Loading...
HomeMy WebLinkAbout875769 Space Above This Line For Recording Data ~/1ORTGAGE DATE AND PARTIES. The date of this Mortgage (Security Instrument) is SEPTEMBER 6, 2001. The parties and their addresses are: MORTGAGOR: DONALD E, SNIDER P O BOX 1326 THAYNE, Wyoming 83127 JYMME G. SNIDER P O BOX 1326 THAYNE, Wyoming 83127 LENDER: FIRST NATIONAL BANK - WEST Organized and existing under the laws of the United States of America 314 S Washington PO Box 1620 Alton,. Wyoming 83110 83-0162601 1. CONVEYANCE. For good and valuable consideration, the receipt and sufficiency of which is acknowledged, and to secure, the Secured Debts and Mortgagor's performance under this Security Instrument, Mortgagor grants, bargains, conveys, mortgages and warran~;s to Lender, with the power of sale, the following described property: Part of Section 23, T34N R119W of the 6th P.Mi, Lincoln County, Wyoming described as follows: Commencing at a point 195 feet North of the Southeast Corner of the NE1/4NW1/4 of said Section 23 and running thence North 114 feet; thence West 312 feet, more or less, to the East bank of the East side Canal; thence Southeasterly along the East bank of the said East Side Canal to a point 279 feet West and 53 feet South of the point of beginning; thence East 164 feet; thence North 53 feet; thence East 115 feet to the point of beginning. The property is located in LINCOLN County at HWY 89, THAYNE, Wyoming 83127. Together with all rights, easements, appurtenances, royalties, mineral rights, oil and gas rights, crops, timber, all diversion payments or third party payments made to crop producers and all existing and future improvements, structures, fixtures, and replacements that may now, or at any tim{,~ in the future, be part of the real estate described (all referred to as Property). Th;s Security Instrument will remain in effect until the Secured Debts and all underlying agreements have been terminated in writing by Lender. 2. MAXIMUM OBLIGATION LIMIT. The total principal amount secured by this Security Instrument at any one time will not exceed $121,200.00. 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 followinc~ Secured Debts: A..Specific Debts. The following debts and all extensions, renewals, refinancings, modifications and replacements. A promissory note, No..64002780, dated September 6, 2001, from Mortgagor to Lender, witha loan amount of $121,200.00 with an interest rate based on the then current index value as the promissory note prescribes and maturing on September 14, 2021. 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. DONALD E. SNIDER /"") ~ Wyoming Mortgage Initials WY/4BrandieMOOSO59OOOO3326016090501Y . ©1996 Bankers Systems, inc., St. Cloud, MN ~ Page'1 5. PRIOR SECURITY INTERESTS. With r~!~ard 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 n0]~ices that Mortgagor receives from the holder. C. Not to allow any modification or iextension 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 requite Mortgagor to provide to Lender copies of all notices"ihat such amounts are due and the receipts evidencing Mortgagor's payment. Mortgagor will defend title to th:e Property against any claims that would impair the lien of this Security Instrument. Mortgagor agrees to assigi~i to Lender, as requested by ·Lender, any rights, claims or defenses Mortgagor may have against parties who ,~!'upply labor or materials to maintain or improve the Property. 7. DUE ON SALE. Lender may, at its op, tion, declare the entire balance of the Secured Debts to be immediately due and payable upon the creation of, or ~;~ontract for the creation of, a transfer or sale of the Property. This right is subject to the restrictions imposed 'b.~' federal law governing the preemption of state due-on-sale laws, as applicable. 8. WARRANTIES AND REPRESENTATIOI~JS. :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, ALTERATION',!~ AND INSPECTION. Mortgagor will keep the Property in good condition and make all repairs that are reasonably ni~cessary. Mortgagor will not commit or allow any waste, impairment, or deterioration of the Property. Mortgagor',.i;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 ~hange in any license, restrictive covenant or easement without Lender's prior written consent. Mortgagor will ni!~tify:Lender of all demands, proceedings, claims, and actions against Mortgagor, and of any loss or damage to the Property. No portion of the Property will be remove~J, demolished or materially altered without Lender's prior written consent except that Mortgagor has the right to remove items of personal property comprising a part of the Property that become worn or obsolete, provided that ,,;uch personal property is replaced with other personal property at least equal in value to the replaced personal p~,:~)perty, free from any title retention device, security agreement or other encumbrance. Such replacement of personal property will be deemed subject to the security interest created by this Security Instrument. Mortgagor will: not partition or subdivide the Property without Lender]s prior written consent. Lender or Lender's agents may, at Lende:?'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 !nspection. 10. AUTHORITY TO PERFORM. If Mortgagor fails to perform any duty or any of the covenants contained in this Security Instrument, Lender may, withoL~t 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 8:n 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 ca?'ried on in a reasonable manner, Lender may take all steps necessary :to protect Lender's security interest in the Pr~operty, including completion of the construction. 11. ASSIGNMENT OF LEASES AND REI~'ITS. Mortgagor grants, bargains, conveys, mortgages and warrants to Lender as additional security all the right, 'title and interest in and to any and all: A. Existing or future leases,' subleases,., licenses, guaranties and any other written or verbal agreements for the use and occupancy of any portion 'of the Property, including any extensions, renewals, modifications or substitutions of such agreements (all referred to as Leases). B. Rents, issues and profits (all referred to as Rents), including but not limited to security deposits, minimum rent, percentage rent, additional rent, common area maintenance charges, parking charges, real estate taxes, other applicable taxes, insurance premium contributions, liquidated damages following default, cancellation premiums, "loss of rents" insurance, g.';mst receipts, revenues, royalties, proceeds, bonuses, accounts, contract rights, general intangibles, and all rights and claims which Mortgagor may have that in any way pertain to or are on account of the use or occupancy of the whole or any part of the. Property. In the event any item listed as Leases or Rents is determined to be personal property, this Security Instrument will ~lso be regarded as a security agreement.. Mortgagor will promptly provide Lender ~;~ith true and correct copies of all existing and future Leases. Mortgagor may collect, receive, enjoy and use the R?,nts so long as Mortgagor is not in default. Except for One lease period's rent, Mortgagor will not collect in advanc,~ any future Rents without Lender's prior written consent. Upon defaul(, Mortgagor will receive Reft:ts in trust for Lender and Mortgagor will not commingle the Rents with any other funds. Amounts collected wil be applied at Lender's discretion to payments on the Secured Debts as therein provided, to costs of managing, protecting and preserving the Property and to any other necessary related expenses including Lender's attorneys' fees and court costs. Mortgagor agrees that this assignment is immediately effective between the parties to this Security Instrument and effective as to third parties on Mortgagcr's default when Lender takes an affirmative action as prescribed by the law of the state where the P¢operty is located. This assignment will remain effective during any period of redemption until the Secured Debts are satisfied. Unless otherwise provided by state law, Mortgagor agrees that Lender may take actual possession of th"e Property without commencing any legal action or proceeding. Actual possession of the Property is deemed to occur when Lender notifies Mortgagor of Mortgagor's default and DONALD E. SNIDER ~ . Wyoming Mortgage Initials WY/4BrandieMOOS05900003326016090501Y ©1996 Bankers Systems, inc., St. Cloud, MN demands that Mortgagor and Mortgagor'i~ tenants pay all Rents due or to become due directly3~L~nder. On receiving the notice of default, Mortgagor will endorse and deliver to Lender any payments of Rents. Mortgagor warrants that no defau t exist.,;, under the Leases or any applicable landlord law. Mortgagor also agrees to maintain, and to require the tenants"to comply with, the Leases and any applicable law. Mortgagor will promptly notify Lender of any noncomp ~nce. If Mortgagor neglects or refuses to enforce compliance with the terms of the Leases, then Lender may Opt .to enforce compliance. Mortgagor will obtain Lender's written authorization before Mortgagor consents'g° sublet, modify, cancel, or otherwise alter the Leases, to accept the surrender of the Property covered by su".~h Leases (unless the Leases so require), or to assign', compromise or encumber the Leases or any future Rentsl If Lender acts to manage, protect and preserve the Property, Lender does not assume or become liable for its i~i~aintenance, depreciation, or other losses or damages, except those due to Lender's gross negligence or intent on~l torts. Otherwise, Mortgagor will hotd Lender harmless and indemnify Lender for any and all liability, loss or da:rr~age that Lender may incur as a consequence of the assignment under this section. '~:~ 12. DEFAULT. Mortgagor will be in defaut'~.i if any of the following occur:: A. Payments. Mortgagor fails to make~a payment in full when due. B. Insolvency. Mortgagor makes a'n':assignment for the benefit of creditors or becomes insolvent, either because Mortgager's liabilities exceed.Mortgager's assets or Mortgagor is unable to pay Mortgager's debts as they become due. Incompetency. Mortgagor i!ies or is declared legally incompetent. C. Death or D. Failure to Perform. Mortgagor fails: to perform any condition or to keep any promise or covenant of this Security Instrument. E. Other Documents. A default occurs Under the terms of any other transaction document. F. Other Agreements. Mortgagor is in default on any other debt or agreement Mortgagor has with Lender. G. Misrepresentation. Mortgagor makes any verbal or written statement or provides any financial information that is untrue, inaccurate, or conceals a material fact at the time it is made or provided. H. Judgment. Mortgagor fails to satisfy or appeal any judgment against Mortgagor. I. Forfeiture. The Property is used in a..manner or for a purpose that threatens confiscation by a legal authority. J. Name Change. Mortgagor changes Mortgager's name or assumes an additional name without notifying Lender before making such a change. K. Property Transfer. Mortgagor tra~.~!ers all or a substantial part of Mortgager'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 tho Prr. i:perty declines or is impaired. M. Insecurity. Lender reasonably be levis that Lender is insecure. 13. REMEDIES. Lender may use any and'!~ll remedies Lender has under state or federal law or in any instrument evidencing or pertaining to the Secured D'li~bts, including, without limitation, the power to sell the Property. Any amounts advanced on Mortgager's behalf i~will be immediately due and may be added to the balance owing under the Secured Debts. Lender may make a d:iaim for any and all insurance benefits or refunds that may be available on Mortgager's default. Subject to any right to cure, required tim~?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 Instrumeiit in a manner provided by law upon the occurrence of a default or anytime thereafter. If there is a default, Trustee will, in addition to any other permitted remedy, at the request of the Lender, advertise and sell the Property as a whole or in sep~rate parcels at public auction to the highest bidder for cash and convey absolute title free and clear of all right, titie and interest of Grantor at such time and place as Trustee designates. Trustee will give notice of sale' including the time, terms and place of sale and a description of the Property to be sold as required by the applicable law in effect at the time of the proposed sale. Upon sale of the Property and to the extent not prohibited by law, Trustee will make and deliver a deed to the Property sold which conveys absolute title to the purchaser, and after first paying all fees, charges and costs, will pay to Lender all moneys advanced for repairs, taxes, insurance, liens, assessments and prior encumbrances and interest thereon, and the principal and interest on the Secured Debts, paying the surplus, if any, to Grantor. Lender may purchase the Property. The recitals in any deed of conveyance will be prima facie evidence of the facts set forth therein. All remedies are distinct, cumulative and ~ot 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 re,quire complete cure of any existing default. By Choosing any one or more of these remedies Lander 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 re~'~edy. 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. Mortgago~' agrees to pay expenses for Lender to inspect and preserve the Property and for any recordation costs of releas ng 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 p~yable immediately. If not paid immediately, these expenses will bear interest from the date of payment until p..'~i~l 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 DONALD E. SNIDER ..,"~ ~ Wyoming IVIortgaga WY/4BrandieMOOSO5900003326016090501Y ©1996 Bankers Systems, inc., St. Cloud, MN ,~-'~7=~,~ Page 3 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 Compreheni,~ive Environmental Response, Compensation and Liability Act (CERCLAI, 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 agree[!, that: A. Except as previously disclosed and acknowledged in writing to Lender, no Hazardous Substance has been, is, or will be located, transported, manufactured, treated, refined, or handled by any person on, under or about the Property, except in the ordinary course of business and in strict compliance with all applicable Environmental Law. B. Except as previously disclosed and acknowledged in writing to Lender, Mortgagor has not and will not cause, contribute to, or permit the release of ahy Hazardous Substance on the Property. :~_ender if (1) a release or threatened release of Hazardous Substance C. Mortgagor will immediately notify occurs on, under or about the Property:::or migrates or threatens to migrate from nearby property; or (2) 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 Environmental Law. D. Except as previously disclosed and~'acknowledged in writing to Lender, Mortgagor has no knowledge of or reason to believe there is any pending!'or threatened investigation, claim, or proceeding of any kind relating to (1) any Hazardous Substance located c~,n, under or about the Property; or (2) any violation by Mortgagor or any tenant of any Environmental Law. Mbrtgagor will immediately notify Lender in writing as soon as Mortgagor has reason to believe there is any suci'~ pending or threatened investigation, claim, or proceeding. In such an event, Lender has the right, but not the obligation, to participate in any such proceeding including the right to receive copies of any documents relating to such proceedings. E. Except as previously disclosed and~.;acknowledged in writing to Lender, Mortgagor and every tenant have been, are and will remain in full compile, hca with any applicable Environmental Law. F. Except as Previously disclosed andi. acknowledged in writing to Lender, there are no underground storage tanks, private dumps or open wells located on or under the Property and no such tank, dump~ or well will be added unless Lender first consents in writing, G. Mortgagor will regularly inspect the Property, monitor the activities and operations on the Property, and confirm that all permits, licenses or approvals required by any applicable Er~vironmental Law are obtained and complied with. H. Mortgagor will permit, or cause any tenant to permit, Lender or Lender's agent to enter and inspect the Property and review all records at any reasonable time to determine (1) the existence, location and nature of any Hazardous Substance on, under or:about the Property; (2) the existence, location, nature, and magnitude of any Hazardous Substance that has been released on, under or about the Property; or (3) whether or not Mortgagor and any tenant are in compliance with applicable Environmental Law. I. Upon Lender's request and at any time, Mortgagor agrees, at Mortgagor's expense, to engage a qualified environmental engineer to prepare an ei3vironmental audit of the Property and to submit the results of such audit to Lender. The choice of the environmental engineer who will perform such audit is subject to Lender's approval. : J. Lender has the right, but not the o[:,,'Iigation, to perform any of Mortgagor's obligations under this section at Mortgagor's expense. K. As a consequence of any breach!.of any representation, warranty or promise made in this section, (1) Mortgagor will indemnify and hold Le~hder and Lender's successors or assigns harmless from and against all losses, claims, demands, liabilities, da[gages, cleanup, response and remediation costs, penalties and expenses, including without limitation all costs o~!! litigation and attorneys' fees, which Lender and Lender's successors or assigns may sustain; and (2) at Lende:~;'s discretion, Lender may release this Security Instrument and in return Mortgagor will provide Lender with c('~,llateral of at least equal value to the Property secured by this Security Instrument without prejudice to any of Lender's rights under this Security Instrument. L. Notwithstanding any of the language contained in this Security-Instrument to the contrary, the terms of this section will survive any foreclosure or satisfaction of this Security Instrument regardless of any passage of title to Lender or any disposition by Lender: of any or all of the Property. Any claims and defenses to the contrary are hereby waived. 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. Mor, tgagor 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. DONALD E. SNIDER Wyoming Mortgage Initials ~_~ WY/4BrandieMO0505900003326016090501Y All insurance policies and renewals will i:~!lclude a standard "mortgage clause" and, where applicable, "loss payee clause." If required by Lender, Mortgagoir agrees to maintain comprehensive general liability insurance and rental loss or business interruption insurance in, amounts and under policies acceptable to Lender. The comprehensive general liability insurance must name Lei'der as an additional insured, The rental loss or business interruption insurance must be in an amount equal to :~i~it least coverage of one year's debt service, and required escrow account deposits (if agreed to separately in writing:,) 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, Mortgaigor's rights to any insurance policies and proceeds will pass to Lender to the extent.of the Secured Debts. Mortgagor will immediately notify Lender il)f cancellation or termination of insurance. If Mortgagor fails to keep the Property insured Lender may obtain insu(ance to protect Lender's interest in the Property. This insurance may include coverages not originally requiredi~f 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. 19. CO-SIGNERS. If Mortgagor signs this Security Instrument but does not sign the Secured Debts, Mortgagor does so only to mortgage Mortgagor's interest in the Property to secure payment of the Secured Debts 'and Mortgagor does not agree to be personally liable on the Secured Debts, If this Security Instrument secures a guaranty between Lender and Mortgagor,! Mortgagor agrees to waive any rights that may prevent Lender from bringing any action or claim against Mortgagor or any party indebted under the obligation. These rights may include, but are not limited to, any anti-deficiency or one-action laws. 20. WAIVERS. Except to the extent proh(bited by law, Mortgagor waives all homestead exemption rights relating to the Property. 21. APPLICABLE LAW. This Security Mstrument is governed by the laws of Wyoming, except to the extent otherwise required by the laws of the jurisdiction where the Property is located, and the United States of America. 2;2. JOINT AND INDIVIDUAL LIABILITY..',i~'ND SUCCESSORS. Each Mortgagor's obligations under this Security Instrument are independent of the obligati'~,ns of any other Mortgagor. Lender may sue each Mortgagor individually or together with any other Mortgagor. L~nder may release any part of the Property and Mortgagor will still be obligated under this Security Instrument.:for the remaining Property. The duties and benefits of this Security Instrument will bind and benefit the successors and assigns of Lender and Mortgagor. 23. AMENDMENT, INTEGRATION AND SEVERABILITY. This Security Instrument may not be amen~led or modified by oral agreement. No amendment or modification of this Security Instrument is effective unless made in writing and executed by Mortgagor and Lender? This Security Instrument is the complete and final expression of the agreement. If any provision of this Security Instrument is unenforceable, then the unenforceable provision will be severed and the remaining provisions will still be enforceable, 24. INTERPRETATION. Whenever used, ~,he singular includes the plural and the plural includes the singular. The section headings are for convenience only1 and are not to be used to interpret or define the terms of this Security Instrument, ' ' 25. NOTICE, FINANCIAL REPORTS ANI~ ADDITIONAL DOCUMENTS. Unless otherwise required by law, any notice will be given by delivering it or m~'iling it by first class mail to the appropriate party's address listed in the DATE AND PARTIES section, or to any other address designated in writing. Notice to one party will be deemed to be notice to all parties, Mortgagor will inform Lender in writing of any change in Mortgagor's name, address or other application information, Mortgagor will provide Lender any financial statements or information Lender requests. All financial statements and information Mortgagor gives Lender will be correct and complete. Mortgagor agrees to sign, deliver, and file any additional documents or certifications .that Lender may consider necessary to perfect, continue, and preserve Mortgagor's obligations under this Security Instrument and to confirm Lender's lien status on any Property. Time'is of the essence. SIGNATURES. By signing, Mortgagor agr,~,es to the terms and covenants contained in this Secuiity Instrument. Mortgagor also acknowledges receipt of a.,copy of this Security Instrument. MORTG,~6iOR: // --, ,, DOI~AED LENDE~ First National Bank - West ~on Thomas, ~fton Branch ~res den~ DONALD E. SNIDER Wyoming Mortgage Initi WY/4BrandieMO050590000332601 §090501Y ©1996 Bankers Systems, inc., St. Cloud, MN ACKNOWLEDGMENT. (Individual) This-instrument was ac~tlowlc=~ged beforL] me this() ¢4: £ __ day of ,~ ~/C~_,]X ?~C~ / by DONALD E.'SNIDER, and JyMME G. SNIDER. - J - - ~ / - ' J Un~ ~ ~J~ J '~Notary Public) This instrument was ackn~wledg~ befom me th~ ~'~ day of ~,~~_. , ~) j by Ron Thomas as Afton Branch President of:First National Bank - ~est. ,, ~otary Public) DONALD E. SNIDER Wyoming Mortgage Initials~-' WY/4BrandieMO0505900003326016090501Y ~1996 Bankers Systems, Inc., St, Cloud, MN