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HomeMy WebLinkAbout870389BOOK 4 870389 parties, their addresses and tax identification numbers, if required, are as follows: MORTGAGOR: DEO2 R. GAMIER ADD EEE ARV C IRTNER, TRU3 EES tNIR THE DEXTER R. ADD IEE PM GAMER TRIM D ELED LINE 5, 1996 44 HAPPY VALLEY LANE AFICN, WY 83110 LENDER: THE BANK OF STAR VALLEY 384 WASHINGTON STREET PO BOX 8007 AFTON, WY 83110 83-0315143 The property is located in (Address) A PR PAGE 3 3 U LINCOLN (County) WYOMING MORTGAGE (NOT FOR FNMA, FHLMC, FHA OR VA USE) ©1994 Bankers Systems, Inc., St. Cloud, MN 11- 800.397 -2341) Form RE- MTG -WY 11/18/94 F €:Cf iVE f) LINCOL\ CC(►_li!ITY CLERK aU DEC 2 I 1 l 3 3 JEANNE WAGNER KEMMERER, WYOMING State of Wyoming Space Above This Line For Recording Data MORTGAGE (With Future Advance Clause) 1. DATE AND PARTIES. The date of this Mortgage (Security Instrument) is 12.11.2000 at LOT 7 BEN NIELD ADDITION AFTON Wyoming 83110 (City) (ZIP Code) and the If checked, refer to the attached Addendum incorporated herein, for additional Mortgagors, their signatures and acknowledgments. 2. CONVEYANCE. For good and valuable consideration, the receipt and sufficiency of which is acknowledged, and to secure the Secured Debt (defined below) and Mortgagor's performance under this Security Instrument, Mortgagor grants, bargains, conveys, mortgages and warrants to Lender, with power of sale, the following described property: LOT 7 OF THE BEN NIELD ADDITION TO THE TOWN OF AFTON, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF. Together with all rights, easements, appurtenances, royalties, mineral rights, oil and gas rights, all water and riparian rights, ditches, and water stock 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 above (all referred to as "Property 3. MAXIMUM OBLIGATION LIMIT. The total principal amount secured by this Security Instrument at any one time shall not exceed 80,000.00 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. 4. SECURED DEBT AND FUTURE ADVANCES. The term "Secured Debt" is defined as follows: A. Debt incurred under the terms of all promissory note(s), contract(s), guaranty(s) or other evidence of debt described below and all their extensions, renewals, modifications or substitutions. (When referencing the debts below it is suggested that you include items such as borrowers' names, note amounts, interest rates, maturity dates, etc.) PROMISSORY NOTE DATED 1211112000 (page 1 of 4) (b Jo z abed) 46/81/L i AM-011N wAOA (LtEZ- L6E 1) NW'PnOIO'1S "Oul'swaleASsia,uss 4661© •m131 ajquojjddE pug saspai ammo smaaj atjl 131IM /ildtuoo o3 mull Attu aunbal puu uteluigtu o1 saaAr osir 1o2r2noj mu! 1uEualiplojpuuj ajgEatjddu AIM 10 sasra7 am lapun slstxa 1jn133ap ou lntjl s1u1311EM 102E2110W luatunl3sul ii1i.mOas su ut papi■old sr paijddt aq !pm papalioo slunomu Cud •spunj 1a1410 Aug tpiM swag am aI unuuzoo lou 'pm pre lapuai .to3 lsnzl Ut s1U0g AUE 0n10001 !pm puu uojssassod s 1o$e$11oyQ ui small jo luam,ird /CUE .tapua-j o1 lantjap pug aslopua !pm i0 B 1.IOJA `1jnrjap 3o aojlou 2ujnjaoaa 110 lapU o1 /(poa11p s1ua21 alnln3 jje /Cud mum AUE Imp spuEmap pug 1jn133ap 3o 1aeff11ow sappou `111a5r s1i 10 `1apua7 uat4M m000 01 patuaap si uojssassod Tumor imp put uojlog 1O$01 2uiouatutuoo jo /iussaaau 0141 inoquM ,illadold a141jo uojssassod jenlog a4e1 Arm lapua-j lute mite 1o2r2noj •patdspes st 1gaj pamoas a141 !pun pouad uouduapal Atm 2upnp 1oa33a ui uiemal jjtM luautuaisse sup imp put `mgt /iq paquosa.td uojlog anpetun33E swim lapua'l uagm salurd amp 01 su anuoa33a si luauru2Issr spp 111131 saaB13 1oae$1J0IA •luatmuisuj Animas sup 01 sound 0143 uaamlaq anj1oa33a ,ijalutpatutut si luamuatsse sigi 1tg1 saaau 1o2e21aoY11 luamnalsul AjpnaaS sjgl 3o swim am aapun 1jn133ap Ui lou si 10213$j10 SE 5uoj os small am asn pu13 iiofua `aniaOaa `1003300 Arm i0 111oyl •sasua -I a1n1n3 puE $uilsixa jjr jo satdo0 1000000 puE an11 1p!M lapua-j apinoad Sipdtuold jjjM .10203101 „sluau„ sr 01 pa11aja1 jjE) slgoid puE sansst `slum puE „sasea7„ sr 01 p0110J01 1TE) s3Uamaal2E lions 3o suoilnlpsgns 10 suoprogjpom `slemaual `suoisualxa &gpnpul `/illadoad 0141 jo uoplod Sur jo Aouedn000 puE asn 0141 103 s3UaUaaa2e j13glan 10 ua11!M 101410 Aim puE `sas13ajgns `sasEaj amlttj 10 2utlstxa jjE pu13 Slur 01 pm ut imam! pUE 0631 `3g2!1 a131 IIe'1un0as Ieuopipp13 SE lapua7 01 S3Ut11EM puE sa213211otu `S,Canuoo 'suie2113q `sluta2 /ilgeoo/kala1 102011ow S.LNa?I QINIV saSdd'I 30 ,LNaI\II\IOISSV '11 •uot3Ontlsuo0 014130 uopajdUo0 2uipnlout `/i31ado1d 0141 ut lsaaaluj Animas s,lapua7 rapid 01 /ia13SS000U sdals jjE ale3 /CEm lapua'I `1auu13tu ajgiuostaa 13 ut 110 pau1130 1011 JO panupuoOSip st iil1adold a141 110 uoIIOnalsuoO Aug 3I •luamnalsul /i1un0as sup 10 M13! 0141 aapun s3132t1 101410 5,aapua7 30 Sur 2ujs!Dlaxa wog 106U0-1 apnloald 3011 ipm maojlad o1 alum s,aapua7 puE `m1o31ad o1 u0il132tjg0 UP al13aaa lou lugs 1081303101AI Jo3 maojaad o1 114211 s,lapuaj •aOu1maojaad 103 (I13SSaoau lunom13 AUE /Ced 10 01111311 S,102132310J Op o1 10133 ui Sammie sr lapual siujoddu 10213211ojAi •pamio31ad aq of magi asn1O 10 mio31ad `aojlou 1no143tM 'Amu lapua'I `luamnalsul Alunoas sup ui 601111311100 slutuano0 am 3o Sur 10 Alnp AIM uuojlad o1 sue! 1o8e2310jA 11 'inm ,1HIId O L AZI?IOH LI1V •0I •uopOadsui s 10pua7 uo Alai Arm ou ui !pm 1o213231oJA pUE 1tJauaq s,aapua•j .o3 Sialpua aq pegs ,Clladold alp jo uop0adsuj /(uy •uoijoadsui 0131 103 asodlnd algeu051301 g 2utX3toads uonoadsut 1113 aaojaq 10 jo amp aq1 113 aojlou 1o2e211o1/q ani2 i1e'l aapua-1 •4ladoad all 2utloadsui jo asodlnd a131 103 amp ajg13uos13al Aug 1r 11ladoad am aa3ua 'uoild° s,1apua-I 113 'Arm s3ua213 s,lapua'I 10 106110-1 •(laadoad a133 03 a8ttuep 10 SSOJ 1(1113 30 puE '1080110N 3st1!13813 Su013013 puE S1ui13p `s8ujpaaooad `spu1map i1t JO lapuai ,(3pou !pm ao2132310 AJ 'luasu00 ua111M loud s,lapual 1no1431M luatuas130 10 11113110A00 0nj10111s01 4 05110314 /CUE III amp /fur 11m1ad lou Ilim 10801.10w •3uasuo0 ua131aM loud s,aapua-I 3n01331M 021113140 /(j113j1u133sgns lou !pm asn puE 1ou13dn000 0143 3o arum a131 113141 saaa213 1o213231ow •sassga2 puE spaaM snoixou 3o am 1ilaa 0141 dam! 1I1M ao2u231oN •Slladold 0143 3o uop1loila3ap 10 `3U0W1i13dtui 'mum /(1113 mo11g so 31tutuo0 lou Huns 10213231ow •1C113ssa0au ,(jgeuos13aa 01E 113143 sligdal 1113 031E111 pug uopipuo0 po08 u1 1laadold 0141 dam! !pm 102132110JA 'AIOIIDadSMI (IMV SMOIIVIla 'IV `MOI.LIQAIOD A1MIdd02Id '6 •paseala1 st luamnalsul /(lunoas sup pU13 jjn3 uj pi13d 5! 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LEASEHOLDS; CONDOMINIUMS; PLANNED UNIT DEVELOPMENTS. Mortgagor agrees to comply with the provisions of any lease if this Security Instrument is on a leasehold. If the Property includes a unit in a condominium or a planned unit development, Mortgagor will perform all of Mortgagor's duties under the covenants, by -laws, or regulations of the condominium or planned unit development. 13. DEFAULT. Mortgagor will be in default if any party obligated on the Secured Debt fails to make payment when due. Mortgagor will be in default if a breach occurs under the terms of this Security Instrument or any other document executed for the purpose of creating, securing or guarantying the Secured Debt. A good faith belief by Lender that Lender at any time is insecure with respect to any person or entity obligated on the Secured Debt or that the prospect of any payment or the value of the Property is impaired shall also constitute an event of default. 14. REMEDIES ON DEFAULT. In some instances, federal and state law will require Lender to provide Mortgagor with notice of the right to cure or other notices and may establish time schedules for foreclosure actions. Subject to these limitations, if any, Lender may accelerate the Secured Debt and foreclose this Security Instrument in a manner provided by law if Mortgagor is in default. At the option of Lender, all or any part of the agreed fees and charges, accrued interest and principal shall become immediately due and payable, after giving notice if required by law, upon the occurrence of a default or anytime thereafter. In addition, Lender shall be entitled to all the remedies provided by law, the terms of the Secured Debt, this Security Instrument and any related documents including, without limitation, the power to sell the Property. All remedies are distinct, cumulative and not exclusive, and the Lender is entitled to all remedies provided at law or equity, whether or not expressly set forth. The acceptance by Lender of any sum in payment or partial payment on the Secured Debt after the balance is due or is accelerated or after foreclosure proceedings are filed shall riot constitute a waiver of Lender's right to require complete cure of any existing default. By not exercising any remedy on Mortgagor's default, Lender does not waive Lender's right to later consider the event a default if it continues or happens again. 15. EXPENSES; ADVANCES ON COVENANTS; ATTORNEYS' FEES; COLLECTION COSTS. Except when prohibited by law, Mortgagor agrees to pay all of Lender's expenses if Mortgagor breaches any covenant in this Security Instrument. Mortgagor will also pay on demand any amount incurred by Lender for insuring, inspecting, preserving or otherwise protecting the Property and Lender's security interest. These expenses will bear interest from the date of the payment until paid in full at the highest interest rate in effect as provided in the terms of the Secured Debt. Mortgagor agrees to pay all costs and expenses incurred by Lender in collecting, enforcing or protecting Lender's rights and remedies under this Security Instrument. This amount may include, but is not limited to, reasonable attorneys' fees, court costs, and other legal expenses. This amount does not include attorneys' fees for a salaried employee of the Lender. This Security Instrument shall remain in effect until released. Mortgagor agrees to pay for any recordation costs of such release. 16. 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, 42 U.S.C. 9601 et seq.), and 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 substances," "hazardous waste" or "hazardous 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 shall remain in full compliance with any applicable Environmental Law. C. Mortgagor shall 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 shall take all necessary remedial action in accordance with any Environmental Law. D. Mortgagor shall 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. 17. 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 shall 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. 18. INSURANCE. Mortgagor shall keep Property insured against loss by fire, flood, theft and other hazards and risks reasonably associated with the Property due to its type and location. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Mortgagor subject to Lender's approval, which shall not be unreasonably withheld. If Mortgagor fails to maintain the coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property according to the terms of this Security Instrument. All insurance policies and renewals shall be acceptable to Lender and shall include a standard "mortgage clause" and, where applicable, "loss payee clause." Mortgagor shall immediately notify Lender of cancellation or termination of the insurance. Lender shall have the right to hold the policies and renewals. If Lender requires, Mortgagor shall immediately give to Lender all receipts of paid premiums and renewal notices. Upon loss, Mortgagor shall give immediate notice to the insurance carrier and Lender. Lender may make proof of loss if not made immediately by Mortgagor. Unless otherwise agreed in writing, all insurance proceeds shall be applied to the restoration or repair of the Property or to the Secured Debt, whether or not then due, at Lender's option. Any application of proceeds to principal shall not extend or ©1994 Bankers Systems, Inc., St. Cloud, MN (1.800- 397 -2341) Form RE- MTG -WY 11/18/94 (page 3of4) Jo °Bed) EINIMIOAM JO 30.1$ 46 /8L /ll AM 3Huno4 (Lb6Z NLN 'PnOIO'3S "ou('SWLsA6sw)ue9466L (leas) ,35 i C :saitdxa uo ?ss ?uiuio /CyAT C 2 mea 3E11 233:1\I1 S33Iff L '233 tkV`J IV (]IV 23!II2M '2r IEIDEKI JO dup ai [1 s ?111 ow alojaq papaimotniou sgm luawrLtlsul staZ (mmAlpuo ICI" dO A.LMflOO �JI�ITnYI dO d.LV.LS :INIMAIOQd'IMONNDV WV' (ainleuBtS) (ma) RIME 3L '2L 1`J '21 2111 3(I (=MS S) r I aged uo palels alrp 0111 uo luawnl3sui /C1 ?lnoas sup Jo ,Cdoo e jo id ?aoal sa;Ipalmomiow osre 10201.1oyAl sluautgowllr /Cue u? pue luatun.tlsul /Ciunoas s ?111 u? pauteluoo slueuanoo pue swim 0141 01 saaJ2r 1o;Ie$110JAI `motaq ;Iuluffis /Cg :Sd2IfIJ.VIeTOIS •swaay Ieuoii1ppv 101110 1apij luauidoianaQ win pauueld 1 ap ?2I wn ?u ?uIopuo0 [saxoq aigeoltdde tIe loag0] •luawtulsur /i.tlnoas sup 3o sw1a3 ag1 puawu pue luauiaiddns pug out! pairiodloout ale moiaq paloago smap1l 0111 jo gora jo sluawaaae pue slueuanoo a11Z •saapm •apo0 molaututo0 ttuo31un aq1 jo 6 arotl1V jo sasodlnd .o3 piooat 3o paig aq Sew uo?lonpoldal 1ag10 10 o ?gdea01ogd `uogleo Sur pug luawaiels 2tuoueutd a se sao?33ns 3uawnllsui /.tunas stgy illadold aq1 01 pomp.' salnlx ?3 awooaq !pm 10 WE 1gg3 pug alnln3 aq1 u? 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