Loading...
HomeMy WebLinkAbout87012602014106 Return To: Fn�u:�Itvw gam OLD KENT MORTGAGE COMPANY ATTN: FINAL DOCUMENTATION P.O. BOX 204 GRAND RAPIDS, MI 49502 -0476 Prepared By: OLD KENT MORTGAGE COMPANY 7310 NORTH 16TH STREET SUITE 300 PHOENIX, AZ 85020 -5256 Loan No. 35271957 [1951554] [Space Above This Line For Recording Data] DEFINITIONS -6A(WY) (9905) Page 1 of 15 Initials: VMP MORTGAGE FORMS (8001521-7291 Recorded,,, ,i! at In stook .6 Pays p.O t o No. 0.. a s i ..�4 t6 Jeanne MORTGAGE 106a0lwy.0899 11 MIN 1000142- 1014007723 -8 Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated November 29th, 2000 together with all Riders to this document. (B) "Borrower" is LANCE MCYOUNG, A SINGLE MAN Borrower is the mortgagor under this Security Instrument. (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 organized and existing under the laws of Delaware, and has an address and telephone of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. WYOMING Single Family- FNMA /FHLMC UNIFORM INSTRUMENT WITH MERS Form 3051 3/99 1 1 1 11 Kemmerer, WY Wagner, Clerk 1 11 11 66/C L50£ WAo3 R795L96LI L96LLZ5E 'ddS321 iapun „uzoi a2E2lioui pale[ai Aiip.iapaj„ E sE jqunb lou saop uuo7 aqp ji liana 0uuot °Muoui pomp.' AllgJapaj„ y o f !maw ut pasodun aJU pp111 suouoiJlsal pug sluauia.nnbaa jig 01 slap.' ddSd2I luautnzlsui iCnznOas sup up pasn sy •1a11Em loafgns Dings Dill suiano2 1Egl uopulnWoJ Jo uopursp2ar Tossaoons 10 iguoilippE ,Cue TO '0111p 01 a unt 1.110TJ papuotuu aq lgWtm Aotp su '(OM pad '21'd'D tz) x uopejaag `uoputn5aJ $uquaulardun sit pug ('bas lg 109Z uoiloaS 'Y'ST1 zt) pod sa.mpaoO1d luau oI11aS Olulsg Leah 01 11 small „ddsam, (d) •luaunulsut AuJnoos sup jo uopoas Japan slunotuu Aug (z) sntd `a1oN aqp Japan lsazalui pug tudtouud (t) JoJ anp lunotuu patnpagos Xiiginjai Dill sugatu ;uaudud olpopaad„ (0) •U0' OLD 'uo lit1Rpp TO '30 luaulmCuduou aq1 1supg2e Japaa-j Sutloalozd aougznsui suyaut „aouetnsui a2u2poTAr„ (NI) •Xuado1d aq1 JO uotlipuo3 Jo /pup Duren gill `01 SR 5U0 SSnit0 .10 'Jo suop1luasazdazspul (A!) To uopuuulapuoo JO nail ui aougICanuo3 (m) `Xuado.d on) jo Ind /CUR Jo rye 30 2up lul Jaglo JO uopNUUlapuoo (Ti) `X1Jado1d all `Jo uoplotulsap Jo `01 oSuutup (r) Jo; (S uonoos up paquJosap sagJanoo aqp Japan mud spaaoozd aouuznsup cull Jal o) Cued p1ig1 Aug Act mud spaaoozd TO `saEU1 p Jo pIEMI 'mammas `uoipusuaduloo Aug mum „spaaoold snoaur ipaslw„ (W) uotloas up pawasap are 1E111 S11011 asogl ugaU1 „SLUM Monsg„ (I) szaJsuRT1 asnoggui1gap palgtuolnu pug `siajsuuJ1 a1TM `auotrdaral Xq paiumui szaJstcgJl `SUOtloesum1l Duclo'ti Jarral palgtuolnu `szaJsut1l arcs- jo -lutod `01 palpm!! 1ou sp inq `sapnroup u1Ja1 Lions •lun000g uu UpaJO Jo 1pgap o1 uoilnitlsup rupouuug u azpoglnu TO `lOtupsui `Tapm( 01 sg os aim Z 1 U Eul Jo `Jalndtuoo `luatutu1sut opuogdaral `IuUtmJal otu0Tloop lie ggnoiqp pamuup st nom m. luatutulsup Jaded Turputps Jo `1pu1p `vow ,iq palgu!2!JO uop1Oesuuzl u uugl Jag10 'spun] Jo Jojsuu11 Aug suuaul „lajsumj, spung oluoa ;oald„ (x) •uotlgziuu$TO Jutpuns 10 uoUgpossu SzauMOamoq 'uouypossu umlu!ulopuOO g ,Cq /Cuadozd all Jo JaMo1Jog uo !modal! an imp salJggo zalpo pup sluatussassu `saaj `soup tru suuaul „s ;uatussassd pue sang 'sang u0►lnraossd SuunututoD„ (p) •suoputdo puioppnf arqureaddu -uou `ruup3 arquogddu ttu su ItaM SR (MEI JO papa aq1 anal imp) s1ap10 pug sapJ anUEJlstuputpg pug saoueutpzo `suoujn2a1 'mums Toot pup alups `tguapaJ arquoitddu guplto Hu sueatu „uteri algealiddd„ a) H3GIH 3ONVansNI 3DVD.la01111 [toads] (s)Jagip X Japig luatukgd /CptaaMpg I Tap21 VA Japm Xittugd ti t 1 Jappg luauldoranaU lion pauUetd Japtg uootrug JappN aUIoH puooas 1 I Jam Umtututopuo3 Tapp} glue atqulsnfpd o St. to z abed 6680 *XmZ0e90t (5066) (AM)V9- [aigeogddu sE xoq patio] JOMOZZOg palnoaxa aq o1 OM &Tapp t'upmort03 ails •JamoJJOg Aq palnoaxa am Imp luauntusul Allmon sup 01 &TappT try mum „siaplu„ (H) •lsazaiup stud `luaunuisut kiznoas sup Japan anp sums rte pup `aIoN all Japan anp saa1Eg3 awl pup saJUlo luauliiudazd Aug `1sa1alup sntd `a1oN aryl Aq paouappna leap alp small' „ueori„ (0) XuadoJd alp up slq$n1 3o zajsuu1,t,,, uppuaq aqp Jopun Moraq pagposap sp peel Xuadozd atp suuow „Xilado .xd„ (i) 0 OZ 't .zequueoea UE111101E110u ttn3 up lgap aqp ,igd 01 pug smau1Sud otpoizad up igap sup ,iud o1 pasiulozd sail JaMOJJOg •150101U! snjd 00 0S Z '06 S' fl) sielloU 00t /ON pue XS.:1I3 aE2IaNf1H OM,L aMVS110HJ1 Japua-i SOMO zaMOJTOg Imp salgls aloN Dili 0O0 2 '6Z aequtenoj polyp pug JOMOZZOg Xq pauaps Dion £tossputozd ag1 gnaw „aioN„ (a) 02OS8 Z•EY 'XINHOHd 00£ Z,LIns 'Z2122IZS H.L9t }LUTON OtE si ssa1ppy S,TapUO NYDIHOI74 LO ZZYZS ZHS JO mg! all Tapun 2utpspxa pug paztag5Jo NOIJ1Y IOa1100 NYOIHOINI u sc Tapua1 XN`ddI400 zDVDJ210I4 .T.N2)1 arm Si „Japuari„ (Q) -6A(WY) (9905) TRANSFER OF RIGHTS IN THE PROPERTY LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF. 106a03wy.0899 Initials-9 W (Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and /or this Security Instrument. This Security Instrument secures to Lender: (a) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (b) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the 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] Parcel ID Number: 35192330022800 which currently has the address of 491 CLARK LANE COUNTY ROAD #115 [Street] ETNA [City] Wyoming 83118- [Zip Code] "Property Address TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter 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 understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. 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 uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. 35271957 [1951554] Page 3 of 15 Form 3051 3/99 66/£ L50£ "MA [7551566] L96LL15£ j09 9 L )o q aged 6680' Amb0E90I 15066) (AM)v9 siunoum ail `algg1Cgd aaagm pug uaim `Apoaiip ,igd hems .Iannouog `JanttM qons jo Juana alp ul •$utiilm ut aq /quo Amu JaAtgm gons Cud •atuu Aug p small molosg Jig Jo kg Joj spund Japuo' op iCgd o1 uoiiOilgo s,lamoJJOg antgm hat Japual •small molOSg jig Jo Aug Joj spund ag1 Ad 02 uopaTigo s,lamo /JOU santgm Japuai ssalun small mO Joj spund ail Japua 1igd Tlrrgs Jam°nnog •uotloaS stgp Japun ptgd aq of slunouig Jo saopou llg JapuO- o1 gsmin3 Awl llggs Jamouog •luall mama ug aq Timis slualussassu pug saaj 'soup gons pug '10m011og tCq pamoiosa aq 'Aug 3t `sivaulssassy pug saad `sang u0tlg!Oossv Auunuuuop lrrgl a.Itnbaa Japuai `ugo-1 aqi jo uual agf 3utlnp atutl Aug lg .10 u011g Ii LIo ld ;slum molOSg„ NUM OM sivalt OSOT j 01 uopoaS Jo suotstnold 0141 hum aougpi000g ut sumtuuaid aourinsul a2g2uoiN jo luauuhd ail 3o natl ut Japua-1 of 1amoJJOg Act aiggAd sums Aug JO 'Aug 31 `sumtuuaid aougansul agatlow (p) pug :g uouoas Japan Japual iCq pannbai aourrinsut Ile pug Aug Joj sulntuiaid (o) :Aug 3t `XuadoJd alp uo sum.' punda Jo sivatuhd plogasma[ (q) `.tCuadold 0141 uo aOUg1gt11noua Jo uall u sg Iuauln.Ilsul ,iltmoos sTgl JOAO Aituoud urelfm trgo lOtim suiait Jaglo pug sluauissassg prig saxgf (g) :Joj anp siunouig Jo luauuhd Joj aptnold of „spund„ alp) nuns g `IInj ul mud st a1oN aq1 [thin `aloN alp Japan anp a.Ig maul/Cud Olpoilad hp alp uo .Iapuarl 02 pied I[egg 1amoltog •slug ;j mOaasa 003 spung •sulaw (ed Otpotlad ail Jo 'lunouug aqf a5UrrgO 10 `amp anp aqi auodlsod 10 pualxa IOU llggs aloN ail Japun anp Tgdtouud 01 spaaoold snoa11rrIIOOStl&I Jo `spaaoold aourrmsut `sluaui,Cgd ;o uotlgotlddrr Auy aloN ail ut pagposap sg imp pug saBJggo 2uatuAgdaud Aug of 1s.Ig patlddg aq Bugs slua1.0 dald £.IglunloA pup saamtio am Aug 01 patlddg aq Amu ssaoxa qons `smatu igd otpotlad 010111 .10 0110 Jo puaun, d Ilnj ail of patlddg st luauuhd alp Jafjg sistxa ssaoxa Aug lggf luaixa aqi oj, •llnj ut pigd aq ugo luatuAd goga `iggl lualxa alp 01 pug `3t sfuauiICgd Otpopad ail 3o luauihda1 all 01 Jamoaaog tuo1j pantaoal luauuhd Aug Aldde Amu Japuai `2utpuglsino st 1Uaui,Cgd Otpouad auo U 141 aJOU131 •001 9O 02mI aqf pug 1uatuAd luanbutlap alp 01 patlddg aq Amu fuaul1igd 0941 `anp almgo alml Aug Ad 02 lunoum 1UatO1J3ns g sapnlout gotgm luauuiied Otpo!Jad luanbutlap g J0J JOMO IOg 11104 SOAI000J Japua-1 jI •010N ail Jo azugplq Wdtoutld 0941 aOnpa1 o1 imp pug `1ualutulsul Alin sup Japun anp slunoulg Jatpo Aug 02 puooas 'sang° alml of isu palldde aq Ilmgs siunotue 2ulu1EUlal anp aulgoaq pt 14ot14M Ut Japmo 0941 ut puatuICgd otpopad gaga 01 patlddg aq us s1u0ul1Cmd ions uotloaS 1apUn anp sfUfl0U1 `.a1oN ail Japan anp tmdtoutld (z) `aloN all Japan anp 1sa1alut (I) :A1t1otud 3o Jap.io 2utmotIo3 aqf ut patlddg aq Ilggs Japual sq patlddg pug paldaoom sfuatuhd tig `z uotloaS stll ut paquosap astm.lalllo SR ldaoxg •spaaooad ao s;uaiuAed 3o uol ;eatlddy •Z •luaunulsul 4lfOas stir Act palnoas s1U0ulaoJWg pug sfuguanoo 0141 2utuuo ;lad Jo 1uau1n.11suI XltmoaS stir pug aloN ail Japan anp swam/cud 2upfetti tuoJJ J amoIJOg anatlal Mugs Japuarl lsutgag alnln3 0141 ut Jo m011 anrri 19VtUI JamoIJOg 10tgM uitrrlo J0 IOSJJO ON •alnsolooloj 01 Joud ,ilafgtpautuI1 aloN alp Japun aOUglgq p dtoutld 2utpuglsin0 alp 01 patlddg aq lttm spunj gons `1aTima patlddg 1011 3I •10M0110g 01 amp tutua1 Jo spunj ions Alddg Jaglta Timis lapua-1 'amp ;o potlad algguosgal rr utgitm os op lou sanp JOMOJJOH JI •111a1Jn° ugo-I 0141 &Iuq Ol (s)1u0ul,igd sa�lgul 1am01JOg spunj patlddgun ions ploq eCgm Japuo spunj patlddgun uo 180101111 1ou pax' Japu0Z uagl 'amp anp palnpagos sit Jo sr patlddg st fuauiIirrd Otpotlad goga dI •palda0Og a1g s1UOtuSgd ions au1j1 0941 lm sfuatuhd ions Alddg 01 paiailgo you st Japua7 pnq `alnin3 ail ul sivaul,CCd Trriumd Jo (s)luauu,irrd wits asnJaJ of s2l$u sat Ol aotpnfaid 10 JapUnalaq s1g2p rite Jo Jantrrm lnoglim 'lua11113 umo'l 0941 $upq o1 luatownsut (s)luatuAd Tetuui 10 (s)luau Sgd Aug ldaoog Cu J0pua7 •1ua11n0 umo'-1 alp $uuq 02 lua!OIJ3nsut 0193 sluaul1Cgd Igtugd Jo (s)lu0111Sud 0141 JT (s)fuauThd mind 10 (s)luauliCgd Aug 111n1a1 heal Japuarl •S1 uotloaS 111 suotstnold aOpou alp gltm a0Ugploo0g ut lapua-1 Xq paiguStsap aq Aux sm uoptooj 1ag10 ions lg 10 aloN alp ui palguaisap uoil9O0j 0141 frr pantaoal uaim Japaa' Aq pantaoa1 paulaap OJg sluam/Cmd •JaJsug1Z spund Otuo11Oalg (p) Jo AiltMU° J0 `AITigluau11u1sut 'ii0Uag Trrlapaj g ,Cq palnsut 0193 sftsodap aso14m uotlnitlsut ug uodn umrrlp si ratio gons Aug paptnold 'paw s,latgs9O Jo 0a14O s,lamsgaJ3 `)JOag3 3lugq `3 00140 paIJtu0O (o) 'Jap10 4auoul (q) `isi o (g) :Japual iCq paIOaTas sg `suuoJ 5utmoll03 0141 Jo OJOUI Jo 0110 11T ap9U1 aq luOlunlpsul ArTinoas sup pug aloN alp Japan anp sluaubCgd luanbasgns lie s0 SUg 19341 a1tnbal Amu 10)U0 I `ptmdun Japual 01 pau1n101 Si luau11UISUl J pinoas sup .10 aloN 0941 Japan 2UOUI I3d sg Japua-1 ,iq pan10Oa1 IUannulsui 109310 raw Cum 3t `lanamoli •AoualJno •s•n ut apetu aq Hugs luauilufsul iCllInOas sttT1 pug aloN aq1 Japun anp Sfuaui1Cgd uotloaS o1 1Ugnsmd suiall mama Jo; spunj ow Itmgs 1am0110g 'aloN 0141 Japan anp sa$19390 airrl purr saimgo luaulAdald Aug pug aloN aq1 i(q paOUaptna Nap alp `110 psalalui pug '3o lmdtoupd alp anp uagm Ad I[mis IOMOIJOg •saaegD awl pue 'sa2aega ;uatu1edaad 'suia ;I moaasa ';saaa;ul '16dioulad jo ;moan,” •i :smoiioj sg 001Bg pug fuguano3 Japua'I pug JOMOJJOH S1NVNdAOD VRIOdINn 03 A 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 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 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 (1) sufficient to permit Lender to apply the Funds at the time specified under RESPA and (2) not to exceed the maximum amount a lender can require 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 defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than twelve monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than twelve monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument 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 the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the 6A(WY) (9905) 106a05wy.0899 Page 5 of 15 Initial 35271957 [1951554] Form 3051 3/99 661£ LSOE WJ [b99L96LI LS6LLZSE g1!M `anp uagl iou JO iamotim `luauttuisui £ulnas sigi paanoas sums a141 of pa!ldde aq Hugs spaaooad a°unansu! at i `pauassa! aq pinoM Auanoas s,1apua- .io aiglsuaj (!!eolutouooa iou si algdaa .io uopuroisaa aI1 di •.iamoinog jo uopnSggo aios °141 aq tugs pun spaa°oad a°uuansut alp jo ino mud aq lop !rugs aamoaaog ,Cq pauinlai `saiuud pntp aaglo .to `saalsnfpu ojgnd JO; s003 •spaaooad Ions uo sSu!utua ao lsaaalu! (uu aam000g of paambaa aq 1ou hugs aapua7 `spaaooid aougansui Ions uo mud aq of Isamu! saambaa mu i aigeogddd ao $upl1M ui apetu si uraulaaar ue ssatun •palaidtuoa si XaoM alp se sluatuhd ssaa$oad jo souls a ui JO luamiigd aiSuls n ut uotleaoisaa pup saigdaa alp ao; spaaooad asangsip Am! aapual •Apdutoad uaaiuuapun aq hugs uopoadsui Bons lugs paptnoad `uopoujspus s,aapuai or palaidutoo uaaq suq )iaoM agl aansua o1 ICuadoad lions loadsui o1 A1lunuoddo uu puq sm.! aapua7 !pun spaaooad aounansu! Bons poll o11g$ia alp anug tin14s aapua-i `polaad uopeaolsaa pun aiudaa Bons Suuna •pauassa! lop s! icipn°as s,aapua-i pue atgisua3 AIluopuouoaa s! aiudaa JO uoilnaolsaa ag1 `Alaadoad ag1 jo alndaa ao uopgaolsaa o1 paitddn aq Hugs `aapur! Act paambaa sum aouuansu! Su!Ap pun aq1 iou ao ragla p& `spaaooad aouuansut Atm `Suppm ut aaaSg as1Ma0g10 aaMOalog pun aapuari ss0tun aaMoaaog Apdutoad aputu iou j! sso! Jo ;ooad oval kntu aapual •aapua1 pup rap= a°uuansut aq1 01 aopou ldutoad ZAts Bugs aaMoaaog `SSOI JO MAO OM u! aaiud sso! Iguoplppe ue se ao /pup ao2apOUW se aapuaJ auzuu bugs pup asnup aSnSlaoUt paepuuls n apnpu! hugs AotHOd Ions `,fuadoad OI1 `Jo uop°nalsap JO `01 a umup ao3 `aapua' icq paambaa astMaatpo iou `aggaanoo aouuansu! Jo utao3 Iiuu suielgo aamoaaog 31 •samuou lgmauaa pup stunuuaad mud 3o s1dlaoaa iiu aapuaj or antS Apdmoad Bugs aaMoaaog `saambaa aapua-i 3! •salnoijpa0o luMauaa pun sal°!!od ag1 plot 01 114$11 alp anu14 Hugs aapuai •aaXnd sso! teuomppn Ire ao /pup aaSuSuotu su Joplin °utnU Ilggs pun `0snup aWarrom paupuuls a apnJOu! imp `saiotiod lions anoadduslp o1 1q$!1 s,aapua-i or loafgns aq Hngs salogod Ions 3o si[Mauaa pup aapuaZ Act paambaa satottod o uuansu! IId •luauuXnd Supsanbaa aaMoaaog 01 aapuaj uma3 aouou uodn `lsaaalu! Ions tom `aiquiiud aq Hugs pug luauuasangslp 3o alup a141 utoau area aloN °141 lg lsaaalu! nag Hugs slunoulu asata •luatunalsui ,Clun°as spa paanoas aamoaa0g Jo !gap tuuolllppu auzooaq hugs S uopOas Sig1 aapun aapua-i pasangslp slunoutg Jiuy •paaiglgo anug ptnoo aamoaaog 11141 aODUansu! Jo isoO aq1 paooxa ICtian°u1u$!s 1gVpu pauluigo os aura/kW aOUnanSUI aq1 JO 1SOO MU rem saSpatmoU)lon aaMoaaog •1OOJJ u! ittsnolnaad SEM ungl a5u1 A03 aassat JO aaleaIS apinoad lgSnn pug Xuilquil JO mum! `Asp Auu lsuin2g 'filmdom a1413o slualuoo a141 JO `Auadoad ag1 u! Xunba s,aamoaaog aaMoaaog loaload iou 1142!11 10 1g2pu lnq `aapurJ aanoo !legs aSuranoo Ions `aaojaaata •aSn1Ono° JO lunouun a0 ad1i1 autnoluud (uu asugaand o1 uotlnStigo ou aapun st aapua-j •asuadxa s,aaMOaaog pup uotldo s,aapual 1n `aSeaanoo aauuansu! ulnlgo 'Cm aapun °nogg pagtaosap saSu10n0O OM JO Aug utelutnm o1 sTEJ aaMoaaog JI aaMonog uopoafgo uu wog Supinsaa uopeultuaalap auoz pooh Auu 3o mama.' ag1 g11M uopoauu0° u! I OUaSV luatuaguuuysi ,fouaS.Ouug fgaapad alp Aq pasodut! sol; Alm ;o luauzAud atp ao3 algisuodsaa aq 0sig !lugs aaMoaaog •uolluogluaa JO uolleulupalap Ions loam 1g2iut Xiquuosuar gOi4M anoo° saSuugo aulluzis JO SSuidde1110a atuil gaga sagan14o luanbasgns pug saoinaas uogeogluao pug uotluulupalap auoz pooh aoj amp autp -auo u (Z) a0 saOtnaas uploual pug uopeo1Jluao `u0puu!Upalap auoz poop ao; aSan14) awu -auo g (j) :romp `uno•i slg1 gllM uop°auuoo u! `Cud 01 a0M0n011 aambaa Auut aapun •Atquuosuaaun pas!°aaxa aq lop Hugs 1145p gop14M `aototi3 s,a0M011011 anoaddnsip of 1142ta s,aapuO-j 01 1Oafgns aaMoaaog uaso1O aq Hugs aOUnansul a141 Sulpinoad lapse° a°Ugansul ag1 •tU10'4 a141 3o uual a14l Suunp amp uno saOUaluas Sutpa°aad am 02 luunsand saainbaa aapuo'j lug^ •saambaa aapua-I Imp spotaad 0141 ao3 pun (slam! atgponpap 2uipnpu!) wino= 0141 u1 p0uteluluut aq !lugs 0OUgansu! spat •OOUgansut saambaa aapual 14oi14M aoJ `spoon pug sa)innbglaga `01 paliut!! loll inq `Suipnpu! plum' raw ,iuu pun „`aSuaanoo papualxa„ tuaal ag1 Utg1UM papnput sprung 'am /Coq sso! lsuiRSB paansui ,Claadoad 0141 uo paloaaa aaIJeaaa14 JO 5uiistx0 Mou sluatuanoadtui agl daal Hugs a0mo.uog •aaueansul Alladoad •S •uuo'spp grim uopOauuoo u! a0pua-! Act pasn aoinaas Supaodaa so /pup uopRO!3laan x11 alma Ina° u .10J amp aUZl1 -auo n /cud 02 aaMoaaog gimbal hm aapua'i •y uollaas s!g1 u! anogn g1aoJ las suopou a141 Jo 0a0111 .10 auo 03In1 a0 ua!I 0141 Ajspus Hugs aaMoaaog `uan15 s! aollou lggl galgM uo alp a141 JO situp OT ulglUM ¶J D 9 t 10 9 06ed 6680'X^906901 (1066) (AM)V9- u 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 any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30 -day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (1) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (2) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, 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 deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such 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 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 (1) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (2) 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 (3) 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, (1) paying any sums secured by a lien which has priority over this Security Instrument, (2) appearing in court, and (3) paying reasonable 6A(WY) (9905) 106a07wy.0899 Page 7 of 15 Initial�v y' 35271957 [1951554] Form 3051 3/99 661E 150E WJUI [ti9S19611 LS6ILZSE 914 to g eBed 6680'X"80g90I (6066) GUAM- CP `luawnr sui Allmoag slur Xq pamoas sums alp 01 pailddu aq pugs spaao01d snoauellaosljA! ag1 `pauassal aq pinom Alunoas s so algisu03 I[[goIu"ouooa lou si nuda1 uouluiolsaa au1 31 •spa0oold snoauu[[aosiyA[ lions uo s5u!ule0 10 Isamu! Aug 1amofog Cud o1 paimbaz aq lou pegs lapuag `spaaoold snoaugii0os!JA qons uo mud aq o1 lsaialul sallnbal man alggoilddd 10 3uppm ui opal" s! luauzaaau uu ssalun •palajdu"oo si aI1om ag1 se sluOwAud ssaaold jo salsas g ur 10 luauiasingsip al2uts g ui uollulolsaI pug sliudoi aq1 1o3 Auur 1apu0g •Xpdurold ualguapun aq hugs uopoadsui gons 1ug1 paptnold `uopoujspgs s,lapu0g 01 palaldumo uaaq suq vom alp ainsua o1 Auadold gons padsui o1 Anlunuoddo uu pug suq lapuag I!lun spaaootd snoauellaosm gons plow 0141 anuq netts lapuan `pound uouuzoisaz pug /ludo.' gons 5u11na •pauassal 1ou s! Alunoas s,lapua' pug Olq!sua3 Allgolu"ouooa s! .zigda1 10 uor1u1o1s01 aql 3! `,ivadold alp jo ilgdaa 10 uoi1g1o1sa1 01 ponddg aq Hugs spaaoold snoauullaoslJ, gons `paSuu"gp s! ,ivadold alp 3i •lapuan o1 mud aq hugs pug 01 p0u2Issu Along are spaaoold snoauguaosryil HV •a.in ;Iaiaog :sp0aooad snoauellaasm! 3o ;uaurudlssy •ii •310N a 11 ui papinold alga au11u lsalalul ,iud o1 uopeSllgo s,10mo110g sloa33e 0i uolloaS s1141 ur gululoN mug alquoilddd Aq paiinba.r 5! u0Aeuluual Il1un 10 u0l1uuiuu01 gons 103 2urpin01d lapuan pue 1am011011 uaammq luau"aa1$u ua11i1m Auu glrm aouupl0ooe ui spun aouglnsui a5g2uow 103 luaurannbal s,lapu0g all plan `anlasal Ssol alggpun3al -uou u apinold o1 10 `13033a u! aouumsui age53.low urelutuu" 01 pannbal sumuurald aq1 Aud hugs 1am0110g `aouulnsui au;iuoyAI 103 su"nlurald 0141 pmm01 sluau ",Cgd palgu5isap AI01Uudas aalgul 01 pannbal sum 1amo11og pug uu0g 0141 2upluu" 3o uo1upu0o u su aouumsui a2u21Joyv 'pannbal lapuag 3i •0ouglnsui 103 su"niuraid 0141 plumol swam/Cud palgugrsap Aiammdas sallnbal lapuan pug `paumigo s! `alggpgng saurooaq um e lapuag Aq paloalas Jammu! uu Xq papin0ld (sallnbal Joplin 1e41 popad all 103 pug Junouru all u!) 0ge10n00 aouulnsui agauoyAI 3i maul/Cud anlasal ssol aimbai 1a2uol ou uuo 1apu0g •anlasal ssol lions uo s211rulga 10 1s0101ur iCuu 1amo11og dud o1 pallnbal aq log Hugs lapuag pug `i[n3 ur pred i(101uUIpin sl uuog aq1 1gg1 log3 0141 2ulpuu15u1!mlou `alqupunja1 -uou aq pegs anlas0.1 ssol gons •aauulnsui agg;iuoyi 3o in ui anlasal ssol algmpunjal -uou u sg sluau"Aud asap urinal pug asn `ldaoou !pm Japuag •1oa33a ui aq 01 pasuao aelanoo 0ouulnsu! aql uaum anp alam Imp snuau",fed palgu2!sap ,CIaluludas alp Jo lunourg all 1apu0g 01 1Cud o1 anulluoo pugs 10M011011 `alqulrenu sou s! auanoo aouulnsui a$e2110N lu0renmba iilreuuelsgns 3i 'lapuag paloalas 10111511! au511oUI algulallg lie u"o13 `100330 u! AIsn0tnald aouglnsui a;ie2uow 0141 30 10M011011 01 1S00 0141 01 luarenmba ICIrelnuglsgns 1600 g 114 `1100330 ul i(lsnornald aouumsul a$a110y4! al1 01 lu0ren!nba ,(Ilglluglsgns 0 10Aoo urelgo 01 pannbal surniurald all /Cud pugs Iamollog `aouulnsui a3u$110N 103 sumlmald 0141 plumol sluaur,(ed palealsap Alalg11 dos alum 01 pallnbal sum 1am0110g puu aouulnsul lions paprnold Alsnolnald 14141414 lamsu! a5u21J0u" 0141 "uo13 alqulignu oq 01 SOSUO0 lapuan pannbal aglanoo aouunsui a3auoys 0141 `uosu01 Aug 103 `3i papa u! aouulnsui aSu2uoyAI alp urelureu" 01 pallnbal sum!u"aid aql ,igd mils 1amo110g `ugog agl 5uplgur 3o uolllpuoo g sg aouumsui a5u2IPIA! pallnbal Joplin 3i •0oueansui a2u5lJ0JA •01 luprlm u! 10 10= ag101 SaaAg lapuag ssalun Aim 1ou hugs 01111 aa3 a141 pug plogasgal 0141 `Auadold 0141 01 a1111 aa3 sannbou 1amo11og 3i •asual 0141 3o suoIsrnold aq1 IIg 1411m Aldu"oo hugs 1am0.u013 `plogasgal u uo Si luaumllsui XlrinoaS sup 3i luau",Cgd 5upsanbai 1amoIog o1 lapuag u "013 aonou uodn 'ma'am! lions gllm `alquAgd aq Ilggs pug luauraslngsrp 3o amp alp u"o13 01111 aloN 0141 111 lsalalul nag ins 5lunoum as014j •luaumllsui i(lllnoas sup iiq pamoas 10M0110g jo )gap Iuuolllppu au"ooaq 1m146 6 uopoas si141 lapun lapuag iiq pasingslp slum= i(ud •6 uolloaS srgllapun pazuo14lnu su0llou Ire 10 Aug 2uplel 1011 103 A11Ilqull ou smoul 10puag lull paaau s! 1! •os op 01 uollghllgo 10 Amp Auu lapun log s! pue os op 01 0A 14 1011 saop lapuag '6 uopoaS 51p1 lapun uorloe a3re1 Amu 1apu0g l$noulJV '330 10 110 paulnl wpm anuq pug `suolllpuoo sn0la &uup 10 suol1gl0ln apoo 1x1410 10 3umplmq ammunJ0 `sadrd uro13 1amm ululp `smoputm pug sloop do pigoq 10 aouldal `mot amp `sligdal wpm 01 ,ivadold 0141 �uualua `01 panto l sou sl 1nq `sapnloul filmdold alp &I!lnoas ,Soldnlnlugq g u! uolllsod pampas s1! 2ulpnlou! luaumllsui Allmon slut lapun s1u511 10 /pug Xuadold alp ul 150102u! snl'loalold 01 6003 ,sii0uUo11u 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 amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the 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 immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 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 sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. 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 impairment of Lender's interest in the Property or rights under this Security Instrument. 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 this Security Instrument. The proceeds of any award or claim for damages 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 Instrument 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 Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this 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 right 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 liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this 6A(WY) (9905) 106a09wy.0899 Page 9 of 15 Initials. J 0L 35271957 11951554] Form 3051 3/99 66/E L5OE mod Ifi551.96L1 L96LLZ9E 6 L 40 6 0 6680'Am60E901 (9066) (AM}V9 m sup 2utu5ts -oo si (u) „iau2ts -oo„ p) aloN aql alnaaxa lot slop 1nq ivautnaisui !moos sags su;ils -oo og■ aamoaaog ,Cue 'Jana/mil *paws put Iwo(' aq pugs ,4t[tgnti pue suouaggo s,iamouog 1eg3 saaae pue sltreUanoo aamoaaog •punog sudissv put saossaaans !saau2as -oD '.,C ;itiim tuaanas pug mot. •£I •iCpatuaa Jo 1112la Atm jo aspiaxa oql apnpaad .io Jo aan1Em p aq lot pegs `anp uagl lunow agl uugl ssai slunow ua JO aamoaaog jo Isamu!' ul saossaoons ao saniva `suosaad pup map sruatuAud jo aoueldaoae s,aapuaj `uopulttuta lnoglam `3u1pnpua Apatuaa ao lg3u Xup ;iutsto.zaxa 211 .zapuai aoueapagaoj ,iuy •aamoaaog jo Isaaalui ut siossaoons ACtm 10 aamoaaog ieut5t.zo alit 4 amt.! puptuap Aue 3o Uoseaa 4 luatunarsui Aitmoas• sup X11 patinas sums aql jo uouezuaoute itpout astnuagro 10 111711 Ced .to3 au puaixa 01 amp.' of JO aamoaaog Jo 1s3.101ui Ut aossaoons Cue lsulau autpaaooid aouaunuoo of paatnbai aq iou iiegs .tapuaei •aamoaaog 30 1satalul ut SIOSSg33ITS Aug 10 aamoaaog 3o Sltugnti alp aseaiaa of arnaado lot imps aamoaaog 30 1s0.101u1 ul aossaoons /Con JO aamoaaog of aapual Act puma luatwnnsui 'ilt.tnoas sup ,iq pamoas sums alp jo uoarezluotun jo uopnoljlpout JO luautApd aoj Quill am jo uotsualxg •aan►uM u 1oN aapuaj Sit aaugauagao,4 :pasuaipg 10N a9M0aa011 •ZI 'Z uotloas ut .iO3 paranoid aapao am ua paaiddp aq pegs Auadoad agl 3o atndaa a0 uoueaolsaa 01 patiddn iou oap map spaaooad snoauell°osti^I •aapual o1 mud aq Hulls pun pau2assu ,Cgaaaq aan Alaadoad alp ut lsaaalut s,aapua- jo luauutndult am of aigningtalln aau Imp saRnutnp aoj uttnp ao paemn Aug jo spaaaoad aqj •luatwnalsui Aluanoas sup aapun sWu JO Xuadoad gip ut lsaaalut s,aapual jo luatualndutt intaalmtu aagro 10 Iivadoad aq1 jo amltajaoj sapnpaad `luaut2pnf s,aapua-i ul `lpgl ;iugtu u gram passtutstp aq utpaaooad JO uouon ag1 ;iutsnuo 4 `61 uotloas ua paranoid su arplsutaa `paun000 seg uoaluaapooe J! `pun linujap n pons aano Teo aamoaaog •luatunausui klunoas sup aapun slqpa ao Auadoad am ut lsaaalut s,aapual jo 1uauutpdtut ietaaletw aaglo JO Ala OW 3o aanitajaoj ua lima! pinoo `luaut5pnf s,aapua-i ua `ingi un2aq sl `iuuttuuo a0 unto aaglaqm `fuapaaooad a0 uotlon Cup 3t 1inuJap Ut aq hugs aamoaaog •spaaooad snoauniposuni o1 paOaa ut uotlou jo lq41 R snq aamoaaog mown 1SUU p Aland am 10 spaaooad snoattuiposry i 10m0110g SOMO 1u111 'laud patgl aqr sueoux „Ai nd 3uasoddp„ 'anp uagl mu -TO aaglaqm luatutulsui Alunoas sup Xq pamoas stuns am 01 10 X1a0d0ad agl Jo atndaa a0 U011ea01saa 01 aaglaa spaaooad snoaUeuaosm am Aiidde pun roaiioo 01 pazuoglne Si a°pua-i `uant5 Si ao110U am amp am aaljn sAup OE utgl[m aapua' o1 puodsai o1 spuj aamoaaog `sanulnp aoj tulup 1 mills o1 plump un 031E111 01 SJ°JJO (aoualuas IXQU aq1 ut pautjap sn) X1and gulsoddp aql 1pg1 aamoaaog of aapua-i Aq aouou nip `3t ao `aamoaaog Xq pauopuequ sl Alaadoad alit 3i anp uagl an sums am lot a0 aaglaqm luatunalsui'Claan0as sup 4 pamoas sutras am 01 potiddn aq pegs spaaooad snoaumiaospni 0ql `$utltam ut aaa5u astnuaglo aapuOZ pun aamoaaog ssaiun `anitin ua sSOJ ao `uotlonalsap `2upipl ietiapd ag1 mpg 'Cialntpatutul pamoas stuns aq1 jo IUnoure alit unlit ssai sl amnn ut ssoi a0 `uollonalsap Tuplul iptiand aq1 aaojaq iiialnapatuun Ilaadoad am 3o amen 1a)iaptu aim am gmgm ut Alaadoad ag1 jo amen ut SSOJ 10 `uotl0nalsap !ratted p 30 loan am ui •aamoaaog 01 pled aq sings aouep q ,Cud amen ut ssoi ao `uo10nalsap pplud ag1 aaojaq 1 lalptpa t Suadoad alp 3o =Tun 1a)iauut atn3 app (q) papinap ampn ut SSOJ 10 `uouonalsap `5upp1 pntund alp aaojaq iClalutpaututt paanoas stuns atil Jo lunoum ip1o1 ag1 (e) :uopoup 5utmoir03 am /Cq palidtlinut spaaooad snoaun100Sm alit jo 1Unoutn am 4 pampa! aq hugs luatunalsui ,Cltanoas sup 4 pamoas stuns alp &ufum UI 0015'E asimaagio aapun i pup aamoaaog ssajun `amen 211 ssoj 10 `uoU0nalsap `�ua)ipi lupiud am aaojaq AlalnapaUntn IUODUtulsui Allm0as sup Sq pamoas sums am Jo lunottn 0141 upgl aalpaa$ 10 01 imnb° st awn ut ssoi 10 `uotlotulsap `;iut)ipl intlaed am aaojaq /ciamntpamul! ALtadoad am 3o anfun 1a)IIRUi atlJ am g0tgm ua Auadoad ag1 Jo amen ut ssoi JO `uoalotulsap mind p 30 loan° aril 21 1 °aamoaaog 01 peed `Atm 3t `ssaoxa alp gram `anp uagl lot 10 aaglaqm luaumalsui 4an0aS sags Xq pamoas stuns alit 01 middy aq Tugs spaaooad sn0aueu00sti^a ag1 `,Cuadoad 0111 Jo amen ut ssoi 10 `uo!Pnalsap `5ut3ael iu101 p 30 loam ag1 uj °Z uotloas 211 00J paptnoad aapao am ut_ patiddE aq Bugs small,' snoaueuaosm lions •aamoaaog o1 mud 3t `ssaoxa am gram `anp uagl 1021 ao aatilagm Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. 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 Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the 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 the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; 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 the principal owed under the 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 the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address 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, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument 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 might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable 6A(WY) (9905) 106a lOwy .0899 Page 10 of 15 35271957 [1951554] Form 3051 3/99 66/£ 150£ WAO j 5l 4 t l abed 1175565611 L961LZ5£ T 668 AMI I e901 (9066) (AM)V9- ddSg 1 uoptuuojut .iaglo ,iue put aptui aq pings siuo.uX d tiottlm of ssazppt alp `zaotnzas uto-I mau agi 3o ssazppu put aumu ag1 alms 'pm gopim a2utgo am Jo 003011 ualium ua/0 aq 'um zamozzog `za0pt.Ias utog agp 3o amp u st 0.101I1 ji •a1oN agi Jo atRs t 01 pareiazun =Inns uto-1 0141 3o sa5tlego azotu 10 0110 aq iqpui osit Wall, m11Z aiquoiddd put luautnllsul Auznoas sup `aloft 0141 zapun suotpatigo 2uloiuos mot a2e5uout zampo suuojzad pue puaulnzpsul ,(tunas sup put apoN aq1 zapun anp sivauthd Otpouad maim tutu zaotnzas uuoj„ agi s11 whom!) Aitiva agp ui a3utgo 11 uT linsaz 1ggtuz airs d •zamozzog 01 aotlou zoud lnogptm satup 010111 JO auo Nos aq uto (luau uisul Altznoas sup gum zagla &ol) alotq am ut 1saza1111 itt1zed 11 10 WON aqy •aauenaia fJ JO nOI;olsl :aaolnzaS utoZ JO 9 Utl3 :a;oN JO aI' S OZ g i uopoas zapun uotltzataoot jo MO ail 111 Aiddt 1ou Hugs altlsutaz 01 1q41 sup `.10A0/MOH "pazzn000 putt uoptzaiaoot 011 31 SE anp30JJ0 Ill113 Ut11ulaz bugs ,(gazaq paznoas suotlt3iigo put luatunzlsul Allmon sup `zamozzog riq puatuapelsutaz uodn •zaJsut1Z spung otuozioaig (p) zo Ap11Ua JO Xitiuluautru1SUI `Aoua2u ttzapaj t Xq paznsuT azt splsodap asogm uopnlpsuT ut uodn umtzp st voila ions Aug papinozd `zloago s,zatgsto JO 313010 s,zaznst:azl Vago lutq ',paw patjpzao (o) `zapzo Aauout (q) 'gm (u) :zapua-i Xq paloatas sr `sutzoj guimollo3 0141 jo a1OW11 .10 auo u1 sasuadxa put sums puatualtlsulaz lions ,Cud zamozzog itgl aztnbaz Attu zapua •paut:goun anupuoo hugs `luatutulsuI Apunoas s!g1 Aq paznoaS sums agp hd o1 uou ijgo s,zamozzog put `luatunzlsui ,Cptznoas sup zapun s1145iz put ,Cuadozd ail 111 ma'am! s,zapuaJ m141 aznsst 01 azinbaz iitquuostaz Attu zapuael st uo1lou ions sa3i111 (p) put `.luatutulsul Ap11n3as sup zapun sigku put filmdom ail III Isazalu! s,zapua upoolozd jo asodznd ail zo; pazznom saa3 zaglo put `spa; uoptnien put uopoadsui i(uadozd `saaj ,s,iatuout aig11uostaz `01 pauuuH you lnq `guipntoui luaunuisul MuznOas sup gutozojua ut pazznout sasuadxa lit s,itd (o) :S1U0W00zge 10 s1Ueuan0O zaglo Cut jo linujap A(ut sazno (q) :pazznOOO pug uotltzaiaoOt ou 3T st 01oN alp put 111atututs I Auznoas sup zapun anp aq mom uagl 140114m sums tit zapuaq shd (t) :zamozzog MT 01t suotupuoo asoq. •luatunzlsUI I(lunOas sup 2UT3zojua puatu5pn[ t 30 /Ulna (111) 10 :01111SU1az o1 10p s,zamozzog 3o uo11tu1tu1al 0141 zo3 ApOads 1g51ut me-1 atgeoiddy st poled za1410 lions (II) `.luaulnzlsul Xlpnoas sup uT p0UU 1UoO ales 3o zamod Cut 01 lutnsznd Xuadozd ag1jo alts azojaq s,Ctp anti (i) :Jo 1sa11zua agp 01 zopd amp ,itm 1e panupuoOSIp puatunzlsul 1lunoas sup Jo 1UatU0ozoJua snug 01 1g$u a141 anti Hugs IOMOJIOH `suopipuoo uttlzao 5100111 10M0110g Ji •uoileaa1aoaV za ;3/ 03 1$Upg 01 Ig2ra s,zamozzog •6T •z0mozz0g 110 puttuap zo aopou zagun3 lnogptm puaturulsul AuznO0s sup (q pauttuzad satpawaz Cut a3ionui Attu zapuaq `popad sup jo uotlendxa agp 01 zotzd stuns asa14p 1Ctd 01 silt zamozzog JI •luatutulsul 1ilpnoas sup ,(q paznoas stuns IN Atd psntu zamozzog goigm utgpim St uopoas tptm aouepz000t ut uant$ st 0011011 0141 amp ag1 u1ozj s'Ctp OE utgl ssai 1011 JO popad 11 apinozd Begs 0011011 0 14J. •uotltzalaooe JO 00901.1 zamozzog anT2 Hugs zapual `uopdo sup saslozaxa zapua7 JI me! imam ,Cq paugigozd s1 asIOZaxa gaps 3t zapua-I Aq pasIOZaxa aq 1011 Httis uopdo sup `zanamoH •luatululsul X1pnOas sup i(q paznoas sums il11 jo lin3 ui 1U01U1Ctd aluipo1iImi aiinbaz Attu zapua-I `luasuoo uapppm zo!zd s,zapuai 1UO14pim (pazza4suuzl zo plos 51 zamozzog 111 1S01011.1t ttio1Jauaq t put uoszad 111zn111u t you st zamozzog 3t zo) pazaaJsutzl zo pios si Xuadozd 0141 111 isazalul Atm 10 X(110d0zd 0141 JO utd Aug 110 iI11 •zastgoznd 11 01 amp aznpni t it zamozzog i(q app Jo zaJsutzl ail Si ttown jo maim am `luatuaaz2t mama 10 PPtz1uo3 salts luatuHilsut 'pap zoJ 101111uo0 'pap zoj puoq t 114 pazzaJsutzl maim! ieiotjauaq asogp `01 pa1im lou pnq `Wutpnioui `Xuadozd 0141 111 lsazalui itiogauaq 110 41201 CUE sutaut „Alzadozd am U! 3S0zalul„ `lit U0IIOas sup ut pasn sy •aamoaaog UT ;sala ;uI Iela13auag u ao Rlaadoad all Jo aaJsu1,z1, •81 •luatutupsul 1iuzn0as sup Jo put aloN 0141 JO &doo auo uan12 aq Ht14s zamozzog •,idop manto.uog •Li •uot101 Aiut 03[111 01 uotl11S1igo Aug lnogptm 11011010514) a40S san15 „Autu„ mom am pug `11S10A a01A put ieznid 0141 apni0ut put tl11aut iit14s imams a141 Ui spzom (z) `zapuag 0UIUAUaJ ail Jo spzom 10 spzom zalnau 2uipuodsazzoo apniouT put titan' !tugs zapuag auIinOS1UI 0143 Jo spzom (I) :luatltulsui Allmon sup 111 pasn sy •uo1sTnozd gupO14Ju03 agi lnogptm p0a33a uan12 aq 11113 140NNm 010N 0143 10 puaulnzpsuI 4z11°3S Slip Jo SUOISInozd 101410 poa ;311 you Htgs IOlpuoO got' `mei T 1 2 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(s) 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: (1) "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; (2) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (3) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law and (4) 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 (1) that is in violation of any Environmental Law, (2) which creates an Environmental Condition or (3) 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 (1) 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; (2) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (3) 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 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. (SD-6A(WY) (9905) 106a12wy.0899 Page 12 of 15 Initial��f{ 35271957 [19515541 Form 3051 3/99 661£ L90£ wioj [V99L96L1 L96LLZ9E >slenlul 9 L ;o E L abed 6680' GSM I E90I (2066) (AM)y9 lututoAmjo sntel uouldutaxa psalsomoq aq1 jo anlztn Aq pue iapun slg2u IIe santuM pue saseatai .10MOZi0g •&1 p 'pZ .Mel algnogqddd iapun pautuuad st aaj alp jo 2utazugo agl pun pomp= sootnzas .io3 ,Sized pitgl n o1 ptud st aa3 ag1 dt S uo mg `luawiu sul Slunoas sup 2utseaiaz zoj aaj n nntollog amp Stem'opuarl •slsoo uouep.iooa.z Sue /cud Neils io tozzog •luaunulsul Sl sup amp.' Begs zapual `luau a sul klunoas sup sq paznoas sums Its ;o luawad uodn •aseaIau '£Z ;l o; paimua suosaad JO uosaad aq 01 ssaaxa Sue (J) pue :;uawnalsul ,f;tanaas stn fq paanaas sums He 01 (q) :saaj ,s,fauaouu a1geuoseaa '01 pa ;ttull ;ou ;nq '2ulpnpul ales aq; jo sasuadxa lie o; (e) :aapao 2ul,nollo; aq; ul paildde aq Hugs ales aq; jo spaaaoad aqs, .ales Sue ;g ,Spadoad aq; asegaand ,Seat aau2lsap s ;l ao aapua-I •nuri algeallddy £q paglaasaad aauuetu aq; It; Nos aq iiggs ,f;.tadoad aq; pun 'ales jo aal;ou aq; gsllgnd Hugs aapuarl 'SI uol ;aas ul paprnoad aauugtu aq; ul aa,uoaaog o; ales aq; 3o aal;ou anl2 liegs aapuag •eterl algealiddy tow. aauepao33u ul ;uaaal31P 3l qyiadoad aq; jo uoissassod ul uosaad aq; o; pug aa,uoaaog o; asolaaao3 0; ;ua;ul JO aal ;0u anlil pegs aapuarl 'ales JO aaMod aq; sa)ionul aapua7 3I •a3uapina a111; jo s;soa pug saaj ,s,fauao; ;e algeuoseaa '0; pa;;wll ;ou ;nq '5urpnpul 'ZZ not ;aas sup ti; paptnoad salpatuaa aq; ulnsand ut paaanaul sasuadxa lie ;aaiioa o; pal ;l;ua aq 'legs aapua7 •A1g'I aigealiddy pa ;Ituaad salpaucaa aaq ;o Sue pug ales jo aamod aq; alonul Sem pun puetuap aaq;an; ;nog;pM ;uauma;sul ,f ;lamas slq; RI comas stuns Hu jo Hui ul ;uaw,fed a;etpawwl aainbaa ,few uol ;do s ;l ;e aapual 'aal ;ou aq; ui pallpads a ;up aq; aaojaq ao uo paana ;ou sl ;IneJap aq; 3I •ales pue uol;eaa'aoog o; aa,uoaaog 3o asuajap aaq ;o Sue ao ;inejap e jo aaua;slxa -uou aq; laasse o; uol ;au ;.anon u &laq o; ;Oa aq; pug uol;eaalaaae as ;3e a ;e;sulaa o; ;Op aq; ;o aaetoaaog tamp; aag;an3 hugs aal ;ou aq •Spadoad aq; 3o ales pun ;uawna;sul ,f;tanaas stq; ,fq paanaas stuns aq; Jo uo1;eaala338 ut ;Insaa Setu aal;ou aq; ut palllaads am; aq; aaojaq ao uo ;Inejap aq; aana o; aanpg3 leg; (p) pug :paana aq ;mu ;IneJap aq; gamin Aq 'aaMOaaog o; uani2 sl aa►;ou aq; a ;up aq; tuoa3 step 0£ ueq; ssal ;ou 'am) a (a) :;ineJap aq; aana o; paambaa uol ;ae aq; (q) .;Inejap aq; (e) :Sjlaads i'ggs aai;ou aqs •(aspftaaq ;o sapinoad Ater; alquatlddy ssaiun gI uol ;aas aapun uol;gaalaaae o; aotad ;ou ;nq) ;uautna;sul ,f ;lamas sup ut ;uatuaaa u ao ;ueuanoa Sue jo gauaaq s iluletolloj uol;gaaiaaae o; aolad aaet0a1011 01 aot;ou anl2 hugs aapua-I •salpatuau :uoi;eaalaaay •ZZ 2 J. :sMOIIo3 se aaage pus 111suan03 zaglznj aapua pue Jontauog 'SINVN3A00 IARIOdINf1 NON Plo Witnesses: CD-6A(WY) (9905) 106a14wy.0899 Page 14 of 15 6.1`T BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. 1 (Seal) LANCE MCYOUNG Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower 35271957 [1951554) Form 3051 3/99 66/£ 160£ wuoj [7991961] LS6ILZSE :ss Slump uol ei ,t 9 L JO S L a6ed 6680 K^'SIE90I (90661 (AMId9- ZOOZ `9Z 'qa, :saztdx3 uotsstutuioj ,cy� sHnoxOw RaNvri Xq 000Z `aaguraoac j dS lsi stun aut azojaq papainnoupu sung luauinzlsut auto azoj aqy `ONH NOAM 30 a,LV,LS ttlli I, l.I1 •iiN1700 MORTGAGE INSURANCE RIDER This Mortgage Insurance Rider is made this 29th day of November 2000 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument of the same date given by the undersigned "Borrower to secure Borrower's FIXED RATE NOTE [identify type of note, e.g. fixed rate] note (the "Note to OLI) KENT MORTGAGE COMPANY described in the Security Instrument and located at: 491 CLARK LANE COUNTY ROAD #115, ETNA, WY 83118 [Property Address] Multistate Mortgage Insurance Rider Single Family.Fannie Mae uniform Instrument 10-11R (0004) Form 3160 4 /00 Page 1 of 3 Initials: Yl VMP MORTGAGE FORMS (800)521 -7291 1011r1.0800 "Lender of the same date and covering the Property The Security Instrument is amended by adding the following at the end of Section 10 (if the Security Instrument has a form date at the lower right corner of 3/99 or later) or Section 8 (if the Security Instrument has a form date at the lower right corner that is earlier than 3/99): 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 11 35271957 (19515541 11 11 1 1 1 1 It 11 00 /17 091E W1Uj to Z a6ed I17s9156L1 L961LZSE ',I9 0080' ZI I I0I •uol;euiwaa; ao uo; ;uiiaauea gaps jo awl; aq; ;e pauaeaun anAt ;et; smniuiaad aaueansuI asespoy%i £ue Jo punpaa a an!aaaa 03 lo /pue ',s[[ea!;ewo ;ne pa;eu[uraa; aaueansuI asespojAi aq; aeeq o; 'aaueansuI asespoyti aq; jo uol;eipauea uie;go pue ;sanbaa 03 'saansopsip uppaa aniaaaa o; ;Oa aq; apnpul few swap asatu •Mei aaq ;o £U .10 8661 Jo ;av uol;aa ;oad saauMOawog aq; aapun aaueansuI aespojAi aq; o; padsaa q ;IM Aue 3I seq aaMoaaog s ;OIa aq; ;oa33e ;ou IUM s;uawaaAe gaps ,fuv (t000) a L L 1 (g) •punpaa Lull o; aaMoaaog aill ;ua ;ou mitt ,fatII pue 'aaueansuI au;IpojAT aoj auo 111M aaMoaaog ;unowe aq; asuaaaw ;ou ❑IM s;uawaaaae goes •uuo'I aq; 3o stun; aaq ;o £ue .10 'aaueansuI a2u2poitJ aoj /fed o; paaase suq aaMoaaog let; S;unowe aq; ;aa3ju ;ou IIIM s ;uawaaase galls (v) :aagund „•aouzinsutau anludeo„ mum uaijo s! luauuagueiae agl `iainsui agl of pied suuntuuaid ag1 jo antis .uoj asuegoxa ui 3isu s,ia.znsui agl jo anus a swirl npull jo aluq ju ue legl sapinoid luauuaai r Bons 3i •sassoi uionpau 10 `3islu th ern �t•.p LANCE MCYOUNG By signing below, Borrower accepts this Mortgage Insurance Rider and agrees that it amends and supplements the Security Instrument. (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (®11R (0004) 1011r3.0800 (Seal) (Seal) Borrower Borrower Page 3 of 3 Form 3160 4/00 35271957 [19515541 6 L EXHIBIT "A" A tract of land which is part of the Southeast quarter of the Southwest quarter of Section 23, Township 35 North, Range 119 West of the Sixth Principal Meridian, the boundaries thereof being more particularly described as follows: 6 Beginning at a point which is North 89 degrees 47'30" West a distance of 2642.38 feet more or less, from the Southeast corner of said Section 23; and running thence North 89 degrees 48'10" West along County right -of -way boundary a distance of 208.71 feet; thence South 89 degrees 48'10" East a distance of 208.71 feet; thence South 0 degrees 0'50" West a distance of 208.71 feet to the point of beginning.