Declaration of Michael Dolan of Wells Fargo Bank in Martin v. Wells Faro Case.

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Lynette Gridiron Winston (#151003) 1winston(afrct.corn ANGLIN, FLEWELLiNG, RASMUSSEN, CAMPBELL & TRYTTEN LLP 199 S. Los Robles Avenue, Suite 600 Pasadena, California 91101-2459 Tel: (626) 535-1900 I Fax: (626) 577-7764 Attorneys for Defendant WELLS FARGO BANK, N.A., also known as Wachovia Mortgage, a division of Wells Fargo Bank, N.A., successor by merger with Wells Fargo Bank Southwest, N.A., f/k/a Wachovia Mortgage, FSB, f/k/a World Savings Bank, FSB, and also doing business as Wells Fargo Home Mortgage (erroneously named separately as World Savings Bank, Wachovia Mortgage, Wells Fargo Bank and Wells Fargo Home Mortgage) (Wells Fargo) SUPERIOR COURT OF THE STATE OF CALIFORNIA FOR THE COUNTY OF SAN LUIS OBISPO
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14 15 16 PATRICIA MARTIN, Plaintiff, vs. WORLD SAVINGS BANK, WACHOVIA MORTGAGE, WELLS FARGO BANK, WELLS FARGO HOME MORTGAGE, NDEX WEST, and DOES 1 through 100, Inclusive, Defendants. 22 23 24 25 26 27 28 I, Michael Dolan, declare as follows: 1. I am employed by Wells Fargo Bank, N.A., successor through merger with Wells CASENO.: CV110685 [The Honorable Charles S. Crandall, Dept. 9] DECLARATION OF MICHAEL DOLAN IN SUPPORT OF DEFENDANT WELLS FARGO BANK, N.A.S OPPOSITION TO OSC RE PRELIMINARY INJUNCTION [Filed with Opposition to OSC Re Preliminary Injunction] Date: Time: Dept: April 26, 2012 9:00 a.m. 9
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Fargo Bank Southwest, N.A., formerly known as Wachovia Mortgage, FSB, which was formerly known as World Savings Bank, FSB. (Wells Fargo or the Bank). I work as an Operations
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1 DECLARATION OF MICHAEL DOLAN IN SUPPORT OF DEFENDANT WELLS FARGO BANK, N.A.S OPPOSITION TO OSC RE PRELIMINARY INJUNCTION
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Analyst in Wells Fargos Mortgage Lending Operations, located at 4101 Wiseman Blvd., San Antonio, Texas. Before the Wells Fargo!Wachovia merger, I was a Vice President in the Portfolio Retention Department at Wachovia Mortgage, FSB (Wachovia) and, prior to that, a Vice President of Loan Services at World Savings Bank, FSB (World). I started working for World in 1984, and during my 23 years at World and Wachovia, I held various positions in the Financial Planning, Mergers and Acquisitions, and Loan Services divisions. My former job duties for World included conducting portfolio analyses, such as tracking payoffs, customer retention, forecasting and originations. 2. I continue to work for Wells Fargo as an operations analyst, and as part of my daily
job duties, I have full access to the following information and business activities of Wells Fargo: (1) the loan files and communications logs and records regarding this loan transaction relationship and history, (2) loan modification efforts considered and made on this loan, (3) the several different types of loan modification programs Wells Fargo considers and applies as appropriate given any particular loan, (4) how those programs apply to specific loans as appropriate, (5) the methodology and application of modification programs to specific loans, including plaintiffs loan, and (6) the manner and content of communications, oral and written, undertaken by the unit of Wells Fargo that engages in conduct to comply with the requirements of California Civil Code 2923.5 pertaining to specific borrowers and specific loans, including this specific loan. I have extensive personal familiarity with all Wells Fargo customs, practices and protocols, on the foregoing and generally as to the lending operations of Wells Fargo, and particularly the loan portfolio of World!Wachovia (now Wells Fargo), having been employed as an officer of it for many years. I have personal knowledge of the facts set forth below, which I make to support Wells Fargos opposition to the order to show cause re preliminary injunction. 3. I have reviewed the pertinent loan documents, maintained in the ordinary course of
Wells Fargos business, showing that World Savings Bank, FSB made a $255,000.00 loan to Patricia Martin (Borrower or Martin) on or about July 29, 2005 (the Martin Loan). The Martin Loan is secured by a Deed of Trust recorded against 342 N.
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Street, Grover Beach,
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California 93433 (the Property). A true and correct copy of the Note and Deed of Trust are attached as Exhibits A and B, respectively). 4. Effective January 1, 2008, World Savings Bank, FSB changed its name to
Wachovia Mortgage, FSB. On November 1, 2009, Wachovia Mortgage, FSB changed its name to Wells Fargo Bank Southwest, N.A. and then merged into and became a division of Wells Fargo Bank, N.A. It was thereafter known as Wachovia Mortgage, a division of Wells Fargo Bank, N.A. (hereinafter, the Bank). True and correct copies of documents issued by the U.S. Treasury Departments Office of Thrift Supervision and Comptroller of the Currency authorizing the name change and merger are attached hereto as Exhibit C.
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5.
The Bank creates and maintains Notes Logs that reflect communication with
borrowers and/or actions taken regarding its loans. The Bank also maintains all written correspondence exchanged with borrowers on a system called Online Letter Writer. The loan documents, logs and records are prepared and kept in the regular course of business, and are made at or near the time of the event or communication described therein. 6. I retrieved and reviewed the loan documents, archived data, various Notes Logs and
the written correspondence for the Martin Loan. These documents, data, logs, communications and exchanges of information with the Borrower which I describe all pertain to the issues raised in the ex parte application for a temporary restraining order and its supporting and supplemental documents. My review of the contents of the Martin Loan file and the associated electronic records that are part of that file for the Borrower reveals the following: (a) to change on the
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The Borrower had an adjustable rate loan, which allowed for the interest rate of each month and the monthly payment amount to change on September
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of each year. The Borrower also had an escrow account, which added an amount to the
monthly principal and/or interest payment sufficient to pay the property taxes and insurance. Each year, an annual Escrow Account analysis is conducted by the Bank to determine the amount of the monthly escrow account payments for the next computation year and to determine the status of the Escrow Account. An Annual Escrow Account Disclosure Statement is sent to the borrower disclosing such analysis. The loan records reflect that an Annual Escrow Account Disclosure
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Statement, dated April 6, 2009, was prepared and sent to the Borrower. The statement informed the Borrower that her new monthly loan payment, including the escrow payment, would be $1,463.99, effective June 15, 2009. A true and correct copy of the April 6, 2009 Disclosure Statement is attached hereto as Exhibit D. (b) The Borrower made her monthly loan payment for the previous amount in
April and May, 2009. On June 25, 2009, the Borrower paid the new monthly loan payment amount of $1,463.99. Prior to this time, the Borrower had often been late in making her monthly loan payments and as of January 16, 2009, she had a late fee balance of $521.49. (c) On or about July 1, 2009, the Bank sent the Borrower an Adjustable Rate
Mortgage Anniversary Payment Notice. This letter informed the Borrower that her minimum monthly payment would be $1,390.23, without escrow payments, as of September 15, 2009. A true and correct copy of the 2009 Anniversary Payment Notice is attached hereto as Exhibit E. The Borrowers total monthly payment, including $170.75 for escrow payments, totaled $1,560.98, effective September 15, 2009. (See Exhibit D). (d) The Borrower made her monthly loan payments for the previous amount of
$1,463.99 on July 30, 2009 and August 24, 2009. The Borrower did not make the new loan payment due on September 15, 2009. On or about October 5, 2009, the Bank sent the Borrower a letter informing her that it had not received the September 15, 2009 loan payment and requested an immediate payment of $2,243.47, including all late charges due ($1,560.98 for September payment, plus $682.49 for late fees). A true and correct copy of the October 5, 2009 letter is attached hereto as Exhibit F. (e) On October 14, 2009, the Borrower made a payment of $1,644.39 of which
$1,560.98 was applied to the September 15, 2009 loan payment, and $83.41 to late fees. On October 27, 2009 and November 23, 2009, the Borrower made payments of $1,560.98, respectively, which were applied to the October 15, 2009 and November 15, 2009 payments. (f) The Borrower did not make the payment due on December 15, 2009 until
January 4, 2010, and the late fee balance increased to $682.49 as of December 31, 2009. True and correct copies of the Borrowers monthly Loan Statements for 2010 and a Customer Account
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4 DECLARATION OF MICHAEL DOLAN IN SUPPORT OF DEFENDANT WELLS FARGO BANK, N.A.S OPPOSITION TO OSC RE PRELIMINARY I14JUNCTION
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Activity Statement for 01/01/10 through 11/30/11 are attached hereto as Exhibit G. (See Borrowers Loan Statement, statement date 0 1/09/10, Exhibit G, p. 1). On or about February 4, 2010, the Bank sent the Borrower a letter informing her that it had not received the January 15, 2010 loan payment and requested an immediate payment of $2,326.88, including all late charges due ($1,560.98 for January payment, plus $765.90 for late fees). A true and correct copy of the February 4, 2010 letter is attached hereto as Exhibit H. (g) On or about February 16, 2010, the Bank sent the Borrower a Notice of Intent
to Foreclose informing the Borrower that the January 15 and February 15, 2010 loan payments had not been received and the loan was in default. The Borrower was requested to pay $3,887.86 ($1,560.98 for January, $1,560.98 for February, and $765.90 for late fees), within 30 days of the date of the notice. A true and correct copy of the February 15, 2010 Notice is attached hereto as Exhibit I. On February 26, 2010, the Borrower made a payment of $3,121.96, which was applied equally to the January and February 2010 payments ($1,560.98 each). (See 03/04/10 Loan Statement, Exhibit G, p. 3). (h) On or about April 5, 2010, the Bank sent the Borrower a letter informing her
that it had not received the March 15, 2010 loan payment and requested an immediate payment of $2,493.70, including all late charges due ($1,560.98 for March payment, plus $932.72 for late fees). A true and correct copy of the April 5, 2010 letter is attached hereto as Exhibit J. (i) The loan records reflect that an Annual Escrow Account Disclosure
Statement, dated April 7, 2010, was prepared and sent to the Borrower. The statement informed the Borrower that there was an escrow account shortage of $442.12, which increased her total monthly loan payment, including the escrow payment, to $1,619.15, effective June 15, 2010. The Borrower was given the option of making a full payment of $442.14 to reduce her payment by $36.85. The Borrower did not elect to make the full payment. A true and correct copy of the April 7, 2010 Disclosure Statement is attached hereto as Exhibit K. (j) On April 15, 2010, the Borrower made a payment of $3,205.37, of which
$1,560.98 was applied to the March 15 and April 15, 2010 loan payments and $83.41 to the late fee for March 2010. Thereafter, the late fee balance was $849.31. (See 04/21/10 Loan Statement,
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Exhibit G, p. 5). (k) On May 24, 2010, the Borrower made a payment of $1,560.98 for the May
15, 2010 loan payment. (See 05/29/10 Loan Statement, Exhibit G, p. 6). The Borrower did not make the June 15, 2010 loan payment when due. (See 06/29/10 Loan Statement, Exhibit G, p. 7). (1) On or about July 1, 2010, the Bank sent the Borrower an Adjustable Rate
Mortgage Anniversary Payment Notice. This letter informed the Borrower that her minimum monthly payment would be $1,494.49, without escrow payments, as of September 15, 2010. A true and correct copy of the 2010 Anniversary Payment Notice is attached hereto as Exhibit L. The Borrowers total monthly payment, including $228.92 for escrow payments, totaled $1,723.41, effective September 15, 2010. (See Exhibits K & L). (m) On or about July 5, 2010, the Bank sent the Borrower a letter informing her that it had not received the June 15, 2010 loan payment and requested an immediate payment of $2,551.87, including all late charges due ($1,619.15 for June payment, plus $932.72 for late fees). A true and correct copy of the July 5, 2010 letter is attached hereto as Exhibit M. On July 6, 2010, the Borrower made a payment of $1,619.15, which was applied to the June 15, 2010 loan payment. (See 07/12/10 Loan Statement, Exhibit G, p. 8). (n) On or about August 4, 2010, the Bank sent the Borrower a letter informing
her that it had not received the July 15, 2010 loan payment and requested an immediate payment of $2,635.28, including all late charges due ($1,619.15 for July payment, plus $1,016.13 for late fees). A true and correct copy of the August 4, 2010 letter is attached hereto as Exhibit N. On August 9, 2010, the Borrower made a payment of $1,619.15, which was applied to the July15, 2010 loan payment. (See 08/14/10 Loan Statement, Exhibit G, p. 10). (o) On or about September 4, 2010, the Bank sent the Borrower a letter informing
her that it had not received the August 15, 2010 loan payment and requested an immediate payment of $2,718.69, including all late charges due ($1,619.15 for August payment, plus $1,099.54 for late fees). A true and correct copy of the September 4, 2010 letter is attached hereto as Exhibit 0. On or about September 16, 2010, the Bank sent the Borrower a Notice of Intent to Foreclose informing the Borrower that the August and September 15, 2010 loan payments had not
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been received and the loan was in default. The Borrower was requested to pay $4,442.10 ($1,619.15 for August, $1,723.4lfor September, and $1,099.54 for late fees), within 30 days of the date of the notice. A true and correct copy of the September 16, 2010 Notice is attached hereto as Exhibit P. After September 25, 2010, the late fee balance increased to $1,189.21. (See 10/04/10 Loan Statement, Exhibit G, p. 12). (p) On September 28, 2010, the Borrower made a payment of $3,238.30 for the
August and September 15, 2010 loan payments. From these funds, $1,619.15 was applied to the August 15, 2010 loan payment. (See 10/04/10 Loan Statement, Exhibit G, p. 12). However, as the Borrower had been previously notified, the September 15, 2010 loan payment was $1,723.41. (See Exhibits K & L). There was only $1,619.15 remaining from the payment made. Thus, there was not sufficient funds to pay the September 15, 2010 loan payment, and the remaining $1,619.15 was placed in a suspense account. (See 10/04/10 Loan Statement, Exhibit G, p. 12). (q) On or about September 29, 2010, the Bank sent the Borrower a letter
informing her that the loan was due for the September 15, 2010 loan payment and that $1,619.15 had not been applied to the loan because it was not enough to cover the balance due. The letter provided the following break-down of funds required to bring the loan current by October 14, 2010: Total Amount Required: Payment (s): 1 Late Charges: Other Fees: Less Amount Received: Total Balance Due:
$ 1,723.41 $ 1,189.21 .00 $ $ 1,619.15 $ 1,293.47
A true and correct copy of the September 29, 2010 letter is attached hereto as Exhibit 0. (r) On or about October 5, 2010, the Bank sent the Borrower a letter informing
her that it had not received the September 15, 2010 loan payment and requested an immediate payment of $1,293.47, including all late charges due ($104.26 shortage for September payment, plus $1,189.21 for late fees). This was the same amount requested of the Borrower in the September 29, 2010 letter, which included a credit for $1,619,15 held in suspense. (See Exhibit
Q).
A true and correct copy of the October 5, 2010 letter is attached hereto as Exhibit R.
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(s)
The Borrower did not make any payment and, on October 18, 2010, the Bank
sent the Borrower a Notice of Intent to Foreclose informing her that the September 15 and October 15, 2010 loan payments had not been received and the loan was in default. The Borrower was requested to pay $3,016.88, which included $1,189.21 in late fees, $1,723.41 for the October 15, 2010 loan payment, and $104.26 for the shortage on the September 15, 2010 loan payment. The Borrower was further advised that the failure to cure the default on or before November 17, 2010, may result in the acceleration of the loan and a foreclosure sale. A true and correct copy of the October 18, 2010 Notice is attached hereto as Exhibit S.
(t)
On or about October 30, 2010, the Bank sent the Borrower a letter informing
her that it was very concerned about the past due loan payments of $3,106.55, and requested that she call the Bank if she could not make the payments due to financial problems so they could discuss programs that might help get her back on track. A true and correct copy of the October 30, 2010 letter is attached hereto as Exhibit T. (u) The Borrower did not pay the past due loan amount or any portion thereof by
November 17, 2010. The Borrower also did not make the November 15, 2010 loan payment. (See 10/28/10 and 11/30/10 Loan Statements, Exhibit G, pp. 13 & 14). On or about November 18, 2010, the Bank sent the Borrower a letter, which was a pre-foreclosure reinstatement quote, informing her that the loan had been approved for commencement of foreclosure proceedings, which could cause her to lose her property and any equity therein. The letter informed the Borrower that she needed to pay the delinquent amount of $4,829.96, in full, by certified funds or wire only, and such funds had to be received at the San Antonio office no later than 6:00 p.m. on November 30, 2010. The delinquent amount included $1,278.88 in late fees, $1,723.41 for the November 15, 2010 loan payment, $1,723.41 for the October 15, 2010 loan payment, and $104.26 for the shortage on the September 15, 2010 loan payment. Thus, the delinquent amount gave the Borrower credit for $1,619.15 placed in suspense in September 2010. A true and correct copy of the November 18, 2010 Letter is attached hereto as Exhibit U. (v) Once the Borrower failed to make the November 15, 2010 loan payment, and
failed to bring the loan current by November 30, 2010, the loan was 90 days past due. As such,
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the Borrower would not be allowed to make any loan payments at a local branch office. Nor would the Bank accept less than the full amount due, unless there was a formal agreement under one of the Banks payment assistance programs. There was no such agreement with the Borrower. (w) On December 3, 2010, the Borrower owed $4,919.63. This amount included the delinquent amount of $4,829.96 stated in the November 18, 2010 pre-foreclosure reinstatement quote and a late charge of $89.67 for the past due November 15, 2010 loan payment. (See Exhibits U & G). The Borrower did not make or attempt to make a payment of $4,919.63, which was the full amount due on the loan after being given credit for $1,619.15 placed in suspense in September 2010. (x) Because the loan was not reinstated, on December 3, 2010, $1,619.15
previously held in suspense was applied to the principal balance owed on the loan. Plaintiffs principal balance was reduced from $274,924.28 to $273,305.13. (See Exhibit G). 7. My review of the Martin loan file and associated electronic records also reveals that
the Bank went to great lengths to work with the Borrower to avoid foreclosure and reviewed her loan numerous times for various loan modification programs. (a) On November 30, 2010, the Borrower called the Bank and applied for a loan
modification under the federal Home Affordable Modification Program (HAMP). The Borrower informed the Bank that she was not living in the subject property, but her daughter and son-in-law were living there and had been making the loan payments but they suffered a financial hardship in July 2010. The daughter was self-employed and became disabled and the son-in-law was forced to take a 5% pay cut on his job. Their car broke down, the heat went out at the house and their dog had to have surgery. The Borrower did not know when the hardship would end. The Borrower was advised to send in documentation needed to review the loan for a modification. However, because the subject property was not the Borrowers primary residence, she did not qualify under HAMP. The loan was therefore reviewed for an in-house Mortgage Assistance Plan, known as MAP. On March 4, 2011, the Borrower was notified that she would not be offered a MAP modification because she had excessive financial obligations. In a separate letter of the same date, the Borrower was notified the foreclosure process had been suspended during her loan
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modification review, but it would resume since the review was concluded without a modification. True and correct copies of the March 4, 2011 letters are attached hereto as Exhibit V. (b) On or about March 4, 2011, the Borrower requested to be reviewed for a
HAMP modification because she stated she was residing back in the subject property. The Bank reviewed her for a HAMP modification, but the Borrower was eventually denied on May 19, 2011 because all of the required documents were not received by the Bank. True and correct copies of letters from the Bank to the Borrower, dated March 8, 2011 and May 19, 2011, are attached hereto as Exhibit W. (c) On or about May 24, 2011, the Bank again reviewed the Borrower for a
HAMP modification. However, on or about June 7, 2011, the Borrower was notified that she was denied a HAMP modification based on a negative Net Present Value (NPV). True and correct copies of letters from the Bank to the Borrower, dated May 25, 2011 and June 7, 2011, are attached hereto as Exhibit X. (d) In June 2011, the Borrower disputed the NPV results and the Bank
recalculated the NPV. However, the NPV was still negative and therefore the Borrower did not qualify for a HAMP modification. (e) On or about July 14, 2011, the Borrower requested another HAMP
modification review due to a change in her familys financial situation. The Bank reviewed the Borrower again for a HAMP modification. However, in October 2011, the Borrower was notified that she would not be offered a HAMP modification because an affordable payment equal to 31% of the reported income could not be reached under the program guidelines and there was a negative NPV. The Borrower was also notified that she did not qualify for a MAP modification due to excessive financial obligations. In a separate letter, dated November 1, 2011, the Borrower was informed that a mortgage assistance solution could not be found and normal collections would resume. True and correct copies of letters from the Bank to the Borrower, dated July 15, 2011, October 31, 2011 and November 1, 2011, are attached hereto as Exhibit Y. (f) In November 2011, the Borrower requested a reconsideration of the NPV
results and provided information to the Bank. The Bank recalculated the NPV using values
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provided by the Borrower. On or about November 18, 2011, the Bank notified the Borrower that it would not be able to offer her a HAMP modification because the NPV was still negative. A true and correct copy of the November 18, 2011 letter is attached hereto as Exhibit Z. 8. The letters, notices and statements attached hereto were sent by the Bank to the
Borrower at the address stated therein, on or about the respective dates shown on each document. Such letters, notices and statements are sent by first class mail in the usual course of business on or about the date appearing thereon and, after they are mailed, become part of the Borrowers loan file. No record indicates that these documents were returned as undeliverable, which note would have been in the system that captures the data on the written information transmitted by mail to the borrower. 9. The Borrower defaulted on her loan as of September 2010. In December 2010, the
Bank authorized NDEx West, LLC (NDEx), as its agent, to issue and record a Notice of Default and Election to Sell Under Deed of Trust, which included the declaration as prescribed by Civil Code
2923.5.
10.
The Notice of Default evidenced mortgage arrears of $9,356.86 as of December
28, 2010. A true and correct copy of the Notice of Default is attached as Exhibit AA. On January 11, 2011, the Bank substituted NDEx as the Trustee, replacing Golden
West Savings Association Service Co.. The Substitution of Trustee was recorded on February 15, 2011, with an affidavit declaring that a copy of the Substitution was mailed to the required persons in accordance with Civil Code attached as Exhibit BB. 11. On May 4, 2011, a Notice of Trustees Sale was recorded giving notice of a May
2934a.
A true and correct copy of the Substitution of Trustee is
26, 2011 sale date. A true and correct copy of the Notice of Trustees Sale is attached hereto as Exhibit CC. However, because the Bank was working with the Borrower to find a suitable alternative to foreclosure, the foreclosure sale was postponed several times. 12. After exploring options with the Borrower to avoid foreclosure for nearly one year,
and being unable to do so, the Bank proceeded with the foreclosure sale. On November 28, 2011, NDEx conducted a Trustees Sale and the Property was sold to the Bank as the foreclosing
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beneficiary. A Trustees Deed Upon Sale was recorded cn Decemlxjr 12, 2011. A true and correct copy of the Trustees Deed Upon Sale is attached hereto as xhibit diD. The Bank properly applied all payments received froi the Borrow er and the portion of the September 2010 payment was properly placed in suapnse as it was not sufficient to pay the September 15, 20.10 loan payment. The Borrower cl.id not pai the amount necessary to bring the loan current and did not reinstate the loan prior to the Trustes sale on November 28, 2011. The Borrower has been residing in the Property rent free sinceit he Trustees sale and refuses to vacate the Property, There is a pending unlawftl detainer ction tiled by the Bank to recover possession of the Property. Wells Fargo anticipates spending not less than $30,00).00 attorne in ys fees in defending this litigation. I declare under penalty of peiury under the laws of the State f California that the foregoing is true and correct. If called on to testify to the forego ing lwouId and could competently testify there Executed this day of April, 2012. 14.
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9iOOtVFROC/OO352347-1
12 DECLARATION OF MICRAEL DOLAN IN SUPPO RT OF DEI1NDANT ELLS FARGO DANK, NA.S (WPOSTTION TO OSC RE PRELIMINARY INJUNdTION
EXHIBIT A
WORLD SAVINGS BANK, FSB
ADJUSTABLE RATE MORTGAGE NOTE PICK-A-PAYMENT LOAN

GDW AVERAGE DEPOSIT ACCOUNT RATE (COST OF SAVINGS) INDEX
THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE, MY MONTHLY PAYMENT AND MY UNPAID PRINCIPAL BALANCE. MY MONTHLY PAYMENT INCREASES, MY INTEREST RATE INCREASES AND MY PRiNCIPAL BALANCE INCREASES ARE LIMITED. This NOTE IS SECURED BY A SECURITY INSTRUMENT OF THE SAME DATE.
LOAN NUMBER 0040638090
DATE
July 29, 2005
BORROWER(S) rorme
PATRICIA MARTIN, AN UNMARRIED WOMAN sometimes called Borrower and sometimes simply called
93433-1533 PROPERTY ADDRESS 342 NORTh 4TH STREET, GROVER BEACH, CA
1 BORROWERS PROMISE TO PAY
In return for a loan thaI I have received, I promise to pay U S $255,000.00 ted Pnncipal. plus interest, to the order of the Lender The Lender is WORLD SAVINGS BANK, FSB, a FEDERAL SAVINGS BANK,, ITS SUCCESSORS AND/OR ASSIGNEES, or anyone to whom this Note is transferred
2. INTEREST (A) Interest Rate
Interest will be charged on unpaid Poncipal until the full amount of Pnr,c,pal has been paid I will pay interest al the yearly rate of 5.960% The interest rate I will pay may change as described in this SectiOn 2 Interest will be charged on the basis of a twelve month year and a thirty day month The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 7(B) of
this Note
(B) Interest Change Dates The interest rate I will pay may change on the 15th day arSepteniber, 2005 and on the same day every nrorith thereafter Each date on which my interest rate could change is called an lntsrest Change Date The new rate 01 interest will become cffectwe on each Interest Change Date
(C) Interest Rate LimIt My lifetime maximum interest rate kmii is 12.250%, called Lifetime Rate Cap
1 Il I D III I
001
SD253A (2004-03-1) ADJUSTABLE NOTE Ease 1 CA LENDERS USE ONLY
0040638090
(D) Index Index is tire weighted average of my interest rate will be based on an Index The e tory Beginning with the first Interest Chang Date, t accounts of the federally insured deposi the last clay of each calendar month on the deposi the ed the interest rates in effect as of (GDW), as made available by GDW Includ in idiaries) of Golden West Financial Corporation institution subsidianes (Subs adjustments that COW uses to calculate the line tern es of the Index calculation are all of the itema arid deposit accounts for purpos well as in other financial reports s in its quarterly and annual risports to shareholders as currently called cost of depoSits that appear by COW or its Subsidianes or other affiliates The Index does not include deposit accounts owned publicly distributed by GDW The to the deposit accourits and other ents for the effects of financial instruments related the caloidation of the Index includes adjustm reflect the weighted average of interest rates on its sole discretion as appropriate to accurately adjustments determined by COW in alternative index will become the Index The uted as descnbed in Section 2(F) of this Note, the deposit accounts If an index is substit Interest Changs Date is called the Current Index mast recent Index figure available on each (E) Calculation of Interest Rate Changes to the Current Index Subject adding 3.350 percentage paints, called the Msrgin, Lender will calculate roy new interest rate by t Change Date tion will be my new interest rate until the riext Interes this calcula limit stated in Section 2(C) above, the result of any Interest Change Date by
to the
may not, at a later dale, carryover or add Index on any future Interest Change Date Lender Interest Change Date this Note on any
increase to which it is entitled under this Note on If Lender fails to utilize tire entire interest isle to the Cunent t Index, then Lender may add any such allowable Margin all or part of the allowable Margin to the Curren failing to add interest to which it is not entitled under
(F) Alternative Index purposes of this Section 2(F) be the Index if the Index is no longer available For ines The Lender may choose an alternative index to ed, or (b) the Lender, in its sole discretion, determ ble if (a) the Index is for any reason no longer publish the Index is not availa ntially different information than at the time the Iode a substantially different manner or based on substa that the Index is calculated in the tridex to calculate interest under ble laws or regulations prevent the Lender from using na) became applicable Ia this Note, or (c) applica The alternative index nay be a national orregio the alternative index shall beat Lenders sole discretion this Note The selection of will give me notice of the alternative index approved by the Lenders pnmary regulator The Lender index or another type of index
3. PAYMENTS (A) Time and Place of Payments nts every month I will pay Principal and interest by making payme
2005. I will make these of each month beginning on September 15, I will make isy monthly payments on the 15th day other charges described below that I rosy owe ll,e Pnnctpal and Interest, and (o) any payments every month until I have paid (I) all ts ty Instrument II, sri August 15, 2035, I still owe amoun and (iii) any charges that may be due under the Securi
under this Note, dote, whtOh is called the Maturity Date under this Note, I will pay those amounts in full on that
I will make my monthly payments at place if required by notice from the Lender
94612 1901 HARRISON STREET, OAKLAND, CALIFORNIA
or at a differerit
Amount of My Initial Monthly Payments ed in Sections t of U S $1,041.02 This amount will change as describ Each of my initial monthly payments will be in the amoun payment amounts approved by nt sisciunt was selected by me from a range of initial 3(C) arid 3(D) below My initial monthly payme al balance entire amotnt of Interest accruing on the unpaid Pnncip Lender and nay nOt be sufficient to pay the (B)
Payment Change Dates ber, 2006 arid on Section 3(0) below beginning on the 15th day at Septem d My monthly payment will change as require by also change a Payment Change Date My monthly payment will these dates is called that day every 12th month thereafter Each of s me to pay a different amount at any time Section 3(F) or 3(6) below require (C)
arid as provided in nt each month beginning on each Payment Change flute I will pay the amount of my new monthly payme Section 3(F) or 3(G) beloW
Calculation of Payment Changes be changed to an amount sufficient to the Payment Change Date my monthly payment may Sublect lo Sections 3(F) and 3(G), on Maturity Date However, the d interest as descnbed in Section 3(E) below, by the deferre ng pay the unpaid principal balsnce, includi any t payment This 7-112% of the then existing Principal and interes ed will not be more than amount by which my payment can be increas nt Change calculation at least 60 but not more than the Payment Cap The Lender Wilt perform this Payme 7-112% limilatixn is called 90 days before the Payment Change Date (0) ADJiJSTABLE NOTE Page 2
SO253 (2004-03-1) ccxi
[601 (2004-03-1)1
0040638090 al Delerred lnterest Additions Ici My Unpaid Princip monthly interest that is due If this occurs, be insufficient to pay the total amount of prom bins to tone, my monthly payments nay accrue Interest at the Interest, will be added to my Principal and will called Deferred
(E)
, the amount of interest that is nt paid each month

same rate as the Principal
ed Month (F) Limit on My Unpaid Principal; Increas ipal Balance Cap If, as 125% 01 the Principal I originally borrowed, called Princ ed on My unpaid pnncipal balance can never exceed al flalance Cap limitation would be exceed t to my unpaid pnncipal balance, the Pnncip above, I a result of the addition of deferred interes nt Notwithstanding Sections 3(C) and 3(0)
ly Payment
will instead pay a new monthly payme the data that my monthly payment is due, I al balance in full on be sufficient to repay my then unpaid princip ly payment which is equal to an amount that will will pay a new month in effect, in substantially equal payments the Maturity Date at the interest rate then
(ci)
Payment Cap Umitation; Exceptions
nt Cap Beginning will, the 10th Payment Change ion will not apply Additionally, the Payme above except that the Payment Cap limitat calculated as described in Section 3(D) nt Change Date. limitation will not apply on the final Payme
thereafter, my monthly payment will be Date and every 5th Payment Change Date
Notice of Payment Chang ly payment, called Payment Change of any changes ri the amount of my month The Lender will deliver or mail to me a notice will include information required by law The Payment Change Notice Notice, before each Payment Change Date (H)
amount as descnbed in this Note, regardless adjustment to the interest rate or payment If (or any reason Lender fails to make an been failure, then make tIre adjustments as if they had may, upon discovery of such of any notice requirement, I agree that Lender result from Lenders failure to flake the responsible for any damages to me which may made on time I also agree not to hold Lender have paid to partial prepayment of unpaid option, apply any excess monies which I may ad(ustment and to let the Lender, at its Principal
es
4, FAILURE TO MAKE ADJUSTMENTS
nt of al at any time before they are due. A payme I have the right to make payments of Princip Prepayment, I will tell the Lender in due is called a Prepayment. When I make a Principal before it is made on the date require that any partial Prepayments be writing that I am doing so. The Lender may changes in a partial Prepayment, there will be no If I make my regularly scheduled payments are due. nts unless the Lender agrees to those scheduled payme the due dates or amount of my regularly and such interest on this Note at any time without charge changes in writing. I may pay deferred of the loan term of Principal. During the first 3 years payment will not be considered a Prepayment ar month, I the aggregate, exceed $5,000 in any calend if I make one or more Prepayments that, in ments exceed $5,000 in that equal to 2% of the amount such Prepay must pay a prepayment charge Prepayment of the loan term, I may make a full or partial calendar month. After the first 3 years . without paying any prepayment charge
5. BORROWERS RIGHT TO PREPAY
eted so that the interest or other loan maximum loan charges, is finally interpr If a law, which applies to this loan and Which sets ted limits, then (i) any such loan charge shall be tion with this loan exceed the permit charges collected or to be collected in connec from me which (ii) aIry sums already collected reduce the charge to the permitted limit, and reduced by the amount necessary to Principal I owe under this choose to make this refund by reducing the ed to me The Lender may exceeded permitted limits will be refund on will be treated as a partial Prepayment Ifs refund reduces Principal, the reducti Note or by making a direct payment to me
6.
MAXIMUM LOAN CHARGES
AS REQUIRED 7. BORROWERS FAILURE TO PAY Late Charges for Overdue Payments (A) calendar days after tIre date ills due,l t of any monthly payment by the end silO lithe Lender has net received the hill amoun Pnncipa! and interest I edI pay will be 6.00% of my overdue payment of amount of the charge will pay a late charge to the Lender The each late payment this lale charge promptly but only once on
ADJUSTABLE NOT!
Pa6o 3
CR
50253C (200403-1)
0040638090
Default or (u) I fail to perform any of my ly payment on the date it is due, pay the full amount of each month tion for this loon was I will be in default if (i) do riot statement made in my applica or (ci) any this Note nr the Security Instrument, or misleading by reason of my promises or agreements under false tion for this loan was materially or it any statement in my applica matenally false or materially false or misleading in oonneclion with this loan that m made any other statement to Lender on of certain facto, or (iv) I have omissi (B) misleading Notice of Detautt I do not pay the overdue Notice of Default, telling me that if send me a wntten notice, called paid and alt the It I am m default, the tender may t of Principal which has not been the amoun may require me to pay immediately t by a certain date, the Lender amoun the Security Instrument t, plus any other amounts due under interest that I owe on that amoun (C) No WaIver by Lender ed above, the Lender to pay immediately in full as describ , the Lender does not require me Even if, at a time when I am in default I am in default at a later time, will still have the right to do so if (D) Expenses Payment of Lenders Costs and enforcing this Note to the extent not at of its costa and aopensas in right to be paid back by me for The Lender mill have the fees and court costs reasonable attorneys expenses may include, for example, prohibited by applicable law Those (E( 8, wilt be given by delwering must be given to me under this Note different method, any notice that Unless applicable tow requires a NUE UNIT 3, GROVER BEACH, SEABRIGHT AVE to me or any Borrower at 1234 nohce to Lender it or by maihng it by first class mail alternative addraex I may give s if I give the tender notice of my or at a angle sttemative addres billing statement I may CA 93433250, telephone number provided on my er service wnting or by catting Lenders custom of s change in my address in bme for notification purposes ate only one mailing address at a design this Note will be given by must be gwen to the Lender under changes of address, any notice that I am given a notice of Except as permitted above for above or at a difterent address if n 3(A) Lender at the address stated in Sectio mailing it by firat class msit to the that dillerent address R ThIS NOTE OBLIGATIONS OF PERSONS UNDE all ol the promises made in this fully snd personally obligated to keep signs this Note, each person is of If more than one person tions is also obligated to keep all who takes over these obliga the full amount owed Any person or against all of us Note, including the promise to pay Note against each person indmidualty thm Lender may enforce its nghts under the promises made in thm Note The under thm Note required to pay all of the amounts owed means that any one of us may be together This GIVING OF NOTICES
9.
tO.
Presentment WAIVERS of presentment and notice of dishonor tions under this Note waive the rights land any other person who has obliga the right to require the Lender to ts due Notice of fliahonor meson to demand payment of amoun means the right to require the Lender ts due have net been paid. amoun give notice to other persons that
it.
SECURED NOTE -ACCELERAnON this Note gives y Instrument dsted the ssme date as the Lender under this Note, the Secunt In addition to the protections given to this Note That Security Instrument the promises which I made in it may proceed if I do not keep owe underthie Note and the Lender security against which iate payment in full of all amounts I I may be required to make immed ons describes how and under what conditi 26: includes the feltcwing Pamgreph IS SOLD OR TRANSFERRED ERS RIGHTS IF THE PROPERTY AGREEMENTS ABOUT LEND in full of sit Sums option, require immediate payment Secured, tender may, at its Acceleration of Payment of Sums ty, is sold or transferred ty, or it any nght in the Proper ent if all or any part of the Proper is not Secured by this Secunty Instrum immediate payment in full if Bsrrswar Lender also may, at its option, require aiori without tenders prior written pennm permission rrad without tenders prior wntten trsnste ial interest in Borrower is sold or a natural Person and a benefic l Law in effect on the date of the in futi if this is prohibited by Federa shall not require immediate payment However, Lender Security Instrument fail to pay will give me notice of acceleration If I immadiate payment in full, Lender If tender exercises the option to require any remedies permitted by may then or theresfier invoke ty Instrument immediately, Lender all Sums Secsred by this Securi notice to or demand en me this Security Instrument without further
Sozeso f2004.o3-i)
ADJUSTABLE NOTe e 9 Pa 4
0040638090 f 0 the Property, or of a sale or transfer of all or any part of Pasmient of Sums Secured, It the the date of this Security Exception to Acceleratin after Person, is the Brat one to occur er, if Borrower is riot a natural benefIcial interest in Borrow d and the loan may be payment in full of all Sums Secure exercise the option to accelerate Instrument, Lender wit not assumed if evaluate the creditworthiness of written application from transferee to Lender receives a completed Lender, being made to the transferee by transferee as fa new loan were
(i)
(n) (lx)
(lY)
of tile transferee in writing, Lender approves the creditworthiness current underwriting standards, t sufficient to meet Lenders then transferee makes a caSh downpaynren
an
1% of the balance of determiSed by Lender (but not to exceed assumption fee, in cii amount to be ty or of the Interest in the sate or transfer of the Proper the Secured Notes at the time of Principal and interest due under Borrower) is paid to Lender, and
(v)
to Lander ption agreement which is satisfactory the transferee executes an assum
e Rate Cap may be conditions with one exception, the Lifetim under its then existing terms and The loan maybe assuwed interest rate in effect on the t talC which is the sum of the Cap shall be changed to an interes aunt exceeds the changed The Lifetime Rate er plus 5 percentage points, if that ty or berieBcial interest in Borrow Proper date of a sale or transfer of the d Notes Lifetime Rate Cap statect in the Secure ABILrr including those for 12. GOVERNING LAW; sEVER and federal rules and regulations and construed under federal law This Note shall be governed by or provisions of this Note are In the event that any of the terms tions, called Federal LaW. n shall affect only those federally chartered savings institu or unenforceable, such decisio tent Junsdtction to be void, invalid of compe interpreted or construed by a court ing provisions of this Note eted and shall not affect the remain provisions as construed or interpr ent related to this loan, 13. CLERICAL ERRORS ty Instrument or any other docum discovers that this Note or the Securi In the event the Lender at any time tion error, computer error, e, calcula was caused by a clerical mistak ents, contains Sri error which necessaiy te correct any called collectively the Loan Docum ule any Loan Documents that are notice from the Lender, to reexec upon printing error xr similar error, I agree, result from any such error for any damage to me which may will not hold the Lender responsible such error(s) and I also agree that I LATED DOCUMENTS me an indemnification in my 14. LOST, STOLEN OR MUTI ed and the Lender delivers to are lost, stolen, mutilated or destroy If any of the tart Documents and content which will have the s Loan Uoctinient identical in form I will sign and deliver to the Lender favor, signed by the Lender, then es effect of the original for all purpos
FOLLOWS. LEFT BLANK; SIGNATURE PAGE THIS SPACE INTENTIONALLY
502535 (2004.03-1)
ADJUSTABLE NOTE Pages
CA
0040638090
SIGNATURE PAGE NOTICE TO BORROWER(S):
TAIN PAYMENT CHARGE IN CER YOU AGREE TO PAY A PRE BY SIGNING THIS NOTE ENTIRE NOTE (INCLUDING THE CAREFULLY READ THIS CIRCUMSTANCES. PLEASE SIGN IT. MENT PROVISION) BEFORE YOU PREPAY L(S) OF THE UNDERSIGNED WITNESS THE HAND(S) AND SEA
CTLY AS IT APPEARS BELOW) (PLEASE SIGN YOUR NAME EXA BORROWER(S):
(Seal)
PATRICtA 4ARTIN
$D253 (2OO4.O31)
fW14 (2004.03-01)J
Pg 6 of 6
EXHIBIT B
___________________
RECORDING REQUESTED BY: First l4merican Title 1WHEN RECORDED MAIL TO: WORLD SAVINGS BANK FINAL DOCUMENTATION CLOSiNG DEPARTMENT P.O. BOX 659548 SAN ANTONIO, TX 78265-9548 LOAN NUMBER: 0040638090 NOTE AMOUNT: $255,000.00 FOR RECORDERS_USE ONLY CH CONTAINS ST WHICH SECURES A NOTE WHI THIS IS A FIRST DEED OF TRU NGES IN MY INTEREST RATE, FREQUENCY AND CHA PROVISIONS ALLOWING FOR PRINCIPAL BALANCE (INCLUDING FUTURE ADVANCES AMOUNT OF PAYMENTS AND AT LENDERS OPTION ThE SECURED NOTE MAY BE AND DEFERRED INTEREST). ED. ThE SECURED NOTE PROVIDES FOR MONTHLY RENEWED OR RENEGOTIAT INTEREST. PAYMENTS OF PRINCIPAL AND DEED OF TRUST IS CIPAL BALANCE SECURED BY ThIS THE MAXIMUM AGGREGATE PRIN ORIGINAL PRINCIPAL NOTE AMOUNT. $318,750.00 WHICH IS 125% OF THE
EWA JULIE RODpo CouLD nty

San Lws Obis
Recorded at Ihe request ot
ClerWRecorder
U) 810212005 8:00 AM Pages:
First American Title Company DO C#:
2005063613
Titles: 2 Fees Taxes Others PAID
17
62.00 0.00 0.00 $62.00
DEED OF TRUST
IN THIS DEED OF TRUST DEFINITIONS OF WORDS USEDDeed of Trust, which is dated July 29, 2005, will be called the Instrument. This (A) Security Security Instrument. called ARRIED WOMAN sometimes will be Borrower. PATRICIA MARTIN, AN UNM (B) me. Borrower and sometimes simply I or
, will be , ITS SUCCESSORS AND/OR ASSIGNEES (C) Lender. WORLD SAVINGS BANK, FSB organized and exists under the laws of L SAVINGS BANK, which is called Lender. Lender is a FEDERA CA 94612 ess is 1901 Harrison Street, Oakland, the United States. Lenders addr
lIl I l I1I 1 1 II
003
SDDOIA (2004-03-2) DEFERRED INTEREST DEW OFTRUST.ADJUSTABL.E Page 1 ra LENDERS USE ONLY
0040638090
Security Instrument, having the same date as this note signed by Borrower and Note. The Note (D) Note. The ifications thereof, will be called the s, renewals, substitutions and mod ed and deferred including all extension of U.S. $255,000.00, plus accru er the original principal amount debt in regularly shows that I owe Lend Note. I have promised to pay this other amounts as stated in the by August 15, 2035 interest and such Note and to pay the debt in full dic payments as provided in the scheduled perio (Maturity Date). cription of the below in Section Ill entitled Des The property that is described (E) Property. . Property will be called the Property Transfer of w in Section II entitled Borrowers ured. The amounts described belo (F) Sums Sec be called the Sums Secured. Rights in the Property sometimes will will be called Person. governmental authority or other party (G) Person. Any person, oiganization, is the Beneficiary and Borrower is the Trustor, Lender (H) Trustor, Beneficiary, Trustee. ation is the Trustee. Service Co., A California Corpor Golden West Savings Association HTS IN THE PROPERTY BORROWERS TRANSFER OF RIG er, with a power of sale erty to the Trustee, in trust for Lend I irrevocably grant and convey the Prop this Security Instrument, I am ument. This means that, by signing ect to the terms of this Security Instr subj and also those rights that are stated in this Security Instrument g Lender and Trustee those rights that givin of a deed of trust. I am giving ries of a deed of trust and to trustees law gives to lenders who are beneficia the t result if I fail to: Lender from possible losses that migh er and Trustee these rights to protect Lend
II.
by this Security r the Note and all other notes secured pay all amounts owed to Lender unde (I) changes to the e advances made by Lender and any called the Secured Notes, including futur Instrument, consent of Lender; Secured Notes made with the written and 7 below to Lender spends under Paragraphs 2 (ii) pay, with interest, any amounts that ers rights in the Property; and protect the value of the Property and Lend nt, the Secured agreements under this Security Instrume (iii) keep all of my other promises and Lender. Notes made with the written consent of Notes and any changes to the Secured Ill. DESCRIPTION OF ThE PROPERTY ribed below: I give Trustee rights in the Property desc
BEACH, CA 342 NORTH 4TH STREET, GROVER The Property which is located at (i) part of this hed as Exhibit A which is made a legal description of the Property is attac 93433-1533. The d the Described Property. Security Instrument. This Property is calle
(ii)
erty; that are located on the Described Prop All buildings and other improvements
500dB (2004-03-2)
DEED OF TRUST.AC)JUSTABLE
CA
DEFERRED )NTEREST
Page 2
0040638090
Described Property. These rights are (iii) All rights in other property that I have as owner of the ty; Proper known as easements, rights and appurtenances attached to the Property; (iv) All rents or royalties and other income from the Described and stock that are part of the (v) All mineral, oil and gas, rights and profits, water rights Described Property; roads in front of, behind or next (vi) All rights that I have in the land which lies in the streets or to, the Described Property; bed Property or on the property (vii) AU fixtures that are now or in the future will be on the Descri described in subsection (ii) of this Section; through (vii) of this Section that I (viii) All of the rights and property described in subsections (ii) acquire in the future; subsections (ii) through (viii) of (ix) All replacements of or additions to the property described in this Section; and (x) AU of the amounts that I pay to Lender under Paragraph 2 below.
IV.
IN THE PROPERT( AND BORROWERS RIGHT TO GRANT A SECURITY INTEREST ERTY BORROWERS OBLIGATION TO DEFEND OWNERSHIP OF THE PROP grant and convey the Property to I promise that: (I) I lawfully own the Property; (ii) I have the right to encumbrances against the Property, Trustee; and (iii) there are no outstanding claims, charges, liens or except for those which are of public record. responsible for any losses I give a general warranty of title to Lender. This means that I will be fully Trustee has some of the rights in the which Lender suffers because someone other than myself and the hip of the Property against any ProperLy which I promise that I have. I promise that I will defend my owners claims of such rights.
COVENANTS
I promise and I agree with Lender as follows: BORROWERS PROMISE TO PAY the Secured Notes and any I will pay to Lender, on time, all principal and interest due under d Notes. prepayment and late charges due under the Secure
1.
2.
PAYMENTS FOR TAXES AND INSURANCE Borrowers Obligations (A) ce premiums on the I will pay all amounts necessary to pay taxes and hazard insuran ground rents or mortgage insurance premiums (if Property as well as assessments, leasehold payments,
any).
SDOO1C (2004.03-2)
DEED OF TRUST-ADJUSTABLE
CA
Page 3
0040638090
(B)
Escrow Accounts
Subject to applicable law, no escrow shall be required except upon written demand by Lender, in which case, I shall pay to Lender on the day payments are due under the Note, until the Note is paid in full, a sum (Funds) for: (a) yearly taxes, penalties and assessments which may attain pJiority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (C) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; and (e) yearly mortgage insurance premiums, if any. These items are called Escrow Items. Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally related mortgage loan may require for an escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. 2601 et seq. (RESPA), unless another law that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items in accordance with applicable law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items. Lender may not charge me for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays me interest on the Funds and/or applicable law permits Lender to make such a charge. However, Lender may require me to pay a one-time charge for an independent real estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay me any interest or earnings on the Funds. Lender shall give to me, without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument. If he Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to me for the excess Funds in accordance with the equirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify me in writing, and, in such case I shall pay to Lender the amount necessary to make up the deficiency or shortage. I shall make up the deficiency or shortage in accordance with the requirements of the Lender, at its sole discretion, in the manner and times prescribed by RESPA. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to me any Funds held by Lender. If, under Paragraph 28, Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrument.
SDOO1D (2OO4-O-2)
DEED OF TRUST-ADJUSTABLE Pape 4
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0040638090
APPLICATION OF BORROWERS PAYMENTS of my payments under the Secured Unless applicable law requires otherwise, Lender will apply each for the following purposes: and Notes and under Paragraphs 1 and 2 above in the following order 3. First, to pay prepayment charges due under the Secured Notes; Second, to pay any advances due to Lender under this Security Instrument; Third, to pay the amounts due to Lender under Paragraph 2 above; Fourth, to pay interest due under the Secured Notes; Fifth, to pay deferred interest due under the Secured Notes; Sixth, to pay principal due under the Secured Notes; Last, to pay late charges due under the Secured Notes.
4. TS ANO CLAIMS BORROWERS OBLIGATION TO PAY CHARGES, ASSESSMEN d on the taxes, assessments and any other charges and fines that may be impose I will pay all Property and that may be superior to this Security Instrument.
ty and I will pay ground I will also make payments due under my lease if I am a tenant on the Proper the payments to Lender that are rents (if any) due on the Property. I will pay these amounts either by making owed them. described in Paragraph 2 above or by making the payments on time to the Person obligation has not been Any claim, demand or charge that is made against property because an ty that may be superior to Proper fulfilled is known as a lien. I will promptly pay or satisfy all liens against the if: r However, this Security Instrument does not require me to satisfy a superio lien this Security Instrument. r lien and Lender approves in (A) I agree, in writing, to pay the obligation which gave rise to the superio I argue or defend against the writing the way in which I agree to pay that obligation: or (5) in good faith, not be enforced and no part of the superior lien in a lawsuit so that, during the lawsuit, the superior lien may lien an agreement, approved in Property must be given up; or (C) I secure from the holder of that other the lien held by that Person. If Lender writing by Lender, that the lien of this Security Instrument is superior to may give to me a notice determines that any part of the Property is subject to a superior lien, Lender superior lien or take one or more of the actions set forth identifying the superior lien. I will pay or satisfy the above within 10 days of the giving of notice.
5. BORROWERS OBLIGATION TO MAINTAIN INSURANCE cover all buildings and ce At my sole cost and expense, I will obtain and maintain hazard insuran to the Property. The insurance must cover other improvements that now are or in the future will be located on coverage hazard insurance policies loss or damage caused by fire, hazards normally covered by extended insurance must be in the amounts and for the and other hazards for which Lender requires coverage. The ny but my choice is subject to periods of time required by Lender. I may choose the insurance compa choice unless the refusal is reasonable. All of these Lenders approval. Lender may not refuse to approve my is known as a Standard Mortgagee insurance policies and renewals of the policies must include what and renewals must be acceptable to Lender. Lender will Clause to protect Lender. The form of all policies promptly give Lender all receipts of have the right to hold the policies and renewals. If Lender requires, I will paid premiums and renewal notices that I receive.
SDOOIE (2004-03.2)
DEED OFTRLJST-ADJIJSTABLE
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CA
0040638090
or If I obtain earthquake insurance, any other hazard insurance, credit life and/or disability insurance, which are not specifically any other insurance on or relating to the Property or the Secured Notes and required by Lender, I will name Lender as loss payee of any proceeds. If there is a loss or damage to the Property, I will promptly notify the proper insurance company and Lender. If I do not promptly prove to the insurance company that the loss or damage occurred, then Lender may do so. The amount paid by the insurance company is called Proceeds. Any Proceeds received will be applied first to reimburse Lender for costs and expenses incurred in connection with obtaining the Proceeds, and and then, at Lenders option and in the order and proportion as Lender may determine in its sole the of any impairment or lack of impairment of security, as follows: (A) to absolute discretion, regardless the extent allowed by applicable law, to the Sums Secured in a manner that Lender determines and/or (B) to of necessary repairs or to the restoration of the Property to a condition payment of costs and expenses satisfactory to Lender, such application to be made in the manner and at the times as determined by Lender. If I abandon the Property or if I do not answer, within 30 days, a notice from Lender or the insurance company stating that the insurance company has offered to settle a claim, Lender may collect the Proceeds. I will notify Lender immediately of any offer to settle a claim I receive from the insurance company. I will immediately deliver any Proceeds I receive from any insurer or other persons to Lender. Lender may use the Proceeds to repair or restore the Property or to pay the Sums Secured. The 30-day period will begin when the notice is given. If any Proceeds are used to reduce the amount of the outstanding balance of the Sums Secured, that use will not delay the due date or change the amount of any of my regularly scheduled payments under the Secured Notes and under Paragraphs 1 and 2 above. However, Lender and I may agree in writing to delays or changes. If Lender acquires the Property under Paragraph 28 below, all of my rights in the insurance policies will belong to Lender. Also, all of my rights in any Proceeds which are paid because of damage that occurred before the Property is acquired by Lender or sold will belong to Lender. However, Lenders rights in those Proceeds will not be greater than the total amount of the Sums Secured immediately before the Property is acquired by Lender or sold. If I am required by Lender to pay premiums for mortgage insurance, I will pay the premiums until the requirement for mortgage insurance ends according to my written agreement with Lender or according to
law.
BORROWERS OBLIGATION TO MAINTAIN THE PROPERTY AND TO FULFILL ANY LEASE OBLIGATIONS I will keep the Property in good repair including, but not limited to, keeping the Property free from debris, mold, termites, dry rot and other damaging pests and infestations. I will not destroy or substantially change the Property and I will not allow the Property to deteriorate. I will keep and maintain the Property in compliance with any state or federal health and safety laws, and hazardous materials and hazardous waste laws. I will not use, generate, manufacture or store any hazardous materials or hazardous waste on, under or about the Property. I will indemnify, defend and hold harmless Lender and its employees, officers and directors and their successors from any claims, damages or costs for required or necessary repair or the removal of mold, termites, dry rot, other damaging pests and infestations and hazardous waste or any other hazardous materials claim, If I do not own but am a tenant on the Property, I will fulfill my obligations under my lease. I also agree that, if I acquire the fee title to the Property, my lease interest and the fee title will not merge unless Lender agrees to the merger in writing. 6.
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LENDERS RIGHT TO PROTECT ITS RIGHTS IN THE PROPERTY (B) someone, If: (A) I do not keep my promises and agreements made in this Security Instrument, or proceeding that may significantly affect Lenders rights in the Property (including including me, begins a legal n or to enforce but not limited to any manner of legal proceeding in bankruptcy, in probate, for condemnatio to protect laws or regulations), then Lender may do and pay for whatever it deems reasonable or appropriate in court, the Lenders rights in the Property. Lenders actions may include, without limitation, appearing (such insurance paying reasonable attorneys fees, purchasing insurance required under Paragraph 5, above entering on the may cost more and provide less coverage than the insurance I might purchase), and actions. Property to make repairs. Lender must give me notice before Lender may take any of these do so. Any action taken Although Lender may take action under this Paragraph 7, Lender does not have to by Lender under this Paragraph 7, will not release me from my obligations under this Security Instrument. 7.
I will pay to Lender any amounts which Lender advances under this Paragraph 7 with interest, at the a interest rate in effect under the Secured Notes. I will pay those amounts to Lender when Lender sends me the amount is notice requesting that I do so. Interest on each amount will begin to accrue on the date that advanced by Lender. However, Lender and I may agree in writing to terms that are different from those in those this Paragraph 7. This Security Instrument will protect Lender in case I do not keep this promise to pay amounts with interest. LENDERS RIGHT TO INSPECT ThE PROPERTY Lender, and others authorized by Lender, may enter upon and inspect the Property. They must do so in a reasonable manner and at reasonable times. Before or at the time an inspection is made, Lender must give me notice stating a reasonable purpose for the inspection. 8. AGREEMENTS ABOUT GOVERNMENTAL TAKING OF ThE PROPERTY I assign to Lender all my rights: (A) to proceeds of all awards or claims for damages resulting from condemnation, eminent domain or other governmental taking of all or any part of the Property; and (B) to proceeds from a sale of all or any part of the Property that is made to avoid condemnation, eminent domain or other governmental taking of the Property. All of those proceeds will be paid to Lender. If I receive any such proceeds, I will immediately deliver them to Lender. If all of the Property is taken, the proceeds will be used to reduce the Sums Secured. If any of the proceeds remain alter the Sums Secured have been paid in full, the remaining proceeds will be paid to me. Unless Lender and I agree otherwise in writing, if only a part of the Property is taken, Sums Secured will be reduced only by the amount of proceeds multiplied by the following fraction: (A) the total amount of the Sums Secured immediately before the taking, divided by (B) the fair market value of the Property immediately before the taking. The remainder of the proceeds will be paid to me. 9. If I abandon the Property or if I do not answer, within 30 days, a notice from Lender stating that a governmental authority has offered to make a payment or to settle a claim for damages, Lender has the authority to collect the proceeds and settle the claim. Lender may then use the proceeds to reduce the Sums Secured. The 30-day period will begin when the notice is given. If any proceeds are used to reduce the amount of the outstanding principal of the Secured Notes, that use will not delay the due date or change the amount of any of my regularly scheduled payments under the Secured Notes and under Paragraphs I and 2 above. However, Lender and I may agree in writing to delays or changes.
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CONTINUATION OF BORROWERS OBLIGATIONS AND OF LENDERS RIGHTS Borrowers Obligations (A) Lender may allow a Person who takes over my rights and obligations subject to this Security to delay or to change the amount of the payments of principal and interest due under the Secured Instrument Notes or under this Security Instrument. Even if Lender does this, however, that Person and I will both still be fully obligated under the Secured Notes and under this Security Instrument. 10. Lender may allow those delays or changes for a Person who takes over my rights and obligations, even if Lender is requested not to do so. Lender will not be required to bring a lawsuit against such a Person for not fulfilling obligations under the Secured Notes or under this Security Instrument, even if Lender is requested to do so. Lenders Rights Even if Lender does not exercise or enforce any of its rights under this Security Instrument or under the law, Lender will still have all of those rights and may exercise and enforce them in the future. Even if Lender obtains insurance, pays taxes, or pays other claims, charges or liens against the Property, Lender will have the right under Paragraph 28 below to demand that I make immediate payment in full of the Sums Secured. (B) OBLIGATIONS OF BORROWER, CO-SIGNORS AND OF PERSONS TAKING OVER BORROWERS RIGHTS OR OBLiGATIONS Except as provided below, if more than one Person signs this Security Instrument as Borrower, each of us is fully obligated to keep all of Borrowers promises and obligations contained in this Security Instrument. Lender may enforce Lenders rights under this Security Instrument against each of us indMdually or against all of us together. This means that any one of us may be required to pay all of the Sums Secured. 11. Any Borrower who co-signs this Security Instrument but does not execute the Note (a co-signor): is co-signing this Security Instrument only to mortgage, grant and convey the co-signors interest in the (a) Property under the terms 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 accommodations with regard to the terms of this Security Instrument or the Note without the co-signors consent. Any Person who takes over my rights or obligations under this Security Instrument will have all of my rights and will be obligated to keep all of my promises and agreements made in this Security Instrument. Similarly, any Person who takes over Lenders rights or obligations under this Security Instrument will have all of Lenders rights and will be obligated to keep all of Lenders agreements made in this Security Instrument. MAXIMUM LOAN CHARGES If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges, that law is finally interpreted so that the interest or other loan charges collected or to be collected in and connection with the loan exceed permitted limits, then: (A) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limits and (B) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the outstanding principal balance of the Secured Notes or by making a direct payment to Borrower. if a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Secured Notes. 12.
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LEGISLATION AFFECTING LENDERS RIGHTS If a change in applicable law would make any provision of the Secured Notes or this Security Instrument unenforceable, Lender may require that I make immediate payment in full of all Sums Secured by this Security Instrument. 13. NOTICES REQUIRED UNDER THIS SECURITY INSTRUMENT Any notice that must be given to me under this Security Instrument will be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice will be addressed to me at 1234 SEABRIGHT AVENUE UNIT 3, GROVER BEACH, CA 93433250. A notice will be given to me at an alternative address if I give Lender notice of my alternative address. I may give notice to Lender of my alternative address in writing or by calling Lenders customer service telephone number provided on my billing statement. I may designate only one mailing address at a time for notification purposes. Except as permitted above for changes of address, any notice that must be given to Lender under this Security Instrument will be given by mailing it by first class mail to Lenders address stated in Section l.(C) above entitled, Definitions of Words Used In This Deed of Trust, unless Lender gives me notice of a different address. Any notice required by this Security Instrument is given when it is mailed or when it is delivered according to the requirements of this Paragraph 14 or of applicable law. 14. GOVERNING LAW; SEVERABILITY This Security Instrument and the Secured Notes shall be governed by and construed under federal law and federal rules and regulations, including those for federally chartered savings institutions (Federal Law) and, to the extent Federal Law does not apply, by the law of the jurisdiction in which the Property is located. In the event that any of the terms or provisions of this Security Instrument or the Secured Notes are interpreted or construed by a court of competent jurisdiction to be void, invalid or unenforceable, such decision shall affect only those provisions so construed or interpreted and shall not affect the remaining provisions of this Security Instrument or the Secured Notes. 15. 16. BORROWERS COPY I acknowledge the receipt of one conformed copy of the Secured Notes and of this Security Instrument.
LENDERS RIGHTS TO RENTAL PAYMENTS AND TO TAKE POSSESSION OF ThE PROPERTY If Lender requires immediate payment in full or if I abandon the Property, then Lender, Persons authorized by Lender, or a receiver appointed by a court at Lenders request may: (A) collect the rental payments, including overdue rental payments, directly from the tenants; (B) enter upon and take possession of the Property; (C) manage the Property; and (D) sign, cancel and change rental agreements and leases. If Lender notifies the tenants that Lender has the right to collect rental payments directly from them under this Paragraph 17, I agree that the tenants may make those rental payments to Lender without having to ask (I) Lender whether I have failed to keep my promises and agreements under this Security Instrument, or (ii) me for my permission to do so. 17.
If Lender acts to have the Property sold after a Breach of Duty as defined in Paragraph 28, I understand and agree that: (A) my right to occupy the Property ceases at the time the Property is sold; (B) I shall have no right to occupy the Property after such sale without the written consent of the new owner of the Property; and (C) my wrongful and unlawful possession of the Property may subject me to monetary damages, including the loss of reasonable rent and the cost of eviction. All rental payments collected by
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will be used first to pay the Lender or by a receiver, other than the rent paid by me under this Paragraph 17, remains rental payments and of managing the Property. If any part of the rental payments costs of collecting part will be used to reduce the Sums Secured. The after those costs have been paid in full, the remaining and the costs of costs of managing the Property may include the receivers fees, reasonable attorneys fees any necessary bonds. INJURY TO PROPERTY; ASSIGNMENT OF RIGHTS against An assignment is a transfer of rights to another. I may have rights to bring legal action me than Lender, for injury or damage to the Property or in connection with the loan made to persons, other the date of this Security Instrument. These rights to by Lender and which arose or will arise before or after of a bring legal action may include but are not limited to an action for breach of contract, fraud, concealment nghts, and any and all proceeds arising from material fact, or for intentional or negligent acts. I assign these rights in its these rights, as permitted by applicable law, to Lender. Lender may, at its option, enforce these the Sum Secured and this Security own name and may apply any proceeds resulting from this assignment to rights. At the Instrument after deducting any expenses, including attorneys fees, incurred in enforcing these enforce request of Lender, 1 will sign any ftirther assignments or other documents that may be necessary to if I believe I have the right to bring any such legal action this assignment. I will notify Lender immediately against or against any persons, and will notify Lender immediately if I assert any claim or demand I receive any proceeds from any persons besides commence any legal action against any such person. If to Lender in connection with any such claim, demand or legal action, I will immediately deliver such proceeds Lender. 18. CLERICAL ERRORS or any In the event Lender at any time discovers that this Security Instrument, the Secured Notes loan, called collectively the Loan Documents, contains an error which was other document related to this caused by a clerical mistake, calculation error, computer error, printing error or similar error, I agree, upon error(s) notice from Lender, to execute such documentation as Lender deems necessary to correct any such for any damage to me which may result from any and 1 also agree that 1 will not hold Lender responsible such error. 19. 20. LOST, STOLEN OR MU11LATED DOCUMENTS If any of the Loan Documents are lost, stolen, mutilated or destroyed and Lender delivers to me an indemnification in my favor, signed by Lender, then I will sign and deliver to Lender a Loan Document identical in form and content which will have the effect of the original for all purposes.
WAIVER OF STATUTE OF LIMITA11ONS I will waive, within applicable law, the pleading of the statute of limitations as a defense to enforce this Security Instrument, including any obligations referred to in this Security Instrument or Secured Notes. 21.
CAPTIONS The captions and headings at the beginning of each paragraph of this Security Instrument are for reference only and will not be used in the interpretation of any provision of this Security Instrument. 22. 23. MODIFICATION This Security Instrument may be modified or amended only by an agreement in writing signed by Borrower and Lender. 24.
CONDOMINIUM, COOPERATIVE AND PLANNED UNIT DEVELOPMENT OBUGAT1ONS If the Property is a unit in a condominium, cooperative or planned unit development, each of which shall be called the Project, and I have an interest in the common elements of the Project, then Lender and I agree that: If an owners association or other entity, called HOwners Association, holds title to Property (A) for the benefit or use of the Project and its members or shareholders, the Property also includes my interest in the Owners Association and the uses, proceeds and benefits of my interest.
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The following are called the Constituent Documents: (i) The declaration or any other (B) document which created the Project; (ii) By-laws of the Owners Association; (iii) Code of regulations for the Project; (iv) Articles of incorporation, trust instrument or equivalent document which creates the Owners Association; (v) The Projects covenants, conditions and restrictions; (vi) Other equivalent documents. I shall perform all of my obligations under the Constituent Documents, including my obligation to pay, when due, all dues and assessments. If I do not pay the dues and assessments when due, Lender may, at its option, pay them. I will pay to Lender any amounts which Lender advances under this Paragraph 24 according to the terms described in Paragraph 7 above. If the Owners Association maintains, with an insurance company reasonably acceptable to (C) Lender, a master or blanket policy on the Project which is satisfactory to Lender and which provides insurance coverage on the terms, in the amounts, for the periods, and against the hazards Lender requires, including fire and hazards included within the term extended coverage, and Lender is provided with evidence of such master or blanket policy, then: (i) Lender waives the provision in Paragraph 2(B) above for the payment to Lender of the estimated yearly premium installments for hazard insurance on the Property; and (ii) hazard insurance coverage on the Property as required by Paragraph 5 above is deemed to be satisfied to the extent that the required coverage is provided by the Owners Association policy. I shall give Lender prompt notice of any lapse in the required hazard insurance coverage. I shall provide a copy of such master or blanket policy to Lender annually. In the event of a distribution of any hazard insurance proceeds, including without limitation any earthquake or special hazards insurance whether or not such coverage was required by Lender, in lieu of restoration or repair following a loss to the Property, whether to the unit or to common elements, any proceeds payable to me are hereby assigned and shall be paid to Lender for application to the Sums Secured by this Security Instrument, with any excess paid to me. If I receive any such proceeds, I will immediately deliver them to Lender or otherwise apply them as set forth above. I shall take such actions as may be reasonable to insure that the Owners Association maintains a public liability insurance policy acceptable to Lender in form, amount and extent of coverage. I shall not, except after notice to Lender and with Lenders prior written consent, either (D) partition or subdivide the Property or consent to: (i) the abandonment or termination of the Project, except for abandonment or termination required by law in the case of substantial destruction by fire or other casualty or in the case of condemnation, eminent domain or other governmental taking; (ii) any amendment to any provision of Constituent Documents unless the provision Is for the express benefit of Lender or of lenders generally; (iii) termination of professional management and assumption of self-management of the Owners Association; or (iv) any action which would have the effect of rendering the master or blanket hazard insurance policy and/or the public liability insurance coverage maintained by the Owners Association unacceptable to Lender. FUTURE ADVANCES At Borrowers request, Lender, at its option (but before release of this Security Instrument or the full reconveyance of the Property described in the Security Instrument) may lend future advances, with interest, to Borrower. Such future advances, with interest, will then be additional Sums Secured under this Security Instrument. 25.
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26.
AGREEMENTS ABOUT LENDERS RIGHTS IF THE PROPERTY IS SOLD OR TRANSFERRED
Acceleration of Payment of Sums Secured. Lender may, at its option, require immediate payment full of all Sums Secured by this Security Instrument if all or any part of the Property, or if any right in the in Property, is sold or transferred without Lenders prior written permission. Lender also may, at its option, require immediate payment in full if Borrower is not a natural Person and a beneficial interest in Borrower is sold or transferred without Lenders prior written permission. However, Lender shall not require immediate payment in full if this is prohibited by Federal Law in effect on the date of the Security Instrument.
If Lender exercises the option to require immediate payment in full, Lender will give me notice of acceleration. If I fail to pay all Sums Secured by this Security Instrument immediately, Lender may then or thereafter invoke any remedies permitted by this Security Instrument without further notice to or demand on me. Exception to Acceleration of Payment of Sums Secured. If the sale or transfer of all or any part of the Property, or of a beneficial interest in Borrower, if Borrower is not a natural Person, is the first one to occur after the date of this Security Instrument, Lender will not exercise the option to accelerate payment in full of all Sums Secured and the loan may be assumed if: Lender receives a completed written application from transferee to evaluate the (i) creditworthiness of transferee as if a new loan were being made to the transferee by Lender, (ii) (iii) standards; Lender approves the creditworthiness of the transferee in writing; transferee makes a cash downpayment sufficient to meet Lenders then current underwriting
(iv) an assumption fee, in an amount to be determined by Lender (but not to exceed 1% of the then outstanding balance of Principal and interest under the Secured Notes at the time of sale or transfer of the Property or of the interest in the Borrower) is paid to Lender; and (v) the transferee executes an assumption agreement which is satisfactory to Lender. Such assumption agreement may provide, if required by Lender, that the transferee open a deposit account with Lender or with a bank or other depository institution approved by Lender, to facilitate direct payments if direct payments are required in the Note. The loan may be assumed under its then existing terms and conditions with one exception; the Lifetime Rate Cap may be changed. The Lifetime Rate Cap shall be changed to an interest rate which is the sum of the interest rate in effect on the date of a sale or transfer of the Property or beneficial interest in Borrower plus 5 percentage points, if that sum exceeds the Lifetime Rate Cap stated in the Secured Notes.
SUBS11TU11ON OF TRUSTEE I agree that Lender may at any time appoint a successor trustee and that Person shall become the Trustee under this Security Instrument as if originally named as Trustee. 27.
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RIGHTS OF ThE LENDER IF THERE IS A BREACH OF DUTY It will be called a Breach of Duty if (i) I do not pay the full amount of each regularly scheduled payment on the date it is due; or (ii) I fail to perform any of my promises or agreements under the Note or this Security Instrument; or (iii) any statement made in my application for this loan was materially false or misleading or if any statement in my application for this loan was mateially false or misleading by reason of my omission of certain facts; or (iv) I have made any other statement to Lender in connection with this loan that is materially false or misleading. If there is a Breach of Duty by me, Lender may demand an immediate payment of all sums secured. 28. If there is a Breach of Duty by me, Lender may exercise the power of sale, take action to have the Property sold under applicable law, and invoke such other remedies as may be permitted under any
applicable law. Lender does not have to give me notice of a Breach of Duty. If Lender does not make a demand for
full payment of the Sums Secured upon a Breach of Duty, Lender may make a demand for full payment of the Sums Secured upon any other Breach of Duty. If there is a Breach of Duty, Lender may also take action to have a receiver appointed to collect rents from any tenants on the Property and to manage the Property. The action to appoint a receiver may be taken without prior notice to me and regardless of the value of the Property. The sale of the Property may be postponed by or at the direction of Lender. If the Property is sold, I agree that it may be sold in one parcel. I also agree that Lender may add to the amount that I owe to Lender all legal fees, costs, allowances, and disbursements incurred as a result of the action to sell the Property. Lender will apply the proceeds from the sale of the Property in the following order: (A) to all fees, expenses and costs incurred in connection with the sale, including but not limited to trustees and attorneys fees, if any; (B) to all Sums Secured by this Security Instrument; and (C) any excess to the Person or Persons legally entitled to it. RECONVEVANCE Upon payment of all Sums Secured by this Security Instrument, Lender shall request Trustee to reconvey the Property and shall surrender this Security Instrument and all Secured Notes to Trustee. Trustee shall reconvey the Property without warranty to Borrower. Lender may charge Borrower a reasonable fee for reconveying the Property, but only if the fee is paid to a third party (including the Trustee) for services rendered and the charging of the fee is permitted, whether expressly or by lack of express prohibition, under applicable law. If the fee charged does not exceed any maximum fee set by applicable law, the fee is conclusively presumed to be reasonable. 29. STATEMENT OF OBLIGATION Lender may collect a fee of $60.00, or such greater maximum amount as may from time to time be allowed by law, for furnishing any statement of obligation with respect to this Security Instrument or the Secured Notes. 30.
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(X ) QUICK QUALIFYING LOAN PROGRAM by Lender to I have qualified for this loan by making statements of fact which were relied upon and I confirm that: (A) 1 approve the loan rapidly. This loan is called a Quick Qualifying Loan. I have stated (B) I have agreed to not further encumber the do not have any other Quick Qualifying Loans with Lender; after the date of the Property and do not intend to further encumber the Property for at least six months all of the terms of the Secured Notes and this Security lnstwment; and (C) If I am purchasing the Property, from my own funds. purchase agreement submitted to Lender are true and the entire down payment is cash 31. I will be in default If any of the statements of fact that I have made are materially false or misleading, may, at its option, under the Secured Notes and this Security Instrument, if I am in such default, Lender Secured Notes. increase the interest rate and margin subject to the Lifetime Rate Cap stated in the 32.
stated Lender has relied upon statements of fact which I have made to qualify for this loan. I have the Property not and confirm that: (A) the Property is my personal and primary residence; (B) I will occupy my residence later than 30 days after this Security Instrument is recorded; and (C) I will use the Property as ed. for at least 12 months from the date this Security Instrument is record in If any of the statements of fact that I have made are materially false or misleading, I will be default If I am in such default, Lender may, at its option, under the Secured Notes and this Security Instrument. d increase the interest rate and margin, subject to the Lifetime Rate Cap stated in the Secure Notes.
) OWNER OCCUPANCY
(X
) VALUE INDICATES THAT THE PARAGRAPH APPLIES.
This SPACE INTENTIONALLY LEFT BLANK; SIGNATURE PAGE FOLLOWS.
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BY SIGNING BELOW, I accept and agree to the promises and agreements contained Instrument and in any rider(s) signed by me and recorded in proper official records.
in
this Security
(PLEASE SIGN YOUR NAME EXACTLY AS IT APPEARS BELOW) BORROWER(S):
(Seal) PATRICIA )4ARTIN
ATFACH INDIVIDUAL NOTARY ACKNOWLEDGEMENT
50001 (2004-03-1)
[AF1 (2004-03-1)] [ALl (200403-1)]
Page 15
CA
WORLD SAVINGS BANK, FSB
EXHIBITA LEGAL DESCRIPTION

LOAN NO. 0040638090
ALL THAT CERTAIN REAL PROPERTY SITUATED IN THE COUNTY OF SAN LUIS OBISPO STATE OF CALIFORNIA, DESCRIBED AS FOLLOWS:
of California, Real property in the City of Grover Beach, County of San Luis Obispo, State described as follows: THE TOWN OF GROVER, IN LOT 15 IN BLOCK 37 OF BECKETTS RESUBDIVISION OF PART OF O, STATE OF CALIFORNIA, THE CITY OF GROVER BEACH, IN THE COUNTY OF SAN LUIS OBISP 800K 3, PAGE 70 OF MAPS, IN ThE ACCORDING TO MAP RECORDED NOVEMBER 9, 1925 IN OFFICE OF THE COUNTY RECORDER OF SAID COUNTY. APN: 060-143-008
TAPE ONLY THE LEGAL DESCRIPTION TO THIS PAGE.
S0001 (2003-03-1)
Page 16 of 16
CA
__
1 AMER
11
STATE OF CALIFORNIA
COUNTY OF
Luis Obispo
}ss. }
On
July 29, 2005
before me,
I). Ic
personally appeared
Patricia Martin
personally known to me name(s) is/are (or proved to me on the basis of satisfactory evidence) to be the person(s) whose executed the same subscribed to the within instrument and acknowledged to me that he/she/they the instrument the in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument. person(s) or the entity upon behalf of which the person(s) acted, executed
S
(This area for official nolarial seal)
Title of Document Date of Document
Deed of Trust July 29, 2005 nie
No. of Pages
16
Other signatures not acknowledged
3008 (1/94) (General) First American Title Insurance Company
END OF OOCUMENT
EXHIBIT C
Office of Thrift Supervision
j)
Department of the Treasury

700 G Street, NW., Wsshington, D.C. 20552
(202) 066000
April 21., 2006
CERTIFICATE OF CORPORATE EXISTENCE
REFERENCE: World Savings Bank, FSB Oakland, California Supervision, hereby certify, according to the records of the Office of Thrift Supervision, Department of the Treasury, Washington, DC:
I, Nadine V. Washington, Corporate Secretary, Office of Thrift
1. World Savings Bank, FSB, Oakland, California, was chartered under the laws of the United States to transact the business of a Federal savings bank; 2. The charter of World Savhgs Bank, FSB, Oakland, California, is in full force and effect;. 3. The Office of Thrift Supervision has not appointed a conservator or receiver for World Savings Bank, FSB, Oakland, California; and 4. As of April 21, 2006, World Savings Bank, FSB, Oakland, California, is operating as a BIF-Insured financial institution.
Corporate Secretary
Office of Thrift Supervision

Department of the Treasury
NChO1C X Ai.5Lstwit Rgloiwl Dhecor
94014-1976 Pacific plaza, ZOOl .Tunipero Srra Boulevard, Suite 650, Daly Ct, CA Fax (650) :746-7001 7165, San Francisco, CA 94120-7165 Te1cphone (650) 746-7025 P.O. Box
November19, 2007
Yoim A. Stoker, Bsq. Vice President and .ssistant General Counsel Wachovia Corporation Legal Division NC0630 One Wachovia Center 301 South Charlotte Street Charlotte, NC 28288
Re World Savings Bank, PSB, Oakland, California Notice of Amendment of Charter and Bylaws Dear Mr. Stoker: vhich you This is in response to your letter, dated November 2,207, with enclosures, Savings Bank, FSB sled with the Office of Thrift Supervision (OTS) on behalf of World via Mortgage, to amend the savings banks charter and bylaws to change its name to Wacho office addrss FSB and reect a cbnge in the location of its home offle, The now borne is 6825 Aliante Parkway, North Las Vegas, Nevad&
b)(2), and the The insltution met the requirements of 12 CF.R. 552.4(b) and 552.5( as set forth in the Board of pioposed amendments will be effeotve December 31,2007, also met.,. Directors resolution adptmg the changes to the charter and bylaws The hng ot ihe OTS if there : the requiremeaitof 12 C,F.R.4 545.91(b) that the savings brkn chahge in the pemlanent address of its borne office,
.
ns. Please feel,ee to contadt me at (650) 746-7025 if there are any ques.o Sincerely, Nicholas 3, Dyer Assistant Regional Director cc: Robert Burns, FDIC Atlanta
-
Charter No. 7971 Docket No. 12642 CHARTER OF WAdHOVIA MORTGAGEJSB
s bank is Section 1. Corporate title. The full corporate title of the saving . Wachovia Mortgage, FSB (the savings bank) in North Section 2. Office. The home office of the savings bank shall be located Las Vegas, Nevada. Section 3. Duration. The duration of the savings bank is perpetual. to pursue any Section 4. Purpose and Powers. The purpose of the savings bank is s bank chartered under section 5 of the oi all of the lawful objectives of a Federal saving incidental powers Home Owners Loan Act and to exercise all of the express, implied, and mental thereto, subject to conferred thereby and by all acts amenclatory thereof and supple or as they may the Constitution and laws of the United States as they are now in effect, ions, and orders hereafter be amended, and subject to all lawful and applicable rules, regulat of the Office of Thrift Supervision (OTS). Section 5. Capital Stock. The total xiumber of share of all classes of the capital of which shall be stock which the savings bank has the authority to issue is 30,000, all shares may be issued from time to common stock of par value of $10.00 per share The olders, except time as authorized by the board of directors without the approval of its shareh approval is required by as otherwise provided in this Section 5 or to the extent that such the shares shall be governing law, rule, or regulation, The consideration for the issuance of value. Neither paid in full before their issuance and shall not be less than the par nt for the promissory notes nor future services shall constitute payment or part payme shall be cash, issuance of shares of the savings bank. The consideration for the shares direct investment in such property would be tangible or intangible property (to the extent the savings bank, permitted to the savings bank), labor, or services actually perfonned for actual fraud in the transaction, the or any combination of the foregoing. In the absence of rs of the value such property, labor, or services, as determined by the board of directo , such shares shall savings bank, shall be conclusive. Upon payment of such consideration d, that part of be deemed to be fuliy paid and nonassessable. In the case of a stock dividen the issuance of the surplus of the savings bank which is transferred to stated capital upon their issuance. shares as a share dividend shall be deemed to be the consideration for officers, No shares of common stock shall be issued, directly or indirectly, to than as part of a general public directors, or controlling persons of the savings bank other the plan under which offering or as qualifying shares to a director, unless the issuance or total votes eligible to be cast they would be issues has been approved by a majority of the at a legal meeting.
336527v4
The holders of the common stock shall exclusively possess all voting power. Each holder of shares of common stock shall be entitled to one vote for each share held by such holder, except as to the cumulation of votes for election of directors. In the event of any liquidation, dissolution, or winding up of the savings bank, the holder of the common stock shall be entitled, after payment or provision for payment of all debts and liabilities of the savings bank, to receive the remaining assets of the savings bank available for distribution, in cash or in kind. Each share of common stock shall have the same relative rights as and be identical in all respects with all the other shares of common stock. Section 6. Preemptive rights. Holders of the capital stock of the savings bank shall not be entitled to preemptive rights with respect to any shares of the savings bank which may be issued Section 7. Directors. The savings bank shall be under the direction of a board of directors. The authorized number of directors, as stated in the savings banks bylaws, shall not be fewer than five nor more than fifteen except when a greater number is approved by the Director of the OTS. Section 8. Amendment of charter. Except as provided in Section 5, no amendment, addition, alteration, change or repeal of this charter shall be made, unless such is first proposed by the board of directors of the savings bank, then preliminarily approved by the OTS, which preliminary approval may be granted by the OTS pursuant to regulations specifying preapproved charter amendments, and thereafter approved by the shareholders by a majority of the total votes eligible to be cast at a legal meeting. Any amendment, addition, alternation, change, or repeal so acted upon shall be effective upon filing with the OTS in accordance with regulatory procedures or on such other date as the OTS may specify in its preliminary approval.
,.----
Attest:
Mark C. Treanor, Secretary Wachovia M Ig e, SB Attest & CEO Wachovi a Moit ge, FSB
Attest:
e 1 Secret ry of the O of Thrift Supervision

Attest:
Di ctor of the OYfice of Thrift Supervision
Effective Date: December 31, 2007
33 6527 v4
SECRETARY S CERTIFICATE WACHOVIA MORTGAGE, FSB
(the Bank) I, Hope Armstrong Howe, Assistant Secretary of Wachovia Mortgage, FSB do hereby certify the following: of the Charter of 1. Attached hereto as Charter No. 7971, is a true and complete copy er) effective December 31, 2007 and signed by Wachovia Mortgage, FSB (the Chart said Charter the Secretary and the Director of the Office of Thrift Supervision, and that is now in full force and effect. the seal of IN WITNESS WHEREOF, I have hereunto subscribed my name and affixed th 16 day of March, 2009. the Bank on this
(SEAL)
1-lope Armstrong Howe Assistant Secretary Wachovia Mortgage, FSB
FDIC:Bank Find
Back to Search Bank Find History of World Savings Bank, Fsb, Sioux Falls, New Jersey (FDIC Cert: 27076) Falls, South Dakota (FDIC Cert: 3511) Note: This institution is currently part of Wells Fargo Bank, National Association, Sioux Date Event
1 2 3 4
5
10/8/1987 1/21/1995 1/21/1995 7/24/1996

8/30/1996
Institution established. Original name: Watchung Hills Bank For Savings (2ZZ)
Changed name to World Savings Bank, F.S.B. (27076).
6 7 8 9 10 11 12 13 14
15 16 17 18 19
12/31/2000 4/16/2001 12431/2007 12/31/2007 11/1/2009 11/1/2009 11/112009 11/1/2009 11/1/2009

11/7/2009 3/20/2010 3/20/2010 4/10/2010 5/10/2010
Changed primary regulatory agency from Federal Deposit Insurance Corporation to Office Of Thrift Supervision. Moved bank headquarters from Warren, New Jersey to El Cajon, California. Moved bank headquarters from El Cajon, California to Oakland, California. California. Acquired World Savings And Loan Association, A Federal Savings And Loan Associati (ItI1.) in Oakland,
Changed name to World Savings Bank, Fsb (27076).
Changed name to Wachovia Mortgage, Fsb (27076). Moved bank headquarters from Oakland, California to North Las Vegas, Nevada. Changed name to Wells Fargo Bank Southwest, National Association (27076). Changed primary regulatory agency from Office Of Thrift Supervision to Comptroller Of The Currency. Changed organization type to Commercial Bank. Changed institution class to Insured Commercial Bank, National, Member Frs.
in Sioux Falls, South Merged into and subsequently operated as part of Wells Fargo Bank, National Association Dakota (jj)
20 21
11/1/2010 3/31/2011
Acquired Acquired Acquired Acquired Acquired Acquired Acquired
Wachovia Bank Of Colorado, Interim National Association (9j.j) in Denver, Colorado. Wachovia Bank, National Association (3) in Charlotte, North Carolina. Wachovia Bank Of Delaware, National Association (33j) in Wilmington, Delaware. Wachovia Card Services, National Association (4) in Atlanta, Georgia. Wells Fargo Hsbc Trade Bank, National Association (Z5) in San Francisco. California. Wells Fargo Alaska Trust Company, National Association (57755) in Anchorage, Alaska. Wells Fargo Central Bank () in Calabasas, California.
http://www2.fdic.gov/idasp/main3.asp[3/14/20 12 12:39:13 PM]
C)
Comptroller of the Currency ks AdminIstrator of National Ban Large Sank Licensing
November 1, 2009 Mr. James E. Hanson Vice President tion Wells Fargo Bank, National Associa 90 South Seventh Street Minneapolis, MN 55479 Re
ada to a nationaJ rtgage, FSB, North Las Vegas, Nev Application to convert Wachovia Mo into Wells Fargo Bank, verted bank wnh and bank and application to merge the con South Dakota National Association, Sioux Falls, L-O1-0007 and 2009-ML-02-00IO Application Control Numbers: 2009-M
Dear Mr. Hanson: (0CC) of the the Comptroller of the Currency This letter is the official certification of to a national bank with the , North Las Vegas, Nevada 9 TIns is conversion of Wachovia Mortgage FSB ociation, effective November 1, 200 Fargo Bank Southwest, National Ass tion with name Wells Bank Southwest, National Associa cial certification to merge Wells Fargo e also the offi ota, effectiv Association, Sioux Falls, South Dak and into Wells Fargo Bank, National November 1, 2009. 94 or by email at: please contact me at (202) 874-52 have questions regarding this letter, If you number or numbers reference the application control phen.Lybarger@occ.treas.apv. Please Ste in any correspondence. Sincerely,
&epbg
Large Bank Licen
ead Expert
EXhIBIT I)
WMJHOvIA
ESCROW STATEMENT
ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT

ANALYSIS DATE:
04/06/2009
PATRICIA MARTIN P0 BOX 869 GROVER BEACH CA 93.483-0859
6670
LOAN NUMBER:
0040638090
PROPERTY ADDRESS:
342 N 4TH STREET GROVER BEACH CA 93433
YOU UNDERSTAND WHY YOUR HOME LOAN PAYMENT MAY BE CHANGING THIS STATEMENT WILL HELP
-
to your escrow account. At This annual disclosure statement is required by Federal law and provides a detail summary of activity related premiums, and/or mortgage your request we maintain an escrow account that is used to pay items such as your property taxes, insurance insurance. If you have questions about this statement, please refer to the enclosed guide.
YOUR HOME LOAN PAYMENT
payment, total escrow payment, and This section provides a breakdown of both your current and new payments, including the minimum to Section 3 for an explanation of how repayment of any shortage that may exist (or credit for an overage of less than $50). Please refer mortgage, an additional payment may occur on your new escrow payment amount was calculated. If your loan is an adjustable rate
the anniversary of your loan. Refer to your billing statement for additional payment options.
NEW MONTHLY HOME LOAN PAYMENT
Minimum Payment Escrow Payment Shortage Payment or Overage credit Credit Life and/or Disability Payment Other
CURRENT MONTHLY HOME LOAN PAYMENT

$1,293.24 $150.10 $.00 $.00 $.00 $1,443.34
$1,293.24 $159.77 $lO.98 $.00 $.00

$1,463.99
TOTAL MONThLY PAYMENT NEW PAYMENT EFFECTIVE DATE
06/1 5/09
ESCROW SHORTAGE
Your escrow account has a shortage. You have three options for repaying the shortage: make a full shortage payment of $131.79. This option will reduce . You may use the escrow shortage remittance form attached below to your option will reduce your escrow shortage by the . You may use the remittance form attached below to pay a portion of the shortage. This total home loan payment by $10.98 and will provide the lowest monthly payments. amount you pay. Any remaining shortage will be spread over 12 monthly payments. The shortage amount You may choose not to pay any portion of the shortage amount at this time, in which case no action is required. Please disregard the remittance form has been spread over 12 payments and included in your new monthly home loan payment. attached below. 3 ANTICIPATED ESCROW ACCOUNT DISBURSEMENT AND NEW ESCROW PAYMENT AMOUNTS FOR THE NEXT 12 MONTHS collect for and pay on your behalf during the This section shows the property tax amounts and/or insurance premiums we anticipate we willitem or we may project the next amount due, as dollar amount shown may reflect the last amount actually paid for each next 12 months. The and tax payments are disbursed before allowed by Federal law (See Section 5 for an explanation of escrow account projection). Insurance their due date to allow for mailing and processing time at the tax office or insurance company.
ESCROW ITEM YEARLY DISBURSEMENT AMOUNT
$0.00 $1,284.24
NEW MONTHLY ESCROW PAYMENT AMOUNT

$0.00 $107.02 $52.75
Mortgage Insurance Taxes Insurance
TOTALPAYMENTSFROMESCROW
$632.97 $1,917.21
$159.77
t amount over 12 payments. Your new monthly escrow payment amount is calculated by dividing the yearly disbursemen
II
WACHOVIA
Make your check payable to Wachovia Mortgage and write your loan number on the memo line of your check.
Name: PATRICIA MARTIN Loan Number 0040638090
Escrow Shortage Payment Options:

Full shortage payment of $131.79 Reduces escrow payment by $10.98 and provides the lowest monthly
payment.
Q
Wachovia Mortgage P.O. Box 659406 San Antonio, TX 78265-9406
Other shortage payment: Reduces escrow shortage by the amount you pay. Any remaining shortage will be spread over 12 payments.
$______
IMPORTANT INFORMATION
Should you have any questions or need additional information, please contact our Customer Service Center at 800-642-0257, extension 33676. A representative is available to assist you Monday through Friday, 9:00 am. to 9:00 p.m., and Saturday, 9:00 am. to 6:00 p.m.. Eastern Time. This statement is for informational purposes only. Please be advised that Wachovia Mortgage may be attempting to collect a debt. If you are currently in bankruptcy or your debt has been discharged in bankruptcy, Wachovia Mortgage is exercising its right against the property and is not attempting to hold you personally liable on the Note.
5 YOUR ESCROW ACCOUNT PROJECTION FOR ThE NEXT 12 MONTHS

This section lists a 12-month running escrow balance to determine the appropriate target balance and to determine if a shortage or overage exists. All anticipated payments into escrow and disbursements from escrow are included along with the projected escrow account balance, derived by carrying forward your current actual escrow balance. Please refer to Section 3 for an explanation of how your new escrow payment amount was calculated.
PAYMENTS INTO ESCROW DISBURSEMENTS FROM ESCROW ESCROW ACCOUNT BALANCE
MONTHI
PROJECTED
MORTGAGE
PROPERTY
FLOOD
HAZARD
OTHER
PROJECTED $187.72 $347.49 $507.26 $667.03
REQUIRED $319.51 $479.28 $639.05 $798.62
1N4
$159.77 $159.77 $159.77
lN
06/09 07/09 08/09
09/09 10/09
11/09 12/09
$159.77 $159.77
$159.77 $159.77 $642.12
$826.80 $986.57
$504.22 $663.99
$958.59 $1118.36
$636.01 $795.78
01/10
02/10
$159.77
$159.77 $632.97
$823.76
$350.56
$955.55
$482.35
03/10 04/10 05/10 TOTAL
$159.77 $159.77 $159.77 $I917.24
$642.12 $1284.24 $632.97
$131.79$27.98 $187.75
$0.00 $159.77
$319.54
Wachovia Mortgage does not collect or require a cushion in your escrow account. We require that your escrow balance be $.00 at the end of March 2010. We project your escrow account balance will be $131.79-at that time. This means you have a shortage of $131.79-. We have divided the shortage over 12 monthly payments. Please keep this statement for comparison with the actual activity in your account at the end of the next escrow accounting computation year.
6 YOUR ESCROW ACCOUNT HISTORY FOR THE PAST 12 MONTHS

The following is a statement of actual activity in your escrow account from 06/08 through 05/09. The information below provides a summary of what we projected would occur compared to what actually occurred in your escrow account.
I MPNI!i/
YEAR
PAYMENTSINTOESCROW PROJECTED ACTUAL
I I
* *
DISBURSEMENTSFROMESCROW I DESCRIPTION
I I
ESCROWACCOUNTBALANCE
PROJECTED
PROJECTED
06/08 07/08 08/08 09/08

10108 11/08
$150.10 $150.10 $150.10 $150.10

$150.10 $150.10
$150.94 $445.26
$300.15 $450.25 $600.35 $750.45 $900.55

$1050.65 $626.57 $642.12* COUNTY TAX
$150.89 $301.83 $301.83 $747.09 $747.09

$897.19
$150.10
*
12/08 01/09 02/09 03/09
$150.10 $150.10 $150.10 $150.10
$457.24 $150.l0 $150.10 $150.10
$548.01 $626.57
$632.97 $642.12
HAZARD INS COUNTY TAX
$574.18 $724.28 $874.38 $476.47 $0.00
$255.07 $712.31 $862.41 $379.54 $112.48-
04/09
05/09
$150.10
$150.10
$150.10
$150.10
$150.10
$300.20
$37.62
$187.72
TOTAL
*
-
$1801.20
$1954.04
$1801.15
$1917.21
An asterisk (*) shows a difference between what actually occurred and what was anticipated. A difference can be due to art increase or decrease in the amount of an escrow bill or due to the disbursement of funds on a date other than originally anticipated. E- The letter E beside an amount indicates the payment or disbursement has not yet occurred but is estimated to occur as shown.
During this period, an additIonal $6.94 was deposited into your escrow account for interest on escrow.
EXHIBIT E
Wachovia Adjustable Rate Mortgage HOMEOWNER ANNIVERSARY PAYMENT NOTICE
Patricia Martin P0 Box 869 Grover Beach, CA 93483-0869
July 01, 2009 Re: Your Wachovia Loan# 0040638090 Property Address: 342 N 4TH STREET GROVER BEACH CA 93433-1533
Happy Anniversary! Thank You again for choosing a Wachovia Adjustable Rate Mortgage to finance your home in August 2005, As you know, your loan has a minimum monthly payment (referred to as the Minimum Amount Due on your loan billing statement, excluding additional payments you may be making to tax and insurance escrow accounts) which changes only once a year on your Anniversary date. Through this letter, we are notifying you that your new minimum monthly payment will be $1,390.23 as of September 15, 2009 and remain at that level for twelve months. In this letter we also remind you that your interest rate, unlike your minimum monthly payment, may change monthly. We provide you with the monthly interest rate changes that affected your loan over the last year in the table below. Your minimum monthly payment will change for the next year. We calculated your new minimum monthly payment as required by your loan agreement. We used the current interest rate, the projected loan balance on your upcoming Anniversary date and the remaining years left on your loan: New minimum monthly payment (w/o escrow payments): Projected Loan Balance (as of 09/1S/2009*):_ Your COST Index (as of 07/01/2009): Current Interest Rate: Previous minimum payment amount (w/o escrow payments): Index at Prior Adjustment: Interest Rate at Prior Adjustment: $1,390.23 $275,593.29 3.510% 6.800% $1,293.24 3.910% 7.200%
-
(The back of this letter Contains definitions of the terms used in this table After calculating the new minimum monthly payment, we checked to your payment amount triggered your loans Payment Change Limit.
see if the change in
Your Payment Change Limit (Payment Cap) will limit the increase in your payment. Youll be happy to know that your 7.50% annual payment cap protected you by limiting your new minimum monthly payment to $1,390.23. Without the cap, the fully amortized monthly payment would have been $1,885.03. Your payment changes annually, but your interest can change monthly. Unlike your minimum monthly payment, your loans interest rate may have varied monthly as your loans index changed. Here are the interest rates and indexes that we used to determine your interest rate since your last payment change. Payment Effective Date** 07/15/09 06/15/09 05/15/09 04/15/09 03/15/09 02/15/09
*
Monthly Interest Rate 6.800 6.840 6.890 6.890 6.980 7.050
Monthly Index 3.510 3.550 3.600 3.600 3.690 3.760
Payment Effective Date** 01/15/09 12/15/08 11/15/08 10/15/08 09/15/08 08/15/08
Monthly Index 3.780 3.760 3.740 3.730 3.770 3.740
This will be your balance if you make all minimum payments between now and then.
Payment Effective Date means the date that a change in your index actually affected your interest rate, which can be up to one month after the index changed. Please see over for definitions and other information. If you have questions about anything in this letter, refer to the enclosed brochure or call our VIP Customer Group at 800-909-1825. ARWSL 001 WSL
**
EXHIBIT F
11-0809
MOP LETTERWRITER ACTIVITY FOR MONTH OF 10-09
PAGE154,156 lc FORM8X11 PRINTERH100 SECURITY1
LOAN= 0040638090 DATE=l0-06 USER=CPI KEY=C0650 VERS=077 TITI.E=Paynent Request LINESPER-PAGE=ND CONDITIONS=2
October 05,
2009
Loan Number:
0040638090
Patricia Martin 90 Box 869 Grover Beach, CA 93483 0869
Dear Patricia Martin Wachovia Mortgage has not received the payment due on September 15, 2009. Please make th payment immediately, including any late charges due
for a total of $ 2,243.47. If this payment has already been made, then please disregard this notice. Please note that the following payment options are available. o Call 8006420257 to make your payment by phone; o Pay online at waohovia.oom; o Call 18883451335 to discuss payment arrangements (Monday through Friday 9:00 a.m. to 11:00 p.m. and Saturday, 9:00 a.m. to 6:00 p.m., Eastern Time); o Mail payments to: Wachovia Mortgage Cashiering Dept T74l6023 90 Box 659568 San Antonio, TX 782659568 If you are having difficulty making payments, please_contact_us timiediately_to_discus s_new_assistence_programs_available_through Nachovia. You may also be eligible for home ownership counseling. To locate a BUD approved housing counseling agency in your area, please contact MOD Please be advised we may report information about the at 800569-4287. account to credit bureaus. If this is an BLOC, we may suspend advance privileges if payment is not received. Section 6050J of the 1984 Tax Reform Act requires lenders to report foreclosures and abandonments to the Internal Revenue Service. Loan Counseling Department MOTICE: Please be advised that Wachovia Mortgage may be attempting to collect a debt. If you are currently in bankruptcy or your debt has been discharged in bankruptcy, Wachovia Mortgage is only exercising its rights against the property and is not attempting to hold you personally liable on the Note. cD6SO 077 cPI
EXHIBIT G
WACIIOVIAL
Property Address:
LOAN STATEMENT
Questions about your loan? CA 93433-1533 For quick answers, call 8 a.m.
342 N 4TH STREET GROVER BEACH

40636090
i800-6420257
am.
p.m. Mon.
Fit, 8
p.m.
Loan Number:
Sat., Central Time ready.)
Payment
Due
Date:
01/15/10
01/09/10
Statement Date:
II.!.
.11
II
MARTIN
1111111 I.II I
PATRICIA
PAYMENT OPTIONS
PC BOX 869 GROVER BEACH
CA 93483-0869
Select your option on the Payment Coupon below. Please see CHOOSING YOUR PAYMENT OPIIONS on reve,se side for explanations.
1) Hinimue Payment 2) Scheduled Principal and Interest 3) 15-Year Payniant Plan
2,243.47
To check the status of your Wachovia loan anytIme, day or night, wachovla.com isTt us at
For new purchase, refinance, or home equity loan assistance, i-800-9i4-8166 simply call
CURRENT PAYMENT EXPLANATION

Option 1. 1,307.82 82.41 170.75 682.49 2,243.47
Late Churgea/ Fees Due
YEAR-TO-DATE INFORMATION
Option 3 1,307.82 1,571.55 170.78 682.49 3,732.61
Year4o.Date Payments PrIncipal -11.77 Interest YearteDate Escrow DIsbursements Tunes
Payment Options lnterestDue Deferred lnterestj Pilrtclpai Paid Escrow/Other TotelPastDue Total Payment
Option 2 1,307.82 397.13 170.75 682.49 2,558.19
Additional Assessments
Homeowners Insurance
Past Due Amount
Total Pant Dan
Total Outstanding Deferred Interestt
Current Interest Rate 5.690
1,390.23 Late Charges/ Fees
682.49
682.4k
21,071.04
Other
See explanation of deferred Interest on reverse sIde under CHOOSING YOUR PAYMENT OPtIONS.
4 TRANSACTION ACTIVITY
Date 12/31 12/31 01/04 01/09 Description BEGINNING BALANCE INTEREST OH ESCROW 12/15 PHONE PitT ENDING BALANCE
Total Pnleclpal
Interest Paid
Interest Rate
Escrow
Optional Insurance
Late CflargeW Other Foss
Unupplted Funds
276,803. 49 10.02 1,560.98 .11.77 +275,815.26 1,390.23. 6.100
+557.27 +jQ.02 170.75 +738.04
5 IMPORTANT MESSAGES
Get a headotart on your ta*es!
through Wechoviae Online Services beginning January 2, 2010. Not yet enrolled?
wachovia.com
View end print your 2009 Mortgage Interest Statement (IRS form 1098)
Call 600-960-2296 tadey.
Please detach ceupeo and return with payment. Thank you.
Loan Number: 40638090 Name: PATRICIA MARTIN
PAYMENT OPTIONS See reveree side for explanation. Hake check payable to Wachovie Mortgage. $2,243.47 Minimum Payment Sched. Principal $2,558.19 and Interest 93,732 .61 15-Year Pat. Plan
Payment Due Date: PaymentAmount: Additional Ameunttogo to PrlnelpallDeferred Interest: Total Amount Enclosed:
0l/lS/1Q
WACHOVIA MORTGAGE P0 Box 60505 City of Induatry CA 91716-0505
To avoid a Late Charge of 83.41 please ensure payment Is receIved by 01/25/10

For change of address or phone number, check the boa and enter new information on reverse aide.
oc22soi:oooooL.o3ao9oli 1 l:5I
512
WACITOVIA
Property Address:
LOAN STATEMENT
Questions about your loan? CA 95453-1553 For qalak anawers, call 8 an $ pin. Mon. Pd.. S aim.
-
i8OO-642O257 5 pEt. Set, Central TIme
Loan Numben
Payment Due Date: Statement Date:
40638090 02/15/10 01/28/10
(fleas j
ready.)
-
IIIIIIII I 1I IU IIIIIIIIIIIII IIIIIIII IIIIIII1 1 IIIIIIIIIIIIII
PAYMENTOPTIONS
PATRICIA MARTIN PC BOX 669

GROVER BEACH
CA 93483-0869
Selectyew opUon en tIre Payment Cosqioi below. Please see CHOOSING YOUR PA1MENrOPIIONS em inverse side for evptarrallens.
3,887.86 To check the elaine ci year Wachovla loan anytime, day er night,
1) Minimum Payment
wachovla.com visit us at For new purchase, refinance, er home equity lean assIstance,
nimpti call
i-SOO-914-8i66

1,295.94 94.29 170.75 2,326.88 3,887.86
Ynar4n-Date Payments
Pnlncloai
Payment OpUses minrest Due Deferred Interestt PrincIpal Escrow/Other Total PeatOne Tetal Peymnst
Year.teDete Escrow DIsbursements Tenon
-U.?? Isterest 1,390.23 Addltlsnsl Assessments

Homeowners lrrnrrrarrca
Past Due Arsormtj Late Charges/i Islet Pest Due Feen Due
Total Oststssdlng Deferred isterestt
Qrrrerit Interest Rate
Late Clrergen/ Fees
C.
5.640 21,071.04 2 326 76S.9q 1,560.9 enpiana lion of deferred interest an reremse side under CKOOSING YOUR PAWWEWF OPTIONS.
Other
Date Descripties Teed Principal
+275,815.26 83.41 +275,815.26
Interest Pald
Interest Rate
Escrew +738.04
Optional Insurance
Late Churgmf Other Fees 83.41
Unappiled Funds
01/10 BEGINNING BALANCE 01/25 LATE CHARGE 01/28 ENDING BALANCE
e738.n4
wachovla.com
Your loan is 01 payment(s) past due. Your oldest payment was due 01/15/10. at eeeaeeeelf you era having difficulties making your mortgage payments, we encourage you to contact Wechovia already bean 1-888-345-1354. Sane of our payment plans nay pleasantly surprise you. If your payment has made, please disregard this massage. Get a haadatart on your tassel View and print your 2059 Mortgage Interest Stetaaent cIRS I ore 1098) 6 through Kachovias Online Services beginning January 2, 2010. Nat yet enrolled? Call 800-950-229 today. fleeue delanO cuupen eed return wok peymeet. Thank you.
0000040638090000156095000388786000397127000000000000000000000D0000004859E
Loam Number: 40638090

Name: PATRICIA MARTIN
Hake cheek payable to Wechovia Mortgage. Payment Due Date:

-
seeeweww
Hiniaua Payaant
$3,887.86
PaymentAmount: Additional Amount to go to Princlpel/Deferred Interest:

Total Amount Enctoned: 83.41 To avoids Late Charge of please ensure payment is received by 02/25/10
drack Urn Iron eat emrterrewlnfernmatan on reverse aide.
WACHDVIA MORTGAGE PD Box 60505 City of Industry CA 917160505
I IiII,.I.III.inIt,III.IIiIIirrrI.I,IIiti,III,.IIi, I
Fernhsnge of eddresa orplreee nsmnber,
l:s.oo222sot:ococcL,D3aDqcli
SL2
WACHOVIA
Property Address: Loan Number; Payment Due Date: Statement Date:
40638090 05/15/10 03/04/10
LOAN STATEMENT
QuestIons about your loan? i8OG642.O257 CA 93453-1533 For quick answers, call 8 am. 8 p.m. Mon. FrI., 8 a.m. 5 p.m. Sat., Central Time (Please Ilaveyaur lean and Social SecuritY numbers ready.)
it It
DUPLICATE LOAN STATEMENT
I
P0 BOX 869 GROVER BEACH
PATRICIA MARTIN
PAYMENT OPTIONS
CA 93483-0869
Select yc or option on fire Payment Coupon below. Please see CHOOSING YOUR PAYMENT OP7IONS on revelse side for explanailonl
1) Minimum Peymen 2) Scheduled Principal arid Inceras 3) 15-Year Paymerrt Plan
3:912:89
To check tire status 01 your Wachovia loon anytime, day or night, 01011 us at wachovla.com For new purchase, refinance, or borne equity loan assistance, i-800-9i4-8i66 slmp call

Option 1 1,277.13 113.10 170.75 849.31 2,410.29 Option 2 1,277.13 410.03 170.75 849.31 2,707.22 Option 3 1,277.13 1,615.70 170.75 849.31 3,912.89
YEAR-TO-DATE INFORMA11ON
year4oDute Payments Principal YeartoDute Escrow Disbursements Tunes
Payment Options interest Due Deferred intarestt Principal Paid Escrow/Other TotaiPastDue Totai Payment
164.93
interest
Homeowners
Past Dun Amount
Late Chargeo/ Fees Due
Fetal Past Due
Total Outstanding
Current Interest Rats

5.560
849.331
i 849.3.
Deferred interestt
2O,894.3
I I
4,170.69 Late Charges/
Fees
insurance
Other
tSee espIaeatisr of deferred lntereot on rove roe side under CHOOSING YOUR PAYMENT OPIIONS
Date 01/29 02/09 02/25 02/26 02/26 03/04 Description BEGINNING BALANCE HAZARD INS LATE CHARGE 01/15 PHONE PI4T 02/15 PHONE PitT ENDING BALANCE Total Principal
+275,815.26 994.89 83.41 1,560.98 1,56o.9a -82.41 -94.29 +275,638.56 1,307.82 1,295.94 5.690 5.640
Interest Paid
interest
Rate
Escrow
+738.04 -994.89
Optional lesurance
Late Ghargen/ Outer Fees
tinappited.
Funds
83.41 +170.75 +170.75 +84.65
wachovla.com
Ga* a hwadaart on your 4exes! Viet, and prin+ your 2009 Mortgage In*eras Statement (IRS form 1098) througle )fechovias Online Services. Not ye* enrolled? Call 800-950-2296 today.
Please detach coupon and return with payment. Thank you.
Loan Number: 40638090
PAYMENT OPTIONS
-
Payment Due Date:
03/15/10
Name: PATRICIA HARTIN
Sea raveree aide for explanatiori. Hake check payable to Wachevia Horigaga. PaymentAmount: Minimum Paynent $2,410.29 Additional Amount to go to Sched. Principal 62,707.22 PrincipailDeferred Interest: and Interest 15-Year Port. Plan 63,912 .89
WACHOVIA MORTGAGE PD Box 60505 Ci*y of Induefry CA 91716-0505
Total Amount Enclosed:
To avoid a Late Charge of 83.41 please ensure payment is received by 03/25/10 For change of address or phone number, check the box end enter new Information on reverse side.
Do
a3o9oii 1 2soI:oDoooL SL
WACHOVIA.
Property Address: Loan Number:
49638090 10oa7 CA 93433-1533 Far quick answers, call 2 am. 8 p.m. Mon. Fri., 8 am. (PIe have
LOAN STATEMENT
1.8006420257
-
5 p.m. Sat., Central Time ready.)

Payment Due Date; Statement Data;
04/15/10
vaja,,io
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PATRICIA MARTIN P0 BOX 869 GROVER BEACH CA 93483-0869
PAYMENTOPTIONS
Seloct yew option on the Figimsnt Coupon below. Please see CHOOSING YOUR PAYMENT OPIIONS on reverse side for explenatlcw&
1) Miniiuz, Payment 4,054.68 To check the status of your Wathovta loan anytime, day or night, Wachov)a.Com visit us at For now purchase, refinance, or home equity loan assistance, i-800-9i4-8i66 simply call

1,272.01 1.18 22 1.70 75 2,493.70 4,054.68 i.ate Chatges/ Fees Due
Year4o-Date Payments Pitnclpai 164.93 interest Total Outstanding Deferred Interestf 4,170.69 Late Charges! YeartoDate Escrow Dloburseinrents Taxes 654.95 Additional Pseesomunte Homeowners 994.89 Other
Payment OpUses Interest Due Deferred Intorestt Pdnoipal Paid Escrow/Other Total Pastflue Total Payment
Pest Due Amount
Total Pest Due
Current Interest Rate
5.540 20,894.3 1,560.9 J 2,493.7k 932.7 hSee explanation of deferred Internet on reverse side under CHOOSING YOUR MYMENI OPflC)N5.
Date Description Total
Prhrctpal laterestPald Interest Escrow Optional LateCilerges/
Rate
03/OS BEGINNING BALANCE 05/25 COUNTY TA)( 03/25 LATE CHARGE 03/29 ENDING BALANCE +275,638.56 +84.65
eumnco
010cr Fees
Unupptled Funds
654.95 83.41
+275,638.56
-654.95
83.41
-570.30
wachovia.com
Your loan is 01 payment(s) past due. Your oldest payment wee due 03/15/10. tuweaaaruwIf you are having difficulties asking your mortgage payments, we encourage you to contact Wachovia at 1-888-345-1354. Some of our payment plans may pleasantly surprise you. If your payment has already been made, please disregard this messaga. Can* find your Mortgage Interest Steteroent to file your taxes? Print your 1098 Porn, through Wachevies Online Services. Net yet .nrolled? Call 800-95e-2296 today.
Please detach coupon and return with paymenL Thank yell.
0000040b380900001560980004054b&00U41380900000000000D000000000000000039609
Loan Number:
40638099
Hake check payable to Wachovia Mortgage. Payment Due Date:

-
Minimum Payment
64,054.68
PaymentAmount: Additional Amount to go to PrlncipellDeferred Interest: Total Amount Enclosed:

To avoid a Late Charge of 83.41 please ensure payment Is received by 04/26/10
WACHOVIA MORTGAGE PD Box 60505 City of Industry CA 91716-0505
Forchengeofeddress orphunenu,nbnr. check The boo and enter new Ir,formatlurr on reveres side.
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WACHOVIA
Property Address:
Loan Number:
342 N 4TH STREET GROVER BEACH 40638090 05/15/la 04/21/10
LOAN STATEMENT
Questions about your loan? CA 934331533 For quick answers, caN 8 am. 8 p.m. Mon. Fri., 8 am.
1.800642-0257 5 p.m. Sat., Central Time EHENT
(Please
Ca
numbers ready.)
C C
Payment Due Date: Statement Date;
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PAYMENT OPTIONS
Select your option on the Payment Coupon below. Please see CHOOSING YOUR PAYMENT OPTiONS on reverse side for explanatIons.
1) Minimum Payment 2) Scheduled Principal end Interest 3) 13-Year Payment Plan
2,410.29
To check the status of your Wachcvla loan enytime, day or nIght, wachovta.ccm visit us at Far flaw porchase, refinance or home equity loan assistance, i-800-9i4-8166 simply call

Option 1 1,271 .46 118.77 170.75 849.31 2,410.29 Option 2 1,271.46 416.02 170.75 *49.31 2,707.54 Option 3 1,271 .46 1,650.58 170.75 849.31 3,942.10
Year.to-Date Payments Yearto-Date Escrow Disbursements
Payment Op osa ti interest Due Deferred lnterestt Principal Escrow/Other TatalPastDue TetalPayment
Principal
396.25
Tanna
654.95
Interest 6,951.16 Lute Charges! Fdes 83.41

.
Additional Assessments Homeowners Insurance Other
Past Due Amount
Lots Charges! Fees Due
Total Past Due
Total Outstanding Currant Interest Rate Deferred intereattj

20,663.0 5.840
849.3I
849.3k
994.89
tSee explanation of deterred Interest en reverse side under CHOOSING YOUR PAYMENT OPTIONS.
Date 03/30 04/15 04/15 04/21 Descrlptlen BEGINNING BALANCE 03/15 PHONE P1ST 04/15 PHONE P1ST ENDING BALANCE Total Principal
275,638.56 -113.10 -118.22 +275,407.24
Interest Paid
Interest Rate
5.560 5.540
Escrow
-570.30 +170.75 +170.75 -228.80
Optional Insurance
Late Charges! Other Fees

83.41
ligapplied Funds
1,644.39 1,560.98
1,277.13 1,272.01
wachova.com
Give yourself a break! Let us try to help you manage your monthly mortgage payments through our Automatic Loan Payment (ALP) cyateni. Its easy to use and its free! You can draft your Waehovia Mortgage monthly payment frog a designated account on time, every time. For details, or to sign up, go to wachovia.com, log into your existing Onlinu Banking account and click on Transfer Funds, or- cei.l us at 800-642-0257.
Pleaae detach cospon and return with paymanL Thank you.
ODOOO4D6]8O9OOOU156O98OD4O90DO4937DOOOOOOODOOOO27O754OOO3942]O199868
PAYMENT OPTIONS See revers, aide for explanation. Make check payable to Wachovia Mortgage. Minimum Payment $2,410.29 Schad. Principal *2,707.84 and Interest 18-Year Pat. Plan $3,942.10
-
Payment Due Date: Payment Amount: Additional Amount to go to PrincipallDeferred Interest: Total Amount Enclosed:
95/15/10
WACHOVIA MORTGAGE P0 Box 60505 City of Industry CA 91716-5505
To avoid a Lute Charge of 83.41 please ensure payment is received by 05/25/10 For change of address or phone number, check tile box and enter new Inrormatlon en reverse side.
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SL 2
WACH0vI&
Property Address: Loan Number: Payment Due Date: Statement Date;
342 N 4TH STREET GROVER BEACH 40638090 06/15/10 O5/29/1Q Questions about your loan? CA 93433-1533 FOr quick anawens, call 8 am. 8 p.m. Mon. Pd., 8 a.m. (Please haveg
-
LOAN STATEMENT
i5OO.642.O257
5 p.m. Sat., Central lime 4nbers 5 Irp ready.)
I
PAYMENT OPTIONS
Select your option on the Payment Coupon below. Please see
CHOOSING YOUR PAYMENT OP7IONS on reverse oWe far explanatIons.

1) Miniasue Payment 2) Scheduled Principal arid Interest 3) 15-Year Payment Plan 2,465.46 2,767.54 4,016.63 To check the status of your Wachovia lean anytime, day or night, wachovla.com bleit us at For new purchase, refinance, or home equity lean assistance, i-800-9i4-8166. slmp call

Option 1 1,270.92
119.31 228.92 549,31 2,468.46 Option 2 1,270.92 418.39 228.92 849.31 2,767.54 Option 3 1,270.92 1,667.48 228.92 849.31 4,016.63
Year-to-Date Payments Principal 515.02 Year-Se-Date Escrow Disbursements Taxes 654.95
Payment Options interest DUe Deterred lnterestt Principal Paid Escrow/Other ToiaiPestDue Total Payment
Interest
Additional Assessments Homeowners Insurance 994.89 Other
Past Due Amount
Lute Charges/ FOes Doe
Total Pest Due
Total Outstanding Deferred lnterestt
Current Interest Rats
849.3 20,544.2 5.540 849.3k tSee explanation of deferred Interest on reverse side under CHOOSING YOUR PAYMENT OPTIONS.
8,341.38 Late Charges! Tees 83.41
Date Description
Fetal
Principal +275,407.24 -118.77 +275,288.47
Interest Paid
interest
Rate
Escrow -228.80 +170.75 -58.05
Optional Insurance
Late Chargesf Other Fees
tlnapplled Fends
04)22 BEGINNING BALANCE 05)24 05/15 PAYMENT 05)29 ENDING BALANCE
1,560.98
1,271.46
5.540
wachovia.com
Give yourself a break! Let us try to help you manage your monthly mortuege peyxients through our Automatic Loan payment (ALP) system. Its easy to use and free! You can draft your Wactiovia Mortgage monthly payment from a designated account on tome, every time. (See the enclosed insert.) To sign up, go to wachovia.caa, log into your existing Online Banking account and click on Transfer Funds, or call us at 800-642-0257.
Please detach
coupon artS (atom with payment. Thank vu.
DOfl0O4O638O9DIJOO161II500O46a46OOO255187flOO0OOaDOO0076?54Da04O1663O34277
PAYMENT OPTIONS See reverse side for explanation. Hake check payable to Wachovia Mortgage. Minimum Payment $2,468.46 Schod. Principal 62,767.54 end Interest 15-Year Pelt. Plan $4,016.63
Payment Due Dote:
96/15/la
Payment Amount:
Additional Amount to go to PrlncipallDeferred Interest: Total Amount Enclosed:
To avoid a Late Charge of 83.41 please ensure payment is received by 0 6/25/10
For eharre of address or phone number, cbectc the box end enter new InformatIon oil rename side.
WACHOVXA MORTGAGE PU Box 60505 City of Industry CA 91716-0505
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WACHOVIA
Property Address: Loan Number: Payment Due Date: Statement Date: 342 N 4TH STREET
GROVER BEACH
LOAN STATEMENT
QuestIons about your loan? CA 93433-1533 Forqulckanswers, call B am. 8 p.m. Mon. - FiT., 8 a.m.
-
1.800.642.0257
-
5 p.m. Sat. Central TIme
40638090 07/15/10 06/29/10
(Please have
ready.)
Ib.I..h.II.I
PATRICIA MARTIN P0 BOX 869
GROVER BEACH CA 93483-0869
PTNS
Select your option on the Payment Coupon below. Please see CHOOSING YOUR PAYMENT OPtIONS on reve,se sIde for explanatloni
1) Minimum Payment
4,171.02 To check the statue of your Wachovia loan anytime, day or night, Wachovla.com vIsit us at
Per new purchase, refinance, or home equity lupn assistance, i.800.9i4-8i66 alniply call
2 CURRENT PAYMENT EXPLANATION

Payment Options intereott)ue Deferred interestf Pifnclpal Paid Escrow/Other
Year.toDate Payments Year.to-Date Escrow Disbursements N
1,268.07
122.16
228.92
2,551.87
Principal
515.02
Taxes
654.95
Total Past DUe

Total Paymnnt
4,171.02 Late Charges? Fees Due
interest
Past Due Amount 1,619.1 J
Total Past Due

,
Total Outstanding
Deferred lfltereat[
Current Interest Rate 5.530
932.7
2 551 8
20,544.211
tSee eienatica of dettererl interest on rename side under CHOOSING YOUR PAYMENT OPTIONS.
8,341.58 Late Charged Fees 83 41

.
Homeowners
Insurance 994.89
Other
Date Descrlptles
Totai
Principul
+275,288.47
Interest Paid
Interest
Encrew -58.05
Optlseat
Rate
05/30 BEGINNING BALANCE 06/25 LATE CHARGE 06/29 ENDING BALANCE 83.41
+275,288.47 -58.05
Insurance
Late Chnrge Other Fees
Unapplied
Funds
83.41
wachovia.com
Your loan is 01 paymenc(s) past due. Your oldest payment was due 06/15/10. e*e*eseXf you are haying difficulties making your mortgage payments, we encourage You to contact Ifachovia at 1-888-345-1354. Some of our payment plens nay pleasantly surprise you. If your payment has already been made, please disregard this message. Give yourself a break! Let us try to help you manage your monthly mortgage peynrente through our Autometic Loan Payment (ALP) system. Its easy to use end free! You can draft your Wachavie Mortgage monthly payment from a designeted account on time, every time. (Sea the enclosed insert.) To sign up, go to vnachovia.com, log into your existing Online Banking account and click on Trensfer Funds, or cell us at 600-642-0257. Pleaae deteck coupon end return with payment. Thank you.
O0O0fl4Oh3aO9O00O1619]5Ofl04171flfl0O425443ooaQoa0oOcl000ooooooooaoaoooo35]43
Loan Number; 40638090 Name; PATRICIA MARTIN
Make check payable to Wachovia Mortgage. Payment Due Date;

-
Minimum payment
$4,171.02
Payment Amount: AdditIonal Amount to go to PrlnclpalfDeterred Interest:
WACHOVIA MORTGAGE P0 Box 60505 City of Industry CA 91716-0505
Total Amount Enclosed; To avoid a Late Charge of 83.41 please ensure payment Is received by 07/26/10
check the bun and enter new information
on revers, side.
For change of address or phone number.
I:5Ltuu2so,:DoDooL,a38DgoIl.
si
I
Property Address: Loan Number: Payment Due Date: Statement Date:
40630090
LOAN STATEMENT
Questions about your loan? CA 93433-1533 For quick answers, cat 8 am. & p.m. Mon. FrI., 8 am.
-
(Please6
1.800-642-0257 5 p.m. SaL, Central rime reedy.)
07/15/10 07/12/10
I I,I,.,Ih,I.Ih.Ii..II.IIniI.iIu.IhiIiIii.eII..I.iIi.II.I
PAYMENT OPTIONS
Select your option on the Payment Coupon beiow. Please see

CHOOSING YOUR PAYMENT OPTIONS on Ieve,se side for explanations. 1) llinimuii Payment 2) Scheduled Principal and Interest 3) 15-Year Payment Plan 2,551.
4:115:28
To check the status of your Wechovia lean anytime, day or eight, wachovla.com vlsitusat For new purchase, refinance, or home equity lean assistance, 1.800-914-8166 simply call

Option 1 1,268.07 122.16 228.92 932.72 2,551.87 Late Chorgee/ Fees Due Total Post De Option 2 1,268.07 421.41 228.92 932.72 2,881.12 Option 3 1,268.07 1,685.57 228.92 932.72 4,115.28 Current interest Rate
yoar-toDate Payments Year-to-Date Escrow Disbarsements
Paymeat Options
InterestDue Deferred Interestt Principal PaId Escrow/Other TotaiPastriue Tetat Payment
Past Due Amnunt
Principal 634.33 interest 9,731.61 Late Chargea/ Fees 83.41
Taxes 654.95 Mdittortsi Assessments

Homeowners insurance
Total Outstanding Deferred irtterestt
20,424.9 5.830 t See explanation of deferred Interest on reverse side under CHOOSING YOUR PAYMENT OPTIONS. 932.7k
932.7
994,89
Other
Date Description Totai
Principal
Interest Paid
interest Rate 5.540
Escrow
Optional
Insurance
Late Charges! Other Fees
tieapplled Funds
06)30 BEGINNING BALANCE 07/06 06/15 PAYMENT 07/12 ENDING BALANCE
1,619.15
+275, 288 .47 -119.31 +275,169.16
1,270.92
-58.05 +228.92 +170.87
wachovia.com
Giv, yourself a break! Let us try to haip you manage your monthly mortgage payments through our Automatic Loan Payment (ALP) system. Its easy to use end free? You can draft your Wechovia Mortgage monthly payment from a designated account on time., every time. (See the enclosed insert.) To sign up, go to wachovia.com, log into your existing Online Banking account and click on Transfer Funds, or cell us at 800-642-5257.
Please detach coupon and return with payment. Thank yea.
PAYMENT OPTIONS Sea reverse sida for explanation. Hake check payable to Wachovia Mortgage. - Minimum Payment 92,551 .87 Sched. Principal 62,851.12 and Interest 15-Year Pat. Plan 64,115.28
Payment Due Date: Payment Amount: AddItional Amount to go to Principal/Deferred Interest: Total Amount Enclosed:
07/15/10
To avoid a Late Charge of 83.41 please ensure payment is received by 07/26/10 Forchange of address er phone number. check the box arid enter new information on reverse side.
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WACHOVIA
property Address: 342 N 4TH STREET
GROVER BEACH
LOAN STATEMENT
Questions about your loan?
CA 9).533 For quick answers, call
Loan Number; Payment Due Date: Statement Date:
40636090 08/15/10
1.800-642-0257 S n.m. 8 p.m. Mo,,. Fri., 8 n.m. 5 p.m. Sat., Central lime (Pieasehavej,ypoanai4gJinijPnbers ready.)
07/29/10
-
III i, IlIlulIllIlIll 11111111111111111111111111111.11111111111

PATRICIA MARTIN GROVER BEACH
P0 BOX 869
PAYMENTOPTIONS
CA 93483-0869
Select your option on tire Payment Coupon below. Please see CHOOSING YOUR PAYMENT OPtIONS on reverse side for explanations.
1) Minimum
Payiitarrt
4,254.43
To check the states of your Wachovia loan anytime, day or night, wacjiovla.com visit us at For new purchase, refinance, or home equIty loan assistance, .800-9i4-8166 slmp call

1,267.51 122.72 228.92 2,635.28 4,254.43
YEAR-TO-DATE iNFORMATION
Year4o-Date Payments Principal 634.33 Year4o-Date Escrow Disbursements Taxes 654.95
Payment Options
Interest Due
Deferred Ietarestt Prinsipul Paid Escrow/Other TotalPastDue Total Payment
Interest
Homeowners
Past Due Amount
Late Charges?
Fees Due
Total Punt Due
1,619.1 J
l,016.1
See eopianutlon of deferred Interest on reverse side under CHOOSING YOUR PAYMENT OPTIONS.
L 2 . 2635
Total Outstanding Deterred Interest

-
Current interest Rate

5.530
.j 424 , 20
9,731.. 61 Late Charges? Fees 83.41
insurance
99489 Other
Date Deacniptlon Total Principal +275,169.16 83.41 Interest Paid Interest Rate Escrow +170.87 83.41 Optional Insurance
Late CliargeW
Other Fees
Unapplied Funds
07/13 BEGINNING BALANCE 07/26 LATE CHARGE 07/29 ENDING BALANCE
+275,169.16
+170.87
wachovla.com
Your loan is 01 payr,ent(e) past due. Your oldest payment wee due a7/15/10. ewasewasIf you ar, having difficulties making your mortgage payments, we encourage you to contact Wachovia at 1-868-345-1354. Some of cur payment plans may pleasantly surprise you. If your payment hen already been made, please disregard this message. Give yourself a break! Let us try -ho help you manage your monthly mortgage payments through our Automatic Loan Payment (ALP) system. X*s easy to use and free! You can draft your Wechovia Mortgage monthly payment from a designated account on time, every lime. (See the enclosed insert.) to sign up, go to wachovia.coei, log into your existing Online Banking account end click ore Transfer Funds, or call us at 8006420257. Please detach ceupes and return with payment, Thank yea.
000004O638O9DOcIO16L1150U042541l3D0o433784000D000000000n0000000000000040i41
Make check payable to Wachovia Mortgage. Payment Due Date:

-
*ettaseew
Minimum Payment
$4,254.43
PaymontAmount:
Additional Amount to go to PrinclpailDeferred Interest:

WACHOVXA MORTGAGE P0 Box 60505 City of Industry CA 917l605a5
Total Amount Enclosed: To avoid a Late Charge of

Forchangeofaddreesorphonenxmber check ihe box end enter new Inrormetlon on rename aTde
pimane ensure payment is received by 08/25/10
83.41
c3aogoi. 1 :5L.co2sDI:oooooc
L2
WACHOVIA.
ProperLy Address:
LOAN STATEMENT
Questions about your loon? 1.800.642.0257 CA 95453-1533 For riulok answers, call 8 am. 8 p.m. Mon. FrI., 8 a.m. 5 pin. Sat., Central flme numbers ready.) TEMENT C C

342 N 4TH STREET GROVER BEACH 40638090
Loan
Number:
Payment Due Date:

Statement Date:
oa,is,io
08/14/10
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PAYMENTOPTIONS
Satect your option on the Payment Coupon below. Please see

CHOOSING YOUR M4flIENT OPTIONS on reverse sk threfw,atIonS.
2,633.28 2,936.37 4,215.59 To check the slates of visit its at
I) Ninia.un PeymenI 2) Scheduled Principal end Interest 3) 15-Year Payirant Plan
your Wachovia loan esytime, day or night,

WachOvIa.COm
For new purchase, refinance, or home equIty loan assIstance, j-800-9i4-8166 elmpbl call

1 1,267.51 122.72 228.92 1,016.13 2,635.28 Option 2 1,267.01 423.81 228.92 1,016.13 2,936.37 OptIon 1,267.51 1,703.03 228.92 1,016.13 4,215.59 Current interest Rate
Year.ta-Date Payments Principal 756.49 Interest 11,121.84 Year-toOate Escrow DIsbursements
Payment Options interest Due Deferred intereuti Principal Paid Escrow/Other TotaiPastDua Total Payment
Taxes
654.95 Additional Assessments
Past Due Amount
Lots Charges/ Fites Due
Total Past Due 1,016.15
Total Outstanding Dafened lrrterestt
Late Charges!
Fees
Homeowners
insurance 994.89 Other
5.530 20,3a2.8q t See euplanatlen of deferred interest err reverse side under CHOOSING YOUR PAYMENT OPTIONS. 1,t16.13
83.41
Date
Descriptise
Total
Principal
Interest Paid
Interest Rate
5.330
Escrow +170.87 +228.92 +399.79
OptIonal
Insurance
Late Charge 001cr Fees
Ueapplied Funds
07)30 BEGINNING BALANCE 08/09 07/15 PAYMENT 08/14 ENDING BALANCE
1,619.15
+275,169.16 -122.16 +275,047.00
1,268.07
wachovlacom
Give yourself a break! Let us try to help you manage your monthly mortgage paymencs through our Automatic Lean Pryasurat (ALP) system. fls racy to use end free! You cart draft your Hechovie Mortgage monthly payment (See the enoloced insert.) To sign up, go to wachovia.ceai, from a designated account en time, every time. log into your existing Online Banking account end click on Transfer Funds, or call us t 8006420257.
Pleese detach coupon end rnturn with peyment. Thank you.

PAYMENT OPTIONS See reverse side for explanation. Make check payable to Wechovia Mortgage. $2,635.28 Minimum Payirsunt Sched. Pru.nczpal 62,936.37 and Interest $4,215.89 15-Year Pint. Plan
-
Payment Due Date:

PaymentAmount: Additional Amountto go to PrincipaliDeferred Interest:
08/15/10
Total Amount Enclosed: TouvoldaLatoChargeof 83.41 please ensure payment is received by 08/25/10
ForchangeoIaddreosorphonenumber, check the box and enter new infurmatlon on reverse side.
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512
WACHOVIA
Property Address:
LOAN STATEMENT
CA 934331533 For qukk answers, call 8 a.m. 8 p.m. Mon. -
342 N 4TH STREET GROVER BEACH 40638090 09/15/10
1-800642.0257
FrI.,
8 a.m. 5
p.m. Sat., Central Time
Loan Number:
EMENT
numbers ready.)
C C
-
Payment Due Date: Statement Date:
06/28/10
IIIIIIIiIIIIItIIIIIIIIIIIIIIIIIIRIIIII,,IIIIIIIIiIIIII,IIIaI
i PAYMENTOPTIONS
1) MInimum Payment
GROVER BEACK
MARTIN PATRICIA P0 BOX 869
CA 93483-0869
Select ys if option on the Payment Coupon below. Please see CHOOSVIO YOUR PAYMENT OPI)ONS on reverse sIde for wlanetlens.
4,442.10 To check the status SI your Waclruvia loan visit us at For new purchase, simply call
refinance, or anytime,
day or sight, wachovla.com
home
equity
loan assistance, i-800-914-8166

.
YE4R-TO-DATE INFORMATION
Year-toDate Payments
PaymeelOptieiis
Interest Cue
Deferred interesti Principal Paid Escrow/Other TotatPastDue Total Payment
1,264.
Year-to-Date Escrow l)isbernemenla Teens
229.84 228.92 2,718.69 4,442.10

Total Past Due
Principal 756.49
interest 11,121.84 Late Cherges/ Fees 83.41
654.95 Additional Assessments Homeowners insurance Other
Past Due Amount 1,619.1 J
Late Charges? Fees Duo
Total Outstanding Deferred Interestt
Currant interest Rate
994,89
5.520 20,302.8th 2,718.6k 1,099.54 See eupienetloe of defmsd Interest on reverse side under CHOOSING YOUR PAYMENT OPTIONS.
Date Description Total Principal +275,047.00 83.41 +275,047.00 +399.79 Interest Paid Interest Rate
Escrow
Optional Insurance
Late Charges) Curer Fseu
Unappiind Funds
08/15 BEGINNING BALANCE 08/25 LATE CHARGE 08)28 ENDING BALANCE
+399.79 83.41
Your loan is 01 payment(s) past due. Your eldest payment was due 08/15/10. 1-888-343-1354. Some of our payment plans may pleasantly surprise you. made, please disregard this massage.
wachovia.com
-
CNCCWWMCIf you are having difficulties making your mortgage payments, we encourage you to conteet WSChQVIC
at
If your payment has already been
Give yourself a break! Let us try to help you manage your monthly mortgage payments through our Autoe,acic Lean Payment (ALP) system. Its easy to use end free! You cars draft your Wachovia Mortgage monthly payment from a designated account on time, every tine. (Sea the enclosed insert.) To sign up, go to wachovia.com, log into your existing Online Banking account and click on Transfer Funds, or cell us at 800-642-0257. Please deaeclr coupon and future wlSfl payment. meek you.
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Hake check payable to Wachovia Mortgage. Payment Due Date:

-
Minimum Payment
64,442.10
PaymentAmoune: Additional Amount to go to Principal/Deterred Interest
WACHOVIA MORTGAGE PG Box 60305 City of Industry CA 91716-0505
Total Amount Enclosed: ToavoidaLateChargeof 89.67 please ensure payment is received by 09/25/10
Forchengeofaddmesorpiionenrenbar, check rite bce end enter new h,furmailoa on reverse side.
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WACHOVIA
Property Address: Loan Number;
342 N 4TH STREET GROVER BEACH 40638090
LOAN STATEMENT
Questions about your loan? CA 93433-1533 For quick answers, call B am. B p.m. Mon. Fri., B a.m.

(Please haveJuL
LI,.
1.800-642-0257 5 p.m. Sat., Central Time 4alSjpAflJIcnbers ready.)

-
Payment Due Date:
10/15/10 10/04/10
Statement Date:
PAYMENT OPTIONS
PATRICIA MARTIN P0 BOX 869 GROVER BEACH
CA 93483-0869
Select your option on the Iyment Coupon below. Iease see CHOOSING YOUR PMINENTOPHONS on reverse side for axp1enellons.
1) MinimUm Payment 4,636.03 To check tOe status of your Wachovia loan anytime, day or night, wachonla.com visit us at For new purchase, refinance, or home equity loan assistance, i-8009i4-8i66 simply call

1,261.31
Year-to-Date
Payments
Payment Opliass
Interest DUO
Year-to-Date Escrow
Disbursements
Deferred lntnrestt Principal PaId Escrow/Other TotalPastDue Total Payment
233.18 228.92 2,912.62 4,636.03
PrIncipal 879.21 Interest 12,512.07 Late Charges! Peas 83.41
Taxes 684.98 Additional Assessments

Homeowners Insurance
Past Due Amount 1,723.4
20,l80.0 5.510 2,9l2.6 1,189.211 See eaplanatlen of deferred Interest err reverse side under CHOOSING YOUR PAhMENF OP7lONS
Late Chargee/ Fees Dire
Total Past Doe
Total Outstanding Deferred lnterestt
994.89
Other
ti
4 TRANSACTION ACTMTY
Date
08/29 09/25 09/28 09/28 10/04
Description Total Principal Interest Paid Interest Pate
Escrow +399.79
OptIonal Ineu,aece
Late Charges! Ouler Fees 89.67
Unappiled Funds
BEGINNING BALANCE LATE CHARGE 08/15 PAYMENT MISC APPL PAY ENDING BALANCE
+275,047.00 89.67 1,619.15 1,619.18 -122.72 *274,924.28 1,267.51 5.530
+228.92 +628.71 +1,619.15 +1,619.15
wachovia.com
Your loan is 01 payment(s) past dun. Your oldest p.yai.n-t was due 09/15/10. *rrrveeaewlf you era having djfficulta.s making your mortgage payments, we encourage you to contact Wachovia at 1888-345-1354. Some of our payment plans may pleasantly surprise you. If your payment has already bean made, please disregard this message. Give yourself a break! Let us try to help you manage your monthly mortgage payments through our Automatic Loan Payment (ALP) system. Its easy to use and free! You men draft your Wechovie Mortgage monthly payment -from a designated account era time, every time. To sign up, go to Wachuvie.com, log into Your existing Online aenscing account and click en Transfer Funds, or call us at 800-642-0287. Please detach coupon and return with payment. Thank ymu.
OD0OO4D63RODI]DD1?34IO8D4636U3D0D4725700ODDfl00DOOOOOOOOOOO00OOOOOO134975
Loan Number 40638090 Name: PATRICIA MARTIN
Make check payable to Wachovia Mortgage. Payment Due Date:

-
Minimum Payment
$4,636.03
PaynientAmount: Additional Amount to go to PrlnclpalIDmferred Interest: Total Amount Enclosed: To avotd a Late Charge of 89.67 please ensure payment is received by 10125/10 For chenge of address orphana number, check the box end enter new Information
on reverse aide.
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ILOOOIDQDQQlaOaOgali.
S2
WAOHOVTA
Property Address: Loan Number: Payment Due Date: Statement Date:
40638090
LOAN STATEMENT
CA 93433-533 For quick answers, call 8 a.m. B p.m. Mon. Fid., 8 am. 5
i.800.642-0257
p.m. Sat., Central
lime
(PIeasehaveJ&uLaEndalEflfnberSS ready.)
11115/10 10)28/10
II,I,,.,IIiiIiiII,,I,,.II.IIu,,Ii.IiiIIi.IuIiiiiII..IiiI.eII.I
PAYMENT OFflONS
Select your epSon on the Payment Coupon below. Phase see CHOOSJNG YOUR PAYMENT OP1IONS on inverse side for explanations.
1) MiniI,L Payment 6,449.11 To check the status of otult us at
yew Wachouta
loan anytime, day or might,
wachovla.com
For new porchase, refinance, in borne equity loan assistance, i-800-9i4.8i66 simply call

1,255.66 238.83 228.92 4,725.70 6,449.11
Year-to-Date Payments PrincIpal 879.21 Interest 12,512.07 Late Churges/ Fees $3.41 Year-co-Pate Escrow Disbursements Taxes 654.95 Add Unset Assesumeste Homeowners lnaura Other
Payment OpUses Interest Due Deferred Interestt PrIncipal PaId Escrow/Other TolalPestOue letal Payment
Past Due Amount
Late Charges/ Fees Doe
Total Past Due
Tolal Outstsridlsg Detarred Irsterestt
5.490 20,180.0 1,278.8 4,725.7k 3446.8 J 500 ercpienatlsn of deferred lnlerest on reverse slide under CHOOSING YOUR PAThIENTOPIION&
994.89
Date DescrIption Total Prtedpal
+274,924.28 89.67 +274,924.28 +628.71
Interest Paid
Interest Rate
Esorow
+628.71
Optional lssumnce
Late Qiargey/ Other Fees

89.67
Uuapplled Funds
+1,619.15 +1,619.15
10)05 BEGINNING BALANCE 10/25 LATE CHARGE 10/28 ENDING BALANCE
wachovia.com
Your loam is 02 payment(s) peat due. Your oldest payment was due 09/15/lu. wmxe,wwwI-f you er. having difficulties making your mortgage payments, we encourage you +0 contact Wachovia at 1-888-345-1354. Son, of our payment plans may pleasantly surprise you. If your payment has already been made.. please disregard this massage,
Please dalacfl coupon and return with paynwnt. maSk 300.
0000040638090UU017 23 4100064 411OOO653Th0DUDOO DO 000000000000 DDO0OD0O3L34
flake check payable to Wacteovia Mortgage. PaymantDueDate:

-
Minimua Payment
06,449.11
Payment Amount Additional Amount to go to PrlnclpallDeferred Interest: Total Amount Enclosed: To avoid a Late CThsrge Of 89.67 please ensure payment Is received by 11/25/10 For change of addresuor phone number. check the box and enter new Intormatleri on reverse elide.
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SL.
WACH0vJA
Property Address: Loan Number; Payment Due Date:
342 N 4TH STREET
LOAN STATEMENT
Questions about your loan? 1.800.6420257 CA 93433-1533 For quick answers, call 8 am. 8 p.m. Mon. Fol., 8 a.m. 5 p.m. Sat., Central Time (Please have your loan and Social Security numbers ready.) a C DUPLICATE LOAN STATEMENT s w
-
GROVER BEACH
40638090
12/15/10
11/30/10
Statement Date:
PAYMENT OPTIONS
PATRICIA MARTIN P0 BOX 869 GROVER BEACH
CA 93483-0869
Select your option on tire Payment Coupon below. Please see CHOOSING YOUR PAYMENT QPIIONS on ,everse side for asplanatlons.
1) Minimum Payment 8,262.19 To check the statas of your Wachovia loon anytime, day or night, wachovla.com visit us at sImply coil
For new purchase, refinance, or home equity loan assistance, 1-800-91.4-81.66
VV2

1,252.28 242 21 228.92 6,538.78 8,262.19
Year-tDate Payments Principal
879.21
Payment Options interest Due Deferred lnlurestt Principal Paid Escrow/Other Total PautDue Total Payment
Year4u.Date Escrow Disbursements Taxes

V
1,309.19
Pant Due Amountj Late Chergen/ P0cc Due

5,170.2
Total Past Due
Total Outstanding Deferred lsterestj
Currest Interest Rote
Interest 12,512.07 Late Chargea/ Fees .41
Addidcnal Assensmerflu Homeowners insurance
5.480 20,180.O l,368.S 6,538.7k See e,danatIon of defeiyed interest on reymne side under CHOOSING YOUR PAYMEI4TO,TIONS.
outer
Date 10/29 U/18 11/26 11/30 Deacrlptlen BEGINNING BALANCE COUNTY TAXES LATE CHARGE ENDING BALANCE Total Principal
+274,924.28
Interest PaId
Tntsrcot Rate
Escrow
+628.71 -654.24
Optional Insurance
Late Charges? Other Fees
Unappiled Funds
+1,619.15
654.24 89.67
+274,924.28
89.67 -25.53 +1,619.15
wachovia.com
Your loan is 133 payment(s) pest due. Your oldest psynen* was due 09/15/10. swawsewaIf you are having difficultiem making your mortgage payments, we encourage you to contact Wechovie at 1-888-345-1354. Some of our payment plans may pleesently surprise you. If your payment has already been made, please disregard this message. XNPORTANT TAX INFORMATION: To ammure you receive credit for interest paid in 2010, blaeae have your loan payment(s) remitted no later than December 24, 2010. You will be informed of th. total 2010 interest paid en your loan(s) on your 2010 Form 1098 mailed on or before January 31, 2011. This amount will also be reported to the IRS. Please delsch coupse sad ratani with paymenL Thank su.
000 0040 63809000 1317234 ]i000 826 21900 083518 60 00000 0000000 000000000 0000003 7260
Loan Number;
40638090
Hake chuck payable to Wachovia Mortgage. Payment Due Date: Minimum Payment 08,262.19 PaymentAmount: Additional Amount to go to PrlncipallDeferred Interest: Total Amount Enclosed: To avoid a Late Charge of 89.67 please ensure payment Is received by 12/25/10 Forcharrge ci address orptrcne number check th box and aster new information Os reverse aide.
IIACHOVIA MORTGAGE PD Box 60505 City of Industry CA 91716-0505
:soo2so:oooocmo3aoqo SL2
WACHOVIA MORTGAGE LOAN SERVICE P0 BOX 659558 SAN ANTONIO, TEXAS 78265-9558
WAcHOvI
CUSTOMER ACCOUNT ACTIVITY STATEMENT REQ BY PTS PATRICIA MARTIN P0 BOX 869 GROVER BEACH
DATE 12/01/11 1 PAGE
CA 93483
THANK YOU FOR ALLOWING US TO MEET YOUR MORTGAGE WE ARE PLEASED TO FORWARD TO YOU THE NEEDS. ACCOUNT ACTIVITY STATEMENT YOU REQUESTED. SHOULD YOU REQUIRE ADDITIONAL INFORMATION, PLEASE CALL 1-800-642-0257.
LOAN NUMBER: DATE PAYMENT DUE 09-15-10
0040638090 TOTAL PAYMENT AMOUNT 1,686.56 CURRENT ACCOUNT INFORMATION CURRENT LOAN PRINCIPAL PRINCIPAL INTEREST & INTEREST BALANCE PAYMENT RATE 273,305.13 5.52000 1,494.49
********************** ********* ******************* *****************************
ESCROW BALANCE 2,015.91-
PROCESS DATE
DUE DATE
11/30/11 ACTIVITY FOR PERIOD 01/01/10 TRANSACTION TRANSACTION DESCRIPTION CODE

-
EFFECTIVE DATE OF TRANSACTION OTHER CODE/DESCRIPTION
TRANSACTION AMOUNT 00-00 11-30-11 85.00 09-10 11-25-11 0. 00 09-10 11-20-11 659.67 11-11 11-18-11 659.6700-00 11-13-11 20.00 0000 10-10-11 20.00 00-00 09-11-11 20.00 0000 08-15-11 20.00 00-00 07-11-11 20.00 09-10 06-25-11 0.00
ESCROW PAID! PRIN. PAID! AMOUNT BALANCE BALANCE INTEREST

ATTORNEY ADVANCES 0.00 0.00 0.00 LATE CHARGE ASSESSMENT 152 0.00 0.00 0.00 ESCROW ADVANCE 161 0.00 659.67 0.00 COUNTY TAX 312 659.670.00 0.00 2015.91631 PROPERTY PRESERVATION 0.00 0.00 0.00 PROPERTY PRESERVATION 631 0.00 0.00 0.00 PROPERTY PRESERVATION 631 0.00 0.00 0.00 631 PROPERTY PRESERVATION 0.00 0.00 0.00 631 PROPERTY PRESERVATION 0.00 0.00 0.00 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00
630
96.39-1 LATE CHARGE
NEW PRINCIPAL/ESCROW BALANCES
89.67-1 LATE CHARGE
Wachovia Mortgage is a division of Wells Fargo Bank. N.A.
L-11740 F(ev02 (10/07)
WACHOVIA MORTGAGE LOAN SERVICE PC BOX 659558 SAN ANTONIO, TEXAS 78265-9558
WACHOVTA
CUSTOMER ACCOUNT ACTIVITY STATEMENT REQ BY PTS PATRICIA MARTIN LOAN NUMBER: 0040638090 PROCESS DATE
DUE DATE
DATE 12/01/11 PAGE 2
11/30/11 ACTIVITY FOR PERIOD 01/01/10 TRANSACTION TRANSACTION DESCRIPTION CODE

-
TRANSACTION AMOUNT 00-00 06-13-11 20 .00 00-00 05-20-11 876.41 00-00 05-16-11 80.00 00-00 05-16-11 20 .00 00-00 04-11-11 20 00 00-00 03-14-11 20.00 0910 03-03-11 6.54 .24 03-11 03-02-11 654.24.
ESCROW PAID! PRIN. PAID! AMOUNT BALANCE INTEREST BALANCE 631
00-00 02-25-11 1,058.20 00-00 02-12-11 20 00 09-10 02-02-11 681.42 02-11 02-01-11 681.42.
09-10 0.00 00-00 01-10-11 20.00 09-10 01-01-11 0. 00 01-25-11
PROPERTY PRESERVATION 0.00 0.00 0.00 ATTORNEY ADVANCES 630 0.00 0.00 0.00 MISC. F/C AND B/R EXPENSES 633 0.00 0.00 0.00 PROPERTY PRESERVATION 631 0.00 0.00 0.00 PROPERTY PRESERVATION 631 0.00 0.00 0.00 PROPERTY PRESERVATION 631 0.00 0.00 0.00 ESCROW ADVANCE 161 654.24 0.00 0.00 312. COUNTY TAX 654.240.00 0.00 NEW PRINCIPAL/ESCROW BALANCES 1356.24ADVANCES ATTORNEY 630 0.00 0.00 0.00 PROPERTY PRESERVATION 631 0.00 0.00 0.00 ESCROW ADVANCE 161 681.42 0.00 0.00 HAZ INS DSB 351 681.420.00 0.00 NEW PRINCIPAL/ESCROW BALANCES 702. 00LATE CHARGE ASSESSMENT 152 89.67-1 LATE CHARGE 0.00 0.00 0.00 PROPERTY PRESERVATION 631 0.00 0.00 0.00 REPAY OF ESCROW ADVANCE 168 4.95 4.950.00 0.00
.
Wachovia Mortgage is a division of Wells Fargo Bank. N.A.
L-fl 740 RevC2 (10/O7
WACJJOVIA
CUSTOMER ACCOUNT ACTIVITY STATEMENT REQ BY PTS PATRICIA MARTIN LOAN NUMBER: 0040638090 PROCESS DATE DUE DATE 11/30/11 ACTIVITY FOR PERIOD 01/01/10 TRANSACTION TRANSACTION DESCRIPTION CODE
-
TRANSACTION AMOUNT 12-31-10 09-10 4.95
ESCROW PAID! PRIN. PAID! AMOUNT BALANCE INTEREST BALANCE 160
INTEREST ON ESCROW DEPOSIT 4.95 0.00 0.00 NEW PRINCIPAL/ESCROW BALANCES 20.58152 LATE CHARGE ASSESSMENT 09-10 12-27-10 89.67-1 LATE CHARGE 0.00 0.00 0.00 0. 00 PAYMENT PRINCIPAL 175 09-10 12-03-10 1,619.150.00 0.00 1,619.15 0.00 NEW PRINCIPAL/ESCROW BALANCES 273,305.13 LATE CHARGE ASSESSMENT 152 09-10 11-26-10 89.67-1 LATE CHARGE 0.00 0.00 0.00 0 00 ADVANCE ESCROW 161 09-10 11-19-10 25.53 0.00 0.00 25 53 COUNTY TAX 312 11-10 11-18-10 654.240.00 0.00 654.24NEW PRINCIPAL/ESCROW BALANCES 25.53CHARGE ASSESSMENT LATE 152 09-10 10-25-10 89.67-1 LATE CHARGE 0.00 0.00 0.00 0.00 09-27-10 PAYMENT 172 09-10 09-28-10 1,619.15 0.00 0.00 0.00 1, 619.15 ARM LOAN ADJUSTMENT 493 09-10 09-28-10 1,494.49 NEW PRIN & INT PAYMENT: 0.05520 NEW INTEREST RATE: 09-27-10 PAYMENT 172 08-10 09-28-10 228.92 1,267.51 122.72 1,619.15 NEW PRINCIPAL/ESCROW BALANCES 628.71 274,924.28 SMENT LATE CHARGE ASSES 152 08-10 09-25-10 89.67-1 LATE CHARGE 0.00 0.00 0.00 0 00 LATE CHARGE ASSESSMENT 152 08-10 08-25-10 83.41-1 LATE CHARGE 0.00 0.00 0.00 0.00 ARM LOAN ADJUSTMENT 493 08-10 08-09-10 1,390.23 NEW PRIN & INT PAYMENT: 0.05530 NEW INTEREST RATE: 08-06-10 PAYMENT 172 07-10 08-09-10 228.92 1,268.07 122.16 1,619.15 NEW PRINCIPAL/ESCROW BALANCES 399.79 275,047.00
. . .
Wachovia Mortgage is a division of Wells Fargo Bank. NA.
L-11740 RevO2 UO/O7
Wachovia Mortgage P.O. Box 659558 San Antooio, TX 78265-9558
CUSTOMER ACCOUNT ACTIVITY STATEMENT REQ BY PTS PATRICIA MARTIN LOAN NUMBER: 0040638090 PROCESS DATE DUE DATE 11/30/11 ACTIVITY FOR PERIOD 01/01/10 TRANSACTION TRANSACTION DESCRIPTION CODE
-
EFFECTIVE DATE CF TRANSACTION OTHER CODE/DESCRIPTION
TRANSACTION AMOUNT 07-26-10
ESCROW PAID! PRIN. PAID/ AMOUNT BALANCE INTEREST BALANCE
LATE CHARGE ASSESSMENT 152 07-10 0.00 0.00 0.00 0 00 ARM LOAN ADJUSTMENT 493 07-10 0706-10 NEW PRIN 0.05530 NEW INTEREST RATE: REPAY OF ESCROW ADVANCE 168 06-10 07-06-10 58.050.00 0.00 0 00 PAYMENT 172 06-10 0706-10 228.92 1,270.92 119.31 1,619.15 170.87 275,169.16 LATE CHARGE ASSESSMENT 152 06-10 06-25-10 0.00 0.00 0.00 0.00 ARM LOAN ADJUSTMENT 493 06-10 05-24-10 NEW PRIN 0.05540 NEW INTEREST RATE: REPAY OF ESCROW ADVANCE 168 05-10 05-24-10 170.75 0.00 0.00 0.00 PAYMENT 172 05-10 05-24-10 170.75 1,271.46 118.77 1,560.98 58.05275,288.47 ARM LOAN ADJUSTMENT 493 05-10 04-15-10 NEW PRIN 0.05540 NEW INTEREST RATE: REPAY OF ESCROW ADVANCE 168 04-10 04-15-10 170.750.00 0.00 0 00 PAYMENT 172 04-10 04-15-10 170.75 1,272.01 118.22 0.00 228.80275,407.24 ARM LOAN ADJUSTMENT 493 04-10 04-15-10 NEW PRIN 0.05540 INTEREST RATE: NEW REPAY OF ESCROW ADVANCE 168 03-10 04-15-10 170.750.00 0.00 0.00 PAYMENT 172 03-10 04-15-10 170.75 1,277.13 113.10 3,205.37 399.55275,525.46
. . .
83.41-1 LATE CHARGE & INT PAYMENT: 58 05

.
1,390.23 07-02-10
NEW PRINCIPAL/ESCROW BALANCES 83.41-1 LATE CHARGE & INT PAYMENT: 170 .75 05-21-10 NEW PRINCIPAL/ESCROW BALANCES & INT PAYMENT: 170.75 NEW PRINCIPAL/ESCROW BALANCES & INT PAYMENT: 170.75 83.41 1 LATE CHARGE NEW PRINCIPAL/ESCROW BALANCES 1,390.23 1,390.23 1,390.23
Wachovia Mortgage is a division of Wells Fargo Bank. NA.
1-11740 RevO2 (10/07)
WACHOVIA
CUSTOMER ACCOUNT ACTIVITY STATEMENT REQ BY PTS PATRICIA MARTIN LOAN NUMBER: 0040638090 PROCESS DATE DUE DATE 11/30/11 ACTIVITY FOR PERIOD 01/01/ic TRANSACTION TRANSACTION DESCRIPTION CODE
-
TRANSACTION AMOUNT 03-10 0326-10 570.30 03-10 03-25-10 0.00 03-10 0325-10 654.95-
ESCROW PAID/ PRIN. PAID/ AMOUNT BALANCE INTEREST BALANCE

-
ESCROW ADVANCE 570.30 0.00 0.00 LATE CHARGE ASSESSMENT 152 83.41-1 LATE CHARGE 0.00 0.00 0.00 COUNTY TAX 312 654.950.00 0.00 NEW PRINCIPAL/ESCROW BALANCES 570.30ARM LOAN ADJUSTMENT 493 03-10 02-26-10 1,390.23 NEW PRIN & INT PAYMENT: 0.05560 RATE: NEW INTEREST OW ADVANCE REPAY OF ESCR 168 02-10 02-26-10 86 .10 86.10 0.00 0.00 0.00 PAYMENT 172 02-10 02-26-10 170. 75 1,295.94 94.29 O .00 NEW PRINCIPAL/ESCROW BALANCES 84 65 638.56 275, STMENT ARM LOAN ADJU 493 02-10 02-26-10 1,390.23 NEW PRIN & INT PAYMENT: 0.05640 NEW INTEREST RATE: NCE REPAY OF ESCROW ADVA 168 01-10 02-26-10 170.75 170.750.00 0.00 0.00 PAYMENT 172 01-10 02-26-10 170.75 1,307.82 82.41 3,121.96 NEW PRINCIPAL/ESCROW BALANCES 86.10275,732.85 T LATE CHARGE ASSESSMEN 152 01-10 02-25-10 83.41-1 LATE CHARGE 0.00 0.00 0.00 0.00 ESCROW ADVANCE 161 01-10 02-10-10 256.85 0.00 0.00 256.85 HAZ INS DSB 351 02-10 02-09-10 994.890.00 0.00 994.89NEW PRINCIPAL/ESCROW BALANCES 256.85T LATE CHARGE ASSESSMEN 152 01-10 01-25-10 83.41-1 LATE CHARGE 0.00 0.00 0.00 0.00 ARM LOAN ADJUSTMENT 493 01-10 01-04-10 1,390.23 NEW PRIN &.INT PAYMENT: 0.05690 NEW INTEREST RATE: 161
.
Wachovia Mortgage is a division of Wells Fargo Bank, NA.
L-11740 SevO2 (10/07)
_____
T CUSTOMER ACCOUNT ACTIVITY STATEMEN REQ BY PTS PATRICIA MARTIN LOAN NUMBER; 0040638090 PROCESS DATE DUE DATE 11/30/11 ACTIVITY FOR PERIOD 01/01/10 TRANSACTION TRANSACTION DESCRIPTION CODE
-
TRANSACTION AMOUNT
ESCROW PAID! PRIN. PAID/ AMOUNT BALANCE INTEREST BALANCE

-
PAYMENT 172 12-09 01-04-10 1,402.00 11.771,560.98 815.26 275,
170.75 738.04
NEW PRINCIPAL/ESCROW BALANCES
Wachovia Mortgage is a division of Wells Fargo Bank, NA.
L-2 740 Rev02 (10!0/)
EXHIBIT H
0307-10
145? LETTERWRITER ACTIVITY FOR MONTH OF 0210
PAGE149, 194 lc FORN8X11 PRINTER=H1CU SECURITY1
DATE=02-05 USER=CPI KEY=C0650 VERS=078 TIT1E=Payiaent Request LOAN= 0040638090 LIMES-PER-PAGENO COMDITIONS=2
February 04, 2010
Patricia Martin P0 Box 869 Grover Beach, CA 93483 0869
Deer Patricia Martin Wachovia Mortgage has not received the payment due on January 15, 2010. Pleeae make the payment immediately, including any late charges due If this payment has already been made, for a total of $ 2,326.88. Please note that the following then please disregard this notice. payment options are available. o Call 8006420257 to make your payment by phone; o Pay online at wachovia.com; o Call 18883451335 to discuss payment arrangements (Monday through Friday 9:00 a.m. to 11:00 p.m. and Saturday, 9:00 a.m. to 6:00 p.m., Eastern Time); Wachovia Mortgage o Mail payments to: Cashiering Dept T74l6-023 PD Box 659569
Sen Antonio, TX 782659568

If you are having difficulty making payments, please_contact_us
immediately_to_dIscuss_new_as s is tence_programs_available_through Wachovia. You may also be eligible for home ownership counseling. To locate a HOD approved housing counseling agency in your area, please contact HOD
Please be advised we may report information about the at 800-5694297. If this is an 51CC, we may suspend advance account to credit bureaus. Section 6050J of the 1984 Tax privileges if payment is not received. Reform Act requires lenders to report foreclosures and abandonments to the Internal Revenue Service. Loan Counseling Department NOTICE: Please be advised that Wachovia Mortgage may be attempting to collect a debt. If you are currently in bankruptcy or your debt has been discharged in bankruptcy, Wachovia Mortgage is only exercising its rights against the property and is not attempting to hold you personally liable on the Note. 00650 078 CPI
EXHIBIT I
030710
145? LETTERWRITER ACTIVITY FOR MONTH OF 0210
PAGE149, 195 lc FOBN=8Xl4 PRINTERZ93F SECuRITY1
DATE=02-17 IJSER=CPI KEY=C0726 VERS=064 TITLE=30 Day Automated NOI-SCBA LOAN= 0040638090 LINESPBRPAGE=85 CONDITIONS=2
February 16, 2010
Loan Number: 0040638090 NOTICE OF INTENT TO FORECLOSE
Patricia Martin PG Box 869 Grover Beach, CA 93483 0869 Property Address: 342 N 4th Street, Grover Beach CA 93433 Daar Patricia Martin Our records indicate we have not raceived the last 2 mortgage payment(s). This loan is in default and due for the January 15, 2010 payment, and all subaequent payments that have come due and lets charges. The total amount due is $ 3,887.86, which includes $ 765.90 in late charges. Charges may also be assessed for any additional amounts we may incur including, but not limited to, attorney fees, property tax and insurance payments, property inspections and other assessments.
Payment must be received in the form of a cashiers check, money order

or certified check within 30 days of the date of this notice. Any funds received, that are less then the total amount due, will be considered a partial payment and applied towards the arrearages due on the delinquent loan. Application of a partial payment is not en acceptance in full satisfaction of the delinquent amount to: Wachovia Mortgage, Cashiering Dept, T7416023, P0 Box 659568, San Antonio, TX 782659568.
due and is not sufficient to cure the default. Please mail payment(s)
it may result in the acceleration of the sums secured by the Security Instrument, making the entire loan immadiataly due and payable. The lender may seek foreclosure, which may result in the forced sale of
If you are unable to cure this default, on or before March 18, 2010,
the property. You have the right to reinstate after the acceleration
and the right to bring a court action to assert the nonexistence of a default or any other defense available to the acceleration and
forced sale.
You may have contacted Wachovia Mortgage and made a promise to pay by a certain date, in order to bring the loan to a current status. If the promise to pay is fulfilled, please disregard this notification. If you era unable to make the full promised payment in good funds,
3
on or before 6:00 p.m. Eastern Time, on the promised date; or if
there is a violation of any other terms of the Security Instrument, this notice will be kept in full force end effect. You may be eligible for Home Ownership Counseling through the Housing end Community Development Act of 1987. Please cell the Community
Development Agency at 8005694287. sectiom 6050J of the 1984 Tax
Reform Act requires lenders to report foreclosures and abandonments to the Internal Revenue Service. Should you have any questions, please contact us et 800-2823451. A representative s available to asaist you Monday through Friday,
9:00 a.m. to 11:00 p.m., and Saturday, 9:00 a.m. to 6:00 p.m., Eastern Time. You may also visit our wabaita at wachovia.com. Loan Counseling Department
Enclosure Cs)
NOTICE: Please be advised that Wachovia Mortgage may be attempting to If you are currently in bankruptcy or your debt has collect a debt. been discharged in bankruptcy, Wachovia Mortgage is only exercising its rights against the property end is not attempting to hold you personally liable on the Note.
00726 064 021
EXHIBIT J
05-09-10
MSP LETTERPRITER ACTIVITY FOR MONTH OF 0410
PAGE153, 920 lc FORM=8X11 PRINTERH1CU SECURITY1
0040638090 LOAN DATEO406 USER=CPI KEY=C0650 VERS=078 TITLE=Payment Request LINES-PERPAGE=IqO CONDITIONS=2
April 05,
2010
Dear Patricia Martin Macboyle Mortgage has not received the payment due on March 15, 2010. Please make the payment isesediately, including any late charges due fur a total of $ 2,493.70. If this payment has already been made, Please note that the following then please disregard this notice. payment options are available. o Call 8006420257 to make your payment by phone; o Pay online at wechovia.con; o Call 18883451335 to discuss payment arrangements (Monday through Friday 9:00 e.m. to 11:00 p.m. and Saturday, 9:00 a.n. to 6:00 p.m., Eaatern Time); Wachovia Mortgage o Mail payments to: Caahiering Dept T74l6-023 PD Box 659568 San Antonio, TX 782659568 If you are having difficulty making payments, please_contact_us immediately_to discus a_new_aaaiatanca_programs_available through Wachovia. To locate a You may alan be eligible for home ownership counseling. HOD approved housing counseling agency in your area, please contact MUD information about the Please be advised we may report at 0005694287. account to credit bureaus. If this is an BLOC, we may suspend advance Section 6050J of the 1984 Tax privileges if payment is not received. Reform Act reguirea lenders to report foreclosures and abandonments to the Internal Revenue Service. Loan Counaeling Department NOTICE: Please be advised that Wechovia Mortgage may be attempting to collect a debt. If you are currently in bankruptcy or your debt has been discharged in bankruptcy, Wachovia Mortgage is only exercising its rights against the property and is not attempting to hold you pereonally liable en the Note. 00650 078 CPI
EXHIBIT K
ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT

ANALYSIS DATE:
04107/2010 PATRICIA MARTIN P0 BOX 869 GROVER BEACH CA 93483-0869 4425 LOAN NUMBER: 0040638090
PROPERTY ADDRESS:
342 N4TH STREET GROVER BEACH CA 93433
YOUR HOME LOAN PAYMENT MAY BE CHANGING - THIS STATEMENT WILL HELP YOU UNDERSTAND WHY This annual disclosure statement is required by Federal law and provides a detail summary of activity related to your escrow account. At your request we maintain an escrow account that is used to pay items such as your property taxes, insurance premiums, and/or mortgage insurance. If you have questions about this statement, please refer to the enclosed guide.
YOUR HOME LOAN PAYMENT
This section provides a breakdown of both your current and new payments, including the minimum payment, total escrow payment, and repayment of any shortage that may exist (or credit for an overage of less than $50). Please refer to Section 3 for an explanation of how your new escrow payment amount was calculated. If your loan is an adjustable rate mortgage, an additional payment may occur on the anniversary of your loan. Refer to your billing statement for additional payment options.
NEW MONTHLY HOME LOAN PAYMENT
Minimum Payment
CURRENT MONTHLY HOME LOAN PAYMENT $1,390.23 $159.77

$10 .98 $ 00 9.00
Escrow Payment
Shortage Payment or Overage Credit Credit Life and/or Disability Payment Other TOTAL MONTHLY PAYMENT NEW PAYMENT EFFECTIVE DATE
$1,390.23 $192.07
$36.85 9.00 9.00 $1,619.1S 06/15/10
91,560.98
ESCROWSHORTAGE
Your escrow account has a shortage. You have three options for repaying the shortage: You may use the escrow shortage remittance form attached below to make a full shortage payment of $442.14. This option will reduce your total home loan payment by $36.85 and will provide the lowest monthly payments. You may use the remittance form attached below to pay a portion of the shortage. This option will reduce your escrow shortage by the amount you pay. Any remaining shortage will be spread over 12 months. You may choose not to pay any portion of the shortage amount at this time, in which case no action is required. The shortage amount has been spread over 12 months and included in your new monthly home loan payment. Please disregard the remittance form attached below.
ANTICIPATED ESCROW ACCOUNT DISBURSEMENT AND NEW ESCROW PAYMENT AMOUNTS FOR THE NEXT 12 MONTHS
This section shows the property tax amounts and/or insurance premiums we anticipate we will collect for and pay on your behalf during the next 12 months. The dollar amount shown may reflect the last amount actually paid for each item or we may project the next amount due, as allowed by Federal law (See Section 5 for an explanation of escrow account projection). Insurance and tax payments are disbursed before their due date to allow for mailing and processing time at the tax office or insurance company.
ESCROW ITEM YEARLY DISBURSEMENT AMOUNT
$0.00 $1,309.90 $994.89 $2,304.79
NEW MONTHLY ESCROW PAYMENT AMOUNT

$0.00 $109.16 $82.91 $192.07
Mortgage Insurance Taxes Insurance

TOTAL PAYMENTS FROM ESCROW
Your new monthly escrow payment amount is calculated by dividing the yearly disbursement amount over 12 payments.
Name: PATRICIA MARTIN Loan Number 0040638090
Make your check payable to Wachovia Mortgage and write your loan number on the memo line of your check.
Escrow Shortage Payment Options:
Q Full shortage payment of $442.14 Reduces escrow payment by $36.85

and provides the lowest payment.
Wachovia Mortgage
P 0 Box 659406
D Other shortage payment: Reduces escrow shortage by the

amount you pay. Any remaining
$______
San Antonio, TX 78265-9406
spread over any
IMPORTANT INFORMATION
Should you have any questions or need additional information, please contact our Customer Service Center at 800-642-0257, extension 33676. A representative is available to assist you Monday through Friday, 9:00 a.m. to 9:00 p.m., and Saturday, 9:00 a.m. to 6:00 p.m., Eastern Time. This statement is for informational purposes only. Please be advised that Wachovia Mortgage may be attempting to collects debt. If you are currently in bankruptcy or your debt has been discharged in bankruptcy, Wschovia Mortgage is exercising its right against the property and is not attempting to hold you personally liable on the Note.
5 YOUR ESCROW ACCOUNT PROJECTION FOR THE NEXT 12 MONTHS

This section lists a 12 month running escrow balance to determine the appropriate target bslsnce and to determine ifs shortage or overage exists. All anticipated payments into escrow and disbursements from escrow are included along with the projected escrow account balance, derived by carrying forward your current actual escrow balance. Please refer to Section 3 for an explanation of how your new escrow payment amount was calculated.
PAYMENTS INTO ESCROW DI5EUR5EMENT5 FROM ESCROW ESCROW ACCOUNT eALANCe
MONTH!
PROJECTED
MORTGAGE
PROPERTY
FLOOD
HAZARD
YEAR
INS
IAMS
INS
9Th5R
PROJECTED
REOUIRED
INS
INS
6384 Ea 5805 atmarnid 07)10 $192.07 $326.09 $768.23

11/10 $192.e7 $634.93 $439.42 $881.36
..
.-
Wachovia Mortgage does not collect or require a cushion in your escrow account. We require that your escrow balance be $.00 at the end of March 2011. We project your escrow account balance will be $442.14- at that time. This means you have a shortage of $442.14-. We have divided the shortage over 12 months. Please keep this statement for comparison with the actual activity in your account at the end of the next escrow accounting computation year.
6 YOUR ESCROW ACCOUNT HISTORY FOR THE PAST 12 MONTHS

The following is a statement of actual activity in your escrow account from 06/09 through 05/10. The information below provides a
summary of what we projected would occur compared to what actually occurred in your escrow account. PAYMENTS INTO ESCROW MPNTN! YEAR PROJECTED ACTUAL
DISBURSEMENTS FROM ESCROW ACTUAL DESCRIPTION
ESCROW ACCOUNT EALANCE PROJECTED $319.31 ACTUAL $187.72
PROJECTED
S*jjaj 7 $O. 97
(*) shows a difference between what actually occurred and what was anticipated. A difference can be due to an increase or - An asterisk decrease in the amount of an escrow bill or due to the disbursement of funds on a date other than originally anticipated.
*
E- The letter E beside an amount indicates the payment or disbursement has not yet occurred but is estimated to occur as shown.
During this period, an additional $10.02 was deposited into your escrow account for interest on escrow.
EXHIBIT L
Wachovia Adjustable Rate Mortgage HOMEOWNER ANNIVERSARY PAYMENT NOTICE
Patricia Martin P0 Box 869 Grover Beach, CA 93483-0869
July 01, 2010 Re: Your Wachovia Loan# 0040638090 Property Address: 342 N 4TH STREET GROVER BEACH CA 93433-1533
to Happy Anniversary! Thank You again for choosing a Wachovia Adjustable Rate Mortgage finance your home in August 2005. As you know, your loan has a minimum monthly payment (referred to as the Minimum Amount Due on your loan billing statement, excluding which additional payments you may be making to tax and insurance escrow accounts) changes only once a year on your Anniversary date. Through this letter, we are September notifying you that your new minimum monthly payment will be $1,494.49 as of 15, 2010 and remain at that level for twelve months. In this letter we also remind you We that your interest rate, unlike your minimum monthly payment, may change monthly. the provide you with the monthly interest rate changes that affected your loan over last year in the table below. Your minimum monthly payment will change for the next year. We We calculated your new minimum monthly payment as required by your loan agreement. used the current interest rate, the projected loan balance on your upcoming Anniversary date and the remaining years left on your loan: New minimum monthly payment (w/o escrow payments): Projected Loan Balance (as of 09/1 5/20 lO*):_ Your COSI Index (as of 07/01/20 10): Current Inte rest Rate: Previous minimum payment amount (w/o escrow payments): Index at Prior Adjustment: Interest Rate at Prior Adjustment: $1,494.49 $274,924.28 2240% 5.530% SI ,390.23 3,510% 6.800% table.)
(The back of this letter contains definitions of the terms used in this
change in After calculating the new minimum monthly payment, we checked to see if the your payment amount triggered your loans Payment Change Limit. Your Payment Change Limit (Payment Cap) will limit the increase in your payment. limiting Youll be happy to know that your 7.50% annual payment cap protected you by amortized your new minimum monthly payment to $1,494.49. Without the cap, the fully monthly payment would have been $1,693.20. Your payment changes annually, but your interest can change monthly. monthly Unlike your minimum monthly payment, your loans interest rate may have varied we used to as your loans index changed. Here are the interest rates and indexes that determine your interest rate since your last payment change. Payment Effective Date** 07/15/10 06/15/10 05/15/10 04/15/10 03/15/10 02/15/10
*
Monthly Index 2.240 2.250 2.250 2.250 2.270 2.350
Payment Effective Date** 01/15/10 12/15/09 11/15/09 10/15/09 09/15/09 08/15/09
Monthly Index 2.400 2.810 2.940 3.120 3.220 3.430
and then. This will be your balance if you make all minimum payments between now
actually ** Payment Effective Dale means the date that a change in your index index changed. affected your interest rate, which can be up to one month after the questions about Please see over for definitions and other information. If you have VIP Customer Group anything in this letter, refer to the enclosed brochure or call our 5. at 800-909-182 ARWSL 001 WSL
EXHIBIT M
08-0810
NSP LETTERWRITER ACTIVITY FOR MONTH OF 07-10
PAGE151,807 lc FORO4=8X11 PRINTER=H1CIJ SRCURITY1
LOAN 0040638090 DATEO7-06 VSER=CPI IcEY=C0650 VERS=078 TITLE=Payment Request LINESPERPAGE=NO CONDITIONS=2
July 05,
2010
Dear Patricia Martin Wachovia Mortgage has not received the payment due on June 15, 2010. Please meke the payment immediately, including any late charges due for a total of $ 2,551.87. If this payment has already been made, Please note that the following then please disregard this notice, payment options are available. o Call 8006420257 to make your payment by phone; o Pay online at wachovia,com o Call 1888345-1335 to discuss payment arrangements (Monday through Friday 9:00 a.m. to 11:00 p.m. and Saturday, 9:00 a.m. to 6:00 p.m., Eastern Time); Wachovia Mortgage o Mail payments to: Cashiering Dept T7416023 P0 Box 659568 San Antonio, TX 782659568 If you are having difficulty making payments, please_contact_us immediately_to_discuss_new_as sistance_programs,,,available_through Wachovia. To locate a You mey also be eligible for home ownership counseling. HOD approved housing Counseling agency in your area, please contact ROD Please be advised we may report information about the at 800-569-4287. If this is an ELOC, we nay suspend advance account to credit bureaus. Section 6050J of the 1984 Tax privileges if payment is not received. Reform Act requires lenders to report foreclosures and abandonments to the Internal Revenue Service. Loan Counseling Department NOTICE: Please be advised that Wachovia Mortgage may be attempting to collect a debt. If you are currently in bankruptcy or your debt has been discharged in bankruptcy, Wachovia Mortgage is only exercising its rights against the property and is not attempting to hold you personally liable on the Note. C0650 078 CPI
EXUIBIT N
09-05-10
LOAS
iSp LETTERWRITER ACTIViTY 0R MONTN OF 0810 KEY=C0650 VERS=076 TITLE=Payment Request
?AG5155, 382
DATS08-05 USER=CP 0040638090 LINESPERPAGS=NO CONDITIONS=2
J.c FORM=8X11 PRINTERH1CU SECURITY1
August 04,
2010
Patricia Martin PD Box 869 Grover Beach, CA 93483 0869
Dear Patricia Martin Wachovia Mortgage has not received the payment due on July 15, 2010. Please make the payment immediately, including any late charges due If this payment has already been made, for a total of $ 2,635.28. Please note that the following then please disregard this notice. payment options are available. o Call 800642-0257 to make your payment by phone; o Pay online at wachovia.com; o Call 1886345-1335 to discuss payment arrangements (Monday through Friday 9:00 a.m. to 11:00 p.m. and Saturday, 9:00 a.m. to 6:00 p.m., Eastern Time) o Mail payments to: Wachovia Mortgage Cashiaring Dept T7416023 P0 Box 659568 San Antonio, TX 782659568 I you are having difficulty making payments, please_contact_us immediately_to_discus a_new_assistance_programs_available through Wachovia. To locate a You may also be eligible for home ownership counseling. MUD approved housing counseling agency in your area, please contact MUD Please be advised we may report information about the at 800-5694287. If this is an ELOC, we may suspend advance account to credit bureaus. Section 6050J of the 1984 Tax privileges if payment is not received. Reform Act requires lenders to report foreclosures and abandonments to the Internal Revenue Service. Loan Counseling Department NOTICS: Please be advised that Wachovia Mortgage may be attempting to collect a debt. If you are currently in bankruptcy or your debt has been discharged in bankruptcy, Wachovia Mortgage is only exercising its rights against the property and is not attempting to hold you personally liable on the Note. C0650 078 CPI
EXHIBIT 0
100310
NSF LETTERWRITER ACTIVITY FOR MONTH OF 09-10
PASE153, 078 lc F0RN8Xl1 PRINTERN100 SECORITY1
DATE=0905 USER=CPI KEY=C0650 VERS=078 TITtEPayment Request LOAN= 0040638090 LINESPER-PAGENO CONOITIONS=2
September 04, 2010
Dear Patricia Martin Wachovia Mortgage has not received the payment due on August 15, 2010. Please make the payment immediately, including any late chsrges due If this payment hal already been made, for a total of $ 2,718.69. Please note that the following then piease disregard this notice. payment options are available. o Call 800-6420257 to make your payment by phone; o Pay online at wachovia.com; o Call 1888345-1335 to discuss payment arrangements (Monday through Friday 9:00 a.m. to 11:00 p.m. end Saturday, 9:00 a.m. to 6:00 p.m., Eastern Time); o Mail payments to: Wachovia Mortgage Cashiering Dept T7416023 P0 Box 659568 San Antonio, TX 782659568 If you are having difficulty making payments, please_contact_us immediateiy_to_dis cuss_netassistance_programs_availeb1e_through Wachovia. You may also be eligible for home ownership counseling. To locate a HOD approved housing counseling agency in your area, please contact HOD Please be advised we may report information about the at 800-569-4287. If this is an BLOC, we may suspend advance ecoount to credit bureaus. Section 605DJ of the 1984 Tax privileges if payment is not received. Reform ACt requires lenders to report foreclosures and abandonments to the Internal Revenue Service. Loan Counseling Department BOTICE: Please be advised that Wachovia Mortgage may be attempting to collect a debt. If you are currently in bankruptcy or your debt has been discharged in bankruptcy, Wachovia Mortgage is only exercising its rights against the property and is not ettempting to hold you personally liable on the Note. C0650 078 CPZ
EXHIBIT P
10-0310
PAGE153, 079 10 FORM=0X14 PRINTERE94O SECURITY1
DATE=09l7 USER=CPI KEY=CO726 VERS065 TITLE=30 Day Automated NOI-SCRA LOAN= 0040638090 LINES-PERPAGE=85 COI4DITIONS=2
September 16, 2010
NOTICE OF INTENT TO FORECLOSE
Property Address: 342 N 4th Street, Grover Beach CA 93433 Dear Patricia Martin Our records indicate we have not received the last 2 mortgage payment(s) . This loan is in default and due for the August 15, 2010 payment, and all subsequent payments that have cone due and late charges. The total amount due is $ 4,442.10, which includes $ 1,099.54 in late charges. Charges may also be assassed for any additionel amounts we may incur including, but not limited to, attorney fees, property tax and insurance payments, property inspections end other assessments. Payment must be received in the form of e cashiers check, money order or certified check within 30 days of the date of this notice. Any funds received, that are less than the total amount due, will be considered a partial payment and applied towards the srreareges due on the delinquent loan. Application of a partial payment is not an acceptance in full satisfaction of the delinquent amount due end is not sufficient to cure the default. Please mail payment(s) to: Wachovie Mortgage, Csshisring Dept, T7416023, P0 Box 659568, San Antonio, TX 782559568. If you are unable to cure this default, on or before October 16, 2010, it may result in the acceleration of the sums secured by the Security Instrument, making the entire loan iisnediately due and payable. The lender may seek foreclosure, which may result in the forced sale of the property. You have the right to reinstate after the acceleration and the right to bring a court action to assert the non-existence of a default or any other defense available to the acceleration and forced sale. You may have contacted Weohovis Mortgage end made a promise to pay by e certain date, in order to bring the loan to a ourrent status. If the promise to pay is fulfilled, please disregard this notification. If you are unable to make the full promised payment in good funds, on or before 6:00 p.m. Eastern Time, on the promised date; or if there is a violation of any other terms of the Security Instrument, this notice will be kept in full force and effect. You may be eligible for Home Ownership Counseling through the Housing and Community Development Act of 1987. Please cell the Community Development Agency at 8005694287. Section 6050J of the 1984 Tex Reform Act requires lenders to report foreclosures and abandonments to the Internal Revenue Service. Should you have any questions, please contact us at 8002823451. A repressntstive is available to assist you Monday through Friday, 9:00 a.m. to 11:00 p.m., and Saturday, 9:00 a.m. to 6:00 p.m., Eastern Time. You may also visit our website at wachovia.oom. Loan Counseling Department Enclosure (s) NOTICE: Please he advised that Naohovis Mortgage may be attempting to If you are currently in bankruptcy or your debt has collect a debt. bean discharged in bsnkruptoy, Nachovia Mortgage is only exercising its rights against the property and is not attempting to hold you psrsonslly liable on the Note. 00726 065 CPI
EXHIBIT
1003-10
MSP LBTTERWRITER ACTIVITY FOR MONTH OF 0910
PAGE1S3,080 lc FORM=8X11 PRINTER=z945 SECURITY=1
DATE=09-29 USER=RBI KEY=SS601 VERS=040 TITLB=Short Pmt-10 Day LOAN= 0040638090 LINESPERPAGE=NO CQNDITIONS5
september 29, 2010
Loan Number:
0040638090
Property Address:
342 N 4th Street Grover Beech CA 93433
Deer Patricia Martin After a review of your mortgage loan, our records indicate Additionally, payment is currently due for September 15, 2010. we identified funds totaling $ 1,619.15 which have not been applied to the account because they are not enough to cover the Provided below is a detailed break Total Balance showing Due. down of the funds required to bring the loan current: Total Amount Raquirad: Payment(s) : 1 Late Charges: Other Fees:
$ $ $
1,723.41 1,189.21 .00 (1,619.15) 1,293.47
Less Amount Received: $ Total Balance Due: $
You may send a check or money order to the following address: Wachovia Mortgage Ceshiering Dept T74l6023 P0 Box 659568 Sen Antonio, Texas 782659568. As an important reminder, late charges will be assessed if the Total Balance Due is not received by the and of the grace period. It is essential to note that if the Total Balance Due is not receivad by October 14, 2010, available funds will be applied toward any outstanding late charges and/or fees.
SS60l 040 RBI
10-03-10
PAGS153, 091
DATE=0929 tYSER=RBI KEY=SS6O1 VERS=040 TITLE=Short PmtlO Day LOAN= 0040638090 LINESPERPAGENO CON0ITIONS=5
lc F09N8X11 PRINTERZ94S SECURITY1
Patricia Martin 0040638090 September 29, 2010 Page 2
Thank you for allowing us the opportunity to serve your mortgage Should you have any questions or need additional assistance, needs. A representative please do not hesitate to call us at 8006420257. will be available to assist you Monday through Friday, 9:00 a.m. to To 9:00 p.m., and Saturday, 9:00 a.n. to 6:00 p.m., Sastern Time.
batter accomodate your schedule, you may obtain up-todate information at wachovia.com. Cashiering Dapartuent SS601 040 851
NOTICE: Please be advised that Wachovia Mortgage may be attempting to If you are currently in bankruptcy or your debt has collect a debt. been discharged in bankruptcy, Wachovia Mortgage is only exercising its rights against the property and is not attempting to hold you personally liable on the Note.
EXHIBIT R
11-0710
MSP LETTERWRITER ACTIVITY FOR MONTH OF 1010
PAGE146, 647 lc FCRN8X11 PRINTERH1CU SECURITY1
DATE=lO-06 USER=CPI KEY=C0650 VERS078 TITLH=Payment Request LOAN= 0040638090 LINES-PERPAGE=NO CONDITIONS=2
October 05,
2010
Loan Number;
0040638090
Dear Patricia Martin Wachovia Mortgage has not received the payment due on September 15, 2010. Pleass make the payment immediataly, including any late charges due If this payment haa already been made, for a total of $ 1,293.47. Please note that the following than please disregard this notice. payment options are available. o call 8006420257 to make your payment by phone; o Pay online at wachovia.cosi; o call 1888345-1335 to discuss payment arrangements (Monday through Friday 9:00 a.m. to 11:00 p.m. and Saturday, 9:00 a.m. to 6:00 p.m., Eastern Time); Wachovia Mortgage o Mail payments to: Cashiering Dapt T7416-023 P0 Box 659568 San Antonio, TX 78265-9568 If you are having difficulty making payments, please_contact_us immediately_to_discuss_new_as sistanceyrograms_availabla_through Wachovia. To locate a You may also be eligible for home ownership counseling. BUD approved housing counseling agency in your area, plaaae contact MUD Pleasa be advised we may report information about the at 8005694287. If this is an ELOC, we may suspend advance account to cradit bureaus. Section 6050J of tha 1984 Tax privileges if payment is not roceivad. Reform Act requires lenders to report foreclosures and abandonments to the Internal Revenue Service. Loan counseling Department NOTICE: Please be advised that Wachovia Mortgage may be attempting to collect a debt. If you are currently in bankruptcy or your debt has been discharged in bankruptcy, Wachovia Mortgage is only exercising its rights against tha property and is not attempting to hold you. personally liable on the Note. 00650 078 cPr
EXHIBIT S
110710
MSP LETTBRWRITER ACTIVITY FOR MONTH OF 1010
PAGE146, 648
DATE=10-19 USER=CPI OCEY=C0726 VERS=065 TITLE=3O Day Automated NOXSCRA LOAN= 0040638090 LINES-PER-PAGE=85 CONDITION0=2
lc FORN=8X14 PRINTER=2940 SECURITYI
October 18, 2010
Loan Number: 0040638090 NOTICE 03 INTENT TO FORECLOSE
Property Address:
342 N 4th Street, Grover Beech CA 93433
Dear Patricia Martin Our records indicate we have not received the last 2 mortgage payment(s) . This loan is in default and due for the September 15, 2010 payment, and all subsequent payments that have come due and late charges. The total emount due is $ 3,016.88, which includes $ 1,109.21 in late charges. Charges may also be assessed for eny additional amounts we may incur including, but not limited to, attorney fees, property tax and insurance payments, property inspections and other assessments, Payment must be received in the form of a cashiers check, money order or certified check within 30 days of the date of this notice. Any funds received, that are less than the total amount due, will be considered a partial payment and applied towards the arrearages due on the delinquent loan. Application of a partial payment is not an acceptance in full satisfaction of the delinquent amount due and is not sufficient to cura the default. Please mail payment(s) to: Wachovia Mnrtgege, Cashiering Dept, T7416023, PG Box 659568, San Antonio, TX 782659568. If you are unable to cure this dafault, on or before November 17, 2010, it may result in the acceleration of the sums secured by the Security Instrument, making the entire loan immediately due and payable. The lander may seek foreclosure, which may result in the forced sale of the property. You hava the right to reinstate after the acceleration and the right to bring a court action to assert the nonexistence of a default or any other defense available to the acceleration and forced sale. You may have contacted Wachovis Mortgage and made a promise to pay by a certain date, in order to bring the loan to a current status. If the promise to pay is fulfilled, please disregard this notification. If you are unable to nake the full promised payment in good funds, on or before 6:00 p.m. Eastern Time, on the promised date; or if there is a violation of any other terms of the Security Instrument, this notice will be kept in full force and effect. You may be eligible for Home Ownership Counseling through the Housing and Community Development Act of 1987. Please call the Community Development Agency at 800-5694287. Section 6050J of the 1984 Tax Reform Act requires lenders to report foreclosures end abandonments to the Internal Revenue Service. Should you have any questions, please contact us at 800-2023451. A representative is available to assist you Monday through Friday, 9:00 a.m. to 11:00 p.m., and Saturday, 9:00 a.m. to 6:00 p.m., Eastern Time. You may also visit our website at wachovia.com. Loan Counseling Department Enclosure (s) NOTICE: Please be advised that Wachovia Mortgage may ba attempting to If you are currently in bankruptcy or your debt has collect a debt. been discharged in bankruptcy, Wachovia Mortgage is only exercising its rights against the property and is not attempting to hold you personally liable on the Note. C0726 065 CPI
EXhIBIT T
11-0710
MSP LBTTERWRITER ACTIVITY FOR MONTH OF 10-10
PAGE146, 649 lc FORM8X14 PRINTERE941 SECURITY1
DATE=10-31 USER=CPI KEY=C0753 VERS=057 TITLE=Aasistance Letter LOAM= 0040638090 LINESPERPAGE=85 CONDITIONS=2
October 30, 2010
Patricia Martio P0 Box 869 Grover Beach, CA 93483 0869
Property Addresa:
342 N 4th Street, Grover Beach CA 93433
Dear Patricia Martin Wachovia ia very concerned about the paat due paynent(a) on the loan The total payment(s) due to Wachovia as of today is referenced above. $ 3,106.55. If you are unable to make the payment(s) due to financial problema, please call us immediately at 18883451334 to discuss programs that may help you get back on track such as: o PAYMENT PLAN: We may be able to delay a foreclosure or other legal action if you can commit to repay the delinguancy amount over an extended period. o MODIFICATION PLAN: You may gualify for a modification of the terms on the loan. o MORTGAGE ASSUMPTION: Allows a qualified individual to aasume the loan obligation. o OTHER PROGRAMS: we are continually developing new programs to help our customers avoid foreclosura, so please call us to discuss new Wachovia programs that are available. Walking away from the FORECLOSURE HAS VERY SERIOUS CREDIT IMPLICATIONS. property may aaem like a batter choice than making the delinquent payment(s), but foreclosure can carry many long term consequences. Please be advised that Wachovia Mortgage does report late payments and You nay also be eligible for home foreclosures to major credit bureaus. To contact a BUD approved housing counseling ownership counseling. agency in your area, please cell 8005694287. We are available Please contact us immediately at 18883451334. Monday through Friday, 9:00 a.m. to 11:00 p.m., end Saturday, 9:00 a.m. to 6:00 p.m., Eastern Time. Loan Counseling Department NOTICE; Please be advised that Wachovia Mortgage may be attempting to collect a debt. If you are currently in bankruptcy or your debt has bean discharged in bankruptcy, waohovia Mortgage is only exercising its rights against the property and is not attempting to hold you personally liable on the Note. C0753 057 CPI
EXHIBIT U
12-05-10
MSP LETTERWRITER ACTIVITY FOR MONTR OF 11-10
PAGE142, 836 in 8ORMSXll PRNTER=Z932 SECORITY=1
DATE=1118 USER=V52 KEY=FP002 VERS=042 TITLE=PreFC Reinstatement Quote LOAN= 0040638090 LINESPER--PAGE=NO CONDITIONS=2
November 18,
2010
PRE-FORECLOSI1RE REINSTATEMENT QUOTE
Property Address: 342 N 4th Street, Grover Seach CA 93433
Dear Patrica Martin Your loan has been approved for commencement of foreclosure action which may cause you to lose your property and any owners equity. There is still time to resolve the delinquency on the above referenced loan; options include: 1. Pay the delinquent amount in full of $ 4,829.96 by November 30, 2010. This amount plus any subsequent amounts that come due must be received at the San Antonio offica no later than 6:00 p.m., Only certified funds (cashiers check, certified Eastern Time. check or money order) will be accepted to reinstate this loan. If lesser All personal and/or business checks will be returned. funds are received, they may be accepted, but will be accepted only as a partial payment and will not be sufficient to cure the default. You may pay $ 4,829.96 by certified funds by mail or wire to: Neil Wachovia Mortgage Attn: Cashiering Dept T7416023 P0 Box 659568 San Antonio, TX 782659568 2. Wire Wachovia Mortgage ABA/RT: 121000248 AccoUnt NO.: 6707006604 Reference Loan Number
Contact us immediately at 8883451337 to discuss assistance options, including payoff options if you have your property listed for sale and cannot sell it for enough to pay Wachovia Mortgages loan in full.
FPOO2 042 vB2
12-0510
MSP LETTZRWRITER ACTIVITY FOR MONTN OF 1110
PAGE142,837
atement Quote OATE=1118 tJSERvB2 KEY=F9002 VERSO42 TITJjPreFC Reinst LOAN= 0040638090 I,INES-PER--PAGENO CONDITIONS2
IC FORM=8X11 PRINIER=Z932 SECIJRITY1
Patricia Martin 0040638090

November 18, 2010 Page 2
267. ro contact a 1-WO-certified housing counseling agency cell 8005694 may If you do not take action by November 30, 2010, Fachovia Mortgage iate attention refer your loan for a foreclosure action. Your immed may be to this matter is critical to avoid any fees and costs that e incurred as a result of a foreclosure action, which may includ Note and attorney fees and/or trustee fees as provided by your Security Instrument. , You may contact us at 8883451337, Monday through Friday p.m., 9:00 a.m. to 11:00 p.m., and Saturday, 9:00 a.rn. to 6:00 e at Eastern Time, for assistance. You may also visit our websit wachovia. corn. toan Counseling Department ting to NOTICE: Please be advised that Wachovia Mortgage may be attemp debt has collect a debt. If you are currently in bankruptcy or your exercising been discharged in bankruptcy, Wachovia Mortgage is only its rights against the property and is not attempting to hold you personally liable on the Note. may Please be advised that payment in accordance with this notice s not be sufficient to cure all defaults. Unless all default are cured, foreclosure proceedings may continue. nts Please be advised that Wachovia Mortgage does report late payme and foreclosures to major credit bureaus. FPOO2 042 152
EXHIBIT V
4 PRINTERZ949 SECORITYI MA?-De1ioquent Borr-Deniel Ltr lc FORN8X1 DATE03-04 US8iRV54 I<EYXJs23l VHRS002 TITLE LOAN 0040638090 tINES PER-PAGENO CONDITIONS2 2011 Loan Ntmber: 0040638090
04-0311
MSP LETTERWRITER ACTIVITY FOR MONTH 08 03li
PAGE146,405
March 04,
Dear Patricia Martin an_Modification Fina1_decision_on_the_Mortgage_Assistancel information you have (infortunately, after carefully reviewing the age Assistance Plan provided, we are unable to offer you a Mortg Modification because: sufficient to The income provided has been determined to be make the contractual payment due on the loan. (K) Other: You have excessive financial obligations.
nce under the Mortgage Even though you are ineligible for assista may still be eligible for Assistance Plan Modification (MAP), the loan via Mortgage, such as a payment other loss mitigation options with Wacho ms, short sale, or deedin-lieu plan, other in-house modification progra tion To have the loan reviewed for other loss mitiga of foreclosure. at 18885651422. options, please contact Wachovia Mortgage n we have made on your If you have any questions about the decisio age representative today mortgage request, please call a Wachovia Mortg your We would also like to hear from you if any of at 18885651422. additional
e us with circumstances have changed, or if you can provid is available to assist information for consideration. A representative Saturday, y through Friday, 9:00 a.m. to 11:00 p.m., and you Monda to 6:00 p.m., Eastern Time. 9:00 a.m. Sincerely, Sharon Zuniga Senior Vice President Wachovia Mortgage
collect a debt and any Wachovia Mortgage nay be attempting to We may report e. information obtained may be used for that purpos Late payments, missed bureaus. information about your account to credit t may be reflected in your payments, or other defaults on your accoun debt has bean If you are currently in bankruptcy or your report. exercising its in bankruptcy, Wachovia Mortgage is only discharged to hold you against the property and is not attempting rights personally liable on the Note. LK231 002 V54
FOP)P8Xl4 PRINTER=Z949 SECORITY1 =MAPDelinquent BorrDenial ttr lc OATE=0304 LJSER=VB4 XEY=t1123l VERS=002 TITLE LOAN 0040638090 LINES-PER-PAGEt4O CDNOITIONS=2
04-03-11
OF 03-11 MOP ISETTERWRITER ACTIVITY FOR MONTH
PAGE146, 406
Patricia Martin 0040638090 March 04, 2011 Page 2
State of California, the with respect to those loans located in the and the federal Fair thal Fair Debt Collection Practices Act state Rosen under unusual tion Practices Act require that, except Debt Collec t you before 8 e.m. or after circumstances, collectors may not contac of violence or arrest They may not harass you by using threats 9 p.m. Collectors may not use false or or by using obscene language. work if they know, or have reason misleading statements or call you at For the most al calls at work. to know, that you may not receive person person, other than your attorney part, collectors may not tall another Collectors may contact another person to or spouse, about your debt. For more information about ent. confirm your location or enforce a judgm contact the Federal Trade Commission debt collection activities, you may 1-877-FTCHELP or www.ftc.gov. 111231 002 VB4
0403-11
MSP 0JETTERWRITER ACTIVITY FOR MONTH OF 03-11
PAGE146, 407 lc FQRN=8Xll PRINTERR1Cu SECORITY1
LOAN OATE=0304 USER=V54 KEY=FC745 VER5=005 TITLEMAV Declined Proceed PC 0040638090 LINES-PEEPAGE=NO CONDITIONS=2
March 04,
2011
Loan Nwrer:
0040638090
Patricia Martin P0 Box 869 Grover Beech, CA 93483 0869
Property Address: 342 N 4th Street, Grover Beach CA 93433 Dear Patricia Martin The above referenced loan has been reviewed for the Mortgage Assistance After careful consideration of your situation, we are unable to Plan. proceed with the modification request at this time. Please note that during our review of your situetion, we suspended the The foreclosure process against the property will forsclosure process. now resume. We want to ensure every possible opportunity to assist you during this If your ability to make payments should change in the difficult time. future, or if you are interested in learning more about short sale options, please contact us immediately. If you have any questions regarding the foreclosure process, please Our office hours are contact us at 8002823458, extension 33969. Monday through Friday, 9:00 a.m, to 6:00 p.m. Eastern Time. Foreclosure Department Please be advised that Wachovia Mortgage may be attempting to NOTICE; If you are currently in bankruptcy or your debt has collect a debt. been discharged in bankruptcy, Wachovia Mortgage is only exercising its rights against the property and is not attempting to hold you personally liable on the Note. FC745 005 V54
EXhIBIT W
040311
MB? IJETTBRWRITHR ACTIVITY FOR MONTH OF 03-11
PAGE146, 408 lc FORMOX11 PRINTERZ9S1 SECTJRITY=1
Cvr IJATE=03O8 USRR=MOC KEY=LH020 VBRS=001 TITLE=HANP Income /Trial Dcc LOAN 0040638090 LINES-PERPAGE=No CONOITIONS=2
March 08,
2011
Loan Number:
0040638090
Dear: Patricia Martin That ia why we are We are committed to helping you retain your home. currently evaluating your mortgage for eligibility in the Home Affordable Modification Program (HAN?), which would modify the terme If your of your loan and make your mortgage payments more affordable. loan has been previously referred to foreclosure, we will continue the However, no foreclosure process while we evaluate your loan for HAM?. foreclosure sale will be conducted and you will not lose your home during the HAN? evaluation. HANP_Eligibility You If you are eligible fol HAM?, you will enter into a trial period. will receive a Trial Period Plan which will contain a new trial payment amount (this will temporarily replace your current mortgage payment To accept the Trial Period Plan, during the HAN? Trial Period Plan) . If you must make your first trial payment hy the specified due date. your loan was previously referred to foreclosure, once you accept the Trial Period Plan we will halt the foreclosure process as long as you continua to make your required trial plan payments. If you do not qualify for HANP, or if you fail to comply with the terms Tn of the Trial Period Plan, you will be sent a NonApproval Notice. al most cases, you will have 30 days to review the reason for nonapprov If your loan has and contact us to discuss any concerns you may have. been previously referred to foreclosure, during this 30day review period we may continue with pending foreclosure ection, but no foreclosure sale will be conducted and you will not lose your home. ImportantOo_not_ignore_any_foreclosure_notices. The HAN? evaluation and the process of foreclosure may proceed at the You may receive foreclosure notices or you may see steps same time. While you will not lose being taken to proceed with a foreci,osure sale. your home during the HAM? evaluation, to protect your rights under applicable foreclosure law, you may need to respond to these foreclosure If you do not understand the legal notices or take other actions. consequences of the foreclosure, you are encouraged to contact a lawyer or housing counselor for assistance. LNO2O 001 MOC
04-03-li
MSP LETTERWRITER ACTIVITY FOR MONTH OF 03-11
PAGE146, 409 ic FORM8X11 PRINTERZ951 SECtJRITY=1
P Income /Trial Doc Cvr OATE=0308 ZJSER=MOC KEY=LHO2O VER5=D01 TITLE=EAM LOAN= 0040638990 N5=2 LINES-PER-PAGENO CONO.TTIO
Patricia Martin 0040638090 March 08, 2011 Page 2
Questions your trial period Call 18885651422 if you cannot afford to make A representative is payments, but want to remain in your hcme. a.m. to 11:00 p.m., , available to assist you Monday through Friday 9:00 Time. Or if you have and Saturday, 9:00 a.m. to 6:00 p.m., Eastern other options that may decided to leave your home, contact us; we have Additionally, if you have any bs able to help you avoid foreclosure. notices that you questions about the foreclosure (or other legal racaive), please cell us for assistance. 1888995HOPE (4673) e You can also cell the Homeowners HOPE Hotlin at HUDcertififed if you need further counseling. They offer free can help answer any counseling services in English end Spanish, and questions you have. Sincerely, Sharon Zuniga Senior vice President Wachovia Mortgage be attempting to collect Please be advised that wechovia Mortgage may If for that purpose. a debt and any information obtained may be used has been discharged in you are currently in bankruptcy or your debt its rights ageinst the bankruptcy, Wechovia Mortgage is exercising ally liable on the property and is not attempting to hold you person bureaus. we may report information about your account to credit Note, s on your account may Late payments, missed payments, or other default be reflected in your credit report. of California, the with respect to those loans located in the State and the federal Fair state Rosenthal Fair Debt Collection Practices Act circumstances, Collection Practices Act require that, except under Debt They may p.m. collectors may not contact you before 8 a.m. or after 9 or by using not harass you by using threats of violence or arrest Collectors may not use false or misleading statements obscene language. to know, that you may or call you at work if they know, or have reason For the most part, collectors may not receive personal calls at work. y or spouse, about your not tell another person, other than your attorne your location or Collactors may contact another parson to confirm debt. For more information about debt collection enforce a judgment. ission at activities, you may contact the Federal Trade Comm 1-877-FTC-HELP or www.ftc.gov. LHO2O 001 HOC
0605-li
LOAN 0040638090
MSP LETTERWRITMR ACTIVITY FOR MONTH OF 05-li
PAGE133,411
SEC0RITfl1 Incoispieted (Fall lc FORO48Xll PRIHTBRZS1D DATE=0519 USER=OER KEY=LH219 VER5=001 TITLEHANP Request LIMES-PER-PAGE=NO COHDITIONS=2 May 19, 2011 Loan Number: 0040638090
Patricia Martin TO Box 869 Grover Beach, CA 93483 0869
Ocar Patricia Martin the Unfortunately, we are unable to offer a modification under on the above federal governments Home Affordable Modification Program we referenced loan because you did not provide us with the documents and A notice that listed the specific documents we needed requested. than 30 days ago. the timefraste required to provide them wes sent nore under the Home Because you have withdrawn your request for assistance the required Affordable Modification Program (RAMP) by not returning amounts due on your documents, we will resume efforts to collect any loan. the Home Even though we are unable to provide assistance under eligible for Affordable Modification Program, the loan may still be such as a payment other losrmitigation options with Wachovia Mortgage sale, or deedinlieu plan, other inhouse modification programs, short To have the loan reviewed for other loss mitigation of foreclosure. 22. options, please contact Wechovia Mortgage at 1-888-565-14 or to seek To seek assistance from a MOOapproved housing counselor, contact the assistance in understanding this correspondence, please HOPE Hotline at 1-888-995-HOPE and ask for NHA HELP. Mortgage If you have any questions, please call a Wachovia A representative is available to representetive at 1888-5651422. p.m., and assist you Monday through Friday, 9:00 e.n. to 11:00 Saturday, 9:00 e.m. to 6:00 p.m., Eastern Time. Sincerely, Sharon Zuniga Senior Vice President Wachovia Mortgage LH219 001 DER
06-05-11
MSP LETTERWAITER ACTIVITY FOR MONTH OF 05li
PAGE133, 412 (Fall in FORM=8X11 PRINTRRZ51D SECURITY1
0ATE=0519 USER=0ER REY=LH219 VERS=001 TITLE=NAMP Request Incompleted LOAN= 0040638090 LINES-PERPAGENO CONDITIONS=2
Patricia Martin 0040638090 May 19, 2011 Page 2
Please be advised that Wachovia Mortgage may ba attempting to collect If a debt and any information obtained may be usad for that purpose. you are currently in bankruptcy or your debt has been discharged in against the bankruptcy, Wachovia Mortgage is exercising its rights property and is not attempting to hold you personally liable on the We nay report information about your account to credit bureaus. Note. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. With respect to loans secured by property located in the State of California, the state Rosenthal Fair Debt Collection Practices Act and the federal Pair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you
before 8 am. 01 after 9 p.m. They may not harass you by using threats Collectors may of violence or arrest or by using obscene language. not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other then Collectors may contact your attorney or spouse, about your debt. For another person to confirm your location or enforce a judgment. more information ebcut debt collection activities, you msy contact the Federal Trade commission at l877FTCNELP or www.ftc.gov. If you reside in the state of New York end if you believe the loss mitigetion request has been wrongly denied, you may file e complaint with the New York State Banking Department at 1877-BANE-NYS or www.banking.stete.ny.us.
LH219 001 DER
EXHIBIT X
06-0511
MOP LETTERWBITER ACTIVITY FOR MONTH OF 05-11
PAGE133, 413 lc FORM8X1I PRINTERZ9S1 SECURITY1
Doc Cvr OATE=0525 USER=SPH KEY=LHQ2O VERS=OOl TITLE=H214P Income JTrial LOAN= 0040638090 LINES-PERPAGENO CON)ITIONS=2 0040638090
May 25,
2011
Loan Number:
Dear:
Patricia Martin
That ia why we are We are committed to helping you retain your home. currently evaluating your mortgage for eligibility in the Home terms Affordable Modification Program (NA04P), which would modify the If your of your loan and make your mortgage payments more affordable. continue the loan has been previously referred to foreclosure, we will However, no foreclosure process while we evaluate your loan for HAMP. foreclosure sale will be Conducted and you will not lose your home during the EAMP evaluation. HAMP Eligibility
You If you are eligible for HAMP, you will enter into a trial period. will receive s Trial Period Plan which will contain a new trial payment amount (this will temporarily replace your current mortgage peyment To accept the Trial Period Plan, during the IIAMP Trial Period Plan) . If you must make ycur first trial payment by the specified due dete. the your loan was previously referred to foreclosure, once you accept Trial Period Plan we will halt the foreclosure process as long as you continue to make your required trial plan payments.
If you do not qualify for RAMP, or if you fail to comply with the terms In of the Trial Period Plen, you will be sent a Non-Approval Notice. most cases, you will have 30 days to review the reason for nonapproval If your loan has and contact us to discuss any concerns you may have. been previously referred to foreclosure, during this 30-day review period we may continue with pending foreclosure action, but no foreclosure sale will be conducted and you will not lose your home. Important-Do_not_ignore_any_foreclosura_noticas. The NAI4P evaluation and the process of foreclosure may proceed at the same tima. You may receive foreclosure notices or you may see steps While you will not lose being taken to proceed with a foreclosure sale. your homa during the HARP evaluation, to protect yuur rights under applicable foreclosure law, you may need to respond to these foreclosure If you do not understand the legal notices or take other actions. consequences of the foreclosure, you are encouraged to contact a lawyer or housing counselor for assistance. LHO2O 001 OPH
0605-11
MOP LETTERWRITER ACTIVITY FOR MONTH OF 05-11
PAGE133,414 ic FORM=8Xll PRINTERZ9S1 SECURITY1
/Trial 0c CVI DATE=0525 USER=SPH KEY=LHO2Q VERS=00l TITLE=FthMP Income LOAN= 0040638090 -PAGE=NO CONDITIONS=2 LIMES-PER
Patricia Martin 0040638090 May 25, 2011 Page 2
Queations trial period Call 18885651422 if you cannot afford to make your A representative is payments, but went to remain in your home. to 11:00 p.m., available to assiat you Monday through Friday, 9:00 a.is. Or if you have and Saturday, 9:00 axe, to 6:00 p.m., Eastern Time. options that may decided to leave your home, contact us; we have other Additionally, if you have any be able to help you avoid foreclosure. you questions about the foreclosure (or other legal notices that receive), please call us for assistance. HOPE (4673) You can also call the Homeowners HOPE Hotlina at 1888995 ifed if you need further counseling. They offer free HCDcertif answer any counseling services in English and Spanish, and can help questions you have. Sinceraly, Sharon Zuniga Senior vice President Wachovis Mortgage to collect Please be advised that Wachovis Mortgage may ha sttemDting If purpose. a debt and any information obtained may be used for that discharged in you are currently in bankruptcy or your debt has been the bankruptcy, Wachovia Mortgage is exercising its rights against liable on the property and is not attempting to hold you personally Ma nay report information about your account to credit bureaus. Note. your account may Late payments, missed payments, or other defaults on be reflected in your credit report. the With respect to those loans located in the State of California, federal Fair state Rosenthal Fair Deht Collection Practices Act and the circumstances, Debt Collection Practices Act require that, except under 9 p.m. They may collectors may not contact you before 8 e.m. or after or by using not harass you by using threats of violence or arrest Collectors may not use false or misleading statements obscene langusge. that you may or call you at work if they know, or have reason to know, For the most part, collectors may not receive personal calls at work. or spouse, about your not tell smother person, other than your attorney location or Collectors may contact another person to confirm your debt. For more information about debt collection enforce a judgment. at activities, you may contact the Federal Trade Conteission 1877FTC-HELP or www.ftc.gov. tHO20 001 SPH
070311
PAGE134, 693 10 FORN=8X14 PRINTERZ949 SECURITY1
0ATE=0607 USER=DIB KEY=1H205 VERS=008 TITI.E=HMP Negative NPV LOAN= 0040638090 LIMESPERPAGE=NO CONDITIONS=2 2012 Loan Number: 0040638090
June 07,
Patricia Martin P0 Box 869 Grover Reach, CA 93483 0869.
Deer Patricia Martin In reeponse to the request for mortgage payment assistance on the above referenced loan, were writing to provide you with our decision on the loan modifioetion under the federal governments Home Affordable Modification Program (RAMP). Unfortunately, we are unable to offer you a Home Affordable The Home Affordable Modification Program (RAMP) modification. requires a calculation of the net present value (WPV) of a modification The MPV using a formula developed by the Department of the Treasury. calculation requires input of certain financial information about your When combined with other data in the Treasury income and your loan. model, these inputs estimate and compare cash flow the investor (owner) of your loan is likely to receive if the loan is modified and the Based on the NPV investors cash flow if the loan is not modified. results, ths owner of your loan has not approved a modification. Even though you are ineligible for assistance under the Hone Affordable Modification Program (RAMP), you have 30 calendar days from the date of this notice to contact Wachovia Mortgage to discuss the raaaon for non-approval for a HANP modification or to discusa alternative loss mitigation options such as in-house modification programs, short sale, Your loan or deed-inlieu of foreclosure, that may be available to you. may be ref srred to foreclosure during this time and any pending However, no foreclosure sale will be foreclosurs action may continua. conducted and you will not lose your home during this 30-day period (or any longer period required for us to review supplemental material you To have the loan reviewed for may provide in response to this Notice). other loss mitigation options, please contact Wachovis Mortgags at 18885651422. Respond with any updates or changas Were providing you with the specific inputs that ware used in your REV As you can ass, some of the values are based on calculation. information that you provided to us as well as information we secured from you loan history file and thirdparty resources, such as credit bureaus. Please take these important steps: If you have reason to 1. Carefully review the enclosed input values. believe that any of the input values calculated on the date noted ara not accurate, such as significant difference in your gross monthly income, we need to hear from you. If you 2. verify the property value used in the NPV calculation. believe the property value used does not reflect the fair markat value of hour hone, you may provide us with an estimate of your Well property value and documentation to support your estimate. perform a praliminary NPV evaluation using tha property value you If the preliminary NPV test is positive, well order provide to us. a new appraisal for your property. 3. Call us right away to discuss any inaccuracies and the documantation You can contact a Wachovia Mortgage well need from you. The documentation you provide to representative at 1-888565-1422. dispute tha input valuas must be from the data the NPV was calculated, not currant information. After you call us, you will. nead to submit a written raquest to have your NPV recalculated, and attach your supporting documentation.
-
1,11205 000 DIR
0703-11
IjOAN 0040638090
PAGE134,694 lc FOPM8X14 PRINTERZ949 SECURITY1
OATE0607 USER=DIE KEY=Lfl205 VERS=008 TITIJE=HHP Negative NPV LINES-PER-PAGE=NO CONDITIONS=2
Patricia Martin 0040638090 June 07, 2011 Fage 2 4. Sand us your NPV recalculation request in writing, along with your supporting documentation, within 30 calendar days from the data of We will conduot a new NPV evaluation based on the mew this letter. Send your documents to: information you provide. HANP Non-Approval Mail: Mail Code T7419022 4101 Wiseman Blvd Sam Antonio, TX 78251 E-mail: NonApproval_HANP_InguirieaGwellsfargo .com While theres no guarantee that a new NPV evaluation will result in approval of ynur isodifioation, wed like to ensure your evaluation is Well write you with our final based on the most accurate information, decision on your loan modification based on the new NPV evaluation. If you would like to seek assistance from a mID-approved housing counselor, or seek assistance in understanding this correspondence, please contact the HOPE Hotline at 1888995HOPE and ask for MHA Help. Were here to help you If you have any questions about the decision weve made about your loan modification or any of the information in this latter, please call a A Wachovia Mortgage representative today at 16885651422. representative is available to assist you Monday through Friday, 9:00 a.m. to 11:00 p.m., and Saturday, 9:00 a.m. to 6:00 p.m., Eastern Time. Sincerely, Sharon Zuniga Senior Vice President Wachovia Mortgage LH205 008 DIN
0703li
MSP LETTERWRITER ACTIVITY FOR MONTH 0? 06-11
PAGS134, 695
49 SECURITY1 5X(MM) & CA Ros lc F0ffl48X14 PRINTERZ9 DATE=06-07 LJSER=DIB ICEY=LH206 VEPS=006 TITLE=NMP Disclosure LOAN 0040638090 LINSSPER-PAGE=N0 CONDITIONS=2
0040638090 June 07, 2011
collect Please be advised that Wachovia Mortgage may be attempting to If purpose. a debt and any information obtained may be used for that rged in you are currently in bankruptcy or your debt has been discha against the bankruptcy, Wachovia Mortgage is exercising its rights on the property and is not attempting to hold you personally liable s. Wa may report information about your account to credit bureau Note. account aiay Late payments, missed payments, or other defaults on your be reflected in your credit report. State of With respect to loans secured by property located in the es Act California, the state Rosenthal Fair Debt Collection Practic that, and the federal Fair Debt Collection Practices Act require t you except under unusual circumstances, collectors may not contac by using threats before 8 a.n. or after 9 p.m. They may not harass you tors may Collec of violence or arrest or by using obscene language. if they know not use false or misleading statements or call you at work al calls at work. or have reason to know that you may not receive person , othar than For the most pert, collectors may not tell another parson Collectors may contact your attorney or spouse, about your debt. For another person to confirm your location or enforce a judgment. contact the more information about debt collection ectivities, you may Federal Trade cosssission at 1877-nC-HELP or www.ftc.gov. 118206 006 bIB
07-03-11
LOAN
06-11 MSP LETTERWRETER ACTIVITY FOR MONTH OF
PAGE134,696 lc FOPI4=8X14 PRINTERZ949 SECURITY1
HNP Diaclo NM/FCRA/ECOA/NY DATEO607 USEADIS XEY=1N238 VERS002 TITLE 0040638090 CONOITIONS=0 LINES-PERPAGENO
0040638090 Patricia Martin June 07, 2011
may be attempting to collect Please be advised that Wachovia Mortgage If for that purpose. debt and any information obtained way be used a debt has been discharged in you are currently in bankruptcy or your ing its rights against the bankruptcy, Wachovia Mortgage is exercis personally liable on the property and is not attempting to hold you t to credit bureaus. We may report information about your accoun Note. defaults on your account may tate payments, missed payments, or other be reflected in your credit report.
located in the State of With respect to loans secured by property Collection Practices Act California, the state Rosenthal Fair Debt es Act require that, and the fedaral Fair Debt Collaction Practic ors may not contact yoo , except ondar unusual circumstances collect harass you by using threats before 8 a.st. or after 9 p.m. They may not Collectors may arrest or by using obscene language. of violence or at work if they know or misleading statements or call you not use false not receive personal calls at work. or have reason to know that you nay r person, other than the most part, collectors may not tell anothe For Collectors may contact your attorney or spouse, about your debt. For or enforce a judgment. another person to confirm your location ies, you may contact the more information about debt collection activit or www.fto.gov. Federal Trade Commission at l877FTCHEtP prohibits creditors from The Federal Equal Credit Opportunity Act nts on the basis of race, color, discriminating against credit applica status, age (provided the religion, national origin, sex, marital a binding contract); because applicant has the capacity to enter into nce applicants income derives from any public assista all or part of the d any right because the applicant has in good faith-exercise program; or The Federal agency that under the Consomar Credit Protection Act. r is: compliance with this law concerning the credito administers Comptroller of the Currency, Customer Assistance Group 301 MoKinney Street, Suite 3450 Houston, TX 770109050 if you believe the loss If you reside in the state of New York and , you nay file a complaint mitigation request has been wrongly denied ment at 1877-BANKNYS or with the New York State Banking Depart www.banking. state .ny.ua. 141238 002 DIm
07-0311
MSP LETTERWRITER ACTIVITY FOR MONTH OF 06li
PAGB134, 697
OATE=06-07 USER=DIB KEY=LH231 VBRS=002 TITLE=MAP-Delinquent Barr-Denial ltr lo FORM8X14 PRINTERZ949 SECURITY1 LCAN= 0040638090 LINESPERPAGENO CONDITION52 Loan Number: 0040638090
June 07,
2011
Dear Patricia Martin Final_decisionj,n_the_Mortgage_Assistance_Plan_Modificetion Unfortunately, after carefully reviewing the information you have provided, we are unable to offer you a Mortgage Assistance Plan Modification because: The incoma provided has been determined to be sufficient to make the contractual payment due on the loan. (H) Other: Negativa 8WV
Evan though you are ineligible for assistance under the Mortgage Aaaiatance Plan Modification (MAP), the loan may still be eligible for other loss mitigation options with Wachovia Mortgage, such as a payment plan, other inhouse modificaticn programs, short sale, or deedinlieu To have the loan reviewed for other baa mitigation of foreclosure. options, please contact Wechova Mortgage at 1888-5651422. If you have any questions about the decision we have made on your mortgage request, please call a Wachovia Mortgage representative today We would also like to hear from you if any of your at 1-8885651422. circumstances have changed, or if you can provide us with additional A representative is available to assist information for consideration. you Monday through Friday, 9:00 a.m. to 11:00 p.m., and Saturday, 9:00 a.m. to 6:00 p.m., Eastern Time. Sincerely,
Sharon Zuniga Senior Vice Prasidant Wachovia Mortgage Wachovia Mortgage nay ha attempting to collect a debt and any We may report information obtained may be used for that purpose. Late payments, missed information about your account to credit bureaus. payments, or other defaults on your account may be reflected in your If you are currently in bankruptcy or your debt has been report. discharged in bankruptcy, Wachovia Mortgage is only exercising its rights against the property and is not attempting to hold you personally liable on the Mote.
L0231 002 DIB
07-0311
PA05134,698
LOAM 0040638090 DATE=0607 USERDIE KEY=1H231 VERS=002 TITLE=MAPDelinquent Sort-Denial Ltr ic FORN8X14 PRINTER=Z949 SECURITYl LINESPSRPAGE=NO CONOITIONS2
Patricia Martin 0040638090 June 07, 2011 Page 2
With respect to those loans located in the State of California, the state Rosenthal Fair Debt Collection Practices Act and the federal Feir Oebt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before S e.n. or after They may not harass you by using threats of violence or arrest 9 p.m. or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know, or have reeson For the most to know, that you nay not receive personal calls at work. part, collectors may not tell another person, other than your attorney Collectors may contact another person to or spouse, about your debt. For more information about confirm your location or enforce a judgment. debt collection activities, you may contact the Federal Trade Commission 1877FTC-HSI.P or www.ftc.gov.
LH23l 002 DIE
EXHIBIT Y
08-07-11
MOP LETTERWRTTER ACTIVITY FOR MONTH OF 07-11
PA9E134, 660 Ic FOBM=8Xl1 PRINTERZ95I SECIJRITY=l
DATE=0715 USER=LNV KEY=1H020 VERS=001 TITLE=HANP Income fTrial Doc Cvr LOAN= 0040638090 LITqES-PERPAGENO O0NDITIONS=2 2011 Loan Number: 0040638090
July 15,
Patricia Martin P0 Box 869 Grovar Beach, OA 93483 0869
Dear: Patricia Martin That is why we, are we are committed to helping you retain your home. currently evaluating your mortgage for eligibility in the Home Affordable Modification Progran (RAMP), which would modify the terms If your of your loan end make your mortgage payments more affordable. loan has been previously referred to foreclosure, we will continua the However, no foreclosure process while we evaluate your loan for RAMP. foreclosure sale will be conducted and you will not lose your home during the RAMP evaluation. RAMP_Eligibility You If you are eligible for RAMP, you will enter into a trial period. will receive a Trial Period Plan which will contain a new trial payment amount (this will temporarily replace your current mortgage payment during the RAMP Trial Period Plan). To accept the Tial Period Plan, If you must make your first trial payment by the specified due date. your loan was previously referred to foreclosure, once you accept the Trial Period Plan we will halt the foreclosure process as long as you continue to make your required trial plan payments. If you do not qualify for RAMP, or if you fail to comply with the terms In of the Trial Period Plan, you will be sent a Non-Approval Notice. most cases, you will have 30 days to review the reason for non-approval If your loan has and contact us to discuss any concerns you may have. bean previously referred to foreclosure, during this 30-day review period we may continue with pending foreclosure action, but no foreclosure sale will be conducted and you will not lose your home. ImportantDo_not_ignore_any_forsclosure_notices. The RAMP evaluation and the process of foreclosure may proceed at the You may receive foreclosure notices or you may see steps same time. While you will not lose being taken to proceed with a foreclosure sale. your home during the RAMP evaluation, to protect your rights under applicable foreclosure law, you may need to respond to these foreclosure If you do not understamd the legal notices or take other actions. consequences of the foreclosure, you are encouraged to contact a lawyer or housing counselor for assistance. LRO2O 001 LNV
0807li
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PAGE134,661
DATE07--15 USERLNV KEYLH020 VERS=OOl TITI,EHAMP Income /Trial Dcc Cvr LOAN= 0040638090 LINRSPERPAGE=NO CONOITIONS=2
lc FORN8X11 PRINTERZ951 SECURITY1
Patricia Martin 0040638090 July 15, 2011 Page 2
Questions Cell 10885651422 if you cannot afford to make your trial period A representative is payments, but want to remain in your home. available to assist you Monday through Friday, 9:00 a.m. to 11:00 p.m., Or if you have and Saturday, g:oo a.m. to 6:00 p.m.,. Eastarn Time.
decided to leave your home, contact us; we have other options that may Additionally, if you have any be able to help you avoid foreclosure. questions about the foreclosure (or other legal noticas that you receive), please call us for assistanca. You can also call the Homeowners HOPE Motline at 1888995HOPE (4673) They offer frea HODcsrtififed if you need further counseling. counseling services in English and Spanish, and can help answer any questions you have. Sincerely, Sharon Zuniga Senior vice President Wachovia Mortgage Please be advisad that Wachovia Mortgage may be attempting to collect If a debt and any information obtained may be used for that purpose.
you are currently in bankruptcy or your debt has been discharged in bankruptcy, Wachovia Mortgage is exercising its rights against the property and is not attempting to hold you personally liable on the Wa may raport information about your account to credit buraaus. Note. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. With respect to those loans located in the State of California, the state Rosenthal Fair Debt Collection Practices Act end the federal Fair Debt Collection Practices Act require that, except under circumstances, They may collectors may not contact you before 8 a.m. or after g p.m. not harass you by using threats of violence or arrest or by using Collectors may not use false or misleading statements obscene language. or call you at work if they know, or have reason to know, that you may For the nost part, collectors nay not receive personal calls at wurk. not tell another person, other than your attorney or spouse, about your Collectors may contact another person to confirm your location or debt. For more information about debt collection enforce a judgment. activities, you msy contact the Federal Trade Commission at 1877FTCHELP or www.ftc.gov. lHO2O 001 LNV
11-07-11
PAGE137,422
OATE=10-31 USERRCA ICEY=LH205 VERS=012 TITLEHMP Negative NPV LOAN= 0040638090 LTMES-PERPAGENO CONOITIOHS2
lc F0R848X14 PRINTERZ949 SECURITY1
October 31, 2011
Patricia Martin P0 Box 869

Grover Beach, CA 93483 0869
Dear Patricia Martin In response to the requast for mortgage payment assistance on the above referenced loan, Im writing to provide you with the decision on the loan modification under the federal governments Hone Affordable Modification Program (HA84P).
Unfortunately, Wachovia Mortgage is unable to offer you a Hone Affordable The Home Affordable Modification Program CHAMP) nodification. requires a calculation of the net present value (MPV) of a modification The NPV using a formula developed by the Department of the Treasury. calculation requires input of certain financial information about your When combined with other data in the Treasury income and your loan. nodal, these inputs estimate and compare cash flow the investor )owner) of your loan is likely to receive if the loan is modified and the Based on the HPV investors cash flow if the loan is not modified. results, the loan is not approved for a modification. Even though you are ineligible for assistance under the Home Affordable Modification Program (8IANP), you have 30 calendar days from the date of this notice to contact Wachovia Mortgage to diacuss the reason for nonapproval for a RAMP modification or to discuss alternative loss nitigation options such as inhouse modification programs, short sale, Your loan or dead-in-lieu of foreclosure, that may be available to you. may be referred to foreclosure during this time and any pending However, no foreclosure sale will be foreclosure action may continue. conducted and you will not lose your home during tbis 30-day period )or any longer period required to review supplemental material you may To have the loan reviewed for provide in response to this Notice) other loss mitigation options, please contact me at 8773719960
.
Enclosed are the specific inputs that were used in your NP? calculation. As you can see, some of the values are based on information that you provided as wall as information obtained from your loan history file and thirdparty resources, such as credit bureaus. Please take these important steps: If you have reason to 1. Carefully review the enclosed input values. believe that any of the input values calculated on the date noted are not accurate, such as a significant difference in your gross monthly income, I need to hear from you. If you 2. Verify the property value used in the NPV calculation. believe the property value used doas not reflect the fair market valus of your home, you nay provide an estimate of your property value and documentation to support your estimate. Wachovia Mortgage will perform a preliminary HPV evaluation using the property value If the preliminary NP? test is positive, a new appraisal you provide. will be ordared for your property. 3. Call me right away to discuss any inaccuracies and the documentation The documentation you needed. You can contact me at 877-371-9960. provide to dispute the input values must be from the date the HP? was After you call me, you will calculated, not current information. need to submit a written request to have your NP? recalculated, and attach your supporting documentation. 181205 012 KCA
1107-11
NSP IJETTERWRITER ACTIVITY FOR MONTH OF 10-11
PAGE137,423 ic FORH8X14 PRINTBRZ949 SECURITY=l
OATE1O3l USER=RCA KEY=1H205 VERS=012 TITLEH1IP Negative NPV LOAN= 0040638090 tINES-PER-PAGENO CONDXTIONSZ
Patricie Martin 0040638090 October 31, 2011 Page 2
4.
send your NPV recalculation request in writing, along with your supporting dooumentation, within 30 calendar days from the data of A new NPV evaluation will be conducted based on the new this latter. Send your documents to: information you provide. HANP Non-Approval Mail:
Mail Code T74l9022 4101 Wiseman Blvd San Antonio, TX 78251 E-mail: NcnApproval_RANPjnquiries@wellsfargo . con While theres no guarantee that a new NPV evaluation will result in approval of your modification, Wachovis Mortgage would like to ensure Youll your evaluation is based on the most accurate information. receive a decision on your loan modification based on the new HEy evaluation in writing. If you would like to seek assistance from a IWO-approved housing counselor, or seek assistance in understanding this oorrespondenoe, please contact the NOPE Hotline at 1888995HOPE and ask for MHA Help. Im here to help you If you have any questions ebout the decision made about your loan modification or any of the information in this letter, please call ma A Mortgage Consultant is also available to assist you today et 877-371-9960. Monday through Friday, 9:00 e.m. to 11:00 p.m., and saturday 9:00 a.m. to 6:00 p.m., Eastern Time. Sincerely,
CCRY MOELI,ER Home Preservation Specialist Wachovia Mortgage, a division of Wells Fargo Bank N.A. 8773719960 Phone Number: 8773719960 Fax Number:
lH205 012 KQA
11-07-11 LOAM= 0040638090
NSP LETTERWAITER ACTIVITY FOR MONTH OF 10-li
PAGE137,424
DATE=103l USER=KCA KEY=LH206 VERS=007 TITLE=HMP DieclosureBK(MM) & CA Ros lc FONN=8X14 PRINTERZ949 SECORITY1
LIHES-PER-PAGE=NO C0HDITIONS2
0040638090 October 31, 2011
Please be advised that Wachovia Mortgage may be attempting to collect If a debt and any information obtained may be used for that purpose. you are currently in bankruptcy or your debt has been dischsrgad in bankruptcy, Wachovia Mortgage is exercising its rights against the property and is not attempting to hold you personally liable on the We may report information about your account to credit bureaus. Note. late payments, missed payments, or other defaults or. your account may be reflectad in your credit raport. With respect to loans secured by property located in the State of California, the state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats Collectors cay of violence or arrest or by using obscene language. not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other then your attorney or spouse, about your dabt. Collectors may contact For another person to confirm your location or enforce a judgment. more information about debt collection activities, you may contact the Federal Trade commission at 1877FTCHELP or www.ftc.gov Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply the specific reason why we have denied credit to you. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you In addition, if you find that any information receive this notice. contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. Mail: EQUIFAX CRSDIT INFORNATION SERVICES 1550 Peachtree St PC Sox 740241 Atlanta, GA 303740241 Phone: 18006851111 IF YOU RESIDE IN THE STATE OF NEW YORK ANO IF YOU BELIEVE THE LOSS MITIGATION REQUEST HAS BEEN WRONGLY DEMIED, YOU MAY FILE A COMPLAINT WITH THE NEW YORK STATE BANKING DEPARTMSHT AT 1877BANKNYS ON WWW. BANKING. STATE .MY .US The Federal Equal Credit Opportunity ACt prohibits creditors from. discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicants income derives from any public assistance program; or because the applicant has in good faith exercised any right The federal agency that under the Consumer Credit Protection Act. administers compliance with this law concerning this creditor is Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 770109050
LN206 007 RCA
11-0711
I,OAN= 0040638090
MSP IETTERWRITER ACTIVITY FOR MONTH OF 10-11
PAGE137,425 lc FOEM=8X14 PRINTERZ949 SECURIIY=l
DATE10-31 USER=ECA IcEY=LH238 VERS=008 TITLE=HMP Disclo NM/FCRA/ECOA/NY LINESPERPAGENO CONDITIONS=0
0040638090 Patricia Martin October 31, 2011
Please be advised that Wachovia Mortgage may be attempting to collect If a dabt and any information obtained may be used for that purpose. you are currently in bankruptcy or your debt has been discharged in bankruptcy, Wachovia Mortgage is exercising its rights against the property and is not attempting to hold you personally liable on the We may report information about your account to credit bureaus. Note. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. With respect to loans secured by property located in the State of California, the state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors nay not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats Collectors may of violence or arrest or by using obscene language. not use false or misleading statements or call you at work if they know or have reason to know that you nay not receive personal calls at work. For the most part, collectors may not tell another person, other then Collectors may contact your attorney or spouse, about your debt. For another person to confirm your location or enforce a judgment. more information about debt collection activities, you may contact the Federal Trade Commission at l-877-rrCHELP or www.ftc.gov. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicants income derives from any public assistance program; or because the applicant has in good faith exercised any right The federal agency that under the Consumer Credit Protection Act. administers compliance with this law concerning this craditor is Office of the Comptroller of the Currency, Customer Assistance Group, 1301 NcKinney Street, Suite 3450, Houston, TX 770109050 If YOU RSSIDE IN THE STATE OF NEW YORE AHD IF YOU BELIEVE THE LOSS MIGRATIOH REQUEST HAS SEEN WRONGLY DENIED, YOU HAY FILE A COMPLAINT WITH THE NEW YORK STATE BANRING DEPARTMENT AT 1-877EANK-NYS OR WWW.BANRING.STATE.NY. US.
LH238 008 RCA
11-0711
MEP LETTERWRITER ACTIVITY FOR MONTH OF 10-11
PAGE137,426
PRINTERZ949 SECURITY1 DATEl0-3l USERBOH KEY=LH231 VERS=003 TITLEMAP-Delinquent Borr-Denial Ltr lc F05H8X14 LOAN= 0040638090 LINES-PERPAGE=NO CONDITIONS=2 October 31, 2011 Loan Number: 0040638090
Patricia Martin P0 Box 869
Grover Beach, CA 93483 0869
Dear Patricia Martin Unfortunately, after carefully reviewing the information you have provided, Wachovia Mortgage is unable to offer you a modification because: The income provided has been determined to be sufficient to make the contractual payment due on the loan. (x) Other: You have excessive financial obligations.
Even though the loan does not qualify for modification assistance, the loan may still be eligible for other loss mitigation options with Wachovia Mortgage, such as a payment plan, short sale or deedinlieu To have the loan reviewed for other loss mitigation of foreclosure. options, please contact me at 8773719960. If you have any questions about the decision nada on your modification I would also request, please call me today at 8773719960. like to hear from you if any of your circumstances have changed, or if A Mortgage you can provide additional information for consideration. Consultant is also available to assist you Monday through Friday, 9:00 a.n. to 11:00 p.m., and Saturday, 9:00 a.m. to 6:00 p.m., Easterm Tine. Sincerely, COlt? MOELLER Hone Preservation Specialist Wechovia Mortgage, a diviaion of Walle Fargo Bank, N.A. Phone Number: 8773719960 Fax Number: 8003130892 Wachovia Mortgage may be attempting to collect a debt and any We may report information obtained may be used for that purpose. information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your If you are currently in bankruptcy or your debt has been report. discharged in bankruptcy, Wachovia Mortgage is only exercising its rights against the property and is not attempting to hold you personally liable on the Note.
LH231 003 EON
1107-li
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PAGE137,427
OATE=1031 (JSER=BON KEY=L11231 VERS=003 TITLE=MAPDelinquent Borr-Denial Ltr lc FORM8X1O PRINTERZ949 SECURITY1 LOAM= 0040638090 LINES-PERPAGE=NO CONDITIONS2
Patricia Martin 0040638090 October 31, 2011 Page 2
With respect to those loans located in the State of California, the state Rosenthel Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 e.m. or after They may not harass you by using threats of violence or arrest 9 p.m. Collectors may not use false or or by using obscene language. misleading statements or call you at work if they know, or have reeson For the most to know, that you may not receive personal cells at work. part, collectors isay not tell another person, other than your attorney Collectors may contact another person to or spouse, about your debt. For more information about confirm your location or enforce a judgment. debt collection activities, you may contact the Federal Trade Commission 1-877-FTCHELP or www.ftc.gov IF YOU RESIDE IN THE STATE OF NEW YORK AND IF YOU BELIEVE THE LOSS MITIGATION REQUSST HAS BEEN WRONGLY DENIED, YOU MAY FILE A COMPLAINT WITH THE NEW YORK STATE BANKING DEPARTMENT AT l-B77BANKNYS OR WWW. BAMKING STATE. NY. US
LN231 003 SON
12OS-il
LOAN 0040638090
OF 11-11 MSP IETTERWRITER ACTIVITY FOR MONTH
PA6E128,093 RITY1 ic FORN=8X14 PRINTERZ932 SECU
se) TITLESPOC Frozen/Suspend (Adver DATE1102 USERCPI KEY=HPO14 VRS003 S2 LINES-PER-PAGS85 CONDITION
November 01,
2011
ge assistance Subject: Important update about yoir mortga

Dear Patricia Martin t, Im writing to inform you of changes As rour home mortgage specialis let you know what to status of your mortgage assistance and in the g to help Ive been your primary contact, workin going forward. expect Please understand that, at process. you through the mortgege assistance find a. mortgage assistance this time, T am not able to help you solution. ions process will resume, if For that reason, the normal collect receiving phone calls and appropriate. This means you will begin They will ions department. notices from the Wachovia Mortgage collect and also inquire about any changes in keep you informed of the process your financial situation. Our office hours 18002823451. For any questions, please call us at and Saturday, 8:00 AN to y through Friday, 8:00 AM to 10:00 PM, are Monda 5:00 PM, CT. Sincerely, COnY MOBLLER Home Preservation Specialist Fargo Bank N.A. Wachovia Mortgage, a division of Wells Phone number 8773719960 Fax number 8003130892 Mortgage may be attempting to collect Please be advised that Wachovia If may be used for that purpose. a debt and any information obtained discharged in tly in bankruptcy or your debt has been you are curren ing its rights against the bankruptcy, Wachovia Mortgage is exercis ally liable on the and is not attempting to hold you person property t to credit bureaus. We may report information about your accoun Note. defaults on your account may payments, missed payments, or other Late be reflected in your credit report. property located in the State of With respect to loans secured by Debt Collection Practices Act and California, the state Rosenthal Fair Practices Act require that, except the federal Fair Debt Collection ors may not contact you before under unusual circumstances, collect of They nay not harass you by using threats 8 a.m. or after 9 p.m. e language. Collectors may not use violence or arrest or by using obscen call you at work if they know, or have false or misleading statements or For work. you may not receive personal calls at reason to know, that than your ors may not tell another person, other the most part, collect Collectors may contact another attorney or spouse, about your debt. For more your location or enforce a judgment. person to confirm may contact the , about debt collection activities you information fl? or www.fto.gov. Federal Trade Commission 1877-FTC-N HP014 003 CPT
1205-11
NSP LETTRRWRITER ACTIVITY FOR MONTH OF 11-11
PAGE128, 094 lc F0m48X11 PRINTHR=5932 SECURITY=l
DATE=1l02 OSER=CML REY=HPOO1 VERS=003 TITLE=Affirmetion Statement LOAN= 0040638090 LIN6S-PER-PAGENO CONDITIONS=2
November 02,
2011
Patricia Martin 342 N 4th Street Grover Beach CA 93433
I, COW! NOELIER, Home Preservation Specialist, as the single reviewed point of contact assigned to this loam, attest that I have of this ben and that to the best of my knowledge after due inquiry been have appropriate sources, available loss mitigation alternatives exhausted and a nonforeclosure outcome could not be reached.
NPOO1 003 CML
EXHIBIT Z
Page
of
15)
V ac iovt Mjc PG 30N65S558 Scn Acno, Tt 73Z55-ES
November iS, 2011
Patricia Martin
P.O. Box 869

Grover Beach, CA 93483-0869
th Properly Address: 342 N 4 Street, Grover Beach, CA 93433-1533 Case Number 2346
Subject: Additional information requested about the Net Present Value (NPV) calculated as part of the federal governments IlomeAfforclable Modification Program (F.L4MP) Dear Patricia martin: Were writing to provide you information about the NPV re-evaluation outcome and the input values used in the NPV re-evaluation. Previously, we wrote you explaining that in order to qualify for a modification under HAMP; the government requires a Net Present Value (NPV) analysis as part of the modification review process. The NPV calculation is based on a complex formula developed by the Department of the Treasury. Based on the initial NPV analysis, the NPV result was negative, which means that the loan should not be modified. In response to the NFV results, you disputed certain inputs which were used in the analysis. An NPV re-evaluation was performed using the updated values you provided and the re-evaluation resulted in a negative NPV outcome. Unfortunately, we are still unable to offer you a modification under the RAMP Program; our previous decision will stand. Were providing you with the specific inputs that were used as part of the NPV re-evaluation. As you can see, some of the values are based on information that you provided to us, as well as information we secured from the loan history file and third-party sources, such as credit bureaus. NPV INPUT DATA FIELDS AND VALUES Value used in
Input Data Fields Explanation toI:tennme
NPV calculation
eligibility of
your mortgage Current Borrower Credit Score
1.
Borrower Information I. This field identifies your credit score as provided by one or more of the three national credit reporting agencies.
650
tii.cz.
ci c.
dic F.us
i, 4 r
?age 2
of
15)
cfl i.i
)c
r-o 3ot5ifl
Sr
9Tar, 6
7553
2.
Current Ce-
borrower Credit Score
If a co-borrower is listed on the mortgage, this field co-borrowers credit score as provided by one or more of the three national credit reporting agencies.
identifies the
,4-
IA.
g. Monthly Gross Income
This field identifies the monthly gross income of all borrowers on your loan before any payroll deductions
or taxes.
II. Property Information
$3,134.38
4. Property
State
This field identifies the two letter state code of the property securing your mortgage. CA This field identifies the zip code of the property securing your mortgage.
-
5. Property Zip Code

-
93433 This field identifies the estimated fair market value of your property used by us, your servicer, for this analysis. $276,000.00
6. Property
Value
7. Property Valuation Type
This field
identifies the method by which your property
was valued (as noted in Field 6, Property Value)
Automated Valuation Model (AIIM) Exterior Broker Price Opinion (BPO)
(as is value) 3 Interior BPO / Appraisal (as is value)

Ill.
/ Appraisal
2
Mortgage Information
8. Data Collection
Date
This field identifies the date on which the Unpaid Principal Balance and other data used in the NPV analysis was collected by us, your servicer. This field indicates your default status at the time you
asked to be evaluated for HAMP. If you have not
io/24/2o11
g. Imminent Default
Flag
missed any payments or less than two payments are
10. Investor Code
due and unpaid by the end of the month in which they are due, you are considered to be in imminent default and the value in this field is Ti. If two or more payments are due and unpaid by the end of the month in which they are due at the time of application, the value in this field is N. This field identifies the owner of your mortgage. i-Fannie Mae 2-Freddie Mac 3-Owned by a private investor other than us, your servicer 4-Owned by us) your servicer or an affiliated company
5-Ginnie Mae
4 ii. Unpaid Principal Balance at Origination

12. First Payment at Origination
Date
This field identifies the amount of your mortgage at the time it was originated (i e., the amount you borrowed).
$255,000 00 This field identifies the date the first payment on your mortgage was due after it was originated. 9/15/2005
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j Product Before Modification

13.
This field uses codes to identify the type of mortgage you held prior to applying for a H.AMP modification: i.Adjustable Rate Mortgage (ARM) and/or Interest Only mortgage loan 2. Fixed Rate 3 Step Rate 4. One Step Variable 5 Two Step Variable 6. Three Step Variable 7. Four Step Variable 8. Five Step Variable g. Six Step Variable ro. Seven Step Variable ii. Eight Step Variable 12. Nine Step Variable 13. Ten Step Variable 14 Eleven Step Variable 15. Twelve Step Variable 6 Thirteen Step Variable 17. Fourteen Step Variable
MCHCW 1/i
14. Adjustable Rate Mortgage (ARM) Reset Date
This field applies only to Adjustable Rate Mortgage (ARM) loans. If you do not have an ARM loan this field will be blank. This field identifies the date on which the next Adjustable Rate Mortgage (ARM) reset was due to occur, as of the Data Collection Date (Field 8).
.
11/15/2011
Next Adjustable Rate Mortgage (ARM) Reset Rate

15.
This field identifies the rate at which your mortgage was expected to change based on when the next reset date (Field i4) is scheduled to occur. Please look to your mortgage loan documentation for information on how your mortgages rate is recalculated at its reset date. If the reset date on your ARM loan is within 120 days of the Data Collection Date, this value in this field is the expected interest rate on your mortgage at the next reset date. If the reset date on your ARM loan is more than 120 the Data Collection Date, the value in this field is your current interest rate at the time of NPV evaluation.
days from
i6. Unpaid Principal Balance Before Modification
This field identifies the unpaid amount of principal (money you borrowed) on your mortgage as of the Data Collection Date. It does not include any unpaid interest or other amounts that you may owe.
$213,305 13
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17 Interest Rate Before Modification
This field identifies the interest rate on your mortgage as of the Data Collection Date
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3.AJ,
IA
5.38% iS. Remaining Term (# of Payment Months Remaining) Principal and Interest Payment Before Modification
19.
This field identifies the remaining number of months you have left to pay under the original term of your mortgage as of the Data Collection Date. 283 This field is the amount of principal and interest you were scheduled to pay each month as of the Data Collection Date A. If your loan had an adjustable rate scheduled to reset withm 220 days this field will reflect the pnncipal and interest payment associated with the new interest rate B. If your mortgage is an Interest Only loan and your loan was in the interest only period, the value in this field is the interest payment that was due each month. C. If your mortgage is a negative-amortization loan, the value in this field is the greater of a. the principal and interest payment you sent on the most recent payment date; orb the minimum payment required on your loan.
$170652
Monthly Real Estate Taxes

20
21.
This fielIdentthes the monthly cost of your real estate taxes If your taxes are paid annually, this amount will be 1/12th of the annual cost. This field identifies the monthly cost of your hazard and flood insurance coverage. If your insurance is paid annually this amount will be 1/12th of the annual cost.
$109.04
Monthly Hazard and Flood Insurance
9 7 S56. Homeowner Association Dues/Fees

22.
This field identifies your monthly homeowners or condominium association fee payments, if any, and/or any future monthly escrow shortages. If your homeowners or condominium association fee payments are paid annually this will he 1/12th of the annual cost If your property has no association fee payments, this field is blank. SSo,oo This field identifies the number of mortgage payments you would have had to make in order to make your mortgage current as of the Data Collection Date.
13
L-_- Months Past Due 23.
_______________________
24. Mortgage Insurance Coverage Percent
This field identifies the percentage of private mortgage insurance coverage on your loan, If you do not have private mortgage insurance, this field is blank.
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Proposed Modification Information IV. x 40 ut 9 describe the proposed RAMP modification that was calculated*; The fields below servicer according to the HAMP program guidelines (subject to investor restnction$flht . were used in your Net Present Value (NPV) evaluation.
-
a. NPV Date 26. Unpaid Principal Balance of the Proposed HAMP Modiliction (Net of Forbearance & Principal Reduction)
This field identifies the date that the Net Present Value evaluation was conducted on your mortgage. This field identifies the beginning principal balance on which you would have been required to pay interest, if you had received a HAMP modification. It is likely to be different than your current principal balance because it includes amounts you owe for missed mortgage payments and unpaid expenses that are allowed to be added (capitalized) to your principal balance. Additionally it may be reduced by proposed principal forbearance (Field 32) or proposed principal forgiveness (Field 33)
/2011 6 Ji/1
$235,983.25
27 Interest Rate of the Proposed RAMP Modification
proposed RAMP modified mortgage. This rate is fixed for at least the first 5 years after modification.
2.00%
This field identifies the starting interest rate of the
28 Amortization Term of the Proposed FTAMP Modification 29. Principal and

Interest Payment of the
This field identifies the number of months left to pay the proposed RAMP modified mortgage.
480
This field identifies the amount of the monthly

prmcipal and mterest payment on the proposed HAMP modified mortgage. $714.62
Proposed RAMP Modification Pnneipal Forbearance Amount of the Proposed RAMP Modification
30
This field identifies the amount of principal your investor was willing to forbear on the proposed HAMP modified mortgage. You would have still owed this amount, but you would not be charged interest on it and no payments would have been due on this amount until you paid off your loan.
$40,013
78
Principal Forgiveness Amount of the Proposed RAMP Modification

ji.
This field identifies the amount of pnncipa] your investor was willing to forgive under the proposed
WiMP modified mortgage.
32.
Modification Fees
This field identifies the total amount of costs and fees that would have been paid by the investor
HAMP modification It includes expenses such as notary fees, property valuation, credit report and other required fees.
(owner) f your loan, if you had been approved for a
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33. Mortgage Insurance Partial Claim Amount of the Proposed RAMP Modification
This field identifies any mortgage insurance payout amount as part of the proposed RAMP modified
mortgage, which is at the discretion of your mortgage insurance company.
IA
This should be zero if you were not approved for a tnal period plan or permanent RAMP modification for reason of negative NPV.
OPE and asic for understanding this correspondence, please contact the ROPE Hotline at 1-888-995-R MHA HELP. ntative is able to assist you If you have any questions, please contact us at I-Soo-6zn-o257. A represe p.m. Eastern Time. Monday through Friday, 9:00 am. to 9:00 Sincerely,
nce in If you would like to seek assistance from a HUD-approved housing counselor, or seek assista
Customer Care Manager Customer Expenence Department/QWRC
obtained will be usedfor that This communication is an attempt to collect a debt and any information rge of this debt in bankruptcy or are currently in a purpose. However, jfyou have received a discha this company has a bankruptcy case, this notice is not intended as an attempt to collect a debt and, only exercise its rights against the property security interest in the property and wzll Fair Debt Collection Practices With respect to those loans in the state of Cal Vornia, the state Rosenthal under unusual Act and the Federal Fair Debt Collection Practices Act require that, except They may not harass you or after 9p.m. circumstances, collectors may not contact you before 8 a.m. tors may not usefalse or by using threats ofviolence or arrest or by using obscene language Collec jfthey know or have reason to know that you may not misleading statements or call you at work another person, other than receive personal calls at work. For the most part, collectors may not tell to confirm your r your attorney or spouse) about your debt. Collectors may contact anothe person es, you may ion activiti location or enforce ajudgnient. For more information about debt collect contact the Federal Trade Commission at 1-877-FTC-HELP or wwwJgov.
THE LOSS MITIGATION IF YOU RESIDE IN THE STATE OF NEW YORK AND YOU BELIEVE A COMPLAINT WITH THE NEW YORK REQUEST HAS BEEN WRONGLY DENIED, YOU MAY FILE ING.STATE.NY, US STATE BANKING DEPARTMENTAT i-S-BANK-NYS OR M2YW.BANK
za
hiortgage is a
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EXHIBIT AA
As
Luis OlspO CountY ClerklRecorder

Recording requested by: LSI Title Company When Recorded Mail To: NDEz West, L.L.C. 15000 Surveyor Boulevard, Suite 500 Addison, Texas 75001-9013 APN#: 060-143-008 Property Address: 342 NORTH 4TH STREET GROVER BEACH, CALIFORNIA 93433
Title Court Services Inc

00 C .
U I UUUUU II i
Recorded at the request 0!
flflRQ1I
Titles: 1
-1
pages:
3
20.00 0.00
h U U I
II II
Ii U I I
III
Fees Taxes
Others
PAID
__3.o0 $23.00
III IIIII I I NI
IIUIII
DFF2OI 00015012678
IIIIIII
Space above this line for Recorders ase only
Trustee Sale No.: 20100015012678
Title Order No.: 100795320
IMPORTANT NOTICE
NOTICE OF DEFAULT AND ELECTION TO SELL UNDER DEED OF TRUST

IF YOUR PROPERTY IS IN FORECLOSURE BECAUSE YOU ARE BEHIND IN YOUR PAYMENTS
IT MAY BE SOLD WITHOUT ANY COURT ACTION, and you may have the legal right to bring your account in good standing by paying all of your past due payments plus permitted costs and expenses within the time permitted by law for reinstatement of your account, which is normally five business days prior to the date set for the sale of your property. No sale date may be set until three months from the date this Notice of Default may be recorded (which date of recordation appears on this notice).
While your property is in This amount is $9,356.86 as of 12/28/2010 and will increase until your account becomes current. foreclosure, you still must pay other obligations (such as insurance and taxes) required by your note and deed of trust or mortgage. If you fail to make future payments on the loan, pay taxes on the property, provide insurance on the property, or pay other obligations as required in the note and deed of trust or mortgage, the beneficiary or mortgagee may insist that you do so in order to reinstate your In addition; the beneficiary or mortgagee may require as a condition of reinstatement that you provide account in good standing. reliable written evidence that you paid all senior liens, property taxes, and hazard insurance premiums. Upon your written request, the beneficiary or mortgagee will give you a written itemization of the entire amount you must pay. You may not have to pay the entire unpaid portion of your account, even though full payment was demanded, but you must pay all amounts in default at the time payment is made. However, you and your beneficiary or mortgagee may mutually agree in writing prior to the time the notice of sale is posted (which may not be earlier than the three month period stated above) to, among other things. (I) provide additional time in which to cure the default by transfer of the property or otherwise; or (2) establish a schedule of payments in order to cure your default; or both (I) and (2). Following the expiration of the time period referred to in the first paragraph of this notice, unless the obligation being foreclosed upon or a separate written agreement between you and your creditor permits a longer period, you have only the legal right to stop the sale of your property by paying the entire amount demanded by your creditor.
FCUS_NoticeOtDefault.rpt Record (5/13/2010)Ver-29

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page
of 2
IMPORTANT NOTICE T AND ELECTION TO SELL UNDER DEED OF TRUS NOTICE OF DEFAULT Title Order No.: 100795320 Trustee Sale No.: 20100015012678 is in foreclosure for any for payment to stop the foreclosure, or if your property To find out the amount you must pay, or to arrange other reason, contact: AND GAGE, A DIVISION OF WELLS FARGO BANK, NA. WELLS FARGO BANK, N.A., AJKIA WACHOVIA MORT , FSB F/K/A WACHOVIA MORTGAGE do NDEX WEST, LLC 15000 Surveyor Boulevard, Suite 500 Addison, Texas 75001-9013 (866) 795-1852 or the governmental agency which may have insured your loan. If you have any questions, you should contact a lawyer the sale is concluded prior foreclosure, you may offer your property for sale provided Notwithstanding the fact that your property is in to the conclusion of the foreclosure.
DO NOT TAKE PROMPT ACTION. REMEMBER, YOU MAY LOSE LEGAL RIGHTS IF YOU
NOTICE IS HEREBY GIVEN THAT: Substituted Trustee, or NDEX WEST, LLC is the original Trustee, duly appointed ICIA MARTIN, as a Deed of Trust dated 07/29/2005, executed by PATR acting as Agent for the Trustee or Beneficiary under Recorded on 08/02/2005 as Instrument D SAVINGS BANK, FSB, as Beneficiary Trustor, to secure obligations in favor of WORL as more filly described the Recorder of SAN LUIS OBISPO County, California, No. 2005063613 of official records in the Office of amount of 5255,000.00 that the beneficial al Guaranty which had a principal on said Deed of Trust. Including a Note(s)/ Uncondition breach of, and secured thereby are presently held by the Beneficiary; that a interest under said Deed of Trust and the obligations has not been made of: occurred in that the payment default in, the obligations for which said Deed of Trust is security has
SUBSEQUENT EST WHICH BECAME DUE ON 9/15/2010 AND ALL THE INSTALLMENT OF PRINCIPAL AND INTER SAID NOTE AND DEED OF TRUST, GES AS SET FORTH IN INSTALLI1ENTS, TOGETHER WITH LATE CHAR FEES, IF ANY. ADVANCES, ASSESSMENTS, FEES, AND/OR TRUSTEE BENEFICIARY TRUED AS A WAIVER OF ANY FEES OWING TO THE NOTHING IN THIS NOTICE SHALL BE CONS MENTS. S OF THE LOAN DOCU UNDER THE DEED OF TRUST, PURSUANT TO THE TERM
written Declaration deed of trust, has executed and delivered to said agent, a That by reason thereof, the present beneficiary under such obligations with said agent such deed of trust and all documents evidencing of Default and Demand for same, and has deposited immediately due and payable and has elected and all sums secured thereby secured thereby, and has declared and does hereby declare the obligations secured thereby. does hereby elect to cause the trust property to be sold to satist,
DATED: 12/28/2010 NDEX WEST, LLC as Agent for Beneficiary By: LSI Title Company, agent
By:
Menf1onq But
Page 2 of 2 fCU5_Noticeofflefault.rpt
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Record
(5/13/20 I0)Vcr.29
Wachovia Mortgage Pt) ox65958
San Antonio. TX 78265-955B
Patricia Martin
WACHOVIA
Declaration of Wells Fargo Bank, N.A.
n 2923.5, I, As reTiired by California Civil Code Sectio Bank, N.A., declare as follows an of jeer of Wells Fargo to as Regarding Patricia Martin (hereinafter referred requirement of Fargo Bank, N.A., has met the borrower), Wells California Civil Code Section 2923.5 as indicated below. (X
( )
as set Wells Fargo Bank, N.A., has contacted the borrower nia Civil Code Section 2923.5(a) (2). forth in califor ce, as Wells Fargo Bank, N.A., has tried with due diligen (g), to prescribed by California Civil Code Section 2923.5 contact the borrower.
and/or their The undersigned authorizes the trustee, foreclosure agent thorized agent, ized agent to sign, on behalf of the beneficiary/au author nt to d the Notice of Default containing the declaration require pursua 2923.5. C.vil Code
r certify (or declare) under State of California that the
under the laws of the and correct.
Date
JV7/[O
Vice President Loan Documentation
FPOO6 012 JJN
Wachnvld
Mtji IO
tIWLStOfl nf
Wtll fargo sank. N A
L11740 Re, 1 0i07)
END OF DOCUMENT
EXHIBIT BB
Recording requested by: LSI Title Company

When Recorded Mail To:
JULIE R0DEWALD
Recorded at the request of
AB
San Luis Obispo County-Clerk/Recorder
2/15/2011 8:29 AM
NDEx West, L.L.C.
15000 Surveyor Boulevard, Suite 500

Addison, Texas 75001-9013
APN #: 060-143-008
doc#:
2011007883
Titles: 1
Fees Taxes Others
Pages:
2
17.00 0.00 3.00
Property Address:
342 NORTH 4TH STREET
PAID
$20.00
GROVER BEACH, CALIFORNIA 93433
SUB20100015012678
Space above this line for Recorder's use only Trustee Sale No.: 20100015012678 Title Order No.: 100795320
SUBSTITUTION OF TRUSTEE
WHEREAS, PATRICIA MARTIN was the original Trustor, GOLDEN WEST SAVINGS ASSOCIATION SERVICE CO. was the original Trustee, and WORLD SAVINGS BANK, FSB was the original Beneficiary Recorded on 08/02/2005 as Instrument No. 2005063613 of official records in the Office of the Recorder of San Luis Obispo County,California, as more fully described on said Deed of Trust.; and WHEREAS, the undersigned is the present Beneficiary under said Deed of Trust, and WHEREAS, the undersigned desires to
substitute a new Trustee under said Deed of Trust in place and instead of said priorTrustee.
NOW, THEREFORE, the undersigned hereby substitutes, NDEx West, L.L.C., WHOSE ADDRESS IS: 15000 Surveyor Boulevard,
Suite 500, Addison, Texas 75001-9013, as Trustee under said Deed of Trust.
Whenever the context hereof so requires, the masculine gender includes the feminine and/or neuter, and the singular number includes the
plural.
Dated:
JAN J J 20lf
WELLS FARGO BANK, NA SUCCESSOR BY MERGER TO WELLS FARGO BANK SOUTHWEST, NA F/K/A WACHOVIA MORTGAGE FSJ&^/K/A WORLD SAVINGS BANK, FSB
W/SfcLLC ir/F?
State of TEXAS} County of DALLAS }
Ricpuarez/- Assistant Vide President - Foreclosure Operations Manager
On I I / j l*>*HJ I I
me to bethe person(s) whosename(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity upon behalfof
which the person(s) acted, executed the instrument.
before nftp**^^^ It. fJi X) Is \l\\ I^Oll before nS^L}; Q\lOL ILju/
. Notary Public, personally appeared Ric Juarez who is known to
WITNESS my hand and official seal.
Signature: J^jUX. ft jJuUL^^^(Seal)

My commission expires:
FCUS_Substitiute Of Trustee. Rpt - 6/16/09 - Ver 27
Page 1 of 1
EXHIBIT CC
JULIE RODEWALD
Recording requested by: LSI Tide Company When Recorded Mail To: 15000 Surveyor Boulevard, Suite 500 Addison, Texas 75001-9013 (866) 795-1852 APN #: 060-143-008 Property Address: 342 NORTH 4rH STREET GROVER BEACH, CALIFORNIA 93433 Becorded at the request of
San Luis Obispo CountyClerklRecorder
AB 510412011 8:33 AM Pages:
TItle Court Services Inc

DO C
#:
2011021354 J
Titles; 1
1
14.00 0.00 3.00 $17.00
Fees Taxes Others PAID
NOTS2O10001 5012678 Trustee Sale No.: 20100015012678
Space abonc this usc br Recorders use only
FHAIVAiPMI No.:
NOTICE OF TRUSTEES SALE

UNLESS YOU TAKE ACTION TO DATED 07/29/2005. DEED OF TRUST, YOU ARE IN DEFAULT UNDER A IF YOU NEED AN EXPLANATION OF THE AT A PUBLIC SALE. PROTECT YOUR PROPERTY, IT MAY BE SOLD A LAWYER. PROCEEDING AGAINST YOU, YOU SHOULD CONTACT NATURE OF THE as Instrument No. and pursuant to Deed of Trust Recorded on 08/02/2005 NDEX WEST, LLC, as duly appointed Trustee under SAN LUIS OBISPO County, State of CALIFORNIA. Recorder of 2005063613 of official records in the office of the County PATRICIA MARTIN, EXECUTED E;Y: CASH, CASHIERS CHECK/CASH EQUIVALENT or other AT PUBLiC AUCTION TO HIGI-TEST BIDDER FOR WILL SELL sale in lawful money of the United States). form of payment authorized by 2924h(b), (payable at time of 11:30 AM TIME OF SALE: 05/26/2011 DATE OF SALE: DOORS TO THE SAN LUIS OBISPO COUNTY AT THE OSOS STREET ENTRANCE NEAR THE SALE: PLACE OF OBISPO, CA. COURTHOUSE, SAN LUIS real property described above is purported to be: STREET ADDRESS and other common designation, if any, of the 93433 342 NORTH 4TH STREET, GROVER BEACH, CALIFORNIA APN#: 060-143-008 of the street address and other common designation, if any, The undersigned Trustee disclaims any liability for any incorrectness or warranty, expressed or implied, regarding title, possession, or shown herein. Said sale will be made, but without covenant provided in note(s) secured by said Deed of Trust, with interest thereon, as encumbrances, to pay the remaining principal sum of the the trusts created by Trust, fees, charges and expenses of the Trustee and of said note(s), advances, under the terms of said Deed of the property to be sold and reasonable total amount of the unpaid balance of the obligation secured by said Deed of Trust. The The beneftciary of the Notice of Sale is $286,309.17. initial publication estimated costs, expenses and advances at the time of the and Demand for Sale, and delivered to the undersigned a written Declaration of Default under said Ded of Trust heretofore executed Sell to be The undersigned caused said Notice of Default and Election to and a written Notice of Default and Election to Sell. recorded in the county where the real property is located,
FOR TRUSTEE SALE INFORMATION PLEASE CALL:
AGENCY SALES & POSTING 3210 EL CAMIrNO REAL, SUITE 200 IRVINE, CA 92602
714-730-2727
NDEx West, L.L.C. MAY BE ACTING AS A DEBT A COLLECT ATTEMPTING TO COLLECTOR ANY INFORMATION OBTAINED WILL DEBT. BE USED FOR THAT PURPOSE.
www.
Dated: 05/02/2011
Record
t2/07/20t0 Ver-29
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Page I of I
END OF DOCUMB1T
EXHIBIT PD
Recording requested by: NDEx West, L.L.C. 15004) Surveyor Boulevard, Suite 500 Addison, Texas 75001-9013 When Recorded Mail to and Mail Tax Statement to: WELLS FARGO BANK, NA SUCCESSO .et at do WELLS FARGO BANK, N.A, A/ICiA .et SI 4101 WISEMAN BOULEVARD SAN ANTONIO, TX 78251 APN #: 060.143-008 Property Address: 342 NORTH 4TH STREET GROVER BEACH, CALIFORNIA 93433
JULIE RODEWALD San Luis

Recorded at te reqeest at
Obispo County ClerklRecortjer

DOC#:
1211212011 8:47 AM
Pages:
2011062732
Title:: 1
2
17.00
0.00
IuI I I JI IMI 1I1Il1I
Fees Taxes
Others
PAID
0.00 $17.00
IUIftIIIIIUIIIUhIlll
TDUS20100015012678
Space above this line for Recorders use only Tmstee Sale No.: 20100015012678 Title Order No.: 100795320
TRUSTEES DEED UPON SALE

The undersigned grantor declares: 1) The Grantee herein WAS the foreclosing beneficiary 2) The amount of the unpaid debt together with cost was 3) The amount paid by the grantee at the trustee sale was 4) The documentaiy transfer tax is 5) Said property is in the city of GROVER BEACH $298,175.64 $298,175.64
$0.00
NDEx West, L.LC., as the duly appointed Trusteeunder the Deed of Trust hereinafter described, does hereby grant and convey, but without covenant or warranty, express or implied, to:
WELLS FARGO BANK. NA SUCCESSOR BY MERGER TO WELLS FARGO BANK SOUTHWEST, NA F!K!A WACHOVIA MORTGAGE FSB FIKIA WORLD SAVINGS BANK, FSB (herein called Grantee), all of its right, title and interest in and to that certain property situated in the County of San Luis Obiapo, State of California, described as follows: LOT 15 [N BLOCK 37 OF BECKEITS RESUBDIVISION OF PART OF THE TOWN OF GROVER, iN THE CiTY OF GROVER BEACH, IN THE COUNTY OF SAN LUTS OBISPO, STATE OF CALIFORNIA, ACCORDING TO MAP RECORDED NOVEMBER 9, 1925 IN BOOK 3, PAGE 70 OF MAPS, ThI THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY. RECITALS: This conveyance is made pursuant to the powers conferred upon Trustee by that certain Dead of Trust dated 0712912005 and executed by PATRiCIA MARTIN Trustor(s), and Recorded on 08/02/2005 as Instrument No.2005063613 of official records of San Luls Obispo County, California, and after fulfillment of the conditions specified in said Deed of Trust authoxizrng this conveyance. Default occurred as set forth in a Notice of Default and Election to Sell which was recorded in the Office of the Recorder of said County, and such default still existed at the time of sale. All requirements of law regarding the mailing of copies of notices or the publication of a copy of the Notice of Default or the personal delivesy of the copy of the Notice of Default and the posting and publication of copies of the Notice of a Sale have been complied with.
MAIL TAX STATEMENTS AS DIRECTED ABOVE

FCUS_TaetecOcedUponSalc.rp. (10117/2011)! Vr-26
Page 1 of 2
Trustee Sale No.: 20100015012678
of Trust, sold the herein es Sale and in exercise of its powers under said Deed Trustee, in compliance with said Notice of Truste sale, became the purchaser of said Grantee, being the highest bidder at said described property at public auction on 11/2812011. bid if the Grantee was the 5.64 in lawful money of the United States, or by credit property for the amount bid being 298,17 said Trustees Sale. beneficiary of said Deed of Trust at the Time of
DATED: 12/08/2011
NDEs West, L.L.C., as Trustee
Thls Instrument Is being recorded as an ACCOMMODATION ONLY, with no Representation as to its effect upon fltle
12/8/2011
OATED
Stateof County of
}
DALLAS
Notary Public, personally before me, 12/812011 On name(s) is/are who is known to me to be the person(s) whose fliC Juarez appeared in his/her/their authonzed ledged to me that lie/she/they executed the same subscribed to the within instrument and acknow upon behalf of which the person(s) re(s) on the instrument the person(s), or the entity capacity(ies), and that by his/her/their signatu acted, executed the instrument. WITNESS my hand and offlc seal.
Signature:
TAnna Salazar
4 M1t1)(ht
s__i .___4)
(Seal)
My commission expires:
i P1 (15
Pige 2 nr2
I Ve,-26 FCUS_TntccDecdUpOnSaIfipt (lO/l 7t201 I)
1
2
PROOF OF SERVICE
STATE OF CALIFORNIA COU1TY OF LOS ANGELES
) )
3 4
5
) ss. I am employed in the County of Los Angeles, State of California. I am over the age of 18 and not a party to the within action; my business address is 199 5. Los Robles Avenue, Suite 600, Pasadena, California 91101-2459. On April 6, 2012, I served the foregoing document described as:
DECLARATION OF MICHAEL DOLAN IN SUPPORT OF DEFENDANT WELLS FARGC BANK, N.A.S OPPOSITION TO OSC RE PRELIMINARY INJUNCTION
6
7
8 z
F
9 10 11 12 on the interested parties in this action by placing a true and correct copy enclosed in a sealed envelope addressed as follows: Counselfor Plaintiff Mark Zanides, Esq.
LAW OFFICE OF MARK ZANIDES 30251 Golden Lantern, Suite E- 102 LagunaNiguel, CA 92677
Counselfor Defendant. NDeX WEST, LLC Edward A. Treder, Esq.

BARRETT DAFFIN ET AL. 20955 Pathfinder Road, Suite 300 Diamond Bar, CA 91765
L)
13 14 15
mzanides@mnzlaw.com
edwardt@bdfgroup.com
Tel: (626) 915-5714 Fax: (909) 595-7640
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Tel: (949) 545-6526 Fax: (888) 422-8816
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[XI
BY ELECTRONIC 1IAIL: I transmitted via email the document listed above to the email addresses set forth above on this date. I transmitted from my email address, jashley@afrct.com, without any error or non-delivery message in response. BY OVERNIGHT MAIL SERVICE: I am readily familiar with the firms practice of collection and processing correspondence by overnight mail. Under that same practice it would be deposited with Norco Delivery Services on that same day with charges made to our account with that firm at Pasadena, California in the ordinary course of business. STATE: I declare under penalty of perjury under the laws of the State of California that the above is true and correct.
[XI
[XI
Executed on April 6, 2012, at Pasadena, California.
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Jill Ashley (Print Name)

93000/FROO9 1/00352347-1
(Signature of Declarant)
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PROOF OF SERVICE

Declaration of Michael Dolan of Wells Fargo Bank in Martin v. Wells Faro Case.

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Declaration of Michael Dolan of Wells Fargo Bank in Martin v. Wells Faro Case.

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1 2 3 4 5 6 7 8 9

Street, Grover Beach,

$ 1,723.41 $ 1,189.21 .00 $ $ 1,619.15 $ 1,293.47

The Notice of Default evidenced mortgage arrears of $9,356.86 as of December

A true and correct copy of the Substitution of Trustee is

WORLD SAVINGS BANK, FSB

ADJUSTABLE RATE MORTGAGE NOTE PICK-A-PAYMENT LOAN

LOAN NUMBER 0040638090

July 29, 2005

93433-1533 PROPERTY ADDRESS 342 NORTh 4TH STREET, GROVER BEACH, CA

1 BORROWERS PROMISE TO PAY

2. INTEREST (A) Interest Rate

94612 1901 HARRISON STREET, OAKLAND, CALIFORNIA

SO253 (2004-03-1) ccxi

, the amount of interest that is nt paid each month

Payment Cap Umitation; Exceptions

4, FAILURE TO MAKE ADJUSTMENTS

5. BORROWERS RIGHT TO PREPAY

MAXIMUM LOAN CHARGES

to Lander ption agreement which is satisfactory the transferee executes an assum

FOLLOWS. LEFT BLANK; SIGNATURE PAGE THIS SPACE INTENTIONALLY

ADJUSTABLE NOTE Pages

SIGNATURE PAGE NOTICE TO BORROWER(S):

CTLY AS IT APPEARS BELOW) (PLEASE SIGN YOUR NAME EXA BORROWER(S):

EWA JULIE RODpo CouLD nty

U) 810212005 8:00 AM Pages:

First American Title Company DO C#:

Titles: 2 Fees Taxes Others PAID

DEED OF TRUST-ADJUSTABLE Pape 4

DEED OF TRUST-ADJUSTABLE Page 7

DEED OF TRUST-ADJUSTABLE Page 8

DEED OF TRUST-ADJUSTABLE Page 9

AGREEMENTS ABOUT LENDERS RIGHTS IF THE PROPERTY IS SOLD OR TRANSFERRED

DEED OF TRUST-ADJUSTABLE Page 12

DEED OF TRUST-ADJUSTABLE Page 13

) VALUE INDICATES THAT THE PARAGRAPH APPLIES.

This SPACE INTENTIONALLY LEFT BLANK; SIGNATURE PAGE FOLLOWS.

DEED OF TRUST-ADJUSTABLE Page 14

(PLEASE SIGN YOUR NAME EXACTLY AS IT APPEARS BELOW) BORROWER(S):

(Seal) PATRICIA )4ARTIN

ATFACH INDIVIDUAL NOTARY ACKNOWLEDGEMENT

[AF1 (2004-03-1)] [ALl (200403-1)]

WORLD SAVINGS BANK, FSB

EXHIBITA LEGAL DESCRIPTION

TAPE ONLY THE LEGAL DESCRIPTION TO THIS PAGE.

July 29, 2005

Title of Document Date of Document

Deed of Trust July 29, 2005 nie

Other signatures not acknowledged

3008 (1/94) (General) First American Title Insurance Company

Office of Thrift Supervision

Department of the Treasury

April 21., 2006

CERTIFICATE OF CORPORATE EXISTENCE

Office of Thrift Supervision

NChO1C X Ai.5Lstwit Rgloiwl Dhecor

Charter No. 7971 Docket No. 12642 CHARTER OF WAdHOVIA MORTGAGEJSB

e 1 Secret ry of the O of Thrift Supervision

Di ctor of the OYfice of Thrift Supervision

Effective Date: December 31, 2007

SECRETARY S CERTIFICATE WACHOVIA MORTGAGE, FSB

1-lope Armstrong Howe Assistant Secretary Wachovia Mortgage, FSB