Loading...
HomeMy WebLinkAbout899919Spac,~ Above This Line For Recording Data MORTGAGE DATE AND PARTIES. The date of ~his Mortgage (Security Instrument) is June 2, 2004. The pa'rties and their addresses are: MORTGAGOR: ROBERT R MEIK,LE 1462 BLUEJAY PLACE EAGLE, Idaho 83616 LENDER: FIRST NATIONAL BANK - WEST Organized and existing under t'.~e laws of the United States of America 100 Greys River Road Alpine,Wyoming 83128 TIN: 83-0162601 1. CONVEYANCE. For good and valuable consideration, the receipt and sufficiency of which is acknowledged, and to secure the Secured Debts and Mortgagor's performance under this Security Instrument, Mortgagor grants, bargains, conveys, mortgages and w~rrants to Lender, with the power of sale, the following described property: A PORTION OF SECTION 9, T36N, Rl19W, 6TH P.M., WYOMING DESCRIBED AS FOLLOWS: LOTS 8 & 7. PROPOSED ALPINE RETREAT, INC.,SUBDIVISION #3 AS PREPARED IN 1971 BY AAA ENGINEERS, SALT LAKE CITY, UTAH AND EASEMENT FOR ACCESS TO THE FOREGOING REAL PROPERTY AS GRANTED BY THAT CERTAIN JUDICIAL EASEMENT RECORDED 8-26-1996, AT BOOK 387PR, PAGE 412 The property is located in LINCOLN Caunty at.ALPINE RETREAT HIGHWAY 89, ALPINE, Wyoming 83'i 28. Together with all rights, easements, appurtenances, royalties, mineral rights, oil and gas rights, crops, timber, all diversion payments or third party p~iyments made to crop producers 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 (all referred to as Property). This Security Instrument will remain in effect until the Secured Debts and all underlying agreements have been termina'~ed in writing by Lender. 2. MAXIMUM OBLIGATION LIMIT. The total principal amount secured by this Security Instrument at any' one time will not exceed $21,000.00. This limitation of amount does not include interest and other fees and charges validly made pursuant to this Security Instru~nent. 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. ' " 3. SECURED DEBTS. This security Instrument will secure the following Secured Debts: A. Specific Debts. The follow;lng idebts and all extensions, renewals, refinancings, modifications and replacements. A promissory note or other agreement, No. 761000605, dated June 2, 2004, from Mortgagor to Lender, with a loan amount of $'21,000.00, with an interest rate of 5.5 percent per year and maturing on September 2, 2004. B. All Debts. All present and fut"ure debts from Mortgagor to Lender, even if this Security Instrument is not specifically referenced, or if the futur~ debt is unrelated to or of a different type than this debt. If more than one person signs this Security Instrument, each agrees that it will secure debts incurred either individually or With others whb may not sign this Security 'Instrument. Nothing in this Security Instrument constitutes a commitment to make additional or future loans or advances. Any such commitment must be in writing. In the event that Lender fails to provide any required notice of the right of rescission, Lender waives any subsequent security interest in, the Mortgagorls principal dwelling that is created by this Security Instrument. This Security Instrument will not secure any debt for which a non-possessory, non-purchase money security interest is created in "household goods" in c~nnection With a "consumer loan," as those terms are defined by federal law ROBERT R MEIKLE Wyoming Mortgage WY/4XDoreuaO072520000436301OO60204Y ©1996 Bankers Systems. Inc., St. Cloud, MN ~_,,~'-~:~" Inidals Page 1 governing unfair and deceptive credk practices. This Security Instrument will not secure any debt for which a security interest is created in "n:iargin stock" and Lender does not obtain a "statement of purpose," as defined and required by federal law goveJ-ning securities. C. Sums Advanced. All sums ';advanced and expenses incurred by Lender under the terms of this Security Instrument. ' ~ 4. PAYMENTS. Mortgagor agree,'? that all payments under the Secured Debts will be paid when due and in accordance with the terms of the Secured Debts and this Security Instrument. 5. PRIOR SECURITY INTERESTS. Witti regard to any other mortgage, deed of trust, Security agreement or other lien document that created a prior sb, curity interest or encumbrance on the Property, Mortgagor agrees: Al 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 modificati',~n Or extension of, nor to request any future advances under any note or agreement secured by the lien dc!.cun~ent without Lender's prior written consent. 6. CLAIMS AGAINST TITLE. Molitga(Ior will pay all taxes, assessments, liens, 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 may have against parties'~ wh,o supply labor or materials to maintain or improve the Property. 7. DUE ON SALE. Lender may, atiitsloption, declare the entire balance of the Secured Debts to be immediately due and payable upon the creation, of, ;or contract for the creation of, a transfer or sale of all or any part of the Property. This right is subject to ti-? relstrictions imposed by federal law governing the preemption of state due-on- sale laws, as applicable. 8. WARRANTIES AND REPRESEN-~AT ONS. Mortgagor has the right and authority to enter into this Security Instrument. The execution and d~iive, ry of this Security Instrument will not violate any agreement governing Mortgagor or to which Mortgagor is a party. 9. PROPERTY CONDITION, ALTERATIONS AND INSPECTION. Mortgagor will keep the Property in good condition and make all repairs that are reasonably necessary. Mortgagor will not' commit or allow any waste, impairment, or deterioration of the Property. Mor'tga§or will keep the Property free of noxious weeds and grasses. Mortgagor agrees that the nature of the occdpancy and use will not substantially change without Lender's prior written consent. Mortgagor will not perm!¢ an,/ change in any license, restrictive covenant or easement without Lender's prior written consent. Mortgagor 'will.' notify Lender of all demands, proceedings, claims, and actions against Mortgagor, and of any loss or dama~je tO the Property. No po'trion of the Property will be r~i~mo'/ed, demolished or materially altered without Lender's prior written consent except that Mortgagor bas the right to remove items of personal property comprising a part of the Property that become worn or obsolete, provideC~ that such personal property is replaced with other personal property at least equal in value to the replaced personal property, free from any title retention device, security agreement or other encumbrance. Such replacement c;f personal property will be deemed subject to the security interest created by this Security Instrument. Mortgagor will not partition or subdivide the Property without Lender's prior written consent. Lender or Lender's agents may, at Len:ler's option, enter the Property at any reasonable time for the purpose of inspecting the Property. Lender will give Mortgagor notice at the time of or before an inspection specifying a reasonable purpose for the inspection. Any inspection of the Property will be entirely for Lender's benefit and Mortgagor will in no way rely on Lender's insPection. 10. AUTHORITY TO PERFORM. If .Mortgagor fails to perform any duty or any of the covenants contained in this Security Instrument, Lender may, Without notice~ perform or cause them to be performed. Mortgagor appoints Lender as attorney in fact to sign IV ortgagor's name or pay any amount necessary for performance. Lender's right to perform for Mortgagor will not cCeate an obligation to perform, and Lender's failure to perform will not preclude Lender from exercising any of Lend]r's other rights under the law or this Security Instrument. If any construction on the Property is discontinued or not carried on in a reasonable manner, Lender may take all steps necessary to protect Lender's security interest in the Property, including completion of the construction. 11. ASSIGNMENT OF LEASES AND iRENTS. Mortgagor assigns, grants, bargains, conveys, mortgages and warrants to Lender as additional securit? all the right, title and interest in the following (Property). A. Existing or future leases, subleas,:~s, licenses, guaranties and any other written or Verbal agreements for the use and 'occupancy of the ProFerty', including but not limited to any extensions, renewals, modifications or replacements (Leases). B. Rents, issues and profits, including but not limited to security deposits, minimum rents, percentage rents, additional rents, common area maintenance charges, parking charges, real estate taxes, other applicable taxes, insurance premium contributions, liquidated damages following default, 'cancellation premiums, "loss of rents" insurance, guest receipts, revendes, royalties, proceeds, bonuses, accounts, contract rights, general intangibles, and ali rights and claims which Mortgagor may have that in any way pertain to or are on account of the use or occupancy of the whole or any part of the Property (Rents). In the event any item listed as Leases or Rents is determined to be personal property, this Assignment will also be regarded as a security agreement.. Mortgagor will promptly provide Lender with copies of the Leases and will certify these Leases are true and' correct copies. The existing Leases will be provided on execution of the Assignment, and all future Leases and any other information with respect to these Leases will be provided immediately after they are execuled. Mortgagor may collect, receive, enjoy and use the Rents so long as Mortgagor is not in default. Mort,ci'ago~ will not collect in advance any Rents due in future lease periods, unless Mortgagor first Obtains Lender's written consent. Upon default, Mortgagor will receive any Rents in trust for Lender and Mortgagor will not .commingle the Rents with any other funds. When Lender so directs, Mortgagor will ROBERT R MEIKLE Wyoming Morlgage W Y/4X D ore tt a I~,~:;:}!;~'~04363010060204Y ©1996 Bal~ems Inc., SL Cloud, MN ~" 'Initials i~ag~e 2~' - endorse and deliver any payments;, of 'Rents, from the Property to Lender. Amounts collected will be applied at Lender's discretion to the Secured ~)eb~s, the costs of managing, protecting and preserving the Property, and other necessary expenses. Mortgagor agrees that this Security Instrument is immediately effective between Mortgagor and Lender. This Security Instrument will remain effective during any statutory redemption period until the Secured Debts are satisfied. Unlesi~ o~herw se prohibited or prescribed by state law, Mortgagor agrees that Lender may take actual possession of tllelPro~erty without the necessity of commencing any legal action or proceeding. Mortgagor agrees that actual posssssi;on of the Property is deemed to occur when Lender notifies Mortgagor of Mortgagor's default and demands.tha~: Mortgagor and Mortgagor's tenants pay all Rents due or to become due directly to Lender. Immediately afl[er Lender gives Mortgagor the notice of default, Mortgagor agrees that either Lender or Mortgagor may immedi~:ltely notify the tenants and demand that all future Rents be paid directly to Lender. As long as this Assignme;~t is in effect, Mortgagor warrants and represents that no default exists under the Leases, and the parties subject to the Leases have not violated any applicable law on leases, licenses and landlords and tenants. Mortgagor., at,fits sole cost and expense, will keep, observe and perform, and require all other parties to the Leases to corrply.:withthe Leases and any applicable law. If Mortgagor or any party to the Lease defaults o'r fails to observe a~i~y applicable law, Mortgagor will promptly notify Lender. If Mortgagor neglects or refuses to enforce compliance :will1 the terms of the Leases, then Lender may, at Lender's option, enforce compliance. Mortgagor will not :~ublet, modify, extend, cancel, or otherwise alter the Leases, or accept the surrender of the Property covere,:J b~/ the Leases (unless the Leases so require) without Lender's consent. Mortgagor will not assign, compr~miS'e, subordinate or encumber the Leases and Rents without Lender's prior written consent. Lender does not';ass~!Jme or become liable for the Property's maintenance, depreciation, or other losses or damages when Lender acts t,; manage, protect or preserve the Property, except for losses and damages due to Lender's gross negligence o!' intentional torts. Otherwise, Mortgagor will indemnify Lender and hold Lender harmless for all liability, loss or da?nag:e that Lender may incur when Lender opts to exercise any of its remedies against any party obligated under the L,~ases. 12. DEFAULT. Mortgagor will be ir'~ de':ault if any of the following occur: A. Payments. Mortgagor fails tel, mai'ke a payment in full when due. B. Insolvency. Mortgagor makes ..an assignment for the benefit of creditors or becomes insolVent, either because Mortgagor's liabilities ~.xce~d Mortgagor's assets or Mortgagor is unable to pay Mortgagor's debts as they become due. ~ i " C. Death or Incompetency. Mor'[gaclor dies or is declared legally incompetent. D'. Failure to Perform. Mortgagor Calls to perform any condition or to keep any promise or covenant of this Security Instrument. ' E. Other Documents. A default '0cc(~rs under the terms of any other transaction document. F. Other Agreements. MortgagCr is.in default on any other debt or agreement Mortgagor has with Lender. G. Misrepresentation. Mortgag,i~)r rri~akes any verbal or written statement or provides any financial information that is untrue, inaccurate, or cor,ceals a material fact at the time it is made or provided. H. Judgment. Mortgagor fails t(~ satisfy or appeal any judgment against Mortgagor. I. Forfeiture. The Property is used, irl a manner or for a purpose that threatens confiscation by a legal authority. J. Name Change. Mortgagor ~;hanges Mortgagor's name or assumes an additional name without notifying Lender before making such a change K. Property Transfer. Mortgagi~)r transfers all or a substantial part of Mortgagor's money or property. This condition of default, as it relatesto. the transfer of the Property, is subject to the restrictions contained in the DUE ON SALE section. : L. Property Value. The value of!the Property declines or is impaired. M. Insecurity'. Lender reasonably be. Ii.eves that Lender is insecure. 13. REMEDIES. Lender may use E~ny and all remedies Lender has under state or federal law or in any instrument evidencing or pertaining to the Secured Debts, including, without limitation, the power to sell the Property. Any amounts advanced on Mortgagor's behalf will be immediately due and may be added to the balance owing under the Secured Debts. Lender may rrake'~a claim fOr any and all insurance benefits or refunds that may be available on Mortgagor's default. Subject to any right to cure, required ti:ime schedules or any other notice rights Mortgagor may have under federal and state law, Lender may make, allI or any part of the amount owing by the terms of the Secured Debts immediately due and foreclose thi~ Security Instrument in a manner provided by law upon the occurrence Of a default or anytime thereafter. Upon any sale of the Property, Letlder will make and deliver a special or limited warranty deed that conveys the property sold to the purchaser or ~urchasers. Under this special or limited warranty deed, Lender will covenant that Lender 'has not caused or allowed a lien or an encumbrance to burden the Property and that Lender will specially warrant and defend the Pr'ope~ty's title of the purchaser or purchasers at the sale against all lawful claims and demand of all persons claiming by,, through or under Lender. The recitals in any deed of conveyance will be prima facie evidence of the facts s.~.t forth therein. All remedies are distinct, cumulatiw and not exclusive, and the Lender is entitled to all remedies provided at law or equity, whether or not expressly s,~t fbrth. The acceptance by Lender of any sum in payment or partial payment on the Secured Debts after the ba~anc,e is due or is accelerated or after foreclosure proceedings are filed will not constitute a waiver of Lender's right to require full and complete cure of any existing default. By not exercising any remedy, Lender does not waive L~inder's right to later consider the event a default if it continues or happens again. 14. COLLECTION EXPENSES ANE? ATTORNEYS' FEES. On or after Default, to the extent permitted by law, Mortgagor agrees to pay all expe0ses of collection, enforcement or protection of Lender's rights and remedies under this Security Instrument. M~rtgL~gor agrees to pay expenses for Lender to inspect and preserve the Property and for any recordation costs of releasing the Property from this Security Instrument. ROBERT R MEIKLE Wyoming Mortgage WY/4XDorettaO07252000043630 ] 0060204Y ©1996 Bankers Systems, Inc., St. Cloud, MN %=~"~-~r~" Expenses include, but are Initials ~ ~ Page 3 not limited to, attorneys' fees, e(;~urt !costs and other legal expenses. These expenses are due and payable immediately. If not paid immediate:l¥, these expenses will bear interest from the date of payment until paid in full at the highest interest rate in effecl as provided for in the terms of the Secured Debts. To the extent permitted by the United States Bankruptcy Code, Mort9a~or a9rees to pay the reasonable attorneys' fees Lender incurs to collect the Secured Debts as award~d b~ any court exereisinfl jurisdiction under the Bankruptcy Code. 15. E~VIRO~MENTAL LAWS AND~ HAZARDOUS SUBSTANCES. As used in this section, 11} Environmental Law means, without limitation, the Comprehensiw Environmental ~esponse, Compensation and Liability Act (CE~CLA, 42 U.S.C. 9601 et seq.), aft other federal, state and local laws, re9u[ations, ordinances, court orders, attorney fleneral opinions or interpretive [ett~ers 9oneernin~ the public health, safety, welfare, environment or a hazardous substance; and (2} Hazardous Sub:';tance means any toxic, radioactive or hazardous material, waste, pollutant or contaminant which has eharacterist~jes Which render the substance dan9erous or potentially dan9erous to the public health, safety, welfare or enviro~qmeat. The term includes, without limitation, any substances defined as "hazardous material," "toxic subsrane(~," "hazardous waste," "hazardous substance," or "re~ulaled substance" under any Environmental Law. Mortgagor represents, warrants an6 agrees that: A. Except as previously disclosed and acknowledged in writing to Lender, no HAzardous Substance has been, is, or will be located, transported, r.~anufactured, treated, refined, or handled by any person on, under or about the Property, except in the ordinary cog~rse of business and in strict compliance with all applicable Environmental Law. B. Except as previously disclosed and acknowledged in writing to Lender, Mortgagor has not and will not cause, contribute to, or permit the release of any Hazardous Substance on the Property. C. Mortgagor will immediately ~poti~y Lender if (1) a release or threatened release of Hazardous Substance occurs on, under or about the P~ope[ty or migrates or threatens to migrate from nearby property; or (2) there is a violation of any Environmental Law concerning the ProperW. In such an event, Mortgagor will take all necessary remedial action in accordance with Environmental Law. D. Except as previously disc os,~d a~d acknowledged in writing to Lender, Mortgagor has no knowledge of or reason to believe there is any pgnding or threatened investigation, claim, or proceeding of any kind relating to (1) any Hazardous Substance Io,~:ated on, under or about the Property; or (2) any violation by Mortgagor or any tenant of any Environmental Law. ~ortgagor will immediately notify Lender in writing as soon as Mortgagor has reason to believe there is any such pending or threatened investigation, claim, or proceeding. In such an event, Lender has the right, bur not,the obligation, to participate in any such proceeding including the right to receive copies of any documents~, relating to such proceedings. E. Except as previously disclom:~d and acknowledged in writing to Lender, Mortgagor and every tenant have been, are and will remain in full comfjiance with any applicable Environmental Law. F. Except as previously disclosed and acknowledged in writing to Lender, there are no underground storage tanks, private dumps or open wells~located on or under the Property and no such tank, dump or well will be added unless Lender first consents in writing. G. Mortgagor will regularly insFect the Property, monitor the activities and operations on the Property, and confirm that all permits, icenses or approvals required by any applicable Environmental Law are obtained and complied with. H. Mortgagor will permit, or csuse any tenant to permit, Lender or Lender's agent to enter and inspect the Property and review all records at any reasonable time to determine (1) the existence, location and nature of any Hazardous Substance on, under or about the Property; (2) the eXistence, location, nature, and magnitude of any Hazardous Substance that_ has been released on, under or about the Property; or (3) whether or not Mortgagor and any tenant are in compliance with applicable Environmental Law. I. Upon Lender's request and az any time, Mortgagor agrees, at Mortgagor's expense, to engage a qualified environmental engineer to prepa~'e an environmental audit of the Property and to submit the results of such audit to Lender. The choice of the~ environmental engineer who will perform such audit is subject to Lender's approval. J. Lender has the right, but not:the obligation, to perform any of Mortgagor's obligations under Zhis section at Mortgagor's expense. K. As a consequence of any l~reach of any representation, warranty or promise made in this section, (1) Mortgagor will indemnify and hold Lender and Lender's successors or assigns harmless from and against all losses, claims, demands, liabilities, damages, cleanup, response and remediation costs, penalties and expenses, including without limitation all costs 'of litigation and attorneys' fees, which Lender and Lender's successors or assigns may sustain; and (2) at Lender's discretion, Lender may release this Security Instrument and in return Mortgagor will provide Lender ~vith 'collateral of at leas~ equal value to the Property secured by'this Security Instrument without prejudice to ~ny of Lender's rights under this Security Instrument. L. Notwithstanding any of the anguage contained in this Security Instrument to the contrary, the terms of this section will survive any foreclosure or satisfaction of this Security Instrument regardless of any passage of title to Lender or any disposition by Lent'er of any or all of the Property. Any claims and defenses to the contrary are hereby waived. 16. CONDEMNATION. Mortgagor .will give Lender prompt notice of any pending or threatened actionby 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 tb intervene in Morlgagor's name in any of the above described actions or claims. Mortgagor assigns [o Lender the proceeds of any award or claim for damages connected with a condemnation or other taking of al'~, or any part of the Property. Such proceeds will 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, secur~ty agreement or other lien document. 17. INSURANCE. Mortgagor agrees to4keep the Property insured against the risks reasonably associated with the Property. Mortgagor will maintain this insurance in the amounts Lender requires. This insurance will last until the ROBERT R MEIKLE Wyoming Mortgage W YI4X Dore[ ta ~.ff~9043630 ! 0060204Y Initials ©1996 Oa~tems, Inc., St, Cloud, MN \ Property is released from this Security Instrument. What Lender requires pursuant to the preceding "~s~ntences can change during the term of th~ SeCured Debts. Mortgagor may choose the insurance company, s ject Lender's approval, which will not be unreasonab y withheld. All insurance policies and renewals, willi include a standard "mortgage clause" and, where applicable, "loss payee clause." If required by Lender, Mortga~jor agrees to maintain comprehensive general liability insurance and rental loss or business interruption insurance lin amounts and under policies acceptable to Lender. The comprehensive general liability insurance must na~Ue Lender as an additional insured. The rental loss or business interruption insurance must be in an amount equal t~, at least coverage of one year's debt service, and required escrow account deposits (if agreed to separately in writ ng) Mortgagor will give Lender and the' insL~rance company immediate notice of any loss. All insurance proceeds will be applied to restoration or repair c~'f the Property or to the Secured Debts, at Lender's option. If Lender acquires the Property in damaged condition, Mor~gagor's rights to any insurance policies and proceeds will pass to Lender to the extent of the Secured Debts. Mortgagor will immediately notify L~nde:'r of cancellation or termination of insurance. If Mortgagor fails to keep the Property insured Lender may obtai~ insurance to protect Lender's interest in the Property. This insurance may include coverages not originally rec:iuire~ of Mortgagor, may be written by a company other than one Mortgagor would choose, and may be written at'a higher rate than Mortgagor could obtain if Mortgagor purchased the insurance. 1~8. ESCROW FOR TAXES AND INSURANCE Mortgagor will not be required to pay to Lender funds for taxes and insurance in escrow. 19. CO-SIGNERS. If Mortgagor signs '::his Security Instrument but does not sign the Secured Debts, Mortgagor does so only to mortgage Mortgagor's interest in the Property to secure payment of the Secured Debts and Mortgagor does not agree to be personally liable on the Secured Debts. If this Security Instrument secures a guaranty be[ween Lender and Mor,tgag.,.~r, 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. 201 WAIVERS. Except to the extent pr~:~hibited by !aw Mortgagor waives all homestead exemption rights relating to the Property. 21. APPLICABLE LAW. This Security:Instrument is governed by the laws of Wyoming, except to the extent otherwise required by the laws of t~:e ju!i,isdiction where the Property is located, and the United States of America. 22. JOINT AND INDIVIDUAL LIABILITy AND SUCCESSORS. Each Mortgagor's obligations under this Security Instrument are independent of the olbliga!tions of any other Mortgagor. Lender may sue each Mortgagor individually or together with any other Mortgagor.. Lender may release any part of the Property and Mortgagor will still be obligated under this Security Ins[rdment for the remaining Property. The duties and benefits of this Security Instrument will bind and benefit the:successors and assigns of Lender and Mortgagor. 23. AMENDMENT, INTEGRATION /~ND SEVERABILITY. This Security Instrument may not be amended or modified· by oral agreement. No amendment, or modification of this Security Instrument is effective unless made in writing and executed by Mortgagor and Lender. This Security Instrument is the complete and final expression of the agreement. If any provision of this'Security Instrument is unenforceable, then the unenforceable provision will be severed and the remaining provisions will still be enforceable 24. INTERPRETATION. Whenever used:, the singular includes the plural and the plural includes the singular. The section headings are for convenience ori~ly and are not to be used to interpret or define the terms of this Security Instrument. 25. NOTICE, FINANCIAL REPORTS AND ADDITIONAL DOCUMENTS. Unless otherwise required by law, any notice will be given by delivering it or nlailing it by first class mail to the appropriate party's address listed in the DATE AND PARTIES section, or to any other address designated in writing. Notice to one party will be deemed to be notice to all Parties. Mortgagor. willi inform Lender in writing of any change in Mortgagor's name, address or other application information. Mortgagor will provide Lender any financial statements or information Lender requests. Ail financial statements arid information Mortgagor gives Lender will be correct and complete. 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 to confirm Lender's lien status on any Property. Ti~e is of the essence. SIGNATURES. By-signing, Mortgagor agrees to the terms and covenants contained in this Security Instrument. Mortgagor also acknowledges receipt of'a copy of this Security Instrument. ROBERT R MEIKLE Individually LENDER: ROBERT R MEIKLE \"-~ ~, ~ Wyoming Mol'tgage ' Initials WY/4XOofetlaOO725200004363OlO060204Y ©1996 Bankers Systems, Inc., St. Cloud, MN ~' Pag~ 5 : ACKNOWLEDGMENT. (Individual) This instrument was acl(nowledge(~ before me this/ ROBERT R MEIKLE ~ My commissior ex~ ires: (Nota~-l~) COUNTY OF ~J~[,~'~ STATJ~ CJF {{ LINCOLN ~ wyoMr,,,l(3 JJ (Lender Acknowledgment) This instrument was ack~/o/wledge~ before me this ,.~,,7~,_ day of~ Penny Jones as Real Estate Loan Officer'of First National Bank - West. My commission expires: otary Public) ~ ¢~ z/ by ROBERT R MEIKLE Wyoming Mortgage W Y 14X D or e~taO/~.25LR-2~'~04363010060204Y ©1996 Ba~ms, Inc., St, Cloud, MN '~ "?":!|~:, .