Personal Loan Agreement - Alaska

PERSONAL LOAN AGREEMENT

State of Alaska

Agreement Date: [__/__/____]

Loan Amount: $[________________________________]

Annual Interest Rate: [____]% per annum

Loan Term: [________________________________] months

Maturity Date: [__/__/____]

Loan Purpose: [________________________________]

TABLE OF CONTENTS

1. Parties
2. Recitals
3. Definitions
4. Loan Terms and Disbursement
5. Interest
6. Repayment Schedule
7. Prepayment
8. Late Charges and Fees
9. Security (if applicable)
10. Representations and Warranties
11. Affirmative Covenants
12. Negative Covenants
13. Events of Default
14. Remedies Upon Default
15. Truth in Lending Disclosures
16. Indemnification
17. Governing Law and Dispute Resolution
18. General Provisions
19. Execution

ARTICLE I. PARTIES

1.1 Lender.

Full Legal Name: [________________________________]

Address: [________________________________]

City, State, ZIP: [________________________________]

Telephone: [________________________________]

Email: [________________________________]

1.2 Borrower.

Full Legal Name: [________________________________]

Address: [________________________________]

City, State, ZIP: [________________________________]

Telephone: [________________________________]

Email: [________________________________]

Date of Birth: [__/__/____]

Social Security Number (last 4 digits): XXX-XX-[____]

1.3 Co-Borrower (if applicable). ☐ Check here if there is a Co-Borrower.

Full Legal Name: [________________________________]

Address: [________________________________]

City, State, ZIP: [________________________________]

ARTICLE II. RECITALS

WHEREAS, the Borrower has requested that the Lender extend a personal loan in the principal amount of $[________________________________] (the "Loan Amount") for the purpose of [________________________________]; and

WHEREAS, the Lender has agreed to make such loan upon the terms and conditions set forth in this Personal Loan Agreement (this "Agreement"); and

WHEREAS, the parties intend that this Agreement shall comply with all applicable provisions of Alaska law, including the Alaska usury statutes (AS 45.45.010 et seq.), the Alaska Small Loans Act (AS 06.20, if applicable), and the federal Truth in Lending Act (15 U.S.C. 1601 et seq.) and its implementing Regulation Z (12 CFR Part 1026), to the extent applicable;

NOW, THEREFORE, in consideration of the mutual covenants and agreements contained herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties agree as follows:

ARTICLE III. DEFINITIONS

3.1 "Agreement" means this Personal Loan Agreement, including all exhibits, schedules, and amendments hereto.

3.2 "Applicable Law" means all federal, state, and local statutes, regulations, rules, and ordinances applicable to this Agreement, including but not limited to AS 45.45.010 et seq. (Alaska usury law), AS 06.20 (Alaska Small Loans Act), 15 U.S.C. 1601 et seq. (Truth in Lending Act), and 12 CFR Part 1026 (Regulation Z).

3.3 "Business Day" means any day other than a Saturday, Sunday, or legal holiday observed in the State of Alaska.

3.4 "Default Rate" has the meaning set forth in Section 5.4.

3.5 "Event of Default" has the meaning set forth in Section 13.1.

3.6 "Loan Documents" means this Agreement, any promissory note executed in connection herewith, any security agreement, guaranty, or other document executed in connection with the Loan.

3.7 "Maturity Date" means [__/__/____], or such earlier date on which the Loan becomes due and payable pursuant to this Agreement.

3.8 "Outstanding Balance" means, at any time, the aggregate unpaid principal of the Loan, plus all accrued and unpaid interest, fees, costs, and other charges then due under this Agreement.

3.9 "Payment Date" means the [____] day of each calendar [month/period], commencing on [__/__/____].

3.10 "Principal" means the original Loan Amount of $[________________________________], less any principal payments and prepayments made by the Borrower.

ARTICLE IV. LOAN TERMS AND DISBURSEMENT

4.1 Loan. Subject to the terms and conditions of this Agreement, the Lender agrees to lend to the Borrower, and the Borrower agrees to borrow from the Lender, the Loan Amount.

4.2 Disbursement. The Lender shall disburse the Loan Amount to the Borrower on or about the Agreement Date by one of the following methods:

☐ Check payable to the Borrower

☐ Direct deposit to Borrower's bank account at [________________________________], Account No. [________________________________]

☐ Wire transfer to Borrower's designated account

☐ Other: [________________________________]

4.3 Disbursement Conditions. The Lender's obligation to disburse the Loan Amount is conditioned upon satisfaction of all of the following:

(a) Execution and delivery of all Loan Documents by all parties;

(b) The Borrower's representations and warranties in Article X being true and correct as of the disbursement date;

(c) No Event of Default having occurred or being continuing;

(d) Receipt by the Lender of any required collateral documentation, if the Loan is secured;

(e) Completion of all required Truth in Lending Act disclosures, if applicable;

(f) Such other conditions as the Lender may reasonably require: [________________________________].

4.4 Use of Proceeds. The Borrower shall use the Loan proceeds solely for the following purpose(s): [________________________________]. The Borrower shall not use proceeds for any illegal purpose or in violation of any Applicable Law.

4.5 Non-Revolving. This Loan is a non-revolving, closed-end credit facility. Once repaid, amounts may not be reborrowed under this Agreement.

ARTICLE V. INTEREST

5.1 Contract Interest Rate. The unpaid Principal shall bear interest at the annual rate of [____]% per annum (the "Contract Rate"), computed on the basis of a 365-day year and actual days elapsed.

5.2 Alaska Usury Law Compliance.

(a) Legal Rate. The legal rate of interest in Alaska is 10.5% per annum under AS 45.45.010(a).

(b) Contractual Rate Limitation. Under AS 45.45.010(b), the Contract Rate may not exceed five (5) percentage points above the annual rate charged member banks for advances by the 12th Federal Reserve District on the date of this Agreement, unless the Loan Amount exceeds $25,000, in which case this limitation does not apply.

(c) Small Loans Act. If the Loan Amount is $25,000 or less and the Lender is a small loan licensee under AS 06.20, the maximum interest rate and fees shall comply with AS 06.20.230 and related provisions.

(d) Written Agreement Required. The parties acknowledge that, pursuant to AS 45.45.020, any interest rate exceeding the legal rate of 10.5% must be agreed to in writing, as this Agreement constitutes.

5.3 Usury Savings Clause. Notwithstanding any provision of this Agreement, the total interest paid shall not exceed the maximum rate permitted by Applicable Law. Any excess shall be applied first to reduce outstanding Principal, and then refunded to the Borrower. The Borrower reserves the right to recover double the excess interest within two (2) years pursuant to AS 45.45.030.

5.4 Default Interest Rate. Upon the occurrence of any Event of Default, the Outstanding Balance shall bear interest at the lesser of: (a) the Contract Rate plus [____] percentage points; or (b) the maximum rate permitted under Applicable Law (the "Default Rate").

5.5 Computation. Interest for any partial month or period shall be calculated on a per diem basis (annual rate divided by 365, multiplied by actual days elapsed).

ARTICLE VI. REPAYMENT SCHEDULE

6.1 Payment Type. Select one:

☐ Fixed Installment Payments. The Borrower shall make [________________________________] equal installment payments of $[________________________________] each, consisting of principal and interest, commencing on [__/__/____] and due on the [____] day of each [month/period] thereafter.

☐ Interest-Only Payments with Principal Due at Maturity. The Borrower shall make periodic interest-only payments of $[________________________________] each, due on the [____] day of each [month/period], with the entire Principal due and payable on the Maturity Date.

☐ Single Lump Sum Payment. The entire Outstanding Balance (principal plus accrued interest) shall be due and payable in a single lump sum on the Maturity Date.

☐ Custom Payment Schedule. Payments shall be made according to the schedule set forth in Exhibit A attached hereto.

6.2 Application of Payments. Payments shall be applied in the following order: (a) late charges, costs, fees, and expenses; (b) accrued and unpaid interest; (c) Principal.

6.3 Method of Payment. Payments shall be made by:

☐ Personal check or cashier's check

☐ Automatic bank draft (ACH) from Borrower's account

☐ Wire transfer

☐ Online payment to Lender's designated platform

☐ Other: [________________________________]

6.4 Final Payment. On the Maturity Date, the Borrower shall pay the entire Outstanding Balance, including all accrued and unpaid interest, regardless of any remaining scheduled installment amounts.

6.5 Business Day Convention. If any Payment Date falls on a non-Business Day, the payment shall be due on the next Business Day, with interest accruing through such date.

ARTICLE VII. PREPAYMENT

7.1 Right to Prepay. The Borrower may prepay the Loan, in whole or in part, at any time without premium, penalty, or prior notice.

7.2 Application. Partial prepayments shall be applied first to accrued interest, then to Principal in the inverse order of maturity.

7.3 Effect. A partial prepayment shall not relieve the Borrower of the obligation to make subsequent scheduled payments unless the Lender agrees in writing to reamortize the remaining balance.

ARTICLE VIII. LATE CHARGES AND FEES

8.1 Late Charge. If any payment is not received within [____] calendar days after its due date, the Borrower shall pay a late charge equal to the greater of: (a) $[____]; or (b) [____]% of the overdue payment.

8.2 Returned Payment Fee. If any check or electronic payment is returned for insufficient funds, stop payment, or any other reason, the Borrower shall pay a fee of $[____].

8.3 Not a Penalty. The late charge is a reasonable estimate of the Lender's administrative costs resulting from the late payment and is not a penalty.

ARTICLE IX. SECURITY (IF APPLICABLE)

9.1 Secured Loan. ☐ Check here if this Loan is secured by collateral.

9.2 Collateral Description. If Section 9.1 is checked, the Borrower hereby grants to the Lender a security interest in the following collateral to secure payment and performance of all obligations under this Agreement:

[________________________________]

[________________________________]

[________________________________]

9.3 Security Agreement. The terms of the security interest are set forth in a separate Security Agreement of even date herewith. The Borrower shall execute all documents necessary to perfect the Lender's security interest, including UCC financing statements to be filed with the Alaska Department of Natural Resources, Recorder's Office, pursuant to AS 45.29.501 et seq.

9.4 Insurance on Collateral. If the Loan is secured, the Borrower shall maintain casualty and loss insurance on the collateral in an amount not less than the Outstanding Balance, with the Lender named as loss payee or additional insured.

9.5 Unsecured Loan. ☐ Check here if this Loan is unsecured. If this box is checked, Articles 9.2 through 9.4 do not apply.

ARTICLE X. REPRESENTATIONS AND WARRANTIES

The Borrower represents and warrants to the Lender, as of the Agreement Date and as of each Payment Date, that:

10.1 Capacity. The Borrower is a natural person of legal age with full legal capacity to enter into this Agreement and to perform the obligations hereunder.

10.2 Authority. The execution, delivery, and performance of this Agreement have been duly authorized and do not require the consent of any third party, except as disclosed in writing to the Lender.

10.3 Enforceability. This Agreement constitutes the legal, valid, and binding obligation of the Borrower, enforceable against the Borrower in accordance with its terms.

10.4 No Conflicts. The execution and performance of this Agreement do not violate any law, regulation, court order, or other agreement binding upon the Borrower.

10.5 Financial Information. All financial information provided by the Borrower to the Lender in connection with this Agreement, including income statements, tax returns, bank statements, and credit applications, was true, correct, and complete in all material respects as of the date furnished.

10.6 No Litigation. There is no pending or threatened action, suit, proceeding, or investigation that would materially and adversely affect the Borrower's ability to perform obligations under this Agreement.

10.7 Solvency. The Borrower is not insolvent and has not made or contemplated any assignment for the benefit of creditors or filed or had filed against the Borrower any petition in bankruptcy.

10.8 Collateral Representations (if secured). The Borrower has good and marketable title to the collateral, free and clear of all liens, encumbrances, and security interests except those in favor of the Lender.

10.9 Tax Compliance. The Borrower has filed all required federal, state, and local tax returns and has paid all taxes due.

ARTICLE XI. AFFIRMATIVE COVENANTS

During the term of this Agreement, the Borrower shall:

11.1 Make all payments of principal, interest, fees, and other charges on or before the applicable due dates.

11.2 Promptly notify the Lender in writing of any Event of Default or any event that, with the passage of time or giving of notice, would constitute an Event of Default.

11.3 Comply with all Applicable Laws.

11.4 Maintain the Borrower's primary residence in the State of Alaska (if applicable) and notify the Lender of any change of address within ten (10) days.

11.5 Upon reasonable request, furnish to the Lender updated financial information, including current income documentation, bank statements, and tax returns.

11.6 Maintain insurance on any collateral as required under Article IX.

11.7 Notify the Lender within ten (10) days of any material adverse change in the Borrower's financial condition, including job loss, significant reduction in income, or the filing of any lawsuit against the Borrower.

ARTICLE XII. NEGATIVE COVENANTS

During the term of this Agreement, the Borrower shall not, without the prior written consent of the Lender:

12.1 Transfer, sell, or dispose of all or substantially all of the Borrower's assets if such transfer would materially impair the Borrower's ability to repay the Loan.

12.2 Incur additional indebtedness that is senior to or equal in priority with the obligations under this Agreement (if the Loan is secured).

12.3 Grant any lien or security interest in the collateral (if the Loan is secured) to any third party.

12.4 Use the Loan proceeds for any purpose other than the stated purpose in Section 4.4.

12.5 Use the Loan proceeds for any illegal purpose or in violation of any Applicable Law.

ARTICLE XIII. EVENTS OF DEFAULT

13.1 Events of Default. Each of the following shall constitute an "Event of Default":

(a) Payment Default. Failure to make any payment of principal, interest, or other amount due under this Agreement within [____] calendar days after the due date.

(b) Covenant Breach. Failure to observe or perform any covenant set forth in Articles XI or XII, and such failure continues for thirty (30) days after written notice from the Lender.

(c) Representation Breach. Any representation or warranty made by the Borrower in this Agreement or in any Loan Document proves to have been materially false, misleading, or incomplete when made.

(d) Insolvency. The Borrower: (i) becomes insolvent; (ii) files a voluntary petition under Title 11 of the United States Code (Bankruptcy); (iii) has an involuntary petition filed that is not dismissed within sixty (60) days; (iv) makes a general assignment for the benefit of creditors; or (v) has a receiver, trustee, or liquidator appointed for the Borrower or the Borrower's property.

(e) Death or Incapacity. The death or adjudicated legal incapacity of the Borrower.

(f) Cross-Default. Default under any other obligation of the Borrower to the Lender.

(g) Judgment. A final judgment is entered against the Borrower in excess of $[________________________________] and remains unsatisfied or unstayed for thirty (30) days.

(h) Collateral Impairment. If the Loan is secured, the destruction, material loss, or significant depreciation of the collateral, or the Borrower's failure to maintain required insurance on the collateral.

(i) Material Adverse Change. A material adverse change in the financial condition or prospects of the Borrower that, in the Lender's reasonable judgment, impairs the Borrower's ability to repay the Loan.

ARTICLE XIV. REMEDIES UPON DEFAULT

14.1 Acceleration. Upon the occurrence of any Event of Default, the Lender may, at its sole option, declare the entire Outstanding Balance immediately due and payable, without further demand, presentment, or notice (all of which are waived to the fullest extent permitted by law), except that upon the occurrence of an Event of Default under Section 13.1(d), the Outstanding Balance shall automatically become due and payable.

14.2 Default Interest. The Default Rate shall apply to the Outstanding Balance from the date of default until paid in full, as set forth in Section 5.4.

14.3 Collateral Remedies. If the Loan is secured, the Lender may exercise all rights and remedies available under this Agreement, the Security Agreement, and Article 9 of the Alaska Uniform Commercial Code (AS 45.29), including the right to take possession of and dispose of the collateral in a commercially reasonable manner pursuant to AS 45.29.610.

14.4 Collection Costs and Attorney Fees. The Borrower shall pay all reasonable costs of collection, including court costs, filing fees, and reasonable attorney fees. In litigation, attorney fees shall be awarded to the prevailing party pursuant to Alaska Civil Rule 82. Under Rule 82(b)(1), the prevailing party in a case resolved at trial is entitled to a percentage of actual attorney fees (typically 20% of the first $25,000 recovered, with decreasing percentages for higher amounts). In cases resolved without trial, the prevailing party is entitled to 20% of actual reasonable attorney fees.

14.5 Right to Cure. Before exercising remedies under Sections 14.1 through 14.3, the Lender shall provide written notice specifying the default and allowing the Borrower [____] calendar days to cure (the "Cure Period"), except that no Cure Period is required for Events of Default under Sections 13.1(d) or 13.1(e).

14.6 Cumulative Remedies. All rights and remedies of the Lender are cumulative and not exclusive.

14.7 Set-Off. The Lender may, without prior notice, set off any amounts owed by the Lender to the Borrower against the Outstanding Balance.

ARTICLE XV. TRUTH IN LENDING DISCLOSURES

15.1 Applicability. If this is a consumer credit transaction subject to the Truth in Lending Act (15 U.S.C. 1601 et seq.) and Regulation Z (12 CFR Part 1026), the Lender shall provide the Borrower with the required disclosures before consummation of the Loan, including:

(a) Annual Percentage Rate (APR): [____]%

(b) Finance Charge: $[________________________________]

(c) Amount Financed: $[________________________________]

(d) Total of Payments: $[________________________________]

(e) Payment Schedule: [________________________________] payments of $[________________________________] beginning [__/__/____]

15.2 Right of Rescission. If applicable under 15 U.S.C. 1635 and 12 CFR 1026.23 (transactions secured by the Borrower's principal dwelling), the Borrower has the right to rescind the transaction within three (3) business days after the latest of: (a) the date of consummation; (b) the date the Borrower receives the TILA disclosures; or (c) the date the Borrower receives notice of the right of rescission.

15.3 Additional State Disclosures. The Lender shall comply with any additional disclosure requirements under Alaska law.

ARTICLE XVI. INDEMNIFICATION

16.1 Borrower Indemnity. The Borrower shall indemnify, defend, and hold harmless the Lender and the Lender's heirs, executors, administrators, successors, and assigns from and against any and all claims, losses, damages, liabilities, costs, and expenses (including reasonable attorney fees) arising out of or related to: (a) the Borrower's breach of any representation, warranty, covenant, or obligation under this Agreement; or (b) the Borrower's misuse of the Loan proceeds.

16.2 Limitation. The Borrower's aggregate liability for indemnification under this Section shall not exceed the Loan Amount.

ARTICLE XVII. GOVERNING LAW AND DISPUTE RESOLUTION

17.1 Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State of Alaska, including the Alaska Uniform Commercial Code where applicable, without regard to conflict of laws principles.

17.2 Jurisdiction and Venue. Any action arising out of or relating to this Agreement shall be brought exclusively in the state or federal courts sitting in the State of Alaska, in the [________________________________] Judicial District. Each party irrevocably consents to personal jurisdiction and venue in such courts.

17.3 Jury Trial Waiver (Optional). ☐ If checked, EACH PARTY KNOWINGLY, VOLUNTARILY, AND IRREVOCABLY WAIVES THE RIGHT TO TRIAL BY JURY IN ANY ACTION ARISING OUT OF OR RELATING TO THIS AGREEMENT.

17.4 Mediation (Optional). ☐ If checked, before initiating litigation, the parties shall attempt in good faith to resolve any dispute through mediation administered by [________________________________] in [________________________________], Alaska. Each party shall bear its own mediation costs.

17.5 Arbitration (Optional). ☐ If checked, any dispute arising out of or relating to this Agreement shall be resolved by binding arbitration in [________________________________], Alaska, in accordance with the rules of the American Arbitration Association. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

17.6 Statute of Limitations. The parties acknowledge that contract actions in Alaska are subject to a three (3) year statute of limitations under AS 09.10.053.

ARTICLE XVIII. GENERAL PROVISIONS

18.1 Amendments. This Agreement may be amended or modified only by a written instrument signed by both parties.

18.2 Successors and Assigns. This Agreement binds and inures to the benefit of the parties and their respective heirs, executors, administrators, successors, and assigns. The Lender may assign this Agreement and the Loan without the Borrower's consent. The Borrower may not assign obligations under this Agreement without the Lender's prior written consent.

18.3 Severability. If any provision of this Agreement is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.

18.4 Entire Agreement. This Agreement and the other Loan Documents constitute the entire agreement between the parties regarding the subject matter hereof.

18.5 Notices. All notices shall be in writing and deemed delivered: (a) when personally delivered; (b) three (3) Business Days after mailing by certified or registered mail, return receipt requested, postage prepaid; or (c) one (1) Business Day after deposit with a nationally recognized overnight courier. Notices shall be addressed to the parties at the addresses stated above, or to such other address as either party may designate in writing.

18.6 Waiver. No failure or delay by either party in exercising any right under this Agreement shall constitute a waiver. No waiver shall be effective unless in writing and signed by the waiving party.

18.7 Electronic Signatures. Electronic signatures, facsimile signatures, and PDF copies shall be deemed originals for all purposes.

18.8 Counterparts. This Agreement may be executed in counterparts, each of which shall constitute an original and all of which together shall constitute one and the same instrument.

18.9 Time of Essence. Time is of the essence with respect to all dates and deadlines in this Agreement.

18.10 Construction. This Agreement shall be construed without regard to any presumption against the drafting party.

18.11 Joint and Several. If there is more than one Borrower, their obligations shall be joint and several.

18.12 Force Majeure. Neither party shall be liable for any delay or failure to perform caused by events beyond the party's reasonable control, including acts of God, natural disasters, pandemics, government orders, or similar events, provided that such events shall not excuse the Borrower's obligation to make payments when due.

ARTICLE XIX. EXECUTION

IN WITNESS WHEREOF, the parties have executed this Personal Loan Agreement as of the Agreement Date stated above.

LENDER:

Signature: [________________________________]

Printed Name: [________________________________]

Date: [__/__/____]

BORROWER:

Signature: [________________________________]

Printed Name: [________________________________]

Date: [__/__/____]

CO-BORROWER (if applicable):

Signature: [________________________________]

Printed Name: [________________________________]

Date: [__/__/____]

NOTARY ACKNOWLEDGMENT (Optional)

STATE OF ALASKA

[________________________________] Judicial District

On this [____] day of [________________], 20[____], before me, the undersigned Notary Public in and for the State of Alaska, personally appeared [________________________________] and [________________________________], known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies).

WITNESS my hand and official seal.

Signature: [________________________________]

Notary Public in and for the State of Alaska

My Commission Expires: [__/__/____]

[NOTARY SEAL]

EXHIBIT A - PAYMENT SCHEDULE (if applicable)

IMPORTANT NOTICES AND DISCLOSURES

NOTICE TO BORROWER: You are signing a legally binding loan agreement. Read this entire document carefully before signing. You should consult with an attorney if you have any questions about your rights and obligations. You are committing to repay the Loan Amount together with interest as set forth herein. Failure to make timely payments may result in default, acceleration of the entire balance, additional fees and interest, collection activity, and damage to your credit.

ALASKA USURY NOTICE: The legal rate of interest in Alaska is 10.5% per annum (AS 45.45.010). A higher rate may be agreed to in writing (AS 45.45.020), subject to limitations based on the Federal Reserve District rate for loans of $25,000 or less. If excess interest is charged, you may recover double the excess within two years (AS 45.45.030).

ATTORNEY FEE NOTICE: Alaska Civil Rule 82 provides for mandatory fee-shifting to the prevailing party in civil litigation. If either party prevails in a lawsuit arising from this Agreement, the court will award attorney fees to the prevailing party.

TRUTH IN LENDING NOTICE: If this is a consumer credit transaction, the Lender must provide you with TILA disclosures showing the Annual Percentage Rate, Finance Charge, Amount Financed, and Total of Payments before you sign. If the Loan is secured by your principal dwelling, you may have a three-day right to cancel.

SOURCES AND REFERENCES

• Alaska Statutes Title 45, Chapter 45 - Interest and Usury (AS 45.45.010 - AS 45.45.030)
• Alaska Statutes Title 6, Chapter 20 - Small Loans Act (AS 06.20)
• Alaska Statutes Title 45, Chapter 29 - Secured Transactions (AS 45.29)
• Truth in Lending Act, 15 U.S.C. 1601 et seq.
• Regulation Z, 12 CFR Part 1026
• Alaska Civil Rule 82 - Attorney Fees
• Alaska Statutes Title 9, Chapter 10 - Limitations of Actions (AS 09.10.053)
• Alaska Court System: https://courts.alaska.gov/
• Alaska Department of Natural Resources, Recorder's Office: https://dnr.alaska.gov/ssd/recoff/