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Recording Requested by &
When Recorded Return To:
US Recordings, Inc.
2925 Country Drive
St. Paul, MN 55117
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RECEIVED 4/21/2009 at 3:34 PM
RECEIVING # 946668
BOOK: 721 PAGE: 65
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
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[Space Above This Une For Recording Data]
d.O 31S0~ 5
10- <9031~1L
FHA Case No.
591-1091069-703
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MORTGAGE
MTIN: 100343000004494104
Loan Num: 449410
THIS MORTGAGE ("Security Instrument") is given on MARCH 27, 2009
The mortgagor is BRIAN D. MEYER AND EMILY R. MEYER, HUSBAND AND WIFE, AS JOINT
TENANTS WITH RIGHT OF SURVIVORSHIP
("Borrower").
This Security Instrument is given to NEW DAY FINANCIAL, LLC
, which is organized and existing
under the laws of DELAWARE and whose address is
8171 MAPLE LAWN BLVD, STE 300, FULTON, MD 20759 ("Lender").
Mortgage Electronic Registration Systems, Inc. ("MERS") is a separate corporation that is acting solely as a nominee
for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is
organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026,
Flint, MI 48501-2026, tel. (888) 679-MERS. Borrower owes Lender the principal sum of TWO HUNDRED
FIFTY SEVEN THOUSAND FIVE HUNDRED FIFTY SIX AND 00/100
Dollars (U.S. $257,556.00). 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 APRIL 1, 2039. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced
by he Note, with interest, and all renewals, extensions and modifications of the
Note; (b) the payment of all other sums, with interest, advanced under Paragraph 7 to protect the security of this
Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument
and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for
Lender and Lender's successors and assigns) and to the successors and assigns of MERS, with power of sale, the
following described property located in LINCOLN County, Wyoming:
SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HERE OF.
ParcellD No.: 12-3718-28-3-00-012.00
FHA WyoßÙng Security Instrument (MERS Modified)
Page lof8
5430 I WY 02/01
eOû068
which has the address of 447 GREYS RIVER LOOP
[Streetl
ALPINE ,
[City]
Wyoming
83128
[Zip Code]
("Property Address");
TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions 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 by Borrower in this
Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's
successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right
to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing
and canceling this Security Instrument.
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the
right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of
record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject
to any encumbrances of record.
THIS SECURITY INSTRUMENT combines unifonn covenants for national use and non-unifonn
covenants with limited variations by jurisdiction to constitute a unifonn security instrument covering real property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal, Interest and Late Charge. Borrower shall 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 shall include in each monthly
payment, together with the principal and interest as set forth in the Note and any late charges, a sum for (a) taxes and
special assessments levied or to be levied against the Property, (b) leasehold payments or ground 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
shall also include either: (i) a sum for the annual mortgage insurance premium to be paid by Lender to the Secretary,
or (ii) a monthly charge instead of a mortgage insurance premium if this Security Instrument is held by the Secretary,
in a reasonable amount to be determined by the Secretary. Except for the monthly charge by the Secretary, these
items are called "Escrow Items" and the sums paid to Lender are called "Escrow Funds."
Lender may, at any time, collect and hold amounts for Escrow Items in an aggregate amount not to exceed
the maximum amount that may be required for Borrower's escrow account under the Real Estate Settlement
Procedures Act of 1974, 12 U.S.C. § 2601 et seQ. and implementing regulations, 24 CFR Part 3500, as they may be
amended from time to time ("RESP A"), except that the cushion or reserve pennitted by RESP A for unanticipated
disbursements or disbursements before Borrower's payments are available in the account may not be based on
amounts due for the mortgage insurance premium.
If the amounts held by Lender for Escrow Items exceed the amounts permitted to be held by RESP A,
Lender shall account to Borrower for the excess funds as required by RESP A. If the amounts of funds held by
Lender at any time are not sufficient to pay the Escrow Items when due, Lender may notify the Borrower and require
Borrower to make up the shortage as permitted by RESP A.
The Escrow Funds are pledged as additional security for all sums secured by this Security Instrument. If
Borrower tenders to Lender the full payment of all such sums, Borrower's account shaH be credited with the balance
remaining for aH instaHment items (a), (b), and (c) and any mortgage insurance premium instaHment that Lender has
FHA Wyoming Security Instrument (MERS Modified)
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54301WY 02/02
,(;·03067
not become obligated to pay to the 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 monthly charge by
the Secretary instead of the monthly mortgage insurance premium;
Second. to any taxes, special assessments, leasehold payments or ground rents, and fire, flood 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, including fire,
for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that
Lender requires. Borrower shall also insure all improvements on the Property, whether now in existence or
subsequently erected, against loss by floods to the extent required by the Secretary. All insurance shall be carried
with companies approved by Lender. The insurance policies and any renewals shall be held by Lender and shall
include 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 make proof of loss
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. Allor any part of the
insurance proceeds may be applied by Lender, at its option, either (a) to the reduction of the indebtedness under the
Note and this Security Instrument, first to any delinquent amounts applied in the order of Paragraph 3, and then to
prepayment of principal, or (b) to the restoration or repair of the damaged property. Any application of the proceeds
to the 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 insurance proceeds over an amount required to pay all
outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled
thereto.
In the event of foreclosure of this Security Instrument or other 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 shall occupy, establish, and use the Property as Borrower's principal residence
within sixty days after the execution of this Security Instrument (or within 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 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 of any
extenuating circumstances. Borrower shall not commit waste or destroy, damage or substantially change the
Property or allow the Property to deteriorate, reasonable wear and tear expected. Lender may inspect the Property if
the 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 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 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
Instrument is on a leasehold, Borrower shall comply with the provisions of the lease. If Borrower acquires fee title
to 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
condemnation, are hereby assigned and shall be paid to Lender to the extent of the full amount of the indebtedness
FHA Wyonúng Security Instrument (MERS Modified)
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54301 WY 02102
00\1068
that remains unpaid under the Note and this Security Instrument. Lender shall apply such proceeds to the reduction
of 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 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 the entity legally entitled thereto.
7. Charges to Borrower and Protection of Lender's Rights in the Property. Borrower shall pay all
governmental or municipal charges, fines and impositions that are not included in Paragraph 2. Borrower shall pay
these obligations on time directly to the entity which is owed the payment. If failure to pay would adversely affect
Lender's interest in the Property, upon Lender's request Borrower shall promptly furnish to 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 that may
signifIcantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, for condemnation or to
enforce laws or regulations), then Lender may do and pay whatever is necessary to protect the value of the Property
and Lender's rights in the 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
secured by this Security Instrument. These amounts shall bear interest :&om the date of disbursement, 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: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to
Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which
in the Lender's opinion operate to prevent the enforcement of the lien; or ( c) secures :&om the holder of the lien an
agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any
part of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give
Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth
above within 10 days of the giving of notice.
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 the 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 this
Security 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
obligations contained in this Security Instrument.
(b) Sale Without Credit Approval. Lender shall, if permitted by applicable law (including section
341(d) of the Gam-St Germain Depository Institutions Act of 1982, 12 V.S.C. § 1701j-3(d)) and with the prior
approval of the Secretary, require immediate payment in full of all the sums secured by this Security Instrument if:
(i) Allor part of the Property, or a benefIcial interest in a trust owning all or part of the
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 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 the Secretary.
(c) No Waiver. If circumstances occur that would permit 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 and foreclose if not paid.
This Security Instrument does not authorize acceleration or foreclosure if not permitted by regulations of the
Secretary.
FHA Wyol1Ùng Security Instrument (MERS Modified)
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54301 WY 02102
(':·Ov069
(e) Mortgage Not Insured. Borrower agrees that if this Security Instrument and the Note are not
detennined to be eligible for insurance under the National Housing Act within 60 days from the date 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 subsequent to 60 days from the date hereof, declining to
insure this Security Instrument and the Note, shall be deemed conclusive proof of such ineligibility. Notwithstanding
the foregoing, 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 amount due under the Note or this Security Instrument. This right applies
even after foreclosure proceedings are instituted. To reinstate the Security Instrument, Borrower 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 Security
Instrument and the obligations that it secures shall remain in effect as if Lender had not required immediate payment
in full. However, Lender is not required to pennit reinstatement if: (i) Lender has accepted reinstatement after the
commencement of foreclosure proceedings within two years immediately preceding the commencement of a current
foreclosure proceeding, (ii) reinstatement will preclude foreclosure on different grounds in the future, or
(iii) reinstatement will adversely affect the priority of the lien created by this Security Instrument.
11. Bòrrower Not Released; Forbearance by Lender Not a Waiver. Extension of the time of payment
or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor
in interest of Borrower shall not operate to release the liability of the 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 otherwise modify amortization of the sums secured by this Security Instrument by reason of any
demand made by the 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 the 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 the Property under the terms of this
Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and
(c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations
with regard to the term 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 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 Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or
Lender when given as provided in this 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 this Security
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 provisions of this
Security Instrument and the Note are declared to be severable.
15. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security
Instrument.
16. Hazardous Substances. Borrower shall not cause or pennit the presence, use, disposal, storage, or
release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do,
anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not
FHA Wyoming Security Instrument (MERS Modified)
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54301 WY 02/02
úOú070
apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally
recognized to be appropriate to nonnal 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 govenunental or regulatory agency or private party involving the Property and any Hazardous
Substance or Environmental Law of which Borrower has actuallmowledge. If Borrower learns, or is notified by any
govenunental or regulatory authority, that any removal or other remediation of any Hazardous Substances affecting
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 defmed as toxic or hazardous
substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic
petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or fonnaldehyde,
and radioactive materials. As used in the Paragraph 16, "Environmental Law" means federal laws and laws of the
jurisdiction where the Property is located that relate to health, safety or environmental protection.
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 rents 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 Lender's
notice to Borrower of Borrower's breach of any covenant or agreement in the Security Instrument, Borrower shall
collect and receive all rents 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 trustee for benefit of Lender only, to be applied to the sums secured by the Security Instrument; (b) 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 perfonn 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 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 Instrument is
paid in full.
18. Foreclosure Procedure. If Lender requires immediate payment in full under Paragraph 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, 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 accordance with applicable law. Lender shall give
notice of the sale to Borrower in the manner provided in Paragraph 13. Lender shall publish the notice of
sale, and the Property shall be sold in the manner prescribed by applicable law. Lender or it 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.
If 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 invoke the nonjudicial power of
sale provided in the Single Family Mortgage Foreclosure Act of 1994 ("Act") (12 V.S.C. § 3751 et ~.) 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.
FHA Wyoming Security Instrument (MERS Modified)
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54301 WY 02102
ûOú071
19. Release. Upon payment of an sums secured by this Security Instrument, Lender shan release this
Security Instrument. Borrower shan pay any recordation costs. Lender may charge Borrower a fee for releasing this
Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is
permitted under applicable law.
20. Waivers. Borrower waives an rights of homestead exemption in the Property and relinquishes 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 shan amend
and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this
Security Instrument. [Check applicable box(es))
o Condominium Rider
o Planned Unit Development Rider
o Graduated Payment Rider 0 Other [specify)
o Growing Equity Rider
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security
Instrument and in any rider(s) executed by Borrower and recorded with it.
dr11 1
J\lU_ __ll1ut ,lL
Printed Name: ~ \W\ ~,eJ,\ ~ clJif
[Pleese Complete]
Printed Name:
[Please Complete]
~
BRIAN D. MEYER
(Seal)
-Borrower
fu - £. VVI A - ,......., (Seal)
EMILYR.~ ~
JlEYE~ -Borrower
(Seal)
-Borrower
(Seal)
-Borrower
[Acknowledgment on Following Page]
FHA Wyonùng Security Instrument (MERS Modified)
54301WY 02102
Page 7 of8
State of WY
§
§
§
ùOvO'i'2
County of LINCOLN
On MARCH 27, 2009,Before me the undersigned authority, on this day personally appeared BRIAN D. MEYER
AND EMILY R. MEYER
KIM SCHRIEBER - NOTARY PUBLIC I
COUNTY OF STATE OF
LINCOLN WYOMING
My Commission Expires July 28, 2000 ..
,
known to me (or proved to me through an identity card or other document) to be the person(s) whose name is
subscribed to the foregoing instrument, and acknowledged to me that he/she/they executed the same for the purposes
and consideration therein expressed.
Given undor my hand and ,,01 nn Ibis 27th day o~ . ~
(Seal) ~\ Jl/ ,L
-
Notary Public
~ \ V\ì S(l/h r ~ f b'£,r
Printed Name
My Commission Expires: I) {} 9) \0 q
FHA Wyoming Security Instrument (MERS Modified)
Page 8 of 8
54301 WY 02102
CHICAGO TITLE INSURANCE COMPANY AS ISSUING AGENT 1-800-943-1196
Title No TO-2037414
0~O()073
LEGAL DESCRIPTION
EXHIBIT "A"
THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE COUNTY OF Lincoln, STATE OF Wyoming, AND IS
DESCRmED AS FOLLOWS:
THE FOLLOWING DESCRmED LOT, PIECE OR PARCEL OF LAND, SITUA TE, LYING AND BEING IN LINCOLN
COUNTY, WYOMING, TO-WIT:
LOT 12, GREYS RIVER VILLAGE ADDITION TO THE TOWN OF ALPINE, WITHIN THE NWl/4 SWl/4 OF SECTION 28
AND NE 1/4 SE1/4 OF SECTION 29, T37N, Rl18W, ACCORDING TO THE PLAT FILED IN THE OFFICE OF COUNTY
CLERK., LINCOLN COUNTY, WYOMING.
APN# 12-3718-28-3-00-012.00
Commonly known as 447 GREYS RIVER LOOP, Alpine, WY 83128
However, by showing this address no additional coverage is provided
"'j
/48/