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HomeMy WebLinkAbout900125 00125 RECEIVED LIf~IC0LN COUi',ITY 0LERK 0!~ ,J!.lt] I ;~ [:1"1 3:0 3 '- 7 0 8 ,Space Above This Line For Recording Data MORTGAGE (With Future Advance Clause) DATE AND PARTIES. The date of this Mortgage (Security Instrument) is June 11, 2004. The parties and their addresses are: MORTGAGOR: DWAYNE NEAL HAABY PO Box 11245 Jackson, Wyoming 83001 MARIA ANN HAABY PO Box 11245 Jackson, Wyoming 83001 LENDER: COMMUNITY FIRST NATIONAL BANK Organized and existing under the laws of the United States of America 160 West Pearl Jackson, Wyoming 83001 1. CONVEYANCE. For good and ~,~luable 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 war:rants to Lender, with the power of sale, the following described property: Lot 33 of Bridger View Ranches Sub Jivision, Lincoln County, Wyoming as described on the official plat thereof The property is located in Lincoln Co'~n, ty at, Thayne, Wyoming . Together with all rights; easements, appurtenances, royalties, mineral rights, oil and gas rights, crops, timber, all diversion payments or third party Fa'/ments made to crop producers and all existing and future improvements, structures, fixtures, and replacemeJ~ts that may now, or at any time in the future, be part of the real estate described (all referred to as Propertyi." This Security Instrument will remain in effect until the Secured Debts and all underlying agreements have been ter, rdnated in writing by Lender. 2. MAXIMUM OBLIGATION LIMIT. The total principa amount secured by this Security Instrument at any one time will not exceed ¢20,000.00. This limitation of amount does not include interest and other fees and charges validly Dwayne Neal Haaby Wyon~ing Mortgage WY/4XjschwanO0600000003657012060804Y ©1996 Bankers Systems, Inc., St. Cloud, MN ~" made pursuant to this Security Ins~rurhent. Also, this limitation does not apPly to advances made under the terms of this Security Instrument to prot6ct Lender's security and to perform any of the covenants contained in this Security Instrument. 3. SECURED DEBTS. This Security I.nstrument will secure the following Secured Debts: A. Specific Debts. The followilqg debts and all extensions, renewals, refinancings, modifications and replacements. A promissory note, No. 3888301110, dated June 11, 2004, from Mortgagor to Lender, with a loan amount of $20,000.00 with a,n interest rate based on the then current index value as the promissory note prescribes and maturing on Jun6, ! 1, 2006. One or more of the debts secured by this Security Instrument contains a future advance provisio-'n'.. B. Sums Advanced. All sums ~dCanced and expenses incurred by Lender under the terms of this Security Instrument. 4. PAYMENTS. Mortgagor agrees.that all payments under the Secured Debts Will be paid when due and in accordance with the terms of the Se~'ured Debts and this Security Instrument. 5. PRIOR SEC0RITY INTERESTS. With regard to any other mortgage, deed of trust, security agreement or other lien document that created a prior sect)rity 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 ~':n¢ notices that Mortgagor receives from the holder. C. Not to allow any modificatictn' or extension of, nor to request any future advances under any note or agreement secured by the lien d'o~:;Ument without Lender's prior written consent. 6. CLAIMS AGAINST TITLE. - Mortgagor will pay all taxes, assessments, liens, encum, brances~ lease payments, ground rents, u~tilities, and other cha[ges 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 Who supply labor or materials to maintain or improve the Property. 7. DUE ON SALE. Lender may, at ts. option, declare the entire balance of the Secured Debts to be immediately due and payable upon the creation oL or contract for the creation of, a transfer or sale of the Property. This right is subject to the restrictions imposed bY federal law governing the preemption of state due-on-sale laws, as applicable. , ~ . 8. WARRANTIES AND REPRESENT.&TIONS. Mortgagor has the right and authority to enter into this Security Instrument. The execution and delivery of this Security Instrument will not violate any agreement governing Mortgagor or to which Mortgagor is a !~arty. 9. PROPERTY coNDITION, ALTERATI:ONS AND INSPECTION. Mortgagor will keep the Property in good condition and make all repairs that are reason~:biy necessary. Mortgagor will not commit or allow any waste, impairment, or deterioration of the Property. Mort:_]egor will keep the Property free of noxious weeds and grasses. Mortgagor agrees that the nature of the occqPancy, and use will not substantially change without Lender's prior written consent. Mortgagor will not permitl,any change in any license, restrictive covenant or easement without Lender's prior written consent. Mortgagor vv:ll notify Lender of all demands, proceedings, claims, and actions against Mortgagor, and of any loss or damage to the Property. No portion of the Property will be removed, demolished or materially altered without Lender's prior written consent except that Mortgagor has the rightl, t"o remove items of personal property comprising a part of the Property that become worn or obsolete, provided.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 o( 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 l.e~qder'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 ~nspecti?n. Any inspection of the Property will be entirely for Lender's benefit and Mortgagor will in no way rely on Ler~.der'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 Dwayne Neal Haaby Wyoming Mortgage WY/4XjschwanOO6OOOOOO03657012060804Y ©1996 Bankers Systems, Inc., St. Cloud, MN F~.x'~----------~=~" Ini[ials~ · .'"',t+,:4,': ' ~,:,,: ;~:,; ,,., ; ';:,.~, :.:,~. ,:,. ~:. , ::;,-;::~t:t:'::.. ,.,!. ;.;,:,::;,,::: ,.. · .;, ,.. ;: .. .'' ' 4." ':. , .. 710 Lender as attorney in fact to sign Iv.lo(tgagor's name or pay any amount necessary for performance. Lender's right to perform for Mortgagor will not c~e~,te an obligation to perform, and Lender's failure to perform will not preclude Lender from exercising any of Lend.ar':s other rights under the law or this Security Instrument. If any construction on the Property is discontinued or .lo,t carried on ~n a reasonable manner, Lender may take all steps necessary to protect Lender's security interest in thi~ Property, including completion of the construction. 11. ASSIGNMENT OF LEASES AND RENTS.' Mortgagor assigns, grants, bargains, conveys, mortgages and warrants to Lender as additional ser.:urtty all the right, title and interest in the following (all referred to as Property). A. Existing or future leases, subleases, licenses, guaranties and any other written or verbal agreements for the use and occupancy of the Property, including any extensions, renewals, modifications or replacements (all re~ferred to as Leases). B. Rents, issues and profits (all rei[erred to as Rents), including but not limited to security deposits, minimum rent, percentage rent, additiona! rent, common area maintenance charges, parking charges, real estate taxes, other applicable taxes, insurance premium contributions, liquidated damages following default, cancellation premiums, "loss of rents" insuraqce, guest receipts, revenues, royalties, proceeds, bonuses, accounts, contract rights, general intangibles, and a~ll !:ights and claims which Assignor 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. In the event any item listed as Leas:es; 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 Lease."; [,nd any other information with respect to these Leases will be provided immediately after they are executed. Mortgagor may collect, receive, enjoy and use the Rents so long as MortgagOr is not in default. Mortga.oor 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 endorse and deliver any payments of Rents from the Property to Lender. Amounts collected will be applied at Lender's discretion to the Secured Debts, the costs of managing, protecting and preserving the Property, and other necessary expenses. Mortgagor a¢irees that this Security Instrument is immediately effective between Mortgagor and Lender. This Security Instru~!nent will remain effective during any statutory redemption period until the Secured Debts are satisfied. Unles.,;; dtherwise prohibited or prescribed by state law, Mortgagor agrees that Lender may take actual possession of the 'Property without the necessity of commencing any legal action or proceeding. Mortgagor agrees that actual posses.,' on of the Property is deemed to occur when Lender notifies Mortgagor of Mortgager's default and demands '.~hat Mortgagor and Mortgager's tenants pay all Rents due or to become due' directly to Lender. Immed ately af':er' Lender gives Mortgagor the notice of default, Mortgagor agrees that either Lender or Mortgagor may immediateiy notify the tenants and demand that all future Rents be paid directly to Lender. As long as this Assignment ~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 its sole cost and expense, will keep, observe and perform, and require all other parties to the Leases to com~l¥ with the Leases and any applicable law. If Mortgagor or any party to the Lease defaults or fails to observe ar~y cpplicable law, Mortgagor will promptly notify Lender. If Mortgagor neglects or refuses to enforce compliance ,Nith 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 covered, b!Y the Leases (unless the Leases so required) without Lender's consent. Mortgagor will not assign, compromi~se, subordinate or encumber the Leases and Rents without Lender's prior written consent. Lender does not assume or become liable for the Property's maintenance, depreciation, or other losses or damages when Lender ac':s to manage, protect or preserve the Property, except for losses and damages due to Lender's gross negligence or intentional torts. Otherwise, Mortgagor will indemnify Lender and hold Lender harmless for all liability, loss or damage that Lender may incur when Lender opts to exercise any of its remedies against any party obligated under th.e Leases. '·' 12. DEFAULT. Mortgagor will be in' default if any of the following occur: A. Payments. Mortgagor fails to'make a payment in full when due. B. Insolvency or Bankruptcy. ~,ny legal entity obligated on the Secured Debts makes an assignment for the benefit of creditors or become ir.~solvent, either because its liabilities exceed its assets or it is unable to pay its debts as they become due; or it pet tions for protection under federal, state or local bankruptcy, insolvency or debtor relief laws, or is the subject of a petition or action under such laws and fails to have the petition or action dismissed within a reason.!~ble period of time not to exceed 60 days. Dwayne Neal Haaby . j~/(~ ~., ~' Wyoming Mortgage Initials WY/4XjschwanO06000000036570 ] 2060804Y ©1996 Bankers Systems, Inc., St. Cloud, MN C. Death or Incompetency. Mortgagor dies or is declared legally ~ncompetent. :-l'-:.-'; ": '- D. Failure to Perform. Mortgagor-fails to perform any condition or to keep any promise or covenant of this Security Instrument. E. Other Documents. A default ocburs under the terms of any other transaction document. F. Other Agreements. Mortgagor is in default on any other debt or agreement Mortgagor has with Lender. G. Misrepresentation. Mortgagor! makes any verbal or written statement or provides any financial information that is untrue, inaccurate, or conc'ffals a material fact at the time it is made or provided. H. Judgment. Mortgagor fails to '.';'~tisfy or appeal any judgment against Mortgagor. I. Forfeiture. The Property is usee;in a manner or for a purpose that threatens confiscation by a legal authority. J. Name Change. Mortgagor cFanges Mortgagor's name or assumes an additional name without notifying Lender before making such a chan;ge. K. Property Transfer. Mortgagor.[transfers all or a substantial part of Mortgagor's money or property. This condition of default, as it relates .to 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 dec nos or is impaired. M. Insecurity. Lender reasonably ~ielieves that Lender is insecure. 13. REMEDIES. Lender may use an'/: ,and all remedies Lender has under state or federal 'law or in any instrument evidencing or perta n ng to the Secured Debts, including, without limitation, the power to sell the Property. Any amounts advanced on Mortgagor's Eehalf. will be immediately due and may be added to the balance owing under the Secured Debts. Lender maY make a claim for any and all insurance benefits or refunds that may be available on Mortgagor's default. ' Subject to any right to cure, require~l'time schedules or any other notice rights Mortgagor may have 'under federal and state law, Lender may make ..~'11 or any part of the amount owing by the terms of the Secured Debts immediately due and foreclose this. Security Instrument in a manner provided by law upon the occurrence of a default or anytime thereafter. .. Upon any sale of the Property, Lenc, er will make and deliver a special or limited warranty deed that conveys the property sold to the purchaser or pL,~:chasers. 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 Pro!;erty'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 set forth therein. All remedies are distinct, cumulative '~ind 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 Debts after the balar.ce 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 Lender's right to later consider the event a default if it continues or happens again. . 14. COLLECTION EXPENSES AND '.ATTORNEYS' FEES. On or after Default, to the extent permitted by law, Mortgagor agrees to pay all expenses of collection, enforcement or protection of Lender's rights and remedies under this Security Instrument. Mor':!gagor agrees to pay expenses for Lender to inspect and preserve the Property and for any recordation costs of rel{:asing the Property from this Security Instrument. Expenses include, but are not limited to, reasonable attorneys' ~.fees after default and referral to an attorney not a salaried employee of the Lender. These expenses are due ar'..d payable immediately. If not paid immediately, these expenses will bear interest from the date of payment urtil paid in full at the highest interest rate in effect as provided for in the terms of the Secured Debts. To the extent permitted by the United States Bankruptcy Code, Mortgagor agrees to pay the reasonable attorneys' fees Lender incurs to collect the Secured Debts as awarded by any court exercising jurisdiction under the Bankruptcy 15. ENVIRONMENTAL LAWS AND[,-IAZARDOUS SUBSTANCES. As used in this section, (1) Environmental Law means, without limitation, tl3e Comprehensive Environmental Response, Compensation and Liability Act (CERCLA), all other federal, state and local ~laws, regulations, ordinances, court orders, attorney general opinions or interpretive letters concerning the phblic health, safety, welfare, environment or a hazardous substance; and (2) Hazardous Substance means any to~<ic, radioactive or hazardous material, waste, pollutant or contaminant which has characteristics which render thai substance dangerous or potentially dangerous to the public health, safety, Dwayne Neal Haaby Wyoming Mortgage Initials WY14XjschwanOO600000OO3657012060804Y ©1996 Ban~s_~ms, Inc., St. Cloud, MN F~'j~" Page 4 welfare or environment. The term.includes, without limitation, ac~ substances defined as "hazardous mateda ," "toxic substance," "hazardous was';e," "hazardous substance," or "regulated substance" under any Environmental kaw. Mortgagor represents, warrants and agrees that: A. Except as previously disclosed and acknowledged in writing to Lender, no Hazardous Substance has been, is, or will be located, transported, rf~anufactured, treated, refined, or handled by any person on, under or about the Property, except in the ordinary' course o~ business and in strict compliance w~lh all applicable Environmental B. Except as previously disclosed and acknowledged in writing to Lender, Mortgagor has not and will not cause, . contribute to, or permit the relea ~ of any Hazardous Substance on the Property. C. Mortgagor will immediately ,notify Lender if (1) a release or threatened release of Hazardous Substance occurs on, under or about the Pro'perry or migrates or ~hreatens to migrate from nearby property; or (2) there is a violation of any Environmenta~ Law concerning the Property. In such an event, Mortgagor will take all necessary remedial action in' acc~rdance with Environmental Law. D. Except as previously disclosec~ and acknowledged in writing to Lender, Mortgagor has no knowledge of or reason to believe there is any p~.~nding or threatened investigation, claim, or proceeding of any kind relating to (1) any Hazardous Substance located on, under or about the Property; or (2) any violation by Mortgagor or any tenant of any Environmental LaW Mortgagor will immediately notify Lender in writing as soon as Mortgagor has reason to believe there is a?! such pending or threatened investigation, claim, or proceeding. In such an event, Lender has the right, but 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 disclose6 and acknowledged in writing to Lender, Mortgagor and every tenant have been, are and will remain in full dcmpliance with any applicable Environmental Law. F. Except as previously disclosec! 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, license~i.or approvals required by any applicable Environmental Law are obtained and complied with. H. Mortgagor will permit, or cause 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) th~ eXistence, location and nature of any Hazardous Substance on, upder or about the Property; (2) the existence, location, nature, and magnitude of any Hazardous Substance that'[~as been released on, under or about the Property; or (3) whether or not Mortgagor and any tenant are in,c~mp ance with applicable Environmental Law. I. Upon Lender's request and a': .any time, Mortgagor agrees, at Mortgagor's expense, to engage a qualified environmental engineer to prepar,.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 'tl'~e obligation, to perform any of Mortgag0r's obligations under this section at Mortgagor's expense. K] As a consequence of any Lreach of any representation, warranty or promise made in this section, (1) Mortgagor will indemnify and h~ld Lender and Lender's successors or assigns harmless from and against all losses, claims, demands, liabilitiesi, 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 L~nder's discretion, Lender may release this Security Instrument and in return Mortgagor will provide Lender v'ti;~h collateral of at least equa! value to the Property secured by this Security Instrument without prejudice to a~y of Lender's rights under this Security Instrument. L. Notwithstanding any of the language contained in this Security Instrument to the contrary, the terms of this section will survive any foreclosur:e or satisfaction of this Security Instrument regardless of any passage of title to Lender or any disposition by '_ender of any or all of 'the Property. Any claims and defenses to the contrary are hereby waived. 16. CONDEMNATION. Mortgagor ~i~ill give Lender PromPt notice of any pending or threatened action by private or public entities to purchase or take ;~r'~y or all of the Property through condemnation, eminent domain, or any other means. Mortgagor authorizes Lendec to intervene in Mortgagor's name in any of the above described actions or Dwayne Neal Haaby Wyoming Mortgage W Y/4XischwanOO6OOOOOOO3657012060804Y . Initials ©1996 Bankers. Systems, Inc., St. Cloud, MN ~" p claims Mortgagor assigns to Ler der 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 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, securi}',y agreement or other lien document. 17. INSURANCE. Mortgagor agree.~ to keep the Property insured against the risks reasonably associated with the Property. Mortgagor will maintain t-~ls insurance in the amounts Lender requires. This insurance will last until the Property is released from this Secur:!y Instrument. What Lender requires pursuant to the preceding sentences can change during the term of the: Secu~i,;d Debts. Mortgagor may choose the insurance company, subject to Lender's approval, which will not be unreasor ably withheld. All insurance policies and renewals ,Nill include a standard "mortgage clause" and, where applicable, "loss payee clause." If required by Lender, Mor-:gagor agrees to maintain comprehensive general liability insurance and rental loss or business interruption insurar~ce.in amounts and under policies acceptable to Lender. The comprehensive general liability insurance must nan-,e Lender as an additional insured. The rental loss or business interruption insurance must be in an amount equ'al to at least coverage of one year's debt service, and required escrow account deposits (if agreed to separately in ~:~}iting.) Mortgagor will give Lender and the nsurance company immediate notice of any loss. All insurance proceeds Will be applied to restoration or repair o::.. the Property or to the Secured Debts, at Lender's option. If Lender acquires the Property in damaged condition, f,~ortgagor's rights to any insurance policies and proceeds will pass to Lender to the extent of the Secured Debts. Mortgagor will immediately notify L~nder of cancellation or termination of insurance. If Mortgagor fails to keep the Property insured Lender may obtair, insurance to protect Lender's interest in the Property. This insurance may include coverages not originally req.]ired of Mortgagor, may be written by a company other than one Mortgagor would choose, and may be writte~ at a higher rate than Mortgagor could obtain if Mortgagor purchased the insurance. 18. ESCROW FOR TAXES AND INSURANCE. Mortgagor will not be required to payto Lender funds for taxes and insurance in escrow. ' 19. CO-SIGNERS. If Mortgagor si.~s this Security Instrument but does not sign the Secured Debts, Mortgagor does so only to mortgage Mortga.cor's interest in the Property to secure payment of the Secured Debts and Mortgagor does not agree to be Ptirsonally liable on the Secured Debts. 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 a?~ti-deficiency or one-action laws. 20. WAIVERS. ExcePt t'o the exter~'t prohibited by law, Mortgagor waives all homestead exemption rights relating to the Property. ~ 21. FIXTURE FILING. Mortgagor giv~_--.s to Lender a security interest in all goods that Mortgagor owns now or in the future and that are or will become fi:!~,tures related tothe Property 22. APPLICABLE LAW. This Secu?'ity Instrument s governed by the laws of Wyoming, except to the extent otherwise required by the laws of th~; jurisdiction where the Property is Iocatedl and the United States of America. 23. JOINT AND INDIVIDUAL LIABI..I.ITY AND SUCCESSORS. Each Mortgagor's obligations under this Security Instrument are independent of the ot!ligations of any other Mortgagor. Lender may sue each Mortgagor individually or together with any other Mortga[!Or. Lender may release any part of the Property and Mortgagor will still be obligated under this Security InstrL. ment for the remaining Property. The duties and benefits of this Security Instrument will bir~d and benefit the ;~uccessors and assigns of Lender and Mortgagor. 24. AMENDMENT, INTEGRATION AND SEVERABILITY. This Security Instrument may not be amended or modified by oral agreement. No amendmentior 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 '~!;ecur ty Instrument is unenforceable, then the unenforceable provision will be severed and the remaining provision.,; will still be enforceable. 25. INTERPRETATION. Whenever (ised, the singular includes the plural and the plural includes the singular. The section headings are for convenienc~i,',, only and are not to be used to interpret or define the terms of this Security Instrument. 'f Dwayne Neal Haaby Wyoming Mortgage I 't' I WY/4XjschwanO060000OOO36 § 7012060804Y 26. NOTICE, FINANCIAL REPORTS' AND ADDITIONAL DOCUMENTS. Unless otherwise required by law, any notice will be given by delivering it or mailing it by first class mail to the appropriate party's address listed in the DATE AND PARTIES section, or to a'ry other address designated in writing. Notice to one party will be deemed to be notice to all parties. Mortgagor will inform L~nder 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. All financial statements, and information Mortgagor gives' Lender will be correct and complete. Mortgagor agrees to sign, deliver, ~iid file any additional documents or certifications that Lender may consider necessary to perfect, continUe, and p(eserve Mortgagor's obligations under this Security Instrument and to confirm Lender's lien status on any Property: Time is of the essence. SIGNATURES. Ely signing, Mortgag'cr agrees to the terms and covenants contained in this Security Instrument. Mortgagor also acknowledges receipt of a copy of this Security Instrument. MORTGAGOR: Maria Ann He'by ACKNOWLEDGMENT. (Individual) ¢to ut ?._ coct r This instrument was acknowledged kefore me this J l~ Dwayne Neal Haaby, and Maria Ann'Haaby. My commission expkes: (Notary Publici by Dwayne Neal Haaby Wyoming Mortgage WY/4XjschwanOO600000003657012060804Y °1996 Bankers Systems, Inc., St. Cloud. MN ~'7~~ Initials