Exhibit R, Bank of America Equity Maximizer — Case 5:24-cr-00292-PCP, Document 44-18
Summary
This is Exhibit R, a Bank of America Equity Maximizer Agreement and Disclosure Statement for a Home Equity Line of Credit Account. Its first page lists Sandra Will as borrower and Bank of America, NA as lender, with the date JULY 21, 2016, a Credit Limit of $500,000.00, a Draw Period of 120 Mos., a Repayment Period of 240 Mos. and a Maturity Date of JULY 21, 2046. The agreement states that the Account is a revolving credit arrangement in which the Lender makes loans by advancing funds. The final pages are an amendment to the agreement, which says its other terms remain in full force and effect, with a borrower line for Sandra Will.
Summary drafted by a model from the document's text below and checked by script against that text before publication. It is a navigation aid, not a reading of what the document proves. Where AI is used
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“Exhibit R, Bank of America Equity Maximizer — Case 5:24-cr-00292-PCP, Document 44-18.”
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Case 5:24-cr-00292-PCP Document 44-18 Filed 04/09/25 Page 1 of 14
EXHIBIT R
Case 5:24-cr-00292-PCP Document 44-18 Filed 04/09/25 Page 2 of 14
BANK OF AMERICA EQUITY MAXIMIZER AGREEMENT
AND DISCLOSURE STATEMENT
Property Scn·ing tis Security (the "Pro1lerty"): )06 LOS GATOS ALMADEN RD_ , LOS GATOS, SANTA CLARA, CALIFORNIA
95032
H"rrmw1·':.,\';1mc11ndAddrc.~.,: SANDRA WILL, 306 LOS GATOS ALMADEN RD,, LOS GATOS, CALIFORNIA 95032
Lendl'f's i''ame and Address: Bank of America, NA, National Banki:19 Association, 100 North Tryon Street,
Churlottc, North Carolina 28255
ll,te: JULY 21, 2016 Armual Prrcrnh1ge Rate: 3. 2800 IJraw Period: 120 Mos.
Loan ,...;umber: 68249038711799 i\largin: - . 2200
l\l:1t11rity D:-itr: JULY 21, 2046 ,\1:1\imum Interest Rate: 24. 0000 Re1rnyment Pl'rioil: 24 0 Mos
Crl'llit Limit:$ 500,000.00
Hilling: Cycle: MONTHLY
I. Introduction. This Bank of America Equity Ma:,,,imizer Agreement and Disclosure Statement ("A~rcrmcnl'~ governs your Home Equity Linc of Credit Accom11
(your "Credit Line" or "Account') with the lender mimed nbow ("Lender"). Your Account is a revolving credit arrangrmcnt in which we make lo:ins to )-'Ou by
advancing funds ("Adninn•s'' ut your direction, :illowing you to r~pay those Advances and take additional Advances, subject to the terms of this Agreement. ll1is
Agreement will remain iri full force and cffoct notwithsta11ding that the Account balance under the Agreement muy oCcl!sionnlly be reduced to nn amount equal to or
less 1ha11 zeru.
In this Agreement, the terms "we." "us," "our" .ind "Bank" refer to the Lender or to uny subsequent assignee or transferee. Except us noted below, the terms
"you," ·•your," "yours" and "&,rrower" refer to each person 1hat signs this Agreement or has authority to use the Credit Line, Read this Agrcemc11t carcfu;Jy so that
you know how your Account works and keep a copy of this Agreement for your records
2. Horrm,cr's Promise to Puy. You promise to pay to Lender the total of all Advance, plus FINA~C.: CHARGES, together with oll fees and elu1rgcs under the
terms ol' this Agreement. Ym1 will pay yuur Aci.:our:t according lo the terms set forth below If there is more than oiu: Bm rower, each is jointly and severally ti.ible
on this Agreement. This means we can require any Borrower to pa~· all arnmmts due under this Agreement including credit advances made to any 13orrowcr. Each
Borrower wthorizes ~ny other Borro\~Cr, on his or her signature alone, to cancel the Credi1 Line, to request and receive credit advances, mid to do all otha things
ncccssa~y to carry out the terms of this Agreement. We can release any Borrower from responsibility under lhis Agreement. and the others wil! remain responsible.
J, Term. The tam of your Account will begin as of the d.'.lte of this Agreement ("Opening Ihle") and will continue until all indebtedm!SS under this Agr~-ement.
i!"not already paid pursu:mt to the p.iymenl provision below, will be due and payable upon maturity The Draw Period of your Accmmt wi!! begin on the date ulicr
the Opening !)aft\ when this ,\greemcm is accepted by us in th.! Stale of North Carolina, :"ollowing the perfection or rhc Sccuril} lnstrtunent und tht' meeting or all of
our Nhcr conditinns and \Vill contim1e for one hundr~d an<l twenty ( ! 20) rnon!hs. You may obtain credit advances during the Draw Period Aller the Draw Pcrtod
ends, Ll1e Repayment Period will begin, and you will no longer be able to obtain credit ad\!ances. The length oflhc Repayment Period is two hundred and forty (240)
monlhs dc::,cndi11g on the repayment <;ehedule set fonh :lelow. Yo11 aeree tlrn1 we may rcnL'W or extend the period duri1g wHch you may obtain crs:dit .idvanccs ur
make payments.
4. Cre(llt L1n1it This Agreement covers a n:volving line of credit for the principal amount of FIVE HUNDRED THOUSAND AND 00 / 10 0
DOLLARS ($ 5 OO, 00 O, CO ), which will be your Credit Limit under this Agreement.
You may not request an Adwrncl' from your Account th:11 \vnuld cau<,c your outstanding balance or" Advances to exceed your Credit Limit nor arc we obligmcd to pay
any Advance request that would cause your outstanding balance of Advances to exceed your CrcCit Limit. If we do make an Advance th.it causes your outsrnnding
b;ilam.:t: ol' Advances to exceed your Credit Limit, this will not con~titute an incrensc in your Credit Limll. You agree to immediately repay the amount by whid1 ymtr
outsianding balance or· Advan~es exceeds your Credit Limit
5. Seruritr. All amounts due under the Account me secured hy a mortguge, deed of trust, or security deed ("Security lnstruml.'nt") on tile Properly iden111·1cd on
page one of this Agreement. Borrower agn:es to rmy all amounts due, and perform all covenants and ob\is.itions required of Borrower under 1he Sccuri1y lnstrumern.
[fit lxrnmes necessary for us to ndv;rnce funds to you above the Credit Limit to rrotect our security interest, frcluding, hut not limited lo, Property Expenses. those
amount; i:1 excess of the Credit Limit will be owed by you and will be secured by the Securi1y Instrument unless applicable law prohibits th!;', same The S1,.>cL1rity
Instrument and this Agrecmcnc are rel<1Lrd <lmume:rns anti u dcfaull under eiLhe1 document will be treated .is a delimit under both docu1m:nts. To th,: i;::xt~nt permitted
by applicable law, the lien <>fthe Security Instr Jrnent will rnntinue and will hnvc the same priority if, will' your consent, we renew, extend. amend, modify or substi1u1e
this Agreement. In such evenl, you agree to execute any additional documenls necessary to achieve the udion being Lnken.
6, Terms and Dclinitions. The following terms are detincd as se! forth in this Scctio11, Other terms are defined elsewhere i:i this Agreement
A. "Billinp, C}'clc" is an inten-a! of time that occurs regularly during the term of this Agreement and is used lo determine the FINA~CE CHARGES and other
fees, charges, a11d cred;t insurance premiums that are d11e on your Account. The number of d::iys in each Hilling Cycle m::iy vary from time to ·.inie, A
nilling Cycle occurs regardless of whether 1here is a balance or 311y activi1y mi your t\ccoum. Yow Billing. Cycle is stated on p.:ge I of thi~ t\grt:emem.
H, "Hilling Statemclll" 1s .i statement that we will forn1sh to you penod1cally tlrnt provid~s importar,t information reg.irding your Account activity.
C. "Credi! Limit" is 1he maximum aggregate amount of principal that \\-e will extend to you under this Agreement. Your Credit Limit may ch~nge under certalll
circumstances. Your Credit Limit is stated on page I,
D. "Dn1w Period"is the period of time during which you m~y request Advan~es from your Accounl ·nie Draw Period is stated on page I.
E. "Maturi!)' Date" i5 the date on which the entire Account balance under this Agreement is due The Mnturity Date of yo-ur Account i~ stated on page I.
I'. ":Haximurn Interest R:itc" is rhe rate disclosed as Sllch on the rirst page of this Agreement.
SANORA WILL/995161241833570
BANK OF AMERICA EQUITY MAXIMIZER AGREEMENT AND DISCLOSURE STATEMENT DocMagic e,r:-~1;l;;:·,:s;
AGR.BOA 01129/16 ©2014 OOCMAGIC, INC. Page 1 of 10 www.docmagic.com
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US-0015457
Case 5:24-cr-00292-PCP Document 44-18 Filed 04/09/25 Page 3 of 14
G. ";\linimum P11Jmcnl" is the minimum .i111oun1 ytllt 1m1s1 pay on your Account, :is rcllccti.:d on each periodic Billing Statement for each Hilling Cycle. Your
Minimum Payment during the Draw Period and during the Repayment Period will be calcubtcd as described below under the heading" Payments."
ll. "Outshmding U.ilnncc" is the hala11ce of the Accour11 as determined by Lender frnm time to time. which include,. if applicablr. rrindral. accrued interest
on the outstar1ding principal, fees and churgcs, and Properly Expenses.
I. "l'ropl'rt)' E,pcn~l·~" are: expenses we incur bc1;~u~c you do not l"ulfill all obligation5 o:·111c Security Instrument for the Property thm scclircs this Account.
,I. "ltcnminin~ Term" is the- number or mo1nhs (including the monU1 with respect to which the calculation is made) remaining until the Maturity Date.
K "l-lc1111~·ment Period" is lhc period of time that begins at the end of the Draw Period. During the Repayment Period, you may no longn rc4ucst Ad\anccs
from your Account.
L "Variable Rate Principal l\alnm:L•" is the princirnl balnnce 1hat is nm payahle under a Fixed Rate Loan Option
7. P11ymcnt~.
A. During boih the Draw l'criod und ihe Rcpaymern Perb<l, 1/le Tow! Minimum Payment Due for each Billing Cycle is equal lO lhe sum at: ( ! ) lhc V,1riablc
Rate Balance Minimum Payment (de~cribed bcl0\11); (2) the payment due, it'any, for any outstanding t.-i:,;ed Kate Loan Option: (J) any unpaid tees. charges. and l'ro[Xrt)'
Expenses; and (4) any pc1st due amollnts from prior Billing Cycles. Some Fbicd Rate Loc1n Options may h.ive a different due date and are not figured imo the Total
Minimum Payment Due. At any time you may pay more than the Total Minimum Payment Due, make ndditional payments or pay in full or in p;irt !he Ou1s1anding
Balance You will be required to ply the Minimum Paymem Due each month there is an Outstanding B.1lance on your Account
n. \'11ri11hlc I-lute ll:11:mee Minimum Pn.nm:nt. The Variable Rote Balance Minimum P::iymenl for each Billing Cycle is the greater or:
I. $100.00, or
2. the amoum calculated by determining fully amortizing principal and interest payments sullicient to repay the average of each daily Variable Knte
Principal l3alance for such Billing Cycle (as determined under Section 12. B. below) over the Remaining Term at the ,\;",ii'\UAI. l'ERCE;\'T,\GE RXn:
in effect at the bcgitrning of the Billing Cycle:
prm·ided. however. 1ha1 the Variable Rate Ualance Minimum P:iyment will never be more than the sum of the outstanding principal :md all accrued ::md
unpaid Finance Charges C>11 the V.iriablc Rate Principal &lance.
C. Fiud U.111e Lo:m OJ,tion 1'11)men1 lnformaliun. A Fixed Rate Loan Option has a fixed interesl ra1e and thed term and is p.iyable monthly. You may rcqucs,
the initial Advances m1 your llomc l~4uity Linc ofCn:dit be transferred to a Fixed Rate Loan Optim1 at the time or originatmn or transfer part or :ill or the V:irinble
Rate Principal [!alance. along with accrued interest. and fees to a Fixed Rate Loan Option at any time during the Draw Period or the Repayment Period. No transfer
to a Fixed Rate Loan option is ("ll!rmined if you are in default or your advance privileges h:ive been suspended or terminated.
Fixed Rate Loan Option payments will be billed separately from your Regular Poyment in accord:incc with the schedule you have arranged. However, 1he Varlabk
Rate Balance statement will show all activity, including payments, You may have up to three (3) Fi:-:ed Rate Loan Options open at any one time, bul may not have more
thau four {4) Fixed Rate Loan Options open duril1g any one statemem ~rior.l.
l Term: The max1murn term !Or a Fixed !{ate l.oan Option may not exceed 1he rep.1)mcm ixriod maturity date or the Equity r-.1aximm:r account.
2 Loan Amnunt: The minimum loan amount for a fixed Rate l.oa11 Option that can be requested al origination is $15,000 and the maximum amount
a!lowaOlc is 90% of the total Home Equity Line of Credit Hnc amount. The minimum loan amount for those Fixed Rate Loans Opti(lnS transferred
during the draw or repayment period is $5.000 and the maxnnum amount is I00% of the remaining line amount.
3 ANNUAL PERCENTAGE RATE: The Fixed Ihle I.Dan Option ANNUAL PERCENTAGE RATE will be determined by the Lender at the time you
trumfor lO a fi:-:cd kaic Loan Opt10n. Your Fixed Rate Loan Optio11 imerest rule and lhe 1clale<l 1~1yme111 mnou111 may increa!>e if you are rm lo11gcr
eligible for one or n1orc of the following discoums that may be rctlectcd in your original Fix.cd Rate l.oan Option rate: .25% d1sCOlmt !Or au!Omatic
p:i.ymcms; up to , 50% discDunt for owner-occupied r,ropcrty: and . 25% discoLmt ns an employee of Bank of America or an affili~te.
4 Fixed Monthly l'aytncnt: Ench p:1ymcnt will be a fo;cd dollar arnmmt to be determined at the or,cning ofn Fixed Rate Loan Option{s). You may arra:1gc
u differcn'. payment <late for each Fixed Rate l.o:m Option. Each Fixed Kate Loan Option payment will consist ofprmc:ipal and int<:rest .ind will be
amortized over the \crm you select.
Al any time you can elect 10 h<msfCr your Fixt:d Rate Loan Option halancc(s). along with ;rny ui;1;nn::d inte1cst, to the Variable Rate Prim.:ipal Balance ~ubjec
to the variable rate ANNUAL PERCENTAGE RATf~ :md m:nimum payment requirements.
H. H.cceipl of Pa~mient, 11ml 1'11ymcnt A11plit'atiun. All payments made by check, au1-0mat.c accou:lt debit, electronic funds transfer, money (irdcr, or other
instrument must be rcceiv(J.l by us lit the remittt111ce address on your periodic Billing Statcmcn1. 1>ayments received at that address prior to 2:00 PM at the loca!io:1
specified, or a payment mndc at one of our lxmking ccmcrs iu the slate or our Jddress indicated as the rcmi1tance address by 1:00 PM on any business day will be
credited as of the date rcc~·iwd. Ausincss (fo)S arc Mond,1y through Friday, e:,.dusivc of legal holidays. lt'thc <.Jue date !'"alls on n Soturdny, Sunday, or legal holiday,
the due date will 1101 be e.,iendcd. Unless otherwise agreed or m;uired by applicable law. payments and other crcdiis will be appli~d to FINAXCE Cl IAHGt:s, uthcr
charges and fees, and prmcipal in any order we choose without notice. Notwithstunding the toregoi11g, ( 1) Lemler is not required to make Advances 11n111ed1atcly
available al\er applying your paymtm and may require cm1firmation that your payment was in good funds, (2) Lender may apply your payments using its st.indard
payment application methodology. as the methDdology m:iy be modified by the l.cnde, from time to time, and (3) unless prohibited by applicable la\\' or otherwise
restricted hy this Agreernen1. Lender has the right nl its sole discrcti()n to suspend the making of Advances ttmler this Agreement for any reason rt:'gard!ess of whether
you receive notice of suspension, im;-luding but not limited to suspending Advances to defond against possible fraud.
9. ,\drnnces. During the Draw l'criod, you may rc4ucst Advunces from your Accuunl, and any amounts you repay will subsequently Ix: available for Advances,
subjccl to the limiiations of this /\grtement. If there is more than one of )'OU, each of you may obtain Advances in accordance wi;h 1he terms of 1his Agreement. Each
of you is individually responsihte for pa)mcnt of the entire Aci.:ount balance regardless of \\Jm actually requested t11e Advancr.
IC there is more 1han one pcrs<m authorir.cd to use this Credit Linc, you agree not to give us wntlicti11g instructions, such as one Borrower telling us not to give
advances to the other.
The words "Authori1cd Si~net-"on Special Convenience Ch;:,cks and Bank of America ATM cards or Bank of America Check Card or Account Access cards
as used it1 this Agreement means Md includes each person who (a) signs the application for the Credit Line. (b) signs this Agreement, or (c) has e.,ccutcd .i separate
signa1urc authori1..:uion card for this Credit Linc,
You may obtain Advances under your Credit Linf.' Account .is follows.
,\. Cmlil Linc Chcl"ks. Writing a prcprinlcd "S11r<"inl Con,·enicnl'c Chl'l'k"that we will supply to you.
B. Trlrphone Reque:,,.t. Requesting a credit advance from your Account to be applied to )our designated account by telephone upon proper idtntifo:ation and
In accordance with procedures established by us. Except for transactions covered by the federal Electronic Fund Transfers Act and unless otherwise agreed in your
Deposit Account Agreement, you acknowledge nnd you agree that we do not accept rcsp;msibility for the E1uthenticity of tele_phone instructions and tha1 we will not
SANDRA WILL/995161241633570
BANK OF AMERICA EOUlTY MAXIMIZER AGREEMENT AND DISCLOSURE STATEMENT DocMagic e.=~G'i.'~~_u;
AGR.BOA 01129/16 © 2014 DOCMAGIC, INC. Page 2 of 10 www.docmagic.com
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US-0015458
Case 5:24-cr-00292-PCP Document 44-18 Filed 04/09/25 Page 4 of 14
be liable for [lny loss, c.xpt!nsc, or cost arising out ()f any tdcrho11c rc-1ucst, including any fraudulent or unuuthorizcd telephone request when acting upo11 ~uch
insm1ctions believed to be gcn•ltilll:.
C. Rl'<Jucsts in l'cnm1. Requesting a credit advance in pcrs(ln at m1y of our authorized locations.
U. ,\ulomillcd 'l'cllrr M11rhinc ("AT:'11") Access. (Not al-'ailable 1n all stat.es) Using your "l3ank of America ATM cJrd or Bank of America Check Card 01
Accmmt Access Card" at any <if our designated ATM kications to withdraw or transti:r fund; in excess oflhc available collected balance in the account
E. Han~ of Am<'rka ~:quity Minimiur \'IS,\® ,\ccount Access Ciml (the "Account Arrc~s Card"). {Not available in all sratcs) Using the Account Access
Card as described in this Agrccmem. Visa is II regisll'f(.'(I lrndrmHrk of Visa lntcrnution:11 Sen•ice A~sociation.
1-·. Ontint' Hankina. lransferring funds to a deposit account and such other -0nlinc banking capabilities as made a\·ailablc by Lender from lime to time.
C. Limitatio11.r. on lhc v~e a( Checks. We reserve ihc righ! not io hflnor Special Convenie11ce Checks in ihe Joi/owing circumsmnces:
l. Crrdit Limil \'iol:1tion. Your Credit Limit h..1s been or would be exceede<J by p~ying the Special Con\•cnience Check
2. l'ost-datt'd Chcrk~. Your Special Convenience Check is post-dated. lfa post-dated Special Convenieoce Check is paid and as a result any other died
is returned or 1101 paiU, we ,ue 1101 rcspunsible.
J. Slolcn Checks. Your Special Convenience Chec~s have been reported lost or stolen.
•'- IJnauthorilNI Sianaturcs, Your Special Convenience Check is not signed by an" Authorized Signer" as defined below
5. Tcrmim11ion or Sus11emion. Your Credit Line has been 1erminated or suspended as provided in this Agreemenl or could be if \\e paid the Speci:.il
Convenience Che-ck.
6. Other Special Conwnicn-cc Check Umit111io11s. You may not mnke a pa)'mcnt on the Account with a Special Con,,.enience Check. You notify us
thai )'OU wish to stop payment ofa Special Convenience Check; however. yoLI will nm hold us liable ifwe try to stop paymem of Special Convenience
Check ,md wi: arc unable to do so. Ycu may try to stop payment on a Special Convenience Check by notifying Customer Service at the number listed
on your statement. Your stop payment order will remain in effect for six (6) months unless renewed.
If we pay any Special Co1wcnience Check under these conditions, ~•ou must repay us. subject to applicahle law,;, for the ammmt oft he Special Cnnvenience Chect.:
Ttie Speci.11 Convenience Chei:k itself will be evidence of your debt to us wgether with this Agreement. Our liability. if any. for \\TOngfu! dishonor of a check is limited
to )Ollr .ictual di!m<1ges. Dishonor for any n:ason as prnvidt'U in this Ag1ecrncnl is not wrongful dishonor. We m,iy choose not to return Specinl Co1weniencc Checks
along with your periodic Biltiog Statements: however. your use of each Special Convenience Check will be reflected on your periodic statement as a credit advance.
We do not "certify" Special Convenience Checks drnwn on your Credit Linc.
ii. Um ital ions on the IJst' nf ,\ TM C:ird-.. We reserve the righl not tn honor the Bank of America ATM card or Bank of America Check Card or Account
Access Cards in the following circumstances:
I. Crellil Limit \'lolntlon. Your Credit Limit has been or would be c:-.ccedcd by honoring the Bank of America ATM card or Bank of America Clieck
Card or Accounl Access Cord charge.
2. Stolen A'DI Cnrds. Your Rank of America ATM curd or Dank of America Check Card or Account Access Cards hnve been reported lost or stolen.
J. Termim1tio11 or S11-.pemiori. Your Credit Linc has been terminated or suspc11dcd as provided in this Agreement or could be if we honored the Credit
Linc charge.
4. Other AT~I CHd Umita1io11s. If ,~c pay a:iy Advance requested by use of the Bank of America ATM card or B.:mk of America Check Curd m
Account Acc(:ss Card under theSI: ~onditions, you must repay LIS, subjcc1 to applicable laws. for the amount of the Advance. The Advuncc itsi:lf will
be evidence of your debt ID tis together with this Agreement. Our liability. if any. l(ir wrongrul dishonor or an Advance is limited to your adual
damages. Dishonor for m1y reason a-. prnvidcd in this Agrccme111 is not wrongful dishonor. Your use of the r3ank of America ATM card or Bank
of Americ-a Check Card or Account Access Card will be reflected 11n your periodic statement as a credit advance_
I, Tmnsurtion Rc(Juin'mcnts for Account ,\cl'cs.s Curd. The following tronsuction limitations will apply to the use of your Credit Lino:
I. ,\ccou,,t ,\l"l"css Curd Limirntions. The following 1ransuction limitations will apply lo your C1cUit Line ~nd a~cessing by other 1m:thLlds,
2. Limilllfions nn thl' lJsc of ,\ft'OUnt Arccss Curd. We rcSL'rve the right not to honor the Account Access Card !mkcd 10 this Credit Linc in the
t'i.1l!owing cir~umstanccs
11. Crrtlil Limit Vinli11i11n. Y,mr Credit Li1~1it has OCcn or would be exceeded by paying the Account Access Card transaction
h. Sttilen Acco11111 Acrt'ss Cnrd. Ymir Accmmt Access Curd has been reported lost or stolen.
l', 1Jn11uthuri1.1:d Sign111l1rc:-,. Your Acc11unt Access Curd is not used by a Borrower who has been issued one.
ti. Tt'rmination or Suspension. YOL1r Credit Linc hns been terrninatcd or suspended as provi(lcd in the Agreement or could be ifwc paid 1hc
Account Access Card transnction.
3. Other Acroun1 Acrc~s Card Limit11tions. lfwc pay any Adva11ce requested by use of the Account Access Card under these conditions. yo~ must
reray u,, ~uh.feel to applic:ib!e laws, for the amount of tht Advance 'Ille Advance itself will be evidence of your debt lo us logctht:r with !his Agree men!
Our liability, if any. for wrongful dishonor ofan Adv:mcc is limited to your actual damages. Dishonor for any reason as provided in this Agreement is 11at
wrongful dishonur, Your use of1hc Account Access C.ird will be reflected on your pcriudic statement as a m:dit advance
4. Li:1hility ror UnilUthorilcd ,\fcount Accl"Ss Clltd Transactions. You are not liable for unauthorized use of your Account Access Card. NO\ity us
promptly if you l'll!iievc your Account Access Card has been lost or s1olen or if you discover any unauthorized trnnsactions. We may require you to provide
a written sta!cmen( regarding claims oi" unauthorized Account Access Card transactions.
5. UmitJ1tioTis on I.ender•~ 1.inhility. Lender's liability, if any, 1"or wrongful dishonor of any Advance request is limited to OorrO\~er's actu:il damages
Lender shall not bt: liable if any merchant, linnncial institution or ATM refuses to l1onor the Account Access Card.
.I. Lo!>I S1>n:ial Corwt'nlcncc Ch«ks 1111!111:rnk of Amcriru AT;\-1 cnrd ur H:1111.. uf ,\nwrirn Cl1crk Card or ,\n:uunl Arn.-.!> C1mh. If you lose ym1r Special
Convenience Checks or B;inl,; of America ATM card or Bank of America Check Card or Account Access Card(s) or if someone is using them without ~our permission
you agrl'c to ]('I us know immedi.itcly. You can not!!~· us at our address shown at the beginning of this Agreement
K 1-·u1urc Credit Lint' S4-r\'irl"i. \\'here pcrmiucd by applicable law, your application for this Credit Line also serves as a reques1 to receive any new services
(such a, access devices) that may be available at .omc fu1ure time as one of our services in connection with this Credit Line. You understand that this request is
voluntary and that )'OU may refuse any of these new services at the time !hey are offered. You further understand thm the terms and c-0nditions or this Agreement will
govern any trnnsactions made pursuant to any of lhese new services.
L. Credit Linc S11«-inl Conn~nirnce Chr,k, Telrphont' Reqursl, In Pl'rson Request and ,\T;\I Access Limitation~. Except as otherwise promled 111 this
Agreemen1, there are no trans.action limitati()ns for the writing of Sfll,X:ial Convenience Cht.-cks, requesting an Advance by telephone, reques1ing an Advance in f)\.'rSon.
or using the ATM.
SANDAA WILL/995161241833570
BANK OF AMERICA EQUITY MAXIMIZER AGREEMENT ANO DISCLOSURE STATEMENT DocMagic C.= ~1:.', •:;:,•
AGRBOA 01/29/16 © 2014 DOCMAG!C, INC. Page 3 of 10 www.docmagic.com
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US-0015459
Case 5:24-cr-00292-PCP Document 44-18 Filed 04/09/25 Page 5 of 14
IO. Blllln~ Statrrncnts. If you h.J\'C u bulancc owing on ymn Account or have ar1y Accou111 activity, ,w will scml you n Billing Statement. Billmg Statement:,; will
show, as applicabk, credit advances, FINA~Ct: CIIAIUIE,"i, other charges, pnymcnts made, other credits, your previous balance. and/or your new halancr. Paymcms
will be due as shown on the Billing Statements,
11. ,\utom:11it' Puymtnl. [f you choose to have payments mad~ from a desig11a1ed account and have arranged with us to do so, we will autonntkall~· drnrt the
payment !)rans will be made on the payment due date or immediately after the payment due date (1f the payment due date is on a Saturday, Sundav or legal lmlidav)
If ym1r account do~s not conlain the paymL'nt amoull\ dlll', yn11 undcrst,md th.11 it is your obligatio11 without notice from ur; to make the full payment Even i(you make
a manual payment. an m1tomatic paymi:nt will be drnl'ted from your designated account, unless you make such manual payment for the full payment due at le:1st thri:c
(3) business days prior to the due date; howcwr, if you make kss than a full manual payment at least three (3) business days prior to the due dote-, only the remaining
nmount ('11rrently due will be drnfled. To stop an tiutomatic drali. you must contact us at least three (3) busine\<; day, prior HJ the scheduled pilyme111 drali datt·. \\'c
may accept late paymen1s, partial payments or checks and money onkrs marked "payment in full" (or similar notations) or payments accompanied hy a lcttL'f smting
that our acceptance of the payment indicates our agreement to the terms set forth in the letter without giving up. waiving or losing any of our rights under law or under
this Agr~rnent.
If you choose to establish automa1ic payment to drafl your designated Rank of America accounl. the authorization will remain in full force and effect until the
Bank lms receiw·d wriuen or verhal notiticatinn frnm you nf 11s termination in ~uch time and in mch manner as to afford the Bank a reasonable opportunity to act on
it. If your d~signated account is a Brink ol' America accoum and uutomatic paymenlS are tcnninnted either by you or by the Bank, your margin will inrrerise by one
quarter of one percent(. 25%).
12. ,\i\'Nl/,\L l'ERCENT,\GE RATt: AND FIN,\NCE CIIARGE.
,\. Whrn FIN,\l\CE CIIAltGt:S lk1!:in IO Accrue. Periodic Fli\'Ai\Ct: Cll,\RGF..."' for Advances under your Credit Line will begin to accrue 011 the date
Advances arc posled to your Credit Line. There is no ~frt.-c ride" period which will allow you 10 i1\'01d flNAi'it:E CIIANG ES on your Credit Linc Ad\'anc.cs.
U, llow the Balance on whirh the FINANC~: Cll,\RGE i~ Oilculated is Dflerminrd. The cost of the credit through the Credit Line is disclosed as a Finance
Chnrge. E.xcept for some closing costs iindicated in this Agreement), interest \\ill not accrue until a credit advance is made. You will pay interest on each crt-dit
advance until it is fotty paid off We will determine the 1-"l:",;,\NCE Cll,\H.C.E for each monthly billing period by using the following simple interest rate calculr.lion.
,\ 1-"l,\',\~CE Cll,\R(;E is calculated daily on the Variable Ra1c rrincipal Balance, as defined above in the" Definitions" section of this Agreement. by multiplying
the daily periodic rntc (as indicated in "How The Rntc Used To Calculate The Finance Charge ls Determined ") by the daily Variable Rate Principal Balance.
To gel the daily Vari<1bk Rah: l'rlncipi.!l Balance we (i) take the beginning Variable Rate Principal Balance for that day (ii) add to that nrnount all credit advances
and sums advanced by us to fullill any obligations Lmdcr a Security Instrument (such as a mortgage, deed of uus1. or security agreement), if any, for that day, then
(iii)subtract all principal balance payments and credits for the Variable Rate rrincipal Bulancc for that day. All of the daily Variable Rate Principal Balance Fl~,\i\'CE
CIIAH(a:s for the monthly billing cycle arc added together to get the total Variable Rate Principal Balance flr\',\:\'C[ Cll,\RGE for 1he monthly billing cyck·.
Transaction charges are addeU to the Variable Rate Principal Balance FINANCE CHARGE to get the total Fl~Ai'iCE CIIARG[ for the monthly billing cycle. For
Fi.wd Rate l.oan Option balnnces. the estimated Fl,"l;A:",;CE CIIAttGE i~ calculated at the establishment of the Fixed Rate and is included in the fixed payment amount.
C. How tb(' !fote lfo.•cl If> C11kulal(" the 1-'l~,,;-,.;cl: CIIARG E Is Determined. ·111c in\tiJl Variable Rate Principal Balance daily periodic rate used to tompl1\c
the Variable Rate Princip.il I11lance FINANCE CIIAftf;E is 11365th of the initial Voriable Rate l'rincipnl Balance ,\NN"ll,\L PERCENTAGE R,\TE (as indicated under
,. Periodic Rmc ;md Corresponding 1\i"<l'NlJ,\L PERCENTAGE R,\Tt;' ), The Variable Rate Pri11cip.it Halancc ANNUAL F'ERCENT,\GE RATE is a variahk rnte
involving both an index und u margin, both described under "Periodic Rate and Corresponding 1\Ni"ilJAL PEH.et:~TAGE HXIT' below. FINANCE CIIAHGt:S
will accrue on an actunl 365-duy yc.i.r basis (366 day y.cJr basis for leap year). IC however, you recc1wd a discmmted margin for (I) automated p.iyments from your
dcsignJtcd Bank of America account. (2) ttsing the l'ropcrty .is an owner-occupied princip;;il residrncc, (3) an initial Ad\·ance maintained for at least the first three
consecutivt= billing cycles, as described in an Amt=rldmcn\ hereto (if any), or (4) any other npplicahle Jiscoum (including but not limited to nn cmploy1..>c discount), then
the- Varillble Rule Principal Bal;.incc l)aily Periodic Rate and the Variable R~te l'rincirml ANNUAi, PERCENTAGE RATE may increase as a result ot· 1he loss of one
or more of such discounts, ;\s <ll'Scnbcd in Section 13. below The addition of n fee may cause the nctual Vnri;.ible Rntc 1irincipnl Ekllancc ANNLJ,\L PERCENTAGE
fl.ATE for the monthly billing cycle to excee-d the Variat.lc Ralc Principal Bal:mce ANNI/AL PEIKENTAGE IUTE statt=d in this Agreen1cnt.
If the lndc.x is LIHQvail.ible for .iny monthly billing. cyck, we will use the Index for the most recently preceding monthly billing cycle i11 which the- lndc.~ was
avui\nble. 1J' the Index cca;cs to be published durmg the term of this /\gn:cmcm, we will sclc~t a substilulc irnJc,x amJ 11LH gin. The substitute indc;x will be ii historical
movement substantially similar to the l11dex, nnd the sulntitute index and margm will result 1n an Ai\:'ll'IJAL n:Hct:NTAGt: RA.l'E at the time it is substilt1ted that
1s substnntinlly similar to the r.llc in ctlCct at the time the Index became unavailable.
'J'hcre is no limitation on the size of any interc~t rah! aUJt:stment or the numbcr of interest ra1c adjustments that may be made on the Credit Linc so long ns the
mnxim11m ,\:\NIJAI. PERCE:'ll'TAGE RATE docs not c.,cecd the Mnximum lnt1,;res1 Rate disclosed on the first pnge of this Agreement. Any increase or dccense
in th~· Index that occurs would cause a corresponding increase or decrease in the Daily Periodic Rate. ANNUAi. PERC:E~'TAGF: RATE. Fl~ANCE Cll,\HC.ES and
possibly the 1'otnl Minimum l1 a;,ment Due. You understm1d that adjustments based on an l11de.x chMg-c will be applied autornalically to the Credit Line and you will
not receive advan,e notice of th.it adjustment.
The Finance Charge on a Fi.xcd Rate l.uan Option is Jetcrmincd oi1 a simple interest basis. If you make a l'ixed R<1tc Loan Option paymcnt(s) before or utter
any s~cif'ied payment date, either the amount cf your originally scheduled tinal paymem may be lower or higher than the amount initially esl.iblished 01 i!dditionul
pa~mcnl(s) may be required
13. Pcrio1lk Rnle and Correspontling AKN"l/AL PERCENTAGE JUTE. We will determine the Periodic Rate and lhe corresponding A,'\!'\U,\ L PEIKE~·ucE
R,\TE for the Variable Rate Principal Bulancc as follows. We start with an independent Index. which is the Prime Rate as published daily in the "Money Rates" table
of711e Wall Street Journal!the "Index"). When a range of rates has been published. the higher of tile rates will be used. We will use the most recent Index value
available to us as of the dall' of 1he ANNIJA L PERCENTAGE HATE adjuc;tmem. The Index is not 11eccssarily the lowcs1 rate charged by us on our loans. If the
lndc.\ becomes unavailable during the term of the Credit Linc Account. we may designate a substitute lnde~ (and, if necessary, a 11ew margin) afler nn1icc to you
A. llutt• Computation, 'l11c ,\~,\,I/Al. PERCE~TAGE RATE is determined using the Index published as of the last bLtSiness day prior to the first day ot'tht'
1101 monthly Billing Statement plus a margin, as shown below, and will be effecti-.c on the lirst day of the next monthly billing cycle.
To determine the Periodic Rate that will apply, we add the applicable margin to the nilue of the Index and di,·idc the value by the number of days in a year (daily)
fo obtain tht: ,\i\:'ll'lJ,\ L l'ERCE.'<iT,\GE H.ATE, we multiply the Periodic Rate by the number of Jays in a year. The r\Ni''ll,\1. PEHCE:\'T,\fiE H,\TE includes
only interest and no other costs
The current ln(ie.x is 3 . 5 Q Q % per annum. The margin is - . 2 2 0 %. The initial PL'riodic Rate and the corresponding ,\!'\:\'lJ,\L
l'EHCE~TAGF. RATE on your Credit Line Account :ire as stmed below;
SANDRA WILL/995161241833570
BANK OF AMERICA EQUITY MAXIMIZER AGREEMENT ANO DISCLOSURE STATEMENT DocMagic e,o::1c-::. ·.::.1
AGR.BOA 01/29/16 © 2014 DOCMAGIC, INC. Page 4 of 10 www.docmagic.com
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Current Rates
Hirngc of Balances or ~largin Added ANNUAL Daily Prriodic
Conditions to Index PEll.CE:\'TAGE RATE Kate.·
ALL BALANCES -.220% 3.280% 0.00899%
You agree that at Lender's option your mnrgin may incrcusc if one or more of the following e\'ents occurs:
(I) !Sy one quarter of one percent (. 25%) if you rl·ccivcd a discount for nutomatic payments as described in Sectil1n 11 a,1d such p:iyrnents nrc no longer nrn(k
automatic~lly
(2) By up I() one half <'f one rercent (.50%), if the occupancy stulus of the Property changes from owncHiccupicd 10 5ccm1d Imme, investment property, or other
non-owner occupied.
(3) By the amount described in an Amendment hereto (if any) iryou received a discount for an i11itial Advance but fail to maintain Che required bakincc as outlined
in thc Amendment.
(4) By one quarter of one percent (.15%), if you ree£'ived an employee dis.cou11t but cease to he an emp.loyce of Rank of America Corporation or one of its Allili11tes.
No increase in margin as descri~d above shall result in an ,\:'~lJ,\I, l'EHCE;\'T,\G[ RATE in c.,;ccss of the Maximum Interest Rate disclo~ed on the tir.~t page
of this Agreement or otherwise in excess of the nmximum interest rntc permitted by applicable law, Any increase in your margin (I) will ~ effecti\"C a~ of the rJ;11c
you censc to be eligible for 1he relaied discount and (2) mny result in an increase in your schedule□ minimum payment amount.
ll Umils. The Periodic Rate a11d the corresponding Ai'\'1\'liAI. PERCE;'\TAGE RATE on your Accou111 will increase or decrease as thi: Index increa~es or
decreases from time to time. There is no limit to the ammml by which thcANi\U,\L PERCENTAGE R,\TE can increase or decrease over a I-year period. Any
incrtasc in the Periodic Rate will take the form of higher payment amounts. Ad_iustments to the Periodic Rate and the corresponding ,\:\':'\I/Al. PEH.C.E;'l;T,\CE ll:ATE
resulting from changes in the Index wi!l ta.ke e!foct monthly. In no cvcn1 will the corresponding ,\NNUAI, Pl-:HCESTAGE RATE be more than the lesser (~r 2,1,000%
or the ma:dmum r;ilc allowed by applicable law.
Notwithstanding any other prnvision of this Agreement, we will rwt chmge in:erest on any 11ndishursed loan proceeds, except a~ may be permitted during any Kight
of R~:;cission period.
C. For110 H.utc Increases. If we forgo an 1\N1\'I IAL n:1tCE;'\'TAGE RATE increase. at the time of a later adjustment we may return to the full lndc.x v,~uc
plus rnnrg:n.
1,1, Closini: Costs. In addition to the 1-'Ji"'ANCE Cll,\ll.C ES which will be udded to your Credit Line each billing cycle. you will pay the following li:c~. including
rc,11 estate dosing and s.c.curi1y liling fees
Sec So:ction 15.G. for a discussion of the Early Closure Fee !hat may apply if you close your Account within thirty-six months of the date of this Agreement.
I~. O1hrr Churgeo,, You ugree lo pay the fees and charges listed below if the circums1ances triggering their assessment upply. TI1ese fees and charges \\ill be udder.I
to the Account balance and are payable ai set forth in this Agrci:ment
,\, l.111e Chnrgr: If we do nm receive the llmount of your minimum monthly payment in full within ten (10) days after your payment due dmc, you will pay
us a late charge equal to the greater of $29.00 or five percent (5%) of the unpaid portion of yrnir minimum monthly payment.
H. M.cl11rnl'd Piipnent CharJ!r: lfa check or any other i11strumcnt or payment method with which rnu have made a rayrnent on the Crc.di1 Linc is returned
to us lmp:iid for :iny reason. you will be c:harged a return paym,ml charge of $20.
C. Returned S11edal Conn-nien1:e Check, $'.20.
IJ. Annual l;ee: $0.
E. 1:ixrcl R:ile Lmm Option Co11wrsio11 Fee: $0,
F, Security lns!rumenl Dischal)!c Fee: As rx:rmiued by applicnblc law, I.ender mc1y request th.it .il the lime you payoff your Cred,t Line, you p,1y the Lc11dcr' s
cost to rcrnrd a discharge of the Security lmtruml'nl
G. Enrl)' Closure FCt": If )OU cl<isc your Account \\·ithin thirty-si:-. months of the date of this Agreement, thC'n Lender will require you to pay an Early Closure
Fe,;; consi~ting or {a) a bL1.se tee of up to $450 (to cover certain bona fide third p.irty ch,ngcs and other ch.irgcs paid or waived by Lender rather than assessed tu you
a1 closi11g, 1wmt: ponion of which may be considered a prcp.iymcnt penalty) and (b) the following udditio,rnl specilic closing costs if the Lender J)ilid SLJth cnsts on your
hchulf in lieu of assessing such cos1s under Section 14: any mortgage and government taxes, recording fees Md any closing agent or attorney fees. Early Cl Mure Fees
do not apply for loans secured by properly located in the Suite of Maryland.
IL (hwlimit Fee: If your oulStanding balance of Advances exceeds your Credi! Limit in any month, then Lender may assess an ovcrlfmit lt:c of$29. Nothing
cont:iinL'<l in this Agreement shall be deenied to authorize you to exceed your Credit Limit.
SANDRA WILL/995161241833570
BANK OF AMERICA EQUITY MAXIMIZER AGREEMENT AND DISCLOSURE STATEMENT DocMagic e.t=~c-;-;)<,U;
AGR.BDA 01129116 © 2014 DOCMAGIC. INC. Page 5 of 10 www. doc magic. com
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1(1, Hefllnd or Fees, Charges, and Costs. The terms of this 1\greement shall be co11strued to be co11si~tent with applicable law. However, if a court or competent
iurisdictifm or other qualified at1thority determines !hat the loan charges and fe~s describi:!<l in this At~eement exceed the limits that applicable law allows, the following
shall occur. Fi~st, any such purportedly excessive ch:irges or foes shall be reduced to the permiued amount. Second. ai1y amounts collected that e.>.:cced th~ p,!rmittl'd
amouni will be returned to you. either by dire.ct payment orb) reducing the principal you rrnc on your Account. Your receipt of a refund made hy direct pnym~nL
lO you or credited to ymir Account will constilute a waiver or any right of a~tion you may have arising out or overcharges or atlcgc<lly cxces~ivc loan cl:.arges or fei.:s
17. Pro11erty Insurance; Othrr Charge..,;. You agree to obtain property insurance against loss or damage to the rroperty. in the amounts. for the 1ime period .ind
against the risks tliat the Security lc1strurncnt and/or we require. You may obrnin insurance from an msurancc earner ofymir choice so long as thc insurance carrier
is acceptable to us. If y<iu fai1 to purchnse and maintain acceptable property insurance, we may purchase insurance for you or on your behalf l!nd at your expl'nse as
described in the Scn:rity Instrument We have no obligation to cbtilin such insurance. Should we take this ac{lon, the equity in the l'ropcrty cind contents thereof may
nm be proteckd as you Uesirc. Further, the cost of the insurance may ~igniticant\y exceed the cost of such insur,mce that you could have obtained; this cost will Ix
treated as an Advance.
18. ,\dditional Rights iind Remedies. In additilm to the rights described elsewhere in this Agree11ent and in the Security Instrument, we also huve the following
rights
A. Terminufion and Acceleration. We can terminate your Account nnd require you to pay us the entire outstanding Account balance under this Agreement
in one payment, am.I i.;harge you cermin fees, irony of the follow,ng occur: 1) You engage in fraud or mah: a n:ater i;.tl rnisrt:p1 e~entfl\ion (inch1dir1g but rnit lirnit.:d
to a representation about the occupancy of the Property) at any time in connection with your Account or any other acrnur11 with Lender 2) We do rmt ri:cdvc the
full amount ()fany Mirnrnum Pl!ymcnt due by its due date or vou foil to meet any of the other rcpaymcrt terms of1his Agreement: 3) Your aclion or inaction adversely
atlects the Propcrry nr Ol1r rights in it (for this purpose, the words "you," "your," and "yours" also refer to the nwnC'r of the Prnper1y, ifdiffere.n! thnn you) l~x:imples
of thcsc actions or ir.actions include, but arc not limited to: a) Your death, if you ore \he sole Borrower on the Account: or the di:aLh of all bLtt one Borrower, whid1
t1dvi:r~dy afft:cls uur securily; b) Illegal ust: of the Prnpt:rty. if such use subjects 1hc Propt:ny to ~t:iLmt:, L:) Yuu lransfor all or part of your inh:rc:.t in the Property
wi1hout our written consent; J.) All or part or the Property is taken by condemnation or eminent domain: e} Commi:ncemem of foreclosure or any senior lien on the
Property; t) Fafort: to maintain required insurance on the Property; g) Waste or destructive use of the Properly that adversely .affects our security: h) Faihirc to puy
ta:,;es or assessments on the- Property; i) Permitting the creaL\011 of a senior lien on the Properly'. j) Filing of a judg:nent against you, if the amount or the judgmc11t mid
cnllatcr::il suhjeet to the Judgment is such that otir security is adversely affected; nr k) you occupied the Property as your principal residence at the time of application
for your Account but you move out or the Property without notifying Lender
We may, at our option, take lesser action then those descnbed in this Section 18. Such lesser action muy i1~clude. without limitntion, s,1spending your Account
and not a!lowirg you to obtain Jny t"urther Advt:ncl!s, reducing your Crt:dit Limit, and/or changing the payment terms on your Account. lfwc take any such ac1ion,
this shall not constitute an election of remedies or a waiver of n11r right to exercise any rights or remedies under the remainder of this Section !8. \ht: remaining
provisions of 1;•iis Agreement, the Security Instrument, or at luw or in equity. We may take action under this Section on:y after complying with :rny nolicc or cure
provi~inns 1equircd und1;;r applicable law. In the event we ekct not to terminate the Accour:t ur t;.ikc .:my lesser a;;:tion as provided in this Section 18, \\e do not forfeit
or waive our righ1 to do so at a later 1m1e if any of the circumstances described above exists at tilat time.
B. Sus11e11sion or Redurtion. We ca11 refose to make additional Advances or redLtce your Credit Limit during any period of time in which any of the following
arc 111 ellt!cl' I) 1"11e value ()fthe Pmrerty declines significanlty ~low the value as determined by us 111 the time you applied for your Account. lhis includes. for
example. a decline such tl:a\ the initial dill'.:!rence between the Credit Limit and the available equity in the Property is rcduce>d by filly p;:rcent (50%) or more, und rnuy
incl Lide ii .smnlkr decli11e depending on i11dividual circumstances; 2) We reasonably believe you will not be able to meet the repayment requirements sci forth in this
Agreeme111 due to a material change in your nnancial circumstances; 3) You are in defaul! of a material obligation in this Agreement, including, without limitation,
your failing to make a Minimum Payment on u date that il is due or your failure to perform any ofyoLr Important Obligations li~!cd in Sccli1111 18.C hclow; 4)
Go,..ernment action prevents us from imposing the ANNll,\L PtRCEi\TAGE RATE provided for in this Agreement; 5) Government action impairs our security inlercsl
such that the val\lC of ot1r intaest is kss than 120 percent of your Credit Limit then in efle'ct: 6) A regulatory agency wbch ~urcrviscs us has no1itied us Ihm continued
Advances \\ould constitute on unsafe and unsound practice; 7) The ANNUAi, PEH.CE;\'TACE H.ATE under this Agreemenl rc.'.lches th~ Ma:-;irnum Interest Rut~
disclosed on page one or this Agreement. If we refuse to make additional Advances or reduce your Crt:<li\ Lirnil ur1Llt:1 this Scdio11 1813, withi11 lhrct: bL1Siness da)S
after tuk:ing such l!Ction <)r, if different, within such other period as muy be prescribed by Regulation Z under the Truth in Lemling Act, we will se1td you u writte>n notice
stating the renson for such action. If, for any reason, you believe your ability to obtain A<lvmicl!s or your Credit Limit should be reinstated, you must s1cnd us a writkn
reqm.•s1 for rcinsrntement and indude in the request the reasons why you believe your ability lo obtnin Arlvances nr your Credit Limit shm1\d he reinstatl!d
C. lmporhrnt Obligations. You ugree to perform each of the following Impor1ant Obligations:
A. You \\ill pay all of your existing and future debts to Lender under any existing m fu1u1e ngreement with Lemler and you wi!I pay all or your l:xisting
and futtirc deb1s to your other crednors as they becorr.e due und will not allow a creditor to obtain u judgrnen1 against you.
B You will not permit any person or entity to levy upon, attach, garnish or otherwise take any money, account or other pro;,erty deposited with Lender
or in Lender's possession thl'.t belongs to you
C From time 10 time, if requested, you will supply Lender with current financial information about you as described in Section 25 ofthi~ Agreement.
D You will not 1nah.e any materinl misrepresentation in connection with yoLJr Account, whetht"r in your upplicution. in thi3 Agreement. or in the Si:curity
lnstrurnenl, and you will not make any material misrepresentation in connection with any other account with Lender.
E. Ym1 will not pmctit a receiver, sequcstrator, liquidator, trustee. guardian, conservator or Olher _tudicial representatl\-e to be appointtd for you or any
of your property or for the Pro~rty.
f You \\'ill not use or allow use of the l'roperty for any illegal purpose that may ~ubject !he Property to seizlire
G. lftbe Property wos represented to be your principol residence al the time of your application for this Credit Line, you will :10\ move oLtt oftht: Prop.crty
withou1. notiryi11g the Lender th:\t the l'ropt:rly is no longer your pri11cip<1l residc,ncc. Further, you ugrcc thot if your occ·.1p<1ncy srntus ~hangcs rrom
the status as represented at the time or your appt1ca110n for this Credit Line, any such change is a failure to pertOrm an Important Obligation that p_!Tmits
Lender to suspend Advc1nccs or reduce your Credit Limit a:; appropriate to meet Lender's maximum loan-lo-value standards for 5uch occupancy stalus
H You will not file or :-ccord or permit 10 filed or recorded a lien. encumbrance er security instrument that takes priorily over the Security Instrument
for futtire ndvances made under this Agreement
You will nm foil to comply with any material obligation in this Agreement or in the Security lnstrt:mcnt such as your promise not to cxcc~d yollr Credit
Limit
.1. You will sign any addi1ional or corrective documents in connection with this Agreement ur the 1\ccou11t as des.cribed in Section 25 below
SANDRA WILL/995161241833570
BANK OF AMERICA EQUITY MAXIMIZER AGREEMENT AND DISCLOSURE STATEMENT 0ocMagic C;'=:.ic-,;~r:
AGR.BOA 01/29/16 © 2014 DOCMAGIC, INC. Page 6 of 10 www.docmagic.com
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19. Collrction Costs. If )'OU are rn default and we ci1hcr require you to pay us immediately in full or we otherwist;! incur costs in connection with the enfon.:emcnt
of your Account, we may rcqLlirc that y-0u pay our cn!lcction cosls and expenses to the extent not prohibited by Jaw. ft'we bring a lawsuit to collect, you will puy our
reasonahle attorneys' foes and court costs allowed hy applicable law and set by the court
20. Suspen.ion nr 'l'Nmlm1tion 1>,r \'ou. Each of you has the right, upon proper written notice to us. lo suspend the privilege of obtaining new Advances A request
to suspend the privilege of obtaining Advances, even if made only hy one or you, will be effective against all of you. Advances will be rcinstatcd upon our receipt
and acceptance of a written reinstatement reqL1cs1 signed by each of you, provided that no event(s) or condition(s) permitting a suspension of Advances under 1his
Agreement then exist. To do so. you must notify us in writing.
If one of you requests termination of the Account. the Accoun\ will be terminated for all of you. Al our option. we may release some of you fr(lm liability un<ler
thi<. Agreement and/or trnd.er applicablr l.1w without relea-.ing all or you
If you terminate your Account. you will have no further right to Advances under Lhis AgrL>ement, nnd you must notit)' us and return all Spe-cial Conve11iL'llCe
Cherb and uny olher m.:ces!) de\'icts. Any use of SpL-ci;:il Convenience Chcd.:s or other access devices following suspension or termination may be considered i'raud.
You will also remnin liable for any further use of the Special Convenience Checks or other Credit Linc access devices not returned to us.
21. Effect of Su~pcnsion of Your Areounl. !(your Account is suspended or terminated for any reason. you will nonetheless ;emain obligated to pay the Account
OOlance in accordance with the terms of this Agreement. Upon termination of your Account by either you or us, you must return to us all Checks. Credit Cards, or
other Account access devices given to you lfcither you or we terminate your Account. you will not be entitled toa refund of any Fl;\',\;\'CE 01,\H.GES. fees,
charges, paid or payable under the ,\ccount.
22. Changl' in Tcrm:<1. Atkr you open your Accou111, we may modify or amend the terms of lhis Agreement and/or the other loan documents pcrtmning to the
Accoum if any or the following conditions exist: 1) You consent in writing to our proposed modilication or amcndmem a1 that time; 2) The moditica1ion or amcndmem
unequirncally lxm:fits you throughout the remainder of the term or this Agreement: 3) The modifica1ion or amendment results only in an insignilicant change IO the
terms <1f this Agreemcnl and/or 1he other loan documents: 4) The modification or amendment im•o\ves the substitution of a new Index and margin. as provided in
Section 13 above. Any Account balance on the cll't-">Ctive date of m1y modification or amendment is subject to the modification or amendment.
23. Prep:1ymmt, You may prepay all or any amounts owing under this Credit Linc al any time without penalty. other than any Early Closure Fee a~ described i11
Section 15.G. However, \\'e will be cn1illed 10 receive all accrued H'i,\i'iCE CIIARGES mid any other uccrued fcc5 or charges.
24. Tiu Consequences You acknowledge that we (inc:luding (1ur cmployl>eS and represcntntives) have given you no assurances. represemauons or warranties that
tl1e •·1N,\NCE CHARGES and other fees nnd charges paid on your Account are tax deductible. You should consult your own lax advisor concerning the deductibility
of the J-'INA:\'CE CIIAKGES and other tees and charges for the Account.
25. Re,·iew of Your Acco1,mt. Upon our request, you will provide us with current financial and credit information and will sign any additional or corrective documents
in connection with this. Agreement or the Account At onr option, you will cilhcr furnish copies of your most recent income tax returns or provide us with a signl!d
IRS Form 4506-T authorizing the IRS to provide us a rellim mmscript. You authorize us to release information ahout you to our Affiliates or third parlit:s m, Licscribcd
in our pri1·aq' policy and our Fnir Credit Reporting Act notice or similar notices. provided you do not opt out of the applicable policy or as permitted by uppl1catilc
law. You also 11uthorizc us to obtain credit reports on you at any time, n: our sole option. and expense, for any reason, including but not limited 10 determining whcthl·r
then• has been an adverse ch:inge in your tinancial conditinn. We al.~o r.-rny from time to time obtain a new valuation of the Property tha! secures the Crt!dit Line at
uny time, including internal inspection, at our sole option and c.1:pcnsl.'.
26. lhe of the Ct·cdit Linl·. You may use your Credit Line subjccl to the following limitations:
,\. L~HI Tnm,.:Jrtion.~. Borrower agrees that [lorrower will only use the Credit Line t'or transactions thm ure legal where Borruwt:r resides For e.,amplc,
internet gambling transactions may be illegal in Borrower's state, Dispby by un on-line mcichan1 of either Lender's logo or a card company· s logo docs not m,~:111
that an internet transaction is legc1I where Borrower resides. Lender will not be liahle if Borrower en£agcs in an illegal transaction using the Credit Line.
H. A11thori,..i1lio11-.. Some transactions rcqt1irc Lender's prior m1thorizution. For security purpnses, Lender nrny t'rom lime to time place or change limits on
the number or amounts (lftransactions (including Advnnccs) Bormv.cr makes in ll dny at ATMs or poi111-of-sale terminals. Such limitations may not be the s:111w
at every ATM er point- of-sale tcrminJI. The limitutions plal'.cd on a "Bank of America ATM Card" or" !lank of America Check Cmd" when using ;111 ATM
or point-of-sale tcrmi:rnl may not be the same as the limiuninn) placed on un Accoum Access Card used at the same ATM ur poim-ol'-sak lermi;wl. E:-.n:pl as
otherwise muy be spccitkd by Lender, no SL!Ch limits iirc pluced Oil the number tir mnounts of transactions (mcludmg Advances) Her rower m:ikcs: at Lender's
banking centers, by wri1ing a Special Convenience Check, by conducting un ovcrdrall protectim, trnnsaction (subject to the ATM limits. above), or by lelcphMc.
In addi1ion, I.ender may deny authnrirnlion to any 111c1hrn.l 11f accessing the Credit Linc if the Credit Lrnc has been suspended or terminJted or if Lender suspects
fi-audulcnt m:tivity, and Lender shall not be li.iblc for uny foilurc to mtthorizc any transaction (including Advances) for :my oi'these reasons. However, Bnrrnwcr
is \iabk for ;:my transaction (including Advances) Lcndcr autlmri.:es even ii' Lender should not have authoriud it bccnusc Borrower is or would be in ddtlult under
this Agreement as ;i rc:sull of the transaction.
C No Scturity lnlcrc.~1 on l'urt:h11sc.-.. This Agreement does not grnnt Lender a security interest in purc/1ases Borrower charges to the Credit Line.
I). Trnnsnctioos Wilh Merch;rnts (a) lfn ml!rclunt discloses a policy such is "no returns", "no rel'ut1d", "no return or credit wilhout receipt". "as is", "store
credit only". or "all sales lhrnl". or similar language, !~mower will be bound by that pollcy when linrro\\'Cf uses the Credit Line to buy goods or services from that
merchant. (b) When using thl.! Credit Linc to make trlvcl or lodging reservations. Borrower must obtain the rnerch:mt' s cancellation policy and follow it if Borrower
cancels. If Borrower cancels, Borrower must obtain the canccllution number that the merchant is required to give Borrower. The merchant may charge Oorrowcr for
a cancelled 1ransactlon unless Borrower can provide Lender with a correct canccllution number. If Bm ruwc1 111akes reservations or purchases of ,my kind, such as
lodging reservation for several nigl1ts stay or a mail order purchase, the Credit Line may be immediately charged for the full amount of the reservation or pttrcl1ase.
reg;m:lless whelher Borrower has received the g(lods or services requested at the time the Credit Line is charged. (c) If Uorro\\'er authorizes a merchmll to charge the
Credit Linc for repc.it transnctions without the Account Access Card. then 13orrower must notify the mercliant when Borrower wants to discontinue the repeal
transactions or if the Credit Line is dosed or if n new Credit Une or Accrnmt Accc~s Card number is issued by Lender. Otherwise, Borrower will be responsihk tn
Lender for the amount of all such repeat trans:ictions. (d) lf&,rrowcr disagrnes with a transaction on Borrower's statement or has a dispute with a merchant :is a result
of a transaction. Borrower will pro•·idc I.ender with infonmititm or assistance Lender reasonably requests. Otherwise, Borrower will pay Lender for any resulting loss
Lender hns, unless I.ender is prohibited by applicable law from holding Borro1\Cr liable. l'or Lender's loss. (e) lf Borrower ma!,,:es a transac1iun in a cum:ncy olher
than U.S. dollars. Visa will convert the charge or credit into a lJ.S. dollar amount The conversion rate will be determmed using Visa currency conversion procedures
that are disclosed to insti1u1lons issuing Visa cards. The wnversion rate on the processing date may differ from the rate on the date of Borro1\er' s transaction
Currently. Vi.~a u~es II currency com·ersion rate of ei1her: ( 1) a rate selected by VISA from a range ot' rates available in the wholesale currency markelS 1(1r the
applicable central processing date, which rate may varr from the rate VISA itself receives or (2) the government mandated rate in effect for the central processing dJte
51\NDRA WILL/995161241833570
BANK OF AMERICA EQUITY MAXIMIZER AGREEMENT AND DISCLOSURE STATEMENT OocMagic e.=.:CT'~•U~
AGR.BOA 01/29/16 © 2014 DOCMAGIC, INC. Page 7 of 10 www.docmagic.com
US-0015463
US-0015463
Case 5:24-cr-00292-PCP Document 44-18 Filed 04/09/25 Page 9 of 14
ln e.1ch case, Visa usc-s the rate in ctkct one d,t)' hcfore the conwrsion d.itc. In the event Visa chooses to chnnge the currency comersion rate or the day on whid,
the currency conversion rate is determined. then trans~letions ml the Credit I.inc made in a forcign currency a11d processed alter the change wi!f rctlcct the change.
E. Stlcci11I Rule for ,\rcuunt ,\ccess Ciml l'urrhnses. If Borrower has a problem with the \juality of goods or servicc5 that Borrower purchased with :m
Account Access Card, and [iorrower hos tril.'d in good faith to cnrrcct the problem wi1h the merchunt Borrower may 1101 have to pay the remaining amount dt1c on
the goods or srrvices. Borrower has this protection only when the purchase price was more than $50 and the pLlrchase was made in Borrower's home state or within
I00 miles of Borrower's mailing address. (Ir Lender owns or operates the merchant, or rf Lender mailed Oorrower the advertisement for the property or services, .ill
purchases me covered rega1dkss of amount or location of purchase.).
F. Un·rdrlirl J•rotccti<rn and I.inked Account-.. If the Credit Linc Account is not blodcd, suspended or terminated, you may request that the Credit Linc
Account be set up to provide overdraft prott.>ction for an associa1cd Bank of America checking or Money Market Savings accou11t, subject to the terms and conditions
for such overdraft protection (including but not limited trl ;my minimum transfer amount and any let's fOr each such owrdrnf\ protection advance) as specified in the
applicible Deposit Agreement and Disclosures and/or Personal Schedule of Fees for such associated account, as amended from time to time. If the associated account
is closC"d or blocked, Overdrnft Protection will stop, If )OU requc51 that 1he Credit Linc be connected to or' linked' to a110ther Lender product, you understand and
agree that a user on the' linked' accoLmt can IT)ake a uansaction that exceeds the available balance on the' linked' accol!nl and cause an Advance to Ix.- m.idc. Alst),
i/'an ATM access card is given loa user or1 the· linked' account, 1/tat user when using the ATM aca-ss card may access the Credi! tine and obtain trn Ad\·,mce wi(hour
making 11 transaction directly on the' linked' tr.ccount. That user may or rnay no\ be a party obligated for this Agreement. Overdraft protection is not available in all
states or for all loan products.
c;, Skip l'nJmrnt Fraturr. At our di:;crctillll, frnm time to time we may offe1 a feature that will allow you to skip one or rnore payments on your Account.
Fli"iA8CE CHARGES will continue 10 accrue on the Account m the applicable Ai\'i'iUAt Pt:RCEi'•tl'AGE RAT[. At the er1d of the skip payment period, the
payment terms of this Agreemcnt will be reinstated autommically without further notice.
27. Rl'sern·tl.
28. ~li~ct'll:mNus. lfthis 1\gn--emcnt represents a renewal, modification, extension, substitution or consolidation of an obligation owed to u>, then you acknowll•dge
and agree that there are no claims, setoffs, avoidances, counterclaims or defenses <ir rights lo claims, sctoflS, avoidances, counterclaims or defenses to paymcrit or
enforcement of1ht: prior obligalion. If this Agreement is a renewal ofa prior note or agrecmcm wilh you, then it is 1he intent of the parties that the no1c or Agrt:t:mem
evidc11cing the original extension of credit not be extinguishL·d by the renewal unless required by applicable state law. Our records shall be evidence that this Agrcernc111
is a renewal,
You expressly consent and agree that in connection with the administration of this Agreement and your Accnunc including but not limited to m:itters relating to
default (including the failure to make a Minimum Payment by the due date), you will llcccpt calls regarding the udministr.:ition and collection of this Agreement :rnd
your Account at any n:sidencc;: or place of cmpJoymcrn mid 11t any telephone number un tile with the LemJcr, including lmt not lunited 10 cellular phones. ·1he calls
can be m1tomatically dialed ;;nd a recorded mt:ssage may be played. You agree such calls will not be "unsolicilei:I calls" for purposes of any federal, state or loco.I law,
You also agree that Lender may use elcctroniQ communications by e-mail, text messaging. or other electronic means, to the extent not prohibited by ~pplicablc law,
10 communicate with you about your account. To improvc cus.1omer service and security our calls with you may be recurded. You agree !hat monitoring or rccordi11g
ma)-' be done and th:it no additional notice to you or ndditional approval from you is needed.
You authorize us, our parent company, Bank of /\mcricll Corporation (or any successor company) arid [lank of /\mericu Corporation's ;:lliliatcs and subsidiari~s
(" Atliliilk'S"), to ;he e.xtcnt permitted by appllrnble law. to: (a) obtai11 other i11formmion deemed necessary concerning your credit experience and other in!'orrmnion
from credit reporting agencies, creditors, and any der:irtmcnt of motor vehicle or similar state agency, your employer (past, present and lllture) and other persons (and
all -::lllilks may release and/or \'Crit~· such iriformation to us at any time withollt notification to you or witlwut your consent,. and (b) share informntion with our
Af!\liates, c.xcept to the c:-.:tcnt that y(iu have opted 11ut of such sharing as provided in our l'rivricy Policy for consumers or :is otherwise limitrd by 3pplicribi<'. law
29. Entire IJnilrr.;CundinA This Agreement together with the Security lnwument constitutes the entire understanding and agrccment bc\\wen the partit·s ns to the
mcmers s::t forth in this Agre::mc11t and the Security Jnstrumcm and supcrccde all prior umlerstandmgs and correspondences, written or ornl, with rcspt'l:l to thi.; ~ut~i-:i.:t
hcrcoL
30. Delay in Enforcement. We r•~scrve the right to dcfCr or delay the diite certain changes .in: to occur without notice and without being liable for such d.:lay or
defmne11t. A court decr1:c for divorce or sep:1ration or no-court approved mutual agreement docs not affect. climin.!te or reduce uny person's liability for tht~ Agretintnt
or the t\ccOLmt bJlance ifwe ar<.:! not ii party t,i the decree or agreement.
JI. Go,·crning Law. This Agrecmcrit will b.: govi.:111cd by und im,;rprctcd in uccordancc with ti.."'Ucral l;iw und, to the extent not preempted by f'cdac1I iuw, by the
la\\S of tile State of CAL I FORNI A , without giving el1Cct to any choice of law or cornlict of luw provision or rule !hilt would cause
1he application of any laws 01hcr than federal law or the laws of such State: provided. however. that m111ters related to the exponation of inlerest (as defined hy fcdcrnl
la\\') will he governed by the l:1ws of the Stat~ of North Carol inn The credit 1ranrnctirn1 that is evidenced by this Agreement has been approved. made and funded.
a11d a!I credit documents have been :icccptcd by Lcnd.:r, in the State of North Cnrolina. All Ad"unccs are made and will be made from the State of North Cllrollm:1,
unless th<:: Lender elects otherwise
J:Z. Sl'wr·ahility. If any portion of this Agn.:ement conllicts wnh. contradicts or 01herw1se controverts applicable tCderal, state. 1ribal. or local law, then \(1 the extent
possible such portion shall be construed as being consistent with such applicable law, and i'urther will be deemed changed to the extent necessary to accomplish 1his
end, If any such contlicting ~lr contradicting fmrtion of this Agreemen! cannot be so construed or changed. it will be deemed severed from this Agreement and will
not nffcct other provisicms of this AgrL>cmcnt, which shall be given full ctlCct without regard to the con11ic11ng or contradicting portions.
3J. lrrri:ulur l'a)mcnts. We may accept late p11ymc11ts, p.i.rtial payments, and items marked "pa)mcnt in full" even if they arc not full payments, without losing
any or our rights under this. Agreement, arid you will remain obligated to pay amounts owed under this Agreement. All written communications concerning disputed
amoums including nny checks or other instruments thai indicate a payment constitutes "payment in full" of the amount owed or th:it is tendered with ot11er conditions
or iimitations as full satisfaction of a disputed amount must be mailed or delivered to us at the address shown on your periodic stmement.
.lJ \\'iiinr llf ,'\;ntil't'. S11~jt-r1 to npplicnhle law, you waive pr~sentmen1 for paymt'nl. demand, protest, an/1 nn1ic1• of di<:honor. nntirf" ofaccderation. nn1iec of intent
to accderak, and notice of nonpayment
35. Scndini: or Nolie~. Exccp1 as 01herwisc provided in this Agreement, all notice~ must 1x in writing. Notice to any of you shall be deemed notice to all of you.
Any Dilling Statement or notice to you under this AgrL-cment will be Slltlkiently given 1f sent to your address on file in connection with the Account or to a new address
of which you have notified us in writing at lc:ist twenty calendar days before the sending of the Billing Statement or notice. Any notice tha1 you give to us must b.·
pr<ividt"d to us at the address- listed on 1he 1irs1 page or this Agreement, or a different address if you are notilied of the same
SANDRA WILL/995161241833570
BANK OF AMERICA EQUITY MAXIMIZER AGREEMENT ANO DISCLOSURE STATEMENT OocM;,gic e.=1r·:··:•::.:;
AGR.BOA 01/29/16 ©2014 DOCMAGIC, INC. Page 8 ol 10 www.docmagic.com
US-0015464
US-0015464
Case 5:24-cr-00292-PCP Document 44-18 Filed 04/09/25 Page 10 of 14
3(1. Trnnsrl'r amt Assignment. We may transfer or assign this Agrecmem, the Security Ins(rumem and any other !Dan document n:laling tu the Act1)unt lo m1y person
or entity without notice to you. You may not transfer, assign or delegate y-0ur duties under this Agreement or the Security !nstrume:11. Subjcc1 to aprlicablc law thi~
Agreement is binding on you, your successors, heirs and personal and legal rcprescnl<liives,
37, Ass110111tion, This Account is not assumable. This means that someone buying the Property may not take 0ve, this Account as his/her mv11 obligation on thi.:
terms of this A&reement or on any other terms
38. Right of Sl'toff. To :he e:-.:tent allowed by applicable law, we have the right to setoff if you are in default under this Agreement. Having the right of setoff means
1hal we may. but do 11ot have to, apply any balance you owe 10 us agamst any of your deposits und accounts or sccuriti..::s now or hereafter in our possession or in the
possession of any Hank of America artilime or subsidiary.
39. C:1ption IIC':1din!,?S. Captioit headings are for corwemence purposes only and are not to he 11~ed tn interpret or detine the provisions of this Agreement.
Acknowled!!menl. Yoll understand and agree to the terms .ind conditions of this Agreement. 13y signing this Agreement, you .:ck now ledge that you have read this
Agreement. Ym1 also acknowledge receir1 of~ cnmple1ed cory nf this Agreement. including the Fair Credit Billing Notice and the early home equily line of credit
arplication disclosure. in addition to the handbook entitled Whal You Should Knol1' Abo111 Home Equiry Lines of Credit provided to you at applic~tion.
WITNESS: ACCEPTED AND AGREED TO:
~ it/a!
fkirrowcr SANDRA WI LL Borrower
1Ja1e Borrower Dmc
Borrower D;i.te Borrower Date
PAYTOTHEORDEROF
WITHoUT RECOURSE
BANK OF AMERICA, N.A.
BY:~e
Al;;:;bk.;;;;;
SA~DRA WILL/995161241833570
BANK OF AMERICA EQUITY MAXIMIZER AGREEMENT AND DISCLOSURE STATEMENT DocMagic e.~J:1-:-,,:-D,
AGR.BOA 01/29/16 © 2014 DOCMAGIC, INC. Page 9 of 10 www.docmagic.com
US-0015465
US-0015465
Case 5:24-cr-00292-PCP Document 44-18 Filed 04/09/25 Page 11 of 14
BILLING ERROR RIGHTS
YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE
This no1icc contains important information nbout your rights and om rl'sponsibilitics under the Fair Credit r@ing ,\c1.
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL
If you think your bill is wrong, or if you nceli more information about a transaction on your bill, write us on a separate sheet at the address listed \lll your bill. Wrilc
to us :is soon as rossible, We must hear from you no later thrtn sh:ty (60) days after we sent you the tirst bill on which the crrnr or problem appeared. You can
telephone us. but doing so will nnl preserve yc,ur rights.
ln your lcncr give us the following inform.itio11:
YGur name and account number;
The doll;u ammmt of the ,uspec1ed error;
Dt:::;cdbt the crror and explain, if you can, why you believe there was ,rn error. If you m.-cd more information. describe the itc1n you tl1ink is wrm1g.
YOUR RIGHTS AND RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE
We must acknowledge your leller within thirty (30) duys, unless we have corrected the error by then. Within ninety (90) days, we must either correct the error or
explain why we believe the bill is correct.
Alter we receive your letter, \\C cannot try and collect any amount you question. or report you as delinquent. We can con1inuc to bill )"flU tOr the amount in ,1ucstion,
including Fl,",\,"CE Cll,\RG[S, and we Clln apply any unpaid amount against your Credit Unc. You do not have to pay a1ly questioned amount while we arc
inn•stlgating, but you are still obligou:d to pay the parts of your bill that are not in question.
lfwe find we made a mistake on your bilL you will nol have to pay Fl:\'A:\'CE CHARGES related to :my qucstioneJ amount lfwe didn't make ll misrnke, you m~y
have to pay Fl:\'A:\'CE ClURGES, and yo4 will have to make up any missed payments on the questioned amount. In eitl,ercase, we will send ynu a statement of
the amount you owe and the date on which it is Jue.
If you fail to pay us the amount that we think you owe, we mily report you as delinquent. llowever, if our explanation cloes not satisfy you und you write to us within
ten ( 10) days telling us that you still rellisc to pay, we wilt tell anyone we report you 10 that you have a question about your biil. And, we must tell you the name llf
anyone we reported you to. We must tell anyone that we report you 10 tbat the matter has been settled between us when it finally is.
lfwc do t1ot follow these rules, we can't colkct the first $50 of the questioned amount. even if your bill is correct.
SANDRA WILL/995161241833570
BANK OF AMERICA EQUITY MAXIMIZER AGREEMENT ANO DISCLOSURE STATEMENT DocMagic C.!:~r,'1..\
AGR.BOA 01129116 © 2014 OOCMAGIC, INC. Page 10 of 10 www.docmagic.com
US-0015466
US-0015466
Case 5:24-cr-00292-PCP Document 44-18 Filed 04/09/25 Page 12 of 14
HELOC AGREEMENT RIDER -
VARIABLE INTRODUCTORY RATE
This Rider is made part of and modifies the Bank of America Equity l'vfoximizer Agreement and Disclosure
Statement ("Agreement") signed by you today. All capitalized terms used in this Rider have the same
meaning as in the Agreement.
Notwithstanding anything to the contrary stated in the Agreement, until the billing cycle end date
immediately following JULY 21, 2017 ("Introductory Periodu}, the daily periodic rate
and ANNUAL PERCENTAGE RATE ("APR") for Eligible Balances (as defined below) on your account
will be determined as described in the Agreement, except that we will apply a discounted margin or
-1. 26 0 percentage points to the Index.
The balances that will accrue interest at the Introductory Period ANNUAL PERCENTAGE RATE are those
balances/transfers taken on or before JULY 21, 201 7 ("Eligible Balances"). All other
balances not def:med 11 Eligible Balances" will accrue interest as described in Section 13 of the Agreement.
Based on this discounted margin, as of JULY 21, 2016 , the initial variable daily
periodic rate is O. 00613% muJ tht= initial variable ANNUAL PERCENTAGE RATE is
2. 24 0 % for Eligible Balances during 1he Introductory Period. This variable introductory rate
is subject tc changes in the Index, which may result in increases or decreases in the variable introductory
ANNUAL PERCENTAGE RATE and the minimum monthly payment amount.
Beginning in thf: first complete billing cycle following JULY 21, 201 7 , the daily
periodic rate and ANNUAL PERCENTAGE RATE for all balances will be determined as described in
Section 13 of the Agreement.
The Introductory Period ANNUAL PERCENTAGE RATE does not change your maximum ANNUAL
PERCENTAGE RATE, which remains equal to the rate disclosed in the Agreement. As stated in the
Agreement, we may apply principal paymenls using our standard payment application methodology, which
may change from time to time. For example, we may choose to apply your principal payments to balances
(including transactions made after your last statement) with lower APRs before balances with higher i\PRs.
In that example, until the balances with lower APRs are paid off, your principal payments will not be applied
to pay down balances with higher APRs.
Notwithstanding anything to the contrary stated in the Agreement 1 any other marnin discounts for which you
may be eligible cannot be combined with the Introductory Period APR for Engiblc Balances during the
Introductory Period. Except for the circumstances described in the prior sentence, any such applicable margin
discounts will be applied as stated in Section 13 of the Agreement.
Borrower Date Borrower Date
Borrower Date Borrower Date
SANDRA WILL/9$5161241833570
HELOC AGREEMEcNT RIDER· VARIABLE INTRODUCTORY RATE DocMaglc e,:::!.:n.~;_:;,
HARVR.BOA 08106115 www.docmagk:.com
11111111111111111111i11 11111 m11111111111111mm illl 11111111111111m 11111111 ill 1111 ~I
US-0015467
US-0015467
Case 5:24-cr-00292-PCP Document 44-18 Filed 04/09/25 Page 13 of 14
AMENDMENT TO BANK OF AMERICA
EQUITY MAXIMIZER® AGREEMENT
AND DISCLOSURE STATEMENT
Loan Number: 6 824 9 03 8711799
Property Serving as Security (the "Property"): 3 06 LOS GATOS ALMADEN RD. , LOS
GATOS, CALIFORNIA 95032
Borrower's Name and Address: SANDRA WILL, 3 06 LOS GATOS ALM.II.DEN :l.D. , i.,OS
GATOS, CALIFORNIA 95032
This Amendment (the "Amendment") i.s made and entered into as of JULY 21, 2016
by SANDRA WILL
(the "Burrower")
and BANK OF AMERICA, N. A., a national banking association (the "Bank") to modify and amend that certain Bank
of America Equity Maximizer® Agreement and Disclosure Statement (the "Agreement") of even date between
Borrower and Lender.
The Agn:emenl is hereby ameruJt:U as follow5:
I. Section 13 as set forth in the Agreement is modified by substituting the following text for the final portion of
Section 13.A:
You agree that al Lender's option your margin may increase if one or more of the following events occurs:
(I J By one quarter of one percent (.25%) if you received a discount for automatic payments as described in
Section I 1 and such payments are no longer made automatically.
(2) By up to one half of one percent (.50%), if the occupancy status or lhe Property changes from
owner-occupied to second home, investment property. or other nan-owner occupied.
(3) By up 10 1 . 0 0 0 %, if you received a discount for an initial Advance of at !cast
$ 10 0, 0 0 0 . 0 0 but fail to maintain a balance on your Account of at least
$ 10 0, 0 0 0 . 0 0 for al least the first three full consecutive billing cycles (except to the extent
any reduction in the balance is attributable to required principal payments).
(4) By one quarter of one percent (.25%), if you received an employee discount but cease to be an employee
of Bank of America Corporation or one of its Affiliates.
No increase in margin as described above shall result in an ANNUAL PERCENTAGE RATE in excess
of the Maximum Interest Rate disclosed on the first page of this Agreement or otherwise in excess of the
maximum interest rate permitted by applicable law. Any increase in your margin (I) will be effective as or lht:
date you cease to be eligible for the related discount and (2) may result in an increase in your scheduled
minimum payment amount.
SANDRA WILL/995161241833570
AMENDMENT TO BANK OF AMERICA EQUITY MAXIMIZER® DocMagic e;;;'.itn:;.r«e:
AGREEMENT AND DISCLOSURE STATEMENT www.docmagic.com
HAGRAMD.BOA 06/18115 Page 1 of 2
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US-0015468
US-0015468
Case 5:24-cr-00292-PCP Document 44-18 Filed 04/09/25 Page 14 of 14
2. Except as modified and amended hereby, the terms of the Agreement shall remain in full force and effect.
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Borrower SANDRA WILL Borrower Date
BorrO\ver Date Borrower Date
Borrower Date Borrower Date
SANDRA WILL/~95161241833570
AMENDMENT TD BANK OF AMERICA EQUITY MAXIMIZER® DocMagir; e,~~rl!.v~;
AGREEMENT ANO DISCLOSURE STATEMENT www.docmsgic.com
HAGRAMD.BOA 061\BI15 Page 2 of 2
US-0015469
US-0015469
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