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HomeMy WebLinkAbout940408 601081ó9Ul Return To: Bank of the West Post Closing 13505 California St. NE-BBP-LL-P Omaha, NE 68154 RECEIVED 7/9/2008 i~ 11:10AM RECEIVING # 94 408 BOOK: 699 PA E: 514 JEANNE WApNER LINCOLN COUNTY CLER~, KEMMERER, WY 0:051.4 Prepared By: Cristina Jensen 13505 California St Omaha, NE 68154 [Space Above This Line For Recording Datal State of Wyoming FHA Case No. MORTGAGE 591-104602 -703 MnN 10010408800455079 1 THIS MORTGAGE ("Security Instrument") is given on July 07, 2008 The Mortgagor is BARRY S WERGIN and JANICE R WERGIN, HUSBAND AND WIFE ¡; I ,,) ("Borrower"). This Security Instrument is given to Mortgage Electronic Registration Systems Inc. ("MERS"), (solely as nominee for Lender, as hereinafter defined, and Lender's successors and assigns), as m rtgagee. MERS is organized and existing under the laws of Delaware, and has an address and telephone number 0 P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS.Bank of the West, a California state anking corp. ("Lender") is organized and existing under the laws of The State of California , and hasanoodr~sof13505 California St, NE-BBP-LL-P, Omaha, NE 68154 . Borrower owes Lender th principal sum of Two Hundred Three Thousand Eight Hundred One And Zero/100 Dollars (U.S. $203,801. 0 ). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ",Note"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on Augus 01, 2038 . This Security Instrument secures to Lender: (a) the repayment of the deb evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment f all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (0 the performance of Borrower's covenants and agreements under this Security Instrument and the Note. F or this p rpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender s successors and 8800455079 FHA M orlgage w IIh M ERS . WY VMP® Wollers Kluw er Financial Services 8800455079 Revised 4/98 Am ended 2/01 MP4N(WY) (0803) Page 1 of II ('ìp051.5 "'igos) and to the successors and ",igns of MERS with pow", of saie, the following described I~roperty iocated io Lincoln rounty, Wyoming: SEE ATTACHED LEGAL "PURCHASE MONEY" Parcel ID Number: 1221162311015800 which has the address of 1325 LINCOLN HEIGHTS DRIVE [Street] KEMMERER [City], Wyoming 83101 [Zip Code] ("Rroperty Address"); TOGETHER WITH alJ the improvements now or hereafter erected on the property, d alJ easements, appurtenances and fixtures now or hereafter a part of the property. All replacements and addi ions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property. " Borrower understands and agrees that MERS holds only legal title to the interests granted b Borrower in this Security Instrument; but, if necessary to comply with law or custom, MERS, (as nominee for L nder and Lender's successors and assigns), has the right: to exercise any or all of those interests, including, but not I mited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limi ed to, releasing or canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed d has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encu brances of record. Borrower warrants and will defend generally the title to the Property against alJ claims and dem ds, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non- niform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real pro erty. Borrower and Lender covenant and agree as follows: UNIFORM COVENANTS. 1. Payment of Princip~l, Interest and Late Charge. Borrower shalJ pay when due the principal of, and interest on, the debt evidenced by the Note and late charges due under the Note. 2. Monthly Payment of Taxes, Insurance and Other Charges. Borrower shalJ includ in each monthly payment, together with the principal and interest as set forth in the Note and any late charges, a su for (a) taxes and special assessments levied or to be levied against the Property, (b) leasehold payments or gr und rents on the Property, and (c) premiums for insurance required under paragraph 4. In any year in which the Lender must pay a mortgage insurance premium to the 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 monthly payment shalJ also include either: (i) a sum for the annual mortgage insurance premium to be paid by Lend r to the Secretary, or (ii) a monthly charge instead of a mortgage insurance premium if this Security Instrument is hel by the Secretary, in a reasonable amount to be determined by the Secretary. Except for the monthly charge by t Secretary, these items are called "Escrow Items" and the sums paid to Lender are called "Escrow Funds. " 8800455079 Revised 4/98 Amended 2/01 P4N(WY) (0803) Page 2 of 9 8800455079 FHA M orlgaga w ¡Ih M ERS . WY VMP ® Wollers Kluw er Financial Services ..¡~ !>0051.6 Lender may, at any time, coIlect and hold amounts for Escrow Items in an aggregate amou t not to exceed the maximum amount that may be required for Borrower's escrow account under the Real Estate Se~lement Procedures Act of 1974, 12 U.s.e. Section 2601 et seq. and implementing regulations, 24 CFR Part 3500, as they may be amended from time to time ("RESPA"), except that the cushion or reserve permitted by RESPA for unanticipated disbursements or disbursements before the Borrower's payments are available in the account m~y not be based on amounts due for the mortgage insurance premium. ,I If the amounts held by Lender for Escrow Items exceed the amounts permitted to be held y RESP A, Lender shaIl account to Borrower for the excess funds as required by RESP A. If the amounts of funds he by Lender at any time are not sufficient to pay the Escrow Items when due, Lender may notify the Borrower and r quire Borrower to make up the shortage as permitted by RESP A. The .E;scrow Funds are pledged as additional security for all sums secured by this Secu ity Instrument. If Borrower tenders to Lender the fuIl payment of all such sums, Borrower's account shall be credit d with the balance remaining for all installment items (a), (b), and (c) and any mortgage insurance premium installm nt that Lender has not become obligated to pay to the Secretary, and Lender shall promptly refund any excess 1nds 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 mo thly charge by the Secretary instead of the monthly mortgage insurance premium; Second. to any taxes, speci'al assessments, leasehold payments or ground rents, and fire, floo and other hazard insurance premiums, as required; Third, to interest due under the Note; Fourth, to amortization of the principal of the Note; and Fifth. 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, includ ng fire, for which Lender requires insurance. This insurance shaIl be maintained in the amounts and for the P¡iOdS that Lender requires. Borrower shall also insure all improvements on the Property, whether now in existen e or subsequently erected, against loss by floods to the extent required by the Secretary. AIl insurance shall be carri d with companies approved by Lender. The insurance policies and any renewals shall be held by Lender and shall i clude loss payable clauses in favor of, and in a form acceptable to, Lender. In the event of loss, Borrower shall give Lender immediate notice by mail. Lender may makjrOOf of loss if not made promptly by Borrower. Each insurance company concerned is hereby authorized and directe to make payment for such loss directly to Lender, instead of to Borrower and to Lender jointly. All or any p of the insurance proceeds may be applied by Lender, at its option, either (a) to the reduction of the indebtedness 1.1 der the Note and this Security Instrument, first to any delinquent amounts applied in the order in paragraph 3, and t en to prepayment of principal, or (b) to the restoration or repair of the damaged Property. Any application Ofje proceeds to the principal shall not extend or postpone the due date of the monthly payments which are referred to n paragraph 2, or change the amount of such payments. Any excess insurance proceeds over an amount required to ay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legaIly entitled t ereto. In the event of foreclosure of this Security Instrument or other transfer of title to the Prope that extinguishes the indebtedness, all right, title and interest of Borrower in and to insurance policies in force shall pass to the purchaser. ~ 8800455079 Revised 4/96 ,) Amended 2/01 ?J U MP4N(WY) (0803 Initials: ¡ paga 3 or ~ 8800455079 FHA Mortgage w ilh M ERS - WY VMP® Wollers Kluw er Financial Services , 1· ~'00517 5. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's loan Application; Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal re~'dence within sixty days after the execution of this Security Instrument (or within sixty days of a later sale or transfi r of the Property) and shall continue to occupy the Property as Borrower's principal residence for at least one y after the date of occupancy, unless Lender determines that requirement will cause undue hardship for Borrower, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall notifY Lender 0 any extenuating circumstances. Borrower shall not commit waste or destroy, damage or substantially change the Pr perty or allow the Property to deteriorate, reasonable wear and tear excepted. Lender may inspect the Property if th Property is vacant or abandoned or the loan is in default. Lender may take reasonable action to protect and prese ve such vacant or abandoned Property. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender I with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Ifstrument is on a leasehold, Borrower shall comply with the provisions of the lease. If Borrower acquires fee title t the Property, the. 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 damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in place of I ondemnation, are hereby assigned and shall be paid to Lender to the extent of the full amount of the indebtedness ttat remains unpaid under the Note and this Security Instrument. Lender shall apply such proceeds to the reduction 9f the indebtedness under the Note and this Security Instrument, first to any delinquent amounts applied in the order provided in paragraph 3, and then to prepayment of principal. Any application of the proceeds to the principal bhall 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 unde the Note and this Security Instrument shall be paid to the entity legally entitled thereto. 7. Charges to Borrower and Protection of Lender's Rights in the Property. Borro er shall pay all governmental or municipal charges, fines and impositions that are not included in paragraph 2. orrower shall pay these obligations on time directly to the entity which is owed the payment. If failure to pay wou d adversely affect Lender's interest in the Property, upon Lender's request Borrower shall promptly furnish t, Lender receipts evidencing these payments. If Borrower fails to make these payments or the payments required by paragraph 2, or fails to perform any other covenants and agreements contained in this Security Instrument, or there is a legal proceeding tha may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, for condemnation or '0 enforce laws or regulations), then Lender may do and pay whatever is necessary to protect the value of the Pro lerty and Lender's rights in the Property, including payment oftaxes, hazard insurance and other items mentioned in p agraph 2. Any amounts disbursed by Lender under this paragraph shall become an additional debt 0 Borrower and be secured by this Security Instrument. These amounts shall bear interest from the date of disburse ent, at the Note rate, and at the option of Lender, shall be immediately due and payable. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (<1) agrees in writing to the payment of the obligation secured by the lien in a manner accepta Ie to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceed ngs which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the hol er of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender deter ines that any part of the Property is subject to a lien which may attain priority over this Security Instrumeht, ender may give Borrower a notice identifYing the lien. Borrower shall satisfY the lien or take one or more of th actions set forth above within 10 days of the giving of notice. 8800455079 FHA Mortgage w IIh M ERS . WY VMP® Wollers Kluw er Financial Services Inlllals: .1 J 8800455079 Revised 4/98 Amended 2/01 P4N(WY) (0803) Page 4 of ø 8. Fees. Lender may collect fees and charges authorized by the Secretary. 9. Grounds for Acceleration of Debt. (a) Default. Lender may, except as limited by regulations issued by the Secretary, in t e case of payment defaults, require immediate payment in full of all sums secured by this Security Instrumen if: (i) Borrower defaults by failing to pay in full any monthly payment required by this ecurity Instrument prior to or on the due date of the next monthly payment, or (ii) Borrower defaults by failing, for a period of thirty days, to perform any other ob igations contained in this Security Instrument. . (b) Sale Without Credit Approval. Lender shall, if permitted by applicable law (inclu 'ng Section 34l(d) of the Garn-St. Germain Depository Institutions Act of 1982, 12 U.S.C. 1701j-3(d)) d with the prior approval of the Secretary, require immediate payment in full of all sums secured by this ~ecurity Instrument if: J (i) All or part of the Property, or a beneficial interest in a trust owning all or part oftJe Property, is sold 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 principa residence, or the purchaser or grantee does so occupy the Property but his or her credit has not~een approved in accordance with the requirements of the Secretary. . (c) No Waiver. If circumstances occur that would permit Lender to require immediate p yment in full, but Lender does not require such payments, Lender does not waive its rights with respect to s sequent events. (d) Regulations of HUD Secretary. In many circumstances regulations issued by the Sbcretary will limit Lender's rights, in the case of payment defaults, to require immediate payment in full d foreclose if not paid. This Security Instrument does not authorize acceleration ·or foreclosure if not permi ed by regulations of the Secretary. (e) Mortgage Not Insured. Borrower agrees that if this Security Instrument and the Note e not determined to be eligible for insurance under the National Housing Act within 60 days from the d te hereof, Lender may, at its option, require immediate payment in full of all sums secured by this Secu ity Instrument. A written statement of any authorized agent of the Secretary dated subsequent to 60 days fro the date hereof, declining to insure this Security Instrument and the Note, shall be deemed conclusi e proof of such ineligibility. Notwithstanding the foregoing, this option may not be exercised by ender when the unavailability of insurance is solely due to Lender's failure to remit a mortgage insuran e premium to the Secretary . 10. Reinstatement. Borrower has a right to be reinstated if Lender has required immedia e payment in full because of Borrower's failure to pay an amount due under the Note or this Security Instrument. This right applies even after foreclosure proceedings are instituted. To reinstate the Security Instrument, Borrowe shall tender in a lump sum all amounts required to bring Borrower's account current including, to the extent they are obligations of Borrower under this Security Instrument, foreclosure costs and reasonable and customary attorneys' fees and expenses properly associated with the foreclosure proceeding. Upon reinstatement by Borrower, this Securîty Instrument and the obligations that it secures shall remain in effect as if Lender had not required immediat1 payment in full. However, Lender is not required to permit reinstatement if: (i) Lender has accepted reins atement after the commencement of foreclosure proceedings within two years immediately preceding the commenc ment of a current foreclosure proceeding, (ii) reinstatement will preclude foreclosure on different grounds in t e future, or (iii) reinstatement will adversely affect the priority of the lien created by this Security Instrument. 1'00518 8800455079 FHA Mortgage w nil M ERS· WY VMP ® Wollers Kluw er Financial Services Initials: j) J 8800455079 Revised 4/96 Amended 2/01 MP4N(WY) (0803) Pege 5 of ¡¡ 00051.9 11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the ti e of payment or modification of amortization of the sums secured by this Security Instrument granted by Lender any successor in interest of Borrower shall. not operate to release the liability of the original Borrower or Borrj;er's successor in interest. Lender shall not be required to commence proceedings against any successor in interest r refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrume t by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by ~nder in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co-Signers. The coven ts and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borro1"er, 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 the Property under the terms of this securfty Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees tIt Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard t the terms of this Security Instrument or the Note without that Borrower's consent. 13. Notices. Any notice to Borrower provided for in this Security Instrument shall be given y delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice hall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice ~o Lender shall be given by first class mail to Lender's address stated herein or any address Lender designates by nbtice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borr011 r or Lender when given as provided in this paragraph. 14. Governing Law; Severability. This Security Instrument shall be governed by Federal I w and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this lecurity Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisiOJìs of this Security Instrument and the Note are declared to be severable. j 15. Borrower's Copy. Borrower shall be given one conformed copy of the Note an of this Security Instrument. 16. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, tor age, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone el e to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentence)1 shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances hat are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. . Borrower shall promptly give Lender written notice of any investigation, claim, demand, law uit or other action by any governmental or regulatory agency or private party involving the Property and any HazJjdOUS Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substances affect¡ng the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 16, "Hazardous Substances" are those substances defined as tbxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flbmable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbesto~ or formaldehyde, and radioactive materials. As used in this paragraph 16, "Environmental Law" means federal la s and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. 8800455079 FHA Mortgage wilh MERS· WY VMP@ Wollars Kluw er Financial Sarvlces Inlllals: ¡J j lJ 8800455079 Revised 4/96 Amanded 2/01 ~MP4N(WY) (0803) Page 6 of 9 NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 17. Assignment of Rents. Borrower unconditionally assigns and transfers to Lender all the ents and revenues of the Property. Borrower authorizes Lender or Lender's agents to collect the rents and revenues and hereby directs each tenant of the Property to pay the rents to Lender or Lender's agents. However, prior to ender's notice to Borrower of Borrower's breach of any covenant or agreement in the Security Instrument, Borrow r shall collect and receive all rents and revenues of the Property as trustee for the benefit of Lender and Borrower. his assignment of rents constitutes an absolute assignment and not an assignment for additional security only. j If Lender gives notice of breach to Borrower: (a) all rents received by Borrower shall be h ,Id by Borrower as trustee for benefit of Lender only, to be applied to the sums secured by the Security Instrument; ) Lender shall be entitled to collect and receive all of the rents of the Property; and (c) each tenant of the Property shall pay all rents due and unpaid to Lender or Lender's agent on Lender's written demand to the tenant. Borrower has not executed any prior assignment of the rents and has not and will not perform any act that would prevent Lender from exercising its rights under this 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 appointed receiver may do so at any tim I 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 Instrume~t is paid in full. 18. Foreclosure Procedure. If Lender requires immediate payment in full under paragrafh 9, Lender may invoke the power of sale and any other remedies permitted by applicable law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 18, including, b t not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice ()f intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with applicable law. Lender shall give notice of the sale to Borrower in the manner provided in paragraph 13. Lender shall publish the notic~ of sale, and the Property shall be sold in the manner prescribed by applicable law. 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 II 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. If the Lender's interest in this Security Instrument is held by the Secretary and the ecretary requires immediate payment in full under paragraph 9, the Secretary may invoke the nonjudicial powe of sale provided in the Single Family Mortgage Foreclosure Act of 1994 ("Act'? (12 U.S. C. 3751 et 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 any rights otherwise available to a Lender under this paragraph 18 or applicable law. 19. Release. Upon payment of all sums secured by this Security Instrument, Lender shall re ease this Security Instrument without charge to Borrower. Borrower shall pay any recordation costs. 20. Waivers. Borrower waives all rights of homestead exemption in the Property and relinq ishes all rights of curtesy and dower in the Property. 21. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were apt of this Security Instrument. [Check applicable box(es)]. D Condominium Rider D Planned Unit Development Rider 000520 D D Growing Equity Rider Graduated Payment Rider D Other [ pecify] 8800455079 FHA M orlgaga with M ERS - WY VMP@ Wolters Kluw ar Financial Sarvleas Initials: IJ J V 8800455079 Ravlsad 4/88 Amandad 2/01 MP4N(WY) (0803) Paga 7 of II I d 0521- any rider(s) executed by Borrower and recorded with it. Witnesses: (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower 8800455079 FHA Mortgage w Ilh M ERS - WY VMP® Wollers Kluw er Financial Services ~/¿" , y S ~GIN Inlllals: ðj (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower 8800455079 Revlsad 4/96 Amended 2/01 MP4N(WY) (0803) Page 8 of ¡¡ fl}J J? . f\.JLIo~ So "-0..... STATE OF WiOMING, LmCeI.N ¡63U ill ß0 -Ç-fcA.\.o ~00522 Co un 55: This instrument was acknowledged before me on July 07, 2008 BARRY S WERGIN and JANICE R WERGIN by My Commission Expires: Ma~ ð-7 dOL a I Notary Public Title (and Rank) GENERAL NOTARY - State at Nebraska NICOLE M. CADWALLADER My Comm. Exp. March 27, 2010 8800455079 FHA Mortgage with M ERS . WY VMP® Wollers Kluw er Financial Services Initials; ¡J Jv 8800455079 Revised 4/96 -:'1... Amended 2/01 VII1P4N(WY) (0603) Page 9 of 9 Exhibit A File 6010816902 Description The land referred to in this document is situated in the State of Wyoming, County of coIn, and is described as follows: ~ Lot 15 of Block 1 of LIncoln Heights 2nd Subdivision, Lincoln County, Wyonñng described on the official plat filed on jnly 30, 1973 as instrument No. 449229 of the records 0 the LIncoln County Clerk. ¡JJv