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

ELLS FARGOBANK. NA. ACHOVIA MORTGACE, ATIONAL DEFAULT ll ERVICINGCORPAND LACK CORPORATION, RED ORPORATION, BLUE ORPORATTON, WHITE 1 5 ORPORATION. AND DOESI-V.
t2 l)afendants. t'7 t8 l9 L GENERAL ALLEGATIONS That at all times matcrialhereto,PlaintilT (hereinafler"Alaggia") $'as a

20 esident ofthe State ofNevada, 2l 22 23 24 2. On information and belief Defbndant, Wells !'argo Bank, NA (hereinaller

Fargo")is a Corporation licensed do business the Stale to in ofNcvadaanddoing siness the State in ofNevada. 3. FSB On information bcliefDefendant, and Wachovia Mortga-se.

in ofNevada 25 hereinafter is licensed dobusiness theState to "Wachovia') a Comoration

26 2'/

in ofNevada. d doingbusiness the State

4. On information and beliefDefendant,National Default ServicingCorp,

in 28 hereinaller"NDSC') is a Coroorationlicensedto do business the StaleofNevada and

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

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, : ll hu'in.".sir tlreState Nevadr. ot t lhring. 5. 2 the ideDtiliedin paragraphs Unlessotherwiscdesignated Corporations be a shail be collectively hereinafter "llank". lfhrouSh 4 ll 6. Alcggia hasdesignated llctitious Defendants Black Corporation.I{cd

BlueCorpomtion, WhiteCorporation. DoesI-V, because and Alaggiaare lFlorporation. e l"urlhcr, Alaggia infouned is and ol thctrucnaturc lbrrnol'business or o1'Bank. lliSnorant pcrsons enlitics or ofwh(rn he is nota$arcat theprcsent 7 thatthcre maybeothor lPclioves 8 whomaf be liablc thern thedanrages to for ollcged hercir.Accordingly. Alaggia lfime 9 lcavc ancndthisConrplaint namc pcrsons e tillcsat such tirne thlrt seek to to or such llvill l0 should beconrc known, whiclr an)endrncnl relate shdll h?rck theoriginal to datcol thc lfhcf II ol thisComnlaint. lllilirte 7. Notice ol'Delbult tilcctiort Sellwaslilcd by llankon or aboul and to ', ll "A'') ll cntemher 20t0. (Atlached 2li. l-lxhibit lf s tO ll. N oti c e S al c 'fru s t c c 'S r lcwa st ile co n o r a h o uJ u lv8 . 2 0 1 1 rth c ol ol l l lb ll "Il') tS on August 201I at thchourof I I :00arn.(Altachcd 3. lrlxhibil lfalc 9. O noraboutA ugus t 1 6 - 2 0 lll] a lr k s c Dt a lc t t c r t o P la\inic hs llt cda s \ h t ill 'n ll 5

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lo\vs: lll(t

Ple{se notcthatdurinsour revicw ol'r,our wc situation. process.l he lbrcclosurc process suspcndcrl lolr.'clo--sure thc . irlirlnsllhc nropcrlyr\ ill now rt srrrnt

lixhibit "C") l[Auached lhr ttll 1 0. On o ra b o u tJu l yl 3 .20llBan[scntilctter bPlzr intift whichsr :r r cd i : ll ll ll nt' lirreclosurc will be conductcd you will Jrotlosc sulc and h d l )1 'rrr rttl re rrn rrghc I IAM P cvnluali( \n.

''D") F-xhibir l|[Arlached perlirmrcd or on ,t ll. No salctookplacc August 201i andrvas instcad on 3. ll "l]") :6 l[rbout Septcmber 20.201 (Attached l. Fjxhibit tl 12. No notice no at ofsalewasissued September 201l. l)laintiffhas lbr 20, ll 28 asto the timc ofthe saleon this datc. lfnlbrnation

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Bank. |SB. fhe Ihe beneficiary under Dced Irustis WorldSavings thl. of 2 under Deed 'liust is Golden the of West Savings Association iceCoScn l[liustec "F") F]xhibit l[Attached 4 to 19, and A Substitution ofTrustee signed or about was on October 2010 ll 5 ledonJune 201 by Bank I 6, representing it was newBeneficiarytheDeed that the to o1' lf
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No substitution ofBencl'iciary exis(s Plaintiffskno$'ledgc. to FIRSTCAUSEOF ACTION

tU Alaggiare-allegcs incomorates allegations and thc contained Paragraphs in il I O lh'1,u-sh ir\ il lullysctlbrthhcrein l5 lll ll llankviolated NRS598D.010 ct.scq. ll 't t2 tt Pursuant NRS598D.1 Alaggia entitlod treble to 10, is to damages his and ll t 3 lfi:osts attorneys asdemonslrated tirneoftrial. and l'ees al tl sECoNp cAUsE oF AcTtoN ll
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ntrggi" ,"-utt"ga" incorporatcs allcgatiql$ ,rru.l thc conlaincd I'aragraphs in ',

tr llt,t,nu,*tru; it]ti,llu lunh sct hcrcin.

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Bank conductcd inviolation has a sale o1'107.080 et.seq. Alaggia in ol secks injunction thccnforcernenltheTrustoe's an l)cedljpor

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,t Alnggiirsecks Courtlbr an ordersetting the asidcsaidDeedas it is in ll 2 l llviolation olNcvada State Lawandvoid.

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21. Alaegia rcstutcs uDdre-allcges paragraphs all aboverrndir addition sl.rtcs

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Detbndants committedacl.ual fraud by making nraterialrepresentations,

rverethlse,knowing that suchmatcrialrepresentations rverefalse and/orrvith lfrvhich 28 disrcsardto the tntth or falsity ofsuch matedalrcprescntations. wirh the intcnt lfcckless

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DA \ ID D . LOR E },IA \.!S O,

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Alaggia acled in actualandjustifiable at Plaintiffrel) on such malerial representatiolrs, janceon suchm?rterial and representations vas injurcd as a rcsult. 25, tn addition,and in the altcmativeifnccessary.Bank kno$'ingly omitted of which omission constitutcs positive a misrcDtescntationmatcrial erialinlbnnation. and ct. lvifi the intent that Alaggia rely on Bank's representations was inirred as a
It,

1 5 6 7

26.

one or morc legal or llank committcd constructivcliaud by breachit]g

iuid hr c.r elr r {' i : q u i r d h ldu ri L io w cdl o A l a g g i u clJling lhc issuc thi:'lawsuit( r tu
g

chcsconstitutingliaud becausc ol'thcir propensiry dqceivoothorsol constitutcan to

policy. t () njuryto public intercsts public or

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stalcs Alaggiarestates realleges plragraphs and all ilbovcarrdiu itdrlition

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ltc$ as sct lb.th below28. and/or Ildnli misrcprcscntcd Alaggiaand/orliaudulcrrtly. to intcntionally

l (r rclrligontly conocolodlnatcrirl in li)ruralion. t1

29.

and advcrsc inlbnnation llank lnademisrepresentations activclyconccalcd

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a timc *lrcn the Bank knew. or shouldhave know that such inlbrrnationu.as l.rlsc. 30. \nerc ol'and/or allcged lhe misrcprcscntations activcconccalnrcnt

20 erl)ctuated directlyand/orindircctly Bank. by 2I 22 2l

3L Bank lcncu'or shouldhavaknown that thesercprcscntations 'fverclalse and

with or thot adcthq rcprescntations the intent purposc Alaggiarvouldrely on thenl.

32.

rnisreprescntati(nrs, rvas Alzrggia unarvare At thc timcofBank'sftaudulcnt

hacl themto betruc. Alaggia no being and 24 l'thcI'alsity ofthc statcments made bcliavcd 25 26 27 ol'the intbrmalion concealcd and/or supprcssed llank. by owledge

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relied was by Alaggia.justifiably onand/or induced thcrnisreprescntations

or active concealment and relied on the absence informationwhich Balll( did of

concealor failed to discloseto Alaggia's detrimant. 2 8 uppressItA\'tD D. LORDIUAN.!tSQ.

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l ll 3.1. As a direct proximate and result ofrheliaudulenr andomissions. acts tl 2 andmisrcprescntation ofBank, Alaggia sulfered injuries damages. and lfupprcssion I II EIF'ITI!4-USE ACTION -lBaAiFoTe !F ra..D on' il
35. Alaggia rt:states and re-alleges paragraphs all aboveand in addition stares

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as sot lbrth below, lfrattc$ 7 36. Bascdon inlbrmation andbelief.Alaggiasubrnits Brnk hrs submifed thar ll u llliautlult'ntly produced docUrncnts fbrrhc saleol'thepropedy ownedby Alaggia. tl , 37. l he conditionsoutlined by tllc Dced ol'1 r.ust corcrcdinto by Alaggia wcre ll l0 lbllowedand llank arcnot theproprpartias issucnoticcol'dcl'ault to andelection to lfot

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ll docurnents. lFe ,, 38. Bank l'ailcd propcrly to procedures Ncvada and doing lblkrrv under Larv in ll
li lfo breachcd thc grccorcnt rl.lde by Alaggialvith thc originalpartics and rcalparries irl

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39. Bankprcsontly involvcd numerous rcgarding inrpropcr is in suits thc ', ll practices maybc l6 and subiect substantial li)rconduct to lines con'rirlaincdhcrjin ol lfontract

Intcrcst.

r7 lly^lassia.
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Alaggia secks contract damagcs thcbreirchcs lbr couscd Banks' by action in

improfJer l'oreclosure this case. in WHEREFORE. lage,ia prays rcliefaslbllows: n ti)r l. 2.

3.

frcblcactual in damages excess ol'$10,00{); l)rmitive Danragcs intelttional lbr l'i.audulenl conduct llankin cxcess of ol'

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(r1'the'l In-iunctive reliefin the enlorcerneDt rustec's !)ecd:

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Dcclaratory f in setting the rclie asidc 'l'rustec's asbcing and Dced void contrary Nq,ada to Law;
Incidental Consequential and damages bc proven trial: to at

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Breachof Contxact Dainages be provn at tiinc oftrial in excess01' to

$10,000;
Cosls ol'Court! A reasonable attomeysfeo in this matter.

DArED $fa$.af this

Janxary,zlt2.
445F

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Attorneyfor Plointilf

BarNo.3867

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VERIFICATION Llnder penalties the ofpcrjury, undersigned, the TERRENCEALACCIA,

larcsthat hc is the Plaintiffnamed in the forrcgoing Cornplaint;and knews rhc coltonrs

l5 hcrcol': thatthc plcading trueofhis own knowlcdgc, is cxcoptasto thoscmattcrs thcrcin l6 on inlilnration and bclicf; and as to thosemattcrsh9 believcsthc samoto bc rruc.

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ubscribed Sw rn to beforeme and ris- r I oav ol . i dayof ,2 0 1 2 .

20 2l 22 2i 24 25 26 2'/ 28

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COUNTY ELKO OF TRICIA L. STEVENS

D^VID D. LOREI\IAN.ESO.

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25 26 27 28
DAVTDD. LOREMAN. ESO.
(?7t 13 666 = F^x (7183 dn

EXHIBIT "A''

DOC#2 631200: I ll Lrc 3

officia' l
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R ec or d

I IS I TITLE A C E ]\C YNC.

El ko county - NV ler r y D. Reyno l ds R ec or der

iae: 72ir: 1 7 r : :a '.'..') .

RTiCORDING RDQUESTED DY: Ll'S Tiile Compdy " Nv WT]EN RECORDI'D MAIL TO: N ononalDcfauh Scdicing Corpoi.rton 7720 N. l6'b Strccq Suile 300

Paae: 1of I Reco.ded Sy Ak

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NDSC Filc No T ir lc O r de' No.

: l0-3?61?_WA-NV r 10058760?

NOTICI] OF DI'}.'AUL'T -{XD trLECTTON TO SEI,L UNDER T'EEI) OF TRL-<T IMPORTAN] NOTICE IF YOUII PROPIIRTY IS IN FORECLOSURE BDCAUSE YOU ARI' BtrHI\D IN YOtil{ T YMDN'tS, rT MAY BD SOLDWITHOUT ANY COURT ACTION, ,nd rou rtil hnve legnl 1',. riglr to Urhg yo{r a((ount good rn stardirgb} nlyiDga of}our p.n duc plus nnd r rritnrcnts p..'nittcdcosts cxpenscarhinthctlmcpcrnincd tawfor rrhrsra(rmen( by ot xcco{ni. }vhich mrmrlly livcblslness priorto rhednrcsetfor (hcsnlcoa}oor is J_our dayr t,roFr$. lio s!lc da(c my bcreruntl lhrccmonthl tmmlhcdare r,oricc ttris otdcfiulr drr\ bc
' rr o'ilcd ryItr h dtrrr ot .ccordxtior !I0d6 on this Doli(er.

' l h i s N tr| o u | l its SI0 ,7 6 4 .4 5!s o f 09/28/2010 d w i l l , efl i ncrersorn I l our l l ccoun!beronrei $rhil. r. u. pr.rerb is iD f0rectorurr,you stjfi nurt pry orhcrobtignrions {su(h ,s insura cc nnd r's(t rcqujrcd lty yo{r Norc.nd DccdofThli or Mo.l8agc. lfyoo fnit ro mako tu(ure p!).nrcnll on rhc rorn, p,r rarcs on rhr protrcrty,providr tNDr!,"Joo rrrcpropcny, o, poy ,ur,* .Lrig"io* rs rcqui.d b) Ur Not..nd DccdofTru,r or Morrs.sc, rh. bcncli.t.ry oru,;rr!"g* _". i".r., lhrl \ou do so ir order ro reinslnt(your sccount goodstlnding. In addition, ;ic fa*ficia. In o, nbllgr8rc dir rcquhc ! condirion relnrtlt.hctrt that you prolidr ratilDlc tyrirrcn to 0vidsc! 's rlrt l!U riid ill sotriorlins,properrytnxrr.nd hszardtruuranie prcmiums. t llun J $ri .n &'tnAr. thc bcn.tici.ry or frorrg:lg.ewjl giv. y.u . rvri(cn i(.mrziiion ^ur ar rhL you mqy nor h,ve ro pay.hf.nrirc unpsid porrion of rour sccoirnr. ::::,T:I':.y:l.1ll, clrn flhbch In,t prlm.n(l"y. dcn d.d. bur s.s Jo! m(sr pay r rDoutrts i! dcfaulr nt tf riure IrDrrr b m6oc..flosever. yor rrd )our b.ocflcro.yo, nor(g,ge mry hutu, v ierc( rn \vririn., r)flo.,rortrr Um! rnc [o{ce ofslt h Dojted(trhi{h m!, no, bc e..ticr,hrn rhe (nl oirtre rtrrcc Inotru, I'fio'r 5rorar!bN.) ro. rnong o(tlerrtrrngs, j Pl ovide, d.tir,n rime tt nrt . , u ,.n u i rh )rrrc ,ra n )rc ro r,rrc p ropotyorotrerri se:o" i u,* rrrrrr," * r,ui " i "rr, " r,r"j,i" " .." ,r. n;o;i ;;;i .-,;0rdor (o cu.e your dcfnutii or t,oth(l) aDttazl.

upon ! srp,rflct!rirren or asrcm;n( b;r*;er lou a,,d li:.::l'j:::_T ?",1i,",*,os.dd ,youhaveontyrtct.g.tri sh Iour .rto onop.hrs.l (;rJ.,." ;" " " ,,.,,,
I ' ru o g 'nr c n r' r. .h o u n r d c m :rn ded vourc.ednor. by

Follor{nArh( expirorio. or rh riDc pertodrfcrred ro (he in firsi plrrAr.ph of rhij norice,u.tcs

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\DSC File No. : l0-3U612-WA-NV

63L200

to slop the forectos!re'or il] o!' To lind aut l[e ndount !oLt $ust piy' or to trrsnge for Povment otfier r.rson' conrrcr: for t.op.rtt is in roreclosure aly WrcIlovi. Nlortg!g,FSB D.ftult SerticingCorporatlon c/o5_alton.l 7720N, r6'r Strect,gonc 300 Sales Websiler !aud,!ds!9@'!ods!19!r Pho!ni!, A285020 Phone502/264'6101 flUD Apprord Lo.il Hou3itg cour*ltng Agc.cv: E0ll569-42a7 /919 852_7470 Loss}Iirie'(bn conrdct: Gnil Notggins ST, ELKONv 89801_',127 I'roDcrll'\ddrcssrl:l COPPLR qlertiotrs,you ,[ould.ootact n tawycror tlc Sovernbnr.l !8cnc! Fhich Il lo! tEvr 'tr) n'.v h.rc ins(r.d vour rotrn.Norwithsr'lditc rn. f..( tlrstv.!r Dropcttv is tn forcclosur.ilou prior to the corclorion oathc tr,r! o'Tertotrr proPerty lor s!Ie,Irovided rhe ratcis concluded lor;rrosura. Rmdnbcr. You MAY LosD LEGAL RIGRTSIF You Do Nor 1,{}<E PRo\rI'T A(:T ION . This i\ in.ltcnrpt to collccta dcbl.nd any inlbtmstiotrobldrcd willbe urd for thnl purpose lS HERItI)l cIVEN TIJA'I : NAI IONAl, DDTAULT SIIRVICING CORPOR TION i\ -'OTIClt origiMlTrustc., tledtrlJ rppoltrt.d substiturcd Trusrceor .cti!8 a5igent for (hc eirhc' rlrr 'i fusrceof It(neficiiry (n(lcr a Dcrd ofTrust doted06i07/2007, exccutcd TEIIIIENCE by PROPDRTY.!s trurl.r, ro :\l-.\C;CI.\,.\ i\{.{RRIItD MIN A5 HIS SOL0 AND SITPAAATE s.curc cfitnin oblisrtions in f.vo. oTWORLDSAVINGSBANK, FSB,rTS sUCCEss()Rs (or iND/OR /lSSlCNltDS as bcrcficify rscorded !s No. 575.1?9 tuoh. 06/18/2007, lnstruD:cDt I nsr.) ol Oflicii I R{ords In lhc Otticcof fte CountyRecorder ELKO Countr, Nv. S! id or D b l i g r)ti oiD s l u d h rg I N O T IIIOR TnE OR IGIN A I,sumof Dc ON $183,500.1J0, I har r brelcl, or, Bnd defnultin, dt. obligallonrfor trlrlchsuchDeedofTrust is scc{ri\' h.s dccsrredid (hNtpryn,unl h{s trol becnmudeol: rAIr,UR[ TO PAY THI INSTAI.I-MIiNT OIr I'RINCIP.\1.,INTDnIST ,\rr_D IMPOUNDS\4TIICH BECAME DUE ON 0l/01/2010.4.ND ,\l.ls trl l s l QU !N l ' IN SI.\L l ME N rS oF P R I| _C IP ,{L. TE R E S T IN IMP OIJN I)STOC IITIII;R . \\'Il-H ,\l-L L^TD CIIAROESi PLUS ADVANCOS MADI AND ^N D S INCURRIID IIY TIIII COS] Br]Nr]|rlctARY INCLI]I]ING FORECLOSURE FEESAND COSTS ATTor{-DY:s ^ND/OR Thrt b) reison thcreof,thr prescrr bncrici!ryunder s!chD.ed ofTr$r has ele.ucd and ddi\ crod to drly rppolntod Trustee! writtr DechrstionolDefrutr lnd Demrn{t tor Srtc. rnd hd\ drposiled\yill! sdd duly rppolnrcdT.ustrd slcn Ded orTr!s( rnd stt documenr$ (vidncine . L ' l ru rri u n ,u (u rc d e rrtJ ). n r!h rs dector..l docs cbydect.rerl l ru' n\ r((ur,.l th(;" .,1 s rh o and h.' xnnr(di,rel) dur !trd payxblc h.s clected do.s h.rby etecrro catlserhe rrusr propdrt ro !nd 'trd bcs.ld to s..irf),.hc oblig.(ionssc.ur.d atcr.hy. Dxrcd : Scptembe. 20t0 28, Nalioi!i Dc(194sc.vicintt corporation,As

ror wachoyioMortgaSc,FSB

. Titlc Agency Nv,.s Agent

GaryTrafford

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o-seprenoe,2820'oo.fo'emcEredilg*:ilii;ii,i?i..liillJft::Ti'J.'i':,T:,;'":i'f" . . : o \c d L o m.o n rh e b rs i i o i v ri rrrctorye!rc-LE !!" i ,i .J" r" i " r,i s" " ,rr-zcdcapa.D anarn" o)
*1 s , Lnh ,r.n u m e n ra n o a c k n o w re d s e dromeuarneeN * :" -1::^1:,::,;;;;;;;," * " " .1.o,.." .''.-," w hrcbIhep(rsonaLrc0 \ecu or rh ; p e l son' thee i rv uponbeharror ; , . : ; ; " ,;' .;;;;;i .' " ,' e .r the under lawsofthestate I certifyundc!PENALTY OF PERruRY porlgraPh tnre and corrt ls ofCaliforni{ lhat the forcgolog o E N FbTN ! saN cH E z

EnedlnaO, Sanchez

commlsron # 1796125 NororyPlb ic ' colllornlo Oronge Co!nrY Mycmrn. E!lr$ A{r 2l 201?

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26 27 28

EXHIBIT "B"
DAVID D. LOREMAN, ESQ.
fi5J7I$06 Fd (?6tr4tr

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6421-36
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A C E N C Yi N '.

Fl ko Couriv - W D llike Snales - R ec or der

RI iC-()r{ D ri {R EQU ES ED a Y: G ' ,l \\ JIIi RI.:CORDTJD N'ATLTO: \ r ' : oi !, D e n u i r c arc d gC o ry o d i o D S t ili \ l 6 " S.c o t, r.1 0 0 Su \ DS ( t,i c \o I ir . O rd c N . f , \P \ \ o l 0 -3 2 6 1 2 -W A -N v 10058?60? 0 0 t-8 S9 -0 17
P age; 1 of i R ecbrdd 3r nri i' ..: r r::f t:t !! ., , r' l

Ililililltiliili titililiit iitiliilt tiil

't,642 J-36"

NOTICE OF TRUSTDE'S SALE

}OT .1REIN DIIiiAUL'f UNDDRA DIIDD OF'TRUST,DATEI] 06/07/2007 U\LESS -I'AKI ACTIO-\ TO PROTtrCTYOUR PROPERTY,IT MAY BE SOLD AT,.1 I OI; tulJl.lC SALE. ll'YOU NF;ED AN DXPI'\NATIONOF IHE NATURU OF'IH[ P}TO(]EEDINC ACAINS'I' YOTI, YOUSEOULD CONTACT LAWYEIi. A
\()rcc ,! h.r.by Sivcn tlut Natlonal Dcfault Srvicing Corporation 3s tnNtce ior succesror 'ir.L,.rc. r . , l ' \:rrL rc lL ru s rc .).u rs n rn r th cD eedofTnrs!executed IE R R E N C B A LA C (;tA . A i p to by '. II.\llltlED ]lAN AS IIIS SOI,E AI\D Sf,PARATE PROPERTY, daled 06/07/200i arrd:crJrd,r.l 06,'lS.':01)i, irsr|0nrerl.No. 575.179 Book. Page, otOfiicial Recordsin rhe olficc of ilre aour)ty in its lilr,)rL.r oi LLl(O County, StatcofNV, and pu.suanr theNotice ofDefaull ar)clElccrro'rro S.1r to d'r,.\ti\icr r.lordcd O9l?a/2010 I'rstruhcntNo.631200(or Book , Pagc ) ofslid Omcial Rrcoai.. as w) ilse l i d 0 8 /0 3 /2 0 1 ,t I l :0 0 A .M . at: 1 1l- -l Ht l.lAIN It^"TliANCE TO l HE ELKO COUh"TY COt'Rl'tlOUSE, II).dItO

s l R!-.[| r'f 6r'l{..l]Lr(o. Nv 89801

r Llfli, ruc{ron. rhchighest Lo biddor caih(in thefo ! *'hrch!.e lawlul leDdef Lird for m Llrru.i srj,:\, r, !ri)1.ir tull.r n|ne ofsrlc), rigtr,Iitle, interest all and conveycd aodnowhcldbr rl to Lx,tiJ, in srtuated $id County Stalcandnrorcfuily (1cs!1bLc,!l aJrd "rrll)ced .oi fflsi, in thcpropecy I.. , . r' .1hc c:o rnd nvJJ c pJl1 hcreol: 'lIc sirii: rJaress.$ olhefconnnon desigation, ifany oftbe realpropcrty rs desclibeiabove ]ZI COPPtrRST r:LXO.,\.'\' 89801-4C27 '11,. ul]ilr'srsrad'lrullce djsclairns Iirbiljty for anyLncorechess any ofthe stfeetaddress otircr ltrd clnnN.. d.srgnatron, heicin. ifa1ly,slrown

1{r n."ta la )Jr

lllil]ilt iltililil ilillilr tfit

NDS ( ll. i l ! N o . : Ah' \o.

10-32612-WA-NV 001-859-017

by The .srrlraied loral amoumt ofthe unpaidbalance ofthe obligationsecured the properly ro be sold znd advances the tir]le ofthe iritial prbl;cations of the at irir,irciso]uble csrirmkrd costs,experses l. f oLi0: ofSrl e i s S 2 2 0 ,5 2 4 .1 8 ti s p o s si bl el hata!theti meol sal etheopeni ngbi dni aybel esst;LJn due ire rorrl ,ndebre.lDess L i(,1lrinn ro.aslr, tbe Trslee wjll acceplcashiefs checks drawn on a staleor'rarional bank.a Lirecl. ri isr b) r siareor lede.rl crcdit lLnon, or a checkdrawtrby a slateor federalsavnrgsand loan savingslssociaLion, s3virrgs nl rs$ci,rLron. or ban! specified Section5102 ofihe FlDancialCode ^:rd NtlLrcfized do bnsiness this stare. In ihe evenlte[der otherthan sashjs accepted, Trusree Lo in dre Nr " ' ) lL o l i i ri e s s u a rc c tL h c T r' u s te e\ eedunti l funds r o D beconre avai l abl e dre payee to or : ii ls . . rs i n r!tt.f o l .rg l l . 5' LJ s r r n l :i b !,n a d !, l .rn ' a s i s o o n di ti or, i l hour w covnant w arranryj or cxpfcss i i fl i co. or rNirfilLngtrilc. possession encrnrbmnces, satisfythe indebre.hess or to securedby said Deed of lruii. with intcrestas providedtherein,ard the unpaidbotanceoltL1eNo{e sec{rcd by !(l\ xnccsLhererndcr, s d Deedof liust $i1h irterest lhereonas providedin saidNore,plus fees,chargesand cxpcnses oi' _liuslcc dtrdoI thc Lrus!s L|r cfealedby said Deedof Trust.Thc lenderis unable to va|dale the !o !LL(iotr, dcltcrs or djsclosurcissucsol saidpropenyand Buyerwaives the disclosurcfequircnr!:(s r r ir \ R S i l :1 .i 3 0b y p rrc l ' a s i D g l th i ssal edd si gni ng drecei pt. a sai li nr T r s r,re l s u n n L rl e o c o n v c yti l l e l br i ny reason, successful dder' ssol c rnd c\.:..si .! 1 the bi rcLroC)shi I r.c lhe retrLn)0l mories paid (o t]1eTruslee,and lbe successfulbidder'slall harc ro

Dalc : 0r ' 0 t/:0 l l t i t ior i) 1 )c l !u h s c rl i .i rg C o rp o rn tj o ,r ll: 0 \ . I 6 " 5 1 .c c (, u i l c 3 0 0 S I ) li0( nl\, 8s020 ^1 60t , 26q -6Z u l Snlrs Line r 714-?30-272? SalcsWebsite: wwlv.ndscorp.corvstles

-,\i\4.{44+of,[4

\!rr, o r \ lr o' 4 TRI , STEE SALEs REP R E S E N T A T I v I :

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Qllo tfial:f c o?Y i"

642136 :':l'!rcli lllllllllllllllllllllllllltllllllllllttl

Elhlblr a NDSC Nodc! of Srle Add.ndum

NDSCNo. PROP.ADDRESS

: :

I0-32612-WA-NV l2l COPPER ST

ELKO,lW 898014427 ColiNl"l' : ELKO

LEGAI. DESCRII,TION : Lor 17,Blork J, ofAUROUSESTATES sUBDn4flON,.cqodingro rheomciat nlap!h.reof.filcd in thcoJfrcc ofthe County Rccord.r EIlo Courty,Ncvadr. of o! SeprcrDber 1980, lilc Numbcr 16, ar ll852l, atrd.!F!dr&nt fi9i9lo rccoded febiraryI J. 1983, Book in 415, 4 Pag. t l, FileNunbr 1?340 t, Otli(ialRccords. Courty, Elko Ncvda

lllllllilLlillLlllllllllllillll llli 642L36

sTATEOF ARIZONA COUNTY MARICOPA OF .r,e, I Jan Claxtan, Notary Plblc for sa d Staie, Of '\ a ,201T,belote persoaally appeafedryle!g&l!l&4| who perconally knownto me (orwho provedto me on rhe baslsof satjsfaciory lo whosena're(s) is/are evjdence) be tho person(s) s!5scr bed to lhe w Ihin nstrument and aoknowledged me thai he/she/they 10 execL.rtcd ife sameh ir s/h/their authorized capaclty(ies), thatby his/her/theif and srgnat!re(s)orl theiislfi.rment person(s), the orlhe entity upon the behalfofwhich person(s)acted lhe execLried nstruanent. I cerlfyunder PENALTY PERJURY OF lhe undef lawsof the State Arizona of lhalihe fofego is irueandcorrect. ng

a\'1

ANDOFF]CIAL WITNESS MY F]AND sEAL

2 3 4 5
6

7 8 9 10 lt 12 t3
14 l5 l6 17 18 19 20 2l 22 23

25 26 2',7 28

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

Auguet

16,

2 01"1

IJoan Nunltrer :

aa4629929=

Terrence Alaggia tzt copper sE Elko, r,IV agaol 4421

Pronertv

Addtess:

121 coPPer St, Eiko NV a 9AO1 :

Dear Terrence

Alaggia

The above referenceal loan has been revielteal for the Mortgage l-ss:s:ar'ce we are :t1ai !e :9 P1an. afce). ca.refu] congideration of your gituation, proceeC lriEh the modificaCion lequest at this tine.
_':-e Ple"lse note Ehat during our revielt of your si.EuaEion/ we sus-De._..ec p : o p e : :; / ' r j l . The fo re c lo a u re p ro c e s s a g a j. n s t E h e Ior e clo su re process. we wanL to ensure every possible opportunitsy Eo asslsE you d.-:j:r.? ::-:s diffr-culL cr-nre. If your abillty to make pal,1nentg should c:-a::::e :.r' ::.c futurc or if you ar-e interestea in learnin| more abouE sho:: saie options, please coneace us iinmediaeely. rf you hF-ve any questions regarding the foreclosure p!'ocess. :-ca.:e con L a ci us at 800-282-3458, e x t e n E io n 3 3 9 6 9 . O u r o f f ic e h o -t s a : : e M on d a l Lh):ough Friday, 9:00 a . m. t o 6 : 0 0 p . m. E a s re rn T ime . Foreclosure Department

NoTICE: Please be advised bhaL Wachovi.a Mortgage may be a::ea?::.-g :. collec! a debL. If you are currentsIy irl bankruptcy dr you:: ciebt ::as be e n dischdrged in bankrupt . c y , Wa c h o i/ ia Mo rt g a g b i3 o : --y e z e r: : s r : ; ri:s r'rghts agalnst the property and iE not attempting i:o hcid :/..tr pe r so n a lIy lrab-Le on t.he No L e . ffc7 45 0 0s vB 4

I 2 3 4 5 6 7 8 9 10 II 12 t3 14 15 l6

t7
l8 l9 20 2l 22 23 24 25 26 2'7 28

66I)" EXHIBIT
D4VID D, LORXMAN. f,SO. (7r)rM606 .: .Ax oxtrarr

10

July

13,

2 01i

Loan Nunber:

aa46299293

Al a g g i a T er r enc e s! 12I Coppe l 4421 ir v a g Ba ! E t k o,

Dear:

Terrence

Alaggia

3h')/ te That,is you reEain your home. vle are conr,nitted to helping '_re in fhe itome your moitgage for eligj.biliLy ewaLuating currently prografr I'gelrp'), the-!erms modify would thich ModificaEiAn efiordabie :I fo\:! oI \our loar "rnct rnake vour mortsqaqe pavmenEs more aftordab:e' r^e will cor-cLnLe L:-e ,.-i' I',. o"". orewioL-rsiv reterr6d-co'I6reclosure, :{o':/eveL/ nc pr-ocess whi-Ie we evaluaLe your loan for tlAMp. forecLosure roro-locL-c iale wilbe c onducEed and you !,,i11 noL lose you._.ore during Lhe IIAMP evafuation. HAI'IP El iq![!}_!qt If you are efigible will receive a Triaf
:m^,,nr' / 1 , ic u, l l

perlodr'. You for HAMP, you will into a "trial enter paynenE Period pfan $rhich will conLain a .lew irial
l

r^m^^rrr;

during

the HAMPTrial

i rrc t

Perj.od Pl.an).
r- i nt nrv-Fr-

' ---J a g e p ? y : r e r - : To accepL Lhe Traial Perird Pl.ar_-,

hv r-c^ due d3.,e . :f

your Loan \ras previousLy referred to foreclosure, once you accep: Lhe Trial period Plan we wil] halt the foreclosure process as ian' es jau
.6nfinrrF f^ n :t^ \/^ ,,r r a ^ ,r ra7i rrr:1 nl zn

If yorL do not qualify for IIAMP, or if you fail to comply with :he trerms of the Trial Period PIan, you wil] be sent a Non-Approval l\totice. I:r most cases, you niil have 30 days to revielv the reason fo:: ::or-apprc.ral
and

pe r io d we may continue with p e n d ln g f o re c lo s u r6 foreclosur:e sale wifl be conducted-and you will

^^.--vre been prevlousty ref erred r" i.;;;i;;;;.i

c onLd c [

us

Lo

oiscuss

an\,

.' ^!

-;";i'g;h;.

m> 1. h:1,6

:o :aii'i",ilii

"-'

a c t io n , but no not Lose ycur hone.

Im p o +- I c-Do no- ignorc any f o re c lo s u re o o L ic e s . The ItA,\tP evaluaLion and the Eidde-s-F-df-T6E6ET6EJre mav Droceed ;t rhe san a Ei 1-a. wo* may receive ? o re c lo s u re n o t ic e s o r y o ir ira y s e e s t e p r b e r n g Laken to proceed with a f o re c lo s u re s a le . Wt rit e v o ir wr! l i r o _ ! l c s e you r ho mc during_the ltA Mp e v a lu a t io n , t o p ro t e c t y o u r rig h t . s : : rd e r a p p l - c.b:le oreclosule -Law , y o u ma y n e e d io re s p o id t o c F . e . - f c _. e c - o s : . .
nohic es o! Lake olher

conseque.lces of the foreclosure, you are encouraged o r ho u sing counselor for as s is t a n ie _

I,HO 2 O OO1 DEN

a c E.i o n;.

rf-you

do

nots u;derscaad

tshe i eg al

to con:a::

Z :-a,,,t.1e:

Alaggia aer r enc e oo46299293 . J uly 11, 2 OX 1 P age 2

p e r' i o d - a uu L422 !r yau c a n n o t a f f o rd t o ma k e y o u r c t ia l Si fliu ls A represeniatlve in your home to rir*ain iiui..t=,-lri-"a.ti a you Mon d a v L f iro u s h F rid " v , 9 : 0 0 a m t o 1 rrc 0 p n ' iJ-"t"ise ;;i ;i;;i" o r if y o u h a v e an d sacu rOay, 9:oo a-.m' to 6 : b o p . m. ; E a s t e rn T ime . your home, conLict usi we-have other optiorls that ra7 au.ia"a t" ie.*'e if yo'l Ilave any Additionally, l. iur" to help y'ou avoid foreclosure. (or other legal notices Lhat you quesLions aboui: the foreclosure please call us fot a s s is t a n c e . ie ce ive ) , You ca n afso call
. F. . h- -

the llome o wn e ri s HO P BHo t lin e

ThFv - r , , nc Ft r r d .F.c, ff-c

at

1 8 a a -9 9 5 io ? t
HLr---rE:f_fcd

.46,43:

counseling serwices quesElons you nave. sin ce r e ly,

Sharon Zr.llrig.f senior vicc Pres ident wachowia MorLgage

in

English

and Spanish,

and can help

a:1si.rer an,r'

you.arc currcnLly "li-tii.a in bankrupEcy or youi debc ha been drsahaigcd rr bankrlrptcv, jts tvtortgage is exercising righLs aqaii:st :he .Wachovia properr y .1r:d rs not aLfernpting !o hold you personallv liab:e or, :_he NoE(i, tne m.jy reoo):r tnformation about tour accounc ro cr*o. missed paymentss, or oLhei defaulrs on yor.rr accounL n.l/ llr:_.!*I'l:,1:", rre rcr rc-:ed rr, youl- credrc reporc. with respecL to staEe-RosenLhaI those foans located Fair DebL CoIlec!ion in Lhe State of Caflfornia, che practices Act and the federai Fair

a debl anct any informario;

Pfease be advised

that

Wachovia

Mortqaqe mav be attemptrrd -i"!-r"-i'";;

f...ite.h

i;;-;[;;";";;";;.--:;

ll:1. . u su L

P ra cti ce s Act r equir e r har , excepE Lr dcr cr r cr ns ta- - - e- - , vou before 8 a.m. or af E.er 9 p.n. :b)e./ :ey you by usins rhraars of wiorence o, by l:!^li:.:: laDguage. oDscene collectors may not use fafse -;;;;t "; "=.r,s or cal..LyorL at nork if they know, or have reason or misleadi:9 ":it"."niu to know, th;t ycu may not receive personal cal.l_s- woik, por tt,.'-^"-Jt. -p"f at. l , co11ecrirs ma7 t"l :::l-!9119 ". co.rrecroys.!1mFy r)oE conLdct

'- 87 7 l r C-HE L: or !.,wrr.Jrc.q g v . L HO 2COO1 DE N

:l::.r VrL -l udgnenr. For mo r e in f o r m a t io n u u o " i d rr .Lce -ares /y ou may c ontaet t h e F e d e r a l T r a d e J . 6 i " " f i" . . ir " - - c o m , n is s io n . a

l^il::lr:j^pillolt LUt-Lecrors may

contac L a n o t h e r p e rs o n t o io n f irrn

orher than your ar.Lorney spouse,abour7or:. 6r

v o l' r to.,ri^F

"

.y

'-

I 2 3 4 5 6 7 8 9 10 1l 12 l3 t4 l5 16 17 18 t9 20 2l 22 23

26 2',7 28

EXHIBIT "E''
DAVID D. LORf,MAN. ESO. or) a3 666 + rAx crtr4Tr

DOC#; : , 09/29, i

646096

R ec or s i official I Lst TrfLi Ac:fiaYltc. El ko County - NV D luike Srdales Recorder BY R! CO R t)l N OR E Q U ES T ED i \'I-A"IL : TO WIIEN RECOITDED Wrlh Fr'go Barl., N .\. s r h, \ nt o n i o , T X 7 8 2 5 1 IOR\\ARI) iAX STA-IEMI,NTS TO: Wcrls[3rgo 8anh. N. .
sM \nr ot r io, I X ?8251
2 P aqoj 1ol R ecorded B t N R

ill lii 'F.: 11 ,)i r: \71. ta,

ilililtililIilillillil ilrililtililil
*646096"

Ar^_:001-SS9-017

Nr)sc )o : rir. i o.rx \r. :

I ritcirn.. \o :

r0,i2or2-w^-Nv t)aab}2e2ej
luu58r60./

']!it !!$t'-q"t!! E being asan fecorded AccoMMoDATloN no oNLYwtth

Reprosontation to it3 ofigct upon title" sE

' l' r ' r it . r l r\ rS 1 0 5 -9 0 lh. i; r i n :.. h e rc i o W.4 SL h c l c n e l i c i a ry l lhe irnrun{ ul'rhc orprid dctrl wasS224J05,93 lhc rnro$l l d b) lhc GranlccwasS180,605.00 lhc pnn r| i y i e i n rh ' j c i ty o f EL K O , C o unryofE LK O,S talof N V . e

]IITUSTEE DEBD UPON SALN 'S

NAtnrhl Dehuli Scrvic g CorD,)ration,ar Arizonr Corporntio , asrhc duly a!poi|rcd lius!c! (!r s"Locss|'r liusrrc or Sub\rj!"rcd'liu s|ee), undera Dedof Truslrcferredro bctow, and hcre caltci in 'l rirre! . docshr'c!) srarn wirhoulanv covcnanr \a-naniyro : or W r ll\ f N rg . 8 rrl i , N ,.{ , lic:!i).i:i.d (jranr.., rho tollowingdcscribed proFrry rcrl situaled ELKO Couno.: in

Lor l:. alocl .r. of UROUS ESTAI [S SUBDIVISION,accordirg to the otficiat t".D rl$eol fi1ediD rhe ofnce ofthe Courty Recorderot[lko County, Nevrdo, or S ( pt .n rb c . 1 6 .1 q 8 0 a s F i l c N u ml c r t38521,ud omerdh.nr drcrcto , l r c q) f llc dIr.b ru n f) I S, 1 9 8 3 i tr Bo o k .lt5, I,s8e , 41t, Fi teN umbcrl ?3401, Oilkil)) Rc.ordr. lluo County, Neyrda lhr ( : r D \c \r' ,c . ;ern a d e u rs u a n r i h elow crscorfened p to upon Trusrc sai dD eedofi rusrcxecl ri dbr by I IiI{RE\C!] :\I,AGG]4, A MARAIED MAN AS HIS SOLE AND SEPARATO PROPERTY . ;: l rusr".r. r..ord0d on 1,6/18/200? Instruncnt as No. s75479(or Book, pago) ofrhe Official Recods or' ! : l- X O C o u D l !, V. N l\ii rcq!iclrci(s of law regarding rccording maitingofcopicsoflhe Notice oaOcfauk and fteclior tlle and ro Selr.rlc rdcording, rrailiDe,poniDg,andpubljcjtionoflhe Noticeof Trusrces Salehale tecr coor:)rc.

'.'

11rIS IS AN LDJOIfIaI;:

.!P]_ rr'

')t 6460e6"'! lNillilllltllllilllllillilllllllllll{

i t:,

?ogu 2 -l ::rcf s Dlrd UponSat File 10-326I2-WA.NV )ll)SC No. :

whh said in Nodoe Salc ofit5 f stee. comoliaoce said ofTrustoe's andin Exercise poqcrsunder D.edof prope{yal lublio auction 0920/II Glantcc, ll uJr on being highesl lhe bidder said al sai. soldsaii-trcal for w8s becoNrhet\schiscrofsaidpropcny thcrjnourtbid,wbicb arnounr S1E0,605.00.
NalioDal DofaultSorvioing Corporation. ArizonaCorporarion an

By: ^tr..

,v'o(lfr-\. ' t .db, Trurte SrlcaOlfic.r

pir : . *, ' l \rfF (r' c d !]!!-L a !]b F rs o n a l tyknow ntomebc{orpi 6vcA romcoD rhebasi \ors r,stucro,. cvid\.D!c) be lhe pcrsonwhosenamci, $bscribdlo thc wirhir instrumert ro and acknowlcdscd l|1ctlrt ro shcexcculed samin ltr sutiorizcdcspacity, tns(by hcr signarurc rhc ins.rn,"n,ir," p.,,,,n. o, rhe and on rh<Lr.ir\ upJr,bejhlf of *h ich lhr person acLed, r.rred lnstrumcrr. cNcc rhc

.. 'r"

a^ - aL!

__.

:011_,berrre An.txa-D. ( l&i lhe,

. aNcrrry F,btic j:r,d ro, S.x,r

\vllN"ESS hand ofticialscal, nr) and

DOC#9 , l 0 IDV-646096 a i !:r : 09i2

Official
l 5I

Rec or d

S I7\TE()]: NTVADA OP DNCL,A.ITA-]']ON VALUE FORM

I A \ s ! ss o rPa rc e l N l mb e r(s ) . , 0 0 1 s i 9 -0 1 ?

Elko County - NV D Mik e S n a le s - R e c o r d e r

P ag: i oJ 1 R e.o.deC 0! \R ;:.r c.i i r : 5i :.4' l !:1i .1

TI rLE A C i i (\ 1^" 4.

a) cl e) 9)

b) o)

SingteFam.Res. FORRECORDER'SOP fl oN A L. U S EoN i -' f

Book:

Apt Brdg

0
h)

Comm'l/lndl Mobilellome

Date Recording: of Notes:

l.

3 b c J

L-onivrluerSajcs lrricc olPropsrty Dr.Lj ,Di.i(r DfForccjosure Orly (valueofpropeny) li rl e f l n r V a l u c : x lt r i ) l ):o | e rl !-J Ml rs l e r-faD u c

$ 180,605.00
_) $180,605.00

r .ll-Er!-u2ri,!!l:4!r-e4:

$ 705.90

. lr ' - ir L li\ l: . , J , ip' ior , t c r NRS l_5 0 {'0 ,_ h E\flr lf l\ ed$i lbr t Nc nr pr ioD:

l,r|l|)l lrt0rcsr: l,lrocDt gc bing transfened: __70 I h0 rhdcrsiAncd dccbrr rttd ldorowlDdgus, undcr lornlty ofp.rjuryt pursoanr (o NRS. ]75.060 rnn ]RS ri5 ,r l0. r ht r rdr ! int or n. r ion p. ov id. d i3 . o . . e c r t o O c b c a r f r c h t n f o . n r ! o n n n d b c l i . ( . r d c i o t s o sur'}l! r r ( l hr do( ! $c nr r t nnr if c at t dd$po n t o s l l r n t t a r c r I . I n t o r d r r i o n p r o v i d c d h r r e i n , F u h c . h o r . . r h r p rnn s Nt r c ct hr t dM llown, ' c t of nr t ( l$ i n c d c r c m p r t o no r o t h c rd c l . r n i n o o o t ro r . J L t i n 6 n , , tr 0 r d t r c .n r i \ . r$n i, r I nr t r 1h] 'o! t 0"4 of r hc t ir d! . ft l s | r t . r c s I a t l % p o . m o n t h . p u r s u i n r t o N S . l 7 i . O J 0 .r t , cD U \ c r rn 'r s.u. ' s r ir r rbr t . int r t . r it l s c v $nf iy li i b l . f o r n r y . d d i r i o n . t r D o u n t o r c d .

&paciry Crdrtor Cap.city Cranlee AUYER (GRANTEE)'NFORM^TION W.lb Fargo Brrk N-4. 410r \Vired$n !lvd S rn A nl ooi oTX 782S t

s_)tl,l,IR fCRAN'l OR] INfORMAIION I r li( , ' rl D c ' ,u l l Sc n i .i rg C o rp . r r : 0 \. rt S Irrd , S0 i tc1 0 0

COIIPiN!

Jl,I:llsOri RXOUiISTINC RDCORDINC (reouiredtf not ,a cr or br,ycrJ

Addr$s:
(:il\'j

'LTniiLTs:dody;IF:-l?20 El CaminaRcal
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Requested by: Recording

Name Address

48ZZGalaxvParkwav SuiteI

OH city/state/zipCtevetand, 44128

DEED TRUST OF
(Titleof Document)

for submitted hereby affirmthat thisdocument ..-X, the underslgned, number. security a not recording does contain social for submitted hereby affirmthat thisdocument l, the undersigned as of number a person required a security coniains social recording (Law). by law:

by required NRS additionat information added provide to ThisPage 'l-2- (Additional fee recording apPties) 111.312 Sections

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RECORDINGREQUESTED BY; $oELD SAVTNGS Bin|'(

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Record& Return to: [,4ortgage lnformation Services 4877 GalaxyParkway, I Ste Cleveland, 4-4128 OH

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OO{6299293 LOANNUMBER: NOTEAMOUNTT $183,50o.00 ASsEssOR's PARCL Nstvlsgq; gOl - 85Q-Of I

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USE ONLY FOR RECORDER'S

OEED TRUST OF

THrS rS A SIBST DEEO OF raOS! StC!'IIES A NOrE rfHtcti WtICt{ CONTAINS IROVISIONS AI,I'OWIN6 FOR CH.AITCEI NT MI A!'OSNT AND FRINCIIA! PAYIdIIIT BAI,ANCE (INCLUDINC AD NCES AND DEEqRED S AT llltEF,ESI). ',ENDERI OPTION IIIE SEC('RED TVC'IE I{AI BE REM'ITED OR REIIEGOfIAITE]D. 'OTI'F.E .I1IE MAXIMUM AGGRqGATE PRINCIFAIT EALANCE SECVREO BT TSIS DEED OF 4IRVST IS wtllcH ts 125d or arlE ontGINAh PRlNcIPAr, NOIE A,lirOUm. 9229,3?5.00

I.

DEFINIIONS WORDS OF USED IHIS DEED IRUST tN OF lA) Securig fnslrument.Thls Deedot Trusr, wilch is daledJun67i2fr7 wrll be calledthe ''s-Ac"nry lns.runerr.' llAfftrD Untvx yZ/ (Bl Bo.rowe.. TERRENCE aLAGGIA,AltlJNt ARRtEdrh soheilhl'o's be ca/led v/ill .Booowci'and somelrmes simply "l'or "m." .t-{ ado\ 3a P4''o'+e ? ( o fJaf 5't c\S ;F ^i6

WoRLD sAVlNcS 8ANX, FSB, lls SUCCESSORS {c) Lender. AND/OR ASSIGNEES, be calied'tender' Lendoris a FEDERAL will SAVINGS BANK, which oeanized exists is snd underlhe ofthe United laws Slates. Lendeis address 1901 is HanisonStreet, Oakland. 946t2. CA

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(0i Note. The note siqnedby BotTower havlnqthe ssmo date as thls Security and Instrumeni, including exensions, all fenewals, substi&tions modifrcatlons and ftereof,wi be cllert 1ne "Note." Noreshowsthat I oweLendef odginal The pfic.ipat the anountot U.S. 9183,800.00 (',Note plusaccrued AmountJ, and dofei[ed inte.est sucholhsrqmounts slatedin the Not | have and as promisd paylhedebrin regulart ro pr,odic payments provilred theNoteandto paytbe scfieduld as ilr deblin tullbyJuly 1, 2037('Matun!Date').
blow in Saclion lll entilled 'Description of the lE) P/ope.ty, The prope.ly lhel is desc.ribd Propenywill be calledlhe "Prcpeily." lF) sun]s Secured.The arnounts descdbed belowin Sectionll entltled"Borcwefs TGnsfer ol Riqhtsin the Frooerly"sometimes willbe catted the.SumsSecured.,' (G) govemmental Person.Any person, organization, aulhodg orother partywi be caried

(Hl Trusto,, Beneficiary,Trugtee, Bonoyver the "Truslor," is Lenderis the , Beneliciary'and GoldenWcst Savings AssociationServtceCo.,A CatifomiaCorporation, is the ,'Ttustee.

AORROWER'S TRANSFER RIGHTS THEPROPERry OF IN linevocably orant and conveythe properlyto the Trustee, tusl for Lender,with a powerof in satesxbject thc ie'|ns of thjs Security to hstrvrnentThis.neans thal byslgningthis Security lnsltumeot, I am grvlnoLendarand T.usteethose rigtrlsthat sre statodIn lhis securily lnst|lrmentand algo those righlslhat the lew givcs lo lenderswho are benefrciades a deed ot trust and to trusteesof a deed of ot trust iam Oivitrg Lenderand Trustee possibletossesthal mightresutt theserightsto protect Lenderfrom rf llaillo: (i) pay all amountsowed lo Lenderunderthe Note and all other noles securedby this Seclrly Inst.urnent, called lhe 'SecurcdNoles,"including ftjlure advancesmade by LenderAnd any chenges lhe SccuredNoles madewiththe written 10 consent Lender; ot (i, pay, with inlercst,any amounls lhat Lenderspendsundo. Paragraphs and 7 belov! 2 lo prolecllhe vatre ofthe Propenyand Lende/sdghlsin lhe property;aod (jli) keep aJJof my other promtsesand agrBsments undef thts Secudly Inslrurnent, ih Secured Notesand any changes the Secured to Notesmadswiththe Mmen consnlof Lender. IIIDESCRIPNON THEPROPERTY OF lgive Trusree dghlsin the p.operiydescibedblo$/:

II

(j) Thc propety which is localedat i21 COppERST, EL(O, NV 89901-442?. The L6gal clscription rne Prope(y ts attachedas Exhibn,A" whiohis mad a part of this security Insfumen(. of propedy.,, This Propfly calledthe "Doscribed is

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0o462gg293 (ii) All blildings afd otherimpfovements arc localedon the Descdbed lhal Propedy;

(ili) All dghls in other properly Propedy.Thesedghls lhal I haveas ownerof ti6 Described 3re knownas easemenls, righlsandappudenancos to altschod the Propedy; (iv) All rentsor royallies Property; and otherincomsflom th6 Descdbod

(v) AIl mineral oil and gas rightsnd profrts, water rlghls and slock lhat rE part of lhe Descdbed Prooertvt (vl) Al riqhtsthai I have in the land\ahichlies In th stroelsor roads in fronl of, behindor ne)dto, lhe Oesc.ibed P.ape(y; (vrl) All finures lhal are now or in the tuturewlll bs on lh Descdt,edPropertyor on the propeny describcd in subseclion liD ollhis seclion; (vil) A I of the .ightsand propedy (viD (ii) described subseclions throLrgh of lhls Seclionthet in in I acquirc lhe ftrlurei (jx) All teplacements or additions lhe property (ii) of lo described subsections though (viii) in ol lhisSecton:and (x) IV. Alloflhe amountslhat I payto Lender underPaEgrepi 2 below.

BORROWER'SRIGHT TO GRANT A SECURITYINTERESTIN IHE PROPERTYAND OBLIGATION DEFEND BORROWER'S TO OWNERSHIP THE PROPERry OF promise (i) tl'ralr | lawfully (ll) own lhe Propedy; | hsvethe righllo grantand conveythe Frope'1y lo Truslect and (iii) lhere are no oulstanding aqainst the claims,cha4es, liens or encumbrgnces Propefly, oxceplfor lhose$/hichare ofpubllcrcod. for I gn/e a generalwarrantyof litle lo Lnder. Thls mrns thal I wlll be tully responsible eny soneone otherthan$ysolf andthe Trusteehas sorneof the rignts losseswhichLndefsufiersbecause \,vhich promjsethal I have. lprcmise that lwlll defendmy ownershipof lhe Prope(y I in lhe Properly any ot againsl clajms suchdghls. COVENANTS I promise and I egreewith Lenderas follows: I. BORROWER'S PROMISETO PAY lwjll pay Io Lendcr,on time, sll pdrcjpaland intorcslduo under the Secufed Notes and any prepaymenl lale charges and due underlheSecured Notes. 2. PAYMENTS FOR TAXE9 AND INSURANCE

lAl Borrower'sobligations prmiunE on lhe lwill pay all amounls neqessary pay taxs and hazad insuaance lo (lf paymenls, groundrentsor modgagsinsurrncepremlums Properly well as asscssmenls, as leasehold

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Escrow Accounls Sublectt0 applicable iaw, no escrcwsha b requkedBxcBptupon wdttendomand by fendor, jn whict case,I shaltpay to L6ndea th day pay,nents dug underthe Note,untitthe Note on aae is paidin f!)1,a slnt ("Fonds) foft {a) yesrlylaxas,penaliies and assessmenb which may antnprioity over lhis seclrjty Inslru'nont as a tion on the propefly; {b) ysady toasehotdpsyments o, ground rents on lh Propedy,if anyi (c) yearly hazErdor propenyInsufancepremtumsl(d) yearty itood hsufance premiums.it eny; and (e) yearly mo.tgage InsuranceprBmiums,it llry. Thes6 nen6 an6 cafid ,'Escrow llotn-s," Lendermay, at any tirne collectand hold Fundsin an amountnol to xceed tne maxmum amou a lender for a federally relaled modgage loan d|sy require tot an escrow accoud under lhe federa/ RealEslalesentement Procectures of j974 Es smended Aci fromtime to 1ime,t2 U S.C. S 2601 el seq {"RESPA),onlessenolhertawlhal applies tolhe Fundssets a lesseramounl.lf so, Lenoermay, ar any rfine.coLlecr hordFundsin an arnoLrnt to exceed lesseramount.Lendrmay esrrmare .nd not lhe tie amounr Fundsdue on tho basisof cunntdtaand reasonabre cf esrimates expendirures of otfuture Escrow ltemsin accordance with appliMblelw, The Fundsshe be held in an tnslilution whosodeposits insuredby a feoerarsgency ar6 rnstumenlalily. enlly (including or Lender. ifLender is suci an inslitulion) in any FederelHomeLoo of Bank.Lendershallapplythe F!nds to paythe EscrD!! ltems.Lendermay not chargc me for frotdrng and applying Funds,annua y aoalyzjng escrcwacfount,or verirying Escrowllems,untessLender lh the lhe paysme rnlercslor1the Funds anct/or applicable permis Lendor{o mako Suche charoe.Flowever, law Lendermay requirem to pay a ooe-tifit chsBe for an indpendenl real estatetax aeponrng SeMce lsed Dy Lender in confection wlth lhis unlessapplicable law provjdes otherwise Ljnlessan agreemenl madeor applicable requires 'oan, is law interest be palcl, lo Lendr shall not be requjred pay me ro any Inlaresl0. earnings lhe Funds.Lendershrll gtv6 to me. withoulcharge,an annuataccounring on ot lhe Funds, showfr!credils anddebits the Fundsandthe pumose whicheachdebitto the Funds to for was made rhe Funds are pte.lged as addltjonal securityfor all Sunts Secured by this Secudly lt lbo Funds hetd by Lenderexceedth amounts permltted be hetd by appticab/e to taw, Lenoer siaLlacco!nlto fite fot lhe ercess FundsIn sccodance with ths tquirements applicable of law, It lhe amount lhe Flnds hed by Lenderat any time is not suffclentto pay lhe Escmw llems wnen oue, ol Londermay so nolily me ln wrlllng,and, in suoh case I shall pay to Lenderthe amounl neoessary lo make up thc dlicicncy or shortage. I shalt make up the deiciency or shortage in a@ordaoce with lhe requiremenls iho Lerlder. its solediscretion, the manner timespaescribed RESpA. of al in and by Upon payment in full cf all Su s Securedby lhis Security lnsiturnent,Lender sha prcmplry retundto rne any Fundsheld by Lender. underpaEglaph2E,Lendershafiacquireorse the tl Property, Lendef,p.iorto the acquisition sale oftho pmparty, or shallapptyany Fundsh6ld by Lenderat lhe time ofacqLlisition sale as a creditagainst or lhsSums Secrrrect lhls SecurityInnrument. by

APPLICATION BORROWER'S OF PAYMENTS Unless appltcable aequhes law otheNise, Londer applysachof my pgyments will underthe Secured Notsand underParagraphs and 2 abovein lhe foltowiflg 1 oK,erand for the following purposes: 3.
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0045299293 Fnsl,10pay prepaymenl chaees d!a undertho Secured Notes; second, io pay any advanoesdse io Londer und,er secudty hstrument; tiis Third, pay the aftounts due lo LendorunderPaEgraph abovel to Z Founh,to pay interast duo undefthe s6ou,edNoles; FiRh, pay defefed Inte.esl io du6 mderthe securodNotesj Sixth.to pay pdncipal due underthe SecrredNotes; Lasi,10pay lale charqesdue underlhoSgcurad Notes. BORROWER'S OBLTGATTON pAy CHARGES, TO AS9ESSMENTS AND CLA|M9 I will pay ll laxes, assessments any othrchrgessnd fine6thai may be lmposedon the and Popertyan.,lhrl may bo suprioftothlssecudtyInstrument. 4. I wt{ also fi\qke paynnts due undet my leqseif I am a tenanton (he Propertyand I will pay gtuundrenls (if any) ouo on ihe Property. lwlt pay lhse amountseiihor by makingthe paymonlsto Lenderlhalare descnbecl PaEgraph2 aboveor by making paymenls time lo the Personowed in the on Any cleim,demendor charcethat is oade agatnst proporvbecausesn obligation hss nol been fulfilledis known as a lien- I will pomplly pay or satbty all tiens agahst lh Prcperty that may be sope.ior lo UrisSecurilyInstrument. however,lhis Scldly lnstrument does nol requirme to satsry a sup.ior llen if: (A) I sqree, i0 writing to pay thg obligation which gev6 riso to (he supeflor 1i6nsnd Lender apprcvesiD writing lhc way in which I agree lo pay that ouoalioll: oa (B) in good faith, I argue or defend agaidsl superior the lier in . lawsuilso that,during lawsuil, superiotlien may nol be enforced end the the n0 parl of lhc Propcrlyfittrslbe glvenupi or (C) | securc lrom tho holderolthat othef lion an agreement, jn approved writingby Lender.that lh lienof lhls Socority lnstrumnt superiorlo the llen held by thal is Person. L6nderdetennines lf that any partollhe Propeny subieclto a supedorlien, Lendermay give is lo me a nolioeldenlilying superior the lien of take one or moreofthe llen.I willpay or sallsry suporior the actions for'lh abovcwithin10 days ofthe givingof notice. sct OALIGATION MAINTAIN BORROWER'S TO INSURANCE Al my sole cost and expense,lwill oblainand malntain hazardInsurance cover 3ll buildjngs to Th insu.ance musl andolhea improvemenls now aaeor io lh futurewillbelocated lhe Proporly. lhal on cover loss or damnge caLlsedby lire, hazards normallycavered by "enendod coverage"hazard insuncepollces aod cther hazsds tor which Lenderrequkescovetage. must be in the The insurance amountsand (or lhe pedods of time requircd by Lender. | filay chooso ihe insurance company bui my is Io Lndrmay not refuseto spprcvemy cholceunlssthe rfusalis cholce sub.Jecl Leddeis approval, pollcies whal is knownas a reasonab Al of thoseinsurance e and rcnewals must includB ofthe pollcies Slandard Mortsogee Clause lo protect Lender-Th6 form of all policies and .enewals rnust be requires, |\4ill lf and renewals. Lncier acceptable Lndcr Lenderwillhavethe dghtto holdths pollcies tc prcmplly give Lenderall recelplsol paldprml!msand lenewal noiices lhsl I rcceive. 5. lf t ob(ain carthquakeinsurance,any olher hazad Insurance.crdR life andlor disebility on Intumnce, any oihr insurence ot relellng th6 Properly or to orth Secul6dNotss and which are not pmceeds. specifcally required Lendef,I willnameLenderaslosspayseot a,ny by

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company t lf thereis a loss or damageto the Propedy. lyill pomptly notifytho proprinsuranco and Lender tl I do not promptly p.ove.lo the insqaancscomponythet the loss of damaqe occltred' then will Any The amountpeid by the insurance is company called"Paoceads," Procedsrecoived be aDDliedtiNt lo rcimburse Lender for @sis and s)oenses Incul|td lo @nneclion wJth ol{aining tll ln es may determlne its and proportion Lencler and Proceeds, lhen, at Lendeis oplionand ln the oralor sole and absolu(ediscretion, regardless of eny imDairnent or lack of irnpairment of scority, es follows: (A) to lhe exlental/owedby zpplicable law, lo tho Sums Sqcud in e mannerthat Londerdetermines oa of andlor(B)1othe payrnenl coslsand etpensesof ne@ssaay of napairs to tha restoratlon the ProPerly to a conoition satisfactoN Lender such aDolication bB made ln the manner and ai th times as to to bv determined Lender. li I abandonthe propertyor lf I do nol answ6r,whhln30 days, a notico trom Lenderor the insurance crmpenyslatinglhat lhe insutance compaoy to has ofieJEd sl{e a claim,Londerrnaycolled compsny. I ths Ptoccedslwijlnolify Lenderimmedietely ofany olterto stle a clalmflom the lnsuranc willimmediJtely deliverany Proceeds or lrecoivefom any insgaer olhet personslo Lender. Lenderftay use the Proceeds repairo. restorothe Froperty to pay tho Sum5Securodlo The 30-dayperiod,6/ill or beginwhcnthe noticcis qiven. ll any ProceaOs usedlo reduce amount ths oulstrndi0g are lh of blanceof the Sums Secured, lhal use will nol delaylhe due dai6 o. t'angerh emountof any of my regularlyscheduledpayments undcrthc Sec rcd Notes and underParagraphs nd 2 above.However,Lendornd I may agre in 1 Miljnq to dolays orchanoes ll Lenderacquiresfie Propcdyundef Paragraph below,all of my rights in the Insursnce 28 policies belongto Lender.Also, all of my rightsin anyProceds will whtchars pald tcause ol damage lhsl occ!ned behre ihe Properlyis acquircd Lendsfor soldwlll belong Lendef.Howev6f.Lendeis by lo righls in those Procedswill not be grealerthan thg lota, anour Ot lhe Suns Seqrrcd lmmedialely betore Froperty acquired Lenderor sold, the is by il I am required Lenderto lay prcmiu|'ls mongge by fof insurance, will py lhe preml!msunt I lhe requirefi)enl monoage insuranceends scaoding to fity wdtten agreementwith Lender or lor accodjnglo law. BORROWER'S OBLIGATION MAINTAIN]HE PROPERTY TO AND TO FTJLFILL ANY LEASE OBLIGATIONS I will kecplho Propedyin good repairinclldlng,but not timild keepinglhe propedyfree from to, dbis mold Iemites, dry rol and othsr damaghg pesls and infestations_ will not clestroyor | subslanlially clrange Prcpen) and I witl not allowthe propenyto dotedorate. will keep and nalnlain tlre I lhe Pmperty compliance in with any staleo.fdorsthsfifi on.ts;fety taws,enc,nazadous maieriats and nazadous wasie laws, | \4ill not use, generate,rnanufaclure store any hazardoLJs ot matertslsor hazardouswasle on, under or about lhe Pbpeny. I vvillhdeDnit, delnd end hotd harmtess Lende. ano its employees oliceE and direclo]3 andthelrsuccessoIs flm any clalms, dgmagsot costsfor rquired 6.

or necessery repairor the removet mold,termies,dry rot, otherdamaging of peab and infestatrbns and nazardous wasleor anyotherhazadous moletja)s clairn. ldo notownbLrt s tenant thepaoperly ll ;m on I will fumll&y obligations undermy lesse.I also agmEthat,if t ac4uire fee Lift to the prope.ty,my the lesse inleresl thc feeti{e wiltnotmerg6 eod untess Lendergrees meerin wrfting. tothe

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LENDER'S RIGHTTO PROIECTITSRIGHTI'II'I THEPROPERW lfl (A) I do not keep my promiss snd egreement! madB in thls secunly Instrumenl, or (B) includlng someone, nre, begins a legei proceding atfect Lende/s dghts ln the lnat msy slgnlficantly (includingbul not limitd lo any mannerof legal pmc8edlngin b.nkruptcy, ln Probate.ro. Property th6o condemnilionor to nforcclsws o. rqulaUoos), Lenoermay do Enclpay tor whatevel t deems or reasonable appfopflate proteclthe Ladels rightsh the Pfoperty. to Lend/s ectioosm3y include. withoullirnjlation, appeanng coun, paylngleasonablg in insuEnce requid atlolnF fees, purchasing uncler Scclion5, above (such iosuaance less coveragethan lhe insumnceI msy cost moreand provide mighl purchase), and nredngon th6 Ptopertyto make repairs.Lendermust 0ive m notlc before Lender may take any oflhese actions.Although Lendetmay lake scllon underthis Pamgraph7 Lender doesnol hveto do so. Any acljontakenby LenderunderthisParagiaph willool rcleaseme from my 7, oblBations undefthis secudtylnsirumeni I will pay io Londerany amoL]nls v/hichLsnderadvances 7 underthisParagr.aph wilh interest, al lhs inlerestrale in effeGiundr {he SecuredNotes.I witt pay those amounlsto Lenderwhen Lender sendsme a r)olice requesling that i do so. Inlrest 6chamount begjnlo sccrue on th dete ihal on will lhe ariounl is advanced Lendet Ho$/evea. by that are different LenderandI may agroeIn witing to teams fiom thosein this Paragfaph7. This SecurityInstrument pmteci Lnderin cas | do nol keep ihis will promise paylhoseamounts to wilh interest. RIGHTTO INSPECT LENOER'S THEPROPERTY Lefde., atd cihers authorized Lender,may enteruponand Inspeot by the Propedy.They must do so in a asonable mannerand al reasonable is limos.Betoroor al the tlme an inspection made, poDose Lender must slalnQ reasonabte a forth6inspectlon. 0iveme notlcc 9, AGREEMENTS ABOUT GOVERNMENTAL TAKING THEPROPERry OF I ass,0f io Lerder all my righls:(A) to proceeds all awerdsof claimsfor damagesresllting of fromcondemnation. emjnenldomainor othergovemmental tqki0got alt or any part of tn6 Propenytand (8)lc proceeds fiom i salo of all or any pad ofthe Property is madeto avoldcondemflalioneminent tfiat doman or othcr governrnental takingoflhc Property. Allofthose proceeds will be paid to Lender.lf I receive sqohprocccds I will immedbtely any deliver themlo Lend6r. lf all of the Property takcn,lhe proceds be usedto rcduca Sums Secured.lf any ot the is wllt the proceeds proceedswill be paidto rerrlsin afferihe SurnsSecuredhavebeen pald In full, lhe remalning me. lJnlessLenderanctI agre oihMiso in wriling,if only a part of the Propenyis taken, (he Surns Secured bc redLrced will only by the amoLrnt proceeds of lnulilplied the following by fraction:(A) the total amounlol lhe Sums Se.ured immedlalely lleforelhe taking,dividedby (B) the tair marketvalue ot the Properiyrlmcdiarely betorethe taking The rematndor wlll ofthe procoeds be pajd10me. ll I abandon Properlyor ifl do not answer, lhe withtn30drys, a noticefrom Lenderstating that a O.

governmeflal allhority cfiercd make payment tosettle olalm damage$, has to a for has or a Lender the aulhorily collect prcceeds Sflle Claim. |J the proceeds reduce and fie to the Lender thenusethe may Sums Secured. 30day period The whon willbegin ihenoticegiven, is

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payments lhe ctuedgls or chsngelhe anount ot atty of my regulatlyschedulcl thal use will not cletay jn 1 N;les and underPrcg|dphs and 2 abovo.However,Lenderand I may aQTg undsrthe secured or lo wdting delays chnges. 10. RIGHTS OBLIGAIIONS AND OF LENDER'S OF CONTINUATION BORROWER'S (al

pdncipal theecured Notes of proceeds usod reduoe amounl outstanding are the oflh Itany to

Bo.foweasobligat-rons Lender mav sllow a Perconwho lekes over my tights and obligationssubjectlo thls du !nder and of lo of secutty lnslrument delayorto chang6lheamount the payments Princlpal lnterest lnat Personand lhe secufedNolesor unc,er Security lhis ,nstrumenl. Evenif Lenderdo65thit, however, lwlli bothstillbe tellyobligated underthe securedNolssand!nderthis SecufilyInstrument fot '-endermay allow lhose delaysor changes a PeFon who lakes over my tiglls and agalnst lo evenif Lender s requested to do so. Lender not be roqulred bringa lawsuit not will obligallons, obligatlons under& SocuredNotesor undef this secunly Insirumenl. such a Personfor not firlnlling evenif Lnder requestod do so. lo 's (Bl Leodr's Rishts Evenif Lenderdoes not exercise enlorce or sny ofiG fightsunderthis Secudlyhstn me them in lhe future and onforce or undgrlhelavt,Lender\'vill stillhaveallofthose rlghlsandmay exerclse paystaxes.or paysolherclaims, chargesor llensagainstthe Property, EvenitLenderoblainsinsurancei Lendefwill h6velhe righl underParagraph belowto demand 28 that I make imfiediate paymenlin tull of th SumsSecured OBLTGATIONS OF BORROWER,CO-SIGNORSAND OF PERSONS TAKING oVER BORROWER'S RIGHTSOR OBUGANO'.IS Exceptas prolided below,lt morelhan on PeEoflsignsthis Securityhstrument as Bofiowef, in of!s is follyobllgated keep all of Boroweis promises cofltained this Seounty each to and obligetions Lendef may enforcc Lende/g rlghls under lhls Secudly Inslrumentagainst each ol us lnslrumenl. to indi\adually aoainslall of us together. or This meansthat any one of us may be requued py all ol the SumsSecured Any Borrowerwilo co-si9ns this Security In$rumsnt but does not execute lhe Nole (a grantAnd conveythe co-si0noas "co-siqnol) ia) is co'signingihis Security lnstrument to mortqaoe, only inleresl rn the Properly undBrlh lenns of this Security Inslru.rEnt; (b) is not personally obligalec,lo pay lhe sums securedby this seouily Inshurnenti (o) agreesthat Lnderand any otherBonowercan and agreelo extcnd,modjiy,forbearor make any accommodetions regardto the lenn of this Securily wfth InslnrneDl Nolewilhoullhe co-signor's or consenl. 11, Any Pe.sonwho tkesovermy righisor obligalions willhave elLof undefthisSecurjlyInstrument my dghls and will be oblgatod lo keep all of my promisesand agreementsnade in this Securily ldstrument have all of Lende/s dohtsand will b obligared teep atl ofLende/s agreehenlsnade will to Instnimen{. in thisScurity

Inslrument Srmilarly, Person lakes any who overLnde/s tfis rights obligations or undef Security

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5ii4n lilililillltflillllllllllllillllilllill
0046199293

colrecicd connecrjon rn wiih lre loan xceedpemftlcl limtts,theni (a) any such toan chaQo 6haltb rduced lie amounlnecessary rcduoethe charg the permittgd by to to limitsand (B) 6ny su(lu arreaoy collecledliom Bo.rowerwhjcJrexcededpermfrrd E wti b rfundedlo Boftower Lender may tin cnooselo makethis fetund by .educingth6 outstandlng pdndpetbalancof th6 SecurodNoles or by mskinga directpaymentto Boffovrcr.lf a relundEdlces pdnclpal, rducllonwill be treatedas a the psdialprepaymont withoutany prpgymnt charge undsrtheSgcured Notes. LEGISLATION AFFECNNGLENDERSRTGHTS lf a clrlnge in applicable wouldmake any provision thg Securecl lw of Notes or this Secunty Insttumenl lneniorceable, LeDder may require paymentin futtof all Sum6Secu.ed thal I makei rrnediate bY$is Security lnsrrumenl. NOTICE5 REAUIRED UNDERTHISSECURITY INS1RUMENT Aiy notice that mqst be gl\,nto m under tnsttument be glvenby delivenng ol thisSgcurity will it by marling by nrst ctassrDaituntessappticsbte rquiGsuse of anothermethod.Th6 noticewi be it taw addressed rne at 121 coppER sT, ELKo, NV 998014421, A noticewi,l be given to me ar an lo altematileaddressjf I give LeDder noliceot my Eltemative addEss. I may give noticBto Lenderof my allemalive addressin writingor by callingLendels clFtomersgrvicetolephone numbef provjdeat my on billing slalemenl I may designate y one maiting on purposes. address a time for nofltication st Excepras permdled abcvc tor changesot address,sny noticelhal rtrrsl be given lo fencler uncterthis Security lnstrumeol I be givenby mailingit by first clsssmailto Lendeis sddressststect Sec(on l.(C)sbove wi in entilled, Defi)jtions Wolds Used anthis De6dof Trust,"lnloss Lendergives me noticeoFa diffeaent oi sddress. Any ooljcereq!lfeclby this SecurilylnstrrJfiont glvnwhen ll ls mqitedor when it is de vered is acc.ordrng lhe req!iernentsoflhis Paragraph or ot appticabte lo t4 taw, GOVERNING LAW: SEVERABILITY This Security Inslrument and ttre Secured Notes shall be govemed by and construed under foderal law and fecleral rutes and negutations, inctuding those fo. federa y chartered savings institutaoos {"Federdl t-a!y"} andr to the erdent Federal LaVt does nd apply, by the law ot the jurisdiclion in which the Property is tocted, ln the eventthsl any ofth6 tefils of provisions of this Secl]rnyrnst.ument the SecuredNotes sre lnterp.eted @nslflJedby a couft ot competsnt or or jurisdiction le void, invalid or unenforceable, io such decislonsha afec,l only thos6 provisionsso or consttued inierprchdand shall not sffeotthe remaining prcVisions thls Securitylnstrument the or of Secured Noles 16. BORROWER'S COPY I acknoviledge receipl of one confonned the copy of the SecuredNotes and of this Security 15. 11, 13.

MAXIMUM LOANCIIARGES f thc toansecured this Secur{ty by Instrument subjeci a lew whichsets Flximum is to loan ciarges, and lhat law is fnally inlerpreted lhal the interstor othsr toan chargescolectedor lo be so

12.

17.

PROPERTY lf Lender payment fullor if I abandon Pmpedy, feqL,ires imme{,iate in thenLender, Pgrsons the oulhofzd Lender, a receivef by or eppoinled a coudal Lende/s by requosl mayi(A) co,lecl renta lhe paymenls, rnciuding ovedle renlalpayments, (B) direclly fiom the tenants: entor opon and lake

LENDER'S RIGHTS RENTAL TO PAYMENTS TOTAKE PGSSES8IONTHE OF AND

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possess'cn (c) ofthe Property; maoagethe Prope,ty;end sigo,canceland changerEnta greemenis (D) I lf afld leases. Lenderno{ifies lenantsthatLenderhasthe rightto colect Dntatpaymenlsdirectty th6 frcm them Lrnder lhls Paragraph17, | dglee lhat lhe lefants may msk thoso aentglpEyments Lendor 10 wilhoulhavjnglc ask (D LenderwhelherI have faaed10kep my promises and sgrosmentsunderthi3 lnstt]]menl, (iDme for my perm'sslon do so. or Securily to lf Lender acts lo have the Propedy sold afler a BGaGhof Duly as clefoed in Paragraph 28, I lnde|slandand agreethat (A) my rightt0 occupythe Prcperty ceassat th tirne the Propedyis sold; (B) I shallhave no rightlo occlrpythe Properlyafferguch sale whhoutthe written consentof lhe new ownerorlhe P.operty and (c) my wrongful possession and unlay/trrl oflhe Propedymay subjeq me to rfonelarydamnges, rncLudiilg loss of reasonaltle thc Al{ rent and lhe cogtof 6vic1ion, .ental payments co(ectcd by Lcnder or by a .eceiver, other lian the rent paid by me undef thls Paragraph '17,wlll be used trst lo pay the cos1s collecting of rentalpayments of managing Property. any parl ofthe renlal II and lho paymenls remains part will be lsed lo reducelho afler those cosls havs ben paldin full,lhe tgmalnlng So|ns Securcc. Thc cosls of managinglhe Propedy may Includethe receive/s fees. reasonable 6tlomeys'tecs the costsofany necessary and bonds, INJURY PROPERT| ASSIGNMENTOF To RtcHni An assignmentis a tmnslef of ghts io another, may have dghtsto bring legal actionagajnst I persons, oiler th.n Lcndcr.lor in,uryor demageIo the Pmpedyor in connedlonwlth lhe loan madelo me by Lendefand which irrose or will arise beforeor anerth date of this Securily Instrumenl. These rightsto i'riog legal actio may inc\Jdebut arc not limitecl an actlonfor breach of .antracl, ftaud, lo concealmeri 3 matcrialtacl or for intenlional ngllgenl of or acts. I assignthese righls,and any and all procccds arislngtroralhese nghts,as permitted applicable to Lender.Lendermay, al its option by law, enlorce theserlglrtsin ils own naoroand may applyany proceeds resulling to from thls asslgnmenl lhe SumsSecured atle!'deducling o)eenses, any these dghts includiog atlomeys.foes, incunedin enforcing Al lhe reque$l L-ender,!!ill slgr any funherassigrmonts otherdocumonts may be necessary of I or thal l0 enforce this assignmenl I will noliryLenderimmediately I believeI have the rigbt to bong any such if legal adion sgarrsl any persons and will notify Lenderimmdiately I a$erl any claim of demand if againstcr commence any legal action againslany such pe|son. lf I aeclve any paoceeds from eny peFons besidesLcr)derin coonection with any sucb claim,demandor legal actaon, will immedislely I deli!ersucbDroceeds Lender. 1o CLERICAL ERRORS In ihe evenlLendcrai nny time discovefti lhls Secudty the that Instrumsnt, SecuredNotesor any olher docirmenl relatedt0 this lcan, calledcolledivety 'Loan Documents." cootainsan earorwhictl the was calsed by a cle cal Djstake,calculalion efior, corltputor efior, pnnllnoenor or similareror, I agreeL Lrpon nole from Lender,1o execuleSuchdocrimentation Lendetdeoms necessary10 coflect any d5 such cno(s) and I ajso agreelhal | \4illnoi hold Lenderresponsibte any damageto me which may for resullfromafv s!6h error. 20. LOST,STOLENOR MUIILATEDTX)CUMENTS f any oi the Loen Documents lost, slolen,mulillod destroyed are and Lenderdelivelsto me or an i.rcle'nnillcatioD tavor,signedby Lendet. in my thsn lwill sign and defiver Lendera Loan Docurnenl to identicalin fom and conlentwhichwitlhavethe efscl Ollheoriginal brallpurposes. WAIVEROF STATUIE OF LIMITAIIONS I !v I waive wiihinepplica law lhe pleading the staiute timitations a defenselo enfo rce ble of as of this Seclrily lnslrumert, includi,)O any obl'gations rcfenedto in lhis Securily lnslrumentor Seclred 21, 19. 14.

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0046299293

CAPTIONS are The caplions and neadings lhe beginnlng 6achpregrapn al ofthis SecurltyInsirument for ot reference only andwill no{ be lsed in thg interprgtation ny ptolisionof thls Seclrity lnstrumant. of 22. MODIFICATION Thissecuritytnstrument may be riodifledor amonc,d by an agrcement writingsignedby in only Borrower Lender, aod CONDOM|N|UM, COOPERATTVE PLANNED ANO OSUGATIONS Uilt DEVELOPMENT lf llre Propedyis a unit in a condominlurn, cooperativo plannedunit developmenl, or each of whichshall be calledthe 'Projecl,"and I have an lnterest the commonelementsof the proiect.then in Lender and I aqfeclhal: , (A) lf an ownersassocialion olier entity, or called,'Owners Association,hotdstitleto p.opr1y lof th bonclit or use ot the Projectand its mmbe|sor shsrehotders, prcperly also includesmy tie inlcreslin lhe Owfers Association the uses,proceeds bentils nd end ofmy trtorest (BJ The fo lowing are calledthe "Conslituenl Oocumentsi" The dectafalionor any otlrer 0 documerlwhich creatcdlhc Projectt(Ji)By-tatvs lhe O/vne6Associaionj(iii) Code of reg!tations for of ihc Prr)jecl,(i,,) Arliclcs of Incorporalloo. trust instrurEnl or equivalenldoclment which creales the Owne6 Assocalion, (v) Thc Project'scovenants,condilions and resldctions;(vi) Other equivalent I shall perform all ot my obli0atiorE undr the Conslituent Docurnnts, including my obligalion pny,wnen duc all duos nd assssmeDls, I do not pay th6 dues and assessments to whsn lf due,Lendermay ils oplionpaylhem. al Lwjllpayto Lenderany amounls whlchLenderadvances under lh,s Paraq.aph2,1accordingto the tenns desqlbed in Paragmph7 above_ acc,eptable to maintains, dn insorence with reasonably company lC) lf lhe OwnelsAssociation Lender a master or blanket policy oo the Pmjed which is satisaactory Lender and which provldes to Insumnce cov/agon lhe lenns, in lhe amounls,for the periods,and aglnst the lrazardsLender rcquhes, includin0 and hazardsinch)ded Jlre wilhinthe tern "orlendedooverage,' and Lenderjs provlded 2(B) wrthevrdence such master or btanket policy,then:(DLenderwaies the provision Parag.apn in of on abovefof the payrngnt Lenderof lhe 6slmatedyearlypaemium to lnslllmenls hazardinsurance for the Property; and (ii) hazardinsurance coveGgeon the Prope(y Bs rquiredby Paraqraph abovets 5 deemedto be salisfiedlo the excnl that the required cowrage is providedby lhe OwnersAssocialion policy- shallgive Lenderpromplnoliceof any lapsin the requird I I ooverage. shall hazardInsursnc provide copyof such master or blanket policy Lender a 10 annually. proceeds, In the eveft of a distribltjonof any hazad insuranoe Includino wilhoutlimitauon any earlhquake spegialhazardsinsurance or whethea not such cowage was requird by Ledder,in or 24. 23.

lieuof restorclionrepair or followingloss lhePrDperty, a 10 elemonts. lo whether thgunilorlo common proceeds payable marehreby any to assigned shall paid Lender appllcation Sums and be to for lo the
I sedrrcd by thrssecrrity lnslrumeni, wjth any excesspaid to me, lf I r6oeiveany such prooeeds. nill

immediately lhcm Lender deliver to orolherwise as forth applylltem Set above,

Imffiiltriilllfll|||lt[]t[l titf8
oo46299293

I shall take such Bdions as mEy bs reasoDablg insur lhst the Ownsls Assoclallon to pollcyaccptabls Lender form,amountand extenlof covelage. a In mainlains publictiabihyinsurance to (D) I shell nol, oxcept aner notco to Lsnderand wlth Lendels pdor writien consenl,either pa(llion oc sqridividethe Proporty or coosent to: o lhe ab6ndonmEnl termination oJihe Project. except or for sbandonmeitor lmination requirecl l3w in tha case of subslantlsl by destructionby flr or olier or casualty ln the case of conc,omnation, emlnent domalnor o|her govemmenlAl taking;(lD eny amendmenilo eny provision of Consliluent Oocumentsunless lho prr'vlslon is for the xpress benefit of r-enderor of lenders generallt (iiD lefininallonot professional managefiont and assumplionof ot self-managcmenl lhc OwnersAssocialion; (v) any sotjonwhichM/o!ldhave th effectof rendnng of policyand/orlhe publicllability lne master or blanket hezardinsurance lnsumncgcoveragemaintained by lhe Owoers Associalion unscceDlabte Lender. to FUTURE ADVANCES Al Borow,'s /equest,Lnder, irs optton(Out at beforglle3seofthb SecurttyInstrumenl the or full reccoveyanc lhe Propedydescribed the Scurity of in with Instrument) may tend tuturc advancs, ioterest, Bonower Suchfulureadvances, interesi, thenbe dctitionalSums io with will Securcdunderthis Secunly lnstrument. 26. AGREEMENTS ABOUT LENOER'S RIGHTS THE PROPERTY SOLO OR IF IS 25.

'RANSFERRED pavmsnt ot Sums Secured. Lendermay, al its oplion, require immedieto Accererartonof payment fLril all Sunrssecuredby this Security in of Instrument alt or any pan oflhe Property, if any if or .rgh(in the Pfopedy, sold or hanstefiedwtthout is Lendelspdorwriien pormlssion. Lender6lso nay, at its oplion require paymenlin fulllfEorrowerb nola nalrJralpelson a benficiet immedialo inlerestin and Bonolverjs sold or lransferred without Londer/spriof Written pemission. llowevor, Lender shall not paymentin full if this is pfohibited Federel rcquirejmmediate by Law in efect on the date of the Security f Lenderexefcises optionto requlre payrnonl full.Lendsrwill glv me notlceoI lha immediate In acceloralion.lf I tarllo pay all Surns Securedby lhis Secufi.lyhslrumenl immediately,Lender may then ot lherafler invokeany rernedies permilted this Security by hslrumentwilhoutfurthernoticeto or delhand

THISSPACEINTCNTIONALLY LEFTALANK

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0016299293

THISSPACEINIEN1IONAILYLEFTBIANK

TRUSTEE SUBSNTUTE trusleeto Loder, ris opl on, may lrom time to time removcTru$ee and Eppoint sucassor a1 a any Trusleoappointed hereunder n Inslrumenl by rccorded the city or countyin which lhis Secudly in Instrume s feco io nl rded Wthout conveyance the Pfopedy,lhe succssor , lrusteeshall sr]cceed all of lhe litlc,powerandduliesconfenedLrpon Trustee lawhe.einsnd by applicable RIGHIS OF THE LENDERIF]HERE IS A BREACH DUTY OF will 11 be callede "Breachof Outy"if: (i) | do nol paylhe lull Emount eech rcguladyschdiJled of payment lhe daie ( is dLre; (ii) I lail to pedormanyofmy pmmises agreements on or or underthe Noleor talseoT lbis Secunlylfstr!menl; or (iii)any statemsnt madeln my appilcatlon forlhis loan wss materially by rnbleading any statemeol my appliction lhis loanwas Fatedallyfalseor misleading reason or:l in for ol my ofirission cerlainfacls;or (iv) | havemadeanyolherslatemsnl Lendorin connedionwilh liis of to loanthal ls fnalfallyfalse or rrisle3drng. thereis a Brachot Ouly by me Lender may demandafl lf paymcnlol all SumsSccuredimme.liale lh ll lhere is a Brcach of Duly by me, Lendermay exercise powerof sale, lake actionto have the Property sold lncter applicable law. and iovokesuchothertemedlgs may be pe.miltedunderany as Lender does 0ol have lo give mc notjceof a Breach ofDuly, lf Lenderdoes nol makea dornd for full psyrneniol the Surns Sscureduporra Bmach of Duty, Lndermay maks a demand for full 28.

27.

payment SunsSecu.ed any oflhe upon other Breach Duty. ol to appointedoollect is of lo a lf there a Breach Duly, Lender also action have rcceiver may tale may lo a renls any lrom ienanls theProperly to managethe on and Pmpedy. adion appoinl receiver Th
prior to wilhout notice meandrcgardless the\'dlqe thePtoperty. ot of betaken rnay of lf Thesaleof the Propedry be postponed or st the dhocllon Lendr. the Prope(yis by lhat I lhal mayaddto theamount I owe sold, agree it maybe soldin oneparcel. alsoagree Lendof I that ofthe adionto sellthe alllegalfees, cosls, allowsnces, disbuFements inqll'edas a fesiit lo Lnder and

Propny
(A) order: t0 allfees, apply proceods lhesalooflhe Property thofollowing ln Lendefrlill the from no1limitedto ltustees'and but with expenses costsi,rcrnedin connclion ths ssle, iocluding and lo and (C) env excess the iees,it any;(B) to all SumsSeoured thlsSeouitylnst&ftent: ,ttomeys' by
Pe6on o. Persons legally enfiled to il.

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oo15299293 RECONVEYANCE Upon paymentof all sLrmssecurecl, thls SacuritylGtrumentLonde. shall reques! by Truslee io reconvey lhe Property 3nd shall surendea lhls srualy Inslrurnont and all seoured aruslec shall rcconvey Prope.ty Noteslo Ttustee, the wilhod wrn nty to Eorowor. Lenoermay cnaEe Bonowera reasonalrle tor recoflveying Prop6dy. only il the te is pald to a fee ln hrl thjd pady (incud;nglhe Trust6)for sMcesrendered the ch.glngofthe f6a is pe.milted, end y pmiibllion,undorappllcablg lfthe tee charged does whelherexpress or by lack ol oxpress law. 0ol exceecl any maimum fee set by appLcablelew, lhe fee is conclusively presumed to be STATEMENT OBLIGA]ION OF Lender may colecl a tee of $60.00, or such greater rr|axlrtum amount a5 may ffom time lo lioe be allowedby law for lumishing any staloment wlth Espect to (his Security ofobtigalion Inslflrmenl th SecuredNotes. or 31. LOAN PROGMM I X } OU'CK QUALIFYING 30.

I have lor stalementslaclwhich wererclied upon by 0l lualrfied thrsloanby making Lendef approve loanrapidly. loan ca eda ',Quick lo the This is staled QuAlifylng I have Loan..
and lconllm lhal: (A) | do nol have any otherQuickeualiryjng Loanswith Lender;(B) | have agreed l0 0ol further encumber the Proporly and do not ir nd to furthor encumber the Property for al le.sl stx monlllsanerihe dateofthe gocuredNotesandlltis Security and Instrument: (c) tf I am pufchasing Prcperty, of the lenas of lhe purchase the all to submitted Lenderare agrcemont lruo andlhc entlredownpaymentis ceshfrommy ownfunds.

I lf aiy ol lhe slalmenlsot fact thal I have madearo maledally fdse or misleedino, will be in defallt under lhe SecureclNotes and this Secudtylnstrumont. I am ln such defauii, lf Lender rn3y at ils oplion,increaso inlercslmte. lhe IX ] OWNEROCCUPANCY of Lendc.has reled lpor slatemenls fact wfiich Ihav madeto queliryfor this loan l and pdmaryresidence;(B) l\Yi)l have srared3fd confnn lhat: (A) the Propenyis my persooal as occupylhe Properlynot latcf than 30 days aflerthis sec0rityInstaument ,codedi and (c) I will use rre Propcriy as my residenccfor at least 12 months trom lhe dale this Securitv is lnsltumenl recorcied. I lf any of the slalemetls of factthsl I havemads are mstdally false of mlsleadlng, will lf be in dcfa,rltunder lhe SecuredNotes and this Secldty lnstrument. I am in s{jch de{a(lt, incmaselheinlercstrteLefftermav,al ils oolron. 32.

INDICATES THAT THEPARAGRAPH APPUES. { X ) VALUE

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(PLEASESIGNYOURNAMEEXACILYAS ITAPPEARSBELOWI

BORROWER(A}:

TERRENCE AI.AGG'A

C]KNOWLOT'GMI]NT

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p!$oirly+pclrcd $q kiotr lo .-$i'olrFmmll toor, mq o | lrnfi.d i, b'iJ o']JlC-!:--!. 0!rdrnr.hroilid mlh.rluilmrjm 0f l1!l$ I -116!

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MCMILLIN OEBORAH tmti'tluw'stAEdwM

APPIP,OECflOEqN,
Count' Nsv8da Elko I cEnTF0AlEms6gF{

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ALAGGIA Address:TERRENCE Mailing '121COPPERST, ELKO,NV 8g801'4',{27

NOTARY ACXNOWLEDCEI\IENT ATTACH INDIVIDUAL

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LOT 17,BLOCK J OF AUROUSESTATES SIJBDTISION,ACCORDINGTO THE TIJEREOF, OTFICE MAP FILED IN THEOFFICE THE COLNTY RECORDER OF OFELKO COUNTY,NEVADAgON SEPTEMBER 1980, FILE NUMBER AS 16, 13852I,AND AMENDMENT THERETO FEBRUARY15, 1983,IN RECORDED BOOK4I5, PAGE411, FILE NUMBER173401, ELKO OFFICIALRECORDS, COTJNIY, NEVADA, PIN:001-859-017

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RECORDTNG REQUESTED BY: Ll'S f itlc Company- IJV WHIN RECORDOD M-AIL TO: Nariorai Dcfaulr scwiciry CoQomtion 7?20N. l6b Sneer, Suire300 NDsc Frlc No. : l0-i25r2-wA-lw :0 0 1 -a 5 9 -0 1 7

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SUBSTTTUTION OF TRUSTEE

WI'IEREAS. TIRRXNCE ALACCIA, A MARRIED MAN AS HIS SOLE AND SEPARATE PROPERTY $C OrJgi'AI FAS TfuSIO(S), GOLDENWESTSAVINCS ASSOCIATION SERVICD CO..A CALIFORT_IACORPORATION was $e original Trustee ard WORLD SAYINGS tsANK, FSB, rrs SUccESSoRS AND/ORASSICNEES ile ongiDd wa! BeneficiEry rjnder certain @r.d Oat DccdotTrdsL {}5111/?00? rccordcd 06/tat007 as insluft.ni No. 575479 BoolqPaae, OlticiatRecords and on in of oi ELKOCountr. Sbtcolr..V and WIIEREAS, undersigncdtheprcsenl $e is beneficiary rie said urder Decd lrust, and of wltEREAS, le undemigned desires subsritute to a new lrustee urdersaidDeed Trustin phceof of jn saidoriginalTrujree,or Succsso. Trustee, $ereunder. tlo mamd in ssidDeedofTrusl Drovided. Now, TIIEREFORqfte undcrsi8ned hereby subjiuresNATIONAL DEFAULT SERVICINC CORPORATIO|I. .{rizonaCorporation, An whosc sddre$ ts 7720N, 16" Strcet,Suite300,phoeniri, Arizona 850?0, Trusree as under Deed said ofTrust. Whcncler conlex( tl|c hereofrequircs, masculine $e gcnder includcs the singuldr mmbcrincludcs phunl thc WcllsFargo Bank, andor neutcf, a]rdlhu

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STATE OF

Texas

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---befo$ Iqc. . a NoBi) P-blic who pcmndrry roo* ro he llll8SlllSlln personally peaea l'lo0fl appeded lbr saidStarc, (orwho provedto ne on ihe basisotsatisfactory whosenmc(s) is/a!subsoribed lobe1hepersob(s) evidencc) exocutcd s@e ih hi$trl$ei! authorized the to ro nrc withi, i!$rrDent nnd acknowledgcd inc ihal hdshc/they orth cntry uponbehaLfof sienalwc(s) the instr@entthe person(s), oD dd capacity(ics), tndl by his.ftr/thcir wbich rhe pcrson(s)acr.d. ex&uted d|e instrumcnt.I ceniry underPENAITY OF PERJURY ude. the laws of thm thc forcgoiDg is tuo and corcct. {XAB WlI'NI:SSnr! handand official seal.

OCT 2010 Y-.

coDlNA MAr(JAI\lgs Srdl Publlc, o,T{!3 Norlrv

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A prl l l 4,2013