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'pno1O •lS DUI 'swa4sAS SJ9 Uee 966 to OUVZ0000006Z00000000000OOOZ QLOBZa3ME/AM aOa6 OIN 6uIwoAM SMOaafl9 'a WIf Japuei Aq 6ul}!JM ul peleu!wJe4 ueeq eneq s}ueweei6e 6uTAIJapun Ile pue s}ga0 paanoes a 1 'nun }oaJ4a ul ulewe. !pm luawnJ }sul A}Ianoes slyl •(ApedoJd se o} paJJa jeJ lie) peq!losep a }e}sa leaf ay} jo }Jed eq ay} Li! awn Aue }e Jo 'Mou Aew }ey} s }uaweoeldaJ pue 'sawn }xl} 'seJn }onJ }s 's}uewenoJdwl pue 6ul}slxe Ile pue loo }s JeleM pue sego}lp 'sllaM 's}y6ii ueuedii pue Ja}eM Ile 's11.16!J se6 pue lIo 's}y6u leJeu!w 'sal }IeAoi 'seoueueprldde 's}uewesee 's}46p lle y}!M J9149601 'JNIWOAM 'AINl00 N100NI1 'NE1310 A±Nf100 ]Hl JO 301ddO 3H1 NI 030N0031:1 1Vld 1VH1 01 JNIOH000'd 10NVEI A311VA EIV1S '1. ±Vld 'O L 101 :A�Jadoad paquosep 6uiMolloJ ay} 'ales jo JeMod ay; y }IM 'Japual o} s }ueJJeM pue se6e6}JOw 'sAanuoo 'su!e6Jeq 's }ueJ6 Jo6e61.JOlA1 }uewnJ}sul A}IJnoes sly; Japun eouewao }Jed s,ao6e61,Jo j pue silea peanoes ay} aanoas o} pue 'pe6palMOUre sl golyM jo Aoue!on}ns pue }d!aoaJ a41 'uol }eJeplsuoo algenlen pue pooh Jod '3ONVA3ANOO 1. 1 JDVd xa r-* ooa DNIV!O) M ?NO 3NNVJp CC:01tjr ?3:4 00 1 4.1.NfO N O3Nfl :wry 'LZ L£8 6UIWOAM '3NAVH1 }e A}uno0 N0131 ul peleool sl A}Jadaid ayl LOOE8 6u1woAM 'uos>loep Plead 1seM 091. eo!Jawy }o sa }e }S pel!un ay jo sMel ay} Japun 6up.s!xe pue pezlue6J0 )INVS 1VNOIlVN 1S>31d AlINf1WW00 •1:13aN3'1 3JVJIIOW e }e0 6ulpJooe Jod eull situ_ enogb eoedS 9SEOL8 /1' 60Z+1IOI0 3dIM ONV ONV8Sf1H L00£8 6u!woAM 'NOS)10Vf L8L X08 '0 'd SMOaal8 '1 AIM 3dIM ONV ONV8Sf1H L00£8 6uIwoAM 'NOS)IOVr L8L X08 '0 'd SMO>flfl8 'a WIf :}10DVJll:101A1 :aae sassaappe alay} pue sawed eq 'OOOZ '9 L iegwaoe s! (a.uawnJlsul A}lrnoes) e6e61.Jow s!q} jo e }ep eq j 'S3IIUVd aNv 31va 20 0 2. MAXIMUM OBLIGATION LIMIT. The total principal amount secured by this Security Instrument at any one time will not exceed 14,400.00. This limitation of amount does not include interest and other fees and charges validly made pursuant to this Security Instrument. Also, this limitation does not apply to advances made under the terms of this Security Instrument to protect Lender's security and to perform any of the covenants contained in this Security Instrument. 3. SECURED DEBTS. This Security Instrument will secure the following Secured Debts: A. Specific Debts. The following debts and all extensions, renewals, refinancings, modifications and replacements. A promissory note, No. 7342829, dated December 15, 2000, from Mortgagor to Lender, in the amount of $14,400.00 with an interest rate of 9.5 percent per year maturing on December 15, 2005. B. Sums Advanced. All sums advanced and expenses incurred by Lender under the terms of this Security Instrument. 4. PAYMENTS. Mortgagor agrees that all payments under the Secured Debts will be paid when due and in accordance with the terms of the Secured Debts and this Security Instrument. 5. PRIOR SECURITY INTERESTS. With regard to any other mortgage, deed of trust, security agreement or other lien document that created a prior security interest or encumbrance on the Property, Mortgagor agrees: A. To make all payments when due and to perform or comply with all covenants. B. To promptly deliver to Lender any notices that Mortgagor receives from the holder. C. Not to allow any modification or extension of, nor to request any future advances under any note or agreement secured by the lien document without Lender's prior written consent. 6. CLAIMS AGAINST TITLE. Mortgagor will pay all taxes, assessments, liens, encumbrances, lease payments, ground rents, utilities, and other charges relating to the Property when due. Lender may require Mortgagor to provide to Lender copies of all notices that such amounts are due and the receipts evidencing Mortgagor's payment. Mortgagor will defend title to the Property against any claims that would impair the lien of this Security Instrument. Mortgagor agrees to assign to Lender, as requested by Lender, any rights, claims or defenses Mortgagor may have against parties who supply labor or materials to maintain or improve the Property. 7. DUE ON SALE. Lender may, at its option, declare the entire balance of the Secured Debts to be immediately due and payable upon the creation of, or contract for the creation of, a transfer or sale of the Property, This right is subject to the restrictions imposed by federal law governing the preemption of state due -on -sale laws, as applicable. 8. WARRANTIES AND REPRESENTATIONS. Mortgagor has the right and authority to enter into this Security Instrument. The execution and delivery of this Security Instrument will not violate any agreement governing Mortgagor or to which Mortgagor is a party. 9. PROPERTY CONDITION, ALTERATIONS AND INSPECTION. Mortgagor will keep the Property in good condition and make all repairs that are reasonably necessary. Mortgagor will not commit or allow any waste, impairment, or deterioration of the Property. Mortgagor will keep the Property free of noxious weeds and grasses. Mortgagor agrees that the nature of the occupancy and use will not substantially change without Lender's prior written consent. Mortgagor will not permit any change in any license, restrictive covenant or easement without Lender's prior written consent. Mortgagor will notify Lender of all demands, proceedings, claims, and actions against Mortgagor, and of any loss or damage to the Property. Lender or Lender's agents may,' at Lender's option, enter the Property at any reasonable time for the purpose of inspecting the Property. Lender will give Mortgagor notice at the time of or before an inspection specifying a reasonable purpose for the inspection. Any inspection of the Property will be entirely for Lender's benefit and Mortgagor will in no way rely on Lender's inspection. 10. AUTHORITY TO PERFORM. If Mortgagor fails to perform any duty or any of the covenants contained in this Security Instrument, Lender may, without notice, perform or cause them to be performed. Mortgagor appoints Lender as attorney in fact to sign Mortgagor's name or pay any amount necessary for performance. Lender's right to perform for Mortgagor will not create an obligation to perform, and Lender's failure to perform will not preclude Lender from exercising any of Lender's other rights under the law or this Security Instrument. If any construction on the Property is discontinued or not carried on in a reasonable manner, Lender may' take all steps necessary to protect Lender's security interest in the Property, including completion of the construction, JIM D. BURROWS Wyoming Mortgage WY/ 3VER28071200000000000000290000002AnC 0 1996 Bankers Systems, Inc., St. Cloud, MN TOE NW 'Pu '1S aul •swalsAS sialue9 966 Lo auVZ0000006Z00000000000000ZLL08ZU AC /AM e6e6uow 6wwoAM SMOHHn9 '0 WU' 844 amesaad pue pedsui 04 Japual 'JO4 sasuadxa Aed 0; saaJ6e Jo6e64JON •4uewnisul J(41Jn3es sm. 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JIM D. BURROWS Wyoming Mortgage WY/ 3VER28071200000000000000290000002AnC ©1996 Bankers Systems, Inc., St. Cloud, MN J 202 Property and for any recordation costs of releasing the Property from this Security Instrument. Expenses include, but are not limited to, reasonable attorneys' fees after default and referral to an attorney not a salaried employee of the Lender. These expenses are due and payable immediately. If not paid immediately, these expenses will bear interest from the date of payment until paid in full at the highest interest rate in effect as provided for in the terms of the Secured Debts. To the extert permitted by the United States Bankruptcy Code, Mortgagor agrees to pay the reasonable attorneys' fees Lender incurs to collect the Secured Debts as awarded by any court exercising jurisdiction under the Bankruptcy Code. 15. ENVIRONMENTAL LAWS AND HAZARDOUS SUBSTANCES. As used in this section, (1) Environmental Law means, without limitation, the Comprehensive Environmental Response, Compensation and Liability Act (CERCLA), all other federal, state and locel laws, regulations, ordinances, court orders, attorney general opinions or interpretive letters concerning the public health, safety, welfare, environment or a hazardous substance; and (2) Hazardous Substance means any toxic, radioactive or hazardous material, waste, pollutant or contaminant which has characteristics which render the substance dangerous or potentially dangerous to the public health, safety, welfare or environment. The term includes, without limitation, any substances defined as "hazardous material," "toxic substance," "hazardous waste," "hazardous substance," or "regulated substance" under any Environmental Law. Mortgagor represents, warrants and agrees that: A. Except as previously disclosed and acknowledged in writing to Lender, no Hazardous Substance is or will be located, stored or released on or in the Property. This restriction does not apply to small quantities of Hazardous Substances that are generally recognized to be appropriate for the normal use and maintenance of the Property. B. Except as previously disclosed and acknowledged in writing to Lender, Mortgagor and every tenant have been, are, and will remain in full compliance with any applicable Environmental Law. C. Mortgagor will immediately notify Lender if a release or threatened release of a Hazardous Substance occurs on, under or about the Property or there is a violation of any Environmental Law concerning the Property. In such an event, Mortgagor will take all r 3cessary remedial action in accordance with any Environmental Law. D. Mortgagor will immediately notify Lender in writing as soon as Mortgagor has reason to believe there is any pending or threatened investigation, claim, or proceeding relating to the release or threatened release of any Hazardous Substance or the violation of any Environmental Law. 16. CONDEMNATION. Mortgagor will give Lender prompt notice of any pending or threatened action by private or public entities to purchase or take any or all of the Property through condemnation, eminent domain, or any other means. Mortgagor authorizes Lender to intervene in Mortgagor's name in any of the above described actions or claims. Mortgagor assigns to Lender the proceeds of any award or claim for damages connected with a condemnation or other taking of all or any part of the Property. Such proceeds will be considered payments and will be applied as provided in this Security Instrument. This assignment of proceeds is subject to the terms of any prior mortgage, deed of trust, security agreement or other lien document. 17. INSURANCE. Mortgagor agrees to keep the Property insured against the risks reasonably associated with the Property. Mortgagor will maintain this insurance in the amounts Lender requires. This insurance will last until the Property is released from this Security Instrument. Mortgagor may choose the insurance company, subject to Lender's approval, which will not be unreasonably withheld. All insurance policies and renewals will include a standard "mortgage clause" and, where applicable, "loss payee clause." Mortgagor will give Lender and the insurance company immediate notice of any loss. All insurance proceeds will be applied to restoration or repair of the Property or to the Secured Debts, at Lender's option. If Lender acquires the Property in damaged condition, Mortgagor's rights to any insurance policies and proceeds will pass to Lender to the extent of the Secured Debts. Mortgagor will immediately notify Lender of cancellation or termination of insurance. If Mortgagor fails to keep the Property insured Lender may obtain insurance to protect Lender's interest in the Property. This insurance may include coverages not originally required of Mortgagor, may be written by a company other than one Mortgagor would choose, and may be written at a higher rate than Mortgagor could obtain if Mortgagor purchased the insurance. 18. ESCROW FOR TAXES AND INSURANCE. As provided in a separate agreement, Mortgagor agrees to pay to Lender funds for taxes and insurance in escrow. 9 acted S NW 'pno10 •ls ou! 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BURROWS Wyoming Mortgage WY/ 3VER28071200000000000000290000002AnC (Notary day of ®1996 Bankers Systems, Inc., St. Cloud, MN D IF 2 0 4 by Initials Page 6