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HomeMy WebLinkAbout959328MORTGAGE 000759 This Mortgage is made the IU day of May, 2011 by and between Robert Morin, hereinafter referred to as the "Mortgagor and R. Lee Ritchey, Surviving Trustee of The R. Lee Ritchey Revocable Trust Agreement Dated April 9, 1997, hereinafter referred to as "Mortgagee." The Mortgagor, for and in consideration of the sum of Two Hundred Thirteen Thousand Dollars ($213,000.00), lawful money of the United States and other valuable consideration, loaned to them by the Mortgagee, the receipt of which is hereby confessed and acknowledged, does hereby mortgage to the Mortgagee, the following described real property situate in the County of Lincoln, State of Wyoming, to wit: Lot 2, Block 1, Alpine Estates Subdivision, according to that plat filed March 3, 1983 as Instrument No. 592764 in the Office of County Clerk, Lincoln County, Wyoming. Together with all buildings and improvements thereon, or which may hereafter be placed thereon; all fixtures now or hereafter attached to said premises; all water and water rights, ditches and ditch rights, reservoirs and reservoir rights, and irrigation and drainage rights; and all easements, appurtenances and incidents now or hereafter belonging or appertaining there to; subject, however, to all covenants, conditions, easements, and rights -of -way, and to mineral, mining and other exceptions, reservations and conditions of record. Mortgagor covenants that at the signing and delivery of this Mortgage, said Mortgagor is lawfully possessed of said personal property; is lawfully seized in fee simple of said real property, or has such other estate as is stated herein; has good and lawful right to mortgage, sell and convey all of said property; and warrants and will RECEIVED 5/18/2011 at 11:20 AM RECEIVING 959328 BOOK: 766 PAGE: 759 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY 000760 defend the title to all of said property against all lawful claims and demands. However, this Mortgage is subject to the express condition that if Mortgagor pays, or causes to be paid, to the Mortgagee the sum of Two Hundred Thirteen Thousand Dollars ($213,000.00), together with interest until paid, according to the conditions of a Promissory Note of even date herewith, which Promissory Note was executed and delivered by the Mortgagor to the Mortgagee, which sum or sums of money the Mortgagor hereby covenants to pay, and until such payment, performs all of the covenants and agreements herein to be performed by Mortgagor, then this Mortgage and said Note shall cease and be null and void. 1. Payment. Mortgagor shall pay the indebtedness as herein provided, and the lien of this instrument shall remain in full force and effect during any postponement or extension of time of payment of any part of the indebtedness secured hereby. 2. Prepayments. The Mortgagor shall have the privilege of prepaying all or part of the amounts owed under the Promissory Note, without premium or penalty of any kind. 3. Transfer of the Property. If all or any part of the property or any interest herein is sold or transferred by any means by Mortgagor without Mortgagee's prior written consent, excluding the creation of a lien or encumbrance subordinate to this Mortgage, the grant of any leasehold interest in the Property of three (3) years or less not containing an option to purchase, the sale or transfer of the Property to an entity or trust that is controlled by Mortgagor or a transfer by devise, descent or by operation of law upon the death of a joint tenant, Mortgagee may, at Mortgagee's option, declare all the sums secured by this Mortgage to be immediately due and payable. Any delay or 2 failure on the part of the Mortgagee to demand payment shall not prejudice the Mortgagee's right thereto. Mortgagee shall have waived such option to accelerate if, prior to the sale or transfer, Mortgagee at Mortgagee's sole discretion, enters into a written agreement with the person whom the property is to be sold or transferred expressly consenting to such assumption and setting forth any new terms or conditions of this Mortgage as may be requested by the Mortgagee in exchange for the Mortgagee agreeing to an assumption of this Mortgage. 4. Taxes and Assessments. Mortgagor and Mortgagee shall equally share all taxes, assessments and other lawful charges levied or assessed against said property. 5. Maintenance of Property. Mortgagor shall not commit or permit waste, nor be negligent in the care of said property, and shall maintain the same in at least as good condition as at present, reasonable wear and tear excepted, and will do nothing on or in connection with said property which may impair the security of the Mortgagee hereunder. Mortgagor shall not permit said property, or any part hereof, to be levied upon or attached in any legal or equitable proceeding, and shall not, except with the consent in writing of the Mortgagee, or as is otherwise provided and permitted in this Mortgage, remove or attempt to remove said improvements, or any part hereof, from the premises on which the same are situated. 6. Insurance. As collateral and further security for the payment of the indebtedness hereby secured, Mortgagor shall keep the improvements now existing or hereinafter erected on said premises insured against loss caused by the elements, fire, earthquake, and other calamities, with extended coverage provisions, to the full insurable value thereof for the term of this Mortgage, and will pay when due all premiums on such insurance. All insurance shall be carried in responsible insurance companies licensed in Wyoming and the policies and renewals thereof shall have 3 000761 000162 attached thereto by rider or otherwise :loss payable clauses in favor of the Mortgagee. A copy of said policy or any renewal documents pertaining thereto shall be supplied to the Mortgagee within 30 days after the date of execution of this mortgage and thereafter within 10 days of any renewal of or amendment to such policy. The insurance proceeds, or any part thereof, shall as the parties agree, be applied either to the reduction of the indebtedness hereby secured or used in reconstruction. In the event of foreclosure of this mortgage or other transfer of title to the said premises in extinguishment of the indebtedness secured hereby, all right, title and interest of the Mortgagor in and to any insurance policies then in force shall pass to the purchaser or grantee. 7. Mortgagee Authorized to Make Payments. If Mortgagor defaults in the payment of the taxes, assessments or other lawful charges, including any construction loan payments or fails to keep the improvements on said premises insured as herein provided, the Mortgagee may, without notice or demand, pay the same. The Mortgagor covenants and agrees that all such sums of money so expended, together with all costs of enforcement or foreclosure, a shall be added to the debt hereby secured, and agrees to repay the same and all expenses so incurred by the Mortgagee, with interest thereon from the date of payment at the same rate as provided in the note hereby secured, until repaid, and the same shall be a lien on all of said property and be secured by this Mortgage. 8. Default. If the Mortgagor defaults in the payment of the indebtedness hereby secured, for a period of forty five (45) days after written notice, or fails to keep the improvements on said premises insured as herein provided, or materially impairs Mortgagee's security interest in any manner, or in case of breach of any covenant or agreement herein contained, the whole of the then indebtedness secured hereby, together with all other sums payable pursuant to the provisions hereof, shall, at the 4 000763 option of the Mortgagee, become immediately due and payable, anything herein or in said note to the contrary notwithstanding, and failure to exercise said option shall not constitute a waiver of the right to exercise the same in the event of any subsequent default. The Mortgagee may enforce the provisions of, or foreclose, this Mortgage by any appropriate suit, action or proceeding at law or in equity, and cause to be executed and delivered to the purchaser or purchasers at any foreclosure sale a proper deed of conveyance of the property so sold. The Mortgagor hereby grants the Mortgagee the power to foreclose by advertisement and sale as provided by statute. All remedies provided in this Mortgage are distinct and cumulative to any other right or remedy under this Mortgage or afforded by law or equity and may be exercised concurrently, independently or successively. The Mortgagor agrees to pay all costs of enforcement or foreclosure, including a reasonable attorney fee. The failure of the Mortgagee to foreclose promptly upon a default shall not prejudice any right of said Mortgagee to foreclose thereafter during the continuance of such default or right to foreclose in case of further default or defaults. The net proceeds from such sale shall be applied to the payment of: first, the costs and expenses of the foreclosure and sale, ie .ehtcli a and all moneys expended or advanced by the Mortgagee pursuant to the provisions of this Mortgage; second, all unpaid taxes, assessments, claims and liens on said property, which are superior to the lien hereof; third, the balance due Mortgagee on account of the indebtedness hereby secured; and the surplus, if any, shall be paid to the Mortgagor. 9. Sufficiency of Foreclosure Proceeds. If the property described herein is sold under foreclosure and the proceeds are insufficient to pay the total indebtedness hereby secured, the Mortgagor executing the note or notes for which this Mortgage is security shall be personally bound to pay the unpaid balance, and the Mortgagee shall be entitled to a deficiency judgment. delivery- p IL 1.1 1116 of- -said proper y Rents_ .._ILthe ri htof foreclosure accrug, ,as a result_o.f.. ....•••••i a r -fro°m e at ru ni g of suc ri no o re em e eina ere R 1 It t, y exp 000764 .issues- -,a d- A .A a chdf_�t, 1 •II=- e Its a r 11. Inspection. Mortgagee may make or cause to be made reasonable entries upon and inspections of the property, provided that Mortgagee shall give Mortgagor notice prior to any such inspection specifying reasonable cause therefore related to Mortgagee's interest in the property. 12. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of the property, or part hereof, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Mortgagee. In the event of a total taking of the property, the 6 000765 proceeds shall be applied to the sums secured by this Mortgage with the excess, if any, paid to Mortgagor. In the event of a partial taking of the property, unless Mortgagor and Mortgagee otherwise agree in writing, there shall be applied to the sums secured by this Mortgage such proportion of the proceeds as is equal to that proportion which the amount of the sums secured by this Mortgage immediately prior to the date of taking bears to the fair market value of the property immediately prior to the date of taking, with the balance of the proceeds paid to Mortgagor. If the property is abandoned by Mortgagor, or if, after notice by Mortgagee to Mortgagor that the condemnor offers to make an award or settle a claim for damages, Mortgagor fails to respond to Mortgagee within 45 days after the date such notice is mailed, Mortgagee is authorized to collect and apply the proceeds, at Mortgagee's option, either to restoration or repair of the property or to reduce the sums secured by this Mortgage. Unless Mortgagee and Mortgagor otherwise agree in writing, any such application of proceeds to principal shall not extend or postpone the due date of the installments referred to above or change the amount of such installments. 13. Statement. The Mortgagee, within ten (10) days upon request in person or within. thirty (30) days upon request by mail, will furnish a written statement duly acknowledged of the amount due on this Mortgage and whether any offsets or defenses exist against the mortgage debt. 14. Notices. All notices, demands or other writing in this Mortgage provided to be given., made or sent by either party to the other shall be in writing and shall be validly given or made only if personally delivered with a receipt obtained from the person receiving the notice, or sent by certified United States mail return receipt requested, or if sent by Federal Express or other similar delivery service keeping records of deliveries and attempted deliveries. Service shall be conclusively deemed made upon receipt if personally delivered or, if delivered by mail or delivery service, on 7 the first business day delivery is attempted or upon receipt, whichever is sooner. The parties mailing addresses are as follows: Mortgagor: Robert Morin Mortgagee: Lee Ritchey 251 Oak Haven Drive Mountain Rest, SC 29664 8 000766 15. Headings. The headings used in this Mortgage are for convenience only and are not to be used in its construction. 16. Binding Effect and Construction; Amendment. The covenants, agreements and conditions herein contained shall run with the land and bind, and the benefits and advantages shall inure to, the respective heirs, devisees, legatees, executors, administrators, successors and assigns of the parties hereto, and all subsequent owners, encumbrances, tenants and subtenants of the property. Whenever used the singular number shall include the plural, the plural the singular, and the use of any gender shall include all genders. The term "note" includes all notes herein described if more than one. The terms "foreclosures" and "foreclose" as used herein shall include the right of foreclosure by any suit, action or proceeding at law or in equity, or by advertisement and sale of said premises, or in any other manner now or hereafter provided by Wyoming statutes, including the power to sell. The acceptance of this mortgage and the note or notes it secures, by the Mortgagee shall be an acceptance of the terms and conditions contained therein. This Mortgage may not be changed or terminated orally. This Mortgage shall be governed by the laws of the State of Wyoming. 17. Release. Upon payment of all sums secured by this Mortgage, Mortgagee shall release this Mortgage without charge to Mortgagor. Mortgagor shall pay all costs of recordation, if any. 18. Waiver of Homestead. Mortgagor hereby relinquishes and waives all rights under and by virtue of the homestead exemption laws of the State of Wyoming. IN WITNESS WHEREOF, the parties have hereunto signed and sealed these presents the day and year first above written. STATE OF ss. COUNTY OF STATE OF Mortgagor: The foregoing instrument was acknowledged before me this day of May, 2011 by Robert Morin. WITNESS my hand and official seal, ir ss. COUNTY OF %via-- The foregoing instrument was acknowledged before me this 11 day of May, 2011 by R. Lee Ritchey as Trustee of the The R. Lee Ritchey Revocable Trust Agreement Dated April 9, 1997. WITNESS my hand and official seal, 9 Robert Morin Lee Ritchey, Trustee Nota y P blic My o ssion Expires:, 000767 Notary Public My Commission Expires: Mortgagee: The R. Lee Ritchey Revocable Trust I e�Da t ri 9, 1997 MORTGAGE 000768 This Mortgage is made the 1C day of May, 2011 by and between Robert Morin, hereinafter referred to as the "Mortgagor and R. Lee Ritchey, Surviving Trustee of The R. Lee Ritchey Revocable Trust Agreement Dated April 9, 1997, hereinafter referred to as "Mortgagee." The Mortgagor, for and in consideration of the sum of Two Hundred Thirteen Thousand Dollars ($213,000.00), lawful money of the United States and other valuable consideration, loaned to them by the Mortgagee, the receipt of which is hereby confessed and acknowledged, does hereby mortgage to the Mortgagee, the following described real property situate in the County of Lincoln, State of Wyoming, to wit: Lot 2, Block 1, Alpine Estates Subdivision, according to that plat filed March 3, 1983 as Instrument No. 592764 in the Office of County Clerk, Lincoln County, Wyoming. Together with all buildings and improvements thereon, or which may hereafter be placed thereon; all fixtures now or hereafter attached to said premises; all water and water rights, ditches and ditch rights, reservoirs and reservoir rights, and irrigation and drainage rights; and all easements, appurtenances and incidents now or hereafter belonging or appertaining there to; subject, however, to all covenants, conditions, easements, and rights -of -way, and to mineral, mining and other exceptions, reservations and conditions of record. Mortgagor covenants that at the signing and delivery of this Mortgage, said Mortgagor is lawfully possessed of said personal property; is lawfully seized in fee simple of said real property, or has such other estate as is stated herein; has good and lawful right to mortgage, sell and convey all of said property; and warrants and will defend the title to all of said property against all lawful claims and demands. 000769 However, this Mortgage is subject to the express condition that if Mortgagor pays, or causes to be paid, to the Mortgagee the sum of Two Hundred Thirteen Thousand Dollars ($213,000.00), together with interest until paid, according to the conditions of a Promissory Note of even date herewith, which Promissory Note was executed and delivered by the Mortgagor to the Mortgagee, which sum or sums of money the Mortgagor hereby covenants to pay, and until such payment, performs all of the covenants and agreements herein to be performed by Mortgagor, then this Mortgage and said Note shall cease and be null and void. 1. Payment. Mortgagor shall pay the indebtedness as herein provided, and the lien of this instrument shall remain in full force and effect during any postponement or extension of time of payment of any part of the indebtedness secured hereby. 2. Prepayments. The Mortgagor shall have the privilege of prepaying all or part of the amounts owed under the Promissory Note, without premium or penalty of any kind. 3. Transfer of the Property. If all or any part of the property or any interest herein is sold or transferred by any means by Mortgagor without Mortgagee's prior written consent, excluding the creation of a lien or encumbrance subordinate to this Mortgage, the grant of any leasehold interest in the Property of three (3) years or less not containing an option to purchase, the sale or transfer of the Property to an entity or trust that is controlled by Mortgagor or a transfer by devise, descent or by operation of law upon the death of a joint tenant, Mortgagee may, at Mortgagee's option, declare all the sums secured by this Mortgage to be immediately due and payable. Any delay or 2 3 0 failure on the part of the Mortgagee to demand payment shall not prejudice the Mortgagee's right thereto. Mortgagee shall have waived such option to accelerate if, prior to the sale or transfer, Mortgagee at Mortgagee's sole discretion, enters into a written agreement with the person whom the property is to be sold or transferred expressly consenting to such assumption and setting forth any new terms or conditions of this Mortgage as may be requested by the Mortgagee in exchange for the Mortgagee agreeing to an assumption of this Mortgage. 4. Taxes and Assessments. Mortgagor and Mortgagee shall equally share all taxes, assessments and other lawful charges levied or assessed against said property. 5. Maintenance of Property. Mortgagor shall not commit or permit waste, nor be negligent in the care of said property, and shall maintain the same in at least as good condition as at present, reasonable wear and tear excepted, and will do nothing on or in connection with said property which may impair the security of the Mortgagee hereunder. Mortgagor shall not permit said property, or any part hereof, to be levied upon or attached in any legal or equitable proceeding, and shall not, except with the consent in writing of the Mortgagee, or as is otherwise provided and permitted in this Mortgage, remove or attempt to remove said improvements, or any part hereof, from the premises on which the same are situated. 6. Insurance. As collateral and further security for the payment of the indebtedness hereby secured, Mortgagor shall keep the improvements now existing or hereinafter erected on said premises insured against loss caused by the elements, fire, earthquake, and other calamities, with extended coverage provisions, to the full insurable value thereof for the term of this Mortgage, and will pay when due all premiums on such insurance. All insurance shall be carried in responsible insurance companies licensed in Wyoming and the policies and renewals thereof shall have 000771 attached thereto by rider or otherwise loss payable clauses in favor of the Mortgagee. A copy of said policy or any renewal documents pertaining thereto shall be supplied to the Mortgagee within 30 days after the date of execution of this mortgage and thereafter within 10 days of any renewal of or amendment to such policy. The insurance proceeds, or any part thereof, shall as the parties agree, be applied either to the reduction of the indebtedness hereby secured or used in reconstruction. In the event of foreclosure of this mortgage or other transfer of title to the said premises in extinguishment of the indebtedness secured hereby, all right, title and interest of the Mortgagor in and to any insurance policies then in force shall pass to the purchaser or grantee. 7. Mortgagee Authorized to Make Payments. If Mortgagor defaults in the payment of the taxes, assessments or other lawful charges, including any construction loan payments or fails to keep the improvements on said premises insured as herein provided, the Mortgagee may, without notice or demand, pay the same. Th Mortgagor covenants and agrees that all such sums of money so expended, together with all costs of enforcement or foreclosure, sh shall be added to the debt hereby secured, and agrees to repay the same and all expenses so incurred by the Mortgagee, with interest thereon from the date of payment at the same rate as provided in the note hereby secured, until repaid, and the same shall be a lien on all of said property and be secured by this Mortgage. 8. Default. If the Mortgagor defaults in the payment of the indebtedness hereby secured, for a period of forty five (45) days after written notice, or fails to keep the improvements on said premises insured as herein provided, or materially impairs Mortgagee's security interest in any manner, or in case of breach of any covenant or agreement herein contained, the whole of the then indebtedness secured hereby, together with all other sums payable pursuant to the provisions hereof, shall, at the 4 000772 option of the Mortgagee, become immediately due and payable, anything herein or in said note to the contrary notwithstanding, and failure to exercise said option shall not constitute a waiver of the right to exercise the same in the event of any subsequent default. The Mortgagee may enforce the provisions of, or foreclose, this Mortgage by any appropriate suit, action or proceeding at law or in equity, and cause to be executed and delivered to the purchaser or purchasers at any foreclosure sale a proper deed of conveyance of the property so sold. The Mortgagor hereby grants the Mortgagee the power to foreclose by advertisement and sale as provided by statute. All remedies provided in this Mortgage are distinct and cumulative to any other right or remedy under this Mortgage or afforded by law or equity and may be exercised concurrently, independently or successively. The Mortgagor agrees to pay all costs of enforcement or foreclosure, including a reasonable attorney fee. The failure of the Mortgagee to foreclose promptly upon a default shall not prejudice any right of said Mortgagee to foreclose thereafter during the continuance of such default or right to foreclose in case of further default or defaults. The net proceeds from such sale shall be applied to the pay nt of: first, the costs and expenses of the foreclosure and sale, itteittelittg-a and all moneys expended or advanced by the Mortgagee pursuant to the provisions of this Mortgage; second, all unpaid taxes, assessments, claims and liens on said property, which are superior to the lien hereof; third, the balance due Istii gagee on account of the indebtedness hereby secured; and the surplus, if any, shall be pid to the Mortgagor. 9. Sufficiency of Foreclosure Proceeds. If the property described herein is sold under foreclosure and the proceeds are insufficient to pay the total indebtedness hereby secured, the Mortgagor executing the note or notes for which this Mortgage is security shall be personally bound to pay the unpaid balance, and the Mortgagee shall be entitled to a deficiency judgment. 5 Nta fD oper se e emg ere g of su io• o re ern y ex 6 ri ht of foreclosure ac 000773 t_ •1 .1 1 11 .1 .1 .1 G 1 11. Inspection. Mortgagee may make or cause to be made reasonable entries upon and inspections of the property, provided that Mortgagee shall give Mortgagor notice prior to any such inspection specifying reasonable cause therefore related to Mortgagee's interest in the property. 12. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of the property, or part hereof, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Mortgagee. In the event of a total taking of the property, the 000774 proceeds shall be applied to the sums secured by this Mortgage with the excess, if any, paid to Mortgagor. In the event of a partial taking of the property, unless Mortgagor and Mortgagee otherwise agree in writing, there shall be applied to the sums secured by this Mortgage such proportion of the proceeds as is equal to that proportion which the amount of the sums secured by this Mortgage immediately prior to the date of taking bears to the fair market value of the property immediately prior to the date of taking, with the balance of the proceeds paid to Mortgagor. If the property is abandoned by Mortgagor, or if, after notice by Mortgagee to Mortgagor that the condemnor offers to make an award or settle a claim for damages, Mortgagor fails to respond to Mortgagee within 45 days after the date such notice is mailed, Mortgagee is authorized to collect and apply the proceeds, at Mortgagee's option, either to restoration or repair of the property or to reduce the sums secured by this Mortgage. Unless Mortgagee and Mortgagor otherwise agree in writing, any such application of proceeds to principal shall not extend or postpone the due date of the installments referred to above or change the amount of such installments. 13. Statement. The Mortgagee, within ten (10) days upon request in person or within thirty (30) days upon request by mail, will furnish a written statement duly acknowledged of the amount due on this Mortgage and whether any offsets or defenses exist against the mortgage debt. 14. Notices. All notices, demands or other writing in this Mortgage provided to be given, made or sent by either party to the other shall be in writing and shall be validly given or made only if personally delivered with a receipt obtained from the person receiving the notice, or sent by certified United States mail return receipt requested, or if sent by Federal Express or other similar delivery service keeping records of deliveries and attempted deliveries. Service shall be conclusively deemed made upon receipt if personally delivered or, if delivered by mail or delivery service, on 7 000775 the first business day delivery is attempted or upon receipt, whichever is sooner. The parties mailing addresses are as follows: Mortgagor: Mortgagee: Robert Morin 331 1t Lee Ritchey 251 Oak Haven Drive Mountain Rest, SC 29664 15. Headings. The headings used in this Mortgage are for convenience only and are not to be used in its construction. 16. Binding Effect and Construction; Amendment. The covenants, agreements and conditions herein contained shall run with the land and bind, and the benefits and advantages shall inure to, the respective heirs, devisees, legatees, executors, administrators, successors and assigns of the parties hereto, and all subsequent owners, encumbrances, tenants and subtenants of the property. Whenever used the singular number shall include the plural, the plural the singular, and the use of any gender shall include all genders. The term "note" includes all notes herein described if more than one. The terms "foreclosures" and "foreclose" as used herein shall include the right of foreclosure by any suit, action or proceeding at law or in equity, or by advertisement and sale of said premises, or in any other manner now or hereafter provided by Wyoming statutes, induding the power to sell. The acceptance of this mortgage and the note or notes it secures, by the Mortgagee shall be an acceptance of the terms and conditions contained therein. This Mortgage may not be changed or terminated orally. This Mortgage shall be governed by the laws of the State of Wyoming. 17. Release. Upon payment of all sums secured by this Mortgage, Mortgagee shall release this Mortgage without charge to Mortgagor. Mortgagor shall 8 pay all costs of recordation, if any. 18. Waiver of Homestead. Mortgagor hereby relinquishes and waives all rights under and by virtue of the homestead exemption laws of the State of Wyoming. IN WITNESS WHEREOF, the parties have hereunto signed and sealed these presents the day and year first above written. STATE OF a 1 c-C -0 ss. COUNTY OF n v- ctvls -e. STATE OF COUNTY OF Mortgagor: WITNESS my hand and official seal, JOHN C. BOLLING Commission 1777177 n. Notary Public California r '1R Orange Count 21Comm. tiiresOct30.2011 ss. WITNESS my hand and official seal, 9 The foregoing instrument was acknowledged before me this 10 day of May, 2011 by Robert Morin. R. Lee Ritchey, Trustee 000776 No y Public My Commission Expires: I o l 3\ (a d t l Mortgagee: The R. Lee Ritchey Revocable Trust Agreement Dated April 9, 1997 The foregoing instrument was acknowledged before me this day of May, 2011 by R. Lee Ritchey as Trustee of the The R. Lee Ritchey Revocable Trust Agreement Dated April 9, 1997. Notary Public My Commission Expires: