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Home My WebLink About919762 0067072991 RECEIVED 6/28/2006 at 4:29 PM RECEIVING # 919762 BOOK: 624 PAGE: 825 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERÉ'R, WY . Up"" r:)O>l';Ording Please Return To: . WI!J'¡' ¡ ;'!.J'. Bank, ~ ~~ Art~~¡.J, 'f ' \ì~ .1919 Do I' Streo! 3rd Floor ()mahll. N 102 This document is being recorded by Alliance Title and Escrow of Wyoming, Lt1víO·RTGAGE as a courtesy only. .------------ THIS MORTGAGE is made this HTH MELLISA L ASHLEY, A SING~B PERSON day of .nrn'S , 2006 , b~tween the Mor[gasor, (hereio "Borrower"), and the Mortgagee, WBLJ.S FARGO BANK; N.A. , a corporaÛon organized and , whose address is exlstin¡: under the laws ofTRR UNITED STATKB p.O, BOX 11339. BALTIWORK, WD 212971339 (herein "Lender"). WHEREAS. BorrOw~t is indebted [0 Lender ia the principal sum of u.s. $ H* *******n4. 340.00 , which indebtedness is evioopced by Borrower's note dated JUNE 26. 2006 and extel15¡ollS and renewals [hereaf (herein "Now"), providing ¡'or monthly installmenrs of principal and interest, with [he balance of indi:btec1ness, if 1\01 sooner paid, due and payable on JULY D1. 2014 TO SECURE to µnder the r~'Paymeut of ¡he indebtedness evidenced by the Note, with ¡merest thereon; the payment of a11 other sums. with ¡merest thereon, advanced in accof(klllc~ )lerewith to protect tbe securi¡Y of this Mortgage: and the performance of the covelUUllS ¡¡¡¡d agreemenCS of Borrower herein conuuned, Borrower does hereby mortsa¡¡e. gram IWd convey to Lender, with power of sale. the following described property 10catOO in !be County of LINCOLN Stale of Wyoming: LOT 5 ~LOCK 2 OF SUNSBT ADDITION TO TXB TOWN OF K~RRR, LINCOLN COUNTY. WYOMING AS DESCRIB~D ON THB OVVICIA!. PLAT FILED ON JANUARY 12. l'56 AS INSTRUMENT NO. 218606 OF TRX RECORDS OF THI LINCOLN COUNTY CLERK. which has the address of 414 BEECH AVXNUE . KEMKllRER [Stml (herein "Property Addtm"); [Cil)l Wyoming 83101 [ZIP CO<J<] TOGETHER. with all the improvement~ now or hereurtoT erected on !be prop<;rty, and an casements, rights, appuru:nances and rents, all of which shall be deumo/! to be and temain a part of the property covered by this Mortgage; anù all of the foregoing. togethi:r with said properlY (or ¡hc leasehold estate if this Mortgage is on a leasehold) are hereinafter referred to as the "Property, ' Borrower CQvena1Ìts that Borrower is lawl'ltl1y seised of the eSlate hereby conveyed and has thc righl to mortgage, srant and convey ¡he Property, and that the Property is unencumbered. except for encl!lTlbrances 01' record: Borrower covenants that Borrowet warrants and will def~nd generally tho title 10 Ibe Property asainsr /Ill claims and deman(s, subject to encumbrances of reCorQ. UNIFORM COVENANTS, IIqrrower and ~nder covenant and a¡:rec as follows: 1. Payment of PrincipalllDd Intere£t. Borrower wall promptly pay whCn due the principal amI interest indebrodnes8 evidenced by the NO¡¡; and laIC charges as providcd in the Note. 2. Fund.~ ror ToxeIì and In&ur&mçe, Subject to applicable law .or a wri!!en waiver by Lender, Borrower shall pay to Lender on the dny monthly payments of principal and interest are payable under the Note. uatiJ the No[e is paid in full, a sum (herein "Fund&") equal to one-tweifth of the yearly laxes and assessments (including condominium and planned uuit devolopment ass~~sments, if any) which may attain priority over thi& Mongage IUld ground rents on ¡he Property. if lUly, plus one-twelfth of yearly preuüum instaJlmems for hazard insurance, plus onè-twelfth of yearly pr~tnium instaJlrnents for morlgage il15urance, if any, al1 a¡¡ reasouably ~&timated initial1y and from lime 10 tlmi: by Lender on the basis of assessmenu and bill& and roasoCUlble estil1Ulles tht:reof, Borrower shAll not be obligaled 10 make such payments of FW1ds to t-ender to the extent thai Borrower m,\kes such payment~ to We hold!)r of a prior mortgage or deed of [rust if such holder is an jnsti~ut.íona1 lender. WYOMING, SECOND MORTGAGE, 1/80· FNMA/FHLMC UNIFOAI\IIINSTRUM~T Form 3961 'nlll"~ G -76(WV) "'''1.01 II> c l"o}¡]Q 1 cl4 V~w MORTQAGf fOAM$· 1800621·7291 ~-- 'n'")825 ,ul: .... )é I '0 031.9762 If Borrower pays Fun4s to Lender, the Funds shall b~ hele! In an insti1ùtion the e!eposits or aCCounts of which are insured or guaranteed by a fed~ral or slate agency (including I...t:nder if Len4er Is sucb an Îl1!Ititution), Lender shall apply the Funds to pay said laxes, aBs~ss\1enls. jnsurance preuúums and ground r~nts. L~n4er may not charge for so holdinJ: and applying the F\l1lds, ana1yzin¡; said accou¡¡[ or verifying and compiiiu¡¡ said assessmel1lS and bills, ùnless Lendel' pays Borrower Inter~sL nn the F(¡1ds and applicable law pertuits Lender to make such a cbarge. Borrl)wer and Leuder may a~ee in writing at the tirae~of ~¡¡ecu[lon of this Mort¡¡age that interest on the Funds shall be paid to Borrower, and UlÙeS5 such agreement is mad~ or applicable law requires such inLerest to \:Ie paid, µnder shal! not De requiree! to pay Borrower any inlerest or earnings on the F\!l1ds. Lender shall give to Borrower, without charge. an annual accoLl/ltlng 01' ¡¡Ie Fun!1s sb.owing credits and debits to the Funds and the purpose for which each debit to the Funds wa:¡ mad~, The Funds are pledged as additional security for the sums secured by this Mortgage. If the amount of the Funds held by Lender, togeÙler with tbe hnure montbly Installments of Funds payable prior to Ihe due dates of taxes, assessments, insurance premiu1IlS and ground renLS, shall e¡¡ceed th~ amount required to pay said taxes, assessments, insurance premiums 'and ground r~nts aB Ùley fall du~, SIIch ~¡¡cess shall De, at Borrower's option, either promptly repaid to Borrower or credited to Borrower on monthly iostallments of Funds, 11' the amOLI/II of the Fund~ hele! by Lender shall not be sufticiem to pay t.'lXes, a8sessm~nts. Insurance premiums and ground rcnIS as thcy filll due, Borrower shall pay to !.cnder any amount nec~ssary to make up the deficiency in one or more payments as Lender may require, Upon payment in full of aU sums secured by this Mortgage, Lender shilll promptly refund to Borrower any Funds h~ld by Lenð<:r. If under pl\fa~apb 17 h~reofthe Property is sold or lho Property is otherwise acquired by Lender, Leader shaH apply, no later than immediately prior to tbe sale of the Property or its acquisition \:Iy Lender. any Funds beld by Lender al tbe time of application as a credit againsI th~ S¡¡¡'QS secured by tbís Mortgage, 3. Application of Payments,UnleBs applicable law provides otherwise, all payments reœived by µnder under the Note and paragraphs \ and 2 hereof shall be applied by Lender first in payment of amounts payable to lender by Borrower under paragraph 2 hereof, then to imerest" payable on tbe Nme, and then to the prlncipal of thl: NOIe. 4, 'Prior Mortgages \.Il£} Deed,ç or Trust¡ Charge.; Liens. Borrower shall perform all of Borrower's obligatiom ùnder any. mortgage, deed of trust or otþer security agrel:meot wilh a lien which bas priority over this Mortgage, including Borrower's covenants to mm paym"nts when due, Borrower shall payor causc to b¡: pajd illl \.aJ\es, assessments and oilier charges, fineS and impoSitions al!ribu¡abl~ 10 tbe Property which may at¡¡¡in a priority over this Mortcage, and leasehold payments or ¡¡round rents, jf any, S, HlUlU"d Insurance, lIorrowcr shall )(e¡:p the improvements now exisling or h¡:rcafter erected on the Property Insured against Joss by tire, ha7.ards included within the term "extended coverage,' and such other hazar(!3 !\S Lender may r~quire and In such amountS and for such periods as Lender may require. The insurance carrier providing the Insurance sball be chosen by Borrower subject to approvaJ by Lt:nder; provi(ed, Ùlat sucb appruval shall nor be unn;a:¡onably withheld, AI! mruraßct policies and renewals thereof shall be in a form acceptable to Lt:nder and shall InClude a standard mortgage clause In favor of and in a form acceptable 10,Lender. \..cDder shall have the right to b.old thc polici~s ane! renewals ¡hereof, subject 10 Iho terms of any m0l1gage. deed of trust or other aecurity agreem¡:nt wlÙl a lien which bas priority over this Mortgage. In the event of loss, Borrower shall give prompt notice ¡o the insuranœ carrier and Lender. Lc:J1der may make proof of loss If not made prompt1y by Borrower. If Ihe Property is ahandoned by Borrower, or if lIorrower fails to respond to Lender witbin 30 days from the dat~ notice Is mailed by Lender to Borrower thai the Insurance cartier offers to sc:ttle Ii claim for insurance benefits, Lender is authorized to collect an¡ apply the insuriU1Ce procC!:ds at Lender's option either to restoration or repair of tb~ Property or to the sums secured by this Mortgage. 6. pn::¡ervation Rnd Maintenance or Property: Lcaselto!tIs; Condomininms; Planned Onit Developments. Borrower shall keep the Property in good repair and shaU not commit WaBl!: or permil impairment or deterioration of ùIe Property and shall comply with the provisions of any lea:¡e if this Mortgage is on a leasehold, If this Mortgage is on a unit in a condominium or a planned unit development, Borrower shall perf 0011 all of Borrower's obligations under the declaration or COyc¡u¡nts crl:ilting or governing th¡: condominium or planned unit development. the by-laws and r¡:gulatlons of the condoII1Ínium or planned unit development, and consntuont documenlS. 7. Protection of Lender'/; Security. If Borrower fails to perfonn the covenants and agreements contained in ¡Þis Mort¡:a¡:e, or if any ~ction or proceeding Is comm~nced which maleriQlly al'fects Lender's interest in the "Property, then Lender, at Lender's option, upon noticQ to ßorrowl:r, may make such appearanc"~, disbur5\: such sums, includinG reasonable attomtoys' fees, and tllke !ill,h action QS is necessary to prot~et Lender's inlère~l. If L~n4er requiœd mortgage insul1Ißce as a condition of makin¡¡ the loan secured by this, MO~lgag~, Borrower shalJ pay tbe pr~uúulTls require£) to maintain such insurance in effect until such time as the requirement for such insurance t¡:l1OÌJ1ates in accordan,c with Borrower's and u:nc:ler's written agreement or applicable law. Any amO\l1ltS dishursed by Lender plU'sunnt to this para¡¡raph 7, wiLh interest thereon, al the Note rate. shall become additional indebtedness of Borrower secured by this Mortga¡:e, Unless Borrower and l..ender agrl,)(: to other terms of payment, such amounts shall be payable upon notice from Lender to Borrower requesting payment thereof. Nothing contalnoo in this paragraph 7 shall n;quire Lender to incur any expc;nse or take any action b~reunder, 8. InspectiQn. Lend~r may make or cause to be made reasonable entries upon and inspl.'C!Íons of the Property, provid~ that Lender shall ¡¡Ive Borrower notice prinr to any such insp<)Ction specifying reasonable cause therefor related to Lender's interest in the Property. 9, Condemnation. The proceeds of any award or claim for damages. dir~t or consequential. in connection wilh any condemnation or other taking of the Property. or pan thereof, or for conveyance in lieu or condemnation, are hereby assigned and shall be paid to Lender, subject 10 Ùle terms of any mortgage, deed of trust or other se¡;urily agreement with a lien which h!\S priority over t1lis Mort¡¡age. 10, Borrower Not Releuscd¡ Forbearllnee By Lender Not a Waiver. Extension of the time for payment or modHication of amortization of [he sums securoo \:Iy tbis Mortgage grant~d by Leod¡:r to an)' successor In intorèsl of Borrower shall 110t operate to rel¡:a.qe, in any manner, the liability of Ih~ origin;U Borrower and Borrower's successors in i¡Herest. Lender shall not be rC;\quirc:d 10 conunence procoedin¡:s agail1!lt such succossor or ru!'use to extend time for payment or otherwise modify amortization of the sums secured by tbis )v!ort¡;age by reason of lU1y domand maùc by tbe original Borrower and Borrower's successors in interes!. Any forbearance by Lend~r in exercising any rigt1l or remwy hereunder, or olh¡:rwise afforded by appJieable law, shall not h¡: a waiver of or preclude th~ exercise of ¡my such right or remedy. Q.-76IWV) '.Uj.a, '" '. Pi\ÐQ 2. Qr 4 FarflJf/t/ lrúl¡lit~ 06/26/2006 2:14PM (GMT 05:00) f' ,-, f'\ 8 f"'¡ 6 ' 'I ¡ r . ,/ Ij \} \... !~,,,, o <CJ¡-ofJ G"-; ,;.., <".) ..' d ..!,.....1' t>' ÜtI;." 11. Su=sors IInd AssignB Bound; Joint IIlld Several Liability: Co-~gners, The covenants and agreements hercin COlltain~'<l sball bind, and Ihe rights hereunder shall inure 10, thc respective successors and assjgllJi of Lender and Borrower, subject to the provisions of para¡¡rapll 16 hereof, AU covenants and agreemtnts of Borrower shall be Joíllt and several. Any Borrower who co-si¡¡us thIs Mortgage, but does no! eXCCllle Ihe Note, (a) is co-signillg this Mortgage only [0 mortgage, ¡¡rant and cOllvey that Borrower's interest In the Property to Lender under the termi of Ihis Mortgage, (b) is nOl personally liabl~on the Notc or under this Mortgage, and (c) agrws that Lender and any other Borrower hereunder may agree 10 exlCJ1d, modify, forbear, or make any other accommodatiom with regard to the terms of this Mortgage or tbe Note wilhou[ tbat Borrower'S consent and without releasins thaI Borrower or modifying this Mortgage as [0 tbat norrower's inte::rest in the Propt'rty, 12, NotIce, Except for MY notice required undêr applicable law to be given in anolher manner, (a) II!lY notice to Borrower provided for in ¡his Mortgage shall be gÎven by delivering it or by mailing. such notice by certined mail a<1dressed to Borrower at the Property Address or at such other address as Borrower may d~sigllJite by flotiCO to Lend~r as provided herein, IIIld (b) any notice to Lender shall be given by cCl1ît'ied mail to Lci\der's address sUIted herein or 10 such other address Il!i Lender may designate by nOllce to Borrower as provided herein. Any notice provided for in this Mortsage shall be deemed 10 bavé been given to Borrower or U:nder when givén in the manner designated herein, 13, Governing Law; Severltbility. The state and local laws applicable to this Mortgage shal1 be the laws of the jurisdiction in which the Property is located, The foregoing sentence shall not liroJ¡ ¡b.: applicability of federal law 10 lhis Mortgas.:, In the évent that any provision or clause of uùs Mortgage or the Note con11icts with applicable law, such conflict shall not affect other provisions of Ulìs Mortga¡¡e or the Note which C8,l1 b~ given effect without [he cont1ictinS provision, and to this end the provisions of this Mortgage and the Note are declared to bcsev<:rable. As used he::rein, "COSt.!l," "expenses" and "attorneys' foes" wclude illl sums 10 the extent not prohibil'>(\ by applicable law 01' limited hereill. 14, Borrower's Copy- Borrower shall be furnished a conformed copy of Ú1e Note and of Ihis Mortgage al the dm.: of excc\llÌon or aner recordation hereof, 15, Rehabilitation Loan Agreement. Borrower sball fultilJ all of Borrower's obligations LjJ1der allY home rehabilitation, improvement, repair, or other loan agreement which Borrower enters into with Lender, Lender, at J.ollder's option, may require Borrower to execute an4 deliver to Lender, in a form a~eptable to Lender, an flSsignment of any rights, claims Dr defames wbich Borrower may hav.: against påtlies who &upply labor, rnareria1s or services in connection with improv.:mol1ls rMdc [0 the Property . 16, Trllllsfer or t~e Property Of a Bcnel'icia) Intere.~t in Borr(lwcr. If all or any part of [he Property Dr any Interest in it is soh or uansferred (or if a beneficial illterest in Borrower is sold Dr transferred and Borrower is not a na[ural person) without Lender's prior written. ¡:onsent, Lender ¡nay, at its option. require ¡mmedi~1.C payment in fun of all SUT11$ secured by this Mortsage, However, this option sMn not be exercised by Lender if ex.ercise Is prohibited by federal law as of the dale of this Mortgage. If Lender êxercisesthis option, Lender shall Siv~ Borrower notice of accelerarion. The notice shan provide a period of not less than 30 days frolll the date Ihe notice is delivered Dr mailed within which Bon'Owe::r must pay all sum& secured by this Mortgage, If Borrower taHs [0 pay tbese suma prior to the expiration of Ihis period, Lender may invoke any remedies pemùtted by this Mortgage without further notice nr demand on Borrower. NON-UNIFORM COVENANTS, Borrower and Lend¡r J\irther covell1lD[ and agree as follows: 17. Acceleration; Remedies, 'fi:xcept II~ provided in para¡¡rllph 16 bertor, upon Borrower'S breach 01' any covenant or a¡¡reem"nt of Borrower in this Mnrtgaae, including the covenant/; to pay when due IIllY sums secured by this Mnrt¡¡oee, Lender prinr to acceleration shol1f¡Vo untice to Borrow.:r as provided in pllra¡rt!ph 12 hereof specityin¡;: (I) the breuch; (2) the IIction required to cur" such brtilch¡ (3) 0 date, uot less than 10 days frum the ¡¡¡te the notice is moiled to Borrower, by which such breach must be cured¡ ani! (4) that failure to cure .ruch breach on or þefore the ¡¡¡te specifieil in the notiç(: may result tn accelenltion nr the sums secured by thili M¡jrtgage. Tile notice shall further inform Borfowcr of the right to reinstate litter IIccclerotioll IIlld the rif¡bt to bring a court lIetion to DSliert the llone¡¡Í9tence of II default or uny other defense nr Borrower t(lllcceleration IIlld sale, If the breoch is not cured on nr before thc dllte specified In the notice, Lender, al Lender's option, mllY declare 011 01' the sums secureil by this Mortgage to be immediotely due and pllyable without further demand IInd may invol¡e the power of sale ond tiny other remedieti permitted by applicable law" Lend.:r shall be entitled to collect all J'eII()JUlble COb'tS and expenses Incurred in pursuing thc remedies provided in this paragraph 17, including, but [lot limited to, reusonahle attorneYB' rees. It Lender invokes the power of sale. Lender sllnll slve ooUce of intent to foreclose to Borrower ond to the person in pOSlòèSSion of the l'rnperty, ii' dittercnt, in accordanc" with applicable law, Lender shall maUlI copy of II notice or tbe sale to Borrower iJ1 the mllnner provided in pllragrltpb 12 hereof, Leuder shall pnblish tbe notice of sale and the Property shall be sold in the manner prescribed by ilpplicablc lim, Le[lder or Lender's dl:óiignee mllY purcbase the h'opcrty lit any sale, Thc proceeds nf the SlIle shall be applied in the following order: (II) to all re8sonuble costs IInd expenscs of the sale, includinf¡, but not limited to, rellsonable IIttorncys' 't:eI IInd cmU of title evidence; (b) to all sums secured by this Morlgage¡ ond (c) the exçeS!!, it lillY, to the person or persons legally entitled tbereto. 11!. -narrower's Right to Reinstate, NotwÎ!ÎlStandin¡ L-ender's acceleration of Ùle sums secured by this Mortgage due [0 Borrower's breach, Borrower. shall have the risht [0 bave any proceedings beeun by Lend~r [0 enforce this Mortgage discontinued at any time prior to the earlier ro occur of (i) the t1fib day before sal~ of the Prope::rty pursuant 10 the power of sale comained In this Mortgage or (ii) .:n!ty of a judgment enforcing thi9 Mortgage if: (a) Borrower pays Lender all sJjms which would be tben due under this MOl1ga¡;e and ¡þ.e Note had no acceleration occurrt:d: (b) Borrowe::r cures all breaches of any olher covenants or agreements of ßorrower conUtined in lhis Mortga¡;c: (c) Borrower pays aU reasonable cxpellJies wcurred by Lender in enforcing the cove¡¡ams and agreements or Borrower contained in this Mortgage, and in eøforcin¡; Lender's remt:dies as provided in par~gràph 17 hereof,lncluding, blt not limited 10, reasonable attorneys' fees; and (d) Borrower takes such action as Lend~r may reasonllbly require to lIS&Ure that the lien of [hi~ Mon¡:agc. Lender's interest in the Property and Borrowe::r's obligation to pay the sums secured by this MOl1gage shall contwu.: unimpaired, Upon such payment and clIre by Borrower, this Mortgage and the obligations secured hereby shan remain in full force and e::ffect as If no acceleralion had occurre4. 19, AlòSi~nmellt of Rents: Appointment of Receiver; Lender in pos:session. As additlonal s<;C"rity hereunuer, Borrower hereby assi¡;ns to Lender the:: rents of the Property, provided thai Borrower shall, prior to acceleration under paragraph 17 hereof or abandonment of the Propwy, have the rigbt to coll''Ctand retain such rents as they become due ~nd payable. .') !ì. 0 2· 7 \) Ua '" G4¡"76(WYi 1..,21,01 Faoo ~ III 4 F~r~~ ./ 1t'l11IQI:¡~ 06/26/2006 2:14PM (GMT 05:00) d~"A'l' Gt""'.',{~'? .....} ,J,...}I ¡( \Y~ Upon accclcration undcr paragraph 17 hereof or abandotlIn~nt of the PropertY, and at any lime prior to the expiratlon of any p~riod of redemption following judicial sale. Lender. in person, by a~~nt or by judicially appo¡(lIcd receivcr~ sball be ~ntitled to enter upon. wee possession of and manage IDe Property aDd to collect thl: rcnts of the Property induding those past due, All rC1l1/; cnl1ecl~d by Lendl:r or the recciver shaH be applied tir~t [0 paymeot of the costs of mana~cmcnt of t!le Property and collt:etion of rents, includ.ing, but not limired to, receiver's fces, premiums on recelver's bonds and reasonable aI(orneys' fees, and then to the S\!1!l& secured by this Mortgage, L~nder and the rc¡;¡;íver fiball bc liabll: to account mùy for thOSI: reJ1tS' acruwly received, 20. Rel~. Upon paymenl of all Sijl1I5 s~cured by this Mortgage, under shall release Ú1.Îs Mortgage withoUl cbarge to Borrow~r. Borrower fihall pay all costs of recordari on, if any, ~l. Waiver or Homestead. 130rrower hereby waives all tigbt of homestead exemption in the Property, REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGES ORDEEOS OF TRUST BOlTower and Lender request the holder of any mortgage, det:d of trUst or orh~r cncumbrilnce with a lien which has priority over rhis Mortgage to give No!Îce to Under, at Lender's adeJress Sl:t forth on page OJl~ of Ilùs Mortga¡:e, of any default under the ruperior enCUfDbrRJ1c~ and of any saJe or other foreclosure action, IN WITNESS WHEREOF. Borrower bas ext:eu¡ed this Mortgage, rßQITOwèt (Seal) -Borrower (Seal) ..ßorrower (Sign OriginlJl Only) STATE OF WYOMING; County liS: The for~going instrumcfiI was acknowledged btf'orc me this JUNE 26, 2006 by MELLISA L ASHLEY, A SING~B PERSON My COlIunJssion Expires: 10/7)-07 ~-. -~...,- '-'-;---- .-.- ~- .~-- .' '. .. ! ::::c; s ~'.rFC~?t·ì\Rý Ps~:~~ I lINCou. ~~,;~~A WlOIIING My Comfi-j~~iDn~~'1;~'as __ \ ~.......-~-~. -- - . - -...I......'~_~~~- [Sp."" Bolow Thi, Lin. Ros.rwd ~or Lender and ·~.Oórderl ~.76(wY} ¡'8)21.01 Pilgi ¡\ Df 4 form 3851 í' ,~ I"; n (, 8 '\\ (; /