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HomeMy WebLinkAbout889965~3017718 889965 BOOK ~/~'(}PR PAGE- '~' 3 7 Space Above This Line For Recording Data MORTGAGE DATE AND PARTIES. The date of this Mortgage (Security Instrument) is May 8, 2003. addresses are: MORTGAGOR: DEAN JENKINS Husband and Wife 459 PRATER CANYON ROAD 116 FREEDOM, Wyoming 83120 ELAINE JENKINS Husband and Wife 459 PRATER CANYON ROAD FREEDOM, Wyoming 83120 CLERK The parties and th'eir LENDER: FIRST NATIONAL BANK - WEST Organized and existing under the laws of the United States. of America 314 S Washington PO Box 1620 Afton, Wyoming 83110 83-0162601 1. CONVEYANCE. For good and valuable consideration, the receipt and sufficiency of wi?ch is acknowledged, and to secure the Secured Debts and Mortgagor's performance under this Security Instrument, Mortgagor grants, bargains, conveys, mortgages and warrants to Lender, with the power of sale, the following described property: SEE ATTACHED SCHEDULE "A" The property is located in LINCOLN County at 459 PRATER CANYON ROAD 116, FREEDOM, Wyoming 83120. Together with all rights, easements, appurtenances, royalties, mineral rights, oil and gas rights, crops, timber, all diversion payments or third party payments made to crop producers 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 (all referred to as Property). This Security Instrument will remain in effect until the Secured Debts and all underlying agreements have been terminated in writing by Lender. 2. MAXIMUM OBLIGATION LIMIT. The total principal amount secured by this Security Instrulment at any one time will not exceed $39,388.00. 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 covenantsl contained in this Security Instrument.' Debts: 3. SECURED DEBTS. This Security instrument will secure the following Secured A. Specific Debts. The following debts and all extensions, renewals, refinancing~, modifications and replacements. A promissory note, No. 64002971, dated May 8, 2003, fromWYNN O JENKINS and LORETTA JENKINS (Borrower) to Lender, with a loan amount of $39,388.00. / B. All Debts. All present and future debts from WYNN O JENKINS and LORETTA JENKINS to Lender, even if this Security Instrument is not specifically referenced, or if the future debt is unrelated to.or of a different type' than this debt. If more than one person signs this Security Instrument, each agrees that it will secure debts incurred either individually or with others who may not sign this Security Instrument. Nothing in this Security Instrument constitutes a commitment to make additional or future loans or advances. Any such commitment must be in writing. In the event that Lender fails to. provide any required notice of th]e right of rescission, Lender waives any subsequent security interest in 'the Mortgagor's principal dwelling tHatl is created by this Security Instrument. This Security Instrument will not secure any debt for which a non-possessory, non- Wyoming Mortgage WY/4brandiemO0623900003872012050803Y ©1996 Bankers Systems, Inc., St. Cloud, MN Initials Page 1 purchase money security interest is created in 'household goods" in connection with a I"consumer loan," as those terms are defined by federal law governing unfair and deceptive credit practices. This Security Instrument will not secure any debt for which a security interest is created in "margin stock" and Lender does not obtain a "statement of purpose," as defined and required by federal law governing securities. C. Sums Advanced. All sums advanced and expenses incurred by Lender under the t~rms of this Security Instrument. 4. PAYMENTS. Mortgagor agrees that all payments under the Secured Debts will be p~id when due and in accordance with the terms of the Secured Debts and this Security Instrument. 5. PRIOR SECURITY INTERESTs. With regard to any other mortgage, deed of trust, securit' agreement or other lien document that created a prior security interest or encumbrance on the Property, Mortgago~ agrees: A. To make all payments when due and to perform or comply with all covenants. B. To promptly deliver to Lender any notices that Mortgagor receives from the holder. C. Not to allow any modification or extension of, nor to request any future advances under any note or agreement secured by the lien document without Lender's prior written consent. 6. CLAIMS AGAINST TITLE. Mortgagor will pay all taxes, assessments, liens, encumbrances, lease payments, ground rents, utilities, and other charges relating to the Property when due. Lender may 'equire Mortgagor to provide to Lender copies of all notices that such amounts are due and the receipts evidencing Mortgagor's payment. Mortgagor will defend title to the Property against any claims that would impair th, lien of this Security Instrument. Mortgagor agrees to assign to Lender, as requested by Lender, any rights, claims or defenses Mortgagor may have against parties who supply labor or materials to maintain or improve the Property. 7. DUE ON SALE. Lender may, at its option, declare the entire balance of the Secured Debts~ to be immediately due and payable upon the creation of, or contraCt for the creation of, a transfer or sale of th~~ Property. This right is subject to the restrictions imposed by federal law governing the preemption of state clue-on-sale laws, as applicable. 8. WARRANTIES AND REPRESENTATIONS. Mortgagor has the right and authority to enter into this Security Instrument. The execution and delivery of this Security Instrument will not violate any ~greement governing Mortgagor or to which Mortgagor is a party. 9. PROPERTY CONDITION, ALTERATIONS AND INSPECTION. Mortgagor will keep the Prop~ rty in good condition and make all repairs that are reasonably necessary. Mortgagor will not commit or allow any waste, impairment, or deterioration of the Property. MOrtgagor will keep the Property free of noxious weeds ancl grass, es. Mortgagor agrees that the nature of the occupancy and use will not substantially change without Lender s prior written consent. Mortgagor will not permit any change in any license, restrictive covenant or easem!ent without Lender's prior written consent. Mortgagor will notify Lender of all demands, proceedings, claims, and actions against Mortgagor, and of any loss or damage to the Property. No portion of the Property will be removed, demolished or materially altered without Lender's prior written consent except that Mortgagor has the right to remove items of personal property comprising a part of the Property that become worn or obsolete, provided that such personal property is replaced with other perscnal property at least equal in value to the replaced personal property, free from any title retention device, securit, agreement or other encumbrance. Such replacement of personal property Will be deemed subject to the securit[y interest created by this Security Instrument. Mortgagor will not partition or subdivide the Property without L~nder s prior written consent. Lender or Lender's agents may, at Lender's option, enter the Property at any reasonable time for the purpose of inspecting the Property. Lender will give Mortgagor notice at the time of or before an inspection specifying a reasonable purpose for the inspection. Any inspection' of the Property will be entirely for Lender's benefit and Mortgagor will in no way rely on Lender's inspection. 10. AUTHORITY TO PERFORM. If Mortgagor fails to perform any duty or any of the covenants contained in this Security Instrument, Lender may, without notice, perform or cause them to be performed Mortgagor appoints Lender as attorney in fact to sign Mortgagor's name or pay any amount necessary for perforrrance. Lender's right to perform for Mortgagor will not create an obligation to perform, and Lender's failure to perf)rm will not preclude Lender from exercising any of Lender's other rights under the law or this Security Instrument If any construction on the Property is discontinued or not carried on in a reasonable manner, Lender may take II steps necessary to protect Lender's security interest in the Property, including completion of the construction. 11. ASSIGNMENT OF LEASES AND RENTS. Mortgagor assigns, grants, bargains, conveys, mortgages and warrants to Lender as additional secUrity all the right, title and interest in the following (all referred to as Property). A. Existing or future leases, subleases, licenses, guaranties and any other written or verb~ agreements for the use and occupancy of the Property, including any extensions, renewals, modifications or replacements (all referred to as Leases). B. Rents, issues and profits (all referred to as Rents), including but not limited to securit deposits, minimum rent, percentage rent, additional rent, common area maintenance charges, parking chargl;s, real estate taxes, other applicable taxes, insurance premium contributions, liquidated damages following default, cancella'tion premiums, "loss of rents" insurance, guest receipts, revenues, royalties, proceeds, bonuse accounts, contract rights, general intangibles, and all rights and claims which Assignor may have that in any way pertain to or are on account of the use or occupancy of the whole or any part of the Property. tn the event any item listed as Leases or Rents'is determined to be personal property, this Aslsignment will also be regarded as a security agreement. Mortgagor will promptly provide Lender with copies ofI the Leases and will certify these Leases are true and correct copies. The existing Leases will be provided Ion execution of the Assignment, and all future Leases and any other information with respect to these Leases will be provided immediatelY after they are executed. Mortgagor may collect, receive, enjoy and use the Rents so long as Mortgagor is not in default. Mortgagor will not collect in advance any Rents due in future~ease periods, unless / Wyoming Mortgage WY/4brandiemOO6239OOOO387201205OSO3Y ©1996 Bankers Systems, Inc., St. Cloud, MN Initials Page 2 Mortgagor first obtains Lender's written consent. Upon default, Mortgagor will receive Lender and Mortgagor will not commingle the Rents with any other funds. When Lender so endorse and deliver any payments of Rents from the Property to Lender. Amounts colle Lender's discretion to the Secured Debts, the costs of managing, protecting and preserving any Rents in trust for directs, Mortgagor will cted will be applied at the Property, and other necessary expenses. Mortgagor agrees that this Security Instrument is immediately effective between Mortgagor and Lender. This Security Instrument will remain effective during any statutory redeI tion eriod until the r~p p Secured Debts are satisfied. Unless otherwise prohibited or prescribed by state law, Mortgagor agrees that Lender may take actual possession of the Property without the necessity of commencing any leg'~l action or proceeding. Mortgagor agrees that actual possession of the Property is deemed to occur when Lende~ notifies Mortgagor of Mortgagor's default and demands that Mortgagor and Mortgagor's tenants pay all Rents due or to become due directly to Lender. Immediately after Lender gives Mortgagor the notice of default, Mortg~g°r agrees that either Lender or Mortgagor may immediately notify the tenants and demand that all future Rents be paid directly to Lender. As long as this Assignment is in effect, Mortgagor warrants and represents that no default exists under the Leases, and the parties subject to the Leases have not violated any applicable taw on leases, licenses and landlords and tenants. Mortgagor, at its sole cost and expense, will keep, observe and perform, and require all other parties to the Leases to comply with the Leases and any applicable law. If Mortga~,lor or any party to the Lease defaults or fails to observe any applicable law, Mortgagor will promptly notify Lender. If Mortgagor neglects or refuses to enforce compliance with the terms of the Leases, then Lender may, at Lender's option, enforce compliance. Mortgagor will not sublet, modify, extend, cancel, or otherwise alter the Leases, or accept the surrender of the Property covered by the Leases (unless the Leases so required) with~)ut Lender's consent. Mortgagor will not assign, compromise, subordinate or encumber the Leases and Rents without Lender's prior written consent. Lender does not assume or become liable for the Property's maintenance depreciation, or other losses or damages when Lender acts to manage, protect or preserve the Property, except for losses and damages due to Lender's gross negligence or intentional torts. Otherwise, Mortgagor will indemnify Lender and hold Lender harmless for all liability, loss or damage that Lender may incur when Lender opts to exercise any of its remedies against any party obligated under the Leases. 12. DEFAULT. Mortgagor will be in default if any of the following occur: A. Payments. Mortgagor fails or Guarantor fails to make a payment in full when due. B. Insolvency. Mortgagor makes an assignment for the benefit of creditors or bec)roes insolvent, either because Mortgagor's liabilities exceed Mortgagor's assets or Mortgagor is unable to pat Mortgagor's debts as they become due. C. Death or Incompetency. Mortgagor dies or is declared legally incompetent. D. Failure to Perform, Mortgagor fails to perform any condition or to keep any promi;e or covenant of this Security Instrument. E. Other Documents. A default occurs under the terms of any other transaction documert. F. Other Agreements. Mortgagor is in default on any other debt or agreement Mortgagor qaswith Lender. G. Misrepresentation. Mortgagor makes any verbal or written statement or provides ary financial information that is untrue, inaccurate, or conceals a material fact at the time it is made or provided. H. Judgment. Mortgagor fails to satisfy or appeal any judgment against Mortgagor. I. Forfeiture. The Property is used ina manner or for a purpose that threatensconfiscatio byalegal authority. J. Name Change. Mortgagor changes Mortgagor's name or assumes an additional name without notifying Lender before making such a change. K. Property Transfer. Mortgagor transfers all or a substantial part of Mortgagor's money or property. This condition of default, as it relates to the transfer of the Property, is subject to the restrictions contained in the DUE ON SALE section. L. Property Value. The value of the Property declines or is impaired. M. Insecurity. Lender reasonably believes that Lender is insecure. 13. REMEDIES. Lender may use any and all remedies Lender has under state or federal la or in any instrument evidencing or pertaining to the Secured Debts, including, without limitation, the power to ~ell the Property. Any amounts advanced on Mortgagor's behalf will be immediately due and may be added to thee balance owing under the Secured Debts. Lender may make a claim for any and all insurance benefits or refunds~that may be available on Mortgagor's default. Subject to any right to cure, required time schedules or any other notice rights Mortgagor lay have under federal and state law, Lender may make all or any part of the amount owing by the terms )f the Secured Debts immediately due and foreclose this Security Instrument in a manner provided by law up. the occurrence of a default or anytime thereafter. Upon any sale of the Property, Lender will make and deliver a special or limited warranty eed that conveys the property sold to the purchaser or purchasers. Under this special or limited warranty deed Lender will covenant that Lender has not caused or allowed a lien or an encumbrance to burden the Property and that Lender will specially warrant and defend the Property's title of the purchaser or purchasers at the sale algainst all lawful claims and demand of all persons claiming by, through or under Lender. The recitals in any deedlof conveyance will be prima facie evidence of the facts set forth therein. eA~luri~, ewd~eStl~reer do~Stnlon~t~xCpUremsU~jlsVeetafnodrt~.°t ~eCl~SclcV;ptaanndceth~yL~ennd;errlSo~natl~t~esdu~ ~ rp~r~n-edeine~ oP~°pV~adl ~talyamWe~~ on the Secured Debts after the balance is due or is accelerated or after foreclosure proceedings are filed will not constitute a waiver of Lender's right to require full and complete cure of any existing default. By not exercising any remedy, Lender does not waive Lender's right to later consider the event a default if continues or happens again. I 14. COLLECTION EXPENSES AND ATTORNEYS' FEES. On or after Default, to the ext~nt permitted by law, Mortgagor agrees to pay all expenses of collection, enforcement or protection of Lender's rights and remedies Wyoming Mortgage Initials WY/4brandiemOO62390OO03872012050803Y ©1996 Bankers Systems, Inc., St, Cloud, MN ~" Page 3 under this Security Instrument. Mortgagor agrees to pay expenses for kender to inspect and and for any recor, clation costs of releasing the Property from this Security InstrUment. Exp¢ not limited to, attorneys' fees, court costs and other legal expenses. These expenses immediately. If not paid immediately, these expenses Will Bear interest from the date of pay at the highest interest rate in effect as provided for in the terms of the Secured Debts. To th the United States Bankruptcy Code, Mortgagor agrees to pay the reasonable attorneys' ! collect the Secured Debts as awarded by any court exercising jurisdiction under the Bankruptc G40 ~reserve the Property nses include, but are are due and payable ment until paid in full extent permitted by ees Lender incurs to Code. 15. ENVIRONMENTAL LAWS AND HAZARDOUS SUBSTANCES. As uSed in .this section, (] Environmental Law means, without limitation, the Comprehensive Environmental Response, ComPensation and Liability~ Act (CERCLA), all other federal, state and local laws, regulations, ordinances, court orders, attorneyI 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 dr contaminant which has characteristics Which render the substance dangerous or potentially dangerous to the Ipublic health, safety, welfare or environment. The term includes, without limitation, any substances defined as T'hazardous' material," "toxic substance," "hazardous waste," "hazardous substance," or "regulated substance" under any Environmental Law. Mortgagor represents, warrants and agrees that: A. Except as previously disclosed and acknowledged in writing to Lender, no Hazardous St bstance has been, is, or will be located, transported, manufactured, treated, refined, or handled by any person cn, under or about the Property, except in the ordinary course of business and in strict compliance with all apFlicable Environmental Law. B. Except as previously disclosed and acknowledged in writing to Lender, Mortgagor has n~t and will not cause, contribute to, or permit the release of any Hazardous Substance on the Property. / C. Mortgagor will immediately notify Lender if (1) a.release or threatened release of Hazardous Substance occurs on, under or about the Property or migrates or threatens to migrate from nearby property; or (2) there is a violation of any Environmental Law concerning the Property. In such an event, Mertgagor will take all necessary remedial action in accordance with Environmental Law. D. Except as previously disclosed and acknowledged in writing to Lender, Mortgagor has no knowledge of or reason to believe there is any pending or threatened investigation, claim, or proceeding of any kind relating to (1) any Hazardous Substance located on, under or about the ProPerty; or (2) any violation by Mortgagor or any tenant of any Environmental Law. Mortgagor will immediately notify Lender in writing s soon as Mortgagor has reason to believe there is any such pending or threatened investigation, claim, or pr~ceeding. In such an event, Lender has the right, but not the obligation, to participate in any such proceeding including the right to receive copies of any documents relating to such proceedings. E. Except as previously disclosed and acknowledged in writing to Lender, Mortgagor arid every tenant have been, are and will remain in full compliance with any applicable Environmental Law. F. Except as previously disclosed and acknoWledged in writing to Lender, there are no underground storage tanks, private dumps or open wells located on or under the Property and no such tank, dump or well will be added unless Lender first consents in writing. G. Mortgagor will regularly inspect the Property, monitor the activities and operations ~n the Property, and confirm that all permits, licenses o.r approvals required by any applicable Environmental .aw are obtained and complied with. H. Mortgagor will permit, or cause any tenant to permit, Lender or Lender's agent to ,nter and inspect the Property and review all records at any reasonable time to determine (1) the existence, ~cation and nature of any Hazardous Substance on, under or about the Property; (2) the existence, location, nal Ire, and magnitude of any Hazardous Substance that has been released on, under or about the Property; o~ (3) whether or not Mortgagor and any tenant are in compliance with applicable Environmental Law. I. Upon Lender's request and at any time, Mortgagor agrees, at Mortgagor's expense, to engage a qualified environmental engineer to prepare an environmental audit of the Property and to submit th~ results of such audit to Lender. The choice of the environmental engineer who will perform such audit is subject to Lender's approval. J. Lender has the right, but not the obligation, to perform any of Mortgagor's obligations under this section at Mortgagor's expense. }(: As a consequence of any breach of any representation, warranty or promise mad~ in this section, (1) Mortgagor will indemnify and hold Lender and Lender's successors or assigns harmless from and against all losses, claims, demands, liabilities, damages, cleanup, response and remediation costs, pe lalties and expenses, including without limitation all costs of litigation and attorneys' fees, which Lender and Lender's successors or assigns may sustain; and (2) at Lender's discretion, Lender may release this Security Ins':rument and in return Mortgagor will provide Lender with collateral of at least equal value to the Property sec Jred by this Security. Instrument without prejudice to any of Lender's rights under this Security Instrument. L. Notwithstanding any of the language contained in this Security Instrument to the contrary, the terms of this section will survive any foreclosure or satisfaction of this Security Instrument regardless o[ any passage of title to Lender or any disposition by Lender of any or all of the Property. Any claims and del, roses to the contrary are hereby waived. 16. CONDEMNATION. Mortgagor will give Lender prompt notice of any pending or threateneld 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:abovei described actions or claims. Mortgagor assigns to Lender the proceeds of any award or claim for damages connected with a I. condemnation or other taking of all or any part of the Property. Such proceeds will be conmdered 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. Wyoming Nlottgafla WY/4brandiemOO62390OO03872012050803Y ©1996 Bankers Systems, Inc., St. Cloud, MN ~" Initials Page 4 o41 17. INSURANCE. Mortgagor agrees to keep the Property insured against the risks reasona ly associated with the Property. Mortgagor will maintain this insurance in the amounts Lender requires. This insurance will last until the Property is released from this Security Instrument. What Lender requires pursuant to the pr,;ceding two sentences can Change during the term of the Secured Debts. Mortgagor may choose the insurance company, subject to Lender's approval, which will not be unreasonably withheld. All insu,rance policies and renewals will include a standard "mortgage clause" and, where ~pplicable, "loss payee clause.' If required by Lender, Mortgagor agrees to maintain comprehensive general liability insurance and rental loss or business interruption insurance in amounts and under policies acceptable to Lendel. The comprehensive general liability insurance must name Lender as an additional insured. The rental loss o~ business interruption insurance must be in an amount equal to at least coverage of one year's debt service, and required escrow account deposits (if agreed to separately in writing.) · Mortgagor will give Lender and the insurance company immediate notice of any loss., All insurance proceeds will be applied to restoration or repair of the Prop,erty or to the Secured Debts, at Lenders option. If Lender acquires the Property in damaged condition, Mortgagor s rights to any insurance policies and proceeds will pass to Lender to the extent of the Secured Debts. Mortgagor will immediately notify Lender of cancellation or termination of insurance. If Mortgagor fails to keep the Property insured Lender may obtain insurance to protect Lender's interest in the Property This insurance may include coverages not originally required of Mortgagor, may be written by a company oth~r than one Mortgagor would choose, and may be written at a higher rate than Mortgagor could obtain if Mortgagor purchased the insurance. 18. ESCROW FOR TAXES AND INSURANCE. As provided in a separate agreement, Mortgagor agrees to pay to Lender funds for taxes and insurance in escrow. / 19. CO-SIGNERS. If Mortgagor signs this Security Instrument but does not sign the Secured Debts, Mortgagor does so only to mortgage Mortgagor's interest in the Property to secure payment of the Secured Debts and Mortgagor does not agree to be personally liable on the Secured Debts. If this Security Instrument secures a guaranty between Lender and Mortgagor, Mortgagor agrees to waive any rights that mat prevent Lender from bringing any action or claim against Mortgagor or any party indebted under the obligaticn. These rights may include, but are not limited to, any anti-deficiency or one-action laws. 20. WAIVERS. Except to the extent prohibited by law, Mortgagor waives all homestead ex;mption rights relating to the Property. 21. APPLICABLE LAW. This Security Instrument is governed by the laws of Wyoming, except to the extent otherwise required by the laws of the jurisdiction where the Property is located, and the Unib~d States of America. obit t' I ..... 22. JOINT AND INDIVIDUAL LIABIEITY AND SUCCESSORS. Each Mortgagor's ga runs unaer thru becunty Instrument are independent of the obligations of any other Mortgagor. Lender may sue each tvlortgagor individually or together with any other Mortgagor. Lender may release any part of the Property and Mortgagor will still be obligated under this Security Instrument for the remaining Property. The' duties and benefits of this Security Instrument will bind and benefit the successors and assigns of Lender and Mortgagor. 23. AMENDMENT, INTEGRATION AND SEVERABILITY. This SecUrity Instrument may not be/amended or modified by oral agreement. No amendment or modification of this Security Instrument is effective unless made in writing and executed by Mortgagor and Lender. This Security Instrument is the complete and final expression of the agreement. If any provision of this Security Instrument is unenforceable, then the unenforceable/ provision will be severed and the remaining provisions will still be enforceable. 24. INTERPRETATION. whenever used, the singular includes the plural and the plural inchJdes the singular. The section headings are for convenience only and are not to be used to interpret or define the terms of this Security Instrument.. 25. NOTICE, FINANCIAL REpoRTS AND ADDITIONAL DOcuMENTS. Unless otherwise, required by law, any notice will be given by delivering it or mailing it by first class mail to the appropriate party !s address listed in the DATE .AND PARTIES section, or to any other address designated in writing. Notice to one p~rty will be deemed to be notice to all parties. Mortgagor will inform Lender in writing" of any change in Mortgagi°r's/ name, address or other application information. Mortgagor will provide Lender any financial statements or information Lender requests. All financial statements and information Mortgagor gives Lender will be correct and complete. Mortgagor agrees to sign, deliver, and file any additional documents or certifications that Lender may consider necessary to perfect, continue, and preserve Mortgagor's obligations under this Security Inst'ument and to confirm Lender's lien status on any Property. Time is of the essence. SIGNATURES. By signing, Mortgagor agrees to the terms and covenants contained in thi,' Security instrument. Mortgagor also acknowledges receipt of a copy of this Security Instrument. MORTGAGOR: Individually ELAINE JENKINS Individually Wyoming [Vlortgege WY/4brandiemO0623900003872012050803Y ©1996 Bankers Systems, Inc., St. Cloud, MN F_,xl~~ Initials Page 5 First National Bank- est ~ Ron Thomas, Afton Branch President ACKNOWLEDGMENT. (Individual) ~7'~7~? OF J¢"-t~'--/~- f/ , c/o~,~-/' OF ~7'~/~" ss. This instrument was ac~nowledCed before me Zhis ¢ ~ day of DEAN JENKINS, Husband and Wife, and ELAINE JENKINS, Husband and Wife. (Lender Acknowledgm&fi ~ oF ~o~~, c~k~ OF ~;'~~-- s~. Z This instrument' was acknowled~ before me t~s ' /~ ~ day of Ron Thomas as Afton Branch President of First National Bank - West. My commission expires: / ~ ¢¢¢ ~ ~~a~ 29, z004 Wyoming Mortgage WY/4brandiemOO6239OOOO3872012050803Y ©1996 Bankers Systems, Inc., St. Cloud, MN ~ -4.2 by by Initials Page 6 dj-~ Lt4 ~ ~ 0 ~ 0'~ O~C~ -~1 0 .-~ ----- D-] 0 0 G43