Document:

exhibit10_4ctoamend2.htm

    Exhibit 10.4
(c)

    

    
      
        
          
            
              	
                      RECORDING
      REQUESTED BY

                    	 
      
	 
      	 
      
	 
      	 
      
	 
      	 
      
	
                      AND
      WHEN RECORDED, MAIL TO

                    	 
      
	 
      	 
      
	 
      	 
      	 
      	 
      	 
      	 
      
	 
      	 
      
	
                      Name                                                                                                 
          REDWOOD MORTGAGE

                    	 
      
	
                                                                                                                                      P.O.
      BOX 5096

                    	 
      
	
                      Address                                                                                               
       REDWOOD CITY, CA 94063-0096

                    	 
      
	 
      	 
      
	 
      	 
      	 
      	 
      	 
      	 
      
	 
      	 
      
	
                      Title
      Order No

                    	 
      	
                             
      Escrow No.

                    	 
      	 
      	 
      
	 
      	 
      

            

          

        

      

    

                                                             SPACE
ABOVE THIS LINE FOR RECORDER’S USE

    Loan
No.:

    

    DEED OF
TRUST AND ASSIGNMENT OF RENTS

    

    
      	
              BY THIS DEED OF TRUST,
      made this

            	 
      	
              day
      of

            	
              ,

            	 
      	
              ,
      between

            
	 
      
	 
      	
              ,
      herein called Trustor, whose address
      is,

            
	 
      

    

    

    
      	
              and
      PLM LENDER SERVICES, INC., a California corporation,

            	
              ,
      herein called Trustee,
    and

            
	 
      
	 
      	
              ,
      herein called Beneficiary,

            

    

    

    
      	
              Trustor
      grants, transfers, and assigns to Trustee, in trust, with power of sale,
      that property in the City of
________,

            

    

    __________
County, California, described as:

    
      	 
      

    

    

    Trustor also assigns to
Beneficiary all rents, issues and profits of said realty reserving the right to
collect and use the same except during continuance of default hereunder and
during continuance of such default authorizing Beneficiary to collect and
enforce the same by any lawful means in the name of any party
hereto.

    

    For
the purpose of securing:

    (1)
Payment of the indebtedness by one promissory note in the principal sum of $

    of even
date herewith, payable to Beneficiary, and any extensions or renewals
thereof;

    (2) the
payment of any money that may be advanced by the Beneficiary to Trustor, or his
successors, with interest thereon, evidenced by additional notes (indicating
they are so secured) or by endorsement on the original note, executed by Trustor
or his successor;

    (3)
performance of each agreement of Trustor incorporated by reference or contained
herein.

    

    
      
         

      

      
        1

        
          

        

      

      
         

      

    

    

    On
October 25, 1973, identical fictitious Deeds of Trust were recorded in the
offices of the County Recorders of the Counties of the State of California, the
first page thereof appearing in the book and at the page of the records of the
respective County Recorder as follows:

    

    
      	
              COUNTY

            	
              BOOK

            	
              PAGE

            	
              COUNTY

            	
              BOOK

            	
              PAGE

            	
              COUNTY

            	
              BOOK

            	
              PAGE

            
	 
      	 
      	 
      	 
      	 
      	 
      	 
      	 
      	 
      
	
              Alameda

            	
              3540

            	
              89

            	
              Marin

            	
              2736

            	
              463

            	
              Santa
      Barbara

            	
              2486

            	
              1244

            
	
              Alpine

            	
              18

            	
              753

            	
              Mariposa

            	
              143

            	
              717

            	
              Santa
      Clara

            	
              0623

            	
              713

            
	
              Amador

            	
              250

            	
              243

            	
              Mendocino

            	
              942

            	
              242

            	
              Santa
      Cruz

            	
              2358

            	
              744

            
	
              Butte

            	
              1870

            	
              678

            	
              Merced

            	
              1940

            	
              361

            	
              Shasta

            	
              1195

            	
              293

            
	
              Calaveras

            	
              368

            	
              92

            	
              Modoc

            	
              225

            	
              668

            	
              Sierra

            	
              59

            	
              439

            
	
              Colusa

            	
              409

            	
              347

            	
              Mono

            	
              160

            	
              215

            	
              Siskiyou

            	
              697

            	
              407

            
	
              Contra
      Costa

            	
              7077

            	
              178

            	
              Monterey

            	
              877

            	
              243

            	
              Solano

            	
              1860

            	
              581

            
	
              Del
      Norte

            	
              174

            	
              526

            	
              Napa

            	
              922

            	
              96

            	
              Sonoma

            	
              2810

            	
              975

            
	
              El
      Dorado

            	
              1229

            	
              594

            	
              Nevada

            	
              665

            	
              303

            	
              Stanislaus

            	
              2587

            	
              332

            
	
              Fresno

            	
              6227

            	
              411

            	
              Orange

            	
              10961

            	
              398

            	
              Sutter

            	
              817

            	
              182

            
	
              Glenn

            	
              565

            	
              290

            	
              Placer

            	
              1528

            	
              440

            	
              Tehema

            	
              630

            	
              522

            
	
              Humboldt

            	
              1213

            	
              31

            	
              Plumas

            	
              227

            	
              443

            	
              Trinity

            	
              161

            	
              393

            
	
              Imperial

            	
              1355

            	
              801

            	
              Riverside

            	
              1973

            	
              139405

            	
              Tulare

            	
              3137

            	
              567

            
	
              Inyo

            	
              205

            	
              660

            	
              Sacramento

            	
              731025

            	
              59

            	
              Tuolumne

            	
              396

            	
              309

            
	
              Kern

            	
              4809

            	
              2351

            	
              San
      Benito

            	
              386

            	
              94

            	
              Ventura

            	
              4182

            	
              662

            
	
              Kings

            	
              1018

            	
              394

            	
              San
      Bernardino

            	
              8294

            	
              877

            	
              Yolo

            	
              1081

            	
              335

            
	
              Lake

            	
              743

            	
              552

            	
              San
      Francisco

            	
              B820

            	
              585

            	
              Yuba

            	
              564

            	
              163

            
	
              Lassen

            	
              271

            	
              367

            	
              San
      Joaquin

            	
              3813

            	
              6

            	
              San
      Diego

            	
              File
      No.

            	 
      
	
              Los
      Angeles

            	
              T8512

            	
              751

            	
              San
      Luis Obispo

            	
              1750

            	
              491

            	 
      	
              73-

            	 
      
	
              Madera

            	
              1176

            	
              234

            	
              San
      Mateo

            	
              6491

            	
              600

            	 
      	
              299568

            	 
      
	 
      	 
      	 
      	 
      	 
      	 
      	 
      	 
      	 
      

    

    

    The
provisions contained in Section A, including paragraphs 1 through 5, and the
provisions contained in Section B, including paragraphs 1 through 9 of said
fictitious Deeds of Trust are incorporated herein as fully as though set forth
at length and in full herein, except certain amendments to the fictitious Deed
of Trust are set forth on an amendment attached hereto and incorporated
herein.

    

    The
undersigned Trustor requests that a copy of any notice of default and any notice
of sale hereunder be mailed to Trustor at the address hereinabove set forth,
being the address designed for the purpose of receiving such
notice.

    The
Note securing this Deed of Trust provides as follows:

    Borrower’s
required repayment in full before scheduled date

    A.  In
the event of any sale or conveyance of any part of the real property described
in the Deed of Trust securing this Note, then the Note Holder may demand payment
in full of all amounts that I owe under this Note, as allowed by
law.

    

    

    TRUSTOR:

    

    

    
      	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      

    

    

    
      
         

      

      
        2

        
          

        

      

      
         

      

    

    

    

    AMENDMENT
TO FICTITIOUS DEED OF TRUST RECORDED IN _____ COUNTY AT BOOK ___, PAGE ___, AND
ADDENDUM TO THAT CERTAIN DEED OF TRUST DATED ___________, BETWEEN ____________,
TRUSTOR, PLM LENDER SERVICES, INC., A CALIFORNIA CORPORATION, TRUSTEE, AND
_____________, BENEFICIARY.

    

    Paragraph
5, Section A, is deleted and instead the following applies:

    

    5)  To pay immediately and
without demand all sums so expended by Beneficiary or Trustee, with interest
from date of expenditure at the rate provided for in the note securing the
within Deed of Trust, and to pay for any statement provided for by law regarding
the obligations secured hereby in the amount demanded by Beneficiary, not
exceeding the maximum amount permitted by law at the time of the request
therefore.

    

    The third
paragraph of Paragraph 5, Section B, is deleted and instead the following
applies:

    

    After deducting all costs, fees and
expenses of Trustee and of this Trust, including cost of evidence of title in
connection with sale, Trustee shall apply the proceeds of sale to payment
of:  all sums expended under the terms hereof, not then repaid, with
accrued interest at the rate provided for in the note securing the within Deed
of Trust; all other sums then secured hereby; and the reminder, if any, to the
person legally entitled thereto.

    

    The
following is added as Paragraph 10, Section B:

    

    10)  Nothing in this
instrument shall be interpreted to confer rights or obligations which are
prohibited by the California Business and Professions Code and Beneficiary and
Trustee waives any right inconsistent herewith.

    

    

    

    TRUSTOR:

    

    

    
      	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      

    

    

    

    

    

    

    

    

    

    
      
         

      

      
        3exhibit10_5toamend2.htm

    Exhibit
10.5

    

    AGREEMENT
TO SEEK A LENDER

    (Agency
Agreement)

    

    
      	
              Date:

            	 
      	
              Loan
      No.:

            

    

    

    I engage
REDWOOD MORTGAGE (the Broker) to act as my exclusive agent to find a lender or
lenders willing to loan money to me in the principal amount of $_________
bearing interest at ________ percent (____%) per annum according to the terms of
the Mortgage Loan Disclosure Statement/Good Faith Estimate (the Disclosure
Statement) I have executed with Broker, a copy of which is attached to this
Agreement, or upon other terms and conditions as I approve.  The loan
is to be secured by a Deed of Trust on real property owned entirely or in part
by me at _______________.

    

    I agree
to pay a brokerage commission, processing charges and fees for arranging the
loan in accordance with the Disclosure Statement.

    

    If my
loan application is approved by Broker in its sole discretion, Broker shall use
its best efforts to obtain a lender or lenders willing to loan the requested
funds to me.  The Broker shall have the exclusive right to act as my
agent in this regard for a period of sixty (60) days from the date the loan
application is approved, except that if this loan application is for a loan
which is subject to California Business and Professions Code 10243, then the
period of agency shall be forty five (45) days from the date the loan
application is approved.

    

    I
recognize that in addition to acting as my agent, Broker may also be acting as
agent for lenders seeking borrowers such as private parties, institutional
lenders or government agencies, including the lender which ultimately lends me
money.  I agree that Broker may act as dual agent for me and for any
lender to me.  In addition, I recognize that Broker may, if it so
chooses, lend me its own funds or funds which it controls.

    

    Broker
shall incur no liability to me if it is unable to obtain a lender interested in
loaning money to me, and Broker has no obligation to loan me its own
funds.

    

    If loan
funds are not disbursed because of any information I fail to disclose
accurately, for instance the existence and terms of any lien affecting the
property which will be security for this loan, or actual title to such property,
I understand that Broker has performed its duties and may incur expenses and
liabilities to other parties.  Therefore, I agree to pay Broker the
commission and all other expenses incurred in arranging the loan as listed in
the Disclosure Statement as may be provided by law.

    

    I hereby
authorize Broker to deliver to a prospective lender credit information available
to Broker, including reports received from Credit Reporting
Agencies.

    

    If
applicable, Broker shall retain possession of original Note and original Deed of
Trust, and forward them in accordance with the instructions of the
lender.

    

    I
recognize and agree that this agreement may be terminated by Broker at any time
before funding of the loan to me.  I further recognize and agree that
this agreement shall automatically terminate when the loan funds are disbursed
to me and that Broker has no further obligations to me at that time and that
Broker may continue to act as agent for lender during the time the loan to me is
outstanding.

    

    I agree
that all claims or disputes between me and Broker arising out of or relating to
the loan, including Broker’s arranging of the loan and my disclosure of
information to Broker shall be determined by binding arbitration in accordance
with the rules of the American Arbitration Association and that the judgment of
the arbitrators may be entered in a court of law.  I UNDERSTAND THAT BY SIGNING THIS
AGREEMENT I AM GIVING UP THE RIGHT TO A JURY OR COURT TRIAL AND AGREEING TO HAVE
DISPUTES DECIDED BY NEUTRAL ARBITRATORS.

    

    
      
         

      

      
        1

        
          

        

      

      
         

      

    

    I have
read the above Agreement and I do agree.

    

    

    ____________________________________________                                                                                                                     ________________________

    (Date)

    

    ____________________________________________                                                                                                                     ________________________

    (Date)

    

    

    THE
REAL PROPERTY WHICH WILL SECURE THE REQUESTED LOAN IS MY RESIDENCE

    

    Yes
______                      No
_______

    (BORROWER
INITIAL YES OR NO)

    

    

    

    
      
         

      

      
        2

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