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The Property is used in a manner or for a purpose that threatens confiscation by a legal authority. J. Name Change. Mortgagor changes Mortgagor's name or assumes an additional name without notifying Lender before making such a change. K. Property Transfer. Mortgagor transfers all or a substantial part of Mortgagor's money or property. This condition of default, as it relates to the transfer of the Property, is subject to the restrictions contained in the DUE ON SALE section. L. Property Value. The value of the Property declines or is impaired. M. Insecurity. Lender reasonably believes that Lender is insecure. 13. REMEDIES. Lender may use any and all remedies Lender has under state or federal law or in any instrument evidencing or pertaining to the Secured Debts, including, without limitation, the power to sell the Property. Any amounts advanced on Mortgagor's behalf will be immediately due and may be added to the balance owing under the Secured Debts. Lender may make a claim for any and all insurance benefits or refunds that may be available on Mortgagor's default. Subject to any right to cure, required time schedules or other notice rights Mortgagor may have under federal and state law, Lender may make all or any part of the amount owing by the terms of the Secured Debts immediately due and foreclose this Security Instrument in a manner provided by law upon the occurrence of a default or anytime thereafter. All remedies are distinct, cumulative and not exclusive, and the Lender is entitled to all remedies provided at law or equity, whether or not expressly set forth. The acceptance by Lender of any sum in payment or partial payment on the Secured Debts after the balance is due or is accelerated or after foreclosure proceedings are filed will not constitute a waiver of Lender's right to require complete cure of any existing default. By choosing any one or more of these remedies Lender does not give up Lender's right to use any other remedy. Lender does not waive a default if Lender chooses not to use a remedy. By electing not to use any remedy, Lender does not waive Lender's right to later consider the event a default and to use any remedies if the default continues or happens again. 14. COLLECTION EXPENSES AND ATTORNEYS' FEES. On or after Default, to the extent permitted by law, Mortgagor agrees to pay all expenses of collection, enforcement or protection of Lender's rights and remedies under this Security Instrument. Mortgagor agrees to pay expenses for Lender to inspect and preserve the 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 extent 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 local 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 necessary 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 ORLAN H. SHUMWAY Wyoming Mortgage WY/ 3ERVERO6E0000000000000001200000013nA 1 ;1996 Bankers Systems, Inc., St. Cloud, MN OS Initials SS Page 3 eBed stet ;lut NW 'pn "Dui •swelsAS slaves 966 L® VUC L000000Z1.000000000000000390143A113E /AM e6e6 ;aoyy Bum °AM AVMWfHS 'H NV11i0 ;uap!sa.1d 43ue18 uowy 'sewoyu uou Isom )lue8 leuoReN ;snd Akan AV INnHS 'H NV11:1O D L::1OIN ;uewnl ;sul A;unoag sm. 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Japua- luanaJd Aew ley; S;yBu Aue an!eM o; 599.165 Jo6e6 ;.1oLN 'a06eB ;aon pue lapual uaaM;aq A;ue.1en6 e sa.1noas ;uawn .1 ;sul A;un3ag s!y; 1.1 s ;gag pa .1n3as ay; uo amen AlleuosJed aq o; 99165 ;ou saop 10656 ;1oLN pue s;gaa pamas ay; J.o ;uawAed alnmes o; A;1ado.1d ay; u! ;saga ;u! s,1o6e6;1olN a6e6;.1ow o; /quo os saop .1o6e6;1oIN 's;gaa palnoas ay; u6!s ;ou saop ;nq ;uawnl ;sul A;!.1noas sit; sub 19 1o6e611o1N 11 'S113NDIS '6L •M01350 U! a3ueJnsu! pue spunj. lapual o; Aed o; pa1!nbal aq ;ou II!M ao6e6 ;1oIN '30NVl11SNi ONV S3XV1 803 MOHHOS3 '8L •aoueansut ay; pasegoand io6e6 ;1oIN j! ule;go pinoo ao6e6 ;.1o1N uey; a ;e1 1046!4 a ;5 ua ;!.1M aq Aew pue 'asooy3 mom 1o6e6;.1olN auo uey; lay ;o Auedwoo e Aq ua ;;iaM aq Aew '.1oBe6 .1oIN ;o pa1!nbal Apeu!6luo ;ou so6elanoo apnl0u! Aew aoueJnsu! s!yu •APedoJd ay; u! ;saga ;u! s,lapual ;oa ;old o; eoueinsu! u!e;go Aew .apual palnsu! A;1adoJd a damI o; sHei. 1o6e6 ;.1o[N •a3ue.1nsu! ;o uo! ;eu!wJa; 10 uo!;elia0ue3 lapua- Ail ;ou AI0 ;5!paww! II!M ao6e6polN •s;gaa pampas ay; J.o ;ua;Xa ay; o; Japua1 o; ssed !pm spaaooid pue sa!ogod aouelnsu! Aue o; s1.46!a s,1o6e6polN 'uol ;lpuo3 paBewep u! A;1adold a; swine Japua1 IGl •uo! ;do s,.1apual ;e 's;gaa pampas ay; o; Jo A;.1adoad ay; 1.0 nedoi 10 uol ;elo ;sal o; patldde aq 11! M spaa0oad aoueansu! IIy •ssol Aue j.o aol;ou a;e!paww! Auedwoo aoueinsul ay; pue Japual an!B II!M ao6e6;.1olN „•asne10 aaAed ssol„ 'alge3!Idde 0194M 'pue „asnelo a6e6;aow„ paepue ;s e apni3u! nt s SMOUO pus sa!o!Iod 93ue.1 fly n ��n Algeuoseaaun a ou IU M 4 0 !4 M s 5 ,lapua1 Eb/ i ceIN 0 Ut's viti.1d1, ACKNOWLEDGMENT. (Individual) State OF Wyoming County OF Lincoln ss. This instrument was acknowledged before me this day of D G7 eY ORLAN H. SHUMWAY, and JUDY W. SHUMWAY. My commissi 4, u, nrr ARYPUBUC State of Uncotn h Wyoming My Commission Ex i es June 6, 2002 (Notary Public) (Lender Acknowledgment) State OF Wyoming County OF Lincoln ss. This instrument was acknowledged before me this 7 day of Ron Thomas as Afton Branch President of First National Ba nk West. My commission expires: 9.jV -2'03 PERMIAN County of Uncoln M Commission Expires Se ORLAN H. SHUMWAY Wyoming Mortgage WY/ 3ERVER06E0000000000000001200000013nA (Notary Pu ©1996 Bankers Systems, Inc., St. Cloud, MN 794 Z-000 by aS Initials 2T Page 5