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Recording requested by:
WELLS FAR GO BAl~'K, N.A
When recorded return to:
Wells Fargo Bank NA
p, O. "BOX 31557
BILLINGS, MT 59107
DOCUMENT MANAGEMENT
87(.233
467 5'~
BOOlC'::___PIl PAGEJ).2 ~_
RECE IVED
LINCOLN COUNTY CLERK
01 JIJL - 2 j~n 9: 02
JEANNE \v':\:.;rJEH
I<EMMEFlER. WYOMiNG
State of Wyoming
REFERENCE #: 20011382600008
Space Above TIUs Line For Recording Data
ACCOUNT #: 0654-654-0451630-0001
1--[,
MORTGAGE
(With Future Advance Clause)
1. DATE AND PARTIES. The date oftms Mortgage ("Security Instrument") is 06/11/2001
and the parties, their addresses and tax identification numbers, if required, are as follows:
MORTGAGOR:DALLAS MARION JENKINS AND IRENE K. JENKINS, HUSBAND AND WIFE,
AS TENANTS BY TII[ [NT I RCTY
o If checked, refer to the attached Addendum incorporated herein, for additional Mortgagors their 8ignatures and
acknowledgments.
LENDER: WELLS FARGO BANK, N.A.
P. 0, BOX 31557
BILLINGS, MT 59107
2. CONVEYANCE. For good and valuable consideration, the receipt and sufficiency of which is acknowledged, and to secure
the Secured Debt (defined below) and Mortgagor's performance under this Security Instrument, Mortgagor grants, bargains,
conveys", mortgages and warrants to Lender, with power of sal~ the following described 'property:
PART uF LOT 4 OF BLOCK 9 TO THE TOWN OF AFION, LINC~N COUNTY;-WVDMING-
BEING MORE
PARTICULARLY DESCRIBED AS FOLLOWS;
BEGINNING AT THE NORTHEAST CORNER OF SAID LOT 4 AND RUNNING THENCE SOUTH 4
RODS;
THENCE WEST 10 RODS;
THENCE NORTH 4 RODS;
THENCE EAST 10 RODS TO THE PLACE OF BEGINNING,
SUBJECT TO RESTRICTIONS, RESERVATIONS, EASEMENTS, COVENANTS, OIL, GAS OR,
MINERAL RIGHTS OF RECORD, IF ANY,
withanaddressof266 JEFFERSON STREET AFTON, WY B3110
and parcel number of 3218 3030304400 together with all rights, easements, appurtenances, royalties, mineral
rights, oil and gas rights, all water and riparian rights, ditches, and water stock and all existing and future improvements,
structures, fixtures, and replacements that may now or at any timc in the future be part of the real estate described above (all
referred to as "Property").
3. MAXIMUM OBLIGA nON LIMIT. The total principal amount secured by this Security Instrument at anyone time shall not
exceed $ '1 9 , 027 . 00 . This limitation of amount does not include interest and other fees and charges validly made
pursuant to this Security Instrument. Also, tIus limitation does not apply to advances made under the tenns of this Security
Instrument to protect Lender's security and to perfonn any oftlle covenants contained in this Security Instrument.
4. SECURED DEBT AND FUTURE ADVANCES. The term "Secured Debt" is defined as follows:
A. Debt incurred under the terms of tile promissory note, revolving line of credit, contract, guaranty or otIler evidence of
debt dated 06/ 11/2001 together with all amendments, extensions, modifications and renewals, and having a
maturity date of 06/ 1 1 / 2031
.: -~,c, All-future ,advanj:es from Lender to Mortgagor under such evidence of debt. All future advances are secured as if made
. on the date of this Security Instrument. Nothing in this Security Agreement shall constitute a comnutment to make
:.',' additional or future loans or advances which exceed tile amount shown in Section 3. Any such commitment must be
agreed to in a separate writing.
\EQI50A (3/2001)
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equivalent documents, Mortgagor shall promptly pay, when due, all dues and assessments imposed pursuant to the Constituent
Documents.
B. Hazard Insurance. So long as the Owners Association maintains, with a generally accepted insurance carrier, a
"master" or "blanket" policy on the Condominium Project or PUD which is satisfactory to Lender and which provides insurance
coverage in the amounts, for the periods, and against the hazards Lender requires, including fire and hazards included within
the term "extended coverage," then Mortgagor's obligation under Section 19 to maintain hazard insurance coverage on the
Property is deemed satisfied to the extent that the required coverage is provided by the Owner's Association policy, Mortgagor
shall give Lender prompt notice of any lapse in required hazard insurance coverage, In the event of a distribution of hazard
insurance proceeds in lieu of restoration or repair following a loss to Property, whether to the unit or to common elements, any
proceeds payable to Mortgagor are hereby assigned and shall be paid to Lender for application to the sums secured by this
Security Instrument, with any excess paid to Mortgagor.
C. Flood Insurance. Mortgagor agrees to maintain flood insurance for the life of the Secured Debt which is acceptable,
as to fornI, amount and extent of coverage to Lender.
D. Public Liability Insurance. Mortgagor shall take such actions as may be reasonable to insure that the Owners
Association maintains a public liability insurance policy acceptable in form, amount, and extent of coverage to Lender.
E. Co~demnation. The proceeds of any award or claim for damages, direct or consequential, payable to Mortgagor in
connection with any condemnation or other taking of all or any part of the Property, whether of the unit or of the common
elements, or for any conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. Such proceeds shall
be applied by Lender to the sums secured by the Security Instrument as provided in Section 18_
F. Lender's Prior Consent. Mortgagor shall not, except after notice to Lender and with Lender's prior written consent,
either partition or subdivide the Property or consent to: (i) tile abandonment or termination of the Condominium Project or
PUD, except for abandonment or termination required by law in the case of substantial destruction by fire or other casualty or in
the case of a taking by condemnation or eminent domain; (ii) any amendment to any provision of the Constituent Documents if
the provision is for the express benefit of Lender; (iii) termination of professional management and assumption of self-
management by the Owners Association; or (iv) any action which would - have the effect of rendering the public liability
insurance coverage maintained by the Owners Association unacceptable to Lender.
G. Remedies. If Mortgagor does not pay condominium or PUD dues and assessments when due, then Lender may pay
them. Any amounts disbursed by Lender under this section shall become additional debt of Mortgagor secured by tllis Security
Instrument. Unless Mortgagor and Lender agree to other tenns of payment, these amounts shall bear interest from the date of
disbursement at the Secured Debt rate and shall be payable, with interest, upon notice from Lender to Mortgagor requesting
payment.
13. DEFAULT. Mortgagor will be in default if any party obligated on the Secured Debt fails to make payment when due,
Mortgagor will be in default if a breach occurs under the tenns of this Security Instrument or any other document executed for
the purpose of creating, securing or guarantying the Secured Debt. A good faith belief by Lender that Lender at any time is
insecure with respect to any person or entity obligated on the Secured Debt or that the prospect of any payment or the value of
the Property is impaired shall also constitute an event of default.
14. REMEDIES ON DEFAULT. In some instances, federal and state law will require Lender to provide Mortgagor with notice of
the right to cure or other notices and may establish time schedules for foreclosure actions, Subject to these limitations, if any,
Lender may accelerate the Secured Debt and foreclose this Security Instrument in a manner provided by law if Mortgagor is in
default.
At the option of Lender, all or any part of the agreed fees and charges, accrued interest and principal shall become immediately
due and payable, after giving notice if required by law, upon the occurrence of a default or anytime thereafter, In addition,
Lender shall be entitled to all the remedies provided by law, the tenus of the Secured Debt, this Security Instrument and any
related documents, including without limitation, the power to sell the Property. All remedies are distinct, cumulative and not
exclusive, and the Lender is entitled to all remedies provided at law or equity, whether or not expressly set forth, The
acceptance by Lender of any sum in payment or partial payment on tile Secured Debt after the balance is due or is accelerated or
after foreclosure proceedings are filed shall not constitute a waiver of Lender's right to require complete cure of any existing
default. By not exercising any remedy on Mortgagor's default, Lender does not waive Lender's right to later consider the event
a default if it continues or happens again.
15. EXPENSES; ADVANCES ON COVENANTS; ATTORNEYS' FEES; COLLECTION COSTS. Except when prohibited by
law, Mortgagor agrees to pay all of Lender's expenses if Mortgagor breaches any covenant in this Security Instrument.
Mortgagor will also pay on demand any amount incurred by Lender for insuring, inspecting, preserving or otherwise protecting
the Property and Lender's security interest. These expenses will bear interest from the date of the payment until paid in full at
the highest interest rate in effect as provided in the terms of the Secured Debt Mortgagor agrees to pay all costs and expenses
incurred by Lender in collecting, enforcing or protecting Lenders' rights and remedies under this Security Instrument. This
amount may include, but is not limited to, attorneys' fees, court costs, and other legal expenses, This amount does not include
attorneys' fees for a salaried employee of the Lender. This Security Instrument shall remain in effect until released. Mortgagor
agrees to pay for any recordation costs of such release,
EQl50C (3/2001)
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jurisdiction in which the Property is located, except to the extent otherwise required by the laws of the jurisdiction where the
Property is located. This Security Instrument is complete and fully integrated, This Security Instrument may not be amended of
modified by oral agreement. Any section in this Security Instrument, attaclunents, or any agreement related to the Secured Debt
that conflicts with applicable law will not be effective, unless that law expressly or impliedly permi~s the variations by written
agreement. If any section of this Security Instrument cannot be enforced according to its terms, that section will be severed and
will not affect the enforceability of the remainder of this Security Instrument. Whenever used, the singular shall include the
plural and the plural the singular. The captions and headings of the sections of this Security Instrument are for convenience
only and are not to be used to interpret or define the terms of this Security Instrument. Time is of the essence in this Security
Instrument. In the event any section of this Security Instrument directly conflicts with any section of a certain Home Equity
Closing Handbook which contains the Account Agreement Terms and Conditions (as applicable), Fixed Rate Note Terms and
Conditions (as applicable), the Arbitration Agreement, and the Agreement to Provide Flood/Property Insurance, all of which I
agree to by signing this Security Instrument, the terms of the Home Equity Closing Handbook shall control.
23. NOTICE. Unless otherwise required by law, any notice shall be given by delivering it or by mailing it by first class mail to the
appropriate party's address on page 1 of tlus Security Instrument, or as shown in Lender's records, or to any other address
designated in writing.
24. WAIVERS. Except to the extent prohibited by law, Mortgagor waives any right regarding the marshalling of1iensand assets,
and hereby releasing and waiving all rights under and by virtue of the homestead exemption laws of this state.
25. OTHER TERMS. If checked, the following are applicable to this Security Instrument:
!K:J Line of Credit. The Secured Deht includes a revolving line of credit provision, Although the Secured Debt may be
reduced to a zero balance, this Security Instrument will remain in effect until released,
Illi!Ll Construction Loan. This Security Instrument secures an obligation incurred for the construction of an improvement
on the Property,
Illi!Ll Fixture Filing. Mortgagor grants to Lender a security interest in all goods that Mortgagor owns now or in the future
and that are or will become fixtures relates to the Property, TIus Security Instrument suffices as a financing statement
and any carbon, photographic or other reproduction may be filed of record for purposes of Article 9 of the Uniform
Commercial Code,
Illi!Ll Additional Terms.
SIGNATURES: By signing below, Mortgagor agrees to the terms and covenants contained in this Security Instrument and in any
attachments, Mortgagor also acknowledges receipt of a copy of tIus Security Instnunent on the date stated on page 1,
ID ~ cffi.
, c; -- /(-- GJ (
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Mortgagor Date
6'~/4cJ/
Mortgagor Date
Mortgagor Date
Mortgagor Date
Mortgagor Date
Mortgagor Date
EQ150E (312001)
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