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HomeMy WebLinkAbout87276506 •MuawnJMsul AM!moes s!q1 u! pau!eMuoo sMueuenoo ayM to Aue wrolrad oM pue AM!moas s,repual paMord oM MuawnrMsul AM!mpas s!qM to swraM gig Japun spew seouenpe o; Aldde Mou saop uop.eM!w!l s!yM 'osly 'MuawnJMsul AM!Jnoes s!41. o; Muensrnd spew Aip!len sa6aeyo pue seal Ja(Mo pue MseraMu! apnlou! Mou soap Munowe ;o uo! ;e ;!w!l s!yl '00'000'6Z$ paaoxa 1.0U II!M aW!M auo Aue Me MuawnrMsul AMlJnoas s!ya. Aq peinoas Munowe led!ouud !elm. ayl 'lllN11 NOI1V9I180 INl1NIXVIN 'Z •Japual Aq 6u!M!JM u! paMeu!wraM ueaq am! sMuaweeJ6e 6u!AIJepun He pue sMge pampas ay; pun Moalla u! ulewaJ II!M Muawnrisul AM!Jnoas s!yl •(AMJadoJd se oM panJa ;a. 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All sums advanced and expenses incurred by Lender under the terms of this Security Instrument. 4. PAYMENTS. Mortgagor agrees that all payments under the Secured Debts will be paid 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, security agreement or other lien document that created a prior security interest or encumbrance on the Property, Mortgagor 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 require 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 the 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 the Property. This right is subject to the restrictions imposed by federal law governing the preemption of state due -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 agreement governing Mortgagor or to which Mortgagor is a party. 9. PROPERTY CONDITION, ALTERATIONS AND INSPECTION. Mortgagor will keep the Property 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 and grasses. 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 easement 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. 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 performance. Lender's right to perform for Mortgagor will not create an obligation to perform, and Lender's failure to perform 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 all steps necessary to protect Lender's security interest in the Property, including completion of the construction. 11. ASSIGNMENT OF LEASES AND RENTS. Mortgagor grants, bargains, conveys, mortgages and warrants to Lender as additional security all the right, title and interest in and to any and all: A. Existing or future leases, subleases, licenses, guaranties and any other written or verbal agreements for the use and occupancy of any portion of the Property, including any extensions, renewals, modifications or substitutions of such agreements (all referred to as Leases). 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'sOxe1 algeo!ldde 19410 'saxep 912159 1901 'sa61ey° 6u!)11ed '9061ey3 aOueualu!ew ease uowwoo '1ua1 leuol1!ppe '1u01 a6elua319d 'puma wnw!u!w 'sllsodap A1!moas op pap!w!1 1ou lnq 6u!pnlou! '(sluau se 01. p9110 401 He) s1!}o1d pue senss! 'sluaa •8 uttor 7r; 771 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 complete cure of any existing default. By choosing any one or more of these remedies Lender does not give up Lender's right to use any other remedy. Lender does not waive a default if Lender chooses not to use a remedy. By electing not to use any remedy, Lender does not waive Lender's right to later consider the event a default and to use any remedies if the default continues or happens again. 14. COLLECTION EXPENSES AND ATTORNEYS' FEES. On or after Default, to the extent permitted by law, Mortgagor agrees to pay all expenses of collection, enforcement or protection of Lender's rights and remedies under this Security Instrument. Mortgagor agrees to pay expenses for Lender to inspect and preserve the Property and for any recordation costs of releasing the Property from this Security Instrument. Expenses include, but are not limited to, reasonable attorneys' fees after default and referral to an attorney not a salaried employee of the Lender. These expenses are due and payable immediately. If not paid immediately, these expenses will bear interest from the date of payment until paid in full at the highest interest rate in effect as provided for in the terms of the Secured Debts. To the extent permitted by the United States Bankruptcy Code, Mortgagor agrees to pay the reasonable attorneys' fees Lender incurs to collect the Secured Debts as awarded by any court exercising jurisdiction under the Bankruptcy Code. 15. ENVIRONMENTAL LAWS AND HAZARDOUS SUBSTANCES. As used in this section, (1) 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, attorney 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 or contaminant which has characteristics which render the substance dangerous or potentially dangerous to the public health, safety, welfare or environment. The term includes, without limitation, any substances defined as "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 Substance is or will be located, stored or released on or in the Property. This restriction does not apply to small quantities of Hazardous Substances that are generally recognized to be appropriate for the normal use and maintenance of the Property. B. Except as previously disclosed and acknowledged in writing to Lender, Mortgagor and every tenant have been, are, and will remain in full compliance with any applicable Environmental Law. C. Mortgagor will immediately notify Lender if a release or threatened release of a Hazardous Substance occurs on, under or about the Property or there is a violation of any Environmental Law concerning the Property. In such an event, Mortgagor will take all necessary remedial action in accordance with any Environmental Law. D. Mortgagor will immediately notify Lender in writing as soon as Mortgagor has reason to believe there is any pending or threatened investigation, claim, or proceeding relating to the release or threatened release of any Hazardous Substance or the violation of any Environmental Law. 16. CONDEMNATION. Mortgagor will give Lender prompt notice of any pending or threatened 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 above described actions or claims. Mortgagor assigns to Lender the proceeds of any award or claim for damages connected with a condemnation or other taking of all or any part of the Property. Such proceeds will be considered 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. 17. INSURANCE. Mortgagor agrees to keep the Property insured against the risks reasonably 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. Mortgagor may choose the insurance company, subject to Lender's approval, which will not be unreasonably withheld. All insurance policies and renewals will include a standard "mortgage clause" and, where applicable, "loss payee clause." 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 Property or to the Secured Debts, at Lender's 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. JAMES F KULINSKY Wyoming Mortgage WY/ 3VER20078F000000000000007400000075n9 1996 Bankers Systems, Inc., St. Cloud, MN 9 9 NV 'Pno10 7S "uui 'swalsAS smue8 966 6u9L00000017L00000000000000J8L00ZH3AE /AM e6e6po j 6uiwoAM ANSNnnN d s3vuvr luawnalsui Al!Jnoas s!y1 ;o Adoo e ;o ld!ao9J sa6paiMOU )Joe psis Jo6e61Jo'N luawnJlsu! Jll!anoas s!yl u! pau!eluoo slueuanoo pue swaal ail o; saaa6e Jo6e61Jo'N '6u!u6!s A8 •S3HfllVNJIS •aouassa ay1 ;o s! aw!1 •MJadold Aue uo snlels ual's,Japual WJ!;uoO of pue luawnalsui Awnoas s!yl Japun suo!le6!Igo s,JO6e61i0 j anJasaJd pue 'anulluoO 'lpa ;aad of Messaoau aap!suoo Aew Japual ley' suollep!;!1Jao Jo sluawnOop leuo!1!ppe Aue al!; pue 'Jan!lap 'u6!s of saaJ6e ao6e6laoj 'alaldwoo pue loaaaoo aq 'um Japual sanl6 Jo6e6TJoW uo!lewao ;u! pue sluawalels le!oueu!; IIb' •slsanbal Japua1 uo!lewao ;u! 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This instrument was acknowledged before me this j day of keel JAMES F KULINSKY, A SINGLE PERSON. My commission expires: -16- STACY A. WERNER Notary Public State of Wyoming County of Lincoln My Commission E:rtairl 11 /1$,r2OO 4 JAMES F KULINSKY Wyoming Mortgage WY/ 3VER20078F000000000000007400000075n9 a. (Notar 'Jublic) ©1996 Bankers Systems, Inc., St. Cloud, MN 3vo 1 by ALTA COMMITMENT 1982 WY 11/91 SCHEDULE C 774 Commitment No.: FA 7609 OM The land referred to in this commitment is situated in the State of Wyoming, County of Lincoln, and is described as follows: Parcel A A Portion of Lot 10 of Block 1 of Hillcrest East Subdivision of the Town of Diamondville, Lincoln County, Wyoming, more particularly described as follows: Commencing at the northwest corner of said Lot 10 and running thence S 46 °36'27" E along the westerly boundary of said Lot 10, Block 1 a distance of 3.00 feet to the point of beginning of this description, said point also being a point on the easterly boundary of Hillcrest Drive; thence N 43°23'33" E, perpendicular to Hillcrest Drive for a distance of 60.00 feet to the easterly boundary of said Lot 10; thence S 46 °36'27" E, along said easterly boundary line a distance of 89.43 feet to the southeast corner of said Lot 10; thence S 18 °43' W, along the southerly boundary of said Lot 10 a distance of 49.26 feet; thence S 43 °23'33" W, a distance of 15.24 feet to the westerly boundary of said Lot 10; thence N 46 °36'27" W, along the westerly boundary of said Lot 10 a distance of 110.00 feet to the point of beginning. Parcel B A portion of Lot 9 of Block 1 of the Hillcrest East Subdivision to the Town of Diamondville, Lincoln County, Wyoming more particularly described as follows: Beginning at the northeast corner of said Lot 9; thence S 46 °36'27" E, along the easterly boundary of said Lot 9 a distance of 20.57 feet; thence S 43 °23'33" W, a distance of 44.76 feet more or less to the northerly boundary of said Lot 9; thence N 18 °43' E, along said northerly boundary line a distance of 49.26 feet to the point of beginning.