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HomeMy WebLinkAbout905497Recor~ng requested by: Wells Fargo Bank N.A. Wells Fargo Equity Direct 7600 Office Plaza Drive South West Des Moines, Iowa 50266 When recorded retum to: Wel 1 s Fargo Bank N.A. Wells Fargo Services Consumer Loan Servicing P.O. Box 31557 Bi 11 i rigs, MT 59107 State of Wyoming 1. DATE 29 RECEIVED 12/27/2004 at 11:36 AM RECEIVING # 905497 [30OK: 575 PAGE: 881 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY Spnt'c \lm~ c this Line For Recording Date MORTGAGE il 65062635771998 (With Furore Advance Clutn,c) )(QJ AND PARTIES. The date of this Deed ~,t' Trust ("Security Instrument") is November 2004 and the parties, their :ttldrcsscs and tax identification numbers, if required, are as follows: MORTGAGOR: SC01q- C. LUSTY. THE ENTIRETIES AND ANITA M. LUSTY, HUSBAND AND WIFE, AS TENANTS BY [--] If checked, refer to the attached Addendum incorpor:ncd herein, for additional Mortgagors their signatures and acknowledgments. LENDER: Wells Fargo Bank N.A. 420 Montgomery Street San Francisco, CA 94104 o CONVEYANCE. For good and valuable consideration, d~c receipt and sufficiency of which is acknowledged, and to secure the Secured Debt (defined bch>x~) and Mortgagor's performance under this Security Instrument, Mortgagor grants, bargains, couvc.~s, mortgages and warrants to Lender, with power of sale, the following described property: See attached Exhibit A Tax ID 31191520037200 & 311915200 The property is located in Li ncol n at 2384 SPRING CREEK ROAD (County) (Address) FAIRVIEW , Wyoming 83119 (City) ~ / q, (',~dc) WYOMING - MASTER FORM MORTGAGE Page 1 of 8 LEWY'~ Io,~o~ ,,,,,,P,V,o,~,,ge ~o,.,,o,,~ ~oo,~ : 20043003321488 Together with all rights, easements, appurtenances, roy:ti tics. mineral rights, oil and gas rights, all water and riparian rights, ditches, and water stock ',tnd zdl existing and future improvements, structures, fixtures, and replacements that may now or ',n :my time in the future be part of the real estate described above (all referred to as "Property"). 3. MAXIMUM OBLIGATION LIMIT. The total princip:tl ',nn/mnt secured by this Security Instrument at any one time shall not exceed $ 25,000.00 . This limitation of amount does not include interest and other fees and charges validly made imrsuant to this Security Instrument. Also, this limitation does not apply to advances made under thc terms of this Security Instrument to protect Lender's security and to perform any of the covenants c()nl:tiltcd in this Security Instrument. 4. SECURED DEBT AND FUTURE ADVANCES. The tc~ m "Secured Debt" is defined as follows: A. Debt incurred under the terms of the promissor3 ~/,tc, revolving line of credit, contract, guaranty or other evidence of debt dated ll/29/2004,}~cther with all amendments, extensions, modifications or renewals. The maturity date of thc Nc'L'tlrcd Debt is 11/29/2044 B. All future advances from Lender to Mortgagor under sttGh evidence of debt. All future advances are secured as if made on the date of this Scctn'itx Instrument. Nothing in this Security Agreement shall constitute a commitment to make :td<litio]ml or future loans or advances which exceed the amount shown in Section 3. Any such c,,tnmitment must be agreed to in a separate writing. C. All sums advanced and expenses incurred by 1_~.~1~.~ I't)r 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 tt~c 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 ztnx /,ther mortgage, deed of trust, security agreement or other lien document that created a pril,t ~ccurity interest or encumbrance on the Property, Mortgagor agrees: A. To make all payments when due and to perform or c',,mI)ly with all covenants. B. To promptly deliver to Lender any notices that M<mT:~:<~r receives from the holder. C. Not to allow any modification or extension of, n,,r I~, request any future advances under any note or agreement secured by the lien document wid~,,t~ l.cnder's prior written consent. 7. CLAIMS AGAINST TITLE. Mortgagor will pay all t:t',c%, assessments, liens, encumbrances, lease payments, ground rents, utilities, and other charges rel:ttin,_! ti) the Property when due. Lender may require Mortgagor to provide to Lender copies of all notiLc.~ that such amounts are due and the receipts evidencing Mortgagor's payment. Mortgagor will defend ti tlc ti) the Property against any claims that would impair the lien of the Security Instrument. Mortga::,~r ',~grecs to assign to Lender, as requested by Lender, any rights, claims or defenses Mortgagor m:~x h',~vc against parties who supply labor or materials to maintain or improve the Property. 8. DUE ON SALE OR ENCUMBRANCE. Upon sale. tr:msfer, hypothecation, assignment or encumbrance, whether voluntary, involuntary, or by t,l*c'r:ttitm o£ law, of all or any part of the Property or any interest therein, then at its sole option, Lcndcr may, by written notice to Mortgagor, declare all obligations secured hereby immediately duc and Ixtyable, except to the extent that such acceleration for and in such particular circumstances xvhcrc exercise of such a right by Lender is prohibited by law. 9. PROPERTY CONDITION, ALTERATIONS AND I:xhi'ECTION. Mortgagor will keep the Property in good condition and make all repairs that arc rcns~mably necessary. Mortgagor shall not commit or allow any waste, impairment, or deterioratit}n i~l' the Property. Mortgagor will keep the Property free of noxious weeds and grasses. Mortgagor a?~c~.s that the nature of the occupancy and use will not substantially change without Lender's prior writlc, n clmsent. Mortgagor will not permit any change in any license, restrictive covenant or easelnct~t without Lender's prior written consent. WYOMING - MASTER FORM MORTGAGE LEWY2 {0403} Page 2 of 8 20043003321488 Mortgagor will notify Lender of all demands, proceedings, ct:tiros, and actions against Mortgagor, and of any loss or damage to the Property. Lender or Lendcr'~ ;t?cn[$ 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 inspecti,,n spcci/3,ing a reasonable purpose for the inspection. Any inspection of the Property shall be entirclx t,~r Lender's benefit and Mortgagor will in no way rely on Lender's inspection. 10. AUTHORITY TO PERFORM. If Mortgagor fails to I,~.rl'urm any duty or any of the covenants contained in this Security Instrument, Lender may, wid~,~ut notice, perform or cause them to be performed. Mortgagor appoints Lender as attorney in I:~cl it) sign Mortgagor's name or pay any amount necessary for performance. Lender's right to t,~'rI't~rm Ibr Mortgagor shall not create an obligation to perform, and Lender's failure to perform ~'ill n,,t preclude Lender from exercising any of Lender's other rights under the law or this Security Instx'un ~'nt. It' any 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 complcti~m of the construction. 11. ASSIGNMENT OF LEASES AND RENTS. Mortg:~7,,r irrevocably grants, bargains, conveys, mortgages and warrants to Lender as additional security :tll linc right, title and to any and all existing or future leases, subleases, and any other written or verb:ti :igrccments for the use and occupancy of any portion of the Property, including any extensions, rcn~.xx:ds, modifications or substitutions of such agreements (all referred to as "Leases") and rents, issuc~ :md profits (all referred to as "Rents"). Mortgagor will promptly provide Lender with true and c~t,.cl copies of all existing and future Leases. Mortgagor may collect, receive, enjoy and use the Rents s,} l,mg as Mortgagor is not in default under the terms of this Security Instrument. Mortgagor agrees ttntt tills assignment is immediately effective between the parties to this Security Instrument. Mortgagt~ ~t~ rccs that this assignment is effective as to third parties when Lender takes affirmative action presctil,cd by law, and that this assignment will remain in effect during any redemption period until thc Nccurcd Debt is satisfied. Mortgagor agrees that Lender may take actual possession of the property xxithtmt the necessity of commencing legal action and that actual possession is deemed to occur when I elmer, or its agent, notifies Mortgagor of default and demands that any tenant pay ail future Rents directly to Lender. On receiving notice of default, Mortgagor will endorse and deliver to Lender :tnv payment of Rents in Mortgagor's possession and will receive any Rents in trust for Lender :n~d will not commingle the Rents with any other funds. Any amounts collected will be applied as pm x i,lcd in this Security Instrument. Mortgagor warrants that no default exists under the Leases or any apl~lic.,tblc landlord/tenant law. Mortgagor also agrees to maintain and require any tenant to comply with tltc tel-ms of the Leases and applicable law. 12. LEASEHOLDS; CONDOMINIUMS; PLANNED UNi'I I)I,iVELOPMENTS. Mortgagor agrees to comply with the provisions of any lease if this Security ln,,~ltnncnt is on a leasehold. If the property is a unit in a Condominium Project or is part of a Planm.d /Jnit Development ("PUD"), Mortgagor agrees to the following: A. Obligations. Mortgagor shall perform all of M~rlt_,:t?r's obligations under the Constituent Documents. The "Constituent Documents" are thc: t i~ I)c'claration or any other document which creates the Condominium Projects or PUD and an~ h,,~n~.owners association or equivalent entity ("Owners Association"); (ii) by-laws; (iii) code. ~,t 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:nitm maintains, with a generally accepted insurance carrier, a "master" or "blanket" policy on tl~c Condominium Project or PUD which is satisfactory to Lender and which provides insuranc',, ct~vcrage in the amounts, for the periods, and against the hazards Lender requires, includin,_, t it'c and hazards included within the term "extended coverage," then Mortgagor's obligati,,n under Section 19 to maintain hazard insurance coverage on the Property is deemed satis l'i,.d t~ thc extent that the required coverage is WYOMING - MASTER FORM MORTGAGE LEWY3 (0403) Page 3 of 8 20043003321488 13. 14. provided by the Owner's Association policy. Morl?:~;~,r shall give Lender prompt notice of any lapse in required hazard insurance coverage. In thc c~cnt of a distribution of hazard insurance proceeds in lieu of restoration or repair followin,, ;~ l,,ss to Property, whether to the unit or to common elements, any proceeds payable to Mortg:~p,t,~' arc hereby assigned and shall be paid to Lender for application to the sums secured by this ?;cctxx'ity Instrument, with any excess paid to Mortgagor. C. Flood. Insurance. Mortgagor agrees to maintain I]~,,,tt insurance for the life of the Secured Debt which is acceptable, as to form, amount and extent ,,I c~vcrage to Lender. D. Public Liability Insurance. Mortgagor shall take such actions as may be reasonable to insure that the Owners Association maintains a public li:tlfilitv insurance policy acceptable in form, amount, and extent of coverage to Lender. E. Condemnation. The proceeds of any award or c/aim for damages, direct or consequential, payable to Mortgagor in connection with any condcllnnttion or other taking of all or any part of the Property, whether of the unit or of the comm~m c'lcments, or for any conveyance in lieu of condemnation, are hereby assigned and shall be paid tt~ Lender. Such proceeds shall be applied by Lender to the sums secured by the Security Instrtm~c'nt as provided in Section 18. F. Lender's Prior Consent. Mortgagor shall not, e×cc. pt after notice to Lender and with Lender's prior written cOnsent, either partition or subdixidc the Property or consent to: (i) the abandonment or termination of the Condominium I)~,,jcct or PUD, except for abandonment or termination required by law in the case of substami:~l destruction by fire or other casualty or in the case of a taking by condemnation or eminent d,,main: (ii) any amendment to any provision of the Constituent Documents if the provision is lbr the express benefit of Lender; (iii) termination of professional management and assn~tq~tit)n of self-management by the Owners Association; or (iv) any action which would have ~hc effect of rendering the public liability insurance coverage maintained by the Owners Associittiotl unacceptable to Lender. G. Remedies. If Mortgagor does not pay condominitt~ t~i' PUD dues and assessments when due, then Lender may pay them. Any amounts disbursed bx Lender under this section shall become additional debt of Mortgagor secured by this Securitx Instrument. Unless Mortgagor and Lender agree to other terms of payment, these amounts shall i)c:n- interest from the date of disbursement at the Secured Debt rate and shall be payable, x~ ith interest, upon notice from Lender to Mortgagor requesting payment. DEFAULT. Mortgagor will be in default if any part3' {,l)lisatcd on the SecUred Debt fails to make payment when due. Mortgagor will be in default if a brc:~ch occurs under the terms of this Security Instrument or any other document executed for the purl~,,sc, of creating, securing or guarantying the Secured Debt. A good faith belief by Lender that Lendc~ :ti ally time is insecure with respect to any person or entity obligated on the Secured Debt or that thc prospect of any payment or the value of the Property is impaired shall also constitute an event of defat~lt. REMEDIES ON DEFAULT. In some instances, federal :n~d slate law will require Lender to provide Mortgagor with notice of the right to cure or other nt,l~ccs and may establish time schedules for foreclosure actions. Subject to these limitations, if any, l.c~dcr may accelerate the Secured Debt and foreclose this Security Instrument in a manner provided h~ 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 il ~'cquired by law, upon the occurrence of a default or anytime thereafter. In addition, Lender shall ht~ ~,ntitlcd to all the remedies provided by law, the terms of the Secured Debt, this Security Instrument :tilt[ ally related documents, including without limitation, the power to sell the Property. All remedies ~n c d istiuct, cumulative and not exclusive, and the Lender is entitled to all remedies provided at law or ctltlity, whether or not expressly set forth. The acceptance by Lender of any sum in payment or partial pz~3 n~cnt on the Secured Debt after the balance is due or is accelerated or after foreclosure proceedings :n c t'ilcd shall not constitute a waiver of or WYOMING - MASTER FORM MORTGAGE LEWY4 {0403} Page 4 of 8 20043003321488 Lender's right to require complete cure of any existin~ ctc. l':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; ATTOI<',I<Y.'-;' FEES; COLLECTION COSTS. Except when prohibited by law, Mortgagor agrees to p:t_,, ;dl oI' Lender's expenses if Mortgagor breaches any covenant in this Security Instrument. Mort?:~?t,r will also pay on demand any amount incurred by Lender for insuring, inspecting, preservin,g ~r t)tht:rwise protecting the Property and Lender's security interest. These expenses will bear interest tr~}m the date of the payment until paid in full at the highest interest rate in effect as provided in th~. ~crnas of the Secured Debt. Mortgagor agrees to pay all costs and expenses incurred by Lender in c' ,tlccting enforcing or protecting Lenders' rights and remedies under this S6curity Instrument. This :nnount may include, but is not limited to, attorneys' fees, court costs, and other legal expenses. This inll{mn[ does not include attorneys' fees for a salaried employee of the Lender. This Security Instrulnc'nt shall remain in effect until released. Mortgagor agrees to pay for any recordation costs of such ~clc:~sc. 16. ENVIRONMENTAL LAWS AND HAZARDOUS Slrl;.qTANCES. As used in this section, (1) Environmental Law means, without limitation, thc ~'~nl)rchensive Environmental Response, Compensation and Liability Act (CERCLA, 42 U.S.C. 9(~(11 ct seq.), and all other federal, state and local laws, regulations, ordinances, court orders, attorncx ,,_,cncral opinions or interpretive letters concerning the public health, safety, welfare, envir{mn~c~n {)r a hazardous' substance; and (2) Hazardous Substance means any toxic, radioactive or h',~zztrclous material, waste, pollutant or contaminant which has characteristics which render the s ttl,~l:tllcc dangerous or potentially dangerous to the public health, safety, welfare or environment. Th~. term includes, without limitation, any substances defined as "hazardous material," "toxic subsl:mc't:S," "hazardous waste," or "hazardous substance" under any Environmental Law. Mortgagor represents, warrants and agrees that: A. Except as previously disclosed and acknowledged in ~ ~iting to Lender, no Hazardous Substance is or will be located, stored or released on or in thc lq', q)cq-ty. This restriction does not apply to small quantities of Hazardous Substances that are ~cncn~lly 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 coml~li:tncc with any applicable Environmental Law. C. Mortgagor shall immediately notify Lender if a l-clc:t~c t~r threatened release of a Hazardous Substance occurs on, under or about the Property t~ Ihcrc is a violation of any Environmental Law concerning the Property. In such an event, M,}ngagor shall take ail necessary remedial action in accordance with any Environmental Law. D. Mortgagor shall immediately notify Lender in wt'itin~ zls soon as Mortgagor has reason to believe there is any pending or threatened investi?ti~n; claim, or proceeding relating to the release or threatened release of any HaZardous Subslztn~.c or the violation of any Environmental Law. 17. CONDEMNATION. Mortgagor will give Lender prompt n,,ticc of any pending or threatened action, by private or public entities to purchase or take any or ztll t~l' thc Property through condemnation, eminent domain, or any other means. Mortgagor authorizes I cndcr to intervene in Mortgagor's name in any of the above described actions or claims. Mong;~;~t' assigns to Lender the proceeds of any award or claim for damages connected with a condemnati,,~ t~r other taking of all or any part of the Property. Such proceeds shall be considered payments and ~ill [)c applied as provided in this Security Instrument. This assignment of proceeds is subject to thc, It, l-ms of any prior mortgage, deed of trust, WYOMING - MASTER FORM MORTGAGE LEWY5 {0403) Page 5 of 8 20043003321488 18. INSURANCE. Mortgagor shall keep Property insured :n~ninst loss by fire, flood, theft and other hazards and risks reasonably associated with the Propert3 ~lnc to its type and location. This insurance shall be maintained in the amounts and for the periods th:ti Lc-uder requires. The insurance carrier providing the insurance shall be chosen by Mortgagor suhic~'~ to Lender's approval, which shall not be unreasonably withheld. If Mortgagor fails to maintain thc c,~vcrage described above, Lender may, at Lender's option, obtain coverage to protect Lender's ri~2h(~ in the Property according to the terms of this Security Instrument. All insurance policies and rencx,,:,ls shall be acceptable to Lender and shall immediately notify Lender of cancellation or termination ~1 thc insurance. Lender shall have the fight to hold the policies and renewals. If Lender requires, M~,ty:tgcu- shall immediately give to Lender all receipts of paid premiums and renewal notices. Upon h}s~. M{,'tgagor shall give immediate notice to the insurance carrier and Lender. Lender may make l~I'(),~I' or' lOSS if not made immediately by Mortgagor. Unless otherwise agreed in writing, all in~ttrm~ce proceeds shall be applied to the restoration or repair of the Property or to the Secured I)c.l,t, whether or not then due, at Lender's option. Any application of proceeds to principal shall n,,~ extend or postpone the due date of the scheduled payment nor change the amount of any paymcm. Any excess will be paid to the Mortgagor. If the Property is acquired by Lender, Mongagor's ryht it) any insurance policies and proceeds resulting from damage to the Property before the acquisiti(.~ shall pass to Lender to the extent of the Secured Debt immediately before the acquisition. 19. ESCROW FOR TAXES AND INSURANCE. Unless ~,lhcrwise provided in a separate agreement, Mortgagor will not be required to pay to Lender funds fi,- n~xcs and insurance in escrow. 20. FINANCIAL REPORTS AND ADDITIONAL DOCI [~II<NTS. Mortgagor will provide to Lender upon request, any financial statement or information l.cnder may deem reasonably necessary. Mortgagor agrees to sign, deliver, and file any additional th~ctnucnts or certifications that Lender may consider necessary to perfect, continue, and preserve ,Xh~rtpagor's obligations under this Security Instrument and Lender's lien status on the Property. 21. JOINT AND INDIVIDUAL LIABILITY; CO-SI(;NI,;RS; SUCCESSORS AND ASSIGNS BOUND. All duties under this Security Instrument arc i.int and individual. If Mortgagor signs this Security Instrument but does not sign an evidence of del,t, Mortgagor does so only to mortgage Mortgagor's interest in the Property to secure payment {,1 the Secured Debt and Mortgagor does not agree to be personally liable on the Secured Debt. If thi~ Security Instrument secures a guaranty between Lender and Mortgagor, Mortgagor agrees to x~':ti~ ~. :my rights that may prevent Lender from bringing any action or claim against Mortgagor or m~3 lurly indebted under the obligation. These rights may include, but are not limited to, any anti-dcl'ici~.~cx t)r one-action laws. Mortgagor agrees that Lender and any party to this Security Instrument re:tx t'xtcncl, modify or make any change in the terms of this Security Instrument or any evidence of deb( xx ithtmt Mortgagor's consent. Such a change will not release Mortgagor from the terms of this Securi(x ln sn'ument. The duties and benefits of this Security Instrument shall bind and benefit the successors znld :~ssigns of Mortgagor and Lender. 22. APPLICABLE LAW; SEVERABILITY; INTERI'I~I:,TATION. This Security Instrument is governed by the laws of the jurisdiction in which thc l'~,q~crty is located, except to the extent otherwise required by the laws of the jurisdiction where thc Property is located. This Security Instrument is complete and fully integrated. This Securitx I~t~ti'uxnent may not be amended or modified by oral agreement. Any section in this Security Instrumc~,. 'mtachments, or any agreement related to the Secured Debt that conflicts with applicable law will n~,t hc effective, unless that law expressly or impliedly permits the variations by written agreement. I1 .,my section of this Security Instrument cannot be enforced according to its terms, that secti,)n x~ill be severed and will not affect the enforceability of the remainder of this Security Instrumcm. \Vhcnever used, the singular shall include the plural and the plural the singular. The captions and hc",~dings of the sections of this Security Instrument are for convenience only and are not to bc t~s~,d t,) interpret or define the terms of this Security Instrument. Time is of the essence in this Securi~x I ttEtrument. In the event any section of this WYOMING - MASTER FORM MORTGAGE LEWY6 (0403) Page 6 of 8 20043003321488 23. 24. 25. Security Instrument directly conflicts with any section ,,F tl~c rcvolvinlg line of credit agreement or promissory note referenced in Section 4, the terms and c,,nditions olthe revolving line of credit agreement or promissory note (as applicable), the arbitrm i, }n :mrcclnent and the agreement to provide agreement or promissory note (as applicable), the arbitrati,,n ~iiji. ~vdlnths~2gmr:net?~l~te to provide flood/property insurance, all of which I agree to by si~nin~ ~c~t~tr~ ~ ' ' Y , terms and conditions of said documents and not the Security Instruh~.~F qmll control. NOTICE. Unless otherwise required by law, any notice ~l~zdl bc given by delivering it or by mailing it by first class mail to the appropriate party's address ~,~ I,:~c 1 of this Security Instrument, or as shown in Lender's records, or to any other address desien:~cd in writing. WAIVERS. Except to the extent prohibited by la~7,' .Nh,l't,.!a~t')r waives and right regarding the marshalling of liens and assets, and hereby releasing and ~ :,x i~nJ all rights under and by virtue of the homestead exemption laws of this state. ~ OTIt~ER TERMS. If checked, the following are applicab!c t,, this Security Instrument: ~-~ Line of Credit. The Secured Debt includes a ~cxt,lvin~ line of credit provision. Although the Secured Debt may be reduced to a zero bat',mc'c., this Security Instrument will remain in effect until released. [-~ Construction Loan. This Security Instrument secures an obligation incurred for the construction of an improvement on the Property. [--~ Fixture Filing. Mortgagor grants to Lender a sccuiity interest in all goods that Mortgagor owns now or in the future and that are or will hoc, ,mc fixtures related to the Property. This Security Instrument suffices as a financing statc~t~_.~ n and any carbon, photographic or other reproduction may be filed of record for purposes ~,1' Article 9 of the Uniform Commercial Code. [--] Additional Terms. SIGNATURES: By signing below, Mortgagor agrees to the tcnns :md covenants contained in this Security Instrument and in any attachments. Mortgagor also acknt}x~k.d~cs receipt of a copy of this Security Instrument on the date stated on page<l. '/' Date SCO1-F C. LUSTY ANITA M. LUSTY Dat~ Mortgagor Date Mortg:lT, ,~ Date Mortgagor Date MoFtga? )1 Date Mortgagor Date Mortga?r Date WYOMING - MASTER FORM MORTGAGE LEWY7 (0403) Page 7 of 8 20043003321488 0880 ACKNOWLEDGMENT: (Individual) STATE OF WY COUNTY OF Li nco] n The foregoing instrument was acknowledged before me by SCO1-F C. LUSTY, ANITA M. LUSTY this ~I'~ day of ~9~ ~ Witness my hand and official seal. (Title of Officer) [ My Commission Expires: WYOMING- MASTER FORM MORTGAGE LEWY8 104031 Page 8 o, 8 20043003321488 EXHIBIT A THAT PART OF THE NE 1/4 NW 1/4 OF SECTION 15, T31N R119W OF THE 6TH P.M., LINCOLN COUNTY, WYOMING BEING PA R T OF THAT TRACT OF RECORDS IN THE OFFICE OF THE CLERK OF 1.1NCOLN COUNTY IN BOOK 348PR ON PAGE 468, DESCRIBED AS FOLLOWS: BEGINNING AT A POINT ON THE WEST LINE OF SAID NE 1/4 NW 1/4, S 00 DI.iGREES 01.7 MINUTES W, 291.76 FEET FROM THE NORTHWEST CORNER OF SAID NE 1/4 NW 1/4, FOUND AS DESCRIBED IN THE CORNER REC()ltl) FILED IN SAID OFFICE; THENCE CONTINUING S 00 DEGREES 01.7 M INtJTES W, 291.76 FEET, ALONG THE WEST LINE OF SAID NE 1/4 NW 1/4, TO Ttlt! SOUTHWEST POINT OF SAID TRACT; THENCE S 89 DEGREES 58.6 MINUTES 1~i, 727.89 FEET, ALONG THE SOUTH LINE OF SAID TRACT TO THE SOUTH l!:\ ST POINT THEREOF; THENCE N 00 DEGREES 01.4 MINUTES E, 291.76 FEET, A I.()NG SAID EAST LINE, TO A POINT; THENCE N 89 DEGREES 58.6 MINUTES \V, 727.84 FEET TO THE POINT OF BEGINNING.