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HomeMy WebLinkAbout8669801. DATE AND PARTIES. The date of this Mortgage (Security Instrument) is parties, their addresses and tax identification numbers, if required, are as follows: MORTGAGOR: GREG R. BURTON HUSBAND PO BOX 1745 AF'ION, WY 83110 LENDER: (Address) 366980 BOOK 448 PR PAGE 531_ MORTGAGE (With Future Advance Clause) WYOMING MORTGAGE (NOT FOR FNMA, FHLMC, FHA OR VA USE) 01994 Bankers Systems, Inc., St. Cloud, MN (1- 800 397 -2341) Form RE- MTG -WY 11/18/94 RECEIVED .,INCOLN COUNTY CLEF 00 JUL 13 PH 3: 0 JEANNE: S:t AGN(E KEMMERER, WYOMING State of Wyoming Space Above This Line For Recording Data LORI BURTON WIFE PO BOX 1745 AFTON, WY 83110 JULY 12, 2000 If checked, refer to the attached Addendum incorporated herein, for additional Mortgagors, their signatures and acknowledgments. THE BANK OF STAR VALLEY ORGANIZED AND EXISTING UNDER THE LAWS OF THE STATE OF WYOMING P 0 BOX 8007 384 WASHINGTON AFION, WY 83110 and the 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 BUDD -M -RIO SUBDIVISION, LINCOLN COUN'T'Y, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF. The property is located in LINCOLN at (County) RICH LANE AFION Wyoming 83110 (City) (ZIP Code) 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 13, 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 7/12/00 IN THE AMOUNT OF $13,000.00 (page 1 of 4) ((i So z e6ed) V6/8 L/ L L AM 3H wio4 IL VEZ Ll NW 'Polo '1s "our 'swelsAs sieveg V66 L *met aiggoilddd pug sasua-i am jo suual atf glum Aiduioo of fuguaf nitre aimbai pug utelutgur o1 saaa5g oste 1oSg2uoj, •mgt luuual /piojpugl alquotjddu Aug io sasea'I at1 aapun slstxa ljnejap ou rum slue.uem 1O Th 1JOyn1 •luaurnisui Alpnoas situ uT paptnold se paijdde aq TIm paloajjoo sfunotue /fud •spun] 1at10 Aug alum small aril 0j2utut103 1ou trim pug lapua-i 103 1sn1 UT slualj ATM aniaoai iiim pug uoissassod s,1o2g2uow ut small jo luatuAed Aug iapuaj o1 lantjap pug asiopua 'um 1ogu$uoy%j `lingJap Jo aopou 8uini000I u0 '.101)11 71 o1 ,ipoaaip quad alninj jig Agd fueual Aug Imp spugurap pure tingjap jo 1o$e2uoysi sappou `fuage sit io `iapua-i uagm ln000 o1 patuaap st uoissassod tgnfog imp pug uoilog jgSaj 8upuaunuoo jo ,f1ssaoau am 1notltm Auadoid ag1 jo uoissassod Fury mtg1 ,cum zapua-i imp saaJ2g zo8e2uoj •patjsilgs si 1gaQ pin ag1 jjiun pouad uoudtuapal ,True $uunp 1oajja ut utgtual 'gm fuauau2Tsse sig11gg1 pug `mgt ,Cq pagposald uoilog anputtupju swirl lapua1 uagm satiagd pith of sg a /imamm° si fuatuu2Isse spit 1ut1 saaag io8e8uoj •luatun.rlsui Afunoas stop or sauced am uaamlaq ani1oa33a Ataleipaunui st luatuugisse site 1eg1 saalge 1o$g2uow •fuatunisui 1fiunoas site 3o gurtaf am lapun fjnejap uT iou sT 1ogeSuo se &toj os small 0111 asn pug /Cofua `aniaoai 'roailoo Amu 1o2r5uoini •sasea'i alnlnj pug $uifstxa jle jo saidoo roazaoo pug awl glum aapua-i aptnold Apdurold THAN 1oSuguoysi „slush„ se or pa11apa1 Tie) sward pug sanssi `sival pug „sasga-i„ sg o1 pa.uaja.r Tip) sluatuaa18e tons jo suoi1n1i1sgns 10 suoileogipoum `siemauaa `suotsualxa JCug 8ujpnpuT `Auadoid am jo uopaod Niue jo Aouedn000 pug asn aril aoj sluatuaaag legion 10 uaffum .ratio Aug pug `saseaigns 'sasgal aaninj 10 nisixa Ije pug Aug of pug ut isalalu! pug aim `111$T1 atl Hu Aiwwnoas Ieuopippg sg lapual 01 sfurellgm pug sa2euour `siianuoo `sutgaleq `s1tre12 i Tggoonalat 1O 1! 11OJi 'S,LAId2I (INV sasvai iO L LJAINOISSV 'II •uoponlsuoo 0111 jo uopajduuoo 2utpnpu! quadoad 0111 ut isalalut iClunoas s,lapua-i foalold 01 Xi ssaoau sdals fig alul Mum lapua-i `lauugtu ajgguosgaa e ut uo paTllgo mu 10 panupuoostp sT iCuadold at1 uo uoponlsuoo Aug 31 1uatunisui Alunoas site so mgt 0111 lapun s1113u aagio s,aapua-t jo Aug 2utspaax0 tuo13 aapua-p apnloaad iou 'um tuaojaad of aaniiej s,aapuai pug `uuojaad o1 uotlMMtlgo ue alualo iou Iiggs ao8e2uorAi 1oj tuojaad o1 Igkk.t s,lapuaj •aoueuuojaad 1oj £IRssaoau lunotne Aug fed 10 amuu s,10 2g8uoiAi ugis o1 1ogj ur Aatuoug se aapun -j sluiodde 1o2u51low •patuaojaad aq o1 mail 0sngo 10 tu1o31ad `aopou lnotptm `,Cum lapuari luatunlsui iCiunoas srtp ui pauteluoo sluguanoo am io Aug ao Amp Aug uuojaad of sugj 1o$g$uo y�I JI 'JN IO32Idd OZ A,L11IOHdd1V '0I •uopoadsui s,aapual uo iip1 /Cum ou ur Trim 1oSe8floysi pug rgauaq s,aapual aoj iflalpua aq ije118 Auado.rd ail jo uopoadsut Auy •uopoadsui at1 1oj asodlnd ajgeuosual g But,Cjpads uopoadsut ug alojaq so jo atutf 0111 1e aonou 102 1.10J4 an12 Tutu lapua' •Alladold 0111 gutjoadsui jo asodlnd at110j aunt aJQeuoseal Auu iu Auadold 011110'1W `uoildo s,lapua-i fg 'Amu swag s,lapua so lapuaJ •Auadold ail 01 a ttutp 10 SSOI Jitre Jo pure `1o2gSuo A 1sup2e suopou pug sunup `s2urpaaoold `spueurap Hu Jo lapua-i IJpou IpIm 1ogauoJA •luasuoo uaffum 1o!ld s,lapuari lnotigm fuaUlasga so lUEU0AO3 anr1oi11sa1 `asuaotj nitre LIT augto Aug 1TUuad iou IITm 1o8e$faolAI •luasuoo ual1Tam loud s,lapua'i lnoti1Tm amp ,ijjetluelsgns iou IITm asn pug /fouudn000 am Jo alnlgu aq1 1etj1 saaa& 1ae8uoinl •sassel8 pug spasm snoixou jo aaa3 Auadold aril dam! 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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 not 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 attomeys' 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 3 of 4) postpone the due date of the scheduled payment nor change the amount of any payment. Any excess will be paid to the Mortgagor. If the Property is acquired by Lender, Mortgagor's right to any insurance policies and proceeds resulting from damage to the Property before the acquisition shall pass to Lender to the extent of the Secured Debt immediately before the acquisition. 19. ESCROW FOR TAXES AND INSURANCE. Unless otherwise provided in a separate agreement, Mortgagor will not be required to pay to Lender funds for taxes and insurance in escrow. 20. FINANCIAL REPORTS AND ADDITIONAL DOCUMENTS. Mortgagor will provide to Lender upon request, any financial statement or information Lender may deem reasonably necessary. 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 Instrument and Lender's lien status on the Property. 21. JOINT AND INDIVIDUAL LIABILITY; CO- SIGNERS; SUCCESSORS AND ASSIGNS BOUND. All duties under this Security Instrument are joint and individual. If Mortgagor signs this Security Instrument but does not sign an evidence of debt, Mortgagor does so only to mortgage Mortgagor's interest in the Property to secure payment of the Secured Debt and Mortgagor does not agree to be personally liable on the Secured Debt. If this Security Instrument secures a guaranty between Lender and Mortgagor, Mortgagor agrees to waive any rights that may prevent Lender from bringing any action or claim against Mortgagor or any party indebted under the obligation. These rights may include, but are not limited to, any anti deficiency or one action laws. Mortgagor agrees that Lender and any party to this Security Instrument may extend, modify or make any change in the terms of this Security Instrument or any evidence of debt without Mortgagor's consent. Such a change will not release Mortgagor from the terms of this Security Instrument. The duties and benefits of this Security Instrument shall bind and benefit the successors and assigns of Mortgagor and Lender. 22. APPLICABLE LAW; SEVERABILITY; INTERPRETATION. This Security Instrument is governed by the laws of the jurisdiction in which Lender is located, except to the extent otherwise required by the laws of the jurisdiction where the Property is located. This Security Instrument is complete and fully integrated. This Security Instrument may not be amended or modified by oral agreement. Any section in this Security Instrument, attachments, or any agreement related to the Secured Debt that conflicts with applicable law will not be effective, unless that law expressly or impliedly permits the variations by written agreement. If any section of this Security Instrument cannot be enforced according to its terms, that section will be severed and will not affect the enforceability of the remainder of this Security Instrument. Whenever used, the singular shall include the plural and the plural the singular. The captions and headings of the sections of this Security Instrument are for convenience only and are not to be used to interpret or define the terms of this Security Instrument. Time is of the essence in this Security Instrument. 23. NOTICE. Unless otherwise required by law, any notice shall be given by delivering it or by mailing it by first class mail to the appropriate party's address on page 1 of this Security Instrument, or to any other address designated in writing. Notice to one mortgagor will be deemed to be notice to all mortgagors. 24. WAIVERS. Except to the extent prohibited by law, Mortgagor waives any right regarding the marshalling of liens and assets and all homestead exemption rights relating to the Property. 25. OTHER TERMS. If checked, the following are applicable to this Security Instrument: Line of Credit. The Secured Debt includes a revolving line of credit provision. Although the Secured Debt may be reduced to a zero balance, this Security Instrument will remain in effect until released. Construction Loan. This Security Instrument secures an obligation incurred for the construction of an improvement on the Property. Fixture Filing. Mortgagor grants to Lender a security interest in all goods that Mortgagor owns now or in the future and that are or will become fixtures related to the Property. This Security Instrument suffices as a financing statement and any carbon, photographic or other reproduction may be filed of record for purposes of Article 9 of the Uniform Commercial Code. Riders. The covenants and agreements of each of the riders checked below are incorporated into and supplement and amend the terms of this Security Instrument. [Check all applicable boxes] El Condominium Rider Planned Unit Development Rider El Other Additional Terms. SIGNATURES: By signing below, Mortgagor agrees to the terms and covenants contained in this Security Instrument and in any attachments. Mortgagor also acknowledges receipt of a copy of this Security Instrument on the date stated on page 1. (Signature) C1REG R BURTON ACKNOWLEDGMENT: STATE OF .WX4(I N COUNTY OF 1-1 4pZ.(N ss. This instrument was acknowledged before me this ....12TH day of by GAG .?.:.,$VFW 4 L?RT.. ii T,.. Ta Nak k: My commission expires: /IV (Seal) z :L,4: C (Individual) M Commission Ex.ires June 14. 2004 ©1994 Bank aft Inc., St. Cloud, MN (1- 800 397 -2341) Form RE- MTG -WY 11!' /94 Date (Signature) (Date) (Si g LORI BURTON X .,..2QQ (Notary Public) 540 74/o. (Date) (page 4 of 4)