Loading...
HomeMy WebLinkAbout9048480562 After Recording Return To: GMAC Mortgag~ Corp. 100 Witmer Road Horsham, PA 19044-0963 ATTN: Records Manageme~ RECEIVED 1 1/29/2004 at 3:46 PM RECEIVING # 904848 BOOK: 573 PAGE: 562 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY [Space Above This Line For Recordin~ Data] I.,,a,IN,I. 574111100 M[N 1000375-0574111100-2 MORTGAGE DEFINITIONS Words used in multiple sections of this document are defined below ,'md other 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 November 2004 , together with all Riders to this document (B) "Borrower" is Lori A. Isenhart, an unmarried person 22, Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Registration Syswms, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and tcnder's successors and assigns. MERS is the mortgagee under this Security Instrument. M ERS is organized and existing under the laws of Delaware, and has an address and telephtmc number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. %~Ol~G - Single Family - Fannlc Mae/Freddie Mac UNIFORM INSTRUMENT Form 30S1 Il01 (Page I of 18) 274398494 Initials: GMACM - CMS.0042.WY (0001) 346 (D) "Lender" is GMAC Mortgage Corporation Lenderisa Corporation lawsof Pennsylvania 100 Witmer Road, P.O. Box 963, Horsham, PA organized and existing under the · Lender's address is 19044 (E) "Note" means the promissory note signed by Borrmvcr and dated November 2 0 O4 The Note states that Borrower owes Lender One Hundred Thirty Six Thousand and 00/100 22, Dollars (U.S. $136,000.00 ) plus interest, llorrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full n{}t later than December 1, 2034 0e) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "LOan" means the debt evidenced by the Note, phis interest, any prepayment charges and late charges due under the Note, and all sums due raider this Security Instrument, plus interest. (It) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check bt~x as applicable]: ~ Adjustable Rate Rider [--] Condominium Rider ~ Second Home Rider ~ Balloon Rider [---] Biweekly Payment Rider [~] 1-4 Family Rider [--'] Other(s) [specify] [-~ Planned Unit Devclopmc,lt Rider (I) "Applicable Law" means all controlling applicahtc federal, state and 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 dues, fees, assessments and other charges that are imposed on Borrower or tine Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transl'cr {ff funds, other than a transaction originated by check, draft, or similar paper instrument, whid~ is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape st, as to order, instruct, or authorize a financial institution to debit or credit an account. Such ~crm includes, but is not limited to, point-of-sale transfers, automated teller machine transacti~,ns, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described ill Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid bY anY third party (other than insurance plocccds paid under the coverages described in Section 5) for: (i) damage to, or destruction of', thc Property; (ii) condemnation or other taking of all or any part of the Property; (iii) convey:moo in lieu of condenmation; or (iv) misrepresentations of, or ormssions as to, the value and/or condition of the Property. ~qYO]¥[ING - single Fanfily - Fannie Ma~/Freddie Mae UNIFORM INSTRUMENT Fo,'m 3o51 1 '01 ,~ff~ GMACM - CMS.0042.WY (0001) ~Page 2 of IS) l,filials: "Mortgage Insurance" means insurance protecting l.cndcr a~ainst the nonpayment of, or default on, the Loan. (O) "Periodic Payment" means the regularly scheduled mnount due for (i) principal and interest under the Note, plus (ii) any amounts under Sectio, 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Proccdm'cs Act (12 U.S.C. §2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard t~ ,~ "federally related mortgage loan" even if the Loan does not qualify as a "federally related mt.'lgagc 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 .bligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the rep:t)mcnt of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the perfi.'mance of Borrower's covenants and agreements under this Security Instrument and the Note. Ft~r this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as m.ninee for Lender and Lender's successors and assigns) and to the successors and assigns or MERS, with power of sale, the following described property located in the County [Type of Recording Jurisdicli.n] : of Lincoln [Name of Recording Jurisdict i,ml SEE SCHEDULE "A" ATTACHED HERETO AND b'~DE A PART HEREOF. which currently has the address of 641 Mountain Drive, /Street] Alpine , Wyoming 8 312 8 ("Property Address"): [City] /Zip ¢',,del TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hcrc',d'~cr a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Pm perry." Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell thc Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. '~VYO1VllNG-singleramily-FannieMae/FreddieMaeUNIrORMiNSTRUMENT F,.-,,,3,,51 I,',,1/f]'~! GMACM - CMS.0042.WY (0001) (Page 3 of 18) hdlials: 0 04848 L0565 BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convc.~ tlic Property and that the Property is unencumbered, except for encumbrances of record, ll~r,'ower warrants and will defend generally the title to the Property against all claims and dcm:rods, subject to any encumbrances of record, THIS SECURITY INSTRUMENT combines unit'cmn covenants for national use and non-uniform covenants with limited variations by jurisdictio~ to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Ih,ms, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, ,nd interest on, the debt evidenced by the Note and any prepayment charges and late charges duc. under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. P, tymcnts due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this $cc,rity Instrument is returned to Lender unpaid, Lender may require that any or all subsequent l,aymcnts due under the Note and this Security Instrument be made in one or more of the follox~ lng forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by l.cnder in accordance with the notice provisions in Section 15. Lender may return any paymcl, or partial payment if the payment or partial payments are insufficient to bring the Loan currcm, l.cnder may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial p:~ymcnts in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Born~xx o' nmkes payment to bring the Loan current. If Borrower does not do so within a reasonablc period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note irmncdi,~cly prior to foreclosure. No offset or claim which Borrower might have now or in the futu,'c against Lender shall relieve Borrower from making payments due under the Note and this Sccm'ity Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall bc applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then .~ reduce the principal balance of the Note. LOAN NO: 574111100 WYOMING - Single Family - Fannie Mae/Freddie Mae UNIFORM INSTRUMENT lc ....... tt151 1/01 ( ~/'A% GMACM- CMS.0042.VOI (0001) (Page 4 of 18) initial~,:/t V~,,k.~/''klt I Xk 0904S4S If Lender receives a payment from Borrower I'.~' ;~ delinquent Periodic Payment which includes a sufficient amount to pay any late 6harge duc, thc payment, may be applied to the delinquent payment and the late charge. If more than .,lc Periodic Payment is outstanding, Lender may apply any payment received from Borrower It) the repayment of the Periodic Payments if, and to the extent that, each payment can bc 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 applied to any late charges due. \'t~hmtary prepayments shall be applied first to any prepayment charges and then as described in thc Note, Any application of payments, insurance proc'cuds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpom, thc duc date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid i~l full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or enct. nh~':Jncc on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage ln.,,urancc prenfiums, if any, or any sums payable by Borrower to Lender in lieu of the payment t~l' Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loa,L l_cnder may require that Community Association Dues, Fees and Assessments, if any, be esc~-t~wcd by Borrower, and such dues, fees, and assessments shall be an Escrow Item. Borrower shall l.'omptly furnish to Lender all notices of amounts to be paid under this Section. Borrower sh:tll pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay ~hc Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lentl,q' l:tmds for any or all Escrow Items at any time. Any such waiver may only be in writing. In thc event of such waiver, Borrower shall pay directly, when and where payable, the amounts duc for any Escrow Items for which payment of Fnnds has been waived by Lender and, il' kcndcr requires, shall furnish to Lender receipts evidencing such payment within such time pet'i.tl as Lender may require. Borrower's obligation to make such payments and to provide receipts ,~hall for all purposes be deemed to be a covenant and agreement contained in this Security ln~trtlmcnt, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amoulu duc lbr an Escrow Item, Lender may exercise its rights under Section 9 and pay such amoul, and Borrower shall then be obligated Under Section 9 to repay to Lender any such amount. [.ctldcr may revoke the waiver as to any or all Escrow Items at any time by a notice given in acc.~'d:mcc with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds ia an amount (a) sufficient to permit Lender to apply the Funds at the time specified undcl' I~ESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. l.cndcr shall estimate the amount of Funds due on the basis of current data and reasonable estim;ttcs of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. LOAN NO: 574111100 r ~ ... WYO~{~ - Singl~ Family - Fannlc Ma~/Freddie Mat: UNIFORM INSTRUMENT lq. m .~t)51 l/Ol GMACM - CMS.0042.WY (0001) (Page 5 of 18) luilials: . _ 0 04848 0567 The Funds shall be held in an institution wh~c deposits are insured by a federal agency, instrumentality, or entity (including Lehder, if Icndcr is an institution whose deposits are so insured) or in any Federal Home Loan Bank. 'kcndcr shall apply the Funds to pay the Escrow Items no later than the time specified under REgPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing d~c escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on dtc Ftmds and Applicable Law permits Lender to make such a charge. Unless an agreement i~ m..ldt: in writing or Applicable Law requires interest to be paid on the Funds, Lender shall m~t bc required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give t~l B~irrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, a~ defined under RESPA, Lender shall account to Borrower for the excess funds in accordance wilh RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender ~hall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amounl ,cccssary to make up the shortage in accordance with RESPA, but in no more than 12 momhlx payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly p:L~ mcnts. Upon payment in full of all sums secured by tl~is Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all rexes, assessments, charges, fines, and impositions attributable to the Property which can attain pr~m'~ty 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 extent that these ,cms are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien x~hich has priority over this Security Instrument unless Borrower: (a) agrees in writing to the pa3 ment of the obligation secured by the lien in a manner acceptable to Lender, but only so hmg as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory m Lender subordinating the lien to this Security Instrument. If Lender determines that any pan of tl~e Property is subject to a lien which can attain priority over this Security Instrumem. l~cnder may give Borrower a notice identifying the lien. Within 10 days of the date on which d~al notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth ',d~m,c in this Section 4. Lender may require Borrower to pay a oneotimc ch',~rgc lbr a real estate tax verification and/or reporting service used by Lender in connection wid Ihis l.oan. 5. Property Insurance. Borrower shall keep Ibc improvements now existing or hereafter erected on the Property insured against loss by fire. hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts /-,~^ ~ WYOMING - single Family, - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Ym'm GMACM- CM$.0042.WY (0001) (Page 6 of I8) Inilials: 0 04S4S 0568 (including deductible levels) and for the periods that Lentlcr requires. What Lender requires pursuant to the preceding sentences can change'during tl~c term of the Loan. The insurance carrier providing the insurance shall be chosen by Bt)rrowcr subject to Lender's right to disapprove Borrower's choice, which right shall not bc exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or ~1~) ;t one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determin'atioll or certification. Borrower shall also be responsible for the payment of any fees imposed by thc Federal Emergency 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 coveragc.~ described above, Lender 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 Thcrclbre, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liabilit5 and nfight provide greater or lesser coverage than was previously in effect. Borrower acknowlctlges that the cost of the insurance coverage so obtained might significantly exceed the cost ol insurance that Borrower could have obtained. Any amounts disbursed by Lender under this $cctitm 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, wilh such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right ~o disapprove such policies, shall include :l slandard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss pa3 cc. Lender shall have the right to hold the policies and renewal certificates. If Lender requil'cs, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices If Borrower obtains any form of insurance coverage, not otherwise required by Lender, fi,~ damage to, or destruction of, the Property, such policy 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 promp~ m~tice to the insurance carrier and Lender. Lender may make proof of loss if not made promptl5 by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restorat~ou or repair of the Property, if the restoration or repair is economically feasible and Lender's Nccm'ity is not lessened. During such repair and restoration period, Lender shall have the righl to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall lie uudertaken promptly. Lender may disburse proceeds for the repairs and restoration in ,~ single payment or in a series of progress payments as the work is completed. Unless a,~ agrcclnem is made in writing or Applicable Law requires interest to be paid on such instmmcc proceeds, Lender shall not be required to pay Borrower any interest or earnings on such in'occeds. Fees for public adjusters, LOAN NO: 574111100 ~,'VYO]~XNG - Singl~ Family - Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 31~51 t/01 fl l GMACM - CMS.0042.WY (0001) (Page 7 of 18) h tilials: 0904S4S :.. 0569 or other third parties, retained by Borrower shall not bc 13~titt oul of the insurance proceeds and shall be the sole obligation of Borrower. If the iestoratiox~ ~r repatr is not economically feasible or Lender's security would be lessened, the insurance l)rocccds shall be applied to the sums secured by this Security Instrument, whether or not then thio, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in thc .rclcr provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does n~l respond within 30 days to a notice from Lender that the insurance carrier has offered to settle :~ claim, then Lender may negotiate and settle the claim. The 30-day period will begin when d~c ~tt~tice is given. In either event, or if Lender acquires the Property under Section 22 or i~thcrwise, Borrower hereby assigns to Lender Ia) Borrower's rights to any insurance proceeds in :t~ amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) :~y other of Borrower's rights (other than the right to any refund of unearned premiums p:dtl by Borrower) under all insurance policies covering the Property, insofar as such rights ~rc applicable to the coverage of the Property. Lender may use the insurance proceeds either I,, repair or restore the Property or to pay amounts unpaid under the Note or this Security Instl'tm~c~t, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, ~t~cl use the Property as Borrower's principal residence within 60 days after the execution tff this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances ~'xist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Properly, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower i~ residing in the Property, Borrower shall maintain the Property in order to prevent the Property l~,'om deteriorating or decreasing in value due to its condition. Unless it is determined lmr,~uiint to Section 5 that repair or restoration is not economically feasible, Borrower shall pr{~xaq,tly repair the Property if damaged to avoid further deterioration or damage. If insurance t,r ct~ndclnnation proceeds are paid in connection with damage to, or the taking of, the Properly, Fltlrrower shall be responsible for repairing or restoring the Property only if Lender has rclc~tscd proceeds for such purposes. Lender may disburse proceeds for the repairs and restorati(,n in a single payment or in a series of progress payments as the work is completed. If the insur:~t~cc tit' condemnation proceeds are not sufficient to repair or restore the Property, Borrower is n{~t relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries t~l)~m trod inspections of 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 l~ri~r to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shzdl be itl default if, during the Loan application process, Borrower or any persons or entities ,'~c~i~g at the direction of Borrower or with Borrower's knowledge or consent gave materially I'~dse, misleading, or inaccurate information or statements to Lender (or failed to provide l.cntler with material information) in WYOMING - Single Family - [;mmic Mac/Freddie Mac UNIFORM INSTRUMENT Ft,rm 31)51 1,01 ~/~ GMACM - CMS.0042.WY (0001) (Page 8 of 18) hdlials: 0904S4S ;.0570 connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Propcrt) and Rights Under this Security Instrument. If (a) Borrower fails to perform the coven:mis and agreements contained in this Security Instrument, (b) there is a legal proceeding th:it might significantly affect Lender's interest in the Property and/or rights under this Security ln~t,'ument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for cnlk~l'ccment of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) ;q)pcaring 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 proceeding. Securing the Property includes, but is not limited to, entering the Property to nmkc repairs, change locks, replace or board 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 h~ do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Sectitm 9 shall become additional debt of Borrower secured by this Security Instrument. These amotmls shall bear interest at the Note rate from the date of disbursement and shall be payable, with st~cl! interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Nh~l'tgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance covc,-agc required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward thc premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost subst;mtially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, l'rom an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage h~stn'ance coverage is not available, Borrower shall continue to pay to Lender the amount of thc separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that thc Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mm-tgage Insurance coverage (in the LOAN NO: 574111100 WYOMING - single Family - Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Fo,'m 3051 1/01 GMACM - CMS.0042.WY (0001) (Page 9 of J8) hdli:ds: 0 904S4S i ,.' 057 . amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separatcl3 designated .payments toward the premiums for Mortgage Insurance. If Lender required M~n'lgagc Insurance as a condition of making the Loan and Borrower was required to make separmcly designated payments toward the premiums for Mortgage Insurance, Borrower shall pay thc prcnfiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until the Lender's requirement for Mortgage Insurance ends in accordance wid~ any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrm~cr's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any cntity that purchases the Note) for certain losses it may incur if Borrower does not repay thc l.o:m as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that sh:u'c or modify their risk, or reduce losses. These agreements are on terms and conditions that arc satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of thc fin~cgoing, may receive (directly or indirectly) amounts that derive from (or might be charactcri/cd as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing m' modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to thc insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the anunmts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the I.ilan. Such agreements will not increase the amount Borrower will owe for Mortgage Insu,'ance, and they will not entitle Borrower to any refund. Co) Any such agreements will not affect the righls lh)rrower has - if any - with respect to the Mortgage Insurance under the Homeownc,-s l'rotection Act of 1998 or any other law. These rights may include the right to receive curtain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have thc N hlrtgage Insurance terminated automatically, and/or to receive a refund of any Mortgaxe Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfcilurc. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. YVYOI~[I~G - Single Famil) - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3115 GMACM - CMS.0042.WY (0001) (Page 10 of I8) hlili:lls: ,.;.0572 If the Property is damaged, such Miscellaneous P,'occcds shall be applied to restoration or repair of the Property, if the restoration or' repair is cct~nomically, feasible and Lender's security is not 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 that such inspection shall be undertaken promptly. Lender may pay Iku' the repairs and restoration in a single disbursement or in a series of progress payments a~ thc work is completed. Unless an agreement is made in writing or Applicable Law rctlUirCs interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay l/or,'ower any interest or earnings on such Miscellaneous Proceeds. If the restoration or rq~;tir is not economically feasible or Lender's security would be lessened, the Miscellaneous Prec,'cods shall be applied to the sums secured by this Security Instrument, whether or not then disc, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in ibc order provided for in Section 2. In the event of a total taking, destruction, or l~ss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Btu'rower. In the event of a partial taking, destruction, or lo~s in value of the Property in which the fair market value of the Property immediately before ~hc partial taking, destruction, or loss in value is equal to or greater than the amount of the sum~ secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security lnstrmnent shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the lk~ll,~wing fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately bclbrc thc 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 Property in which the fair market value of the Property immediately before ~hc partial taking, destruction, or loss in value is less than the amount of the sums secured immcdiatdy before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured %. this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or il', after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) {filers to make an award to settle a claim for damages, Borrower fails to respond to Lender within ~0 days after the date the notice is given, Lender is authorized to collect and apply thc Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. LOAN NO: 574111100 V~OIV[ING - Single Famil~ - Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Fm-m 3o51 1'Ol GMACM - CMS.0042.WY (0001) (Page 11 of 18) Ini6als: (:t 0573 Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result i'n' forfeitm'c of the Property or other material impairment of Lender's interest in the Property or ri.~hts under this Security Instrument. Borrower can cure such a default and, if acceleration has .ccurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other nmlcrial mlpairment of Lender's interest in the Property or rights under this Security Instrument. Thc proceeds of any award or claim for damages that are attributable to the impairment of Lender's nlm'cst in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Ix'ruler Not a Waiver. Extension of the time for payment or modification of amortization ol' thc sums secured by this Security Instrument granted by Lender to Borrower or any Succcss,~r m Interest of Borrower shall not operate to release the liability of Borrower or any Success,l'S in Interest of Borrower. Lender shall not be required to commence proceedings against any Nucccssor in Interest of Borrower or to refuse to extend time for payment or otherwise modify ,m~}rtization of the sums secured by this Security Instrument by reason of any demand made hy the original Borrower or any Successors in Interest of Borrower. Any forbearance h3 l.cmler in exercising any right or remedy including, without limitation, Lender's acceptance uf payments from third persons, entities or Successors in Interest of Borrower or in amounts lc, us than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligad.ns and liability shall be joint and several. However, any Borrower who co-signs this Securitx' Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extcntl, modify, forbear or make any accommodations with regard to the terms of this Securil3 Instrumm]t or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrtm~cnt in writing, and is approved by Lender, shall obtain all of Borrower's rights and bencl'ils raider this Security Instrument. Borrower shall not be released from Borrower's obligati,ms and liability under this Security Instrument unless Lender agrees to such release in writing. Thc covenants and agreements of this Security Instrument shall bind (except as provided in 5cc~i~m 20) and benefit the successors and assigns of Lender. l~f~OM~ - Single Family - Fannie Mac/Fr~ldi¢ Mac UNIFORM INSTRUMENT Form 31~51 GMACM - CMS.0042.W'Y (0001) (Page 12 of 18) Initials: 0:304S4S 0574 14. Loan Charges. Lender may charge Borrt)xvcr tees for services performed in connection with Borrower's default, for the purpose ol' protecting Lender's interest in the Property and rights under this Security Instrument, includi~lg, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to :u~y other tees, the absence of express authority in this Security Instrument to charge a specific fcc to Borrower shall not be construed as a prohibition on the charging of such fee. Lender n,~y not charge fees that are expressly prohibited by this Security Instrument or by Applicable If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collccled or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted li~it; and (b) any sums already collected from Borrower which exceeded permitted limits will I,c rci'unded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, thc reduction will be treated as a partial prepayment without any prepayment charge (whether or n,,t a prepayment charge is provided for under the Note). Borrower's acceptance of any sucl~ refund made by direct payment to Borrower will constitute a waiver of any right of action Borr,~wcr might have arising out of such overcharge. 15. Notices. All Notices given by Borrowc~' or Lender in connection with this Security Instrument must be in writing. Any notice to B,,rrt,wcr in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address il' sent hy other means. Notice to any one Borrower shall constitute notice to all Borrowers unlc,~ Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procc,lurc lbr reporting 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 given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lcn&'r has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by l.cmlcr. If any notice required by this Security Instrument is also required under Applicable Lax~, the Applicable Law requirement will satisfy the corresponding requirement under this Securit3 h~strument. 16. Governing Law; Severability; Rules of Coas~ructiou. This Security Instrument shall be governed by federal law and the law of the jurisdictiol~ in which the Property is located. All rights and obligations contained in this Security Instt'tm~cnt are subject to any requirements and limitations of Applicable Law. Applicable Law tnight explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a LOAN NO: 574111100 WYOMING - single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT l-'m GMACM - CMS.004~.WY (0001) (Page lS oi15) hfilials: ,, 0575 prohibition against agreement by contract. In the event th;~t :,~y provision or clause of this Security Instrument or the Note conflicts with Applicable l_aw, such conflict shall not affect other provisions of this Security Instrument or the Note which can bc given effect without the conflicting provision. As used in this Security Instrument: (a) words of thc n~asculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) thc wt~rd "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given o~c copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transfc~'rcd in a bond for deed, contract for deed, installment sales contract or escrow agreement, thc it~tcnt 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 thc Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender n~:t3 require immediate payment in full of all sums secured by this Security Instrument. 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 B(n'r~wcr notice of acceleration. The notice shall provide a period of not less than 30 days from thc date the notice is given in accordance with Section 15 within which Borrower must pa3: ',~ll sums secured by this Security Instrument. If Borrower fails to pay these sums prior to thc cxpi~'ation of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Aeeeleralion. If Borrower meets certain conditions, Borrower shall have the right to have enforccn~cn~ of this Security Instrument discontinued at any time prior to the earliest of: (a) five tl;~).~ before sale of the Property' pursuant to any power of sale contained in this Security [n~lrulncnt: (b) such other period as Applicable Law might specify for the termination of Borrowcr'~ right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditi~s arc that Borrower: (a) pays Lender all sums which then would be due under this Security I~xstrument and the Note as if no acceleration had occurred; (b) cures any default of any other ~t~vcnants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument. i~lcluding, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rigl~ts under this Security Instrument; and (d) takes such action as Lender may reasonably require to ;t~t~'c that Lender's interest in the Property and rights under this Security Instrument, and Borr~wcr's obligation to pay the sums secured by this Security Instrument, shall continue unchanecd, kender may require that Borrower pay such reinstatement sums and expenses in one t~r m,~'c of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, b:mk check, treasurer's check or cashier's check, provided any such check is drawn upon :~n institution whose deposits are insured by a federal agency, instrumentality or entity; or (ti) Electronic Funds Transfer. GMACM - CMS.0042.WY (0001) (Page 14 of 18) Initial,,: 0,576 Upon reinstatement by Borrower, this Security Instrument and tfl~ligations secured hereby shall remain fully effective as if no acceleration had occutr~d. However, this 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. The Note or a partial interest in the Note (together with this Security Instrtm~cnt) can be sold one or more times without prior notice to Borrower. A sale might resul~ i~ ,, change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligatitms under the Note, this Security Instrument, and Applicable Law. There also might be one or m,~rc changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of thc l.oan Servicer, Borrower will be given written notice of the change which will state the nantc and address of the new Loan Servicer, the address to which payments should be made am any other information RESPA requires in connection with a notice of transfer of servicing. If iht: Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of thc Note, the mortgage loan servicing obligations to Borrower will remain with the Loan 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, o~' bc joined to any judicial action (as either an individual litigant or the member of a class) th:il muses from the other party's actions pursuant to this Security Instrument or that alleges that thc other party has breached any provision of, or any duty owed by reason of, this Security I,~ll'umcnt, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If ..\l~l)licable Law provides a time period which must elapse before certain action can be taken, that timo period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 2 t: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volmilc solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Enxironmental Law" means federal laws and laws of the jurisdiction where the Property is located Ihat relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental t. aw: and (d) an "Environmental Condition" means a condition that can cause, contribt,tc to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous St~bslances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an I:'nvironmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that LOAN NO: 574111100 ~t/¥OMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 31)51 GMACM - CMS.0042.WY (0001) (Page 15 of 18) lnilial~: 0577 adversely affects the value of the Property. The preceding txv. sentences shall not apply to the presence, use, or storage on the Property of small quantitic.~ ~1' I lazardous .Substances that are generally recognized to be appropriate to normal residenti:d uses and to maintenance of the Property (including, but not limited to, hazardous substances n consumer products). Borrower shall promptly give Lender written noucc .1' (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Envir, mmcn t al Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any I hizardous Substance, and (c) any condition caused by the presence, use or release of a Ha~:,'dtlUS Substance which adversely affects the value of the Property. If Borrower learns, or is m~iil'icd by any governmental or regulatory authority, or any private party, that any remm'~d or other remediation of any Hazardous Substance affecting the Property is necessary, B.rrower shall promptly take all necessary remedial actions in accordance with Environmental l~aw. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lcmlcr further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall givc mitice to Borrower prior to acceleration following Borrower's breach of any covenam ~,' agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) ihe action required to cure the default; (c) a date, not less than 30 days from the date thc no~icc is given to Borrower, by which the default must be cured; and (d) that failure to cut-c 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 furthcl' inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-existence of a default or any other defense of Borrower tl~ 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 b)' tiffs Security Instrument without further demand and may invoke the power of sale and ml~ other remedies permitted by Applicable Law. Lender shall be entitled to collect all eXllCnSCs incurred in pursuing the remedies provided in this Section 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 of intent to foreclose to Borrower and to the person in possession of the Property, it' different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice ol' sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender i~,' its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in thc following order: (a) to all expenses of the sale, including, but not limited to, rea.~olmlfle attorneys' fees; (b} to all sums secured by this Security Instrument; and (c) an)' excess to the person or persons legally entitled to it. WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 GMACM - CMS.0042.WY (0001) (Page 16 of 18) lnilial~: 0,578 23. Release. Upon payment of all sums secured b3 thi,~ Security Instrument, Lender shall release this Security Instrument. Borrower shall pay am recordation cOStS. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. ]~rl A. Isenl~a~ -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower LOAN NO: 574111100 Witnesses: ~VYOMINC~ - single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 GMACM - CMS.0042.WY (0001) (Page 17 of 18) O579 INDIVIDUAL ACKNOWL E1)G 5 lENT STATE OF WYOMING, ) SS The foregoing instrument was acknowledged befi.'c mc this November 22, 2004 by l.ori A. Isenhart:, an unmarr±ed person (person acknowledging) YVYOIVIING - $iagle Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Forn, _~o51 t 0l GMACM - CMS.0042.WY (0001) (Page 18 of 18) Initial,;: 0~04S4S ~. ~- 0580 Schedule A Wyoming Mortgage Given By: Lori A. Isenhart Page 1 Lot 5 of Grand View Enterprises Incorporated St~bdivision, Tract 1, Lincoln County, Wyoming as described on th~ official plat filed June 6, 1973, as Instrument No. 447722 of the records of the Lincoln County Clerk.