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Home My WebLink About918423 liD \ 1-) 18 ;m?~ff.:~~:mTI:~' (~::::!::::::t:::::::;:; ~mmm¡~!iµ[m ',; ',.;......,.¡.~....;;O....-,'....,..",.:.:.~~.~':1~_:u~:.r~~-"':_~:;;.·:,·;_·':":'··O¡.·,:r.'iU"}'SiOt:'~". .....' ·:Of'. .1 :. ··,.j.....;........'..II).,.. l:l~;>·.....ii'~"ii\;.'_<,.-·"...·.;.'h.!,·.i·~·_·,:.::ÞJJ"J·:?~·j :.Õ:'·¡' ,-.... . .. ...., . ',' ·...."I.·I"....~·,~J.':¡. . ;'.;.;;;. ....' :':..;'.'+.......~...!o:'.....'. 0056376924 3d--- 000154 WHEN RECORDED RETURN TO: WELLS FARGO HOME MORTGAGE 3601 MINNESOTA DRIVE BLOOMINGTON, MN 55435-5290 RECEIVED 5/16/2006 at 1:16 PM RECEIVING # 918423 BOOK: 620 PAGE: 154 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY MODIFICATION AGREEMENT THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND MY MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE I MUST PAY. THE STATE OF WYOMING COUNTY OF LINCOLN KNOW ALL MEN BY THESE PRESENTS: Recit~ls Reference is hereby made to that one certain Promissory Note (the "Note") dated OCTOBER 06 . 2005, in the original principal sum of $ 183,350.00 executed by NICHOLAS R. GOODMAN AND LAURA K. GOODMAN I HUSBAND AND WIFE ( herein referred to as "Borrower" whether one or more), payable to the order of WELLS FARGO BANK, N.A., SUCCESSOR BY MERGER TO WELLS FARGO HOME MORTGAGE, INC. ("Lender"). and said Note being secured by. among other instruments. that certain Deed of Trust. Mortgage or Security Deed (the "Security Instrument") of even date therewith duly recorded * OCTOBER 11, 2005 . in the Real Property Records of LINCOLN County, WYOMING . the above said instruments concerning encumbering and creating liens against the following described property (the '~Property"). to wit: Multi-State Modification to Arm Loan with No Conversion Option Requires new T .I.L. and Program Disclosure Anach Completed ARM Rider as Exhibit "S" NMFl# 2982 (MANC) Rev 08/08/2005 ~ Pege 1 of 8 Initiels * INSTRUMENT I: 912652 BOOK 600 PAGE 697 LbJ ·,....4.·.~.·.....·...·.·,··,···.;·,·,·,-.·,·:···.:..'F· "-'.' -," "'1_,';<". ,.,. ....,'.%.... .. ' ". ,_-oJ.. :}",~.,"'.'. ',' ,.........,.,......~. '.'j', ·-·'···.·'·,.(·1("11.1..,....' ",., ·'·'1·t-"",..,.O.·,"'·' ..',.,.... '." '~~.:.·.·.-..':"_-.;.I' ,>. " ·,'W. " '. ..~..'.~.~.:.~.'.-"', 0918423 000155 See Exhibit "A" attached hereto and made a part hereof for all purposes and being the same property located at 222W 1ST AVE, LABARGE, WY 83123 WITNESSETH I WHEREAS, Borrower now desires to modify the Note and ratify said liens against the property; and WHEREAS. Lender. the legal owner and holder of said Note and liens securing same. in consideration of the premises and at the request of the Borrower has agreed to modify the Note as hereinafter provided; and WHEREAS. the Borrower. in consideration ,of the modification of the Note as hereinafter set forth by the legal owner and holder thereof. has agreed to ratify said Note and indebtedness evidenced thereby and reconfirm Borrower's unconditional promise to pay to the order of WELLS FARGO BANK, N.A. at its offices at P.O. BOX 17339, BALTIMORE, MD 212971339 . or at such other places as the holder of said Note may designate in writing. the principal sum of ONE HUNDRED EIGHTY SEVEN THOUSAND EIGHT HUNDRED AND 00/100 ($ ***187.800.00 ) or so much thereof as may have been or may be advanced under the Note. together with interest thereon at the rates herein provided, in accordance with the terms thereof and hereof from and after the effective date of this Agreement until maturity. NOW. THEREFORE. in consideration of the foregoing, the parties hereto agree that the Note and Security Instrument are hereby renewed. extended and/or modified. as follows: I. Items 1 through 11 below shall. as applicable. amend, modify and replace those items in the Note 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received. I promise to pay U.S. $ ***187,800.00 amount is called "Principal"). plus interest. to the order of the Lender. The Lender is WELLS FARGO BANK, N.A. (this I will make all payments under this Note in the form of cash, check or money order. I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the" Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of principal has been paid. I will pay interest at a yearly rate of 6 . 3 7 5 %. The interest rate I will pay will change in accordance with Section 4 of this Note. The interest rate required by this Section 2 and Section 4 of this Note is the rate I will pay both before and after any default described in Section 7(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payment on the first day of each month beginning on JULY 01 , 2006. I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied to interest before principal. If. on JUNE 01 . 2036, I still owe amounts under this Note. I will pay those amounts in full on that date. which is called the" Maturity Date.;' ~ I NMFl# 2982 (MANCI Rev 08/08/2005 "LfL4f paga 2 of 8 \ C0\ "f -' fe·, . ~"'ill' .·~i·"·''-' '~H :..~t~~::'i·:1:1j;: ::~m~ia~?¡I~ ~m;~m~¡¡;¡~1mmki¡ ".-.'.' '.~' .' ..... '''--'. ""..~.. "..,,,,_,,,,,,,_,,.. _"",~"~..","",_",,,,,,,.,,,,,,,,,__,-,,,,,~,.,.-..-u";".'·'·6 ,., .,.~......_.'~.'.'~''''-'_ .'._.'.' ..... #..·...._'n ....,.".'......._.:.....'"._.~, ~...... ·-......·........·.............·'.........r.......;"... ._~, ..,...... ...... "."... "............~,.".."'.....:..~.,....,.-'.,. .:-.,...,',."",..,....,..............., 091,,8423 000156 I will make my monthly payments at WELLS FARGO HOME MORTGAGE, P.O. BOX 17339, BALTIMORE, MD 212971339 or at a different place if required by the Note Holder. (B) Amount of My Initial Monthly Payments Each of my initial monthly payments will be in the amount of U.S.$ ******1,171.63 amount may change. . This (C) Monthly Payment Changes Changes in my monthly payment will reflect changes in the unpaid principal of my loan and in the interest rate that I must pay. The Note Holder will determine my new interest rate and the changed amount of my monthly payment in accordance with Section 4 of this Note. 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the first day of day every 12th month thereafter. Each date on which my interest rate "Change Date". . and on that could change is called a (B) The Index Beginning with the first Change Date. my interest rate will be based on an Index. The "Index" is the weekly average yield on United States Treasury securities adjusted to a constant maturity of 1 year. as made available by the Federal Reserve Board. The most recent Index figure available as of the date 45 days before each Change Date is called the "Current Index". If the Index is no longer available. the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date. the Note Holder will calculate my new interest rate by adding percentage points ( .000 %) to the Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (0.125%). Subject to the limits stated in Section 4(D} below. this rounded amount will be my new interest rate until the next Change Date.The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than .000 % or less than .000 %. Thereafter, my interest rate will never be increased or decreased on any single Change, Date by more than percentage point(s) ( .000 %) from the rate of-interest I have been paying for the preceding 12 months. My interest rate will never be greater than .000 %. (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes , The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given me and also the title and telephone number of a person who will answer any question I may have regarding the notice. ,,/1. NMFl# 2982 (MANC) Rev 08/08/2005 L1LJ? Page 3 of 8 Initials ~~ · ·'L"O:",.._ . ,....-;.,.,.........-..... ...- -..............,., 09l84Z3 000157 5. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment". When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. ' I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However. the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Prinicpal amount of the Note. If I make a partial Prepayment. there will be no changes in the due dates of my monthly payment unless the Note Holder agrees in writing to those changes. My partial Prepayment may reduce the amount of my monthly payments after the first Change Date following my partial Prepayment. However. any reduction due to my partial Prepayment may be offset by an interest rate increase. 6. LOAN CHARGES If a law. which applies to this loan and which sets maximum loan charges. is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits. then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal. the reduction will be treated as partial Prepayment. 7. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charges for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due. I will pay a late charge to the Note Holder. The amount of the charge will be 5.0000 % of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If I am in default. the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date. the Note Holder may require me to pay immediately the full amount of principal that has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder Even if. at a time when I am in default. the Note Holder does not require me to pay immediately in full as described above. the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above. the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include. for example. reasonable attorney's fees. NMFl# 2982 (MANC) Rev 08/08/2005 dd Initials ~ Page 4 of 8 :!i~i¡ill~¡l~U ',:::~:::~:;":;~~: :;~::::::*~:;:Bi:;; ,.,...'_""...... .._~',.,"'......" ~ .........,....,...,~.............. ...,...,..~'_ __ .0-....", _.,...0 "".'''_'--,"' .'_''-''. -. _,.....~_-., 4'··_..···....__.·····, .....,_.."-.~'...,.,-','''"."'".",:o.'- ..... .-. 0'918423 {]00158 8. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each pers~n is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that anyone of us may be required to pay all of the amounts owed under this Note. 10. WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment, and Notice of Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 11. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust or Security Deed (the "Security Instrument"). dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises that I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: 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 all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. Lender also shall not exercise this option if: (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted by Applicable Law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender may also require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. NMFL# 2982 (MANC) Rev 08/08/2005 ø Page60fB Initials Lbt ",," ·.·,........,'.e,...;'"....,'..,·.,·.·,·,·,·.·.·..·,.,.",f,:""""",:..,.;...'· 'J_I'" .., ."',.",.:,...,.....;.,, . ,." .". . '.!;' '''-'t'fI''~''''''':-'-'~''''".'':'. ... ;....~:-~.......,,·_,'"·...·'>'I...~·'·IVl.........·'"~,.;:,.,.· ",".~;.t .'. "'" '.,.;..... '.·;·'.q-'·'..;,I...·.-.,:, .. .'"',..,.,.,......,,'.;..:~..,!'I'....;.:.,.... 001Q1 r')\..) ..~. (~J~~~.w 000159 If Lender exercises the option to requira immediate payment in full, 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 given in accordance with Section 1 5 within which Borrower must pay all sums secured by this Security Instrument. If Borrower 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. (Check and Complete if Applicable): XY II. The Security Instrument shall be and hereby is amended as follows: xx: (A) Reference to the maturity date of the debt secured by the Security Instrument is changed from APRIL 06, 2006 to JUNE 01, 2036 (B) The Adjustable Rate Rider attached hereto as Exhibit "B" is hereby incorporated into and made a part of the Security Instrument. (C) The Manufactured Home Rider attached hereto as Exhibit "C" is incorporated into and made a part of the Security Instrument. Further, it is expressly agreed that for and in consideration of this Modification Agreement, Borrower hereby releases and forever discharges Lender and its officers, directors, counsel, employees, agents, predecessors, successors, and assigns from all causes of action, claims, rights, and controversies, known or unknown, which Borrower had, now has, or may hereafter acquire which relate to, are based on, arise out of, or are in any way connected with any acts of Lender or its above affiliates occurring prior to the executio~ of this Agreement and relating in any manner to the above described Note or Security Instrument or the Property described herein or therein. This is a general release of all possible claims and causes of action of every kind and character related to the above described subject matter and is to be interpreted liberally to effectuate maximum protection of Lender and its above affiliates. The Borrower hereby ratifies Lender's liens and/or security interests against the Property until the Note as so hereby modified has been fully paid, and agrees that this renewal, extension and/or modification shall in no manner affect or impair the Note or the liens and/or security interests securing same and that said liens and/or security interests shall not in any manner be waived, but are acknowledged by Borrower to be valid and subsisting, the purpose of this instrument being simply to modify the Security Instrument and the time and manner of payments of the Note and ratify all liens and/or security interest securing same, and the Borrower further agrees that all terms and provisions of the Note, the Security Instrument and the other instruments creating or fixing the liens and/or security interest securing same shall be and remain in full force and effect as therein written, except as otherwise expressly provided herein. A breach or other default of any of the terms of this Agreement by Borrower shall constitute a breach or default under the Note and Security Instrument, and Lender shall thereupon have the right to seek all remedied available to it under the aforesaid loan instruments. Borrower covenants and agrees that the rights and remedies of the Lender under this Agreement are cumulative of, are not in lieu of but are in addition to, and their exercise or the failure to exercise them shall not constitute a waiver of, any other rights and remedies which Lender shall have under the Note or the Security Instrument. It is agreed that time and the unimpaired security of Lender are the essence of this Agreement. NMFL# 2982 (MANC) Rev 08/08/2005 d Page6of8 Initials [,01 ~*:~!W~!¡~ """;'~"""'l:t,,:,~, ',¡;,¡~~'~'- ~:::::::11~~~~~:¡~~¡ I::¡:¡~~. .-t':'¡4!i~~"~.".'; 'I ¡æ~t,!~ :~~i~:;:¡;i;: :::!:~~!~:k;:~~::~; ,''jO( '~I~f~'!::"" ,. '..,' "'. ...., .., ':,'.:, "';':'''. ~ ,". ',: ':. . , ~.'.' ',',' ....-,....,.............. " ';"'1',' .~,'~·L"!:!l::I'J"..:.. "_~";~,~''''.'!~.aa''I:!.!tIf.~''''''.;,. '. . ."',o¡'. .,.,....1.r:/".. .': ;¡: ....;, ~ ...'~:.il:~':~:~.~;~;.:;VI".;T¡-.~:.¡ 0318423 C00160 Borrower covenants and agrees that this Agreement represents the final agreement between Borrower and Lender relating to the above described subject matter and may not be contradicted by evidence of prior, contemporaneous or subsequent oral agreements of the parties hereto. Except as expressly provided herein, the Loan and all instruments evidencing and securing same shall remain unaffected, unchanged and unimpaired. In the event of a conflict between the terms of the Note or this Agreement, the terms hereof shall be controlling. By entering into this Agreement, the parties have no intention whatsoever to extinguish or discharge the indebtedness or liens and/or security interests evidenced by the loan instruments or to effect any novation. Borrower further covenants and agrees that there are no unwritten oral agreements between the parties hereto relating to the above described subject matter. EXECUTED this the 10TH day of MAY (SEAL) d22';:;l- NICHOLAS R. GOODMAN (SEAL) (SEAL) ~/7CL~~wJ LAURA ~. GOODMAN ..' (S'AU (SEAL) (SEAL) (SEAL) (SEAL) WITNESS: WITNESS: ACCEPTED AND AGREED TO BY THE OWNER AND HOLDER OF SAID NOTE: BY'~ =Je> Na~e -'. All ~ Title: ASSISTANT V PRESIDENT ~~ ONY PALACA NMFl# 2982 (MANCI Rev 08/08/2005 Page 7 of 8 Initials · ····,...·........,....,·I·,-!'·¡·\··.I('"'~~,·\';.:~~..-rol;~·r"~_.¡:n.........·,.¡y... ;.."';'-..'.'¡'f'"'>1~_-.-' . ','. ,.,..... .,..,.;.,............y.......,.-.... .."...... ..... ..' - ··...-..\:.·..~·~·l:<'-·""I~~ff¥f·~.i#;""'...~~..~.,-...~ : ... ~;,~:,,···..1'Ø~·~.,......:¡.,""'...,._·.,,--._,·:<,·.W..;.-'!'.;.;>···.~:-..~;r.,~.t:...-';". C00161 091.842,3 THE STATE OF WYOMING COUNTY OF LINCOLN BEFORE ME, the undersigned authority, on this day personally appeared , as of , known to me to be the person whose name is subscribed to the foregoing instrument and acknowledged to me that he executed the same for the purposes and consideration therein expressed, in the capacity therein stated, as the act and deed of said GIVEN UNDER MY HAND AND SEAL OF OFFICE this the 10TH day of MAY ,2006. My Commission Expires: Notary Public for the State of WYOMING Name: THE STATE OF WYOMING COUNTY OF LINCOLN BEFORE ME, the undersigned authority, on this day personally appeared NICHOLAS R. GOODMAN AND LAURA K. GOODMAN known to me to be the person(s) whose name(s) is/are subscribed to the foregoing instrument and acknowledged to me that he/she/they executed the same for the purpose and consideration therein expressed. GIVEN UNDER MY HAND AND SEAL OF OFFICE this the 10THday of MAY , 2006 . My Commission Expires: ,-0 l:'-'-O>,,-<-O:- -"<,-<,-<,-<,-<,<,,,,«tQ.-c:¢ Î ¡NANCY STAFFOI\D - NOTARY PUBU~' COONlY Œ' STATE Œ' LINCOlN '({i..OONG M>¡ Comm1~sion Expires 10 - d- \,~...··!·-·c>·,_·:;...:.:::~··-:.::-··:.......<'-:;.~;;......:~ Drafted By: ANTHONY PALACA [X] Check if Construction Loan Loan Number: 0056376924 NMFl# 2982 (MANCI Rev 08/08/2005 Page 8 of 8 Initials m~t::~f,::;:i~:!:;¡ tai!il..!1!.;....t.1... ~~¡ ~;j¡i;~m~m~~;~¡~ ¡~j; ~~~f~~~~~~!@ . -, . .....;.;..0:.;...,...;.,. ....- '.'. .',-' .. -,',' :¡'_, ,.,¡ '.~ .~._",~"~,,,,,,,,,. ...... '.., ,. ,'. . . . ...;....:-:.:,00...1..;.,.,. ',' .' '. ", ···.·:-.:!;¡":;~\f¥i;'J:;i·òt,1.(,"'.·.·.,¡.,>,..-"·if~! !,,;·...·U¡[ J,'::,.. .,...,.;' : ....~......~..~¡.j~;~,;,_:....,. ¡-. '.'" _.:.·..'1~ .,. ,1,~;.~;..~~~..:' C00162 091.8423 ACKNOWLEDGMENT State of California County of SACRAMENTO í On MAY 09 t 2006 before me HUGO CESAR CARDENAS, NOTARY PUBLIC , I (here insert name and title of the officer) personally appeared Don Fabian personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. WlrNES:U:; and. official seal. Signature ~ ~ fjHUGO CESAR CARDENAS , COMM. '1650598 I NOTMY I'U8UC . CALIFORNIA ~ . SACRAMENTO COUNTY ... Comm..Exp. MARCH 10,2010 (Seal) ~