013112 fsc verified complaint

8/2/2019 013112 Fsc Verified Complaint

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IN THE DISTRICT COURT OF THE FOURTH JUDICIAL DISTRICTOF THE STATE OF NEVADA, IN AND F'ORTHE COUNTY OF DLKO

ERRENCEALAGGIA,Plaintifi,

ELLS FARGOBANK. NA.ACHOVIA MORTGACE,ATIONAL DEFAULTERVICINGCORPANDLACK CORPORATION,REDORPORATION, LUEORPORATTON,WHITEORPORATION. ND DOES -V.l)afendants.

GENERAL ALLEGATIONSL That at all times matcrialhereto,PlaintilT (hereinafler Alaggia") $'asa

esident fthe State fNevada,2. On information and beliefDefbndant,Wells !'argo Bank, NA (hereinaller

Fargo") s a Corporationicensedo do businessn the Stale fNcvadaanddoingsinessn the State fNevada.

3. On nformation ndbcliefDefendant,WachoviaMortga-se.SBhereinafterWachovia')s a Comorationicensedo dobusinessn heState fNevadad doingbusinessn theState fNevada.

4. On information and beliefDefendant,National Default ServicingCorp,hereinaller NDSC') is a Corooration icensed o do businessn the StaleofNevada and

DAVID t}. LOREMAN.ESO.(r4)rr&6@6' r^x ont{{fr


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tltltlt lhring. u'in.".s r t lreState t Nevadr.-, ll 5. Unlessotherwiscdesignatedhe CorporationsdeDtilied n paragraphs: lfhrouSha shail be collectively hereinafter e "llank".4 ll 6. Alcggia hasdesignatedlctitious DefendantsBlack Corporation. {cdl t *5 lFlorporation.BlueCorpomtion,WhiteCorporation.ndDoes -V, because laggiaaree lliSnorantol thc rucnaturc r lbrrn l'business1'Bank."urlhcr, laggias nfouned nd7 lPcliovesthat hcremaybeothor crsonsr enlitics fwh(rnhe snota$arcat heprcsent8 lfimewhomaf be iablc o thernor hedanragesllcged ercir.Accordingly.laggia9 llvillseekcavco ancnd hisConrplainto namc uch crsonsr e til lcsatsuch irne hlrtl0 lfhcfshould econrcnown,whiclr n)endrncnlhdll elate ?rcko heoriginal atc l thcI I ll l i l irteol thisComnlaint.

', l l 7. Notice l'Delbult nd ilcctiortoSellwas ilcdby lankonor aboulll lf cntemherli.20 0. (Atlached-lxhibitA'')tOl l l l . Not ice l Salc l f rustcc 'sSr lcwas i lec l norahoul u lv8.2011br hctS lfalconAugust . 201 at hchour f I I :00arn. AltachcdrlxhibilI l ')'n l l 9. OnoraboutAugust16-20l l l ]a l rkscDtalct tcr toPlainti l l\h ich l l tcd sl7 lll(to\vs:I 8 ll Ple{se otc hatdurinsour rev cw ol'r,our ituation. cli suspcndcrlhc lolr. 'clo--surerocess. he brcclosurc rocess

il ir l ir lnsl hc nropcrly \ l l now rt srrrnt:0 l[Auachedlixhibit"C")t t l l 10. OnoraboutJuly 3.20l lBan[scnt i lct terbPlzr int i f t whichsr : r rcdhr i :l l l l nt ' irreclosurculcwil l be conductcdndyouwil l Jrot oscl l )1 ' r r r r t t l re rrnrrghc IAMP cvnlual i ( \n." l l21l|[ArlachedF-xhibir'D"),t ll l l. No salc ookplacc nAugust .201i and vasnstcaderlirmrcdnor:6 l[rbout eptcmber0.201. (Attachedjxhibitl]")tlat ll 12. Nonotice fsalewas ssuedbr September0,201 . l)laintiffhas o28 lfnlbrnationas o the imc ofthe saleon hisdatc.tlll D^1il3,,PJ?,SF,!l$Sr"{solt slli l 'II


3/43

iltlilll f: Ihe beneficiarynderhl.Dced f Irust s WorldSavings ank.SB. fhetll[liustecunderheDeed f liustis GoldenWestSavings ssociationcn ceCo-l[Attached]xhibitF")ll t o A SubstitutionfTrustee as igned nor aboutOctober 9,2010 ndlf ledonJune ,201 byBank epresentinghatt was henewBeneficiaryo heDeed 1'l[.,"l l ,, No substitutionfBencl'iciaryxis(so Plaintiffs no$'ledgc.II FIRSTCAUSEOF ACTIONi l -il tU Alaggia e-allegcsnd ncomorateshcallegationsontainedn Paragraphslll lh'1,u-sh5 ir\ l lullysct brthhcreinll 't l lankviolated RS598D.010t.scq.l l t t Pursuanto NRS598D.1 0,Alaggiasentitlodo reble amagesndhislfi:ostsndattorneys'ees sdemonslratedl tirneoftrial.tll l sECoNp cAUsE oF AcTtoNll ', ntrggi" ,"-utt"ga"rru.lncorporatcshcallcgatiql$onlaincdn I'aragraphsl l t t ,nu,*trr u; t ] t i , l luctunh crcin.i l -l l , Bank as onductcdsalenviolation1'107.080t.seq.ll ,t Alaggia ecks n njunctionn thccnforcernenll theTrustoe's)ced jporIF"*ll ,t Alnggiir ecksheCourt br an order etting sidc aidDeedas t is inllviolationlNcvada tate awand oid.il tHrRD 'AU'EoFACrr,Nll - -----lrR 'irli'tlll 21. Alaegia rcstutcs Dd e-allcges ll paragraphsbove rnd r addition sl.rtcsll ,urL",."r r"t or,-t'ri.'tor",llll ,O Detbndants ommittedacl.ual raud by making nraterial epresentations,lfrvhichvere hlse,knowing that suchmatcrial epresentationsvere alse and/or vithlfccklessdisrcsard o the ntth or falsity ofsuch matedal cprescntations. irh the intcntilI I DA\ ID D. LORE},IA\. S O,ll "' 'frxil\'"*,;lilJ"'i l 'il

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4/43

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at Plaintiffrel) on such malerialrepresentatiolrs,laggia acled n actualandjustifiablejanceon suchm?rterialepresentationsndvas injurcdasa rcsult.

25, tn addition,and n the altcmative fnccessary.Bank kno$'inglyomittederial nlbnnation. hichomission onstitutcspositivemisrcDtescntationf matcrial

ct. lvifi the intent hat Alaggia rely on Bank's representationsnd was nirred asaI t ,

26. llank committcdconstructivc iaud by breachit]g ne or morc legal or:qui rdhl ( ur iLiowcd o Alaggiu clJ l ingu hc ssuc thi : ' awsui t -uid hrc.rel r' r

chcsconstituting iaud becausc l'thcir propensiryo dqceivoothorsol constitutcannjury opublicntercstsrpublic olicy.

27. Alaggia estatesnd eallegesll plragraphslbovcarrd u itdrl i t ion talcsltc$ as sct lb.th below-

28. I ldnli misrcprcscntcdo Alaggiaand/or iaudulcrrt ly.ntcntionallynd/orrclr l gontlyconocolod natcrir l in i)ruralion.

29. l lank nademisrepresentationsndactivcly onccalcd dvcrscnlbnnationa timc *lrcn the Bank knew.or shouldhaveknow that such nlbrrnationu.as .rlsc.

30. lhe misrcprcscntationsl'and/or ctivc onccalnrcntl lcged nercerl)ctuatedirectly nd/or ndircctly y Bank.

3 L Bank lcncu'or shouldhavaknownthat these cprcscntations'fverc alse andadc hq cprescntationsith the ntent r purposchotAlaggia vould elyon thenl.

32. At thc imcofBank's taudulcntnisreprescntati(nrs,lzrggiavas narvarel'thc 'alsityfthcstatcmentseingmade ndbcliavcdhem o be ruc. Alaggia acl oowledge l'the ntbrmalion oncealcdnd/or upprcssedy llank.il. Alaggia.justifiablyelied nand/or as nduced y hc nisreprescntations

or active concealment ndreliedon theabsence f informationwhich Balll( diduppress- oncealor failed to disclose o Alaggia'sdetrimant.

ItA\'tD D. LORDIUAN. tSQ.


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tltlill ll 3.1. Asadirect ndproximateesult frhe iaudulenrcts ndomissions.tl2 lfupprcssionandmisrcprescntationfBank,Alaggia ulferednjuries nddamages.I II EIF'ITI!4-USEF ACTIONil -lBaAiFoTe on' a..D- t l, ll 35. Alaggiart:states nd re-alleges ll paragraphs boveand n addition stares6 lfrattc$ as sot brth below,7 ll 36. Bascd n inlbrmation ndbelief.Alaggia ubrnitsharBrnk hrs submifedu ll l iautlult 'ntlyroduced ocUrncntsbrrhc sale l ' thepropedy wnedby Alaggia.tl, ll 37 l he conditionsoutlined by tllc Dced ol'1 r.ust orcrcd nto by Alaggia wcrel0 lfot lbl lowed nd lank arcnot hepropr artiaso issuc oticcol'dcl 'ault ndelectionol l lFell docurnents.,, ll 38. Bank'ailcdopropcrlyblkrrv roceduresnder cvadaarv ndndoingl i l fo breachcdhc grccorcntl. ldeby Alaggiavith hcoriginal artics nd calparriesrlla Intcrcst.', l l 39. Bankprcsontlys nvolvcdn numerousuits cgardinghc nrpropcrl6 lfontractpracticesndmaybc ubiecto substantialines i)rconducton'rirlaincdl hcrjinr7lly^lassia.t* l l 40. Alaggia ecks ontractamagcsbr hcbreirchcsouscd y Banks' ctionnl9 lftsimprofJer'oreclosuren thiscase.,, ll WHEREFORE. age,iaraysi)r clief s bllows:,' l l l. frcblcactual amagesn excessl'$10,00{);,t ll 2. l)rmitive anragcsbr ntelttional'i.audulenlonduct f llank n cxcess l'..tll $r0,000ra ll 3. In-iunctiveeliefin theenlorcerneDtr1'the'lustec's )ecd:tt ll 4. Dcclaratoryclieinsettingsidchel'rustec'sDced s cingoid nd" ll contraryoNq,adaaw;27 l -5. IncidentalndConsequentialamageso bcproven t rial:tl' ' l llll l D\vlD D.Lot{ f \ lA\ . I so.l l^

lll l 'll


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Breachof ContxactDainages o beprovnat tiinc oftrial in excess 1'$10,000;Cosls ol'Court!A reasonable ttomeys eo n thismatter.

DArED his$fa$.af Janxary,zlt2.

VERIFICATIONLlnderhepenaltiesfpcrjury,heundersigned,ERRENCEALACCIA,

larcs hat hc is the Plaintiffnamed n the forrcgoing ornplaint;and knews rhc coltonrshcrcol':hat hcplcadings trueofhis own knowlcdgc,xcopt s o thoscmattcrshcrcin

on inlilnration andbclicf; and asto thosemattcrsh9 believcs hc samo o bc rruc.

ubscribed ndSwris- r i dayof r I oav olr-- . rn to beforeme,2012.

D^VID D. LOREI\IAN.ESO.

COUNTYOFELKOTRICIA L. STEVENS

445F

BarNo.3867Attorneyfor Plointilf


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EXHIBIT "A''DAVTDD. LOREMAN. ESO.

(?7t 13 666 = F^x (7183 dn


8/43

RTiCORDING RDQUESTED DY:Ll'S Tiile Compdy " NvWT]EN RECORDI'D MAIL TO:NononalDcfauh Scdicing Corpoi.rton7720 N. l6'b Strccq Suile 300

NDSC Filc No : l0-3?61?_WA-NVTir lc Orde'No. r 10058760?

DOC# 631200Lrc 3 2 ') I ll :off ic ia ' l RecordISI TITLE ACE]\CYNC.Elko county - NVlerry D. Reynolds RecoPaae: 1of I iae: 17r: :Reco.ded Sy Ak 72ir : ' . ' . . ' ) .

ilffillllllilllilllilllilllilli631-200iNOTICI] OF DI'}.'AUL'T -{XD trLECTTON TO SEI,L UNDER T'EEI) OF TRL-


9/43

tfil illlfl1lllNlllllillli 63L200\DSC FileNo. : l0-3U612-WA-NVTo lind aut l[e ndount !oLt$ust piy' or to trrsngefor Povmento slop he forectos!re'or il ] o! 't.op.rtt is n roreclosureor aly

otfier .rson' conrrcr:WrcIlovi. Nlortg!g,FSBc/o5_alton.lD.ftult SerticingCorporatlon7720N, r6'r Strect,gonc300Pho!ni!, A285020 Phone502/264'6101 alesWebsileraud,!ds!9@'!ods!19!rflUD Apprord Lo.il Hou3itgcour*ltng Agc.cv: E0ll569-42a7Loss Iirie'(bn conrdct: Gnil Notggins919 852_7470I'roDcrll \ddrcssr :l COPPLR T, ELKONv 89801_',127

Il lo ! tEvr 'tr) qlertiotrs, ou ,[ould.ootact n tawycror tlc Sovernbnr.l !8cnc! Fhichn'.v h.rc ins(r.d vour rotrn.Norwithsr'lditc rn. f..( tlrstv.!r Dropcttv s tn forcclosur.i outr,r! o'Ter otrr proPerty or s!Ie,Irovided rhe atc s concludedrior to the corclorion oathclor;rrosura. Rmdnbcr. You MAY LosD LEGAL RIGRTS F You Do Nor 1,{}


10/43

llililllllllllllllillllllllllllllllill

underhe awsofthestateofCaliforni{ lhat he forcgolog

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o-seprenoe,2820'oo.fo'emcEredilg*:ilii;ii,i?i..liillJft::Ti'J.'i ':,T:,;'"*1 .. :o\cdLom.onrhebrsi ioivrirrrctorye!rc-LE!!" i , i .J"r" i"r, is"",rr-zcdcapa.Danarn" o)s,Lnh,r.numenranoacknowredsedromeuarneeN*:"-1::^1:, : : , ; ; ; ; ; ; ; , "*"".1.o,. ." . ' . - ,"; , . : ; ; " , ; ' . ; ; ; ; ; i . ' " , 'e.r rh; pelson' r the irvuponbeharrorhrcb hep(rson Lrc0' \ecuI certifyundc!PENALTY OF PERruRYporlgraPhs tnreandcorrt

EnedlnaO, Sanchez

ENFbTN! saNcHEzcommlsron # 1796125NororyPl b ic ' col l lornloOronge Co!nrYMycmrn. E!lr$ A{r 2l 201?


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262728 EXHIBIT "B"

DAVID D.LOREMAN, ESQ.fi5J7I$06 - Fd (?6tr4tr


12/43

DOC# 6421-360i,0a, :ai :off i c i al Reco rdLSI TI ILE ACENCY N'.Fl ko Couriv - WD l l ike Snales RecorderPage; 1 of i i ' . . : t : t . , ,Recbrdd 3r nri rr : : f !! r 'lRI iC-()r {Dr i {GEQUES' , lDaY:

\\ JI i RI.:CORDTJD'ATLTO:\r ' :oi ! , Denui r ca cdgCoryodioDti l i \ l6" S.cot, ur.100\DS( t, ic \o l0-32612-WA-NvI r Ordcf . 10058?60?,\P\ \o : 00t-8S9-01 7

I ilililltilitilitiliiltliitiililit,642 J-36"NOTICE OF TRUSTDE'S ALE

}OT .1RE N DIIiiAUL'f UNDDRA DIIDDOF'TRUST,DATEI] 06/07/2007 \LESSI OI; -I'AKI ACTIO-\ TO PROTtrCTYOUR PROPERTY,IT MAY BE SOLD AT,.1tulJl. lC SALE. l l 'YOU NF;ED N DXPI'\NATIONOF IHE NATURUOF'IH[P}TO(]EEDINCCAINS'I' OTI, OUSEOULDCONTACT LAWYEIi.\()rcc ,! h.r.by Sivcn lut Natlonal Dcfault SrvicingCorporation 3s tnNtce or succesror ir.L,.rc.. , ' . l ' \ : r rLrc l i rusrc. ) .ursnrnro thcDeedofTnrs!executedy IERRENCB ALAC(;tA. AII.\llltlED ]lAN AS IIIS SOI,E AI\D Sf,PARATE PROPERTY, daled06/07/200i arrd crJrd,r.l06,'lS.':01)i,ts rsr|0nrerl.No. 575.179n Book. Page otOfiicial Records n rhe olficc of ilreaour)tylilr,)rL.r oi LLl(O County, StatcofNV, andpu.suanr o theNotice ofDefaull ar)clElccrro'r o S.1rd'r,.\ti\icr r.lordcd O9l?a/2010 s 'rstruhcntNo.631200 or Book , Pagc ) ofslid Omcial Rrcoai..w) i lse l id 08/03/2011t I l :00 A.M. at:

1l - -l Ht l.lAIN It^"TliANCE TO l HE ELKO COUh"TY COt'Rl'tlOUSE, II).dItOs R!-.[ r'f 6r'l{..l]Lr(o. Nv 89801r Llfli, ruc{ron. o hchighest iddoror caih in he o ! *'hrch .e lawlul eDdefm Lird lrru.isr j , : \ , , ! r i )1. r tul l r n|ne fsr lc) , l l igt r , i t le, nd nterestonveycdoaodnowhcld r r lLx,tiJ,"rrll)ced oi fflsi, in thcpropecy rtuatedn$id County Jrd talcandnrorc uily (1cs!1bLc,!lI . . , . r' . .1 c c:o nd nvJJ c pJl1 creol:'lIc sirii: rJaress.$ olhefconnnon esigation,fany oftberealpropcrty esclibeiaboves

]ZI COPPtrRSTr:LXO., \ . ' \ '89801-4C27'11,.ul]ilr'srsrad'l ullce djsclairnsny irbiljty or anyLncorechessfthestfeet ddresstrd otircrclnnN.. d.srgnatron,fa1ly, lrown eicin.


13/43

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iltilililfitllil]iltlil ilrNDS(l l . i l ! No.Ah' \o.

10-32612-WA-NV001-859-017

The .srrlraied oral amoumt fthe unpaidbalance fthe obligationsecured y the properly ro be soldirir,i ciso]uble csrirmkrdcosts,experses nd advances t the ir]leofthe iritial prbl;cations of thefoLi0: ofSrle is S220,524.18.t ispossiblelhata!thet imeolsaletheopeningbidniaybelesst;LJnire rorrl ,ndebre.lDessueL i(,1lrinn ro.aslr, tbe Trslee wjll accepl ashiefschecks rawnon a staleor'rarional bank.a Lirecl.ri isr b) r siareor lede.rl crcdit Lnon,or a checkdrawtrby a slateor federalsavnrgsand oanrs$ci,rLron. avings ssociaLion, r s3virrgs an! specified l Section5102ofihe FlDancialCode^:rdNtlLrcfized odo bnsinessn this stare. n iheevenl e[der other han sash s accepted, re TrusreeNr" ' ) lL o l i i r ie ssuarcc tLhcTr'ustee\ eed nt i l funds econrevai lableo drepayee r: i i ls. . rs i nr! t t . f ol . rgl l .5 'LJsrrn l : i b! ,nad!, . rn'asis oondit ior, lhour ovnantr warranryj xpfcss r i i f l ico.rNirfilLng rilc. possessionr encrnrbmnces,o satisfy he ndebre.hess ecured y sa id Deed of lruii.!(l\ xnccsLhererndcr, ith intcrestasprovided herein, rd theunpaidbotanceoltL1eNo{e sec{rcd bys d Deedof liust $i1h irterest hereonasprovided n saidNore,plus fees,chargesand cxpcnses i'L| r _liuslccdtrdoI thc Lrus!s fealedby saidDeedof Trust.Thc lender s unable o va|dale the!o !LL(iotr, cltcrs or djsclosurc ssucsol saidpropenyand Buyerwaives he disclosurc equircnr!:(srr i r \RS i l :1. i30 y prrc l 'asiDgl thissale d signing aid eceipt.l i nr Trsr , re ls unnLr le o convcy i l le lbr iny reason,he successful idder 'ssolc rnd c\ . : . .s i . !rcLroC)shi I r.c lhe retrLn)0l mories paid (o t]1eTruslee,and lbe successfulbidder'slall harc ro

Dalc:0r'0t / :0l lt i t ior ) 1)cl !uh scrl i . i rg Corpornt jo,rl l :0 \ . I6 " 51.cc(, ui lc 300I)l i0(nl \ , ^Z 8s02060t,26q-61ulSnlrs Line r 714-?30-272? SalcsWebsite: wwlv.ndscorp.corvstles-,\i\4.{44+of,[4!rr,o r \ l ro '4 TRI,STEE SALEs REPRESENTATIvI:


14/43

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Elhlblr aNDSC Nodc! of Srle Add.ndum

NDSCNo. : I0-32612-WA-NVPROP.ADDRESS : l2l COPPERTELKO,lW 898014427ColiNl"l' : ELKOLEGAI.DESCRII,TIONLor 17,BlorkJ, ofAUROUSESTATESUBDn4flON, cqoding orheomciatnlaph.reof. ilcd n thcoJfrcc ftheCountyRccord.r f EIlo Courty,Ncvadr.o! SeprcrDber6,1980, r ilc Numbcrl852l, atrd.!F!dr&nt fi9i9lorccodedebirary J. 1983,n Book 15, ag. , FileNunbr ?340Otli(ialRccords.lkoCourty, cvda


15/43

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sTATEOFARIZONACOUNTY F MARICOPAa\ '1Of '\ I ,201T,belote r,e, an Claxtan, Notary lbl c forsad Staie,persoaallyppeafed yle!g&l!l&4| whoperconallynown o me (orwho proved o meon rhebaslsof satjsfaciory vjdence)o be thoperson(s) hosena're(s) is/ares!5scr bed o lhe w Ihin nstrument ndaoknowledged0me thai he/she/they xecL.rtcdife same ir s/h/ their uthor izedapaclty( ies),nd hatby his/her/ theifrgnat! re(s)or lthe isl f i . rmentheperson(s),r lheent i ty pon ehalfofwhichheperson(s)actedexecLr iedhe nstruanent.I cer l fyunderPENALTY F PERJURYndefhe aws f heState f Ar izonalhal he ofego g s rueandcorrect .

WITNESS MY F]AND NDOFF]CIALEAL


16/43

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DAVID D. LORIMAN. f,SO.0r) n3 6d -r FAx p?tfu d7:


17/43

Auguet 16, 2 01"1 IJoan Nunlt rer : aa4629929=

Terrence Alaggiatz t copper sEElko, r , IV agaol 4421

Pronertv Addtess: 121 coPPer St,Eiko NV a 9AO1Dear Terrence Alaggia :The above referenceal loan has been revielteal for the Mortgage l-ss:s:ar'ceP1an. afce). ca.refu] congideration of your gituation, we are :t1ai !e :9proceeC lriEh the modificaCion lequest at this tine.Ple"lse note Ehat during our revielt of your si.EuaEion/ we sus-De._..ec ':-eIoreclosure process. The forecloaure process agaj.nst Ehe p:ope:: ; / ' r j l . -we wanL to ensure every possible opportunitsy Eo asslsE you d.-: j :r.? ::-:sdiffr-culL cr-nre. I f your abil l ty to make pal,1nentg should c:-a::: :e :.r ' : : .cfuturc or i f you ar-e interestea in learnin| more abouE sho:: saieoptions, please coneace us i inmediaeely.rf you hF-ve any questions regarding the foreclosure p!'ocess. :-ca.:econLaci us at 800-282-3458, extenEion 33969. Our of f ice ho-ts a: :eMondal Lh):ough Friday, 9:00 a.m. to 6:00 p.m. Easrern Time.Foreclosure DepartmentNoTICE: Please be advised bhaL Wachovi.a Mortgage may be a::ea?::.-g :.collec! a debL. If you are currentsIy irl bankruptcy dr you:: ciebt ::asbeen dischdrged in bankrupt.cy, Wachoi/ ia Mortgagb i3 o:--y ezer: :sr: ;r i :s r 'rghts agalnst the property and iE not attempting i:o hcid :/. . trpersonalIy lrab-Le on t .he NoLe.f fc74 00s vB4


18/43

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D4VID D, LORXMAN. f,SO.(7r)rM606 .: .Ax oxtrarr 10


19/43

Loan Nunber: aa46299293July 13, 2 01i

Terrence Alaggia12I Coppel s!Etko, i rv agBa! 4421

Dear : Terrence Alaggiavle are conr,nit ted to helping you reEain your home. That, is 3h') / te '_recurrent ly ewaLuat ing your moitgage for el igj .bi l iLy in fhe i tomeef iordabie Modif icaEiAn prografr I 'gelrp') , thich would modify the-!ermsoI \our loar "rnct rnake vour mortsqaqe pavmenEs more aftordab:e' : I fo\ : !, . - i ' I ' , . o"". orewioL-rsiv reterr6d-co'I6reclosure, r^e wil l cor-cLnLe L:-eforecLosure pr-ocess whi- Ie we evaluaLe your loan for t lAMp. :{o' : /eveL/ ncroro- locL-c iale wi l - be conducEed and you !, , i11 noL lose you._.oredur ing Lhe I IAMP evafuat ion.HAI'IP El iq![!}_!qtIf you are ef igible for HAMP, you wil l enter into a "tr ial per lodr ' . Youwil l receive a Tr iaf Per iod pfan $rhich wil l conLain a . lew ir ial paynenE:m^,,nr ' / 1, ic u, l l r^m^^rrr; l ' - - -Jage p?y:rer-:during the HAMPTrial Perj.od Pl.an). To accepL Lhe Traial Perird Pl.ar_-,i r rct r - int nrv-Fr- hv r-c^ due d3.,e. : fyour Loan \ras previousLy referred to foreclosure, once you accep: LheTrial period Plan we wil] halt the foreclosure process as ian' es jau.6nfinrrF f^ n:t^ \ /^,,r ra^,r ra7i rrr :1 n lznIf yorL do not qualify for IIAMP, or if you fail to comply with :he trermsof the Trial Period PIan, you wil] be sent a Non-Approval l\ tot ice. I :rmost cases, you nii l have 30 days to revielv the reason fo:: : :or-apprc.raland conLdc[ us Lo oiscuss an\, ^^. - -vre . '^! m>1. h:1,6 | v -beenprevlousty ref erred r" i.;;; i;;;;. i -;";i 'g;h;. :o :aii' i",il i i "-'period we may cont inue with pendlng foreclosur6 act ion, but noforeclosur:e sale wif l be conducted-and you wil l not Lose ycur hone.Impo+- I c-Do no- ignorc any foreclosure ooLices.The ItA,\tPevaluaLion and the Eidde-s-F-df-T6E6ET6EJre mav Droceed ;t rhesana Ei1-a. wo* may receive ?oreclosure not ices or yoir i ray see steprberng Laken to proceed with a foreclosure sale. Wtr i te voir wr! l i ro_! cseyour homc during_the ltAMp evaluat ion, to protect your r ight .s : : rderappl -c.b: le oreclosule -Law, you may need io respoid to cF.e.- fc_.ec-os: . .nohices o! Lake olher acE.ion;. r f -you do nots u;derscaad tshe iegalconseque.lces of the foreclosure, you are encouraged to con:a:: Z :-a,,, t .1eor housing counselor for assistanie_I ,HO 2 O OO1 DEN


20/43

aerrence Alaggiaoo46299293.July 11, 2OX1Page 2

Sif l iu - auu L422 !r yau cannot af ford to make your ct ial per ' iodiiui. . t=,-lr i-"a.t i to rir*ain in your home " A represeniatlve ls; ; i ; i ; ; i " iJ-" t" ise you Mondav Lf iroush Fridav, 9:00 a m to 1rrc0 p n 'and sacurOay, 9:oo a-.m' to 6:bo p.m.; Eastern Time. or i f you haveau.ia"a t" ie.* 'e your home, conLict usi we-have other optiorls that ra7l. iur" to help y'ou avoid foreclosure. Addit ionally, i f yo' l I lave anyquesLions aboui: the foreclosure (or other legal notices Lhat youieceive), please cal l us fot assistance.You can afso cal l the l lomeowner s HOPBHotl ine at 1 8aa-995 io?t .46,43:. F..- h- - -r, ,ncFtrrd ThFv .F.c, f f-c HLr---rE:f_f cdcounseling serwices in English and Spanish, and can help a:1si.reran,r'quesElons you nave.sincerely,Sharon Zr. l l r ig. fsenior v icc Pres identwachowia MorLgagePfease be advised that Wachovia Mortqaqe mav be at temptrrd f . . . i te.ha debl anct any informario; "l i-t i i .a -i"!-r"-i '";; i ; ;-;[;;";";;";;.--:;you.arc currcnLly in bankrupEcy or youi debc ha been drsahaigcd rrbankr lrptcv, .Wachovia tvtor tgage is exercis ing j ts r ighLs aqai i :st :heproperr y .1r :d rs not aLfernpt ing !o hold you personallv l iab:e or, :_heNoE(i, tne m.jy reoo):r tnformat ion about tour accounc ro cr*o.l l r :_. !* I ' l : ,1:", missed paymentss, or oLhei defaulrs on yor.rr accounL n. l /r re rcr rc- :ed rr , youl- credrc reporc.with respecL to those foans located in Lhe State of Caf l fornia, chestaEe-RosenLhaI Fair DebL CoI lec! ion pract ices Act and the federai Fair: : : l - !9119. !1" . Pract ices Act require rhar , excepE Lrdcr cr rcrnsta-- -e--,co.rrecroys mFy r)oE conLdct vou before 8 a.m. or af E.er 9 p.n. :b)e. / :eyl : !^l i :.:: you by usins rhraars of wiorence "; -;;;;t o, by "=.r,sDscene aDguage. collectors may not use fafse or misleadi:9 ":it"."niur cal..LyorLat nork if they know, or have reason to know, th;t ycu maynot receive personal cal. l_s- t. woik, por tt,. '-^"-Jt. p"f l , co11ecrirs ma7l l:1. "l l^il::lr:j^pillolt orher thanyourar.Lorneyr spouse, bour7or:.suL. LUt-Lecrors may contacL another person to ionf i rrn vol ' r to. , r i^F .y: l : : . rce-a- ludgnenr. For more nformat ion uuo" i J.6i "" f i " . . i r " - - - " ' -drr .LVrLres/ ou maycontaet the Federal Trade com,niss ion .-877 l rC-HEL: or ! . ,wrr.Jrc.qgv.LHO2COO1DEN


21/43

I23456789

101l12l3t4l5161718t9202l2223

262',728 EXHIBIT "E''

DAVID D. LORf,MAN. ESO.or) a3 666 + rAx crtr4Tr n


22/43

DOC# 64609609/29, i ; : ,off ic ial RecorsiLst TrfLi Ac:fiaY tc.Elko County NVD luike Srdales RecorderPaqoj 1ol 2 'F.: li i i llRecorded Bt NR 11,) ir : \71. ta,!CORt)lNOREQUESTED Y iWIIEN RECOITDED'I-A"IL O :Wrlh Fr'go Barl., N .\ .srh,\ntonio, TX 78251IOR\\ARI) iAX STA-IEMI,NTSTO:Wcrls 3rgo 8anh. N. .

ilililtlrililtililillilIililli646096"sM \nrot r io, IX ?8251Ar^_:001-SS9-017Nr)scir. o : r0,i2or2-w^-Nv ']!it !!$t'-q"t!! E beingecordedsani o.rxr. : t)aab}2e2ej AccoMMoDATloNNLYwtthnoI ritc rn.. \o : luu58r60./ ReprosontationE to it3 ofigct upon title"

]IITUSTEE'S DEBD UPON SALN' l ' r ' r i t . r l r \ rS 105-90lh. i ; r in: . . hercioW.4SLhclcnel ic iarylhe irnrun{ ul'rhc orprid dctrlwasS224J05,93lhc rnro$l l d b) lhc GranlccwasS180,605.00lhc pnnr| iy ie n rh ' jc i tyofELKO, CounryofELKO,Stalef NV.NAtnrhl Dehuli Scrvic g CorD,)ration, r Arizonr Corporntio , as hcduly a!poi|rcd lius!c! (! rs"Locss|'riusrrc or Sub\rj!"rcd liu s|ee), nder Ded f Trusl c erred o bc ow, and hcren ca tci'l rirre! . docshr'c!) srarnwirhoulanvcovcnanrr \a-naniy o :Wrl l \ fNrg. 8rr l i , N,.{,lic:!i).i:i.d (jranr.., rho ollowingdcscribedcr l proFrry itualedn ELKO Couno.:Lor l:. alocl .r. of UROUS ESTAI [S SUBDIVISION,accordirg to the otficiatt".D rl$eol fi1ed Drhe ofnce ofthe Courty Recorderot[lko County, Nevrdo,orS(pt .nrbc.16.1q80, s Fi lc Numlcr t38521,ud omerdh.nrdrcrctorcq)f l lcd r .brunf ) I S,1983,trBook. l t5, ,s8e 1t, Fi teNumbcr ?3401,Oilkil)) Rc.ordr. lluo County, Neyrdalhr( : rD\c\ r ' ,c . ;e nade ursuanro helowcrscorfened pon rusrcy saidDeed f i rusr xecl r idbrI IiI{RE\C!] :\I,AGG]4, A MARAIED MAN AS HIS SOLE AND SEPARATOPROPERTY . ;:l rusr".r...ord0d on 1,6/18/200?s nstruncntNo. s75479 or Book,pago)ofrhe Official Recodsor '! : l -XO CouDl! , V.l\ii rcq!iclrci(s of law regardinglle rccording ndmaiting fcopicsoflhe NoticeoaOcfaukand tecliorro Selr. lc rdcording, railiDe,poniDg,andpubljcjtionoflhe Noticeof Trusrce Salehale tecr coor:)rc.


23/43

11rIS IS AN LDJOIfIaI;: .!P]_ rr '

lNillilllltllllilllllillilllllllllll{460e6)t?ogu-l ::rcfs Dlrd Upon Sat) l l )SC i leNo. : 10-326I2-WA.NV

f stee.n comoliaocehhsaidNodoe fTrustoe'salc ndnExercisefit5poqcrsunder aidD.edofll uJr old aii-trcalrope{yal ublioauction n0920/I Glantcc,einghehighesl idder l said ai.becoN he \schiscrofsaidpropcnyor hc jnourtbid,wbicb rnounr8sS1E0,605.00.

"' ! i t : ,

NalioDalDofaultSorvioing orporation. n ArizonaCorporarion' ,v'o(lfr-\.

^tr.. t .db, Trurte SrlcaOlfic.rBy:

. . a^'r" - aL! __. :011_,berrrehe, n.txa-D. ( l&i . aNcrrry ,bt ico, :r,d .x,rpir: .*, ' l \ r fF(r 'cd!] ! ! -La!]bFrsonaltyknowntomebc{orpi6vcAromcoDrhebasi\ors r,stucro,.cvid\.D!c)o be he pcrsonwhosenamc , $bscribd o thc wirhir instrumert ndacknowlcdscd o |1c lrtshcexcculed hesam n ltrsutiorizcdcspacity, nd ns(by hcr signarurcn rhc ns.rn,"n,ir," p.,,,,n. o,rh


24/43

S 7\TE )]:NTVADADNCL,A.ITA-]']ONP VALUE FORMI A\s!ssorParcelNlmber(s). , 001si9-01?

DOC# DV-64609609i29, l0I a i ! : r :Off ic ial Recordl5 I TI rLE ACii(\ 1^"4.Elko County - NVD Mike Snales - RecorderPag: i oJ 1 ; : . r 5 i: .4 ' lRe.o.deC 0! \R c.i ir : ! :1 i.1

OP loNAL. USEoNi- ' fApt Brdg

FORRECORDER'SBook:

SingteFam.Res.Comm'l/lndlMobile lome

l. 3 L-onivrluerSajcsrricc olPropsrtyb Dr.Lj D .i(r DfForccjosureOrly (valueofpropeny)c l i r lef lnr Valuc:J l t r i ) l ) :o |er l ! JMlrs ler- faxucr .ll-Er!-u2ri,!!l:4!r-e4:

a)cle)9)

Addr$s:(:il\' j

b)o)0h)

Date f Recording:Notes:

$180,605.00_)$180,605.00$ 705.90

. l r ' - i rL l i \ l : . ,J , ip ' ior , tc r NR S l_5 0{ '0,_h E\ f l r l f l \ed$i lbr tNcnrpr ioD:i l,r|l|)l lrt0rcsr: l,lrocDt gc bing transfened:__70I h0 rhdcrsiAncddccbrr rttd ldorowlDdgus, ndcr ornlty ofp.rjuryt pursoanr (o NRS. 75.060 rnn ]RSr i5, r l0. rht r r r ! intorn. r ion p.ovid.d 3.o. .ecr o Oc bcar f rc h tnfo.nr! on nnd bcl i . ( . rd ci o t ssur '} l ! r r ( l hr do(!$cnrr tnnr i fcat tdd$pon os l l rnt tarcr I . Intordrr ionprovidcdhrrein, Fu hc.hor. . rhrprnns Ntrcc hr t dMllown, 'c t ofnr t ( l$ incd crcmprton. r othcrdcl . rninoootror .JLt in6n, , t 0r dt rc. r i \r$n i,r nr t r1h] ' ! t0"4 ofrhc t i r d! . f t ls | r t . rcsI at l% po . month. pursuinr to N S. l7i .OJ0. t ,cDU\crrn 'r s .u. ' sr i r r r r t . intrt .r it l scv$nf iy i ib l . fornry.ddir ion. t rDountorcd.

&paciry Crdrtor

Cap.city CranleeAUYER (GRANTEE)'NFORM^TIONW.lb FargoBrrk N-4.410r \Vired$n !lvdSrn AnlooioTX 782St

s_)tl,l,IR fCRAN'l OR] INfORMAIIONIrl i ( , ' r lDc' ,ul l Scn . i rg Corp.rr:0 \ . rt SI rrd, S0i tc100

COIIPiN! Jl,I:llsOri RXOUiISTINC RDCORDINC (reouired f not ,a cr or br,ycrJ

- 'LTniiLTs:dody;IF:--l?20 El CaminaRcalldie CL 92WZEscfo$: t OOS??(-O-+Slate:--_ Zipr

^s,{ PliItLrc R)!conD -tnls !oRM MAy BERECORDED/II{TCROFILMED


25/43

I23456'789

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zl262',128 EXHIBIT "F''';T#fii-S#l 12


26/43

BoC# tifFlt&Ilrll,,'0r(|talcl.l ftoedttrErb coldY alJrry 0, n.tnl(. - fra|lotP.F I o{ 17 e, ts6.0nornrd ly r rn qPfi:

ililn|lnru$APN 001-859-017

Recording equestedy:NameAddress

city/state/zip

48ZZGalaxvParkwavSuiteCtevetand, H 44128

DEED FTRUST(Titleof Document)..-X, the underslgned,ereby ffirm hat hisdocumentubmittedorrecording oes otcontain social ecurity umber.

- l, the undersignedereby ffirm hat thisdocumentubmittedorrecordingoniains social ecurity umber f a persons requiredby law: (Law).

ThisPage dded o provide dditionatnformationequired yNRS111.312 ectionsl-2-(Additionalecordingee apPties)


27/43

||ilililililil llllilllil lllllll $n

FORRECORDER'S SE ONLY

RECORDINGREQUESTED BY;$oELD SAVTNGS Bin|'(Mtil ru* st"tu-*t.roRecord& Returno:[,4ortgagenformationervices4877GalaxyParkway, te ICleveland, H4-4128

LOANNUMBER: O{6299293NOTEAMOUNTT183,50o.00ASsEssOR'sPARCLNstvlsgq; gOl - 85Q-Of I

1914.-2A t >)> /

[l.t.s,FILEN0bzu1q OEEDOFTRUSTTHrS rS A SIBST DEEO OF raOS! WtICt{ StC!'IIES A NOrE rfHtcti CONTAINSIROVISIONS AI,I'OWIN6 FOR CH.AITCEI NT MI PAYIdIIIT A!'OSNT AND FRINCIIA!BAI,ANCE (INCLUDINC 'OTI'F.E AD NCES AND DEEqRED llltEF,ESI). AT ',ENDERI SOPTION IIIE SEC('RED TVC'IE I{AI BE REM'ITED OR REIIEGOfIAITE]D..I1IE MAXIMUM AGGRqGATE PRINCIFAIT EALANCE SECVREO BT TSIS DEED OF 4IRVST IS9229,3?5.00 wtllcH ts 125d or arlE ontGINAh PRlNcIPAr, NOIE A,lirOUm.

I. DEFINIIONS FWORDS SED N HISDEEDOF RUSTlA) Securig fnslrument.Thls Deedot Trusr,wilch is daledJun67i2fr7 wrll be called he' 's-Ac"nrylns.runerr. ' l lAfftrD Untvx yZ/(Bl Bo.rowe.. TERRENCE LAGGIA,AltlJNt ARRtEdrh soheilhl'o's /illbe ca/led.Booowci'andsomelrmesimplyl'or "m."

;F c\S ^i6 5't ado\ 3a P4''o'+e ?( o fJaf .t-{

{c) Lender.WoRLDsAVlNcS 8ANX,FSB, lls SUCCESSORSAND/OR SSIGNEES,ill be calied tender' Lendors a FEDERALSAVINGSANK,whichs oeanized ndexists nderlheaws ftheUnitedSlates. endeis ddresss 1901HanisonStreet,Oakland. A946t2 ililil|ililili


28/43

illlllt il tlillilililtillI t1i4/9oo46299293

(0i Note.The note siqnedby BotTowernd havlnq he ssmo date as thls SecurityInstrumeni,ncludingll exensions,enewals,ubsti&tionsndmodifrcatlonstereof,wi be cllert ne"Note." heNoreshows hat oweLendefhe odginal fic.ipat nountot U.S. 9183,800.00',NoteAmountJ, lusaccrued nd dofei[ednte.est ndsucholhsrqmountss slated n the Not | havepromisdopayhedebr n regulart cfieduldr,odicaymentssprovilredlr heNoteand opay bedebl n ullbyJuly1, 2037 'Matun!Date').

lE) P/ope.ty, The prope.ly lhel is desc.ribd low n Saclion lll entilled 'Description of thePropenywill becalledhe "Prcpeily."lF) sun]s Secured.The arnounts escdbed elow n Section l en tltled Borcwefs TGnsferol Riqhts n the Frooerly"sometimesillbe cattedhe.SumsSecured.,'(G) Person.Any person, rganization,ovemmentalulhodgorotherpartywi be caried(Hl Trusto,, Beneficiary,Trugtee, Bonoyvers the "Truslor," ender s the ,Beneliciary'andGoldenWcst SavingsAssociationServtceCo.,A CatifomiaCorporation, s the 'Ttustee.

II AORROWER'S RANSFEROF RIGHTSN THEPROPERrylinevocablyorantand convey he properlyto theTrustee, n tusl for Lender,with a powerofsatesxbjecto thc e'|nsof thjsSecurity strvrnentThis.neans hal byslgning hisSecuritynsltumeot,I am grvlnoLendarand T.ustee hose igtrls hat sre statod n lhis securily nst|lrmentand algo hoserighls hat the ewgivcs o lenderswho arebenefrciadest a deedot trust and to trusteesof a deed oftrust iam Oivitrg enderandTrusteehese ightso protect enderfrom ossibleosseshalmight esuttr f la i l lo : (i) pay all amountsowed lo Lenderunder he Note and all other noles securedby thisSeclrly Inst.urnent, alled he 'SecurcdNoles," ncludingtjlureadvancesmade by LenderAndanychenges 0 he SccuredNolesmadewith hewritten onsent t Lender;(i , pay,with nlercst,any amounlshatLender pendsundo.Paragraphs and7 belov!oproleclhe vatreofthe Propeny nd Lende/sdghls n he property;aod(jli) keep aJJ f my other promtsesand agrBsments ndef thts Secudly Inslrurnent,hSecuredNotesandany changeso the SecuredNotesmadswith heMmen consnlof Lender.

III- DESCRIPNON F THEPROPERTYlgive Trusree ghls n the p.operiydescibedblo$/:(j) Thc propety which s localedat i21 COppERST, EL(O, NV 89901-442?. he L6galclscriptionf rnePrope(y ts attached s ExhibnA" whioh s mada partof this security nsfumen(.ThisPropflyscalled he "Doscribed ropedy.,,

fr,/


29/43

llllillllllllllllllllllillllllllllltitll151i! 0or'i170o462gg293

(ii) All blildingsafd other mpfovementshal arc ocaledon he DescdbedPropedy;(ili) All dghls n otherproperlyhal I haveas ownerof ti6 Described ropedy.Thesedghls3reknownas easemenls,ighlsandappudenancosltschodo thePropedy;(iv) All rentsor royallies nd other ncoms lom h6 Descdbod roperty;(v) AIl mineral oil and gas rightsnd profrts, ater rlghlsand slock lhat rE part of lheDescdbed rooertvt(vl) Al riqhts hai I have n the land ahich ies n th stroelsor roads n fronl of, behindorne)d o, heOesc.ibed .ape(y;(vrl) All finures lhal are now or in the tuturewlll bs on lh Descdt,edPropertyor on thepropenydescribcd n subseclion iDollhis seclion;(vil) A I of the .ightsandpropedy escribedn subseclionsii ) hroLrghviDof lhls Seclion hetI acquircn he ftrlurei(jx) All teplacements f or additionso lhe property escribedn subsectionsii ) hough (viii)o l h isSect n:and(x) Alloflhe amountshat I pay o Lender nderPaEgrepi2 below.

IV. BORROWER'SRIGHT TO GRANT A SECURITY NTEREST N IHE PROPERTYANDBORROWER'S BLIGATION ODEFENDOWNERSHIP F THE PROPERrypromisel'ralr i) lawfully wn he Propedy;ll ) hsve he righl o grantandconvey he Frope'1ylo Truslect and (iii) lhere are no oulstanding laims,cha4es, liens or encumbrgnces qainst thePropefly, xcepl or hose$/hichareofpubllc cod.I gn/ea generalwarrantyof litle lo Lnder. hls mrns thal I wlll be tully responsibleor enylosseswhichLndefsufiersbecause oneoneother han$ysolf and he Trusteehassorneof the rigntsin lhe Properly ,vhich promjse hal I have. prcmise that wl ll defendmy ownership f lhe Prope(yagainslny lajms tsuchdghls.

COVENANTSI promise nd egreewithLenderas follows:I. BORROWER'S ROMISETO PAYlwjll pay Io Lendcr,on time, sl l pdrcjpaland intorcslduo under he Secufed Notesand anyprepaymenl nd ale charges ueunderlheSecuredNotes.2. PAYMENTS ORTAXE9AND INSURANCE

lAl Borrower'sobligationslwill pay all amounls neqessaryo pay taxs and hazad insuaance rmiunEon lheProperly s wellas asscssmenls,easehold aymenls, round entsor modgags nsurrncepremlums lf

s00?0c(2004t2J)


30/43

ililillil|il llllllllllllillll t1511!(Bl Escrow AccounlsSublect 0 applicableaw, no escrcwsha b requkedBxcBptupon wdttendomandbyfendor, nwhict case, shaltpay to L6ndea n th daypay,nents aedug under he Note,untit he Noteis paid n f!)1,a slnt ("Fonds) oft {a) yesrly axas,penaliies nd assessmenbwhich may antnprioityover his seclrjty Inslru'nont as a tion on the propefly; {b)ysady toasehotdpsyments o, ground rents onlh Propedy, f anyi (c) yearly hazErdor propeny nsufancepremtumsl d) yearty itood hsufancepremiums. t eny; and (e) yearly mo.tgage InsuranceprBmiums,t llry. Thes6 nen6 an6 cafid ,'Escrowllotn-s," endermay, at any tirne collectand holdFunds n an amountnol to xceed tne maxmumamou a lender for a federally relaled modgage loan d|sy require tot an escrow accoud under lhefedera/RealEslalesentementProcecturesci of j974 Essmendedrom ime to 1ime, 2 U S.C.S 2601el seq {"RESPA),onlessenolher aw hal appliesolhe Funds ets a lesseramounl.lf so, Lenoermay,ar any rfine. oLlecrnd hordFunds n an arnoLrntot o exceedhe lesseramount.Lendrmayesrrmaretie amounr f Fundsdue on tho basisof cunntdtaand easonabresrimates f expendirurestfutureEscrowtems n accordance ithappliMblew,

The Fundsshe be held n an tnslilution hosodeposits r6 nsuredby a feoerar gencyrnstumenlalily.r enlly (including ender.fLender s suci an inslitulion) f in any FederelHomeLooBank.Lender hallapply he F!nds to pay he EscrD!! tems.Lendermay not chargc me for frotdrng ndapplyingh Funds, nnua y aoalyzjnghe escrcwacfount,or veriryinghe Escrow lems,untessLenderpaysme rnlercslor1 he Fundsanct/or pplicableaw permisLendor o mako Suche charoe.Flowever,Lendermay requirem to pay a ooe-tifit hsBe for an indpendenleal estate ax aeponrng eMcelsed Dy Lender n confectionwlth lhis 'oan, unlessapplicableaw provjdesotherwise Ljnlessanagreemenls madeor applicableaw requiresnteresto be palcl, endr hall not be requj red o paymeany Inlaresl . earnings n lhe Funds.Lender hrll gtv6 o me.withoulcharge,an annuataccounring tlhe Funds, howfr !credi ls nddebitso theFunds nd hepumoseorwhicheachdebit o the Fundswas made rhe Funds are pte.lgedas addltjonal ecurity or all Sunts Secured by this Secudlylt lbo Fundshetd by Lenderexceed h amounts ermlttedo be hetdby appticab/eaw,Lenoer iaLlacco!nl o fite ot he ercessFunds n sccodancewith hs tquirementsf applicableaw, tlhe amount l lhe Flnds hed by Lenderat any time s notsuffclent o pay he Escmw lems wnen oue,Londermayso nolilyme ln wrlllng,and, n suoh case shallpay to Lender he amounl neoessaryomake up thc dlicicncy or shortage. I shalt make up the deiciency or shortage in a@ordaoce with lherequiremenlsf ho Lerlder. l its solediscretion,n he manner nd imespaescribedy RESpA.Upon payment n full cf all Su s Securedby lhis Security nsiturnent,Lender shaprcmplryetund o rne anyFundsheldby Lender. l underpaEglaph2E,Lendershafiacquireorse theProperty, endef, .ior o the acquisition rsaleoftho pmparty,shallappty ny Fundsh6ld by Lenderatlhe imeofacqLlisitionr saleas a creditagainsthsSumsSecrrrecty hls Securitynnrument.

3. APPLICATIONFBORROWER'SAYMENTSUnless ppltcableaw aequhes theNise, onder ill apply achof mySecured otsand underParagraphs and2 above n lhe foltowiflgK,erpurposes:sD{200d004-1?.3t

pgyments nder heand for the following

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ililillllllllllllllllllllllulllllllliiri!Fnsl,10payprepaymenl haeesd!a underthoSecuredNotes;second, io payany advanoesdse io Londer und,eriis secudty hstrument;Third,o pay heaftountsdue o LendorunderPaEgraph abovelFounh, o pay nterast uo undef hes6ou,edNoles;FiRh,o paydefefed Inte.esl u6 mderthe securodNotesjSixth. o pay pdncipal ue under heSecrredNotes;Lasi,10 ay ale charqes ue underlhoSgcuradNotes.

4. BORROWER'S BLTGATTONO pAy CHARGES, S9ESSMENTS ND CLA|M9I will pay ll axes, assessmentsnd any othrchrges nd fine6 hai may be lmposedon thePopertyan.,lhrl maybo supriofto hlssecudty nstrument.I wt{ also fi\qkepaynnts due undet my leqse f I am a tenanton (he Propertyand I will paygtuund enls (if any)ouo on ihe Property. wlt pay hseamountseiihorby making he paymonls oLenderlhalare descnbecln PaEgraph2 aboveor by makinghe paymenls n time o the PersonowedAnycleim,demendor charce hat s oade agatnst roporvbecause n obligation ss nol beenfulfilled s knownas a lien- I will pomplly payor satbty all tiens agahst lh Prcperty that may be sope.iorlo UrisSecurily nstrument. owever, his Scldly lnstrument oes nol requirme to satsry a sup.iorllen if: (A) I sqree, 0 writing to pay thg obligation hichgev6 riso to (he supeflor1i6nsnd Lenderapprcves D writing lhc way in which I agree lo pay that ouoalioll: oa(B) in good faith, I argue or defendagaidsl hesuperiorier in . lawsuil o that,during he awsuil,hesuperiotienmay nol be enforced ndn0 parlof hc Propcrly ittrslbe glvenupi or (C) securc rom ho holderolthat othef ion an agreement,approvedn writingby Lender. hat h lienof lhls Socoritynstrumnts superiorlo he llen held by thalPerson.f L6nder etennineshat any partollhe Propenys subiecl o a supedor ien,Lendermaygivelo me a nolioe denlilyinghe superiorlen. willpayor sallsryhe suporiorienof take one or moreoftheactions ct or'lh bovcwithin10 daysofthe giving f notice.

5. BORROWER'S ALIGATION O MAINTAINNSURANCEAl my solecost and expense, will oblainandmalntain azard nsurance o cover3ll buildjngsandolheamprovemenlshal nowaaeor io h futurewillbe ocated n he Proporly. h nsu.ancemuslcover loss or damnge caLlsedby lire, hazardsnormallycavered by "enendod coverage"hazardinsuncepollces aod ctherhazsds tor whichLender equkes ove tage. he insurancemust be in theamounts and (or lhe pedods of time requircd by Lender. filay chooso ihe insurance company bui mycholces sub.Jeclo Leddeisapproval, ndrmaynot efuse o spprcvemy cholceunlss he rfusalsreasonab Al of those nsurance ollcies nd rcnewals fthe pollciesmust ncludBwhal is knownas aSlandard Mortsogee Clause lo protectLender-Th6 form of all policiesand .enewals rnust beacceptablec LndcrLenderwillhave he dghttoholdthspollcies nd renewals.f Lncierequires,\4illprcmplly iveLenderall recelpls l paldprml!msand enewal oiiceshsl I rcceive.lf t ob(ain carthquake nsurance,any olher hazad Insurance. rdR ife andlor disebilityIntumnce, r any oihr nsurence n ot relellngo th6 Properly rth Secul6dNotssand whicharenotspecifcallyequired y Lendef, willnameLenderas osspayseot a,ny mceeds.

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I lll lilm fi fi llllllllll ti5{l!lf there s a loss or damage o the Propedy. lyillpomptlynotify ho propr nsuranco ompanyand Lender tl I do not promptly p.ove.lo the insqaancs ompony het the loss of damaqe occltred' then

The amountpeidby the insuranceompanys called Paoceads,"ny Proceds ecoivedwill beaDDlied iNt lo rcimburse Lender for @sis and s)oenses Incul|td lo @nneclion wJth ol{aining tllProceeds,nd hen, at Lendeis oplionand n the oralor nd proportion s Lenclermaydetermlnen itssole and absolu(ediscretion, regardless of eny imDairnent or lackof irnpairment of scority, es follows:(A) o lhe exlental/owedby zpplicableaw, o thoSums Sqcud in e manner hat Londerdeterminesandlor B)1o hepayrnenl f coslsand etpensesof ne@ssaayapairsa o tha restoratlon f the ProPerlyto a conoition atisfactoN o Lender such aDolicationo bB made n the manner and ai th times asdeterminedv Lender.li I abandon he propertyor lf I do nol answ6r,whhln30 days, a notico trom Lenderor theinsurance rmpenyslating hat he insutance ompaoy as ofieJEdo sl{e a claim,Londer naycolledths Ptocceds wi jlnolify Lender mmedietely fany olter o stle a clalm lom the nsuranc ompsny.willimmediJtely eliverany Proceedsrecoive om any nsgaerr olhetpersonso Lender. Lender tayuse he Proceedso repairo. restoro he Froperty r to pay tho Sum5Securod-The 30-dayperiod 6/illbeginwhcn he noticc s qiven.ll anyProceaOs re used o reduceh amount f ths oulstrndi0g lanceof the SumsSecured,lhal use will nol delay he due dai6 o. t'ange h emountof any of my regularly cheduled aymentsundcr hc Sec rcd Notes and underParagraphs nd 2 above.However, endornd I may agre nMiljnq o dolays rchanoesll Lenderacquires ie PropcdyundefParagraph 8 below,all of my rights n the Insursncepolicies il lbelong o Lender.Also,all of my rights n anyProceds htchars paldtcauseol damagelhsl occ!ned behre ihe Properly s acquircd y Lendsfor soldwlll belongo Lendef.Howev6f. endeisrighls n those Procedswill not be grealer han thg lota,anour Ot he Suns Seqrrcd lmmedialelybetore heFropertys acquired y Lenderor sold,il I am required y Lender o lay prcmiu|'lsof monggensurance, will py he preml!msuntlhe requirefi)enlor monoage nsuranceends scaoding to fity wdtten agreementwith Lender oraccodjng o law.

6. BORROWER'S BLIGATION O MAINTAIN]HEPROPERTY ND TO FTJLFILL NY LEASEOBLIGATIONSI will kecp ho Propedy ngoodrepair nclldlng,butnot imildo, keeping he propedyfree romdbis mold Iemites, dry rol and othsr damaghg pesls and infestations_ will not clestroyorsubslanliallylrange lre Prcpen) and witlnot allow he propenyto dotedorate. willkeep and nalnlainlhe Pmpertyn compliance ithany staleo.fdorsthsfifi n.ts;fety aws,enc, azadousmaieriats ndnazadous wasie laws, | \4ill not use, generate, nanufacluret store any hazardoLJs atertslsorhazardouswasle on, under or about lhe Pbpeny. I vvillhdeDnit, delnd end hotd harmtess Lende. anoitsemployees liceE anddireclo]3 nd helrsuccessoIslm anyclalms, gmags t costs or rquiredor necesseryepairor the removet f mold, ermies,dry rot,otherdamaging eaband nfestatrbns ndnazardousasle ranyotherhazadousoletja)slairn.l ldo notown Lrtm s tenant n hepaoperlyI will fumll&y obligations ndermy lesse. alsoagmE hat, f t ac4uirehe fee Lift to the prope.ty,mylessenleresl od hc ee i{ewiltnotmerg6 ntess endergreesothemeer n wrfting.

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illlll[ilililililIrllllil]||flit 5tila7. LENDER'S IGHTTO PROIECT TSRIGHTI' I'ITHEPROPERWlfl (A) I do not keep my promiss snd egreement! madB in thls secunly Instrumenl, or (B)someone,ncludlng re, begins a legeiprocedingnat msy slgnlficantly tfect Lende/s dghts n theProperty including ul not limitd o any mannerof legal pmc8edlngn b.nkruptcy, n Probate. o.condemnilion r to nforcc sws o. rqulaUoos),h6o Lenoermay do Enclpay tor whatevel deemsreasonable r appfopflateo protecl he Ladels rightsh the Pfoperty. end/s ectioosm3y include.withoul irnjlation, ppeanngn coun, paylng easonablg tlolnF fees,purchasingnsuEncerequiduncler cclion5, above such osuaance sy costmoreandprovideesscoverage han he insumncemighlpurchase), nd nredngon th6 Ptoperty o make repairs.Lendermust 0ive m notlcbeforeLendermay akeany oflhese actions.Although endetmay ake scllonunder his Pamgraph Lenderdoesnol hve o do so. Any acljon akenby Lender nderthisParagiaph , willool rcleaseme frommyoblBationsndef hissecudty nsirumeni

I willpay o LonderanyamoL]nls/hichLsnder dvances nderthisParagr.aph wilh nterest, llhs inlerest ale in effeGi ndr{he SecuredNotes. wittpay thoseamounls o Lenderwhen Lendersendsme a r)oliceequeslinghat do so. Inlrest n 6chamountwill begjn o sccrueon th dete hallhe ariounl s advanced y Lendet Ho$/evea.ender nd mayagroe n witing to teams hat aredifferentfiom those n this Paragfaph . This Security nstrument il l pmteciLnder n cas | do nol keep hispromiseo paylhoseamountswilh nterest.O. LENOER'S IGHTTO INSPECT HEPROPERTYLefde., atd cihers authorized y Lender,mayenteruponand Inspeot he Propedy.They mustdo so in a asonablemannerand al reasonableimos.Betoroor al the tlme an inspections made,Lender ust ivemenot lcc lalnQ reasonabteoDoseorth6 nspect lon.9, AGREEMENTS BOUT GOVERNMENTALAKINGOF THEPROPERryI ass,0f o Lerder all my righls: A) o proceeds f all awerdsof claims or damages eslltingfromcondemnation.mjnenldomainor othergovemmentalqki0got alt or any part of tn6 Propenyt nd(8)lc proceedsiom saloof all or anypadofthe Propertyfiat s made o avoldcondemflalion minentdoman or othcrgovernrnentalakingoflhc Property. llofthose proceedswill be paid o Lender. f Ireceive nysqohprocccds I will mmedbtely eliver hem o Lend6r.

lf al lof the Propertys takcn, he proceds ll tbe used o rcduca he SumsSecured. f any ot theproceeds errlsin ffer he SurnsSecuredhavebeenpald n ull, he remalning roceedswill be paid ome. JnlessLenderanct agre oihMiso n wriling, f only a partof the Propeny s taken, (he SurnsSecuredwill bc redLrcednly by the amoLrntf proceedsnulilplied y the following raction: A) he totalamounlol lhe SumsSe.ured mmedlalelylefore he taking, ividedby (B) he tair marketvalue ot theProperiy lmcdiarely etore he taking The rematndorftheprocoeds ll lbe pajd10me.ll I abandonhe Properly r ifl do not answer, ithtn 0drys, a notice rom Lenderstatinghat agovernmeflalllhorityas fiercdomake paymentr osettle olalmordamage$,enderas he

aulhorilyJ collectheprcceedsndSflleie Claim.endermay henuse heproceedsoreduceheSums ecured.he 0day eriodil lbeginhonhe oticesgiven,

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I|||nllilllllllilllllllllillllllllllitlitItany roceedsreusodo eduoeheamounlflh utstandingdncipalf heecuredotesthal use will not cletay he ctuedgls or chsngehe anount ot atty of my regulatly chedulcl ayments

undsr he securedN;les and underPrcg|dphs and2 abovo.However,Lenderand I may aQTgnwdtingo delays r chnges.10. CONTINUATIONF BORROWER'S BLIGAIIONS NDOF LENDER'SRIGHTS

(al Bo.foweasobligat-ronsLender mav sllow a Perconwho lekes over my tights and obligations ubject o thlssecutty nslrumento delayorto chang6lheamount f thepayments f Princlpal nd nterest u nderlhe secufedNolesor unc,erhis Securitynstrumenl. ven f Lender o65 hit, however,nat Personandlwlli bothstillbe tellyobligated nder he securedNolssand nderthisSecufily nstrument'-endermay allow hosedelaysor changesot a PeFon who lakes over my tiglls andobligallons,ven f Lenders requested ot o doso.Lenderwillnot be roqulredo bringa lawsuit galnstsucha Person or not firlnlling bligatlons nder& SocuredNotesor undef this secunly Insirumenl.

even f Lnder's requestodo do so.(Bl Leodr'sRishts

Even f Lenderdoesnotexercise r enlorce ny ofiG fightsunderthisSecudlyhstn meor undgrlhe avt,Lender\'vill tillhaveallofthose lghlsandmayexerclse nd onforce hem n he futureEven tLenderoblains nsurancei ays axes. r paysolherclaims, harges r llensagainst he Property,Lendefwillh6ve he righl underParagraph 8 below o demandhat make mfiediatepaymenln tull ofthSumsSecured11, OBLTGATIONSOF BORROWER,CO-SIGNORSAND OF PERSONS TAKING oVERBORROWER'S IGHTSOR OBUGANO'.IS

Exceptas prolidedbelow, t more han on PeEoflsigns his Securityhstrumentas Bofiowef,eachof!s is follyobllgated o keep all of Boroweis promises ndobligetionsofltainedn this Seountylnslrumenl. endef may enforcc Lende/g rlghls under hls Secudly nslrumentagainsteach ol usindi\aduallyr aoainslal lof us together. hismeans hat anyone of us maybe requuedo pyall ol theSumsSecured

Any Borrowerwilo co-si9ns this Security n$rumsnt but does not execute lhe Nole (a"co-siqnol) a) is co'signinghis Securitynstrument nly o mortqaoe, rantAndconvey he co-si0noasinleresl rn the Properly undBr h lenns of this Security nslru.rEnt; (b) is not personally obligalec, o paylhe sums securedby thisseouily Inshurnenti nd (o)agrees hatLnderand any otherBonowercanagree o extcnd,modjiy, orbearor make any accommodetionsfth egard o the lenn of this SecurilyInslnrneDl r Nolewilhoul he co-signor's onsenl.AnyPe.sonwho kesovermy righisor obligalions ndefthisSecurjlynstrument illhaveelLofmy dghls and will be oblgatod lo keep all of my promises nd agreementsnade in this SecurilyInslrumentrmilarly,nyPerson ho akes verLnde/sights r obligationsndeffis Security

ldstrument ill haveall of Lende/s dohtsand will b obligaredo teep atl ofLende/s agreehenlsnadein thisScurity nstnimen{.

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lilililillltflillllllllllllillllilllillii4n12. MAXIMUMOANCIIARGESf thc toansecured y thisSecur{tynstruments subjecio a lewwhichsetsFlximumoanciarges, and hat law is fnally inlerpretedo lhal the interstor othsr oanchargescolected or lo becolrecicd n connecrjon iih lre loan xceedpemftlcl imtts, heni (a) any such toan chaQo6haltbrduced y ie amounlnecessaryo rcduoe he charg o the permittgdimitsand (B) 6nysu(lu arreaoycollecled iom Bo.rowerwhjcJrexcededpermfrrdin E wti b rfunded o Boftower Lendermaycnooseo make his fetundby .educingh6 outstandlngdndpetbalancof th6 SecurodNoles or bymskinga directpayment o Boffovrcr. f a relundEdlces pdnclpal,he rducllonwill be treatedas apsdialprepaymont ithoutanyprpgymntharge ndsrtheSgcuredNotes.13. LEGISLATION FFECNNGLENDERSRTGHTSlf a clrlnge in applicablew wouldmakeany provision f thg SecureclNotes or this SecuntyInsttumenlneniorceable, eDdermay requirehal I make rrnediate aymentn futtof al l Sum6Secu.edbY is Secur itynsrrumenl.11, NOTICE5REAUIREDUNDERTHISSECURITYNS1RUMENTAiy noticehatmqst begl\,n o munderhisSgcurity nsttument ill beglvenby delivenngt olby marlingt by nrstctass Dait ntessappticsbteaw rquiGs se of anothermethod.Th6 noticewi beaddressedo rne at 121 coppER sT, ELKo, NV 998014421, A noticewi,l be given o me ar analtematileaddress f I give LeDder oliceot my EltemativeddEss. maygive noticB o Lenderof myallemalive ddress n writingor by callingLendelsclFtomersgrvice olephone umbefprovjdeatn mybilling lalemenl may designate ny onemaiting ddress t a time ornofltication urposes.Excepr spermdled bcvc tor changesot address, ny notice hal rtrrsl be given o fencler uncter his Securitylnstrumeol i I begivenby mailing t by first clsssmail o Lendeissddress tstect n Sec(on .(C)sboveentilled, Defi)jtions i Wolds Usedan hisDe6dof Trust,"nloss Lendergivesme noticeoFa diffeaentsddress. ny ooljce eq!lfeclby thisSecurilynstrrJfiontsglvnwhen l ls mqitedor when t is de veredacc.ordrngo lhe req!iernentsoflhis Paragraph4 or ot appticabteaw,15. GOVERNINGAW: SEVERABILITY

This Security Inslrument and ttre Secured Notes shall be govemed by and construedunder foderal law and fecleral rutes and negutations,nctuding those fo. federa y charteredsavings institutaoos {"Federdl t-a!y"} andr to the erdent Federal LaVtdoes nd apply, by the law otthe urisdiclion in which the Property s tocted, ln the event hsl any ofth6 tefils of provisions fthis Secl]rny nst.ument r the SecuredNotes sre lnterp.eted r @nslflJedby a couft ot competsntjurisdictiono le void, invalidor unenforceable,uch decislonsha afec,l only thos6 provisions oconsttued r inierprchdand shall not sffeot he remaining rcVisionsf thls Security nstrument r theSecured oles16. BORROWER'S OPYI acknoviledgehe receiplof one confonned opy of the SecuredNotes and of this Security

17. LENDER'SIGHTSORENTALAYMENTSND OTAKE GSSES8IONFTHEPROPERTYlf LendereqL,iresmme{,iateaymentn fullor f I abandonhePmpedy,henLender, grsonsoulhofzd yLender, r a receivef ppoinledy a coudal Lende/sequoslmayi A)co,leclhe rentapaymenls,nciudingvedle renlalpayments,ireclly iom he tenants:B) entoroponand lake

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I uilllllllllllllllllllllllll fi$npossess'cn fthe Property;c) maoagehe Prope,ty;endD)sigo,canceland change Enta greemenisafld eases.f Lenderno{ifiesh6 enantsthatLender as herightto colect Dntatpaymenls irecttyrcmthem Lrnderhls Paragraph17, | dglee lhat lhe lefants may msk thoso aentglpEyments 0Lendorwilhoulhavjngc ask (DLenderwhelher have aaed10kepmy promises nd sgrosmentsunder hi3Securilynstt]]menl, r (iDme for myperm'sslonodo so.

lf Lender acts lo have the Propedy sold afler a BGaGhof Duly as clefoed in Paragraph 28, Ilnde|slandand agree hat (A) my right 0 occupy hePrcperty eassat th tirne he Propedy s sold;(B) I shallhave no right o occlrpy he Properly fferguchsale whhout he writtenconsentof lhe newownerorlhe P.opertyand (c) my wrongful nd unlay/trrlossessionflhe Propedymaysubjeq me torfonelarydamnges, ncLudiilghc loss of reasonaltleent and he cogtof 6vic1ion, l{ .entalpaymentsco(ectcd by Lcnder or by a .eceiver, other ian the rent paidby me undef thls Paragraph 17,wlll be usedtrst lo pay he cos1s f collecting entalpayments ndof managingho Property. I any parl ofthe renlalpaymenlsemains fler hosecoslshavs benpald n full, he tgmalnlng artwill be lsed lo reduce hoSo|ns Securcc. Thc cosls of managing he Propedy may Include he receive/s fees. reasonable6tlomeys'tecs nd he costsofany necessary onds,14. INJURYTo PROPERT| ASSIGNMENTOF tcHniAn assignment s a tmnslefof ghts o another, mayhavedghts o bring egal actionagajnstpersons, iler th.n Lcndcr. or in,uryor demage o the Pmpedyor in connedlonwlth he loan made ome by Lendefand which rroseor will arisebeforeor aner h date of this Securily nstrumenl. heserights o i'riog legal actio may inc\Jdebut arc not limiteclo an actlon or breachof .antracl, taud,concealmeri f 3 matcria l acl or for intenlional r ngllgenl cts. assign hese ighls,and any and allprocccds rislng rora hese nghts,as permitted y applicableaw, o Lender.Lendermay,al its optionenlorce hese lglrtsn ils own naoroandmay applyany proceedsesullingrom hls asslgnmenlo lheSumsSecured tle!'deducling nyo)eenses,ncludiog tlomeys.foes,ncuned n enforcinghesedghtsAl he reque$l f L-ender,!!ill slgr any unherassigrmonts r otherdocumontshal may be necessary0enforce hisassignmenl I will noliryLender mmediatelyf I believe have the rigbt to bong any suchlegal adion sgarrsl any persons and will notifyLender mmdiatelyf I a$erl any claim of demandagainst r commence ny legal actionagainslany such pe|son. lf I aeclve ny paoceedsrom enypeFonsbesidesLcr)der n coonectionwith anysucb claim,demandor legalactaon, will immedislelydeli!ersucbDroceeds oLender.19. CLERICALERRORSIn he evenlLendcrai nny imediscoveftihat hlsSecudty nstrumsnt,he SecuredNotesor anyolher docirmenl elated 0 this lcan, calledcolledivetyhe 'Loan Documents."ootainsan earorwhictlwas calsed by a cle cal Djstake,calculalionfior,corltputor fior,pnnllnoenor or similareror, I agreeLLrpon ole from Lender,1o execuleSuchdocrimentation5 Lendetdeomsnecessary 0 coflect anysuchcno(s) and I ajso agree hal | \4illnoi holdLender esponsibteor any damage o me whichmayresull romafv s!6h error.20. LOST,STOLENOR MUIILATEDTX)CUMENTSf any oi the LoenDocuments re ost,slolen,mulillod r destroyed nd Lenderdelivels o mean i.rcle'nnillcatioDn my tavor,signedby Lendet. hsn will signanddefivero Lendera Loan Docurnenlidenticalinom andconlentwhichwitlhave he efscl Ollheoriginal rallpurposes.21, WAIVEROF STATUIEOF LIMITAIIONSI !v wa ve wiihinepplica le aw lhe pleading f he staiute f timitationss a defense o enfo cethis Seclrily lnslrumert, ncludi,)O ny obl'gationscfened o in lhis Securily nslrumentor Seclred


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ililmltl|ruffim[[ffllllllll$22. CAPTIONSThecaplions nd neadings l lhe beginnlng t 6achpregrapn fthis Securlty nsirument re orreference nlyandwillno{be sed in hg nterprgtationfnyptolisionof thls Seclrity nstrumant.23. MODIFICATIONThissecurity nstrumentmaybe riodifledor amonc,dnlyby an agrcementn writing ignedbyBorrower odLender,24. CONDOM|N|UM,OOPERATTVENOPLANNEDUilt DEVELOPMENT SUGATIONSlf llre Propedy s a unit in a condominlurn,ooperativo r plannedunit developmenl, achofwhichshallbe called he Projecl,"and I havean lnterestn the commonelementsof the proiect. henLender nd aqfec hal:

(A) lf an ownersassocialion r olier entity, alled 'OwnersAssociation,hotds itle o p.opr1ylof th bonclitor use ot the Projectand its mmbe|sor shsrehotders,ie prcperly also includesmyinlcresl n he OwfersAssociationnd heuses,proceeds nd bentils fmy trtorest

(BJ The fo lowing are called he "Conslituenl ocumentsi" The dectafalionor any otlrerdocumerlwhichcreatcd hc Projectt Ji)By-tatvs f lhe O/vne6Associaionj iii)Code of reg!tationsorihc Prr)jecl, i,,)Arliclcs of Incorporalloo.rust instrurEnl or equivalenl oclment which creales heOwne6 Assocalion, (v) Thc Project'scovenants, ondilions nd resldctions; vi) Other equivalentI shall perform all ot my obli0atiorE undr the Conslituent Docurnnts, including myobligaliono pny,wnenduc all duosndassssmeDls,f I do notpayth6duesand assessments hsndue,Lendermayl i ls opl ionpaylhem. wjl lpayto enderanymounls hlch enderadvancesnderlh,s Paraq.aph2,1according o the tenns desqlbed in Paragmph7 above_

lC) lf lhe OwnelsAssociationmaintains, ithdn nsorence ompanyeasonably cc,eptableoLender a master or blanket policyoo the Pmjed which s satisaactoryo Lenderand whichprovldesInsumnce ov/agon lhe lenns, in lhe amounls, or the periods,and aglnst he lrazardsLenderrcquhes,ncludin0 lreand hazards nch)ded ilhin he ern "orlended overage,' nd Lender s provldedwrthevrdence f such master or btanketpolicy,hen: DLenderwaies the provisionn Parag.apn (B)above of the payrngnto Lenderof lhe 6slmatedyearlypaemiumnslllmenlsor hazard nsurance nthe Property; nd (ii) hazard nsurance oveGgeon the Prope(y Bs rquiredby Paraqraph above sdeemed o be salisfiedo the excnl that he required owrage s providedby lhe OwnersAssocialionpolicy- shallgiveLenderpromplnoliceof any aps n the requird azard nsursnc overage. shallprovide copyof suchmaster or blanketpolicy 0Lender nnually.In the eveft of a distribltjon f any hazad insuranoeroceeds,ncludino ilhout imitauonany earlhquake r spegialhazards nsurance hethea r no t suchcowage was requird by Ledder, nlieu frestorclionr epairollowingloss 0hePrDperty,hethero thgunilor o commonlemonts.

any roceedsayableo marehrebyssignednd hall epaidoLenderorappllcationo heSumssedrrcd by thrssecrrity lnslrumeni,wjthanyexcesspaid o me, lf I r6oeiveany such prooeeds. nillimmediatelyeliverhcmoLenderrolherwisepplylltemsSetorth bove,

0046299293


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Imffiiltriilllfll|||lt[]t[litf8I shall ake such Bdionsas mEy bs reasoDablgo insur hst the Ownsls Assoclallonmainlains public iabihy nsurance ollcyaccptablso Lendern orm,amountand extenlof covelage.

(D) I shell nol, oxceptaner notco to Lsnderandwlth Lendels pdor writien consenl,eitherpa(llion ocsqridivide he Proportyor coosent o: o lhe ab6ndonmEnl r terminationoJ he Project. exceptfor sbandonmei tor lmination requirecl y l3w in tha case of subslantlsl estruction y flr or oliercasualty r ln the case of conc,omnat ion,mlnent omalnor o|hergovemmenlAlaking; lD enyamendmeni o eny provisionof ConsliluentOocumentsunless ho prr'vlslon is for the xpress benefit ofr-enderor of lenders generallt (iiD lefininallonot professionalmanagefiont and assumplionofself-managcmenlt lhc OwnersAssocialion; f (v) any sotjonwhichM/o!ldhave h effectof rendnnglne master or blanket hezard nsurance olicyand/or he public labilitynsumncg overagemaintainedby he OwoersAssocialion nscceDlabteo Lender.25. FUTUREADVANCESAl Borow,'s equest,Lnder, t i rs optton Out eforgle3seofthb Securtty nstrumenl r thefull reccoveyancf lhe Propedydescribedn the Scurity nstrument) ay tend uturc advancs, ithioterest,o Bonower Such ulureadvances, ith nteresi, il l henbe dctitionalSumsecurcd nderthisSecunlynstrument.26. AGREEMENTS BOUT LENOER'S IGHTS FTHEPROPERTYSSOLO OR 'RANSFERRED

Accererartonof pavmsnt ot Sums Secured.Lendermay, al its oplion, require mmedietopaymentn fLril f all Sunrssecuredby hisSecurity nstrumentf alt or any pan oflhe Property, r if any.rgh( n the Pfopedy, s sold or hanstefiedwtthout endelspdorwriien pormlssion. ender6lsonay, atitsoplion requiremmedialo aymenl n fulllfEorrowerbnola nalrJralpelson nd a benficietnlerest nBonolvers sold or lransferredwithoutLonder/s riof Written emission. lowevor, Lendershall notrcquiremmediate aymentn full f this s pfohibited y Federel aw n efect on the date of the Security

f Lenderexefcisesha option o requlremmediateayrnonln full.Lendsrwill glvme notlceoIacceloralion. f I tarl o pay all SurnsSecuredby lhis Secufi.lyhslrumenl immediately,Lender may then otlheraflernvokeany rernedies ermilted y this Security s lrumentwilhout urthernotice o or delhand

THISSPACE NTCNTIONALLYEFTALANK

oo46299293

sDo?ol r.o4i2.]) t0: (200r0a1)l


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illlllllll l l ilillllllll lllm 575180016299293

THISSPACE NIEN1IONAILYLEFTBIANK

27. SUBSNTUTE RUSTEELoder, 1 is opl on, may rom imeto time emovcTru$ee and Eppoint sucassorruslee oany Trusleoappointed ereunder y n Inslrumenlccordedn the city or county n which his SecudlyInstrumel s feco ded Wthout conveyance f the Pfopedy, he succssorrusteesha l sr]cceedo alllhe itlc,powerandduliesconfenedLrpon rustee e.ein nd by applicableaw-28. RIGHIS OFTHELENDER F]HERE ISA BREACHOF DUTY

11 ill be callede "Breach f Outy" f: (i) do nolpay he ull Emount f eech rcgulady chdiJledpayment n he daie( is dLre; r (ii) lail to pedorm nyofmy pmmises r agreements ndertheNoleorlbisSecunlyfstr!menl; or (iii)any statemsntmade n my appilcatlonorlhis loanwss materiallyalseoTrnbleadingr:l any statemeoln my applictionor his oanwasFatedally alseor misleading y reasonol my ofirission f cerlain acls;or (iv) havemadeanyolherslatemsnlo Lendor n connedionwilh iisloan hal s fnalfally alse or rrisle3drng.f there s a Brachot Oulyby me Lender maydemandaflimme.liale aymcnl l all SumsSccured-ll lhere s a Brcachof Duly by me, Lendermayexerciseh powerof sale, ake action o havethe Property old ncter applicableaw.and ovoke uchother emedlgs s may be pe.miltedunderanyLender oes0ol have o givemc notjceof a Breach fDuly, f Lenderdoes nol makea dorndfor full psyrneniol the Surns Sscureduporra Bmachof Duty,Lndermay maks a demand or fullpaymentflheSunsSecu.edpon ny ther reachl Duty.lf theresa BreachfDuly, ender ay lsoaleactionohave rcceiverppointedooollectrenlsrom nyenanlsn heProperlynd omanagethempedy.h diono appoinlreceiveraybe aken ilhout rior oticeomeand cgardlesst he 'dlqe f hePtoperty.Thesaleof thePropedrynaybe postponedy or st thedhocllonf Lendr.f thePrope(y ssold, agreehal t maybe sold noneparcel.alsoagreehatLendofmayadd o theamounthat owelo Lnder lllegalfees,osls, llowsnces,nddisbuFementsnqll'edas a fesiit ofthe adion o sellthe

PropnyLendefrlill pplyheproceodsromhesalooflhePropertyn ho ollowingrder:A) 0 allfees,expensesnd costs ,rcrned n connclion ith hs ssle, ocludingut no1 imited o ltustees'and,ttomeys'ees, t any; B) o all SumsSeouredythlsSeouitynst&ftent: nd(C)env excesso thePe6on o. Persons legally enfiled to il.scozqu1004-1:) IMol co,a-!&r)l


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irls Is t^{ :rnoFr.r! :cr_! -. '

iltililililIil[ilil]Iill[ fiilil| Ui{l!oo15299293

ZS. RECONVEYANCEUponpaymentof all sLrmssecurecl, y thls SacurityGtrumentLonde.shall reques!Truslee o reconvey he Property 3nd shall surendea hls srualy Inslrurnont and all seouredNoteso Ttustee, ruslecshall cconveyhe Prope.tywilhodwrn nty o Eorowor. LenoermaycnaEe Bonowera reasonalrleee tor recoflveyingn Prop6dy. rl only l the te is paldto athjd pady incud;ng he Trust6) or sMces endered nd he ch.glng fthe f6a s pe.milted,whelher xpress or by ack ol oxpress miibllion,undorappllcablgaw. fthe tee charged oes0ol exceeclany maimum fee set by appLcable ew, lhe fee is conclusively presumed to be30. STATEMENT F OBLIGA]IONLender may colecl a tee of $60.00,or such greaterrr|axlrtum amount a5 may ffom timelo lioe be allowed y law for lumishing nystaloment fobtigalionwlth Espect o (hisSecurityInslflrmenlr th SecuredNotes.31. I X } OU'CKQUALIFYING OAN PROGMMI haveualrfiedor hrs oanbymakingtalementsl aclwhich ere clied pon yLendefo approvehe oan apidly.his oans caeda ,QuickuAlifylngoan..have taledand conllm lhal: (A) | do nol have any otherQuickeualiryjng oanswith Lender; B) | haveagreed 0 0ol further encumber he Proporlyand do not ir nd to furthorencumber the Propertyforal le.sl stxmonlllsaner he dateofthe gocuredNotes nd ltis Securitynstrument: nd c) tfI ampufchasinghe Prcperty, llof the enasof he purchase grcemontubmittedo Lenderarelruoand hc entlredownpayments cesh rommy own unds.

lf aiy ol lhe slalmenls t fact hal I havemadearo maledallydse or misleedino, willbe in defallt under he SecureclNotesand this Secudty nstrumont.f I am ln such defauii,Lender n3y at ils oplion, ncreasohe nlercslmte.32. IX ] OWNEROCCUPANCYLendc.has reled lpor slatemenls f fact wfiich hav made o queliry or this loan lhavesrared fd confnn lhat: (A) the Propeny s my persooal nd pdmary esidence; B) \Yi)loccupy he Properlynot latcf than 30 days afler his sec0rity nstauments codedi and (c) Iwill use rre Propcriyas my residencc or at least 12 months rom lhe dale this Securitvlnsltumenls recorcied.

lf any of the slalemetls of fact hsl I havemadsaremstdallyalseof mlsleadlng, willbe in dcfa,rltunder he SecuredNotes and this Secldty lnstrument.f I am in s{jch de{a(lt,Lefftermav,al ils oolron.ncmaselhe nlercst te-

{ X ) VALUENDICATESHAT HEPARAGRAPHPPUES.

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(PLEASESIGNYOURNAMEEXACILYAS ITAPPEARSBELOWIBORROWER(A}:

o0452992936Y slGNlNOBELow, { accptandagroe o the glomlsos ndagFements onialnedn thisSecuritylfslrumenl nd nany ide(s) igned y neanatecodsdnpropgr fficlalecords

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LOT 17,BLOCK J OF AUROUSESTATESSIJBDTISION,ACCORDINGTO THEOTFICEMAP TIJEREOF, ILED IN THEOFFICEOF THE COLNTY RECORDEROFELKO COUNTY,NEVADAgON SEPTEMBER6,1980,AS FILE NUMBER13852I,AND AMENDMENTTHERETORECORDEDEBRUARY15, 1983,NBOOK4I5, PAGE411, FILENUMBER 173401, FFICIALRECORDS, LKOCOTJNIY,NEVADA,PIN:001-859-017

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RECORDTNGREQUESTED BY:Ll'S f itlc Company IJVWHIN RECORDODM-AIL TO:Nariorai Dcfaulr scwiciry CoQomtion7?20N. l6b Sneer,Suire300NDsc FrlcNo. : l0-i25r2-wA- lw

SUBSTTTUTION OF TRUSTEEWI'IEREAS.IRRXNCE ALACCIA, A MARRIED MAN AS HIS SOLE AND SEPARATEPROPERTY AS C OrJgi'AI fuSIO(S),OLDENWESTSAVINCSASSOCIATION ERVICDCO..ACALIFORT_IACORPORATION was$e original Trustee rd WORLD SAYINGS tsANK, FSB, rrsSUccESSoRS ND/ORASSICNEES a! le [email protected]{}5111/?00?nd ccordcd n 06/tat007 as nsluft.niNo. 575479n BoolqPaae, f OlticiatRecordsiELKOCountr. btcolr..V and

D",.d cl 19 ?0.|{lTexas rryIls : VlcRslftnt l loanDocurlhtonSTATEOFCoL\-rY0floferOCT 2010 arh J. codtaaY-. befo$ Iqc. ---- . a NoBi) P-blicpeaea l'lo0fl llll8SlllSlln who pcmndrry roo* ro hebr saidStarc, ersonally ppeded(orwho proved o ne on he basisotsatisfactory videncc)obe1hepersob(s) hosenmc(s) is/a!subsoribedro nrcwithi, i!$rrDent nndacknowledgcdo nc halhdshc/they xocutcdhes@e ih hi$trl$ei! authorizedcapacity(ics),d tndlby his.ftr/thcir ienalwc(s) D he nstr@ent heperson(s), rth cntry uponbehaLfofwbich rhepcrson(s)acr.d. ex&uted d|e instrumcnt. ceniry underPENAITY OF PERJURY ude. the laws of

{XAB thm thc forcgoiDg s tuo and corcct.

Whcnclerl|c conlex( ereof equircs, e masculinecnderncludcshesinguldr mbcr ncludcshcphunl

WlI'NI:SSnr! handandofficial seal.

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ba616+:001-a59-017

WIIEREAS,e undersigncds heprcsenleneficiaryrder ie saidDecd f lrust, andwltEREAS, le undemignedesireso subsritutenew rustee rdersaidDeed f Trust n phceofsaidoriginalTrujree,or Succsso.rustee, ereunder.n tlo mamd in ssidDeedofTrusl Drovided.Now, TIIEREFORq te undcrsi8nedereby ubjiuresNATIONAL DEFAULT SERVICINCCORPORATIO|I. n .{rizonaCorporation, hosc ddre$ s 7720N, 16" Strcet,Suite300,phoeniri,Arizona 50?0, sTrusreender aidDeed fTrust.

DOC# 640775A5iC6i2ClI 03 D9JvOff i c i al Re co rdLSl TITLE ACE]\CY!iC.Elko Countv NVD l l i ke St lales RecorderPaq; 1 of 1 FF: 51,.0cRc.ordcC B' Y: :r? i- : t t t -C! )I llillliilllilliltilliltillil*640775',

andor neutcf, ]rd huWcllsFargo ank,

MAr(JAI\lgsoDlNANorlrv ubllc,rdl ,T{!3MvCommlsson xP 63Aprl l l4 ,2013