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a

THE CIVIL MOTIONS ruOdP Hearing Date: September 17,2013 Hearing Time: 9:30 a.m. With Oral Argument

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SUPEzuOR COURT OF WASHINGTON

COTINTY OF SNOHOMISH JACOB D. BRADBURN, an individual,

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) NO. 1I-2-0834s-2

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) ) ) v. ) ) RECONTRUST COMPANY, N.4., a limited- ) pu{pose national trust bank; FIDELITY ) NATIONAL TITLE, a corporation; ) MORTGAGE ELECTRONIC ) REGISTRATION SYSTEMS, [NIC., a foreign ) corporation; BAC HOME LOANS ) SERVICING, LP FKP COUNTRYWIDE ) BANK HOME LOANS SERVICING LP, A ) foreign entity; BANK OF AMERICA, N.4., a ) national bank; BANK OF AMEzuCA ) QRPORATION, a foreign corporation; ) COTINTRYWIDE FINANCIAL ) ration; ) S,INC., A ) ATIONAL ) MORTGAGE ASSOCIATION, a federally ) chartered corporation, LINDA GREEN DOES ) 1 -1 0, unknown persons; and QUICKDRAW ) REAL ESTATE SERVICES, INC d/b/A )

Plaintiff

DECLARATION LORBER

OF'

ABRAHAM K.

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corporation; NATIONAL CITY MORTGAGE CO. dlbla COMMONWEALTH LTNITED MORTGAGE COMPANY, a foreign colporation; STEWART TITLE, a domestic corporation,
Defendants.

26 DECLARATION OF ABRAHAM K, LORBER 1

LANEPOWELLpc
1420 FIFTH AVENUE, SUITE 4IOO SEATTLE, WASHINGTON 98101-2338 206 223 7 000 FAX: 206 223 7 107

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J

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

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5

exhibits attached hereto. ReconTrust company,

am an attorney atLane Powell PC, which represents Defendants

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

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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

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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

(the "property,,).

2.

Attached hereto as Exhibit

B is a true and correct copy of the Notice of

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Trustee's Sale, related to the Property, recorded on July 29,2070, at the Snohomish County
Recorder's Office as Document No. 201007290092.

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3.

Attached hereto as Exhibit C is a true and correct copy of the Appointment

of

Successor Trustee, related

to the Property, recorded on June I7, 2009, at the Snohomish

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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.

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5.

Attached hereto as Exhibit

E is a true and correct copy of the Notice of

20II02I703I.

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Trustee's Sale, related to the Propefty, recorded on February 17,201I, at the Snohomish
County Recorder's Offrce as Document No.

6.
Assignment

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

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

2011 at the

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

DECLARATION OF ABRAHAM K. LORBER-2

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a

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as Document

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

No. 201106090434.
Attached hereto as Exhibit H are true and correct excerpts from the deposition

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7. 8.

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

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On

September

6,

2073,

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

are true and corect copies

of

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excerpts from Fannie Mae's 2011 Single-Family Servicing Guide that I downloaded from the

AllRegs website. These excerpts include:

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

12

Vm,

105: Conduct of Foreclosure proceedings.

States and the State

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I declare under penalty of perjury under the laws of the United

Washington that the foregoing is true and correct.

of

SIGNED this

6th

day of September,2013 at

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Abraham K. Lorber

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DECLARATION OF ABRAI{AM K. LORBER3

I 16589.041 l/58090 14. I

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2 J

CERTIFICATE OF' SERVICE I certify that on the date indicated below, I

on the following person via email and U.S. Mail. cause the foregoing document to be served

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Scott E. Stafne Andrew Krawczyk Stafne Law Firm 239 N. Olympic Ave. Arlington, WA 98223

Attorneys for Plaintiff

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

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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.

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SIGNED September 6,2013 at Seattle, WA.

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Debi Wollin Legal assistant to Abraham K. Lorber

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DECLARATION OF ABRAHAM K. LORBER_4

16589.041 l/5809014.

Exhibit A

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ffirury#Ilry#IryrywJril i??t\,3fl i R8ro'u

r,odn

irme

.)'t, O.Llh5+t .: ." i. nEED LLU

2

Abov Thls

lE

Fot Foordmo Datl

OF V! TRUST

urc and rruoels)

Assssor's

PropeyTr Parccl(s)orAccouu,xri'trtut+0"'O3'rooo'ooS-OO

Rctercnr Numb(s) fi5srgned or

Aduonl rcfercnccs

Relesod ;t .r"' -i j ol docurin i,"-"" ,r" on page

.r

,.

Borrower !ruuls
Forrn 3048

M!./Freddr!

l/Ol

Fmtly n UNIRIRM INSTBUMEII .

41ttl,
MEBS

PEge

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nret rE dcincd below nd oer words r dcf ned tn $cuool rdlng thc usage ol words uscd rn rr docutttenr arc also pmvtihd

oLulEnt, whtsh t\ dtd DECEI4BER'

I4r 2005 , togcther

B1'RN

SINGT,E MAN

ln$nrtent

ING
TON

ION ,

oryarud

SUITE 2OO
E

SNOHOMISH, WSHINGTON

Luug solly \

thrs Securlty lns rnd tclepho oumlir

rahon Syscurs, ln, M ERS r\ ,r \prtc corporlro lt s :r's srcccqcon nd rsrgs M ERS ls the benefcrary under rd erusun ufidcr afte lwr l Dclwrt. nd hs n ddrcsc

}c

Notc.sutes that

"Nolcn nos

ler-TfO' HTNDRED TIOUS!{D NIN .i,' ''., Dollare (US $ 200,900 00

srucd bv Borswr ud dEd DECEI4EE't

L4. zuu!
HINDRED

tt, :r:

Borrowc lruuls
Fmruc
Form 3043 1/Ol INSTsUMENT . MRS ago 2

wlragt
ol l8

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vl

@dt E

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whu,h
ir"s

oy lrrlrl\ler of fuldr, odrr tlurr triu\llto[ ongrnared by r rrur!d tJuough ,ur efcrrfl,rllc ternutul, telephotuu

t0 odcr, ilL\!ru1t, or uttto l tlutrtl ttxubrtor to dbt but ls not lurud rrr, gltnt<tf-vtlc trnsrr, uttrrtcd leller lephonc. wtre trarrstn, nd utrnutcd clclrlttglrout uanlfen

r d\nbd lt S:ruon 3 ornpn(bon, \enlgnrnt, wrd of druugcr, or prucdr prrd (t) cccds pard under dre coveagr desr,nbcd rn Seltron 5)
t

lot

, (l oodenultton or othcr !htlg of ll 0r dny pn ot

ouuuon, or (tv) nlrrcpr\litons of, or omtsron\

t l

10, tlrc

pmtcLturg Lardcragarnrl the norpcytncrlt 0t, ur detult on,

rly srhdulcd rr0utll due t(r ( pnlrLlpl {rtd rolclu\l underdc of thlb SLuntY lntrurnuttt tlcment Ptrdur\ Att (12 U S 1260t cr \eq ) nd r$ C F R Pdn 3500), ar rhcy nu ght bc dlnendd lrun runc lo llllc, gulauon that govcrnr r ,trntc ubec lutrer s uscd n tlls I rtqutrcncnlr nd sstncttotlr tlt re rrurrcd ln rcgard ttt a

e L,oJ d.rcs rtot qurfrty ar a "h;dcrally related nrcngagc loan'

ns
t<

aly pany

rat hs thn ualc to dre Pnrperty, whelhcr o uudcr rc Notc lrd/or dlts Srurrty f nrtruncttt

OPERTY

and r.rsrgrc) and thc rcprynnnt ol tha [.oaq and

oI,lERS -Thr Se.unty lr\ulnltll.\dLus tn Ltnder (t)

thc

of Borowt'r Lovrullt

Bonower urcvocbly grauos propeny locatcd rn COITMTY LvulL .. fTypc of RrcrrB urdEltrl ',.

0t tlrr Nott, arrd (u) t purtornutu,e llstrunrgnr nd hu Nou For tfiu purpose, trurr, wrrh powtr of sale, e lollowtng denbsd
,a-1

.r" t lNrutr ol RLto'lr! JurrdFlnl lTM ]$O I'?E'A.FU Ti {HIEIT lht' IDC IEIIJ IETRISITN N g. .,. 'r A.PNFlS-ffi-m-@ # fifrqJrlL(IE-d r'

0f

SNOHOMISH

Ji t.' t :.
',..._...

..,.:.,''

; -.-'"'

Bonorvcr lruuls

Ftrrr Ma/FroddE Fm 3olB 1i0l

INSIRUMENT - MEFS Paso 3

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19 r35" com

vtrdE

136TH PIJCE NE f\'rl

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

..r'"
...'"

MARY$VILI,E
lCrtyl

, Washrnun

9827L

("Propey AddrEs$')

lzeccdcl

l'

....' IoSETHER

"rr'iipqrenards,andfixturtsnoworbufrcrapanotepropeny

WITH all thc rmprovcmcnts mw or hercler eresed on rhc propeny, rrd sll eann, Allrcptacentntrrndddruonsshll alo

nsludFl, Lndr ru

o,
ud

e nghr
o,
demands,

rcleasrog aod c,rnccng thts Sclunry ltl$rutncnl lh Boowcr r,. tawtully vrsed ol u csute hercby convcycd atd has rd thr thc Pmpeny tr unettcunrbcrud, cxccpt for cncu$bfdncs

wll

dend gcnerrlly

e utl o drc Prcpcny geln$ ll olt$

nd

of rerld qlfl\tntc Junsguon lo

LornbfEs unrlonn oveDts tor tuuonl u-(c 81d n,n-nltorn uruform \curly ln\tn.Itrent cowrtng rcal

THIS
LOVeruns PmPcfty

Escrun lteus, Prepayment Chnrgts, nnd l,te ChargBr Brrnrwrr rhall pay whi'dterdit pgrpal PorP4l ot, rd rn(crc\ on, dc debt wdtrxd by dlc No nd dlry
prtspyrent gbrsc pniucrt t0 Sc!01t rurrrlcy However,

I.

UNIFOBM

rd Lrder

c-ovcfunr od grec s rollow\

d 3 I

Brrowu hl

thtt Selunty
vcd bY

ller

tlrts secunty ltr'tuunte-nt

<rr

pertormng thc covcrntt nd'+rccrnqpl4u 'by tb'r seruny hLrlrulctlt

/L
FamrlY ,o UNI'FOFM INETUMENT

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-

'i

Fwm 3048

Plgt l of I 6

MEBS

VJM d{ h

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Err,ept ar rtterr*c des,nbed ul rs SecFon 2. 8ll tu rlrc lolktwrng order of pnoty () rnerrs! duc Sl;ch prynuns shell be Note, (c) n)uns duc ulldcr SIlon rder ln whh tt beunte dut Any rltlrurlE mouns slll bc oter tnounr duc undcr rtr Secunty llrulncr, d cn r

d*

ll

bc

rpplcd

, tlrc

orrowcf tor a deltrquortt Pcnodtc Paytrcttt whrch tnglude-s parcor uay bc ,rpphcd ur c dchrrqucnt payntru rnd e nl r$ outsurdrrg, lrdcr rllay apply anyprymcnt ratvcd tmut ymunts tt, nd m dl x(t[ ut, cnh pryntcnt crn pud tn ftcr the payment r agped o fhe tull pyuot of onc or lnor

hd r ny ll c.harys duc Voluntry prtpdynEnDs slEll bc rct ar dcscnbed tn tc Notc prorerg, ur Mtclldl{uq Protetd$ to pnnttpal duo undcr u dtcr o chcngc alrg rttunt, <ll de Perlrdrr. Pylncts wcr slull pay a Lildcr 0n rh dy Pcnodtc Pryrnns re due ll, r suur (r "FundrJ l() pfi)vldg lor payttunl of alrounlr rhc whlch cln anatn pnorty ovcr tjtrs scunty !tntrulrrot as a len und ctts on PmPrty, lt ny, (s) of {.lrrtr 5' ard (d) Mortgage lnsurancc prtntuols tlt dt pynrnt ol M0n88e lurdrre inrruns, At !n9! lerttr ft cllcd "Emw lcms or cuorr prenllunls lU Corytrq wlll,rte;?rovr'soS ot rhc ln, lcrder may rqu1r rhar Connnuruty Asoctot ongurnon or t afo uinc.{unig Oues, fees, tnd A.s$snndts, rtriy, tmwc by Bonor,wr, lrd suh ducs, tc nd rpStm*s shll bc n Ecgrow t6m mp$il.p'redy turmr r{r Lcrder ll dorts\ ot nounl\ to bc pld unter s for E*mw Ile tns unl*r Llrdcr wtvsr gormwer's obllSuon Setnon BorrowcrsbIl trdcr ruay wrvc &rrrowcr' obhalron to pry lo l-cndcr ro py Funds

trLumbra lo f

ru

"

rrd,'*hw pyblc, th alnuns due.lo^r roy Ercrow ltcttts ad, rt Luder ruqurrcr, shrll funuslr to l.cdcr 1o whrch payrucnt of Furrds hs borrt *.rps r"idir",og uch paymeulyrOnr:llriic ppti'c, \ lrdr ruy requtrc Bormwr's obltgalron to nuki stch paymcus nd to orovrdcindshc[-li ll pumss be detlricd to bt . govclun nd grefint lt ' tr urcd tn Scuon r,orrrd rn thts Borrowc Jls K pry rl Borrowcr rs nd pay \ur,h anount d nourr( duc lor n

for Fundiforanytrrall such watvcr, Borrow

Sccq obltgated Es

AilySchwalvcrnLlyorfybel\{nn{ lncevetltol

Borruvr
Fsnnr

t^o"a

/1/n
INETF,'ENT. MESS
Pego E

Form 3018 l/01

lillo/Frcd

ol

16

"--

e.Jt362 --: ct

W.bl

hrgc Borruwcr for h(lldrng urd applyrng the Fundt, lrnrully rc Escruw ltonr, unlss Lrnder pys Bornrs lnr$ on thc nul sur lurg Urlcs\ n,grrtttlt nte tn wnttllg rd on c Funds, Lrdcr shull no! bu rqured ro Fy Borrlwer ernd ltdrcn grec rn wrttttlg, howcvel, uc rnen shll Bomwcr, wrtlou chrgc, r ruul counilng of fb Fun\ n cr,totv, as dfincd undcr RESPA, Lcdr dull lcount t0 wr R.ESPA lt rhere rs shol ug 0l Fu\ hcld rn esrow, rcqurred by RESPA, and Rrmlrycr shall pay ut Brrmrwr drorugc ru r,cordrc wrth RESPA, bu rn no morE rhn l2 t Pulds hcld rn ecfirw, s dnd undcr RESPA, Lerd* nhll Bomwur slull pay ul Lsdr dle,rrtuttt nrdb$lry to n8k uP

tirc
gnrund rcns
thc cxten
Quthe

Borower sbll pry lll tax6 \\c\'rnrtlt, chrrgo, tittas, ll tmposruotr wluch can acln pnonty ovef r{ Sunry [tsrulrcnt, lerehold p!rpnLs ol

f wlh agrwment, ) utnertr tc hert

tn good fatth

wcli
Borower () to lnder, bt by, or detcnd.s iiren rn, legrl pnx.drngs whch lu ndcr'r optron opr to osc pror,rdrrpr arc pcndtng, but only unul nr:tr proccetngs arc Pfvent e Irerr an agrcrrent \ullrrry lo Lrnder suhtrdtnaung dtc cour,lsded, ot (c) \curs frdnr tld Iren fo rhs Seclnty lnsrnitr/ ft drar any pan ot rlrc Pntpeny rr rubecl to llcn wtrlh pnonty ovur rlussirnry Lr rrn LD rrSSnty ln.umcnl, LrdFf nuy grve Bonowr a txrucu tdclntytng e ltcll !rn pnonry Wlrhl n l0 dys of th drc on *hnft1{qtbucq rs glyhi,&r ower rhll ssly e hett or uke one or n{tn

Borrowcr Iutls
Fnn Form 3O48 1/01 INSTRUMENT. MEES

i
PrgeEof lE

wra

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(l

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i" tr. -

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Bormwer ltls

!,
'r.*.,."' .,,."br ld.bllrry ald

nunut rny of drc ulvtrle\ drrnbcd .rbove, Lendcr ttly oba.rr tnsurdnLe altd Bomower't expeo.se Llder t undr rp ubltgruon lo purthasc any vr4gc Ttcrrtore, surh roverrgt slull cover Lender, but mrght or nught mt 's eqty mrltc Property, or thc uontrfi,sol Propcny, agarrrs any n$k, herard mrght provrde grafier or le$rcr covcragc r wr prwrously rn cttcct Bormwsr

.-quer ur ll. ".

Bormwcr lruuls
FEnnI
INSTRUMENT. MERS

], 'i
ffi4' ts02 wwdqmtgoem ol
16

Fo.m 3O0 | /Ol

PeO.7

WlHd7E

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1.-.,..'

'''.,,,...,,,,

'r

_,,..'' ..,oterwne gfes

,.,"

m wnting, whrsh n$nt shll not be unrsorubty wrthhcld, or unls cxlerutf0g cqurnrunces ertst tlhrch beyond Borow'r soml ''''"r t .d'rf Mlr.n oill Prohctoo D.rdli ? thl ah' Fopenyr 6rrv f nsdrnc BnffiPl $h{ll \hll fil fftl Inspstlons' Borrowcl ol Mnlntnan sud Prervadon,

1.

.""',,-'*,.j,*r*rrnor'rePropry,llowcPoprrrytodeenortcoLornrnrtw\rondreProprry ''.,...r"' .,."1ilh$cr or not Bonowcr rs rsrn! rri c Propcny, &rrowcr \hll narnrn dre Pnpcrty r order lo

:- ,."yr$ium ro $glon 5 ther reparr r)r srdton rh not ccou(,rnrtally tcartblc, &trrowcr shdll pronPrly rtptt' 'r''' ,tc Prauv if dnuted to vod lufl}cr docflofoon 0r dlnf lt rnrurx,c or sondernlutrotl proccd.\
d rcstorton tn ftulc pyultt (r ltl \tne ol pfogr\l Fymcnb d. fE llot \utfocnt t' fcfratr or ectorc tllc of Eonoryer'$oblgdgou t1 rhc 0ornptton ot suth plr orstorll0n

usrr or codcmnfrofi Pmrocds Propct,

tlrehopertynnd Rrgls Undr this Security Insrrunent

1l rs

(a) Bormwer

fuls

r legal praccedtng

Socunty h$rutrnt entorcement of llcn

regulauors), or (s) Eonorvi tas

grccnlcn\ Lonlnud ru thr.r Sclunty lnsrunrt, (b) therc attect Lndcr's rntres! tn drc Propcry tld/ol ghls under s brnkruptoy, probtc, tor t{t[demtruon rrr loflelurg, lor pnonty over t\ Scruly fllstrurent ot ro cnlolr lws or d ihe Pmp.cny, cn Lcndcr rruy do arrd pay tor wlutever ts hri rnrcrtr.l rn rhc Pmpcny nd rlhn utdc tltts Serunty drc v4c ol h Pmprty, lld <ecunllg and/or nparnng llen a IIen bY sccued Dy tl8 dfiy ll8 drly $ull\\ sggufo
c) PYl

ry

rSoruble

amrnrYr'

\mfncnt, lnLludog lts scourcd rt nof hnled o, erucnng tc ws, drrn wlcr trom plPcs,

Botrowr llluua

4ff_
INSTRUITENT

i' i'
. MEFS

PtO6Sqf l6

', wv

ffi ttaz doctgfi asm

9dlE

r rqlrd Mortrr fur4u,c ds rtndtl0n of llukng c red (o tInurn drc Mo.r8 llltufnLc rn cf tccr lt. lor:tty rrcd by lnderceassro b vtlble trout the trungagc tnsurer Bonower wrs rcqutred o nule scprEly destgruted PytncnLr e, Bomlwcr shall pay c ptuums rcqutrud o obutn covcrage urncc prcvtously rn etlclt, t d tosl subsnllly qulvafellt l0

nurc prcvrously ln ettEr,l hom

an lrnrc nEtnggc ]Lsuff N Mot? lll\uflrcovcrgc ls llor vllblc, Borwr {ull prtcly drtdgynEnLs t wcrE duc whert lhe losurEs I cp(, uc fd raln ese pynents s trnlr-refudble loc h loss rcrcvc shll bc mu-rcfrdble, notwtdcndtng drc t ldcr \hll ol bc rcqurrqd ro pay Bonowcr ny lnfrt\l 0r

to nukc reparatcly destgrud pyntr tnwrd e prctruura lor MQn8r8

lnsuraruc,

ttre ptenttutns regurcd m

mnun Mongage ltlvleruc

rn ctfecl, or to pmvrde

r nrn-rrfurdal
ny

wntcn

rcqurred by

Iodcr's rEqurrDcn for Mongagc ltlrurre ends tt cordrc wlh and lnder pmvrdlng tor suh fmx|uton 0r untll tcnruntln ls rn ths Srton 10 atter,s Bonowcr's obllgauon lo Py tDtft t t
any ennry that punhds\ dlo N0c) tor Lcfilrt los$ lt luy fi li' Crd Borrowcr r\ ilot py to ttre Mongrge lururn theCiorcl nrl on ll suh t[curr ttl forLg trollt nr kr une, and nuy d&luro or rnndrty therr nsk, or reduc lorrer These agrctntenlr

rrcur
Dt

rl Bonowcr
Mongage

rnr, gruuncna

Boower l!frLs mg9

Fmr
tJ62
@

INSTFUMENT. IIIES

Fffi:

Fsa 9 ol 16

W.J0l

6!

 gngledubufsefilOf t gen\ Ot prur\\ Fymenls \ thc work tSConlPlced nude twrngorApdt1bls [w rqut.\ tn!rvs] u] bc patd orl such Mvllneous 1r1 Ltder Shl ma bc rcqurtd p pay Bormwcr dny llltrcsl lrr emrngs on uch Mr.sclhf)us tl.fc rego4uon or rcpur ls rnt crorElnuclly krblc or Lctds'r scclnty rrould bc lessencd, qfteo5.Picihts dult bc phcd o therus c,ud by rrr Secunry lrstlurettl, vlErhcf of r)t Boowcr Such Mt

rg5tortloD rn
15

tTrEt

ruclon, (,t kris tn vluu o dus Sccunry I rlsrnmcnt,

Bomrwsr futls

,49
Frnn
Form INSTNUMENI .ERs Pogo l0of

ItAz

ww'@ffiF9ffi

l0

Wfrdl0E

tlp

oce Ey Lender Nol a lYetve. Exrcnton of c uffs lor suns ser,ucd by tlrrs Secunry lruern grantsd by lrder Bonowcr chll not operd to rcle*c e hblly ol Bormwcr
rhll loa bc requrrd to conuncL pro(cedttgs sgdtnl

'\.'.'' ..''
..,

ldel
.r

,.1,

(c)

gee

conwt i..."

h Ptoptrty under tle ltLc ol ts to pay rc sunrs serurcd by tltrs Serunry hLstnmeflq nd ioor Borrowcr Lau r t{r cxtrd, modtfy, forer or makc arty c Ers$ ot thrs Serurtty lnstrulncllt 0r de Notc wtlhou! the ur-ngoer's

convcy

c corguel's ltlttcst t

ny SuLLe\\or

lll lneresrot B)rlo$'gr who

.ssuntes Borrowcr'1

ln wnnB, and rs approvcd by l-ender, shll obutn all ot

bq lcgsed tmnt to such rcleq tn

f0vld

lD

Sec4on

n corulegtton wlih th+urpqrt ot#tcct!lg Lcnder's Lcnder's rntcrsl rtt the Pmpemy and nghlr under tfus Borrowcr's defult, lor Bonowcr's tor theturpq$fotfltctlng Seurtry Instrucot, rncludrng,tiu,qpi.lrrud to, anonrcyr' fees, pmpcny lll\pecurrn dnd vluatlon tees f n rc3rd to any oer fs,"th'i..ioib I S"ph" authonty rn tlttr Sunty lnrtomerl to clurge a specrfic tr to Bororv sht oo! bc c4utcd $t'rolirbrurrn ih tlc chargrrrg ot such tet lnder my not chrrge or by Applrcablc Law fees thrt rrc cxpressly probrbrqd y.s

charge to he

pcflncd trrut, end (b)

(lvbcthcr or uot ptpymrnt charge ts returd uude by dtrcct pymeDt to lruve art.tng our ol such ovetchargc

bc ted s prt!l prepymsdt wout ny pnlvded fo under e Notc) Borowcr's

r,er wtl] Boower wrll Lotrstrtu Lou.lorue

l5

a wlvcr watvcr of any nghr nght ovtt Notlcts Alt noos glen by BorrWsr

htvc

been grven r

Bonrcr

whn mrlod Oy

fint cli*it,ofwtren ,i'ru"tty devered

o Borrowe's nouce

Bornrwer luruls
FsnnrE ME/Fr.dd IN9TRUMENT - MERS

Fm3046

1/Ol

P{all

ot16

vrlsly thc sorlspolldrng rqurEnrnl undrr thlr Su,unty ln{rulrnt ...16r, overrng Lew; Severablllfy, Rul of Constructhn Thn Securrty lsumcnt shll

iq rhis Scrunty lnuufirn d] sb1clt to dny qurrcmcntr nd hnrtrtons of l-aw nght cxglrrrtly or rrphcrrly atl0w l pnt$ lo sgru y r00tr4!t 0 tt
rlause of 'mYrsron

Ctll ot be nstned as a pmhrbrtron agrr\t grcctncnl by co[trr n ls Scr,uaty lrt\u.rtrcru or dre Note u)rttlLL\ tt rtfi Appltabla Law, prevl$or ol us &currry hltrulunt o Jre Notc whtlr cru be gtwn

gy..lrrsuuluent (a) words ot rhe nucLuho gurrdcr

ilrLlude

*ull

nvn r trr,lide

lly ct(lI

l7
l.rtrument

the ftoqky rhc 0, those brcficrl \cruw gfcrrnt, c- rmcnt ll all orary part ot

tE.

or.ti

lntecsl r Borrower Ar urod rn ths

Secuon

t8,

"lnrest

lr

ts trot

ru$n[

persorr un.e

rnerest rn re Prrpcrty, rtoludrfig, but not lmd botd lor detd' corurdtl hrr dccd, tnqltltcnl .it"q rolrdct 0t th lI|-\fer of trtl by B{rt mwrr ,rt lutuN dt to ,t puchgr hrterqst rn ttrc Prupcr ty rs \rrld or tHll\ftrrd (or It Bonower rn Bonower lr sotd nr tlrlcnd) wtthout lrrdcr's pnor rn tull of ll rutns rcr,urcd by tltts Sccurtly by trrtdrr rl s&h (ct\e t\ prohtbtted hy

gnrvrde a penod of mt less than rc'drc utuL r\ grvrr ur urordln( wtth Secuon l5 thc(e u, py thC(e rl\ruilreilt f t Bormwcr tIls U, by llus &cu4u lllrtrutttettt wttlil r whtch Borowcr mrst Y qurnq Glrtdc\ pcruutud by lhrr &cunty Pnof to r SxPrflron of rr ilent wrlDoul or almE on o wlbou! turltcr tuthcr trouse trolse of lnsrnmrec Ut Borrrwcr rnceL\ Lerttn cndluotll, Bomwcr' Rlghl ro Rdmte Afler lrrrurncut drvttnglud t ny tlm pnof Bonower shell hw c nght to havc elforccmcrlldf lhl\ ur rry powcr ol rle conutncd ln thts to e hest of (a) vc dryr blorc slc ot Jb krr te Gr [ruon of Borro\er'( $curty lositrumen" (b) $rch othr pcnod lftyruillltt Th{}\d Lodrttors d tllrl flght to rcrrsue, or (s) crlry ol Jd8olrlr I Securrty lnqtruntenl rd rc No Bonowr (a) pays Lcder all,sus whch then 'old be ordgremenl5, (c) py ll \ rl o dcLcleruon hd ocsucd, (b) cur any ul r)t nrlrd o, reronble auonpysl sxperus rncurrcd rnenlorr,tng rts Secunty ltrtrunenl, prFcnng kdsr's kdsr'r lor'tttru purgrsc oi procnng lee\, propeny lspecqon crd vsulon fecs, nd oEr

t9,

rnlst rn

e Propcity

rusorubly

,rnd nghts undEr lls rcqurre m aszure tht lndf's t(ra\t rn

Socunty th

acuon as
s

l.eldcr ruy

Se+unty lrsrrumcnt,

Eorfowe lrugls
Fanns Form 3O48 1/O

nl
INSTFUMENT - MERS

Prcc l2 of

le

wdt2E

..'

:j'

...i

..

ured by tlr\ Scutly ln,'luleDt, \ltll Lotllnue utrchrngtd rlEwnt \ut]l1 dtd cxpe$s tn ot or n0re of e toll0wiltg otey or, (r,) gcroficd thLk, bl Lhecl, reasurer's chek

dowtt upirtt r tr\trtut(|n who.c dcposrts rrc truud by a Furd.s Trutcr Upon retrutament by hguonr returcd hereby slull renutn lully cttLllve s t llo th rctn\u slll nrx apply n the c of celcfnon undcr
rs

or (d) Elcrurut

Scrriccr Notcc of Gnevaoce Ths Nuc or parttal trucrart nllll) ctl b cld onc of n llllci\ wttour pnor mucc !r e euory (lrulwn rs e "Lolt Srvlcr") that colltt Ponodtc unty ln\]runttt ttd pcrlornl\ tcr rtun!ge loatt sewtotttg rrrcnt, and Applrblc lw Tltcrc h0 nttghl b onc ot ntoru rsle of drc Note lt llte t\ d cbrngc of tho Loan Servtcc, rbangc whrch wttl st l rune rrd ddre\s ol e new ln ould be nude nd 0y ol rntorrllloll RESPA requrru ln

rndrvrdual htrgantoi thqiuernffi ofa clap) thlt anrcr fnrnr the orer pany'\.rc(rorN Put \unt to.trs Sunly lnsrruncot ur rht a[tegr.t$r oor.iigry,h* bnachcd ,ny provrson t)f , or dtty duty owd by reason ot, fhls ScLuny ltnrhrir, unbl suh'Boripr.cr o Lrder hr rnufied thc orer pat ty (wrth \uch notrLe ttvcll I 5) ot such alteged bth rd tkrrded dtt ulhr pny hrtlo to rr urrrLuvc ctroll 11 Apphublc Law proud* a re*onble pcnod afr cn br ukcn, tht uE pcnr wtlt b drned o bc ilme pcnod whrch mus! uoo(, ol scplcrauon ltd opportuuy to cur gvn lo esouble tor purpo*s ro Bonowerpururl Setuolt l8 slull &rnouer pursunt Strtron 2 nfrc lc g0rerlrv r,ron Pmvt\Kltls ol rlrt Secuoo 20 bc dccmi to sausty tJre nout4n.opf trd'secuon 2l (a) "Hrz:rdour Sub$urres" e o'c substLcs dcfincd Lt lorrL or pcmlgunt pmduL{.\, toxg pesucrdes nd lollowrng subsnc* r.\0ltnl

rdrt ton, or ruttoval acuon, s defid n

rrertS

.i,rnd (d) arr "Envrnlttnnnu Coodtuoll"

cpudUon tht Cn c.u contnburc 9;'r rlwr.c,trggqt an Envtro:urtnql Oeanup BorrOwcr shall otdsc ol penJt thD qrscn(,fr t:S'lq*jl, rtotagc, or rolcarc ol Uny Harardogs qol d0' Sbsoces, o thrsalerr to rrlea$ any Hrrardou{.$ubsiltoes, o.lr rn rlc Propey Borowcr thll t vroltror ot any Efvtronllrnul rn llow ayonc ctse to do, anyrhrng rfrecuug , PtX,ry Law, (b) wfuch crtarcs n Envtonucsl Cordtnn;'[r{i,),rqiucn, du'o re prur&, ust, or rlc. ol Tlle precldjng rwo HzrdoN Subscrle, sctx sonduon ol Ha:afgous 0l Ha:ardous

thutadven+ly,rf

)tntconre of

lllsTBU]ilErT - MERE P'go 13 oa I 6

W.gl l: rd

d to ct lht defaultr (r) a dale, Eol lcsc fhll 3ll dts fbom thc y vhrch te (full musl lc curd d (d) tbrt fallurr lo cure dst sprfed h fhe ootcc rftiy rsljlt ln nccdentlor of tbe sunrs securd gla of tte hopcny n( publlc ,rucllon nt a df,tc not ls thn 120 dys Borower of lhe ngbl lo ttrtstete aflet acceleretron, thc

rlght to bdng

'co_rr.

uSOiTo

*l

lncludhg, bt nor lmitt

tf Lrdcr invokcs of in evcnl of delolt ard shnll tle zuch actior persoos s Applirble tw p{blrcatron o f tbe oolcc of grle,

punruurg ale rtider provlded ths Secton 22, fc nd cosls of till erdccc ershrll rve wnltc rrotc lo Trostec of lh? occunce lo..*b lhe hopeft.v lo be sold Truslee nnd Luder d'nd sll give such lolrccf lo Borrower nd to olher

tlme requlred bv Applcable Lnw nd nfler on Borro$cf, sbrtl scfl lhe Propertyrt publr

orden (n) to ell expensrs

o? the sate,

hclu6r,ut b'O'itt"ifsd'to, i!sonble Tnsteers

lha

sums secured by thts Secu-lty gnlly enttGd to t or to lhe csL ol tle Rcoveysnc Upon pcyment f ll unn rcqucst Tnsrto rsonvey Plopcrty t shll dcbt surcd by ls Scrunry hstnmcn! o Tru.see

fns, O) to all

23,

n whch the sale took ptrct. Secuttty Lumrmcil, Lndef \hll ,rrd rl I noter evrderu,tttg

Fnd nltorneysi ercess to lh prson or Fersorls

Eonower fruuls

Funp
Porm 304

&9 t2
INETFIJMENT. MRS Pego 14 cl

W.EdLo

$rh prqlll or pcl\on\ slrall y

pay

ary ru-ordatlon coss

and

n wtth Appf tcrblE [.rw, Lrdcr ouy lfom ttme to umt6tlnt hercundr whrr lr eqd (tl ct Wttllout convcyantc of thc to ll u utlc, ptwer tnd duner urnfcrred upon Trusce tercrn
rs uot uucd pnru..rpally

br,rgncultural purposc$

bg cnutled to Lovet tts r\otublc

comc\'

lcc8 and cosls l

ny n of thtr Sccunty [n\trunEnl The leml "ettonrcys'

mgIn, shll lltcludc wttllout htrrltloll dlfo'fltys' tccs lnLurrcd
on PPcl

COMMITMENTS TO LOAN MONEY' EXTEIID M ENFORCING REPAVMENT OF A DEBT ART

SHINCTON I,J|W.
ccpls lrrd dgro\ lo
tcd

tlu tcftltr dlld covrldll crnulncd Bonowcr and rt{'ordcd wltlr tt

ts

'-;

."

."
.

': .at -/ :#it$tt

(ser)

-bd,tiowsr

-Boowr

'-"fl'11

J ""'r ij j.r'.i
INSTFUMEN.

Pt0c lE ol

MEBS

16

'',.\ "'

,, |r-wq

to+6a tt62

vral

C lS

lmlrtr vz>l
.,.j'LlsA'M. WtNNtE
Nrrury Pubhc ro d lor

.rdrnst

fWf/U
e"pos

tl sue of

ffaslngon'

tf{lnnio l-isa 't'

(Sct).,
!

My c.mrmq$on

UY'O

INSTRUMENT - MES

Prgel6oll6

,,""'

wwvNg
..:t

849

|tgz

W.{

ld

tOf-faS

MEADOryS DvISION 3, accordlrg to the platthereof rerded

n Volume'17 and PtaE,

Exhibit B

201@729OOE2 O7l29l2O1O 09:43 M

ELECTRONICALLY RECORDED 5
66.00

sNoHoMtsH couNw, WASHINGToN

.'.:.-,""""""".'. 'r ll0{lGl Notlc. Of Sb of Trueft I rutln t ''Riuanrttheucedcooe of washlngilon e1,24,ot 3eq.

F
Corrthouro, Sooo Roc , Sffi of WattirEbn, onomr) wlll sel at pl bllortirtg dBcdbtd rael
impoaed by trc filabe to potect fts lend and cale. dre rE nd bt and bild<ler, osnable cd Hdder. Pa}abl et m of cala, cogffioc) of Sndhomlsh,sbtE of Wathingbn: TO THE PI.ATTHEREOF RECORDED ISH COUNTY, lNOTOl,l.

Tot Paroel lD no.:

lN VOLUME 47 Al'D P|TS WASHINGTON. STUATE IN THE Commmly Knonn as:4819 f 3TH PI-ACE N

IOT 5 SOULTES MEADOWS

recortc of Smhomh County, Whingon granbr, to FIDELTYTILE, asTruttee, to sasre a ELECTRONIC REGIfTRATION SYSTEMS, INC., rme assned byMORfGAGE ELECTRONIC REGIST
LOANS SERVICING, LP FKA COUNTRYWIDE HOT Asrnment/Suceelvc Ascrrmenb rcoorded unde Audltot'e

_,

brof MoRfgAGE bcneflchl htdtst ln which INC. b BAC FK'ME

LP, urdoran

of ro oblgdon l arry cuil by reacon

stufd byfio Dd dTru8t

h6 Grentofs

or Bofiotffio ilebult

Itq:!!,

..1

.,..! .f .,,.lt,*qttthtyPyfn tr

923,?57.6r

$fi0.80
t92.00
(11,220.t{}

$0.00

2r.7r3.9

$z.oo t962.00 Elo.s8

s0.00 s0.00
9100.00

Or potrthldefaul
dgfenlb must elso be

OTHEROEFAULT
.lon

payment of Taxes/&smenb

rlltxc nd

Defautt under any eenbr flen

Faturs to nsuro proprtyaganst hazad

Wslo

,.,-' i'. ,

brsoldtosdsrycxpcrrcof thessle endtheoblntlon asrcnrlddbyoffite- Theawi[bemedwtthotunnry, tla, poscsrlon, or qmbreflcss ott 10f291I10. The dshu() itl paragraph tlt, togntrr wnr anytubgo$rnl pqylnnb, lrte dlrgeq E/ars coob nrcgfrei ttus, mmt-bo crrrud bry 1W1E 2010 (f f days bsfor h Eal dat), b qfuss.e
ptfyr$

feea-ftfrSaf6i

brmlnalpd'an:

0 (11 dyt b6rs tho Bdo dtol, and befolo thc rale bythe or re holer d rry cglsd jqior llen or encrmbence nying saarsd qi th Daod f Truat, flue cosb, feos, end 'to ttra lerrtc of tha olon and/or Desd of Truct.

h enysrbsequsnt pyillnb,lde due, edvenots, colu and tire Trueteb s rtd )sb ae pH. Tha calo may b

vt

Awrltqlmtha
Grtratth
bybothfkstc{ass

"'1

by

he Sensdery

or Truste to ths Bonorvor to sedlpn vl).

ntl

n racat tcquetted, orrgfisrd n1ail on of he Truetse: and on ffV0920@ Grntor and

Tlre rugb whos neme anO addifC "'f"ntr.i""u/ podde in *ttitng .any'me tqresthg It a stabment qf all furcdure chf Fd irutdts feee rc d..pny tlme or ssl.

Thc fiot ol the sa wil be dtr Grarts of ell ttF rlghL lie and lntenest

o in

vrt.
fri

""i wl ld
pfperty,

by, trough or under

ttp

Anpne traving any oJocono to tho de on a

opportur*V to-bc liear as lo ttroqo CW et,.130. Fallun to brlngsucfi-a lnvelHatng the Trueteab rale.

obleoons latut

8r lo

for

x
NOTICE TO OCCUPANTS OR Tf{ANTS - Th

lffiffilo
eubscribd b wihh ln hblherfthok authortsed authorEfit capecity(lea), and the enti upofl bhlf dYt{ctr

mo (or prov6d to

b/a

mt

, pcofdvkmwrto

rtaryEldc,

urho8r namds) xaud lhe aame

exqtad the smc ln hhltr/$br on tfie lnsfijment s pcton(t), or

holrEffimail.

,.. I
.j

Flrs lE00) ztl{Zte Ant lbr trfc. of proccru

RECOI{TRIIST OOIlPAllll, ll.A. P.O. Bor 10i4, Vrn iluyt, CA 0lll0{,1{

Clhnb BAC dprcJdiu Sarvicb I,P r'!.

"a'....',"-':"" "'''"' ":' "',

,'

t"t

,'"t"'i

l{ w.rBryo Oltrpl.,W et502

CT Cotporao 8yrem

llllt, s 20t

FlhNo, 2lXlg{13,12

i i...

,j

.'"

..! j

"'.....'

.....

Phonc: (t60rt57{?4

THS FRII t|l ATTEUPTTG TO COLEgf ADEBT, ATff OFOR$'T BE USED FOR TT{ATPURFOSE. T1IE DB8ET FORII{ OI{ THIS

WT}I A iIRITIEII IIOTIC OF YOUR Df,'PUTE WIHIII DAYS OF TH|S NOTICE gErnilG FORll THE EAES OFYOUR DFPUTE. lF I}EB III WRMilC WITHIII 30 DAY8, YYE IUI OETAH flD HAYOUR ORIGII{L CREDTOR, U TIIJ. PROUE YOU YYM{ THE }lilE fl O OF THE ORIGIIIAL CREDITOR IF YOU REQUEET TI{I3 IlIFOililNOil H

DEI

TO

Y(ru. F THE CRESTOR IDET{TFIED ITI THFNOTICE F

30 DAYs.

ii"r.,,1.'...
4SlerodihHft'
Marpvlle,
V\l.A.r

JBO'D.BR EURil

Exhibit C

ELECTRONIGALLY REGORDED

x9fF170053 06/17r,09 09:l AM

15-00

SNOHOMISH COUNTY, WASHINGTON

TS No

(rt

tt

o o o o o l\

G'

ieegnailry,
ts the

an<l

trugba, and

undsr thd ceileh dsGd of ust

d'@,
r-

btho and ecordedstJaalnQ&

,.

Camty, Washhgbn.

unrAudl,FeNo

,rGddsol Sfiollomb!
..r.

l,lotv thercfore,ln vlew

d e

prernee,

he

COiJFAIS, N., wfioce

CA Sl{,1, ac succ$or

tug,
namo

effEr

ftrwth.

ln whrces whercot, rc wtdersned ban b be slgnod nd effid harn byn

:,

IJIORTGAGE ELEGTRON]C FEGISTBAION

SISTEME,INC. Bnfioiry

prllc, prrrally

o(lcutd theeamo h elgratn{) on o insrunflt' aplod. excouted e hsment. my hard nd ofciel sce.

d sdeilectirY-arca) to be the hsmcnt anti Ed(flowlilgpd to me at r auorlrod oapaoMc8), nd tnathe&hs/ry trh/her/lhelr cDecrlMb8t. and td brr -ol
aats

it hy ibqt bcrraf

sidl r p*ronls

;:H'=JL['J.r ;4ii#;i',ill
I

I 1..

"..,.t" ;.'
.j

j i i1-" i \'.r '. t-.-.,.,-.i''t"'t'

J..

i.."', i,.,'

aa

:'

-":..'..

Exhibit D

ELECTRONICALLY RECORDED

201003300560 /:1012010 o2:09 PM

I
14.00

sNoHoMtsH GouNTY, WASH INGTON

ltiNo.
WACE AEO\IE

flS

UNE FfN TEOORDRS UIg

SIGNMENT OF DEEI} OX'TRUST

Y GRANTS, ASSIGI.IS AND TRANSFERS TO:

(o

art

8 5 N

ROME I,oANS SERWCfiG LP

DEBD OP TRUST DAED IAI+aA0,(ECUTED TO FTDELTTY Trfl,4 TRUSTBEAND IZNIaOO',OF OFFIC1AL RECORDS IN TTIE STATE OF WASTIINOTON.

RECORDER'S DFSCRTBTNGIHET.AN TOCETHERWTTTI TTIE

CT]NTY .AI{D TO BECOME DrJE TI{EREoN

Wm{ INTErT,

UNDERSAIDDEEDOFTRUST/MORTOAGE'"

tL .i,." ^Nb .,,..." ....'

IN SADDEEDOFTRUST REFBR,REDTO, T}IE MONEY DIJB *OrmS CCtUm OR TO ACCRIJE

DArE

dQI lC
i

ia

RF,GrsrRArIoNsYsrEMs,

srcof:

cAlJKnNlA

iET'4-:
b rc t
instrumsrr

mo on

ho basi of

rchowlcdgiod
b/EFtqt'cxccrtcd tta sds inbblb/thch atorlzod

Wlfirrs my

hand ard offisEl scd,

ttlldrelte I Milcr

Exhibit E

ELECTRO NICALLY RECORDED

201102170918 02J17n01101:50 PM

5 60.00

sNoHoMtsH couNw, wASHINGToN

Srlc
@

(?
C\

e of Vllashington 6l.24,

d sec.

o
ct

RECOI'ITRUST COMPAY, N'A' ott' ,barloc to thc Snohomqt Coun$

d

o N
,.."
*'.
,

comnronv Kfrovn 14819 136TH tJ4CE NE ,M+RYSVILF.jWA 871

rucorded underAudltod. Fllc No, ENOTNX A SINGLE IIAN, AS

on

fln1 n}5,uftd'r

lNci:"b
gEnno g neo by Mo K RT_GAQE^+[C]F9-ry!9 l ri'\tiE CLtrvr ttNrv taE\tltJt I Oy:Mt was aee Weg
:

r Bre benaf,chlntert ln whlch'

I

favor of,MORT.GAGE

Aoslgnment/Succesive Assnmants'cordd

ts:

nvi Ns, Lp FKA couNRYwlDE tlot

VsTEMs.. tNc. to EACl'louE LP, undar a[ 003300560.

Noaction oommencd by tho 8onefiary of

il. $ tbd-of Trust nqy

ecurcd u! Ua qeed of Truet

i"

33,336,01
$110.80

0.00

(si,226.40)
s1,4{i5.48

$I41
D137,0

s002.00

oia.zs
$86.00

$gsl.34
8200,00

OilERDEFAULT
Noriplyment of Tax/Asetssmnte Dcfalt under any olor lien 'Faifurg to lnurc property egat Deliver

hard Fllvr.b

Whote

tv.
'lnumfJwlllg9ll ul!(Jul The'eun ofling on hc
.

ls: Prindp rrHrc.r...Ml' Oeed of Tnct by thc 9y ul9vwuvr obl oteoficrlnBflmgntsca{fld oficr lnEttmgnt scoud lterest ae p mofrerwlUtlterestaeo mOfref .ote "lUt t Jl3 ue unOer th o i'odtinArument cecured, iffiijt
a-B

and

di

PYf'ori :_ i''."
-d

1.,.

':
t
i.i

ii,

v.
ry

rel ptopcrly wrli Oc solC b eaf! re expnse ol [1 s8 eld he oatlon oeeo oiirEt- iovHd by stfe, rhc selcwll -q1*-{po{I?Tfl;

on 0S09f201 I (1 I @s belort 0r sa dab), ttn dcht dts(s) aot wir anv suboqucm pvmcnt,lab crgcs, advtlc, coeb ard and te fruate'efEi and coeu alr ld. Ths sale mey b
inE

by

i hactrement to seaion vt').

of rcTrueto; and on rttsn mtloe of default or thc wttn notioe.of dcfaul doscrlbed h paaSrsph I abovc, nd hc

vt tle Bcneficbry

or Tnstqo to tc Bonower nd

t..ar.f"

..t"'' ....'t'""

RCOHIRU8 COFA'IY' N.

*,

S r-, yllr*ltB

trr

gftrsrllEulJ|fln
u0CIISt$lr

lt:M
TTC5IT6f,Effi
no,tery

puulq

,
in hiB/hDelr
a'rrorized

prsnelly knontn to

e entihi pon bmr

'coilTRus

coilPff , N.

Vrn NuYl, cA 9lflO'{r2t'l

Fonc; (800)

P.O. Box tOz

Z8l.t{g

Agtnt for r$rlc of Procsr: CTGwponon SY!il.m Olnnph. YlrAgtlO2 Plpnr: (t60) t67784

lS01 tcet BrY gfYe lllfl, 8b 208

ESUNTO TO BE VALD U{LETS YOU DISPU1E THE DEEI'I irii A unifrEx roo oF YotJR DlBPt tE wll]llx to DA

rtNS NU ls ATTEilPnNG TO COTECTA DEET' A]IY gUsED FOR THAT PURPSE. IE DEBT 8T FORTTI

YNLt
BE

'al8 oFFCE
REOEIPTOF

JACOB D, BRADBURT{

18f9 l3dTH HEE NE MARYSVILLE, WAg8271

,"'.i ,. " :.

Exhibit F

ilt

ffi

llil illl Iil lll $ll llillllil

llH

1[l ffi n ill

ffifl*fil-nll ffi,*o'in

rsvo@

SPACEAOI/E

ilII

LINE FOR RECRI'8R'S USE

oF DEED

or rnusr

BAC HOME LOAI.IS SERVICING, LP FK.A, LP HEREBY GRANTS, ASSIGNS AND TRANSFER,S TO:

' BY: JACOBD.BRDBI,JRNAS RECRDED AS INSTRIJMENTN COIJNTY RECORDBR'S OFFICB DESCRIBING THE LAND TIT TOGETHER WTTH TIIE NOTE OR AND TO BECOME DUE
ALLBENEFICIALTNTEREST
UNDER SAID DEED OF TRUST\,

STDATED La1|4aOOS,EXBCUTED
TTTLE,TRUSTEEND
TCIAL RECORDS INTTIE

STTEOFIryASHINGTON. SAID DEED OFTRUST

REFERRED TO, THEMONEYDTIE ACCRUED OR TO ACCRUE

DATED: 5n4n0lt Sn4n}lt

sunucn*o

Ii.

i....,.'"'

ING,LPFKACOUNTRY'I4IDE ING, LP FKA COUNTRY'I4IDE

"' ."-;

.,'

'//

Statc

of

County

of: 'of:
HAT

VENTUR.A VENTUR.A
.

CALIFORNTA )
)

2 6 tl|

u"rotr-c JE
'iiqqq!.pctc4
execurcd thc

ttut by hcr slgnature on e istumccrt thc persor ortbe entty uponbchalf ofwbidt insfiurc,
Witoess my hand and oflicial seal.

\a?

JAdI{E

t{otfilAt

'.,

0ommirtor f8l0tt8 " llolary Pubilc - Crt[ornft

it.

Exhibit G

'1v3715

Es
|ilfl
ilt tt tt ilil ilil m

ilil

ilil ilil

ililt

ffi

ilt tll

!. .

-l

ffi#ffff ,frr

ffi,,fr-,,i!F calovmaurFoRcoor8r

F r):.2@.pr{BJs4.e"*..,, Trustegrg
,

oegd f

;g

present Trustee under th8t Deed of Trust as presnt undsr that

d payment recited belotr,, hereby granls and

L MORTGAGE ASSOCIAT]ON, SS GRA'{TEE, AII f Snohomlsh, state of Washlngton, deecribed ae

REftGTO THE PI.ATTHREOF RECORDED

IN

I, BECORDS
...t*'^

OF SNOHOMISH COUNTY,

NHOMISH STATE OF WASHINGTON.

+'

'i,.,'

r-

"i, ...' i
;"

'i
;

RECITALS: ECITALS:

,;"'' ...,"""'-.."'i,,ri \

of sale, confened upon the 1.This conveyance is made pursuant to Ure poivers, lndurlit'i.rhe JA6B D.'BRAD[ BN A SINGLE MAN,as Grantor. to Granteo by tho certaln Deed of Trust betwesr JA6B'Q..BRADBI floN sYsrEMs, tN., FIDETITYTITLE, as TrusIEe, ANII I\IORTCTAGE No. 200512211 157, Bnficary, aled 1211412005 recorded 12LEOO5, BAC HOME LOANS records of Snohqmlsh Co.rnty, Washington and subt uirdersnohornbh county sERVtCtNG, Lp Fl(ACOUNRnfllOe HOne LOANSSGRUqtme

Audito/s/Recorde/s 2.

ment of one prornl88ory note(s) ('Not") h the sum of $200,S)0.00 with to tha terms REGISTR/ SYSTEil4SilNOed to seclre any thereof, h favor of MORTGAGE ELECTRONIC REGISTRATON thereol other sume of money whbh rnight become due and payable under [ie terin.of sald-Deed of Trust.
:' '1"

':..r ii The Deed of Trust was oxcuted to secu together win ofrer insrta'k6

No.201003300560.

..'' ...'-"\,

qr agriiiftibl orhrming 3. The Deed of Trusl provides that the Proprty ls not usotl principally/Qr
4. Default having occ.ned ln lhe obligatlone secured and/o as st forth in Noto of Trustoe's Sale described belon, wh make operatfue the povrrer to sell, the thlrly-day advance Deed of Trust grantor, or'his successor n intorest, anq a accordancewith the

law.

ZBs

5. BAC HOME LOAI\IS SERVICING, LP FI(A COUNT then tfio holder of the indebtedness socured by he Deed reguest directng Granlor to sellthc described property n a

i.

r,.

'

"'

Deultr not having boen alred, the Grantor, ln compliance td ar on0?l17l201l,rcordd in tho offico of he Audltor lcr of Trustoe's Sale'of tho Property under Audto/s File
'.

r..J.

sde as on the sbps ln front of fie d he place of sds c n Avc in of Fvprtf Eve, Lll/ 3000 Rnrleilla RockehllerAve., tha eitu Wl se, in lha eity af wlh he la,v caused copes dthe statubry t0 all prsons entiad hereto and eithor posld or Grantor causd a copy of sald "Notice of Truetee s County ln whlch lhe property or any part thereof ls rcond and twenty+ighth day befora fte date of sale, and once <lay befure the date of salo; and furttrer, induded with lhe Notice, ,0served upon the Deed of Trust grantor orhs succssor ln lnleresl, a r.fnwbsntially the slatutoryrrn,lo slatutory rm, lo which coples of re te Note and Deed of r

siluate,

bstwetl
whiotr

'Notica of

Trustwere

ro be performed and

Forecl 9. All legal requl

L
Durlng

d... _i'i:

ng on Bn obtigation secured by the Deed of Trusl. of oald Desd of Trust ve been complied wilh, as a to acls provtded in chapter Rcw.

r"t

T":9.I].ervfrtat

10. The tlafaults speclfied ri date of Trustee's Sale and

not havlng heen ctred ten daye pdor to

rt?26,31(cash).(by the gatisfcdon in full of the oblgatim with allfeq'lansh and expenses as provided y statute).

..
RECONTRUST DATED: lt|y24,2O11 Stata County

'- ';:''./--\'

"" ..

''i

of:

Callfo'rnia

Venm
bfor6

persually appeared

on

HAI26?llll

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

r:
le/are
tn

the

rny hand an{ ofrichl seal.

Conuilrrlb_;l Noly Publti .

Exhibit H

Deposition of Jacob D. Bradbum

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

rN THE SUPERTOR COURT OF THE STATE OF WASHTNGTON

FOR THE COUNTY OF SNOHOMTSH
) ) ) )

.lAcoB

D.

TNDTVTDUAL,

BRADBUR, AN

Plaintiff,
V.

No.

1,1,-2 - 08345 -2

RECONTRUST COMPA.I\TY, N.A., A LTMTTED-PURPOSE NATTONAL TRUST) BATK; FIDELTTY NATTONAL TTTLE,

a corporation;

ELECTRONTC REGTSTRATTON

MORTG.GE

AIERICA, N.A., a nat,ional bank; BNK OF AIVIERICA

CORPOR.TfON, coulTRYWtDE FTNANCTAIJ CORPOR,TION, A

SERVTCTNG, LP FI(A COUNTRYhIIDE BANK HOME IJOAT,TS SERVICING LP, a foreign entity; BANK OF

SYSTEMS, INC, a foreign corporation; BAC HOME TJOAI\TS

corporat ion ;

a forei_gn

foreign corporation,.

a tederal_ly chartered corporation; LINDA GREEN; DOES)) l--l-0, unknown persons; and QUTCKDR.AW REAL ESTATE ) SERVICES, rNC, d/b/a HOMESTAR ) LENDING, a domestic ) corporat,ion; NATIONAL CITY MORTGAGE CO. , d/b/ a COMMONWEALTH UNTTED MORTGAGE COMPNY, a foreign ) ----__) -f+rporaEi-or-S?EtVARHTTI'E, domestic corporaLion, )
Defendants.
)

COUNTRYI^TIDE HOME LOAITS, TNc. , ) a_ foreign corporation; FEDERL) NATTONAL MORTGAGE ASSOCIATTON, )

--

Deposition

Upon OraI

DATE TAKEN: REPORTED BY:

Starkovich Reporin g Services

Tuesday,

Taken at. 239 North Olympic Arlington, Washington

,-Tune

.]ACOB

D.

of

Examination

BRADBURN

Emily K. Niles, CCR, MR,

11,

201_3

CRR
Page:

Deposition of Jacob D. Bradbum

Bradburn v Recontnst Company, N,4., et al.

1 2 3 4 5 6
7

APPEARANCES
For the P1aint.if f :
STAFNE IAW FIRM SCOTT ERIK STAFNE .JOCEL]TNNE FALLGATTER

239 North Olympic Arlington, Washington

360.403-8700

98223

scott@stafnelawf irm . eom j os ieostaf nelwaf irm. com

I
9
t_0

For the

Def endanL,s:

LANE

ABRAFIAM

K. LORBER Fifth Avenue Suite 4t-00 SeattLe, Washington

1,420

POWETJTJ PC

11

206.223.7000

98L11_

l-orbera@lanepowe I l- . com

I2
1_3

L4
l_5

L6

t7
18
t_9

21,

22 23 24

25
S tarkovich Repo r ting

Servic es

Page: 2

Deposition of Jacob D. Bradbum 1

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

Eo reiterate, correct?

2
3

A.
BY
MR.

Mm-hmm.

(EXHTBTT
I,ORBER:

1_ MARKED.

4 5 6 7

a.

So the court.

errs handed

u \^rhatts been

marked as Exhibit L.

I
9

L0 L1
72 13 L4
1_5

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 owr.. A. They aIl look Ehe same. o. r'm going to ask you to turn to the third page of E.his document, which is the 1ast page. A. lWitness complies. ]
o.
A. Yes.

t6
T7

o.

All right. So let's turn back to Ehe first

[Witness complies
So
.]

page.

18

l9

this is a document. that ' s tit.led 'r Int.erestFirst that there at the
of
top?

2t
22
23

Do you see

A. O. A. O.
Se rv

Yes.

Itrs got
Yes
.

a daEe

December 1-4th

, 2005, correct?
l_oan
Page:

24

25
Starkovich Reporting

fn Paragraph t, it says, "fn return for a

ces

I8

Deposition of Jacob D. Bradburn

Bradbum v Recontrust Compan N.A., et al,

,'

1 2
3

that I have received, I promise to pay $200,900. Do you see Lhat there?

4 5 6 7

A. a. the
loan?

yes.

rs that consistent with your recorlection that when you refinanced the property, it was a $200,900
ApparenLfy, because it,s on here. Well, let me ask it t,his Way: Do you

A.
o.
A.

I
9

remember

principar amount of the roan to be a d.ifferent O.

number?

10
Ll_

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

T2

13 L4 15 76

All righr. I'11 direct your attention now to paragraph 2. ft's called rrfnLerest. r' fL says, ,rlnterest wi]I be charged on the unpaid principar until the fulr. amount of principal has been paid. r will pay interest at a yearly rate of
6

.625 percent . r'

Do you see

l7
l_8

that there?

A. O.
-

yes.

l9
20
2T 22 23

All righr.
an d-

ent-with yo rr re eolf-e efi orr ra this was a 6.625 percent interest Loan? A. yes.
-

is- bhaL- es,*s i+t-

o.
A.

24 25
S tarkov

o.
ich
Rep or ting S erv ices

it is what, it is. Well-, once again, le me ask it, this

All righr. I mean, f

way:

Do you
Page: 19

Deposition ofJacob D. Bradbum

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

L 2 3

marked as

Exhibt

2.

trs a document titled

ilDeed of

Do you see

that there in front of that

when you

you?

4
5 6
7

A. o.

yes

took out the roan in 2005' you pledged the r-36t.h prace property as security for
repa]ment

You understand

of the loan?
MR. STAFNE: v'Iourd you read

I
9

that question

back,

please. (Record read by reporter.

MR. STAFNE:
)

10 1L

That's fine.
your question?

I2
13

Go ahead and answer.

THE WITNESS: Okay, BY MR. LORBER:

l4
15 L6

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

o.

L7
18 19

security for repayment of the l-oan? A. yes. o. so if you courd p-ease turn to the second ret's
doeumen,

- see ----9o-ny-, Ehird-Ee la-st- page-ef -t+is 2I Page 15, is that your signat,ure there?
22 23 24 25
S larkovic

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.
h Repor

ting

Se rvices

Page: 38

Deposition ofJacob D. Bradbum

Bradburn v Recontrust Company, N.4., et al.

a. A. O.
4

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

Oh. okay. A1I right,

.

And it says that on December L5th, 2005, you

I appeared before a notary and the notary witnessed you sign

this document.
Do you have any reason t,o dispute that?
A. No.

6|

a.
A.

Is that a
No.

no?

10
1_

l_

MR" STAFNE: The way thats going to come out

T2

MR. LORBER: All right.

Let me ask the question

13
1.4

again.
BY MR. I.ORBER:

1s

a.

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

t6 I7
18 L9

execute this deed of trust.

Do you have anv reason to dispute that?

A. --QBY
MR.

No.

ptr ha-down-or a-nri+r+Ee;._

21.

-Yore (EXHTBIT
LORBER:

MARKED.

,)
23 24 25

O.

The court reporter has handed you what's been

marked as

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

Page: 39

Default.
rting
S erv

"
ces

S lar kov ic h Repo

Deposition of Jacob D. Bradbum

Bradburn v Recontrust Company, N,4., et al.

1 2
3

(EXHTBTT

MARKED.

BY MR. LORBER:

4 5
6 7

O. Qual-ity of this picture of Exhibit 5 is not good, but does that also appear to be the property? A. Yes.
(EXHIBIT 6
BY MR. LORBER:
MARKED.
)

as

I
9

o.

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

You had been having this t,rouble with

something up.
Bank of America and t.he accounLing of your mortgage back in

10 11

t2
l_3

2009, correct?

A. O.

Yes

l4
15
1,6

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 that

I7
l_8

the payments had not been received?

A.

yes.

!9

__

20 2L

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,ce of
Page: 46

)')
23 24

25

Starkovich Reporting Services

Deposition of Jacob D. Bradbum

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

t I trustee's sale dat.ed, t 1ooks like, 2/tt/zot]-,

2 | electronicalLy recorded? MR. LORBER: yes.
THE WITNESS: yes.

BY MR. LORBER:

probabry when they put it. on rny door, if this is Ehe one that was put on my door.

a. A.

And when did you flrst

see it?

O. to

r r Ll just I tt back to Exhibit 4, Exhibit 4 is a d.ecr-aration that says I 12 I that unfortunately, I can,t, read this person,s signature,
I

So if you go back to the previous exhibt, and r can just help you out here. so if you go

but that Lhis person who signed. Exhibit 4, t.hey,re ln I resrifying excuse me. Brian Roberge is t,estifying under tu penalty of perjury that he put Exhbir 5 on your I door on ta February l-gth, 2O!!, at 1:3g p.m. |

t=

1,7

A.
question.

Okay.

18

MR. STAFNE: I'I1

object Eo the form of the

19

21 22
23

BY MR. LORBER:

O.

So do

have any reasorr to dis

te Mr.

Robe

statement that he put that document on

A.

ur door on

24 25

f wasnrt home, so I don't.

know.
Page: 47

Starkov ic h Rep ort ng Serv i ces

Deposition of Jacob D. Bradbum

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,s
5

open.

6 7
o u

O.
leave?

Okay. you usually close your garage door when you

Every day. ,Just give me a second. here. So February t_gth , 2O!.L, was a Friday. NormaLly work on Fridays? lWitness nods head.]

A. O.

10 11
1,2

A.

13 74

a.

All righr.
MR. STAFNE: Did you geL a yes_or_no answer? THE WITNESS: yes. MR. STAFNE: Okay.

15

a6 77
18 79

BY MR. LORBER:

O. A.

you normally work on Fridays?

yes.

21,

22 23 24 25

-why-i-s-m1-jrar@ a, So do you welL, is it your beLief that did and f rm sorry, let me strike that,. to

you

wourd you have come home from work on Friday, back the 136th St,reet property? A. yes.
Services

S t arkovich Rep or ti ng

1 2 3 4 5 6
7

CERTIFICATE OF REPORTER

T, Emily K. Nil_es, Washington Certif ied Court Reporter, pursuant to RCW 5.2g. o1o authorized to administer oaths and affirmations in and for the stat,e of washington, do hereby certfy: That r reported the depositon of ,JAcoB
D.
BRADBURN, commencing

on Tuesday, .'une I!, 20'3,

8:53 a.m.

I
9

That prior to being deposed, the wit.ness was d.u1y

10
l_1
1.2

by me to testify to the truLh. That, r thereafter transcribed my said. shorthand notes nto tlpewriting
strorrr

and

13 74 L5

that the typewritten transcript is a complet,e, true and accurate transcription of my said. shorthand notes prepared pursuant to washington Administrat,ive code 30g-14-i_35, the transcript preparat,ion format guidetine and L,o the best of my abiliry. I further certify that f am not a rel_at,ive or emp-oyee of counser of any of the parties, nor a rel_ative or emproyee of the parties invorved in said action, nor a person financially interested in the action.
r'N- I^rr+NS S-V\IFI'EREOF,

16 L7 18 19

2L
22 23 24

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

@hanilin

my

25

EMIIJY

K.

UT

Exhibit I

9/6i13

AIlRegs Online Docurnent print

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 senicer will have a copy of the nrcrtgage note, If a servicer determines that it needs physical possession of the original note to represent the interests of Fannie Mae in a foreclosure, bankruptcy, probate, oiother legal proteeding, the servicer may obtain physical possession of the original note.

If its do sY

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

If Fannie Mae possesses the original note through a third-party docurnent custodian that has custody 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 docurrents that are needed.
In either case' the seruicer should specify whether the original note is required or whether the request is for a copy.

www'allreg s'con/tpl/docunentPrint.asppdd3=e2dd99596df24a0f8788d863d41

15Bsf&lid= b26979aBca4'147cb86fs97bssdff9a39

1t1

9/6/13

AlRegs Online Docunent print

Fannie Mae single Family t 2oll servicing Guide / Partvlll: Foreclosureq conveyancesand ctaimg and Acquired Propeies / vlll, chapter 1: Foreclosures (10/31/08) / Vlll, 105: Gonduct of Foreclo$re Proceedings (05/01/10) / Vlll, 105: Conduct of Foreclosre proceedings (05/0r/10)

vrrr' 1o5: conduct of Foreclosure

proceedings

(o5lorl1o)

r a nrcrtgage loan, the foreclosure must be eption to this involves MBS nrcrtgage loans are secured by properties located in Utah or cord for one of these nrcftgage loans, the the rnortgage loan to it so the foreclosure can

attornev to execute substitutions otrusrees must execute any required substitutions of trustees. "rtrnJ:;,tJ'i'::i:"#i$,"il:"3"f,illr",.u,,u However, if state law or customary practice prohibits an attorney-in-fact from executing substitutions of trustees, the servicer must submit the substitution of trustee docurnents t Fannie Mae for execution before the foreclosure proceedings begin.
when the servicer is the nrortgagee of record for a mortgage loan, the jurisdiction in which the security property is located will be a factor in how tne freclorrru'pro.edings are conducted or initiated.

transfer tax' Examples of ways to accomplish this include the assignrnent of the foreclosure bid or judgnrent to Fannie Mae, inclusion of appropriate language in th judgnent that directs the sheriff or clerk to issue a deed in Fannie Mae's narne, recordation of an assignrnent of the
d

'

reinstated before the foreclosure sale, In any state (or jurisdiction)-such as Rhode Island; New Hampshire; or orleans parish, Louisiana-in which prevenr the Fannie Mae must be in a timely rnanner to ao any delays in the intiation of the foreclosure proceedings. If Fannie Mae's designated docurnent custodian or a third-party docurrent custodian has custody of an original unrecorded assignrrent of the nrcftgage to Fannie Mae, the seruicer nray either requst the can be rec ) or prepare a new assignnent (if that will expedite the process.) once the assignnrent to Fannie Mae has been recorded, the foreclosure proceedinis must be conducted in Fannie Mae's narre.

impositi

':,fiH*"";ii:H"'Jr:'Jii""yd.,?1tr:"

A servicer which also services a subordinate-lien nroftgage loan nray file the foreclosure of the first-lien nrcrtgage loan in Fannie Mae's narre in orderto avoid haviq to'.sue itself,, in the forec losure action.
MERS must not be narned as a plaintiff.orforeclosing party in any foreclosure action, whether judicial or non-judicial, on a mortgage toan owned oisecuritized-by Fannie Mae. When MERS is the rroftgagee of record, the seruicer must prepare an assignrnent from MERS to the servicer and bring the foreclosure in its own nare unless Fannie Ma specifically allows the foreclosure to be brought in the nare of Fannie Mae. In that event, the assignrn"nt must be from MERS to Fannie Mae, in care of the seryicer at the sewicer's add'ress for rceipt of notices. The
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assignrnent must be prepared and executed before the foreclosure begins. If the property is located in a jurisdiction that recognizes the effectiveness of executed, but unrecorded, assignments, the foreclosure nray be inltiated prior to recordation of the assignrnent, In these cases, the assignnents should be recorded as soon as possible, in compliance with the laws of the jurisdiction where the property is located. If the jurisdiction requires the assignnrent to the seruicer or Fannie l'ae to be recorded before proceding with the foreclosure in the seruicer or Fannie Mae's narre, the assignrnent must be recorded before the foreclosure begins.

If an assignnnt from MERS to either the seruicer or Fannie Mae has been recorded from MERs to either the seruicer or Fannie Mae and the borrower reinstates the nrortgage loan prior to completion of the foreclosure proceedings, the sericer need not r"-uriig the rrortgage to MERS and re-registerthe nrortgage with MERS. Re-assigning and re-registering the n.'ortgage with MERS is not required by Fannie Mae and any such action will be at the discretion and expense of the serucer. If the assignment is executed but not recorded at the tinre the borrower reinstates the mortgage loan, and the servicerdecides to re-registerthe nrcrtgage with MERS, the servcer should prepare an assignnent back to MERS. If the servicer decides to re-registerthe loan with MERs, the seruicer must nrake sure the assignrrent from MERS to not the seruicer or Fannie Mae is recorded.
Fannie Mae will not reimburse the seruicer for any expense incurred in preparing or recording an assignnent of the nrortgage loan from MERS to the seruicer or to Fanne Mae.

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

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