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000162
RECORDATION REQUESTED BY:
The Jackson State Bank & Trust
Main Office
P.O. Box 1711
112 Center Street
Jackson, WY 13001
WHEN RECORDED MAIL TO:
The Jackson State Bank & Trust
Main Office
P.O. Box 1788
112 Center Street
Jackson, WY 83001
RECEIVED 1/9/2006 at 11 :26 AM
RECEIVING # 915051
BOOK: 609 PAGE: 162
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
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SEND TAX NOTICES TO:
The Jackson State Bank & Trust
Main Office
P.O. Box 1788
112 Center Street
Jackson. WY 83001
SPACE ABOVE THIS LINE I~ FOR RECORDER'S USE ONLY
MORTGAGE
MAXIMUM LIEN. The lien of this Mortgage shall not exceed at anyone time $12,000.00.
THIS MORTGAGE dated November 23, 2005, Is made and executed between Michael R. Jewett, a single man,
whose address is P.O. Box 8353, Jackson, WY 83002 (referred to below as "Grantor") and The Jackson State
Bank & Trust, whose address is P.O. Box 1788, 112 Center Street, Jackson, WY 83001 (referred to below as
"Lender").
GRANT OF MORTGAGE. For valuable consideration, Grantor mortgages and conveys to Lender all ot Grantor's right, tille, and interest in and to
the tollowing described real properly, together with all existing or subsequently erected or affixed buildings, Improvements and tixtures; all easements,
rights of way, and appurtenances; all water. water rights, watercourses and ditch rights (including stock in utilities with ditch or irrigation rights); and all
other rights, royallles, and profits relating to the real property, includi~9. without limitation all minerals, oil, gas, geothermal and similar mailers, (the
"Real Property") located in Lincoln County, State of Wyoming:
Lots 26 and 27 of Star Valley Ranch, Plat 5, Lincoln County, Wyoming according to that plat filed In the
Office of the Lincoln County Clerk
The Real Property or its address is commonly known as 384 Scrub Oak Drive, Thayne. WY 83127.
REVOLVING LINE OF CREDIT. This Mortgage secures the Indebtedness Including, without limitation, a revotvlng line of credit. which
obligates Lender to make advances to Borrower so long as Borrower complies with all the terms of the Note.
Grantor presently assigns to Lender all ot Grantor's right, tille, and Interest in and to an present and future leases of the Property and all Rents from the
Property. In addition, Grantor grants'to Lender a Uniform Commercial Code security interest In the Personal Property and Rents.
THIS MORTGAGE,INCLUDING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND PERSONAL PROPERTY. IS
GIVEN TO SECURE (A) PAYMENT OF THE INDEBTEDNESS AND (B) PERFORMANCE OF ANY AND ALL OBLIGATIONS UNDER THIS
MORTGAGE. THIS MORTGAGE IS GIVEN AND ACCEPTED ON THE FOLLOWING TERMS:
GRANTOR'S WAIVERS. Granlor waives all rights or defenses arising by reason of any "one action" or "anti-deficiency" law, or any other law which
may prevent Lender from bringing any action against Grantor, Including a claim for deficiency to the extent Lender is otherwise entitled to a claim for
deficiency, before or atter Lender's commencement or completion ot any toreclosure action. either judicially or by exercise ot a power of sale.
GRANTOR'S REPRESENTATIONS AND WARRANTIES. Grantor warrants that: (a) this Mortgage is executed at Borrower's request and not at the
request of Lender; (b) Grantor has the full power, right, and authority to enter into this Mortgage and to hypothecate the Property; (c) the provisions of
this Mortgage do not conflict with, or result in a default under any agreement or other instrument binding upon Grantor and do not result In a violation
of any law, regulation, court decree or order applicable to Grantor; (d) Grantor has established adequate means ot obtaining from Borrower on a
continuing basis Information about Borrower's tinancial condition; and (e) Lender has made no representation to Grantor about Borrower (including
without limitation the creditworthiness of Borrower).
PAYMENT AND PERFORMANCE. Except as otherwise provided in this Mortgage, Borrower shall pay to Lender all Indebtedness secured by this
Mortgage as it becomes due, and Borrower and Grantor shall strictly pertorm all Borrower's and Grantor's obligations under this Mortgage.
POSSESSION AND MAINTENANCE OF THE PROPERTY. Borrower and Grantor agree that Borrower's and Grantor's possession and use ot the
Property shall be governed by the to/lowing provisions:
Possession and Use. Until the occurrence at an Event at Detault, Grantor may (1) remain In possession and control of the Property; (2) use,
operate or manage the Properly; and (3) collect the Rents from the Properly.
Duty to Maintain. Grantor shan maintain the Property In tenantable condition and promplly pertorm all repairs, replacements, and maintenance
necessary to preserve its value.
Compliance With Environmental Laws. Grantor represents and warrants to Lender that: (1) During the period of Grantor's ownership of the
Property, lhere has been no use, generation, manutacture, storage, treatment, disposal, release or threalened release ot any Hazardous
Substance by any person on, under, about or from the Property; (2) Grantor has no knowledge ot, or reason to believe that there has been,
except as previously disclosed to and acknowledged by Lender In wriling, (a) any breach or violation at any Environmental Laws, (b) any use.
generation, manufacture, storage, treatmenl, disposal, release or threatened release of any Hazardous Substance on, under, about or trom the
Property by any prior owners or occupants of the Property, or (c) anyaclual or threatened litigation or claims of any kind by any person relating
to such matters; and (3) Except as previously disclosed to and acknowledged by Lender In writing, (a) neither Grantor nor any lenant,
contractor, agenl or olher authorized user of the Property shall use, generate, manutaclure, store, Ireal, dispose of or release any Hazardous
Substance on, under, about or from the Property; and (b) any such activity shall be conducted in compliance with all applicable federal, state,
and local laws, regulations and ordinances, Including without limitation all Environmental Laws. Granlor authotizes Lender and its agents to enter
upon the Property to make such inspections and tests, at Grantor's expense. as Lender may deem appropriate to determine compliance ot the
Pròperty with this section ot the Mortgage. Any Inspections or tests made by Lender shall be for Lender's purposes only and shall not be
construed to creale any responsibility or IlabUlty on the part ot Lender to Grantor or to any other person. The representations and warranties
contained herein are based on Grantor's due diligence in investigating the Property for Hazardous Substances. Grantor hereby (1) releases and
waives any future claims against Lender for indemnity or contribution In the event Grantor becomes liable for cleanup or other costs under any
such laws; and (2) agrees to inpemnlfy and hold harmless Lender against any and all claims, losses, liabilities, damages, penalties, and expenses
which Lender may dlreclly or Indireclly sustain or sutter resulting from a breach of this section of the Mortgage or as a consequence of any use,
generation, manufacture, storage, disposal, release or threatened release occurring prior to Grantor's ownership or Interest in the Properly,
whether or not the same was or should have been known to Granlor. The provisions ot this section of the Mortgage, including the obligation to
Indemnify, shall survive the payment of the Indebtedness and the satisfaction and reconveyance at the lien 01 this Mortgage and shall not be
affecled by Lender's acquisllion of any Interest In the Property, whether by foreclosure or otherwise.
Nuisance, Waste. Granlor shall not cause, conduct or permit any nuisance nor commit, permit, or suffer any stripping ot or waste on or to the
Property or any portion at the Properly. WithoutlirnJting Ihe generality of the toregoing, Grantor will not remove, or grant to any other party the
right to remove, any limber, rnJnerals (including oil and gas), coal, clay, scoria, soil, gravel or rock products without Lender's prior written consent.
Removal of Improvements. Grantor shall not demolish or remove any Improvements trom the Real Properly wllhout Lender's prior written
consent. As a condition 10 the removal of any Improvements, Lender may require Granlor to make arrangements satistactory 10 Lender to replace
such Improvements with Improvemenls ot at least equal value.
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Loan No: 33106618
MORTGAGE
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Lender's Right to Enter. Lender and Lender's agents and representatives may enter upon the Real Property at all reasonable times to attend to
Lender's Interests a?,d to inspect the Real Property for purposes of Grantor's compliance with the terms and conditions of this Mortgage.
Compttance wllhGoVf¡lrnlflental Requlremerits..Grantor shall promplly comply with all. laws, ordinances, and regulations, now or herE!after in
effect, of all governlflE!ntal au~horillE!s applicable, to the . USE! or occupancy of .the Propørty,. inclUding wilhÇ>utlimilation, the American$. With
Disabilities Act.· Grantor may cóntest in good' faith any such law, ordinance, or regulation and withhold compliance dUring any procéediÖg;
including appropriate appeals. so long as Grantor has notified Lender in wriling prior to doing so and so long as, in Lender's sole opinion,
Lender's interests· in the Property are not jeopardized. Lender may require Grantor to post· adequate security or a surety bond, reasonably
satisfactory to Lender, to protect Lender's interest.··· . . .
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Duty to Protect. Grantor agrees neilher to abandon or leave unattended the Property. Grantor shall do all other acts, In addition to those acts set
forth above in this section, which from the character and use of the Property are reasonably necessary to protect and preserve the Property.
DUE ON SALE - CONSENT BY LENDER. Lender may. al Lender's option, declare immediately due and payable all sums secured by this Mortgage
upon the sale or transfer, without Lender's prior written consent, of all or any part of the Real Property, or any interest In the Reat Property. A "sale or
transferM means the conveyance of Real Property or any right, title or interest in the Real Property; whether legal, beneficial or equitable; whether
volunlary or involuntary; whether by outright sale, deed, installment sale contract, land contracl, contract for deed, leasehold interest with a term greater
than three (3) years, lease-option contract, or by sale, assignment, or transler 01 any beneliclal interest in or to any land Irust holding title to the Real
Property, or by any other method of conveyance of an Interest in the Real Property. If any Grantor is a corporation, partnership or limited liability
company, transfer also Includes any change In ownership 01 more than twenty-five percent (25%) of the voting stock, partnership interests or timited
liability company interests, as the case may be, Of such Grantor. However, this option shall not be exercised by Lender if such exercise is prohibited by
federal law or by Wyoming law.
TAXES AND LIENS. The following provisions relating to the taxes and liens on the Property are part of this Mortgage:
Payment. Grantor shall pay when due (and in all events prior to delinquE!ncy) all taxE!s, payroll taxes, spE!cial taxes, assessments, water charges
and sewer servicE! charges levied against or on account of the Property, and shall pay when due all claims for work done on or for services
rendered or material furnished to the Property. Grantor shall maintain the Property free of any liens having priority over or equal to Ihe interesl of
Lender under this Mortgage, except for the Existing IndE!btedness referred to in this Mortgage or those liens specifically agreed to in wrillng by
Lender, and except for the lien of taxes and assessments not due as furl her specified in the Right to Contest paragraph.
Right to Contest. Grantor may withhold payment of any tax, assessment, or claim in connection with a good faith dispute over the obligation to
pay, so long as Lender's interest In the Property is not jeopardized. If a lien arises or is filed as a result of nonpayment, Grantor shall within fifteen
(15) days after the lien arises or, if a lien is fil\i d, within fifteen (15) days after Grantor has notice of the liling, secure the discharge 01 the lien, or If
requested by Lender~ deposit with Lender cash or a sufficient corporate surety bond or other security satislaètory to Lender in an amount sufficient
to discharge the lisn pIus any costs and reasonable attorneys' fees, or other charges that could accrue as a' result of a foreclosure or sale under
the lien. hi a·nico'ntest,·Granior'sháll defend itself and Lender and shall satisfy any adverse judg·menfbeforeånforcement against Ihe Property;
Grantor shall namé Lender :äs an addiiionarobligee 'u'nderàriy surely bond furnished in the coniest proèeedings:·' '. .. ... .' .'
Evtdence of Payment. Graritorshall upon, demand furnish to Lender satisfactory evidence of payment of the taxes.ói assessments and shall.
authorize the appropriate governmental official to deliver to Lender at any time a written statement of the taxes and assessments against the
Property.
Notice of Construction. Grantor shall notify Lender at least fifteen (15) days before any work is commenced, any services are furnished, or any
materials are supplied to the Property, if any mechanic's lien, malerialmen's lien, or other lien could be asserted on account of the work, services,
or materials. Grantor will upon request of Lender furnish to Lender advance assurances satisfactory to Lender that Grantor can and will pay Ihe
cost of such Improvements.
PROPERTY DAMAGE INSURANCE. The following provisions relating to Insuring the Property are a part of this Mortgage:
pjialntenance of Insurance. Grantor shall procure and maintain policies of fire insurance with standard extended coverage endorsements on a
replacement basis for the full insurable value covering all Improvements on the Real Property In . an amount sufficient to avoid application of any
coinsurance· clause, and with a standard. mortgageß.,clause in faY.Of of Lend~r... Gr.antQr .~h.all.. also .procl)re lind ,maintain comprehensive general
liability Insurance in such coverage amounts as Lender may request with Lender being named as additional insureds in such liability insurance
policies. Additionally, Grantor shall maintain such other insurance, including but not limited to hazard, business interruption and boiler Insurance
as Lender may require. Policies shall be written by such insurance companies and in such form as may be reasonably acceptable to Lender.
Grantor shall deliver to Lender certificates of coverage from each insurer containing a stipulation that coverage will not be cancelled or diminished
without a minimum of ten (10) days' prior written notice to Lender and not containing any disclaimer of the insurer's liability for failure to give such
notice. Each insurance policy also shall Include an endorsement providing thai coverage in favor of Lender will not be impaired in any way by any
act, omission or default of Grantor or any other person. Should the Real Property be located in an area designated by the Director of the Federal
Emergency Management Agency as a special flood hazard area, Grantor agrees to obtain and maintain Federal Flood Insurance, if available,
within 45 d,ays after notice Is given by Lender that Ihe Property Is located in a special flood hazard area, for the full unpaid principal balance of the
loan and åny prior liens on the property securing Ihe loan, up to the maximum policy limits set under the National Flood Insurance Program, or as
otherwise required by Lender, and to maintain such insurance for the term of the loan.
Application of Procel;lds. Grantor shall promplly notify Lender of any loss or damage to the Property.. Lender may ,make proof of loss if Grantor
fails to do so within fifteen ,(15) days 9f the casually. Whether or not Lender's security is impaired, Lender may,at Lender's elec!ion, receive and
retain the proceeds 9f Jiny Insurance and apply the pro<;eeds to th~ reduc\ion 01 the Indebtedness, payment 01 any lien !'Iffecting the.. Property, or
the restoration and· repair of the Property. 1/ Lender elects to apply Ihe proceeds to restoration and 'repair, Grantor shall 'repair or· replace the
damaged or destroyed Improvements in a manner satisfactory to Lender. Lender shall, upon satisfactory proof of such expenditure, payor
reimburse Grantor from the proceeds for the reasonable cost of repair or restoration if Grantor is not in default under this Mortgage. Any proceed!\
which have not been disbursed within 180 days after their receipt and which Lender has not committed to the repair or restoration of the Property
shall be used first to pay any amount owing to Lender under this Mortgage, then to pay accrued interest, and the remainder, If any, shall be
applied to the principal balance of the Indebtedness. If Lender holds any proceeds after payment in full of the Indebtedness, such proceeds shall
be paid to Grantor as Grantor's Interests may appear.
Compliance with existing Indebledness. During the period in which any Existing Indebtedness described below Is in effect, compliance with the
insurance provisions contained In the Instrument evidencing such Existing Indebtedness shall constitute compliance with the insurance provisions
under this Mortgage, to the extent compliance with the terms of this Mortgage would constitute a duplication of insurance requirement. If any
proceeds from the Insurance become payable on loss, the provisions in this Mortgage for division of proceeds shall apply only to that portion of
the proceeds not payable to the holder of the Existing Indebtedness.
LENDER'S EXPENDITURES. 1/ any action or proceeding is commenced that would m.alerially affect l.en,d~(SinteIestin the ProP-arty orJf G(antor fails.
to comply with any provision of this Mortgage or any Related Documents, including but not limited to Grantor's failure to comply with any obligation to
maintain Existing Indebtedness in good standing as required below, or to discharge or pay when due any amounts Grantor is required to discharge or
pay under this Mortgage or any Related Documents, Lender on Grantor's behall may (but shall not be obligated to) take any action that Lender deems
appropriate, including but not limited to discharging or paying all taxes, liens, security interests, encumbrances and other claims, al any time levied or
placed on the Property and paying all costs for insuring, maintaining and preserving the Property. All such expenditures incurred or paid by Lender for
such purposes will then bear interest at the rate charged under the Note from the date incurred or paid by Lender to the date of repayment by Grantor.
All such expenses will become a part of the Indebtedness and, at Lender's option, will (A) be payable on demand; (B) be added to the balance of
the Note and be apportioned among and be payable with any installment payments to become due during either (1) the term of any applicable
Insurance policy; or (2) the remaining lerm of the Note; or (C) be treated as a balloon payment which will be due and payable at the Note's maturity.
The Mortgage also will secure payment 01 these amounts. Such right shall be in addition to all other rights and remedies to which Lender may be
entilledup,on Default. .. .
WA~RANTY;.DEFENSE OF TITLE; The following provisions relating to ownership 01 the Property are a part of this Mortgage:
:ntle. Grantor warrants that: (a) Grantor holds good and markelable tille of record to the Property in fee simple, free and clear of all liens and
encumbrances other .lhan'. those set forth·· in the R¡;¡al Property description or in the Existing . Indebtedness section ·below or I'" any litle' Insurance
policy,litle report. or final title opinion Issued in favor of. and accepted by, Lender in connection with this Mortgage, and (b) Grantor has the fuU
right, power, and authority to execute and deliver this Mortgage to Lender.
Defense. of Title. Subject to the exception in the paragraph above. Grantor warrants and will forever defend the IIIle to the Property against the
lawful claims of all persons. In the event any action or proceeding Is commenced that questions Grantor's tille or the Interest of Lender under this
Morigage, Grantor shall defend the action at Grantor's expense. Grantor may be the nominal party In such proceeding, but Lender shall be
entitled to participate in the proceeding and to be represented in the proceeding by counsel 01 Lender's own choice, and Grantor will deliver, or
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OSlS051
Loan No: 33106618
MORTGAGE
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cause to ~e delivered, to Lender such instruments as Lender may request from time to time to permit such participation.
Compliance With Laws. Grantor warrants that the Property and Granlor's use of the Property complies wllh all existing applicable laWs,
ordinances, and regulatl~ns of governrpent~' ~uthorllies.
Survival of Representations and Warranties. . All representations, warranties, and agreements made by Grantor In this Mortgage 'shall survive
the execution and delivery of this Mortgage, shall be continuing in nature, and shal!remaln In fuUforce and effect untU such time as Borrower's
Indebtedness shall be paid In full.:. . . .. . . ., .
EXISTtNG INDEBTEDNESS. The following provisions concerning Existing Indebtedness are a part of this Mortgage~
existing Lien. The lien of this Mortgage securing the Indebtedness may be secondary and inferior to an existing lien. Grantor expressly
covenants and agrees to pay, or see to the payment of, the Existing Indebtedness and to prevent any defauU on such indebtedness, any defautt
under the instruments evidencing such indebtedness, or any defaull under any security documents for such indebtedness.
No Modification. Grantor shall not enter Into any agreement with the holder of any mortgage, deed of trust, or other security agreement which
has priority over this Mortgage by which that agreement is modified, amended, extended, or renewed wllhout the prior written consent of Lender.
Grantor shall neither request nor accept any future advances under any such securlly agreement without the prior wrillen consent of Lender.
CONDEMNATION. The following provisions relating to condemnation proceedings are a part of this Mortgage:
Proceedings. If any proceeding In condemnation Is filed, Grantor shall promptly notify Lender In writing, and Grantor shall promptly take such
steps as may be necessary to defend the action and obtain Ihe award. Grantor may be the nominal party In such proceeding, but Lender shall be
enlilled te:¡ par,ticipªt~ in.th!l proceec!llJgand to bEi r~presented in the pr!>C~~.d.il)gby counsel 9' it~ own choice, afld Grant9r will deliver or cause to
be delivered to Lender such instruments and docùmentation as may be requested by Lender from time to lime to permit sUch participation.
Application of Net Proceeds. If all or any part of the Property is condemned by eminent domain proceedings or by any proceeding or purchase
In tleu of condemnation, Lender may at its election require that aU or any portion of the net proceeds of the award be applied to the Indebtedness
or the repair or restoration of the Property. The net proceeds of the award shall mean the aWard after payment of all reasonable costs, expenses,
and attorneys' fees incurred by Lender in connection with the condemnation.
IMPOSITION OF TAxES, FEES AND CHARGES BY GOVERNMENTAL AUTHORITIES. The followlf\g provisions relating to governmental taxes, fees
and charges are a part of this Mortg~ge:
Current Taxes, Fees and Charges. Upon request by Lender, Grantor shall execute such documents in addition to this Mortgage and lake
whatever other action is requested by Lender .to perfect and continue Lender's lien on the Real Property. Grantor shall reimburse Lender for aU
taxes, as described below, together with all expenses incurred In recording, Perfecting or continuing this Mortgage, Including without limitation aU
taxes, fees, documentary stamps, and other charges for recording or registering this Mortgage.
Táxes. The fOllowing 'shall constitute taxestp which this section applies: (1). a specific tax upon thi.s type of. Morigage or upon all or any part .01
the Indebtedness secuf~d by this Mortgag~;· (2). a speSifictax on Borr~wer which Borrower is authorized o(:required to deduct frorn payments
bn the Indebtedness secured by this type of Mortgage; (3) a tax on this type of Mortgage chargeable against the ~ender or the ,holder of the
Note; and (4) a specific tax on all or any portion of the Indebtedness or on payments of principal and Interest made by Borrower. ...
Subsequent Taxes. If any tax 10 which this section applies is enacted subsequent· to the date of this Mortgage, this event shall have the same
effect lis' an Event of Default, and Lender may exercise any or all of its available remedies for an Event of Default as provided below unless Granior
either (1) pays the tax before it becomes delinquent, or (2) contests the tax as provided above In the Taxes and Liens section and deposits with
Lender cash or a sufficient corporate surety bond or other security satisfactory to Lender.
SECURITY AGREEMENTj FINANCING STATEMENTS. The following provisions relating to this Mortgage as a securlly agreement are a part of this
Mortgage:
Security Agreement. This instrument shall conslllute a Security Agreement to the extent any of the Property constilulesfixtures, and Lender shaH
have all 01 the rights of a secured party under the Uniform Commercial Code as amended from time to time.
Security Interest. Upon request by Lender, Grantor shall take whatever action is requested by Lender to perfect and continue Lender's security
Interest In the Rents and Personal Property. In addition, to reGording this Mortgage in the real property records,· Lender may, at any time and
without further authorization from Grantor, file executed counterparts, copies or reproductions of this Mortgage as a financing statement. Grantor
shall reimburse Lender for all expenses Incurred in perfecting or continuing this security interest. Upon default, Grantor shall not remove, sever or
detach the Personal Properly Irom the Property. Upon defaull, Grantor shall assemble any Personal Property not affixed to the Property In a
manner and at a place reasonably convenient to Grantor and Lender and make it available to Lender within three (3) days after receipt of written
demand from Lender to the extent permllled by applicable law.
Addresses. The mailing addresses of Grantor (debtor) and Lender (secured party) from which Information concerning the security Interest
granted by this Mortgage may be obtained (each as required by the Uniform Commercial Code) are as stated on the first page of this Mortgage.
FURTHER ASSURANCESj ATTORNEY-IN-FACT. The loll owing provisions relating to further assurances and attorney-In-fact are a part of this
Mortgage:"': ' ' . . . . .. ..
Further Assurances. At any time, and frqmtime to time, upon request 01 Lender, Grantor will make, execute and deliver, or will cause to be
made, executed or delivered, to Lender or tp Lender's designee, and when requested by Lender, cause to be filed, recorded, refiled, or
rerecorded, as the case may be; at such times and In such offices and places as Lender maYde,em ·appropriate, any and all such mortgages,
deeds of trust, security deeds; security agreements, financing statements, continuation statements,. Instruments. of further assurance, certificates,
and ottjerdocuments as may, in the sole oplriioriof Lender,· be necessary or desirable ¡norder to effectuate, complete, perfect, continue, or
preserve (1) Borrower's and Grantor's. obligations Under the Note, this Mortgage, 'and the Related Documents, and· (2) the liens and security
interests created by this Mortgage' o'n the Property; whet tier now owned or hereafter acquired by Grantor. Unless prohibited by law or Lender
agrèes to the contrary In writing, Grantor shall reimburse Lender for all costs and expenses incurred In connection with the matters referred to In
this paragraph.
Attorney-In-Fact. If Grantor fails to do any of the things referred to in the preceding paragraph, Lender may do so for and In the name of Grantor
and at Grantor's expense. For such purposes, Grantor hereby irrevocably appoints Lender as Grantor's attorney-In-fact for the purpose 01
making, executing, delivering, filing, recording, and doing all other things as may be necessary or desirable, in Lender's sole opinion, to
accomplish the mailers referred to In the preceding paragraph.
FULL PERFORMANCE. If Borrower pays all the Indebtedness when due, and otherwise performs all the obligations Imposed upon Grantor under this
Mortgage, Lender shall execute and deliver to Grantor a suitable satisfaction of this Mortgage and suitable statements of termination of any financing
statement on file evidencing Lender's security interest In the Rents and the Personal Property. Grantor will pay, if permitted by applicable law, any
reasonable termination fee as. d.etermlnedby Lender f[om tirne to time. , . ,. . . ',..
EVENTS OF DEFAULT. Each of the following, at Lender's option, shall constitute an'Event of Default under this Mortgage:
Payment Default. Borrower fails to make any payment when due under the Indebtedness.
Default on Other Payments. Failure Of Grantor within the time required by this Mortgage to make any payment for taxes or Insurance, or any
other payment necessary to prevent filing of or to effect discharge of any lien.
Other Defaults. Borrower or Grantor falls to comply with or to perform any other term, obligation, covenant or condition contained In this
Mortgage or In any of the Related Documents or to comply with or to perform any term, obligation, covenant or condition contained In any other
agreement between Lender and Borrower or Grantor.
. .
Default In Favor of Thtrd Parties. Should Borrower or any Grantor default underány loan, exle·nsion of credit, security agreement, purchase or
sales agreement. or any other agreement, In favor of any other creditor or person that may materially affect any of Borrower's or any Grantor's
property or Borrower's abUity to repay the Indebtedness or Borrower's or Grantor's ability to pertorm their respective obligations under this
Mortgage or any related document: ... '. ' " . ," .", '..' .
F:aI~e sí~t~~'ents:, ;~~i \V¿~ranty,' 'rlilpres~rit~ilon:; ~r' ~i~íè~~'nt mádeor fur~lsh~d.to Lende(bY 80r~ow~r or ,Gr~910r ·or on· B~rrower's' 0;, ~rånt~r's
,behalf under tI~ls Mortgag~",or ,the Related, Docu!J1ent~i~ false or 1T)1~leading In any IT)a!erlal respect, eith.er now, or at the .time macfe .or furnls~ed or
becomes false or misleading at any time thereafter. .. .
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Defective Collaterallzatlon. .Thls Mortgage or any of the Related Documents ceases to be in full force and effect (Including failure of any collateral
document to create a valid and perfected securlly Interest or lien) at any time and for any reason.
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Loan No: 33106618
OSjt50S1
MORTGAGE
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Death or Insolvency. The dissolution or termination ot Borrower's or Grantor's existence as a going business, the insolvency ot Borrower or
Grantor, the appointment ot a receiver tor any part ot Borrower's or Grantor's property, any assignment tor the benetit ot creditors, any type at
çr!3ditor workout,orthe:·9qr,nr:nenc~~ent.~t ~rY )r~~~din9l!nder any bankruptcy or Insolvency laws by or against Borrower or Grantor.
Creditor ~r Forfeiture Proceedings.' Comme.ncemenl· of foreclosure. or forfeUuré. proceedings,.· whether.~Y!udlctalproèeedin'Q,·. Se!f:::help~.
repossession or any other method, by any credilor ot Borrower or Grantor or by any governmental agency agalnst.any property secu( n~the
Indebtedness. This includes a garnishment ot ~ny of Borrower's or Grantor's accounts, including ·deposit accoUnts,with Lender. However, this
Event otDefauU shall nor apply It there is a good failh dispute by Borrower or Grantor as to the validity or reasonableness of the claim which Is the
basis ot the creditor or tortE iture proceeding and it Borrower or Grantor gives Lender written notice ot the. credilor or torteiture proceeding and
deposils wilh Lender monies or a surety bond for the creditor or torfeUure proceeding, In an amount determined by Lender, in ils sole discretion,.
as being an adequate reserve or bond tor the dispute.
Existing Indebtedness. The payment at any installment ot principal or any Interest on the Existing Indebtedness Is not made within Ihe time
required by the promissory note evidencing such indebtedness, or a detault occurs under the Instrument securing such Indebtedness and is not
cured during any applicable grace period in such Instrumenl, or any suit or other action is commenced to foreclose any existing lien on the
Property.
Breøch of Other Agreement. Any breach by Borrower or Granlor under Ihe terms of any other agreemenl between Borrower or Granlor and
Lender that Is not remedied within any grace period provided therein, including wllhoutlimitallon any agreement concerning any Indebtedness or
other obligation ot Borrower or Grantor to Lender, whether existing now or later. .
Events Affecting Guarantor. Any of the preceding events occurs with respect to ·any Guarantor ot any ot the Indebtedness or any Guarantor dies
or becomes Incompetent. or revokes or disputes the validity ot, or liability under, any Guaranty ot the Indebtedness. In the event ot a death,
lender, at ils option, may, but shall not be required to, permillhe Guarantor's estate to assume unconditionally the obligations arising under the
guaranty In a manner satisfactory to lender, and, In doing so. cure any Event of DefauU.
Adverse Chønge. A material adverse change occurs in Grantor's financial condition, or Lender believes the prospect ot payment or pertormance
ot the Indebtedness Is Impaired.
Right to Cure. It any detauU, other than a detauU in payment is curable and if Grantor has not been given a notice ot a breach ot the same
provision ot this Mortgage within the preceding twelve (12) months, it may be cured it Grantor, at/er receiving written notice from lender
demanding cure of such default: (1) cures the defauU wilhin fifteen (15) days; or (2) it the cure requires more than tit/een (15) days, immediately
initiates steps which Lender deE ~s In Lender's sole discretion to be sulticient to c;ure the defauU aod thereafter continues and completes aU
reasonable and necessary steps sUlticient to produce compliance as soon as reasonably practical.
, . ... .,"'. '.... -.".. .,.-. ·:_,'.1·"'" . .:1
RIGHTS AND REMEDIES ON DEFAULT,' Upon the occurrence ot an Event ot DetauU and at any time thereat/er, lender, at lender's option, may
exercise anyone or more ot the following rights' and remedies; in addition to any other rightsorremedies provided by law:
Accelerate Indebtedness. lender shall have the right at. its option without notice to Grantor to declare the entire Indebtedness immediately due
and payable, including any prepayment penalty which Grantor would be required toþay. ... . . .
UCC Remedies. With respect to all or any part ot the Personal Property, Lender shall have all the rights and remedies of a secured party under
the Uniform Commercial Code.
Collect Rents. Lender shall have the right, without notice to Borrower or Grantor, to take possession ot the Property, including during the
pendencyo~ toreclosure, whether Judicial or non-Judicial, and collect the Renls, Including amounts past due and unpaid, and apply the net
proceeds, over and above Lender's costs, against the Indebtedness. In furtherance of this right, Lender may require any tenant or other user of
the Property to make payments ot rent or use fees directly to Lender. It the Rents are collected by lender, then Grantor irrevocably designates
lender as Grantor's attorney-in-tact to endorse Instruments received in payment thereot In the name ot Grantor and to negotiate the same and
collect the proceeds. Payments by tenants or other users to Lender In response to lender's demand shall satisfy the obligations tor which the
payments are made, whether or not any proper grounds for the demand existed. Lender may exercise its rights under this subparagraph either In
person, by agent, or through a receiver.
Appoint ReceIver. lender shall have the right to havè ·a'recelver appolníed to fake possesšionöt all or any þart 0( the Property, with the power 10
protect and preserve the Property, to operate the Property preceding toreclosure or sale, and to collect the Rents trom the Property and apply the
proceeds. over and above the cost ot the receivership, against the Indebtedness. The receiver may serve without bond if permitted by law.
lender's right to the appointment ot a receiver shall exist whether or not the apparent value. ot the Property exceeds the Indebtedness by a
substantial amount. Employment by Lender shall not disquality a person from serving as a receiver.
Judicial Foreclosure. Lender may obtain a judicial decree foreclosing Grantor's interest In all or any part of the Property.
Nonjudlcløl Sale. lender may foreclose Grantor's interest in all or in any part ot the Property by non-judicial sale, and specifically by "power of
sale" or "adverlisement and sale" loreclosure as provided by statute.
i
Deficiency JUdgment. It permitted by applicable law, lender may obtain a judgment for any deficiency remaining in the tndebtedness due to
Lender at/er application at all amounts received trom the exercise ot the rights provided in this section.
Tenancy øt Suff~rance. il Grantorremain!! In possession ot the Property at/er the Property is sold as provided above or Lender otherwise
becomes entiUec to Pos!!EI~slon ot the. Pr,?perty upon . default ot Grantor, Grantor shall become a !eflant at sufferance of Lender or the purchaser
of the Property. an(tsb,a~, at l~~d~r'soption,· either (1) . pay a reasonable rental tor ,thè U!¡8 of ,tre ~r~pe~ty, or (2) vacate the Property
immedl~tely upon the demand ot.Lender: . ... .. .... .. .. . .~ ... .'''.... - . .. ,.., ',..
Öther Remedies. lender shall have all. other rights and remedies provided in this Mortgage or Ihe Note or available at law or in equity.
Søle of the Property. To ·the ·extent permitted by applicable law, Borrower and Grantor hereby waive any and all right to have the Property
marshalled. In exercising Its rights and remedies, Lender shall be free to sell all or any part ot the Property together or separately, In one sale or by
separate sales. Lender shall be entitled to bid at any public sale on all or any portionot the Property.
Notice of Søle. Lender shall give Grantor reasonable notice ot the time and place of any public sale ot the Personal Property or of the time after
which any private sale or other Intended disposition ot the Personal Property is to be made. Reasonable notice shall mean notice given at least
ten (10) days betore the time ot the sale or disposition. Any sale of the Personal Property maybe made In conjunction with any sale ot the Real
Property.
Election of Remedies. Election by lender to pursue any remedy shall not exclude pursuit of any other remedy, and an election to make
expenditures or to take action to perform an obligation ot Grantor under this Mortgage, after Grantor'stallure to pertorm, shall not affect lender's
right to declare a default and exercise Its remedies. Nothing und¡¡r this Mortgage .Of otherwise shall be.construeQ. so as to limil or restrict the rig~t$
and remedies available to Lender following an Event of Default, or in any way to limit or restrict the rights and ability of Lender to proceed direclly
against Grantor and/or Borrower and/or against any other co-maker, guarantor, surety or endorser and/or to proceed against any other collateral
direclly or indlreclly securing the Indebtedness.
Attorneys' Fees¡ Expenses. It Lender Institutes any suit or action to entorce any ot the terms of this Mortgage, Lender shall be entiUed to recover
such sum as the court may adjudge reasonable as attorneys' fees at trial and upon any appeal. Whether or not any court action is involved, and
to the extent not prohibited by law, all reasonable expenses Lender incurs that in Lender's opinion are nE cessary at any time for the protection of
its interest or the enforcement of its rights shall become a part ot the Indebtedness payable on demand and shall bear Inlerest at the Note rate
from the date of the expenditure until repaid. Expenses covered by this paragraph Include, without limitation, however sUbject to any limits under
applicable law, Lender's reasonable attorneys' fees and Lender's legal expenses whether or not there Is a lawsuit, including reasonable attorneys'
fees and expenses tor bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunction), appeals, and any
anticipated post-judgment collection services, the cost of searching records, obtainingtille reports (including foreclosure reports), surveyors'
reports, and appraisal fees and title insurance, to the extent permitted by applicable law. ,Granlor·also will pay any court costs, in addition to all
other sums provideq by law. .
NOTICES. Any notice required to be given under this Mortgage, including withoullimilation any notice of default and any notice of sale shaH be given
in writing, and shall. be effective when actually, delivered, when actually received by leletacsimile (unless otherwise Jequired by law), when deposited
with a nationally recognized overnight courier,or, if mailed, when deposited in the United States mail, as tirst class. certitied or registered mall postage
prepaid, directed to the addresses shown near the beginning ot this Mortgage. All copies at notices of foreclosure trom Ihe holder of any lien which
has priority'dver this Mortgage shall be sent to Lender's address, as shown near the beginning ot this Mortgage. Any party may change its address tor
nolices under this Mortgage by giving formal written notice to the other parties, specifying that the purpose ot the notice Is to change the party's
address. For notice purposes, Grantor agrees to keep Lender informed al all times of Grantor's current ¡:¡ddress. Unless otherwise provided or
required by law, if there Is more than one Grantor, any notice given by lender to any Grantor is deemed to be notice given to all Grantors.
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Loan No: 33106618
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MORTGAGE
(Continued)
00166
Page 5
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MISCELLANEOUS PROVISIONS. The following miscellaneous provisions are a part of this Mortgage:
Amendmenls. This Mortgage, together with any Related Documents, constitutes the entire understanding and agreement of the parties as to the
matters set forth In this Mortgage. No alteration of or amendment to this Mortgage shall be effective· unless given In writing· and signed by the
party or parties sought to be charged or bound by the alteration Of'amendment. .,; ,;' . . '. "'. . :.
Annual Reports., ,If the Property Is used for purposes other than Grantor's residence, GrantOf' shall furnish to Lender, upon request, a certified
statement of net operating Income received from the Property during Grantor's previous fiscal year In such form'and' detail as Lender shall requlrê.
·Net operating income· shall mean all cash receipts Irom the Property less all cash expenditures made In connection With the operation 01 the
Property.
Caption Headings. Caption headings In this Mortgage are fOf' convenience pUrposes only and are not to be· used to Interpret or define the
provisions of this Mortgage.
Governing Law. This Mortgage will be governed by federal law applicable to Lender and, to the extent not preempted by federal law, the
laws of the Stale of Wyoming wllhoul regard to lis conflicts of taw provtslons. This Mortgage has been accepted by Lender In the State
of Wyoming.
Choice of Venue. II there is a lawsuit, GrantOf' agrees upon Lender's request to submit to the Jurisdiction of the courts 01 Teton County, State of
Wyoming.
Joint and Several Liability. All oblig~tions of Borrower and Granto~ und~r thi~ .Mortgage shal! ~e joint an :1 several, and aU refereflc:esto.Gr Jntor
shall ineaneach and evë;y GrantOf', and all relerenèes to Borrower shàll meah each and every Borrower. This means that each Borròwer and
Grantor signing below is responsible lor all obligations In this Mortgage.
No Waiver by Lender. Lender shall not be deemed to have waived any rights under this Mortgage unless such waiver Is given In writing and
signed by Lender. No delay or omission on the part 01 Lender In exercising any right shall operate as a waiver of such right or any other right. A
waiver by Lender of a provision of this MOf'tgage shall not prejudice or constitute a waiver of Lender's right otherwise to demand strict compliance
with that provision or any other provision of this Mortgage. No prior waiver by Lender, nor any course 01 dealing between Lender and Grantor,
shall constitute a waiver of any of Lender's rights or of any of Grantor's obligations as to any luture transactions. Whenever the consent of Lender
Is required under this Mortgage, the granting 01 such consent by Lender in any Instance shall not constitute continuing consent to subsequent
Instances where such consent is required and In all cases such consent may be granted or withheld In the sole discretion 01 Lender.
Severability. If a court of competent ·jLJrlsdlction finds any provision of this MOf'igage to be illegal, invalid, or unenforceable as to any
circumstance, that finding shaD not make the ,offending provision Illegal, Invalid, or unenforceable as to any other circumstance. II feasible. the
offending provision shall be considered modified so that It becomes legal, valid and enforceable. If the ottending provision cannot be so modified,
ìt shall becon.sldered~~letEid (rom this Mortgage~ Unless otherwise required by law, thE! illegali!y, irwalidity, or unenforceabllily of any prQvisionof
this Mortgage shall,n()!,~~~t the legality, validitior~nforçeabUity ofanyothe( provision of this Mdrtgage.. .... ..
·Merger. There shallbe:~õ l11~rge¡' otthelnteresl~r estatecre~ted by this Mortgåge with any~thêr i~ìerest òr estate In the Property at any tlm~
held by or for the benefit 0' Lender In any capacity, without the written consent 01 Lender. .
SuccessPrs and Assigns. SUbject to any limitations stated In this Mortgage on transfer 01 Grantor's interest, this Mortgage shall be binding upon
and inure to the benefit of the parties, their successors and assigns. It ownership of the Property becomes vested In a peirson other than GrantOf',
Lender, without notice to Grantor, may deal with Grantor's successors with reference to this Mortgage and the Indebtedness by way of
forbearance or extension without releasing Grantor from the obligations of this Mortgage or liability under the Indebtedness.
Time Is of the Essence. Time is of the essence in the performance of this Mortgage.
Waiver of Homestead Exemption. Grantor hereby releases and waives all rights and benefits of the homestead exemption laws of the State of
Wyoming as to all Indebtedness secured by this Mortgage.
DEFINtTIONS. The following capitalized words and terms shall have the following meanings when used in this Mortgage. Unless specifically stated to
the contrary, all r~ferences to dollar amounts shall mean amounts in lawful mo~ey of the United. States of America. Words and terms used in the
singular shall Include the plural, and the plural shall include the singular, as the context may require. Words and terms not otherwise delined In this
Mortgage shall have the meanings attributed to such terms in the Uniform Commercial Code:
Borrower: The word "Borrower· means M. R. Jewett Enterprises Inc., a Wyoming corporation and includes all co-slgners and co-makers signing
the Note.
Default. The word "Default· means the Default set forth in this Mortgage in the section titled "Defaull".
Envlronmentat Laws. The words "Çnvironmental Laws· mean any and all stale, federal and local statutes, regulations and ordinances relating to
the protectiòn of human health or the environment, including without limitation the Comprehensive Environmental Response, Compensation, and
Liability Act of 1980, as amended, 42 U.S.C. Section 9601, et seq. ("CERCLA"),lhe Superfund Amendments and Reauthorization Act of 1986, Pub.
L. No;9~99 ("SARA·), the Hazardous Materials Transportation Act. 49 U.S.C, Section 1801, et seq., the Resource Conservation and Recovery
Act, 42 U.S.C. Section 6901, etseq., or other applicable state or federal laws, rules, or regulations adopted pursuant thereto.
Event of Default. The words "Eveni'of Default·metin any of the events of defauUse! forth in this Mortgage In the events of default section of this
Mortgage. .. .,., :.:. ,'.. .. . ..,; ...!: "~', . ... .., .., .., .., " : , ..:. ,.... ..:..': " . ....,.. '.
EXisting tndebtedness. The\yords'''Exlsliriglnd'ebte·dness''mean'the IndebtednêssdescrlbedhilheExistiiigLiens provision 01 this Mortgage.
1'" .,~' _!".~,,, _:,C1:::".·"': ,....::.:, "."'~"." :"'..': '. ',~ '", .:':"' '.," ,_ _., . .~.... ,~.; :,',';. ",' '..~.:,.' ": ,"', '. :, "._; .:.~.; ';' ..
Grantor. ThÚÚ)rd ·Grantor" means Michael R. Jewett. ..
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Guansn."r.. The word ·Guaranto....·mEians any guarantor, sureiy, or accommodation party of any or all of the Indebtedness, .
Guaranty. The word "Guaranty" means the guaranty from Guarantor to Lender, ìncluding without limitation a gu'àrarity òf all oipartof the Note.
Hazardous Substances. The words ·Hazardous Substances· mean materials that, because of their quantity, concentration or physical, chemical
or Infectious characteristics, may cause or pose a present or potential hazard to human health or the environment when improperly used, treated,
stored, disposed of, generated, manufactured, transported or otherwise handled. The words' ·Hazardous Substances· are used in their very
broadest sense and Include without limitation any and all hazardous or toxic substances. materials or waste as defined by or listed under the
Environmental Laws. The term ·Hazardous Substances" also Includes, without limitation, petroleum and petroleum by-products or any fraction
thereof and asbestos.
Improvements. The word ·Improvements· means all existing and future improvements, buildings, structures, mobile homes affixed On the Real
Property, facilities, additions, replacements and other construction on the Real Property.
Indebtedness. The word ·Indebtedness· means all principal, Interest, ànd other amounts, costs and expenses payable under the Note or Related
Documents, together with all renewals of. extensions 01, modifications of, consolidations of and substitutions for the Note or Related Documents
and any amounts expended or advanced by Lender to discharge Grantor's obligations or expenses Incurred by Lender to enlorce Grantor's
obligations under this Mortgage, together with Interest on such amounts as provided in this Mortgage.
Lender. The word "Lender" means The Jackson State Bank & Trust, its successors and assigns.
Mortgage. The word ·Mortgage· means this Mortgage between Grantor and Lender.
Note. The word ·Note· means the promissory note dated November 23, 2005, in the original principal amount of $12,000.00 from
Borrower to Lender, together with all renewals. 01, extensions of, modilications. of, refinancings of, consolidations of, and subslltutions for the
promissory note or agreement The maturity date of this Mortgage is November 23, 2006. NOTICE· TO GRANTOR: THE NOTE CONTAINS. A
VARI~LE IN,TEREST RATE. .. '" . . ... ..," , ...
Personal Property.. The words "Personal Property· meanaWeC ulpment, fixtures, and other I1rticlesol pers~harproperty riowor hereafter Qwriea
by Grantor,a.nd now or hereafter att~ched:or a~fixe~ to the Rea.1 Property; toget~er y.¡it~ I~."a,ccessl,:>~~,~arts, an~ ad~~tlol1s"to,~ fr~pl~cei.nents.,?!,
end all subslltutlons tòr, any'o" such property; 'and together with all proceeds (IncludlOgwlthout IImltallon all insurance proceeds'and refunds of
premiums) from a~ysale,()r. otheq:llsposltion, 01 the Property, . ,., '",."" ''''',:.' ._".? ",: ";<
Property. Theword"Prop~rt~ m~anscotleclively' the Real, Propertyahd the Personal. Property.:. .-., , . ..".,'
Real Property. The woids·"Real Property" mean ìhe real property: interesis and fig tits, asturther described in ihls Mortgage.
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Loan No: 33106618 'J~ (, ~n51,
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Related Documents. The words "Related Documents· mean all promissory notes, credit agreements, loan agreements, environmental
agreements, guaranties, security agreements, mortgages, deeds of trust, security deeds, collateral mortgages, and all other instruments,
agreements and documents, whether now or hereafter existing, executed In connection with the Indebtedness.
Rents. The word "Rents· means all present and future rents, revenues, Income, issues, royalties, profits, and other benefits derived from the
Properly.
GRANTOR ACKNOWLEDGES HAVtNG READ ALL THE PROVtStONS OF THIS MORTGAGE, AND GRANTOR AGREES TO tTS TERMS,
GRANTOR:
INDIVIDUAL ACKNOWLEDGMENT
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STATE OF
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Eduardo Javier l.Iari!\lf)'4. STATE OF
COUNTY OF . WYOMING.
TETON 2009
N EXPIRES Jut~_
On this day before me, the undersigned Notary Public, personally appeared Mtchael R. Jew ~~~Crlbed In and who
executed the Mortgage, and acknowledged that he or she signed the Mortgage as his 0 1iãr' free and voluntary act and deed, for the uses and
purposes therein mentioned. rJ.. . W 0.5
Given under my hand and offtclat seal this 2 g day Of~ ~ 0 ,20.
By -e -"'1 . M..or)..v.. r' '<'/~ Residing at --r (ÂO^ . (0 ,
Notary PUblic In and for the St~te ~f W .......[ My commission expires "/'2 f"! 0 4¡
COUNTY OF .:r l..- ¡..o(\
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