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HomeMy WebLinkAbout86802901013875 First Bank of Idaho P. O. Box 12860 Jackson, WY 83002 Loan No: 190009092/7417695 6 029 451 4^3 BOOK_ PAGE MORTGAGE THIS MORTGAGE is made this 28th day of August, 2000 Mortgagor, Robert Rittner and Jill Rittner, husband and wife, as tenants by the entireties and the Mortgagee, First Bank of Idaho An Idaho Corporation a corporation organized and existing under the laws of the State of Idaho whose address is P. O. Box 3239 Ketchum, ID 83340 (herein "Lender WHEREAS, Borrower is indebted to Lender in the Principal sum of U.S. 11,500.00 which indebtedness is evidenced by Borrower's note dated August 28, 2000 and extensions and renewals thereof (herein "Note providing for monthly installments of principal and interest, with the balance of indebtedness, if not sooner paid, due and payable on September 1, 2015 TO SECURE to Lender the repayment of the indebtedness evidenced by the Note, with interest thereon; the payment of all other sums, with interest thereon, advanced in accordance herewith to protect the security of this Mortgage; and the performance of the covenants and agreements of Borrower herein contained, Borrower does hereby mortgage, grant and convey to Lender, with power of sale, the following described property located in the County of Lincoln State of Wyoming: Lots 2, 3 and 4 of Tract C of the Archie Hill Subdivision, according to that plat filed December 7, 1962, Filing No. 372631 in the Office of County Clerk, Lincoln County, Wyoming. PIDN 37182930600400 WYOMING SECOND MORTGAGE- 1/80 FNMA/FHLMC UNIFO INST MENT Form 3851 1/80 Laser Forms Inc. (800) 446 -3555 LFI #FNMA3851 1/99 Page1 of 6 Initia RECEIVED vu r",70 I 3 (herein I UI 1 JG between the "Borrower ti p 9 ;o zeBed 66/L 198EYWNd #Id1 559£ (008) 'ouj swiod Jasel 08 /6 458£ uiaod 1 1N3Wf1211SNI I O3INf1 31/1H INV Nd 08/1. 3JvolL10WaN0o3S ONIINOAM •Q201a0W sIq; ,cq pampas stuns all; ;sti!au ;!pan a se uoguoHdde jo atull am Jr aapua-J Cq plaq spund ,tug `aapual uo!;lslnbow s11 ao ,ipadoad all; jo ales all; o; aoud ,C1a ;13lpatuwr uegl as ;e1 ou `,SJddg Hugs .iapuaj `aapua-1 ,ill paalnbog as!maaq ;o s► ,C;.xadoad all; ao P1os sl Xiladoad all; pant! LT gdE.S13aed aapun j1 •aapua7 cq P1aq spund ,Cue aamoaaog o; pun as ,clidwoad Hugs .xapua-J `aSeSlrow stq; ,Cq paanoas stuns HE jo 11n; u1 ;uaw c13d uoda •aambaa ,Cgtu aapua-1 se SWOLLIAEd 010111.10 auo u1 ,couaiogap all; do alum 01,faessaoau ;unowg Aug aapuai 0; iced !lets aamoaaog `anp iJg3 ,iagl se s;uaa punoiS pug swnlwaad aougansux `s;uawssasse `saxes ,Cud o; 1uaiogJns aq ;ou ins aapual ,iq plug spund all; jo ;unowg atl 31 spund jo s;uawllu;su! Xlq;uow uo aamoaaog 01 pa;lpaao .10 aamoaaog 0; pledaa ,C1;dtuoad lamp `uo!ldo s,aamoaaog ;13 `aq Rugs ssaoxa qons `anp Jlg3 ,cat; sr s;uaa punoiS pug swnxwaad aougansuJ `s;uawssassu `saxul Ares ,igd o; paalnbaa ;unowg aq; paanxa Rugs `s;uaa punoaS pu13 swnlwaad aou13ansul `s;uatussassu tam jo sop anp all; o; aoud ajge,Cud spund 3o sluawHgisul ,clgluow amyl; am iIIm aaq;aSo1 `aapua-1 ,Cq plaq spund amp ;unow13 •aS13Silojg srgl ,iq paanoas swns aqi aoj ,C;unoas lguompp13 s13 paSpald aag spund aqj. •apetu sum spund aql 01 1?gap goes golgm aoj asodand aql pue spund all; o; s ;Jgap pue s;lpaao Su!mogs spund all; Jo Sunun000e Jenuug ug `aSaggo ;nod ;►m `aamoaaog o; ants 11ggs aapua-1 spund all; uo sSulua13a ao ;saaa ;ul Aug aamoaaog ,cud o; pannbaa aq sou Hugs aapua1 'mud aq o; ;saaa;ui qons saambaa mgt alquoildde ao apew s! ;uawaa1Su gons ssalun pug `aamoaaog o; mud aq Hugs spund all; uo ;saaa;ul 2134; aSgSuow sit; Jo uo►;noaxa 3o aWl all; w SuJ ;ram uJ 00.1513 Amu aapuai pug aamoaaog •aSaugo g gons a)1uw o; aapua-1 s1iwaad mgt alquo1lddg pug spund all; uo ;saaa;uI aamoaaog s,ied aapua' ssalun `s11q pue s ;uawssassu p! s Suilldwoo pue SUJ/Cjtaan 10 ;un000u plgs Su►z,ilgug `spund all; Sul,clddu pug Su!ploq os ao3 aSaego ;ou ,C13W aapua-1 •s;uaa punoiS pug swnlwaad aoueansu) `sluawssass13 `saxes p►gs ,i13d 01 spund aql ,Cldd13 Hugs aapua1 •(uoun ;J ;sus ue gons s! aapua1 J! aapua-J SuipnJou!) ,CouaS1 awls ao luaapad 13 ,iq paa;ueaenS ao paansw aae go1gm Jo s;un000e ao s ;psodap all; uol ;nll ;sus u13 ur plat aq hugs spund aq1 `aapua1 0; spund s,Cud aamoauog 3I •aapual J13uoi ;n ;I1su! ue s! aaPloq lions j.J lsna; jo paap ao a812;aow aoud g jo aaPloq 0111 o; s;uaw,Ced qons SON= aamoaaog mil ;40;X0 all; 01 aapua-I 0; spund jo s;uaw,C13d tons a)lew 0; pa;eSHgo aq ;ou Hells aamoaaog joaaag1 sa ;13wlsa algguoseaa pug siHq pug s;uawssassu 3o slsgq all; uo aapua-1 ,iq awl; 01 mug woad pug ,(1113► ;Jul pa;ewl1sa Xlg13uos13aa se Hg `,(ug 3I `aoueansu! aSESlaow ao; s1uawlIu ;sUI wn!waad CJaea i jo gglam; -auo snld `aoueansu! pauzut ao3 s;uawllgtsul wnlwald ,i1a13a,C3o glJlaml -auo snld `,Cugdl `,C;.Iadoad all; uo S;uaa puno1S pue aSgS;aoJnl slq; aano ,cluolad wpm ,cew goigm (Wu J! `s;uawssassg luawdolanap win pauu13ld pug wnlwwopuoo Surpnloul) s;tawssass13 pug sax13; ,(saga( all; Jo gg1am; -auo 01 lenbo („spund„ want) tuns g `JJnj u! mud sJ a ;oN all; !pun `a;oN all; aapun algg,C13d 0013 ;saaa;ul pug ledrouud jo s;uaw,Cgd ,C1q;uow ,Cup all; uo aapua1 01 ,C13d !Juts aamoaaog `aapua7 Xq aanl13m ua; ;tam 13 ao m131 alg13o►ldd13 01 ;oa[gnS •aaueansul pug sexes ao; spund •z •01oN all; u! paprnoad s13 saaa13go am pug mom all; ,cq paouap►na ssaupaigapui Isaaa;ui pug ludioulad all; anp uagm ,Cud ,cl ;dwoad nulls aamoaaog ;saaa ;ui pue IedPulad Jo ;uaw,Ced :smollo3 s13 aa1S13 pu13 ;u13uanoo aapua1 pug 10M01a0 S 'SINHNdAOD W2IOdINI1 paooaa Jo saau13agwnoua o ;oa[gns `spuuwap pue swyelo lle ;swag C;.xadoad all; 0; allp am ijl13aaua2 puaJap !Um pug s;ugaagm aamoaaog 2134; s;t13tanoo aamoaaog paoaaa 3o saougagwnoua aoj ldaoxa `paaagwnouaun sr ,Claadoad at; ;uq; pue `,CliadOad 0142 ,Canuoo pug lima `aSallotu o; 114 !J all; Suq pu13 pa,Canuoo ,igaaaq a;13lsa all; Jo pazlas ixlnjm131 s! aamoaaog 2134; s;u13uanoo aamoaaog •„,i;aadoad„ all; se 02 paaaajaa aaJJgwaaaq aae (plogaseal u uo s! aS13S1aoJ,\I Srq; 3l a ;13;sa pJogas13aj at; ao) ,C;.radoad pigs 141!M aaq;aS02 `2U0oSaao3 at; 3o 11e put :aSailoJAJ srt; Cq paaanoo ,C ;aadoad all; Jo u13d a ul13tuaa pue aq o; pawaap aq Vets go!gm J0 1113 'qua.' pug saou13uayrndde `s;tSu `s;uawas13a 1113 pu13 `,Ciladoad at; uo paw= aag13aaat ao mot s;uawanoadtux at; Hu q;rm 10410501, [epoo diz) :(„ssaappd ,c;.ladoad„ uiaaaq) -826£8 Suttuo,(M [3aa�rS1 euldly "env ;slid 1,9 3o ssaapp13 a4; s13q 4olgm 0 ;0S9R0 09308 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under the Note and paragraphs 1 and 2 hereof shall be applied by Lender first in payment of amounts payable to Lender by Borrower under paragraph 2 hereof, then to interest payable on the Note, and then to the principal of the Note. 4. Prior Mortgages and Deeds of Trust; Charges; Liens. Borrower shall perform all of Borrower's obligations under any mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage, including Borrower's covenants to make payments when due. Borrower shall pay or cause to be paid all taxes, assessments and other charges, fines and impositions attributable to the Property which may attain a priority over this Mortgage, and leasehold payments or ground rents, if any. 5. Hazard 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 such other hazards as Lender may require and in such amounts and for such periods as Lender may require. The insurance carrier providing the insurance shall be chosen by Borrower subject to approval by Lender; provided, that such approval shall not be unreasonably withheld. All insurance policies and renewals thereof shall be in a form acceptable to Lender and shall include a standard mortgage clause in favor of and in a form acceptable to Lender. Lender shall have the right to hold the policies and renewals thereof, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage. 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. If the Property is abandoned by Borrower, or if Borrower fails to respond to Lender within 30 days from the date notice is mailed by Lender to Borrower that the insurance carrier offers to settle a claim for insurance benefits, Lender is authorized to collect and apply the insurance proceeds at Lender's option either to restoration or repair of the Property or to the sums secured by this Mortgage. 6. Preservation and Maintenance of Property; Leaseholds; Condominiums; Planned Unit Developments. Borrower shall keep the Property in good repair and shall not commit waste or permit impairment or deterioration of the Property and shall comply with the provisions of any lease if this Mortgage is on a leasehold. If this Mortgage is on a unit in a condominium or a planned unit development, Borrower shall perform all of Borrower's obligations under the declaration or covenants creating or governing the condominium or planned unit development, the by -laws and regulations of the condominium or planned unit development, and constituent documents. 7. Protection of Lender's Security. If Borrower fails to perform the covenants and agreements contained in this Mortgage, or if any action or proceeding is commenced which materially affects Lender's interest in the Property, then Lender, at Lender's option, upon notice to Borrower, may make such appearances, disburse such sums, including reasonable attorneys' fees, and take such action as is necessary to protect Lender's interest. If Lender required mortgage insurance as a condition of making the loan secured by this Mortgage, Borrower shall pay the premiums required to maintain such insurance in effect until such time as the requirement for such insurance terminates in accordance with Borrower's and Lender's written agreement or applicable law. Any amounts disbursed by Lender pursuant to this paragraph 7, with interest thereon, at the Note rate, shall become additional indebtedness of Borrower secured by this Mortgage. Unless Borrower and Lender agree to other terms of payment, such amounts shall be payable upon notice from Lender to Borrower requesting payment thereof. Nothing contained in this paragraph 7 shall require Lender to incur any expense or take any action hereunder. 8. Inspection. Lender may make or cause to be made reasonable entries upon and inspections of the Property, provided that Lender shall give Borrower notice prior to any such inspection specifying reasonable cause therefor related to Lender's interest in the Property. 9. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of the Property, or part thereof, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage. 10. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment WYOMING SECONDMORTGAGE- 1/80 FNMA/FHLMC UNIF Form 3851 1/80 Laser Forms Inc, (800) 446 -3555 LFI #FNMA3851 1/99 Page3 of 6 /i nitials• 425 INSTRUMENT I °JaMO11og uo puumap ao aatlou aatlanj inoyl►M aVu$11ow siyl Aq palliuuad saipawal ,Cue arm)! 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Aug .10 Ayiadold alp Jo Ind Aug ao iiu 3I lsaaalul iupgauag a .lo A1.iadoad 041 JO .IaJsuul •91 •Alaadold am 01 apgw s3uawanoldw! y3jM uoiloauuoo ui saoinaas to sturlalutu `aoqui Alddns o4M saiued 3suiag °Aug Apw 10M0110g 4Oigt sasUaJap 10 suug10 `s34 I1 Aug jo 3uawu2!sse ug `aapua' 01 aiquldaoou uuo3 g ui `aapua' o1 1anllap pug alnoaxa o1 aaM011og aambaa Auw `uopdo s,aapua' Su `aapua' °aapua' 4IIM ow! saa3Ua .10M0110g goi4M Suawaalde ugoi 1at3o ao `aiedaa `3uatuanoldun `uopuwiggtal awoq Auu aapun suotlaiigo s,1aMO11og jo tag [Ippn3 hugs aaMOaaog •luauiaa.1 T ueo' uo11e1illqugag •SI •joaaat uoilupaooaa 1a1Jg 10 uopnoaxajo 001!3 am It aSalaoini sup jo pug Nom at13o Adoo pawaoJuoo g pagsruan3 aq hugs aamolaog •Ado3 s,aaMOJ.log bi ulalat pallwl1 ao MeI aigooiidde Aq pougigoad lou lualxa am 01 scans iiu apnloum „sag ,sAaulolle„ puu „sasuadxa„ „slso0„ `u!alat pasn sy aigeaanas aq of paagioap alp 03o atl pug aVaLioN sup jo suoislnold am pua sup 01 pug `uoislnold ;iup0iliuo0 atl lnoyliM papa uan!2 aq uu0 go[4M a1oN alp 10 a5p2poini sup Jo suois!noad aatlo 30aJ3e lou iimis loil;uoo tons `Mei aigeo11dde t11M SIOiguoO aTON at1 so a5gTlaoyAi sup 3o asnuio 10 0ois!nold Aug lap Juana alp u1 •a2p5laow sup 01 Mei iulapad jo (uiiggoiiddu am mu!! 1ou iiegs aoualuas 5uioSalo3 aqZ •pawooi s! Alaadoad 0g1 gol4M ui uopoipsunf am jo smut am aq iigq aSuRpoyA1 sup 01 aiquoiiddg smui 1pooi pug awls at1 •Apliqu.wnas :MB' 2u►UJano9 •£I •uialat paluu5!sap lauuew atl ui uani2 ua4M aapua' ao 1aMO11og of uanl;i uaaq anut 01 pump aq Hugs &allow sup ui 103 papinold aoilou Ault •uioaaq papinold su 1amolaog of aoilou Aq a3pu2!sap ,Cum aapua' se ssalppu 1ay10 lions 01 10 uialat paluls ssaappg s,lapua' 01 pew polyp= Aq uan!S aq huts aapua' 01 aoilou Aug (q) puu `uiaaay papinoad se aapua' of aoilou Aq alpu2!sap Auw 1aMO11og su ssalppe aatlo tons 3e 10 ssaappg Alladold am w aaMOaaog of passaappu flew pagilaao Aq aoilou lions guiiietu Aq 10 3i 5uuanitap Aq uan1B aq 11ugs a21SPoyA1 sup u! 10i papinoad 1aMOalog 01 aoilou Aug (g) aauugw aat1oup ui uani2 aq o3 mu' alquoitddg aapun paambaa aoilou Aug 10j ldaoxd •00!1oN •Zi •A3aadold am u! 3501030! S 10MOIIOg 1et3 01 50 ap2laolAi sup Bu1A3lpow ao 1aMO11og 1042 gursuajal lnoyl!M pug luasuoo S,10M0110H imp 3not3iM a1oN ay1 .10 aS0TlloyAJ sup Jo swam am 01 pJaa1 tIIM suopupowwo000 1at3o ,Cup 03191.0 10 `apaglo3 `A3!pow `pualxa 01 0012E Agw aapunaaaq 10MO1aog aatlo Aug pug aapua' 1041 saaa0 (o) puu `a2ayioy\i s!43 aapun 10 020N 0t3 uo aiquli A1Ipuosiad 300 sl (q) `auglaoyq sup jo SWIa3 am aapun aapua' 01 Alaadoad am ui lsaaa3u[ S,aaMOalog 3ut1 AanuoO pug luua `a$alaow o1 /quo a4u231oyAi sup 5uiu2is -oo s! (o) `alom am alnoaxa 1ou swop lnq `a2a1J0JAI sup suds -o0 oyM 10MO1a0g ,Cud i pans 0110 3U[Of aq 11045 aaMOlaog Jo sluawaaagg pug s3uguanoO IId •3oalat 91 gdwSulud Jo suois!Awd 0141 0l ioafgns `aaMOalog pug aapua' 3o su2!ssu puu slossa00ns anp0adsal alp `01 aim)! Hulls aapunalat 534 11 at1 pup `puiq slugs paUOIuo0 uiaaay s3uawaaaau puu s3uguanoO at,L •saau2is :Slimy” i vaanas pue 1u1op `.punog su2lssd puu saossaoons •ii •Apawa1 to 34Ru tons Aug jo as!Oaaxa am apntoaid ao jo 1an!uM e aq lou f1pyS `mgi aigooilddo Aq pap1o13g as!M1ay10 10 `aapunalat Apatuaa ao 114 !1 Aug 2u!si0laxa ui aapua' Aq aouoioogaoj Aud •15010301 ui saossao0ns s,laMOalog pup 10MOlaog Iuu!2i10 ay3 Aq apgw pump Aug Jo UOSOOI Aq 0 0 31ow s!y3 Aq paanoas stuns at13o uoiwziyiowu A3ipow asprual o 10 3ua0Apd 103 awp pualxa o3 asnjaa 10 lossa00ns lions 1su!ae auipaaoold OOuawwoO 01 palinbai aq 3ou 11 aapua' *Isamu! ui slossa00nS s,1aMO1aog puu 10MO110g 191.1t410 ay) 3o Aliiiquil at3 `aauugw Aug u! `050010.) 01 awaado Sou lists aaMOaaog 3o 250103U! ui lossaOOns Aug 01 aapua' Aq puma aggalaolnl sits Aq paanoas stuns am Jo uopuzplowu Jo uouu0g!pow ao 9 l gsBed 66 /1. 1.S9£HWNd# 01 9S9E (009) 'DUI suuoA Jasei 09/6 699£ w1Od I 1N3Wl211S FiOJINfi OWIHdNWNd 09/L 3JHJ1210WaN003S ONIWOAM moR obbs"' NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 17. Acceleration; Remedies. Except as provided in paragraph 16 hereof, upon Borrower's breach of any covenant or agreement of Borrower in this Mortgage, including the covenants to pay when due any sums secured by this Mortgage, Lender prior to acceleration shall give notice to Borrower as provided in paragraph 12 hereof specifying: (1) the breach; (2) the action required to cure such breach; (3) a date, not less than 10 days from the date the notice is mailed to Borrower, by which such breach must be cured; and (4) that failure to cure such breach on or before the date specified in the notice may result in acceleration of the sums secured by this Mortgage. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the nonexistence of a default or any other defense of Borrower to acceleration and sale. If the breach is not cured on or before the date specified in the notice, Lender at Lender's option, may declare all of the sums secured by this Mortgage to be immediately due and payable without further demand and may invoke the power of sale and any other remedies permitted by applicable law. Lender shall be entitled to collect all reasonable costs and expenses incurred in pursuing the remedies provided in this paragraph 17, including, but not limited to, reasonable attorneys' fees. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with applicable law. Lender shall mail a copy of a notice of the sale to Borrower in the manner provided in paragraph 12 hereof. Lender shall publish the notice of sale and the Property shall be sold in the manner prescribed by applicable law. Lender or Lender's designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all reasonable costs and expenses of the sale, including, but not limited to, reasonable attorneys' fees and costs of title evidence; (b) to all sums secured by this Mortgage; and (c) the excess, if any, to the person or persons legally entitled thereto. 18. Borrower's Right to Reinstate. Notwithstanding Lender's acceleration of the sums secured by this Mortgage due to Borrower's breach, Borrower shall have the right to have any proceedings begun by Lender to enforce this Mortgage discontinued at any time prior to the earlier to occur of (i) the fifth day before sale of the Property pursuant to the power of sale contained in this Mortgage or (ii) entry of a judgment enforcing this Mortgage if: (a) Borrower pays Lender all sums which would be then due under this Mortgage and the Note had no acceleration occurred;. (b) Borrower cures all breaches of any other covenants or agreements of Borrower contained in this Mortgage; (c) Borrower pays all reasonable expenses incurred by Lender in enforcing the covenants and agreements of Borrower contained in this Mortgage, and in enforcing Lender's remedies as provided in paragraph 17 hereof, including, but not limited to, reasonable attorneys' fees; and (d) Borrower takes such action as Lender may reasonably require to assure that the lien of this Mortgage, Lender's interest in the Property and Borrower's obligation to pay the sums secured by this Mortgage shall continue unimpaired. Upon such payment and cure by Borrower, this Mortgage and the obligations secured hereby shall remain in full force and effect as if no acceleration had occurred. 19. Assignment of Rents; Appointment of Receiver; Lender in Possession. As additional security hereunder, Borrower hereby assigns to Lender the rents of the Property, provided that Borrower shall, prior to acceleration under paragraph 17 hereof or abandonment of the Property, have the, right to collect and retain such rents as they become due and payable. Upon acceleration under paragraph 17 hereof or abandonment of the Property, and at any time prior to the expiration of any period of redemption following judicial sale, Lender, in person, by agent or by judicially appointed receiver, shall be entitled to enter upon, take possession of and manage the Property and to collect the rents of the Property including those past due. All rents collected by Lender or the receiver shall be applied first to payment of the costs of management of the Property and collection of rents, including, but not limited to, receiver's fees, premiums on receiver's bonds and reasonable attorneys' fees, and then to the sums secured by this Mortgage. Lender and the receiver shall be liable to account only for those rents actually received. 20. Release. Upon payment of all sums secured by this Mortgage, Lender shall release this Mortgage without charge to Borrower. Borrower shall pay all costs of recordation, if any. 21. Waiver of Homestead. Borrower hereby waives all right of homestead exemption in the Property. WYOMING SECOND MORTGAGE- 1/80 FNMA/FHLMC UNIFORM INSTRUMENT Form 3851 1/80 Laser Forms Inc. (800) 446 -3555 LFI #FNMA3851 1/99 Pages of 6 Initial 40 obbsof'' REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGES OR DEEDS OF TRUST Borrower and Lender request the holder of any mortgage, deed of trust or other encumbrance with a lien which has priority over this Mortgage to give Notice to Lender, at Lender's address set forth on page one of this Mortgage, of any default under the superior encumbrance and of any sale or other foreclosure action. IN WITNESS WHEREOF, Borrower has executed this Mortgage. WITNESS my hand and official seal. My commission expires: co 6 Form 3851 1/80 Laser Forms Inc. (800) 446 -3555 LFI #FNMA3851 1/99 Page 6 of 6 4 �(J (Seal) Borrower (Seal) Jill jRittner Borrower (Seal) Borrower The foregoing instrument was acknowledged before me this August 28, 2000 (date) by Robert Rittner and Jill Rittner, husband and wife, as tenants by the entireties (person acknowledging) [Space Below This Line Reserved For Lender and Recorder] WYOMING SECOND MORTGAGE- 1/80 FNMA/FHLMC UNIFORM INSTRUMENT (Seal) Borrower STATE OF WYOMING, Teton County ss: