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HomeMy WebLinkAbout908799336071 00580 When recorded return to: Integrated Loan Services 600-R H John Rodes 81vd. BECK, JOLYNN Melbourne, FL 32934 RECEIVED 5/31/2005 at 1:49 PM RECEIVING # 908799 BOOK: 586 PAGE: 580 JEANNE WAGt __LINCOLN COUNTY CLERK, (EMMERER, WY State of Wyoming Space Above This Line For Recording Data MORTGAGE (With Future Advance Clause) DATE AND PARTIES. The date of this Mortgage (Security Instrument) is ..Ap..r[I..2..8,..2..0.9.5. ............................ and the parties, their addresses and tax identification numbers, if required, are as follows: MORTGAGOR: Jolynn Beck and Gregory W. Beck, wife and husband; whose address is PO BOX 756, AFTON, WY 83110 [] If checked, refer to the attached Addendum incorporated herein, for additional Mortgagors, their signatures and acknowledgments. LENDER: USAA FEDERAL SAVINGS BANK ("USAA FSB") 10750 McDERMOTT FREEWAY SAN ANTONIO, TX 78288-0558 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 following described property: See Exhibit A, which is attached to this Mortgage and made a part of this Mortgage as if fully set forth herein. The Real Property tax identification number is . The property is located in ................................ .L. i .q .c .q l .q .............................. at ................................................ (County) ...................... .3..3)...E..2. ~ p...A..V..E ............................................ .Afl..1..0. ~ ...................... Wyoming ....... .8.3..1..1.9 ........ (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, structures, fixtures, and replacements that may now, or at any time in the future, be part of the real estate described above (all referred to as "Property"). MAXIMUM OBLIGATION LIMIT. The total principal amount secured by this Security Instrument at any one time shall not exceed $ .2..5.,.0..0..0...0..0. ....................................... This limitation of amount does not include interest and other fees and charges validly made pursuant to this Security Instrument. Also, this limitation does not apply to advances made under the terms of this Security Instrument to protect Lender's security and to perform ,any of the covenants cont~iincd irt 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(ies) or other evidence of debt described below and all their extensions, renewals, modifications or substitutions. (When referencing the debts below it is suggested that you include items such as borrowers' names, note amounts, interest rates, maturity dates, etc.) That Note dated 04/28/2005 in the original principal amount of 025,000.00 executed by [Borrower(s):] JOLYNN BECK, GREGORY W. BECK to USAA FSB as Lender and having a Maturity Date of 05/07/2020. WYOMING - MORTGAGE (NOT FOR FNMA, FHLMC, FHA OR VA USEJ © 1994 Bankers Systems, inc., St. Cloud, MN Form USAAREMTG-WY 6/4/2002 (page I of 4) 090S7'39 ,. 00581 B. All future advances from Lender to Mortgagor. If more than one person signs this Security Instrument, each Mortgagor agrees that this Security Instrument will secure all future advances that are given to or incurred by any one or more Mortgagor, or any one or more Mortgagor and others. All future advances are secured by this Security Instrument even though all or part may not yet be advanced. All future advances are secured as if made on the date of this Security Instrument. Nothing in this Security Instrument shall constitute a commitment to make additional or future loans or advances in any amount. Any such commitment must be agreed to in a separate writing. C. All additional sums advanced and expenses incurred by Lender for insuring, preserving or otherwise protecting the Property and its value and any other sums advanced and expenses incurred by Lender under the terms of this Security Instrument. 5. PAYMENTS. Mortgagor agrees that all payments under the Secured Debt will be paid when due and in accordance with the terms of the Secured Debt and this Security Instrument. 6. PRIOR SECURITY INTERESTS. With regard to any other mortgage, deed of trust, security agreement or other lien document that created a prior security interest or encumbrance on the Property, Mortgagor agrees: A. To make all payments when due and to perform or comply with all covenants. B. To promptly deliver to Lender any notices that Mortgagor receives from the holder. C. Not to allow any modification or extension of, nor to request any future advances under any note or agreement secured by the lien document without Lender's prior written consent. 7. CLAIMS AGAINST TITLE. Mortgagor will pay all taxes, assessments, 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 who supply labor or materials to maintain or improve the Property. 8. DUE ON SALE OR ENCUMBRANCE. Lender may, at its option, declare the entire balance of the Secured Debt to be immediately due and payable upon the creation of, or contract for the creation of, any lien, encumbrance, transfer or sale of the Property. This right is subject to the restrictions imposed by federal law (12 C.F.R. 591), as applicable. This covenant shall run with the Property and shall remain in effect until the Secured Debt is paid in full and this Security Instrument is released. 9. PROPERTY CONDITION, ALTERATIONS AND INSPECTION. Mortgagor will keep the Property in good condition and make all repairs that are reasonably necessary. Mortgagor shall not commit or allow any waste, impairment, or deterioration of the Property. Mortgagor will keep the Property free of noxious weeds and grasses. Mortgagor agrees that the nature of the occupancy and use will not substantially change without Lender's prior written consent. Mortgagor will not permit any 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 damage to the Property. Lender or Lender's agents may, at Lender's option, enter the Property at any reasonable time for the purpose of inspecting the Property. Lender shall give Mortgagor notice at the time of or before an inspection specifying a reasonable purpose for the inspection. Any inspection of the Property shall 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 Mortgagor's name or pay any amount necessary for performance. Lender's right to perform for Mortgagor shall not create an obligation to perform, and Lender's failure to perform will not preclude Lender from exercising any of Lender'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 RENTS. Mortgagor irrevocably grants, bargains, conveys, mortgages and warrants to Lender as additional security all the right, title and interest in and to any and all existing or future leases, subleases, and any other written or verbal agreements for the use and occupancy of any portion of the Property, including any extensions, renewals, modifications or substitutions of such agreements (all referred to as "Leases") and rents, issues and profits (all referred to as "Rents"). Mortgagor will promptly provide Lender with true and correct copies of all existing and future Leases. Mortgagor may collect, receive, enjoy and use the Rents so long as Mortgagor is not in default under the terms of this Security Instrument. Mortgagor agrees that this assignment is immediately effective between the parties to this Security Instrument. Mortgagor agrees that this assignment is effective as to third parties when Lender takes affirmative action prescribed by law, and that this assignment will remain in effect during any redemption period until the Secured Debt is satisfied. Mortgagor agrees that Lender may take actual possession of the property without the necessity of commencing legal action and that actual possession is deemed to occur when Lender, or its agent, notifies Mortgagor of default and demands that any tenant pay all future Rents directly to Lender. On receiving notice of default, Mortgagor will endorse and deliver to Lender any payment of Rents in Mortgagor's possession and will receive any Rents in trust for Lender and will not commingle the Rents with any other funds. Any amounts collected will be applied as provided in this Security Instrument. Mortgagor warrants that no default exists under the Leases or any applicable landlord/tenant law. Mortgagor also agrees to maintain and require any tenant to comply with the terms of the Leases and applicable law. 12. LEASEHOLDS; CONDOMINIUMS; PLANNED UNIT DEVELOPMENTS. Mortgagor agrees to comply with the provisions of any lease if this Security Instrument is on a leasehold. If the Property includes a unit in a condominium or is part of a planned unit development ("PUD"), Mortgagor agrees to the following: (i) The Property includes not only the property described above, but also an undivided interest in certain common elements and facilities of the condominium or PUD, and any interest of the Mortgagor in the homeowners' association or other equivalent entity owning or managing the common areas and facilities and the uses, benefits and proceeds of that interest; (ii) Mortgagor will perform all of Mortgagor's duties under the covenants, by-laws, or regulations of the condominium or PUD; (iii) Mortgagor will take such actions as are reasonable to ensure that any homeowners' association or equivalent entity maintains a public liability insurance policy and a "master" or "blanket" policy on the Property providing insurance coverage against loss by fire, hazards included within the term "extended coverage," and any other hazards, including but not limited to, earthquakes and floods, from which Lender requires insurance that is acceptable in form, amount, and extent of coverage to Lender. 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 foreclosure actions. Subject to these limitations, if any, Lender may accelerate the Secured Debt and foreclose this Security Instrument in a manner provided by law if Mortgagor is in default. At the option of Lender, all or any part of the agreed fees and charges, accrued interest and principal shall become immediately due and payable, after giving notice if required by law, upon the occurrence of a default or anytime thereafter. In addition, Lender shall be entitled to all the remedies provided by law, the terms of the Secured Debt, this Security Instrument and any related documents including, without limitation, the power of sale. 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 (page 2 of 4) 994 Bankers Systems, Inc., St. Cloud, MN Form USAAREMTG-WY 614/2002 proce.edings are filed shall not constitu ....... · .... *' 0 0 5 8 2 continues or happens again. , ,. ,a waiver or Lender s light to requir,e complete cure of an exiStievent a de/ault if it 15. EXPENSES, ADVANCES ON COVENANTS; ATTORNEYS FEES; COLLECTION COSTS. ~EYexcept when prohibited by exercising a~.y remedy on Mortgagor s default, Lender does not waive Lender s right to later consi r the ng default: By.no.t 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 amount incurred by Lender for insuring, inspecting, preserving or otherwise protecting the Property and Lender's security interest. These expenses will bear interest from the date of the payment until paid in full at the highest interest rate in effect as provided in the terms of the Secured Debt. Mortgagor agrees to pay all costs and expenses incurred by Lender in collecting, enforcing or protecting Lender's rights and remedies under this Security Instrument. This amount may include, but is not limited to, reasonable attorneys' fees, court costs, and other legal expenses. This amount does not include attorneys' fees for a salaried employee of the Lender. This Security Instrument shall remain in effect until released. Mortgagor agrees to pay for any recordation cos '. . 16. ENVIRONMENTA T,~we ,,~,-~ ........... ts et such release. L ..... ,.t~,~ ri/'-z.q, RDt)U~5 SUBSTANCES. As used in this section, (1) Environmental Law means, without limitation, the Comprehensive Environmental Response, Compensation and Liability Act (CERCLA, 42 U.S.C. 9601 et seq.), and all other federal, state and local laws, regulations, ordinances, court orders, attorney general opinions or interpretive letters concerning the public health, safety, welfare, environment or a hazardous substance; and (2) Hazardous Substance means any toxic, radioactive or hazardous material, waste, pollutant or contaminant which has characteristics which render the substance dangerous or potentially dangerous ,,~ the public health, safety, welfare or environment. The term includes, without limitation, any substances defined as azardous material," "toxic substances, "hazardous waste" or "hazardous substance" under any Environmental Law. " Mortgagor represents, warrants and agrees that: ' A. Except as previously disclosed and acknowledged in writing to Lender, no Hazardous Substance is or will be located, stored or released on or in the Property. This restriction does not apply to small quantities of Hazardous Substances that are generally recognized to be appropriate tbr the normal use and maintenance of the Property. B. Except as previously disclosed and acknowledged in writing to Lender, Mortgagor and every tenant shall remain in full compliance with any applicable Environmental Law. have been, are, and C. Mortgagor shall immediately notify Lender if a release or threatened release of a Hazardous Substance occurs on, under or about the Property or there is a violation of any Environmental Law concerning the Properly. 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 or all of the Property through condemnation, eminent domain, or any other means. Mortgagor authorizes Lender to intervene in Mortgager's name in any of the above described actions or claims. Mortgagor assigns to Lender the proceeds of any award or claim for damages connected with a condemnation or other taking of all or any part of the Property. Such proceeds shall be considered payments and will assignment of proceeds is subject to the terms of any prior mortgage, deed of trust, security agreement or other lien document. be applied as provided in this Security Instrument. This 18. INSURANCE. Mortgagor shall keep Property insured against loss by fire, flood, theft and other hazards and risks reasonably associated with the Property due to its type and location. This insurance shall be maintained in the amounts and for the periods that Lender requires. What Lender requires pursuant to the preceding two sentences can change during the term of the Secured Debt. The insurance carrier providing the insurance shall be chosen by Mortgagor subject to Lender's a not .be unreasonably withheld. If Mortgagor fails to mai ' · · obtain coverage to protect Lender's ri ht ' . ntmn t.h.e coverage described above p?oval, w,h~ch s.hall g s m the Property according to the terms c~f thle e_ .'. Lender may, at Lender s o non All insurance policies and renewals shall be acceptable to Lender and shall include a standard "mortgage clause" and, where .......... ~ccunty Instrument. P ' applicable, "loss payee clause." Mortgagor shall immediately notify Lender of cancellation or termination of the insurance. 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 immediate notice to the insurance carrier and Lender· Lender may make proof of loss if not made immediately by Mortgagor. Unless otherwise agreed in writing, all insurance proceeds shall be applied to the restoration or repair of the Property or to the Secured Debt, whether or not then due, at Lender's option. Any application of proceeds to principal shall not extend or postpone the due date of the scheduled payment nor change the amount of any payment. Any excess will be paid to the Mortgagor. If the Property is acquired by Lender, Mortgager's right to any insurance policies and proceeds resulting from damage to the Property before the acquisition shall pass to Lender to the extent of the Secured Debt immediately before the acquisition. 19. ESCROW FOR TAXES AND INSURANCE. Unless otherwise provided in a separate agreement, Mortgagor will not be required to pay to Lender funds for taxes and insurance in escrow. 20. FINANCIAL REPORTS AND ADDITIONAL DOCUMENTS. Mortgagor will provide to Lender upon request, any financial statement or information Lender may deem reasonably necessary. Mortgagor agrees to sign, deliver, and file any additional documents or certifications that Lender may consider necessary to perfect, continue, and preserve Mortgager's obligations under this Security Instrument and Lender's lien status o 21. JOINT AND INDIVIDUAL LIAB LITV. F'th ~Tr,~r~r,,, n the Property Security Instrument are joint I .... , ~,-,-o~,,.,,~e,~.~; SUCCESSORS A}(/i) ASSIGNS BOUND. All duties under this and individual· If Mortgagor signs this Security Instru · Mortgagor does so only to ,mortgage Mortgager's interest in the Pro,,e'rt .... ~e~.n_t but does not ~s~gn an evidence of debt. Mortgagor does not agree to de personally liable on the Secured Debt I~i~i']e~-[:e.c-'.ur,e- ~paymen. t et the Secured Debt and Lender and Mortgagor, Mortgagor agrees to waive any rights that may prevent Lender from bringing any action or claim · ~o o,-,.umy instrument secures a guaranty between 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. Mortgagor agrees that Lender and any party to this Security Instrument may extend, modify or make any change in the terms of this Security Instrument or any evidence of debt without Mortgager's consent. Such a change will not release Mortgagor from the terms of this Security Instrument. The duties and benefits of this Security Instrument shall bind and benefit the successors and assigns of Mortgagor and Lender. 22. APPLICABLE LAW; SEVER-ABILITY; INTERPRETATION. This Security Instrument will be governed by applicable federal law and the law of the state of Texas without regard to its rules relating to the conflicts of laws, except for matters regarding the perfection and enforcement of the lien on real property, which will be governed by the law of the state where the Property is located. This Security Instrument is corn lete and ' . · . modified by oral agreement. Any section in this SecUrity In fulleYn~nt~e,g~r,.ahted_ Th~s Security Instrument ma not b . ., strum___., ..... nments, or an..,,,-- ....... , . .Y e amended or that conflicts with applicable law will not be effective, unless that law expressly or impliedly permits the variations by written .., ~&-,.,...u.tciit ~e~a[ea to the Secured Debt agreement. If any section of this Security Instrument cannot be enforced according to its terms, that section will be severed and will not affect the enforceability of the remainder of this Security Instrument. Whenever used, the singular shall include the plural and the plural the singular· The captions and headings of the sections of this Security Instrument are for convenience only and are not to be used to interpret or define the terms of this Security Instrument. Time is of the essence in this Security Instrument. 23. NOTICE. Unless otherwise required by law, any notice shall be given by delivering it or by mailing it by first class mail to the appropriate party's address on page 1 of this Security Instrument, or to any other address designated in writing. Notice to one mortgagor will be deemed to be notice to all mortgagors· 24. WAIVERS. Except to the extent prohibited by law, Mortgagor waives any right regarding the marshalling of liens and assets and all homestead exemption rights relating to the Property. 994 Bankers Systems, Inc., St. Cloud, MN Form USAAREMTG.WY 6/4/2002 fpage 3 of 4) 09087 00583 25. RIDERS. The covenants and agreements of each of the riders described below are incorporated into and supplement and amend the terms of this Security Instrument: 26. OTItlgR TERMS. If checked, the following are applicable to this Security Instrument: [] Line of Credit. The Secured Debt includes a revolving line of credit provision. Although the Secured Debt may be reduced to a zero balance, this Security Instrument will remain in effect until released. [] Construction Loan. This Security Instrument secures an obligation incurred for the construction of an improvement on the Property. [] Fixture Filing. Mortgagor grants to Lender a security interest in all goods that Mortgagor owns now or in the future and that are or will become fixtures related to the Property. This Security Instrument suffices as a financing statement and any carbon, photographic or other reproduction may be filed of record for purposes of Article 9 of the Uniform Commercial Code. [] Additional Terms. SIGNATURES: By signing below, Mortgagor agrees to the terms and covenants contained in this Security Instrument and in any attaclunents. Mortgagor also acknowledges receipt of a copy of this Security Instrument on the date stated on page 1. (Date) (Date) (Signature) (Signature) G R E G,0 RYff4. (Signature) 'iDate) ACKNOWLEDGMENT: L STATE OF ..W..Y..O...M!.N..G. .............................. COUNTY OF ......... .~,.q.9.(..vI ........................... } ss. o~via,~,) This instrument was acknowledged before me this ..... 0,..~' ...... day of ...~?.~.:.\..,..0,.~.9.~ .......................... by ~.O..L.Y..N..N...B.E..C..K. ......................... ;'~ ............................................................................................. My commission exEi~~ [' .,.--~ - - , flh ~ ......... ........ ......................... ss. ondivia,a,) This i~e me this ..... c~.~. .......... day of ..~.p.r.,.I .....&.q.O..-g. .......................... by .fi..B..E..fi.O..~.Y...W.....B..E.C..K. ............... '.3 .................................................................................................. M cormmssion expires_:_ ~O'~_ t4,~ oL.5, ok o-o [ ~,,-, n~ ~ Y ~ '' ct'~)co4~ .... ................... ........................... STATE O~", COUNTY OF ................................................. } ss. ond~v~dum This inst~s acknowledged belore me th~s .................... day of ........................................... by ........................... : ................................................................................................................ My commission expires: (Seal) (Notary Public) (Individual) STATE OF WYOM NG COUNTY OF ................................................. } ss. This instrument was acknowledged before me this .................... day of ..... : ............................................. by ............................................................................................................................................ My commission expires: (Seal) ............................................................................. (Notary Public) 994 Bankers Systems, Inc., St. Cloud, MN Form USAAREMTG-WY 6/4/2002 (page 4 of 4) 00584 SCHEDULE "A" THE FOLLOWING DESCRIBED REAL ESTATES, SITUATE IN LINCOLN COUNTY AND STATE OF WYOMING, HEREBY RELEASING AND WAIVING ALL RIGHTS UNDER AND BY VIRTUE OF THE HOMESTEAD EXEMPTION LAWS OF THE STATE, TO-WIT: BEGINNING AT A POINT 155.5 FEET EAST FROM THE SOUTHWEST CORNER OF LOT 3, BLOCK 2 OF THE AFTON TOWNSlTE, LINCOLN COUNTY, WYOMING, AND RUNNING THENCE WEST 78 FEET; THENCE NORTH 231 FEET; THENCE EAST 78 FEET; THENCE SOUTH 231 FEET TO THE PLACE OF BEGINNING. SUBJECT TO RESTRICTIONS, RESERVATIONS, EASEMENT, COVENANTS, OIL, GAS OR MINERAL RIGHTS OF RECORD, IF ANY. PARCEL: 32183020708100 RECE~/ED 5/31/2005 at 3:34 PM RECEIX/ING # 908812 BOOK: 586 pAGE: 646 jEANNE WAGNER LINCOLN COUNT'( CLERK, KEMME qER, WY WARRANTY DEED JASON W. SPAULDING AND SARA ANN SPAULDING, Husband and Wife~ grantors of Lincoln County, State of Wyoming, for consideration of Ten and 00/100's ($10.00) and other good and valuable consideration in hand, receipt whereof is hereby acknowledged CONVEY AND WARRANT TO DENNIS W. TESTER AND VICTORIA L. TESTER, Husband and Wife as Tenants by the Entireties, grantees, whose address is P.O. Box 4479, Bedford, WY 83112 the following described real estate, situate in Lincoln County and State of Wyoming, hereby releasing and waiving all rights under and by virtue of the homestead exemption laws of the state to wit: That part of Lot 3 of Block 4 of the Town of Afton, Lincoln County, Wyoming of record in the Office of the Clerk of Lincoln County, as Plat No. 101, it being the intent to more correctly describe the land described in the Warranty Deed. recorded July 6, 1995 in Book 370PR on page 494 and in Warranty Deed recorded June 20, 1997 in Book 398PR on page 525 in said office, described as follows: Beginning at a point which is N 01045'56'' E, 82.5 feet from the southwest comer of said Block 4 and running thence N 01045'56'' E, 82.5 feet; thence S 88014'04'' E, 74.25 feet, along the westerly boundary of the land described in Warranty Deed recorded in Book 147PR on page 444 in the Office of Lincoln County Clerk; thence S 01045'56'' W, 82.5 feet, along said westerly boundary; thence N 88°14'04'' W, 74.25 feet to the point of beginning. SUBJECT, however, to all reservations, restrictions, protective covenants, exceptions, easements and rights-of-way of record, in sight, or in use. WITNESS our hands this c~¢ day of [ c7'~5 ,2005. Sar~'Ann Spauldi~ State of Wyoming County of Lincoln The foregoing instrument was acknowledged before me by Jason W. Spaulding and Sara Ann Spaulding this c~z/Z' day of ~'*~z./_ 2005. Witness my hand and official seal. My Commission Expires: Notary Public