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HomeMy WebLinkAbout900876Return To: WELLS FARGO HOME MORTGAGE 3601 MINNESOTA DR. SUITE 200 BLOOMINGTON, MAI 55435 9008'16 !~ E~'~ urD LINC,',! ~ ,",c, ,,-y . ,'~ ,,',? JP, CLERK Cji,, I1!! -3 P", 3: Sg Prepared By: COMMUNITY FIRST MORTGAGE, LLC BOOK 808 3RD AVE SOUTH,, FARGO, ND 581030000 [Space Above This Line For Recording l)amJ MORTGAGE DEFINITIONS Words used in m(!3iple sections of this document are defined be.low and other words are detined in Sections 3, 11, 13;' 18, 20 and 21 Certain rules regarding file usage of words used in this docnmen[ are also provided in Section 16. (A) "Security Instrument"~means tiffs document, which is dated ,JULY 0 2, together with all Riders ~o this doc~imenL (B) "Borrower" is ROBERT J. GERGEN AND MARGARET A. GERGEN, 2004 HUSBAND AND WIFE Borrower is file mortgagor nndei- this Secm'ity Instruntent. (C) "Lender" is COMblUNITY. FIRST MORTGAGE, LLC Lender is a LIMITED LIABILITY COMPANY organized and existing under the laws of THE STATE OF DELAWARE 0044329456 WYOMING-Single Family-Fannie M~e/Freddie Mac UNIFORM INSTRUMENT Page 1 of 15 Initial VMP MORTGAGE Form 3051 1/01 Lender's address is P.o. BOX '10'304, DES MOINES, IA 503060304 Lender is the mortgagee under this Security Instrument. (D) "Note" meatts fl~e promissory note signed by Borrower and dated JULY 02, 2004 The Note states that Borrower owes Lendm SIXTY ¥IVE THOUSAND AND 00/100 Dollars (U.S. $ * * *** 65,000.00 ) phis interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later flmu AUGUST 01, 2 014 (E) "Property" means the property that is described below under thc heading "Transfer of Rights in the Property." (F) "Loan" menus the debt evidenced by tire Note, plus interest, any prepayment charges and late charges due under the Note, and all stuns due under fids Security Instrument, plus interest. (G) "Riders" means all Riders to this Security Instrument that arc executed by BesTower.' The Ibllowing Riders are to be executed by Borrower ]check box as applicable]: [~ Adjustable Rate Rider ~ Co!~domiuium Rider [~ Second Home Rider ['~ Balloon Rider [---'] Planned Uxfit Development Rider ~ 1-4 Family Rider ~ VA Rider ~-] Biweekly Payment Rider ~-~ Other(s) [specify] 0t) "Applicable Law" means :all controlling applicable federal, state and local statutes, regulations, ordinances and admi~fistrative ru!es and orders (that have the effect of law) as well as all applicable non-appealable judicial opinions. (1) "Co~nmunity Association Dues, Fees, anti Assessments" means all dues, lees, assessments and odmr charges that are imposed on Borrower or the Property by a condomiaimn association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer Of funds, oilier than a transaction origi~mted by check, draft, or similar paper instrmnent, which is initiated through an electro~fic ternfinal, telephonic iustrument, computer, or nmgnehc 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, imint-of-sale transfers, autonmted teller machine transactions, transfers ~iuitiated by telephone, wire transfers, and autonmted clearinghouse trausfers. (K) "Escrow Items" means rinse itmns that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other titan insur;mce proceeds paid under the coverages described in Sectiou 5) for: (i) darmtge to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of file Property;' (iii) conveyauce in liet~ o~ condennmtion; or (ix,) nfisrepresentations of, or omissions as to, file value and/or condition of the Property. (ND "Mortgage Insurance" means insurance protecting Lender agaiust the noupayment of, or default on, fl~e Loan. (N) "Periodic Payment" means lite regularly scheduled amount due for (i) priucipal and interest under the Note, plus (ii) any amounts nnder Section 3 of this Security Instrumcut. (O) "RESPA" meaus the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) alld its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended dom time tO time, or any additional or successor legislation or regulation that governs the same subject nmtter. As 'used in this SecUrity instrument, "RESPA" refers to all requirements aud restrictions dlat 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. (~-6(WY) looos) Initial$:/~ P~ 2 o~ ~ ,~-..J.,~" Form 3051 1/01 (P). "Successor in Interest of B~rr6wer" meaxts any party fllat has taken title to flxe Property, whefller or not that party has assumed Borro'~,er's obligations under fl~e Note and/or this Security Instrument. TRANSFER OF RiGHTS IN THE PROPERTY . This Security Instrument secures:to Lender: (i) the repayment of file Loan, and all renewals, extefisions and modifications of the Note; and (ii) the performance of Borrower's covenaots and agreements under tiffs Security Instrument and the Note. For dfis purpose, Borrower does hereby mortgage, gram and couvey to Lender and Lender's successors and assigns, with power of sale, file following described property located i',l die COUNTY of LINCOLN : [Type of Recording ,Iurisdictim~] [Name of Recording Iurisdictioq] LOT 6 OF BLOCK 8 OF LINCOLN HEIGHTS 4TH SUBDIVISION TO THE TOWN OF KEMMERER, LINCOLN cOuNTY, WYOMING AS DISCRIBED ON THE OFFICIAL PLAT THEREOF. TA.X STATEMENTS SHOULD BE SENT TO: WELLS FARGO HOME MORTGAGE, P.O.'BOX 10304, DES MOINES, IA 503060304 ParcelID Nunfl)er: 12 2116 1127 7TH WEST AVE KEMMERER ("Property Address"): . 23 2 05 063 xvhich currently has tile address of. lSu'cetl [cityl , Wyonfing 83101 [zip Code] TOGETHER WITH all the mlprovements now or hereafter erected ou the property, dud all easements, appurtenances, and ,'ixtures now or hereafter a part of tile property. All replacements dod additions shall also be covered'by tiffs Security Instrument. All of the Ibregoing is referred to in Security Instrument as fl~e "Prope. rty." BORROWER COVENANTS tllat Borrower is lawfully se]seal of tile estate hereby conveyed and has the right to mortgage, grant and coavey the Property and that the Property is unenc~,mbered, except encmnbrances of record. Borrdwer warnmts and will defend gener, ally file title to file Property against all claims and denmnds, subject to day encumbrances of record. THIS SECURITY INSTRUMENT combines uni/bnn covenants for national use and nou-unilbrm covmmnts wifl~ limited variation;; 'by jurisdiction to constitute a unil'orm security instrument covering real property. UNIFORM COVENANTS', Borrower and Lender covemnt and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the Principal of, and interest on, the debt evidenced by the Note and arty prepayment charges and late chakges due under file Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under file Note and dfis Security Instrument shall be made in U.S. currency. However, if any checl~ or other instrument received by Lender as payment nnder file Note or this (~-6(WY) Iooos) , P~j, 3 of lU .~.~' Form 3051 1/01 Security Instrument is re[re'ned to Lender unpaid, Lender may require that any or all stthsequent payments due trader the Note and this Secmity Instrmnent be made ill oue 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 sucho check is drawn upon an mstitutiou wllose deposits are iusured by a federal agency, instrumentality, or entity; or (d) Electrorfic Funds Trausfer. Paymeuts are deemed received by Lender when received at thc location designated in die Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lemler may return any payment or partial payment if fire payment m' partial payments are insufficient to bring file Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any ri'ghts hereunder or prejudice to its rights to refuse such payment or partial payments in file future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled doe date, then Leader need not pity interest on mmpplied funds. Lender nmy hold such mmpplied funds until Borrower makes payment to bring the Loan current. If Borrower does [tot do so wifllin a reasonable period of time, Lender shall either apply such funds or returu them to Borrower. If riot applied earlier, such funds will be applied to the outstandiug principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower nfight have now or in fl~e future agaiust Lender sllall relieve Borrower from nmking payments due under fl~e Note and this Security Instm nent or perl~brming file covemmts and agreements secured by this Security Ins [rtl nrent. 2. A.pplicatimi of Paymeats or Proceeds. Except as ofllerwise described in this Section 2, all payments accepted and applied by Lender shall be applied iu file tilllowing order of priority: (a) imerest due undel' the Note; (b) principal due under fl~e Note; (c) amounts due nnder Section 3. Such paymeuts shall be applied to each Periodic Payment in file order in which it became due. Any remaining anu)unts shall be applied first to late charges, second to any other amounts due under this Security Iustmmeut, and fl~en to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay ally late charge due, file payment may be applied to file delinquent payment aud file late charge. If more than one Periodic Payment is outstauding, Lender ntty apply any payment received fi'om Borrower to file 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 alter rte payment is applied to the full payment of one or more Periodic Payments, such excess nmy be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayme?ht charges aud then as described in tl~e Note. Any application of paymet'ts, insurance proceeds, or Miscellaneous Proceeds to principal due under file Note shall not extend or pos[poise file due date, or change file amount, of the Periodic Payments. 3, Funds for Escrow Items. . Borrower shall pay to Lender on the day Periodic Payments are due under fl~e Note, until file Note i:; p;:Jd in full, a sum (file "Funds") to provide for payment of amounts due for: (a) taxes and assess~nents and pther items which can attain priority over this Security Instrument as a lien or encumbrance on file Property; (b) leasehold payments or gte[md rents on the Property, if any; (c) premiums fu'r any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable 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 origi~mtion or at auy ti:ne during the term of the Loao, Lender nmy require that Commmfity Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of attiotmts to be paid under riffs Section. Borrower shall pay Lender the Funds fi~r Escrow Items unless Lender waives Borrower's obligation to pay the Fuuds for any or all Escrow Items. Lender may waive Borrower's obligation tO pay to Lender Ftn.ds.fi}r any or all Escrow Items at any time. Any such waiver may only be in writing. In die eveut of such waiver, Borrower shall pay directly, when and where payable, the amounts (~6(WY) Ioo*s) Pa9.4 of ~s Form 3051 1/01 ,- 300 due for any Escrow Itexns for which payment of Funds has been waived by Lender and, if Lender requires, shall funfish [o Leuder receipts evidencing such payment withiu such time period as Lender may require. Borrower's obligation to ~nake such payments and to provide receipts shall for all pm-poses be deented to be a covenant and agreement contain)d in this Security lnktmment, as die phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant ~o a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its riglzts uMer Section 9 aml pay such amount and Borro~ver shall then be obligated under Section 9 [o repay to Lender any such amoum. Lender may revoke the waiver as to any or all Escrow Items at any nme by a notice given iu accordance wi[h Section 15 aud, upon such revocation, Borrower shall pay to Leuder all Funds, and in such amounts, fl~at are theu required under Otis Section 3. Lender may, at any time, collect and hold Fuuds iu an amotmt (a) sufficient to permit Lender to apply rte Funds at the time specified trader RESPA, and (b) not to exceed fl~e maxmmm amount a lender can require under RESPA Lender ,,,hall estinmte the amount of Funds due on the basis of current data and reasomble estinmtes of expenditures of future Escrow Items or otherwise iu accordance with.Applicable Law. The Funds shall be held itt an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an instimtiou whose deposits are so insured) or iu any Federal Home Loan Ba~. Leuder shall apply rite Funds to pa3( die Escrow Itcnrs no later thau the time specified under RESPA. Let~der"shall not charge Borrower tbr holding and applying fire Funds, ammally amdyzing Ore escrow account, m: verifying rte Escrow Items, unless Lender pays Borrower interest on the Funds attd Applicable Law pemfits Leuder to nmke such a charge. Unless an agreement is nmde iu writing or Applicable Law requires interest to be paid on the Funds, Lender sh,'dl not be required to pay Borrower any interest or earnings on fire Funds. Borrower and Lender can agree in writiug, however, fllat interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an ammal accountiug of the Funds as required by RESPA. If fliere is a surplus'of Funds': held in escrow, as defined under RESPA, Lender shall account to Borrower tbr file excess funds in accordance wifli RESPA. If fliere is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to · Lender the amount necessary to tmike up file shortage iii accordance with RESPA~ 'but in no more thau 12 monthly payments. If flxere is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by '.ZESPA, and Borrower shall pay to Lender file alnount necessary to make up the'deficiency in accordance with RESPA, but in no more titan 12 ntonthly payments. Upon payment iii full of all sunm secured by fliis Security Insu'ument, Lender shall prompdy refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrowe~: shall pay ,'dl taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on file Property, if ;my,i and Comnmnity Association Dues, Fees, aud Assessments, if any. To file extent fitat these items are Escrow) ltenrs, Borrower shall pay flietn iu the mamier provided iii Section 3. Borrower shall promptly d. isch'n:ge auy lien which has priority over this Security Instrument unless Borrower: (a) agrees ill writing to file payment of the obligation secured by flie lien in a manner acceptable to Lender, but tuffy so long as Borrower is performing such agrecmeut; (b) contests file lien in good faith by, or defends agaixzst entbrcement of die lien in, legal proceedings which in Lender's opinion operate to prevent fire entbrcement of the lien while those proceedings are peudiug, but only until such proceedings are concluded; or (c) secures from fl~e holder of the lien an agreement satisfactory to Lender subordimtting the lien to tiffs Security Instrument. If Lender detemfines that any part of the Property is subject to a lien which can attain priority over this Security lustrmnent, Lender nuty give Borrower a notice identifying fl~e (~-6(WY) 1ooo5) ( P~, ~ o~ ~6 Form 3051 1/01 lien. Within 10 days of the date on which thai notice is given, Borrower shall satisfy rite lien or take one or more of the actions set forth above in tiffs Section 4. Lender nmy require Borrower to pay a one-time charge lbr a real estate tax verification and/or reporting service used by Lendm in'cmmection with this'Loan. 5. lh'operty lnsurauce. Borrower shall keep the improvements now existing or hereafter erected on the Property insured agaiust loss b,, fire, hazards included within thc term "extended coverage," and any other hazards including, but not li~.fited to, earfl~quakes and floods, tbr which Lender requires iusurance. This insurance shall be maintained in file amounts (including deductible levels) and for file periods that Lender requires. What Lender requires pursuant to file preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall noi be exercised unreasmmbly. Lender nmy require Borrower to pay, in com~ction wifl~ this Loan, either: (a) ~ one-dine charge for flood zone determi~mtion, certification and tracking services; or (b) a one-time charge for flood zone determi~mtion and certification services and subsequent charges each time rmm~ppmgs or sinfilar changes occur which reasonably might affect such deternfiva~tion or certification. Borrower shall also be responsible for the paymem of any fees imposed by file Federal Emergency Mauagemeut Agency in comtection with fl~e review of auy flood zone determim~don resulIing from an objection by Borrower. If Borrower fails to inaintain arty of the coverages described above, Lender nmy obtain iusurance coverage, at Lender's option and Bon'ower's expeuse. Lender is under ilo obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but nfight or might not protect Borrower, Borrower's equity in the Property, or file contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously iu effect. Borrower acknowledges fl~at the cost of file iusurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under riffs Section 5 shall become additional debt of Borrower secured by flits Security Instrument. These amounts shall bear interest at rite Note rate from the date o~ disbursement and shall be payable, with such iuterest, upon notice from Lender to Borrower requesting payment. All insurance policies requireC, by Lendor and renewals of such policies shall be subject to Lcuder's right to disapprove such policies, shall include a standard mortgage clause, aud shall m~me Lender as mortgagee and/or as an additim~d loss payee. Lender shall have the right to hold tl~e policies and renewal certificates. If Lender requires, 7~orrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not ofl~erwise required by Lender, 'for damage to, or destruction o~, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee ~nd/or as an additional loss payee. In the event of loss, Borrowe~ sball give prompt notice to file insurance carrier and Lender. Lender nmy nmke proof of loss if not made promptly by Borrower, Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not file underlying insurance was required by Lender, shall be applied to restoration or repair of fl~e Property, if the restoratiou or repair is economically feasible aud Lender's security is not lessened. D:uring such repair and restoratiou period, Lender shall have rite right to h01d such insurance proceeds until 'Lender has had an opportunity to inspect such Property to ensure tim work has been completed to Lencer's satisthction, provided that such inspectiou sh,'dl be undertaken promptly. Lender may disburse pro:eeds for file repairs and restoratiou iu a single payment or iu a series of progress payments as file woric is. completed. Unless an agreement is nu~de in writing or Applicable Law requires interest to be paid on sgchinsurance proceeds, Lender shall not be required to pay Borrower auy interest or eartfings on such proc~:eds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out ,.Sf me insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not econ6mically feasible or Lender's security would be lessened, file insurance proceeds shall be applied to the.stuns secured by tiffs Security Iostrmnent, wlmther or not flien due, with ll~-fi(WY) Iooos) Paa~ 6 o~ ~s ~ Form 3051 1/01 , the excess, if any, paid to Borrower Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the :Property, Lender may file, negotiate and settle any available insurance claim and related ~'mttters. If BorroWer does not respond within 30 days [o a notice, from Lender that rite insurance carrier has offered to settl,: a claim, then Lender may negmiate and settle rite clailn. The 30-day period will begin when the noiice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an a~nount not to exceed die amounts unpaid under die Note or this Secmity Instnmtcnt, and (b) any other of Borrower's rights (oilier than the right to any refund of unearned premimns paid by Borrower) under all insurance polices covering rite Property, insofin' as such rights are applicable to the coverage of the Property. Lender tory use rite 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 Property as Borrower's principal residence within 60 days after ~e execution of this Security Instrument and shall conti~me to occupy rite Property as Borrower's principal residence for at least one year after fl~e date of occupancy, mdess Lender otherwise agrees in writing, w:tich consent shall not be um'easouably withheld, or mfless extenuating circumsta~zces exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, danmge or impair the~ Property, allow rite Property to deteriorate or comlnit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall nutintain die 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 repair or restoration is not economically feasible, Borrower shall promptly repair the Property ~f danmged to avoid fi~rther deterioration or danmge. If insurance or condenumtion proceeds are paid in connection with daumge to, or fl~e taking of, the Property, Borrower shall be responsible for repairing or restoring the Property tuffy it' Lender has released proceeds for such pm-poses. Lender nmy disburse proceeds for the repairs and restoralion in a single paylnent or in a series of progress payments as the work is completed. If rite insurance or condenmatiou proceeds are not sufficient to repair or restore the Property', Br,rrower is not relieved of Borrower's obligation for the completion of such repair or restoration. . Lender or its agent may ~mike reasmmble entries upon mid inspections of the Property. If it has reasmmble cause, Leuder may ihspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of o~" prior to such an interior inspection specifying such reasmtable cause. 8. Borrower's Loan Apl:dication. Borrower shall 'be iu defimlt if, during fl~e Loan application process, Borrower or any persolrs or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave ~natcrially false, nfisleading, or inaccurate information or statements to Lender (or failed to provide Lender wiql material infornvatim0 in connection wifli the Loan. lVlaterial representations include, but are not linfited to, representations concerning Borrower's occupancy of the Property as Borrower's principal res::dence. 9. Protection of Leuder'silnterest in the Property and Rights Under this Security Instrument. If (a) Borrower 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 [,roceeding in bankruptcy, probate, for condenmation or tk)rfeiture, for enforcement of a lien which ~tmy 'attain priority over this Security Instrument or to entbrce laws or regulations), or (c) Borrower has abandoned the Property, then Lender nuiy do and pay Iht whatever is reasonable or appropriate to prote;:t Lender's interest in the Property and rights under this Security Instrmnent, including protecting, and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can i:nclude, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instruinent; (b) appearis~g in court; and (c) paying reasonable ~-6(WY) (ooos) pag. 7 o~ l~i Form 3051 1101 09008'? ; attorneys' fees to protect its inter~st ht the Property and/or rights trader tiffs Security Instrmnent, inclnding its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, enteriug fl~e Property to n~ke repairs, change locks, replace or board up doors and windows, drain water fi-om p~pes, elinfi~mte building or odter code violatimm or dangerous conditions, and have utilities turned on or off. Alflmngh Lender uuy .take action under tiffs Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed fl~at Lender incurs no liability for not taking any or all actions auflmrized under fids Section 9. Any amounts disbursed by Lender under tiffs Section 9 shall become additimml debt of Bon'ower secured by this Security Instrument. These amounts shall bear interest at fl~e Note rate fi-om ~e date of disbursement and shall be payable, with such interest, upon uotice from Lender to Borrower requesting payment. If tiffs Security Instruinent ~is on a leasehold, Borrower shall comply wifl~ all fl~e provisions of the lease. If Borrower acquires ~e title to the Propmty, fl~e leasehold and fl~e fee title shall not merge unless Louder agrees to fire merger in w 'itin'g. 10. Mortgage Insurance. I~~ Leander required Mortgage Insurance as a condition of nmking fl~e Loau, Borrower shall pay fl~e premiunu required to ~mintain fl'~e Mortgage Insurance in effect. If, for any reason, fl~e Mortgage Insurance coverage required by Lender ceases to be available from fl-~e mortgage insurer that previously provided snch insurance ;and Borrower was required to make separately desiguated payments toward fl~e prenfiums for Mortgage Insurance, Borrower shall pay the preufiunm required to obtain coverage substantially equivalen,, to the Mortgage Insurance previously in effect, at a cost sobstantially eqniwdent to fl~e cost to BorroWer, of the Mortgage Iusurance previously in effect, l?om an alternate mortgage iosurer selected by kender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall contiude tc pay to Lender fl~e amount of the separately desig~mted payments that were due when fl~e insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-re~ndable Dss reserve in lieu of' Mortgage [nsnrance. Such loss reserve shall be non-refi~ndable, notwifl~standing fl~e fact fl~at the Loan is ultinn~tely paid in hill, and Lender shall not be required to pay Borrower any interest or ear~ngs ou such loss reserve. Lender eau no longer require loss reserve payments if Mortgage Ingurance coverage (in fl~e amount and lbr fl~e period flint Lender requires) provided by an insurer selected, by Lender again becomes available, is obtained, and Lender requires separately designated payments reward fl~e premimns fb'r Mortgage Insurance. If Lender required Mortgage Insurance as a condition of nmking the Loan and Borrower was required to nmke separately desig~mted payments toward the preniiums .lbr Mortgage hmurance, Borrower shall pay the prenfiums required to nmintain Mortgage Insurance in effect, or to provide a nou-refimdable loss reserve, undl Lender's requirement for Mortgage Insuta-~ce ends in accordaoce wi& auy written agreement between Borrower and Leuder providing for such ternfination, or until ternfi~mtiou is required by Applicable Law. Noflfing in this Section 10 afl~cts Borrower's obligation to pay interest at fl~e rate provided in the Note. Mortgage Insurance reimburses Lender (or auy entity that pm'ch,scs fl~e Note) fi~r certaiu losses it n~qy.incur if Borrower does not repay fl~e Loan as agreed. Borrower is not a party to fl~e Mortgage hlsnrance, Mortgage insurers evalnate fi~eir total risk on all such insurance in force fi'om time to time, and may enter into agreements wifl~ off, er Parties flint share or modit~ fl~eir risk, or reduce losses. These agreemems are on terms and conditions that 3re satisfactory to fl~e mortgage insurer and fl~e oilier party (or parties) to these agreements. These agreements !~'my require fl~e mortgage insurer to make payments using any source of l~nds fi'mt fl~e mortgage insurer n'ay have available (which may include hinds obtained flora Mortgage Insurance prenfimns) As a result of these agreements, Lender, any purchaser of the Note, anoflter insurer, any reinsurer, any off, er entity, or any affiliate of any of fl~e foregoing, may receive (directly or indirectly) amounts that derive fi'om (or nfight be characterized as) a portion of Borrower's paymcuts tbr Mortgage Insurance, in exchange for sharing or modit~ing fl~e mortgage insurer's risk, or reducing losses. If such agreement provides flint an affiliate of Leuder. takes a share of fire insurer's risk in exchange for a share of the premioms paid to fl~e insurer, fl~e arraugemeut is often termed "captive reinsurance." Furfl~er: (a) Any such agree~nents'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 refnnd. ~6(WY),(OOOSl . ,~, v~ 8 o* ~ ~~ Form 3051 1/01 o 04 (b) Any such agreelnents will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Hc*meowuers Protection Act o1' 1998 or any other law. These rights may include the right to receive certain disclosures, to request atttl obtain cancellatiou of the Mortgage Insurance, to have the Mortgage Insurance tei-minaled untomatically, and/or to receive a refund of any Mortgage lnsu[ance premiums that were unearned ;it the time of such cancellation or termination. 11. Assigmnent of Miscellaneous Proceeds; Forfeitnre. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lenc~er. If the Property is danmged, such Miscellaneous Proceeds shall be apl)lied to restoration or repair of the Property, if fl~e restoration:or r.,epair is economically feasible and Lender's seem'try is not lessened. Dm'lng such repair and restoration p,.'riod, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had au opportunit:, to inspect such Property to ensure the work has been completed to Lender's satisthction, provided ;bat such inspection shall be undertz, ken promptly. Lender may pay lbr tl~e repairs and restoration in a si:ngle disbursement or in a series of progress payments as file work is completed. Unless an agreemem is made iu writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lende~ shall not be required to pay Borrower any iuterest or earuiugs on such IVtiscellaneous Proceeds. If the ]esto':ation or repair is not econonfically feasible or Lender's security would be lessened, the Miscellaneous :Proceeds' shall be applied to the stuns secured 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 tb~ in Section 2. In the event of a total taking, destruction, or loss in value of the Property, file Miscellaneous Proceeds shall be applied to the- sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial ta~i'ng, destruction, or loss in value of the Property iu which the fair market value of the Property innnedia~ely before the partial taking, destruction, or loss iii wdue is equal .to or greater than the amount of the stuns-secured by this Security lnstru,nent immediately bcd)re the partial taking, destruction, or loss in value, mfless Borrower and Lender otherwise agree in writing, thc Stalls secured by this Security h~strument shall be reduced by the amount of the Miscellaneous Proceeds nmltiplied 'by the tbllowing fraction: (a) the total amount of file sums secured immediately before the partial taking, destruction, or lo~ss in value divided by (b) the fidr market value of the Property immediately before the partial taking, destruction or loss iix value. Any balance sliall 'be paid to Borrower. In the event of a partial taxiug, destruction, or loss in value of thc Property itt which thc fiiir market value of the Property immediately before the partial taking, destruction, or loss iii value is less than the amount of the sums secm'ed immediately before the partial taking, destruction, or loss id value, unless Borrower and Lender otherwise, agree in writing, the Miscellaneous Proceeds shall be applied to thc stuns secured by fids Security Instmn"ent whether or not the surus are then due. If the Property is abandoned by Borrower, or if, after ot~ticc by Lender to Borrower that the Opposing Party (as defined itt '.he t~ext sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date thc uotice is given, Lender is authorized to collect and apply the Miscellanetms Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instruinent, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party agaiust whom Borrower has a right of action iu regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could resu2 in forfeiture of rile Property or other nmterial impairment of Lender's · interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration bas occurred, reiu,tate ~as provided iu Section 19, by cansing the action or proceedirig to be disnfissed with a rifling that, in Lender's judgment, preclodes forfeiture of file Property.or other umterial impairment of Lender's interesihl the Property or rights under this Security Instrmnent. The proceeds of any award or claim for damage~ that are attributable to the impairment of kender's interest iii file Property are hereby assigned and shall be. paid to Lender. All Miscellaueous Proceeds fl,at are not applied to restor:'ltion or repair of the Property shall be applied in die order provided for in Section 2. (~)~-6(WY) (ooosl Pag~ 9 of 1~5 --.... ~ Form 3051 1/01 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of tile time for payment or modification of amortization of the sutns secured by fltis Security htstmment granted by Lender to Borrower or arty Successor iii Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall.nOt be required to connnence proceediugs against any Successor in Interest of B.~rrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by tiffs Security Instrument by reasou of any demand nmde by file original Borrower or any Successors in Ihtqrest of Borrower. Any forbearance by kender in exercising any right or remedy including, without linff;ation, Lender's acceptance of payments froln third persons, entities or Successors in Interest of Borrow!~.r :or iu amounts less than the amouot then due, shall not be a waive]' Of or preclude the exercise of any righ) o.r remedy. 13. Joint find Several Liq, biiity; Co-signersi Successors and Assigns Bound. Borrower cove~mnts and agrees that Borrower's obligi:ttibns anti liability shall be joint and several. However, any Borrower who co-signs Otis Security Instrument 'but does not execute the Note (a "co-signer"): (a) is co-siglfing this Security Instrmnent only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security lnstrmnent;- ~b) is not personally obligated to pay the sttms secured by this Security Instrument; and (c) agrees flint Lender and any other Borrower can agree to extend, modify, forbear or nuike any acconmlodations with r6gard.to the terms of this Security lustrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor iu Interest of Borrower who assumes Borrower's obligations under Otis Security Instrument ill writing, and is approved by Lender, shall obtain all of Borrower's rights and berefits under this Security Instrument. Borrower shall ]lot be released t¥om Borrower's obligations and liability urider this Security Instrument onless Lender agrees to such release in writing. The covetmnts and agk'eements of this Security lnstrumeut shall bind. (except as provided in Section 20) arid benefit the successors and assigns of Lender. · 14. Loan Charges. Lender may cbarge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in tile Property and rights under this Security Instrument, including, bm not linfited to, attorneys' tees, property inspection and valuation tees. hi regard to any other fees, the.abs?.nce of express authority in this Security h~stroment to charge a specific fee to Borrower shall not be constraed as a prohibition on the charging of such lee. Lender nn~y not charge tees that are expressly prohibited by this Security Instrument or by Applicable Law. If rite Loan is subject to a l;.w which sets ~mtximum loan charges, and that law is fiually interpreted so that the interest or oilier loan charges collected or to be collected in connection with the Loan exceed the permitted linfits, then: (a) any ~uch loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; an] (bi any sums already collected fi'om Borrower which exceeded pernfittcd limits will be refunded to Born3wer. Lender may choose to make this retired by reducing thc principal owed uuder the Note or by mXking a direct payment to Borrower. If a refund reduces principal, tile reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided ?br under tim Note). Borrower's acceptance of any such refund nulde by direct payment to Borrower will'constimte a waiver of any right oi' action Borrower might have arising out of such overcharge. 15. NOtices. All notices given by Borrower or Lender in com~cction with this Security instrument must be in writing. Any notice t) Borrower in comlection with this Security Instrument shall be deeined to have been given to Borrower when mailed by first 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 otherwise. The notice address shall be ti~e.Property Address nnless Borrower has desigmited a substitute notice address by m]tice to Lender. Borrower s!mll promptly ]ratify Lender of Borrower's ch:.nge of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall otdy report a change of address through that specified procedure. There may be only one desigmited notice address under this Security Instrument at any one time. Any notice to Lender shall be given, by delivering it or by nutiling it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in cmmection wifll this Security ln'~trument shall imt be deemed to have been given to Lender until actually received by Leuder. If any noti?.required by this Security lnstnm~ent is also required under Applicable Law, the Applicable Law requirement will satisfy fl~e correspondiug require/nent under this Security histrument. (~)~-6(WY) Page 10 of 16 Form 3051 1/01 ~ .-OUU 16. Governing Law; Severability; Rules of Coustruction. This Security Instrument shall be governed by federal law and thc law of the jurisdiction in which the Property is located. All rights and obligations contained in fids 5:ecarity Instrmnent are subject to any requirements and liufitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it nfight be silent, but such silence sEall not be construed as a prohibition against agi'eement by contract. In d~e event that any provision oi: clause of this Secm'ity Instrument or the Note conflicts with Applicable Law, such conflict shall not affect'other provisions of this Security lnstrulneut or the Note which can be given effect without the couflicd'ng'provision. As used in this Security [nstmment: (a) words of the masculine geuder shall mean and include corresponding neuter words or wo:rds of the fenfinine geuder; (b) words in the singular shall mea~, and include fl~e plural and vice vers~; ,'iud (c) the word "nmy" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Bo,:rower shall be given one copy of thc Note and of fills Security hlstmment. . 18. Trausfer of the Property or a Beneficial Iuterest in Borrower. As used iu this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, includiug, but not linfited to, those beneficial interests transferred in a bond l-hr deed, contract tbr deed, instalhnent sales contract or escrow agreement, fl~e intent of WhLch is file transfer of title by Borrower at a future date to a pm'chaser. If all or any part of rte Property or any Interest in fl~e Property is sohl or trausferred (or if Borrower is not a natural person and a beueficial interest in Borrower is sold or transferred) wiflmut Lender's prior written consent, Lender may require immediate payment iu full of all stuns secured by this Security Instrument. However, this optionI shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this Ol?tion, Lender shall give Borrower notice of acceleratiou. The notice shall provide a period of not less than 30 days from the date file notice is given iu accordance with Section 15 wiflfin which Borrower Inust pay all sums secured by this Security Instrument. If Borrower fails to pay fl~ese sums prior to tim expiraiio~ of this period, Lender nmy invoke auy remedies permitted by this Security Instmment'wifl~out furthe~:.notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. Il' Bo,-rower meets certaiu conditions, Borrower shall have fl~e right to have enfbrcement of this Security lnst,-ument discontinued at an3) time prior to file earliest of: (a) five day'~ before sale of the Property purst,ant to auy power of sale contained in fids Security Instrument; (b) slx-ch off,er period as Applicable Law might specify for thc termiuation of Borrower's right to reinstate; or~(c) entry of a judgment entre'ring fids Security l,rstnunent. Those conditions are fllat Borrower: {a) pays Lender all sums which then would be due under tiffs Security Instrument and file Note as if nc acceleration had occurred; (b) cures any default of any off,er covenants or agreements; (c) pays all expenses incurred in enforcing this Security lustrument, including, but not liudted to, reasonable attorneys' fees, 'property inspection and valuation lees, and off,er fees iucurred fi~r the purpose of protecting Lender's interest in fl~e Property and rights under fids Security lnstrmnent; and (d) takes such action as Lender ~my reasonably require to assure riot Lender's interest in rile Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured 'by this Security Instrument, shall conti~me unchanged. Lender ~nay require that Borrower pay such reiustatement sun,S aim expenses.in one or more of flw /Ellowing forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, tre:lsurer's check or cashier's check, provided any such check is drawu upon 'an institution whose deposits are insured by a federal agency, i,lstrumentality or entity; or (d) Electro~fic Funds Transfer. Upon reinstaternevt by Borrower, fids Security h~mnment and obligations secured hereby shall renudn fully effective as if no acceleration had occurred. Ho.wever, fids right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of'Loan Servicer; Notice of Grievauce. The Note or a partial interest in file Note (together with this Se'.'urity lnstrmnen0 can be sold ouc or more times without prior notice to Borrower. A sale might result in'a chauge in the entity (known as the "Loau Servicer") that collects Periodic Payments due under toe Note aud fids Security Instru,ncnt t,~ltl perfomrs other mortgage loan servicing obligations under fl~e Note, this Security hrstrmnent, and Applicable Law. There also might be one or more changes of the Loau Servicer mn'elated to a sale of the Note. If there is a chauge of tile Loan Servicer, Borrower will be given Written notice of the change which will state rite no,ne aod address of the new Loan Servicer, rite addres:; to wllich payments should be made and any other intbrnration RESPA (~)-§(WY} (O00~l Pa(j. 11 o, 15 / ~/...~.,,~ Form 3051 1/01 requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loau Servicer other than the pm'chaser of file Note, the mortgage loau servicing obligations to Borrower will remain with the Loan Servicer or be trausferred to a successor Loan Servicer and are uot assumed by the Note purchaser uuless otherwise provided by the Note purchaser. Neither Borrower nor Len0er nmy commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pnrsuaut m this Security lnstrunlent or fl~at alleg~s that the other party has breached any provision of, or any duty owed by reason of, this Security Instrumeut, until such Borrower or Lender has notified fl~e off,er party (with such notice given in compliance with fl~.e requirements of Section 15) of such alleged breach add afforded fl~e other party hereto a reasonable period after the giving of such notice to take corrective actiou. If Applicable Law provides a time period which must elapse betbre certain action can be taken, that time period will be deemed to be restsonable for purposes of this paragraph. The notice of acceleration aud opportmfity to cure given to Bonower pursuant to Section 22 and fl~e notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportmfity to take corrective action provisions of this Section 20. 21. Hazardous Substances. . As used in this Section 21: (a) "Hazardous Substauccs" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Enviromnental Law and tbllowing substances: .gasoline, kerosene, other flaummble or toxic petrolemu products, toxic pesticides and herbicides, volatile solvents,, niaterials contai~fing asbestos or forlnaldel~yde, andradioactive nmterials; (b) "Environmental Law" means federal laws and laws of the jurisdictiou where die Property is located that relate to health, safety or envire, nmeutal protection; (c) "Enviromneotal Cleanup" iucludes any respouse action, remedial action, or remoga! action, as defined in Environmmmd Law; aud (d) au "Environmeutal Condition" means a condition th:it can cause, contribute to, or otherwise trigger an Environmeutal Cleanup. Borrower shall not cause o{ permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, auything affecting the Property (a) that is in violation of any Euviromneutal Law, (b) which creates an Envimmnental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of tile Property. The precediug two sentences shall not apply to the presence use, or storage on the Property of sumll quantities of Hazardous Substances that are ger'erally recog~fized to be appropriate to nornml residential uses add to maintenance of the Property (inc!uding, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigatiou, claim, denmod, lawsuit or other action by any goverume'ut~l or regulatory agency or private party involving the Property and any Hazardous Substance or Enviroxm~ental Law of wtfich Borro\ver has actual knowledge, (b) arty Enviromnental Condition, including but not limited to, any spilling, leakiug, 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 affects the vaiue of the Property. If Borrower learns, or is uotilied by any governmental or regulate'fy.authority, or any private party, flint any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borro\ver shall promptly take all necessary remedial actions in accordauce 'Mth Enviromneutal Law. Nothiog hereiu shall create any obligation on Lender for an Environmental Cleanup. (~d6(WY) {ooo~} Page ~12of 15  Form 3051 1101 NON-UNIFOlhM COVEN ANTS. Borrower and Lender ftlrther covenant and agree as fi)llows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security lnstrtunent (hut 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 dale, not less than 30 days from the date the notice is given to Borrowe.;, by which tile default must be cured; and (d) that failure to cure tile defaui~ oil or belore the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and :role of tile Property. The notice shall I'urther inform Borrower of the right to reinstate after acceleration and the right to bring a court aclion to assert the non-existence of a defaalt or any other defense Of Borrower to acceleration and sale. If the default is not cured on or before the date specified in tile notice, Lender at its oplion may require immediate payment in full of all sums secured by this Security Instrnment without further demand and may invoke the power of sale aud ally other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing th(~ remedies provided in this Seclion 22, including, but not limited to, reasonahle attorneys' fees and costs of title evidence. If Lender invokes tile power of sale, Lender shall give notice of intent to foreclose to Borrower aud to the person in possession :of tile Property, if differeut, in accordance with Apl)licable Law. Lender shall give notice of tho sale to Borrower in tile manner provided in Section 15. Lender shall publish tile notice of sale, and the Property shall be sold in ~lle manner prescribed by Appli.cable Law. Lender or its designee may purchase tile Property at any sale. The proceeds of tile sale shall be applied in tile following order: (a) to all expenses of tile sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security l,~strumeut; and (c) any excess to the person or persons legally eatitled to it. 23. Release. Upon payment of all stuns secured by tiffs Security Instmlnent, Lender shall release this Security Instn,ment. Borrower sh;'ll pay any recordation costs. Lender linty charge Borrower a fee tbr releasing tiffs Security Instrument, 'but only if fl~e fee is paid to a flfird party for services rendered and the charging of file fee is permitted under Applicable Law. 24. Waivers. Borrower ~:ekases and waives all rights under and by virtue of the homestead exmnPtion laws of Wyonfing. hqitials' ,~~ Page 13o1' 15 '.-.--'~,~ Form 3051 1/01 BY SIGNING BELOW, B0rr'~)wer accep[s and agrees to fl~c [crms and covenants contained in this Security instrumen~ and in any R~der executed by Borrower and recorded wiflx it. Witnesses: - . .~ (Seal) ROBERT J./GERGEN -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower (~c~6(WY) (ooo~1 P,,g~ ~4 ot ~ Form 3051 1/01 ;. x' o~.0 STATE OF WYOMING, The tbregoing instrmnent was a;knowledged before ~ne dfis by ROBERT J. GERGEN AND MARGARET A. GERGEN Lin County ss: My Commission Expires: 11~}~6G(WY) Iooos} Page 1 {5 ol 15 Form 3051 1/01