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HomeMy WebLinkAbout20000386.tiff NOV 16 '99 04:25RM SECURITY TITLE GREELEY P.2/7 1111. It 1990 9:30J biITt0 TIttiii8ULT I'� 1.1147P. 4/10 II C 1 .r 1 ft Oa 0 0.* JO tank Tfoikuote 9 TROPIC Mao WAYAl11'1< 91® ' • TI Ord Olar JO 79. uoit,OS8 A151 an 01d Milano, tarlrnan eampuby b� bi- dr Carr of Weld eddrad Cr . Ina.as chariot S. Caves end aandoua I ra l I .yuMPl diaaa 1014 led Oak D VII, al aaa. IN 97121 dr county of Wend ,altar - ?nada .rang wt11Y.TW rrraaiadrliarradeedrw UM '1!00070 MD d/1N _--lalat 00.000.04 Id aadgeed akrg dab Obardewlid00pad aM sal rrgre l*aouprrrda■fbin 4s a.aaq odaria.4000.poiwasklaidel anRasrroglimaedrld+ewar, alaillnaniVesservilampe.tfololinia ISIS la County of Sid I adlad/24ad►YardrYin • Late 1 and 2. Ida 40. 7ilty. sUaeratMMnraettes land iW 'Y - 1 4bolowarpotandainbo. 7241 Sae Street. rate amen. Ca 80421 . T00_11mtdealed Spin aaraeSad dradaadrdawie7Mr-pa4eet.d r___etrerYaaea e avISSIS a. W palest aid son rim O_,imea SP roan-Iraeeee at On oatgiltsr ra r K Y nil ado raw 4a7 pa.er desmanwa to IrdasTO rddpardna dadii ataggas -ter-^r.di Ids Mode lases Ault p ntaralliiaa padwpralwa45r *pal la lipla ,i`a epnraal a raerartwarludipt MOS ddeaaigunlelegddarpna. Sod dr9laadlna'erietrpiers erl9re7tawlralledaaetWeaaer Ion r -+-04.,7009pd nnpalautl91d0ae>a',' 9n+,rtr IS rban irwew�r aa. ralrrdrredoudedeearlidraaraena Yr*S lmalla9d ad pa On adnalse00;rdrrn.ara amalaal Sra der daend.rarr. Itiondadaw4aMe7pirla lnaYrgaaarirrr dafr< waOrMM4eRNO10Nt' ryrdae00aeraout. Arard ab•dad raded/a�rr*ade+l r9eeea►ra0�a9rnd Tberplar+drrr+rMal.ridrer r/r gawp 9daiiM-il7arddada )1198001•t11d00Rr/7rOaauriYedrd Sae raMelaea • 01d M1laata taaaraaae Casa* Or Vice President If nom mum= le. a7n erap Ma d il u n .e r E -' s1 t,? ._. t Old Mlu ne 2ai--'n `wentoom edrs.i l4 �► oOSAw II y q' pP C1�.Ce n a aer Np1M M __1�a -�'4• poor- . - - - era Illat, rlabiseaa ISS EXHIBIT 2000-0386 NOV 16 '99 04:25AM SECURTTY TITLE GREELEY P.3/7 ji ' ° 1 1 i15418 86/27/18. Oat Nilav fl 1 .I 5 a 28.88 0 8.88 J8 liSt twee..%• DEED OF TRUST THIS DEED OP TRUST, is made this 1 1211% day of May, 1998, between Charles L. Graves and Rebecca Now G Mazes whose address dds22 sssrisn1041 1lRed ed rs N Albuquerque PUBLIC"Grantor") , and TRt18TEE of the County and State of Colorado, in which the below-described property is located: The Grantor, in order to secure obligations under a Promissory Note (which together with Grantor's obligations under this Deed of Trust is hereinafter called "Obligation") , bearing even date herewith and payable to the order of OLD RELIANCE INSURANCE COMPANY, at its principal place of business at 40 E. Virginia Avenue, Phoenix, Arizona 85004 (hereinafter called "Beneficiary") , for the sum of Fifty Thousand and No One-Hundredths Cellars (tom,00e terms pofa able able with all charges, fees and interest according tle in full o before si Obligation with the balance due and par hay 1, 2028, and being desirous o! securing pa�r�nttheof the aforesaid Obligation, does hereby grant•and convey Trustee the following described property, situate in the County of o Weld, State of' CbIoradb, to-wit: g Lots 1 and 2, Block 46 C Aristocrat Rancbettes Second Filing n County of Weld-, Stets of Ca'lorada a TO HAinhID TO HOLD the same, together with all buildings, fixtures and improvements thereon and all wevidenced,iirrigation drainage, reservoir or ditch rights, however tene e► ighis hereditament., way, easements, rents, issues, profits, therewith,ment now or hereafter usedprivileges and appurtenance, Donnthereof, subject to used or enjoyed with said property, any pert the right, power and authority hereinafter given to and conferred upon the Beneficiary to collect and apply such rents, issues and profits; in trust, nevertheless, thternset in case of default said Obligation, in the payment or the owed edformancei of any or in the performance of any indebtedness Beneficiary, covenants herein or any default on +ama�ty� other instrument securing the balance due, then upon the B4neficiery filing Notice of Election and Demand for pale, Said Public Trustee, after advertising notice of ridtsale aleazw:e� y, for circulation not in less sai than county, shall in sous newspaper the manner provided'by law in effect at shall me1.1 l ngosarty the time of filing said notice, in whole or in l parcels, i�t�h� at public auction, for cash at any proper laid sale,designated cd Public Notice of Sale. Out f the proceeds tt first all fees, charges and shall,o aftekings retaining saleo par and casts o! making said sale and ad ising said property. and N0V 16 '99 04 26AM SECURITY TITLE �E Y P.4/7 2515410 ,fi��, ,,,� IOUI,�Y �®® a of 3 R 34.44 3 ass AI Lei Tiainsete to the Beneficiary, or the attorneys' feu ae herein provided, pay ne ciary, or legal holder the Obligation,the the Beneficiary of of legal hold ofMt e and all moneys advanced insurn by, repairs, tarts and assessments, ith obligation for insurance, p• in the Obligation secured en erin the overplus' if an the rate set y,unto the Grantor; and after hereby, rendering said. public Trustee shall expiration e of the time for redemption, shall be a execute and deliver to the sold.gar�of the� �� or f deeds ma of purchase, a deed to the propertyGrntor's heirs and perpetual in or against any claim of therefrom' The beneficiary may assigns, a law o rat or' any part thereof at such sale. purchase said property The Grantor covenants and agrees that at the time of delivery of nefe simple, Gr or right, owner full of record of said property power and lawful authority in fee timar, and has good in the manner and to afore, here sell and conveybso the e all rights to have as aforesaid hereby fully and absoluately' waiving Grantors say have any marshalled, all n , propeclaimrty such as a Homestead in or to said lands, tenements, and prop�t� � virtue of ,;:,, Exo*Ptton, or other exampties, . * law or other federal or ettala law, now existing or which may passed in relation th reto and that the same are free hereafter be mess whatever, except 199s taxe and clear etdue and payable and permitted Exceptions as set forth taxes not yincorporated herein by in Exhibit A that hereto and ll warrant and forever defend reference* and ve-brained arty n the quiet and pea the ,bow- person or possession er f the claiming or claim the whole any part persons l,YlL'1�, thereof. di And that during the continuance of said Obligation or any ppao thereof, the Grantor will pay all if • and junior encumbrances, oin said property; all flaunts due on pr floe and repair; will not any; will r keep said property fn good all property that may at anstt a permit waste thereof; insured keep with comprehensive general any time be iont aaidin insurance and against loss from extended nes ipnterruption,liability ma Wiens mischief, led coverage, an, Tier, vandalism,am s such company or companies coverage, and o said Oieal damage, friar U s, tits direct, as the policies of rid Obfoor fu aeavnt cost coverage, and such v policies providing ll and reappraisals made at providing for co-insurance only if t!t full insurable value of prtervty is based upon appraisals to appraisers s intervals aisc of not sore �, with lose,an three 3iif any, payable cabll to the Beneficiary r beneficiary, Beneficiary hereunder, as its interest say appear; aEery hareundar as the policy or policies of insurance to the bens further security. for tier- aforesaid. Obligation-. Upon written request by Beneficiary, Grantor shall pay to beneficiary on the day monthly payments of principal and interest are payable under the Note until the Note is paid in full, a sun N0V l SECURITY ilnaREEL� P.5;7 asiMis tbli/iM5 Use li"1d Ce ty Dc l e1 S a marl) s.M .la Wei taSate taxes and (herein "Funds") equal to one-twelfth of the year1 Y assessments which say attain priority over this Deed of Trust, plus one-twelfth of yearly premium installments for hazard ion time all as reasonably estimated initially and from time nd _ _ Beneficiary- on the basis of .assessments an.. DIIIs to marks able sole estimates thereof, Grantor ;hall not extentobligatedthat to nak makes payments of Funds to Beneficiaryor deed of trust if such payments to the holder of a prior mortgage are pledged as such hctder is an institutional lender. The ear of eyed. additional security for the sums secured by If the amount of the Funds held by Beneficiary, together, with the future monthly installments of Fends payable prior tothe due dates rents, shall of taxes, assessments, insurance premiums ttaaxes��sessaents and exceed the amount required to pay shall insurance' premiums as they fallpromptly repaid to Grantor or credited to Grantor's option, n of Grantor on monthly installments of Fends. If the amount taxess Funds held by Beneficiary shal not has sufficient ent. to pay oraxes, payeto tans and insurance punt L to make up the deficiency ll to VC...7IXXVXYXj Y.�:� amount necessary i Ione or sore payments as Beneficiary may require. It all 'or any part of the property er an interest therein is sold or transferred by Grantor without beneficiary's prior withheld) , t consent (which consent shall not be unreasonably this excluding the creation of a lien orrt ury,s option, declare all i Trust, Beneficiary may, Deed. of Trust to be immediately due and Obligations secured t by and payable. Beneficiary may oonditi�n its con s t ���shall have waived such option to accelerate if, prior is to be transfer, Beneficiary and the person in writing property the s to of sold orperson nsisrred reach agreementto Beneficiary, that the interest such s is satisfactory secured ry this Deed of Trust shall be at such payable a the sues by and that the transferee will pay rate as Beneficiary shall request, a reasonable loan assumption fee. Beneficiary shall have all of the rights, title and earned acn of f Grantor in any insurancessold byoltheds and Public hereunder or if the propertyand in any proceeds resulting acquires ay damage e to the property,prior to such sale or rcquisitg from any t to the property hereunder shall acquisition. No application of insurance proceeds installments extend or postpone the due dates or the 'amount of any a i stall. scheduled under the Obligation secured by In ciss of the failure of the Grantor to insure and deliver the policies of insurance, or to pay such taxes or assessments or amount due or to become due, or to make such advances as are a proper cost or expense of preserving, repairing and mainiiring the such property, then the holder of said Obligation may procure ue upon irsuranc:e, or pay such taxes or assessments or r or maintenance; and prior encumbrances or for preservation, reps NOV 16 '99 04:27RM SECURITY TITLE GREE Y P.6/7 EMWANDIN , eww . t 4 cf 5 0 7i.. 0 s.0 MUM TS!rte all monies thus paid, with interest ' at the rata set forth in the Obligation, or any other advance , shall become additional indebtedness secured by this Deed of Trt is f not shall be pa poid ut of of t!e proceeds of the sale of the propert . the Grantor; and the Beneficiary may, or such failure to insure and deliver such insurance policies due, mss, declare or assessments or amounts due or to t. a violation of this covenant and mgr AND ht of re occrsheIN CASEreunder,Othe holder ofF ANY DEFAULT,said O ligationwher the g uor Certificate of Purchase: shall at once baconsand to tled to the possess and uselssession use and thereof, the property,iand during the pendency of thereof, from the accruing of such righ _ re foreclosure proceedings and the period fry s, issues fna yrthere be; and such possession, use, enjoymen shall at once be delivered to the ho der of said Obligation or r Certificate of purchase on requ n- est,. a oraffasl.. tbs.dslivery such possession may be enforced by the older of said civil Obligation or or Certificate of Purchase by any a ropriate and he holder of 'said ligation or Certificate of purchase shall be entitled to a recei for said property, and the rents, issues and profits th sof, after t proceedings dew ult, erioding the m as matter mp n,time covered by foram osure , and shall be entitled period of redemption, if any thereto a of right without regard to the solvency or insolvency of the Grantor or ofthe ta and. such- saids property maywl without regard_ to. the. valves e appointed by any court of competent jurisdiction upon ex par, application and without notice and al rents, issues an profits, to , income and revenue therefrom shall be applied ysuch to law and the payment of the Obligation hereby s cured, accordingat such time as the orders and direction of the c . Ifpossessi of the property before or Beneficiary is entitled to ti any action to gain attar foreclosure, Beneficiary must bring on to gain possession of the property from Gra or any ps under Grantor, or to have a asceiver onable anted, Grantor agrees to pay to' Beneficiary thehrse'enable costs and attorneys' fees incurred by Beneficiary or case of a default unt in any of said pa is of principal, interest another em, o due part dthereof, a in case of o the erns of said default in z any any of! nstr, or any P the balm due, or of a breach or other instrument securing eements herein made by the violation of any of the covenants or qr hereby; then and ndin that interest to e time of sale,e of said principal l other su_ese;s hereby at once, at option of the legal holder sum secured may payable, and said property be sold in thereof, become and the manner and with the same effect as if�said�� Trustee,has matured. If foreclosure be made by ion with said reasonable attorney's fee for servo s in oeonne �Public Trustee as foreclosure proceedings shall be all and byi foreclosure made a part of the cost of foreclosure. N0V 16 '99 04:28AM SECURITY TITLE GEggLEY I ,,t NI JIS P.7/7 CO 6 el 6 R M/SO 6.66 .1 sal,TeJlwb through the courts, a reasonable attorney''s fee shall be tint by' the court as part of the costs of such foreclosure proceedings. All obligations of Grantor are joint and several. The term "Beneficiary" shall mean the holder of the Obligation secured ttheeplural uraTlhe singular nur uusnumber erein includesas used singullaar� the plural and the IN WITNESS year WHEREOF,first the Grantor n nits hereunto set its hand and seal ann. GRANTOR: es Graves cca 3. Graves STATE or NEW MEXICO ) sa. COUNTY OFALs1Al6+tlge ) • The re me is 14b-- day of Nayforegoing 996 y Char es E. s Graves nd�cecaoS. Graves. e witness sy hand and official seal. My commission expires: 4e200ti • N a r � OFFICIAL SEAL .;;;r....;.,..? 6:;L96+Pr Fr:OSE (S E A L) :: STATE o) rat n,•.• My Conan:6Non t.pwr. /_4.2t 11/22/99 16:14 FAX 5052933! KINKO'S Juan Tabo O003 DEED OF TRUST THIS DEEI) OF TRUST, is made this / day of May, 1998, between Charles E. GraVes and Rebecca S. Graves whose address is 1041 Red Oaks LP NE, Albuquerque, New Mexico 87122 (herein called "Grantor") , and the PUBLIC TRUSTEE of the County or City and County and State of Colorado, in which the below-described property is located. The Grantor, in order to secure obligations under a Promissory Note (which together with Grantor's obligations under this Deed of Trust is hereinafter called "Obligation") , bearing even date herewith and payable to the order of OLD RELIANCE INSURANCE COMPANY, at its principal place of business at 40 E. Virginia Avenue, Phoenix, Arizona 85004 (hereinafter called "Beneficiary") , for the sum of Fifty Thousand and No One-Hundredths Dollars ($50,000.00) , payable with all charges, fees and interest according to the terms of said Obligation with the balance due and payable in full on or before May 1, 2028, and being desirous of securing payment of the aforesaid Obligation, does hereby grant and convey unto the Public Trustee the following described property, situate in the County of Weld, State of Colorado, to-wit: Lots 1 and 2, Block 46 Aristocrat Ranchettes Second Filing County of Weld, State of Colorado TO HAVE AND TO HOLD the same, together with all buildings, fixtures and improvements thereon and all water, irrigation, drainage, reservoir or ditch rights, however evidenced, rights of way, easements., rents, issues, profits, income tenements, hereditaments, privileges and appurtenances, connected therewith, now or hereafter used or enjoyed with said property, or any part thereof, subject to the right, power and authority hereinafter given to and conferred upon the Beneficiary to collect and apply such rents, issues and profits; in trust, nevertheless, that in case of default in the payment or the performance of any terms of said Obligation, or any indebtedness owed Beneficiary, or in the performance of any covenants herein or any default on any other instrument securing the balance due, then upon the Beneficiary filing Notice of Election and Demand for sale, said Public Trustee, after advertising notice of said sale weekly, for not less than four weeks, in some newspaper of general circulation in said county, shall sell said property in the manner provided by law in effect at the time of filing said notice, in whole or in parcels, and demand, at public auction, for cash at any proper place designated in the Notice of Sale. Out of the proceeds of said sale, said Public Trustee shall, after retaining or paying first all fees, charges and costs of making said sale and advertising said property, and 11,22/99 16:15 FAX 5052933' KINKO'S Juan Tabo Q 004 attorneys.' fees as herein provided, pay to the Beneficiary, or the legal holder of the Obligation, the amount of such indebtedness, and all moneys advanced by the Beneficiary of legal holder of the Obligation for insurance, repairs, taxes and assessments, with interest thereon at the rate set forth in the Obligation secured hereby, rendering the overplus, if any, unto the Grantor; and after expiration of the time for redemption, said Public Trustee shall execute and deliver to the holder of the Certificate of Purchase, a deed to the property sold. Such deed or deeds shall be a perpetual bar against any claim of the Grantor, Grantor's heirs and assigns, in law or equity, arising therefrom. The Beneficiary may purchase said property or any part thereof at such sale. The Grantor covenants and agrees that at the time of delivery of these presents, the Grantor is the owner of record of said property in fee simple, and has good right, full power and lawful authority to grant, bargain, sell and convey the same in the manner and form as aforesaid hereby fully and absolutely waiving all rights to have any assets marshalled, all rights and claims the Grantors may have in or to said lands, tenements, and property such as a Homestead Exemption, or other exemption, under and by virtue of any bankruptcy law or other federal or state law, now existing or which may hereafter be passed in relation thereto and that the same are free and clear of all liens and encumbrances whatever, except 1998 taxes not yet due and payable and Permitted Exceptions as set forth in Exhibit A attached hereto and incorporated herein by this reference; and that the Grantor shall and will warrant and forever defend the above-bargained property in the quiet and peaceable possession of the Public Trustee against all and every person or persons lawfully claiming or to claim the whole or any part thereof. And that during the continuance of said Obligation or any part thereof, the Grantor will pay all taxes and assessments levied on said property; all amounts due on prior or junior encumbrances, if any; will keep said property in good condition and repair; will not commit or permit waste thereof; will keep all property that may at any time be on said property, insured with comprehensive general public liability insurance and against loss from business interruption, fire, vandalism, malicious mischief, extended coverage, and other physical damage, in such company or companies as the holder of said Obligation may, from time to time direct, such policies providing for full replacement cost coverage, and providing for co-insurance only if the full insurable value of the property is based upon appraisals and reappraisals made at intervals of not more than three (3) years by appraisers satisfactory to Beneficiary, with loss, if any, payable to the Beneficiary hereunder, as its interest may appear; and will deliver the policy or policies of insurance to the Beneficiary hereunder as further security for the aforesaid Obligation. Upon written request by Beneficiary, Grantor shall pay to Beneficiary on the day monthly payments of principal and interest are payable under the Note until the Note is paid in full, a sum 11/22/99 16:17 FAX 5052933' KINKO'S Juan Tabo Q005 (herein "Funds") equal 'to one-twelfth of the yearly taxes and assessments which may attain priority over this Deed of Trust, plus one-twelfth of yearly premium installments for hazard insurance, all as reasonably estimated initially and from time to time by Beneficiary on the basis of assessments and bills and reasonable estimates thereof, Grantor shall• not be obligated to make such payments of Funds to Beneficiary to the extent that Grantor makes such payments to the holder of a prior mortgage or deed of trust if such holder is an institutional lender. The Funds are pledged as additional security for the sums secured by this Deed of Trust. If the amount of the Funds held by Beneficiary, together, with the future monthly installments of Funds payable prior to the due dates of taxes, assessments, insurance premiums and ground rents, shall exceed the amount required to pay said taxes, assessments and insurance premiums as they fall due, such excess shall be, at Grantor's option, either promptly repaid to Grantor or credited to Grantor on monthly installments of Funds. If the amount of the Funds held by Beneficiary shall not be sufficient to pay taxes, assessments and insurance premiums as they fall due, Grantor shall pay to Beneficiary any amount necessary to make up the deficiency in one or more payments as Beneficiary may require. If all or any part of the property or an interest therein is sold or transferred by Grantor without Beneficiary's prior written consent . (which consent shall not be unreasonably withheld) , excluding the creation of a lien or encumbrance subordinate to this Deed of Trust, Beneficiary may, at Beneficiary's option, declare all Obligations secured by this Deed of Trust to be immediately due and payable. Beneficiary may condition its consent upon, and shall have waived such option to accelerate if, prior to the sale or transfer, Beneficiary and the person to whom the property is to be sold or transferred reach agreement in writing that the credit of such person is satisfactory to Beneficiary, that the interest payable on the sums secured by this Deed of Trust shall be at such rate as Beneficiary shall request, and that the transferee will pay a reasonable loan assumption fee. Beneficiary shall have all of the rights, title and interest of Grantor in any insurance policies and unearned premiums thereon if the property is sold by the Public Trustee hereunder or if Beneficiary acquires title to the property, and in any proceeds resulting from any damage to the property prior to such sale or acquisition. No application of insurance proceeds hereunder shall extend or postpone the due dates or the amount of any installments scheduled under the Obligation secured by this Deed of Trust. In case of the failure of the Grantor to insure and deliver the policies of insurance, or to pay such taxes or assessments or amount due or to become due, or to make such advances as are a proper cost or expense of preserving, repairing and maintaining the property, then the holder of said obligation may procure such insurance, or pay such taxes or assessments or amounts due upon prior encumbrances or for preservation, repair or maintenance; and 11,22/99 10:18 FAX 5052933' KINKO'S Juan Tabo (5006 all monies thus paid, with interest thereon at the rate set forth in the Obligation, or any other advances, shall become additional indebtedness secured by this Deed of Trust and shall be paid out of the proceeds of the sale of the property, if not otherwise paid by the Grantor;. and the Beneficiary may, for such failure to insure and deliver such insurance policies or to pay such taxes or assessments or amounts due or to become due, or expenses, declare a violation of this covenant and agreement. AND THAT IN CASE OF ANY DEFAULT, whereby the right of foreclosure occurs hereunder, the holder of said Obligation or Certificate of Purchase shall at once become entitled to the possession, use and enjoyment of the property, and to the rents, issues and profits thereof, from the accruing of such right and during the pendency of foreclosure proceedings and the period of redemption, if any there be; and such possession, use, enjoyment, rents, issues and profits shall at once be delivered to the holder of said Obligation or Certificate of Purchase on request, and on refusal, the delivery of such possession may be enforced by the holder of said Obligation or Certificate of Purchase by any appropriate civil suit or proceeding, and the holder of said Obligation or Certificate of Purchase shall be entitled to a receiver for said property, and of the rents, issues and profits thereof, after such default, including the time covered by foreclosure proceedings and the period of redemption, if any there be, and shall be entitled thereto as a matter of right without regard to the solvency or insolvency of the Grantor or of the then owner of said property and without regard to the value thereof, and such Receiver may be appointed by any court of competent jurisdiction upon ex parte application and without notice and all rents, issues and profits, income and revenue therefrom shall be applied by such Receiver to the payment of the Obligation hereby secured, according to law and the orders and direction of the court. If at such time as Beneficiary is entitled to possession of the property before or after foreclosure, Beneficiary must bring any action to gain possession of the property from Grantor or any person claiming under Grantor, or to have a Receiver appointed, Grantor agrees to pay to Beneficiary the reasonable costs and attorneys' fees incurred by Beneficiary thereby. In case of default in any of said payments of principal, interest or other amounts due according to the terms of said Obligation, or any of them, or any part thereof, or in case of default in any other instrument securing the balance due, or of a breach or violation of any of the covenants or agreements herein made by the Grantor, then and in that case the whole of said principal sum hereby secured, and the interest to the time of sale, and all other sum secured hereby may at once, at the option of the legal holder thereof, become due and payable, and the said property be sold in the manner and with the same effect as if said indebtedness had matured. If foreclosure be made by the Public Trustee, a reasonable attorney's fee for services in connection with said foreclosure proceedings shall be allowed by the Public Trustee as a part of the cost of foreclosure, and if foreclosure be made 11;22/99 16:20 FAX 5052933?-' KINKO'S Juan Tabo 10 007 through the courts, a reasonable attorney's fee shall be taxed by the court as part of the costs of such foreclosure proceedings. All obligations of Grantor are joint and several. The term "Beneficiary" shall mean the holder of the Obligation secured hereby. The singular number as used herein includes the plural and the plural number as used herein includes singular. IN WITNESS WHEREOF, the Grantor has hereunto set its hand and seal the day and year first above written. GRANTOR: arles E. Graves ecca S. Graves STATE OF NEW MEXICO ) �p�� ss. COUNTY OF !n (��, AUGN P ) The above and foregoing instrument a Graves and Rebecca S. Graves ws acknowledged day of May, 1998, by Charles E Witness my hand and official seal.^�,�n My commission expires: bt r 001 28L{� Notary _ 1 c 41 q OFFICIAL SEAL V 1 MARGARET ROUSE i e n pl a! pip,Tc (S E A L) STATE OF NEW x;co My Com.nlesion Expires FirZergi Hello