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HomeMy WebLinkAbout914071 412403 ("'"'01)91'-'1 -' ,) ~ ~ ( HEPWORTH. KAREN -.........-- _.._~.. Record and Return To: Integrated Loan Services 666-A N John Rodes Blvd. Melbourne, FL 32934 RECEIVED 11/30/2005 at 323 PM RECEIVING # 914071 BOOK: 606 PAGE: 297 JEANNE WAGNER LINCOLN COUf\JTY CLERK, KEMMERER, WY When recorded return to: ï~ï~Üf~íl~1 A' ---- ---- State of Wyoming Space Above This Line For Rceordil1g Data l\10RTGAGE (With Future Advance Clause) 1. DA TE AND PARTIES. The date of this Mortgage (Security Instrument) is .r;J,qY.E¡~!~E?r. :I:,..~qQ,~....................... and the parties, their addresses and tax identification numbers, if required, are as follows: MORTGAGOR: Karen J. Hepworth and Joshua M. Hepworth, wife and husband; whose address is PO BOX 997, AFTON, WY 83110 o 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 '. CONVEY ANCE. 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 salt:, the following described property: 2. , '; L. See Exhibit AI 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!1ç~I!1. . . . ... ... . . . . ... . . . . . . . . ,. . .. at ......,..................,...............,...... (Cuullty) ..............".... ..~?.'U!T.f:1. .f:..Y.~.~....................., ,.....,..........,... .~.U9N....................., Wyoming...... ,?~.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"). 3. MAXIMUM OBLIGATION LIl\HT. The total principal anlount secured by this Security Instrument at any aile time shall not exceed $ 4~\9~~·.9~...................................... . This limitation of amount does not include interest ,mc1 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 contained in this Security Instrument. 4. 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 sllggested that YOll i/lclude items such as borrowers' /lames, /late anIDI//lts, interest rates, matl/rity dates, etc.) That Note dated 11/04/2005 in the original principal amount of $40,000,00 executed by [Borrower(sl:] KAREN J. HEPWORTH, JOSHUA M. HEPWORTH to USAA FSB as Lender and having a Maturity Date of 11/14/2025. 1994 Bankers Systems. Inc., Sl. Cloud, MN Form USAAREr.,,1TG-VVY 6/4/2002 Ki1lt ~s./! II _L~ (pi1ge I of 4) WYOMING - MORTGAGE (NOT FOR FNMA, FHLMC. FHA OR VA USE) ------- ---_.,"- ,:11 'L.i)'Jtß, (Y71. ~"-.....:..~. ~ ;> n On 9 8 '.' ,J ::. 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 illl'llrred by any onc or rnore Mortgagor, or anyone or more Mortgagor and others. All future advances are secured by this Sl:curily Inslrun1L'nt even though all or part may not yet be advanced, All future advances are secured as if made on tIlL: date or this Security Inslrument. 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 ,.greed 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 S,'cured Debt will be paid when due and in accordance with the tenDS 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 moditication 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 Proptrty 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 dtfend title to the Property against any l'!airns that would impair the lien of this Security Instrument. Ivlortgagor agrees to assign to Lender, as requested by Lender, any rights, claims or del'enses Mortgagor may have against parties who supply labor or materials to maintain or improve the Property. 8. DUE ON SALE em ENCU1\ŒRANCE. Lender may, at its option, declare the entire balance of the Secured Debt to be immL'diately due and payable upon the creation of, or contract for the creation of, any lien, L'llcul1lbr<mce, 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 Securecl Debt is paid in full and this Security Instrument is released. 9. PROPERTY CONDITION, ALTERATIONS AND INSPECTION. Mortgagor will keep the Property in guod condition and make all repairs that are reasonably necessary. Mortgagor shall not commit or allow any waste, impairment, or deterioratiun of the Property. Mortgagur will keep the Property free of noxious weeds and grasses. tvlortgagor agrees that the nallln: of the occupancy and use will not substantially change without Lender's prior written consent. Mortgagor will not permit any change in any license, restrictivc covenant lIr tasement without Lender's prior written consent. Mortgagor will notify LL'Illler of all demands, proceedings, claims and actions against !\Iortgagor, and of any loss or damage to the Property. Lender or Lendtr's agents may, at Lender's option, enter the Pwperty at any reasonable time for []II: purpose of inspecting the Property. Lender shall give Mortgagor notice at the time of or before an inspection specifying a reasonable purpuse 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. 19. AUTHORITY TO PERFORM. If Mortgagor fails to pcrform any duty or any of the covcnants contained in this Security Instrument, Lender may, without notice, perform or cause thL'm to be performed, Mortgagor appoints Lendcr as attorney in fact to sign Mortgagor's name or pay any amount necessary for performance. Lender's right to perform for Mortgagur shall not create an obligation to perform, and Lender's failure to pl'rform will not preclude Lemler from exercising any of Lender's other rights under the law or this SL:l'llrity Inslrumtlll. 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 ill the Property, including completion of the construction. 11. ASSIGNMENT OF LEASES AND RENTS. Mortgagor irrevocably grants, bargains, conveys, mortgages :U1d warrants to Lender as additional security all thc right, tiLle anù interest in and to any iUld all existing or ruture leases, subleases, and any other written or vtrbal agreements for the use and occupancy of ,U1y portion of the Property, including any extensions, renewals, modifications or substitutions of such agreements (all referred to as "Leases") and rellts, issues and profits (all referred to as "Rents"). Mortgagor will promptly provide Lender with true and correct copies of all existing and future Leascs. Mortgagor may collect, receive, enjoy and use the Rents so long as Mortgagor is not in default ullder the ltnns of this Security Instrument. Mortgagor agrees that this assignment is immediately effective between the parties to this Security Instrnment. Mortgagor agrees that this assignment is effective as to third parties when Lender takes aftirmative action prescribed by law, and that this assignment will remain in effect during any redemption period until the Secured Debt is satisried. 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 Hents 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 c.:onuningle the Rents with any other funds. Any amounts c.:ollected 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. 1vfortgagor agrees to comply with the provisions of any lease if this Security Instrument is on a leasehold. If the Property inclucles 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 ¡he covenants, by-laws, or regulations of the condominium or PU D; (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 1100ds, from which Lendn 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 statt 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 :my, Lender may accelerate the Secured Debt and foreclosL' this Security Instrument in a manlier provided by law if Mortgagor is in default. At the option of Lender, all or any part of the agreed fees and charges, accnted interest and principal shall become immediately due and payabJe, 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 relattd 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 acœptanœ by Lender of any sum in payment or partial paymtnt on the Securnl Debt after the balance is clue or is accelerated or after fortclosure E.x{5iiì-eò @ 1994 Bankers Systems, Inc., St. Cloud, MN Fonn USAAREMTG-WY 6/4/2002 ~yj}i ,');/.uL (page 2 of 4) ------- -~- "'e~' .::\ i~ 071. "-3 <_'J ~ '">Í: d·' 1"1 d h 11 . " f' L d ' . I . I f . G 0]2 91 ~~ procee mgs are 1 e s a not constitute a waiver 0 en er s fig 1t to reqUIre comp ete cure 0 any eXIslll1g (<:Tau t, ~y not exercising any remedy on Mortgagor's default, Lender does not waive Lender's right to later consider the event a default if it continues or happens again. 15. EXPENSES; ADVANCES ON COVENANTS; ATTORNEYS' FEES; COLLECTION COSTS. Except when prohibited by law, Mortgagor agrees to pay all of Lender's expenses if Mortgagor breaches any covenant in this Security Instrument. Mortgagor will also pay on demand :U1y 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 tlJ 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 costs of such release. 16. ENVIRONl\ŒNTAL LA \VS AND HAZARDOUS 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 to the public health, safety, welfare or environment. The term includes, without limitation, any substances defined as "hazardous matcrial," "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 appropriatc for the normal use imd maintenance of the Property. B. Except as previously disclosed and acknowledged in writing to Lender, Mortgagor and every ll'nant have been, are, and shall remain in full compliance with any applicable Environmental Law. C. tv1ortgagor 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 Property. In such an event, Mortgagor shall take all necessary remedial action in accordance with any Environmental Law. D. Mortgagor shall immediately notify Lender in writing as soon as Mortgagor has reason to believe there is any pending or threatened investigation, claim, or proceeding relating to the release or threatened release of any Hazardous Substance or the violation of any Environmental Law. 17. CONDEMNATION. Mortgagor will give Lender prompt notice of any pending or threatened action, by private or public entities to purchase or take any or all of the Property through condemnation, eminent clomain, or any other means, Mortgagor authorizes Lender to intervene in Mortgagor's name in any of the above describcd actions or claims. Mortgagor assigns to Lender the procecds of any award or claim for damages connected with a condemnation or other taking of all or any pan or the Property. Such proceeds shall be considered payments and will be applied as provided in this Security Instmment. This assignment of proceeds is subject to the terms of any prior mortgage, deed of trust, security agreement or other lien document. 18. INSlJRANCE. Mortgagor shall keep Property insured against loss by fire, t1ood, 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 ror 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 approval, which shall not be unreasonably withheld. 1f Mortgagor fails to maintain the coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property according lO the terms of this Security Instrument. All insurance policies and renewals shall be acceptable to Lender and shall include a standard "mortgage clause" and, where applicable, "loss payee clause." Mortgagor shall immediately notify Lender of cancellation or 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 inm1ediate notice to the insurance carrier and Lencler. Lender may make proof of loss if not made inm1ediately 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, Mortgagor'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 lU~PORTS AND ADDITIONAL DOCLTl\fENTS. 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 !v10rtgagor's obligations under this Security Instrument and Lender's lien status on the Property. 21. JOINT AND INDIVIDUAL LIABILITY; CO-SIGNERS; SUCCESSOnS AND ASSIGNS BOU!\T}). All duties under this Security Instrument are joint and individual. If Mortgagor signs this Security Instrument but does not sign an evidence of debt, Mortgagor does so only to mortgage Mortgagor's interest in the Property to secure payment of the Secured Debt ,md !vIortgagor does not agree to be personally liable on the Secured Debt. 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. Thcse 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 lnstrument may extend, modify or make any change in the terms of this Security Instrument or any evidence of debt without Mortgagor'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; SEVERABILITY; INTERPRETATION. This Security Instrument will be governed by appJicable federal law and the law of the state of Texas without regard to its rules relating to the contlicts of laws, except for matters regarding the perrection 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 complete and fully integrated. This Security Instrument may not be amended or modified by oral agreement. Any section in this Security Instrument, attachments, or ,my agreement rdated to the Secured Debt that contlicts with applicable law will not be effective, unless that law expressly or impliedly permits the variations by written 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 [his 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 I 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. Systems, Inc,. SI. Cloud, MN Form USAAREMTG,WY tj~_ (/)/;{i/ J _=_LLL (page 3 of 4) ---._---- , " ·1 '" r~'-?':L : '--' ·,1 I I' ~ t. . , o ,-y ¿ ->1. '-J C00300 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 Instmment: ...................................................................................................................................................... ........................................................................................................................................................... 26. OTHER TERMS. If checked, the following are applicable to this Security Instrument: D 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 SecuriLY Instrument will remain in effect until released. D Construction Loan. This Securily Instrument secures an obligation incurred for the construction of ml improvement on the Properly. D Fixturc 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 relaLed to the Property. This Security Instrument suffices as a rinancing statement and any carbon, photographic or other reproduction may be filed of record for purposes of Article 9 of the Unirorm Commercial Code. D Additional Terms. ./ .; 1/ . ~( A;;4:íI4J:.!Z(¡¿j£~;~:'.. .1:0...... J /.J. f.e?!3 (~¡?~ture) KAÛ J. HEP¡vvORTH (Dal~) SIGNATURES: By signing below, Mortgagor agrees to the terms and covenants contained in this Security Instrument m1d in any attachments. Mortgagor also acknowledges receipt of a copy of this Security Instrument on the date stated on page 1. ./<;¿:~-/ /< / . ,/ //::-~::~/,/;¿___n_.__._______ ;J '/' ,'- . .~-.--;-;,::';:.c,:::;.?~:;'t"6?::.:'?~~~.::~~v.....".,. .'.Il. 7~(~:f?'> (fig;;a'Ure) JuSHUA M, HEPWORTH ' (Date) ............................................................................ ............................................................................ (Signature) (Date) (Signatur~) (Dale) ACKNOWL~~AG;E~~~0x9.fy)!~q..... .......,"',.........,.., COUNTY 2~ ..., ././i.!.(~ P.(~,:~:-<.... '....... ..:'..., ,} ,~s. "." /.' (Individual) This instrument was acknowledged before me this ...../1..::/...... day of .../\/.<.':{~<//l.!.~r:I:......J.;";.(..:«>...... by KAREN J, HEPvyORJH~'vN~.v....,,_.,..,',' .._,_"-,,_,, My' ~~I~~1·i~·s·i~~· ~;~:·rg,,~~;(¡~~;~lj.~,,¡j:~,-.~..,.,:,"(,·"i,(.·,;,;:r:¡;¡,~;'y:j.;:I.';",íi~','~':" ',',: '.~)""" ...... .j" .,... ";!', ."......, ,............................',..... . (S~al) Cour,ly of / ,,( ';"¡"', Stat" of ,':{' /7/' (' ,1 !i ,~J. /., ': -.1-/ 'u ' I lY,,:¡M,· w"'· ..,...,J..::'\"";I.L.<.J..,.c<../".I.,I..~'......."""......,......,............ 1)(;01\ \t;s,cj"" yOlnhlg .... '. (Nolary Public) My (;c>rnrnission Eq)ir8s April 4. ;!,'ÚÔ I"~ .;:::;:::~::-..::;.."':;;::.::.::;.::;::.:·;::.:<;.~·;,,:::c:-:::.::':::~:·.c;;:o.:~.;:.· ( . ' ' ¡' STATE OF Y\'):'9,ry) q~G............................:, COUNTY OF ../. ..tl.J..c. ?'.. /.t............ I............} ss. e- This instrument was acknowledged before me this .....N ///.. .. .... day of .. ../!)¡>:¿/¿ d.(¡,'? f. k:'. .. ...?.c. '1::.7... .. . .. ~y ~~~~:~~:i~;~' ·~~¡~t(:17·~~':;¡;:i.·ti'¿::~~~';~!·'i¿·~~1"······'" ,'~'..?':' ',' ',:" ./..: ·k' ..,.... .......... ......................... . (Seal) ( Y ~ ,; "''-' ( ,'1" (", / (" f,"!¿ ,1/ j I )_/ Countyot ~' ',,: ¡ .,~ Stdtd"f ........I"'¡.<.I-.....j...c...; h,..<'.'(.. "."....",...,................... LlIlcüln ,,<,,";(HJ VVYUj,,¡¡lg ,,(NOlal) PlIblIC) :S;ÿ - My ('010111115:,101.1::<[,11.·" AI'1114, L006 Sl'ATE OF WYOMING·_:·;::;::,;-'~~.:-,~ -- ----.-~:::-::-:_'c:;;--C- UNTY OF } . .".,........................................ ..".............................,..".,......... ss. This instrument was acknowledged before me this .................... day of ................................................... by ......................................,...........,...................'............".,...............,......................,....,..,.".. . My commission expires: (S~al) (Indil'idual) (Individual) ............................................................................. (Notory Public) (Individual) STATE OF Y\'X9.rÝ1!~q.............................. COUNTY OF .................................................} ss. This instillment was acknowledged before me this .................... day of ................................................... by ........'""........,..'..........................,..............'.'.................................,.......,.'........"................ . My commission expires: (Seal) ............................................................................. (Notary Public) Exf')Ëi?è. © 1994 Bankers Syslems. Inc., St. Cloud, MN Form USAAREMTG·WY 6/4/2002 (page: 4 of 4) '" ,', !j' 1'-" Âß :" " "",' !, '~ÎI· ./ ~ D.::::Y C,Co - \! f/ ..¡¡¡ SCHEDULE II A" ('Jì 0 "',) .3 0 1 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: PART OF LOT 1 OF BLOCI< 26 TO THE TOWN OF AFTON, LINCOLN COUNTY, WYOMING " BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT THE NORTHEAST CORNER OF SAID LOT 1 AND RUW'JING THENCE WEST 99 FEET; THENCE SOUTH 110 FEET; THENCE EAST 99 FEET; THENCE NORTH 110 FEET TO THE POINT OF BEGINNING, SUBJECT TO RESTRICTIONS, RESERVATIONS, EASEMENT, COVENANTS, OIL, GAS OR MINERAL RIGHTS OF RECORD, IF ANY. PARCEL: 32183040709800