6078037 Warranty Deed & Title Ins. 2409 S. Evergreen 03l22/2012 02:4�:09 PM 6�78���
Raoording Fee $65.00 Pa9e 1 0[ 4
�arranty 6eed GOVERPaMENT> CITY OF SPOKANE VALLEY
5pokane Counly Washington
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Afte�-r-�cording ret�►ni documeiYk to:
City of Spoka�t�Valley
Pu}�lic Works Deparhilent
11707 E. S��rague Ave., Ste 344
Spakane Valley, W�99206
Dacur�ient Title: Wara•�i�ty Deed
Gi•autflrs: Lee :�nd �T��dith Cleghorii
Grantee: Gov�r•�u�ietit, City of Spalcaue Valley
Legal Desc�•iptiou: .h poz•tioit of V�R�r�I20aFT OF�V22QFT B210
Arl�litioual Legal Description is Attict�ed au E.r;l�ii�it"A" �i Exhibit"B" af Doc�nnent
Assesso�•'s Tax Parcel Yumber: 45263.010�
W�RRANTY DEED
City Street Address: 240� S. E��er�ree�i Raaci
THE GRANT�RS, Lee Cieghoin atic� Judith Cleghoa-��, hu�band aud i�rife, far and in
c�ansideration of S 1 D.00 and consideration O� ITllltllal 17�IlefltS in hand paid, iri liety af and
uncier t�ueat of the exercise of enlineiit doanain, conwey and waxz�ant to the City af Spoka�i�;
�alley, a municipal cor�oration of tlie St�te of Washir�gtou, THE GR_�NTEE, for puhlic use
farever, tt�e fallou�ing described xeal estate:
��� {� For legal ciescription and additional conditions
4;�
` �; �ee Right-of-Way Exhibits A &B �ttached liereta and macie a part hereof.
�� SUBJECT T4 all easemen�s, z-e��►-ictiox�s, cavenants and �trcumbrances af�•ecartl,
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t-� c;�
� ���� It is under�toad and agreed that deliveiy of this deed is liereby tenderecl ai�cl tt�at tl;e
. r�y�
�� tertns and obligations fYereaf s1ia11 nat beco���e binciing upoti tl7e City af S�jakane V�lley uriless
�,;� and uritil accepted and approved her�o�i in ivriling for the Cit� of Slja�Cane Valley, by tlie
`"' Spol�ane Valla�� Directar of PuUlic �'Vork�, Alsa, fhe undersig�ied hereby requests the
�� Assessar and Treas��rer of said Couzity to set-over to the �•ernaineler af tl}e he�ei�i ciesc�-ibed
i.� pa�•cel, the lieii of all i�npaici tax�es, if�rry, affec#itig t��e ��roperty hereby can��eyec�, as pro��ided
r� by RG� B�.Gfl,07�.
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D�TED fhis � day of ,r`��,�,l��- �` , 20I2
r.�,�'�'� (_�—c' ,/� � ����
lf ,���ti--�_` G r�i,�'J'�-�'�
Lee Clegltc�a-ii llCi tll Cle�llaf'll
Rcvised06109 Page 1 of2 Pages ParcellkTO, 452G3.O1Q1
STAT� OF VL�ASHINGTON )
'J 55.
CO LlIlf.�°Of --- �
The u�idersigried itotary public in and for t17e State of VVasliington does ltereby�certify tliat I
k�low or ha�e sakisfac�ory evidence that Lee Cle�liorii �nd Jndiflx Clegtiarn signed tl7is
ins�rument a�1d ackno��vle�ged it to be tlleic free and valuntary act �a�� tl�e uses and pur�ases
meritioned in the iustilii7ient.
Given�nder my 17and and afficial seal tl7is�day of �C , 2012.
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�%��j;'��t�,;�`,:�;��,:� Accepted anci Appraved
f�,+��`'����U'ASk''�;��`�t*.
,�������,,, CITY OF SPOI�1�rE VAL�LEY
Depar�ti7ient of Ptiblic ��Torks
��: �-� �
Nei1 Kersten
Directar o#'P«blic �arks
Date, �� � ° �
Attest: i
�tv1�`1��L<r�'i�fLG��.i„1(J
Page 2 af 2 Pa;es Parcel�?a. 4�2fi3,O1Q1
LANDTEK L-I-�
PiiOFESSIONAI. LAt�D SURVEYORS
s�e rr. r�nnEUr� sr��
SPC�1{ANE. WA�iINGTON 992b2 RIGHT-(��'-W�.Y EXHIBIT A
PHari� so4.9zs aezi Fhre sos.eza.27as
LEGA� D�SCRIP71�h1
Right of Way Ac�uisifion — Parc�l �45263.a�01
That portian of#t�� Narth 20�.OQ feet af Tract 210, VERA, as per plat recorde� in
Volume "O" of Plats, Pa�e 3G, records af Spokane County: described as follqv,�s:
BEGINNING at the northwest carne�of said Track 210; thence S02°39'S8°E alang tha
w�st lir�e vf said Tract 2�0, a distance af 2�a,0a feet to the south line ofthe nort�
2U0.00 feet of said Tract 2'f�;
thence N87°32'�49"E ��.fl0 feet along said south line;
tt�ence NO2°39'58"1N 169.89 feet to the point �f curve of a 30.00 foot radius cu�ve to the
rig hk;
t'�ence along sai� curve, through a central angle of 90°12'47°, an arc length of 47.24
feet to the north line of said Tract 210;
kh�nce S87°32'�9"IN�4.1'1 feet along said nor#h line to the Painf of Beginning;
sikuat� in the City of Spokane Valley, CaUnk}� of Spol�ane, State vf Wasningto�.
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O�WNER'S POLaCY OF TITLE fI�SURA�ICE
* * �
'�` * �or�,��mb� OX 08735434
�
�. � Issuetl�y�Id AepuCli�f�atior!al Title�nsuran�e Company
� ** Auy notice of claini and any olher nulice ur st�teuientin wriling requirec�ia 6e giuen to the
� �t Com�any under this Paliey must be yiuen ta the Comp���y at tlie ad�ress shown en Section 18
❑�tlie ConAitians.
�aVEREQ RI�KS
SUB.IECTTO THE EX�CLUSiONS�R4ht�CflVERAGE,THE EX�CtPTIOhlS FA�VI COUERAGE COh'T�JNED IN SCHE�UL�B,AtJ�TNf v�1M�ITIQNS,�L�J
REPUS�IG PdAFIC1NAL T1TLE lNSU�ANCE CONI?A�\�Y,a Minnesot� corporalion[thE"Company"!ins�ares,as of pate af P�licy and,to the extei�t s[ate�i
in Covarea�iisks 9 and 1�,afler 6aie of Palic.q, againsE lossor da mage,not exceetiinc�the Amnuntof InsurancE,sustained ar incurretf by tFe Insur�d
6y;ea5on nf:
1.Title oeing sresled oliier li�an as sta�eJ in 5chedulo A.
2.Any defect in or lien or entumbrance on the Tilfe.Th's Covered Ris�incl�des bat is not limiteu t�i�surance against Ic�ss tram:
{aM A deReck;r�[h,e Title���.os��.i hy
�i;�f�rgery.frau�,undua in(luence,�uress,incon��petercy,incapacity,or impersonation;
�ii�fafl�re of any parson or Cntity ta F:ave authorized a transfar or conv�yance;
(iii�a da[umeni affectiny TiUe iv�l pio�eilycre�ted,ez�cut�cl,u�itnes�e�,sealed,ackr�+�led�ed.riotari��d,oi delivered;
(i�.��fail�r�io pert'arm ihose acts necessaryto create�document by el�ct�on c r�ear�s a�t�orizetl hy lavr,
[ui a du!�nie:�t�xECUteJ und�r a ialsifletl,ex�ired,ar atherwise invafid povrer af Gttor�ey;
�vi�a daeument rot prape•ly#ilad, �ecorded,or indexed in t�e Fu61ie Recar�s including failure to FerforR�Ihas�acls byelectronic
mea�s auttioriaed�y 1a4��;ar
[vii} a defe�.tiue ju��i�rial or adminislrat�ve proeeeding.
�bl TI7e lier7 af iaal�state tazes or assess,�nents irrposed on rhe Ttle 6y a gcvarnmenial aut�or�ry tlue or paya�le,�rut un�ai�J.
{c}Any encrnachnent,enc:imhrance,i�iolaiion,variatian,or�dvesse cir�timstanc�ai�ar,tin�rhP Titla tnar w�iild'nP tlFS�lased by ar�ac�urate
and co�nplete land sun��}'o(the Land, The term"encroaehrrent°in�l�des encr:;ac#�menks u`.existing improvenents[o�ateo on tha�and
onto a��oinii��land,and siicroachments onia tne Land of e�+istii�g im�roa�ements located on adjoiorin�lar�d.
3.Ur�matketable7itle.
4.Nn right of avicess to and fram the Lan�.
5.The violalicn ar ent�rcernent�t any lativ,or��inance,permit,or goti�emm€;nlal rpgulatian(inclutling thos�refaling to buildi+�g and znning}ies�rie[iiiy,
r�egulat�ng,p:ohibiting,ar relating to
(a}ih�o�cupancy,use,or enjoti�ment af�he Land;
[bi [he�t�aracter,dimensiors.�r locatian af any imp�over�ei�t erected on 1fi�Land;
[c�the subtlivision of land;or
�d; e:nvironmental�rotec#ion
if z notice.�escribing ar�y F�arl oi the��nd,is reca�ded in the Public ReLords settinp farth the t�iolation or inte�tian to e�(orce,h�t anly tn the exten:
�f t�e vic9at�on or enfarcerr,ent referred to in that notice.
OLU REPl18LIC NATIONALTITLEINSUAANCE GO�APANY
Issued khrough the ofFica af; A Stcck C�rnparry
SPQKRN� C@�1NTY TETLE pOtivec[�nt�Avancr�+rnirth,Mirnr.�perll,s,lui��nnesal�a5a�4`Fl
Ct)MPANY [srz����-r�r r
c�oRmanrF�aul�o�r��,surre�oq
�oso ra.No��rarao�e sr��r
SPf}K�INE,wr�s��wcrora ��ai
COant�signad.� f\ BY - . - f'rasidar;f
� Ip r y � - -
��``�� � l!'�M G,' t.� �`,�,�`,, V I � r �}; _ _
` a ��
Autfx�tlzed.Officer or Agent pt�,yr ��.i;�-�.:,.;�:,:�{;���{� Secreta
�RTFarm 43J9 � -,_..- �
4�TAOr�nore Paliry ol TAIa f-�saran:e 6�1 L06
awr�ERS Poucv
Schedule A
OHice File Number Policy�lumbar Qale of Poliey Amounl oi Insu•ance Premium
179730 OX U8735434 March 23, 2012 at $1,OOO.dO $270.�D
8:0� a.rn.
i. Name of Insured:
CITY dF SPDKANE VALLEY, a municipal corparatinn
2, Tt�e estate ar interest in the land w'�ich Fs cDVered by this palicy is:
FEE SIMPLE
3. The estate or interest in th� land is vested in:
CITY DF SPOKANE VALLEY, a munic�pal corporation
�4. The land referred to in this Policy is describe� as folloti+vs:
See �xhibit A atiached her�eto and made a part hereof.
Countersigned ,
i-��, � � �'
By� ������`v,?�,��,�^;�,4�.��,r, ''1 � .
Authorized flffi�er or Agent
SPOKAh1E COUI�TY TITLE CQMPANY
NORTH�Ah11i BUILDING, SUITE 100 *'� *
1010 N.NQRMAh1QIE STREET * r ** L�n AgBnt Df
* L� � (}Id Republic Naiior�al
SPQKANE, V'1ASHIh1GTON 99201 ,k �` Title Insurance Ct�rr� fifl
TfLEPHONE (549]326-2626 * * ,t p Y
This policy valiti anly if Schedule B is attached.
I
Exhfbii A
That pt�rtion of the �J4rth 20[1.0� fee# of Tract 210, VERA, as per piat recorded Pn Valume
"D" of Plats, page 30, recards af Spok�ne County, des�ribed as fallaws:
BEGINNIIVG at the Northwest carner af said Tract 210;
Thence Sou1h 02°39'58" East along Ihe 1Nest line of said Tract 210, a distance �fi 2QO.a0
feet to the South line of ti�e North �00.0�feet af said Traet 210;
Thence Norfh 87°32'49"` East 10,a0 feet along saiti Saukh line;
Thence Norfh a2°39'58" West 189.89 fee# ta the point of cur�re a� a 3fl.�0 fool radius cur�re
ta the ri�h#;
Thence along said curue, thraugh a cen#ral angle of 90°12'47", an arc length of 47.24 feet
to the Narth line of said Tract 210,
Thence Sauih SZ°32'4�" Wesf G0.11 feet along $aid hlorth fine to tMe Point af 8eginning;
Situake i� t�e Ciiy of Spokane Valley, Gour�ty af S�okane, State of Washington.
I
C�WNERS PflLICY
SCHEDULE B - PART I
File h�umber: 179730 Pr�iicy Numoer: OK 0873�434
EXCEPTIONS FROM COVERAGE
This po`icy does not insure againsk lass or damage{and the Company vrill nok pay eosts,attorney's Pees ar expe^ses}, r=ahich ariss
by reason oF:
STAN�ARD E?CCEPTIQNS:
1. Righks or clain�s of pari+�s in pos5essi�n,o�claiming passession,nat shov;n by the Pu�lic Records
2. A.ny errctoachmenk, encumhrance, vialakion, variakion, ar ativerse clrcumslance affect�ng 1he Title lhal wo�ild be disclose�i by
an accurate and complete land suroey of 1he Lantl.
3. Easemenls, prescriptive rights,rights of-r^ray, liens or er�cumbrances,ar vlaims thereof,no[sEiQ:vn by the Puks'ic Reeords.
q. Any lien, or right to a lien, for c�ntrib:.lio�.s to em�doyee be��efit funds, or for state�.•rorrers' campensation, or for services.
labor,or material hereloiore or hereafte�+urnished, all as impased by lavr,and not sho�:rn by the Public R¢cords.
5. T�es or speciai assessm�nts v�hich are nol yet pay�abla or which are not shoavn as existing liens k�y ihe Public Records.
6. Any Ilen fo�service, insiallation, conneclio�, mainienance, tap, cz�paciiy, �r conslruction o• similar charges fcr sevrer, vfal°r,
eleciricity,nakural gas ar olher utilities.or for garbage�ollection ard disposal not shown by the Public Records
7. Unpalented min ng claims,and a'I ri�hts relaling iherelo,
e. Resenrations and axceptions in the United States Patents or In Acts authofizing 1he�ssuance ihereof.
9. Indian tripal codes or regulalions, Indian Ireaiy oe aborigin�i nghts,inc�uding easements or equitabie servitudes.
10. 1�Jater rigMs,clairns or litle to�^rater.
SPECIAL EXCEPTfONS:
1. LIABILITY T4 ASSESSMENTS, if any, by the City of 5pc�kane Valley.
2, LIABILITY TD ASSESSMENTS, bf any, by Vera Water& Porver.
3, DEED 4F TRLIST, to secure an indeb#edness, including any interesi, advances, or other
t�bligations secwred thereby;
, Amaunt: $208,Opa.Oo
Dated: Jun�e 4, 2005
Recorded: June 13, 2005
Recording h�o.: 5229662
Grantor; Lee Cleghorn and .ludith Cleghorn,
husband and wife
Trustee: Jaan H. Andersfln, EVP on behalf af Flagstar Bank,
FSB
Beneficiary: Mortgag� Electronic Registradifln Sysiems, Inc., as
namine� for Faundation Capital Group, InC,
Affects. Said prernises and other property
SCH�DULE 13-ca�itiiiued
File f�umber: 179730 P�licy Na, OX 08735434
4, DEEa aF TRUST, �o secure an ind�bkedness, including any interest, acivances, or othar
e►hl�gatians secured th�reby;
Amount: $3fl,2$r.00
Dated: February 'i,2fl12
Recorded: Februar�r 6,2fl12
Recording No.: 6a64985
Grantar: Lee Cleghorn ar�d Judith Cleghorn,
husband and wife
Trusiee: fnland Prof�ssional Titfe
Beneficiary: Spokane Law Eniarcement Credik Union
Affects: Said �remises and other propertp
5, AGREE{1�ENT, including the terms and c�nditions�thereof;
Sefv►►een: Vera Efectric Wafer Campar�y
And: D.K. McDonal�i,A.C. Jamison and Andrew
Gavd
Dat�d; April 25, 19D8
Recdrded in: Book"H" of Contracts, pa�e 292
For: Pra�ris�ons ta prc�vide utilities and inc�denfal
ser►�ices
6, CQVENANTS CONQ�ITIONS AND RESTRICTIOIVS coniained in Declaration oi�test�ietians, but
omitting any covenants or restrictions, if any, based upon race, caior, religior�, sex, sexual
arientatior�, familial staius, marital sfiatus, disability, handicap, national orig'rn, ancesfry, ar
saurce of incc�me, as set forth in applica�le state ar federal laws, except ta the extent that said
cavenant or restriction is permitted E�y appEicab[e law;
Ftecorded: May 2�, 1953
Reevrding Nv.: 624941 B
Exe�uteci by; Vera Irrigafion District No. 15
As follo+�s:
"Th�Grantor res�rves the right to construct, repair and mamiain o�er and across said
premises any ditches,f�umes, pipe Iines and electrical lines, naw existing or hereaffer required
by the Grantorfor district service, and the Grantar re§erves an easemen#and necessary rights
of way thereon and therein for said purposes; and the Grantor furth�r reserves the right to
make reasanable rules and regulations regarding district services to and for said prernises Qr
any part or parts thereaf fQr any an�l all distric�purpases."
ENti OF SP�CIAL �?CG��TIONS
�
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SCHLllUL� 13 -crantinuecl
File Number: 179730 Policy No. 0�: (1i37�:��1:�f1
NO7'�S:
1. GENERAL. R�AL �STATE TAX�S, (includir�g amour�ts for Aquifer, Starm Water, Irrigation,
Drainage Water, and Flood Conirol, if any), for the year 2D12, WHICH HAVE B��N PAI� IN
�ULL;
Amaunt: $3,221.51
Tax AGCVUnt No,: �15�63.a1D1
Affecks: Said premises and other�aroper#y
�N� f7� NOTES
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n eo�T�4N�fi�r��SW �un�-rs�oe s�riar� �� _,'rovnvsit�r�25 ,Manir�naiv�� �� �,�;,�sT,v�.rr.
� � THIS SKETCH 15 FURf!l�HE�FQF2 IIJFDZh1�FIi7CdAL PUF2.1'C:SES
ONLY TO ASSIST IN PRGPEFfTl'LCJGATIOiJ. ❑IPAEWSIQNS F,RE
(„°���,h�ft: �CJOT GL1RRAf�fTE�D kllD ti1J5�I�OT BE fZELIEp U?Ohf TC
J �C"11 V Id p�TERMIV�ACREAGE OR SHAoC. 'fH15 t;�JNPA11YA55Ul�!ES NO
�t�l�'�TTV N tIABILIT'Y`VR LG55 INGURREC BY RE�ASV�ti OR RELIP.f�CE
� ��JUtV 1 .L � ThIEREDN.
��^� SP01{ANE COU NTY TITLE C dM PAf�Y
326-ZF�26
•,5ervice Is Tl�e Diff�renee••
6.An enforcvment activn trased on the exe�cise of a gavernrnentsl police pawer not co�rerec by Co��eretl Risk 5 if a noti�e of the enfofcemant
acti�n,��sscribing any part af the land,Gs iecorded in the Publlc�leLords,but only in tha extant of th�enforcement referred ta in that notic�. �
7. fhe exErcise af t�e rights of eminentdomair•if a notice of Fh�exercise,describint�any part oi ihe i_and, is recartl2d in the P�blic Racords.
8.Any tak�r}g hy a go�rernrnenlal 6odythaf nas oe�urred and is�inding an the rig�ts af a pu'cha<.er for value wiihout KnovJl2dga.
3.Title b�iny vested oiher than as siated io 5chedule A or�eing defective
�a�as a resultoFtYe zvoijance in�ti�h�lE nr in parl,or froma ccurE ord2r F�ro�,riding an alternative remedy,ed a kransfer of all or any part of
the:itle[v or any interest i n ihe Eand tccurring prsor kc�he transa�.�iun vasting Tille as sliuv�ii iu 5G1ie�lufe A b�cdusa that prior transler
canstituted a fraudulent aa prafe�er:lial transfer under federal ban'�ruptcy,state insolvency,�r sirnilar creditors'rights la4vs:or
;b}becaase the instrum�rrt�,flransfer vesting ritle as sha�Jdn ir�Schadu°e A constitutes a prefEr�ntlal transfer undsr federal bankruptcy,
sta`e insoluancy,or similar cre�itars'rights fat�s by reason of the failure of 31s recording in t�e Public Recvrtls
iil to he timely,or
(li}to impart n�tFCe of its�xlster�ce to a purchaser fcrval�e or ia a
judyr�tent�r lien eredltor.
1C1.Any de4eck in or lien ar encumbrance on the Title or oEhs�matker incl uded in Covered Risks 1 k�cauoh 9 that h�s been craated ot�tlached o�r€�as
be2n filed or recor��d in the Public Reco•ds subsequent to Daie of Folicy anc p•ior to the€ecor�in�of thede2�o•o#hsr�nstrument of traasfer i n lhe
P�blic Aecards ihat wesls T9t`e as shosvn tn Sche�ule A,
The Corrpan��titi�ll also payth�costs,attarnays'fees,ar.tl expenses inc�ired in deie�se of any rnauer insured a�ainst bythis Pclicy,�ata�ly ta the
e�tent provided in the Canditinns
�}[Cl.USIONS F�OM CflVERA�E
Tlie fcllawing matters ere expressly exduded fram ihe coti�eragE of ;E)not Knoivn t3 the Campany,not recorded'n the Puhlic
this poli�y,znd if��Compa�y vrill not pay lass ar damage,cosE�, Records at Date of Pal'icy,hut Known to the Ins��red Clairnant
attarne��s'fees,o�ex��enses khat arise b��reasvn v!: and n�t tlisclosed in writin�#a the Cflm�ar:y�y t�e InsurecE
CEaimant p�iar to the date the Insured Claimani became an
1. �a}p,ny la�rr,ordinance,permi�,ar gouernrnsntal rec�ulation �nsuretl under this palicy;
�including those relating to b�il�ing and zoning)restricting, [c]resultin,in�o loss er darrtage ta the Insurad Claimant;
regulaling,p•oh�biting,ar reletirg ta [dJ aitaehing ar created s��bse�a,uent ro Date oF Policy
fhowavar,t�is c�oes not rnodify ar limit the cc•w��age prov'd�d
[i}the accupancy,use,or Enjoyment�1 ti�e La�d; under Coue•e�Aisk S an� 10];ar
fiil th�character,di�ns�sians,or loczcion of aay [e)r�sultin�in lossor damage that woul�f n�t have bPen
im�rrovem�nt erec[ed Qn th�Land; sustaiaed if the fnsuled C�aimani had paid value fcr tlre Ti�1e.
[iii�the suhdiuis3nn nf land;or
(ivJ er�virvnrnerrtal prate�tion; 4.An}r claim,by reason of th�naerak'son af fe�eraf ban'�ru�tcy,state
i nsolti�Enc��,or similar credi:ors'riohts laws,that the trar�saekion
or the eifect�f any�iolation of ihese latvs,ordir•ances,ar govern vesiing the Title as shotivn ir Srhedul�A,is
mental r�gulations. i his Exclusion 1(a}does�ot mcdiFy oi limit th�
caveiace oravided under Cave�ed Risk 5. {a}a fr�u�ulen�c�nueyance r,r fraudulent transfer;or
{b�Any go��emm�ntal pa�ice po�ti�er. 7his Exclusian 1{b�does�to[ {b]a pieferantial transfer for any reason not stated in Coti�ered
modify or limit ihe coverag2 prcvidetl unJer Cove►ed�is�6. Ris't 9 o-f thls�olicy.
?..Riuhts nE Pn�inen*rio-main.This Exclusion does notmo�ify or limit 5.Any i;Rn nr�tliP Titl�fnr r�a I�:s�at�t,�xps nr assassn'enls iinposec�
t'ne eoverage pravided�nder�overed Risk 7 or S �ti�5overnmar��al aulhorirr and cr�ate�or attaching bet�ti�ean t7ate
of Policy an�the date nf recording of[h�deed ar athar instrumeni
3.�efec:s.li�ns,encu€nbrances,adue�se claims,orotl�e�rr�tters of kranafe�i�the�uh1 ic Racc�rds jhat vests Titie as shavm in
Scnsdul e A.
{a)crealed,suffered,ass��med,or a�ree�te by the Insure�l
Glaimant;
Pa�r 2
h
CQNDITIOiVS ANf} 5`TIPULATfONS
1 f}EFIhJ1T101+t OF TERMS purciiasa,lease,or lenc�if tltere is a caniract�al candiiion requirir:[�
Thr follo��ing tearrs Lvhen used is�this policy mean: ihe delive�y of marketak�le title.
�a}"Arrount of I�surance'�: The arnoun'stated in Schedufe A,as rrfay
be I n�reasad or decreas�d�y endorsemen;to this policy, ir��ieasetl � CONTINUATION QF INSURAHICE
�iy Sectio.�B�b�,ol decreased hySec[ions�i and 17 of th�ese Conditions The covera�e of this palicy shall cantir�ue i n foree as of�ate of
�b�"�ate of Policy": T'�e date designated as"Date af Pofiey"in Policy in fatio•of an Insure�,�ut anly so long as the ln.��rea retains
5chedule A. an estate oi i�terest in the Land,or holds ai�atligation secureo ���
fc�"Entity°: A�orporation,partnership,krust,limit�d fiabslity a purct�ase moneY��a�tgage giti�en by a purchaser�tom ih�Insur9d,
company,or other similar legal e�tity+. aronly so lon�as the In�t�red shall hava lia6�lity b,+reason of
v�rarranties in any tra�rsfer o�'conveyance of the Tiile. This polic��
�d}"Insure�': Th�Inst�ree narned ir�S�heduleA. sha:l not cnntinua in forc�in iati+or of any purc�aser f�❑rr tlie
►il�he terrn'Insured"als�includes Insured oFeithe�[i�an e�tate nr intarest In t�p 9_and, a;�ii�an
(Af sr�cc?ssars to the Titie oi;he Insured 6y ap�ration nl lav,ras atrliGation securad by a�urchasa money�rlarig�g�given kc the
dist�r�gulshe�from purchase,includi��heirs,devisyes,s�n�ivors, Insured.
personal rep,esantatiaes,or next arlcin;
[B}succesvflrs to an fnsu�ed bydissalution,merger,eo�s�Rdation, 3. NUTIC�[�F GLAIM TO BE G IVEN BY INSURE�CLAIMANi'
distrEhufion,or rer�rgan�ration; TY�e Insured sh:all notiFy ti�e Corr�any promptly in et�ritinr��i$tn case
[C)successars Co sn I naured by its conversion 10 another kind of of any liiigation as sek�ortli in Sectien 5�;a�of thase Condition�,;iij
Entity: - ir�case Kno�rffedge shall come*.o en Insured hereunde�of any�laim
�p� a grantee oP an I�s�red under a dee�delia�red tivitEtout a#titla or interest that is adverse to t�e Title,aa ins�irprl,and[hai
paym�nt of a�tual valu�ble c�nsid2raCion tonveyin�thP Titl2 n�iyhl cause 13ss or darra�e for aahic3i 11t=Camaany may be IizhPv
[1)ii tiie stc�ck,shares,mem9er�hips,n�other eq�iiEy �y vit#ue ef this palic�i�,or(i�iJ if the Ti;le,a�'insuEed,is reje��ted as
inteies�s oF the grantee are�,vholly o�vneci k�y t#le Un�narketable Title. If the Company is�rejutlic��by the ta Ju'e af
narr�d Insured, the Irsured ClaimGnt tn�rovide prompt not:ce,the Cornpany's
l+abilitti�to the Ir�s��re�C aimant untler the policy shall�e reduced
�2�ii the g�aniee tvhall}�o�,vns the nam�lnsured, to thE eHtent e.f the Frejudice.
{3�if#he grantee is���holly-o��+med by a n af�ilia#ed
En`.ily of the namedlnsuretl,pravided the affillated 4. !'ROiIF aF�OSS
Enti�y and the nameo Insureo are�oth vah�lly-at�.�ned In ti�e e��nt ihe Cor�pai7y is unable tc dete�rnine t��e amuunt oi
byihe same�erro�t ar[ntity,or loss ordamage,th�Campany r�ay,atits option,re�u�re as a condtion
14�ii the g�antee is a trustee orbenefi�iary af�Vust o#payrnent t�at tl7a Insure�l Cl2iinant iumisi�a signed pr�of of IoSs.
cre�ieo by a written i�strurneni established Cy the The praof c�f Iess r��ust describe the eefect,lies�,enc�r�branc�,oi
Insured named in Schetluie A fcr estat2�lanning olher mat�er insure�against by this p�licy that cc�nstitutes t�e
purposes. bssis oi lass or dar�ac��and sfi�al!stale,to tha extenc possihle,the
;ii�i+"dith reg2rd ta�,AI,���,�C�,ana(aj reserving hovreved,all rights basis oi calculating�he arraunt of th�loss ar damage.
and tlEfenses as�o any s�ccessor t�at tha Com�any��rould have ha�
against any predecessor lnsured. 5. DEFENSE ANR PR4SECl�TION UFACTI4N5
fe�'Insured Claimant': An Ins��ad claiming loss or damage. I�;°U�on vrri�te�reques��r th�Insured,antl su�ject to tt�e opbo�s
If�"Knowl�dge°❑r'K�oavn'; Act�a'kno�^1ledge,n�1 construstiva con'ained in Se,t�on l of these Condi�ions,the Company,at its
knov�ladge c�r notiee Elrat may be'�m�uted to an I�sured�y reason of ov�n eost and�.vithout unreasonable delay,shall pravi�+�for the
the Pu��ic Recortls ar any other re�ords that impart cons�ru�titi•e defense of an Insured in litigatien in whic6i any th�r�party�asse�ts
no�lce of mattets�ffeetin the Titla. a cfairn covered by t�is�,oliey aduerse to ti�e Insured.This ac�liga:ian
g is lirnited lo on':y thos2 skated ca.�ses of action allecing matEers
�g�"Land": fiE landdescribsd in Scheciu�eA,and sfli�ed irnpraveri�e��s insurad aga'nst by th€s policy. 7ha C�mpa�y shall hava the r�g+it ta
that by latv constitute real�rcpert��. The ternt"lar:�"eaes no: sel2et c��ursei of its c�oiee�sub;ect to ihe right af th�Irsured to
In::lud2 any pro�erty beyord the lines of the area described ir� �tjecl�or reasonabEe caussl to reprasenl sh�laswe�i as[u il7nse
Schedule A,nGr any right,title,i�k�rest,estat�,oi easemant i� stated eauses o`a�tian. It shal!nat t�iiabls far and���ill not pay
abuttir:g streets,roads,avenues,alEeys,lanes,ways,or waterv�•ays, tM fees oi any akher cnunsei. ���e Cei7ipa�y����II not pay anq iees,
but ihis doss not modify or limi�the extent:ha:a rightof acces�:o costs, or expenses:ncurred k�y the€nsured in the tlefersa o1�hose
and frcm ihe Land is Ansured by this�nlicy. causes of a�i.anihat allege matte�s not insursd aeainst by this po!icy.
�hM"h4ort�a��e': f�lorlgage,dee:�of tiust,trust deed,vr athar security 1b; The Cc�mpar�y snall have the right,in aoditlan to the aptions
insErument,in�lUding ane evi�enc�d by el�tior�ic means aut�torized ���1��ned in Seet��n 7 af these Conditians,at its ovrn cast,to
by la4v. institute and prosecute any actian ai procaetlir�er to do any
(i}'Pualac fiecards': Re�ords esiaClished urder staie stat�3es at other�ck that in it�opinion may he necessary or des��able t�
l3ate of Nmlie for tt�e tir ose o#im art�n consiructi^re notice ot esia6lish the Ti?I2,as insEFrPd,nr�n nrpvpnt nr rpt�ur,�Inss nr
m�tters relat'ng to real pc�erty to�urcltiasers tor value and titi�ithout damage 1n th�Ir�sured. Th�C:�m�any may taice anyappraprial�
Krov�letlyP Witn respect to Co�lerad Risk S�dL `Public flecords' action under the te�ms o(this policy,wnether or n�°it shall ae
liable ta tk�e Insuie�. The exeic�se of these iights sha'I nat bs an
sf:al�also includ�snvironmental protectiar�li?ns tiled inths recards admission of liab'iitynr tvaivEr of any pral�sion nf tl7is policy
of the deik of the L nit�d 5tates�iskrict Court fcr the tlistrist whera If tf3s Compzny exe�cises its rights u��ier this s�,b�ec�io,,:t must
th�Laiad is lo�aked. tlo so dilipenll)�.
�j¢'"Title" �he estate or°nterest d�scribed in Schedule A �cJ NJhenever t5e Campany briiigs an actiUn or asserls a defensa
�k}"Un�nasketable Title" T�tle aff�ct�d by an allaged ar apperent as require�l ar permitted by�his palicy,the ComNany may pursue
matter that vroultl�errnit a prospeclive purclraser or lessee o#the the lili�ation ia a final datermination by a c�ur[af�ampet�nt
TiEie�r I�nder an t�ie Title ta he re eased�rom#ne obligation io jurisdic�ivn,�n�ik expressly�aserves the righi,in i�s sole
discreti��n,to appeal any adverse judgment or arder.
Page 3
GaI�QITEUN5 AN�S71Plf LAT(ON5(can't}
6. UUTY dF1NSUf�ED CLA1MAf�T TO GDOPE�iATE polir_y.In addit'�o�t,the�orr.panyt+,'il�r�ay any costs,attorneys'f�es,
(al In all cases w6�aie:l�is�oiicy p2rrr:its o�req�ires the C�rnpa�y and ex�enses inci�rre�hy Ene�nsured Claimant tnat twere authc�ri�ed
io prosecute or pro�ide�c•i Ihe�efense of 2ny action or proceed�ng �Y 1���omparry up to ihe time of pa�ment ar.d that the Cornpa�y�i�
ar�d any�ppeals,th�Ins�red shall secirre to th2 Cor�pany th•e right Q��igated to pay,o�
10 so presecute or provide defer�s�in t;�saction or proeeeding, �'�i1 Ta payaroti�erwise:ettla titi�iih the Insured CE�imant tne loss
inc�uding ti�e right t�use,at its o�tien,the narna flf the Insured tec or damage pro�ridsd ior under ti7is policy,tagether witn any cosls,
ihis purpose. ti1lh�er�e�.�er�aquest�d t,y th�Cam��any,tl�s Ins�re;i, att�orne�ys'fees,and ex:enses incurred by the Insured C!aimant:ha:
at the Compam�s expense,shell gi�de th4 C�mpany all reasonable �rfpre aul�ari�ed by�i�e Co�r�pGny up ta the time af G�ayment ant!that
aid(;}in securing etiidence,ol�taining�rritnesses,prusecUting or th�Company is obligatEd Cc pay.
. defendir�g the action oi proceeding,or aifecting set�lement,and
{ii�in ar�y oti�er lati�d�kl act thai i n tFe opinian oi the Campany ma�r �pai�the exercise by th��ampany of either af tfie aptions provided
be n�cessaryor desirabl�t�a esiablish the TI�I�or amr other rr,atler fQl in su'�sections{b;[i}or lii�,tfae Company's o�rligatians#a the Insured
as ins��red. If t�e Compan��is prej�diced by ttie failure af ttie untle�this policy for ihe claimeo loss or damoge,ather tt�an the
Ins�red ta iurnis#�the requiretl coo��•ation,the Camp�ny's obligatians �ayrren1s required to be made.shafl terrninale,in�l�ding any liabil ty
lo the Insu�ed under the_policyshall terminale,incaadirg any or ablioation to defentl,pr�secute,or continua a�y 1�tigation.
liahili�yflr obligakion tn defen:i,prosecuF�,ar�ontinue any IiNgation,
4v�th ragard:o the rnatter or matt�rs requiting such caoperaiian, g,pETERMINATIDN ANL}�?LTENi OF L�ABILITY
{bw The Compar�y ir,ay reasonaCly require the Insured Clairnant to This palicy is a contract of indemrtity aaainst act��al m�n�tary lass or
suh,��it to ea�ar�tinafioit untler oath ay any a�tfrari�e�re�res�ntative damaye sustainedar inc�netl byths Insured Claimant w+ha has su#E�red
of the Campar�y and to pfaducs for examtnaiioi�, irs�ectia7,and loss or dam�ge by reason of matiers'i nsurEd ag�inst by lhis polic�r.
c�apying,at sua�reasanabla kimes a�d plaees as rrra��be designate� {a}The e�ent of IiaCility of th:e Gampany 1n�loss or can��age undar
by the autt�orized reprasenlative of t�e Compai�y,all�e,ords,in ihis policp s�all rat exc�ed 1he lesser of
4�rhatever rr�eclum rnaintain�d, inr,luding boeks,lad�ers,checks, {i]the Amo��nt al Insurance, or
me�aoranda,cnrrespondence,repor�s,e-mails,dis<s,tapes,and {ii}ttre difference beh{+oen the value og the '-i:le as r�sured and the
viaeos whethe•6earing a dat��eiare ar after Q�ta of Policy,4hat yalue af the Tiile subjec�:o tha rlsk insuie�againstbyt�is poi cy
reasonah9y pertair�ta lhe loss ar da�tage. Furth�r,if requested by (b)If tha Company putsuES i?s iights under Section 5 of these
any authcrizEd�epresentalive cf the Com,�ny,tha Insured Claiir:aiat �o��itiors an�is unsuccess`ul in�stablishing tne 7itle,as insured,
s`�all orant its parrnisson,in titi�iFing,for anyautharized representakive NI th�Amo�nt ot li�s«rance shall he increasad by 10°��,anri
ot tne Campan�+to examine,ir�speet,ana capy all of tnese reco•tls (�i}ti�e ensured Claimant sh,a�l have the ri�ht to nave t�e las,cr
ii:the tus[ady or eartral of a khirs#parly.ha:reasonably pertain ta dar�age�eteimfn��either as nf tiie date ihe clairai was made�y
the loss or d�mzge. All inforrr.:tio,7 d�signated as confident�al€�y 1ha Irsured Claimant or as of ths daka ii:s settla�and paid.
th�Insured Ciairr.ar;t providatl to si7e Corr:p�ny purst�an[to thls (c�In�ddition ca the extent of liability��naer{a}�nd���,tl�e Company
Se�lian s�all nok be disclased to�thars unless,in the�easonable Y�iIE aGse paythose costs,aUame�s"I�es,and exper�ses incu•rad in
ju�gment of 1ha Camp�ny,it is n2cessary i n the adm�nistra<ion of ac��rdanee�.�r+th Secti�ns 5 and 7 of Il��ese Con�iitions.
thecla�m. Failure of ifiie Ins�re��C aima�t to s��b-nii for examinatian
ur�tler aath,prc�duce any teasoria6ly requested infarrnalion,or y.����TA710N OF LI.481L1�Y
grant o�rmission#o sGcure ie�sonably neces�ary i�lormabon frorn [aJ�f the Cornpany establishes i�e Title,o�remoues the atfeged
third pa€ties as required i�th s subsectinn,unless prol7ibiied by oefect,lien,ar encumbran�s,or cures the lack af a rig��t af a�c�ss
lasv or governmFntal r�gulat on, shall termin�te an�y Piabilayo uf the ka orf�om the Land,or cures[he claim of Un�narketaole�itle,all as
Campany unc�er th�s policy as to that clai�r. insured,in a reaso�ably diligent manner�y any met��d,inr,luding
7. OPTI(]NS 70 PAY OROT�I�.RWISE SETTLE CiAIIVfS; liti�ation ar�d the co,�pletlan af any sppeals,it st��l3 havE fully
7ERMINATI�N OFtIABILITY perfarmed its oCli;ations�.+dith tespeci to t�at matter an�i shall not
be liatle lor any loss or darnage caused ta the Insure�
In case of a claim under thfs�ollcy,the Com�aany shall have the ,k�)In t'�e evenl of ar�y liti�ation,inclutling litigat�on by t'r�e Campany
follu�ving additional ap['�r��is: ar t�rith th°Company's con�ent,the Campany�hall have nn liab:lity
(aJ To Fay ar Ten��er Payrrer#oF the Amount af Insurance faf I�s�oi damage�ntil ttrere has been a finai determirratiot�by a
" To�ay or terder payment of th�e€�m�ount of Insuran;e ueder this Gourt af compeient juristlicti�n,and dispo�ition of al�a�•peals,
,policy tpgethar w,th�np cosis,attornays' iees,an�expanses adver9e tv the 7itle,as irsured.
incurred by t'ne Insured Clairrant ihat d•rere authorized 6y the �c}T�e Cornpany shall not be liahle for loss or dam2ga w the
Company uo ta the tiri�e of paynaent or[erader a#pa�mer:t and that Insured far liabiliiy�.�olun:�,rily assumed b�the Insure�in settlin�
the Compan}�is o�ligated to pa)�. any clairr or suit�dti�tl�aut ths priot wrikken consenk of tha Com�any.
Upon the exercisQ by the�orrpa n}�•of this optior�,all iiability and
obligaLans of t�.e Comp2ny t�,th?Insured under this paficy,otl�e� �a.RE�LICTIUN�QF INSU�ANCE;REDUC�ION�R TERMINATIOh�
than to makethe payment reaulr�d in thissuhseciion,shall tern�inate, pF LIABILfTY
includir�y any liability or obl igation to tlefe�tl,p-osecuEe,or contin- ,411 payments un�e�this�alicy,except paym�nts made'or cosks,
ue an3�lit�gation. aitomeys'fees,ano ex�enses,shzll reduce the Amount a}�nsurance
{b}To Pay or Olhei��vise$ettle tivi�n Parties Othar 7han the I nsure.d hy the a��unt of the�ayr}enF
�;With the Insured�Claimarn.
�i� Tc pay or othznuise settle wikh other par�ias for ar in the
nama of an Insured Claim.�nl any cia�m insuied agaimt under this
Pzsr a
I
C�N�ITfONS ANI}STIPUlATIONS�con'1}
11.iIABIIITY NQHCUM�JL�TIVE palicy,th,is p�licy shall he conslruetl as a�.vhoie.
7he Amour��of Insurance shall t�e reduced by any a�o.�nt the Campany (�}Qny claim af Icss or damage tiiat arises out of tl��s status of�he
pays under any polic�ir�suring a Mortgage to tkiiich except:an i�ta<en Tltle or oy any acli4n 2ssertin�such claim shall be restrictetl ta this
in Schedule B or ta which tne Insured has agreed,assurred,or taken palicy. ,
sub;ect,or ti�rhich is exacuted by an Insur2d afier O�te of Policy a�rd (��p,ny amendmant of ar end�rsenrent to this policy must be In
ti���hic�r is a char�e��r lien or�ihe�itle,and ihe an�ounk sa paid shall ba �ti�riting and aut�enticate��fiy an a�thcrized person,vr enpressGy
deen,ed a p�yment ta the In4ur�d u�derihis ptilicy. incorp�ra[etl I�ySched�fle Aof[h�s paliey.
�oJ Each endarsFmEnt to ihis poli,��iss�ed a;any time is�ade a
1�.PAYM�fh1T OF LOSS pari ci tnis p�licy anci is>u�ject io all of its terms and F�oaisions.
When li�bi'ity and Ihe exte�t ot loss or damagE have bean Geiiniiely E;�cepl as t�e onclorsemsnt ex�ress�y�tatss,it doas n�t�i;�madily
fixe�in�ccordanc�l�,�ith ihes2 Ca�di�ians,tf�e payniNnl siiall��iiia�e anyaf lhe terms a�id pravhs+ans of t�7e po1 cy,lii)rnadt�yany prior
tia�ith�n 3fl days. �ndorserrent,`iiiJ exte�d;he�ate of Po-licy,or[iv�increase�he
Am�uni of fnsusance.
13.RIGHTS 0�R�COVERY UPOM PAYMEE�T gR SETTLEMEh�T
{a�1'Vhenaver tne Co�pany shall hav�setkled an�paitl a claim 16.SEVERAB3LITY
u�der iliis policy,it sf�all be suhrogated artl entitled ta th�rights of �n the evant aay�rovisic•n of t�is policy,in ti�rhole or in part,is held
the Jns�red C€aima�t in the Titfe and all ot�er rig�ts and rem��ies invalid or uneniareab'e under a¢pEicable Eaw,the policy shall ae
in resp.c:to t�e clai'n that the Insured CEalmant has a[�ainst any �{�ymed not to indude khat provislon or such�art held ta be invalid,hut
parsan or pro�eit��,to the extsnt of[ne amount af anyi�ss,costs, all 4thei�pra«siars shall rerr�ain in full}arce and efie�t
j at:arneys'fees,a�rd expenses p�id 6ytfie Company. If req�aste�
by khe Comp�ny,lhe Insured Cla',rnant sha11 exe�ute�osuments to 1�,CFiFIIC�OF i.AW;FaRUM
evi�ence the t�ansie•to the Cnr�pany of ihese rigf�:s anJ remetlies ����r�p�ce o€Latv: The Ins��ee�ackmwledges tne Campany has
-he Insured Ctaimantshall�errrit the Cam�any to sue,co�npromise, underwritter�ihe risks cos�ersd 6y this policy anc�tlatermined ihe
or settie in the n2rne af the Insure�Claimanl and to u.s tne na:�ne prem�um cna�ged therefor in relian°a upon the law aifec6ng ir�terasTs
of the Insured Cl�imant in ar.y transactian or litir�alion inuolving in reaf praperty�and applicable 10 ti�a interpretation,tights,remed es,
1[�ese rights and rernedies. �r enforcemeni ol pnlicf�s af title insurance of the juristliction
If a pa��ment on accourn of a elaim doe�not fully co�,�r tha foss of �,Sfi�re the�and is lucated.
Iha Ins�red C;aimani,�ne Compeny shall defsr#he exercise af ifs Thereiore,the c��rt or an arbitratorshall apply the la4vo#Ehe
right to re�o�+ar until after the Insurad Clairrent shall haUe recovere� jurisdiGtion�Jlhere the Land:s lucaied:o�eterm r�Q the va{itlity�f
its loss. claims ayainst the TiUe tnataro aa�rerse to th�Insured an��o
Ibi 1he Co-�par��s rigl�t of subrogation inc�utl�s th�rights of th� interpret and enforce the terms o1 kFis policy In i�either cas�shall
Insured to in�emnities,guara�ties,other poll.ies af insuraRCe,or ttae�ouit or aroit€ator appl�,sits conflieks of law prin�iples to�eier-
b�nos,not�vithstand ng a�y terms or�vnditions contained in those rnir.e the zpp}ira61�la�v.
ir�sUuments t�at address subrogatian rights. {bJ Chaice o'F�rum' A.n�!f;tigation or pther precee�ing brougt��t b��
the Insurad 2gainst the Campany must e,e filad only in a state o:
14.ARBITRATION federa!cawt t+�ilhin th�L'nileu�S[ates of America or its territaries
Elther the Corr�any or the Ir�sure�may dem�n�tEiat�he claimor havino epp�op��ale jurisdieiian.
controti�ersy shal��e suemitte�to arbitra:ion Qursuant ke ti�e Title
#nsuiance Arbitration Rules of tne Arreric�n Land Title Assaciatian i8.HUTlCES,WHEfl�SfN7
{"Rules"). Except as p•ovided Fn the Rules,thare shall be no joir.der q�y noue�of claim and any�ather natice or sratemenc in�vriting
or c�3nsnlidaiinn��1ith claims or contrc•versies of o;hsr persons. ��quirea tn ba g vaa to�he Corrpany unJer tnis palicy�rusS be Uiven to
Ar�i1r�61e matkers may incl�de, bGt are r�ot limited to,any con:roversy the Company ak 4fl0 5econd Avanue Sauth, Mlnneapalis,
orclaimbat�veent�eCompanyandth�lnsutetl2iisingau;ofarrelatirg i�alinnesota 55�01-24�9.
to t�is policy,any s2��vir_e in c�nnectias�tiviifi iks Fssuance oi the�ieaeh
of a�liey aioaision,or to a�y oEher oontrovers�+ar cla�m ar�sing��rt oi
tl�a transaetion givir��rise io thi�poli�y. All arbitrable n-ak#ers w�h�n
the�maunt of Insurence is$2,d�0,coa o�ie,s s�,�u ba arbilraied�t the
optian of eithertire Conpany ar tha Insured, All arbitrable�natters
tivhen t��e Amaunt of Insurarace is in excess of�2,OO�,G00 s'�alf be
arbikrater�only t4tien agre2d io by 6olh the Campar�y and the!nsured.
Arbitration pure��antta li�is�alicy 3nd und�r tha Rule�shall ba bindin8
upan the parties .:udgrrenk upc�r�the av�rd rendere�6y t��ArEitratar�s�
maybe entered sn any�urt of�onpeieni jurisdicti�n.
15.LIABILITY LiMlTE�TO TH15 POLICY;POLICY E�ITIRE CON-
T�tACT
1a17�is policy toge[her with all enearse�nents,if a�y,attacl�e�to it
byr the Cvn'�Zany is the enrire�;ol�cy and contract batween the
Ins�red and the Compan��. In inkerpreiing any�roL�sion of Ihis
Pd�s
I