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THIS INSTRUMENT PREPARED BY;
Kendall Brown
RECEIVED 1/9/2007 at 3:41 PM
RECEIVING # 925932
BOOK: 645 PAGE: 777
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
RECORDED AT THE REQUEST OF
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Countrywide Home Loans, Inc.
7105 Corporate Drive, PTX A242
Piano, Texas 75024
LOAN NUMBER: 124860326 ASSESSOR PARCEL NUMBER:
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MODIFICATION AGREEMENT TO HOME EQUITY LINE OF CREDIT AGREEMENT AND
DffiCLOSURESTATEMENT
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This Modification Agreement (this "Modification") is made as of 11/16/2006, between EARL D JENKINS
(the "Borrower(s)") and Countrywide Home Loans, Inc.. ("Countrywide"), and amends and supplements
that certain Home Equity Line of Credit Agreement and Disclosure Statement, and that certain Mortgage
which states the property is vested in EARL D JENKINS and nLL JENKlNS,HUSBAND AND WIFE AS
TENANTS BY THE ENTIRETY, dated 1/23/2006 and recorded 2/1/2006, in Book Number 611, at Page
Number 204, as Document No, 915673, in the Official Records of the County of LINCOLN, State of
Wyoming (the "Security Instrument"), and covering the real property with a commonly known address as:
10840 STATE HIGHWAY 238, AFTON, WY 83110, and more specifically described as follows:
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SEE "EXHIBIT A" ATIACHED HERETO AND INCORPORATED HEREIN.
In consideration of the mutual promises and agreements of the parties hereto, together with other good and
valuable consideration, the receipt of which is hereby acknowledged, the parties agree as follows:
1. Amendment to Credit Limit: My credit limit under the Home Equity Line of Credit Agreement and
Disclosure Statement is modified to $50,000.00.
2. Amendment to Margin: The Margin used to determine my ANNUAL PERCENTAGE RATE is
modified to 2.250 percentage points.
3. Representation of Borrower(s): Borrower(s) represent(s) to Countrywide Home Loans, Inc. that:
a) Except for the Security Instrument and any prior liens identified in the Security Instrument,
there are no other liens, encumbrances or claims against the Property other than (i) real
property taxes that are paid current and not due or owing, (ii) easements, (iii) homeowners
association covenants, conditions and restrictions, and (iv) local government or municipal
assessments and development bonds;
b) There has been no increase, amendment or modification of any liens prior to the Security
Instrument other than those agreed to by Countrywide Home Loans, Inc. in writing;
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LOAN NUMBER 124860326
c) I arn/We are the only owner(s) of the Property: there are no other family members or non-
family members who own any interest in the Property. Additionally, Borrower(s) represent
that there are no changes in title or vesting since the origination of this loan on 1/23/2006. In
the event there are changes, Borrower(s) haslhave notified COWltrywide Home Loans, Inc. of
such changes prior to the completion of this modification;
d) There are no buildings, fences, overhangs, wall or other structures from other land coming
onto or encroaching on the Property. There are no buildings, fences, overhangs, walls or
other structures from the Property which are going onto or encroaching onto any other
properties or onto any easements running over or under the Property;
e) I/We have paid for all cost, expenses and other sums owed for any and all construction,
improvements, rehabilitation, remodeling, or other work done to, on, at, or in the Property
including for labor, material, and supplies (collectively, the "Construction"). Currently, there
is no Construction occurring. IIWe have not requested any further Construction, I/We will
not have any Construction done or allow any to be done prior to closing this Modification;
f) I/We understand that homestead property is in many cases protected from the claims of
creditors and exempt from sale at foreclosure and that by signing this contract, IIwe
voluntarily give up my/our right to the protection of the property with respect to claims based
upon this contract;
g) If Lender has not required my/our current income documentation, I/we certify that my/our
current income has not decreased since the time of my/our original Home Equity Line of
Credit Agreement and Disclosure Statement described above.
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000778
h) I/We certify that the representations set forth in this Modification agreement are true and
correct as of the date opposite my/our signature(s) and that Countrywide Home Loans, Inc.
has been notified of any necessary changes. Any intentional or negligent misrepresentation( s)
may result in my/our loan being in default, civil liability and/or criminal penalties.
4. Limited Effect:The parties agree that this Modification shall be construed narrowly and limited to the
items expressly modified herein. Except as expressly provided for by this Modification, all terms,
requirements and obligations of the Home Equity Line of Credit Agreement and Disclosure Statement
and the Security Instrument, and all rights of Countrywide Home Loans, Inc. under, remain in full
force and effect, unaltered by this Modification. Capitalized terms in this Modification have the same
meaning as in the Home Equity Line of Credit Agreement and Disclosure Statement.
5. Effective Date/Availability of Funds: If this Modification is completed, signed, notarized, and
received by Countrywide Home Loans, Inc. within ten (10) calendar days after the date first written
above, it will be effective ten (10) calendar days after the date first written above 11/26/2006. If not
received within that time, the Modification is null and void. In do not exercise my right under Federal
law to rescind this transaction, the increase in the amoWlt of funds available due to the modification of
my credit limit will be accessible after midnight of the third business day following the Effective Date,
unless that day is a Saturday, in which case, the funds will be available the next business day. For
purposes of this section, "business day" means all calendar days except Sundays and legal public
holidays specified in 5 U.S.C. 6103(a).
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MODAGRBTH 4804 08/1712005
0925932:
LOAN NUMBER 124860326 000'779
6. Agreement to Correct Misstated Documents, Provide Additional Documentation, or Fees:
Borrower(s) agrees as follows: If any document is lost, misplaced, misstated, inaccurately reflects the
true and correct tenns and conditions of the modification of the Loan, or is otherwise missing, upon
request of the Lender, Borrower(s) will comply with Lender's written or oral request to execute,
acknowledge, initial, and deliver to Lender any documentation Lender deems necessary to replace or
correct the lost, misplaced, misstated, inaccurate or otherwise missing document(s). Borrower(s)
agrees to deliver the documents within ten (10) days after receipt by Borrower(s) of a written or oral
request for such replacement. Borrower(s) also agrees that at any time, upon request by Lender,
including at the time of loan pay-off, Borrower(s) will supply additional amounts and/or pay to Lender
any additional sum previously disclosed to Borrower(s) as a cost or fee associated with the
modification of the Loan, which for whatever reason was not collected at the time this modification
was entered into ("Fees"). This agreement supplements any other similar agreement that was entered
into by Borrower(s),
7. Request by Lender: Any request under Paragraph 6 of this agreement may be made by the Lender,
(including assignees and persons acting on behalf of the Lender) or Settlement Agent, and shall be
prima facie evidence of the necessity for same. A written statement addressed to Borrower(s) at the
address indicated in the loan documentation shall be considered conclusive evidence of the necessity
for the Documents.
8. Failure to Deliver Documents can Constitute Default: Borrower(s) failure or refusal to comply with
the tenns of the correction request may constitute a default under the note and/or Deed of Trust, and
may give Lender the option of declaring all sums secured by the loan documents immediately due and
payable.
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MODAGRBTH 4804 0811712005
09-=»1:-°3' r;»
... ... ....J......v II.,
000780
LOAN NUMBER 124860326
IN WITNESS WHEREOF, this Modification has been duly executed by the parties hereto the day and year
first above written
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BORROWER(S)
300b
Date
Date
Witness
Witness
Signature of Witness
Signature of Witness
CO-OWNER(S)
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Date Date
Witness Witness
Signature of Witness Signature of Witness
Notary Acknowledgement for Borrower(s)/Owner(s)
~::o~? , beCo" me,
Date
personally appeared
Name(s) of Borrower(s)/Owner(s)
-.:x PersonalIy known to me
~ Proved to me on the basis of satisfactory evidence
to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that
he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s)
on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the
instrument.
WITNESS MY HAND AND OFFICIAL SEAL
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NANCY J. BROWN - NOTARY PUBLIC
. '..
COUNTY OF STATE OF
LINCOLN - . . ~m~ING
MY COMMISSION EXPIRES ~
Signature
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MODAGRBTH 4804 08/17/2005
092S93Z
EXHIBIT A 0007B1
SITUATED IN THE COUNTY OF LINCOLN AND STATE OF WYOMING:
BEGINNING AT A POINT ON THE NORTH BOUNDARY LINE OF SECTION
35, TOWNSHIP 32 NORTH, RANGE 119 WEST, 6TH PRINCIPAL
MERIDIAN, WYOMING THAT IS 20 RODS WEST OF THE NORTHEAST
CORNER OF THE NORTHWEST 1/4 NORTHEAST 1/4 OF SAID SECTION 35,
AND RUNNING THENCE EAST 155 FEET, ALONG SAID NORTH BOUNDARY
LINE, THENCE SOUTH 215 FEET, THENCE WEST 69 FEET, THENCE
SOUTH 119 FEET, THENCE WEST 86 FEET, THENCE NORTH 334 FEET,
MORE OR LESS TO THE POINT OF BEGINNING .
Permanent Parcel Number: 3219 351 00 33500
EARL D. JENKINS AND JILL JENKINS, HUSBAND AND WIFE, AS
TENANTS BY THE ENTIRETIES
10840 STATE HIGHWAY 238, AFTON WY 83110
Loan Reference Number 4482399/124860326
First American Order No: 10853296
Identifier: FIRST AMERICAN LENDERS ADVANTAGE
1/111111111111111111111111111111111111111111111111
F¡hsr AMERICAN TITLE INSURANCE
LENDERS ADVANTAGE
1100 SUPERIOR AVENUE, SUITE 200
CLEVELAND, OHIO 44114
ATTN: FACT