Potter et al v. BAC Home Loans Servicing, LP

MOTION for Summary Judgment

D. Nev.February 1, 2011

' .. 'f . I . 4 ' ( t '.)'. 't.j !j . 7 l '.T . .F ' James L. Pottel ang charlene E. Potter 5.721 vropic sost st. :,1 22,12 irsît .,-f 14 . . ,)ï yj'k .', t2 L ve as Nevada 89130 *'*' '-îaS # , Telgphonr (702 ) 633-7092 . .- ' ,13 Plalntiffs In Proper Person ' ' ' ' ' 1 ' Q ' ' ' ' ' . , ; u ' . ï?r 5 1 r UNITED STATES D ISTRICT COURT 6 District of Nevada 1 AM ES L. POTTER and ) J9 H ARLENE E. POTTER ) Case No. : 2:1 0-cv-02095-GMN-LRL )9 PLAINTIFFS ) )10 vs. ) MOTION FOR SUMMARY JUDGMENT )11 ANK OF AM ERICA, N.A. and ) )12 ANK OF AM ERICA HOME LOANS and )l )13 AC HOME LO ANS SERVICING LP and ) )14 -RS - Mortgage Electronic Registration ) )15 ew ices 16 DEFENDANTS i 7 18 19 James L. Potter and Charlene E. Potter, Plaintiffs, in proper person, submit their M otion 20 for Sum mary Judgment. 2 1 Plaintiffs ask this Honorable Ccmrt to take judicial notice of the fact that we appear 22 without counsel, are not schooled in the Iaw and Iegal procedures , and are not licensed to 2 3 practice law. Therefore our pleadings must be read and construed liberally . Further Plaintiffs 2 4 believe that this Court has a responsibility and legal duty to proted any and a11 of the Plaintiffk' 25 Constitutional and statutory rightso' specifically by the due process clause of the Fiûh and 2 6 Fourteenth Amendment thereto- which invokes the due process clauses of the Seventh , Filh and 27 Fourteenth Amendments to said Constitution upon the States and guarantees to a1l private 28 citizens the freedom of private property and the separate and , distinct common law jurisdiction l Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 1 of 42 1 of this Court, in accord with the rules of common Iaw related to tiduciary duties. 2 Plaintiffs believe that the principle of equitable tolling does apply to aI1 claim s in this 3 action, given Defendants violations of Constitutional 1aw and federal and state statues and codes, 4 at a1I times relevant hereto , as detailed below, Plaintifrs could not have reasonably discovered th 5 concealed facts of violations in-depth and explicitly, until we were faced with Defendants 6 attempt to enforce an illegal attempt t() colled and possible sale and dispossession of the 7 Property. In this event we researched aII matters conoerning the Iegality of the collection and 8 possible foreclosure, as well as the media coverage of government entities, and homem vners 9 accusations of fraud in the enforcemem of millions of foreclosures, leading us to study aII of the 10 documents and events relating to the purchase of the propelty. 11 The equitable tolling principles are to be reead into every federal statute of limitations, 12 unless Congress expressly provides to the contrar .y in clear and ambiguous Ianguage. (See i Rotella v . Wood, 528 175.549.560-61, l20 S. Ct. 1075,145L. Ed 2d 1047 (2000)). Since thelaI ! 14 l Federal statutes and codes Plaintiffs accuse Defendants of violating in the Amended Complaint I15 do not evidence contrary Congressional intents , al1 statute of limitations must be read to be l 6 subject to equitable tolling, particularly since the act is to be construed liberally in favor of 17 consum ers. 18 The issue of 'Standing' is a basic issue of Constitutional Law either at the Federal levell 19 1 or at the state distric't court level. That is to say, if you are not the person directly injured orf r20 directly benefiting from a specitic law or circumstancea you cannot go to court and tr.y to enforce1 21 any rights that do not belong to you. 22 The United States Supreme Court in several cases has stated that federal courts must 23 I satisfy for themselves that 'Standing' exists and that 'the Plaintifrs have alleged such a personal l 2 4 ! stake in the outcome ofthe controversy as to warrant his invocation of federal-court jurisdiction.l 25 i 'W arth V . Seldina 422 U.S. 490.498-99 (1975). Thus, if there is no direct injury or direct harm to 2 6 I the party that wishes to pursue a claim in court. then no right to 'Standing' or right to be in court 27 I exists in the iirst place. 2 t, 2 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 2 of 42 l M EMORANDUM OF POINTS ANfl AIJTHORITIES FACTS 2 m ax oolgcrloN 3 Plaintifrs are not in default nor have breached their promise to repay the money they 4 borrowed on the Ioana yet Defendants continue to make statements and allegations that the 5 Plaintiffs are seeking through litigation to avoid their payment obligations. ln the M otion Iiled 6 with the Court it is evident that the Defendants cannot show ownership of the alleged Mortgage 7 Loan and do not know the true s'tatus of the stated loan within their institution. Defendants 8 and/or Legal Counsel state that the Plaintiffs' are in default and have breached their promise to 9 repay the money they borrowed. As of this date, Januar . y 2l, 20l 1 the Plaintiffs' have evidence 10 that they have never been in the rears in their payments and are current. The Defendants in their 11 motion to dismiss amended complaint made a malicious statement pertaining to the Defendants 12 being in default and published this false statement in a Iegal document which was submitted to 13 the courts as a matter of public record. One of the Plaintiffs' are in the prooess of seeking 14 employment and his tield requires an in-depth background check by a potential employer where 15 financial information is scrutinized and will Ie'ad to non-selection. The Defendants in fact have l 6 no evidence of such claim and could be held liable to the Plaintiffs' for potentially causing 17 irreversible harm or injury to the Plaintifl-s'. 18 The Amended Complaint at page 1, Iine 28, page 2 lines 6- 10 clearly states the reasons 19 for the action taken against Defendants lthis action seeks to prevent the collection of an 2 O improper debt' and 'to prevent double paying this bank on the debt and/or pay the wrong party 21 and/or prevent the Possible wrongful taking of the family home by a bank no Ionger having a 22 right to foreclose or collect on it.' Through Defendants pleadings tiled with the Court (t is 2 3 evident that the Defendants cannot show ownership of the alleged M ortgage which is the 2 4 paramount fundam ental issue in this case. Instead thcy refer to the Evidence listed in the 25 Am ended Complaint beginning on page 7 Iine 26 and argue the validity of these docurnents. 2 6 This Evidence is what supports the opening statements made in the Amended Complaint. 27 Further through statements made in a1l of tbeir pleadings, it should be evident that Defendants 28 through their legal counsel are confused about which Plaintifrs and mortgage loan they are defending against. because Plaintiffs are not in default nor have breached their promise to repay 3 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 3 of 42 l the money they borrowed . Based on these factsa their Opposition is not valid and should be 2 denied. 3 Defendants have chosen not to defend the paramount fundamental issue in this case . 4 Their pleadings thus far supports our contention that there exits an undisputed fact that Bank of 5 America and its subsidiary companies do not own the mortgage Ioan in question . They have 6 produced no evidence as to their clainl to have any interest in the indebtedness of Plaintiffs and J any claim to the property under the rights conferred under the Subject Deed of Tlust or 8 otherwise. Defendants are unable to prove their claims of ownership of the mortgage in question 9 as they have failed to hold and possess the original Deed of Trust Mortgage , original note, and 10 other pertinent documents. Again, the paramount fundamental issue in this case is Defbndants 11 Iack of standing - holder in due course. 12 BACKGROUND FACTS 13 Plaintiffs never denged that they entered into a mortgage loan with Prado M ortgage on 14 l August 1, 2005 in the amount of $425,000.00 ('the loan') which was secured by the propel'tyl 15 located at 5721 Tropic Mist St., Las Vegas, NV 891 30. The Ioan was immediately sold to 16 Countrm ide who was tben acquired by Bank of America . Bank of Am erica Home Loans 17 notitied Plaintiffs of this acquisition. 'rhe account number established by Countrywide remained 19 the same and payments by Plaintiffs were made to BAC on or before their due dates (see Exhibit 19 A). As previously stated, Plaintifrs have not stopped making payments and are not in default or 2 0 breach of contract. But it was determined by audit and legal attempt to satisfy the Ioan with a 2 1 pay-off determined that Defendants have no evidence of ownership of the mortgage loan in 22 question. This is the paramount fundamental issue of this lawsuit . 23 Tl.IE EVIDENCE 2 4 The audit referred to was attempted through a formal Qualified W ritten Request in 25 compliance with and under the Real Estate Settlem ent Procedures Aot . I 2 U .S.C. Section 2 6 26O5(e). Defendants failed to fully respond and were noticed of the same on or about June 6 , 27 2010. See attached Exhibit B. 28 On June 3O, 2010, in response to a verbal request made by Plaintiffs for a pay-ofrorl the subject mortgage loan, Defendants delivered to Plaintiffs via US Mail a Payoff Demand 4 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 4 of 42 1 Statement . See attache,d Exhibit C. 'I'his statement set forth the terms , conditions and 2 instructions to pay-ofrthe subject loan. ln resm nse , Plaintiffs sent correspondence via certitied 3 m ail to Defendants Bank of America and BAC Home Loans Servicing LP conditionally 4 accepting Defendants payofl-demand . See attached Exhibit D. Plaintiffs provided their terms, 5 conditions and instrudions. Further, the correspondence s'tates 'l will accept your oflkr and 6 tender full payment to be held in escrow by a third part .y Notary Public'. On or about July 12, 7 2010 and again on July 18 , 2010, the third party sent correspondence noticing Bank of Americap 8 and BAC Home Loans Servicing LP of funds being available until July 22 & 2010. See attached 9 Exhibit E. On or about August 4, 2010, an Aflidavit - Commercial Oath and Verif cation and IQ Final Notice of Default was sent via certified mail to Bank of America Home Loans and BAC 11 Home Loans Servicing LP, outlining the events involving Plaintiffs response to Defendants 12 PayofrDemand Statement. See ahacbed Exbibit F. 13 Then on or about August l6, 201 0a Plainti/s delivered via certified mail a Notice ot- 14 Itight to Cancel - TILA to Defendants and other related parties - See Exhibit G . 15 Responses received to this series of documents were done by BAC Home Loans $ 6 Servicing wherein they provided numerous unauthenticated copies of the note and Deed of Trust . 17 Further, BAC Home Loans Servicing repeeatedly stated that the Ioan would remain in full force 18 and eflkct and that BAC would continue to be the servicer of the loan . It is importart to note that 19 none of the letters were signed and thereforc inadmissible into evidence . Bank of America and 20 M ERS remained silent and did not respond. 2 1 Defendants claim thesc documents were fraudulent and without any Iegal validity . Yet, 22 Defendants produoed a Demand Payofr Statement to an inquiry about what is owed on the 2 3 M ortgage 1.,0r . They outlined terms, conditions and instructions but yet deny the right of the 2 4 borrower to establish their own terms and conditions in response to this Demand . M ore so they 25 allege that our tender of payment was insuëcient and nonexistent. They did not inquire about 2 6 the funds being held so how can they establish that the tender of payment was insum cient and 27 nonexistent? Defendants have no basis or proof of this statement yet state in their Opposition to 28 Defendants M otion to Dismiss Amended Complaint that Plaintiffs failed to include any relevant s Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 5 of 42 1 facts or supporting evidence and only rely on conclusory allegations ''regurgitated' from their 2 previously tiled pleadings, Defendants silence to the documents sent by Plaintiffs is evidence 3 that they are unable to prove their standing , have no evidence of ownership of the mortgape loan 4 in question . and are not Holders in Due Course. They are unable to produce the original 5 doouments to prove their claims. Tbis is the paramount fundamental issue in this lawsuit and the 6 basis for the M otion for Summary Judgment. 7 I-EGAL ARGUM ENT 8 The suit filed with this Court is because Defendants cannot show ownership of the 9 alleged Mortgage Loan. A Summar .y judgment in this case is appropriate because Defendants' 10 through alI of their responses prior to the Gling of the lawsuit and subsequently tbroughout tbeir 11 responses and M otions to Dismiss have not provided any evidence supporting their claim to the 12 M ortgage Loan in question. Defendants have not and cannot prove they are the owners and 13 holders in due course of the M ortgage in question which is the paramount fundamental issue in 14 this case. Defendants are not in standing with this Court. This material fact supports the legal 15 l argumtnt for Plaintiffs' M otion for Summal'y Judgment .1 16 Fads in Support of Summ ary Judgment 17 Plaintiffk' Amended Complaint clearly states the reqsons for the action taken against 18 Defendants 'this action seeks to prevent the collection of an improper debt' and 'to prevent 19 double paying this bank on the debt and/or pay the wrong party and/or prevent the possible 2 0 wrongm l taking of the family home by a bank no longer having a right to foreclose or collest on 21 it. ' The evidence contained herein in response to Defendants Opposition to M otion to Dislniss 22 Amended Complaint shows that numerous attempts were made to determine the owner and 23 holder in due course of the M ortgage in question. Defendants have not proven their claim and 2 4 continue to ignore and remain silent on this paramount fundam ental issue . This issue is being 25 heard in numerous cases throughout the United States and is evolving daily. Defendants are now 2 6 being sued by the States of Nevadas Arizona as well as countless suits being filed in practically 27 every state in the nation for their Iack of standing, holder in due coursea fraud, mishandling of 28 loan documents through their subsidiar .y companies as well as through M ERS. To this extem , 6 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 6 of 42 1 the Attorney General , State of Nevada, said on ABC news that due to Bank of America's 2 arroganc,e and unwillingness to cooperate that the State of Nevada had no alternative but to Gle 3 suit against Bank of America for their wrong doings in handling mortgage Ioans in this State . Yd 4 Defendants continue to site case law in their Pleadings and M otions that are outdated and if 5 appealed would be overturned in light of current day Iaw being established. 6 ln response to Defendants regurgitation of their pending M otion to Dismiss , Plaintiffs 7 respond: : seouritization 9 In response to Defendants continued argument about securitization of the loan , Plaintiffs 10 can prove beyond any doubt that the securitization process is one of the reasons that Defendants 11 cannot prove their claim , cannot prove they are Holders in Due Course, and therefore are not in 12 standing with this Court. See Amended Complaint page 7. line 5-25. 1 13 Frau .d 14 Although Defense daims there is no fraud because of oonduct when in fact -frtzl/J i't //le 15 'factum is evident when the paramount issue of this case is Holder in Due Course. 16 Defendants Need Not Produce the OriRinal Note 17 Very recent Supreme Court decisions from M assachusetts on Janual'y 7 , 201 l and 18 Supreme Court of Kansas has substantiated the fact that Lertders must have the original 19 documents to show ownership of the M ortgage L()u . 20 To show standing with the Court Defendants m ust have acvess to the original Deed of 2 l Trust, the Mortgage Note and supporting ofiginal documents. These Landmark cases havc 22 proven that mortgage banks must prove om zership with original documents instead of mere 23 copies. ln the case of Mortgage Electronic Registration Systems , lnc. v. Chong, Case N o. 2:09- 2 4 CV-0661 -KJD-LRL (2009), the United States District Court, District of Nevada stated that 25 'MERS did not establish it was a real party in interest. M ERS was unable to prove it had 2 6 possession of the note or at least provide evidence that it was a representative of the mortgage 27 loan holder, which it failed to do.'' Additionally, in a Landmark decision in the Kansas Supreme 28 Court. National Bank v. Kesler, 2S9 Kan. 528,216 P.3d l 58(2009). ttlkan. Stat. Arm. j 60-2604th) 7 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 7 of 42 l allows relief from a judgment based on mistake. inadvertence, sum rise, or excusable neglecta' 2 ncwly discovered evidence that could not have been timely discovered with due diligence , ' fraud 3 or misrepresentation' , a void judgments' ajudgment that has been satisfied. released. discharged, 4 or is no longer equitable a' or any other reasonjustifying relief from the operation of thejudgment, 5 The relationship that the registry had to the bank was more akin to that of a straw man than to a 6 party possessing al1 the rights given a buyer .'' Also in September of 2008. a California Judge 7 l'uling against M ERS concluded , tç-rhere is no evidence before the court as to who is the present 8 owner of the Note. The holder of the Note must join in the motion.*' Wels Fargo v. Reyes, 867 9 N .Y.S.ZI 21 (2008). Case dismissed with prejudice, fraud on the Court and Sanctions because 10 W ells Fargo never owned the M ortgage. In laasalle Bank v. Ahearn. 875 N.Y.S. 2d 595 (2009), l 1 ! the case was dismissed with prejudice - lack of standing. ln another case, Novastar M ortgage, i .f12 ! Inc. v. Snyder 3:07CV480 (2008), it was ruled that Novastar has the burden of establishing its I 13 standing. lt has failed to do so.'' 14 In a current case in the Eighth Judicial Court , State of Nevada, Ostorga vs. JP M organ 15 Chase Bank Cmse No. A-10-628624-(2, it is Plaintiffs contention that the Defendant in this case 16 whhout the ability to show standing witil the Court has chosen not to answer the Summons and 17 loose this case by Default therefore showing that without standing the bank in these types of 18 cases have no defense when Holder in Due Course is the paramount issue . 19 CONCLUSION 20 Defendants in this case cannot show and have not shown that they have standing and 2 1 therefore have no legal right to continue in Court as a point of law . Defendants futile attempts in 22 Opposing this suit is a waste of Defendants sustenance that we the tax payers of Am erica have 23 provided to Bank of America. Defendants do not have standing and therefore this case should be 24 judged for Plaintifrs. 25 W HEREFORE, PlaintiFs we move that tbe Court grant this Order herein: 2 6 l . Enjoining further dispositions of the subject realty pending resolution hereof 27 2. Declaring that Defendants Iack any interest in the subject property which lnight 28 permit them to foreclose, or attempt to foreclose, the Tfust Deed and/or to sel the subject 8 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 8 of 42 1 rtprope y . 2 3 . Terminating a1l present colection adivities upon any seculity in the subject 3 property and enjoining any further such collection adions not originated by the owners of the 4 debt. 5 4 . Declaring that the Trust Deed is not a lien against the subject property, ordering 6 the immediate relemse of the Trust Deed of record , and quieting title to the subject property in 7 Plaintiffs and against Defendants and alI claiming by , through, or under them , ' 8 5. Refunding Plaintifrs from Defendants , jointly and severally, all fees and charges, 9 principal and interest paid under the Trust Deed a and awarding PlaintiFs its cost of the action, lD including reasonable atlorney's feesa' and l 1 6. For such other and further relief as the Court decms just in the premises. 12 Therefore and a1l relief given and witb tbese undeniable facts the Court must grant the Summm'y 13 Judgment for Plaintiffs. 14 15 Dated this day of Februaly 20 l l . 16 J>R& mes L. Potter17 Plaintiff 18 ln.P per Person ? . 19 gy Charlene E. Potter20 Plaintiff 2 1 ln Proper Person 2 2 2 3 2 4 2 5 2 6 2 7 2 8 9 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 9 of 42 1 2 EXHIBIT A3 4 5 6 7 8 9 1 0 11 12 13 14 15 16 17 18 l 9 2 O 2 l 2 2 2 3 2 4 2 5 2 6 2 7 2 8 10 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 10 of 42 l 3 f' 4 . . Acc@upt Nulnber 10 3 jtatejment date proper!y adthess s?21 Traplc M.t street HO M E LO AN S ..w.. James t & Charlene E Potter E s c 1 () w A c c () tl N T R E v I E w E S () 1 () W Part of yeur monlhly Ican payment goes into an accourltîn pay for yotlr property taxes and Insurance premlums. During the year. payments are E X P L A I N E 1 made ()ul ()f thls accountwhen blls came due This notlce desce es any cbanges needed m ymlr monthly paymerd lo mamtam enough mnney In ynuf escraw accounlto pay tbese biBs. ln our slep-by-slep analysis we determlne tbe dala shown below lo calculale your new ascrow payment. See below /or.' * an ln-depth explanatlon (d eacb step of your escrow ana#sis * slde-by-slde comparlstm (/ last year's propcted aatl actual data S U M M A R Y Base amounl needed (see Step ?/ Ihe expected monlhly amount needed lo pay your properly taxes and msurance pfemlums $546.47 Shortage payment (see Step a?/ T*e - tltkly a wwt y@I, mek't pe iœ y'oxe es-c-w KclMnt ltl keeptlle balaoce frowl fallipg belew zmre duripg > year S().00 Beserve requlrement (see Step 31 The monthly arlounl aqowed byfederal 1aw for unexpected 1ax and lnsurancp Increases and olher cosls $*8.12 W w - - lêly' escrew p- et (see .$*!ep 4) $:r.4.%9 New montlly leœe loal pemewt efe ee 1>m (see Slep 4/ Q.*1.O H 0 W W E C A L C U t A T E Y 0 U R E S C 1 () W P A Y M E N T STEP 1 BetermiRe base e- ount neeëed I@r lbe yeae Escïowqems Amount needed Freqpeprylrp months Mtml/?j/ amoun/needed Homeowners lnstlrance !71*.94 12 $59.75 Monthly PMI 247.33 1 24?.33 County tages 703.50 12 58.63 Cotlntytaxes 803.21 12 65.93 County laxes 683.00 12 56.92 Counly taxes 683.00 12 56.92 Tetal maptl'N base I- pl --uwl $$* q1 STEP 2 Determlpe loweM projetted balance ln lha chart Iacaled below we proiectthe amounls you w1lI pay mto your escrow accounl nexl year and the amounls we wil pay out for your Insurance and tax blls. RemembeT lhese hgures a:e only propctlons and may not reflecî the actual payments madth at the tlme they ara due. Escl'ow Tax Jrlsvrance VIPIPMI . .. . (&vh'blv% tfeptzxzfta/ . payrlerlrtà./ - . pavmenzil - pavmentlil- ' ' gyfance Beginwing balaRce M.KW.IPJ Seplembef 2*8 247.33 1 58?.72 0 clobe r 2(K)8 :47.33 1 310 39 November 2808 247.33 1 ,093.06 December 2*8 7:16.47 683.* 24?.33 7:9.20 January 21109 546.47 247.33 1 008.34 Feb rual'y 2028 546.17 683.* 247.33 521.48 March 2009 546.47 247.33 023.62 Aprll 2029 546.47 ? 16.94 247.33 505.82 Mav 2000 546.47 247.13 8:1.96 Jane 2029 546.47 247.33 1 101. 10 July 2 0o9 b 46.17 /0 3.50 247.33 69 9 7 4 Augusl 2009 546.47 247.33 998 88 Septembef 2009 516.47 803 21 217.33 494 8 1 * october 2009 546.47 247.13 703.95 November 2009 546.47 247.33 I 023 08 Enuiqg balance $1 *3 (e towast pojecle: balance *- ll Shelage payment amount p.œ * Lowest projected balanca (LPB) Your Lowesl Prolected Balance (LPB) reflects a balance above zero In the next slep we wI1 compare thls amounl to yeur . 9SCf DW FeSQrVQ reqtllf emeflt 10 determme ff there 1s an Ovefage. STEP 3 Beterfnine resewe requifemenl Federal 1aw alows for 1he coleclon of a reserve amounl to mamtam a cushlon for unexpected tax and/or Insurance tncreases and olber costs. The reserve used for thls perlod is shown belnw Lowesl projecled balance lJee step 2 aD/ye) M:I 81 Total reserve requlremenl 416.6% of lhe base amount) * 595 KI Addltlonal amounts requlrëd 10 l .L?1 Mozlthly reserve requiremepl 510147 G iied W 12) > œ Available overage p .tm * Base amotlnt equals the lolal (d payments antlclpated to be pald out of the escraw accoqnt durlng the year bul excludes PMI/MIP amounls = Cxxrp vlde Hnme Lpaas, lnc an0 Cpurqryxde B> , FSB. m-bef POIC, are E(> Hlwmg Lenders * AKK cmo e Fsnarwial Cerp Trade/seçwcemarks are the Igopenv qf Cxrtrywlde Finanaal:1111:1 C orporatlon a nd/or œs sebspdlafdes. /tII rl:hts reserd ed. Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/1 Page 11 of 42 j 4 of 4 STEP 4 getermine monthly paymenfs Calcelatitm of mtmtlxly esceow papnent Base arqouot qeeded f()r taxes and/ckr msuçanue fsee Step ?/ 5516.4-/ Shorlage paymen! (see Srtlp 2) ()6 R e s e rve re q u lrement (see .$'!e/1 3) 8 12 n lal-lm nthly escmw pa- ept $554.19 Calculalion of rnentlply lleple Ioap paymepl Prlnclpal and/or Irlteresl S1.91F 91 l'olai monthiy escrow paymtn! 5b4 1443 Total moalhly llome Ioaa pavmeat effeclive .1.7/1>* $2 *1.0 1. A S T Y F A R Current analysis campaled to previous Monthly am/tf/?fl N R E V I E W Amount needed for laxf?s and tnsurance L a.çl analyss Fl.'; anaksls Flomeowners lpsurance 559.75 559.75 Monthly PM1 247.33 247 33 County taxes 58 63 58 63 County laxes 56.92 66.83 County taxes 56.92 56.92 Counly taxe s 56.92 56 612 Tolal basa escrow paym ent 5 36.45 - -5546.47 Sh ortaqe paymenl 00 .00 Beselve reqblremerlt 0() 8 .12 Floundlnj amounl 00 .24) Monthly esceew paymeo! $5:* .45 $554.0 Pripclpal an d/oc Interesl $1,946 9 1 $'I 946.9 1 Monthly escfow paymen! 536.45 554.89 Total payment R oun! Q .œ % $2,* 1.8: . Summary of escrow cbapge As shown yotlr base esc row amclunl Irlcreasell. Your reserve percenlage remalned tlnchanged. Your f eserve payment I rlcreased. The ras uI1 of lhese Issu :s (; aused your lotal escrow payme rlt lo lncrease. A slde .llh/vslde compaf Ist)n of Iasl ye ar's pf cjacled escrow account actlvlty and aclual actlvly can l)e found bplow Les! T'e i! r'E esc reMl p ayments Pïojected Aclca/ Date AcfJF#y' Paîd in rt,/l oul Balance Date z4cl+/ry #b?#?n Patd J/l' Balonce Begippipj balapce Q 17935 BegiflniRg hslanre $1 2124 07127702 Monthly ?Mt 247.2,3 1 ,932 ()2 29432.2028 Sep Payment 536 $61 1 ,832 59(38,112./21202 Monthly PMi M? 33 1.584 69 09/12/7023 PMI paymerit 247 33 1,565.26(J9m 1 12228 Sep Payment 53b 45 2,221 74 09./3022208 Eotlnty tax pmt 803 ;!1 752 15* :19/02./2223 Mflnthry PMI 247 :.k3 1 ,973 81 1()/t13/2208 oct Payment 536 45 1 ,.7.t)8 i0(J8*2/2121)3 C ounty taxes 68300 1 ,292 81 Efluitlg balpflce $12%.* 1 0/t11 /2%8 0 ct Payment 536.45 1,.:27 :% 10./:2J21:1(18 MonthEy PMI 247 33 1,579.53 1 1 ;Q 1/2(1()2 N()v Payment 536 45 2.1 1i 38 1 1 42/008 Mnnthly PM ! r47 :1: 1 .8159 (15 1 2.*1/2008 0ec Payment 536 45 2.4.05 b(1 12,/0.240;8 Monthly PM r 247 :13 2 158 17 l . . 1 242/2(128 County taxe: *8.3 (1(i l ,47E17 ()1 .111J2()()6) Jap Fayment 5:$i$ 15 2,(1! 1 f 2 (11*2/2:129 Mcnthty FM p 247 33 1 .?64 29 22m 1./2(10q Feb Payment 535 45 2,322 ,% (12/02./27:5 Monthly PMI 247 33 2,05: 41 ()2.C12/20(19 l'Jounty taxes 583 00 1.,370 1 1 03/'0 1.Q008 Mar Payment 53: 45 1 .985 1$6 ZXJOZNCI)S Morithiy PMl 247.33 1 ,658 53 2?F/i)1 ,r:!s')3 Apr P ayrn ent .53.15 :5 27 85 93 (34/02.J2:E)8 ki ofneowners insurance ? 1 5 94 1 470 24 04/02.Q:00 b1 onthly P N!1 217 77 1 237 71* 25/01 ./2t1% May Fayment 536 45 1 ,7S8 111 t)5/i)2N5()0 Monthly PM1 247 3:3 1 .520 33 26/01 .'Q:û8 Jun Payment 576 45 2,057 28 ()15/()2./2C)t)9 M orlth i? P M l 247 3:1 1 8612 05 ()?/'D 1J2E)09 Jtll Payment 535 45 2 3$6 40 07/02/20()2 Monthlk ?MI 242.33 2 ()q8 ()7 :7272,.'20% County taxes 703 5(1 1395 57 (18/01 N()(1@) Auç Payment 636 15 1 922 ()2 08/24025 Nlontbly P MI 217.33 1 584 59 Eoding tlalance $1 ,6> 69' Losveslpëojeclad bJlance 0025$02 0057389 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 12 of 42 ' . Statemelt date 12*3CD101 af 4 k u storlker Servlce Iv, lsox 51 70 Accoupt Nurnher 193484653 'lrlu T'allev t'.& :.J(x$ 2 51 ?() ? ro p e rpf a d dr 0 s s 6 ? 21 Tr onlc h41st Stre et How Your Loan Amount Can Change If your Mlnlmum Payment Is 1e$: than the tnterest () 0 0 0 ? 0 5 ()1 AT () 3M *-ACJ'rtl T1 3 7414 M1:1p 167 only Payment P() A4 AG û()0... ..0..2.q. E(> 7û IN 1 P2Q?05 * Y()tj! merytily Mlllmum PayrnetAt wll rmt l)e enovgh to çnver lNe JAMES L & CHARLLNE E POTTEH mteres: dee ' '' 572 1 T () 10 Mis! St * l'he lntereM ENIP Wblch 1'.% lt't CWGPEI W F ' ot,f Mlrlmum Pavment 19f D ' l ' K' kncwn as Defetred Itfleras, and w:.l be added to tle amnurfl you :,w0La s 7eg as NV 891:10- 156 l ()n your lôari. l'oal Pfincipal baiarpca wll then Inccease wàlc)h is kncwn . : ' as eNegativ: Amclîlzôtlon'. * NegatTve Amorrl7atlcn results lp f edtlclpq 1ba nmount of equdty ypu I IIIIIIl1IlI'I'llI'l,I'I1'1lIIIIl'1'lIIlIIl'lIlIIl'IeI'lIx h'V* 'n '9Q' home. N ëoi't've Amnnlsatden should be maneçadl I ' l I I I c arefulN . s o Ihat you are not s ul ?rls ed d y siqnlfic a pt Increas es ln futare hllpTmum p ayn,e nts . . - . . . . - . . - - . F0R CUSTOMER SERVICE: 1.866.653.6183 ' i Your Monthly Home Loan Staternent Snapshot of your Home toan as of December 03.2010 Type of Loan 30 Yr Jumbo Payoptlon ARM A/PMI C urrenl Prlnclpal Balance $423 221 13 0 rijfnal Lo an Amoun! $424 000 00 Maxlmum lamd (see explanallon at boltom oï page) 1 lb (1(1% M a r 6) l n ' 2 8 1 b p/o lnterest flate lhls Month 3 262% flemalnlng T erm 24 Ye ars 8 Months P aymenl Dtle 1) ate: J al 1 , N1 1 tale PaymeRl Clayge'. $ I01 61 If paylnenl ls ntll rec elved by 2ap 1: m l 1 Y P t 0 tions this Mont: ' ' ' 'j our aymen p The amounts Ilsted below are lolal paymflnts, Incsudln!l amtlents colected fnr escrow tems such as taxes and Irlstlrarlc e premlums. Tetal gefmrred Principal/ oqtstançliBg optioaal Paymant (lptios, Payment l-rllmmsl let,lys! owe.: jsltq çj.!.:y** Escrow Fep(I1!ç.l>***0 lion 1 Amerazeu payment . 'rtlls ol?llon ,s nol avallable thls monlh ' -- ' ' ' 'P option 2 15 .Year Amofljzed Payment $4.,:17.œ $1 256 43 M50 63. . . ! : . . . . . ' . . . . option :9 Msnlmum Paylnent $2,:54.:1 $2 093 % s%0 63 ' ' ' ' .. . . .. . # : option 4 Itlerest Only Paymtlnt Tbls optloq ls not avalatle thls rnoolh eNallallva il Intiunts (4.1 mgltls slqn) shown ln the deferrej dnterest tolumc are 91.1:1 to tl'le pcln clpal tlalance Thîs re:ults from maklrlç a Mlnlmum Payment that ls ess ttlan tbe lnteres! flue *-otrtstand Itlj rate charçe s up tu $4û(1 (12 are tefiectetl ln the payment tlptlon amount Explere the benefits ol managing your home Ioan account oI1line... tEllt'y tle ease aocl flexiblity ot accessjng updated ac count lnfofmalion- 21 hours a day - ln one collvenlenl locatlon. L()g on to www.bankofamerica.com to. . access detailed informatlon on youf mentlly adlustable rate nlorltjage, and escrow statemerlts * revlew tra nsa ctlol hlstory I()f payments f e ceived a nd esc row dlsbursënlents ma de * tl odate ta x artd insuron ce In Io rmatlon * vsew any payment c hanges due to ARM o r asc row a djustfnetlts * upjale bank lrlformiltlt)n uslnq Manaje Accounts * lnake payrnents on-line wpth Mottgagepay ()l tàe Web* *please nole: Terms and condlllons apply. A servlce fee maï ba assessell . Please read webslte for enrolment detals Maxlplopl 1 I-t Per your kozr dotulrelts li1e Qlaxpmum 1 kmsl ls 1% maxpmum amouot ylur Ioan cao grf.'w lp before y@u *re retyzlled !(1 make :Me Fusl Peymeat 11 :ob feach the hlaxkmurf' l kmlt ylpr Mtnpmum Pëyment wI1 I fl c : ê Rs e ! () t h e a m () u n! :; *1 c I er4 ta f e p ay yetlr urqpal (1 p! 1 nc Ip al b a1 Ro(: e 1 ri f up i tpn îhe M 1$1 ur1 ty () a:e 1 n .& utlsl zntpal 1./ eguap ge'f frr erAs at t h e ! herl c ul ; e rl p rler esî I aî e Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 13 of 42 y- h 2 of 4 . a-- aa s .visit tjs al wwwrAaaklfw oricaxom2*.* .: 0*1-- Atitrol- 1- gyeur Home Loan Activiw this Mon. Breakdown @f Pe ments and œ her Amounls Nxfpal/ @ti- l m lrm# M ditie.al 1- hodscts Ke# nuy.dqwn .1J# oescriptiop A- - le msr l- mr hia'kql fmme œ Aes e le- ë #@j!@.< # Unapplied 1 l/ls/-jàià PMI paymenl -$247.33 -$247.33 12/22/2010 Decemàer payment 2554.01 943.18 1e1D.2û 569.63 12/02/201: Misc j-osting 525.99 525.99 e*E-jog-ialapc. te ï--ilz *M xre yecededW a (.! $+ bwe % a* dtêtbefmpclpà OlafKe. MPI- / nwte. Tlye endiog pfm pat tsafYce stxm O e m*y qetbe the emu rt- eedto pe dfour lûan. Ferpe InfçrmeorK vou mw tse - 24-*+ utlmated le rme n systefs Cahl l Btmre F?D I-Mortgage-qelated Expenses Paid from Your EscrowAccount W e are responslb le for paylng 1he fol- ing lnongage expenses on your behalt usmp *a mtmey m yotlr escr- account Ytlur Policy Number Frequency Next Type of Payment WI)@ Iletviy'e.s th@ Pa- erl or Tax IB @1 Pemenl Payfneflt Bue Amelnl Bue Homenwners lnsurance Alstale Insurance Co 9863257% Annual 94/01/20 1 1 $798.28 Monthly PMI 22835464 Monlhlv 12/0 1/20 10 $247.33 County taxes Clark Ceunty Treasufer 1 25-D.414-* 4 Annual 07/0 1/20 1 1 $755.25 Oounly taxes Clark Coufo Treasurer 125-25-4!4.04 . Annual 09m 1/20 1 1 $?55.26 County taxas Clark County Treasurer 125-D-4 11.001 Annual 12* 1* 10 $765.36 Cnunty taxas Clark Counly Treasurer 125-25-414.004 Annual 02/01/29 l 1 $765.36 '- - - ' B19 Y0tl Paynhents KNOW'? We may charge you a fee (of up to $40.K1 for any paymenl returned or repcted by ytlur financlal InsMulion, subjectto applicable law. AI1 acceptad paymenl of princjpal and Interest wll be appled lo the Iongest oulslanding Instalmenl due unless olhalwise expressly probihjlad by Iaw. - - . . CREIBI Rfpt*lle Y TKET 0 We may feport mlurmagt)n about yeur accxnt to cred: bureatls. Late paymenw, mased pa#ments tkr (zther defauts on your accoun! m:y be reflected m your credlt C 9 N T A C T repert. B S 170: up-to-the-mipuœ infprrpatioa lblltthe xeo*pt tls.e ;ur z4-beur Tax Dept CA:-913-tB.01. P() Box 1021 ), 7an Nuys. CA 8 14 10.02 1 1 autcmated lnformatlon sotem. TD ask us abeutthls statement or account lnformatltm. Insurance Dept .572.977.01 .(B, P0 8ox 9612% Fort Wortb TX 7t$151.0226 cal 1.G 1A 6l&, Mon . Fr1.8am to 9pm Easterrt Time. Calls may be monltared and/oe Payments, Attn Remrtance Processmg P0 Box 515503. Los Anqeles. CA re corded for service quahty purposes Se habla expafi// 1 r '.!95 œ25 KK51 .iiKL3 I'BD 1 !(10 300 6407 eogernlgl.t delkerles LADC Betall Payrnent Servlces. (:A9.705.29.31, 1 Bû() W Pl .lyye Ilwv'e flt! pctoœnt atlmber avljlable vzlea wu cajl. Temple Streek tls Ançeles, ()A 90012. 1514 3r wrœ to us at Qqr webse www.bankofamerica.cnm '7he address for jeneral Inqulrles an1 aIj iIESPA iluaWied Wrltten Bequests ls Yotlr accotmt mformatlon r& avarlable Tn Spanlsh ()n the spte mentloned above. BAC Home Loarts Servlclnç, LP Attn *The faclkty al thls address dees ncrt acceptwalk..up paym ents It accepts Aernlght masl only Payrnents can be made by Phone onine Mal ()r at Barlk afl -tystomer Servhg.t CA6.819.#!.j- 1. P0 Box 51 70. Slml Valey, CA 9:$(f..?uj.1D Amerjca Bankmg centefs. ' ' ' 8ant Clf America N A. Member FOIC 8ank of Amerlca N A and NAI; Home Loans Servictnq LP a subsddlary ()I Hank olAmenca NA are Elual Houstn; Lenlerti. C) 2010 Bank of Amenca Corporatlon Trademarks are the pfoperty ef Bank of Amenca Gurpefatlx . All nqhts rerefved œ 421(* 12 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 14 of 42 l 2 3 Exj4jm r j; 4 5 6 7 8 9 l 0 1 1 12 1 3 l 4 1 5 1 6 1 7 l 8 1 9 2 0 2 1 2 2 2 3 2 4 2 5 2 6 2 7 2 8 11 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 15 of 42 ?ho tpftth - ûel /;v en'?roofof mailing atached CERTIFIED MAIL # . BANK OF AM ERICA HOM E LOANS BARBARA J. DESOER - PRESIDENT P.O BOX 1022- VAN N UYS. CALIFORNIA. 91410 LOAN M TM BER 103484653 Bank ofAmerica Home Loans, Alleged Creditor N t; . JAM ES L. & CHARLENE E. POTI-ER. Alleged Debte; Re: Having been presented with a QUALW IED W RITI'EN REQUEST, COMPLAINT, IMSPUTE OF DEBT A.ND VALIDATION OF DEBT LETTER, TILA REQUEST dated Februar'y 27, 2010, sent via Certified M ail //7009 0960 00(80 7002 0109, and having had Notice and opportunity to respond, Bank of Am erica Home Loans have failed to fully re pond. Gentiemen: This Ietter is lawful notification to youa pursuant to n e Bil of Rights of' the National ' Constitution, in particular, the Fizsta Fourth, Fifth. Sixth and Ninth Amendments. and n e Bill of Rights of the Nevada Constitution: in particular those sectiens which corresN nd to those sections relkrenced in tle National Constitution, and pursuant to your oatlza and under the Real Fastate Settlement Procedures Acta 12 U.S.C. Section 2605(g)a requires your mitten response to me specific to the subject matter. Should you fail to FULLY and COMPLETELY respond to lhis NOTICE OF FAULT and OPPORTUM 'I'Y TO CURE, within 1B daysa by anm ering alj of the questions in the QIJALIFIED WRIW EN REQUESX COMPLM NT, DISPUTE OF DEBT AND VALIDATION 0F DEBT LEW ER, 'FILA REQUEST you 8.%e,e to the Derault Provisions under the QUALIFIED WRITTEN IG QUEST. Your failure to rospond to this NOTICE OF FAULT and OPPORTUNITY TO CURE is m ur lawful ,legal and binding agreement with and admission to the fact dzat everything in the QUALIFIED W RITTEN REQUESX COMPLAINTS DISPUTE OF DEBT AND VALIDATION OF DEBY LETI'EIV 'EILA REQUEST is true, correcta legal. Iawful and binding ulxm yous in any courto anywhere in America , without your protest or objectitm or that of th0% who represent you. Your silence is your acquiescence. See: Connally v. General Construction Co.n 269 U.S. 385, 391- Notiticatioa of Iegal responsibility is Kçthe first essential of due process of law-n Also, see: U.S. v. Tweel, 550 F. 2d. 297. Gsilence can only be equated with fraud where there is a Iegal or moral duty to sm ak or where an inquiry leA unanswered would be intentionally misleading-' Any other incomplete responses you may have sent or orders to not corresponded on this matter, are only' conditionally accepted, only upon your full and complete response to the items required in tle above rejèrenced reqtlest letter- which has not occurred according to the rtkLord. Verbal replies al'e not aeeepted. Any legal threals, charges- or claims that lbis request is invalid are hereby accepted for value and considered seftled. Bank of America Home Loans, BA RB.YRA J. DESOER - PRESIDENT having had opportunity to respond to the Nualified written requesr in compliance with and under the Real Egtate Settlement Procedures Act 1 2 U.S.C. Section 2605 (e), served upon them by JAMES L. & CHARLENE E. POTTER, in the matter of LOAN NIJM BER IBM R M on or about M arch 4 , 2010 have failed to Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 16 of 42 respond and are in fault. n erefore. tbeir fm-lure to mlm kq th01r A iasion tlmt the O efault Provisions under this QUM IFIED W RITTEN REQUESU are in full effect n is 2 page Notice of Fault is cordiany presenteda Al Rights Rese-ed - Under Necerxsity Notice to Agest is Notiœ to Principal; Notice to Pe cipal is Notice to Agent- lf you choose to cure the FAULX by answering all or the qAusltions in the QUAI,I'FIS:D W RITTEN REQUEST, Coe lxm x DLV ITTE OF DEKT AND VAIR ATION OF DEBT LETTER, 'rTI,A REQUEST th0 do rzy in writinp completely, on a point for point basis with parlicularity within 10 tlays of this Ide s date.x and supm rt your e -ments with cvidence, fact and law. Your failt!re to lw pondp as stipulae . is your ag- eat with and admirksion to tlle fact that everything in the NOTICE OF FAULT and the QUALIFIO W RX EN REQUESX COM PLAINT, IIKV W E OF DEBT AND VALD ATD N OF IIEBT LE'rTm TH,A REQUEST is tlues ceorrect, legal, lawfulm and is your irrevocable agreement aftetem' g to this. fully binding ulxyn yous in any court in Americw without m ur protest or objection or that of those wbo represent you. Non - Asstunpsit AlI ltights Reselved 7 4.By: kw - Ixte // -? 2: :, Ant rized representative for JAM ES L. & CHARLENE E. POTIYR NOTARY W ITNESS State of k '. $' k J v' ; (' ltn coun.ty of (t l ', j ï: k. .- - .- . . t ) ..... .. j . l .- - - .Subxribed and sworn tp (or amrmml) lxfore me on tbks $ day of .h ( l t'i e a 20-14-., by vaf't. l1e t, ë . pc #1 e,' .1' ( ' I, . i ).; ,yu,. !f' l-zcizs-foved to me on tle basis of satisfactory evidence to t'e tbe personts) who appeared berore me. z.' / ! w - 'M' ''x . k!f ,. ' , ,r' ex .q. z. z,e'.grz'... ,' .x -.r z ' . z',.'. ' . zr .z ..' ,(z.r/ 'jjéajl -.--.a u yg. , ....Signat'ure . . . . f ..; .. . ;ww .... > *C ommission expires jt t.: : . r r , ) ?.; .- ,'. ) . 204. .2 *r.- - . 0 110 1 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 17 of 42 ' a, y . . . . . p , , 1. : F ? Complete items 1 2, and 3. Also complete K Slonatlre' i/pj bvr; tït '? ; y. . j.' ; , . :. g r .y.< r'ja ageatitem 4 K Restricted Delivery ls desired. . . J c - d -..X *' ' . '1.. i' . 'M Print your name and address on the reverse . .' K:.: L';;' . J 1:1 Addq - o -tlp.f?-so that we car) return the card to you. j B a - %jJf partq' ' ) o. oate of oejtveryil Attach this card to the back of tle mailpiece , ) ' ' Cir on the front if space permits. 1 1 -I y Iuj ves- k D. ls delivery address different from ilem 1 ?1 . Ar4icle M drûised to: . I ; 1 If YES, enter delivery address below: IZI No- /. . 'j . ,/ ) . . - p s L. f-l-ry.x .. t. L; 1-175 k'Tz u (. Q t '.d. t' z iJ1', l. x. (.,! J - - : . , ... , . s, :., . b :. .) .k: , . jk.-- ' k'):.:,.fns';- b-k-' -, t.-.l1'' -J t; .t t- f k-. : -t k; î).. ) rjk - f, - s. t L, .? '.7 / ---à'.J t#z 3t' w p . a. sswice Type Q ) (-' t ; uj .' w t'.l c- fled Mail (:3 Mais' ' 1 $J' 9 uh 2-' Y ' '; ) ï %1 . m. negiaterc.d . esurn Recelpt for Mercttandise' ) l E:I Insured Mail 1ZI C.O.D. j 4. Restricted Doligery'? lEMra Fee) C1 Yes 2. Artiole Number /' ' + . . - . v . > - .r ./6./:3 r,.- ./%. '(,? v/ f..'f-?/ ,.'J y'o' ' ,z'. s', 6 n(Transfer fmm serv/ce labeb a PS Form 381 1 February 2004 Ilomestic Fleturn Reoeipt loasgsmz-u-lrvxl Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 18 of 42 - ' ' M SERVATION OF M AILING 1- J do hereby solemnly declarea that on G th 5 & 2010. l did cause to be delivered by First Class Certifled US M ail, a true and cofrect copy of the foregoing instruments including true and correct copies of all/any documents referenced therein as -attached hereto'', to the party and location listed below . W itness Signature. W itness Complete Name: R ' B k f A i H L J L P ======= = == ' ' m ''- ' -=- I -' L== == ='- ' == - ? '- ' =e. an o mer ca ome oans vs. ames . otter ar rIU.ADI')u #JLSA S l A I l0hiAccount # 103484653 ' cqj kj() Au st)s i L.4st)4 . N t.i R I $'1 LA 0 G /t S h1 V 6 9 0 3 1 - 9 6.$ 9 8 Document Sent To'. :) t'y / t! ' ! '1 t) 1 1 : 0 7 ' () 6 Ar1 BANK OF RICA HO LO ANS . 1'; f 7, r . P. 0. BOX l 0227 $ )iL s c c f p t a on il : ..,' hkr 'i c tA >' . ' c by VAN Y S, CALIFORN IA, 9 14 10 v' .Ji h? Ei ul 't' t; . () Ft t) 1 :: 1 i ) % .t )fs i .:; c y : iq i- t 7 %' t 5 l r L' ) L'. : C) I :) 1 . (1 6) (, z' By certified Mail/ 7&/d Jafo :0t) / /è7d? k'ada - b.xszsc. L,cf kse ; , ve' y s,. :,a., wi.aoe C e / : i f ' ît.i . 'd t! a a l ' > î) ' i'l ey ' .. ;- : ; tC e (. .!.i 'i r) t ( U *.L: 91 si l l ) $ '. l > s, tzu F'c' ;> ï a u e $ t ' t& t kzi t . - . - - - m '. o :.) m ) 1 l C a r f i $ 3 m g . . ,,-a ï t'i e (7 u n C 11 '!S , 4 7:. h X X X .X X tl C 2 5 k p 1) ' r.t N? r.t ! # ' $ . .G QO ' 1, k S JR f' l'. b t3 ' : li L'* 0 pi d . ,..n ! 3 ' t7 tl 2 ; ?' 9 t ) .' % . tz . r-'i l (A c a 1 ; ) t Iê ; - '2. t ) ' i f) (:D 7 i f 13 P1 S x ! C t A . ' . ! $* b % (7) 1 .FA. # q '! i' 'J k) ; . t 5 - (? I::I C i3 t'f c h. t) n i' I 1 'Ji J; e ' ' ' ' 1 ' - ' ?; tr- ' I C fl c 'i 7 f î t'i d 9'1 J 1 ' ! . . . , $ ; '.z 'ï ; 6 r' 1;$ t; ) k 1(' :) 6r, F'f #ï : : ' f n . é 'x$ i 2 sk : :. i9 .u tE1 ' ; u .> r) :; . (D T.) ; ; C 2 i' va ss >s / ) 4 i rr ' E $ ! tl I1 FG t :x ' i '::' z-',.>1. o; I-Y/w'-, c,x ,6-.0/w, t.o e.m ' ' ' r'en 1 e ''- t ', 'é' n r '-'a ' c;?' >' tedr.a g.'l - jp . . , . , , j.) sk y s )c:a . .- t - : ' f ix r' L e , ,;A ;. . . . . . .$b t /u'p.p-7 t $-:a ) on' s ) .ru ( 'ho ylay, , ep 9/t?lc . .l 't/ f 2I r. ç $ - ' ' ; t i4 i r ) a i , i ;.' L: ' z l ) t '. .g j f' ? I ji..-. t .. a f f i , e ï r' :; s !.' k'; i' 'i 5 : .'j u f (- ; r '.'a IJ t : /5 'f h u ,T., l th :? :$ !f f' , . c .r4 ï z'y l ' %! :1 r$ i.I l ! t % $5 'i r ï'J (1 l 1,) c;k Ci 1 . J; i K' z'; ; . r . t t.3 .J Js u t' fh t t ) tb (s $- 'v' l.f jz (3 tl . SA t !- t'. .' ,4 n. '. f ) :% S ! A )'! i' S /$ N i) 14 OS f A t- l i ;4 PS )' ' '' G ! 'd ' ' 'r r'J ! l L D S L i1h f !. '' , S f > 'l %' Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 19 of 42 1 2 EXJIIBIT C 3 4 5 6 7 8 9 l 0 1 1 12 l 3 1 4 15 1 6 17 l 8 1 9 2 0 2 1 2 2 2 3 2 4 2 5 2 6 2 7 2 8 12 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 20 of 42 Hame tmaM PayoffDepartment Ma# 81œ 1A2-981-03-13 . , Q Statement Void Aftel 710s corpocate D e - Plano. Tx 75024.41, July 1, 2010 Statement Date 4û060TB.0n00$5$ 79/71n ..... June 22, 2010 Jam es L & charlene E eotter BAc Hom e Loans Se- icing, Le 5721 Tropic Mist St 1 Loan No.: 103484653-3 Las Vegas, NV 89130 1 - ru -... ! Name & Property Address:James L & Charlene E Poter 5721 Tropic Mist Street Las Vm as, NV 89130 (CPJMPAYOPT) PAYOFF Pdncipal Balaa as Qf 05/01/2010 $431,929.83 CALCUI-ATION Interest fom X/01/2010 to 07/01Q010 1,1i'0.88 county Recofdiw Fee 14.00 Reconveyance Fee 1(i0.0û Modgage lnsufance Prefnkm /47.33 Total Amount Required to Relea- Lien IM (/ July 1, 2010) $433,471.94 AME#OEII X 1:#0 STATEX #TS AREW RTAUT# ATCMLYIF TSE TOTAL A#GINF # E I#CJX;SES BEFORE JW Y f, 2(d0. INTEREST CALCUG TIORS F()r aIl fu11 month payment perizs, interest is calœlatd on a monthly basis. Accoröingly, interest fof aI1 ful months, induding February, is calculated as 30/360 of annual interest, irespective of the actual number of days in the month. For partial months, interest is calctlated daily orl tle basis of a 365 day yeac Adjustable rate modgage Ioans may have mGe than one interest l'ate irl ef*ct during the period in which this demand statement applies. Amended demand statertlents are sent automatically if tl!e tetal amount dtle inqreases before July 1, 2010. Daily lnterestl From To Interest rate 38.9945 06/02/2010 07/01/2010 3.2500 lDaily lnterest = Principal Bakarce x Interest Rate + 365 PAYOFF INSTRBCTIONS . . . - - -. . - ... . - - . . - . Papff âmds must be made payable t0 BAC lleme Leans Sere ing, LP and wil be accepted by WIRE or CERTIFIED FUNDS ONLY. They MUST reference the BAC Home Loans Servicing, LP Ioan number, property aduress anö borrower's name in the 0BI (Originator Beneficiary Information) fielj of the wire lransfer or on the face of the check and must be sent per the instructions below, Failure to dl so may cause delays resulting in additional interest due or the rettlm of the funds to the remiter. Funds received after 4:00 p.m. Central Time may be posted the folowing business day. Wire Funds to: Mail CERTIFIED Funds to: Beneicialy Bank Bank Qf Amefica BAC Home Loans Seaicing, LP ABA Routing #: 0260-0959-3 Atention! Payoff Depaltment, Mail Stop TX2-981-03-'1 3 Bimesciary Acct Name MRC 7105 Comorate Dive MRC Account #12356-19173 Plano. TX 75024-4100 Reference: James L & Chaflene E Potter Loan Number: 103484653-3 PLEASE D0 N0T SEND CERTIFIED FUNBS T0 TBE WIRE FUNDS INSTRUCTIONS ABOVE AS CERTIFIED FUNDS MUST BE PROCESSED 1N OUR PAYOFF OEPARTMENT. Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 21 of 42 1 2 3 Exl4jgjT p 4 5 6 7 8 9 l 0 1 1 1 2 l 3 1 4 1 5 16 1 7 1 8 19 2 0 2 1 2 2 2 3 2 4 2 5 2 6 2 7 2 8 13 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 22 of 42 7 D E1 5 EI 51a D El EJ D D 7 D El P O P 7 7 In care of: Cynthia L. Castellanos. NOTARY For: JAM ES L. & CHARLENE E. PO'l-l'ER 33 1 6 M astecraft Ave, N . Las Vegms. NV 89031 Certified Mail # fX9 W#.Y) O0X) VX Jj :777 Return Receipt Requested O Q& / . 2 0 1 0 To: BANK OF AM ERICA HOM E LOANS BARBA RA DESOER - PRESIDENT P.O. BOX 10227 VAN NU YS. CALIFORN IA, 91410 Re: BANK OF AM ERICA HOM E LOANS vs. JAM ES L. & CHARLEN E E. POTTER' Account no. 103484653. my Conditïonal Acceptanee of Your Ofl-er charging me $433,471 .04 and the Terms of Contraet. REPLY TO LENDER Notice to Agent is Notice to Principal; Notiee to rrincipal is Netice to Agent Gentlemen: As acceptor of your offer to collect a payoffdemand, l have the right to dictate terrns (especially those protections l have under the Iaw). This letter will serve as notice as my aceeptance of your pfrer/elaim upon pra entm ent of tlle original unaltered note (wet ink signature) or eontmct. This is the tirst requirement untler the terms of this self executing agreement. As m u know, upon m yment, I am entitled to tlde original note (wet ink signature) so tba: it may not be re-presented by another alleged Gdebt collector-o ln recent cases brought by various banks. the courts have tluown out the complaints for failure by maid banks to bring fonvard the Note (wet ink signatttre) to prove up their claims. Consider the azticle by Bob Ivry of Bloomburg.com from which this short quote is taken: U.S. District Judge Davfd D. Dowd h' in Ohio's northerrt dîstrict chastised CHASE Bank National Trust Co. and Argent Mortgage Securitiu Inc. in October for what lw caled their Wcavayier approach'M and 'çtake my word for it' atitude toward proving ownel-ship of tbt mortgage note (wet ink signature) in a foreclostlre Casr. John Gallaqher, a spokesman for Frankfurt-based CHASE Bank AG said tle bank had no comment. Fetleral District Jtldge Christophcr Btdyke dism issed 14 tbreclostlre cases in Cleveland in Novelnber due to tlte inability of o c trustee aotl tbe sew icer to prove owpersltip of tbe mortgages. Similar cases were dismisscd during tiie past year byjudges in Nevadw Massachusetts. Kansas and New vork. Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 23 of 42 ....ui. I.L - . .u-.2. -= . : .- - - - . . è ...-L--- --. ..:- - - - u .. . ' ' 'z)-- Lèic .u .= :' .-c-' -.-. .z . . . . . . 'l'he judges in tlzese cases know that to convene a court or award iudgment without any &/.&j.j' whulsoevzr is not only a breaeh of tlwir oath to be impartial, but conspiracy to defraud. lf you were to aceept my payment of $433,47 1 .O4 plus costs and fees and should fail to produce the original note (wet ink signature) or contracts then you would necessarily agree that LENDER'S (hereinaler LENDEIUAGENTS) claim and your claim were fraudsv without any basis whatsoever. Tbat would make your demand leter (atlached) a counterfeit security . lt would also mean you were engaged in a commercial trespasss' theretbre injuring me. Therelbre: l will accept your oftkr alzd tender fu11 payment to be held in escrow by Cynthia I,. Castellanos a third party NOTARY PUBLIC (address above). ln return you will agree to have you, LEN DER /AIIiENTS-inAmediatt'Iy produce the original note (wet ink signattzre) which it claims to be holding and to which I am entitled upon paym ent. lf LENDER/AGEN-I' aotually has the note (wet iltk signature) tthe basis of their claim) then my tender of palrmelt tlzrough thv abovc named eserow agent charged with accepting said note (wet ink signature) and authenticating LENDER/AGENT'S claim should not pose a problem tbr you or your client. Therelbre, you agree that once the notary/escrow agent is in receipt of m y tender of papnent in the amotmt of $433,47 1.04, it-yOU/LENDER/AGENT should fail to immediately produce the original note (wet ink signature) or contract. you agree to immediately release your claim for $433,47 l .04 due to your fraud. M oreover, you also agree to immediately pay me triple dam ages: That would be three times the odginal amotmt tendered. So, if I tender $433,471 .04 and you fail to produce the note (wet ink signamre) anci/or fail to coI lect said tender within (15) fifteen days of your receipt of notice from the Escrow Agentz or if you attempt to collect but fail to prlxluce the original note (wet ink signatttre) or contract you agree to immediately pay me $ 1 ,300.41 3. 1 2. Should you fail to immediately pay me $1,300.4 1 3.12 you agree to grant me Power of Attorney to handle this business for BANK OF AM ERICA HOM E LOANS and its senior oft-iers lj> wùl I15 grlmting mts 1 lien lylinst 11 propjrt.y held by you Ynd the senior offili:rs cif VANX (.): AN4FIILQ'A IIL-IVV LOANS. Yol! IIPBB thld 1 lnly crllcect by xlling ciff yol!r prciperty withotq yl.Aur prt3lgyt &.qd without l'ttrl-lw-r ntqilzv ba pl!!: To insure that this agreement is fully binding: upon receipt of this agreement, (realizing that LENDER/AGENTS may not have the original note (wet ink signattzrel) you llave (1b) TEN days after receiving this notice to w ithdnaw your claim by noticing the notary, at the above m ailing location, that the claim of LENDER/AGENT is null mld void and that LENDER/AGENT'S claim is w ithdcaw n. Shotlld you fail to w iththuw the claim . having had notice and opportunity, you agree to be Y tmd by tbe terms of tlzis self executing agreement agree not to proceed with any late payment claims or negative credit reporting, foreclosure, or court cmse, as I have m ade knosvn my intent to tender fu11 N ym ent or else will have already tendered paym ent, and you agree to accept rsaid settlem ent as explained above. I will ihen m ake arrangements to deliver full settlement in the amount of 433,471 .04 to the Escrow Agent ms described above. under notary seal. Howevera tllis tendered pam ent will be immediately withdrawns upon your default/failure to withdmw any LFN DER/AGENT'S claim and/or your claims at the end of the (15) fifteen days after yotlr receipt of this notice. Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 24 of 42 You and the senior parmers of BANK OF AMERICA HONIE LOANS, as well as tlle President of LENDERM GENT agree to be apm intcd fiduciaries with the m andatery duty to settle the olaim uptm my tumder of paym ent te the escrow agenl and to im m ediately prtxluce the original note (wet ink signature) or contmct. Upon receipt of this agreementm please imlnediately produce your public hazard bonds, so that l may eaforce m y claim upon your failure to produce the ofiginal note (wet irlk signature) as required under lhe law. The notitied LENDER/AGENT agrees that a non-resm nse or incom plete response. which shall be deem ed a non-responsea would grant the original Grantorfl-rustor, JAM ES L.& CHARLENE E. POW ER the right to act as or to appoint an agent of the bank fbr removal of current power of attorney and subsequent appointment of successor trustee for the purposes of fi ling a Full Reconveymwe of the original Deed of Trtlst or fling a Satisfaction of M ortgage/ Release of Lien of the original M ortgage instnmaentv thtls finalizing the lender's claim as satistied in :111. AUTHO RIZATIO N TO RELEASE LOAN INFORM ATIO N: I hereby autholize you to release and all loan information requested to Cynthia L. Cmstellanos a third party NOTARY PIJBLIC. Sincerely yoal's. .-- ,' ' '/. .'' ' z ; ./y ' 6;-'. ( - t; '? w. j.a / tt, taw y f JAM ES L. & CHARLENE E. PO , ' real plrl.p in interest lqiured Party, Acceptor of Your Offer Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 25 of 42 ASSEVEM TION OF M AILING z'/éz,z L-. // e- do bereby solemnly deaare- that on1. zl 2010. l did calzse to be delivered by Express private courier and/ First Class Certifed lJS M ails a tnze and correct copy of the foregoing instnlm enta including true and correct copies of all/any docum ents referenced therein as çiattached hereto'', to the parties and locatiorls listed below: B/itness Signature '- t. . .' If witness is a NOTARY: v z====== . =. Commission expires t i f .a t . , 20 1U' wdxw-- 6210 N J/NES BLv/ LAS VEGAS, N!/ 89130-4001Cynthia t a. Castellanos, Nour.y Public, 33 l 6 M astecl'aA Ave. t)z / ()l /2n1 0 ()8 : 2: ; 46 jaq N Las Ve as NV 89031 =================n=Jz=uu.=============.==. g , Sal I es Recej p t Product Sale Unït Fdnal Desccjptfon Qty Prlce PclceRe: BANK OF RICA HOM E LOANS vs. JAM ES L. & Account no. 10M e2K53; m y Condie nal Aeceptance of YoI $433 471 .04 and tlle Terms of Contract. VAN NUYS , CA 91410 $4 , 95 * zone-3 Prïocjty Ka1l@ 0 1b. 1.40 oz. * Lxpected deljvecy luesday, July 6, COPy tO: cectjfjed naïl'l $2,80 - BANK OF AM ERICA HOM E LOAN S Return Rscebpt (U .S. ylai 1 ) $2 3: BARBAM DESOER - PRESIDEN'T ========1 ssue Po s tage : $ 1 0 . 05 P.O. BOX 10227 VAN N UYS CALIFORN IA 91410 iota I : ==========p y yy; ,5 Païd by: Debïtcard $10 0. ?/ 4 t.r' t-vltlt-, qctu u'.J7-/ Accoun. ., xxxxxxxxxxxxaxzsBy certîsed mail# rt) /é?: ppcova, ., :?.241s Transac tï on # : 509 2 3 - 90 2 1 7 0 0 8 3 - 99 Receï p t # : 1 41 3ö9 Nott: Notazy Publk CYNTIIIA L CASTELLANOX is ru an attomey llcenœ Io pre c,c adviot or accepted tkG ror legal advice' provie my assie cc in the prtmaratitm of etr abov> APC I cansac t ï on # : 1 1 5issue refx e therein . Cvnthia L. Castelancs is NCIT a lxiw lo this fme zwul is ONlIJSBS* # a 1 4f$Es . ss 62comn ' ro check on the deljvery status of ur Cectifted Nabll' actïcle vïsit . c Tcack & Confbrm websïta at œ w .usps.com or use thïs Automated O slal Centecm (or any Automated m stal Centeci' at uther Postal c catïons).& ru ease retan eII ieca7pts fcem c fjxed forms. ptlc toqujcies, buth a e sales cecejpt and 4h1 customec & py fcom the affjxed foclg shall be < nuïred. r Ihanks .ED .. It s a pleasure to serve you. m. , ;, ù/ Jywk-jt,v O ALL sA s)AGg .ca t' c. f'ry' /rapn'/ RuptjNn . )Nuv.> .' , ybvsys tj: zljb.(qc)ku.: 85 . ' Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 26 of 42 : . . . # . , . . . '* / I!E Colrlglete items 1 2 ancl 3. Also corrlplatt) ! A. Sigi Eature, . j j u ypjasyitara z! if Restricted Delivery is destred. .x' X :. .a/ x .(a Aurjressdgorpl F rint your name and address on the reverse .p. . ' .j -- .--s xsysujyj jygy. s . .o . sato oj sujjso --yaystl that we can return tbe card to vou. u'ij ztf. ! l E). Recoiv x k;t * 'Astach tlnls carc to the back of the malEriece, 1 ! ' .f? ' ' its j 1 ' .t-.-.- ----c)c orl :l3e front if space perm . .-!--.-.- . .-- ---. -. - . j ' o ts aatrvo,.y acjdross wiforoot trom Itom 1 v ra ves Jh.rtltle Jhduressed (72 j 1 ' j . Lj jxjc1 ! f YES .enter deI Ekzepy ad dress below . l ! k ! ! . . ' . . I a. sorvjce yype t w . , rsy. oarjjjljtj uaj Cj jxpress Matl. i . -. ' . . ': . z , .. ' ! (Ll Recistered (5 Retufn Receiot for i'vlerckuartcln'n. k ' ' ' ' ' 3---- --- -- - .- .-. J 4. Iqestrictcd Ozlivery? (Ekitrle Ixlu rn Uer Tansfer from serz/cs Iabktl) f ' . ' ' % ' ' ' . . f ' ' l ?ï r . r / . PS Form 3 t3 1 1 . February 2004 (zorlesllc Returs Recelpt 1 0:595.02-?:.1 54c1 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 27 of 42 1 2 3 Ex-jjjjjjrja E 4 5 6 7 8 9 l 0 l l 12 13 1 4 1 5 1 6 17 1 8 1 9 2 0 2 1 2 2 2 3 2 4 2 5 2 6 2 7 2 8 14 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 28 of 42 7025 D5LD DEIZO 7O;P OëBB In care of: Cynthia L. Casteltanosm '- 3316 M o temralt AVe.N . l-as Vegas. N V 80 31 Notary Public Fos JAM F.s L. & CHARLENE E. POTFER cerused Mag # J7ce l% d rv-p.N Jap/ Return Receipt Requested C 7. 2010 To: BANK OF AM RRICA ROM E LOANS BARBARA DESOER - PRESIDENT P.O. BOX 10227 VAN NUYS.CALIFORNW 91410 (hereafter referred to as LENDER) Re: Funds in the amotmt of $433,471.04 held in Escrow for BANK OF AM ERICA HOME LOANS to setlle Account No. 103484653; Original Nole (wet ink signatu ) R- ested and Required for Release of ftm ds; Fzman Available * 1 2010. Notiee to Agent is Notice tp Prindpal; Netiee to Principal ks Ngtice to Agent Dear BARBAM DESOER - PRESIDFN : At the request of JAM ES L. & CHARLENE E. POTTEK I am in receipt, as Escnyw - . Agent of Glegal tender fhnd.q'' in the amotmt of $433,471.04 to be paid to BANK OF AMERICA HOM E LOANS v m prmltlcdon of oe original (wet ink signature) promissory note held by you as collateral on loan number 103484653. At yom earliest conveniencey please collu the M ILS by tendering tlle 4.r1g1na1 note (wet ink signature) to me by d. .2010. JAM ES L. & CHARLENE E. POTTER requires tbis so that the note ( ink signature) may not lx represented for collection. Ulxm recdpt of the origmal' note (wet ink signaturela I w111 forward full payment of $433.471 .04 now beld in escrow to you or the agent you designate to receive flmis. I am also available to pelsonally exclmnge fhnaq for the inglnlment Conlact m e as soon as possible to schedttle a m e g. JAM ESL A CH ARLENE E.POTIER wi: xoytlhedmtlzettvn M spam enlY G = en Q> 2010, x plexne donot delay. Should LENDEW AGENT default on - J s 2010. I will issue an Am davil of Non . I am not a party to any dealings Ixtween LENDER/AGENT and JAM ES L. & CHAIILENE E. POTIER, and am merely ntzting as an Escrow Agent (a neutral third party who ensmes that a1 conditions of a- nuteion are met) to lenderto you the funds during the dme allotted. lt is my resm nsibility to rqx)rt either a successflzl exchange V tIZ, or a non-resm nse by, LENDEW AGENTS. sincewiy youp, z-y- x,p ''' -w.. g. ' : . 'f, , Q, , z 'vt. r z .- '> x /, ' j'.z. , y' .rj >/. , ' !>. ).j Nqs( ...j.x. ' --,.t(.tr'ls : .v* '7' z.o-0c ' > o '.>. s , . .-- .u--z-rj,. ) Cynthfa L. Castellanos, Escrow/véfo cc: JAM ES L. & CHARLENE E. PO'I-fER Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 29 of 42 ASSEVER ATION OF M AILING 1. JJPT/J?A- p <- do hereby solemnly declare, that on x.r-- yJ-, / 2010- I did cause to be delivered by Express private courier and/ol'r First C1kxks Certified US M ails a true and correct copy of the foregoing instrum ent including true and correct copies of all/an.y docum ents referenced therein as v ,, ' ' ' ' 2 i dselow-'atlached hereto , to the parties and le tations l ste ., . , ' '' '-. li ;/ / . ':/# k ?f. y, . . :. . n.w )z. .z ( . .,.i nature J.t.' -'z' t 4.-.-,' ., t . . / ? L. ' x-.- CC' %L . t.hritness S g Re: Funds in tbe am ount of $433.471.04 held in Escrow for BANK O F AM ERICA HOM E LOANS; to settle Account No. 10 53; OrigiRal Note (wet ink signature) Rtquested and Required for Release of funds; Funds Available until ' .:1 @- , 2010. CROFJSJROADS F i A 1 10N C to' 0 2 1 t; lf J ONt S B t $ft)OPy . , ,1 AS Vf GAS . N: il 9 t 3 t .a k:l t; 1BANK OF ERICAN HO LOANS BARBARA D ESOER - PRESIDENT i)z l ! 2./201 s t) ,' : z v ()4 l.s P O BOX 1 0227 - ' VAN NUYS. CALIFORN IA, 91410 sa I ss irece I p! '.'J r :7 t j I./ L- t S a ' ! (s t.i n ! t F' i n iu ! t) ia s c r 1 p t j i) I 1) t y k.2 r- i (: a P c i c êa By ceuised mailg r-/a?t:&./ p-r:o L'ax, -/e?a. t'.-: j v/t'ê sazs , ca u' 40 .' s.1. f)s i' f h n i:' 3 #.' ' ': : k r' 'k t ' h1 a f . E.'4h ( ù ( b ,1 l'; 0 .') a. - ... * y x p a (.9 t Fi. I.j Lj s. I .1 . .r, 1 y p b.t ; . ,, k.! ,: . . . t; ) z Note: Nolafy Public CYNTHIA L.. CASTELI.ANOS Is. not an atlorney Iiceni 1 G advice or acccpled fet's ror Iegal adviar providcd no asdstance Z the rfepacat ( ' ta r ! ? f : . . . w ; j '< tq ;? issue refercncrd tikx in. Cynthia 1- Castlanos is NtI)T a party to tIIS adi lt., t t . j r ù ix vk - i, ) ja ! ( ëj ts f I .a î i l $ ?i i 'commun calions betwecn the part ts . -. - : - l F,. ts k $ z: iJ' tö 'E; IE . ' #) t . . ï; l t') ; : ï % ) . . . - - - - . .. .. :t' ' ; ;' t' l t'1 1; , . . . ' .r .: j ç. yz r. u z '( ( ; (; : I:D . p ;) ;' k . '.! a ! # 4 f' 4 p z 'G. r a t l i, p.q t: k :. ';3 S1 & . 1 0 7R1 . . .' è . '.;; J è' t)l! (j t . ly'..(Z1 n (::1 ' s$ , 17 jd ! :k .' '.. .q . . rv E:J ' .. /')' 'J E t ; tq'F l.t zr ft ' (:::$ b s.>, rj ; r . .x t 1 'n r! ' s (; 'lts $ '. 'J 2 ' fa td t ! ' cs r ' o # '. f. . j w . . E1 ) t. (. ro ; t ; ) . s q . , i. k1 , ;?. . : jt .i t. p s v / . . j:r.. . I r ., t s. ke ( . . .. ! .; I al o. j j. z j t t. j.: I::I / . i.I kn. ; ! zr ( : r.; r (. ) ç , # rv :.à r y . ; .. .'. ? ; . 2jt :J @ j ,. $ .j ' I 'i. ;j! i C. 2 ;'i j s j ' r ( t ' p.i ', y A . . ) '. ( s kiLr- %.. 'L.h9 k (7/ e./f'm , t a ; r.: -. ' , , , t' .. , .. :q t . . t t ' t ., . . . : ., I ' (D EJ /7- (1 ,.e- /J .: J 7 ' - t ' %- ' e ' k''tf. ?'k/tg/u ? (3.B. *1910 ,->. r.,' t , - .' . ' , :. e ,;. t s f , .,.t . . j ; e.:1 .f t.) , ?ri . 1. . ! : ; Tat.j . .1 l , T (.r .J l, . .1 t ?t ro (.1 y 1. ï' o r!' t ' f : e (q; t : 1* . '1* 1!/ . ; L 7 1 ; tj (. r sq q i i f' e 4 ' ). c, /7 p n 1 ' - s c f' t ' . . r'.% t k. . . f:l #. 1. l . r.l . , . l . L. 1 $ 1 ' l 0. l ; i. !t 1 7 t . iJ 4. i? .'$ % h ï y z) t $-. 1. S () t.ç t. Y Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 30 of 42 ! : # e ' ' lete items 1 a ar)cr a. xso coruple:e l t lb. slanatur'e;:r rl .omp , -'te 4.lf nastrzteclosliveln, is desjrecs, i k E:i Agec I l ).t;z Qrint ytluk' name and address on the revers: i ED Acldre 'z' zj .-- - - ---.w- s. g.-.....- - L. . -.jso that vblt clan returln the Card to y(3u. $ l u neceksacj. tv.y f rwcted Narrpq) 1 c, Date of De '/f?/.J !k' AtEach ths card to the back of the maipkec'n, I l ''. ,@l , . i ! /'.h14 ùcle Adfl reosed tfzl ; 'l lf YES, entec delively address below: 12:1 No$ t ? 1 ! ) . ? . . k ' T . i:.' '! /.e j $, t. '( tfgk 111. 1i .i. j: .1. 4 ; k k . 3 l'J :f ; t '/k.,r f J i. ' > )) î 9. 'h. ,f:( . t .@î:' :. é;.' .tL2. 1''...'!)i' Jë... 'Ll'' '''''''''''''''''' '' ' ' '' '''''''' . ) : . z (.b6 7 . t : . . . . 1 74 i.. t. ,;r v p . ?. 1. .JFz &:17v j 3. Svri/ce ryçeh )t' L f. xo .' , . , . w .' . 'g î til'!r L'tertiïied Mail f3 Exprer,s rvlail : x , . y g. ,. ,g ft.' .l.-).t/' zhQ t' ' f.'l Regislerecl iz'.l Returl Reoeipt for Morchanclise -. j , .) #.) p; , . , -. . - f IZ:I J r' ,F LJ ,t# rl #.#:, ,1 r:l (:;. (-). jr).e . . :. ; . .- .---.-. . .-.. .' f 'j / k . 'ï . t ' - '- - - 1 alx ). '. . t.., ' 1 / J T ,.-. .r . . ' . 2 ; , J ; 4. Restrlctefj Deliven/? (Extra / e5) (J1 Yes .7 ! '.N . Avticle l'ltlrrlbey .A'? .e . r .J.e * f y'> J . ' ! s'-v :.' .'* .' z' r 1 ' Z fG'hansfe.c ftom service raleg , 1. / t / z ' lz? :1 t . 7 ) '!' ? . . 't . / )/ .. f .. / ' ? 1 'z I . , ...:4k ?,' .z , ... . . . x r = . '.3G fcorm 381 1 Febraary 2004 Dor estlc Fleturo neceipy toasgs.oa. 1.f G4t' Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 31 of 42 l 2 3 EM ljm ry F 4 5 6 7 8 9 10 1 1 12 13 14 15 1 6 1 7 1 8 1 9 2 0 2 l 2 2 2 3 2 4 2 5 2 6 2 7 2 8 l 5 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 32 of 42 AFFIDAVIT - COM M ERCIAI, OATH AND VEW FICATION and n nal Notiee ef m fa lt ' !A-v-vasn )The Sta'e of . commgxial Oath and Ve cationtlt-nfzk )County of Cynthia L. Cavtellanosm No> Public x'ting as a neutral #IiIW party Fx row Agent lmder his Commercial Oath with unlimite liabilitya Imxe mg in gtxxl faith W ing of xund mind qtn'aq th1 the faotl contaiued hemin are trues correct complete and RG misl-ainglo the Ixst of lzis private flrsthand knowledpq and beliçf under IXMI of Internqtional Commercial Law. . rn/-y .v / cRE: Lepder A-unt/ 1(84*653 PERSONAIXY HANli DRWEDRD OX: 1. I haw v n tlw evid- sMws thattlle Rgspone : BARBARA DESOER - PRESIDENT of BANK OF AM ERICA HO< LOANS (le - - o a LENDFM GENTS) namml in JAM ES L. & CIIARLENE E. I%ITrER'S admink'm, and/or X mand for pam ent and reft- JAM F.s L. & CIIARLENE E. Porrm x lfexocuting oon- o'xpired on July 16s 2010. 3. n at 15 calendar days to collœt tlw $433,472.* and plxxluce lhe original nete (wet ink signature) held by LENDER/AGENTS conclude on July 2Q. 201t). 4. n at the NOTICE 0F FAULT was reoeived on or nlve July 2A 2010 and 3 day OPN RTIJNI'I'Y TO CURE commenœ on July l@. 2010. 5. 'Ihat the 3 tlays to oure concluded on July 22. 2010 w1t1: 3 days alowed for mailing. 6. n at the 3 days for mailing onmmenced tm July I9a 2019 alxl COY I..ZW I July 22. 2010. 7. n at no rmv mx to any of tlw almvo notices is evidenced by U.S. MAIL aad any otber private carrier. 8. n at the Res- denk BARBARA DEO ER - PRESIDENT- CEO of LENDER/AGENTS is now in DEFAULT witbout- a - and 1 ftxtnd 1 ap- tapd hm nany with the Ixolarant JANIES L. & CHARLENE E. N TI'EK in hks Y-olxlzonaI Acceptancr of Your Olï'er and Complaint charging me $433,471 .(M (witb fees and rmlx) mxl tie 'rermt of * Which tenns lnvinuztezl me lo jold $433,471.04 in legal tee ftuxls for collection by LENDX AGENXY ujmn prGludion of the original nGe (wG ink sir xnxra) lleld by LENDER/AGENTS. 2 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 33 of 42 9. 'rle LENDER/AGENT llaw t- notifie and agreeda by ieir silenc.eo to Treble nsmnges scparatrly and m ually totaling $1.300.413.12. Delivery of this documellt shall act as tlye bill for these agleed Treble damagu . 10. It was further establisheda *1% Non-response or in- mplete response would grant tlze originnl Cyrantorffrtzster JAM F,S L. & CHARLENE E. PO'ITEK the right to act as or apN int an agent of the bank for removal of current m wer of attomey and sub> uent appointment of succeassor lrustee, for tbe ptlrm ses of ftling a FUII Reconveyaace of the origmal' DG of TM or M ortgage ine lment t11% Gnalizing the LENDEW AGENT'S claim as satisfied in full. CO PY TO : AII Lendea and Agents - Additional eopies m ay also be x nt 4o o4her inler- ed partio xot speeifeally Iiste above, and w ill serve as equal notice when delivered by confirm ed delivenr AFFD AVR -COM M ERCDG OATH AND VEQH/CAD ON NOTARY and Esoww AgeRt fortber sayetb naygjt . z' z / ,. .. ' . -r .t v z' ye .', . l . pj z .SUBSCRIBED AND SW ORN x , ,. - 7 -,e .,: ' . '-. - . ;..$ . . . ... -y -,. y .- .)Cyn-tliiâ L Castellanos ' 'U NOTARY. Acting Escrow Agent NOTM W Ao vE SIGNATURE . Alsv,s, - c- -. -, t?1,/'/* - -State of bx '1'ed a.d o or. - .(:r nmrmall lvfore mv on th' - y of u.%V 2e10, byCQ 1 Jn 2% .. '(!j')f2.)I'-WtzLL4'4&',o.rs , proved to me on tl.e - is of satksractoxy ovidenco to be the.! (S) Who IieaV' before I! *'hperson j?1ç'j. . ,t- -- tt'b.i --. , - /.t j . y j . g . g . a ., s .., y' Vigppz - rs 'Z XL'R. .t:'-2.-. ' C a' 'X:A, (seal) > Publie, sate of o-a xm, .- . so w yosy/2 .f' L, 1.q 2c - .- .// **'hpl'e'.pr$z. a'.Commiuion expires ORIGINM to: JAM ES L. & CHARLENE E. PO'ITER COPES TO : lendersa servicersxtrtlstee: and agents Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 34 of 42 7005 D5bD DDDD 7DDP 2251 . ASSEVERATION O F M AILING /7 .zl7 ' . - -,Y/tkZDfzu / 0 J do hereby solemnly declare, tbat on1, ( . ,f.> 2010, I did cause to be delivered by Express private courier and/ First Class CertiGed US M ail, a true and correct copy of the foregoing instrument, including true and correct copies of all/any doctunents referenced therein as ttattached hereto'' to the parties and ltycatiorls listed below : ' j, $Witnes Signature If witness is a NOTARY: A///? .201(,Commision expires Cynthia L- Castellanos, Notary Public, 33 l 6 M astecraR Ave N. Las Vegas NV 89031 ' Re: AFFIDAVIT - COM M ERCIAI. OATH AND VERIFICATION and Final Notice of Default Copy to: BANK OF AM ERICA HOM E LOANS BARBARA DESOER - PRESIDENT P.O. BOX 10227 VAN NUYS, CALIFORN IA, 91410 By certised maiw 'loo'r) tlsztv/ tkklp -70p7 J.7V/ Note: Noîary Public CYNTIIIA I.. CASTELI.ANOS is pol an attornry Iitxnsed to plw tice law in the statc of Nevada and has not given Iegal advicc or acccpted fees ror legal advice; provided no assistance in tbe tkm ertle almvc rcfercncod docummts and has no intererkt in anypspm / lssue referenced therein. Cynthia L. Castellanos is NO'r a party to thks action and is ONLY acting in an autho zed capacity as Iiaison to communlcations bctwecn the parties Er œ CD F= CD CD ED Er EJ g. ' , ; . . . . .. yjjmsoCD . ' ' .' ' u V (D . T ) ay yrx- (.t x #'U';P.P ' àktyv' OF V'IV J'Lh ' t , ,)tk-k? l rh ?i/' tk:i -J? të. velb Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 35 of 42 !' Cltzmplete items 7 . 2. and 3. /.$lSo complete ' !b. S'gnalure . . y':. (' (uj Ageoiîeln 4 if Restricted Delivery is desired . v- -i. ,.X . - x 't/ Print your nalne and address on the revel'se , u .ç U (:I Addrt Myr so that we can retum the card lo you. k' (j 6 ' ptirtLet.j Name) (;. Date of DE arlB k.4o y(lë Atach this card to the back of the mailpiece, <' - he front if space permils. 1or ori t ' - - - j D. ls delivery addres,s differont from item 1? (ZI Yes 1. Jkrlqcle Adcfressed to: j !1 jf yysj enter cjelvery address below: Z N0' !1 I 1. j j . , . - -, . j a. service Type ' ' Q'certmed rzail ra Express Mail C1 Registerod R Retum Rcceipt for Melcha, Sdtse ' . '/ . r (:) Insurcxd Mail (7I c.o.D, 4. Restricted DeliveW t'Fatra Feo) (:l yes 2. Rrticle Number (Transfer fro?n service label) / ' C ' ' E PS Form 381 1 February 2004 Domestlc Return flecetpt 1c2sss.oz.u.f54o Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 36 of 42 1 2 EXH IBIT G 3 4 5 6 7 8 9 10 1 1 12 13 14 15 16 17 18 19 2 0 2 1 2 2 2 3 2 4 2 5 2 6 2 7 2 8 l 6 Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 37 of 42 In care of: (leysihiacss-tellpnos, Notary Public Date: August 12, 2010 For: Jwtm ;s L. & CHARLENE E. POT'I'ER u/u 331 6 M ltsœcnm Avw N. t,as Vegmq, NV 89031 TO : BANK OF AM ERIUA I4OM l( l,()ANh; 7n1Q IlclLIEI IJD:1O 7n122 (1317 .> BARBARA J. DESOER - PRESIDENT P.O. BOX 1 0227 VAN NUYS. CALIFORNIA, 91410 NEVADA 'I-ITLE COMPANY 7 U E1 5 EI Q b D il O O O 9 O O P El 3 l 9 v'''z JEFFREY T. HARRIS - PRESIDENT l 0000 W . CHARLESTON BLVD #18t1 l.AS VEGAS. NEVADA, 89135 BANK OF NEW YORK pgjrjcj gqulj gjgjg)gj ygjaa gjyjay x.,,,ee l 01 BARCI-AY ST 4W NEW YORK. NY 10286 M ORTAGE ELECTRONIC REGISTRATION SYSTEM S, INC. PO BOX 2026 7 () ln nëultl (1:1 E1 l 1L 7 P L, O37 FLIN T, M l 48501-2026 DOUGLAS C. GILLESPIE 400 .E. STEW ARR' AVE LAS VEGAS. NEVADA, 89101 Re: O riginal Loan # 103.184653 Commonly Known Address: 5721 TROPIC M IST ST. LAS VEGAS, NEVADA, 89130 Deod ofTrust Reuord: #'r20050I 3895 Reoord Date A UGU ST I , 2005 Notice of R ight to C ancel - TILA Notice to Agent is Notioe to Princi- l Notice to Principal is Notioe to Agent Parties: XIAM ES L. & CHARLENE E. POW ER (Alleged Borrowerls) bereino er Borrowertsl) - and. LENDERS Attention: BANK OF AMERICA HOME LOANS BARBARA J. DESOER - PRESIDENT; BANK OF NEW YORK. M ORTAGE ELECTRONIC REGISTRATION SYSTEMS. INC.. NEVADA TITLE COM PANY - JEFFREY T. HARRIS, PRESIDENT; DOUGLAS C. GILLESPIE and each and every un- named Sheriff's Deputyp regardless of raltk. This communioation will serve as my Notke @f Rœ- â' t'o flzzre/ dated August l0, 2010. TILA (Twth in Lendina Act. 15 USC 41601 et seq; II.fFP. Part 226) alows three (3) days to review Disclosure Documents. I.loweverm thc rclbrcnce,d t'I'hree Da.y Right to Cancel' must have a trigger to begin. lrhat triggor, i:i whon tlo LENDEW AGENT has pmvided tlw Borrower witb ALl . ortl:e required DisciLosures Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 38 of 42 under 'IV A, and Tha: thc same are truee complete, accumtea and timely provldetl. It is our belief ALL disclosllres were not accurately or clearly made. Beilg as tlle trltirtl purported loan/mortgagp process and Deod ot' 'I'rust relkrenced lerein and throughout , was clearly obtained by wrongftll acts of frat,da f'raudulelyt inducemcnty concealment, and fi-audulent misrvpresenlalion, tle borrower Ilas other recourse. rights mld cause of- action under numcrous state ald lbderal sqarutes. Acls of fraud raint/voitl everything it touchcs as thc US Suprtune Ctyul't has declared: -' There d'.v no d/zzexzftw ofthe general Jlc/rfae that-lisua yrj/la/ex the zalw sotemn ctwzrmca, dqcuments, fzrzz/ even y/zz/gvezz/A'. *' ( United SGtes v u-Yhlfzçk'molAona 98 U.S. 6 1 ). ln a case of fraud or incomplete disclosurev the right to clmcel may not even apply. since fraud cancels contracts anyrway. 'I'o this datea LENDER has never provided Bomnver with true, complete, accurato or timely documelts as required. ONLX AFI-ER such provision has been donc. can the 13 DAY RIGHT TO CANCZl7.t,' period begin. If the required fbll Disclosurets) Imve not been provided. then the period in which to C-ancel is extended for up to three (3) years. OR unlil LENDER/AGENT moves to foreclose. 'l'he records thus far evidence that JAM ES tw & CHARLENE E. POTTER has paid to Escrow Agent the sum of $433.47 I .04 fbr collection by BANK OF AM ERICA HOM E LOANS, upon receipt by Escrow Agent of the original note (wel ink signature) claimed to be held by BANK OF AMEIUCA I-IOM E LOANS. that, aqer notice and opm rtunity BANK OF AM ERICA HOM E LOANS failed to bring fonvard said note (wet ink sigpature) and failed to collat Aendere payment Under the now executed Senns of that cedain self executing contract (zmnched). BANK 0F AMERICA HOME LOANS, and alI parties agreed that BANK OF AMERICA HOM E LOANS, did not have said note (wet ink. signaturel; have brought a false claim anèl have therefore agreed to pay to JAM ES L. & CHARLENE E. POTTER treble tlamages. BANK OF AM ERICA I4OM E LOANS, have agreed under UCC 3-603, that their refusal of tender of payment is fu11 settlementi thaî tàe alleged debt of $433.471 .04 is settled in full. n erefore JAM ES lw & CIHARLENE E. PO'I'TER has requested to cancel within the s'tipulated three year time perioda while still waiting to rtxxive al Truth-in-Lending disclosures as required by Federal Law, the same of which have never been received. JAM ES L. & C ENE E. POTTER has good cause to rescind tlle alleged mortgage col/ract due to fraud by BANK OF AM ERICA HOM E LOANS. as admitted by them due to their default under the terms of said self-executing contmct. Since the agen: for JAM ES L- & CHARLENE E- POTTER has tendered payment to BANK OF AMERICA I1OM f LOANS, which tender of payment has leen dishonored by RANK OF AM ERICA I4OM E LOANS, therefore in accordance with UC'C 3-603. the purported Ioan # 103484653 is sow seteled in ful. In addition a close perusal/audit of Borrower's m ortgage documen's has revealed certain Disclosure Violations; anda that the Borrower has the remodial right and remedy (LJCC 1 -201 (32) (34))p inter aliao to invoke his Right of Rescission (ROR) as filrther evidenced by the original NOTICE OF RIGH'T TO CANCEL. 5%u will also piease find Borrower's signod and dated NOTICE to the LENDER/AGENN S), Successorts) and Benoficiary as stated on t'he NOTICE OF RIGHT TO CANCEL if provided in tlle Ioan package. If such Notice was not provideda tllis written Netice of com municatien is Rrovided in Lieu thereof. ' - :74 :.r. xu ffi ri erlt NGTII'-'E has been given to (allegtrd) LENDER. the IaENDER is required by Vsuier:t p ' .a ts rf t ( '. %-N( -. 1'( L al't!. l ittRts) and to f '.-&N 'CEI, any stturity illterest on the 144,: , e rwe' ',w fillrne w ill'l in tweofy (20) days. The I.xF> DER must al.so return any monely', J ! ! e t- ! v .+ j Cr .- . .z t e s y ?. e . . . , , x e a $ . f .'. :;.- A-' r.7%u'J- l;- J 'c '7L' 4- ! ! :!; 'c :7 71 - '= ur!l r) k'=' #1-77 r4 rl N 'VNerrl f't'l :) r: nr rrj: f) r! rl- : J . r - x' P ..z !. . i l p. w .v ? , . .:; - ik . s .l a 'k .t '.j-c.k' ..'. ;'.; ': i'l-k' i'.!rk k' . a '.k k'-k .' k ' ;' i .;7 r; 'v.k i :' h :E .E-I i k-: :' r : :'; J.ï1: 4'4 i : ) : . . . . . . . . . . ! . . . . . . . : :! . ! . . ;! . r: . . :. . . . : '. ! . ; n 1 d -. . - :- ) r.:s tl ! +t. ;' ! F'k.r D !:' P ê & f 7: F N.l '!' :)' t't'm r'h ! ieo '!.'? 'txrrz.rxx v'tr l'r! !7 ' . . . . - . . . . . - . . - . C rr d ! F) . . .' . . .f Case 2:10-cv-02095-GMN -LRL Document 17 Filed 02/01/11 Page 39 of 42 tle d' ' œ acts are dtx o' - then ht/sàeahey may oFc its 'R % Valuem.ln tlr ovY IIX LEN AG A mld fail or Imfmse to take ' Ion of 1he (x' 1lm wrr's ofrer ' ' tw (20) tlays ... D rrower may then rN aie- ea aII * *' ae x wve - tmder Federal Lw and provisions of n ç nGifie LENDER that a non- or l=' mplote nse. which shall be deemcd a non-resx nse. would > t tle on' ' torfrrustorl L. & C Ec E. Porflm GenV tto xt aa ortoajqxyint an oftlxele for= mvi of cur= tpower of attoraey and su uent 1 of fo'tle of filmg' a Full nw yanc,e of tho on'ginal of Trugt œ' 51111g- a ' ' of W of L>' of the œipna' l Moe age ins-trumenq th% fmalizing the DR 's elalm- as - -m fIZIL Addi-' x.a11y, er 1- llle n'glltlo (A œ LENDER a R lo Value. H- ever, the penalty lhat a bank cal face for violations of and otltœ and F law can be as mucb as triple damages . . 1' .e. tn'ple the of tle m' tee tbe to oFof tlm ge/loan transactionm which B OF CA LOANS.B J. DESOER- Pu m rlNl'a have to > y. fore, tle 'm ge fa'e xM ke tlle fol ' g . Y n- er will fe ' B OF RICA HOc LO> 5, BARB J. DEO ER - PRESIDENT; BANK OF NEW Y MORTAGE CN C IS TION SYS . INCO NEVADA TITLE COMP - J T. HA . PRESID any b*' 11+ mc' by Its' wrongful adions, provided BANK OF CA HOME LOANS. B ARA J. DESOER- PRRSIDENT; P'AN K OF NEW YoRKV M ORTAGE ELECTRONIC. REGISTM TION SYSTEMS. IN C= NEV.A.xD A T 1.VaLE COM P - JE T. & PltEsm h'Nr ' IIV wiedge tlut -wer has e led the full amount of tlle allese mo e bv 11.1s- of t wlllch- you dis ' tllat y@u atlmit tbatw - - ; no -i' 'oau'n was ever m zwd- e arw.,4 *'umt - -c= chl'm is void wwmuc tc. , -,'0:11-. . R-e, .vauvw-,a !,r; awdd-. .on Faorrower malces tp ,z/ @* %<< * x cme G- =e TPX-J'A nart #61 nerform RFC herei ri fliw-evlt.l w -;t-.hi- lw e-fy #-,R* k amvs .z.f F'exvlw.: shplj' ev-G ix- e 'his N gytiwv A.t-' kish: f1y i'--anwnel ,.< v a =H el a'nd Azm wt h.' e' m .M-?a ce,r pt 1,.8 p r..rs'xr rz.Il'- +.43 #.h- e 'rc rm s rr.n 2%. c9n zdiHr - !) Bt;- a s s et Cx () ex t h 1) t '.r e i1. :- z *+a . tk n :1 t #x.. r(y tl sxlxxlkx t- L' . .' i ri c e r e i.$, . ) r- I 'ç! ''t . -J' a z .! tr r ! . / . . = --- . g z' ( . s , .=Q . 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J X! ft. . ê l C. do hereby solenmly declare, that on . /4.. : oa/ 6 2010, l did cause to be delivered by Express private courier an or First Class Certified U'S M ail, a true and correct copy of the foregoing instrument, including true and correct copies of all/e--'x' 'lexe-.,m wmtq r-fhrenced therein as tvattached hereto'', to the parties and Iocations liste' Witness Signature 2 If witness is a NOTARY: Commission expires .....- . 20 I Cynthia L. Castellanos, Flotary Public, /? 331 6 M astecraft Ave, N. Las Vegas, NV 89031 RE: Notice of ltight to Cancel ïCopy to: E BANK OF AMERICA HOME LOANS g tpjppk s# cv s q wzBARBARA J.DESOER - PRESIDENT r:a ' ) /: f U CXJ';K /?) J73P.O. BOX 10227 VAN NUYS, CALIFORNIA, 9 14 10 (z 'JIG N@uty 4 t t./l- V/LJD ' Certified mail# .'-/t)al J':'7/ép JJLX c'i 633L. - -..- 'By g BANK OF NEW YORK ï 101 BARCLAY ST 4W NEw YORK, NY 10286 7 By certified maiw Vlpw/ bé'bê tbtltl hy.z t)g E CIc%Ah : $ #kx V #gkE xEvAoA TITI-E cou paxv - JEI7I'RUV 1.. 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