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HomeMy WebLinkAbout870332870332 DATE AND PARTIES. The date of this Mortg ge (Security Instrument) is December 4, 2000. The parties and their addresses are: MORTGAGOR: STEPHEN M TROSCLAIR P 0 BOX 477 DIAMONDVILLE, Wyoming 83116 -04i'7 HUSBAND HEATHER J TROSCLAIR P 0 BOX 477 DIAMONDVILLE, Wyoming 83116 -04;7 WIFE RECEIVED LINCOLN COUNTY cLE aw OEC 19 Ail 10 2 9 JLANNE WAGNER KEMMERER. WYOMING Space AL eve This Line For Recording Data MORTGAGE LENDER: COMMUNITY FIRST NATIONAL BANK Organized and existing under the laws of the United States of America 801 Pine Avenue Kemmerer, Wyoming 83101 STEPHEN M TROSCLAIR Wyoming Mortgage WY/ 3VER040708000000000000001600000017n8 BOOK I d PR PAGE 1. CONVEYANCE. For good and valuable consideration, the receipt and sufficiency of which is acknowledged, and to secure the Secured Debts and Mortga jor's performance under this Security Instrument, Mortgagor grants, bargains, conveys, mortgages and warrants Lender, with the power of sale, the following described property: LOT 2 OF BLOCK 2 OF THE OAKLEY SUB!')IVISION, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF The Property is located in LINCOLN County of 59 COTTONWOOD, KEMMERER, Wyoming 83101. Together with all rights, easements, appurti: nances, royalties, mineral rights, oil and gas rights, all water and riparian rights, wells, ditches and water stoc and all existing and future improvements, structures, fixtures, and replacements that may now, or at any time n the future, be part of the real estate described (all referred to as Property). This Security Instrument will rerr airs in effect until the Secured Debts and all underlying agreements have been terminated in writing by Lender. lnitia 1996 Bankers Systems, Inc., St. Cloud, MN Page 1 e6ed NW 'pno10 19 '•oul 'swelsAS sia,ueg 966L0 /��IelUul 8u LL 0000 00 9 L0000000000000080LOVOd3n /AM a6e6uow BuiwoAM dIV13SOd1 W N3Hd31S •uo!1on11suoo ayl 4o uo!laldwoo 6u!pnlou! 'Awe Jowd ayl w lsalalu! Alunoas s,lapua1 13910ad of Alesseoau sdals Aew Japua 'lauuew algeuoseaa a u! uo pL uleo lou JO panU!luoos!p s! AlladOld ayl. uo uo!1onisuoo Aue 11 •.uawnalsul Al!mmas s!y1 10 Mel 9141 aapun sly6u laylo s,lapual 40 Aue 6urstotaexa, 1r t iapual apnloald lou Mum wlojied of alnl!ej. s,aapual pue 'wJoped of uo!le6!Igo ue alealo lou II!M 1o6e611o!N 1o'. wlo11ad of 146p s,lapual •aouewlo ;lad 104 Alessaoau lunowe Aue Aed 10 aweu s,1o6e611o!Al u6!s o). 1 u! 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Existing or future leases, subleases, licenses, guaranties and any other written or verbal agreements for the use and occupancy of any portion o' the Property, including any extensions, renewals, modifications or substitutions of such agreements (aII refr3rred 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 vvi .h true and correct copies of all existing and future Leases, Mortgagor may collect, receive, enjoy and use the F ents 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 !hat 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 i any of the following occur: A. Payments. Any party obligated on the Secured Debts fails to make payment when due. B. Failure of Condition or Term. Any party obligated on the Secured Debts breaches any term of this Security Instrument or any other document executed for the purpose of creating, securing or guarantying the Secured Debts. C. Insecurity. Anything else happens that causes Lender to reasonably believe that the prospect of payment, performance or the value of the Property L significantly impaired. 13. REMEDIES. Lender may use any and al remedies Lender has under state or federal law or in any instrument evidencing or pertaining to the Secured Deb .s, 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 cf the amount owing by the terms of the Secured Debts immediately due and foreclose this Security Instrument .n a manner provided by law upon the occurrence of a default or anytime thereafter. 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 the Secured Debts after the balance is dL a or is accelerated or after foreclosure proceedings are filed will not constitute a waiver of Lender's right to require complete cure of any existing default. By choosing any one or more of these remedies Lender does not give up Lender's right to use any other remedy. Lender does not waive a default if Lender chooses not to use a remedy, By electing not to use any remedy, Lender does not waive Lender's right to later consider the event a default and :o use any remedies if the default continues or happens again. 14. COLLECTION EXPENSES AND ATTORNEYS' FEES. On or after Default, to the extent permitted by law, Mortgagor agrees to pay all expenses of collection, enforcement or protection of Lender's rights and remedies under this Security Instrument, Mortgagor agrees to pay expenses for Lender to inspect and preserve the Property and for any recordation costs of releasing the Property from this Security Instrument. Expenses include, but are not limited to, reasonable attorneys' fees after default and referral to an attorney not a salaried employee of the STEPHEN M TROSCLAIR Wyoming Mortgage WY 3VE R 0407080000000 00000001600000017n8 Initials 1996 Bankers Systems, Inc., St. Cloud, MN ge 3 Bed emu! NW 'pno10 ;g "Dui 'swelsAS slalueg 9661® u I 8 LL000000910000000000000080LOVOH3A VAM e6136 4PoW 6uiwoAM alVloSOdl W N3Hd3IS e samoas luawn.asul Alunon sm. 41 •sl.gaa pampas 091 uo aigeil Alleuosaad aq of 9916e 1ou saop Jo6e61.1o1,l pue slge j pampas 041 1.0 luawAed ainoas o1 A1JadoJ ay; u! isaaalu! s,JO6e61JolN a6e61JOw of Aluo os saop Jo6e61JOiA! 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Japual seal ;sAawol;e algeuoseaJ a4l Aed 01 saai6e Jo6e6laolN 'apoa Aoldnalue8 sa1e1S pa1!ua 041 Aq pali!waad lualxa ut wed a o s a sWJal 0111 u! 104 pep!noad se 1oa41.a u! 0 W 1saJalu! 1&046iy ay1 le n 4i 1 le a pampas ay; jo Jeaq II!M sasuadxa asayl 'Alale!paww! pled low 41 •AIa1e!paww! a eA Il lua p ied os odx ayl qj .J oaalu! Iq pue anp ale sasuadxa nay' •Japual W 4! S113N9IS OO '6 L guaranty between Lender and Mortgagor, Mortgagor agrees to waive any rights that may prevent Lende fro m 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 exemption 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 jurisd :tion where the Property is located, and the United States of America. 22. JOINT AND INDIVIDUAL LIABILITY t',IJD 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 fin 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 and 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 requests. All financial statements and irformation Mortgagor gives Lender will be correct and complete. Mortgagor agrees to sign, deliver, and file any additional documents or certifications that Lender may consider necessary to perfect, continue, and preserve Mortgagor's obligations under this Security Instrument and to confirm Lender's lien status on any Property, Time is of the essence. SIGNATURES. By signing, Mortgagor agrees to the terms and covenants contained in this Security Instrument. Mortgagor also acknowledges receipt of a copy of this Security Instrument. MORTG R: HEATHER J T OSCLAIR ACKNOWLEDGMENT. (Individual) OF lt iv) COw OF 1Z I, co IL ss. This instrument was acknowledg &d before me this day of Decz a 2 .)Zr?J by STEPHEN M TROSCLAIR, HUSBAND, and HEATHER J TROSCLAIR, WIFE. My commission expires: PAULA WI, F'EREN`T"CHAK Notary Public, State of INyerning County Of Lincoln My Corn niesion Earpire$ 11/16t;°003 4 STEPHEN M TROSCLAIR Wyoming Mortgage WY/ 3 VER 04070 8000000000000001600000017n8 (Notary Public) Initial/ ©1996 Bankers Systems, Inc., St. Cloud, MN Page 5