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Home My WebLink About916056 i"¡~~¡¡~~¡~~f ,"~-I. (;P C00540 R.erura To: Americah ßrokera Condui~ 520 Broadhollo~ Road Melville, NY 11747' Prepared By; MèLtthew Beokley 4004 Kru~e W~y Place Suite 175 Lake Oewe~o, OR 97035 RECEIVED 2/16/2006 at 4:05 PM RECEIVING # 916056 BOOK: 612 PAGE: 540 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY -,--.. ~..._..,--,_. --- _____'a_''_ '7 v rSplla! AÞov~ T1116 IJIII1 Far RccDtdblg DIltaJ MORTGAGE M[N 10002'200011640337 <I f\ \~ DEFINITIONS ..I .~ Wotds ua:d in multiple acctiog5 of tbl.:s dOt:\UJ1ollt arc. dafincd bcWw aDd olber words Bro d~.fiocd in Scolioos 3, 11, 13, 18.20 and 21. Cc.rlaLn rules ro~g the IIn~ Dr words used in this documCllt !lrC 11160 provided in S"olion 16. £;~ ,J:? "c 1 '-¡/ · 51- è. (A) "Security J..&lmIlUlh(1I mðatls this documen4 whích is datecl Fabruary \, 2006 togetber with all1üdcrs to Lbi& document (B) ABorroW'er~ II EARL J. CACHO and StJSAlII RAi. CACHO - tJ~j. b~and/~fe L/1I ~ ~~ M {!~ BOrrower J5 the lUortgagor WIder this ScwriLy Inll~Dt. (C) "l\IERS" ¡. Mortg~ EJectrollÍC bgietratil1ll Systems~ fbe. :MBRS is a SCparate C"()rporetion that is actin!: 6OIe13' n II oorniøee for Lender qnd Lcoder's SI1CCCSIiOrs II.I:lIi 1I:I.SigJ:I/J. MEltS is (he mol1gqeo IIDder th~ '.' Security Indnul1uat. MERS is orglUlIzcd aød QÍ6tUJg \lndcr the laws of Delawarc, and hIlS an IIddrc& IIlld ¡e1epbonc Dumber of P.O. Box 2026. FHot. .MJ ~501-20U, lel_ (88S) 679-ME..RS_ roc t: 322sn Å~~L ,;0001164033 WYOMING.SlnsI= F'II'III)'- FIuuú. ------c---~~(Wy)~~~ - 7....1<>1'1::/ 111131 "C5.Ql IAlll&I'l . MA~h-tddil Mac UNlJ'OIW .IN'STJl.VMEJoIT WITa MUS '~~-e-¡-ç: ~ 11'01111 3051 I{IIJ -"'"""----.._-~~-~--~-----,-,~-,- ~-- IINr UOR1U4GI! JlOIU4, . (1ItI!)n1o""0<9. 111~lllwml .-:: '_~2j;iUÄQ::¡-:¡:".<,';~~,;5.:'.;:~.'\;'.;, ': ''''.', , . 0316056 COC541 (D) "Lender" is American Brokers Conduit Lenúer is a Corporation organized and existing under the laws of State of New ~ork Lender'saddressis538 Broadhollow Road, Me:'ville, NY 11747 (E) "Note" means the promissory note signed by Borrower and dated February 6, 2006 The Note states that Dorrower owes Lender T.,¡o lIund=ed Th:'rty Seven Thousand and No /1 0 0 DoIlars (U.S. $ 237,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than March 1, 2036 (F) "Property" means the property that is described below under the beading "Transfer of Rights in the Property. " (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: D Adjustable Rate Rider D Balloon Riúer D VA Rider D Condominium Rider D Planned Unit Development Rider D Biweekly Payment Rider D Second Home Rider D 1-4 Fllmilv Rider D Other(s) [~pecify] (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealahle judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds TransCer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (ill) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against [he nonpayment of, or default on, U¡e Loan. (0) "Periodic Payment" means the regularJy scheduled amount due for (i) principal and interest under the Note, plus (ii) any amount.,> under Section 3 of thi,> Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq,) and its implementing regulation, Regulation X (24 C.F.R.Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESP A" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESP A. roc #: 322592 APPL i:OOOl164033 cD ·6A(WY) (LW5) ~ rag. 2 <1 U 4k 5/..tÞ. Form 30.51 1101 '.:I¡ilim¡~~f¡iL "'," 091605G C00542 (Q) "Successor In Interest or Borrower" means any party that has taken title to the Property, whether or nat that party has assumed Barrower's abligatians under the Nate and/ar this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures ta Lender: (1) the repayment of the Laan, and all renewals, extensions and madificatians af the Nate; and (ü) the perfarmance af Borrower's covenants and agreements under this Security Instrument and the Nate. Far this purpase, Barrawer daes hereby martgage, grant and convey ta MERS (sa]ely as naminee for Lender and Lender's successars and assigns) and to the successars and assigns af MERS, with power af sale, the fallawing described property ]acated inthe County of Lincoln [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] LOT G8B OF ALPINE VILLAGE SUBDIVISION NO. I, PLAT 3 N1ENDED, LINCOLN COUNTY, WYOMING AS SHOWN ON THE PARCEL DIVIS:ON FILED MARCH 20, 1996 AS INSTRUMENT t817052 OF RECORCS O? THE LIN~OLN COUNTY CLERK. Parcel JD Number: 12-3718-18-4-C2-0l0 1~5 ELKHORN DRIVE Alpine ("Property Address"): which currently has the address af [Street] [City] , Wyoming 83128 [Zip Code] TOGETHER WITH an the impravements naw or hereafter erected an the praperty, and an easements, appurtenances, and fixtures now ar hereafter a part af the property. AI] replacements and additians shan a]sa be covered by this Security Instrument. AI] af the foregoing is referred ta in this Security Instrument as the "Property." Borrawer understands and agrees that MERS ha]ds only legal title to the interests granted by Borrower in this Seeurity Instnlment, but, if neeessary to comply with Jaw or (:ustom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: ta exercise any ar an of thase interests, including, but nat limited ta, the right ta fareclase and sell the Property; and to take any actian required af Lender including, but nat limited ta, releasing and canceling this Security Instrument. BORROWER COVENANTS that Borrawer is lawfully seised af the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except far encumbrances of record. Borrawer warrants and will defend gcneraJly the title ta the Property against all claims and demands, subject ta any encumbrances af record. THIS SECURITY INSTRUMENT cambines unifarm covenants for nationaJ use and nan-uniform covenants with limited variations by jurisdiction to eanstitute a uniform security instrument covering real property. C ·6A(Wy) (0005) ~ rage 3 of t5 ~ Sill FOrm 3051 1101 DOC #:322593 APPL f:0001164033 i~f~~I~j~~~!;iI~~¡r; )I¡I~~*J1m~jr 091.6056 '·^r.543 .... V \ UNlFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges, Borrower shall pay when due the principal of, aod interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuaut to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) C3sh; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received hy Lender when received at the 10C3lÎon designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lemler is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. jf not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments ducunder the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application or Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it heC3me due. Any remaining amounL'i shan he applied first 10 late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrowcr to the repayment of the Periodic Payments if, and to the cxtent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shaH pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and asscssments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounL'i to he paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shaH pay directly, when and where payable, the amounts due for any Escrow Items for which payment of DOC #:322594 APPL *:0001164033 Q .6A(WY) (OO()5) ~ Pag' 4 ci 15 ~ ~~ Form 3051 1/01 09'_6056 00544 Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require, Borrower's obligation to make such payments and to provide receipts shaH for aH purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall he held in an institution whose deposiL~ are insured hy a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESP A. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a chargc. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESP A. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESP A, Lender shall notify Borrower as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly paymenL~. H there is a.deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments, Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shaH pay aH taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable. to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) sccures from the holder of the lien an agrcement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Seeurity Instrument, Lender may give Borrower a notice identifying the lien. Within 10 DOC #:322595 APPL f:0001164033 ca .6A(WY) COOUS) ~ rage 5 ct IS W~~ 3d.. ~ Form 3051 1101 ~~mm*¡!im¡I;~; ·:¡Iili~i¡~.~ OS160S6 " 0054 5 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lemler m1lY require Borrower to P1lY a one-time charge for a real estate t.IIX verüi¡;¡¡tion and/or reporting service used hy Lender in connection wilh !his Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, eertüieation and tracking services; or (b) a one-time charge for flood zone determination and certüieation services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is Ul)der no obligation to purchase any parriel.1lar type or 1Imount of coverage. Therefore, such cover1lge shall cover Lender, but might or might not prolect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might signüicantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Dorrower secured by this Security Instrument. These amounts shall bear interest at the Notc rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shaJl be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional Joss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee, In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss ü not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insur1lnce proceeds, whether or not the underlying insurance was required by Lemler, shaJl be applied to restoration or repair of the Property, if the restoration or repair is economically feasihle and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreemcnt is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shaH be the sole obligation of Borrower. If the restoration or repair is not economicalJy feasible or Lender's security would be lessened, the insurance proceeds shaH be applied to DOC #:322596 APPL .:0001164033 C,M(WY) ((((S) @ rage ó cj 15 4 Qc... Form 3051 1/01 O~1..6056 r('\I"I~46 \.·u!;~ the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrowe::r abandons the:: Prope::rty, under may file, negotiate and se::ttle:: any available insurance claim and relaled mallers. If Borrower does not respond within 30 days to a notice from Lender thal the insurance carrier has offered to settle a c1aim, then Lender may negotiate and settle the c1aim. The 3D-day period wlIl begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Dorrower's rights (othcr than thc right to any rcfund of unearned premiums paid by Borrower) under an insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shaH occupy, establish, and use the Property as Borrower's principal residence ",ithin 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shan not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whet.he::r or not Borrower is residing in the:: Prope::rty, Borrower silltll mainGiin the Property in order to prevent the Properly from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant lcJ Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds arc paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has re]eased proceeds for such purposes. Lender may disburse proceeds for the repairs and rcstoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. if it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shaH give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrowcr has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable .. ·M(WY) (UOOS) @ rage 7 of 1.1 ~E¡¡c SÆ. t/¿ Form 3051 1101 DOC #:322597 APPL *:0001164033 ~iliiliî~mm~~:~ ::ij~?¡{} 031.60S{) f' ;..,00547 attorneys' fees to protect its intercst in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shaH become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shaH be payable, with 1>1Ich interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of tbe lease. If Borrower acquires fee title to the Property, the leasehold and the fee title sbaH not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making tbe Loan, Borrower sball pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower sball pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of tbe Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantiaJJy equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments tbat were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shaH not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on an such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that tbe mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums) . As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying tbe mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lemler takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsuTance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not Increase the amount Borrower will owe for Mortgage Insurance, and the)' will not entitle Borrower to any refund. DOC #:322599 APPL #:0001164033 C ·6A{WY) (00)5) ~ raga 8 rt l' -f€/L- S4J~ Form 3051 1/01 û9t60S6 00.548 (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain discJosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receiye a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shan have the right to hold such Miscellaneous Proceeds wltil Lender has had an opportunity to inspect such Property to ensure the work has been comp1cted to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such MiscelJaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the MiscelJaneous Proceeds shall he applied to the sums secured hy this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taJúng, destruction, or loss in value of the Property, the Misœllaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, Ule sums secured hy this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destTIlcdon, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due, If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shaJI be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has oceurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that arc attributable to the impairment of Lender's interest in the Property arc hereby assigned and shalJ be paid to Lender. All Misce]]aneous Proceeds that are not applied to restoration or repair of the Property shall be appJied in the order provided for in Section 2. DOC #:322599 APPL *:0001164033 _ .6A(WY) (0005) c&> I'ng. 9 of is ~ S4.1t Form 3051 1/01 ¡¡~il!mmjj¡i~j¡~m~¡ ~m~i;~~;m:~j 0916056 00549 U. Borrower Not Released; ForbelU1lnce By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shaIl not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the !.l.lms se¡;ured by this SeL'urity Instmment by re¡¡son of ¡¡ny demll1ld m¡¡de by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy incJuding, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or precJude the exercise of any right or remedy. 13. Joint and Several UabilitYi Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-sigoing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obJigated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forhear or make any accommodations with regard to the tcrms of this Security Instrumcnt or the Note without the co-signer's consent. Subject to the provisions of SeLiion 18, ¡¡ny Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obJigations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shaIl bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's defmJlt, for the purpose of protecting Lender's interest in the Property II1ld rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted IimiL'i, then: (a) an)' such Joan charge shan he reduced hy the amount necessary to reduce the charge to the permitted limit; and (b) any sums already coHectcd from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower, If a refund reduces principal, the reduction wj]] be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of ooy such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in w-citing. Any notice to Borrower in connection with this Security Instrument shaH be deemed to have been given to Borrower when mailed by first class mail or when actuaHy delivered to Borrower's notice address if sent by other means. Notice to anyone Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shaH promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shaH only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at anyone time. Any notice to Lender shall be given by delivering it or by mailing it by first cJass mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy l:!b~coirffF9~diPg requirement under th~1ft~offi5f~~t. cD ·6A(Wy) (0005) @ rage 10 of 15 $ S4-:!.. Form 3051 1/01 O~1.6056 or550 16. Governing Law; Severability; Rules of Construction. This Sccurity Instrumcnt shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicabk Law might explicitly or implicitly aHow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or cJause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shal1 not affect oUler provisions of this Security Instrument or the Note which can he given effect without Ule conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and incJude correspoDtling neuter words or words of the feminine gender; (b) words in the singular shal1 mean and incJude the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower' s Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of al1 sums secured hy this Security Instrument Howcvcr, this option shall not bc excrciscd by Lendcr if such cxercise is prohibitcd by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is' !"riven in accordance with Section 15 within which Dorrower must pay all sums secured by this Security Instrument. If Dorrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower' s Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (h) such other period as Applicahle Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Set.1Jrity Instnlment, and Dorrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the foJJowing forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had o<x:urred. However, this fight to reinstate sh1ll1 not apply in the l:ase of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partia] intcrest in thc Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that col1ects Periodic Payments due under the Note and this Security Instrument and perfonns other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, Ule address to which payments should be made and any othcr information RESPA requircs in connection with a DOC #:322601 APPL *:0001164033 . -MCWy) (0005) C!J Puge 11 of 15 ~~ $-I1C Form 3051 1/01 ~¡i!im~m;~~~if~~,¡~ :'~~~~!tmm~m~l::: 0916056 Gf~551 notice of transfer of servicing, If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the. purchaser of the Note, thc mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument Or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compHance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action, If Applicable Law provÎdes a time period which musl elapse hefore cerlain aclion can he laken, lhallime period will he deemed 1.0 he reasonahle for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20, 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generalJy recognized to be appropriate to normal residential uses and to maintenance of the Properly (including, hulnol limited lo, hazardous suhslances in consumer produCL~). Borrower shall promplly give Lender wrillen nOlice of (a) any invesligation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Suhsbmce or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. DOC #:322602 APPL i:OOOl164033 cD ·6A(WY) (txJ()5) ~ hg. 12 of 15 ~4I£ ~C! Form 3051 1101 09~t6056 00552 NON-UNIFORM COVENANTS: Borrower and Lender further covenant and agree as follows: 22. Accderatiun; Remedies. Lender shall give noUce tu Burruwer prior tu acceleratiun fu))uwing Borrower's breach of any covenant or agreement in this Securit), Instrument (but not prior to acceleration under Section 18 unless Applicahle Law provides othenvise). The notice shan specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that Cailure to cure the deCault on or beCore the date specified in the notice may result in acceleration oC the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the rightto reinstate after acceleration and the right to bring a court action to assert the non-existence oC a default or any other defense oC Borrower to acceleration and sale, If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in fulloC all sums secured by this Security Instrument without Curther demand and may invoke the power oC sale and any other remedies permitted by Applicable Law. Lender shan be entitled to conect an expenses incurred in pursuing the remedies provided in this Section 22, including, but not Umited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender sha]] give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in àccordance with Applicable Law. Lender sha]] give notice of the sale tu Burrower in the manner provided in Sectiun 15. Lender shall publish the notice of sale, and the Property shan be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shan he app]jed in the fonowing order: (a) to a)) expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to an sums secured by this Security Instrument; and (c) any excess to the person or persons lega]y entitled to it. 23. Release. Upon payment of all sumS secured by this Security Instrument, Lender shall release this Security Instrument. Borrower shan pay any recordation costs. Lender may charge Borrower a fee for releasing this Security instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24, Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. DOC #:322603 APPL ,:0001164033 . ·6A(WY) (OO!S) o!) l'ale 13 at 15 ..~ S/I<(l Form 3051 1101 ~..~ ';' >f,f;,~.J,~;;; ;:1; Ai1( ô~lt'} :t1é,' i"\'~,~.'· ''''¡+."-~':'''1.'''':¡''k ~¡i;¡;¡;I;~;1~~;'::; nm!~~f~mr~~ O· 91 (-'0' C"6 .. .......:.) ~ nn55·3 ..... .- BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: 4£¿;t (Seal) ·Borrower ~~~ß C4¿¿,(Seal) SUSAN RAE CACHO .Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) (Seal) -Borrower -Borrower DOC #:322604 G-6A(WY) (0005) <!> APPL *:0001164033 Page 14 of IS Form 3051 1/01 0916056 C00554 STATE OF WYOMING, Lincoln County ss: Februa-::y 1, 2006 The foregoing instmment was acknowledged before me this hy EARL J. CACHO and SUSAN RAE CACHO My Commission Expires: 9-15- 07 ~/~~ GLORIA K. BYERS. NOTARY PUBLIC C~unty of State of Uncoln . WyomIng My CommIssIon Expires Sept. 15, 2007 DOC 1:322605 APPL ~:OOOl164033 ~ .6A(WY) (0005) ~@ . I'age IS at IS -fJL :Ø2~ Form 3051 1101 [[ii!~~;f~i~¡~lIW~):