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HomeMy WebLinkAbout20075130NUM PGS_~_ ~=. ,.:, FEES~_PD-~~1a2~CK# /8.7~/t CP. r) CHG ACCT # RETFEES: ~?•0°CASH ~ R.O.D.CK#_ RECD ~P~ !Q i!i ( Ti~li P iiETURN //UIJ.,~r .s-f ~y;D/fLl/I _~~'~t_ s. i1/6 6890! NUM ~/.tl,19Qr/S ~~~ RD. COMP k ,~N_//_ y/__ COMPARE / ~ CADAS AO ADAMS COUNTY, NE FILED INST. NO.~~ '' ~" ~ 3 Q Date.~:a,~;~? Time io.sf ~ ~~ REGISTER OF DEEDS Stale of Nebraska Space Above.Thls Line For Recording Data DEED OF TRUST (With Future Advance Clause) ' ^ Construction Security Agreement. ^ Master form recorded by ..............::............. 1. DATE AND PARTIES. The date of this Deed of Trust (Security Iustrwneut) is ..................11:20.2007, • , , , • • • • • , • • • , • , . and the parties, their addresses and tax identification uwnbers, if required, are as.follows: TRUSTOK: STEVEN L. MANGERS ANG JUDITH O. MANGERS, HUSBAND ANG WIFE 207E 7TH ST HASTINGS, NE 68901 ^ If checked, refer to the attached Addeudwm incorporated herein, for additional Trustors, their signatures and ackuowledgntents. TRUSTEE: BANK OF OONIPHAN PO BOX 270 HASTINGS, NE 68832 BENEFICIARY: BANK OF OONIPHAN ORGANIZED ANO EXISTING UNGER THE LAWS OF THE STATE OF NEBRASKA P O BOX 270 DONIPHAN, NE 68632-0270 2. CONVEYANCE. Fot good and valuable consideration, the receipt and sufficiency of which is acknowledged, and [o secure the Secured Debt (defined below) and Trustor's perfonuance under this Security Instrument, Ttustor irrevocably grants, conveys and sells to Trustee, iu trust for the benefit of Beneficiary, with power of sale, the following described property: LOT ONE (1) THROUGH SIX Iel, INCLUSIVE, BLOCK ONE 111, TAGGART'S ADDITION TO THE CITY OF HASTINGS, ROAMS COUNTY, NEBRASKA, ACCORDING TO THE RECORDED PLAT THEREOF. The property is located iu ..............................AAgMS............................... a[ 1910N KANSAS,,,,,....... ................... (County) ............................................................. ...........:.........HASTINGS...................., Nebraska ........698G1......... (Address) (City) (Z(P Code) ,: Together with all rights, easements, appurtenances, royalties, mineral rights, oil and gas rights, all water and riparian rights, ditches, and water stock and all existing and future improvements, structures, fixtures, and replacements drat may now, or at any time iu Ute future, be part of the real estate described above (all referred to as "Property"). 3. MAXIMUM OBLIGATION LIMTT. The total principal •aznouut secured by this Security Instrument at any one thne shall not exceed $ 285,0,qQ.,qq,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, ,This Inuitatiou of unount does not include interest and other fees and charges validly made pursuant to this Security Iustrwneut. Also, this luuitatiou does not apply to advances made under the terms of this Security Iustruuteut to protect Beneficiary's security and to perform any of the covenants contained in [his. Security Iustrwneut. 4. SECURED DEBT AND FUTURE ADVANCES. The term "Secured Debt" is defined as follows: A. Debt ittcurred under the [ernts of all promissory note(s), contract(s), guaranty(s) or other evidence of debt described below and all their ,extensions, renewals, modifications or substitutions. (4Vlten referencing rite debts below it is suggested that you inchtde items such as borrowers' names, note mnot~nts, interest rates, mantrity dates, etc.) BANK OF OONPHAN PROMISSORY NOTE N8215 DATED 11.2007 IN THE NAME OF STEVEN L. AND JUDITH D. MANGERS NEBRASKA -DEED OF TRUST (NOT FOR FNMA, FHLMC, FHA OR VA USE) 2/"r=M 01994 Bankers Systems, Inc., 5t. Cloud, MN Farm RE-DT-NE 1/30/2002 (page 1 of 4l /of~ .. ~ ~ ~ r.., i. f . j'. P ...... -.. I. i +~ .- ....._ - 20n751 ,0 (I~~ _..,. .. . ~.- ._. • q~ ;tea r t, r. '• ~ ;,i -... ._ ... ; { t ; - _4 , =r-•-- .4.- ice.,. , i , i ~. ~ B. All future advances from Beneficiary to Trustor or other future obligations of 'Trustor' [o Beneficiary under any ~~~^if,lij(protnissotx,•;tU,tel contract, guaranty, or other evidence of debt executed by Trustor-.in.favor of Beneficiary after-this Securely Instrument whether or,.noLthis Security,Instruiuen[ is~specifically referenced. If more than one person signs ,, ~u,,,, ,thts Securt~y Instrument, each Trustor •agrees~thar`this' Security Ltstrtmneut will secure all future advances and future ~'~•• ~^ obli aeons ihaf acre iveu to or incurred b au one or;more Trustor or au one"or-more Tru'stor-aud others. All c(1s1:~U :,ft~tafe'~id~~ti~s and other future"obligations are secured by this Security Ittstrutneut even though all`or part tiiay no[ yet be advanced. All future advances aud_othgr~ future..obligatious ace secured as if made on the date of this Security Ltstrmneut. Nothing iu this Security htstrument shall constitute-a.commitmeut to make additional or future loans or advances in any amount. Any such.conmtittuetittuusube-agreed to iu a separate writing. C. All obligations Trustor owes to Beneficiary, which may later arise,-to the extent not prohibited by law, including, but not limited to, liabilities foe overdrafts relating to any deposit account agreenteut between Trustor and Beneficiary. D. All additional scans advanced and expenses incurred by Beneficiary for insuring, preserving or otherwise protecting the Property and its value and any other sums advanced and expenses incurred by Beneficiary under the terats of this Security Instrutneut. This Security Instrument will not secure any other debt if Beneficiary fails to give any required notice of the right of. rescission. 5. PAYMENTS. Trustor agrees that all payments under the Secured Debt will be paid when due.aud iu accordance with the terms of the Secured Debt and this Security lustrmueut. 6. WARRANTY OF TITLE. Trustor warrants that Trustor is or will be lawfully seized of•the estate conveyed by this Security Iustrwnent and has the right to irrevocably grant, convey, and sell the Property [o Trustee, iu trust, with power of sale. Trustor also warrants that the Property is uueucutnbered, except for eucmnbrauces of record. 7. PRIOR SECURITY INTERESTS. With regard [o any other mortgage, deed of trust, security agreement or other lieu document that created a prior security interest or encmnbrance ou the Property, Trustor agrees: A. To make all payments when due and to perforat or comply with all coveuauts. B. To promptly deliver to Beneficiary any notices that Trustor receives from the holder. C. Not to allow any modification or extension of, nor to request any future advances under any note or agreement secured by the lien document without Beneficiary's prior written couseut. 8. CLAIMS AGAINST TITLE. Trustor will pay all taxes, assessments, liens, enctuubrauces, lease payments, ground rears, utilities, and other charges relating to the Property when due. Beneficiary may require Trustor to provide [o Beneficiary copies of all notices that such uuouuts are due and the receipts evidencing Trustor's payment. Trustor will defend title to the Property against any clahns that would impair the lien of this Security Iustruuieut. Trustor agrees to assign to Beneficiary, as requested by Beneficiary, any rights, claims or defenses Trustor may have against parties who supply labor or materials to maintain or improve the Property. 9. DUE ON SALE OR ENCUMBRANCE. Beneficiary may, at its option, declare the entire balance of the Secured Debt to be immediately due and payable upon the creation of, or contract for the creation df, any lien, eucuuibrauce, transfer or sale of the Property. This right is subject to the restrictions imposed by federal law (l2 C.F.R. 591), as applicable. This covenant shall run with the Property and shall remain in effect until the Secured Debt is paid iu full and this Security Instrument is released. 10. PROPERTY CONDITION, ALTERATIONS AND INSPECTION. Trustor will keep the Property iu good cottditiou and make all' repairs that are reasonably necessary. Trustor shall not conunit or allow any waste, bupairateut, or deterioration of the Property. Trustor will keep the Property free of noxious weeds and grasses. Trustor agrees that the nature of the occupancy and use will not substantially change without Beneficiary's prior written couseut. Trustor will not permit any change iu any license, restrictive covenant or easenteut without Beneficiary's prior written couseut. Trustor will notify Beneficiary of all demands, proceedings, clauns, and actions against Trustor, and of any loss or damage to the Property. Beneficiary or Beneficiary's agents may, at Beneficiary's option, eater the Property at any reasonable tbue for the purpose of inspecting the Property. Beneficiary shall give Trustor notice at the three of or before au inspection specifying a • reasonable purpose for the inspection. Any inspection of the Property shall be entirely for Beneficiary's benefit and Trustor will in uo way rely ou Beneficiary's inspection. 11. AUTHORTTY TO PERFORM. If Trustor fails to perform any duty or any of the coveuauts contained iu this Security Iustrutnent, Beneficiary may, without notice, perforat or cause them to be perforated. Trustor appoints Beneficiary as attorney iu fact to sign Trustor's name or pay any amount necessary for perforatance. Beneficiary's right to perform for .,Trustor shall not create an obligation [o perfonu, and Beneficiary's failure to perform will not preclude Beneficiary from exercising any of Beneficiary's other rights under the law or this Security Iustrunteut. If any construction ou the Property is discontinued or not carried on iu a reasonable manner, Beneficiary may take all steps necessary to protect Beneficiary's ^security interest iu the Property, including completion of the construction. 12. ASSIGNMENT OF LEASES AND RENTS. Trustor irrevocably assigns, grants and conveys, to Trustee, iu trust for the benefit of Beneficiary as additional security all the right, title and interest in the following (all referred to as Property): existing or. future leases, subleases, licenses, guaranties and any other written or verbal agreements for the use and occupancy of the Property, including any extensions, renewals, modifications or replacements (all referred to as Leases); and rents, issues and profits (all referred [o as Rents). In the event any item listed as Leases or Rents is detenuiued to be personal property, this Assiguuent will also be regarded as a security agreement. Trustor will promptly provide Beneficiary with copies of the Leases and will certify ffiese Leases are true and correct copies. The existing Leases will be provided on execution of the Assiguuent, and all future Leases and any other iufonuatiou with respect to these Leases will be provided bmmediately after they are executed. Trustor may collect, receive, enjoy and use the Rents so long as Trustor is not in default. Upon default, Trustor will receive avy Rents in trust for Beneficiary and will not caumiugle the Rents with any other funds, Trustor agrees that this Security htstrumeut is immediately effective between Trustor and Beneficiary and effective as to third parties ou the recording of this Assigtmtent. As long as this Assiguueut is iu effect, Trustor warrants and represents that no default exists under the Leases, and [he parties subject to the Leases have not violated any applicable law on leases, licenses and landlords and [enacts. 13. LEASEHOLDS; CONDOMINIUMS; PLANNED UNIT DEVELOPMENTS. Trustor agrees to comply with the provisions of any lease if this Security Ins[nunent is on a leasehold. If the Property includes a unit iu a condominium or a planned unit development, Trustor will perform all of Trustor's duties under the coveuauts, by-laws, or regulations of the condominium or planned unit development. (page 2 of 41 +--~/-~2 eta ©1994 Bankers Systems, Inc., St. Cloud, MN Form RE-DT-NE 1/30/2002 d of ~- 200'75130 14. DEFAULT. Trustor will be in default if any party obligated ou the Secured Debt fails to make paytneut when due. Trustor will be iu default if a breach occurs under the teruts of this Security Instrument or any other document executed for the purpose of. creating; securing or guarantying the Secured Debt. A good faith belief by Beneficiary that Beneficiary at any thue is insecure with respect to any person of entity obligated ou the Secured Deb[ or that the prospect of any payment or the value of dte Property is hupaired shall also constitute au event of default. 15. REMEDIES ON DEFAULT. Iu some instances, federal and state law will require Beneficiary to provide Trustor with notice of rite right to cure or other notices and iuay establish time schedules-for foreclosure actions. Subject to these luuitations, if any, Beneficiary may accelerate the Secured Debt .and foreclose this Security Instrwuent iu a manner provided by law if Trustor is iu default. At the option of Beneficiary, all of any part of the agreed fees and charges, -accrued interest and principal shall become huntediately due and payable, after giving notice if required by law, upon the occurrence of a default or auythne thereafter. lu addition, Beneficiary shall be entitled to all the remedies' provided by law, the: teens of the Secured Debt, this Security Instrwuent and any related docwnents, including without lhnitatiou, the power to sell [he Property. If there is a default, Trustee shall, iu addition fo any other pennit[ed remedy, aG the request of the Beneficiary, advertise and sell the Property as a whole or iu separate parcels at public auction to the highest bidder for cash and convey absolute title free and clear of all right, title and interest of Trustor at such three and place as Trustee designates. Trustee shall give notice of sale including the time, teens and place of. sale and a description of the property to be sold as required by the applicable law iu effect at the three of the proposed sale. Upon sale of the Property and to the extent not prohibited by law, Trustee shall make and deliver a deed to the Property sold which conveys absolute title ro the purchaser, and after first paying all fees, charges and costs, shall pay to Beneficiary all moneys advanced for repairs, taxes, insurance, liens, assessments and prior ettcumbrauces and interest thereon, and the principal and interest on the Secured Debt, paying the surplus, if any, to Trustor. Beneficiary may purchase the Property. The recitals iu any deed of conveyance shall be prhna facie evidence of the facts set forth therein. All remedies are distinct, cumulative and not exclusive, and [Ile Beneficiary is entitled [o all, remedies provided at law or equity, whether or uo[ expressly set forth. The acceptance by Beneficiary of any swu iu payment of partial payment on the Secured Debt after the balance is due or is accelerated or after foreclosure proceedings are filed shall trot constitute a waiver of Beneficiary's right to require complete cure of any existing default. By not exercising any remedy ou Trustor's default, Beneficiary does riot waive Beneficiary's riglt[ [o later consider the even[ a default if it continues or happens again: 16. EXPENSES; ADVANCES ON COVENANTS; ATTORNEYS' FEES; COLLECTION COSTS. Except when prohibited by law; Trustor agrees to pay all of Beneficiary's expenses if Trustor breaches any covenant iu this Security Instrwuent. Trustor will also pay ou demand any autowtt incurred by Beneficiary for insuring, inspecting, preserving or otherwise protecting the Property and Beneficiary's security interest. These expenses will bear interest froth the date, of fire payment until paid in full at the highest interest rate in effect as provided iu the teens of the Secured Debt. Trustor agrees to pay all costs and expenses incurred by Beneficiary iu collecting, enforcing or protecting Beneficiary's rights and remedies under this Security Instrument. This aznouut uiay include, but is not (united to, attorneys' fees, court costs, and other legal expenses. This Security Instrument shall remain iu effect until released. Trustor agrees to pay for any recordation costs of such release. 17. ENVIRONMENTAL LAWS AND HAZARDOUS SUBSTANCES. As used in this section, (1) Euvirowneutal Law means, without limitation, the Comprehensive Euvirowneutal Response, Compensation and Liability Act (CERCLA, 42 U.S.C. 9601 et seq.), and all other federal, state and local laws, regulations, ordinances, court orders, attorney general opinions or interpretive letters concerning the public health, safety, welfare, euvirowneut or a hazardous substance; and (2) Hazardous Substance means any toxic, radioactive or hazardous material, waste, pollutant or contautittaut which has characteristics which render the substance dangerous or potentially dangerous to the public health, safety, welfare or euvirowneut. The teen includes, without 1uuitatiou, any substances defined as "hazardous material," "toxic substances," "hazardous waste" or "hazardous substance" under any Euvirowneutal Law. Trustor represents, warrants and agrees that: A. Except as previously disclosed and acknowledged in writing [o Beneficiary, no Hazardous Substance is or will be located, stored or released ou or in the Property. This restriction does not apply to small quantities of Hazardous Substances that are generally recognized to be appropriate for the uoruial use and maintenance of the Property. B. Except as previously disclosed and acknowledged iu writing to Beneficiary, Trustor and every tenant have been, are, and shall remain iu full compliance with any applicable Euvirouuieutal Law. C. Trustor shall hmediately notify Beneficiary if a release or threatened release of a Hazardous Substance occurs ou, under or about the Property or there is a violation of any Euvirowuen[al Law concerning llte Property. Iu such au event, T rustor shall take all accessary remedial action iu accordance with any Euvirotuueutal Law. D. Trustor shall immediately notify Beneficiary iu writing as soon as Trustor has reason to believe there is any pending or threatened iuvestigatiou, claiut, or proceeding relating to the release or threatened release of any Hazardous Substance or the violation of any Euvirowneutal Law. 18. CONDEMNATION. Trustor will give Beneficiary prompt notice of any pending or threatened action, by private or public entities to purchase or take any or all of the Property through condemnation, eminent domain, or any other means. Trustor authorizes Beneficiary to intervene in Trustor's name iu any of the above described. actions or,clahns. Trustor assigns to Beneficiary the proceeds of any award or claim for damages connected with a condemnation or other taking of all or any part of the Property. Such proceeds shall be considered payments and will be applied as provided iu this Security Instrwuent. This assigmueut of proceeds is subject to the recurs of any prior mortgage, deed of trust, security agreement or other lien docwneut. 19. INSURANCE. Trustor shall keep Property insured against loss by fire, flood, theft and other hazards and risks reasonably associated with the Property due to its type and location. This iusurauce shall be maintained in the amounts and for the periods that Beneficiary requires. What Lender requires pursuant to the preceding sentence eau change during the term of the loan. The insurance carrier providing the iusurauce shall be chosen by Trustor subject to Beneficiary's approval, which shall not be unreasonably withheld. If Trustor fails to maintain the coverage described above, Beneficiary may, at Beneficiary's option, obtain coverage to protect Beneficiary's rights iu the Property according to [he teens of this Security Instrwuent. All insurance policies and renewals shall be acceptable to Beneficiary and shall include a standard "mortgage clause" and, where applicable, "loss payee clause." Trustor shall inuucdiately notify Beneficiary of caucellatiou or termination of rite insurance. Beneficiary shall have the right to hold the policies and renewals. If Beneficiary requires, Trustor shall immediately give to Beneficiary all receipts,.of..paid,.,premiwus,:aud,,.rettt«,tv~l notices. Upon loss, Trustor shall give iinmediate notice to the iusurauce carrier au `$enefic'iaryrs'Betieficiaty;;iha' m e proof of loss if uo[ made hmnediately by Trustor. h::t: i t1 ri:iE`J.:.L ~'~fit~:7t] f lit ,2.1}3i .t~s9 .at+•rr'f 9!R •«'..•• _ . (page 3 of 4/ M ' ~~de p 1994 Bankers Systems, Inc., St. Cloud, MN Form - YNE"~1 %~0%2002 ~~ '-' ~3p~y r ` Urdess otherwise agreed iu writing, all iusurauce proceeds shall be applied to the iestoratiou or repair of the Property or to the Secured Debt, whether or not then due, at Beneficiary's option. Any application of proceeds to principal shall not extend or postpone the due date of [he scheduled payment -nor change the aniouut of any payment. Auy excess will be paid to the Grantor. If the Property is acquired by Beneficiary, Trustor's right to any iusurauce policies and proceeds resulting front damage to the Property before the acquisition shall pass to Beneficiary to the extent of the Secured Debt iumiediately before the acquisition. 20. ESCROW FOR TAXES AND INSURANCE. Unless otherwise provided in a separate agreement, Trustor will no[ be required to pay to Beneficiary foods for taxes and insurance in escrow. 21. FINANCIAL REPORTS AND ADDITIONAL DOCUMENTS. Trustor will provide to Beneficiary upon request, any financial statement or infornatiou Beneficiary may deem reasonably necessary. Trustor agrees to sign, deliver, and file any additional docmmeuts or certifications that Beneficiary Wray consider necessary to perfect, continue, and preserve Grantor's obligations mtder this Security htstrtunent and Beneficiary's licit status on the- Property. 22. JOINT AND INDIVIDUAL LIABILTTY; CO-SIGNERS; SUCCESSORS AND ASSIGNS~BOUND. All duties under this Security Ltstrument are joint and individual. If Trustor signs this Security Iitstrutneut .but does not sign au evidence of debt, Trustor does so ortty to mortgage Trustor's interest in the Property to secure payment of the Secured Debt and Trustor does not agree to be personally liable ou the Secured Debt. If this Security Instrmtteut secures a guaranty between Beneficiary and Trustor, Trustor agrees to waive any rights that may prevent Beneficiary from bringing any action or claim against Trustor or any party indebted under the obligation. These rights may, include, but are not limited to, any anti-deficiency or one-action laws. Trustor agrees that Beneficiary and any party to this Security Iustrumeut may extend, modify. or stake any change iu the terms of this Security Iustrmueut or any evidence of debt without Trustor's consent. Suclt a change will not release Trustor from the terms of this Security Irts[rwneut. The duties and benefits of this Security lustruntent shall bind and benefit the successors and assigns of Trustor and Beneficiary. 23. APPLICABLE LAW; SEVERABILITY; INTERPRETATION. This Security Instrwmeut is governed by the laws of the jurisdiction iu which Beneficiary is located, except to the extent otherwise required by the laws of the jurisdiction where the Property is located. This Security Iustrumeut is complete and fully integrated. This Security Iustrutuent. may not be amended or modified by oral agreement. Auy section in this Security Iustrmneut, attachuteuts, or any agreement related to the Secured Debt that conflicts with applicable law will not be effective, uriless that law expressly or hmpliedly perniits the variations by written agreetueut. If any section of this Security Ins[rmneut cannot be enforced according to its terms, that section will be severed and will not affect the enforceability of the remainder of this Security Instrument. Whenever used, the singular shall include the plural and [he plural the singular. The captions and headings of the sections of this Security Instrument are for convenience only and are not to be used to interpret or define the teams of this Security Instrmnent. Time is of the essence in this Security Iustrumeut. - 24. SUCCESSOR TRUSTEE. Beneficiary, at Beneficiary's option, may from time to thne remove Trustee and appoint a successor trustee without any. other formality than the designation iu writing. The. successor trustee, without conveyance of the Property, shall succeed to all the title, power and duties conferred upon Trustee by this Security Iustrumeut and applicable law. ` 25. NOTICE. Unless otherwise required by law, any notice shall be given by delivering it or by mailing it by first class mail to the appropriate party's address on page I of this Security Iustrumeut, or to any other address designated iu writing. Notice to one trustor will be deemed to be notice to all Crustors. 26. WAIVERS. Except to the extent prohibited by law, Trustor, waives all appraisemeut and homestead exemption rights relating to the Property. 27. OTHER TERMS. If checked, the following are applicable to this Security Iustrumeut: ^ Line of Credit. The Secured Debt includes a revolving line of credit provision. Although the Secured Debt tray be reduced to a zero balance, this Security Iustrumeut will remain iu effect until released. ^ Construction Loan. This Security Iustrmneut secures au obligation incurred for the construction of au nnptovemeut on the Property. ^ Fixture Filing.. Trustor grants to Beneficiary a security interest itt all goods that Grantor owns now or in the future and Hutt are or will become fixtures related to the Property. This Security Iustnunent suffices as a fiuahciug statement and any carbon, photographic or other. reproduction may be filed of record for purposes of Article 9 of the Uniform Coumtercial Code. ^ Riders. The covenants and agreements of each of the riders checked below are incorporated into and supplement and amend the terms of this Security htstrwneu[. [Check all applicable boxes] ^ Coudominiunt Rider ^ Planned Unit Development Rider ^ Other .................................................. ^ Additional Terms. SIGNATURES: By signing below, Trustor agrees to the.tenns and covenants contained iu this Security hts[rutneut and iu any attachments. Trustor also acknowledges receipt of a copy of this Security Iustnunent on the date stated on page 1. (Signature) STEVEN L. MANGERS C~% ii (Date) (Signature) J ITH G. MANGERS ~ (Date) ACKNOWLEDGMENT: STATE OF NE9PASKA .......................:......:...... COUNTY OF ADAMS............................................) ss. ~'"`"'d"~~ This instrument was acknowledged before me-this ........207H....... day of ................kIOVEM6FR,.2DA7................. by S.TEVENL,MANGF,RS.J.UOITH.D,IdANGFAS.HUSBANRAND.VtIFE ......................................................................... . My couunissiou ex fires: ~~j~ ~ n -- ~~~,~.i/ 6EMERALNOTARY-Biala of Nebraska /~%~,~~i....~}.~4~G1' OEBRA J. BAATt1NE1C' • . . • • • ... • . .. ....(Notary Pub ~,, M9 Caaint. ~ f10.4 2011 ~e~" ©1994 Bankers Systems, ~nc•, st. cio~ , F/fR'fo~m - i (page 4 of 4/ ~of•~