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This Mort gage
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RECORDATIbN REQUESTED BY:
First Bank of Idaho
Jackson Mortgage
P.O. Box 12860
Jackson, WY 83002
WHEN RECORDED MAIL TO:
First Bank of Idaho
Jackson Mortgage
P.O. Box 12860
Jackson, WY 83002
SEND TAX NOTICES TO:
First Bank of Idaho
Jackson Mortgage
367036
MORTGAGE
RECEIVED
00 JUL 18 .E 10: 2 1
J l i 1\1 N z i t
EPigMEF ER, WYOMING
B001448 'R PAGE 6 6 8
SPACE ABOVE THIS LINE IS FOR RECORDER'S USE ONLY
cv 1
THIS MORTGAGE dated July 14, 2000, is made and executed between Robert Rittner and Jill Rattner, husband
and wife, as tenants by the entireties (referred to below as "Grantor and First Bank of Idaho, whose address
is Jackson Mortgage, P.O. Box 12860, Jackson, WY 83002 (referred to below as "Lender
GRANT OF MORTGAGE. For valuable consideration, Grantor mortgages and conveys to Lender all of Grantor's right, title, and interest in and to
the following described real property, together with all existing or subsequently erected or affixed buildings, improvements and fixtures; all easements,
rights of way, and appurtenances; all water, water rights, watercourses and ditch rights (including stock in utilities with ditch or irrigation rights); and all
other rights, royalties and profits relating to the real property including without limitation all minerals, oil, gas, geothermal and similar matters, (the
"Real Property") located in Lincoln County, 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.
The Real Property or its address is commonly known as 61 First Ave., Alpine, WY 83128.
Grantor presently assigns to Lender all of Grantor's right, title, and interest in and to all present and future leases of the Property and all Rents from the
Property. In addition, Grantor grants to Lender a Uniform Commercial Code security interest in the Personal Property and Rents.
THIS MORTGAGE, INCLUDING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND PERSONAL PROPERTY, IS
GIVEN TO SECURE (A) PAYMENT OF THE INDEBTEDNESS AND (B) PERFORMANCE OF ANY AND ALL OBLIGATIONS UNDER THE NOTE,
THE RELATED DOCUMENTS, AND THIS MORTGAGE. THIS MORTGAGE IS GIVEN AND ACCEPTED ON THE FOLLOWING TERMS:
GRANTOR'S WAIVERS. Grantor waives all rights or defenses arising by reason of any "one action" or "anti- deficiency" law, or any other law which
may prevent Lender from bringing any action against Grantor, including a claim for deficiency to the extent Lender is otherwise entitled to a claim for
deficiency, before or after Lender's commencement or completion of any foreclosure action, either judicially or by exercise of a power of sale.
GRANTOR'S REPRESENTATIONS AND WARRANTIES. Grantor warrants that: (a) this Mortgage is executed at Borrower's request and not at the
request of Lender; (b) Grantor has the full power, right, and authority to enter into this Mortgage and to hypothecate the Property; (c) the provisions of
this Mortgage do not conflict with, or result in a default under any agreement or other instrument binding upon Grantor and do not result in a violation
of any law, regulation, court decree or order applicable to Grantor; (d) Grantor has established adequate means of obtaining from Borrower on a
continuing basis information about Borrower's financial condition; and (e) Lender has made no representation to Grantor about Borrower (including
without limitation the creditworthiness of Borrower).
PAYMENT AND PERFORMANCE. Except as otherwise provided in this Mortgage, Borrower shall pay to Lender all Indebtedness secured by this
Mortgage as it becomes due, and Borrower and Grantor shall strictly perform all Borrower's and Grantor's obligations under this Mortgage.
POSSESSION AND MAINTENANCE OF THE PROPERTY. Borrower and Grantor agree that Borrower's and Grantor's possession and use of the
Property shall be governed by the following provisions:
Possession and Use. Until the occurrence of an Event of Default, Grantor may (1) remain in possession and control of the Property; (2) use,
operate or manage the Property; and (3) collect the Rents from the Property.
Duty to Maintain. Grantor shall maintain the Property in good condition and promptly perform all repairs, replacements, and maintenance
necessary to preserve its value.
Compliance With Environmental Laws. Grantor represents and warrants to Lender that: (1) During the period of Grantor's ownership of the
Property, there has been no use, generation, manufacture, storage, treatment, disposal, release or threatened release of any Hazardous
Substance by any person on, under, about or from the Property; (2) Grantor has no knowledge of, or reason to believe that there has been,
except as previously disclosed to and acknowledged by Lender in writing, (a) any breach or violation of any Environmental Laws, (b) any use,
generation, manufacture, storage, treatment, disposal, release or threatened release of any Hazardous Substance on, under, about or from the
Property by any prior owners or occupants of the Property, or (c) any actual or threatened litigation or claims of any kind by any person relating
to such matters; and (3) Except as previously disclosed to and acknowledged by Lender in writing, (a) neither Grantor nor any tenant,
contractor, agent or other authorized user of the Property shall use, generate, manufacture, store, treat, dispose of or release any Hazardous
Substance on, under, about or from the Property; and (b) any such activity shall be conducted in compliance with all applicable federal, state,
and local laws, regulations and ordinances, including without limitation all Environmental Laws. Grantor authorizes Lender and its agents to enter
upon the Property to make such inspections and tests, at Grantor's expense, as Lender may deem appropriate to determine compliance of the
Property with this section of the Mortgage. Any inspections or tests made by Lender shall be for Lender's purposes only and shall not be
construed to create any responsibility or liability on the part of Lender to Grantor or to any other person. The representations and warranties
contained herein are based on Grantor's due diligence in investigating the Property for Hazardous Substances. Grantor hereby (1) releases and
waives any future claims against Lender for indemnity or contribution in the event Grantor becomes liable for cleanup or other costs under any
such laws; and (2) agrees to indemnify and hold harmless Lender against any and all claims, losses, liabilities, damages, penalties, and expenses
which Lender may directly or indirectly sustain or suffer resulting from a breach of this section of the Mortgage or as a consequence of any use,
generation, manufacture, storage, disposal, release or threatened release occurring prior to Grantor's ownership or interest in the Property,
whether or not the same was or should have been known to Grantor. The provisions of this section of the Mortgage, including the obligation to
indemnify, shall survive the payment of the Indebtedness and the satisfaction and reconveyance of the lien of this Mortgage and shall not be
affected by Lender's acquisition of any interest in the Property, whether by foreclosure or otherwise.
Nuisance, Waste. Grantor shall not cause, conduct or permit any nuisance nor commit, permit, or suffer any stripping of or waste on or to the
Property or any portion of the Property. Without limiting the generality of the foregoing, Grantor will not remove, or grant to any other party the
right to remove, any timber, minerals (including oil and gas), coal, clay, scoria, soil, gravel or rock products without Lender's prior written consent.
Removal of Improvements. Grantor shall not demolish or remove any Improvements from the Real Property without Lender's prior written
consent. As a condition to the removal of any Improvements, Lender may require Grantor to make arrangements satisfactory to Lender to replace
such Improvements with Improvements of at least equal value.
Lender's Right to Enter. Lender and Lender's agents and representatives may enter upon the Real Property at all reasonable times to attend to
Lender's interests and to inspect the Real Property for purposes of Grantor's compliance with the terms and conditions of this Mortgage.
Compliance with Governmental Requirements. Grantor shall promptly comply with all laws, ordinances, and regulations, now or hereafter in
effect, of all governmental authorities applicable to the use or occupancy of the Property. Grantor may contest in good faith any such law,
ordinance, or regulation and withhold compliance during any proceeding, including appropriate appeals, so long as Grantor has notified Lender in
writing prior to doing so and so long as, in Lender's sole opinion, Lender's interests in the Property are not jeopardized. Lender may require
Grantor to post adequate security or a surety bond, reasonably satisfactory to Lender, to protect Lender's interest.
Duty to P f rantor agrees neither to abandon nor leave un the Property. Grantor shall do all other acts, V o those acts
set forth s section, which from the character and use ot3rty are reasonably necessary to protect and pr Property.
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MORTGAGE
(Continued)
086'7037
670
Page 3
Lender cash or a sufficient corporate surety bond or other security satisfactory to Lender.
SECURITY AGREEMENT; FINANCING STATEMENTS. The following provisions relating to this Mortgage as a security agreement are a part of this
Mortgage:
Security Agreement. This instrument shall constitute a Security Agreement to the extent any of the Property constitutes fixtures or other personal
property, and Lender shall have all of the rights of a secured party under the Uniform Commercial Code as amended from time to time.
Security Interest. Upon request by Lender, Grantor shall execute financing statements and take whatever other action is requested by Lender to
perfect and continue Lender's security interest in the Personal Property. In addition to recording this Mortgage in the real property records, Lender
may, at any time and without further authorization from Grantor, file executed counterparts, copies or reproductions of this Mortgage as a financing
statement. Grantor shall reimburse Lender for all expenses incurred in perfecting or continuing this security interest. Upon default, Grantor shall
assemble the Personal Property in a manner and at a place reasonably convenient to Grantor and Lender and make it available to Lender within
three (3) days after receipt of written demand from Lender.
Addresses. The mailing addresses of Grantor (debtor) and Lender (secured party) from which information concerning the security interest
granted by this Mortgage may be obtained (each as required by the Uniform Commercial Code) are as stated on the first page of this Mortgage.
FURTHER ASSURANCES; ATTORNEY -IN -FACT. The following provisions relating to further assurances and attorney -in -fact are a part of this
Mortgage:
Further Assurances. At any time, and from time to time, upon request of Lender, Grantor will make, execute and deliver, or will cause to be
made, executed or delivered, to Lender or to Lender's designee, and when requested by Lender, cause to be filed, recorded, refiled, or
rerecorded, as the case may be, at such times and in such offices and places as Lender may deem appropriate, any and all such mortgages,
deeds of trust, security deeds, security agreements, financing statements, continuation statements, instruments of further assurance, certificates,
and other documents as may, in the sole opinion of Lender, be necessary or desirable in order to effectuate, complete, perfect, continue, or
preserve (1) Borrower's and Grantor's obligations under the Note, this Mortgage, and the Related Documents, and (2) the liens and security
interests created by this Mortgage as first and prior liens on the Property, whether now owned or hereafter acquired by Grantor. Unless prohibited
by law or Lender agrees to the contrary in writing, Grantor shall reimburse Lender for all costs and expenses incurred In connection with the
matters referred to in this paragraph.
Attorney -in -Fact. If Grantor fails to do any of the things referred to in the preceding paragraph, Lender may do so for and in the name of Grantor
and at Grantor's expense. For such purposes, Grantor hereby irrevocably appoints Lender as Grantor's attorney -in -fact for the purpose of
making, executing, delivering, filing, recording, and doing all other things as may be necessary or desirable, in Lender's sole opinion, to
accomplish the matters referred to in the preceding paragraph.
FULL PERFORMANCE. If Borrower pays all the Indebtedness when due, and otherwise performs all the obligations imposed upon Grantor under this
Mortgage, Lender shall execute and deliver to Grantor a suitable satisfaction of this Mortgage and suitable statements of termination of any financing
statement on file evidencing Lender's security interest in the Rents and the Personal Property. Grantor will pay, if permitted by applicable law, any
reasonable termination fee as determined by Lender from time to time.
EVENTS OF DEFAULT. At Lender's option, Grantor will be in default under this Mortgage if any of the following happen:
Payment Default. Borrower fails to make any payment when due under the Indebtedness.
Default on Other Payments. Failure of Grantor within the time required by this Mortgage to make any payment for taxes or insurance, or any
other payment necessary to prevent filing of or to effect discharge of any lien.
Break Other Promises. Borrower or Grantor breaks any promise made to Lender or fails to perform promptly at the time and strictly in the
manner provided in this Mortgage or in any agreement related to this Mortgage.
Default In Favor of Third Parties. Should Borrower or any Grantor default under any loan, extension of credit, security agreement, purchase or
sales agreement, or any other agreement, in favor of any other creditor or person that may materially affect any of Borrower's or any Grantor's
property or Borrower's ability to repay the Indebtedness or Borrower's or Grantor's ability to perform their respective obligations under this
Mortgage or any related document.
False Statements. Any representation or statement made or furnished to Lender by Borrower or Grantor or on Borrower's or Grantor's behalf
under this Mortgage, the Note, or the Related Documents is false or misleading in any material respect, either now or at the time made or
furnished.
Defective Collateralizatlon. This Mortgage or any of the Related Documents ceases to be in full force and effect (including failure of any collateral
document to create a valid and perfected security interest or lien) at any time and for any reason.
Death or Insolvency. The death of Borrower or Grantor, the insolvency of Borrower or Grantor, the appointment of a receiver for any part of
Borrower's or Grantor's property, any assignment for the benefit of creditors, any type of creditor workout, or the commencement of any
proceeding under any bankruptcy or insolvency laws by or against Borrower or Grantor.
Taking of the Property. Any creditor or governmental agency tries to take any of the Property or any other of Borrower's or Grantor's property in
which Lender has a lien. This includes taking of, garnishing of or levying on Borrower's or Grantor's accounts with Lender. However, if Borrower
or Grantor disputes in good faith whether the claim on which the taking of the Property is based is valid or reasonable, and if Borrower or Grantor
gives Lender written notice of the claim and furnishes Lender with monies or a surety bond satisfactory to Lender to satisfy the claim, then this
default provision will not apply.
Breach of Other Agreement. Any breach by Borrower or Grantor under the terms of any other agreement between Borrower or Grantor and
Lender that is not remedied within any grace period provided therein, including without limitation any agreement concerning any indebtedness or
other obligation of Borrower or Grantor to Lender, whether existing now or later.
Events Affecting Guarantor. Any of the preceding events occurs with respect to any guarantor, endorser, surety, or accommodation party of any
of the Indebtedness or any guarantor, endorser, surety, or accommodation party dies or becomes incompetent, or revokes or disputes the validity
of, or liability under, any Guaranty of the Indebtedness In the event of a death, Lender, at its option, may, but shall not be required to, permit the
guarantor's estate to assume unconditionally the obligations arising under the guaranty in a manner satisfactory to Lender, and, in doing so, cure
any Event of Default.
Insecurity. Lender in good faith believes itself insecure.
Right to Cure. If such a failure is curable and if Borrower or Grantor has not been given a notice of a breach of the same provision of this
Mortgage within the preceding twelve (12) months, it may be cured (and no Event of Default will have occurred) if Borrower or Grantor, after
Lender sends written notice demanding cure of such failure: (a) cures the failure within fifteen (15) days; or (b) if the cure requires more than
fifteen (15) days, immediately initiates steps sufficient to cure the failure and thereafter continues and completes all reasonable and necessary
steps sufficient to produce compliance as soon as reasonably practical.
RIGHTS AND REMEDIES ON
exercise any one or more of the
Accelerate Indebtedness.
and payable, including any
DEFAULT. Upon the occurrence of an Event of Default and at any time thereafter, Lender, at Lender's option, may
following rights and remedies, in addition to any other rights or remedies provided by law:
Lender shall have the right at its option without notice to Grantor to declare the entire Indebtedness immediately due
prepayment penalty which Grantor would be required to pay.
UCC Remedies. With respect to all or any part of the Personal Property, Lender shall have all the rights and remedies of a secured party under
the Uniform Commercial Code.
Collect Rents. Lender shall have the right, without notice to Borrower or Grantor, to take possession of the Property, including during the
pendency of foreclosure, whether judicial or non judicial, and collect the Rents, including amounts past due and unpaid, and apply the net
proceeds, over and above Lender's costs, against the Indebtedness. In furtherance of this right, Lender may require any tenant or other user of
the Property to make payments of rent or use fees directly to Lender. If the Rents are collected by Lender, then Grantor irrevocably designates
Lender as Grantor's attorney -in -fact to endorse instruments received in payment thereof in the name of Grantor and to negotiate the same and
collect the proceeds. Payments by tenants or other users to Lender in response to Lender's demand shall satisfy the obligations for which the
payments are made, whether or not any proper grounds for the demand existed. Lender may exercise its rights under this subparagraph either in
person, by agent, or through a receiver.
Appoint Receiver. Lender shall have the right to have a receiver appointed to take possession of all or any part of the Property, with the power to
protect and preserve the Property, to operate the Property preceding foreclosure or sale, and to collect the Rents from the Property and apply the
proceeds, over and above the cost of the receivership, against the Indebtedness. The receiver may serve without bond if permitted by law.
Lender's right to the appointment of a receiver shall exist whether or not the apparent value of the Property exceeds the Indebtedness by a
substantilma Employment by Lender shall not disqualify a pn serving as a receiver.
Judicial e. Lender may obtain a judicial decree foreclol itor's interest in all or any part of the Property.
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atl woe; penpap sll ;eueq aeylo pus 'sll ;oad 'segisAoa 'senss! 'ewooul 'senuenea 'slum am; pug iueseid susew sluaH pawn all sluaH
•sseupeugepul ell won uolloeuuoo uI pelnoexe 'fiullslxe ael}seaeq JO MOU aegwegM 'suuewnoop pue slueweea6s
'sluewnalsui aeylo ps pue 'se6e63aow lgaelElloo 'speep Alunoes 'lsnal ;o speep 'se6eBlaow 'slueweea6s Awnoes 'segusasn6 'slueweea6s
leluewuoalnue 'slueweeiBs usol 'slueweea6s pen 'selou Aaosslwoad usew „sluewnooa pelsle>_l„ spaoM etl •sluawnoo0 peleleu
e6s0poinj slyl u; pequosep aepun; se 'sulk, pus slswelw 'Apedoad lees ell usew „Apedoad iseli„ spaoM ell •Alaedoad lea i
•Alaedoad !mowed eq. pus Apedoad Ise an Aleniuoeiioo susew „Alaedoad„ paoM eqi •Apedoad
•Alaedaad etu ;o uo;l;sodslp aeylo JO erss Aus woe; (swn;waad
;o spun ;ea pus speeooad eousansu! Its uollellwll InOg1iM 6ulpnloul) speeooad ire gllM aegweBol pus :Alaedoad Lions ;o Aus 'ao; suolinulusgns Hs pus
suueweosidea Ile `o1- suoluipps pus 'sued 'suolsseoos Ile tom aeyle6ol'Alaedoad !sell eyu oI pexwe JO pegosuue aeuseaeq JO MOU pus 'aolusa0 Aq
peumo aauseaet ao Mou Apedoad lsuosaed ;o selows eel to pus 'seanlxl; 'IUewdlnbe lre usew „Apedoad isuosaed„ spaoM ell •Alaadoad !mowed
•000a 'p1- aegolop s; e6e JoJ swig) elsp Alan ew ell iuewewEls JO elou kaoss;woad
all ao; suolunlgsgns pus ;o suollepl;osuoo ;o s6ulousu; ;ea ;o suogeo; ;;pow ;o suo;suepce ;o slemeuea IIE IIIM aewe6ol 'aepuei Ol aeMoaaos
WW 1 00.005'£01-$ 10 ;unowe ledloulad leul6lao ay} u! '000z Alnr pewp elou Aaoss;woad eql susew „eloN„ paoM ell •aloN
•aepuei pus aouusa0 ueemleq e6s6uoW sly, susew „e6s6poiN„ paoM ell •e6e63aoyy
'eloN all u; lsaaelul Aus seapnbos leg; Ausdwoo
JO uosaed Aug usew „su6isse ao saosseoons„ spaoM ell •su6;sse pus saosseoons s1-! 'olupl ;o >luea Isald susew „Jepuel„ paoM all •aapua
•e6e6pow s;ql u! pepinoad se slunows tons uo lseaelul IIIM aegle6ou 'e6e6uow s;yu aepun suolls6,igo s,aolueJo
eoao;Ue of iepue•1 Aq peamoul sesuedxe JO suolus611go s,aolusio e6asgos;p oI 4epue Aq peousnps JO pepuedxe slunowe Aus pus sluewnooa
peusied JO eloN ell ao; suollnlwsgns pus ;o suogspposuoo ;o suoIwol ;ipow ;o suo;suelxe ;o sismeuea Ile IIIM aagle5ou 'sluewnooa pelsled
ao eloN eqj aepun eigsAsd sesuedxe pus susoo 'slunows cello pus 'Iseaelu; 'Isdloupd rre susew „sseupelgepul„ Nom e41 •sseupelgepul
•Alaedoad IeeE! equ uo uoilonalsuoo Jel to pus slueweosldea 'suolllpps 'seglrloe; 'Alaedoad
;sed eyI uo pexws sewoq ei;gow 'seanlonals 'sBulpilnq 's;uewenoadw; emin; pus 6ullslxe its susew „swewenoadwl„ Nom all •sluewenowdwi
sousegse pus;oeaayl
uoposa; Aus JO slonpad -Aq wneloaled pue wneroaled `uollEl;wlj unoyllM 'sepnroul Deis „seouslsgns snopaszsH„ won all •sms•1 lsuuewuoalnu3
eqj aepun pep!! JO Aq peul ;ep ss elseM JO sreuelsw `seoueusgns oval JO snopaersq Il5 pus Aug uollsllwlr Inoylim epnrou; pus esuos Isepsoaq
ken aleyl u; pesn ace „seouslsgns snopaszsH„ spaoM eqj •pelpUsq es;Maeylo JO pelaodsueal 'pemlos ;nusw 'pelsaeue6 ;o pesods;p 'pawls