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Home My WebLink About874319 - - - fO" ft ELEAS£, 0 ,) "I' / '¡II:- 1< F. -//7 f/.." This¿ ¥,9.rtgage 3f£ 'tßKLl£7J.~f Mt)BT&A'~ ,,*----r¡ í c¡ 01014747 @ J(/F nECEIVED LINCOLN COUNTY CLERI< 814319 o ¡ Jt!L - S I'll! 9: ¡ 9 ~jEt\NN[:' ¡'~EH IŒMMEnER WYOMING BOOK ,168 PRPAGE 00--; Space Above This Line For Recording Data MORTGAGE DATE AND PARTIES. The date of this Mortgage (Security Instrument) is July 2, 2001. The parties and their addresses are: MORTGAGOR: MICHELE FINKES P.O. BOX 454 WILSON, Wyoming 83014 A SINGLE WOMAN LENDER: COMMUNITY FIRST NATIONAL BANK Organized and existing under the laws of the United States of America 160 West Pearl Jackson, Wyoming 83001 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 warrants to Lender, with the power of sale, the following described property: LOT 110 OF NORDIC RANCHES DIVISION NO.8, LINCOLN COUNTY, WYOMING, ACCORDING TO THAT PLAT FILED IN THE OFFICE OF THE COUNTY CLERK AS PLAT NO 312-A. The property, is located in LINCOLN County at LOT 110 OR NORDIC RANCHES, ALPINE, Wyoming 83128. Together with all rights, easements, appurtenances, royalties, mineral rights, oil and gas rights, all water and riparian rights, wells, ditches and water stock and all existing and future improvements, structures, fixtures, and replacements that may now, or at any time in the future, be part of the real estate described (all referred to as Property). This 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 anyone time will not exceed $25,600.00. 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 MICHELE FINKES Wyoming Mortgage WY/4Xnl<astne00505900003326016062901 Y ©1996 Banl<ers Systems. Inc,. St. Cloud. MN ~ Initials ~ Page 1 - - - l aBed _~Sle!~!UI ."F-'--!!!5fx3 NIIII 'pnoJ '¡S . 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"'~'lï ~ '\J I,,) , '-t' ,-.j! , 00.9 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, guest 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. Mortgagor will promptly provide Lender with true and correct copies of all existing and future Leases. Mortgagor may collect, receive, enjoy and use the Rents so long as Mortgagor is not in default under the terms of this Security Instrument. Mortgagor agrees that this assignment is immediately effective between the parties to this Security Instrument. Mortgagor agrees that this assignment is effective as to third parties when Lender takes affirmative action prescribed by law, and that this assignment will remain in effect during any redemption period until the Secured Debts are satisfied. Mortgagor agrees that Lender may take actual possession of the Property without the necessity of commencing legal action and that actual possession is deemed to occur when Lender, or its agent, notifies Mortgagor of Mortgagor's default and demands that any tenant pay all future Rents directly to Lender. On receiving notice of default, Mortgagor will endorse and deliver to Lender any payment of Rents in Mortgagor's possession and will receive any Rents in trust for Lender and will not commingle the Rents with any other funds. Any amounts collected will be applied as provided in this Security Instrument. Mortgagor warrants that no default exists under the Leases or any applicable landlord/tenant law. Mortgagor also agrees to maintain and require any tenant to comply with the terms of the Leases and applicable law. 12. DEFAULT. Mortgagor will be in default if any of the following occur: A. Payments. Mortgagor fails to make a payment in full when due. B. Insolvency. Mortgagor makes an assignment for the benefit of creditors or becomes insolvent, either because Mortgagor's liabilities exceed Mortgagor's assets or Mortgagor is unable to pay Mortgagor's debts as they become due. C. Death or Incompetency. Mortgagor dies or is declared legally incompetent. 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 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 MICHELE FINKES Wyoming Mortgage WY/4Xnk.astne00505900003326016062901 Y ©1996 Bankers Systems. Inc.. St, Cloud. MN ~" Initials ~. Page 3 - - - v aBed .~sle!!!UI "~ NVIJ 'pnolJ '~s '":>ul 'swa\sAs sJa~ue8 966 L@ A L 061909 L 09l££0000690g00au~se~uXvl AM aB..BJ.l0VIJ Bu!woAM S3)NI~ 313HJIVIJ 'Me1e~uawuOJ!AU3 Aue }O UO!~eIO!A a4~ JO a::>ue~sqns SnOpJeZeH Aue }O aSealaJ paUa~eaJ4~ JO aSealaJ a4~ O~ 5u!~eaJ 6u!paa::>oJd JO 'w!e::> 'uo!~e6qsaAU! paua~eaJ4~ JO 6u!puad Aue S! aJa4~ aAa!laq o~ uoseaJ se4 106e5~JolN se uoos se 5umJM U! Japua1 Amou Aa~e!paww! 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Me aqe::>!ldde a4~ Aq paJ!nbaJ se PloS aq o~ A~JadoJd a4~ }O uo!~dlJ::>sap e pue ales }O a::Jed pue sWJa~ 'aw!~ a4~ 6u!pn::>u! ales }O a::Jqou aA!6 II!M aa~snJl 'sa~eu5!sap aa~snJl se a::Jed pue aw!~ 4::>ns ~e Jo~ueJÐ }O ~saJa~u! pue aim '~45!J lie }O Jeal::> pue aaJ} al~!~ a~nlosqe AaAuo::> pUe 4se::> JO} lapp!q ~sa45!4 a4~ O~ Uo!~::>ne ::>!lqnd ~e sa::>Jed a~eJedas U! JO a04M e se A~JadoJd a4~ lias pue asqJaApe 'Japua1 a4~ }O ~sanbal a4~ ~e 'Apawal pan!wJad Ja4~0 Aue o~ uoq!ppe U! 'II!M aa~snJl '~Ine}ap e S! aJa4~ } 'JaHeaJa4~ ~w!~Aue JO Hne,.ap e }O a::JuaJm::>::>o a4~ uodn Me Aq pap!AOld Jauuew e U! ~uawnJ~sul A~!m::>as S!4~ aso::>aJo} pue anµ oro f'T ,.....¥, '-'0\ t -. ~I'" !i.l~.... ,';', , - - - U"';;¡~'" '}."1' (~ <J ~ "t',j, ,oJ 011 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 Mortgagòr'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, Mortgagor will not be required 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 prohibited by law, Mortgagor waives all homestead ext;!mption rights relating to the Property. 21. APPLICABLE LAW. This Security Instrument 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. 22. JOINT AND INDIVIDUAL LIABILITY AND SUCCESSORS. Each Mortgagor's obligations under this Security Instrument are independent of the obligations of any other Mortgagor. Lender may sue each Mortgagor individually or together with any other Mortgagor. Lender 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 amended 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 ánd the remaining provisions will still be enforceable. 24. INTERPRETATION. Whenever used, the singular includes the plural and the plural includes the singular. The section headings are for convenience only and are not to be used to interpret or define the terms of this Security Instrument. 25. NOTICE, FINANCIAL REPORTS AND ADDITIONAL DOCUMENTS. Unless otherwise required by law, any notice will be given by delivering it or mailing 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 MICHELE FINKES Wyoming Mortgaga WY/4XnKastne00505900003326016062901 Y "'1996 BanKers Systems. Inc,. St. Cloud, MN ~ Initials~ Page 5 - - - ~ ~Slgq!UI "~ NW 'pnolJ '¡S . 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