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HomeMy WebLinkAbout906374c/7 After recording please return to: GI~C Bank, Attn: Records Nanagemen~:/lst Floor [Company Name] [Name of Natural Person] 100 Witmer Road [Street Address] Horsham, PA 19044 [City, State Zip Code] RECEIVED 2/9/2005 at 4:09 PM RECEIVING # 906374 BOOK: 578 PAGE: 589 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY [Space Above This Line For Recording Data] DEFINITIONS MORTGAGE MIN 100037506011131886 Words used in multiple sections of this docUment are defined below and off, er words are defined in Sections 3, 11, 13, 18, 20 ,'md 21. Certah~ roles regarding the usage of words used in riffs document are also provided in Section 16. (A) "Security Instrument" means riffs document, which is dated together with ~1 Riders to fids document. February 4, 2005 (B) "Borrower" is BLAKE MORONI ANGRr,T, and CINDY FAY g2xlGFrr,T,, husband and wife · Borrower is the mortgagor under tiffs Security Instnnnent. (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 mortgagee under this Security Instrument. MERS is orgm~ized and existing trader the laws of Delaware, and has an address and telephone nmnber of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (D) "Lender" is GlqAC Bank Lenderisa Pennsylvania PA 19044-0936 Loan No: 601113188 corporation Lender's address is organized and existing under the laws of 100 Wilxner Road, Horsham, Wyomh~g Mortgage-Single Family-Famfie Mae/Freddie Mac UNIFORM INSTRUMENT --TILE COMPLIANCE SOURCE, INC.-- Page 1 of 14 MERS Modilied Form 3051 01/01 - '- 14301wY 08/00 iv.. -~ ' ' ©2000, The Compliance Source, Inc. o oas'z4 L... 0 5 0 (E) "Note" means the promissory note sigued by Borrower and dated February 4, 2005 The Note states that Borrower owes Lender one hundred f±ve thou.~and .qLx hundred and NO/100ths Dollars (U.S. $ 105,600.00 ) plus interest. Borrower Ires pronfised to pay this debt in regular Periodic Payments ,and to pay the debt in full not later than March 1, 2020 (F) "Property" means the properb, that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all stuns due under this Security Instnnnent, plus interest. (H) "Riders" means all Riders to tiffs Securi.ty hlstnnnent that are executed by Borrower. The following Riders are to be executed by Borrower [cl~ocl< toox os 8pplicoblo]: [] Adjustable Rate Rider [] Condominium Rider [] Second Home Rider [] Balloon Rider [] Plam~ed Unit Development Rider [] Biweekly Payment Rider [] 1-4 Fmnily Rider [] Revocable Trust Rider [] Oilier(s) [spocity] (I) "Applicable Law" means all controlling applicable federal, state ,'md local statutes, regulations, ordinances m~d adnfinistrative niles 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 the Property by a condominitun association, homeowners association or siufilar orgmfization. (K) "Electronic Funds Transfer" means ,'tn3, transfer of funds, other tim a trm~saction originated by check, draft, or similar paper insmm~ent, which is initiated through an electronic terminal, telephonic instrument, computer, or maguetic tape so as to order, instruct, or authorize a financial institution to debit or credit m~ account. Such term includes, but is uot limited to, point-of-sale trmmfers, autonlated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clear/nghouse transfers. (L) "Escrow Items" lneans those items that are described in Section 3. (M) "Miscellaneous Proceeds" means m~y compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) nfisrepresentations of, or omissions as to, the value and/or condition of the Property.. (N) "Mortgage Insm'ance' means insurance protectiug Lender against the nonpayment of, or default on, the Loan. (O) "Periodic Payment" lneans tile regularly scheduled amoum due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 oftlfis Securi .ty Instrument. Loan No: 601113188 Wyomh~g Mortgage-Single Family-Famfie Mae/Freddie Mac UNIFORM INSTRUMENT --THE COMPLIANCE SOURCE, INC.-- Page 2 of 14 MERS Moditied Form 3051 01/01 ----.'- .~--~-' ~4~o~w~' os/oo ©2000, ~e Comp~ce Somce, Inc. 090t;3q 4 (P) "RESPA" means the Real Estate Settlement Procedures 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 resthctions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" m~der RESPA. (Q) "Successor in Interest of Borrower" means any part), that has taken title to the Property, whether or not that party has assumed Borrower's obligations m~der file Note and/or fl~is Security Instrmnent. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrmnent secures to Lender: (i) file repayment of the Loan, ,'md all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants m~d agree~nents under tiffs Security Instrument and the Note. For this pttrpose, Borrower does hereby mortgage, grant mad convey to MERS (solely as nominee for Lender and Lender's successors and ass]gms) and to file successors and assigns of MERS, with power of sale, the following described property located in the County of LINCOLN : [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] LOT 3 OF EMIGRANT MEADOWS SUBDMSION, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT NO. 225-B Fll.m OCTOBER 8, 2003 AS INSTRUMENT NO. 894227 OF THE RECORDS OF THE LINCOLN COUNTY CI.ERK. which currently has the address of 75 NAGON RUT Lg3IE [street] AUBURN , Wyonfing 8 3111 [City] ['Zip Code] ("Property Address"): TOGETHER WITH all tile improvements now or hereafter erected on the property, and all easements, appurtenances, ,"md fixtures now or hereafter a part of the property. All replacements and additions slmll also be covered by this Security Insmunent. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower tmderstands and agrees that MERS holds only legal rifle to the interests granted by Borrower in tiffs Security Instrmnent, 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, fl~e right to foreclose and sell the Property; and to take any action required of Lender including, but not linfited to, releasing and canceling this Security Instrmnent. BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant m~d convey the Property and flvat the Property is unencumbered, except for encuxnbrances of record. Borrower warrants and will defend generally the title to file Property against all claims and demands, subject to any encumbrances of record. Loan No: 601113188 XVyonth~g Mo~gage-Single Family-Famfie Mae/Freddie Mac UNIFORM INSTRUMENT --TI~ CO/v[PLIANCE SOURCE, INC.-- 3 of 14 . MERS Mod]lied Form 3051 01/01 14301%VY 08/00 ©2000, The Compliance Source, inc. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction 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 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 mtd late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument slmll be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instnunent is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instnunent be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or caslfier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, insmunentality, 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 nmy be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial paylnents are insufficient to bring the Loan current. Lender may accept m~y 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 payments 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 mmpplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so witlfin a reasonable 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 outstmtding principal balance under the Note immediately prior to foreclosure. No offset or claim wlfich Borrower might lmve now or in the future against Lender shall relieve Borrower from nmking payments due under the Note and this Security Instrument or perforating the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as olhem,ise described in tiffs Section 2, all payments accepted and applied by Lender shall be 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 Milch it became due. Any remaining amounts shall be applied first to late charges, second to any other mnounts due under this Security Instrmnent, and then to reduce the prhtcipal balm~ce of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent fl~at, each payment cm~ 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 applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment clmrges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the atnount, 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 in full, a stun (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over fltis Security Insmm~ent as a lien or encumbr,'mce on the Property; Co) leasehold payments or ground rents on the Property, if any; (c) premimns for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance pre,reruns, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance prenfiunts 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 Loan, Lender may require that Conununity Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, Loan No: 601113188 ~Vyon~h~g Mortgage-Single Family-Famfie Mae/Freddie Mac UNIFORM INSTRUMENT --TI~ COM]?LIANCE SOLrRCE, INC.-- Page 4 of 14 MERS Modified Fomn 3051 01/01 ~430~x~' 08/o0 ©2000, The Compl/ance Source; Inc. ':,-O593 and such dues, fees and assessments shall be ,m~ Escrow Iteln. Borrower shall promptly furnish to Lender ,all notices of mnounts to be paid under tiffs Section. Borrower shall pay Lender the Ftmds for Escrow Items unless Lender waives Borrower's obligation to pa)' the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In fl~e event of such waiver, Borrower shall pa), directly, when and where payable, the mnounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnisli to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contah~ed in this Security Instrument, as fl~e pltrase "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 fl~e amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such mnount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance 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 in an mnount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximmn amount a lender can require under RESPA. Lender shall estimate the mnount of Funds due on fl~e basis of current data and reasonable estimates of expenditures of future Escrow Items or othem,ise in accordance with Applicable Law. The Ftmds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bmzk. Lender shall apply the Funds to pay the Escrow Items no later fltm~ the time specified under RESPA. Lender shall not charge Borrower for holding ,'md applying the Fm~ds, ammally analyzing file escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on file Funds. Borrower and Lender can agree in writing, however, flint interest shall be paid on the Funds. Lender shall give to Borrower, without clmrge, an ,'umnal accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender sh'all account to Borrower for the excess funds in accordance with RESPA. If fllere is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower slmll pay to Lender fl~e amount necessary to make up fl~e shortage in accordance wifl~ RESPA, but in no more than 12 montlfly payments, ff fllere 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 montlfly payments. Upon payment in full of all sums secured by this Security Instrmnent, Lender shall promptly refund to Borrower any Fm~ds held by Lender. 4. Charges; Liens. Borrower slmll pay all taxes, assessments, charges, fmcs, and impositions attributable to fl~e Property which c,'m 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 extent tliat these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower slmll promptly discharge any lien which has priority over tiffs Security Instrnment unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests file lien in good faith by, or defends against enforcement of the lien h~, legal proceedings which h~ 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 agreelnent satisfactory to Lender subordinating the lien to this Security Instrument. If Lender deterlnines that any pm't of the Property is subject to a lien which can attain priority over tlfis Security Instrmnent, Lender may give Borrower a notice identifying the lien. Witltin 10 days of the date on which Loan No: 601113188 " Wyonfing Mo~gage-Single Family-Famfie Mae/Freddie Mac UNIFOR~I INSTRUMENT --TffE COM]PLIANCE SOURCE, INC.-- Page 5 of 14 MERS Modilied Form 3051 01/01 ;~ ~'~.;. ~ 14301~VY 08/00 · ' 02000, The Compliance Source, lnc, that notice is given, Borrower shall satisfy, the lien or take one or more of the actions set forfl~ above in this Section 4. Lender nmy require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with tiffs Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other lmzards including, but not limited to, earthquakes and floods, for which Lender requires insurance. Tiffs insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. Wlmt Lender requires pursuant to the preceding sentences can ch,'mge during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasmmbly. Lender may require Borrower to pay, in connection with tiffs Loan, either: (a) a one-tilne charge for flood zone deternffnation, certification and tracking services; or 0a)a 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 determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in com~ection wifl~ the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain m~y of the coverages 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. Therefore, 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 liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might sigmficantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under tiffs Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amom~ts shall bear interest at the Note rate from the date of disbursement and shall be payable, with 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 to disapprove such policies, shall include a standard mortgage clanse,,and shall nmne Lender as mortgagee and/or as an additional loss payee. Lender shall lmve the rigN to hold the policies m~d renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid prenfimns and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for danmge to, or destruction of, the Property, such policy shall include a standard mortgage clanse 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 insurance carrier m~d Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the m~derlying insurance was required by Lender, shall be applied to restoration or repair of the Properly, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall lmve the right to hold such insurm~ce proceeds until Lender lms 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 disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other tiff rd parties, retained by Borrower slmll not be paid out of the insurm~ce proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not econonffcally feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instnnnent, whether or not then due, with the 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 settle an), available insurance claim and related matters. If Borrower does not respond witlffn 30 days to a notice from Lender that the insurance cartier lms Loan No: 601113188 Wyonfing Mortgage-Single Family-Famfie Mae/Freddie iX{ac UNIFORM INSTRUMENT --TffE COMi~LIANCE SOURCE, INC.-- Page 6 of 14 MERS Modified Form 3051 01/01 14301WY 08100 ~2000, The Compliance Source, inc offered to settle a claim, then Lender ma), negotiate and settle the claim. The 30-day period will begin when rite notice is given. In either event, or if Lender acquires tile Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an mnount not to exceed the mnounts unpaid under file Note or fltis Security Instrtmtent, and (b) any other of Borrower,s fights (other than the right to any refund of unearned prenfimns 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 mtpaid under the Note or this Security Instrument, whether or not dieu due. 6. Occupancy. Borrower slmll occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Secufity Instrument and shall continue to occupy tile Property as Borrower's principal residence for at least one year after rite date of occupancy, unless Lender otherwise agrees in writing, wltich consent shall not be unreasonably witltheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destro),, damage or impair fl~e Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Properly, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property. if damaged to avoid further detefioration or dantage. If insurance or condenmation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring rite Property only if Lender has released proceeds for snch purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and 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 prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with nmterial infornmtion) in counection with the Loan. Material representations include, but are not limited to, representations concenfing 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 tlds Security Instrument, (b) there is a legal proceeding tlmt might signfificantly affect Lender's interest in the Property and/or rights under tlfis Security Instrument (such as a proceeding in bmhVd-uptcy, probate, for condenmation or forfeiture, for enforcement of a lien which may attain priority over tlfis 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 Propem., and rights under tiffs Security Instrmnent, 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 at), sums secured by a lien wlfich has priority over this Security Instrmnent; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under tlfis Security Instrumem, including its secured position in a bmflffuptcy proceeding. Securing rite Property includes, but is not linfited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, elimiuate building or other code violations or d,'mgerous 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 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. Loan No: 601113188 Wyomh~g Mortgage-Single Family-Famde Mae/Freddie Mac UNIFORM INSTRUMENT --TI-rE CO/v[PLLa24CE SOURCE, INC.-- Page 7 of 14 MERS Modilied Fomn 3051 01/01 14301WY 08/00 ©2000, The Compliance Source, inc. Any amounts disbursed by Lender m~der this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amotmts slmll bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If tiffs Security Instnunent is on a leasehold, Borrower shall comply with all fl~e provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge tmless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower slmll pa), the prenffums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage 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 file prentimns for Mortgage Insurance, Borrower shall pay the premitm~s required to obtain coverage substm~tially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurm~ce previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the mnount of the separately desig~mted payments ttmt were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refimdable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender slmll not be required to pay Borrower an), interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in tile an~ount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, mad Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward file premimns for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such tennination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to tile Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurmace in force from thne to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and file other party (or parties) to these agreements. These agreements may require file mortgage insurer to make payments using any source of funds flint the mortgage insurer may have available (wlfich ~nay include funds obtained from Mortgage Insurance premituns). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, m~y other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts tlmt derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying file mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender rakes a share of the insurer's risk in excl~ge for a share of the prenffums paid to the insurer, file arrangement is often tenned "captive reinsurance." Further: (a) An), such agreements will not affect the amounts that Borrower 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 Bon'ower has - if an), - with respect to the Mortgage Insm'ance 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 Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. Loan No: 601113188 Wyomh~g Mo~gage-Single Family-Famde Mae/Freddie Mac UNIFOR31 INSTRUMENT --Tm~ COMPLI.kNCE SOURCE, INC.-- Page 8 of 14 MERS Modified Form 3051 01/01 14301WY 08/00 ©2000, The Compliance Somce, Inc. 0597 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to mrd shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds sMll be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such rep,fir 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 tire work has been completed to Lender's satisfaction, provided that such inspection slmll 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 Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or e,'mfings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrmnent, whether or not then due, with file excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In tire event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrmnent, whether or not then due, widl the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair nmrket value of tile Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amom~t of the stuns secured by this Security Instrmnent inunediately before file partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instnmrent shall be reduced by the mnount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total anlount 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 before the partial taking, destruction, or loss in value. Auy balance slmll be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which tire fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured inunediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to tile sums secured by tltis Security Insmmrent whether or not d~e stuns are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that fl~e Opposing Party (as defined in file next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender witlfin 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the stuns secured by tlfis Security Instrmnent, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the p,-my against whom Borrower has a hght of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impaimlent of Lender's interest in the Property. or rights under this Security Instrmnent. Borrower can cure such a default and, if acceleration has occurred, 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 material impairment of Lender's interest in the Property. or rights under fltis Security Instnunent. The proceeds of any award or claim for dmnages that are attributable to the impairment of Lender's interest 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 Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrmnent granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Loan No: 601113188 -' Wyonfing Mortgage-Single Fmnily-Famfie Mae/Freddie Mac UNIFORM INSTRUMENT --TIt~ COM~LL~q'CE SOURCE, INC.-- Page 9 of 14 MERS Modified Form 3051 01/01 ~ 4~o~v,",' 08/o0 ©2000, The Comphance Somce, inc. Borrower or to refuse to extend time for pay~nent or othenvise modif3, amortization of tile sums secured by tlfis Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any fight or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less 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 obligations and liabili .ty shall be joint and several. However, auy Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-sighting tlfis Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of tlfis Security Instrument; Co) is not personally obligated to pa3' the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of tiffs Security Instrument or file 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 tiffs Security Instnnnent in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under tlfis Security Instnnnent. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrmnent 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 performed in counection with Borrower's default, for the purpose of protecting Lender's interest in tile Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that tile interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted linfits, then: (a) any such loan charge shall be reduced by the mnount necessary to reduce the charge to the pernfitted linfit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing tile principal owed under file Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under file Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower nfight have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in cmmection with tiffs Security Instrument ~nust be in writing. An), notice to Borrower in cmmection wifl~ tiffs Security Instnnnent shall be deemed to have been given to Borrower when nmiled by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless 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 procedure for reporting Borrower's change of address, fllen 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 nmiling it by first class mall to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in counection with tlfis Security Instnm~ent shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrmnent is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under tiffs Security Instrument. 16. Governing Law; Severability; Rules of Construction. Tlfis Security Instrument shall be governed by federal law ,'md the law of the jurisdiction in which file Property is located. All rights and obligations contained Loan No: 601113188 Wyomhig Mortgage-Single Family-Fmufie Mae/Freddie Mac UNIFOR34 INSTRUMENT --TILE COMPLI.qNCE SOURCE, INC.-- Page 10 of 14 MERS Modilied Form 3051 01/01 14301%vY 08/o0 ©2000, The Compliance Source, Inc. ogo a" - 05-39 in this Security Instrml]ent are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it nfight be silent, but such silence shall not be construed as a prohibition against agreement by contract. In tile event that an3, provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such co~fflict shall not affect other provisions of this Security Instrument or tile Note which can be given effect without file conflicting provision. As used in this Security Instrument: (a)words of the masculine gender shall mean m~d 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) the word "may" gives sole discretion without any obligation to take m~y action. 17. Borrower's Copy. Borrower sh,xll be given one copy of the Note and of this Security Instrument. 18. Transfer of the Prol)erty or a Beneficial Interest in Borrower. As used in tlfis Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, 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 sold or transferred (or if Borrower is not a natural person m~d a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require illul~ediate payment in full of all stuns secured by tlfis Security Instrument. However, tiffs option shall not be exercised by Lender if such exercise is prolfibited by Applicable Law. If Lender exercises tlfis option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date tile notice is given in accordance with Section 15 within wlfich Borrower must pa), all stuns secured by tiffs Security Instrument. If Borrower fails to pay these sums prior to tile expiration of this period, Lender may invoke any remedies permitted by tltis Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have tile right to have enforcement of this Security Instnunent discontinued at any time prior to tile earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in tiffs Security Instrmnent; (b) such other period as Applicable Law might specify for tile ternfination of Borrower's right to reinstate; or (c) entry of a judgmem enforcing tiffs Security Instrument. Those conditions ,are that Borrower: (a) pays Lender all sums which then would be due under this Security Instnunent m~d the Note as if no acceleration had occurred; Co) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instnunent, including, but not linfited to, reasonable attorueys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in tile Property and rights under tiffs Security Instrmnent; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under tiffs Security Instnunent, and Borrower's obligation to pay the sums secured by this Security Instrmnent, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following 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. Upon reinstatement by Borrower, this Security Instnnnent and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, tiffs right to reinstate shall not apply in tile case of acceleration trader Section 18. 20. Sale of Note; Change of Loan Sen,icer; Notice of Grievance. The Note or a partial interest in the Note (together with tiffs Security Instnm~ent) cm~ be sold one or more times without prior notice to Borrower. A sale might result in a change in tile entity (known as tile "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrmnent and performs other mortgage loan servicing obligations under the Note, tiffs Security Instrmnent, mid Applicable Law. There also might be one or more changes of the Loan Servicer mzrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state tile name aa~d address of the new Loan Servicer, tile address to which payments should be made and any other infornmtion RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter tile Loan is serviced by a Loan Servicer other titan tile purchaser of the Note, tile mortgage loan servicing Loan No: 601113188 Wyomh~g Mortgage-Single Family-Famfie Mae/Freddie Mac UNIFOR3/I INSTRUMENT --TIRE COM~PLIANCE SOURCE, INC.-- Page l I of 14 MERS Modined Form 3051 01/01 - ,~,.'.:'~.~. · 14301W~ 08~00 02000, The Compliance Source, Inc. 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, 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 to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, 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 parry hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, tlmt time 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 opportmfity to take corrective action provisions of this Section 20. 21. H;tzardous Substances. As used in tiffs Section 21: (a) "Hazardous Substances" are those substances defined as to.dc or hazardous substances, polhitants, or wastes by Enviromnental Law and the following substances: gasoline, kerosene, other flanunable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials contai~fing asbestos or formaldehyde, and radioactive materials; (b) "Enviromnental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c)"Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Enviromnental Condition" means a condition that can cause, contribute 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 tltreaten to release any' Hazardous Substances, 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 Environmental Condition, or (c) wkich, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantifies of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not linfited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any govermnentai or regulatory, agency or private party involving the Property and any Hazardous Snbstance or Enviromnental Law of which Borrower has actual la~owledge, (b) any Environmental Condition, including but not linfited to, any spilling, leaking, discharge, release or fl~reat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any govermnental or regulatory authority, or any private party, that any removal 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 for cai Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of an), covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Apl)licable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice ma), result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further 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 to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its Loan No: 601113188 Wyomh~g Mortgage-Single Family-Famfie Mae/Freddie Mac UNIFOI~! INSTRUMENT COMPLIANCE SOURCE, INC.-- Page 12 of 14 ...~ ~-- MERS Modified Form 3051 01/01 14301wY o81oo ©2000, The Compliance Source, Inc. O601 option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses 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, if 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 of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' tees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Insmnnent, but mdy if the fee is paid to a tlfird party for services rendered m~d the charging of the fee is pernfitted m~der Applicable Law. 24. Waivers. Borrower releases m~d waives all rights m~der and by virtue of the homestead exemption laws of Wyoming. BY SIGNING BELOW, Borrower accepts and agrees to the tenns and covenants contained in tlfis Security Instrument m~d in any Rider executed by Borrower m~d recorded with it. Witnesses: Printed Name: '~l/~'~ ff~,~,,v'.F [Ploaso Completo] Printed Name: (1t'~-4~ ~ [Please Complete] BI2%KE MORONI ANGErl, -Borrower (Seal) -Borrower (Seal) -Borrower [Acknowledgment on Following Page] (Seal) -Borrower Loan No: 601113188 Wyonfi~g Morlgage-Single Family-Fmmie Mae/Freddie Mac UNIFORM INSTRUMENT --TI~ COMPLIANCE SOURCE, INC.-- Page 13 of 1 4 MERS Modified Form 3051 01/01 14301V~rY 08100 ~2000, The Compliance Source, Inc 0602 State of Wyoming County of Lincoln Before me the m~dersigmed authority, on this day personally appeared and CINDY FAY ANGEr,I, BLAKE MORONI _/~NGI~,T, known to me (or proved to me through mi identity card or otller document) to be the person(s) whose nmne is subscribed to the foregoing instalment, m~d acka~o}vledged to me that he/she/they executed the same for the purposes and consideration fl~erein expressed, f'X / Giveu trader lny hmld m~d seal on fids 4th day of FebrUa~:y}. ,/ 2005 (Seal) O ~,-'3 ~ Notary Public (. a,m~-v~qa. · uo~t,~mtm My Commissiou Expires:. February 2, 2006 Loan No: 601113188 Wyomh~g Mortgage-Single Family-Famfie Mae/Freddie Mac UNIFORM INSTRUMENT --TilE COM-PLI.M'4CE SOURCE, INC.-- Page 14 of 14 . ..~..~.~- · MERS Modified Form 3051 01/01 14301WY 08/00 ©2000, The Compliance Somce, Inc.