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Home My WebLink About86941802014029 1. DATE AND PARTIES. The date of this Mortgage (Security Instrument) is parties, their addresses and tax identification numbers, if required, are as follows: MORTGAGOR: CHRISTINE R. FRANK WIFE P.O. BOX 4544 JACKSON, WY 83001 SOCIAL SECURITY 520 -94 -5287 LENDER: State of Wyoming (Address) 8694I 6 MORTGAGE (With Future Advance Clause) WYOMING MORTGAGE (NOT FOR FNMA, FHLMC, FHA OR VA USE) ©1994 Bankers Systems, Inc., St. Cloud, MN 11 -800- 397.2341) Form RE- MTG -WY 11/18/94 E LI RECEIVED LINCOLN COUNT;. Cf,._Ef 00 NOV JENriz/ It ER I(EMMERER..WYQMIN.G BOOK__ 1 L 9 PR PAGE Space Above This Line For Recording Data OCTOBER 31, 2000 FREDRIC W. FRANK HUSBAND P.O. BOX 4544 JACKSON, WY 83001 SOCIAL SECURITY 520 -94 -8161 If checked, refer to the attached Addendum incorporated herein, for additional Mortgagors, their acknowledgments. THE BANK OF JACKSON HOLE ORGANIZED AND EXISTING UNDER THE LAWS OF THE STATE OF WYOMING P.O. BOX 7000, 990 W. BROADWAY JACKSON, WY 83002 TAXPAYER I.D. 83- 0257173 and the signatures and 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: LOT 80, NORDIC RANCHES DIVISION NO. 6, LINCOLN COUNTY, WYOMING, ACCORDING '10 THAT PLAT FILED MAY 18, 1996 AS PLAT NO. 311F IN THE OFFICE OF THE LINCOLN COUNTY CLERK. The property is located in LINCOLN at (County) LOT 80 NORDIC RANCHES JACKSON Wyoming 83001 (City) (ZIP Code) 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 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 any one time shall not exceed 47 000.00 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 terms of 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.) PROMISSORY NOTE DATED OCTOBER 31, 2000 IN THE AMOUNT OF $47,000.00 48/8 Id AM-JLW- 311 Wlo4 (Lt' -16C-008-U NW'Pnol3'1S "Dui 'mew •mer eiga3trdde pus sawn' a43 jo swim 0133 glint Xiduoo o; ;usual tine gimbal pus trpnmem o; saal8s osts Io8s8 oyq 'noel linluayprowtrei algeottdde Are JO 3081301 aqa iapun wpm aim ;3ap ou (1143 slu3uirm .3ogrgliow •auawtulsui ,(aunoag sign ut paptno.Id sr patiddr aq mm paloaiioo saunow33 tuy •spun; moo true q ;ins slung aq1 alRupnuIoo ;on ltim pue Iapua-I I03 lsnsl ut s 411013 ,Cue anpoal !pm pus uotssassod s,IO8eSpoy;l m slung jo luamtied titre Iapual o; iangap pus assopua !pm so8e83ioysr ;rna;ap jo aopou Stnniaoal uo •Iapua -I o; �Cpoxlip slung alnln; Iie tied lusua; (us ;1143 spusuap pus ;Ine;ap jo Io8e2lioyst sag1lou 'luaSe slt to 'Iapual uagnn mono o; pamaap st uoissassod Isn;os ;sq; pus uot;oe isaar Su1ouatzrumo jo ;issaoau aq; 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LEASEHO).DS; C 1 t COMINIUMailf/AISNED UNIT DEVELOPMENTS. Mortgagor agrees to comply with the provisions QQf any lea if AbiiiPtaitctitity 4nstru pent is on a leasehold. If the Property includes a unit in a condominium or a planned unit develo ent, M tivill' °perform all of Mortgagor's duties under the covenants, by -laws, or regulations of the condominiums d Velopment. 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 terms 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 terms 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 the 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 ex isting 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 Lender's rights and remedies under this Security Instrument. This amount may include, but is not limited to, reasonable 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. 16. ENVIRONMENTAL LAWS AND HAZARDOUS SUBSTANCES. As used in this section, (1) Environmental Law means, without limitation, the Comprehensive Environmental Response, Compensation and Liability Act (CERCLA, 42 U.S.C. 9601 et seq.), and all other federal, state and local laws, regulations, ordinances, court orders, attorney general opinions or interpretive letters concerning the public health, safety, welfare, environment or a hazardous substance; and (2) Hazardous Substance means any toxic, radioactive or hazardous material, waste, pollutant or contaminant which has characteristics which render the substance dangerous or potentially dangerous to the public health, safety, welfare or environment. The term includes, without limitation, any substances defined as "hazardous material," "toxic substances," "hazardous waste" or "hazardous substance" under any Environmental Law. Mortgagor represents, warrants and agrees that: A. Except as previously disclosed and acknowledged in writing to Lender, no Hazardous Substance is or will be located, stored or released on or in the Property. This restriction does not apply to small quantities of Hazardous Substances that are generally recognized to be appropriate for the normal use and maintenance of the Property. B. Except as previously disclosed and acknowledged in writing to Lender, Mortgagor and every tenant have been, are, and shall remain in full compliance with any applicable Environmental Law. C. Mortgagor shall immediately notify Lender if a release or threatened release of a Hazardous Substance occurs on, under or about the Property or there is a violation of any Environmental Law concerning the Property. In such an event, Mortgagor shall take all necessary remedial action in accordance with any Environmental Law. D. Mortgagor shall immediately notify Lender in writing as soon as Mortgagor has reason to believe there is any pending or threatened investigation, claim, or proceeding relating to the release or threatened release of any Hazardous Substance or the violation of any Environmental Law. 17. CONDEMNATION. Mortgagor will give Lender prompt notice of any pending or threatened action, by private or public entities to purchase or take any or all of the Property through condemnation, eminent domain, or any other means. Mortgagor authorizes Lender to intervene in Mortgagor's name in any of the above described actions or claims. Mortgagor assigns to Lender the proceeds of any award or claim for damages connected with a condemnation or other taking of all or any part of the Property. Such proceeds shall be considered payments and will be applied as provided in this Security Instrument. This assignment of proceeds is subject to the terms of any prior mortgage, deed of trust, security agreement or other lien document. 18. INSURANCE. Mortgagor shall keep Property insured against loss by fire, flood, theft and other hazards and risks reasonably associated with the Property due to its type and location. 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 Mortgagor subject to Lender's approval, which shall not be unreasonably withheld. If Mortgagor fails to maintain the coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property according to the terms of this Security Instrument. All insurance policies and renewals shall be acceptable to Lender and shall include a standard "mortgage clause" and, where applicable, "loss payee clause." Mortgagor shall immediately notify Lender of cancellation or termination of the insurance. Lender shall have the right to hold the policies and renewals. If Lender requires, Mortgagor shall immediately give to Lender all receipts of paid premiums and renewal notices. Upon loss, Mortgagor shall give immediate ;ce to the insurance carrier and Lender. Lender may make proof of loss if not made immediately by Mortgagor. Unless otherwise agreed in writing, all insurance proceeds shall be applied to the restoration or repair of the Property or to the Secured Debt, whether or not then due, at Lender's option. Any application of proceeds to principal shall not extend or ,1 ®1884 Bankers Systems, Inc., St. Cloud, MN (1-800-397-2341) Form RE- MTG -WY 11/18/94 (y }o j, 889d) bdOZ bitted .ss ZTT 3o /Cup t'8 /8 L/ L L AM-01W-311 Wtod (1 -Lee-008 -1I NW 'Pn '1S 'etaineAs smuts 4881 t AIKaa Nl •✓11Cat ••yQ•a1V1Mnit A1( fie• sup mu aiojaq paapatmottnlos seM Iuaanulsur slgy a mneimpv do A.LNnoD do awls :J.NaNIOaa'IMON■Dv 'tca 3NfN' NUM NOISSIVM00 OMINOAAVALINIOGNOOL onendmiami maaeN Yen) :sanldxa uoissm uioo tt (a)gc) ?IMAM '2i aAIIS.SIaJD caituvus 4 el:Jill-Y:171'NY I I aSsd uo pa ;s;s amp aqI uo Iuaulrulsul ,Clunoas sup 3o ddoo 11 3o udtaoaa saBpaimotmto11 osls 1oSgd31oy41 •suuatugoslla eCus rn pus Iuaarnilsul ttlunoog sap rn paulsluoo s)U$Uanoo pus suual am of wads 1oSs011oynl 'Molaq $ulu2is t(g :sa maxis IS •suuay leuoplppV lamp 10 PnI IuarudolanaQ uun pauusid saptg a niUlaropUo3 [saxoq algsoildds lls loar{3] •luatunllsUJ ttlunoas snp 3o suuoi 01(1 pUOUIs pus luauralddns pus our! pap111ohoour ale Molaq paaloago slapu am 3o gosa 3o sluaruaaISs pus sureuanoo agy *salami 'apo3 lmpsatm11o3 11uoJlun cm 3o 6 a1Opsd 3o sasodlnd .ro3 p.00a. 3o palg oq t(etm uogonpoida1 .atpo .ro orgdsJSologd 'uoq.so Lus pus ;iaulalsls 2uiousug s ss saot luatutulsul Xlunoas sigl •ttlladold am 01 pomp.' salnlxg 011!0001( ram 10 an rap pus ainln3 alp 11! 10 Mou sumo 1oS11allow 111gl spooS Ijm ua valour! ttlunoas g iapua-I o1 sutra JoSsdlioW •Num amlxi3 ,illadold agl uo luaurano.rduri us 3o uoilongsuoo o1( so3 pauuno11! uoils8ggo us salnoas Iuaturulsul '(lunoas smj 'ago/ uollanalsuop •pasualal !pun 100330 m umtual IIlM worry llsul ,(lunoas sup 'aouejsq 019z 11 01 paonpal aq iCmtu Ig palno°s agl g8noglW •uoISinold upon 3o auil Stnnlonai s sapntou! Kau parings au •Ilpaaa Jo our' :)uaumilsul fClunooS sup of aiquo!lddu atg 2r a m o f o 3 alp `Pa I 1 P 3I swami, Rani° .4iodosd am of SUi11ta1 slgau uo!)duraxa psaisaruoq IIg pus gassy pus snail 3o granuloma a o p Rutur aal lgau t(us sanl9M soasals0 'Mgt At pougigo.rd Iuauxa 91111 o1 Idaoxg •s'IaAIVM •sio8s2liour Its o1 aopou aq oI pomoop oq !gm JoS1Sliour ouo 01 aolloN •SurluM u[ pal11ua!sap ssalpps .raglo Aug 03 so `luatun.rlsul ttlunoog sup 3o aSsd uo ssa.rpps sAisd o uudo.zdds og1 01 Itgru sego log ,(q 1! aulltmta ,(q 10 1! Suuangap ,t1( uanl8 aq Tigris ao110u Are 'mg tCq pa.nnbas ognuag10 ssaNn JJ(N '£Z •)u0tmn1lsal ttlunoag Sup u! aouassa am 3o s! atrui •luatunalsul t(lunoaS sup 3o stu.al 013 augap 10 1a1diour! 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