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Return To: OLD KENT MORTGAGE COMPANY ATTN: FINAL DOCUMENTATIONf(JQ2� P.O. BOX 204 d GRAND RAPIDS, MI 49502 -0$11 9 2 4 8 Prepared By: ("rot RELEASE p This Mortgage itgairfa E17&AtE3 OLD KENT MORTGAGE COMPANY 7310 NORTH 16TH STREET SUITE 300 PHOENIX, AZ 85020 -5256 Loan No. DEFINITIONS 35265353 [1947534] [Space Above This Line For Recording Data] MORTGAGE VMP MORTGAGE FORMS 1800)521 -7291 106a01wy.0899 RECEIVED 00 OCT 24 F 0 JEAN l`s :;I`' ER 13001454 PR PAGE 6 4 MIN 1000142 1014007155 3 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 Oc tober 5th, 2000 together with all Riders to this document. (B) "Borrower" is DON FISHER AND LYNN FISHER, HUSBAND AND WIFE 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 -6A(WY) (9905) Page 1 of 15 Initials: 1 111 11 11 66 /E LSO£ WJod tb£9Lt6L1 £9£9929 g L )o z e8ed 6680 'VdS3)1 Japun „treoj a2u2notU pomp.' ,Cjieaapa3 „use ,C;tjenb 1ou saop ueol ail J! uana „ueoi aSESuouI palejai lCjiezapaj„ a 03 pn2a1 ut pasodtut Olt legs suopaplsai pue sluatuounbaI He 03 saa;al N VdSaaN luaum1lsui �Clt anoos sup ui pasn sy •Jauetu 33afgns awes am SUJanoa let1l uot1Ejn2a1 Jo uopelstsaj JossaoOns 10 jEuotl1ppe ,Ctre 10 'atU 01 aunt U1oi; papuaule aq 1g3uu ,Caul se `(00S£ 1 d '21'TO bz) x uopujnsau `uonejnSai Supuautajdtut slt pue (•bas 1a 109Z uotloaS •Y•S'fl zT) 13y saznpaooid luatUalllas a1E1sg luau ail sueatu „ddSaTh (d) •1uatunnsui Alunoas sup jo uotloaS Japun slunoure ,Cut (z) snjd 'aloN 0111 Japun lsazalut pue jjdtoutad (j) Jo; anp lunoure pajnpaios ,CUeJn2a1 am sueatu „luatuSed ojpoiaad„ (0) •11e0'1 0111 'uo ijnepap Jo ;o luatu,Ceduou aril lsute8e Japua7 Supoaload 00ueansut stream „aoueinsui a2g2iioN„ (-.j) aljl ;O uotltpuoo 10 /pUE anjen 01(1 '01 SE SUOISSituo 10 'JO suotleluasaadaastut (At) 10 uotleutuapuoo JO nail ut 03Ue,C0n1103 (111) ',ivado1d ail ;0 1.1ud )CUE 10 TIE JO 811t))E1 Jaglo 10 uopeuU1apuoO (tt) ',CUado1d am ;o uotlonalsap 10 '03 aSeutep (t) Jo; (g uotloaS ut paquosap sa2E.1anoo ail Japun mud spaaooad aouEansut uet11 Jatjlo) ,Cud path ,Cue ,fq pled spaaaoad Jo `sa!Etuep ;o prim 'luaulajuas 'uotlesuaduloo ,Cue sueatu „spaa30ad snoauejlaosjilL, (isiJ uopoas uj paquosap aJE 1E111 stua)t asogl ueatu „mall ntoaasa„ (Z) •saa}sueal asnogupeaj3 paletuolne pue `saa ;stre1l aatm `auoidaial Cq pa1eptut saaJsu1a1 `suotloesueal autioetu Jajjal palgUIolne `saajsueal ales- ;o -lutod 'ol palttutj lot st lnq `sapniom uual lions •lun000e ue ltpaao JO ltgap o1 uopnitlsut iEtotreug a aztaotjmg 10 '3OnJlsut '10p10 01 se os adel Otlauseut Jo 'Jalndtuoa luaumllsui otuogda1al `jeutttual 3!U0.113313 Ue g;inoatf pa2Ep3ut Sj 11031m luatutulSut Jaded Jejtuns 10 `1;EJp '3P3a43 ,Cq paleutBpo uop3usue1l u uegl aatllo `spun; ;o aajsueal ,Cue sueatu „aa;sueaL spund ojuoa ;oaig„ (g) •U011eZ!Ue8JO Jejituls 10 U011u1O0SSe saaUm001110g '11011E100SSE umtuttuopuoo e Aq ,CuadoId am Jo JomoIaog uo pasodtut on Imp saSJego Jatpo pue s1Uautssasse `saa; `soup He SUEatu „s ;uau1ssassy pue sand 'sang not ;utoossd Smuntuutop„ (r) •suotutdo jgtotpnf ajgejeadde -uou 'pug ajquotjdde He se Ham SE (MEj ;o 13a; ;a ail aneg 1Eg1) SJ011 pue sairu anpeJlstuttupe pue sa3UEUtpao `suouejnsai 'swims wool pug alels 'jeaapa; ajgeotjdde Sugjonuoo jjE steam „Awl aiquotjddy„ (1) k9 [i loads] (s)Jatjlp 1 Japtu luaW,ied Aploamtg JaPiiI VA Japtu Al!ule3 y -j 1 I Japtu luatldojanaQ ltufi pauugjd I Japtu uooiieg Japtu a2Eu aigElsnfpy n Jam atuog pumas n Jam umtuttuopuop 00E ssins NYDIHOIN ,30 (50661 (AM)V9- [ajquotidde se xoq 3130go] IOMOJJOg Cg pamOaxa aq 03 an saapp Sutmoljo; 0141 •aamoJJOg ,Cq pamoaxa an nip luatunJlsui ,ivanaas sup 01 saapu He steam „saapju„ (H) •lsaaalut snjd 'luatun1lsui ,iltJnaas sup Japun anp stuns He pue '330N ail Japun anp saSJegO 33g1 pue saSJeio mauz,cEdaid Aue Isamu snjd 'aloN ail ,Cq pa3uaptna 1gap ail sue= „ueo•i„ (0) „•i(uado1d ail ut s1 ;o Ja;sueas„ Sutpgag Jul Japun mojaq paquosap st 1Eg1 Cuadoad am sum „41adoad„ (d) 0 0 Z T zegtuaeoH mill Jam pm iin3 ut Nolo 0141 ,Cud of pug sluaul,Ced Otpopad Jujngoi ut Nap mil ,Cud 01 pasttuoad sgi Jamo1JOg lsaaalut snjd 0 0 0 9 6v Z S' fl) SJejjoQ 00T/OX Pug asxatuiH XIS aMKSnOHS mix-Lima amMf1H OMZ aapu3Z samo Jamo1JOg 1Eil salels aloN a4J 00 o Z S zegc400 palEp pug Jamo1JOg ,Cq pap alou ,SJOSStuioad 3111 sue= „aloN„ (g) OZOS8 ZY 'XINHOHa 1 Z2H2tSS HS9T }LIMN OT EL. st ssaappe s,Japua1 3.1,y1,9 2HS ;o smej 3141 Japun Sutlstxa put paztueato NOI.I.Y110d1100 NYDIHOIW E si JapuaI xxvaklOa HDB0S21OWW .NZX ago st „aapual„ (Q) OSi9 r8 648 (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. TRANSFER OF RIGHTS IN THE PROPERTY 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] LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF. Parcel ID Number: 12-34191520020100 which currently has the address of 1873 COUNTY ROAD 125 [Street] THAYNE [City] Wyoming 83127- [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. ®6A(WY) m99os) 106a03wy.0899 Page 3 of 15 5265353 [1947534] Form 3051 3/99 66/E LSOE wand 1b£9Lb6L1 £9£99Z9£ 9179 :slellNl 9 t to q eCed 6680'XMtOE901 (9066) (AM)y9-CD slunoure agl `a14e,Ced aiagnt pus uatm `,ipoaztp ,Crd Huts 10m0z1og 'Jantem tons ;o iron ag1 tI •Suptim U1 aq Xluo ,tgul zantRM lions ,fry 'amp Are lg swat' mozosa 11e .10 Are zo; spund zapuai 01 ,(ed o1 uopuSUlgo S,z0M0110g On!EM ,(uUI zapual 'swat' mama Ire .10 Cu ,u zo; spund am ,fed of uotle$tlgo s,zamozzog san1VM zapual ssalun small M0.13S3 10; spund am aapuaj ,(ed llegs zamozzog •uopoas sup zapun pled aq 01 siunoule ;o saopou !!s zapua7 o1 gsluzn; ,Cpdurozd llegs iamozzog •U1all Mozosg uu aq lists sluauissasse pre saa; 'soup Bons pue `zam0zzog ,iq pamozosa aq `,Cur Jr `sluauzssassy pue saad `sang uopepossy ,(ltunuluuo0 1gg1 aitnbaz Amu zapual `ueo•l aql jo uual am 2uunp aulp Are 1E .zo UOIIVUikio 1y stuaq Moaosg„ palleo ate SUI011 asagy •01 uouoas ;o suotstnoid at1 g1IM a0U 10ooe uz sulntuiazd 03uuinsul a8g2uoyt! jo luaurhd am jo nail III aapua o1 10M0.1.10g ,Cq alge,(ed sums ,ire ao `,Cue `smntulazd aoueznsul ae;IuoyQ (p) pus s uotloas .lapun zapuaj ,iq paiinbaz aoueznsu! Ile pug ,(ug zo; sumtuIazd (o) :Are p `,(uadozd am uo drat punoz2 JO sluamhd plotaseal (q) :,(uadozd agl uo aoUezqurnoua z0 u0!! sr luaTUnalsuj 'Clulnoas sup zano ,iltz0tad utelle 11E3 gOigm sum! aaglo puu s2uaUlssasse pus saxul CO :.10; anp slunoure ;o luaul,(ed zo; aptnozd o1 „spund„ aql) urns g `jln; ut pled s! alobl alp 111un `aloN aql aapun anp ate sluauz,(ed otpot.rad ,Cep at1 uo zapuai of ad imp zaMOZZOg 'slum Atoaasa ao; spung •slualu,Ced otpoTZad agl ;o lunouze at1 aBuggo JO 'algp anp alp auodlsod JO puma lou Hegs aloN am zapun anp ludtouud of spaaoozd snoaugllaOS1Jk .10 `spaaoozd aouuznsut `sluauz,Ced ;o uopeolldde ,fuy •al0N agl ut pagposap se uagl pue saazugo luaul,iedazd Aug o3 lsz1,; patlddg aq !lugs maul/Wald X.IglunIOA •anp sa8zuto ale! ,flu Ol paHddg aq ,fETU ssaoxa Irons `s1UauW/ d Otpopad worn zo ago Jo luacu,Ced !!n; agl o1 patlddg s! luaut,(ed aql za1 ;e slstxa ssaoxa Cu e 1eg1mom am oy IIn3 ut pled aq ueo luaul,(gd goua Teti mom agl 01 pue sivaut,Ced otpouad agl jo luaul,fedaz at1 o1 aamozzog uzoi; panlaoaz luauz,(ud Aug ,ilddl Ague zapuaJ iulpuelslno s! IUaUI,ied otpouad auo uutl azoUI 31 •a2zego alt! am pue 1uatuAed luanbutlap aql of patlddg aq hut luatuAd aIrl `anp agnnIro ale! Are ,fed 01 tunome luatot ;ns u sapnpU! gOlgM 1uaUl,fud otpouad luanbutlap g zo; zamozz0g U1oz; 1uatuSed E sanPOaz zapuoi 3I •a1oN ammo aoueleq ledpupd am aonpaz of uatl pue `luaunulsul ,(ltznoas sup zapun anp sumo= zaglo ,Cur o1 pu032s `saaiego ale! o3 1szl; patlddu aq !legs SlunOUle &must az ,(uy anp auleoaq 1! gOtgm u! .Iapao agl u! luaUJ,Ced otpouad limo o1 patldde aq Hugs sluam,Cud tons uotloas zapun anp slunoUJ :a301`I alp zapun anp Iudtouud (z) `.a10N aql zapun anp lsazalut :Altzopd ;o Jam 2u!Mollo; at1 ut patldds aq Vets zapuai ,(q patlddu pue paldaome slug a Ced !te `z uotloas sup ur paquosap asuMZatlo se ldaoxg •spaaooad .10 s;uaul,fed jo uolleallddy •z luauTn.11su1 Allmon sup dq paznoas sluaulaaz3e pre s1USUano3 aq1 2utuzao ;tad z0 IUOtUIulsul 'iluf3as sup pre a10N agl iapun anp sluaUI,isd 2ut)leuz U1oij zaMO.uog anatla•T !legs zapua^l lsuteh aznln; ag1 ut .I0 Mou anug 2ij UI Jo/mama LIOttM ultgp JO 10s ;o ON •aznsojOazo; 01 zotzd ,ClaletpaurU1r aloN all .Iapun aoueleq 1ediouud SutpUelsln0 am 0l middy aq !pm spun; lions 'Jag.= patlddu tot' ;l •zamozzog o1 mall uzntaz JO spin!; tons ,Clddu zatlpa !lugs zapual `aura ;o potiad algsuossaz u utgljM os op loll sop .IaM0110H ;I •luazzno uuo'l agl &Itzq o1 (s)luaw,Ced saNeul 1 M0zzog 1Pun spun; patlddeun Irons plot ABUT zapuarl •spun; patlddeun uo lsazalu! ,(rd 30U paau zapuaj uagl 'alep anp palnpa4OS sit jo se patlddg Si mouth,' otpouad goua ;I •paldaooe ate s1uaU1,(ed Bons auIl1 alp le sluaut,igd lions Alddg o1 palg2tlgo tau sr zapuarl lnq 'mum aq1 u! s2uaU1,(ed lepxed .10 (s)luatuAd lions asn;az o1 mpg s3! 01 aolpnfaId 10 .zapunazaq s2Lj U ,Cue ;o zanleM lnogl!M 'luazzno ueorl all Suuq at 1ua!O1J ;nsut (s)luaurhd !slued Jo (s)luai.0 d ,Cut 1daOOU Amu zapuaJ 1uai n° Ueo1 ag1 2utzq of 1ua!OIJJnsut aze sluaur,Cud letuud JO (s)1112111 d ag1 (s)luautArd !ruled JO (s)l110111 ed ,flu lama' but zapual •Sr uotloas u! suotslnozd aotlou alp g1lM aouepz000g ut zapua'I ,iq paleuSUsap aq Aux se u0tlgOO! zaglo tons lg .10 aloN alp TIT paleuBtsap uotleoo! alp 1e pantaOaz uatlM zapuai ,iq pantaoaz pauraap ate S1uaul,ied •za ;suety spund Otuoz2Oalg (p) JO X111113 .JO `41u11101.1111z1sut `A3UO2e le1apa; u ,Cq painsur ate sitsodap asogm uollnitlsut ug uodn uMSap st Noatp Bons ,Cue paptnozd `rago s,latgseo .I0 pogo mamma Vatp 3lueq 'rago paw= (o) 'zapzo ,iauour (q) `Iseo (e) :.Iapua-I ,(q pal°ajas se 'sum; SUTmo!!o; alp ;o 0z0W JO OLIO u1 alma aq 3uaU1nzlsul 1!znoas sup pre OIoN ag1 zapun anp s1uaur,Ced luanbasgns !!e z0 ,Cue 1e111 aztnbaz Agin .Iapuai `ptedun zapuarl of pauzn2al Si 1uau1n.11suI Alums sup z0 4101,1 aql zapun luaUi,ied sg .Iapuoi ,iq pap= luaunu3sm zag3o JO ))OaTO ,Cur ;t `.Ianamoll •,COUazzn3 •S• f1 ur apeuI aq !legs luauInllsul ,ilufOas sup pug a10N aq1 zapun anp swam/fed uopoos o1 lugnsznd small Mozosg .Ioj spun; ,{lid Osjr Vets zamozzog •a10N ag1 zapun anp sazug° awl pus sa3zego 3uaul,Cedazd ,fug pug a10N all ,Cq paOUapina !gap ag1 `uo lsazalu! pus ;o Wdtoutzd am anp uagM Ad !legs zamozzog •sagaeg, a ;e-I pre 'Sa2aego ;uatuSedaad 'slug ;l moJOSa 'Isaaa;ui 'ledlaulad jo ;rain fed I :SMO1to; se aaBe pus 2Ug113AO3 zapuai pus 10M0.1.10 g 'S.LAIVNaAOJ Y'RIOdINfl qttzGrIgo r 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 Initials: 656 35265353 [19475341 Form 3051 3/99 661£ LSOE awl [tE9Lb6L1 £9£99Z9E 1 59 xle11N1 9 L to 9 e8ed 6680' x^+90 19066) (AM)V9- q tM `anp uatp 1ou JO xa111a11M `1Uatunzlsul A1tmoas sup i(q paxnoas stuns am o1 patjddr aq jjEgs spaaooxd aouEinsu! atp `pauassa! aq mom Xllxnoas s,zapua-I JO 2jgtsea; IIre3lt11011030 1ou si xredaz 10 uollExolsaz 2111 3I 'x2M0xx0g ;o uopesggo ajos atil aq IIEgs puE spaaooxd aouExnsut atll ;o lno p!Ed aq 10U TITS zamozzog ,Cq paurelaz 'sound min xa1110 JO `szalsnfpu oclgnd zo; saad •spaaooxd tons uo ssuluxua JO 1s0z21u! Aue zamozzog ,ied o1 paztnbax aq 1011 Hugs xapua- `spaaooxd 2oumxnsut lions uo pled aq of Isazalu! saxtnbaz mE- alquotjddy _to Sullum ui aputu sl luatuaaiSe uE ssalun •palaldtuoo st 3jxoM all su sluaturCEd ssax8oxd ;o sagas u ui zo luatuiced ajsuis u ut uojlvolsax puu sxredaz 2111 zo; spaaooxd aszngstp Cum xapua- •Ajldtuozd umareuapun aq IIEgs uonoadsu! lions 1utp paptnozd 'uotloE;stles s,zapu2- o1 palajdtuoo uaaq set! 31zom 2141 amsua 01 ,Cuadozd lions loadsut o1 Altunuoddo try pEtj sEq xapua- !pun spaaooxd aourinsut lions moll o1111S!1 2111 anEq Ilegs xapua- `potzad uo!1Exolsaz pug xredax lions $utxm( •pauassaj 10U s! iillxn3as s,xapu2- puu ajglsua; i(jreottuouoo2 s! ziudax .10 uot1Exolsaz 2111;! `iivadozd 2111 ;o ziEdax JO UO11e101501 o1 paijddu aq imp `xapua- Aq paxtnbaz sum aOUexnsu! 2UIIijxapun mu IOU JO xa111a11M `spaaooxd aOuExnsut Ifue 'SuUtzm ut aa1Se aslmxatuo xamozxog puE IOpua- ssajun •xamoxxog ,Cq Xpdtuoxd aprtu 1011 ;t sso! 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Xlinba s,xamozxog '10M0xx0g 10010xd mu 11121Ut JO 11121111 lnq `xapua- zanoO !IE11s arlanoo tinns `azo;aza11Z •asgxanoO ;o lunotug JO 0diC1 zglnOlugd Auu asgto1nd o1 uopaucto ou xapun s! iapua- •asuadxa s,xamoxxog puE uopdo s,xapua- 111 '02E10A03 aoueznsut utulgo Amu xapua- `anogg pagizosap S02E12n03 alit ;o Aug u1Eluretu o1 sure; 10M011013 3I •xamozzog Act uolloafgo me tuot; Sutljnsax uotiguttuzal0p auoz pooj; Cue ;o M0tn21 0141 gum uotloauuoo ui iiouaSy luatuaStutyA Xouasxautg rexapa,d 2111 Aq pasodtui saa; km ;o luatu1Ced 2111 zo; ajgtsuodsaz aq osre !IE1Is xam01xog •uotlEOt;tua3 JO uol2EUtutzalap 11Ons 1Oa33g 112ttu ,ClgEuosgax 110!)M 111330 SaSug11O 'Elltuts xo sSutddrutaz au pro saS1Epp luanbasgns pue sa3lnzas uouroupzao puE uotreuttuzalap auoz pool; xo; 221E11O 0U1!1 -0U0 a (Z) .10 SOO!AIOS 2ut)PEx1 puu uoi2EOgluaO `UOl2EUitux0lap auoz pool; xo; 0 1El3 aunt -auo u (j) :laglta `uuo' sup Tim u0t10attuoO ui `riud 02 z0M0zx0g axinbaz ,Gout xapua- •Ajquuosuaxun pasjoxaxa aq loo Ire11s 111211 11OlgM '0010)13 s,xam0zzog anoxddeslp o1 1145!z s,xapua- 01 1Oafgns xamozxog uaso140 aq llggs aODUZnsut alp Su!p!noxd za!zxu3 a0ueznsut a11Z '11110- 2111 ;o t1xal 2141 Sugnp aSuEg3 11E3 S031101110S Sulpaoaxd 2111 02 luunsxnd saiinbaz xapua- 1E% •saxlnbax xapua 1E spotxad atjl zo; puu (sjanal ajgilpnpap Sulpnlou!) slunoure ag1 Ut pau1g2Ututu aq Ilggs a0ugznsu! si11Z •ootrexnsut sazmbax xapua go!gm xo; `spool; put savnb)uea '01 panto!! 1ou lnq `2ulpnl0u! spzezuq zaglo AUe pue '0SE10A03 papualx0 tuxal 0141 ulijuM papnpu! swum! `0z1J ,Cq sso! lsuresu pamsul i(uad0zd 2111 uo moan z01;u0x211 x0 S ups!x0 Mou sluamanoxdtu! 0141 d0031 Ire11S xaMO110 '33ueansu! Apadoad •g •tmo- sup 111tm uot2Dauuo0 u! xapua- ,(q pasn aOtnxas Sutuodax x0 /pue uol2EOi;lxan x141 ammo f 01 E x0; 021E110 011111 -auo E Agd 03 10M0110g axlnbax i(tut xapua •b uoil0as sup ut anoqu quo las suotl3u alp Jo wow JO 0110 0))E1 JO UOTj 0111 AJST1ES t111s x2/0.110a `U0Al2 s! OOIIOU 1utp do gm uo amp at41 ;o sip pI ulgl'M 'U0A 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) mow 106a07wy.0899 Page 7 of 15 652 35265353 (1947534) Form 3051 3/99 66 /E LsOE woo [b£SL176I1 £SES9ZSE 149 :2 1138111! 9 L !0 6 abed 6680•AM80B90T (S066) (AM)V9- luauutulsu! ,Cltmoas sup ,(q pampas sums am o2 pallddg aq Hegs spaaoozd snoauellaosm 0111 'pauassal aq pinoM ,tuznoas s,zapuag zo algisua; ,(!luommuooa lou Si zredaz 10 uotluzolsaz aq1 ;I •spaaoozd snoauullapsi A gons uo ammo .to !swam! ,(1111 zamo.uog ,(ud 01 pazlnbaz aq lou hurls zapuag 'spaaoozd snoaugllaostyAl gons uo pled aq of lsazalul sazmbaz Mug alguollddy zo gullets uT apum sT 1uamaazgu uu ssalun •palaldumo sl 3llOM 010 sr sluauz,(ud ssai ozd jo saTZas u uT zo luauzasmgslp alguls u ul uouuzoisaz pug szredaz aqi zo; ,(11d Amu zapuag •(tfdmoid ua3lulzapun aq Rees uolloadsul gons 2egf papinozd 'uoliov;snes s,zapuag 01 palalduioo uaaq sue NzoM 0112 aznsua of ,(uadozd gpns 2oadsut of Mllunuoddo ue pug sgg zapua-I !pun spaaoozd snoauellaosm lions ploq O3 lgg!z am anrq !JEgs zapuag 'polzad uoilgzolsaz pug ztudaz gpns guuna •pauassal lou sl ,Cl!moss s,zapuag pug alglsua; i!luptUI0UOOa sl ztudaz 10 uoliuzoisaz aq1 ;l `,(uadozd aqi ;o ztudaz JO u01111zofsaz of pallddv aq legs spaapozd snoaugllaosm gpns 'paguulip sl ,ivadozd amji •zapun' o1 mud aq !lugs puu o1 pauglssu Xgazaq azu spaaoozd snoauullaosIN HV •aJnllaJaog :spaaaoad snoauullaosryt JO lu0uuuglssy •ii •aioN agi ul papinozd am am 2u !swam! iced 01 uoll1gt1go S,IONt01.10$ s103; ;11 01 UOt230s slgl u! gulgloN Mug alquollddy ,(q pazmbaz sl Uolluululzal !pun .10 uopuuluual lions zo; gulpinozd zapun' pee zamozzog uaaMlaq luautaazgu uall!IM Attu gilts aoUUpzoom ul spun aouuznsu! agegtirow zo; ivauuazlnbaz s,zapuag agi lllun `0A.I3saz sso! algepunjaz -uou u apinozd 01 10 'papa uT aouuznsul agu$uow ululureuz of pazlnbaz suunuuazd aqI ,(d !lugs 10M0110g 'aouuznsul ageguow zo; sutnluuazd 0112 pzuMO2 slu0uuAud paiuuglsap ,Clalgzudas mut 01 pazlnbaz sum 10M0110g puu Ueog ag1 gupretu ;o uotltpuoo 11 se 0ouemsul aguguoysl pazlnbaz zapuag ;I •aOUVZnsul agEguoy4l z0; suuntuuazd aqi pzemo! sivatuAud pafeug!sap Alaluzgdas sazlnbaz zapuag puu 'paui2go sl `alqullgnu sauuooaq muge mug zapuag ,Cq paloalas zaznsu! uu ,iq papinozd (sazlnbaz zapuag Imp popad agi zo; puu lunouug aq1 ul) agezanoo aouuznsul aguguoyAl ;l sluauu1tud anzasaz ssoi azlnbaz zaguo! 011 Uuo zapun' •anzasaz ssoi gons uo sguluzua zo 250z02u! Aug 10M0110g Aud of pazlnbaz aq lou !!ells zapua1 puu '!!n3 ul plod ,(laluUItiln sl Uuog alp 113 23113 0141 gutpuufsglUMioU 'alg11pun;az -uou aq !legs anzasaz sso! gons •apuIznsul aguguoy%l ;O nal! ul anzasaz ssoi alqupun;az -uou u s11 s2uatuAud asagl ului0z puu asn 1da00u !!um zapuag 1pa ;3a u! aq of pasuao aguzanoo aouuznsul aqi uagm anp atom 111111 s2uauu,iud paivuglsap ,Claluzudas aq2 jo lunouue 0112 zapun' 01 ,cud o2 anu!Iuoo hugs zaMOZZOg 'alqujrenv lou sl ag11zanoo aouUznsul agu8uoN ivalgnlnba 1liul1u111sgns ;I •zapuag ,iq paloalas zaznsu! 0 E 2.I0uu aiuuzalre ue t u0z; '1pa33a Ul ,Clsnolnazd aoueznsul aguguoIAI alp ;o zamozzog of lsoo 0142 01 lualunlnba A!lupuuisgns 2soo u 113 '2803 ;a u! Xlsnolnazd aouuznsul ageguo A am 01 lualenlnba Allulluglsgns aggzanoo utulgo 01 pazlnbaz sumnuazd 0111 ,C11d !legs zaAOZZOg 'aoUUmsul agvgu0JA zo; sum!tuazd am pzuAO1 s2uaiu,(11d paiuuglsap Ala111z11das aaluuu 01 pazlnbaz suM 10M0110g pug apueznsu! gons papinozd ,(lsnotnazd 1ut11 zaznsu! aguguouu agi tuoz; ajquimiu aq 01 saseao zapuag ,(q pazlnbaz aggzanoo aougznsul aguguow aq 'uosuaz ,Cue zo; `31 •lop; ;a u! aotmnsul 02aLIOIN 0111 Ulu3UtvUI of pazlnbaz sumlmazd 0Tl1 iced !lugs zOMOSIOg `11110g 0111 2ul)leut ;o uompuoo a se aouvznsu! 0 21101Al pazlnbaz zapua'I 3! •aoueunsui agegluohl •oI •2ullt1M ul zagzaut am 01 saazgu zapuag ssalun agzauu lou !lugs allll 00; ag1 puu plo1lasua! 0141 ',Cuadozd am 01 anti a0; s0mtbp11 IOMOZZOg ;I •asgai alp jo suolslnozd 0141 !!u 1111M ,(ldmoo !lugs .10M0110g 'plogaseal 11 uo sl luaumz2sul ,(lunoas slgi 3! 2uaUl,Cud gulisanbaz zamozzog of zapun' uuoz; aopou uodn 'lsazalul gons g2!M 'alqu,(ud aq !lugs puu luauuasmgslp ;o am) am mu algz a10N am 111 lsazalu! nag !lugs sfunouue asags •Iu0Umzlsul ,Cllzn0as slgi ,Cq paznoas 10MOZZOg ;o !gap luuoplppu auiooaq !lugs 6 u0tfoas stgf zapun zapuag ,Cq paszngstp s1UnoUt11 ,Cuy •6 u0tlpas spp zapun paztzogln11 suollpg !!g zo ,(uu guu)lul 1ou zo3 Aug!! ou smoul zapuag lggl paazgu sl 1! '05 op 01 uollugllgo z0 Amp ,Cue zapun lou Si pug os op o1 anti lou saop zapuaI '6 u0tlpas slgf zapun umlog a)lui Amu zapun' ggno111iy •333 z0 uo paUZn1 satilj!n anvil puu `suolllpuoo snozaguvp z0 suopuloln apoo zag10 10 gulpltnq aluutuulla `sadld wog zafeM uiezp 'sMOpuTM pug stoop do pzgoq JO ODgldaz '5)1301 amp 'szludaz 0)f UI 01 ,(uadozd 0112 gulzalua '01 palliutl lou st lnq `sapnlou! ,(uadozd 9141 gulznoas •gulpaaoozd Aoidtmlurq u ul uolllsod pampas 51! gulpnlpul 'luautnnsul ,(llznoas stgl zapun slggu zo /puu ,Cuad0zd 0111 ul Isazalu! sl! 130201d 01 spa; ,s,Cauzoue II 7,69 0 Ubb9:48 654 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 C;)-6A(WY) (9905) 106a09wy.0899 Page 9 of 15 Initials: 35265353 [19475341 Form 3051 3/99 66/£ L90£ W 01 (tEsLb61.1 £9E99ZSE S9 :s1eil1ul 5 t to O L oCed 6680' 4^+OI Q90I Nom (Am)vg-CD argnotiddy gltm slotj;UOO aloes arp 10 1U0utn11sUI ,ilunaaS SIT JO Osnej0 10 uotstnoid ,Cue leg2 mono aq1 uI '10e11110o ,Cg luatuaax2e 1sutae uotitgtuoid a se pate suoa aq Iou Dugs a0uaits gons inq '1uaps aq 10nu It io loeiluoo rig oath oI stud atp moue XIltoltdun Jo ,Cl1tondxa 1t uz me-I aigeopddy •me-I aigeogddy Jo suot3eltuzi pue s2uautaatnba1 ,Cue of loafgns 0111 Iuaum.i2SUJ ,C1tlnoas stgp ut paut11puoo suoneBligo Pin s1112u III' •Poleooi st ,CuadO1d alp tiotgm ut uotlotpsunf 0112 Jo mei aril pus mur inxapa; ,Cq puma ail rings 1U0tun.nsui ,ilunoas stt j •uoi ;ona ;suop 3o swing :,C ;tligtaanas feel 2uivaano9 •91 luauttulsui ,Ci noas stgl Iapun puatuaxtnbai 8utpuodsaiioo aq2 ,C3spes !um muauia /tnba1 mnZ aigt:otiddy 0113 'me-1 algeotiddy Iapun paitnbai osie s! 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As used in this Security Instrument: (1) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender, (2) words in the singular shall mean and include the plural and vice versa, and (3) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by federal 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: (i) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (ii) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (iii) entry of a judgment enforcing this Security Instrument. Those conditions 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 institution 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 RESPA d -6A(WY) 19905) 106al lwy.0899 Page 11 of 15 Initials: 65 6 35265353 [19475341 Form 3051 3/99 66/C 190£ uu0 IVESLt6L1 E9E99Z9 !S9 0 .4 y�'•cl¢IlNI s L j0 z L Geed 6680'A^+ZTe90I (loss) (AM)d9 ®eZ •dnurai3 ieluatuuoltnug ue 1o3 1apual uo uopeStigo ,Cue alealo iiegs uta1014 SuttpON •M12l ieluautu01tnug 1411M aouepi000e Tit suotlor wawa' (i ssaoau iie ofe1 Xpdtuoid ii1214s 10M011og `AI ssaoau st Auadoid otn upo0JJE aouelsgns snoplez12H Aue jo uotletpatual .12410 JO IrA0U101 ,Cue imp ',Curd alenud Cue 10 'Agiot 1ne ,C1o1ei2801 i>'1uatutuanOB iCue Aq pagpou st 10 'sum! 1anto11og 31 •,Cuadold 0q2 Jo amen alp s1O0j3e AiasJ0Ape got14M aouelsgns snopirzeH e ;o amp.' 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Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice 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 the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. CD-6A(WY) (9905) 106a13wy.0899 Page 13 of 15 Initials: 5265353 [19475341 Form 3051 3/99 66 /E L90E w1o4 (b£9Lb6L1 £9£5929£ IaMOiJOg- laMO.ilOg- (han) (has) IaMOIIOg- (has) 12M0JI0H- 1aM0II0g- (has) (has) ]aMO1IOg- (haS) IaM0110H- (haS) S9 IJ3HSIH NOG 0171, eaed I0MO1IOg- (has) 6680' Att. Iv90I (s066) (AM)d9 113) :sassauhM •II pm papiooai pue iamoiiog .Cq palnoaxa (s)iapu Auz ut puz Iuaum.r sul Allmon sup u! pauIeluoo s1uvuanoo pue suual aqi 01 saa u puz SWOON 1am0I0g `MO'IIIa ONINOIS .Cg STATE OF WYOMING, The foregoing instrument was acknowledged before me this 23rd day of October, 2000 by DON FISHER AND LYNN FISHER My Commission Expires: 9/12/03 6A(WY) (sso5) 106a15wy.0899 Tet County ss: 661.) 3,52 65353 [1947534] Initials:_. Jf-1 Page 15 of 15 Form 3051 3/99 199 '859 a ?ed F d ZI7T Moog `8L6T S Atenuep papaooaa paaa Xaue.0 p uT pagTaosap se ssaa2a pue ssaa2uz ao3 Aum 3o qq2Ta Tenladaad e q tM aama2oj •2uiuuT2aq 3o luTod auk of aaa3 `M,0006S aoua41 'Iaa3 O'56T 'M,000S aoue41 '1@a3 L'9T `g,0006N eouaga 'lea; 56T '3,000N aoua p 2uiuuna pue `M6TT2I `ST uoTloaS 3o aauao0 '7 /TM auk 3o maoN laa3 L93 2uzuui2ag .V. ZIflIHX� Rt THIS SECOND HOME RIDER is made this 5th day of October, 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 (the "Borrower," whether there are one or more persons undersigned) to secure Borrower's Note to OLD KENT MORTGAGE COMPANY A MICHIGAN CORPORATION (the "Lender of the same date and covering the Property described in the Security Instrument (the "Property which is located at: 1873 COUNTY ROAD 125, THAYNE, WY 83127 In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree that Sections 6 and 8 of the Security Instrument are deleted and are replaced by the following: 6. Occupancy. Borrower shall occupy, and shall only use, the Property as Borrower's second home. Borrower shall keep the Property available for Borrower's exclusive use and enjoyment at all times, and shall not subject the Property to any timesharing or other shared ownership arrangement or to any rental pool or agreement that requires Borrower either to rent the Property or give a management firm or any other person any control over the occupancy or use of the Property. 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 second home. MULTISTATE SECOND HOME RIDER Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT 35265353 [19475341 1365r1.0899 Page 1 of 2 Initials: ©-365R (9904) VMP MORTGAGE FORMS (800)521 -7291 SECOND HOME RIDER [Property Address] 1 Form 3890 3/99 1 111 1 III 662 IV BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Second Home Rider. DON FISHER -365R (9904) (Seal) Borrower 1365r2.0899 Page 2 of 2 (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower 35265353 [19475341 Form 3890 3/99 66L1