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HomeMy WebLinkAbout90468931245 (04) After Recording Return To: FIRST NATIONAL BANK-WEST PO BOX 3110, 100 GREYS RIVER ROAD ALPINE, WYOMING 83128 RECEIVED 11/18/2004 at 4:16 PM RECEIVING # 904689 BOOK: 573 PAGE: 52-62 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY ',, 0552 [Space Above This Line For Rec.r(ling Data] Loan Number 78558143 MERS Number 100015700043856505 MORTGAGE DEFINITIONS Words used in multiple sections of this document are defined below and ~ldlcr words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated NOVI,;MBER 12, 2004, together with all Riders to this document. (B) "Borrower" is HENDRIK H. DRENTH and LISA A FRIST-DRENTII, IIUSBAND AND WIFE, AS TENANTS BY THEIR ENTIRETIES. Borrower is the mortgagor under this Security Instrwncnt. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mm'igagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address :md telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (D) "Lender" is FIRST NATIONAL BANK-WEST. Lender is a CORI'( )RATION organized and existing under the laws of WYOMING. Lender's address is PO BOX 3110, 100 GREYS RIVER R( )A l), ALPINE, WYOMING 83128. 0g) "Note" means the promissory note signed bY Borrower and dated N()VEMBER 12, 2004. The Note states that Borrower owes Lender FOUR HUNDRED SIXTY-FOUR THOUSAND AND 00/100ths Dollars (U.S.$464,000.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and h~ pay the debt in full not later than DECEMBER 1, 2034. (F) "Property" means the property that is described below under the head it~g "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prcl~:[ymcnt charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: [] Adjustable Rate Rider [] Condominium Rider [] Second Home Rider [] Balloon Rider [] Planned Unit Development Rider [] Other [Specify] [] 1-4 Family Rider [] Biweekly Payment Rider WYOMING--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 (page 1 of ll pages) 0 (: 5 3 (I) "Applicable Law" means all controlling applicable federal, state :tml local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all titles, lees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than :~ transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, teleph~mic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or. credit an ~cc'~,unt. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers it~i~iz~tcct by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, aw,rd of damages, or proceeds paid byany third party (other than insurance proceeds paid under the coverages described in Sc.ctitm 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taki.ng of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Prtq)crty. (N) "Mortgage Insurance" means insurance protecting Lender against the mml~aymcnt of, or default on, the Loan. (O) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.('. § 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time t~ time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security InslrUlncnt, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" cvcn if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrumcm. TRANSFER OF RIGHTS IN THE,PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, ami all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (soMy ils nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS. with power or salt,, the following described property located in the County of LINCOLN : [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] A PARCEL OF LAND IN TIlE SEll4 OF SECTION 15, T36N, Rll9W, 6TIi l'.M., LINCOLN COUNTY, WYOMING, MORE PARTICULARLY DESCRIBED AS FOI,I.()WS: COMMENCING AT TIt~E SECTION CORNER COMMON TO TIlE SE{71'IONS 14, 15, 22, 23; TtlENCE N89 DEGREES 57'53" W, 1704.14 FEET TO TIlE TRUE POINT OF BEGINNING: TllENCE N00 DEGREES 08'18.5"E, 1278.91 FEET; THENCE N87 DEEGREES 17'40.3" W, 578.55 FEET; THENCE S02 DEGREES 21'43.4"W, 1314.94 FEET; THENCE S89 DEGREES 57'53"E, 629.02 FEET MORE OR LESS TO TIlE TRUE POINT OF BEGINNING. which currently has the address of ETNA , Wyoming 176 DELL CREEK 83118 [City] [Zip Code] WYOMING--Single Family'Fannie Mae/Freddie Mac UNIFORM INSTRUMENT [Strccl] ("Prt)l~crty Address"): Borrower lnitials ¢3~.~. ~3 Form 3051 1/01 (page 2 of ll pages) TOGETHER WITH all the improvements now or hereafter erected on thc lm~pcrty, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additi,,~ shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Pr.l,crly." Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security htstmment, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and ;~4gns) has the right: to exerciseanyorall of those interests, including, but not limited to. the right to foreclose and sell thc l'ropcrty; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrumcm. BORROWER COVENANTS that Borrower is lawfully seised of the c~i',,c hcrcby conveyed and has the right to mortgage. grant and convey the Property and that the Property is unencumbered, cwcpt for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and dem:,~ds, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for nalional use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument coveri.~,, real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree a~ l'ollows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Secti,,n 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other i~irmnent received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may rctltfirc that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the followi.g, titans, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, i,,,v idcd any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; o~ (,1) Electronic Funds Transfer. Payments are deemed received by Lender when received at the locati~m designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in $~,~'~ i.n 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Lo,..~ cra'rent. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rigl,~ hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated i,. :~pply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled duc &,c, fl~en Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds Until Borrower makes pay.~cnt lo bring the Loan current. If Borrower does not do so within a reasonable period of time. Lender shall either apply s~.'l~ fi,nds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance ,~,lcr the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against l.c~.lcr shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the c.vcn'.mts and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise dc.~,cribcd in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) inl~,~ c~l duc under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be appli~.d to each Periodic Payment in the order inwhich it became due. Any remaining amounts shall be applied first to late charges, ~cc.ad to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic' Paymcut which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent pa3 .~cnt and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from B,, ~t,wcr to the repayment of the Periodic Payments if. and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be apl~lic, d t. any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in thc Any application of payments, insurance proceeds, or Miscellaneo,~ l"r,~cceds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Paymcms. 3. Funds for Escrow Items. Borrower shall pay to Lender on the da3 I't.~ it~dic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amoums duc for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or enc.~dmmcc on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all i,~,r',mcc required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to [ cmlcr in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These item~ ;,c called "Escrow Items." At origination or at any time during the term of the Loan. Lender may require that Community A~,~,ciation Dues, Fees. and Assessments, if any, be Borrower Initials WYOMING--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRLrlMI,~NT Form 3051 1/01 (page 3 ofll pages) escrowed by Borrower, and such dues, fees and assessments shall bc :m Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escr~m' hems. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver ~nay only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amotmls duc I'or any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furniq~ t~ I~cnder receipts evidencing such payment within such time period as Lender may require. Borrower's obligatipn to m;~l;c such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in thi~ Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow ltt. t~ts directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rightx under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such am~,unt. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Sectitm 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Sccli(m 3. Lender may, at any time, collect and hold Funds in an amount (a) sut fi,:icnt to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lcmlt:r can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonahlc ~'stimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are inxttrcd l)y a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insm t'd) t}r in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified trader RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow accotmt, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender tt~ m:~kc such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lcn~lc'r shall not be required to pay Borrower any interest or .earnings on the Funds. Borrower and Lender can agree in writing, hoxvcvcr, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds ;~., required by RESPA. If there is a surplus of Funds held in escrow, as defined under RI!.q'A, I.cnder shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the ai~, m,~t necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is '.~ deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrc, wcr shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 mommy payments. Upon payment in full of all sums secured by this Security Instrumenl, I cndcr shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, chm'gc.s, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the cxlcm that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over Ilti~ Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner ;~cccptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, ut defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcemt.ttl ,~ f the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the h,~ldcr of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determinc~ Ihztt any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrox~t'~ ;~ notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien t~t' t.,~kc one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real ~'qmc lax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements n,,w existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," :md any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This M>.m';mcc shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lt'ndcr requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing thc insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be cxt.~ ciscd unreasonably. Lender may require Borrower Borrower Initials ~F~OMING--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUiXlI.'. NT Form 3051 1/01 (page 4 of 11 pages) to pay, in connection with this Loan, either: (a) a one-time charge f~,r I]~od zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and ccrlification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such dclcrmilmtion or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergent3 Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described abow, l.cndcr may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might ~ot protc~'I Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might prt~vidc greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage ~o obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed b3 l~cndcr under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounls ~hal[ bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from kc~xdcr to Borrower requesting payment. All insurance policies required by Lender and renewals of such policic~ ~hall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. Il' Lc,~der requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower ~bl:lins any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such p~,licy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insuramv carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise ~grcc in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied tt~ t c'~loratiola or repair of the Property. if the restoration or repair is economically feasible and Lender's security is not lessened, l)uring such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an Olq,,~rmnity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspectio~l :dlall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series t~f p~Ogl'CSS payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to bc paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees I',,r public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall bc thc st)lc obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, II~e insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with ll~c excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and set,lc any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that lhc insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin x~ hen thc notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby as~i2, n~ to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under thc N,,tc or this Security Instrument, and (b)any other of Borrower's rights (other than the right to any refund of unearned presidiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid tmtlcr the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Prol~cr~y as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy Iht th'operty as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrcc~ in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inq)ections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on d~c Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent thc 1'~ ~,pcrty from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair ~l' restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deteriorati,m ,,r damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, B,)rr,~wcr shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Icnder may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as thc w~rk is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is n,,I rd icvcd of Borrower's obligation for the c~mpletion of such repair or restoration. Borrower Initials WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMI,iNT Form 3051 ~O'~(page 5 6fll pages) Lender or its agent may make reasonable entries upon and inspecti~t~ ~l' the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default it', dtlring the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borr~,wcr'~ knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information)in connection with the Loan. Material representations include, but are ~t limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security In.~t~'t~cnt, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights trader this Security Instrument (such.as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement t,l' a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has ab~l~dot~cd the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in fi~c l'ropcrty and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securi~,, a~d/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lic~ which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy l~'~,cccding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or bt~',~rd up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not t~dcr any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under thi~ Section 9. Any amounts disbursed by Lender under this Section 9 shall bect~c additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from thc &,tie of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall c~,~ll~ly with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not m~.~ gc unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance :~s a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. Il', for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that p~'cviously provided such insurance and Borrower was required to make separately desigi~ated payments toward the premitm~ I'~i' Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to thc ~l,,rtgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage h~,~t~cc previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance ct)vcrage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that wcrc due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refu~d,t)lc loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that thc l.,,:t~ is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. I c~dcr can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lel~dC~' requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately dcsig~atcd payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition ol' ~:~ki~g the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage It~l.'at~ce, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable l~,~s reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrt,wcr a~d Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 1(), fleets Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purcha~c's thc Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage h~surance. Mortgage insurers evaluate their total risk on all such insurance ix~ l',,tcc froill time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses, l'hc.sc agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties)l~, these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the ~t,,~ tgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). Borrower Initials WYOMING--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUM I(NT Form 3051 1/01 (page 6 ofll pages) .. 0358 As a result of these agreements, Lender, any purchaser of the Note, :m,,t her insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) am,,tmlS that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange f,,r sh:iring or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender rules a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borro~vt.t' has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Any such agreementS will not affect the rights Borrower ha~ - il' any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Instn'ance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insuram'c premiums that were unearned'at the time of such cancellation or termination. 11. Assignment of MiscellaneOus Proceeds; Forfeiture. All Misccll:mcous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall bc :tl~l~li~cl to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is n~,l lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided fi~at such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable l,aw requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest ~,l~ earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security w, mld bc lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or m,~ th~n clue, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in gcc~ i~m 2. In the event of a total taking, destruction, or loss in value of the Pr,,l~crty, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, witl~ flxc ~×~ess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Iq,,pcrty in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal I~ tu- greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destrucii,m, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums sectired by this Security Instrument ~hall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of thc sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value o~' ~hc Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Ih,,pcrty in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is lc~,~ than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and l.cnd~r otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whdhcr or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lentk~ m Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damagc~, B~rrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apl~ly fl~c Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, x~ hcth~r or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party ag:d~t whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether c i vii ~r criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment ul' l~cnd~r's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleratio~t ha~ t~ccurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Len, k'r's judgment, precludes forfeiture of the. Property or other material impairment of Lender's interest in the Property or right~ tmd~r this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lc~lcr's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are provided for in Section 2. not applied to restoration ~,~ tel)air WYOMING'-Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT of the Property shall be applied in the order Borrower Initials Form 3051 1/01 (page 7 of l l pages) 12. Borrower Not Released; Forbearance By Lender Not a W:fiver, Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted I,y l.ender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any ~.cccssors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest ,,l' B~rrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security h~t~t~nlcnt by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance I~y I.cndcr in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third pers~, c'~tities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or'preclude Iht c×crcise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and A~ir~ns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. Howew% ~,~y Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Sect. ity h~strument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Inst~',~nt; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any ~,~l~cr Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrut~c.t .r the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest .l'lh~rroxv~r who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall .bt'ain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's ~,bli~ations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agrcc~c~ls of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services pc~ l',,rn~cd in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under thi,~ Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to :,~y olhcr lees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not bc c~nstrued as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security It ~t rt.nent or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, ,,ttld th:tt law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the I.~:~ ~'xcccd the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge t~ thc l~crmitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to l~rrt~wcr. Lender may choose tO make this refund by reducing the principal owed under the Note or by making a direct p',~5~cnt to Borrower. Ifa refund reduces principal, the reduction will be treated as a partial prepayment without any prepa3.~cnt charge (whether or not a prepaymentcharge is provided for under the Note). Borrower's acceptance of any such reful~d .~dc by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection xx'ith this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deer,cd to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address il' ~c~I by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requirc~ ~thcrwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by n~icc t~ Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for rCl~rting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be gixc:~ by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another add rc~ by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to I.c~dcr until actually received by Lender. If any notice required by this Security Instrument is also required under Applicabl~, l.aw, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This $c'cttrity Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights :t~zd .bligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicaldc I.aw n~ight explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be co~r;truc'd as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument ~r thc Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the N~tc which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gcndc, r shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean ,,,~d ii,elude the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Nt~c :,~d ol~ this Security Instrument.. ~'~ . ,--. Borrower Initials .T wYOmiNG--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRIIMENT Form 3051 1/01 (page 11 pages) 18. Transfer of the Property or a Beneficial Interest in Borro~vcr...\s used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but ~, ~ limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow a~ ~ccmcnt, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is s,,ld ~' u'ansferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) withou~ l.cmler's prior written consent, L~nder may require immediate payment in full of all sums secured by this Secu~'ity Ins~cnl. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable law. .. If Lender exercises this option, Lender shall give Borrower notice ~I' :~ccClcl'a[ion. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance xvi~l~ Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these ~m~s prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further ~licc or demand on Borrower. 1~. Borrower's Right to Reinstate After Acceleration. If Bor~cr mee~s certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any ti~c prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security In~l~ ~mcn[; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry ~1 :~ iudgmcnt enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would I~e due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other c~,~.~:u~ts or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, ~cluding, but not limited to, reas~,md~lc altorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's imcrcst in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require I~ ',~urc that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the su~ns secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sm~; ',md expenses in one or more of the following forms, as selected by I.~nder: (a) cash; (b) money order; (c) certified check, ba~l~ check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insu~.d by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this $c~'uri~y Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, lhis right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. '1 hc Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior nolicc to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Paymc~l~ due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Nccurity Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale ~f Iht Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state thc n:~mc and address of the new Loan Servicer, the address to which payments should be made and any other information RESI'.-\ requires in connection with a noticeoftransferof servicing. If the Note is sold and thereafter the Loan is serviced by a I ~.an Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with linc l.oan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant t~, this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this .%Cul'ity Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with thc rcquirclnents of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of sm:h notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be takc~, Ihat time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity l~, ~'uvc given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall [,t: deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Haz:tl'dtms Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law ami lilt: following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" m~::~ns federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protect i,,~l: (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental l~aw; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Enviromm.~:d Cleanup. Borrower Initials WYOMING--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUME NT Form 3051 1/01 (page 9 of 11 pages) Borrower shall not cause or permit the presence, use, disposal, storapc, ,~l' release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrox~cr shall not do, nor allow anyone elsetodo, anything affecting the Property (a) that is in violation of any Environmental Laxt, (h) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, clc.:ttcs a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, risc, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate t,)normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in Cohsumcr p~tMtlcts). Borrower shall promptly give Lender written notice of (a) any invc, stig.,ttion, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Properly and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Contli ti~ m, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) :my condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the l'r,,l)Cl-ty. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any rc~,,val or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take. all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender l',u' an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covc. mu~t and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower.,' prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior ~o acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (h) the action required to cure the default; (e) a date, not less than 30 days from the date the notice is given to Borrox~t,r, by ~vhich the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall furlhcr inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-exislt'nce of n default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require 'immediate payment in full of all sums secured by this $cctt,'ily Instrument without further demand and may invoke the power of sale and any other remedies permitted by Alq~lical)le Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this :Sectio,~ 22, including, but not limited to, reasonable attorneys' fees and Costs of title evidence. If Lender invokes the power of sale, Lender shall give notice or i,ltt, nt to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Apl)licahle l,nw. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish Iht notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee ma)' purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenst5 ~r the sale, including, but not limited to, reasonable attorneys' fees; (b} to all sums secured by this Security Instrument; :md (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security lnsl~umcnt, Lender shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a t'~'c for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of thc fcc is perlnitted under Applicable Law. 24. Waivers. Borrower releases and waives all rights under and by vit luc of tile homestead exemption laws of Wyoming. WYOMING--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUM E NT Borrower Initials .~ ..~....~. Form 3051 1/01 (page 10 of ll pages) BY SIGNING BELOW, Borrower accepts and agrees to the terms a~,l ..... 'nants contained in this Securit s5 ~ t and in any Rider executed by Borrower and recorded with it. -HENI ~R I K ! 1. DRENTH -Borrower \ FRIST-DRENTH (Seal) -Borrower (Seal) (Seal) -Borrower -Bol-fowef [Space Below This Line For Acknm~ Im gmtmt] State of WYOMING ) SS County of LINCOLN ) The foregoing instrument was acknowledged before me by H]gNq)RIK il. DRENTH and LISA A FRIST-DRENTH, HUSBAND AND WIFE, AS TENANTS BY THEIR ENTIRETIES this 12'1'11 day of NOVEMBER, 2004. Witness my hand and official seal. Notary Pt)blip" ~ PENNY <fONES My Commission Expires: 09/18/07 (Print or type name) COUNTY OF {q,~v~ STATE OF II LINCOLN ~ WYOMINQ II WYOMING--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTR'U~!t..', I Form 3051 1/01 (page I1 ofll pages)