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Open to the general public – Registration requested
Silent Mentors in Literacy Education
Wednesdays: Jan. 28, Feb. 11, 25, Mar. 11, 25
6:30 – 7:30 p.m.
Children read aloud to therapy pets from the FURever As Friends (FAF) organization.
Celebrate Black History Month
Bessie Coleman
Sunday, February 8, 3:00 p.m.
Dressed in an authentic bomber's jacket, boots, scarf, and performing as if standing on a wing of a plane, Dr. Daisy Century portrays Bessie Coleman, the first African-American woman to become a licensed airplane pilot. Thrill to tales of barnstorming, stunts with parachutes. "Bessie" will have a pattern for the younger audience members to create their own plane.
Light refreshments will be served at the conclusion of the program
Celebrate Women's History Month
Nobody Owns the Sky: Fascinating Stories of Forgotten Female Aviators
Sunday, March 22, 3:00 p.m.
Long before Amelia Earhart's famous exploits, female flyers had already proved that aviatrixes were every bit as brave and daring as their male counterparts. Flying in flimsy wood and canvas aero planes, they awed people on the ground. Carol Simon Levin, as Elinor Smith Sullivan, brings their stories to life.
Light refreshments will be served at the conclusion of the program


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Our Venues
Dream Bags Jaguar Shoes
A bar, cafe and exhibition space in East London's Shoreditch.
Our flagship venue, it's name comes from the 1980's Bag and Shoe wholesalers that once occupied our building, whose signage still adorns the shop front…. In a time before bars and art galleries, this was the primary industry in Shoreditch.Find out more…
The Old Shoreditch Station
A cafe bar and exhibition venue in a decommissioned train station.
Once part of the Great Eastern railway, this venue was the original Shoreditch station. It is now our café bar where we focus on great coffee during the daytimes and on whiskeys, wines and specialty beers in the night-timesFind out more…
Hand of Glory
The dark art of brewing cider, rural food & Wiccan arts in a British folklore inspired pub sited within the original 'Amhurst' public house, that holds a liquor licence dating back to the 1800's, when the surrounding area was primarily fields and farmland.
Focusing a curated selection of countryside ciders, which include a rotating selection of 'Deadly Ciders' from some of the UK's best independent brewers and a special guest culinary residence from Nino's Food Co.Find out more…
The Victoria
Our latest venue, The Victoria is a 'working persons club', a place where you come to let your hair down after a hard day in the Mac mine. Relaxed, familiar, playful. That's the proposition at the Victoria. A friendly local pub, with great rums, a good atmosphere and one of the best live music rooms in East London.Find out more…

subset: commoncrawl


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When you want to get your game on, you need to consider a gaming-centric laptop like the Alienware M17xR4 -7995BK 17.3" Gaming Notebook Computer (Black). It has the bells and whistles that gamers look for when buying a gaming laptop.
It starts with the 2.3GHz Intel Core i7-3610QM Dual-Core (which can be overclocked to 3.3 GHz) with a 6MB cache. Add to that 6GB of 1600MHz DDR3 RAM, and you've added some muscle to the engine. Top it off with a 500GB 7200 rpm hard drive, and you have a solid base for a gaming machine.
To show off that power you'll need a kick in the graphics. The Alienware M14x provides a 14" HD widescreen LED-backlit display with a native 1366 x 768 resolution. The graphics card running this display is an AMD Radeon HD 7970M Graphics with 2GB of discrete RAM. Add a pair of integrated speakers running Creative Sound Blaster Recon3Di with THX TruStudio Pro Software and you have a multimedia powerhouse.
You're connected by a wide range of ports and terminals. From USB 3.0 to the VGA, HDMI and Mini DisplayPort, you can watch the visuals on your screen or on a larger monitor or HDTV. You'll also appreciate the 9-in-1 Media Card reader with SD, SDIO, SDXC, SDHC, MS, MS Pro, MMC, MSXC and xD-Picture support. There's also an integrated SuperMulti DVD+-R/RW slot-loading optical drive with dual-layer support, along with a webcam and microphone.
Gaming online won't be a problem. The communication network in this machine includes integrated 10/100/1000 Gigabit Ethernet, Wireless-N and Bluetooth connectivity. Even the keyboard features some nice backlight enhancements - the AlienFX illuminated keyboard allows up to 512 billion distinct lighting combinations, and you can personalize the lighting to respond to in-game events. It also includes a multi-touch touchpad with gesture controls.
When it's time to get your game on, make sure you're prepared with a powerful processor, decent graphics card and other amenities that will make your experience a pleasant one.
- The Power to Play
- Amazing graphics bring your games to life. Discrete GDDR5 mobile graphics - the most advanced graphics memory available - and Intel Core processors provide enhanced performance in this laptop.
- Untangle Yourself from Cord Clutter
- Join the online gaming community with built-in high-bandwidth Wireless N connectivity. Bluetooth 4.0 enables you to connect your compatible wireless devices, so you can enjoy wireless freedom, and optional WiMAX 4G enables a fast connection, no hotspot required. (WiMAX connectivity requires a subscription to a WiMAX broadband service. Additional software or hardware may be required at extra cost. Coverage area is limited; check with your service provider for details on availability and network limitations.)
- Get Connected and Game On
- Stay plugged in via a variety of ports, including USB 3.0, Mini DisplayPort, HDMI and VGA, or import data from a variety of digital cards, flash drives and memory sticks with a 9-in-1 media card reader. Plus, with the USB 2.0 eSATA combo port featuring Alienware PowerShare, you can charge your connected peripherals, even when the system is powered down.
- Your Game Domain.
Alienware Command Center software features a powerful suite of customization options to make your M14x your own.
The new AlienAdrenaline feature enables Game Mode, which lets you give each of your games a unique profile on your system. Disable unnecessary programs and activate your music player when you launch one game, or bring up key web links when you launch another.
AlienFX System Lighting Technology gives you access to a variety of themes and up to 512 billion distinct lighting combinations, so you can personalize as much as you like. Customize your system with game themes that respond to many in-game events with unique lighting effects to complete your immersion.
AlienFusion power management controls allow you to configure your settings in order to maximize performance and efficiency while managing power usage. Crank up the settings for hardcore gaming and resource-intensive tasks, or scale it back for running everyday programs.
Customize your touchpad's sensitivity to prevent accidental contact, and activate virtual scrolling to enable vertical and horizontal scrolling with just a touch.
- Make an Impression
- The Alienware M17x features tapered edges designed for style as well as comfort. Seamlessly integrated rubberized edges protect the screen when the lid is closed. A touchpad centered to your home keys prevents accidental touch when typing. Rear power cord positioning is enabled via a standalone port.


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|31 Mar 2015:
|IBM and The Weather Company Partner to Bring Advanced Weather Insights to Business
|31 Mar 2015:
|IBM Connects "Internet of Things" to the Enterprise
|26 Mar 2015:
|National Health Service in England and Wales Selects IBM to Enhance Electronic Staff Record System
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|Russia's Leading Investment Bank BCS Financial Group Selects IBM Commerce to Bring New Experiences to its Clients
|19 Mar 2015:
|IBM Invests in Modernizing Medicine to Accelerate Adoption of Watson Technologies in Healthcare
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|03 Mar 2015:
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|02 Mar 2015:
|Next IBM MobileFirst for iOS Apps Unveiled
|24 Feb 2015:
|IBM And Juniper Networks Partner To Build Smarter Networks With Predictive Analytics
|23 Feb 2015:
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|20 Feb 2015:
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|19 Feb 2015:
|IBM Study: The Real Story Behind Millennials in the Workplace
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|17 Feb 2015:
|IBM Accelerates Data Science Success for the Enterprise
|10 Feb 2015:
|IBM Unveils One Channel Team to Propel Business Partner of the Future
|10 Feb 2015:
|IBM, SoftBank Alliance to Bring Watson to All of Japan


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GameStop completely shuts off Wii U preorders
A mere few days after the official Wii U announcement, GameStop ceased taking preorders for the 32GB Wii U bundle. As of yesterday, they officially stopped taking preorders on either model -- so don't count on GameStop if you want to jam with Mario this holiday season.
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GameStop joins the growing list of retailers screwed by Nintendo's US amiibo rollout
8:00 AM on 02.06.2015


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IPv6: How the rest of the world lives
GSA ensuring offerings are IPv6 compliant
Federal agencies are supposed to have their network backbones upgraded to IPv6 by June 30, under a directive the Office of Management and Budget issued in 2005. However, only a third of agency leaders are confident that they can meet the deadline, according to a survey.
ScienceLogic conducted the survey, drawing its sample from high-level federal officials who attended the FOSE trade show in Washington earlier this month. Drawing on 107 responses, ScienceLogic found that 6 percent said their agencies are ready now and 22 percent think they will meet the deadline. But another 33 percent said their agencies will not be ready in time, and the rest aren't sure.
IPv6, the Internet protocol that will eventually replace the current IPv4, features the ability to accommodate a much larger number of unique IP addresses, and is more secure. The OMB mandate applies only to the core network components, not to the applications that agencies will need to implement to gain the real advantages of the protocol.
"It's the first step in the process, and it's an important one," said David Link, chief executive officer at ScienceLogic. "If you don't have the core of the network running [version 6], you can't go on to the next step."
Other findings of the survey:
* Eighty-five percent consider virtualization to be important, but only 15 percent have a solution in place. Virtualization allows the consolidation of servers so a much smaller number of machines are needed to meet the organization's needs. Virtualization technologies are still maturing, one of the few reasons Link said agencies are moving forward slowly.
* Almost 75 percent said green information technology is important to them, but only 13 percent have any tools in place. Link said most of the respondents detailed their own personal actions -- such as setting their computers to enter sleep mode after a short time of idleness -- rather than agency initiatives.
* Web 2.0 may be catching on fast. About 65 percent of the respondents said Web 2.0 tools are important, and 52 percent have specific plans to have Web 2.0 solutions in place by next year.
About the Author
Technology journalist Michael Hardy is a former FCW editor.
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Unisys Federal Systems' Venkatapathi Puvvada, this year's Eagle award winner for industry, stresses the importance of community.
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Protests have delayed SEWP V, but industry experts say the contract vehicle offers agencies service and value that are hard to find.
The power of the individual informs FCW's coverage each and every day, but with the Federal 100, we take time to really spotlight and celebrate it. Get to know each of this year's winners.
The latest version of the Cybersecurity Information Sharing Act purportedly protects companies from liability and individuals from government intrusion.
Popular CIO is headed for the private sector.
The Census Bureau hasn't established a time frame for its cloud computing plans, including testing for scalability, security, and privacy protection, as well as determining a budget for cloud services.
President Obama's proposal to boost government coordination with the private sector got a warm welcome in the House Homeland Security Committee.
The spy agency wants to better integrate cybersecurity into its traditional human intelligence operations.
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SUMMARY: The Forum is a new (two weeks old) section in our MarketingFAME newsletter that is designed to help consultants share tips to grow healthy and satisfying businesses.
This week Karen Bergh of RainMaker Pro Inc., shares her five tips on how to get clients to refer you. Since referral business is the most plentiful and profitable type for many consultants, we think you will find this article very useful.
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Keep up with the news by installing RT's extension for . Never miss a story with this clean and simple app that delivers the latest headlines to you.
Breaking news
Russia to apply for China-led infrastructure bank AIIB – Deputy PM
Academy Award winning filmmaker Errol Morris discusses his latest film, The Unknown Known. In it, Morris, who won an Oscar for The Fog of War about Robert S. McNamara, trains his lens on Donald Rumsfeld, one of the Iraq War's chief architects.
An Inside Look at Providing News With An 'Outsider's View'
Barney Frank says Obama was naive, Biden Is undisciplined & Boehner not as smart as predecessors
An inside look at ISIS


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text: Segall named publisher of 'The Hollywood Reporter' Published on June 21, 2011. 0 Reprints Reprints Ad Age LookBook Weekly Feature Ad Spending for 100 Largest B-to-B Marketers Nears $5 Billion Learn more New York—Lynne Segall has been named senior VP-publisher of Prometheus Global Media's The Hollywood Reporter. Segall joined THR from PMC Media Corp., which publishes DeadlineHollywood.com. Prior to that, Segall was VP-entertainment, fashion and luxury advertising at the Los Angeles Times. She also spent two decades at THR as VP-associate publisher. Lori Burgess, who was named THR publisher last year, will remain with Prometheus Global Media. In this article: BtoB Advertisement Read These Next Pepsi Passes Diet Coke in Market Share as Artificial Sweeteners Fall Out of Favor E.J. Schultz on 03.26.2015 111 0 See Five of Asia's Best Campaigns From AdFest Normandy Madden on 03.26.2015 89 0 Women Make Up 31.5% of Cannes Lions Juries For 2015 Emma Hall on 03.26.2015 45 0 Comments (0)


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Our special coverage of the closest race for years
Explore the personal stories of Syrian refugees in Lebanon
25 Nov 2012 19:24 GMT | Sport, Football
Rafael Benitez was the target of angry jeers and taunts from fans of his new club Chelsea on Sunday as his tenure as manager began with a 0-0 draw at home to Manchester City.
Appointed as first-team coach on an interim basis after Roberto Di Matteo was sacked, Benitez has not been forgiven by some Chelsea fans for his spell as manager of rivals Liverpool.
He was roundly booed prior to kick-off at Stamford Bridge, while fans chanted in support of Di Matteo and brandished banners bearing the Italian's name.
"I can guarantee that I'm focused on the game, so I don't listen to the crowd," Benitez told Sky Sports afterwards.
"If they say something or not, the main focus is on the team. I was not listening, I was just concentrating on the game.
"You could see my body language in the dug-out. I was trying to give instructions to my players, and that was it."
Drab performance
The game itself was forgettable and saw City squander the opportunity to recover first place in the table from Manchester United, who beat Queens Park Rangers 3-1 on Saturday.
The defending champions now trail United by a point, with Chelsea four points further back in fourth place and without a win in five games.
Benitez recalled Fernando Torres, his former protege at Liverpool, and kept faith with the attacking trident of Eden Hazard, Oscar and Juan Mata deployed by Di Matteo.
While Benitez had to endure a hostile reception, Chelsea's fans reserved a respectful tribute for their late manager Dave Sexton prior to kick-off, with a minute's applause observed to mark his passing on Saturday at the age of 82.
It was the visitors who created the clearest chances of the first half, with David Silva heading over a cross from Pablo Zabaleta, who also obliged Petr Cech to save with his legs.
Torres and Ashley Cole both shot over for Chelsea in the second half, while City left-back Aleksandar Kolarov headed straight at Cech in injury time.
"We had the better chances - I think that we lost two points," said City coach Roberto Mancini.
"We dominated the first half, but the second half was not quite like that.
"(The atmosphere) was difficult for them, but we played well. Last year we lost a good game (2-1), this year we took one point."
Spurs win
Tottenham Hotspur climbed up to seventh place, level on points with north London rivals Arsenal, after ending a three-game losing streak with a 3-1 win at home to West Ham United.
Referee Mark Clattenburg made his return as the fourth official at White Hart Lane, in his first engagement since he was cleared by the Football Association over allegations he racially abused Chelsea midfielder John Obi Mikel.
Jermain Defoe broke the deadlock just before half-time with a superb individual effort, while the irrepressible Gareth Bale got on the scoresheet in the 58th minute before Defoe tapped home a second.
On-loan Liverpool striker Andy Carroll replied for the visitors in the 82nd minute to claim his first goal of the campaign.
Newcastle United coach Alan Pardew's return to former club Southampton ended in defeat as the Saints won 2-0 to record a second consecutive victory and move out of the relegation zone.
Record signing Gaston Ramirez set up captain Adam Lallana in the 34th minute and then got on the score-sheet himself on the hour to condemn Newcastle to a third straight league defeat.
Earlier, Liverpool coach Brendan Rodgers had to content himself with a 0-0 draw on his return to former club Swansea City, as the Reds extended their unbeaten league run to eight games.
The result took Liverpool back above Stoke City into 11th place and saw Swansea climb to ninth.
Rodgers' impact on the playing styles of both sides was evident throughout an even game at a rain-soaked Liberty Stadium, as the two teams sought to control possession with exchanges of short passes.
Spanish midfielder Pablo Hernandez twice threatened for Swansea in the first half, while Liverpool had a Jose Enrique goal disallowed for offside and saw teenage winger Raheem Sterling crack the crossbar with a fierce half-volley.
Swansea goalkeeper Gerhard Tremmel had to save from Luis Suarez, twice, and Jonjo Shelvey after half-time, with the hosts' best chance an Ashley Williams header that Swans old boy Joe Allen cleared off the line.
Source: AFP
Man United score three times in eight minutes to beat English strugglers QPR 3-1 in front of new manager Harry Redknapp.
Sport, Football
Rafa Benitez endures eventful first day as English FA dismiss Chelsea's 'racism' referee complaint and Mikel is charged.
Sport, Football, Japan
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In religiously conservative Brazil, women risk jail time and their lives to undergo the procedure that is illegal but commonplace.
Health, Human Rights, Latin America
Trash is a fast-growing import in the Scandinavian country, which turns it into heat for people's homes.
Environment, Europe, Sweden
Critics say the UK's home secretary is using Muslims as a 'political punchbag' in a bid to shore up right-wing support.
Human Rights, Politics, Racism
2014 was the worst year in more than a decade for polio infections, with at least 306 new cases reported.
Polio, Asia, Pakistan
Official vote count to resume on Tuesday with opposition challenger leading President Jonathan in overall tally.
Politics, Africa, Nigeria, Elections, Nigeria Decides
At least 40 dead amid conflicting reports on whether camp in Hajjah was housing displaced people or Houthi fighters.
War & Conflict, Middle East, Yemen, Saudi Arabia, Houthis
It is a source of sustenance but also of tension and new political realities are now increasing uncertainty.
Egypt, Sudan, Middle East
A media post-mortem into the UK's surveillance report. Plus, why five years on in Argentina the media looks so familiar.
Media, Edward Snowden, Security
The untold story of how the Lebanese community overcame the odds and found their place in multicultural Australia.
Asia Pacific, Australia, Lebanon
How to keep a telenovela profitable and demanding sponsors happy while inspiring the production team to stay passionate.
Arts & Culture, Mexico, Latin America


text:
Boomer Consumer
The Boomer Consumer is dedicated to helping boomers get what they want in life through using consumer information, making effective choices, and sharing their own experiences.
Posts filtered on Category
Study finds toxic chemicals in most of couches tested
Most couches contain high levels of toxic or untested flame retardants linked to cancer, hormone disruption, and other health effects, according to a new study appearing today in Environmental Science and Technology. Health advocates are urging state legislators to pass the Toxic-Free Kids and Families Act, a bill that would phase out the use of […] [Read More]
Today is Food Day: Take action to celebrate healthy, affordable, sustainable food
On Food Day, a day of celebration and action, take the time to celebrate food by joining an activity or finding a way to enjoy or advocate for healthy, affordable, sustainable food. Check out the map at FoodDay.org for events in your area. Coordinated by the Center for Science in the Public Interest, the purpose […] [Read More]
Consumer group asks FDA to put black box warning on 19 widely used high blood pressure medications
The U.S. Food and Drug Administration should place a black box warning on three classes of drugs used to treat high blood pressure, cautioning doctors and patients about the dangers of using combinations of the drugs. Studies show combined usage doesn't provide an added benefit over the use of the drugs individually, Public Citizen said […] [Read More]
More studies show soda, sugary drinks linked to weight gain
Two new studies are adding to the evidence showing that soda and other sugary drinks promote weight gain and obesity. "Considering the enormous personal and economic costs of obesity, it's high time for concerted action at all levels of government to reduce consumption of sugary drinks," Michael Jacobson, executive director of Center for Science in […] [Read More]
First reports in Wash. state of chemicals in children's products show toxins common
For the first time, makers of children's products are disclosing the presence in their products of 66 toxic chemicals that are a concern to children's health. The reports filed with the Washington State Department of Ecology report chemicals linked to cancer, learning problems, and reproductive abnormalities. The chemical use reports are available online at: www.ecy.wa.gov/programs/swfa/cspa/. The reporting […] [Read More]
Coalition urges USDA to withdraw proposal to speed up poultry lines and turn inspection over to company employees
Years ago when I worked as a correspondent and columnist for The Spokesman Review, I did research for an article on meat inspection. An issue at the time was the speeding up poultry lines, which makes it more difficult for employees to see tumors and other defects and increases safety hazards. Another issue was turning […] [Read More]
You're a target: Boomers, seniors need to watch out for fraud
Consumers lose billions of dollars every year to various kinds of consumer fraud. People age 50 and older are especially vulnerable and account for more than half of all victims, according to an AARP study. AARP joined with consumer advocates Monday at Scam Jam in Burien to let older consumers know how they can spot and […] [Read More]
Baby boomers shunning marriage with higher rates of divorce and cohabitation
By Rita R. Robison When doing some research on baby boomers today, I ran across two interesting studies on baby boomers and marriage. Divorce rates are higher for baby boomers than for any previous generation, while rates are declining slightly for society as a whole, reports a McClatchy article "Baby Boomer Couples Are Divorcing at […] [Read More]
Fires continue to burn in Central Washington
By Rita R. Robison This weekend, I went with my sister to a class reunion in Chelan, Wash. Since we were the organizers, we were worried about whether we might have to cancel the event due to the fires. Fortunately, we were able to get there. We were concerned about road closures. From a consumer […] [Read More]
Many cleaners contain toxic ingredients, and some green cleaners don't list ingredients, consumer group says
Some household cleaning products can expose unsuspecting users to toxic substances linked to short- and long-term health problems, including asthma, allergic reactions, and cancer, according to the Environmental Working Group. To help consumers find safer products, the EWG is offering an online guide that rates more than 2,000 household cleaners with grades A through F […] [Read More]
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Davis at the Legislature: Rain, brand fees, state aid to schools
Getting a handle on the federal budget
More opinion
Registration open for UNL ranch practicum
Governor appoints new District 4 representative to Nebraska Wheat Board
More Ag News
Click Here for theHOTTEST SHEETS!
The Buffalo Bill Softball Tournament will begin at 7 p.m. Friday in North Platte and continue at 8 a.m. the next morning. The final games are set for 6 p.m. Sunday.
Thirty-two teams will compete.
All games will be played at the Dowhower softball complex between Sycamore and Ash at Gail Wicks Drive/16th St.
Local teams will play five games Friday night to start the tournament.
There are four age divisions in the tournament. Seven teams will compete in the 10 and under division, 10 teams in the 12 and under division, eight teams in 14U and seven teams in the combined 18U and 16U division.
Flatrock Publishing, Inc.
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I propose a new structure for U. S. Federal debt. All debt should be perpetual, paying coupons forever with no principal payment. The debt should be composed of the following:
- Fixed-value, floating-rate debt: Short-term debt has a fixed value of $1.00, and pays a floating rate. It is electronically transferable, and sold in arbitrary denominations. Such debt looks to an investor like a money-market fund, or reserves at the Fed.
- Nominal perpetuities: This debt pays a coupon of $1 per bond, forever.
- Indexed perpetuities: This debt pays a coupon of $1 times the current consumer price index (CPI).
- Tax free: Debt should be sold in a version that is free of all income, estate, capital gains, and other taxes. Ideally, all debt should be tax free.
- Variable coupon: Some if not all long-term debt should allow the government to vary the coupon rate without triggering legal default.
- Swaps: The Treasury should manage the maturity structure of the debt, and the interest rate and inflation exposure of the Federal budget, by transacting in simple swaps among these securities.


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For filings with the FCA include the annex For filings with issuer exclude the annex TR-1: NOTIFICATION OF MAJOR INTEREST IN SHARESi 1. Identity of the issuer or the underlying issuer Premier Farnell of existing shares to which voting rights are Plc attached:ii 2 Reason for the notification (please tick the appropriate box or boxes): An acquisition or disposal of voting rights Y An acquisition or disposal of qualifying financial instruments which may result in the acquisition of shares already issued to which voting rights are attached An acquisition or disposal of instruments with similar economic effect to qualifying financial instruments An event changing the breakdown of voting rights Other (please specify): 3. Full name of person(s) subject to the Schroders plc notification obligation:iii 4. Full name of shareholder(s) (if different from 3.):iv 5. Date of the transaction and date on which the threshold is crossed or 13.08.13 reached: v 6. Date on which issuer notified: 14.08.13 7. Threshold(s) that is/are crossed or 11% - 12% reached: vi, vii 8. Notified details: A: Voting rights attached to shares viii, ix Class/type Situation previous Resulting situation after the triggering transaction of to the triggering shares transaction if possible Number Number Number Number of voting % of voting rights using of of of shares rights x the ISIN Shares Voting CODE Rights Direct Direct xi Indirect xii Direct Indirect Ordinary GB0003318416 41,214,586 41,185,270 44,760,529 N/A 44,731,213 N/A 12.054% B: Qualifying Financial Instruments Resulting situation after the triggering transaction Type of Expiration Exercise/ Number of voting % of voting financial date xiii Conversion Period xiv rights that may be rights instrument acquired if the instrument is exercised/ converted. C: Financial Instruments with similar economic effect to Qualifying Financial Instruments xv, xvi Resulting situation after the triggering transaction Type of Exercise price Expiration Exercise/ Number of voting rights % of voting financial date xvii Conversion instrument refers to rights xix, xx instrument period xviii Nominal Delta CFD N/A N/A N/A 29,316 0.008% 1 Total (A+B+C) Number of voting rights Percentage of voting rights 44,760,529 12.062% 9. Chain of controlled undertakings through which the voting rights and/or the financial instruments are effectively held, if applicable: xxi Cazenove Capital Management Limited 35,547,047 9.579% Schroder Investment Management Limited 9,073,443 2.445% Schroder Investment Management North America Limited 140,039 0.038% Proxy Voting: 10. Name of the proxy holder: 11. Number of voting rights proxy holder will cease to hold: 12. Date on which proxy holder will cease to hold voting rights: The shares referred to in section 9 are held in portfolios 13. Additional information: managed by those firms on a discretionary basis for clients under investment management agreements. 14. Contact name: Laura Whelan 15. Contact telephone number: +44 207 658 6000 END -0- Aug/14/2013 13:02 GMT
PREMIER FARNELL PLC: Holding(s) in Company
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Sequart Archives - Comics Should Be Good! @ Comic Book Resources
What I bought – 10 November 2010
"Bonding is like the romance in an Arnold Schwarzeneggar movie."
If it happens along the way, fine."
But it ain't the reason you go there." (Bruce Feirstein, from Real Men Don't Bond)
Flippin' through Previews – August 2010
Can you stand the suspense?!?!?!?
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Great site!
While searching for a pattern of Uncle Sam to put on 4x4's, I came across this lady's site.
It is mostly painted gourds but the ideas could be used on anything... especially bird houses.
Each item has detailed close ups! Especially like the close ups of the Buzz-off gourd!
And, I never did find an Uncle Sam pattern, so if any one knows of one..please share!
Here is a link that might be useful: Site with closeups!
Great site Gram.
There are a couple on this site.
I'll put up links for you too.
Here is a link that might be useful: Primitive Uncle Sam
Here's another.
Here is a link that might be useful: Patriotic Whirligig
And another.
You can see the one I painted from this free pattern over on the Gallery section on page 2. I'd have posted the pic here, but photobucket is apparently having a problem.
Hope these help!! Can't wait to see what you come up with!
Here is a link that might be useful: Patriotic Basket
Thanks, Anj. I should have looked at the Gallery here first.
Your basket is awesome!
I still have a bunch of 4x4 scraps left even after doing all the pumpkins so I thought ....Uncle Sam. One is quite short so I think I may try judy doing his head using luvs Sam paver for the pattern and nailing some 1x1'a around it for the brim of his hat. Thanks, Luvs!
You all are the best!


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For the first time since the recession started, the college enrollment rate among young people has slipped, possibly signaling slower growth in student debt amid soaring delinquency rates and poor employment prospects.
In October 2012, 32.7% of people 16 to 24 years old were enrolled in college, the Labor Department said Wednesday in its annual reading. That's down from 33.4% a year earlier. The last time there was a decline was in 2006.
The total number enrolled also dropped to 12.7 million from 12.8 million, despite a slight uptick in the number of fresh high school graduates entering college.
Trillion-Dollar Problem
The decline comes as student debt closes in on the $1 trillion mark and threatens to hobble borrowers as well as the economy for years to come.
A recent New York Federal Reserve study found younger holders of student debt have slashed the amounts of credit card, auto and mortgage debt compared to 2005, weighing on consumption.
Smaller loads of other types of credit haven't necessarily made servicing student debt any easier. For example, much of the decline in non-student debt has come from mortgages, but people without mortgage debt must still pay rent.
And because many Americans remain unwilling or unable to buy homes, demand for apartments is up and rents are surging.
Not surprisingly, delinquency rates on student loans are rising. The share of borrowers younger than 30 years old who are in repayment and more than 90 days delinquent was 34.9% in 2012 vs. 26.1% in 2008 and 21.2% in 2004.
Young people's employment prospects are grim too, and those with jobs often take less pay to work in fields that don't require college degrees.
While more were employed in October compared to a year earlier and fewer were in college, the labor participation rate among those aged 16-24 fell to 55.3% from 55.9%.
But the mountain of student debt still looks to grow at a worrisome pace. Last fall's 32.7% enrollment rate remains above the rate seen before the recession, when it was below 30%.
It still pays to go to college. Young people with bachelor's degrees or higher still enjoy the highest employment rates.
And despite recent payroll gains in lower-skilled industries, the job picture for young people who dropped out of high school actually got worse last year.
The share of male dropouts with jobs sank to 52.1% from 59.3%, and their participation in the labor force also slipped. Employment among female dropouts fell to 35.6% from 39.3%.
Personal incomes rose 4.5% vs. year-ago levels in February, while wages were up by the same amount. Both were slightly lower rates of growth than in January, but still stronger than inflation, which is up only 1.4%. Federal Reserve officials have wanted to see wages rising faster than inflation ...
Home sales popPending home sales rose 3.1% in Feb. to touch the highest level since June '13, the Nat'l Assn. of Realtors said. Forecasts had called for a 0.3% gain. Feb. sales were led by sizeable increases in the Midwest and West, NAR said. At 106.9, its index is 12% higher than Feb. '14. Texas ...
The economy grew at a 2.2% annual rate in Q4's final reading, unchanged from the earlier version and missing expectations of an upward revision to 2.4%. For all of 2014, GDP expanded 2.4%. Despite the slightly disappointing "new normal" reality of tepid growth, some of the details of the ...
Q4 GDP finalized The economy expanded 2.2%, as originally estimated, and just shy of the 2.4% economists had expected the revision to show. Some of the details were revised, including a 4.4% pace of consumer spending that was even better than the 4.2% originally reported. For all of '14, the ...
Jobless claims tumbled again in the March 21 week, suggesting a labor market that's not only on firm footing, but one that's heating up. That's despite other economic data in 2015 that has generally been soft and below forecasts. Initial claims declined by 9,000 to 282,000, the Labor Department ...


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Bette and her husband were friendly, quiet, likable guests who left their room neat….they left early AM to attend a function, and left a nice note for us…..we would love to have them back as guests and get to know them more.
Bette and her husband Bill are pretty cool people. Very devoted to their family and friends, friendly and considerate, and a pleasure to talk with. It was great to meet them. I would welcome them back in a heartbeat.
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LANDAMERICA FINANCIAL GROUP, INC. Commonwealth Land Title Insurance Company Transnation Title Insurance Company Lawyers Title Insurance Corporation Lawyers Title of Arizona, Inc. Capital Title Agency MOBILE HOME MANUAL Confidential LandAmerica Financial Group, Inc. – 1850 North Central – Suite 1200 – Phoenix, AZ 85004 - Phone: 602-257-2768 – Fax: 602-282-3663 MOBILE HOME MANUAL NOTICE..................................................................................................... 1 I. INTRODUCTION .............................................................................. 2 II. ARIZONA LAW GENERALLY ...................................................... 3 III. AFFIXTURE – EXISTING MOBILE HOMES.............................. 5 IV. AFFIXTURE - NEW MOBILE HOMES (DEALER TRANSACTIONS) ................................................................................. 8 IVa. AFFIXTURE – LEASEHOLD PROPERTY ................................ 1 V. NON-AFFIXED MOBILE HOMES .............................................. 10 VI. LIEN CREATION, DISCLOSURE AND RELEASE .................. 12 VII. PERSONAL PROPERTY TAXES .............................................. 15 VIII. FORECLOSURE ........................................................................ 16 IX. REISSUED TITLE ........................................................................ 17 X. UN-AFFIXING A MOBILE HOME .............................................. 18 XI. POWERS OF ATTORNEY .......................................................... 19 XII. VESTING/TITLE TO MOBILE HOMES ................................... 20 XIII. ASSUMPTIONS/WRAPS .......................................................... 21 XIV. MVD PROCEDURES ................................................................ 22 XV. POLICY ISSUANCE AND REQUIREMENTS ......................... 23 XVI. ESCROW CHECKLISTS .......................................................... 28 XVII. EXHIBITS ................................................................................. 32 NOTICE This Mobile Home Manual is the property of LandAmerica Financial Group, Inc., and its subsidiaries, Commonwealth Land Title Insurance Company, Transnation Title Insurance Company, Lawyers Title Insurance Corporation, Lawyers Title of Arizona, Inc., and Capital Title Agency, and is intended for the use and benefit of their employees, agents and other authorized personnel. No reproduction, distribution or transmission of this Manual or the materials contained herein to other than the employees, agents or other authorized personnel of these Companies is permitted without the express written permission of the Companies' Arizona Legal Department. Revised June 2005 Last Update – February 2008 1 I. INTRODUCTION This Mobile Home Manual is intended to assist escrow officers and title personnel in addressing the many issues that arise when a transaction involves a mobile home. The requirements for addressing such a transaction will vary depending upon whether the transaction involves an existing, new or used mobile home and whether the mobile home is, or is intended to become, affixed as a real property improvement. Moreover, because a mobile home is treated as personal property prior to the recording of an Affidavit of Affixture, it is subject to personal property tax assessments and to the jurisdiction of the Arizona Department of Motor Vehicles ("MVD") for title transfer and affixture purposes. Given the complicated nature of these transactions, you should familiarize yourself with the procedures set forth in this Manual prior to handling any transaction involving a mobile home. 2 II. ARIZONA LAW GENERALLY Under Arizona law, the owner of a mobile home that is permanently, physically attached to real property has the option of treating the mobile home as real property or personal property. To treat the mobile home as real property, the owner must record an Affidavit of Affixture with the applicable county recorder. (A copy of an Affidavit of Affixture is attached as Exhibit "A.") Once affixed, the mobile home becomes a real property improvement and is treated for tax and transfer purposes like any other house. The statutes setting forth the procedure for, and effect of, recording an Affidavit of Affixture make no distinction between single wide or sectional mobile homes. Those statutes read as follows: §42-15202. Assessment of permanently affixed mobile homes as real property. A mobile home that has been permanently affixed to real property and for which an affidavit of affixture has been recorded pursuant to this article shall be assessed as real property. §42-15203. Affidavit of affixture. A. A person who owns a mobile home that is permanently affixed to real property may file an affidavit of affixture with the county recorder of the county in which the real property is located. B. An affidavit of affixture shall contain all of the following: 1. The vehicle identification numbers of the mobile home. 2. The legal description of the real property to which the mobile home has been affixed. 3. A statement that the mobile home has not previously been assessed and taxed in this state as personal property or the name and address of the person to whom the last tax statement for the mobile home was sent and the location of the mobile home when it was last taxed. 4. The name of the holder of any security interests in the mobile home that are not terminated by consent of the secured party contained on the affidavit of affixture pursuant to subsection C of 3 this section and the original principal amount secured by the security interest. 5. As an attachment, the department of transportation's receipt [for surrendered certificates of title or manufacturer's statements of origin] issued pursuant to section 28-2063, subsection A, paragraph 3. C. The recording of an affidavit of affixture does not impair the rights of any holder of a perfected security interest in the mobile home unless the affidavit of affixture contains the acknowledged consent of the secured party to the termination of the security interest. If a secured party so consents, that security interest terminates when the affidavit of affixture is recorded. D. If an affidavit of affixture is submitted for recording on a mobile home entering this state for sale or installation, a certificate of compliance or waiver issued by the office of manufactured housing is required and shall be submitted with the affidavit of affixture. §42-15204. Transition from unsecured to secured roll. After the affidavit of affixture has been recorded, the mobile home shall remain on the unsecured property tax roll until the next real and secured property tax roll is prepared, at which time it shall be transferred to the real and secured property tax roll and shall be considered for all purposes to be a fixture and a real property improvement. §42-15205. Perfecting liens on permanently affixed mobile homes. Liens on permanently affixed mobile homes that are assessed under this article shall be perfected either in the manner provided by law for perfecting real property liens or in the manner provided by law for perfecting security interests in fixtures. 4 III. AFFIXTURE – EXISTING MOBILE HOMES If a buyer is obtaining a new loan to purchase an existing mobile home, or if a seller is taking a carryback note and deed of trust, our preference is to have the mobile home affixed as a real property improvement. In addition, most institutional lenders require that a mobile home be affixed as a real property improvement before they will fund a loan. The following procedures should therefore be followed when an existing mobile home on the property is affixed or is to be affixed: A. INITIAL STEPS. 1. If you are not familiar with the legal description of a new escrow, ask the individual opening escrow if the property includes a house or a mobile home. 2. If the residence is a mobile home, then (a) reflect that information on the order sheet and (b) ask whether the mobile has been or will be affixed as a real property improvement. 3. If the mobile home has been affixed, proceed to Subpart III.B. If the mobile home has not yet been affixed but will be as part of your escrow, proceed to Subpart III.C. If the mobile home is not to be affixed, proceed to Part V. B. EXISTING MOBILE HOME – PREVIOUSLY AFFIXED. 1. If the mobile has been affixed, obtain a copy of the recorded Affidavit of Affixture. Keep a copy in the escrow file and give one to the buyers so they have a description of the mobile home for their hazard insurance agent. If the buyers are obtaining a new loan, the lender will also usually require a copy. 2. If the "ADOT Receipt for Surrendered Mobile Home Documents" (at the bottom of the Affidavit of Affixture) lists a lienholder, that is a lien on the subject property. If no release is recorded, the commitment will make a requirement for release of the lien. Procedures for obtaining the release are set forth in Part VI. Review this section carefully to ensure that you (1) obtain a proper release and (2) do not inadvertently create a lien. 3. If the Affidavit of Affixture has been of record less than two years, the commitment will call for payment of personal property taxes. Procedures for obtaining personal property tax information and paying such taxes are set forth in Part VII. As used throughout this Manual, "affixed" or "affixture" means that the mobile home is not only physically attached to the real property but that an Affidavit of Affixture has been or will be recorded. 5 4. Your recording package should include the deed, any lien releases and any new encumbrance. C. EXISTING MOBILE HOME - TO BE AFFIXED. 1. If the mobile home has not been affixed, then not only will an Affidavit of Affixture need to be recorded, but the seller will need to assign the title to the mobile home to the buyer. (A sample Certificate of Title is attached as Exhibit "B.") 2. There should be one Certificate of Title for a single wide mobile home, two for a double wide, etc. For a multi-section mobile home, the Certificates of Title will look similar with one digit or letter difference in the Vehicle Identification Number ("VIN") and different title numbers. Escrow should clarify with the sellers or their agent how many units are involved. 3. You should obtain the Certificate(s) of Title from the sellers or their agent as soon as possible to avoid closing delays, since the title may contain problems that could take time to clear. In certain circumstances, a prior lienholder may be in possession of the Certificate. If it is an individual lienholder, obtain the Certificate when you obtain the release (see step 7, below). If it is an institutional lender, contact the Legal Department for assistance. In either case, this cannot be a "to-come" item. 4. If the sellers have an out-of-state Certificate(s) of Title, they must obtain an Arizona title(s) immediately. WE CANNOT CLOSE ESCROW WITH OUT- OF-STATE TITLES. 5. Assignment of the title to the mobile home is accomplished by having the escrow officer complete the buyer information on the back of the Certificate of Title and having the seller sign the Certificate on the back before a notary public. If there is more than one owner but they hold title as "OR," only one notarized seller signature is required. If they hold title as "AND," all owners need to sign and have their signatures notarized. The buyers' vesting must be the same on the Certificate of Title and the deed to the real property. For more on vesting issues, see Part XII. 6. Check the face of the Certificate(s) of Title for lienholder(s). If there are no liens, insert the word "none" where applicable. Do not white out, erase or in anyway alter the Certificate. MVD will require an affidavit stating that the escrow officer made corrections if the Certificate of Title has been changed in any way. 7. If a lienholder is shown on the face of the Certificate of Title and there is no lien release attached to the Certificate, the escrow officer is responsible for obtaining a 6 release of the lien. Check with the sellers to see if the lien has been paid off. If it has, the sellers may have a release from the lienholder in their possession. If not, follow the procedures in Part VI to obtain the payoff statement and release. You will need to obtain the release for attaching to the Certificate prior to close of escrow if it is an individual lender. Releases from an institutional lender may come after close of escrow since such lenders usually will not issue a release until they have been paid in full. You will, however, need to follow-up and obtain the release prior to taking steps 9 and 10, below. Copies of the release should be retained in the escrow file and given to the parties. 8. Because the mobile, prior to affixture, has been treated as personal property, you will need to verify the amount of any personal property taxes due, pay that amount and obtain a receipt. (See Part VII, below.) 9. You will need to physically go to MVD with the completed Certificate(s) of Title, Affidavit of Affixture, personal property tax receipt for the payment of back taxes and any lien releases. This trip should occur after close of escrow, since it may not be the seller's intent to have the mobile home affixed and, if the escrow should cancel, the seller would otherwise need to go through the unaffixture and re-titling process. 10. MVD will complete, or require that you complete, the Certificate section below the notary acknowledgment. NOTE: If a lienholder is shown on the Certificate of Title and you do not have a Release of Lien, MVD will insert the lienholder information on the Affidavit of Affixture. When you record the Affidavit of Affixture, that lienholder information becomes a lien on the real property, requiring a release at some point in the future. TO ENSURE THAT YOU DO NOT INADVERTENTLY CREATE A LIEN ON THE REAL PROPERTY, REVIEW PART VI. 11. The Affidavit of Affixture, when completed by MVD, will be returned to you for recording. Because recording of the Affidavit of Affixture should occur after the closing, YOU MUST BE CERTAIN TO FOLLOW-UP ON THE RECORDING OF THE AFFIDAVIT. 7 IV. AFFIXTURE - NEW MOBILE HOMES (DEALER TRANSACTIONS) 1. An escrow in which the buyers acquire the land from a seller and the mobile home from another seller (usually a dealer) and obtain a new loan to purchase them both is called a Third Party Land/Home Package. 2. Your order sheet must reflect that a mobile home is being acquired. 3. Escrow Instructions will be between the seller of the land and the buyers and should contain the following verbiage if the buyers are paying all costs of the loan. (If the seller has agreed to pay any of the loan fees, you would adjust the verbiage accordingly.) "This escrow is contingent upon the buyer qualifying for a new __________ loan in the approximate amount of $__________ with terms and conditions agreeable between buyer and lender for the purchase of the subject property and a manufactured home. Buyer agrees to pay all costs of obtaining said loan, including but not limited to ALTA lenders title policy fee and any increase in standard owners title policy fee and escrow service fees to equal ALTA lender title policy requirement. Buyer understands and agrees that the manufactured home will be affixed as a real property improvement and will not be considered personal property for any purpose. Buyer hereby authorizes escrow agent to surrender the MSO's to Motor Vehicle Division and to record an Affidavit of Affixture at close of escrow." 4. Most lenders will not fund their loan until the mobile home has been completely set-up, with all utility hook-ups complete. The sellers need to be aware of this and understand that escrow will not close until the lender funds the loan. Have the sellers acknowledge their understanding and acceptance of this procedure, since work will be done on their property before they receive any loan proceeds, by signing an escrow supplement along the following lines: "Sellers understand that lender may require a manufactured home to be set up on the subject property, complete with all utility hook-ups, prior to releasing the loan funds and closing escrow and sellers understand and accept same and authorize all necessary work to be done on the subject property prior to close of escrow." 5. The MSO (Manufacturer's Statement of Origin) is the "birth certificate" of a mobile home. There is one MSO for each unit, just like the Certificates of Title. (A sample MSO is attached as Exhibit "C.") Therefore, rather than including a Certificate of Title with the Affidavit of Affixture, the MSO should be obtained for surrender to MVD. MVD will issue a receipt for the MSO, at which time the Affidavit of Affixture will be returned to you for recording. 8 6. Most dealers for mobile home manufacturers will not give us the MSO until they have received payment in full. You will therefore need to record the vesting deed and deed of trust first, then pay-off the dealer and/or the manufacturer, then obtain the MSO, go to MVD to surrender the MSO and then record the Affidavit of Affixture as a "to come" item. YOU MUST BE CERTAIN TO FOLLOW-UP AND (a) OBTAIN THE MSO, (b) DELIVER IT AND THE AFFIDAVIT TO MVD AND (c) RECORD THE AFFIDAVIT. To facilitate this process, be sure to have the Affidavit of Affixture signed by the buyers with their loan documents or escrow instructions. 7. There will be no personal property taxes on a brand new mobile; however, if the buyers are acquiring a used mobile, you must check with the County Treasurer for any current or delinquent taxes. 9 IVa. AFFIXTURE – LEASEHOLD PROPERTY A. Requirements. Effective July 2002, Arizona law permits Affidavits of Affixture to be recorded on property leased by a mobile home owner in a mobile home park ("MHP"). (A.R.S. §33- 1501 et. seq.) The following requirements must be met: 1) The mobile home must be affixed to the property; 2) The owner of the mobile home and the owner of the property must have entered into a lease of the property which (a) is for at least 20 years and (b) expressly permits the recording of an Affidavit of Affixture; and 3) A Memorandum of Lease is recorded that contains acknowledged signatures of the landlord and tenant and includes (a) their names and addresses, (b) the lease term, (c) any conditions of lease renewal, (d) a description of the mobile home, including make, year, size, manufacturer's list price and vehicle identification number, and (e) a legal description of the real property. If the owner of the mobile home changes during the term of the lease, the landlord and new tenant are to record an Amended Memorandum of Lease. The commitment will contain appropriate Schedule B requirements to ensure that these matters are addressed prior to affixing a mobile home to leased property. The steps for affixture will then be those set forth in Parts III or IV, as applicable. B. Legal Description. The legal description of the real property referenced in Paragraph A. 3 (e), above, can include: 1) For an MHP having a recorded subdivision plat identifying individual lots, the lot number, community name and recording information for the plat; 2) Recording information for a leasehold map of the MHP. The map must be certified by the land owner and include the name and legal description of the MHP for the location and identifying number of all rental spaces; 3) If there is no recorded MHP plat identifying individual lots, then (a) a metes and bounds description of the real property subject to the lease, (b) a reference to a lot number on an unrecorded plat if the plat shows the dimensions of the lot and a legible copy is attached to the Memorandum of Lease and Affidavit of Affixture or (c) a reference to a lot number contained in a development plan approved by the applicable municipality, containing the name and date of the plan, lot number, 9-a location and dimensions, and date of approval. The plan must be attached to the Memorandum of Lease and Affidavit of Affixture. C. Termination. The landlord may terminate an Affidavit of Affixture by recording a termination notice and affidavit if the lease is terminated before its expiration date. The notice and affidavit must have attached: (1) an agreement between the landlord and tenant to terminate the lease, (2) a forcible entry and detainer judgment in favor of the landlord, or (3) the landlord's affidavit that the mobile home has been removed from the property. D. Lienholders. The Affidavit of Affixture may contain the acknowledged consent of a holder of a security interest in the mobile home to the termination of that interest upon the recoding of the Affidavit. In the absence of such a consent, the recording of the Affidavit of Affixture does not impair the holder's rights. See Part VI regarding release requirements. E. Real/Personal Property. The affixed mobile home and the leasehold interest are to be treated as real property EXCEPT that the mobile home will continue to be assessed as personal property. (A.R.S. §42-15203.E.) 9-a V. NON-AFFIXED MOBILE HOMES For a variety of reasons, parties sometimes request that we insure transactions in which they do not want the mobile home to be affixed. In this situation, the following procedures should be followed: A. All parties must sign a Supplement to Escrow Instructions Regarding Non- Affixture of Mobile Home (see Exhibit "D"). By signing the Supplement, the parties acknowledge that (1) the mobile home will not be affixed, (2) the title will be transferred in escrow solely as a courtesy, (3) the Company is insuring only the vacant land and (4) the Company is relieved of any liability regarding the mobile home remaining as personal property, including any personal property taxes which may be assessed against the mobile home. Title fees will be based on the vacant land value only. Escrow fees are based on the full sales price unless the difference is paid direct to the seller outside escrow, which is not usually the case. B. Although it appears easiest for an escrow officer not to have anything to do with the mobile home title when the buyers elect to transfer the mobile as personal property, this is not necessarily the case. If the buyers delay in transferring the title, the Certificate of Title could be lost, the sellers may no longer be around to get a duplicate, personal property taxes may be owing and the Sheriff will post the property for sale. Also, the sellers may give the title to the buyers showing a lien, but with no release, resulting in the buyers being unable to transfer ownership or the lienholder foreclosing if the lien is unpaid. Although this should be a matter dealt with outside of escrow, the buyers will usually call us when a problem arises and our experience has shown that it is less time consuming to assist them on the front end than to argue with, or attempt to assist, them on the backend. Accordingly, you should take the following steps in a non-affixture transaction: (1) Obtain the executed Supplement to Escrow Instructions Regarding Non-Affixture of Mobile Home and send it with your recording package; (2) Be sure the escrow instructions describe both the real property and the mobile home (manufacturer's model number, year, size, make and VIN); (3) Obtain the Certificate of Title; (4) Have the parties sign the MVD Title and Registration Application (see Exhibit "E"). (This is an MVD form which your branch should have in stock or can obtain from MVD.); 10 (5) Obtain a release for any lien shown on the face of the Certificate of Title. (See Part VI, below, for the procedures to obtain a release.) The buyers cannot transfer the title without a release of all shown liens; (6) Verify the amount of any personal property taxes owed, pay the taxes and obtain a receipt for the payment; (7) Collect the transfer fee for MVD; and (8) Deliver the completed Certificate of Title and Application, tax payment receipt for back taxes or cancelled check for payment of current taxes, any applicable releases, and fee to MVD. C. Seller Carrybacks. When the seller is taking a carryback loan and the mobile home is not to be affixed, the following additional steps need to be taken: (1) The deed and deed of trust must also describe the real property and the mobile home. (2) Additional, applicable escrow supplements (see Exhibits F and G) need to be executed by the appropriate parties. (3) See Part VI. B.2 regarding the creation and release of carryback liens. D. Non-Carryback Situations. If the seller is not taking a carryback loan and the mobile home is not to be affixed, then the additional escrow supplement set forth as Exhibit "H" will also need to be executed by the parties. 11 VI. LIEN CREATION, DISCLOSURE AND RELEASE A. Lienholders and Releases Generally. 1. Liens shown on existing, recorded Affidavits of Affixture and simultaneously recorded deeds of trust. Liens disclosed on the receipt portion of a recorded Affidavit of Affixture need NOT be released IF the lender shown on the Affidavit is the same lender shown on a simultaneously recorded deed of trust AND the deed of trust has been released of record. The title commitment will therefore not call for a release of such a lien from the Affidavit of Affixture. If it becomes necessary to record a release of the lien from the Affidavit of Affixture, we can do so following the procedure set forth in Part D, below. 2. Liens shown on existing, recorded Affidavits of Affixture alone or on Certificates of Title. Liens disclosed on the receipt portion of a recorded Affidavit of Affixture when there is no simultaneously recorded deed of trust or on a Certificate of Title for a mobile home that is to be affixed must be released of record when the debt is paid. A Satisfaction of Lien Affidavit of Affixture (Exhibit "I") should be used whenever an Affidavit discloses a lien. A Mobile Home Release of Lien (personal property, including real property) and a Lien Clearance (Exhibits "J" and "K") should be used whenever the Certificate of Title discloses a lien. The satisfaction/release/lien clearance should be sent along with the written pay-off request or pay-off check to be signed in anticipation of the debt being paid through escrow. If the pay-off is obtained verbally or the executed satisfaction/release/lien clearance is not sent back with the written payoff statement, a satisfaction/release/lien clearance should be sent to the lender along with your pay-off check. It should also be sent with your follow-up request to the lender if we have not timely received the lender's satisfaction/release/lien clearance following close of escrow. NOTE: TO BE EFFECTIVE, A SATISFACTION MUST INCLUDE THE RECORDING INFORMATION OF THE AFFIDAVIT OF AFFIXTURE. Consequently, a release of a deed of trust recorded simultaneously with the Affidavit and naming the same lienholder as beneficiary is NOT sufficient. Institutional lenders typically will not give a release until they have posted the payoff check. Lenders are not aware of the circumstances of your escrow and will give you a typical release if you do not send them the document you need with the payoff check. As noted, a release which does not describe the mobile home is NOT sufficient. Be sure to collect a recording fee for the additional release. 12 You should NOT surrender the Certificate of Title to MVD or apply for the Affidavit of Affixture until you have received back an executed satisfaction/release from the lender. You will therefore need to calendar follow-up demands to the lender if you have not received a satisfaction/release after paying-off the lien. Once you have received the satisfaction/release, the Certificate of Title and the Affidavit of Affixture or Title and Registration Application, as applicable, can be submitted to MVD with no lienholder shown. MVD will ONLY accept a Certificate of Title or Affidavit of Affixture showing a lienholder in two situations: (1) when the mobile home is being affixed in the current owner's name, i.e. there is no change in ownership of the mobile and (2) when, instead of a release, we submit a lienholder approval transfer form signed by the lienholder. (Exhibit "L") Such a form is typically used only in assumption or wrap situations (See Part XIII, below.). In all other situations, you must obtain a release as noted above. B. Seller Carrybacks. 1. Mobile Being Affixed. When your transaction contemplates a carryback deed of trust, the seller should NOT be shown as a lienholder either on the back of the Certificate of Title or on the receipt portion of the Affidavit of Affixture. It is inappropriate to show the seller as a lienholder because the buyer's obligation to the seller will be fully secured by the deed of trust, provided the Affidavit of Affixture is recorded concurrently with, or subsequent to, the deed of trust. If you have closed a transaction in which the seller is shown as a lienholder on the receipt portion of the Affidavit, you must complete the satisfaction, obtain the seller's signature and forward the satisfaction to the Account Servicing Department to be held for recording when the buyer satisfies its obligation. As previously noted, recording a release of the deed of trust alone will not eliminate the lien created by the Affidavit of Affixture. 2. Mobile Not Being Affixed. If the mobile home will not be affixed to the real property, then the seller should not be shown as a lienholder on the Certificate of Title unless the mobile home is to be additional security for the loan. If the seller is shown as a lienholder, the escrow officer will need to have the seller execute a separate lien release for the Certificate of Title to be forwarded to the Account Servicing Department for delivery to the buyer upon payment in full. C. Satisfaction/Release Language. IF A SATISFACTION/RELEASE IS ON A FORM OTHER THAN THOSE ATTACHED HERETO, YOU MUST BE CERTAIN THAT THE 13 SATISFACTION/RELEASE REFERS TO THE RECORDING DATA OF THE AFFIDAVIT OF AFFIXTURE AND ADEQUATELY DESCRIBES THE MOBILE HOME. D. Statutory Releases. Effective August 22, 2002, Arizona law authorizes a title insurer to record a statutory release of lien shown on an affidavit of affixture if the lien secures a debt of $500,000 or less. (A.R.S. §42-15203.E.) The procedure is the same for statutory releases of deeds of trust or mortgages with a principal amount of $500,000 or less. For more information, see the Releases memo in the Escrow Reference Manual or the memos on "To Come" Items and Statutory Releases in the Underwriting Reference Manual. 14 VII. PERSONAL PROPERTY TAXES A. Verification. Unaffixed mobile homes and affixed mobile homes on leasehold property are subject to personal property taxes, which come out between March and May of each year. Even affixed mobile homes on non-leasehold property may be subject to personal property taxes since it typically takes about two years to correct the tax rolls. Accordingly, if the mobile has not been affixed, is affixed on leasehold property, or has been affixed for less than five years to non-leasehold property, the escrow officer will need to call the assessor's/treasurer's office to verify whether any personal property taxes are owing. To obtain this information, you will need a tax roll number, which can be obtained (1) from the Unsecured Personal Property Tax Statement if the sellers provide one, (2) from the Mobile Home assessor's office by giving them the mobile home description and VIN from the Certificate(s) of Title or (3) from the assessor's office by providing them the tax parcel number of the subject property. B. Delinquency. If there are delinquent personal property taxes, the escrow officer will need to call the relevant county office (in Maricopa County, contact the Maricopa County Sheriff's Office, Mobile Home Division) to obtain the exact amount needed to pay the taxes in full. The sellers need to pay those delinquent taxes immediately and obtain a paid receipt. For affixed mobile homes, one copy of the receipt should be kept in the escrow file and one given to the buyers. A copy will also need to be included with your package to MVD. MVD WILL NOT TRANSFER TITLE OR SIGN THE AFFIDAVIT OF AFFIXTURE IF THERE ARE ANY DELINQUENT TAXES OWING. It seems to take quite some time before MVD's computers reflect the tax payment. C. Out-of-State Sellers. If the sellers are out of state, it will be faster if you have them overnight a cashier's check to you made payable to the relevant county office for the exact amount needed. Then have the check delivered to that office, along with a self- addressed, stamped envelope and your request for a paid receipt. D. Proration. If taxes are to be prorated, the escrow instructions should provide for proration on both real and personal property taxes. Because a mobile home will remain on the unsecured (personal) property tax rolls until the next real and secured property tax roll is prepared, if you are handling a resale in the same year that the Affidavit of Affixture was recorded, you should prorate on both the real and personal property taxes. 15 VIII. FORECLOSURE The manner of foreclosing a loan secured by a deed of trust encumbering land with a mobile home depends on whether an Affidavit of Affixture has been recorded: A. Affixed. When an Affidavit of Affixture has been recorded, the mobile home is treated like any other house. Consequently, foreclosure of the deed of trust will result in the passing of title to both the land and the mobile home. B. Not Affixed. More complicated and less desirable is the situation where the Affidavit of Affixture has not been recorded and the mobile home has remained personal property. In this situation, only the land can be transferred to the lender through a trustee's sale. The mobile home must be repossessed like any other vehicle. Once the mobile has been repossessed, the lender will need to have the mobile home retitled before it can be resold. MVD will require that its Repossession Affidavit be completed and submitted with an Application for Title, along with the appropriate fees, before a new title can be issued. C. Trustee's Sale. The Companies will handle a trustee's sale of property involving an affixed mobile home in the same manner that we handle any other trustee's sale except that, upon completion of the sale, the grantee in the trustee's deed must be informed that it will be his responsibility to present MVD satisfactory evidence that there has been a trustee's sale and that the real property as well as the mobile home was included in the sale. When the trustee executes and delivers a deed upon completion of a trustee's sale, the deed must describe the mobile home as well as the real property. 16 IX. REISSUED TITLE Situations occasionally arise when it is necessary to reissue title on a mobile home. Typically in these situations, the mobile home is physically affixed to the land but there is no recorded Affidavit of Affixture. The steps necessary to re-issue a title are as follows: 1. Physical inspection by MVD to verify that the structure is a mobile home. Someone must be home at the time of the inspection. MVD only makes appointments 24 hours in advance. 2. A VIN is required. In some cases, it may be necessary to dig up the tongue of the mobile home to obtain this number. 3. Once MVD has certified that the structure is a mobile home, a report is written and the results are returned to the party making the request. 4. An Abandonment of Title must then be completed. If the "abandonment" occurred through foreclosure, a Foreclosure Information (Repossession Affidavit) must be provided. 5. The party will then purchase a "bonded title," which insures that a former owner will not attempt to claim ownership of the mobile home. 6. An Affidavit of Affixture will be issued upon the surrender of the "bonded title" and Application for Affixture to MVD. 17 X. UN-AFFIXING A MOBILE HOME Occasionally, we come across recorded documents attempting to "un-affix" a mobile home. We are sometimes also asked to prepare and record an "un-affixture" document. Generally, these situations occur because an owner wants to replace an existing mobile with a new mobile or another improvement or sell the property as vacant land. There is, however, no statutory or MVD procedure for un-affixing a mobile home. We have, nevertheless, been willing to pass on or prepare un-affixture documents on a case-by- case basis. Generally, we look to see whether the document sufficiently describes the mobile home, includes the recording information of the Affidavit of Affixture and adequately references the intent to un-affix or remove the mobile home. This information is critical to insure that the assessor corrects its tax rolls to reflect that the mobile home is no longer part of the real property. Exhibit "M," Affidavit of Removal of Affixed Mobile Home, is the form you should use when un-affixing a mobile home. (In the rare instance where the owner is not removing the mobile home but still wants it un-affixed, a form similar to Exhibit "N" can be used.) 18 XI. POWERS OF ATTORNEY On occasion, we have acted as attorney-in-fact for parties in dealing with MVD. Such situations are generally limited to those in which (1) the party in title is unable to sign on the back of the title or (2) the seller needs to apply for a duplicate title and is unable to sign the form. MVD has power of attorney forms for this purpose. A sample is attached as Exhibit "O". You should only execute such a form after consultation with your Branch or County Manager. You should also verify with your local MVD that they do not have a different form or a more updated one. For local MVD contacts, see Part XIV. 19 XII. VESTING/TITLE TO MOBILE HOMES Title to mobile homes can be held as follows: 1. John Doe and Mary Doe – Tenants in Common. Both signatures are required to transfer ownership or encumber the mobile home. 2. John Doe and/or Mary Doe – Joint Tenants with Right of Survivorship. Both signatures are required to transfer ownership or encumber the mobile home. 3. John Doe or Mary Doe – Joint Tenants with Right of Survivorship. Either owner may transfer ownership or encumber the mobile home. If the buyers wish to take title to a mobile home as joint tenants, notarized signatures are required on both the front and back of the application for new title. If we are insuring the buyers as joint tenants, BE SURE that the Application for Certificate of Title will be issued by MVD as joint tenants. Since we will be insuring both the land and the mobile home, title for each must be held in the same manner. We will not insure if the title to the mobile home is held in a different manner than the title to the real estate. 20 XIII. ASSUMPTIONS/WRAPS Depending on your County, MVD may or may not require that the lienholder approval of transfer form (Exhibit "L") be surrendered with the title. Consequently, you should take a copy to MVD along with the other documents and retain a copy in the escrow file. You will also need to request a pay-off balance and use that amount as the amount assumed if the encumbrance included add-on interest. DO NOT set up an escrow involving a wrap if the prior lien includes add-on interest. We will not insure such a transaction. 21 XIV. MVD PROCEDURES The procedures discussed in the prior sections address the requirements of MVD generally. Each county's division of MVD, however, operates in a slightly different manner. You will therefore need to determine what, if any, differences exist and adjust these procedures accordingly. According to MVD's website, customer service representatives are available Monday, Tuesday, Thursday and Friday, 7:30 a.m. to 5:30 p.m., Wednesday 8:00 a.m. to 5:30 p.m., and Saturday 8:00 a.m. to 5:00 p.m. Phone numbers and web site are: Phoenix: (602) 255-0072 Tucson: (520) 629-9808 Elsewhere in Arizona: (800) 251-5866 Website: http://.state.az.us/mvd/index.asp Email: firstname.lastname@example.com 22 XV. POLICY ISSUANCE AND REQUIREMENTS The following procedures are to be used when the order sheet or our investigative search indicates we will be issuing a policy on property involving a mobile home: 1. New Mobile Homes. Issue Residential Policy (even though Affidavit of Affixture is to come) Requirements - XR12A (mechanics lien indemnity) Schedule B – X15 (mechanics liens) (Owners Policy only) (Out by CTO if the dealer gives an indemnity) 2. Affidavit of Affixture less than 2 years old. Issue Homeowner's Policy (if property type applies) Requirements – Show "Payment of personal property taxes if any" (MR9) Show M39 note Show M38 under tax note (add recording date to Doc. No. of Affidavit) 3. Existing Mobile Home. Issue Homeowners Policy (if property type applies) Requirements – Show M39 note 4. Leaseholds. Issue Standard Owners Policy Requirements MR9 MR12 MR17 MR18 5. Mobile Home NOT To Be Affixed. The following codes address this situation: MR12 Record Affidavit of Affixture in compliance with A.R.S. §42-15203 or A.R.S. §33-1501 or obtain fully executed Supplement to Escrow Instructions Regarding Non-Affixture of Mobile Home. M38B AFFIDAVIT OF AFFIXTURE NOT TO BE RECORDED 23 We cannot issue the LTAA 3R and 5 combined endorsement with extended loan policies when the mobile home is not affixed. We can, however, issue the LTAA 3R alone. 6. New Mobile Homes – Loan Policies. Transactions which include financing of a mobile home being purchased and placed on a lot require that the deed of trust be recorded and monies disbursed to the dealer prior to obtaining the Manufacturer's Statement of Origin (MSO), which is then surrendered to obtain an Affidavit of Affixture. Consequently, recording of the Affidavit will typically be a "to come" item. Since neither the lender nor the dealer is willing to compromise their position, we must rely upon the escrow officer to follow-up, obtain the Affidavit of Affixture and get it recorded. On these transactions, we have no authority to hold the lender's policy pending recordation of the Affidavit of Affixture. Therefore, we must issue the policy once the deed of trust is recorded. Policies cannot be issued on title only orders until the Affidavit is recorded, unless the escrow is processed by one of our offices (including our Agents). 7. Guide to the Code Book Discussion. The Guide to the Code Book also contains the following general discussion of mobile home requirements and exceptions: "MOBILE HOMES (M-37 to M-40, MR-10 to 16) Generally, we do not want to handle a mobile home transaction unless affixed. If an Affidavit of Affixture is not recorded, require review of the titles (MR-16) and assignment of Certificate of Title to new buyer (MR-10), Deed to new buyer of land, then recordation of Affidavit of Affixture with lien releases (MR-12 , MR-15 or use M-38-B and M-40). When a mobile home has been recently affixed, there may be unpaid taxes on personal tax roll (M38 and 38A). Recorded Affidavits of Affixture may disclose unreleased liens which affected the titles at the time they were surrendered at the Department of Motor Vehicles. These liens are disclosed on the bottom portion of the Affidavit and must be released (MR- 11) or shown as an exception. (M-37) At times a lien disclosed by a recorded Affidavit may also be further secured by a recorded Deed of Trust. If there is a recorded release of the Deed of Trust and the Release describes the mobile home wherein the lien holder and the Beneficiary are one and the same, we can accept the Release of the Deed of Trust as a release of the lien disclosed by the recorded Affidavit. Again, the release must describe the mobile home and involve the same lender." 8. Commitment Requirements. The following are Code requirements for mobile homes, to be used as applicable: MR9 PAYMENT of Personal Property Taxes if any. 24 MR10 ASSIGN Certificate(s) of Title to mobile home to be affixed to land described in Schedule A from * to * and surrender to Motor Vehicle Division. MR11 RECORD Release of Lien disclosed by Affidavit of Affixture recorded in: Document No. Docket Page Lienor MR12 RECORD Affidavit of Affixture in compliance with A.R.S. 42-15203 or A.R.S. §33- 1501 or obtain fully executed Supplement to Escrow Instructions Regarding Non- Affixture of Mobile Home. MR15 RELEASE by * of lien disclosed by Certificate(s) of Title of mobile home to be affixed to the land. NOTE: If lien release is not provided at time Certificate(s) of Title are surrendered for the Affidavit of Affixture, Escrow shall be responsible to secure and record a properly executed and notarized Release of Lien, signed by the party disclosed above. Said Release must recite the recording data of the proposed Affidavit of Affixture. MR16 FURNISH Title Officer with copies of the Certificate(s) of Title to be surrendered prior to close of escrow. The right is reserved to make additional requirements. This can NOT be a to come item. MR17 RECORD "Memorandum of Lease," which must contain the names and addresses of the landlord and tenant, lease term, conditions of renewal, if any, description of the mobile home and leased premises, the acknowledged signatures of the landlord and tenant, and words of leasing such as "has leased, demised or let, and does hereby lease, demise and let unto" or other words of same meaning. MR18 FURNISH the Company with a copy of the lease between the landlord and tenant. It must be for a term of at least 20 years and permit recording of an Affidavit of Value. 9. Un-Affixture Requirement. 25 If a mobile home is to be un-affixed, a requirement like the following Mohave County Code should be included: "RECORD Affidavit of Removal of Mobile Home disclosed by Affidavit of Affixture recorded in Book _____ of Official Records, Page _____." 10. Policy Exceptions. The following are Code exceptions for mobile homes, to be used as applicable: MOBILE HOMES (AFFIDAVIT OF AFFIXTURE RECORDED) SCHEDULE B LIEN DISCLOSED BY AFFIDAVIT OF AFFIXTURE M37 LIEN in favor of the party named below as disclosed by Affidavit of Affixture: Recorded Document No. Docket Page Lienholder (ADD TO TAX NOTE) AFFIDAVIT OF AFFIXTURE RECORDED M38 (Tax information above does not include any personal property tax assessed only on mobile home which was affixed as real property by instrument recorded in: Document No. Docket Page AFFIDAVIT OF AFFIXTURE NOT YET RECORDED M38A (Tax information above does not include any personal property tax assessed only on mobile home which will be affixed as real property.) 26 (USE WHEN INSURING LAND ONLY) M38B ANY UNPAID personal property taxes which may become a lien on real property by reason of mobile home located thereon. M39 NOTE: Affidavit of Affixture recorded in: Document No. Docket Page (USE WHEN INSURING LAND ONLY) M40 ANY CLAIM or loss by reason of not recording an Affidavit of Affixture relating to any mobile home located on said land. 27 XVI. ESCROW CHECKLISTS A. Existing, Affixed Mobile Home _____ Order sheet to reflect existence of mobile home _____ Obtain copy of recorded Affidavit of Affixture _____ Copy for escrow file _____ Copy to buyers _____ Copy to lender _____ Does the commitment call for release of any liens shown on the Receipt portion of the Affidavit? _____ If yes, obtain Satisfaction of Lien. For individual, versus institutional, lienholders, THIS CANNOT BE A "TO COME" ITEM. _____ Has the Affidavit been recorded less than 5 years? _____ If yes, obtain personal property tax information. _____ Pay personal property taxes at close of escrow and prorate. _____ Obtain receipt for payment of delinquent personal property taxes. _____ Retain copy of receipt for escrow file and provide copy to buyers. _____ Record deed, releases and any new encumbrance. _____ CALENDAR FOLLOW-UP FOR "TO-COME" INSTITUTIONAL LIENHOLDER RELEASES. IT IS THE ESCROW OFFICER'S RESPONSIBILITY TO OBTAIN THESE RELEASES. B. Existing Mobile Home to be Affixed. _____ Order sheet to reflect existence of mobile home. _____ Obtain Certificate of Title for each unit to be affixed. THIS CANNOT BE A "TO COME" ITEM. _____ Is the Certificate of Title out-of-state? _____ If yes, have sellers obtain an Arizona certificate. _____ Does the Certificate show any lienholders? _____ If no, insert "None" on the face of the Certificate where applicable. 28 _____ If yes, do sellers have a release? ____ If yes, obtain release from sellers and attach it to the Certificate. ____ If no, obtain release of lien. For individual, versus institutional, lienholders, THIS CANNOT BE A "TO COME" ITEM. _____ Complete buyer information on back of Certificate and have sellers sign the back of the Certificate before a notary. _____ Have buyers execute the Affidavit of Affixture before a notary. _____ Obtain personal property tax information. _____ Pay personal property taxes at close of escrow and prorate. _____ Obtain receipt for payment of delinquent personal property taxes, retain copy for escrow file, provide copy to buyers. _____ Record deed, releases and any new encumbrance. _____ CALENDAR FOLLOW-UP FOR "TO-COME" INSTITUTIONAL LIENHOLDER RELEASES. IT IS THE ESCROW OFFICER'S RESPONSIBILITY TO OBTAIN THESE RELEASES. MVD WILL NOT COMPLETE THE AFFIDAVIT OR TRANSFER THE TITLE IF LIENHOLDERS ARE SHOWN. _____ Take Certificate, release(s), paid tax receipt, Affidavit and filing fee to MVD. _____ Obtain completed Affidavit from MVD. _____ Record Affidavit immediately upon receipt. C. New Mobile Home – To be Affixed. _____ Order sheet to reflect that transaction involves a new mobile home. _____ Parties to execute escrow instructions, including the language in Part IV.3, modified accordingly. _____ Does lender require that mobile be fully set-up before funding? _____ If yes, sellers to execute an escrow supplement per Part IV.4. _____ Buyers to execute Affidavit of Affixture before a notary. _____ Is the mobile home used? 29 _____ If yes, check for personal property taxes owing, pay same and obtain receipt. _____ Record deed and deed of trust. _____ Pay-off mobile home dealer/manufacturer. _____ Obtain MSO. CALENDAR THIS FOR FOLLOW-UP WEEKLY UNTIL OBTAINED. MVD WILL NOT ISSUE THE AFFIDAVIT OF AFFIXTURE WITHOUT THE MSO. _____ Once MSO obtained, take MSO, Affidavit and any personal property tax receipt to MVD. _____ Record Affidavit of Affixture. D. Mobile Home to be Affixed to Leasehold Property. _____ Obtain copy of lease. _____ Is lease term at least 20 years? _____ Does lease expressly permit recording of an Affidavit of Affixture: - If no to either question, mobile home cannot be affixed. Go to Checklist Part E. _____ Obtain Memorandum of Lease. - Does Memorandum contain all information required by commitment? - If no, memorandum to be amended or go to Checklist Part E. - Is Memorandum recorded? - If no, record same. ____ Proceed to checklist Parts B or C, as applicable. E. Mobiles Not To Be Affixed. _____ Order sheet to reflect that transaction involves a mobile home. _____ Parties to execute Supplement to Escrow Instructions Regarding Non- Affixture of Mobile Home. _____ Escrow instructions to describe the real property and mobile home (manufacturer's mobile number, year, size, make & VIN). _____ Is seller carryback involved? _____ If no, parties to execute the Supplement to Escrow Instructions For Non-Affixed Mobile Home (No Seller Carryback) 30 _____ If yes: _____ Parties to execute the Supplement to Escrow Instructions for Non-Affixed Mobile Home (Seller Carryback) _____ If mobile home is to be additional security for carryback loan: ___ Create lien on certificate of title and obtain release from seller for account servicing. ___ Escrow instructions, deed and deed of trust to include description of real property and mobile home. ___ Sellers to execute Supplement to Escrow Instructions (When Non-Affixed Mobile Home is Additional Security for Seller Carryback) _____ Obtain Certificate of Title for each unit. _____ Does Certificate show any lienholders? _____ If yes, do sellers have a release? _____ If yes, obtain release from sellers and attach it to the Certificate. _____ If no, obtain release of lien. _____ Parties to execute the MVD Title and Registration Application. _____ Obtain personal property tax information. _____ Pay personal property taxes at close of escrow, prorate and obtain receipt. _____ Collect MVD transfer fee. _____ Record deed and any new encumbrance. _____ Deliver Certificate, Application, release(s), tax payment receipt, copy of any new encumbrance and fee to MVD. 31 XVII. EXHIBITS A. Affidavit of Affixture* B. Certificate of Title C. Manufacturer's Statement or Certificate of Origin to a Manufactured Home D. Supplement to Escrow Instructions Regarding Non-Affixture of Mobile Home* E. MVD Title and Registration Application F. Supplement to Escrow Instructions for Non-Affixed Mobile Home (Seller Carryback)* G. Supplement to Escrow Instructions (When Non-Affixed Mobile Home is Additional Security for Seller Carryback)* H. Supplement to Escrow Instructions for Non-Affixed Mobile Home (No Seller Carryback)* I. Satisfaction of Lien Affidavit of Affixture* J. Mobile Home Release of Lien (personal property, including real property)* K. Lien Clearance L. Lienholder Approval of Transfer* M. Affidavit of Removal of Affixed Mobile Home* N. Abandonment of Affidavit of Affixture* O. Auto License Department Power of Attorney* *These forms are on the Impact System. 32
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