Declaration

Cal. Super. - 6th Dist.November 14, 2019

\OOOQONU’I-PUJNH NNNNNNNNNr-tr-IHHb-tp-nr-tu-nr-np-n OONQMAWNF-‘OCWNQLnéwwh-‘O STEPHEN s. PICONE, SBN 116809 . RYAN A. RAMSEYER, SBN 221 159 by Swen" cw" °f CA’ PICONE & DEFILIPPIS 625 N. First St. San Jose CA 951 12 (408) 292-0441 Attorney for Plaintiff, MARIA M. MORELOS, Executor of the Estate of Ricardo Morelos MARIA M. MORELOS, Executor of the Estate of Ricardo Morelos, Plaintiff, V. REYNALDO MORELOS, and DOES 1-20, inclusive, Defendants. And related Cross-Action. I, the undersigned, RYAN A. RAMSEYER, declare as follows: 1. I am an attorney at law duly licensed to practice in all of the courts 0f this state. 2. I have actual knowledge 0f the facts contained herein and if called as a witness would testify thereto. 3. I am an attorney for Plaintiff. Maria M. Morelos, in the above-referenced matter. Declaration of Ryan Ramseycr in Support of Opposition to Motion for Summary Judgment 190V358532 Santa Clara - Civil R. BurciTga Electronically Filed County of Santa Clara, on 9/2/2021 11:33 PM Reviewed By: R. Burciaga Case #1 9CV358532 Envelope: 7198153 SUPERIOR COURT 0F CALIFORNIA COUNTY0FSANTA CLARA Case No. 19-CV-358532 DECLARATION OF RYAN RAMSEYER IN SUPPORT OF OPPOSITION TO MOTION FOR SUMMARY JUDGMENT / SUMMARY ADJUDICATION Date: September 16, 2021 Time: 9:00 am. Dept: 7 Hon. Christopher G. Rudy L'l A U) N \OOOQON 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 4. Attached hereto as Exhibit “A,” is a true and correct copy of relevant excerpts of the transcript of the Deposition of Reynaldo Morelos in this matter. 5. Attached hereto as Exhibit “B,” is a true and correct copy of Exhibit 1 to the Deposition of Reynaldo Morelos, being a copy of the Grant Deed pursuant to which Ricardo Morelos and Reynaldo Morelos took title t0 the real property at 7896 Monterey Highway, Gilroy, CA. 6. Attached hereto as Exhibit “C,” is a true and correct copy of Exhibit 12 to the Deposition of Reynaldo Morelos, being an appraisal of the real property at 7896 Monterey Highway. Gilroy, CA as ofNovember 8, 2007, produced by Reynaldo Morelos in discovery in this matter. 7. Attached hereto as Exhibit “D,” is a true and correct copy of Exhibit 14 to the Deposition of Reynaldo Morelos, being a typewritten letter to the California State Board 0t Equalization, dated September 1, 201 1, drafted by Reynaldo Morelos, Jr. 8. Attached hereto as Exhibit “E,” is a true and correct copy of Exhibit 16 to the Deposition of Reynaldo Morelos, being a “loan history summary” relating to the mortgage loan against the real property at 7896 Monterey Highway, Gilroy, CA, produced by Reynaldo Morelos in discovery in this matter. I declare under the penalty of perjury under the laws of the State of California that the foregoing is true and correct on this 2nd day of September, 2021. flfl/ RYAN A.WEEK Declaration of Ryan Ramseyer in Support of Opposition to Motion for Summary Judgment Exhibit “A” (To Declaration ofRyan Ramseyer) SUPERIOR COURT OF THE STATE OF CALIFORNIA COUNTY OF SANTA CLARA ---oOo--- MARIA M. MORELOS, CERTIFIED Executor of the Estate of TRANSCRIPT Ricardo Morelos, Plaintiff, No. 19CV358532 vs. REYNALDO MORELOS, and DOES 1-20, inclusive, Defendants. And related Cross-Action. ZOOM VIDEOCONFERENCE DEPOSITION OF REYNALDO RAFAEL MORELOS Wednesday, August 4, 2021 10:00 A.M. Stenographically Reported By: Priscilla Gwaltney, CSR No. 13316 DEPONENT: REYNALDO RAFAEL MORELOS August 04, 2021 MARIA M. MORELOS VS REYNALDO MORELOS 10 ll 12 13 14 15 l6 l7 18 19 20 21 22 23 24 25 THE WITNESS: Rick is a good gentleman. He's a good man. BY MR. RAMSEYER: Q. Richard, Jr. is a good man; is that correct? A. That's correct, Ricky, Jr. Q. You formed Automatic Transmission Clinic with Richard around 1994; is that right? A. Yes. Q. And you acquired the property in Gilroy in '95; A. That's correct. Q- So when Automatic Transmission Clinic first started, it started at another location? A. Yes. Q. What was that location? A. 7896 Monterey Road. That is in Gilroy. Q. That is the property that Automatic Transmission Clinic still operates out of; correct? A. That's correct. Q. Prior to that, there was another location? A. Yeah. We were down by Railroad Street. 7555 Railroad Street, we used to rent from that. We went in business and opened that business together. Q. How long did Automatic Transmission Clinic occupy that property? El TALTY COURT REPORTERS, INC. 24408.244.1 900 - www.taltys.com lO ll 12 l3 l4 15 16 l7 18 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August O4, MARIA M. MORELOS vs REYNALDO MORELOS 2021 A. You mean the second property or the first property? Q. The first one. A. The one we were renting, I think we were there for about -- I don't know -- we were there a few years. Maybe four or five years, I believe. Maybe four years. I'm not sure. Q. Okay. So that would -- if you operated there for four years before you moved to the property on Monterey Highway, that would mean that Automatic Transmission Clinic would have had to have been founded in the early '90s. Does that sound right? A. I think we moved down there -- I think we opened the shop together maybe about '97 or '98. I'm not sure. Q. Okay. You purchased the property on Monterey in 1995; right? Is that right? A. That's correct. Q. So, Automatic Transmission Clinic had already been running for some time by the time that you purchased that property; right? A. Right. Q. Okay. When you started the Automatic Transmission Clinic business, was it a general m TALTY COURT REPORTERs, INc.408.244.1900 - www.taltys.com 25 lO ll 12 l3 l4 15 l6 l7 18 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August 04, MARIA M. MORELOS VS REYNALDO MORELOS 2021 Q. And how often would you make distributions to yourselves? A. Well, it all depends on how much money we had, and we used to make a draw. Q. Okay. Did you take a draw every month? A. We tried to take a draw weekly. Q. Were those draws, logistically, made in the form of checks written out to you? A. Sometimes. Q. Were they sometimes made in cash? A. That's right. Q. Was there any agreed-upon salary that you and Richard took? A. We used to take equal. Whatever he took, I took. Q. And it would just depend on the amount of money coming in? A. That's correct. Q. Okay. In 1995 -- I want to make sure I have an understanding of the layout of the property at Monterey. How many bays are there on the property? A. How many bays? I didn't get that. MR. SULLIVAN: How many bays were at the property in 1995? THE WITNESS: We worked six days out of the m TALTY COURT REPORTERs, INc.408.244.1900 - www.taltys.com 33 lO ll 12 l3 l4 15 16 17 18 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August O4, MARIA M. MORELOS vs REYNALDO MORELOS 2021 week. BY MR. RAMSEYER: Q. Okay. I am trying to get a physical layout on the property. MR. SULLIVAN: Okay. Sorry, I think -- you want to know how many lifts there were? BY MR. RAMSEYER: Q. No. So when you are facing the property, you got a set of doors that roll up; correct? A. That's correct. Q. And I would refer to each one of those as being a bay. Does that make sense? A. No, there's two in the front and there's one behind it, and that is three. And then later on, we purchased some more, and we put them on the side. We didn't have all six lifts at once. We worked with two, and then later on down the years, we would get another one. We just didn't purchase all of them at once. Q. Okay. I understand. If I am standing out on the street, and I am looking at the property, how many roll-up doors are there? A. There's three roll-up doors, and there's another one on the side. There's four roll-up doors. Q. Okay. And in 1995, how many of those roll-up doors was the business using? m TALTY COURT REPORTERs, INc.408.244.1 900 - www.taltys.com 34 lO ll 12 13 l4 15 16 l7 18 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August O4, MARIA M. MORELOS VS REYNALDO MORELOS 2021 A. Three. Q. What about the fourth one? A. We had it like a warehouse for a while. For quite some time, we had it full with old cars the stuff we got. Q. Okay. And at some point, was that fourth roll-out door area rented? A. Yes. Q. When was that first rented out? A. Maybe -- I don't recall. But we did rent it out. It wasn't -- we left it Closed for a long time, and then we decided to open the door and rent it out because we needed that income. Q. That fourth roll-out door area, that was rented out before Richard passed away; right? A. Yes. Q. Okay. Was it in the 20005? A. Maybe late 20005. Let's see, Richard died in 2011, so we were there. Probably in the middle of the 20008, or maybe late 20005. I can't recall. Q. Okay. I understand that currently there's a business there called Happy Smog; is that right? A. That's correct. Q. And is -- has Happy Smog been the only tenant m TALTY COURT REPORTERs, INc.408.244.1900 - www.taltys.com 35 DEPONENT: REYNALDO RAFAEL MORELOS August 04, 2021 MARIA M. MORELOS VS REYNALDO MORELOS lO ll 12 l3 l4 15 16 l7 18 l9 20 21 22 23 24 25 there, or were there prior tenants? A. There was a prior tenant before. And then he sold his business to this gentleman that is in there I'lOW . Q. Okay. Was it the same name, the business? A. Yes, the same name of the business. Q. Okay. Has the only tenant there always been called Happy Smog? A. Say that again. Q. Has the only tenant there always been called Happy Smog, or has there ever been another tenant's business name there? A. It was always Happy Smog. Q. There's never been another tenant there with a different business name? A. No. Q. Is the current rental rate there $2,000 a month for Happy Smog? A. Why should I disclose the amount when I am the owner? Q. You have already disclosed the amount. I just want to confirm it. A. It is $2,000. Q. Has it always been $2,000? A. Before it was like 18-, and then it went to m TALTY COURT REPORTERs, INc.408.244.1900 - www.taltys.com 36 10 ll 12 l3 l4 15 16 l7 18 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August 04, 2021 MARIA M. MORELOS VS REYNALDO MORELOS $2,000. Most of the time, it was all $2,000. When we had the recession, I went down to 18- because the guy couldn't afford it. And I liked this gentleman, so I told him we went down to 18, and then we went back to 2,000. Q. You mentioned the business's CPA earlier. Has the business ever had a different CPA? A. I'm sorry, could you repeat that again. Q. You mentioned the name of the CPA earlier. Has the business ever had a different CPA? A. Now I have a different CPA because Steve Belok passed away. Q. Prior to Richard's death, was there ever a different CPA than Steve Belok? A. Before Richard's death or after Richard's death? MR. SULLIVAN: Before. THE WITNESS: Before. Steve Belok was with us all the way through until Richard passed away. BY MR. RAMSEYER: Q. Okay. And you did not have a different CPA prior to that? A. No. Q. Did Steve Belok always prepare the tax returns? A. Yes. m TALTY COURT REPORTERs, INc. 37408.244.1900 - www.taltys.com lO 11 12 13 l4 15 l6 l7 18 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August O4, 2021 MARIA M. MORELOS VS REYNALDO MORELOS or had a Q. have lost everything. It didn't matter if I was sick, We had an agreement. I was the owner. knee replacement or anything, I still worked. I want to understand the sequence of the events correctly, so I am going to ask -- you may think you described it to me already, but I want to ask you. correct? A. Rey, Jr., wrote out the agreement; is that That's correct. Q. And then you and Rey, Jr., went and took that agreement directly to Maria; is that correct? A. That's correct. Q. A. to bring Q. her house. And then -- We all agreed to meet at her house. She said it to the house, and we took the paperwork to So you took it directly to her house, and then she signed it at her house; is that correct? A. She read it, and then she signed it. Q. Okay. At the meeting that she had at her house, did anybody call Mr. Zimmershed at that meeting? A. I don't know if she called her own attorney. I don't know. I went straight to work. Q. A. Where was it in her house where you met? I didn't quite get that. [tr] TALTYCOURTREPORTERSJNC. 49 408.244.1900 - www.taltys.com 10 ll 12 l3 l4 15 16 l7 18 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August O4, MARIA M. MORELOS VS REYNALDO MORELOS 2021 Q. When you went to her house, you said you had a meeting with her. Where in her house did you meet? A. That was in Santa Barbara, in Gilroy, Santa Barbara Avenue. Q. Did you go into her living room? A. We went into the living room. She was sitting down, and Ricky was there. So, we handed her the paper, and she came out, and she took it out, and she read it. And I just sat down. It is family, so I sat down and I took it for granted that that was good. Good enough for me. She was my brother's wife. Ricky, Jr., was there; is that right? Yes. And Rey, Jr., was also there? Yes, I do believe so. Yes, Richard and Maria. And, obviously, Maria was there? She signed it. Right. Was anybody else there? I didn't see anybody else. P?????Dv How long did the meeting last? A. I don't know. I just paid my respects, and we stayed there for maybe 20 minutes. Q. Okay. So you had that meeting at her house. When did that take place? m TALTY COURT REPORTERs, INc.- 408.244.1900 - www.taltys.com 50 10 ll 12 13 l4 15 l6 l7 18 19 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August O4, 2021 MARIA M. MORELOS VS REYNALDO MORELOS Probably the day after. The day after what? b O V We met with Mr. Zimmershed. Q. So you met at Mr. Zimmershed's office, and then the next day you brought this piece of paper over to Maria's house, and you had the meeting and she signed it; right? A. That's right. Q. Did Mr. Zimmershed, the day before, say that he wanted to see the agreement that you were going to draft? A. No. We all agreed on what she wanted -- what the agreement was going to be about. And then he said that is up to you, Maggie. This is what I want. Maggie right away told me this is what I want. I want no responsibilities. Maria knew that the shop -- she had interest on the shop in the business. And she knew the property was in the hole. I mean, we lost everything, almost bankrupt, and it was ready to foreclose. So she wanted her name out of it. And that is why she agreed. That was the agreement. Q. You used the term bankrupt several times. There was no actual filing for bankruptcy, was there? A. No, we never bankrupt. We never filed m TALTY COURT REPORTERs, INc. 51408.244.1900 - www.taltys.com 10 ll 12 l3 l4 15 16 l7 18 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August O4, MARIA M. MORELOS VS REYNALDO MORELOS 2021 Q. Did Mr. Zimmershed review those notes? A. No. Q. Did you prepare them during the meeting with Mr. Zimmershed? A. No. I just wrote down a few notes what she wanted, and that was it. I mean, I just wrote a few notes of what she wanted me to write, as far as she wanted no liabilities, that I would pay all the bills. That is all I wrote. That wasn't very much. And then we went ahead and write to the state board, and that was it. I would take care of state board, state board was honest. It was just hard times in those days. Q. Did anybody else, other than Rey, Jr., review those notes that you wrote? A. No. I just called him on the phone, and I told him that is what I wanted, and I threw the notes away. She didn't see them. I called him on the phone. Q. How long did the meeting with Mr. Zimmershed last? A. Not very long. Maybe, I don't know, 15, 20 minutes. Q. Who was present at the meeting? A. Ricky was present. It wasn't Patty. It was Rick that was present. m TALTY COURT REPORTERS, INC.408.244.1900 - www.taltys.com 57 lO ll l2 13 l4 15 l6 l7 18 19 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August O4, MARIA M. MORELOS vs REYNALDO MORELOS 2021 Who else? Mr. Zimmershed and Maggie and me. Rey, Jr., wasn't there at the meeting? P O V O No, Rey wasn't there. Rey was working. Q. During the meeting, did Mr. Zimmershed review the existing deed? A. If he did, he must have seen it with Maggie because I don't remember. Q. The day that you went to go meet with her at her house, did you review the deed? A. At her house? Q Correct. A. No, sir. Q And at Mr. Zimmershed's office, did you show Maria any paperwork concerning the business? A. I don't remember, sir. Q. Did you show her any of the account statements for the business? A. No. Q. Did you show her any income and expense statement concerning the business? A. No. Q. Did you tell her anything about any debts that the business owed? A. No. m TALTY COURT REPORTERs, INc.408.244.1 900 - www.taltys.com 58 lO ll 12 13 l4 15 l6 l7 18 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August O4, MARIA M. MORELOS vs REYNALDO MORELOS 2021 Q. Did you tell her your opinion of the value of the real property? A. No. Q. Did you show -- okay. So then the next day at her house, did you show her any paperwork concerning the business? A. No. Q. Did you show her any Income and Expense statements for the business? A. No. Q. Did you show her any account statements for the business? A. No. Q. Did you show her any paperwork concerning debts that the business owed? A. No. Q. Did you give her an opinion of the value of the real property? A. No. Q. Did you give her any of those things at any point between Richard's death and the date that she signed that piece of paper? A. Ask me that question again, please. Q. Did you give her any of those things at any point between the date of Richard's death and the date m TALTY COURT REPORTERS, INc.408.244.1900 - www.taltys.com 59 10 ll 12 l3 l4 15 l6 l7 l8 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August 04, MARIA M. MORELOS VS REYNALDO MORELOS 2021 that she signed the paper? A. No, sir. Q. During either the meeting at Mr. Zimmershed's office or the meeting that you had with Maria the day after, did you ask her to sign a new deed? A. No. All I did was brought her the paperwork, and she read it, and she signed it. We didn't talk very much. Maria was hurting, you know. Everybody was hurting, not only her. Q. It was pretty soon after Richard's death that those meetings occurred; correct? MR. SULLIVAN: Vague and ambiguous. THE WITNESS: Repeat that again. BY MR. RAMSEYER: Q. It was pretty close in time to the date of Richard's death that those meetings occurred, wasn‘t it? A. Uh... Q. Is that a yes? A. I didn't get the last two words you said. During Richard's death what? Q. All I asked was, it was pretty close in time to the date of Richard's death that those two meetings occurred, wasn't it? A. Yeah. I think it was maybe about just a couple of weeks out because Richard died on August 19th, I m TALTY COURT REPORTERS, INc.408.244.1900 - www.taltys.com 60 10 ll 12 13 l4 15 16 l7 18 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August O4, 2021 MARIA M. MORELOS VS REYNALDO MORELOS believe -- August the 18th, and it was September the lst, so that must have been a week, week and a half afterwards. Q. Did you request a copy of the death certificate from Maria? A. Yes. Q. What was that for? A. What was that for? I believe Steve Belok wanted a copy of it, and I got it for Steve. Q. Okay. After Maria signed the paper, did you, in fact, pay off all the liens on the property? A. No, it took a long time for me to pay that. It took me eight, nine years to get it straightened out on that. I didn't have no money. I borrowed money here and there. I sold what I had. I made a deal with the bank so they wouldn't take the property away, so they wouldn't foreclose. It was real hard times. Q. I would like you to look at some of the exhibits that we sent you this morning. First of all, let's take a look at the -- there are page numbers at the bottom, do you see that? It says page l, page 2, and so on. Do you see that? So you see the very top page it says page l on it at the bottom? m TALTY COURT REPORTERS, INC. 61408.244.1900 - www.taltys.com 10 ll 12 13 l4 15 16 l7 18 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August O4, MARIA M. MORELOS VS REYNALDO MORELOS 2021 MR. SULLIVAN: The top page? MR. RAMSEYER: Yeah. MR. SULLIVAN: Exhibit 1, page 1. (Exhibit 1 was marked for identification.) BY MR. RAMSEYER: Q. Do you see that? A. Okay. Q. I will ask you to take a look at the next page. The next page you can't see the page number on the bottom because that is where the black line is. Do you see that that is a grant deed? A. On the grant deed you say? Q. Right. Do you see that, that is the paper you have in front of you? A. Yes. Q. Okay. Is this the grant deed pursuant to which you and Richard became the owners of the property? A. Yes. Q. Okay. Did ever show this deed to Maria? A. No. Q. Okay. I'd ask you to take a look at the next exhibit, Exhibit 2. (Exhibit 2 was marked for identification.) MR. SULLIVAN: Should be page 5. riff TALTY COURT REPORTERs, INc. . 408.244.1 900 - www.taltys.com 62 lO ll 12 13 l4 15 16 l7 18 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August 04, MARIA M. MORELOS VS REYNALDO MORELOS 2021 A. Yes. Q. Okay. I want you to turn to Exhibit 12, which is on page 89. (Exhibit No. 12 was marked for identification.) Okay. Okay. And I will ask you to look at page 90.?’LO?’ Okay. Q. Do you see that this is a Summary Appraisal Report of an automotive property, and then it says it is located at 7896 Monterey Road in Gilroy? Do you see that? A. Yes. Q. Okay. And you understand that to be an appraisal of the property? A. Okay. Q. Okay. So then I will ask you to take a look at the next page, which is page 91. Near the bottom, second paragraph from the bottom, do you see where it says: "Based on our analysis, it is our opinion that the estimated value of the property as of November 8, 2007, is $1,075,000?" Do you see that? A. Yes, I do. Q. Okay. Do you believe that that is, in fact, m TALTY COURT REPORTERs, INc.408.244.1 900 - www.taltys.com 93 10 ll 12 l3 l4 15 l6 l7 18 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August 04, MARIA M. MORELOS VS REYNALDO MORELOS 2021 what the value of the property was on November 8th? A. No. Q. No. MR. SULLIVAN: Wait until the question is complete. I like to object sometimes. MR. RAMSEYER: I will just repeat that question. Q. Do you believe that that accurately reflects the value of the property as of November 2007? MR. SULLIVAN: Calls for an expert opinion. You can answer. THE WITNESS: I don't believe so. BY MR. RAMSEYER: Q. What do you believe the property value was in November of 2007? A. Maybe close to that, but I don't know. Q. Do you think it was more or less? A. I think it was a little bit less. Q. Okay. This was an appraisal that was prepared for the purposes of the loan application; is that right? A. Yes. Q. Did you hire the appraiser on this, or did the lender hire the appraiser? A. I don't recall. Q. Okay. So let's -- I will have you look at m TALTY COURT REPORTERS, INc.408.244.1 900 - www.taltys.com 94 lO 11 12 l3 l4 15 16 l7 18 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August 04, MARIA M. MORELOS VS REYNALDO MORELOS 2021 Exhibit l3 in a minute. But first, I just wanted to ask you, we have talked about the two meetings that you had involving you and Maria, one at Mr. Zimmershed's office, and then the next day at Maria's home. Other than those two meetings from the period following Richard's death until now, have you ever again talked to her about the business? A. No. Q. Have you ever again talked to her about the property? A. No. Q. Okay. Have you ever corresponded with her in any way about the business? And I want to be clear. In the period following Richard's death, have you ever again corresponded with her in any manner regarding the business? A. No, it was -- I was the sole owner, and I didn't have to talk to her. Q. From the period following Richard‘s death until now, did you ever again correspond with her in any way with regard to the property? A. Before Richard's death? Q. After Richard's death. m TALTY COURT REPORTERs, INc.40&2441900-mnwwlaflyscon1 95 10 ll 12 l3 l4 15 l6 l7 18 19 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August O4, MARIA M. MORELOS VS REYNALDO MORELOS 2021 A. No, we didn't. Q. a note I Q. A. Q. A. Q. ?corcov’ Okay. So turn to page 166. And this is Exhibit l3, and this is page -- and I will ask you to look at page 167, and this is a page with some handwriting on it. (Exhibit No. l3 was marked for identification.) BY MR. RAMSEYER: Do you see that? Yes. Is this your handwriting? Yes. Okay. When did you write this? I wrote it when we were in the office. It was was taking. In Mr. Zimmershed's office? Yes. Okay. So these are the handwritten notes that you referred to before; is that right? Yes. Can you read me what this says? Yes. "As of September the lst, 2011, Margerita Morelos is no longer liable for any expenses, bills, taxes on -- or liabilities owned by Automatic Transmission Clinic or property m TALTYCOURTREPORTERSJNC.408.244.1900 - www.taltys.com 96 lO ll 12 l3 l4 15 l6 l7 18 19 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August O4, MARIA M. MORELOS VS REYNALDO MORELOS 2021 Q. page l4. A. read the Q. taxes, State board, IRS. All properties to be owned by Reynoldo Morelos." Okay. And then I'll ask you to please turn to Excuse me, on the last one, it was, "Sole owner of the property Reynoldo Morelos." (Reporter interrupted for clarification of the record.) MR. SULLIVAN: I think it is easier to just whole thing. THE WITNESS: It was just a fast note I took. "As of September the lst, 2011, Margarita Morelos is no longer liable for any expenses, bills, taxes, or any liability owned by Automatic Transmission Clinic, or property taxes, state board, IRS. And all properties to be owned by sole owner, property of Reynoldo Morelos -- sole owner of the property Reynoldo Morelos." I forgot that "of," but that is what it meant. Okay. So now I ask you to turn to page 168, Q. Exhibit l4. (Exhibit No. 14 was marked for identification.) BY MR. RAMSEYER: Do you see that? Do you have that in front of m TALTY COURT REPORTERS, INC.408.244.1 900 - www.taltys.com 97 10 ll 12 l3 14 15 l6 l7 18 19 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August O4, MARIA M. MORELOS VS REYNALDO MORELOS 2021 you? A. Yes. Q. And if you could go to the next page 169. Do you see that? A. Yes. Q. Is this the document that Rey, Jr., typed up? A. Yes. Q. So presumably, then, the meeting with Mr. Zimmershed happened the last day of August; is that correct? A. Yes. Q. So then if you could, please, turn to page 170, which would be Exhibit 15. (Exhibit No. 15 was marked for identification.) BY MR. RAMSEYER: Do you have that in front of you? Yes. And the next page is 171. Okay. 1.0.»on It is not the best copy. But do you see that that is that same typed-up document -- go ahead. A. You mentioned August, the last day of August. Q. Right. A. We dated it the day we went to that. I think m TALTY COURT REPORTERS, INc.408.244.1 900 - www.taltys.com 98 10 ll 12 13 l4 15 l6 l7 18 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August 04, MARIA M. MORELOS VS REYNALDO MORELOS 2021 and I told my son to put September the lst. Q. Okay. A. I took it the next day or the following day. I'm not sure. But I did take it down there, and that is when she signed it. Q. But it would have been the day after your meeting with Mr. Zimmershed; is that right? A. I do believe so, sir. Q. Okay. All right. So then now I will ask you to please turn to the next page, which should be Exhibit 16. (Exhibit No. l6 was marked for identification.) BY MR. RAMSEYER: Q. Do you have that in front of you? A. Yes. Q. Okay. And do you see this as a Loan History Summary? A. Yes. Q. Okay. And is this a summary of the payments made and the principal owed in addition to some other information on the loan that was taken against the property in 2008? MR. SULLIVAN: For the record, this is a document we subpoenaed from the bank and they produced. The question is, Is this a summary of your m TALTY COURT REPORTERs, INc.408.244.1 900 - www.taltys.com 100 10 ll 12 l3 l4 15 16 l7 18 19 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August O4, 2021 MARIA M. MORELOS VS REYNALDO MORELOS loan? THE WITNESS: Yes, I do believe so. BY MR. RAMSEYER: Q. Okay. And let me ask you to turn to page 187. I apologize. It got scanned in upside down. But if you could take a look at that. Do you have that in front of you? A. Yes. Q. Does this appear to be a letter from Bay View Loan Servicing to you? A. Yes. Q And that is dated November 27, 2019? A. Yes. Q The first line of the letter says: "Dear Mr. Morelos, this letter is in response to your verbal requests on October l4 and October 24, 2019, received in our office regarding the above referenced loan account." Do you see that? A. Yes. Q. And then the next -- after that first paragraph, the next line is, "Per your request, please see the enclosed loan payment history for your review." Do you see that? A. Yes. m TALTY COURT REPORTERs, INc. 1o1408.244.1 900 - www.taltys.com 10 ll 12 l3 l4 15 16 l7 18 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August 04, MARIA M. MORELOS vs REYNALDO MORELOS 2021 Q. Do you recall having received this Exhibit 16 at the time in November 2019? A. I don't recall. Q. Okay. I will ask you to turn, please, to page 182. A. Okay. Q. Okay. So this page seems to have the total principal balance amount owing during the period of June 2011 through December 2011. Do you see that? A. Yes. Q. And I just want to focus on the amounts for September 22nd, 2011. And on the left-hand side -- the column on the left-hand side, it has the dates on it. Do you see that? A. Yes. Q. And so if we just look at the topmost line September 23, 2011, and you go over to where it says, "Principal Balance Amount." Do you see that the principal balance owing at the time iS $576,688.76? A. Yes. Q. Okay. Does that sound about right to you, as to what the principal amount owing in that amount was in that time period in September -- m TALTY COURT REPORTERs, INC.408.244.1 900 - www.taltys.com 102 lO ll 12 l3 l4 15 16 l7 18 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August O4, 2021 MARIA M. MORELOS VS REYNALDO MORELOS A. Yeah. Q. Let me just repeat the question. Does that sound right to you as to what the principal amount owing in September 2011 was? A. Yes. Q. So then I would like to, please, ask you to turn to page 188. A. Okay. Q. And this should be Exhibit l7. (Exhibit No. 17 was marked for identification.) BY MR. RAMSEYER: Q. Is that what you see? A. Yes. Q. Okay. So if you would please turn to the next page, which is 189. A. Okay. Q. So pages 189 to 200 -- so pages 189 to 200 seem to me to be part of a title report. Does that look right to you -- sound right to you? A. Yes. Q. Okay. And do you know when this was prepared? A. I don't recall. I can find out, but I don't recall. Q. Okay. Do you know for what purpose this was E TALTY COURT REPORTERS, INC. 103408.244.1900 - www.taltys.com 10 ll 12 l3 l4 15 16 l7 18 l9 20 21 22 23 24 25 DEPONENT: REYNALDO RAFAEL MORELOS August O4, 2021 MARIA M. MORELOS VS REYNALDO MORELOS CERTIFICATE OF REPORTER I, PRISCILLA GWALTNEY, a Certified Shorthand Reporter, hereby certify that the witness in the foregoing deposition, REYNALDO RAFAEL MORELOS, was by me duly sworn to tell the truth, the whole truth and nothing but the truth in the within-entitled cause; that the testimony of said witness was taken down in shorthand by me, a Certified Shorthand Reporter and a disinterested person, at the time and place herein stated, and that the testimony of the said witness was thereafter reduced to typewriting, by computer, under my direction and supervision. I further certify that I am not of counsel or attorney for either or any of the parties to the said deposition, nor in any way interested in the outcome of this cause, and that I am not related to any of the parties thereto. I hereto declare under penalty of perjury that the foregoing is true and correct. I have hereunto set my hand on August 7,4gpgl. PRISCILLA GWALTNEY, CSR NO. 13316 m TALTY COURT REPORTERs, INc. 116408.244.1 900 - www.taltys.com Exhibit “B” (To Declaration ofRyan Ramseyer) Exhibit “ 1 ” Deposition ofReynaldo Morelos 01 Reynaldo Morelos Page 1 W1 pa ‘1 12945234 HSI7PAGE|255 om'er No. Escrow No. 14643900 Loan NO' 32$ FEE é? Humid It nuRM oi I ___ l‘ 2‘2: Q Fist AlumniWI0mm 0t toWHEN RECORDED MAIL To: l. "1’ I mo \o - .I‘L' 1 3 1995 ' h RICARDO A. MORELos, Er AI- |' -~ r ' w" ML U1 Clo 7555 RAILROAD STREET _..= mummusinw '3: GILROY, CA 95020 95:; u, [a 5am,cmmm. mascara J. ‘ -c!ewa/ . . SPACE ABOVE THIS LINE FOB RECORDER? LEE”ML TAX STATEMENTS w‘ DOCUMENTARY TRANSFER TAX3-m- X Conuulod on mo oonalconlkm at van. oi pluoom omvoy-d; OR SAME As ABOVE Omnpuled m tu- mmmiun o: van u-m o: «1mm mrn'n'nu n! line d uh. me; Shannan a Damn.“ «Mail dammhlna lax - Flam Nan» an-oz-ona GRANT DEED FOR A VALUABLE CONSIDERATION, rece=pt oi which is hereby acknowledged. KENNHH L PETERSEN. As SUHVMNG JOINT TENANT. BY DAVID B. PETERSEN. HIS ATTORNEY IN FACT ' __ hereby GRANT(S) to RICARDO A. MORELOS. A MARRIED MAN As HIS SOLE AND SEPARATE PROPERTY: AND REYNALDO R. MORELOS. .. A MARRIED MAN As HIS SOLE AND SEPARATE PROPERTY :he :eal propeny in lhe City of GILROY County of SANTA CLARA . Slale of Caliiomia. desaibed as SEE LEGAL DESCRIPTtON ATTACHED HERETO AND MADE A PART HEHEOF H ah- L, E [enL-L... s. L... L‘ Dated __Jungzfl NW: STATE 0F CALIFORNIA q -. 3:” mucomm 0F mm_m1...? 3 ms allorney In lam “'°'° "' 'm_%zrwarmfi + 1, pomonnllv known Ia ma (or movod lo mo on lho basis of mainstay guanine) llo be tho persona) whose name(s) id”. aubncnbud Iu I ‘ “mm ASmum i wulhln thnom and ncknowtodgod lo mo that hdshdlhoy .X " "coma man“ dammo meum. hmnhoir amnoaizod cumming. ma um E .3. "amWWW a byhmhorllhoir algmlutols) on tho lnslmnmn! Iho panama) or mo J ' entity u mu o! which Ibo moms) mun. nomad mo L v -,;:.:/ mm.mmW . 1i?ITImam "F" WITNESS M I (Thu an bl emu mum m1 .I Signalwo a - -- -- -«~.~.-.- Ana No 6W a; 053’ m ’ _ - ‘ I. K .1 i -"'¢.. ~ - “.1. L' r. ‘43. ' Mulch; D'i-n-e‘ - - '_ / Iln-‘nmn‘zss Order No. 277993 Paw N0. 5 LEGAL DESCRIPTION REAL PROPERTY In the City ol Gilroy. County of Santa Clara. Slate ol Calimmla. desaibod as follows: Beginning at a palm In mo Nonhaaslany line o! Momaroy Slmel. éslanl thereon N. 20' W. 158.91 foo! and N. 23' 22' W. 528.86 [eel from Its Intersection with Iho prasanl axlsilnc Nomwastafly llno u! Marlin Lane. mid point o! beginmng being also dsunl along saJd Northeasleny L'm o! Monluray Sueol N. 20' w. ”1.52 'ee! n:nd N. 23' 22‘ w. 528.36 feel tram mo most Samherly comer oi Sub Ln! o-A hereinafter Mama lo. running hence along sald Northeasteriy lino o! Mcnleray StraeI N. 23" 22' W. 100 real to Iho most Soulhady mmr of 0w oonnin parcel of land canvayad by Maw Jane MuSLay lo John Gurfies. 61 m. by Daoama June 4. 1929 in Book 463 of Otficial Records. page 157. runnlng thence along tho Somhaaslurty line d mo pales! or land so oonvoysd to said John Gum‘ns. ol ux. N. m‘ 36' E. 145.79 foal Io mo SouthwasIerty Ilm d the property o! the Southern Pacific Railroad Ownpany. a corporation. mnnlng theme along Hue said Soulhmmody Gina o'l the property or mo Soulham Pacific Railroad Campany. I corporaflon. S. 29' E. 91m tool: mama tunnlng S. 65‘ 38' W. I54.65 (eel Io the point nl beginning. and being a portion ol Sub Lot B-A. as shown m Map No. 8. accompanying Report ol tho nefanaas In "Milieu Anion In m9 Suaaflof CALM cl m8 SING d Callfornia. in and for the County 01 Santa Cfnra. entitled. Henry Mlller. at al. Plaintifls. w. Massey Thomas e‘l o]. Defendants. Aczion No. 5536. AFN: 841 -02-008 . ' . ' I _ +.' . . . ‘ ,. r I . *W._..Ih*. '3‘" ' ”1 D. -'. _.L.,‘n._r._:;_l_h-_.r;._b .' r: ‘ t Exhibit “C” (To Declaration ofRyan Ramseyer) Exhibit “ 1 2” Deposition ofReynaldo Morelos 12 Reynaldo Morelos Page 89 'u. 6/4/21 APERAISALmOURCE a rfl D IJ' A SUMMARY APPRAISAL REPORT OF AN AUTOMOTIVE PROPERTYW 7896 MONTERBY ROAD GILROY. CA 95020 W CHRISTINA CARTER MERCURY REAL ESTATE SERVICES, LLC 1301 VIRGINIA DRIVE, SUITE 300 FORT WASHINGTON, PA 19034W STUART WDL F, [FA CERTIFIED GENERAL APPRAISER NOVEMBER 3, 2007 Page 90 RMORELOSOO1 264 APPRAISAL RESOURCE c u rR O Christina Carter November 15, 2007 Mercury Real Estate Services, LLC 1301 Virginia Drive, Suite 300 Fort Washington, PA 19034 Appraisal of: 7896 Monterey Road, Gilroy, CA 95020 Dear Christina, At your request and authorization, we have personally inspected and prepared a summary appraisal report on the above captioned property. The purpose of this report is to provide a cun'ent opinion of market value of the Subject property in as is condition. Property rights appraised are the fee simple interest in the real property. The final opinions of value are based on the analysis, research and field notes retained in our work files and are contingent on the assumptions and limiting conditions listed in the accompanying report. Based on our analysis, it is our opinion that the estimated value of the property as of November 8, 2007 (the date ofsite visit) is: $1,075,000 One Million Seventy Five Thousand Dollars We trust this report meets with the needs of your request. Should you have any questions, or require clarification on any of the points addressed, please contact us. Respectfully submitted, Appraisal Resource Group ' “lam. L e eese Juan Wolf FA License # AT042861 Sm Certi cat: # A0006259 Expires 7/24/09 Expires 9/9/08 Appraisal Resource Graig O 30 E. &n Joaquin SI... #104 l Salinas. CA. 9390! 0(830- 753-5315 Pqe fl 2 RMORELOSOO1 265 Page 91 EXECUTIVE SUMMARY OF FACTS AND CONCLUSIONS Property Information Lender's Loan #: Property Name: Address: Tax ID: Property Type: Proposed Use: Owner of Record: Delinquent Property Taxes: Building Characteristics Number of Units: Percent Occupied: Year Built/Condition: Substantial Deferred Maintenance: Building Area: Site Characteristics Land Area: Zoning Designation: Conforming: Highest & Best Use As If Vacant: As Improved: Excess/Surplus Land: Valuation Information Property Interest Appraised: Effective Date of Appraisal: Exposure Time/Marketing Period: Market Value Indications 2] 57357 Automatic Transmission & Clinic 7896 M nterey Road, Gilroy, CA Automotive Repair/Light Industrial N/A Ricardo Reynaldo Morelos $1 1,635 (Years ’05 & ’06) One 100% (Owner Occupied) Circa l948/Average-Fair Condition None noted 6,394 sf- Main building footprint 388 sf- Mezzanine l 700 - u u Ial shed 7,982 sf» Total Building Area 15,000 sf - (As perpublic records) DED - Downtown Expansion District Subject Site Conforms to Zoning Commercial Use Current Use N/A As Is - Fee Simple November 8, 2007 Four to eight months Cost Approach: N/A Sales Comparison Approach: $1,075,000 Income Approach: N/A Value Conclusion Real Estate: $1 075,000 Insurable Value: S 600,000 Allocation: Fumiture/Fixmres N/A AppraisaIResom-ce Group o 30 E. San Joaquin 9.. #104 o Samar. CA. 93901 0(830- 753-5315 Page # 3 RMORELOSOO1 266 Page 92 TABLE OF CONTENTS CoverPage ........................ Transmittal Letter ............................................ Executive Summary ............................................ Table of Contents ............................................ Synopsis ............................................ Certification of Appraisers ..................................... Location Maps ..................................................... Neighborhood Data ............................................ Site Data ............................................................ Highest & Best Use ............................................ Maps: Parcel, Satellite Photos, & FaultZone, ............. Building Data ............................................ Building Diagram ............................................. Subject Property Photos ............................................ Overview ofthe Three Approaches to Value . The Sales Comparison Approach to Value Value Conclusion ............................................ Insurable Value .................................................... Addendum & Exhibits ............................................ Insuwble Replacement Cost Value 2007-2008 Tax Bill Engagement Letter Preliminary Title Report Statement ofContingent and Limiting Conditions The Appraisal Process Value Definitions Santa Clara County Gilroy City Data Appraisers’ Qualifications ......... 01 ........... 02 ........... 03 .V ......... 04 ........... 05 ......... 08 ......... 10 ........... l l ......... l6 ........... l9 .......... 20 ........... 24 ........ 27 ........... 28 35 36 ........... 46 ...... ... 47 ........... 48 Appraisal Resource Group 0 30E. 5‘0anqu St. #104 O Salim. CA. 9390) 0(831) 753-5315 Page 93 qu # 4 RMORELOSOO1 267 SYNOPSIS Intended User, Use, & Purpose of Appraisal: This report is for the use of Mercury Real Estate or its assigns. The intended use of this appraisal is for documentation in a federally regulated loan uansaction. This appraisal report is intended for the use stated and for no other use whatsoever. The purpose of the appraisal is to provide a current opinion of market of the subject property in as is condition. An insurable value is also developed and presented in the addendum of this report. The definitions of market and insurable value are included in the addendum of this report. The effective date of this appraisal is November 8, 2007, the date of site visit. Scope of Work: The subject property was inspected and the report prepared by those appraisers named in the Certification Statement. The extent of assistance provided by any additional person(s) is also described in the Certification Statement. The appraiser fully inspected all areas of the various buildings and site. The building improvements were measured and sketched to provide a layout of the improvements and their location on the parcel. A search of all available resources was made to determine market tends, influences and other significant factors pertinent to the subject property with the most relevant factors extracted and considered. Research included local and regional data, market trends, sales data of comparable preperties, and capitalimtion rates applicable to the subject. A highest and best use analysis was done on the subject property and the subject is appraised according to that use. The highest and best use of the subject parcel “as if vacant” is determined to be a commercial use. The highest and best use “as improved” is the current use. The data gathered and the research performed was correlated into an estimate of value using only the sales comparison approach to value. The cost approach was not developed because the subject building suffers from significant depreciation and buyers do not typically base decisions on the cost of the component parts. Appraisal Resoww Group O 30 E. San Joaquin 3L. #104 O Salinas, CA. 93M] OM3II- 753-5315 Page # 5 RMORELOSOO1 268 Page 94 SYNOPSIS Scope of Work (continued): The ihcome approach has not been used in this appraisal because it does not yield a reliable value estimate. The subject is most likely to be purchased by an owner user who is likely to pay more than an investor for the same propeny. Most properties similar to the subject are purchased by owner users and indicate low rates of capitalization. While applying the capitalization rate of these comparables yields a reliable value estimate for the subject, it does not yield a rate acceptable to a typical investor. Capitalizing net income using a rate acceptable to an investor yields an unrealistically low value estimate for the subject. An insurable value is also included per the client’s request. Building costs are based on Marshall & Swifi cost data as well as conversations with local commercial builders in the area and fi‘om actual builder’s cost estimates for commercial buildings. This insurable value is contained in the addendum of this report. Type of Report: This appraisal is a summary report as defined by USPAP. A summary report does not typically show all the data collected and analyzed, it contains a summary of all information significant to the solution of the appraisal problem as well as data considered essential in order to enable the reader to understand the analysis and value estimate. Subject Property: The subject is used to conduct the business operations of Automatic Transmissions and Clinic. The building improvements include a main automotive building at the front of the site and a quonset hut (metal shed) at the rear. The main automotive building has a building footprint of 6,394 sf and a small mezzanine of 388 sf. The building has an office, four roll up doors which include one double wide roll up door, storage/parts areas, and multiple work areas. Overall, the main building is in average to fair condition and ofaverage quality. The quonset hut is metal and resembles a large culvert. The quonset hut is used for storage and has a limited remaining economic life. Appraisal Resonate Group 0 JOE Sm Joaquin St, M04 o Salinas. CA. 9390} I {830-753-5315 RMORELOSOO1 269 Page 95 SYNOPSIS Fixtures, Furniture, & Equipment (FF&E): This appraisal only values the real estate and associated bundle of rights only. The business equipment, including vehicle service lifts, is not valued in this appraisal. Extraordinary Assumptions & Hypothetical Conditions: [t was not necessary to employ any hypothetical conditions or extraordinary assumptions in reaching the subject's value conclusion. Marketing and Exposure Times: The value conclusion is based on an exposure and marketing time that is typical for the area and property type. Based on market activity over the past several months and forecasting into the near future, both marketing and exposure times are estimated at four to eight months. Appraisal Remmte Grow o 30 E. SanJamuin 9.. #104 n Salinas. CA. 9390! 0(831) 753 5115 Pge # 7 RMORELOSOO1 270 Page 96 CERTIFICATION OF THE APPRAISERS I hereby certify: I have personally examined the property and have made an exterior inspection of all comparable data listed in this report. I have no present or future contemplated interest in the property appraised; and neither the employment to make the appraisal, nor the compensation for it, is contingent upon the value reported. l have no personal interest in, or bias with respect to the subject matter of the appraisal or the participants involved in the appraisal. The Opinion ofMarket Value is not based in whole or in part upon the race, color, or national origin of the prospective owners or occupants of the property or owners or occupants ofpropertics in the vicinity of the property appraised. To the best of my knowledge and belief, all statements and information in this report are u'ue and correct and that I have not knowingly withheld any significant information. All contingent and limiting conditions herein (imposed by the terms of the assignment or by the undersigned) affecting the analysis, opinions and conclu- sions, are contained in the report. This appraisal report has been made in conformity with and is subject to the requirements and Code of Professional Ethics and Standards of Professional Conduct ofThe National Association of Independent Fee Appraisers. My current and future employment was not conditioned upon the appraisal producing a specific value or a value within a given range. That my compensation was not contingent upon the reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value estimate, the attainment of a stipulated result, or the occurrence ofa subsequent event. The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions, and are my personal, unbiased professional analyses, opinions and conclusions. I have the knowledge and/or experience necessary to complete the appraisal assignment competently. Appraisal Rawmce Gmup o 30 E. Sanloaquin Sn. #104 o Salinas. CA. 9390! 0(831) 753 5315 Page fl 8 RMORELOSOO1 271 Page 97 CERTIFICATION OF THE APPRAISERS All conclusions and opinions concerning the property that are set forth in the report were prepared by the Appraisers whose signatures appear on the appraisal report. LIL ‘v’dtbbt. fl/ Lylc' Weese gram! Wolf FA License # AT042861 State Ceni cute # AG006259 Expires 7/241'09 Expires 9/9108 Appraisal Rumm Gmup l JOE SanJoquin SL, “04 I &lilfl:. Cl. 939W 0(83I)-753-53I5 RMORELOSOO1272 Page 98 LOCATION MAPS REGIONAL LOCATION MAP u... m... .. E amylase” $2.me v ' a u '9 1‘ 3" muaz-n um” GILROY CITY MAP um Mlmmsumm. D $9- 95 16 1 m 1:4mm Htfll’n DI-Imfl-I Wu!3mm I 30 E. blown 81.. MW I Salim. CH. 9M! O(RiJJ-flJ-SJH RMORELOSOO1 273 Page 99 NEIGHBORHOOD DATA Ouick Reference - neighborhood statistics Neighborhood Statistics Balanced Increasing N/A 0% N/A NIA N/A 40% Over Supply* Stable s to 10% 37% Balanced Stable 3 to 5% . 8% Over Supply‘ Stable 5 to 10% 10% Balanced Stable 2 to 4% AREA RATINGS Property compatibility Average Distance to freeway < l mi. Police & Fire Protection Average ?'Stame to pubhc 1+ block _.- ransLort. Overall area maintenance Ave' DIStance to Shappmg .5-3 miles Good centers Appeal & appearance 83:; Distance to empl. centers 1-5 miles I . Distance to Central Bus. 0 - 3 Access and transportanon Good Dist. blocks . R 'I . Change m present land use "Iii: J; Population trend Up Change in economic base Unlikely Vacancy tend Stable Commercial rental demand Ave-Fair Value trend Stable *Although there are cunently many vacancies for both office and retail units in the neighborhood. the absorption rate is expected to be rapid now that skeet improvements have been completed. The former president of the Downtown Association indicated several restaurants and other retailers are slated to move into several of those spaces in the near future. With additional growth planned, the outlook for the area is positive. Appraimlflemurce 6mm 0 305. SM Joaquin 3.. #104 U Salinar, CA. 9390! I(BJI) 753 5315 Page fl I l RMORELOSOO1274 Page 100 NEIGHBORHOOD DATA Neighborhood Boundaries: The subject is part of the Downtown Gilroy Specific Plan which is divided into six neighborhoods as shown below. The subject is in the Downtown Expansion District (pink). Ea mfi%§%£flj¢fg “W Ea 5%...“in $§ gmémmfi 'OWNTOWN GILROY SPECIFIC PLANW DISTRICTS MAP f rm I: . mun? Neighborhood Description: As the retail sector of Gilroy developed over the years along the eastern side of Highway 101, the downtown area of Gilroy has struggled to compete. One of the largest retail outlet centers in the nation is located in Gilroy along Highway 101 as well as two other large shopping centers, while the historic downtown area is made up of smaller local retailers such as antique shops and specialty retail stores. A new Specific Plan was recently implemented ‘0 reinvigorate the downtown area and entice new businesses to locate there rather than in other commercial corridors. Downtown Gilroy has a small-town atmosphere with numerous historic buildings in the area. The downtown core has narrow lots with buildings at the street edge and varied land uscs. In contxast, the nonhem and southern peripheral portions of the downtown area are characterized by larger, self-contained parcels that are automobile-oriented in nature. The western portion of the downtown area is made up primarily of historical homes that are beginning to transition into a professional office district. AppraLval Resource Group I 30 E San Joaquin St. MM I Sallnm. CA. 9390! trail)- 753 5315 RMORELOSOO1 275 Page 101 NEIGHBORHOOD DATA Neighborhood Description (continued): A significant factor in the Downtown revitalization plan includes redeveloping the former cannery on Lewis Street to market rate and affordable housing. The cannery was once the economic and social center ofdowntown, operating for nearly 100 years and closing in 1997. The cannery was then used by a packaging company until 2004 when it became vacant. The concrete buildings were recently demolished to make way for the Cannery project which includes 62 condo-lofis, S6 condo-flats, 16 stacked townhouses, 15 live-work townhouses, 57 single-family homes and townhouses, and 40,000 sf of retail space. Construction is already underway and developers hope this will bring increased foot tmfl'lc to the downtown area. Transportation: Monterey Street is the main arterial street through the Downtown. At its southern end, it connects with Highway 101, and at its northern end, connects with Highway 152. The Gilroy train station is located in the downtown area and services CaITrain commuter trains and Valley Transit Authority; links to Greyhound, Monterey County, and San Benito County bus routes; and acts a hub for taxis. Employment: About one-third of Gilroy residents commute to work in the high tech industry in the Silicon Valley. The skilled, informational-related technology labor of Gilroy is supplemented by the manufacturing trade and a strong local retail community. The employment centers for Gilroy include the local cities of Gilroy and Morgan Hill, in addition to the vast metropolitan area of San Jose (Silicon Valley) and the San Francisco Bay Area. Shopping: The Gilroy Premium Outlet Stores are located off of Highway 101 at Leavesley Road. Gilroy Crossings is located off of the 10‘" Street exit. These stores draw, not only a local, but also a regional crowd fi'om the Silicon Valley to the Monterey Peninsula. AppraisalResauxe Gram 0 305. Sm Joaquin Sr., #104 I Salinas. CA. 93 90! 0630-7534315 Page # 13 RMORELOSOO1 276 Page 1 02 NEIGHBORHOOD DATA Adverse Influences: No adverse trends or changes are present which might affect the subject’s value in the foreseeable future. General Market Value Trends: Market values of all types of real estate had been rising rapidly over the last several years, more recently however, the rapid growth in the residential housing market has slowed. Conventional financing is predominant in the market, while owner financing is not common at this time. With few exceptions, most sectors of the commercial real estate market have experienced significant capital appreciation over the past five to ten years, although not at the dramatic levels seen in the residential sector. This noteworthy appreciation of real estate has caused a change in the perspective of investors and in tum, a drop in capitalization rates. In the past, investors have counted on cash flow for the return on their investmenL Now most investors are willing to accept negative cash flow investments in hopes of a hefiy profit fiom reselling the property. Typical market capitalization rates range from 3.5% to 6.5%. In addition, many commercial properties are being purchased as 1031 exchanges. These buyers are ofien willing to accept little to no cash flow in return for the tax advantages coupled with capital appreciation. Owner users are also more likely to purchase properties for lower rates of capitalization than investors because they are anticipating the benefits from use of the property in addition to capital appreciation. Gilroy Value Trends: The Specific Plan for the area details the downtown‘s advantage over the outlets and large shopping centers in that it has a certain character and charm reflecting Gilroy’s history, pedestrian orientation, and transit access that make it an ideal location for restaurants, cultural and arts activities, entertainment, small and medium size businesses, and specialty retailing. The demand for these types ofscrvices is expected to grow as population increases in the area. Apprm'sal Resource Group I 30 E. mJanm‘n 31.. #104 O Sdlna. CA. 93901 0(8311-753-53” Pqe fl I4 RMORELOSOO1277 Page 103 NEIGHBORHOOD DATA Downtown Gilroy Value Trends (continued): The Downtown Specific Plan Task Force has accepted a twenty-year lifespan development level of 994,500 square feet of new commercial floor area and 1,576 new residential units in the area fi'om Leavesley Road to the north to Luchessa Avenue on the south. The alley on the east side of Railroad Street serves as the primaly boundary on the east side of Downtown, and the alley between Eigleberry Street and Church Street is the primary boundary on the west. At this rate, an annual average of 79 new residential units and 49,725 square feet ofcommercial floor area is expected for each of the next 20 years. Gilroy has ample vacant land for sale which has kept land prices steady over the past several years. With so much commercial land for sale, purchasing a lot and constructing a new building to suit is a viable option. This impacts the market for building sales by only allowing for small annual increases in sales prices. However, in the subject's downtown district, vacant land is not as abundant. During our site visit, we noticed numerous for lease signs throughout the subject’s neighborhood for both retail and office units. Throughout 2006, the sidewalks were torn up because of a steet beautification project. During that time, the sales and rental market were soft because of the inconvenience of the street work and lack of traffic through the area while the construction went on. The sidewalks were completed at the end of 2006 and since then the market has been making a come back. With attractive streets and plans for a significant amount of new units in the next several years, the market is gaining strength. There are also plans for a great deal of additional retail space in the immediate area in the coming years. While rents are expected to trend upward, this additional supply of new units may slow that trend far older spaces unless some cosmetic modemization is done. The revitalization will benefit not only the downtown area, but also the businesses outside of the downtown area along the main thoroughfares such as Monterey Road. There are many automotive service uses along Monterey Road. No vacancies were noted in these comparable automotive buildings. The lack of vacancies indicates the rental market for automotive properties is strong. However, the majority of automotive buildings in the area are owner operated. None the less, the rental market for automotive properties with good visibility such as the subject is believed to be strong. Automotive properties with above average visibility such as the subject are generally in demand in the region, whether it be Santa Clara, San Benito, Monterey, or Santa sz County. Appraisal Resource Group 0 30 E. hlaaqm'n SL. #HM I Salinas. C‘A‘ 9390! 0(83” 753-5315 Page # 15 RMORELOSOO1 278 Page 1 04 SITE DATA Quick ReLerence - Subjecl sire infiqrmau'on l5.000 sf Generally level _ ‘ 100 feet Monterey St “9min“mm“ Average Cunent use Average Mostly rectangular None noted Average None noted 53% Appears adequate S l 85,990 Appears adequate. S l 85,990 No site specific soil survey has been reviewed. All public - Asphalt. FEMA Zone X Sidewalks, curbs, Map Panel and gutters 0603400002D Effect. 8/1 7/98 All public No Alquist Priolo zone. __ None noted None noted Delinquent Taxes: The subject had a total of $1 1,635 in delinquent taxes as of l 1/09/07. It was indicated the delinquent taxes were for the years 2005 and 2006 and did not include the upcoming 2007 taxes. The title report indicates a tax lien to the IRS in the amount of $40,082. Property Taxes Subject to Sale: If the subject were to sell for the value estimate of $1,075,000, it is estimated property taxes will increase to $l2,824 yearly. The amount is calculated by multiplying the anticipated sales price by the base tax rate ($1,075,000 x .Ol I731) and then adding flat rate Special assessments ($213). Appraisal Rai'oum Group I 30 E. Sm Joaquin St, #104 0 Sarina): CA. 93W! I(B3I) 753 53l5 Page # I6 RMORELOSOO1 279 Page 105 SITE DATA Physical Characteristics: The subject parcel is generally rectangular, level, all usable, has 100 ft of frontage along Monterey Road, and totals 15,000 sf (per public records). The width of the parcel narrows at the rear to 92.99 fi. The southern side of the site has a depth of 154.39 ft, while the nonhem side has a depth of 145.79. The subject is located at the top of a “T" intersection. Monterey Road continues through the intersection while l" Street ends. Street Improvements: Monterey Road is a four lane public street with a center turning lane curbs, gutters, and sidewalks. Access & Visibility: The subject parcel is an interior lot on a main arterial street, but is located at a “T“ intersection which increases visibility. Highway 152 passes by the subject along Monterey Road and then turns onto First Street at the “T” intersection. Highway 152 connects Highway 10] with Highway 1 near Watsonville. The subject has average to good visibility and fair access. Parking: Limited street parking is available along Monterey Road. There is room for one to two onsite parking spaces although there are currently no spaces designated. The rear yard could possibly be converted to a parking area, although access would be difficult. There is only a narrow access drive to the rear of the site along the northern side of the parcel. Utilities: All public utilities are readily available to the subject site. These utilities include sewer, water, natural gas & electricity, and garbage. High Speed Internet is also available in this area- Electrical and utility lines are above ground. Adverse Conditions & Hazards: No adverse influences or conditions were noted. The subject is not in a flood or high seismic hazard zone, there are no gas stations within close proximity of subject. No encroachments were noted. This report has been prepared without the benefit of a site specific soil survey and it is assumed that there are no adverse soil conditions. Appraisal Resource Group I 30 E. hJoaquin SL, #104 0 Salinas. CA. 93901 0(83l)-753-5515 Page # 17 RMORELOSOO1 280 Page 106 SITE DATA Seismic Hazards: The subject is outside of a fault zone, but is located within two miles a fault zone (see maps on page 23). The Calaveras Fault is located about two miles east of the subject. The Sargent and San Andreas faults are located more than 3 miles west of the subject. Santa Clara is on the list of counties in California affected by the Alquist- Pn'olo Zone provided on the California Geologic Survey website. The Alquist-Priolo Earthquake Fault Zoning Act's main purpose is to prevent the construction of buildings used for human occupancy on the surface trace of active faults. The Act only addresses the hazard of surface fault rupture and is not directed toward other earthquake hazards. Flood Zone: The subject parcel is not located within a 100 year flood zone. The flood map does not indicate which zone it is in however. Public records indicates zone X which is defined by FEMA as being outside of the l-percent annual chance ([00 year flood zone - zone A) floodplain. Flood insurance is not required. Zoning Data: The subject parcel is zoned DED - Downtown Expansion District. The intended purpose of this zoning designation is recognize an area suitable for the expansion of downtown retail and mixed use developments which expands the synergy of the DowntOWn Expansion District and which caters primarily to the Gilroy Community. Minimum development regulations include: 0 Commercial and mixed use projects have a max FAR of2.5 Minimum lot size: None Front yard: None Side yard: None Building height: 50 feet Number of stories: 4 The subject appears to conform with the zoning requirements of the Downtown Expansion District. Appraisaf Resource Group O 30 E. SanJaaqm'n Sn. #104 O Salinas. GI. 9390! U(83U 753 5315 RMORELOSOO1 281 Page 107 HIGHEST AND BEST USE Before the valuation process can begin, a highest and best use analysis must be perfonned. The highest and best use analysis, as the name suggests, determines what the most suitable use would be for the property. The highest and best use analysis is done in two ways, “as improved”, and “as ifvacant”. Highest and best use is briefly defined as that use which (is): 0 Legally permissible. 0 Physically possible. ° Financially feasible. ' Will bring the greatest return to the land in monetary terms. The subject parcel is zoned DED - Downtown Expansion District. Allowable (legally permissible} uses include automotive repair and service, banks, bakery/coffee house, bowling alley, clothing sales/service establishments, grocery stores, gymnasium/health studio, office, personal services, retail sales, residential units, etc. Most of the allowable uses are both physically possible and financially feasible except for those limited by site area. The subject is located at the edge of the downtown commercial district in an area with a wide array of uses ranging from retail to light industrial. The highest and best use of the subject parcel, as if vacant, is determined to be a commercial use that maximizes the utility of the site and benefits from above average visibility. The highest and best use of the subject parcel, as improved, is determined to be the current automotive use. AppraisalRuomre Group c 30 E. Sal Joaquin SL. WM O &ll'nas. CA. 93901 0(831) 753 53’s Page fl l9 RMORELOSOO1 282 Page 1 08 ASSESSOR’S PARCEL MAP hmmnhm-m1-ulmvw Wmumu Ill CIIDIS Ila ll“ flu: gm mn'u Eli ”I ”III Slim I"! I .l I IO... mm '5 a u . a I I u Appraisal Rmurre Group I 30 E. San Joaquin SL. #Md I Salinas. Oi 9390) I {83H-753-5315 Page fl 20 RMORELOSOO1 283 Page 109 ASSESSOR’S PARCEL MAP (Close Up) Swain uni-m-Illdm NWEVM.mum.§m ldl ]§E Efigag 5.33,: I 53 . SHE n; “3.564 “I ml: : rgq Iprfl 3 éggéagiggfl;gwusuu SOUTHERN nnmrm ~fi "1. '3 II\ 9. qt':afJ? >ri'u'li pg E____Jm&_iu_fg gt) Effi-Hog r2. 9'90 a_t:ao" :aufi' 5% 53:5” E £533 I4 O V 29 I4 l 1 E fil . 2 a Appraisal Resoutre Group v 30 E SanJaaqu'm 5L. 0104 0 Salinm. CA. 9390! 0(831}753-5315 Page” 2| RMORELOSOO1 284 Page110 SATELLITE PHOTOS Appraisal Resource Group I 30 E. San Joaquin 5L, “04 0 Salinas. CA. 9390] 0(831)-753-53I5 Pqe fl 22 RMORELOSOO1285 Page 1 1 1 FAULT ZONE MAP u b ul- nu .ib v“a m. unum wnn- -pu u- flmflm runn-m-ow melanin-Mn Ina-n'vu -. 2"- r"!Jm= .LM-n5mGum RMORELOSOO1 286 Page 1 1 2 BUILDING DATA (Main Automotive Building) TotalB Area 782 sf Finished Area I 86 Number of baths Two Actual Effective Total economic life 80 Foundation Frame Lighting Roof Exterior walls Floor Cov Interior walls Ceilin Roll doors Frame system Li Interior walls Ceilin Fl Desi and Floor la Construction uali Overall condition Built circa 1948 59 old 40 economic life of40 Material Condition Concrete slab Concrete block and wood Florescent Metal Concrete block Bare concrete Concrete block beam Four Material flood Florescent or concrete block acoustic or tile or concrete 7*___._, -, _ _ & functional util' A Fair Avera A Fair Apprabal RemurE-z' Gmup O 30 E. San Joaquin 5]., “04 0 Salinas, CA. 9]WI I(JJH-753-53l5 Page K 24 RMORELOSOO1287 Page 1 1 3 BUILDING DATA Overview of Building Improvements: The building improvements include a main automotive building which has a footprint of 6,394 sf and a small mezzanine of 388 sf. There is also a quonset hut at the rear of the site which totals 1,200 sf. Main Automotive Building: The main automotive building has finished, work, and storage areas. The finished area totals 1,] 86 sfand includes a reception area, fi'ont desk work area, a break room, an office, and two restrooms. The front reception area has large windows in the front, which give it good natural light. The work and storage areas make up the rest of the building footprint. The front of the work areas has four roll up doors- One of the roll up doors is very wide (about 25 feet). The wide door provides the same utility of two standard width roll up doors. The storage areas have a similar finish to the work areas. The mezzanine is very basic with unfinished sheetrock walls. This area is currently being used for storage. The mezzanine area is typical of most mezzanine space of older buildings and adds little value to the subject. The main automotive building is located in the middle to front of the subject parcel. The building's layout on the parcel is somewhat inefficient. If the building were located along one of the sides at the rear of the site, the building would have better access and more onsite parking available. The subject building is deeper than typical modern automotive repair facilities, which are ofien long and narrow and ‘allow easy ingress and egress into service bays. The subj ect‘s value on a per square foot basis is not as valuable as a modern building with a more functional design and higher utility. Overall the main building is of average quality, in average to fair condition, and has an average to fair functional utility. Appraisal Resourm Group a 10 E. SanJoaqm'n Sn, #104 I Salinas CA. 93901 0(83!) 153-5315 RMORELOSOO1288 Page 1 1 4 BUILDING DATA Quonset Hut: A 1,200 sf quonset hut is located at the rear of the property. A quonset hut is a very basic a metal storage building. This building has a sliding d001' and provides additional storage area for the subject. However, this building is extremely basic, has a high degree of depreciation, and a limited remaining economic life. These factors reduce its value contribution. Fixtures, Furniture, & Equipment (FF&E): This appraisal does not value the business equipment including vehicle lifts, etc. The lifis are not built in and are only bolted to the ground and not permanently affixed. Other non-affixed items such as tools and equipment are considered personal property and arc not included in the subiect's value. ADA Compliance: The appraisers’ are not experts in the field ofADA compliancy and as such have not made a full examination of the property in this regard. Based on a cursory inspection, the restrooms do not appear accessible- Without the necessary expertise to evaluate compliance, it is assumed that the property does not conform with federal ADA regulations. Appraisal Resource Group 0 30 E. San Joaquin Sn. #104 o Salinas, CA. 93901 o (831) 753 53 15 Pqe # 26 RMORELOSOO1289 Page 1 1 5 BUILDING DIAGRAM mummies Hamming” _ mm v \ g unnu- a I g , E IA V 5:1“ a: - . n. ”WWI i tahum mum nu- Ou-am: hun- ll n ".8 -13IIJ9 II I II - nu I l... n u.a- II.- u o v.5 -nu.l n g IA - m5 “.5 x 9.: - 1am: -___ must man nJm- em; II- hul' II.” Im. un.’ I um 1L1. 1-1.“ I suntan '- “7 V laI-m-Dn-nnummmll "- ‘ -_--fi‘ Appmisal Resolute Group I 10E. San Joaquin St. #104 I Salinas. CA. 9390] C(83)) 753-5315 Fag II 27 RMORELOSOO1 290 Page 1 16 SUBJECT PHOTOS I Subject from across Monterey Road Subject property looking toward finished office area Appraisal Resource Group 0 30 E. San Joaquin $1.. #104 I Salinas, CA. 9390) 0(83!) 753-53 l5 Page l 18 RMORELOSOO1291 Page 1 1 7 SUBJECT PHOTOS Rear of subject Side ofquonset hut Appraisal Raource Group 0 30E San Joaquin 51.. #1 04 0 Salinm. CA. 9390i O (83!)- 753-5315 RMORELOSOO1292 Page 1 1 8 SUBJECT PHOTOS Front of quonset hut Access to rear yard and quonset hut Appraisd Resource Group 0 30 E. Sal Joaquin Sn, #104 O Sdmas, CA. 9390! 0(8311-753-5315 Page # 30 RMORELOSOO1 293 Page 1 1 9 SUBJECT PHOTOS Reception and front counter area Reception area AppraisalResoum Gmup c 305. San Joaquin SL. #104 0 Salinas. C'A- 93901 ‘ (331)-753-5315 RMORELOSOO1 294 Page 120 SUBJECT PHOTOS View of work area from just outside roll up doors Double wide roll up door work area Appraisal Resource Gmup o 305. San JaaquinSl., #104 a Selina. CA. 93901 0(83I)-753-5315 Page fl 32 RMORELOSOO1295 Page 1 21 SUBJECT PHOTOS Work area Storage/Parts room Appraisal Resource Group I 30 E. San Joaquin SL. #104 0 Salinas. (M. 9390] D(331)-753-53!5 RMORELOSOO1 296 Page 1 22 SUBJECT PHOTOS View north on Monterey Road View south on Monterey Road Appraisal Resource Group l 305. San Joaquin 57.. #104 0 Salinas, CA. 9390i I (831)-753-5315 Page fl 34 RMORELOSOO1 297 Page 123 THE THREE APPROACHES TO VALUE In the valuation of real estate, there are three accepted approaches to value. These three approaches include the Cost Approach, the Sales Comparison Approach (also known as the Market Approach), and the Income Approach. The Cost Aggroach estimates the cost to replace the improvements on the subject property (including all buildings, site cost and infrastructure). The cost approach estimates the subject‘s replacement costs based on cunent land value, building material cost, labor costs and capital cost, commonly known as the four factors of production. This approach is most applicable if the existing improvements represent the highest and best use and if depreciation is measurable. The Sales Comnarison Aggroach compares sales and listings of comparable properties to the subject preperty and makes adjustments (either in dollars or percentages) in order to reflect the value of the subject property. This approach is the most widely accepted because it accurately shows how buyers and sellers are interacting in the current market for similar properties The Income Aggroach to value takes the net annual income (Gross income minus expenses and vacancy loss) and capitalizes it using a rate which is either extracted fiom the market or "built up" using estimated rates of return typically desired by investors under current economic conditions. Once again, the accuracy of this method is predicated on the current use of the subject being at or near the highest and best use. Approaches to Value Applicable to the Subject: Only the sales comparison approach is presented in this appraisal because the subject is most likely to be purchased by an owner user. The cost approach to value is not presented because the subject building suffers from significant depreciation and buyers do not typically base buying decisions on the cost of the component parts. The income approach to value is not presented because properties such as the subject are not typically purchased by investors because owner users are willing to pay more. Applying a capitalization rate reflective of the desired return of a typical investor yields an unrealistically low value estimate. Apprniégf Raource Grasp I 30 E. San Joaquin SL. #104 o Salinas, CA. 9390! 48307534315 Page fl 3S RMORELOSOO1 298 Page 124 SALES COMPARISON APPROACH The Sales Comparison Approach compares sales and listings of similar properties to the subject and makes adjustments (either in dollars or percentages) in order to reflect the value of the subject property. This approach is the most widely accepted because it accurately shows how buyers and sellers are interacting in the current market for similar properties. The appraiser has made an extensive search for sales & listing data which are comparable to the subject. The search began in Gilroy, but was expanded as similar automotive comparables could not be found. In order m locate comparable properties the search was expanded as far south as Salinas and as far north as San Jose. The appraisers have listed those properties which were considered to be the most comparable to the subject property, and best indicate the present market value. No more similar comparables were available. The appraisers have chosen five closed sales as being most reflective of the overall market as it relates to the subject property. These comparables are listed individually on the next several pages. Each page has a photo of the comparable propeny and basic data about the comparable including the address, sale price, date of sale, and site and building information. This is followed by a brief comment section. A location map follows the comparables and shows the location of the subject and the comparables. Those comparables which have superior features are adjusted downward to the subject property. Conversely, comparables with inferior features are adjusted upward to reflect the value of the subj ect property Finally, an estimate of the subject’s value is made based on the adjusted value range of the comparables. Appraisal Resource Group I 30 E. Sal Joaquin 8L, #t04 c Salinas. CA. 93901 I (331} 753-5315 Pqe # 36 RMORELOSOO1 299 Page 125 SALES COMPARISON APPROACH Sale #1: 14 John Street, Salinas --- L .- Sfllr o. $ l ,500,000 7/‘3 1107 Pub. Records/BT Comm 002-391-002 & Greg Vien'a - Agent 002-391-019 Conv. Loan (52% LTV) Ilan’ Io Appling Pm Err‘.‘ i o, 6,800 sf 18,450 sf Em-40yuus 31% A A AveragelGDod Ohe ApTImx. 20 spacfi One v 7 Wharton'sIEMR Mark“! mm. $93,840 (5L) 5% $89,148 About l year $4,457 (est) l6.83 5% .0565 (5.65%) $84,691 $220.59 Income & This comparable is located right at the edge of the main financial district of Salinas. The building includes a total of five roll up doors and has a fimctional layout on the parcel. The building includes an office which is located along John Street. The building was formerly used to conduct the business operations of the automotive repair shop, Autowerks. The building was purchased by a flooring company, Wharton's Interiors. The listing agent indicated there were similar offers presented by buyers who intended on operating an automotive repair shop out of the building, but those potential buyers could not close as quickly as Appling. Appraisal Ruwn‘e Group o 30 E. Sm Joaquin SL, #104 I Sah'm, CA. 9390! -(83])-753 5315 RMO'RELOSOO1 300 Page126 SALES COMPARISON APPROACH Sale #2: 16415 Church Street, Morgan Hill ‘ u ‘ I . .L- .4 .‘. ' :1 J > .', -:-_“ .H. -4 Salt SLIOODOO |8078976 1 1237b}: MLS #415358 3l7-02-Ul0 Public Records Conv. Loan Alvarado toMay Pr cn’r 1' o 5,452 sf 21,344 sf Unk- Est. 20 years 26% Averagelgood Average One Adequate One Automotive Repair Income & lease Market m n. $8 1,780 (6L) 5% $77,69l 25 DOM $19,423 F ' 1116 25% (est) ’ 0.0530 (5.30%) $58,268 3201.75 This light industrial building has a small office in the front and three roll up doors down the side for automotive repair bays. ll appears to have been owner occupied a1 the time of sale, therefore income and expenses are estimated. Appraisal Remurce Group I 30 E. SanJoaquinSL. #HM I Salinas. CA. 939W I(BJU-Yfl 53M Pee fl 38 RMORELOSOO1 301 Page 127 SALES COMPARISON APPROACH Sale #3: 1320 Oakland Road, San Jose $1,450,000 19] 34653 ’x’a/bfiba- " 7 MLs #629111 24142-001 David Canchi - Agent Pn‘vatc Party Tropical 1V LLC to Tmn 27,878 sf 26% . AveragelAvcmge ' Averége/Goud '- Adequate Auto5W & lease irgfo. Marker m u $120,000 (act) 5% (esL) $714,000 nz DOM $28,500 12.72 25% (est) 0.0590 (5.90%) $85,500 $ I 99.95 This prepeny was a bankruptcy sale, but appears to have been marketed sufficiently and was on the open market for 112 days before selling, so it is not believed the bankruptcy influenced the sales price. The property was rented by two separate tenants at the time of sale, but sold to one ofrhe tenants who is apparently leasing a portion of the building to the other tenant. Income is based on actual rent at the time of sale and was provided by the listing agent. Expenses arc estimated. Appraiml Raowce Group I JOE. San Juaqm’nSL. #I04 I Salinas. CA. 9390! I (83!) 753 5315 RMORELOSOO1 302 Page 1 28 SALES COMPARISON APPROACH Sale #4: 1621 Freedom Blvd., Watsonville 8l24105 MLS #430799 016~0l3-009 Public RecordslAssmor Frifiell lo Calderon Pro srrr 1' 15,000 sf 27,725 sf EsL 30 403m. 54% Ave/Ave-Faip Shell " Memos! Four Rut parldng - adequah One Automotive Income & lease Marks: m o. $1 12,800 3% $109,416 175 DOM $27,354 1325 ‘ V 25%(est.) 0.0566 -’ $82,062 $96.67 ‘- This is a large automotive building that was previously leased by four tenants. The potential goss income above is actual reported Income from Ihe listing agent (gross leases). The buyer however uses lhe building for his OWn business. The building was divided into four spaces although the level of finish was primarily shell. The building was structurally sound at the time of sale yet dated and in need ofcosmetic updau'ng. Appraisal Raource Gmup I 30 E. Sm Joaquin SL. H104 o Sdinas, CA. 9390) 6(831) 753 5315 RMORELOSOO1 303 Page 129 SALES COMPARISON APPROACH Sale #5: 7652 Monterey Street, Gilroy V Sale i $ 1,400,000 1924l905 12/28/06 MLS #6548l6 817-04013 public Records Conv. Loan Jung to Walton Pro c’ n ‘ 4 a 9,3 75 sf 26.572 sf 56 yrs [I 950) 35% Avemge Average One fi- 4'4 spaces on site One Retail Income d} a: Mark” m/Er. $66,000 (actual) 3% $64,020 19 DOM $3,200 21.37” 5% (65L) 0.0434 $50,826 $149.33 This is an older. single tenant, reinforced concrete lill up building. It has a higher than typical parking ratio. It is under lease until 2008 to a Dollar Store. The lisfing agent reports that the front 1/3 of the building is retail space and the rear 2/3 is used for storage. The building is structurally sound yet in need ofminor cosmetic updating. Income is actual, reported by realtor. A slightly lower Lhan typical vacancy is applied because scheduled income is applied. Expenses are estimated based on NNN lease structure. Appraisal Resource Gmup I 30 E. San Joaquin SL. N104 I Salim. CA. 93901 I(83I)-753-5315 RMORELOSOO1 304 Page 1 30 SALES COMPARISON APPROACH COMPARABLE SALES LOCATION MAP {I . . ”floo-Q c.lflflll'lb" Ill. fl1m01mmm. Ian Jonfilly Jose - r - ‘f “ I ‘ ‘-. ' ' ' . ; . \lug. clung \~ org» Nlfl' c - m".w mm, ' ~ . h amp 0 :33?“ ”gm m. ‘ - y - ‘Nlmw church sums. Morgu-Haw . ' _. _" , ' ‘ 4.1s.____‘._- i‘- -~ -' ‘ ”u", v \ , comparable lane us ,t ‘. ,. g;- ’ 7352 Menu: 9L. cu u x - , W Human" I “- ompmblo Saltfl ' ' . '.._ . . ‘-_ R1 Prudun luluwmonvm- 'b. ‘~ . Y. ‘ ' ’ lulu Slum} unparalo Id. fl L :I e “JammnsulnlMb -- , .L 3 ‘. I 'aDcLORMF llama albgaloioaue. -mmn¢am.3nmnmmm:ms. U 5 ‘1 1E 24 ‘ www dalmnemm W ("3'61 Dd: 2mm 1-D mi 30 RECAP OF MARKET DATA $ l 500,000 3/3 1/07 16. l 2 . .33 $1 100 11/3/04 14.16 . $201 .76 $1.450 000 10/6/06 12.72 . $199.95 $1 450 000 8/24/05 13.25 . _ 96.67 31.400.000 12/28/06 2 l .87 . $ 149.33 15.62 0.0542 $1 71 .21 14.16 0.0566 $199.95 RMORELOSOO1 305 Page 131 Appraisalfluource Gmup I JD E. San Joaquh 51.. “0‘ a filinm. a. 93M) 0(831) 753 5315 Page fl 42 SALES COMPARISON APPROACH ADJUSTMENT GRID - V... ....‘. - _ salesprice $1,500,000 [$1,100,000 $1,450.000 $1,450,000 Sale Conditions _ '. _ Typical Typical Typical Typical _ ‘ Ia so so so Date ofS-le -' -‘ ‘ _ '_ " Jul-O? Nov-04 Oct-DG Aug-OS ‘ " i W. 3% 0v. 0% $0 533,000 $0 $0 Location Superior Similar Superior Infa'im' 5% 0% -5% 5% 0% -375,000 50 -5 72, 500 $72,500 30 AccessNisibilily Superior Inferior Similar Similar Similar Ave-Good -5% 5% 0% 0% 0% -375.000 556,650 50 30 50 Site Size 15.000 18.450 21,344 27,878 27,725 26,572 -534.500 $63, 4'40 $128. 780 $127,250 41 l5, 720 Building Area (sf) 6,394 6,800 5.452 7,252 15.000 9,375 $14,210 532,970 430,030 4301. 210 -S[04,335 Quality Average Superior Similar Similar Similar Similar -5% 0% 0% 0% 0% -5 75. 000 $0 30 $0 $0 Condition! Ave-Fairl Supa-iorl40 Superiorao Superiorl3 5 Similar/40 Superior/56 Aclull Age 40 yrs -5% -5% -5% 0% -5% 475,000 -356.650 -$72.500 $0 $70,000 Functional Utility Ave Fair Superior Superior Superior Similar Superior -5% -5% -5% 0% -5% -575.000 J56. 650 -5 72. 500 50 470.000 Quonsel None None None None None Hut $5,000 35,000 $5,000 35,000 $5. 000 4.; '. i- 1'" :1. '7: ‘ .. -|,.3 1 - _ r ‘ ‘, _- - . . ~1 .‘ Iv ‘ _ _ \4 . ' Suhject‘slndicaled g 1' ‘ ». , Value ' ‘ " $1,081,290 $1,078,690 $1,099,040 $1,044,945 Appraisal Ruaurce Group I JOE. SanJaaquin SL. #104 I Sah'nm. CA. 9390! I(SJU-753-5315 RMORELOSOO1 306 Page 1 32 SALES COMPARISON APPROACH Comments on Adjustments: The grid above uses both qualitative and quantitative adjustments to the comparable propenies to adjust the sales pn'ce of the comparable to the subject property. The adjustments are based on values and percentages extracted fi-om market activity as well as the appraiser’s professional experience and expertise. While believed to be accurate, the adjustments are not exact measurements of the differences between the subject and the comparables. Adjustments to Comparables: Typical adjustments made to the comparables include 5% per year time adjustments until the middle of 2005 when the market appears to have stabilized, site size at $10 psf difference, and building size at $35 psf difference. All comparables are adjusted upward $5,000 to account for the quonset hut of the subject. Additional adjustments made to the comparablcs are listed individually below. Comp 1 is located near the downtown financial district of Salinas, which is superior to the subject’s location in Gilroy necessitating a downward adjustment of 5%. This comparable is adjusted downward 5% because it has better access than the subject. This comparable is adjusted downward 5% for both quality and condition because it is superior to the subject. The subject is located near the front of the parcel, which causes difficult access, limited parking, and decreases the subject’s functional utility- The comparable has a functional layout along the side and rear of its sight, so a downward adjustment of5% is made. Comp 2 is located in Morgan Hill along Church Street. The comparable’s visibility along Church Street is inferior to the subject’s visibility along Monterey Street, necessitating an upward adjustment of 5%. This comparable is adjusted downward 5% for both superior condition and functional utility. Comp 3 is located in San Jose in an area with light industrial uses. This comparablc’s location is superior to the subject’s, because it is in San Jose and is adjusted downward 5%. This comparable is adjusted downward 5% for both superior condition and functional utility. Comp 4 is located near the edge of Watsonville and the bordering town of Freedom. Overall this oomparable’s location is infen'or to the subject’s location, so an upward adjustment of5% is made. Comp 5 is adjusted downward 5% for both superiOr condition and fimctional utility. Appraisal Resaurm Group I 10E. SanJauquin 8L. #104 O Salinas. CA. 93901 I(83!)-753-53]5 qu # 44 RMORELOSOO1 307 Page 1 33 SALES COMPARISON APPROACH The comparables used are all at least 20 year old concrete block or tilt up buildings. Comparables 1-4 have automotive uses, while comparable S is used for storage and retail uses. The adjusted value indications of the comparables range from $1,044,945 to $1 ,099,040 with an average of $1,070,969. Comparables 1-3 are given most weight because they have automotive uses and have buildings of similar size to the subject. Comparable 4 has a very large building size which necessitated a large size adjustment. Comparable 5 is used for storage and retail purposes and not an automotive use. This comparable is included because it is the sale of an older concrete building in Gilroy. The value of the subject is reconciled to $1,075,000 with comparables 1-3 given most weight. Appraisalflasource Group o 30 E. SanJoaquinSl., #104 I Sauna. CA. 9390] C (831)-753-5315 Page fl 45 RMORELOSOO1 308 Page 1 34 RECONCILIATION AND CONCLUSION Reca ofthethreea roaches Cost Approach N/A Sales Comparison Approach $1,075,000 Income Approach N/A The sales comparison approach is the only approach to value applicable to the subject. An owner user is the most probable buyer of the subject. The sales compan'son approach best reflects the buying decisions of owner users. The cost approach is not applicable to the subject because the improvements suffer from significant depreciation and buyers in the market rarely consider the cost of the component parts when making buying decisions. The income approach is not applicable to the subject because it is unlikely the subject will be purchased by an investor because an owner user is typically willing to pay more. Capitalizing estimated income does not render a reliable value estimate when capitalization rates acceptable to investors are applied. The estimated value is based on an eXposure time of four to eight months which is derived from market activity prior to the date of appraisal. The marketing time is also estimated at four to eight months which is typical for this type ofproperty. As of November 8, 2007, the date of site visit, it is our opinion that the value of the fee simple interest is: $1,075,000 ONE MILLION SEVENTY FIVE THOUSAND DOLLARS Signed, November 15, 2007, ‘ “lava. fl/ Lyl Weese Stuart Wolf FA License # AT04286I Certification # A6006259 AppmisalResamce Gmup O 305. San Joaquin Sm, #104 9 Salinas. CA. 9390! 0(831) 753 53 15 Pm U 15 RMORELOSOO1 309 Page 135 ADDENDA & EXHIBITS [nsurablc Replacement Cost Value 2007-2008 Tax Bill Engagement Letter Preliminary Title Report Statement ofContingent and Limiting Conditions The Appraisal Process Value Definitions Santa Clara County Data Gilroy City Data Appraiser's Qualifications Appraisal Remurce Group I 305. San Joaquin Sn, #104 a Salinas, CA. 93901 c (83]) 753 5315 Page # 47 RMORELOSOO1 310 Page 1 36 INSURABLE REPLACEMENT COST VALUE Insurable value is defined in the addendum of this report. The client Specified that this cost estimate is the replacement cost new less exclusions. Typical non-insurable exclusions include basement excavation, foundation and piping below ground, architects plans and specifications, and land value. However, we have not been provided with a copy of Mercury‘s insurable value policy and as such cannot certify this estimate. The cost data is based on Marshall & Swift online cost estimating service. As such it is not possible to isolate the cost for exclusions such as foundafion and piping below ground. The cost presented is for the building improvements new and includes plans, permits, construction financing, and typical development fees as is typical for Marshall Valuation Service. The cost does not include site improvements, land value, entrepreneu rial incentive, etc. The insurable value may not be a reliable indication of replacement cost for any date other than the effective date of this appraisal due to changing costs of labor and materials and to changing building codes and governmental regulations and requirements. We are not in the cost estimating business and we rely on cost information fi'om other industry professionals which we assume to be accurate. We assume no liability for and do not guarantee that any insurable value estimate inferred from this report will result in the subject property being fully insured or any loss that may be sustained. Property Type: Single Tenant Commercial Building Location: 7896 Monterey Road, Gilroy, CA 95020 Cost Data Source: Cost data is based on Marshall Valuation Service as well as information from local builders and contractors. Base costs indicated by Marshall Valuation have been adjusted slightly to better reflect actual costs. Increasing the base cost brings them into line with costs for similar buildings in the area. The building cost per square foot includes plans, permits, construction financing, and typical development fees. Agra“: Resource Group o 30 E. San Joaquin .53.. #104 o Salinas. CA. 939a: omlfiss 53:5 RMORELOSOO1 311 Page 137 INSURABLE REPLACEMENT COST VALUE Property Description: Component Main Automotive Building Only Size 6,394 sf Class Class C Base Cost PSF $90.00 Plus Adjustments N/A Subtotal $575,460 Component Quonset Hut Size 1,200 sf Class Class D Base Cost PSF $25.00 Plus Adj ustments N/A Subtotal $30,000 Estimated Insurable Replacement Cost $605,460 Amraisal Resource Grow r 30 E. San Joaquin St. #104 o Salinas, CA. 9390] 0(83!) 753 5315 Page fl 49 RMORELOSOO1 31 2 Page 1 38 2007-2008 TAX BILL ‘lbc Counly vl'SInIu Clm - SCC Mlic Pam] lain.HH $3 _-.J unl- u-gmulmmlwlmnulmwlmu mun". Cum“ Cunnnfllon l "Indium lingual“: I Lnnl'lc all! Wulmo I mum. Inc Human lure | min; BuI-ueil | uw and lull“.- County of Santa flan. Tan Collector‘s Olfice Date: Wednesday Nov. 7. 2007 Time: 11:54:59 Detailed Information (or Current Year Secured Taxes Delnlleu Tax Momma" hr AFN: “1-02-00. AFN Sumx: 00 Ia: Me Area: 91-000 __ TaxDucflptlon Valua Tax Rab. Mom." Land $185,990 lmprovemmts $185,990 Total Land and Improvements $311,980 0.00670 $24.92 Personal Property Total Value $371,980 1.16640 $4,333.76 Special Bsessmenb (deull below) $213.46 Gross Tax $4,571.14 Less Homeowner Exemption Other Exemption Total Taxes $4,577.14 Please note mat the above Information does not include possible penalty amounts. Spacill“men Information lnr AM: ul-ol-ool Code Assament Name Phone Numr Amount 820 SCVWD CLN SAFE CRKS (408) 265-2607 eunzsxo $121.24 847 SOCO VEG’OR CONTRO (800) 273-5167 $5.01 848 MOSQUITO ASMT #2 (800) 273-5167 $8.36 850 COUNTY UBMRY (408) 293-2326 ext.3003 $28.60 884 SWWD FLOOD CONTR (408) 265-2607 ext.2810 $44.24 Ton! Special Mmument Charge. $213.46 unwrap. | Harm] 09-1-02" I htlpwpa)mmlsmmmrglpuymmb'jwlsccwodbdnil.jsphrOI-UOthnEflIUZOOMsfi =00 l l-7’2007 Appruilal R-aurre Crap I JOE. &nlmwh 5L. WW O Salim CA. 93901 0(83ll-753-53I5 RMORELOSOO1313 Page 139 ENGAGEMENT LETTER MERCURY Mm";Rd Bm- Servlcu. LLC Number 5. 2W 5m Wolf”Ml Imam Gmup 30 Est Sanlnquin Sim: Sllin‘ CA 93W] 0w Small Wolf. Thls luau ls w camera: lunar for the wand mica dumbed huh; pins: fly:umm ImmnudmwcdaMMcMcncmanhyuwm. lhblum npmmu khan Rel Eurm LLC (the Cllcm ad Imus“ Cu) Illhorim'm [a you to 9mm an indmndm! :ppnlnl mm h 6K mm dmibd bcbw. Cmdcic compfinm. a kmhed by m client. wkh m mm: of dl'u lcua lad II: unchmmKs) is manly to imam acceptm aflha appraisal rqon nd pump pml ofyow hvobc. Th: :hppnar Io mum um tau ls amused ismumb comma: an muior Macedon nd sun e upon. Suhjampupdy inl'urluulim is nuled a l'ulb\u: Bormu- Mma: Raymuo R. Moms Pnpefly Adam: 7396 Mommy Rom C39. Sub. Zip: (filmy. CA 95010 Lmn a lDNumber: 2573.57 The allowing LI a may d'onrmm Scope of Walk Ind rn-‘ulzliua-y due fur me Mysis:M Ulc: Poul“: flmndng. Typ afOphiont Mafia Vain. (m(mud Raquhumms. inn '2} Efi’acl'we Date afOpilI'an: 0n: nl'ingzcl'nn. Relcvnnl Chancou‘isn'u: Feesmpla. As ls. Ru!pom only. lnlmor ml num- lnspadou nculnd. (soc Comm: Mulranentx am a!) Antwan Condiium: Nu: knowncm final il'any a: ianil‘nd.Rm Type: MurmurApm'ul (awTmplu Report meme:am) Amnhc m Valn: Sales Only (x: Vlhfm Raquicemmk‘; Fee: $2500.00M Me: "£1!er flue appnim mun mclud: the deslymnd Imam And or nmadtes. Io nluc ud follow me Imnpddr napirunmk maid in Ilris lam. ll' you cannot amplyMm Ihclmfim am! u imam: is my dangern 1cm m'wod' s dmilcd 1n Ibis lam. numu comm m cud: Foiluwmg k a dumlad dixunim or‘climl spdfic' rcqulmtmls Ind manila] :xplmion of lb: “Sang: M‘wurk" enpeulad. - wan: Maw, Ind Fm. hindm 4:I dg‘uv-am‘.munum mu.puma hm-Lu-‘ln.’uh.“ Appraisal Raource Gimp I 30 E. fin Joaquin Sh. #104 U Salinas. CA 93901 O (831)-753-5315 RMORELOSOO1 314 Page 140 ENGAGEMENT LETTER GeneralRm'nmnn: l. Numb: awniub u: acceptable. Fenn- 7I-A. "-8m UCIMl Ire mutual: with Immmion ol'clltnl. Appalal m1: mus! aonm’n only Ihc mama mshlcs) Io ulna. mgardlu: nflhe rennin; Tum. 2.. The pulp)“ cf m: mpm is lu aim: lhu Muriel Value (ulna In alum Im ‘5 long-tmn 1nd below Met kwls) h mamas: whh maddaflm ol'mm nluc u mfarallncd h h mu mu cdfiuu uf USPAI'. An "u is. mu‘ku uluc mull be wpuflcd. What Influhlc. Imm Ilbclliuu to Ff l: E. bushes: md pingmun value 'n muind.(m - A Gum's] L‘udfid (cameo: wnlwr um is upwind nilh ch: prawn, m: and m: ruly'ua mania mm: impel: lb: huiu arm: populy. ' ‘ - MI mam must confirm m m: mom mum mfim nl’lISPAP. A description of the Scope ol' Wat. aw encm ul' ash. is npeucd Io be inland in all mm- Delivu) JD: Clizumu nu rig: m mun: mom by me puma! 1m) per dty fox an, Amman adhered [ml uh: due dale. Th: mmlm mm mtfl'y k (15ml. pnhubb- In minus. ukm om wet hefbrc me due dam ofmy msmablc debys ' ' - Nflflrr 1h: uppnier nor III:1min! firm nu) divulge lb: opium ur wmlusims u- glve a mp) of the napalm mu lo lawn: now mm Lb: flint o: Cllen's dslgocc as $aclfied in writing vmthl mwnun: I-‘nfimtng ii a mummy ol'flle Sup: carillon:mend 1m nub ul’ lh:mum tu mun. If gun Incline umm dun one 099mb ’u nccum' Io produu: n crulihln mull,mm me Clim. So: m: Client‘s Valuulonliuidcllnu for Iddib’nnnl hunk.W - (il‘dnckpd) (“myyahlc Ind ales. loulion mp. Ind adjust“: pillm rapid. Tho sum: uruun and deprecm‘m alums mus b: dlmlmgd. - (If htlopd) Hholuplphs. ndjunmenl 36d (mm: qulmimivc .1 quflimhe}. 1M co le uh 9mm}! louIim ml; mud bc included. Any afimnu appliod l'nr mafia wad iom mus! b:row hy mulcl ah. Th: wmplnhlc am would mucqultc suhmnn'Il udiumnulm.W . (Havana; luau! photogruphs Ind mmpeu'livc run! mlim map are nqulni nu me deui] mun h: nflkim w allow Hepeném «view. Make! du- Iml dominant: an mqulxd losum «imam of vncuncy. cxpensc: and ap'uulinfino nus Com Reuumlnb: I. W Amlyzc um! repun my sales of m: subjccl property um hm occured wiIhm Ihc [um [hue yaw. Any recall ofi. cum ofl'u urpcnllng agrecmm of ill: mus: clan Ix «parted and me wdm mu“ mnuile Ill: appnhad value tn m: wuh pwiiouL uh. ofi'rr or pmding Inmatlion. Listing palods shanid hc rmmul fur subject peopmia cm hm a Ming ml: due.WI; ml hlmxlcal du- (u-deulc ul'lenamim cam. mm mil. updating mmm‘. dc.) should h: nciudud m Ihe addcna nflhcmu. 7mm; Tl: whjnfs coma; numb: disused yd m upiicil mmmu diaming uh: cw I‘mMm l-l Fun:l-mnu‘: .i‘.‘ r‘mnulm mmagimuleMum. mnfln l IIHIIIIH Appraisal Rmume Grow I JOE. San Joqm'n St. #104 o Salinas. CA. 93901 I (83 I) 753 53,5 Pqe fl 52 RMORELOSOO1315 Page 141 ENGAGEMENT LETTER nnjea's conform“. o: the Ind: mar.mm Ilsa k inflate. HuLLiaI: Inna“! um n! ddi-nquml um mun he upmed- For "Julia: unlys's should zddrm whcllm lb: m1 emu: mm would dung: (Io u dmn} firth: gloomy um sold mu Ihc pmpmy mu be valued mardhgly (apiully Ifme cums rrmka value signlficandy differs l'mmWcmlmm value}. Sum Rummd nfinunor. cumwant Inns. qu’nd n some hm... whim :umpklnd m HI: amber or vb a binuim. lb: amba- musl upliully am m 30mm oflhc sin animus: (gum. muhlc. cicfllu mmnded. Mun be reputedWdJumimm almm qmiw mun [won filem [hm wan Inclutd m m: inqul‘nn. I-‘or manual pmlxtlien. IJI rm mils and II Icm 50 pemu nfdua overall um'us mnsl he inspemd. Clhl Reglb'lfllelhfll3pm“ 15y”: l. Ania! munm amply wllh all minimum; [mud in Ihix kflcr nd d: Client's Valuou'un Guflcfim 2. Apprai-ud dlwld nu be completed unul au nuwnq donumcnluim [paw tyne“. luau. tent mll. opening sauna“. m tennuulian “omit! 'u povided Ihl II twain] InSum! the VIMN Th: Ippnbud nine mould nut maul auum pmchm prim mics a commune and nairdlam ill m6“. Comm. if file sflh ounlnn Inciub mllu comcsuom fin rmrs. atom:ma munch: um is napicu m me mum then mu: uuounu mus: hemud ku- in the “As ls" value slim. The Inn?"mmmt 15h: chant Iran}! ofdwe blhningmndiinne quply: ' Subject pmpmy corfistsd mulnpk Iu panels; ' Value Balhuld Incam armrplus land: ‘ Soak!mm is dsiglad 1hr a specific pupa: and ncl unpublclo Illemlln l'. ' lfmquindm iufonmdoa ls not Mm: p(m'dtd 'II aw: lam; ~ rammed nurtding um: qua: 13mum. An quufl: mu musl h: pmulded ham nu 1k x¢hcm coal of ma hullalm Imprawmn Id rcpamd uimln me Addenda of d1: upon. You ma)- amnge I'uan inImur impecdnn 1nd nhcln III pmincm miomn‘onhycmhn me l'nllnwlng: Prunny Conlncl: Rick RI)- Momhs Phone Ii: m-ul-IOSS Clint(mum Into: Chrininn Cam Pun: u: l-l‘fl-RMWO mt"?! 'nc ofinhu mu: commuter nil Ib- u-bcl paso- mh In lay: at ml nu o! InkEmma: Luger. Ind nu: hfir- fie dim vim In iupccdol ln tun schaduhd cranium]. l‘lmn emil'y une :Iaulnmic copy of Ihc upon upkndcd m m Macon m Em: Scrvicu. LLC RIMS me (meerml human. III: upon mus belama In 'Maury Rcll Emma!" 1h mum! Yonrllvuleeshun k uploaddu a 1|me donut. C'IIWIMWIHI‘ ‘ l." u I, Appmisaleovrce Group i 30 E. SanJoqm‘n Sn, #104 o Salim. CA. 93901 0(83!)-753-5315 Page # 53 RMORELOSOO1316 Page 142 ENGAGEMENT LETTER Inn's '3 not possiblulleu: nwrumu one mp3: om: mantam location Mn: Chist'ma Caner Rnl Esau unnmm Mmury Real rum Scniccl. LLC Mum' Ital Esau Sufi“; LLC ISUI Virginia Drivn SuiIcSOO l9 Fates BouhidSu'u: limo Eon Washingm PA I9034 Weld, MA “2048 Fa Mumry Real Eulu. LLC [:pm receipt. sign and mum mi: Imuvia facsimilau- Ih: unhapnd. Wm Canar Ammsu Mupunx: Manny Raul Hill: Savk‘cs. LLC 305165-25” nuc. _ II f u} Sigma: l‘rinul Nun: __.5:flu.f_.&lf_ E-hrisdnn Carla 1'..an qu-u-v-wulc.lu-mmm-ummmnmpdm ‘ Appraisal Resolute Group o 30E SanJaaquin SL. #104 I Salinas. CA. 9390! I(JJI}755-53IS RMORELOSOO1 31 7 Page 143 PRELIMINARY TITLE REPORT 1 aandAmerica cmummagz Canmonwealth wmmmfia‘?M: (RS) 27‘870l FII: (925)274-9133 um- mme Inns mt Pu No: Zimne 1340 tr“: Im I599 Bum:m 11n- munddl wanna Crack. «94597 Ann: Paul 5mm YourMum No: Mm mun: 7896Mom Ind. GMV, allmu PRELIMINARY REPORT Dam u ol Havana 6, 1N? II 1:30am. Inm m meam Manned “mun (a apm u! w: Imrma Commlmundmama” haw: mm numb madam; crumb Damn unnan humor. a Pallq or Poldu nfm- ammo th- IM Ind IMum or Irma:mmn hammerm hm. lamm coma Ins nhldl auy be amine: w mum of Iny um, II:- ormum not mu or Mme w II In Eugen Bun or not Innatem mun:pmuhmmwu,mflmummduuooflcym nu puma elem“ and Edam hum m:mane ml Umlmms on Cantu nub ondd Policy orPuEu m Ia ma Exhbkamldm. m pom w hound muumin an trunnion dun. Whoa 8nm cl lam h In dunM m hm h u'll “mun dun. II whimmam buum n moons- d-uu- n- Compony arm.mum newmumm alum Wmmuwnd uh qunummnflm ALTA Hmmr‘l mm cfm [mum man mblnb omm lid aMum Dealt Um]: d unity formuw n nun atroMm ambit I. mph dun hm forms mould n run. 1mm annals humm oflu which bummb mun.MmlmmmUMbH-wflmmmmmmmmmndumam. mm-flumdmu“mudwmmdemmM-rlmtwmm”dmmmmpdkrflmflhumawnnuwmmmmmmhmlmwwuuhmwmmmmqmflflmmmauumhnul-mwbmm numtunnymppmmornmum) Bulldldivhrmlwwol Banana»: um: flaydlcydude Imam no I-uuw Banned am. Intl- au-nd um Iauutv he gamma mm Io m- uum or a unity d um Inmnc. I amm- a CommlmntNflhmm CLTA“rmWm(W UII'IOG) m: 1 Appmluz Resume Gmup o 30 5. San Joaquin 51.. m4 - Salim. CA. 93901 o (s31; 753-5315 RMORELOSOO1 31 8 Page 144 PRELIMINARY TITLE REPORT HI HI: 21000726 SCHEDULE A Inhomdpollqdum Immumphudbymlml: ALTA Inna 3N6 Iona! [0-87-06 Thamorlmmunllndwmmamnmwnbmliz Anl m:nufluaenmmnhaumflbmm; WOAMOHWm-Ihnhmnlmmmfl IMIMImm-hlfllfluflmm mummnmlenmchumnISInua-I,5uuflmlbmn.muumum“: l. ufllfl'l" ”ACIDMAIDml A 'AI'I' Ill!” crunching"m rum (mu mime! M! 2 Appraisal RaumceGmup U 30 E. SmJoaqufn fl. #104 o Salim, CA. 9390i -(83I)-753-53l5 RMORELOSOO1 31 9 Page 145 PRELIMINARY TITLE REPORT HE No: ETMHG Exhlbit “A" All that cemln mil proputy situated In th: County of Sula Clara. Rah: of California, desaibad as follows: (CM of Gllmv) Beginning a a paint In thenommm llne of Montercy Sm, dlmn maeon N 20' w 158.91 feet and N 23° 22' w 528.86 Met I'mm m Intenedon wlth the grunt ulalng MMwsudy Ilne of Mama Lane. ald point d beginning being also distant along sold Noflhusuny line of Mommy awe: N 20' w 171.52 feet ma N 23° 22 w 528.85 fee: from the most samfly corner of Subterrmun Wam lat S-A herdnlhr referred b runnlng Ounce along uld Newlumfly Ilnc of Monutw Sires N 23' n' W 100 lie! m me most Sammy mmerof m1 aruln parcel of land conveyed m Mary Jane McSuv to John Guam, ct u. w Deed Recorded June 4. 1929, In Book 468, Page L57, OMdal Records, naming 81mm along me Soumumny Ilne d me pared of land so conveyed to std John Gums, a m, N 69° 36' E 145.79 feet to me Smmwmuty Inc d me mpaw of the Southern Faun: Railroad Company, I cotpomtlon, ruining menu along me said Soumwsteflv Ilne otthe propeny ofme Souumm hdflc Railroad Company, a CorpoIIuon. S 29° E 92.99 feet; meme runnlng S 66° 38' w 154.65 feet m rm point a oegmnlng, and being a pomm o!Sumnun waters Lot 9-A. as shown m Map No. 8. locompanylng Report o! the Remus h Patiflon Awon In the Sunder Cant of me Sum of Callbmla In and lb! me Camty of Sana Om, mfiued. mnry Miller, et al Plunufls wmm Thom” e: al Ddhndans, Adan No. $536. Assessor's Parcel Nunta' [41-01-003 CClAMllmrvm Form (lulu nn’mi) nu l Appralsal Resource Group 0 305 San Joaquin 51.. #IM 0 Salinas. CA. 9390! a (831)-753-5315 RMORELOSOO1 320 Page 146 PRELIMINARY TITLE REPORT SCHEDULE B - Secuon A ThemmmMum nil amt In pollus mu mungmamcm: II mum Debt: . . (o) nus ermama manna! mun ncnxm mm In- mdlny Outlet!" mlm um alumna Mcmrworw ”Milt“:nmuhshlwhkqmtmmmnmormm.cmclam means. m"orMMWthflfiflchbym-Nblcm . Any ha. rum. IMefllmanndMnW¢chMl¢MmuhmflififllnlmmndfiunlwmmymmohmmMnd ml.“ mum Ins or“ulna“. arm Blunt, nu! sham hym-mum . Myum mum. um. nnuon or Una drum Mu mflow ml: ham Dyan mun Human um-mwoftmm mum sham By (M Poul:m. . (o) Unnunu mung dams: lb)mm orum In nouns or Inm 5mm the imam Imt (t) mu man, dams u Ian Io Hue.um or Mt no munelm untr (I), (h) or (e) II shun bl ma Publicmm. cm mummy anonm(m Imms) mo s Appraisal Resource Group I JOE. fin Joaquin Sn. #IM o Sah'nas. CA. 9390] Iffllj-HIJJ” Page # 58 RMORELOSOO1 321 Page 147 PRELIMINARY TITLE REPORT fill NI: 17000726 SCHEDULE I - Sacflon InumwmnmnmnflnepmmuumsmmungMmluuflm: I.W mu, Indudlru Inn! u mall u. ml mum, l m, and III,mmmlmm mu. hrmmu yuvzow-m. mlmmml: 32mm, om 2M 1mm: 52.3.57.m L-u vine: 818539090 lmmnlm hut: ultfimoo Cod.Nu: 01-000A-m No.1 8| l-E-OOC . Sudm nu henmm 1'erth lhr mn-mnlnl a! damn: hm fur Uhm "I 2005 - m1. Animal: m. “142M Amount nm by Numb" 30. 2007 hr muMush” ynlr (Inanmm van. I Any": 511.255.59- Mmml b mum Iv Dmllr 31. 30w hr m:Imm yur (ma wuuu-It yum. ll any) Is $11,391.10. . Sudmm nu hm cedma mound” h non-amer: clmum u hr m mun nu zoos - 2007. Amunm MnIu-cz-MWM Amount n Mum by Mumba- 30. ED? forth womb! yin (um “mum val, l luv) II 535936. Amount la r-bumhy Dunflr 31. 2M7 lnr mumm v-r (Ind awnm ll any) I $371.14. .Swnlmuunimarwm“. IIIMJ-Id nun! u mmmmmtmmflmm. . mmthmepmmmnmwmdnahsmdamlmunmnlnl null 6mm u: Thecmollny. I numwmmrlflonMm: Storm sow pbc wand: Jun 3, 193. M469, nu- Ios, mud Inm- Aflm: apom ofnldllnd .MmhhwwMW-flfilblmm-uMhlm m: m:nunm Sand EMCOMplny. I manna“ Pursue: Pol nn- human: mil: Jum 3, 1929, look 929. hg- 33. mull Imam Mm: a pomun arson lmd CLTIMlmmmm(Rm lul’lfl) Appmisal Ruaurce Group I 30 E San Joaquin 5L, #104 I klirm: CA. 93901 I(fljl} 753-5315 RMORELOSOO1 322 Page 148 PRELIMINARY TITLE REPORT file NO: 270M726 7. An enema! for til paw mun mow Ind dghuWI mm um tam In o dammit Gama Io: Commasam Baud: Commacwuflen Puma: Pol: lhlhum:W: hula IS. I910, Ink 965, 9m m. Oil'ldlRmAM: a pom ofuld [Ind . MmentMMwmlmnhebumamIMImIm nmmml Immune We: mum"! aha emu I Nanny dun mace: Hum I9. I94 Ion I18. rm 525. Olndu Rum-AM: I pom du Ila minded «mu: mmanunlnm-mamw. mu avatar ~. ' ohl'luonlmmueby. Amount: $250,000.00 Dun: July 10. 1995 Tumor: mun A.W and Rum!“ l. Morin mime: FlrnMn Tm- Immmu Company BunnMuy: CamCommand lurk [m m: Nam Shun lumen: my 13. 1995. Sauna Nu 1845237. one]m mAdud offlutbnnn mWhm-mtmmhdau,ln¢ mvmu ohlgauom mm. Annular: $65,000.00 o-ea: July Lo. L95Tm: Rkh-NAmalflml Hulda: Tune: 5m aux 11b Oompnv menu: tun mama: Ionh Lam Hm: Nona Elm ammo: July 10, 199.3m No. lmni'. alldllM u. A u In hru Imam mum ltd anymmom due, In lava cf me Unlud sat: of America.um b1 meDimMr orIII“ Mme. redu-II Sum No.: 77001498 Tlmvfl: Rummm I ”Mmhlpmmmflk TM! Oll'lc MUM: silJnJC. 9h: puny nu mm Rucoruca: hum ll. 1000, Scri- m. |511MB. Oflkll mm. mauxnmtaruuammm anamoumumunndw. Infuor dilemma Rn"! Amelia,mad hr 01¢umDim urlnlmllam. Fedorll Still No; 77015100) Tomyur: NamHm IWain Amm: $5,265.91, pun 90le nu mun Emma: June 7, zwl. Sul- No. Il‘lu767, moihm: an mllmmary Moonmm (m IIUDS) Appraisal Rammce Group o 305 SanJaquin Sm, #l04 l Salinas. CA. 9390! “830-753-5315 RMORELOSOO1 323 Page 149 PRELIMINARY TITLE REPORT 'g Fle No:21MB mm I-Confl-uufl u.A mhrummlpmmnuwmuumuucmmm,hnnmmmmndwnhmlm. county: Slnll Cllra fisal Vur. m Tame: Menu Rn um Marin:MMMW ID Hm: DHJIWMm: “N25, numm Ina umm: Maw 6. M6. 591a No. HUM,muum uJu-Mhmmmmmwnmmmnhu-dmmsudmmHhmMruxmm-an ml! Sail M: 370012.07 fume}: Rudoflonh. I mmlp Amounl: $40,463.91. pm wally numlw: JImI IS 2007. fink No. 19481”), MullRum 15A“: lhnlbrn 3mmMnm Iny Mamwm me. In lmr d m- Unlhd 5m- dmWw m.m Dlruu Ilntml mun. Mull Scull um: alum 1am": llamam.-plumb5mm: Hut.N. usmural ammo; mam. slum.”mmmm- mnmmmmlmI-Odnm‘anu-mmhmImmMNWfir-mm Camry: Sim Gunde '0': ma? Twanr. Moabl nay and Mann Naurumm ID Mm: 010301146 Amount: m.2|, plu- pmlnymum “cm: Mink”, 1007. S.EI Na. “SMI.Wilma 1!.III-I-Mnmubn-I wuw-nuhmmd-Ihflfllmummmuumunmumm. la. Any nun. Inllrm avm d u-m Inmun a nu w. lncmangM nu Irmm wmm m Inummqmmt,um w lug. HBO!mm IImusmnflmmfllmwmmm um mlnMMmmi,2M7 QTAmumhwMR Finn (m 11135) Me 7 Appmlsd Resume: Group I 305 Snnluaquin 5L. “04 I Suh'nur. CA. 9390i I (83!) 753 5315 RMORELOSOO1 324 Page 150 Page» 51 STATEMENT OF CONTINGENT & LIMITING CONDITIONS The certification of the Appraiser(s) appearing in this report is subject to the following contingent and specific limiting conditions. l) I assume nu liability for matters legal in nature or character. Title is assumed to be good and marketable. 2) Existing liens and encumbrances, if any, have been disregarded. The property is appraised as though free and clear, under responsible ownership and competent management. 3) Legal descriptions, fiJmished me, are assumed to be correct. 4) The value of the mineral rights, if any, was not considered in this appraisal. 5) Plot plans and other illustrative material in this report are included only to assist the reader in visualizing the property; no guarantee is made for its accuracy. 6) It is assumed that utilization of the land and improvements is within the boundaries or property lines of the property described and that there is no encroachment or trespass unless noted in the report. 7) No survey has been made, and no responsibility is assumed for such matters. l assume there to be no hidden, or unapparent condition of the propa'ty, subsoil and/or structures, which would render the property more or less valuable, or for the engineering which might be required to discover such factors. 8) Information identified herein as furnished by others is assumed to be correct, but no guarantee is made for its accuracy. 9) Neither all, or any pan of the contents of this report, or copy thereof, shall be used for any purpose, by anyone but the client(s) Specified in the report. 10) If attendance in court, or testimony, is required as a result of this appraisal, any arrangements and fees shall be agreed on prior to appearance. ll) The income and expense data provided to the appraiser is assumed to be true and correct and that no factors relevant to the past, present or filture income have been withheld from the appraiser. Appraisal Raourue Group 0 30 E. Sin Joaquin St, #104 o Salinm. CA. 9390! I(HJU-HS-fllj Page B 62 RMORELOSOO1 325 Page 151 STATEMENT OF CONTINGENT & LIMITING CONDITIONS 12) I reserve the right to change or alter this appraisal report after submission, if new facts arc received that, in my opinion, warrant a change in the report. No change of any item in the report' shall be made by anyone other than me, and I assume no responsibility for such unauthorized change. l3) Market Value estimates reflected in this report are as ofthe date of value shown. These values could change at any time in the future, dependent upon the actions that might be taken by any government agency and/or changes in the mortgage money market. 14) Eanhguakes are common to nearby areas Santa Cruz and San Benito Counties. No responsibility is assumed due t0 their possible affect on individual properties unless detailed geological reports are made available to the appraiser in advance of Submission ofthe report. 15) There is a national concern about Radon Gas a naturally occurring, colorless, odorless, tasteless gas that emits radioactive decay by-products. The Environmental Protection Agency (EPA) has established guidelines concerning it and residential environmental audits will become common in the foreseeable future. The appraiser(s) are not trained or qualified to measure Radon levels, interpret the results or recommend appropriate actions. No liability or responsibility is assumed for its presence, unless a detailed audit is made available to us prior to the submission of the appraisal report. 16) Unless stated in the report, the appraiser(s) signing this report have no knowledge, and assume no responsibility for: (a) The presence of Urea Formaldehyde Foam Insulagign i QEEZ l. (b) Hazardous waste materials of any sort having been stored on the propeny by any means whatsoever, (c) The presence ofasbestos or an asbe t r lated roducl s (d) The possible presence ofaluminum electn'cal wiring or (e) The possibility of lead based paint having been used in the premises. Appraisal Raowte Gmup O 30 E. SanJouquin 5L. #104 O Saline}. OI. 9390! 0(831) 753 5315 Page fl 63 RMORELOSOO1 326 Page 152 STATEMENT OF CONTINGENT & LIMITING CONDITIONS l7) I assume no responsibility for roundwatcr contamination caused by solid or hazardous waste sites. No advice is given regarding soils and the potential for settlement or drainage problems. If any of the above noted items are present, the property value may be adversely affected, and reappraisal at additional cost may be necessary to estimate the effect of such. If there is concern over any ol' the items noted abovs the client is urged to seek assistance from a Qualified expert in that field. 18) Information used in the Sales Comparison Analysis section of this report, based on infomation obtained from Realtors and/or the Multiple Listing Service (MS), is deemed reliable but no guarantee is made for its accuracy. No review of the escrow insU'uctions or closing documents of the sales data was made, and the appraiser has no knowledge of any contractual obligations, if any, that may have been made between buyer and seller outside ofescrow, which might affect the actual price paid. Appraisal Reimufe Grow O 30 E. Sathiaqm'n 3L. WM O Sufinai; C‘J. 93M! I(J3D 753 5315 Page fl 64 RMORELOSOO1 327 Page 1 53 THE APPRAISAL PROCESS The appraisal process is intended to be an orderly and logical flow of information, which leads the reader through the steps to the value conclusion. The steps taken in the appraisal process are as follows: I. Define the appraisal problem. A. Identify the property to be appraised. B. Identify the effective date of the value estimate. C. Identify the property rights to be appraised. D. Identify the purpose and function of the appraisal. 2. Data collection. General Data A. Social B. Economic C. Governmental D. Environmental Specific Data A. Site and improvement data. B. B. Reproduction cost and land value data. C. Comparable Rental and sales data. D. Income and expense data. 3. Data analysis. A. Highest and best use analysis B. Land value estimate C. The cost approach to value D. The Sales comparison (market) approach to value. E. The income capitalization approach to value. 4. Reconciliation of the three approaches to value and final value estimate. Appmua! R-aurue Group o 30 E. San Joaquin St. #104 c $211151“. Cl. 9390! C(83)) 753-5315 Page fl 65 RMORELOSOO1 328 Page 154 VALUE DEFINITIONS Market Value: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a Specified date and the passing of title fiom seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what they consider their own best interests; (3) a reasonable time is allowed for exposure in the open market; (3) payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and (4) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions gamed by anyone associated with the sale. Department 0fthe Treasury, Office ofthe Comptroller ofthe Currency lnsurable Value: The Appraisal Institute does not define insurable value. The client however, has specified which items are to be included in the insumble value. Other online appraisal and tax sources were consulted in order to come with the following definition: Insurable value is based in the replacement and/or reproduction cost of physical items that are subject to loss from hazards. Insurable value is the portion of the value of an asset or asset group that is acknowledged or recognized under the provisions of an applicable loss insurance policy. The client specified that no deductions were to be form indirect costs, foundations, or other exclusions. Land, site improvements and entrepreneurial profit should not be included. Appraisal Resource Graup a 30 E. SanJoqm'a $1.. film a Salim. CA. 93901 0(83 l)-753-53l5 Page fl 66 RMORELOSOO1 329 Page 155 SANTA CLARA COUNTY DATA Santa Clara County, also referred to as “Silicon Valley,” is located at the southern end of the San Francisco Bay and encompasses 1,312 square miles. The fertile Santa Clara Valley runs the length of the County from north to south. The county has a combination of physical attractiveness and economic diversity. The County’s population of about l.7 million is one of the largest in the state. There are 15 cities in the county including Gilroy, Morgan Hill, Palo Alto, San Jose, Santa Clara, among others. San Jose is the largest city in the County, with a population of approximately 900,000. The County is centered around metropolitan areas, which account for 92% of the County’s population. Topography varies from level valley to rolling foothill lands lo fairly steep mountain areas. Santa Clara County has a Mediterranean climate, which remains temperate due to its proximity to the Pacific Ocean. Precipitation tends to occur mainly in the winters and snow is confined to only the highst peaks of the Mt. Hamilton Range to the east and Santa Cruz Mountains to the west. Outside of the winter months, the area is typically dry and warm. San Jose International Airport is the main commercial airstrip and services the air transportation needs ofthose in surrounding counties as well. The County is a chief employment center for the region and one of the highest median family incomes in the country. The County accounts for over one quarter of the jobs in the colossal employment sector of the Bay Area. Santa Clara County attracts people from all over the world and has a wide diversity of backgrounds, cultures, and talents. Over 100 languages and dialects are spoken in the art, sport, and education abundant County. The county has three major universities Stanford University, Santa Clara University, and San Jose State University. There are also many community colleges with outstanding reputations. Local Museums and art galleries include the Tech Museum of Innovation, the Rosicrucian Museum, the San Jose Museum of Art, Triton Museum, the Children’s Discovery Museum, and many more. Performing art venues include venues for opera, symphonies, musical theatre. concerts, and children’s musical theatre. Appraise!Rapture Group I flE San Joaquin 5L. #104 I Salinas. CA. 9390! I(83I} 753-5315 Pg: fl 67 RMORELOSOO‘I 330 Page 156 SANTA CLARA COUNTY DATA Sports and recreation venues of Santa Clara County include the professional teams of San Jose. San Jose is home to the San Jose Sharks, the State’s only National Hockey League team north of Los Angeles. Other professional sports teams compete in soccer and minor league baseball and include the San Jose Earthquakes, the San Jose Sabercats, the San Jose CyberRays, and the San Jose Giants. The County of Santa Clara Operates 27 parks covering more than 50,000 acres including streams, scenic lakes, and miles ofhiking and biking tails. The County is home to numerous public and private golf courses. Local theme parks and venues include Paramount's Great America, Bonfante Gardens, Raging Waters, and the Santa Clara County Fair. [The dam for III: County ofSum Ch: Ins been bnscd m a numberofsome: including the Comics mbsilcW II: City ofGilroy‘s County wehsilc“M; and III: CmnIKy ofSum Clm's Pub Ind Rwan'on Mammalmm Appraisal Resource Group O 305 SanJoaquin fin #104 O Salinas, CA. 93901 O(83I)-753-5315 Page fl 68 RMORELOSOO1331 Page 157 GILROY CITY DATA Gilroy is best known as the “Garlic Capital of the World" and is home to the annual Garlic Festival in July. Gilroy is located in South Santa Clara County at the intersection of U.S. Highway lOl and State Highway 152. There are about 50,000 residents of Gilroy, which is centrally located and is within a short drive to Monterey Bay, Santa Cruz, the San Joaquin Valley, and the San Francisco Bay Area. Gilroy is a rural center and serves residents beyond its City boundaries. Gilroy is located between the Diablo and the Santa Cruz Mountains and enjoys moderate temperatures, while avoiding the coastal fog. Gilroy’s proximity to the Pacific Ocean keeps temperatures moderate. Over 70% of Gilroy's days are sunny, with average rainfall of 19.11 inches. The average annual temperature is 62.8 degrees, but it is not unheard of for temperatures to reach 100 degrees. Winter temperatures average 57 degrees. The average date of last f'rccze is March J" and the agricultural growing season ranges fi-om 300-350 days per year, depending on many factors. Gilroy‘s economy has historically been centered around agriculture with prunes, tomatoes, flowers, onions, and garlic being a few key products. Food processing centers have located in Gilroy and have become a focal point of the economy. Like most small cities, government centers also employ many local residents. The City has developed into a regional shopping center with its five-phase retail complex known as, The Outlets at Gilroy. This complex draws shoppers from all over the Central Coast and Bay Area. There are 13 public schools in the Gilroy Unified School District. Total enrollment is about 8,900 students and the district has about 800 employees. [n addition to the public school system, there are five private schools serving an additional 400 students and Gavilan College has 4,500 students. Gilroy has 12 parks, from 1/8 to 125 acres in size. The Parks of Gilroy have set themselves apart from other Californian Cities, winning numerous awards. A recent addition to the City’s park system is the Uvas Creek Park Preserve. The 125 acre creek restoration project has a natural riparian corridor, nature trail, and an interpretive center. Key attractions in Gilroy include Bonfante Gardens Amusement Park and the annual Gilroy Garlic Festival. (Inc bu I'm 1h: Canmy o! Sum Cln hu bun based on a numhu ofaoulca imluding 1b: Counties websilaW and Ih: Ciy of Gilmy's Couly wcbsileW Appraisal Resource Grow I 30 E.h Joaquin St. NW O Saliva, CA. 9390.! o(83l}75J-5315 Page fl 69 RMORELOSOO1 332 Page 158 QUALIFICATIONS & APPRAISAL EXPERIENCE 0F Appraiser ofUrban & Rural Properg: since 1982 State Certified General Real Estate Aggraiser, Qertificate # AQOOQZSQ PROFESSIONAL BACKGROUND 1992 to present: Appraisal Resource Group - Owner Lead Commercial Appraiser 1987 - 1992: Wolf& Associates. Appraisers & Consultants Senior Appraiser, Residential Properties 1982 - I987: Wolf& Associates, Appraisers & Consultants Staff Appraiser, Residential Properties DESIGNATIONS, QUALIFICATIONS & MEMBERSHIPS: Licensed: Certified General Appraiser, State of California OREA License # A6006259 Designated: IFA, National Association ofIndcpendent Fee Appraisers 2004 - 06 Chapter President, NAIFA Central CA Chapter 1999 - 00 Chapter Vise-President, NAIFA Central CA Chapter 1990 - 99 SccretaryfTreasurer, NAIFA, Central CA Chapter Qualified: Expett Wimess, Superior Court of Monterey County Expert Witness, Superior Court of Santa Barbam Expert Witness, Monterey County Assessment Appeals Board Web site: ARGI 23.com Errors mis ions insurance oltc current! ’ in Appraisal Resource Group O 30 E. San Joaqm'n SL. #104 O Salinas. Cd. 9390) 0(83ll-753-5315 Page # 70 RMORELOSOO1 333 Page 159 SOME EMPLOYERS 0F MY SERVICES ATTORNEYS AT LAW: * Noland, Hamerly, Etienne & Hoss * Law Office of Bruce Lindsay * Abramson, Church & Stave * Anthony & Murdock * Pitman & Erdbacher * Mendelsohn and Mendelsohn * Law Offices of William H. Soskin * Lombardo & Gillis GOVERNMENT AGENCIES AND MUNICIPALITIES: * Farm Service Agency (FSA) * City of Gonzales * Federal Housing Administration (FHA) * Monterey County * Rural Economic & Community Dev. (RBCD) * King City * US Department of Agriculture (USDA) * Castroville Water District * City of Salinas Redevelopment agency * Salinas Elementary School District FINANCIAL INSTITUTIONS: * Rabo Bank * Pacific Valley Bank * Community Bank of Central Cal. * Los Padres Bank * Downey Savings & Loan * Interbay Funding * Cenu-al Coast Credit Union * First National Bank of Central Cal. * Monterey County Bank * Santa Barbara Bank & Trust * Central Coast Credit Union * Steinbeck Federal Credit Union NON PROFIT AGENCIES: * Interim Inc. * Community Human Services * CHISPA Other clients include; Realtors, Mortgage Brokers, Developers, Contractors, Architects, Relocation Companies and Individuals. Since 1982, l have appraised well over $3 billion dollars worth of residential and commercial real estate in Monterey, Santa Cruz & San Benito Counties. Appraisal Resume Group a 30 E. San Joaquin 57., #104 O Salinas. CA. 9390] 0(831) 753 53 15 Page # 71 RMORELOSOO1 334 Page 160 EDUCATIONAL BACKGROUND Bay Area Building Cost Workshop semmar 2006 Vineyard Appraisal l day 2006 USPAP Update Course l day 2006 California Conservation Easements l day 2006 Eminent Domain and Condemnation 2 days 2006 Limited Service Lodging Facilities 1 day 2006 Monterey Bay Appraisal Seminar I day 2005 Information Technology and The Appraiser l day 2004 Techniques for Managing an Appraisal office l day 2004 Monterey Bay Appraisal Seminar l day 2004 Limited Appraisals & Scope of Appraisal .5 days 2004 Capitalization Techniques Review l day 2004 California Laws and Regulations .5 days 2004 National USPAP Update l day 2004 Relocation Appraisal Seminar .5 days 2003 Home Inspections -common defects .5 days 2003 Fair Lending Requirements .5 days 2002 Valuing Undivided Fractional Interests .5 days 2002 Monterey Bay Appraisal Seminar l day 2000 Commercial Review 2. lA .5 days 1999 FHA/HUD Appraisal Requirements 1 day 1999 USPAP Update Course 2 days 1998 Advanced Income Property Appraisal 2.2 4 days I997 Advanced Income PrOperty Appraisal 2.1 4 days I996 Financial Analysis of Income Producing Properties 2.0 4 days I995 Appraisal Standards Review l day 1995 Federal and State Laws and Regulations l day 1995 Appraising Complex Properties l day 1994 Relocation Appraisal Conference l day 1993 Standards of Professional Appraisal Practice 4 days 19805 Real Estate Appraisal Practice 4 days l980s Residential Valuation 4 days 19805 Real Estate Law l semester 19803 Real Estate Principals l semester l980s Real Estate Appraisal 1 semester 19805 Appraisal Raource Group O 30 E. Sun Joaquin 3.. #104 O Sdims'. CA. 93 901 0(83 0453-53” Page # 72 RMORELOSOO1 335 Page 161 Page 162 11/a5/2057 1a: 12 93175.7 APPRAISAL E1. a FAG 61/64 Memny Real Fame Services. LLC Novanba- 5, 2001 Smut Wolf Apprainl Resource Group 30 East San Joaquin Sweet Salinas, CA 9390] Dear Stunt! Wolf, This letter is our engagement latter tor the appraisal smices dumbed herein: please sign and mum this letter to the undenigncd and Include an executed copy in your report. This lam rcpmscnts Mercury Real Esme Semen. LLC [the Client and Intcndcd User) authorization for you to prepare an Independent appraisal report far the properly described below. Complete compliance. as determined by the client. wim the tams of this letter and its Mews) is necessary to insure acceptance ofthe appraisal report and prompt payment ofyour invoice. The appraiser to which this 1cm: is addressed ls cxpected m complete an intcrior inspectim md sign the report. Subject property infirmation is noteda follows: Borrower Name: Raynaldo R. Morales Property Address 7896 Monterey Road City. State. Zip: Gilroy, CA 95020 [nan or ID Number: 2 I 57357 The following is a summary of our «peeled Scope of Walk and Mdelivu-y date fur the analysis; Intended Use: Possiblefinnncing. Type ofOplnlon: Market Value. (see General Requiremam. hen #2) Efictive Dale ofOpinion: Dar: ofinspccfion. Relevant Characteristics: Fee Simple, As Ts, Real property only. lnmn‘or and utterior inspection rcqulred. [see Comm! Requirements. item #8) Assignment Conditions: None known, comet client lfany arc idemlficd. Rqorl Type: Summary Appraisal (see Template Raport rcfhrmce doc) Approaches ID Value: Sales Only (me Valuation Requiremenu) Fee: fl,500.00 Due Date: 11/202007 The appraiser must include fie designated approach. and or approaches, to value and follow d1: appropriate requirements outlined in his letter. lfyou cannot comply wim d1: lmcfiom and or if thee is any change to me "scope ofwork" as dcuflcd In this lam, you mm: contact the dim: Following is a dcuilcd discussion of "clicm specific“ requiremenu and additional explanation of the "scope ofwork" expected. rm'm 2001MumHulk.“ ILC. Allfilmm.Mde-nm hplhl’uhd.hmWumm I 11/05/2007 8 : 02PM RMORELOSOO1 336 11/85/2867 18: 12 83175.7 APPRAISAL REG. G PAE 32/84 General Requirements: L Narrative appraisals are acmplnblc. Farms 71-A. 71-3 and UCIAR ale acceptablo with auzhm-imion of client. Appraisal reports must contain only the requested approachtes) lo value, mgardlcss ofmc reporting formal. 2. The purpose of the rcpon ls to minute the Markct Valuc (unless an existing lease is long-lerm and below market levels) in accordance with the dzflnitiun ofmarlm value as referenced in the most mm: edition of USPAP. An "as is" market valuz must be reported. What applicable. a separate allocmion w FF & E. businas and going conocn value is rcquimd. 3. Comm - A General Certified (cngagcd) appraisa- who is cxpcrianccd with the prepeny type and the mbject mukd must inspect uh: interior of due pmpcrty. 4. W - All rcpons mus conform no the most recent version of USPAP. A description of 1h: Scope of Work, and cadenl or well, ls expected to be included in allmm 5. Danna - The Client menus the rig“ to reduce the fee by five pemm (5%) P6? d3! far any appraisal dclivmd put the due dam. The appraiser must notify m: Client. prcfcrahly in writing. al lust one week hefon: I11: w: dale ofany masonsblc delays. 6. Cnmmnninfinn - Nclmcr the appraiser na- tllc appraisal firm may divulge d1: opinions or conclusions or give a copy of the appraisal report to anyone other than Ihe Client or Client‘sdesigneeu specified in wrin'ng. Valuation Raqulumuls: Following ls a wmmnry of the Scope of' Work expected for each of (he approach: to Value. 1f you believe that more than one approach is necessary lo produce a cwdlble mun. comet me Clian. Sec the Client's Valuation Guidollncs fa additional demib.W - (if dewlaped] Comparabic land sales, location map. and adjument aid are mquired. The source ofooat and dwmciation csximams must be disclosed. - (ifdcchOp-cd) Photographs. adjustment grid (whether quantitative or qunllmivc). and comparable sale propeny Iocalion map must be included. Any adjusunenu applied for market conditions must be supporud by markc‘ data. The comparable sales should not requin wbmntia! adjumanus). - (if developed) chml phozugaphs and competitive renal location Imp ale required. and the detail must he sufficimt m allow independent mviwr. Market data and commmts are muimd lo suppoacslimats ofvacancy. expenses and capitalization Mes. Content Requlram-u: l. W Amlyzc and report any sales of the subject prepay fiat luv: occurred within the pm three years. Any recent ofl‘et, current offer or pending agreement of sale must also be reported and the appraisa- must reconcile the appniscd value to any such ptcuious sale. offer m pending tranmu’un. Listing pcflods should be reputed for subject prepcnics mat have a pending sale date. 2. W All historical data (schedule of renovation oosLs, :an toll. operating statement, cm.) should be Inctuded in the addenda of the report. 3. 2min: The subject's zoning must bc disclosed and an explicit stau-nmt discussing the leguzml Wuhlhuhsmnut All rightward. “huddmynuluublm.wMmum 11/05/2007 8 : 02PM RMORELOSOO1 337 Page 163 11/05/2937 18:12 9317‘? APPRAISAL Ram‘s PAGE a3/a4 subject‘s confomncc. or the lack thereof. must also be included. 4. BqaLfisngmLcs: Actual taxes and delinquent taxes must be sported. For vuuaiion pulwss'mmysis should addmss wheflm (he ma] amt: mm would change (up or down) ifthe property was sold and the property should be valued accordingly (“pacinlly if the current market value significantly diflcrs fi’om thc comm osscscd vaiuc). Wfllaqmgmplg: Required of‘ interior. exterior and street scams. ' Required in some format, whether completed by the appraisar or via a blueprint. The appraiser must explicitly stma the source of the size :sn‘mntm (glen rcnlwle. ac) that are provided.W Musl he reported.Wu; the mpged appraisw must rwmt m: mus mat wet: included in the inspecb‘on. For apartment properties, all vacant unis and a! lent 50 percent of the ovcnll units must be inspwtcd. m» 90:4 Client Requimmuls (all appraisal typcs): l. Appraisal report must comply widl all requirements found in this letter and the Client‘s Valmion Guidelines. 2. Appraisal should nut be completed until all nussary documenwion (purchase agreement. leasfi. lent roll, opeming staummts. and renovnzion schdule) is provided that k required to support 1h: valuation. 3. The appraised value should not exceed a curmnt purchase price unim a compelling and verifiable reason is provided. Convmely. if me salu contract includes seller concmlons for regains. closing costs or financing that is atypical lo th: marks: chm (hue maunts must be accoumed for in m: "M ls" value estimate. 4. The appraisa must contact lhc climt ifany offllc following conditions apply: ' Subject pmpeny oonsistsofmultiplc mx parcels; - Vain: ls allocated lo enccm or surplus land; ' Subject pmperty is designed Ear a specific purpose and no: adaptable Io alumnus ads): - If required progeny infonmtion is not being provided in a timely Fashion; - Estimated marketing time exceeds 12 months. 5. An lnlunblc vuluc must be provided based on the replacement cost of the building improvements and repoued within the Addenda ofme rcpon. You may arrange for an interior inspection and obtain all pertinent infatuation bycombs the following: Property Contact Rick Ray Morales Phone fl: 408-848-1055 Cllem Contact Info: Christina Carla Phone fl: l-877-72Hoo9 ezfll 197 The appraiser must communicate with the conhcl person with'm five dqs of (ha date of thin Engngcmcnt Letter, and must hfom {ho diam whul an lnspacflnn nu been scheduled or completed. Plume certify one electronic copy of the report mloaded to the Mercury Real 35m: Service. LLC RIMS site (Prefarred Method). Tho report must be addressed to "Macury Ru] Esme or its assign" Your iuvolu should b: upbaded as a separate document. Cmpn m:MM mIE-mkw'mq LLC All film 1h- n-u‘ummhpwflMfllnm Nrdlmnd. 3 11/05/2007 8 : 02PM RMORELOSOO1 338 Page 164 1.113512%? 19:12 33175.7 APPRAISAL H‘s ms 34:54 lf Ibis is nu: pollbla, pleasemight one copy nflhe upon tom loafion below: ChdnhICtm! RudEllqunflflfinMahlmmmm MuenwfladbmSavimLLC 1301 Vlrfinia Drive Suite 300 89Fm Boulavud Sake IMO Fan Wuhinyon. PA [9034 Mansfield,MA 0204! For Mucury Ru! Ewe. LLC Upon melpt. sign mdmm this lmuvil humusmmmw. ChfiflhaCmun Mercury Real Esme Swims. LLC 305465-25 85 Camu- wmwmmmwHIMMWIMqauflumm-m 4 11/05/2007 8 :OZPH RMORELOSOO1 339 Page 165 Exhibit “D” (To Declaration ofRyan Ramseyer) Exhibit “14” Deposition ofReynaldo Morelos l Reynaldo Morelos IPage 168 k 8/4/21 PG j Margarita Morelos 7801 Santa Barbara Street Gilroy. CA 95020 California State Board of Equalization P.O. Box 942879 Sacramento, CA 94279 September 1, 2011 To Whom It May Concern: As of September 1. 2011. l. Margarita Morelos will no longer be the owner of the business and property of Automatic Transmission Clinic located at 7896 Monterey Highway. Gilroy. CA 95020. Therefore. I will no longer be liable for any bills, property taxes, Calitomia State Board fees. and Iptemal Revenue Service debts that are associated with Automatic Transmission Clinic. Reynaldo Morelos will be the sole owner of the business and property of Automatic Transmission Clinic. He will assume all liability for the bills. expenses, and debts belonging to businws and propeny. Should you have any questions, l can be contacted at (408) 710-1 761. Sincerely, Margarita Morelos Page 169 Exhibit “E” (To Declaration ofRyan Ramseyer) Exhibit “ 1 6” Deposition ofReynaldo Morelos 16 Reynaldo Morelos Page 1 72 314/21 PG Lnanhisupt Bayview Loan Servicing, LLC 1112612019 4:02:06 PM Loan History Summary Pages 1 Tram Eflecllve Due Trans check Batch Trans Principal lntetest Escrow Llh Charg- Cnrp Advancu Unapplled Other Fund: Lon Dun Due Du: Dal: Desc Number “ -‘ ‘ " ' ‘ ‘ ‘ " ' Blllnce ‘ ‘ " ' " ' ‘ ‘ Loan ID Borrower Name 0200064141 Reynaldo R. Morelos 11/13/19 11l13l19 11/01/19 Coun‘y Taxes 0 35235 ($2,990.71) $504.447.64 132390.71) (51,186.57) $0.00 50.00 $0.00 s 0,00 s a_ou s 0,00 11/04/19 1flI31I19 11IO1I19 ngulal Paymenl 35195 $4,476.00 $1336.79 $504,447.64 52.17168 5961.53 $1304.04 SD OD 50.00 $0.00 S 0.00 S D 00 5 0.00 10/01/19 09I30I19 1DIO1I19 Regulav Payment 34123 $4,476.00 $1,401.20 $505,784.43 52.11127 5961.53 $342.51 50.00 $0.00 $0.00 s 0.00 5 D 00 5 0.00 09/04/19 DBI31I19 09/01/19 Regular Paymenl 33257 $4,476.00 $1,325.05 $507,185.63 52.169.42 $961 53 ($113.02) SODD SO DD SO DD S 0.00 S 0.00 5 0.00 OBI'ZBI‘IS 05/28/19 08/16/19 Fire Policy 0 33063 (58.419110) $508.510.GB 158.419.0D) (51.08055) 50.00 $0.00 50.00 S 0.00 S 0.00 S 0.00 08/02/19 07/31/15 06/01/19 Regular Payment 32265 54.47630 51.319.37 550851058 $2.195 10 5961.53 57.338.45 $0.00 50.00 50.00 S 0.00 S 0.00 S 0.00 07/02/19 06/30119 D7I01I19 Regular Paymanl 31065 $4,476.00 $1,394.41 5509.83095 32.13036 $961.53 56.37632 SO 00 $0.00 50.00 s 0,00 5 0,00 s Dluu 06/03/19 06101I19 06/01/19 Regular Payment 29669 54.476.00 51,307.78 5511.214AG 52.20659 $961.53 $5,415.39 SO 00 $0.00 50.00 s 0.00 5 [mu s 0.00 05/01/19 04/30/19 05101119 Regular Payment 23616 $4,476.00 $1,373.24 551252224 52.141 .23 5951.53 54.45186 50.00 50.00 $0.00 s O_DD s 0.00 s 0,00 04/02119 03/31/19 04/01/19 Regular Paymenl 27435 54.47630 $1,296.28 $513,895.48 52218.15 $961.53 $3,492.33 50.0!) $0.00 $0.00 s 0,00 S 0.00 S 0.00 03/22/19 03122119 03/01I19 County Taxes o 26410 (52,795.50) $515,191.76 32,795.50) 52,530.50 so 00 50.00 $0.00 s 0.00 s 0.00 S 0.00 03/04I19 0208/19 03/01/19 Regular Payment 26137 54.47600 51.505.09 5515.19116 $2.009 38 5961.53 55.32630 50.00 50.00 $0.00 S 0.00 s 0,00 s 0.00 02/04/19 D2IO1I19 02/01/19 Regular Payment 24644 $4,476.00 51.25427 3516.696 85 52.23020 5961.53 54.36417 $0.00 50.00 50.00 S 0.00 S 0.00 S 0.00 01/03/19 01/01119 D1IO1I19 Regular Payment 23293 54,476.00 51.278.77 $517,981.12 52.235.70 $961.53 53,403.24 50.00 50.00 $0.00 s 0.00 S 0.00 5 0.00 12/06I18 12IOSI1B 11/22/18 Fire Policy 0 22259 (54,780 DO) 5515.259.39 34.780110) 52.441.71 $0.00 50.00 50.00 S 0,00 S 0.00 S 0.00 1203/18 12/01/18 12101/18 Ragutal Paymenl 22079 54.476110 $1,345.28 551925935 $2,169.19 5961.53 57.221.71 $0.00 50.00 $0.00 S 0.00 5 0.00 S 0.00 PAYMENT CHANGE NEW INTRATE: 5% NEW P&l: $3514.47 NEW ESC I'MT: $961.53 11M/18 11/08/18 11/01/18 County Taxes D 20800 ($2,795.50) 552050517 $2,795.50) 56160.18 $0 DD 50.00 50.00 S 0.00 S 0.00 S 0.00 11/01/18 10I31l18 11/01/18 Regular Paymenl 20797 $4.464 DD 51.28752 $520,605.17 52.246 95 5949.53 59.055.68 $0.00 $0 OD $0.00 S 0.00 S 0.00 5 0.00 10/01I18 OBIZSHB 10/O1I1B Regular Paymenl 19311 54.464 DO $1.334.“ 552137259 $2.180 03 5949.53 $8,106.15 50 00 $0.00 $0.00 S 0.00 5 0.00 S 0.00 09/05!“ 09/01!“ 09/01/18 Regula! Paymenl 18246 54.46430 $1256.36 $523207.” 52.25811 $949.53 57.155.62 50.00 SD DD $0.00 S 0.00 5 0.00 5 0.00 08/02/18 07/31I1B 08I01I1fl Regular Payment 17067 54.464 00 $1,250.98 5524.463.49 $2263.49 5949.53 $6,207.09 50.00 50.00 50.00 S D OD S 0.00 5 0.00 07(03118 OEISOHE 07/01/13 Regular Payment 15901 $4,464.00 $1,818.50 $525.714A7 52,195.97 5949.53 55.257.56 50.00 $0.00 $0.00 S 0.00 5 0.00 S 0.00 06ID1I15 05/31/18 OGIO1I18 Regular Paymenl 14628 54,464.00 51239.96 $527,032.97 52,274.51 5949.53 54308.03 $0.00 $0.00 $0.00 5 0.00 S 0.00 S 0.00 05/02/18 04/30/18 05/01/18 Regular Payment 13534 $4,464.00 51.30738 $528,272.93 52,206.59 $949.53 $3358.50 $0.00 50.00 50.00 5 0.00 5 0.00 S 0.00 04/02/16 03’31I18 04/01/18 Regulat Payment 12016 $4,454.00 $1229.04 $529,560.81 52285.43 $949.53 52.40337 $0.00 $0.00 50.00 S 0.00 S 0.00 S 0.00 03/16/18 03/16118 03/01/18 Counly Taxes 0 10851 ($2350.76) 5530.809 85 252,850.76) 51.459.44 50.00 50.00 $0.00 S 0.00 S 0.00 S 0.0!) 03/01/15 02/28I1B 03/01/18 Regular Payment 10736 54.46430 $1,444.59 $530,809.85 32.06938 $949.53 $4.31 3.20 50,00 $0.00 50.00 5 0.00 5 0.00 S 0.00 02(02113 02IO1I18 02/01/18 Regular Payment 9665 54.46430 51,217.58 5532.254.“ 52.29639 $949.53 $1360.67 50.0!) $0.00 $0.00 5 0.00 S 0.00 S 0.00 01/02/18 12/31I17 01/01/18 Regular Payment 804G 54.464.00 51.212.36 553337202 52302.11 $949.53 52,411.14 $0.00 $0.00 $0.00 S 0.00 5 0.00 S 0.00 12ID4I17 11/30/17 12IO1I17 Regular Payment 6846 54,464.00 51.28128 $534,684.33 $2,233.19 $949.53 31.46161 50.00 $0.00 $0.00 S 0.00 S 0.00 S 0.00 PAYMENTCHANGE NEW INT RATE: 5% NEW P&I: $3514.47 NEW ESC PMT: $949.53 11/15I17 11I15I17 11/22/17 File Policy 0 5590 ($5,121.00) 553536566 ($5,121 00) $512.08 $0.00 50.00 50.00 5 0.00 S 0.00 S 0.00 RMORELOSOO1047 Page 1 73 Loanhisup. Bayview Loan Servicing, LLC 11/26/2019 4:02:05 PM Loan History Summary Paw: 2 Trans Effoctiva Due Trans Check Butch Trans Principal Intern! Escrow LII: Chars: Corp Advances Unlpplied Other Funds Loss Duh Date Dita Dita Desc Numbar Number Amount Amount Blllnce Amount Amount Balance Balance Amount Ballnee Blllna Blllnn Blhnce Loan ID Borrower Name 0200064141 Reynaldo R. Morales 11/14/17 11/14/17 11/01/17 County Taxes 0 5550 (52,850.76) 553536565 152,550 76) $5,633.08 $0.00 $0.00 $0.00 s 0.00 5 0.00 S 0,00 1OI31/17 1OIBDI17 11/01/17 Regular Payment 5334 54382.00 51.201.67 $535,555.56 52.312 BO 5867.53 $8,483.84 50,00 50.00 50.00 5 0.00 s 0.00 S 0.00 10/03/17 09I30I17 10/01/17 Regular Payment 4174 54.352.00 $1,270.55 $537,167.33 52.24149 $667.53 57,616.31 $0.00 $0.00 50.00 s 0.00 s 0.00 S 0.00 09l0‘ll17 OBI31I17 DPID1I17 Regular Paymant 294D 54.35230 51,151.07 $538,435.31 32.32140 $867.53 56.743.78 $0 00 SO OD 50.00 5 0.00 S 0.00 5 0.00 05/02/17 07/31I17 DBIO‘II‘W Ragular Paymanl 1909 $4382.00 51.15535 $539,625.38 52.328 51 5567.53 55.83125 $0.00 50-00 30-00 S 0.00 5 0.00 S 0.00 O7IDSI17 06/30/17 D7I01l17 Regular Payment 757 $4582.00 51.255.64 5540.815.“ 52,255.63 5367.53 55.013.72 $0.00 50.00 $0.00 5 0.00 5 U 00 S 0.00 06/02/17 05/31/17 06/01/17 Regular Payment 32537 54.382.00 51.175.45 $542,071.15 52.33335 $867.53 $4,146.18 5D.DD $0.00 50.00 $ 0.00 S 0.00 S 0.00 DEI12/17 04l30l17 06/01/17 Late Charge Waive 31850 5175.72 $543,246.67 53.278.66 50.00 50.00 SO DD 5 0.00 5 0.00 S 0.00 05/12/17 04I30I17 05lo1l17 Regular Paymenl 31860 $4,382.00 51,245.75 554324657 52.26812 5567 53 53.278 66 5175.72 50.00 $0.00 5 0.00 S 0.00 S 0.00 05/05/17 05/05/17 05/01I17 Lale Charge Assess O 0 ($175.72) 5544.492 42 $2,411.13 $175.72 50.00 50.00 s 0,00 5 D DD s 0.00 04/03/17 03/30/17 04/01/17 Regular Payment 30471 54,332.00 51,165.11 $544,432.42 52,349.35 $837.53 52.41 1.13 50.no $0.00 50.00 S 0.00 5 0.00 5 0.00 03I13/17 03I15/17 03/01/17 County Taxes fl 29521 ($2,780.79) 5545.65153 252,750.79) 51.54160 50.00 $0.00 $0.00 5 0.00 5 0.00 S 0.00 03/01I17 02/28/17 03/01/17 Regular Paymam 29314 54.332.00 $1357.07 554565153 52,127.40 $557.53 $4,324.39 $0.00 50.00 $0.00 5 0.00 S 0.00 5 0.00 02/02/17 02/01I17 02/01/17 Regular Payment 28275 $4,382.00 81.154.17 $547,044.60 52.36030 $867.53 $1456.66 50.00 $0.00 $0.00 s 0.00 s 0.00 s 0.00 01/05/17 01/06/17 02101/17 Tille Cast ET INV 27120 525.00 $548,198.77 52.58933 $0.00 (525.00) $0.00 s 0.00 s 0.00 s 0.00 01/03/17 01(03/17 02/01/17 Tille Cos! 426992 26912 (52530) $548,193 77 $2,539.33 50.00 525-00 525.00 $ 0.00 S 0.00 5 0.00 01/03/17 12(31I16 01/01/17 Regular Paymenl 26903 54,382.00 S1 149 22 $548,198.77 52.36525 $567.53 52.53933 $0.00 50.00 $0.00 s 0.00 s 0,00 s 0‘00 12/02/16 12/02/16 11/22/16 Fire Policy O 25635 (54.89100) 5545.30.55 134,897.00) $1,721 BO 50.00 SO‘DD $0.00 5 0.00 S 0.00 S 0.00 12/02116 11/30/16 12101I1E Regular Payment 25819 54,382.00 $1,220.43 $545,347.99 52,254.04 5667.53 $5,618.80 $0.00 $0.00 50.00 S 0.00 S 0.00 5 0.00 11/14/16 11/14I16 ‘I1I01/16 County Taxes O 24727 ($2.780 75) $550,568.42 52.750.79) $5,751.27 50.00 SD 00 50.00 s 0.00 S 0.00 5 0.00 11/02/16 11IO1I16 11/01/16 Regmar Paymsnl 24427 54.332.00 $1,139.06 $550.558.42 52.375.41 $EG7.53 58.532.06 $0.00 50-00 $0.00 S 0.00 S 0.00 S 0.00 10104/16 1OID1I16 10,01116 Regular Paymenl 23258 54.35100 51,210.64 $551,707.48 52,303.53 $567.53 $7,864.53 50.00 50.00 50.00 s 0,00 5 0,00 s 0.00 09I0211E UEIU‘I/‘IS 09/01/15 Regular Payment 22171 $4,382.00 51,125.99 $552,918.12 $2,335.43 $857.53 56,797.00 $0.00 $0.00 50.00 s 0.00 S 0.00 S 0.00 D7IZSI16 07I29I16 UB/(J1I16 Regular Paymenl 20757 54.38100 51.124.15 $554,047.11 52,390.32 5867.53 55,929.47 50,00 $0.00 50.00 5 0.00 5 0.00 S 0.00 USIBDHB 06/29/16 07/01/16 Regular Paymenl 19455 $4382.00 31.19627 5555.171.26 52,318.20 5567.53 55.06134 $0.00 50.00 $0.00 S 0.00 5 0.00 S ODD OSID1I1S 05/31/16 06101l16 Regular Faymanl 15415 $4,382.00 51,114.20 $558,387.53 $2,400.27 5857.53 $4,194.41 50.00 50-00 50-00 S 0.00 S 0.00 S U 00 04/29/15 04/25I16 05101/16 Regular Paymenl 17202 54,382.00 S1 186.55 $557,451.73 $1327.75 5867.53 $3,326.58 $0.00 $0.00 $0.00 s 0,00 s O_uu s u Du 04(29I16 04/29/16 05/01/16 Late Charge Waive U 5255.17 5558.658.“ $2.459 35 50.00 50.00 $0.00 S 0.00 S 0.00 S 0.00 03/30/16 03/29/16 04/01/16 Regular Payment 15554 54,352.00 51.10434 5555.668 41 52,410.13 $557 53 52.45535 5295.17 50.00 50.00 S 0.00 S [1.00 5 0.00 03/15/16 03I15/16 03/01/16 County Taxes D 15037 ($2525.51) $559,772.75 152,525 B‘I) 51.55182 5295.17 $0.00 50.00 5 0.00 5 0.00 5 0.00 DZIZSI16 02I29/16 03/01/16 Regular Payment D 14679 $4.382 00 51.254.78 $559,772.75 52259.69 5567.53 54.217.73 5295.17 50.00 $0 DO 5 0.00 S 0 00 S 0.00 02/01/16 01(30116 02/01/16 Regular Payment D 13441 54,382.00 51.09422 5551.027.53 52.42025 $857 53 53,350.20 5295.17 $0.00 50.00 5 0.00 5 0.00 S 0.00 01/12/18 01/12/16 0201/16 Lale Charge Payment ADJ 12530 556 27 $562.121.75 52,482.67 5295.17 $0.00 50.00 S 0.00 S 0.00 5 0.00 RMORELOSOO1 O48 Page 174 Loanhilept 11/2612019 4:02:06 PM Bayview Loan Servicing. LLC Loan History Summary page # a Trans Eflectiv- Due Trans Chuck Batch Tran: Pvlnclpll lnhmt Escrow Late Charge Corp Advancu Unapplled Olher Funds Loss Drift Date Date Dale Desc " L “ L ‘ ‘ ‘ ‘ " ' ‘ ‘ ‘ ‘ Balince Amount Balance BIIInce BIIInu BIIInce Loan ID Borrower Name 0200064141 Reynaldo R. Morales D1112/1E 01/12/15 02/01/15 Unappliad Payment ADJ 12530 (856.27) $562,121.75 52.482467 $351.44 $0 DO $0.00 s 0.00 S 0 00 s 0.00 01111l18 01/03/16 02/01/16 Unapplied Paymenl ADJ 12452 ($4,382.00) $562,121.75 $2,482.67 $351.44 $0 DO $0 00 5 55.27 S 0‘00 S 0.00 01/1 1/16 01/08I16 01/01/16 Regular Payment ADJ 12452 $4382.00 $1,089.53 $562,121.75 $2,424.34 5867.53 52,482.67 5351.44 $0.00 $0.00 s 4,433,27 s D ao s 0.00 01/08/16 01/08/16 01/01/16 Unapplied Payment 0 12439 5168.81 5563.21 1.28 511615.14 5351.44 $0.00 $0.00 5 4,438.27 S 0.00 S a 00 01/08/16 01/08/16 01/01/16 Unapplled Payment ADJ 12397 $2,206.42 $563,211.28 51.615.14 $351.44 50.00 50.00 S 4,269.46 s 0.00 S 0.00 01/05/16 01/03/16 01/01/15 Escrow 0n1y Paymenl ADJ 12397 (51,854.98) 556321125 251,854.95) $1,615.14 5351.44 50.00 $0.00 s 2,063.04 S 0.00 S 0 OD 01/08/16 01/08/16 01/D1I1E Lale Charge Payment ADJ 12397 ($351.44) 5563211426 $3,470.12 $351.44 50.00 $0.00 s 2,063.04 s 0,00 s 0,00 01/06/16 01/06/15 01/01/16 Late Charge Payment ADJ 12317 $175.72 $553,211.26 33.470.12 50.00 $0.00 $0.00 s 2,053.04 S 0.00 5 0.00 01/06/16 01/06/16 01/01/16 Unapplisd Payment ADJ 12317 ($175.72) $563,211 28 53.470 12 $175.72 $0.00 $0.00 5 2,063.04 S 0.00 S 0.00 01105116 01/05/16 01/01/15 Lale Charge Assess 0 0 ($175.72) $563,211.23 $3,470.12 $175.72 50.00 30.00 5 24238.76 S 0.00 S 0.00 01/041‘5 12/31/15 01/01/16 Unappliad Payment ADJ ‘2133 ($4,382.00) 556321123 $3,470.12 50.00 $0.00 $0.00 5 2,233.76 s 0.00 s 0.00 01/04/16 12/31/15 12/01/15 Regular Payment ADJ 12133 84.33200 51.16231 556321123 $2.351 56 $867.53 83.470.12 SO 00 $0.00 $0.00 s 3,620.76 S 0.00 S 0 DD 12/31/15 12/31/15 12/01/15 Unapplied Payment O 12095 54,325.73 $564,374.19 32.30259 $0.00 $0.00 $0.00 s 6,620.75 5 0.00 $ 0.00 12105115 1205/15 12/01/15 Late Charge Payment ADJ 10925 5175.72 $564,374.15 52.80159 $0.00 $0.00 $0.00 5 2,295.03 S 0.00 S 0.00 12108115 12/08/15 12/01/15 Unapplled Payment ADJ 10925 (5175472) 856437419 52.60259 5175.72 50.00 $0.00 S 2,295.03 5 0.00 S 0.00 12/03115 12/06/15 12101115 Lale Charge Assess O O (5175.72) $564,374.19 $2,602.59 5175.72 50,00 50.00 S 2.470.75 5 0.00 S 0.00 1203/15 12/03/15 12/01/15 Escrow Only Paymenl ADJ 10724 $1,554.93 $564,374.19 $1,554.98 $2,602.59 50.00 50.00 $0.00 s 2.470.75 S 0.00 S 0.00 12/03/15 12/03/15 12/01/15 Unapplied Payment ADJ 10724 ($1,554.98) 5564.374.“ $747.61 $0.00 50.00 $0.00 S 2,470.75 S 0,00 S 0.00 11/30/15 11/23/15 12101115 Unapplied Payment O 10524 $4,325.73 556437419 $747.61 50400 50.00 50.00 s 4,325.73 s 0,00 s 0.0a 11I1BI15 11/15/15 11/2215 Fire Policy O 10131 ($4,633.00) $554,374.19 ($4,633.00) 5747.51 $0.00 50 DO $0.00 s 0 00 S 0.00 S 0.00 11/05/15 11109115 11/01/15 County Taxes 0 9286 (52,625.91) 556437419 252,625.91) $5,380.61 $0.00 50.00 $0.00 S 0.00 S 0 00 S 0.00 11/02115 10/29/15 12/01/15 Escrow Only Paymenl ADJ 9259 $811.26 5564.374.” SE11 26 58.00652 $0.00 50.00 $0.00 S 0.00 S 0.00 S 0.00 11(02/15 10/29/15 11/01/15 Regular Paymenlwilh Adjust ADJ 9259 $3514.47 $1,079.85 $584,374.19 52,434.59 57.19526 50.00 $0.00 $0.00 5 D 00 S 0‘00 S 0 00 PAYMENT CHANGE NEW INT RATE: 5% NEW P&l: 83514.47 NEW ESC PMT: $867.53 11102115 10/29/15 11/01/15 Unapplied Payment ADJ 9259 (544325.73) $565,454.07 $7,195,26 $0.00 $0.00 50 OD S 0.00 S 0.00 s 0 DO 10/29/15 10/29/15 11/01/15 Unapplied Paymsnl 0 9150 $4.325 73 $565,454.07 57.195.26 $0 00 50400 $0.00 s 4,325.73 s 0.00 s 0,00 0929/15 09/25/15 11/01/15 Escrow Only Payment ADJ 7552 5611.26 5565.454 07 3811.26 $7,195.25 $0.00 $0.00 30.00 s 0.00 S 0.00 S 0.00 09129115 09/25/15 10/01/15 Regular Paymenlwith Adiusl ADJ 7662 53.51447 51.153 60 5565,454407 $2,360.87 56.364.0D 50.00 $0.00 $0.00 S 0.00 5 0.00 s 0.00 09/29/15 09/23/15 10/01/15 Unapplied Payment ADJ 7652 ($4,325.73) 5566.607.67 $6,384.00 50.00 $0.00 $0.00 s 0.00 s 0.00 s 0.00 09/28/15 09I26l15 10/01/15 Unappliad Payment 0 7656 $4325.73 5556,6016? $6,384.00 $0.00 $0.00 50.00 s 4.325‘73 5 0.00 S 0.00 09/01/16 OBIS 1/15 10/01115 Escrow Only Payment ADJ 6336 $811.26 $566.607.67 5811 26 $6384.00 $0.00 30.00 50.00 S 0.00 S 0.00 S 0.00 09/01/15 0W31I15 09/01/15 Regular Payment with Adiust ADJ 6336 53.51447 51.07050 SSSGfiOIG? $2,444.17 55.57214 $0.00 50.00 50.00 s 0.00 s 0.00 s 0,00 09lo1l15 05/31/15 09I01I15 Unapplied Payment ADJ 6336 (54.32513) 556757737 $5,572.74 50.00 80.00 $0.00 5 0.00 S 0.00 S 0.00 RMORELOSOO1 049 Page 1 75 Loanmsum Bayview Loan Servicing, LLC 11/26/201 9 4:02:06 PM Loan History Summary page 1: 4 Tr-n: Efleclive Du: Trans Check Bitch Trans Principll Interest Escrow Late Charge Carp Advances Unapplizd Other Funds Loss Draft Duh Date Due Dean ‘ ‘ -‘ " ' ‘ ‘ ‘ ' ' Balms: Balmo- Lonn ID Borrower Mime 0200064141 Reynaldo R. Morelos 08/31/15 08/31/15 09/01/15 Unappliad Payment D 6323 54,325 73 556167737 55.572.74 50.00 50.00 $0.00 S 4,325 73 S 0.00 S 0.00 08/04115 05/03/15 09I01I15 Escrow Only Payment ADJ 5035 $811.26 556167737 5811.26 55.572.74 SD DD 50.00 50.00 s 0.00 s 0,00 s 0.00 08104115 DBIDSHS OEIO1I1S Regular Payment wilh Adjust ADJ 5035 53,514.47 51.085.71 5567.677 97 52.448.76 54.761.48 50.00 50.00 50.00 5 0.00 5 0400 S 0.00 08104/15 08103115 08/01/15 Unapplied Paymen‘ ADJ 5035 (54.325.73) 5566.74358 54.76148 $0.00 50.00 50.00 s 0.00 S 0.00 S 0.00 08103115 DBIO1/15 OEIU1I15 UnappliEd Payment 0 5019 $4.325 73 3568.74358 54.76146 30.00 50.00 50.00 5 4,325,711 s 0‘00 s O_nn 07101115 06’30/15 08/01/15 Escrow Only Payment ADJ 3289 5811.26 $558,743.68 $811.25 $4,781.48 $0.00 50.00 50.00 S 0.00 S 0.00 S 0.00 07101115 DS/BDHS 07/01/15 Regular Paymenl wilh Adjust ADJ 3239 $1514.47 $1,139.95 $568,743.68 $2,374.52 831950.22 SO‘DO $0.00 50.09 s 0.00 5 0.00 S 0,00 07/01/15 06(30115 07/01/15 Unapplied Paymanl ADJ 3259 ($4,325.73) $569,883.63 53,950.22 $0.00 $0.00 $0.00 5 0.00 5 0,00 5 0.00 06/30/15 05/30/15 07/01/15 Unappliad Paymenl O 3283 54,325.73 $563,883.63 51950.22 $0.00 $0.00 50.00 s 4,325.73 5 0.00 s 0.00 0610215 06/01/15 07/01/15 Escrow Only Payment ADJ 1674 $81126 556935163 5811.26 53,950.22 $0.00 50.00 50.00 s 0.00 S 0.00 S 0.00 [1610215 06/01/15 05/01/15 Regular Payment wilh Adjus‘ ADJ 1674 51514.47 $1,056.26 3569‘853.63 52,458.21 53.13836 50.00 50.00 50.00 S 0,00 S 0.00 5 0.00 06l02l15 05/01/15 06/01/15 Unapplied Paymenl ADJ 1674 ($4,325.73) 5570.939.” 53.13835 50.00 $0.00 $0.00 5 0.00 S 0.00 5 0.00 06101l15 06/D1I15 06/01/15 Unapplied Payment O 1662 54.325.73 $570,539.89 51138.56 50.00 $0.00 $0.00 S 4,325.73 5 0.00 3 0.00 05/01/15 04/30/15 06/01/15 Escrow Only Paymenl ADJ 314 531 1.26 557033939 5811 26 $113858 $0.00 50‘00 $0.00 5 0.00 S 0.00 S 0.00 05/01/15 04130115 05/111115 Regular Paymenlwilh Adjust ADJ 314 $3,514.47 514130.84 557033939 $2,333.63 52,327.70 50.00 SD DO SD 00 S 0.00 5 0.00 S 0.00 05/01/15 04/30/15 05/01/15 Unappliad Payment ADJ 314 (54.32573) 557237013 52,327.70 50,00 $0.00 $0.00 S 0.130 S 0.00 S 0.00 04(30115 04/30/15 05I01/15 Unapplied Paymenl O 301 $4,325.73 5572117013 52.32710 $0.00 $0.00 50.00 s 4325.73 5 0.00 5 0.00 04(02/15 D4ID1I15 USIO1I15 Escrow Only Payment ADJ 31658 3811.26 $572,070.73 581126 52.32710 SO‘DO $0.00 $0.00 s 0.00 S 0.00 S 0.00 04(02115 04/01/15 04/01/15 Regular Paymanlwilh Adjust ADJ 31658 $3,514.47 $1,046.38 $572,070.73 52,467.59 51.516.44 $0.00 50.00 50.00 s 0.00 S 0.00 S 0.00 04/0215 04101/15 04/01/15 Unapplied Payment ADJ 31658 ($4,325.73) $573,117.61 51,516.44 50.00 50.00 50.00 s 0.00 S 0.00 S 0.00 04/01I15 04IO1I15 04/01/15 Unapplied Paymanl 0 31652 54,325.73 $573.1 17.61 $1,516.44 50.00 50.00 50.00 s 4,325 73 S 0.00 S 0.00 OSHOHS 03/1DI15 03/01/15 Cnunly Taxes D 30340 ($2,601.91) $573,117.61 152501.91) $1.516A44 $0.00 $0.00 50.00 S 0.00 S 0.00 S 0.00 03103I15 03/02/15 04/01/15 Escrow Only Payment ADJ 30327 $811.26 $573,117.61 $811.26 54.11135 50.00 50.00 $0.00 S 0.00 S 0.00 5 0.00 03103115 0302/15 03/01/15 Regular Payment wilh Adjust ADJ 30327 53,514.47 51,280.70 $573,117.61 52,233.77 53,307.09 50.00 50.00 50.00 S 0.00 S 0.00 S 0.00 03103/15 03102115 03/01I15 Unapplied Paymenl ADJ 30327 (54,325.73) $574.395‘31 33.30109 $0.0!) $0.00 $0.00 S 0.00 S 0.00 S 0.00 DJIDZHS DZIZBHS 03(01I15 Unapplied Paymeni O 30315 $4,325.73 557439831 53.307.09 $0.00 50400 50.00 5 4.325.73 S 0.00 S 0.00 02/09/15 02(09I15 02I01I15 Principal Adjuslmem adj 29400 $810.99 5810.99 557439831 53,307.03 50.00 $0.00 $0.00 S 0.00 SO‘DD S 0.00 02/09/15 0209/15 02/01/15 Regular Payment adj 29400 54,326.00 $1.033 42 5575420930 52,461.05 5811.53 53.30109 50 00 50.00 50.00 S 0.00 5 0.00 S 0.00 02/09/15 02(09/15 0201/15 Escrow Only Paymeni 29400 (581 1.28) $578,242.72 (58".26) 52.495.56 50.00 50.00 50.00 S 0.00 5 0.00 S 0.00 02109I15 02/05/15 DZIO1I15 Escrow Only Payment 29400 ($3,514.47) 557614212 153,514.47) $3,306.82 $0.00 50.00 $0.00 s 0.00 S 0.00 S 0.00 02/09/15 OZIOSMS 02101115 Escrow Only Payment 29400 (5611.26) 557624272 (5811 26) 56.82129 $0.00 $0.00 $0.00 S 0.00 5 0.00 S 0.00 OZIDSIIS 02/0615 Ofl01/15 Late Charge Waive O $175.72 $576,242.72 $183255 50.00 $0.00 $0.00 s O 00 5 0.00 5 0.00 02106/15 02/06/15 02/01/15 Lale Charge Assess D u (5175.72) 557624212 $7,632.55 5175.72 50.00 $0.00 S 0‘00 S 0.00 5 0.00 RMORELOSOO1 050 Page 1 76 Loanhamm Bayview Loan Servicing, LLC 11/26/2019 4:02:05 PM Loan History Summary Page» 5 Tun: Efiecflve Due Trans Chuck Batch Trans Principal Interest Bcrnw LII: Chara: Corp Advancls Unlpplial Olhar Fund: Luis Draft Date Date Date Dim: Number Number Amount Amount BIIIncu Amount Amount Blllnce Blllncu Amount Balm:- Bllnnce Bullnce Billnce Loan ID Bnrrowar Name 0200084141 Reynaldo R. Morelos D2m3l15 02/02/15 02(01/15 Escrow Only Paymenl 25114 5311.25 $576,242.72 5811.26 57,632.55 50.00 50,00 SD DD 5 D.GD S 0.00 S 0.00 02/03/15 02102115 UZIO1I15 Escrow Only Payment 28114 53.514.47 557524272 53,514.47 56,321.29 SD 0D $0.00 50.00 S 0.00 S 0.00 S 0.00 02103115 02/02/15 02/01/15 Unapplied Payment 291 14 (54.32513) $576,242 72 $3,306.52 $0.00 $0.00 SD DO S 0.00 S 0.00 S 0 OD 02I02I15 01/31/15 02/01/15 UnappIied Payment D 29059 54.325.73 557624212 $3,306.82 $0.00 50.00 50.00 5 4,325.73 S 0.00 S 0.00 01/02/15 12/31114 02/01l15 Escrow Only Payment 273GB $81 1.26 $576,242.72 $311.28 53.30632 50.00 50.00 SO OD S 0.00 S O OD S 0.00 01l02115 12131I14 01/01115 Regular Payment with Adjust 27308 53,514.47 51,025.99 5576.242.72 52,485.45 52,495.56 $0.00 $0.00 50.00 S 0.00 5 0.00 S 0.00 D1IO2J15 12/31/14 01/01/15 Unappliad Payment 27308 ($4,325.73) $577,271.71 52,495.55 $0.00 $0.00 $0.00 s 0.00 5 O_oo s 0,00 12I31I14 12/31/14 01lD1/15 Unapplied Payment 0 27277 54,325.73 5577.271.“ 52,495.56 $0.00 50.00 $0.00 5 4,325.73 S 0.00 S 0.00 12I17l14 12/17/14 11(22114 Fire Policy SD14 26665 ($4,495.90) $577,271.11 (54,455.90) 52.495 56 $0.00 $0.00 50.00 s 0,00 s 0.00 s 0.00 12103!“ 1208/14 01/01/15 Insurance Relunfl INS REF 25131 54,495.50 5577.271 71 54.45530 55,891.46 50,00 50.00 50.00 5 0.00 S 0 00 S 0.00 12/02/14 12/01/14 01/01/15 Escrow Oniy Payment ADJ 2571B $311.26 557727111 5811,26 $2,495.56 50.00 50.00 $0.00 s 0.00 s 0.00 s D u!) 12’02114 12/01/14 12/01/14 Regular PaymEnl wilh Adjust ADJ 2571B $1514.47 51,104.57 $577.271J1 $2,405.90 51,584.30 $0 DO $0.00 $0.00 S 0.00 5 0.00 5 0.00 12102!“ 12/01/14 12/01I14 Unapplied Payment ADJ 2571B (54.325 73) $578,376.28 $1584.30 50.00 50.00 50.00 s o 00 5 O_oo s 0,00 1201/14 12101I14 12ID1I14 Unapplied Payment D 25704 $4,325.73 8578.37628 51.68430 50.00 50.00 $0.00 s 4.325.73 s 0.00 5 D,DD 12/01!" 12/01/14 11/22/14 Fire Policy D 25668 (54,495.90) $573,375.23 (54.49530) 51.684 SD 50.00 50.00 $0.00 S 0.00 5 0.00 5 0.00 11/13!“ 11I13I14 11/01/14 County Taxes D 24236 (52,601.51) 5573.376 25 152,501.91) $6,180.20 $0.00 50.00 50.00 S 0.00 S 0.00 S 0.00 11/05/14 11(03I‘I4 12lD1/14 Escrow Only Paymanl ADJ 24401 $811.26 557537528 5811 26 $3,782.11 $0.00 $0.00 SD‘UU S 0.00 5 0.00 S 0.00 11/05/14 11/03/14 11/01/14 Regular Payment with Adjust ADJ 24401 53,514.47 S1 .019 BS $578,375.23 $2,494.62 57,970.85 50,00 SD 00 $0.00 5 0.00 5 0.00 s D.DD 11/05/14 11/03/14 11’01/14 Unapplied Payment ADJ 2440‘ ($4.325 73) 5579.396 13 57.970 BS 50.00 $0.00 $0.00 5 0.00 5 0.00 S D.DD 11103!” 11l01/‘4 11/01/14 Unapplied Paymenl D 24254 $4,325.73 $579,395.13 $7,970.85 $0.00 50.00 50.00 S 4.325 73 5 0.00 S 0.00 10/02/14 10/02/14 1DIO1I14 Regular Paymenlwilh Adjusl 30976956 22567 54.32513 51.095 75 $579,396.13 $2.4‘B.72 5311 25 57.97035 $0.00 30.00 $0.00 5 0.00 S 0.00 S 0.00 PAYMENT CHANGE NEW INT RATE: 5% NEW P&I: $3514.47 NEW ESC PMT: S81L53 09(19114 09/19!“ 10101/14 Tille Cast INV 21908 $831.00 $580,491.88 $7,159.59 50.00 ($881.00) $0.00 5 0 DO S 0.00 s 0,00 09112114 05l12/14 10/01/14 Tilla Cos! 400788 21581 (5381.00) $560,491.58 57,159.59 $0.00 5381.00 3881.00 s 0 00 s 0,00 s O_nn 09/03/14 09/02/14 09/01/14 Regular Payment 76090451 21063 54,325.73 51,010.76 $580,491.88 $2,503.69 5811.25 57,159.59 5mm 50-00 50-00 S 0.00 5 0.00 5 0.00 PAYMENT CHANGE NEW INT RATE: 5% NEW P&l: $3514.47 NEW ESC PMT: $811.26 08H 1/14 DBI11I14 06101114 Principal Adjustmem MOD 19920 ($15,855.55) ($15,855.95) 5531.502 ES 56,348.33 50.00 $0.00 $0 00 5 0.00 S 0.00 S 0.00 UBI11I14 08l11l14 07/01/14 Legal Fees MOD 15920 $39.00 $561,548.71 55.34533 50.00 (539.00) 50-00 S 0.00 S 0.00 S 0.00 08111!“ DBI11I14 07/01/14 Mudil'lcal'lun Fee MOD 19920 $500.00 $561,646.71 $6.348 33 50.00 50.00 $39.00 s 0.00 5 O_Oo s 0.00 Oal11l14 05/11/14 07/01/14 Unapplied Payment MOD 19920 (54.41134) 556154531 56.345 33 50.00 $0.00 539.00 5 0.00 S 0,00 5 0.00 08/1 1/14 DBH 1(14 07/01/14 Escrow Only Payment MOD 19920 514.587 34 5581 £46.71 114.687.34 58.34833 50.00 $0.00 $39.00 S 4,41 1.34 S O DO S D.GD 08/11/14 03/11/14 07/01/14 InlBrast Only Paymem MOD 19920 $9,040.95 $561,548.71 59,040.55 (58.339 O‘I) 50.00 50.00 539.00 S 4,411.34 $ 0.00 S 0.00 08/1 1/14 DBI11I14 07/01/14 Modification Fee 0 ($500.00) 5561.645.” (58339.01) $0.00 $0.00 539.00 S 4,411 34 S 0.00 5 0.00 RMORELOSOO1051 Page 1 77 Laanmsupz Bayview Loan Servicing, LLC 11/26/2019 4:02:06 PM Loan History Summary Payne s Trlnl Effective Due Trlni Chack Batch Trans Principal Interest Escrow Late Chara: Corp Advancui Unapplled Other Fundl Lei: Drift Duh Dale Date Desc Number Number Amount Amount BIIInee Amount Amount Bllnnce Balance Amount Balance Balance Bullnu Blhnue Loan ID Borrower Name 0200064141 Reynaldo R. Morelos OE/11I14 03/08/14 07l01l14 Unapplied Payment C0627BEE 19901 52,300.00 $561,646.71 [53.339311 $0.00 $0.00 $39.00 s £411.34 S 0.00 5 0.00 07/08/14 07/08/14 07/01!“ Lela Charge Waive 0 D 5251.51 $561,646.71 ($5,339 01) 50.00 50.00 $39.00 5 2,111 34 s 0,00 s 0,00 07/05/14 07106!“ 07/01/14 Late Charge Assess O 0 ($251.51) 5561.646.71 ($8,335.01) $251.51 50.00 539.00 s 2_111.34 s 0.0L] s 0,00 061‘23/14 06/20/14 07/01/14 Unapplied Payment WUQC 17237 ($569.71) $561,646.71 (56.33501) $0.00 50.00 $35.00 s 2.111.34 s 0.00 s a_oo 06/23/14 OSI20I14 05/01/14 Regular Payment WUOC 17237 $7,149.00 5432.15 5561.645.“ 54.595.12 52.118.73 (58333.01) $0.00 SD 00 $39.00 s 2,531.05 s 0.00 s 0.00 OSIOEIM OGIOEI14 OSIO‘IIM Lale charge Waive O O $251 51 5562.078 BB (510.457.74) 50.00 $0.00 $39.00 S 2,681.05 S 0.00 s 0.00 Ul/06I14 06/05/14 06/01/14 Late Charge Assess O 0 ($251.51) $562,075.56 (510.457.74) 5251.51 $0.00 $39.00 S 2.681.05 S D 00 S 0.00 05/21/14 05I20I14 DEIO1I14 Unappliad Payment 36525495 15531 (5569.71) $562,075.56 ($10,457.74) $0.00 50.00 $39.00 S 2.681.05 5 0.00 $ 0.00 05/21!“ 0520/14 05/01/14 Regular Payment 36525495 15531 57.149 OD $575.92 $562,078.86 $4,454.35 $2,118.73 ($10,457.74) 50.00 $0 OD $35.00 5 3,250.76 S 0.00 S 0.00 PAYMENT CHANGE NEW INT RATE: 9.5% NEW P&I: $5030.27 NEW ESC PMT: fl! 18.73 05/07/14 05/07/14 05/01/14 Title Fee 227475 14873 ($18.00) $562,654.78 (512.576.47) 50.00 $13400 $39.00 s 3,250 76 5 0.00 s 0.00 05/07!“ 05/07/14 05/01/14 Tille Fae 227478 14873 (521.00) 5562.654.” (512.576.47) $0.00 $21.00 $21.00 s 325176 s 0,00 s 0,00 DSIOSIM 05/06/14 05/01/14 Late Charge Wawe D 0 8251.51 $562,654.73 ($12,576.47) 50.00 50.00 $0.00 5 3,250.76 S 0.00 5 0.00 05/06/14 05I06l14 05IU1I14 Late Charge Assess 0 0 ($251 51) $562,654.75 (512,576.47) 5251.51 50.00 $0.00 s alzsuja s 0.00 s 0,00 D4l22l14 04/19/14 05/01!“ Unapplied Payment 99331858 13950 $912.65 5562.654.” ($12,576.47) $0.00 $0.00 50.00 s 3.250.76 S 0.00 S 0.00 0412214 D4I19l14 04/01/14 Regular Payment 98331855 13550 $5,766.80 $423.97 $562,654.78 54.606.30 $736.33 ($12,576.47) $0.00 50,00 50.00 s 2,433.07 S 0.00 5 0.00 04/08/14 04/08/14 04/01/14 Late Charge Waive O O $251.51 $563,373.75 (513,312.50) $0.00 $0.00 50.00 s 2.435.07 5 0.00 s 0.00 DAIDEIM 04/06/14 04/01/14 Late Charge Assess D O ($251.51) $563,078.75 ($13,312.60) $251.51 $0.00 50.00 S 2.438.07 S 0.00 5 O 00 DSIZ1I14 03/20I14 04/01/14 Unapplied Faymenl 2532-663 12235 $812.63 $563,073.75 (511312.80) $0.00 50.00 50.00 S 2,438.07 S 0.00 S 0.00 03/21/14 03/20!“ 03(01/14 RagularPaymenl 2832-663 12238 55,766.60 $863.36 $563,075.75 54.166.51 5736.33 (513,312.80) 50.00 50.00 $0.00 5 1.625.38 S 0.00 S 0.00 PAYMENT CHANGE NEW INT RATE: 9.5% NEW P&I: 35030.27 NEW ESC PMT: $736.33 U3/12I14 03I12I14 03/D1l14 Counly Taxes O 11128 ($2,575.58) $563,542.11 32.57558) (514.049.13) 50.00 $0.00 $0.00 s 1,625.38 5 0.0a S 0.00 03I06/14 03/06/14 03/01!“ Lala Charge Waive 0 0 5251.51 5563.542.“ ($11,473.55) 50.00 50-00 $0.00 5 1,625.33 5 D DU S 0.00 03/05/14 03/06/14 03/01I14 L313 Charge Assess D D (5251.51) $563,942.11 ($11,473 55) $251.51 5° 00 50.00 S 1,625.33 S 0.00 s 0.00 02/20/14 02/20!“ 03/01/14 Unapplied Payment 9476-524 10582 5312.65 5563.942 11 (511.473.55) $0.00 $0.00 $0.00 s 1,525.38 s 0,00 S 0.00 02120l14 02120/14 02/01/14 Regular Payment 9476-824 10582 55,766.60 $413.53 5563.942.“ $4.616 74 5733.33 (511.473.55) 50.00 50.00 50.00 s 312.69 S 0.00 5 0.00 02I06I14 02/06!“ 02ID1/14 Lala Charge Waive O D $251.51 5564.35.64 (812209.88) 50.00 $0.00 $0.00 s 812.69 s 0.00 s 0,00 02/06/14 0206/14 02/01114 Late Charge Assess 0 O ($251.51) $564,355 64 (512,209.85) 5251.51 50.00 50-00 5 812.69 S 0.00 S 0.00 D1I20I14 01I20/14 02/01/14 Unapplied Paymenl 9546-137 8636 5312.69 5564.355 64 ($12,209.55) 50.00 $0.00 $0.00 s 312,69 5 0.00 s 0.00 01/20/14 01/20/14 01/01/14 Regular Payment 9546-137 8635 55,766.60 $410.17 5564.355 E4 84.620.10 $736.33 (512209.88) 50.00 SO 00 50.00 s 0.00 S 0.00 S 0.00 01IO7I14 01/07/14 01/01/14 Lala Charge Waive O 0 $251.51 5564.765.“ (512,946.21) 50.00 50-00 50-00 5 0.00 5 0.00 S 0.00 (11/07/14 01/06/14 01/01/14 Lala Charge Assess D U ($251.51) $564,765.81 (512,946.21) 5251.51 50.00 50.00 S 0.00 S 0.00 S 0.00 12I31I13 12/31/13 01/01/14 Unapplied Payment adj. 7539 (52,701.30) $564,755.81 ($12,946.21) $0.00 50.00 $0.00 s 0,00 s 0.00 s 0,00 RMORELOSOO‘I 052 Page 1 78 Loanmsm: Bayview Loan Servicing, LLC 11/26/2019 4:02:06 PM Loan History Summary Page# 7 Tnnl Efllcflve Du: Trlnl Chuck Eltch Trlnl Principal lulu“! Escrow Lam Charge Corp Mvancas Unapplled Olhlr Funds Ln: Dnn Dlh Date Dale Den ' Balance Amount Amount Bahncl Eallnce Amount Balance Blllnce Bahnel 3mm Lnan ID Borrower Name 01000641 41 Reynaldo R. Morelos 12/31]!!! 12/31I13 01/01/14 Escrow Only Payment adj. 7539 $553.80 $564.765.81 $558.80 (512346.21) 50.00 50.00 50.00 $ 2,701.30 S 0.00 5 0.00 12/31/13 12/31/13 01/01/14 Foreclosure Fee ad]. 7539 52,142 50 $564,765.81 ($13,505.01) 50.00 (52.14250) $0.00 S 2,701.30 S 0.00 S 0.00 12/30/13 12/20/13 01/01/14 Unapplied Faymenl 8192-790 7452 5512.69 $564,755.81 (511505.01) 50.00 50.00 $2,142.50 S 2.701.30 5 0.00 5 0.00 12/30/13 12I20I13 12/01/13 Regular Paymem 8152-790 7452 55,766.60 $554.81 $564,765.81 54,475.46 S736 33 (513.505.01) 50.00 $0.00 52.142.50 S 1,886.61 5 0.00 5 0.00 11/21/13 11/20/13 12/01/13 Unapplied Paymenl 2000-592 4952 5812 69 $565,320.62 (514.241 34) $0.00 $0 00 52,142.50 S 1.588.61 5 0.00 S 0.00 11/21/13 11/20/13 11/01l13 Ragular Paymem 2000-592 4952 55,766 60 $402.34 5565.32052 $4,627.93 $736.33 (514241.34) 50.00 50.00 52,142.50 S 1,075.92 5 0.00 S 0.00 11/1 9/13 11I19l13 11l22l13 Flre Policy 0 4750 ($4.584 DO) $565,722.96 254,584.00) (514,977.67) SO OD 50.00 52.142.50 S 1.075.92 S 0.00 S 0.00 11I1 2/1 3 11l1 2/1 3 11IO1I1 3 Cuunly Taxes 0 3782 (52.575.58) $565,722.96 (52.57558) ($10,393.67) 50.00 50.00 52,142.50 s 1,075.92 S 0.00 S 0.00 10/23/13 10/19/13 11I01/13 Unapplied PaymEnt 7790-998 3086 $812.69 $565,722.96 (57.818.09) 50.00 $0 00 52.142.50 5 1.07532 s [1.00 s (J_ou 10/23/13 10/19/13 10/01/13 Regular Payment 7790-998 3086 55.76650 $547.30 $565,722.96 54.48237 5736.33 (57.81109) 50,00 50‘00 52.142.50 3 263.23 S 0.00 5 0.00 09I23I13 0900/13 10/01/13 Unapplied Payment 3024-262 995 (54.95331) 5565.270 26 (58,554.42) $0.00 50.00 52,142.50 5 263.23 5 0.00 5 0.00 09/23/13 09l20l13 09/01/13 Regular Payment 3024-262 995 35.766.60 $394.64 $566,270.26 54.635.63 $736.33 ($8,554.42) 50‘00 $0.00 52,142.50 S 5,217.14 S 0.00 S 0.00 PAYMENT CHANGE NEW INT RATE: 9.5% NEW P&l: $5030.27 N'EW ESC PMT: $736.33 09123/13 09/20/13 08/01/13 Regular Payment 3024-262 995 55.76650 $391 .43 $566,664.90 54.638.84 5736.33 (59,290.75) $0.00 $0 00 $2,142.50 s 5217.14 s [100 s a_na 08/21/13 05/20/13 08/01/13 Unapplied Payment 5517-585 31710 5812.69 5567.05833 (510,027.08) 50.00 50.00 51142.50 5 5,217.14 5 0.00 5 0.00 08/21/13 08120113 07/01/13 Regular Payment 8517-585 31710 $5,766.60 5536.82 556795633 $4.493 45 $736.33 (510.027.06) 50.00 $0.00 $2.142 50 3 4,404.45 S 0.00 S 0.00 07/24/13 07/20/13 07/01/13 Unapplied Payment 3974-263 29831 $812.69 5567.593 15 ($10,763.41) 50.00 50.00 52.142.50 S 4,404.45 S 0.00 S 0.00 07/24/13 07/20/13 06/01/13 Regular PaymEnl 3974-263 29831 $5,766 60 5383.90 5567.593.15 54.64637 $736.33 ($10,763.41) $0.00 $0.00 52,142.50 S 3,591 76 S 0.00 S 0.00 07l22l13 07/22/13 06(01/13 Pieperly Inspecfion 217230 29701 (51 5.00) 556737105 (511.499.74) $0.00 S15 00 52,142.50 5 3,591 76 S 0.00 5 0.00 06/26/13 06/20/13 06/01/13 Unappliad Payment 7791-827 28190 $812.69 $567,977.05 (511,499.74) 50.00 $0.00 522.127.50 s 3,591.76 S 0.00 S 0.00 06128/13 06I20I13 05/01113 Regular Payment 7791-827 25190 $5,766.60 5529.59 5567.977.05 $4,500.58 5736.33 (511.499.74) $0.00 $0.00 52.127.50 s 2.779.07 S 0,00 S 0.00 05/20/13 05/1 8/13 05/01/13 Unapplied Payment 7099-351 24942 $612.69 $568,506.64 ($12,236.07) 50.00 $0.00 52.127.50 5 2.779.07 s 0.00 5 0.00 05/20/13 05/18/13 O4IO1I13 Regular Paymenl 7059-351 24942 $5,766.60 5376 49 $568.505A64 $4,653.78 $735.33 (512236.07) 50.00 $0.00 $2,127.50 S 1.966.38 S 0.00 S 0.00 04/22/13 04/19/13 04/01/13 Unapplied Paymen‘ 4304-550 22647 5812.69 $555,883.13 ($12,972.40) 50.00 SO 00 52,127.50 s 1.96633 s 0,00 5 0,00 04/22/13 04H 9/13 03/01/13 Regular Paymenl 4304-580 22647 55766.60 5820.79 5558.883.” $4,209.48 $736.33 ($12,972.40) 50.00 SO 00 52.127.50 5 1.153.69 S 0.00 5 0.00 PAYMENT CHANGE NEW INT RATE: 9.5% NEW P&l: $5030.27 NEW ESC PMT: $736.33 03/22I13 03I22l13 03(01/13 County Taxes 0 18606 ($2,535.96) $569,703.92 252,535.96) (513,708.73) $0.00 50,00 $2,127.50 S 1.153.55 S 0.00 5 0.00 03/21/13 GEIZOHS 03/01/1 3 Unapolied Paymenl 640-9922 19747 $812.69 $569,703.92 ($1 1 ,172.77) 50.00 $0.00 52.127.50 S 1,153.69 5 0.00 S O 00 03I21l13 03/20/13 02/01/13 Regular Payment 640-9922 19747 35.766.60 $365.77 $559,703.92 54.66150 $736.33 (51 1.172.77) 50.00 $0.00 52.12750 S 341.00 S u 00 S 0.00 PAYMENT CHANGE NEW INT RATE: 9.5% NEW P&I: $5030.27 NEW ESC PMT: $736.33 03lo4/13 03/01/13 0201/13 Propeny lnspectiun 211054 17868 ($15.00) 5570.070.69 ($1 1 £09.10) $0.00 $15.00 52.127.50 5 341.00 5 0.00 5 0.00 02/27/13 02/27/13 02/01/13 Foreclosure Fae 210882 17583 ($450.00) 5570.070.69 (S1 1,909.10) 50.00 5450.00 52.1 12.50 S 341.00 5 0.00 5 0.00 02127!” 02/27/13 02/01/13 Tille Cos! 210882 17563 (5881.00) $570,070.69 (511309.10) $0.00 5881.00 51,662.50 S 341.00 S 0.00 5 0.00 RMORELOSOO1 O53 Page 1 79 Laanmsupc Bayview Loan Servicing, LLc 11/26/201 9 4:02:06 PM Loan History Summary Page s a Tun: Eflecllve Duo Trans Check Batch Trans Principal Interest Escrow Late Chlrgn Carp Advance: Unapplied Other Fund: Loss Draft Data Dale Date Dal: " '- " L “ ‘ ‘ Ballnca Amount Amuunl Blllnce Bullnce Amnunl Balance Balance Blllnn- Balance Loan ID Borrower Name 0200054141 Reynaldo R. Moreloa 02/27/13 02/27/13 02ID1I13 Foreclosure Cost 210552 17583 (5250.00) $570,070.69 ($11,905.10) 50.00 $280 DO 5751.50 5 341.00 s 0.00 s 0.00 02/25/13 02/25/13 02/01l13 Lale Charge Waive O 52.766.61 $570,070.69 (511,909.10) 50.00 $0.00 5501.50 s 341.00 S 0.00 S 0.00 02(22113 02/21/13 02/01I13 Unapplled Paymenl 58053-94 17173 (521.243.00) $570,070.69 (511309.10) 52,766.51 50-00 5501-50 S 341.00 S 0.00 S 0.00 02122113 02/21/13 01/01/13 Regular Payment 55053-94 171 73 57.117.00 5363.60 $570,070.69 54.663.47 52,056.73 (511309.10) $2.766 B1 $0.00 $501.50 s 21,554.00 s 0.00 S 0.00 PAYMENT CHANGE NEW INT RATE: 9.5% NEW P&l: $5030.27 NEW ESC PMT: 52036.73 02/22/13 02’21I13 12IO1I12 Regular Payment 53093-94 17173 57,042.00 5510.29 $570,434.49 54,519.98 $2,011.73 ($13,995.83) 52.75651 $0.00 5501.50 5 21,534 nu s 0.00 s 0.00 02/22/13 02/21/13 11I0‘II12 Ragular Payment 55093-94 17173 87.042.00 5356 71 $570,944.78 54,673.56 52.011.73 ($16,007.56) 32,766.61 50.03 $501 SD s 211534.00 s 0,00 s 0,00 OZZZI‘IS 02(21113 10(01/12 Regular Payment 55093-94 17173 57.042.00 $503.45 5571.301.“ $4,526.79 52.011.73 (513,015.29) 52.766.61 $0.00 $501.50 s 21,554.00 s 0,00 s 0.00 02/12/13 02/12/13 10/01/12 BPO Fee 210047 16253 (S400 00) $571,804.87 (520.031.02) $2,766.61 $400.00 $501.50 s 21,534.00 s a_uu 5 0,00 DflO1/13 01/31/13 10/01/12 Unapplied Payment 57203-05 15304 55,356.00 557130437 ($20,031.02) $2,766.61 50 DD $101.50 s 21534.00 s a_oo s 0.00 01/30/13 01/30/13 10/01/12 Late Charge Waive 0 $251.51 $571,804.97 ($20,031.02) $2,766.31 $0.00 $101.50 s 16,188.00 S 0.00 S 0.00 01l25l13 01/25/13 10/01/12 Property Inspection 205949 14363 (515.00) 557130437 (520,031.02) 53.018.12 515.00 5101.50 s 16,188.00 S 0.00 5 0.00 01/05/13 01106113 01/01/13 Late Charge Assess 0 0 (5251.51) $571,804.97 ($20,031.02) 53.015.12 $0.00 $85.50 s 16.13830 s 0,00 s 0,00 01/02/13 12I31I12 10IO1I1Z Unapplied Payment 00842453 11137 5396.00 $571,804.97 (520,031.02) 52,766.61 50.00 $88.50 s 16,188.00 5 0.00 s 0.00 D1/OZI13 12/31I12 10/01/12 Unappliad Payment 00842482 11137 $5.000 00 $571,504.97 (520,031.02) 52,765.61 50.00 555.50 5 15.792.00 5 0.00 5 0.00 12/25/12 12/23/12 10I01/12 Property |nspsclinn 206548 10659 (515.00) 5571.80437 ($20,031.02) 52.766.61 515.00 535-50 s 10.792.00 5 0.00 S 0.00 12128112 12/28/12 10/01/12 Pmpany Inspscliun 206945 10659 ($15.00) $571,804.57 (520.031.02) 52.766.61 515.00 S71 50 S 10,792.00 S 0.00 5 0.00 12/05/12 12l06/12 12IO1I12 Late Charge Assess 0 O (5251.51) $571,304.97 (520,031.02) 52.765.61 50-00 $55.50 S 10.792.00 S 0.00 S 0.00 12/03/12 11Iam12 10/01/12 Unapplied Payment 0 7447 5356.00 5571.304 s7 (520.031.02) 52,515.10 50.00 555.50 s 10,792.00 s 0.00 s 0.00 12103112 11/30/12 10/01112 Unapplieu Payment o 7447 $5,000.00 $571,504‘97 (520931.02) 52.515.10 50.00 $56.50 5 10396.00 s 0.00 s 0.00 11I20l12 11/20I12 11/01/12 County Taxes O 4042 ($2,535.96) $571,804.97 f52.535.951 ($20,031.02) 52.515.10 $0.00 $56.50 S 5,396.00 S 0.00 s 0‘00 ‘I‘IIDSI12 11105112 11/01I12 Lale Chalge Assess 0 0 (5251 Sfl) 5571.304 B7 (517,495.06) 52.515.10 $0.00 556.50 s 5,395.00 S 0.00 S 0.00 10/31/12 10/31/12 10mm: Unapplied Payment a 3555 5356.00 5571.50437 (517,495.05) 52,253 59 50.00 556.50 s 5,396.00 s 0.00 s 0.00 10/31/12 10/31/12 10’01/12 Unapplied Payment n 3665 55,000.00 $571,504.97 (517,495 06) 52,263.59 50.00 $56.50 s 5.000.00 s 0.00 s 0.00 10l28l12 10/24/12 10(01/12 Pruperty Inspection 2715 (515.00) $571,804.57 (517.495.06) $2253.59 515.00 $56.50 S 0.00 S 0.00 5 0.00 10/23/12 10/23/12 11/2212 Fire Policy o 2502 ($3,764.00) 5571.80437 133164.00) (517.495 06) 52,253 59 50.00 541.50 s 0.00 s 0.00 s 0.00 10/19/12 10/10/12 09/01/12 Regular Payment wilh Adjust ADJ 2254 $5,396.00 5349.73 557150437 54,680.54 5365.73 (513,731 us) $2163.59 50,00 541.50 s 0 DD s 0.00 s 0.00 10119/12 10I1o/12 05/01/12 Unapplied Payment ADJ 2253 (55,396.00) 5572.154Ju (514396.79) 52263.59 50m 541.50 s 0.00 s 0.00 S um 10/05/12 10/06/12 10/01/12 Late Charge Assess u o ($251.51) 557215410 (514396.79) 52.26159 $0.00 s41 50 s 5,395.00 s 0.00 s o.cn 10/01/12 09/29/12 09/01/12 Unapplied Payment o 32693 $396.00 $572,154.70 (514,095.79) 52,012.08 $0.00 541.50 s 5,396.00 s 0.00 S 0.00 10/01/12 09/29/12 09101112 Unapplied Payment D 32693 55,000.00 5572.154Jo {514.u96.791 52,012.08 50m 541.50 s slooopo s mm s a_uo 09128112 05/25/12 oslomz Propeny Inspection 201402 3234a (515.00) 5572.154JD (514,096.79) 52.012.08 515.00 541.50 s 0.00 s 0.00 s 000 09/05/12 09/04/12 06/01/12 Regular Paymem with Adjust ADJ 29653 55,396.00 5346.89 $572,154.70 54.68138 $365.73 (514,096.79) 52,012.05 $0.00 526.50 5 o.co s 0.00 s 0.00 RMORELOSOO1 054 Page 1 80 Loanmsrm Bayview Loan Servicing. LLC 11/26/2019 4:02:06 PM Loan History Summary page u 9 Tun: Efledlvu Due Tun: chcnk Batch Trans Principal lnhrut Bum Late Charge Corp Advtnnes Unapplled Other Funds Lass Bran Duh Dale Dale Due Number Number Amount Amount Bullnce Amount Amount Blllnu BIl-nel Amount Blllnca Ellnna Blllnn Blllnco Loan ID Borrower Name 0200054141 Reynaldo R. Morelos 05(05I12 09104/12 OB/D1I12 Unapplied Payment ADJ 29552 ($5356.00) 557250159 ($14,462.52) $2,012.08 50.00 525.50 5 0.00 S 0.00 5 0.00 08/31112 Dala1l12 06/01112 Unapplied Payment 00647031 25961 $5,000.00 557250159 (514,462.52) 52.012.05 50.00 525.50 s 5,396.00 S 0.00 s 0.00 08/31/12 08/31/12 05/01/12 Unapplied Payment 00647032 26961 $395.00 557250159 (514,462.52) $2,012.05 50.00 $26.50 s 396,00 s 0.00 s 0.00 08(02112 08/01112 07/01/12 Regular Paymenl wllh Adjust ADJ 24331 55.396 DO 5494.05 5572.501‘53 54.53622 5365.73 (514,482.52) 52,012.08 50.00 $25.50 S 0.00 S 0.00 S D OD 08I02l12 05/01/12 07/01/12 Unappliad Payment ADJ 24330 (55,396.00) 557239554 (514.828.25) $2,012.05 50.00 526.50 s 0.00 S 0.00 S D.GD u7l31/12 07/31/12 07/01/12 Unappllad Payment 00645324 23443 5356.00 $572,995.64 (514528.25) $2,012.05 50.00 $25.50 s 5,356.00 s 0.00 5 D.GD 07131I12 07/31/12 07ID1I1Z Unappliad Payment 00645323 23443 $5,000.00 $572,895.54 ($14,528.25) 52,012.08 $0.00 $26.50 3 5.00100 S 0.00 S 0.00 07/06/12 07/06112 06/01/12 Regular Payment with Adjust ADJ 19349 $5,396.00 $340.07 5572.995.“ 54.69020 $365.73 (514.828.25) $2,012.05 $0.00 526.50 5 0.00 S 0.00 S 0.00 OTIOBHZ 07/06/12 06/01/12 Unappliad Faymanl ADJ 1534B (55,396.00) $573,335.71 ($15.19338] 52,012.05 50.00 $26.50 s 0.00 S 0 00 S 0.00 D7IDBI12 07/05/12 07/01/12 Late Charge Assess O O (5251.51) $573,335.71 (315.193.93) 52.012.05 $0.00 $25.50 5 5,396 00 S 0.00 S 0.00 07/02/12 06/30/12 OE/n1l12 Unapplied Payment Q063-64 15535 55,396.00 $573,335.71 ($15,193.98) 51,760.57 $0.00 526.50 5 5.396.00 s 0.00 S 0.00 05(22I12 DEIZZHZ 06/01/12 Plupafly Inspection 191360 17002 (515.00) 557133571 (515393.98) $1,760.57 $15.00 Slam 5 0.00 S 0.00 5 0.00 05/05I12 06/05/12 05101112 Regular Payment with Adjust ADJ 13530 $5,356.00 5487.50 5573.33531 $4,542.77 $365.73 (515,193.55) $1.760.57 50.00 511.50 s 0.00 s 0.00 s 0.00 06/05/12 06/05/12 05/01/12 Unapplied Payment ADJ 13524 (55.356.00) $573,823.21 ($15,559.71) $1,760.57 $0.00 $11.50 s 0,00 S 0.00 S 0.00 05I31/12 05/31/12 05/01/12 Unapplied Payment 00074-76 13322 55,336.00 $575,323.21 ($15,555.71) 51.76057 50.00 511.50 S 5,395.00 S U 00 S D.GD 05/24/12 05/23/12 05/01/12 Insurance Refund WIRE 11579 5431.58 $573,823.21 $431.58 ($15,553.71) 51,760.57 50.00 511.50 5 0.00 S 0.00 S O.HO 05/08/12 DSI06I12 05/01/12 Lale Charge Assess D D ($251.51) $573,823.21 ($15,991.29) 51.760.57 50.00 $11.50 5 0,00 s 0.00 s 0,00 05/01/12 04/30/12 04/01/12 Regular Paymenl 00451-62 19021 57.042.00 $333.35 5573.!2321 54,695.92 $2,011.73 (515391.29) 51.503.05 50.00 511.50 S 0.00 S 0.00 S 0.00 PAYMENT CHANGE NEW TNT RATE: 9.5% NEW P&I: $5030.27 NEW ESC PMT: $2011.73 04/06/12 04106112 04/01/12 Insurance Relund 335870 27915 52,252.95 $574,155.58 $2,292.99 ($13,003.02) 51.509.06 $0.00 511.50 S 0.00 S 0.00 S 0.00 04/04/12 04/04/12 03/D1I12 Regular Paymenlwith Adjusl ADJ 23765 55.395.00 5631.54 $574,156 55 $4,398.73 $365.78 ($20,296.01) 51.509.06 $0.00 $11.50 S 0.00 S 0.00 S 0.00 04/04/12 04/04/12 03/01I12 Unapplied Payment ADJ 23765 ($5,356.00) $574,758.10 (520,661.74) $1,509 DE $0.00 $11 50 s 0.00 S 0.00 5 0.00 04(03I12 04/02/12 03ID1/12 Unapplizd Payment OC346-47 2720 $5,396.00 $574,785.10 ($20,661.74) 51.50936 $0.00 511.50 s 5,395.00 s o uo s 0,00 03/15/12 03I15/12 03/01/12 County Taxes 0 80476 ($2.631 87) $574,788.10 32.63137) ($20,661.74) 51.509.06 50.00 511.50 s 0.00 s 0.00 S 0.00 08/06/12 03/06/12 03/01/12 Late Charge Assess O 0 ($251.51) $574,788.10 ($18,029.87) 51.509.08 50.00 $11.50 5 0.00 5 0.00 S 0 OD 02123/12 02I23I12 02101/12 Ragular Paymenl with Adjust ADJ 12436 55.395.00 5325.52 $574,735.10 $4,704.75 $365.73 (518.029.87) $1,257.55 $0.00 $11.50 5 0.00 S 0.00 S 0.00 PAYMENT CHANGE NEW INT RATE: 9.5% NEW P&l: $5030.27 NEW ESC PMT: $2620.73 02(23l12 02123112 02/01/12 Unapplied Payment ADJ 12435 (55.39630) 5575.11162 (518395.60) 51.257.55 50 00 511.50 5 0.00 S 0.00 S 0.00 02/22/12 0321/12 0201/12 Unappliad Payment 00782-83 10989 55.396.00 $575,113.62 ($18,395.60) $1,257.55 $0.00 $11.50 5 5,356.00 5 0.00 S D.GD 0221/12 02/21/12 01/01/12 Insurance Premium Disbursement O 984B ($1,350.99) $575,113.62 {51,360.99) (515,395.60) 51.257.55 $0.00 511.50 s 0,00 5 0.00 5 0,00 0211 3/12 DEM 3/12 11/01/11 Insurance Premium Disbursement D 23781 ($932.00) $575,113.62 ($532.00) (517,034.61) $1,257.55 50.00 511 50 5 0 0n s 0,00 s 0.00 02(07112 02/06/12 02/01/12 Late Charge Assess U 0 (5251.51) 5575.113.62 (516.102.61) $1,257.55 $0.00 $11.50 5 0.00 5 0.00 5 U 00 01/04/12 01/03/12 01/01/12 Regular Payment 00139-40 11788 55,396.00 $322.58 $575,113.62 54.70739 5365.73 ($15,102.61) 51.00534 $0.00 S11 50 s 0.00 S 0.00 5 0.00 RMORELOSOO1 055 Page 181 Loanmsum Bayview Loan Servicing, LLC 11/261201 9 4:02:06 PM Loan History Summary Page v: 1o Trans Effective Due Trans Check Batch Trans Principal lnurut Escrow Late Charge Corp Advances Unapplied Other Funds Loss Draft Date Dale Date Desc L ‘ L ‘ ‘ -‘ ‘ ‘ ‘ ‘ " ‘ Balance Amount Balance Balance Balance Bulance Loan ID Borrower Name 0200064141 ReynaIdo R. Morelos 12/02111 12/01/11 12/01/11 Regular Payment 06634155 16452 $5,396.00 5471.00 357543650 54,559.27 $365.78 (”6.468.341 51.006.04 50.00 511.50 5 0‘00 S 0.00 S 0.00 11123111 11/23/11 11/01/11 Counly Taxes 0 29025 (52.631487) 557530750 ($2,631.67) (516,834.07) $1,005.04 50.00 511.50 s 0.00 s 0,00 s 0‘00 11107111 11/01/11 12/01/11 Corp Adv Conversion 06735297 28959 51.666.50 $575,907.50 (514,202.20) 51,005.04 (51,666.60) 511-50 S 0.0a S 0.00 s 0.00 11/07/11 11/01/11 12/01/‘1 Escrow Only Payment 00739297 25955 51,918.72 557530750 51,918.72 (514,202.20) 51.0%.“ $0.00 $1,678.00 5 0.00 S 0.00 s 0.00 11/07/11 11/01111 12/01/11 Unapplied Payment 00739297 28959 (53.9fl1.22) $575,907.50 (516.1203!) 51 £06.04 50.00 51.57330 S 0.00 S 0.00 s 0.00 11/07/11 11/01/11 11/01/11 Regular Payment 00739297 25559 55,396.00 5316.44 557530750 $4.7 13.33 $365.73 ($16.1 20.92) $1 £06.04 50.00 51 578.00 s 3,951 .22 s O DO S 0.00 11/03/11 11/01/11 11/01/11 Unapplied Payment 00736909 26988 s1 £94.64 $576,223.94 (s1 5,485.55) S1 .006.“ 50.00 S1 578.00 s 3.581.22 s 0.00 s 0.00 1OI27I11 10127111 11/01/11 Insurance Premium Disbursemem 0 22936 ($450.30) 557632334 ($450.30) (516.456.65) 51.006.04 $0.00 $1.878 00 5 2,085.58 5 O 00 S 0.00 10120111 10/18/11 11/01/11 Unapplied Paymenl OC469-72 19339 51.498.64 557622334 ($16,036.35) $1,006.04 $0.00 51.578.00 S 2,036.55 S 0.00 S 0.00 10I20l11 10I1Bl11 10/01/11 Regular Paymenl QC469-72 19399 $5396.00 $464.82 5575.22334 $4565.45 $365.73 ($16,036.35) $1 £06.04 $0.00 51.675.0D s 537,94 s 0.00 s 0.00 1OIDSI11 10IDBI11 1OIO1I11 Lale Charge Assess 0 O [$251.51) $576,688.76 (516,402.05) S1 £05.04 $0.00 $1.576 DO S 557.94 S 0.00 S 0.00 09/26111 09/26/11 10101/11 Insurance Premium Dlsbursemenl D 2672 ($730.00) $576,683.76 ($730.00) (516,402.05) 5754.53 50.00 $1,578.00 s 587.94 s 0.00 S 0.00 09/23/11 09/22/11 1OIO1I11 Unapplied Payment QC493-94 1810 ($3.fl97.36) 5576.883.76 (515572.05) $754.53 50.00 $1,575.00 S 537.94 S 0.00 S 0.00 05/23/11 09/22/11 09/01111 Regular Payment 06493-94 181D $5,356.00 $310.10 $576,683.76 54.720.17 $355.73 ($15,672.08) 5754.53 50.00 S1 £76.00 5 4,485.30 s O_OD s 0.00 09/23/11 09122111 05/01/11 Regular Payment 00493-94 1810 $5,396.00 $307.58 5576159185 54.722.69 5365.73 (515.037.81) 5754.53 $0.00 $1,678.00 S 4.485.30 S 0.00 S 0.00 OBID7I11 09/06/11 09/01/11 Lala Charge Assess 0 D (5251.51) $577,306.44 ($16,403.54) $754.53 $0.00 51.675.00 s 4.485.30 S 0.00 S 0.00 OBI29711 OBI29I11 09/01/11 Insurance Premium Disbursement 0 20753 ($730.00) $577,306.44 (5730.00) (516,403.54) 5503.02 $0.00 51573.00 s 4,435.30 s o oo s o.cu 08/26/11 DEIZ4I11 03101111 Unappliau Paymenl 00558745 19511 ($396.00) $577,306.44 (515573.54) $503.02 $0.00 $1 .67B.DD s 4,485.30 S 0.DD s 0.00 08126!“ 08/24/11 07/01/11 Regular Payment 00556745 19511 55.396.0U $456.31 5577.306.“ 54.57195 $365.73 ($1 5573.54) 5503.02 50.0D 51 £78.00 $ 4,881.30 5 0.00 S 0.00 DBIZGIH 08/24/11 D7ID1I11 Unapplied Payment 00558707 13901 S1 £94.54 5577.762.75 (516339.27) $503.02 SDAUD 51 £78.00 s 4.80130 S 0.00 S 0.00 OGIDBI‘H 08/06/11 UEIO1I1‘I Late Charge Assess O 0 ($251.51) $577,762.75 (516.039.27) $503.02 50.00 S1 £78.00 5 2366.76 S 0.00 S 0.00 O7I29111 07/29/11 07/01/11 Property Inspech'an 159161 2703 (S1 1.50) 357716175 ($16,039.27) $251.51 51 1.50 51 573-00 S 2,9B6.76 S 0.00 S 0.00 07/27/11 07/27/11 08/01!“ Insurance Premium Dlsbursament O 30973 (5730‘00) $577,762.75 ($730.00) (516.0382?) $251.51 $0.00 $1,865.50 5 2.956.76 $ 0.00 S 0.00 D7IZSI1‘I 07/23/11 07/01/11 Unapplizd Payment QCMSISG 29424 81.49854 5577.78275 ($15,309.27) $251.51 $0.00 $1,655 50 s z‘aafijs s moo s opo 07/25111 07/23/11 06/01/11 Regular Pavmenl QCMSIQG 29424 $5,395.00 5301.38 557716215 54.728.89 $365.73 (315.3092?) $251.51 50.00 51.555.50 s 1.43522 S 0.00 S 0.00 07l25l11 07/25/11 06(01/11 Propedy Inspection 158027 29389 ($15.00) $578,064.13 (515,675.00) $251.51 515.00 $1,666 50 s 1.45322 s 0,00 s 0,00 07l06I11 07/06/11 07/01/11 Lale Charge Assess D O ($251.51) 5578.064.” ($15,675.00) 5251.51 $0.00 51,651.50 s 1'45322 s 0.00 s 0.00 06/27/11 06/27/11 [17/01/11 Insurance Premium Disbursement 1003118 13224 (5730.00) 8578,0644: [$730.00) (515,675.00) 50.00 50.00 51.65150 s 1,435.22 S 0.00 S 0.00 06l21l11 DSIZDI11 06/01/11 Late Charge Paymenl OC742/43 10300 51,509.06 5578.064.“ (514,945.00) $0.00 $0.00 51,651.50 S 1,488.22 5 0.00 5 0.00 06/21/11 08/20/11 UBID1/11 Unapplied Paymenl 0074243 10300 ($10.42) 5578,064413 (514345.00) $1 509.06 $0.00 51.551.50 S 1,488.22 S 0.00 S 0.00 06/21/11 06/20/11 05I01I11 Regular Payment 00742!“ 10300 $5395.00 $450.36 $578,064.13 $4,579.91 $365.73 (514345.00) $1,509.06 $0.00 51.551.50 S 1,498.64 S 0.00 S 0.00 06/07/11 06l03l11 05/01!“ Insurance Refund WIRE 2256 51.23630 $578.514.49 $1,238.00 (515310.73) $1,509.06 50.00 51.651.50 S 1,498.64 5 0.00 S 0.00 06/07/11 08106!” DSIO'HH Late Chalge Assess O 0 ($251.51) 5578.514.49 ($16,546.73) $1509.06 30,00 51,651.50 S 1.498.64 S 0.00 5 0.00 RMORELOSOO1056 Page 182 Loannamp: Bayview Loan Servicing, LLC 11/26/2019 4:02:06 PM Loan History Summary Page: 11 Tran: Effective Duo Trans Check Batch Tram Principal Interest Bum Lam Charge Carp Advances Unapplied Other Funds Lon Bran Dale Dita Dlle Desc L ‘ ‘ ‘ " ' ‘ ‘ -‘ " ' Edam Amount Balance Balance Ellance B-Innu Loan ID Bomor Name 0200064141 Reynaldo R. Morelos 06102111 05102111 05/01/11 Corp Adv Conversion 32408 (51.65150) ss7e.514.49 ($16,546.73) 51.25755 51,651.50 51,651.50 s 1.49854 s 0.00 s 0.00 05/02/11 06/02/11 05101111 Olher Funds Payment 32407 51.65150 557854.49 (516546.73) 51.257.55 $0.00 50.00 s ”98.64 s 0.00 s [mu 05/31/11 05mm 05/01/11 Insurance Premium Disbursement n 30236 (51,470.06) $578,514.49 151,470 06) (516,546.73) 31,257.55 50.00 50.00 s 1.495.64 (51.55150) s om 05127111 05/27/11 05/01/11 other Funds Disbursement PROPINSP 29069 ($11.50) 3578.54.49 (515,076 67) $1,257.55 $0.00 50.00 s 1.498.641 (51551.50) s 0.00 05128111 Dalzsm 05Io1/11 Olhzr Funds Disbursamam PROPmsp 27955 (511.50) 557151449 ($15,078.67) $1257.55 so an 50.00 s 1.49854 (51540.00) s 0.00 05/16/11 05/15/11 05119111 Insurance Premium Disbursement 0 2241B (5751.00) ss7e.s14.49 ($751.00) (515316.67) $1.257 55 50.00 $0.00 s 1,493.54 (31525.50) s 0.00 05112111 05(11/11 05lD1I11 Unapplied Payment QC174471 21463 $1.488 64 5578.514‘49 (314.3255?) $1,257.55 $0.00 $0.00 S 1,493.54 ($1,628.50) 5 0.00 05mm 05/11/11 04/01/11 RegularPaymenl 00174471 21463 35.396 an 5295.28 ss7a.514.49 54,734.93 5365.73 (514325.57) $1,257.55 mun $0.00 50.00 (51.528 5n) s 0.00 05/05/11 05105111 05101111 Late Charge Assess a o (5251.51) 5578.509 77 (514,591.40) 51,257.55 50 00 $0.00 s 0.00 (51.62350) s 0.00 04mm 04/14/11 o4l1sl11 Insurance Premium Disbursemem o 9401 (5751.00) $578,809.77 ($751.00) ($14,691.40) 51,006.04 50.00 $0.00 s n no ($1,623.50) s 0.00 041mm 04/05/11 04/01/11 Late Charge Assess 0 D (5251.51) $578,509.77 (513.940AU) 51,005.04 $0.00 50.00 s 0.00 (51,623.50) s 0.00 03/31/11 03/31/11 04/01/11 Olher Funds Disbursement Fcuun 2411 (5450.60) 357630917 ($13,540.40) 5754.53 50.00 50.00 s 0.00 (51.82350) s 0.00 03131111 03131111 04/01/11 Olhar Funds Disbursement TILzoo 2411 (5381,00) 5578,805‘77 (513340.40) 5754.53 moo so co s um (51,178.50) s o oo 03/31/11 03mm 041mm Olhar Funds Disbursement FCLzou 2411 (szasm) 5573.609J7 ($13,940.40) 5754.53 so‘ou 50.00 s 0.00 (5297.50) 5 0.00 03(31/11 03131111 03/01/11 Regular Payment with Adjust ADJ 1753 55.15167 $747.98 $578,809.77 54,282.25 $123.40 (511940.40) $754.53 $0.00 $0.00 s 0.00 ($11.50) s 0.00 03/31/11 03131111 03/01/11 Unapplisd Payment ADJ 1782 (55.15167) $579,557.75 (514,063.30) 5754.53 so‘nc 50.00 s o uo (511.50) s 0.1m 03/39/11 03/25I11 03/01/11 Unapplied Payment 00354-56 56 51.49854 $579,551.75 (314053.80) $754.53 $0.00 50.00 s 5.153.67 (511.50) s 0.00 03/30/11 03/25/11 021mm RegularPaymenl QC35¢56 as $5395.00 $286.82 $579,557.75 54,743.45 5365.73 (514,053.50) $754.53 $0.00 $0.00 s 3,655 03 ($11.50) s 0.00 03116111 oal1sl11 03/01/11 County Taxes u 24387 ($2,732.87) 557534457 32,1323?) (514,429.53) $754.53 50.00 mac s 3,555.03 (511.50) s 0.00 03114411 03/14/11 03/19/11 Insurance Premium Disbursement o 26924 (5751.00) 5579.54451 (5751.00) (511.696.66) 5754.53 $0.00 50.00 53,655.03 (511.50) s 0m 03/03/11 03106111 03101111 Late Charge Assess o o (5251.51) 557184457 (510545.66) $754 53 50.00 50.00 5 3,555.03 (511.50) s om 02123111 Dzlzzm 02101111 Unappliad Payment 06331-32 19374 51.498.54 $579,844.57 (510345.66) $503.02 $0.00 $0.00 5 3.555.113 (511,50) s om 02123111 112122111 01/01/11 Regular Payment 00331-32 19374 55396.00 5234.49 557954457 84.74513 $365.73 ($10,945.56) $503.02 50.00 50.00 5 2.156.49 ($11.50) s 0.00 02/15/11 0215/11 02119I11 Insurance Premium Disbursement o 14903 ($751.00) 5580.13.06 (5751.00) (511311.39) $503.02 $0.00 50.00 s 2.156.49 (511.50) s 0.00 oyuam 021mm 02101/11 Late Charge Assess o D (5251.51) $580,123.06 (510560.35) 5503.02 $0.00 $0.00 s 2,156.49 ($11.50) s 0.00 01131111 01129111 01/01/11 Unappliad Payment 06761162 9533 $1504.00 $550,129.05 (510560.39) 5251 51 SD 00 50.00 s 2,156.45 (511.50) s 0.00 mmm 01/29/11 12101110 Regular Paymem 00761I62 9833 55,396.00 5434.14 $580,129.06 54,596.13 $365.73 (510,560.39) 5251,51 $0.00 30.00 s 552 49 (511.50) s a_oa 01/14/11 01/14/11 01119111 Insurance Premium Disbursement o 2347 [$751.00) $580,563th ($751.00) (510326.12) 5251 51 50.00 $0.00 3 552.45 ($11.50) s 0.00 o1/06I11 01/05/11 01/01/11 Late Charge Assess o o ($251.51) 5581156120 (510,175.12) $251.51 50.00 50.00 s 652.49 (s11 50) s 0.00 12/17/10 12115I10 12/01/10 Lam Charge Payment ocusvsz 24531 5251.51 553056320 ($10,175.12) sn ou $0.00 $0.00 s 552 45 (511.50) s 0.00 12117110 12115110 12101110 Unapplied Payment 00061162 24631 $652.45 $580,563.20 (510175.12) 5251.51 $0.00 50.00 s 652.49 (511.50) s 0.00 12/17I10 12115110 11/O1I1D Regular Payment 00051162 24631 55.396.00 527856 558056320 54.75151 5365.73 (510.175 12) 5251.51 $0.00 $0.00 S ODD (511.50) 5 0.00 12/15/10 12/15/10 12/19/10 insumnce Premium Disbursement o 23799 ($751.00) $580,541.65 ($751.00) (510,540.85) 5251.51 $0.00 $0.00 s um (511.50) s 0.00 RMORELOSOO1 057 Page 183 Luannisup: Bayview Loan Servicing, LLC 11/26/201 9 4:02:05 PM Loan History Summary page x 12 Tran: Effectlve Due Trans Check Bllch Trans Principal Inlet“! Escrow LII: Chlrga Carp Advances Unappllld Othlr Fund: Lon Drih mt: Dale Dale Dust: Numhur Numhar Amount Amman! Bllinca Amount Amnunl Ballnce Balance Amount Balance Blllnnl Balance Blllnca Loan ID Borrower Numa 0200084141 Reynaldo R. Morales 12/07/10 1205/10 12/01/10 Late Charge Assess O 0 (5251.51) 558034136 (55,785.85) $251 51 $0.00 $0.00 S 0.00 ($11.50) S 0.00 11(23/10 11/23I1D 11l19l10 Insurance Premium Disbursement 0 17393 ($757.00) $580,541.86 ($757.00) ($9,739.85) 50.00 50.00 50 OD S 0.00 ($11.50) S 0.00 11/22/10 11/22110 11/01/10 Counly Taxes 0 13853 (52,732.87) $550,341.86 252,732.87) (59,032.85) 50.00 $0.00 50.00 5 D 00 ($11.50) S 0.00 11/19/10 11/19/10 11/01/10 Lale Chime Waive D 53.018.12 558034186 (56,299.93) 80.00 $0.00 SD DD S 0.00 (511.50) S 0.00 11l10l10 11/05/10 10/01/10 Regular Payment QCSSZ-N 1344!] 55.39690 5428.55 $550,841.86 $4,601.72 5365.73 ($6298.96) $3,018.12 $0.00 $0.00 5 0.00 (511.50) 5 0.00 11/08/10 11IOEI1U 11/01I1O Late Charge Assess D 0 ($251.51) $581,270.41 (56.655.71) $3,018.12 50.00 $0.00 s 0.00 ($11.50) 5 0.0!] 10/30/10 10l30/1D 10/01/10 Late Charge Assess D (51.766.61) $551,270‘41 {55.565 71) $2,766.61 50.00 $0.00 S 0.00 ($11.50) 5 0.00 10/29/10 10/28/10 10/01/10 UnappliEd Payment QCESS~16 10436 ($5,396.00) $581,270.41 (58.665.71) $1,000.00 50.00 50.00 S 0.00 ($11.50) S 0.00 10129/10 1DIZBI1O 09/01/10 Regular Payment 06999-16 10436 $5,395.00 $272 82 $531,270.41 $4,757.35 $365.73 ($6,665.71) 51.000.00 50.00 $0.00 s 5,396 00 (511.50) S 0.00 10/29/10 10/25/10 08/01/10 Regular Payment 0099948 10436 55,396.00 5270.71 553154338 54,759.56 5365.73 ($7,031.44) 51.001100 $0.00 $0.00 S 5,396.0D ($11.50) S 0.00 10/26/10 10/26/10 05/01/10 Lam Charge Waive o 51166.61 $581,814.04 (57,397.17) 51300.00 50.00 50.00 s 5.395 nu ($11.50) s 3.00 10/26/10 10/25I1D 03/01/10 Unappll'ed Payment 00723-24 8239 85.396.00 $581,814.04 (57.397417) $2,766.61 $0.00 $0.00 s 5,395.00 ($11.50) 5 O 00 10114I10 10/14/10 10/19/10 Insurance Premium Disbursament 0 4955 (S75E00) $581,814.04 ($755 00) (57,397.17) $2,766.51 50.00 50.00 5 0.00 (511.50) 5 0.00 10/06/10 10/06/10 10/01/10 Lale Charge Assess 0 0 ($251 S1) $581,814.04 (58.64117) 52,766 61 50.00 50-00 5 0.00 ($11.50) S 0 00 10/01/10 10/01/10 08/01/10 Escrow Only Payment ADJ 1753 5248.51 5581.814.“ 5243.51 (55.64117) $2,515.10 $0.00 $0.00 5 0.le ($11.50) 5 0.00 10/01/10 1OIO1I1D 03/01/10 Unapplied Payment ADJ 1752 ($243.51) $581,814.04 (55.89053) 52.515.10 $0.00 $0.00 5 0.00 (511.50) S 0.00 09/17/10 DBI‘IGHD 07/01/10 Regular Paymenl 0C392/93 29158 $5.396 00 5420.91 $581,814.04 54.60936 $365.73 (56,390.53) 52.515.10 $0.00 50.00 5 245.51 ($11.50) $ 0.00 D9114I10 05l14l10 09/19/10 Insurance Premium Disbursemenl 0 23356 (5755.00) $552,234.95 (5755.00) (57,256.41) 52,515.10 50.00 50 DD 5 245.51 ($11 SO) S 0.00 09/03/10 09/06/10 09/01/10 Lale Charge Assess D D (5251.51) $582,234.95 ($5,501.41) $2.515 10 $0.00 $0.00 S 24B 51 (511.50) S 0.00 OBI16I10 DBI16/10 07lo1l10 Phone Pay Fee WIU P8P 20982 S‘ODO $582,234.95 (55.501.41) $2,263.59 SDAOD SD 00 5 248.51 ($11.50) S 0.00 08/16/10 OBI1SI1U 06I01I1u Regular Payment WIU PBP 20882 55,396.00 $265.10 553213435 $4,765.17 5365.73 ($6,501.41) 52.263 59 50.00 50.00 S 248.51 (511 50] s 0.00 08/16l10 GBI16I1U 08/19/10 Insurance Framium Disbursemenl 0 20853 (5755.00) $582.SUD.05 ($755.00) (56.86114) 52.25159 $0 DU $0.00 5 248.51 ($11.50) S 0.00 03/06/10 08/05/10 08/01/10 Late Charge Assess O 0 ($251.51) 558250035 (56.112.14) $2,263.59 $0.00 $0.00 5 248.51 ($11.50) S 0.00 07/30/10 07/30/10 06/01/10 Late Charge Assess n ($2,012.03) $552,500.05 ($6,112.14) 52,012.03 $0.00 50.00 s 243,51 (511,59) s a_oo 07/29/10 07/29/10 06/01/10 Late Charge Waive 0 $2,012.03 $582.500.DS (56.1 12 14) $0.00 $0.00 50,00 5 248.51 (511.50) S 0.00 07/14/10 07/14/10 07/19/10 Insurance Premium Disbursement D 12098 ($755.00) $582,500.05 ($755.00) (56,112.14) 52.01233 50.00 $0.00 S 248.51 ($11.50) 5 0.00 07/13/10 07/12/10 05/01/10 Regular Payment 0065/67 11813 $5,396 00 5415,52 $532,500.05 54,614.75 5365.73 ($5,357.14) 52,012.05 $0 00 $0.00 S 248.51 ($11.50) S 0,00 07/06I10 O7IDGI1D 07/01I10 Late Charge Assess 0 D ($2515!) $582,915 57 (55.72237) $2,012.03 50.00 $0.00 S 24B 51 (511.50) S 0.00 DEI14I1U 05/14/10 06/19/10 Insurance Premium Disbursement 0 3153 ($755.00) 558231557 ($755.00) ($5,722.87) 51.760.57 $0.00 50.00 5 248.51 (511.50) S O_OD 06/02110 06/02/10 04/01/10 Regular Payment 00936-37 31067 55,396.00 5259.57 558231557 54,770.70 $365 73 (54,957.87) $1,750.57 $0.00 50‘00 S 243.51 (511.50) S 0.00 05/14/10 05/14/10 DSI19/‘ID Insurance Premium Disbursement D 25637 (5755.00) $583,175“ ($755.00) (55,333.60) 51.760.57 $0.00 $0.00 S 248,51 ($11.50) S 0.00 05’06/10 DSIUG/m 05/01/10 Lale Charge Assess O D ($251.51) $533,175.14 (54.578.50) $1,760.57 50.00 $0.00 S 245.51 (511.50) S 0.00 05/03/10 05/03/10 04/01/10 Other Funds Disbursement PROP|NSP 22099 ($11750) 3583.175.“ (54,578.60) $1,509.06 50.00 50.00 5 248 51 ($11.50) 5 0.0!) RMORELOSOO1058 Page 1 84 Loanhismpl 11/26/201 9 4:02:06 PM Bayview Loan Servicing, LLC Loan History Summary page s 1a Tran: Efiacliva Due Trans Chunk Batch Trans Principal Interest Bcrnw LII: Charge Corp Advance: Unlpplild Other Fund! Lou Drlfl Date Data Dale Desc Numbar Number Amount Amount Bllnncu Amount Amount Balance Ballnca Amount Balance Blllnca Bnlmce Balance Loan ID Borrower Name 0200084141 Reynaldo R. Morales 04/27/10 04/27/10 04/01/10 Unapplied Payment QC443I47 20171 ($3.00) 5583.175 14 (54,578.60) 51.509J15 50.00 50.00 S 248 51 S 0.00 S 0.00 04/27I1O 04/27/10 03/01/10 Regular Paymanl QC443I47 20171 55,396 00 $715.56 $553,175.14 $4,314.31 5355.73 (54,578.60) $1,509.06 50.00 50.00 5 251.51 S 0.00 5 0.00 04(14I10 04/14/10 04/1 9/10 Insurance Premium Disbursement U 151GB ($755.00) $583,591.10 ($755.00) ($4344.33) 51.509.06 50.00 50.00 s 251 ,51 S 0.00 5 0.00 04/06/10 04/06/10 04/01/10 Late Charge Assess U O (5251.51) 558339110 ($4,189 33) 51.509.06 50.00 $0.00 5 251.51 5 0.00 5 0.00 03/16/10 DSI1E/1O 03/01/10 Counly Taxes U 5950 (52.578.56) 5583.891 1D (51578.55) (54.18933) 51.257.55 50.00 $0.00 5 251,51 s 9.00 s a_un 03/16/10 03/1 5/10 02/01I10 Regular Payment 00093644 8129 $5,396.00 5251.66 $583,891.10 $4.778 61 5365,73 (51.61077) $1,257.55 $0.00 50.00 s 251‘51 s 0.00 s 0,00 03/15/10 03/15/10 03/19/10 lnsurance Premium Disbursement U 7542 ($755.00) $554,142.76 ($755.00) (51.97650) 51.257.55 50.00 50.00 5 251,51 5 0.00 5 0,00 03/05I10 DSIOG/‘ID 03/01/10 Lala Charge Assess 0 O (5251.51) $584,142.76 ($1,221.50) $1,257.55 $0.00 $0.00 5 251.51 S O 00 5 0.00 02/12/10 02/12/10 02/01/10 Phone Pay Fee W/U PBP 31616 $10.00 5584.142Jfi ($1221.50) 31.006.04 $0.00 $0.00 5 251.51 s 0.00 5 0.00 02/12/10 02/12/10 D1IO1I1O Regular Payment WIU PEP 31616 $5,396.00 $249.62 $584,142 76 54.78055 5365.73 ($1,221.50) $1,006.04 SD 00 $0.00 S 251.51 S 0.00 5 0.00 02111I10 02/11/10 11/19/09 Insurance Premium Disbursement 1001115 31101 (53,023.00) $584,392.38 $3928.00) ($1,587 23) 51,006.04 $0.00 50,00 s 251,51 S 0.00 S 0.00 02/05/10 02/06/10 02/01/10 Lale Charge Assess 0 O (5251.51) 5584.392.“ 51.440.77 51,006.04 $0.00 50.00 5 251.51 S 0.00 S 0.00 01l21l10 01/21/10 01/01/10 Phone Pay Fee WIU PEP 25244 $10 DD $584,392.38 51.440.77 5754.53 50.00 50.00 5 251 51 5 0.00 S 0.00 01/21/10 01/21/10 12/01/09 Regular Payment WIU PEP 25244 $5,396.00 5400 66 $584,392.38 54,623.61 $355.73 51.440.77 $754.53 50.00 $0.00 5 251.51 S 0.00 s 0.00 PAYMENT CHANGE NEW INT RATE: 9.5% NEW P&l: $5030.27 NEW ESC PMT: 8365.73 01/03/10 01/06110 01/01/10 Late Charge Assess O O ($251.51) $584,793.04 $1,075.04 $754.53 50 00 $0.00 5 251.51 5 0.00 S 0.00 12122109 12/21/09 1201/09 Late Charge Payment 1803457 17467 5251.51 $584,793.04 51.075114 $503.02 so 00 $0.00 s 251.51 s o on s 0.00 12/22109 12121109 11/01/08 Regular Payment 1503457 17467 $5,355.63 $244.34 $584,793.04 $4,735.93 $365.36 51.075.04 $754.53 $0.00 $0.00 s 251.51 S 0.00 5 0.00 12/05/09 12106I09 12/01/09 Lara Charge Assess 0 D (5261,51) 558533738 5709.68 5754.53 $0.00 50.00 5 251.51 S 0.00 5 0.00 11/15/09 11l15l09 11/01/09 County Taxes 0 7093 ($2,578.56) 5555.037 33 52,578.56) 5709.65 5503.02 $0.00 50.00 S 251,51 5 0.00 5 0.00 11IOBI09 11IUSI09 1DI01/09 Regular Payment 6C803398 6676 $5,395.83 $395.59 5585.037.“ $4,634.65 $385.35 $3,288.24 $503.02 50.00 50.00 S 251.51 S 0.00 S 0.00 11/05/08 11/06/09 11101109 Late Charge Assess D O ($251.51) $585,432,97 $2,922.88 $503.02 50.00 50.00 S 251.51 $ 0.00 5 0.00 10/31/09 10/08/09 10/01/09 Late Charge Assess 0 O (5251.51) $535,432.97 $2,922.88 5251 51 50.00 50.00 s 251.51 S O 00 S 0.00 10/21/09 10/21/09 09/01/09 Regular Payment ADJ 1431 55.395 63 5239 15 $585,432.97 54,791.12 $365.36 52,922.88 $0.00 $0.00 SO‘DD 5 251 51 S 0.00 S 0.00 10/21/09 10/21/09 09/01/09 Unapplied Payment ADJ 1431 (55,395.63) $585,372.12 $2,557.52 $0.00 SD‘OD 50.00 s 251,51 s 0.00 s a_oo 10(13/09 10/13/09 09/01/09 Unapplled Paymenl 1803341 31513 $5,647.14 5585‘67212 $2,557.52 50.00 $0.00 $0.00 S 5,647.14 S 0.00 S 0.00 09/15/09 09(15/09 09/01/09 Late Charge Payment 60803275 24755 $503.02 $555,672.12 $2,557.52 50.!)0 50.00 $0.00 s 0.00 5 0,00 5 0.00 09/15/09 05/15/09 09/01/09 Unapplied Faymanl CCBD327S 24755 (5251.51) $555,672.12 52.55752 $503.02 $0.00 $0.00 S 0.00 S 0.00 5 0.00 09/15/03 09/1 5/09 OBIO1IOQ Regular Payment CC803279 24755 55,395.53 $237.21 $585,672.12 54,798.06 $365.36 52,557.52 5503.02 50 00 50.00 S 251.51 5 0.00 S 0.00 PAYMENT CHANGE NEW INT RATE: 9.5% NEW P&l: $5030.27 NEW ESC PMT: $365.36 05/02/09 DSIOZIDB 08/01/09 Lale Charge Assess u (5503.02) $585,909.33 52.192.16 5503.02 30,00 50.00 S 251.51 S 0.00 5 0.00 09/02/09 08/02/09 10/01/08 Unapplied Adjusl 0 5251.51 $565,809.33 52.192.16 $0.00 $0.00 SD OD S 251.51 S 0.00 S 0.00 09102109 09/02/09 10/01/05 Escvow Adjustment O 52,192 16 $585,909.33 52,192.16 $2,132.16 SO 00 50.00 50.00 s 0.00 S 0.00 S 0.00 RMORELOSOO1 059 Page 185 Loanmmp: Bayview Loan Servicing, LLC 11/26/2019 4:02:06 PM Loan History Summary page: 14 Trans Efiecliva Duo Trans Check Batch Trans Prlncipll lnhrnt Escrow LII: Chlrgn Corp Advance: Unlppllad OIhIr Funds Lon Drafl Date D-te Date Disc Number Numblr Amount Amount Balance Amount Amount Bllnnce Bainnca Amount Balance Balance Balance Billnce Loan ID Borrower Name 0200064141 Reynaldo R. Morelos OSIOZIOS 09/0209 10I01Ioa PrincipalAdjuslmanl 0 (558530933) ($555,909.33) 558530333 $0.00 $0.00 $0.00 $0.00 $ 0.00 s 0.00 5 0.00 09/02/05 09/02/08 10101105 Service Release U 559264326 558921476 $0.00 .l.d33.5fll $0.00 $0.00 $0.00 $0.00 S 0.00 5 0.00 S 0.00 w Dalmloa 08104108 09/01/08 RegularPayment 1977 19095 $5,411.77 $208.46 $589214 76 $4321.51 $381.50 $3.433.50 $0.00 $0.00 $0.00 s 0.00 s 0.00 $ 0.00 a 07(07108 O7IO7IUB 05/01/08 Regular Payment D 12723 55.411.77 $206.77 $589,423.22 $4.823 50 $381 .50 $1052.00 SD DD $0.00 $0.00 s 0.00 $ O_oo 5 a_ou F OBIO4IDB 06/04/08 07/01/05 Regular Payment D 5572 55.411.77 $359.52 $589,629.99 $4,670.75 $381.50 $2,670.50 $0.00 $0.00 $0.00 $ 0.00 S 0.00 S 0.00 a 05/06/08 05/05/03 DBIO1IDB Regular Payment 0 32239 $5.411]? $202.17 $589,989.51 54.828.10 $351.50 $2239.00 $0.00 $0.00 50.00 5 0.00 5 0.00 $ 0.00 g OAIZQIDB 04/25/05 05/01le RegularPaymenl 30496 55.030.27 $355.11 $590,191.65 $4,675.16 31,907.50 $0.00 $0.00 $0 00 S 0.00 $ 0.00 $ 0.00 m 04/29/08 04/29/08 05/01/03 Inv Loan Purchase 30496 $030 $590,546.79 $1 $07.50 $0.00 $0.00 $0.00 s 0,00 s D Du s 0,00 04/29108 04/29IDB 05/01/08 Investor Loan Sale 30455 $0.00 $590,546.79 $1,907.50 $0 OD 50.00 $0.00 5 0.00 $ D OD $ 0 00 O4I29/08 04/29IDB 05/01/05 Regular Payment 30496 (55.03027) ($355.11) $590,545.79 [54,575,15) $1,907.50 $0.00 $0.00 $0.00 5 0.00 S 0.00 S 0‘00 04/07IOB O4I04IDB 05101108 Regular Paymenl O 26271 $5,411.77 $355.11 $590,191.53 $4675.16 $351.50 $1,907.50 $0.00 $0.00 $0.00 s 0.00 5 0.00 S 0.00 04(01/08 04ID1IDB 04/01/08 Regular Paymenl ACH 25552 $5,411.77 $197.65 559054619 $4.832.62 5381.50 51.525110 $0.00 $0.00 50.00 S 0.00 S 0.00 $0.00 Daloama 02l29l08 03/01I08 Regular Paymem 0 15980 55.411.77 $505.56 $590,744.44 $4524.71 5361 .50 $1,144.50 $0.00 $0.00 $0.00 s 0.00 5 0 00 S 0.00 PAYMENT CHANGE NEW [NT RATE: 9.5% NEW P&I: $5030.27 NEW ESC PMT: $381.50 OZIOBIDB 02105108 03/01/08 Interest Only Payment PREPDINT 15555 $3,744.48 “91250.00 53.744.45 $763.00 $0.00 $0.00 $0.00 5 0.00 S O OD s 0.00 02107108 0207/08 03/01108 New Loan O $0.00 5591250110 $763.00 $0.00 $0.00 50.00 S 0.00 $ 0.00 5 0.00 $555.402.66 $86,802.36 $463£52.97 ($1 .1 86.67) RMORELOSOO1 O60 Let 952:: Bmvtoan Semen LLC IBAYVIEW 4425 Ponce ce Lem am 5m Em ‘ ‘ -' - Cora! Games FL 13146 LOAN SERVICING November 27, 2019 Reynaldo R. Morelos 7896 Monterey Road Gilroy, CA 95020 Loan Number: 0200064141 Bayview Case Number: 0200064141-6 0200064141-7 Dear Mr. Morelos: This letter is in response to your verbal requests on October 14 and October 24, 2019, received in our office regarding the above-referenced loan account. You requested that Bayview Loan Servicing, LLC (”Bayview") provide you with a copy of the payment history on the loan account. Per yOur request, please see the enclosed Loan Payment History for your review. We have enclosed supporting documentation used to complete our review of the account. You are entitled to request additional documentation regarding your inquiry. If you wish to do so, you may visit our website at www.bavviewloansewicin&com and submit a request to our Customer Support Department using our online form. Alternatively, you may submit a request by regular mail to: Bayview Loan Servicing, LLC is a debt collector. This letter is an attempt to collect a debt and any information obtained will be used for that purpose. To the extent that your obligation has been discharged or is subject to an automatic stay of bankruptcy this notice is for compliance and informational purposes only and does not constitute a demand for payment or any attempt to collect such obiigation. Confirmed Sll Disclaimer: lfyou are a confirmed Successor in Interest to the mortgaged property, unless you assume the mortgage loan oingation, under state law you are not personally liable for the mortgage debt and cannot be required to use your own assets to pay the mortgage debt. The following mailing address must be used for all Error Notices & Information Requests: Bayview Loan Servicing, LLC, Customer Support, 4425 Ponce de Leon Boulevard, 5‘" Floor, Coral Gables, FL 33146 Page 1 of 2 RMORELOSOO106‘I Rev. 11/15/2019 O 12 13 15 l6 l9 20 2| 22 23 24 25 26 28 PROOF 0F SERVICE (1013a) (2015.5 CCP) STATE OF CALIFORNIA ) MariaM Morelos, Executor 0fthe Estate ofRz'cardo ) Morelos v. Reynaldo Morelos and Does 1-20, inclusive ) COUNTY OF SANTA CLARA ) Case No.: 19CV358532 I, the below signed, declare that I am at least 18 years of age and not a party to the above- entitled action. My business address is 625 N. First Street, San Jose, California; I am employed in Santa Clara County, California. On the date upon which this proof of service is executed, I served copies of the: DECLARATION 0F RYAN RAMSEYER IN SUPPORT 0F OPPOSITION T0 MOTION FOR SUMWYJUDGMENT/SUMMRYADJUDICATION by placing said copies in an envelope addressed to: Randy Sullivan, Esq. Patton Sullivan Brodehl LLP 12646 Alcosta Boulevard, Suite 430 San Ramon, CA 94583 rsullivan@nsblegal.com (X) BY MAIL: I placed true and correct copies in a sealed envelope(s), with postage thereon fully prepaid, for collection and mailing on the date upon which this proof of service is executed, at San Jose, California. (X) BY ELECTRONIC MAIL: On the date upon which this proof of service is executed below, I caused true and correct copies to be electronically mailed to the email address indicated after the addresses noted above. I declare under penalty of perjury under the laws of the State of California that the foregoing is true and correct. Executed on September 2, 2021 at San Jose, California. yfi/ RYAN RAWER