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OLC7436
5. The Mortgagor may prepay the principal amount in whole or in part at any
time without penalty. Any partial prepayment shall be applied against the
principal amount outstanding and shall not postpone the due date of any
subsequent annual installments or change the amount of such installments,
unless the Mortgagee shall otherwise agree in writing.
6. If any payment is made more than fifteen (15) days after the date due the
mortgage shall pay an additional fifty dollars ($50.00) in the form of a late
payment charge.
Hereby mortgages to mortgagee, the following described real estate, situated in the
County of Lincoln, State of Wyoming:
02G
THE DESCRIPTION MORE FULLY DESCRIBED IN EXHIBIT "AM{WHICH
IS HERETO ATTACHED AND MADE PART OF BY REFERENCE, AS IF
IT HAD BEEN FULLY SET FORTH HEREIN
including all buildings and improvements thereon or that may hereafter be erected
thereon; together with hereditaments and appurtenances and all other rights thereunto
belonging, or in anywise now or hereafter appertaining, and the reversion and
reversions, remainder and remainders, rents, issues, and profits thereof, and all
plumbing, heating, and lighting fixtures and equipment now or hereafter attached to or
used in connection with the premises.
Mortgagor hereby relinquishes and waives all rights under and by virtue of the
homestead laws of the State of Wyoming and covenants that it is lawfully seized of the
premises, that they are free from all encumbrances and hereby covenants to warrant
and defend the title of the premises against the lawful claims of all persons
whomsoever.
And mortgagor covenants with mortgagee as follows:
1. In case of default in any of the payments stipulated in the note, mortgagor, as
further security for this mortgage and the note secured thereby, hereby assigns, sets
Bowers Law Office P.C.
110 Hospital Lane
P.O. Box 1550
Afton, Wyoming 83110
Mortgage Page 2 of 7
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otiti 74:36
and in case of any failure on the part of mortgagor to comply with the covenants of
Paragraph 5 hereof, mortgagee may effect such repairs as it may reasonable deem
necessary to protect the property, at the expense of mortgagor. Mortgagor shall repay
such sums so paid and all expenses so incurred by mortgagee, with interest thereon
from the date of payment, at 10% percent per annum, and the same shall be a lien on
the premises and be secured by the note and by these presents; in default of making
such repayments the whole amount hereby secured if not then due shall, if mortgagee
so elects, become due and payable forthwith, anything herein contained to the contrary
notwithstanding.
8. In the event the property is sold under foreclosure and the proceeds are
insufficient to pay the total indebtedness secured hereby, mortgagor binds itself
personally to pay the unpaid balance, and mortgagee will be entitled to a.deficiency
judgment.
9. In case default is made in the payment, when due, of the indebtedness
hereby secured, or of any installment thereof or any part thereof, or in case of breach of
any covenant or agreement herein contained, the whole of the then indebtedness
secured hereby, inclusive of principal, interest, arrearages, ground rents, if any, taxes,
assessments, water charges, expenditures for repairs or maintenance, together with all
other sums payable pursuant to the provisions hereof, shall become immediately due
and payable, at the option of mortgagee, although the period above limited for the
payment thereof may note have expired, anything herein before or in the note
contained to the contrary notwithstanding; any failure to exercise such option shall not
constitute a waiver of the right to exercise the same at any other time; and it shall be
lawful for mortgagee to proceed to enforce the provisions of this mortgage either by suit
at law or in equity, as it may elect, or to foreclose this mortgage by advertisement and
sale of the premises, at public auction for cash, according to Wyoming Statutes
Bowers Law Office P.C.
110 Hospital Lane
P.O. Box 1550
Afton, Wyoming 83110
Mortgage Page 4 of 7
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0867436 030
hereby consented to by mortgagor on mortgagor's own behalf), and all rents, issues,
profits, income, and revenue of the property shall be applied by such receiver,
according to law and the orders and directions of the court.
11. Mortgagor may not convey or transfer any interest in or encumber the
described premises without the prior written consent of the mortgagee. Mortgagor must
give mortgagee written notice of mortgagor's intent to convey or transfer any interest in
or to encumber the described premises at least thirty (30) days prior to the proposed
conveyance or encumbrance. If all or any part of the described premises or an interest
therein is sold, transferred or encumbered by mortgagor without mortgagee's prior
written consent, excluding death of a joint tenant or the grant of any leasehold interest
of three (3) years or less not containing an option to purchase, mortgagee may, at its
option, declare the entire remaining balance due under this agreement to be
immediately due and payable and give written notice to mortgagor thereof. After receipt
of such written notice, mortgagor shall have thirty (30) days in which to pay the entire
remaining balance to mortgagee.
12. The covenants herein contained shall bind, and the benefits and advantages
shall inure to, the respective heirs, executors, administrators, successors, and assigns
of the parties hereto. Whenever used, the singular number shall include the plural, the
plural the singular, and the use of any gender shall include all genders.
13. Whenever used herein, the terms "mortgagor" and "mortgagee" include all
the parties to this instrument and the heirs, legal representatives, and assigns of
individuals, and the successors and assigns of corporations; and the term "Note"
includes all the notes and promissory notes herein described if more than one.
Bowers Law Office P.C.
110 Hospital Lane
P.O. Box 1550
Afton, Wyoming 83110
Mortgage Page 6 of 7
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REPAYMENT OF THE MCKELL AND LESA PORTER LOAN
Principal: 24,165.00 Int. Rate: 6.000 Years: 15
Annual payment 2,488.10
Final estimated payment 2,487.99
Date No. Interest Principal Balance
1/2003 1 1,449.90 1,038.20 23, 126.80 (J8
2003 Totals 1,449.90 1,038.20
1/2004 2 1,387.61 1,100.49 22,026.31
2004 Totals 1,387.61 1,100.49
1/2005 3 1,321.58 1,166.52 20,859.79
2005 Totals 1,321.58 1,166.52
1/2006 4 1,251.59 1,236.51 19,623.28
2006 Totals 1,251.59 1,236.51
1/2007 5 1,177.40 1,310.70 18,312.58
2007 Totals 1,177.40 1,310.70
1/2008 6 1,098.75 1,389.35 16,923.23
2008 Totals 1,098.75 1,389.35
1/2009 7 1,015.39 1,472.71 15,450.52
2009 Totals 1,015.39 1,472.71
1/2010 8 927.03 1,561.07 13,889.45
2010 Totals 927.03 1,561.07
1/2011 9 833.37 1,654.73 12,234.72
2011 Totals 833.37 1,654.73
1/2012 10 734.08 1,754.02 10,480.70
2012 Totals 734.08 1,754.02
1/2013 11 628.84 1,859.26 8,621.44
628.84 1,859.26
2013 Totals
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1/2014 12
2014 Totals
2015 Totals
2016 Totals
2017 Totals
Grand Totals
517.29 1,970.81
517.29 1,970.81
1/2015 13 399.04 2,089.06 4,561.57 OSV7436
399.04 2,089.06
1/2016 14 273.69 2,214.41 2,347.16
273.69 2,214.41
1/2017 15 140.83 2,347.16 0.00
140.83 2,347.16
13,156.39 24,165.00
6, 650.63
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