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JACOB D. BRADBURN, an individual,

Plaintiff

v.

RECONTRUST COMPANY, N.4., a limited-pu{pose national trust bank; FIDELITYNATIONAL TITLE, a corporation;MORTGAGE ELECTRONICREGISTRATION SYSTEMS, [NIC., a foreigncorporation; BAC HOME LOANSSERVICING, LP FKP COUNTRYWIDEBANK HOME LOANS SERVICING LP, Aforeign entity; BANK OF AMERICA, N.4., anational bank; BANK OF AMEzuCAç QRPORATION, a foreign corporation;COTINTRYWIDE FINANCIAL

ration;S,INC., A

ATIONALMORTGAGE ASSOCIATION, a federallychartered corporation, LINDA GREEN DOES1 -1 0, unknown persons; and QUICKDRAWREAL ESTATE SERVICES, INC d/b/A

SUPEzuOR COURT OF WASHINGTON

COTINTY OF SNOHOMISH

THE CIVIL MOTIONS ruOdPHearing Date: September 17,2013

Hearing Time: 9:30 a.m.With Oral Argument

NO. 1I-2-0834s-2

DECLARATION OF' ABRAHAM K.LORBER

LANEPOWELLpc1420 FIFTH AVENUE, SUITE 4IOO

SEATTLE, WASHINGTON 98101-2338206 223 7 000 FAX: 206 223 7 107

corporation; NATIONAL CITY MORTGAGECO. dlbla COMMONWEALTH LTNITEDMORTGAGE COMPANY, a foreigncolporation; STEWART TITLE, a domesticcorporation,

Defendants.

DECLARATION OF ABRAHAM K, LORBER - 1

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Abraham K. Lorber declares and says:

Iamacitizen of the United States of America, am overthe age of 18 years, and am

competent to make this declaration based upon my personal knowledge and to identifu the

exhibits attached hereto. I am an attorney atLane Powell PC, which represents Defendants

ReconTrust company, N.4., Bank of America, N.4., countrywide Home Loans, Inc.,

Mortgage Electronic Registration Systems, Inc., and Federal National Mortgage Association.

1. Attached hereto as Exhibit A is a true and correct copy of the Deed of Trust

recorded on December 21,2005, at the Snohomish County Recorder's Offrce as Document

No. 200512211157 . The Deed of Trust relates to the real property at 4BI9 136th place NE,

Marysville, WA 9827 I (the "property,,).

2. Attached hereto as Exhibit B is a true and correct copy of the Notice ofTrustee's Sale, related to the Property, recorded on July 29,2070, at the Snohomish County

Recorder's Office as Document No. 201007290092.

3. Attached hereto as Exhibit C is a true and correct copy of the Appointment ofSuccessor Trustee, related to the Property, recorded on June I7, 2009, at the Snohomish

County Recorder's Offrce as Document No. 200906170053.

4. Attached hereto as Exhibit D is a true and correct copy of the Corporation

Assignment of Deed of Trust, related to the Property, recorded on March 30, 2010, at the

Snohomish county Recorder's offrce as Document No. 201003300560.

5. Attached hereto as Exhibit E is a true and correct copy of the Notice ofTrustee's Sale, related to the Propefty, recorded on February 17,201I, at the Snohomish

County Recorder's Offrce as Document No. 20II02I703Iï.

6. Attached hereto as Exhibit X' is a true and correct copy of the Corporation

Assignment of Deed of Trust, related to the Property, recorded on June g, 2011 at the

snohomish county Recorder's offrce as Document No. 201106090433.

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DECLARATION OF ABRAHAM K. LORBER-2

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7. Attached hereto as Exhibit G is a true and correct copy of the Trustee's Deed,

related to the Property, recorded on June g,2OIl at the Snohomish County Recorder,s Offrce

as Document No. 201106090434.

7. Attached hereto as Exhibit H are true and correct excerpts from the deposition

of Jacob D. Bradburn, conducted June 1I,2013.

8. On September 6, 2073, I accessed Fannie Mae's website located at

https://wwwfanniemae.com/singlefamilylaftomeys. I then clicked on the link titled ..Single-

Family Guides via AllRegs." Attached hereto as Exhibit I are true and cor¡ect copies ofexcerpts from Fannie Mae's 2011 Single-Family Servicing Guide that I downloaded from the

AllRegs website. These excerpts include:

ç r'202.07.03: Physical possession of Note by the servicer; and

$ Vm, 105: Conduct of Foreclosure proceedings.

I declare under penalty of perjury under the laws of the United States and the State ofWashington that the foregoing is true and correct.

SIGNED this 6th day of September,2013 at

Abraham K. Lorber

DECLARATION OF ABRAI{AM K. LORBER- 3

I 16589.041 l/58090 14. I

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CERTIFICATE OF' SERVICE

I certify that on the date indicated below, I cause the foregoing document to be served

on the following person via email and U.S. Mail.

Scott E. StafneAndrew KrawczykStafne Law Firm239 N. Olympic Ave.Arlington, WA 98223

Stephan T. ToddP.O. Box 13635Mill Creek, WA 98082-1635to ddl awo ffr c e @ c omc ast. netAttorney for Defendant Quickdraw Real Estate Services

I affirm under penalty of perjury under the laws of the State of Washington that the

foregoing is true and correct to the best of my knowledge.

SIGNED September 6,2013 at Seattle, WA.

DECLARATION OF ABRAHAM K. LORBER_4

1 16589.041 l/5809014. I

Attorneys for Plaintiff

Debi WollinLegal assistant to Abraham K. Lorber

Exhibit A

ffirury#Ilry#üIryrywJrillñã31.,úî8flu.8fl i??t\,Î3fl i R8ro'u

r,odn ¡¡irm¡e t, O.ÍLlh5+t.)' .: ." i. nEED OF TRUSTLLU V!2

urc and rruoels)

Ass€ssor's PropeÍyT¡r Parccl(s)orAccouu,xri'trtut+0"'þOãää3'rooo'ooS-OO.r ,.

Rctercnr¡ Numbø(s) fi5srgned or Rele€sod ;t .r"' -i j

g Adóuon¿l rcfercnccs on page ol docur¡in¡ i,"-"" ,r"

Borrower !ruu¿ls

M!./Freddr!Fmtlyn UNIRIRM INSTBUMEIIÍ . MEBS

Abov€ Thls l¡E Fot FÉoordmo DatÊl

PEge t of l8

æ41ttl,

Forrn 3048 l/Ol

nre¡¡t ¿rE dc¡incd below ¿nd oúer words ¿rç dcf ned tn $cuoolrdlng thc usage ol words uscd rn Û¡rr docutttenr arc also pmvtihd

oLul¡Ent, whtsh t\ d¡tËd DECEI4BER' I4r 2005 , togcther

B1'RN A SINGT,E MAN

ln$n¡rtentING

ION oryaruædTONSUITE 2OO À, SNOHOMISH, WÀSHINGTON

E

¿Luug solËly À\ ¿thrs Securlty lns

rahon Syscurs, ln¡, M ERS r\ ,r \Èp¿r¿tc corpor¡lro¡ Ûl¿t ¡s

:r's sr¡cccqcon ¿nd ¿rsrg¡s M ERS ls the benefìcrary under¿rd erusunÈ ufidcr afte l¿wr ¡¡l Dcl¿w¿rt. ¡nd h¡s ¿n ¿ddrcsc

rnd tclephoæ oumlir(Ð "Nolcn ¡nÊ¡osÎ}c Notc.sutes that

srucd bv Bor¡sw¿r ud d¿Ed DECEI4EE't L4. zuu!ler-TfùO' HTNDRED TI¡OUSÀ!{D NINÊ HI¡NDRED

oryaruæd

2OO À, SNOHOMISH, WÀSHINGTON

.i,' ''., Dollare (US $ 200,900 00

tt,

:r:

Borrowc¡ lruu¡ls

FmrucForm 3043 1/Ol

wlragt t62INSTsUMENT . MËRS

Þago 2 ol l8

vСl @dt Eù

.i r.

¡oy lrrlrl\ler of fuldr, odr¿r tlurr ¿ triu\lçlto[ ongrnared bywhu,h ¡r rruçr¿!Èd tJuough ,ur efcrrfl,rllc ternutul, telephotuu

ir"s t0 odcr, ilL\!ru1t, or ¿uttto¡ læ ¿ tìlutrt¿l ttxub¡rtorì to dÈb¡t

but ls not luruæd rrr, gltnt<tf-vtlc tr¿nsÎêrr, ¿utt¡rrt¡cd lellerlephonc. wtre trarrst¿n, ¿nd ¿utr¡nutcd clclrlttglrout uanlfen¿t ¡¡r dÉ\¿nbÉd lt S:ruon 3

çornpÊn(¿bon, \enlgnrÈnt, ¿w¿rd of druugcr, or pruæcdr prrdcccds pard under dre coveag¿r desr,nbcd rn Seltron 5) lot (t)

, (lÐ oo¡denul¡tton or othcr !¿htlg of ¿ll 0r dny p¿n ot t lÇ

ouuuon, or (tv) nl¡rrcprú\Ë¡li¿t¡ons of, or omtsr¡on\ ¿à 10, tlrc

pmtcLturg Lardcragarnrl the norpcytncrlt 0t, ur det¿ult on,

¿rly srhÇdulcd ¿rr0utll due t(ìr (Ð pnlrLlpál {rtd rolclu\l underd¡cof thlb S€LuntY lntrurnutttt¡lcment P¡trÉdurÊ\ Att (12 U S C 1260t cr \eq ) ¿nd r$

C F R Pdn 3500), ar rhcy nu ght bc dlnendËd lrunì runc lo llllc,ægulauon that govcrnr Úr ,trntc ub¡ec¡ lìutrer Äs uscd ¡n tllsI rtqutrcncnlr ¿nd ¡sstncttotlr tl¡¿t ¿re rruçr¡rcd ln rcgard ttt a

e L,o¿J¡ d.rcs rtot qurfrty ar a "h;dcrally related nrcngagc loan'

ns aly pany úrat h¿s t¡h¿n ualc to dre Pnrperty, whelhcr o¡¡t< uudcr úrc Notc ¿lrd/or dlts Srurrty f nrtruncttt

OPERTY

and r.rsrgrc) and thcrcprynnnt ol tha [.oaq and

of Bo¡rowt¡'r LovÊru¡llt ¿úd

Bonower urcvoc¿bly grauos

propeny locatcd rn úæ

COITMTY

A.PN- #¡ Fl¿S-ffi-m-@

Bonorvcr lruu¿ls

Ftrrr Mâa/FroddEFm 3o¡lB 1i0l

oÌI,lERS -Th¡r Se¡.unty lr¡\ul¡nl¿tll.\dLu¡És tn Ltnder (t) thc

0t tlrr Nott, arrd (u) tÌæ purtornutu,e

llstrunrgnr ¿nd ¡hu Nou For tfiu purpose,

trurr, wrrh powtr of sale, ùe lollowtng deænbsd

0f SNOHOMISHLvulì¡L .. . ,a-1fTypc of RrcðrúrB ¡urÉdEltrl ',. ¡r' .r" t lNrutr ol RLto¡'lÃr! Jur¡rdFlþnl

Ð IE¡IIJ IETRISITN ¡IDCÐ lùTM ]$O I'?E'A.FU Tiæ æ Þ{HIEIT lht'À ÞN g. fifr¿qìJrlL(IE-d .,. 'r

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àøê19 r35"wwl doøzgø comINSIRUMENT - MEFS

Paso 3 ol 1ô

vtrd¡E

..r'"ì i.t ..r" .,..' ,'i'-"rr"'"',,".".,.,¡¡.,

MARY$VILI,ElCrtyl

136TH PIJÀCE NEf\'rúl

, Washrn¿un 9827L ("PropeÍy AddrEs$')

lzeccdcl

Junsúguon lo qlfl\t¡n¡tc ¡ uruform \c¿url¡y ln\tn.¡Itrent cowrtng rcal

l' ...'" ....' IoSETHER WITH all thc rmprovcmcnts mw or herc¿l¡er eresed on rhc propeny, ¿rrd sll eaç¡nënç,

"rr'iipqr¡enards,andfixturtsnoworbèufrcrapanotúepropeny Allrcptacentntrrnd¡ddruonssh¿ll alço

¡nsludFlÈ,L¡ndËr r¡u o, rcleasrog aod c,rnccÍng thts Sclunry ltl$rutncnl

lh¿¡ Bo¡owcr r,. tawtully vrsed ol ùu csute hercby convcycd atd has

ùe nghr ¿rd th¡r thc Pmpeny tr unettcunrbcrud, cxccpt for cncu$bfdnúcs

o, ¿ud wll deÈnd gcnerrlly úe utl¿ ¡o drc Prcpcny ågeln$ ¿ll ol¿tÍ$ ¿nd

demands, of rer¡ldTHIS Lornb¡fEs unrlonn çoveD¿tüs tor tuuon¿l u-(c 81¡d n,n-ünltornì

LOVeruns

PmPcfty

UNIFOBM ¡rd L¿rder c-ovcfunr ¿od ¿grec ¿s rollow\I. Escrun lteus, Prepayment Chnrgts, nnd l,¡te ChargBr

Br¡rnrwrr rhall pay whiì'dt¡erdit PoÈrP4l ot,pgÈrpal ot, ¿rìd rn(crc\¡ on, d¡c debt w¡dtrx¡d by dlc Noæ ¿nd dlry

prtsp¿yrent gb¿rscù d¡ Br¡¡rowu¡ ¡h¿l

püniucrt t0 Sçc¡!01t 3 thtt Selunty

rurrÈrlcy However, I vcd bY l¡lúer

tlrts secunty ltr'tuunte-nt <rr pertormng thc covcr¡¿ntt ¿nd'+ËrccrnqplÈåç4ÏìÊu 'by tb¡'r serun¡y hLrlrul¡ctlt

/L ,t' ,,"'-\ 'i

FamrlY,o UNI'FOFM INETñUMENT - MEBS

Plgt ¡l of I 6

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d* Err,ept ar r¡tt¡err¡¡*c des¡,nbed ul úrs SecFon 2. 8ll

ll bc rpplcd tu rlrc lolktwrng order of pno¡ty (¿) rnerrs! duc

Note, (c) ¿nÍ)uns duc ulldcr SÇIlon 3 Sl;ch prynuns shell be

rder ln whßh tt beunte dut Any rËlìùtlrurlE ¿mouns sl¡¿ll bc

oÚter ¡tnoun¡r duc undcr Úrtr Secunty lñlrulncr¡¡, ¿¡d úcn r¡¡

orrowcf tor a deltrquortt Pcnodtc Paytrcttt whrch tnglude-s ¿

, tlrc pa¡rcor uay bc ,rpphcd ur ûc dchrrqucnt payntru rnd ùenl r$ outsurdr¡rg, l¿rdcr rllay apply anyprymcnt raætvcd tmutymunts tt, ¿nd m dlÉ Ëx(Ët[ üut, cnh pryntcnt crn Þ pud tn

ftcr the payment r agpÌed o fhe tull p¿y¡uÈot of onc or lnorÊ

hêd rû ¿ny l¿lÈ c.haryËs duc Voluntåry prtpdynEnDs slEll bc

ùrct¡ ar dcscnbed tn útc Notcprorerúg, ur MtçclldlÉ{¡uq Protetd$ to pnnttpal duo undcr

uÉ dÁtcr oÍ chcngc alrg ¿rtütunt, <ll d¡e Perlrdrr. P¿ylncíts

wcr slull pay a¡¡ LËildcr 0n rh¿ d¿y Pcnodtc PryrnnÌs ¿re due

ll, r suur (ûrè "FundrJ l() pfi)vldg lor payttunl of alr¡ounlr rhcwhlch cln anatn pnor¡ty ovcr tjtrs scunty !tntrulrrot as a len

of ËtrLumbra und ¡ct¡ts on ùÈ PmPËrty, lt ¿ny, (s)

prÇtntuols lo É{.lrrtr¡ 5' ard (d) Mortgage lnsurancc

iænrruns, ¡f tlt dt¿ p¿ynrnt ol M0n8å8e lßurdrreprenllunls lU ¿C¿orytrqê wlll,rte;?rovr'so¡S otor ùc¿uorr ru !n9!Ë ¡lerttr ¿ft c¿llcd "Eçmw l¡cms " At

rhc l¡¿n, lcrder may rÊqu1rÈ rhar Connnuruty Asoct¿Î¡o¡tongur¿non or ¿t a¡fo uinc.{unigOues, fees, tnd A.s$¡snndts, rt¡riy, É åtmwcó by Bonor,wr, ¿lrd suçh ducs, tcç ¿nd ¿rpStm¡*s sh¿ll

bc ¿n Ecgrow t6m ùmÈp$i¡l.p¿'¡redy turmÉr r{r Lcrder ¿ll dorts€\ ot ¿n¡ounl\ to bc p¿ld un¡ter ûsSetnon Borrowcrsb¿Il for E*mw Ile tns unl*r L¿lrdcr w¿tvsr gormwer's obllSàuon

ro p¿y ú¡Ë Funds for tårdcr ruay w¿rvc &rrrowcr'ß obh¡¡alron to pry lo l-cndcr

Fundiforanytrrall AilyS¡chwalvcrnLlyorfybelÍ\{nþn{ lnûcevetltolsuch watvcr, Borrow ¿rrd,'*hìw p¿y¿blc, th¿ al¡nuns due.lo^r roy Ercrow ltcttts

1o¡ whrch payrucnt of Furrds h¡s borrt ad, rt Lu¡der ruqurrcr, shrll funuslr to l.c¡dcr

*.rps r"idir",og uch paymeulyrOn¡r:llriiüc ppti'c,¿ ¿\ lr¡dËr ruy requtrc Bormwr's obltgalron to

nuki stch paymcus ¿nd to orovrdë¡c¡Èin¡dshc[-lôi ¿ll pumús¿s be detlricd to bt . govclun¡ ånd ¿grËefiËnt

r,or¡¡¿rrçd rn thts Sccq ' tr urcd tn Scuon 9 ltBorrowcr rs obltgated Borrowc¡ J¿ls K pry rlÈ

¿nìourr( duc lor ¿n Esç ¿nd pay \ur,h a¡nount ¡¡d

BorruìvËr t^o"a /1/n "--

--:e.JÆt362ctñ

FsnnrË lillo/FrcdForm 30¡18 l/01

INETF¡,'ÙENT. MESSPego E ol 16

W.bl¡ ú J @

h¿rgc Borruwcr for h(lldrng urd applyrng the Fundt, lrnrullyrc Escruw lton¡r, unlçss Lrnder pys Born¡r¡¡s¡ lnærç$ on thcnulË sur¡ ¿ çlurgË Ur¡lcs\ ¡n,¡grr¿ttt¿lt¡ ¡¡ ntÆe tn wnttllg

rd on úc Funds, L¿¡rdcr shull no! bu röqured ro F¿y Borrlwerer¡nd l¿td¿rc¿n ¿grec rn wrttttlg, howcvel, ûuc rnæ¡en sh¿ll

Bo¡mwcr, wrtl¡ou¡ ch¿rgc, ¡¡r ¡ru¡u¿l ¿Çcounilng of fbê Fun¿\

n cr¡,totv, as d¿fincd undcr RESPA, Lc¡¡d¿r dull ¿lcount t0wrù R.ESPA lt rhere rs ¿ shol ugç 0l Fu¡¡¿\ hcld rn esçrow,Brrmrwr l rcqurred by RESPA, and Rrmlrycr shall pay ut

drorugc ru ¡r,cord¿rßc wrth RESPA, bu¡ rn no morE rh¿n l2t Pulds hcld rn e¡cfirw, ¿s düî¡n€d undcr RESPA, Lerd* nh¿ll

Bo¡mwur slull pay ul Lsùd€r dle,r¡rÍtuttt nÊrdb$lry to nì8kÊ uP

Bor¡ower sb¿ll pry lll tax6 ¿\\c\'rnÈrtlt, chrrgo, tittas, llú tmposruotrtirc wluch can acln pnonty ovef ú¡r{ SË¿unry [ts¡ru¡lrcnt, le¡rehold p¿!¡rpnLs ol

gnrund rcns QuÉthe

thc cxten¡ ú¿fþ¿¡¡¡wcli

Bor¡ower (¿)

to lËnder, bütby, or detcnd.s

wlh agrwment, þ) utnertr tìc hert tn good fatthiiren rn, legrl pnx.ædrngs wh¡ch lu Þndcr'r optûron opÊrâß to

Pfëvent úe ùosc pror,rædrrpr arc pcndtng, but only unul nr:tr procceótngs arc

cour,lsded, ot (c) \¿curçs frdnr tl¡dIren fo rhs Seclnty lnsrn¡itr¡¡¡/ ft

Irerr an agrcðrrent \¿ul¿¿lrrry lo Lrnder suhtrdtnaung dtc

drar any pan ot rlrc Pntpeny rr rub¡ecl to ¿ llcn wt¡rlhL¿rì ¡¡!ørn pnonty ovur ûrrSSæüntyL¿D ¡¡rørn pnonry ovur rlussæirnry ln¡.uúmcnl, L¿rdFf nuy grve Bonowr a txrucu tdclntytng úe ltcllWlrhl n l0 d¿ys of th¿ d¿rc on *hnft1{qtìbucq rs glyéhi,&r¡ ¡ower rh¿ll s¿¡sly ùe hett or uke one or n¡{tn

iBorrowcr I¡ut¡¿ls

FânnþForm 3O48 1/01

wrúaæmINSTRUMENT. MEES

PrgeEof lE

v¡$¡l ú ó 6

''.r.." .,.""";

(l

j.i!l

¡tl.J

i"tr. - .,.'r"..,,'ì, ll Bormwer l¿tls þ nu¡nu¡t¡ rny of drc ulvtr¿le\ d¿rrnbcd .rbove, Lendcr ttl¿y oba.rr¡¡ tnsurdnLe

altd Bomower't expeo.se L¿lder ¡t und¿r rp ubltgruon lo purthasc any

!, vÈr4gc Tt¡crrtore, surh roverrgt slull cover Lender, but mrght or nught mt's eq¡¡ty mrltc Property, or thc uontrfi,sol ûç Propcny, agarrrs any n$k, herard

'r.*.,."' .,,."br l¡d.bllrry ald mrght provrde grafier or le$rcr covcragc û¿r w¿r prwrously rn cttcct Bormwsr

i¡ .-quer ur

". Âll.

], 'iBormwcr lruu¿ls

FEnnIFo.m 3O¡0 | /Ol

INSTRUMENT. MERSPeO.7 ol 16

¡ffi4' ts02wwdqmtgoem

W¡lHd7E

!ii 1.-.,..''\.

_,,..'' ..,otùerwne ¿gfeÊs m wnting, whrsh øn$nt sh¿ll not be unrË¿sorubty wrthhcld, or unlñs cxlerìu¿tf0g'''.,,,...,,,, 'r ,.," cqËurnrunces ertst tlhrch åæ beyond BorowË¡'r so¡ml

''''"r t Þ.dæ'rf ññ Mâlñr.nãñÉ oill D.ñrdlÃi ñ? ah' Þ6rrv f nsdr¡nc BnffiúPl \h¡ll fftl1. Præervadon, MnlntÊnanæ sud Prohct¡oo ol thl Fopenyr Inspßstlons' Borrowcl $h{ll fil¡.""',,-'þ*,.j,*r*Ëàrrnor'rüeProprûy,¿llowùcPoprrrytode¡enor¿tco¡Lornrnrtw¿\r¿ondrePropürry''.,...r"' .,."1ilhç$cr or not Bonowcr rs rÊsrûn! rri úc Propcny, &¡rrowcr \h¡ll nìarnü¡rn dre Pn¡pcrty r¡ order lo

:- ,."þyr$ium ro $glon 5 ther reparr r)r Ësþrdt¡on rh not ccou(,rnrtally tcartblc, &trrowcr shdll pron¡Prly rtp¿tt''r''' ,tì¡c Pra¡uv if d¡nuted to ¿vo¡d lufl}¡cr do¡cflof¿oon 0r d¿ln¿f Ë lt rnrur¿¡x,c or sondernlutrotl proccËd.\

¿¡d rcstor¡t¡on tn ä f¡tulc p¿yu¡Èltt (¡r ltl ¿ \tneà ol pfogrÈ\l F¿ymcnb d.ç

us¡r¿¡r¿ or co¡dcmn¿frofi Pmrocds ¿fE llot \utf¡ocnt t¡' fcfratr or ¡ectorc tllcof Eonoryer'$obl¡gdgou tÚ1 rhc 0ornpþtton ot suth ßp¿lr orÈstorËll0n

tlrehopertynnd Rrgùls Undr this Security Insrrunent1l (a) Bormwer fuls ¿grccnlcn¡\ Lonl¿nud ru thr.r Sclunty lnsrunr¡t, (b) therc

rs r legal praccedtngSocunty h$rutrnt

attect L¿ndcr's rntçres! tn drc Propcrîy ¿tld/ol íghls under ù¡sbrnkruptoy, prob¿tc, tor t{t[demtr¿uon rrr loflelurg, lor

PropcÊt,

entorcement of É llcnregulauors), or (s) Eonorv¿i tas

pnonty over ùt\ Scruñly fllstru¡r¡ent ot ro cnlolr€ l¿ws ord ihe Pmp.cny, ù¡cn Lcndcr rruy do arrd pay tor wlutever ts

hriÈ rnrcrtr.l rn rhc Pmpcny ¿nd rl¡hn u¡tdc¡ tltts Serunty

¡drc v4¡¡c ol ¡hË PmpÊrty, ¿lld <ecunllg and/or nparnngtl8 drly $ull\\ sccued bY a IIenll8 dfiy $ull\\ sggufÈo Dy ¿ llen

c) P¿Yl ry rç¿Soruble amrnrYr'\m¡fncnt, lnLlud¡og lts scourcdrt nof h¡n¡led o, erucnng ûtc

ú¡ws, dr¿rn w¿lcr trom plPcs,

Botrowèr llluuaß 4ff¿_ i' i' Í.

INSTRUÍITENT . MEFSPtO6Sqf l6

ffiæ ttaz', wv docìtgfi asm

9üdlE

Ër rëqülrËd Mort¡r¡r fßur4u,c ds ¿ r¡tndtl¡0n of lluk¡ng Ùcred (o tI¿¡nurn drc Moñ¡.r8È llltuf¿nLc rn cf tccr lt. lor:tty

rrcd by lænderceas¿sro b¿ ¿v¡tl¿ble trout the trungagc tnsurer

Bonower wrs rcqutred ¡o nule scp¡r¿Ely destgruted P¡ytncnLre, Bomlwcr shall pay úc pætuums rcqutrud o obutn covcrageur¡ncc prcvtously rn etlclt, ¿t d tosl subsønl¡¿lly Ëqulvafellt l0

nurc prcvrously ln ettEr,l hom an ¿lærn¿rc nEtng¿gc ]¡LsufÊf

N Moñt¿¡? lll\uf¿lrcùovcr¿gc ls llor ¿v¿ll¿blc, BorûwÊr {ullp¿r¿tcly drù¡¡¡ütdg¿ynEnLs û¿t wcrE duc whert lhe losurå¡Es

I ¿øcp(, uùc åfd rçaln ùese p¿yn¡ents ¿s ¿ trnlr-refu¡d¿ble locç

h loss rcrc¡vc sh¡ll bc mu-rcfür¡d¿ble, notwtd¡c¿ndtng drc üæt

l¿¡dcr \h¿ll ¡ìol bc rcqurrqd ro pay Bonowcr ¡ny lnf¿rt\l 0r

to nukc reparatcly destgru¡èd p¿yÍËntr tnw¿rd Ú¡e prctruuûra lor MQn8r8Ë

ttre ptenttutns regu¡rcd m m¡nu¡n Mongage ltlvleruc rn ctfecl, or to pmvrde

I¿odcr's rEqurrËDìcn¡ for Mongagc ltlrur¿¡re ends ¡tt ¿cord¿rc wlhand lænder pmvrdlng tor suçh fËmx|uÈton 0r untll tcnrunåt¡lìn ls

rn th¡s Srt¡on 10 atter,s Bonowcr's obllgauon lo P¿y tDtèfçÁt ¿t ùt

any ennry that punhdsË\ dlo N0¡c) tor Lcfi¿lrt losç$ lt l¡uyÛfi lÀi'æ ¿CrÈd Borrowcr r\ ilot ¿ p¿ßy to ttre Mongrge lurur¿næ

the¡Ciorcl nrl on ¿ll suüh t[cur¿ßrÊ ttl forLg trollt ùnr kr une, and nuy¡rrcur rl Bonowcr

Mongage

BoÍower lÍ!fråLsmg9 tJ62

@ûFâmrôFffi:

INSTFUMENT. IIIEßSF¡sa 9 ol 16

lnsuraruc,r nrn-rrfurdaþlê¿ny wntcnrcqurred by

ÈDtË¡ rnr, ¿gruuncna d&¡luro or rnndrty therr nsk, or reduçc lorrer These agrctntenlr

W.J0¡l M 9 6!

rg5torÀtloD rn ¿ gngledubufseûì€filOf t¡¿ genë\ Ot pruËrÈ\\ F¡ymenls ¿\ thc work tSConlPlc¡ed

Þ Boûowcr Such M¡t¿

rucl¡on, (,t kris tn v¿luu o

dus Sccunry I rlsrn¡mcnt,

Bomrwsr f¡ut¡¿ls

åt¡ùTË¿rEût 15 nude tÍwrüngorApdt1¿bls [åw rËqutç.\ tn!Ërvs] u] bc patd orl such M¡v¡ll¿neous

1r1 Ltder Sh¿¡l ma bc rcqu¡rtd ¡p pay Bormwcr dny llltËrcsl lrr e¿mrngs on àuch Mr.sc¿lhfã)us

tl.fùc rego4uon or rcpur ls rnt crorElnuc¿lly k¿r¡blc or Lc¡tds¡'r scclnty rrould bc lessencd,

qfteoü5.Piôcihts dult bc ¿¡phcd o theruî¡s cã,ud by úrrr Secunry lr¡st¡l¡urettl, vlErhcf of ¡r)t

æ,49 ItAzww'@ffiF9ffiFrnnË

Form ¡INSTNUMENI .ùERs

Pogo l0of l0

W¡frdl0E

Í¡oce Ey Lender Nol a l¡Yetve¡. Exrcnçton of úc uffs lortlp su¡ns ser,u¡cd by tlrrs Secunry l¡ñruÈern grantsd by lærderBonowcr ch¿ll not operdæ to rcle*cÊ ùe h¿b¡l¡ly ol Bormwcrl¡¡del rh¿ll loa bc requrrÊd to conunc¡¡LË pro(cedttgs sgdtnâl

'\ ..'' .r.'.''

.., ,.1,

¿ny SuLLe\\or lll ln¡eresrot B)rlo$'gr who ¿.ssuntes Borrowcr'1

ln wn¡¡nB, and rs approvcd by l-ender, sh¿ll obutn all otbq ælcgsed tmntbq ælcgsed tmntto such rcle¿q¿ tnf0vld lD Sec4on

n corulegtton wlihBonowcr's def¿ult, tor theturpq$fotflùtçctlng Lcnder's rntcrËsl rtt the Pmpemy and nghlr under tfus

Seúurtry Instruúcot, rncludrng,tiu¡,qpi.lrruæd to, anonrcyr' fees, pmpcny lll\pecurrn dnd v¡luatlon tees

convcy ûc corguel's ltltôtcst t¡ ¡h¿ Ptoptrty under tle æltLc ol útsto pay ùrc sunrs serurcd by tltrs Serunry hLstn¡meflq ¿nd

(c) ¿g¡ee¡ ioùor Borrowcr Lau ¿¡ræ t{r cxtÉrd, modtfy, forÕe¿r or makc arty

üc Ers$ ot thrs Serurtty lnstrulncllt 0r d¡e Notc wtlhou! the ur-ngoer'sconwt i..."

Borrowcr's def¿ult, lor thç+urpqrtí ot#ùtcct!¡lg Lcnder's

f n rc3¡rd to any oüer fæs,"th'i..Ëioib òI S"ph" authonty rn tlttr Sæunty lnrtomerl to clurge a specrfic

tÊr to Bororvø sh¿¡t oo! bc c4îut¡¡cd $t'þrolirbrurrn ih tlc chargrrrg ot such tet l¡nder m¿y not chrrge

fees thrt rrc cxpressly probrbrqd Éy.ÈÌs or by Applrcablc Law

charge to ¡he pcflncd trrut, end (b)

bc æ¡ted ¿s ¿ p¡rt!ål prepÀymsdt wùout ¿ny (lvbcthcr or uot ¿ ptÊp¡ymrnt charge ts

pnlvded fo¡ under ùe Notc) Borowcr's returd uude by dtrcct p¿ymeDt to

lruve art.tng our ol such ovetchargcBoûower wrll Lou.lorue a watvcr of any nghtr,er wtl] LotrstrtuÉ ¿ w¿lvcr of any nghr ovtt¡ól5 Notlcts Alt nooæs glen by BorròWsr

htvc been grven ró Bonôrcr wh¿n m¿rlod Oy fint cl¡i*çüÅit,ofwtren ,i'ru"tty deÌvered ¡o Borrowe¡'s nouce

Bornrwer luru¿ls

FsnnrE MEê/Fr.ddÉFm3046 1/Ol

IN9TRUMENT - MERSP{all ot16

ilrLlude¿lly ¿c¡t(lI

l7l¡¡.rtrument

tE."lnærest lr rhc

vrlsly thc sorlÈspolldrng rÉqur¡Enìrnl undrr thlr Su,unty ln{ru¡lrnt...16r, Çoverrng Lew; Severablllfy, Rulæ of Constructhn Thn Securrty l¡¡s¡umcnt sh¿ll bü

iq rhis Scrunty ln¡uufiËrn d]Ë s¡b1clt to dny ßqurrcmcntr ¡nd h¡nrtrt¡ons ofl-aw nght cxglrrrtly or rrphcrrly atl0w ülË p¿nt$ lo sgrÊu Þy r00tr4!t 0¡ tt

Ct¿ll ¡¡ot be ønstn¡ed as a pmhrbrtron ag¿rr¡\t ¡grcctncnl by co[trær ¡n

rlause of ûls Scr,uaty lrt\uü.rtrcru or dre Note u)rttìlLL\ tt rtfi Appltabla Law,prevl$orß ol üus &currry hl¡trulunt o¡ ¡Jre Notc whtlr cru be gtwn

'ÞmYrsrongy..lrrsuuluent (a) words ot rhe nucLuhoË gurrdcr *ull nv¿n ¿rÉ trr,li¡de

the ftoqky or.ti lntecsl r¡ Borrower Ar urod rn ths Secuon t8,rnerest rn ûre Prrpcrty, rt¡oludrfig, but not l¡m¡æd

sxperuçs rncurrcd rnenlorr,tng ùrts Secunty ltrtrunenl, ul rÉ)t ¡nrlr¡d ¡o, re¿ronâble auonpysllor¡'tttru purgrsc oi prûFcnng kûdsr'rlee\, propeny ¡lspecqon crd vs¡u¿lon fecs, ¿nd oúEr purgrsc oi proæcnng kûdsr's

¡0, those bêrcficr¿l bot¡d lor detd' corurdtl hrr dccd, tnq¡l¡tltcnl .iÉt€"q rol¡rdct 0tê\cruw ¿gfÊcúrrnt, úc- rmcnt thÈ l¡¿I|-\fer of trtlÈ by B{rt mwrr ,rt ¡ lutuN d¿tê to ,t puch¿îgr

ll all orary part ot hrterqst rn ttrc Prupcr ty rs \rrld or tHll\ftrr€d (or It Bonower

ts trot ¿ ru$¡n[ persorr unü.e rn Bonower lr sotd nr ¡¡¿tlrlcnÈd) wtthout lrrdcr's pnorrn tull of ¿ll rutns rcr,urcd by tltts Sccurtlyby trrtdrr rl s&h È¡(cÉt\e t\ prohtbtted hy

gnrvrde a penod of mt less than rc'd¿rc ú¿ utuLë r\ grvÉrr ur ur¿ord¡ln(¡ wtth Secuon l5by llus &cu4u lllrtrutttettt f t Bormwcr t¿Ils u, p¿y thc(ewttlil r¡ whtch Borowcr mrst Þ¡Y rl\Îruilreilt f t Bormwcr t¿Ils U, p¿y thC(e

qurnq Pnof to ùr SxPrflron of ù¡rr Glrtd¡c\ pcruutud by lhrr &cuntylnsrnmrec w¡lbou! tuthcr trol¡se or

Ut Borr¡rwcr rnceL\ Lert¿tn c¡ndluotll,lrrþrurncut drvttnglud üt ¿ny tlmË pnof

ilent wrlDoul turl¡tcr trouse of alËm¿¡E on öot9, Bomwcr'¡ Rlghl ro Rdm¡te Afler

Bonower shell h¿w ùc nght to havc elforccmcrlldf lhl\to ûe æ¡hest of (a) ñvc dryr b¿lorc s¿lc ot Jbþ ur ¡rry powcr ol r¡le conutncd ln thts

$curty lositrumen¡" (b) $rch othËr pcnod krr ùte Gr û[ru¡¡on of Borro\¡¡er'(

flght to rcrrsu¡e, or (s) crlry ol ¿ Jüd8olr¡lr lftyruillËltt Th{}\d Loßdrttor¡s dÈ tllrlBonowr (a) pays Lcder all,su¡îs wh¡ch then ú'o¡ld be I Securrty lnqtruntenl ¿rd úrc Noæ

¿\ rl ¡¡o dcLcler¿uon h¿d ocsußcd, (b) cuær any ordgrÊemenl5, (c) p¿y¡ ¿ll

rn¡ëlËst rn úe Propcity ,rnd nghts undEr ¡l¡ls Socunty acuon as l.eldcr ruyrusorubly rcqurre m aszure th¿t l¡ndËf's tû(çra\t rn th s Se+unty lrsrrumcnt,

nlEorfowe¡ lrug¿ls

FannsForm 3O48 1/O

INSTFUMENT - MERSPrcc l2 of le

wüdt2E

..' :j' ...i ..

ured by tlr\ Scçutl¡y ln,'ûl¡uleDt, \lt¿ll Lot¡llnue utrchrngtdr¡¡îlåEßwnt \ut]l1 dtd cxpeü$s tn otË or n0re of üe toll0wiltgot¡ey orÚÈ¡, (r,) gcroficd thüLk, b¿lû Lhecl, ¡reasurer's cheçk

rs dowtt upirtt ¿rì tr\trtut(|n who.c dcposrts rrc truuæd by aor (d) Elcú¡rurut Fu¡rd.s Tr¿¡utcr Upon retrutaæment byhgøuonr returcd hereby slull renutn lully cttÊLllve ¿s ¡t lloth¡ þ rctn\uË slËll nrx apply ¡n the c¿ç of ¿cçelcf¿non undcr

Scrriccr¡ Not¡cc of Gnevaoce Ths Nu¡c or ¿ parttal trucrartnlélll) c¿tl b¿ cúld onc of nþ¡Ë ¡llllci\ wtÙtour pnor mucc !r

üe euory (lrulwn rs ùe "Lo¿lt Srvlc¡r") that collætt Ponodtcunty ln\]runtÉt¡t ¿ttd pcrlornl\ t¡ùcr rtu¡n!¿ge loatt sewtotttg

rrrcnt, and Applrøblc l¡w Tltcrc ¿h0 nttghl b€ onc ot ntorursle of drc Note lt llteÍÈ t\ d cbrngc of tho Loan Servtcc¡,

rbangc whrch wttl st¿Þ lìË ru¡ne ¿rrd ¿ddre\s ol ûe new l¡¿nould be nude ûnd ¿0y oùÈl rntorr¡l¿lloll RESPA requrru ln

rndrvrdual htrgantoi thqiuernffi ofa clap) thlt anrcr fnrnr the oúrer pany'\.rc(rorN Put \u¿nt to.tìrs SËçunly

lnsrruncot ur rh¿t a[tegér.t$r úoöü¡or.¡iigry,h* bnachcd ,ny provrson t)f , or dtty duty owËd by reason ot,

fhls ScLun¡y l¡ìÃtn¡¡rhrir, unbl suçh'Boripr.ücr o¡ L¡¡rder h¿r rnufied thc oürer pat ty (wrth \uch notrLe ttvcllI 5) ot such alteged b¡t¿h ¡rd ¿tkrrded dtt ulhÊr pÀny hÊrtlo

¿ re*on¡ble pcnod afærilme pcnod whrch mus!¡e¿souble tor purpo*s

to r¿¡r urrrËLuvc ¿ctroll 11 Apphublc Law proud* a

c¿n br u¡kcn, th¿t uùE pcnrú wtlt b¿ dærned ¡o bc

uoo(, ol ¡scplcrauon ¿ltd opportuu¡y to cur€ g¡vÊn lo

ro Bonowerpurñurl¡þ Setuolt l8 slull&rnouer pursunt þ Strtron 2¿ ¿nûfrcbc dccmi to sausty tJre nouté4nå.opf lÌc g0rerlrvë ¿r,¡ron Pmvt\Kltls ol rlrt Secuoo 20

tþrd'secuon 2l (a) "Hrz:rdour Sub$urres" ¿¡e úo'csubst¿¡Lcs dcfincd Lt lorrL orlollowrng subsønc* È¡r.\0ltnÊl pcmlgunt pmduL{.\, tox¡g pesucrdes ¡nd

¡Ér¡Èdr¿t ¿Éton, or rutt¡oval acuon, ¿s defiæd ¡n .i,rnd (d) arr "Envrnlttnnnu¡ Coodtuoll"

r¡re¿rtS ¿ cpud¡Uon th¿t C¿n c.¿uæ contnburc 9;'õr rlþíwr.c,tïrggqt an Envtro:urtnql Oeanup

BorrOwcr shall ¡ìot¿dûsc ol penîJt thD Éqrscn(,fr tÀ:S¡'ãlÐq*jl, rtotagc, or rolcarc ol Uny Harardogs

S¡bs¿oces, o¡ thrsalerr to rrlea$ any Hrrardou{.$ubsiltÌoes, o.l¡úr rn rlc PropeÍy Borowcr th¿ll qol d0'

rn¡ ¿llow a¡yonc ctse to do, anyrhrng rfrecuug Ù,ç PtþX,Ìry t¡¡ vrol¿tror¡ ot any Ef¡vtronllrnul

lllsTBU]i¡lErúT - MEREPû'go 13 oa I 6

Law, (b) wfuch crtarcs ¿n Envt¡on¡ucüsl Cord¡tnn;'[r{i,),rqiucn, duË'ço Úre prurË¡&Ë, ust, or rÊlc€.ç ol ¿

H¿z¿rdoN Subscrle, sc¿tx¿ sond¡uon thutadven+ly,rfþ Tlle precldjng rwool Ha:ardous)¿tntco¿nre of0l Ha:afgous)¿tntco¿nre of

W.gl ø l: rd

rlght to bdng å'co_rÉr. uSOiTo *l

lncludhg, büt nor l¡mit¿ttf Lr¡dcr invokcs ü ershrll ¡rve wnltcí rrot¡c€ lo Trostec of lh? occuûÊnce

lo..É*bÊ lhe hopeft.v lo be sold Truslee nnd L¿uderd'nd sþll give such lolrccf lo Borrower ¡nd to olher

d to c¡¡¡t lht defaultr (r) a dale, Eol lcsc fhllí 3ll dâts fbom thcþy vhrch tìe (þf¡ull musl l¡c curd¡ ¡¡d (d) tbrt fallurr lo cure

dstê spçr¡f¡ed h fhe oot¡cc rftiy r€sljlt ln nccde¡ntlor of tbe sunrs secu¡rdgla of tte hopcny n( publlc ,rucllon nt a df,tc not lÊ¡s thân 120 dîys

Borower of lhe ngbl lo ttrtstete aflet acceleretron, thc

punruurg ale rtÍid¡er provlded h ths Secton 22,fcæ n¡d cosls of till¿ er¡dc¡cc

of in evcnl of del¡olt ardshnll t¡le zuch actiorpersoos âs Applir¡ble t¿w tlme requlred bv Applcable Lnw ând nflerp{blrcatron o f tbe ool¡cc of grle, on Borro$cf, sbr¡tl scfl lhe Propertyrt publr

orden (n) to ell expensrs o? the sate, hclu6¡èr,öut b'O'itt"ifsd'to, i!âson¡ble Tnsteers Fnd nltorneysifns, O) to all sums secured by thts Secu¡-lty ercess to lhÊ pÊrson or Fersorls

¡n wh¡ch the sale took ptrct.þgnlly ent¡t¡Gd to ¡t or to lhe c¡sL ol tle23, R€co¡veysncÊ Upon pcyment üf ¿ll ¡unn Secuttty Lumrmcil, LËndef \h¿ll

rcqucst Tn¡srÊêto rçsonvey úË Plopcrty ¿tÉ sh¿ll ,rrd rl I noter evrderu,tttgdcbt sæurcd by ùls Scrunry hstn¡mcn! o Tru.s¡ee

Eonower fruu¿ls

æ&9 tü2Funp INETFIJMENT. MËRS

Pego 14 cl l€Porm 304ô

lha

W.EdLÉo

t $¡rh pÈrqlll or pcl\on\ slrall pay ary ru-ordatlon coss and

üyênæ wtth Appf tcrblE [.rw, L¿rdcr ouy lfom ttme to umt¿6tlnthercundçr whrr l¡¡r çe¡qd (tl ¿ct Wttllout convcyantc of thc

to ¿ll ùu utlc, ptwer tnd duner urnfcrred upon Trusce tercrn

rs uot uucd pnru..rpally br,rgncultural purposc$

bg cnutled to ËLovet tts rÈ¿\otublc ¿comcï\' lcc8 and cosls lûß¡ ¡ny Þ¡n of thtr Sccunty [n\trunEnl The leml "ettonrcys'mgIn, shåll lltcludc wttllout htrrlþtloll dlfo'fltys' tccs lnLurrcd

on ¿PPc¿l

COMMITMENTS TO LOAN MONEY' EXTEIIDM ENFORCING REPAVMENT OF A DEBT ARTSHINCTON I,J|W.

ccpls lrrd dgrËo\ lo tlu tcftltr dlld covËrldllç c¡rnulncd u ùtstcd þ Bonowcr and rt{'ordcd wltlr tt

." .¡" ': ¡

'-; È. .at -/ r:#it$¡tt (se¿r)

-bd,tiowsr

'-"fl'11

-BoÍowÈr

to+6a tt62,, |r-w¿æãqÊêñ

J ¿""'r ij.r'.i j

INSTFUMENÏ. MEBS i '',.\Pt0c lE ol 16 "' ì

vr¡al ÉC lS h

lþømlrtr vz>l

Nrrury Pubhc ro ¿¡¡d lor tlç sue of ìffasl¡¡ngon'

.ñrdrns¿t füWf/U

l-isa Þ't' tf{lnnio

(Sc¿t).,ì!

INSTRUMENT - MEñSPrgel6oll6

My c.mrmq$on e"pos Ç UY'O 1

ø 849 |tgzwwv¿úNgæø

,,""' ..:t

.,.j'LlsA'M. WtNNtE

W.¡{ ø ló ld

tOüf-faS MEADOryS D¡vISION 3, accordlrg to the platthereof reærded n Volume'17 and PtaE,

Exhibit B

ELECTRONICALLY RECORDED

201@729OOE2 5O7l29l2O1O 09:43 ÀM 66.00

sNoHoMtsH couNw, WASHINGToN

HIF

.'.:.-,""""""".'. Notlc. of Truef¡t¡ S¡b'r ll0{lGl Of I rutlnã Ðüt''R¡iåuanrtóìtheþucedcooe of washlngilon e1,24,ot 3eq.

Corrthouro, Sooo Roc

, Sffi of Wa¡ttirEbn,Þonomr) wlll sel at plbllortirtg d€Bcdbtd rael

Tot Paroel lD no.:

IOT 5 SOULTES MEADOWS

and Þcd bild<ler, Pa}abl€impoaed by trc filabe to potect fts lendø and¡nd b¡¡t Hdder. osnable et ümâ of cale. ürEcala, dre

cogffioc) of Sndhomlsh,sbtE of Wathingbn:

TO THE PI.ATTHEREOF RECORDED

brof MoRfgAGEbcneflchl htdtst ln which

INC. b BAC FK'MELP, urdoran

lN VOLUME 47 Al'¡D P|¡TSWASHINGTON. SÍTUATE IN THE

Commmly Knonn as:4819 f 3ûTH PI-ACE N¡

_, recortc of Smhomþh County, Wæhingúongranbr, to FIDELÍTYTIÍLE, asTruttee, to sas¡re añELECTRONIC REGIfïTRATION SYSTEMS, INC., ærme assþned byMORfGAGE ELECTRONIC REGISTLOANS SERVICING, LP FKA COUNTRYWIDE HOTÆAsrþnment/Sucæeelvc Ascþrrmenb rcoorded unde¡ Audltot'e

ISH COUNTY,lNOTOl,l.

^ Itq:!!,

¡

..1

of üro obl¡gÊdon lñ arry cóuil by reacon ú h6 Grentofs or Bofiotffi¡o ilebultsðtufôd byfio Dê€d dTru8t

.,..! .f .,,.lt,*qttthtyPâyfn ñtr

Oüér potørthldefauldgfen¡lb must elso be

923,?57.6r$fi0.80t92.00

(11,220.¡t{¡}

$0.00

¡2r.7r3.9ú

$æz.oot962.00Elo.s8s0.00s0.00

9100.00

rllt¡xc¡ ¡ndOTHEROEFAULTÌ.lon payment of Taxes/&sæåmenb

Defautt under any eenbr flen

Faturs to ¡nsuro propêrtyaga¡nst hazad

Wâslo

,.,-'Í pêtfyür$ brsoldtosdsryüËcxpcrrcof thessle endtheoblþntlon

i'. , asúrcnrld€dbyoffi¡te- The¡aþwi[bemed¡wttho¡tu¿nânry,ütla, pos¡csrlon, or €ûq¡mbreflcss ott 10f291ãI10. The dshu(¡)

itl paragraph tlt, tognträr wnÙr anytubgo$¡rnl pqylnânb, lrte dlrgeq Eó/arþËs coobnrcgfrei ttus, mmt-bo crrrud bry 1W1E 2010 (f f days bsforð h€ Ealê dat€), b qfuss.e

h enysrbsequsnt pâyillânb,lde du€e¡, edvenots, coluand tire Truetàeb É€s Értd )sb a¡e påH. Tha calo may b€feea-ftfrSäaf6i

brmlnalpd'an: 0 (11 dâyt b6þrs tho Bdo dãtol, and befolo thc rale bytheor Ùre holüer d ârry Ëcg¡lsd jq¡ior llen or encr¡mb¡ence nying

saa¡rsd qi th€ Daod ¿f Truat, flue cosb, feos, end'to

ttra lerrtc of tha oölþüon and/or Desd of Truct.

"'1vt

by he Sensñdery or Trusteð to ths Bonorvor ¡ntlto sedlpn vl).

n racaþt tcquetted, orr€gþfisr€d n1ail onof he Truetse: and on ffV0920@ Gr¡ntor and

AwrltqlmthaGËrtþratthêbybothfkstc{ass

Tlre Îrugb€ whos€ neme anO addiÄ¡f¡C à"'f"ntrö.i¡""u/ü podde in *ttit¡ng þ.any'me ¡tqr¡esthgIt a stabment qf all furcdæure cæhf ÉFd iruçtdts feee ûrc d..pny tlme ñor þ üþ sslê.

vr¡t. ""iThc éfiêot ol the saþ wil be þ d€Ëtìr€ üo wlþ Þld by, tÌrough or under ttpGra¡rts of ell ttËF rlghL liüe and lntenest in pfÖperty,

\fri

Anpne traving any oöJocüono to tho ¡de on aopportur*V to-bc liearü as lo ttroqo obleoüons 8rú loñCW et,â¿.130. Fallun to brlngsucfi-a la¡tuút forlnvelHatíng the Trueteab rale.

xNOTICE TO OCCUPANTS OR TËf{ANTS - Thå

t

mo (or prov6d to mtb/aç eubscribêd b wihhln hblherfthok authortsed

lffiffilo

.j

rþtaryEld¡c,, pcËofÌdvkmwrto

urho8r namds)êxêauþd lhe aame

ex€q¡tad the ¡smc ln hhltâr/$ìbron tfie lnsfijment ü¡s pct€on(t), orholrìEffimail.

authorEfit capecity(lea), and tthe entiç upofl b€hâlf dYút{ctr

,.. I

RECOI{TRIIST OOIlPAllll, ll.A.P.O. Bor 10iä4,Vrn iluyt, CA 0l¡ll0{,1¡{Flþîrs lE00) ztl{ZteAËnt lbr tÔñrfc. of proccruCT Cotporaüo 8yrúemlæ{ w.rBryoüË llllt, sù¡ 20tOltrpl.,W et502Phonc: (t60rt57{?Ð4

THÍS FRII t|l ATTEUPTTG TO COùLEgf ADEBT, ATff OFOR$'TBE USED FOR TT{ATPURFOSE. T1IE DËBÍ8ET FORII{ OI{ THIS

WT}I A ÌiIRITIEII IIOTICÉ OF YOUR Df,'PUTE WIÎHIII æ DAYS OFTH|S NOTICE gErnilG FORÎll THE EAEûS OFYOUR DFPUTE. lFI}EBÍ III WRMilC WITHIII 30 DAY8, YYE IUI¡ OETAH âflD HAü-DEIÎ TO Y(ru. F THE CRESÍTOR IDET{TFIED ITI THFNOTICE FYOUR ORIGII{ÁL CRED¡TOR, UÍÊ ÎTIIJ. PROUE YOU YYM{ THE }lâilE åfl OOF THE ORIGIIIAL CREDITOR IF YOU REQUEET TI{I3 IlIFOililNOil H30 DAYs.

,'"t"'i :,' t"t i

Clhnb BAC dprcJ¡diu Sarvicb¡¡ I,P'!. r-

"'¡''"' ":'"a'....',"-':"¡" "',

,j .'" ..! jFlhNo, 2lXlg{13,12 i i... "'.....'¡ .....

4SlerodihHft'Marpvlle, V\l.A.r

ii"r.,,1¡.'... JâíBO'D.BR EURil

Exhibit C

ELECTRONIGALLY REGORDED

ãxì9fF170053 2

06/17rã,09 09:ãl AM 15-00

SNOHOMISH COUNTY, WASHINGTON

TS NoÏ

(rtt¡tooG'èo¡ool\¡

ieüegnailry, an<l

ts the trugba, and

btho

undsr thd ceileh dsGd of üust d'@, and ¡ecordeds¡tJaalnQ&

unûrAudlþ,ôF¡eNo ,r€Gddsol Sfiollomb!ìr- ,.

..r.Camty, Washhgbn. \

l,lotv thercfore,ln vlew d üe prernþee, heCOiJFAISí, N.À, wfioceCA Sl{,õÍ1, ac succæ$ortugÞ€, eff€EúrÐ ftrüwth.

ln whrces whercot, ûrc wtdersþned bannamo b be slgnod ünd effißd harü¡nþ byn¡

:, 1

IJIORTGAGE ELEGTRON]C FEGISTBAÎIONSISTEME,INC.

åaats d sdeilectirY-õ¿arca) to be thehsü¡¡mcnt anti Ed(flowlÊilgpd to me üat

I

r auüorlrod oapaoM¡c8), ând tnathe&hs/üryc€DecrlMb8t. and ütd brr trh/her/lhelrù itþ åhy ibqt bcrraf

-ol sûidl ür p*ronls¡

prôllc, p€rrrally

oü(lcutËd theeamo helgrat¡n{¡) on ûo insrunflt'üaplod. excouted üe hsü¡ment.

B€nfioiåry

my hard ând ofñciel sce¡.

;:H'=JL['Jää.ür;4ii#;i',ilÏl

1..I

"..,.t" ;.' i.."',¡ aa

.j J.. i,.,' :'

i i1-" ji \'.r '.t-.-.,.,-.i'ì't"'t' -":..'..

ìr

Exhibit D

ELECTRONICALLY RECORDED

201003300560 Iæ/:1012010 o2:09 PM 14.00sNoHoMtsH GouNTY, WASH INGTON

ltiNo.

WACE AEO\IE flÍS UNE FfN TEOORD€RS UI¡g

SIGNMENT OF DEEI} OX'TRUSTgIart(o85N

Y GRANTS, ASSIGI.IS AND TRANSFERS TO:ROME I,oANS SERWCfiG LP

DEBD OP TRUST DAîED IAI+aA0í,Ð(ECUTEDTO FTDELTTY Trfl,4 TRUSTBEAND

IZNIaOO',OF OFFIC1AL RECORDS IN TTIECÛT]NTY RECORDER'S STATE OF WASTIINOTON.DFSCRTBTNGIHET.AN IN SA¡DDEEDOFTRUSTTOCETHERWTTTI TTIE REFBR,REDTO, T}IE MONEY DIJB.AI{D TO BECOME DrJE TI{EREoN Wm{ INTEßråT,

^Nb ¡tL *¡OrmS ¡CCtUm OR TO ACCRIJE

UNDERSAIDDEEDOFTRUST/MORTOAGE'" .i,." .,,..." ....'\

DArEÞ dQI lC ; RF,GrsrRArIoNsYsrEMs,ia

i

sr¡¡cof: cAlJKnNlA

iET'4-:mo on ho basi¡ of

rchowlcdgiodb rc ûåt bç/EùFÁtqt'cxccr¡tcd tta s¡ds inbblbü/thch a¡¡tùorlzod

instrumsrrù

Wlfirrs my hand a¡rd offisíEl scd,

ttlldrelte I Milcr

Exhibit E

ELECTRO NICALLY RECORDED

201102170918 5

02J17n01101:50 PM 60.00

sNoHoMtsH couNw, wASHINGToN

@(?oC\ct

oN

Srlce of Vllashington 6l.24, d sec.

RECOI'ITRUST COMPAÑY, N'A' ottÐ,ìbarloc to thc Snohomqt Coun$ '

d

,.." *'.

,

comnronv Kfro¡vn æ14819 136TH ÉtJ4CE NE ,M+RYSVIL¡F.jWA 8Ë¿71

d on . underAudltod.¡ Fllc No,

EN¡OTÚNX A SINGLE I¡IAN, AS

was aee g neo by : M o RT_GAQE^+[C]F9-ry!9r Bre benaf,chl¡nterÊût ln whlch'VsTEMs.. tNc. to EACl'louE

rucorded ú fln1 n}ù5,uftd'r

favor of,MORT.GAGE

LP, undar a[003300560.

lNci:"äbWeg gôEnnêo Oy:Mt K l ri'\tiE CLtrvr Ñt¿tNrv taE\¡tltJt I I

tõñs: ËÈnvÉi Ns, Lp FKA couNÌRYwlDE tloÈt rAoslgnment/Succe¡sive Assþnmants'€cordéd

il.Noaction oommenc€d by tho 8onefiô¡ary of $ê tb¡d-of Trustþ nqy

¡ecurcd u! Ua qeed of Truet

i" ¡33,336,01$110.80

ü0.00(si,226.40)

s1,4{i5.48

$¡ÉIÍ41

DÍ137,õ0s002.00oiaí.zs ,

$86.00$gsl.348200,00

OilERDEFAULTNoripl¡yment of Tax¡¡/Asetssmênte

Dcfaült under any æolor lien

'Faifurg to ln¡urc property ega¡ßt haærd Fllvêr.b

Whote :

tv.The'eunì oìfling on hc obl by thc Oeed of Tn¡ct ls: Prindpmo¿frerwlUtlñterestaeo oteøoficrlnBfl¡mgntsca{fld'lnçËumfJwlllg9ll ul!(Jul 9y ul9vwuvr rrHrc.r...Ml'

. mOÉfref "lUt

lñterest ae p .ote ø oficr lnEtt¡mgnt scouædiffi¿ijtüää tåä a-B Jl3 ¿ue unOer thè ÑoÞ ói'odtêi¡nArument cecured, and ädiÞPYf'ori

:_ i''." -d

'¿:1.,. . ii,t

i.i

Deliver

inE

v.re¡l ptopcrly wrli Oc solC b eaü¡f! üre expånse ol [1ô s8Þ eld he oòþatlon

ry m oeeo oiirüEt-ó ¡iovH€d by sþtfe, rhc selcwll Þ-q1*-{po{I?Tfl;

on 0S09f201 I (1 I @s belort 0r¡ saþ dab), ttn dcht dts(s) æ aot

wiür anv sub¡oqucm pävmcnt,lab cùârgcs, advtlcæ, coeb ardË and te fruatàe'efùEi and coeu alr æld. Ths sale mey bÊ

vtby tle Bcneficbry or Tn¡stqo to ütc Bonower ¿ndi häactrement to seaion vt').

of ürcTruetèo; and onn r¡ttsn mtloe of default or thc wÉtt¡n notioe.of dcfaul

doscrlbed h pa¡aSrsph I abovc, ànd hc

t..ar.f" ..t"'' ....'t'""

RÉCOHIRU8Î COFA¡'IY' NÁ.

*, S r-, yl¿lr*ltÉB 1 5 trr

gftrsrllEulJ|fln

lt:M¡uü0CI¡ISt$lår

TTC5IT6f,Effi

in hiB/hêDüelra'r¡ürorizedüe entihi üpon bàmr

'ñËcoilTRusÏ coilPÄff , N¡.

P.O. Box tOz¡¿Vrn NuYl, cA 9lflO'{r2t'lFñonc; (800) Z8l.t¡{gAgtnt for r$rlc¡ of Procsr:CTGwponüon SY!il.mlS01 tïcet BrY g¡fYe lllfl, 8b 208Olnnph. YlrAgtl¡O2Plpnr: (t60) t67€784

rtNS þ¡NU ls ATTEilPnNG TO COT¡ECTA DEET' A]IYgÈUsED FOR THAT PURPÓSE. ÛIE DEBT 8ÊT FORTTI

ESôUNTO TO BE VAL¡D UÎ{LETS YOU DISPU1E THE DEEI'Iäirii A unifrEx roÍoÉ oF YotJR DlBPt tE wll]llx to DA

no,tery puulq, pêrsÐnelly knontn to

YNLtBE

Ð'al8 oFF¡CEREOEIPTOF

JACOB D, BRADBURT{18f9 l3dTH H¡EE NE

MARYSVILLE, WAg8271

,. " :. ,"'.i j

Exhibit F

r ilt ffi llil illl Iil llül $ll llillllil llH 1[l ffi n ill

ffiüfl*filîï-nll ffi,ù*o'in

SPACEAÊOI/E ilII¡ LINE FOR RECþRI'8R'S USE

oF DEED or rnusr fBAC HOME LOAI.IS SERVICING, LP FK.A,

LP HEREBY GRANTS, ASSIGNS AND TRANSFER,S TO:

ALLBENEFICIALTNTEREST '

STDATED La1|¡4aOOS,EXBCUTED

BY: JACOBD.BRÄDBI,JRNAS TTTLE,TRUSTEEÁNDRECþRDED AS INSTRIJMENTN TCIAL RECORDS INTTIECOIJNTY RECORDBR'S OFFICB STÁTEOFIryASHINGTON.DESCRIBING THE LAND TIT SAID DEED OFTRUSTTOGETHER WTTH TIIE NOTE OR REFERRED TO, THEMONEYDTIEAND TO BECOME DUE ACCRUED OR TO ACCRUEUNDER SAID DEED OF TRUSTÂ\,Í

DATED: Sn4n}lt ING,LPFKACOUNTRY'I4¡IDE

i. "' ."-;'//

Statc of : CALIFORNTA )County of: VENTUR.A'of: VENTUR.A )

HAT 2 6 tlìÎ| . u"rotr-c JE

ttut by hcr slgnature on ùe i¡stumccrt thc persor¡ ortbe entíty uponbchalf ofwbidt þ'iiqqq!.pctc4 execurcd thc

insfiu¡ÌrcûÎ,

Witoess my hand and oflicial seal.

\a?

DATED: 5n4n0lt ING, LP FKA COUNTRY'I4¡IDEßsunucån*o t¡I i....,.'"' .,'

it.

rsvo@ä

JËAdI{E t{otfilAt¡ '.,

0ommir¡tor t f8l0tt8 "llolary Pubilc - Crt[ornft

Exhibit G

'1v3715Id

Fìþ þr):.2@.pr{BJs4.e"*..,, Trustegrg oegd ¿f !F cÉalovÉmaurËFoRÊÉcoÊoÉr8rÉ€

, as pres€nt Trustee undsr th8t Deed of Trust

|ilfl ilt tüt tüt ilil ilil m ilil ilil ilil ililt ffi ilt tll

ffi¿#ffff ïä,frîrï ffi,,fr-,,i-

E

Es-lË!.à.ðË

b-€Ël;¡g

, as present Trustee under that Deed of Trustd payment recited belotr,, hereby granls andL MORTGAGE ASSOCIAT]ON, SS GRA'{TEE, AII

f Snohomlsh, state of Washlngton, deecribed ae

REftGTO THE PI.ATTHÉREOF RECORDED INI, BECORDS OF SNOHOMISH COUNTY,

NÓHOMISH STATE OF WASHINGTON.

+' ...t*'^'i,.,' r- "i,

'i...' i ;

,;"'' ...,"""'-.."'i,,riRECITALS: \

No. 200512211 157,BAC HOME LOANS

sERVtCtNG, Lp Fl(ACOUNïRnfllOe HOn¡e LOANSSGRUqtme p uirdersnohornbh countyAudito/s/Recorde/s No.201003300560. ..'' ...'-"\, fii ':..r2. The Deed of Trust was ox€cuted to secuË together win ofrer i¡n¿srta'k6prornl88ory note(s) ('Notê") h the sum of $200,S)0.00 withthereol h favor of MORTGAGE ELECTRONIC REGISTR/thereof, h favor of MORTGAGE ELECTRONIC REGISTRAT¡ON SYSTEil4SilNOÍe¡d to seclre anyother sume of money whbh rnight become due and payable under [ie terin¡.of sald-Deed of Trust.

:' '1"

3. The Deed of Trusl provides that the Prop€rty ls not usotl principally qr agriiiüftibl orhrming/QrÊ

;"ECITALS: \1.This conveyance is made pursuant to Ure poivers, lndurlit'i.rheGranteo by tho certaln Deed of Trust betwesr JA6þB D.'BRAD[

Bðnêfic¡ary, óaled 1211412005 recorded 12LEOO5,records of Snohqmlsh Co.rnty, Washington and subt

of sale, confened upon theGranteo by tho certaln Deed of Trust betwesr JA6€B'Q..BRADBI BN A SINGLE MAN,as Grantor. toFIDETITYTITLE, as TrusIEe, ANII I\IORTCTAGE floN sYsrEMs, tNÇ.,

ment of oneto tha terms

4. Default having occ.¡ned ln lhe obligatlone secured and/oas s€t forth in Notþo of Trustoe's Sale described belon, whmake operatfue the povrrer to sell, the thlrly-day advanceDeed of Trust grantor, or'his successor ¡n intorest, anq aaccordancewith the law. ZBs5. BAC HOME LOAI\IS SERVICING, LP FI(A COUNTthen tfio holder of the indebtedness socured by he Deedreguest directíng Granlor to sellthc described property ¡n a

i. r,.

' "¿'¿

DeÞultr not having boen alred, the Grantor, ln compliancet€d arÉ on0?l17l201l,r€cordêd in tho offico of he Audltorlcr of Trustoe's Sale'of tho Property under AudÍto/s File

'. r..J.

d he place of sde as on the sbps ln front of fiecâ îônô Rn¿rl¿ei¡lla¡ Avc in lha eitu af Fvpr¡tf Lll/d he place of sds as on the sbps ln front of fie

se, 3000 RockehllerAve., in tha eity of Evøeü, Wlwlh he la,v caused cop¡es dthe statubry

t0 all p€rsons entiüad hereto and eithor posl€d orGrantor caus€d a copy of sald "Notice of Truetee sCounty ln whlch lhe property or any part thereof ls

siluateü,bstwetl

L Durlng Forecl ng on Bn obtigation secured by the Deed of Trusl.

9. All legal requl of oald Desd of Trust ve been complied wilh, a9. All legal requl of oald Desd of Trust ve been complied wilh, as to aclsro be performed and r"t

T":9.þI].ervfrtat provtded in chapter 6 Rcw.

rcond and twenty+ighth day befora fte date of sale, and once<lay befure the date of salo; and furttrer, induded with lhe Notice,

not havlng heen ct¡red ten daye pdor to üe

rt?26,31(cash).(by the gatisf¿cdon in full of the oblÍgatimwith allfeq¡'lansh and expenses as provided òy statute).

.. "" .. ''i'- ';:''./--\'

whiotr'Notica of

þ,0îserved upon the Deed of Trust grantor orhís succ€ssor ln lnleresl, ar.fnwbsþntially the slatutory ñrm, lo which coples of üre Note and Deed rthe slatutoryñrrn,lo which coples of üte Note and Deed of

Trustwere d... i_i'i:

10. The tlafaults speclfied îridate of Trustee's Sale and

RECONTRUST

DATED: lt|øy24,2O11

Stata of: Callfo'rnia

County oß Venþm

on HAI26?llllpersually appeared _

bêfor6 rë:

me (or proved to ms on to be the le/aresubscribed towlthln lnslrument and l0 mehls/herltheir authorÞed capaclty(les), and that by hls/tre/thek

tnthe

rny hand an{ ofrichl seal.

Conuilrrlbç_;lNol¡¡y Publti .

Exhibit H

Deposition of Jacob D. BradbumBradburn v Recontrust Company, N.A., et al,

rN THE SUPERTOR COURT OFFOR THE COUNTY

THE STATE OF WASHTNGTONOF SNOHOMTSH

.lAcoB D. BRADBURñ, AN )

)

)

)

)

TNDTVTDUAL,

Plaintiff,

V.

RECONTRUST COMPA.I\TY, N.A., ALTMTTED-PURPOSE NATTONAL TRUST)BATüK; FIDELTTY NATTONAL TTTLE, )a corporation; MORTGÄ.GE

a tederal_ly chartered )corporation; LINDA GREEN; DOES)l--l-0, unknown persons; and

No. 1,1,-2 - 08345 -2

ELECTRONTC REGTSTRATTONSYSTEMS, INC, a foreigncorporation; BAC HOME TJOAI\TSSERVTCTNG, LP FI(A COUNTRYhIIDEBANK HOME IJOAT,TS SERVICING LP,a foreign entity; BANK OFAùIERICA, N.A., a nat,ionalbank; BÄNK OF AIVIERICACORPORÀ.TfON, a forei_gncorporat ion ; coulüTRYWtDEFTNANCTAIJ CORPORå,TION, Aforeign corporation,.COUNTRYI^TIDE HOME LOAITS, TNc. , )a_ foreign corporation; FEDERÀL)NATTONAL MORTGAGE ASSOCIATTON, )

QUTCKDR.AW REAL ESTATE )SERVICES, rNC, d/b/a HOMESTAR )LENDING, a domestic )corporat,ion; NATIONAL CITYMORTGAGE CO. , d/b/ aCOMMONWEALTH UNTTED MORTGAGECOMPÄNY, a foreign )-----

-f+rporîaEi-or¡-S?EtVARHTTI'E, __) --domestic corporaLion,

Defendants.Deposition Upon Examination

)

)

)OraI

of

DATE TAKEN:REPORTED BY:

.]ACOB D. BRADBURNTaken at. 239 North OlympicArlington, Washington

Tuesday, ,-Tune 11, 201_3Emily K. Niles, CCR, MR, CRR

Starkovich Reporîin g ServicesPage: I

Deposition of Jacob D. Bradbum

For the P1aint.if f :

For the Def endanL,s:

21,

22

23

24

25

Bradburn v Recontn¡st Company, N,4., et al.

1

2

3

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18

t_9

APPEARANCES

STAFNE I¡AW FIRMSCOTT ERIK STAFNE.JOCEL]TNNE FALLGATTER239 North OlympicArlington, Washington 98223360.403-8700scott@stafnelawf irm . eomj os ieostaf nelwaf irm. com

LANE POWETJTJ PCABRAFIAM K. LORBER1,420 Fifth AvenueSuite 4t-00SeattLe, Washington 98L11_206.223.7000l-orbera@lanepowe I l- . com

S tarkovich Repo r ting Servic es Page: 2

Deposition of Jacob D. Bradbum Bradbum v Recontrust Company, N.A., et al.

Eo reiterate, correct?

A. Mm-hmm.

BY MR.

a.

(EXHTBTT 1_ MARKED. )

I,ORBER:

So the court. errs handed u \^rhatts been

marked as Exhibit L.

rs Lhis a document, t.hat yourve seen before?A. Wou1d t,his have been in one of our papers?

o. You've got to do your best to answer on your owÌr..

A. They aIl look Ehe same.

o. r'm going to ask you to turn to the third page ofE.his document, which is the 1ast page.

A. lWitness complies. ]

1

2

3

4

5

6

7

I

9

L0

L1

72

13

L4

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A.

o.

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Yes.

All right.So let's turn back to

[Witness complies . ]

So this is a document.

Ehe first page.

that ' s tit.led 'r Int.erestFirst

Do you see

A. Yes.

O. Itrs got a

A. Yes .

that there at the top?

daEe of December 1-4th , 2005, correct?

O. fn Paragraph

Starkovich Reporting Se rv ìces

t, it says, "fn return for a l_oan

Page: I8

Deposition of Jacob D. BradburnBradbum v Recontrust Compan¡ N.A., et al,

that I have received, I promise to pay

Do you see Lhat there?

A. yes.

a. rs that consistent with your recorlection thatthe when you refinanced the property, it was a $200,900loan?

A. ApparenLfy, because it,s on here.

o.

1

2

3

4

5

6

7

I

9

10

Ll_

T2

$200,900. ,'

13

L4

15

76

l7

l_8

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20

principar amount of the roan to be a d.ifferent number?

A.

O. All righr.I'11 direct your attention now to paragraph 2.

ft's called rrfnLerest. r' fL says, ,rlnterest wi]I be chargedon the unpaid principar until the fulr. amount of principalhas been paid. r will pay interest at a yearly rate of6 .625 percent . r'

Do you see that there?

A. yes.

O. All righr.

2T

22

23

24

25

Well, let me ask it t,his Way: Do you remember

No, but I síqned it so it must have been.

- an d- is- - bhaL- es,*s i+t- ent-with yo rår re eolf-e efi orr üÏrathis was a 6.625 percent interest Loan?

A. yes.

o.

A.

o.

All righr.I mean, f it is what,

Well-, once again, leÈ me

it is.ask it, this way: Do you

S tarkov ich Rep or ting S erv icesPage: 19

L

2

3

4

5

6

7

I

9

10

1L

I2

13

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L6

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18

19

Deposition ofJacob D. Bradbum Bradbum v Recontrust Company, N.A., et al.

marked as Exhibít 2. ïtrs a document titled ilDeed of

Do you see that there in front of you?

A. yes .

o. You understand that when you took out the roan in2005' you pledged the r-36t.h prace property as security forrepa]¡ment of the loan?

MR. STAFNE: v'Iourd you read that question back,please.

(Record read by reporter. )

MR. STAFNE: That's fine.Go ahead and answer.

THE WITNESS: Okay, your question?

BY MR. LORBER:

o. Yeah, so do you understand that when you t.ook outthat loan in 2005, you pledged the l-36th place property as

security for repayment of the l-oan?

A. yes.

o. so if you courd pì-ease turn to the second ret's- see ----9o-¿ny-, Ehird-Ee la-st- page-ef -êt+is doeumen€,

Page 15, is that your signat,ure there?2I

22

23

24

25

A. yes.

0. And then if you turn to the next page after that,Page !6, do you see t,hat, the document is not,ari zed?

A. Oh, is that Lhe square? yes.

S larkovic h Repor ting Se rvicesPage: 38

Deposition ofJacob D. Bradbum Bradburn v Recontrust Company, N.4., et al.

a. Oh, so this page is referred to as a notary bIock.

A. Oh. okay.

O. A1I right, .

4 | And it says that on December L5th, 2005, you

witnessed you signs I appeared before a notary and the notary6 | this document.

Do you have any reason t,o dispute that?

No.

Is that a no?

No.

MR" STAFNE: The way that¡s going to come out

MR. LORBER: All right. Let me ask the question

again.

BY MR. I.ORBER:

a. Page 16 says that on December 15th, 2005, you

execute this deed of trust.

Do you have anv reason to dispute that?

A. No.

--Q- -YoreÊ ptrË Èha€-down-Êor a-nri+r+Ee;._

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a.

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(EXHTBIT 3 MARKED. )

LORBER:BY MR.

O.

marked as

Default. "

The court reporter has handed you what's been

Exhibit 3. It's a document entitled ',Notice of

S lar kov ic h Repo rting S erv ìces Page: 39

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Deposition of Jacob D. Bradbum Bradburn v Recontrust Company, N,4., et al.

(EXHTBTT s MARKED. )

BY MR. LORBER:

O. Qual-ity of this picture of Exhibit 5 is not as

good, but does that also appear to be the property?

A. Yes.

(EXHIBIT 6 MARKED. )

BY MR. LORBER:

o. Before we go inLo Exhibit 6, r just want to cLear

something up.

You had been having this t,rouble withBank of America and t.he accounLing of your mortgage back in2009, correct?

A. Yes .

O. So is it fair to say that in 201L, May of 2Ol-:--,

you knew about arr these problems that had. been going on

about you trying t,o make the payments and your craim thatthe payments had not been received?

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A. yes.

O. All right.--Ef--you t-ake-a }ool* at--Exh-ib.it-5-, ltave-yon s€€¡--

this document before?

A. Is that 5?

a. Oh, not Page 5, just t,he whol_e document.

Have you seen this document before?

MR. STAFNE: you're t.alking about the not,íce of

Starkovich Reporting Services Page: 46

Deposition of Jacob D. Bradbum Bradburn v Recontrust Company, N,A,, et al.

t I trustee's sale dat.ed, ít 1ooks like, 2/tt/zot]-,2 | electronicalLy recorded?

MR. LORBER: yes.

THE WITNESS: yes.

BY MR. LORBER:

a. And when did you flrst see it?A. probabry when they put it. on rny door, if this is

Ehe one that was put on my door.

O. So if you go back to the previous exhibít, andto

I r r Ll just r can just help you out here. so if you gott

I back to Exhibit 4, Exhibit 4 is a d.ecr-aration that says

12 I that unfortunately, I can,t, read this person,s signature,I

t= | but that Lhis person who signed. Exhibit 4, t.hey,re

ln I resrifying excuse me. Brian Roberge is t,estifying undertu I penalty of perjury that he put Exhíbir 5 on your door onta I February l-gth, 2O!!, at 1:3g p.m.1,7

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A. Okay.

question.

BY MR. LORBER:

MR. STAFNE: I'I1 object Eo the form of the

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O. So do have any reasorr dis te Mr. Robeto

on

Starkov ic h Rep ort íng Serv i ces

f wasnrt home, so I don't. know.

ur door on

Page: 47

statement that he put that document

A.

Deposition of Jacob D. Bradbum

open.

O. Okay. you usually close yourleave?

Bradburn v Recontrust Company, N.A., et al,

O. You were at work?

A- @.O. And so

A. Which f don't und.erstand why my garage d.oor,s5

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garage door when you

A. Every day.

O. ,Just give me a second. here.So February t_gth , 2O!.L, was

NormaLly work on Fridays?

a Friday.

A. lWitness nods head.]

a. All righr.MR. STAFNE: Did you geL a yes_or_no answer?

THE WITNESS: yes.

MR. STAFNE: Okay.

BY MR. LORBER:

O. you normally work on Fridays?A. yes.

-why-i-s-m1-jrar@a, So do you welL, is it your beLief that you

did and f rm sorry, let me strike that,.wourd you have come home from work on Friday, back

to the 136th St,reet property?

A. yes.

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S t arkovich Rep or ti ng Services

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CERTIFICATE OF REPORTER

T, Emily K. Nil_es, Washington Certif ied CourtReporter, pursuant to RCW 5.2g. o1o authorized to administeroaths and affirmations in and for the stat,e of washington,do hereby certífy: That r reported the depositíon of ,JAcoB

D. BRADBURN, commencing on Tuesday, .'une I!, 20'3, âL

8:53 a.m.

That prior to being deposed, the wit.ness was d.u1yst¡rorrr by me to testify to the truLh. That, r thereaftertranscribed my said. shorthand notes ínto tlpewriting andthat the typewritten transcript is a complet,e, true andaccurate transcription of my said. shorthand notes preparedpursuant to washington Administrat,ive code 30g-14-i_35, thetranscript preparat,ion format guidetine and L,o the best ofmy abiliry.

I further certify that f am not a rel_at,ive orempì-oyee of counser of any of the parties, nor a rel_ative oremproyee of the parties invorved in said action, nor aperson financially interested in the action.

r'N- I^rr+NËS S-V\IFI'EREOF, @hanilin my

-office in the county of whatcom, st.a'e of washington, thisl-7th day of ,fune , 201.3.

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25 EMIIJY K. UT

Exhibit I

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Fannie Mae single Family I 2oll Servicing Guide / Part l: tender Relationships / l, Chapter 2:contractual Relationstrip (01/31/031 I l, 202 Servicer's Basic Duties and Responsibilities (12l0g/0g) / l,202'07: Note Holder statusfor Legal Proceedings conducted in the servicer,s Name (os/23l0g) / l,202.07.03: Physical possession of the Note by the servicer (05/23l0g)

I,2o2.O7.o3: Physica! Possession of the Note by the Servicer (os/2g/og)In most cases' a sen¡icer will have a copy of the nrcrtgage note, If a servicer determines that itneeds physical possession of the original note to represent the interests of Fannie Mae in aforeclosure, bankruptcy, probate, oiother legal proteeding, the servicer may obtain physicalpossession of the original note.

If of the original note is direct because the custodial docunrents are atits d submit a request to obtain the original note and any other custodialdo d to the Custody Depaftrrent through the Loan Docunent RequestsY Mae.com.

If Fannie Mae possesses the original note through a third-party docurnent custodian that hascustody of the note, the seruicer should submit a Request for Release/Return of Documents(Form 2009) to Fannie Mae's custodian to obtain the note and any other custodial docur¡rentsthat are needed.

In either case' the seruicer should specify whether the original note is required or whether therequest is for a copy.

www'allreg s'con/tpl/docunentPrint.asppd¡d3=e2dd99596df24a0f8788d863d41 15Bsf&lid= b26979aBca4'147cb86fs97bssdff9a39 1t1

9/6/13 AlRegs Online Docunent print

Fannie Mae single Family t 2oll servicing Guide / Partvlll: Foreclosureq conveyancesand ctaimgand Acquired PropeÉies / vlll, chapter 1: Foreclosures (10/31/08) / Vlll, 105: Gonduct of Foreclo$¡reProceedings (05/01/10) / Vlll, 105: Conduct of Foreclos¡¡re proceedings (05/0r/10)

vrrr' 1o5: conduct of Foreclosure proceedings (o5lorl1o)r a nrcrtgage loan, the foreclosure must beeption to this involves MBS nrcrtgage loansare secured by properties located in Utah orcord for one of these nrcftgage loans, thethe rnortgage loan to it so the foreclosure can

attornev to execute substitutions otrusrees "rtrnJ:;,tJ'i'::i:"#iä$,"il:"3"f,iålålr",.u,,umust execute any required substitutions of trustees. However, if state law or customarypractice prohibits an attorney-in-fact from executing substitutions of trustees, the servicermust submit the substitution of trustee docurnents tã Fannie Mae for execution before theforeclosure proceedings begin.

when the servicer is the nrortgagee of record for a mortgage loan, the jurisdiction in which thesecurity property is located will be a factor in how tne fõreclorrru'pro.äedings are conducted orinitiated.

transfer tax' Examples of ways to accomplish this include the assignrnent of the foreclosure bidor judgnrent to Fannie Mae, inclusion of appropriate language in thË judgnìent that directs thesheriff or clerk to issue a deed in Fannie Mae's narne, recordation of an assignrnent of the

d

reinstated before the foreclosure sale, e

' In any state (or jurisdiction)-such as Rhode Island; New Hampshire; or orleans parish,Louisiana-in whichprevenr the impositi ':ï,fiH*"";ii:H"¿'Jr:'Jii""yd.ï,?1tr:"Fannie Mae must be in a timely rnanner to aüoù any delays in theinítiation of the foreclosure proceedings. If Fannie Mae's designated docurnent custodian or athird-party docurrent custodian has custody of an original unrecorded assignrrent of thenrcftgage to Fannie Mae, the seruicer nray either requést thecan be rec ) or prepare a new assignnent (if that will expedite the process.) once theassignnrent to Fannie Mae has been recorded, the foreclosure proceedinis must be conductedin Fannie Mae's narre.

A servicer which also services a subordinate-lien nroftgage loan nray file the foreclosure of thefirst-lien nrcrtgage loan in Fannie Mae's narrìe in orderto avoid haviñq to'.sue itself,, in theforec losure action.

MERS must not be narned as a plaintiff.orforeclosing party in any foreclosure action, whetherjudicial or non-judicial, on a mortgage toan owned oisecuritized-by Fannie Mae. When MERS isthe rroftgagee of record, the seruicer must prepare an assignrnent from MERS to the servicerand bring the foreclosure in its own narîe unless Fannie Maã specifically allows the foreclosureto be brought in the narîe of Fannie Mae. In that event, the assignrn"nt must be from MERS toFannie Mae, in care of the seryicer at the sewicer's add'ress for ráceipt of notices. Thewvw'allreg s'cony'tpl/docunentPrint.aspx?did3=b5df874132e94683gdb229dae3ef47c6&lid=b26979a8c94.147cb86f597b55d7f9a39

916t13 AJlRegs Online Docurnent Print

assignrnent must be prepared and executed before the foreclosure begins.If the property is located in a jurisdiction that recognizes the effectiveness of executed, butunrecorded, assignments, the foreclosure nray be inltiated prior to recordation of theassignrnent, In these cases, the assignnents should be recorded as soon as possible, incompliance with the laws of the jurisdiction where the property is located. If the jurisdictionrequires the assignnrent to the seruicer or Fannie l'¿ae to be recorded before procêeding with theforeclosure in the seruicer or Fannie Mae's narre, the assignrnent must be recorded before theforeclosure begins.

If an assignnænt from MERS to either the seruicer or Fannie Mae has been recorded from MERsto either the seruicer or Fannie Mae and the borrower reinstates the nrortgage loan prior tocompletion of the foreclosure proceedings, the se¡r¡icer need not r"-uriigñ the rrortgage toMERS and re-registerthe nrortgage with MERS. Re-assigning and re-registering the n.'ortgagewith MERS is not required by Fannie Mae and any such action will be at the discretion andexpense of the seruícer. If the assignment is executed but not recorded at the tinre theborrower reinstates the mortgage loan, and the servicerdecides to re-registerthe nrcrtgagewith MERS, the servícer should prepare an assignnent back to MERS. If the servicer decides notto re-registerthe loan with MERs, the seruicer must nrake sure the assignrrent from MERS tothe seruicer or Fannie Mae is recorded.

Fannie Mae will not reimburse the seruicer for any expense incurred in preparing or recording anassignnent of the nrortgage loan from MERS to the seruicer or to Fannìe Mae.

The seruicer must consult its foreclosure attorney to determine if any other legal requirenentsapply when conducting foreclosures of moftgage loans in which MERS is the prior moftgagee ofrecord. Fannie Mae will not reimburse the serv'rce r for any expense incurred in preparin-g õrrecording an assignrnent of the nrrcrtgage loan from MERS to the seruicer or to Fannie Mae,

ww.allregs.con/tpl/docunentPrint.aspx?did3= b5df874132eg4683gdb229dae3ef47c6&lid=b26979a8c %.147cb86f597b55dñ9a39