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HomeMy WebLinkAbout900359AfterRecording Remm To: COUNTRYWIDE HOME LOANS INC. MS SV-79 DOCUMENT PROCESSING P.O.Box 10423 Van Nuys, CA 91410-0423 Pr~ared By: SHEILA POUNDS ? 0 0 3 $ 9 RECEIVED · LIr'4COL?,! ('c'II"TY 0 " .... , ~'.,' .,LERK ' E_"., i'. '.. [Space Above This Line For Recording Data] FAl1829OM [Escrow/Closing 0006339416606004 [Doc ID ~) MORTGAGE ! MIN 1000157-~003728760-0 DEFINITIONS Words used in multiple sections )f this document are defined below and other wcrds are defined in Sections 3, 11, 13, 18, 20 and 21. Certain roles regarding the usage of words used m this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated ,JUNE 13, with all Riders to this document. (B) "Borrower" is ELRAY CORSI, AND PATRI2IA M CORSI, HUSBAND AND WIFE 2 0 0 4 , together Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electrouic Registration Systems, Inc. MERS is a sepa,:ate 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 laws of Delaware, taxi has an address and telet)hone nnmber of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS (D) "Lender" is COUNTRYWIDE HOME LOANS~ INC. Lender is a CORPORATION organized and existing under the laws of NEW YORK Lender's address is 4500 Park Granada, Calabasas, CA 91302-1613 (E) "Nole" means the promissory note signed by Borrower and dated JUNE 18, 2004 . The Note states that Borrower owes I.ender EIGHTY THOUSAND and 00/100 Dollars(U.S. $ 80,000.00 ) plus interest. Borrower has promised .to pay this debt in regular Periodic Payments and to pay the debt in full not later than JULY 01, 2034 , CF) "Property" means the property that is described below under the beading, "Transfer of Rights in the Properly." Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS WYOMING-Single Family-Fannie ~ Page 1 of 11 (~®-6A(WY) CHL (08/Off (d) VMP MORTGAGE FORMS (0005) (800)521-7~01 CONV/VA inilials:Y~:¢~ .~. j~ .~, Form 30511/01 *23991* * 063394 16 000002006A* , ::: , ::7 ' ' ': DOC ID #: 0006339416606004 (Gl "Loan" means the debt evicenced by the Note, plus interest, any prepaymenl charges anti late charges due under the Note, and all suins t!r~e under this Security Instmmeut, phis iuterest. (H) "Riders" means all Riders ;c this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: [---] Adjustable Rate Rider [--] Condominium Rider [--] Second Home Rider [--] Balloon Rider [-'-] Planned Unit Development Rider ~] 1-4 Family Rider ~-] VA Rider ['--] Biweekly Payment Rider ~] Other(s) [specify] (I) "Applicable Law" means alt controlling applicable federal, state and local statutes, regulations, ordinances ,qnd administrative rule.; and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (J) "Com~nunity Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on B orrc wet or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Fnnds TransferS' means any transfer of fuuds, other than a transaction originated by check, draft, or similar paper instmmen|,iwhich is initiated through an electronic terminal, telephonic instrument, computer, or ~nagnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by .telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those hems that are described in Section 3. (M) liscellaneous Proceeds" me:ans 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: (il damage to, or destruction of, the Property; (ii) condemnation or other takiug of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissmns as to, the value and/or condition of the Property (N) "Mortgage Insurance" memos insurance protecting Lender against the nonpayment of, or default on, the Loan. (O) "Periodic Payment" means d~e regularly scheduled amount due for (il principal and interest under the Note, plus (ii) any amounts under 3ection 3 of this Security Insu'ume, t. (P) "RESPA" means the Real Estate Settlemeiu Procedures Act [1'2 U.S.C Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" reft:rs 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. (Q) "Successor in Interest ol'BmTower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security luslnnnent. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures o Lender: (il the repaymem of die Loan, aud all renewals, extensions and modifications of the Note; mid (ii') the performance of Borrower's covenants and agreements under this Security Instrument and the Note 'For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for LendSr and Lender's successors and assigns) and to the successors and assigns of MERS, with power of sale, the fo!lowing described property located in the COUNTY of LINCOLN · [Type of Recording Jurisdicti:m] [Name of Recording Jurisdiction] PART OF LOT 4 OF BLOCK 28 OF THE AFTON TOWNSI.TE, LINCOLN COUNTY, WYOMING, DESCRIBED AS FOLLOWS: BEGINNING AT'A POINT WHICH IS 13-1/3 RODS WEST FROM THE SOUTHEAST CORNER OF SAID LOT 4 AND RUNNING THENCE NORTH 165 FEET; THENCE WEST 108 FEET; TItENCE SOUTH 165 FEET; 'THENCE EAST 108 FEET TO THE POINT OF BEGINNING. parcel IDNumber: 12321831.2 3023 155 E Wyoming 8 3110 [Zip Code] ("Prope, ty Address ) 6TH ST, lSsreet/Cityl AFTON which currently has the address of (~®-6A(WY) (0005) CHL (08/00) Page 2 of 11 ?/~ ~..Form 3051 1/01 , ; DOC ID #: 0006339416606004 TOGETHER WITH all the improvements now or hereafter erected on the proper[y, mid '/d] easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrnn:ent. All of the foregoing is referred to in this Seem'try Instrument as the "Property." Borrower understandt~ ired agrees that MERS holds ouly legal title to the interests granted by Borrower in this Security Instrum:nt, but, if necessary i0 comply with law or custom, MERS (as nominee for Lender and Lender's successors a'3dl assigns) has the right: to exercise ~my or all of those interests, including, but not limited to, the right to fi~reclose and sell the Property; aud to take any action required of Lender including, but not limited to, releasing and canceling this Security Instmn~ent. BORROWER COVENANT.; [hat Borrower is lawfully seised of tile estate hereby conveyed m~d has the right to mortgage, grant and c0n?ey the Property and that the ProPerty is unencumbered, except for encmnbrances of record. Borrow.:r!.warrauts and will defend geuarally the title to the Property against all claims and detnands, subject to any encumbrances of record. THiS SECURITY INSTR[IMENT combines uniform covenants for national use and non-uniform covenants with limited vadation,,i by jurisdiction to constitute a u,fifonn security instrument covering real property. UNIFORM cOVENANTS. Bcrrower ,and Lender covenant and agree as follows: l. Payment of Principal, h~.terest, Escrow Items, Prepaymeut Charges, and Late Charges. Borrower shall pay when due the principa', c:f and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Bon'ower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under~tiie Note and this Security Iusmm~ent shall be made in U.S. ~urrency. However, if any check or other ins~tmment received by Leuder as l)ayment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due nnder the Note and this Security Instn~r~eat be made in one or more of the ft)llowing forms, as selected by Lender: (a) cash; (b) money order; (c) certil;ied check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an ms~ritntion whose deposits are insured by a federal agency, instrumentality, or entity: or (d) Electronic Funds Tr~'in)fer. 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 the Loan current. Lender may acce[,t m~y payment or partial paymeut insufficient to bring the Loan current, without waiver of aily rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to al)ply such payments at the time such payinents are accepted. If each Periodic Payment is applied as 6f its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such un3pplied funds until Borrower makes payment to bring tile Loan curreut. If Borrower does not do so within :a reasonable period of time, Lender shall either apply such l:unds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balauce tinder the Note immediately prior to foreclosure. No offset or chtim which Borrower might have now or in tile furore against Lender shall relieve Butte wer from making payments dt~e under the Note and this Security Instrument or performing the covenants and rgr%ements secured by this Security lusu'ument. 2. Application of Payments or Proceeds; Except as otherwise described in this Section 2, all paymeuts accePted and applied by Lender slmll be applied in the following o,'der of priority: (a) iuterest due under the Note; (b) principal due under the,Note; (c)amounts due under Section 3. Such payments shall be applied to each Periodic Payment itl the 0rd,e(in which it became due. Any remaining .'unounts shall be apl)lied first to late charges, second to any other ~mounts due under this Security Instrument, and then to reduce the principal balance of the Note· If Lender receives a paymen:'t from BorroWer fol' a delinquent Periodic Payment which incl.ndes a sufficient amount to pay tu~y late:cliarge due, the payment may be applied to tile delinquent payment and the late charge. If more than one Perioc;ic Pay~nent is outsttmding, Lender may apply any payment received from Bon'ower to the repayment of thc Periodic Payments if, trod to tile extent that, each payment can be paid itl full. To the extent that any exc&s~exmts after the payment is applied to the full payment of one or more Periodic Paynients, such excess m~y be applied io any late chm'ges due. Vohmtary prepayments shall be applied first to any prepayment cl'.arges and theu as described in the Note. Any application of payments, insurance proceeds, or Miscellaueous Proceeds to principal due under the Note shall not extend or postpone the due date, or chauge tile amount, of the Periodic Paylnents. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in lull, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes mid assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or grouud rents on tile Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premimns, if any, or any sums payable by Borrower' to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions ol.' Sectiou 10. These items are called "Escrow Items." At originatiou or at any time during the term of the L.mn, Lender may require that Co,nmuuity Association Dues, Fees, and Assessments, if any, be escrowed' b7 Bon'ower, and such dues, fees aud assessments shall be an Escrow Item. Borrower shall promptly furnish [;) 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 Funds for any B ' or all Escrow Items. Lender may v, aive orrowers obligation to pay to Lender Funds for any or all Escrow DOC ID #: 0006339416606004 Items at any time. Arty such waNer may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable,i the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if L6nder requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes 5e deemed to be a covenant aud agreement contained in this Security Instrument, as the phrase "covenam and agreement" is used in Section 9. If Bo,'rower is obligated to pay Escrow Items directly, pursuant ~o: a waiver, and Borrower fails to pay the anlount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may ,'evoke the waiver as to auy or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Bon'ower shall pay to Lender all Funds, and in s~.'c!!l mnounts, that are then required under this Section 3. Lender may, at any time, coS&~ct and hold Funds in an amonnt (a) sufficient to permit Lender to apply the Funds at the time specified unde'~' RESPA, and Co) not to exceed the maximum amount a lender can require under RESPA. Lender shall estim?tte the amount of Funds due on the basis of current data and reasonable estimates of expenditures of futnr~ !Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in anSnstitution whose deposits are insm'ed by a federal agency, instrumentality, or entity (irtcluding Lender, if Lender is an institution whose deposits a,'e so insured) or in any Federal Home Loan Bank. Lender shall apply J{e Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not ch,'u'ge Bbrrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow hems, unless Lender pays Borrower interest on the Ftmds and Applicable Law permits Lender to make slicla a charge. Unless ail agreement is made in writing or Applicable Law requires interest to be paid on the l%nds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Len'fler can agree in writing, however, that interest shall be p,'fid on the Funds. Lender shall give to Borrower, without chm'ge, an annual accounting of the Funds as required bY RESPA. If there is a sm-plus of Fund~: !told in escrow, as defined under RESPA, Lender shall account to Borrower for the excess fi~nds in accordan :6 with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall not[Si Borrower as required by RESPA, and Bon'ower shall pay to Lender the amount necessary to make up flt~ shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Fuuds held in escrow, as defined under RESPA, Lender shall notify Borrower as'required by RESP_~, iand Borrower shall pay to Lender the amonut necessary to make up the deficiency in accordance with RESPA, but in no mo,'e than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Fnnds held by Lender. 4. Charges; Lieus. Borrower shall pay all taxes, assessments, clmrges, fines, and inipositions attributable to tile Property whicb can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the exteut that these items are Escrow ItemS, Borrower shall pay them in the manner provided iu Section 3. Borrower sball promptly d.:scharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing tc the payment of the obligation secu,:ed by the lien in a manner acceptable to Leuder, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of tl: e. lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while thos~ proceedings m'e pending, but only until such proceedings m'e coucluded; or (c) secures from the holder of the lien an agreement satisfactocy to Lender subordinating the lien to this Security Inst,'ument. If Lender di~termines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a nolice identifying the lien. Within 10 days of ,be 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 Borrowe;i~: to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connecSon with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by £re, hazards included within lhe term "extended coverage," and any other hazards including, but not limited to, em'thquakes and floods, for which Lender requires insurance. This insurance shall be maintained in" the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires guisuant to the preceding sentences cau change during the term of the Loan. The insurance carrier providing ,:he insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised nnreasonably. Lender may require Borrower to pay, in connection with this Loi!n, either: (a) a one-time charge for flood zone detemmlation, certification and tracking serv'ices; or (b) a one-time ch~ge for flood zone determination and certification services and subsequent charges each time r'zmappings or similar changes occur which' reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Bcrrower. If Borrower fails to maint~h~ any of the coverages described above. Lender may obtain insu,'ance coverage, at Lender's option and BBrroweFs expense. Lender is under no obligation to purchase any particulm' type or amount of coverage. Th:~iefore, 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 DOC ID #: 0006339~11660600~1 or liability and might provide greater or lesser coverage than was previously in effect. Bon'ower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Afy ,'unounts disbursed by Lender nnder this Section 5 shall become additional debt of Bon'ower secured by this }ecnrity Instrument. These amounts shall hear iuterest at the Note rate from the date of disbursement ,and sh';d! be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender mid renew',ds of such policies shall be subject to Lender's right to disapprove such policies, shfdl ?.mlude a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold die policies and renewal certificates. If Lender requires, Borrower shall p..omptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of ihgurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such! plolicy shrill include a standard mortgage chmse and shall name Lender as mortgagee and/or as an additional'lc, ss payee. In the event of loss, Borrower!shall give prompt notice to the iusurance carrier and Lender. Lender may make proof of loss if [tot made'p~:omptly 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 df:.~the Property, if the restoration or repair is ecouomically feasible and Lender's security is not lessened. Dt:~ring such repair and restoratiou period, Lender shall have the right to hold such insurance proceeds until Ler'd,:r has had an opportunity to inspect st,ch Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be nudertaken promptly. Lender may disburse proceeds for the rep'.,airs and restoration in a single payment or in a series of progress payments as the work is completed. Unless a'a 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 auy interest or earuings on such proceeds. Fees for public adjulsters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds mid shall .be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's, Security would be lesseued, the insurance proceeds shall be applied to the sums secured by this Security Ins:mment, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abm~dons the P['0perty, Lender may file, negotiate ;uul settle any available insurance claim and related matters. If Borrower do'ss not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim!, then Lender may uegotiate and settle the claim. The 30-day period will begin when the notice is given. In either event, or if Lender acquires the Property uuder Section 22 or otherwise, Borrower hereby assigm 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 Insu'unmnt, and (b) auy other of Borrower's rights (other than the right to any 'e.'und of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as .such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to r<:p:lir, or restore tile 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 Property as Borrower's imncipal residence within 60 days ,~ter the execution of this Security Instrnment and shall continue to occupy the Property as Borrower's princip:fl residence for'at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent siiatl not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's conl ro*l. 7. Preservation, Maintenance and Protection of the Pruperty; Inspections. Borrower shall not destroy, danmge or impair the Pr)terry, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residiu/~ in the ProPerty, Borrower shall maintain tim Property in order to prevent the Property from deteriorating or dkcreasing in vtdue due to its condition. Unless it is detemfined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damagel If insurance or condemuatiou proceeds are paid in COlmectiou with damage to, or the~ taking of, the Property, Borrower shall be respousible for repairing or restOring the Property only if Leu'der has released proceeds for such pm-poses. Leuder may disburse proceeds for the repairs and restoration in :a single payment or in a series of progress payments as the work is completed: If the insurance or clmdemnation proceeds are uot sufficient to repair or restore the Property, Borrower is not relieved of Borr0w<r's obligation for the completion of such repair 0r restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Bon'ower notice at the time of or priDr to such an interior inspection specifying such reasonable cause. 8, Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or enti'.ie's actiug 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 infc creation) in connection with the Loan. Material representations include, but are not limited to, representation:: concerning Borrower's occupancy of the Property as Borrower's principal residence. I~®-6A(WY) (ooo5) CHL (08/00) Page 5 of 11 _/?~.Q....Form 3051 1/01 osooass 5.5 0 DOC ID #: 000'6339z11660600~1 9. Protection of Lender's Ir~ttlrest in the Property and Rigbls Under this Security Iustrument. If (a) Borrower fails to perform the coVer~ants and agreements contained in this Security Instrumeut, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a ,proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which mlay,,attain priority over this Secm'ity Instrnment Or to enforce laws or regulations), or (c) Borrower ha,,. r, bandoued the Property, then Lender may do and pay for whatever is reasonable or appropriate to prote;::t Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assess;lng the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but ~e not limited to: (a) paying any sums secured by a lien which has priority over this Security instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or r.ghts under this Security Instrument, iucluding its secured position in a bankruptcy proceeding. Securing !the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or go.~d up doors and windows, drain water from pipes, eliminate building or other code violations or dangerou;; eruditions, and have utilities Itu-ned on or off. Although Lender may take action under this Section 9, Lender [loes not have to do so and is not nnder any duty or obligation to do so. It is agreed that Lender incurs no liabil'ity for not taking any or all actious authorized under this Section 9. Any amounts disbursed by Li~dder under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These ~mounts shall be,re' interest al Ire Note rate fi'om tile date of disbursement and shall be payable, with such intact'est, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of tile lease. If BorrOwer acquires fee title to ihti Property, the leasehold and the fee title shall uot merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. Il; Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums :equired to maintain the Mortgage Insurance in effect. If, for any reason, tile Mortgage lnsm:ance coverage r%luired by Lender ceases to be available fi'om the mortgage insurer that previously provided such insura/,ce and Borrower was required to make separately designated payments toward the premiums for Mortgage 'Insurance, BorrOwer shall pay the premiums required to obtain coverage substantially equivalent to the Ma?t~;age Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of tile Mortgage: I0surance previously iii effect, from an alternate mortgage insurer selected by Lender. If substantially equivale~lt 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 ceased to be in effect. Lender will accept, use and retain these payments as a non-refnndable loss reserve in lieu of Mortgage Insurance. Such'!gss reserve shall be non-refundable, notwithstanding the fact dmt the Loan is ultimately paid in full, and Lex;ddt shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longe~ require loss reserve payments il' Mortgage Iusurance coverage (in the amount and for the period that Lender requires) provided by an insu,'er selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mort:gage Insurance as a condition of making the Loan and Borrower was required to make separately desi~nated payments toward the premiums for Mortgage, Insurance, Bon:ower shall pay the premiums required t9 linaintain Mortgage Insurance in effect, or to provide,a non-refundable loss reserve, until Lender'S requirement for Mortgage Insurance ends in accordance with rely written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 al:fects Borrower's obligation to pay interest at the rate provided in tile Note. Mortgage Insurance reimburses Lender (or any entity that purchases tile Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is uot a party to the Mortgage Insurance. Mortgage insm:ers evaluate [3eir total risk on all such insurauce iu lbrce fi'om time to time, and may enter into agreemeuts with other parties that share or modify their risk, or reduce losses. These agreements are on terms and couditions that are satis[actory to the mortgage insurer and the other party (or parties) to these agreements. These agreements m~.y ',require the mortgage insurer to make payments using any source of fimds that the mortgage iusurer may ht~ve available (which may include l\mds obtained from Mortgage Insurance premiums). :, AS a result of these agreem~nfs, Lender, any purchaser of the Note, another insurer, any reinsurer, auy other entity, or any affiliate of any of the foregoing, may receive (direcdy or iudirectly) amounts that derive from (or might be characlerized ti,:) :~ portion of Borrower's payments for Mortgage Insurance, iii exchange for sharing or modifying the mortg,'gc insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the iusurer's risk in exchange k)r a shm'e of the premiums paid to the iusurer, the arrangement is often t~i:nned "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower bas agreed to pay I'or Mnrtgage Insurance, or any other terms o ~ the Loan. Such agreements will not increase the ammmt Borrower will owe for Mortgage lusurance, ami they will not entitle Borrower tn any rerund. (~)®-6A(WY) (ooo5) CHL (08/00) Page 6 of 11 DOC ID #: 0006339416606004 (b) Any Such agreemenls v)il!l not affect [he righ~ Borrower has - if any - with respect t° the Mortgage Insurance under the I-{omeowners, Protection Acl of 1998 or any o/her law. These rights may include the right to receive certain disclosures, to request and oblain cancellation ol' the Mortgage Imurauce, to have the Mortgage Insurance terminated aulomalieally, anWor to receive a rel'nnd of any Mortgage Insurance premiums tha ~ were unearned at the ti~ne or such cancellation or termination. 11. Assignment of Miscell:meous Proceeds; Forfeiture. All Miscelhmeous Proceeds ~e hereby assigned to and shall be p~d to LcDdcr. If the Property is damaged, such Miscelhmeous Proceeds shall be apl)lied to restoration or repair of tl~e Property, if the restoration or repair i~ economicflly feasible and Lender's security is nm lessened. During such repair and restoration period, Lender ~h~fll have the right to bold such Miscellaneous Proceeds until Lender has had an opportuni~ to inspect suck Froperty to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall, b6 undertaken promptly. Lender may pay for. the repairs and restoration in a single disbursement or in a series 0f progress paymeuis as tt~e work is completed. Unless an agreement is made in wridng or Applicable Law r~quircs interest ~o be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower ar3y interest or earniugs on such Miscellaneous Proceeds. If thc resioratiou or repair is not economically feasible' or Lender's sec'uriw would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by.this Secufi~ instrument, whedmr or not then due, with the excess, if any, paid to Borrower. Such'.Miscellane'Ju~ Proceeds shall be applied in the order provided for in Section 2. In the event of a tmal taking,~ cestruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied ~o the sums secured.by this Security instrument, whether or not then due, with the excess, if any, p;fid to Borrower. ' In the event of a pm'rial taking3, (~lestmction, or loss in value of lt~e Property in which the fair market value of the Property immediately before the partial t~ing, desH'uction, or loss in value is equal to or greamr ~han the ~ount of the sums secured b~ tl~is Security Instrument immediately before the p~tial t~ing, des~ucdon, or loss in value, unless Borrowm'~afid Lender otherwise agree in writing, tl~e sums secured by this Security ]usmnnent shill be reduced by thc :amouut of thc Miscellaneous Proceeds multiplied by the following fraction: (a) thc total amount of the sums secured immediately before thc p~mial raking, destruction, or loss in value divided by ~) the ffir m~ket vflue 0f the Property immediately before thc partial raking, destruction, or loss in value. Any balance shall be p~d tc Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which d~e f~r mm'ket value of the Property immediately before me pmtial taking, destruction, or loss in value is less thau the amount of the sums secured immediately before the partial taking, desm~ction, or loss in value, unless Borrower and Lender otherwise agree in writing~ the Miscell~eous Proceeds shall be al)plied lo the sums secured by this SecuriW Instrument whether or not, the sums are then due. If the Property is abandoned.b~:~ Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next semence:) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds eitheF K) restoration or repair of the Proper~y or to fl~e sums secured by this Securiff Insmunent, whether or nvt.then due. "Opposing Party" means the third pm'ty that owes Borrower Miscellm~eous Proceeds or the p~y against whom Bon'ower has a dght of action in regmd to Miscellaneous Pioceeds. Borrower shall be in default it' ~y action or proceeding, whether civil or crimin~, is begun that, in Lender's judgment, could resnlt in'forfeiture of the Property or other mamdal impairment of Leuder's iuterest in the Property or rights under thii, S~cufity Instrument. Borrower call cure such a default and, if acceleration has occurred, reinstate as providef~ iH. Section 19, by causing the action or proceeding to be dismissed with a ruling flint, in Lender's jndgment, prebludes forfeiture of the Property or other materi~fl impairment of Lender's interest in the Proper~ or rights ~mder this Security instrument. The proceeds of any award or claim damages that are attributable ~o tt~e ~mpairment of Lender's interest m d~e Proper~ ~e hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds lhal: ,~e not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2.' 12. Borrower Not Released; ~Forbearance By Lender Not a Waiver. Extension of the dine for payment or modification of amorti~atlon of the sums secured by this Security Instrument granted by Lender to Bon'ower o~ any Successor in Inter,si of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Bmxowsr. Lender sh~l not be required to commence proceedings against any Successor in Interest of Borrower or ~o refuse to extend time for payment or otherwise modify mortization of the sums secured by this Security ~ins~ument by reason of any demaHd made by the original Borrower or any Successors in Interest of Borrowm'. Any forbearance by Lender in exercisiug any right or remedy including, without limitation, Lender's accep'm~ ce of payments from third persons, entities or Successors in Interest of Borrower or in amounts !ess than tae amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several LiabDity; Co-signers; Successors aud Assigns Bound. Borrower covenants and agrees that Borrower's obligations ired liability shall be joint and several. However, any Bon'ower who co-signs this Security Instrument t ut does not execme the Note (a "co-signer"): (a) is co-signing this Securi~ ~®-6A(WY) (0005) CHL (08/00) Page 7 of 11 Initial "~o ~.J~-,Form 3051 1,01 DOC ID #: 000(;339416606004 Instrument only to mortgage, gran:~ and convey the co-signer's interest in the Property under the terms of flits Securi~ Ins~ument; (b) is not perscnally obligated to pay the sums secured by this Security Insu'ument; and (c) agrees that Lender and any} Other Borrower can agree to exlend, modify, forbear or make any accommodations with regard to tfl~;: ternls of this Security Instrument or the Note without the co-signer's Subject to the provisions of Section 18, ~y Successor in Interest of Borrower Who assmnes Borrower's obligations under this Security Inst~n'ment in writing, and is approved by Lender, shall obtain' all of Borrower's rights and benefits under this SecmS':y Instrument. Bo~ower shall not be released from Borrower's obligations and liability under Iris Secu.ri~ In~n ument unless Lender agrees to such release in writing. The covenants and agreements of this Security ins~ument sh~l bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender ~my ch~ge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property aud rights nnder this Security Instrument, including, bu~ :qot limited to, attorneys' fees, property inspection and valuation l~es. In regard to any other fees, the absence:of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as. prohibition on the charging of such fee. Lender maY not charge fees that are expressly prohibited by this Secu¥itY Insu'umeut or by Applicable Law. If the Loau is subject to a lax?'which sets maximum lo~m chm'ges, and that law is fluidly inlerpreted so that the interest or other loan charges, collected or to be collected in com~ection with the Loan exceed the pennitted limits, then: (a)'any sucli loan chm'ge shall be reduced by the amonut necessm'y to reduce the chm'ge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender miry choose to make this re,nd by reducing the priucipal owed under the Note or by making a direct paymer~t ~to Borrower. If a refund reduces principal, the reduction will be treated as a pm'rial prepayment without any'pi'epayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of ~y such red,nd made by direct paymeut [o Borrower will constitute a w~ver of any right of i, cfion Borrower might have ~ising out of such overcharge. 15. Notices. All notices give~) by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borr6wer in connection with this Security Iustrument shall be deemed to have been given to Borrower when miff;ed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Nodce to any one Borrower shall constituie notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substi ute notice address by notice to Lender. Borrower shall promptly noti~ Lender of Borrower's change of adcress. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only ~ceport a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any oue time. Any notice to Lender shall be given by delivering it or by mai~ing it by first class mail to Lender's address stated herein unless Lender has designated another address by no:kc to Borrower. Any notice in counection with this Securiw Instrument shall not be deemed to have been gi,'~en to Lender nntil actually received by Lender. If any notice required by this Security Ins~ument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement undgr, this Security Ins~'ument. 16. Governing Law; Severabihty; Rules of Construction. This Security Instrument shill be governed by federal law and the law of th4: )urisdiction in which the Property is located. All fights and obligations contained in this Security Instrument m'e subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly dr ~mplicitly fllow the pm'ties to agree by contract or it might be silent, but such silence shall not be constm(:'d: as a prohibition aghast agreement by congact. In the event that any provision or clause of this SecnriB? ]~nstrumeut or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this [¢ecurity Instrument or the Note which can be given effect without the conflicting provision. As used in this Security h',s~ha~ment: (a) words of the masculine gender shall mean and include cogesponding neuter words or wo~di of the feminine gender; (b) words in the singular shall mean and include the plural aud vice versa; ~d (c) the word "may" gives sole discretiou without any obligation to take action. 17. Borrower's Copy, Borro'~v~r shall be given one copy of the Note and of this SecUrity Instrument. 18. Trausl'er of the Property or a Benel~cial Inter~t in Borrower. As Used in this Section 18, "Interest in the Property" means any legal or benefici~ interest in the Property, including, but not limited to, those beneficifl interests transferre~ in a bond for deed, contract for deed, installment sales couU'act or escrow agreement, the intent of which is tke ~ansfer of title by Borrower at a furore date to a purchaser. If all or any pm't of the Prope~,~ or any Interest in the Properff is sold or transfe~xed (or if Borrower is not a naturtfl person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require imn~e~iate payment in full of all sums secured by dfis Security Instrument. However, this option shall not be erercised bY Lender if such exercise is prohibited by Applicable Law. If Lender exercises this optiofi, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less thm~ '30 days fi'om the date the notice is given in accordance with Section 15 within which Borrower must pay all~ sums secured by this Security h~strumeut. If Borrower fails to pay these sums prior to the expiration of thi,; period, Lender may invoke any remedies pe~itted by this Security Instrument without flmher uotice or demaml on Borrower. DOC ID #: 000633941660.6004 19. Borrower's Right to R,'.~i~]state After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enfgrcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law nfight specify for the termination of Borrower's right to reinstate; or (c) entry of a judgmen'it enforcing this Secuhty !nstmmeut Those conditions are dmt Borrower: (a) pays Lender all sums which' tt~en would be due under this Security Instmn~ent and the Note as if no acceleration had occurred; (b) cures ,any default of any other coveuants or agreements; (c) pays all expenses incurred in enforcing this Secu.:it~ Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuatio(, fees, and other fees iucnrred fo,' the purpose of protecting Lender's interest in the Property and rights under drip< Security Instrument; and (d) takes such action as Leuder nmy reasonably require to assure that Lender's 'interest iii the Property and fights nnder this Security Instrument, and Borrower's obligation to pay the su?~!ns secured by dfis Security Instnm~ent, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check ts drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d):Elsctronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secu:ed hereby shall remain fully efl~ctive as if no acceleration had occurred. However, this right to reinstate si ~d] not apply in the case of acceleration nnder Section 18. 20. Sale of Note; Change 0f Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security In:strument) can be sold one or more ti,nes 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 SecuS(/Instrument and performs other mortgage loan servicing obligations nnder the Note, this Security Instrument, ~;md Applicable Law. There also might be one or ,here changes of the Loan Servicer unrelated to a sale of the:Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change whi:h will state the name and address of the new Loan Servicer, the address to which payments should be mad~ aad any other information RESPA requi,'es in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgagf loan servicing obligations to Borrower will remain with the Loan Servicer or be tnmsferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. · Neither Borrower nor Lem'le~) may commence, join, or be joined to any judicial action (as either an individual litigant or the membe~ o!! a class) that arises fi'om the other party's actions pursuant to this Security Instrument or that 'alleges that th-~ Other party has breached any provision of, or any duty owed by reasou et', this Security Instrument, until sui~'h ~Borrower or Lender has notified the other party (with such notice given in compliance with the requirement, s of Section 15) of such alleged breach and allorded the other pm'ty hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which nmst elapse before ~ertain action can be taken, that time period will be deemed to be reasouable for purposes of this paragraph. The: notice of acceleration and opportunity to cure given to Bon'ower pnrsuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice mid opportunit~,i' to take corrective action provisions of this Section 20. 21. Hazardous Substances. ;.s used iu this Section 21: (a) "l[azardous Substances" are those substances defined as toxic or hazardous s~bstances, pollutants, or wastes by Environmental Law and the following substances: gasolinel kerosene, o~th,i3r flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials comaining asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means fed;ml laws and laws of the jurisdiction where the Property is located that relate to health, safety o'r environmen,ml; protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal actign,I, as defined in Environmental Law; aud (d) an "Enviromnental Condition" means a condition that can cause: cgntribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not caus.e or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release ahy Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a conditiOn tFat adversely affects the value of the Property. The preceding two sentences shall not apply to the pres'ence, .:.~se., or slorage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to nor,ual residential uses and to maintenance of the Property (including, but not limited to, ha~ ardous substances in consumer pn)ducts). Borrower shall promptly give, Lender written notice of (a) an'y investigation, claim, demand, lawsuit or other action by any governmenta.! or regulatory agency or private party iuvolving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threal of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value Of the Property. 'It' Borrower learns, o,' is notified by any governmental or regulatory authority, or any priwiteI pm'W, that any removal or other re,nediation of any Hazardous Substance affecting the Property is necessmy, Borrower shall promptly take all necessm-y remedial actions in accordance with Environmental Law. Nothin'g herein shall create any obligation on Lender for an Environmental Cleauup. (~®-6A(WY) (0oos) CHL (08/00)~ Page 9 of 11 Initial~ 5 J. 4 DOC ID #: 0006339416606004 NON-UNIFORM COVENANTS. Borrower ~md Lender fltdher covenant and agree as follows: 22. Acceleration; Remedies Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrnment (but no~ prior to acceleration under Section 18 unless Applicable Law provides otherwise). Tbe notice shall specify: (al the default; (b) the action requin:d to cure the dehmlt; (c) a date, not less than 30 days l'rou~ the date the notice is given to Borrower, by ~vlfich the default most be cured; and (d) that failure to cure rite default on or before the date specified "ir. the notice may result iii acceleration of the sums secured by this Security Instrument and sale of tile Property. The notice shall furlher inform Borrower of file right to reinstate al'let acceleration and the right to bring a court aclion lo assert the non-existence of a default or any other defense of Borrower to accderation and sale. If the default is m)t cured on or heft}re the date specified in the notice, Le~der '4t ils option may require immediate payment in full of all sums , secured by this Security Instrument without fl~rther demand and may invoke ihe power of sale and any other relnedies permitled by Apf,licahle Law. Lender shall I)e entitled to collect all expenses incurred in pursuing tbe remedies provided i, this Section 22, including, hut not li~niled to, reasonable attorneys' fees and costs of title evidence. ., ~ ff Lender invokes rite power,' of sale, Lender shall give notice of intent to foreclose to Borrower and to tbe person in possession of the Property, il' different, in accordance with Applicable Law. Lender shall give notice of the sale to B0e~ower in rite manner provided in Section 15. Lender shall publish the notice of sale, and the Property s~l(,ll be sold in the manner prescribed by Applicable Law. Lender or its designee ~nay purcbnse tbe PrOperty nt any sale. The proceeds of rite sale shall be applied in the following order: (al to all expem'es of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all stuns secured by this Seclnrity Instrument; and (el any excess Io tbe person or persons legally entitled to it.~ 23. Release. Upou payment oi~ all sums secured by riffs Security Instrument, Lender shall release this Security Instnunent. Borrower shall pay mYy recordation costs. Lender may charge Bon'ower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the chm'ging of the fee is permitted under Applicable Law. 24. Waivers, Borrower rele~.ses and waives all fights nnder :md by virtue of the homestead exemption laws of Wyoming. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument ,'md in any Rider executed by Borrower and recorded with a. Wi tnesses: PATRICIA M. CORSI (Seal) (Seal) -Borrower (Seal) -Borrowez (Seal) -Borrowe[ (~®-6A(WY) (ooos) CHL (08/00) Page 10 o! 11 Form 3051 1/01 .U DOC ID #: 0006339416606004 STATE OF WYOMING, Cotmty ss.'~-~.z.~.~. foregoing instalment wa:; ~cknowledged before me this / f J~.~ ~ ,~¢0,9/ Tile by Elray Corsi arid' Pat;r±cia FI. Corsi, husband and wife ~®-6A(WY] (0005) CHL (08/00) Page 11 of 11 initials.~"'-~---~ ~ ,/~.0_... Form 3051 1/01