ALMOST EVERYTHING YOU ALWAYS WANTED TO KNOW …

ALMOST EVERYTHING YOU ALWAYS WANTED TO KNOW ABOUT RECORDING REAL ESTATE

DOCUMENTS

Kathryn “Katie” M. Norby Cass County Recorder/Registrar of Titles

P.O. Box 3000 Walker, MN 56484

(218) 547-7381www.co.cass.mn.us

This manual is for reference purposes only and is subject to change. 7th Edition – January, 2020

TABLE OF CONTENTS

SUBJECT PAGEOffice Procedure Manual 1 Program Description 2 Abstract Property 3 Adverse Possession 3 Deeds 5 Quiet Title Action 3 Torrens Property 4 Affidavit 6 Affidavit of Survivorship 7 Agreement 7 Amendment or Extension of Contract for Deed 7 Articles of Incorporation 8 Assignment of Mortgage or Contract for Deed 8 Assignment of Sheriff=s Certificate of Sale 9 Assumption Agreement 9 Attorney=s Lien 9 Bank Name Changes Exhibit II Bankruptcy Papers 10 Bill of Sale 10 Bona Fide Purchaser Declaration (Abstract) 10 Business Corporation Resolutions 10 Cancellation of Contract for Deed 11 Certificate of Sale of Forfeited Land 11 Certificate of Real Estate Value (CRV=s) 11 & Exhibit VIII Contract for Deed 12 Copies of Documents 12 Decree of Descent (Abstract) 13 Decree of Descent (Torrens) 13

Deeds 14 Deed Tax Exhibit VII

See also Exhibit VIIA Divorce Decree 14 Document Standards Exhibit X Document Counts (Annual) Exhibit XI Easement 15 Extension of Mortgage 15 Fee Schedule for Recording Fees Exhibit VI Final Decree of Distribution (Abstract) 16 Fixture Financing Statement 16 FORMS – MN Uniform Conveyancing Blanks (aka deed forms) Exhibit XIV Grantor/Grantee Index Exhibit I Judgments and Orders (Abstract) 16 Judgments and Orders (Torrens) 16 Lease 17 Legal Description – Finding your legal description Exhibit IV Letters of Special Administration 17 Mechanic=s Liens 18 Military Discharge 18 Modification Agreement 18 Mortgage 19 Mortgage Registration Tax Exhibit VII

See also Exhibit VIIA Name Searches Exhibit III Notary Acknowledgment – Examples of Exhibit XVII Notice of Intention to Redeem 19 Notice of Lis Pendens 20 Ordinance 20 Partial Release of Mortgage 20 Personal Representative Deed (Abstract) 21 Personal Representative Deed (Torrens) 21 & 22 Plats 22 Power of Attorney 22 Recording Checklist Exhibit XVI Rejection Letter (Sample copy) Exhibit XII

Release of Land from Judgment Lien 23 Release of Specific Property 23 Release of State Tax Liens 23 Repayment Agreement 23 Review of Documents – proofreading by submitter Exhibit XVIII Satisfaction of Mortgage or Lien 24 Sheriff=s Certificate and Foreclosure 24 Splitting Property Exhibit V State, County or Municipal Resolutions, Variances/Agreements 24 State Deed/Conveyance of Forfeited Lands 25 Subordination Agreement 25 Termination or Satisfaction of Financing Statement 26 Tract Searches Exhibit III Trustee=s Deed - See Deeds 14 UCC Filings 26

WEB address for County Exhibit XIII Well Certificate (after 1-1-93) Exhibit IX

Well Disclosure Certificate Exhibit IX Well Disclosure Instructions Exhibit IX

EXHIBITS

Exhibit I - Grantor/Grantee Indexing list for Documents Exhibit II - Name Change for Assignments, Satisfactions or Releases of Mortgage Exhibit III - Tract Searches/Name Searches Exhibit IV - Finding Your Legal Description Exhibit V - Property Splits/Tax Splits Exhibit VI - Fee Schedule for Recording Fees Exhibit VII - Deed Tax - Mortgage Registration Tax Exhibit VIIA - Request for Separate Checks for Fees Exhibit VIII – Certificate of Real Estate Value (CRV) Exhibit IX - Well Certificate Information Exhibit X - Document Standards Exhibit XI – Annual Document Counts Exhibit XII - Rejection Letter (Sample) Exhibit XIII - Web Address for Cass County Exhibit XIV - Forms – MN Uniform Conveyancing Blanks (aka deed forms) Exhibit XV – What paperwork do I need to record a deed?

Exhibit XVI – Recording Checklist Exhibit XVII - Examples of Notary Acknowledgments Exhibit XVIII – Review & Proof Documents Exhibit XIX – Standard Recording Slip – Cover Sheet Exhibit XX – Online Land Records Subscription Options Exhibit XXA – Search Tips Exhibit XXB – State Assignment Certificates Exhibit XXI – Disclaimer for online land records Exhibit XXII – Printing Instructions for idocmarket.com Exhibit – XXIII – Electronic Recording Information

For INTERNET ACCESS to our real estate records, please see the last few pages of this manual or see links in our website @ www.co.cass.mn.us. OR you can go directly to www.idocmarket.com

http://www.co.cass.mn.us/

http://www.co.cass.mn.us/

http://www.idocmarket.com/

http://www.idocmarket.com/

CASS COUNTY RECORDER/REGISTRAR OF TITLES OFFICE PROCEDURE MANUAL

6th Edition – March 2019

INTRODUCTION

This manual is designed to provide an introduction to the basic principles of recording and filing documents. It is hoped, also, that all customers of this office will come to realize the complexity of the work in the Recorder=s Office and know that professional competency will come from practical experience.

It is important to remember that the Office of the County Recorder is two legally separate offices:

1. the Office of the County Recorder (abstract property) AND

2. the Office of the Registrar of Titles (torrens property).

Minnesota Statutes prohibit anyone except a licensed attorney from giving legal advice. This manual is not a substitute for legal advice, and questions regarding the validity of title and legal effects of a document are questions to be answered by competent legal advisers.

The Department of the Cass County Recorder has a commitment to provide prompt, responsive, courteous service to the public as it collects, creates and maintains accurate records and disseminates information.

The information on the following pages will outline how this commitment is met.

PROGRAM DESCRIPTION The operations of the County Recorder are specified and mandated by state law. Briefly, the Recorder is required to record all documents submitted by the public which are qualified to be recorded; to maintain an up-to-date and accurate set of indexes which show the current ownership of land in the entire county, and to perform all functions of a clerical and technical nature to accomplish that objective. The Recorder by law is charged with passing upon the sufficiency of records presented to his/her office and charged with creating and displaying these records for the use of the public. An essential consideration is that all records are open for public inspection during regular business hours, and that the public is entitled to rely upon the accuracy of what is shown on the record. Accuracy thus becomes a critical and overriding concern of the entire operation, with the resultant higher ratio of time to production that would be normal in a commercial business operation where the primary concern is profit. All of the County Recorder’s records are digitally imaged. Records from May 5, 1965 to the present are available in a program called Document Pro. Legacy records, from May 4, 1965 going back to the late 1870’s are available in a program called ArcaSearch. All imaging is available for use by the public at the Recorder=s Office. Certified and non-certified copies may be purchased and information is also provided to walk-in and telephone customers. In perspective, the operation of the entire county government depends upon the public records. Taxation of real property is the cornerstone of financing governmental operations. The ownership of the real property is thus responsible for taxes assessed; and it follows that the records must accurately reflect the status of each individual tract of land - its dimensions and locations, and the names of the owners. While each of the other offices is essential to the governmental function, they follow the Recorder=s Office in the flow chart: i.e., the Assessor bases his work upon the information recorded by the Recorder; and in turn the Auditor/Treasurer collects the taxes assessed. Understanding the work in the Recorder=s Office, however, does require an awareness and understanding of some of the terminology of real estate law, the legal system and property rights.

ABSTRACT PROPERTY

The evidence of title most commonly found in the United States is abstract title. An abstract of title is a history of the recorded title to a particular tract of land. It is a document which consists of a summary of the material parts of every recorded instrument affecting the title. It begins with the legal description of the land covered by the abstract and then shows the original patent and all subsequent recorded documents (deeds, mortgages, satisfactions, probate documents, judgments, mechanic liens, foreclosure proceedings, tax sales and others) affecting the title. Therefore, what has been certified to by the licensed abstractor (when the abstract was last updated, and to what extent, and what records have been checked by the abstractor) determines whether the abstract of title is complete.

Usually a person would have a licensed attorney do an Aopinion of title@, based upon an examination of the abstract of title, to determine whether there are any title problems or defects, and if so, what should be required by affidavits, quit claim deeds, other documents or court procedures to legally clear up any title defects.

The Cass County Recorder=s Office does have a complete tract index and is required by law to maintain a Grantor/Grantee index and a Reception Record. Since April 1, 1987, the Grantor/Grantee index is maintained on a computer system. Since March 11, 2004, the tract index is also maintained on a computer system.

Quiet Title Action - This is a court proceeding to establish title to land by court action. An adverse claimant of an interest in real estate is brought under the jurisdiction of the court and provided a hearing to establish a claim, or be barred from asserting it, by the quiet title judgment. Whenever a deed or other instrument exists that may cloud the title or create a title problem, a court can clear the title by judgment setting forth the current ownership. For example, when a real estate mortgage is valid on its face, but has ceased to be a lien, it may be canceled by an action to quiet title.

Adverse Possession - This is the legal concept of acquiring title to abstract property by occupying the land for a period fixed by statute. Occupancy must be continuous, open, hostile, visible and exclusive. The adverse possession must have continued for the statutory period of time.

TORRENS PROPERTY

Torrens property is property which the title to has been adjudicated under the authority of Minnesota Statutes Chapter 508. This means that all matters pertaining to the title are under the supervision of the court, from the initial title registration proceeding through proceedings subsequent to initial registration. Under the supervision of the Court, the Registrar of Titles issues an original Certificate of Title which is kept in the Office of the Registrar of Titles and a copy of said Certificate is delivered to the registered owner.

All encumbrances and rights to be effective against registered land must be shown upon the Certificate of Title. There are seven statutory exceptions to this (set out in MN Statute '508.25) and are:

1. liens, claims, or rights arising or existing under the laws or the Constitution of the United States, which this state cannot require to appear of record;

2. the lien of any real property tax or special assessment; 3. any lease for a period not exceeding three years when there is actual

occupation of the premises thereunder; 4. all rights in public highways upon the land; 5. the right of appeal, or right to appear and contest the application, petition or other proceeding affecting the title, as is allowed by this chapter; 6. the rights of any person in possession under deed or contract for deed from the

owner of the certificate of title; and 7. any outstanding mechanics lien rights which may exist under sections 514.01

to 514.17.

Petitions subsequent to initial registration are court proceedings to adjudicate unusual matters concerning registered property arising after the initial court proceeding registering the title.

Although registered land (Torrens Property) is subject to the same incidents as unregistered land (Abstract Property), title to registered land MAY NOT be established by adverse possession.

Title to registered property is legally separate and distinct from title to abstract property. Documents recorded in the Office of the County Recorder are not legal notice to persons interested in registered (Torrens) property. Conversely, documents filed in the Office of the Registrar of Titles are not legal notice to persons interested in unregistered (Abstract) property.

A transfer of ownership in registered land may be accomplished by deed from the registered owner, by an order from the court, or by a certificate from the Examiner of Titles. There must always be a Achain of title@ of voluntary instruments to transfer title.

The legal adviser to the Registrar of Titles is the Examiner of Titles who also

supervises the initial registration proceedings and all petitions subsequent to initial registration. The Examiner of Titles is appointed by the local Judges of the District Court.

In Cass County, the Examiner of Titles is:

Stephen M. Baker, Esq. P.O. Box 924 Walker, MN 56484 (218) 547-1319

The Deputy Examiner of Titles is: Larry A. Kimball, Esq. P.O. Box 1240 Walker, MN 56484 (218) 547-3787

CHECKING INDIVIDUAL DOCUMENTS The statute imposing document standards became effective on August 1, 1997. The full text of the standards will follow later herein. Deeds

Quit Claim Deed - is generally used to convey, or to release, a person=s right, title or interest in real property to another without providing a guarantee or warranty of title.

Warranty Deed - is a deed warranting that the grantor has a good title, free and clear of all liens and encumbrances, and will defend the grantee against all claims.

Generally, a deed tax stamp is required to be affixed to every deed filed. There are a few exemptions from this requirement. Exemption from deed tax was repealed to or from the State of Minnesota or any of its agencies, or to or from a governmental subdivision of the State of Minnesota, effective for deeds recorded on or after June 1, 1987. This does not apply to deeds to or from the federal government or its agencies. (See MS '287.22 for statutory exemptions.)

Prior to July 1, 1987, the only occasions where current real estate taxes had to be paid in full were where plats were to be recorded where conveyances were made to tax-exempt governmental agencies. Since that time, this requirement has been expanded to include conveyances where a tax parcel was to be split. In the case of a conveyance to a governmental agency where a tax parcel is to be split, a letter from the agency to the Auditor accepting responsibility for payment of the taxes will suffice in lieu of the tax payment. In all other cases, full payment of the current taxes must be made. Following is a filing checklist for specific documents: Affidavit 1. Date 2. Signed by person making declaration 3. Notarized 4. Name and address of draftsman

Affidavit of Survivorship 1. Legal description 2. Date 3. Document Number for document where joint tenancy was created. 4. Transfer stamp by Auditor=s Office 5. Certified copy of death certificate 6. Signature and notarization 7. Name of surviving joint tenant 8. Name and address of affiant (person signing affidavit) 9. Name and address of draftsman 10. Name and address for tax statements Agreement 1. All parties must sign 2. Notarized 3. Date 4. Legal description 5. Marital status 6. Name and address of draftsman Amendment or Extension of Contract for Deed 1. Type of document 2. Legal description 3. Date

4. Name(s) of grantors and marital status 5. Name(s) of grantees 6. Notarized signatures of grantee(s) and grantor(s) 7. Name and address of draftsman Articles of Incorporation

1. Original notarized signature by corporate officer or certified copy from the Secretary of State.

2. Name and address of draftsman

Assignment of Mortgage or Contract for Deed

1. Document number of original mortgage or contract for deed

2. Notarized signature(s) of party assigning instrument

3. Name and address of draftsman

4. Date

Note: Assignment of Contract for Deed is the same as Assignment of Installment Contact for Sale of Real Estate.

5. On assignment of contract: check legal description; where to send tax

statements; must be certified for taxes; can be assigned by either seller or buyer

6. Must state who is assigning and to whom

Additional requirements for Torrens Documents:

a. Bank merger or name change must be memorialized where applicable (or comply with MS'507.411)

Assignment of Sheriff=s Certificate of Sale 1. Document number must be referred to and checked 2. Person assigning must have notarized signature 3. Legal description 4. Name and address of draftsman 5. Date 6. Address for tax statements Assumption Agreement 1. Party taking over must sign 2. Signature notarized 3. Date 4. Must refer to document number of mortgage being assumed 5. Legal description 6. Marital status of person assuming 7. Name and address of draftsman Attorney=s Lien 1. Attorney=s notarized signature 2. Legal description 3. Date 4. Name and address of draftsman

Bankruptcy Papers 1. Seal and signature from the Bankruptcy Court required Bona Fide Purchaser Declaration (Abstract Only) 1. No transfer needed 2. Certified copy of Letters attached 3. Signed and notarized 4. Date 5. Name and address of draftsman Business Corporation Resolutions 1. Original signature of corporate officer 2. Notarized 3. Name of Corporation 4. Name and address of draftsman Bill of Sale - signatures, consideration, notarized and description. Recording fee is $46.00 and the original stays on file in the Chattel/UCC Department.

Cancellation of Contract for Deed 1. Date 2. Description 3. Document number of contract (if recorded) 4. Either seller or attorney signs 5. Service on occupants by Sheriff attached - signature of serving officer must be

notarized if served out-of-state. 6. Name and address of draftsman 7. Name and address for tax statements Certificate of Sale of Forfeited Land - same as contact for deed Certificates of Real Estate Value (CRV=s) This form is required by the Minnesota Department of Revenue and must be entered electronically via their website. Once the electronic CRV has been submitted online you will receive an eCRV number. The eCRV number must show on the original deed that will be recorded. With that eCRV number, the Auditor/Treasurer=s Office reviews the eCRV online. Once it is approved, the Auditor/Treasurer’s Office will place a stamp on the face of the document stating that the CRV has been filed. Only deeds with a deed tax amount that is $3.30 or less, AND the total consideration statement stated upon the face of the document, can be accepted for recording without the CRV.

Contract for Deed 1. Type of Document 2. Legal description 3. Date 4. Name of grantor(s) and marital status 5. Signature(s) of grantor(s) 6. Name and grantee(s) 7. Signature(s) of grantee(s) 8. Acknowledgment and notarization of all signatures. Check expiration date of

notary(s). No witnesses necessary. 9. Name and address of draftsman 10. Name and address for tax statements 11. Auditor=s certification as to delinquent taxes 12. Must file a Certificate of Real Estate Value form (CRV) - not needed prior to 1-1-

78) (Not needed on Assignment of Contract for Deed) 13. No Mortgage Registration Tax is required on any Contract for Deed regardless of

when it was executed 14. Information regarding wells

Additional requirements for Torrens documents: a. Spouse=s signature is required.

Copies of Documents non-certified copies of documents - $1.00 per page w/a $2.00 minimum when mailed certified copies of documents - $10.00 per document

Decree of Descent (Abstract Only) 1. Legal description 2. Must be certified copy from Probate Court - signed by deputy court administrator 3. Must be certified as to delinquent taxes by Auditor=s Office.

Decree of Descent (Testate - Torrens Only)

a. Abstract requirements 1-3

b. Certified copy of Will and Order Admitting Will

c. Affidavit of Purchaser

d. Directive from Examiner of Titles (to be requested by Registrar)

Decree of Descent (Intestate - Torrens Only)

a. Abstract requirements 1-3

b. Affidavit of Purchaser

c. Directive from Examiner of Titles (to be requested by Registrar)

Deeds (Personal Representative, Warranty, Quit Claim)

1. Type of document

2. Check legal description

3. Date

4. Name(s) of grantor(s) and marital status

5. Signature of grantor(s). Spouse must sign if homestead property.

6. Acknowledgment and notarization. Check Expiration date.

7. No witnesses necessary (Effective 8-1-73)

8. Name(s) of grantee(s)

9. Name and address of Draftsman (Effective January 1971)

10. Name and address of Taxpayer (Effective January 1972)

11. Must have Deed Tax Stamp (unless exempt)

12. Must be certified as to delinquent taxes by Auditor=s Office

13. Well Disclosure Certificate and Certificate of Real Estate Value is required is the consideration is more than $1,000.00. Additional requirements for Torrens documents:

a. Spouse=s signature in all cases

b. Examiner=s Directive required for deeds from a trustee or an attorney-in-fact (to be requested by Registrar) Divorce Decree (Abstract Property) 1. Must be certified and sealed by the District Court Additional requirement for Torrens Property: Divorce Decree must be reviewed and approved by the Examiner of Titles by Examiner=s Directive (to be requested by Registrar)

Easement 1. Legal description 2. Marital status and signature(s) of grantor(s) 3. Acknowledgment and notarization 4. Date 6. Name and address of draftsman. Additional Requirements for Torrens Documents:

a. Legal description must be specific; include map or drawing if possible.

Extension of Mortgage 1. Document number of mortgage and date 2. Signature(s) of bank official(s) and mortgagor(s) - acknowledged and notarized 3. Name and address of draftsman. 4. Date Additional requirements for Torrens Documents:

a. Bank merger or name change must be memorialized where applicable or an Aalso known as@ or Aformerly known as@ and Aby reason of . . .@ must be used pursuant to MS '507.411.

Final Decree of Distribution (Abstract Only) 1. Legal description. 2. Must have transfer slip by Auditor=s Office. 3. Must be a certified copy from the Probate Court - signed by deputy court administrator. Additional requirement for Torrens Property:

Must be reviewed and approved by the Examiner of Titles by Examiner=s Directive (to be requested by Registrar) Fixture Financing Statement 1. Must be filled out appropriately. 2. Must be signed and notarized unless it is the National Form Grantor/Grantee Index – See Exhibit VIII Judgments and Orders (Abstract Only) 1. Legal description 2. Date 3. Certified copy from Court - signed by deputy court administrator Judgments and Orders (Torrens Only)

a. Abstract requirements 2 & 3 above.

b. If no legal description appears on instrument, attach Affidavit of Identity requesting recording on specific Certificate of Title. Relationship between parties in instrument and parties in certificate must be shown.

Lease 1. Legal description 2. Acknowledged and notarized 3. Name and address of draftsman. 4. Date Letters of Special Administration 1. Must be a certified copy from Court - signed by deputy court administrator & must have court impression seal

Mechanic=s Lien 1. Need full legal description 2. Name of firm or person filing lien and signature(s) 3. Name of person lien is filed against 4. Dates when work was performed/type of work or type of materials provided and when 5. Acknowledgment and notarization 6. Date of instrument 7. Name and address of draftsman 8. Has to be filed within 120 days of completion of work or last date materials provided. Good for Aone year after date of the last item of the claim as set forth in the recorded lien statement@. Then Notice of Lis Pendens must be filed and court action commenced. Military Discharge 1. No filing fee - no charge for certified copies - filed in abstract department only. Note: Pursuant to current legislation, once they are filed here, they are no longer considered public information and person requesting copy must prove a tangible interest to the veteran. Modification Agreement (Similar to a Mortgage) 1. Date 2. Signed by mortgagor(s) and mortgagee(s) 3. Must have reference to document number (does not need legal description but it is appreciated if it is on the modification agreement) 4. Name and address of draftsman. 5. Must have acknowledgment and notarization of all signatures 6. Marital status of mortgagor(s) must be indicated 7. Spouses signatures required.

Mortgage 1. Legal description 2. Date 3. Name and marital status of mortgagor(s) 4. Signature(s) of mortgagor(s). Spouse must sign except on purchase money mortgage (abstract only). 5. Name of mortgagee (institution or person lending money) 6. Mortgage Registration Tax stamp 7. Name and address of draftsman 8. Acknowledgment and notarization 9. If corrective mortgage, it should reference the original mortgage document number and the reason for the corrective document Additional requirements for Torrens documents:

a. Spouse=s signature in all cases. Notice of Intention to Redeem 1. Legal description 2. Name and address of draftsman 3. No transfer by Auditor=s Office necessary 4. Signed and notarized 5. Date

Notice of Lis Pendens 1. Legal description 2. Date 3. Name of plaintiffs 4. Name of defendants 5. Signature of attorney for plaintiffs Ordinance 1. Date 2. Certified copy from authorized government agency Partial Release of Mortgage 1. Legal description 2. Document number and date of mortgage 3. Signature(s) of bank official(s) or owner of note - acknowledged and notarized 4. Name and address of draftsman Additional requirements for Torrens documents:

a. Bank merger or name change must be memorialized where applicable or must comply with MS '507.411

Personal Representative Deed (Abstract) 1. Abstract requirement for any deed Personal Representative Deed (Testate - Torrens Only)

a. Abstract requirements for any deed


c. Deed tax, if applicable

d. Certified copy of Letters Testamentary - must be dated the same as or later than personal representative deed

e. Directive from Examiner of Titles (to be requested by Registrar)

Personal Representative=s Deed (Intestate - Torrens Only)

a. Abstract requirements for any deed


c. Deed tax, if applicable

d. Certified copy of Letters Testamentary - must be dated the same as or later than personal representative deed

e. Directive from Examiner of Titles (to be requested by Registrar) Plats

1. Only one mylar are required by this office marked as the AOFFICIAL PLAT@

2. Only permanent black ink shall be used for all signatures and dates. All notary stamps must also use permanent black ink.

3. Plats shall measure 22" by 34" on the outer edges.

4. Subject to all platting requirements pursuant to MS Chapter 505 5. Plats must have the approval of the platting authority 6. Plat must be certified for current and delinquent taxes by County Auditor/Treasurer 7. Filing fee is $56.00 Power of Attorney 1. Legal description not necessary 2. Name of grantor(s) 3. Name of grantee(s) - (attorney-in-fact) 4. Signature of grantor(s) - acknowledged and notarized 5. Name and address of draftsman 6. Date

Release of Land from Judgment Lien 1. Person releasing must sign 2. Signature must be notarized 3. Legal description 4. Date 5. Name and address of draftsman Release of Specific Property 1. Legal description 2. Date 3. Name(s) of Grantor(s) and Grantee(s) 4. Name and address of draftsman 5. Signature of secured party and notarization Release of State Tax Lien 1. If the original lien was filed:

a. June 30, 1986 or before, the fee is $15.00 b. July 1, 1986 or after, the fee is $30.00

Repayment Agreement 1. Person signing is person taking out the loan - grantor - must be notarized 2. Date 3. Legal description 4. Name and address of draftsman

Satisfaction of Mortgage or Lien 1. Name of mortgagor(s) 2. Name of mortgagee and signature 3. Date and document number of original mortgage 4. Acknowledgment and notarization 5. Name and address of draftsman Additional requirements for Torrens documents:

a. Bank merger or name change must be memorialized where applicable or must comply with MS '507.411. Sheriff=s Certificate of Sale and Foreclosure Record 1. Affidavit of Publication with clipping from newspaper attached 2. Document number of mortgage 3. Signature of sheriff or deputy - acknowledged and notarized 4. Date 5. Name and address of draftsman 6. Name and address for tax statements 7. Affidavit of service 8. Watch for checkoff boxes for attachments State, County or Municipal Resolutions, Variances, Agreements 1. Require Certified Copy 2. Legal description 3. Date 4. Signature and seal of authority on behalf of County Board, City Clerk, etc.

State Deed/Conveyance of Forfeited Lands 1. Type of document 2. Legal description 3. Date 4. Name of grantor 5. Signature of grantor - acknowledged and notarized 6. Name of grantee 7. Name and address of taxpayer 8. Deed tax stamp now required on state deeds issued after 5-30-1987. 9. Must be certified as to taxes by Auditor=s Office 10. Name and address of draftsman Subordination Agreement 1. Party subordinating must sign 2. Signature must be notarized 3. Legal description 4. Date 5. Name and address of draftsman

Termination or Satisfaction of Financing Statement 1. Must reference document number from original Financing Statement Trustee’s Deed (See Deeds) UCC 2 (Fixture Liens) Recorded in Real Estate Records Only 1. National form may be used but box must be checked that states AThis Financing Statement is to be filed for record in the Real Estate Records@ - no signatures are required no draftsman required. National forms may be downloaded from the Internet - www.iaca.org/sts/ 2. Old form UCC-2 (Financing Statement) may be used but must be signed by debtor and must be notarized 3. Name and address of debtor(s) 4. Name and address of secured party 5. Name and address of draftsman 6. Legal description 7. Description of collateral Additional requirements for Torrens documents:

a. Certificate of Title number must be shown Well Disclosure Certificate - www.health.state.mn.us/divs/eh/wells/disclosures/index.html

http://www.health.state.mn.us/divs/eh/wells/disclosures/index.html

http://www.health.state.mn.us/divs/eh/wells/disclosures/index.html

EXHIBIT II

1

NAME CHANGES FOR ASSIGNMENT, SATISFACTION OR RELEASE OF MORTGAGE (MS '507.411)

Beginning March 1991, we will accept for filing all Satisfactions or Partial Releases of Mortgages held by corporate mortgagees, which contain a specific (described below) reference to its name change, WITHOUT the filing or refiling of the name change document. All of the following rules must be met:

1. This statute applies only to Satisfactions, Partial Satisfactions, Releases, Partial Releases of Mortgages and Assignments.

2. This does NOT apply to Foreclosure documents, Amendments, Subordinations, Supplements, or any other documents, Amendments, Subordinations, Supplements, or any other document relating to a Mortgage.

3. When citing the name change the document must cite one of the following reasons as the cause of the change:

- merger - consolidation - amendment to charter - amendment to articles of incorporation - conversion from federal to state charter - conversion from state to federal charter - conversion from one form of entity to another

If the document cites any other reason as having caused the change, it is not eligible for filing under this statute.

The words Aname change@ or Achange of name@ are not in this statute and are not acceptable.

Just the word Aconversion@ would not be acceptable. It must be as shown above, Aconversion from federal to state charter@ or Aconversion from state to federal charter@.

AAmendment to Articles@ or Amendment to Articles of Incorporation@ is acceptable.

4. The cite of the name change must be in the BODY of the document and it may also be in the Acknowledgment of the document. Anywhere above the signature will be considered part of the body of the document.

EXHIBIT II

2

5. Torrens Property Only - If a corporation has gone through more than one name change, the Satisfaction or Partial Release only needs to cite the name from the certificate of title and the newest name. If the corporation was A, then B, then C, then D, the cite may be AD@ through the consolidation of AA@ or AA, now by consolidation D.@ If it cites all the changes, it is acceptable, but not necessary. 6. There can be no alterations to the reason cited as causing the change.

For instance, if the Satisfaction states AA, through change of name from B@, the words Achange of name@ cannot be crossed out or deleted and the word Amerger@ put in its place. This is an unacceptable alteration. The document must be re-drafted and re-signed or the name change filed.

Also, for instance, if the Satisfaction states AA through merger with B@, Amerger@ cannot be crossed out or deleted and the word Aconversion@ put in its place. This is an unacceptable alteration. The document must be re-drafted and re-signed or the name change filed.

There will be many ways the name change cite will be written. All we can do is make sure that we understand which is the old name and which is the new name.

Some examples are:

- A, f/k/a B, by merger - B now by consolidation C - A n/k/a B through amendment to articles of incorporation - D by conversion from federal to state charter from C

If your document doesn=t meet the above requirements, the document can still be filed, but the name change document would have to be filed first, just as if the cite wasn=t in the document; or the document may be re-drafted to meet the above requirements. No alterations are acceptable to the reason for the change.

If, through your personal knowledge, the cite in the document is incorrect, the document should not be accepted. This is not intended to be a cure-all for mortgagees who hold title to the mortgage in an incorrect name.

EXHIBIT V – PAGE 1 OF 2

AUDITOR-TREASURER Sandra Norikane 218-547-7260

SPLITTING OF PROPERTY OR TAX PARCEL NUMBERS

There are several different types of splits that are described on the attached sheet that will require split fees pursuant to County Ordinances. When any split of property occurs, the current year’s real estate taxes will need to be paid in full pursuant to MS §272.121. The Cass County Environmental Services Department may require a certificate of survey (abstract property only). For Torrens property, a registered land survey or plat will be required unless you can provide a simple legal description according to MS §508.47. You must have prior approval from the Registrar of Titles before any splitting of torrens property occurs. The Environmental Services Department may also require site evaluations in regard to existing or potential individual sewage treatment systems. ANY SPLITS SHOULD RECEIVE PRIOR APPROVAL BY

THE AUDITOR’S OFFICE, ENVIRONMENTAL SERVICES AND THE RECORDER/REGISTRAR OF TITLES.

EXHIBIT V – PAGE 2 OF 2 Cass County Auditor-Treasurer December 18, 2018

AUDITOR-TREASURER Sandra Norikane 218-547-7260

Split Fee Schedule

SPLIT FEES $ 35.00 Per lot when splitting apart existing lots of record that have been combined by the county for administrative purposes. $ 75.00 Per lot when creating a new lot of record with a certificate of survey or when splitting apart existing lots of record that have never been on separate parcel numbers. $ 150.00 Per lot when creating a new lot of record without a certificate of survey (in those few cases when it can be done without a certificate of survey.) $ 100.00 For first lot in platted subdivisions, minor subdivisions and

registered land surveys. Plus $20.00 per lot thereafter. TAX RECALCULATION FEES $ 35.00 Per lot per tax year with a certificate of survey. $ 60.00 Per lot per tax year without a certificate of survey

(in the few cases in which it can be done without a certificate of survey).

Please call the Cass County Auditor-Treasurer’s Department at 218 547-7260 if you have questions on these fees.

EXHIBIT VI Kathryn AKatie@ M. Norby, Cass County Recorder, P.O. Box 3000, Walker, MN 56484 1 of 2

FEE SCHEDULE (Effective 1-1-2019)

ABSTRACT FEES STATUTE '357.18

Recording Fee $46.00 per document

Multiple Assignments, Partial Releases or Satisfactions with more than one document # or book & page cited

$46.00 for up to 4 document #=s, and an additional $10.00 for each document # thereafter

Well Certificate $50.00 (effective 7-21-2011)

Certified Copy $10.00

Certified copies of Plat $15.00

Recording fee of a Plat (including CIC plat) $56.00

Attested Copy (a/k/a filing data copy) $2.00 per copy (copy must accompany the original document) (a postage paid, self-addressed envelope is required for return of said copy)

FEES set by County Ordinance

Non-certified copies of Plats $10.00 for approximate 24"x36" size. $1.00 per page for reduced size copy w/$2.00 minimum when mailed

Copies (non-certified) $1.00 per page, w/$2.00 minimum when mailed

TORRENS FEES (per MS Chapter 508) STATUTE '508.82

Memorials $46.00 for 1st Certificate (+ $20.00 for each additional Certificate thereafter)

Transfers $46.00 for 1st Certificate (+ $40.00 for each additional Certificate thereafter)

Residue Certificate $40.00

Attested Copy (a/k/a filing data copy) $2.00 per copy (copy must accompany the original document) (a postage paid, self-addressed envelope is required for return of said copy)

First Certificate of Title (original registration) $46.00 (+ $40.00 for each additional Certificate thereafter)

Plat $56.00

Registered Land Survey $56.00

Exchange Certificates $20.00 to cancel each old certificate and $20.00 to issue each new exchange certificate

First Certificate of Possessory Title (per MS Chapter 508A)

See Statute '508A.82 - $46.00 (+ $40.00 for each additional Certificate thereafter)

Certificate of Condition $50.00 per Certificate of Title

Searches to accompany the Certificate of Condition $20.00 per name for State, Federal Tax Liens & MN Dept. of Economic Security Liens $5.00 per parcel for current real estate taxes $5.00 per parcel for delinquent real estate taxes $5.00 per parcel for special assessments

EXHIBIT VI

Kathryn AKatie@ M. Norby, Cass County Recorder, P.O. Box 3000, Walker, MN 56484 2 of 2

FEES FOR RECORDER=S OFFICE SET BY COUNTY ORDINANCE

Non-certified copies (from photocopier, microfilm or imaging)

At the counter - $1.00 per page By mail - $1.00 per page with a $2.00 minimum

FAXED or E-MAILED copies

$4.00 for 1st page and $3.00 per page thereafter for letter & legal size pages $10.00 for an e-mailed copy of a plat

Large copies made w/plat copier (maximum size is 24x36) (such as copies of surveys, architects drawings, building plans, etc.)

$5.00 per copy/page for B/W $10.00 per page for color

Reports (such as all mortgages recorded for a period of time, etc.)

$50.00 minimum or $1.00 per page plus an additional $10.00 per mailing for postage/shipping

Weekly reports (for all documents recorded)

$500.00 per year plus an additional $5.00 per mailing (aka per week) for postage

Searches to accompany the Certificate of Condition for Torrens Property

$5.00 per parcel for current real estate taxes $5.00 per parcel for delinquent real estate taxes $5.00 per parcel for special assessments

X:\MANUAL\EXH-VII DT-MRT.doc EXHIBIT VII – Page 1 of 2

How to figure Deed Tax for deeds notarized and recorded after January 1, 2020:

Multiply the total amount of the purchase price by .0033.

You do need to round up to the nearest penny when the third digit after the decimal is 5 or above.

Example - Purchase price is $55,699.00 Multiply by .0033

= $183.8067 Amount of Deed Tax - $183.81

Minimum Deed Tax is required in the sum of $1.65 for anything with a purchase price/consideration of $3,000.00 or less.

Deed Tax History: Deeds executed 1-1-2020 through the present – figure as above-stated Deeds executed 8-1-2001 through December 31, 2019 - $3.30 per thousand – minimum $1.65 for $500 or less Deeds executed 8-1-1987 through 7-21-2001 - $3.30 per thousand - mininum $1.65 for $500 or less Deeds executed 1-1-1968 through 7-31-1987 - $2.20 per thousand - minimum $1.10 for $1,000 or less Deeds executed 8-1-1959 through 12-31-1967 - $1.10 per thousand - minimum $1.10 for $1,000 or less Federal Internal Revenue Stamp Tax of $1.10 per thousand with $100 or less being exempt expired on 1-1-1968

k k k k k k k

How to figure Mortgage Registration Tax for Mortgages dated or notarized after July 31, 2001:

Multiply the amount of the mortgage by .0023.

You do need to round up to the nearest penny when the third digit after the decimal is 5 or above.

Example: Amount of mortgage is $31,607.88 Multiply by .0023

= $72.698124 Amount of MRT = $72.70

CHECKS FOR DEED TAX OR MORTGAGE REGISTRATION TAX SHOULD BE MADE PAYABLE TO THE CASS COUNTY TREASURER.

X:\MANUAL\EXH-VII DT-MRT.doc EXHIBIT VII – Page 2 of 2

As of January 1, 2020, the minimum deed tax of $1.65 is for the consideration of $3,000 or less (rather than $500).

X:\MANUAL\EXH-VIIA Separate Checks.DOC EXHIBIT VIIA Page 1 of 1

CASS COUNTY RECORDER/REGISTRAR OF TITLESKathryn “Katie” M. Norby (218) 547-7381

Abstract Dept. – 547-7381 & 547-7288 Torrens Dept. – 547-7249 Chattel Dept. – 547-7233

WHEN RECORDING DOCUMENTS, PLEASE ISSUE SEPARATE CHECKS AS FOLLOWS:

CASS COUNTY TREASURER CASS COUNTY RECORDER Deed tax Recording fees

Mortgage registration tax Real estate taxes

Split fees

CRV General Information

About the CRV

A Certificate of Real Estate Value (CRV) is required to complete a sale of real property, and assists in overseeing assessment practices and equitable application of property tax laws in the state of Minnesota. Minnesota Statute, section 272.115, requires that a CRV be submitted for any real estate transfer valuing $3,000 or more. No deed or title transfer can be recorded by a county without a CRV. The CRV may be filled out by anyone associated with the sale, but it is typically completed by the real estate title company, the buyer of the property or the real estate agent.

Use of CRV Data

CRV data helps determine the deed tax charged for the transfer of real property, and is used by the counties and the state to review and adjust county property value assessments. These assessments are used to formulate property taxes, collected by the county, to fund local government services such as public schools, libraries, roads, sewers, parks, police and fire services. The CRV is the only reliable single source of Minnesota property sale information, and its public data is used by many stakeholders, both inside and outside of the state.

The data collected by the CRV is used primarily by counties to verify the details and terms of the sale, and by the Department of Revenue to monitor and equalize the real estate property assessment practices for the entire state (referred to as the Sales Study or Equalization). To qualify for study, a property sale needs to fit the criteria of an "arm's length" transaction. This means the buyer and seller determined a sale price, without undue stress, hardship, or circumstance, which represents a reasonable market price for the property. The results of the Sales Study are used in county property assessments, tax capacity calculations and many varied property tax reports. These reports are ultimately used by the Met Council, the State Demographer, research divisions, tax courts, counties, school districts, and others.

The eCRV System

Electronic Certificate of Real Estate Value (eCRV) is an online system which replaces the paper CRV process with an entirely electronic one. The eCRV system has been adopted voluntarily statewide, county by county. Beginning October 1, 2014, eCRV completely replaces the paper copies of the certificate of real estate value certificates, paper CRVs is no longer accepted.

Go to

https://www.revenue.state.m.n.us/CRV/Pages/eCRV.aspx to enter and submit an eCRV.

X:\MANUAL\EXHIBITS\VIII - eCRV.docx EXHIBIT VIII Page 1 of 1

https://www.revenue.state.mn.us/CRV/Pages/eCRV.aspx

YEARBEGINNING

NUMBERYEAR END NUMBER

ANNUAL DOCUMENT

COUNT2019 647044 656548 95052018 637488 647043 95562017 627661 637487 98272016 618525 627660 91362015 608619 618524 99062014 599363 608618 92562013 588211 599362 111522012 576610 588210 116012011 566893 576609 97172010 556846 566892 100472009 545187 556845 116592008 534191 545186 109962007 521948 534190 122432006 508297 521947 136512005 493400 508296 148972004 478512 493399 148882003 460432 478511 180802002 444702 460431 157302001 431939 444701 127632000 420869 431938 110701999 408391 420868 124781998 395824 408390 125671997 384935 395823 108891996 373772 384934 111631995 363953 373771 98191994 354306 363952 96471993 344269 354305 100371992 334386 344268 98831991 325947 334385 84391990 317625 325946 83221989 309657 317624 79681988 302067 309656 75901987 294128 302066 79391986 286594 294127 75341985 279729 286593 68651984 273684 279728 60451983 266683 273683 70011982 261042 266682 56411981 255398 261041 5644

ABSTRACT DOCUMENTS

Annual Document Counts EXHIBIT XI 1

YEARBEGINNING


ANNUAL DOCUMENT

COUNT

ABSTRACT DOCUMENTS

1980 249824 255397 55741979 243567 249823 62571978 236572 243566 69951977 229525 236571 70471976 223874 229524 56511975 218882 223873 49921974 213284 218881 55981973 208277 213283 50071972 203746 208276 45311971 199493 203745 42531970 195807 199492 36861969 191915 195806 38921968 188060 191914 38551967 184606 188059 34541966 181264 184605 33421965 178135 181263 31291964 175098 178134 30371963 172030 175097 30681962 169307 172029 27231961 166454 169306 28531960 163613 166453 28411959 160763 163612 28501958 157972 160762 27911957 154904 157971 30681956 152148 154903 27561955 149216 152147 29321954 146678 149215 25381953 144227 146677 24511952 141678 144226 25491951 139276 141677 24021950 136721 139275 25551949 134122 136720 25991948 131261 134121 28611947 127818 131260 34431946 123405 127817 44131945 120395 123404 30101944 117787 120394 26081943 115481 117786 23061942 113638 115480 1843


YEARBEGINNING


ANNUAL DOCUMENT

COUNT

ABSTRACT DOCUMENTS

1941 111695 113637 19431940 109721 111694 19741939 107793 109720 19281938 105803 107792 19901937 103401 105802 24021936 100855 103400 25461935 99243 100854 16121934 97781 99242 14621933 96610 97780 11711932 95461 96609 11491931 93860 95460 16011930 92330 93859 15301929 90625 92329 17051928 88565 90624 20601927 86233 88564 23321926 83393 86232 28401925 80295 83392 30981924 76756 80294 35391923 73194 76755 35621922 69252 73193 39421921 65244 69251 40081920 59586 65243 56581919 54552 59585 50341918 51017 54551 35351917 46813 51016 42041916 43080 46812 37331915 39462 43079 36181914 35691 39461 37711913 32306 35690 33851912 29462 32305 28441911 27128 29461 23341910 24485 27127 26431909 22067 24484 24181908 20076 22066 19911907 17766 20075 23101906 15558 17765 22081905 13345 15557 22131904 11355 13344 19901903 9140 11354 2215


YEARBEGINNING


ANNUAL DOCUMENT

COUNT

ABSTRACT DOCUMENTS

1902 6960 9139 21801901 5451 6959 15091900 4618 5450 8331899 4120 4617 4981898 3831 4119 2891897 3579 3830 2521896 3281 3578 2981895 2999 3280 2821894 2771 2998 2281893 2218 2770 5531892 1960 2217 2581891 1427 1959 5331890 1217 1426 2101889 832 1216 3851888 401 831 4311887 1 400 400


YEARBEGINNING


ANNUAL DOCUMENT

COUNT2019 34016 34652 6372018 33328 34015 6882017 32629 33327 6992016 31967 32628 6622015 31271 31966 6962014 30679 31270 5922013 29947 30678 7322012 29165 29946 7822011 28478 29164 6872010 27646 28477 8322009 26790 27645 8562008 26075 26789 7152007 25304 26074 7712006 24264 25303 10402005 23243 24263 10212004 22214 23242 10292003 20686 22213 15282002 19467 20685 12192001 18266 19466 12012000 17264 18265 10021999 16174 17263 10901998 15115 16173 10591997 14261 15114 8541996 13482 14260 7791995 12774 13481 7081994 11988 12773 7861993 11327 11987 6611992 10683 11326 6441991 10168 10682 5151990 9713 10167 4551989 9227 9712 4861988 8729 9226 4981987 8250 8728 4791986 7782 8249 4681985 7275 7781 5071984 6834 7274 4411983 6502 6833 3321982 6059 6501 4431981 5562 6058 497

TORRENS DOCUMENTS


1980 5246 5561 3161979 4931 5245 3151978 4578 4930 3531977 4208 4577 3701976 3882 4207 3261975 3623 3881 2591974 3187 3622 4361973 2783 3186 4041972 2464 2782 3191971 2224 2463 2401970 2131 2223 931969 2025 2130 1061968 1926 2024 991967 1839 1925 871966 1774 1838 651965 1703 1773 711964 1588 1702 1151963 1555 1587 331962 1469 1554 861961 1384 1468 851960 1313 1383 711959 1269 1312 441958 1206 1268 631957 1158 1205 481956 1089 1157 691955 1051 1088 381954 1010 1050 411953 980 1009 301952 913 979 671951 871 912 421950 841 870 301949 826 840 151948 811 825 151947 761 810 501946 713 760 481945 689 712 241944 680 688 91943 674 679 61942 647 673 271941 634 646 131940 623 633 111939 607 622 161938 597 606 101937 573 596 241936 522 572 511935 490 521 321934 476 489 14


1933 465 475 111932 463 464 21931 447 462 161930 426 446 211929 398 425 281928 367 397 311927 354 366 131926 335 353 191925 297 334 381924 250 296 471923 232 249 181922 193 231 391921 171 192 221920 146 170 251919 112 145 341918 95 111 171917 75 94 201916 73 74 21915 56 72 171914 52 55 41913 25 51 271912 9 24 161911 1 8 8


YEAR # OF DOCS2014 2902013 7592012 7572011 5112010 4502009 4912008 4902007 6202006 6642005 7132004 8742003 9072002 9792001 11932000 13091999 13481998 13521997 13201996 14001995 1303

UCC DOCUMENTS

Filing of UCCs with Counties was terminated by the MN Secretary of State on 12-1-2014


Sample of Rejection Letter EXHIBIT XII Page 1 of 2

REJ00 Telephone (218) 547-7381

Abstract Dept. 547-7381547-7288

KATHRYN “KATIE” M. NORBY CASS COUNTY RECORDER

Fax (218) 547-7292

UCC Dept. 547-7233 Registrar of Titles TDD (218) 547-1424 Torrens Department 547-7249 P.O. Box 3000

Walker, MN 56484 [email protected]

TO: Date:

Re: Your File #

We have received your document(s) for recording but cannot record because:

The recording fee must be paid at the time the document is presented for recording. $ (Payable to Cass Co. Recorder) The deed must contain a statement of the amount of Deed Tax Stamps pursuant to MS §287.241. Example: “Deed Tax Due = $1.65” A deed must contain a statement as to why it qualifies for minimum deed tax pursuant to MS §287.20, Subd. 2(g) OR you need to provide a DT-1 form that is filled out, signed, and attached to the Deed Deed tax stamps must be paid at time of recording (MS §287.21) (Amount of purchase price multiplied by $.0033. If the third digit after the decimal is 5 or higher, you must round up the penny. Minimum deed tax is $1.65 for $3,000 or less) $ _____ (Payable to Cass Co. Treasurer) Mortgage Registration Tax (MRT) must be paid at the time of recording. (per MS §287.035) (Amount of mortgage multiplied by $.0023. If the third digit after the decimal is 5 or higher, you must round up the penny.) MRT Amount due on $ is $ (Payable to Cass Co. Treasurer) All delinquent real estate taxes must be paid in full at the time of recording per MS §272.12. $ (Payable to Cass Co. Treasurer) Current taxes must be paid in full when a split occurs pursuant to MS §272.121 $ (Payable to Cass Co. Treasurer) An electronic Certificate of Real Estate Value (eCRV) is required pursuant to MS §272.115. (Effective 10-1-2014) You may enter an eCRV form at: http.//www.revenue.state.mn.us/CRV/Pages/eCRV.aspx. AND the eCRV number that is assigned to your eCRV must show on the deed. The electronic Certificate of Real Estate Value (eCRV) is incomplete or incorrect. The electronic Certificate of Real Estate Value (eCRV) must contain Social Security numbers for all buyers and all sellers. A Well Disclosure Certificate is required or, a statement by Sellers as to “No Wells on Property” or “No Change in Well Status” is required pursuant to MS 103I.235. (The recording fee for a Well Disclosure Certificate is $50.00). An electronic version of the Well Cert. is available at: https://edisclosures.web.health.state.mn.us/wells-disclosure-ssl/euserlogin.cfm. Well Disclosure Certificate must be completed. Draftsman: The document must state the name and complete address of whoever prepared the document pursuant to MS §507.091.Tax Statements: The document must state the name and complete address to whom tax statements are to be sent pursuant to MS §507.092 Any document effecting real estate shall be executed and acknowledged including: Proper Venue (Name of State and County where document is notarized); complete date of document (MM/DD/YY); original signatures by grantors: complete date of notarization (MM/DD/YY); complete & correct notary acknowledgment; original signature of notary public; notary stamp or seal (must be legible & reproduceable) with the expiration date of the term of the commission of the notary public pursuant to MS §507.24. Any document of conveyance must state the marital status of the grantor(s), i.e. a single person, husband and wife, married to each other, etc. pursuant to MS §507.02 et. seq. (If property is homestead property, spouse must also sign the document.) Incorrect, Incomplete or Missing Legal Description – Other: Need septic disclosure pursuant to County Ordinances – Failure to provide septic disclosure at the time of recording will NOT hold up recording but will result in coding of this property as non-compliant and no permits will be issued by the Cass County Environmental Services Department (ESD) until it is brought into compliance. If it is made compliant after recording

mailto:[email protected]

https://edisclosures.web.health.state.mn.us/wells-disclosure-ssl/euserlogin.cfm

Sample of Rejection Letter EXHIBIT XII Page 2 of 2

the deed, you will need to record a Satisfaction of the Non-Compliance from ESD at an additional cost of $46.00 for the recording fee for the Satisfaction.

X YOUR DOCUMENTS AND CHECKS ARE BEING RETURNED. WHEN ALL OF THE ABOVE REQUIREMENTS ARE MET, PLEASE RETURN FOR RECORDING.

www.co.cass.mn.us

EXHIBIT XV Page 1 of 2

CASS COUNTY RECORDER/REGISTRAR OF TITLES Kathryn “Katie” M. Norby (218) 547-7381 Abstract Dept. – 547-7381 & 547-7288 Torrens Dept. – 547-7249 UCC Dept. – 547-7233

What paperwork do I need in order to record a deed? 1. The original signed and notarized deed – we cannot record a photocopy of the deed. We also do not

provide forms and we do not prepare deeds for liability reasons. It is our recommendation that you contact an attorney or an Abstract/Title Company to have your deed prepared. Once it has been fully filled out, signed and notarized, then it can be recorded.

2. If the purchase price is more than $3,000, you will need to provide an electronic Certificate of Real Estate Value (eCRV) form. Said electronic form is available on the website for the MN Department of Revenue at www.revenue.state.mn.us/CRV/Pages/eCRV.aspx. This form will require the names & addresses of all buyers & all sellers, as well as their social security numbers (these are required by the MN Department of Revenue). It will also ask for the amount of the purchase price, the amount of the down payment, the planned use of the property and other pertinent questions in regard to the transfer of the property.

3. If the purchase price is more than $3,000, you will also need to provide water well disclosure. There are 3 options in regard to well disclosure. They are as follows:

1. The Seller certifies that the seller does not know of any wells on the described real property. 2. A well disclosure certificate accompanies this document. 3. I am familiar with the property described in this instrument and I certify that the status and

number of wells on the described real property have not changed since the last previously filed well disclosure certificate.

Option #2 requires that a Well Disclosure Certificate be filled out and must accompany the deed. Said form can be obtained from the Cass County Recorder’s Office at (218) 547-7381; in person at the counter; or on-line at www.health.state.mn.us/divs/eh/wells/disclosures/ in a .pdf format. Another option is to fill out an electronic Well Disclosure Certificate (e-Well) at the website listed above. If you choose to fill out the e-Well, you must write the e-Well number on the deed so that the County can access and verify the information you entered in the e-Well form. If a Well Disclosure Certificate accompanies the deed, there is an additional recording fee of $50.00 and should be in a check payable to the Cass County Recorder.

4. You may also need to provide Septic Disclosure pursuant to county ordinance – please contact the Cass County Auditor/Treasurer’s Office at (218) 547-7296 or the Cass County Environmental Services Department at (218) 547-7241 to see if septic disclosure is required.

Continued on reverse side.

http://www.revenue.state.mn.us/CRV/Pages/eCRV.aspx

http://www.health.state.mn.us/divs/eh/wells/disclosures/

5. You will need to provide a check for the Deed Tax made payable to the Cass County Auditor/Treasurer.

Deed Tax is figured as follows: Take the amount of the purchase price and multiply it by .0033. If the third digit after the decimal is a 5 or higher, you must round up the penny.

6. You will need a check for recording fees made payable to the Cass County Recorder in the sum of $46.00 if this is on abstract property. If the property is torrens property, the recording fee will depend on how many Certificates of Title the legal description applies to. If it applies to only one Certificate of Title the recording fee will be $46.00. If it applies to more than one Certificate of Title, the fee would be $46.00 for the first certificate of title and $40.00 for each certificate thereafter.

7. Any delinquent real estate taxes must be paid in full before the deed can be recorded. These are just the basic items that are needed. Please contact the Recorder’s office if you have other additional documents to record.

http://mn.gov/commerce-stat/pdfs/uniform-conveyancing-blanks.pdf

https://www.iaca.org/secured-transactions/forms/

RECORDING CHECKLIST

Please check the following BEFORE SENDING in for recording:

ALL DOCUMENTS:

• Document dated• Document signed• Acknowledgment needs: Date

Legible Notary Seal, Notary Signature, Notary Commission Expire Date

Names & marital status (Single or Husband and wife) of signatures being acknowledged

If Corporate acknowledgment (business name, who signs & their titles)

• Legal Description (Check to see if complete)

• Exhibits are attached

• "Drafted by:" Include name & address

• Filing fees (See website)

• White-out is unacceptable on any legal documents

TRANSFER DEEDS:

• State Deed Tax included (Purchase price times .0033 = Deed Tax)

*Exception: Hennepin and Ramsey Counties (Purchase price times .0034 = Deed Tax)

• Completed Certificate of Real Estate Value

• "Send Tax Statements to:" Include name & address

• Are there delinquent taxes due?

• If split in tax parcel - all current taxes must be paid.

• If applicable, statement regarding "Total consideration for this transfer is $3.000 or less" (Enclose $1.65 Deed Tax)

• Completed Well Certificate and $30.00 fee OR one of the statements that apply:

"The Seller certifies that the seller does not know of any wells on the described real property."

OR "I am familiar with the property described in this instrument and I certify that the status and the number of wells on

the described real property have not changed since the last previously filed well disclosure certificate."

MISCELLANEOUS DOCUMENTS:

• Correction Documents (Need to have new signatures and new acknowledgement along with a Correction Statement.)

• Mortgage Registration Tax included (Mortgage amount times .0023 = Mtg. Reg. Tax)

*Exception: Hennepin and Ramsey Counties (Mortgage amount times .0024 = Mtg. Reg. Tax)

• Warranty Deed completing a Contract for Deed must have a well statement signed by the buyers

OR a Well Certificate with the $50.00 fee.

• For transfer documents and Mortgages an Agricultural Conservation fee of $5.00 is due in the following counties:

Anoka, Dakota, Ramsey, Wright, Carver, Hennepin, Scott, Washington, Waseca, Winona

*****By Minnesota Statute when document is presented for recording you must indicate (preferably on your cover letter)

whether document is to be recorded in "Abstract· or "Torrens"*****

* * * * * * * * * * See back side for Document Standards * * * * * * * * * *

Recommended and prepared by: Minnesota County Recorder's Association Revised: 10-27-2005 EXHIBIT XVI Page 1 of2

EXHIBIT XVII Page 1 of 2

EXAMPLES OF NOTARY ACKNOWLEDGMENTS EXAMPLE FOR AINDIVIDUAL@ ACKNOWLEDGMENT: State of Minnesota } } ss County of Cass }

This instrument was acknowledged before me on March 1, 2016, by John Q.Public, a single person*, Grantor.

____________________________________________ Notary Public

*Other Options for Individual Acknowledgment: John Q. Public, an unremarried widower Jane M. Public, an unremarried widow Jane M. Public, a divorced and unremarried person Mary S. Doe, wife of John R. Doe John R. Doe, husband of Mary S. Doe Mary S. Doe, spouse of Jane W. Roe John C. Jones, spouse of David L. Smith EXAMPLE FOR AHUSBAND AND WIFE@ ACKNOWLEDGMENT: State of Minnesota } } ss County of Cass }

This instrument was acknowledged before me on March 1, 2016, by John R. Doe and Mary S. Doe, husband and wife**, Grantor.

____________________________________________ Notary Public

**Other Options for Husband and Wife or Spouses Acknowledgment: John R. Doe, married to Mary S. Doe, and Mary S. Doe, married to John R. Doe John C. Jones, spouse of David L. Smith, and David L. Smith, spouse of John C. Jones Mary S. Anderson, spouse of Susan B. Carmen, and Susan B. Carmen, spouse of Mary S. Anderson Mary S. Anderson and Susan B. Carmen, spouses of each other John X. Doe and David R. Smith, married to each other EXAMPLE FOR ATRUSTEE@ SIGNATURE:

EXHIBIT XVII Page 2 of 2

State of Minnesota } } ss County of Cass }

This instrument was acknowledged before me this 10th day of March, 2016, by John Q.Public, Trustee of the John Q. Public Revocable Trust dated January 1, 2003, Grantor.

____________________________________________ Notary Public

EXAMPLE OF ACORPORATE@ ACKNOWLEDGMENT: State of Minnesota } } ss County of Cass }

This instrument was acknowledged before me on March 1, 2016, by John Doe and Mary Roe, the President and Secretary of Custom Construction, Inc., a corporation under the laws of the State of Minnesota, on behalf of the said corporation.

____________________________________________ Notary Public

EXAMPLE OF AATTORNEY-IN-FACT@ ACKNOWLEDGMENT: State of Minnesota } } ss County of Cass }

This instrument was acknowledged before me on March 1, 2016, by Edward G. Smith, as attorney-in-fact for John Q. Doe, a single person , Grantor.

____________________________________________ Notary Public

EXHIBIT XVIII Page 1 of 1

CASS COUNTY RECORDER/REGISTAR OF TITLES Kathryn “Katie” M. Norby (218) 547-7381 Abstract Dept. – 547-7381 & 547-7288 Torrens Dept. – 547-7249 UCC Dept. – 547-7233

PLEASE REVIEW AND PROOF YOUR DOCUMENTS BEFORE RECORDING.

It is the Submitter’s responsibility to ensure the

completeness of the documents being submitted for recording. Please double check the documents

and fees before you send them to us to avoid delays in the recording process.

EXHIBIT XX – ONLINE LAND RECORDS SUBSCRIPTION OPTIONS

Exhibit XX

E X H I B I T X X A P a g e 1 | 7

IDOCMARKET – SEARCH TIPS RECORDER/REGISTRAR OF TITLES SEARCH – To search by document number you must enter the document number as a ten character document number (Current document numbers must be preceded by A000 for abstract documents or T0000 for torrens documents: Examples - A000480987 or T000022405.) Hint: You can narrow your search by combining search criteria, such as name and beginning date or name and legal description. However, entering too much information for search criteria may narrow your search too much so that you will get zero results. SEARCH BY PARTY – use this format: Gore, Robert. You should look at all listings with the correct middle initial and those with no middle initial. (Note: When you enter two names to search by, the program will only reveal those documents that contain both names.) (We currently only have party names going back to 5-4-1964 – more are being added on a daily basis.) SEARCH BY DOCUMENT NUMBER - You can search by the document number of your desired instrument. (All document numbers must contain a ten character alphanumeric number. Most are preceded by an A000 for abstract documents or T0000 for torrens documents: Examples - A000480987 or T000022405). SEARCH BY PIN – Only those documents that come to us with a Parcel Identification Number stated on the document are indexed by said number (which is mostly just deeds). Not all documents can be located by the nine digit PIN number. Our current parcel numbers only go back to late 1989. Example: 41-032-1401 SEARCH BY SUBDIVISION (also known as “plat”) – Type the first 3-5 characters of the subdivision name/plat name and then click on the ↓ button. Select the desired plat name by clicking on it. Enter a lot and/or block number. It is not recommended to search by a large range of lots. If the name of the subdivision contains the name of a city, try searching by the city name. SEARCH BY SECTION, TOWNSHIP & RANGE with quarter quarter section: In the Section called RURAL LEGAL enter the section, township and range number and enter the quarter quarter section either manually in the “description” line or by clicking the appropriate quarter quarter on the grid map. Remember you will only get unplatted land in this search. If the land has been platted you must search by the updated legal. (Note: A manual description would need to be entered as follows: NW¼SE¼ should be entered as NW4SE4; the E½NE¼ should be entered as E2NE4. Formula: ¼ = 4 and ½ = 2) SEARCH BY SECTION, TOWNSHIP & RANGE and GOVERNMENT LOT: Enter the section, township and range number in the section called Section/Township/Range; enter the Government Lot number in the section called Gov Lot.


SEARCHING FOR OLDER DEEDS RECORDED BETWEEN 1900 AND 1965 : You will need to search through the Tract Indexes or Plat Indexes to find the location of the deeds. The indices will show a Deed or Document of Conveyance by a slash “/” after the book number: See Examples below. Enter the Deed Book in the Book/Page fields entering the Book number or letter with a slash “/” in the first field and the page number in the second field. Book/Page 52/ 361 Book/Page Y/ 642 RESULTS SCREEN – After you enter your search criteria and click SEARCH you will get a list of documents that fit the parameters of your search criteria. This list will give you minimal index information. However, if you click on PREVIEW, you will see additional indexing information as follows:

Document number Document type Document date Date of Recording Number of pages Grantors Grantees Legal descriptions Parcel number Related or Associated document numbers

Clicking on the VIEW button will allow you to view the images of the actual recorded document. The images will appear with a watermark through each page. However, if you print any page of the document, the watermark does not show on the printed page. Indexing and Verification (or Validation) Dates: The general rule is that the grantor/grantee (party) index and tract index are available 2-3 working days after being recorded. The Verification or Validation date is when the index data and images have been double checked for accuracy. Note: the index date and verified date may fluctuate with the volume of documents recorded. For more information contact: Kathryn “Katie” M. Norby – Cass County Recorder Phone: 218-547-7381 e-mail: [email protected] Kim Fagerman – Chief Deputy Recorder Phone: 218-547-7249


LEGEND To

TRACT INDEX BOOKS or PLAT INDEX BOOKS

SYMBOL BOOK OF

/ = Deeds or Patents X = Mortgages 5 = Miscellaneous

OAA = Old Age Assistance Liens FD = Final Decrees

P or Powers = Powers of Attorney L or Liens = Road Lien Records

Bds or Bonds = Bond Records EXAMPLES W/265 Book W of Deeds, page 265 52X123 Book 52 of Mortgages, page 123 Z52 Book Z of Miscellaneous, page 2 1OAA35 Book 1 of Old Age Assistance Liens, page 35 BFD419 Book B of Final Decrees, page 419 3L274 Book 3 of Liens, page 274 5BDS52 Book 5 of Bonds, page 52

Book of Deeds or Original Entries Book, Books A-Z (except V), & Books 1-135 Book of Patents Books G, K, 10, & 18 (Note: There is also a Book G & K of Deeds) Book of Mortgages Books A-Z (except V) & Books 1-94 Miscellaneous Books Books A-Z (except V) & Books 1-6 Book of Old Age Assistance Liens Two Books – the first book has no number or letter & Book 1 Book of Final Decrees Books A, B & C (Note: There are two Book A’s which are basically the same.) Book of Powers of Attorney Books 1, 2, 3, 4, & 5 Book of Road Lien Records Books A, B, C, D, & E Book of Bond Records Books, A, B, C, D, E, & F

Tract Index Books (unplatted property) Books A, B, C, D, E, F, G, H, I, & J Plat Index Books (platted property) Books, A, B, C, D, E & F


ADDITIONAL SEARCH TIPS FOR www.idocmarket.com Abstract & Torrens Documents are: INDEXED BY: (Effective 3-11-2004)

EXAMPLE(S):

Document Type

Warranty Deed

Document Number (ten characters)

A000480987 T000022405

Recording Date

March 11, 2004

Recording Time

09:00:00 A.M.

Document Date

March 8, 2004

Consideration (Amount of)

$1.65

Party Names

Smith, Mary Y Smith, Donald X First National Bank of Walker

Associated Documents

Delivered To

Notes

Parcel # (if showing on document)

##-###-####

Location = Volume # & Page # of Certificate of Title (Note: Page number is also the Certificate of Title number) (Torrens Only)

BK: 20 PG: 4989


Tract Index Books are: INDEXED BY:

EXAMPLE(S):

Document Type

Tract Index

Document #

INDA000056

Party Name (a/k/a Book Name)

Tract Index Book Original Entries Tract Index Book A Tract Index Book B Tract Index Book C Tract Index Book D Tract Index Book E Tract Index Book F Tract Index Book G Tract Index Book H Tract Index Book I Tract Index Book J Tract Index Book K Tract Index Book L

Tract

section #, township #, range # 5-140-29

Plat Index Books are: INDEXED BY:

EXAMPLE(S):

Document Type

Plat Index

Document #

PLINDB0001

Party Name (a/k/a Plat Index Book name)

Plat Index Book A Plat Index Book B Plat Index Book C Plat Index Book D Plat Index Book E Plat Index Book F

Subdivision (a/k/a plat name)

Towering Pine

Lot #, Block #

Lot 2, Block 1


Certificates of Title for Torrens Property (a/k/a Registered Property) INDEXED BY:

EXAMPLE(S):

Document Type

Certificate of Title

Document #

CERT002885

Party Name (a/k/a Certificate of Title number)

Certificate of Title #2885

Tract


Subdivision

Castle Addition to Bigwater

Lot #, Block #

Lot 1, Block 15

Miscellaneous Index Books are: INDEXED BY:

EXAMPLE(S):

Document Type

Miscellaneous Index

Document #

MISC20000A MISC10000W

Reference #

A, B, C, D, E, F, G, H, I, J, K, L, M, N, O, P, Q, R, S, T, U, V, Y, Z


Miscellaneous Index Book A Miscellaneous Index Book 1 Miscellaneous Index Book 2

Government Plats are: INDEXED BY:

EXAMPLE(S):

Document Type

Government Plat

Document #

GOVPLAT001 through GOVPLAT077


Government Plat Book

Tract

Township # & Range #


Torrens Index Cards are: INDEXED BY:

EXAMPLE(S):

Document Type

Torrens Index Card

Document #

TCARD00013

Party Name

Torrens Index Card

Tract


Subdivision

Castle Addition to Bigwater

Lot #, Block #

Lot 1, Block 15

Abstract Deed Books are: INDEXED BY:

EXAMPLE(S):

Document Number

A000123456

Location: Book # Page #

124/ (Must use slash for deed books) 339

Deed books W, X, Y & Z and Deed Books 1 through 135 are available at this time. (We still need to scan/image Deed Books A-V.)

X:\CSA-TYLER\WEBSITE INFO RE IDOCMARKET\DISCLAIMER FOR ACCESS TO REAL ESTATE RECORDS IN CASS COUNTY.docx 3/15/2019 EXHIBIT XXI

ACCESS TO REAL ESTATE RECORDS IN CASS COUNTY, MINNESOTA

RECORDER/REGISTRAR OF TITLES

DISCLAIMER FOR ON-LINE LAND RECORDS

The information provided in www.idocmarket.com reflects the information maintained by the Cass County, Minnesota Recorder's Office. This information is being provided online as a public service. Neither Cass County, Minnesota, nor any agency, officer, or employee of Cass County warrants the accuracy, reliability, validity or timeliness of any information published on this website, nor endorses any content, viewpoints, products, or services linked from this website, and shall not be held liable for any losses caused by reliance on the accuracy, reliability, validity or timeliness of such information. Portions of such information may be incorrect or not current. Any person or entity that relies on any information obtained from this website does so at his or her own risk.

Errors and Omissions: This is a working index and may contain errors and omissions due to errors in the preparation of the original document or in the indexing. It is recommended to search several different ways for each property, such as by party name and legal description and other pertinent information.

Images: The images are authentic reproductions of the actual document and the quality is usually good. However, blue or light-colored ink used on original documents do not reproduce well. A few older documents may be illegible since there was no requirement for legibility until 1997.

What is Available: Data and images are available for abstract documents from the present time back to May 1, 1965; Abstract Deed Books are available from 1900 to 1965; all torrens documents and Certificates of Title are available; all Tract or Plat Index Books are available and all recorded Plats are available.

Index and Verification dates: The general rule is that the grantor-grantee (or party) index, tract index and images are available 2-3 working days after being recorded. There are occasional exceptions due to equipment failures and high recording volumes.

www.idocmarket.com

PRINTING INSTRUCTIONS EXHIBIT XXII Page 1 of 5

PRINTING INSTRUCTIONS for www.idocmarket.com :

You can print all pages of the document or you can print various selected pages of the document.

To print all pages, simply click the radial button “○” in front of the “All Pages”

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Then click the blue PRINT button.

IdocMarket will take you to your Print page where you can choose which printer you want to use, if you want to print double sided, change the size of the print, etc.

WARNING: DO NOT TRY TO CHANGE THE SELECTED PAGES IN THIS PRINT PAGE. YOU WILL ONLY BE ALLOWED TO PRINT THE PAGES YOU REQUESTED IN IDOCMARKET.

The final step is to click “Print”.

NOTICE: If you click the first radial button for PRINT ALL PAGES and then go to the second print page and select individual pages, you will be charged for ALL pages in idocmarket. Make sure you select the individual pages you want to print in the first print page area, not in the 2nd print page area.

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TRUSTED SUBMITTERS for electronic recording

ePN

Pam Trombo 888-32!">-3365 x 11240

ptrombo@er«Ofd�ners.net

WWW.N'ecordl�s.net/

tndecomm Global services

eRecord supoort 651-76>0400

[email protected]

www.Jntetedocdirect.net

C5C

Jana Miyasaki 435-374-0145

[email protected]

www.lngeo.com/

Slmpllflle

Melanie Gornick 801-223-1050

�k@slmpllfile com

www.simphfi .com

Nationwide Title Clearing

Brian Ernissee 727-nl...WOO ic.210

Brlan_Hnlsseefifnwtc.com

www.nwtc.com

E-RECORDING INFORMATION XXIII

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·-- • Title Clearing-

Page 1 of 4

FAQ's I

Call toll r, ... 0307 472 1942

MNERERC Ii

RESOURCES

FAQ's

!::!2!!:m FAQ"s

Why eRecord? +

What are the benefits of eRecording for a business? +

What are the benefits of eRecording for a county? +

Are there any risks in eRecording documents? +

When should documents be eRecorded? +

+

t

t

What eguipment and software does a county need to eRecord and how do they pay for It? t

ow uch does ·t cost to eRecord an original document? +

+

ecorded? +

When Is an electronic document deemed to be recorded or registered? +

Does eRecording have any impact on crjority? +

nt submitter submits an eDocument for recording or re lstratio when t�

Is a Recorder or Registrar responsible foe determining whether an electronic document is an original +

instead of a copy?

Does an electronic document satisfy the statutory recording. E!xecution. and acknowledgm� reguirements that apply to paper documents'

May a eoocument submitter eRecord a certified copy of a document?

E-RECORDING INFORMATION

http://www.mnererc.com/faqs/ XXIII

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+

t

DEFINITIONS

Page 1 of2

GlJIDELINES

Pa9.e 2 of 4

j/6/2019

http://www.mnererc.com/faqs/

http://www.mnererc.com/faqs/

FAQ's I

May a eDocument submitter remove staples from a stapled document or certified copy of a document

sus;h as a document that has been recorded in another recording jurjsdictjon or a certified copy of a

document that has been obtained from a state or federal court, in order to eRecord it or must that type of document be submitted by physical delivery to the recorder's office?

May a eDocument Submitter eRecord documents 9,[jginated in jurisdictions outside of Minnesota? +

May a county change an original document or the recording order of original documents submitted in a +

single package?

If the eDocument submitter data in Level II does not match the submitted image may the county index the

document based on the information in the document image?

May a county change the document type of a document submitted by a eDocument submitter?

What the difference between Model L II JII documerus

Models of eRecording defined as:

Model 1: Paper document

Ink signatures scanned by submitter for transmission to jurisdiction

Model 2: Paper document

Ink signatures scanned by submitter for transmission to jurisdiction

Indexing data included with image

Model 3: Fully electronic document with tagged data elements

Electronic signatures

(PRIA.US website March 2015)

Copyr,ghts lfi 2014 I Minnesota Electronic Real Est;ite Recording Corrnss1on

E-RECORDING INFORMATION

http://www.mnererc.com/faqs/ XXIII

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Page 2 of2

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GUIDELINES FOR E-RECORDING SCANNING

Scan each document separately as a .tif file ONLY. (Not .pdf, not .jpg . . .) Fuzzy or granular image(s) are likely caused because it was scanned in as a .pdf image which is not allowed at this time. RE-SCAN the document as a .tif image.Scan at a minimum of 300 dpi. However, any maps, surveys or pages with small details should be scanned at a minimum of 400 dpi.Scan in Black & White ONLY (not color, not greyscale)Scanning in a color document may need special scanner settings in order to get the best Black & White image you can. If you cannot get a clear B&W image then I would recommend you record the document as a paper document. DEATH CERTIFICATES CANNOT SAY "VOID" in the scanned image. You may need to lighten the scanner settings in order to get a good copy of the Death Certificate.

Scan in pages cleanly - use deskew, despeckle and black border removal if necessary. Adjust the contrast and/or resolution. If that doesn't completely fix the image(s), tweak your scanner settings and RE-SCAN and repeat if necessary.Make sure all signatures are scanned in clearly. If they don't come through well, change your scanner setting and RE-SCAN.Make sure you are capturing everything on each page so you need to review your images. Any information that is close to the edge of a page may not show completely on the image. You may need to change your scanner settings to capture everything.Darken impression seals with some old carbon paper or with a pencil so it will show up on the image.

Fuzzy or granular image(s) are likely because it is a .pdf image which are not allowed. RE-SCAN the document as a .tif image.Review your scanned images to make sure you have captured every page (back to back gets missed sometimes) and remove extra blank pages that may have been scanned.Remember, you MUST scan the ORIGINAL document ONLY. (No photocopies) and septic disclosure documentation must be scanned in as HELPER images, not as part of the Original Document.PLEASE remember you are creating a digital document that must be legible and needs to be a permanent record. Take some pride in scanning it in so that it looks just as good as the original. THANK YOU!

E-RECORDING INFORMATION EXHIBIT XXIII Page 4 of 4

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