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GreenPoint Mortgage Funding, Inc.
100 Wood Hollow Drive, Distribution Department
Novato, California 94945 'B;OK_~S,.~O ~PR PAGE
Prepared By:
GreenPoint Mortgage Funding, Inc.
1160 N. Dntton Avenue, Ste 250
Santa Rosa, California 9541)1
[Si>acc /,I)ove This Line For Recto'ding Datal
iViORTGAG. E
MIN 100013801042538367
DEFINITIONS
Words used in nmltiple sections of tl, is document are defined below and other words are defined in
Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage Of words used in this document are
also provided in Section 16.
(A) "Security Instrument" means tiffs document, which is dated January 4, 2 0 02 ,
together with all Riders to this documeni.
(B) "Borrower" is ~
Loren E youn~ and Kristine Young, Husband and Wife
Borrower is the mortgagor under this Security instrument.
(C) "MERS" is Mortgage Electronic Registration Systems, Inc: MERS is a separate corporation that. is
acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee
under'this Security Instrument. MERS is organized and existing under the laxvs of Delaware, and has an
address and telephone nmnber of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS.
BBAQ ~ 100
WYOMING-SingleFamiIy-FannieMae/Freddie Mac UNIFORM INSTRUMENT WITHMERS Form 3051 1/0~1
i~,~,; 6 A(WYi (ooo5),0~
Page 1 of 15 , Initials: , :
VMP MORTGAGE FORMS - (800)521-7291
(D) "Lender" is GreenPoint Mort(jade Funding, Inc.
Lender is a corporation
organized and existing under t!~e laws o'/The State Of New York
Lender's address is 100 Wood Holler? Drive
Novato, California 94945
(E) "Note" means the promissory note si?~ed by Borrower and dated January 4, 2002
The Note states that Borrower owes Len:l,~'r
Ninety-Six Thousand and 00/i00ths Dollars
(IJ.S. $ 96,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic
Payments and to pay the debt in full not later than February 1, 2032
(F) "Property" means the property thai: is described below under the heading "Transfer of Rights in the
Property."
(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges
due under the Note, and all sums due m~der this Security Instrument, plus interest.
(H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following
Riders are to be executed by Borrower [check box as applicable]:
[--] Adjustable Rate Pdder' [----] Condominium Rider [] Second Home Rider
[---] Balloon Rider [--] Planned Unit Development Rider [---] 1-4 Family Rider
~ VA Rider [] Biweekl7 'Payment Rider [-'-] Other(s) [specify]
(I) "Applicable Law" means all controlling applicable federal, s~te and local statutes, regulations,
ordinances and administrative rules and orders (that have the effect of law) tis well as all applicable final,
non-appealable judicial opinions.
(J) "Community Association Dues, Fez,~;, and Assessments" means all dues, fees, assessments and other
charges that are imposed on Bon'ow~:r or the Property by a condominium association, homeowners
association or similar organization.
(K) "Electronic Funds Transfer" me~ns an), transfer of funds, other than a transaction originated by
check, draSt, or similar paper instrum~'r,t, whic}~ ' initiated through an elect,'onic terminal, telephonic
instrument, computer, or magnetic tape s~, as to order, instruct, or authorize a financial institution to debit
or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller
machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse
transfers.
(L) "Escrow Items" means those items tl~at are described in Section 3.
(M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid
by any third party (other than insurance l~roceeds'paid tinder the coverages described in Section 5) for: (i)
damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the
Property; (iii) conveyance in lieu of conden/nation; or (iv) misrepresentations of, or omissions as to, the
value and/or condition of the Property.
(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or dehult on,
the Loan.
(O) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the
Note, plus (ii) any amounts under Section 3 of Q~is Security instrmnent.
(P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its
implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended fi'om time to
time, or any additional or successor legislation or regulation that governs the same subject manet. As used
in this Security Instrument, "RESPA" re~Srs 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.
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Irfilia[s:
1I~,-6A(WY) (oo05),o~ Page 2 ~ :5 rm 3051 1/01
(Q) "Successor in Interest of Borrowe:" means any party that has taken title to the Property, whether o.'
not that pauly has assumed Borrower's o3iigations under the Note and/or Ibis Secm'ity Instrument.
TRANSFER OF P, IGHTS IN THE PR(~I'ERTY
This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and
modifications of the Note; and (ii) the peribrmance of Borrower's covenants and agreements under
this Security Instrmnent and the Note. For this purpose, Borrower does hereby mortgage, grant and convey
to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors
and assigns of MERS, with power of sale, the ibllowing described property located
in. the County of Lincoln :
[Type of Recording Jurisdictim~] [Name of Recording Jm'isdictionl
The land referred to in this Commitment is described as follows:
Lot 10 of Bear Creek Estates S~bdivision Second Filln~, Lincoln County,
Wyomin~ as described on the o~ficial plat thereof, filed November 29, 2001
as Instrument No. 877628 of the records of the Linco]_n County Cierk.
Parcel ID Number: 12 - 3 4.18 - 18 - 1 - 0 0 - 317.0 0 which currently has the address-of
63 Bear Creek Estates Drive [Street]
Thayne [City] , Wyomillg 8 312 7 [Zip Code]
("Property Address"):
TOGETHER WITH all the improvements now or hereafter erected on the property, and all
easements, appurtenances, an.d fixtures now or hereafter a part of the property. All replacelnents and
additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this
Security Instrument as the "Property." Borrower understands and agrees that: MERS holds only legal title
to the interests granted by Borrower in this Security Instrument, but, if necessary to complY with law or
custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any
or all of those interests, including, but not l{mited to, the right to foreclose and sell the Property; and to
take any action required of Lender incl~ding, but not limited to, releasing and canceling this Security
Instrument.
BORROWER COVENANTS that Eon'oxver is lawfully seised of the estate hereby conveyed and has
the right to mortgage, grant and convey the Properly and that the Property is unencumbered, except 'for
encumbrances of record. Borrower wanants and will defend generally the title to the Property against all
claims and demands, subject to any encumbrances of record.
THIS SECURITY [NSTRUMEN2~ combines uniform covenants for national use and non-uniform
covenants with limited variations by jud:Miction to constitute a uniform security instrument covering real
property.
BBAQ - 100
i~,,-6A(WY) (o005).0~ pa~e 3 o~ ~5 erin 3051: 1/01
8,99
UNIFORM COVENANTS. Btm'o'...v,~r and Lender covenant and agree as follows:
1. Pay~nent of Principal, Interest, Escrow Items, Prepayment Charges, .and Late Charges.
Borrower shall pay when due the principal o~; and interest on, the debt evidenced by the Note and any
prepayment charges and late charges due under the Note. Borrower shall also pay funds :for Escrow Items
pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U,S.
cmTency. However, if any check or other h~strument received by Lender as payment nnder the Note or this
Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments
due under the Note and this Security rnstrmnent be made in one or more of the following forms, as
selected by Lender: (ay cash; (by money order; (c) certified check, bank check, treasurer's check or
cashier's check, provided any such checlc is drawn upon an institution whose deposits are insured by a
federal agency, instrmnentality, or entity; or (dy Electronic Funds Transfer.
Payments are deemed received by Lender when received at the location designated in the Note or at
such other location as may be designated by Lender in accordance with the notice provisions in Section 15.
'Lender may return any payment or partial payment if the payment or partial payments are insufficient to
bring th~ Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan
cnrrent, without waiver of any rights hereunder or prejndice to its rights to refl~se snch payment or partial
payments in the fliture, but Lender is nm Obligated to apply' such payments at the time such payments 'are
accepted. If each Periodic Payment is applied as of its scheduled due dale, then Lender need not pay
interest on unapplied funds. Lender ma5.' hold such unapplied funds until Borrower makes payment to bring
the Loan current. If Borrower does not d<~ so within a reasouable period of time, Lender shall either apply
such funds or return them to Borrower, [1' not applied earlier, such funds will be applied to the outstanding
principal balance under the Note imme. x!iately prior to fbreclosnre. No offset or claim whicla Borrower
might have now or in the future againsi: [.ender slmll relieve Borrower fi'om making payments due under
the Note and this Security Instrument or performing the covenants and agreements secnred by this Security
Instrument.
2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all
payments accepted and applied by Lender shall be applied in the following order of priority: (ay interest
due under the Note; (by principal due under the Note; (c) anaounts dne under Section 3. Such payments
shall be applied to each Periodic Payment in the: order in which it became due. Any remaining amounts
shall be applied first to late charges, second to any other amonnts due under this Security Instalment, and
then to reduce ~he principal balance of tl~e Note.
If Lender receives a payment fro:in. Borrower lbr a delinquent Periodic Payment which includes a
su:t'ficient amount to pay any late charge due, the payment may be applied to the delinquent payment and
the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received
from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be
paid in full. To the extent that any excess exists after the payment is applied to the fall payment of one or
more Periodic Payments, such excess may be applied to any late charges due. VoluntmT prepayments shall
be applied first to any prepayment charges and then as described in the Note.
Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under
the Note shall not extend or postpone the due date, or change the amount, of lhe Periodic Payments.
3. Funds for Escrow Items. Bott'myer shall pay to Lender on the day Periodic Payments are due
under the Note, until the Note is paid i~ lhll., a snm (the "Funds") to provide for payment of amounts due
for: (ay taxes and assessments and other' i te~s wlxich can attain priority over this Security Instrm'nent as a
lien or encumbrance on the Property; (!)~' leasehold payments or ground rents on the Property, if.any; (c)
premiums fbr any and all insurance rtc;uired by Lender under Section 5; and (dy Mortgage h'isurance
premiums, if any, or any sums payabk' by Borrower to Lender in lieu of the payment of Mortgage
Insurance premimns in accordance with the provisions of Section 10. These items are called "Escrow
Items." At origination or at any time during the term of the Loan, Lender may require that Community
Association Dues, Fees, and Assessing:his, if' any, be escrowed by Borrower, and such dues, fees and
assessments shall be an Escrow Item. Bo~-t'ower shall promptly furnish to Lender all notices of amounts to
be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives
Borrower's obligation to pay the Fuiqds for any or all Escrow Items. Lender may waive Borrower's
obligation to pay to Lender Funds for any or all Escrow Items at any time. Any snch waiver may only be
in writing..In the event of such waiver, Bm'rower shall pay directly, when and where payable, the amonnts
Initials:
~-6A(WY) (ooo,s).o~ Pa~e 4 of 'is 305'1 '1/0'1
due :for any Escrow Items for which paymej~t of Funds has been waived by Lender and, if Lender requires,
shall furnish to Lender receipts evidencing such. payment within such time period as Leuder may require.
Bon'ower's obligation to make such payments and. to provide receipts shall for all purposes be deemed to
be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement"
is used in Section 9. If Borrower is obligated to pay Escrow items directly, pursuant t'o a waiver, and
Borrower :fails to pay the amount due for an Escrow Item, Lender may exercise its rights trader Section'9
and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such
amount, Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in
accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in
such amounts, that are then required under this Section 3.
Lender may, at any time, collect a~c! hold Funds in an amount (a) sufficient to permit Lender to apply
the Funds at the time specified under kl;SPA, a!~d (b) not to exceed the maximum amount a lender can
require under RESPA. Lender shall es,i~:~ate the amount of' Funds due on the basis of current data and
reasonable estimates of expenditures ct' ';ctture Escrow Items or otherwise in accordance with Applicable
Law.
The Fm~ds shall be held in m'~ h-~stitution whose deposits are insured by a federal agency,
instrumentality, or entity (including Le~&~r, if Lender is an institution whose deposits are so insured) or in
any Federal Home Loan Bank. Lender si~all apply the Funds to pay the Escrow items no later than the time
specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, ammally
analyzing fhe escrow account, or verifying the Escrow Items, nnless Lender pays Borrower interest on the
Funds and Applicable Law pem~its Lender to make such a charge. Unless an agreement is made in writing
or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Bon'ower
any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest
shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the
Funds' as required by RESPA.
if there is a suq~Ius of Funds held in escrow, as defined under RESPA, Lender shall account to
BotTower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow,
as defined tinder RESPA, Lender shall m)tify Borrower as required by RESPA, and Borrower shall pay to
Lender the amount necessary to make ~p the shortage in accordance with RESPA, but in no more than 12
monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall
notify Borrower as required by tD¢SPA, and Borrower stroll pay to Lender the ammmt necessary to make
up the deficiency in accordance with REiS PA, but in no more than 12 monthly payments.
Upon payment in full of all sums .secured by this Security Instrument, Lender shall promptly retired
to Borrower any Funds held by Lender.
4. Charges; Liens. Borrower slm[l pay all taxes, assessments, charges, fines, and impositions
attributable to the Property which can atlain priority over tlhs Security Instrument, leasehold payments or
grmmd rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To
the extent that these items are Escrow [lems, 'Borrower shall pay them in the manner provided m Section 3.
Borrower shall promptly discharge any !ien which has priority over this Secm'ity Instrument unless
Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a maimer acceptable
to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith
by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to
prevent the enfbrcement of the lien while those proceedings are pending, but only m~til such proceedings
are concktded; or (c) secures from the bolder of the lien an agreement satisfactory to Lender subordinating
the lien to this Security Instrument. If Lender detenniues that any part of the Property is snhject to a lien
which can attain priority over this Security'Instrun~ent, Lender may give Borrower a notice identifying the
BBAQ - 10 0 ~//~ ' :
1II~,~6A(WY) (0oo5),Ol Pa~esof~5 Form 3051 1/01
lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien tn' take one or
more of the actions set forth above in this Section 4.
Lender may require Bon'ower to pay a one~time charge for a real estate tax verification aud/or
reporting service used by Lender in conne, ction with this Loan.
5. Property Insurance. Borrower shall keep the improvements now existing or laereafter erected ou
the Property insured against less by fire, hazards included within the term "extended coverage," aud any
other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance.
This insurance shall be maintained in lh,z amounts (including deductible levels) and for the periods that
Lender requires. What Lender requires ptlrsuant to the preceding sentences can change during the term of
the Loan. The insurance carrier providing tile insurance shall be chosen by Borrower subject to Lender's
right to disapprove Borrower's choice, which right shall not be exercised um'easonably. Lender may
require Borrower to pay, in connection with this Loan, either: (a) a one-time charge fbr flood zone
determination, certification ami tracking services; or (b) a one-time charge for flood zone determination
and certification services and subseqne,,~l charges each time remappings or similar changes occur which
reason'ably might affect such deter-ruination or certification. Borrower shall also be responsible for tile
payment of any fees imposed by the Federal Emergency Management Agency in connection with the
review of any flood zone detemaination resulting Ii'om an objection by Borrower.
If Borrower fails to maintain any of the cdverages described above, Lender may obtain insurance
coverage, at Lender's option and Bon-ower's expense. Lender is under no obligation to purchase any
particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might
not protect Bon'ower, Borrower's equity in the Property, or the contents of the Property, against any risk,
hazard or liability and might provide greater or lesser coverage than was previously lin effect. Borrower
acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of
insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall
become additional debt of Borrower secu~'ed by this Security Instrument. These amounts shall bear interest
at the Note rate from the date of disbhrsement and shall be payable, with such interest, upon notice frbm
Lender to Borrower requesting payment. :~
All insurance policies required by l_ender and renewals 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 an additional loss i~:~yee. Lender shall have the right to hold the policies and renewal
certificates. ~f Lender requires, Borrow_er shall promptly give to Lender all receipts of paid premi,ms arid
renewal notices. If Borrower obtains at-~y form of insurance coverage, not otherwise required by Lender,
for damage to, or destructiol~ of, the P~'operty, such policy shall include a standard mortgage clause and
shall name Lender as moFtgagee and/or as an additional loss payee.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender
may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree
in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall
be applied to restoration or repair of the Property, if the restoration or repair is economically feasi'ble and
Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to
hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the
work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken
promptly. Lender may disbm'se proceeds for the repairs and restoration in a single payment 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 insurance proceeds, Lender shall not be required to pay Borrower any
interest or earnings on such proceeds. Fees 'for public adjusters, or other third parties, retained by
Borrower shall not be paid out of the insurance proceeds and 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 Security Instrument, whether or not then due; with
BBAQ-iO0 ~/~i :
~,-6A(WY) (000~).0~ Faoe 6 of 15 orrn 3051 1/01
902 :
the excess, if any, paid to Borrower. Such insm'ance proceeds shall be applied in the order provided fbr in
Section 2.
If Borrower abandons tlne Prope~t5. Lender may file, negotiate and settle any availnble insm*ance
claim and related matters. [~ Borrower 5.:~es not respond within 30 clays to a nolice fi-om Lender thai the
insurance carrier l~as or, bred to settle a claim, then Lender may negotiate and settle the claim. The 30-day
period will begin when the notice is 3liven. In either event or if Lender acquires the Propeay under
Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance
proceeds in an amount not to exceed the amounts unpaid uuder the Note or this Security Instrument, and
(b) any other of Bon'ower's rights (other than the right to any reSmd of unearned premiums paid by
Borrower) under all insm'ance policies covering the Property, insohr as such rights are applicable to the
coverage of the Propmly. Lender may use the insurance proceeds either to repair or restore the Property or
to pay amounts unpaid under the Note or this Security instrument, whether or not then due.
6. Occupancy. Borrower shall occupy, establish, and use the Propmly as Borrower's principal
residence within 60 days after the execution of tlfis Security h~strument and shall continue to occupy the
Property as BmTower's principal residence for at least one year after the date of occupaucy, unless Lender
otherwise agrees in writing, wlfich conseut shall not be unreasonably withheld, or unless extenualing
circmnstances exist which are 'beyond.Borrower's control.
7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not
destroy, damage or impair'the Property, allow the Property to deteriorate or commit waste on the
Property. Whether or not Bmxower is ~'esiding in the Property, Borrower shall maintain the Property in
order to prevent the Property fi-om deteriorating or decreasing in value due to its condition. Unless it is
determined pursuant to Section 5 that :el)air or restoration is not economically feasible, Borrower shall
promptly repair the Prope~y if dam~,~ed to avoid further deterioration or damage. If insurance or
condenmation proceeds are'paid in connection with damage to, or the taking of, the Property, Borrower
shall be responsible for repaMng or reentering the Property only if Lender has released proceeds for such
purposes. Lender may disburse proceeds :bt the repairs and restoration in a single payment or in a series of
progress payments as the work is comp er ed. If the insurance or condemnation proceeds are not sufficient
to repair or restore the Property, Borrower is not relieved of Borrower's obligation tbr the completion of
such repair or restoration.
Lender or its agent may make reasonable entries upon and inspections of the Prope~y. If it has
reasdnable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give
Borrower notice at the time of or prior to such an interior inspection speci~ing such reasonable cause.
8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application
process, Borrower or any persons or eutities acting at the direction of Bon'ower or with Borrower's
lmowledge or consent gave materially 5tlse, misleading, or inaccurate information or statements to Lender
(or filled to provide Lender with material information) in connection with the Loan. Material
representations include, but are not limited to, representations concerning Bon'ower's occupancy of the
Property as Boxower's principal residence. :
9. Protection of Lender's Interest in the Pfoperty and Rights Under this Securi~, Instrument. If
(a) Bon'ower fails to perform the covenants and agreements contained in this Security Instrument, (b) there
is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under
this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture,
enforcement of a lien whic'h may attt-~i~ ~riority over this Securtt3 [nstnmaent or to enforce laws or
regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is
reasonable or appropriate to protect Lender's interest: in the Property and rights under tbis Security
Instrument, including protecting and/or assessing the value of the Property, aud securing and/or repaMng
the Property. Lender's actions can incl'tx~e, but are not limited to: (a) paying any sums secured by a lien
which has priority over this Security Iastrument; (b) appearing in court; and (c) paying reasonable
~;6A(WY) (ooo5),o~ P~zof*s 305i 1/01
attorneys' fbes to protect its interest in li~,: Property and/or rights under this Security h~strument, :including
its secured position in a banld'uptcy p~'oceeding. Securiug the Property inckMes, but is not limited to,
entering the Property to make repairs, change locks, replace or board up doors and windows, drain water
from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned
on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not
under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all
actions authorized under this Section 9.
Any amounts disbursed by Lender under this Section 9 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, xvith 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 lhe Properly, fl~e leasehold and the fee title shall not merge unless
Lender agrees to the merger in writing.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan,
Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, tbr any reason,
the iMortgage Insurance coverage required by Lender ceases to be available fi-om the mortgage insurer that
previously provided such insurance anti Borrower was required tO make separately designated payments
toward the premiums for Mortgage ']u?~arance, Borrower shall pay the premimns required to obtain
coverage substantially equivalent to the.~ Mortgage insurance previously in eflkct, at a cost substantially
equivalent to the cost to Bon'ower of lhe Mortgage insurance previously in efi-'ect, fi'om an alternate
mortgage insurer selected by Lender. 11' substantially equivalent Mortgage Insurance coverage is not
available, Borrower shall continue to pay to Lender the amount of the separately designated payments that
were due when the insurance coverage ~:eased to be in effect. Lender will accept, use and retain these
payments as a non-refundable loss re,,:e~'ve in lieu of Mortgage Insurance. Such lo'ss reserve shall he
non-refundable, notwithstanding the fact ihat 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 Le~:der again becomes available, is obtained, and Lender requires
separately designated payments reward the premiums for Mortgage Insurance. If Lender required Mortgage
Insurance as a condition of making the Loan and Bon'ower was required to make separately designated
payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to
maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's
requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and
Lender providing for such termination or ~mtil termination is required by Applicable Law. Nothing in this
Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note.
Mortgage Insurance reimburses Lender (or any entity that purchases the Note) :for certain losses it
may incur if BotTower 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 fi'om time to time, and may
enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements
are on terms and conditions that are satisfactory to the mortgage insurer and the other puny (or parties) to
fl~ese agreements, These agreements may require the mortgage insurer to make payments using any source
of fimds'that the mortgage insurer may h~tve available (which may include tiinds obtained fi'om Mortgage
Insurance premiums).
As a result of these agreements, 1,¢'nder, any purclnaser of the Note, another insurer, any reinsm'er,
,any other entity, or any affiliate of any of' the foregoing, may receive (directly or indirectly) amounts that
'derive from (or ,night be characterized ;::;)_a portion of Borrower's payments for Mortgage Insurance, in
exchange for sharing or modif}/ing th~: ~nortgage insurer's risk, or reducing losses. If such agreement
provides that an affiliate of Lender tak~:s a share of the insurer's risk in exchange for a share of the
premiums paid to the insurer, the arran~e~nent is often termed "captive reinsurance." Further:
(a) Any such agreements will not affect the amounts that Borrower has agreed to pay for
Mortgage Insurance, or any other.terms of the Loan. Such agreements will not increase the amount
Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund.
BBAQ-IO0 ~~..~ ......
Initials:
1~,.~.~6A(WY) (ooo5).Ol PageS of 15 ~ ','~'~,/ Form 3051 1/01
(b) Any such agreements Will not affect the rights Borrower has - if any - with respect to the
Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights
may include the right to receive certain disclosures, to request and obtain cancellation of the
Mortgage Insurance, to have the Mortgage Insnrance terminated automatically, and/or to receive a
retired of any Mortgage Insurance premimns that were unearned at the time of such cancellation or
termination.
H. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby
assigned to and shall be paid to Lender.
If the Prope~y is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of
the Prope~y, if the restoration or repair is economically fbasible and Lender's secm'ity is not lessened.
During such repair and restoration period, Lender shall have the right to hold such Miscellaneot~s Proceeds
until Lender has had an opportunity to inspect such Property to ensure the work has been completed to
Lender's satisfaction, provided that SHCI'~ inspection shall be undertaken promptly. Lender may pay ibr the
repairs and restoration in a single disbt~rsement 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 ~;ot be required to pay Borrower any interest or earnings on such
Miscellaneous Proceeds. If the restorati~ ~ or repair is not economically feasible or Lender's security would
be lessened, the Miscellaneous Procee&~ :;hall be applied to the sums secta'ect by this Security Instrument,
whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be
applied in the order provided tbr in Sectit~t~ 2.
In the event of a total taking, de~struction, or loss m value of the Prope~y, the Miscellaneous
Proceeds shall be applied to the stuns secured by this Security Instrnment, whether or not then. due, with
the excess, if any, paid to Borrower.
In the event of a pmlial taking, deslruction, or loss in value of the Propet~y in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is equal to or
greater than the amount of fl~e sums secured by this Security Instrument immediately; befme the pm~ial
taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums
secured by this Security Instrmnent shall be reduced by the amount of the Miscellaneous Proceeds
multiplied by the following fraction: (a) the total amount of the sums secured inuuediately before the
partial taking, destruction, or loss in value dMded by (b) the l:air market value of the Property
immediately before the pm~ial taMng, destruction, or loss in value. ~y balance shall be paid to Borrower.
In the event of a pa~ial ta~ng, destruction, or loss in value of the Propetxy in which the fair market
value of the Property immediately before the pa~ial taking, destruction, or loss in valHe is less than the
amount of fl~e sums secured immediately before the partial taking, destruction, or loss in value, nnless
Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sulns
secHred by this Security Instrument whe~l~er or not the SHillS are then due.
If the Propeay is abandoned by Borrower, or if, after notice by Lender to Borrower that the
Opposing Patly (as defined in the next sentence) offers to make an award to settle a claim fbr damages,
Borrower fails to respond to Lender wit[~in 30 days after the date the notice is given, Lender is authorized
to collect and apply the Miscellaneous I'roceeds either to restoration or repair of the Propmly or to the
sums secured by this Security Instrumei~t. whether or not then due. "Opposing Party" means the third party
that owes Borrower Miscellaneous Procetlds,or the party against whom Borrower l~as a right of action in
regard to Miscellaneous Proceeds.
Borrower shall be in default if an~, actidn or proceeding, whether civil or criminal, is begun.that, in
Lender's judgment, could result in for&~iture of.-the PropeiXy or other material impairment of Lender's
interest in the Prope~y or rights under d~is Security'Instrument. Bon'ower can cure such a default and, if
acceleration has occun'ed, reinstate as Frovided in Section 19, by causing the action or proceeding to be
dismissed w.ith a .ruling that, in Lender's judgment, precludes forfeiture of the Property or other material
impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of
any award or claim for damages that are attributable to fl~e impaim~ent of Lender's ir~terest in the Property
are hereby assigned and shall be paid to Lender.
All MiscellaneoHs Proceeds that are not applied to restoration or repair of the Property shall be
applied in the order provided for in Section 2.
~-~A(WY) (0005).0~ P~5 / /// Form 3051: 1/01
12. Borrower Not Released; Forbearance' By Lender Not a Waiver. Extension of' the time for
payment or modification of amortization of the sums secured by this Security Instrument granted by Lender
to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrow_er
or any Successors in Interest of Borrowe~'. Lender shall not be required to commence proceedings against
any Successor in Interest of Borrowe~' or to refuse to extend time fbr payment or otl~erwise modify
amortization of the sums secured by this Security Instrmnent by reason of any demand made by the original
~j ~4 , Any forbearance by Lender m exercising auy right or
Borrower or any Successors ill Interest ~ :,,orrox~ el'.
remedy including, without [imitation, [.~.n~der's acceptanoe of payments fi'om third perstms, entities or
Successors in Interest of Borrower or il~ tm~otmts less than the amonnt then due, shall not be a waiver of' or
preclude the exercise of any right or rein;edy.
13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants
and agrees that Borrower's obligations ai~d liability shall be joint and several. However, any Borrower who
co-signs this Secm;ity Instrun-~ent but d~es not execute the Note (a "co-signer"): (a) is co-signing this
Security Instrun'~ent only to mortgage, g~ant and convey the co-signer's interest in the Property under the
terms of this Security instrument; (b) is ~/ot personally obligated to pti)' tl~e sums secured by this Security
Instrument; and (lc) agrees that Lender and any other Borrower can agree to extend, modif'y, forbear or
make any acconmaodations with regard 1o the terms of this Security Instrument or the Note without the
co-signer's consent.
Subject to the provisions of Section 18, any Successor in Interest: of Borrower who assumes
Borrower's obligations under this Security Instrnment in writing, and is approved by Lender, shall oblain
all of Borrower's rights and benefits under this Security hlstrument. Borrower shall not be released fi'om
Borroxver's obligations and liability under this Security Instrument unless Lender agrees to such release in
writing. The covenants and agreements of this Security Instrmnent shall bind (except as provided in
Section 20) and benefit the successors and assigns of Lender.
14. Loan Charges. Lender may charge Borrower fees for services performed.qn com~ection with
Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this
Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees.
In regard to any other fees, the absence o~-express authority in this Security Instrument to charge a specific
fee to Bon'ower shall not be construed as a prohibition on the charging of such tee. Lender may not charge
fees that are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so
that tile interest or other loan charges collected or to be collected in connection with the Loan exceed the
permitted limits, then: (a) any such loan charge shall be reduced by tile amount necessary to ;educe the
charge to the permitted lilnit; and (b) al~y sums ah:eady collected fi-om Borrower which exceeded permitted
limits will be refunded to .Borrower. Le,;der may choose to make this refund by reducing thc principal
owed under rite Note or by making ;l Jirect payment to Borrower. If a refund reduces principal, the
reduction will be treated as a partial l:~;'epayment without any prepayment charge (whether or not a
prepaynlent charge is provided for uncles' tl~e Note). Borrower's acceptance of any such refund made by
direct payment to Borrower will constil~lt:.' a waiver of any right of action Borrower might have arising out
of such overcharge.
15. Notices. All notices given by ~¢orrower or Lender in connection with this Security Instrument
must be in writing. Any notice to Borrower in connection with this Security hastrun~ent shall be deemed to
have been given to Borrower when mailed:'by tirst class mail or when actually delivered to Borrower's
notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers
unless Applicable Law expressly requires otlierwise. The notice address shall be the Property Address
unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly
notify Lender of Borrower's change of address. ~f Lender specifies a procedure for reporting Borrower's
change of address, then Borrower shall only report a change of address tln'ough tkat specified procedure.
There may be only one designated notice address under this Security Instrument at any one time. Any
notice to Lender shall be given, by delivering it .or by mailing it by first class mail to Lender's address
stated herein unless Lender has designated another address by notice to Borrower. Any notice in
connection with this Security Instrumel~t shall not be deemed to have been given to Lender nntil actually
received by Lender. If any notice required by this Security Instrument is also required under Applicable
Law, the Applicable Law requirement will satisfy the corresponding reqoirement under this Security
Instrument.
BBAQ-iO0 '~~~ :
(~,~.[6A(WY) (ooo5),o~ Pase~oof~5 - /~ [/~ Form 3051 1101
16. Governing Law; Severability; Rules of Construction. This Security Instrument' shall be
governed by federal law and the law of the jurisdiction in which the Property is located, All rights and
obligations contained in this Security ;lastrument are subject to any requirements and limitations of
Applicable Law. Applicable Law migh~ ~xplicitly or implicitly allow the parties to agree by corm-act or it
migh~ be silent, but such silence shall ~of be construed as a prohibition against agreement by contract. In
the event that any provision or clause o~' this Security Instrument or the Note conflicts with Applicable
Law, such conflict shall not affect othe: t, rovisions of this Security Instrument or the Nole which can be
given effect without the conflicting provis, lon.
As used in this Security [nstrume~t: (a) words of the masculine gender shall meau and include
coITesponding neuter words or words ot the feminine gender; (b) words in the singular shall mean and
include the plural and vice versa; and (,z) the word "may" gives sole discretion without any obligation to
talce any action.
17. Borrower's Copy. Borrower Shall be given oue copy oflhe Note and of this Security Instrument.
18. Transt}r of the Property or a Beneticial Interest in Borrower. As used in this Section 18,
"Interest in the Property" means any legal or beneficial interest in tbe Property, including, but not limited
to, those beneficial interests transferred in a bond fbr deed, contract for deed, installment sales contract or
escrow agreement, the intent of which is the transfer of title by BorroWer at a fi~ture date to a purchaser.
If all or any pazX of the Prope~Xy or auy Interest in the Properly is sold or transferred (or if Borrower
is not a natural person and a 'beneficial interest in Bon:ower is sold or translated) without Lender's prior
written consent, Lender may require immediate payment in Cull of all snms secured by this Security
Instrument. However, fl~is option shall not be exercised by Lender if such exercise is prohibited by
Applicable Law.
If Lender exercises this option, Lender shall give Bol~ower notice of acceleration. The notice shall
provide a period of not less than 30 days t~om the date lhe notice is given in accordance with Section 15
within which Borrower must pay all s[tms secured by this Secm'ity Instrument. If Borrower t~xils to pay
these sums prior to the expiration of this period, Lender may invoke any remedies, permitted by this
Security h~strtmaent without further notice or demand on Borrower.
19. Borrower's Right to Reinstale After Acceleration. [f Borrower meets certain cond}tions,
Borrower shall have the right to have e~forcement of this Sect~rity Instrument discontinued at any time
prior to the earliest oP (a) five days be:fb~'e sale of the Property pursuant to any power of sale contained in
this Security [ndtrument; (b) such othe: 9eriod as Applicable Law might specit}, fbr the termination oF
Borrower's right to reinstate; or (c) c:t~try of a judgment enforcing this Security Instrument. Those
conditions are that Borrower: (a) pays [.~ender all sums which then would be due trader this Security
Instrument and the Note as if no acceler~ ion had occurred; (b) cures any dethult of any other covenants or
agreements; (c) pays all expenses incur~'e~{ in enforcing this Security Instrument, including, but not limited
to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the
propose of protecting Lender's interest m the Property and rights under this Security Instrument; and (d)
takes such action as Lender~may reasonably require to assure that Lender's interest in the Property and
rights under this Security Instrument, at~d Borrower's obligation to pay the sums seem'ed by this Security
Instrument, shall continue unchanged.' Lender znay require that Bm~ower pay such reinstatement sums and
expenses in one or more of the following fo~s, as selected by Lender: (a) cash; (b) money order; (c)
certified check, bank check, treasurer's ch.eck or cashier's check, provided any such check is drawn upon
an institution whose deposits are ins~ed by:a federal agency, instrumentality or entity; or (d) Electronic
Funds Transfer. Upon reinstatement by Boz~ower, this Security Instrmnent and obligations secured hereby
shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not
apply in the case of acceleration under Section 18.
20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The 'Note or a pa~ial interest in
the Note (together with this Security Instrument) can be sold one or more times without prior notice to
Borrower. A sale might result in a clnange in the entity (lmown as the "Loan Servicer") that collects
Periodic Payments due under the Note and this Security Instrument and perfbm~s other mortgage loan
servicing obligations under the Note, this Security instrument, and Applicable Law. There also might be
one or more changes of the Loan Servicer m~elated to a sale of the Note. If there is a cbange of the Loan
Servicer, Borrower will be given writte~ ;~otice of the change which will state the name and address of the
new },oan Servicer, the address to which payments should be made and any other intbrmation RESPA
~z-fA(WY),:.; . (0005).01 Page 11 of 15 /' '~/~ Form 3051 1/01
9O7
requires in com~ection with ~' notice of tr~m.sfer of servicing, if the Note is sold and thereafter tile Loan Js
serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations
to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not
assmned by the Note purchaser unless otherwise provided by the Note purchaser.
Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an
individual litigant or fhe member of a [:lass) that arises from the other party's actions pursuant to this
Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by
reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such
notice given in compliance with fl~e requirements of Section 15) of such alleged breach and afforded the
other party hereto a reasonable period afl'er the giving of such notice to take corrective action. If
Applicable Law provides a time period which must elapse before certain action can be taken, that time
period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and
opportunity to cm'e given to Borrower pursuant to Section 22 and the notice of acceleration given to
Borrower pursuant to Section 18 shall tie deemed to satisfy the notice and opportunity to take corrective
action provisions of this Section 20.
21. Hazardous Substances. As used in this Section 21: (a)"l-tazardous Substances" are ~hose
substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the
following substances: gasoline, kerosel~e~ other flammable or toxic petroleum products, toxic pesticicies
and herbicides, w~latile solvents, materials containing asbestos or formaldehyde, and radioactive materials;
(b) "Environmental Law" means federal l:~ws and laws of the jurisdiction where the Property is located that
relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response
action, remedial action, or removal action, as defined in Enviromnental Law; and (d) an "Environmental
Condition" means a condition that c:.;~: cause, contribute to, or otherwise trigger an 'Environmental
Cleanup.
Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous
Substances, or tin'eaten to release any Hazardous Substances, on or in the Property. Borrower shall not do,
nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental
Law, (b) which creates an Enviromnental Condition, or (c) which, due to the presence, use, or release of a
Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding
two sentences shall not apply to the presence, use, or storage on the Property of small qu;antities of
Hazardous Substances that are generally recognized to he appropriate to normal residential.uses and to
maintenance of the Property (including, but not lifnited to, hazardous substauces in consumer products).
Bon'ower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit
or other action by any governmental or regu,latory agency or private party involving the Property and any
Hazardous Substance or Ehvironmenral Law of which Borrower has actual knowledge, (b) any
Environmental Condition, including bul l~ot limited to, any spilliag, leaking, discharge, release or threat of
release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a
Hazardous Substance which adversely ~tff'ects the value of the Property. If Borrower learns, or is notified
by any governmental or regulatory autt. c,rity, or any private party, that any removal or other remediation
of any Hazardous Substance affecting tl~e Property is necessary, Borrower shall promptly take all necessary
remedial actions in accordance with Et~,,:irorunenta[ Law. Nodfing herein shall create any obligation on
Lender for an Environmental Cleanup.
BBAQ-iO0 '--
i niiial s :, ~ ,~ff:~ j~~ ... '
I[~)~-6A(WY) (0o05).01 Page12of;5 Form 3051 1/01
'90,8
NON-UNIFORM COVENANTS..aonTower and Lender further covenant and agree as follows:
22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration fl~llowing
Borrower's breach of any covenant or.agreement in this Security Instrument (bnt not prior to
acceleration under 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 the date
the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure tile
dethult on or before the date specified in llle notice may result in acceleration of the snms secured by
this Security Instrument and sale of the Property. The notice shall fi~rtber inform Borrower of tile
right to reinstate after acceleration and the right to bring a court action to assert the non-existence of
a default or any other defense of Bor:'mver to acceleration and sale. If the default is not cured on or
before the date specified ill the nntice, Lender a-t its option may require immediate payment in fnll of
all sums seeured by this Security lnslrument without further demand and may invoke the power of
sale and any other remedies permitled by Applicable Law. Lender shall be entitled to collect all
expenses incurred ill pursoing the remedies provided in this Section 22, including, bnt not liinited to,
reasonable attorneys' tees and costs o1' ~itle evidence.
If Lender invokes the power of st:le, Lender shall give notice of inient to foreclose to Borroiver
and to the person in possession of tlu, Property, if different, in accordance with Applicable Law.
Lender shall give notice of the sale to l:~orrower in the manner provided in Section 15. Lender shall
publish the notice of sale, and the P~mperty shall be sold in the manner prescribed by Applicable
Law. Lender or its designee may purch}~se the Property at any sale. The proceeds of the sale shall be
applied in the following order: (a) l:o all expenses of the sale, including, hilt not limited to,
reasonable attorneys' fees; (b) to all stuns secured hy this Security Instrument; and (c) a,y excess to
the person or persons legally entitled [o it.
23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this
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 fl~e
charging of the fee is permitted under Applicable Law.
24. Waivers. Borrower releases z~nd waives all rights under and by virtue of the homestead
exemption laws of Wyoming.
I nitiats:~,~
-6A(WY) (ooo5).o~ P~ge~3of~5 Form 305:1 1/01
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this
Security Instrument and in any Rider executed by Borrower and recorded with it.
Witnesses:
Loren E Youn~ -Borrower
(Seal) (Seal)
-Borrower -Borrower
(Seal) (Seal)
-Borrower -Borrower
(Seal) (Seal)
· Borrower -Borro~ver
B BAQ - 10 0
I~,?A(WY)(oo05).01 Paoe~,4of15 Form 3051 1/01
910
STATE OF WYOMING, Lincoln County ss:
The foregoing instrument was act~o,,vledged before me this 4th day of January, 2002
by
Loren E Youn~ and Kristine ¥oun~
MY C°mmissi°n Expires: February 2' 2002Notary(x~PublicI~ ~ fI~~~x~-- ~-~ - / ~
-6A(WY) (ooo5).ol Pa~e ~5 of ~s orm 3051: 1101