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Home My WebLink About867273`[,Ct10 ;aaUS] asogm pug 1 'H03213H1 1V1d 1VI3IddO 3H1 NO 038IdDS3a SV ONIWOAM AINf100 N100NI1 NOUHV JO NM01 3H1 01 81 )10018 HO C 101 HO Z /I3Z /1M 341 :2uiuto,(M `,ilunoD N100NI1 ui palsoot d;Jadoad paquosap 5 utmolto3 Jul `ales jo aamod gum `.iapuaj o; ,(anuoo pus ;ueag `oWgglaout £gaaau sop 10m01a0g `asodand stgl JOd •01ON am pus luauuu sul Altanoos stgl Japan sluautaads pus slusuanoo s,10MO1JOg JO aausuuojzad au] (o) pus :luauuulsul ,ilianoos siti] jo ilunoas aql laaload 01 L udsavJUd Japun paouenpe 'maim! glim `sums Jaulo lis jo luatu,fed aql (q) `.slow atl] jo suotluotjtpotu pus suotsuop `slsmauoi nu pus ;saaalui mph `aloN Jul paouapina !gap au; jo luaui,(uda1 Jul (e) :Japua- of so. moos ;uatun.I1sul Alianoas siuj 0802 "T 4sn6ny uo algs,isd pus anp `mama ptud lou ;t 'Nap ttnj Jul q ;tm `s1uatu,(ed,Clgluout ao� saptnoJd gptgm „aloN luaum.usul r(;tanoas scut se chip cures au; pomp alou s,Jamoaaog ,(q paouapina si ;qap stul, 00 000 00I •s•11) sretlou jo ums lsdtouud aql Japuarl samo JamoJJOg „aapurr 601178 in AJIO 3NV1 11VS 3AId0 11IH100H H1flOS E9EZ si MVP Hdlfl HO 31V1S 3H1 Jo smut aql Japan SUt ;sixa pus paztud1O si uoium L33Y118011 !O /7 xV 33S a$ eri cow se4 L js1m311 ti0 st Jo3ES'pow ally JNNNOAAI 7-13830M11 I,r"P u J 6 r; t3 I c lnr 00 0 3n1 .3038 MINIM Z07.6/ZI MW 9 ►o L Gold y� L6ZL SWMOd 3'JV'J1NOW dWA L61 P Pueuat/ £o (ZLZ6) (AM)H9- 06/6 L50£ waod 1N3INf1H1SNI WHOIINfI OINIHd /VWNd 8 I 6 u!S DNIINOAM „ssaappy £uadoJd [apo0 d!Z] 011 E8 Suiuto,iM NO1Hd 3ONdAV H117 1S3M L9 Jo ssaappe aql sal gaigm £3M1 *O11 1877 O ON TN alto p Lit 'gyp Ii f 40 3511+91311 001 /ou pup pupsnoul paapunH cup of uani2 si luatuna1sul Cltanoas siu „Jamonog NOI1d2i0d2100 39V912i0W W0033UH M3N SHIM ONV ONV8SfH 'N3SN31SIdH0 ANMV1 pup N3SN31SIdH0 Add ADIOId OOOZ '9e 't' Lnr uo uani3 st („luaumJ ;sul ,ilunoaS) HDVOJ IOIH SIHI RDVD,L1101A1 [a ;ea aIgpaoaag Jog au fl silty aeogV aasdS] 1.rF aoddxa x00(1 CL ?L98 100 -10L5Z #N1 10L5Z1d'31SIUH0 #dV 601178 in AlI O DIV1 11VS 3AId0 11IH100H HifOS E9EZ •1d30 S300 1VNIH :Nlld NOI1V10dd00 39V91dOW W003321H M3N :01 1IVW 0302:1003d N3HM UVU •r v 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 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. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum "Funds for: (a) yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (t) any sums payable by Borrower to Lender, in accordance with the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items." Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. "RESPA unless another law that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may 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 such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items. Lender may 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. However, Lender may require Borrower to pay a one -time charge for an independent real estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may 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, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument. If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. If, under paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the, acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrument. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under paragraphs 1 and 2 shall be applied: first, to any prepayment charges due under the Note; second, to amounts payable under paragraph 2; third, to interest due; fourth, to principal due; and last, to any late charges due under the Note. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. 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; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; 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 may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. -611(WY) (9212).03 Page 2 of 6 Form 51,$/90 Initials: lnitlels: eemul 06/6 190E Wand 9 19 E eBed Co•(z iz(3) (i,M)89-112, anaasaa sso'1 •apuvansut aggguow 3o nail ui anaasaa ssol u sg sluawAed asatl ululaa pure asn `ldaoog Item aapua-; •100330 ui aq of pasvao io pasdul aggaanoo 03umnsUi aq1 uatm aamouog £q pled gulaq wnilaad apuvinsut aggguow ,ilaeaA a141jo tunam1 -Quo 01 lmnba tuns v wow toga aapuaj o1 )(Ed IIeis .tamouog `algelteng lou si aguaanoo aougansut Qgmglaou 3ualmntnba Allellttelsgns 3I •aapuarl Aq panoaddu a0ansui aggguow aovtuallm ug woa3 `1oa3m u► ,fJsnoinaad Qouvansui aggguow ago jo aamo.uog of 1500 Qq1 0l 1ualentnba £llglluelsgns woo g lu `pa33a w Alsnotnaid aouginstn aggguow 0 141 of lualgntnba ATTviiuulsgns aggaanoo uiu3go (TT paainbaa swmuaad aql pigd lletls aamoaaog '1oa33a to aq of saseap JO sasdgl aapua-I Aq paiinbat aggaanoo aoueansui aggglaotu atl `uosvaa Cu ,g ao3 3I 'io ui aoueansui aggglaow 0141 uimlutvw of paainbat swnpuaad 0141 Avd Help aamoaaog `luatunalsul '(lianas sup Aq paanpas ugol ail gutolgw jo uoilipuoo v se aougansui ageglaow paatnbaa aapun 3I •aauvansui agog ;aoytT •g •luawAud gupsanbaa Jamming of aapual mug aollou uodn `lsaaalul tptm `alggked aq TTpgs pug alga aloN atu le luawasangslp 3o algp am woa3 lsaaalui nag Hulls sumo= 050th `luawAgd jo suual aatllo oo aaagg aapua-I pug aamoaaog ssalun •luatunalsul ,ilianoas sup Aq pampas aamoaaog 3 lgap leuoilippg awooaq Tiggs L gdeageagd sup aapun aapua-j iCq pasangstp slunoure Aud •os op of anus 1011 saop aapua-I L gdgaggred sign aapun uoilog aolgl Agm aapuarl ggnoglld •satgdaa wpm o3 ,Claadoad ag1 uo guualua pug saaj ,sAauaollg alquuosgaa guiiCed `lino ui gulugaddg luaunalsul Alpnoas sup JQAO riltaotad sgq gpi14m uail u Aq pampas sums Aug Suiiigd apnloui Am suoloog s,aapuarl quadoad 0141 ui snj a s,aapua-1 pug Auadoad am 30 anlgn ago 1paload o £I ssaoau Si aanalugm ao3 pigd pug op Am aapua'l uatp `(suotivingaa JO smel 00J0Jua o1 JO Qanitajao3 ao uotlmuuapuoo ao3 `almgoad `,foldtu ureq ui gutpaaooad g sg guns) Alaadoad ail 11t slggp s,aapua-1 1oa33e Apugoi31ugis nip gutpaapoad TuWaT g si 000t11 JO `luawtulsul Alunoas sttt1 ut pauimluoo sluawaai& pug sluguanoo ago uuo;lad o1 stie3 aamoaaog 31 •S;aadoad aq; ul wpm mapuol jo uoi ;pa ;oad •L •guppm ut aagaau am in saaagv aapuai ssalun agaau Sou TIggs aim aaJ am pug plogasgaT am `Auadoad ail o1 aim aaj saainbog aam0a1013 31 •asmal ail jo suolsinoad ail TTe gltm Aldwoo Ilegs aamouog `plogasgal uo sl luauznnsul Alianoas spi •aouapisaa lgdpuud a se fil adoad at1jo Aougdn000 s,aamoaaog guiuuaouoo suojlgluasaadaa `ol palituTT 1011 Tnq `guipnput `aloN ail Aq paauaptna ugol ag1141tm uot1301M03 ui (uotleuuojtn Iguaoeu Aug gum aapua apinoad of palim3 ao) aapun o3 sluatualvls JO uopmtuaoJut aWanoogui JO asje3 Illgualgw angg `ssaooad uopgoildde mot am guuup `aamoaaog 3i linejap ut aq ogle TTggs aamoaaog •lsaaalut Xlunoas s,aapual ao 3uaunaosul rCOunoas situ iCq panaao uatl a14o jo luauutgdtui Imtaaomw aagoo JO Alaadoad 0141 ut lsaaalul s,aamoaaog 0141 jo aanuopo3 sapnpaad `uolluutuualap glig3 poog s,aapual ut `1etTu guilna m slim passiwsip aq o1 guipaaooad JO uoilog atp gutsnmo `gj 14duageaed ul papinoad se `almisutaa pug 1Tnnjap g lions am aamoaaog Isamu! £lianas s,aapua'l JO luawnalsul Xlianpas sigl icq pan= uagT am aredul ITTgtaalmu asimaaglo JO filmdom ag1jo aanitaJao3 ut linsaa pinoo ouawgpnf 141ie3 poog s,aapuo- ui ougl ungaq si Iguiwuo so limo aaglagm `gulpaaaoad a0 uoi1pe alrup ao3 Aug 3i 1Tnejap ui aq Ilggs aamoaaog •Aladoad ag1 uo mom ltunuoo ao `aleaoualap o1 SUadoad 0140 molls 'filmdom ago aimdwi JO aguwup `,foalsap lou TTmgs aamouog •Ioaluoo s,aamowog puo/Caq an goigm isixa saounswnoap sup, nualxa ssalun a0 `platuTlim £igeuosmaaun aq lou Timis 111asuo0 goigm `gutltam ut saaage astmaaglo aapua ssalun `Aotredn000 3o am ail amps auadf 0110 1sgaT lg ao3 aauapisaa ludlpuud s,aamoaaog su /ilaadoad aql Adn000 T anujluoo Help pug luaunulsul Alunoas situ jo uopnoaxa'ago aaoje sIigp ,C1xls ultpim aouapisaa Igdiouud s,aamoaaog se ,Claadoad aqo asn pug `gsilqulsa `i(dn000 llmi s aamoaaog •splogosea' :uolloullddd uuol manioaaog :,f;aadoad aq; jo uonua ;pad puu aaueua ;ulubkj'uol ;uuaasaad °,fauudnao0 •9 •uoilisinbog ail of aoiad ,ilaletpatuut luautulsul Alun0as sun Aq pampas stuns ail 30 lualxa am 01 aapua 01 scud Begs uotlisinbag ag101 aoud Alaadoad a14101 aggutgp tuoa3 gut3Tnsaa spaaooad pug sapilod aoueansui Aug 01 lggia s,aamoaaog `aapua•l pagnbom st Aladoad 0 141 TZ 14dgaggagd aapun 31 •sluaw,Ced atp jo lunotug ail agumto JO Z pug T sgdgageagd ui T paaaajaa sluaw,Cgd iippuow ail jo anp anp 0141 auodosod JO pualX0 lou hugs ledpuud of spaaooad jo uotluotiddg Aug `gupTim ut aaagg asimaaglo aamoaaog pug aapua-1 ssalun •uantg st aopou atp uatm udaq TTtm potaad Cep -p£ a14Z anp uatl mu JO aa14lagm luauinalsul ,ilimoos situ pampas stuns /Cud of .10 iilaadoad am 010701 JO aiudaa o1 spaaooad atp asn Am aapuarl •spaaooad aoueansui ail loalloo Arm aapuo uagl `urep v alllas o1 paaa33o sett aaiaamp aatreansui 0144 1g141 aapua'y 1oa3 a0pou g s&iep p£ uiglim aamsug 1011 saop 10 `Alaadoad ag1 suopuugg aamoaaog 3I •aamo1aog o1 pigd ssaoxa Aug tlljm `anp 11ag1 1011 JO aaglagm luawnalsul ilunoas sup Aq pamoas suns am 0l poildde aq imp spaaooad aougansui 0141 `pauassal aq mom Alimoas s,aapuarl JO algtsga3 ITT1otuouooa 1ou si medal JO 11opea04501 0141 •pauassal 1ou st Altmoas s,aapua -I pug algisga3 Aiigoiwouoo0 si aredaa JO uoteaolsaa 0141 dT `pagguurep Alaadoad 0141 aigdaa 10 uopeaolsaa 01 pallddg aq Ilggs spaaooad aougansui `gutllam TIT aaagg asimaatlo aamoaaog pug aapun ssalun a0moaaog ,iq ,Clldwoad apeu 1ou 3i ssol 30 jooid mill Amu aapua'l •aapua-I pug IQtaag0 ague nsut 014101 aapou ldwoad ants Huts aamoaaog `ssoj JO Juana 0141 uj •503t10U Tumauaa pug swniwaad pied jo sldtapaa He aapua-I 01 and ATidwoad hugs aamoaaog `saainbaa aapuo' 3I •slgmauaa pug sapilod ail plot of ltgu a141 anvil Tlgts aapua-T •asneTo aggglaow paupuuos m apnput imp pug aapua-I o1 algvodaoov aq H Ts slgmauaa pug saptjod aatrganst 1 Hy •L gdmaggagd taint aout:pa000g ut Alaadoad 0141 ui slggu s,aapuaj opaload o1 a unnQo `uotldo s,aapuarl lm `Amu aapua-1 `anogq paquosap 02eaano3 uieluiew o1 slre3 aamoaaog 3I •p10t1141tm ATquuoseaaun aq 1011 TTegs goigm Tenoaddu s,aapua'-j o1 loafgns aamoaaog uasoga aq Tlggs aotreansul 0111 $uiPlnoad aapago aougansui a14j •saatnbaa aapua-1 1 spoiaad ail ao3 pug sumo= ail 111 paurelutetu aq Hugs aoueansui silty •a0umansui saainbaa aapu0-1 140114m ao3 TuipooT3 ao spoo13 guipnput 'smug aa1410 Aug pug „agaanoo papualxa„ u1a01 0143 uitltm papnlput spamzvg ssol 3sun& paansut ,Cl10doad 0141 uo papaw aa4Jmaaa14 10 guilstxa MOU sluatuanoadui 0141 d2031 4411145 aamoaaog •aouuansui £;aadoad 30 pauzuH •s -6R(WY) (92121.03 Page 4 of 6 441 payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured immediately before the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the 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 condemnor offers to make an award or 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 proceeds, at its option, either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such payments. 11. 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 any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required to commence proceedings against any successor in interest or 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 Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co -signs this Security Instrument but does not execute the Note: (a) is co- signing this Security Instrument only to mortgage, grant and convey that Borrower'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 may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Loan Charges. If the loan secured by this Security Instrument 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 under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 15. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. Form 3 /d3/ Q Initials: Co• z tz6) AM)d9 02. 166/4 s e uu 1.50£ waoA o; alas aq; jo aa! ;ou an!I pugs aapua' •n+nl aigea!ldde gl!M aauupaoaan u► 'luaaa33!p 3! '4iadoad aq; jo uolssassod ui uosaad aq; o; pun aamoaaog o; asopaaoj o; lua ;u! jo aapou aA1 pugs aapual 'ales 3o aaMOd ag; salonu! aapuari 3I •aauap!na app 3o s;soa pug saa3 ,sfauao ;ps algsuosuaa pa ;!w!I ;ou ;nq 'Iu!pnpu! 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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. 22. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument without charge to Borrower. Borrower shall pay any recordation costs. 23. Waivers. Borrower waives all rights of homestead exemption in the Property and relinquishes all rights of cutesy and dower in the Property. 24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. [Check applicable box(es)] Adjustable Rate Rider n Graduated Payment Rider Balloon Rider VA Rider 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. Witnesses: (Seal) (Seal) Borrower Borrower STATE OF WYOMING, SALT LAKE The foregoing instrument was acknowledged before me this July 26, 2000 by RICKEY RAY CHRISTENSEN and TAWNY CHRISTENSEN My Commission Expires: ®6R(1/1/v) (921203 CINDY WARD LL NOTARY PUBLIC STATE OFVAN 6955 SOUTH UNION PK CEPJ1;R MiDVALE, UTAH 34041 OMM. E FEB 26 2001j Condominium Rider El Planned Unit Development Rider Rate Improvement Rider Other(s) [specify] Page 6 of 6 County ss: 443 1 -4 Family Rider Fl Biweekly Payment Rider Second Home Rider Form 3051 9/90