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March 26, 2002     The Ortonville Independent
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March 26, 2002
 

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E Public notices i i i NOTICE COPYRIGHT NOTICE All rights reserved re common-law copyright of trade-name / trademark ROADBUM.COM, as well as any and all derivatives and variations in the spelling of said trade-name / trademark. Copyright 1971 by Randy Thomas: Leuthard. Said trade-name / trademark ROADBUM.COM, may neither be used, nor reproduced, neither in whole nor in part, nor in manner whatsoever, without the prior, express, written consent and acknowledgment of Randy Thomas: Leuthard as stipulated by the red ink signature of Randy Thomas: Leuthard hereinafter" Secured Party." With the intent of being contractually bound, any Juristic Person, as well as the agent of said Juristic Person, consents and agrees by this Copyright Notice that neither said Juristic Person, nor the agent of said Juristic Person, shall display, nor otherwise use in any manner, the trade-name / trademark, nor common-law copyright described herein, nor any derivative of, nor any variation in the spelling of said name without prior, express, written consent and acknowledgment of Secured Party, as signified by Secured Party's Signature in red ink. Secured Party neither grants, nor implies, nor otherwise gives consent for any unauthorized use of ROADBUM.COM and all such unauthorized use is strictly prohibited. Secured Party is not now, nor has Secured Party ever been, an accommodation party, nor a surety, for the purported Debtor, i.e. "ROADBUM.COM" nor for any derivative of nor for any variation in the spelling of said name, nor for any other juristic person, and is so- indemnified and held harmless by Debtor, i.e. "ROADBUMCOM" in Hold-harmless and Indemnity Agreement No. RTL- 081671-HHIA dated the Sixteenth Day of the Eighth Month in the Year of. Our Lord One Thousand Nine Hundred Seventy-one against any and all claims, legal actions, orders, warrants, judgments, demands, liabilities, losses, depositions, summonses, lawsuits, costs, lines, liens, levies, penalties, damages, interests, and expenses whatsoever, both absolute and contingent, as are due and as might become due, now existing and as might hereafter arise, and as might be suffered by, imposed on, and incurred by Debtor for any and every reason, purpose, and cause whatsoever. SELF-EXECUTING CONTRACT / SECURffY AGREEMENT IN EVENT OF UNAUTHORIZED USE: By this Copyright Notice, both the Juristic Person and the agent of said Juristic Person, hereinafter jointly and severally "User," consent and agree that any use of ROADBUM.COM other than authorized use as set forth above constitutes unauthorized use of Secured Party's copyrighted property, contractually binds User, this Notice by Declaration becomes a Security Agreement wherein User is debtor and Randy Thomas: Leuthard is Secured Party, and signifies that User: (1) grants Secured Party a security interest in all of User's property and interest in property in the Sum certain amount of Five Hundred Thousand dollars ($500,000.00) per each trade-name / trademark used, per each occurrence of use, plus triple damages, plus costs for each such use, as well as for each and every use of any and all derivatives of, and variations in the spelling of ROADBUMCOM (2) authenticates this Security Agreement wherein User is debtor and Randy Thomas: Leuthard is Secured Party, and wherein User pledges all User's property, i.e. All consumer goods, farm products, inventory, equipment, money, investment property, commercial tort claims, letters of credit, letter-of -credit rights, chattel paper, instruments, deposit accounts, accounts, documents, and general intangibles, and all User's interest in all such foregoing property, now owned and hereafter acquired, now existing and hereafter arising, and wherever located, as collateral for ecuring User's contractual obligation in favor of Secured Party for User's unauthorized use of Secured Party's copyrighted property; (3) agrees with Secured Party's filing of a UCC Financing Statement, File number: 20022976635, filed with Minnesota Secretary of State wherein User is debtor and Randy Thomas: Leuthard is Secured Party; (4) consents and agrees that said UCC Financing Statement described above in paragraph "(3)" is a continuing financing statement, and further consents and agrees with Secured Party's filing of any continuation statement necessary for maintaining Secured Party's perfected security interest in all of User's property and interest in property pledged as collateral in Security Agreement described above in paragraph =(2)," until User's contractual obligation theretofora incurred has been fully satisfied; (5) authorizes Secured Party's filing of any UCC Financing Statement, as described above in paragraph "(3)," as well as in paragraph "(4)," and th e filing of any Security Agreement, as described above in paragraph "(2)," in the UCC filing office; (6) consents and agrees that any and all such filings descnbed in paragraphs "(4)" and "(5)" above are not, and may not be considered,-bogus, and that User will not claim that any such filing is bogus; (7) waives all defenses and counterclaims, both civil and criminal; and (8) appoints Secured Party as Authorized Representative for User, effective upon User's default re User's contractual obligations in favor of Secured Party as set forth below under "Payment Terms" and "Default Terms," with full authorization and power granted Secured Party for engaging in any and all actions on behalf of User including, but not limited by, authentications of a record on behalf of User, as Secured Party, in Secured Party's sole discretion, deems appropriate, and User further consents and agrees that this appointment of Secured Party as Authorized Representative for User, effective upon User's default, is irrevocable and coupled with a security interest. User further consents and agrees with all the following additional terms of Self- executing Contract / Security Agreement in Event of Unauthorized Use: PAYMENT TERMS: In accordance with fees for unauthorized use of ROADBUM.COM as set forth above, User hereby consents and agrees that User shall pay Randy Thomas: Leuthard as Secured Party all unauthorized-use fees in full within ten (10) days of date that Secured Party's Invoice, hereinafter "Invoice," itemizing said fees, is served upon User. DEFAULT TERMS: In event of non-payment in full of all unauthorized-use fees by User within ten (10) days of date Invoice is served, User shall be deemed in default and (a) all of User's property and interest in property pledged as collateral by User, as set forth in above in paragraph "(2)," immediately becomes, he. IS, property of Secured Party; (b) Secured Party is appointed User's Authorized Representative as set forth above in paragraph =(8)'; and (c) User consents and agrees that Secured Party may take possession of, as well as otherwise dispose of in any manner, that Secured Party, in Secured Party's sole discretion, deems appropriate, including, but not limited by, sale at auction, at any time following User's default and, without further notice, any and all of User's former property and interest in property formerly pledged as collateral by User, now property of Secured Party, in respect Otthis Slf-executina Contract / Security Aoreement in Event of UJltlgUz0/.gfJdW, that Secured Party, again in Secured Party's sole discretion, deems appropnate. TERMS FOR CURING DEFAULT: Upon event of default as set forth above under "Default Terms," irrespective of any and all of User's former property and interest in property in the possession of, as well as disposed of by, Secured Party, as authonzed above under "Default terms," User may cure User's default re only the remainder of User's former property and interest in property formedy pledged as collateral that is neither in the possession of, nor otherwise disposed of by, Secured Party within twenty (20) days of date of User's default only by payment in full. TERMS OF STRICT FORECLOSURE: User's non-payment in full of all unauthorized-use fees itemized in Invoice within said twenty- (20) day period for curing default as set forth above under "Terms for Cunng Default" authorizes Secured Party's immediate non- judicial strict foreclosure on any and all remaining property and interest in property formerly pledged as collateral by User, now the property of Secured Party, which is not in the possession of, nor otherwise disposed of by, Secured Party, upon expiration of said twenty- (20) day strict foreclosure period. Ownership subject to common-law copyright and UCC Financing Statement and Security Agreement filed with the UCC filing office. Record Owner;, Randy Thomas: Leuthard, Autograph Common Law Copyright 1971. (March 26, April 2, 9, 16, 2002) PROCEEDINGS OF THE BIG STONE COUN1X BOARD ..... ......... . -,,, P,=bru '1'9; 002 The Big Stone County Board of Commissioners met in the Commissioner's Room at 8:30 AM on Tuesday, February 19, 2002. Chairperson Lane called the meeting to rder with Commissioners Krueger, wigerd and Torgerson present. Absent was Commissioner Maas. Also present were County Attorney Bill Watson and County Auditor Michelle Knutson. The Pledge of Allegiance followed. Motion by Torgerson, seconded by Swigerd and carried to approve the minutes of the February 5 m regular meeting and the February 5 m special meeting. . Motion by Krueger, seconded by Swigerd and carded to approve the agenda. Committee reports were presented. Attorney Watson reported that he has not received a response to his correspondence regarding the gravel tax collection issue with Riley Brothers. He will follow up and report back to the Board. Motion by Krueger, seconded by Torgerson and carried to authorize payment of the following claims on February 22, 2002: COUNTY REVENUE American Business Forms 682.39; Benton County Treasurer 1,150.00; Cellular 2000 289.10; Charlie's Lawn Service 130.00; City of Graceville 200.00; Computer Professionals 4,946.26; Countqtside Public Health 2,000.00; Datavision & Devices 553.31; Elan Financial Services 188.75; Farmers Co-op Elevator 106.85; H & A Administrators 236.00; Hitesman & Associates 1,089.25; Lac qui Parle County Sheriff 330.00; Alvin Maes 152.46; Madison Hospital 372.40; Mid MN Development 750.00; MilbankFord. Mercury 346.28; Northern Star 131.51; Office Systems 418.11; Ortonville Independent 1,319.27; Pioneerfand Library 11,8131.25; Postmaster 200.00;- Rinke.Noonan 2,700.00; SMAHC 500.00; State Auditor 2,175.00; Superior Ford 20,877.00; US Link 1,302.43; Vertical Solutions 914.09; Welkers 192.90; West Group Payment 1,422.86, ENVIRONMENTAL SERVICES Computer Professionals 13425; State Auditor 109.25; US Link 108.27. COUNTY ROAD & BRIDG.E Ameriprtde Linen 110,56; Cellular 2000 192.60; Commissioner . of Transportation 2,468.23; Computer Professionals 380.89; Elan Financial Services 375.63; Hagen's Ortonville Auto 195.95; Homestead Hardware Supply 284.36; Lawson Products 395.36; Little Falls Machine 6,101.12; Harold Nelson 172.65; R & A Supply 182.37; Sturdevants 257.47; Sumner Diesel 205.69; Twin Valley Tire 2,760.91; United Rentals 232,32; US Link 312.87; WCEC 4,005.40; Wheaton Area High School 1,000.00; Zep Manufacturing 243.38. Number of claims not exceeding $100 - 56. Dollar amount of claims not exceeding $100- $2,225.11. Discussion was held on Historical Society's request to receive copieat no charge. Commissioner Swigerd will speak to the Society for clarification and report back to the Board. Department Heads Nick Anderson, Joe Beming, John Cunningham, Sandy Void, Gloria Arndt Cindy Nelson, Darren W Ike and Dou8 Tomschin were present for a discussion on the County's human resources needs. Ryan Stattelman of the Ortonville Independent arrived during the discussion. The Department Heads will continue to draft a job description and the Board will also assemble a list of duties they feel should be included. Following a shdrt break, County Engineer Nick Anderson reported that a ,post construction survey'.ad been completed on the First Streel",,roject. Anderson will be providingthe information to the various landown'er$ affected. Watson left the meeting. Motion by Torgerson, seconded by Krueger and carried to approve the Plat for SAP 06.611.02 as presented by County Engineer Nick Anderson and purchase the right-of-way property. Motion by Krueger, seconded by Swigerd and carried to adopt the following resolution: 2002-17 BE IT RESOLVED, that the Big Stone County Board of Commissioners does hereby accept a grant in the amount of $31,000 on behalf of the Big Stone Lake Sno Riders Club awarded by the MN DNR in relation to the National Recreatipnal Trail Grant Program; and BE IT FURTHER RESOLVED, the Fiscal Agent named by the Board of Commissioners will be Nick Anderson, Big Stone County Engineer, 437 Minnesota St N, Ortonville, MN 56278, hereinafter referred to as "Fiscal Agent" for the flow through of funds from the MN DNR to the Big Stone Lake Sno Riders Club; and BE IT FURTHER RESOLVED that upon final approval of the grant by the State, the Fiscal Agent may enter into an Agreement with the State for the above- referenced project, and that the Applicant certifies that it will comply with all applicable laws and regulations as stated in the contract agreement. NOW, THEREFORE BE IT RESOLVED that Big Stone County is hereby authorized to execute such agreements as are necessary to implement the project on behalf of the Big Stone Lake Sno Riders Club. Discussion was held on the legislative bills that have been introduced regarding ditch law. Motion by Swigerd, seconded by Torgerson and carried to authorize the Auditor to require payment in full of any special assessment with a balance of $50 or less. Stattelman left the meeting. Environmental Officer Darren Wilke reported that the agenda item for Planning Commission and Board of Adjustment appointments would be included on the next meeting's agenda. Wilke reported that the Planning Commission discussed a preliminary plat for a subdivision on Artichoke Lake and that the Commission was in the process of reviewing Chapter 8 of the County Comprehensive Plan. Discussion was held on feedlots and the delegation program. Motion by Swigerd and seconded by Torgerson to continue with the Feedlot Delegation Program. Following further discussion, motion carried. Discussion was held on Chuck Pope's presentation at the last meeting. No action was'taken. The Personnel Committee reported on" the Part-time Custodian position. Motion by Swigerd, seconded by Krueger and carried to offer the position to Mary Amber 8 at Grade 8, Step Start with a hire date of February 25, 2002. .' Discussion was held on the rcommendatior received #rein Dorothy Person Of MAXIMUS regarding the submission of job descriptions for various Family Services positions and the RSVP Director. Motion by Swigerd, seconded by Krueger and carried to accept the recommendation to move the RSVP Director position to Grade 14. Motion by Torgerson, seconded by Krueger and carried to accept the recommendations regarding the various Family Services positions. Chairperson Lane declared the meeting a'ajourned at 12:00 PM. Michelle R. Knutson, Auditor Richard Lane, Chairperson March 5, 2002 The Big Stone County Board of Commissioners met in the Commissioner's Room at 8:30 AM on Tuesday, March 5, 2002. Chairperson Lane called the meeting to order with Commissioners Krueger, Maas, Swigerd and Torgerson present. Also present was County Auditor Michelle Knutson. The Pledge of Allegiance followed. Motion by Swigerd, seconded by Torgerson and carried to approve the agenda with noted additions. Committee reports were presented. C-G-B student Holly Krueger arrived at the meeting during the reports. Motion by Krueger, seconded by Maas and carried to authorize payment of the following claims on March 8, 2002: COUNTY REVENUE American Business Forms 762.27; Barr's Electric 2,764.20; Brian Dahl 231.77; Mary Meyer 224.00; Mid- American Specialties 271.59; Milbank Glass 181.31; MN Dept of Admin 300.00; MN Elevators 138.08; MN River Basin Joint Powers 1,000.00; Office Systems 506.34; Ortonville Independent 664.95; Postmaster 2,500.00; Progressive Collision & Glass 468.83; Quill Corp 251.35; Southern MN Tourism 314.00; State Auditor 5,717.45; David Torgerson 118.80; Toshiba 320.24. COUNTY ROAD & BRIDGE Big Stone Co-op 209.80; Big Stone Stainless 204.00; Carlson Tractor & Equipment 157.32; DTN Corp 215.07; Homestead Hardware & Supply 163.17; Jim & Sons Lumber 117.63; L & 0 Acres Transport 2,728.53; Macksteel Warehouse 135.41; Midwest Truck & Parts 323.05; Neenah Foundry Company 157.64; Newman Traffic Signs 220.67; State Auditor 1,326.04; Zep Manufacturing 177.33; Ziegler 677.36. 1-911 Postmaster 170.00. Number of claims not exceeding $100 - 39. Dollar amount of claims not exceeding $100- $I,822.81. Chairperson Lane appointed Sarah Diekmann as the youth member to the Extension Committee for a 2-year term. Diekmann replaces Jessica Chase. No bids, were received on the 1990 Chevy Caprice. No further action was taken at this time. Chairperson Lane declared the public hearing open at 9:00 AM to take public comment on the Big Stone County Ordinance Regulating the Use of Aerated Lakes in the County. Ryan Stattelmen of the Ortonville Independent and Sheriff Joe Berning arrived. Upon hearing no public comment, Chairperson Lane declared the hearing adjourned. Motion by Torgerson, seconded by Krueger and carried to adopt the Big Stone County Ordinance Regulating the Use of Aerated Lakes in the County and to publish the Ordinance in the official minutes. BIG STONE COUNTY ORDINANCE REGULATING THE USE OF AERATED LAKES IN THE COUNTY WHEREAS, Minnesota Statutes 86B.205 gives local authorities the power to regulate and limit the use of bodies of " water at various times and the use of various parts of the body of water. NOW THEREFORE, the County Board of Big Stone County does ordain: The following words, terms and phrases, for the purpose of this Ordinance, shall have the following meanings: (a) "Lakes" shall mean all the lakes that lie wholly or partially within the boundaries of Big Stone County. (b) "Person" shall include an individual, partnership, corporation, or any other entity whether incorporated or formed into an association or not. (c) "Aeration system" shall: (1) have the meaning given in Minnesota Rule Sec. 6110.0010, Subd. 2, and (2) include only those systems lying entirely within the boundaries of Big Stone County. That during the period when there is ice on a lake, no person shall enter the area marked by signs indicating thin ice. .ro[ffLLi,g That no person shall move or remove thin ice signs located on a lake unless authorized by the Big Stone County Sheriff's Department. SECTION FOUR: A violation of Sections Two or Three shall be punishable by a fine of up to $200.00 and shall be regarded as a petty misdemeanor. Resource manage- ment, enforcement and rescue personnel, and those who are maintaining a legally operated aeration system shall be exempt from the provisions of this ordinance when - performing their duties. SECTION SIX; The Sheriff of Big Stone County is authorized to enforce this Ordinance and to inform the public of the provisions of this Ordinance by posting said lakes lying and being in the above said county in accordance with the Department of Natural Resources rules, orders and permits. [J.0.,[[J This Ordinance shall become effective upon its passage, publication, and approval by the Commissioner of Natural Resources. Foster Township Officers Ed Holker and Wilber Athey were present to request permission to install a culvert along County Road 33. This will be discussed again when County Engineer Nick Anderson is present. Holker and Athey also informed the Board of their project with the DNR to improve the public accesby Mallard Point. Motion by Maas, seconded by Swigerd and carried to adopt the following resolution: 2002-18 WHEREAS, under the provisions of M.S. Section 86B.105, the sheriff of each county is required to carry out the provision of Chapter 86B and the Boat and Water Safety Rules, hereinafter referred to as the "Minn. Rules', including patrol, enforcement search and rescue, watercraft inspection, waterway marking and accident investigation, all hereinafter referred to as the "Sheriff's Duties"; and WHEREAS, in connection with the Sheriff's Duties, M.S. Section 86B.701 provides that the County submit to the Commissioner of Natural Resources a budget to carry out the Sheriff's Duties; and WHEREAS, M.S. Section 86B.701 and the Minn. Rules provide for the allocation of funds by the Commissioner to the County based on certain criteria and conclusions to assist the funding of the Sheriff's Duties; and WHEREAS, the County has submitted a proposed budget to the State. THEREFORE BE IT RESOLVED, that the State shall advance the County the amount of $2,859.00 for the activities stated in Chapter 86B. Motion by Swigerd, seconded by Maas and carried to adopt the following resolution: 2002-19 WHEREAS, Minnesota Statutes require a county board to establish the minimum salary for those officials for whom filing for office opens in July; and WHEREAS, in July of 2002, filings will o..pen for the elected positions of attorney, auditor,.recorder, sheriff and treasurer.  THEREFORE, BE IT RESOLVED by the Big Stone County Board of Commissioners, the minimum annual salary for all said positions be hereby established at $25,000.00. The Western Minnesota Prairie Waters Regional Visitors Guide was presented to the Board. Commissioner Torgerson reported he has additional copies for distribution. Discussion was held with Environmental Officer Darren Wilke rdinl appointments to the Planning mm=ssion and Board of Adjust. ment. Upon Wilke's recommendation, Chairperson Lane reappointed Marlton DeNeui and Wilfred Tucholke to a 3- year term on the Planning Commission and Art Hoernemann to a 3-year term on the Board of Adjustment. The Environmental Committee will meet to discuss possible names for needed replacements to the Planning Commission. Discussion was held on the current per diem rates. Motion by Torgerson, seconded by Krueger and carried to raise the per diem rate to $35. This is applicable to Planning Commission, Board of Adjustment and Extension Committee members. Discussion was held on the recycling sheds no longer used. The Highway Department and Historical Society has expressed interest in them. An amount O.f , $300 each was estabhshed by the Board. Wilke will follow up with the interested parties. Wilke reported that the Office of Environmental Assistance director did not approve the Solid Waste Plan Update as submitted. Wilke also reported that the Water Plan update is due next year. A public informational meeting has been set for April 2, 2002 at 7:00 PM at the Clinton Memorial Building to discuss the 10-year update. Following a short break, County Engineer Nick Anderson reported that the grant agreement for Sno Riders had not been received. Motion by Swigerd, seconded by Maas and carried to accept the sole bid from Ronglien Excavating in the amount of $11,052 for the 1969 Oshkosh snowplow. Holker and Athey returned to the meeting. Following an update on their request for a permit, Anderson reported that permission to put in the culvert shouldn't be a problem. The project by Mallard Point was also discussed again. Family Services Director- Dan Hanratty was present to discuss MAXIMUS' recommendation regarding various positions in his department. Hanratty will submit additional information for their review. Following a break for lunch, Engineer Anderson and County Attorney Bill Watson arrived for a discussion on the Part-time Custodian position. Rod Athey appeared before the board to discuss their selection procedures. Watson left the meeting following Athey's departure. Discussion was held on the Board's needs for assistance with human resources and other duties. Chairperson Lane declared the meeting adjourned at 2:50 PM. Michelle R. Knutson, Auditor Richard Lane, Chaimerson PROCEEDINGS OF THE ORTONVILLE CITY COUNCIL motion Dinnel positions of recreation was not Council to award the cable puller Oakes that a With Berkner, with Dorry carded 6-1. Oakes that of solicited electrical received $13,050, (new Graybar MONDAY, MARCH 4, 2002 $11,950.00 7:00 PM COUNCIL CHAMBERS now CALL TO ORDER AND ROLL CALL: and Council, Mayor Dinnel called the regular meeting of the Ortonville City Council to units with order at 7:04 p.m. Roll call was taken quotes with the following being present: Mel Reinke, Dan Oakes, Lisa Berkner, Electric Lenore Sellin, Artie Amdt, David Dinnel, Mike Dorry, and with the following $11 absent: none. City Staff Present: Roman Taffe, lowest Curtis Hormann, Paul "13nklenberg. Equipment.. Media present: Ryan Stattelman. NOW ] Others Present: Ron Athey, Gary Dinnel, Bill Radio. 1. The AGENDA AMENDMENTS: unit A motion was offered by Reinke and is seconded by Dorry and the motion did . from pass unanimously to approve the 2. That following agenda additions: Administr Unfinished Business: 12.a Golf Clubhouse deck New Business: Upon 13.b Board Appointments ay e: BIDS: Berkner, Bids for the cleaning of the fire hall nay: were opened and seven were received. Dinnel referred said bids to the Fire Chief for further review and recommendations. Paul Tit RECOGNITIONS AND PRESENTATIONS: Missouri River Energy Services member services representative, Bill clubhouse-; seconded Radio, addressed the council with a with brief annual update of MRES activity, to He announced a scholarship program from MRES for ten $1,000 scholarships clubhouSe for member community high school students. Fire Chief, Ron Athey, asked council's permission to again apply for a FEMA Berkner grant in the amount of $88,200 for fire passed fighting equipment. Oakes moved and Swenson Reinke seconded and the motion passed unanimously approving application for. a FEMA grant for There firefighting equipment, come CONSENT AGENDA: the Mayor Dinnel asked if there were any there additions, corrections, or deletions to be made to the Consent Agenda. Motion was made by council member .Reinke, and seconded by council member Sellin to approve the Consent Agenda which included the following items: 9.a: Motion approving proposed council minutes of February 19, 2002. 15: Motion approving payment of bills as presented. With all members voting in favor, the meeting 7:45 p.m, ANNUAL Notice is hereby given Farmers Cooperative of Bellingham, -To be held at 8:00 Tuesday, April 2, ! At the Bellin The purpose of the meeting shall be transact any other business that meeting. Dividend checks will be Door prizes will be given away. The Board of THIS NOTICE MAY AFFECT YOUR tf thrs Nor, ce does appt ffyouwhb out of tt class aon tflemenl agreemtmt. You would be permitted, howev to The deadline for filing an Opt Out Request form i June 17. fro wtnch you . determine wheth, enhe a Cm Form of an Opt Out Request form. fu may Administrator If you have damaged LP siding agreement and desire to file a claim, you must Litigati Claims Administrator postm,wked on or betore For infomabon contact: LP Sidin P.O. Box 3240 Toll-Free: 1-800-245-2722 AT THE LOWEST Debt Consolidation Loans Home Improvement Loans Mortgage Refinancing Home Equity Loans Cash For Any Reason No Income Check Second Mortgages Bad Credit is OK Every Loan Considered FUNDING Page 8b  INDEPENDENT