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HomeMy WebLinkAbout889930-:? q Recording requested by: Wells Fargo Bank, N.A. Whenrecordedreturnto: Wells Faigo Bank, N.A. P. O. BOX 31557 BILLINGS, MT 59107 DOCUMENT MANAGEMEN~ RE'}E I"/ED L,~,'"~',, '~ ~',,~iTV CLERK 30 .... ' :-'°'°% 8 8 Space Above Tiffs Line For R cordin · t ACCO~ #: 0654-65 4-751~690-1998 MORTGAGE State of Wyoming- REFERENCE #: 20031007400400 (With Future Advance Clause) DATE AND PARTIES. The date of this Mortgage ("Security Instrument") is 04 / 22 / 2003 and the parties, their addresses and tax identification numbers, ii' required, are as follows: MORTGAGOR: JEREMY V. SCHWAB AND MANDY S. SCHWAB, HUSBAND AND WIFE, TENANTS BY THE ENTIRETIES [] ~ checked, refer to the attached Addendum incorporated herein, for additional Mortgagors their si acknowledgments. LENDER: Wells Fargo Bank, N.A. P. O. BOX 31557 BILLINGS, MT 59107 CONVEYANCE. For good and valuable consideration, the receipt and sufficiency of which is ack the Secured Debt (defined below) and Mortgagor's performance under this Securi .ty Instrument, Mt conveys, mortgages and warrants to Lender, with power of sale, the following described property: SEE ATTACHED EXHIBIT 'A' natures and owledged, and to secure ,rtgagor grants, bargains, The property is -located in L I NC 0 L N at: 793 COUNTY ROAD 121 THAYNE,(C~/~¢y) 83127 and parcel number of 34182010020400 together with all rights, ease~ner ts appurtenances, royalties, mineral rights, oil and gas rights, all water and riparian rights, ditches, and water stock and all emsUng and future improvements, structures, fixtures, and replacmnents that may now or at any tizne in the future be part of the real estate described aboye (all referred to as "Property"). - MAXIMUM OBLIGATION LIMIT. The total principal amount secured by this Security Instrument at any one time shall not exceed $ 25,000.00 . Tlfis limitation of amount does not include interest and other fees ~nd charges validly made pursuant to this Security Instrument. Also, tlfis limitation does not apply to advances made under ~he terms of this Security Instrument to protect Lender's security and to perform any of the covenants contained in this Security nstrument. SECURED DEBT AND FUTURE ADVANCES. The term "Secured Debt" is defined as follows: A. Debt incurred under the terms of the promissory note, revolving line of credit, contract, guar .nty or other evidence of debt dated 04 / 22 / 2003 together with all amendments, extensions, modifications and re~ tewals, and having a maturity date of 04 / 22 / 2043 B. All future advances from Lender to Mortgagor under such evidence of debt. All future advan :es are secured as if made on the date of this Security Instrument. Notlfing in tlfis Security Agreement shall constitute ~ commitment to make EQISOA (06/2002) EXHIBIT A SECTION 20, FOUND AS DESCRIBED IN THE CERTIFIED LAND CORNIER RECOP,.DATI CERTIFICATE Fl!,~,r) IN THE SAID OFFICE; THENCE S 89 DEGREES 40.3 lvHNUTES W, FEET, PARALLEL WITH ~ SOUTH LINE OF THE SAID SE 1/4 NE 1/4, TO A POINT O~ W'EST RIGI/T-OF-WAY LINE OF THE BEDFOP..D NORTH COUNTY ROAD NO. 12-121; T CONTINLriNG S g9 DEGKEES a0.3 NflNIYrI/s W, 329.00 FEET TO A POINT; THENCE N DEGREES I 1.8 MINUTES W, 140.00 FEET, PARALLEL WITH THE EAST LINE OF THE Sa 1/4 NE 1/4 TO A POINT; Tt[ENCE N 89 DEGREES 40.3 1Vfl]qUTES ]~, 329.00 FEET, PARAI2 WITH THE SOUTH LINE OF TI-I~ SAID SE I/4 NE 1/4 TO A POINT ON THE SAID WEST OF-WAY LIN~; THT2NCE CONTiNEJYNG N 89 DEGREES 40.3 MINUTES E, 30.00 FEET TO INCH BY 12 INCH STEEL SPIKE ON THE EAST LINE OF SAID SE 1/4 NE 1/4; THENCE S DEGREES 11.g MIIWOTES E, 140.00 FEET, ALONG THE EAST LINE OF THE SAID SE 1/4 TO THE SPIKE OF BEGINNING. THAT PART OF THE $I/1/4 NE 1/4 OF SECTION 20, T34N, R118W, LINCOLN COUNTY, oW~OMING, BEING THAT TP,_ACT CON~-Y]ED .~q TKE WARRANTY DEED RECORDEE FFICE OF ~ CLI/RK OF LINCOLN COUNTY IN BOOK 451 PK ON PAGE 113, DESCI~ FOLLOWS: BEGINNING AT A 3/8 INCH BY 12 INCH STEEL SPIKE ON TH~ EAST LINE OF THE SAID SE 1/4 NE 1/4, N 00 DEGREES 11.8 MINUTES W, 440.00 FEET FROM THE EAST 1/4 COP. NER Ol SAID SUBJECT TO RESTRICTIONS, RESERVATIONS, EASEMEKI~, COVENANTS, OIL, OAS MINERAL RIGHTS OF tLECORD, IF ANy. INTHE ON 30.00 r TI-IE ~-NC~ ~I) SE ,EL ~IGHT- A 3/$ ~0 ~EI/4 )K 545 nch commitment must be additional or future loans or advances which exceed the amount shown in Section 3. Any agreed to in a separate writing. C. All sums advanced and expenses incurred by Lender for insuring, preserving, or otherw}se protecting the Property and its value and any other sums advanced and expenses incurred by Lender under the terms of this Security Instrument. 5. PAYMENTS. Mortgagor agrees that all payments under the Secured Debt will be paid when due a~ d in accordance with the terms of the Secured Debt and this Security Instrument. 6. PRIOR SECURITY INTERESTS. With regard to any other mortgage, deed of trust, security agreement or other lien document that created a prior security interest or encumbrance on the Property, Mortgagor agrees: . A. To make all payments when due and to perform or comply with all covenants. B. To promptly deliver to Lender any notices that Mortgagor receives from the holder. C. Not to allow any modification or extension of, nor to request any future advances under am note or agreelnent secured by the lien document without Lender's prior written consent. 7. CLAIMS AGAINST TITLE. Mortgagor will pay all taxes, assessments, liens, encumbrances, lease payments ground rents charges relating to the Property when due. Lender may require Mortgagor to provide to Lend'er copies of all utilities, and other notices that such amounts are due and the receipts evidencing Mortgagor's payment. Mortgagor will defend title to the Property · against any claims that would impair the lien of the Security Instrument. Mortgagor agrees to assign to Lender as requested by I. ' Lender, any rights, claims or defenses Mortgagor may have against parties who supply labor or materials_ to maintain or improve the Property. / 8. DUE ON SALE OR ENCUMBRANCE. Upon sale, transfer, hypothecation, assignment or encumbrance whether voluntary, I ' involuntary, or by operation of law, of all or any part of the Property or any interest therein, then at its sole option, Lender may, by written notice to Mortgagor, declare all obligations secured hereby timnediately due and payable, except to the extent that such acceleration for and in such particular circumstances where exercise of such a right by Lender is prohibited by law. 9. PROPERTY CONDITION, ALTERATIONS AND INSPECTION. Mortgagor will keep the Pro~erty~ in good condition and make all repairs that are reasonably necessary. Mortgagor shall not commit or allow any waste, impairment or deterioration of the Property. Mortgagor will keep the Property free of noxious weeds and grasses. MOrtgagor agrees~ that the nature of the occupancy and use will not substantially change without Lender's prior written consent. Mortgagor will not permit any change in any license, restrictive covenant or easement without Lender's prior written consent. Mortgag ,r will notify Lender of all demands, proceedings, claims, and actions against Mortgagor, and of any loss or damage to the Prop{ :ny. Lender or Lender's agents may, at Lender's option, enter the Property at any reasonable time for the purpose of inspecting the Property. Lender shall give Mortgagor notice at the time of or before an inspection specifying a reasonable purpose for the inspection. Any inspection of the Property shall: be entirely for Lender's benefit and Mortgagor will in no way rely on Lender's inspection. 10. AUTHORITY TO PERFORM. If Mortgagor fails to perform any duty or any of the covenam contained in this Security Instrument, Lender may, without notice, perform or cause them to be performed. Mortgagor appoints Lender as attorney in fact to sign Mortgagor's name or pay any amount necessary for performance. Lender's right to perform for Mortgagor shall not create an obligation to perform, and Lender's failure to:perform will not preclude Lender frown exercising, any of Lender's other rights under the law or this Security Instrument. If an), construction on the Property is discontinued or not carried on in a reasonable manner, Lender may take all steps necessary to protect Lender's security interest in the Property, including completion of the construction. 11. ASSIGNMENT OF LEASES AND RENTS. Mortgagor irrevocably grants, bargains, conveys, mortgages and warrants to Lender as additional security all the right, title and to any and all existing or future leases, subleases, and any other written or verbal agreements for the use and occupancy of any portion of the Property., including any extensions, renewals, modifications or substitutions of such agreements (all referred to as "Leases") and rents, issues and profits (all referred to as "Rents"). Mortgagor will promptly provide Lender with true and correct copies of all existing and future Leases. Mort[gagor may collect, receive, · enjoy and use the Rents so long as Mortgagor is not in default under the terms of this Security Instrument M ......... ortgagor agrees that this assignment is immediately effective between the parties to this Security Instrument. Mortgagor agrees that this assignment is effective as to third parties when Lender takes affirmative action prescribed by law, and that this assignment will remain in effect during any redemption period until the Secured Debt is satisfied. M~rtgagor agrees that Lender maY take actual possession of the property without the necessity of commencing legal action and~ that actual possession is deemed to occur when Lender, or its agent, notifies Mortgagor of default and demands that any lenant pay all future Rents , directly to Lender. On receiving notice of default, Mortgagor x~ill endorse and deliver to Lende~ any payment of Rents in Mortgagor's possession and will receive any Rents in trust for Lender and xvill not commingle the t',ents with any other funds. Any amounts collected will be applied as provided in this Security Instrument. Mortgagor warrants :hat no default exists under the Leases or any applicable landlord/tenant law. Mortgagor also agrees to maintain and require an~ tenant to comply with the terms of the Leases and applicable law. 12. LEASEHOLDS; CONDOMINIUMS; PLANNED UNIT DEVELOPMENTS. Mortgagor a Tees to comply with the provisions of any lease if this Security Instrument is on a leasehold, lithe property is a unit in a Con, .ominium Project or is part of a Planned Unit Development ("PUD"), Mortgagor agrees to the following: EQ150B (06/2002) A. Obligations. Mortgagor shall perform all of Mortgagor's obligations under the Cm "Constituent Documents" are the: (i) Declaration or any other document which creates the Condorr any homeowners association or equivalent entity ("Owners Association"); (ii) by4aws; (iii) code of re equivalent documents. Mortgagor shall promptly pay, when due, all dues and assessments imposed Documents. B. llazard Insurance. So long as the Owners Association maintains, with a generally ac 546 stituent Documents. The mium Projects or PUD and ulations; and (iv) other ursuant to the Constituent :epted insurance carrier, a "master" or "blanket" policy on the Condominium Project or PUD which is satisfactory to Lender an fl which provides insurance coverage in the amounts, for the periods, and against the hazards Lender requires, including fire a id hazards included within the term "extended coverage," then Mortgagor's obligation under Section 19 to maintain hazard insurance coverage on the Property is deemed satisfied to the extent that the required coverage is provided by the Owner's AssOciation policy. Mortgagor shall give Lender prompt notice of any lapse in required hazard insurance coverage. In the event of a distribution of hazard insurance proceeds in lieu of restoration or repair following a loss to Property, whether to the unit olr to common elements any Proceeds payable to Mortgagor are hereby assigned and shall be paid to Lender for application to the sums secured by this Security Instrument, with any excess paid to Mortgagor. ' / C. Flood Insurance. Mortgagor agrees to maintain flood insurance for the life of the Secured Debt which is acceptable, as to form, amount and extent of coverage to Lender. / D. Public Liability Insurance. Mortgagor shall take such actions as may be reasonable~:o insure that the Owners Association maintains a public liability insurance policy acceptable in form, amount, and exte4t of coverage to Lender. E. Condemnation. The proceeds of any award or claim for damages, direct or consequential, payable to Mortgagor in connection with any condemnation or other taking of all or any part of the Property, whether of the unit or of the common elements, or for any conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. Such proceeds shall be applied by Lender to the sums secured by the Security Instrument as provided in Section 18. F. Lender's Prior Consent..Mortgagor shall not, except after notice to Lender and'with Lender's prior written consent, either partition or subdivide the Property or consent to: (i) the abandonment or termination of th~ Condominium Project or PUD, except for abandonment or termination required by law in the case of substantial destruction by fire or other casualty or in the case of a taking by condemnation or eminent domain; (ii) any amendxnent to any provision of theI Constituent Documents if the provision is for the express benefit of Lender; (iii) termination of professional management and assmnption of self- management by the Owners Association; or (iv) any action which would have the effect of rendering the public liability insurance coverage maintained by the Owners Association unacceptable to Lender. G. Remedies. If Mortgagor does not pay condominium or PUD dues and assessments when du ,', then Lender may pay them. Any amounts disbursed by Lender under ttus section shall become additional debt of Mortgage r secured by this Security Instrument. Unless Mortgagor and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Secured Debt rate and shall be payable, with interest, upon notice from Lender to Mortgagor requesting payment. 13. DEFAULT. Mortgagor will be in default if any party obligated on the Secured Debt fails to make payment when due. Mortgagor will be in default if a breach occurs under the terms of this Security Instrument or any o~ her document executed for the purpose of creating, securing or guarantying the Secured Debt. A good faith belief by Lender that Lender at any time is insecure with respect to any person or entity obligated on the Secured Debt or that the prospect of any payment or the Value of the Property is impaired shall also constitute an event of default. 14. REMEDIES ON DEFAULT. In some instances, federal and state law will require Lender to provide Mortgagor with notice of the right to cure or other notices and may establish time schedules for foreclosure actions. . I · Subject ito these hmitations, if any, Lender may accelerate the Secured Debt and foreclose this Security Instrument in a manner provideo by law if Mortgagor is in default. ! At the option of Lender, all or any part of the agreed fees and charges, accrued interest and principal shall become immediately due and payable, after giving notice if required by law, upon the occurrence of a default or anyti~ne thereafter. In addition, Lender shall be entitled to all the remedies provided by law, the terms of the Secured Debt, this S~curity Instrument and any related documents, including without limitation, the power to sell the Property. All remedies are distinct, cumulative and no't eXclusive, and the Lender is entitled to all remedies provided at law or equity, whether or not expressly set forth. The acceptance by Lender of any sum in payment or partial payment on the Secured Debt after the balanc~ is due or is accelerated or after foreclosure proceedings are filed shall not constitute a waiver of Lender's right to require complete cure of any existing default. By not exercising any remedy on Mortgagor's default, Lender does not waive Lender's righ~ to later consider the event a default if it continues or happens again. 15. EXPENSES; ADVANCES ON COVENANTS; ATTORNEYS' FEES; COLLECTION COSTS. law, Mortgagor agrees to pay all of Lender's expenses if Mortgagor breaches any covenant in Mortgagor will also pay on demand any amount incurred by Lender for insuring, inspecting, preserv the Property and Lender's security interest. These expenses will bear interest from the date of the p thehighest interest rate in effect as provided in the terms of the Secured Debt. Mortgagor agrees to incurred by.Lender in collecting, enforcing or protecting Lenders' rights and remedies under this EQ15OC (06/: ~: Except when prohibited by this Security Instrument. ing or otherwise protecting iyment until paid in full at pay all costs and expenses Security Instrument. This 547 amount may include, but is not limited to, attorneys' fees, court costs, and other legal expenses. TI amount does not include attorneys' fees for a salaried employee of the Lender. 'This Security Instrument shall remain in effect until released. Mortgagor agrees to pay for any recordation costs of such release. / n 16. ENVIRONMENTAL LAws AND HAZARDOUS SUBSTANCES. As used in this section, (1) E vironmental Law means, without limitation, the Comprehensive Environinental Response, Compensation and Liability Act (C[RCLA, 42 U. S.C. 9601 et seq.), and all other federal, state and local laws regulations, ordinances, court orders, attorney general opinions or interpretive letters concerning the public health, safety, welfare, environment or a hazardous substance; and (2) Hazardous Substance means any toxic, radioactive or hazardous material, waste, pollutant or contaminant which has characteristics which render the substance dangerous or potentially dangerous to the public health, safety, welfare or environment. The term includes, without limitation, any substances defined as "hazardous material," "toxic substances," "hazardous waste' or "hazardous substance" under any Environmental Law. Mortgagor represents, warrants and agrees that: A. Except as previously disclosed and acknowledged in writing to Lender, no Hazardous Subftance is or will be located, stored or released on or in the Property. This restriction does not apply to small quantiti~ s of Hazardous Substances that are generally recognized to be appropriate for the normal use and maintenance of the PrOperty. B. Except as previously disclosed and acknowledged in writing to Lender, Mortgagor and every/tenant have been, are, and shall remain in full compliance with any applicable Environmental Law. I C. Mortgagor shall immediately notify Lender if a release or threatened release of a Hazardous ISubstance occurs on, under or about the Property or there is a violation of any Environmental Law concerning the Property. In such an event, Mortgagor shall take all necessary remedial action in accordance with any Environmental LAw. D. Mortgagor shall immediately notify Lender in writing as soon as Mortgagor has reason to (elieve there is any pending or threatened investigation, claim, or proceeding relating to the release or threatened I release of any Hazardous Substance or the violation of any Environmental Law. 17. CONDEMNATION. Mortgagor will give Lender prompt notice of any pending or threatened action, by private or public entities to purchase or take any or all of the Property through condemnation, eminent domain, or an~ other means. Mortgagor authorizes Lender to intervene in Mortgagor' name in any of the above described actions or clai~ns. Mortgagor assigns to Lender the proceeds of any award or claim for damages connected with a condemnation or other taking of all or any part of the Properly. Such proceeds shall be considered payments and will be applied as provided in this Security Instrument. This assignment of proceeds is subject to the terms of any prior mortgage, deed of trust, security agreemenI or other lien document. 18. INSURANCE. Mortgagor shall keep Properly insured against loss by fire, flood, theft and other hazards and risks reasonably associated with the Property due to its type and location. This insurance shall be maintained in the ~mounts and for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Mortgagor s~bject to Lender's approval, which shall not be unreasonably withheld. If Mortgagor fails to maintain the coverage described above, Lender may, at Lender's Option, obtain coverage to protect Lender's fights in the Property according to the terms of this Sec,ufity Instrument. All insuran,c,e policies and renewals shall be acceptable to Lender and shall include a standard ' m~rtgage clause" and, where applicable, loss payee clause." Mortgagor shall immediately notify Lender of cancellation or termination of the insurance. · I . Lender shall have the fight to hold the policies and renewals. If Lender requires, Mortgagor shall ~mmedmtely give to Lender 'all receipts of paid premiums and renewal notices. Upon loss, Mortgagor shall give immediate notice to the insurance carrier and Lender. Lender may make proof of loss if not made immediately by Mortgagor. repair Unless otherwise agreed in writing, all insurance proceeds shall be applied to the restoration or of the Property or to the Secured Debt, whether or not then due, at Lender's option. Any application of proceeds to principal shall not extend or postpone the due date of the scheduled payment nor change the amount of any payment. Any excess will be paid to Mortgagor. If the Property is acquired by Lender, Mortgagor's right to any insurance policies and proceeds resulting from damage to the Property before the acquisition shall pass to Lender to the extent of the Secured Debt immediately before the achuisition 19. ESCROW FOR TAXES AND INSURANCE. Unless other~vise provided in a separate agreem¢l:nt, Mortgagor will not be required to pay to Lender funds for taxes and insurance in escrow. / 20. FINANCIAL REPORTS AND ADDITIONAL DOCUMENTS. Mortgagor will provide to Lender upon request, any financial statement or information Lender may deem reasonably necessary. Mortgagor agrees to fign, deliver, and file any additional documents or certifications that Lender may consider necessary to perfect, continue, and preserve Mortgagor's obligations under this Security Instrument and Lender's lien status on the Property. 21. JOINT AND INDIVIDUAL LIABILITY; CO-SIGNERS; SUCCESSORS AND ASSIGNS BO[ ND. All duties under this Security Instrument are joint and individual. If Mortgagor signs this Security Instrument but does m sign an evidence of debt, Mortgagor does so only to mortgage Mortgagor's interest in the Property to secure payment of the S¢ :ured Debt and Mortgagor does not agree to be personally liable on the Secured Debt. If this Security Instrument secures a guaranty between Lender and Mortgagor, Mortgagor agrees to waive any rights that may prevent Lender from bringing any action ~r claim against Mortgagor or any party indebted under the obligation. These rights may include, but are not limited to, any anti-deficiency or one-action laws. Mortgagor agrees that Lender and any party to this Security Instrument may extend, modify ~r make any change in the terms of this Security Instrument or any evidence of debt without M0rtgagor's consent. Such h change will not release EQ150D (06/2002) Mortgagor from the terms of tlfis Security Instrument. The duties and benefits of this Security Instru nent shall bind and benefit the successors and assigns of Mortgagor and Lender. 22. APPLICABLE LAW; SEVERABILITY; INTERPRETATION. This Security Instrument is governed by the laws of the jurisdiction in which the Property is located except to the extent otherwise required by the laws of the/jurisdiction where the Property is located. This Security Instrument is complete and-fully integrated. This Security InstrUn~ent may not be amended of modified by oral agreement. Any section in this Security Instrument, attachinents, or any agreement related to the Secured Debt that conflicts with applicable law will not be effective, unless that law expressly or impliedly permi[s the variations by written agreement. If any section of tiffs Security Instrument cammt be enforced according to its terms, that section will be severed and will not affect the enforceability of the remainder of this Security Instrument. Whenever used, th~ singular shall inclnde the plural and the plural the singular. The captions and headings of the sections of this Security Inst~ment are for convenience only and are not to be used to interpret or define the terms of tiffs Security Instrument Time is of the essence in this Security Instrument. In the event any section of this Security Instrument directly conflicts with any section of a certain Home Equity Closing Handbook which contains the Account Agreement Terms and Conditions (as applicable), Fixed Rate Note Terms and Conditions (as applicable), the Arbitration Agreement, and the Agreement to Provide Flood/Propert Insurance, all of which I agree to by signing this Security Instrument, the terms of the Ho~ne Equity Closing Handbook shall cc ntrol. 23. NOTICE. Unless otherwise required by law, any notice shall be given by delivering it or by mailin it by first class mail to the appropriate party's address on page 1 of tiffs Security Instrument, or as shown in Lender's records or to any other address designated in writing. 24. WAIVERS. Except to the extent prohibited by law, Mortgagor waives any right regarding the mars halling of liens and assets, and hereby releasing and waiving all fights under and by virtue of the homestead exemption laws of this state. 25. OTHER TERMS. If checked, the following are applicable to this Security Instrument: ~ Line of Credit. The Secured Debt includes a revolving line of credit provision. Althougt the Secured Debt ma), be reduced to a zero balance, this Security Instnm~ent will remain in effect until released. ~TX-] Construction Loan. Tiffs Security Instrument secures an obligation incurred for the const uction of an iInprovement on the Property. ~ Fixture Filing. Mortgagor grants to Lender a security interest in all goods that Mortgagor owns now or in the future and that are or will become fixtures relates to the Property. This Security Instrument suffice, s as a financing statement . and any carbon, photographic or other reproduction may be filed of record for purposes qf Article 9 of the Uniform Commercial Code. I ~ Additional Terms. ' 26. RIDERS. If checked, the following are applicable t° tiffs Security Instrument. The covenants and agreements of each of the riders checked below are incorporated into and supplement and amend the terms of this Security InstrUment. [1WN Third Party Rider ~ Leasehold Rider ~ Other ' · to the terms and covenants contained in thi "e '~ I ' ' ' ' SIGNATURES: By signing below, Mortgagor agrees s ~ curny nstrument ano m any attachments. Mortgagor also acknowledges receipt of a copy of this Security Instrument on the date slated on page 1. JE MANJZ['¥p' ~ SCIq/~ ! Mortgagor / I3ate EQ150E (06~: . ,:. Mortgagor Mortgagor Mortgagor Mortgagor Date Date Date Date ACKNOWLEDGMENT: (Individual) STATE OF [/~)~ tO ~ / COUNTY OF /-- 1'/'/ff~_')// The foregoing instrument was acknowledged before me by this ,~ ~ day of &-/9 }.-,' j Witness my hand and official seal. (Signature of Officer) (Title ~)fOffice}) ~ My Comnfission Expires: ---%~'- ~ff~5-~ -,-5(-Pd ~, (Seal) ACKNOWLEDGMENT: (Individual) STATE OF COUNTY OF The foregoing instrument was acknowledged before me by this day of Witness my hand and official seal. (Signature of Officer) (Title of Olticer) My Conmfission Expires: (Seal) EQISOF (06/2002)