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DEFINITIONS
MORTGAGE
Words used in multiple sections of this document are defined below and other words are defmed 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.
(~) "Sec~rity Inst~ument" means this document, which is dated .............. ~. . ...... ., together
With all RIders to thIS document. ."":'~ /~' __-x
(B) "Borrower" is ~.~I~.~: .~~VMW~X ~.~P.~~JP! .~W~W~X..~V~Q~NQ.~~.Q W!~~..... ... .-... .': ..'. -;"'M/'n il.~;e......'. ...............
B~~;~~~; i~. ili~ ~~~~~~~~; ~~d~~' ilii~' S'~~~;i~ I~~~~~~~: .. . . . . . .. . . . . . . .. .. .. '.' :~5';~~;_6f".;tiRtUn'. . .. . . . . . . . . . .. .
(C) "Lender" is .m~ M~K Pf ~)M. YA.~L.~y"......................................... ..........,. ::_...,... ~/~.......
. .. .. . .. . .. . . .. . .. .. . .. . .. .. . . . . . . .. . . . . .. . . . . .. . . . . .. .. . . .. .. . . .. . .. .. .. . . . .. . .. .. . .. .. . . .. . . .. .. . Lender is a
.~9~r.Q~.I\T1.Q~...................................................................................... ting under the laws of
J:~~.~TA.~~.qDyy.qMINL. ............ ... ... ... ... ... ... ... ... ... ........... . Lender's address is .~~~.W~~HltJ.~T9.~ .~TR~~1,. ~9. P.QH99l,.. ...
.l\n9.1I!,.WY. ~.~1.19...... ............... ...... ......... ... ......... ... ...... ... . Lender is the mortgagee under this Security Instrument.
(D) "Note" means the promissory note signed by Borrower and dated nG.l!l.2QOJ.... ... ... ... ............ ...... ......... ... ... . The
Note states that Borrower owes Lender ?!~TX ~.EX~~.T~.Q~~.1\~9. A.~Q. ~~/,1J:!Q... ... ... ...... ... ......... ...... ............... ... ... ... ... .....
.... ... .. .... ..... .. ....... ... ... .. ..... .. . ...... Dollars (U. S. $ ~lP.o.q.P.Q...................) plus interest. Borrower has promised to
pay this debt in regular Periodic Payments and to pay the debt in full not later than PMH:QQ?....................................
(E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
(F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the
Note, and all sums due under this Security Instrument, plus interest.
(G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be
executed by Borrower [check box as applicable]:
o Adjustable Rate Rider 0 Condominium Rider
00 Balloon Rider 0 Planned Unit Development Rider
o 1-4 Family Rider 0 Biweekly Payment Rider
(II) "Applicable Law" means all controlling applicable 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.
(I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are
imposed on Borrower or the Property by a condominium association, homeowners association or similar organization.
(J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or
similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic
tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is
not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire
transfers, and automated clearinghouse transfers.
(K) "Escrow Items" means those items that are described in Section 3.
(L) "Miscellaneous Proceeds" means any 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 Propertyi. (iii) conveyance in lieu of condemnation;
or (iv) misrepresentations of, or omissions as to, the value and70r condition of the t'roperty.
(M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
(N) "Periodic Payment" means the regularly scheduled amount due for (i) pnncipal and interest under the Note, plus
(ii) any llmounts under Section 3 of this Security Instrument.
(0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. ~260l et seq.) and its implementing
regulation, Regulation X (24 C.P.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 to a "federally related mortgage loan" even if the Loan
does not qualifY as a .. federally related mortgage loan under RESP A.
(P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has
assumed Borrower's obligations under the Note and/or this Security Instrument.
o Second Home Rider
"'Ji ~ Other(s) [specify] TIOJ}:-:QWJ.1.E':X..O.c.cupancy
TRANSFER OF RIGHTS IN THE PROPERTY
This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications
of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note.
For this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with
power of sale, the following described property located in the ~.Q~~.~Y.~~~9.~9~.~~.......... ...... ...... ... ......... ... ......... .... of
[Type of Recording Jurisdiction!
P~~.Q~~.~P.~~H .~~~~K............ ... ............ ...... ... ...... ............ ...... ......:
[Name of Recording Jurisdiction}
SEE SCHEDULE "C" ATTACHED HERETO AND MADE A PART HEREOF.
Form 3051 1/01
WYOMING" Single Family. Fannie Mae/Freddie Mac UNiFORM INSTRUMENT
Bonko" Systems.lnc_, St, Claud. MN Farm MD-1-WY 6/21/2000 '7 '~ L..
ref: 112001 (pagel of 7 pages) j }
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which currently has the address of .~H.M~Pj~P.N< !WP. 9!lJ~.&1.~ijP. ~X~.. ...... ...... ...... ... ... ... ...... ... ... ... ...... ... ...... ...... ... ..
[ Street]
. ~f.~Q~. . .. . . .. . .. . .. .. . .. . .. . .. . .. . . . . .. . ... . .. .. . ... ... .. . .. . .. . ., Wyoming .P~J.l Q. . . . . .. . .. . . . . . .. . .. .. . .. . . .. .. .. ("Property Address "):
[City] [Zip Code]
TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
appurtenances, and fixtures now or hereafte~ 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 "Property. "
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to
mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record.
Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any
encumbrances of record.
THIS SECURITY INSTRUMENT combines unifonn 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 and 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 shall be made in U.S. currency. However, if any check or other instrument received by
Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any
or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following
fonns, 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 Lender in accordance with the notice provisions in Section 15. Lender may return any
payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender 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 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 unapplied funds until Borrower makes payment to
bring the Loan current. If Borrower does not do so within 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 outstanding principal balance
under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future
against Lender shall relieve Borrower from making payments due under the Note and this Security 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 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
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 to reduce the principal balance of the Note.
H 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 that, each payment can be paid in full. To the extent that any excess exists after the payment
is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due.
Voluntary prepayments shall be applied first to any prepayment charges 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 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 in 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 encumbrance 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 Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the
payment of 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 Loan, Lender may require that Community
Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be
an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower
shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all
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 the event of such waiver, Borrower shall pay directly, when and where
payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender
requires, shall furnish to Lender receipts evidencing such payment within such ,tim,~,J>~r;od as Lender may require.
Borrower's obligation to make such payments and to provide receipts shall for_all purPoses beaeeinedto be a covenant and
agreement contained in this Security Instrument, 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 amount due for an Escrow
Item, Lender may exercise its rights under Section 9 and pay such amount '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 amount (a) sufficient to pennit Lender to apply the Funds at
the time specified under RESPA, and (b) not to exceed the maximwn amount a lender'C1:1.1itequire under RESPA. Lender
shall estimate the amount of Funds due on the basis of current data and reasonable estimates of eXpenditures of future
Escrow Items or otherwise in accordance with Applicable Law.
The Funds 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 Bank. Lender
shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge
Borrower for holding and applying the Funds, annually analyzing the 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 the Funds. Borrower and Lender can agree in writing, however. that interest
shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required
by RESPA.
If there is a surplus of Funds held in escrow, as defmed under RESP A, Lender shall account to Borrower for the
excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defmed under RESPA, Lender
WYOMING - Single Family - Fannie Mae/Freddie MaG UNIFORM INSTRUMENT
C;r-t- Form 3061 Jf5..
(page 2 of 7 pages) - V j J _'
Bonke.. Systems, Inc., St. Cloud. MN Form MD-1-WY 812112000
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Lender or its agent may make reasonable entries upon and inspectionf 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 material
information) in 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 Property and Rights Under this Security Instrument. If (a) Borrower
fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that
might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a
proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement 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) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the
Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing
the Property includes, but is not limited to, entering the Property to make 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 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.
Any amounts disbursed by Lender under this Section 9 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,
with such 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 Mortgage 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
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 the 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 substantially equivalent to the cost to Borrower of the Mortgage Insurance 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 amount of the 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 the 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 Mortgage Insurance coverage (in the amount and for the period that Lender
requires) provided by an insurer selected by Lender again becomes available, is obtained, and 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 the premiums 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 termination 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 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 share or modify their risk, or reduce losses. These agreements are on terms and
conditions that are 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 the foregoing, may receive (directly or indirectly) amounts that derive from (or might be
characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the
mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of insurer's
risk in exchange for a share of the premiums paid to the insurer. the arrangement is often termed "captive reinsurance."
Further:
(a) Any such agreements will not affect the amounts that 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 Borrower has-if any..with respect to the Mortgage
Insurance uuder 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
unearued at the time of such cancellation or termination,
11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and
shall be paid to Lender.
If the Property is damaged, such Miscellaneous Proceeds shall 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 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 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 earnings 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 Instrument, whether or not then due, with
the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2.
In the 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 Instrument, whether or not then due, with 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 market value of the
Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the
sums 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 Instrument shall be reduced by the
Bank... Sy.tems.lnc.. St. Cloud. MN Form MD-t.WY 6/21/2000
L.. ,-" Iorm 3051 j. 1 'l2>
(page 4 of7 pages) ~ ~
WYOMING - Single Family. Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
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transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement the in~ent 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 p~rso~ and ~ beneficial i~terest in Borrower is sold or transferred) without Lender's prior written consent, Lender
may reqUlre nnmedlate payment 1n 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 Borrower notice of acceleration. The notice shall provide a period
of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay
all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration 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 Acceleration. If Borrower meets certain conditions, Borrower shall have
the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days
befor.e sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as
Appl1?able Law might specify fo~ ~e termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this
SecurIty Instrument. Those condlt1ons are that Borrower: (a) pays Lender all sums which then would be due under this
Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or
agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, 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 rights under this Security Instrument; and (d) takes such action as Lender may reasonably
require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation
to pay the sums secured by this Security Instrument, 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 institutio~
whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon
reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no
acceleration had occurred. 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 Instrument) can be sold one or more times without prior notice to Borrower. A sale might
result in a 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 obligations under the Note, this Security Instrument, and
Applicable Law. There also might be one or more changes of the Loan Servicer unrelated 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 the name and address of
the new Loan Servicer, the address to which payments should be made and any other information RESP A requires in
connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer
other than the purchaser of the 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, 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 party 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, that
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 opportunity to take corrective action provisions of this Section 20.
21. Hazardous Substances. As used in this Section 21: (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, volatile solvents, materials
containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental 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
"Environmental 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
threaten 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) which, 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 quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential
uses and to maintenance of the Property (including, but not limited 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 governmental or regulatory agency or private party involving the Property and any Hazardous Substance or
Environmental 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 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 notitied by any governmental 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 an
Environmental Cleanup~
NON~UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
22. Acceleration; Remedies. Lender sball give notice to Borrower prior to acceleration following Borrower's
breach of any coveuant or agreement in this Security Instrument (but not prior to acceleration under Section 18
unless Applicable Law provides otherwise). The notice sball 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 tbe notice may 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 tbe date specified in the notice, Lender at its option may require immediate payment in full of all sums
secured by this Security Instrument witbout furtber 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 tbis 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
WYOMING . S'o,l. F.mllv - F~o'e M..IF~dd'. Moo UNIFORM INSTRUMENT ~ q~ 30':;1(!,'
6anke.. Syst.m., Ino.. St. Cloud. MN Form MD.',WY 6/21/2000 (page 6 of 7 pages) ~
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(' {'>~.":1 '~ ',~',,"j1
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I will make my periodic payments at .... ..3.~4 W~~.~INGTPN ~J:~m,~n:Q~, Wqmp...........................
.. .... ...... . .. .. .... .. ..... ... .. .. .. ..... ... .. .. .. .. ... or at a different place ifrequired by the Note Holder.
o B. FUNDS FOR TAXES AND INSURANCE
Uniform Covenant 3 of the Security Instrument is waived by Lender.
BY SIGNING BELOW,
this Payment Rider.
Borrower accepts and agrees to the terms and covenants contained in
....~J..~~................ (Seal)
ERIC J, SHUMWAY J .', -Borrower
.... jJ~....:f.."La.frl/A.4'T'"'' (Seal)
HEIDI SHUMWAY 0 -Borrower
Elanke" Sy81em., Ino.. St. Cloud. MN Form MPFR-PR 612512000
(page 2 of 2 pages)
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NON-OWNER OCCUPANCY RIDER
[Property Address]
In modification of and notwithstanding the provisions of Section 6 of the Security Instrument,
Borrower represents that (s)he does not intend to occupy the property described in the Security Instrument
as a principal residence.
BY SIGNING BELOW, Borrower agrees to the representations contained in this Non-Owner Occupancy
Rider.
~)~.
ERIC J. SHUMWAY
I:J ,cf, 3Cu>\A' ~o-
HEIDI/SHUMWAY
(SEAL)
Borrower
(SEAL)
Borrower
Banke" Systems. Inc., St_ Cloud, MN Form NOO-R 8/24/2000
(page 1 of 1)
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