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HomeMy WebLinkAbout904796a Recording requested by: Wells Fargo Bank N.A. Wells Fargo Home Equity 7600 Office Plaza Drive West Des Moines. IA 50266 When recorded tatum to: Wells Fargo Bank N.A. Wells Fargo Services Consumer Loan Servicing P.O. Box 31557 Billings, MT 59107 StYe of Wyoming 1. DATE AND PARTI]gS. 18 October RECEIVED 11/24/2004 at 10:15 AM RECEIVING # 904796 BOOK: 573 PAGE: 37'1 ,JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY Spacv k hm e this Line For Recording Date MORTGAGE ~}1~ 65056547180001 (With Furore Advance C],,ttlSC) ~[ { ~ The date of this Deed ~>l' Trust ("Security Instrument") is 2004 and the parties, their :~ddrcsses and tax identification numbers, if required, are as follows: MORTGAGOR: JAY BROWN, AND KIM S BROWN, F--] if checked, refer to the attached Addendum incorpon~cd herein, for additional Mortgagors their signatures and acknowledgments. LENDER: Wells Fargo Bank N.A. 420 Montgomery Street San Francisco. CA 94104 CONVEYANCE. For good and valuable consideration, ~hc receipt and sufficiency of which is acknowledged, and to secure the Secured Debt (defined I,~.h,w} and Mortgagor's performance under this Security Instrument, Mortgagor grants, bargains, c~xc3's, mortgages and warrants to Lender, with power of sale, the following described property: See attached Exhibit A The property is located in Lincoln at 16/g TROY COURT (County) (Address) KEMMERER , , Wyoming 83101 (City) /~i ('ode) WYOMING - MASTER FORM MORTGAGE Page I of 8 LEWY1 10403! VMP ~o,g,g, So,,,,o,, ~00,~:~ .~,, 20042603161506 037,2 Together with all rights, easements, appurtenances, royal~ .... mineral rights, oil and gas rights, all water and riparian rights, ditches, and water stock and :dl existing and future improvements, structures, fixtures, and replacements that may now or zn n) time m the future be part of the real estate described above (all referred to as "Property"). 3. MAXIMUM OBLIGATION LIMIT. The total principal ,nnmlnt secured by this Security Instrument at any one time shall not exceed $19. 172.00 . This limitation of amount does not include interest and other fees and charges validly made lmrsuan~ to this Security Instrument. Also, this limitation does not apply to advances made under thc tcnns (it' this Security Instrument to protect Lender's security and to perform any of the covenants com:n~.d in this Security Instrument. 4. SECURED DEBT AND FUTURE ADVANCES. The tcrn~ "Secured Debt" is defined as follows: A. Debt incurred under the terms of the promissor~ ttt~tc, revolving line of credit, contract, guaranty or other evidence of debt dated 10/18/2004,}gcthcr with all amendments, extensions, modifications or renewals. The maturity date of thc 5~.ctn'cd Debt is 10/18/2034 B. All future advances from Lender to Mortgagor undc~ ~nch evidence of debt. All future advances are secured as if made on the date of this Seem it) Instrument. Nothing in this Security Agreement shall constitute a commitment to make addilitmal or future loans or advances which exceed the amount shown in Section 3. Any such c~,~nnitment must be agreed to in a separate writing. C. All sums advanced and expenses incurred by Lender Iht insuring, preserving or otherwise protecting the Property and its value and any othc: stuns advanced and expenses incurred by Lender under the terms of this Security Instrument. 5. PAYMENTS. Mortgagor agrees that all payments under ~hc Secured Debt will be paid when due and in accordance with the terms of the Secured Debt and this %cctn-ity Instrument. 6. PRIOR SECURITY INTERESTS. With regard to an) ~,thcr mortgage, deed of trust, security agreement or other lien document that created a prior scctn'tty interest or encumbrance on the Property, Mortgagor agrees: A. To make all payments when due and to perform or c'~,~q%, with all covenants. B. To promptly deliver to Lender any notices that Mort s,:tt,~,r receives from the holder. C. Not to allow any modification or extension of, nor t~ request any future advances under any note or agreement secured by the lien document with,,tn I.cnder's prior written consent. 7. CLAIMS AGAINST TITLE. Mortgagor will pay all la×cs, ~tsscssments, liens, encumbrances, lease payments, ground rents, utilities, and other charges relali~g ~o the Property when due. Lender may require Mortgagor to provide to Lender copies of all noticc~ th:~t such amounts are due and the receipts evidencing Mortgagor's payment. Mortgagor will defend ~itlc [o the Property against any claims that would impair the lien of the Security Instrument. Mortgag,,r :~grees to assign to Lender, as requested by Lender, any rights, claims or defenses Mortgagor may h',t\,c against parties who supply labor or materials to maintain or improve the Property. 8. DUE ON SALE OR ENCUMBRANCE. Upon sale. ~nmsfcr, hypothecation, assignment or encumbrance, whether voluntary, involuntary, or by Ol3Cnni~m of law, of all or any part of the Property or any interest therein, then at its sole option, I.c'n&'r may, by written notice to Mortgagor, declare all obligations secured hereby immediately due ;n~d l~ayable, except to the extent that such acceleration for and in such particular circumstances wh~.r~, exercise of such a right by Lender is prohibited by law. 9. PROPERTY CONDITION, ALTERATIONS AND INhI'ECTION. Mortgagor will keep the Property in good condition and make all repairs that arc i t';istmably necessary. Mortgagor shall not commit or allow any waste, impairment, or deterioratio~ ,,f Iht Property. Mortgagor will keep the Property free of noxious weeds and grasses. Mortgagor ag~ c~'s that the nature of the occupancy and use will not substantially change without Lender's prior wrincn c(mscnt. Mortgagor will not permit any change in any license, restrictive covenant or easement xxithout Lender's prior written consent. WYOMING - MASTER FORM MORTGAGE LEWY2 ~0403, Page ~ o, 8 20042603161506 090479 Mortgagor will notify Lender of all demands, proceedings, clzfims, ,'md actions against Mortgagor. and of any loss or damage to the Property. Lender or Lender'~ :,,cms may, at Lender's option, enter the Property at any reasonable time for the purpose of ],-. t.c'ting the Property. Lender shall give Mortgagor notice at the time of or before an inspectit,n ,q~ccil'ying a reasonable purpose for the inspection. Any inspection of the Property shall be entirel) ~,, l.cnder's benefit and Mortgagor will in no way rely on Lender's inspection. 10. AUTHORITY TO PERFORM. If Mortgagor fails to i~,~fi,-m auy duty or any of the covenants contained in this Security Instrument, Lender may, will,,nt nonce, perform or cause them to be performed. Mortgagor appoints Lender as attorney in t",,'l .. sign Mortgagor's name or pay any amount necessary for performance. Lender's right to pc~l~,rm for Mortgagor shall not create an obligation to perform, and Lender's failure to perform will ~, ~t preclude Lender from exercising any of Lender's other rights under the law or this Security Instrun~'n.. Il' any construction on the Property is discontinued or not carried on in a reasonable manner, Lcmk. r may take all steps necessary to protect Lender's security interest in the Property, including compk, t i,,n ~1' the construction. 11. ASSIGNMENT OF LEASES AND RENTS. Mortga~,,,~' irrevocably grants, bargains, conveys, mortgages and warrants to Lender as additional security ztll thc right, title and to any and all existing or future leases, subleases, and any other written or verb:~l :~grccments for the use and occupancy of any portion of the Property, including any extensions, renc'~ ztl~. modifications or substitutions of such agreements (all referred to as "Leases") and rents, issue~ :hid profits (all referred to as "Rents"). Mortgagor will promptly provide Lender with true and con',.~'t ctu)ies of all existing and future Leases. Mortgagor may collect, receive, enjoy and use the Rents ,,, hmg as Mortgagor is not in default under the terms of this Security Instrument. Mortgagor agrees th:~ this assignment is immediately effective between the parties to this Security Instrument. Mortgagor :w roes that this assignment is effective as to third parties when Lender takes affirmative action presc~ibc,d I)y law, and that this assignment will remain in effect during any redemption period until the ~qc'c'urcd Debt is satisfied. Mortgagor agrees that Lender may take actual possession of the property x~ilht,ul the necessity of commencing legal action and that actual possession is deemed to occur when I t~ndcr, or its agent, notifies Mortgagor of default and demands that any tenant pay all future Rents ,Incctly to Lender. On receiving notice of default, Mortgagor will endorse and deliver to Lender ',"~3 payment of Rents in Mortgagor's possession and will receive any Rents in trust for Lender '.mt will not commingle the Rents with any other funds. Any amounts collected will be applied as provided in this Security Instrument. Mortgagor warrants that no default exists under the Leases or any appI i~'~hlc landlord/tenant law. Mortgagor also agrees to maintain and require any tenant to comply with thc. ic. rms of the Leases and applicable law. 12. LEASEHOLDS; CONDOMINIUMS; PLANNED UNIT IH,;VEI~OPi~{ENTS. Mortgagor agrees to comply with the provisions of any lease if this Security Inq~ nment is on a leasehold. If the property is a unit in a Condominium Project or is part of a Planned I/nit Development ("PUD"), Mortgagor agrees to the following: A. Obligations. Mortgagor shall perform all of Mol'tb,,tgt~r's obligations under the Constituent Documents. The "Constituent Documents" are the: ~ l)ccl,ration or any other document which creates the Condominium Projects or PUD and any ht,n~cowners association or equivalent entity ("Owners Association"); (ii) by-laws; (iii) code ~,1' regulations; and (iv) other equivalent documents. Mortgagor shall promptly pay, when dnc, all dues and assessments imposed pursuant to the Constituent Documents. B. Hazard Insurance. So long as the Owners Associ~tli,m inaintains, with a generally accepted insurance carrier, a "master" or "blanket" policy on thc C,mdominium Project or PUD which is satisfactory to Lender and which provides insurance t'~,vcragc in the amounts, for the periods, and against the hazards Lender requires, including I~rc and hazards included within the term "extended coverage," then Mongagor's obligan~m ttnder Section 19 to maintain hazard insurance coverage on the Property is deemed satisfic~,l ~,~ Ibc extent that the required coverage is WYOMING - MASTER FORM MORTGAGE LEWY3 (0403) Page 3 of 8 20042603161506 096 ,- 0 374 13. 14. provided by the Owner's Association policy. Mortg:?,.' shall give Lender prompt notice of any lapse in required hazard insurance coverage.. In thc L, tnt of a distribution of hazard insurance proceeds in lieu of restoration or repair following, l,}~s t~ Property,. whether to the unit or to common elements, any proceeds payable to Mortg:~,, :,'c hereby assigned and shall be paid to Lender for application to the sums secured by this ~c'~'.rily Instrument, with any excess paid to Mortgagor. C. Flood Insurance. Mortgagor agrees to maintain floo~l instH'ance for the life of the Secured Debt which is acceptable, as to form, amount and extent ol', ,wcrage to Lender. D. Public Liability Insurance. Mortgagor shall take s,d~ acti.ns as may be reasonable to insure that the Owners Association maintains a public li,,I.il.v insurance policy acceptable in form, amount, and extent of coverage to Lender. E. Condemnation. The proceeds of any award or t:l:~i~ fi,- damages, direct or consequential, payable to Mortgagor in connection with any condcn,l,dion or other taking of all or any part of the Property, whether of the unit or of the common d~.inc, ts, or for any conveyance in lieu of condemnation, are hereby assigned and shall be paid it~ l.cnder. 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, excq, al'tot notice to Lender and with Lender's prior written consent, either partition or subdixidc tile Property or consent to: (i) the abandonment or termination of the Condominium I'r,~jt'cl or PUD, except for abandonment or termination required by law in the case of substantktl destruction by fire or other casualty or in the case of a taking by condemnation or eminent dJ,~ztin; (ii) any amendment to any provision of the Constituent Documents if the provision ~> fi.' tile express benefit of Lender; (iii) termination of professional management and assmnl)t~on of self-management by the Owners Association; or (iv) any action which would have thc cl'lL~ct of rendering the public liability insurance coverage maintained by the Owners Associ:~t i~,n unacceptable to Lender. G. Remedies. If Mortgagor does not pay condominium ~r PLJD dues and assessments when due. then Lender may pay them. Any amounts disbursed h~ l.cnder under this section shall become additional debt of Mortgagor secured by this Securil3 I~stl'ument. Unless Mortgagor and Lender agree to other terms of payment, these amounts shall h~.:,' interest from the date of disbursement at the Secured Debt rate and shall be payable, x~idl imcrcst, upon notice from Lender to Mortgagor requesting payment. DEFAULT. Mortgagor will be in default if any party ol,li;,,:,cxl on the Secured Debt fails to make payment when due. Mortgagor will be in default if a brc'.~d~ t~CCtll'S under the terms of this Security Instrument or any other document executed for the purpo,c ~d' creating, securing or guarantying the Secured Debt. A good faith belief by Lender that Lender ,. :my rune is insecure with respect to any person or entity obligated on the Secured Debt or that thc I" t'~l)cot of any payment or the value of the Property is impaired shall also constitute an event of defaull. REMEDIES ON DEFAULT. In some instances, federal :,~d slate law will require Lender to provide Mortgagor with notice of the right to cure or other nt.~c'cs and inay establish time schedules for foreclosure actions. Subject to these limitations, if any, I.c~,lcr may accelerate the Secured Debt and foreclose this Security Instrument in a manner provided )3 law il' Mortgagor is in default. At the option of Lender. all or any pan of the agreed fees and cl~:,?es, accrued interest and principal shall become immediately due and payable, after giving notice il ~C~luircd by law, upon the occurrence of a default or anytime thereafter. In addition, Lender shall be c,~i~lcd to all the remedies provided by law, the terms of the Secured Debt, this Security Instrument an,I :m3 related documents, including without limitation, the power to sell the Property. All remedies art' d iq inet, cumulative and not exclusive, and the Lender is entitled to all remedies provided at law or equn3 , whether or not expressly set forth. The acceptance by Lender of any sum in payment or partial pa3 m~'m on the Secured Debt after the balance is due or is accelerated or after foreclosure proceedings .~ ~. tiled shall not constitute a waiver of or WYOMING - MASTER FORM MORTGAGE LEWY4 1o4o3~ Page ~ o,. 20042603161506 Lender's right to require complete cure of any existing &q':mlt. By not exercising any remedy on Mortgagor's default, Lender does not waive Lender's right t,, later consider the event a default if it continues or happens again. 15. EXPENSES; ADVANCES ON COVENANTS; ATTORNEYS;' FEES; COLLECTION COSTS. Except when prohibited by law, Mortgagor agrees to p% :~11 t)l' Lender's expenses if Mortgagor breaches any covenant in this Security Instrument. Mortg:~,,,~ will also pay on demand any amount incurred by Lender for insuring, inspecting, preserving .,~ ,,Iherwise protecting the Property and Lender's security interest. These expenses will bear interest i~,,m thc date of the payment until paid in full at the highest interest rate in effect as provided in Ibc ~cnns of the Secured Debt. Mortgagor agrees to pay all costs and expenses incurred by Lender in c', ~t k.cting, enforcing or protecting Lenders' rights and remedies under this Security Instrument. This mn,,tlllt may include, but is not limited to, attorneys' fees, court costs, and other legal expenses. This :~t(~Hilt does not include attorneys' fees for a salaried employee of the Lender. This Security Instrumt..nt shall remain in effect until released. Mortgagor agrees to pay for any recordation costs of such rch'nsc. 16. ENVIRONMENTAL LAWS AND HAZARDOUS SUIltqTANCES. As used in this section, (I) Environmental Law means, without limitation, the C,,~tt,)rchcnsive Environmental Response, Compensation and Liability Act (CERCLA, 42 U.S.C. 961~t ~.i seq.), and all other federal, state and local laws, regulations, ordinances, court orders, attornc) ,~,cncral opinions or interpretive letters concerning the public health, safety, welfare, environnt~.nt or a hazardous substance: and (2) Hazardous Substance means any toxic, radioactive or h:~/:trdous material, waste, pollutant or contaminant which has characteristics which render the sub~nmcc dangerous or potentially dangerous to the public health, safety, welfare or environment. Thc ~crm includes, without limitation, any substances defined as "hazardous material," "toxic subsnmccs." "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 Substance is or will be located, stored or released on or in the lq',q,cny. This restriction does not apply to small quantities of Hazardous Substances that are genc~ ',dly recognized to be appropriate for the normal use and maintenance of the Property. B. Except as previously disclosed and acknowledged in xx~iting to Lender, Mortgagor and every tenant have been, are, and shall remain in full compli:n~cc with any applicable Environmental Law. C. Mortgagor shall immediately notify Lender if a relc:~c or threatened release of a Hazardous Substance occurs on, under or about the Property or lhcrc is a violation of any Environmental Law concerning the Property. In such an event, M~nl[..;~gor shall take all necessary remedial action in accordance with any Environmental Law. D. Mortgagor shall immediately notify Lender in wrili~t:2 ;t~, soon as Mortgagor has reason to believe there is any pending or threatened investig;n ~,,n. claim, or proceeding relating to the release or threatened release of any Hazardous Subsnmc~. ~- the violation of any Environmental Law. 17. CONDEMNATION. Mortgagor will give Lender prompt n, }1 k'c t~l' any pending or threatened action, by private or public entities to purchase or take any or 'al ~,~ ~hc Property through condemnation, eminent domain, or any other means. Mortgagor authorizes t t'ntlcr to intervene in Mortgagor's name in any of the above described actions or claims. Mortgag,,~ :~signs to Lender the proceeds of any award or claim for damages connected with a condemnati~m ,~ t~thcr taking of all or any part of the Property. Such proceeds shall be considered payments and x~ ~1 hc applied as provided in this Security Instrument. This assignment of proceeds is subject to the tc~ tns ol' any prior mortgage, deed of trust, WYOMING - MASTER FORM MORTGAGE LEWY5 {0403) Page 5 of 8 20042603161506 18. 19. 20. 21. 22. INSURANCE. Mortgagor shall keep Property insured :~',nn~t [()ss by fire, flood, theft and other hazards and risks reasonably associated with the Pro. perry ~h., .~ its type and location. This insurance shall be maintained in the amounts and for the periods th.n I cndcr requires. The insurance carrier providing the insurance shall be chosen by Mortgagor subjc~'~., l.cuder's approval, which shall not be unreasonably withheld. If Mortgagor fails to maintain thc ~',,x ct.ge described above. Lender may. at Lender's option, obtain coverage to protect Lender's rigln~ ~ Ihe Property according to the terms of this Security Instrument. All insurance policies and renew:tl~ ~l.dl be acceptable to Lender and shall immediately notify Lender of cancellation or termination ~,1 ~h~· nst~rance, Lender shall have the right to hold the policies and renewals. If Lender requires, Mort,:,~?.,~r shall immediately give to Lender all receipts of paid premiums and renewal notices. Upon los~. ~hn'tg~gor shall give immediate notice to the insurance carrier and Lender. Lender may make p~,.,l' ~l~ loss if not made immediately by Mortgagor. Unless otherwise agreed in writing, all in~n~.nc'c proceeds shall be applied to the restoration or repair of the Property or to the Secured D~,I., whc~ther or not then due, at Lender's option. Any application of proceeds to principal shall n,,I ~.x~,nd or postpone the due date of the scheduled payment nor change the amount of any paymeni. \% excess will be paid to the Mortgagor. If the Property is acquired by Lender, Mortgagor's rigln ,~ ;~,~y insurance policies and proceeds resulting from damage to the Property before the acquisiti~.~ ~hzdl pass to Lender to the extent of the Secured Debt immediately before the acquisition. ESCROW FOR TAXES AND INSURANCE. Unless oll.,~ xx i.~c provided in a separate agreement, Mortgagor will not be required to pay to Lender funds for .~'~t.~ m~d insurance in escrow. FINANCIAL REPORTS AND ADDITIONAL DOCUM I<",TS. Mortgagor will provide to Lender upon request, any financial statement or information I,..dc, r may deem reasonably necessary. Mortgagor agrees to sign, deliver, and file any additional ti, ~'.n~cnt g or certi fications that Lender may consider necessary to perfect, continue, and preserve M,.~.gt~r's obligations under this Security Instrument and Lender's lien status on the Property. JOINT AND INDIVIDUAL LIABILITY; CO-SIGNKRh; SUCCESSORS AND ASSIGNS BOUND. All duties under this Security Instrument are joi~n .nd it~dividual. If Mortgagor signs this Security Instrument but does not sign an evidence of d~q., ~lortgagor does so only to mortgage Mortgagor's interest in the Property to secure payment of ~hc ~c'c't~red Debt and Mortgagor does not agree to be personally liable on the Secured Debt. If thi~ 5<.c.rity Instrument secures a guaranty between Lender and Mortgagor. Mortgagor agrees to waive..ny rights that may prevent Lender from bringing any action or claim against Mortgagor or any i).. ~y indebted under the obligation, These rights may include, but are not limited to. any anti-deficit'nt') ~' one-action laws. Mortgagor agrees that Lender and any party to this Security Instrument may t'~lc,ntl, modify or make any change in the terms of this Security Instrument or any evidence of debt x~n h, ,tn Mortgagor's consent. Such a change will not release Mortgagor from the terms of this Security I.~Irmnent. The duties and benefits of this Security Instrument shall bind and benefit the successors antl :~igns of Mortgagor andLender, APPLICABLE LAW; SEVERABILITY; INTERPRI,YI'ATI()N. This Security Instrument is governed by the laws of the jurisdiction in which thc IY,~Uc.'ty is located, except to the extent otherwise required by the laws of the jurisdiction wht~rc thc Property is located. This Security Instrument is complete and fully integrated. This Security In~,~ n.~ent may not be amended or modified by oral agreement. Any section in this Security Instrume,n, .nl.clnnents. or any agreement related to the Secured Debt that conflicts with applicable law will n~. lit, c. ITcctive, unless that law expressly or impliedly permits the variations by written agreement. If .%, section of this Security Instrument cannot be enforced according to its terms, that section will be severed and will not affect the enforceability of the remainder of this Security Instrument. \Vhc'never used, the singular shall include the plural and the plural the singular. The captions anti I.,:. ings of the sections of this Security Instrument are for convenience only and are not to be ust~d .~ interpret or define the terms of this Security Instrument. Time is of the essence in this Security h ~ n.nci~t. In the event any section of this WYOMING - MASTER FORM MORTGAGE LEWY6 {0403) Page ~ o, ~ 20042603161506 Security Instrument directly conflicts with any section oi thc rcvolvintg line of credit agreement or promissory note referenced in Section 4, the terms and ~,mditious olthe revolving line of credit agreement or promissory note (as applicable), the.arbitrati,m m,.rccment and the aereement to provide agreement or pr. omissory note (as applicable), the arbitral i~ u~ u~rccment and' the a~reement to ~rovide floo.d./property ~nsurance, all of.which I agree to by signi~? this Security Instrument, the terms and condinons of said documents and not the Security Instrument ~hall control. 23. NOTICE. Unless otherwise required by law, any notice shall hc giveu by delivering it or by mailing it by first class mail to the appropriate party's address on lUmC I of this Security Instrument, or as shown in Lender's records, or to any other address design:nu~ n writing. 24. WAIVERS. Except to the extent prohibited b}, law, M,,rlgagor waives and right regarding the marshalling of liens and assets, and hereby releasing and x~:t lng all rights under and by virtue of the homestead exemption laws of this state. 25. OTItER TERMS. If checked, the following are applicable ~,, this Security Instrument: ~-] Line of Credit. The Secured Debt includes a rex ,qving line of credit provision. Although the Secured Debt may be reduced to a zero balauuu, this Security Instrument will remain in effect until released. [-~ Construction Loan. This Security Instrument sCCtlres an obligation incurred for the construction of an improvement on the Property. ~ Fixture Filing. Mortgagor grants to Lender a security iuterest in all goods that Mortgagor owns now or in the future and that are or will bcc~unc fixtures related to the Property. This Security Instrument suffices as a financing statemum and any carbon, photographic or other reproduction may be filed of record for purpose., ,,f Article 9 of the Uniform Commercial Code. [---] Additional Terms. SIGNATURES: By signing below, Mortgagor agrees to the ten~s and covenants contained in this Security Instrument and in any attachments. Mortgagor also acknowlu~ uus receipt of a copy of this Security Instrument on the date stated on page 1. dortga(~r-- - /' '~ ~3at~ Mortgag,,, Date JAY BROWN KIN S Mortgagor Date Mortgag,,, Date Mortgagor Date Mortgagt, Date Mortgagor Date Mortgag,, Date WYOMING - MASTER FORM MORTGAGE LEWY7 {04031 Page 7 of 8 20042603161506 ACKNOWLEDGMENT: (Individual) STATE OF ~Y COUNTY OF Lq nco] n The foregoing instrument was acknowledged before me by 3AY BR0C/N. Kllq S BR0~/N this /~7~ dayof Witness my hand and official seal. (Seal) WYOMING - MASTER FORM MORTGAGE LEWYS ~o,~o~ .~. ~ o, ~ 20042603161506 EXHIBIT A: LOT 4B OF BLOCK ONE (1) OF THE LINCOLN tll~ I¢'11 ITS 5TM ADDITION, FINCT FILLING, TO THE CITY OF KEMMERER, LINCOI N ()OUNTY; WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOI., 't ()G ETHER WITH ALL BUILDINGS, IMPROVEMENTS AND APPURTEN, \ NC lis THEREON SITUATE OR IN ANYWISE APPERTAINING THERETO.