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Home My WebLink About868764868764 RECEIVED 00 OCT l o b i' El i t s ,oYl M1N BOOK 453 PR PAGE 4 4 Loan Number: 107- 260 -39544 This Mortgage "Security Instrument is given on September 29, 2000 The Mortgagor is Michael Eric Wilson Janet G Wilson husband wife whose address is 37 West 5th Avenue Atton Wyoming Lincoln county "Borrower This Security Instrument is given to First National Bank -West A National Bank Association organized and existing under the laws of The United States of Americ a andwhose address is —1.00L Main $rrept, Evanston WY 82931 "Lender Borrower owed Lender the principal sum of Twenty four Hundred Dollars 2400.00 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 October 1, 2008 this Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications; (b) the payment of all other sums, with interest, advanced under Paragraph 6 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: Part of Lot 4 of Block 19 to the Afton Townsite, Lincoln County, Wyoming being more particularly described as follows: BEGINNING at a point which is 15 rods West from the Southeast corner of said Lot 4 and running thence West 3 rods; thence North 10 rods; thence East 3 rods; thence South 10 rods to the point of beginning. who is NOTE: This serves to correct the maturity date of that certain Mortgage recorded October 2, 2000 in Book 453PR on page 252 of the records of the Lincoln County Clerk. which has the address of 37 We f 5rh Aven Aft Wyoming, 83110 (zip code) "Property Address TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances, rents, royalties, mineral, oil and gas rights and profits, water rights and stock and all fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as "Property BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally MPP Form 219 1 t agl .rage sXup X1xts U!qlTM aouaptsaJ jedrouud s,Jannonog se XIJadoid 21411 asn pug `tstlgelsa `Xdn000 Hugs JaMOJJOg 'spjogasuarl !uo1 emddv ueori s 'Xlaadoad gip jo uotloaload pue aatreuafu!I JA1 `uotlenaasaad °,fauednaap 'Jasugoind alp of ssgd Hugs ao.to3 ui satotjod aoueJnsut 01 pug ut JaMOJJOH 3o lsaJalut pug ajljl `1q3!.! jjg `ssaupaigaput aq1 sagsrn&utixa legl Xuadoid 2141 of ajliljo Jajsuei1 Jaglo io luawnJlsui Xitmoas 3o a.rnsoloaio3 3o Juana 2141 u1 olarat palltlua X►1g9a1 X1t1ua alp of pied aq liet{s, luaultulsui Xl!Jnoas snjl put glom at {1 .spun ssaupalgapur 9utpueislno Nu Xgd o1 paiinba.t funowg ug Jano spaaooid aoueJnsur ssaoxa Xtry 'sluaw,gd pons 30 funowg agl auggo Jo `z tdt?JOeJed ur 01 pimp.' ale torgM sivawXgd Xjgiuow agi jo algp anp aqi auodlsod Jo pualxa lot] jjegs jgdtou!Jd 2141 of spaaowd aql jo uoij otjdde Xuy 'XUadoad pa9surgp aqi jo JtgdaJ Jo uotig.rolsai alp 01 (q) Jo jgd►ouud 30 luawXgdaid of uagl put `L gdtJSeJed ut Japio otji ut pa1lddt sfunowg luanbu! lap Xug of 1SJg `luawtulsui Xlunoas stgl put °lox alp Japun ssaupalgapul ag13o uotlonpaJ aqi of (g) Jaglta `uotldo sIr lg `Japual Xq patjddg aq Xgw spaaoo.rd aoueJnsut amp IJgd Xug JO jjy 'Alluiof Japua-i 01 pue JaMOJJOg 0130 ptaisut `Japual 01 Xjloaitp ssoj tons Jo3 luotu d alew 01 paloaJtp pug pazuoting Xga.taq sj pau.raouoo Xuudwoo aoug.rnsut goeg 'JaMOJJOg Xq Xjldwo.rd apew iou 3r ssoj 30 jooid a51gw Amu Japua'i jrew Xq aorlou aletpawwt Japuo i a/0 11gt's .I0MO110g `SSO130 Juana 2141 uj Japua' 2141 Xq lsanbaJ uodn Japua7 0141 0l aougJnsut 3o sa!otjod Jo Xogod 214130 Xdoo t gstuin3 {jets JannoJJOg Japuag col ajggldaooe uuo3 g u► put `3o Jone3 ut sasngjo alggXed ssol apnjout Hugs slennau =J Xug pug satotjod aougJnsut 214,E •Japuag Xq panoJddg satugdwoo 1111M patp.go aq Hulls aaueinsw agl Xq paJtnbaJ lualxa 2141 of spoof Xq ssoj lsutg$g pafoaJ2 Xjfuanbasgns Jo aouaisrxa ut Mou JatlagM `XlJadoJd 2141 uo sivawanoJdwt pg amsut osjg ljggs JannoJJOg •saJinbaJ Japua-j 1eg1 spo!Jad 0141 103 pug slunowe 2141 ut pautelurgw aq Hugs aoueJnsut stq L aougJnsut saitnbai Japua' gotgnn Jo3 `aJL qurpnlout `saioua3urluoo pug `sall►ensto `spiezgq Xug lstquSe 'pap= Xjluanbasgns Jo aoualstxa ut nnou Jaglagnn `Xuadoid 2141 uo sluawanoIdwt ►►t aJnsut Hugs J2M0JJ0g 'aaueansui paezeg aaglp pue poou 'atom 0141 Japun anp saiego a1e101 `pJtq,L atom amyl) jedtouiJd 214130 uotigztlWOwe 03 `puooas `glom 0141 Japun anp lsa.ralut of `lsJtd :snnollo3 se Japun Xq patjddg aq nut's z put j sgdgJgtJgd Japun sluawXgd jjy 'sluatuXed jo uorlrarjddy 'Japua-i am Xq lsanbaJ uodn Japua-i of luawXed jo 3oo.rd gstUJn3 Hugs JaMoJJOg au, j gdgJSe1ed Xq pairnbai aoueJnsut Jo3 surntwaad (o) put `XlJadoid ag1 uo sluai punoi4 Jo sluawXgd pjogasgal (q) `Xiiadowd agi isurag patnaj aq of J0 parn0l sluawssassg je1oads put Mg) (e) /WV 3o fuawXgd X10w11 a)jgw jlegs J2MOJJOg 'sa; JtgD aatlfp put, aauLansul 'salmi, JO luatuSu '2101\1 aq1 Japun anp saSJeto alel pug `ajggor►dde 314 `350Jalur lingjap `glom 2141 Xq paouaprna Nap alp `uo 1s0J01111 pug Jo led!ouud aq1 anp uaIM ad 11egs JannoJJOg 'sa5.reo 23e1 pue lsaaalul 11nr.3aU `jsa.ralul I t:draar.td JO luatuXed z p ;p.100 1 JO 520111 Jgtnnot12 ,(ur. 01 toafgns `spninn2p put stutPla llP. 151111141? ,(11.2(101(1 )111 execution of this Security instrument and shall continue to occupy the Property as principal residence within sixty days alter 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 the Lender determines this requirement will cause undue hardship for Borrower, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall notify Lenders of any extenuating circumstances. Borrower shall not commit waste or destroy, damage or substantially change the Property or allow the Property to deteriorate, reasonable wear and tear excepted. .Lender may inspect the Property if the Property is vacant or abandoned or the loan is in default. Lender may take reasonable action to protect and preserve such vacant or abandoned Property. 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 the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and fee title shall not be merged unless Lender agrees to the merger in writing. 6. Charges to Borrower and Protection of Lender's Rights in the Property. Borrower shall pay all governmental or municipal charges, fines and impositions that are not included in Paragraph 2. Borrower shall pay these obligations on time directly to the entity which is owed the payment. If failure to pay would adversely affect Lender's interest in the Property, upon Lender's request, Borrower shall promptly furnish to Lender receipts evidencing these payments. If Borrower fails to make these payments or the payments required by Paragraph 2, or fails to perform any other 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, for condemnation or to enforce laws or regulations), then Lender may do and pay whatever is necessary to protect the value of the Property and Lender's rights in the Property, including payment of taxes, hazard insurance and other items mentioned in Paragraph 2. Any amounts disbursed by Lender under this Paragraph shall become an additional debt of Borrower and be secured by this Security Instrument. These amounts shall bear interest from the date of disbursement, at the Note rate, or the default interest rate, and at the option of Lender, shall be immediately due and payable. 7. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in place of condemnation, are hereby assigned and shall be paid to Lender to the extent of the full amount of the indebtedness that remains' unpaid under the Note and this Security Instrument. Lender shall apply such proceeds to the reduction of the indebtedness under the Note and this Security Instrument, first to any delinquent amounts applied in the order provided in Paragraph 3, and then to prepayment of principal. Any application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments, which are referred to in Paragraph 2, or change the amount of such payments. Any excess 3 443 ivawnulsui Al!unoas stye q Inman uati oink) Attiouud alp 1oa33r ,C{asianpr 11!M luawalrisula1 (ti!) Jo `alnunJ ayl u! spunaig luaia33!p uo alnsoioaloJ apnioaid ip' luawalrlsuiat (ii) Turpaaooid alnsojoalo3 luanno r Jo luawaouawwoo alp Sutpaoald Alalrtpawwt smrai( oisnl utyltnn autpaaooid alnsoioalo3 Jo luawaouawwoo aqi Jour luawalelsu!ai paldaoor sry Japugl (t) ;J! luawalrlsulai ltwlad 01 paltnbaJ lou st JapuaZ `JanaAnoH 11nJ ut luawArd alrtpawwn pannbal lou pry Japua-j Jt se MAO tit wain.' 1{rt{s samoas It lrg1 `suotlr;Jtigo ayl pur luawtulsui Altinoas sail `JamoJJOg ,Aq luawalrlsu!aJ uodn Iutpaaooid ainsoioaJoJ aqi yl!nn pairtoossr AIJadold sasuadxa pur saa3 1 sAauiollr Airwolsno pur atgruosrai pug slsoo ainsoioalo3 `luawnrlstri Alunoas stye .apun JaM0JJOg 3o suour9!{go air 'Cato luaixa aql of `Sutpniout lua1Jno lun000r s Suuq 01 paitnbai suunowr i{r cans dwni r ut iapuo) i{rys 1OM0Jlog `uuawnllsui 1!snoas ayl alr)sural od, 'palninsut air sEutpaaoo.td aJnso{oaJoJ nip nano satiddr ly`du stgi 'uuawrunsui Alunoas sup Jo aloN ayl .tapun anp lunowr ur ad 01 ami!r3 S Jo asnroaq ilnj u! luaw,Crd airtpatuwi pai!nba. sry iopua-i 3 palrlsurai aq o1 It {9!J ayl sry Jamonog 1uawatt :Isuta2l P66 'sluana luanbasgns of loadsat 41tnn s1ySti sll antrnn lou saop .tapugq 'slum/Cud tons as!nbai lou sop Japua' lnq `{in3 ut luawArd alrtpaww! altnbal o1 Japua' 1twlad pinom 1g111 moon saouruswna.tto Ji '.tan!rm o.{ (p) linr3ap luanbasgns Aug Jo liana ati1 ui lti 311 sot 9utntrm 1noyl!nn uo!ldo stye aslolaxa 01 1011 asooyo w Japuari %Zi) luaond aniarnl 01 a1oN ay1 3 Z ydriSrJrd ut pagtiosap sr alr1 lsa.talu! gip asraJOUt Arm Japuo- 'ono s! luawArd ay1 Jajr s,(rp irpua{ro ,Cup Aptly ay1 Jo pug gqi Aq luawrulsui Alunoas ay1 Aq paitnbai luow,Crd Aiyluow {in3 aq1 pantaoai lou sry iapua'i Ji 'lsaaalui 11nujaU (o) 'Japuag amp sluawaitnbw ayl ylt^n aourpl000r ut panolddr uaaq 1ou sry itpalo .toy Jo sry inq Auiadoid gip Xdn000 os sop aauurJ$ Jo iasrgo.rnd alp .to `aouaptsai Ird!outid Jay 10 s!y sr galugib 10 Jasrgomd ayl iCq patdn000 uou st I(JJadoJd aQL pur `JaMO1JOg atp Aq (luaosap Jo astnap Aq ur Jaylo) pa11aJsurJl astnn_rag10 Jo pios st `/Uadoid amp gird 10 iig SutuMo lsnJ1 r u! isalalu! Ir!otdauaq r 10 `iCladoJd ayl Jo Ind Jo IiV luawrWsui Alunoas stgl ut pautrluoo suourgtigo Jay10 Cur wio3Jad of `sArp MINI Jo pouad r 103 trti!rJ Aq slinrJap JaMOJJOg `10 `1uawXrd Alt uuow lxau ay1 Jo alrp anp ay1 uo Jo 01 Joiid luawnlusui A1!Jnoas styl Aq palinbai luawArd I(Iyluow Aug Iin3 u! gird of StnitrJ Aq siinrjap JamoJ1og :J! luawru)sui Aiunoas sty) Aq painoas scans ayl iIr Jo Iin3 ut luaw1(rd alrrpacutui ajtnbai `mgi a{grotiddr Aq pa)l!wJad Jt `{{rtis iapual •lrnoaddy 1lpaJJ lnotittm airs (q) :3t luawnllsui i(1!rfoas sup 4q pains scans Iir Jo I {nJ w luatuArd alr!pawtu! alrnbai At iapuaq '11ntJa J (r) 'map uo!1t Jalaoay .103 spuno.t) 01a1a1 1 pailtlua '(iirgai A)tlua ayl 01 ptrd aq iirgs 111211111.11S 111 i 111no2S S11I1 pur aloN aq1 nptttl SS)1.1p)1 Rtnyur1S)n( Iit? /r'd 01 iiaitnbal tunotttt' ue .tan0 Sp0300.1t1 445 10. Borrower Not Released; Forbearance by Lender Not a Wavier. Extension of the time of payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successor in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 11. Successors and Assigns Bound; Joint and several Liability; Co- signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of Paragraph 8 (b). Borrower's covenants and agreements shall be joint and several. Any Borrower who co -signs this Security Instrument does not execute the Note: (a) is co- signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 12. 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 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. 13. 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 provision of this Security Instrument and the Note are declared to be severable. 14. Borrower's Copy. Borrower shall be given one conformed copy of this Security Instrument. 15. Assignment of Rents. Borrower unconditionally assigns and transfers to Lender all the rents and revenues of the Property. Borrower authorized Lender or Lender's agents to collect the rents and revenues and hereby directs each tenant of the Property to pay the rents to Lender or Lender's agents. However, prior to Lender's notice to Borrower of Borrower's breach of any covenant or agreement in the Security Instrument, Borrower shall collect and receive all rents and revenues of the Property 5 9 aq Hugs Japtu lions yoga Jo slueuanoo ayf `luawrulsui X1unoas siyl q liM Jayta9ol paplooal pug JaM0JJOg Aq painaaxa ale slapu aiow 10 auo Ji •luatunalsui Slianoas stt {f of saaptJ XfJadoJd gip ur JaMop pug i(sa1Jn3 Jo siygta i{e saysrnburiaJ pug ApadoJd alp w uotldwaxa pealsawoy JO slti911 iie santeM JaMoJlog °saanitM •81 slsoo uogepiOOai Aug Agd.Hgys JaMOJJOg °JamoJJOg o1 amp lnoyltM luawrufsui AliJnoas sty1 asgaiaJ Iigys Japua1 `fuawrulsui Alt.noas stye Aq paJnoas swns iI Jo luawAud uodn °asraiaUi •LI 11 01 pajlrfua Aiiegai suosiad Jo uosiad alp of ssaoxa Aug (o) pug `.luawtuisui Alunoas stye ,Cq pa.moas swns iig o1 (q) 'saa3 ,s,CauJoUg aigeuoseai `ol palrwl lou lnq `SurpniOUI `ales jo sasuadxa lie o1 (g) :JapJO gu!moiioj ayf ur middy aq Heys gigs agf jo spaaooJd au, •gins Aug le Au doJd aq1 aseyoind .(ew aau9rsap sit 10 Japuo' •nnei aiquoiidde Aq paquosaid aautn w aril ur pios aq iiggs Augdoad aril pug `gigs jo aotlou gstignd Heys Japual •zi ydulgend ur paprnoJd Jauuew ayf ut JaMo1JOg O1 gigs ayl 3o aotlou ants Heys Japun •nngi aiggoridde y1tnk aouepa000e ut luaaajjip 3r `AvgdoJd ayf jo uorssassod ut uosiad ayf of pug JaMoJJOg 01 OSOIOaJOJ 01 11101111 ,JO 00110U Onr9 pip Japual `gigs 3O JOMod ayf sarnut Japua-i ji •aouaptna aiuijo sisoz pug sag. ,sAauiollg aigguoseai col pairwri fou inq `gutpniOU! `91 ydgageJgd sup ur paprnoJd sarpawaJ alp durnsind ut poimnout sasuadxa He 1oaiioo of pailrlua aq Heys Japuo nnei aiquotiddg q palliwaad sarpawaJ Jay10 Aug pug gigs jo JaMod at {1 a31onur i w aapuaZ `g lidgigu ed Japun Hrj ui 1uawArd aferpawwr saJrnbaJ Japua1di J IInpaooad aansoioaao,i aaigg pug luguano3 Jay1Jnj Japua7 pug JaMoIJOg :sMoiioj sg •SIMVN3AOJ LIO,4I■II1 •Muadoid ayf urgfutew Jo 3o ioJluoo `uodn Jafua of i(lunoas Jatpo 10 puoq Aug lsod o1 pairnbai aq iou Heys JantaOaJ palutodde 1CHgt3tpnf a JO Japuaj ayJ, °{{n3 ut peed st luawrulsui A1!Jnoas ayf Aq paJnoas igap ayf =pet algutwjal iigys Aii doid oql jo smuai jo luawutitssg s!tii •JapuOZ3o Aim= Jo 11.12t1 Jay10 Aug afgptignut Jo 1ingjap Aug anrgM aan3 fou {{eys sfuaJ jo uoigotidde Cud °yogaiq g st a.ayl awn Aug lg os op Agtu Janraoaa palutodde Aiigtotpnf g Jo Japugq `Jangmoid •1 Mo1JOg of yogaiq 3o aotlou gutnt; J31Jg Jo aiojaq Avadoad ayl utelurew 10 Jo io1fuoo `uodn Jaiva of paltnbaJ aq IOU iiggs Japuai •SI tideigeigd sup Japun s1q !J SI! gutstoJaxa woIJ Japua'i luanaJd pinoM lgyi fog Aug wJOjiad iou iirM pug iou set{ pug sfuaJ aril jo luawugrssg Joud Aug palnoaxa lou sgy JaMoJJOg •1ugual ayl 01 pugutap ual1IJnn s,Japual uo 1uagg s,Japul Jo Japun o1 predun pug anp sfuaJ iig Agd Heys Al1adold ayf Jo uncial yoga (3) pug 'AlJadoJd ayf jo swat ayf do iig ant3Oa1 pug lOaiioo 01 pailtlua aq Heys Japuari (q) `.ltrawnJlsuJ /(1tJnoas ayf Aq paJnoas sums alp of patiddy aq o1 'Apo Japua-i jo ltdauaq Joj aalsnal se JOMoJJO.g ,(q play aq i`eys JOMOJJOH �Cg antaoaJ sfuaJ Jig (g) :JaMO.uog o1 yoeai9 jo aotlou sang Japuoq ji i(iuo Animas ieuoutppg Joj luawugrsse ug 1ou pug 1tratuu9tssg 11ni0sg11 utt Sa1rtfttstto:t sprat JO luatuu9rssg sni •JaMOJJOg put? .rapun Jo 1►ianact aril Joi aalsn11 sr. -91 incorporated into and shall amend and supplement the covenants and agreements of this Security instrument as if the rider(s) were in a part of this Security Instrument. [Check applicable space(s)]. 44'7 Condominium Rider Graduated Payment Rider Growing Equity Rider Planned Unit Development Rider Other [Specify] Other BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in pages 1 through 7 of this Security Instrument and in any rider(s) executed by Borrower and recorded with it. Witnesses: STATE OF WYOMING, LINCOLN County ss: The foregoing instrument was acknowledged before me this My Commission Expires: 9-- I 2.0L I 3 NOTARY AMC Noted Wang Expires S amber 18 2003 ENNY JONES Canty of Lincoln L Commission Expi Borrower Michael Eric Wilson s t4/ B +'rower Janet G Wilson Borrower Borrower October 3, 2000 by Mi..l+�ol Eri r ra l ear 7�nnt G Wi 1 son