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FHHLC - POST CLOSING MAIL ROOM
000108
Oooe61
1555 W. WALNUT HILL LN. #200 MC 6712
IRVING TX, 75038
1315 SOUTH HIGHWAY 89, SUITE 101
JACKSON, WY 83001
RECEIVED 6/21/2006 at 3:22 PM
RECEIVING # 919538
BOOK: 624 PAGE: 61
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
Prepared By:
FIRST HORIZON HOME LOAN CORPORATION
[Space Ahove This Line For RcconJing Data]
FHA Case No,
State of Wyoming
MORTGAGE
591-0987043-703
0057940793
THIS MORTGAGE ("Security Instrument")
The Mortgagor is JAY A SPRECHER &
PAMELA S SPRECHER, HUSBAND & WIFE
is given on June 16th, 2006
RECEIVED 8/22/2006 at 9:58 AM
RECEIVING # 921558
BOOK: 631 PAGE: 108
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
("Borrower"), This Security Instrument is given to
FIRST HORIZON HOME LOAN CORPORATION
which is organized and existing under the laws of
whose address is 4000 Horizon Way,
, and
THE STATE OF KANSAS
IRVING, TX 75063
("Lender"), Borrower owes Lender the principal sum of
ONE HUNDRED SIXTY SIX THOUSAND SIX HUNDRED FORTY FIVE & 00/100
Do11ars(U,S,$ 166,645.00 ),
This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides
for monthly payments, with ù1e fuJl debt, if not paid earlier, due and payable on July 1st,
2036 ' This Security Instrument secures to Lender: (a) Ù1e repayment of ù1e debt evidenced by Ùle
Note, with interest, and a11 renewals, extensions and modifications of ù1e Note; (b) the payment of a11 other sums, wiù1
interest, advanced under paragraph 7 to protect ù1e security of ù1is Security Instrumel1t; and (c) ù1e perfomlance
NOTE:
This serves to correct that certain mortgage recorded June 21, 2006 in Book
624PR on page 61 to correct the acknowledgement.
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of Borrower's covenants and agreements under this Security Instrument and ùle Note, For ùlis puq)()se, Borrower does
hereby mortgage, grant and convey to ùle Lender WiÙl power of sale, the following described property located
in Lincoln County, Wyoming:
All that tract or parcel of land as shown on Schedule "A" attached
hereto which is incorporated herein and made a part hereof.
Parcel ID Number:
which has ùle address of
Afton
County: 12321819200096.00 City:
56 Twin Cliffs Road,
[City], Wyoming
83110
[Streel]
fZip Code] ("Property Address");
TOGETHER WITH all ùle improvements now or hereafter erected on the property, and all easements,
appurtenances and fixtures now or hereafter a part of ùle property, All replacements and additions shall also be covered
by this Security Instrument. All of fue foregoing is referred to in ùlis Security Instrument as the "Property,"
BORROWER COVENANTS that Borrower is lawfully seized of ùle estate hereby conveyed and has the right to
mortgage, grant and convey Ùle Property and Ùlat Ùle Property is unencumbered, except for encumbrances of record,
Borrower warrants and will defend generally the title to Ùle Property against all claims and demands, subject to any
encumbrances of record,
THIS SECURlTY INSTRUMENT combines unifoffil covenants for nation,,'ìl use and non-unifoffil covenants with
limited variations by jurisdiction to constitute a unHonll security instrument covering real property,
Borrower and Lender covenant and agree as follows:
UNIFORM COVENANTS.
1. Payment of Principal, Interest ane! Late Charge. Borrower shall pay when due ùle principal of, and interest
on, the debt evidenced by the Note and late charges due under ùle Note,
2. Monthly Payment of Taxes, Insurance and Other Charges. Borrower shall include in each monthly payment,
togeùler with ùle principal and interest as set forùl in ùle Note and any late charges, a sum fèJr (a) taxes and special
assessments levied or to be levied against the Property, (b) leasehold payments or ground rents on ùle Property, and (c)
premiums fè)r insurance required under paragraph 4, In any year in which the Lender must pay a mortgage insurance
premium to ùle Secretary of Housing and Urban Development ("Secretary"), or in any year in which such premium
would have been required if Lender still held the Security Instrument, each monùlly payment shall also include either: (i)
a sum for ùle annual mortgage insurance premium to be paid by Lender to the Secretary, or (ii) a monthly charge instead
of a mortgage insurance premium if ùlis Security Instrument is held by the Secretary, in a reasonable amount to be
detenllined by fue Secretary, Except for the monÙlly charge by the Secretary, Ùlese items are called "Escrow Items" and
ùle sums paid to Lender are called "Escrow Funds,"
Lender may, at any time, collect and hold cunounts for Escrow Items in an aggregate amount not to exceed the
maximum amount ùlat may be required for Borrower's escrow account under Ùle Real Estate Settlement Procedures Act
of 1974, 12 US e. Section 2601 et seq, and implementing regulations, 24 CFR Part 3500, as they may be ~UllencJec1
from time to time ("RESPA "), except Ùlat ùle cushion or reserve pemlitted by RESPA for unanticipated disbursement'
or disbursements before the Borrower's payments are available in ùle account may not be based on cunounts due for e
mortgage insurance premium,
0057940793
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If the amounts held by Lender for Escrow Items exceed the amounts pel1l1itted to be held by RESP A, Lender shall
account to Borrower for ù1e excess funds as required by RESPA, If Ù1e amounts of funds held by Lender at any time are
not sufficient to pay ùle Escrow Items when due, Lender may notify ùle Borrower and require Borrower t01l1ake up the
shortage as pennitted by RESPA,
The Escrow Funds are pledged as additional security for all sums secured by ùlis Security Instrument. Jf Borrower
tenders to Lender the full payment of all such sums, Borrower's account shall be credited with the balance remaining f(¡r
all installment items (a), (b), and (c) and any mortgage insurance premium installment that Lender has not become
obligated to pay to ùle Secretary, and Lender shall promptly refund any excess funds to Borrower Immediately prior to
a foreclosure sale of the Property or its acquisition by Lender, Borrower's account shall be credited with any balance
remaining for all installments for items (a), (b), and (c),
3. Application of Payments. All payments under paragraphs 1 and 2 shall be applied by Lender as follows:
First, to the mortgage insurance premium to be paid by Lender to the Secretary or to the momhly charge by the
Secretary instead of Ùle monù1ly mortgage insurance premium;
¡Second, to any taxes, special assessments, leasehold payments or ground rents, and tire, tlood and other hazard
insurance premiums, as required;
iThird, to interest due under Ùle Note;
1:---
!Fourù1, to amortization of Ù1e principal of the Note; and
iPifth, to late charges due under the Note.
'4. Fire, Flood and Other Hazard Insurance. Borrower shall insure all improvements on the Property, whether
now in existence or subsequently erected, against any hazards, casualties, and contingencies, including tire, for which
Lender requires insurance, This insurance shall be maintained in Ùle éU1lOunts and for the periods that Lender requires,
Borrower shall also insure all improvements on the Property, wheÙler now in existence or subsequently erected, against
loss by floods to the extent required by the Secretary, All insurance shall be carried WiÙl companies approved by Lender
The insurance policies and any renewals shall be held by Lender and shall include loss payable clauses in favor of, alld
in a I' o III 1 acceptable to, Lender
In the event of loss, Borrower shall give Lender immediate notice by mail. Lender may make proof of Joss if not
made promptly by Borrower. Each insurance company concerned is hereby authorized and directed to make payment for
such loss directly to Lender, instead of to Borrower and to Lender jointly, Al1 or any part of the insurance proceeds may
be applied by Lender, at its option, eiùler (a) to ùle reduction of ùle indebtedness under ùle Note and this Security
Instrument, tirst to any delinquent éUllounts applied in the order in paragraph 3, and then to prepayment of principal, or
(b) to Ùle restoration or repair of the damaged Property, Any application of the proceeds to the principal shall not extend
or postpone the due date of tlle monthly payments which are referred to in paragraph 2, or change the éUllount of such
payments, Any excess insurance proceeds over an éU110unt required to pay al1 outstanding indebtedness under the Note
and Ùlis Security Instrument shall be paid to Ùle entity legal1y entitled Ùlereto,
In Ùle event of foreclosure of ùlis Security Instrument or oÙler transfer of title to the Property that extinguishes the
indebtedness, all right, title and interest of Borrower in and to insurance policies in force shall pass to the purchaser.
5. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application;
Leaseholds. Borrower shal1 occupy, establish, and use Ùle Property as Borrower's principal residence within sixty days
after tile execution of Ùlis Security Instrument (or wit1lin sixty days of a later sale or transfer of the Property) and shall
continue to occupy the Property as Borrower's principal residence for at least one year ~Ifter the date of occupancy,
unless Lender detennines tI1at requirement will cause undue hardship for Borrower, or unless extenuating circumstances
exist which are beyond Borrower's control. Borrower shal1 notify Lender of any extenuating circumstances, Borrower
shall not commit waste or destroy, déUllage or substantially change Ùle Property or al10w ùle Property to deteriorate,
reasonable wear and tear excepted. Lender may inspect me Property if tile Property is vacant or abandoned or the loan is
in default. Lender may take reasonable action to protect and preserve such vacant or abandoned Property, Borrower shall
0057940793
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also be in default if Borrower, during Ù1e loan application process, gave materially Üllse or inaccurate in fOIl nation or
statements to Lender (or hliled to provide Lender with any material information) in connection with the loan evidenced
by Ùle Note, including, but not Jimited to, representations concerning Borrower's occupancy of the Property as a
principal residence, If tlJis Security Instrument is on a leasehold, Borrower shall comply with ù1e provisiQns of the ]ease,
If Bo~rower acquires fee title to ùle Property, ùle leasehold and fee title shall not be merged unless Lender agrees to the
merger in writing,
6. Condemnation. The proceeds of any award or claim for d,ul1ages, direct or consequential, in connection with
any cbndemnation or other taking of any part of ùle Property, or for conveyance in place of condemnation, are hereby
assigIied and shaH be paid to Lender to ù1e extent of ùle full amount of the indebtedness that remains unp,Úd under the
Note and ùlis Security Instrument. Lender shall apply such proceeds to the reduction of the indebtedness under the Note
and ùlis Security Instrument, first to any delinquent amounts appJied in ùle order provided in paragraph 3, and ùlen to
prepayment of principal. Any appJication of ùle proceeds to ù1e principal shall not extend or postpone the due date of the
monthly payments, which are referred to in paragraph 2, or change the amount of such payments, Any excess proceeds
over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to
ùle entity legally entitled ùlereto,
7. Charges to Borrower and Protection of Lender's Rights in the Property. Borrower shall pay all
governmental or municipal charges, fines and impositions Ùlat are not included in paragraph 2. Borrower shall pay ù1ese
obligations on time directly to the entity which is owed ùle payment. If failure to pay would adversely affect Lender's
interest in ùle Property, upon Lender's request Borrower shall promptly furnish to Lender receipts evidencing these
payments,
If Borrower fails to make these payments or ùle payments required by paragraph 2, or fails to perfoIln any other
covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly
affect Lender's rights in the Property (such as a proceeding in bankruptcy, for condemnation or to enforce laws or
regulations), ùlen Lender may do and pay whatever is necessary to protect the value of the Property and Lender's rights
in Ùle Property, including payment of taxes, hazard insurance and other items mentioned in paragraph 2,
Any amounts disbursed by Lender under this paragraph shall become an additional debt of Borrower and be
secure:d by ùlis Security Instrument. These amounts shall bear interest from the date of disbursement, at the Note rate,
and at ùle option of Lender, shall be immediately due and payable,
Borrower shall promptly discharge any Jien which has priority over this Security Instrument unless Borrower: (a)
agrees in writing to ùle payment of ùle obligation secured by the lien in a manner acceptable to Lender; (b) contests in
good faiùl ù1e lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion
operate to prevent ùle enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to
Lender subordinating the lien to ùlis Security Instrument. If Lender detennines that any part of ù1e Property is subject to
a lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying ùle lien,
Borrower shall satisfy the lien or take one or more of ùle actions set forÙl above withi n 10 days of Ùle gi ving of notice
8. Fees. Lender may collect fees and charges authorized by ù1e Secretary.
9. Grounds for Acceleration of Debt.
(a) Default. Lender may, except as limited by regulations issued by the Secretary, in Ùle case of payment
defaults, require immediate payment in full of all sums secured by this Security Instrument if
(i) Borrower defaults by failing to pay in full any monthly payment required by ù1is Security [nstrument
prior to or on the due date of ùle next monthly payment, or
(ii) Borrower defaults by failing, for a period of thirty days, to perf 01111 any Olher obligations contained in
ùlis Security Instrument.
(b) Sale 'Vithout Credit Approval. Lender shall, if pemlitted by applicable law (including Section 34I(d) of
the Garn-St. Genmin Depository Institutions Act of ]982, 12 USC.170]j-3(d» and with the prior approval of
the Secretary, require immediate payment in full of all sums secured by this Security Instrument if
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(i) All or part of the Property, or a beneficial interest in a trust owning all or part of the Property, is solei or
otherwise transferred (other than by devise or descent), and
(ii) The Property is not occupied by the purchaser or grantee as his or her principal residence, or the
purchaser or grantee does so occupy the Property but his or her credit has not been approved in accordance
with the requirements of Ùle Secretary,
(c) No Waiver. If circumstances occur that would pennit Lender to require immediate payment in full, but
Lender does not require such payments, Lender does not waive its rights with respect to subsequent events,
(d) Regulations of HUD Secretary. In many circumstances regulations issued by the Secretary will limit
Lender's rights, in the case of payment defaults, to require immediate payment in full anel t()reclose if not paid,
This Security Instrument does not authorize acceleration or foreclosure if not pennitted by regulations of the
Secretary,
(e) Mortgage Not Insured. Borrower agrees that if ùlis Security Instrument and the Note ,Ire not deteIlllined to
be eligible t()r insurance under the National Housing Act within 60 days from the elate hereof, Lender may, at
its option, require immediate payment in full of all sums secured by this Security Instrument A written
statement of any authorized agent of the Secretary dated subsequel1t to 60 days from the date hereof, declining
to insure this Security Instrument and Ùle Note. shall be deemed conclusive proof of such ineligibility,
Notwiùlstanding the tÜregoing, this option may not be exercised by Lender when the unavailability of
insurance is solely due to Lender's failure to remit a mortgage insurance premium to the Secretary
10. Reinstatement. Borrower has a right to be reinstated if Lender has required immediate payment in full because
of Borrower's failure to pay an ,U1lount due under the Note or this Security Instrument This right applies even after
foreclosure proceedings are instituted, To reinstate Ùle Security Instnllnent, Borrower shall tender in a lump sum all
,U1l0unts required to bring Borrower's account current including, to tile extent they are obligations of Borrower under
ùlis Security Instrument, tÜreclosure costs and reasonable and customary attorneys' fees and expenses properly
associated WiÙl the t()reclosure proceeding, Upon reinstatement by Borrower, this Security Instrument and tile
obligations Ùlat it secures sha1l remain in effect as if Lender had not required immediate payment in full, However,
Lender is not required to penl1it reinstatement if: (i) Lender has accepted reinstHtement after Ùle commencement of
foreclosure proceedings wiù1in two years immediately preceding ùle commencement of a current foreclosure
proceeding, (ii) reinstatement will preclude foreclosure on different grounds in the future, or (iii) reinstatement will
adversely affect Ùle priority of the lien created by this Security Instrument.
11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of Ùle time of payment or
moditication of amortization of Ùle sums secured by ùlis Security Instrument granted by Lender to any successor in
interest of Borrower sha1l not operate to release Ùle liability of Ùle original Borrower or Borrower's successor in interest.
Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for
payment or oùlerwise modify amortization of the sums secured by this Security Instrument by reason of any demand
made by Ùle original Borrower or Borrower's successors in interest, Any forbearance by Lender in exercising any right
or remedy shall not be a waiver of or preclude Ùle exercise of any right or remedy,
12. Successors and Assigns Bound; Joint and Several Liability; Co-Signers. The covenants and agreements of
this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the
provisions of paragraph 9(b), Borrower's covenants and agreements shall be joint and several. Any Borrower who
co-signs this Security Instrument but does not execute the Note: (a) is co-signing this Security Instrument only to
mortgage, grant and convey that Borrower's interest in tile Property under the terms of this Security Instrument; (b) is
not personally obligated to pay tile sums secured by this Security Instrument; and (c) agrees that Lender and any oÙJer
Borrower may agree to extend, modify, t()rbear or make any accommodations with regard to the terms of this Security
Instmment or ùle Note without that Borrower's consent.
0057940793
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13. Notices. Any notice to Borrower provided for in this Security Instrument shedl be given by delivering it or by,
mailing it by first class mail unless applicable law requires use of another method, The notice shall be directed to the
Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by
first class mail to Lender's address stated herein or any address Lender designates by notice to Borro\}'er. Any notice
provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as
provided in ùlis paragraph.
14. Governing Law; Severability. This Security Instrument shall be governed by Federal law and the law of the
jurisdiction in which the Property is located, In the event that any provision or clause of th;s Security lnstrull1ent or the
Note conf1icts with applicable law, such conflict shall not affect oÙler provisiom of this Security Instrull1el1t or the Note
which can be given effect without ùle conf1icting provision To this end the provisions of this Security Instrument and
Ùle Note are declared to be severable,
15. Borrower's Copy. Borrower shall be given one confolll1ed copy of the Note and of this Security Instrument.
16. Hazardous Substances. Borrower shall not cause or pellnit Ùle presence, use, disposal, storage, or release of
any Hazardous Substances on or in ùle Property, Borrower shall not do, nor allow anyone else to do, anything affecting
the Property Ùlat is in violation of any Environmental Law, The preceding two sentences shall not apply to ùle presence,
use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be
appropriate to nOnllal residential uses and to maintenance of the Property,
Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by
any governmental or regulatory agency or private pany involving the Property and any Hazardous Substance ¡¡¡-
Environmental Law of which Borrower has actual knowledge, If Borrower learns, or is notitìed by any governmelllal or
regulatory authority. that any removal or other remediation of any Hazardous Substances affecting the Property is
necessary, Borrower shall promptly take aJl necessary remedial actions in accordance with Environmelllal Law,
As used in this paragraph 16, "Hazardous Substances" are those substances defined as toxic or hazardous
substances by Environmental Law and the following substances: gasoline, kerosene, other tlaml1l,¡ble or toxic petroleum
products, toxic pesticides and herbicides, volati Ie sol vents, materials containing asbestos or fOllllaldehyde, and
radioactive materials, As used in this paragraph ] 6, "Environmental Law" means federal laws and laws of the
jurisdiction where ùle Property is located that relate to healùl, safety or environmental protection.
NONluNIFORlvI COVENANTS. Borrower and Lender further covenant and agree as follows
17, Assignment of Rents. Borrower unconditionally assigns and transfers to Lender all the rents and revenues of
the Property, Borrower authorizes Lender or Lender's agents to coJlect the rents ane! revenues ,md hereby directs each
tenant of the Property to pay ùle rents to Lender or Lender's agents, However, prior to Lender's notice to Borrower of
Borrower's breach of any covenant or agreement in the Security Instrument, Borrower shall collect and receive all relllS
and revenues of the Property as trustee for the benefit of Lender and Borrower. This assignment of rents constitutes an
absolute assignment and not an assignment for additional security only,
If Lender gives notice of breach to Borrower: (a) all rents received by Borrower shall be held by Borrower as
tmstee for benefit of Lender only, to be applied to the sums secured by ùle Security Instrument; (b) Lender shall be
entitled to coJlect and receive aJl of Ùle rents of tile Property; and (c) each tenant of tile Property shall pay all rents due
and unpaid to Lender or Lender's agent on Lender's written demand to Ùle temll1t,
Borrower has not executed any prior assignment of tile rents and has not and will not perform any act that would
prevent Lender from exercising its rights under ùlis paragraph 17,
Lender shall not be required to enter upon, take control of or maintain the Property before or after giving notice of
breach to Borrower. However, Lender or a judicially appoìnted receiver may do so at any time there is a breach, Any
application of rents shall not cure or waive any default or invalidate any other right or remedy of Lender. This
assignment of rents of the Property shall terminate when the debt secured by the Security fnstrument is paid in full.
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18. Foreclosure Procedure. If Lender requires immediate payment in full under paragraph 9, Lender m,1\'
invoke the power of sale and any other remedies permitted by applicable lall'. Lender shall be entil1~d to colle~t
all expenses incurred in pursuing the remedies provided in this paragraph 18, including, but not limited to,
reasonable attorneys' fees and costs of title evidence. ,
If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the
person in possession of the Property, if different, in nccordance lI'ith applicable law. Lender shall gh'e notice of'
the sale to Borrower in the manner provided in paragraph 13. Lender shall publish the notice of snle, and the
Property shall be sold in the manner prescribed by applicable lall'. Lender or its designee may purchase the
Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the
sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument;
and (c) any excess to the person or persons legally entitled to it.
It' the Lender's interest in this Security Instrument is held by the Secretary and the Secretary requires
immediate payment in full under Paragraph 9, the Secretary may invol<e the nonjudicial pOll'er of sale pro\'icled
in the Single Family Mortgage Foreclosure Act of 1994 ("Act") (12 USe. 3751 PI seq.) by requesting a
foreclosure commissioner designated under the Act to commence foreclosure and to sell the Property as provided
in the Act. Nothing in the preceding sentence shall deprive the Secretary of nny rights otherwise avnilable to a
Lender under this Paragraph 18 or applicable law.
19. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security
Instrument without charge to Borrower. Borrower shall pay any recordation costs,
20. "'/aivers. Borrower waives all rights of homestead exemption in Ùle Property and relinquishes all rights of
curtesy and dower in ùle Property,
21. Riders to this Security Instrument. If one or more riders are executec! by Borrower and recorded together
WiÙl this Security Instrument, the covenants of each such rider shall be incorporáted into and shall <Ul1enc! and
supplement ùle covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security
Instrument, [Check applicable box(es)],
D Condominium Rider
D Planned Unit Development Rider
D Growing Equity Rider
D Graduated Payment Rider
D Other ¡specify]
, '
0057940793
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BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Secmity Instrument and in ,lilY
rider(s) executed by Borrower and recorded with it.
Witnesses:
(Seal)
-Borrower
(Seal)
-Burrower
(Seal)
-BOITower
0057940793
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STATE OF WYOMING,
LINCOLN
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The foregoing instrument was acknowledged before me ùlis
by JAY A SPRECHER & PAMELA S SPRECHER
My Commission Expires: b' ¿;) 0 - ß()'() 7
JILl H. LARSON· NOTARY PUBUC
COUNTY OF STATE OF
UNCQlN WYOMING
MY COMMISSION EXPIRES JUNE 20, 2007
0057940793
C-4R(WY) (0509)
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Page 9 of 9
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0057940793
EXHIBIT "A"
A portion of Section 19, T32N R118W of the 6th P.M., Lincoln County, Wyoming more
particularly described as follows:
BEGINNING at a point on the North boundary line of the Northwest Quarter of the Northwest
Quarter of said Section 19, that is 924 feet West ofthe Northeast corner of said Northwest
Quarter of the Northwest Quarter; and, running thence West 8 rods along said north boundary
line;
Thence South 20 rods on a line parallel to the East boundary of said Northwest Quarter of the
Northwest Quarter;
Thence East 8 rods, on a line parallel to the north boundary of said Section 19, to a point 924
feet West of the East boundary of said Northwest Quarter of the Northwest Quarter;
Thence North 20 rods, more or less, on a line parallel to the East boundary line of said
Northwest Quarter of the Northwest Quarter to the POINT OF BEGINNING.
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