" ! HOUSE OF REPRESENTATIVES 

111TH CONGRESS

1st Session 

REVIEW NO. 

09–4126 

OFFICE OF CONGRESSIONAL ETHICS 

UNITED STATES HOUSE OF 

REPRESENTATIVES 

————— 

Report and Findings 

Transmitted to the 

Committee on Standards of Official Conduct 

on August 6, 2009 

and released publicly pursuant to H. Res. 895 of the 

110th Congress as amended 

August 2009 


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U.S. GOVERNMENT PRINTING OFFICE

WASHINGTON : 

1 

" ! HOUSE OF REPRESENTATIVES 

111TH CONGRESS

1st Session 

REVIEW NO. 

20

09–4126 

OFFICE OF CONGRESSIONAL ETHICS 

UNITED STATES HOUSE OF 

REPRESENTATIVES 

————— 

Report and Findings 

Transmitted to the 

Committee on Standards of Official Conduct 

on August 6, 2009 

and released publicly pursuant to H. Res. 895 of the 

110th Congress as amended 

August 2009 


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7 5–660 13 
(II) 

OFFICE OF 

CONGRESSIONAL ETHICS 

BOARD 

UNITED STATES HOUSE OF REPRESENTATIVES

ONE HUNDRED ELEVENTH CONGRESS

DAVID SKAGGS, Chair 

PORTER GOSS, Co-Chair 

YVONNE BURKE 

KAREN ENGLISH 

ALLISON HAYWARD 

JAY EAGEN 

WILLIAM FRENZEL 

ABNER MIKVA 

Leo J. Wise, Chief Counsel & Staff Director 

Elizabeth Horton, Investigative Counsel 

Bryson Morgan, Law Clerk 


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REPORT 

Review No. 09–4126 

The Board of the Office of Congressional Ethics (hereafter 

‘‘Board’’), by a vote of no less than four members, on July 24, 2009, 

adopted the following report and findings and ordered them to be 

transmitted to the Committee on Standards of Official Conduct of 

the United States House of Representatives. 

SUBJECT: Representative Laura Richardson. 

STATEMENT OF THE NATURE OF THE REVIEW: On May 7, 

2008, Representative Laura Richardson’s Sacramento home was 

sold into foreclosure. On May 29, 2008, Washington Mutual, Representative Richardson’s lender, rescinded the foreclosure sale. Immediately following the rescission, James York, the individual who 

had purchased the home and had begun making improvements to 

it, publicly accused the Congresswoman of receiving preferential 

treatment from her lender. Further, Representative Richardson did 

not disclose her mortgage liability on her 2007 financial disclosure 

form filed in May 2008, or in two subsequent amendments filed to 

her financial disclosure form in June 2008. 

In the course of its review, the OCE learned that neighbors of 

Representative Richardson provided professional yard-care services 

to the Representative’s Sacramento property for which they were 

not reimbursed. 

Representative Richardson’s conduct may have violated gift and 

financial disclosure rules. 

RECOMMENDATION: The Board of the Office of Congressional 

Ethics recommends that the Committee on Standards of Official 

Conduct further review the allegation that Representative Richardson violated House Rule 25, clause 5 (gifts) by knowingly receiving 

preferential treatment from Washington Mutual Bank. 

The Board recommends that the Committee dismiss the allegation that Representative Richardson violated House Rule 26 (financial disclosure) by failing to disclose her Sacramento home as an 

asset and her mortgage liability on her 2007 financial disclosure 

form filed in May 2008, or in subsequent amendments to her financial disclosure form filed in June 2008. The Board recommends that 

the Committee dismiss the allegation concerning Representative 

Richardson’s receipt of professional services from her neighbors because if a violation occurred it would be de minimis. 

VOTES IN THE AFFIRMATIVE: 5 

VOTES IN THE NEGATIVE: 0 

ABSTENTIONS: 1 


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MEMBER OF THE BOARD OR STAFF DESIGNATED TO 

PRESENT THIS REPORT TO THE STANDARDS COMMITTEE: 

Leo Wise, Staff Director & Chief Counsel. 


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TABLE OF CONTENTS 

I. INTRODUCTON ............................................................................................ 5 

A. Summary of Allegations ................................................................... 6 

B. Jurisdictional Statement .................................................................. 7 

C. Procedural History ............................................................................ 7 

D. Summary of Investigative Activity .................................................. 7 

II. WASHINGTON MUTUAL BANK POSTPONED AND THEN RESCINDED THE FORECLOSURE SALE OF REPRESENTATIVE 

RICHARDSON’S HOME ........................................................................... 8 

A. Applicable Laws, Rules and Standards of Conduct ....................... 8 

B. Representative Richardson Failed to Pay Mortgage Payments, 

Utility Bills and Property Taxes on Her Home ........................... 9 

C. Representative Richardson’s Home Was Sold in a Foreclosure 

Sale to Red Rock Mortgage, Inc. ................................................... 15 

D. Washington Mutual Bank Rescinded the Foreclosure Sale and 

Returned the Property to Representative Richardson. ................ 17 

III. REPRESENTATIVE RICHARDSON WAS NOT REQUIRED TO DISCLOSE HER MORTGAGE LIABILITY OR SACRAMENTO HOME 

AS AN ASSET ............................................................................................ 20 

A. Applicable Laws, Rules and Standards of Conduct ....................... 20 

B. Representative Richardson was not Required to Disclose her 

Sacramento Home on her Financial Disclosure Statement ........ 21 

IV. REPRESENTATIVE RICHARDSON’S NEIGHBORS PROVIDED VARIOUS SERVICES TO THE CONGRESSWOMAN’S PROPERTY .......... 23 

A. Applicable Laws, Rules and Standards of Conduct ....................... 23 

B. Neighbors Provided Services to the Congresswoman’s Property .. 24 

V. CONCLUSION ............................................................................................... 24 

VI. INFORMATION THE OCE WAS UNABLE TO OBTAIN AND ................

RECOMMENDATIONS FOR THE ISSUANCE OF SUBPEONAS .......... 25 


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1Trustee’s Deed Upon Sale, Trustee Sale No. 723397CA, May 9, 2008 (Exhibit 1). 

2 Notice of Rescission of Trustee’s Deed Upon Sale, Trustee Sale No. 723397CA, May 29, 2008 

(Exhibit 2 at 09–4126—000005). 3Gene Maddaus, Broker Alleges Loan Favoritism, PRESS-TELEGRAM, June 9, 2008 (Exhibit 

3 at 09–4126—000008). 4Memorandum of Interview of Neighbor A of Representative Laura Richardson, July 9, 2009 

(Exhibit 4 at 09–4126—000011) and Memorandum of Interview of Neighbor C of Representative 

Laura Richardson, July 22, 2009 (Exhibit 5 at 09–4126—000014). 5 5 U.S.C. app. 4 102(a)(4)(A). 

6 Advisory Opinion from the Committee on Standards of Official Conduct to Representative 

Laura Richardson, May 14, 2009 (Exhibit 6 at 09–4126—000017). 

FINDINGS OF FACT AND CITATIONS TO LAW 

REVIEW NO. 09–4126 

On July 24, 2009, the Board adopted the following findings of 

fact and accompanying citations to law, regulations, rules and 

standards of conduct (in italics). The Board notes that these findings do not constitute a determination that a violation actually occurred. 

I. INTRODUCTON 

1. Representative Laura Richardson’s Sacramento home was sold 

in a foreclosure sale on May 7, 2008.1 On May 29, 2008, Washington Mutual Bank, Representative Richardson’s lender, rescinded 

that sale claiming they had agreed to postpone any foreclosure sale 

of the home until June 4, 2008.2 Immediately following the rescission, James York of Red Rock Mortgage, Inc., the individual who 

had purchased the home and had begun making improvements to 

it, publicly accused the Congresswoman of receiving preferential 

treatment from Washington Mutual Bank.3

2. The Board also investigated whether Representative Richardson’s failure to disclose her Sacramento home as an investment 

property on her 2007 Member’s Financial Disclosure Statement 

filed in May 2008, or in two subsequent amendments filed to her 

financial disclosure form in June 2008, constituted a violation of 

House Rule 26 and the Ethics in Government Act. The Board discovered two facts that indicate there is not substantial reason to 

believe Representative Richardson was required to disclose the Sacramento home. First, the investigation revealed that Representative Richardson occasionally lived in the Sacramento home,4 and as 

a secondary residence, the home was not required to be disclosed.5

Second, after the Board opened its review, the Standards Committee, in an Advisory Opinion dated May 14, 2009, advised Congresswoman Richardson that based on her representations to the 

Committee, she was ‘‘under no obligation to disclose [her] ownership interest in the properties [including the Sacramento home] on 

[her] financial disclosure statement.’’ 6


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7Memorandum of Interview of Neighbor A of Representative Laura Richardson, July 9, 2009 

(Exhibit 4); Memorandum of Interview of Neighbor B of Representative Laura Richardson, July 

15, 2009 (Exhibit 7); Memorandum of Interview of Neighbor C of Representative Laura Richardson, July 22, 2009 (Exhibit 5); and Jeff Gottlieb, Congresswoman’s abandoned house angers 

neighbors, L.A. TIMES, June 12, 2009 (Exhibit 8). 8 Advisory Opinion from the Committee on Standards of Official Conduct to Representative 

Laura Richardson, May 14, 2009 (Exhibit 6 at 09–4126—000017). 9Letter from Kathleen G. O’Connor, Senior Vice-President and Assistant General Counsel, 

Chase Home Lending, to Elizabeth Horton, Investigative Counsel, Office of Congressional Ethics, and Leo Wise, Staff Director and Chief Counsel, Office of Congressional Ethics, from, July 

16, 2009 (Exhibit 9 at 0909–4126—000026). 10 According to H. Res 895, 110th Cong. 1(c)(2)(C)(i)(II)(bb) (2008) (as amended) and Rule 6 

of the OFFICE OF CONGRESSIONAL ETHICS, RULES FOR THE CONDUCT OF INVESTIGATIONS 11 

(2009), the Board may draw a negative inference from any refusal to cooperate and may include 

a statement to that effect in any referral to the Committee on Standards of Official Conduct. 11 According to Rule 9(A) of the OFFICE OF CONGRESSIONAL ETHICS, RULES FOR THE CONDUCT

OF INVESTIGATIONS 16 (2009), ‘‘[t]he Board shall refer a matter to the Standard[s] Committee 

for further review if it determines there is a substantial reason to believe the allegations based 

on all the information then known to the Board.’’ 

3. In addition, the Board learned in the course of conducting this 

review that neighbors provided various yard-care services to the 

Congresswoman’s property in 2007 and 2008.7

4. The Board notes at the outset that Representative Richardson 

refused to cooperate with the OCE investigation. Counsel for Representative Richardson represented to the OCE that the Congresswoman had asked the Standards Committee in July 2008 for a 

‘‘written opinion’’ related to the issues under review by the OCE. 

However, as of the date the OCE opened a preliminary review, the 

Standards Committee had not provided any such opinion. In the 

course of the OCE’s review, the Standards Committee provided a 

written opinion to the Representative on the issue of whether she 

had to disclose her mortgage on the Sacramento property on her 

financial disclosure form.8 However, counsel for Representative 

Richardson also asserted that the Standards Committee has not 

addressed the issue of whether the Representative had received 

preferential treatment from Washington Mutual Bank and JP Morgan Chase (which purchased Washington Mutual following the 

events under review) and JP Morgan Chase told the OCE that the 

Standards Committee has not contacted them. Further, the Standards Committee never asked the OCE to cease its review. Counsel 

for JP Morgan Chase stated they would cooperate with the OCE’s 

investigation if they were subpoenaed or if Representative Richardson authorized them to provide information to the OCE.9 The OCE 

requested such authorization from Representative Richardson and 

she refused. Pursuant to H. Res 895 § 1(c)(2)(C)(i)(II)(bb) and Rule 

6 of the Office of Congressional Ethics Rules for the Conduct of Investigations, the Board draws a negative inference from Representative Richardson’s refusal to cooperate with the OCE’s investigation.10

A. SUMMARY OF ALLEGATIONS 

5. There is substantial reason to believe that Representative 

Richardson violated House Rule 25, clause 5(1)(A)(i) and clause 

5(3)(R)(v) by knowingly receiving preferential treatment from 

Washington Mutual Bank in the form of the postponement and/or 

rescission of the foreclosure sale of her home.11

6. There is not substantial reason to believe Representative Richardson violated House Rule 26 (financial disclosure) by failing to 


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12 H. Res 895, 110th Cong. § 1(e) (2008) (as amended, Mar. 11, 2008). 13 H. Res. 895, 110th Cong. § 1(c)(2)(A)(ii) (2008) (as amended, Mar. 11, 2008). 14Some documents and interviews were requested by the OCE staff prior to June 30, 2009, 

but not provided to the OCE until after this date. 

disclose her Sacramento home as an asset and her mortgage liability on her financial disclosure forms. 

7. There is not substantial reason to believe that Representative 

Richardson violated House Rule 25, clause 5(1)(A)(i) and clause 

5(3)(R)(v) by knowingly receiving professional yard care services 

from her neighbors. Further, even if a violation occurred it would 

be de minimis. 

B. JURISDICTIONAL STATEMENT 

8. The allegations that are the subject of this review concern 

Representative Laura Richardson, a Member of the United States 

House of Representatives from California. The Resolution the 

United States House of Representatives adopted creating the Office 

of Congressional Ethics directs that, ‘‘[n]o review shall be undertaken . . . by the board of any alleged violation that occurred before the date of adoption of this resolution.’’ 12 The House adopted 

this Resolution on March 11, 2008. Because the conduct under review occurred or relates to actions taken after March 11, 2008, review by the Office of Congressional Ethics is in accordance with the 

Resolution. 

C. PROCEDURAL HISTORY 

9. A preliminary review in this matter commenced on April 2, 

2009, following a written request by at least two members of the 

OCE Board made on March 26, 2009. 

10. At least three members of the Board voted to initiate a second phase review in this matter on April 24, 2009. The second 

phase review commenced on May 1, 2009. 

11. The Board voted to extend the 45-day second phase review 

by an additional 14 days, as provided for under H. Res 895, on 

June 12, 2009.13

12. The second phase review ended on June 30, 2009.14

13. Representative Richardson presented a statement to the 

Board, under Rule 9(B) of the Congressional Ethics’ Rules for the 

Conduct of Investigations, on July 24, 2009. 

14. The Board voted to refer the matter to the Committee on 

Standards of Official Conduct for further review and adopted these 

findings on July 24, 2009. 

15. This report and findings were transmitted to the Committee 

on Standards of Official Conduct on August 6, 2009. 

D. SUMMARY OF INVESTIGATIVE ACTIVITY 

16. The OCE requested documents from and interviews with: 

(1) Representative Laura Richardson; 

(2) JP Morgan Chase; 

(4) Mr. James York; 

(5) California Reconveyance Company; 

(6) Individuals living near Representative Richardson’s Sacramento home; 

(7) The Sacramento County Clerk; and 

(8) The City of Sacramento; 


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15The Board notes that Representative Richardson may, at the time of receipt, have been unaware that she was receiving preferential treatment from Washington Mutual Bank. Ignorance 

at the time of receipt of a gift, however, is not a complete defense. If Representative Richardson 

was not aware that she had received preferential treatment, she had an obligation to discover 

whether she had received preferential treatment and take the appropriate steps to remedy such 

receipt once press reports suggested that she had received preferential treatment. 16 H.R. Rules of the United States House of Representatives, Rule 25, clause 5 (a)(2)(A). 17 COMM. ON STANDARDS OF OFFICIAL CONDUCT, 110TH CONG., HOUSE ETHICS MANUAL 25 

(2008). 18 H.R. Rules of the United States House of Representatives, Rule 25, clause 5 (a)(2)(A). 

II. WASHINGTON MUTUAL BANK POSTPONED AND THEN 

RESCINDED THE FORECLOSURE SALE OF REPRESENTATIVE RICHARDSON’S HOME 

17. There is substantial reason to believe that Representative 

Richardson received preferential treatment from Washington Mutual Bank in the form of the postponement and/or rescission of the 

foreclosure sale of her home.15 Because ‘‘gifts’’ are defined to include ‘‘a gratuity, favor, discount, entertainment, hospitality, loan, 

forbearance, or other item having monetary value,’’ 16 if Washington Mutual Bank rescinded the foreclosure sale of Representative Richardson’s home and/or renegotiated her mortgage on terms 

that differed from the terms the bank offered to other similarly situated individuals in default on their mortgages, Representative 

Richardson may have received an improper gift in violation of 

House Rule 25, clause 5. 

A. APPLICABLE LAWS, RULES AND STANDARDS OF CONDUCT 

18. Gifts 

5 U.S.C. § 7353 prohibits Members from ‘‘soliciting or accepting 

anything of value except, as provided in rules and regulations 

issued by their supervising ethics office.’’ 17

Under House Rule 25, clause 5(a)(1)(A)(i), ‘‘a Member, Delegate, 

Resident Commissioner, officer, or employee of the House may not 

knowingly accept a gift except as provided in this clause.’’ 

The Rules define ‘‘gift’’ to mean ‘‘a gratuity, favor, discount, entertainment, hospitality, loan, forbearance, or other item having monetary value. The term includes gifts of services, training, transportation, lodging and meals, whether provided in kind, by purchase 

of a ticket, payment in advance, or reimbursement after the expense 

has been incurred.’’ 18


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19Grant Deed, Jan. 4, 2007 (Exhibit 9 at 09–4126—000028). 

B. REPRESENTATIVE RICHARDSON FAILED TO PAY MORTGAGE PAYMENTS, UTILITY BILLS AND PROPERTY TAXES ON HER HOME. 

19. On January 4, 2007, Representative Richardson purchased a 

residential property in Sacramento, California for $535,000.19


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20 Notice of Default and Election to Sell Under Deed of Trust, Trustee Sale No. 723397CA, 

Dec. 13, 2007 (Exhibit 11). 

20. According to Sacramento County records, after Representa- tive Richardson failed to make $18,356.40 in mortgage payments 

on the property in 2007, Washington Mutual Bank and California 

Reconveyance Company (acting as agent of Washington Mutual) 

placed Representative Richardson’s home in foreclosure.20


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21 Notice of Trustee’s Sale, Trustee Sale No. 723397CA, Mar. 17, 2008 (Exhibit 12). 

21. On March 17, 2008, California Reconveyance Company filed 

a Notice of Trustee’s Sale with Sacramento County, stating that 

Representative Richardson had an unpaid balance of $578,384.52 

and that the property would be sold at public auction on April 7, 

2008.21


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22 Notice of Delinquent Utility Charges, June 7, 2007 (Exhibit 13). 

22. Representative Richardson also failed to pay $154.03 in utility charges, and on June 7, 2007, the City of Sacramento Department of Utilities requested that a lien be placed on her property.22


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23Termination of Lien of Delinquent Sacramento City Utility Charges, June 16, 2008 (Exhibit 

14). 

23. Sacramento Country records indicate that the lien placed on 

Representative Richardson’s property was removed on or about 

June 16, 2008.23


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24Sacramento County Secured Redemptions Defaulted Bill Summary (Exhibit 15 at 09– 

4126—000059). See also Sacramento County Duplicate Tax Bills (Exhibit 15 at 09–4126— 

000060 000062). 25Sacramento County Secured Redemptions Collections Screen (Exhibit 16). 

24. According to Sacramento County records, Representative Richardson also failed to pay $9,087.43 in property taxes and default penalties on her Sacramento residence for fiscal years 2007 

and 2008.24

25. Sacramento County records show that on July 31, 2008 Representative Richardson paid $9,087.43 in owed property taxes.25


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26Trustee’s Deed Upon Sale, Trustee Sale No. 723397CA, May 9, 2008 (Exhibit 1). On May 

21, 2008, however, Representative Richardson issued a press release. In it, Representative Richardson asserted, ‘‘. . .the residential property in Sacramento California is not in foreclosure and 

has NOT been seized by the bank.’’ See Update: Congresswoman Denies Foreclosure Report, L.A. 

TIMES, May 21, 2008 (Exhibit 17 at 09–4126—000066). 27 Erica Werner, California Congresswoman Says Home Sale Improper, ASSOCIATED PRESS, 

May 24, 2008 (Exhibit 18 at 09–4126—000072). 

C. REPRESENTATIVE RICHARDSON’S HOME WAS SOLD IN A FORECLOSURE SALE TO RED ROCK MORTGAGE, INC. 

26. Representative Laura Richardson’s Sacramento home was 

sold in a foreclosure sale on May 7, 2008, for $388,001 to Mr. 

James York of Red Rock Mortgage, Inc.26

27. Representative Richardson also issued a public statement 

that the foreclosure occurred ‘‘without her knowledge and contrary 

to an agreement with her lender,’’ Washington Mutual Bank.27


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28 Notice of Rescission of Trustee’s Deed Upon Sale, Trustee Sale No. 723397CA, May 29, 2008 

(Exhibit 2 at 0909–4126—000005). 

D. WASHINGTON MUTUAL BANK RESCINDED THE FORECLOSURE SALE 

AND RETURNED THE PROPERTY TO REPRESENTATIVE RICHARDSON 

28. On May 29, 2008, Washington Mutual Bank, Representative 

Richardson’s lender, rescinded the sale. The Notice of Rescission 

states that Washington Mutual Bank had ‘‘previously agreed to 

postpone the foreclosure sale to June 4, 2008.’’ 28


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29Gene Maddaus, Broker Alleges Loan Favoritism, PRESS-TELEGRAM, June 9, 2008 (Exhibit 3 

at 09–4126—000008). 30 Notice of Pendency of Action, Superior Court of California: County of Sacramento, June 12, 

2008 (Exhibit 19). 

29. Immediately following the rescission, James York of Red 

Rock Mortgage, Inc. publicly accused her of receiving preferential 

treatment from her lender 29 and, on June 12, 2008, filed suit in 

the Superior Court of California against Representative Richardson 

and Washington Mutual Bank.30

30. Mr. York told the OCE that he settled the suit in July 2008, 

and because he signed a confidentiality agreement as part of the 

settlement provision, he was unable to talk to the OCE about the 


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31Telephone conversation between Elizabeth Horton, Investigative Counsel, Office of Congressional Ethics, James York, Red Rock Mortgage Inc., May 8, 2009. 32 E-mail from Tom Sheridan, Wagner Kirkman Blaine Klomparens & Youmans LLP, to Elizabeth Horton, Investigative Counsel, Office of Congressional Ethics, May 26, 2009. 33 Erica Werner, California Congresswoman Says Home Sale Improper, ASSOCIATED PRESS, 

May 24, 2008 (Exhibit 18 at 09–4126—000072). 34While the Notice of Rescission of Trustee’s Deed Upon Sale corroborates Representative 

Richardson’s claim that she had reached an agreement with Washington Mutual Bank to delay 

the foreclosure sale of the home until June 4, 2008, Representative Richardson refused to provide any information about this agreement to the OCE. The Board notes that even if such an 

agreement had been reached, and the rescission of the foreclosure sale was proper because it 

was in violation of the agreement, the agreement to postpone the foreclosure sale itself may 

have been an instance of impermissible preferential treatment. 

suit.31 Mr. York’s counsel confirmed that Mr. York was unable to 

discuss the settlement.32

31. According to a May 24, 2009 story by the Associated Press 

(AP), Representative Richardson provided the AP with ‘‘an April 

letter, which appears to be from Washington Mutual Home Loans, 

telling her that there was a hold on foreclosure sales on her property until June 4. She also provided an e-mail dated May 22, 2008, 

which she said was from Washington Mutual that appeared to acknowledge an agreement ‘to facilitate the rescission of foreclosure 

sale’ but gave no financial details.’’ 33 Representative Richardson 

refused, however, to provide any information about these documents to the OCE.34


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35 Notice of Rescission of Declaration of Default and Demand for Sale and of Notice of Breach 

and Election to Cause Sale, Trustee Sale No. 723397CA, June 4, 2009 (Exhibit 20). 36Letter from Kathleen G. O’Connor, Senior Vice-President and Assistant General Counsel, 

Chase Home Lending, to Elizabeth Horton, Investigative Counsel, Office of Congressional Ethics, and Leo Wise, Staff Director and Chief Counsel, Office of Congressional Ethics, from, July 

Continued 

32. On June 4, 2009, California Reconveyance Company acting as 

Trustee rescinded the Declaration of Default and Demand for Sale 

and the Notice of Breach and Election to Cause Sale.35

33. The Board notes that Representative Richardson refused to 

cooperate with the OCE investigation. Representative Richardson 

refused to respond to repeated OCE requests for information and 

interviews. Representative Richardson also failed to respond to 

OCE requests that she grant JP Morgan Chase (who purchased 

Washington Mutual Bank), California Reconveyance Company and 

Red Rock Mortgage, Inc. permission to release to the OCE information regarding the mortgage on her Sacramento home, the settlement agreement reached between Washington Mutual and Red 

Rock Mortgage, Inc., and the rescission of the foreclosure sale.36


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16, 2009 (Exhibit 9–4126—000026) (Chase advising the OCE that they ‘‘agree to release Red 

Rock Mortgage, Inc. and James York from any confidentiality agreement’’). 37 According to H. Res 895 § 1(c)(2)(C)(i)(II)(bb) (2008) (as amended, Mar. 11, 2008) and and 

Rule 6 of the OFFICE OF CONGRESSIONAL ETHICS, RULES FOR THE CONDUCT OF INVESTIGATIONS

11 (2009), the Board may draw a negative inference from any refusal to cooperate and may include a statement to that effect in any referral to the Committee on Standards of Official Conduct. 38The documents provided by Representative Richardson only contain a press report in which 

a representative of Washington Mutual Bank states that it is the policy of Washington Mutual 

Bank to treat all customers equally, and Washington Mutual Bank’s Lobbying Contribution Report for 2008, in which Washington Mutual Bank certified that they had not ‘‘provided, requested or directed a gift, including travel, to a Member of Congress or an officer or employee 

of either House of Congress with knowledge that receipt of the gift would violate rule XXXV 

of the Standing Rules of the Senate or rule XXV of the Rules of the House of Representatives 

during this filing period.’’ (Exhibit 21). 39 COMM. ON STANDARDS OF OFFICIAL CONDUCT, 110TH CONG., HOUSE ETHICS MANUAL 258 

(2008). 

34. It is possible that information unknown to the OCE could reveal that Representative Richardson did not receive special treatment from Washington Mutual Bank. However, pursuant to H. Res 

895 § 1(c)(2)(C)(i)(II)(bb) and Rule 6 of the Office of Congressional 

Ethics Rules for the Conduct of Investigations, the Board draws a 

negative inference from Representative Richardson’s refusal to cooperate with the OCE’s investigation. 

35. Based on the facts above, the Board therefore finds that there 

is a substantial reason to believe that Representative Richardson 

received preferential treatment from Washington Mutual Bank in 

the form of the postponement and/or rescission of the foreclosure 

sale of her home.37

36. Representative Richardson submitted a written statement 

and supporting documents to the Board on July 22, 2009 pursuant 

to Section 1(f)(3) of H. Res. 895 of the 110th Congress, as amended, 

and Rule 9(B) of the OCE’s Rules for the Conduct of Investigation.38

III. REPRESENTATIVE RICHARDSON WAS NOT REQUIRED 

TO DISCLOSE HER MORTGAGE LIABILITY OR SACRAMENTO HOME AS AN ASSET 

37. There is not substantial reason to believe that Representative 

Richardson violated House Rule 26 and the Ethics in Government 

Act by failing to disclose her Sacramento home as an asset or her 

mortgage liability on her 2007 financial disclosure form filed in 

May 2008, or in two subsequent amendments filed to her financial 

disclosure form in June 2008. 

A. APPLICABLE LAWS, RULES AND STANDARDS OF CONDUCT 

38. Financial Disclosure– Under 5 U.S.C. app. 4 § 102(a)(4), a Member’s personal obliga- tions aggregating over $10,000 owed to one creditor at any time 

during the calendar year, regardless of repayment terms or interest 

rates must be included on personal financial disclosure statements.39 5 U.S.C. app. 4 § 102(a)(4)(A), expressly excludes ‘‘any 

mortgage secured by real property which is a personal residence of 

the reporting individual or his spouse’’ from disclosure requirements 

regardless of whether the level of indebtedness exceeds the purchase 

price of the home. The House Ethics Manual, however, advises that 

‘‘[m]ortgages . . . secured by a personal residence (including secondary residences not used for rental purposes) . . . need not be disVerDate Mar 15 2010 07:49 Dec 06, 2012 Jkt 051612 PO 00000 Frm 00020 Fmt 6601 Sfmt 6601 C:\DOCUMENTS AND SETTINGS\BJNEAL\DESKTOP\DAVE CAMP REVISED PROOFS\51

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40 Id. The House Ethics Manual suggests that mortgages secured by personal residences must 

be disclosed if the indebtedness exceeds that purchase price of the home. The Ethics Manual, 

however, seems to conflict or misrepresent 5 U.S.C. app. 4 § 102(a)(4)(A), and the Standards 

Committee appears to follow 5 U.S.C. app. 4 § 102(a)(4)(A). See Advisory Opinion sent from the 

Committee on Standards of Official Conduct to Representative Laura Richardson, May 14, 2009 

(Exhibit 6). 41 5 U.S.C. app. 4 § 102(a)(3). 42 COMM. ON STANDARDS OF OFFICIAL CONDUCT, 110TH CONG., HOUSE ETHICS MANUAL 255 

(2008). 

closed as long as the indebtedness does not exceed the purchase 

price of the item.40

Under 5 U.S.C. app. 4 § 102(a)(3), ‘‘[t]he identity and category of 

value of any interest in property held during the preceding calendar 

year in a trade or business, or for investment or the production of 

income, which has a fair market value which exceeds $1,000 as of 

the close of the preceding calendar year’’ must be included on personal financial disclosure statements.41 The House Ethics Manual 

also requires that ‘‘any asset held for such an investment purpose 

must be disclosed if it either was worth more than $1,000 at the 

close of the calendar year or it generated income of more than $200 

during the year . . . The identity of the property, in addition to its 

category of value must be specified.42


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43 Representative Laura Richardson, Personal Financial Disclosure Statement for Calendar 

Year 2007, Filed May 19, 2008; Representative Laura Richardson, Amended Personal Financial 

Disclosure Statement for Calendar Year 2007, Filed June 13, 2008; Representative Laura Richardson, Amended Financial Disclosure Statement for Calendar Year 2007, Filed June 27, 2008 

(Exhibit 22 at 09–4126—000155 000156). 44 Anthony York, Debate Intensifies Over Richardson Home Default, CAPITOL WEEKLY, May 22, 

2008 (Exhibit 23 at 09–4126—000166). 45 Jared Allen, Mortgage Non-Disclosure is Trouble for Richardson, THE HILL, June 3, 2008 

(Exhibit 24 at 09–4126—000168). 

B. REPRESENTATIVE RICHARDSON WAS NOT REQUIRED TO DISCLOSE 

HER SACRAMENTO HOME ON HER FINANCIAL DISCLOSURE STATEMENT 

39. Representative Richardson did not include her Sacramento 

home on her personal financial disclosure statement filed on May 

15, 2008, and on two subsequent amendments to that form filed on 

June 13 and June 27, 2008.43

40. Press reports claim that the Sacramento home was not Representative Richardson’s primary residence and that she also owns 

homes in Long Beach 44 and San Pedro, CA.45

41. The Board notes that the ownership of multiple homes and 

press reports claiming that Representative Richardson never lived 


bjneal on DSK2TWX8P1PROD with 51612a.012 51612a.013
23 

46Memorandum of Interview of Neighbor A of Representative Laura Richardson, July 9, 2009 

(Exhibit 4 at 09–4126—000011). 47 Advisory Opinion sent from the Committee on Standards of Official Conduct to Representative Laura Richardson, May 14, 2009 (Exhibit 6 at 09–4126—000017). 48 H.R. Rules of the United States House of Representatives, Rule 25, clause 5 (a)(2)(A). 

in the Sacramento home may suggest that the Sacramento property was an investment property, and as such, was required to be 

disclosed on the Member’s Financial Disclosure Statement. 

42. In an interview with the OCE, however, a neighbor of Representative Richardson stated that the Congresswoman lived in the 

Sacramento home during the weekdays when she was in town for 

legislative business of the California Assembly.46

43. Additionally, after the Board opened its review into this matter, the Standards Committee, in an Advisory Opinion dated May 

14, 2009, advised Congresswoman Richardson that based on her 

representations to the Committee, she was ‘‘under no obligation to 

disclose [her] ownership interest in the properties on [her] financial 

disclosure statement.’’ 47

IV. REPRESENTATIVE RICHARDSON’S NEIGHBORS PROVIDED VARIOUS SERVICES TO THE CONGRESSWOMAN’S 

PROPERTY 

44. There is not substantial reason to believe that Representative 

Richardson violated House Rule 25, clause 5(1)(A)(i) and clause 

5(3)(R)(v) by knowingly receiving professional yard care services 

from her neighbors. Further, even if a violation occurred it would 

be de minimis. 

A. APPLICABLE LAWS, RULES AND STANDARDS OF CONDUCT 

45. Gifts 

Under House Rule 25, clause 5(a)(1)(A)(i), ‘‘a Member, Delegate, 

Resident Commissioner, officer, or employee of the House may not 

knowingly accept a gift except as provided in this clause.’’ The Rules 

define ‘‘gift’’ to mean ‘‘a gratuity, favor, discount, entertainment, 

hospitality, loan, forbearance, or other item having monetary value. 

The term includes gifts of services, training, transportation, lodging 

and meals, whether provided in kind, by purchase of a ticket, payment in advance, or reimbursement after the expense has been incurred.’’ 48 Under House Rule 25, clause 5(a)(1)(B)(i), ‘‘A Member, 

Delegate, Resident Commissioner, officer, or employee of the House 

may accept a gift that the Member, Delegate, Resident Commissioner, officer, or employee reasonably and in good faith believes to 

have a value of less than $50 and a cumulative value from one 

source during a calendar year of less than $100.’’ 


bjneal on DSK2TWX8P1PROD with 51612a.014
24 

49 Records of Cases Opened by the Sacramento Code Enforcement Department, 3622 W. Curtis 

Drive (Exhibit 25). 50Memorandum of Interview of Neighbor A of Representative Laura Richardson, July 9, 2009 

(Exhibit 4 at 09–4126—000011). 51Memorandum of Interview of Neighbor B of Representative Laura Richardson, July 15, 

2009 (Exhibit 5 at 09–4126—000020). 52 Id. at 09–4126—000021. 53Memorandum of Interview of Neighbor A of Representative Laura Richardson, July 9, 2009 

(Exhibit 4 at 09–4126—000012). 54 Id. 55 Id. The neighbor described their relationship with Representative Richardson as being that 

of neighbors, not friends, and that they were providing the professional services not out of 

friendship, but out of a desire to not allow the yard to fall into an even deeper state of disrepair. 

B. NEIGHBORS PROVIDED SERVICES TO THE CONGRESSWOMAN’S PROPERTY 

46. Records of the Sacramento Code Enforcement Department obtained by the OCE show that Representative Richardson’s home 

was the subject of five complaints between July 21, 2008 and July 

1, 2009.49

47. According to Neighbor A, the Congresswoman’s home was occupied at various times by squatters. One neighbor called the police 

several times to remove individuals the neighbor suspected of dealing drugs from the home.50 Neighbor B also filed complaints with 

the City of Sacramento regarding the squatters’ presence in the 

home and the property’s rat infestation.51

48. Neighbor B contacted Representative Richardson’s congressional office on several occasions regarding the rat infestation and 

the occupation of the home, but was told that because the neighbor 

did not reside in Representative Richardson’s congressional district, 

the neighbor’s complaints would not be considered by the office.52

49. In an interview with the OCE, Neighbor A stated that they had paid approximately $160–$230 to have lawn care services provided to Representative Richardson’s Sacramento home from 2007 

to 2008.53 In total, the neighbor had their gardener perform services on Rep. Richardson’s property on ‘‘six to nine’’ occasions. Approximately three to four of these occasions occurred in the summer of 2008. For each occasion, the neighbor paid their gardener 

$20. The neighbor also paid people $20–$25 during the fall of 2007 

and the fall of 2008 to rake the leaves in Rep. Richardson’s yard.54

50. The Board notes that the total value in services that Representative Richardson received from Neighbor A within the jurisdictional period of the Board totaled $80–$105.55

51. The Board also notes that, due to Representative Richardson’s unwillingness to cooperate with the OCE’s investigation, the 

OCE was unable to determine whether Representative Richardson 

has knowledge of the receipt of or has reimbursed her neighbors for 

these professional services. 

52. The Board finds that even if Representative Richardson 

knowingly received these services, any violation of the gift rule 

would be de minimis. 

V. CONCLUSION 

53. For the above reasons, the Board recommends that the 

Standards Committee further review the above described allegations concerning Representative Richardson’s alleged receipt of 

preferential treatment from Washington Mutual Bank and dismiss 

the above described allegations concerning Representative RichardVerDate Mar 15 2010 07:49 Dec 06, 2012 Jkt 051612 PO 00000 Frm 00024 Fmt 6601 Sfmt 6601 C:\DOCUMENTS AND SETTINGS\BJNEAL\DESKTOP\DAVE CAMP REVISED PROOFS\51

bjneal on DSK2TWX8P1PROD with 
25 

56Letter from Brian G. Svoboda and Kate Sawyer Keane, Perkins Coie, to Leo Wise and Elizabeth Horton, Office of Congressional Ethics, April 21, 2009 (Exhibit 26 at 09–4126—000181). 

son’s failure to disclose her Sacramento home as an asset or her 

mortgage liability for the home and receipt of professional services 

from her neighbors. 

VI. INFORMATION THE OCE WAS UNABLE TO OBTAIN AND 

RECOMMENDATIONS FOR THE ISSUANCE OF SUBPEONAS 

54. The OCE was unable to obtain information from Washington 

Mutual Bank, JP Morgan Chase, and California Reconveyance 

Company regarding Representative Richardson’s mortgage or any 

negotiations between Representative Richardson and Washington 

Mutual Bank and/or JP Morgan Chase regarding the foreclosure 

sale of the Congresswoman’s home because Representative Richardson refused to grant Washington Mutual Bank and JP Morgan 

Chase permission to reveal this information to the OCE. 

55. The OCE was unable to obtain information from Washington 

Mutual Bank, JP Morgan Chase, California Reconveyance Company, and Red Rock Mortgage, Inc. regarding the suit that ensued 

after the foreclosure sale of the Congresswoman’s home was rescinded, because Representative Richardson refused to release the 

parties to the suit from the confidentiality agreement. 

56. Representative Richardson, through her counsel, refused to 

provide the OCE with information regarding the request she made 

to the Standards Committee to investigate these matters. Based on 

her counsel’s communications with the OCE, Representative Richardson requested that the Standards Committee investigate whether the she was required to include the Sacramento home on her financial disclosure forms, but did not request that the Standards 

Committee investigate whether she received preferential treatment 

from Washington Mutual Bank.56

57. The Board notes that Representative Richardson, through her 

counsel, failed to provide the OCE with an adequate explanation 

for her refusal to cooperate with the OCE investigation. The Board 

recommends that the Standards Committee provide Representative 

Richardson with an opportunity to give a thorough accounting of 

her refusal to cooperate with the OCE investigation. 

58. Based on conversations with Red Rock Mortgage, Inc., Mr. 

James York, and representatives of JP Morgan Chase, it does not 

appear that any of these entities have been contacted by the Standards Committee regarding these matters. 

59. The Board notes that the determination of whether Representative Richardson received preferential treatment from Washington Mutual Bank will require interviewing and/or reviewing 

documents from Representative Richardson, California Reconveyance Company, Red Rock Mortgage, Inc., and JP Morgan Chase 

and/or Washington Mutual Bank. 

60. Because it will be necessary to interview and/or review documents from Washington Mutual Bank, JP Morgan Chase, California Reconveyance Company, and Red Rock Mortgage, Inc. in 

order to determine whether Representative Richardson received 

preferential treatment in the form of the postponement or rescission of the foreclosure sale of her home, the Board recommends 


bjneal on DSK2TWX8P1PROD with 
26 

57Letter from Kathleen G. O’Connor, Senior Vice-President and Assistant General Counsel, 

Chase Home Lending, to Elizabeth Horton, Investigative Counsel, Office of Congressional Ethics, and Leo Wise, Staff Director and Chief Counsel, Office of Congressional Ethics, from, July 

16, 2009 (Exhibit 9) (Chase noting that in order for them to be able to release non-public information to the OCE or any other investigative body, either a subpoena or waiver from Representative Richardson would be required). 

that the Standards Committee seek releases from or issue subpoenas to Representative Richardson, California Reconveyance 

Company, Red Rock Mortgage, Inc., and Washington Mutual Bank 

and/or JP Morgan Chase.57


bjneal on DSK2TWX8P1PROD with 
EXHIBIT 1 

09-41

", WHEN RECORDED MAIL TO: 

RED ROCK MORTGAGE. lNC. 

MAIL TAX STATEMENTS TO: 

RED ROCK MORTGAGE. INC. 

3600 AMERICAN RIVER DRIVE #135 

SACRAMENTO. CA 95864 

111111111111111111111111111111111111111111111 

Sacramento Count~ Recording Craia A Kramer I Clerk/Recorder 

100)(' 20080519 PAGE 0487 Check NuMb... lUI 

"onday. NAY 11. a008 11: 12: 43 All TU Pd '\jI~... Nbl"-1I113BDB31i 

aal-Saaramanto Cy DTT PAID 

AMH/68/1-2 

Space above this line for rec

Trustee Sale No. 723397CA Loan No. 0729942433 Title Order No. M721 684 

TRUSTEE'S DEED UPON SALE 

APN 013-0363-001-0000 T.R.A. No. 

The undersigned grantor declares: 

1) The Grantee herein was not the foreclosing beneficiary. 

2) The amount of the unpaid debt together with costs was .................... $574.023.87 

3) The amount paid by the grantee at the trustee sale was ................... $388.000.01 

4) The documentary transfer tax is ........................................................ $1.2.7.'35' 

5) Said property is in SACRAMENTO 

and CALIFORNIA RECONVEYANCE COMPANY (herein called Trustee). as the duly 

Trustee or substituted Trustee under the Deed of Trust hereinafter described. does hereby 

convey. but without covenant or warranty. express or implied. to Red Rock Mortgage, In

called Grantee), all of its right. title and interest in and to that certain property situated in the 

SACRAMENTO. State of California. described as follows: LOT 259 AS SHOWN ON THE 

"PLAT OF SOUTH CURTIS OAKS SUBDIVISION NOV. 6". FILED IN THE OFFICE 

COUNTY RECORDER OF SACRAMENTO COUNTY, FEBRUARY 10,1927 IN BOOK 19 

MAP NO. 18 

Situs: 3622 WEST CURTIS DRIVE •• SACRAMENTO, CA 95818 

RECITALS: 

This conveyance is made pursuant to the powers conferred upon Trustee by that certai

Trust dated 01/0412007 and executed by LAURA RICHARDSON. AN UNMARRIED W

Trustor, and Recorded 01/10/2007. Book 20070110. Page 1818. Instrument of official 

SACRAMENTO County, California. and after fulfillment of the conditions specified in sai

Trust authorizing this conveyance. 

Default occurred as set forth in a Notice of Default and Election to Sell which was recor

Office of the Recorder of said County. and such default still existed at the time of sale. 

All requirements of law regarding the mailing of copies of notices or the publication of a c

Notice of Default or the personal delivery of the copy of the Notice of Default and the p

publication of COpies of the Notice of a Sale have been complied with. 

09-4126
'. 

Trustee, in compliance with said Notice of Trustee's Sale and in exercise of its powers 

Deed of Trust, sold the herein described property at public auction on 05/07/2008. Gran

the highest bidder at said sale, became the purchaser of said property for the amount 

$388,000.D1 in lawful money of the United States, or by credit bid if the Grantee was the 

of said Deed of Trust at the time of said Trustee's Sale. 

DATE: 05/0912008 

CALIFORNIA RECONVEYANCE COMPANY. as Trustee 

Karime Ari~ntSeCretafY ~~ 

STATE OF CALIFORNIA 

COUNTY OF LOS ANGELES 

On May 09, 2008 before me, IRMA GARCIA TORRES, "Notary Public" personally appeare

ARIAS, who proved to me on the basis of satisfactory evidence to be the person(s) whos

is/are subscribed to the within instrument and acknowledged to me that he/she/they ex

same in his/herltheir authorized capacity(ies), anel that by his/her/their signature(s) on the 

'the person(s), or the entity upon behalf of which the person(s) acted, executed the instrume

I certify under PENALTY OF PERJURY under the laws of the State of California that the 

:paragraph is true and correct. 

WITNESS my hand and official seal. 

Signature £..v ~ (J __ "~. (Seal) 

e f'b 4RJA~'bATORRrS e ~ Commission # 1508392 

NotQrv Public - California ~ 

los Angeles County -

MV Camm. ExplresAug 17. 2008 

09-4126
EXHIBIT 2 

SAC COUNTY RECORDER Fax; 91B-B7d-3S9B Jul 15 2009 03;20pm 

,. . ,~ 

RECORDING R,OOUCST£D BY CALIFOR,NIA RECONVEVANCECOMPANY 

AHO WHEN RECOR,()6D MA.IL TO 

CALIFORNIA RECONveYANCE COMPANY 

~20nOi\"daI8""'&Iu~ 

MililStop!N 1I(J61~ 

ChR!&WOI1;h,CA 91]IJ 

ttle~ Nu .... ,. 3liiM 

• &nd.y, JUN 02, 20111B U1:4!1:411 nn Ttl ltd .i ... eo Nbr .... lli41nas 

!leV/32M 

SpAeC~.,.IIN!1\'tm'l)'Ifl:fs_~1:!r 

Tfu~tee Sule No. 723397CA Loan No. 07299'l2433 nile Order ND. M721864-

NOTICE OF RESCISSION OF TRUSTEE'S DEED UPON SALE 

Thif; Notice of RellClasion iii m.ode on otiJ3OI2OOB with ro~ to Ih9 fOUQWinJil tact,: 

1. Ttlel CALtPOFc:NlA RECONVEYANCE COMPANY, a California COrporation B& the duly appolnled tru&tteo Un~flr 

~:tt~~=~:.a:~~~~~~ri' ~~~~~:7W~~~~~~°rluWA~~k~m=~:~ securing I!I Promif;cory Nc;G! in Ihe amountof $535,001.01;1. 

2., Iho Deed of T~I.l.st enwmbers the real property Bi~ted WI the Countv or SACRAMENTO. Siate of CALIFORNIA. descrj~ ali fOJIow5: 

LOT 259'AS SHOWN ON THE OFFICIAL "PLAT OF SOVTH CURTIS OAKS SUBDIVISION NOV. 

6". "ILEO IN THo OFFICE OF THE COUNTY RECORDER OF SACRAMEIITO COUNlY. 

FS6RUARY 10, 19l71N BOOK 19 OF MAPS. MAP NO, 18 

A.P,N,; 013-0363·()OH)OOO 

Sirvs; 3G'l2 WEST CURTIS DRIVE, SACRAMENTO. CA 95818 a. That by virtue. ofa DaraultIJOOE!rthe terms otthe DaM! OfTl'U&1 the BE!nI;'ficiaty did del1SAt8 default, i!I& i!;Qt rotth 

br Ii NoWe Qf DefflUit and Erecr1ir;m tl) SeQ, WhiCh HD~ was tatclrtled in (he. Offlce of the County Rec:oroer of 

SACRAAIENTO, California. . 

~~hest ~~d~S:7~:~: ~~~i:~I:~:~Fo~;;:~g~.~l~IY &OI~ REO RO~K MORTGAGE, INC., being lhe 

S. The TfUliltee', Sale an Oli10712ll08 b bltn~ I'tISdnd&d 81 the request Qf the Bentflctary, as the 81!lrll!dkiB'Y tied 

prevlou!lly ag~d to ptJr;tpone the faraclolure sale. 10 JUIle 4, 2008. The TlU!ilee'lJ ~'* of D~/0712008 iii theA!lfom null 

snd void, and of no foroo 8nc1 Mfaet. 

e,. lhe e:XPrlil58 ~rpose fOt ItliI; Nl)tice of Resdislon 18 to mlUm the priOrity ilnd llXistence of aN lien 1\00da~ to the 

status quo ante ttlat existed prier to Ille Trustee's Sale. 

NOW, THEREFOR.E, THE UNDERSIGNED HEREBY R.E.SCINDS THE iAUSTEI;'S SALE ANO PURPORTED 

TRUSTEE'S DEED Uf'>ON &ALE AND HEREBV ADVISES AU PERSONS, WHOMEVER AND WHA"SOI!vER 

lOGATa), THAT THE TRUSTEE'S DEE:O UPON SALE DATED 051Ot;/2008. FROM CALIfJ'()kNIf\ RECONVEYANCe 

COMPANY TO· RED ROCK MOR.lGAGE, INC. AND RECORDED 05119120011 IN BOOK 2008(1$~9, PAGE 0467, Of: 

OFFICIAl, RECORDS OF SACRAMEI\ITO COUNTY IS HEREBV Rl:SCINDED AND SHALL HAVE NO FURTHER PaRCE OR EFFeCT WHATSOEVER. 

09-4
SAC COUNTY RECORDER Fax:916-S74-3S9S Jul 15 2009 03:21

.Lor,' - .. 

IN WITNESS WHEREOF, CALIFORNIA RECONVEYANCE COMPANY, has oaused IIG corporate 

namo and oe.11D be he",,,, _d by i'" .otho .... d .19""""," 

DATE: OOl2Q/2(108 

STAttOFCALlFORNIA 

COUNTY Of lOS ANOELES 

WASIiINGTON MUTUAl BANK, FA 

BY DebcIr.Jh t!umu.A~ 8r\gMC.. VltaerIt 

O. ~ 7L-fL Huey:Jtliu. Vice PresIdent 

On 

COLLEeN 

5/29108 bElfon: me, SIERRIE H£RftADl,IRA, "f\(0fDry Pl,lblt~ .. !)tMlla.lly BWIl.a!'Jd DEBORAH Bfi.I(;NAC. HUSY-JEN CHIL', IR9Y AND KARIMB ARIAS, who prov~ (0 (riC on dl~ Imi$ ofS;l.lji,l'sc:toty cvj~~ tQ b;o th;, ptlWn(5) wli06C namc(s) isl.al't subicri~ 10 the witltin iD!it(umblt and ilckllOwl;dgd ttl me tim! he(she!lbe.y CKClUUIcId tbe 5IIme in hislhelltheir aUlhorized capacity ties), Dnd lfIill b)' histhafllteir s1Sl1811u'e(s) OTI 1~ inslrQlm'nt ,be PCrtiWJ(J}, or the enlily upon bMillf ofwhicllthe peJli!IIl(s) lld.ed,exi:OJlM Ihe hmUUmBnt. 

I cel'1i/y Lll1du PENALTY OF' PERJUf\Y uti,," tho: Iilln oflheSlBlc of California thai the r~going paragrapll is trul!: and CQfKCl. 
EXHIBIT 3 

09-412

lof2 

Broker alleges loan 

favoritism 

By Gene Maddaus Siaff Writer 

Article Launched: 06/09/2008 11'16:49 PMPDT 

The real estate broker who bought Rep. Laura 

Richardson's house at a foreclosure sale last 

month is accusing her of receiving preferential 

treatment because her lender has issued a notice 

to rescind the sale. 

James York, owner of Red Rock Mortgage, said 

he would file a lawsuit against Richardson and 

her lender, Washington Mutual, by the end of the 

week, and has every intention of keeping the 

house, 

"I'm just amazed they've done this," York said. 

"They never would have done this for anybody 

else," 

York bought the Sacramento home at a 

foreclosure auction on May 7 for $388,000. 

Richardson had not been making payments on 

the property for nearly a year, and had also gone 

into default on her two other houses in Long 

Beach and San Pedro. 

Richardson, D-Long Beach, has said that the 

auction should never have been held, because 

she had worked out a loan modification 

agreement with her lender beforehand and had 

begun making payments. 

http://www.presstclcgram.co

Richardson left nearly $9,000 in unpaid prop

taxes on the home, which she bought in Janu

2007 for $535,000, shortly after being electe

the Assembly. 

Washington Mutual has declined to commen

the specifics of Richardson's case, because 

has not waived her privacy rights. 

In a statement, spokeswoman Sara Gaugl s

the company is "committed to treating all of 

customers with the same level of considerati

and fairness." 

Washington Mutual filed a notice of rescissio

of the foreclosure sale on June 2. 

That puts the bank squarely at odds with Yo

who has already put money into cleaning up 

house and preparing It for resale. 

"They owe me the property, II York said. "The 

was a good sale." 

York said an ordinary person would be unlik

to get the kind of consideration that Richards

has received from her bank. 

"They wouldn't even get a phone call back," 

said. "They would laugh at somebody who w

call and say, 'We had some kind of agreeme

They wouldn't give you 10 cents worth of tim

Leo Nordine, a Hermosa Beach real estate 

broker who specializes in foreclosed homes, 

agreed that the rescission was out of the 

ordinary. 

Press.:relegram LONG BEACH, CA 

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www.presstelegram.com/subscrlbe 

09-41
20f2 

"It's extremely unusual," he said. 

"Unless (the borrower) filed bankruptcy 

beforehand, they'd never do it." 

Richardson's staff did not return a call on 

Monday. 

Dustin Hobbs, a spokesman for the California 

Mortgage Bankers Association, said that while 

foreclosure rescissions are rarely publicized, they 

are becoming more common as the rate of 

foreclosures increases, 

"Generally it is going to result in a legal battle," 

he said. 

"Basically you're saying, 'We're willing to fight 

for our borrower.'" 

Hobbs said a lender would be unlikely to go to 

bat for a borrower who has shown no ability to 

make future payments. 

But if the foreclosure was the result of a 

temporary hardship or a papelWork mix-up, the 

lender has every incentive to restore the loan. 

"Lenders are concerned about keeping 

borrowers in homes no matter who they are," he 

said. 

gene.maddaus@dailybreeze.com, 310-543-

6639 

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Subscribe today! 

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Print Powered By ·Wilfi f'", " i. 11.Dyn
EXHIBIT 4 

InRe: 

Review#: 

Date: 

Location: 

Time: 

Participants: 

OFFICE OF CONGRESSIONAL ETHICS 

UNITED STATES HOUSE OF REPRESENT A TIVES 

Memorandum ofInterview 

Neighbor A of Representative Laura Richardson 

09-4126 

July 9, 2009 

Telephone 

approximately 5:05 PM to 5:30 PM EST. 

Bryson Morgan 

Summary: A neighbor of Representative Lama Richardson who lives on Coleman Way m

the following statements in response to our questioning: 

I. The neighbor saw Congresswoman Richardson a couple of times while she was w

her dog in the neighborhood. She does not know Congresswoman Richardson wel

characterized their relationship as that of neighbors, not friends. 

2. Representative Richardson moved into the home at 3622 W. CUJtis Drive in Janua

2007. When she moved into the house Rep. Richardson never hired a gardener an

never did any maintenance on the home or yard. The neighbor recalls that 

Congresswoman Richardson would anive in Sacramento on Sunday or Monday an

leave on Friday or Saturday morning. 

3. The neighbor's husband helped Congresswoman Richardson set up her sprinkler s

in the spring of 2007. 

4. Since the 2008 California Democratic Primary election, the neighbor has seen 

Representative Richardson at the home on only a couple of occasions. 

5. During the summer of 2007 and 2008, the neighbor paid to have their gardener "m

blow" Representative Richardson's front lawn each summer month. In total, the 

neighbor had their gardener mow Rep. Richardson's lawn on "six-nine" occasions

Neighbor A MOl - Page 1 on Office of Congressiona
Approximately three to four of these occasions occurred in the summer of 2008. 

each occasion, the neighbor paid their gardener $20 to mow the lawn. 

6. The neighbor estimated that the average cost in the area to have a professional "m

blow" a lawn of similar size to Representative Richardson's home is $20-$25 each 

7. In addition to paying their gardener to "mow and blow" Rep. Richardson's lawn, t

neighbor occasionally turned Rep. Richardson's sprinklers on and picked up garba

her yard. The neighbor also paid neighborhood children $20-$25 during the fall o

and the fall of 2008 to rake the leaves in Rep. Richardson's yard. 

8. The neighbor did not provide the yard care to Representative Richardson's as gift 

on their personal friendship with Congresswoman Richardson, but rather, out of th

desire to prevent the yard and home from falling deeper into a state of disrepair. 

9. According to this neighbor, another neighbor had their gardener "blowout" Rep. 

Richardson's SO-foot sidewalk occasionally for two years, and another neighbor w

Rep. Richardson's back yard for two years. 

1 O. The neighbor also said that there have been problems with individuals living in th

and the neighbors have had to call police on several occasions to remove squatters 

the property. 

I certify that this memorandum contains all peltinent matter discussed with this individua

July 9, 2009. 

Bryson Morgan 

Office of Congressional Ethics 

Neighbor A MOl - Page 2 of2 Office of Congressiona

09-41
EXHIBIT 5 

09-412

In Re: 

Review#: 

Date: 

Location: 

Time: 

Participants: 

OFFICE OF CONGRESSIONAL ETIDCS 

UNITED STATES HOUSE OF REPRESENTATIVES 

Memorandum of Interview 

Neighbor C of Representative Laura Richardson 

09-4126 

July 22, 2009 

Telephone 

approximately 4:00 PM to 4:20 PM EST. 

Bryson Morgan 

Summary: A neighbor of Representative Laura Richardson who lives on W. Curtis Drive 

the following statements in response to our questioning: 

I. The neighbor stated that Representative Richardson bought the home located at 36

Curtis Drive sometime in January 2007. 

2. On at least a few occasions the neighbor saw Representative Richardson coming an

going from the home. 

3. The neighbor did not have any conversations or interactions with Representative 

Richardson until the early summer of 2007, when Rep. Richardson's laws became 

severely overgrown. The neighbor knocked on the door, had a brief conversation w

Rep. Richardson, and offered to personally mow her lawn. According to the neigh

Representative Richardson's response was "no problem." The neighbor then used 

hand mower to mow her lawn. The neighbor estimated that the cost of having a law

size of Representative Richardson's professionally mowed would be $15-$25 a mo

The neighbor never talked to Representative Richardson after this incident. 

4. During the early summer of 2008, the neighbor remembers that police visited the 

property in response to a complaint that squatters were living in Representative 

Richardson's home. 

Neighbor C MOl - Page 1 of 2 Office of Congressional 

09-4126
5. During the spring of 2009, the neighbor called Sacramento City Code Enforcement 

because the lawn on Representative Richardson's property had been come very lon

I certify that this memorandum contains all pertinent matter discussed with this individual 

July 22, 2009. 

Bryson Morgan 

Office of Congressional Ethics 

Neighbor C MOl - Page 2 of 2 Office of Congressional 

09-4126_
EXHIBIT 6 

zoe LOfGREtj. CAUroANl1I JO eOlllNER, AlABAM

,,"~R RA,Nk:I":~ fI~PV51

P!N CtiJWO"tA. Kl:lJfVClt;,y J. GRESI(A. ... BAAllm

JOHN KUNt". MINNtS

Q. K. BUTT(II<:IEUl, NOR'rH UIoROUNA 

I<;.A,.HY CA'TO". 'lI,)IIJOA 

PETER W'lCH, VERMONl 

KfNYfN R. 8FIOWN. ACTINQ STAFF OIRiCTORICHI£~ COUNSEL 

ft..~lAKfC:::I1I$AM, 

COUNSEL 1'0 THf ettAlfI 

ONE HUNDREDELE'&.NTH CONGRESS 

W:.j,. ~ou"e of ~epf£"entat(be" 

COMMITTEE ON STANDARDS OF 

OFFICIAL CONDUCT 

~nS\Jington.lDlt :!0515~32e 

May 14, 2009 

The Honorable Laura Richardson 

U ,S. House of Representatives 

1725 Longworth House Office Building 

Washington. DC 20515 

Dcar Colleague: 

K MICI-IAtLCONAW

CHMILES W mrn. F

lODD UNGtREC+-lT 

COUNSEl TO tH~ 

lI~puatiCAN M~

sum HT--l. ThE CAP

nO?)Ur.-110l 

This letler responds to your recent request for cla.dfication of cerUlin disclo

requirements of the Fonn A Financial Disclosure Statement, Speoifically, you ask whether 

are required under the Ethics in Government Act of 1978 lIS amended (EIGA). to disclose ce

real estate holdings on yow: disclosure report and any debts seew'od by these properties, 

As a general matter. a reporting individual is required to disclose an IISset only if i

has a fair market value of more than $1,000 at the close of the reporting period, or (2) gener

more than $200 in income during the reporting period, See EIGA §§ 102 (a)(3)(A

102(.)(I)(B). The personal residence ofa reporting individUal (incluc'ting a secoodary or vaca

home), however, is specifically e"cluded from disclosure so long as the home is not generating 

rental income and is not being held fur investmCllt purposes. EIGA further provides that 

mortgage secured by real property which is • personol reBidence of the reporting inc'tividua

"pecificulLy ."cluded from disclosure as a liability. See EIGA § 102(4)(A). 

According to your representations to the Committee. you purchased and own 

residences in California. TIlese properties are located in San Pedro, Long Beach, and Soc,'om

None of these properties have ever generated any rental income, nor are any currently being hel

mvestment l'wposes. Based on these representations, it would appear to the Committee that you 

under no obligation to disclose your ownership interest in the properties on your fina

disclosure statement. Please he mindful, however, that jf the circumstances change and r

income is ever g .. nel'ated by any of these propolties, YOll will be required to disclose thc inc

producing properties 00 your financial disclosure statement. 
Th. Honorable Laura Richardson 

May 14,2009 

Page 2 

Because you presently have no disclosw-e obligation with xespect to these properties, 

are similarly not required to disclose any debt secured by these plOpemes. This exclusion app

rcgBTdless of the fair market value of the property or Ibe balance due on any loan and inclu

mortgages, home equity loans and home equity lines of credit} 

If you have any further questions, please contact the Conunitlee's Chier Counsel, B

Chisam, at (202) 225-7103. 

Sincerely, 

ZUJB. ps 

ClitUr ~ $~ JoBonner Rauking Republican Member 

I For a more complete explanation of the circumstance, in which a mortgage may be excluded 

disc)ol5ure on the financial disclosure statement, plCBRe see the attached Omunittee Me:moram]um d

December 30, 2008. 

09-4
EXHIBIT 7 

09-41

InRe: 

Review#: 

Date: 

Location: 

Time: 

Pal1icipants: 

OFFICE OF CONGRESSIONAL ETHICS 

UNITED STATES HOUSE OF REPRESENTATIVES 

Memorandum ofinterview 

Neighbor B of Representative Laura Richardson 

09-4126 

July 15, 2009 

Telephone 

approximately 2:30 PM to 2:51 PM EST. 

Bryson Morgan 

Summary: A neighbor of Representative Laura Richardson who lives on Coleman Way m

the following statements in response to our questioning: 

1. The neighbor does not know Congresswoman Richardson well and has never met 

had conversations with her. 

2. The neighbor does not recall Representative Richardson ever having moved into o

in her home on W. Curtis Drive. 

3. During the smumer of 2007 through 2008, the neighbor noticed that Representativ

Richardson's property was not being maintained because the grass was not being 

4. To the neighbor's knowledge, no one ever lived in the home between 2007 and 20

5. In 2008, the neighbor and other neighbors noticed that lights were on in the room 

the garage. They suspected that squatters had entered the home and were living th

and filed complaints with the City of Sacramento. 

6. The neighbor noticed that the property appeared to be completely abandoned and 

become infested with rats. The neighbor also filed complaints with the City of 

Sacramento alleging the home had been abandoned and was infested with rats. 

Neighbor B MOl - Page 1 of2 Office of Congressiona
7. When the ivy on the north-facing fence on the property began to die, the neighbor

spouse watered the ivy in an unsuccessful attempt to revive it. Other than watering 

ivy, the neighbor and their spouse did not go to any other efforts to improve the co

of Representative Richardson's property. 

8. The neighbor was aware that two of their neighbors had either paid to have 

Representative Richardson's lawn mowed or had personally mowed Representativ

Richardson's lawn. 

9. The neighbor said that, to his knowledge, the home had been sold in a foreclosure 

2008 and said that the new owner had begun to renovate the interior of the home s

thereafter. The renovations, however, suddenly stopped in the summer of 2008, an

home was left in an unfinished manner. The neighbor noted that for almost a year

unsightly toilet remained on the back deck of the upper level of Representative 

Richardson's home-irritating the neighbor and others in the neighborhood. 

10. The neighbor contacted Representative Richardson's congressional office, but was 

that because he did not reside in her congressional district, his complaints would n

addressed by the office. 

I certify that this memorandum contains all peltinent matter discussed with this individual 

July 15, 2009. 

Bryson Morgan 

Office of Congressional Ethics 

Neighbor B MOl - Page 2 of2 Office of Congressiona

09-4
EXHIBIT 8 

09-4

Los Angeles Tunes: Congresswoman's abannonen nouse angers nelgnoors 

Inll'l_lhll11 

hltp'llwwN.latimes 

1:05 Angeles 

cominewsilocallla-me-richardsonI2-2009jun12,O,3272269 

i!:imes ~ story 

From the Los Angeles T!mes 

Congresswoman's abandoned house angers neighbors 

Laura Richardson's former home in Sacramerlto':> upscale Cm1is Park oclghborflood is in disrepair. Residents say they have appealed to her <lnd HOLise Speaker N

wrthoutsuccess 

By Jeff Gottlieb 

June 12,2QO[l 

Reporting from Sacramento - John Bailey thought il was great wilen hiS neighbor was elected to the House of Representatives In 2007 

"NolevelYOne IIVBS next doorlO a congresswoman," he said 

Bul two yea~ later. he doesn't feel so hlcl<;.y. The congresswoman's house is abandoned and in disrepair, "a blight on the neighborhood," Bailey seld. 

He thinks the way that Rep Laura Ricflardson (D-Long 8eacfl) has treeted her S~cramento home telts far 1110re about her than her voting record. 

"I wouldn't want anyone that irresponsillte to replllsent me," said Bailey, like Richardson a tlberal Democrat. "What I don't get is how she hal! the time to visit with Fi

doesn't have lime for her own house, If you can't manage your own household, yOIJ prub<lbly sholJldrl'! get Involved 10 international affairs" 

He's not alone, Neighbors have complained to Ihe city. written letters and e-mails 10 Richardson and House Speaker Nancy Pelosi, but the three-bedroom hOllse m

eyesom. Neighbors jusl wish she would sell it or lei il go into foreclosure. anything to get it into the hElnds 01 someone who would care 

"She shows lotal disregElrd for everyone 111 the neighborhood," said Sean Padovan, a retired police sergeant. "She aLight to be embarrassed and ashamed" 

Ricflardson did nol return phone calls forlhis slory. 

The problems with the house began sMrtly after Richardson was elected 10 Ihe Assembly in 2006 from Long Beach and bought the two-story /lOuse Irt the leafy Cu

neighborhood. 

It wasn't long before Padovano 62. angry tMtlhe lawn wasn't being mowed, knocked on Ricflardson's door. told her he was a neighbor and asked if she minded if h

He hauled oul his hand mower, and when Richardson slill seemed 10 have no Interest in laking care of her yard, ho stuck a gardener's card in her door with a note s

should call himlfshe hadqueslions 

He never heard from Richardson, not a Ihank-you or a wave as she walked past. 

After Richardson Vias elected to Congress In 2007 in a speCial election, she moved aLIt around Labor Day, She told Bailey that she planned 10 mnl out Ihe house. L

sent hl!ran e-mail with a link 10 a real estate agent who could help, He nevermcelved a response. 

With no one living In it,lhe house conllnued to deteriorate 

Angry atlhe demise of tile once stal.ely home and wonied about what it would do to their properly values, neighbors took things into thelf own handS. 

Canie Thomsen would walk across the street with her hose and waler Ihe yard. Janet Carlson sent her gardener to Richardson's house once a month for Six month

lawn. She paid kids $20 during the fall to rake the leaves. They once peeked inside and saw a dead bird in the living room Her husband turned on the sprinklers the 

summers,.yornedthatdryweedswouldturnintoafirehazard 

Things gol so bad thaI in the fall of 2008 rels began breeding in RlcOElrdson's backyard and soon moved into L. Kraft's house next door. It took him two months to g

Richardson's house. he said, "has become such a hideotlsplace " 

The congresswoman has gElined a degree of InlElmy m Ihe Sacramento neighborhood The two-story Ilouse, gray wilh red trim. is badly in need of paillt The front la

of grass and weedswilh brown splolchesofdirt. Much oflhe once Ius h i"'Y covarillg the Chaln·link fence has died 

The red woodell gate sprawls on the lawn, unless someone props II up A loilel Sits on the back patio 

The backyard weeds, which neighbors said had grown three orfour feet high, were cui El day after Tile Times wrole about them a few months ago Dead leaves ha

behind the hot tub. Rosebllshes are stfllggling from lack of water, since the spnnklers are neller lurned on Gone are the rose of Sharon, miniature crElpe myrtle and 

previous owner Ilad lahored over for years 

Brown paper covers many windows. There is no furniture inSide Two beer cans are In fhe kifchen sink surrounded by dirt 

The city declared the house a plIbllC nuisance in Augusl In late May, after a neighbor complamed that Ihe front lawn was out of control, the city filed a Violation noti

mowed 21 few days later, 

Most recently, another neighbor filed another complaint. saying that Richardson's house was "a vacant structure With a blighted appearance." Now reSidents <1re (ils

to hire a lawyer to try to force hertofixlt 

Richardson's house Sits ,n st~rk contrast to the resl of the upper-middle-class neighboltiood Curtis Park is one of Saclamenlo's oldest. with a Illix of Tudor, Spanis

style homes bUilt III Ihe 19105, '2.0s and '30s, arnorlg olhers, and where owners work liard to keep them up 

LO~llted a couple miles from the Capitol. the neighborhood IS known for its liberal politics and is filled With legislEltors, lobbyisls and lawyers. Mayor Kevin Johnson o

Ulere, and former stete Sen AI Rodde lives a coupla of housas from Richardson 

Ri~ll8fdson bought the house in early 2007 lor $535,000. She aimed)' owned two other hOllses that she had defaulted on SIX times 

The hOLise went into foreclosure last year and was sold to real estate investor James York for $38B,000 IfI May. Washington Muluai took back tlw house and return

Richardson. York sued. The case was settled privately. 

In Apri1200B. Bodley sent a !eUHcomplainlflg about the condition of Richardson's house to PelosI, then-slate Democmtic Party chief Art Torres ami 1115 congresswo

(D-Sacramento). 

Pelosi's was the onlYlBsponsellereceJVed. She said shecouldn'IC omment 

More recen!!y, Peter Thomsen sent Ric!18rdson art c-maliteiling her that she should be rospor\sillie and fix the house for the neighborhood's sake 09

He received (In e-mail bad<. saying Ihathe didn't reside in herdistnct 

Duthelp could bean the way. 

MaxFernandez,Sacramento'sdJrectorofcodeenforcement,saldaRichardsonslaffertold IllS office that she had talked to a contractor a bOLll/Ixing Ihe place up 

http://www.latimes.com/news/locallla-me-richardsonI2-2009juI112.0.4598132.print.stOly 
LOS Angeles Iunes: congresswoman's aoanaonea nouse angers nelgnoors 

Thomsen doesn't believe Ihal she will do anytl1ing. "After a year of seeing the caMiliol1 Ihe house IS In? No." 

Krafi.lhough,saidsomeonerecentlyrepairedlhegale. 

"It isolle oflhe most impressillelhings 1'Ile seen so far," he said 

jeff.golllieb@Jallmes.com 

If you want oltierslorieson this topic, search the Archives al11IIimescam/archives 

Copyrighl20(l9 Los Angeles Times I Privacy Policy I Terms of Service 

Home Delivery I Aclvertise I Archives I COfl1acll Sile Map I Help 

partners: ktl£ cw lID 

T\tSReluinL'i Artlclelloonslng and reprinloptions 

http://www.latill1es.coll1/news/locallla-ll1e-richardsonI2-2009junI2.0.4598132.print.story 
EXHIBIT 9 

CHASE 0 

Kathleen G. O'Connor 

Senior Vice-President and Assistant General Counsel 

Chase Home lending 

July 16, 2009 

Elizabeth Horton 

Office of Congressional Ethics 

United States House of Representatives 

Washington, D.C. 20515 

Leo \Vise 

Staff Director and ChicfCOlltlSel 

United States House of Representatives 

Washington, D.c. 20515 

Dear Ms. Horton and.Mr. \,lise: 

We are in receipt of your letter dated June 22, 2009. Please find enclosed the follo~t1g responsive items: 

Deed of Trust dated January 4, 2007 

Notice of Default atld Election to Sell 

Trustee's Deed Upon Sale 

Notice of Resctssion of Trustee's Deed Upon Sale 

Copy of Complaint fIled by Red Rock Mortgage, Inc. 

To the extent that you l'equire any non-public infonnation, we would need either a subpoena o.r a waiver 

customer. If you would like us to reach out to our customer to request a waiver, please let me know. In t

meantime, we are in the process of assembling the balance of the requested docwnents. 

\X'e agree to release Red Rock Mortgage, Inc. and James York from any confidentiality agreement that ma

effect regarding the lawsuit filed by Red Rock in response to the rescission of Trustee Sale No. 723397CA 

limited purpose of assisting your office with its investigation. 

\XTe have received, through outside counsel engaged by \Vashington Mutual at the time of the events at iss

for infol1nation from Representative Richardson's office. We have not respo11ded to this request. 

If you would like to discuss this matter, please let me know, 

Sincerely, 

Kathleen G. O'Connor 

Chase Home Finance LLC· 194 Wood Ave, South, Iselin, NJ 08830 

Telephone: 732-452·8352 • Facsimile: 732·452-8035 09-

EXHIBIT 10 

::::'.'1'[".;", ... j ~~~!:."!.-::'.~~:J. 

RECORDING REQUESTED BY: 

Stewart Title of SaCfamento 1111111111111111111111111111111111111111111111 

AND WHEN RECORDED MAIL TO 

AND UNLESS OTHERWISE SHOWN BELOW, 

MAIL TAX STATEMENTS TO: 

Sacramento County Recording Craig A Kramer I Clerk/Recorder 

BOO)(' 20070110 PAGE 1817 .gCJ..).).J\.b..~~ 

t.Yo')...? ..., ..... ~ ~ I>f 

~~~~4-<,L-f>,- O,S1!.Il!, 

Check Numbor' 4286 

. Wednesday, JAN 10, 2007 2,!le, 33 PM Ttl Pd $7.00 Nbl"-0004694369 

006-Sacramenlo Cy OTT PAID 

, Tille Order No.: 

GRANT DEED 

THE UNDERSIGNED GRANTOR(S) DECLARE(S) 

DOCUMENTARY TRANSFER TAX Is $589.05 

[X) computed on full value of property conveyed, or 

REB/51/H 

Escrow No,: Al·170039

[ ] computed on full value less value of liens or encumbrances remaining at time of sale. 

[ ) Unincorporated area [X) City of Sacramento AND 

FOR A VALUABLE CONSIDERATION, receipt of which is hereby acknowledged, 

Mark S. Helmar and Sharon L Helmar. trustees of the Helmar Family Revocable Trust 

hereby GRANT(s) to: 

LA1!RA . RICHARDSON, an Unmarried Woman 

the real properly in the City of Sacramento, County of Sacramento, State of California, described as: 

Lot 259 as shown on the official "Plat of South Curtis Oaks Subdivision No.6", filed In the office of the Cou

Recorder of Sacramento County, February 10, 1927 in Book 19 of Maps, Map No, 18. 

Also Known as: 3622 West Curtis Drive, Sacramento, CA 95818 

AP#: 013-0363·001 

DATED December 13, 2008 

STATE OF CALIFORNIA COUNTY OF Sacramento 

On December 14 2006 

Before me, Ni kkrl"· Dayi S 

A Notary Public in and fat said State, personally' appeared Mark S. Helmar and Sharon L. Helmar 

personally known to me (or proved to me on the basl~ of 

salisfactorY. evidence) to be the ~n{s) whose name(s) 

is/are· subsC'im'BiJ'1Othe within instrument and acknoWlBdged 

to rna that he~lhey executed the same in his/her/their 

authorized capaci~y(ies), and that by hi~/!lmltheir signature{s) 

on the Instrument the person{s). or the entity upon behalf of 

which the ~(s) actecr.executed the instrument. 

WITNESS my hand and official seal. 

Signature~ 

Helmar 

Mark S. Helmar, ~ 

~~~ Sharon L. Helmar, Trustee 

NIKKI DAVIS I COMM. #1520789 ~ 

Notary public-California l SACRAMENTO COUNTY t 

My Comm. Exp, Oot. 21, 2008 R 

(This area for official notarial seat) 
t!f'~'·::"';':A 

Recordill.I:J Requested B.f: 

Washington Mutual Bank 1111111111111111111111111111111111111111111111111 

Retul'll To: 

2210 Enterprise Drive 

Doc Ops • MS SC00140 

Florence, SC 29501 

Sacramento County Recording Craia A Kramer I Clerk/Recorder 

BOOI(' 20070110 PAGE 1818 Check Number 4288 

·Wedne.dov, JAN 10. 2007 2:59:33 pn TU Pd $83.00 Nbr ... eee4694371 

RES/St/H9 

Prepared By: 

-~--------IBJIII~AllO\'eTJlbLillel~orKcl'unIiIlC 0"1"1----------

DEED OF TRUST 

DEPINITIONS 

Words used ill multiple secuons of this document are detillcd below and olher words are detined in 

Sections 3, II, 13. 18,20 Hnd 21. Certlin rules regardillg Ihe usage of words used in this document are 

also provided in Section 16. 

(A) "Security Instrument" means this document, whicll is dated January 4. 2007 

m,gedu~r with all Riders to this document. 

(8) "Borrower" is Laura Richardson. An Unmarried Woman 

Borrower', add,." i, 717 E Vernon St. Long Beach. CA 90806 . Borrower ill the trustor under thiN Security IllstrUIlU:ut. 

(C) "Lender" i, Washi ngton Mutual Bank 

Lender is a federal association 

organized and exisling under the laws of the United States 

0729942433 

CALIFORNIA-Slnola Familv-Fannle Mbs/Freddlo Mae UNIFORM INSTRUMENT Form 3006 1/01 

P"llolgfl6 loiBl' 

CIIt-OICA)I0207101 ~ 

VMPMa,tGlllaSolul,onl,lnc • 

IIIIIIIIIIIIII~IIIIIIIIIIIIIIIIIII 
Lende,'.addte" i,1400 South Douglass Road. Suite 100. Anaheim. CA 92806 

Lender i~ the bt:m:ticiur~ uuder dli,. Security InstrUI11tmt. 

(0) .. Tru.I .... i. Cal Horni a Reconveyance Company. a Cal ifornia corporation 

(E) "Note" means [he promissory note signt:d by Borrower aud daled January 4 J 2007 

The Nole "ale. dIal Borrower owe< LenderFi ve Hundred Thirty Five Thousand One and 

No/lOa Dalla,. 

(U .S. $ 535.001.00 ) plus interest. Borrower hits promised to pay (hi~ debl in regular Periodic 

Pay",enlS and to pay dIe debl in fullnoll.te, dlO" February 1. 2037 . (F) "Property" means dlC~ property dial is: described below under die heading "Transfer of RighLIi in die 

Property. " 

eG) "Loau" lUealls, dIe debt evidenced by die Note, plm: interest, allY prepayment charb'es and lute cllluye.~ 

due under [he Note, tlnd all sums due uud~r thi~ Security III!ltrumeut. pluIO interest. 

(H) "Ridersll tneans 1111 Riders ro this Security lnstnnillmt dlat ~m: executed by Borrower. The tollowing 

Riders urc 10 be ex.ecuted by Borrower [check box HS applicable]: 

m Adjustable Rat~ Rider D Condominium Rider D Second Home Rider 

D

O B.lloon Rider 0 Planned Unil Develop",ent Rider 0 \-4 Family Ride, VA Rider 0 Biweekly P,y",enl Ride, 0 Othe,(,) [specify] 

co "ApplicRble Law" mesns all controlling applicable ledend, state Hnd local Ntatutes, regulatiolls, 

ordirutnces and administrative rules tlnd orders (thUl have the effect of law) as well liS ull applicable filial, 

non~appeulable judicinl opinions. 

(.I) "Conmmnlt)' AssociRtion Dues, Fees, Hnd AS'sessmentsll means all dues. fees, aSseSSlllenU\ snd other 

charges dliu afC imposed on Borrower or die Proptmy by a condominium asS{)ciutioll, llOlIIeowtwrs 

association or similar urganizatioll. ' 

(K) "Electronic Funds Trnnsfer" lUeuns any transfer of funds, other than a transaction origiltated by 

check, draft, or similar paper instrument, which is initialed through all electronic terminal, telephonic 

itL~truml.mt. cmnpuu:r, or magnetic tape NO as to order, instruct, or audlOrize a tinanciltl institution 10 debit 

or credit an ltccount. Such term includel'l:. but i~ not limited to, point-or-sule tr.U1sfers. liulOlUated teller 

machine transactions, tnmsfers initiated by telephone, wire trHnsrers, and automated cltmringhousc 

tnmsters. 

(L) "Escrow Items" means dIOse items dial are described ill Section 3. 

(M) "Mlscellaneous Proceeds" lUeans auy cOl1lpensation, settlement, award of damages. or proceeds paid 

by all), dlird party (odlcr than insurance proceeds paid under die coverages described in Section 5) lor: (i) 

dantage to, or destruction of, the Property; (ii) condcnltl!l.tion or other ",king of all or uuy part of the 

Propeny; (iii) conveyance in lieu of condenlltatiollj or (iv) misrepresentations of, or omissions as to, the 

valuc and/or condition of tile Property. 

(N) "Mortgage Insurance" !DeallS insurance protecting Lender against tilt nonpayment of, or detuult Oil, 

the Loan. 

(0) "Periodic Paymentll means Ihe regularly scheduh:d amouul due for (i) principal and interest under the 

Note, plus (ii) any alllount.~ under Section 3 ofthi~ Security Instrument. 

(P) "RESPAil means the Real Estate SettJeltlt:1ll Procedure!' Act (12. U.S.C. Section 2601 el seq.) and its 

implementing regulation, Regulation X (24 C.P.R. Part 3500), as lIIey might be amended from time to 

time, or any a.dditional or successor legislation or regulauuu tlmt governs die sllme subject lIIutter. As used 

in this Security Instrument. "RESPA" retersto all requiremellLq and restrictions that are imposed in regard 

at .6ICA) ((1207).01 '""'~ 0729942433 

Paglt2of16 Form 3005 1101 

09-41
to a "federally related mortgage loan" even if lhe Lmlll does not qUHlify as a "federally related mortgage 

loan" under RBSPA. 

(Q) "Successor In Interest of Borrower" meanS any party dlill hils taken tiUe 10 the Property, whedler or 

not dlat party hits assurned Borrower's obligations under Ult~ Note and/or dlls Security Instrument. 

TRANSFER OF RIGHTS IN THE PROPERTY 

This Security [IIStrument set:urcs to Lender: (i) die rep"Yl1uml of die Loan, II.tld all renewals. ex.tensiom: ~lIId 

modifications of die Note; und (ii) dle performance of Burrower's covenants and agreel11ent~ ullder Ulis 

Security Imlitnuuent and the Note. For dds purpose, Borrower irrevocably grants and conveys to 

Trustee, in trust, widl power of sale, the following described property locared in lhe 

County of SACRAMENTO fTyllll or Ri:cordiJlg JuriGdil:liollJ INome or RecoJdlug Jurisdictionl 

Legal Description Attached Hereto And Made A Part Hereof 

8)(~,-hd'A . 

P,reeiID Number: 013 -0363 -001 

3622 West Curtis Drive 

Sacramento 

("Properly Add",,,"): 

which currently hilS the address of 

ISrrttl] 

IC;<YI. California 95818 IZ;p Cod'i 

TOGETHER WITH all the improvement8 now or hereafter erected 011 d1e property, and ,,,n ~asemt:lllS. appurtenances, and tixtures now or hereafter a part ur dlt~ pmpcny. All replaceulImt..II; and 

additiOlL~ shall also be covered by dIis Security Instrument. All of lhe foregoing is reterred to in this 

Security Imurumcm as die: "Property." 

BORROWER COVENANTS lhal. Borrower is luwfully seised of die eslate hereby couveyed and has 

lhe right to gnllll and convey the Property and thut the Property is unencumbered, except for ellCumbf'clIlCeS 

of record. Borrower warmtHs und will defend generally the tide to the Property agHima aU ehlhus and 

del1U1llds, slIbject 10 ally encumbrances of record. 

THIS SECURJTY INSTRUMENT combines uniform covenanL~ for national UtoC and non-unltorm 

covenanLq with limiled variations by juriSdiction to constitute a ullifurm security instrument coveriug real 

property. 

UNIFORM COVENANTS. Borrower alld Lender covenant and agree as fonow~: 

1. PRYlllent of PI"incipal, Interest, Escrow Items, Prepayment Charges, and Late Charges. 

Borrower shall puy when due the prinCipal of, and .interest on, lhe debt evidenced by dIe Note and any 

pr~paYl1lellt charge!! and late charge~ due under (he Notc. Borrower shall also pay funds tor Btlcl'OW Iteml' 

pursuant to Sectioll 3, Payments due under the Note and thj~ Security Instrument shall be made in U.S. 

, ",,;~ 0729942433 

CIt .6ICAllo2071,Ol P"IIe:l of 15 U Form 300S 1101 

09-41
I currency. However, if lilly check or Olher ilistrumeJlt received by Lender 8S puyment under the Note or this 

Security lustrument is teturned to Lender unpaid, Ltmder may require thllt ouy or all subsequent payment..q 

du~ under Ihe Notel:lud this Security Instrument be made in one or more of the following for~ns. as 

selected by Lender: (a) cash; (b) money order; (c) certified I.:heck., bank check, treasurer's check or 

cashier's check. provided any such check is drawn upon an institution whose deposits are insured by a 

tederalagcncy. instrumentality, or entity; or (d) Electronic funds Transfer. 

PaymellL~ are deemtld recelved by ~lIder whcli received at the location designated in the Note or at 

SUl':b other location as IIUiY be designuted by Lender in accordance with the notice provisioJls in Section IS. 

Lender lIIay rerum any payment or partial payment if the payment or pardlll paymenLI1! are insufficient to 

bring lhe LoIUl current. Lender may accept any payment or purtial payment illsufticiellt to bring lite Loan 

current, widlout wlliver of any righlS hereunder or prejudice 10 iL'!. right!: co refuse such payment or partial 

paymelus ill lhe future, but Lender is not obligawd to apply lIuch payments at dle time such payments are 

aCCepted. [f each Periodic Payment is app1i~ as of its scheduled due date. lhen Lender need not pay 

intere!;! all unapplied wnds. Lender may hold meh unappJied fuuds until Borrower Ilwkes payment to bring 

dlC~ Lolin current. If Borrower does not do 50 within a real«>nabJe period of time, Lender shan either Ilpply 

such funds or return diem to Borrower. If Ilot applied earlier, such funds. will be applied to the outstanding 

principal balance under lhe NOte immediately prior to foreclosure. No offset or cluilll which Borrower 

might )Iave now or in the future lIgaiJl~t Lender sllall relieve Borrower from making paymenLIi due uJlder 

the Note and this Security blSttullllmt or perfonning lilt' covenants and agreemenlS secured by this Security 

Instrument. 

Z. AppJlcftUon or Payments 01' Proceeds. EKcept as otherwih'e described in d}is Section 2, all 

paymenlS acc.,pted and applied by Lellder shall be 3pplied in the foliDwing order of pJ'iorily: (3) interest 

due under Ule Note; (b) principul due uuder lhe Nore; (c) amounts due under Section 3. Such payments 

~h,,1l be applied to each Periodic Payment in the order in which it became due. Any remaining amoulIIs 

shall b~ Hpplied tina to late charges, second to lilly other amoul1[S due under this Security Insttumem. and 

theu to reduce the principal balance of the Note. 

If Lender receives a payment from Borrower for a delinquent Periodic Payment which illcludes a 

sufficient amount to pay any lale charge due, the paymcul may be applied to the delinquent pliymelll and 

the late charge. If JIlore man olle Periodic Paymerlt ill ouLIlbl..llding. Lender may apply any payment rct:eived 

from Borrower to lhe repayment of the Periodic PaYlllenn:. if. and (0 the extent that, each payment can be 

paid in full. To the extent thut liny exceSS exisL~ aller the PKYlIll~nt is applied w the fun payment of olle or 

II1Dre Periodic PaymenLIi, sueh excess limy be applied to Kny Jate chllJ'ges due. VolullUlry prepaYll1enL~ shall 

be lIpplied fir:;t lD lilly prepayment charges and then us d".scrib~d in the Note. 

Any application of paymems, insurance prm;etlds. or Miscellaneous Proceed5 to principal due under 

[he Note shaJlIlDt extend or postpone [he due date, or change (he amount, of the Periodic PaYllleuL~. 

3. Funds ror Escrow Items. Borrower shall pay to Lender On the day Periodic Paymenrs are due 

under the Note. until the Note is paid ill full, a SUIIl (the "Funds") to provide fur payment of 11IllOUIl1S due 

fat: (a) taxes lind IIsseslilllenLC: and other item); which call attain priority over this Security Instrument as a 

liell or encumbralll.'e on the Property; (b) leasehold paymeuts or ground renis on the Property. if 8ny; (c) 

prc,llliUll1S for iHly and all insumllce required by Lender undl:r Section 5; <lnd (d) Mortgage lm:urllnce 

premiullls, if any. 01' any sums paY<lble by Borrower to Lender in lieu of Ule payment of Mortgage 

lnsunmce premiums in accordance with the proVisions of Section 10. These items are called "Escrow 

Items." At orighwtion or at any time during the lerm of lhe Lolll1. Lender Inay require lhat COIIUIlUllity 

Association Dues, Fees. and Ao;;se. ... smenL"'. if any. be eh'CfUwed by Borrower. and such dues, fees and 

KS~Ssmel\ts shall be an Escrow Irc:m. Borrower S11:1I1 promptly furniSh lD Lender allllotices of atllOUnUl to 

bl: paid under this Section. Borrower shall pay Lender the funds foJ' Escrow Items unless Lender waivtls 

Bormw~r's Obligation to pay the Punds for any or all Encrow ltellls. Lender may waive Borrower's 

obligation to pay to Ltmder Funds for any 01' aU Escrow 1tems at any time. Any such waiver may only be 

0729942433 

fila ~6(CA) 10.207).01 P.ege 4 ~I 16 Form 3006 1/01 
in writing. In the event of such waiver, Borrower shall pay directly. whel1ltnd where payable, lite amounts 

due tor any Escrow Items for which pltymem of funds has been wltived by Lender Hlltl. t.f Lender requires, 

flhall furnish to Lender receipts evidencing such payl11~nt widlin such time period Il~ Lender may require. 

Borrower's obligation to tllake such payments clOd to provide receipts shall for aU purpDscR be deemed to 

be 11 covenant aud a.g~elllent contained ill this Security fmurument, as the phrase "covenant and agrecment" 

is used ;n Section 9. It' Borrower is obligated to pay a."crow ltems directJy, pursuant to H waivcr, al~d 

Borrower tails tu pay the amount due for an B!«:row Item, Lender U1i1Y exerciRe its rights under Section 9 

and pay such alllount and Borrower .shall lIum be obligated under Section 9 to replty to Lender any such 

amount. Lender may revoke the waiver as 10 any or all Escrow Items Ilt Ilny time by a notice given in 

accordance with Section 1S bud, upon such revocation, Borrower shall pay to Lender all Funds. and in 

t\Ucll amounts, milt are [hen required under this Section 3. 

Lender Illuy, at any time, collect alld hold Funds in Ull alllount (a) sufficient to pennit Lender to apply 

the FUlldll at the time specified under RBSPA. and (b) not (0 exceed die IIIHximulII amount a lender can 

require under RESPA. Lender shall estimate the amount of FundSi due on the basis of current data and 

reasonable eslimatel'l of expenditures of future Escrow lIem:;; or otherwise in accordance with Applicable 

Law. 

The PUlld& RhaJi be held in all imaitulion who)!e deposits are insured by a t'edellli agency, 

insuumentality. or entity (incillding Lender, if Lend~r is all institutiDIi whose deposits art so insured) or ill 

allY Federal HOllie loan BSlik. Lender shulf apply the Funds ro pay the Eticrow lrems no Mer (hlln lhe dille 

h'Pccitied under RESPA. Lender shall 1101 churge Borrower for holding lIll.d applying the funds, alillually 

Hlwlyzing th" eliit,:row account, or verirying the Bscrow ItelllS, Uliless Lender pays Borrower interest on the 

Funds and Applicable Law p~rmits Lender to nud::e such II charge. Unless al) agreement is made in writing 

or Applicable U!.W requires interest 10 be paid on Ihe Funds, L~nder shall not be required to pay Borrower 

any interest Dr t!:arnings: 011 the Funds. Borrower and Lender can agrlle in writing, however, lIlal imereSit 

s.hall be paid all the FUlids. Lender shllll give to Borrower, widlOut cluirge, au 1I1111UIII accounting of the 

FundI: aN required by RESPA. 

If there il: a surplus of PUlld~ held in escrow, a~ defined ulld~r RESPA, Lender sha1l account to 

Borrower fur thu excess fund" in Hccordutn:e with RESPA. If there is II shortage of Punds held in escrow, 

as defined under RBSPA, Lender shall nolify Borrower HS required by RESPA, and Borrower shall pay to 

Lender the amount necessary to make up die shorwge in uccordllllce wiUl RESPA, but in no more than 12 

mondlly payments. If there is a deficiency of Funds held in escrow, ItS defined under RESPA. Lender shall 

notify Borrower 1IS required by RESPA, and Bnrmwer ~haJl pay to Lender the amount necessary to make 

up the deficiency iU8ccordsnce whh RBSPA, but iu no more than 12 mondlly pilylllent.~. 

Upon payment in full of all sums secured by thi:;; Security Instrument, Lender IOhal1 promptly refund 

to Borrower any Funds held by Lender. 

4, Chnrgesj LIens. Borrower shall pay all unces, IIsse!'smenl~. charges. filles, and impositiolls 

attribuluble to lhe Propeny which call attain priority uver thiff S~curilY 11I!l.uument, leasehold paynlellts or 

ground rents 011 the Property, if any, and Community Association Dues, Peefl. and Asses8D1ents, if ally. To 

the ex.tent that these items are Escrow Items, Borrower shall pay tllem in the malUler provided ill Section 3. 

Borrower Shall promptly discharge allY Hen which has priority over tllis Security lnsuumem unle~:;; 

Borrower: (a) agrees in writing to the payment of die obligation secured by die lien in a muuner acceptable 

to Lender, but only 80 lonG itS Borrower is performing such agreement; (b) conteSl~ the Ihm in good faith 

by, or detclldtl against eufofCement of the liell in, leglll proceedings which in lender's opinion operate to 

prevent the enforcement of tile lien whilll dlOSIl proceedingli are pending, but olily until sllch proceediugs 

are concluded; or (c) secure." from the holder of the Ii~n an agreement satisfactory to Lender subordinatinG 

the lien to Ihis Security Insuument. [f Lender determines mat any pare of die Property is 8ubject to a lien 

which call Htlaiu priority over thi" Security Instrument, Lender may give Borrower a notice identifying the 

0729942433 

CIl-BtCA} 1021l11.01 P89C16aI16 Form 3006 1 (01 

09-412
lien. Widlill 10 days of lhe dHle on which lhat 1I0ti(a: is given, Borrower shall satisfy lhe lien or take one or 

more ai' die ltctiOlLI; set forth above in tlds Sectiol14. ltmder may require Borrower to pay a one-time charge tor .a real ebllate tax. verification und/or 

reporting l'iervice lIsed by Lender in connection widl this Loan. 5, Property Insurance, Burrower ~hall keep tile improvement$ now ex.islil1g or hereafter erected 011 

the Property insured against loss by tire, JllIzards included widlin the term "extended coverage, II snd allY 

other llllz.ards including. but not limited to, elirchquakes and floods, for which Lender requires insuran<:e. 

This insurance shaU be maintained ill dlt~ amolJnts (including dedlJctible levels) and for tin: periods tllat 

Lender requires. What Lender requires pursuant to die preceding sentences can clulllg~ during tile term of 

tile LOItIl. The insurance carrier providing lhe insur,Ulce shall be chosen by Borrower subject to Lender's 

right to disapprove Borrower's cl1oice, which right shall 1101. be exercised unreasonably. Lender may 

r~quire Borrower tn pay, in cOllnection with dlis Loan, ddler: (8) a olle~till1e charge tor flood zone 

determination, certHicadon and (nicking service..lii:j 01: (b) ~ olle·dme charge tor flood zone d~tcmnillation 

and c~rtiticatiol1 :o:trvices. and subsequent charges each tilll': remllppings or similar changes ot,:vur which rells0I1lI.bly ndgb( affect such d.:terminadon or certitication. Borrower shall also be rel'pol1,ible tor the 

paymem of any fees illlpo~-ed by du, Federal Emeruellcy Management Agency in connection wilh the 

review of any tlood zone determination resulting from an objection by Borrow~r. 

If Borrower fail~ to maintain allY ot' tile coverages delicrib~d above, Lender may obtain insurance 

coverage, at Lender's option and Borrower's expense. Lender is under 110 obligation ID purchatie any 

particular type or itmount of coverage. Theretore, such covemge shall cover Lender, but might or might 

lIot protect Borrower, Borrower's. equity in the Propeny, or the contents ot' dle Property, against any rL'\k, 

hauml or liability alld might provide greater or lesser coverage than was previoutily in effect. Borrower 

acklHJwledges that the CO!it of the itl.~urance coverage JlO obtained might signitiQl1udy exceed lhe cost of 

itllOurance that Borrower could hllve obtained. Any amounts disbursed by Lender under dlLIl SectionS shall become additionltl de!>t of Borrower secured by tltis Security Instrument. These amounts Rhall bear interest 

at the Note rille from tile dan: ot' disbursement and shall be pllyable, wilh such interest, upon notice from Lender to Borrower requesting payment. 

All insurance pancies required by Lender and renewals of Iluch policies shall be slIbjt::ct to Lender's 

right to disapprove tollch policie...:;, shltll ill(!lude It standard lI1orq:lt.~e clause, and shall name Lend~r ItoS 

mortgagee andlor as an additional loss payee and Borrower further agrees 10 generally Itssign righ~ to 

insurance proc~edllio lhe l~older of lhe Note up ID lhe amount ot' tile outstanding loan blllltlice. Lender shall 

hltve lhe right to hold tile poHcies and renewal ceruticat"s, If Lel1d~r requires, Borrower shall promptly 

give to Lender ::III receipts ot' paid premiullls and rellewill notices. If Borrower obtains ::Illy rorm ot

insltrllnce coverHJ,l'e, not OIherwise required by Lender, tor damage to, or destruction of. lhe Property. such 

policy shalt include a standard mortguge claum: alld shall Ilame Lender as 1l10rq;agee Hndlor as::l1l additiOlwl loss pllyee and Borrower furdler ugrees w generally ussign rights to insurance proceeds to die holder of tile 

Note up to the HlnOUut of dle omstHnding 10lln bulllllce. 

In lhe event of lOll':;, Borrower t'haU give prompt notice w die insurance carrier and Lender. Lender 

Illay make proof of loss if not made pronlptly by Dorrower. Unless Lender and Borrower otherwise agr~e 

in writing, any insurance proceed!i, whetller or not tile underlying insurance was required by Lender, shall 

be applied 10 restoJll,tiol1 or repair of the Property, if tile restoration or repair is economically feasible and 

Lender's security is 1101 lessened. During such repltir and restoration period, Lender ~hall have till' rigbt to 

bold auch insurance proceeds ulltil Lender has hltd an .opportunity to inspect such Property to ellsure the 

work has been completed to Lender's !'Btistaetioll, provided (l11I( "ueh inspection shull be undertaken 

promptly. Lender may disburse proceeds for tllC repllir~ und restoration in a !'lingle payment or ill Ii series 

of progress paymenL.:; as die work is completed. Unless an agreement is made in writing or Applicable Law 

requires inte~s( to be paid 011 such ill.:;u ..... mce proc~t:ds, Lender flhull not be required to puy Borrower any 

interest or earniul:s 011 such proceeds. Fee..:; for public adjusters, or odler third parties, retained by 

Borrower shall not bt: paid out of d,~ insuranc~ proceed!i llnd shall be the !'lole obligation of Borrower. If 

die re!l;ooouion or repair is 1101 economically feasible or UlI\der's security would be les~tlt:d, die insurance 

proceeds shall be applied 10 tile sums secured by tllis Security Instrument, whetller or IIDt then due, widl 

<St ·aICA) 102071.01 '""1; 0729942433 

Form 3005 1/01 

09-4126
.... _-..... _---.. _ .. _--------

tile excess, if any, paid to Borrower. Such insurance proceeds sllidl be applied in die order provided for in 

Section 2. 

If Bcurower abandoll!i the Property, Lender may t11e, negotiate Ilnd settle allY available insurance 

claim "md related mutters. (f Borrower does not rc:spond within 30 days to ill nouce from Lender dial lJlC 

insurance carrier has offered tu 8ctde a clailu, Ihen Lender uwy negotiate and senle the claim. The 30"day 

period will begin when the notice is given. In eilher event, or if Lender acquires the Property under 

Section 22 or mhcrwise. BOfrower hereby HIISigIlS to Lender (8) Borrower's ri8hL~ to any insurance 

proceeds in iUl amount 1101 to exceed dlC amounts unpaid under lIle NOle or this Security Instrument. and 

(b) any olilcr of Borrower's right!'! (adler dian die rigllt to Imy refund of unearned premiulIIs paid by 

Borrower) under all in .. "lunmce policies covering the Property, insofar as such righUi 8re applicable (0 the 

coverage of the Propl:rlY. Lender tUay URe die in!l.ural1ce proceeds eidu:r w repair or restor~ the Property or 

to pay atu()ullts unpaid under the Note or dlis Security Instrument, whether or 1I0t then dut:. 

6. Occupancy. Borrower shall occupy, establish. and use the Properly as Borrower's principal 

resid~uc~ widlin 60 dilYII after the execution of this Security Instrument and shall continue to occupy du: 

Property us Borrower's principal re8idom:e for.at least one year after the dare of occupancy, unless Lender 

otherwise agrees ill writing, which COIL."cnt shall nOI be unreasonably withheld, or unless extenuating 

circumswnces exist which 21:re beyond Borrower'S control. 

7. Preservation, Maintenance and Protection of the Property; Inspections, Borrower shall lIot 

destroy, damage or impair die Property, allow Ihe Property to deteriorate or comm.it was!e UII the 

Property. Whether or 110t BDrrower iii residing in the ProperlY, Borrower shall lIluintaill die Property ill 

order to prevent ale Property from deteriorating or decrea~ing in value due to iLq condition. Unh::ss it is 

determined pursuant to Section S that repair or restoration is ncn economically teasible, Borrower shall 

promptly repair d1e Property if dlun<lged to· avoid further deterIoration or damage. If ins;urance or 

condemnation proceeds are paid in cOImectioll willi damage to, or the tltking of, the Property. Borrower 

~hall be responsible for repairing or restoring the Propl:rty only if Leuder hKS releatoed proceeds for such 

purposes. L~lIder may disburse prot.:e:eds for (be repairs and r'es(oralioll in It siugle payment or ill a series of 

progress ~yll1el1ts as the work is completed. If the ·immrallce or condemnu.tion proceeds life 1I0t sufficient 

lO repClir or restore the Propeny, Borrower is not relieved of Borrower's obligation for tile completion of 

such repair or restoration. 

Lender or its .IIgent may make reasonable entries upon Ilnd inspections of die Property. If it has 

reasonable CilUse, Lender may inspeCt the interior of the improvements 011 the Property. Lender shall give 

Borrower lIotice at the time of or prior to such all interior inspection gpecityillil such reasonable cauSe. 

8, Borrower's Lonn Application. Borrowc:r shall be in default if, during ule Loan application 

process. Borrower or any persoll~ or entities acting at the direction of Borrower or widl BDrrower's 

knowledg~ or consent gave materiully false, misleading, or inaccurate inforllll4tion or suuements to Lender 

(or failed to provide Lender wU:h material information) in connecuon with the Loan. Malerial 

representations include, but are not limiwd to, representations; concerning Borrower's occupancy ot' die 

Property as Borrower's principal residence. 

9. Protection or Lender's Interest In the Propt!rty and Rights Under thls Security Instrument. If 

(it) Borrower tails to perform the covenant.'" and agreellle1Us cont4iill~d in dlis Security Imurumetll, (b) there 

is a le~al proceeding dlat might signiticantly atTect Lender's interest in ale Property andlor rights under 

this Security Inslrumelll (suuh as a proceeding in bankruptcy, probate, for condemnation or forfeiture. for 

enforcement of a lien which I11l1y attain priority over this Security hlstrument or to enforce laws or 

regulations), or (c) Borrower lJas abHudoned me Property, then Lender may do and pay for whatever is 

feasonable or 3ppropriale to protect Lender's interest ill dIe Property and rights under dli8 Security 

Instrument, including protecting and/or a~essil1g dle value of die Property, and securing andlor repairing 

the Property. Lender's actions elm include, but are not limited to: (a) paying any sums secured by a lien 

which hus priority over (his Security lnstrumcm; (tl) uppearing ill ~ourti and (c) paying reasomtble 

0729942433 

ca:ra .6(CAII02011.QI PIgl7nrili Form 3006 1/01 
altorneys' fees to protect its interest in the Property Bud/or righL>; under this Security Instrument, including 

it.li; liecured pOliition in H bankruplcy proceeding. Securing tht: Properly includes, but is not limited to. entering the Property to lIl11.Ke repairs, change locks, replace or board up doorll and windows, drClin wHter trom pipes, eliminate building or other code violations or dangerous conditions, and have utilitie$ turned on or off. Altbough Lender may take action under dlif<; Section 9, Lender does 110t have to do So and is not under any dUlY or obligadoll to do so. It is Hgreed that Lender incurs 110 liubility for not taking any or all 

actions audlOrized under this Sectiun 9. Any ClmoulUS disburBed by Lender under tbis Section 9 :;iUlll become additiOilal debt of Borrower 

secured by this Security Instrument. These amounts shall bear interest at lhe Note rale from ·the date of di~bursel1lent and shall bt: payable, with liiuch interest, UPOIl notice from Lender to Bo"rrower requesting 

payment. If this Security Instrument is on a leasehold, Borrower .shall coI.lply with all die provisions of the lease. If Borrower acquires fee tide to lhe Property, thl3 18usehold und dIe fee title Nhallnolmerge unlesN Lender Hgrees to the merger in writing. 

JG. Mortgage Insurance. If Lender required Mortgage InsUl'allce a~ a condition of nUtting the Loan, Borrower slutll pay dle premiums required 10 maintain die Mongage Insurance in etTect. tr, for any reason, the Mortgage In.li;uram:e covetHge required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower wa.s required to lIIake separately dtsignated paymcllLli; loward the premiums tor Mortgdge Im:urHllce. Borrower shall pay dle premiulils required lO OblBiu coverage substantially equivalent to the MortyHge Insurance prevIOusly in effect, at a cost substantially 

equiYllJem to die cost to Borrower of the Mortgage Insurance previously in cHeCl, from 811 .alternate 

mortgage insurer selected by Lender. If NUbStlUllililly equivalent Mortgage Insur.l.IIce coverage is not 

8vHila.ble, Borrower shall continue to JlBy co Ltmder die llmount of the separately designated pHylllell18 dlat were due when the insurance coverage ceased to bt: in effect. Ltmder will accept, use and retain these paymellts as a lion-refundable lOllS reserve in lit:u of Mortgage [lIsur.ul(:e. Such lor;r; reserve shall be l1on-refundabti!, notwithstanding the fael dUl.t the Loan i:; ultimately paid in full, and Lender shall 1I0t be required In pay Borrower any interest or earnings on liiucll loss re~'t:rve. Lender can no Jonger require losr; ret.-erve pllyl11enl~ if Mortgage Insurance coverage (in the 1t11loullt and for the period tlmt Lender requires) 

provided by all insurer selected by Lender ngain becomes Hvailable. h: oblBincd, and Lender requires ~parately designated payments toward the premiums thr Mortgage fU8urance. If Lender required Mortgage Insurance as u condition of making the Loan and Borrow¢r was required to make scpllrattly designated 

payments toward dlt:! premiullLo.; fur .Morlgag¢ Insurance, Borrower shill! puy the premiums required 10 

mainlBin Mortgage Insurance in entcr, or to provide u non-refundable loss reserve, until Lender'!; 

r"quiremellt for MOf[g2lge Insumnce ends ill accordHllce with any written Hgreemem between Borrower and 

Lender providing for such termination or until termination is required by Applicable Law. NothilJg in this St:!CtiOIi 10 .. ffecls Bormwer's obligation to pay interest at the rate provided in die Note. Mortgage Insurance reimburses Ltmder (or any entity dlat purchuses the Note) for cerUtin losses it 

may incur if Borrower does not repay die Loan as agreed. Borrower is 1I0t a party to die Mortgagt: Ins.urance. Mortgagt: ill8urer~ eyaluHte dleir total risk 011 all such hlli;urdllce in fon:e from time to lime, and llIay enter into agreemellC8 with odieI' parties that share or modify their risk, or reduce 10liiscs. The!le Hgreements are on terms Hnd conditions that are :;atisfactory to the mortgage hlli;urer and the adler party (or parties) to 

the.!o'C IIgreemelUs. These agreements may require die mortgage insurer to nJake payments using lilly source of funds tbiu tbe mortgage insurer nmy have HVHiJable (which IIJay include: funds obtained from Mortgage Insurance premiums). I 

As a result of dlese ugreemellL .. , Leuder, any purchaser of the NoW', Buodler insurer. ally reinsurer, 

ally odieI' entity, or any aftiliate of lilly of die foregoing, may receive (directly or indirecdy) amounts dlat derive from (or might b~ characterized as) 8 portion of Borrower'!,! paylllenL~ tor Mortgage Insurance, ill 

exchange for ~hllrillg or Iliodifyitlg dlc mortgAse in:mrer's risk, or reducing lossclii. If liiuch agrc~lI1ellt 

provide~ that all affi'ilile of Lender takes a share of the ill~urer's risk in exchange fur II share of die prel1liulll~ paid to the ilLli;urer, die arrangemem is often term~d "captive reinsurance." Furtht:r: (0) Any such agreements will not affect the amDunts thAt BDrrower hR..'i agreed to pRy for 

Mortgage Insurance, or Rny other terms of the Loan. Such agreements will not increAse the Amount Borrower will owe for Mortgage InSUrAnce, and they will not entitle Borrower to Rny refund. 

0729942433 

CIt .6!CAI {02071.01 P"IIoOo1H'i FOlm 3005 1Jo1 

'--------------------- ~ ~-----~-~-~~- 09-412
(b) Any such agreements will npt affect the rights Borrower has - If any .. with respect to the 

Mortgage Insurance under the Homeowners Protection Act of 1998 or Rny other law. These rights may lntlude the right to receive certain disclosures, to request Rnd obtain cancellaUon of the 

Mortgage Insurance, to hAve the Mortgage Insurance terminated Rldomntically, Rnd/or to receive a refund of Rny Mortgage Insurance premiums that were unenrned Rt the time of luch cancellation or termination. 

11. Assignment of Miscellaneous Procecmj forfeiture. All Miscellaneous Proceeds are hereby 

as!Oigned wand shall ~ puid to Lender. If Ole Property is damaged, such Miscellaneous Proceeds shull be appJied to restoration or repair of die Property, if the restor-ition or repair is ecollomically feasible and Lender's security is not lessened. During l';uch repair Hnd restor'dtion period. Lender ShKII Jlltve the right to hold such Miscellaneous Proceeds 

ulltil Lender hag I!ltd lUI opportunity to inspect such Property to ensure die ~ork has been completed to Lender's satisfaction, provided that such inspection shall be undertaken prompUy. Lender may pay for the 

repairs alld resloration in a single disburl'cmtmt or ill a series of progress paYlllent.~ as the work is c()mpleled. Unless an agreetilCII( is made hi writing or Appli[;abJe Uiw I~qujres huere~t to be paid on sucb Miscelhllleous Procetds, Lender Mhall not be required to pay Borrower any interest or earnings on 8uch Mb:cellaneflus Proceeds. If lIle reslor.lltiOI1 Or repair is not economically feBliible or Lender's security would 

be lessened. dIe Miscellaneous Proceeds shall be ap~lied tn cite sums secured by this Security In.qtnunent, whetJuuor 1I0t then due, witJt die excess. ifuny, paid to Borrower. Such Miscellaneous Proceeds shall be 

applied In the order provided for in Section 2. In Ole evem of Ii total tHking. destruction, or 109s in value of Ole property, the Miscellaneous 

Proceeds shall be applied to Ule sums secured by this Security Jilstrumelll, whedter or not then due, wilh the excess, if any, pltid to Borrower. In lh~ event of a partial taking. destruction, or lOS-ii ill value of dIe. Property In which the tair lIIarket value of th!!' Property illimediately before the partial laking, destruction, or loss in value is equlll to or greater thaI! the amount of me sums secured by dlis Security Instrument immediately before the pitrtial 

laking. deNtruction, or loss in va rue. Qllles...: Borrower and Lender otherwise agree ill writillg. lfIe 8ums 

secured by this Security Instrument shall be reduL:ed by die alUount of the Miscellaneous Proceeds Ulultiplied by the tollowing fr.llction: (n) lhe towl aillount of tJle sums secured illunediately before the partial taking. destruction, or loss in value divided by (b) the nlir market value of Ule Property 

inunedilltely before tile p'drtial taking, destruction, or loss in value. Any balance $111111 be paid (0 Borrower. In the evem of a partial taking, destruction, or IONS in value of the Property in which the fuir market value of dle Property inunedhuely before die partial takinG. destruction, or loss in value t~ less thall the amount of the StliliS secured inunediHtely before the paniKI taking, destruction, or loss in value, unless 

Borrow~r and Lender otherwise aMree ill writing, the Miscellaneou8 Proceeds shltll be applied 10 the sums ~cured by Ihis Security lnstrument whetJler or not the lIutnS I1fe then due. If tIle Property lS abllndoned by Borrower, or if, after Ilotice by Lender to Borrower dilit the 

Opposing Pany (as defined in tIle next .!ientence) offt!1'S to make Oil) award to settle a claim for dIInUlges.. Borrower tails to rc::;:pond to Lender WitJlill 30 days after die date the notice is given, Lender is aUlhorized to collect and ItppJy the MisceJlaneou!l Proceeds either to restoration or repair of the Property or to the 

SUIllS secured by this. Security Instrument, whetJler or uot then due. "Opposing PHrty" mealls the dlird J1d.rty tJlat owe~ Borrower Mb:cellaneous Proceedbi or die party agains.t whom Bllrrowcr bas H right of acdon in regard to Miscellaneous Proceeds. Borrower shall be in defliult if any action or prol,:eedlng, whether civil or criminal, is: begun dlat, in Lender'G judgment. could result in torfeiture of the Property or otJler materiul impairment of Lender's interest in the P(Operly or righ~ under this Security Instrument. Borrower can cure such 11 default and, if 

acceleration hall occurred, reillswte as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling dlat, in Lender'lI judgment, precludes forfeirure of tJle Property or adler material 

impairment of Lender's interest in die Property or rights under Utis Security Instrument. The proceeds of any award or chdm for damages tJl<lt are attributable ro tire impairment of Lender'S intere.r;;, ill the Property 

arc IUAitM'~~~I~I~e~~~ ~~~~:e~rJ~a~oa~~~t'applied 10 resrorutioll or rcpair of the Property shall be 

applied in the order provided for in Section 2. 

12. Borrower Not Released; Forbearance By Lender Not A Wolver. Extension of the time mr 

payniellt or modification of all1ortiunioll of dIe SInUS secured by this Security Instrument grullled by Lender 

0729942433 

~.6(CA)I0201l.01 P~o90'16 Form 3006 1/01 

09·4
to Borrower or any Suece!l!lOr In Interest of Borrower shall not operate m release the Ihlbility of Borrower or any Successors in llittrest of Borrower. Lender shall not be required to COinmellce proceedings against any SUccessor in Interest of Borrower or 10 refuse to e"tend lime for payment or otherwise modify amorlizUlolI of the sums secured by dlis Security Instrument by relUIOli of BUY dellwnd nmde by the arigirwI Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising ally right or 

remedy including. without limitation, Lender'!\ acceptance of paYll1ems frolll third persons, entities or Successors in Interest of Borrower or in alllount.'( less than Ihe IUIiOUlit then due, shall lIot be a waiver of or 

preclude die excrci!'c of any right or remedy. 

13. Jul.' Rnd Severnl Liability; COMslgners; Successors Rnd Assigns Bound., Borrower COVeJlIlnL~ 

and agrtes dllll Borrower's obligations and liability slnlU be joint and fievet'.tl. However, .!Illy Borrower who co-sig,lIs tbis Security Instrument but doe~ not execute the Note (a "co-signer"): (a) is co~sjgning Ibis Security Instrument only to mortgage, grant and convey the co-signer'~ interest in the Property undl::r the 

terms of this Security Instrument: (b) is 1I0t persOlwlly obliGated to pay the sums secured by this Soourlty 

Inl'itrumcllt; and (c) agrees that Lender and lilly other Borrower can agree to extend, modify, forb~ar or make allY accomDiodalioll.~ widl regard m dl., ternl~ of dlis Security hl~rrul11ent or lhe Note whlmut the co-signor'N COll'\Cllt. SUb~1 to the provisions of Section 18. liny Successor in Interest of Borrower who lIssumes Borrower's obligations under this Security Instrument in writing, and is approved by Leuder, shall obUiin 

all of Borrower'!,: rights lind benetils under dlis Security lnstrument, Borrower shall not be released from Borrower's obligations and liability muh:r this Security lnstrulllent unless Lender agrees to such release in writing. Tile covenanLIit and agreemenh'l of thit: Security IU!1tnlluem shall bind (except liS provided in 

Section 20) and benetit the su~esrors aUld aNsigu8 of Lender. 

14. Loan ChRrges. ultd~r may charge Borrower feel> for services performed in connection with Borrower'lI defuult. for dIe purpose of protecting Lender's interest In the Properly and rigbts under this Security [nstrunwUl. including. but lIot limited to, attorneYN' fees, property inNpectioll and vllluillioll ",es. 

In regard to ally other fees, the absence of exprc:s!lltllthority in dlis Security Instrument to charge II. specitic fee to Bprrower shall not be coustrued as a prohibition 011 the charsing of such fee. Lender may 110t charge fees dlln are expressly prohibited by Ellis Security Instrument or by Applicable Law. If the Loan is subject to a law which sets mli~imuUlloan charges, and tha.t law is finally illtel"preted so 

that the interest or odJCr lOliU charges collected or to be collected in cOllnection with the LOlli! exceed the permitted Iilllil~. dleu: (.a) ailY suell loan c1l1lCge shall be rt!duced by dll~ amount necessary to reduce dIe clulrge to the p~nllitted limitj and (b) any ilUIU,S already coU.,cted from Borrower which exceeded penniued limits will be refunded to Borrower. Lender IlIlly choose to make dlis refund by reducing dle principal 

owed under die Note or by making a direct payment m Borrower. If a refund reduces principal, the reduction will be treated as a parlial prepayment without any prepayment charge (whether or not H 

prepaYlilent charge is provided fur under dIe Note). Borrower's acceptance ot' any such refund made by direct pl.lyment [0 Borrower will cons.titute a waiver of uny right of action Borrower Iniuht have anllinG out of such overcharge. 

IS. Notices. All notice~ uiven by Borrower or Lender in connection with this Security Instrument 

must b~ ill writing. Any notic.:e to Borrower ill connection widl thi!l1 Security Instrument ~ha1L be deemed to huve been given to Borrowl::r when mailed by fin-ll ~Ias$ utail or wilen actually delivered to Borrowl::r's notice uddces£;. if sent by odler lUeall$, Notice to ~my olle Borrower shall constitute notice to all Borrowers UltIe.'<S Appiicltble Law cxprel>sly require .. otherwis.e. Tlu:: notice address Shlill be die Property Address 

unless Dorrower hits designated a substitute notice address by notice to Lender. Borrower shHIl promptly 

notify Lentler of Borrower'S change of addrclis. If Lender specifies a procedure for reporting Borrower's change of address, thell Borrower Shlill only report a change of address through that specified procedure. 

There may be only one designated nouce addre"' ... under dlis Security ImullImem at any 0111: time. Any notice to Lender shall be given by delivering it or by mailhlG it by tirst ctasll mail to Lender's "ddres!' stlited herein unless Lender has designated anodler IIddress by notice m Borrower. Any liotice in connection with this Security Instrument shall 1I0t be deemed to have been given to Lender until aClually n::ceived by Lender. If any notice required by tId!' Security Instrulmmt is also required under Applicable 

Law, du: Applicable law requiremcnt will sllti!'fy the eorreNpcmding requirement under this Security 

Instrument, 

_.6ICAJI02011.01 '~ 0729942433 

f'og1l100116 Form 30m; 1101 
16. Governing Law; SeverabJlity; Rules of Construction. This Securhy Instrument shall be 

governed by fed~rlll luw and thl; law of the jurif.dlcLion ill which the ProP!;rty is loCtlwd. AU righU: and ubligHliolls cotltuin~d in dlis Security Instrument are subject to ~Il1Y r~quirements sud limitations of AppJicable Utw. Applicable Law mIght oxplicilly or implicitly allow the parties to agree by contract or it might be silelU, but such silence shall not be construed as a prohibition against agreement by contract. In the event thllt 811y provision or clause of this Security Instrument or the Note conflicts widl Applicable Luw. such conflict shall nOl affect other provisions of thi!! Security Instrument or the NoW wltich can be 

given eftect without the conflicting provhlion. As used in alis Security Instrument: (a) words of the masculine gender shall mean and il!clude 

L:Drresponding Jleurer words or words of Ihe femini1le gend.:rj (b) words ill Ihe singular shllll mean lind 

include dIe plural and vicc verSH; an.d (c) the word "m8y" give~ sole discretion without any obligauon to 

take any action. 

17. Borrower's Copy. Borrower slmlt be given olle copy Dfthe Note and ofdlis Security In.Hrument. 

18. Transfer or the Property or R Beneficl,,1 Interest In Borrower. As used in this Secunn 18. 

"Interest in the Property" l11eam' any legal or beneficial illlerest il1me ProperlY. including. but not limited to, those beneticial interest:,: transferred in II bond for deed. contract for deed, installment sales contract or 

e&:m~. :"r~~I~~~tp~:~ ~~t~:!t P~O~:~~I ~~ ~:;y ~~I~~~:t ~~ '~:. ~ro:g:::~e~o1~ ao~~~~~?:r~:'(~l~r~~~~~er is lIot R natural person and B beneticial interest in Borrower is sold or tr.wsfelred) without Lender's prior written con~ent. Lender DUlY require immediate payment In full of all sums secured by this Security lnstrument. However. this opdoll shall 1I0t be exercised by Lender if such exercise is prohibited by 

Applicabl, Law. If Lender exercises this option, Lender shall Dive Borrower l1otit!e of tlcceJerlltion. The lI(tti~ shl:lll provide .<1 period of not less dum 30 days from the date the notice is given in ItCcordallce with Section 15 within which Borrower must puy all sums secured by this Security Instrument. If Borrow.:r fdils to PIlY dlese sums prior to the expinuioll of dlis. periOd, Lender may invoke allY rel1ledleN permitted by this Security Instrument WitilOU[ further !Iotiee or demand on Borrower. 

19. Borrower's Right 10 Relnstnte After Acceleration. If Borrower mect..'l certain conditions. Borrower shall have die right to have cllfortemellt of this Security Instrument discontinued at any time prior to dJC earlie~t of: (8) five days before sale of the Property pursuant to any power of sale cOJltained ill this Security Instrument; (b) such other period as Applicable law mighl specify for lhe tenlliuauon of Borrower's right to. reiuiluue; or (c) entfY of a judgment euforcing this Security InsU'umctlt. Those 

condition!' are that Borrower: (It) PKYS Lender all sums which dJeJI would be due under tJii~ Security Instrument aud the Note as if no acceleration had occurred; (b) cures allY defilult of allY other covelWIla; or 

agreement....;: (c) p"ys all expenses incurred ill enforcing this Security Instrument) includiR!!". but nut limited to. n:asollable attorneys' fee!;, property inspection and valuation fees. lind other fees incurred for the 

purpose of prolecting Lender'to intcrest in Ihe Property and right..~ under dlis Security Instrument; and (d) takes such Ilc[iol) all. Lender IIlQY reasolwbly require to assure that Lender's interest in the Property and rights under this Security (nstrulillmt, and Borrower's obligltLion to pay die sums secured by dlis Security (n~tru1l1elll. shull continue unchanged. Lender may require that Borrower pay sucb reinstueillent SUIIlS and e'Cpenses in olle or more of dle following forllu~, as: selected by Lender: (a) cash: (b) money order; (c) 

certified check. bank cbeck, treasurer's check or cashier's check. provided any ~uch check is drltwll upon all institution whose deposits are insured by It federal agency, imilrumentality or entity; or (d) Electronic Funds iransfer. UpDn reinstatement by Borrower, dlis S~curity Instrument Hud obligatiDns sc!.:ured hereby 

shall remain fully effective as if 110 acceleration hlld occurred. However, this right to reinstate sl.all not IIpply in the case ofHccelerauon under Sectioll18. 

ZOo SAle of Note; Change of LURn Servlcer; Notice of GrieVAnce. The Note or a partial interest in th!: Note (together wid} this Security Instrument) Clm bl; sold one or nlOre timC8 withollt prior notice to Borrower '. A salt: might re~ult in 1I change ill dIe entity (known as the "Loull Servicer") that collects Periodic Payments due under the Note and this S~curity Instrument lind performs Olller mortgage 10llu servicing obligations ullder die Nore, I1l18 Security Instruml;llt. and Applicable Lllw. There also might be Olle or more cbanges of th~ Loan Servic.:r unrellited to a sale of dle Note. If there is a challge of tlu;. Loan St:"rvicer, Borrower will be given written notice of dIe change which will SbllC the IIlIme and addret;t; of the new Loan Servicer, the IIddress to which paymeut..\; should be mllde lind liny other informauon RESPA 

ctI& ·a{CA) [020Yf,Ol 'Cfy 0729942433 

P~elloIH; Form 3006 1/01 
requires in cOIUlection with a 'lJ[)tice of tranltfer of ~ervicillg. rr the Note is sold and (herean~r dle Loan is 

serviced by a Lmm Servicer other dum lh~ purchaser of the Note, (he lIlorlguge loan serviciug obligations 

to Borrower will remain with the Loan Se:rvicer or be tr,UJRferred to tI successor Loan Servicer and are not 

assumed by the Note purchaser ullles~ odlerwise provided by the Note purchaser. 

Neidler Borrower 1I0r Lender may comlllence. join, Of be joined to tilly judicial action (as either an 

indiv-jdual litigimt or die member of a chuos) that arises from the other pY:fty's actions pursUltnt to thi~ 

Security Instrument or that alleges that die odler party has breached auy provision of, or auy duty owed by 

reason of, lhis Security Instrument, ulltil Nucll Borrower or Lender has notified the adler party (with such 

nolicc given in compliance with die requircmenl.q of Sectioll IS) of such alleged breach Hnd tlt'forded the 

otller party hereto a reasonable period at~r the givialg of such notice to take correcdve acrion. If 

Applicable Law pruvidds a Dme period which mUlit elapse before certuill action can be taken, thllt tiIne 

period will be d~ellled to be reasonable fhr purposes of this pamuraph. The nDtice of ac~leratioll and 

opportunity to cure given io Borrower pursuaut to Section 22 and the notice of aet:el~ration given to 

Borrower pur~uant to StX:tion 18 silltll be deemed 10 tiatisfy dIe Ilotic~ and upportunity to take corrective 

action provisiolls of lhis Section 20. 

2]. HUArdous SubstnRces. As used in this Seclioll 21: (a) "H.HZardous Substances" are those 

subsmnces defined as toxic or hazardous substances, pollutants, or wa~tes by Environmental Law, and the 

following SubsUlllceM: gasoline, kerO!.ene, other flallllllable or toxic petro leu III products, toxic pesticides 

and herbicide", volatile sOlVenl"i, IIlllterials cOJltainillg asbestos or formaldehyde, and radioactive materials; 

(b) "Bnvirollll1emal Lllw" mealltl federullaws and laws of die jurisdiction where (he Property iN located that 

relate to healdl, safety or environmental protection; (c) "EnvirolUuenral Cleanup" includes any response 

:lction. remedial action. or removal action, ItS defined in EnvironmenM Lllw; ami (d) lin "Eltviromncntal 

Condition" means a condition thllt CUll cause, contribute to, or otherwise trigger lIll Bnvironmental 

Cleanup. 

Burrower shall not cause or permit the pre~ence, USe, disposal, storace, or releHse of amy Htl2:ardous 

SubStances, Of tilrearelJ to release any Ha2:srdous Subl'lances, 011 or in the Property. Borrower shan not do, 

nor allow anyone else to do, anything affecting lhe Property (a) that is in violauon of any Environmental 

Ll1w, (b) which creates an Ellvironmental COlldhioll, or (c) which, due to the presence, use, or release of a 

H<lzardous Substance, creates a condition that adverselY affect'" the value of the Propeny. The preceding 

two sentences shall 1I0t apply to the presence. use, or storage 011 the Property of small quantities of 

Hazijrdous Substances thllt are geller-illy recognized to be appropriate to normal residential uses and lO 

maintenllllce of the Proptlrty (im:luding, but Ilut limitt:d to, hazecrdous subsUlllces in conSUIDe:r products). 

Borrower shall promptly giv~ Lender written notice of (H) any investigation, claim, demand, lawsuit 

or other action by auy' governmelUal or regulatory agency or private party involving the Property and any 

Hazardous Substance or BllvironmenlHi Law of which Borrower has acrual kllowltdue, (b) any 

BnvironlUelltal Condition. including but not limited to, any spillirig, leaking, discharge, release or threat of 

rele"se of allY HazardolL'\ Subs'tance, ~nd (c) any condition cuused by the presence:. use or reletlse of fI 

Hazardou~ Substance which .Hdversely affect:'! die value or the Properly. If Borrower learns, or i~ notified 

by any governmcnUlI or ~gulatory authority, or any private party, that any removal or other remediation 

of .my Hazardous SubslBnce anecting the Property i~ nece.!lsllry, Borrower shall promptly Ulke aU neces~ary 

rem~dial actions in accordance with Environmental Law. Nothing herein shall create any obligation on 

Lender tor an ElJvirolllllemHI Cleanup. 

_-6ICAII0207J,Ol IOI~ 0729942433 Pagal;!o!11i Form 3006 1/01 
NON·UNIFORM COVENANTS. Borrower and !..ender turdler covenanl .nd agree os follows: 

ZZ. Acceleration; Remedies. Lender shall give notice to Borrower prIor to acceleration following 

Borrower's breach of Rny covenant or agreement In this Security Instrument (but not prior to 

Acceleration under Section J8 unless Applicable LAW provides otherwise). The notice shall spedI)': (8) 

the defltuJt; (b) the action required to cure the defauU; (c) It date, not less than 30 days from 'he date 

tbe notice I~ given to Borrower, by which the defoult must be cured; nnd (d) that fAilure to cure the 

default on or before the dRte speclned In the Rotlce may result In acceleration of the SUIllS' secured by 

this Security Instrument Rnd sale of the Property. The notice shall further (orono Borrower" of the right to 'reinstate aner Rcceleratlon and the right to brln'g a court Rctlon to Assert the non .. existence of 

a defAult or .alRY other defen!i:e of Borrower to Acceleration and sole. If the default is not cured on or 

before the dhte speclned In 'he notlce. Lender at Its option l118y require immediate payment In full of 

All sums secured by this Security Instrument without fur.her denumd nnd may Invoke the power of 

sale and Any other remedies permitted by A pp1icable Law. Lender shall he entitled to collect aU 

expenses Incurred In pursuing the remedies provided In this Section :2:2, Including, but not limited to, 

reasonable Attorneys' fees Rnd costs of title evidence. 

If Lender Invokes tile power of snle, Lender shall execute or CHuse Trustee to execute R written notlce of the occurrence of an event of detRult Rnd of Lender's eleetlon to CRuse the Property to be 

sold. Trustee shall cause thls notice to be recorded In each county in which Rny part of the Property 

Is lOCAted. Lender or Trustee shall I11RII copies of the noUce RS prescribed by AppUcable Law to 

Borrower Rnd to the other persons prescribed by Applicable Law. Trustee shall gl\'e publlc notice of 

sale 10 the persons And in the manner prescrlhed by Appllcable Law. After the time required by 

Applicable law. Trustee, without del11Rnd on Borrower, shall sell the Property at public Rllction to 

the hlghl5t bIdder at the time and place Rnd under the terlm' designated In the notice of sale In one or 

more prarcelS' And in any order Trustee determines. Trustee may postpone sate of nil or any parcel of 

the Property by public announcement at the time and ptnee of Rny pre\'lously scheduled sale. Lender 

or Its designee tTUty purc:hase the Property at nny snle. 

Trustee shall deli\'er to the purchaser Trustee's deed con\'eylng the Property without any 

covenant or warranty, expressed or Implied. The recitals In the Trunee's deed shall be prltnR fade 

evidence of the truth of the statements made therein. Trustee shall apply the proceeds of the sale in 

the follOWing order: (a) to All expenses of the saJe, Including, bllt not limited to, reasonable Trustee's 

and attorneys' feesi (b) to all sums secured by this Security Instrument; nnd (e) any exras to the 

person or persons legally entided to it. 

Z3. ~I\l'cysll'ce. Upon payment of all sums secured by thl~ Security Instrument, Lender shall 

request Trustee to reconvey the Property and shall surrender this Security Instrument and all nows 

evidt!llcillN debt secured by this Security Instrument to Tru~uee. Trustee shall reconvey die ProperlY 

without warrunty to the person or pefSoll!llegally entided to it. Lender may charge such person or persons 

8 reHsollllble fee tor reconveying the Property, but olily it' the fee is paid 10 a Ulird party (such as the 

Truswe) for services. rendered and the charging of the ti:se is permitted under Applicable Law. It" the fee 

charged does 1I0t exceed the fee set by Applicable Law. tile tee is conclusively presumed to be reasonable. 

Z4. Subslitute Trustee. Lender. at iL<; option, may from time to time appoint 11 guccessor trusfee to 

any Trustee ~ppninted hereunder by an instrument executed and acknowledged by Lender alld recorded in 

the office of the Recorder of dlC county in which the Properly is located. The in.o::trul11ent shall oolltainthe 

name of the origirnll Lender, Trustee and Borrower, the bunk and podge where dlis Security Instrument 1S 

recorded and dIe name and address of the successor trustee. Without conveyance of the Property, dIe 

successor trustee shlill succeed 10 al1 the titl!!:, powers and duties conferred upuliIDe Trustee herein and by 

Applicable Law. Ttlis procedure for substitution of uustee shall govern to the exclusion of all odler 

provisiuus tor substitution. 

2!i. Statement of Obligation Fee. Lender Illay collect .1:1. iee not to exceed the maximum amount 

permitted by Applicable Law for furnishing die ~tatel11ent of ob1igation a~ providcd by Section 2943 of the 

Civil Code of Cilifornia. 

ea ·8{CAII0207I.01 ""'~ 0729942433 

PilfjIe13allG Form 3006 1101 

09-412
BY SIGNING BBLOW. Borrower accepu;. and agrees to dll: terms and coyen.ll.nl,~ contained in thi~ 

Security InstrulI1t:nt and in ally Rider executed by Borrower and recorded with it. 

Witne~seS': 

____________ (Se.l) 

-I]orrnwtlr 

____________ (Se.l) 

-Dorrow(.lr 

____________ (Se.l) 

-Burruwer 

___________ (ScaQ 

·Borrowcr 

___________ (Seal) 

·Bllr/TIwcr 

____________ (Seal) 

-Burrower 

____________ (Se.l) 

-F.lonOWI.1 

0729942433 

CIt-6fCA1CCl2011.Cll P"",~ 14 of 16 Form 3005 1/01 
StAte of CaliforniA 

County or sG..-t .-Q......,.,_~ } 55. 

bemreme. (\;\\...~ Qt....~~ Q... ",i:)~"6 per~onally appeared ~ 

• personally known to llIe 

(or prov~d to m~ on the basis of S',uJst"acwry evidence) to be 'htl person{~) whostl..!!!!!!!.~(s) is/are sub.scribed 

to th~ willlin Inslrumcnt and acknowledged to me dlat h~#he/lhtly executed llitl same in hisfher/their 

authorized c~s). and that by hislln~rJl1l~ir sigWlture(s) on dle illstrumenr dIe person(s) or l'iieeiitity 

UPOll btlhalf of which 111~ ~ acted. ex~cuted die instrument. 

WITNBSS Illy hand and official seal. 

""'118160116 '""~ Form 3006 1/01 

0729942433 

'----------------------
Exhlbll"A" 

Legal Description 

Lot 259 as shawn an the olllcial "Plat of South Curtis Oaks Subdivision No.6", mad in the office of 

the County Recorder afSacramenio County, February 10, 1927 In Boak 19 of Maps, Map No. lB. 

Apn: 013-0363-001 

09-412
FIXED/ADJUSTABLE RATE RIDER 

THIS FIXED/ADJUSTABLE RATE RIDER is m.deoll this 4th day of January 

2007 • and is incorporated into Dnd shall be deemed to-amend and tIoupplement the Mortgage, 

Deed of Trust or Security Deed (the "Security Instrument") of Ihe same date given by the uudersigned 

("Borrower") to se(;ure Borrower'" Fixed/Adjustable Rate Note (dIe "Note") to Washington Mutual 

Bank 

("Lender") of the same date and covering the property described ill dIe Security 11Istrwllent ~U1d located 3t~ 

3622 Wast Curtis Drive, Sacramento, CA 95818 

THE NOTE CONTAINS PROVISIONS ALLOWING FOR A CHANGE FROM THE 

INITIAL FIXED INTEREST RATE TO AN ADJUSTABLE INTEREST RATE AND 

FOR CHANGES IN THE MONTHLY PAYMENT, THE NOTE LIMITS THE 

AMOUNT BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME 

AND THE MAXIMUM RATE BORROWER MUST PAY, 

ADDITIONAL COVENANTS. In addition to the covenants and agreement:; made in the Security 

Instrument. Borrower and Lender further covenam and aGree as follows: 

A. INTEREST RATE AND MONTlILY PAYMENT ClIANGES 

The Nole provides tor 3n inhial fixed interest rate of 8.800 %. The Note 

provide~ for a change ill the initial tiJted interest rate to an adjustable interest rate Ilnd for changes in the 

monthly paynu:nts. as follows: 

4. INTEREST RATE AND MONTllLY PA YMENT ClIANGES 

(Al Change Oates 

The initial fixed interest rate Borrower will pay will change to an adjustable interest rate 011 the first 

day at" February. 2009 • and the interest rute Borrower will pay may Change 

011 that day every 6th month thereafter. Bach date Oil which Borrower's inlere~( rate could 

change is clilled 11 "Clumge D:.ne." 

(8) TI,. I"d •• 

Beginning with the tina Change Date. Borrtlw\!r's interest rate will be based all an [lidex. The "Index" 

is the aVIlTlige of interbank offered rates for six month U ,So dolhtr-denominated deposits in die London 

market ("LlBOR"), <IS published in Tile Wall Str(!ct Journnl. The most recent Index tigure avuilable as of 

the date 45 day~ before the Qlange Date is called the "Current Tndex, .. 

Flxod/AdluDlablo RlII1G Rldo, - Llbor 0729942433 

4140623 (0509) Page 1 of 3 

09_4
It' the Index is no longer available. the Note Holder wiIJ choot:e a new index that is based UpDlI 

comparable information. The Note Holder will give Borrower notice of this choice. 

(C) Calculation of Change., 

8.:tore eacb Change Date. tile Note Holder will calculate Borrower's lIew interest r.He by adding 

Four and 99/100 percelltage poillts ( 4.990 %) 

to the Current Index. The Note Holder will thclI round the rel'ult of this addition to the nearest one-eighth 

of aile percenwge point (0.125%). Subject to the JimilS I'lUtcd in Section 4(0) below, this rounded amoullt 

will be Borrower's new interest rate until the next Change Date. 

The Note Holder will dlen determine the amount of the llIomhly payment lhat would be sutlicient to 

repay Ihe unpaid prindpal that Borrower is expected to owe at the Change Date in fun on the Maturity 

Date at Botrower'~ new interest rate in subswntialJy equal pllylllem.~. The result of this calculation will be 

die new amount of Borrower's moudlly payment. 

(D) Limits on Interest Rate Chnng .. 

The interest rale Borrower is required to pay at the til'St Change Dnte will not be greluer than 1 O.BOO % 

or less than 8.800%. ThereHt~r, Borrower's ilUerest rate will never be increased or decreased all any 

~ingle CIIIUlge Date by more tllaliOne percentage polm(s) ( 1.000%) from die role 

of iUlerest Borrower hlas been p.ayinS for the preceding months. Borrower's interest rale will never be 

grcater 1Iian 14.800 % or less thatt 8.800 Wi. 

(E) Effectiv~ Date or Changes 

Borrower'S new ink:rest rale will becollle etleclive on each atange Date. Borrower will pay the amount 

of Bnrrower'!ol new mOlllhly payment beginning 011 the first monthly payment dllte aJter the alange bate 

until [he umount of Born;lwer's mOllthly payment clllmges again. 

(I') Notice of Changes 

The Note Holder will deliver or mail to Borrower a notice ot' any changes in Borrower'S interest rale 

Hnd the "mount of Borrower's monthly payment before the effective date of liny change. The notice will 

include information required by law to be given to the Borrower and also the tille and telephone number of 

a pernoll who will Olns-wer ~U1y que:ltion Bornver may have reguming the Jlotice. 

B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Covenant 18 of the Security Instrument is amended to read as followfl: 

(A) Until Borrower's illtitial tixed interest rate changes to an acIjusUlble interest rate under the terms l'ltawd 

in Section A above. Covenant 18 of the Security Instrument provides l:IS follows: 

TrSl1ster or the Prop~rty or It Beneticiallnterest in Borrower. 1fa.1I or any part of the Property or Imy 

interest in dIe Pl'openy is sold or transferred (or if Borrower is 1Wt a natural penon and a. btmeticial 

imeresl til Borrower is sold or transterred) without Lender's prior written consent, Leuder nwy require 

immediate payment in full of ull sums secured by tltis Sccurity IJlstrument. However, this option shall not 

be exercis~ by Lender if such exercise is prohibited Applicable Law. 

If Lender exerci~1' [his option, Lender shall give Borrower notice of accele .... ttioll. The notice shall 

provide a pt:riod of not less than 30 days from the date the notice is given in accordunce with Section 15 

within which Borrower must pay all 8UnL.~ secured by this Security Instrument. If Borrower fails to pay 

these sums prior to the expiration of this period, Lender may invoke Imy remedies permitted by dlis 

Security Instrument without further notice or dellland on Borrower. 

Fixed/Adjustable f\a\8 Rider· L.lbDt 0729942433 

4140623 (0509) Page 2 of 3 

L-____________________ ~ __ _ 
(0) When Borrower's initial tixed interest rate changes to an adjustuble interest r,ne under the terms stated 

in Section A 3bove, Covelwnt 18 of the Security Instrument shall dlcn instead provide liS' tollows: 

Transfer of the Property or n BeneficiAl Interest In Borrower. A~ used in this Section 18, "Interell

in the Property" means an tltor btmeticial iJ1wn~st in tlae Property, including. but 110t limited to, tho!<o

beneticial illlerest I a bond for deed, contract for deed. bl.~tallment SHies contract or escrow 

agreement, dIe . .~le Itl:l.u.qter of title by Borrower at 3 fqture dale to 3 purchaser. If 311 o

any purt of til interest in tIle Property is sold or trumterred (or if Borrower is not a 

n.atural person and a . Borrower is sold or trausterred) without Lender's prior written 

consent, lender may }lent in full of aU sums :;e~ured by dlis Security InNtlllmem

However, this option ilhalillot'be exercised by Leuder if such exerc~s~.:Js prohibited by Applicable Law

Ltmdcr nlso shall lIot ltLlftI¥lft'e-"'this option if: (a) Borrower cnuscs to be submitted to Lender illtonl1ation 

required by Lender to eVllJUlue !he intended trauNferee us if a Ilew 101m were being made to dIe lr.:lllft.feree

and (b) Lender r~"!\OIlllbly determines lhat Lender's security will 1I0t be impaired by the loan assumption 

and that the rh:k. of it breach of allY C(lveHlUn or agreelll~nt in this Security JUiltrumem is acceptable to 

Lender. 

To die exWIlt permitted by Applicable Law, Lender may charge a reasonable lee as a condition to 

Lender's COIl!\eJlt to dJe luan assumption. Lender also llliiY require me trans~rce to sign an 3ssumption 

agreement that is 3cceptable to Lender and dnlt obligates the U"ansreree to kecp all die prollliseN and 

agreements Il1l:Id~ in dlt: Note and in this Security Instrument. Borrower will continue to be obligated under 

dIe Note and dlis Security hL~Ulllellt unless Lender releases Borrower in writing. 

If Lender exercisel'i the option to require immediate p3ymtmt ill full, Lender ilhall give Borrower notice 

of acceleration. The notice shall provide a period of nOl JeffS than 30 days from the date the lIotice is given 

in accordance with Section 15 witbin which Borrower must pay all SUIllS secured by this Security 

Instrumem. If Borrower fails to pay tbese sumil prior to th~ expiriltioll of dds period, Lender may invoke 

lilly remedit:ls permitted by thil'! Security Instnllnent without further llotiCtl or denwnd Oil Borrower. 

BY STGNING BELOW. Borrower accepts and agrees to [he terms and covenants cOJltained in this 

Pixed/Adju,,,,bl, Rate Rider. ~ 

~~= 

Fhced/Adju5tabie Rate Rider· Llbor 

4140623 (0509) 

_______________ (S •• I) 

-Borrower 

_______________ (5'.1) 

·Eklrrowc

________________ (5,,,1) 

-l1orrowcr 

[Sign Original Only] 

0729942433 

Pago 3 of 3 
EXHIBIT 11 

RECORDING REC\\Ui:;e,;ED ElY 

CALIFORNIA REcciNVEYANCE COMPANY 

AND WHEN RECORDED MAIL TO 

CALIFORNIA RECONVEYANCE COMPANY 

9200 Oakdale Avenue 

Man St~p: N 11 0812 

Chatsworth, CA 91311 

800 892-6902 

(818)775-2258 (Fa., 

1111111111111111111111111111111111111111111111 

Sacramento County Recording CraiQ A Kramer I Clerk/Recorder BoolI" 20071214 PRGE 0358 Check Number 9109 

Friday. DEC 14. 2007 8,41:18 AM Hi Pd $12.00 Nbr-000519Z1l2 

TMHI74/1-2 

Space above this line for reaord

Truotee Sale No. 723397CA Loan No. 0729942433 Tille Ordor No. M721B84 

IMPORTANT NOTICE 

NOTICE OF DEFAULT AND ELECTION TO SELL UNDER DEED OF TRU

IF YOUR PROPERTY IS IN FORECLOSURE BECAUSE YOU ARE BEH

YOUR PAYMENTS, IT MAY BE SOLD WITHOUT ANY COURT ACTION, and 

have the legal right to bring your account in good standing by paying all of your p

payments plus permitted costs and expenses within the time permitted by 

reinstatement of your account, which is normally five business days prior to the dat

the saie of your property. No sale date may be set until three months from the date th

of default may be recorded (which date of recordation appears on this notice'. 

This amount is $18,356.40 as of December 13, 2007 and will increase until your 

becomes current. 

While your property is in foreclosure, you still must pay other obligations (such as in

and taxes) required .by your note and deed of trust or mortgage. If you fall to mak

payments on the loan, pay taxes on the property, provide insurance on the property

other obligations as required in the note and deed of trust or mortgage, the benef

mortgagee may insist that you do so in order to reinstate your account In good stan

addition, the beneficiary or mortgagee may require as a condition to reinstatement 

provide reliable written evidence that you paid all senior liens, property taxes, and 

insurance premiums. 

Upon your written request, the beneficiary or mortgagee will giVe you a written itemi

the entire aniount you must pay. You may not have to pay the entire unpaid portion 

account, even though full payment was demanded, but you must pay all amounts in d

the time payment is made. However, you and your beneficiary or mortgagee may 

agree In writing prior to the time the notice of sale Is posted (which may not be earlier 

end of the three·month period ststed above) to, among other things, (1) provide a

time in which to cure the default by transfer of the property or otherwise; or (2) est

schedule of payments In order to cure your default; or both (1) and (2). 

Following the expiration of the time period referred to in the first paragraph of this not

unless the obligation being foreclosed upon or a separate written agreement between 

your creditor permits a longer period, you have only the legal right to stop the sale of p

by paying the entire amount demanded by your creditor. 
Trustee S.le No. 723397CA Loan No. 0729942433 Title Order No. M7218B4 

To find out the amount you must pay, or to arrange for payment to etop the foreclos

your property Is In foreclosure for any other reason, contact: WASHINGTON MUTUA

FA at 7301 BAYMEADOWS WAY, JACKSONVILLE, FL 32256, (877) 926-8937. 

If you have any questions, you should contact a lawyer or the governmental agenc

msy have insured your loan. Notwithstanding the fact that your property Is in foreclos

may offer your property for,!I~~!,p~ovid@~l'm'~ffl~f RP,lJfll'ded prior to the conclusio

foreclosure. !;:~., / :.:-t\ .~~~~"'~~;' :.F;;\ ·;iJ~.l~:·~ ~~~: j ;~~~ .' .':: .~r~ ~.i: ~.';; :: ~.;:{ 

REMEMBER, YOU r.t~y""~OSe::;~E'U~:l1.i8iGHitJ;\jF}(OU DO NOT TAKE PR

ACTION. NOTICE IS H~~"~'f~~lyiN THAT: GA!;.)~Q~-N~~ECONVEYANCE COMPAN

duly appointed Trustee unde!' a Deed of Trust dated 01/04/2007, executed by 

RICHARDSON, AN UNMARRI:EP .;;WQIi/IANi". '88 "1I:118t9,(, . is' secure obligstlons in 

WASHINGTON MUTUAL BANIt;;-air'"~8rfiirl'CIi.it~d\il'co'ded 01/10/2007, Book 2007011

1818, Instrument of official records in the Office of the Recorder of SACRAMENTO 

California, a. more fully described on .aid Deed of Trust. APN: 013-0363-001 Situ

WEST CURTIS DRIVE, , SACRAMENTO, CA 95818 Including the note(e) for the 

$535,001.00 that the beneficial interest under said Deed of Trust and the obligations 

thereby are presently held by the beneficiary; that a breach of, and default in, the ob

for which said Deed of Trust is security has occurred in that the payment has not be

of: THE 08/01/2007 INSTALLMENT OF PRINCIPAL AND INTEREST AND ALL SUBS

MONTHLY INSTALLMENTS OF PRINCIPAL AND INTEREST; PLUS ANY ADD

ACCRUED AND UNPAID AMOUNTS INCLUDING, BUT NOT LIMITED TO, LATE CH

ADVANCES, IMPOUNDS, TAXES, HAZARD INSURANCE, ADMINISTRATIVE 

INSUFFICIENT AND PARTIAL RETURN CHECK FEES, STATEMENT FEES, AND OBLIG

SECURED BY PRIOR ENCUMBRANCES. 

That by reason thereof, the present beneficiary under such Deed of Trust, has execu

delivered to said Trustee, a written Declaration and Demand for Sale, and has deposi

said duly appointed Trustee, such Deed of Trust and all documents evidencing the ob

secured thereby, and has declared and does hereby declare all sums secured 

immediately due and payable and has elected and does hereby elect to cause t

property to be sold to satisfy the obligations secured thereby. 

DATE: December 13,2007 

CALIFORNIA RECONVEYANCE COMPANY, as authorized agent for Washington Mutua

Beneficiary, 

By: FIDELITY NATIONAL TITLE COMPANY, authorized agentofCRC 

-d'14YlC4(\~ 

MarrlVl' l. Aauas 

CALIFORNIA RECONVEVANCE COMPANY IS A 

DEBT COLLECTOR AITEMPTING TO COLLECT A 

DEBT. ANV INFORMATION OBTAINED WILL BE 

USED FOR THAT PURPOSE. 

09-4126_
EXHIBIT 12 

RECORDING REQUESTED BY 

CALIFORNIA RECONVEYANCE COMPANY 

AND WHEN RECORDED MAIL TO 

CAliFORNIA RECONVEYANCE COMPANY 

9200 Oakdele Avenue 

Mall Stop: N 11 06 12 

Chatsworth, CA 91311 

nUm8 Salo No. 

Loan No. 

Title Order No. 

mm£A 

0729942433 

M721884 

1111111111111111111111111111111111111111111111 

Sacramento County Recording Craia A Kramer I Clerk/Recorder 

Bool(' 20080319 PAGE 0358 Chllck NWfI\bar 2572 

Wodno.day, "AR 19, 2008 9,07,55 AH Ttl Pd $11.80 Nbl'-000B311112 

JLU/14/1·1 

space above thls line for reco

NOTICE OF TRUSTEE'S SALE 

YOU ARE IN DEFAULT UND"~A.6I;eo· ~~~R~~T DATED 0110412007. UNLESS YOU TAKE ACTION TO 

YOUR PROPERTY, IT MAY liE SCi~D.AT A."UBLIC SALE. IF YOU NEED AN EXPLANATION OF THE N

THE PROCEEDINGS AGAINS'r,YOU,:VOU ~HOUI.l) CONTACT A LAWYER. 

On 04/0712008 at 01:30'PM;:·CALWORNIA RECONVEYANCE COMPANY as the duly appointed Tr

and pursuant to Deed of Trust Recorded 01/10/2007, Book 20070110;l:>age 1818, Instrument. of officia

the Office of the Recorder of SA"CRAMI5I'!TD'CpunW" C~lIfornl., executed·by: LAURA RICHARDSON, AN U

WOMAN, as Trustor, WASHINGTON .MUTUAL. SANK" JI&' ,B .• neficiary, will sell at public aucUon sale to the hig

for cash, cashie(s check drawn by a state Dr national bank, a cashier's check drawn by a state Dr federal Cled

cashier's check drawn by a state or redars! savings and loan aBsociation, savings association, or savings bank 

section 5102 of the Financial Code and euthorized to do business in this stale. Sal. will be held by the du

trustae as shown below, of all right, t"le, and Interest conveyed to and now held by the trustee In the hereinafte

property under and pursuent to the Deed of Trust. The sale will be made, but without covenant or warranty. e

implied, regarding title, posseSSion, or encumbrances, to pay the remaining principal sum of tile note(s) sec

Deed of Trust, Interest thereon, estimated fees. charges an~ expenses of the Trustee for the total amount (a

the inmal publication of the Notice of Sale) reasonably estimated to be set forth below. The amount mey be gr

day of sale. 

Piece of Sale: AT THE MAIN ENTRANCE TO THE COUNTY COURTHOUSE, 720 9TH STREET, SACRAME

Legal Description: LOT 259 AS SHOWN ON THE OFFICIAL "PLAT OF SOUTH CURTIS OAKS SUBDIVISIO

FILED IN THE OFFICE OF THE COUNTY RECORDER OF SACRAMENTO COUNTY, FEBRUARY 10, 192

19 OF MAPS, MAP NO. 18 

Amount of unpaid balance and other oharges, $578,384.52 (estimated) 

Street address and other common designation of the real property: 3622 WEST CURTIS DRIVE 

SACRAMENTO, CA 95818 

APN Number: 013·0363-()OHlOOO 

The undersigned Trustee disclaims any liability for any incorrectness of the street address and oth

designalion, if any. shown herein. The property heretofore described Is being sold "as Is". 

DATE: 03-17-2008 

CALIFORNIA RECONVEYANCE COMPANY IS A DEBT 

COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY 

INFORMATION OBTAINED WILL BE USED FOR THAT PUR

EXHIBIT 13 

09-4

----------------- -------------

AMoKR RECORDING MAIL 1'0~ 

CITY OF SACRAMENTO 

DEPARTMENT OF UTILI'J'lES 

Business Seryic:elll Division 

CustMa.r serYiCB Center 

1395 35th Avenue 

SACRAMENTO, CA 95822 

Sacramento county Recorder 

Sat::ramento, California 

111111111111111111111111111111""""1111111 Sall'lIIeniO ColIII!y Recording Crall A Krllllto Clwk/hloNier lOOK' 200 feB08 PA.. 0404 Frh"~. JLIN u, aeB7 81851H.N 1'tl p" II... N'Dr""I4U1'14 

DllB/5811-18 

Date _-'0"'6-"/0"-"'-"0"-' ___ _ 

Subject: rror.lar 0J1' DE'LINQl'1BN!' Uf'l'LXn CllARGE'S 

In accordance with City of Sacramento Code Ch'apter 13 and Sacramento Regional Sanitation District Ordinance No. SRDS-3, please place a lien against the parcel and amount as indicated belo'w plus' additional accrual until date, of . payment: 

SEE ATTACHED 

This is a NO FEE document recorded for the b'enefit of the City of Sacramento, Depa:ttment of Utilities, Business Services Division, by Shelle SmallWood, Account Management Manager. 

STATE OF CALIFORNIA ) 

COUNTY or SACRAMENTO ) 

Customer Service Center 

On 06/07/07 before me, M"rit;t J~miV) .rt.\",C'~e~, Notary Public, personally appeared Shelle Smallwood, personally known to me (at! PU!8 8 I t !J e 110118 baeh sill' 

eati!!!l!liasl!6~) e'idel'!ee) to be the person (e) whose name {e) 

is/~ subscribed to the within instrument and acknowledged to 

me that M/she/~ executed the same in oh4e/her/~ authorhed capacity ('!i:oee), and that by fti.e./her/~ signature (e) on the instrument the person (e-) , Dr the entity 

upon behalf of which the person (e) acted, executed the instrument. 

WITNESS my hand and official seal. 

(SEAL) 

NOTARY NATURE 

IID-US-PJl (REVl2/0S) 
",f'-':,t:--;;:r. (l~n1IT5I:Y,,) mr~1' It ,~t "JUt 

~~"IP:({J~":'(}~~ : l' :~,:~" :, .~. Jr t I "'; ~ ,I r)! I,. :./ ,\.-•• n\l. 

~ ~ :;g ~ 

~~ ~i !~ ~U t" r :I!llll 

:I~ : : ~II ! ! 

:" Ii I r. I:! 11 i I; J ri 

I., I.~ I ~ I " :1 ;~: e ~I: ~ a ~ ~. ~:~ ~ ~a f~ l~1 " ~.1 

mj ·1 ~~ ~!.: I~: ~I: ! ~ I!g~ I ~ i ~i ill~~j I!~~i ~ h Hili ~ h ~ ~~ iei~~i Bihi . ~I f6EI i ~I . EI :!*~I! 2*~1! Ul 01'1 <II "; NY!: 0"'; 

t 

09-41
EXHIBIT 14 

09-4

*NO FEB DOCUMENT - ERRONEOUS ASSESSMENT'" 

PER GOVERNMENT' CODE 6103 

1111111111111111111111111111111111111111111111 

AFTER RECORDING MAIL TO: 

RED ROCK MORTGAGE INC 

Sacramento County Recorder 

Frederick B. Garci~ Clerk/Recorder 

BOOK 200806~0 PAGE 0621 

Friday, JUN 20, 2008 11:23:22 A" 

3600 AMERICAN RIVER DR 0135 

SACRAMENTO CA 95864 

Ttl Pd $0.08 Nbr-000544B980 

REB/51/1·1 

Escrow ft.: 

----------------------------~-----------. S?ACEABOVE THIS UNE RESERVEO FOR RECORD

TERMINATION OF LIEN OF DELINQUENT 

SACRAMENTO CITY UTILITY CHARGES 

I hereby certify that the lien of delinquent City of Sacram

Utility charges recorded on June OB, 2007, in Book 070608 Page 04

in the office of the County Recorder, is no longer in force 

ef fee t . ..",.~... (J311rr~1') m.l"T A II rill! 

Said notice was fi~¢'~i~~~~,~MB~~·~v:~~~'~~~~ as follows: 

t~ I.'~ '~'i :;,,~ .... 1 '.'~' i1~n ·1!) ,jj,1, t\'I.I"j~IJ{1 \111 

OWNER RJ:,~~~t,B;\"\:~.:~3:~'I~O:) 

PARCEL NO: OJ.3;::b!~~~::;;.;tyOl-0000 I>~"".,'.,..,~",.>~ 

ADDRESS 3 622-···W· .ClaTi!OS'llIlt'Y"'il;-;·71·.F;·;i,.-Y'l 

SAC~61jJ"'c:!k'';(I!I'5tI'A. ,r,< 

This document is recorded for the benefit Department of Utilities by S GENTRY, Cueto 

STATE OF CALIFORNIA COUNTY OF SACRAMENTO ss 

On this 16th day of June, 2008 before me VlmlnlaDeBella No

PubliC, personally appeared S GENTRY who proved to me on the b

of satisfactory evidence to be the person (tI) whose name (,,) is/

subscribed to the within instrument and acknowledged to me t

he/she/they executed the Bame in th±tt/her/~ authori

capacity(""",), and that by h±tt/her/~ signature(s) on 

instrument the person (tI), or the entity upon behalf of which 

person(s) acted, executed the instrument. 

I certify under PENALTY OF PERJURY under the laws of the State 

California that the foregoing paragraph is true and correct. 

Witness my hand and official seal. 

SEAL: 

CIR·ELlENAl$ (1212007) 

V'~~~~A.?~~i;LA ~ NOTAAvpuauc·CAlIFORNI. Gl

SACRAMENTO COUNrY O 

COMM, EXPIRES FEB. 19. I!011 ..t. 

EXHIBIT 15 

07/14/09 SECURED REDEMPTIONS DEFAULTED BILL SUMMARY 

THIS ACCOUNT IS NOT OPEN 

'ARCEL NBR: 013-0363-001-0000 

DEFAULT NBR: 08-07006744-00 TEETER: 

SITUS: 3622 W CURTIS DR 95818 

DEFAULT DT OWNER: 

CURRENT OWNER: RICHARDSON LAURA 

CARE OF NAME: 

TOTAL DUE BEFORE: 

ID YR/BILL ST 

01 07006744 32 

02 07236823 32 

03 07482740 32 

08/01/09 

DFLT 

TAXAMT 

2098.35 

1016.82 

4994.64 

ENTER NEW FUNCTION: ID: 

RD06 

9087.43 

DFLT 

PEN AMT 

209.84 

101.68 

499.46 

NEW PARCEL: 

NEW DEFAULT: 

Date: 7/14/2009 Time: 11:28:45 AM 

DFLT 

CST AMT 

10.00 

10.00 

10.00 

DEFAULT D

STA

STATE FE

REL OF E

LIEN SRCH

INTEREST 

INTEREST PAID: 

RDMP RD 

PEN AMT PN 

31.47 

15.25 

74.92 

N

N

09-412
Vt\.VI!. !K!btt 

TAX COLLECTOR 

2007-2008 SECURED SUPPLEMENTAL TAX BILL FOR FISCAL YR 07/01/07 TO 

PROPERTY LOCATION: 3622 W CURTIS DR 95818 

",RCEL NUMBER 

013-0363-001-0000 

BILL NBR 

07006744 

TAX RATE AREA ASSESSMENT#/YR 

03005 071000237 06 

ISSUE 

09/2

--------ASSESSED VALUES----------- -------DIRECT LEVY CODE/AM

LAND $208334 

IMPROVEMENTS $249099 

FIXTURES $0 

PERSONAL PROPERTY $0 

LESS EXEMPTIONS $0 

NET ASSESSED VALUE $457433 

RICHARDSON LAURA 

3622 W CURTIS DR 

SACRAMENTO CA 95818 

DIRECT LEVY TOTAL 

TOTAL TAX ON VALUES 

INSTALLMENT INFORMATION 

INST. DUE DATE 

1 12/10/07 

2 04/10/08 

INST. AMOUNT 

$1049.18 

$1049.17 

TOTAL TAX DUE 

PENALTY/COST 

$104.92 

$114.92 

DELINQU

MAKE CHECK PAYABLE TO SACRAMENTO COUNTY TAX COLLECTOR, 700 H STREET, 

SACRAMENTO CA 95814. PHONE (916)874-6622. WRITE PARCEL NUMBER ON YOUR 

~~CRAMENTO COUNTY 2007-2008 SECURED SUPPLEMENTAL TAX BILL 

rARCEL NUMBER 

013-0363-001-0000 

BILL NBR 

07006744 

CURRENT OWNER: RICHARDSON LAURA 

TAX RATE AREA 

03005 

TAX DUE BY 04/10/08 

PENALTY AND 10.00 COST IF NOT PAID BY 04/10/08 

DELINQUENT TAX AMOUNT 

$1049.17 

$114.92 

$1164.09 

IN

THE S

INSTA

CANNOT 

BEFO

1ST IN

07006744013036300100006 000104'17000116409

SACRAMENTO COUNTY 2007-2008 SECURED SUPPLEMENTAL TAX BILL 

PARCEL NUMBER 

013-0363-001-0000 

BILL NBR 

07006744 

CURRENT OWNER: RICHARDSON LAURA 

TAX RATE AREA 

03005 

TAX DUE BY 12/10/07 

PENALTY IF NOT PAID BY 12/10/07 

DELINQUENT TAX AMOUNT 

$1049.18 

$104.92 

$1154.10 

IN

TO PAY 

RETURN 

BY 

WITH P

$

07006744013036300100006 000104'18000115410

09-4
U.A.Vl!. l.Kl~.t1 

TAX COLLECTOR 

2007-2008 SECURED ANNUAL TAX BILL FOR FISCAL YR 07/01/07 TO 

PROPERTY LOCATION: 3622 W CURTIS DR 95818 

,RCEL NUMBER BILL NBR 

013-0363-001-0000 ~7236823 

TAX RATE AREA ASSESSMENT#/YR 

03005 070027773 07 

ISSUE 

09/2

--------ASSESSED VALUES----------- -------DIRECT LEVY CODE/AM

LAND $16999 0659 

IMPROVEMENTS $62120 0784 

FIXTURES $0 0595 

PERSONAL PROPERTY $0 0168 

LESS EXEMPTIONS $0 0197 

NET ASSESSED VALUE $79119 

RICHARDSON LAURA 

3622 W CURTIS DR 

SACRAMENTO CA 95818 

DIRECT LEVY TOTAL 

TOTAL TAX ON VALUES 

INSTALLMENT INFORMATION 

INST. DUE DATE 

1 12/10/07 

2 04/10/08 

INST. AMOUNT 

$508.41 

$508.41 

TOTAL TAX DUE 

PENALTY/COST 

$50.84 

$60.84 

DELINQU

MAKE CHECK PAYABLE TO SACRAMENTO COUNTY TAX COLLECTOR, 700 H STREET, 

SACRAMENTO CA 95814. PHONE (916)874-6622. WRITE PARCEL NUMBER ON YOUR 

~"CRAMENTO COUNTY 2007-2008 

!'ARCEL NUMBER 

013-0363-001-0000 

BILL NBR 

07236823 

SECURED ANNUAL 

TAX RATE AREA 

03005 

CURRENT OWNER: RICHARDSON LAURA 

TAX DUE BY 04/10/08 

PENALTY AND 10.00 COST IF NOT PAID BY 04/10/08 

DELINQUENT TAX AMOUNT 

TAX BILL 

$508.41 

$60.84 

$569.25 

IN

THE S

INSTA

CANNOT 

BEFO

1ST IN

07236823013036300100000 000050841000056925

SACRAMENTO COUNTY 2007-2008 

PARCEL NUMBER 

013-0363-001-0000 

BILL NBR 

07236823 

SECURED ANNUAL 

TAX RATE AREA 

03005 

CURRENT OWNER: RICHARDSON LAURA 

TAX DUE BY 12/10/07 

PENALTY IF NOT PAID BY 12/10/07 

DELINQUENT TAX AMOUNT 

TAX BILL 

$508.41 

$50.84 

$559.25 

IN

TO PAY 

RETURN 

BY 

WITH P

$

07236823013036300100000 00005084100005592

09-4
Ul\V~ 1.t(1~.t1 

TAX COLLECTOR 

2007-2008 SECURED SUPPLEMENTAL TAX BILL FOR FISCAL YR 07/01/07 TO 

PROPERTY LOCATION: 3622 W CURTIS DR 95818 

,RCEL NUMBER BILL NBR 

013-0363-001-0000 07482740 

TAX RATE AREA ASSESSMENT#/YR 

03005 071000236 07 

ISSUE 

11/2

--------ASSESSED VALUES----------- -------DIRECT LEVY CODE/AM

LAND $208001 

IMPROVEMENTS $247881 

FIXTURES $0 

PERSONAL PROPERTY $0 

LESS EXEMPTIONS $0 

NET ASSESSED VALUE $455882 

RICHARDSON LAURA 

3622 W CURTIS DR 

SACRAMENTO CA 95818 

DIRECT LEVY TOTAL 

TOTAL TAX ON VALUES 

INSTALLMENT INFORMATION 

INST. DUE DATE 

1 12/31/07 

2 04/30/08 

INST. AMOUNT 

$2497.32 

$2497.32 

TOTAL TAX DUE 

PENALTY/COST 

$249.73 

$259.73 

DELINQU

MAKE CHECK PAYABLE TO SACRAMENTO COUNTY TAX COLLECTOR, 700 H STREET, 

SACRAMENTO CA 95814. PHONE (916)874-6622. WRITE PARCEL NUMBER ON YOUR 

~~CRAMENTO COUNTY 2007-2008 SECURED SUPPLEMENTAL TAX BILL 

di.RCEL NUMBER 

013-0363-001-0000 

BILL NBR 

07482740 

CURRENT OWNER: RICHARDSON LAURA 

TAX RATE AREA 

03005 

TAX DUE BY 04/30/08 

PENALTY AND 10.00 COST IF NOT PAID BY 04/30/08 

DELINQUENT TAX AMOUNT 

$2497.32 

$259.73 

$2757.05 

IN

THE S

INSTA

CANNOT 

BEFO

1ST IN

07482740013036300100007 000249732000275705

SACRAMENTO COUNTY 2007-2008 SECURED SUPPLEMENTAL TAX BILL 

PARCEL NUMBER 

013-0363-001-0000 

BILL NBR 

07482740 

CURRENT OWNER: RICHARDSON LAURA 

TAX RATE AREA 

03005 . 

TAX DUE BY 12/31/07 

PENALTY IF NOT PAID BY 12/31/07 

DELINQUENT TAX AMOUNT 

$2497.32 

$249.73 

$2747.05 

IN

TO PAY 

RETURN 

BY 

WITH P

07482740013036300100007 000249732000274705
EXHIBIT 16 

DATE: 07/14/09 SECURED REDEMPTIONS COLLECTIONS SCREEN 

?ARCEL NBR: 013-0363-001-0000 

DEFAULT NBR: 08-07006744-00 TRA: 03005 

SITUS: 3622 W CURTIS DR 95818 

DEFAULT DT OWNER: 

CURRENT OWNER: RICHARDSON LAURA 

CARE OF NAME: 

CERT ISSUED TO: WASHINGTON MUTUAL 

ID DATE PD DT TIME ACTIVITY 

001 080731 07/08 080731 PAYOFF 

ENTER NEW FUNCTION: NEW PARCEL NBR: 

RDOl NEW DEFAULT NBR: 

Date: 7/14/2009 Time: 11:26:46 AM 

00 01 0057 

DEFAULT D

AUCTION D

ST

RDMP 

CURR Y

REEL FRAME 

N

EXHIBIT 17 

09-41

Update: Congresswoman denies foreclosure report I L.A. Land I Los Angeles Times 

LAT Home I PnntEdlllOn i AlISec~on5 

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t A -r,mo'lAfrJl'Vf'''; 

ft Photo of tho Oay I Main I The foreclosure 'blob' and why a bailout won't work» 

Update: congresswoman denies foreclosure report 

- - -- ---- I - " \i" : f J" \ I tl " 

" Ii ~ 

i \.. .;- " > 

enllre slatemenl is allhe boltom of this erticle) 

Update: California Rep laura Richardson 

todaydenisd a published report that her 

$535,000 Sacramento home had slipped into 

foreclosure, saying she Ilad renegotiated her 

loan to keep the home. 

The house" ... is not In foreclosure and has 

NOT been sei.z.ed bylhe bank." Richardson, 

B Democrat from long Beach,saldina 

~tetement."lhaveworkedWllhmylenderto 

complele a lORn modlficatiolland have 

renegolialedlholBrmsoflheagreementwilh no special provisions." (Ri~herdson's 

Etlrl1er. Capitol Weekly reported Ihal Ri~hardson walked away fmm the mortgage on her 

$535,OOOS(lcramentohome.letllnglhehou5e~lipintoforeclosllreand disrepair less than 

Iwoyoarsafiersheboughiliwilhnomoneydown. 

"While beingel(!vated 10 Congress In a 2007 special election, Rlchardson I1ppllrenllysloppe d 

making payments on her new Sacramento home, and eventuallywaiked away from II, leaving 

nearlyS600.000 in Ill1paid loans <lfld fees."lhe publlr.atiOfl reported 

Richardson declined 10 oommentforlhe Capitol Weekly story. Her offica issued a wnllen 

slatementWednesdayaflemoon. 

Capitol Weekly, clling lax rocords at Ihe Sacramellto COlmly assessol's office. reports " .. in 

J!lnuary2007. Richardson took ollta mongage forlhe enliresale price 0 flhehouse-

$535,000. The mortgege amount was eqtlal to the sale price oflhe home, meaninij she was 

ahletob\lythehousewithoutadovmpaymenl,ellonthoughthehOllSIngmarkelwaS 

beginfling to lurn. A March 19,2006noliceoftrustee'ssaleindicales Ihatlhe unpaid balance 

of Richardson's loan. Wllich is held by Washlnglon Mutual. is more than $576,000 ~ 540.000 

more Ihantheoriglnal mor1(lage." 

In addition 10 100% finallcing on the home itself, thll repon quotes lhll woman who Sold the 

house to Richardson as saymg stle also galle Richardson S15,OOO tow ardclosingoosls 

The weekly reports that Richardsofl's residence quickly became an eyesore, angering 

neigllbors.The reporlsays she reclised herself on lwokey House v oles 011 govammenl 

efforts 10 addresSlhe foreclosure crisis. 

Richardson's statement, 11Owaver, said she did not lecuse herself from those votes. alld was 

inslead IIbsenlfrom the House 

Clicll bclDwto read Ihe entire Richardsonslatement 

CONGRESSWOMAN LAURA RICHARDSON 

ForlmmeaiateRelease 

May 21,2008 

The story pubJ!shed in the Capilol Weekly regarding residential pro perty tllal I own in 

Sacramento r",qUlres clanficalion. 

V'lithlll a 12-month period last year (2007-2008), ! was a member of Long Beach Clly Council, 

th(l District Direclorfor California LI. Guv. Cruz 8uslamante, a mcmb!lr oftha C~Jjfornl~ Stare 

leoisiaiure, and. now a member of Congress. While the transitioninghas 'rnpactEld 1m) 

personally,theresiden!lalpmpertVmSacramsntoCaliiorni!lisnolinforecloslllfialldhas 

NOTbceliserzedbylllebilnk 

Jobs I Cars.com ! Real Estate i 

SEA

Get Faster Inte

Plus Cash Ba

-CASH BACKl:] FIND A HOME 

CITY, NEIGHUORHOOD, OR ZIP 

PROPERTY TYPE 

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V!-'UQ.""", vuugU':;::'::'WUUHl,l1 U~Ill~S loreclOsure report I L.A, Land I Los Angeles Times 

ReprlnIR(lqU/lst5 

\/IJork for Us 

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I hal/ll wOrked with my lender to complete eloan modification and haw renegotiated the 

tllrmsoftho agl13emeni--wilh no special pro",;slons, I fully intend 10 fulfill illl financial 

obligationsoflhlsproperty, 

On two housing bills that were ciled by the Capilol Weekly, the aliega tion is Ihat I I13cused 

myself from these VO!eS_ I did no!. I was absent from Washington, D,C., and my dulies in the 

House of RepreS'lllltatives due to the l.mtlmelydealh of my father 6nd hlssubsequenlfuneral 

inCalifoTllIll 

I understand that these homeawnershlp issues are a reflection of what many Americans are 

going throljghesIheyliglltto keep their homes erJdto remaillflr'lanclallyslable. 

POSi<:Hl by PeterVflcs on May ,11, 2(}OSln Foreclosure, Jlngte! Mall/ Permallok 

Bookmarki!; 32dlggG ~:gglr 

TraokBack 

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hUp:flwww.typepad.comIVlrackbacklB1696Sf29322186 

listed below are links to weblogs that reference Update!; Congresswoman deoles 

forec/osllroreport 

Comments 

Boy, I bet we \von't be hearing about his one in the MSM news. First, slle IS a democral, 

second,shelsa congresswoman,third,sheisblack.amlfollrth,becauseitwoliidreiterale 

lhe fact Illat some people are IDSing their homes because IMy,[Uslstop paying, and that it 

Iheirfaul!!Notthegovemments!!1 

I am so sick of hearing about the "mortgage ensls" when moslere people that just wanl a ball 

out,endolhersaretheoneswhogotcaughtupinthe"fllpthlshouse"craze, These people 

thought they could flip tlleir house and make some quick mOlle),. 'Nny should the (Jovemment 

bail them Otlt?I?!?! 

Posllldby;SusanIIMay21,2008o.t11:5(}AM 

It is absolulely disgustir'lg that lhis "representalive" 118S shaf led the banks and contributedtu 

the blighlofa nElighborhood,Hopefullyherpolilicaladversaries aretaklflgnote 

PnstedLJy:Wpstslder!Mily2t,20DBat11:50AM 

Stle is learning quick. 'Nnen you are in Congress, you dOll't pay for anytiling 

Posted by: Tax P~y('rs,p~ytllfl bUll May21,ZOOB at 11:51 AM 

We are going 10 find out that GWB pulled allttle equity out of the lNhite House wilt) a 

subprlme Teli from Countfy\",ide and will be walklQ away in Janlla!y. Just wait. U's coming. 

Posted by: GaljMay21,2000at11:82AM 

And to thin~ thaI a w .. ek Of so ago. there was a report slating thatil is Llrh"n lore illat people 

are walking away from their home loans, 

Posted by: ROllO I May 21, 2008 at11:53 AM 

Just the kind ofpersolla! responsibility and liscal prudence we needi nSacramenlol 

Po&tetlby: r.',argarolI May21,2000at 11:53AM 

What a scammer Politicians are all criminals al hear1 espedally Democrals 

Postetlily: rrcddy I Mlly 21,2006 at11;83AM 

No one wishes such a problem on enyone else and the lady hRS my sympethy" to e point 

BL,tthequeslionremainsashowhercansituanlscfmtrustlhelrrepresenllivtltou5llgood 

judgemen1 and cammon sense in representin~ them if she makes Such e bad call in her 

private life. Jl1s1 because you have a high inoome (relallvely speaking )asarongresswoman 

does not mean you don'! have to manage you nnoney and mak .. good choices. Do you 

SlJPpose she wishes she was slill renl'lng? 

P(>sted by; JLF I May 21, 2008 at 11:~3 AM 

shesllou!db"llewiyunelocted 

http://latimesblo gS. Iatimes.com/laland/2008/0 5/renort -G" Ii fOTn him 1 

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09-4
Update: Congresswoman denies foreclosure report I L.A. Land I Los Angeles Times 

Yourfine,llpslanciillgcitizen legislatorusad this transaction 10 steal S15,OOOlromthescller 

Butlt'sOK 

She's nota Republican 

Poaledlly;WindfnIlIMay21,21l0Satl1:59AM 

Ifee[lsp~a\(foralilolallyignorantpeoplewhenIGayl am shocked thata congresSperson 

could do something unethical! 

Post~t1 til': Chris I May 21, 21l0Sat 11;59 AM 

Well on \tre one hand. II was kind of he rIo recuse herseUfrom housing rei aledvotes. 

But I guessUlenexlqueslion is did she buy another property (unless she's in an apartmenl 

now),beforeleltingtheoneinSacramenloforeclose? 

Couldlhi~begroundsforsomekindorfraudcase? 

Posted by: Tmul:>s\one Rcalt)' I May 21, 2008 at 11 :59 AM 

She's a deadbeal shesl10111d he removed from her seat ill congress. "atypical 

Democr<lL.thinksil'sbeneathhertopayhcrbills ... stickitto50me other poor shltlb ... 

Poslod by: Joe ! May2.1,2001lIltI2:01 PM 

A corrupt demonc.at? Nooooo. I don't believe you for a second Ooops, back to reality now, 

sorry I was yaw!1lng. A corrupt idiot democrat trying to get into some heavy graft before she 

wasestElbllShed inWasllington. Unfortunately. all of the people that voted for her probably 

encourage this behavior (look at any other indicled dems and conti nued support by the 

electorate). 

Posted by; corruptIon I May 21, 200$ at 12:03 PM 

Wny <1m I not !Sulprised thai she is a democrat? 

P05t(\dby:Oon~ldIMay21,200Ilat12:05PM 

WfN/,there'ssomefiscal responsibililyloryou. She obviously is ad emocra! 

PoS!~dby;RonIMay21,100Ilat12:10PM 

Gee, mosl people wall nil they get 10 congress before becomillg worthless. 

Poo\ndhy;D<lllnoIMay21,200IlatI2:11 PM 

Don'l surprise me nonB. most dems in congress are comlpt as .. their destiny. 

l'ostoduy:F.M(lglinIMay21,20!lllat12:12PM 

TYPical Demol::Je\. Dc es I s<lY. not as I do. But somehow - no doubt· it is all GWil's faul!. 

Post'Wl)y:TlllllnyJ!May21,200Ilat12:14PM 

Hmmmm.,. no menlion of her party affiliation. It must meall she's a democrat. They never 

forllelto put tile ""R'" In frontofa republican when they screw up. 

Po~t~d by, Typical I May 21,2008 at12:15 PM 

The gov'l is Ihe cause for thIs hOllsing mess, when they forced lender stoacceptpeoplewith 

out allY credit. Thewolvcsare guardlrlg the hen house and in Ihis case one oflhcm is taking 

a 600000 ride. Sileshouid be kicked out. 

P"Rtmi by: SRW I May21, 2{108 at 12:1& PM 

She is a typicat political hacll.and does nol dcserve to have a seat In Con gress.Wehl;lve 

enough probloms willlOUI Ilavirlg deadbeats ElS as our lawmBkers. WheUa travesty! 

Pos!edby.DJvoXenati~IMay21,200IlaI12:16PM 

Vlthy btamo her? A $535,000 heusowith NO DOWN PAYMENT. and then no payments for 

• _,_ ... :. ____ _____ /1_1 ___ ..1I"r"lr"lO/r"l~/ _____ -'- __ t:c __ t... ... ~1 

09-
Update: Congresswoman denies foreclosure report I L.A. Land I Los Angeles Times 

fl.1ow011 lATimt:s.coHl 

two years ... what II deal! As soon liS Obama gels elected he and Ute Democratic canlrolled 

Congress wlli enact legislation to see 10 it that us working stiffs will ball her, and those like 

her, out Free homes f(lr all of those on the dole, or If! COrlgress. New social prugrams forthe 

oppressed In this nalion A windfall lax on the oil companies. and who do you SUPPIlSS will 

pay for that lax???? Could It be Ihose of us buying gas 10 get to wort??? I h ave heard that 

Pelosi arJd company is seeking a windflilllBK on OUR retirement program prollls, that will 

help EQUALIZE incomes and improve the sl8ndard of living for illegal immigrants and other 

lessfor1l1naleminoritles? 

OH YES ... CHANGE IS COMING! POCKET CHANGE FOR THOSE THAT WORK AND PAY 

THE BllLSI THE TIME FOR ANOTHER TEA PARTY IS UPON US!! 

PO$Mfby:ro::kIMay21.2006~tI2:19PM 

How did she coma 10 OWE 40,000 dollars more than the original loan? Either way, sounds like 

she made Ihe right move. Always a plus whan wa got a representative with good economic 

since. 

Posted by: DaVid Reynolds I May 21, ~oOaat 12:23 PM 

This is why OUf country is going to lum into a cesspool. THESE are our elacted leaders 

behallinglhisway? 

I am sure some dimwhil nut ball \1Ii1l try to "excuse" her behavior or blame it on someone elso 

SHe IS a crook. PERIOD. 

Posledlly: WilNC USA I May 21, 2008 a112:24 PM 

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0
U;>date: Congresswoman denies foreclosure repOlt I L.A. Land I Los Angeles Times 

EXHIBIT 18 

Calif. congresswoman says home sale was improper http://www.breithart.com/print.php?id=D90RQ

lof2 

BREfTBART@COM 

Calif. congresswoman says home sale was ApAssocIaIedf'msS 

improper 

May 2412:53 AM US/Eastern 

By ERICA WERNER 

Associated Press Writer 

WASHINGTON (AP) - California Rep. Laura Richardson clairmd Friday that her 

Sacrarmnto harm was sold into foreclosure without her knowledge and contrary to an 

agreermnt with her lender. 

She said she is like any other Armrican suffering In the mortgage crisis and wants to 

testify to Congress about her experience as lawmakers craft a foreclosure-prevention 

bill. 

In a lengthy intelView Friday night with The Associated Press, the Southern California 

Deroocrat struck back against several days of negative publicity over reports she 

defaulted on her mortgage, allowing the house to be sold at auction. 

Richardson, who won her seat in a special election last August, acknowledged turmoil in 

her life in the months after incumbent Rep. Juanita Miliender-McDonald's death in April 

opened up her Los Angeles- area House seat. 

Richardson used her money to finance her campaign and fell behind in mortgage 

payments. But now, Richardson said, she has renegotiated her loan and promised to 

fully pay it off, along with $9,000 in delinquent property taxes. 

She insisted she's not getting special terms because she's a congresswoman. 

"I'm Laura Richardson. I'm an American, I'm a single woman who had four employment 

changes in less than four months," Richardson said. "I had to figure out just like every 

other American how I could restructure the obligations that I had with the income I had." 

Richardson bought the 1 ,600-square-foot home in Sacramento's desirable Curtis Park 

neighborhood for $535,500 in January 2007. It was sold at auction earlier this month to 

a Sacramento mortgage lender who paid $388,000, according to the Sacramento County 

Recorder's Office. 

A default notice sent to Richardson in March put her unpaid balance at $578,384. 

Richardson provided the AP with an April letter, which appears to be from Washington 

Mutual Home Loans, telling her there was a hold on foreclosure sales on her property 

until June 4. She also provided an e-mail dated Thursday, which she said was from 

Washington Mutual, that appeared to acknowledge an agreement "to facilitate the 

recission of foreclosure sale" but gave no financial details. 

A Washington Mutual spokeswoman, Sara Gaugl, told the AP earlier Friday that the 

company had "not received consent from Ms. Richardson that would allow us to discuss 

her loan situation." Washington Mutual did not respond to a later request for comment on 

Richardson's claims. 

Not long after getting to Congress, Richardson voted in favor of a mortgage debt 

forgiveness bill which subsequently becarm law. She was absent earlier this month for 

votes on a foreclosure prevention bill, which she said was because of her father's 
Cali f. congresswoman says home sale was improper http://www ,breitbarLcomlprint.php?id=D90RQ

20f2 

funeral. The House Is expected to bring the package back up in June once agreement is 

reached in the Senate. 

Congressional ethics rules don't prevent lawmakers from voting on legislation that might 

affect them economically. Rather than shy away from voting on mortgage-related bills, 

Richardson said her experiences could help her craft legislation to make sure others 

don't experience what she did. For example, she sees a need to add steps to inform 

property owners before their property can be sold. 

'We have to ensure that lenders and lendees have the tools with proper timing to 

resolve this," she said. 

Copyright 2008 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or 

redistributed. 

09
EXHIBIT 19 

09-41

· Recording reqllested by Bnd when recorded mail to: 

Carl p, Blaine, Esq. 

Wagner Kirkman Blaine Klomparens &. Youmans, LLP 

10640 Mather Blvd .• Suite 200 

Mather. CA 95655 

IIIIIIIIIIIIIUIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII 

Sicra1ltllto Coun~y Recorder 

Frederick B. Garcl'.l Clerk/Recorder BOOK 20080613 PAGE 1219 Cheok Nu .. b.r DI44 

Frldov. JUN n. alee 211811511 PII UI Pd en... Nbr-lleB438BIB 

AnH/6811-4 

NOTICE OF PENDENCY OF ACTION 

(Code Civ. Proc. § 405.20) 

{09000.COl:" 0037265 I.DOC.I ) 
!~ I, h ~!l II 

iii II 

II I, 

! 

126 

A~ for Pl .... ill" 

1 Reo ROCX MORTlJACe, INC. 

• 

• 

" " " " " " " " " " " 

" " " '" " " " " 

SUPJlJUOIt COURT Of CAUFORN1A 

COUNTY Of'SACIlAMENTO 

IU!:D ROCK MORTOA08, INC., 

PllinlifT. 

•. 

WASHINGTON MI1IlJAL BAllI{, 

CAlJl'ORNlA RECONVEY "NCB COMI'ANY. 

LAURA R.lCHARDSON, lftd &II prnDIII 

UIiknDwn, claimi"l any !cpl or equilibL. riJltl, 

title, 1III1Ie, li«I, or 1_1II1hc propen~ 

cIaoctIbc:d in Ihc~m III ....... ", Pl .. nIi/f'. 

lille, or ..,.,. doIId 011 !'I.urnlr. tillc, lind DOllS L 

1I\roooitI2O, induai .... 

""""""'. 

CUooNo. 3"'t.z0r:8-0CD."'::a0§'l 

Natla OFPKNUKNCY Ofl 

ACTION 

(Code Clw. PrK.140UOj 

NariCEIS (lIVEN \hal dill ""'" •• "P"icwod..uo.. _001II-.0001 on.lune 11. 2lIOII, 

in 1M obo¥o-cf:pIiOllcd _ by R.ED ROCK MOItTOAOa. INC. (" Red R,ocI;") .pinII 

d.fondanul W ASHINOTON MUTtJAL HANK, CALIl'ORN1A IlECONVEY"NCi! 

COMPANY. lind I.AURA IUCHARDSON; tbudlooo I ....... pent"" in !he .... CIIIIfL 

",. ~ MIl;"" 01 •• rcooI property .,..... tIf~ -'lin real prop.;1y 

thol i. tilllllCld in ~ County. California, _Iy knDw1I.,l612 Weill C\wtI. Or" 

s..:n.r,."to, Califoml. lind IMf1I opacificolty d.ui!Hld .. 10110": 

LOT 259 AS SHowt<I ON THIIOP'FICIAl. - PLATOI' SOl/1li CURTIS 
t1i~ 

j§ 

~~ 

~~ H ~~ d t:i~ !I :~ 'i ze= i~ ~~ ~l 

OAKS SUBDIVISION NO.6". FILED IN THE OFFICE OF THE COUNTY 

RECORDER OF SACRAMENTO COUNTY. FEBRUARY 10, 1927 IN 

BOOK 19 OF MAPS. MAP NO. 18. 

4 The Property is designated a. A ••••• or·s Parcel No. 013-0363-00\-0000 in the 

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IS 

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2S 

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Sacramento County Asse.sor's office. 

DATED: June 11. 2008 

090DO.COE I OOJ12380.DOC.1 

WAGNER KIRKMAN BLAINE 

KLOMPARENS & YOUMANS LLP 

BY:2~ OMASB.SHERlDAN 

Attorneys for 

RED ROCK MORTGAGE, INC. 

NOTICE OF PENDENCY OF ACTION 
2 

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9 

to 

11 

Ii 12 \i5:J 61 i:i~ Ji 13 

z~~ :'1 gS' 14 ~""t' !~ 

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PROOF OF SERVICE 

Case Name: Red Rock Morlgage v. Wa.hinglon MUlual el 01. Court: Sacramento Superior Court 

Case No.: TBD 

I am a citizen of the United States, employed in the City of Mather and County of Sacra

My business address is 10640 Mather Blvd., Suite 200, Mather, CA 95655. r am over t

of 18 years and not a party to the above-entitled action. . . ; 

On lune 12, 2008, rserved the following: 

NOTICE OF PENDENCY OF ACTION 

181 BY CERTIFIED MAIL, RETURN RECEIPT REQUESTED on the parties 

action by causing a true copy thereof to be placed in a sealed envelope with postage 

fully prepaid in the designated qrea for outgoing mail. r am familiar with the ordinary b

practices of Wagner Kirkman Blaine Klomparens & Youmans LLP for collecti

processing of outgoing mail with the United States Postal Service at the aforementione

of business WId that the above-entitled document was placed in a sealed envelo

deposited for collection and mailing on the dote stated above, following such o

practices and in such manner as to cause it to be deposited with the United State

Service that same day in the ordinary course of business, addressed as indicated below. 

Washington Mutual Bank 

A Federal Association 

9200 Oakdale Ave. NII0710J 

Chatsworth, CA 913 31 

California Reconveyance Company 

C/O Corporation Service Company 

2730 Gateway Oaks Dr., Ste. 100 

Sacramento,CA 95833 

COIIcreSSWOlllan Laura R;c/,ards

970 West 1901h Street 

East Tower, Ste. 900 

TorrWlce, CA 90502 

Executed on this June 12, 2008, at Mather, California. 

I declare under penalty of perjury under the laws ofthe state of California that the fore

true and correct. 

CHERYLE C1Ql~~~ G 

09000.CGli /00372380.DOC.1 

NOTICE OF PENDENCY OF ACTION 

09-41
~~ II .a It 'a 1 " :;i '\ 

~~ I, 

I, 

I 

129 

A~ lOr PJainbff 

Rl.!D 

S\lperior Cclwrt Of C11l1toml •. 

SnUDm .. nln 

Dttr\lrI • ..Ion .... E1I...,.,!lv .. 

""'~, 

Pli/talZlIDl 

~[ar ....... lt;h 

ey ,Doputy 

Co ... HUlnbw: 

,w.2W1-IIU1I1lul1--CU-OA-GDS 

1 REO ROCK MOR-TGAGS, INC. 

• 

• 

" II 

" " 

.. 

" 16 

" " " " " 

" " " " " " " 

SUPERIOR OOURT OF CAUPOKl'lIA 

COUNTY OF SACRAMENTO .~:-: ""-- u.-__ M 

REDROCk MORTGAOe. INC., 

Plo.inlJIT, 

WASHINGTON MllTU .... l. BANK, 

CAl.ll'ORNlA R£CQNVHY ANCE C()t.!PANY, 

l.J..URA RICHARDSON, and.lI penon. 

lIokno*n, cl"m;n, any lepl or OI/II'IJbI .. nghl, 

,ilk:, etUle, h .... or 101_1!n the propcny 

deKllbcd In the complaint IIdverw \0 p!.I!II,rr. 

htlco, or UlYcJoud 011 Plaintdr,lLtle., II'1II OOES I 

\hroutII2'O. 1Iw;11IIi~. 

Ddendllltlo 

--. 

COMPLAINT FOR: 

I. SI..ANDERO'Tm..£ 

1. CANCELLAnON 

l . OIllErTl1U! 

4. UNJUST ENRlClIMKNT 

PlllintifT, Rim ROCK MORTGAOE, INC.llkp u follow.: 

I. Plw,hffRllD ROCK MORTOAG!'.I'NC. ('1'I .. rII'ff");., .. 1II 81.11 III!IR bctetn 

nM!Ilhonad wu,. I'lOrpondioll orpniud IlIId ullting Wlderthe I.~ortl\ll SII ~o rCIJ;IOrn; . 

l. plaintiff II Informal .-..:I beliew:a IN! IllM!on .n.... Lbrot Deraldam 

WASHINGTON MUTUAL BANK ("WAMlf') is, ond" 1.11 bmct Iw:fcin mentioned WlI,' 

fedenll lilO(:!I!"'" orpnl~ed and nillms ullikr tile I,,,,, of the United SI!tlll and dOing 

b ... iMlI In lhe ItaI" grC,rifomla. 

3. PIaiOOff ~ illformed IDd bell_ ond ''''''-I aIleFl that ncfOlldaAI 

Ti l OOlIHNM DOC I J 
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s" 

~e 

~j 

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CALIFORNIA RECONVEYANCE COMPANY ("CRC") is, aud at all tIm

mentIOned was, a corporation organtzed and eXIsting under the laws of the State of C

4 The real property that is the subject of this action, 3622 West Cu

Sacramento, California, Assessor's Parcel No. 0\3-0363-001-0000 ("Subject Pr

located in Sacramento County, California. 

5. The Defendants named herein as "al1 persons unknown, claimmg a

equitable right, title, estate, lien, or interest in the property described in the Compla

to plaintiff's title, or any cloud on plaintiff's title thereto" ("Unlmown Defen

unlmown to Plaintiff. These Unlmown Defendants, and each of them, claim some 

estate, lien, or interest adverse to PlainlIff's interest in title to the Subject Property

claims, and each of them, constitute a cloud on Plaintiff's title to the Subject Proper

6. Defendants DOES I through 20, inclusive, are sued herein unde

names. Their true names and capacities are unlmown to Plaintiff. When their true 

capacities are ascertained, Plaintiff will amend this complaint by inserting their true 

capacities herein. Plaintiff is informed and believes and thereon alleges that 

inclusive, are responsible in some manner for the occurrences herein alleged

Plaintiff's damages as herein alleged were proximately caused by such Defendants. 

further mformed and believes and tllereon alleges that Does 11·20, inclusive, claim 

title, estate, hen, or interest adverse to Plainhff's interest in htle to the Subject Pr

theil' claims, and each of them, constitute a cloud on Plaintiff's title to the Subject P

COMMON ALLEGATIONS 

7. Plaintiff realleges and incorporates by reference each and every all

23 forth in paragraphs I through 6 above. 

24 8. PI ainlIff is infonned aud believes and thereon alleges that on 

25 January 10,2007, a Deed of Trost ("Deed of Trust") was recorded againstthe Subje

26 to secure a loan in the amount $535,001.00 made by WAMU to LAURA RICH

27 CRe is the trustee under thc Deed ofTrus!. (Attached hereto as Exhibit A, incorpor

28 by reference, is a hlle and correct copy of the Deed of Trust.) 09-41

{09000TSI00371904 DOC 1 2 

. COMPLAINT FOR SLANDER OF TiTLE; CANCELLATION, QUIET TITLE, UNJUST ENRIC
2 9. Plaintiff IS mformed and believes and thereon alleges that, at some p

December 17,2007, Defendant RICHARDSON defaulted on the payments due 

4 secured by the Deed of Trust. 

10. On December 17, 2007, CRe recorded a Notice of Default on 

6 Property. (Attached hereto as Exhibit B, and IDcorporated herein by this reference, i

7 correct copy of the Notice of Default.) The Notice of Default provides that, as o

8 13,2007, the amount of the default was $18,356.40. 

9 1 I. On March 19, 2008, CRC recorded a Notice of Trustee's sale on 

10 Property, advertising the Trustee's Sale of the Subject Property to the gene

II (Attached hereto as Exhibit C, and IDcorporated herein by Ihis reference, is a true 

12 copy of the Notice of Trustee's Sale.) Pursuant to the Notice of Trustee's Sale, 

13 balance and other charges was approximately $578,384.52. 

17 

12. The Notice of Trustee's Sale provides that the sale was to occur o

2008, at I :30 p.m., at the main entrance to the Sacramento County Courthouse, 720 

Sacramento, California. 

13. Plaintiff is informed and believes and thereon alleges that the 

18 postponed to May 7, 2008, at I :30 p.m., to be held at the same location. 

19 14. In accordance WIth the Notice of Trustee's Sale and the dul

20 postponement thereof, on May 7, 2008, Plaintiff appeared at the trustee's sale to 

21 Subject Property. Plaintiff secured a cashier's check in order to qualify to bid at the 

22 15. At the noUced lime and place, CRC conducted the trustee's sale of th

23 Property. Plaintiff is informed and believes thereon alleges that Defendants complie

24 statutory requirements in conducting the trustee's sale of the Subject Prop CIty. 

25 16. Plamtiff bid at the trustee's sale. Plaintiff is informed and believes an

26 alleges that Plaintiff was the high bidder at thc trustee's sale With a bid of $388,000.0

27 17. Plaintiff limely delivered a cashier's check in Ihe amount of $388,

28 CRe. CRe accepted the cashier's check from Plaintiff. (Attached hereto as Exhib

0900DTS/OO311904DOC I 3 

COMPLAINT FOR SLANDER OF TITLE; CANCiJh.Lc;L'7A"'T;;'O;;:N"'; "QU"';;E=T:-::T"'IT;:;L""'E'"', u"'N"'m=S:::T""EN"R"";;,C

09-4126_000081 
respectively, and Incorporated herem by reference, are true and COITect copies ofth

2 funds ISSUed to Plaintiff and Plaintiff's caslner's check stub.) 

3 18. Plaintiff IS mformed and believes and thereon alleges that the sale of 

4 Property was final and no further acts were reqUired to consummate the sale. 

S 19. Platntiff is infonned and beheves and thereon alleges that, on or ab

6 2008, Defendants issued a Trustee's Deed Upon Sale, to be recorded in Sacrame

7 granting and conveying Me and interest in the Subject Property to the Platntiff. Th

8 Deed Upon Sale was recorded on May 19, 2008. (Attached hereto as Exlr

9 incoIporated herein by reference, is a true and correct copy of the Trustee's Deed up

10 20. Immediately after Plaintiff purchased the SUbject Property

11 immediately began improving the property and preparing to sell it, as Plainti

12 business of buying and selbng real estate. Among other things, Plaintiff pai

portions of the residence, refurbished the flooring inside the residence, and perfurm

14 clean-up and landscaping in and around the Subject Property at its expense. 

informed and believes and thereon alleges that the improvements made by Plaintif

16 the value ofthe Subject Property. 

17 21. On or about May 28, 2008, W AMU contacted Plainltff and infonne

18 that it wished to rescind the sale. Plaintiff informed W AMU that Plaintiff was t

19 bidder at the Trustee's Sale and that it had paid the full consideration in the manne

20 by the Notice of Trustee's Sale. Plamtiff also infonned W AMU that Plaintiff had b

21 the Trustee's Deed, Rnd recorded it, and had no intention of rescinding. 

22 22. On or about June 2, 2008, Defendants recorded a Notice of Resciss

23 Sacramento County Recorder's Office. (Attached hereto as Exlribit G, and incoIpora

24 by this reference, is a true and correct copy of the recorded Notice of Rescission.) 

25 FIRST CAUSE OF ACTION 

26 [Slander of Title) 

27 (Against Defendants W AMU, CRC and Does 1-10, inclusive) 

28 23. Plaintiff realleges and inCOIporates by reference each and every alle

{09000 TS/OO}71904 DOC I) . . 4 

COMPLAINT FOR SLANDER OF TITLE, CAN"CE"'LC>L";A:;;T;;;IO"N",-;:Q;;CU;;;IE;;;;T'"'T;;'IT;;;LC>E'-,-;;UN=IUC;OS;;;TO;E~NR
forth in paragraphs I through 22 above. 

2 24. On our about May 7, 2008, Plamtlff became the fee owner of t

3 Property based upon Its purchase of the Subject Property at the Trustee's Sale. 

4 25. Plaintiff IS infonned and believes and thcreon alleges that, on or abo

5 2008, Defendants willfully, wrongfully, without Jusllfication, and without plivilege 

6 be recorded a Notice of Rescission. 

7 26. The Notice of RescisSIOn was false and continues to cause doubt to 

8 Plaintiff's title to the Subject Property. 

9 27. The recording of the Notice of Rescission directly impairs the vendib

10 property on the open market. Accordmgly, Plaintiff has been d8!11aged by D

II recording of the Notice of ReSCission. 

28. Plaintiff is infonned and believes and thereon alleges that, in doing 

herein alleged, W AMU and CRC acted with malice, oppression, andlor fraud as def

Civ. Code § 3294(c), in conscious disregard of Plaintiffs rights, thereby war

assessment of puniti ve demages in an amount appropnate to pnnish Defendants 

16 others from engaging in similar misconduct. 

17 29. The recording of the Notice of Rescission made it necessary for 

18 retain attorneys and to bring this action. Therefore, Plaintiff is entitled to recover 

19 fees and costs incurred. The exact amount of such damages is not known to Plai

20 time, and Plaintiff will move to amend this complaint to state such amount whe

21 becomes known, or on proof thereof. 

22 SECOND CAUSE OF ACTION 

23 [Cancellation of Cloud on Title] 

24 (Against Defendants W AMU, CRC and Does 1-10, inclusive) 

25 30. Plaintiff realleges and incorporates by reference each and every all

26 forth in paragrap\ls I through 29 above. 

27 31. Defendants claim an interest in the Subject Property which is adv

28 Plaintiff. Defendants' mterest in the Subject Property is purportedly based on th

(O9()OO 18/00371904 DOC I 5 

COMPLAINT FOR SLANDER OF TITLE, CANCELLATION, QUIET TITLE, UNJUST ENRIC
~! ~~ 

i'" 

g~ 

~I le 

"" 

i~ 

Rescission, recorded on June 2, 2008, which states that the sale is rescmded. 

2 32. The Notice of Rescission IS Invalid and void because the Defend

3 further nghts to the Subject Property after the Trustee Sale was completed and th

4 Deed Upon Sale was issued and recorded. 

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16 

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33. Defendants' claim to the Subject Property clouds the PlaintJff's lJtle, 

the property's market value, aud prevents Plaintiff from enjoying the use of 

Property. 

THIRD CAUSE OF ACTION 

[Quiet Title] 

(Against Defendants W AMU, LAURA RICHARDSON, UNKNOWN DEFE

and DOES 11-20, inclusive) 

34. Plaintiff realleges and incorporates by reference each and every all

forth in paragraphs I through 33 above. 

35. Plaintiff is the sole owner ofthe fee simple !tile to the Subject Propert

36. The basis of Plaintiff's title is that Plaintiff was the Iugh bidder at th

Sale of the Subject Property; Plaintiff tendered the full amount of its bid to the t

trustee accepted Plaintiff's tender; and, the trustee issued a Trustee's Deed Upo

Plaintiff, which was subsequently recorded, granting Plaintiff fee simple title to t

Property. 09-4

37. Plaintiff is seeking to quiet title against the claims of WAMU

RICHARDSON, UNKNOWN DEFENDANTS, and DOES 11-20, inclusive, as 

Notice of Rescission was recorded in Sacramento County California, Book 20080

0885, by CRC and W AMU purportedly rescindmg the Trustee's Deed Upon Sale 

Plaintiff Wllich would have the affect of restoring the state of IIlle 10 the Subject P

the status quo prior 10 the recordation of the Trustee's Deed Upon Sale; the claims 

Unknown Defendants and Does 11-20, inclusive, whether or not the claim or cloud 

to Plaintiff. The claims ofDefendanls are witbout any right whatsoever and such D

have no right, title, estate, lien, or IOterest whatever in the Subject Property or any par

09000 TS 100371!lO4 DOC I 6 

COMPLAINT FOR SLANDER OF TITLE, CANCELLATION; QUIET TITLE; UNJUST ENRICH
r.:J~ ~I ~i h ~J gi 

--if h 

i~ 

::l • a,. 

~! Ie 

.~ 

~ 

38. Plaintiff seeks to quiet t.tle to the Subject Property as of May 7, 200

2 the date PlainUffpurchased the Subject Property at the Trustee's Sale. 

3 FOURTH CAUSE OF ACTION 

4 'Unjust Enrichment! 

5 (Against Defendants WAMU, LAURA RICHARDSON, and DOES 1-10, m

6 39. Plaintiff reaUeges and incorporates by reference each and every all

7 forth in paragraphs I through 38 above. 

8 

9 

IO 

11 

12 

13 

14 

15 

16 

17 

18 

19 

20 

21 

22 

23 

24 

25 

26 

27 

28 

40. Plaintiff has completed numerous improvements to the Subject Prop

have significantly increased its value. If Defendants are permitted to rescind th

Deed Upon Sale, Defendants will be wijustly enriched by their retention of the incr

of tile Subject Property. 

Wherefore. Plaintiff prays judgment agamst Defendants as fullow: 

I. For general damages, in an amount to be proven at trial; 

2. For punitive and exemplary danlages in an amount to be proven at tri

3. For the Notice of Rescission to he delivered to the clerk for th

cancellation and that it be declared void; 

4. For a judgment that Plaintiff IS the owner in fee simple of the Subje

and that Defendants llave no interest in the Subject Property 

Plaintiffs; 

5. For restitution; 

6. For attorneys' fees and costs incurred herein; and 

7. For such other aud further relief as the court may deem proper. 

DATED: 4/tt/"2=001 WAGNER KIRKMAN BLAINE 

=~ . THOMASRHERIDAN 

Attorneys for RED ROCK MORT

INC. 

0900018 I 00371904 DOC I 7 

COMPLAINT FOR SLANDER OF TITLE, CANCELLATION, QUIET TITLE, UNRJST ENRIC
EXHIBIT A 
·,:".: .\. I t l !;f~.·' ... 1 

R.cordill~ Requesled Of: 

Washlngton Mutual Bank 1111111111111111111111111111111111111111111111111 

Relurn To: 

2210 Enterprlse Drwe 

Doc Ops . HS SC00140 

F1 orence. SC 29501 

Sacraaento County Recording Crala R Kralltr I ClerklRecorder 

BOOI(" 20070110 PAGE 1818 Ch,ck HuMb.r 428B 

Nadnosday. JAN 111. 2111117 2.B9:33 PIt TU Pd ,B3,00 Nbr-00e4&94371 

REB/51/1-19 

Prepared By: 

----------18'NlLOAlml'c1'JII"I.IJ1I! trnrMecllnUJlg.htllll---------

DEED OF TRUST 

DEFINITIONS 

Words used in lIlultiple sections of' dlis document .re defmed below Hnd od,er words .r. defined 

SectIOns 3. 1]. 13, 18. 20 und 21. CcrtHin rulcs regarding the uNRge of word$ used lit Uds docunumt D

uh;;o proVided III S~ction 16. 

(A) "Securily Instrumenl" m •• os d,i, doculnem, which i. da/edJanuary 4, 2007 

togcdu:r wid. 311 Ridl'rs to tbiN docullltmt. 

(8) "Borrower" i. Laura Richardson. An Unmarrled Woman 

Borrowe,'. addre.s is 717 E Vernon St. Long Beach. CA 90806 . 8orrowtr i$ (he trustor under tlm~ Securll)' lnsltuUlun

(e) "Lender" i~ Washlngton Mutual Bank 

Lender i •• federal assoclation 

orgamzed and e.i~ling ullder dlo ,.ws of' the Um ted States 

072994243

CAltFORNIA~SlnoI8 FamllV-Fannle MllblProddle Mac UNIFORM INSTRUMeNT form 3006 110

«IlIa -6(CA'I0201t 0' "IIVe I ~f.'Ii 

Imlllllll~ 11111111111111
Lend.r·~oddte ... l.l400 South Douglass Road. Suite 100. Anaheim. CA 92806 

Lender b the ~neticulry under dus Security Inscrumenl. 

(D) "Tru.tee"i~ Cali form a ReConveyance Company, a California corporation 

(Il) "NDto" tIl.un8th. promls""ry nOI. sign,d by Borrower Bnd daled January 4. 2007 

Th. Not. SIUI,s"'ut BOn'Uwer owe~ LcnderFive Hundred Thirty Five Thousand One and No/lOO Doll

(u.s. $535.001. 00 ) pfu. intere.l. Borrower has promioed 10 pay dli. debllll regufor Perio

PaymelllS 00<1 to pay the debl in lull nDt fater dIan February 1. 2037 • 

(F') "Property" lIIean.' dl' property dla, i. described below under dl' h.ading "Transfer of Rlshts in 

Property." 

(0) uLoan" Il1CHII8 du: dt:bt evidenced by dIe Note. plus inlerest. ouy preptlynumt elunger:. Bnd lutel:hHr

due ullder the Nme, and all ~UlIlS due under dU5 Stcurhy IlistrumcJIl. plus interel't. 

(In "Rfders" In.an, ull Ride .. 10 dli~ S,",urily ""trumem dIal arc cx,",uled by Borrower. Th. followi

Rid ...... 10 b. exoculOd by Burrower [check box o. opphc.ble!: 

§ Adjuslabl. Roue Rld.r 8 Condominium Rider 0 Second Hom. Rider Oalloon Rider Planned Unit D.velopmelll Rid.r 8 1-4 Pamily Ridor 

VA Rider Biweekly Paymenl Rider OdlerM Ispecify) 

(I) "Applicable Law" meon. oil (on!rolling applicable federol, slale ond locol slamte., regulUlion

ordilldnc .. and "dmillistrudvo rul •• and orders (dlHt hove the etfect of' low) as wen a. oil applicoble tino

.. on .. appl:aIHbl~ jUdlciul oplllions 

(J) "Conunuhlty Association Dues. Fees. Rod Assessments" meaRS aU dues. tec:s 1 aS$eS~m~nlS ~lIId oth

coorges thRt are imposed Olt Borrower or the Property by a condominiulIl assm:.buion. hOlilcowt1l::r

itssociudoll or shull1:l.r orgdllizlu:iol1. 

(K) "Eleclronlc Funds Tronsfer" llleans any tra","r of lunds, other Ibon a transoetion orighlllted b

check, drttft, or similar paper imarumcm, which h; initioled through UI) eh:c:.lronic ~rmillal, telephon

in.'4itcunumt, computer, or ItIsgmHic wpe 80 uS to order. instruct, Or Budmnze It filUl.nch~1 institution to deb

or credit Otl aCCDum Such tenll includes. but IS lIot hmiled ro, point~of-sule ,ra"8fur~1 811lomared leU

machine tcan • .::actions, transters initiatc:d by telephone. wire tnUlsfers. aud ilutonuucd cleilringhou

lntnsters. 

(L) "Escrow Items" means tho,;!! items that are described JII Section 3. 

(M) t'Mlscelinneous Proceeds" means any compell!:lItion, sertlCIUt'llt, award ot' damages, or proceeds pa

by any Ulird party (odlor than ill'UrHllte proceeds paid under dIe coverog •• described in Section 5) lor. (

dUlI1uge to, or destruction of, lhe Propcrt)'i (II) cOlldcmuuu;oll or other lHklllg of all or :my part of th

Property; (Hi) cOllveyance in licu ot coDdenumtion; or (IV) lIIiNrepre5tmtuunilS of, 01 omissions as to. th

voille ond/or condilion 01 dIe Property. 

(N) "Mortgage [nsurRnr.e1l means insuram:e pmtecllng Lender Ill,'ltinst the nonpaymeut of, or dcfuuh O

th, Loan. 

(0) "Perlodlt Payment" 1II.~n~ dIe regularly ~cheduled Ollloulll due for (i) principal ond illlereSI under U

Nute I plUR (ii) a.uy 31110uULli under S~cuon 3 of l'lij; Security Instrumcnt. 

(P) "RESPA" "'eon, the R.al EMote SelUomem Procedure. ACI (12 U.S.C. Seclion 2601 e' seq) and IL

implementing regulation, RegulatJoll X (24 C.P R. Part 3S00). as dlcy Dught be amend~d from time t

tillle, or any uddidOlwl or succes~()r legif:iluuon or regulatillJI thut governs the 8a.1II9 subJect mlltter. As use

ill dJis Sec:.urity IlIstnnuCIII, "RESPA II refers-to all rcquirel11enl;4:j and restnCllOlL.~ lIuJl ure impused 111 regar

CIt·SICA) fO~071 01 ""I''tr 0729942433 

Porm 3005 1/0

09-4
10 S "federally relsled OIorlg"8" 10K'" even if Ibe lnall does '101 qualify B! a "'ederally relsted morlg

lo.n" under RESPA. 

(Q) "Successor In 'n.orestor Borro",.r" me'lls ,ny party d,al ha ... ken tide 10 Ibe Property, whed,er 

'lOt Ibal p ... y h., a.,umed Borrower's obhgsllDIIS under lb. NOle Blldlor d,i, Securily h"lrumen!. 

TRANSFER OF RIGHTS IN THE PROPERTY 

This Stl:curity InStrunuml "curc::~ 10 Lender: (i) the ropaym~1I1 0" the loan. lind all rCllewa)fl:, ex(elisiDn~ a

nlDditlcatiollR of die NOIe; and (Ii) the performance of Borrower'g covenHIl18 and 3greem~ntg under d

Sc<:u"ly Instru",ent and d,e NOle. For d,ls pUrpoSe. Borrower Irrevocably grsn'" and cOllveys 

County 

Tru,,,,., ill lruSl, wilh power of .al., d,. fOllowII'll described property locBted in I

.fSACRAMENTO 

l1)pc ur R",ordm& Jurlwu:t:tou} (Nmnc or Reoordllli Juriadi",jDIII Legal Description Attached Hereto And Made A Part Hereof 

t;:X' h":t-W 'j>, \ 

P,,,,.IID Number: 013·0363·001 3622 West Curtis Drwe Sacramento 

which currenUy has U,e addre •• 

fSlra

ICilyl, C.lifornia 95818 IZipCod

("Properly Addr ..... ). 

TOGETHER WITH an Ibe improvemen .. 1I0W or hereafter ereeled UII d,e property, "lid .1

ca~'emeUls. appur(eu~n[;es. and fixtures now or hereatwr U pHrl of tilt: property. All replacenttmrs an

addition., _han also be covered by Uti, Socurlty In'lf"menl. All or U,e roregoing i. retorred 10 in dt

Securily Jnstrum"nt as; dle II Property. " 

BORROWER COVENANTS dtOl Borrower i, I.wlully "Ised of U'e .slalo hereby cOllveyed .nd h

d'e right 10 granl.nd c:onvey d,. PropertY .nd thut d •• Propeny i. unen~'U11Ibered, excepl tor e"cllmbn",ce

of ~ord. Borrower w/:lrnuu~ Wild will defelld GtlleralJy me title to dle Property against all chlinl~ an

demands. subjdct lO Hny em,umbrancell of reL-urd. 

THIS SECURITY INSTRUMENT combines "nlform covell'mL< tilr n"lioll.1 usc .nd IIon-,,"iroro

covenants with limited v~riHti[)nS by jurisdiction to col1l'ililule a uniform !iccurity hL.~trument covering reI

properly. . 

UNIFORM COVENANTS. Borrower .nd Lendo,' covenam and agree as follows

I. Payment or Prlnrlpal. Interesl, E •• row II ...... Prepayment Charges, and I..oto Charges

Borrower ,hall pay when due U •• priucipal ot, nnd IIII0r ... on, d'e debl eviden.ed by U .. NOle alld .ny 

prepayment charges and late charGes due ulldt!r tho NOle Borrower shall also pay funds lor Escrow hem

pursuHnt t[) Section J. PaymeJlLII; due under lhe Note and thl~ Se<:urity Instrument shull be mud" in U.S

. ""'~ 0729942433 

'Ci'6ICA)IOlQl'OI Ptq.30!16 U Porm30DS 1/0
ClItren\:y, However. Jf Imy t.heck or other instrument received by Lender as payment under thu Note Dr 

St:cunty InSlrull1cm ill retunled to Lemler unpaid, lA:uder may require tlldl any or all tolub.~cquellt pllym

du. under me NolO and chis Securiry Instrument be ",ade in 0"0 or mono of tho following fur",s

$.Iectod by Lender: (a) ca.h; (b) money order; (c) cettlned check. bank check. tre •• urer·s check 

."hi.r·, check. provided any such check I. drawn upon an ill<lltulion who .. deposits ano inlured b

fed.ral aUency. Insltumenlahly. or entity; or (d) Electronic Pund, Transfer 

Puymem. are deemed received by Lender when roceivud at dIe localion de.ignated in dIe Note O

such om" locadon •• may b. designated by Lender in accordance widllhe 1I0tic. provisiol~' in Section 

Lender may ... turn a"y payment or p'ttial paymellt If dIe payment or pard.1 payme"l$ aN in,urticiell

briny dl. Loan current. Lender may .... pt any payment or parlial payment insuflieien! 10 bring doe L

current. wimout waiver of any riglus hereunder or prejudice (0 Us ri,hl8 to rernse ~uch paYlllent or par

.,..ymen .. III the futu .... but Lender i, not obliyared 10 apply .u~iJ pay .. ents ut dIe time StIch payments 

"","pted. If euch P~"odic Puy",ent IS applied a. of it. scIleduied due date. dlell Lender need not p

interest on unapplied funds ..... nder ",ay hold ,uch unapplied funds until Borrower m"kes payment to br

d,e Loun current. II' Borrower do.s no! do SO within a reasonable period of lillle ..... nder .hall either ap

such fund, or return dIem to Borrower. II not applied earlier. ,uch funds will be applied to die oUlSland

principal balance Ullder die NolO immediately prior to 1'0 .... losure. No of".t or cl.i", whioh Borrow

mi8ht IIDve Jlow or in d.c future apin" Lender sbull relieve Borrower frDlQ nlHkiIJ8 p3ymellu; due un

the Note IlOd UIlS Security Instrumcill or performiug d,e (:ovenant8 alld a8reelllel1t.~ $ecured by this Secur

hlStnllllelu. 

2. AppllcRllon of Payments or Proceed •• Exce", as otherwi.e de,oribed in tlli, Seo~oll 2. 

pay",e,," accepted and applied by Lender shull be .pplied in tl,. JoJlowing order of priority: (u) imer

due under Ille Note. (b) principal duo under die Note: (c) a"'ounL< due under Sec~on 3. Such paYllle

"hall be applied to each PeriodiC Payment in die order in which it became due Any I'U:llwllling allloun

~Inlll be upplied first to late charges, 8\K!olld to Bny odaer UlIlounts dut: ullder dIis 5c=curilY In.'urumelU. I

th~n to redul:e die principal balance of die Note. 

It' Lender receives a puyment from Borrower 'or a delinquent PeriodiC Payment whitl) includes 

.ul11eient amount to pay any late charge due. dl. payll1ent m.y b. apphed to dIe delinquent puyonenta

the Me charge. If more than Olle PeriOdic Puyment is oUlSlanding, Lender may apply IIny l»Iyrncnt receiv

from Borrower to the repayment of the Periodic Paymcnl, if. and 10 tlle extent that. each payment eRn 

paw III full, Tn die extent dun lilly eX(:e$$ exisl.o; uflt:r dll: payment h~ applied to die tull payment of "lilt 

more Periodic Paymon ... suob exce .. may be 'pplied III any late ch.rge. due. Volumary prepaymen .. ~h.

be applied first to uny prepayment ch.ryeo and die. e. described in the Note 

Any applioatlon of payments. i .. ,uran •• prot •• ds. or Mi,'CeUanCDus Proceeds to prinCIpal due und

du!: Note fillall not extend or postpone die due date, or "hange lite amount, of die Ptdodic PJ:l.ymctllS.. 

3. Funds ror Escrow lie .... Borrower ohall pay to Lender on the day Periodic PaYlllents are du

under die Note, u.ntil die Note is paid in full, a $um (dIe ·Pund$U) to prOVide tor paymelll of' amounts d

for: (0) laxca and aS8eSSllltJlts and othcr items which CHIl ausin priority over Illis Security III~lrumem as 

lien or encumbrance on dIe rroperty; (b) I .... hold pRyments or ground rents 011 the Property. if auy; (

premiums fur any and all insurance required by Lender under Set:tioll S. and (d) Mortgage hlSUrftli

pIlllliuUlS, if any, or any sums payabJe by Borrower to Lender in lieu of die paymullI of Mongag

IIl~uram:e premiums in CI(.:cordHllce with the provisions of Section 10. These hems are culled "E!liCro

Items," At orlghunioll or at uuy lillie during the term of dIe Loon. Lender mMY requirt dUll Conulluni

Association Dues, PeeN, and A8~cl1smtnlA. it auy, be escrowed by Borrower, and such dues, ree~ an

KSReRSlIlents shltll be 811 E!!r\'crow Item. Borrower ~hal1 promptly furnish w Lender all notices of amounts 

be paid under dlis Section. Borrower Shall pay lA:nder the PUIld8 for E.'«:mw Item!; unless Lender wuiveo

Borrower's obligation to I»IY the Puuds for auy or all l3~crow ltelllll. Lender nuay waive BDrrower

obliglltion to PHY to Ltl1der Funds ror ~lIIy or alt e~crow Items at ally Lime. Any 8uch waiver may only b

072994243

P8gI.4olll5 Form .1006 1/0
hi wriling. In dll: event of such waiver. Borrower shall pay direct:ly, wheultlld where payable. die Hmou

due for any I!l<crow Ilems for which paymenl of PUlld, h •• b.en waived by Lend.r and, if Lender requir

shon turni.l. 10 Lender receipt. eyidenclng ouch paymenl wldlin .uch dn.e period as Lender may requi

Borrower's obliuotioll 10 make .uch payments and to provide recoipl' 'hall for .n purposea be deemed 

be a covenom and IIllreemenl cmltained ill this Securily Instrument •• s dIe pI"."" "covenallland agree ... e

.. used ;11 5",,11011 9. If Borrower is obligaled III pay escrow Item. dlreoUy, pursuanl!O a waiver, a

Borrower MI. 10 pay dlo amounl due fur an E~crow Ite ... , Lender moy exerei.e it. riyhts under Section 

alld pay .uch IUlIoum .nd Borrower shan dlen be obliguted under Section 9 to repay 10 Lender .oy su

amoulII. Lender may reyoke dl. woiyer a. ro ony or .n Escrow IIem8 at any time by a norico giyen 

KCcordance widl Seclion IS and, upon .uch revocatioll, Borrower .holl pay 10 Lender all Pund" alld 

$Dch amoUlllS. 'hat Hre thell required under this Section 3. 

Lender m.y, alany tinle, collect and hold Pund. in ullamounl (a) ,ullieionllo permit Lender 10 app

die Fund!! at tile time ~pecified uUd6r RBSPA. and (b) nM 10 exc.eed die Ilundmum amount 8 lender c

require under RESPA. Lender 'hall •• dm"re die Olllount of Fund. due on die b •• ls of currelll data .

rea~otlable estimates ot' expendltuFeI'i ot future B.~row Items or otherwise in accordance with Applica

Law. 

The Pund, oh"n be held III .n i.,lilUlioll who,e doposi," are Insured by u l'eder,,1 uuen

Instrumentality, or entity (hlCludillg Lender, It Lender is Mn institution whose deposits are so insured) or 

any Peder.' HOllie Loan Bunk. Lender"laU upply Ule Fund. 10 pay dIe alltmw Ilems 110 larer dian ale lil

specitied ulldor RESPA. Lender sban nOl charge Borrower for holding and applying dIe Fund., amlua

IUlUlyzitlg the escrow account, or verifyinG die Escrow ltellls, unleJl~ Lender pays Borrower Ullere~l 011 

Fund, and Apphcabte Law permi", Lender 10 make .uch a eh.rge. Unless un agreement I. lIIade \\I wrili

or Applicable Lltw ",quire. mtere.'1 to be paId olllbe Fundo, Lender shall nol be required 10 pay Borrow

allY interest or eornlngs on the Funds. Borrower and Lender can agree in writing, however. that illte

shall be paid on dIe FUlld •. Lender ,hun giYe 10 Borrower, widlOUl chorge, an .nllual accounting of 

Fund. as required by RESPA. 

It'there is 11 surplus of FUIld.~ held ill escrow. as defined under RESPA. Lender shull account 

Borrower for dl. exceSS fund, In accord.nce with RESPA. Il'dl.re i •• 8honas. of fund. hetd Inemo

as delined ullder RESPA, Lender 1'1,,11 1I0dly Borrower.s required by RESPA, .nd Borrower shan pay 

Lender the alllount necessary tu make up Ihe ~llOl'IHue in BccOrdsllCC wid» RESPA, but ill no nmre dum 

1II0nthly paYOlelUS. It dlerei,. deUclellcy of Fund. held inemow, •• delined under RBSPA, LendersllU

nolily Borrower a. required by RESPA, a"d Borrower shall pay I/) Lender dIe amount nec.,~.ry 10 lIIa

up dl. delicieney inuccordunce with RESPA, but in 110 1II0re dlUn 12 monthly puy ... n". 

UpOII paymelll in full of .n SUIII' secured by dl;' Security III!truIllCIll, Lender shun prolllpdy refu

10 Borrow .. IIny FUIIds held by Looder 

4. Chnrges; Liens. Borrower ~hall pay lilt IUX~8 • .3sstlstunclIlN, charge$, fines. lind impositio

allribulltblc: to (he Property which c..au altam prlOnly over tJd~ Security Instrument. leasehold payments 

ground rents 011 the Properly. if allY. und Community Associadon Dues. Fees, and A8Se!l.~ment8. if any. 

dIe •• lent dIal the.e itelll' are B",fOW Items, Borrower .hall pay UIOm in the mHlUle, proyided 1\1 Section 

Borrower shull promptly dil'ic..harge any lien which hlt:; priority over dli~ Security Instrull1eul unl

Borrower: (II) IIKreeN til wnting to the payment of Ule flbJigation secured by the liell ill II. mURner ucx.eplu

to under, bu.t only ~ long ItS Borrower is performing such agrecmenl; (b) l:011teSI.~ [Ju, lien ill good tiu

by, (lr defends aUItIlL.;t enforcement of the lien in. legal proctDdings whicl. in Lender's opinion operate 

prevem dl~ e,,!\lrcem.m of dIe lie" while dIOse proceedinss are pendins, but only unul such proceedin

are concluded, or (c) securel'o trom LIte holder of lhe Jit!:ll un asreement8aUs'Hctory to Lender subDrdlnat

lIle lien to tlli~ Secunty Im:trullltmt. If Lender determill~s dun H.ny pare of Llle Property is subject to H l

which CHII atwin priority over this Security Instnnneni. Lender litH), give BDrrower u nouce idcllflfymg 

07299424

CIt .8(CA) IO~071 01 P1905 IIf1& FDtrn 300& 1
hell. WilhUl 10 days oflhe dall: 011 whlcll dlolllodoe i. 8i .... , Borrower shall sadsfy dleliell or rake olle 

ll1or~ (If du~ 8t:tioll.~ set ford~ abol'o in thili Scttion 4. !...ndor IIWY require Borrower to pay a one·lime cllorse for 0 real .stllte III' v.ri!iealioll ond

repollhlg servioe used by !"'Ilder III COlillecliull widl dn, loIIn. 

5, Property In.ur~nce, Bllrrower .han keep dIe illlproyemellls 1I0W e.i'~lIg or hereafter e .. cted 

the Properly Insured agllinst Jo!'!! by tire. huzords included willlin die term "extc:nded coverage," and H

ollter h .. ards Ineludlo'll, bUlliOIlimited to, eardlquakes 811d 1100d" ror which Lend.r require. ill.UIBI

This Insurance shall be ","illlllin.d in !he amounl. (moluding deduotible le.els) and lor dIe petioli.. d

Lender requires. Whot Lender requires pursuant to the preceding sentences can change durh'll dIe term 

d,e Loall. The ill.uronce carrier providh'll dIe in,urallce shall be cho ... n by Borrower suqjee. to Lellde

right to di •• ppro.e Borrower', choice, which right 'hall 1101 be e.erei""d ullreosolwbly. !"'lIder m

require Borrower to p.y, ill cOII""otioli wldl dli. Loall, .id,er: Ca) a one-lime charge fur 1100d zo

determilludofl, certiticarioll IIlld rf'2Jckilig ~rYfC"; or (b) a OIIC·U,ue clrllrge tor tJood Wife defcnniliSd

and C~rtUir;lItinll ~eryices and sub5~uent tharges each lillie reQldPplllg.'Q or simi1 .. r chHllyes occur whi

rdosollably mighl .troct such delorn,llllldoll or ce"lncadon. Borrower shall also be re'pon,ible tor I

paYIIIOnt ot any I .. , IInposed by Ule Pederal Blnergency Monagelll.nl All-ncy III COlI'tecuon wilh d

review of Hny tlul,d zone dcterminalioll reRulting from an objection by Borrow&:-,. If Borrower mil$ (0 nwinhlill imy of the: OOyerau6~ de~ribcd above, Lender may obtain insuran

coverage, .t !...nder', option al,d Borrower's expenie. Lender is under 110 obligation 10 pureha,o a

parllcular Iype or '1II0Ullt of Coyerage. Therelore, .uch enverBge !!lIon enver !...oder. but might or tIIlg

lIot protect Borrower, Borrower'sequhy in the Property, nr die contenlS ofdle Property. Hgahl~t any riS

II .. ord or ltobUlly and mlghl pro.ide greater or I.""., oO •• l1Ige than Was previoll,ly in efltci. Borrow

acknowledges tIIllt die cost of the hl.liuram:e covel'Hgc:lo obtuilled might tdgnificandy exteed the 1,:05t 

iI.,urunce d,u, Borrower could b ... obrail,cd. Any umnunl' disbursed by Lender under U,i. Seclion , ~lI

becolI\~ MddiuOIWI d~bt of Borrower secured by this Security Instrument. These amounts shalf btHr inter

Hl die NIUe nile frum the ddte oj' disburtC~ll1enc and flhBIl be payable, wiCh such illtdret:l, upon notice fro

Lelld., to Borrower requestillU paymem. All III'U"IIICO pulicies required by Lender olld rellewal. of .uch policie. ,h.1I b. NubJoct to Lender

right to dl .. ppro ••• ucb pullcie., .han illclude • ,wlldard mortgage clau •• , alld ,h.1l IUlllle Lender 

mortgagee andlor as un additional loss puyee and BnrrowC3'r further agreell to gemmdly 3lisign rights 

ills.,"nco proc.ed,1O dIe holder of !he Note up to 0,. amoullt or the oll~'lIlndins loan balonce. Lender ,b

ha •• U,e rillht to hold d'e policie. olld rellewal ".rulicaw •. II' Lellder requires, Borrower .han prompt

give 10 Lender .11 """"'phl 01 patd premiums Rnd rellewal IlOIiee. If Borrower oblllln' any forUl 

insunmce covdruge, not otherwise required by Lender I for damugc to, {lr de$tructioll ot, dl., Propeny, su

pohcy .11011 illclude •• tandard mOrlgas. c1uuse and .1I.nllomo Lender as morljjocee and/or •• an BdditiOl

10$5 pilyee Dnd Borrower further "grees 10 gem:rdUy IU:!lign rights 10 ill~urance proceeds to the holder of t

Note up to tile KIlIOUIU of the oucswnding Joan balance. III lh~ event of lOllS, Borrower NhaU give prompt notice to du:: insurance carrier and Lender. Lend

muy mHke proof ot luI'S it not Illude promptly by Borrower. Unless Lender and Borrower ollierwiNe Itg

in writing. Hny in~u~nce proceeds, whedler or nol the uliderlying iU5urancc was required by Lender. sh

he applied 10 ,",lOralioll or repair of dIe ProperlY, if d,e rellorodon or rep~ir I, ecollomically (eoslble a

Lend.r's Iecunty IS not lessened. DurmG sucll repair alld restor.tioll period, Lelld.r .holl lIave the righl 

hold .ucll illsuranee proceeds until Lender ha. had a .. opportunily to in.pect such Property to en'ure d

work hu. been compleled to Lender's sad,liteuoll, pro.idcd d .. 1 such inspeeu(lo shall be ulldel1.k

prolllptly Lendor may d,m"",. proc .... ' for Ihe repal .. and restoIBtlon In • smgle p.ymolll or in •• er

of proS'"'' payllIollts as dIe work is completed. Unle ... 11 "greemenll' made in writinG or Applic.ble La

require,. hUen:sr Co be pa:id on such insurance proceeds, Lender shalf Itot be required to pay Borrowdr a

mleres, or t:unlings on such proceeds. Fees for public ildjuGtors. or other dlird p.IIrlIes, rc:htined 

Borrower 'han 1I0t be paid nut of Ule m,urdll.e prllceed. Dlld 011011 be 0,. sole obligation or Borrower. 

the reMloration or repulr is not ccol1omil;alUy fe8~lIble ur Lender's KtCunty would be lesSiened, die insl1ru.l

procet!d8 shall be applied to the sums secured by this S~curi.y Instfllment, wJlethcr or not dieD due, w

~:GICAII020'HCJ1 "'~ 072994243

Form 3005 11
dIe excess, If ally, paid 10 Borrower. Such in,uronce proceeds shall be applied in lb. order provided for 

Scotian 2 

If Borrower alr.ndons ~Ie ProperlY, Lender "'ay Iii., negotiate Bnd Mltle ony Bvallable insuroo

duim alld lelBced nlUI/.rs. If Borrower do" 1101 rospond wllbln 30 days ro 8 nmice from Lender dlae 

.. surance Carner has offered 10 'elde a claim, d.en Lender n .. y n.goliale and seille dIe claim. 11 •• 30-d

period will begin wben dIe lIotice is given. In eidICr ,vont, or if Lendor acquires d.e ProperlY und

Seelion 2l or odlerwise, Borrower henoby a .. Igns to Lender (a) Borrower'. rishll< to ony InsurKlI

proceeds in till alUount nOl to excetd the HIllDUIlt8 unpaid uudBr the NOle or this Security IILIIl,IrumclU, B

(b) .ny olb,r of Borrower', righls (olber Iban d •• nghe 10 any refund of uneorned prenriun .. paid 

Borrower) under all In,;ur8l1ce policies covorinlllbe Prop.rlY, im",I'r as such righL< are apphcable io l

coverage of the Property. Lender lIlay UIiC die in$urallce proceed8 eitber to repair or restore die Property 

to pay am()UlIl~ unpaid ullder the Note or dll~ Securil)' Instrument. whcdlcr or not then due 

6, Occupancy, Burruwer sholl occupy, establish, ond use lb. Property a' Borrower's prillci"

re~idellc~ witbin 60 days after (he exccuQon nt dliN Security In~nllnel1l and sluIII continue 10 occupy 

Property a$ IInrlOwer's priocipdl resKio"co tor al le.SI 01'" ye.r .fter III. dale of oc<upallcy, unies, Lend

oillcrwiNc agrees in writing, wInch COIl).'enl shall nOI bt= unreasonsbJy withheld, or unle.~s extenuati

circumSlalloos exi8t which are beyond Borrower's c.:olltrol. 

7, Ptestrvatlon. Mainlennn •• and Prot •• tIOD of the Properly; Inspections, Borrower 'hall I

desb"oy. dUlDltge or impHir the Prop~rty, allow (he Propeny to deterioratte or commit waste on 

Properly. Whedl.r or not Borrower Is residing m die Prop'rI)', Borrower .hon lII,imain Ibe Propeny 

order to prevent d.e Property from delerlorating or deereo,illy in value due to ilO condItion UI~OS. Ie 

detem1iued pur8UQIlt 10 Section S thnt repair or resioration if: not ecollDlnically feasible, Borrower sh

promptly repolr dIe PropertY II damoged to avoid litrther d".rlllrudon or damaye. If ir~'.ran.e 

COUdllll1luttioll procced~ are paid in cunnection with damage: to, or tile laking of. l1lc Property. Borrow

IdUl1I be r~pOlL~ibh: tbr repairing or restorlng dll: Property only if Lender bUfl: released proceeds for Mu

purposes L&.lder ilia y di$bur:." proceeds for tllCJ repa'ffl and restoration in II single PKYIllCIiI or ill II selies 

progreRR paymcnlJ UN tlie work is complered If d1e insurance or condenulBtion proceeds sre not z..'tIttici

eo ",,,,,Ir Or re,loro d •• ProperlY, Borrow", I~ 1101 relieved of Borrower's obligation for dIe compl.tinll 

such repair or restorntion. 

Lellder or iL< agenl may 1II.1ce ,".sonable enlrt .. upon und Inspeclion. of dIe ProperlY. If il h

reasonable cause, Lender n .. y illspecl d,elmorior of dIe illlprovemem, Oil die Property. Lender shall gi

Borrower notice ttt the time of or prior to such anlllferior ilUipection gpeciryiu8 such re380118ble caUse. 

8. Borrower's Loan Applklltlon, Bnrrnwer 'hall be in defaull If, during dIe Loan applicati

process, Borrower or any per80ns or emilies actillg at die direction of Borrower or with Pormwe

kl1nwledge or cOIl)'C1U gave materially faist, lIuSilea.ding, or inaccurure illfonuation or Slatemcnt.~ to Lend

(or tailed to provide Lender with IIlll.tcriaJ infornr.nion) ill COllllcctjon widl die Loan. Mater

representations include. but Qrc not limited 10. represeUlutiolls concerning Borrowor's oC<.:upancy of 

Property as Borrower'~ prilll.:lpal residence. 

9. 1''01 .. llon of Lender's InlortlSlln Ih. Property Rnd RIghts Under tilts Se<urlly Inslrument, 

(a) Borrower tail~ to perform du; c:ovemulLq Hod agrec:meJlUl: COlibiUled In this Security In"trumem. (b) the

10 a legal proceeding dIal mighe .1&Ullicandy atfect Lender', inle"'s, in lb. Properly andlor rights und

thi. Securhy [n."umenl (such as a proceeding III bankruptcy, probote, for condemnation or forfCllure, 

eJlmrcelllem of a lien which lllay atUtin priority over this Security Instrument or (0 entorce laws 

regulolilln8), or (c) Borrower ha. abandolled d •• Properly, dlen Lender may do and puy lor whatever 

fCltsonable or appropriale to proteel Lender's IIlteresL III dle Property Mud riUlliN under dlis Sccur

Imurull1ent. including prolcctins HlIdlor as.~"8hl& the vulue of dIe Property, and 8ecuring andlor repQir

die Prupcny Lender's actiom: can il1clude, but lire not hmited 10: (H) lNtyiny UIlY SUInS ~'ecUll:d by a l

wbiclJ ·'UIS priority over tlul Securtry hl",rument; (b) Hppearll1g III court: ~lId (c) paying re1fsooH

fI\ -6ICAI (0207) 01 ""'1; 072994243

Purn. 3006 1/

09-4
attorneys' 10eSIo proleCI n~ inlereBt in dIe Property olldlor rights under dlls Security hl'lrulllem. includi

its .. cured posldon In • bankruplcy proceeding. Sec.rhlJl Ibe Propeny mel.des. bUI IS not Iimiled 

enlerilljl die ProperlY 10 make repalrg. change lock., repl ... or board up dpors and windows. dr.in wa

from pipes, ellminale building or oUlcr tode vlolalion, or dangerous condniOit', nnd huve udllde. lum

011 or otf. Aldlnugh Lender may .. ke acdlln under dti. Section 9, Lender does nOI have 10 do so and i. I

ullder any duty or obllgadoll 10 do '0 II ~ agreed dlul Lender incur, no nobility for not takillJl any or 

oedon. uudlorlted under dli. Seodon 9. . AllY 31110unts diobo ... d by Lender under Ibi. Se<:don 9 ,hall becollle oddiliollal d.bl of Borrow

secured by dli. Securily InstrUmenl. These amllunL~ shan bear interegt allbe NOle nne frolll lb. dOle 

di.bul$em.lu and shan be payable, wllb .uch in .. re.t. upon notice from Lender 10 Borrower roque.d

payment. If dli. Security hUI1UlIlOm is 011 ~ I ••• ehold, Borrower shall tolllply wilb all Ibe provlSiollS of d

I •• ,e. If Borrower .cq.lre~ lee ~t1e 10 Ibe Property. dl~ I.a.ehold a"d die lee title 'han IIDlmerge UI~e

Lender agrees to (he merger in writing. 

10. MorlJIIIue In8uran ••• If Lond.r reqUired Mnrlj;llge [n,uranee as " condition of lII~killg lb. Lo~I

Borrower shull pa)' Ibe prellliumtl required 10 IllHllltlllII tbe Mongage Insurance in ettect If. for 8U)' reaSO

dn: Mortga.ge Inl~uram:e coverage required by Leuder ceH~'eR to be uYlIilable from lite IllortgltgC blRurer tb

previously provided Much tnfi;UrOI1CC IIlId Borrower waSi required to make J:epurately deSignated p<tymen

loward Ole premiums for Mort!lHgC Insura.lce. Borrower shall pay die premjulI1s required to obta

ooverage substantially equlvalem to Ibe Mnrllloge III.urance prevloUlly in clTcel. al ~ toSI sub ... mi.

equivalolll 10 dIe ""., to Burmwer of Ibe Mongagc [ns.rollo. previouslY In elfe<:l. frolll all altern

morlgage insurer $elecled by ~ndcr. If l'ubs.t:aRtially equivulent Mor.guge Insurdnce coverage is n

available, Burrower shall continue to pay to ~Jlder Ole amount of the separate1y desiglwted pHynumts d

were due wh~n die insurance coverage ceasW to be in etlect. Lender will au:cepl. use and rewin dle

paymenlS as a nOli-refundable loss rel<llrv~ In lieu ot Mortgage Insuratlce. Such loss reserve shan 

non-reIlJlldHbl •• nOlWilhslHlldil1Jl tile fact dial dIe Loan i. ultimaloly paid in full. and Lender shan 1101 

required (0 p3), Borrower allY interest or earnillglC on sucilloss reserve. Lender (:1111 flO IOIll:er require r

rem:rve paylllenL~ if Mortgage Insurance coverage (in the amoullt und for Ihe period dial Lender requir

provided by lUi hL'\urer ~elecced by Lender HgHin becomes uvailable. is obtall1ed. and Lender requi

sepanltely designated lNIyments rowltrd die premiums tor Mortgage Ins.urance. If Llmder rcquii'M Mortga

Insurance llN U condition ot" lUaking die loan and Borrower was required to make separdtdly desiunut

paym~IIL~ toward die prel1llUInS for Mongag¢ JDlilural1Ce. Borrower shall PllY Llle prCll1iUInN reqUired 

maintain Mortgage Jnsurance in efrect, or In provide H IIDII-refundable 10851 reserve, unul Lende

rcqulFcmtmt tor Mongltg¢ Jmurallce cnds ill accorda1lce wid) all)' written agreement between Borrower a

Lender providing tor such termination or until termination is required by Applicable Law. NOI.hilig in t

Sectlun 10 atreus Borrower's obliglttion (0 pay i11lerest at lite rate provided lit dll:: Note. Mong~e Insurance reimburses u~nd"r (or any entity Ihat purclia8es die Note) tor ccrlain losses 

ma), inCur if Borrower does not repay the Loan liS ugrccd. Borrower is not a party to die Mongi

h'!lurance. 

Mortgage insurers evuluate dll~:ir "nul riNk 011 all such insurance in forct: fromume CO time, lind IU

enrer uUo agreell1enL~ willi oaher pMrties that Rhare or modify Olcir risk. or reduce IDI'SCS These HUFCeme

l:Ire on rerllls and conditions thHI ure Riltlsfilt:tory to die morcg8l::e illNurer ,md the odlcr party (or panics) 

Lhelie uureemeJlt8. TheRe agreements IIW)' require die mortgage IIlNUrer to make pB)'mcIIL'\l uSlIIg auy sou

of 'unds dJiH tJlt~ nlorcgago JJ)Surer IUD)' bJlve itvuilab)" (wbiLh may include funds obl8ined from MOI18H

Insurance prelluums). I 

As II result of the~'e agrcelllenl~. Lender, any purchaser of the Note, anodl~r In~urer9 HIl)' reinsur

ally odler elltil)'. or any armial. of any of dl. for.going. moy receive (dlreclly or mdirecdy) .",ountiO d

deny. from (or mighl be characleri .. d aR) a portion of Borrower'. pay",enL< for Mortgage Insurance. 

exchange for sharin, or modifying die mortgage: iU!4Urerls: risk. or reducing tosses. If such agreem

provjd~s Illm an attiJ;~te at' Lender rake.~ a slulre ot die insurer's riNk lit exchange fur u sbare of 

premiums paid to IIle ilUlUrer. the amillgenlellt iN often term~d "captive rclullurallce. If Furth~r: 

(a) A ny such agree",ents will nol .1T..,t Ihe "mounts th.t Borrower h.. "greed to P"Y 

Morlgage Insuranc •• or "ny olher lerln¥ of the Loan, Such agreements will not Increase Ih. "mou

Borrower will owe for MortJIIIge Insuran ••• and Ihey will nol enlltle Borrower to .ny ... fund. 

~ .SIOAlcOlO)'1 01 '~ 07299424

Fonn 3005 1
Morlllagc 

(b) Any such agreements will nol aff~llhe rlghls Borrower has • IF Any· wllh respeello 

may 

Insurance under Ihe Homeowners Proleclion Act of 1'98 or any olher IRW. Th .... rig

MorlgRge 

Include Ihe rlghl 10 reeel"" (ertaln disclosures, 10 request and oblaln cancellation of 

In.uran.." to hRv. Ihe MortlRSe Insurance lermlnaled automallcally, andlor 10 retelv

refund of any Mor11R8" Insurance premlu .... Ihal were unearned allhe 11m. of .uth canceUation 

lermlnRtlon. 

II. Asslgoment of Miscellnneous Proceedil Forrellure. All Miscellaneous Proceed. are here

.. s,uned IU and sh.1I bo poid 10 Lender. If Ute Propeny is dalllaged, such Mi""ellanoo .. Proceeds shall be applied co resloradon or ,epair 

Durim: 

die Property. If Ihe restora.on or repair is OI.OllOlIIicolly feaSible ond Lender's security i. 1101 les •• n

.ueh repoir and reslOreuulI period. Lellder shall hove Ute righllo hold "lICit MbceUalleous Proce

until 

Lender'. 

Lender It •• hod on opponunllY 10 inSPCCI suelt Pn'pcrty to ell.ure the wo,k 1I0s beell cOlllpleled 

"Ii,foctioll. prov,ded d,,, suclt IIIspecllon !dl.n b. ullde,laken prompdy. Lellder may plY for 

rep.!l.lrs and restoration in II ~hl!lle disbuBeJnunt or ill U h'Cries of progress paymentB 88 the work 

"o",plell>d. 

MiscoliuneouR 

Unless all agreemelll iB mode in writill.!l or Appll"'dble Law ''''luI"," ;,»ere .. 10 be poid oll.<u

MiicelhlUWUS 

Proceeds. lender shall llDt 00 requ.red to pay Borrower Blly interest or earnings on su

Proceeds. If Lhe reRforation or repair j:; lIot et.'OliomicaUy feasible or Lender's $ecuruy wou

whether 

be lesseoltd, the Mi>'CelltUlt:Ou.~ Proceeds shall be applied to die SUUlS se<:ured by tbi~ Seeun,y In.qtrunum

IIr 1101 then due. with ~Ie e.oo ... if any. paid tu Borrower. Sucll Mi,cellaneous Prlk:eed •• 1,.JI 

applied In dIe order provided for III Seclion 2. III the .v.nl of • toM lakin •• de'truction, or 10,. ;11 valuo of Ute Prop.rlY. dIe Mi,ceUalleo

Proceeds ,ball be applied to dIe ,ulllS secured by thi, St>curily Inslrumont, whodl.r or 1101 dlell due. w

the excess. if any, p.llid 10 Borrower. In die evellC of. parrill lakit'll, d .. 1ructiOll. or 10800 ill VIIlue 01 dIe Propeny in whIch dIe f.lr lIIark

yolu., of d.u Property 1I111l1cdiatt=ly betbre the partial wking. destruc.tion, or loss in value 1~ equal to 

wk:illl:. 

greater thuu (he amount ot me sun)!' ~ured by this Security hlSlrUnllmt immediately before the part

desb'tlctiol1, or 101il~ In value. unle~ Borrower and Lender otberwi~'e agree ill writing. the $um

,",cu",d by this Security Itk'lrullIenc sll.1I b. red ... d by ~,e Killounl of dIe Mil",.lIolleou. Procee

llIulllplied by dIe followi". froclioll' (a) dlc ttltal HllIount 01 the sul\l~ secured illunedlalely bolore d

poniol tHklll8. deslructiun. ur 10 ... in value divided by (b) the ~d" llIarkel v.lue uf d,e Proper

lIIunedi.lely before dIe p.r~.1 .. king, destructioll. or lollS in v.lue. Any b.IKnce slrdll be ~ald 10 Borrowe

lo the evelll of a pardal biking, de$tnn:tion, or loKS' in value ot' die Property ill which die tlur mark

value of ~'e Property illlllll>di.rely before dIe porrial lakillg, de.trUclion. or 10" in yolue is le.s than d

Borrower 

amount ot' tbe IIOUI11S secured immediately before ~le pardal taking, destruction, or loss in value, unle

and Lender odu:rwil'C agree in writing, the MilicelJlmeouR Proceeds sirdll be applied to the 8um

secured by this Secunty Instrumtfllt whether or IUlt the 8UII18 are then due. 

Opposing 

If die Property i. abandoned by Borrower. or If, HIler notice by Lender to Borrower iIlal th

Borrower Pany (a~ defined in Ihe next 8emence) otfers 10 make Iln award to setde a claim for danmgeR

fails 10 N:Jlilpond to Lender Within 30 days Itner die dale the notice it; giveJi. Lelld~r it! audlOril.e

10 colleel Knd apply dIe Mi,cellaneou. Proeoods eidler 10 re.lOrallon or repair of dIe Properly or 10 th

l'IulUR setured by dU8 S~urlly hL~trument, whether or not tben due. "Opposing Party" DteHm. du~ third par

tliat oweN Borrower Mi~ellamwu8 Proceeds or diU party against whom Borrower JUt!' a riAlhl of HCUOJl 

resard IU Mi.cellalleou. Proceed •. Borrower !rihull be ill defllult It any "cricH) or proceedinG, whed)er civil or crimlJUIt. is bugun rhxl, 

Lender', judgment. could resufl in forteitur. of die ProperlY or otller n .. lerlal impairment of Lender

interest in dIe Properly or riglllS under tJlI~ Securuy Instrument. Bbrrower can CUrti $uch d detault and. 

acceleration 

dislUis~d 

h:u; occurred. reiu!ltQtel:ls proVided iu Se(.:bon 19, by causing the Mcdon Dr proceedlJlJ: to b

widl a ruling IHat, in Lender'l\ judgment, preCludes forfeiture of die Property or other unlteria

nllpairmelll of Lender'. intere.t In the ProperlY or fights under d,i, SecurilY Instrume"l. The proceeds o

allY award or clHim for damage. dIal are altribulable 10 tile impoirlileill of Lender's illl.reSI in Ute Propert

arc Ilereby a88icned and shall be poid 10 Lender All Mi ... II.neous Proceed. d .. t are nol Hpplied 10 reslOrotloll or repair of Ute Property shail b

applied In the order provided tor III SeCDon 2. 

JZ. Borrower Not Releftsed; Forbearance Oy Lender Not 8 Waiver. Extension of the time lo

pHynienlor modlticatioll of 1I1110ruzauoli of die SUIUS fieC:ured by Ihit: Security Instrumunt &nulled by Lende

4Il.0fCAI 40207j 01 Pig! 9af U' '""'~ 0729942433 

Form 3005 1/0
10 Borrowor or ony Succe!'SOr mllllert$t of Borrower "hollllOI oporate 10 rel .. se tho (jobiliey 01 Borrow

or allY Succ."$O'" illlnterelli of Borrower. Lender "hull nol bo required 10 OOnlll1enCo proceedillg •• gait

allY Suc .. s.or ill Intoresl of Borrower or to refuse 10 eMlend 6'''0 for payenelll or otherwise modI

HmortiZlldon of d,e sums secured by tIIis SecurilY lllstrumolll by reaSon of allY dellland made by dee origin

Borrower Dr any Succel'.<o'" in Inlero"l of Borrower. Any forbeamnee by Lender ill exen:ising any righl 

remedy iliCludll'll, widlOul limillliioll, Lelld.,'" He'''ptouee of p.yntenl8 from third PO"'OIl', entldes 

SUtcell~on in Interest of Borrower or ill ;unuutlls less dum the amount t.hen due, shan nDt be a wBiver of 

preclude the exercise of OilY riUlu or rellledy 

13, Joint and Several LI.blllty; Co-sIgners; Successor. and Assign. Bound. Borrower eoventll

olld uGr ••• dIal Borrower', obligations and habllllY "hall be jOlnl and ".vonll, However, allY Borrower w

CO'Slgns thiN SecunlY In,lrulll.1II bUI do." not execute d,e Note Ca "co·,igner"): M i, co·.nglU"g ti

Security h"trument Dilly 10 mortgage, glllllt .nd cOllvey Ihe co-slgner', interest'" the Property under t

lerm, of tim SecurJly Ilisirumolll; (b) i. IIDt p.r!lO".lIy obligated to pay lIIe 'u"" secured by Ibis Secur

It"trun",nt; alld Cel ogr.es thaI Leod.r alld any other B.rrow", can auree 10 exlelld, 1II0d"y, Iorbear 

make any acconJIIlod.liollS wJth regard lO die terJlL~ of thiN Security Instrunle-nl or the Note wJlhnur t

cO-f:igner's CO'1.~nt. 

SubJoct to die provisions of SeCl101i 18, any SUIX:e .... r ill Interest 01 Borrower who al'l'um

Borrower', oblig.liolls under tllis SecurilY Instrument in writing, alld .s approved by Leuder, shall obta

all of Borrower'. rights and be"efits under dli, Security In'trumenl, Borrower 'hoU not be released lro

Bormwl:r'N obligations and liability und~r lilis Security hUllrumollt ullh~ss Let.dar agrees to such release 

writillg. The cove"ant. and agreemellL< of dli" SecurllY IIISlrunlent sl,.1I bind (except •• provided 

Section 20) Hnd be"efil Ille ,ucoe'sor' ."d ."Ign, of Lender, 14. Loan Charges. Lend"r muy change Borrower fees for :;ervice8 pttrformed ill connection wi

Borrower', delilUlt, for d,e purpose of proleceil'll Londer's intere.1 in dIe Properly and .,Uhlll under d

Securily hl!'lfUlllent, illcludlll8. but IIDt IimitC'd to. auorney~t fees, property ill!~pecuon and valuation fee

In reGard to any odler fees, the ab.<ellce of expre,. authority in thiN Security "",trulllenilo charge a specif

t'tlc to Borrower shall not be construed as Ii prollibiuDIl on die charging of such fee. Lender may nol char

fee, dlat are expres.ly prohibited by dli. Stcuflly 1I .. lronlenl or by Applicable Law, 

If U,e Loan i. sub)"'IIO a law which .... lIIaximu",loulI charges, and thHllaw I. filially intel)lroted

dUll dlt~ interest or Olher 103n chllrgeJ; collected or 10 be collected in connection widl dill! LoKn cxceed t

pennitted lI111iL', dIe,,: Ca) allY ,uch loan charge "haU b. reduced by the aRlount nec .... ry In redoce I

eh.rCelo dIe permitted IinDt; and (b) any 'U"l< already <'OUecled from Borrower whiell exceeded perlllitt

limits will b. refunded to Borrower. Leoder ",ay choose to lIIake thi, refund by reduclllg d,e prine.p

owed under die Note or by mllking 8 direct payltl~nt to Borrower. If II refulld reduces princJpal. t

reducuon will be treated •• a puroal prepaymc .. widlout ooy prcp.ymelll Charge (whether or nol 

prepayment ch.rgc is provided tor under die Note). borrower'. acceptance of any such refund made 

direct pilymclII to Borrower wi11 con~tiRlie a waiver of any riaht 01' nettOIl Borrower miGht have ari$ing o

of such ovorcharge. 

IS, Notices. AU nOhceS given by Borrower or Lender in cOllUcction Wiell IIlis Security Instrume

lRust bl: in writing. Any notice lO Borrower 111 connection with d,is Security In~trumelll shall bD deemed 

huv. """n given to Borrow.r whell mailed by li"'t class mail or whtn oClDally delivered to Borrowe

notice uddres8 ir sem by other lIlean~. Notice to any olle Borrower shall COdRtitute nolice to all Borrowe

ulde •• Applicable Law e.pre.,ly require. odlerwi ... Th. 1I0tice addre .. , sh.1I be die Prope.,y Add ..

unl ... Borrower b.s desilllwted u .ub.tilUle lIodce address by lIolice to Lender Borrower shall prompl

notify MInder of Borrower'. challge of addre •• , If Lender .peeIHe. a procedure for repllrcing Borrowe

ch.ng. of address, dlell Borrower s1lall only report •• "ullg. of address through thaI .pecifled procedu

There nwy be only one design,ned notice addre8.~ under ddN Security In,'~trunllmt Ul lilly olle tiEne. A

IImiee lU Lender shall be given by delivering it or by matHl1G it by tirs;t cluss mail to Lender's Ilddre

Slated herein unlesjI; Lender halt designated another address by notice to Borrower. Any notice 

connectiOIl with dliy Security Instrurnent shal1 nOI be deemed 10 hllve be:en given 10 Lender until aClua

receIVed by Lend.r If any 1I00ce required by d", Security III,trulllellt IS al.o required under Applicab

Luw9 the Applicable Luw requirement will sath:ty die correMponding requirement under dds Secur

Instrumenl. 

072994243

C£ .6fCAI 10207101 Form 3005 1/
16. Governing Law; Severabllily; Rules of Construcllon, TIIi~ Securhy InslrUIIlOIl! sh.JI 

IIOvenllld by federal low lind dIe low 01 lb. Jumdlcdon in WhIch dIe Propeny i. locoted. All righ .. an

ubllyotions cOlllailled III dli. Security Instrument .re ~ubj.ct 10 any n:qulremen .. and Iimilatlons 

Applicoble Law. Apphcoble Low miyhle'pllcitly or implicitly allow Ch. parties to agree by contraCI or 

might bo ,110111, bUI sueb silence sh.lI nnt be construed as a prohibition ayalllst aureemo," by contract. 

dIe eve'" dlat allY provisioll or clause of dlis Security Instrullle," or dIe NOle contlie .. wllb Appilc.b

Low. such connict sllull nOI offect oCher proviSIon, of d.i. Security i1l'lrument or dIe Note which con 

given effect wiChoulthe conftictillll proviSIon. A •• ,ed in lid. Security In"rumolll' (0) words of dIe ",a",uline gender shall mean and inclu

corresponding lIe.ler words or words of dIe feminine gender: (b) words ill Che .ingular shan nlOHn H

include dIe plur.1 .nd vice verSil: and (0) dIe word ""'HY" giveN sole discrellon wiChonl .ny obligHdon 

take any H(.lion. 

17. DOlTower's Copy, Borrowu ,hall be given one copy of die NOIe .nd of thi. Security In.lnnnell

18. Transf.r of Ihe propeny or a Benenelnl Interest in Borrower. A. used ill Chi. Section 1

. tlmerest in die Pmpro:=fty" lIleans 811Y legal or beJloficiol Inwrest in the Pmpert1, includlng. bUlnot limit

10, tJI05C bom::tiC'ial intetes.tN trlUlNtctrred in H bnnd for deed. contract for deed. inshillmont saJefi contract 

I;Rcrow agreement, the inlent of which is th" trpnsfer of dtle by Borrower at it future date to Ii purchu~r. 

If .n or any pari of dIe Proporly or allY Interest ill Ihe Properly IS !'Old or tral.,ferred (or if Borrow

it: lIot a llaUlral person and a beneflcial infer-esl ill 8[Jrrowcr ;1 soJd or trallsferred) with our Lender'~ pri

wrilten co""em. Lender m"y require inunedlale paymo"l in 1\011 of .n gU"'. secured by thIS Securi

IlISlru .. e"l. However, Chi. oplion 'hall nol be ... reised by Le"d.r II such eH.rei,. IS probibited b

Applicoble Low, It" Lender ~xerci~es dli~ OptiOIl. Lender $hitll give Borrower notICe of Hcce)cratlOIl. The notice shu

provide a period or nol less dlan 30 days from du: Ita,,,, tJ." notice is givc" ill accomulicc wid. SecUOIl 

widltn which Borrow.r Inust pay "II sun" ."cured by d,;, SecurilY Insln""elll. If Borrower fujI. 10 p

Ulesc sum. prior 10 dIe .Hplradon of Chi. period. Lender may invoke any ",mcdlc, pern"Ued by Ih

Security Instrument without further notice or demand on Borrower. 

19. Bor .... wer·. RighI 10 Relnslale An.r Atteleralion. If Borrower meeL' certalll cnrldidO

Borrower shan huve the nght 10 have enforcement of this: Security lustnumUit dl~nntinued ut Bny tim

prior to Cho o.rliesl of: (a) live days bofore ""Ie of Cho Propeny pursua,,1 10 any ~ow.r of .. Ie tonlained 

dn, Securily i"SIIUlllent; (b) .'Uch oCher period a~ ApplIcable 1-IIw mlghl specllY tnr the I<",nin."oll 

Borrower's tighl 10 rei .. stale; or (c) .,llIy ot a juds .. ent ."Iorcing th" Socurity In,trumenl. Tho

conditions are dIal Borrower: (a) pays Lender all sum, which d,e .. wo.ld b. due ullder Chis Secur

1Il.~lrumelil and du: Norc ali: if no accelerlltiol1 hud occurred: (b) cureS alnY defauh of any nther covcnallCS 

a~reel11e.nt81 (c) pay.loi HII expenses incurred in enforcing this Security Instrument, including. but lIot lindt

to, reas:onable lIt4orne.ys' fees, property inspl:l.:tiun and vuluMunn fee~, and odlcr fbe$ incurred for d

purpo~. 01 proleedng Lend.r·~ illter •• 1 III dIe Property ulld righ~' under dlis SecurilY Illstrumenl; and (

illiteS such ucoon as Lender m.y re.solIHbly require 10 aSspre dlol Lender's i,.eresl in lb. Propeny .n

rightN under thiS Security Inslrument, and Borrower's obligation to pay die sums secured by dlig Securi

InRlnllllc"" shnll continue unchanged. Leudl!r Ilwy require dlat Borrower pay such relllstntcmcut 8um~ a

"pense, in o"e or 1II0re of dIe follOwlt'll form •• as selecled by 1-IInder: (a) ca.h: (b) mOlley order: 

certified cbeck. bank check, uea~ure.r'$ cJJcck or cashierlt: check, provided any such check is drawn up

all h"liturion whose deposits are in.ured by 0 tederdloyellcy, in"rumentalilY or .noty; or (d) Blectron

Funds Tro""fer. Upon reitlSlalelllem by Borrower. thi. Securily ".,trulllenla .. d obUgHtion, secu",d here

,10.11 rellloin fully effecdve as If 110 acceleradon had occurred. Howe.er, Chis righl 10 reinstale .holl 1

apply in the ca ... of oocelor.don under Section 18. 

20. Sale of Nole: Change of Luan Ser.ioer: Noliee of Grievance, The NOle or a parti.1 interest 

th. Note (Iogedl.r widl dll, Seeurily III,lIunlonl) con be sold on. or more time, widlO"1 prior nOlice 

Borrower. A sale 111igln reNult in " chuuge in dlt Utility (known Itt: dID "Loan Servicer") dUH collec

Periodic P-dYIllCnlS due under Ih6 Note: dud this SecurUy In~trumo.nt and performs OIlier morlg~e lo

semclI'll obligations under die Note, dols SecurilY 1IIIItom'lII. and Applicable Law. Tho", also nlighl 

Olle or Inore changes of th~ Lolm Servicer unrelated to a sale of the NOle. If «here is a chllnce of tilt: Lo

St:rvlcer, Borrower will be given written notice of the I.:lutu.ge wllich will 8Utte Che name Dud address of t

new Loall Scrvicerl the address to winch pllymellt.~ should be made und any other information RBSP

CIr& ,SICA) 102(17101 PIIIII,110116 '~ 072994243

Fo,m 3005 1/

09-4
r.:qulreR In cOlUleclion willt • nodce of trall~rer ot .ervicing. If the Noto i~ sold and dlercuflcr tho Loan 

,;ervlced by a Lolin Servicer odlcr dum the purchaser (If dle Note, die 111on,Hge lOAn servicing oblipdon

10 Borrower will rem.in widl die Loun Servicer or be I .. nsf.rrod to a suct.ssor Loan Servic.r and are n

assumed by die Note purcha .. r ulIl .. , olltorwise provided by lite Note purchaser. 

Neither 8nrrower lIor Lender may commence, join, or be jolnt!d 10 any judicial action (UR eilher a

individual IIl1ganl or die member of • doss) dl" anse$ from d.e other pHrly's oelions pursuanl to thI

S.curlty IolSlruolont or dlHlollcgo. thai d.o ollter pany h., br •• ched any provision of. or any duty owed b

reaSOn of, thi' Securily Imltrunlenl. until such Borrowel or Lender haR notified the other pHrly (Wid. suc

notice eivon in oompHa"'" wid. the requil1ntlCnUO of Section 15) of such aUeged bleach and alron/ed d

other party ~.relO • le.sollabl. period aft.r the B.ving of Ruch notice 10 lalre corrective aclion. 

Applicable Luw plovlde, a um. period which mu't .Iapse befure .. naill acdon can be ralren. dlat di

period will be deellied to be reaNOnable fllr purpo!leN of this parllgnph Tile notice of acceleration an

opportuuity to cure Bivon (0 Borrower pursuant to Section 22 and the nobce or 1t(,:celerijUoll glvtn t

Dorrower purs.ullt 10 SectiOIl 18 .haU "" d •• mod 10 .atisfy d.e 1I0tiO. a"d opportullity 10 Ilike correctiv

actloll provisioll~ of chiR Section 20. 

11, Hazardo.s SubstRnces. A •• sed ill this Section 21: (a) "Ho",dous Sub,tances" lire dIU 

subsbtnces defined HR tOXIC or bZlzttrdous tlub..'U8IlCeS, pllllutanL~. or waNtt)) by ElIviroJllllentul Lttw Hnd th

fonowing 8ub!UII1Ces: gasoline, kerosene. olher tlalnlllubJe or toxic petroleum products, (oxic pesticid

and "erbl(:ld.,~, volatile solvenLII;, materlalj; contlnlling H.!lbt:stDS or fonudld&:hyde, and radioat:uve mlllcnul

(b) "Bnvimn"""tal Law· 1Il0au, fodel.IIHw, alullaws 01 d.e JUlisdlolion where the Property i. localed dl

relsle to heald" flafety or environmcmal protecliolli (c) "EnvirolUnenli.1 Cleanup" int:ludes any r6spon.

action, remedilll action. or rell10val ueliou. 11.'; defined ill EuvjrolUnenli.1 Law; al~d (d) HII "EnvirolUnenu

CouthtlOn" IIIcalL~ a condluon d.at can tause, contribu~ to, or otherwise trigger 1111 Euviroluncnt

Cleanup. 

Burrower lilndl lIul CKUse or permit the presence, Dire, disposal, )'(ora8", or releatoe of any HMa:ardo

Sub,·e ....... or IhleHIc" 10 relea .. allY HaUldou~ Substallces. on or in dI. Prop.ny. Borrower ShHU"ol d

1I0r allow anyolle el80 10 do. aoylitiuB atfectlng Ihe Property (a) dlatis in violation of any Bnvironment

Law. (b) which creu .. s an Environmental Condldoll. or (c) which. du.lo die pre.onoo, u ... or rei •••• o

Hazaldous Substanco, cr ...... condition d.al adv.,..ly alfeclS the voluc of d •• Propeny. The precedil

(WO fi~ntellce8 rohlU lIot apply 10 du~ preseuce, use, or ~lOr"8e on the Property of slIIuli quanthies 

Hazardou~ Substances that IIrc generQlly rccoglllzud. to be Hpproprh&te to normal resldentidl uses and 

Rluinttnwncr: of the Propt:rty (including, but Ilut IhniCed to, hdzardous substances in tOlL~um~r produclS). 

Borrower s.hall promptly give lender written notice of (It) ally investigation, clahn, demand, lawsu

or OUter actioll by dny governllll:lUal or regulatory HUtoe)' or private party involving die Properl)' und al

Haza.rdou~ Sub~Cam:e or Bnvirunm~nUtI LKW of which Borrower has HCtuKI knowled.gc, (b) an

Envirmunenml Conditio'i. including but not limiled 10, HAy spilling, leaking, digchurUlJ, releHRe or threHt 

lel.a,. of ."y Hazan/ou, Subslli ... e, and (e) any conditiun cuuscd by dlo pr.sence, use or release 01 

Hazan/ou, Substance wlu~ .dvelsely alfecls d.e val". of th. Propeny. If Borrow.r I.u" ... 01 is notine

by Rlly governnlenlal or regulatory authority, or Imy private party, (hKt any removal or other remediatio

of any H ... n/ou~ Sub.tance alTectins the Proporty is nece .. ,u'1. Borrowcl ,hall promptly Illke .11 ,,,ce,,,.

remedial actiDOI! in H,,'CordHllce with Envimnmenlal Law. Nothing herth. shan creiue any obligation 0

Lender tor an Ellv)fonmenliti Cleanup. 

072994243

~ -oecAI 10JO'UOI PAgll 120r'~ Form 3005 11

09-41
NON·UNlfORM COVBNANTS. Borrower and Lend .. furU •• r covenant and IIllree as follows: 

ZZ. Actel.rollon; Rem.dles. Lend.r sh.ll give nollce to Borrower prior to •• celerallon follow

Borrower·. bl"elt.h of Any tovennnt or Agr .. m.nt In thl. Seourlty Instrument (but not prior 

A"""erAlion und.r Secllon 18 unle .. Appllcnble LIIw provides otherwise). The notice shollspeclry. 

.he defoull; (b) the Rcllon required '0 cure the d.fau"; (c) 0 dale. no.'ess than 30 dAY' from the d

Ihe nollce I. given 10 Borrower. by which .he default mu.t be cured; And (d) .hot rallure 10 cure 

defAult on 0, before the dAle speclned In the nollce mAY result In Acceleration of Ihe sums secured 

Ihls Security In .. rument and SAle of the Property. The nollce sholl further inform Borrower of 

rlghl to relnslale aller AceelerAllon ond the right 10 bring A court Acdon to .... rt Ihe non·exl.lence 

a default or nny olher defense of Borrower 10 accel.r.tlon Rnd .. I •• If Ihe d .... ull Is nol cured on 

before the dote spedn.d In the notl.e, Lender allis opllon may ... qulre ImmedlAle poymenlln full 

All sums se.ured by Ihls Securlly Instrument wllhout further demand And may Invoke th. power 

.ole and any olher remedl .. permitted by AppllcAbl. Low. Lender shall be entitled to tollee. 

expens .. lncurred In pursuing the remedies provided In Ihls Seellon ZZ. Including, bul nol IImlled 

rea.onable attorneys' fees and .oslo of IIIle .. Idence. 

If Lender Invokeslhe power of SAle. Lender shnll execule Or cause Trustee 10 execute A writ

nodce of Ih. OCturrence 0' an event of deraul! nnd of Lender's eleotlon 10 cau •• Ihe Property 10 

sold. Truslee shnll CRU .. this nollce 10 b. recorded In eath counly In which any pnrt of the Prope

Is 10CRI.d. Lender or Trustee shall "",11 eopies of the nollce as presmbed by Applicable Law 

Borrower and 10 Ihe olher persons prescribed by AppliCAble LIIw. Tru .... sholi give public DOllce 

",Ie 10 Ihe persons and In Ihe manner prescribed by Appllcnble LIIw. Aller the time required 

Applicable lnw. Tru ..... wllhout demAnd on Borrower. sholl sell Ih. Property at public aucllon 

more 

Ihe highest bidder at th. time and place Rnd under the terms deslgnnled In the notice of ",Ie In on. 

par.el$ And In any order Truslee delermlnes. Truslee "",y poslpone sole 0' all or any parcel 

Ihe Propeny by public announcemenl at Ih. Ume and pia .. of Any previously scheduled .ale. Lend

or lIS deslgn,e may purcho .. the Properly ntany SIIle. 

Truslee shall deliver to Ihe purchASer Truslee's deed conveying Ihe Property wllhout A

covenanl or warrAnly. expressed or Implied. The recitals In Ihe Trust .. •• d .. d .han be prlIM fo

evidence of Ih. Irulh of Ih. BlntemenlS made Ihereln. TruSlee shan Apply Ihe proceeds of th. sale 

Ihe followln8 order: (H) 10 all expenses of Ihe sal .. IndlldlR8. but noillmited 10. re .... nable Trost.e

Hnd attorneys' fees; (b) 10 nil sums secured by Ihls Security Instrumenh and (c) any excess to I

person or persons legHlly enlltled 10 It. 

Z3. Re..,nveyonce. Upon pUYllle/l1 of oil Sum, socured by dlis Securily Instrumenl. Lellder sh

request Trustee to reconvey the Property Iwd Nhyll surrender this Security Instrument and HU not

t:videllch'H debt secured by this Security In~lrumelit to Trustee. Trul'ltee IIhali reconvey die Proper

without wanunty to die pcroon or pcrsolUl Jeg311y entitled to it. Lender lIlay charge such persoll or perso

• reasonabl. re. lor r."""veying Ibe Prop.rty, bUI only ir d.e ,"e. i. paid 10 a dlird party (such as d

Trulltc::e) for services rt:ndered Hnd the chllre:ing of the feD is perutiued under ApplicRble Law If Ute f

charged does 1101 exceed UI. ree ''''1 by Applicable LHw. Ibe ree "collclu.iv.ly presumed 10 be rea.olmbl 

Z4. Sub"llu'. Truslee. Lender. al its optio", moy from lillie 10 time appoint" <uL": ... or IIlI,tee 

8/1y Trustee appointed h.",ulldor by a" ill.trl1l11olll e.eculed and acknowledged by Lender a/ld recorded 

Ibe "IIicc of d.c Recorder 01 d.c couilly in which d.e Property i, 100alO<1. The imllrumelll.hall """ll1ln d 

lIamc of d.c original Lender, TllI,tee und Borrower. d.e book alld page where Ibi. Seculily ""ltumenl 

recorded Bnd d.e .. me a"d address 01 Ibe succ.ssor IIlI"ee. Wid.oul cOllveya"ce or dIe ProperlY. d 

successor 

Applicable 

tl1l{o;ooe lillall succeed to all the tid", powers Mud dutieN conferred upon the Trustee h~rejn lind b

l.aw. Thl. pr",:edu", for sub,dlu.lon of truslee .hon govern 10 the exclu'lOn 0' all oth

provhdons.for subslitution. 

Z5. Stotemenl of Obllgallon Fee. Lender IIIOY coUecl • ree nol 10 exceed d.e IIwxnllUIII OUlou

pennlllO<1 

Civil by Applicable LHw tor furnishing ~Ie ,Wlemenl of oblisation as prov.ded by Section .943 of d 

Code 01 California. 

P'"90 13,,'I~ ""~ 072994243

CIt-OleAI rOZ07tOI Fonn 3006 110
BY SIGNING BELOW. Borrower a.cop .. alld agr",," 10 dIe lerlll~ and covenanls conlBlued in I

Security IllRtrulllent aud in o~y Rider executed by Borrower and recorded wilh it. 

WiUJesse!t: 

- ___________ (Seal) 

-&rrower 

-----------_ (Seal) ·Douowtt 

____________ (Seal) 

-Dol'I'uwur. 

____________ (S •

-Botrow

____________ (S.a

-Bormw

____________ (S.o

-Dorrow

____________ (Se.

·80trowC

0729942433 

4Il.91CAII0207101 Pego,4ofl6 Form 3005 1/0
State of California 

County of S(Lt ..-............. -\.:. } ~. 

befon:llle. (\;~ Ot...\:1 .... 0..... "I:)o\-c....r,<!) 

P.,,"'IHUy Hppe.r

~ 

• perKoruolly known 10 m

(or proved 10 Ole on Ute t..,i~ of sad.laelOry evidenc.) to b. tlle'personCs) wh .... ..!!!!!l!.O(s) i,f.re subscrib

10 dl. within in'truntellt and acknowledged Ut me d,at hefshelthey •• ecuted the .. ,,'" in IIi,IIler/th

authorized c~). alld that by hl"'her/thelr SlgllltlUn:C') 011 dIe instrum.1Il dIe ~Cs) nr iheeiiti

upon bell.lf of which Ule t!!ltSUlW acted';Oxecuted dIe inSirumelll. 

WITNESS my hand alld oflici.ls.al. 

PoIg"'Hiol15 """~ 072994243

C!IIl.tUCAt 10207101 'Drm 3006 11

09-4
Exhibit "A" 

Legal Oeser/ptl,," 

Lol 259 as shown on the official "Plat of South Curtis Oaks Subdivision No.6", Died in Ihe office 

the Counly Recorder of Secramenlo County, February 10, 1927 In Book 19 of Maps, Map No. 18 

Apn: 013-0363-001 
FIXED/ADJUSTABLE RATE RIDER 

THIS PIXED/ADJUSTABLE RATE RIDER is made onlhi~ 4th doyof January 

2007 , and I. Incorporated 11110 and IrtIHIl be deemed to-amend .,Id 8Upple",enl die Morlg.g

Deed of Tru~1 or Security Deed (die "Security hl.lllI",onl") of die •• me date given by ~I. un4ersigll

("BorroWer") to "CUIll Borrower's Pi~ed/Aclju.table Rate NOle (die "Note") 10 Washington Mutual 

Bank 

(,'Lender") 01" die 'a",e date and covering Ibe property de""ribed ill dIe SecurilY In",umellt and localed 

3622 Wast Curtis Drivo. Socramonto. CA 95818 

THE NOTE CONTAINS PROVISIONS ALLOWING FOR A CHANGE FROM THE 

INITIAL FIXED INTEREST RATE TO AN AOJUSTAIILE INTEREST RATE AND 

FOR CHANGES IN THE MONTHLY PAYMENT. THE NOTE LIMITS THE 

AMOUNT 1I0RROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME 

AND THE MAXIMUM RATE BORROWER MUST PAY. 

ADDITIONAL COVENANTS. In addition to die CO.eIIHIlt, and agreements made io ~Ie Secur

Inl1lnllluml. Borrowc:r and ~ndcr further covenant Klld :t,g.rec as thllows: 

A. INTEREST RATE AND MONTHLY PA ¥MENT CHANGES 

Th. NOle provide. lor an iniliailixed interesl role 01' 8.800 % The NO

provklex tor it ChHlIg~ in the initial tilted interc.."lt rate to so adju~lBble intercNl rote IUld for changes til 

monthly paynICIl18, as tollows: 

4, INTEREST RATE AND MONTIlLY PA YMENT CHANGES 

(Al Chonge Dotes 

The illitlal fixed interesl rdte Borrower will pay will challg. to all adJusllIble intoreS! ral. on dIe fi

day 01 February. 2009 , and dl< illl.resl rate Borrower will puy "'ay chan

on dial day every 6th month dler~atter, Each date 011 which Borrower's iuterest rate .:o

change is called a "Chang. Dale ... 

(8) TI,. Ind •• 

B1"81111111lY, wldl the tirs, Onmge Dale, Borrower's iutere8t rolc will be bitt-oed oUlm Index The "Inde

iN the tlvc:ragu ot interbank offered ntles fur Iltx ntUlIlh U.S. dollar--dcmomllll:lled deposhN in the Lond

lIIarket ("L1BOR") •• s published in The WAil SIreel JournAl. The most reconllnd •• I1golll Hv.il.ble •• 

Ih. date 45 day. before d,. Chanse Dat. i •• alled Ih. "Current index." 

Flxttd/Adjultebla Rate JUde, • Llbor 07299424

4140623 (050S) Page 1 of 3 
II' U,e Index i. no longer .v.dabl., the NOlo Holder will choo •• 0 'lOW indo. that i. b'!led up

(.ompusble ilifornull1on The Note HOlder will give Borrower notice of this choice. 

(C) Calculallon of Changes 

Before each Chonge Dote, the Note Holder will c810u/aCe Borrower's new intere., r.,e by .ddlng 

Four and 99/100 percent8ge poinIH ( 4.990 

10 d,e Curremlndex. The NOI. Holder wlllth.n round d,e resull of dlis addition '0 dt. nea",81 olle-eig

of one percenlHU. poilll (0.125%). SUbjeCllO d,e lilllilS sUlled in Section 4(0) below, d,i. rounded .mo

will ~ Borruwcr'8 new interest rate until dIe next aUIIIDe Date. Th. Nole Holder will d,en determine d,. 811,ount of d,e ntDnthly payment dtHl would be sufficient 

repuy d,e ullpoid prineipol dlOl Borrower I. expected 10 owe .1 the Chonae Date in full Olt the MOlu

Dole 8t Burrower', new inter .. 1 role ilt subswlltially equal paYlllen"'. The result of U,is colculatlnn will 

the new OIllOUIII of Borrower'. ntond,ly paYlnent. 

(0) Limits on Interesl Rale Changes 

Th. inlerest rate Borroweris reqUired 10 pay ot die first Chong. Dille willnol be sreuter d,o" 10.800

or le.. ,than 8.800%. Thereatler, Borrower's illl~resl ra'" Will lIever b. incre ... d or de<:reased on 

single C/IHlIge I>dce by 1U0re d,onOn. percenhlge pUhll(S) ( 1.000%) from die r

of interest Borrower hat; been paYIllN for the precwing 1Il0nthN. Borrower~" hllerest rBce will u.::vcr 

greo.er dlall 14.800" or Ie .. dl8n 8.800 %. 

(E) Effective Date of Chonge. 

Borrower'~ new inttreSI rate will become etlcctive on eaGh Change Dale. Borrower will pay die amo

ot Burrower"s new 1I11Ul~lIy puyanelll bf;.giuning on the tina monlhly payment dale after dn~ Oumge D

until die BII1DUnl of Borrower's lIJonddy pH)'m~m clumgcs again 

(F) Notice of ChRnges 

The Note Holder will deliver or nUlii to Borrower It nobce of all}, chllnges III Borrower's interest r

and the Uillount of Bonower"$ monthly PHYlllcnt before tbe effective date of ally clulIlge. Tho nodc:e w

hlclude inforlll8"oll required by low 10 be given to d.o Borrower and oh,o the title 8nd telephone number 

a person wIlD will answer any qutt"rion Borrwer fIIay 'lave regardiJlg the notice. 

B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWllR Covenant 18 or the Security "ll1itrumtnt hi Hnlended to read UN follow$: 

(Al Until Borrower's illllli.1 lixed inl~"'~t .. te chullses to an adjustable interest tale under d.e leml. stH

in S~otion A ubove. CovelwllI 18 of d.e Secunty In~trum.lIt provide. as follow.: 

Trullsfer 01 d,e Property or. Belleficl,llnterost ill Borrower. frail or uny pun ofU.o Property or 

illterest ill d,e Property i, .. Id or Ir8m,rerrod (or if Borrower Is not a nalur,1 person ulld a bellotlc

il1lerel1t in Borrower is ~old Or U'llnsterred) Without Lender's prior weiuen COl .. ~ent, Lender may requ

Imlllediate paylllell. in full of oil SUIll' secured by dti, Security Instrument. However, dtis option ,1.111 

be .xerci,.d by Lender if such exerci.e I. prohibited Applicable Lew. 

If Lellder CKtrcises 1I1i$ option. lA:nd~r shall give Borrower n()tice ot' acceleration. The notice sh

provide 1£ period of Imt less dlHIl 30 dil}'8 trom the dille the notice IS Given in HccordHllce with Sccnon 

widdn which Borrower must pay all sun'S set-ueed by this Security Instrument. If Borrowt:r tails 10 

these sums prlDf to dIe expiration of lhu;; permd, Lender Illay lIlyoke Hlly remedies permitted by 

Security Instrument without funhe-r nDtice or dCUlIU1d nil Borrow!;.r. 

Fhc,edfAdju".ble Alita Rider ~ Llbo, 07299424

4140G~3 (OSD'I Pa9fj 2 of 3 
(8) Who" Borrower's minulli •• d interesl rate "hangeN 10 an alijuslJlble imereO! rate u"der lb. terms SIU

III Section A abo •• , Covenont 18 of dIe Seourlty hmrulllelll.1lall d,oll instead prov,de us follows: 

Transfer of Ih. Properly or n Benen.lal Inlorelll In Borrower, As u.ed ill dtl. Seclioll 18, "Illte

ill lb. Property" means any leyal or belleOcial illte"'st In dIe Property, bleludit'll, but'Hltlimlted '0, rh

bell.Oclol illte ... "s trallsferred ill a bolld for d.ed, COII"oct for deed, ilmall.nenl SIlle. cOlltra.t or escr

agreelllent. Ibe intelll of which is d.e trallsfer of tide by Borrowe, ala future date til a pureh ... r, If ull 

.IlY pari of the Properly 0, .IlY itlleresl In d,e Properly is sold or tra,,,lerred (or if Borrower is no

... tural pel'llon alld a bOllefieial interest III Borrower i. sold or Iranslerred) widlOUI Lender's prIor wriU

0011""111, Lender Il .. y require i,nmediute paymenl in full of .11 SUUlS secured by d,i. Security Instrume

However, Ibl. option 'hall n.t b. exercised by Lender if sud, OKerei •• is prohibit.d by Applicable Lu

l.ellder al.o shall 1I0t ••• ",i •• dtls OpllOIl if: (a) Burruwer CRUseR '0 be sublllilled ,0 Lellde, illiormat

r~quin:d by Lender to evuluate 'he intended lrunsferee HS ir 8 new IOlln were being lIIud!: to the tramft:r

and (b) I.olldor ... sUI .. bly dete,mmes dlHt Lender', secumy w,lI nol b. nllp.ired by dte loan ••• umpt

.nd thaI the risk 01 a breaclt 01' .IIY "ovo'''". or agreeme"t in dtl. Seeuri.y hmrument is ace.p.uble 

Lender 

r. dIe ex"llI penllilled by Applicable l.!!w. Lende r m.y charge. r •••• nobl. fee a •• condition 

Lender's tQllSCm 10 the loan US8umptn)U, Lend!:r IIlgo may require the transferee to 81811 1111 aSfiumpd

agreement that i •• ceeplHbl. '0 Lender and dlUI obhgRte. dt. Ir.'lSt .... '0 keep .11 the promi.es a

agreemenllO n .. de in rhe Note and in duo Security """umem. Borrow.r will continuo", b •• bllgated un

tlte Note and dais Security hL'\IJ'Ulllcnt u'lletl;~ Lender relea$~s Borrower In wrhing. 

Ir Lender exerchres die option to require illunediuce pllynumt in full, Lender shall give Borrower IlDt

of acceleration. The notice shull provide a period or not less: L1rAn 30 duy8 fwm du: date the notil;C i~ giv

in """ordanc. widl Sectiou IS within willelt Borrnwer must pay all sum' .... ured by dtl, Seeur

Instrulnent, It' Borrower "'dUS to pay the~e ~UIUS prior to the expmMloll of dJis period. Lender lIlay invo

uny rem~I"'8 pcrnutwd by d1l8 Security Instrument widlOUl further nouce or demand 011 Borrower. 

BY SIGNING BELOW. Borrower acceplS Mud ttgrees to me terms and f.;ovenants f.;olllaincd ill dl

PtxedIAdju, .. ble Rale Rider. ~ 

~~ ,!:

_______________ (Seu

~Dorrow

______________ (5oa

~Botn)w

--_____________ (S •• 

·DDrrow

ISlgn Original O'"y

Fu,,~d/AdluIt8bJe Rate Rider, I.Ibor 0729942433 

4140623 (05091 PDgO 3 of 3 

09-4
EXHIBITB 
Jun 09 08 1056. owner 

RECORDING REIi.'l!E~ ey CALIFORNIA RElfoNIJEVANCE COMPANY 

AND WHEN RECORDED MAIL TO 

CALIFORNIA RECONVEYANCE COMPANY 

9200 O.kd.l, Avenue 

Mall stop: N tt 0612 

Ch .... worth. CA 91311 

800882-8902 • 

18181776.2258 (Fax, 

305-657·1513 

1IIIIIIIIIIIIIIIIIIIIIgIIIII ~IIIIIIIIIIIIIII SacuMenlo Colnty Recording CralQ A Kraner, ClerkfRecorder 

BDDJ{ 20071214 PAGE 0358 Check taur=er .1"9 

Fr .. Ia ... DEC 14. 2081 8,41'18 AM lU Pd $12 901 Nbr-e06S192112 

rnH174/1·2 

Trustee 8ale No. 723387CA Loan No. 0728942433 Tille Order No. M7218B4 

IMPORTANT NOTICE 

NOTICE OF DEFAULT AND ELECTION TO SELL UNDER DEED OF TRU

IF YOUR PBOPERTX IS IN FORECLOSURE BECAUSE YOU ARE BEH

YOUR PAYMENTS. IT May BE SOLD WITHOUT ANY COURT ACTION, and 

hllve the lega' right to bring your account in good alandlng by PRying all of your 

payments plus permitted costa and oxponsos within ths time permitted by 

reinstatement of your account, which Ie normally five business days prior to the dat

the salo of your property. No eale date may be SBt unlll three month. from the date th

of default may be recorded (which date of recordation appeats on this noticel. 

This amount Is $18,356AO 8S of Oecember 13, 2007 and will increase until your 

beoomos Ollrrel'lt. 

While your property Is in foreclosure, you still must pay other obligations (such 8S In

and texasl required by your note and deed of trust or mortgage. If you fall to mak

payments on tile loan, pay taxes on the property, provide insurance on the property

other obligations as required in the note and deed of trust or mortgage, the benef

mortgagee may insi8t.that y<>u do so in order 10 relnstata your account In good stan

addition. tile beneficiary or mortgagee may require as a condition to relnetatement 

provide relieble written evidence that y<>u paid all senior liens. property taxes, and 

insurance premiums. 

Upon your written reque8t. the benaficiary or mortgagee will give you a written ltem

the entire amount you must pay. You may not have to pay the sntlre unpaid portion 

accoun!, e"en though full payment was demanded. but you must pay all amounts in d

the time payment is mads. However, you and your beneficiary or. mortgagee may 

agreo In writing plfor to the time the notico of sale Is posted (which may not be earfler

and of the threlMJ10nth period stated abovel to, among other things. (1) provldo a

tlmo In which to cure tI1B default by transf9r of the property or otherwise; or (2) es

schedule or payments in order to eure your default; or both (1) and (2). 

Following the expiratiOn of the time period referred to In the first paragraph of this not

unless the Obligation being foreclosed upon or a separate written agreement botween 

your creditor permits a longsr period, you haye only ilia legal right to stop tha sale of p

by paying the entire amount demanded by your creditor. 

Desct.1pbon: SaOr&Donto,aA DoC\llll6J1t: - Book.Page 20071214.358 PiIge': 1 of 2 

Order: 1 COJlUn9nt': 
Jun 09 08 10 56. owner 305-667-1513 p

.. _ •• ,' • t 

Trostoe S.lo No. 723397CA Loan No. 0729942433 Tille Ordor No. M721884 

To f1n(J out the amount you must pay, or to arrange for payment to stop the foreclos

your property Is In foreclosure for any other reason, contact: WASHINGTON MUTUA

FA at 1301 BAYMEADOWS WAY, JACKSONVILLE, FL 32256, (Sn) 926-8937. 

If you have any questions, you should contaet a lawyer or the govemmental agenc

may have Insured your loan. Notwithstanding the fact that your property is in foreelos

may orter your property for sale, provided the aale Is con eluded prior 10 the conclusio

foreclosure. 

REMEMBER. YOU MAY LOSE LEGAL RIGHTS IF YOU DO NOT TAKE P

ACTION. NonCE IS HEREBY GIVEN THAT: CALIFORNIA RECOMVEYANCE COMPAN

duly appointed Trusme under a Dead of TRlst damd 01/0412007, executed by 

RICHARDSON, AN UNMARRIED WOMAN, eB trustor, to secure obligatlonB In 

WASHINGTON MUTUAL BANK, a8 Beneflclary Rllcorded 01110/2007, Book 2007011

1818, InslrllmBnt of offIciel records In the Office of the Recorder of SACAAMENTO 

Calilumla, as more fully described on $aid Deed of Trust. APN: 013"()363-001 Sit

WEST CURTIS DRIVE, , SACRAMENTO, CA !l5818 Including the note(B) for the 

$535,001.00 that the \)Bnanch,1 InlDl'8st under said Dead of Trust and the obllgatlona 

thereby are presently held by the benefielary; that a breach of, and default in, tha ob

for which said Deed of Trust Is security has occurred in that the psyment haa not be

of; THE 08/01/2007 INSTAL.LMEN'f OF PRINCIPAL AND INTEREST AND ALL SUBS

MONTHLY INSTALLMENTS OF ,"RINeIPAL AND INTEREST; PLUS ANY ADD

ACCRUED AND UNPAID AMOUNTS INCL.UDING, BUT NOT LIMn-ED TO. LATE CH

ADVANCES, IMpOUNDS, TAXES, HAZARD INSURANCE, ADMINISTRATIVE 

INSUFFICIENT AND PARTIAL RETURN CHECK FEES, STATEMENT FEES, AND OBLIG

SECURED BY PRIOR ENCUMBRANCES. 

That by reason thereof, the pre9snt baneflclary under such Deed of Trust, hss execu

dl1l1vered to said Trustee, a written Declaration and Demand for Sale, and has depos

said duly appoinmd Trustea, such Deed of Trusland all documents evidencing the ob

secured thereby, and has declared and does hereby declare all sums secured 

immediately due and payable and has elected and does hereby elect to causa t

property to be sold to satisfy the obligations secured thl1reby. 

DATE: December 13. 2007 

CAUFORNIA RECONVEYANCE COMPANY, as authorized agentfor Washington Mutua

Beneficiary, 

By: FIDEUTV NATIONAL TITLE COMPANY, authoriZed agent of CRC 

~ .¢'YlvLf(l~ CALIFORNIA RECOMV~YANCECOMPANYISA 0Il., COl~6CTOR ATTEMP'fING 10 COllECT A 

DEBT. ANV INFOR.MATION OBTA1NED WILL.B& 

IJ$EDFOR THAnURPOSE. 

MertlVn L. Aouas 

DesarJ.pt:.,ic:m: Sacraman'to,CA DooWrt&nt - Book.Pago 2Q07i214.;J51J Page: 2 (J£ 2 

Order: 1 COJIIDJQnt: 
EXHIBITC 
Jun 09 OS 1053a owner 

RECORDING REQUESTED BY CALIFORNIA RECONVEYANCE COMPANY 

AND WHEN RECORDED MAIL TO 

CALIFORNIA RECONVEYANCE COMPANY 

9200 oakdale Avenue 

Mall SloP: NIl 06 12 

Chatsworth, CA 91311 

Inull •• Salo NI!. 723397CA 

Loan No. 0729942433 

"He Order NO. M721 B84 

305-667·1513 

"'1I111I11I13'11I"'111111~1111II1111111~ Sacrallenlo CQUnt~ RecOJ'ding Craia A Kramer I ClerkfRecorder BOOiC' 20080319 PROE 0358 Chock NL.biIJ>IIr ~'1Z 

lIedneadDy. nAR le. 2008 9.1/7.&5 AH Tt) Pd $H.eB Nbr .. 8DeBU1Ui; 

JLUfI4f1·t 

SpncaeballethJsrnllar,ecord&

NOTICE OF TRUSTEE'S SALE 

YOU ARE IN DEFAULT UNDER A DeeD OF TRUST DATED 0110412007. UNLESS YOU TAJC.E ACTION TO P

YOUR PROPERlY, IT MAY IiIE SOLD AT APUBUC BALE. IF YOU NEED AN EXPLANATION OF THE NAT

THE PROCEEDINQS AGAINST YOU, YOU SHOULD CONTACT A LAWYER. 

On 04/07/2Ooe .101:30 PM. CAliFORNIA RECONVEYANCE COMPANY os lhe duly appalnled Trust

and pursuanlla DeedofTrus! Recorded 0111012007, Book 20070110. Page lBtO.lnwument, ofoffoclel r

Iha Off,ce of Ihe Record.r of SACRAMENTO Caunly, CalIfornia, executed bj/: LAURA RICHARDSON, AN UNM

WOMAN. BS Trumr, WASHINGTON MUTUAL BANK. a8 Benefielell', wlll.ell at publlnsucUon sale to Ihe hlgh •

lOr cosh. tashle(s CIIeck drawn by a stale or national bBnk. a C8shle(s che<:J( drawn by 8 _ or federal CI1!dli u

""shie(6 check drawn bV a atate or federal sevings and loan _lebon. savings assoeloUon, or savings bank sp

secllon 6102 of Ih" Flnantial Code and aulllorb:.d to do bus/ness In thIS stale sale wIll be hold by the duly a

trustee 8S shown below, of all righ~ tiUe, end In!emt conveyed 10 and now held bV lIIe trustee In Ih. h.relnafter d

property under and pursuent 10 Ihe Deed of Trust The •• Ie Will be made. but wllhout <lOVen.n! or warrenly, exp

Imphed, ~gardlng bile. possession, or encumbmncea, to pay lIIe remBlmng pnnclpel sum 01 th. nole(e) secure

OBed of Truel, Inlerost Ihereon, .BUmeled fees. chargea and expenses of the Trustee for the Iolal emount (at lh

the Inlbal pubUcatlon of !hit Notice of BBle) mesonably esbmaled 10 be set forth below. The amount mar be gme

day Of sale 

Place of Sale. AT THE MAIN ENTRANCE TO THE COUNlY COURTHOUSE, 720 9TH STREET. SACRAMENT

Legal Deaoripllon LOT 269 AS SHOWN ON THE OFFICIAL "PLAT OF SOUTH CURTIS OAKS SUBDIVISION 

FILED IN THE OFFICE OF THE COUNTY RECORDER OF SACRAMENTO COUNlY, FEBRUARY 10. 1927 

100F MAPS, MAP NO. 18 

Amount 01 unpaid balance en~ Oilier charges: 8578,384.52 (eetimaled) 

SIAI"t address enc! olher common designation of Ihe real property 3622 WEST CURTIS DRIVE 

SACRAMENTO. CA 95818 APN Number: 013'()383-001'()OOO 

The undersigned Truslee disclaIms any nabllity for any moorreclne&s of the streel address .nd ou>er 

daslgnatfon, if any, shown herein The property heretofore d_ribad Is beIng sold "as IS" 

DATE: 03.17 -200B 

CAUfOltNlA RIlCONVBYANCECOMPANY IS A DBBT 

COU_IlCTOR A TII!MPTING 1'0 COLLECT" DEBT. ANY 

INFORMATION OBTAINIlD WILL BE USED fOR THAT PURPO

Dascr1ptionr 8&cr.tulJalllto,CA DDCIDD9nt • BQo.t.Pag& 200110319.3SB Pager 1 of J 

Ordor: 2008031.9881: COIMIMC: 
EXHIBITD 
Jun 09 OB 10 54a owner 

II! 

"DSrlNI:' AND PUBLIIINIWQ 

,- , ,305-667-1513 

J'JSTEE SALE 

J~TOR PAYM

C 

RECEIPI' OF FUNDS AND INSTRUCTIONS 

T.S. 1'\0.72 S "> 17 c:../f PRIORITY NO. ~ll..C.DATE .$"':

TRUSTEE c.,,,d '-h1l'11I '"", l-€l.-b 111/.J' Y q e f".R.... c:.p • 

ADDRFSS tj7.-.(fJO d."k rI ... ~/-e /i./..-f: : -e'//tP,5 Ie.... - )'. 

CITY t:f..tr4V6 vii . STA!EaLZIP 

PHONEI'\O. 160 - 19Z - 6~'Z CONTACT fobdfoih fo~ 

CHECK NO. 

I' .... 'i?:r:r %2i 'l7 C 

NAME OF BANK I 

&411$ Glf"z tit' 

AMOUl\"'T 

9" 

$' ? ?u; ~t>O 

$_---

$_---

$_---

$_---

$_---

TOTAL OF ANY CASH RECEIVED $ ___ -&-'- __

SUCCESSFULBJD $ 3'lY'. C'~CO· (!JI TOTAL RECEIVED $ 5' r- 8'. C70

, ) 

TRANSFER TAX $ --&- AMOUNTREQUlRED $ S'''?,Y, OO

RECORDING FEES $ --&'" REf'UND AMOUNT $ '--;&

REFUNDPAYABLETO ,tf/ / It: .. " / .7 1.'1 l' RECEIVED B~-If.--=:---- BUYERS SIGNATURE ~ / ·Il .I I j! 21 BUYERSNAME llyA Yu,/K DRIVERSLICEi'\SENO.~'41"7'7"3' q 

", If t7 . 

TITLETOPROPERTYTOBEVESTEDASFOLLOWS j(4 ?Z /So7#,,-i:£";

=. Z;;Y7? . 09-412
EXHIBITE 

09-412
CASHIER'S CHECK 

...... 1I'I:h/u1r.. .iAMl!GPYOAK 

·~AI;CI[II.I'IIJDHlit9t7ti 

.t'lalO,'D. DIIO'54St cubOZ25t. 

PAYlOTH~ORDEROF "**CALIFORNIA RECONVEYANCE COMPANY-· 

""Three hundred eighty-eight thousand dollars and 01 cent"'· 

W!LL8 FARGO BANK. NA.. 411OCAPIlOLJAAU 

8"t:AA~EHTo. ClIo &Se14 FORINQuIRlE8~U (48DJ 3114-3112 

NOnCE "I'OPUflcttASEA. .. IFlHl8 NSrRUM!NTISlOIJT. 8fOI.£N ORDIiSTROVEO. VOU fAAy REQtJajfCANCELLAflDH AND Ra$StJ.AWCE.ASACONomoN TDCAHC6UA11OHAND REl8SlM.NCE!.W£U.SF#IRCOMNK,",YI~AFEEANO 

m;aUlREANIND£MNflVA.CJFU!EMENTANDaO~D 

Purchaser Copy 

SERIAL 

ACOOUtm

May0

**$38

VOJDI,:'O

NON-N
EXHIBITF 
\VJmN"llllCORDED MAIL TO, 

J.I.ED ROCK MORTGA.GE,lNC. 

MAIL "lAX 51"A.lI!lYIXNtlI lV, RED ROCK MORTGA.GE.lNC. ~600 AMl!R1ClINlUVER DRIVE NIJS 

SACRA.MJlN'ro. CA lISS64 

wt:.LLb t"At<UU HANK NA 

IIIIIIIIIUIIIDIIIIIIIIIIIIIIIII I III 

Sacre.ento CII\I\~¥ Rel:Ol'dlag Craia A Kruer ,-Clerk/Recorder ~2088.519 NO 0487 aMoll NuIIN,. 8aaa 

""""",. lIAr II, _ U,lt,4a .. TU ". $1.... 1do,-H_U:18 

_-5 ........... '. Or DTT PIIID 

f111111681t-2 

Truetee lIale No. 72331170A Loan No. 0729942433 Tide Order No M7Z1894 

TRUSTEE'S DEED UPON SALE 

APN 013-O363"()()1-O000 . T.R.A. No. 

The undersigned grantor declares: 

1) The Grantee herein lIiU..Ill!l the foreclosing benerlCiary. 

2) The amount of the unpaill debt togetharViith coslB was .................... $574,023.87 

3) The amount paid by the granllle at the trustee sale WIIS ................... $388,000.01 

4) Thlil docutnentillry trall8fer tax is ........................................................ $r.11.~S 

5) Said property Is in SACRAMENTO 

PllG

lind CALIFORNIA RECONVEYANCE COMPANY (herein called Trustee), 8S the duly ep

• Trustee or subsUluted Trustee under !he Deed of Trust hereinafter described, does hereby gr

convey, but without covenant or warranty, express or impHed, to Red Rock Mortgage, lAC. 

called Grantee), Iilll of Its righI, tillll and InleNst In Iilnd to that certain property situated in the C

SACRAMENTO, State of Cetifornhil, described as follows: LOT 259 AS SHOWN ON THE OF

"PLAT OF SOUTH CURTIS OAKS SUBOIVISION NOV. B", FILED IN THE OFFICE O

COUNTY RECORDER OF SACRAMENTO COUNTY. FEliRUARY 10, 1927 IN BOOK 19 OF 

~APNO.18 

Situs: 3822 WEST CURTIS DRIVE •• SACRAMENTO. CA 9&1118 

RECITALS: 

Tl\is conveyance is made pUlSusnt to lhe powers conferred upon Trustee by lIlat certai n D

Trust dated 01/0412007 and elC6cuted by LAURA RICHARDSON, AN UNMARRIED WOM

Trustor, and Recorded 01/10/2007, Book 20070110. Pege 1818. Instrument of official rec

SACRAMENTO, County, Callromia. and after fUlmlment of the conditions speoified in said D

Trust aulhori>:ing Ihls conveyance. 

Default ocwrred aa sel forth in a Nollce of Default and Eleelion to Sell wIllel\ was recorded 

Office of the Recorder of said County, and such default sliD existed at the time Df sale. 

All reQuirements of law regarding the mailing Df copies of notices or fhe publication of II cop

Notice of Default or the personal delivery of the copy of the Notice of Default and \he post

publication of copies of the Notice of 8 Sale have been complied With. 
.;;.. 1Q:)/.L";IlllDtJts lI:.:tl ':U.b44Llt3/' PA

riU&lee: in compliance with said Nottce of Trustee's Sale and In exercise of its powers un

Deed of Trust, sold the herein described property 9t pUbUc aucllon 011 0510712008. Grantee

the highest bidder at said sal9, became the purohaser of said property for the amount b

$388,000.01 In lawfUl money of the United Slates, or by credit bid if the Grantee was the be

of said Deed Of Trust al the time of old Trustee's 88le. 

DATE: 06109/Z008 

CALIFORNII\ RECONVEYANCE COMPANY, as Trustee 

STATE OF CALIFORNIA 

COUNTY OF lOS ANGELES 

On 

6B!8§. 

May 

who 

09,2008 

proved 

befoll! 

to me 

me, 

on 

IRMA 

the baais 

GARCIA 

of satisfactory 

TORRES, 

evidence 

"Notary Public" 

to be the 

personally 

person(e) 

appeared 

whose 

~ 

islare'iubscrlbed to tl1e Within Instrl,lment and acknowledged to me that helshalthey exec

same III hislherlthelr aUthorized capacltY(les). and that by his/her/their slgnature{s) on the Ins

the person(s). or the entity upon llehall of which the person(s) acted, executed the instrument

t certify under PENAL TV OF PERJURY under tile laws Of the Stete of California !hat the fo

paragraph Is true and correct. 

WITNESS my hand and official se&1. 

SignatUre ~ L.:::. (J ~ (Seal) 
EXHIBITG 
, . ,-

lt~OItbINO REQUESTIlD BY 

CALIFORNIA RECONVEYANCE COMPANY 

~ ..... 't :. sac}~~l~'~~~l~~!~~~'~"II~"I'III'11I Frederick B, Garcia..!. Clerk'Recorder 

BOOK 200806,,2 PAGE 0885 Check Nullb.r 3B9288 

AND WHEN RECORDED MAIL TO 

CALIFORNIA RECONVEY ANCE COMPANY 920D Ookdal. Avenue Honday, JUN 02. 2ees U):45:44 AH 

Mail Stop: Nil 06 12 I" Pd $14.08 Nbr-ee0ll4189Z3 

Chal,wol1h, CA 91 J II MCY/82/1-2 

Trustee Sale No 723397CA Loan No 0729942433 Tille Order No M721884 

NOTICE OF RESCISSION OF TRUSTEE'S DEED UPON SALE 

ThiS Nollce 01 Rescission is made on 0513012008 with respect to the follOWing facts 

1. That CAUFORNIA RECONVEVANCE COMPANY, a California Corporation as the duly appOinted t

that certain Deed oITrust dated 01104/2007, and Recorded 01/10/2007, Book 20070110, Page 1818, Instrum

LAURA RICHARDSON, AN UNMARRIED WOMAN as trustor and WASHINGTON MUTUAL BANK as 

securing a Promissory Nole In the amount 01 $535,001 00. 

2. The Deed of Trust encumbers the real property situated In the County of SACRAMENTO, State of C

described as follows 

LOT 259 AS SHOWN ON THE OFFICIAL "PLAT OF SOUTH CURTIS OAKS SUBDIVIS

6", FILED IN THE OFFICE OF THE COUNTY RECORDER OF SACRAMENTO 

FEBRUARY 10, 1927 IN BOOK 19 OF MAPS, MAP NO. 18 

A P N, 013·0363-001-0000 

SItus, 3622 WEST CURTIS DRIVE, SACRAMENTO, CA 95818 

3 That by VIrtue of a Delault under the terms of the Deed of Trust Ihe Beneficiary did dectara a default

In a Nollce of Default and ElectIon to Sell, whIch Nollce was recorded In the Office of the County 

SACRAMENTO, CalifornIa. 

4 On 05107/2008, at 01'30 PM the property was purportedly sold to REO ROCK MORTGAGE, IN

hIghest bidder at such sale who bId the amount of $388,000.D1. ~ 

5, The Trustee's Sale on 05/07/2008 Is beIng resconded at the requesl 01 the Beneficiary, as the Be

previOUsly agreed to postpone the foreclosure sale to June 4, 2008. The Trustee's ssle of 05/07/2008 IS 

end VOid, and of no force end effect 

6 The express purpose lor this NotIce of Rasclsslon Is to return the priOrity and existence 01 all lIen h

stetus quo ante that existed prior to the Trustee's Sele 

NOW, THEREFORE, THE UNDERSIGNED HEREBY RESCINDS THE TRUSTEE'S SALE AND P

TRUSTI:E'S DEED UPON SALE AND HEREBV ADVISES ALL PERSONS,' WHOMEVER AND WH

LOCATED, THAT THE TRUSTEE'S OEED UPON SALE DATED 05109/2008, FROM CALIFORNIA RECO

COMPANY TO RED ROCK MORTGAGE, INC AND RECORDED 0511912008 IN BOOK 20080519, PAG

OFFICIAL RECORDS OF SACRAMENTO COUNlY IS HEREBV RESCINDED AND SHALL HAVE NO 

FORCE OR EFFECT WHATSOEVER 

09-412
-"" . 

IN WITNESS WHEREOF, CALIFORNIA RECONVEYANCE COMPANY, has caused its 

name and seal to be hereto affixed by its authorized signature. 

DATE. 05/2912008 

STATE OF CALIFORNIA 

COUNTY OF LOS ANGELES 

WASHINGTON MUTUAL BANK. FA 

BY /1.I;o«..A Deborah Brignac, Vice 

BY ~HL.u=ey~-~Je~~h~iu~,'vL.lc~e~p~r=e.~ld"-e=n~t-----

On $/29/08 before me, SIERRIE HERRADURA. "Notary Public" personally appeared DEBORAH BRIGNAC. HUE

COLLEEN IRIlY AND KARIME ARIAS, wllo proved 10 me on tho ba". ofsallslllttory evidence 10 belhe person(s) 

islare subscribed 10 Ihe wllhin InSlrumenl and •• knowledged 10 me Ihat II./she/lhey ex.culed Ille same in hlslherllh

c.paellY (ies), and Ihal by hlslherllhelr signature(s) on the ,"strument III. pel~on(.). or Ih. entily upon behalf of which 

aelcd. ex.culed the Instn.ment. 

'<erl.1Y under PENALTY OF PERJURY under the laws ofll.e S,a,e ofCahfomia thai ,h. foregoing paragraph is true a

~ Sign8ture.;e.=--..::.-_--' __ ~ealL 

BIERRIE HERRADURA 

COlllll11111on II 1792714 I Nolory PubliC· Coillo.nlo I 

Lo, Angelos County .. J ••••• J$'W=V"!'~2211 ,l 
EXHIBIT 20 

09-4126_

RECORDING REOUESTED BY 

CALIFORNIA RECONVEYANCE COMPANY 

AND WHEN RECORDED MAIL TO 

CALIFORNIA RECONVEYANCE COMPANY 

9200 Oakdale Avenue 

Mail Stop: CA2-4379 Chatsworth, CA 91311 

Truslee Sate No, 723397CA 

Loan No. 0729942433 

llllllllilli 111111111111111 11lI1IllllIII 111111 Sacral!nto County Recorder 

FrederIck 8. GarCia Clerk/Recorder BOOK 20090609 PAGE 0691 (to'c:k H~e,. 9328 

~~~~~av, :1~~,,~9. 2009 ~:"~~~~::J6~~1 

KNnmlH 

Title Order No. M721884 ......... -.-. .... - "'-... _- ~ 

_ ...... -.. -... _---. SpaGG ebove 11'111 i!ne for rooon:lera Ugeon1~ 

NOTICE OF RESCISSION Of Declaration of Default and Demand tor Sale 

and of Notice of Breach and Election to Cause Sale 

NOTICE IS HEREBY GIVEN: That CALlFQRNIA RECONVEyANCE COMPANY Is the duly appointed Trt.latee under the 

following descrlbad Deed of Tru31: 

TRUSTOR: LAURA RICHARDSON. AN UNMARRIED WOMAN 

BENEFICIARY: WASHINGTON MlITUAL BANK 

Recorded 01/10/2007, Book 20070110, PaQB 1818, Instrument of official records In the Office of the Recorder 01 SACRAMENTO County, California, describing the land therein: AS MORE FULLY DESCRIBED IN SAID DEED OF 

TRUST APN: 013-0383·001·0000 Situ.: 3622 WEST CURTIS DRIVE" SACRAMENTO, CA 95818 

WHEREAS: The BeneflcialY under that certain Deed of Trust hBrelnabove described, heretofore delivered to Ihe Tr(JstBe thBreunder written Declaration of Default and Demand for Sale; Bnd 

WHEREAS: Notk:e was heretofore given by the BenelicielY, 01 breach 01 the obllgallons tor which said Deed of Trust is 

security and of election to causa to be sold the property therein described, 

NOW THEREFORE: NotIce Is hereby given that the. BeneflclalY and/or the Trustee, does hereby rescind, cancel and 

withdraw said Declaration of Default and Demand for Sale and said Notice of Breach and Election to Causa Sale; It being 

uncterstood, however, that this res~j8S1on 8hll~lIWt)il1 any)~~ner pa'-'«l»"Strftd as waiving or affecting any breach or 

default past, present or !,uture, under;8~ Dee,d. 0'; llr.l!st, Qr iI~ jmp~iring §loy,ifllli or remedy thereunder, but Is, and shllIti 

be deemed to be, only·an elecllon; 't!ilhqurP1~Judlc9, noIIO.caus~ a sal~ -to."~e made pursuant to said Declaration e.nd Notice, and shall In nd .way jeopardize Qr IrripEllr any right, remedy 0(. priviklpe secured to the Beneficiary andlor the 

~~~~:r~n~n::~e!~i~~e8e~d 06e~~' T~~~·t ~~:Z,I ~~g~~:h~~::re~~~:;~b~'le~:~~:=~iB~:e~adn~6hB~~ed~~~9a~~ remain In forca the same.as if said DeclaratIon and Notice had not been madEt. and given. 

Said Notice was Recorded on 12/1412007 89 Book 20071214 , Page 358, Instrument, of official records in the Oniee of 

the Recorder of SACR.AM.E!":'JTO County, california. ".,."fa 

DATE: 06104/2009 

CALIFORNIA 

~~ 

RECONVEYANCE COMPANY, as Trustee 

KARIME ~;T SECRETARY 

09-4126_

EXHIBIT 21 

LAURA RICHARDSON 37TH DISTRICT, CALIFORNIA 

1725 LONGWORTH BUILDING 

WASHINGTON, DC 20515-0537 

(202) 225-7924 - PHONE 

(202) 225·7926- FAX 

100 WEST BROADWAY 

WEST TOWER, SUITE 600 

LONG BEACH, CA 90802 

(562) 436-3828 - PHONE 

(562) 437·6434 - Fax 

(!1ongrc,6,6 of t~c 'Inttcb ~tatc,6 

fh/ounc of iRcprcncntnttucn 

l!!iI!t!l~ingfnn. 11m 2USlS htlp:lIW'Nw.house .gov/richardson 

David Skaggs, Chainnan 

Porter J. Goss, Co-Chainnan 

Office of Congressional Ethics 

July 22,2009 

1017 Longworth House Office Building 

Washington, DC 20515 

Dear Mr. Skaggs and Mr. Goss: 

CO

TRANSP

INFR

SUBC

HIGH

A

COA

MARITIM

RAILROA

HAZAR

CO

HOMEL

SUB

ENERGY THR

AND SCIEN

EMERGENC

PREPARED

I appreciate the opportunity to provide this statement to the Board of the Office of 

Congressional Ethics. I would respectfully request in light of my ongoing cooperation 

with the Ethics Committee that the Board present no findings and defer to the Commi

The background of this matter is as follows: 

On April 15,2009, OCE took up the questions of whether I received preferential 

treatment from my lender, Washington Mutual, when it rescinded the sale of my 

Sacramento home into foreclosure; and whether I violated House financial disclosure 

rules by failing to disclose the mortgage liability on my home on financial disclosure 

fonns filed in 2008. But when the Board initiated its review in April 2009, these matte

were already before the Ethics Committee. 

Ten months earlier, in light of inaccurate stories in the press, I asked the Ethics 

Committee on June 18,2008, to confinn that I did not have to disclose my home 

mortgage liabilities on my personal financial disclosure report, so that I could elimina

the confusion and misrepresentation of the facts that had resulted from these news sto

On July 15, 2008, the Chair and Ranking Member asked for additional infonnation to 

detennine whether I should have disclosed the liabilities, and whether the rescission o

the foreclosure sale was a gift under House rules. 

I cooperated with the Committee and responded to its requests. After review, on May 

2009, the Committee affinned that I was not required to disclose the liabilities. (Exhib

A.) I continue to cooperate with the Committee and fully expect it to find that I did n

receive a prohibited gift. The evidence supports that conclusion. The lender certified 

independently to the House on July 25, 2008, and December 12, 2008, that it had not 

09-4
The Honorable David Skaggs, Chainnan 

The Honorable Peter J. Goss, Co-Chainnan 

July 22, 2009 

Page 2 

knowingly provided, requested or directed a prohibited gift to me or to any other 

Member. (Exhibit B.) And in the media, the lender indicated I received no special 

treatment, saying that it provided the same level of service to all of its customers. 

(Exhibit C.) 

When the I lOth Congress created aCE through H. Res. 895, it gave no indication that 

expected aCE to conduct duplicative, parallel investigations of matters already under 

active Ethics Committee review. It created aCE to identify new matters not before the 

Ethics Connnittee and yet worthy of review. Its charge was to conduct a preliminary 

review to detennine whether the matter merited further consideration by the Ethics 

Committee. But it did not create aCE to second-guess the Committee on matters alrea

under review. See. e.g .• 154 Congo Rec. HI525 (daily ed. Mar. 11,2008) (statement o

Rep. Hoyer) (affinning that the Office cannot "replace" the Committee; "[nJor does it 

substitute its judgment for the Ethics Committee"). The pursuit of concurrent, parallel 

investigations simply adds to the cost and the time that must be devoted to the matter. 

also creates a real risk of inconsistent factual, legal and ethical findings that would 

ultimately have to be resolved by the Committee before the matter could be concluded

I have repeatedly raised these concerns with aCE's staff, but to no avail. Because I hav

objected to this duplicative review, and have chosen instead to cooperate with the 

Committee's existing process, I have been told that my conduct may be "construed as a

admission that the allegations subject to review are true." Letter from Leo Wise (June 

2009). This is despite language in H. Res. 895 and aCE's own rules that, in fact, prohi

aCE from reaching such conclusions. See H. Res. 895, I 10th Cong., § l(c)(2)(C)(i)(II

accord Commentary, aCE Rule I. 

It is unfortunate that, despite clear infonnation provided, the Board is now being asked 

decide whether it should recommend that the Committee review a matter that is alread

awaiting conclusion. At this late stage, the most appropriate course of action would be 

present no findings and defer to the Ethics Committee. To do otherwise would 

needlessly take the ethics process in an ill-considered, new direction that was not 

anticipated or intended by the Members who created aCE. 
WaMu giving Congresswoman a break? - The Daily Breeze Page 

WaMu giving 

Congresswoman a break? 

By Gene MaddaU6 Staff Writer 

Posted: 06109/200811 :58:36 PM PDT 

The sale of Rep. laura Richardson's Sacramento home is 

being rescinded. (The Associated Press) 

The real estate broker who bought Rep. Laura 

Richardson's house at a foreclosure sale last 

month is accusing her of receiving preferential 

treatment because her lender has issued a notice 

to rescind the sale. 

James York, owner of Red Rock Mortgage, said 

he would file a lawsuit against Richardson and 

her lender, Washington Mutual, by the end ofthe 

week, and has every intention of keeping the 

house. 

http://www.dailybreeze.com/news/ci_9536078 

"I'm just amazed they've done this," York said. 

"They never would have done this for anybody 

else," 

York bought the Sacramento home at a 

foreclosure auction on May 7 for $388,000. 

Richardson had not been making payments on 

the property for nearly a year, and had also gone 

into default on her two other houses in Long 

Beach and San Pedro. 

Richardson, DMLong Beach, has said that the 

auction should never have been held, because 

she had worked out a loan modification 

agreement with her lender beforehand and had 

begun making payments. 

Richardson left nearly $9,000 in unpaid property 

taxes on the home, which she bought in January 

2007 for $535,000, shortly after being elected to 

the Assembly. 

Washington Mutual has declined to comment on 

the specifies of Richardson's case because she 

has not waived her privacy rights. 

In a statement, spokeswoman Sara Gaugl said 

the company is "committed to treating aU of our 

customers with the same level of consideration 

and fairness." 

Washington Mutual file"d a notice of rescission 

of the foreclosure sale on June 2. That puts the 

bank squarely at odds with York, who has already 

put money into cleaning up the house and 

preparing it for resale. 
LD-203 Contribution Report Page 

LOBBYING CONTRIBUTION REPORT 

Clerk of the House of Representatives .. Legislative Resource Center. B-I06 Cannon Building .. Wasrungton, DC 20

Secretary of the Senate· Office of Public Records .. 232 Hart Building .. Washington, DC 20510 

FILER TYPE AND NAME 

Type. 

• Organization • Lobbyist 

Organization Name: 

WASHINGTON MUTUAL INC. 

REpORTING PERIOD 

Year: 

2008 

• Mid-Year (January 1-June 30) 

• Year-End (July 1 - December 31) 

• Amendment 

POLITICAL ACTION COMMITTEE NAMES 

• WaMuPAC 

CoNTRIBUTIONS 

• No Conll'ihutions 

#1. 

Contribution Type; 

FECA 

Payee: 

Contributor Name: 

WaMuPAC 

Honoree: 

IDENTIFICATION NUMBERS 

House Registrant ID: 

34160 

Senate Registrant ID: 

43684 

Amount; 

$15,°00.00 

Democratic Congressional 

Campaign Committee 

Democratic Congressional Campaign Committee 

#2. 

Contribution Type; 

FECA 

Contributor Name: 

WaMuPAC 

Payee: Honoree: 

Democratic Senatorial Campaign Democratic Senatorial Campaign Committee 

Committee 

#3. 

Contribution Type: 

FECA 

Payee: 

Friends Of Barbara Boxer 

Contributor Name; 

WaMuPAC 

Honoree; 

Boxer, Barbara 

http://disclosures.house.gov/lcllcxmlrelease!200S/MM/700064482.xml 

• Amount: 

$15,000.00 

Amount: 

$1,000,00 

Date: 

1/23/20

Date: 

1/23/20

Date: 

1/23/20
LD-203 Contribution Report 

Contribution Type: 

FECA 

Payee: 

National Republican 

Congressional Committee 

#5. 

Contribution Type: 

FECA 

Payee; 

National Republican Senatorial 

Committee 

Contribution Type: 

FECA 

Payee: 

Barney Frank For Congress 

Committee 

Contribution Type: 

FECA 

Payee: 

Ed Royce For Congress 

#8. 

Contribution Type: 

FECA 

Payee: 

Friends Of Blanche Lincoln 

Contribution Type; 

FECA 

Payee: 

Friends Of Joe Baea 

#10. 

Contribution Type: 

FECA 

Payee: 

Friends Of Rahm Emanuel 

#11. 

Contribution Type: 

FECA 

Honoree: 

Contributor Name: 

WaMuPAC 

Honoree: 

National Republican Congressional Committee 

Contributor Name: 

WaMuPAC 

Honoree: , 

National Republican Senatorial Committee 

Contributor Name; 

WaMuPAC 

Honoree: 

Frank, Barney 

Contributor Name: 

WaMuPAC 

Honoree: 

Royce, Edward 

Contributor Name: 

WaMuPAC 

Honoree: 

Lincoln, Blanche 

Contributor Name: 

WaMuPAC 

Honoree; 

Baea, Joseph 

Contributor Name: 

WaMuPAC 

Honoree: 

Emanuel, Rahm 

Contributor Name: 

WaMuPAC 

http://disclosures.house.gov/lc/lcxmlrelease/2008/MM/700064482.xml 

Amount: 

$15,000.00 

Amount: 

$15,000.00 

Amount: 

$1,000.00 

Amount: 

$2,500.00 

Amount: 

$1,000.00 

Amount: 

$:2,300.00 

Amount: 

$1,000.00 

Amount: 

$1,000.00 

Page 

Date: 

1/23/20

Date; 

1/23/20

Date: 

2/19/20

Dale: 

2/19/20

Dale: 

2/19/20

Date: 

2/19/20

Date: 

2/19/20

Date: 

2/19/20

09-412
LD·203 Contribution Report Page 

Payee: 

Lautenberg For Senate 

#12. 

Contribution Type: Contributor Name: Amount: Date: FECA WaMuPAC $2,000.00 2/19/20

Payee: Honoree: Martinez For Senate Martinez,Mel 

#13. 

Contribution Type: Contributor Name: Amount: Date: FECA WaMuPAC $1,000.00 2/19/20

Payee: Honoree: Neugebauer Congressional Neugebauer, Robert 

Committee 

#14· 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000.00 2/19/20

Payee: Honoree: 

Price For Congress Price, Thomas 

#15· 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000.00 2/19/20

Payee: Honoree: Shelley Moore Capito for Capito, Shelley Moore 

Congress 

"iii. 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000.00 2/19/2

Payee: Honoree; 

'Tiberi For Congress Tiberi, Patrick 

#17. 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000.00 2/19/2

Payee: Honoree: Tim Mahoney For Florida Mahoney, Timothy 

#18. 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000.00 3/18/2

Payee: Honoree: 

Citizens To Elect ruck Larsen Larsen, Rick 

http://disclosures.house.gov/lc!lcxmlrelease/2008IMMl700064482.xml 

09·412
LD-203 Contribution Report 

#19· 

Contribution Type: 

FECA 

Payee: 

Friends Of Ginny Brown-Waite 

#20. 

Contribution Type: 

FECA 

Payee: 

Friends Of Jim Clyburn 

#21. 

Contribution Type; 

FECA 

Payee: 

Geoff Davis for Congress 

#22. 

Contribution Type: 

FECA 

Payee: 

Growth & Prosperity PAC 

#23. 

Contribution Type: 

FECA 

Payee: 

Heller For Congress 

#24· 

Contribution Type; 

FECA 

Payee: 

Jackie Speier For Congress 

#25. 

Contribution Type: 

FECA 

Payee: 

Matsui F or Congress 

#26. 

Contribution Type: 

FECA 

Payee: 

Mike Thompson For Congress 

Contributor Name: 

WaMuPAC 

Honoree: 

Brown-Waite, Virginia 

Contributor Name: 

WaMuPAC 

Honoree: 

Clyburn, James 

Contributor Name: 

WaMuPAC 

Honoree: 

Davis, Geoffrey 

Contributor Name: 

WaMuPAC 

Honoree: 

Bachus, Spencer 

Contributor Name: 

WaMuPAC 

Honoree: 

Heller, Dean 

Contributor Name: 

WaMuPAC 

Honoree: 

Speier, Jackie 

Contributor Name: 

WaMuPAC 

Honoree: 

Matsui, Doris 

Contributor Name: 

WaMuPAC 

Honoree: 

Thompson, Michael 

http://disclosures.house.gov/lc!lcxmlreleasel2008IMMl700064482.xml 

Amount: 

$1,000.00 

Amount: 

$1.500.00 

Amount: 

$1,000.00 

Amount: 

$5,000.00 

Amount: 

$1,000.00 

Amount: 

$1,000,00 

Amount: 

$1,000,00 

Amount: 

SI,DDD.DD 

Page 

Date: 

3/18/20

Date: 

3/18/20

Date: 

3/18/20

Date: 

3/18/20

Date: 

3/18/20

Date: 

3/18/20

Date: 

3/18/20

Date: 

3/18/20
LD-Z03 Contribution Report 

#27· 

Contribution Type: 

FECA 

Payee: 

Moore For Congress 

#28. 

Contribution Type: 

FECA 

Payee: 

Bob Corker For Senate 

#29. 

Contribution Type: 

FECA 

Payee: 

Ed Royce For Congress 

#30. 

Contribution Type: 

FECA 

Payee: 

Freedom Project 

#31 • 

Contribution Type: 

FECA 

Payee: 

Friends of Gordon Smith 

#32 • 

Contribution Type: 

FECA 

Payee: 

Matheson For Congress 

#33· 

Contribution Type: 

FECA 

Contributor Name: WaMuPAC 

Honoree: 

Moore, Dennis 

Contributor Name: 

WaMuPAC 

Honoree: 

Corker, Robert 

Contributor Name: 

WaMuPAC 

Honoree: 

Royce, Edward 

Contributor Name: 

WaMuPAC 

Honoree: 

Boehner, John 

Contributor Name: 

WaMuPAC 

Honoree: 

Smith, Gordon 

Contributor Name: 

WaMuPAC 

Honoree: 

Matheson, James 

Contributor Name: 

WaMuPAC 

Payee: Honoree: 

McConnell Senate Committee '08 McConnell, Mitch 

#34. 

Contributlon Type: Contributor Name: 

FECA WaMuPAC 

Payee: Honoree: 

M~Cotter Congressional McCotter, Thaddeus 

http://disclosures.house.gov/lc/lcxmlrelease/Z008/MM/70006448Z.xml 

Amount: 

$1,000.00 

Amount: 

$2,500.00 

Amount: 

$1,000.00 

Amount: 

$2,500•00 

Amount: 

$2,000.00 

Amount: 

$1,500.00 

Amount: 

$1,000.00 

Amount: 

$1,000.00 

Page 

Date: 

3/18/20

Date; 

4/14/20

Date: 

4/14/20

Date: 

4/14/20

Date: 

4/14/20

Date: 

4/14/20

Date: 

4/14/20

Date; 

4/14/20
LD-Z03 Contribution Report 

Committee 

Contribution Type: 

FECA 

Payee: 

Michael Castle Campaign Fund 

#36. 

Contribution Type: 

FECA 

Payee: 

Nancy Pelosi For Congress 

#37· 

Contribution Type: 

FECA 

Payee: 

Norm Dicks For Congress 

Contribution Type: 

FECA 

Payee: 

Pennsylvanians For Kanjorski 

Contribution Type: 

FECA 

Payee: 

Putnam For Cong~s 

#40. 

Contribution Type: 

FECA 

Payeel 

Rely on Your Beliefs Fund 

#41• 

Contribution Type: 

FECA 

Payee: 

Debbie Wasserman-Schultz for 

Congress 

Contribution Type: 

Honoree: 

Contributor Name: 

WaMuPAC 

Honoree: 

Castle, Michael 

Contributor Name: 

WaMuPAC 

Honoree: 

Pelosi, Nancy 

Contributor Name: 

WaMuPAC 

Honoree: 

Dicks, Norman 

Contributor Name: 

WaMuPAC 

Honoree: 

Kanjorski, Paul 

Contributor Name: 

WaMuPAC 

Honoree: 

Putnam, Adam 

Contributor Name: 

WaMuPAC 

Honoree: 

Blunt, Roy 

Contributor Name: 

WaMuPAC 

Honoree: 

Wasserman-Schultz, Debbie 

Contributor Name: 

http://disclosures.house.govllc/lcxmlrelease/Z0081MM170006448Z.xml 

Amount: 

$1,000.00 

Amount; 

$2,500•00 

Amount: 

$2,000.00 

Amount: 

$1.500.00 

Amount: 

$1,000 .00 

Amount: 

$2,500•00 

Amount: 

$1,500.00 

Amount: 

Page 

Date: 

4/14/20

Date; 

4/14/20

Date: 

4/14/20

Date: 

4/14/20

Date: 

4/14/2

Date: 

4/14/2

Date: 

4/14/2

Date: 

09-4
LD-203 Contribution Report Page 

FECA WaMuPAC $2,000.00 4/25/2

Payee; Murray. Patty People For Patty Murray 

#43· 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000.00 5/16/20

Payee: Honoree: 

Clay Jr. For Congress Clay, William 

#44. 

Contribution Type: Contributor Name: AmoWlt: Dare: 

FECA WaMuPAC $2,500.00 5/16/20

Payee: Honoree: 

Committee To Re-Elect Nydia M. 

Velazquez To Congress 

Velazquez, Nydia 

#45· 

Contribution Type: Contributor Nante: Ammmt: Date: 

FECA WaMuPAC $1,000.00 5/16/20

Payee: Honoree: 

Friends Of Jeb Hensarling Hensarling, Jeb 

#46-

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000,00 5/16/20

Payee: Honoree: 

HERGERPAC Herger, Wally 

#47· 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000.00 5/16/2

Payee: Honoree: 

Melissa Bean For Congress Bean, Melissa 

#48. 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000.00 5/16/2

Payee: Honoree: 

Moore For Congress Moore, Dennis 

#49· 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000.00 5/16/2

Payee: Honoree: 

Solis For Congress Solis, Hilda 

http://disc!osures.house.gov/lc/lcxmlrelease/2008IMM/700064482.xml 09-4
LD-203 Contribution Report 

#50. 

Contribution Type: 

FECA 

Payee: 

Cathy McMorris For Congress 

#51. 

Contribution Type: 

FECA 

Payee: 

Friends of Doc Hastings 

#52. 

Contribution Type: 

FECA 

Payee: 

Armstrong For Congress 

#53. 

Contribution Type: 

PECA 

Payee: 

Crowley For Congress 

Contribution Type: PECA 

Payee: 

Friends Of Charlie Wilson 

#55· 

Contribution Type: 

PECA 

Payee: 

Friends Of Dave Reichert 

Contribution Type: 

FECA 

Payee: 

Kevin McCarthy For Congress 

#57. 

Contribution Type: 

FECA 

Payee: 

Klein For Congress 

Contributor Name: 

WaMuPAC 

Honoree: 

McMorris, Cathy 

Contributor Name: 

WaMuPAC 

Honoree: 

Hastings, Richard 

Contributor Name: 

WaMuPAC 

Honoree: 

Armstrong, William 

Contributor Name: 

WaMuPAC 

Honoree: 

Crowley, Joseph 

Contributor Name; 

WaMuPAC 

Honoree: 

Wilson, Charles 

Contributor Name: 

WaMuPAC 

Honoree: 

Reichert, David 

Contributor Name: 

WaMuPAC 

Honoree: 

McCarthy, Kevin 

Contributor Name: 

WaMuPAC 

Honoree: 

Klei~ Ronald 

http://disc!osures.house.gov/lc/lcxmlrelease/2008IMM/700064482.xml 

Amount: 

$1,000.00 

Amount: 

$1,000.00 

Amount: 

$1,000.00 

Amount: 

$3,000.00 

Amount: 

$1,000.00 

Amount: 

$2,000.00 

Amount: 

$1,000.00 

Amount: 

$1,000.00 

Page 

Date; 

6/2/20

Date: 

6/2/20

Date: 

6/13/20

Date: 

6/13/20

Date: 

6/13/20

Date: 

6/13/20

Date: 

6/13/20

Date: 

6/13/20

09-412
LD-203 Contribution Report 

Contribution Type: 

FECA 

Payee: 

LaRocco For Senate 

Contribution Type: 

FECA 

Payee: 

Longhorn PAC (Rep. Lamar 

Smith) 

#60. 

Contribution Type: 

FECA 

Payee: 

McHenry For Congress 

#61. 

Contribution Type: 

FECA 

Contributor Name: 

WaMuPAC 

Honoree: 

LaRocco, Larry 

Contributor Name: 

WaMuPAC 

Honoree: 

Smith, Lamar 

Contributor Name: 

WaMuPAC 

Honoree: 

McHenry, Patrick 

Contributor Name: 

WaMuPAC 

Payee: Honoree: 

Texans For Senator John Cornyn Comyn, John 

Inc 

Contribution Type: 

FECA 

Payee: 

Friends Of John Boehner 

#63;··· 

Contribution Type: 

FECA 

Payee: 

Nelson For U S Senate 

Contribution Type: 

Honorary Expenses 

Payee: 

O:mgressional Black Caucus 

Foundation, Inc. 

t:ontJ1button'l)'pe: 

Honorary Expenses 

Honoree: 

All Hispanic Caucus Members. 

Contributor Name: 

WaMuPAC 

Honoree: 

Boehner, John 

Contributor N arne: 

WaMuPAC 

Honoree: 

Nelson, Ben 

Contributor Name: 

Self 

Honoree: 

All 42 Congressional Black Caucus Members. 

l:Ontributor Name: 

Self 

http://disclosures.house,gov/lc/lcxmlreleaseI20081MM1700064482,xml 

Amount: 

$1,000.00 

Amount: 

$1,000.00 

Amount: 

$1,000.00 

Amount: 

$1,000.00 

Amount: 

$2,000.00 

Amount: 

$1,000.00 

Amount: 

$15,000.00 

Amonnt: 

$15,000.00 

Pag

Date: 

6/13/2

Date: 

6/13/2

Date: 

6/13/2

Date: 

6/13/20

Date: 

6/27/2

Date: 

6/27/2

Date: 

3/12/20

uate: 

5/30/2

09-412
LO-203 Contribution Report 

Payee: 

Congressional Hispanic Caucus 

Institute, Inc. 

COMMENTS 

Page 

HonoraI)' Expenses include those made by Washington Mutual Bank an affiliated entity of Washington Mutual, In

CERTIFICATION AND SIGNATURE 

• I certify that I have read and am familiar with the provisions of the Standing Rules of the Senate and the Stand

of the House of Representatives relating to the provision of gifts and travel, I have not provided, requested or direc

including travel, to a Member of Congress or an officer or employee of either House of Congress with knowledge th

of the gift would violate rule XXXV of the Standing Rules of the Senate or rule XXV of the Rules of the House of 

Representatives during this filing period. 

Digitally Signed By: 

MR. M. SOOIT GASPARD, 7/25/2008 2'49'08 PM 

http://disclosures.house.gov/lc/lcxmlrelease!20081MM/700064482.xml 09-41
LD-203 Contribution Report Page 

LOBBYING CONTRIBUTION REPORT 

Clerk of the House of Representatives • Legislative Resource Center. B-l06 Cannon Building. Washington, DC 2

Secretary of the Senate. Office of Public Records. 232 Hart Building. Washington, DC 20510 

FILER TYPE AND NAME 

Type: 

• Organization • Lobbyist 

Orgwtization Nome: 

WASHINGTON MUTUALlNC. 

REpORTING PERIOD 

Year: 

2008 

• Mid-Year (January 1 - June 30) 

• Year-End (July 1 - December 31) 

• Amendment 

POLITICAL ACTION COMMI1TEE NAMES 

• WaMuPAC 

• WaMuPAC 

CONTRIBUTIONS 

• No Contributions 

#1. 

Contribution Type: Contributor Name: 

FECA WaMuPAC 

Payee: Honoree: 

Adam Smith For Congress Smith, Adam 

#2. 

Contribution Type: Contributor Name: 

FECA WaMuPAC 

Payee: Honoree: AI Green For Congress Green, A1 

#3. 

Contribution Type: Contributor Name: 

FECA WaMuPAC 

Payee: Honoree: 

Allyson Schwartz For Congress Schwartz, AllY80n 

IDENTIFICATION NUMBERS 

House Registrant ID: 

34160 

Senate Registrant ID: 

43684 

Amount: 

$2,000.00 

Amount: 

$1,000.00 

Amount: 

$1,000.00 

http://di sclosures. house.gov/lcllcxmlrelease/200SIYY /70007 4199 .xml 

Date: 

8/26/20

Date: 

7/20/20

Date: 

8/26/20
LD-203 Contribution Report 

#4· 

Contribution Type: Contributor Name: 

FECA WaMuPAC 

Payee: Honoree: Barbara Lee For Congress Lee, Barbara 

Contribution Type: Contributor Name: 

PECA WaMuPAC 

Payee: Honoree: 

Barney Frank For Congress Frank, Barney Committee • 

#6. 

Contribution Type: Contributor Name: 

FECA WaMuPAC 

Payee: Honoree: Barrett For Congress Barrett, J. Gresham 

Contribution Type: Contributor Name: 

FECA WaMuPAC 

Payee: Honoree: Becerra For Congress Becerra, Xavier 

#8. 

Contribution Type: Contributor Name: 

FECA WaMuPAC 

Payee: Honoree: 

Boucher For Congress Committee Boucher, Rick 

Contribution Type: Contributor Name: 

FECA WaMuPAC 

Payee: Honoree: 

Capuano For Congress Committee Capuano, Michael 

#10. 

Contribution Type: Contributor Name: 

FECA WaMuPAC 

Payee: Honoree: 

Cathy McMorris For Congress McMorris, Cathy 

#11. 

Contribution Type: Contributor Name: 

PECA WaMuPAC 

Payee: Honoree: 

Gonzalez, Charles 

http:// di sclosures. house.gov!Ic/lcxmlrelease/2008IYY /700074199.xml 

Amount: 

$1,000.00 

Amount: 

$2,000.00 

Amount: 

$1,000.00 

Amount: 

$1,500•00 

Amount; 

$1,000.00 

Amount: 

$2,000.00 

AInount: 

$1,000.00 

Amount: 

$2,000.00 

Page 

Date: 

8/26/20

Date: 

8/14/20

Date: 

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Date: 

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Date: 

8/26/20

Date: 

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Dale: 

8/26/20

Date: 

8/26/20
LD-203 Contribution Report Page 

Charles A Gonzalez Congressional 

Campaign 

#12. 

Contribution Type: Contributor Name: Amount: Date: FECA WaMuPAC $1,000.00 8/26/20

Payee: Honoree: 

Christopher Shays for Congress Shays, Christopher 

Committee 

#13. 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000.00 7/20/20

Payee: Honoree: 

Citizens To Elect Rick Larsen Larsen, Rick 

#14· 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000.00 8/26/20

Payee: Honoree: 

C1eaver For Congress Cleaver, Emanuel 

#15· 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuFAC $1,000.00 8/26/20

Payee: Honoree: Committee To Elect Chris Murphy Murphy, Christopher 

#16~ 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000.00 7/20/20

Payee: Honoree: 

Committee To Elect Gary Ackerman, Gary 

Ackerman 

#17· 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000.00 8/26/20

Payee: Honoree: 

Committee To Elect Gary Ackerman, Gary 

Ackerman 

#18. 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000.00 8/26/20

Payee: Honoree: 

Committee To Re-Elect Henry Johnson, Henry 

Hank Johnson 

http:// disclosures.house.govllcllcxmlrelease/2008IYY 170007 4199 .xml 

09-412
LD-203 Contribution Report 

#19· 

Contribution Type: 

FECA 

Payee: 

The Congressman Joe Barton 

Committee 

#20. 

Contribution Type: 

FECA 

Payee: 

David Scott For Congress 

#21. 

Contribution Type: 

FECA 

Payee: 

Diane E Watson For Congress 

#22. 

Contribution Type: 

FECA 

Payee: 

Dina Titus For Congress 

#23. 

Contribution Type: 

FECA 

Contributor Name: 

WaMuPAC 

Honoree: 

Barton, Joe 

Contributor Name: 

WaMuPAC 

Honoree: 

Scott, David 

Contributor Name: 

WaMuPAC 

Honoreel 

Watson, Diane 

Contributor Name: 

WaMuPAC 

Honoree: 

Titus, Dina 

Contributor Name; 

WaMuPAC 

Payee: Honoree: 

Donald A. Manzullo For Congress Manzullo, Donald 

#24· 

Contribution Type: 

FECA 

Contributor Name: 

WaMuPAC 

Payee: Honoree: Dreier For Congress Committee Dreier, David 

#25. 

Contribution Type: 

FECA 

Payee: 

Eddie Bernice Johnson For 

Congress 

#26:· 

Contribution Type: 

FECA 

Honoree: 

Crapo, Mike 

Contributor Name: 

WaMuPAC 

Honoree: 

Johnson, Eddie 

Contributor Name: 

WaMuPAC 

http:// disclosures.house.gov/lc/lcxmlrelease/2008IYY 170007 4199 .xml 

Amount: 

$1,000.00 

Amount: 

$2,000.00 

Amount: 

$1,000.00 

Antount: 

$1,000.00 

Amount: 

$4,000.00 

Antonnt: 

$2,500.00 

Page 

Date: 

8/26/20

Date: 

8/26/20

Date: 

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Date: 

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Date: 

8/26/20

Date: 

8/26/20

Date: 

8/26/20

Date: 

8/14/20
LD·203 Contribution Report 

Payee: 

Freedom Fund 

#27· 

Contribution Type: 

FECA 

Payee: 

Friends for HWT}' Reid 

Contribution Type: 

FECA 

Payee: 

Friends Of Carolyn McCarthy 

#29. 

Contribution Type: 

FECA 

Payee: 

Friends Of Cliff Stearns 

#30. 

Contribution Type: 

FECA 

Payee: 

Friends Of Dave Reichert 

#31. 

Contribution Type: 

FECA 

Payee: 

Friends of George Miller 

#32. 

Contribution Type: 

FECA 

Payee: 

Friends Of Ginny Brown-Waite 

Contribution Type: 

FECA 

Payee: 

Friends Of Jim Clyburn 

Contribution Typel 

Honoree: 

Contributor Name: 

WaMuPAC 

Honoree: 

Reid, Harry 

Contributor Name: 

WaMuPAC 

Honoree: 

McCarthy, Carolyn 

Contributor Name: 

WaMuPAC 

Honoree: 

Stearns, Cliff 

Contributor Name: 

WaMuPAC 

Honoree: 

Reichert, David 

Contributor Name; 

WaMuPAC 

Honoree: 

Miller, George 

Contributor Name: 

WaMuPAC 

Honoree: 

Brown-Waite, Virginia 

Contributor Name: 

WaMuPAC 

Honoree: 

Clyburn, James 

Contributor Name: 

http://disclosures.house.gov /lc/lcxmlreleasel2008NY 1700074199.xml 

Amount: 

$2,500.00 

Amount: 

$2,000.00 

Amount: 

$1,000.00 

Amount: 

$1,000.00 

Amount: 

$2,000.00 

Amount: 

$1,000.00 

Amount: 

$1,000.00 

Amount: 

Page 

Date: 

7/20/'2.

Date: 

8/26/20

Date: 

8/26/20

Date: 

8/26/20

Date: 

8/26/20

Date: 

7/20/2

Date; 

8/26/2

Date: 
LD-20J Contribution Report Page 

FECA WaMuPAC $1,000.00 8/26/20

Payee: Marshall, Jim Friends Of Jim Marshall 

#35. 

Contribution Type: Contributor Name: Amount: Date: FECA WaMuPAC $-2,3°0.00 9/17/20

Payee: Honoree: Friends Of Joe Baca Baca, Joseph 

#36:· 

Contribution Type: Contributor Name: Amount: Date: FECA WaMuPAC $1,000.00 8/26/20

Payee: Honoree: 

Friends Of Lois Capps Capps, Lois 

#37· 

Contribution Type: Contributor Name: Amount; Date; 

FECA WaMuPAC $2,000.00 8/26/20

Payee: Honoree: 

Friends Of Sessions Senate Sessions, Jeff 

Committee Inc 

#38. 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $2,000.00 8/26/20

Payee: Honoree: 

Gary Miller For Congress Miller,Gary 

#39· 

Contribution Type: Contributor Name: Amount: Date: FECA WaMuPAC $1,000.00 8/26/20

Payee: Honoree: Geoff Davis for Congress Davis, Geoffrey 

#40. 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000,00 7/20/20

Payee: Honoree: 

Hoyer For Congress Hoyer, Steny 

#41• 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $2,000.00 8/26/20

Payee: Honoree: Hoyer For Congress Hoyer, Steny 

http://di sclosures.house.govncncxmlrelease/2008NY /700074 I 99.xml 
LD-203 Contribution Report 

#42. 

Contribution Type: 

FECA 

Payee: 

Jim Costa For Congress 

#43· 

Contribution Type: 

FECA 

Payee: 

Jim McDermott for Congress 

#44. 

Contribution Type: 

FECA 

Payee: 

Joe Donnelly For Congress 

#45· 

Contribution Type: 

FECA 

Payee: 

Jon Porter for Congress 

Contribution Type: 

FECA 

Payee: 

Ken Calvert For Congress 

#47· 

Contribution Type: 

FECA 

Payee: 

Kenny Marchant For Congress 

#48. 

Contribution Type: 

FECA 

Payee: 

Kevin McCarthy For Congress 

#49· 

Contribution Type: 

FECA 

Payee: 

Larson For Congress 

Contributor Name: 

WaMuPAC 

Honoree: 

Costa) James 

Contributor Name: 

WaMuPAC 

Honoree: 

McDermott, Jim 

Contributor Name: 

WaMuPAC 

Honoree: 

Donnelly, Joseph 

Contributor Name: 

WaMuPAC 

Honoree: 

Porter, Jon 

Contributor Name: 

WaMuPAC 

Honoree: 

calvert, Ken 

Contributor Name: 

WaMuPAC 

Honoree: 

Marchant, Kenneth 

Contributor Name: 

WaMuPAC 

Honoree: 

McCarthy, Kevln 

Contributor Name: 

WaMuPAC 

Honoree: 

Larson, John 

http://disc!osures,house,gov!lcllcxmlrelease/2008NY 1700074199, xm 1 

Amount: 

$1,000.00 

Amount: 

$2,000.00 

AInount: 

$1,000.00 

Amount: 

$2,000.00 

Amount: 

$1,000.00 

Amount: 

$2,000.00 

Amount: 

$1,000.00 

Amount: 

$2,000.00 

Page 

Date: 

8/26/20

Date: 

8/26/20

Date: 

8/26/20

Date: 

8/26/2

Date: 

8/26/2

Date: 

9/18/20

Date: 

8/26/2

Date: 

8/26/2
LD·203 Contribution Report 

#50. 

Contribution Type: 

FECA 

Payee: 

Louase Slaughter Re-Election 

Committee 

#51. 

Contribution Type: 

FECA 

Payee: 

Lucas For Congress 

#52 • 

Conb-ibution Type: 

FECA 

Payee: 

Lucille Roybal-Allard For 

Congress 

#53. 

Contribution Type: 

FECA 

Payee: 

Lucille Roybal-Allard For 

Congress 

#54. 

Conb-ibution Type: 

FECA 

Contributor Name: 

WaMuPAC 

Honoree: 

Slaughter, Louise 

Conb-ibutor Name: WaMuPAC 

Honoree: 

Lucas, Frank 

Conb-ibutor Name: 

WaMuPAC 

Honoree: 

Roybal·Allard, Lucille 

Contributor Name: 

WaMuPAC 

Honoree: 

Roybal-Allard, Lucille 

Contributor Name: 

WaMuPAC 

Payee: Honoree: 

McConnell Senate Committee '08 McConnell, Mitch 

#55. 

Conb-ibution Type: 

FECA 

Payee: 

McHenry For Congress 

Conb-ibution Type: 

FECA 

Payee: 

McNerney For Congress 

Conh"ibution '1 )'pe: 

FECA 

Honoree: 

Watt, Melvin 

Contributor Name: 

WaMuPAC 

Honoree: 

McHenry, Patrick 

Conb-ibutor Namel 

WaMuPAC 

Honoreel 

McNerney. Jerry 

Conb-ibutor Name: 

WaMuPAC 

http://disclosures.house.gov/lc/lcxmlrelease/200SIYY/700074199.xml 

Amount: 

$1,000.00 

Amount: 

$1,000.00 

AmOlUlt; 

$1,000.00 

AmOlU}t: 

$1,000.00 

Amount: 

$1,500.00 

Amount: 

$1,000.00 

Amount: 

$1,000.00 

Amount: 

$2,000.00 

Page 

Date: 

8/26/20

Date: 

8/26/20

Date: 

7/20/20

Date: 

8/26/20

Date: 

8/26/2

Date: 

8/26/2

Date: 

8/26/2

Date: 

8/26/2
LD-203 Contribution Report Page 

Payee: 

Mel Watt For Congress 

Committee 

#58. 

Contribution Type: Contributor Name: Amount: Date: FECA WaMuPAC $2,000.00 7/20/20

Payee: Honoree: Melissa Bean For Congress Bean, Melissa 

#59· 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $2,000.00 8/26/20

Payee: Honoree: 

Michael Castle Campaign Fund Castle, Michael 

#60: 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000.00 7/20/20

Payee: Honoree: 

Neugebauer Congressional Neugebauer, Robert 

Committee 

#61. 

Contribution Type: Contributor Name: Amount: Date; 

FECA WaMuPAC $5,000.00 8/26/20

Payee: Honoree: 

PAC to the Future Pelosi, Nancy 

#62. 

Contribution Type: Contributor Name: Amount; Date: 

FECA WaMuPAC $1,000.00 8/26/2

Payee, Honoree: 

Pastor For Arizona Pastor, Ed 

#63. 

Contribution Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000.00 8/26/2

Payee: Honoree: 

Paul Hodes For Congress Hodes, Paul 

#64· 

Contriblltion Type: Contributor Name: Amount: Date: 

FECA WaMuPAC $1,000.00 8/26/2

Payee: Honoree: 

Pearce For Congress Pearce, Stevan 

http:// disclosures. house. gov/lc/lcxmlreleasel200SIYY /700074199 xml 09-4126
LD-203 Contribution Report 

#65~ 

Contribution Type: FECA 

Payee: 

Pennsylvanians For Kanjorski 

Contribution Type: 

FECA 

Payee: 

Perlmutter for Congress 

#67. 

Contribution Type: 

FECA 

Payee: 

Price For Congress 

Contribution Type: 

FECA 

Payee: 

Reed Committee 

Contribution Type: 

FECA 

Payee: 

Ric Keller for Congress 

#70 • 

Contribution Type; 

FECA 

Payee: 

Robert Wexler For Congress 

Committee 

#71 • 

Contribution Type: 

FECA 

Payee: 

Ruben Hinojosa For Congress 

#72 • 

Contribution Type; 

FECA 

Payee: 

Contributor Name: 

WaMuPAC 

Honoree: 

Kanjorski, Paul 

Contributor Name: 

WaMuPAC 

Honoree: 

Perlmutter, Ed 

Contributor Name: 

WaMuPAC 

Honoree: 

Price, Thomas 

Contributor Name: 

WaMuPAC 

Honoree: 

Reed, Jack 

Contributor Name: 

WaMuPAC 

Honoree: 

Keller, Richard 

Contributor Name: 

WaMuPAC 

Honoree: 

Wexler, Robert 

Contributor Name: 

WaMuPAC 

Honoree: 

Hinojosa, Ruben 

Contributor Name; 

WaMuPAC 

Honoree: 

Salazar, Ken 

http://disclosures. house. gov 11 c/lcxmlrelease/2008NY /70007 4199. xml 

Antount: 

$1,000.00 

Amount: 

$1,000.00 

Antount: 

$1,000.00 

Antount: 

$1,000.00 

Amount; 

$1,000.00 

Amount: 

$1,000.00 

Amount: 

$2,000.00 

Amount: 

$1,000.00 

Page 

Date: 

7/20/20

Date; 

7/20/20

Date: 

8/26/""

Date: 

8/26/20

Date: 

8/26/20

Date; 

8/26/20

Date: 

8/26/20

Date: 

8/26/20
LD-203 Contribution Report 

Salazar For Senate 

#73· 

Contribution Type: 

FECA 

Payee: 

Schiff For Congress 

#74. 

Contribution Type: 

FECA 

Payee: 

Scott Garrett For Congress 

#75· 

Contribution Type: 

FECA 

Payee: 

Searchlight Leadership Fund 

Contribution Type: 

FECA 

Contributor Name: 

WaMuPAC 

Honoree: 

Schiff,Adam 

Contributor Name: 

WaMuPAC 

Honoree: 

Garrett, Scott 

Contributor Name: 

WaMuPAC 

Honoree: 

Reid, Harry 

Contributor Name: 

WaMuPAC 

Payee: Honoree: 

Sheila Jackson Lee for Congress Jackson Lee, Sheila 

#77· 

Contribution Type; 

FECA 

Payee: 

Sires For Congress 

Contribution Type: 

FECA 

Payee: 

Solis F Of Congress 

#79· 

Contribution Type: 

FECA 

Contributor Name: 

WaMuPAC 

Honoreel 

Sires, Albia 

Contributor Name: 

WaMuPAC 

Honoree: 

Solis, Hilda 

Contributor Name: 

WaMuPAC 

Payee: Honoree: 

Stephen F. Lynch For Congress Lynch, Stephen 

Committee 

Contribution Type: Contributor Name: 

Honoree: 

http:// di sclosures.house.gov /lc/lcxmlrelease/2008NY 170007 4199 .xml 

Amount: 

$11000.00 

Amount: 

$2,000.00 

Amount: 

$4,000.00 

Amount: 

$1,000.00 

Amount: 

$2,000,00 

Amount: 

$1,000.00 

Amount; 

$2,000.00 

Amount: 

Page

Date: 

8/26/20

Date: 

8/26/20

Date: 

8/26/20

Date: 

8/26/20

Date: 

8/26/2

Date: 

8/26/2

Date: 

8/26/2

Date; 
LD-203 Contribution Report 

PECA WaMuPAC 

Payee: 

Susan Davis For Congress Davis, Susan 

#81. 

Contribution Type: Contributor Name: 

FECA WaMuPAC 

Payee: Honoree: Tim Johnson For South Dakota Johnson, Tim 

Inc 

Contribution Type: Contributor Name: 

FECA WaMuPAC 

Payee: Honoree: Tim Mahoney For Florida Mahoney, Timothy 

#83. 

Contrlbutlon Type: Contributor Name: FECA WaMuPAC 

Payee: Honoree: Chris Dodd for President Dodd. Christopher 

COMMENTS 

$1,000.00 

Amount: 

$1,000.00 

Amount: 

$1,000.00 

Amount: 

$-5,000.00 

Page 

8/26/20

Date: 

8/26/20

Date: 

8/26/20

Date: 

]1/13/2

I inadvertently added WaMuPAC twice under Political Action Committees.l attempted to delete it but the system w

allow me to delete the PAC. 

CERTIFICATION AND SIGNATURE 

• I certify that] have read and am familiar with the provisions of the Standing Rules of the Senate and the Standi

of the House of Representatives re1ating to the provision of gifts and travel. I have not provided, requested or direc

including travel, to a Member of Congress or an officer or employee of either House of Congress 'Nith knowledge th

of the gift would violate rule XXXV of the Standing Rules of the Senate or rule XXV of the Rules of the House of 

Representatives during this filing period. 

DigltaUy Signed By: 

MR. M. SCOTT GASPARD, 12/12/20082:08:56 PM 

http://disc!osures.house.gov/lcncxmlrelease!200S/yY /700074199 .xml 

09-412
toe LO~GREN. CALIFOANI'" 

CHrO.IR 

1If!IIICHA.NOLt1i.Q!N"fVCt;'{ 

C;. K. 8UTTi:IUliLO, NORTH CAAOUNA 

I\ATHVC"'''TUII. FlOl'llOA 

PETtR WI!iLC~, VERMONT 

K['NYfNR.6ROWN. 

ACTING ST A~F DlRECTOft/CHIE"F COUNSEL 

A. i;llAKf (;tlISAM, 

COUNSEL TO Tt1E CHAIII 

01\1& HUNDRED ELEVENTH CONGRII!SS 

m.~. ~OUie of 3lepre»entatibe» COMMITIEE ON STANDARDS OF 

OFF1CIAL CONDUCT 

~nUl)in~n.l9( 20515-6321) 

May 14, 2009 

The Honorabl. Laura Richardson 

U.s. House of Rep_entatives 

1725 Longworth House Office Building 

Washington, DC Z0515 

Dcar Colleague: 

JO BONNER, ALA8AMA fI,6).II(ING kePIJ!lllCA

J. GRESH ...... B.AllRETT, 

JO~N KUN&. MINNESO

I< 1,11ICl-lAU CON~WA.Y

tHAFlLES W O&IIIT. P'l

TODD UNC;tAE~ 

COUIo,1SEL '-0 "HE I\A

REPU8LICAN MUA

SUtT!: HT-l, nil, CAPI

l~O~)n5-110' 

This letter responds to your recent reque.t for clarification of certain disclos

requirements oftbe Form A Financial Disclosure Statement. Specifically, you ask whether yo

are required under the Ethics in Government Act of 1978 86 amended (EIGA), to disclose cert

real estate holdings on your disclosure report and any debts secured by these properties. 

A. a goneral malter, a reporting Individual is required to disclose an asset only if it 

has a fair market value ofmor. than $\,000 at the close of the reporting period, or (2) gener

more than $200 in income during the reporting period. See EIGA §§ 102 (a)(3)(A) 

IOZ( aX 1 XB). The personal residance of a reporting individual (including a secondary or vacat

home). however, is specifically "",eluded from disclosure so long as the home is not generating !

rental income and is not being held fur investment purposes. E1GA further provides that "a

mmtg.g. secured by real property whlcb is • personal residence of the reporting individual" 

.. pecificlllly ""cluded from disclosure as a liability. See EIGA § l02(4)(A). 

According to your representations to the Colll!l)ittee, you purchased and OWn th

residences in Califumia These properties are located in San Pedro, Long Beach, and Sacramen

None of these properties have ever generated any re.tltal income, nor are any currently being held 

investment purposes. Ba6ed on these representations, it would appear to the Committee that you 

under no obligation to disclose your ownership interest in the properties on your financ

disclosure statement. Please be mindful, however, that if the circumstances chllllge IIlld ren

income i. ever generated by any of tIleseprop.rties, you will b. required to di.clo.e the inco

producing properti", on your financial disclosure statement. 

09-4126_
The Honorable Laura Ricluudson 

May 14, 2009 

Page 2 

Because you presently have no disclosure obligation with respect to these prol'erties, 

are similarly not required to disclos. any debt .,",ured by these properties. This exclusion app

regardless of the fair market vlllue of the property or the balance dlle on any loan and inclu

mortgllses, borne equity loans and home equity lines of credit. I . 

If you bave any further questions, pl •• se contact Ihe Committee's Chief Counsel, B

Chisam, at (202) 225-7103. 

Sincerely. 

ZUJB. 

(Js r 

Clfai ~ fi~ JoBonner 

Ranking Republican Member 

J For a more compl6ie explanation of the cucumstances in which a mortgage may be excluded 

di1:lclQGure on the fmanciat disclosure statement, please see the attached Committee Memonwdum d

Decomber 30, 2008. 
WaMu giving Congresswoman a break? - The Daily Breeze Page 

'They owe me the property," York said. "The sale 

was a good sale." 

York said an ordinaf}' person would be unlikely 

to get the kind of consideration that Richardson 

has received from her bank. 

'They wouldn't even get a phone call back," he 

said. 'They would laugh al somebody who would 

call and say, 'We had some kind of agreement.' 

They wouldn' give you 10 cenls'worth of time." 

Leo Nordine, a Hermosa Beach real estate 

broker who specializes in foreclosed homes, 

agreed that the rescission was out of the 

ardinaf}'. 

"It's extremely unusual," he said. "Unless (the 

borrower) fiied bankruplcy beforehand, Ihey'd 

never do it." 

Richardson's staff did not return a call on 

Monday. 

Dustin Hobbs, a spokesman for the California 

Mortgage Bankers Association, said that while 

foreclosure rescissions are rarely publicized, they 

are becoming more common as the rate of 

foreclosures increases. 

"Generally it is going to result In a legal battle," 

he said. "Basically you're saying, 'We're willing to 

fight for our borrower.1II 

Hob bs said a lender would be unlikely to go to 

bat for a borrower who has shown no ability to make future payments. But if the foreclosure was 

http://www.dailybreeze.com/news/ci_9536078 

the result of a temporary hardship or a 

paperwork mix-up, the lender has every 

Incentive to restore the initial loan. 

"Lenders are concemed about keeping 

borrowers in homes no matter Yfo they are," he 

said, 'We're talking about dollars and cents at 

this point." 

In Richardson's case, Washington Mutual lost 

nearly $200,000. If the foreciosure were 

overtumed, the bank would have an opportunity 

to recoup some of that loss - assuming 

Richardson is able to make payments on three 

homes and rent an apartment in Washington, D, 

C., on her $169,300 congressional salary. 

gene.maddaus@dailybreeze,com 

09-41
EXHIBIT 22 

Form A 

Fo' use by M.mb .... olf"" ... and employee' 

5&''&.-706,-1.)1/,1-). 

(Dayllm& Telephone) 

HAND DELIVERED 

?fS(PJR,':r C':I'JTt,.; 

VonPH\Y 1'3 ,\;19; 54 

• i, ,,0' 

TA \.,..., Qff\Ceror EmployingOHice: 

Terrninalfon Date: 

A $200 penalty shall be assessed I 

against anyone who files more than 

30 days late. 

CH OF THESE QUESTIONS 

fV'1 

NoD VI. Did you, your spouse, or a dependent chi1d receive any reportable gift in the reporting perlod {i.e .. aggregating more than $305 and not otherwise exempt)1 

If ve_!},_ and attacft Sched'ure VJ. 

vesD 

0 

Nog VII. Did You. your spouse. or a dependent child receive any reportable travel or reimbursements for travel in the reporting period (worlh more than $305 from one source)? If yes. cornJ)tete and attach Schedule VII. YesO 

r8J 

sD 

sD 

NOD NOgf 

Nog 

VlII. Did you hold any repOrtable positions on or before the date 

of filing in the current calendar year? 

If yes, complete and attach Schedule VD'- YesO 

IX. Oid you have any reportable -ag-ree:ment or arrangement with D 

an outside entity? Yes If yes., complete and attach Schedule IX. 

NORJ 

Each question in this part must be answered and the 

appropriate schedule attached for each "Yes" response. 

RUST INFORMATION - ANSWER OF THESE QUESTIONS e> 

mmittee on standards of Official Condud and certain other trusts" need not 

enefiting you, your spouse. or dependent child? 

earned" income, ttansactions, or fiabilities of a spouse or dependent cMd because 

o 

YesO 

YesO 

8-

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§( '" 

.8 

m 

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It> 

.... 

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NCOME 

I l .. 

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S 

Asset 

BLOCKC 

Type of Income 

set at close of Check all columns that apply. For 

,use a valuation 

BLOCK 0 

Amount of Income 

For retirement plans or accounts that do 

not allow you to choose specifiC investments, you may write lor income. 

For all other assets, including aJllAAs. 

C market va\ue. i'rN8sb1lents. you write Fo, 

hod used. ,other assets incfUding all IRAs, I indicate the 

mcbcatethetypeofmeomebycl1.eck- I _ .. __ .. ···,. -.-- -,-,... 

ory of income by 

.... n"'''''' .. '' • ...." ", .. nropriate box below. 

ring the reporting ing the appropriate box DIvidends. and Inll even if rein- listed. as income.. 

. Ot"lcfends and intere&t.even If I vesleCl. snoUIO De ':n .. ·,\Jnn .. "nil Income was received. 

only because It vested. should be listed as income. ::._.:. ... ... R" • 

 value should be Chedl: "None" if asset dld not gener-

ate any income during calendar year. 

alHl'lJIKiLI 

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0 & 8g 

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• 

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, !I II[ 'v V VI VII VIII IX X x, 

§ 

BLOCKE 

Transaction 

Indicate if the 

asset had 

puochases (P), 

If only a 

por1ion of an 

asset is sold, 

please indicate 

as follows: 

(5) (partial) 

See below for 

example. 

g g 

8 

tit I t 

& 

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Cl h 

OJ Z .J " 

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x 

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en 

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me during the reporting period by you, your spolfse, or dependent child. Mark the highest amount owed 

(unless it is rented outJ; loans secored by automobiles, houseOOfd furniture, or appliances; rlabifities of a 

se, or the child, parent, or sibling of you or your spouse. Reporl revohtlng charge accounts (Le., cred1l: 

exceeded $10,000. 

B c 

'!'8)E8 sq 0.°. Type of liability 

Mortgage on 123 Marn St. Dover, Del. 

Amount of Liability' 

D elF· I G I H f ,J K 

'!'§I§§I§§\d gg >ig g& ;Sl :J:l 

x 

U & 8§ §8 §§ __ 2 

:sa!! dN 

g more Ihan $305 received by you, your spouse, or a dependent child from any source during the year. 

vidual, local meals, and gifts to a spouse or dependent Child that are. totally independent of his or her 

ed towards the $305 disclosure threshold. 

gifts except as speCifically provided in the rule. 

Description 

er{determination on personal friendship received from Committee 

Value 

$325 

ed. OJ I!f 

.... 

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1 

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..., 

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EIMBURSEMENTS 

 of expenses provided for travel and travelArelated expenses totalling more than $305 received by 

period. Indicate whether a family member accompanied the traveler at the sponsor's expense, and 

ense. Disclosure is required regardless of whether the expenses were paid directly by the sponsor 

 and local gOVllrnment., or by a foreign government required to be separately reported under the 

travel that is required to be reported under the Federal Election Campaign Act; travel provided to a 

or her relationship 10 you. . 

City of OeparttJre-DestinalionCity of Return .OO91ng?/ Food? {yIN I {YIN Was a FamIlY Member Included? (yIN) Number 01 days !)2! at sponsor's expense 

.......... ... -.... ······t··· 

ce is required. 

" CO 

m 

:1 

N 

:; 

a. o 
I Name 1..FIJt!?12 I Page J'Q.. at" I 

 during 111. current calendar year as an officer, director, trustee of an organizalion, partner, 

poration, firm, partnership, or other business enterprise. any non profit organization, any labor 

 the United States. 

y religious, social, fraternal, or polttical entities; and positions solely of an honorary nature. 

Name of Organi:rat'ioR 

ent or arrangement with respect to: future employment: a leave of absence during the period of 

a former or current employer other than the U.S. Government; or continuing participation in an 

oyer. 

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09-4

EXHIBIT 23 

09_412

Capitol Weekly: Debate intensifies over Richardson home defanlt 

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CAUFORNIA 

REPUBLICAN 

PARTY 

CONVENTION 

CAPrrOLWEEI(LY 

Debate intensifies over Richardson home default 

By Anthony York (published Thursday, Mi;J}' 22, 2008) 

pubii~"H'

Is IMk

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M,(uI::tgBo

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~ 

A Long Beach congresswoman who feU behind lin her payments on a $535,000 

mortgage in Sacramento said in a written statement that she owns the home, but 

financial documents show the house was sold at public auction and has been in 

the possession of the buyer for weeks. 

The auction for Rep. Laura Richardson's house, in Sacramento's Curtis Park 

neighborhood, took place on May 7. The transaction was detailed~ublic r..acQr..ill; 

filed with the coun.t~ 

Richardson, a Democrat, a former Assembly member who was elected to the 

House last year, bought the l,600-square-foot, three-bedroom house in January 

2007, but soon fell behind in the payments. 

The story of Richardson's 

Sacramento home is more 

than a tale of a real estate 

market gone sour. It is also an 

illustration of how far many 

candidates will go to seek 

elected office, even if it means 

quite literally mortgaging their 

own financial future. 

While being elevated to 

Congress in a 2007 special 

election, Richardson 

apparently stopped making 

payments on her new 

Sacramento home, leaving 

nearly $600,000 in unpaid 

loans and fees, including 

nearly $9,000 in property 

taxes. 

Richardson's decision to allow the loan to slide into default was set in motion by 

an unlikely chain of events, only some of which had to do with Sacramento's 

crumbling real estate market. Richardson was elected to the Assembly in 

November 2006, and purchased her new capital home two months later. But in 

April 2007, Rep. Juanita Millender-McDonald succumbed to cancer, creating a 

Congressional vacancy In Richardson's district. 

Richardson declared her candidacy for the seat, and soon found herself locked in 

a hotly contested, and very expensive race for Congress against state Sen. Jenny 

Oropeza, D-Long Beach. 

While her campaign heated up, Richardson's house slipped into default. 

Richardson fell behind on her mortgage payments as she loaned her 

Congressional campaign $60,000 - money that has begun to be paid back to 

Richardson personally from her campaign account, according to records from the 

09-4
,,-,(.I.}JHV.l H '-'\,..1\-IY, .LJCUCm;;; lUlCW:Hllt:j1j uv~r Klcnarason nome detault 

center for Responsive Politics. 

Richardson's opponent, Oropeza, loaned herself $115,000 for her run against 

Richardson. Oropeza's Congressional committee still shows nearly $200,000 in 

debt. 

Submit 

<.'§i.HWaM& " 

provide details. 

Richardson declined requests 

over several days to discuss 

her real estate transaction. 

She also was not immediately 

available to comment 

Thursday, according to her 

office. 

In a carefully written 

statement released Wednesday 

evening, she challenged 

Capitol Weekly's story about 

tithe residential property that I 

I own in sacramento," and said 

, that it had not been subjected 

to foreclosure. She also said 

that she renegotiated a loan in 

connection with the 

transaction, but did not 

ItI have worked with my lender to complete a loan modification and have 

renegotiated the terms of the agreement -- with no special provisions. I fully 

intend to fulfill all financial obligations of this property," she said. 

But financial records on file with the county show that Richardson does not own 

the home. The house was sold on May 7 at a public foreclosure auction for 

$388,001. 

That auction originally had been scheduled for April 7, but was delayed a month, 

said James York, a Sacramento real estate broker Who purchased the house from 

the trustee, the California Reconveyance Company. That transaction was offiCially 

recorded on May 9, and the deed transfer and sale were recorded on May 19. 

Docum~nts associated with the transaction can be viewed here. 

"It was a foreclosure auction. I took possession of the house as of May 7," said 

Yorkt who has conducted numerous Similar purchases, according to county 

records. (York is not related to the author of this article). 

York, whose firm specializes in foreclosure sales, said that Richardson did not 

participate in the transaction, that the house had been vacant for some time and 

that he paid the funds to California Reconveyance, whicl1 handles foreclosure 

property and is owned by Washington Mutual, the original lender. 

The sale forced the bank to "take a $200,000 write-off/' York noted. In an earlier 

interview with the Daily Breeze of Torrance, which reported a detailed account of 

the transaction, he said the bank "took a beating." 

Tax records at the Sacramento County assessor's office show that in January 

2007, Richardson took out a mortgage for the entire sale price of the house --

$535,000. The mortgage amount was equal to the sale price of the home, 

meaning she was able to buy the house without a down payment. At the time, the 

housing market was beginning to turn, but the severest impacts had not yet been 

felt. NO-interest, "jumbo" loans-those more than $417,000-were still available 

from some lenders. 

Richardson received a default notice in late 2007. By December 2007, less than a 

year after Richardson purchased the house, she was behind in her payments by 

more than $18,000. 

Three months later, on March 19, 2008, a notice was filed with the county that 

http://capitolweekly.net/article.php?c=xsm2c454551no5&xin=x4ntlrrnuflmflrhV fI,O", 1U"~~ 
Capitol Weekly: Debate intensifies over Richardson home default 

Richardson's property would be sold at auction on April 7. According to the 

documents, the unpaid balance and other charges Richardson owed the bank was 

$587,384. 

The March 19 notice of trustee's sale also described the unpaid balance of 

Richardson's loan, held by Washington Mutual, at more than $578,000 - $40,000 

more than the original mortgage. Tax records show $8,950 In unpaid property 

taxes. 

The Curtis Park house is not Richardson's primary residence. She also owns a 

four-bedroom house in Long Beach, In her congressional district. Real estate 

records show she purchased that house In 1999 for $135,000. An estimate from 

Zillow.com puts the current value of that house at $474,000. 

Like many homes that have gone through foreclosure, Richardson's new residence 

quickly became an eyesore. With Richardson gone, upkeep on the home lapsed, 

and neighbors began to get angry. 

"The neighbors are extremely unhappy with her," said Sharon Helmar, who sold 

the home to Richardson. "She didn't mow the lawn or take out the garbage while 

she was there. We lived there for a long time, 30 years, and we had to hide our 

heads whenever we came back to the neighborhood." 

Helmar and her husband, Mark, sold the Curtis Park home to Richardson because 

Sharon's arthritis required the couple to move into a one-story house. With the 

area's real estate market slowing downt the house remained on the market for 

months, and the Helmars, who lived In the house for more than 30 years, were 

getting desperate to sell. 

Helmar said that she has never met Richardson personally, but dealt with 

Richardson through her realtor. The Helmars wound up giving Richardson $15,000 

toward closing costs, she said. 

And she is still angry over what happened to a home that clearly she never really 

wanted to leave. "It's kind of silly. You would think people who are making 

decisions for others would be able to make good decisions for themselves," she 

said. "She should have known what she could afford and not afford. In this 

neighborhood, you just don't do that." 

While Richardson walked away from her loan, she bested Oropeza in a June 

special election, and moved on to Congress. As a member of Congress, 

Richardson has been asked to vote on legislation pertaining to the spike in 

foreclosures around the country. 

On the biggest pieces of legislation having to do with government bailouts for 

people whose homes have entered foreclosure, Richardson did not vote. She also 

did not vote on legislation by Rep. Barney Frank, D-Mass, which would direct $2.7 

billion in government funds to help an estimated 500,000 homeowners who are at 

risk of foreclosure. Richardson said she missed the votes because of the death of 

her father. 

Richardson did not vote on a measure by Rep. Maxine Waters, D-Los Angeles, 

that would give local governments $15 billion to purchase, rehab and resell 

foreclosed properties. 

While Richardson walked away from her bank loan, she has begun to pay herself 

back for the money she personally invested in her initial race. Records show that 

Richardson spent $587,000 out of her congressional campaign committee since 

declaring her congreSSional candidacy through March of this year. Of those 

expenditures, Richardson has spent $18,000 of that money to begin repaying 

herself for the money Richardson loaned to her campaign. 

Copyright ©2009 :: CO(1t~ct~ 

EXHIBIT 24 

TheHiII, com - Mortgage non-disclosure is trouble for Richardson http;llthehill.comlindex2.php?option=com_cont

101'2 

LEADING THE NEWS 

Mortgage non-disclosure is trouble for Richardson 

By Jared Allen 

Posted: 06/02/08 07:33 PM [ET] 

Rep. Laura Richardson (D-Calif.) could face fines for leaving a heavily indebted mortgage off her finan

disclosure statement, according to campaign finance experts. 

A review of Richardson's 2007 financial disclosure shows that she failed to report her Sacramento hor

as a liability even though she owed $40,000 more than she paid for the home, which was purchased in 

that year. By the end of 2007, Richardson had accumulated $575,000 in total debt after failing to make 

on hel'oIiginal $535,000 mortgage, according to Sacramento County records. 

Financial disclosure laws require members of Cong

report home mortgages as liabilities if indebtednes

the purchase prices of the item. 

"On a plain reading of the law, it's not clear why th

would not be included on her financial disclosure s

given the situation," said Meredith McGehee, the C

Legal Center's policy director. 

Lawrence Noble, former general counsel for the Fe

Election Commission (FEC) and a campaign financ

lobbying expert, agreed. 

"That is what the rule says," Noble said. "The realit

~lrll the end of the year, if she was indebted for more th

Ii paid for the house, then she was required to report 

The home went into foreclosure and was sold at auction last month. Richardson is disputing the sale. 

Her office did not return repeated calls seeking comment for this story. It also has not responded to qu

about how Richardson was able to loan her congressional campaign $77,500 while continuing to defau

prope11ies. 

Richardson, who is expected to cruise to a victory in Tuesday's Democratic primary, has come under in

scrutiny since news of the foreclosure and subsequent sale at auction of her Sacramento home. Additi

indicated Richardson has a long history of mortgage defaults that also covers homes in San Pedro and 

Richardson's own financial statement, however, showed no indication that anything was amiss. 

Under Schedule III of her 2007 Financial Disclosure Statement, filed on Feb. 22 of this year, the fresh

lawmaker listed her liabilities as simply "N/ A" 

Yet throughout 2007, as her Sacramento home was going from newly purchased to foreclosed on, Rich

defaulted on her Long Beach home a third and again a fourth time, when she fell $15,101 behind on he

In September of that year, Richardson also let her San Pedro home slip into default when she fell $12,

on her payments. 

In January 2008 Richardson defaulted on the San Pedro home a second time, and in April - with Rich

owing $367.436 on an original loan of $359,000 - Wells Fargo Bank issued a notice of trustee sale of 

Records indicate that the home is still scheduled to be sold at a July 14 auction. 

Richardson was able to rescind both of the default notices on her Long Beach home after catching up o

09-4126_000168 
TheHill.com - Mortgage non-disclosure is trouble for Richardson http://thchill.comlindex2.php?option=coffi_ cont

2of2 

payments, which she did first in March and then again in October 2007. 

Richardson's fourth default notice, for $15,101, on her Long Beach home came in October 2007 - the 

she again caught up on her payments as well as repaid herself $8,000 from her campaign, her FEC rec

Noble said that the entities that monitor financial disclosure statements - the House ethics committe

Depaltment of Justice - ¥lilllikely issue a warning to Richardson to amend her reports. 

"In tenus of what they would ultimately do about it, I think the question would be: Was this an attem

up anything, or was it a mistake?" Noble said. 

McGehee called Richardson's financial disclosure statement "puzzling." 

"Obviously this raises questions about disclosure and more information, I think, is needed to ensure t

indeed, abided by the statutory requirements," McGehee said. "The purpose of the financial disclosure 

foremost, to reveal conflicts of interest or potential conflicts of interest ... and to ensure that if questio

about positions, votes, other actions they take as a federal official, that there is transparency." 

Although Richardson missed the vote on the housing bill that passed the House in early May, she has 

only did so in tile wake of her father's sudden death. 

Richardson last fall voted to help pass the Mortgage Forgiveness Debt Relief Act, which prevents the f

government from charging income tax on debt forgiven as a consequence of foreclosure. And she has s

that she wants to capitalize on her experience to advocate for further reform of the nation's housing p

Richardson told the Long Beach RepOlt on May 24 that she thinks people '(expect me to take what I've 

what I see, not only for myself but what I see that they're doing, and figure out how to fix it, and that's 

intend upon doing." 

Over the weekend, two of Richardson's opponents in Tuesday's primary seized on the issue in a last-m

attempt to unseat the 46-year-old freshman, who came to Congress after a 2007 special-election victor

Peter Mathews accused her of "a pattern of financial irresponsibility" and wondered "how she can be r

for a federal budget when she can't balance [her] own budget," while Lee Davis said she was a "nationa

embarrassment" who has lost credibility. 

Susan Crabtree contributed to this article. 

09-4
EXHIBIT 25 

09-412

City Of Sacramento CAP 

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QJ:!:en Housing Cases 

Vacant Building Cases 

Case Details 

Csse #: 09-035287 

Address: 3622 W CURTIS 

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Type: Code 

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Initial Complaint assigned to Officer or Inspector. 

http://www.citizenserve.comlSacramento/CitizenControlIer 

Status: Open 

Open Date: 07/01/2009 

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07/24/2009 

07/07/2009 

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Case #: 09-010823 

Address: 3622 W CURTIS 

DR 

Type: Housing 

categories: Complaint 

Case History 

Activity 

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httn:i /www.citizenserve.com/Sacramento/r.itizen r.ontrollp-r 

Status: Closed 

Open Date: 05/09/2009 

Close Date: 05/11/2009 

Disposition: Duplicate Entry 

Date 

05(11(2009 
City Of Sacramento CAP 

Qrl:en Housing Cases 

Vacant Building Cases 

Case #: 09-010583 

Address: 3622 W CURTIS 

DR 

Type: Housing 

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httn~l/www c:it;ze:n.':.e:rvp, c:()m/Sac:r::lme:nto/riti7f'~nr()ntr()11e:,. 

Status: Closed 

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Case #: 09-009571 

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Type: Code 

Calegories: landscaping/paving 

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05/07/2009 

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May 06,2009 PRO·ACTIVE A PRO·ACTIVE INSPECTION Jose Perez 

07:53 PM INSPECTION - Activity activity has been assigned to Jose 

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department. 

Apr 29,2009 RE-INSPECTION - Activity 04-29-09 PROPERTY Jose Perez 

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OF THE 14 DAY PRELIMINARY 

LEDER ON THE FRONT DOOR 

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ADDED TO THE CASE FILE. 

Apr2B,2009 Notification Activity Notlflcatlon for Jose Perez. Josle Valdez 

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Apr26,2009 CODE -14 DAY PRELlM- A CODE -14 DAY PRELIM activity Jose Perez 

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in the Code Enforcement 

department. 

Apr 26. 2009 RE·INSPECTION • Activity A RE·INSPECTION activity has Jose Perez 

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Code Enforcement department. 

Apr 26,2009 INITIAL INSPECTION - 04-24-09 Initial Inspection Jose Perez 

02:35 PM Activity Note conducted at 3622 W.Curtis Dr. 

The property In question Is a single 

family occupancy, blue In COIOf, 

with white trim. This property Is 

located on the west side of the 

street. My Inspection from the 

public right of way revealed the 

following violations: Overgrown 

grass and weeds throughout the 

property and a falling side gate. 

Photos were taken depicting the 

violations. A 14 day preliminary 

letter will be sent to property 

owner. 

Apr 24, 2009 INITIAL COMPLAINT - A INITIAL COMPLAINT activity City 

07:49AM Activity has been assigned to Jose Perez Operator06 

In the Code Enforcement 

department. 
City Of Sacramento CAP 

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~en Housing Cases 

Vacant Building Cases 

Case Delalls 

Case It: 08-015953 

Address: 3622 W CURTIS 

DR 

status: Closed 

Open Date: 07/21/2008 

Type: Code 

Categories: HSG Boarded 

Vacant Buitding 

VB - Tammy 

Browning 

Close Date: 10/02/2008 

Disposition: Unfounded 

Case History 

Activity 

Termination of Notice of Pending Enforcement proceeding 

document. 

Letter returned to Code Enforcement Department. 

Letter returned to Code Enforcement Department. 

Letter returned to Code Enforcement Department. 

Letter returned to Code Enforcement Department. 

letter returned to Code Enforcement Department. 

Letter returned to Code Enforcement Department. 

Letter returned to Code Enforcement Department. 

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Letter returned to Code Enforcement Department. 

Letter returned to Code Enforcement Department. 

Resend Declaration letter. 

Letter returned to Code Enforcement Department. 

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Online Title Report request. 

Received prooF of certified mail card. 

Notice letter sent and Monitoring Fee assessed. 

Online Title Report request. 

Notice of Pending Enforcement proceeding document. 

Case re-asslgned. 

Pro-Active Inspection. 

Case re-assigned. 

Date 

11/17/2008 

11/06/2008 

10/27/2008 

10/27/2006 

10/21/2008 

10/16/2008 

10/16/2008 

10/16/2008 

10/03/2008 

10/01/2008 

09/25/2008 

09/05/2008 

09/05/2008 

09/05/2008 

08/20/2008 

08/20/2008 

08/15/2008 

08/11/2008 

08/08/2008 

08/08/2008 

07/25/2008 

07/23/2008 

07/23/2008 

http://www.citizenserve.comlSacramento/CitizenController 

EXHIBIT 26 

09-4

Uriall G. Svoboda 

PHON'fl (202)4)4.1654 

"AX (202)434.1690 

IlMAIL: BSvoboda@perkinscoie.com 

April 21, 2009 

Leo Wise, Esq. 

Elizabeth Horton, Esq. 

Office of Congressional Ethics 

1017 Longworth House Office Building 

U.S. House of Representatives 

Washington, D.C. 20515 

Re: Review No. 09-4126 

Request for Information 

Dear Mr. Wise and Ms. Horton: 

Per

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607 Fourt

Washitlgton

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On behalf of our client, Congresswoman Laura Richardson, we write in response to the mat

provided to us by the Office of Congressional Ethics ("OCE") on April 15,2009. The malt

referenced in the aCE's Statement of Allegations have been before the Committee on Stand

of Official Conduct ("the Committee") since June 2008. We provided the Committee with 

additional information as recently as April 2, 2009. Because the matters are now before the 

Committee, we would respectfully submit that aCE should terminate the preliminary review

On June 18, 2008, Congresswoman Richardson requested a formal written opinion from the 

Committee regarding the financial disclosure statement that she filed in May 2008, and 

specifically about the disclosure of the properties referenced in aCE's Statement of Allegat

In a letter dated July 15, 2008, the Committee responded with an extensive request for addit

information. The Committee indicated that, prior to formalizing its opinion, it wanted to 

determine not only whether the properties qualified as personal residences excluded from 

disclosure, but also whether any ofthe loans on the properties, or the rescission of the 

foreclosure on her Sacramento property, should be characterized as gifts. 

The Member responded in full to the Committee's request on July 31, 2008. On March 16, 

2009, the Committee, through its chief counsel, requested additional documents duplicative 

aCE's request, which the Member provided on April 2, 2009. 

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ANCHORAGE BEIJING IHLtEVUE BOISE CHICAGO D[NVER LOS ANGEt[S' MENLO PARt: 

OLYMPIA PHOENIX PORTLAND SAN FRANCISCO SEATlL~' SHANGHAI WASHINGTON, D.C. 

Perkins Coic lLP and Affiliates 
Leo Wise, Esq. 

Elizabeth Horton, Esq. 

April 21, 2009 

Page 2 

Thus, the questions of whether the Congresswoman received a gift through the rescission of 

foreclosure on her Sacramento home, and whether her residences were required to be disclo

on her personal financial disclosure form, are now under consideration by the Ethics Commi

For OCE to review these same matters at the same time, so that it may advise the Committee 

to whether they merit further review, would be burdensome and duplicative. The 

Congresswoman has long wanted the Ethics Committee to complete its analysis of the matte

referenced in OCE's Statement of Allegations, and intends to continue to work with the 

originating Committee toward that end. In the meantime, we would respectfully request tha

instant preliminary review be closed, in deference to the Committee's determination. 

Please do not hesitate to call Brian Svoboda at (202) 434-1654, if you would like to discuss 

matters further. 

Very truly yours, 

Brian G. Svoboda 

Kate Sawyer Keane 

cc: The Honorable Laura Richardson 

The Honorable Zoe Lofgren 

The Honorable Jo Bonner 

Kenyen Brown, Esq. 

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