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State of Wyoming
Space Above This Line For Recording Datu
MORTGAGE
(With Future Advance Clause)
1. DATE AND PARTIES. The date of this Mortgage (Security Instrument) is ........~..~.~..?:0.9.+.................. and the
parties, their addresses and tax identification numbers, if required, are as follows:
MORTGAGOR: DENNIS J HEAlEY
HUSBAND
107945 HWY 89
EINA, WY 83118
SOCIAL SECURITY #: 305-60-0589
LYNDA M HEALEY
WIFE
107945 HWY 89
EINA, WY ,83118
SOCIAL SECURITY #: 522-76-9013
o If checked, refer to the attached Addendum incorporated herein," for additional Mortgagors, their signatures and
acknowledgments.
LENDER:
THE BANK OF JACKSON HOLE
ORGANIZED AND EXISTING UNDER TIlE LAWS OF THE STATE OF WYOI/IIISR]
P.O. BOX 7000, 990 W. BROADWAY
JACKSON, WY 83002
TAXPAYER I.D. #: 83-0257173
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 sale, the following described property:
WI' 6 OF MISTY MEAIDWS ESTATES SUBDTVISION WITHIN THE El/2 OF SECTION, 22, T36N, R119W,
AS SAID SUBDIVISION IS LAID OOWN AND PLATIED IN THE OFFICE OF TIlE LINCDLN CDUNTY
CLERK, LINCDLN CDUNTY, WYCMING.
fO~ RELE.\s.. o~
Mod ~!: }ei
ThiaM Ctrt gage
· UIlr~1f 'GlTlAHS
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The property is located in .~mm~. Q;:!~.......... ..... ... ... ...... .......... ........ at ................................................
(County) ,
..;1. 7.+. .!'1;I;~.TI..~~. .~....................,., .. .~.,... ................. ..... ..............., Wyoming.. !=!,;3.+,],.!:!............
(Address) (City) (ZIP Code)
Together with all rights, easements, appurtenances, royalties, mineral rights, oil and gas rights, all wal~r arid riparian rights,
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 above (all referred to as "Property").
3. MAXIMUM OBLIGATION LIMIT. The total principal amount secured by this Security Instrument at anyone time shall not
exceed $ .?,~9,,9,9.Q...9.9.................................. . 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.
4. SECURED DEBT AND FUTURE ADVANCES, The term" Secured Debt" is defined as follows:
A. Debt incurred under the tenus uf all promissory note(s), contract(s), guaranty(s) or other evidence of debt described
below and all their extensions, renewals, modifications or substitutions. (When referencing the debts below it is
suggested that you include items such as borrowers' names, note amounts, interest rates, maturity dates, etc.)
P~OMISSORY NOTE DATED 6/04/01 IN THE AMOUNT OF $230,000.00
WYOMING - MORTGAGE (NOT FOR FNMA, FHLMC, FHA OR VA USE)
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~1994 a.nkers Systems. Ino., St. Cloud, MN (1,ROO.197,2341) Fa'm R~,MTG,WV 1111 BIB'
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B. All future advances from Lender to Mortgagor or other future obligations of Mortgagor to Lender under any promissory
note, contract, guaranty, or other evidence of debt executed by Mortgagor in favor of Lender executed after this Security
Instrument whether or not this Security Instrument is specifically referenced. If more than one person signs this Security
Instrument, each Mortgagor agrees that this Security Instrument will secure all future advances and future obligations
that are given to or incurred by anyone or more Mortgagor, or anyone or more Mortgagor and others. All future
advances and other furore obligations are secured by this Security Instrument even though all or part may not yet be
advanced. All future advances and other future obligations are secured as if made on the date of this Security Instmment.
Nothing in this Security Instmment shall constitute a commitment to make additional or future loans or advances in any
amount. Any such commitment must be agreed to in a separate writing,
C. All obligations Mortgagor ,owes to Lender, which may later arise, to the extent not prohibited by law, including, but not
limited to, liabilities for overdrafts relating to any deposit account agreement between Mortgagor and Lender.
D. All additional sums advanced and expenses incurred by Lender for insuring, preserving or otherwise protecting the
Property and its value and any other sums advanced and expenses incurred by Lender under the terms of this Security
Instrument,
This Security Instrument will not secure any other debt if Lender fails to give any required notice of the right of rescission.
5. PAYMENTS. Mortgagor agrees that all payments under the Secured Debt will be paid when due and in accordance with the
terms of the Secured Debt and this Security Instrument.
6. PRIOR SECURITY INTERESTS. With regard 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 notices that Mortgagor receives from the holder.
C. Not to allow any modification or extension of, nor to request any future advances under any note or agreement secured
by the lien document without Lender's prior written consent.
7. 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 require Mortgagor to provide to Lender copies of all
notices that such amounts are due and the receipts evidencing Mortgagor's payment. Mortgagor will defend title to the
Property against any claims that would impair the lien of this Security Instrument. Mortgagor agrees to assign to Lender, as
requested by Lender, any rights; claims or defenses Mortgagor may have against parties who supply labor or materials to
maintain or improve the Property.
8. DUE ON SALE OR: ENCUMBRANCE. Lender may, at its option, declare the entire balance of the Secured Debt to be
immediately due and payable upon the creation of, or contract for the creation of, any lien, encumbrance, transfer or sale of the
Property. This right is subject to the restrictions imposed by federal law (12 C.F.R. 591), as applicable. This covenant shall
run with the Property and shall remain in effect until tlle Secured Debt is paid in full and this Security Instrument is released,
9. PROPERTY CONDITION, ALTERATIONS AND INSPECTION. Mortgagor will keep the Property in good condition and
make all repairs that are reasonably necessary. Mortgagor shall not commit or allow. any waste, impairment, or deterioration of
the Property. Mortgagor will keep the Property free of noxious weeris ;md 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 change
in any license, restrictive covenant or easement without Lender's prior written consent, Mortgagor will notify Lender of all
demands, proceedin~s'oClaims.and actions against Mortgagor, and of any loss or,damage to the Property.
Lender or Lender's agents may, at Lender's option, enter the Property at any reas~pable time for the purpose of inspecting the
Property. Lender shall give Mortgagor "notice at the time of or before an iJ}-spedion specifying a reasonable purpose for the
inspection. Any inspection~of .the--- Property shall be entirely for' Lender's benefit and Mortgagor will in no 'way rely on
Lender's inspection.
10. AUTHORITY TO PERFORM. If Mortgagor fails to perform any duty or any of the covenants contained in this Secnrity
Instrument, Lender may, without 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 shall
not create all 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 carried on in a
rcasonablc manncr, Lcnder may take all steps necessary to protect Lender's security interest in the Property, including
completion of the construction.
11. ASSIGNMENT OF LEASES AND RENTS. Mortgagor irrevocably grants, bargains, conveys, mortgages and warrants to
Lender as additional security all the right, title and interest in and to any and all existing or future leases, subleases, 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 ") and rents, issues and profits (all
referred to as "Rents"). 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
Instlument.
Mortgagor agrees that this assignment is immeqiately effective between the parties to this Security Instrument. Mortgagor
agn:es 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 Debt is 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, nutifies Mortgagur of 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 UIuler
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.
@1994 Banker. Systoms, Inc., St. Cloud, MN 11,800,397,2341) Form RE,MTG,WY 11/18/94
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postpone the due date of the scheduled payment nor change the amount of any payment. Any excess will be paid to the
Mortgagor. If the Property is acquired by Lender, Mortgagor's right to any insurance policies and proceeds resulting from
damage to the Property before the acquisition shall pass to Lender to the extent of the Secured Debt immediately before the
acquisition,
19. ESCROW FOR TAXES AND INSURANCE. Unless otherwise provided in a separate agreement, Mortgagor will not be
required to pay to Lender funds for taxes and insurance in escrow,
20. FINANCIAL REPORTS AND ADDITIONAL DOCUMENTS. Mortgagor will provide to Lender upon request, any
financial statement or information Lender may deem reasonably necessary. 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 Instruull:nt and Lender's lien status on the Property.
21. JOINT AND INDIVIDUAL LIABILITY; CO-SIGNERS; SUCCESSORS AND ASSIGNS BOUND. All duties under this
, Sccurity Instrument are joint and individual. If Mortgagor signs this Security Instrument but does not sign an evidence of debt,
Mortgagor does so only to mortgage Mortgagor's interest in the Property to secure payment of the Secured Debt and
Mortgagor does not agree to be personally liable on the Secured Debt. If this Security Instrument secures a guaranty between
Lcndcr and Mortgagor, Mortgagor agrees to waive any rights that may prevent Lender from bringing any action or claim
against Ml?rtgagor or any party indebted under the obligation. These rights may include, but are not limited to, any
anti-deficiency or one-action laws. Mortgagor agrees that Lender and any party to this Security Instrument may extend, modify
or make any changc in thc tcrms of this Security Instrument or any evidence of debt without MOHgagur's L:Unsenl. SUL:h a
change will not release Mortgagor from the terms of this Security Instrument. The duties and benefits of this Security
Instrument shall bind and benefit the successors and assigns of Mortgagor and Lender.
22. APPLICABLE LAW; SEVERABILITY; INTERPRETATION. This Security Instrument is governed by the laws of the
jurisdiction in which Lender 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 bc amendcd or
modified by oral agreement. Any section in this Security Instrument, attachments, or any agreement related to the Secured
Debt that conflicts with applicable law will not be effective, unless that law expressly or impliedly permits 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 llsed to interpret or define the terms of this Security Instrument. Time is of the essence in
this Security Instrument.
23. NOTICE. Unless otherwise required hy law, any notice shall he given hy delivering it or by mailing it by first class mail to
the appropriate party's address on page I of this Security Instrument, or to any other address designated in writing. Notice to
one mortgagor will be deemed to be notice to all mortgagors.
24. WAIVERS. Except to the extent prohibited by law, Mortgagor waives any right regarding the marshalling of liens and assets
and all homestead exemption rights relating to the Property.
25. OTHER TERMS. If checked, the following are applicable to this Security Instrument:
D Line of Credit. The Secured Debt 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.
KR Construction Loan. This Security Instrument secures an obligation incurred for the construction of an improvement on
the Property.
o 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 related to the Property. This Security Instrument suffices as a financing statement
and any carhon, photographic or other reproduction may he filed of record for pnrposes of Article 9 of the Uniform
Commercial Code.
D Riders, The covenants and agreements of each of the riders checked below are incorporated into and supplement and
amend the terms of this Security Instrument. [Check all applicable boxes)
D Condominium Rider 0 Planned Unit Development Rider D Other...................................."...................
o 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 this Security Instrument on the date stated on page 1,
xulJ~.~uuu.u.uf?:{-.Q) . . u . . uJt;.Yie~u~.~~OI
(S_) ~ ~ (D.~) M HEALEY / (D.~)
ACKNOWL~~~~~~mC0mQ ............. ..... ............, COUNTY OF ......~~.'?:~~. .................. ..,} ss.
(Individual) Th" kn I d d b -I' thO 4TH d f .lT1l\TCi' '")QQ1 '
1S lllstrument was ac ow e ge elore me 1S.................... ay 0 .......... ..Y.WiI/.i'.1.. .~. . ........................,
-~y ~~;~i'~ =. .Am). . L~, N )f!~~\L~:'L. . , , ... ....~.. =~;.. .., ... .. \Y".' . ...... .... .. . .... . .. .... . . . . . ... . . . ,.. .
--r -t I Lf' \'I~, =:-;;;;;"'-".'
. .'" K.M. LeVasseur ' .... ......... ,,,-,",M. ,'C.,<"..,....-""-.....'. .........;\...~.. .....,.."......,.
O. - NOTARY PlJBLlC (Notary Pubhc)
: ~i 1E1ON COUNlY, WYOMING -
~JJ:_ MVCOMMISSION EXPIRES
~ JUNE 27,2004
@lSS4 Bankers Systems, Inc., St. Cloud, MN (1,800,397.23411 Form RE.MTG.WY 11/18/94
(page 4 of 4)
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