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This Mortgage
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This Mortgage
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WHEN RECORDED RETURN TO
FIRST NATIONAL BANK -WEST
1001 MAIN ST.
EVANSTON, WY 82930
BOOK PR PAGE 3 8 2
870411
[Space Above This Line For Recording Data]
MORTGAGE
s f, CEl /E
LINCOLN COIN CLERK
CSC DEC 22N'i l5
JEANNE WAGNER
KEMMERER, WYOMING
LOAN NO. 107 260 -40213
THIS MORTGAGE "Security Instrument is given on DECEMBER 21, 2000 The mortgagor is
DUSTIN BURGESS AND ALEESHA BURGESS, husband and wife
"Borrower
This Security Instrument is given to
FIRST NATIONAL BANK -WEST,
A NATIONAL BANKING ASSOCIATIO
which is organized and existing under the laws of US OF AMERICA and whose address is
1001 MAIN ST.
EVANSTON, WY 82930
"Lender
Borrower owes Lender the principal sum of FORTY -NINE THOUSAND FIVE HUNDRED AND 00 /100
Dollars (U.S. 49, 500.00
This debt is evidenced by Borrower's note dated the same date as this Security Instrument "Note which provides for
monthly payments, with the full debt, if not paid earlier, due and payable on JANUARY 1, 2031 This
Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals,
extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to
protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this
Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender, with
power of sale, the following described property located in LINCOLN County, Wyoming:
SEE EXHIBIT "A" ATTACHED
which has the address of 378 ADAMS STREET, AFTON
[Street]
Wyoming 83110 "Property Address");
{Zip Code]
WYOMING Single Family Fantle Mae/Freddie Mac UNIFORM INSTRUMENT
FNMA3051
Page 1 of 7
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WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
FNMA3051
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees
in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith
the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent
the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the
lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain
priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the
lien or take one or more of the actions set forth above within 10 days of the giving of notice.
5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the
Property insured against loss by fire, hazards included within the term "extended coverage" and any other hazards, including
floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the
periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's
approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at
Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7.
All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender
shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts
of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance carrier and
Lender. Lender may make proof of loss if not made promptly by Borrower.
Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of
the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the
restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be
applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. If
Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has
offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore
the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30 -day period will begin
when the notice is given.
Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or
postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of the payments. If
under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting
from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security
Instrument immediately prior to the acquisition.
6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application;
Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after
the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at
least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be
unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall not
destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall
be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment
could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or
Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the
action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the
Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's
security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or
inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection
with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the
Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions
of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender
agrees to the merger in writing.
7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained
in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such
as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may
do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's
actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court,
paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this
paragraph 7, Lender does not have to do so.
Page 3 of 7
384
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WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
FNMA3051
336
13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges,
and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the
loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the
charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be
refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making
a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any
prepayment charge under the Note.
14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by
mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the
Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first
class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any notice
provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided
in this paragraph.
15. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the
jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note
conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which
can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are
declared to be severable.
16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument.
17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in
it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person)
without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by
this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of
the date of this Security Instrument.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of
not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by
this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any
remedies permitted by this Security Instrument without further notice or demand on Borrower.
18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have
enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as
applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this
Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a)
pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had
occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this
Security Instrument, including, but not limited to, reasonable attorneys' fees; and (d) takes such action as Lender may
reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrower's
obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower,
this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred.
However, this right to reinstate shall not apply in the case of acceleration under paragraph 17.
19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security
Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity
(known as the "Loan Servicer that collects monthly payments due under the Note and this Security Instrument. There also
may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer,
Borrower will be given written notice of the change in accordance with paragraph 14 above and applicable law. The notice
will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will
also contain any other information required by applicable law.
20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any
Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the
Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or
storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to
normal residential uses and to maintenance of the Property.
Page 5 of 7
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Witnesses:
STATE OF�
s
COUNTY OF
WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
FNMA3o51
I`""4 PENNY JONES NOTARY
County of State
Wyoming
LL14.1 September 18, 2003
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument
and in any rider(s) executed by Borrower and recorded with it.
SS:
The foregoing instrument was acknowledged before me, a Notary Public, on
by: OUST //i/ .60,e685,5 d 1` `T"l�I!4 46Ufred c-1
Person(s) Acknowledging
In WITNESS WHEREOF, I have hereunto set my hand and official seal.
My Commission expires: 2'-hr-6..3
Page 7 of 7
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DUSTIN BURGESS
ALEESHA BURGESS
333
(Seal)
Borrower
(Seal)
Borrower
Date
,p` otary Public
(Seal)
Borrower
(Seal)
Borrower
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EXHIBIT "A"
Part of Lot 4 of Block 17 to the Town of Afton,
being more particularly described as follows:
Beginning at a point which is 6.5 rods North of
said Lot 4 and running thence West 6 rods;
thence North 3.5 rods;
thence East 6 rods;
thence South 3.5 rods to the point
of beginning.
390
Lincoln County, Wyoming
the Southeast Corner of
ALSO
All the land in Lot 4 of Block 17 of the Townsite of Afton, Lincoln
County, lying and being situate South of the following described portion
of the South boundary line of.,the William I. Baetge tract (subsequently
conveyed to Robert L. Stumpp and Michelle F. Stumpp by instrument
recorded July 11, 1984 in Book 215PR on page 670 of the records of the
Lincoln County Clerk) as :s11own on a plat thereof prepared by Paul N.
Scherbel, Land Surveyor (No. 164) as of 26 June 1984, said south
boundary line segment of said Baetge tract being more particularly
described as follows, to -wit:
Beginning at a point which is N 01 °45'56" E, 214.50 feet, thence
N 87 °58.0 W, 49.50 feet from the Ivan L. Call (Registered Land Surveyor
No. 217) Mueller water cap with hexagon bolt at the approximate
intersection of Adams Street and Fourth Avenue (said beginning point
also being a southeast corner of said Baetge tract, as shown on the said
plat of 26 June 1984 and running thence N 87 °58.0' W, 99 feet, along
said South boundary line, to' the Northeast corner of the Phillip R.
Grosjean tract (as shown on said plat and recorded August 8, 1977 in
Book 138PR on page 306 of the records of the Lincoln County Clerk).