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APR -28 -2000 FRI 01:54 PM CONSECO FINANCE
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 ..d p 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 inclu items such as borrowers' names, note
amounts, interest rates, maturity dates, etc.)
A note Home Improvement Retail Inetallment Contract executed
by the mortgagor /borrower on MAY 0 1 2000 20
B. All future advances from Lender to Mortgagor or other future obligations of Mortgagor to Lender
under any promissory note, contract, guaranty, or other evidence of debt executed by Mortgagor in
favor of Lender executed after this Security Instrument whether or not this Security Instrument is
specifically referenced. If more than one person signs this Security instrument, each Mortgagor agrees
that this Security Instrument will secure all future advances and future obligations that are given to or
incurred by any one or more Mortgagor, or any one or more Mortgagor and others. All future
advances and other future obligations are secured by this Security Instrument even though all or part
may not yet be advanced. All future advances and other future obligations are secured as If made on
the date of this Security Instrument. Nothing in this Security Instrument shall constitute a
commitment to make additional or future loans or advances In any amount. Any such commitment
must be agreed to in a separate writing.
C. All obligations Mortgagor owes to Lender, which may later arise, to the extent not prohibited by law,
including, but not limited to, liabilities for overdrafts relating to any deposit account agreement
between Mortgagor and Lender.
D.AII additional sums advanced and expenses Incurred by Lender for insuring, preserving or otherwise
protecting the Property and its value and any other sums advanced and expenses incurred by Lender
under the terms of this Security Instrument.
This Security Instrument will riot secure any other debt If Lender fails to give any required notice of the
right of rescission.
5. PAYMENTS. Mortgagor agrees that all payments under the Secured Debt will be paid when due and in
accordance with the terms of the Secured Debt and this Security Instrument.
6. PRIOR SECURITY INTERESTS. With regard to any other mortgage, deed of trust security agreement or
other Ilen 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.
7. CLAIMS AGAINST TITLE. Mortgagor will pay all taxes, assessments, (lens, 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 niay have against parties who supply labor or materials to maintain or
Improve the Property.
90 1 996 tankers Systems, Int., St. Cloud, MN Form GTH.MTGLAZWY 11/1 8/96
FAX NO. 888 221 7328 P. 21
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APR -28 -2000 FRI 01:55 PM CONSECO FiNANCE
N ifk_,
FAX NO. 888 221 7328 P. 23
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 shalt
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 breathes 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 Lenders 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 ail 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 asslgns 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.
1 eat eankarsSyslams, Inc.. St Cloud. MN Form CTII•MTCIAZWY 12/1$/96
366
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82£1. 122 999 ON X9 3ONdNIA 003SNO0 Nd 99:10 la4 0002- 82 -2Idd
APR 28-2000 FRI 01:57 PM CONSECO FINANCE
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 Tine of credit provision. Although the Secured
Debt may be reduced to a zero balance, this Security Instrument will remain In effect until released,
X 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 ail applicable items]
N/A Condominium RiderN/APlanned Unit Development RiderNLAOther
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.
a
(Slgnatur
(Slgnatura) /s DOTTY K. =WARDS
•f.ti, }q, Il "f�
/a/ LOGAN L. EDWARDS
ACKNOWLEDGMENT:
STATE OF Wyomin8 COUNTY OF L1r> SS.
(Individual) This instrument was acknowledged before me this ,tst of Nay ?994
by L9goit I,: lidwaxds ..and..Dot.ty..I‘....4
My commission expires: February 2, 2002
(sai0
AY 0 1 2000
MAY 0 1 2000
es 1694 Cankers System. Ina., St, Cloud, MN Fotm GTM MTCLAZWV 12/1 S/96
(pate) (S)gnatura)
(Oats) (S(gnature)
FAX N0, 888 221 7328 P, 25
368
Notary Pub
(Hate)
(Data)
CY-1 S -S 1.090 (11/96) (Pogo 6 of 6)
The northerly one -third of Lots 1 and 2 of Block 34 of the
First Addition to the Town of Kemmerer, Lincoln County,
Wyoming being more particularly described as follows:
Beginning at the Northeast corner of Lot 1 at the intersection
of Sage Avenue and Agate Street, running thence Southerly
along Sage Avenue, 46 2/3 feet;
thence at right angles Westerly, 140 feet along a line
parallel to and 46 2/3 feet distant from the
Northerly boundary line of said Block 34;
thence Northerly, at right angles and parallel with the
Easterly and Westerly boundary lines of said Block
34, 46 2/3 feet to the Northerly boundary line of
said Block 34;
thence at right angles Easterly, 140 feet along the
Northerly boundary line of said Block 34 on Agate
Street to the Point of Beginning.