Exhibit B, Deed of Trust — Case 5:24-cr-00292-PCP, Document 44-2
Summary
This is Exhibit B, a deed of trust dated January 24, 2018, with Sandra Will as Trustor and Borrower and BANK OF AMERICA, N.A. as Lender. It names ReconTrust Company as Trustee and MERS as the beneficiary, acting solely as nominee for the Lender and its successors. The Note is defined as a promissory note signed by the Borrower and dated January 24, 2018, stating that the Borrower owes the Lender One Million And 00 100 Dollars plus interest. The document continues through the standard covenants of a California deed of trust and ends with a notary acknowledgment.
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
Cite this document
“Exhibit B, Deed of Trust — Case 5:24-cr-00292-PCP, Document 44-2.”
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Case 5:24-cr-00292-PCP Document 44-2 Filed 04/09/25 Page 1 of 15
EXHIBIT B
Case 5:24-cr-00292-PCP Document 44-2 Filed 04/09/25 Page 2 of 15
Recording Requested By I
Return To:
B.i\NK OF AMERICA, N.A.
4500 Am.on Carter Blvd., Doc
Froo TX2-979-01-l9
E't. Worth. TX76155
Prepared By:
Angela James
BANK OF AMERICA, N,A.
2 0 0 0 CLAYTON RD
Concord, CA 94520
888 211-0963
!Space Abo. e Tbis Line For Reeor<ling Datoj
1
DEED OF TRUST
WILL
Doc JD#: xxxxxxxxx661
MIN:100015102787966615
MERS Phone: 1-888-679-6377
PlN: 527-46-002
Es\!row/Closing #-: 23220779
Trustor/Borrower:
SANDRA WILL
306 LOS GATOS AI.MADEN RD, LOS GATOS, CA 95032
Property Address: 306 Los Gatos Almaden d, Los Gatos, CA 95032-4006
DEFINITIONS
Words used in multiple sections of this document ar defined below and other words are defined in Sections 3, 11, 13, l&,
20 and 21. Certain rules regarding the usage of wort used in this document are also provided in Section 16.
(A) "Security Instrument" means this document, hich is dated January 24, 2018, together with all Riders to this
document.
(B) "Borrower" is Sandra Will. Borrower is thj> trustor under this Security Instrument.
(C) "Lender" is BANK Oil' l\MERICA 1 N .A .. L~nder is a National Association organized and existing under
the laws ofTllE UNITED STATES. Lender's dress is 101 South Tryon Street, Charlotta, NC
28255.
(D) "Trustee" is ReconTrust Company, N.
(E) "MERS" is Mo1tgage Electronic Registration ystems, Inc. MERS is a separate corporation that is acting solely as a
nominee for Lender and Lender's successors and a signs. MERS is the beneficiary under this Security Instrument,
MERS is organized and existing under the laws of elaware, and bas an address and telephone number of P.O. BoK 2026,
Flint, Ml 48501-2026, tel. (888) 679-MERS.
(F) "Note" means the promissory note signed by Borrower and dated January 24, 2018. The Note states that
Borrower owes Lender Ona Million And 00 100 Dollars (U.S. $1, ooo, 000. 00) plus interest. Borrower has
promised to pay this debt in regular Periodic Payme ts and to pay the debt in full not later than February l , 204 8.
(G) "Property" means the property that is describe below under the heading "Transfer of Rights in the Property."
(H) "Loan" means tile debt evidenced by the Note,j plus interest, any prepayment charges and late charges due under the
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Doc ID#:xxxxxxxxx:661
Note, and all sums due under this Security Instrume It, plus interest.
(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be
executed by Borrower [check box as applicable]: ti;
0 Adjustable Rate Rider • D Condominiu Rider D Second Horne Rider
D Balloon Rider D Planned Unit Development Rider □ Biweekly Payment Rider
□ 1-4 Family Rider □ 0ther(s) (specify]
(J) "Applicable Law" means all controlling appf'cable federal, state and local statutes, regulations, ordinances and
administrative rules and orders (that have the ef ct of law) as well as all applicable final, non•appealable judicial
opinions.
(K) "Community Association Dues, Fees, and A sessments" means all dues, fees, assessments and other charges that
are imposed on Borrower or the Propert:y by a cond~iniurn association, homeowners association or similar organization.
(L) "Electronic Funds Transfer" means any tra sfer of funds, other than a transaction originated by check, draft, or
similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic
tape so as to order, instruct, or authorize a fmancial institution to debit or credit an account. Such term includes, but is not
limited to, point-of-sale transfers, automated teller lnachine transactions, transfers initiated by telephone, wire transfers,
and automated clearinghouse transfers. j
(M) "Escrow Items" means those items that are de,cribed in Section 3.
(N} "Miscellaneous Proceeds" means any cornpe!sation, settlement, award of damages, or proceeds paid by any third
party (other than insurance proceeds paid under the overages described in Section 5) for; (l) damage to, or destruction of,
the Property; (ii) condemnation or other taking of al or any part ofthe Property; (iii) conveyance in lieu of condemnation;
or (iv) misrepresentations of, or omissions as to, the ue and/or condition of the Propert:y.
(0) "Mortgage Insurance" means insurance prot ting Lender against the nonpayment of, or default on, the Loan.
(P) "Periodic Payment" means the regularly sche led amount due for (i) principal and interest under the Note, plus (ii)
any amounts under Section 3 of this Security Instr ent.
(Q) "RESPA" means the Real Estate Settlemen Procedures Act (12 U.S.C. §2601 et seq.) and its implementing
regulation, Regulation X (12 C.F.R. Part 1024), they might be amended from time to time, or any additional or
successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA"
refers to all requirements and restrictions that are mposed in regard to a "federally related mortgage loan" even if the
Loan does not qualify as a "federally related mortga e loan" under RESPA.
(R) "Successor in Interest of Borrower" means apy party that has taken title to the Property, whether or not that party
has assumed Borrower's obligations under the Note 1111d/or this Security Instrument.
j
TRANSFER OF RIGHTS IN THE PROPERTY
The beneficiary ofthls Security Instrument is MER (solely as nominee for Lendei.. and Lender's successors and assigns)
and the successors and assigns of MBRS. This Sec rity Instrument secures to Lender: (i) the repayment of the Loan, and
all renewals, extensions and modifications of the N te; and (ii) the performance of Borrower's covenants and agreements
under this Security Instrument and the Note. Fort is purpose, Borrower irrevocably grants and conveys to Trustee, in
trust, with power of sale, the following described pr perty located in the COUNTY of Santa Clara:
:rhe following described property:
S1tuated in the City of Los Gatos, County of Santa Clara and State of Ca1~fornia~
All of Lot 7, shown upon that cert in map ent:itled, uT.;cact No. :2978, Cameo Park,"
which map was filed for record i the Office of the Recorder of the County of
Santa Clara, State of California, on Fel:>ruary 21, 1962 in Book 143 of maps, at
CALIFORNJA••Single Family-Fannie Mae/Freddie M•• UN FORM INSTRUMENT Form 3005 l/0 I
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Case 5:24-cr-00292-PCP Document 44-2 Filed 04/09/25 Page 4 of 15
D-OolD#:xxxxxxxxx.661
pages 16 and 17, excepting therefrom the underground water, no r~ghts of surface
entry as granted in the deed from,Leep homes, a corporation, to San Jose Water
Works, a
California corporation, dated Marlh 5, 1962 and recorded March 12, 1962 in Book
5197 Official Records, Page 546,
Assessor's Parcel No: 527-46-002 .
which currently has the addressof306 Los Gatps Almaden Rd, Los Gatos, CA 95032-4006 ("Property
Address"): I
. I
TOGETHER WITH all the improvemefts now or hereafter erected on the property, and all easements,
appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered
by this Security Instrument. All of the foregoing i referred to in this Security Instrument as the "Property," Borrower
understands and agrees that MERS holds only legaj title to the interests granted by Borrower in this Security Instrument,
but, if necessary to comply with law or custom, M RS (as nominee for Lender and Lender's successors and assigns) has
the right: to exercise any or all of those interests, in luding, but not limited to, the right to foreclose and sell the PropertY;
and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument
BORROWER COVENANTS that Borrow r is lawfully seised of the estate hereby conveyed and has the right to
grant and convey the Property and that the Prop , is unencumbered, except for encumbrances of record. Borrower
warrants and will defend generally the title to the PrpeflY against all claims and demands, subject to any encumbrances
of record.
1
THIS SECURITY INSTRUMENT combi es uniform covenants for national use and non-uniform covenants
with limited variations by jurisdiction to constitute uniform security instrument covering real propeflY,
UNIFORM COVENANTS. Borrower and ender covenant and agree as follows:
1. Payment of Principal, Interest, Escro Items, Prepayment Charges, and Late Charges, Borrower shall
pay when due the principal of, and interest on, th debt evidenced by the Note and any prepayment charges and late
charges due under the Note, Borrower shall also pa funds for Escrow Items pursuant to Section :L Payments due under
the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received
by Lender as payment under the Note or this Securtty Instrument is returned to Lender unpaid, Lender may require that
any or all subsequent payments due under the Note End this Security Instrument be made in one or more of the following
forms, as selected by Lender: (a) cash; (b) mone~y order; (c) certified check, bank check, treasurer's check or cashier's
check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency,
instrumentality, or entity; or (d) Electronic Funds sfer.
Payments are deemed received by Lender I hen received at the location designated in the Note or at stmh other
location as may be designated by Lender in accord*nce with the notice provisions in Section 15. Lender may return any
payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may
accept any payment or partial payment insufficient Ito bring the Loan current, without waiver of any rights hereunder or
prejudice to its rights to refuse such payment or pai!tlal payments in the future, but Lender is not ohligated to apply such
payments at the time such payments are accepted, lf each Periodic Payment is applied as of its scheduled due date, then
Lender need not pay interest on unapplied funds, Linder may hold such unapplied funds until Borrower makes payment
to bring the Loan current. If Borrower does not do o within a reasonable period of time, Lender shall either apply such
ftmds or return them to Borrower. If not applied e lier, such funds will be applied to the outstanding principal balance
under the Note immediately prior to foreclosure, ¥0 offset or claim which Borrower might have now or in the future
against Lender shall relieve Borrower from mak1ng payments due under the Note and this Security Instrument or
performing the covenants and agreements secured by this Security Instrument
CALIFORNIA-Single Family-Fannie Mae/Freddie Mac U
IFORM INSTRUMENT Form 3005 1/0 I
CM.,:rFCRNIA DEED OE' TR.US'.r (S:COOT'. CA )
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Z. Application of Payments or Procee s. Except as otherwise described in this Section 2, all payments
accepted and applled by Lender shall be applied i the following order of priority: (a) interest due under the Note; (b)
principal due under the Note; (c) amounts due undei- Section 3. Such payments shall be applied to each Periodic Payment
in the order in which it became due. Any remainintamounts shall be applied first to late charges, second lo any other
amounts due under this Security Instrument, and the to reduce the principal balance of the Note.
If Lender receives a payment from Borro, er for a delinquent Periodic Payment which includes a sufficient
amount to pay any late charge due, the payment mfY be applied to the delinquent payment and the late charge. If more
than one Periodic Payment is outstanding, Lender Tay apply any payment received from Borrower to the repayment of
the Periodic Payments if, and to the extent that, each: payment can be paid in ti.ill. To the extent that any excess exists after
the payment is applied to the full payment of one br more Periodic Payments, such excess may be applled to any late
charges due. Voluntary prepayments shall be applie first to any prepayment charges and then as described in the Note.
Any application of payments, insurance p oceeds, or Miscellaneous Proceeds to principal due under the Note
shall not extend or postpone the due date, or change he amount, of the Periodic Payments.
3. Funds for Escrow Items. Bon-ewer sha I pay to Lender on the day Periodic Payments are due under the Note,
until the Note is paid in full, a sum (the "Funds") t. provide for payment of amounts due for; (a) taxes and assessments
and other items which can attain priority over thi Security Instrument as a lien or encumbrance on the Prope1ty; (b)
leasehold payments or ground rents on the Propert I, if any; (c) premiums for any and all insurance required by Lender
under Section 5; and (d) Mortgage Insurance premiums, 1 if any, or any sums payable by Borrower to Lender in lieu of the
payment of Mortgage Insurance premiums in accbrdance with the provisions of Section I0. These items are called
"Escrow Items." At origination or at any time dhring the term of the Loan, Lender may require that Community
Association Dues, Fees, and Assessments, if any, b~escrowed by Borrower, and such dues, fees and assessments shall be
an Escrow Item. Borrower shall promptly furnish to ender all notices of amounts to be paid under this Section. Borrower
shall pay Lender the Funds for Escrow Items unles Lender waives Borrower's obligation to pay the Funds for any or all
Escrow ltems. Lender may waive Borrower's oblig tion to pay to Lender Funds for any or all Escrow Items at any time.
Any such waiver may only be in writing. In the e~ent of such waiver, Borrower shall pay directly, when and where
payable, the amouuts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender
requires, shall furnish to Lender receipts evidenc ng such payment within such time period as Lender may require.
Borrower's obligation to make such payments and provide receipts shall for all purposes be deemed to be a covenant
and agreement contained in this Security Instrum t, as the phnise "covenant and agreement" is used in Section 9. If
1
Borrower is obligated to pay Escrow Items directly, , ursuant to a waiver, and BQrrower fails to pay the amount due for an
Escrow Item, Lender may exercise its rights under ection 9 and pay such amount and Borrower shall then be obligated
under Section 9 to repay to Lender any such amoun . Lender may revoke the waiver as to any or all Escrow Items at any
time by a notice given in accordance with Section 1~ and, upon such revocation, Borrower shall pay to Lender all Funds,
and in such amounts, that are then required under this Section 3.
Lender may, at any time, collect and hold unds in an amount (a) sufficient to pennit Lender to apply the Funds
at the time specified under RESP A, and (b) not t exceed the maximum amount a lender can require under RESP A.
Lender shall estimate the amount of Funds due on he basis of current data and reasonable estimates of expenditures of
future Escrow Items or otherwise in accordance wi Applicable Law.
The Funds shall be held in an institution hose deposits are insured by a federal agency, instrumentality, or
entity {including Lender, if Lender is an institutio whDse deposits are so insured) or in any Federal Home Loan Bank.
Lender shall apply the Funds to pay the Escrow I ms no later than the time specified under RESPA. Lender shall not
charge Borrower for holding and applying the F ds, annually analyzing the escrow account, or verifying the Escrow
Items, unless Lender pays Borrower interest on the Funds and Applicable Law pennits Lender to make such a charge.
1
Unless an agreement is made in writing or Applic~le Law requires interest to be paid on the Funds, Lender shall not be
required to pay Borrower any interest or earnings o the Funds. Borrower and Lender can agree in writQ>g, however, that
interest shall be paid on the Funds. Lender shall gi e to Borrower, without charge, an annual accounting of the Funds as
required by RESPA.
If there is a surplus of Funds held ir escro I, as defined under RESPA, Lender shall account to Borrower for the
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Case 5:24-cr-00292-PCP Document 44-2 Filed 04/09/25 Page 6 of 15
excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender
shall notify Borrower as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the
shortage in accordance with RESPA, but in no mol..than 12 monthly payments. If there is a deficiency of Funds held in
escrow, as defined under RESPA, Lender shall noti11 Borrower as required by RESPA, and Borrower shall pay to Lender
the amount necessary to n:ake up the deficiency in accordance with RESP A, but in no more than 12 monthly payments.
Upon payment in full of all sums secured tjy this Security Instrument, Lender shall promptly refund to Borrower
any Funds held by Lender. :
4. Charges; Liens. Borrower shall pay allitaxes, assessments, charges, fines, and impositions attributable to the
Property which can attain priority over this Securi Instrument, leasehold payments or ground rents on the Property, if
any, and Community Association Dues, Fees, and ssessments, if any. To the extent that these items are Escrow Items,
Borrower shall pay them in the manner provided in ection 3.
Borrnwer shall promptly discharge any lie which has priority over Ibis Security Instrument unless Borrower: (a)
agrees in writing to the payment of the obligation s cured by the lien in a manner acceptable to Lender, but only so long
as Borrower is perfonning such agreement; (b) co tests the lien in good faith by, or defends against enforcement of the
lien in, legal proeeeding~ which in Lender's op nion operate to prevent the enforcement of the lien while those
proceedings are pending, but only until such proc edings are concluded; or (c) secures from the holder of the lien an
agreement satisfactory to Lender subordinating the !en to this Security Instrument. If Lender determines that any part of
the Property is subject to a lien which can attain , riorlty over this Security Instrument, Lender may give Borrower a
notice identifying the lien. Within !0 days of the da on which that notice is given, Borrower shall satisfy the lien or take
one or more of the actions set forth above in this Se ion 4.
Lender may require Borrower to pay a on time charge for a real estate tax verification and/or reporting service
used by Lender in connection with this Loan.
5. Property Insurance. Borrower shall ke the improvements now existing or hereafter erected on the Property
insured against loss by fire, hazards included wilhi • the term "extended coverage," and any other hazards including, but
not limited to, earthquakes and floods, for which ~nder requires insurance. This insurance shall be maintained in the
amounts (including deductible levels) and for the eriods that Lender requires. What Lender requires pursuant to the
preceding sentences can change during the term f the Loan. The insurance carrier providing the insurance shall be
chosen by Borrower subject to Lender's right to isapprove Borrower's choice, which right shall not be exercised
unreasonably, Lender may require Borrower to pay in connection with this Loan, either. {a) a one-time charge for flood
zone determination, certification and tracking services; or {b) a one-time charge for flood zone detennination and
certification services and subsequent charges eac~ time remappings or similar changes occur which reasonably might
affect such detennination or certification. BorrowJshall also be responsible for the payment of any fees imposed hy the
Federal Emergency Management Agency in conne ion with the review of any flood zone determination resulting from an
objection by Borrower.
If Borrower falls to maintain any of the c ,verages described above, Lender may obtain insurance coverage, at
Lender's option and Borrower's expense. Lender \S under no obllgation to purchase any particular type or amount of
coverage. Therefore, such coverage shall cover Lenaer, but might or might not protect Borrower, Borrower's equity in the
I
Property, or the contents of the Property, against an risk, hazard or liability and might provide greater or lesser coverage
than was previously in effect. Borrower ackno ledges that the cost of the insuraMe coverage so obtained might
significantly exceed the cost of insurance that Bo ower could have obtained. Any amounts disbursed by Lender under
this Section 5 shall become additional debt of Bo ower s·ecured by this Security Instrument. These amounts shall bear
interest at the Note rate from the date of disbursem nt and shall be payable, with such interest, upon notice from Lender
to Borrower requesting payment.
All insurance policies required by Lende and renewals of such policies shall be subject to Lender's right to
disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an
additional loss payee and Borrower further agrees to generally assign rights to insurance proceeds to the holder of the
Note up to the amount of the outstanding loan b lance. Lender shall have the right to hold the policies and renewal
certificates. If Lender requires, Borrower shall pro ptly give to Lender all receipts of paid premiums and renewal notices.
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Case 5:24-cr-00292-PCP Document 44-2 Filed 04/09/25 Page 7 of 15
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If Borrower obtains any fonn of insurance coverag , not otherwise required by Lender, for damage to, or destruction of,
the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an
additional loss payee and Borrower further agrees o generally assign rights to iusurance proceeds to the holder of the
Note up to the amount of the outstanding loan balance.I
In the event of loss, Borrower shall give ~rompt notice to the insurance carrier and Lender. Lender may make
proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance
proceeds, whether or not the underlying insurance as required by Lender, shall be applied to restoration or repair of the
Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and
restoration period, Lender shall have the right to Id such insurance proceeds until Lender has had an opportunity to
inspect such Property to ensure the work has been ompleted to Lender's satisfaction, provided that such inspection shall
be undertaken promptly. Lender may disburse proce ds for the repairs and restoration in a single payment or in a series of
progress payments as the work is completed. Unles an agreement is made in writing or Applicable Law requires interest
to be paid on such insurance proceeds, Lender sh II not be required to pay Borrower any interest or earnings on such
proceeds. Fees for public adjusters, or other third arties, retained by Borrower shall not be paid out of the insurance
proceeds and shall be the sole obligation of Borrow r. If the restoration or repair is not economically feasible or Lender's
security would be lessened, the insurance procee s shall be applied to the sums secured by this Security Instrument,
whether or not then due, with the excess, if any, pa d to Borrower. Such insurance proceeds shall be applied in the order
provided for in Section 2.
If Borrower abandons the Property, Len~er may file, negotiate and settle any available insurance claim and
related matters. If Borrower does not respond with· 30 days to a notice from Lender that the insurance carrier has offered
to settle a claim, then Lender may negotiate and sett e the claim. The 30-day period will begin when the notice is given. In
either event, or if Lender acquires the Property untler Section 22 or otherwise, Borrower hereby assigns to Lender (a)
Borrowe1's rights to any insurance proceeds in art amount not to exceed the amounts unpaid under the Note or this
Security Instrument, and (b) any other of Borrower' rights (other than the right to any refund of unearned premiums paid
by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of
the Property. Lender may use the insurance proce ds either to repair or restore the Property or to pay amounts unpaid
under the Note or this Security Instrument, whether r not then due.
6. Occupancy. Borrower shall occupy, est blish, and use the Property as Borrower's principal residence within
60 days after the execution of this Security lnstrum nt and shall continue to occupy the Property as Borrower's principal
residence for at least one year after the date ofoccu ancy, unless Lender otherwise agrees in writing, which consent shall
not be unreasonably withheld, or unless extenuating ircumstances exist which are beyond Borrower's control,
7. Preservation, Maintenance and Pro ection of the Property; Inspections. Borrower shall not destroy,
damage or impair the Property, allow the Prope to deteriorate or commit waste on the Property, Whether or not
Borrower is residing in the Property, Borrower 4hall maintain the Property in order to prevent the Property from
deteriorating or decreasing in value due to its co~dition. Unless it is determined pursuant to Section 5 that repair or
restoration is not economically feasible, BorrowFr shall promptly repair the Property if damaged to avoid further
deterioration or damage. If insurance or condemn •on proceeds are paid in connection with damage to, or the taking of,
the Property, Borrower shall be responsible for rep iring or restoring the Property only if Lender has released proceeds
for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of
progress payments as the work is completed. If th insurance or condemnation proceeds are not sufficient to repair or
restore the Property, Borroweris not relieved of Bo er's obligation for the completion of such repair or restoration.
Lender or its agent may make reasonable e tries upon and inspections of the Property. !fit has reasonable cause,
Lender may inspect the interiorofthe improvemen on the Property. Lender shall give Borrowernotice at the time of or
prior to such an interior inspection specifying such easonable cause.
8. Borrower's Loan Application. Borrow~ shall be in default if, during the Loan application process, Borrower
or any persons or entities acting at the direction o Borrower or with Borrower's knowledge or consent gave materially
false, misleading, or inaccurate information or tatements to Lender (or failed to provide Lender with material
information) in connection with the Loan. Matelal representations include, but are not limited to, representations
CALIFORNlA•-Singlo family-Fannie Mae/Fred<lie Mac UN FORM INSTRUMENT Fonn 3005 l/01
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Case 5:24-cr-00292-PCP Document 44-2 Filed 04/09/25 Page 8 of 15
concerning Borrower's occupancy of the Property as Borrower's principal residence.
9. Protection of Lender's Interest in tle Propei-ty and Rights Under this Security Instrument. If (a)
Borrower fails to perform the covenants and agriements contained in this Security Instrument, (b) there is a legal
proceeding that might significantly affect Lender'sl·nterest in the Property and/or rights under this Security Instrument
(such as a proceeding in bankruptcy, probate, for c ndemnation or forfeiture, for enforcement of a lien which may attain
priority over this Security Instrument or to enforce I ws.or regulations), or(c) Borrower bas abandoned the Property, then
Lender may do and pay for whatever is reasonal:,le or appropriate to protect Lender's interest in the Property and rights
under this Security Instrument, including protecting and/or assessing the value of the Property, and securing andf()r
repairing the Property. Lender's actions can include', but are not limited to: (a) paying any sums secured by a lien which
bas priority over this Security Instrument; (b) appe~ring in court; and (c) paying reasonable attorneys' fees to protect its
interest in the Property and/or rights under this ~ecurity Instrument, including its secured position in a bankruptcy
proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks,
replace or board up doors and windows, drain wate from pipes, eliminate building or other code violations or dangerous
conditions, and have utilities turned on or off. Al ough Lender may take action under this Section 9, Lender does not
have to do so and is not under any duty or obligatio to do so. It is agreed that Lender incurs no liability for not taking any
or all actions authorized under this Section 9.
Any amounts disbursed by Lender under t •s Section 9 shall become additional debt of Borrower secured by this
Security Instrument. These amounts shall bear in erest at the Note rate from the date of disbursement and shall be
payable, with such interest, upon notice from Lende to Borrower requesting payment.
If this Security Instrument is on a leaseh Id, Borrower shall comply with all the provisions of the lease. If
Borrower acquires fee title to the Property, the teilsehold and the foe title shall not merge unless Lender agrees to the
merger in writing. l
1O. Mortgage Insurance. If Lender requi d Morf;,"llge Insurance as a condition of making the Loan, Borrower
shall pay !he premiums required to maintain the Mo~age Insurance in effect. If, for any reason, the Mortgage Insurance
coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance
and Borrower was required to make separately d~signated payments toward the premiums for Mortgage Insurance,
Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance
previously in effect, at a cost substantially equiva!rnt to the cost to Borrower of the Mortgage Insurance previously in
effect, from an alternate mortgage insurer selected ~y Lender. lf substantially equivalent Mortgage Insurance coverage is
not available, Borrower shall continue to pa:y tc Leider the amount of the separately designated payments that were due
when the insurance coverage ceased to be in effect ender will accept, use and retain these payments as a non-refundable
loss reserve in Heu of Mortgage Insurance. Such I ss reserve shall be non-refundable, notwithstanding the fact that the
Loan is ultimately paid in full, and Lender shall n t be required to pay Borrower any interest or earnings on such loss
reserve. Lender can no longer require loss reserve ayments if Mo11gage Insurance coverage (in the amount and for the
period that Lender requires) provided by an insurerjselected by Lender again becomes available, is obtained, and Lender
requires separately designated payments toward t~e premiums for Mortgage Insurance, If Lender required Mortgage
Insurance as a condition of making the Loan and B<}rrower was required to make separately designated payments toward
the premiums for Mortgage Insurance, Borrower hall pay the premiums required to maintain Mortgage Insurance in
effect, or to provide a non-refundable loss reserve, ntil Lender's requirement for Mortgage Insurance ends in accordance
with any written agreement between Borrower and nder providing for such tennination Dr until termination is required
by Applicable Law. Nothing in this Section 10 a cts Borrower's obligation to pay interest at the rate provided in the
Note.
Mortgage Insurance reimburses Lender (o any entity that purchases the Note) for certain losses it may incur if
Borrower does not repay the Loan as agreed. Borro er is not a party to the Mortgage Insurance.
Mortgage insurers evaluate their total risklon all such insurance in force from time to time, and may enter into
agreements with other parties that share or modify their dsk, or reduce losses. These agreements are on terms and
conditions that are satisfactory to the mortgage ihsurer and the other party (or parties) to these agreements. These
agreements may require !he mortgage insurer to make payments using any source of funds that the mortgage insurer may
CALIFORNIA-Single Family••Fannic Mac/Freddie Mac UN FORM INSTRUMENT Fonn,005 1101
CALIFORNIA PEED OF 'J?RUS'l' (!:i:IDOT. c:A }
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have available (which may include funds obtained om Mortgage Insurance premiums).
As a result of these agreements, Lender, y purchaser of the Note, another insurer, any rejnsurer, any other
entity, or any affiliate of any of the foregoing, may ,receive (directly or indirectly) amounts that derive from (or might be
characterized as) a portion of Borrower's payment for Mortgage Insurance, in exchange for sharing or modifying the
mortgage insurer's risk, or reducing losses. If sue agreement provides that an affiliate of Lender takes a share of the
insurer's risk in exchange for a share of the pre 'urns paid to the insurer, the arrangement is often termed "captive
reinsurance." Further:
(a) Any such agreements will not affe t the amounts that Borrower has agreed to pay for Mortgage
Insurance, or any other terms of the Loan. Sue agreements will not increase the amount Borrower will owe for
Mortgage Insurance, and they will not entitle Bo ,rower to any refund.
(b) Any such agreements will not affec the rights Borrower has - if any - with respect to the Mortgage
Insurance under the Homeowners Protection A t of1998 or any other Jaw. These rights may include the right to
receive certain disclosures, to request and obtai cancellation of the Mortgage Insurance, to have the Mortgage
Insurance terminated automatically, and/or to fCeive a refund of any Mortgage Insurance premiums that were
unearned at the time of such cancellation or termination.
11. Assignment of Miscellaneous Proce~ds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to
and shall be paid to Lender. i
If !he Property is damaged, such Miscellantous Proceeds shall be applied to restoration or repair of the Property,
if the restoration or repair is economically feasi le and Lender's security is not lessened. During such repair and
restoration period, Lender shall have the right to ho! such Miscellaneous Proceeds until Lender has had an opportunity to
inspect such Property to ensure the work has been ompleted to Lender's satisfaction, provided that such inspection shall
be undertaken promptly. Lender may pay for the r airs and restoration in a single disbursement or in a series of progress
payments as the work is completed. Unless an agree ent is made in writing or Applicable Law requires interest to be paid
on such Miscellaneous Proceeds, Lender shall n t be required to pay Borrower any interest or earnings on such
Miscellaneous Proceeds, If the restoration or repai is not economically feasible or Lender's security would be lessened,
the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due,
with the excess, if any, paid to Borrower. Such iscellaneous Proceeds shall be applied in the order provided for in
Section2~
In the event of a total taking, destruction, r Joss in value of the Property, the Miscellaneous Proceeds shall be
applied to the sums secured by this Security Ins rument, whether or not then due, with the excess, if any, paid to
Borrower.
In the event of a partial taking, destruction or loss in value of the Property in which the fair market value of the
PropertY immediately before the partial taking, des uction, or toss in value is equal to or greater than the amount of the
sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless
Borrower and Lender otherwise agree in writing, e sums secured by this Security Instrument shall be reduced by the
amount of the Miscellaneous Proceeds multiplied y the following fraction: (a) the total amount of the sums secured
immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property
immediately before the partial taking, destruction, o loss in value. Any balance shall be paid to Borrower.
In the event of a partial taking, destruction or loss in value of the PropertY in which the fair market value of the
Property immediately before the partial taking, des ruction, or loss in value is less than the amount of the sums secured
immediately before the partial taking, destructio , or loss in value, unless Borrower and Lender otherwise agree in
writing, the Miscellaneous Proceeds shall be appli d to the sums secured by this Security Instrument whether or not the
sums are then due.
If the Property is abandoned by Borrower)or if, after notice by Lender to Borrower that the Opposing Party (as
defined in the next sentence) offers to make an aw~•d to settle a claim for damages, Borrower fails to respond to Lender
within 30 days after the date the notice ls given, L nder is authorized to collect and apply the Miscellaneous Proceeds
either to restoration or repair of the Property or tot e sums secured by this Security Instrument, whether or not then due.
"Opposing Party" means the third party that owes jorrower Miscellaneous Proceeds or the party against whom Borrower
CALIFORNIA--Single Family--Fannie Mae/Freddie Mac UN FORM INSTRUMENT Form 3005 1101
CALIFORNIA DEED OF mus2 (SIDW. CA )
,~11111
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Case 5:24-cr-00292-PCP Document 44-2 Filed 04/09/25 Page 10 of 15
has a right of action in regard to Miscellaneous Proceeds.
Borrower shall be in default if any actiajn or proceeding, whether civil or criminal, is begun that, in Lender's
judgment, could result in forfeiture of the Prope or otber material impairment of Lender's interest in the Property or
rigbts under this Security Instrument. Borrower c n cure such a default and, if acceleration has occurred, reinstate as
provided in Section 19, by causing the action or ~roceeding to be dismissed with a ruling that, in Lender's judgment,
precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this
Security Instrument. The proceeds of any award orjblaim for damages that are attnbutable to the impairment of Lender's
interest in the Property are hereby assigned and shal be paid to Lender.
All Miscellaneous Proceeds that are not arplied to restoration or repair of1he Property shall be applied in the
order provided for in Section 2.
12. Borrower Not Released; Forbearan e By Lender Not a Waiver. Extension of the time for payment or
modification of amortization of !be sums secured by this Security Instrument granted by Lender to Borrower or any
SucceSS()t in Interest of Borrower shall not opera! to release the liability of Borrower or any Successors in Interest of
Borrower. Lender shall not be required to comme ce proceedings against any Successor in Interest of Borrower or to
refuse to extend time for payment or otherwise mo Hy amortization of !be sums secured by this Security Instrument by
reason of any demand made by the original Borro er or any Successors in Interest of Borrower. Any forbearance by
Lender in exercising any right or remedy includi g, without limitation, Lender's acceptance of payments from third
persons, entities or Successors in Interest of Borro er or in amounts less than the amount then due, shall not be a waiver
of or preclude the exercise of any right orremedy.
13. Joint and Several Liability; Co-sign rs; Successors and Assigns Bound. Borrower covenants and agrees
that Borrower's obligations and liability shall be j int and several. However, any Borrower who co-signs this Security
Instrument but does not execute the Note (a "co-s uner"): (a) is co-signing this Security Instrument only to mortgage,
grant and convey the co-signer's interest in the Pro erty under the tenns of this Security Instrument; (b) is not personally
obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can
agree to extend, modify, forbear or make any acco modations with regard to the terms of this Security Instrument or the
Note without the co-signer's consent.
Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's
obligations under this Security Instrument in writin , and is approved by Lender, shall obtain all of Borrower's rights and
benefits under this Security Instrument. B01wwer hall not be released from Borrower's obligations and liability under
this Security Instrument unless Lender agrees to su,ch release in writing. The covenants and agreements of this Security
Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender.
14. Loan Charges. Lender may charge s;orrower fees for services performed in connection with Borrower's
default, fur the purpose of protecting Lender's inter,st in the Property and rights under this Security Instrument, including,
but not limited to, attorneys' fees, property inspe<j!ion and valuation fees. In regard to any other fees, the absence of
express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition
on the charging of such fee. Lender may not charg6 fees that are expressly prohibited by this Security Instrument or by
Applicable Law. [
If the Loan is subject to a law which sets i;naximum loan charges, and that law is finally interpreted so that the
interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then:
(a) any such loan charge shall be reduced by the am f unt necessary to reduce the charge to the permitted limit; and (b) any
sums already collected from Borrower which excee ed permitted limits will be refunded to BoJTower. Lender may choose
to make this refund by reducing !be principal owed nder the Note or by making a direct payment to Bon-ower. lf a refund
reduces principal, the reduction will he treated as a partial prepayment without any prepayment charge {whether or not a
prepayment charge ls provided for under the Note). Borrower's acc;;,ptance of any such refund made by direct payment to
Borrower will constitute a waiver of any right of act on Borrower might have arising out of such overcharge.
15. Notices. All notices given by Borrow or Lender in connection witb this Security Instrument must be in
writing. Any notice to Borrower in connection w th this Security Instrument shall be deemed to have been given to
Borrower when malled by first class mail or when ctually delivered to Borrower's notice address if sent by other means.
CALIFORNIA-Single Famlly••F\mnie Mae/Freddie Mac UN FOR,'.1 INSTRUMENT Form 3005 Ill)!
CALii'ORNXA D:EED OF 'l'B,UST' {S:tDO'l' ~ CA )
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Case 5:24-cr-00292-PCP Document 44-2 Filed 04/09/25 Page 11 of 15
Notice to any one Borrower shall constitute notice o all Borrowers unless Applicable Law expressly requires otherwise,
The notice address shall be the Property Address urlless Bo1Tower has designated a substitute notice address by notice to
Lender. Borrower shall promptly notify Lender o~ Borrower's change of address, If Lender specifies a procedure for
reporting Borrower's change of address, then Boiower shall only report a change of address through that specified
procedure. There may be only one designated notic address under this Security Instrument at any one time. Any notice to
Lender shall be given by delivering it or by mamn it by first class mail to Lender's address stated herein unless Lender
9
bas designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be
deemed to have been given to Lender until actually eceived by Lender. If any notice required by this Security Instrument
is also required under Applicable Law, the Appli le Law requirement will satisfy the corresponding requirement under
this Security Instrument.
16. Governing Law; Severability; Rule of Constrnction. This Security Instrument shall be governed by
federal law and the law of the jurisdiction in whic the Property is located. All rights and obligations contained in this
Security Instrument are subject to any requirements1 and limitations of Applicable Law. Applicable Law might explicitly
or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a
prohibition against agreement by contract. In the evjnt that any provision or clause of this Security Instrument or the Note
conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note
which can be given effect without the conflicting pr vision.
As used in this Security Instrument: (a) wprds of the masculine gender shall mean and include corresponding
neuter words or words of the feminine gender; (b) 'Yords in the singular shall mean and include the plural and vice versa;
and (c) the word "may" gives sole discretion withoui/ any obligation to take any action.
17, Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument
18. Transfer of the Property or a Benefi~iill Interest in Borrower, As used in this Section 1S, "Interest in the
Property" means any legal or beneficial interest in ;tiie Property, including, but not limited to, those beneficial interests
transferred in a bond for deed, contract for deed, ins llment sales contract or escrow agreement, the inlent of which is the
transfer of title by Borrower at a future date to a pur•haser.
lf all or any part of the Property or any I terest in the Property is sold or transfe1Ted (or if Bo1Tower is not a
natural person and a beneficial interest in Bo!Tower is sold or transfened) without Lender's prior written consent, Lender
may require immediate payment in full of all sums ecured by this Security Instrument. However, this option shall not be
exercised by Lender if such exercise is prohibited Applicable Law.
If Lender exercises this option, Lender shf 11 give Borrower notice of aoceleration. The notice shall provide a
period of not less than 30 days from the date then tiee is given in accordance with Section 15 within which Borrower
must pay all sums secured by this Security Instrum nt If Borrower rails to pay these sums prior to the expiration of this
period, Lender may invoke any remedies permitt~d by this Security Instrument without further notice or demand on
Borrower. I
19. Borrower's Right to Reinstate After!Acceleration, If Borrower meets certain conditions, Borrower shall
have the right to have enforcement of this Securi;·Instrument discontinued at any time prior to the earliest of: (a) flve
days before sale of the Property pursuant to any po er of sale contained in this Security Instrument; (b) such other period
as Applicable Law might specify for the tenninatio of Borrower's right to reinstate; or (c) entry of a judgment er forcing
this Security Instrument. Those c<>nditions are that Bonower: (a) pays Lender all sums which then would be due under
this Security Instrument and the Note as ifno acce~ ration had occurred; {b) cures any default of any other covenants or
agreements; (c) pays all expenses incurred in enfonJing this Security Instrument, including, but not limited to, reasonable
attorneys' fees, property inspection and valuatio~•ees, and other fees incurred for the purpose of protecting Lender's
interest in the Property and rights under this Secu ity Instrument; and (d) takes such action as Lender may reasonably
requite to assure that Lender's interest in the Prop and rights under this Security Instrument, and Borrower's obligation
to pay the sums secured by this Security Instrum t, shai! continue unchanged. Lender may require that Borrower pay
such reinstatement sums and expenses in one or mqre of the following forms, as selected by Lender: (a) cash; (b) money
order; (c) certified check, hank check, treasurer's dheck or cashier's check, provided any such check is drawn upon an
lnstitution whose deposits are insured by a federa1 agency, instrumentality or entity; or (d) Electronic Funds Transfer,
CALIFORNIA-Single Family-Fannie Mae/Freddie Mac UN FORM INSTRUMENT • Form 30-05 l/01
,~1111 •
CALIFORNIA DJllEO OF TRUST {SWO'l' ,CA } t
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Case 5:24-cr-00292-PCP Document 44-2 Filed 04/09/25 Page 12 of 15
Doe ID#: xxxxxxxxx66l
Upon reinstatement by Borrower, this Security Ins ent and obligations secured hereby shall remain fully effective as if
no acceleration had occurred. However, this right to reinstate shalI not apply in the case of acceleration under Section J 8.
20. Sale of Note; Change of Loan Servi er; Notice of Grievance. The Note or a partial interest in the Note
(together with this Security Instrument) can be sol one or more times without prior notice to Borrower. A sale might
result in a change in the entity (known as the "Loan ervicer") that collects Periodic Payments due under the Note and this
Security Instrument and pe1forms other mortgage lo~n servicing obligations under the Note, this Security Instrument, and
Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to asale of the Note. If there is
a change of the Loan Servicer, Borrower will be gi1ten written notice of the change which will state the name and address
of the new Loan Servicer, the address to which pay,ments should be made and any other information RESPA requires in
collllection with a notice of transfer of servicing. lfthe Note ls sold and thereafter the Loan is serviced by a Loan Servicer
other than the purchaser of the Note, the mortgag! Joan servicing obligations to Borrower will remain with the Loan
Servicer or be transferred to a successor Loan Sei)vicer and are not assumed by the Note purchaser unless otherwise
provided by the Note purchaser. I
Neither Bon-ower nor Lender may comm~nce, join, or be joined to any judicial action (as either an individual
litigant or the member of a class) that arises from !:he other party's actions pursuant to this Security Instrument or that
alleges that the other party has breached any proviion of, or any duty owed by reason of, this Security Instrument, until
such Borrower or Lender has notified the other p ty (with such notice given in compliance with the requiremeuts of
Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice
to take corrective action. If Applicable Law provid s a time period which must elapse before certain action can be taken,
that time period will be deemed to be reasonabl for purposes of this paragraph. The notice of acceleration and
opportunity to cnre given to Borrower pursuant to S~ction 22 and the notice of acceleration given to Borrower pursuant to
f
Section !8 shall be deemed lo satisfy the notice and pportunity to take corrective action provisions of this Section 20.
21. Hazardous Substances. As used in thi1 Section 21: (a) "Ha2ardous Substances" are those substances defined
as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline,
kerosene, other flammable or toxic petroleum prdduets, toxic pesticides and herbicides, volatile solvents, materials
containing asbestos or fonnaldehyde, and radioactiv1\e materials; (b) "Environmental Law" means federal laws and laws of
the jurisdiction where the Property is located that re ate to health, safety or environmental protection; (c) "Environmental
Cleanup" includes any response action, remedial a;;' ion, or r,:,moval action, as defined in Environmental Law; and (d) an
"Environmental Condition" means a condition th t can cause, contribute to, or otherwise trigger an Environmental
Cleanup.
Borrower shall not cause or permit the pre ence, use, disposal, storage, or release of any Hazardous Substances,
or threaten to release any Hazardous Substances, o or in the Property. Borrower shall not do, nor allow anyone else to
do, anything affecting the Property (a) that is in vio ation ofany Environmental Law, (b) which creates an Environmental
Condition, or (c) which, due to the presence, use, o release ofa Ha2ardous Substance, creates a condition that adversely
affects the value of the Property. The preceding o sentences shall not apply lo the presence, use, or storage on the
Property of small quantities of Hazardous Substanc s that are generally recognized to be appropriate to normal residential
uses and to maintenance of the Property (including, ut not limited to, hazardous substances in consumer products).
Borrower shall promptly give Lender wri en notice of (a) any investigation, claim, demand, lawsuit or other
action by any governmental or regulatory agency or private party involving the Proparty and any Hazardous Substance or
Environmental Law of which Borrower has actual owledge, (b) any Environmental Condition, including but not limited
to, any spilling, leaking, discharge, release orthre of release of any Ha2ardous Substance, and (c) any condition caused
by the presence, use or release of a Hazardous Sub lance which adversely affects the value of the Proparty. If Borrower
learns, or is notified by any governmental or re latory authority, or any private party, that any removal or other
remediation of any Hazardous Substance affecting e Property is necessary, B01rower shall promptly take all necessary
remedial actions in accordance with Environment' l Law. Nothing herein shall create any obligation on Lender for an
Environmental Cleanup.
NON-UNIFORM COVENANTS. Borrow rand Lender further covenant and agree as follows:
22. Acceleration; Remedies. Lender hall give notice to Borrower prior lo acceleration following
CALJFORNIA--Single Famliy--Fannic Mae/Freddie Mac UN FO&'I-I INSTRUMENT Form 3005 1101
,,.
C.!!LIFORNIA DEED OF TRUST (SIDOT.CA)
Page !I of 14 BANK OF AMER[CA. NA
l~l!I 11111ml illllllll llll Ill~ 1111111111111111~11111111111 11111111~1111111111111
'2787966613616404000'
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Case 5:24-cr-00292-PCP Document 44-2 Filed 04/09/25 Page 13 of 15
i
~
Doc ID#: ""'"''""""'661
Borrower's breach of any covenant or agreemen in this Security Instrument (but not prior to acceleration under
Section 18 unless Applicable Law provides othf rwise). The notice shall specify: {a) the default; (b) the action
required to cure tile default; (c) a date, not les than 30 days from the date the notice is given to Borrower, by
wltieh the default must be cured; and (d) that allure to cure the default on or before the date specified in the
notice may result in acceleration of the sums se ured by this Security Instrument and sale of the Property. The
notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court
action to assert the non-existence of a default o~ any other defense of Borrower to acceleration and sale. ff the
default is not cured on or before the date specified in the notice, Lender at its option may require immediate
payment in full of all sums secured by this Securfity Instrument without further demand and may invoke tlle power
of sale and any other remedies permitted by 1,PPlicable Law. Lender shall be entitled to collect all expenses
incurred in pursuing the remedies provided in t~is Section 22, including, but not limited to, reasonable attorneys'
fees and costs of title evidence. I
If Lender invokes the power of sale, Le!der shall execute or cause Trustee to execnte a written notice of
the occurrence of an event of default and of Len , er's election to cause the Property to be sold. Trustee shall cause
this notice to be recorded In each county in wbic any part of the Property is located. Lender or Trustee shall mail
copies of the notice as prescribed by Applica le Law to Borrower and to tbe other persons prescribed by
Applicable Law. Trustee shall give public notice rf sale to the persons and in tire manner prescribed by Applicable
Law. After the time required by Applicable Law1 Trustee, without demand 011 Borrower, shall sell the Property at
public auction to the highest bidder at the time ¥nd place and under the terms designated in the notice of sale in
one or more parcels and in any order Trustee ~etermines. Trustee may postpone sale of all or any parcel of the
Property by public announcement at the time and place of any previously scheduled sale. Lender or its desig11ee
may purchase the Properly at any sale. I .
Trustee shall deliver to the purchaser rustee's deed conveying the Property without any covenant or
warranty, expressed or implied. The recitals in t e Trustee's deed shall he prim a facie evidence of the truth of the
statements made therein. Trustee shall apply th proceeds of the sale in the following order: (a) to all expenses of
the sale, including, but not limited to, reasona le Trustee's and attorneys' fees; (b) to all sums secured by this
Security Instrument; and (c) any excess to the pe sou or persons legally entitled to it.
23. Reconveyance. Upon payment of all s •ms secured by this Security Instrument, Lender shall request Trustee
I
to reconvey the Property and shall surrender this Security Instrument and all notes evidencing debt secured by this
Security Instrument to Trustee. Trustee shall reco?vey the Property without warranty to the person or persons legally
entitled to it. Lender may charge such person or per ns a reasonable fee for reconveying the Property, but only if the fee
is paid to a tllird party (such as the Trustee) for services rendered and the charging of the fee is permitted under
Applicable Law. If the fee charged does not exceed the fue set by Applicable Law, the fee is conclusively presmned to be
reasonabla
24. Substitute Trustee. Lender, at its opti n, may from time to time appoint a successor trustee to any Trustee
appointed hereunder by an instrument executed an acknowledged by Lender and recorded in the office of the Recorder
of the county in which the Property is located. The nstrument shall contain the name of the original Lender, Trustee and
Borrower, the book and page where this Security Instrument is recorded and the name and address of the successor
trustee. Without conveyance oftl!e Property, the successor trustee shall succeed to all the title, powers and duties
conferred upon the Trustee hetein and by Appilca e Law. Thls procedure for substitution of trustee shall govern to the
exclusion of all other provisions for substitution.
25. Statement of Obllg,ation Fee. Lendei+ may collect a fee not to exceed the maximum amount permitted by
Applicable Law for furnishing the statement of obli ation as provided by Section 2943 of the Civil Code of California.
CALIFORNIA-Single Family•-F•nnie Mac/Freddie Mac UN ORM INSTll.UMENT Fonn3005 !IOI
CALIFORNIA DEED OF TRUST {SIDOT .CA )
12 14
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Case 5:24-cr-00292-PCP Document 44-2 Filed 04/09/25 Page 14 of 15
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BY SIGNING BELOW, Borrower accep s and agrees to the terms and covenants contained in this Security
Instrument and in any Rider executed by Borrower d recorded with it.
The undersigned Borrower requests that a copy o any Notice of Default and any Notice of Sale under this Security
Instrument be mailed to the Borrower at the address et forth above.
- BORROWER - SANDRA WILL
A notary public or other officer completing this c rtificate verifies only the identity of the individual who signed the
document to which this certificate is attached, and 1 ot the truthfulness, accuracy, or validity of that document.
State o:f G I,·4.c: "'"' ;.., )
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County of $_,_L..., Cf,.._,,,.._._ )
On ~ T ').1,,/44- 20'hefore me, ~ ' - :,: ............
,5 llA I . fl 1 I _,,_ /?,J, {.'r
f
(here insert name and title of the officer)
personally appeared
·t '.,_ W.il
who proved to me on the basis of satisfactory evide~ce to be the perso~hose nam~ubscribed to the within
instru1:1~ and acknowledged to me that~~executed the same i~JJ?s'@));l;(ir authorized capacity~, and that
by \>i!~~ signatur~n the instrument th persongor the entity upon behalf of which the person.{4'acted,
executed the instrument.
I certify under PENALTY OF PERJURY under the aws of the State of California that the foregoing paragraph is true and
correct
WITNESS my hand and official seal.
Signature
STEVEN JAMES MOHNACH
Notary t'ubllc-Catifornla
Santa dara County
Commlsslon # 2:18736 t
My Comm. Expires Mar 20, 2021
CALIFORNIA-Single Family--Fann!e Mae/Freddie Mlle UN FORM INSTRUMENT Form 3005 1101
,,.
CALIFORNIA DEED OF ';CR:0:S'J: {SIDOT. CA )
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Case 5:24-cr-00292-PCP Document 44-2 Filed 04/09/25 Page 15 of 15
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Mortgage Loan Originator Sheila. R Pott 1
Nationwide Mortgage Licensing System and Regis~ Identification Number 633097
Mortgage Loan Origination Company BANK OF AMERICA, N.A.
Nationwide Mortgage Licensing System and Regis , Identification Number 399802
CALIFORNIA-Single Family-.Fannio Mae/llreddie M•• UN FORM INSTRUMEN"T Form 300, !IOI
,~.
CALilrORl>lIA DEED OF T~,U$1! (S'.IDOt;I! • CA )
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