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HomeMy WebLinkAbout904795 RECEIVED 11124/2004 at 10:11 Arq~ RECEIVING# 904795 .BOOK: 573 PAGE: 365 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMEP,. E f~, WY [MORTGAGE \Vhen recorded mail to: TEXAS ONESTOP, INC. (,504 1NTERNATIONAL PARKWAY SI]iTE 1200 I'l. ANO, TX 75093 0 ,65 THIS MORTGAGE is made this _lSth clay of /qov~mher , 2004 .-qtr::FA"~'CIT,X]~I ~,I.;[IE IFAIrL~, A .rl~q'~T,"~. WOMAN ~ ~ ~RT i,t)PEZ, A nad ~ M~, ~Co~ ~UST ~, F~ a fa~rffi ~a hank ~r~ nnd~ ~ ~wS Of ~ U~ted 5;totes of Amer~a ~~ ~00 C~~ ~ ~WK ~ ~97~ , between ~he Mortgagor, (herein "Borrower"), WHEREAS, Borrower is lnclebted to Lender in the Principal sum of [ ~ . 5; . $ 125,684.00 , which indebtedness isevidencse_0byBorrower's~lotedatod 32./15/2004 andexlansionsaild rcnewals thereof Crmrein "Note"), providing for monthly installmelllS of principal and interest, with Ihe halanox'' of indebtedness, if not sooner paid, d,,e and payable an 22/~.~/3. o34 ; TO SECURE Io J.tmder lite repayment of the indebmdness evidencct~ hy the Note, with the interest thereon; payment of all other gumu, with interest Iherean, advant~xl in accordal~cc herewith to protect Ihe me,wity of thi,~ Mortgage; and Ihe performance of the Covenants and agr~men~s ol i;~,-rower herein containe~i, Borrower .hereby mortgaL, e, grant and caanvey Io .12.oder, with power of sale, thc I~,l}owing described property lonatoad in Ihe County of Lq'NCOI_&I . Slate of Wyoming: ])ARCEI~ 12-3718-29-3-D9-318. D O which has Ihe aclclrp_.~ Of 155 Wyoming 833228 01erein "PropelIy ALPINE TOGETHER with all the improvement~ now or hereafter erected ,,~ the property, and fill o. aeo_ment~, light.% ~ppllrtenanees and Tent% all of which .~hal] be tleemad Io be and remain a p:a't (d' die property Covered by Ibis Mortgage; and all of Ihe foregoihg, together with said property (or Ihe leasehold c-.,I,ttt' if this Mortgage is nn a leasehold) are /m~eiuafW~ xeferred to as Ibe "Prop~y." Borrowm' Covenante that BOltOWer is lawfi~y sei~.d of the estate hcicl,~ conveyed and ~ ~ Iight to mortgage, grant and convey the Property, and that Ihe Property is anencumbered, c-',, ~'I,t for encumbrances of record. Borrower COvenants that Borrower warrant~ and will defend generally Ihe title Io tls~. Property against all elaime and rlemanri% subject to enm~mhranc~ of I~cord. Wynming 2686~ Or'i gixt~-I Copy (Branch) Copy (Customer) UNIFORM COVENANTS. Borrower and Lender covenant and agree :,.. I'()llow$: 1. Payment of l~'inelpal ~ I~terest. Borrower .uhal[ promt,(., pay when due the principal and interest ~m:leb~ evidene'~.d by the Note and late charges as prov~cled in the Not,. ~,. l~llnds for Taxes and lna~runeo. Subject to applicable law or a x~t iltcn waiver by lender, Borrower ahall pay Io Leader an the day monthly paymentu of principal and interest are payable ~,~dcr tile Note, nnti! the Note is paid in fifll, a attm (herein ~Fnndu~) equal to one-twelf3.h of the yearly rexes and assessmctd~ (including condominium and planne£1 llllit development assessments, if any) which may attain priority over this M o~lS,:~ c m~d ground rent.~ on the Property, ff any, plns one-twelfth of yearly premium installmams for ha?ard insurance, pla:, ,.,~. twelfth of yearly premium installments for mortgage insnranee, if any, all as xeasomably estimate~ initially and li,,m time to time by Lander on the ba.uia of asse.~gment.~ and bills and reasonable estimates fl~.xeof. Borrower shall n(,I t>(, obligated to make such payments of Fnnds lo Lender to the extent that Borrower makes snch payment~ to the hold,..~ (,f a prior mortgage or deed of trust if shah holdeX is an institl~.ionai If Borrower pays Fnndu to .Lemder, the Fnnd.u ghall be held in an instituti~ ,~, d~e deposits or acconntu of which are insured or guarant~d by a Federal or s_ta_te agency (incinding I.P. alder if I coder is sa, h an institution). Lander .abel] apply the Fnnda lo pay uaid taxes, asseuumentu, inslxran~ preminmu and ground rentu. Le~..~ may not charge for so holding and applying the Fund% analyzing said account or verifying and compiling acid asse~, :~nt~ and bills, nnle.us lender pays Borrower interest on the Fnnd~ ~ applicable law permits Lender to make such a ch:,~r ~:. Borrower and I coder may agree in writing at the time of execution of ~ Mortgage that interest on the Fnnd.g ~hall I)~ I~:,id to Borrower, and unless ~ueh agreement is made or applicable law xequires such interest to be paid, Leader ahall n~,~ l,c required to pay Borrower any interesl or ~am~s an the Fnndu. ~ cheil give to Bm-rower, wi_thout charge, an .,mual accounting of the Funda showing credits and debits to the Fnnd.q and the pulpose for which each debit to the Funds ,,~ :ts made. The Fnnd~ are pledged as additional security for the sumq secured by thi~ Mortgage. If the amount of lhe Fnnd~ held by Lea~r, Iogether with the futurc i~{,nlhly installment~ of Fnnd~ payable prior to the doe dates of Iaxes, aa.ues~ment% in.em premiums and gronhd rent: qudl exceed the amount required to pay said loxes, asse.u.qmentg, insurallce preminm~ and ground rents as Ibey fall dt,~- .~uch excess ahall be, at Borrower's option. either promptly Iepaid to Borrower or credited to Borrower on mnnthly im, t ,d lments of Fnndg. If Ibc amount of the Fnnd~ held by Lender .~hall llot be sufficient to pay taxes, asst~.qments, insuram ~. l,rmiums and ground recta as they fall Borrower ~hall pay to lender any amount nea2e.q.qary Io make up the defk ~.ncy in one or more payments as Lea~r may require. Upon payment in flail of all snm.q secured by Ihis Mortgage, Lenclt. :,hall promptly refund to Borrower any Fnnd~ held by Leaxler. If ~mder paragraph 17 hereof Ibe Property is sold or the t',,,i,c n y is otherwise acquired by Iender. Lemder ~hall apply, sm later than immediately prior io the sale of Ibc Property ~. ~t:~ acquisition by Leader, any Fnnda held by Lender at file time of application as a credit again.ut the snm~ secured by tim r~h~rtgage. 3. Application of Paymenls. Unless applicable law provides othc~ ,.,, i~c, all payments received by I2mder reader the Note and paragraph.q 1 and 2 hereof shall be applied by I coder first in p a ym cm o f amounts payable xo Lender by Borrower under paragI'aph 2 hereof, then Io interest payable on lhe Note, and then tt, the. principal of the Note. 4. _Prior M~rtgagen and .Do~_8 of Trust; Charge~; Lien.q. Bom,',,, c r shall perform all of Borrower's obligations lmder any llaortgage, deel:! of trust or other security agreement with a lien v.l,id~ has priority over thi.q Mortgage, including ~Borrower's covenant~ Io make paymellts when tine. Borrower shall pay or ~':~t~,~c to be paid all taxe% as~e~rnevlts and other charges, fines and impositions attributable to Ihe Property which may attar, it priority over this Mortgage, and lealse. Jlold payment.u or gro~md rent% if any. 5. ttazard In.qilranea~. Borrower ghall kt~p lite improvements n.,,, existing or hereafter erected on the Property insured a~ainut loss by fire, ha?orals ~inclndeal within the terra ~extended c,,~ crage", and such other hazards as I endermay xequire and in mmh amonnt.q and for such pea-iods as I ~nder may require. The insurance carrier providing the in~nranl2e .ghall be chosen by Bt~i ~ ~wcr subject to approval by 1 ~nder; provided, that such approval ~hall Ilot be nnreasonahly wilttheld. All insurance 1,,,licics m~d renewals thereof .qhall be in a form acceptable to I coder and .qhall ilaclade a standard mortgage clanue in favol ~,l' and in a form acceptable Io Lender. Lender .uhall have the light to hold the policies and renewals thereof, subject to ih: lcrms of any mortgage, deed of trust or other ~ecnrity agrea~ment with a lien which has priority over this Mortgage. Iu the eve. ilt of lOSS, ~Borrow,~l' ghall give prmnpt notice to the insura~.'c carrier and Lender. Lender may make proof of loss if not made promptiy by Borrower. If ~ Property is abandoned by Borrower, or if Borrower ~ails to l~:~l~tmd to Lender within 30 days f~rom the da_t~e ~lotice is mailed by Lender to Borrower that lhe insurance carrier offers ~,, ~,cltle a claim for insurance benefits, Iender is anthorized Io colle.~t and apply ltle Jn.qurallCe proceeds at Lender's option ~-i thor to restoration or repair of the Property or Io the .~mn~ secured by thi.q Mortgage. 6. Ih'eservation and Maintenance of th'operty; Leaseholds; Comlominiums; Planned Unit Developments. Borrower ghall _keep the Propeal3, in good repair and ~hall xlot c~mmit wa:,lv .r permit impairment or deterioration of the Property and .uhall comply with the provisions of any leone if this Mortga.u,: ~ .n a leasehold. If this Mortgage is on a unit in a conllomininm or a planned unit development, iBorrower .uhall pcrl{,rm all of Borrower's obligations under ihe dec3aratkm or covenants treating or governing the condomininm or planned trait development, Ibe by-laws and xegnlations of Ihe condominium or plannell anit development, and COllstituent documcm ~;. 7. Protoetlon of I~ondor~s ~'urity. If Borrower fail~ to perform tlw covenants and agreement~ COIltain~ in thi.u Mortgage, or if any action or proc~ding is commenced which materiall, :dicers Lender's imerest in Ihe Property, then Iender, at Lender's option, upcm ~notiee Io Borrower, may make sucl~ appearances, disburse ~nch soma, inclnding xeasonable a~orneys' fees, and take .qnch aclion als is ~ea~.~uary to protect l_cndcr's interest. If lender xequired mortgage insurance as a condition of making the loan secured by this Mortgage, Bm'rower shall pay Ibe preminm,q required to maintain such _insurance in effect nntil sucJ1 time as the requirement fo~' ,~uch insurance terminates ii1 accxlrdance with Borrower's and 1 ~nder's Wrillell itgI'l~.m~I or applicable law. Any amnnnt.q rlisbursea:l by lender pm'scant to thig paragraph '7, wit[~ mlerest thereon, at the Note rate, uhall became addltiollal indebtea:tn~s of ~Borrowe.~r sec. n_red by this Mortgage. Unless i~,.-rower and Lender agree to other mrms of payment, snch amonnt~ ahall be payable upon notice fram lender to 1~, ,ll'ov,'er requesting payment thereof. Nothing cnntained in this paragraph 7 ~hall ieqllire Lealder to incur any expense or t,kc any action hereunder. 8. In.u?oetlon. .]2.xlder may make or canoe to be made reasonabl~, c.tries upon and inspections of the Property, provided that _l_exlder ~hall give Borrower notice prior to any such inspecti~,~ !q)ecifying relkqonahle ca.~e iherefor Ielated Io Iender's intereSt in the Property. Wyoming268684 1/98 I~:r~i~'SJ~.]. {lt~,-o:rd~t:l} 12o. py' {13.re.neb) Copy (Cus~;oln.8~} Page2 of 5 0904'? 5 9. Cnna-mn-~ian. ~ pro~ of~y awed or claim for ~a?~ direct or co~q~mial, ~ m~fi~ wi~ ~y mndemnati~ or o~ ~ of ~ ~o~, or ~ ~of, or for ~', ~,,~'%'ance in lieu of ~, ~e ~cby aaai~ ~ *hall ~ paid to 1 ~ndar, anbj~t to ~ ~ of ~y m~gagc ~,,.~.d of trust or o~er ~ ~~t w~ a lien w~ ~ ~ over thi, Mo~. 10. Bo~ow~ Not ~; Fo~ne. By ~ Not a %~';,,, ct. Extension of ~ time for pa~ent or ~~i~ of momi~mi~ of ~e sum~ **~,,r~ by ~ Mong~e gram~-d hy Lender to ~y snc~ssor ~ imer~t of Bo=ower ~hall not op~ to ~ea~e, ~ ~y manner, ~ liahHi~ of ~e ,,,,ginal Bo~ower ~ Bo=ow~r's ~t. ~ *hall ~t b~ r~q~ to mmmence pryings ~ain .~ ~,uch successor or r~e m ~ time for ~ent or o~e ~ ~i~ati~ of~e sum* s~ by ~s ~l,~g:~ge by re.on of~y ~ made by ~hginal B~ower ~ Bo~ower's snece~ors ~ ~est. ~y fo~,, ~,y Lender ~ e~rcising ~y ~t or remedy ~mr, or o~e ~or~ by ~pl~le hw, ahall not be a w~ve~ , ,~ m' preclude ~e exer~ of~y s~ h~t or 11. Saon and A~i~e B0nnfl; Jolt ~ ~v~ ~ffilx: ~ '.-signers. ~e ~venantg ~ ~r~ment~ ~ cnntainoA ehall b~, and ~ ri~ ~e~r cheil inure t0, ~e ~' q,,'ctive successors and ~i~ of~ and B~ower, s~j~t to ~ pro~ of ~aph 16 ~f. ~1 ~venam,, ,tod agreements of Bo~ow~ shall be jo~ and ~v~. ~y Bo~ower ~o ~si~ thi; Mo~e, bat ~es not ~ute ti,u- Note, (a) is co-si~ing this Moag~e ~y to mo~e, ~t and ~nvey ~at Bo~ower's ~emst ~ ~ ~ope~ to Le~,.L ~ under the tern of thi~ Moag~e, (b) ~ not pers~y liable ~ ~e No~ or mr ~ Moag~e, and ¢) ~ ~at I t-rotor ~d ~y o~r Bo=ower ~ennder my ~ to ~. ~. fo~, or make ~y o~r ~amma~ with ~ u:trd to the tern of thi~ Moa~e ~ ~ No~ w~ont that Bo~ow~'s c~t ~ w~out xd~ that Bo~ower or m,,difying this Morgue ~ to that Bo~o~r's interest ~ ~ ~op~. ~. No~. Ex.pt for ~y ~ xeq~ed under ~plicahle hw t,, ~,~' given in ~o~r manner, (a) ~y no~ to B~ow~ pro¢&d for ~ thia Mo~e ehall be giv~ by ~v~g i~ ,,r by mail~g such no~ by ~ifi~ mail addr~ lO Bo~ower ~ ~ Prope~ A~r~s or ~ s~ o~r address m, i~;~rrower may ~si~ate by no~ to I ~nder proved ~r~, ~ ~) ~y ~e to I coder ~hall be giv~ by c~ed m. il It) Lender's add r~s S~ ~r~ or t0 o~r ~s ~ lender ~y ~i~ate by ~ to Bo~ower ~ provi,k.,l herein. Any no~e prov~ for ~ thi~ Morgue ahall be ~ to ~ve b~ ~v~ Io Bo~ower or 1 ender when ~, ~, cn in the manner ~ig~ato~ ~. ~. ~v~ ~w; ~v~ffi~. ~ s~ ~ 1o~ ~ws applic,,hlc to this Morgue ~hall be j~ti~ ~ wh ich ~ ~op~ h located. ~ forego~ s~e shal I , ~,,i 1 i~ni t the appl~ of F~ M~g~e. ~ ~ ev~t that ~y prov~i~ or ~e of ~ Mortgage ,. ibc Note co~cts wi~ app~le conflict ~hall not ~t o~r prov~i~ of this Mo~e or ~ Note xx ~. h c;m be given e~t ~ont ~ conflic~g pro--n, ~ to ~ ~ ~ provhi~ of thi~ Moag~e and ~ Note ,~,c declared to be severable. ~ ~ ~m, "cos~", "~s~ and "~o~ys' f~s~ inelnda~l enm~ I0 ~ emt no~ l,,,dfibited by appl~le hw or limileA ~. 14. BO~OW~'S Copy. B~ower ahall be ~ a ~omd ct q ,) oI' the Note ~ of this Moa~e ~ ~ time of ~nfi~ or ~r r~r~ ~r~f. ~. Rohahili*a0on ~ ~~t. B~ower ahall fiflfill all ~,1 Borrower's obHg~m ~ ~y hame TehaW~, ~provement, Ie~, or o~r 1o~ ~ment which Bo~ox; c~ cmcrs into wi~ ~n~r. I en~r, ~ ~'s optinn, ~y xeq~e B~ow~ to e~m ~ ~iver to l~nder, ~ a fi~'lt~ ;~cccptable to ~, ~ ~si~ment of ~y ~, ~ or ~f~es w~ B~ow~ ~y~ve ~ainet p~s who :,ttl,[,l> labor, mte~ or ~es ~ ~nne~fion w~ improvmente made lo ~ ~op~. 16. ~ of ~ ~ ar a Bonefieial ~t ~ Bo~o~ c~. If all or ~y pm of ~ ~op~ ~ ~y inmr~t ~ it ~ so~ or ~anef~ (~ ff a beneficial inter~t ~ B~o~,.~ ~z sold or tr~f~ ~ Bo~ower ~M p~s~) ~ont I coder's p~or ~ ~. 1 enact ~y, at ns (q,t ~on, require ~ ~ent ~ ~1 0f~ m ~ed by ~ie M~e. Howev~, ~hi~ opfi~ ahall not be e~rc~scd hy Louder if e~me ~ prnhih~ by f~ ~w ~ of~ date of ~ Mo~e. If ~r e~niees Ihia opfi~, ~r ehall We Bo~ower ~e o~ :,,'coloration, The no~ ~hall ~ovi~ a p~d of not ~ss lhan 30 ~ys ~ ~ ~ ~ no~ ~ ~v~ed or mailed w l~h tit which Bo~ower mt pay ~ snm~ by thi~ Moagage. If Bo~ow~ ~s Io pay lheee sum~ phor W ~ exi~r;t~lon of ~is p~iod, lender ~y ~v~ ~y iemedie~ p~mi.eA by ~ M~e ~om ~r no~ or demand on I~ i ~ t~ wcr. NON-U~O~ CO~N~S. B~ow~ and ~r ~ covcmml mid agree ~ f~ows: 17. Ae~l~; ~om~i~. ~x~pt ~ provM~ ~ ~graph :. hereof, u~n Bo~ow~'s brach of ~venant or ~r~ment ofBo~ow~ ~ ~ ~e, ~ ~e co,';-.ams lo pay wh~ fl.o~y s.ma ~ by thle Mo~e, l~nfl~ ~or lo ~e~l~ ~ give nofi~ to Borr.~¥cr as provid~ ~ ~~ ~ ~f s~: 0) the broach; (2) ~ a~ion ~ ~ ~e eneh br~; t.; ~ ~ date, not !~ than 10 ~ys rrm ~enofiee ~ ~ ~ B~ow~, by ~ieh ~ br~aeh mll~ be ~ed: ami {4) that f~l~ ~ ~e s~ broach ~ or b~ore ~ ~ s~ifi~ ~ ~e ~fiea my r~ ~ ae~l~ of tht -,urns secur~ by thle ~e. cheil f~ ~ Bo~ow~ of ~ ~ht ~ reinetato ~ aee~lerali., and the right to b~g a ~m ~ ~ nanaxi~en~ ora ~t or ~y other ~e of Bo~ower t,, acceleration ~ ~. ~ ~ broach ~ not ~ ~ or bdo~ ~e ~ s~ ~ ~ ~fi~, ~ndor ~ I~nflor's ,,o~ ion may d~e~ of~ enme ~nr~ by thla Mo~e ~ be imm~iatoly ~e ~ ~y~le ~o~ f~her dcm:md and may ~v~ ~ ~w~ of~e ~y other r~ ~i~ by applicable ~w. ~ cheil be ~tillcd m collect ~1 r~nahle ~ ine.~ ~ ~ni~ ~ r~mMia pro~ h *hie ~~ 17, ~cludi [~,, but not ~ ~ r~le a~ys' f~. ~ I.~dor ~vak~ ~ ~Wff Of~ ~ndor cheil We ~ofice of' intent to for~ose ~ B~ow~ ~ to the ~on ~ ~a~eian of ~e ~o~ ff ~t, ~ aecor~ ~th iqq~licable law. ~~ ~ nofi~ of ~ ~e ~ Bo~ow~ ~ ~ ~ ~ ~ ~~ 12 h ~.rco f. Lender cheil pDhlleh ~ ~ ~ ~o~ ehall be sa~ ~ ~ ~ ~b~ by applicabh, law. Lend~ or l~n~or'8 ~e the ~o~ ~ ~y ~. ~ ~o~s of ~e ~e ehall 1,: apl~lied in ~e foBo~ or~: (a) r~ mm~e and ~ of ~ ~e, ~, bm ~t limit~ n,. reasonable aHo~ys' f~ ~ e~den~; ~) m ~ s-me e~ by ~~e; ~ (c) ~ ex~, il ..~, ~o the ~an or ~ne ~iy ~har~. Wyoming 2686~ Copy (Customer) Page 3 of 5 15. Borrower's Right to .Rein~te. Notwithstanding Lender's ac~ ~-tcration of the sams secured by this Mortgage due to Borrower's breach, Borrower shall have the light to have any t~t~cccdings begun by Lender to enfarce this Mortgage di.ow~ntinnod at any time prior to the earlier to occur of (i) th~- t~ ich clay before sale of the Property pursuant Io Ihe power of sale contained in this Mortgage or (ii) entry of a jndgemenl c,~l'orcing this Mortgage if: (a) Borrower pays lender all sams which would be then due nnder this Mortgage and the rx~}t~, had no acceleration occurred; (b) Borrower cures all breaches of any other covenants or agr~°rnents of Borrower co;~h~ined in this Mortgage; (c) Borrower pays all reasonable expenses inmm'ed by Lender in enforcing the covenants a~,l agreements of Borrower cnntained in this Mortgage, and in enforcing Lender's r~s as provided in l[~rapal,ll 17 hereof, incinding, but ~ot limited to, teasanable attorneys' fees; and (d) Borrower takes gllgh ne. tlOll as Leaxler m:t~ reasonably require to assure thai ~ liffil of this Mortgage, Lender's inmrest in the Property and Borrower's obligatitm 1~, pay the sams secured by thi.q Mortgage shall continue nnimpaired. Upan sur. h payment and cure by Borrower, this M,~n~,agc and the obligations secured hereby shall Ieallain in fllll :force and effe~ as if no ae_r~=lerati0n had occlarred. 19. Agglgnmoqt of Rents; Appointment of Receiver; l~ondor ill h,',~cssi0n. As additiollal sel211rity hereunder, Borrower hereby assigns Io lender the lents of tim Propelty, provided Ilm~ i~orrower shall, prior to acreAeration under paraom'aph 17 hereof or abandanment of the Properly, have the right to collcci :~l~d retain such rents as they be2nme due and payable. UpOll neo~lerlKiun nnder paragraph 17 hereof or ahandonmerlt Of the P~ ~,l,c ri y, and at any time prior to the expiration of any period of redemption fallowing judicial gale, lender, in person, by :?nc or by judicially appoinled receiver, shall be entitled to enter upon, take possession of and manage the Property and t,, collect the rents of the Property including those past doe. ~ lents collecled by Lellder or the receiver shall be applie0 I~,l to payment of the costs of management of Ihe Propert~ and collection of lents, inc. luding, bllI llOt limited Io, teceix~/~, lees, premiums an receiver's bomls and ~:easonahle allorneys' fees, and then Io the sams secured by this Mortga~, header and the rer. eiver shall be liable to _accotmt only for those rents actually received. .20. Releame. Upanpayment of all sums secured by this Mortgage,'Lendc~ -,hall release this Mortgage without charge to Borrower. Borrower .qhal| pay all costs of recordation, if any. 21. Waiver of ~[nraes~o~d. Borrower hereby waives all right of homestt:a.. I cxcmption in the Property. ~,2. ~[n~-nrdoll~ Silesians. Borrower shall not cause or permit the pre~-~cc, use, disposal, storage, or teJease of any t-la?ardons Sllbstanees on or in the Properly. Borrower shall not do, nor ~ll .... anyone else to do, anylhing affecting ~ Property thai iS in violatiOIl of any F. alvironmental Law. The preceding two .~mcnces shall not apply to the presence, use, or storage an the Property of small qlmlltiti~ of I-Ia?ardollS Substances that ,, c' generally recoLmi~orl to be appropriate to normal iesid~ llses and Iomaintenanee ofth~ Property. ~Barrower shall promptly give lender written notice of any investigam,~, claim, demand, lawsuit or other a~tion by ~lly governmental or Ie~mflatory agealcy or private party involving thc t'n~l)erry and any Ha?ardons Sllbstlmce or ~,Ilvironmental Law of which Borrower hag actual kllOWlel21ge. If_Borrowcl to:n-ns, or is notifiea21 by any governmental or regulatory anthority, thai any removal or other lemerliation of any }ta/aldous Substance affecting ihe Property is ne.~essary, Borrower shall promptly 'take ~ ll~l~ggary Iemextial acti0IlS ill act'~ ,~ danc~ with Environmenlal Law. a&_s ngorl in lhlg 13~li'ilgrn?h .22, #l-la?ardons S'llbgtanr,~s~ lire those substa~.c.s defined as toxic or ha?ardons stthglanoes by -E~nviranmenlal J. aw and ~ following substances: gasoline, kerosene, t,lhcr flammable or Ioxi~ petroleum prodm:ts, Ioxie t>e.s~ and herbicide% volatile solvents, materials c. ontaiuillg asbesl~,, ~,r formaldehyde, and radioactive malerlals. AS nsed in this paragraph 22, ~Fmvironmental Law" means federal laws ano laws of the jurisdiction where the Property iS loeato~l Ihat iela~ Io ~, ~iaft~ty or erlvironme_altal protecfinn. (Intentionally Left Blanl: ~ Wyoming 26868-4 1/98 Copy (]~ra~.h) Copy(Custnm-~) Page 4 of 5 .Borrower and l~der lequest the bnlder Many mortgage, d~d of trt~,:l m- other eneumhrnnr'e with a lien which has priority over thi.~ Mortgage to give Notice to Lender, at Iender'$ address -,,:l forlh on page one ofthi~ Mortgage, with a copy Io P. O. Box 17170, Raltimnre, MD 21203, of any default under tiw ,tq)crior encumbrance and of any sale or other foreclosure a~fion. IN WITNIq. RS WHEREOF, Borrower ha.~ ~er.,.m ..~_.g~age.  tLLUE ' ~/hOt~ ..... ~Borrower -E'ITr 5'--EVERT LO]'l.. - .............-Borrower STATE OF WYOMING, County ss: Theforegninginsmm~twasaclmowledgedbeforemelhis 1St ,lav of NOvember, 2004 by Sharolyn Blue Iraylor and LuSs Evert Lopez Laersaa acknowl=t~ia~] WITNESS my hand and Official seth { County of ~ Siam of ~[ Notary Pub~/ ~ IJncoln ~ Wyoming Th~-cfi41t'i~s~h-a/~u~r~"~o~-e-~} 7d~e~3f-I~t (as Ihe case may be) from _ IO dated and xec. orde. d in book of __ on page ha~ been fiflly ~ti~fied by flae payment of ~ debt sexxtrexl thereby and is hci cl~y canceled and discharged. .BY: FOR: The andersiLmeA nolary public wimessed Ihe execminn of lhi ~ ~e o ~ 1 ~ ~,ch arge by for day of on this Wyoming 26868-4 1/98 N~.ary Pnhlic Ori~i~-~ {l~ecor~led) ~opy (Br~nch) Copy (Cust~) (S~ ~W ~ l.ine ~ For~er :m,l k cc.rdeo Page 5 of 5 LOI~ L~VER~ LOPEZ SMAROLYN BLIIE ~AYLOR ~X~IBIT "A" UnitA ofLost .~.lk Townhouse Addition ~o Ibc Town of Alpim-. Lincoln County, According*Ia Ihat plat r~corded August 14, 2002 as Pla/No. ! 9 i -C.