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HomeMy WebLinkAbout874296 - - ...~ C t:: 8' i' L_~ ""'1'E ();] BOOK ~~_._L"PR PAU ____,,, ....___ . -- - REef::. ~ 'O~I L1NCOU'J COUNTY CLERK o I JUt -:3 tt H II: I 8 J ,_., A ~d i\' r~ -', "', '\ I ,... fJ ':." I~l,il:_ l\bht. \ K~MN lNuJfJG~Sf1lmP 874296 ASSUMPTION AND MODIFICATION AGREEMENT AGREEMENT, made as of this J. ~ day of ~ ' 2001, between U. S. Bank Trust National Association, as Cu odranfTrustee, located and having its principal office at 180 East Fifth Street, St. Paul, Minnesota 55101, ("Lender"), and Roland C. and Linda L. Willis ("Assumptor"), whether one or more, WITNESSETH: WHEREAS, Lender is the holder of a note or bond ("NOTE") dated March 5, 1998, for Eight Hundred Eighty-two Thousand Dollars ($882,000.00), secured by a mortgage, deed of trust, or security deed ("MORTGAGE") of even date therewith on real property recorded in the office of the Recorder of the County of Lincoln, State of Wyoming, In Book 408, Page 549, executed by Marie P. Weston aka Marie Weston, Dale B. Weston and Pamela P. Weston (hereinafter "Mortgagor") to Central Bank, and assigned to U.S. Bank Trust National Association, as CustodianfTrustee fka First Trust National Association, as CustodianfTrustee by that certain Assignment of Mortgage and recorded in the office of the Recorder of the County of Lincoln, State of Wyoming, in Book 408, Page 560, upon which Note there is unpaid principal of $876,477.01 with interest on the interest bearing sum of $876,477.01 from /1 'if.- (1A~~ '-'L...t'.- ' ;;J eMj, at the rate of 8.29 per centum per annum; and whereas, the parties r~o are desirous of modifying the Note and Mortgage in the particulars hereinafter mentioned; NOW THEREFORE, in consideration of the premises and of the mutual promises herein contained, and of the sum of one dollar duly paid to Lender, it is hereby mutually covenanted and agreed that the terms of the Note and Mortgage be and the same are hereby modified as follows: 1. The Due-on Sale clause provision of the mortgage is hereby waived as to the transfer of the premises to said Assumptor but not as to any subsequent transfer. 2. Lender releases Mortgagor from any and all liability for the payment of the indebtness secured by said mortgage. 3. As a part of the consideration for this agreement and as a part of the same transaction, the Assumptor assumes and agrees to pay the indebtedness evidenced by that Promissory Note and to be bound and to perform all of the covenants of the Deed of Trust or Mortgage at the time and in the same manner provided. Initials \i1. c: tv /J /) Cl2f; r; I . '"""lr ~."'l, r ,'t@. -.-". :,.::W - - - 859 OS742::l6 4. The following paragraphs shall be added as new paragraphs to the Deed of Trust or Mortgage: CROSS DEFAULT. This Mortgage is given in connection with one (1) of three (3) loans which Lender has made contemporaneously to Borrower. (All of the loans are listed on Exhibit At and are referred to herein individually as a "Loan" and collectively as the "Loans.") Upon (a) the occurrence of a default under this Mortgage or any of the other documents or instruments relating hereto (the "Loan Documents"), or (b) the occurrence of a default under any mortgage or any of the other documents and instruments relating to any other Loan (collectively, the "Other Loan Documents"), then in any such event, Lender may declare all of the principal, interest and other sums which may be outstanding under the Note and with respect to the other Loans (collectively, the "Indebtedness") to be immediately due and payable without further demand, and Lender may exercise any and all rights and remedies provided in any of this Mortgage, the Loan Documents, or any Other Loan Document, whether or not Lender exercises its right to accelerate the Indebtedness secured by this Mortgage and the Loan Documents, or the Indebtedness secured to Lender by any of the Other Loan Documents. The Total Property (which shall be the "Property" as that term is defined herein, together with the "Property," as that term is defined in the Other Loan Documents) shall secure to Lender the payment of the Indebtedness and the performance of the covenants and agreements set forth in this Mortgage, the Loan Documents and the Other Loan Documents (collectively, the "Obligations"), all of which are secured to Lender by this Mortgage without apportionment or allocation of any part or portion of the Property and without apportionment or allocation of any part or portion of the Total Property. In addition to the rights and remedies provided to Lender elsewhere in this Mortgage, upon the breach of any covenant or agreement of this Mortgage, the Loan Documents or the Other Loan Documents, lender shall be allowed, to the greatest extent permitted by law, to enforce the payment of the Indebtedness and performance of the Obligations, and to exercise all of the rights, remedies and powers provided under this Mortgage or any of the Loan Documents, or the Other Loan Documents, or any of them, or under any provision of law, in one or more proceedings, whether contemporaneous, consecutive or both, to be determined by Lender in its sole and absolute discretion. Lender may enforce its rights against anyone or more parcels of the Total Property in such order and manner as Lender may elect in its sole and absolute discretion. The enforcement of this Mortgage. and of the Loan Documents. or any of the Other Loan Documents against anyone or more parcel of the Total Property, whether by court action, power of sale or otherwise, shall not constitute an election of remedies. and shall not prejudice or in any way limit or preclude the enforcement of this Mortgage, the Loan Documents, or the Other Loan Documents, or any of them, through one or more additional proceedings. No judgment obtained by Lender in anyone or more enforcement proceedings shall, merge the debt secured hereby into such judgment, and all of such debt which shall remain unpaid shall be a continuing obligation of Borrower, not merged into any such judgment. This Mortgage shall secure to Lender the repayment of any amount which Borrower may owe to Lender, including without limitation the amount of any judgment, together with any interest thereon, which may be rendered in connection with the enforcement of the Note secured hereby or the Loan Documents, or any of the Other Loan Documents. Borrower waives and 2 ~) , Initials O{. C. tv ( 7 "(/lA i ~ - - - Ilh'~~~ (11' J'>",SlemUI ,r; v E ueol Je4~O e4~ JO s~uewn::)Qa ueol e4~ JO Je4~0 Aue JO e6e6:tJ0V\J S!4~ JO Ue!1 e4~ JI 'JepuneJe4~ S~46p S,Jepuel JO ~uewe:JJoJue e4~ o~ e~!s!nbeJeJd e se e6e6:tJ01l\lIeU!6po e4~ JO UO!~:JnpoJd e4~ seJ!nbeJMelle:JOI ~e4~ ~ue~xe e4~ o~ ~de:Jxe 'elqeJ!sep JO AJeSsa::>au S! a6e6:tJoL^J S!4l jO UO!l::>npOJJU! JO J!sodap 'uo!pnpoJd eJe4M 'Iep!pnfuou JO lep!pnf Ja4la4M '6u!pee:JoJd Aue U! JO JoeJe4~ JOOJd 6U!)jBW U! pa:JnpOJJU! 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S6U!P88:>OJd le!::l!pnf 46noJ41 aJnSopaJOj UO!lBl!W!I ln041!M 6u!pnpu! '6u!paa:JoJd JO Uo!pe Aue 6upq Aew Japual 'Aluno:> JO alels JelnO!lJed Aue U! JO JapJO JO J8UUeW JelnO!ued Aue U! Sluawn:JOa ueol J8L110 8ljl JO 'sluawn:Joo ueOl 8L11 '86e6uoV\l S!41 J8pUn 8^e4 Aew JapU8l S8!p8WaJ JO SJ8MOd 'S~46p Aue 8SpJ8X8 JO a:JJoJu8 01 pa800Jd o~ Japuel SJ!nb8J o~ 'A~!nba JO Mel ~e JS4184M '8^e4 AeLU ~! S~46p lie pue Aue Sa4S!nbu!laJ 098 ~)G?:llt~Rf) ...... - - - (., f." '-"j /' '-)'" .:U::' ),:1 t "-i:A..t~.JU 861 Documents is invalid or unenforceable as to any parcel of the Total Property, the unsecured or partially secured portion of the Indebtedness secured by this Mortgage, any other of the Loan Documents or any Other Loan Document shall be completely paid prior to the payment of the remaining secured or partially secured portions of such Indebtedness. 5. All of the provisions of the Note and Mortgage shall remain in full force and effect except as herein specifically modified and this agreement is made upon the express condition that the Assumptor is vested with the fee simple title to the premises covered by the Mortgage. And the said Assumptor in consideration of the granting of this modification further covenants and agrees to pay and comply with the terms and conditions of the Note and Mortgage as herein modified, and nothing herein contained shall invalidate any of the security now held for the payment of said debt. This agreement shall bind the parties, their heirs, legal representatives, successors and assigns. IN WITNESS WHEREOF, the parties hereto have caused this agreement to be duly executed as of the day and year first above written. PRESENT BENEFICIARY: U.S. BANK TRUST NATIONAL ASSOCIATION flk/a FIRST TRUST NATIONAL ASSOCIATION as Custodianrrrustee BY: Lend Lease Agri-Business, Inc. Not personally, but as Attorney-In-Fact ~ ~Jb_Q ~78'A BY: G. Michael Smith. Sr. Vice President ,.. G1l1-td~ t:_ w.dL Roland C. Willis, Assumptor y '~~~/~1~'L~/ (J~ll" Linda L. Willis, Assumptor 4 If) O' Initials (X.C. tv .-;1"f {d. ~ - - - gj~TX ' --' f:";; - " o 'Y'LO SIB!l!UI s :I!lqnd AJBlON 'er7r7'e ~ "(tfwfu, :seJ!dxe UO!SS!WWO:l AV\I '~.:"-'I!'p...~.~~~#~~:t.~"'''''''~...;i.'''l 'j' "''''''''''7o/;;l.1e SeJldX3 UO!SS!WWOO ~w I' . f.lNlrfOAN\ Nlo;mn jO 31111S ~A1.NnO:l ?!.~-~~~~~~" s) ! ,,- Qt..e ue Aep aLll a:J!jJo JO leas pue pueLl AW Japun N3AI9 I _ ! 'LllJOJ las U!aJaLll sasodJnd pue sasn 8Lll JOJ 'peep pUB pB AJBlUnIO^ pUB 88JJ J!aLll SB eWBs aLll paln:laxa A8LlllBLll ew Ol pel5pelMOU>lOB pUB 'lUeWnJlSU! 6u!o6aJoJ aljl Ol saWBU J!aljl paqp:lsqns OLlM SUOSJ8d IBO!W8P! e4l 8q Ol.rrU>I aw Ol 's!II!M '1 epu!l pue S!II!M .~ puelo~ paJeadde AlleUosJad '~OOl ' /Q"WYl JO Aep 'tt-S c-r S!4l uo 'alBlS pUB Alun08 P!BS JOJ pUB U! 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OLlM (uO!le!:lOSSV leUO!lBN lSnJllSJ!.:I el>t/J) 'UO!le!:lOSSV ISUOlleN lSnJl >IUBa 's'n JOJ lOB.:I-U!-A8UJOlW se 'UO!leJodJo:J aJBMelao e ":JUI 'sseulsna-pfht eseel puel JO 'lUep!seJd 8:J!^ 'JS 'H1IV\lS 13VH::>IV\I '8 paJeedde AlleUOsJed 'P!eseJoJe SlBlS pue Aluno::> a4l JOJ pue U! o!lqnd AJelON B 'aw SJOJsq '~om: ' --a u r:..c JO ASp Lff. '6' S!4l uo lB4l 'a3~381N311\13~ 11 38 l :SS ( ( SlnOl '.is .:10 A1Nn08 l}jnOSSIV\I .:10 31V1S 7,98 C~l"......,t !J ("')0 ' )I '1:." 4":" .., f,.. C-Y . ~ - - - . utr6j4~~){; a63 EXIllBIT A 1. Loan No. 398120, described as follows: Note dated March 5, 1998, for Eight Hundred Eighty-two Thousand Dollars ($882,000.00), secured by a mortgage ("Mortgage") of even date therewith on real property, recorded in the office of the Recorder of the County of Lincoln, State of Wyoming, in Book 408, Page 549, executed by Marie P. Weston aka Marie Weston, Dale B. Weston and Pamela P. Weston to Central Bank, and assigned to U.S. Bank Trust National Association, as Custodian/Trustee fka First Trust National Association, as Custodian/Trustee, by that certain Assignment of Mortgage and recorded in the office of the Recorder of the County of Lincoln, State of Wyoming, in Book 408, Page 560; 2. Loan NO. 398434, described as follows: Note dated September 10, 1998, for Nine Hundred Thousand Dollars ($900,000.00), secured by a mortgage ("Mortgage") of even date therewith on real property, recorded in the office of the Recorder of the County of Lincoln, State of Wyoming, in Book 419, Page 725, executed by Roland C. Willis and Linda 1. Willis to Central Bank, and assigned to U.S. Bank Trust National Association, as Custodian/Trustee, by that certain Assignment of Mortgage and recorded in the office of the Recorder of the County of Lincoln, Statc of Wyoming, in Dook 419, Page 736; 3. Loan No. 20101118, described as follows: Note dated May 21, 2001, for Five Hundred Seventy-five.Thdusap.d Dollars ($575,000.00), secured by a Deed of Trust ("Deed") of even date therewith on real property recorded in the office of the Recorder of the County o.f-Itlch, State of Utah, in Book Y 8 ,Page 040 , executed by Roland C. Willis and Linda 1. Willis to Central Bank, and assigned to U.S. Bank Trust National Association, as Custodian/Trustee, by that certain Assignment of Deed of Trust, and recorded in the office of the Recorder of the County of Rich, State of Utah, in Book~, Page 061 cR, C, vJ C7--::/[I./ ~ - f198 '.,L."/~ ['1 (r -/'" r:>7 ';J 'dJ - - /1;)\11111110;) ""!ld!J;>~iln II:1ITI a22j 96'61LI JO aJlIUI~!I1 U 'M ..91.lIuOO S aJllal1l :1;>;lJ 89'1l1'9t. JO aJul:!S!I) I: 'M. .1'~,~~.68 S ~II:UII :I:I:lj ~8'fOCI JO 3JllulS!lll! 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L5 .It lAl'IOS ' .:l8A1V ~lIaB jlO pllanp rU1U80 aQl '0 ,%8pUllaut '8 uo B:)UB'ln J8MO"[) .TBATV naB l(Ol~ l{brio:np tauuwqo 8q:) ;0 .Ta1U80 8tJ:1 uJ 81'8~lB lU'!=od VOl. 8UlVqo- ZoogS lB'Sa 8~uelJl IBUlvqo Zz06E 1n:;r .OS a9L_ Qlnos B~V8q 5t uOl1089 Pl'SB 10 .Tauxoo 19'88 -tRnoS 8lA ;lOU:illJ}ol 1UO.:l;' UOBuqo~ 8::1I;liil:2:*'1I'1 }O sbUIPtoq iiI'A '0 Lnpunoq tQ8lh:;r 8\fl uo ~u'fod II lV bUJUUJbae :ll}ol-~ "MOtTO} S12 '6061 'It qO%lW 10 Ulvp .T~pun se~v~s pe~1un 8~ ;0 801110 pW'I l'UGu;)f) *'n Aq 8p'SIU 1vyd 8tr.l u1 o~ paue}8X spunoq pw 88':J8W Aq .:rvTt'l:)Hnd uT paqno -V'ltp f hu~ · .qanoo UTooU'M u1 UlJ1PT:t&H TlIdli:JU1Xd "lIH _GQl }O :l8aM on ahuq '\AXON ZZ dlqsUNJ~ ;f0 EZ puv ZZ '51 'tt .U01~oeS Ul ~1vnlTs pUWT ~o taoxwd v (' 'l:!WlIVd G90 "" (.) ~'}"f"""'Yt ' c- 0 ..)'I[ll...... .'~d. ~ - - - lH~j'6h12~jG 86'1 Legal Description Township 21 North. Range 119 West. 6th P.M. Section 7: W1/2S1/2.of Lot 7, W1/2N1I2 of Lot 8 Township 22 North. Ranoe 119 West. 6th P.M. Section 7: Lot 32 Section 8: Lots 1, 7, 9,12,13,14,15,16,17,20 (or NE1/4SW114), 21,22,23,24 and 25, and NW1/4SW1/4 Section 9: Lots 7,9,16,17,18 and 19 Section 18: Lots 5, 6, 17 and 20 excepting therefrom: a parcel of land situated within the boundaries of the public survey of Lot 21, 22, NW1 14SW1 14, Lot 20 and Lot 9, of Section 8, Township 22N, Range 119 West of the Sixth Principal Meridian; said parcel of land forming the right of way of Wyoming State Highway No. 30 through the aforesaid subdivisions of the Public Survey, said parcel of land being shown, in general, upon the plat of the survey of said highway,_ by the ~y'omi~gRt~te Highway Commission and designated (, thereby as being F.A. P. no. 193-D, said plat of said survey being part of the official record of the County Clerk of Lincoln County, Wyoming, and said parcel of land being shown in particular upon said plats of said survey as follows: Beginning at a point situated approximately 80.0 feet West of the Southeast Corner of said Lot 21 of said Section, Township, and Range, said point being identical with the intersection of the Southerly boundary line of said Lot 21 and the center line of the roadway of said highway, thence North 10 degrees 58 minutes East 2715.0 feet to the intersection of said center line with the South boundary line of Tract 46 of said Township and Range, said center line being situate 100.0 feet from. and parallel to, the longitudinal boundaries of said parcel of land. Township 22 North. 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I,. ~ \. ~ - - - ~l"CJll.r'" (J~r7 ~f:"';,:JU 369 chains, thence North 80 degrees 02 minutes East 9.24 chains, thence South 79 degrees 11 minutes East 3.77 chains, thence North 21 degrees 15 minutes East 5.79 chains, thence North 31 degrees 28 minutes East 7.86 chains, thence North 15 degrees 25 minutes East 3.01 chains, thence North 16 degrees 06 minutes West 14.78 chains, thence North 71 degrees 50 minutes West 13.16 chains, thence North 1 0 degrees 29 minutes East 2.03 chains, thence North 34 degrees 37 minutes West 9.68 chains, thence North 34 degrees 19 minutes East 7.63 chains, thence North 82 degrees 36 minutes East 7.76 chains, thence North 27 degrees 39 minutes East 4.73 chains, thence North 40 degrees 29 minutes West 5.39 chains, thence North 00 degrees, 02 minutes West 6.89 chains, thence North 31 degrees 24 minutes West, 6.91 chains, thence North 80 degrees 24 minutes East 7.20 chains, thence South 78 degrees 14 minutes East 4.90 chains, thence North 28 degrees 43 minutes East 8.32 chains, thence North 18 degrees 57 minutes East 7.08 chains, thence North 06 degrees 53 minutes West 5.84 chains, thence North 14 degrees 25 minutes West 3.61 chains, thence North 33 degrees 11 minutes East 6.21 chains, thence North 45 degrees 00 minutes East 4.67 chains, thence North 47 degrees 01 minutes East 12.03 chains, thence North 27 degrees 13 minutes East 3.94 chains, thence North 26 degrees 06 minutes West 5.46 chains, thence North 36 degrees 18 minutes West 6.08 chains, thence North 62 degrees 33 minutes East 8.11 chains, to the end of said meander, the intent being to deed to the center of said channel as measured midway b~een the banks of Bear River from the top of the bank escarpments at normal ground levels, thence East 52.52 chains along the South boundary of the holdings of Leo Telford, . thence South 02 degrees 14 minutes West 125.74 chains along the Western boundary of the holdings of John Dayton, to a point on the South boundary of Tract 44, thence West 14.98 chains to the point of beginning (Except the following: a tract of land situated in Lot 15 of Section 24, in Township 22 North, Range 120 West of the 6th P.M., L,incoln County, Wyoming, which is a part of Tract 44 in Township and Range aforesaid, the boundaries of which are described as follows: Beginning at a point 1810 feet North and 1077 feet East, more or less, from the Southwest corner of said Section 24, thence North 14 degrees 41 minutes East 100 feet, thence North 75 degrees 19 minutes West 100 feet, thence South 14 degrees 41 minutes West Q. 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J'O 8. .., '] I .) 6, Buyers hereby agree that Banks shall take a security interest in all shares in the Beckwith Quinn Canal Co. and the Woodruff Narrows Reservoir Co. and shall perfect said interest by possession, Banks shall be entitled to possession and control of said shares until the balance of the notes are entirely paid off, Further, the Buyers agree that Banks shall take a secured interest in the center pivot sprinkler systems, motors, and related equipment as described more fully in the Security Agreement executed contemporaneously herewith, 7. Any action taken in an attempt to assign or transfer any of the State lease lands to anyone else, unless permission is obtained from Banks prior to the transaction, shall be considered a default. Similarly, the failure to make rental payments on or renew any State lease lands shall be deemed a default. 8. The Buyers agree that they will enter into a written agreement with the owners of the neighboring Petersen property and obtain written permission for the pivots to be partially located and operated on the Petersen land, in substantially the same form as the acknowledgment attached hereto as Exhibit "A." 9. The parties agree that this agreement is an addendum to and is hereby incorporated into and made a part of the Promissory Note, Assumption Agreement, and Modification Agreement, Commercial Security Agreement, Lincoln County UCC-1, and Secretary of State UGC-1 executed by and between the parties on this date and failure to comply with the terms of this agreement shall be grounds for Banks to declare default under the terms of the loan documents and pursue any remedies available to it, including, but not limited to, foreclosure. DATED this ~ 1" day of June, 2001. V<~ e-. tJtU- Roland C. Willis ~ ./ ( " . , .,.,,;lc,- ,:-;f {~..~,lL~ Linda L. Willis By: U,S, BANK TRUST, NATIONAL ASSOCIATION AS CUSTODIANITRUSTEE tJ.~~~t~ - By: CE~ ...............-- 2 dJ." (." {II' .4 j' .k'. ..... IrJ_ .r~ - - v I 1181HXEI .. "SarlJed aLfl uaaMlaq lUaWaaJ6e aJqua aLfl salnmsuoo luaw6paIMOU)fOV' S!Lf.l 'SU6!SSB pUB 'Sa^qeluasaJdaJ 'SJOlnOexe 'SJ!a4 ,sarl..Jed aLfl uodn 6u!pu!q aq pUB puel a4l 4l!M unJ lle4s luaw6paIMOU)fOV' S!Lf.l "lsnJ.l )fUBS 's'n pUB sa!~Bd Lfloq Aq peu6!s 6Uq!JM B Aq ldaoxa pe!j!pOW aq lOU IlBLfS luaw6paIMOU)fOV' S!4.l 'f: "uaSJalad Aq paUMO aq Ol anU!lUOO II!M pUB peUMO S! pue aJnlBU U! IBnsuasuo~ uaaq SBLf aU!! aOuaj 6u!lS!Xa aLll U!L1l!M SPUBI P!BS 10 esn lBLll SaaJ6B S!lI!M "saJ!dxa WJel eLll aJojaq LflUOW auo A~ed Ja4l!a Aq palBU!WJal AISSaJdxa as!MJaLflO ssalun spo!Jad JBaA (g) e^!j leuO!l!PPB JOj AIlBo!leWOlne paMeUaJ aq 1184s UO!SS!wJad '900,' ~ Jaqwa^oN I!lun 6u!nU!lUOO pUB 6u!u6!s uodn Alale!peWW! e^!pa>>a 'SPUBI P!8S UO pal8oo1 aq Ol enu!lUOO Ol lO^!d aLfl JOj. 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L10ue~ 08 S!II!M aLll uo SlO^!d lLf5!a 8L1l JO lSOWuJa4~ou 84l 'S"3~3HM "MOlaq u8ll!JM alBp eLfl uo 'aj!M pUB pueqsn4 'LUaSJ8ladll J8ijBU!8Ja4) 'U8SJ8l8d pUB pUB LS!II!M" J8ijeU!aJaLf) 'ej.!M pue pueqsnLf 'S!II!M '1 epu!l pUB S!II!M '8 pUBloH ueaMlaq pUB Aq palnoaxa AqaJa4 S! lN3WE>C31MON>t:l\f SIHl NOISS3SS0d 3S~3^C\f .:10 WI\fl:l };I3^I\fM CfN"V NOll \f:lOllO^ld :10 lN3WE>C31MON}f:l\f l7 L 8 9(: :,'1r1:rJ:. ,>>. [) .f} .J. .ij., ~\iw-I ~ ~i .l .. ... ~ - - - " o. 11..:' l'"'1 ,~ ",.I' <tlll! _" .' 't~) i L.t:(.;oI.,_ru 875 DATED this day of .2001, Roland C. Willis Linda L.Willis Petersen Petersen STATE OF WYOMING ) ) ss, ) COUNTY OF LINCOLN On this day of , 2001, the above and foregoing Acknowledgment was acknowledged before me by Roland C. Willis. SEAL Notary Public STATE OF WYOMING COUNTY OF ) ) 5S. ) On this day of . 2001, the above and foregoing Acknowledgment was acknowledged before me by Linda L. Willis. SEAL Notary Public -2- (j{. c. (;-l --.v J? 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