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HomeMy WebLinkAbout901023BOOK RECEIVED t_iNCOLN cour,l'rY Ot. ERK State of Wyondng Space Above This Line For Recording Data MORTGAGE (With Future Advance Clause) DATE AND PARTIES. The date of this Mortgage (Security Instrument) is .0.7.-.o.9...2.0.0..4 .................................... and the part[es, their addresses and tax identification numbers, if required, are as follows: MORTGAGOR: GEORGEJ. OZGA, JR. and DEBRA A. 0ZGA, HUSBANB AND WIFE PO BOX 1267 THAYN[, WY 83127 [] If checked, refer to the attached Addendum incorporated herein, for additional Mortgagors, their signatures and acknowledgments. LENDER: THE BANK OF STAR VALLEY THAYNE BRANCH Organized and existing under the laws of the state of Wyoming P.O, BOX 928 113 PETERSEN PARKWAY THAYNE, WY 83127 83-0315143 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 tbllowing described property: SEE SCHEDULE A AIIACHED HEREI0 AND MADE A PART HEREOF The property is located in ................................ L.I.~.C..O.LN ............................... at .L.0.T.3. .S.~§.[. tt.[~ .R. 6NC. H.~.S..2N0.(I.t!.Nq ........... (County) ...................................................................................... J.t~bXN.~ ....................... Wyoming ......... ~3. !.2.7. ........ (Address) (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, sirucmres, fixtures, and replacements that may now, or at any time in the future, be par[ of the real estate described above (all refcm:d to as "Property"). MAXIMUM OBLIGATION LIMIT. The total principal amount sea red by this Security Instrument at any one time shall not exceed $ .2.0.,.0.9.9...1.2. ........................................... 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 mtdcr the terms of this Security Instrument to protect Lender's security and to pcrt'onn any of the covenants contained in this Security Instrument. 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 extensioqs, renewals, modifications or substitutions. (When referencing the debts below it is suggested that you include items st[ch as borrowers' names, note autourtts, ituerest rates, maturity dates, etc.) ONE PROMISSORY NOTE DATED 7~9~04 IN THE AMOUNT 0f $20,099.12 WYOMING- MORTGAGE INOT FOR FNMA, FHLMC, FHAORVA USE) ©1994 BankerA~,3/&t~TQ~4~c. St. Cloud, MN 11-800-397-2341) Form RE MTG-WY '. :.. · a {page 1 of 4) --7- T~~. . 7~'~ (~ ]o ~ a~ed) ~6/8~/L £ MVVOJ. 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'V :saa~g lO~/g§llOlA[ '~llado21d aql uo aoumqulnoua ~o lsalaltq ~l!maas lO~21d u palga21a lmll luamnoop uaq. 21atllo lO luatuaa21:flg Xl[lnoas 'lsml jo 'paap 'afluglxotu latllO /iug ol p.~gga] tll!A5 'g&ggd}l~&iqI~ 5' J~&I}IFID~S. 5-' pug anp Uatl~ p!gd aq I1!~ lqa(][ pamvaS aql ~apun sluam/igd lie lut[l saa~qg ~ogeli'l~OlAl 'SLNI~IAVd · uo!ss!asa~ jo ltI~!21 aql jo ao!lou pa~.rnbax/iug aA!g O1 Sl!gj sapua~i J! lei^p ~aqlo/iuu annoas lou Ii!ax lUaumxlSUl Xl!lnoaS s!q,L '£ '9 · }uammlsuI /il!maaS s!ql jo su~al atIl 21^pun 21apua~ /iq pa21mou.~ sase^dx^ pug paoug^pg stuns ~aqlo /iue pug anIg^ gl! pug /ill^do21d attl ~u!loalo21d ag!?~21aqlo lo ~'m^lasa21d 'gminsm loj iapua~l /iq pa.unou[ saguad×a pug paoug~pg stuns lgUO[l!ppg IIV · 21apua'l pug lo~g§l~OlA[ Uaa~laq luamaa~flg lunoaog l!sodap ,~.ug ol ~U!lglal slJg21pla^o loj sa!l[l[quI 'ol pal!tm.l lou lnq 'flu[pnlau} 'axeI Xq pal!q[qo21d lou lualxa aql ol 'as~lg lalgI/iem tto!tl~ ~apua~l ol sa~xo lo~g~llOlA[ suo[lgfi)lqo llV '~u!1!21~ almgdas u u[ ol pa^i,% aq lsnm luatul!unnoa tDns/iuV 'lunomg /iug u! saaug^pg lo sugoI amlnJ 21o lguo!l!ppg a>lgOa ol l[~atl~l}ttm~o3 g altll!lSt~oo Ilet[s luammlsu1 /il!ma^S s!ql u{ ~u!tIloNl 'luammlsUl /il!maaS s!ql jo aigp atll uo apgtu j[ gg pamoag a~u suo!lg§[lqo ^.ming ~atllO pug sa~ug^pg ommj IIV 'paougApg aq la/i lou /iron lied 21o lie tI~noql ua^a luammlsuI ~l!~noaS s[ql /iq pa~n.~as a~u suo!lg~!|qo a~nlnj latllo pug saoug^pg a21mnJ IIV 'slaqlo pug ~ogugl~olAl alom lo auo /iuu ~o '21o~ggllOlAI alom ]o atto /iug /iq palm^u! ~o ol ua^~ aIg lmll suo!lgg[lqo amlnJ pug saoug^pu amlnj lie ^In^as lI[~ luammlsui Xl[maag s!q! lgtll saal~g 21o~g~llOlAI ti^ga 'iuammlsu1 /il[21naag st. ttl gulls uog21ad oeo Umll alom JI 'paoualaJal /illga[j[oads s! luamn.llsuI /il[lnoa8 s[t|l lou 21o 21oqlaq~ luatunllStlI Jil!21n>ag s!ql lalju paln>axa .~apuaq[ jo ]o^gj u[ logg~l.~oI~//iq palnaaxa lqap jo aouap!^a 21aqlo 21o '&umgng 'laglluoa 'alou A21ossm~o21d/iug 21^pun !appall ol lOgg§lloIAI jo suo!lg~t!lqo amlnJ 21,tllo ~o ~oi%gllOl~ ol l*pua~I molj saaug^pg a~nlnJ IIV 'Q '3 'fl 12. LEASEHOLDS; CONDOMINIUMS; PLANNED UNIT DEVELOPMENTS. Mortgagor agrees to comply with the provisions of any lease if this Security Instrument is on a leasehold. Ili the Property includes a unit in a condominium or a planned unit development, Mortgagor will perform all of Mortgagor's duties tinder thc covenants, by-laws, or regulations of the condominium or planned nnit 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 l'oreclosure actions. Subject to these limitations, if any, Lender may accelerate the Secured Debt and foreclose this Secm'ity Instrument in a maturer 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 ot'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 thc 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 dethult. By not exercising any remedy on Mortgagor's default, Lender docs not waive Lender's right to later consider the event ia 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 amonnt incurred by Lender for insuring, inspecting, preserving or otherwise protecting the PrOperty and Lender's security interest. These expenses will bear interest fi'om the date of the payment nntil paid in ftdl at the highest interest rate in effect as provided in the terxns of the Scented Debt. Mortgagor agrees to pay all costs and expenses incurred by Lender in collecting, enforcing or protecting Lender's rights and remedies tinder 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 tbr a salaried employee of the Lender. This Security Instrnn~ent shall remain m effect nntil 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 linfitation, 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, enviromnent or a hazardous substance; and (2) Hazardous Substance means any toxic, radioactive or hazardous material, waste, polhltant or contaminant which has characteristics which render the substance dangerous or potentially dangerous to the public health, safety, welfare or enviromnent. The term includes, without limitation, any substances defined as "hazardous material,'[ "toxic substances," "hazardous waste" or "hazardous substance" tinder 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 ~br 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 dill compliance with any applicable Envirorm~ental Law. C. Mortgagor shall innnediately notify Lender if a release or threatened release of a Hazardous Substance occurs on, tinder or about the Property or there is a violation of any Envir0nnlcntal 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 orall 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 clahns. Mortgagor assigns to Lender the proceeds of any award 0r 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 bc applied as provided in this Security Instnnnent. This assigmnent of proceeds is subject to the terms of any prior mortgage, deed ,.ff mist, security agreement or other lien document. 18. INSURANCE. Mortgagor shall keep Property insured against loss by fire, flood, theft and other hazai~ds and risks reasonably associated wilh 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 Ihils 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 temfination of the insurauce. 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 inm~ediate notice to the insurance carrier and Lender. Lender may make proof of loss if not made innnediately by Mortgagor.~ Unless otherwise agreed in writing, all insnrance proceeds shall be applied to the restoration or iepair of the Proper'ty or to the Secured Debt, whether or not then clue, at Lender's option. Any application of proceeds tO-principal shall m)t extend or (page 3 of 4) {t' ,to t;' ailed) PG/GI/L t M~-OllAt-3}J LmOJ (~ ~'~Z'LGg-O08-1~) NIP, I 'P~Ol3 '15 "3Ul 'smazsAs s~a~lue~] t,'66 (Nnp!a!pul) { ........................... .... ..................................... ao :&N~IBID(I~qAiOiq)ID V Jiuu u! puu lu~mmlsuI ,(l~.~naa8 s[ttl u! pou!eltlo3 SlUUt~OAO~ puc SUI~m oql Ol saa~§e ~o§e~l~OlAI '~oDq ~tnu~s '({1 :~)IfI,LViq~IS · smJa& lUUO!l!ppv [] ........................................................ 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Xl~ud ale]~doaddu ol I]em ssela ls~U Xq 1[ gu~l~em Xq ao 1} gugJaa[Iap ~q uaa}S aq llmlS ao[lou ~uu 'muI aq pal}nba~ as[m~aqlo ssa[u~ Joj ~u luamn~lsuI ~Jna~ s~ql jo suoB3as mil jo s~u~pe,tt puu suo~ldeo atL[ '~uln~u[s Otll Imnld otb puu imnld lleqs ~eln~u[s *ql 'pasn ~A3t~aq~ 'lu,mn~lsuI ~l~n~o8 S]tll jo ~apu[etu~ ~ttl jo ~l~l~quoaJoJuo oq] ]~ojju ]ou I1~ pue pa]noas atll ol palela~ luamaa~e ~t[e Jo 'sluamqaulle 'luammlsuI Xlpn3ag slt[i ti[ uollgas XuV 'luamaa~e le.~o ~q palj[pom ]o papuamu aq lOU Aura luammlsuI ~l[.maag sl~& 'palm~alul KilnJ puu ala[dtuo3 sI luatun~lsuI ~l~naaS s~tLL 'pale3oI s~ Kl~ado]d aql a~atta uollolpgHn[ aql jo SaUl aql Xq pa~[nba~ as[~attlo lualxa aql cq ldaaxa 'palu3oI sI ~apua~ aql jo s~eI aql Xq pausaaog s~ luamn!lsUI Xlpnaas s}q~ 'MOI'&V&~NdH~LNI ~XJ,I~Ifl~A~S ~A~Vq ~q~VDlqddV · ~apua~ puu $ogegllo~ 1o suglssu puu s]ossaaans aql l[Jauaq pug pu[q lletl Xl}maog sltll jo slUauaq pug s*llnp atl~ 'luammlsuI ~ll~naag s}tB jo sm]al atll molt ~ogugl~oN aSUala~ lou II{~ a~uuqa u tDn8 'luaguo~ s.~o~e~l~o~ lnotll[~ lqap jo aauap[aa ~ue ~o luammlsuI XlHiDag s[t[I jo gm,al aql u[ a~uutl3 /j[pom 'pualxa Kuru. luamnxlsuI ill~noas s[tll ol ~l~ed iue puu ~apua~ lmll sao~gu ~o~uglio~ 's~u1 ~IOBau-auo Xuu 'ol palluql lou ale lnq 'apnlaU~ ~em glq~[J osatlZ 'uoDe~Hqo atll ~apun palqapu[ Xl~ed ~uu ~o uaa~laq Xlue~en~ e sa~n3as luamn~lsuI Kl[~naaS s~ql JI 'lqao pa~naag ati1 uo alqml XlleUOS~ad aq ol aa~e lou saop puu lqoG paanoag aql jo luamXed a~naas ol Xl.~adoad atll m lsaaalu} s,.~o~u~l.~o[~ a~eglaom ol Xluo os 'lqap jo aauap}Aa UU u~tS 1ou saop lnq luammlsuI Xl[anoas s}tll su~ts ao~g~l.~olq Jl '[enp{A~pu~ puu ltqO[ a~e luamnalsuI s}ql ~apun saBnp llV 'O~Ofl S~DISSV O~V S}IOSS~DD~S ~S8~DIS-OD :X~IqlflVYI qV~OlAI(I~I '~lxado~d otB uo snluls ua~l s,aapua~ pue luamnalsuI ~l}moaS s,lo~egllo~ aA~asa~d pue 'anulluoo 'loaj~ad ol aaussaaau aapssuoo Xetu .lapua'I leql suoBeo~J}!~aa ~o sluamnoop ~ue alu pue '~aAHap 'u~[s ol saaa~u lo~e~lloN 'a~ugsaoau Xlqeuogeal. maap Xem aapua~l uo]lumaqu~ ao luamalelg le[aueu~J Xue 'lsanbaa uodn aapua~ ol ap~ao~d I[~m ~ogugl~oN '8~L~lq~DOfl ]V~qOI~IOOV ~V SL~Od~8~ 5 qVID~VMI~ '~o~oga u! aauumsu! puu saxel ~oj spunj ~apua~l ol ,(ed ol pa~!nba~ aq lou II[~ .Io~e~lmlAI 'luamaa~e almedas u u! pap!Ao~d as!~aqlo SSalUfl '53DNV}IflSlqi ON[V S~IXV£ }10~ 'uo[l!s!nbau aql alotaq ,([ale[pamm.~ lqaG pa~naaS aql jo lualxa mo~j gm~lnsa~ spaaao~d puu saD!Nd aaumnsm aql ol pied aq II[.,u ss,axa XuV '!uam,{ud ,(uu jo lunomu aql a~uuqo ]ou tuamXud palnpaqos otB jo alup anp aql auodlsod '61 090lOnG Schedule A Lot 3 of Sage Hen Ranches 2nd Filing, Lincoln County, Wyoming as described on the official plat filed November 5, 2003 as Instrument No. 895032 of the records of the Lincoln County Clerk. ~