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HomeMy WebLinkAbout892764ReturuTo: WELLS FARGO HOME MORTGAGE, INC. 3601 MINNESOTA DR. SUITE 200 BLOOMINGTON, MN 55435 Prepared By: WELLS FARGO HOME MORTGAGE. INC. 1919 DOUGLAS,, OMAHA, NE 681010000 8,92765 RECEIVED LINCOLN COUNTY CLERK ~K 532 PR PAGE 10 3 [Space Above; Tlds Lhie For Recordh~g Data] MORTGAGE DEFINITIONS Words used in multiple sections of this documentI are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain roles re~arding the usage of words used in this document are also provided in Section 16. (A) "Security hlstrmnent" means this document, which is datedAUGUST 19, 2 003 together with all Riders to tiffs document. (B) "Borrower" is CARLL.JENSEN AND MY~LE T' JENSEN, HUSBAND AND WIFE Borrower is the mortgagor under this Securityl Instru,ment. (C) "Leuder" is WELLS FARGO HOME MO,TGAGE. INC. Lender is a CORPORATION organized and existing under the laws of THEi STATE OF CALIFORNIA 0031732928 WYOMING-Single Family-Fannie Mae/Freddie Mac ~NIFOR Page 1 of 15 Initials: VMP MORTGAGE FORMS - {800}521:7291 INSTRUMENT Form 3051 1/01 104 Lender's address is p.o. BOX 10304, DES MOINES, IA 503060304 Lender is rite ~nortgagee under fids Security Instrument. (D) "Note" meaus the promissory note signed by Borrower and datedAUGUST 19, 2 003 The Note states that Borrower owes Lender EIGHTY THREE THOUSAHD FIVE HUNDRED AND 00 / 100 Dollars (U.S. $ * ** * * 83,500.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than SEPTEMBER 01, 2033 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by tl~e Note, plus interest, any prepayment charges and late clmrges due under the Note, and all sums due under tiffs Security Iustrument, plus interest. (G) "Riders" means all Riders to this Security Instrmnent that arc executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: Adjustable Rat~.)~der [~ Condominium Rider ['--] Second Home Rider Balloon Rider '~ .~;~'1 Plmmed Unit Development Rider [] 1-4 Fandly Rider VA Rider ~ 0~ [--] Biweekly Payment Rider [-~ Other(s) [specify] (H) "Applicable Law" lneaus 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-appealable judicial opinions. (i) "Commmfity Association Dues, Fees, and Assessments" means all dues, tees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means an3, transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instm~nent, 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 lhnited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (If) "Escrow Items" means those items that are described h~ Section 3. (L) "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) condenmation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) nfisrepresentations of, or onfissions as to, die value and/or condition of the Property. (M) "Mortgage Insurance" means iusurauce protecting Lender against the ~mnpayment of, or default on, the Loan. (N) "Periodic Payment" means die regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security h~strument. (O) "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 front time to time, or any additional or successor legislation or regulation that governs the same subject nhatter. As used in this Security Instrument, "RESPA" 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 RESPA. Initials:.__ (~-6(WY) iooos} Pa~. 2 o~ ~s Form 3051 1/01 (P) "Successor in Interest of Borr " ~ · ' not ower means an~ party that has taken Qtle to the Pro er , wheth or ·., . . t~Tent,er that party has assumed Bon'ower's obhgattons under the Note and/or dam Security Ins TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of th,e Loan, and all renewals, extensions and modifications of the Note; and (ii) the pedbrmancq of Borrower s covenants and agreements under this Security Instrument and the Note. For this purpose,Borrower does hereby mortgage, grant and convey to .Lender and Lender's successors and assigns, with p~wer of sale, the following described propert located in the COUNTY o~ LINCOLN Y [Type of Recording Jurisdiction} .. [Name of Recording Jurisdiction} LOT 83 OF STAR ~'ALLEY RANCH PLAT 16,1 LINCOLN COUNTY, AS DESCRIBW. D ON THE OFFICIAL PLAT THEREOF TAX STATEMENTS SHOULD BE SENT TO: W~LLS FARGO HOME MORTGAGE, INC., P.O. BOX 10304, DES MOINES, IA 503060304 Parcel ID Number: 247 ALTA DRIVW. ("Property Address"): which currently has the address of [Streetl [City] , Wyoming 8 3 3.2 7 [zip Code} TOGETHER WITH all the improvements nog' or hereafter erected on the property, and all easements, appurtenances, and fixtures now or: hereafter a part of the property. All replacements mid addifion.q shall also be covered by this Security Instfinnent. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is laFfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property[and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will ~lefend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines un[form covenants for national use and non-uniform covenants with limited variations by jurisdiction to cohstitute a uniform security instrument covering real property. ' UNIFORM COVENANTS. Borrower and Lenderi covenant and agree as follows: 1. Payment of Priucipa[, h~terest, Escrow It~.ms, Prepaymen~t Charges, and Late Charges. Borrower ~all pay when due the principal of, and inierest ou, the debt evidenced by the Note and any prepayment charges and late charges due under the Noie. Borrower ~all also pay funds Ibr Escrow Items pursuant to Section 3. Payments due umler the Note a,'nd this Security Instrument shall be made in U.S. currency. However, if any check or other instrument reOeived by Lender as payment under the Note or this (~. Initials ,~ 6(WY) Iooo~ Page 3 of'lS Form 3051 1/01 106 Security Instrument is returned to Lender unCaid, Lender may require that any or all subse uent a ments due under the Note and this Security Instnhnent be · ~ ,~- ,.,,u~ i, u-~ or more ot me IOllOWlng Iorms. as selected by Lender: (a) cash; (b) money oh:der; (c) certified check bank c . .. . 7~, ' . cashier's check, provided any such check i;[~rawn upon an institufi;n whos~h~;~ost;;a:Ur;e~:;u;~;Cbky°~ federal agency, instrumentality, or entity; orld) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated iii the Note or at such other location as nmy be designated by I.ender iii accordance with the notice provisions in Section 15. Lender may return any payment or partial bring the Loan current. Lender may accept a: current, without waiver of any rights hereund payments in the future, but Lender is not obi accepted· If each Periodic Payment is applfi 'merit if the payment or partial payments are insufficient to ly payment or pm'rial payment insufficient to bring the Loan er or prejudice to its fights to refuse such payment or partial igated to apply such payments at the time such payments are 'd as of its scheduled due date, then Lender need not pay interest on mmpplied fmnls. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so ~vithhi a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not lapplied earlier, such funds will be applied to the outstanding principal balance under the Note iunnediatel '4 v,,u, ,u .urcc~o~ure. rqo OlISet or claim wlfich Borrower nfight have now or in the future agail~st Lender shall relieve Borrower from making payments due mnler the Note and tlfis Security Instrument or perfo~nfing the covenants and agreements secured by this Security Instrunlent. 2. Application of Payments or Proceeds. Except as otherwise described in tlfis Section 2, all payments accepted and applied by Lender shall be applied in the following order of r~riorit : ' - due under the Note, (b) principal due under ~he Note, tc~ amoun .... no.. e~,:~5., ,.Y ,(a) mteie~t · ' ,, ts due u,,u~.r o,~[,u- .~. ~UCll payments shall be applied to each Periodic Payment in [he order in which it became due. Any remaining amounts shall be applied first to late charges, second ta any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note If Lender receives a payment Ii'om Bon sufficient amount to pay any late charge due, the late charge. If more than one Periodic Payn fi'om Borrower to the repayment of the Period: .paid iii full. To the extent that any excess exist more Periodic Payments, such excess may be a; be applied first to any prepayment charges and! Any application of payments, insurance p the Note shall not extend or postpone the due d 3. Funds for Escrow Items. Borrower under the Note, until the Note is paid in full,. for: (a) taxes and assessments and other items lien or encumbrance on the Property; (b) lease premiunx~ for any and all insurance :required prenfiums, if any, or any stuns payable by ] Insurance premiums in accordance with the p Items." At origination or at any time during fl Association Dues, Fees, and Assessments, if assessments shall be an Escrow Item. Borrower be paid under this Section. Borrower shall pay Borrower's obligation to pay the Funds for obligation to pay to Lender Funds tbr any or al in writing. In the event of such waiver, Borrow~ awer for a delinquent Periodic Payment which includes a fie payment may be applied to the delinquent payment and tent is outstanding, Lender may apply any payment received c Payments if, and to the extent that, each payment can be s alter the payment is applied to the full payment of one or >plied to any late charges due. Voluntary prepayments shall hen as described in the Note. r0ceeds, or Miscellaneous Proceeds to principal due under .te, or clmige the amount, of the Periodic Payments. ~all pay to Lender on the day Periodic Payments are due Sum (the "Funds") to provide for payment of amounts due vltich can attain priority over this Security Instrument as a told payments or ground rents on the Property, if any; (c) by Lender under Section 5; and (d) Mortgage Insurance lOrrower to Lender in lieu of the payment of Mortgage t'ovisions of SectiOn 10. These items are called "Escrow te term of the Loan, Lender may require that Community iny, be escrowed by Borrower, and such dues, fees and shall promptly furnish to Lender all notices of amounts to Lender the Funds for Escrow Items unless Lender waives ny or all Escrow Items. Lender may waive Bon'ower's Escrow Iten~ at any time. Any such waiver may only be '.r shall pay directly, when and where payable, the amounts (~d6(wY) (ooos) Page 4 of 16 h~itials: Form 3051 1/01 I07 due for any Escrow Items for which payment of Fun~s has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing si tch pay~nt within such time period as Lender may require. Borrower's obligation to make such payment and t~ provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Securify Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligatc,d to ply Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due Ibr an ~.scrow[ Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall the[~ be ot~ligated under Section 9 to repay to Lender any such alnount. Lender nkay revoke the waiver as tt any .o"~' all. Escrow Items at any time by a notice given in accordance with Section 15 and, upon such evocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under thi: SectiOh 3. Lender may, at any time, collect and hol Fundg in au amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESP , and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estinnate he ani0unt Of Funds due on the basis of current data and reasonable estimates of expenditures of futur~ Escrow Items or otherwise in accordance with Applicable Law. ' The Funds shall be held in an institUtion Whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, i~ Lender is an institution whose deposits are so insured) or in any Federal Home Loan Banlc Lender shall apDly theiFunds to pay the Escrow Items no later than th specified under RESPA Lender shall not clP,'r.,~ r,~, .......... . . e time al ' 1 ' ' -~a;,- ~mauwc~ mr nolanlg ann applying the Funds a~ ~nt y, zmg the escrow account, or verifying the]Escrow Items unless Lend-,- ......... , .mua!ly · - - ' -- r' J.~ ootrower interest vunas andA licable , . . . . --- - , on tl~e Pp Law peInnts Lendm to l~mke sqch a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid bn theFunds, Lender shall not be required to a Bor- a,ny..n.~teies! m earmngs on the Funds. Borrov~er andl Lender can a ..... ' ....... :,: ...... p ..y .. rowei snail be paid on the Funds. Lender shall ,,ive~ t,, n,,,i. ......... : ......... ' nterest Funds as required by RESPA ~' ! V .,-,uqxuw.t, wtutom cmtrge, an ammal accountang of the If there is a surplus of Funds held in e Borrower for the excess funds in accordance w as defined under RESPA, Lender shall notify [ Lender the amount necessary to make up the si monthly payments. If there is a deficiency of F~ notify Borrower as required by RESPA, and B up the deficiency in accordance with RESPA, b] Upon payment in full of all sums secure~ to Borrower any Funds held by Lender. :row, :as defined under RESPA, Lender t~ R~PA. If there is a shall account to shortage of Funds held in escrow, ~rrow~r as required by RESPA, and Borrower shall pay to .ortage !in accordance with RESPA, but iii no more than 12 rods h~ld in escrow, as defined under RESPA, Lender shall ~rrowe..t: shall pay to Lender the amount necessary to make ~t in no ~nore than 12 monthly Payments. by tlfi~ Security Instrmnent, Lender shall promptly refund 4. Charges; Liens. Borrower shall payi all ta~es, assessments, charges, fines, and impositions attributable to the Property which can attain p~lority dyer this Security Instrument, leasehol ground rents on the Property, if any and c',m,,i,..:,-, ~ ........ ~. . d payments or ., ............ - ~ ~ ..... [,,~,~ .'~oc~auon l. Jues, vees, and Assessments, if any. To mu extent mat mese items are escrow Items, Bo['rower ~all pay them in the maimer ~rovide ' ' . Bouo~w.ei shall p~omptly discharge any li~n which has priority over fids Secu~-i,- ~.._.d_i_n Se?ion, 3. .... I , , ty mmmnent mness ~orrower: ka) agrees in writing to the payment, f the ¢bligation secured by the lien in a nuiuner acceptable to Lender, but olfly so long as Borrower is per: ,nning such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien:n, legai proceedings wlfich in Lender's opi~fion operate to prevent the enfbrcement of the lien while those proce~lings are pending, but only until such proceedings are concluded; or (c) secures from the holder ot the lie¢ an agreement satisthctory to Lender subordinating the lien to fltis Security Instrument. If Lender d etennilies that any part of the Property is subject to a lien wlfich can attain priority over fids Security Into ament, !Lender may give Borrower a notice identifying the (~-6(WY) (ooo5) ~Page 5 of 15 InltiaJs:. Form 3051 1/01 108 lien. Within 10 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. Lender may require Borrower to pay a one-¢ime charge lbr a real estate tax verification and/or reporting service used by Lender in com~ection with ~his Loan. 5. Property Insurance. Borrower shall keep ~e 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 ~ot linfited to, 'earthquakes aM floods, for which Lender requires insurance. This insurance shall be maintained in the amounts tincluding deductible levels) and lbr the periods that Lender requires. What LeMer requires pursuant to t~e preceding sentences can change during the term .o,f the Loan· The insurance carrier providing the insur~nce shall be chosen by Borrower sub'ect to Len right to disapprove Borrower's choice, which right shall not be exercised um'easonab~3. Lender d~,ff reqmre Borrower to pay, in connection with this .Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; o~ (b) a one-time charge for flood zone determination aM certification services and subsequent charges e~h time remappings or similar changes occur which reasonably might affect such determination or certiticafion. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emeigency Management Ageucy in cmmecfion with the review of any flood zone detemfination resulting fronj 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 expe4se. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, sqch coverage shall cover Lender, but might or nfight not protect Borrower, Borrower's equity in the Prope[ty, or the contents of the Property, hazard or liability aM might provide greater or less~r coverage than was previously in against any risk, , effect. Borrower acknowledges that the cost of the insurance coverag~ so obtained nfight significantly exceed the cost of insurance that Borrower could have obtaincd. Any anlounts disbursed by LeMer under this Section 5 shall become additional debt of Borrower secured by this S~cufity Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and sl~all be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and r~mwals of such policies shall 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 mx additional loss payee. Lender ~hall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid prenfimns and renewal notices. If Borrower obtains any ~brm of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a staMard mortgage clause and shall name Lender as mortgagee aM/or as an additional loss payee. In the event of loss, Borrower shall give promp~ notice to the insurance carrier and Lender. Lender may nmke proof of loss if not made promptly by Borrower. Ulfless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not thei underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if fl~e restoration or re air is econ '-, '. · LeMer's security is not lessened Durint~ such renM,- '~[,d ,-~ ...... : ....... . ~ · . ,on~c.ally f.e. asib. le. and · ~ ~ - --~ .... r .... ~tmauun perlOu, ,ellaer snail nave me right to hold such insurance proceeds until Lender has had a~ opportunity to inspect such Property to ensure file work has been completed to Lender's satisfaction, 'rovided that such ins ection shall be P P undertaken promptly. Lender ~nay disburse proceecks for the repai~:s and restoration in a single payment or in a series of progress payments as the work is completed. Ulfiess an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceedsi Lender shall not be required to pay Borrower any interest or earnings on stlch proceeds. Fees for public adjusters, or off, er third parties, retained by Borrower shall not be paid out of the insm'ance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or! Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this ~eCurity Instrument, whether or not then due, with I~1~. Init 6(WY) 100061 Page 6 of; 15 Form 3051 1/01 the excess, if any, paid to Borrower: Such insurance proceeds shall be applied in the order provided for Section 2. If Borrower abandons the Property, L~nder anay file, negoOate and settle any available insurance claim and related matters. If Borrower does hot respond witlfin 30 days to a notice from Lender that the h~surance carrier has offered to settle a claimi then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given.[ In either event, or if Lender acquires the Property under I · 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 Borrower's rights (other ~an the right to any refund of unearned premiums paid by Borrower) under all insurance policies coveril~g the Property, inso.far as such rights are applicable to the coverage of the Property. Lender may use the~msurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this ~ecurity Instrmnent, whether or not then due. 6. Occupancy. Borrower shall occupyi establish, ~ind use the Property as Borrower's principal residence within 60 days after the execution ~f this Security Instrument and shall continue to occupy the Property as Borrower's principal residence fo~ at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent ~hall not be unreasonably wiflfl~eld, or unless extmmating circmustances exist which are beyond Borrower's control. 7. Preservatio~h Maintenance and PrOtection of the Property; Inspections. Borrower shall not destroy, dalnage or impair the Property, allow the Property to deteriorate or conmfit waste on file Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property fi'om deteriorati~ag or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair 0r restoration is not econonfically feasible, Borrower shall promptly repair the Property if da~mged tr avoid further dete~ioration or damage. If insurance or condemnation proceeds are paid in connectior with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender amy disburse proceeds for th, repairs and restoration in a single payment or in a series of progress Payments as the work is completed, the insnrance or cmldenmation 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 anake 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 shall give Borrower notice at file time of or prior to such '~u interior inspection specifying such reasouable cause. 8. Borrower's Loan Application. BorrOwer shall be in dethult if, during the Loan application process, Borrower or any persons or entitiesi 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) m cotmecfion with the Loan. Material representations include, but are not limited toI representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest iu file Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covemmts andlagmements contained in this Security Insmm~ent, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under dais Security Instrument (such as a proceeding i~ bankruptcy, probate, for condemna_tion or forfeiture, enforceznent of a lien which may attain priority over tlfis Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned rile' Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender'sI interest in the Prop, erty and rights under this Security Instrument, including protecting and/or assessim, the value of the PrOperty, and secm'i mtud/reO~ repairing the Property. Lender's actions can include, burl. re not limited to: (a) paying any sm~gsec by a lien which has priority over this Security nstrmn, ent; (b) appearing in court; and (c) paying reasonable I (~6(WY) Paga 7 of ! 5 Initials Form 3051 1/01 110 attorneys' fees to protect its interest in die Property and/or rights raider this Security Instrument, including its secured position in a bmfia'uptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to nmke 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 m~der tiffs 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 shall 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 shall be payable, with such interest, upon notice fi'om Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge mfless Lender agrees to the merger in writing. 10. Mortgage Insm'ance. If Lender required Mortgage Insurmtce as a condition of making the Loan, Borrower shall pay the premimns required to maintain the Mortgage Insurance in effect. If, Ibr 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 shall pay the prenfiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, front an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall conti~me to pay to Lender the amount of the separately designated payments that 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 shall 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 premimns for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to nmke separately designated payments toward the premiunks 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 reqnirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termitmtion 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 emity that purchases the Note) /bt 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 all such insurance in force from time to time, and nmy 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 rite mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (wldch may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of rite Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, nmy receive (directly or indirectly) amom~ts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or nmdifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange tbr a share of the premiums paid to rite insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Iusm'ance, or any other terms of file Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, m~d they will not entitle Borrower to any refund. (). Initiala: 6(WY} {ooos) Page B of 15 Form 3051 1/01 (b) Any such agreements ~vill not affect the rights Borrower has - if any - with respect to tile Mortgage Insurance under file Homeowners Protection Act of 1998 or ally other law. These rights may include the right to receive certaiu disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Murtgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance prenfiums 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 shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensm'e the work has been completed to ender 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 Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If tlle restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to die sums secured by tiffs 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 taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the stuns secured by this Security Instrmnent, whether or not then due, with the excess, if any, paid to Bon'ower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of die Property innnediately 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 Bm'rower and Lender otherwise agree in writing, the stuns secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds nmltiplied by file following fi'action: (a) the total amount of the stuns secured imJnediately 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, destruction, or loss in value is less than the amount of the stuns secured immediately before the partial taking, destruction, or loss in value, unless Bon'ower and Lender otherwise agree in writing, the Miscellaneons Proceeds shall be applied to the sums secured by this Security Instrtm~ent 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 thils to respond to Lender within 30 ~ys 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 h~strument, 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 shall be in default if any action, or proceeding, whether civil or cfinfimd, is begun that, ill Lender's judgment, could result in tbrI~iture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrmnent. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided ill Section 19, by causing the action or proceeding to be disnfissed with a ruling that, ill 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 are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied ill the order provided for in Section 2. i(~. Initials:~ 6(WY) {ooo~} Page 9 of 15 Form 3051 1/01 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time tbr paylnent or modification of amortization of ~e sums secured by this Security Instrument granted by Lender to Borrower Or any Successor in Interest of ]~orrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. L~nder shall not be required to co]mnence proceedings against any Successor in Interest of Borrower or ~ ) refuse to extend time for payment or otherwise modify amortization of the sums secured by this Secu ity Insr. rument by reason of any demand made by the original Borrower or any Successors in Interest of BoJ ~'ower. Any forbearance by Lender in exercising any right or remedy inchiding, without limitation, Lend, It's acceptance of payments frmn third person~, entities or Successors in Interest of Borrower or in arno nts less ti]au the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-si{~ners; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and lia ~ility shall be joint and several. However, any Borrower who c_'o-signs this Security Instrument but does ]iot execute the Note / ....... : ......... - '~ ~,a , ~u-~lgil~ ): I,a) IS co-signing this Security hlstrument only to mortgage, grant ~nd convey the co-signer s interest in the Property-under the terms of flris Security Instrument; (b) is not plersonally obligated to pay the sums secured by fltis Security fustrument; and (c) agrees that Lender and ~y other Borrower can agree to extend, modify, forbear or make any acconm~odations with regard to th~tenns of this Securit Instrum . ' · co-signer's consent. .. y ent or the Note without the Subject to the provisions of Section Borrower's obligations under tiffs Security In., all of Borrower's rights and benefits under th Borrower's obligations and liability under this writing. The covenants and agreements of~ Section 20) and benefit the successors and assi 14. Loan Charges. Lender may charg{ Borrower's default, for the purpose of protec Security Instrument, including, but not linfiter In regard to any other fees, the absence of exp~ fee to Borrower shall not be construed as a pro fees that are expressly prohibited by this Securi If the Loan is subject to a law which sets ] that the interest or other loan charges collecter permitted limits, then: (a) any such loan charl charge to the permitted Ii]nit; and (b) any sums limits will be refimded to Borrower. Lender ~ owed under the Note or by making a direct reduction will be treated as a partial prepa. prepayment charge is provided for under the direct payment to Borrower will constitute a w of such ovemharge. 8, any Successor in Interest of Borrower who assumes trument in writing, and is approved by Lender, shall obtain !s Security Instrument. Borrower shall not be released from Security Instrument mdess Lender agrees to such release iu tis Security Instrument shall bind (except as provided in :ns of Lender. Borrower fees for services performed in com]ection with ing Lender's interest in the Property and rights ruder this to, attorneys' fees, property inspection and valuation fees. ess authority in this Security Instrument to charge a specific libition on the charging of such fee. Lender may not charge ty Instrument or by Applicable Law. naximmn loan charges, and that law is finally interpreted so or to be collected in connection with the Loan exceed the e shall be reduced by the amount necessary to reduce the already collected from Borrower wlfich exceeded permitted nay clmose to make tiffs refund by reducing the principal payment to Borrower. If a refund reduces principal, the ment without any prepayment charge (whetl~er or not a ,tote). Borrower's acceptance of any such refund made by iver of any right of action Borrower might have arising out 15. Notices. All notices given by BorroWer or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in $ormection with this Security Instrument shall be dee]ned [o have been given to Borrower when mailed byI first class mail or when actually delivered to Borrower s notice adth-ess if sent by other means. Notice t~ any one BOrrower shall constitute notice to all Borrowers mfless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has desig]~ated a substitute nofic~ address by ]mtice to Lender. Borrower shall rm notify Lender of Borrower's change of addressI If Lender specities a procedure for reporting BoP~ro~Perfl'.Yq change of addi'ess, then BorrOwer shall only r.e~ort a change of address through that specified procedure. There nmy be only one desig]mted notice add[ess under this Security Instrument at any one time. Any notice to Lender shall be given by delivering ~t or by nutiling it by first class ]nail to Lender's address stated herein unless Lender has desig~kated ~nother adth'ess by notice to Bon'ower. Any ]mtice in com~ection with this Security Instrument shall ~ot be deemed to have been given to Lender m~til actually received by Lender. If any notice required bY ~his Security Instrument is also required under Apolicable Law, fl~e Applicable Law requirement will sOfisfy the con'esponding requirement under this ~ecurity Instrument. Initials: (~ll~-6{WY) (ooo~) Page 1,3 ol 16 ~ Form 3051 1/01 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction ill which the Property is located. All rights and obligations contained in tiffs Security Instrmnent are subject to ally requirements and linlitafions of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prolfibifion against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such comflict shall not affect other provisions of this Security Instrument or tile Note which can be given effect without the conflicting provision. As used ill this Security Instrument: (a) words of tile masculine gender shall mean and include corresponding neuter words or words of the fenfiuine gender; (b) words ill the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take ally 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 iu Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in file Property, including, but not linlited to, those beneficial interests transferred ill a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is file trm~_~sfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or ally 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 lnay require immediate payment in full of all sums secured by tills Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited 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 frmn the date the notice is given ill accordance with Section 15 within which Borrower nmst pay all stuns 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. 19. Borrower's Right to Reinstate After Aeceleratiou. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontilmed 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; (b) such other period as Applicable Law: might specify for the termination of Borrower's right to reinstate;i 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 incm'red in enforcing this Secm'ity Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and v~nation fees, and other fees incurred for the purpose of protecting Lender's interest iu the Property and righis under this Security Instrument; and (d) takes such action as Lender ~nay reasonably require to assure that Lender's interest in the Property and rights under tllis Security Instrument, and Borrower's obligation to pay tile 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 tt~e following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check m' 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 occurred. However, tiffs right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievauce. The Note or a partial interest in the Note (together with tllis 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 collects Periodic Payments due under the Note and this Security Instrmnent and performs other mortgage loan servicing obligations under the Note, this Security Inst~mnent, and Applicable Law. There also might be one or more changes of the Loan Servicer uurelated 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 nalne and address of the new Loan Servicer, the address to wlfich payments should be made and any other information RESPA I1~. Initials:~ ~(WY} (ooo5) Page 11 of 115 Form 3051 1/01 requires in com~ection with a notice of transffr of servicing. If the Note is sold and thereatter the Loan is serviced by a Loan Servicer other than the p~rchaSer of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan ServiCer or be ts'ansferred to a successor Loan Servicer and are not assumed by the Note pm'chaser Ulfless otherwise provided by the Note purchaser. Neither Borrower nor Lender may core, hence, join, or be joined to any judicial action (as either an individual litigant or the member of a classl that arises from the other party's actions pursuant to this Security Instrument or that alleges that the off[er party has breached any provision of, or any duty owed by reason of, this Security Instrument, until sucli Borrower or Lender Ins notified the other party (with such notice given in compliance with the requiren~ents of Section 15) of such alleged breach and afforded the other party hereto a reasonable period aft¢ the giving of such notice to take corrective action. If Applicable Law provides a time period whic'h must elapse before certain action can be taken, fl~at time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportmfity to cure given to Bon'ower purs~ Borrower pursuant to Section 18 shall be dee action provisions of tiffs Section 20. 21. H,~zardons Substances. As used substances defined as toxic or hazardous sue following substances: gasoline, kerosene, otb and herbicides, volatile solvents, materials cot~ (b) "Envirmmiental Law" me~a~,;S federal laws a relate to health, safety or en~iromnental Prot~ action, remedial action, or removal action, as Condition" means a condition that can can Cleanup. ~ant to Section 22 and the notice of acceleration given to lned to satisfy the notice and opportmfity to take corrective n this Section 21: (a) "Hazardous Substances" are those ances, pollutants, or wastes by Enviromnental Law and the .~r fla~mnable or toxic petroleum products, toxic pesticides raining asbestos or formaldehyde, and radioactive materials; t~d laws of tile jurisdiction where the Property is located tlmt ',ction; (c) "l~nviromnental Cleanup" includes any response defined in Envirmm~ental Law; and (d) an "]~nviromnental e, conthbute to, or otherwise trigger an Environmental Borrower shall not cause or permit the p{esence, use, disposal, storage, or release of any Hazardous Substances, or tiltreaten to release any Hazardous Substances, on or in the Property. Borrower ~all not do, nor allow anyone else to do, anything affectin~ the Property (a) that is in violation of any Enviromnental Law, (b) which creates an Enviromnental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition ffmt !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 timt are generally recognized to be appropriate to normal residential uses and to ~naintenance of the Property (including, but no~ limited to, hazardous substances in consumer products). Borrower sliall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatpry agency or private party involving the Property and any Hazardous Substance or Envirmm~ental La~ of which Borrower has actual knowledge, (b) any ]~nvirmmaental Condition, ncludmg but not lnmted ~o, any spilling, leaking, discharge, release or tin'eat of release of any Hazardous Substance, and (c) 4ny condition caused by the presence, use or release of a Hazardous Substance which adversely affects t~e value of the Property. If Borrower leanm, or is notified by any governmental or regulatory authority, qr any private party, that any removal or other remediation of any Hazardous Substance affecting the Propetty is necessary, Borrower shall pronlptiy take all necessary remedial actions in accordance with Envirom~ental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. Initials: (~)~'6(WY) (000~) P~g~ ~2 ~,f~ Form 3051 1/01 115' NON-UNIFORM COVENANTS. Borrower and Lender furrier covenant and agree as lbllows: 22. Acceleration; Remedies, Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration uuder Section 18 unless AppliCable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from file date the notice is giveu to Borrower, by which the default must be cured; and (d) that failure to cure the default ou or before the date specified iu the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of file right to reinstate after acceleration mid the right to bring a court action to assert the non-existence of a default or any other defense of BOrrower to acceleration mid sale. If file default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security hlstrument without further de~nand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect ali expenses incurred in pursuing file remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes tile power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and file Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of tile sale shall be applied in the following order: (a) to all expeuses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to tile person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release tiffs Security Instrument. Borrower shall 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 pernfitted under Applicable Law. 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. I~). Initials: 6(WY) Iooosl Page 13 of 15 Form 3051 1/01 BY SIGNING BELOW, Borrower acc4pts and agrees to the terms and covenants contained in this Security hmtrument and in any Rider execute~l by Borrower and recorded with it. Witnesses: CARLL JENSEN (Seal) -Borrower C~~-~al) -Borrower (S -Borr~ (S, -Borr( (S~ -Bom Yver w~r ~'er (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (~6(WY) looo5) Page 14 of 15 Form 3051 1/01 STATE OF WYOMING, LINCOLN The foregoing inst~-ument was acknowle~ by CARLL.J~NSW. N AND MYRLm. T Jw. NS County ss: lged before me this 19th 'day of August, 2003 ~N My Commission Expires: February 2 :~ , 12006 [" ~IHELLEY SI~DNI - NOT/4~ F~JBUC Notary Publ~~ ~ (~)e-OG(W¥) (ooo51 Page 15 of 15 Form 3051 1/O1 118 PLANNED UNIT DEVELOPMENT RIDER PLANNED UNIT DL~VHLOPIW~NT IIIDPI[ is ~ ~ ~ ~o0~ (tile MLcn~r") of~e same d~e lad ~vemg llte Proper~ ~scribed i~ die ~'ur4ty Inm'u~elit ~ad loca~ z: 247 ArA'A DRZV~, T~3L]~i[, ~' 832.27 The ~op~ indudee, but is ~z limi~l to. a ps~.el orle~d improv~ with a dwellln& toge~r ~ o~ 'PUD"). ~e Pr~ny ~so l~l~ ~°~w~.~ Jn~z in ~ ho~s ~o~ or .c~,~~~o~;~i ~ ~,o, ~.e.~,. o~,,.~o. ~... ~ ,~., by-hw~ or o,~ -.'-- :' ~."~"'~ ~ wh~ ~ MULT~A~ ~D fllD~ - Single F~mJly. ~ Maa/Pt~d~ Mie UNFORM INSTRUM~ ~;e 1 of 3 Form alSO 1/01 ~TR (0008) vMp MORTGAGE ;O~;. (900)~21-7291 naurance cxiTier, a nmstcr or ' ' ,~ . . . . nainta~ with a ~1 bl~et~ ~ m . - ~ t~ P ~ coy e in e . ~ . ~cl~di2g, ~[ not ]~(~. roi ~m,.~ ~ ;..~.._~.~ver~e, ~d ~y o~ b~, ' · -~ ;mu ~ - ' · Y-- ........... -G= uu mc ~o - ~ ~at ~r r~Uias ~ a co~don Of~ ~v~c~ ~e ~ ~ t~ of~ Ion. Pm~a~ oY me ~t~ ~ bl~ policy, C ~bfl~ T.~.~,.. v ......~_ ~' -T ....7 ~ ~e, ~ ~y, ~a to ~. · e ~n~ Auo~oa ~$ a 'uubli~ liabm*' ~ ..... ~ u ~y ~ r~le ,~- C~n~edon. ~ ~ o~ eX ~ or d~ for "-~--- d ~tfor ab~ .~ · ~ or esso9 hy fi~ or oaer cu~ or'~ ~ -~~~ by law ~ ae ~ of ~Y~t~ rov~' "~. -~uza~ng~~~ . .-~ . C ) ~on u~pro~ ~ . ~ ~ for ~e ~v= e m~ ' - --.,, -,,,~ ~?~ nave me ef~ of.rinds' -:~ ~ts shgJ ~ iq , ~ ~d ~nder ree m o . t~t from ~e ~ · ~ ~ of ~ o d~b ~, ~e mt==t, ~pon ~e~ from ~ ~ So~o.[__..~l~t .at te~ote ~ ~d ~ ~ -~ ,~ung pa~t. ~Tfl (0006! P~O :~Of 3 Form 3'ISO 1/01 ~O'd ~WIO± 120 ($~1) (Sed) Form 3160 11Ol