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HomeMy WebLinkAbout035-144-014r ! > y RICAN'LAND TITLE ASSOCIATION,LOAN POL`( 970 ` " WITIi ALTA ENDORSEMENT"• FORM 1 COyERA SCHEDULE Op 1XCLUSIONS FRO COVER AC) 1 Tfia frtliasVidg Ml die expressly exc`,rded (rpm the coverage'of this poll 11 C]efects; liens, encurrjbrances, ai verse clalnts, otl ether matters* `a L falitrwontatenSa(polfGglrlblAil law ordinance or g f l treated, suffefed.8. mm mpehta! reggu�l3ttort relatln assumed or agreed (o by the insured eialmarit, (b) npt`ltppWp 1d the Company and :tut, tciernS+lrpp(rtd iia! prat uon;'(r) Any Cava ordinance or �amrpental regUlatton (Including shavn by life pUOlrc rgcords but kntnvn tothe,lnsured citalmant either afDate rr buttrrioilinillgfl to huling o} zoning ordinances) restricting orfegulating or prohibiting or at the datesuch claimant Acquired an esta(e or interest(nsuretl tiythts' b i ort ^Policy di�itr tlGptticy, Ute or enjoyment of the land, or regulating the chatactert dlfrtensions lFie Insured p I % acqu(recl , xrr CL*tcaCtrirt C!1 enYt»Ypra*ment nt>N. or hereafter c!reStt d qn rehe lantl� or pro ibitlig a mortgage and not disclosed in wrlrJn># b>y theln6ured claimant to the Company se urr 1' ne01P Or a change (n the dimenslogs Ur arep of the land or an pa 'Prior ro tib dile such insured clattnant became an rtsur6ta hereunder, (e)• resulting in x p no loss or damage to the insured c(aimrr,ant (d) aitac011 Orcreated SUbsetzitent to Date of*}atiLb tf1)), f ( f3 or vasa part; (d) The a dct c anyvfoj entL of the ce rc rs excluded of Policy.leAcept to the. extent insurance U,alforded :heraln as, tp;an . sbtuta lien at "Olrwtrll, h f (e ire. vilest notice f a defect; lietti or encumbroneq resulting from labor or material or the. extent insurance is afforded fiettifn as to assessment.(Or Y I n far atvfr 11nlJon Fippl been recatotd at Date. of Pplicy in`those� Ocords in which under state Improvements under construction or colitrpleted at Dateof Policv). street Z gdnttfet ideeds, mortgages, judgment lfehs or Ifs peridens must be recorded in ordergto A. Unenforceability of the lien of the insured monga a be 6u of failure of life insured ht .r�f gCslo"rlt d mein unless notice f the erci a of u Ih $(�� without(t1 the I ubltc at date of pnlfcy or,of airy subsequet tavnerofthe tndebiedttcss to complysvjth;applitable n raj atq;oi lralCcy, PP p doing business" laws of the state . in which.the land is sl(uated, AMERICAN LAND TITLE ASSOCIATION RESIDENTIAL TITLE INSURANCE POLICY (6.1.87) EXCLUSIONS rhadditiolip III# 0006665,Jnt Schedule 6, you areket not Insured against loss, costs, attorneys 3, Title Rtsk5; ar-dse;itpunso resulting from; that are -Created G{rrttnfi to pol(Ge rrOr, and the existence.nrytoletfon df any law or government , allowed, or agreed to you ee'sWilitldn, Tli f 10clU 0 building and zoning ord(gancesand also laws and rp u(atlons that are known to you, bur not to us, on�a Policy pate •unless they appeared in con�.atrnlrlgt g the public records a ilaod Usa l that result In no loss to you that t tltr(prdrdlhents on the fantl life aper the Policy Date , this does not limit the labor and material *r Ilona dIvIolon Ifen coverage to Item a of Covered Title Risks w, 5nvf ontnentaf protectloh 4, Failure to pa y, value for your tftle. 5, Lack of a ri Itt, Tht�a xclusJan does nal apply to violations or the enforcement of these matters which to anv �ati8 outside the area specifically described and 'referred to in lfetit 3 of a�gaar do the public records at polfcy date. to a Ula' A litts,eWuslorr does not limit the zorting coverage described In Items 12 and 13 of Or CaW+.Wl Titlet Risks. • in streets;: alleys, or waterways that touch your rand, 1,wright to take the la»d by condemning It, unless; " This excluslon does not limit tho'acress:co�erage i» Item 5 of Covered Title tusks, ,tr optica of exercising tfta. right appears to the nubile records on the'1'alicy Date t(he;tak(ng happerted prior to theracy Date and is binding nn you if)kv bought Hite land Without kriavilsKfge of the taking, $CaiEDULE S EXCEPTION$ Its xadd aAR ttv;tbe Exclusions, you are not Insured a9alnst to>s, costs, attorneys' fees, ansa t o 3. Any(acts aboutthe land which a correct surrey rvvuld disclose and which are not showqq ex ertsw� tO`iOts; items by the publte records, This doe§ not limit the &arced remowtl coverage in tem )2, of 106M grstYd fights, interests, or claims, of parries +n possession of the land nut shown jhe p -.ul.(uc rttrprds. by use Risks. a< Any Water rights or eIalmi or thle to water in or under the land, w{tether or not shrnvn Z Ain u+tHenie»ts or(iensnot shown by life public records, fjri5 does not ilmtt the Ifen by the publfe records, rc„ecage Ya item 8 oiGaFrd Title, Risks AMERICAN IAND TITLEASSOCIATION OWNER'S FOLICY (1021.87) 5CHEVULE OF E)ICLUM-al FROM COVERAGE (u(iouuin)g ritaners are esrpieyprluded from the ce%etageoft%spbflcyand the Company a vlalatfon, or alleged violatlbn affecting ehetandha5 been recorded ftt gine pubtfcecords u,i4s tot pa yAot5 or damage, costs; attorney's lees or expenses which arise by reason of. at Date of PoiAll I. to Ijay Inti, ordinance orgaernmental regulator {includingg Wkni of limited to bufidln, g 2, RiggIII of eminent domain unless notice afrise erctse therealhas bee r aid zonhrtgslaws; otdlnance5, or fe Ulatfonsi tesidctng, prohJbJ. ng or retailing (6,0) the pub(jc records at Date of Policy, but not exefW If frons tow a e a ak corded in'the. rlutpdnr, :Use, err enipymctt of'tAe land,, (ii) the character, dimensions of location. of b g ny t ing which has , WY rtxlp sauegrent nrnvor hereatrer erected ;o» the land; dill) d separator In ownersh1 ccurred poor fo Date of policy Witch xr�ttid to bJrrding o» the rights (n a purchaser of ,644,' to°in the dirnenslans or' area of the land or a l? tot value tvithbut knowledge, vn s d Orr 1 e rtq parcel of which jhe land C$ or 3, Defects, Bent, encombrances, adverse; clatms ar other matieas; p pr 1 yt nvlrgnme»taI protection, or the.effect of gray vtolatiott off'the3e laws; (a) created, Suffered, assumed or agreed to Iii the insured claimahh Qirk"sntrara5 ;ar gmemmental mations," except fa the, extent that a notice of t11e b) hot known to the Company, not`recordgd in the pUbltercrorcls;at pate of Fo i" Icy, but creelora natee a defect, lien orencumbtanteresuitng from a vtolattdn %nrnVn to the insured ctatmat�t and not, disclosed in writing to �Contpa 6} the Insufed, Cal �i igest7%!o anon affecting theroid has been recorded frt. the "Aubltc records at Date, claimant prior to the date the insured claimant became an ins4ired under this policy; rii menta! pdffce paMer not excluded by (al abav<; exec t to "the :extent that, (c) resulting in no loss or damage to the insured claimarit;' p (d) anathln� ar created subsequent to Date of PcTlcy, or a rarataGtvoache exercise thereof era; notice of a de(ett Ifen pr encUthbrance tes9ltlnll fr»mt (e) resulting to loss qr damage w ld1 wpuld rtptha been sustaJtrl {f the,' Insured c(afmant had paid valor for the estate ar interest Insured -b y this ptitfcy, AMERi' ANV LAND TITLE ASSOCIATION LOAN POLICY (to -2187) WITH A.L.T,A'.: ENDORSEMENT.- FORM `'1 COVERAGE SCHEDULE OF EkCLU5110N5 FROM COVERAGE The aoJkivirszttters"areexpmsslye,lUtiedl.pmthgxoverageofttjpol)cyandtheCamPaity. ta)created,suffered,rassumedo'r,5greed'ta by the lnsui8rla(maijt: wiCiatrpt pay (aFS or tlatnager costs, atiarn s fees or expenses vvhJcji apse by reason oft ib) nol know to 'the Cotftparty, hot recorded in the publ(e ret�nrds at CJate of POII ,but ' 1 , l si»yJct rt o)tfirtant a rat gp%Emnagnta1 requratiori`tlnriuding but n6tJirti(ted. to building known U3 the nSumd ciatmant and nbtdisrlosed'it'tivriting ttitbe Corn, , - the: hsu ;lrrd zprir7saws, Ordinances, or, ulations) resirictin hned g g I claimant pini to the date jhe Insured clot ant,catrie an iru5tt"rte utidehts (rill 660Paeseyt We, or enjoyment bf e land: tfil the eh apter,Idimension Ior location of (c) resUldnq in oo Coss or damage. tot the fouled clalirtatity„ p. ' Inv irnprpv lune I now or heteaner erected an the Candi, (fiU a separation fn riWnetslilp : (d) a«athlhg or created subsequent to; bate of Policy, or o€a eltang esn t ie dimeitstorys cr atea of the land or airy parcel of :which the land )S or.,(el resulting in loss or damage vvhiah twttld notlsave been. susta(, �d if the fiisu " arras a Par X div) envionmentaC protection, ar the effcKt of airy violat)On of these law§,had paid value for• the estate or interest insured by tills pdfi: , red claimant Ardonantet t gt rnmentaC regU"Cat)gns, except to the r tent that a notice Of the d• a of the lien of the insured mortgage because c t'he 9nab(ICty or fj,ture r:(Icem airereaf ora, notice of ttefeGt, (fen or crit itm) ranee ultlrlg from a Vtolatiott ry ie gSured at (75ie of Policy+, or the: inability or failure t) aaiy,subseque"nA ownetot` r a vaoiatfoh' atfectfng the land has begirt recorded in the ftublic records at Date th , n eittedne5s, to comply, tvrth applicable doing business tai 4f thestate fn which Of Pot the land is situated , ilii 1»y,guv?rr »ierital �to(ICe ptni�r not ocluded biy la) above, extent to the exiedt that S (nyalfditypr utteniorteabtlItyrif the Ifen b(th0fitured mortga: br cial " he arses out oithe transaction evidenced; t i t teof,tivhttlt g notice of a defect lied'aremtum4rartce resulfinla from t?y he fnsuretl mongagu.agd is bated Upon usury+ at, f, fiq, reed v�ofetian affecting the land has beets recorded In the public records ar arty tgrisumer;tredtt' rrtratection Or truth in fending law, aJ Clare otrPiaiicy; G« Any statutarY lien fpr #giVTces; labor or,fitareriais for t e ciaiatos priarifyaf arty statutory 2 (1C>tltts.of t it trent dtimafn unless notice bf thegxerc;se thereof has been recorded tri• the atn for ro a terns, labor or materials over the lien bf t�g itlsut€kI tn0ngage) arising trom Auibtltc recta at Date gtpoliGy, but riot excluding fratn cawertge my taking which has p me t o. work tClated to Inn Cand which IS rontratted for did Commenced rxcurred prtcsr tri, Date of Policy which Would be binding on "the rights of a purchaser" subsequent to Date of Policyand 1s nor financed to whole ot_ n f+att by proceeds of the #or ialuc �drrr#k+ut knrnvledg� fridebtedness secut'd sty the Insured rnongage which at Datq q! kb)fCv;prothe Insured t ; k Detects 1lerat-enturrl61amces, adverse claims, of other .matierst r 1s oblrRated fo t�dvdnce, advanced a n�fi rt CALIFOR 1 LAND T1TL9' S' `EXCL 4iiri" A aTINUED) I i e aidsfra«�ngrrsarteri are Expressly excluded f brei the cdyerage of (hispoticy and ihn Company r' "lilt Joss or damage, cdst;� attlty's Ines or expen5ns which ansa kir rda5on af; fitfi ordlnanceor govetrimental regulation (lnclvding,but hot Tlmhed to building ar +M a clnnglaws,titdlnances, or retplatforis) restricting, pO 'IbitIng orrelating to fit the GtiL2wieaa+ ii t�f, qr enjoyment of i d land, "110 the cpharacter dimeqsfons or lncatlor of jefy Metf)fjry fir . hereafter erected'on the land; lili� a sepatatfon 1 rnvnership raiz oiio n lh that dimensions or area of, the land or any parcel of which thea land ie+ or *W.1tnrtiv) envltonmdnfai protection, cr, the affect pf any violation of these Tates, uftistrr actwf,U/ �p ornmental regulations, except to the extent that a notice of the „ 4: ef.Cisa?t�xrrBnt tltGrtaf dr a molder of a defect, lien or encumbrance resulting (tubi a violation sy�J aTion affeClinq the ;land has been recorded In the:public tecords at Dale +a' 2sY nA sryp bra✓ jq,# tnMental police power not excluded by fa) above, exi epi to the , extent that 5. at srftlie trsstaisdthereof oranoticn of a defect, lien orencumbmricardsukinafrorn saes x5ti sof alfepd violation affecting the land has been recorded in the public records 61 �3s t+lro1{r/, ,n•, ciG �;rninent domain unfess;isodce ofihe exercise:�thereof has been recorded 1n file E �OLICY 19':0 czun.a,t nr aurnnrf rn Iw-thn iniflrtrrl.el:Irmant.. ��'. c ware H c w ... ._.� - , ,...r — -, oss or damage to, the insured clalmant7 ated subiequa t tp Date of Policy at rdamage whim swuld not hatebeen sustained Ilk imured oafmanj " the estate or interest Insured by this policy the If en bf the insured mortgage becauso of rhe inability of failure ate of polity, or the inability or failure of any Obseounnt ownerr of tornply with the applicable doing busUinss laws of the state In which rceabiitty of the lien of the insured mottgage, or claim thdreof, which $actionMcfencad by the insured inortgage and is based upon unsury . Mi r.;....�re�..n.._ne,rrrrh.I., lenrtrnn taw. . roardf "`,itis at date of Polity, but not nYcluding from coverage'am takin ; wnlch liar ca av,I41 arc +� c, url�+u ur Icucr nr uarrKruNra p ora_> rruv,.cu r, rumor ..r err• ..r„' :'�. cf ire priot to Date of Policy +rrhlch WoUld be binding on the tTgktts n _a purchaser ff Irkue tthdut Mowledge, ei"s, Glens, nttcumfsrancns, adverse clams, or other matters'. SCHEDULE B EXCEPTIONS FROM COVERAGE, lRug 9rs: r tiGes not insure against toss or damage (and the Compare/ will not pay costs, attorn'ey's fees or expenses) syhlch arise; by reason of.- PART ftPART 1' f waxesassessments v,h{Chard'itat shcryvn as existing liens by the records of any taxing 1 Ease ants liens or encumbrances. or clalms thereof, whlch are not shown by the public aItr-�rty that 1011as taxes i)r assessments on real pproperty or by the publiw rdcords, becords. -inBs by a public afJency which may result in t1xes or assessmen)s or notices 4. Dlsctepanctq$, coNies ii:3In boundary (fin, shortage In area, Pricroacitmunts, or`anyother +rDcEedings, whethnr'or,natshowo by the records cf "such agency of by thepublfc facts which a correct surveywould disclose, and tvFtrch are notsha+rn Ory the public records I (a) UnpaientAd mining claims; (b) reservations or exceptions In patents' or In acts x s ,dghts,tnterests dr claims which are not shoWn by the, pubfic records but which authoir{zing the issuance thereoft (c) Water rights, cfaims or title to water, whether br nut tF idU be ascertained:by an tnspection of the land or which may be assen6d by persons the matters excepted under (a), (b), or (c) are shown by the public records, in passyssion thereof, A-EWAN LAND ITLF ASSOCIATIO,~( LOAN POLICY (4.6.96) WITH,A.LT.A, ENDORSEMENT=°FOR,41, 1',.COVERAGE AND AMERICAN LAND TITLE ASSOCIATION LEASEHOLD LOAN POLICY (4.6-90)' WITH A.L.TrA END.ORSEh1ENT •FORM 1 COVERAGE SCHEDULi OF:EXCLUSIONS FROM COVERAGE 4..� �,...w...� ,. .,__ _„_... __._,_ wifJ cwt q a'{ Goss or damage, Costs, attorney s fees ar expenses wh{ch arise � reason ofa arc ttrirrn iudro�iibit{moat ntnyn to the Insur.+d claimant and not' fisc ase in ,vriting to (fie dmpart} ; e msur claimant t� insured under t il; polity loss or dam insured In tci t dtheainsured a aUon3l relstrictih ela}ding wutifitf e aj td,#4r ung tati 5, ardtnance., n reg i E P & s,,orde: jncec, . apaadsy, use, orentoyment'r f the land- (if) the. character, dimensions orlocatioo of resulting claims (dt a{caching orcreated subseC ant to Date of Polite. or }n lossor damage "not half bean 3uswined lf:the insumd ciafmant omens ria a or hernarrer nrected:on the land; (Ilii a se aration ri ownersTzi auty rr�> - . p p dlratdfaange in the dimen5ipns of air a of the hntl prat parcel of whir,” the land is d)rwa..x;part; or+ivi protection, or the afact of violatlon of the%0 (e}'resultir}g which,would had paid value for the esfate or (nterest insurs d 4! "this poftc�: 4. Unenforceability of'the lien of the fnsufed mortga$a becausanr the Inability or failure environmental Paws, acdnances or governmental regulations, except''to the extent that a notice, of+dte i idtn•thereofota notlCn dfadefect, Ifen orencumbnnte resulting (torn a vioiadon of the insured at Date of Polity, or the inability or failure of any subsequent owner of the indebtedness« ro eomply with applicable rid{ng business lati1� of the state (n Which ” rd violation affecting the land has been recorded {n ilia Public jeCdrds at Date Friary. the la d Is situated., S. invalidity or uitertforceability of the filen of the insured Mort go.: claim thereof, which age t�p;Aw_ mmentaf,poiice. ppti.wrnot excluded" by (al above, except to the extent that a%n? of the esferc!s ' thereor Ir a 11 n1 tite of a defect Ilan c•, encumbrance resulting f ng the land has been:recorded 1n the public ifa4a Don, or alleged vlo anon affects arises out of the transaction evidenced by the insured mortg it is basad upon usury or any consumer credit protection or truth In lending law Ek Any statutory I(ert rot services, labor or materiais lot the claim of priority of any $ta}utory ' f Z't reins: ak'1Jate o('f'oiicy. ai emir ant domain unless rloticp of the exercise thereof has been recorded its tion for services; isnot of materials over the lien of the insured mortgage),artsTn$ from an Improvement or vyork related to the land'Whlch is contracted for -and commenced fir, to iC recardsatDate of Pulley but not axtluding from coverage arty. taking which FiasIrred Aorto Oatd of Poiicyv+hich would he.binding on lite rights ofa purchaser subsequent to Date indebtedness secured of Policy and is not finar ced in xahole or is s by proce.'1`ds of the by tiro Insured mortgage tivhtch a: Date of f b icy the insured has j5rst t+�'" evithaut.knowledge. advanced or Is obligated W advance. flails, encumbrances. advtsrse claims, of other matters'. ra! {seat=d. suffered, assumed or agreed to by the insured batman i, +arty claim which arises onto( the transaction treating the Interest of the mdrtgagee'insumd by this po(Icy by reason ofihe bperatfon of fedptal bankruptcy state insolvency„or similar credUors fights Taws AMERICAN LAND TITLE ASSOCIATIbN OIWNER'S' POLICY 14.6=90) AND' AMERICAN LAND TITLE A5SOCI, TION LEASEHOLD OWNER'S POLICY (4.6.90j” 5CFIEDULE OF EXCLUSIONS FROM COVERAGE Tiw +Sar+{n$ tartan are represdfyexi fut�ad from the coverage of this poTrcy and tile Company has occurred prior is Date df �oifcy which tvoult bebindirg an the.ti$hts of a purchaser. wtTi .mat pay Sass or damage, costs, attorney's fees or expenses S+rhittt arise by reason o% h F 3+ ny I ,1 ordiHance or govemrnental regulation Iincludin ut':nptltmiteci tobuff ng i far Valva without knaviedge. Defects, liens; dncumbrances, adverse clams, or other rrianersl to by the,Insured cWlmanti grid xortinfg I*k, ordinances, o=ufJansyr rase, dr or7 ulations) restricting, prohibiting of fie sting to ifg7 enjoyment oft a.landi d0 the charac``er, dimensions orlocation tic j fat created, buffeted, assumed or agreed !b) trot known t o"theCoinpany,notrecorded10the~publicWordsat.DateofPolicy,but ` raytmprtrrement naw oc,� char&' {n the ar hdreafter erected, an tk, "!q�d: lint a,separation ip rnvnersn p dimensions or area or the Ijnd 6t'un parcel of which the land u known to the insured claimant and nd4 disclosed jn wnting;to the Company by the;insured ; tlaimant prior to, the date the insured claimant t)ptarne art fnsuted under this policy: tri .a# a ttatt, orit, environtneitt6f proteetiorY;'pr the effect of arty idolation of tFtdse izwi, ordiiaancds"or governmental regulations, nxtept to ihr! "extent chit a notice at t1ii Jttdrrier+tthetaof or a notito of a defect, lien ore icunlbrance resulting from violation Datp (cT tewlang to no loss or damage "to the Insun d clatmani; fall attaching at Created subsequept to D i of Policy, or " Val tdsWtinB iii loss ordarnage Wh{ch tti+ . bt hsustainedTf the insured ciaPilnt had value for the or inter bX 'thispot'n, tar xlteged yinlatlpn affecting the land has beers rpcortlad in the pubtiq recortls at �Tibllct paid estate t •T Xtryklaini,tvhichatlseSnuttithetrans,dc;i-.idatidgthe tntetnstotthert6ngagee;insureif. Col.ttty gove`nrri:nrai police Mwr notexciuded by fat abr>ue, except to the axl6t;ttat o eta p rJf tile G7terclsa ,thereof or a notice of a defect, Ada or dntumbrance resufting by this policy byreason ofihe oPeratlor o{ fede,aT bankruptcy, statelnsniventy, at similar !:Ted rsr rlgitts Tavti Irorrt aw' aupit, or alleged vfolad affecting the land has beer t4 nrded In the pub){o ac2ords4t Date of P;Ifcy ;TLigt is of emutent dotnaln unfrss notice df the exercise thereof hot been tecordetl to pub at rerrrtdsat Date o f Polity, faut not eiicluding' from tovhrage any ta)dntt, whl2ft p gg • itIi2U2t�DIAAO pUB"( Coverbage fn addition to the above* Wdslo s froth Coverage '.the ExC ptVioen4 lmm Coverage " in a standard" Goveragd poJjcq w)R xt_5o include the followirng tlenera! Excepdonst t � n�y hn Ir U G' d� S%HEDULE R_ $xCcPYiONS FROM COVERAGE f o '' d .'nril i�n`psure against loss or damagk, (and the Compaq will not pay costs, atiornev fees or expenses( tvitfth arise' !iy reason; oft ::.i.11h1 18 /��I u� PART t i. saxes or'assessments wnrc�j ar'e est showmas existing fferis lay 011 recdrt)s:'ufarty taxing authority that tdvies taxes o1` assessments on real }lropeay nrbyt the publlt retard « Ease ants ifenx•ur encumbrances, or claims thereof. which, ate not sho�vh by tfic- pubtie records, ` Proceedings by a public a{teryty which may insult fa taxes or odssments, br nbtfces stsuClrprisCeedings,wwheihernrnofshi vnlsytherrcntslsnfSuchagency'dfbythepuhCic a, Dlsprepanc(e5; cohftltts in boundary . shr)ri5gce m are el.n}atHnientS, Amoy other fistswhichacorrect $Uir ywould,,`ritscla5e,andvrirchknotslXthvniby+thepublic ' N blic words but which 2, Any ibis; i"gitrs, Imefes}s or tlaimsxvhich an. npt shoi4f l ihr psi FouCrl bn astermined;by ah lnspettfdn if the land Of w�ich may he dsspttull by!persd-M retards 6. f rr'Unfiaienidti tnrrtint; Maims; ilii rdservatfons tar excepuort its parents or 16Act's authotrizinq the issuance theredit 141 water rights, claims tar title to water, whathsi or ' ,n ptsssesssnn theree}1 ,I #totthe matters exceptesf:linttnt,Yatr tbT, ur +C!'A}o'shawr fry pObCic records, d 7 2 �V-4 IN W Nota MY �+ ., FD -11 r,