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HomeMy WebLinkAbout871396RELEASE OF This .Mart SEE ISOl. L .OF MJR gArd )r fop. EL-LEM r )1C /I/ This M c 6 PAI DATE AND PARTIES. addresses are: MORTGAGOR: WAYNE K. HESSON P 0 BOX 888 AFTON, Wyoming 8311 KAREN J. HESSON P 0 BOX 888 AFTON, Wyoming 8 ELEAs 871'9 r Y) t9 1 The date o Is r e S This Line For Recording Data MORTGAGE +�EE O��.)#' j ri PAGE 4 3 4 rument) i LENDER: FIRST NATIONAL BANK W Organized and existing under the laws of the United States of America 314 S Washington PO Box 1620 Afton, Wyoming 83110 83- 0162601 0 1 03014373 P, E iV N COUNTY CLERK 001. Th 0 1. CONVEYANCE. For good and valuable consideration, the receipt and sufficiency of which 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 P 0 BOX 888, AFTON, Wyoming 83110. 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 Instrument at any one time will not exceed $60,324.00. 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 covenants contained in this Security Instrument. 3. SECURED DEBTS. This Security Instrument will secure the following Secured Debts: A. Specific Debts. The following debts and all extensions, renewals, refinancings, modifications and replacements. A promissory note, No. 64002764, dated February 6, 2001, from Mortgagor to Lender, and a loan amount of $60,324.00 with an interest rate of 9.5 percent per year maturing on March 10, 2001. B. Sums Advanced. 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 regafB 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. WAYNE K. HESSON •oming Mortgage C RVER0747000000000000002A0000002BnE 4 '1996 Bankers Systems, Inc., St. Cloud, MN Initials W Page 1 v +1° 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 .preemptidn' of''State due -on -sale laws, as applicable. A �L, t. :fix G8 8. WARRANTIES AND REP'RES'ENTATIONS. Mortgagor has .the *_fight and authoritV.to enter into this Security Instrument. The execution and.•delivery of this Security Instrumeht ot viotlate ty "agreement governing Mortgagor or to which Mortgagor is a party. n 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. 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 personal property at least equal in value to the replaced personal property, free from any title retention device, security agreement or other encumbrance. Such replacement of personal property will be deemed subject to the security interest created by this Security Instrument.` Mortgagor will not partition or subdivide the Property without Lender's prior written consent. t i 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 Aspection. Any inspection of the Property will be entirely for Lender's benefit and Mortgagor will in no wa t.ely on Lender's inspection. 10. AUTHORL X,,TO PERf 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). B. Rents, issues and profits (all referred to as Rents), including but not limited to security deposits, minimum rent, percentage rent, additional rent, common area maintenance charges, parking charges, real estate taxes, other applicable taxes, insurance premium contributions, liquidated damages following default, cancellation premiums, "loss of rents" insurance, guest receipts, revenues, royalties, proceeds, bonuses, accounts, contract rights, general intangibles, and all rights and claims which Mortgagor 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. In the event any item listed as Leases or Rents is determined to be personal property, this Security Instrument will also be regarded as a security agreement. Mortgagor will promptly provide Lender with true and correct copies of all existing and future Leases. Mortgagor may collect, receive, enjoy and use the Rents so long as Mortgagor is not in default. Except for one lease period's rent, Mortgagor will not collect in advance any future Rents without Lender's prior written consent. Upon default, Mortgagor will receive Rents in trust for Lender and Mortgagor will not commingle the Rents with any other funds. Amounts collected will be applied at Lender's discretion to payments on the Secured Debts as therein provided, to costs of managing, protecting and preserving the Property and to any other necessary related expenses including Lender's attorneys' fees and court costs. Mortgagor agrees that this assignment is immediately effective between the parties to this Security Instrument and effective as to third parties on Mortgagor's default when Lender takes an affirmative action as prescribed by the law of the state where the Property is located. This assignment will remain effective during any period of redemption until the Secured Debts are satisfied. Unless otherwise provided by state law, Mortgagor agrees that Lender may take actual possession of the Property without commencing any legal action or proceeding. Actual possession of the Property is deemed to occur when Lender 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. On receiving the notice of default, Mortgagor will endorse and deliver to Lender any payments of Rents. Mortgagor warrants that no default exists under the Leases or any applicable landlord law. Mortgagor also agrees to maintain, and to require the tenants to comply with, the Leases and any applicable law. Mortgagor will WAYNE K. 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JO aoua6!l6au ssOJ6 s,aapua1 01 anp aso41 ldaoxa 'sa6ewep ao sassol 19y10 JO 'uo!1e!oaadap 'eoueualu!ew 91! 10; alge!l awooaq JO awnsse lou saop aapua1 'Alaadoad 9y1 anaasaad pue loaload '96euew 01 sloe aapua1 ;I •sluaa aanln; Aue JO saseal ay1 aagwnoue JO as!woadwoo 'u6!sse 01 JO '(aa!nbaa os saseal ayl sselun) saseal Lions Aq paaanoo AlaadoJd ail ;0 aapuaaans 9y1 ldaooe 01 'saseal 991 1911e as!Maa110 a0 'laoueo 'A ;!pow 'laigns 01 sluasuoo ao6e61ao1N aao;aq uo!lezuoglne ua11!M s,aapual u!elgo li!M ao6e61aoLN •aoue!Idwoo ao1O;Ua o1 ldo Aew aapUal uayl 'saseal ay1 ;0 swaal 9y1 y1!M aoue!Idwoo aoao;ua o1 sasn;aa .10 sloal6au ao6e61aoLN ;1 •eoue!idwoouou Aue 1.0 aapua1 A;t1ou Aildwoad rid r•_r�1 `a Ut.Li Aft- "1 Property, except in the ordinary course of business and in strict compliance with all applicable Environmental Law. B. Except as previously disclosed and acknowledged in writing to Lender, Mortgagor has not 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, Mortgagor 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 as soon as Mortgagor has reason to believe there is any such pending or threatened investigation, claim, or proceeding. 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 and 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 on the Property, and confirm that all permits, licenses or approvals required by any applicable Environmental Law are obtained and complied with. H. Mortgagor will permit, or cause any tenant to permit, Lender or Lender's agent to enter and inspect the Property and review all records at any reasonable time to determine (1) the existence, location and nature of any Hazardous Substance on, under or about the Property; (2) the existence, location, nature, and magnitude of any Hazardous Substance that has been released on, under or about the Property; or (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 the 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. K. As a consequence of any breach of any representation, warranty or promise made 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, penalties 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 Instrument and in return Mortgagor will provide Lender with collateral of at least equal value to the Property secured 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 of any passage of title to Lender or any disposition by Lender of any or all of the Property. Any claims and defenses to the contrary are hereby waived. 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." 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 Lender. The comprehensive general liability insurance must name Lender as an additional insured. The rental loss or 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 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. 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 other than one Mortgagor would choose, and may be written at a higher rate than Mortgagor could obtain if Mortgagor purchased the insurance. WAYNE K. 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Apo os saop Jo6e611oIN 'slgaa paan0as 941. u6!s lou saop ing luawnllsul Alun0aS s!y. su6is 1o6e6laolN }1 "SH3NDIS '6 L •M01093 U! a0ueansu! pue saxel 10} spun} lapua1 of Aed 01. 999169 1o6e6li0(J 'luawaaa6e 91.912das a u! pap!Awd s V '3ONVliflSNI ONV S3Xv1 HOd MOHOS3 '8L LENDER: First National Bank West Ron Thomas, Afton Branch President ACKNOWLEDGMENT. (Individual) OF RONTHOMAS NOTARY p Count' of t State of Lincoln Wyoming My Commission Expires June 6 2002 439 SIGNATUR 66 By signi g Mortgagor agrees to the terms and covenants contained in this Security Instrument. Mortgagor also acknowledges receipt of a copy of this Security Instrument. OF ss. This instrument was acknowledged before me this 8" day of 4,e-6 ©0 by WAYNE K. HESSON, and KAREN J. HESSON. My commission expires:., 4,A. o L (Lender Acknowledgment) OF (Notary Piblic) OF ss. This instrument was acknowledged before me this 8/ *k- day of joGut by Ron Thomas as Afton Branch President of First National Bank West. My commission expires: PENNY JONES NOTARY PUBLIC County of Lincoln State Wyoming MY My Comrnissie p 4.�temaer i8, 20C: WAYNE K. HESSON Wyoming Mortgage WY/ 3ERVER0747000000000000002A0000002BnE (Notary ®1996 Bankers Systems, Inc., St. Cloud, MN n J Initials Page 6 'bupuuT5ag go 4ttod aq4 o4 o auT M u� buo a 4aag t'E '81 uoTloas pits T lsa a T 'SHL0,8Zo0N aouagl n5 (8tS ETS 9I/TN) 'T 4ou pies go aauaoo 4sa S'Id Taq.zat�os V atnot r w att 5uT ivati� =off uopSaooT 0661 89E5 ZO 059 'au!' p�O3 axTds paoua.zaga.z auk o4 ;aa t Tpnos pits buo a -r S u� uT T MuZE,9So68S aouat�; 't ;o'I pTES ;o au TT glno a 4urod a o4 gaa aouaup r gaag se- ZS9 `81 uoT ;aas iesfi�� ZZEZ M paoN o 0S ora '2II80,9S068N aouag4 f(81$ ETS LS autT uzoN at��, Su go aausoo 4saM ZTS 8T uozaaaS pTas Z zagt� au� 5tz xzatu ptmo o a T;aaoT ZL61 8LS STI /ad uosTaN 3 4. 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