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LOAN 8681953
(a) TAXES: We will pay all real estate taxes, assessments, water charges and sewer rents relating to the Premises when they
become due. We will not claim any credit on, or make deduction from, the loan under the Note because we pay these taxes and
charges. We will provide you with proof of payment upon request.
(b) MAINTENANCE: We will maintain the building(s) on the Premises in good condition. We will not make major changes
in the building(s) except for normal repairs. We will not tear down any of the building(s) on the Premises without first getting
your consent. We will not use the Premises illegally. If this Mortgage is on a unit in a condominium or a planned unit
development, we shall perform all of our obligations under the declaration or covenants creating or governing the condominium
or planned unit development, the by -laws and regulations of the condominium or planned unit development and constituent
documents.
(c) INSURANCE: We will keep the building(s) on the Premises insured at all times against loss by fire, flood and any other
hazards you may specify. We may choose the insurance company, but our choice is subject to your reasonable approval. The
policies must be for at least the amounts and the time periods that you specify. We will deliver to you upon your request the
policies or other proof of the insurance. The policies must name you as "mortgagee" and "loss- payee" so that you will receive
payment on all insurance claims, to the extent of your interest under this Mortgage, before we do. The insurance policies must
also provide that you be given not less than 10 days prior written notice of any cancellation or reduction in coverage, for any
reason. Upon request, we shall deliver the policies, certificates or other evidence of insurance to you. In the event of loss or
damage to the Premises, we will immediately notify you in writing and file a proof of loss with the insurer. You may file a proof
of loss on our behalf if we fail or refuse to do so. You may also sign our name to any check, draft or other order for the payment
of insurance proceeds in the event of loss or damage to the Premises. If you receive payment of a claim, you will have the right to
choose to use the money either to repair the Premises or to reduce the amount owing on the Note.
(d) CONDEMNATION: We assign to you the proceeds of any award or claim for damages, direct or consequential, in
connection with any condemnation or other taking of the Premises, or part thereof, or for conveyance in lieu of condemnation, all
of which shall be paid to you, subject to the terms of any Prior Mortgage.
(e) SECURITY INTEREST: We will join with you in signing and filing documents and, at our expense, in doing whatever
you believe is necessary to perfect and continue the perfection of your lien and security interest in the Premises.
(1) OUR AUTHORITY TO YOU: If we fail to perform our obligations under this Mortgage, you may, if you choose,
perform our obligations and pay such costs and expenses. You will add the amounts you advance to the sums owing on the Note,
on which you will charge interest at the interest rate set forth in the Note. If, for example, we fail to honor our promises to
maintain insurance in effect, or to pay filing fees, taxes or the costs necessary to keep the Premises in good condition and repair or
to perform any of our other agreements with you, you may, if you choose, advance any sums to satisfy any of our agreements
with you and charge us interest on such advances at the interest rate set forth in the Note. This Mortgage secures all such
advances. Your payments on our behalf will not cure our failure to perform our promises in this Mortgage. Any replacement
insurance that you obtain to cover loss or damages to the Premises may be limited to the amount owing on the Note plus the
amount of any Prior Mortgages.
(g) PRIOR MORTGAGE: If the provisions of this paragraph are completed, this Mortgage is subject and subordinate to a
prior mortgage dated 07 /07/1999 and given by us to
COUNTRYWIDE HOME LOANS, INC.
as mortgagee, in the original amount of 35,000.00 (the "Prior Mortgage We shall not increase, amend or
modify the Prior Mortgage without your prior written consent and shall upon receipt of any written notice from the holder of the
Prior Mortgage promptly deliver a copy of such notice to you. We shall pay and perform all of our obligations under the Prior
Mortgage as and when required under the Prior Mortgage.
(h) HAZARDOUS SUBSTANCES: We shall not cause or permit the presence, use, disposal, storage, or release of any
Hazardous Substances on or in the Premises. We shall not do, nor allow anyone else to do, anything affecting the Premises that is
in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the
Premises of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses
and to maintenance of the Premises. As used in this paragraph, "Hazardous Substances" are those substances defined as toxic or
hazardous substances 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. As used in this paragraph, "Environmental Law" means federal laws and laws of the jurisdiction where the
Premises are located that relate to health, safety or environmental protection.
(i) SALE OF PREMISES: We will not sell, transfer ownership of, mortgage or otherwise dispose of our interest in the
Premises, in whole or in part, or permit any other lien or claim against the Premises without your prior written consent.
(j) INSPECTION: We will permit you to inspect the Premises at any reasonable time.
NO LOSS OF RIGHTS: The Note and this Mortgage may be negotiated or assigned by you without releasing us or the Premises.
You may add or release any person or property obligated under the Note and this Mortgage without losing your rights in the
Premises.
DEFAULT: Except as may be prohibited by applicable law, and subject to any advance notice and cure period if required by
applicable law, if any event or condition described in Paragraph 12.A. of the Note occurs, you may foreclose upon this Mortgage.
This means that you may arrange for the Premises to be sold by advertisement and sale or by judicial foreclosure, at your option,
as provided by law, in order to pay off what we owe on the Note and under this Mortgage. If the money you receive from the sale
HELOC WY Mortgage
2C8202WY (08/99) Page 2 of 3
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