07-11-20 Samaan V Zernik (SC087400) at The Superior Court of California, County of Los Angeles, Court File - "Volume IV-Continued" - Evidence of Judicial Fraud On The Court and Racketeering S

Digitally signed
by Joseph Zernik
Human Rights Alert DN: cn=Joseph
Zernik, o, ou,
PO Box 526, La Verne, CA 91750 email=jz12345@
earthlink.net,
Fax: 323.488.9697; Email: jz12345@earthlink.net c=US
Blog: http://human-rights-alert.blogspot.com/ Date: 2010.10.21
22:43:32 +03'00'
Scribd: http://www.scribd.com/Human_Rights_Alert
07-11-20 Samaan v Zernik (SC087400) at the Superior Court of California, County of Los
Angeles: “Volume IV Continued”
The record herein is a copy of the Court file in the caption referenced above, as received from the Office of
the Clerk on November 20, 2007. Page numbers and a footer were added to the record for ease of reference.
In October 2007, after almost two years of the pretense litigation, during which Defendant and his counsel
were denied notice and service of court minutes, orders, and judgments, and also denied access to the paper
Court file, Defendant filed and appeared in Ex Parte Application before Supervising Judge GERALD
ROSENBERG for access to the paper and electronic court files – to inspect and to copy. Judge
ROSENBERG conducted the proceeding in a dark courtroom, behind closed doors. During the proceeding he
informed Defendant that the court file included at that time six volumes, and he eventually agreed to permit
Defendant access to three of the volumes. Access to the electronic court file in SUSTAIN – the court’s case
management system - was denied under the false claim:
“Sustain is privileged – for the Court only”.
However, at the end of the proceeding, Supervising Judge Rosenberg demanded that Defendant withdraw the
Ex Parte Application, which had already been filed with the Clerk of the Court. When Defendant refused, two
armed Sheriff Deputies engaged in physical harassment of Defendant, in attempt to plant the paper on his
body, in what Defendant at the time perceived as a life-threatening incident.
The proceeding and its aftermath were also noted for the following:
1) Judge ROSENBERG failed to create any record of the proceeding.
2) Judge ROSENBERG deceived Defendant regarding the number of court file volumes held by the Court at
the time. The court file in fact held at the time seven volumes. One of them, “Volume IV Continued”
was discovered only later. It was created out of any chronological order, and included various particularly
incriminating records, including, but not limited to:
a. Large volume of records filed by Countrywide Financial Corporation, which appeared in the case
under the fraudulent party designation of “”Non Party”, while the Court interchangeably
designated it in its records “Plaintiff”, “Defendant”, “Cross –Defendant”, “Intervenor”, “Real
Parties in Interest”, and more, all with no legal foundation at all.
b. Records pertaining to a pretense Summary Judgment proceeding conducted by Judge
JACQUELINE CONNOR on August 9, 2007.
3) Defendant consequently filed a complaint with Presiding Judge J STEPHEN CZULEGER regarding
conduct of Supervising Judge ROSENBERG. Presiding Judge CZULEGER referred the complaint to
Assistant Presiding Judge CHARLES MCCOY, who in turn referred it to Supervising Judge Rosenberg
for review. Supervising Judge ROSENBERG found no basis for the complaint.
Samaan v Zernik as a whole was alleged as pretense litigation, and part of a pattern of racketeering activity at
the Los Angeles Superior Court.
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1 / 745 j
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
j
THIS VOLUME IS
CLOSED
FILENO MORE
PAPERS IN THIS
VOLUME AFTER
_J · 2\[;-07
VOLUME CLOSED
2 / 745
Joseph Zcrnik
In Pro Pcr
320 S. Pcck A\enuc
Be\ crlv Hills. Cali fornia 90212
310-43'5-9107
5
6
SUPERIOR COURT OF THE STATE OF CALIFORNIA
7
FOR THE COUNTY OF LOS ANGELES
R
9
NI VIE S!\M!\AN. an individual. ) Case No. SC087400
10 )
Plaintin~ )
1I
) Assigned/or all purposes to the Honorahle
) .Jacqlielillc COIl170r
12 )
JOSLPI-I/ERNIK. an individual. and DOES ) DEFENDANT .JOSEPH ZERNIK'S

13 I through 20. inclusive. )
) OPPOSITION TO PLAINTIFF NIVIE
14 ) SAMAAN'S MOTION FOR SUMMARY
Defendants. ) JUDGMENT; MEMORANDUM OF
15 )
POINTS AND AUTHORITIES IN
.I0SEPII/LRNIK. an individual. )
16 )
SUPPORT THEREOF
Cross-Complainant. )
17 ) l Filed Under Separate Cover:
v. )
I. Declaration of Joseph Zernik:
18 )
) I Evidentiary Objections:
COLDWELL BANKER RESIDENTIAL
19 ) 3.
Separate Statement of Disputed Facts 1 I
BROKERAGE: MICHAEL LIBOW. an )
20 inuividual. )
)
Hearing:
21 ) Date: August 9. 2007
Cross- Dckndants.
) lime: 8:35 a.m.
II )
Place: Department "WE-I"'
)
)
)
Trial
24 ) Date: September 7.2007
)
)
Time: 9:30 a.m.
) Place: Department "WE-I"
26 )
-~---------- ---- ---------- --)
27
Opposition hJ \lotiol1 for Summar) Judgment

3 / 745
Court File: "Volume IV Continued" Case '\0 5C087400
;\lEMORANDUM OF POINTS AND AUTHORITIES
') I. INTRODUCTION
3 This case il1\ohes plaintiffs fraudulent attempt to purchase defendant"s home and
-l her subsequent non-performance and breach of the standard residential purchase and sale
5 agreement. The facts recently uncovered in this case reveal that plaintiff fraudulently
6 induced defendant to enter into the purchase agreement. she then fraudulently induced him
7 not to cancel th~ agr~ement atkr she failed to remove her loan and appraisal contingency in a
8 timely manner and finally she failed to remove the appraisal contingency leaving defendant
9 \\ ith no choice but to cancel the agreement. Despite plaintiff s repeated acts of fraud. she
10 now seeks to shift the blame for her non-performance to defendant. Plaintiff claims that
11 defendant \\as somehow required to sign her initial offer and that his alleged failure to do so
12 in a timely manner. unbelievably caused her to be unable to obtain a purchase money loan
13 for the property. In reality, Plaintiffs arguments fail for numerous reasons: (J) plaintiffwas
l-l not ready \\illing and able to perform her obligations under the contract: (2) plaintiff
15 fhilldulently induced defendant to enter into the contract- thereby prohibiting her from
16 prevailing on her specific performance claim and (3) the timing, authenticity, and
17 requirement of ddcndant" s initials on pages 1 though 8 of the purchase agreement created
18 material issues of disputed fact.
19 Beyond the legal arguments, this Court should not grant specific performance because
20 of the following three categories of material issues of disputed fact:
21 I. Whether ready willing and able to perform under the contract

II Whether Samaan fraudulently induced Zernik to enter into the contract
23 Whether Zernik had a right to cancel escrow on October 21. 2004.
The three categories of disputed facts listed above. are just an oveniew of the material
disputed facts. Each contains a subset of disputed facts. like whether Samaan would ever be
26 appron:d for a loan for the Property. which are set forth in more d~tail in the statement of
27 facts and the accompanying separate statement of disputed facts. This case has so many
28 dispukd facts and inconsistencies presented by Samaan that it is difficult to establish any
4 / 745 -1 Opposition to \lotion for Summar! Judgment

Court File: "Volume IV Continued" Case :'\0. SC087-iOO
II
internal Iv consistent \ersion of the facts.
) This Court has already ackno\\ledged the difficulty in dealing \\ ith the factual issues
3 in this case in ib ruling on Defendant's motion to expunge lis pendens, \\ here it reasoned
-l and held. alter conducting an initial re\ ie\\ of the facts in this case that ·'there are too mam'
5 {actual issues that cannot be decided here, including whether SA JIAA X was 'reatlv,
6 willing and able' to proceed with the purchase of the propertv. " (Emphasis added). C\cal).
7 this prior ruling. indicates that the Court has already determined that. at the \ery least. there
8 arc material issues of disputed fact relating to whether Samaan \\as ready. willing and able to
9 proceed with the purchase of the Property. Samaan's moving papers present no additional
10 evidence to suggest that any of those factual disputes have been resolved in such a way to
11 allO\\ this Court. just over t\\O weeks later. to make findings contrary to its July 23.2007
12 ruling that material disputed facts exist concerning Samaan's ability to rerCorm.
J3 In addition to the disputed t~lcts that the Court has already identified regarding
14 Samaan's ability to proceed with the purchase of the Property. material disputed facts exist
15 concerning Zernik's cancellation of escrow for the property. Samaan has repeatedly asserted
J 6 that Zernik cancelled escrow on October 25. 2004. However. in her deposition she admitted
17 she received Zernik' s cancellation on October 21. 2004. 7emik cancelled escrow on
18 Octobcr.21. 2004 (not October 25. 2004) because Samaan refused to remove her
19 conting~ncies in a timely manner. Nevertheless, the parties dispute \\hether escrow was
20 cancelled on October 21. 2004 or October 25. 2004. which is a material fact in this case.
21 Before addressing the other facts in this case. it is important to understand the various
')'") documents making up the form sale agreement for the property provided by the California
23 Association of Realtors. As \\ ith any contract. the form used by the California Association
24 of Realtors is designed to create a binding contract based on mutual assent through an offer
25 and an acceptance. Indeed. the initial offer is presented by \\(lY of the form called the
26 "California Association of Realtor's Residential Purchase and Sale Agreement and Joint
27 Escm\\ Instruction'· (the ··Initial Offer"). If accepted. the Initial Offer becomes the cQ.!lli~ct
- _. ---~ - ... _._---_ .• ~._- -
28 for sale. J\lternatiH:lv.
. the seller has the ability. to send a counter-offer to the buyer.
. If the
--
5 / 745 Opposition to \!otion for Summar: Judgment
-2
Case )Jo SC087400
/1
counter-otTer is accepted. a binding agreement is also created. There is no limit on the
") number of counta-offers. but each counter-offer presents the counter-offeree \\lth the
3 opportunity to accept. As \\ ith all other contracts, as soon as a counter offer is presented the
4 prior offer becomes null and void. or can be incorporated by reference. In any event. like
5 other contracts. there is never any obligation to sign the Initial Offer after a countcr-offer is
6 made.
7 Nevertheless. the terms statcd in the Initial Offer arc generally incorporated by
g reference through subsequent counter-offers. so they do play (] role in the transaction. The
9 terms of the initial offer are designed to spread the risks associated \\ith the purchase and
10 sale of real property amongst the varIOUS parties. Indeed. the seller is responsible for
11 delivering various disclosures and making the subject property available for inspection,
12 \\hile the buyer is responsible for removing all applicable contingencies. which often
13 includes a loan contingencv. In other \vords. the closing of escrmv is often contingent on the
...... .I ...... '"
14 buyer being able to obtain a purchase money loan forthe property. The buyer has the option
15 to obtain a loan from the lender of her choice. Because of the loan contingency. the seller
16 bears the risk that the buyer may not be able to obtain the loan and may cancel the sale.
\7 Therefore. the contract requires the buyer to provide a pre-qualification letter within seven
1R days of acceptance of the buyer's offer and to remove the loan contingency \vithin seventeen
19 days of acceptance of the offer. During these initial \7 days. the seller is not privy to the
20 buyer's efforts to obtain a loan for the purchase of the property. Thus. even though the
2\ ability to close the entire transaction may be contingent on the buyer's ability to obtain a
T) loan. seller is kept completely in the dark on buyer's efforts and abilit J to obtain the loan.
The only reassurance the seller has is the pre-qualification letter. \\hich is required to be
24 presented to the seller in good faith.
lkn:. as is typical in such a transaction, defendant \\as \\holly un(mare of plaintiffs
26 etTorts. or lack thereoL to obtain a loan and the false nature of the pre-qualification 1ettcr she
27 presented to defendant. During escrow Plainti tT repeatedly represented that she \vas able to
8 obtain a purchase money loan for the Property. However. through recent discovery obtained
6 / 745 Opposition to \Iotion tor Summary .Iudgment

-3
Case \;0. SC087.+00
from plaintiffs potential lender. defendant has learned lhat plaintiff induced him to enter into
! his contract through tJ·aud. Defendant has also learned that plaintiff \\as not diligent in her
3 efforts to obtain a loan. she \\as ne\t:r approved for a loan. and had an inability to obtain a
..+ loan for the property. Plaintiff continued her fraud when she induced defendant not to cancel
5 cscnm at an earlier date by repeatedly misrepresenting that she \\ould he approved for a
6 loan. r\cntually. nearly three weeks after the deadline for plaintiff to remove her loan and
7 appraisal contingency had passed. defendant iss lied a notice to rerform and ultimately
8 cancelled escrow. ;\ year later. after the subject property had signi ficantly increased in
9 value. plaintiff filed the underlying action for spccific performance as a part of her ongoing
I() effort to wrongfully deprive defendant of his interest and equity in his property. Further.
II plaintiff now seeks to shift the blame to defendant through her suggestion that he \vas
12 somehO\\ required to sign and initial the plaintiffs initial olTer which \\as incorporated by
13 n:ference via both parties' subsequent counter-offers.
14 Plaintifr has not and cannot prove that there are no triable issues of material fact as to
15 the ckments of and/or that she is entitled to judgmcnt as a matter of la\\. Therefore. this
16 court should deny plaintitrs Motion for Summary Judgment.
17 II. STATEMENT OF FACTS
18 A. Samaan Fraudulently Induced Zernik to Enter Into An Agreement to Sell

His Home
19
20 1. Samaan Submitted an Initial Offer Based on :vIisrepresentations
In or ahout .July 2004. defendant Joseph Zernik C"Defendant") enten:d into a listing
'I agrc-:ment \\ ith his real estate broker. Michael Liho\V C"LibO\\") of Coldwell Banker
Residential Brokerage to list his real property located at 320 South Peck Drive. Beverly
Hills. California 90212 (the ""PrOpCr1) .. ) for sale. Shortly after listing the ProplTty for sale.
plaintiff ).ii\ ie Samaan ("'Plaintiff') submitted an otTer to purchase the Property for
26 Sl.670.000. From the outset of this transaction (the presentation of this initial offer) PlaintitT
27 fraudulentl) induced Defendant to enter into an agreement to sell his house. Indeed. at the
28 time Plaintiff submitted her otTer. she aHirmatively represented that she was representing
Opposition to \!otion for Summar) Judgment

7 / 745 --t-
Court File: "Volume IV Continued" Case :\0. SC087400
hersdf in this transaction because she \\as an experienced. licensed real estate agent. Later.
she stated "\1y apologies if I miss spoke on my voicemail message to you earlier. 1"m a
3 health & Beauty Consultant by profession. but have a Real Estate license and sell a fe\v
-+ properties a year.·· ([x)(2) Then. during her deposition. shc further recanted her
5 representation hy explaining that she had never sold any property at all. Zernik DecL ~)f:37·
6 (Exhibit_l_ ~
7 Defendant did not accept Plaintiffs initial offer for many n:asons. Dd'endant was
8 primaril~ concerned about the validity of an offer from a real estate agent representing
9 hersel f. Indeed. Defendant preferred to entertain 0 tTers from potential buyers who were
10 represented by independent agents or brokers. lHnlf Oed il G t.)(hll:7lt r An offer
11 presented by an independent real estate agent or broker has the advantage of being evaluated
12 and veri lied hy a third party before being presented to Defendant. In addition. several of the
13 terms of the olTer were not at the level Defendant desired. For l'xample. PlaintitTs otTer had
1-+ a very low initial deposit of $10.000 for a purchase of 51.670.000. which represents .59
15 percent of the total purchase price, which is far below the standard 3% initial deposit. This
16 10\, initial deposit indicated that Plaintiff knew that she did not have the tinancial capability
17 to proceed with the purchase and wanted to leave herself the abilitv to back out of the
18 purchase agreement at a minimal cost.
19 2. Plaintiff Obtained a Fraudulent Pre-Qualification Letter From Her
Fiance's Cousin
20
21 Defendant expressed his concerns about Plaintiffs initial offer to Libow \,ho
!") suggestl'd that Defendant obtain a pre-qualification letter from Plaintiff. Libow maintained
23 that a prequali lication letter \Yould provide extra assurances that Plaintiff would have the
24 financial ability to purchase the Property. Therefore. on September 7. 200-+. Plaintiff
informed Libcm that "My lender should be faxing a letter about my qualification'"
26 LE?rn \f OC?<....\· 11_ ~ c-x..\ \\'lIt "t. . In reality. Victor Parks. Plainti ff s purported mortgage
27 loan broker (1101 her lender) sent a facsimile to LibO\\ wherein he claimed that Samaan had
\\. \ IlCC,CJC, .co
28 been "pre-qualified to purchase a $1.700.00 home \\ ith 80! 10 1() linancing'"
Opposition to \lotion for Summary Judgment

8 / 745 -5
Court File: "Volume IV Continued" Case \)0 SC087~OO
.~\\''J
g:Vf\ 1 11~ vt N ..l~xhibi[ 12. (September 7. :2()O~ Prcqualitication Letter). At that time.
Lernik belkved that Samaan had been pre-approved by an independent broker. In reality.
3 I Samaan never disclosed to lernik that Parks \vas her then tiance"s cousin. Zanik \vould also
~ discover. through Libo\\. that certain facsimile transmissions that \\ere believed to be sent to
5 Parks \\ere actually forwarded to Samaan's facsimile machine. t;~~\-:::o_~rr\t-Dt.~~~.<i:'1
6 LibO\\ even asked Parks about the t~lCsimiks that were being fraudulent diverted to
7 Samaan's personal t~lcsimile machine. only to have Parks refuse to ans\ver any questions
8 regarding those facsimiles. Additionally. throughout this entire case. there has been no
9 documentary evidence to support any claim by Parks that he reviewed Plainti ffs "\vrittcn
I0 application and credit rcport"" as he was required to do by section 2( (J) of the Purchase
II Agreement. Therefore. there is significant doubt as to \\hether Parks actually performed an
12 independent investigation as to the validity and authenticity of his prequalitication letter.
13 Surely. had Parks actually performed a valid prequalitication. he would have discovered that
14 Samaan \vould not be able to obtain a purchase money loan for lht: Propt:rty.
15 3. The Parties Exchanged Counter-Offers Nos. 1 and 2
16 On or about September I O. :200~. Defendant submitted a counter-ofkr to Plaintiff
17 (C ount~r-() ITer No.1). 2e,a \ t- \;e(,.~1 \\ . Th~ terms of the offer. among others.
18 incn:as~d the purchase price to $1.718.00 and provided for an initial deposit of 3% of the
19 purchase price or $51.540. On or about September I L 200~. Plainti ff accepted Counter
:20 Offer No. 1 subject to the terms of Counter-Offer No.2. which she purportedly attached to
:21 her acceptance. The materially different terms of Counter
II Otfer No.2. prO\ided for an initial deposit of 515.000 with an increased deposit of an
additional $15.000 to be deposited within 14 days. However. paragraph I of Counter-Offer
:2~ No.2 also stated that ..the terms and conditions in the above referenced document [the
Ca I ifornia Residential Purchase Agrt:ement (the Initial 0 ffer) I are accepted su~iect to tlte
26 following ..... (Emphasis Added). \~hili\!;V'v\.-i (Counter Offer No.2). In other words. the
27 terms of Counter-Offer No.2 incorporate by r~ference Samaan's Initial Offer.
28 8\trer d\:o-(L\1eJ fOCi'; iC\y\c·\,!1t:J.. In
IV\C?u\:J \ \ i \ ~\.\(Y\,' r~ (. '/\ N.) \c-rc( ,e
ul ""mEr-lUI tel (\5..
2ern \~' '; ',.E:~eraT:; s,.ICtte(IILI'\'\ ./, C\do mcn
9 / 745 Opposition to :Ylotion for Summar: .rudgment
-6
Court File: "Volume IV Continued" scosnoo
Ca~e '\10
.... Plaintiff Confirmed Receipt of a Fullv Executed Acceptance
3 On September 15. 2004. Defendant accepkd Counter Offer No. 2 by signing

4 Paragraph 6. Defendant then facsimiled a copy of his acceptance to Pia inti ff. On Septcmbcr
5 16. 2004. Samaan initialed the "Confirmation of Acceptance" and facsimiled a copy of her
6 ackno\\ kdgment of acceptance to Defendant. Indeed. Plaintiff contirmed ..;\ copy of
7 Slgncd Acceptance was personally received by the maker of the Counter Offer. or that
8 person's authorized agent." In other words. Plaintiff eontirmed that she had received aful~v
9 executed acceptance from Zemik. Zemik was under no obligation to go back and sign and
10 initial Samaan's initial offer because it was incorporated by reference into Counter Offer No.
11 :2 and it was superseded by Counter OtTer No.2.
12 B. Plaintiff Committed Fraud and Breached the Purchase Agreement before

13 Defendant Canceled Escrow
14 III
III
15
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16
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17
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18 III
19 III
20 III
21 III
22 III
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26 III
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10 / 745 Opposition to \Iotion for Summary Judgment

Court File: "Volume IV Continued" -7
Cbe '\0. SC087-100
1. Plaintiff Breached the Contract at Virtually All Instances, Starting
')
with the Initial Deposit
3 Paragraph 2 (a) of the Purchase Agreement as modified by Counter Offer No.2
4 required Plaintiff to provide an initial deposit of $15.000 "\vithin 3 business days after
5 Acceptance:' Defendant accepted Plaintiffs Counter Offer No.2 on Wednesday. September
6 15. 2004. Therefore. Plaintiffs initial deposit \\as due on Monday. September 20. 2004.
7 PlaintilI hO\vever. did not even attempt to make the initial deposit until September 27. 2004.
8 (7 days atkr she was required to do so) \vhcn she presented a check pre-dated to September
9 24. 2004. L:H\'\ \.j \ II \l\ ~\ N3c ,:: IMara Escrow Trust Receipt No. 64555). Mara
10 Escrow deposited the check but on two separate occasions the check was rejected for
11 insufficient funds. lernlt \k-l"\'\\ \1.\ \)\N'.b·::;iDdendant was not inftm11ed of these events
12 until much later. ID.
13 On October 4. 2004. after Mara Escrow contacted Plaintiff regarding the fact that
14 checks failed to clear due to insufficient funds. Plainti ff presented a cashier's check for the
15 initial deposit. .2t:::'\(Ilr tcc.I'1\ \l:? ~N3b·-.;1 However. by October 4.2004. Plaintitrs initial
16 check \vas already 14 days late. And. Plaintiffs second deposit of $15.000. per the tcrms of
17 Counter Offer No.2. \vas also overdue. Her second deposit was due within 14 days of
18 acccptance or on September 29. 2004. PlaintitT did not actually present her second deposit
19 until Octobcr 12. 2004. 27 days after acceptance and 13 days late.
20 2. Meanwhile, Plaintiff Continued to Misrepresent Her Ability to

Obtain a Purchase Money Loan
21
22 Despite PlaintitTs near continuous misrepresentations regarding the status of her loan
7"
_J application. the t~lCts reveal that Plaintiff was never approved for a loan and delayed in her
24
own actions. Section :2 of the Purchase Agreement expressly required ""buyer to act
') -
-)
diligently and in good faith to obtain the designated loans." (Emphasis added). However.
26 the documents produced by Country\\ide indicate that Plaintiff did not act in good faith or
27 diligently to obtain the necessary loans. Indeed. the documents produced by Countrywide
28 reveal that by October 14.2004. Samaan's loan application \vas already drawing red Hags at
11 / 745
Court File: "Volume IV Continued" Opposition to ~lotion for Summar) Judgment
-8
Samaan v Zernik (SC087400) Los Angeles Superior Court C~JSe 1\0. SC087.+00
Count) \\ ide. From the outset. Country\\ ide's Clues Analysis Repo11 ("Clues Report") and
') UndenHiting Decision 1,etters ("Underwriting Letters") tlagged signi licant problems with
3 Plaintiffs loan application. These undisclosed probkms included. among others, the
t'oJlO\\ing:
5 • The Clues Report indicated that "Reduced documentation is not allo\-\ ed on a Non
Conforming Mega Loan ...... The max loan amount is $1.000,00 on Non-Conf ARM
6
fixed Period ... " .2t'TCd \:;eeJh\ \:;>rN 31 AI IN OTHER WORDS, PLAINTIFF
7 HAD APPLIED FOR THE WRONG TYPE OF LOAN.
-4l6rn 1t- ~d ~ \)\1'12\ (October 14 Clues Analysis Report)). THEREFORE,
g
PLAINTIFF'S LOAN APPLICATION WAS COMPLETELY INVALID.
9 Samaan never submitted an additional loan application to Countrywide.
lcf\"l\I. txe\ ~\ PI N 2 \. ":.\::; ::,(
10
I1 • The Clues Report indicted that Plaintiff did not have the 6 months reserves required
for the loan she applied for. Od., ._~ 0) \)fN 2\, 30':$1
12
13 • The Clues Report issued a REFER determination because of the numerous
probkms \\ith Plaintiffs loan application. (ld~
14
• /\ Countrywide Underwriting Decision Letter of October 14, 2004 required Samaan
IS
to resubmit valid Uniform Loan Applications ( 10(3) with the correct interest rate
16 applied to the requested loan and following the true and correct loan program
guidel ines, which she never did. (~N2\\J~ -3l)
17
18 • Samaan, a newlywed. had represented her marital status as unmarried on her loan
application. (YfN~\3b-=3, 1)
19
20 • Samaan had stated on her loan application that she was self-employed and received
no other income. despite the fact that she \vas a cosmetic saleswoman at Barney's
21 Department Store and not merely a rcal estate agent. (I)r N }LI. 3c ··1
22
• Samaan had claimed that she had four years at her job. hut her corporation \-\as
crt:ated less than a year carl icr. (1)FliJ? (3 t: --31)
• The duly assigned underwriter insisted that Samaan prm ide an ans\\ IT to the type
of business she \\as engaged in, but she never responded.
26
• Samaan \\ as required to show documentation that she had access to a jointly owned
27 bank account with her mother. which she never did.
28
12 / 745 Opposition to lv10tion for Summar;. .I udgment

Samaan v Zernik (SC087400) Los Angeles Superior Court Case \0. SC087400
• Sumaun's muin asset. Spellbound Corporation. \vas formed less than a year earlier.
and yet she represented that it as a $500.000 asset. \\ hich she ne\ er provided a
financial statement to substantiute.
3
Throughout the entire loan application process. Plaintiff never disclosed the problems she
)
\\ as huving obtaining a loan. Instead. she consistently represented that the Inan \vould be
6 funded. However. nothing could be further from the truth.
7 The most tLlling misrepresentations regarding the status of Samaan's loan application
8 can be set:n through a simple comparison betvvcen statements Parks made in emails to Libovv
9 versus the actual status ofSamaan's loan. as sho\\n by documents produced by Countrywide.
10 Consider the following:
I1
12
• September 28, 2004: ··the loan for Ms. Samaan begun today!! We've ordered
IJ escrow. title & appraisal and estimate tinal loan approval \\ ithin 10 days'"
14
• October 5, 2004: "We will be ready to submit for loan approval tomolTo\v"
15
16 • October 7, 2004: "Plcast: allow J business days for loan approval"
17 • October 8, 2004: ·· ..to notify you that Samaan loan has het:n submittt:d to the lender
today. Please allow J business days for Loan Approval.
18
19 • October IS, 2004: ..... received your message yesterday afternoon and checked
with the lender. The Samaan loan is still in underv,riting and should be approved
20
by Monday [October 18]. l"1I contact you if\ve get approval any sooner'"
2\
• October 18, 2004: "We have conditional loan approval for the Nivie Samaan loan.
We are in contact with Ms. Samaan for the borrower conditions and escrow for
some items needed from them. We should be in a position to order loan documents
\\hen the appraisal comes back from re\ie\\ by the end of the \\eek [October 22.
2004]:'
25
• October 19, 2004: Parks Statement: .' ... the loan is approved ... ·· "r should have
26 the [appraisal j review due Friday [October 22. 20041 ... ··
27
• October 22,2004: "We're experiencing phone problems. so \\c ha\en't been able
28 to receive call or faxes'" "r spoke with Country\\ ide a few minutes ago and they
13 / 745 Opposition to 'lotion tor Summar~ Judgment

Court File: "Volume IV Continued" - I0
Case \:0. SC08/-lOO
state the appraisal is still in rcview, but they're going to try to get a verbal ok for me
so I can inform Ms. Samaan that iI's alright to release the appraisal contingency'"
3
4 The true facts regarding Samaan's loan application are vastly difkrent. Indeed, in
5 Parks' O\\n declaration he contradicts his earlier emails when he declan:d that he did not
6 submit Samaan's loan application until October 12, 200-J.. Thus, the tirst four statements
7 above were absolutely false. And, the documents produced by Countrywide contradict
8 Parks' statement that he did not submit Samaan's loan application until October 12, 2004,
9 because on October 6, 2004. Countrywide

_ \\as alreadv conductin o an investioation
~ b ~ of ~
10 Samaan based on her suspect loan application. By October 14. 2004. Samaan' sloan
11 application had been suspended until she submitted a valid loan application (for the correct
12 loan program) and she satistied approximately 14 other conditions. Thus, Parks had no
13 reason to represent to Zernik that Samaan' sloan \vas anywhere ncar approval. Indeed, in
14 Parks' declaration he states that "on Friday. October 15. I lcarned that the lender,
15 Countrywide, \vas suspending a decision on the loan..... In other words. Parks now states
]6 that he learned that the lender had suspended a decision on the loan, yet at that time he is
17 misleading 7ernik into believing the loan would be approved on October] 8. 2004. Missing
18 from these emails.prior to October 22, 2004, is any mention by Parks of the need for 7ernik
19 to sign or initial Samaan's initial offer. Further, even if Parks' statements an: taken to be true
20 for sake of argument (they are not true), on their face they show a pattern of
21 misrepresentations and delay by Parks and Samaan designed to induce Zernik not to cancel
I) the contract at an earlier date.
23 Most telling, is the fact that on October 25, 20G..+' \!1cLaurin issLled a referral of
24 Plaintiffs loan application to the Division Undervvriting Support - Demetrio Gadi -- for an
25 exception request after Samaan' s loan had still not been approved despite Parks'
26 representations otherwise. There is no indication from thc documents produced by
27 Countryvvide that Samaan's loan was ever approved. Nevertheless. Plaintiff continued to
28
14 / 745 Opposition to "-'lotion for Summar: Judgment

Court File: "Volume IV Continued" - I 1
Case \0. 5C087400
induce Dekndant not to cancel. when she stated that the loan either had been or would be
! approved in the near future.
3 3. Samaan Failed to Remove the Appraisal Contingency in a Timely

-\. Manner
5 Paragraph 2(J) of the Purchase Agreement required the buyer (Plaintiff) to remove the
6 loan and approval contingency vvithin 17 days of acceptance. PlaintitT chose to ignore this
7 deadline.
8 On October 18. 200..1-. after Defendant had been more than patient 111 waiting for
9 Plaintiff to remove her contingencies. Defendant gave the plaintiff 24 Hours Notice to
10 Perform provided for in paragraph 14 C(l) and (4-). Two days Iater. on October 20. 2004.
11 Plaintiff absolutely refused to remove the Appraisal Contingency by stating that she "will not
12 remove the appraisal contingency unti I I have received lhe lenders (sic) noti lication that the
13 value or the home is justified." rfN ~\ ,:3;c-31 I H. IS_c_·_~. Consequently, on October 21,
I-\. 2004 at I 1:30 a.Ill .. Defendant cancelled the Purchase Agreement and escrow. (Exhibit ).
15 In Plainti 1'1' deposition. she even admitted she received Defendant's cancellation on October
16 21.2004. (Zernik Decl. deposition of Samaan. 68:20-21).
17 Despite the fact that Defendant had already cancelled escrow, PlaintilTchose to ignore
18 .
the cancellation and continued to trv to negotiate
'-
with Defendant's broker to have Defendant
19 reinstate escrow. Eventually. on October 25. after escrow had already been cancelled by
20 Defendant. Plaintiff removed the appraisal contingency. Her removal camc 23 days alter she
21 was required to do so per the terms of the purchase agrcement. 6 days aftcr her time to
22 perform pursuant to the notice to pcrform had expired and ~ days atter Defendant had
23 alread: cancelled escro\\.
24
III. DISCCSSION: SAMAAN IS NOT ENTITLED TO SUMMARY JUDGMENT

26 A. Samaan Was Not Ready, Willing and Ahle to Proceed with the Purchase
27 of Zernik's Home
28 ../\ Buyer seeking specific performance of a contract for the sale of realty has the
15 / 745 Opposition to :'vlotion tor Surnmar~ Judgment

Samaan v Zernik (SC087400) Los Angeles Superior Court Case ~o. SC087400
burden of both pleading and proving that he \vas ready. \\ illing and able to perform the
J contract." Am-Ca/ Investmel1l Co.. Inc. v. Fait (1976) 255 Cal. App. Ed 526. 539. And."A
3 purchaser \\ithout funds of his own ma) show that he\\as ready and able to pay the purchase
..J. price because he had made arrangement to borrow the required funds from a lending
5 institution or from a third party. but if he relies upon the negotiation of a loan from a third
() party. the buyer must prove .... That the third party \vas legally bound by contract to advance
7 the funds ... ". In other words. for Samaan to prevail on her specitic performance claim she
8 must prmc that she was ready. \villing and able to proceed with the purchase of h:rnik's
9 home and that her lender was bound to advance the funds to her.
10 L Samaan Was Not Ready and Able to Proceed with the Purchase of
the Property.
I1
12 Throughout all of the pleadings and discovery. as set forth in great detail in the
13 statt:ment of l'acts above. Samaan has been unable to present an internally consistent version
l-l- of the lending process \vhere she actually is qualified for a loan. In other ·words. she cannot
15 show that she \\as ready and able to proceed with the' purchase because she cannot sho\v that
16 a third party \\as legally bound by contract to advance the funds necessary (approve her
17 loan) at the time lernik cancelled the contract. Note. Samaan did not have to obtain a loan
18 from Country\\ide. she was free to choose any lender. Nevertheless. the documents
19 produced by Countrywide indicate that she \vas not approved for a loan.
20 2. Samaan Was Never Willing or Able to Proceed with the Purchase
21 of the Property
22 At each step in this transaction. the facts indicate that Samaan \\as not \\illing to
23 proceed \\ith the purchase of the Propert). There are numerous examples of her
24 I UI1\\i II ing~ess to proceed \\ ith the purcha.s~ of the pr~pert:. Consider. the fOll,m\in g : !'
25 ( I ) Samaan ReqUlred a LO\\ 1I1ltIal DepOSIt r 0 AJlO\\ Her to l ancel \\- Ithout
Substantial Penalty: The initial deposit was just .59% of the purchase price, the
26 standard amount is 3% of the purchase price.
27
(2) Samaan Attempted to Unilaterallv Change Zernik's Acceptance Date: After Zernik
28 accepted Counter-Offer No.2. the next day Samaan contacted escro\\ to try to
16 / 745 Opposition to \lotion for Summar;. Judgment

Samaan v Zernik (SC087400) Los Angeles Superior Court Case 'Jo. SC087-WO
change Zernik' s acceptance date for one \veek. despite a provision in the contract
requiring the parties to agree to any material changes in writing.
3 (3) Failure to Provide Initial Deposit in a Timelv Manner: Samaan was required to
deposit her initial check for $15.000 \vithin three business days of acceptance. by
4 September 20. 2004. Samaan' s initial deposit check \\as returned for insufficient
5 funds on t\\o separate occasions. Samaan did not actuall~ provide a valid check
until October 4.2004. 14 days late.
6
(4) Samaan Failed to Provide the Second Deposit in a Timel" Manner: Samaan's
7
second deposit of $15.000 was due on September 12. 2004. Samaan did not
8 attempt to provide that deposit until October 12. 2004. 13 days later.
9
These are just a few of the numerous instances indicating that Samaan either vvas unable to
10 proceed with the purchase of the Property per the terms of the contract. or she simply was
1I
unwilling to do so. Either way. these facts prevent Samaan from obtaining summary
12 judgment as a matter of htvv. because she cannot establish. by undisputed fact that she \vas
13 ready willing and able to proceed with the purchase of the Property.
14
B. Plaintiff Fraudulently Induced Zernil5.'s Assent to the Contract
15
In Defendant's Ansvver he pleads unclean hands and fraud as aftinnative defenses to
16
17
Plaintiffs breach of contract and specific performance claims. "Specific performance cannot
IX be enforced against a party to a contract. ... if his assent was obtained by the
19 misrepresentation. concealment. circumvention. or unfair practices of any party to whom

performance would be due under the contract. or by any promise of such party which has not
20
been substantially fulfilled." Civil Code § 3391 (3). It is axiomatic that a party who seeks
21
to invoke a court's eyuitable power must come to court with clean hands. See. e.g., Gavina v
22
Smirh ( 1(44) 25 C2d 50 I. 154 P2d 681. The concept of unclean hands. however. is broader
23
24 I than the statutory language of ~3391 (3) and includes any unconscionable conduct that
; prejudices the other party. Soon v Beckman (1965) 234 CA2d 33. 44 CR 190.
-)
"'Where a party calls for specitic performance. he must. as to every part of the
26
transaction. be free from every imputation of fraud or deceit.' and 'must shO\v that his
27
conduct has been clear. honorable. and fair. ... Kelly v. Central Pacijic Railroad Co. (1888)
28
17 / 745 Opposition to \1otion for Summary Judgment

-14
Case No. SC087400
7~ Clli. 557. 563. In Kelly. the Court \vent on to explain the concept of fraudulent
inducement in the context of a specific performance action as fo\lc)\\s:

3
I t' the misrepresentation \\as intentional. and made for the
purpose of deceiving the vendor [sdlerJ. and the vendor rdies
5 upon it. and was deceived by it. and would not have entered into
the contract but for the fact that he was so decei\ed. then \\e
6 think a court of equity will not enforce the contract. \\hether it be
accompanied by damage or not. So far as this kind of suit is
7
concerned. such a misrepresentation is material although not
8 accompanied by damage.
9 /£1. at 561. In other \\ords. specific performance cannot be granted \\here the buyer
10 fraudulently induced the seller to enter into the contract.
11 I len~. as set forth in great detail in the statement of facts. Samaan committed countless
12 acts of fraud to fraudulently induce Zernik to enter into the contract. The most salient
13 example of Samaan"s fraudulent inducement of Zernik rclates to the prequalification letter
I~ submitted on behalf of Samaan. On September 7. 2004. Samaan submitted a pre
IS qualification letter to lernik (via Michael Libmv) because Zernik had expressed concern to
16 his agent regarding Samaan' s ability to obtain a purchase money loan for the Property given
17 that she has represented herself as a real estate agent representing herself. Therefore. on
18 September 7. 200~. Libow received a facsimile purporting to be from Pacific Mortgage
19 Consultants.
20 Samaan submitted the pre-qualitication letter to Zernik \\ith the intent to induce him
21 to enter into contract. To induce Zernik's assent to the contract. Samaan made numerous
22 misrepresentations to Zernik. First. paragraph 2(g) of Samaan's Initial OtTer required
?'
-.) Samaan to submit a letter from a lender or mortgage broker stating that "hosed on a revievv
2~ oj Buyer's H'J"itfen application and credit report. BU,ver is preqzwlij7ed or preapproved for
,
-) the .\EvV loan speci/ied in 2C ahove." (Emphasis Added). 1I0\\\.:\er. during her deposition
26 Samaan testified that she had never spoken \\ith Parks (who signed the letter) or
27 communicated \\ ith him - making it near impossible for him to have reviewed her written
28 application. Further. neither Parks nor Samaan have produced a copy of Samaan's pre-
18 / 745 Opposirion to \lotion for Summary Judgment

-15
Case :\0. SC08NOO
qualification letter throughout discovery and the lengthy litigation.
Second. the content of the letter turned out to be untrue and deliberately misleading.
Samaan \\as never actually approved for a purchast; money loan causing Zernik to cancel
esCfO\\. Third. the letter. \\hich \\as represented to be given by an independent hroker.
5 purportedly came from Parks. \vho was Samaan's then fiancc's cousin. Making an
6 indepclH_lent revie\\ very unlikely.
7 Finally. the signature on the prc-qualification letter docs not match the signature of
8 Parks on his Court filings in this case. While it is impossible to determine \\hich version of
9 Parks' signature is accurate. even an untrained lay person' s eye can recognize the significant
10 differences in the signatures. Further- facsimile cannot be authenticatcd because neither
II Parks nor Samaan has produced their version of the facsimile in discO\ery.
12 In short. Samaan's misrepresentation of her abi lity to obtain a purchase money loan
13 \vas intended to deceive Zernik. Zernik relied on that letter in giving his assent the contract
14 and \vas deceived into thinking that the letter was based on an independent analysis of
IS Samaan's financial status. Had Zernik known the true facts. he would not have entered into
16 the Contract.
17 C. Zernik's Signature Was Not the Cause of Samaan's Failed Loan

Application
18
1. Samaan's Tall Tales That Her Loan Application was suspended on
19 October 14, 2004, due to a Missing Zernik Initial on Her Initial Offer
20 (the purported purchase and sale agreement) are Outright Fraud.
21 To substantiate her tall tales. Samaan fraudulently introduced a document that is an
22 inval id underwriting letter dated October 26. 2004. that did not exist on October 14. 2004.
23 Nevertheless. Parks claims that he \\as aware of this undenvriting letter on or about October
:2.+ 15. 200.+ and that this letter indicated a missing Zernik signature or initial causing the
25 suspcnsitm on or about Octobcr 15. 2004. In reality, the unden\Titing lettcr of October 1'+,
:26 200.+ signed by Diane Frazier, lists approximately 14 requiremcnts that Samaan had to
27 satisfy for loan approval. Chief among those conditions. \\as the requirement that Samaan
28 submit a \alid Uniform Residential Loan Application (Farm 1003) for the correct loan
19 / 745 Opposition to ;\Iotion for Summary Judgment

-16
Court File: "Volume IV Continued" Case :--;0. SC087400
II
II
program because Samaan had applied for a reduced documentation loan program that had a
S I million dollar cap. e\en though she \\as applying for a loan for S1.374.400. In addition.
3 in the tirst apprO\al condition in that letter. Frazier caught Samaan's fraud by discovering
Samaan had misrepresented the address of her sole place of employment. This caused her
5 loan application to be suspended.
6 The Countrywide Unden\Titing letter of October 26. 2004 is a yery sophisticated
7 instrument of deception. It is fraudulent on multiple leyels. While the ldter does appear to
8 be a print-out from one of Countrywide's underwriting computer sothvare programs. the

9 letter does not renect the true facts at the time of its p·rinting. It was also never authenticated
]() by the hand signature of an undenvriter. unlike the other underwriting letters produced
1] through discovery. Consider the following:
12 a) This Underwriting Letter is Unsigned.
All other valid underwriting letters were signed by either Diane Frazier. the
13
duly assigned under\\Titer. or by Maria Mclaurin. the Branch manager. who on
14 or around October 25. 2004. usurped Underwriting authority for Samaan's
loans.
15
16 b) This underwriting letter never appeared in four (4) subpoenas for documents
produced bv Countrywide to Zernik. In numerous meet and confer letters.
17 attorneys for Countrywide repeatedly promised Defendant that he received all
undenHiting letters applicable to this tile. When Defendant then showed them
18
the Underwriting Letter produced by Maria McLaurin on October 26, 2004,
19 the\'. concluded that it did not belong in the loan tile. When Defendant
~
demanded (Exhibit) in meet and confer letters that they proyide an explanation
20 for this letter. he receiyed (Exhibit) documents that appeared like
21 communications between Plaintiffs husband. Plaintiffs Counsel. and
McLaurin. in preparation for planting an invalid, unauthenticated document in
22 court filings.
23
e) Diane Frazier is J isted here as the underwriter. But her hand signature is
24 missin2.. in contrast to the other. valid undef\Hiting ktters. Moreover. bv
~ ~ .
.
October 26.2004. Diane Frazier was d'fectivelv removed from her authoritv as .
undenHiter for Samaan' s loans and that authority \\ as usurped by McLaurin.
26 Therefore. the missing signature here is that of McLaurin. not Samaan.
27 d) The loans were never suspended on October 26, 2004. By October 25. 2004.
28 McLaurin took control of the loans and started t\\O definitive actions to
20 / 745 Opposition to \lotion for Summary Judgment

-17
Court File: "Volume IV Continued" Case "\0. 5C087400
expedite their approval - albeit \vithout ever obtaining e\en valid loan
applications from PlaintitT. McLaurin with help from Ortin acted as follows:
3 I. She ordered Appraisal Review. regardless of the fact that the

Undcf\\Titer stipulated that such Appraisal be carried out only after
Corporate Approval of the loan guidelines violations.
5
11. She initiated Referral to Division Underwriting Support by submitting
6 an Exception Request. Branch Input. in \vhich. in error. Samaan's
income was hiked to $4.000.000 a year.
7
8 e) Even had this Undenvriting Letter been valid. it is irrelevant. since Escrow was
canceled on October 21. 2004, and this Letter is dated October 26, 2004.
9
10 Likev,ise. the loan was suspended. per the terms of the underwriting letter, because
II due to the deliberate submission of dishonest loan applications. fees assigned to the loan
12 \vere erroneously lovvered and so were closing costs. Subsequently. if disclosure papers
13 were prepared based on this invalid application the disclosures would also be inaccurate.
14 Therefore. Samaan left the underwriter no other choice than to suspend the loan in less than
15 three days to protect Countrywide. because had she allowed the loan application to remain
16 \\ ithout valid loan disclosures (\vhich were not present) she would expose Countrywide to
17 Fraud. Business and Professions Code ~ 10240(c).
18 2. Zernik Was Not Required to Sign Samaan's Original Offer

19 Zernik was never required to sign Samaan's initial offer. \vhich was the California
20 Residential Purchase and Sale Agreement and Joint Escrow Instructions. Indeed. the terms
21 of Counter Offer No. 2 expressly stated that "The terms and conditions of the above
22 referenced document [the California Residential Purchase Agreement (Samaan's initial
23 offer) I an: accepted subject to the following:" Applying very basic contract principles
24 ren:als that a counter-offeree need not initial or sign an original offer after being presented
\vith a counter-offer. In other words. Zernik \\as never obligated to sign the original ofter
(even if he did or did not. \vhich Samaan cannot conclusively prove).
27 ~evcrtheless. Zernik did initial and sign pages I through 8 of the purchase agreement.
28 No\v. through the declaration of Victor Parks and without any documentary evidence.
21 / 745 Opposition to Vlotion for Summary Judgment

-18
Court File: "Volume IV Continued" Case '\0. 5C087400
Samaan claims that Zernik signed Samaan's original offer (the California Residential
Purchase and Sak Agreement and Joint Escrmv Instructions) atter 3:-1-2 p.m. on October 22.
3 200-1-. In fact. Gail HershO\\itz. in her declaration submitted in opposition to this motion.
4 ' could not contirm that lernik signed the contract at that time. (HershO\vitz Dec!.. ., 3.)
5 3. Plaintiff Submitted a Fraudulent Version of the Purchase

6 Agreement
7 One of the main arguments that Samaan relics on in her motion for summary
8 judgment is a version of her initial offer that she claims Zernik did not sign. which prevented
9 her performance. The document she presented was a document misrepresented as a version
to of the purchase agreement that had been faxed by Mara Escrmv to Parks on October 22.
I1 2004 at 3 :42 p.m. without Defendant's signature.
12 In order to understand Samaan's ever changing story regarding Zernik's allegedly
13 missing initials and signature it is important to understand Parks' declaration. Parks stated:
14 This document is not initialed on every page by Zernik showing

that as of 3:42 p.m. on October 22. 2004. Zernik had not yet
15 delivered to Mara Escrow a fully executed copy of the Purchase
16 Agreement. Subsequently. later that day. Mara EscrO\v sent me a
fully executed copy of the Purchase Agreement. Apparently. at
17 some point after 3:42 p.m.. on Friday. October 22. Zernik went to
18 Mara Escrow and initialed every page of the Purchase
Agreement. I immediately forward the fully executed Purchase
19 Agreement to CountrV\vide.
'- "'
20
There are numerous problems with this story. Consider the follmving:
(I ) Parks has no personal knowledge of if or when Zernik signed the agreement as

is apparent from his statement --Apparently. at some point. ....·
23
(2 ) In his emails of October 22. 2004 Parks stated that he \\as having problems
24 \vilh his telephone and fax machine and thcrcforc it is questionable whether he
\\as actually involved \\ith this purported facsimile transmission
26 (3 ) There is absolutely no documentary evidence to SUpp0l1 his statement. Parks

27 attached. as Exhibit 24 to his declaration. a copy of what he falsely declares is
the unsigned and uninitialed purchase and sale agreement. IIO\vever. Parks
28 does not provide a copy ofthe second document that he contends he received
22 / 745 Opposition to \lotion for Summary Judgment

-19
Court File: "Volume IV Continued" Case :'\io. SC087400
from JJara Escrow 011 that same day and thell later sent to Countrywide.
Likc\vise. both Mara Escrow and Country\vide havc failed to produce such a
document. Country\vide' s production. in rcsponse to Zernik' s subpoena shows
that Parks did not actually send either of the facsimiles he contends he sent to
Country"ide on October 25. 2004. Instead. the ol1(r document produced by
Coulltrywide (even after Zernik met and conferred \\ ith Country\\ ide) is the
5 document attached as Exhibit R to Zernik's declaration. Zernik Dec!.. ~ 34.
Exhibit R. That document does contain Zernik's initials and signature. If Parks
6 .
truh had sent either facsimile on October 21. 2004. sureh Countrvwide .
. or
Mara Escrow would have produced such a document. Alternatively. if Parks
7
. .
had actuallv sent the second facsimile. surelv he could have attachcd it to his
8 declaration.
9 (4 ) Third. the version produced by Countrywide bears the 3 :42 p.m. facsimile
10 header and no intervening facsimile headers from October 11. 2004. In other
\\ords. the document produced by Countrywide contains three fax headers: (l)
II A September 22.2004 transmission from Coldv.ell Banker. (2) an October 22,
12 1004 transmission from Mara Escrmv at 3:42 p.m. and (3) an October 25.1004
facsimile from an unidentified source at 5:09 p.m. Based on Parks' version of
13 events. he claims he received facsimile (2) from Mara EscrO\v. and then
suhsequently received another version of the facsimile on that same day from
14
Mara Escrmv. "hich was "apparently" signed by Zern ik and then sent back to
15 Parks. who then forwarded it to Countrywide. apparently creating facsimile
(3). llmvever. in order for Mara Escrow to be on the facsimile header for
16 facsimile (3). Mara Escrow would have had to had Parks hand deliver that
17 document to them and then they would have had to hand deliver it to Parks,
\vho \vould have then had to have sent it to Countrywide.
18
19 O. Seller Had the Right to Cancel the Agreement on October 21, 2004.
20 Generally. the terms of the Purchase Agreement control the parties' duties and
21 responsibilities during the escrow period. Indeed. Paragraph 14 (c) of the Purchase
II
Agreement clearly sds forth the Seller's right to cancel the agreement where buyer does not
23 remove thc applicahle contingency or fulfill buyer's contractual obligations.
24 I lere, as set forth in the statement of facts (above) Samaan (buyer) breached both
prmisions giving Zernik the clear right to cancel the agreement. At the \'er~ least. Samaan' s
26 contention that escrow was cancelled on October 25. 2004, is completely in dispute with
27 Zernik's contention that he cancelled escrow on October 21.1004. DF~
28
23 / 745 Opposition to :'vlotion for Summary Judgment

-20
Case "Jo. SC087400
IV. CONCIXSON
Based on the foregoing, Dd'endant Joseph Zernik n:quests that this C01ll1 deny
Plaintiffs \lotion for Summary Judgment.
Df\ TED: July 26. 2007
5
Respectfully submitted.
6
r;;/
----J~!-~(K:-::------
9
Attorney In Pro Pcr

10
II
12
13
14
15
16
17
18
19
20
2\
II
23
24
25
26
27
Oppnsiti,'n h) \Iutiun 1(11" :-'UI11111,1I: Judgment

-21 eN: ,\1) SCI)S7~()()
24 / 745
PROOF OF SERVICE
J I STATE OF CALIFORNIA. COCNTY OF LOS ANGELES.
I am employed in the County of Los Angeles. State of California. I am over the age
of 18 and not a party to the within action: my business address is 12100 Wi Ishire Boulevard.
Suite gOO. Los Angeles. California 90025.
5 On July 26. 2007. I servcd the foregoing document described as DEFENDANT
JOSEPH ZERNIK'S OPPOSITION TO PLAINTIFF NIVIE SAMAAN'S MOTION
6
FOR SUMMARY .JUDGMENT; MEMORANDUM OF POINTS AND
7 AUTHORITIES IN SUPPORT THEREOF envelope addressed to:
8 Mot: Keshavarzi Robert J. Shulkin

Sheppard. Mullin. Richter.th& Hampton LLP Coldwcll Bankcr Legal
9 333 South Hope Street, 48 Floor 1161 I San Vicente Boulevard. 9 th Floor
Los Angeles. California 90071 Los Angeles. California 90049
10
11 BY MAIL: I caused such envelope to be deposited in the mail at Los Angeles.

California. The envelope was mailed \vith postage thereon fully prepaid. I am readily
12 I~lmiliar \\ith the firm's practice of collection and processing correspondence for
mailing. It is deposited \\lth the Unitt:d States Postal Service on that same day in the
13 ordinary course of business.
14 D BY PERSONAL SERVICE: I caused such envelope to be pt:rsonally delivered by
hand to thc offices of the addressee.
15
16
D BY FEDERAL EXPRESS: The Federal Express packa£l.e tracking number for this
envelope is _ . and the envelope\\ as sent fmode] for receipt
on [day I. [dateT
17
D BY j·ACSIMILE MACHINE: The above-referenced document \\as transmitted by
facsimile transmission and said transmission \\as reported as complete and without
18
error.
19
Executed on .I uly 26. 2007. at Los Angeles. Cali fornia.
20 (State) I declare under penalty of perjury under the Im\s of the State of Calit()rnia
that the above is true and correct.
21
22
23
24
Lili! Vardanian
26
27
28
25 / 745
Joseph Zernik
In Pro Pcr FILED
I 320 S. Peck Avenuc l(i\ \ '\\ ;UFS Sl PERIOR COURT

Beverlv Hills. California 90212
3 310--+]'5-9107 ,1111 202007 L~
,JOHN A,CLARKE, CLERK
·~n./\Ji~~ \.b>.<lilJ..D
5 bY 8?,RDARA VARGAS;CO[PUlY
6
7
NIVIE SAMAAN. an individuaL ) Case No. SC087400

10 )
Plaintiff. )
II ) Assigncd/or a/I purposes /0 the Honorahle
v. ) Jacqueline Connor
12 )
JOSEPH ILRNIK. an individual. and DOES ) DEFENDANT'S OBJECTIONS TO
13 1 through 20. inclusive. PLAINTIFF NIVIE SAMAAN'S j
14 ) EVIDENCE SUBMITTED IN SUPPORT
Defendants. ) OF HER MOTION FOR SUMMARY
15 )
16
J{)S~~PI~-jl~RNlK~~1 individuaL -~---~
j JUDGMENT
Cross-Complainant. ) [Proposed Order Submitted Under

17 ) Separate Coverl
\.
)
18 )
) Hearing:
COLDWELL 8ANKER RESIDE\lTIAL
19 ) Date: August 9. 2007
BROKFRACIL MICHAEL LIROW. an ) Time: 8:35 a.m.
20 individual. )
) Place: Department "WE-I"'
21 C ross- De fendants.
)
)
II -~~~~)
.,
J'
.,)oJ J
. I... J : ,'-) ~
.. ; ; , I \
, \
25 \
26
~ . ,
27
28
26 / 745 -1- L,\ Id~l1ti~lr: Ohkctiolb in Suprhlrt of' [)~klld~m, 0p[1(hitillll tll
Court File: "Volume IV Continued" \ Illti'Hl I<Jr "iullll11ary judgmellt
Samaan v Zernik (SC087400) Los Angeles Superior Court Case '\0. SC087-l00
OBJECTIONS TO DECLARATION OF NIVIE SAMAAN IN SUPPORT OF HER
1 MOTION FOR SUMMARY JUDGMENT
3 Objection Number 1
-+ Evidence: Page 1. Paragraph 2. Lines 10 Page 2. Lines 1-2.
5 In March 2004. I became engaged to my husband Jae Arre Lloyd and we began
6 searching for a home to purchase in Beverly Hills in anticipation of our wedding on
7 September 18. 2004. in Hmvaii. At the time Jae Arre Lloyd and his three daughters lived
8 together in L1oyd's two-bedroom apartment on Peck Drive in Beverly Hills but I did not live
9 them. Our search for a home \vas limited and driven by two man factors: ( 1) our budget was
10 approximately $1.7 million, and (2) because our children were enrolled in high school and
II middle school in Beverly Hills. our new home had to be located in the Beverly Hills area so
12 that our children could remain in the same schools. Even within Be\l~rly I Iills, our search as
13 limited to a ten block radius from L1oyd's apartment. There are three middle schools in
14 Bt:verly Hills and two of our three daughters were enrolled in one of them. tht: EI Rodeo
15 Middle School on Whittier Drive (currently one of our daughters is still enrolled at EI
16 Rodeo). In order for our daughters to continue to attend EI Rodeo we have to live in the
17 school" s coverage area which includes an approximately ten block radius around Lloyd' s
18 apartment on Peck Drive. Keeping our daughters in the same school \vas very important to
19 us. Lloyd's daughters had lived with their mother (Lloyd's former \vire) until February
20 2004. Bet\\een 199 and 2004 Lloyd's daughter had moved five dilTerent times and had
changt:s schools a few times. It was very important to us to provide them \vith stability.
11 Eventually. in August 2004. I moved into Lloyd's two bedroom apartment hoping that soon
23 our entire family would move to a nc\v house.
24 Currently me. LJO) d and our three children all live in the same t\\ o-bedroom apartment on
Peck Drive
26 Grounds for Objections:

27 Irrelevant. Evid. Code ~ 350. Samaan's family history is not relevant to this specific
28 performance action.
1 F\ idcntiar: Objections in SuppOrlof lkkndam, Clppositil)!1 to

27 / 745
Court File: "Volume IV Continued" - \!otilln lelr Summary .iudgl11cnt
Samaan v Zernik (SC087400) Los Angeles Superior Court Case No. SC087-l00
I Court's Ruling on Objection 1: Sustained: _
Overruled: - -\.. - - - - - .-,/
:; Evidence: Page 2. Paragraph 3. Lines 9-11.
6 [ am infonned and believe that the Property was. and is. owned by defendant Joseph
7 Zernik. f lis agent in the transaction was Michel Libow of Cold\\ell Banker.
9 Lacks foundation. no personal knO\vlcdge. Evid. Code ~~ 400-403.702. No

10 foundation has been established for Samaan having personal knO\\ledge of whether or not
11 Michael Libow of Coldwell Banker \vas Zernik's agent in the transaction.
12 Court's Ruling on Objection 2: Sustained: - - - - - - -
13 Overruled: - - - - - - -
14
16 Evidence: Page 2. Paragraph 4. Lines 16-17.
17 Attached hereto as Exhibit 2 is a true and correct copy of defendant's counter-offer.

19 Lacks foundation. no personal knowledge. Evid. Code ~~ 400-403.702. No

20 foundation has been established for Zernik having sent a counteroffer.
II Overruled: - - - - - - -
Objection Number 4
Evidence: Page 2. Paragraph 4. Lines 18-21.
26 The next day. on September II. 2004. 1 accepted all of the terms of defendanrs
27 counter-offer with the exception of on item and faxed my second counter offer to ddendant.
I
28
-3- h idC:11liar; Ohjcctil1fh III 'illJlPOr1 'If l)c:klldaJlt~ OJl[1osition to

28 / 745
\ lotioll [,)r 'iUl1llllar; judgmc:nt
Samaan v Zernik (SC087400) Los Angeles Superior Court C<1~c No. 5C087400
Attached hereto as Exhibit 3 IS a true and correct copy of Ill\ second counter-offer to
') defendant.

. J. Lacks foundation. no personal knO\\ledge. Evid. Code ~~ -1-00--1-03.702. No foundation has
5 been established for Samaan having reviewed Zernik's counterorkr. Impermissibk
6 secondary evidence. Evid. Code ~ 152 I. The best evidence of the terms of Samaan's second
7 counter offer to lernik is the counteroffer itself.
8 Court's Ruling on Objection 4: Sustained:

--------
9 Overruled: -----'-----
" "
.
10
1I Objection Number 5

13 I did not immediately hear hack from Libov" or defendant. I waited until September
1-1- 13. 200-1-. and not having heard from defendant vvrote again to Lihow urging a response to
15 m\ second counter-offer. Attached hereto as Exhibit -1 is a true and correct copy of my
16 memo to Libow. dated September 13. 2004.

18 Impermissible secondary evidence. Evid. Code ~ 1521. The hest evidence of the terms of
19 Samaan's memo to Libovv is the memo itself.
21 Overruled: - - - - - - -
22
2-1 Evidence: Page 2. Paragraph 5. Lines 27 - Page 3. Line 2.
25 I I received defendant's acceptance of my second counter-offer. Attached hereto as
26 Lxhibit 5 is a true and correct copy of the facsimile I received form Libovv accepting my
27 second counter-offer.
29 / 745
-..J.- [\ iJ~ntiar: Ubj~cti()n, in SUJiPO!1 'If [)~knJants ()PJi(1~ition to
Court File: "Volume IV Continued" \ll1till[1 !()r Summar: judgment
Samaan v Zernik (SC087400) Los Angeles Superior Court Case \10. 5C087400
Grounds for Objections:
! Impermissible secondary evidence. Evid. Code ~ 1521. The hest evidence of the terms of
3 this document is the document itself.
-1 Court's Ruling on Objection 6: Sustained: - - - - - - -
) Overruled: - - - - - - -
6 Objection ~umber 7
8 Because Libow faxed his acceptance late in the evening. I did not actually receive it
9 until the next morning. as I \vas preparing to kave for my wedding.
11 Irrelevant. Evid. Code ~ 350. Lacks foundation. no personal knowledge. Evid.

12 Code ~~ 400--1-03.702. No foundation has heen estahlished for Samaan's knowledge of
13 \vhcthcr LihO\v faxed his acceptance late in the evening.
15 Overruled: - - - - - - -
16
19 That morning. September 16, 2004, before leaving for the airport I faxed Libow an
20 addendum to the Purchase Agreement changing the acceptance date to Septemher 23. I was
21 concerned. and had previollsly communicated this concern to LibO\v. that if \'ve did not move
the acceptance date to September 23. I may not be able to comply with the deadlines in the
Purchase Agreement. including the deadlines to remove contingencies. In my fax to Lihow l
~xpressly told him that if the date \\as not changed "I \vill not be bale to meet the h:rms of
the Purchase Agreement.·· Attached hereto as Exhibit 6 is a true and correct copy of my
26 facsimile to Libm\. I also asked Libo\\ to have the Escrow Instructions. the executed
17 Purchase Agreement and the Preliminary Title Report (the "Escrmv Package") to my house
28 during: my absence so that I could begin \\orking on the transaction immediatdy upon my
30 / 745
-5- h id<? tllia r: ()b.iccti<lll~ in Support or [)ctl:nd,lnts 0PPlhition to
Court File: "Volume IV Continued" \l\)ti,\!l for "ul11n1ar:-iudgn1~nt
Samaan v Zernik (SC087400) Los Angeles Superior Court CJse ~(J. SC087<fOO
return.
') Grounds for Objections:
3 Misstates cvidcnce. The proposed addendum did not change the acceptance date, as it
~ \\ as not signed. Improper authentication. Hearsay. 1I11permissiblc secondary evidence. Evid.
S Code ~ 15:21. The best evidence of the terms ofSamaan's alleged facsimile is the facsimile
6 itself.
8 Overruled:
--~-----
II Evidence: Page 3. Paragraph 6. Lines 10-22
12 Libm\ told me that there was no need to sign the Addendum and assured me that
13 defendant \\ould give me additional time to meet the deadlines in the Purchase Agreement if
I~ needed.
16 Hearsay. Evict. Code ~ 1200.

17 Court's Ruling on Objection 9: Sustained: - - - - - - - -
18 Overruled: - - '-
./
-----
19
21 Evidence: Page 3. Paragraph 7. Line 27.
22 Lloyd and I returned from Hawaii on September 23.

Irrelevant. 1:\ id. Code § 350.

26 Overruled: - - - - - - - -
27
28
31 / 745
-6- E\ Idcntiar) Objections in Support of DdcnJants Opposition to
Court File: "Volume IV Continued" \lot!on 1()r Summar) juJgment

Samaan v Zernik (SC087400) Los Angeles Superior Court Case ,\)0. SC087.+00
Objection Number 11
:2 Evidence: Page 3. Paragraph 7. Line 27 - Page -J.. Line 1.
3 ben though I had asked LibO\\ to deliver the Esc[(m Package to my hC)l1se during
.f m: absence. he had not done so.
:) Grounds for Objections:
7 foundation has been established for Samaan knowledge of whether she received an "Escrm\
8 Package" from Libow.
10 Overruled: - - - - - - -
II
1-1 When \\ie retuned we had a voicemail from Libow informing me that he needed the
15 deposit check of S 15.000.00 delivered to escrow the next day.
17 Hearsay. Evid. Codc ~ 1200.
19 Overruled: - - - - - - -
20
7} Evidence: Page 4. Paragraph 7. Lines 8-10.
Mara Esc[()\\ rcsponded that it could not deliver the Escrow Package because
defendant had not yl:t provided Mara Escrow \vith the executed Purchase Agn:t:mt:nt.
26 Hearsay. Evid. Code ~ 1200. Lacks foundation. no personal knO\vlcdge. Evid. Code
27 ~~ 400-403.702. No foundation has been established for Samaan having personal knowledge
28 oh\herher lernik had provided Mara Escrow with the "cxecuted Purchase Agreement.'·
32 / 745
_7_ r: \ iJcnliar: (Jbjcclion, in "Urrl1I1 lll' Ikkndanh (Jpposilion to
Court File: "Volume IV Continued" \ 1\l[ilJn )()r SlIl11mar:i lIdglllcnt
3 Overruled:
-------
4 Objection Number 1-4
5 Evidence: Page: . L Paragraph 8. Line 12.
6 On October 4. I deliven:d a cashia's check to the escrow company.
8 Lacks foundation. Evid. Code 9~ 400-403.
9 Court's Ruling on Objection 14: Sustained: -------

10 Overruled: - - - - - - -
11
13 Evidence: Page 4. Paragraph 9. Lines 14-15
14 On Tuesday September 29. I learned from my broker Parks that he still had not
15 received the Escrm\' Package from defendant or Libow.
17 Page 4, Paragraph 9, lines 14-15. Hearsay. Evid. Code § 1200. Laeks foundation. no
18 personal knowledge. Evid. Code §§ 400-403.702. No foundation has been established for
19 Samaan having personal knowledge of whether Parks had received the "Escrow Package"
20 from /ernik or Lihow.

I)
Overruled:
-------
23
26 Mara Escr(m responded that they were \vaiting for some documents from Libow.
28 Hearsay. Evid. Code ~ 1200. Lacks foundation. no personal knowledge. Evid. Code
-8- E\ idcntiary Obicctilln'> ill Support llf Dc:knJants Opposition to

33 / 745
Court File: "Volume IV Continued" \!(ltion tllr Summary .iudgll1c::nt
~~ 400-403.70:2. No foundation has been established for Samaan having personal knowledge
2 of\\hether Mara Escnm \vas waiting for documents from Libow.

L/
4 Overruled:
--------
5
8 Meanwhile. I proceeded on schedule with my ohligation under the parties' agreement
9 and completcd my inspection on Wednesday. September 30.
II Improper legal conclusion/argument as to \vhat is required by the "parties'
12 agrcement"·. Evid. Code ~§ 800. 801. Lacks foundation. no pcrsonal knowledge. Evid.
13 ('mit: ~~ 400-403.702. No foundation has been estahlished for Samaan having personal
\4 kJ1()\\ ledge of completing a home inspection.
16 Overruled: - - - - - - -
17
20 The following Monday. October 4. I met Libow at the Property to review the Home
:2 I inspection Report and sign the Transfer Disclosure Documents. Later that day. Libow faxed
me thc I3uyer's Reports/Disclosures and Buyer's Investigation Contingency Removal.
23 signed and t~lxed the documents back to Libow within minutes of receiving it.
~ ~
Attached
24 hereto as Exhibit 9 is a true and correct copy of mv tax to Libo\\ removmg these
25 contingencies.
26 I Grounds for Objections:
27 SpecuJati\e. Lacks foundation. no pasonal knowledge. Eviti. Code ~~ 400-403.702.
28 No foundation has been established for Samaan having personal knO\dedge of when Libovv
34 / 745 -9- L\ identiar: Ohicetillih in SUppllrt \'1' Defendant, Oppo,ition to

Court File: "Volume IV Continued" \j,)[ion for SUlllmar: judgment
Samaan v Zernik (SC087400) Los Angeles Superior Court Case ~o. 5C087400
sent the disclosure statements. Misstates evidence. Impermissible secondary evidence.
7 Evid. Code ~ 1521. The best evidence of the terms of Lih()\\'s t~lcsimile is the facsimile
3 itself.

\ ./
5 Oyerruled: - - - - - - -
~/
7 EYidence: Page 5. Paragraph 11. Lines 1-2.
8 On Wednesday. October 6. Parks contacted me and told me that he still had not
9 received the EscrO\v Package from lhe defendant.
1I Hearsay. Evid. Code ~ 1200.
J2 Court's Ruling on Objection 19: Sustained: - - - - - - -
13 Oyerruled: - - - - - - -
14
16 EYidence: Page 5. Paragraph I L Lines 2-3.
17 At his urging. [ called Mara Escrow and Libo\V and again asked them to send the
18 Escrow Package.
[9 Grounds for Objections:
20 llearsay. Evid. Code ~ 1200. Lacks foundation. no personal knowledge. Evid. Code
21 ~~ 400-403.702.
Sustained: - - - - - - - -
Oyerruled: - - - - - - -
Objection Number 21
26 EYidence: Page 5. Paragraph II. Lines 3-8.
27 Finally. 011 Wednesday. October 6. after the close of business. at 5:38 p.m.. Mara
2R EscrO\\ sent to me and Parks some. but not all. ufthe necessary documents. Specifically.
35 / 745 -1 of\ iJcntiar) ()biccti'1I1~ in SlIrp(Jr! of Dcfcndanb Oppn'ition to

Court File: "Volume IV Continued" \Iotion t()r Summar;illugmcnt
Samaan v Zernik (SC087400) Los Angeles Superior Court Case :\0. SC08NOO
Mara [scnm deli\l?red the Escro\\ instructions and the Preliminary Title Report but the not
the fully eWCLIted Purchase Agreement because Mara EscrO\v sent the documents after the
close of business. Parks did not receiYe the documents until the next day. Thursday. October
7.
6 Lacks foundation. no personal knowledge. Evid. Code ~* '+OO-"-J.03.702.

8 Overruled:
-------
9
II Evidence: Page 5. Paragraph 11. Lines 8-11.
12 On Friday. October 8. [ delivered a cashier's check in the amount of $15.000 for the
13 deposit to Mara Escrow. Attached hereto as Exhibit lOis a true and correct copy of my
1.+ second deposit check. Monday. October 11 was a holiday.
16 Misstates evidence. The trust account deposit receipt shows the check being received
17 bv Mara Escrow on October 12. 2004. Impermissible secondary evidence. Evid. Code
18 S
~ I':;- -J 1. The best evidence of the deposit check and its receipt is the document itself.
19 l-Iearsay. Evid. Code ~ 1200.

21 Overruled: -+\:.,......,. _
Objection Number 23
25 Attached hereto as Exhibit 11 is a true and correct copy of my fax to Lib(m removing
26 the Loan and Title Contingencies.
27 Grounds for Objections:.
28 Improper legal conclusion/argument as to the etTect of Samaan' s facsimile. Evid.
36 / 745
-11-[\ identiJI) Obiection, in Support oj' Defendant, Opposition to
Court File: "Volume IV Continued" \ lutiun I;)r Summar\ judgment
Code ~~ 800. 80 I. Impt:rmissible secondary evidence. Evid. Code ~ 1521. I-karsay. Evid.
Code ~ 1200.

-------
Overruled: -------
5
8 I also wrote a letter to Libow explaining that as the loan's approval \\as conditioned
9 on the appraisal rev iew. I could not remove the appraisal contingency. Attached hereto as
10 Exhibit 12 is a true and correct copy of my letter to Libow. Zemik' s failure to provide he
II fully execute Purchase Agreement was the only rcason I could not remove my appraisal
12 contingency. because I could not remove that contingency until Country\vide had approved
the appraisal of the Property.
15 Improper legal conclusion/argument. Lvid. Code ~~ 800. 80 I. Impermissible
16 secondary evidence. Evid. Code ~ 1521. Hearsay. Evid. Code § 1200. Lacks foundation, no
17 personal knowledge. Evid. Code ~§ 400-403.702
19 Overruled: -----+.,-<::=...-_--
20
21 Objection ~umber 25
23 .
On Thursdav. October 21. r received a letter from defendant himselftcllin!! me that if ~
24 I did not remove the Appraisal Contingency he would caned escrc)\\.
26 Improper legal conclusion'argument. [yid. Code ~§ 800. 80 1. Impermissible
27 secondary evidence. Evid. Code ~ 1521. Hearsay. Evid. Code § 1200. Lacks foundation, no
28 personal knO\\kdge. Evid. Code §§ 400-403.702
37 / 745 _12_1:\ iJ-:ntiar) Obj-:ction:> ill SUrrO!1 or' Dd'cnJants ()rpu~itior. to

Court File: "Volume IV Continued" \!oti\ln t\Jr Summar) juJgment
Case \fa. 5C087400
Court's Ruling on Objection 25: Sustained:
-------
')
Overruled:
-------
5 Evidence: Page 5. Paragraph 13. Line 26 Page 6. Line 2.
6 Latcr that day. LibO\\ wrote to me contirming that defendant had agreed to extend the
7 deadlines in the parties' agreement and asked for a dosing to be extended from November I
8 to Novcmber 12 to enable defendant to find an apartnlent. Attached hereto as Exhibit 13 is a
9 true and correct copy of Libow's email. The next day. I informed Libo\\ that an extension of
lO closing would be acceptabk to me.
II Grounds for Objections:
12 Misstates evidence. Improper legal conclusion/argument. Evid. Code ~§ 800. 80 I.
13 Impennissibk secondary evidence. Evid. Code ~ 1521. Hcarsay. Fvid. Code ~ 1200. Lacks
14 foundation. no personal knowledge. Evid. Code ~~ 400-403.702.
16 Overruled: -l.../"
------
17
20 On Monday. October 25. I learned from Parks that the lender had approved the loan
21 and the appraisal.

I karsay. Evid. Code ~ 1200. Lacks foundation. no personal knO\\ledge. Evid. Code
~~ -WO-403.702.
26 Overruled: \. _/ _
27
28
38 / 745 1" [\ i,kmiar} Obicctions in SUfJport ,If Dc:tendanh 0fJpo..;ition to

Court File: "Volume IV Continued" - .J- \lut!on for Summar} judgment
Case No. SC087400
Objection Number 28
1 Evidence: Page 6. Paragraph I·.J.. Lines 5-7.
Cpon lcaming of this fact. I immediately called Libo\V at 3:02 p.m. and told him that I
\vas removing the Appraisal Contingency. Exhibit 7.
6 Hearsay. Lacks foundation. no personal knowledge. Evid. Code ~~ 400-403.702. Improper

7 authentication.
8 Court's Ruling un Objection 28: Sustained:
- - - - - - - -
9 Overruled: -_--:...-_---
10
II Objection Number 29

13 At 5:22 p.m. on the same day. I faxed the final contingency removal to Mara Escrow.
14 removing the appraisal contingency. Attached hereto as Exhibit 14 is a true and correct copy
15 ofm}' facsimile to Mara Escrow removing all contingencies.
17 Hearsay. Lacks foundation. no personal knowledge. E\id. Code ~~ 400-403.702.

18 Improper authentication. Improper legal conclusion/argument. Evid. Code ~~ 800, 80 I.
19 Impermissible secondary evidence. Evid. Code ~ 152 I.
21 Overruled: - - - - - - -
11
Objection Number 30

At 5:24 p.m .. Mara ESCf()\\ faxed me the Seller's Cancellation of Escrow. When
26 detCndant attempted to canceL Parks had already ordered loan documents and we would
27 have received them in time to dose on November L the scheduled date for closing. If
28 defendant had not reneged. we could and would have closed on November I. Attached
39 / 745 -14- E\ id~ntiar: Ohjcl1ilJlh in SurrUM or Dekndants Opposition to

Court File: "Volume IV Continued" \Iutiun t,Jr Summar~ judgment
Case ~o. 5C087400
hereto as Lxhibit 15. IS Zernik's Notice of Cancellation \\herein he attempted to cancel
escrO\\.
-+ Hearsay. Lacks foundation. no personal knmdedge. Evid. Code ~~ C+00-403.702.

5 Improper authentication. Improper legal conclusion/argument. hid. Code ~§ 800. ROI.
6 lmpennissibk secondary evidence. Evid. Code § 1521.
7 Court's Ruling on Objection 30: ./
Sustained: ----'---_._-
v
8 Overruled: - - - - - - -
9
12 After defendant attempted to cancel escrow we continued to look for homes but could
13 not find any within our price range in Beverly Hills. Our budget is still around $1.7 million.
I c+ Property values have substantially increased since 2004. to the point that \\e arc currently
15 priced out of the market in Beverly llills. Attached hereto as Exhibit 16 are true and correct
16 copies or real estate records indicating the homes in our neighborhood no\\ sell at $2.2 to
17 $2.5 million range.
18 Crounds for Objections:
19 Irrelevant. Evid. Code § 350. llearsay. Lacks foundation. no persona] knowledge.
20 Evid. Code §§ 400-403}02. Improper authentication. Improper legal conclusion/argument.
21 Evid. Code ~§ 800. 801. Impermissible secondary evidence. Evict. Code § 1521.
'1/ Court's Ruling on Objection 31: Sustained: - - - - - - -
Overruled:
26 Evidence: Page 7. Paragraph 17. Lines -+-9.

27 After he attempted to cancel escrow. defendant put his house back on the market and
28 IliSlCd it for sale but instructed his broker to tell me that the house is no longer tor sale.
40 / 745 - hidcntiar: ()hj-:-:lilJJh ill SUPPOI1 of Odclldallts Opposition to

Court File: "Volume IV Continued" - I ) .
1· -.
\ utlllll tor
.
~ulnr~Jar) .1udgmcllt
Case 010. SC087400
Attached h~reto as Exhibit l7 is u true and correct copy of printout from MLS dated
I ?'JO\ember 3. 2004. shcming the Property was still on the market as of that date. Attached
3 hereto as Exhibit 18 is a true and correct copy of defendant email to Libow. which defendant
4 produced during discovery.
6 Hearsay. Lacks foundation. no personal knowlcdge. Evid. Codc ~9 400-403.702.

7 Improper authentication. Improper legal conclusioniargument. Evid. Code 9~ 800. 801.
S Impermissible secondary evidence. Evid. Code § 1521. Misstatl:s evidence.
9 Court's Ruling on Objection 32: Sustained: ------,-----
lO Overruled:
--------
I1
12
OBJECTIONS TO DECLARATION OF VICTOR PARKS IN SUPPORT OF
13
PLAINTIFF NIVIE SAMAAN'S MOTION FOR SUMMARY JUDGMENT
14
Objection Number 1
15
Evidence: Page 1. Paragraph L Lines 4-7.
16
1 am a Senior Loan Consultant with Pacific Mortgage Loan Consultants. I submit this
17
declaration in support of Nivie Samaan's Motion for Summary Judgment. r have personal
18
knmvledge of the facts set forth herein. which are knmvn by me to be true and correct. and if
19
called as a \\ itness. I could and would competently testit} thereto.
20
21
Lacks foundation. no personal knmvledge. Evid. Code 9~ 400-403.702. No
II
foundation has been established for Samaan having personal kJ1lm ledge of any of the items
23
he has stated in his declaration.
24
Court's Ruling on Objection 1: Sustained: --------
2S /
Overruled: - - - - - - - -
26
27
28
41 / 745 -16- h ilkntlar: Obl~eti()fl' in Surpur: uf Ikkndanb Oppositiun to

Court File: "Volume IV Continued" \Iotiun )()f Summar: judgment
Samaan v Zernik (SC087400) Los Angeles Superior Court Case \'0. SC087400
Objection Number 2
Evidence: Page L Paragraph 2. Lines 10-22.
I han: mer 30 yeLlrS of experience in real estate lending and sales. I have been a
Senior Loan Consultant \vith Pacific Mortgage for approximatdy 4 years. As a Senior Loan
5 Consultant I act as a broker bet\veen lenders and borrowers. My duties include gathering
6 information needed b) lenders from horrmvers and facilitating the procurement of loans. I
7 have been a broker since 1986. Prior to that from 1982 to 1986 I was a Vice President and
8 Corporate loan officer for Bank of California (nO\v LJnion Bank). Before that from 1971 to
9 1982 I was Assistant Vice President/Corporate Loan Officer at Bank of Southern California.
10 As a loan ofticer at both Bank of California and Bank of Southern California I was
II responsible, among other things, for revievving loan applications. packaging loans and
12 determining \vhether borrowers applying for loans met the bank's criterion. In addition to
13 the above. since 1999 I have been a licensed real estate broker. Attached hereto as Exhibit
14 20 is a true and correct copy of my most recent resume outlining my experience and
15 qual iti cations.
17 I Iearsay. Improper legal conclusion/argument. Evid. Code ~~ 800. 801.
18 Court's Ruling on Objection 2: Sustained: _
19 Overruled: - _ . : - - _ - - -
20
!I Evidence: Page 1. Paragraph 3. Line 24 - Page 3. Line 6.
!"
-j When deciding whether or lend money to a buyer of residential real estate, like Ms.
24 Samaan. a knder examines three factors: (I) the borro\\er's ahility to rcpay the loan. (2) the
25 borrO\\er's willingness to repay the loan and (3) the Iender's ahility to recover the loan
26 should the borrO\ver fail to repay. With respect to the tirst category. the lender will look to
27 the bOITO\\cr's income and debt structure. The second category is analyzed based on the
28 bOITO\\er"s credit history and score. For the first two categories the bOITo\ver is the party
42 / 745 -17_E\ id~ntiar: Objection,; in SUpp,lrt elf Defendant'i Oppositi'1f1 to

Court File: "Volume IV Continued" \In,inn :or Summar: judgment
Samaan v Zernik (SC087400) Los Angeles Superior Court Case 'Jo. SC08i400
\\ ho prm ides the lender \\ith the requisite information. such as a cn:dit report. bank account
statements. de. The third category - \\hat happens if the bornmer defaults - is based on the
value of the property. The information needed for the lender's analysis of this category
comes mostly from the sel ler. When a borrower has the property appraised. he'she will
5 submit that appraisal to the lender. The lender will then revie\\ the appraisal. to determine
6 \vhether the value is justified. The lender will not approve the loan until it has reviewed and
7 approved the appraisal. In reviewing the appraisal the lender needs several key documents.
8 two of which are the preliminary title report and the fully executed purchase agreement. A
9 purchase agreement consists of a Residential Purchase Agreement and Joint Escrow
10 Instructions. The preliminary title report must be provided by the seller and the purchase
11 agreement must be executed by both parties. The preliminary title report may contain a host
12 of items that effect the value of the property. These items include encumhranct.:s. t.:asements.
13 encroachments. mineral rights. conditions. covenants and restrictions or Home Owners
1.+ Association restrictions. The lender also needs the fully executed purchase agreement before
15 it can revic\v and approve the appraisal of a property. because the terms of the purchase
16 agreement may effect value. For example. if a seller has agreed to return $100.000 of the
17 portion price back to the buyer. then the value of the property should be reduced by
18 $Ioo.ono. 1\ It.:ndt.:r cannot approve the appraisal and loan for a propt.:rty without first
19 reviewing the preliminary title report and the executed purchast.: agreement. Borrowers
20 typically \\ill not remove their appraisal contingency until the lender has approved the
21 appraisal of the property. [n a residential purchase transaction. such as the one involved
:22 here. contingencies are in place to protect the purchaser. r or example. an appraisal
23 contingenc) means that the buyer's purchase of the property is contingent on the property
2.+ appraising at the purchase price thi.: parties have .agreed upon. An appraisal has two
25 components. The tirst is an appraisal done by an independent appraisal agency. here
26 Property Sciences Group. Inc. Once the independent agency appraises the property and
27 prepares a report. as Property Sciences Group. Inc. did here. that report is sent to the lender.
28 The second component of the appraisal is the lender's approval of the appraisal done by the
43 / 745 -18- h iJentiar;- Objc:c:tior:, in SlIPPO!1 of D<:tc:ndants 0PPlhJlion to

Court File: "Volume IV Continued" \loti\\n Il\1' ')lImmar: judgment
Case :--Jo. SC087400
ind~p~ndent agency. Sinc~ th~ lend~r is lending money secured by real estate. the lender
7
\\ants to ensure that in case of default. the security \\ill sell for an amount that \\ill cover the
obligation under the loan. This is th~ point \\here the lender needs the fully executed
purchas~ agreement and preliminary title report to conduct its review.
6 Hearsav. Improper legal conclusion/argument. Evid. Code ~~ 800. 801. Lacks

7 [t)Undation. no personal knowledge. Evid. Code ~~ 400--+(B.702. Irrelevant. Speculative.
9 Overruled: - - - - - - - -
10
13 On or ahout September 15. I learned from Samaan that Icrnik had accepted her
14 counter-offer (second counter-l)fTer total) and she instructed me to begin the process of
15 procuring a loan for her purchase of the property. She informed me that escrow \\as to close
16 on November 1. 2004.
18 Hearsay. Lacks foundation. no personal knowledge. Evid. Code ~~ 400-403.702.

\v/
20 Overruled: _
21
23 Evidence: Page 3. Paragraph 5. r .ines 15-18.

24 Samaan also told me that since she was going to be in lIawaii for om: \\ eek for her
25 \\edding. Zernik had agreed to move the acceptance date to Seprcmher 23. to allow Samaan
26 enough time to meet her obligations under the parties' purchase agreement.
28 Hearsav. Lacks foundation. no personal knowledge. Evid. Code ~~ 400-403.702.
44 / 745 -19- h ickntiJr: Obj.:cti,Jnoi in Support or D.:kndJnts 0pp0oiition to

Court File: "Volume IV Continued" . \10tlon tllr Summar) judgment
C3St' ~o. SC08HOO
Improper legal conclusion/argument. Evid. Code §~ 800. 801.
Court's Ruling on Objection 5: Sustained: - - - - - - -

3 Overruled: \
\ /'
~
----'-'~-----
7 On or about September 24. Samaan submitted the necessar) financial documents to
8 me to begin processing her loan. I asked Samaan for the fully executed Purchase Agreement
9 (consisting of I) Residential Purchase Agreement and Joint Escrow Instructions. Buyer's
10 Inspection Advisory and Wood Destroying Pest Inspection and Allocation Cost Addendum.
11 2) Defendant" s counter-offer. and 3) and Samaan' s counter-offer to defendant's counter
12 offer) collectively the "Purchase Agreement'") and the Preliminary Title Report (the "Escrow
13 Package"').

15 Hearsay. Lacks foundation. no personal knmdedge. Evid. Codc ~~ 400-403,702.
16 Improper authentication. Improper legal conclusion/argument. Evid. Code ~§ 800. 801.
17 Impermissible secondary evidence. Evid. Code § 1521.
19 Overruled: - - - - - - -
20

For a document to be fully executed. both parties must sign every page where
applicable and also initial the bottom right corner of the Residential Purchase Agreement and
25 Joint Escf\m Instructions.
27 Improper legal conclusion/argument. Evid. Code ~~ 800. 801. Lacks foundation. no
28 personal knowledge. Evid. Code §§ 400-403.702.
45 / 745 _"'O_Llldcntiar) Ubi~ctioll~ ill SUppllJ1l)f Dckndallts Upposition to

Court File: "Volume IV Continued" - \l,Jtilll1 t'or Summar) judgmcnt
Samaan v Zernik (SC087400) Los Angeles Superior Court Case No. SC087400
Court's Ruling on Objection 7: Sustained: - - - - - - - -
Overruled: - - -,L-/ /'
=-----
3
5 E\idence: Page 3. Paragraph 5. Line 26 - Page 4-. Line 2.
6 Samaan told me that she would contact the escrow company selected hy Lernik Mara
7 Lscrc)\\ Company ("\1ara Escrow"). and request the Escrow Pad.age. The escrow agent at
R Mara Esc[()\\ working on this transaction was Gail Hershowitz.
10 I karsay. Lacks foundation. no personal knowledge. Evid. Code ~§ ..j.OO-403.702.
II Court's Ruling on Objection 8: Sustained:

-------
12 Overruled: - - - - - - -
13
15 Evidence: Page 4-. Paragraph 6. Lines 5-9.
16 The next day. on Tuesday September 28, I email Zernik's agent Michael Libow and
17 informed him that I have begun processing Samaan's loan. Ilowc\cr. I could not submit the
18 loan to the lender. Countrywide, until I had the Preliminary Title Report and the fully
19 executed Purchase Agreement. I told Libow that \ve expected final loan approval in 10 days.

21 llearsav. Lacks foundation. no personal knowledge. Evid. Code ~~ 400-403.702.
22 Impermissible secondary evidence. Evid. Code ~ 1521. Misstates evidence.

J"l Court's Ruling on Objection 9: Sustained: - - - - - - -
--'
24 Overruled: - - - -
' - - -
J
-,-)
2(1 Objection Number 10

27 Evidence: Page ..L Paragraph 6. Lines 9-10.
28 Libo\\ \\I"ote back telling me 10 days is a lengthy period "gi\en the huyer's loan
46 / 745 _) l_L \ idcnti:.lf) Ob1cction, in <';u[J[Jor! "f [kt~nJanh Clp[Jo'iition to

Court File: "Volume IV Continued" - . \IOlion Il)f "umrnar) judgment
Samaan v Zernik (SC087400) Los Angeles Superior Court Case 7\0. SC087-l00
contingency" .

.,
-' Hearsay. Impermissible secondary evidence. Evid. Code ~ 1511. Misstates evidence.

5 Overruled: - - - - - - -
6
9 I responded that \ve had been informed that all deadlines \vould start from September
10 23. Libow never told me or to my knowledge. anyone else. that he disagreed with this
II understanding. Attached hereto as Exhibit 21 are true and correct copies of my email
12 communication \vith Libow.

14 I karsay. Impermissible secondary i:vidcnce. \·\id. Code ~ 152l. Misstates evidence.

16 Overruled: - - - - - - - -
17
19 Evidence: Page. 4. Paragraph 7. Lines 15-20.
20 On Wednesday. September 29. I called Mara Escrow and asked them to send me the
21 Escrm\ Package. 1 told Mara Escrow that any delay by the seller in ddi\ering the Escrow
Y) Package \\ould delay the approval of the loan. The knder could not and \vould not approve
23 the loan \\ithout the Preliminary Title Report and the fully executed Purchase Agreement.
14 Mara Escrow responded that they were waiting for L ibow to send them thc fully executed
25 Purchase Agreement.

28
47 / 745 _)) _[\ iJ<:flliar: (Jhj<:ctil1ns in "Urp0rl of Dd<:nclilJ1!S Opposition to

Court File: "Volume IV Continued" - \1l1!ion for "urnmar: juJgm<:nt
Case \io. SC087400
Court's Ruling on Objection 12: Sustained:
-------
1
Overruled: _....:=::.._----
3
5 I Evidence: Pagc ..I-. Paragraph 8. Lines 22-24.
6 The next day. I again contacted Mara Escrow and asked them that thc\ rush the
7 Escro\v Package to me. I did not receivc a response to from Mara Escrow and notified
8 Samaan that I still had not received thc Escrow Package.
10 Hearsay. Lacks foundation. no personal knO\\kdge. Evid. Code ~~ 400-403.702.
1I Court's Ruling on Objection 13: Sustained: - - - - - -

12 Overruled: - - - - - - -
13
l.f Objection Number 14
15 Evidence: Page ..J.. Paragraph 8. Lines 26-28.

16 On Tuesday. October 5. I again contacted Mara [serow and asked for the EscrO\\
17 Package. I told Mara Escrovv that I was ready to submit the loan for approval but needed the
18 Escrmv Package before I could do so.
20 llearsay. Lacks foundation. no personal knowledge. Evid. Code ~§ 400-..J.03.702.
22 Overruled: - - - - - - - \ J""
23
25 Evidence: Page ..J.. Paragraph 9. Line 28 Page 5. Line 5.

26 .
Later that day Ylara Escrow left a voiccmail for me informin2 me that they
. needed ~
27 more time to send the Escrow Package to me because Zemik had not yet delivered the
28 Purchase Agreement to Mara Escrow". Mara Escrow told me "you're a little
48 / 745 1 '"\ E\ iJentiary Objections in Support of Defendants Opposition to

Court File: "Volume IV Continued" - -.) - . \ lotioll !(lr Summary judgment
Case No. SC087400
premature ... could you call us back in a few days .. , and then \\e can send you what you
need'" Attached hereto as Exhibit 22 is a true and correct copy of transcript of Mara
EscrO\v' s voicemail for me.
Hearsay. Lacks foundation. no personal knowledge. Evid. Code §§ 400-403,702.

6 Impermissible secondary evidence. Evid. Codc § 1521. Misstates evidence.

8 Overruled: - - - " - - - - - - - -
9
II Evidence: Page 5. Paragraph 9, Lines 5-11.
12 Alier receiving this voicemaiL I sent an email to Libow telling him ··we'll be ready to
13 submit for loan approval tomorrow when the appraisal is in. unfortunately, we called cscrow
14 to follow-up on our request for [escrmvj instructions and prdim[inary Title Report] made on
IS 9/27 and they're saying we may not get everything until next week., .As you're aware, we
16 need these items to submit for tinal loan approval.'· Attached hereto as Exhibit 23 is a true
17 and correct copy of my email to Libow dated October 5, 2004. LiboV\! did not respond to my
18 email.

20 I Iearsay. Lacks foundation, no personal knowledge. Evid. Code §§ 400-403,702.
21 Impermissible secondary evidence. Evid. Code § 1521. Misstates evidence.
II Court's Ruling on Objection 16: Sustained: - - - - - - - -

, /--'
/
23 Overruled:
--------
Objection Number 17
26 Evidence: Page 5. Paragraph 10, Lines 13-16.
27 Still not having receivcd the Escrovv Package. on Wcdnesda~. October 6. I urged
28 Samaan to contact Mara Escrm\. Finally. on Wednesday. Octoher 6. after the close of
49 / 745 _14- E\ id~ntiar: Uhi~Ltillm in SUPPllrt \J1 f)d~nJanh Oppo,itilll1 to

Court File: "Volume IV Continued" - \llltion tiJr Summar: Judgment
Case No, SC087400
business. at 5:38 p.m.. Mara EscrO\\ sent some. but not all. of the necessary documents to
1 me.
Lacks foundation. no personal knowledge. Evid. Code ~~ -+00-403.702.
5 Impermissible secondary cvidence. Evid. Code ~ 1521. Improper legal
6 conclusion argument. Evid. Code ~~ 800. 801.
8 Overruled: - - - - - - -
9
12 Speci fically. Mara Escrow deliver the Purchase Agreement (still not initialed one
13 e\ery page by defendant) and the Preliminary Title Report to Samaan and me. Mara Escrow
1-+ did not. howeva. deliver the fully executed Purchase Agreement.
16 Lacks foundation. no personal knowledge. Evid. Code ~~ 400-403.702.

17 Impermissible secondary e\idence. Evid. Code ~ 1521. Improper legal
18 conclusion/argument. Evid. Code ~~ 800. 80 I.
20 Overruled: - - - - - - -
21
Objection Number 19
"
--'
Onc day later. I notitied Libow that I was submitting the loan to the lender.
Country" ide for approval but that the lender would not receive it until October 12. because
26 Monday October II was a holiday.
28 Lacks foundation. no personal knO\vledge. Evid. Code ~~ "+00--+03.702. Hearsay.
50 / 745 1 - h id<:ntiar: Objections in Support \1[' Dd(:nJant, Clppo,ition to

Court File: "Volume IV Continued" --)_. \!()[ion r()r Suml11an ludgment
Case \,)0. 5C087400
Overruled: - - - - - - -
3
5 Evidence: Page 5. Paragraph II. Lines 24-26.
6 The following \\eek. on Friday. October 15. I learned that the lender. Countrywide.
7 \\ as suspending a decision on the loan because Zernik had not yet sent me the fully executed
8 Purchase Agreemt.:nt.

12 Overruled: - - - - - - -
13
16 I immediately contacted Mara Escrow and urgcd thcm to send me the fully executed
17 Purchase Agrt:ement.
19 lkarsay. Lacks foundation. no personal knowledge. Evid. Code §§ 400-403.702.

, /~
21 Overruled: v· _
/7
24 Evidence: Page 5. Paragraph II. Lines 26-27.
The folkming Monday. October 18. Mara Escrow sent me some additional
26 documents. but still not the fully executed Purchase Agreement.
28 Lacks foundation. no personal knm\lcdgc. Evid. Code §§ 400-403.702.
_?6 f \ id.:nlial} Ohj.:crioll:' in Suppor1 ()f IktC:Jlllanrs Opposition to

51 / 745 - \ lotion [(H )urnmar) judgmt:nl
Samaan v Zernik (SC087400) Los Angeles Superior Court Case ,\<0. SC087~OO
Impermissible secondary evidence. Evid. Code ~ 152 I. Improper legal
7 conclusion argument. Evid. Code ~~ 800. 80 1.
-------
Overruled: - - - - - - -
5
8 Not having received the fully executed Purchase Agreement. I pleaded with
9 Country\\ide to conditionally approve the loan.
11 Hearsay. Lacks foundation. no personal knowledge. Evic!. Code ~~ 400-403.702.

13 Overruled: - - - - - - -
14
17 On Monday October 18. at my urging. Countrywide conditionally approved the loan.

19 Hearsay. Lacks foundation. no personal knmvlcdgc. Evid. Code ~~ 400-403.702.
21 Overruled: - - - - - - -
22
Objection Number 25
25 I inltmned Libow of this fact and told him that the loan is conditioned on the appraisal
26 revie\\ due by the end of the \\eek. October 22. and the lender receiving the executed
28
_77- E\iJ.:nriQf) Ohjcctions in Support or Dc:kndants Up position to

52 / 745
- . \Iot;on for Summar; Judgmc:nt
Samaan v Zernik (SC087400) Los Angeles Superior Court Case "Jo. 5C087400
Hearsay. Lacks foundation. no personal knO\vledge. Evid. Code ~~ -+00--+03.702.

.+ Overruled: _.....J<:... _
5
8 On Thursday. October 2 L 1 contacted Mara Escrow and informed them that 1 \vas
9 readY"' to order all the loan documents. but could not do so until 1 received the fullv. executed
12 Hearsay. Lacks foundation. no personal kncmledge. Fvid. Code ~~ 400-403.702.

14 Overruled: - - - - - - -
15
18 1 also told Mara that the lender would not approve the appraisal rcvic\v until had a
19 fully executed Purchase Agreement. initialed on every page by Zernik.
20
J'"' IIcarsay. I.aeks foundation. no personal knowledge. Evid. Codt: ~~ 400-'+03.702.

/
/
24 Overruled: - - - - - - -
28 On Friday. October 22. I called Mara Escrow and pleaded for a fully executed
53 / 745
-28-1::\ idcntidr~ Ubj<.'ction) in Support of Dcknddllts Opposition to
Court File: "Volume IV Continued" \!I)t!on tor Surnmar~ Judgm<.'nt
Samaan v Zernik (SC087400) Los Angeles Superior Court Case :\0. SC087.+00
Purchase agreement so I could forward it to Country\vide so they could approve the appraisal
.2 review of the Property. At this point. the only thing preventing the Country\\ ide from
3 completing its review of the appraisal of the Property \\ as the fact that it had not received a
..t fully c:\ccuted Purchase Agreement initialed on every page by lernik.
6 Hearsay. Lacks foundation. no personal kI1(m ledge. Evilt Code ~~ ..t-OO-..t-03,702.
7 Improper legal conclusion/argument. Evid. Code §§ 800. 801. Speculation.

9 Overruled: ---"------
10
II Objection Number 29
13 At approximately 3A2 p.m. Mara Escrow sent me a copy of the Purchase Agreement.
14 Attached hereto as Exhibit 24 is a true and correct copy of the facsimile cover sheet and
15 Purchase Agreement Mara Escrmv send me on October 22. 2004. This document is not
16 initialed on every page by Zernik showing that as of 3A2 p.m. on October 22. Zernik had yet
17 delivered to Mara Escro\\ a fully executed Purchase Agreement.
19 Hearsay. Lacks foundation. no personal knowledge. Evid. Code §§ 400-403,702.
20 Improper legal conclusion/argument. Evid. Code §§ 800. 80 I. Improper authentication.
21 Speculation. Impermissible secondary evidence. Evid. Code ~ 1521.

Overruled: _ _/\ /
_
24
Objection Number 30
27 Subsequently. later that day. Mara Escrow sent me a fullv executed copy of the
_') 9- E\ ilkntiar; ()bj~ction, i11 Support of Dcfc:ndanb Opposition to

54 / 745
- . \llH:OIl ;l)f Summaojudgmcllt
Samaan v Zernik (SC087400) Los Angeles Superior Court Case \Jo. 5C087400
Lacks foundation. no personal knO\\ kdge. Evid. Code ~§ -l00--l03. 70~. Speculation.
-------
Overruled: - - - - - - -
5
7 Evidence: Page 6. Paragraph 1-l. Lines 27-28.
8 Apparently. at some point after 3A2 p.m. on Friday. October ~2. Zernik went to Mara
9 Escrow and initialed every page of the Purchase Agreement.
11 Lacks foundation. no personal knowledge. Evid. Code ~~ -lOO--l03.702. No

12 foundation has been established for Parks having any personal knO\vledge of whether Zernik
13 went to Mara Escrow on Friday. Oct()ber 22. 200-l. Speculation.
1-l Court's Ruling on Objection 31: Sustained: - - - - - - -
15 Overruled: - - - - - - -
16
18 Evidence: Page 6. Paragraph 14. Line 28 - Page 7, Line 1.
19 I immediately forwarded the fully executed Purchase Agreement to Countrywide.

20 then emaikd Libow to provide him with an update.
}} Lacks foundation. no personal knowledge. Evid. Code ~~ -lOO--l03.702. Hearsay.

23 Impermissible secondary evidence. Evid. Code ~ 1521.
Overruled: - - - - - - -
27 Evidence: Page 6. Paragraph I..+' Line 28 - Page 7. Line 1.
28 immediately fOf\varded the fully executed Purchase Agreement to Countryvvide.
55 / 745 "\ 0 h idcnriar:- Obiectil1ll> in SU[1[1ort lir Defendant> O[1positilln to

Court File: "Volume IV Continued" -.J - \lotion tllr Summar:- judgment
then emailcd LibO\\ to provide him with an update.
3 Lacks foundation. no personal knowledge. Evid. Code ~~ 400-'+03.70:2. Hearsay.
4 Impermissible secondary evidence. Evid. Code ~ 1521.

() Overruled:
-------
7
10 The flowing Monday. October 25. I relieved the lender appraisal approval and
II immediately informed Libow of the same. Attached hereto as Exhibit 25 is a true and
12 correct copy of my email to Libow dated October :25. 2004.
14 I{carsa). Lacks foundation. no personal knowledge. Lvid. Codc ~~ 400-.f03.702.
15 Impermissible secondary evidence. Evid. Code § 1521. Misstates e\idence.

17 Overruled: - - - - - - -
18

21 The only rcason Countrywide did not approve the appraisal of the Property vvas that
22 we did not timely receive the Preliminary Title Report and the executed Purchase
Agreement.

25 Lacks foundation. no personal knmvledge. Evid. Code ~~ 400-403.702. Improper
26 legal conclusion! argument. Evid. Code §§ 800. 801.

/
27 Court's Ruling on Ohjection 35: Sustained: - -
J
-----
28 Overruled: -------
56 / 745
'" I E \ iJentiJI! Ohjcctions III Suprorr of Ddcndants Opposition to
Court File: "Volume IV Continued" -j - . \lotion,orSummanjudgmt:nt
Samaan v Zernik (SC087400) Los Angeles Superior Court Case ;\io. SC087400
Objection Number 36
J Evidence: Page 7. Paragraph 16. Lines 12-1-1-.
3 Here. lernik and Libo\\ did not deliver the Preliminary Title Report to me until
-1 Thursday. October 8. 200-1-. one day before a three day \\eckend. Therefore. Countryvvide
5 did not have the Preliminary Title Report until Tuesday October 12.
6 Grounds for Objections:,
7 Lacks foundation. no personal knowledge. Evid. Code ~~ -1-00--1-03.702. Improper
8 legal conclusion/argument. Evid. Code ~§ 800. 80 I.
9 Courfs Ruling on Objection 36: Sustained: - - - - - - - -
10 Overruled: - - - - - - - -
II
13 Evidence: I>age 7. Paragraph 16. Lines 1-1--17.
1-1 But even \\ith the preliminary title report Countrywide \\ould not approve the
15 appraisal until it had the Purchase Agreement. vvhich Zernik did not provide to us until
16 Friday. October 22. one day before he attempted to cancel escrow.
18 Lacks foundation. no personal knowledge. Evid. Code §§ -1-00--1-03.702. Improper
19 legal conclusion/argument. Evid. Code §§ 800. 80 I.
20 Court's Ruling on Objection 37: Sustained: ---~----
21 Overruled: - - - - - - -
22
2-1 Evidence: Page 7. Paragraph 16. Lines 17-18.
25 [n:n with all oflerniks' delays. the loan was approved on October 22.
27 Lacks foundation. no personal knowledge. Evid. Code §§ -1-00--1-03.702. Improper
28 legal conclusion/argument. Evid. Code §§ 800. 801 .
..,) r:\ iJentiar: Obj.:l'tions in ~upport of Dckndanh Opposition [0

57 / 745
-J_ \lolion t<Jr Summar: judgment
Samaan v Zernik (SC087400) Los Angeles Superior Court Case \,)0. SC087.tOO
Overruled: ----,------
3
Objection Number 39
6 I \Ve had one full week before the deadline for close of escrO\\.
8 Hearsay. Lacks foundation. no personal knowledge. Evi(t Code ~~ -1-00--1-03.702.
9 Improper legal conclusion/argument. Evid. Code §~ 800. 801.
10 Cou rt's Ruling on Objection 39: Sustained: - - - - - - -
I1 Overruled: - - - - - - -
12
15 [t \vould have taken a few days for the loan documents to be prepared. Based on my
16 experience I believe that the parties could have closed escrow by November 1. 2004. If
17 lernik had complied with his obligation to provide Samaan with a fully executed Purchase
18 Agreement by September 27. 2004. Samaan \vould have been able to remove the Appraisal
19 Contingency by October 11. 2004.
21 Hearsay. Lacks foundation. no personal knO\\ ledge. Evid. Code ~~ 400-403,702.

22 Improper legal conclusion/argument. Evid. Code §§ 800, 801.
23 Court's Ruling on Objection 40: Sustained: --~-----
/
24 Overruled:
28 Attached hereto as Exhibit 26 is a true and correct copy of the appraisal of the
_33- b idcntiar~ Objections in Support uf fkkndants Opposition to

58 / 745
. \Iution tor Sllmmar~ .iudgment
Samaan v Zernik (SC087400) Los Angeles Superior Court Case No. 5C087400
Property done by Propaty Sciences Group. Inc .. appraising the Property at $1.718.000 as of
7 October 2. 2004.
4 1karsay. Lacks foundation. no personal knO\\ledge. Evid. Code ~~ 400-403.702.
5 Improper legal conclusion/argument. Evid. Code ~~ 800. 801. Improper authentication.

--~-----
7 Overruled: I",. .
--'"'------
8
9 OBJECTIONS TO DECLARATION OF MARIA MCLAURIN IN SUPPORT OF
10 PLAINTIFF NIVIE SAMAAN'S MOTION FOR SUMMARY JUDGMENT
12 Evidence: Page I. Paragraph I. Lines 4-8.
13 I am the branch manager for the San Rafael branch of Country\\ide Home Loans. Inc.
14 ("Country\\idc··). the branch that processed the loans for \\hich Nivie Samaan applied to
15 purchase the property at issue in this case (designated as Countrywide loan numbers
16 81737375 and 81737383). I have personal knowledge of all facts set forth in this
17 declaration. and if called as a witness could and would testify competently thereto.

20 foundation has been established for McLaurin having personal kno\\ ledge or the Samaan's
21 loan application tile. Indeed. McLaurin merely states that she is a branch manager, she
77 offers no explanation of hO\\ her role as branch manager gave her personal knO\\ledge.
23 Cou rt's Ruling on Objection 1: Sustained: - - - - - - - -
Overruled: - - - - - - - - -
27 Evidence: Page I. Paragraph 2. Lines 13-15.
28
_34_ l .\ld':fltiar> Obj.:ctlnfl, in SurrHJn \ll'fkkndants ()ppnsililln to

59 / 745 \ lotilln !llr Summar> judgment
Samaan v Zernik (SC087400) Los Angeles Superior Court Case 1\0. 5C087400
The records that I revie\\ed are maintained in the ordinary course of Countrywide's
2 business. created at or near the time of any events in question and stored in the ordinary
3 course of Countrv\\ide' s business.
5 Hearsay. Improper authentication. Lacks foundation. no personal knowledge. Evid.
6 Code ~~ 400-403.702. No foundation has been established for these records being the type
7 of record customarily kl:pt by Countrywide. No foundation has been established for the
8 entries on these records having been made by someone under a duty to make such entries.
9 Taylor v. Centennial Bowl, Inc. (1966) 65 C2d. 114. No foundation has been established for
10 McLaurin's firsthand knowledge of the information in the records or her obtaining such
II information from someone under a duty to report such information to her. No foundation has
12 been established for the records being made at or near time of the act or event recorded. No
13 foundation has been established for McLaurin's qualification to authentic these records. No
14 foundation has been established as to the identity and mode of preparation of the documents.
15 Evid. Code ~ 1271. Gee v. Timineri ( 1967) 248 CA2d 139. 146.

17 Overruled: - - - - - - - -
18
21 The loan \\as suspended. however, because Country\vide had not yet received a copy
// of the fully executed purchase agreement.
24 Hearsay. Lacks foundation. no personal knowledge. Evid. Code ~§ 400-403.702. No
25 foundation has been established for any alleged requirement that County\\ide must receive a
26 copy of ..the fully executed purchase agreement.·· No foundation has been established for
27 these records being the type of record customarily kept by Countr: \vide. No foundation has
28 been established for the entries on these records having been made by someone under a duty
"'':;: fe\ iJc'nti~lry Ohjections in SlIpJlort of Defendants Opposition to

60 / 745 - j .'
\!otion t"or'illmmar:- .judgment
to mak~ such I:ntri~s. Taylor \'. Cellfel7l7ia! Bowl. l11C, ( 1966) 65 C2d, 114. No foundation has
'1 heen estahlished for McLaurin's tirsthand knowledgc'ofthe information in the records or her
3 ohtaining such information from someone under a duty to report such information to her. No
4 foundation has heen established for the records being made at or near time of the act or event
5 recorded. No foundation has heen established for ivlcLaurin's qualitication to authentic
6 these records. Improper legal conclusion/argument. Evid. Code ~~ 800. RO 1. No foundation
7 has heen estahlished as to the identity and mode of preparation of the documents. Evid.
8 Code ~ 1.27 I. Gee v. Timineri ( 1967) 248 C A2d 139. 146. Improper authentication.
10 Overruled: - - - - - - -
II
1.2 Objection Number 4
13 Evidence: Page I. Paragraph 4. Lines .25-.28.
14 L~ased on the information she provided and suhject to any later arising conditions. Ms.
15 Samaan olhemise qualitied for the loans. and if all underwriting and lender conditions v"ere
16 met. including the receipt of a fully executed purchase agreement. Country\vide would have
17 processed the loans.
19 Hearsay. Lacks foundation. no personal knowledge. Evid. Code ~~ 400-403.702 .
.20 Improper legal conclusion/argument. Evid. Code ~~ 800. 80 I.

22 Overruled: . /
-------
23
25 Evidence: Page 2. Paragraph 5. L.ines 1-7.
26 Country\\ ide requires a fully executed purchase agreement (signed and initialed on
27 e\ery page \\here applicable by both buyer and seller) before approving and funding a
28 purchase money loan. A fully executed purchase agreement enables Country\vide to approve
..
61 / 745
_36_1:\ identiar) Objection, in SUPPO!1 \)1 Deknd3nh Opposition to
Court File: "Volume IV Continued" \Iotion tllr "ummar) judgment
the appraisal of the property prior to approving a loan. because the terms of the purchase
') agreement may affect the value of the property. Country\vide \vill not approvc a loan until it
3 has revie\vcd and approvcd the appraisal on the property for \\ hich the loan is being
4 obtailh:d.
6 Hearsav. Lacks foundation. no personal knowledge. Evid. Code ~~ 400-403.702.
7 Improper legal conclusion/argument. Evid. Code ~~ 800. 801.
9 Overruled: ------""-----
10
11
OBJECTIONS TO DECLARATION OF ALFRED CANINO IN SUPPORT OF
12 PLAINTIFF NIVIE SAMAAN'S MOTION FOR SUMMARY JUDGMENT
15 I am a Senior Loan Officer at Metrocities Mortgage. one of the largest independent
16 mortgage banking tirms in the United States.
18 Lacks foundation. no personal knmvledgc. Evid. Code ~~ 400-403.702. No

19 foundation has been established for Alfred Canino having any personal knowledge of the
20 subject matter of his declaration. Hearsay.
21 Court's Ruling on Objection 1: Sustained: ----""7"----
22 Overruled: -------
23
26 Attached hereto as Exhibit B is a true and correct copy of the Home Loan Pre
27 Approval issued by Metrocities Mortgage to Ms. Nivie Samaan. indicating that she is pre
28 approved for a loan to purchase 320 South Peck Drive. Beverly Hills. California.
_37 f \i'kntiar:- OhkLtilln~ in SurrUr1 U( Defendants Uppo~ition to

62 / 745
\Iotioll t\)r Summar:- .iudgment
Lacks foundation. no personal knO\\kdge.· E\id. Code ~~ '+00-403.702. No

3 foundation has been established for Alfred Canino having any personal knowledge of the
4 suhject matter of his declaration. Hearsay. Improper authentication. Impennissiblc
5 secondary evidence. Evid. Code ~ 1521. No exhibit \vas attached to the version served on
6 /ernik.
- - - - - - - -
g Overruled:
----=~-----
10
II
12 IT IS SO ORDERED.
13
14 DATED: .2007
J5
16
• 1 :
-,-,'i_C;'~Ll '__ LJ~\~t \ //~L ;~~
17
JUDGE JAQULloINE ~)' CONNOR
18 ) - /
19
20
2\
22
23
2.+
25
26
27
28
_38-[\ iJentlar:- (lbjectiUfh ill ')uprlllr! or Ddendallts ()ppusitilln to

63 / 745
\lotion [(lr Summar: judgment
PROOF OF SERVICE
STATE OF CALIFORNIA. COUNTY OF LOS ANGELES.
"
j I am employed in the County of Los Angeles. State of California. I am over the age
of 18 and not a party to the \\ithin action: my business addrcss is 12100 Wilshirc Boulevard.
Suite SOO. Los Angeles. California 90025.
5 On July 26. 2007. I sened the foregoing documcnt described as DEFENDANT'S

OBJECTIONS TO PLAINTIFF NIVIE SAMAAN'S EVIDENCE SUBMITTED IN
6 SUPPORT OF HER MOTION FOR SUMMARY JUDGMENT envelope addressed to:
7
Moe Keshavarzi Robert J. Shulkin
8 Sheppard. Mullin. Richter. & Hampton LLP Cold\vell Banker Legal
th th
333 South Hope Street. 48 Floor 11611 San Vicente Boulevard. 9 Floor
9 Los Angeles. California 90071 Los Angeles. California 90049
10
BY MAIL: I caused such envelope to be deposited in the mail at Los Angeles.
1I California. The envelope was mailed with postage thereon fully prepaid. I am readily
familiar \\ith the firm's practice of collection and processing correspondence for
12 mailing. It is deposited Vvlth the United States Postal Service on that same day in the
ordinary course of business.
13
D BY PERSONAL SERVICE: I caused such envelope to be personallv delivered by
hand to the offices of the addressee. .
1-l
15 D BY fEDERAL EXPRESS:
emelope is _
The Federal Express package tracking number for this
__. and the envelope \vas sent [model for receipt
16 on l day J. Idater ~
17 D BY FACSIMILE MACHINE: The above-referenced document \vas transmitted by

facsimile transmission and said transmission \vas reported as complete and \vithout
error.
18
Executed on July 26. 2007. at Los Angeles. California.
19
(State) I declare under penaltv of perjury under the laws of the State of California
20 that the above is true and correct.
21
22
23
2-l
26
27
28
64 / 745
Joseph lernik
In Pro Per
320 S. Peck Avenue
;
~4
.
...
'
~ .~
.'1,
.
J
.~ "
~
"'>
~
Beverlv Hills. California 90212
310-43"5-9107
5
6
7
8
9
NIVIE SAMAAN. an individual. ) Case No. SC087400
10 )
Plaintit1~ )
Assigned/or all purpose.)' to the Honorable
II )
v. ) Jacqueline Connor
12 )
JOSEPH ZERNIK. an individual. and DOES ) DECLARATION OF JOSEPH ZERNIK
13 1 through 20. inclusive. )

) IN SUPPORT OF HIS OPPOSITION TO
14 ) PLAINTIFF NIVIE SAMAAN'S MOTION i
i
Defendants. ) FOR SUMMARY JUDGMENT
15 - - - - - - - - - - -----)
JOSEPH ZERNIK. an individual. {

Hearing:
16
Cross-Complainant, ) Date: August 9. 2007
17 ) Time: 8:35 a.m.
v. )
18 )
Place: Department "WE-I"
COLDWELL BANKER RESIDENTIAL )
19 )
BROKERAGE: MICHAEL LlBOW. an )
20 individuaL )
)
21 Cross-Defendants. )
)
'-------- )
23
24 I. JOSEPH 7ERNIK. hereby declare as foIlO\\s.
25 I. I am the defendant in Samaan v. Zernik. Los Angeles County Superior Court
26 Case NO. SC087400. As such. I have personal knowledge of the facts set forth herein \\hich
27 I knO\\ to be true and correct and. if called as a \vitness. I could and would competently
28 testify \vith respect thereto.
[)~C laration of Joseph Z~rnjk

65 / 745 -1
Court File: "Volume IV Continued" Case No, SC087400
2. I submit this d~c1aration in connection \vith my Opposition to plaintiff Nivie
2 Samaan's ("'Plaintiff") Motion for Summary Judgment.
3 3. In or about July 2004. I entered into a listing agreement with Michael Libow
4 ("'Libow") of Coldwell Banker Residential Brokerage to list my real property located at 320
5 South Peck Avenue, Beverly Hills. California 90212 (the "Property") for sale. Shortly after
6 listing the Property for sale. Plaintiff submitted an offer to purchase the Property for
7 $ 1.670.000.
8 .f. From the outset of this transaction (the presentation of this initial offer)
9 Plaintiff fraudulentlv induced me to enter into an agreement to sdl mv house. Indeed, at the
~ ~ -
10 time Plaintiff submitted her offer. on her fax coversheet she affirmatively represented that
1I she was representing herself in this transaction. A true copy of the fax covershcet enclosing
12 Samaan's initial offer is attached hereto as Exhibit A. Later. Plaintiff stated "My apologies
13 if I miss spoke on my voicemail message to you earlier. I'm a health & Beauty Consultant
14 by profession. but have a Real Estate license and sell a few properties a year." A true copy of
15 Plaintiffs fax covershect to Libow is attached hereto as Exhibit B. Then. during her
16 deposition. she further recanted her representation by explaining that she had never sold any
17 property at all. Sec. Samaan Deposition Exhibit . 14: 6-16.
18 5. did not accept PlaintitTs initial otTer for many reasons. I was primarily
19 concerned about the validity of an offer from a real estate agent representing herself. Indeed.
20 I preferred to entertain otfers from potential buyers who were represented by independent
21 agents or brokers. I firmly believe that an offer presented by an independent real estate agent
22 or broker has the advantage of being evaluated and verified by a third party before being
23 presented to me. In addition. several of the terms of the offer \\ ere not at the level I sought.
24 For example. Plaintiffs offer had a very low initial deposit of 510.000 for a purchase of
25 51.670.000. which represents .59 percent of the total purchase price. \vhich is far below the
26 standard set forth in the contract of 3%. This was concerning to me because I kne\\ if
27 Plaintiff later \\as unable to qualify for a loan or \vas umvilling to proceed \vith the purchase
28 of the Property. she \\ould have a relatively small amount of liquidated damages in
-2 Declaration of Joseph lernik

66 / 745
Court File: "Volume IV Continued" Case \io. SC087-100
cnmparison to th~ ov~rall purchase price and the risk I \\ould undertake in accepting an offer
'1 from a real estate agent representing herself.
3 6. I expressed my concerns about Plaintiff s initial offer to L ibcm \\ ho suggested
.:+ that \\e obtain a pre-qualification letter from Plaintiff. LibO\v maintained that a
5 prequalilication lett~r \\ould provide ~xtra assurances that Plaintiff would have the linancial
6 ability to purchase the Property. Therefore, on September 7, 2004, Plaintiff informed Libmv
7 that "My lender should be faxing a letter about my qualification:'
8 7. In reality, Libow received a facsimile on September 7, 2004 purportedly from
9 Plaintiffs mortgage loan broker (not Iter lender) \\herein he claimed that Plaintiff had been
10 "pre-qualified to purchase a $1. 700.00 home with 8011 Oil 0 financing." True copies of the
II document purporting to be Parks' fax cover sheet and pre-qualification letter are collectively
12 attached hereto as Exhibit C. At that time, I believed that Plaintiff had been pre-approved
13 by an independent broker. In reality, Plaintiff never disclosed to me that Parks was her then
14 liance'scousin.
15 8. I \\ould later discover that Parks' signature on the pre-qualification letter was
16 vastly different than the signature I reviewed on Parks' declarations Fl1ed in this case. In
17 order to make a valid comparison. I compared Parks' signature on his October 29, 2006
18 declaration submitted in opposition to my motion to expunge lis pendens to his signature on
19 the pre-lJualilication letter and on Samaan's original Uniform Residential Loan Application.
20 Based on my revie\\ of those three documents, I cannot be sure as to \vhich is the correct
21 version of Parks' signature. For ease of reference, r prepared a chart to compare those
22 signatures side by side. Even a cursory review of those signatures reveals that they arc not
23 similar. and therefore, I do not know which is the correct version. Therefore. I cannot
24 ascertain with any certainty \vhether Parks actually signed the pre-qualilication letter. A true
25 copy of the side by side comparison signature chart along with a copy of the supporting
26 documents is collectivdy attached hereto as Exhibit D.
27 9. My suspicion regarding the validity of the pre-qualitication \vas further

2R heightened \vhen I discovered through emails sent by Libo\V that certain that certain
67 / 745 -3 Dt.?claration of Joseph Zernik

Court File: "Volume IV Continued" CaSe ~o. 5C087400
facsimile transmissions that Libow intended to send to Parks were actlla/(r forwarded to
') Samaan's facsimile mac/line. When LibO\v discovered these facts he sent an email to Parks
3 \vherein he inquired as to why facsimiles he sent to Victor \vcre re-routed to Plaintiffs fax
-+ machine. Parks. hO\\t~vcr. never provided an explanation. To this day. it is unclear \vhether
5 .
Libow' s facsimiles \vere received bv Plaintiff or Parks. given that Parks \\as
~
1'0[\\ arding~
his
6 facsimiles to Plaintiff. True copies of 1\\0 of Libow's emails \\here he asked Parks to
7 explain the diverted facsimiles are collectively attached hereto as Exhibit F.
8 10. I have conducted discovery in this matter. including subpoenas to Mara Escrow
9 Company. document requests to Plaintiff. subpoenas to Countrywide and subpoenas to
10 Victor Parks. However. to my knowledge, no document has ever been produced through
1I discovery that indicates that Victor Parks actually reviewed Plainti tTs written application
12 and credit report as he \vas required to do by section 2( G) of the Purchase Agreement. In
13 fact. in Samaan' s deposition she even stated that she had never spoken to Parks regarding
14 this loan transaction. See. ~ 37. Exhibit T 41: 18-19.
15 The Counter Offers
16 11. On or about September 10. 2004. I submitted a counter-offer to Plaintiff
17 (Counter-OITer No.1). A copy of Counter-Offer No.1 produced by Plaintiff in this action is
18 attached hereto as Exhibit F. The tenns of the offer. among others. increased the purchase
19 price to $1. 718.00 and provided for an initial deposit of 3% of the purchase price or $51.540.
20 12. On or about September 11. 2004. PlaintifT accepted Counter-Offer No. 1
21 subject to the terms of Counter-afTer No.2. which she purportedly attached to her
acceptance. Counter-Offer No.2 incorporates by reference. in paragraph 1 the terms and
23 conditions of Samaan's Initial Offer. The materially different terms of Counter Offer No.2.
24 provided for an initial deposit of $15.000 to be deposited \vithin three business days of
acceptance and an increased deposit of an additional S 15.000 to be deposited \vithin 14 days
26 of acceptance.
27 13. On September 15. 2004. I accepted Counter OtTer No.2 by signing Paragraph
~8 6. Dct\:ndant then facsimiled a copy of my acceptance to Plaintiff On September 16. 2004.
68 / 745
Declaration of Joseph Zernik
-4
Court File: "Volume IV Continued" Case l\io. SC087400
Plaintiff initialed the "Continnation of Acceptance" and facsimiled a copy of her
2 acknowledgment of acceptance to Defendant. A true copy of Plaintiffs September 16. 200-l
3 acceptance of Counter-Offer No. 2 is attached hereto as Exhibit G. Indeed. Plaintiff
-l contirmed"A copy of Signed Acceptance was personally recein:d by the maker of the
5 Counter Offer. or that person's authorized agent.·· In other \\ords. Plaintiff conlirmed that
6 she had received aful(l' executed acceptance from me.
7 l-l. Through recent discovery in this matter. on or about June 8. 2007. I obtained
8 from Mara EscrO\v a document production in response to my duly served subpoena.
9 received sen:ral documents that indicate that from the very beginning of escrow. Plaintiff
10 refused to abide by the terms and dates provided in the Contract. Indeed. I learned that
II Plaintiff did not attempt to make her initial deposit of $15.000 to Mara Escrow until
[2 September 27. 200-l (7 days after she was required to do so). I also learned that when she
13 presented a check to escrow. pre-dated to September 24. 2004. the check failed to clear due
l-l to insufticient. Unbeknovvnst to me at that time. Plaintiffs check l~lilcd to clear. due to
15 insufticient funds. on two separate occasions. True copies of the documents indicating the
16 many attempted deposits attempted by Samaan as well as the declaration of the custodian of
17 records of Mara Escrmv Co. arc collectively attached hereto as Exhibit H.
18 IS. On October -l. 2004. after Mara Escrow contacted Plainti 1'1' regarding the fact
[9 that checks failed to clear due to insufficient funds. Plaintiff presented a cashier's check for
20 the initial deposit. However. by October 4. 2004. Plaintiffs initial check was already /4
21 days late. And. Plaintiffs second deposit of $15.000. per the terms of Counter Offer No.2.
22 was also overdue. f ler second deposit vvas due within 14 days of acceptance or on
23 September 29. 200-l. Plaintiff did not actually present ha second deposit until October 12.
2-l 200-l. 27 days after acceptance and /3 days late.
16. Throughout the escrow period I was unaware of the problems Samaan was
26 experiencing in obtaining a purchase money loan for the Property. Alter Plaintiff tiled the
27 instant action against me. I sent several subpoenas to different Country\\ ide entities. In
28 response. I received several key documents that indicated that Plaintiff \\as never approved
69 / 745 -5 Dcc laration of Joseph Zernik

Court File: "Volume IV Continued" Case '\0. SC087400
for a loan for the Property.
1 17. One document produced by Country\\ide in response to my duly served
3 subpoena of February 8. 2007. \\as Country\vide's Clues Analysis Report (the "Clues
4 ReporC). I am informed and believe that this document \\as generated by Country\\ide's
5 internal loan anahsis sothvare. The Clues Report of October 14. 200,+' indicated that
6 Plaintiffs loan application had drawn several read !lags. In particular. the Clues Report
7 indicated that "Reduced documentation is not allowed on a Non-Conforming Mega
8 Loan The max loan amount is $1.000.00 on Non-Conf ARM Fixed Period · In other
9 words. Plaintiff had applied for the wrong type of loan. She applied for a reduced
10 documentation loan program. but she exceeded the maximum loan amount. Therefore.
II Plaintiffs Uniform Residential Loan Application was completely invalid. The Clues Report
12 also indicated that because Plaintiff was a real estate agent rcpresenting herselt: she was not
13 allowed to usc any commission earned from the sale of the property towards any down
14 payment. closing costs or reserves for this transaction. True copies of the October 14. 2004
15 Clues Report produced by Countrywide. along with the declaration of their custodian of
16 records are collectively attached hereto as Exhibit I.
17 18. Through all of the discovery conducted In this case. Countrywide and
18 Plaintiff have never produced a loan application from Plaintiff with a date after the October
19 14. 2004 Clues Report. Plaintiff has presented no evidence to suggest that she ever
20 resubmitted a valid Unifonn Residential Loan Application (Form 1(3). Therefore. she was
21 incapable of being approved for a loan by Countrywide. on that reason alone.

1; 19. The Clues Report also indicated that Plaintiff did not have the 6 months of
23 resef\ es required for the loan she applied for. As a result of Plaintiffs invalid loan
24 application and her lack of adequate reserves. the Clues Report made a REFER
25 determination. rather than approving the loan for Plaintiff.
26 20. Country\\ide also produced an Undenvriting Decision Letter dated October 14,
27 2004. In letter. the duly assigned underwriter. Diane Frazier. indicated that Plaintiff needed
28 to resubmit valid Uniform Loan Applications. Form 1003. with the correct interest rate
70 / 745 -6 Declaration of Joseph Zanik

Court File: "Volume IV Continued" Case No. SC087-l00
applied to the request loan and fol1owing true and correct loan program guidelines. In other
! \\ords. Plaintifhvas required to suhmit a ne\\ valid loan application based on a different loan
3 program and different applicahle interest rates. A true copy of Country\\ide's Octoher 14.
4 2004 Underwriting Decision Letter is attached hereto. as produced bv Plainti ff at her
5 deposition. as Exhihit 1.
6 21. The October 14.2004 UndenHiting Decision Letter bears a facsimile header in
7 the upper left corner \\ hich indicates that the document was received hy someone (it is not
8 clear who received this document) on October 14. 2004. It is not clear who sent the
9 document either. This version matches the version produced by C ountry\\ ide. see paragraph
10 22. This UndenHiting Decision Letter indicates that Plaintiffs loan application \vas
11 suspended on Octoher 14.2004 and that it would be "closed for incompleteness" if Samaan
12 did not satisfy the conditions set forth therein. One of those conditions. clearly stated that
13 Samaan must submit a valid Uniform Residential Loan Application (Form 1(03). Samaan
14 never did. Nevertheless. this document sds forth no less than 16 conditions Samaan was
IS required to fullill.
16 22. Through recent discovery. I also discovered that Plaintiff had made several
17 material misrepresentations in connection with her loan application. \vhich also caused her to
18 meet resistance when she was purportedly trying to obtain a purchase money loan for the
19 Property. Indeed. on Plaintiffs loan application she indicated that she \vas unmarried, even
20 though she was actual1y married in September 2004. Plaintiff had also indicated on her loan
21 application that she was self-employed and received no other income. despite the fact that
77 she also claims to be a cosmetic saleswoman at Barney's Department Store. Plaintiff
23 indicated that she had been at her job (presumably the self·employed one) for the past four
24 years even though her corporation was fonm:d only a year earlier. Plaintiff also. among
other things. misrepresented that her main asset was Spellbound Corporation. \vhich she
26 valued at ~500.000. The documents produced by Countrywide indicate that they asked her
27 for a copy of Spel1bound Corporation's Financial Statement. but those same documents also
28 indicate that she never produced such a statement. True copies of Plainti ff s loan application
71 / 745 -7- Dec laration of Joseph Zemik

Court File: "Volume IV Continued" Case 010. SC087400
from th~ produc~d by Country\vide in response to my subpoena ar~ collectivdy attached
I hereto as Ex.hibit K.
3 23. Parks signed Plaintiffs Original Uniform Loan Application at the bottom of
4 page 3 in the space provided for the int~rviewer's signature. He indicated that he
5 intenie\ved PlaintitT by telephone. Yet during Plaintiffs deposition she testified that she
6 m:ver spoke to Parks about her loan application. See, Paragraph 37, Ex.hibit T, Samaan Decl.
7 41: 18-20.
8 24. During escrow, PlaintitT never disclosed the very significant problems she \vas
9 having obtaining a purchase money loan for the Property. Instead, she consistently
10 represented that the loan would be funded.
11 25. Plaintif[ through Victor Parks, made the follmving representations to Libow,
12 which I relied on in not canceling escrow at an earlier date:
13 • September 28, 2004: "th~ loan for Ms. Samaan begun today!! We've ordered
escrow, title & appraisal and estimate final loan approval within I() days'"
14
15 • October 5, 2004: "We \vill be ready to submit for loan approval tomorrow"
16
• October 7, 2004: "Please allow 3 business days for loan approval"
17
• October 8, 2004: ··.. to notify you that Samaan loan has been submitted to the lender
18 today. Please allow 3 business days for Loan Approval.
19
• October 15, 2004: ..... received your message yesterday afternoon and checked
20 with the lender. The Samaan loan is still in underwriting and should be approved
21 by Monday [October 181. 1"11 contact you if we get approval any sooner'"
• October 18, 2004: "We have conditional loan approval for the Nivie Samaan loan.
22 We are in contact with Ms. Samaan for the borrower conditions and escrow for
some items needed from them. We should be in a position to order loan documents
23
when the appraisal comes back from review by the end of the \\ eek lOctober 22.
24 20041'"
• October 19, 2004: Parks Statement: " ... the loan is approved ....' "r should have
26 the [appraisall review due Friday [October 22,2004] ... ··
27
• October 22, 2004: "We're experiencing phone problems, so \ve haven't been able
28 to receive call or faxes ..' "I spoke v,ith Countrywide a fe\\ minutes ago and they
72 / 745 Decl3r3tion of Joseph Zernik

-8
Court File: "Volume IV Continued" C3se No. SC087400
state the appraisal is still in re\'iew, but they're going to try to get a verbal ok for me
so I can inform Ms. Samaan that it's alright to release the appraisal contingency'"
True copies of these emails produced arc collcctin:ly attached hcn:to as Exhibit L.
26. fhe true facts regarding Samaan's loan application are vastly different then the
5
factually incorrect information Parks provided in his emails. Indeed. in Parks' own
6
declaration he contradicts his earlier cmails \vhen he declared that he did not submit
7
Samaan's loan application until October 12. 2004. Thus. the first four statements above
8
were absolutely false. And. the documents produced by Countrywide contradict Parks'
9
statement that he did not submit Samaan's loan application until October 12. 2004. because
10
on October 6. 2004. Countrywide \vas already conducting an investigation of Samaan based
II
on her suspect loan application. Indeed. in response to a subpoena [ served on Countrywide
12
Home Loans. Inc. (and its artiliates). Countrywide produced various documents. One of
13
those documents \vas a print out from smartpages.com. which indicated a reverse number
14
look-up from October 6, 2004. A true copy of the print-out Irom smartpages.com. produced
15
by Country\vide. is attached hereto as Exhibit M. Again. this document was created by
16
Countrywide prior to the date that Samaan claims she first submitted the loan. Logically.
17
this October 6. 2004 smartpages.com print-out \yould not be in existence if Samaan had not
18
already submitted her loan to Countrywide by October 6. 2004. In other \vords. there \vould
19
be no reason for Countrywide to be investigating the facts underlying Samaan's loan
20 application on October 6. 2004. if she truly (as Plaintiff falsely contends) did not submit the
21 loan application until October 12. 2004.
22
27. By October 14. 2004. Samaan' sloan appl ication was suspended because she
23
did not submit a valid loan application (for the correct loan program) and she did not satisfy
approximately 14 other conditions. Thus, Parks had no reason to represent that to me that
Samaan's loan \vas an~ \\here near approval. Indeed. in Parks' declaration he states that ··on
26
Friday. October 15, I learned that tht: lender. Countrywide. \vas suspending a decision on the
27 loan ... " In other words, Parks stated that he learned that the lender had suspended a decision
28
in the loan. yet at that time he was misleading me into believing the loan \\Ould be approved
73 / 745 Dec laration uf Joseph Zernik

-9
Case ~o, SC087-l00
on Octoba 18.2004. Conspicuously absent from Parks' emails is any indication of the need
.
for mv initials or siQ.nature. Further. even if Parks' statements are taken to be true for sake of
~
3 argument (they are not true). on their face they shO\\ a pattern of 111 isrepresentations and
4 delay by Parks and Samaan designed to induce me not to cancel the contract at an earlier
5 date.
6 28. [n reality. Plaintiffs loan had not been approved on that dat\:. \\hich is sho\vn
7 from that fact that on Octoba 25. 2004. McLaurin issued a referral of Plaintiffs loan
8 application to the Division Underwriting Support - Demetrio Gadi - for an exception
9 request. In the exception request Plaintiffs income is handwritten as $33.333 per month or
10 $400.000 per year. However. in the Exception Request report prepared by Gadi. there is a
I1 notation \vTitten by Kristin Ortin that "'Borrower's Income Should Be $33.333 Not $333.333,
12 which suggest that when McLaurin submitted the exception request she did so on the false
13 basis that Plaintiff had an income of $4.000,000 per year as opposed to $400.000 (a large
14 amount under either scenario for a cosmetics saleswoman). (Jadi placed various conditions
15 on Samaan's loan approval. none of which were disclosed to Zernik until the instant
16 litigation. Gadi added. among others. the following conditions to Samaan' sloan:
17 • The adding. 75% interest to the loan. as had been previously been determined by the
undervvriter who wrote the October 14,2004 Undervvriting Decision Letter.
18
19 • Samaan was to submit new and valid loan applications (form 10(3).
20 • Samaan would have to abide by the conditions and decisions previously stipulated
by the October 14. 2004 Undervvriting Decision Letter.
21
22 • McLaurin \\ as instructed to issue non-delegated mortgage insurance at a cost to the

Country\\ ide branch and to issue a certi tic ate to the fi Ie prior to funding. In other
23 words. Gadi wanted the Countrywide branch to purchase mortgage insurance for the
24 loan to alIO\\ recovery in the case of default.
25 There is no indication from the documents produced by Countrywide that Samaan's loan was
26 ever approved. Nevertheless. Plaintiff continued to induce Defendant not to cancel. when
27 she state that the loan either had been or would be approved in the ncar future. i\ true copy
28 of the WLO Exception Loan is attached hereto as Exhibit N.
74 / 745
Declaration of Joseph Zernik
-10
Court File: "Volume IV Continued" Case 0io. SC087-WO
Samaan Failed to Remove the Appraisal Contingencv in a Timely Manner
29. Paragraph 2(1) of the Purchase Agreement required the buyer (Plaintiff) to
remove the loan and approval contingency \vithin 17 days of acceptance. Plaintiff chose to
ignore this deadline.
5 30. On October 18. 2004. after I had been more than patient in waiting for Plaintiff
6
to remove her contingencies. I gave the plaintiff 24 Hours Notice to Perform provided for in
7
paragraph 14 C(1) and (4). A true copy of Notice to Perform No.1 is attached hereto as
8
Exhibit O.
31. Tvvo days after I issued the Notice to Perform. in Plainti rf s letter of October
10
20. 2004. she absolutely refused to remove the Appraisal Contingency by stating that she
1I "\\ iII not remove the appraisal contingency until I have received the lenders (sic) noti fication
12
that the value of the home is justitied.·· A true copy of Plaintiffs October 20. 2004 letter is
13
attached hereto as Exhibit P.
14
32. Consequently. on October 21. 2004 at 11 :30 a.m .. I cancelled the Purchase
15
Agreement and escro\\-. I cancelled by sending a letter to Plaintiff: Mara Escrow and Libow
16
wherein I indicated that because Plaintiff had failed to remove all contingencies in a timely
17
manner. I \vas electing to cancel escrow. A true copy of my letter of October 21. 2004 is
18
attached hereto as Exhibit Q. In Plaintiff deposition. she admitted that she received
19
Defendant" s cancellation on October 2 L 2004. Sec. Paragraph 37. Exhibit T. Samaan
20 Di:claration: 68:20-21).
21 ., .,
..u . Despiti: the fact that I had already cancelled escrO\v. Plaintiff chose to ignore
22 the cancellation and continued to try to negotiate \\ith my hroker to hm e me reinstate
23
escrow. Howe\er. made it clear to Parks and Plaintiff in an email of Octobi:r 22.2004. that
24
the Zernik had already cancelled the contract. A true copy of LibO\\'s October 22. 2004
email. obtained through discovery in this action. is attached hereto as Lxhibit R.
26
34. Nevertheless. Plaintiff unilaterally chose to ignore my October 21. 2004
27
cancellation. Indeed. on October 25. 2004. long after I had cancelled escrow. Plainti 1'1'
28
remo\'t~d the appraisal contingency. Her removal came 23 days after she \\as required to do
75 / 745 -11 Dec laration of Joseph Zernik

Court File: "Volume IV Continued" Case [\0. 5C087..(00
so pcr the terms of the purchase agreement. 6 days after her time to perform pursuant to the
") notice to perform had expired and 4 days after I had already cancelled escro\\.
3 35. Nearly three years later. Plaintiff is still actively trying to crcate a nc\\ \ersion
4 of events whereby she now claims that there \vere facsimiles exchanged on October 25,
5 2004, relating to my initials and signatures on Plaintiffs Initial Offer.
6 36. I attended a portion of thc deposition of Michael LibO\\ on March 30, 2007.
7 Aftef\\ards. I requested and received a copy of the Certitied Transcript from Abrams. Mah &
8 Kahn Reporting Service. Attached hereto as Exhibit S is a true copy of the following
9 portions of Mr. LibO\\ 's deposition testimony: page 49, lines 16 through 24 and page 5]
10 lines 6-]4.
I] 37. As a party to this case. I also obtained a copy of the deposition transcript for
12 Plaintiff Nivie Samaan from July ]0, 2006. Attached hereto as l~xhibit T is a true copy of
13 the foillming portions of Ms. Samaan' s deposition testimony: page 14, lines 6-] 6, page 4 L
]4 lincs 18-20 and page 68 lines 20-2].
15 38. In response to my February 8, 2007 subpoena to Countrywide. Countrywide
16 produced a version of the contract bearing my initials and signatures on Samaan' s rnitial
17 Offer. That document arrived at Countrywide on October 25,2004 at 5:04 p.m. A true copy
]8 of the contract produced by Countrywide is attached hereto as Exhibit U.
19 39. Through discovery I conducted in this matter. I obtained a copy of some of the
20 disclosures Libmv delivered to Samaan. I signed

'-
the disclosures \\ hen I signcd
'-
the listing
'
21 agreemcnt \vith Libow on July 30. 2004. Copies of those disclosurcs. as produccd by rjbow,
'1'1 are attached hereto as Exhibit V.
23,/
24
25 / I /
26 //i
27 // /
28
- - - -----._-- ----
76 / 745 Declaration of Joseph lernik

-12
Court File: "Volume IV Continued" Ca,e \;0. SC087-l00
IV. CONCLUSON
Based on the foregoing. Defendant Joseph Zernik requests that this Court deny
3 Plaintiffs Motion for Summary Judgment.
-+ DATED: July 26.2007
5 Respectfully submitted.
10
.
Attornc\ In Pro Per
11
12
13
14
15
16
17
18
19
20
21
22
23
24
'1
..::.)
26
27
28
Opposition to \1otioll for Summar~ Judgm\?Ilt

77 / 745 -21
Court File: "Volume IV Continued" Case ~o. 5C087../00
GillAn Griffin Realt.
Facsimile Transmittal
To: \Iichael Libow Fax: J 10.278 .. 9.34
From: Niy:e Samaan Date: September 4, 2004
Re: 320 S. Peck Drive Offer Pages: "

l_
ee:
• o Urgent C For Review o Please Comment o Please Reply o Please Recycle
Notes:
Hello Michael. This is a ?lJrdwe for my persunal residence. Please call me should you have any
questions. _
•
~--~------- --------
Nivie Samaan
Ot1ice 310.8493816
Fax 323.843.9378
E-mail: Nsamaanl~aol.com
78 / 745
l~
~- -- -- -- -- -- -- -- -- -- -- -- ~-
. ?: .-,,~ ...... '
Gil lera n Gri ffin & Com pan y FD016
Facsilnile Transmittal
cc;
~----..: ..,.
Notes:
"'ivic Sanl aan

P rf:..:': .i : \l.R·N. ~~ I (,
Fax }J(U2.~.niH
:: ·n:..:iJ: ".:<t:nCl .li! j'·,j·.;F'1 ~'(lM
79 / 745
'Se1' 07 04 05: 12p P:-1G SO'! 271 7815 p. 1
FD013
Pacific Mortgage Consultants

Fax Cover
. Victor Parks
(9$81 5?S-S693 Direct
{S09l 271-78~5 Fax
C vrgent o Please Rcvew
1'0: Michae:;l LibO'N "$,)C Nwnbor: (310) 278-4934
N~""""!i"5; 2
From: Victcr Parks (,nciUdlO:J Gll'l'H)
I»~: SeplembGr 7. 2U04
CornnMnts: Ni\lie Samaan Prequahfication Letter
Hello Mr Llbow:
Ms. Samaan has been Prequalif;ed for an 80110/10 J'.lmbo 5/1 Interest On;y 1~ mortgage at.1 375 %
ro
and a 4.5% Interest Only 2 mortgage. She has excellent credit {748 Fico), good income-to-<Jebt
ratios and over $200.000 in verifred liquefiable assets,
~espectfully,
Vir.ior Parks
80 / 745
07 04 05: 12p 50~ 271 7a~5 p.2
-.,.y;. ':";:1r~;H~r ~;"){~~~ G.""(·~ ~ i7S

~,I..ll"':-~':f:'"r C ,:, :':)~: ,-.• ().1~ ~Ci
.:s~~} :,/:.... Ln')..i'~ :).:(!1 ~

(JC;O) ~'7·-/~1''':~ ;,~y
V . ' . .: ~,,:', ';J:, :. ... :'
N :v i(: Sa m::mn
I ~.!?'~S, Alfred Sln:..:l
L~ i\ngl<]l,;s, C/\ 90035
RE; I'R£-QU AUFIC \TION
l),:;:lr N i \I i l,;;
11';lI1k you Illr ll~ orr0rillr 1ity ltl rr'l,r<;~si<l!lally ~,~JV'· )'OU. Ollr
"me.... h;l,; r-:,;<;wcd y"u r Ille<IIllC.
cn.-diL. and SOllrce or l"tlnt1li, and wc're happy l!) C(11llinn that y:lU'VC
boxn prc-qll~lil'i~d to plln..:h'I~"" a
$1.7t1Q.OtlO 110nle with /lOll 011 0 linancin g. This Pf~-qlL:llific"tiol'l
il: ~uhjcct to written vcritical ion
:I11U fllil :lppl'~w .. 1 {"nlill "\I" und .... rV>'l'ilillj.1. dl:p;\r1l11cl\l.
My tcam ;lnd I :m: dedic,tle d lo ~i\';nr. you the hcs[ ~crvicc. ,uj1ro
!1. and [Jrnduct ilnywf,c rc! We ,Ire
,lUI' r... vd (,I' ",cnlj~(; ;md (;(lllll1liIIllC'lli .'L"'ClllIJ
"""liue'l ll lh:1l YOU wi II lilld
III IWHl':
!'~l~.k r('rward 11' w(1rkill~ with you to :l succc.",sful cln~c (,f I,;scr~JW,
Shl'liid y...." desire Cldditi'1fl:d
inl'orll1:llion. pI.;;,.,.; [;;1:1 IfIX hl t:\)lllad Jll .... ;,t: (8l1~) 575-5693.
Vid,pr 1';) d,-;
. ~r. L()j.,l Con,;ui wi,r
81 / 745
PAR/('S MULTIPLE ~~IGNA1'URES
'i')<LJE FALS~~ FALSE

r ..
l
.~
THE REAL VICTOR PARKS? THE REAL VICTOR PARKS? THE REAL VICTOR PARKS?
I
CtHII·t Filings Uniform Loan App (1003) Prequalification Letter
adrl: l:l~ZI:;ccr ";',1: ';I~:).

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1 ': () ,l'
itt
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Victor Park!; -~~JL'---- -. ~-- - --, "'l -.;2 I'~'t' ,.
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82 / 745
I'~ LASERJET FAX
6'~-223-2239 ro· 7
Oc~ 27 2006 11:5BAM
1 Contingency by October 11. We had one fuU week before the deadline for close of
2 escrow. It would have only taken a few days for the loan documents to be prepared.
3 Based on my experience I believe that the parties could have closed escrow by November
4 1,2004.
6 I declare under penalty of petjury under the Jaws ofthe State of California
7 that the foregoing is true and correct.
9 Executed on October ~ 2006 at S4;-ti Dle.,... , California.
10
\
11
12
IJ;n
!..)/
Victor Parks
13
14
15
16
17
18
19
20
21
2'_
L:5
24
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25 , )
26
27
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28
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W02·WESTIMMKI\400111BI.I
~ ~:-=-~~~=-===--=--:-=
DECLARAll0N OF VICTOR PARKS'
83 / 745
unifort Residential loan APitcation
Th,s app:ic.;.~oo Is desl;ne<l 10 b!l alm~.d ttl lh9 appfu:il.,i[$) 'Mill ne Lend~s a,s$i$tanc•. Ajlpl;<:anls silould """'1',& t1'J' I""" as 'B=.vef cr "Co-Bom:wer". as
JppiClble. eo.8orr~lIer Inlc""".on Jr.,,"
also be p~<led (and 1M app~priale box ehedcedj when 0 L~. hCl:mo or .sse\> cl • pc""" clller L'," L". 'Borrow¥'
~.nc:lud'ing the Bol'1i::J'ol"us !;poJsa) \'.111 be us-od ai I) b.lSis forloa:1 q~.cdt1on or 0
L"'\a incame O! ~ssets ofU\e 8o.1"Qvmr'& Sp0u39 Will not be used 3$ a baSl$ for Joan
q\Z'.iuion, but hls orner r:~i.:.2S must be consJdtred becaus.e the B~Ireside.s In neomrfllruty property ~tnte. U1e security p:"Clperty 1& located 'lfl a ccmm~!ty
OrtlP<1lY .WI., or l"e BOmlWl!r Is lelf"'; cn otl\ef property locoled In • e<>mmlJl1!1yoropOJ1y sIol8 as a ba>1' 1<>: "'o,.,"'erTt ol the !oiln.
: 1. TYPE OF'MORTGAGE AND TERMS OPLOAN'
1','M9'G' OVA Lo.1::1er case Numcer
APOH,d for. 0 Ff'.A
Sam...n
1.374,400 0/, 3601360

AmoJt!uUon
!TYlIC:
BF1xed
GPM
Rate 00:tl<:1 (.. pI.b):
~ARM (ty;:e): 5 Yr VO
II. PROPERTY INFORMATION AND PURPOSE OF LOAN
Subja<:: ?rcperty Addrnss (mill c:ty, st&.to. liP) No. or l.-'r..lts
320 S. Peck Drive, B""or1y Hills, CA 90212 County: Los Angeles 1
Legal De.5;:r1puor. ot Subject Property (a:tiJch des01pUcn;f ncrcussary) '{BaT Buill
See Pn>liml",,'Y llUe Report
1930
I
P"'l'"e 01 Lo;m @Purth,.. 0 ConslJ\JOl1011 0 OUlor [0p""'J
o
Rali'an<e 0 Cons\nJC'icn·Pem=ant
Completo thi51ln~ If constnlction fJrConstTuctlOl1·pcrmanMt IOtln.
Vear Lol loriglnal Cost [Am:llJnI EmUr.S Uens (a) Presenl Valle ofLol !T0lal (c+b)
AcQ:rlred I
i
Is IS
Complete this lin~ ifthl.s Js Q refina~ lOin.
Vear, :a~lnal Cost IAmount E>uling Uons OMC!1be ImOr0Y8rM111!1 0 made 010 be made
AcQuored I
S
1IU. w:I be held in \'011,1 Name(s) Nivle S.m.an Estate wiH be hWd 1n:
Fe. Simple
Source or OO\-Wl-'P"'."'yme=n""I.-;se=IU"'"",=.n"'t"'Cc.:-h"'=-='ll""cs:-:-:a"cn'"dIo"r"'S"'u""'b"'Ofd=""'-;I-''''Fi~Itl-ano~'n-C''''(C-'P:-:tn''In",},--_-L_-----------~n Lcus8hcl~
Chac}dng/Savlngs (~~lQ11d,)'.e)
m. BORROWER INFORMATION CO·Borrower
Yf"'... S:;tIOol
1227112 S. Alfred Street

Los Angelos, CA 90035
tAaJlng Addrcs:-, ir diJ!CTer,t from ?resent Adjre..s,50
If =iomg .1 present adl!nJs$ lor1= ttl n g:

_ _ N Yr>. Fo<mer AOl!nl!S (stre.r. _ _ r~o,Yr$.
OCT 12 20D~
SOrTowtr ENT INFORMATION
Nome & Add.... 01 Eropl~/or G'J Soli Employ<>d Yrs. on ~~Js JOD No"", & Address of Employor
4 yr(5)
SpoObound Enterprise. lrrc.
Yrs. employrl1 In lhii y~ omployed hl ttu;
1J3 5. Peck Drive, Suite 104 t:nt of vlOr)rJPrQr~l.on tM of wortJplofes.s1on
Beverly HliIs. CA 90212
20
Bu~n£!Ss Pho,," (.net. area code) IB\!;ines:o Pl\t),"le (~n:::I. area COd~)
President 323-655"5654 I
II employed /" "JmUlll po>iUoa for f~ (/r4JI two years orHcurrondy ompklycd In more thll!lon. PQJ/Uca comple/etile feUowing'
o o
,-'
Name & Mdte.SS or Emplcyer Se1l Emoloyad !Dales (Irom-Io) Nlllne /I Addle.. or Empl""", self Emplo)'ed 03.t!!~ (lTcm-IO}
I11aI1h.')llncorno McnthJy Jnco."ne

S S
pos.naNTiL.elTr~B 01 BU~a1eS5 IBu.lll",s Phone ~nd . .".. COde) IPOSl:i<>rJr,"o!Tl~. of 9u""'''' (\.::SIne.. Phone Onol are;] =1.)
I
I,
N;lme S AddrMS of Emp;oyer U Sell Eml'lo;~'; Dales (11Otll-lo) INlll11e & Add"''' of Emp:",,,,r U sat EmoJoyed Oates (/rom·to)
M~ntrJy tnC-QmtI
,S J~~nWj~=-
:;J1:.:ucrmnelT:r;::e oI5iJ!i;jJes!O I B",IO"" ~Il<l"' (Inet area COUe) PO:iltJorJ'TlUefType of Bu::..me55 IBU";:,..., P"":lel.n", J,"" ceo.)
-,
F.1::ddio ~1~: ;'::rm 65 iJ1JDf fal'wot.bDFotm ,c::u 01ro~

C,,-'y'4 Fo.lTl 1C~3 L.oc..-cr;:JP1_~ 01[D4 Computer Generate<j". \of <
Handwritten 1003
84 / 745
I
GroSIi MonthI)' Income
ailS. Empl. :ne<me'

O... ertirr.e
S
Borrowor
V. MO»WLY INCOME AND COMBINED HOUSING EXPENSE INFOMlA110N
33,333.00
Co--a orroM r
$
Totll
C<lmblned Monthly
$
Prosent
33,:)33.00 Rent
•
Houstng Espons&
Fo,.t Mertgage (P&l)

$ 3,390.00
S
?ropos~d
6.299.33
I
Bcnuses Olher FInan<::no (pal) 1,128.60

C<lmm~lons Haz;:trd Insurnnee 400.87
Dlv:d~,d5JliLlcresl Real Estate To= 1,789-58
IWRcntall=me MonQiO. Insu","""
OL1e:i {bflQtD~~. H!lm~~f Assn. OUD
~lh)IY-~~i'l·(in...~
oIll!/I:\:r.."'llt:~~ 0U1,r.
Tolal $ 33,333.00 $ $ 33,333.00 Total $ 3.390.00 S 9,611l.38

.. Self EmployC'd aCITOWOnS) mil')' be rtqutrect to provide: oddllJonJI dctumcnbUon (Ouch o.s taa: rt!tums and 6mmcJ.1J litutcmenb.
DC5crlbD 0Ulc.r income NotJcc: AlJmony, thUd auppcJt, Or ~(lp."'lIt~ namlOno1t1eo tncQ1T1e1 need not bD revui(!d II t11:ft
BOI'T'DWtT (8) or co·a~ {C) doc£ no1 c:.hoasuto h:l'IC: It consld~red for rtp;lying lhls J~
B,C I I
IS
Monthly Mount
L VI. ASSETS AND LIABILITIES I

TIns S\illemlln'llI1~8nyeppcc:aD\o Sllppollll1QW1edule! maybe compleledjointJy rttbolhmamed MIl unmarrie<lCo.l>orrowern iflllei'ns,etsend iJab'1ilies are suffioenUy
j~)'.rled
so \hal the Staterr.enl can be meanlngtuJlyand fairlY praserrtBd ona c:embinad tJ"a5tS; other.vlS9. S8pati1\.e Statamems and SCheduJu are I'q1.lJreiLlf!.he CerB OlTO"Ner
..clion WolS C\Jmple1<lO about a spouse. tlIls Sialemeol and supPOrting 5th.du'es mtJ>l be completed aboulll\at opllllsa also.
C<>mpl!le<l DJoinl!y 5D NolJolnUy
ASSeTS Cash o.r Market L1abIllUC:$ and i"lcdgQI1 ~scts. Ust Uts credltor'& flame. a~ and 3a:DlJt11 number for J.I] ouutandlntJ
Desr;rlplion Value delt.s, 'ncli.lOnn i1utomo~ 1o.aN'. revol~ c.h.aIge accounts. ranJ e!>ta!.e lcam., aimorr;. ctIild support
s1~ pledgu, etc. Use ccnbnuaucn Sheet. If nec:ena1y. Inc:ca.1$: bY (j those IQl:lllitis which will be
Cssn depo,1t towanl purcnas. nB:. by: IS
&a~$~i!d upon nle 01 real estnte cv.'T\e!Q or upon rd;"lanclng cfth!! 6ubject propel't'/_
Mara Escrow 30.000
UASII.mES I Morrthly poymont &

Unpllid BoJanco
Month. Lllit to Pay
Usl ehocJdng and &DVln£j$ lJcc-ounD beloW Name and address. of Company \S PaymsntJMcnths $
Namo and address olB.1nk. S&L. or Credlt UnIOn FIRST USA
Wolts Fargo Bank POBOX 2.9520

PHOENIX. AZ 85036 I
P.O. Box 6995

Portland, OR 91226.0995
Acct.I1ll. 4332310061B40m 191 9,870
Acct no, 6B1409a380 1$ 1B1,097 Name Qtld adt!~ss of Company SPaymerrtlM.:ll\lh.s S
Nama and address of BanK, S&L, or Credit Union FSTENTRMNT
WallS Fargo aank 6735 FOREST LAWN

P.O. Box 5995
HOLLYWOOD, CA 900&8
Portland, OR 97228·5995
IAcd. no. 925840&00 266/60 9.033
Acct. nO. 750-<>194399 Is 02.326 Nom. and address of Company $ Paymen!JMonll\s S
Name and addle5s of Bank.. S&L, or Credit UnIon WASHlNGTON MUTUAL BANK
PO BOX 1093
NORTHRIDGE, CA 9132B
Al:ct.no. 1001000000000629063611 102 7,904
AccI. no. 1$ Name and at:dres.s of Ccmpany S PaymerJIMOllttllO S
Name Llnd adorer.::; or Bank, S&l. Of Cred:l UrllOO em

POB 6241
SIOUX FAllS, SO 67117
Al;;;t CoO. 642416069919 132 6,341
Ac:;t. np. Is NalIIe MIl ad<lnlSs of Company $ Paymcn\tMonlll. S
Stow & Sands, (Company nemel BARNEYS NY CRED CO
lOmba, & d=pticn) lW VALLEY BROOK AVE

IS LYNDHURST, NJ 01071 I
I
Ac::t. no. 6003355662 114 I 1,477
Naillfl and atldrass of COmj::any )S P;rynumliMonll\, 5
We t:'\SJranoo not cash vaue 5
~
FQ~amovnl: S SOO,DOO
Sublotll Uquld As,ots $ 293,422
Real cs.Ia~ cr.vned (enter mtlIkcl value Is ~cd. no.

I
riOm s.chedule of mal estate QWI'led.)
Vested Internst In reUremetlt fund 1$ 44.000
NJ.;n~ and addr~ of Comjl4lny $ Paymen1i....'onlJt.s
T
Net worth of busineo,(eo) owr.ed IS 500,000
(atLlch f:r;ancial sta'tement)
!
AU~:'T1Qb:les. t7YtT1cd (t':'liJ.Xe Jnd yuar) 5
Aa;t no. I
2002 Honda Accord 25,000
~~~~~urrnJSepara1e MJt.'!1enance
1
\
IS
Other Assets [<\emile) is
Furniture 150,000 Job Retal!d Exp~se (child cara, union dllt!S, etc.) IS
Jaw91ry 100,000
ralal Monlhly P,ymcnlS $ 811

lletWorth
TobtAsscts <1. $ 1,112,422
la minus' b) . => Is 1,On,191 lobI W::I.bllitje3 b. $ 34,631
1
Fred1·c ~.lJe Form 65 01~
C~yX Form ~003 loat\,1;p2.f:m 01104 Computer Generate9.;e 2 of ,
D1104
Handwritten 1003
85 / 745
~-~----------
or R l[ reJ'l\a1 Oflr.g held for If\alma)

•
Schedule of Real Estato Ownod ill.ddten.1 properliOS are """ed, use continuation sneel)
Pro~?rty Ad:ire.ss (enter S ~ '-O!d. PS Ir~..,tfrlg :io.le I Type of
I
VI. ASSETS AND LlABlUTlES (conL).·
Pfl:S~n\ Aa.cumol I GrQ.S.S

PrcPQrty Mar!<et VaJus .Moflg.lIftS & Liens R!nt>llncolTl'
I
• '------
Mcr.ijo,.
Payments
Insurance
\ MaJr..oronce. Net I
Taras &. Mise. Rer,:.allncorr,e
I I s
!
:5 S S
I.
I" S
,
II
r I
I I
I
I
$ ToWs S S S
Ust any DddltJonal namas und"rwhlch erodll has prnvlously beon l"OCI:ltvod OU1d Indluta apptoprlate ercdUor norneis) ;;!nO oce:oJJnt number(s).
]s Is
~lt':lm4~ tt1ma C~d1trJr Nama Aett.unt Number
, VII. DETAILS OF TRANSACll0~ VllI. DECLARATIONS I

a. ?\.lrcha&Q pnce 1.$ 1,718,000.00 If you aruwet "yes" lD uny qucsU:ms J, ptcasD UIO eontJnwrt!on
l! throug'" Borrtn'/ct Co-8oTTOwcr
ahotlt for OJIpbft;)Uon..
b. .AJlera'Jons, improvements, r!!pa:rs I Yes No Yo~ No
<:. La"" Illectj","'d seca,.. :ely) a. Am lhera any olt.sbnd:r,gjuog:nena Q;jalnst ycu? 0 [lJ 0 0
d. Ref.,an"" [UlCI. debl510 be p-akl olQ I b. ~ave ,w
b..., decJare<lllon!<nl/lt Yo11h1n lhe c"'17{W"G7 0 IY1 0 0
e. Es'mated p",pald i:ems 6,299.33 c. Have you hild pro;!Hty teredD~ upon or plven (jtJo or deed trl :'leu tncl1~ol 0 [lJ 0 0
f. Eslimaled closing COs',", I 21,816.00 Inlh.1aJt7y....?
g. PM!. MIP, , .."fOlD r•• d. MI)'OUap.ilyl1>.tac""uII? 0 ~ 0 0
h, Disco",,! (\I Be rTOWQf will pay) e. l1a"l& ~ dcrecUy or lrui:"lcUy been ob!,gated otl8l'rj loan ..... hich (f:Sll~ted In 0 (lJ 0 0
I. Total c.,ll; (.dd ftcms a Um,ygh hI 1,746,115.33 fo:eoosure. b"iII1sfer or~ In l)e:J or 1ofedowre, or )l.lt:gment?
(llU'tl\1lJjt"dGi:I.k.Cl"I~.J,I'O'l\Itm::r.",goak6l\1,SBA~I'lan'l:r.;ftPwttrlW'll.
I Subordit\31e fin;ltH;J\Q 171,900,00 k;lIrU.t~~~"Icans.~{mttII.)b::::'tIlellM,~ l!lCrt:O,gll.~
,bt;JI';:;:t. bG'4.cr~g-.QnIl'oIoo. 1!-Yel,''P'tM~c:e~b,ln~~~. NltNI'on:l
\<. Bonowe(. o'.:;Ino costs paid by Sell., UCll1WIdlWlClV, FHA Cl"VAe.t.. ~r.IfIJl')'.lMrus=~larl:l'.acn.)
L OIJW Crndits (explain) t. A.te)/Qu PreRfl1ty Clelirlquent Of k1 defaull on any ~!rat debt c; DnV other 0 ~ 0 0
cash Dopeslt 30,000.00 IMI'l, mo:tgeg13, r:nanclat obJl~on, tloI\d, cr loan guaran'Jle7
l1....,'J.,J. ... glw~l:i)budntr1bc!d~U\opl'1l'~Qut:sl..kJn.
'J. No you ot~;ated to p.l~ 8hm~ny. ChId support" or upatala maltlienanc:e1 0 [Y.J 0 0
.'1. 1.\ any part of Ule down pavment bOrr.J\V9d? 0 [lJ 0 0
L Are you::J. COol11D.kcr or !!ltdmer on n no~1
_ . __ . . . . . . . . . . . . . . . . _ • • • • • • ___ • • • w • • • __ • • _ . . . . . . _ • • • • __ • __
0 [lJ 0 0
~
~
~
~
.
_
m. Loan amount 1,374,400.0D
j. Ant;W' U. S. dtiun? [lJ 0 0 0
(.<dude PMI, MIP, Fund:ng Fe. r,nonC»d), Il AI.)'OU • "'lTI\anent resident iClenl 0 [lJ 0 0
n. PMI. MIP, Funding F... M=d
1. 00 YC1,I1ntend to Q~CUrrJ U'lo propel1y as your pI1maJ'Y rtrildlJflc.D? li'l 0 0 0
I If ~~1.· eanpleto QIU!:::IiQn r:l bckw.
\m.Ha~a you nad Ill\00MlDiOhlp t.r.\lUC!O-t In a property In t1le l;utth.retl YCilfL.'? r::.:J 0 0 0
1,374,400.00
o. LDan amount (ada m & n)
i (1) WllollypO or """",,ily did )~" DWn1'Mop.1 ,esld= (PR),
~eond heme (SH), or lnvI.3urh~.1\t pt'OP!rty (IF)?
p, Cash fromtto Sorrawer 168,916.33 (2) M"" Illd;<J" he'" title ll> Ih. hem~""cly by yc=olI (S),
I'u~uact j, k, I & 0 from Q I Jolnttyw:Rl)'QlJT SPOU3Cl (SP), or .lctnttywilh onother pCfSOl1 (O}?
I
. IX. ACKNOWlEOGMENT' AND. AG~EEMEm:
Eat.''! 0, l./'lc unc1!r!1tlMd S;le.:Jr~ ~prt..S~"t1. to U'f'll!er nrd 10 La."lXh:lr":l ~I or po~ntla! Dogun::.. bnm:m;i, ~,.1:l0mcy;, I"IUre~, ~eNcerlt. ,uc:.e .. 0t!. nru:l ~UI~
~d i1;ree~.1nd OI:\:;t'l::M.l;cdg:IU thai: (1) the lnfo:maijon pn:lVde-d Lot L~ ~~l1an ~ wo Ilfld ~~l ~ of 1M d"~ '-Ct tanh oppo:ltQ my r.l;pul.ture ond tJ",0t1 illlY !"'-tln1:::nZlI O~
.. I
M!;lJgent mJ.!:rop~t\tIaon cI tnb l:-rforrnnt'on Q"~~ In I/lb Ilwueation flVI,~ rt:31JIt III ci..1 ~b;!lty, 1~l.idinU ;"onolD:ry tU:rn..tJgtl/l, 10 ony per.;.on wM m~y tUflar lfIy l.::l~ due lO
re!Janeo lJPon Qtl1 mi,repre.5l!nt1Ucn th;1! [ havo :T:a@on lhl..5 oppl:l:;;l~n. anrl.'cr ln ctfrr.inAJ penl!Jliu In::ua!n~. but not imad tl), fil\l!t at lrr.pl'\.5onmen.t or both undor thQ provi.t!c~
~:~~h~~~ J~:: ~~~ ~1be~J~~Oo/~D:;~ ~~:::,:~~I: ~U:~;~~~~~~ ~ ~~~~~~~~nrr:~~~~:~e: ~:~:.r;;f~~~~1

re:"den1lcl rnort~c~: (5) lJ'le prcpl!f1)' wlII be oe:upitd 0' bdl::a!cd t1cnlUI: (5) a:rry ClWr1~ (It ~eJVta:ar at Ulo Loan mwy verify at rolfCflty any fnfctmatiOn eont;:.incd \n 1.I\e
D.~tlcn from WlY C!lUrnl r,3me"d In this ~:;On. or.~ lLndar, [ts .1JtXt.SI~ ct asPgm may rl!lWn J.l\o OMg!tl1lJ ~d/ot an eled10tllc recon:S cf thtl. a;:;:i.ca5cn. ClVQrt If t1le I.CJI'l
~30~~1;:~ ~e~;;;'k~~~~~=~ =:~ I~~~~=r.;'~~~=":t~~~ ~~:==In~~~g~;::~~~olf~O

Loan; (6) In the IJ'VCttIt {hitl tr:f p;rymerus Q"\ tho !..Dan become d'clJnltw.-nl ttle O¥r.tI.t or :;.orvlco:r of tho Lo.:1n rr.:Jiy, m :ul'di\lOn '\.:I any otI'ler ngt'.1.J tlnd re~diC1 that tt ml'/ hlll/O
rclltonO to "Idl drrl;~, ~ my rumo and .. c::c:ount !nfMr.•~OI\ to cl'tO 01' mere tenStlmer credlt repo~O DqI)to.Qe3; (Ol OWTl~lp 01 tM ~i tJf'ld/of :adrr:.!tIUlJ:lticn of U1c
Loan aeeoUll\ may bel tnl~IUfr:d 'I!I\I,h:ouch ncriat OJS f'nl),y be rttqLQvd: tT,
law; (1~) nelthar under norlb ant!n~. bro"\I.Qf:a, lr..'Jt.n:B. 'CMeens., t>Uc::&.u.ata orD~lcns hu mtl'tlo ally
~p~C'n:.tion cr'fo'Uml.M1Y, exPn:::!Js Cf tml=6ccf, to mil l"CO"romo the prc;Jlt1t;' or tM condllDn orVDI:. of ttle l:H'Oparty: Md (tt) my trnrumb:slOn of Dp~rlCi:1ticn 0& DI"l·~etro~l:: "'1:1
r«or.$- COl'\ta,lr.l6Q my -t'.e.C'.Ionk: S/IilIU\I.nI..~ M ~e ~:. ore defintd {n appUcab!o feqeroJ andla- :taw Lcw:t (oduC1:na D.udio Dnd vidt!O rt:~r.w~), Of my t.HzlfT',ik);
\r.lN.mls.amn 01 U11s G$lpl:~~ o::nta!r.lno a f:a=\mile c1 my llo4cnmure. OhDj bo 1.\:0 afh::w....-e, cn~ble n:1d VI.SO ., If • paper ,(1I~Ql1 c1 UtI, Qp;lllc:atan WCrtl dcmrt!'d Qn:.:;linmg
OMinuJ wr(!1on 51ttr\il
Data Co-Bon'w1u's Signatu:e D;:no
~ I q-~I~~x
x. INFOR~.lAnON FOR GOVERNMENT 'MONITORING PURPOSES
Tha foUow1r.g irJormaQall ISfeQuestC'd by thD Federal Government tor certaIn types of loens rela1ed to a o'Halling itlOt"d!r to monUDrtha lander'S corrp:fancowHh eq\..:.:J credit
OPPQrtun1tv,fa!rhousjr'lgandhomemortgiJ!)edi~cs\lmlav.";i. Yoo3renolrequJtedtotumI5htt.ul:lrormaUDn.buIGrecncoura~ed~odoso. Th~lawprovide~tl1JtaLBndarm3)'
:tl&alrnlra18 n~l~eron the baSi$of U'lis InfGrtJ\dUOC\ nor on \'Jh.elheryou c.'1cose to furnish), lfycu furnIsh lhelnformatlort, plea.e plovid::2 both etJu\:ctyW1d r.lce. For ;-acc, you
maycr.ea mo{\) ttl an onedeslgna'Jon. If,'Ou d')tlQl fu:m~h tthrtofy, race, orscx. tJndorFcO=taJrng ulatior.~, thls londer \.srequirBd to note ttJa Intonnatonon basIs otvisuai l/".,
Dbs!!tv'J~cn o:r '5UtI'1 amll.lfyou do no(w\sl'l totumlshUie InformaUo!'l, p1easechock \tIoooxbe:!cw. (Lendermu!.t rovl~ lheaboverr.BteJiaJ tonssamthirt ttl!! diselo;au:res Sd'JSfy
aO re':!.u;rements 10 \'l'hlch U".o lDrnter is. su'o,(!ct under 3ppticabie state la'H for the parti~lar type of \Oan ~plied for.)
BORROWER 0 Idl) 1'\01 ,vt,,, I:;) hunlifl ~ in'J,''TT1011;;n CQ..BORRCWER 0 I do net wish to rumlYl ~,:s 1:1fo:r.nQ1Jcn
Elhniclty: o H:1~~~ or Lllt.1j @1 Ne: H.,par.,: et La"", Elhnlelly: o Hispat:1c or LL1Jino o Nel H!.!ca:<k: 0; L.o~
RJec: OJ\t'r.(ll1c;lilit':1lanof o A.... OSl:!cXcr fQco: o \.rdian or
AItH:rica.n o lUI.., r::.:Js",", 0<
,l!Jou'l:;n Nattve AJn~AmC'~ ,AJ;nito,t;llU'vCf AfnQl'l Arr.of~"'l
o N<llivo Hll\.'.:a£11t\ or ~ Wh.~ o NJtivo H:a...~.:m or O'Mlllo

CL"lcr PJ,d",J: l~~o."ldcr QI,.... er ?;l:ifie I~:a.tlder
SCX: 111 FcmaJc o fl.'" s..: OF"""""

[jMa)lJ
Cemo,.!td by Inle" lIWcr 110\:rvi"'1' 0 Name (~Mn)
To b. N,7j"'tle and,l\d~ 01 IntBNl~ets 8r;j:Hoyer
Tn;.; app;jcaCe, was ta<en by: , vietQi arks PacIfic Mortgage Consul!an1S
o FaC(.'.tO..fOlce lr.te.'V:f)4JJ In.rrv: ~

o - 700 I.<>rl<sour Lending Clrel. C275
OM,'I Vlv Y 4- ;If·o'"( Wlrkspur. CA 94939
~TeJe.hon. in_,llWl!rS PMne Numt»r 0001. am. coda) IP) 1lll1l-S75-S693
In~mct (F) 310";96-3256
310-275-5353
Frt":lOQ M.JC ~o.-m 8.S 01104

G.:l~~ FOlm 1003 LOi1J'.JJ:lp':Urm 0'10'<
Computer Generated Po1Qe J of 4
~a.1,nI.Q ~\Jo Form 1003 01/'J.~
Handwritten 1003
86 / 745
50~ 271 79,.5 p.2
07 O~ 05: 12p Pl'lc.......
P7:cift< Mo:t1qe Cotlsult./~t:~

iS~ ~;1r:..s;Jv :...P(:-~9 C:~'~ ~ :175
tl.ll~":~~~( C):,;'::t::,·••
001::1tJ
'~0~~; '/:'-~;·l':: :).:(~:~

(~C;o.) ~)7··-/~;..1~ ;'.~Y
v I '. -"::~' ':: ';V: ~ , .. ",'1'
:":vic Sam:l,m
d:ry-t?-- s. Alfred Sln:cl
Los Angl<]c.:S-, C/\ 90035
RE; \'K£-QUALlFICiH10N
11';1111\ y(lll I'or II'll; (}fl~lrtllnity hI fll"\,r<;~';it\\laily ,;.:rvl: ;.'\HI. Our "fl'c.; h;J,; r.:,,;<;wcd y"lI r income.
cr\.-d't.- and suurcc or
(llnd~. <Jnt) w/,;'n; happy \.!) Wl\linn that you've.: been prc-ql!ulili~d [t} pllrcna"", a
$1.7t)(}.OU() IlOn1\: with 80/1 0/\ 0 linallcin~. Thi~ pl'~-q"alificllti<."ll'\ il'. ~uhjcct to written verification
;IIIJ 1'1111 :11'1"'(,..;11 l"1'l'1\l \\lI'" ulldc~l"itil1)!.(!l;P;\r1l1ll:nl.
My team :lrld I :.m: d~(Jic;tlcd III giving you the hc~[ <.crvicc. ~urr{"\r1.. and j1mduct <lnywhcrc! We :trL:
,;"nliJ"Il( Ih;Jl you w;U /il1d ,IIII' level III' "CIY'ii.:-= :lIld l:tltI1l1Iillll~,nt ,~Gl.:()tIJ III il<'lIl'l
! I(,\.ki('r....',,"d I,~ ..... (lrkilll!. WHh you to ~ ~llcccssful do~ (,f <,;scr(lW, Shl'ltld you desire additi,)flill
in)brJnali(Hl. p".:;!..,.,; 1\;1,:1 (rlX to ;;lltltacllll": .~t: (8~loIl 575-5693,
:'2~?~
Vic«(>r I':lel.;,
. >~?~'"[\1.1;1'-t<)n~·uiV'il~-r'-' -.-' "'--_." -,-,-'
87 / 745
::.LJ~r Re: Samaan Loan Approval
~ate 10/191200491 ;':43 AM Pacific Dayl:ght TnlE
From 'j1e-tcr@PMLoans com
fa fCljllbow@aol corn
Good :~vrnlng ~-1;chael. Regarding the b",r c01tlnge,ncy, you'll need to speak to 1'1:" San~aar) about It, i've
'n.f::Jrrred rer that although the loan is approved, :t's not ovEr until the :3Ppralsal review ,5 b3C~, A.s you know, If
fer some rea50n the appraisal IS cut, we don't,)dve a deal. That being Sclld, [Ou1trywlde is ve:y :]oad with
appra\~ais and it's been a long-time since I've had en a~pralsal cur I've revIEwed the camps and the va:ue IS -ve'l\
supported, cut trere's always t'1e possibility,
j s~ould have the review by F:ida'j WhiCh st;1I gives everyone ter\ days untH tre close of escrow. Please feel ~ree
ro call r:le "hOL:d YOlJ have any further qUEstions.
RespectiLlly,
"/:ctor Par~s
S" Loan Officer
PaCIfiC i>1ortgage Consul ton ts
lJietor:i,). Pr~ Loans,corn
318.275.5353 [ff;ce
~10_496.J256 Fax
---- --------.---." Forwarded Message ~---.-..--------.----
From: ~1Jlibow@aol.com
To: Victor l..:prnloans com
Date: Mon, 18 Oct 2C04 21:01:40 EDT
Subject: R~~<lJl'laan loan Apj)r~
VICTOR,
IT W/J.,S ODD THIS MORNING AS i FAXED TO yOU THE NOTICE TO PERFORM MolD rHE NUMBER
TRANSFERRED TO NIVlE'S SECONDARY FAX LlNE SHE HAD GIVEN ME ARE YOU IN THE SAME
OF=-ICE AT GILLERAN GRIFFIN?? . PLEASE EXPLAIN WE DO NEED HER TO REMOVE HER LOAN
CONTINGENCY A r THIS TIME AND HOPE THAT YOU HAVE SATISFIED HE,~ ENOUGH TO ENABLE HER
'i
fO DO SO THE OWNER IS IN NEED OF SECURING ANOTHER PROPERTY AND CAN NOT 00 SO UNTIL
THE CONTIr--.GENCY IS REMovED WE I'\RE ALREADY DELAYED 0,\1 THE REMOVAL BY SEVt=CN DAYS.
M.CHAEL L'BOVV
88 / 745
Subj Re: Samaan loan Approval
Da:e ·0119128D4
To Vv::Ur@PMLcans com
CC \JSamaan 1
V'CTCP.,
THE PROBLEM IS TYAT HE SELLER WILL LIKELY EXERCISE HIS RGHT -;-0 CAi\;CEL -HE CONTRACT AT
ThiS POINT. I CON'T WANT THIS TO HAPPEN. THE MAJORITY OF MY DEALS HAVE LOAN
CO,,-,T:,\JGENCIES REMOVED SUBJECt TO CER:AIN CONCITIOt-.S .',-tTS F,A.CE IT THE LENDER
COULD GO BANKRUPT PRIOR TO ESCROW CLOSE. ,THERE ~AS TO BE SOME RIS" ASSUMED BY THE
E3L YCR IN THIS C.A.SESHE l1AS AN EXTRfcMELY LOW DEPOSiT IN ESCRO\,'V (LESS THAN 2PERCENT)
AND i WOULD ",ND ,T l-'ARD TO BELIEVE THAT IN1TH YOUR TRACK RECORD AND ASSURANCES THAT
SrlE WOULD NOT BE CCMFORTABLEBY THE 'NAY. YOU NEVER RESPONDED TO MY QUERY
J<.80UT YOUR FAX. NUMBER FORWARDING TO NIVIES
MrCf1AEL LlBOW
COLDWELL BANr<E,~
PS. - AS I AM NOT AT ThE COMPUTER MUCH, I WOULD APPRECIATE A CALL FROM YOU ASAP AT 310
991-2689 MYCEL:"
89 / 745
SE~T BY: COLDWELL BANKER; 310 271 4834; SEP·IO·04 3:54PM; PAGE 1/3
~lDWElL BANKER PREVlEWS

~....:: 6?~-?tIofZ--£,-?-aoIlj-/-==
A CONFIDENTIAl FAX
from the office of
Michael J. Libow
Business Phone: (310) 273-3113 x 169 Facsimile Line; (310) 858-7842
To:
hx Numb<" 3',:' ;, 1?4 ." q:,:f 2, Oat" 'i \ 10 log Time _ _
Rt: /~ dO C-....--J "'7~~ Number of P~gcs To Follow: :l
MESSAGE: \:)C LyV<?- ~""~!
COLDWELL BANKER
)66 Norm Canon Driv~. Bever! HiUs, CA 90210
50013
90 / 745
SENT BY: COLDWELL BANKER; 3102714834; SEP·l0-04 3:54P~; PAGE 2/3
~
-
COUNTER OFFER No. 0 ~G.
,~
CALIFORNlA
(For use by Seller or Buyer.
ASSOCIATION
May be Uled for Multiple Counter Offer.)
Of REALl'ORSlii
co.", Revl.-i 4J(1)
~
(e_A.R. Form
RESlDENTJ.\L BROKERACE
og"'lO-O ------.J~~~'\__n!.1J:Sl------------ CaiIIoraa.

.. COffer'")
('PropertY) .
._ .("Seller")
O. The following attached ~ e n t .trw Incorporat.c:l In thIs Count..- on.r: :J ConlraC1Addendum No. ..' __ _ __ _ _
2_ RI~~ OFFERS: SeJl,,--;-~~~ntl~to o"e, ttl" Pr.;p;rtY;;;; othe' ~ ~~-f'; t,;~;·;r.ad;';;'~d-to;.;;,~p;

dny other offer Ilt any lime pnor to communIcatIOn of ac<;aplance. as OOSCt.beO In parag,aph 3 If this 's a Selle' Coonler Offe,. Selle<'s acceptance
of another offer prlO' 10 BllJI"'" iia;uptance and communication of acceptance of thiS Countel Offer. shall revol<e lhis Counler- Offer
3_ EXPIRATION: Unless acceptance of this Counfer Offe' IS S"Jned hy the Buye' or Seller to whom It IS sent, and commun,,;.l,on ot acceptance
15 made by oel.verrng a Signed Copy, which '5 personally recerved. 10 the person mllk,ng th.s Counter Olter or
10 _~u~M~~ \ ~~~ ' ty 500 PM on the th~ ~ndar day afler th,s Counter Oller ,s
wnttcn (of. If d'le:dced, ~ date _~___ _ _ _ . tIme ...\- ~_ ~thlS. Counter Offer 'jhaJi oe deemed
ravoked and the depuSit sh~1I be 'eturne<! to Buy r. Th s Coumer Offer may be executed In counterparts.
4. Checked:)IrlULnPLE COUNTER OFFER: Seller is making a Counter Offer(s) 10 ..noll>e' pro5peC1've buyer(s) on 'arms thal mayor
may nat be the same "s In th,s Counte' OHer. Acceptance 01 th,s Counter Oller by Buyer ,hall not be b,nd,ng unless aIld 'Jnlll ,I IS
subsequently re-S'gned by Seller rn paraiJraph 7 below and communicatIon 01 Seiler's aoceptance 1$ marla by (jellve"ng a Signed Copy,
,n perscn. Dy mad or by facs<m,le. whocl1 IS personally rO<AlIV&d. 10 Buyer or 10 )oj \ \l"];:E.-.... ~AAtJ Prl(lr to
5.
____
" coomER OmR ON n<E ",.", ABOVE ANO
- Date
'1fl'D1J'
the cOrTlplellOn of .11 of thes8 QV8nts. BlJY r and Seifer shalf have no dulles or obligations till the purchase or sale at n", Property.
RECE,., 0' A CO"'

'"
_ Date __ ~ __
6. r-:: SUBJECT TO THE ATTACHE COUNTER OFFER) and acknowledge
OaI9 _ Time AMIPM

Date Tim~ AMJPM
7 MULnPlE COUNTER OFFER SIGNATURE UNE: By signing betow. Seller accepts trlls Muntple Counter Offe1'.
t+OTE TO SELleR; 00 NOT sign In !tli. box unlil .tter Buyer signa'" paragl'1lph 6.) (Paragraph 7 applIes onlv 11 paragraph "Is ctH!cke<l,)
D~ n~ A~M
Dale Time AM/PM
8. I ) (Irlrtl;]jS) ACKNOWLEDGMENT Of' RECEIPT: The maker at the Counter Offer, or that pefSOn'S auttlOnled a'JAol as specIfied 11\
Dd'a'J.aptl J. (0(, ,f Ih,s 15" Muttlpltl Coun,,,r Otter, Ine 8uyer Or Buyer'S alJttlonzed ~nl as speaf'Ad In pa"'gr~n 41 ClCknowlOOqes reee,pl "f II
Slql'OO Copy 01 lt10s Counter Oner 00 (date), ill _ _ .~ ~AM/PM,
MASiER COpy
COUNTER OFFER (CO-l1 PAGE 1 OF 1) 50014
91 / 745
SENT BY: CCLO'WELL ~ANKER;
310 271 4834;
SEP 10·04 3:55PUj
PAGE :113
ADDENDUM TO REAL ESTATE PURCHASE AGREEMENT
ZONI: DISCLOSLIRES, ADOlllONAI. OIS<',LOSURf. Rf.I'OIUS, PERMiTS. \ he LUne .L,d."ul' '''pon, to h., "b"ocd 1ft """,dAncc w,th ,he
prov,,,,,ns 'If ,he A",r""mcnr I'd! b< ob,,"nod ["nn I'wI'C1'Y I D U)A 1b~ UUK cii.c:lo.urc ""port to be provided unde, the A,i;rce..ent ,hall """'tt rho
type> of LOnO' aad u<:i1S id=tificd in ,n., Agffcmrn{ for whid- d..,d..sUR: i. rcquir.:d. Tb. 'LOne di,cl"'llrc "'PO" .ba.n b< co.uilkrcd. -.ub.utu'rd
dis<:los....o" (or pu'po-.a ofSdl,,.'• ..,d Krok'"' disdo.u,r .. fmC$C zoo•• or uc ... bur "'all no' ~ di.d<hurc obl.i&uio.. wi'tb ~rd to o,t..r
mQtt«1l. At r~rt uf lXtyer's iasp«tjottt.t.nd inYelfiptioon., &~r rna)" order 3cid,t.ion~ ",r.i"~u fCpCI'D. U 8ur~r'J, C"1:'pt1ls~, inchtded blJ.( not iiDl;[,ed
to other t)~ of eftU. l.onU-, ridiU, pcrmiu, ~WI final "PP(o..21s. 1f \hCfl:' de ~ny ~tH}.(lHr-.Ii lJdl1.. .. 0nli :\t rhe rr0J""t':'llY for whlth ol pcrnu[ or CLruh.lUt'
ot Oc.(Ur ... nc~ ""H nOr obraincd or I,I.h ..... h ,He llOC In ,:OrTlrli... nct' 'A'Lrh .. ppl;(abk ,_odc."l l.ud Pliler bws. BUY'(,f mJ.y he' rt:quircJ m iUCUI cxpcn'lcs ;lh.~f {hr:
(It"'~ or ~,,('row ra bTlllf; ,he "ropc:nv ~Il' to ~:urr~nl (;odt'~ .. n..:i Q1hcr appllc,ahk l.lwS or (0 dc:"llIolish (h~ liubjcct .1.ddltLOlH Bu\,cr ,bill h..l.VC the mlfllb<r ~)l
d,.. ~. s 'I "CClflc\j In the !\r:rc~m<;n[ to dil,Jvprll .. c tll ..... riting JO)" rcp<)rt ..... hh-h IS un.u::cc-rll .... bl<.: 10 Uuy~r, 10dlor n:ntov(" the ("(IIHIT1fCtl.;y <lHCk l..Jted wirh \.uf.-h
di,>,'{'prO\'..(! ugtll hr rhe mcrhoJ rTCJ1,:Jlk-rl,tl rh<""" l\gr<CQI<tIH
FL:R.."ACES. the' pJrpcs :I~ .J.Jvi~J rhar ~cni<lll t\lrnJU·s nunuf.t(.(wed by C0JLYlUJ.ut'd 'ndl.l"'~fle:, ... oj ~l{d unJe..-r 1o.lrioll\ Drl.nd l).,IfTl ...... ill C.JdOrniOl
t,d'$.-:("n 1983 ~l\J ,9$'1, h.J.\c l:w:coldcnlltICd.J..... ch..: ~.:.tUS(' qf tiro Bt()lc( rc,,:OJIlJncrrd,' rh,lt .w~· hrrTl;;ld.'; , .... 'JI'" cJ,"T Ii) J,.~, ,den 'CCq".OL'o: "f rh "ik, ru "1'1'/; ~'r liJT>nc,ng rhrQug1> , ("IJ"...II ftHiker ,j};)... ,<'<1
mOfl~~r Ll'JhpJny III Jell)Jd.Hkt' with :h..: tHl),.\sinfl~ot rLt' Ag~C'n\t"fH Th(" AppIK.J,Y\i,n 'hal, ht l\l:K.i~ .11 n" COS, lH obhg..m vn 10 lhc B\J~r ll.l\lC'V./Uf\Hl [\uyn
:.lud·'nrrzo ill\.' (,tddwell H..w kn AffrliJtt:J m()(l~"'I!(' ~ompJ.lI.r TO pr<,)Ct"t"J wllh J ,~prJlsai Jild finJ110:l.1I proc~slng, Bt..yn 111.i!.\' JI.~o Jppiy For tiu,HlCinf" \Io.Llh 'Hu.:h
Gd'er kntlUlf 'i, .•urc('~ .i'" Ouvrf wl~h(:.. ;lnd rt"t~11\J; the d\oj(:(' of knJlllj). sc..HlIC~ JIIl~ IOi.1l S.UhjCd f() lilt: {lille' renod.o; .. llJ Q~ht", PWVUlO(h In the A~rccrt\(.(ll
UI)YER'S Sl~ l\.."'EQ{ /E:..:.'l'T flU RCHASE. ll\ the ("'Ctll lh;5 (( .. n~.L r\'.l\l IS
rlf")( cOJldlidal ln~ ""lthln {ljOdh..(' ( I::') 'noner" t'ulh.lV.1I1f the J.m: DI t.lI~ uAcr Burt"
Of .U\V rcl.u.. d p.:-n.tlll .,ldlll~ dlrt;\ liy ()r "r-,n..' cmctlt tl) A<.qLllr< rht: Propeni' 01 ill)' imCrr5f In t~, Propr.ty hull'J. "l.clkr ('Jf )clkr 5
llldlft"tlir. excc.u,c::.... n
\Ul..lt""\\,}(~-Hl ld[er!:.'.l. BUYCl h.l"'rdH ... gfc'O (\..1 pJ. .... (rl Brokn lhe C\llt\lTIl:....... ioH . . p~C1tlt::J 11" (he Agll:ClllC'OC for Ih..lorpv'~~ of tl.i.~ '\gr(~rn~nl, {.1) ~rcl.HcJ pCr .....oCl·
\'l,,-:udQ ".n\~' p. r'tJl\ r:-1 . . \C\1 0')0 tlk\.lk..i, lll.l:-ntlgc or ll\1~lllC1S rd.lt1o!", .. fup, :i!}(j .v,~ .:'n(lt~' whi<..h (onHnl~ ('C :'..1 "tJllCrorJr-J by Bu·..er ut :In,. rdl~W ~nVH.
CXdIKltltF, Hrl1L:~~ hc'(... in. J/kJ ,S)l;l'~ C..'".l':':H,in-i/lrC't"eu·· .n...Judcs. wlchoul jimit"lflOft, .lIn' pawn of t'Jl;Il~' \\'hu.'h J(qll,!r~ rhe Plllpt"rry rruHI .... t'Uc- f , whclhn
[h:-nugh \llbr\tM,v or In.1l1untAh ll'Jrt .. kL 1nd.Jdir'\~ rorn'O~Uf~. flf hy npCTJI10l1 \II \"w
DOCl.lMI';\-'AllON COMPllA,'iCE rFE. Bu"c' .w,1 Sellcr .","o",kdg' t1lJ( f(,;~",I. )we ."J.'", Lo.. JI ~OVI'(l"n(nl,,] 'grlld,;> '<OJ,,,,t (.jd«Kl" "I
l ornpli.tJtu· '-'11thn:rU.lll r~ulJtt*'(l dl'.l"{o"ur~ .\nJ/or .r"r.l(1ncnC:J in /..:)"Huf)t_.'tion ..... irh rhe aJn""krof rc.J pwpc:rry Thc><, ll(',,-UrrKrH"":hll l l\::yuif.-mClf\ 1l~<:l\lJc bUT
.If<:' n.U( IllnJ«(d Ill. <..v:nl'll,,}lh:C w,[h fh t· hHtl~1l IOVC:~lIll~fH 'III ~~.d Propory T:v:: Au \[ I RP 11\) c...",l!dorOI:.J l )Ul ot 'Jl.l.t~ S(.llcr \X\thho&..IIJl{( :,nJ<1J\"l\, L..oc.1!
t',ovd f ll'I1C'(1( P~QF'<::rt! Rq)()1(. ~n""l,k(' l k~(", lOT .mJ \X".IfC~ f-k..lIC1· LOf1lpll.lIKC ~r lICrH{'f'.I\.. KctnJljl ( tJlnpl1.10lC (c,(itiulln/t, f{c.tl [<;("J.lt.' Ir . HI~f(r i )i~l(1",urt"
'H .... :CJ11t'~\\, ,',nlln( ~ Iv H11 ... Di ,\.'Io"urr Sl J.f('mcnr. I r.lJ.-B:t~{'J P~lIlt ni"""lo~alrl::s. EJ.rd\~u.J.J.:c ,..,fuy Di,r,.clvsurr, J.JlJ r :lvlwnlllcrHJJ K~l,lfili D·,~d{l$ur('.
l:hlh-c olOJ..:(.,r 'dkr, ,t ,,'p:ncu«J I,l' Coldwell B."ker :Cil~.

m ,ld(r;lt.ol.\ ofCrr ....... ~jHJ.nu; In rhe :.rcpJ(,wnn.~~d .h.wdll(l~ 0f rhC'. rC;lllrcd': oHl,pJI;lnL"'
JO{ IJIlKnr.-. ,,~((..T lu PA} ( n fhrnll~h f: ....... ro\ol' the" "lIm vt __
__, n:prc')("(\ong '" dCK\\H\~~',{,,1tIUIl Lomv(nf'.o;,;c !("(.; .... ,ud ~um ~hJ(I M F:.4.> J.b~(' 'n ( R unl~
uyvl1 rnc dlt~l{It:; \Jt Ill"': rr.ln~:10r. oonrt<1I1pl.1reJ by (h~ , (11C'nl. [JurC( .IlJJ 01 )ellc:r ... 1<;.(1 .lLkn~I\oo\,lcdg(" lh.at In .. ddlriuo Cd {he 0IVC t~. <hJfd p.J.ay
illformOllIJOiJ /lro'vlul'n 41ndJo; f;0ltrfnmffil ..tgcn'itl mJ, [('qwre ~ddjlSon~t fl'CS .. lld (O\l
CJ\JlfORN't\. fAJR PUNo Buyer l.~ ~rt' rJur in,uunt.t: fOf cnl... in hlt!~idc:. Qrt:",nr·ronl. lnd bru)h rrnpCl"tln H1..l}· b~ ... .ulJ.bk <1111)' trom (:.. ld~)rni;1 ....(1 r
,1 .....
Ph'l. T!)1.) nl.1r 1J)(fC.J.i( (he' ~O~I 01 1I"d'tH.mU JOf .'ltuh J.H()p~rIJ(:S' :1nJ "o\.t:'J.1g" 111;,(; ~t' J;mu("J Bu ....er j~ .J.Q·>IJ~d [() cona~h WIIIl In ~.""'[l l/1 ... ul.l.nt-C ..tgC'nr
1':f.J.[Jl{I~ c.;LJ .....n,I~<:: "l1l]c'r (h( ("..UltornLJ. F')Jt PI... n .tnJ en .JI<J\V ,lp}Jro.lIl1Hcly tour :,1) wt"r:'k, trH pf'l\.: ...~~'IJ\~ ,"'\f J~l .... i'plh.•UI'1I1
H ISTOR'C.A!. CONSt:RV~.Ncr: The PrufXny m",y J~'d(')if'n.lreJ JS J h'UOnLJI },lIIJmJrk or be Ll(..;l.[~d In J rrull~'red ~}'''tlnrll..J lIHBU'\.HH f ..1rtJ wh) ... h
",-l'uIJ \~m\T. or (~~HlC( HHy('C', .JGdln.· Cd rcn'oJd vr ~k"cl()p ch(' Property.
AOOITIONAl. f_"IYIRON.\{f.N"JAl. HAZARDS. The- rJ.r(l~· .(:..: .1dv/sOl rh.H d.~ prncn......: of t.c.'f.ltn ~JnJ~ 01 m,,'IJ.J.. hJI'lSU\.l..", ,f orhcr or5·lnHlllS m,J~'
.l.Ihrr\d~ .IH..d d'~ frlJtKrr~'.J..nd f~lC hiC.il,h of ~JmC ,nd:'IJllJ.ls . Broker L('l·\J!lmKnJ~. ,fllu;'n h.l..-'> .:01'\( ~rn~ tr:I~.lr<i'n~~ ~hl; 15).J...... rh .. t btl,nor "OfIJlH.( hHThcr
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50026
94 / 745
18101 Von Kam1an Avenue
Suite 440
Irvine, CA 92612
P: (949) 724-1711
F: (949) 724-1754
DECLARATION OF AUTHORIZED CUSTODlAl~ OF RECORDS
OR OTHER QUALIFIED \V1TNESS
I, Jacqueline Sitko, declare:
1. That I am the duly authorized custodian of the records for Mara Escrow Company
and that I have the authority to certifY the records enclosed herewith this declaration.
2. The copies enclosed herewith this declaration are true and correct copies
of the escrow documents pertaining to property located at 320 South Peck
Drive, Beverly Hills, CA; our File 1-34500-GH, as described in the Attachment to
Deposition Subpoena for Production of Business Records.
3. The records were prepared by persormel of the business in the ordinary course of
business at or near the time of the act, condition or event.
I declare under penalty of perjury pursuant to the laws of the State of Cali fomi a that the above
statements are true.
Executed on this 8th day of June 2007 at Irvine, Ca1ifomia.
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NO. 680.{)1
WILSHiRE 8LvD., SUITE SIS
TRUST RECEIPT NUMBER:
COMPANY 0680 OFFICE 000~55

64555
DAD
I3EVEFllY HILLS. CA 90212

(310) 5So.7·\OO
ESCROW NO. 1-3450G-GH

Received Nivie Samaan
From
Amount of Fifteen Thousand And 00/100 $ 15,000.00
1 Cash [X ] Check ] Wire Received Alter Hour [

] Draft [ I Cashier Chk ] Money Order Benefit 01 [X 1Buyer ] Other ] Seller
ABAlCK# 322271627 Property Address:

320 S. Peck Drive
ca kaiser / CK Beverly Hills, CA 90212
Received by ------------------------
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~ki~ ~: ALFRED ST.• -
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~"'LOS ANGELES, CA . 90035·2534 " , '. ~
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TRUST RECEIPT NUMBER: 6 455 sl
~).lOI WilSHIRE BLVD., SUITE 515 COMPANY 0680 OFFICE 0001 R# 64555
BEVERI.Y HILtS. CA 1)(1212
OA~
(J 10)550'7-100
ESCROW NO. 1-34500-GH

From
Amount of Fifteen Thousand And 00/100 $15,000.00
I Cash IX ] Check ] Wire' Received Afte, Hour (
] Draft [ J C:'lshier Chk ] Money Order Benefit of (X ]8uyer 1Other ] Seller
ABAfCKII 322271627 Property Address:

320 S. Peck Drive
Received by
ea kaiser /CK Beverly Hills, CA 90212
.,::.
97 / 745
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?age 2 of 2
Sequence Number: 50426
Non-Negotiable
Sequence Number: 50492
Non-Negotiable
98 / 745
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,DOLLARS' AND .00 CENTS *~*~*********

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PAY r' MARA ESCROW

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!.r. OF L I,. ,'. ',' , <:--:J
AEMIDER . " . -' , . , il
" .."cd by Integrated PDymOlltSvslDms Inc" Englowoo<!; C~I,or'do, WDlIs Forgo Bonk.lt,d,~.'l:'. ~D'.Angolos,' CA' NIN,E'~SAMAAH' c···.. '''°<''0 ::II
8
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':.22037.7 I..: I;BOOOI; 3 cmQl:j 20 21/ 8
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64702
9401 WILSHIRE BLVD. SUITE 51S COMPANY 0680 OFFICE 0001 RJI 64702
~t:VERLY HILLS. C/\ 90212
ptD) !.:iSQ-7400
§" ESCROW NO. 1-34500-GH DATE 10/12/04
Nivie Sarnaan
~ Received
~ From
<>
u.
~ I Amount of Fifteen lllOusand And 00/100 $ 15,000.00
[
~ ] Casll [ l Check ) Wire Received Alter Hour [ ]
~ ) Draft [X J Cashier Chk J Money Order Benefit of [ X ] Buyer [ ) Other ] Seller
o ABAJCKII 163717 Property Address:

g 320 S. Peck Drive
C
~ I Received by' ds
~~ ~~
IDS_ Beverly Hills, CA 90212
~
:g
~
'\
99 / 745
. -~
~. .. '. ,. \ .. '
/~W'Cl@O(5l1@(1B;J <s®.
L~ co. NO. 6BQ-01
64646
"0'BEVERLY COMPANY 0680
00~646
WILSHIRE 8LVD., SUrT'E 51S
HILLS, CAo 90212 OFFICE
DO
[310'550·7A.OO
ESCROW NO. 1-34500-GH

From
Amount of Fifteen Thousand And 00/100 $ 15,000.00
] Cas'll [ ] Check ] Wire Received After Hour (

J Draft [X ] Cashier Chk J Money Order Benefit of [X ] Buyer ] Other ) Seller
ABAJCK# 16-3717 Property Address:

320 S. Peck Drive
Received by <is IDS Beverly Hills, CA 90212
. ;,.~ .-'
-.-....... _--~ ....

<::.:,,::::.::.:.;.::.:.....~-" -"c_ ...._._,
499156243920499157 FlEVl 11103813538743
~_ ... _
':-t.~ lJ'" 't5 I

,""'-HOI:D:OOCUMENr..UE.:ro..THE:1IBbT.10· VlEW..11'1UE. WATEfU.!ARK:, ,_ .,: HDUl. DOCUWOIiT'. LP..TQ.THE LIGHT. TO..VIEW.1BUE: WA1ERP.lAAK'.,
lBwa~hingt~n Mutuai:BanILF~~~~~~~~~~~~ '~16.?1711220 ~ 706617622

/'
\.""
1
~
\
~ PAX I' MARJt ESCROW

TO
THE
1? ORDER .,.-'
AUTHORIZED SIGNATURE .
REMITIER
OF
L . . -I NIVIE SAMAAN 1~05 11
Issued by Integrated PaYrT1:1nt S'~slems Inc., Ciigle~(QOd, Calar<l.do Wells F~rgo ~cnk LTd, N.A .. Los Angeles, CA
100 / 745
DECLARATION OF CUSTODIAN OF RECORDS- Evidence Code 1561
Records Pertaining to:
Location: AMERICAN'S WHOLESALE LENDER
Case Number: SC087400
Case Name: SAMAAN VS ZERN1K

DOS Order 10 # 1055419
I, the undersigned witness, declare that I am a "qualified witness' and a "duly authorized' Custodian of
Records for the above named entity. As such, I affirm that I am familiar with the procedures used to
create and maintain the records herein certified. To the best of my knowledge, all such records were
prepared by the personnel of the above-named facility in the ordinary course of business, at or near the
time of the acts, conditions, or events recorded. All records demanded by either the Authorization or
Deposition Subpoena for Business Records served on this organization were made available pursuant
to sub-division (e) of section 1560 or section 1158 of the Evidence Code. I further declare, that all
records made available are original records and that no records were withheld to avoid being copied or
inspected.
CERTIFICATION OF RECORDS - XX (please mark the appropriate area)

(USE THIS AREA ONLY IF YOU ARE PROVIDING RECORDS)
As provided for in the Authorization or Deposition Subpoena for Production of Business Records
Served on this organization, original records were made available to the Deposition Officer and/or
Requesting Party's Representative, as follows:
MEDICAL RECORDS
BILLING
RADIOLOGICAL FILMS/RECORDS
PHYSICAL THERAPY RECORDS
OTHER RECORD (S) PLEASE IDENTIFY: Loon I)c( UC/lcnl:s.
EMPLOYMENT PERSONNEL _ PAYROLL BENEFITS
CERTIFICATION OF NO RECORDS
After a thorough search was made for the original records demanded in the Authorization or Deposition
Subpoena for Production of Business records served on this organization, no such records were made
available to the Requesting party's Representative and/or Deposition Officer, respectively because:
NO RECORD OF THIS PERSON AT THIS FACILITY OR SITE.

RECORDS REQUESTED WERE DESTROYED ON _ _(date)
RECORDS DO NOT EXIST FOR THE SPECIFIED DATE(s)
RECORDS ARE LOCATED AT THE FOLLOWING FACILITY:
RECORDS EXIST, BUT COULD NOT BE LOCATED-THEY ARE CURRENTLY.

MISPLACED
RECORDS OF THE TYPE DEMANDED DO NOT EXIST-OTHER TYPES EXIST
NO RECORD OF THIS PERSON AT THIS FACILITY OR SITE
, declare under penalty of perjury that the following is true and correct, and that this declaration was
exceut~ ,on "Vl /'
(date) leJ)· 8,8 OO--L at (place) -"--'...l...I..->"'-===...,.p~.l--
Print Name OJar iplQ Core'lC(
101 / 745
CLUES LOAN ANALYSIS REPORT
- CLUES
Countrywide Loan Underwriting
Expert System
Loan Report
Date: Thursday, October 14, 2004 11:49 AM

Credit Decision: REFER
Loan Number: 81737375

Credit: Acceptable (MERGE-CREDIT)
Ability: Questionable
Product Comuliance: ~
Documentation: ~~DUCED:::>
Appraisal Eligibility: Standard Full Appraisal or 2055 I&E,
with an additional Field Review
This loan has been referred by CLUES due to the following reasons:
~ ~ [(0(/0(10 ~a-z,,--
Ability:
The information provided indicates a combination of layered risk
factors which may include insufficient liquid assets, high LTV,
credit history, and/or high debt ratios for the loan program
selected.
compliance - General:
A-minimum of 6 months reserves are required on the Non-Conf ARM Fixed
Period LIBOR Interest Only program. (18869).
Reduced documentation is not allowed on a Non-Conforming Mega Loan.

(15172) .
The max loan amount is $1,000,000 on Non-Conf ARM Fixed Period LIBOR
Interest Only loans. (5998).
~~===:==~====================2.0 Sm~~y =============================

Borrower: Nivie Samaan
property Address: 320 S Peck Dr

Beverly Hills, CA 90212-3715
Loan program Name: NC 5/1 LIBR ARM InterestOnly
Loan Type: Conventional Loan Amount: $ 1/374,400

Loan Purpose: Purchase Cashout Amount: n/a
Loan Prog::-am ID: 657
102 / 745
Credi t Score:
Property Usage:
Property ~e:
Primary Res.
Single Family
72~
Appraised Value:
Purchase Price:
.' $ 1,718,000
$ 1,718,000
Value for Calculated LTV/CLTV: $ 1,718,,000
Amortization: ARM Term: 360
Note/Qual. Rate: 5.5/5.5%
Max Qual. Rate: 5.5%
First Lien LTV: 80.00%
Second Lien LTV: 100.00%
CLTV: 180.00%
Calculations: All Borrowers

Total Income: $ 33,333.00
Total Obligations: $ 10,465.91
PITI: $ 9,509.91
PITI Ratio: 28.53%
Total Debt Ratio: 31.40%
Months Reserves: 6.82
Reserves amount: $ 64,843.00
===================== 3.0 UNDERWRITING CONDITIONS =====================

The following conditions must be satisfied:
Ability:
The SALARY income, $33333.00, from a BASE job of NIVIE SAMAAN has been
used to rate the ability. Verify 2 years history of this income
using Full or Alternate documentation.
Appraisal :
If applicable, if this loan closes over 60 days from the date of the
appraisal, obtain an Update of Prior Assignment 2055 Exterior Only
verifying that no reduction in value has taken place. The Update of
Prior Assigp~ent 2055 Exterior Only must be dated within 60 days of
the Note date .
. standard Full Appraisal or 2055 Interior and Exterior required.
Additional Field review done by a CHL approved review appraiser will
be required.
Income and Employment:

Verify that the self-employed borrower, Nivie Sw~aan, has been with
the same business and at the same location at least 2 years using
such sources as (i)business licenser (ii) CPA, (iii) Regulatory Agency
or. (ivlProfessional Organization. Note: When verifying employment,
no income may be disclosed.
Assets:
The borrower currently has 6.82 months reserves. Verify all assets
entered into CLUES.
Must be verified by obtaining the two (2) month1s most recent account
statements or VOD. The assets must be the Borrower's own funds.
other:
Obtain a sigped 4506 for borrower NIVIE S~~ prior to funding.
103 / 745
===~~================ GENERAL LOAN CONDITIONS
Based on the credit report obtained in CLUES, this loan must close on or
before February 07, 2005 a~d credit documents must be dated within 120
days of the closing date. For new construction, it must close on or
before April 08, 2005 and credit documents must be dated within 180
days of the closing date.
If the borrower is a Realtor, sales associate or [real estate] broker,

they may not use any commission earned from the sale of the subject
property towards the downpayment, closing costs or reserves for this
transaction.
If applicable, provide satisfactory documentation to explain any
variation between the loan application and the credit report:
* Variation in the applicant(s) address in the prior 2 years
* Variation in the applicant(s) employment in the p~ior 2 years
* Variation in the applicant(s} name reported in the AKA Information
section of the credit report
* Any indication of Social security Number discrepancy or fraud in the
Fraud Verification Information section
Review the Preliminary title commitment to verify correct vesting and
legal description and clear all liens and encroachments that would
impair the proper lien position of the subject mortgage/deed of trust.
Obtain a copy of the Appraiser'S current valid state license.
Obtain a signed and dated Final Loan Application.
If the property is designated in a special flood hazard area, a valid
flood insurance policy/binder is required prior to closing evidencing
the appropriate lender as the loss payee.
CHL will not finance more than 4 loans to one bbrrower. This limit
. includes loans already originated, as well as loans in the branch
pipeline. Exceptions to this policy can be made up to an additional 4
loans iI the following parameters are met:
Purchase or Rate and Term refinance

Fixed rate only
One Unit properties only
Maximum LTV is 50%
P~y exceptions to this guideline MUST be approved by the DivisioD's
Underwriting Support.
Provide a copy of the appraiserls invoice/bill for the appraisal.
A valid hazard insurance policy is required evidencing the appropriate
lender as the loss payee. Satisfactory evidence of hazard insurance
coverage must be obtained prior to closing. Satisfactory evidence Cfu1.
be any ODe of the following: Declaration page of the policYt policy
binder with proof of payment or complete hazard insurance policy.
coverage must equal the lesser of the insurable value of the
improvenents or the unpaid balance of the mortgage, with replacement
cost endorsement to compensate for the full a~ount of damage or loss
to improvements. Note: if the complete hazard insurance policy is not
obtained prior to closing I it must follow as a post-closing trailing
document. .
104 / 745
Loah must meet all oth~published
requirements on occupancy, loan ba~
type, borrower characteristics and documentation type.
========~~===~===== 5.0 SUBJECT PROPERTY EVALUATION ===================

-- 5.1 PUblic Records Analysis ----
Street Address: 320 S Peck Dr
Beverly Hills 90212
Owner of :Record:
Zernik,Joseph H
property '1'ype:
Single Family
Gross Living Area:
2,650 sq. ft.
Lot Size:
6,400 sq. ft.
Assessed Value:
$995,213 Year Built:
1930
Prevo Sales Price:
$442,500 Prevo Sales Date:
05/30/1997
# of Bedrooms:
4 # of Bathrooms:
3.00
sales Com:parables from analysis of Public Records:

.Address Sales' Pre. Sales Date Dist. Dr Sq. Ft. Lot Size
------------------ --=-------- ---------- ------ ------ --------
345 Peck Dr S $1,525,000 06/02/2004 0.0 In S 2,719 7,680
344 Camden Dr S $1,445,000 08/02/2004 0,1 In SE 2,539 7,336
249 Linden Dr S $1,500,000 10/29/2003· 0.3 In NW 2,939 7,040
308 Bedford Dr S $1,500,000 08/27/2004 0.1 rn W 3,014 7,680
208 Peck Dr S $1,675,000 06/09/2004 0.2 rn N 2,607 7,680
502 Hillgreen Dr $1,995 1 000 06/14/2004 0.5 m SW 3,499 7 1 244
439 Spalding Dr S $1,400 1 000 04/27/2004 0.4 m SW 1,911 9,100
312 Camden Dr S $1,965 1 000 02/20/2004 0.1 rn E 3,107 7,680
225 Rodeo Dr S $1,800,000 01/30/2004 0.2 m NE 3,904 7,040
==:========================= 6.0 AN~~YSIS =============================

-- 6.1 Scares ---------------------
Borrower Code Credit Scores

TRW EquiFax TransUnion Final
Nivie Sa'11aan P 723 723 730 723
(Borrower codes: P=Primary, X=Score Excluded)
FICO Factors for Nivie Samaan. Score: 723

Number of inquires within last twelve months.
Relationship of balance to high credit on bank/national or other
revolving/open accounts.
Length of time since most recent payment information.
Outstanding balances on revolving/open accounts.
6.2 Credit ---------------------
j
105 / 745
T_~_t_~l_Ab_I_~_~_~_~_~ -_-_-_-_-_-_-_-_-_-_-_-_-_-~-_-_-_-_-
Court File: "Volume IV Continued" __
__
-- _
Borrower/Job
Nivie Samaan
•Salary
Income Type Amount
$ 33[333.00
Total
Sub-total: $ 33[333.00
Total Income: $ 33,333.00
Ratios:
The following liabilities were included in the Obligations:
Borrower Type Account Name Account # Payment D£lt

------------ --_ .... ------------ ---------_ ... _---- ----------
Nivie Samaan rvlv WASHINGTON .. .. 00000629063611 $ 182.00
Nivie Samaan rvlv FLEET cc 430550033675 $ 200.00
Nivie Samaan rvlv FIRST USA 433237006104 $ 194.00
Nivie Samaan rvl v BARNEYS NY •• 6003355682 $ 114.00
Nivie Samaan inst FIRST ENTE •• 925840600 $ 266.0.0
Total: $ 956.00
Dflt: Defaulted payment code:

$10~ Default payment of $10 on accounts to be paid off.
a~= Default payment of entire balance
5% = Default payment of 5% of balance.
Monthly Housing Expenses:
Item Amount Total

---------------------- ------------- -------------
MHE Present:
P&I $ 6,299.00
Rent $ ~[390.00
HI $ 400.00
Tax $ 1[790.00
Other Financing $ 1[020.00

Expenses
Total $ 12,899.00
MHE Proposed:
P&I $ 6[299.33
HI $ 401.00
Tax $ 1,789.58
secondary Financing $ 1,020.00

-------------
Total $ 9,509.91
On $1,374[400.00 qualified at 5.500% for 360 months. The MilE total

of $9509.91 was used to calculate the housing expense of 28.53%
indicated in the Summary Section 2.0.
Qualifi€ d at: 5.500%; ~~ortization term 360; P&I= $6299.33.
Total D€ b t
106 / 745
Item Total
Personal Expenses:
Credit - $ 956.00
HHE Proposed:
PITT $ 9,509.91
REO Expenses: $ 0.00
Total Debt $ 10,465.91
Note: The Total Debt of $10465.91 was used to calculate the Total
Debt ratio of 3l.4D% indicated in the Summary Section 2.0.
Details of Transaction:
Item Amount Total
Costs:
Subject: $l,718,QOO.OO
Existing
Subordinating 2nd: $ 171,800.00
Prepaid Escrows: $ 6,213.00
Closing Costs: $ 20,544.00
Sub "rotal:
Cash In:
Loan Amount: $1,374,400.00
'Other Financing: $ 171,800.00
Sub 7otal: $ -1546200.00
Cash From Borrower: $ 198,557.00
Reserves calculation:
Type Amount Total
----------------------------------- ~------------ -------------
Liquid ~~ssets:
Accounts & Funds: $ 263,400.00

Sub r:rotal: $ 263,4.00.00
Less Fees & Expenses:

Cash to Close: $ 198,557.00
Sub 'Total: $ -198,557.00
Total Reserves: $ 64,B43.00
The cash to close, in the amount of $198,557.00, was deducted from the
liquid assets.
CLUES A*E Version: 04.09.28-FL (Sep 17, 2004)

Division: Wnolesale Branch Number: 0000933-000
Innut Fil €: tmp4BD.tmp Request Version:C
Tracking :Number: 0220933000008173737503
107 / 745 Input Data: Detail
AMERICA'S WHOLESALE LENOER \.,...I
Broke< MICHALL ';1\..'11>$ O'Rt:r~!.y DR'" PACll'IC

B[~nch t· 00009J3
150 ~[N.)~Fl:O $T~~i:7 S:-r<: i :t. 8",k_
~. VleL)R PN<.KS
SAN R~r~~L. CA "4YUl
Phone; il15i~57 2701 &01<_
Phon. (4151444-~44R
Be Fax NC).· (.:tl~)2'j':j-G86t>

On>k_
SUSPEND!:O by Fox' (4~'i 4)2-4,'88
DIANE fRAZH:R lQf14/2004

51p - -
:;q~ ~"..(~
Tllis Is to Inform you tllat your loan aubmlsslon w" 1't"I~ It the tvlTM lIated below:
8om>we<'. Na-ne: $~N, N IVI E
P"'P0ge: P URCHA3 E, Ow:.ER ace I; P r ~O-,•.,..R_E:_·u_'_iI_C_E.;.D-;,..,,- _

S1art Aale, S. 5 00 ~'1art Te<m, <; D lTV' HIJ.OO
Lo.t.NAMOUNT: 1, J74. -loO,·O-iJ~-
Sebject to the specifIc condltlons ll.ted below, we w~ll be dtJ~ Lo appr0ve

your loan 3ubmise~on. For dll ~ubmlSslons. pending flnal appccval, no change
in th~ borcQwpr(~) tlnancla: ,catJA o~ employment can occur, ~nd tr.e ~red1t
d()r.lJmenc~ and app["i~al must rem.no curl'ent.
~o SVOld hdving you~ submis~inn cloeed ~or lncomplvtenp'S9, any ~tems Ll~~ed
below c16 'Requir-Qd Pr ... oJ:' Lv App.ro"J&l' mU3t he recelved wirhLr: Ie da.ys ot the
d~~e ~hGwn above.
000I.. _ •• _2'~, 17
021' BORROWER NR:11EH EXPLANATION REGARPl~G

Acceptable ~xpldndtlon why bU6~n~.~ In 411 r~Ver~e i~ ~n 12;7 Su
i\lfred. 1..1\.
Af'PROVAL 130. OTHER CO~ITION 1
Corp "-PPLi,.lVdl "'~Q'd for:: thiS ~'1hiHI(,;ed pLlqr&n w/ . -'5\ add42'd to
t~Q ~ any conditiQ08. ptovldQ d c~plete copy p4ck~q~ dlonq w~th
all condition' 1n trip:lcate
APPROVAL OP~H 139. OI\-'.}:;R cQNrHT10N :2
pric1nq to ~ corr~ct.~d to ohow . IS\ ,ida Co fcc- for thl~ enhdn~""tJ
@xc~pt1on prcqrdm
APPHOVA!. ()FE":ti 1..41. OTP.LR C:ONOITION 4
v~rlty SJOx on depoait wi ~~r.row ~/ 'QUrc~ veriti~d
APPROVAL OPEN 142. OTHeR CONDITION'
Provide c~ple~. ~x~ctlt.d pUI~hdge CQ~tr4C~. ~~r.row Insttuction5
WIll not ~ct 4' a .ubstitut~
AP?ROVAL 0PEN 141. OIKLR CONDITION 7
Prov1d. OJ' buslne •• ~ic~nsQo or CPA hl't.tet 'I~L"ltyttiq rl.l~j ~l1..:at 2.
y~~ l040'~ d~ ~@lt eroploy~ ~Am~ iOC~L10r.
Ar~ROVAI. "rl:N 14,. OTHER CONDITIOIl 8
~F bk atmt tb81-·4099JijQ (Ot 1/12 thru e/12 d~ S180k
[)QClJHJiliTS OP1:N 006, APPRArSAL-ACC£:PTMLE nt:.n R~VInr iTO SUppa!'T ' _ ..,)
««,«< CondiLlon ~r.!o~tion ~ont1nu~3 on dtta~h~~ 4dd~r.dum »~»»>
~/.lQ~~
n_
---~----~---
FHI\f,I M:J:J "'"

• uf',(lERW\lIT"'G ~Cl6lOM"~ U.TIl.R 50117
~US 10701><:1<1\
lUll
• 2 3 I • , •
111111.11
• 0 • I 1 3 7 3 7 5 0 0 0 0 0 2 C 2 eo·
108 / 745
,'j 1- 1, ~~:':f-_~;13;
ADDENOUM TO UNOERWRmNG OECISlON/CONOmOH L£TTER

(pAGE ~ OF 2 )
L<W1 It, 8") 73 7 ~
ReqLli'ed
PdQ' To
SL 119,000 pr69r.a.m q'..Jld.lll1e ... :. cost til br ... ~, .... llt vt,Jt:J: ... :=ter
corp d1pp.lov4l
DOC1;..I:IIT S Of't::N 064- CORRE~,F~/SIGNEO 1003 tAT ~OCK-IN-RATtl
sho~
typ8 or bU~1r.ess
DOC1Jl'1E. N"'"'; S OP,t;N 10. OTHER CONDITION 6
Acceptdble VO~ cover~nq pr~3~nt re,l~ence, req'd for ~nd
fU!-lDI t-O('i OPf:N 007, "PPRA[$AL-ACCC~t"Bt.£ ~HL/NEN l\.PPMI$-'t. (MfN 'JAl.-S_J
if not. !vnOOld by 12/2 provide '" dClv~by ~)(t tl:1 "" rcce"L
FUNP~~G OPEl' OlO, APPAAr~A.:" APPRAISER TO PKovtDC CUAA.F.1fT L1CLNSE
PrnV'Ldt!' l'llso 4n ~dd~ti0!J.. I 1oQ>t of colQr photo.
rutlO;;NG OPl:.tI 0;:8. BROKER CERTlf'IChTION TH....T ALL COPIE:S ME TlloE AND CORRECT
FUIIOING OPEN 0-", HELOC - COP~ Of rIIlST MORTGAGE NOTE
Concurrent Glo~9 with 2nd . t S1'lAOC , prov~d. not~
ruNlHIIG OPEN 09J. INCOHE-COHPLETE/SIG~EO ro~~ 1~06 I 95-01
Fl.JtlDING ()PFN' 140. OTHo. ~(}NOrT:ON J
Co14~L~ $400 ~pprals.l f~eld c~vi.w tp~ tro~ b~wc I~ e~crow
I'loW\'AJ'X)t<,V
• UNOI'RWRlTlNG OCC~rnoN L~ I 110M
2G'll<>US (a1.o<)
50118
109 / 745
unifort Residential Loan Ap'cation
Th;, apP'c.1I,o.1 ~ d.'I;Md \0 b!l eomp1eled tJl1h9 app::eao\{s) 'Mill I'. Lend~s ass~taJ1ce. AppbCllJl!> should ~."p\el. (tJ' lo:m as 'BorrJ,,,,r oc'Co-Bem:wef", as
JPP"catll~ Co-6orrO'o':e: i"fcrmalJ~:1 rr,u':i1 nlso be prnv\~tXt {ana tt1e a~pn:priale bat c.l",ecked) when 0 l/'I<1 l1c:::ml:! Dr assets of D perso~ c:.hN L~fl.!1 t.,;:! -Bonllllre:"
;Lndu:tn{l !t·o BorrtJ'o\t:r's SPOiJS13) \'.111 biJ u!>C!d iJ.:ii a bJ.5~ br loa:'1 qiJahr:Cdt;on or 0 lJ'\a in:;.ome rr. i)ss.ct~ of the Ba.TO~r'5 Spau~9 ",",II not be l..J~!'.d as J tiJSis. for loan
qt;;:~ific,.~.on. but h~, orner ::ab:1lu::s must be consIdered t:ecause the Borrower resides lJllJ W'mmU:1l~ prcperty !:ti1:e. the seC1Jri:y P;o~~/I~ located If\ a ccmmur.lt)'
pruperty !>tate. 0; [,"1(' BO~~:5 rcly,n~ on o:hcr pro;Jerty 10000Lcd In n commur.ity prtlpCJ1yst.a1e as a ba,ls. {or n:paymcrrt It. the: io.lr:.
1. TYPE OF'MORTGAGE AND TERMS OF LOAN

Mortgilgo OVA IAg~ncy Case Nur~be( Lo:ldcr case Numter
I\ppltod fer; D FP.A
Samaan
I
,o.mau:lt OOln., (.... plalo):
1,374,400 \. 3601360 EllARM (lypel: 5 y, 110
II. PROPERlY INFORMATION AND PURPOSE OF LOAN
SUO,Q~ ?rnoerty Addm.s~ (Mel c'ry, sm~, ZlP)
IN~.or CrUs
no S. Peck Drive, Bov.,ly Hills, CA 90212 County: Los Angele!>
Legul Des::t.pJc:"I 0: SubJf:et Prtlpen-r \ti~ch dsscnplJcn iJ noco~s.ary) Year Aulll
So. P",limlnory nuo Roport
1930
Pt.:tj;o!.e 01 Lean ~ Purcnase 0 ConStN~cm 0 Olh~r [o:pJa:n}: w:1I be:
~toperty
o
Retinan..:a 0 CoflslNetian-Perrn.anal"lt @JPnma-y Rc.slden:::c: 0 SCco...,..:Iilry RC-s,lce!p: 0 1rl\t~::>lr:lil,'1
CompJcro this hnc- If construction orconstTuctiOl1·pcrm'JnMt 10iln.
Year lot lorinJnal Co~t iAm)4Jnt Exislng Uens IC31 Prese"l ValJe of~ (b) Cost ollmprovc.",nls ITo~1 (o+b)
Acq:Ured i I
i
IS IS S IS
Comple'e Uris /Jn~ lfthl!i Is D rrfinllnc~ lo.ra..
Year.
Ac~U1r~d
OrigtnJl Cos: IAmOutlt E.ns.tt'l'jjl Uers l,pu:l>Osa 0' Ref.I\J1\Ce 0esa1be Irnp~Yeme.1ts o made 010 b. ma,j.
1 CostS
Tiue wi!! be he'.d!n "'hal Namo(s) N",le Some"" M.nner in ",tJch TiUe ",,0 be held 18;"'te will b. h.:d in'
An Unmarried Woman ,- Fee Simple
l1rccce=-a"r"'O-=",ccm-:C-;;P=.yme=:::nt=-.""Se:::,"'U"",=,:::n'"'lC"'h=''''-='Il=",-=-=-an:::di''''''=r'''S'''ub'''o=n;I::C Jl:::O'''\>;-Fi'''ID:::p=",,=ng=(c''''ll''1<l:::jn:::I~----L--'..--'.._----------:r=:J
"scc.cc Leu satmlj
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,..,-------===-------I;;;n~.
B;;-O;;-RR==O::WE=R;-'::;N·FO=R::;M~A-;;T::'O::N:;---------;Co:;-:-.;:;B-=-or:::,:::ow=cr:----'-----------,
c~e(l~r'~ NamD [Include Jr. Or Sr. Uappl::::.1ble)
yl"'.... S::.haol
Pre5Sni Address {~ec1. city, s1a1e, ZIPi
12271/2 S. Alfred Streot

Los Angelos, CA 90035
tAaJlng Address, if diJiclfrJ from ?f~senl ,A..d.1res'i
g:
Former Adare1S (street. city. 6tat!, ZIP) No '(rs. Fonner Aodre!S (street. nl No Yrs
OCT 12 2004
Borrower ENT INFORMATION
N.JfOO eo Address of 8npioyer @J s~lr E.m~.O"jtd VI'S, on tMs. joo Nome ~ Address of Employe:
4yr(5'
Spallbound Entorprlse, Inc.
Yrs. cmplc~d ~ L"li~ Yr5. omplav,d In Ih.;;
133 S. Peek Drive, Sui~ 104 l,nit of v~rkJprolcs.sI::m tne ofwork.'pro!e.:::.UJI"l
Boverly Hills, CA 90212
2G
3u::mt'.Ss Phont: (;n::t a.rea cad!.')
Presid~nt 32.1-655,5654
f{ employDd in cummt posiUon forft" Ulan two yailf.S (Jr/r cummtly amploy~ In mo~ than "no pc~il,jon, complete tf;l! foIlcwil1!].'
Name & Aijjres, of Err.,!c)1" Q S<:lf Em_'o-{Od IDOl'" (from-Ia) I NlUTle ~ Addtl!.. 01 Emplmlor 0 Self Empi<r",d Dates (lrOr:"rto}
II~'""'~) In='no l__.

I ~~~
I~~cnlh'''' ]r.~,""
I
~P-o,"'",o-rur;=,''''<fT=)''''''-:D'''1"9U"""':n",,,-,CC'~-----"'18"'U-""':'1::'5='"",?~"Cn9 nnd. area code J POSl~l".trrl'"":;;_cr",=l'=-O-=-af"9;:'u:::5in:;:',.::::."~-----'i-CB:;:",;-,n;:;B:;:"':-' '"Ph::~:::n';:'. -;;Qn::::~",-;:e:;;==c-=""::,:;-)-
U Self Empio)"ej ~cl!e$ (f,"Om·t::l) iNl1rT1e &. Adjre~!. cf EJTlp-o~r o Self Employod O.t!>s Ilrum·t,)
I
r..:=,....,.,=,-,---;
~fJinthl'y l:1l;."HTit:l l ,I ~~I'\:.ruy lnccmc
P:)'::_LcnJ_r;_,.~_,e_rr_fP_'_C_f_E_'J:;_;;l_'_'_' riJ~n.-;;; PnC'" (InC! ,,-,"e.:O)_["Si,,,mMI". 01 BJ"'C:n~C5:::s--'---"18;c'J!:..nis.s p;}~.-¥.; (Ir.~ .•1'ra CCC~}
F."!ldOIO ~~a: ?C:'T7'. 85 ·')1ro4

Ca.yx rC:TT"I1C:)) Lo.:;u;Jp1 ~r?f1 01184 Computer Generate9". 1 of <
Handwritten 1003
110 / 745
i ----I VI. ASSETS AND LlABlUTlES (conl)
Schc;1ulc of RCill80tJto Owned (if add,t:·::nal propel1.i~ 'Ire C"...mw, use con1:nu;ltiOn S:":eEl}
• --------------,
Prtl~crty A.d~ress ;el1wr Sit f>C:d, PS ,f ~~d.if19 SoW21 Type o~

cr R:! :enOl bt!::<g he:d for l:lCO.llS) I PrcpGl'ty
Preser,t !
MarketVa.'uB !MortgaGSS & l;er.s
AIr.OUfl\ Qr I R!?~J tnco~
Gr~ ~.~crtgilJ:
Payments
I 10'
,1JI"'3r"lce.
I MilIe-.unance, \
Ilaxe..s & Mise..
Not
R~r.tJi Inwffie
I I s s s s is s
1
I !
---~ >oj,
I
,
:,
LIst <lny addlUonal namos undor which credit has prn"lously beon rveolvod and JndleOlta approprlato crcdUcr nameis) \!nd account mlml:lCr(s)o
E I, :,
;uc.'T'ld:::: I\Lami'! Credltcr NJmc ACCOunt Nurrber
VII. DETAILS OF TRANSACTION

I VIII,OECLARATIONS i
il.1'urchasD pnr.e Is l,71B,OOO.OO Ir you asfUW1!t '"yes" to nny qUCSU:lrt5 It throtl9h I, pletlSO u!o contlnlUtion Borrower co--aorro .... C(
shoot for oXpbntltlon..
b. A/leratlo~, lm;lfovemen:.s, reoxrs. Yeo No Yo. No
c. Land (If i>t:::IU red s.e~iUai:2Iy) ~ 0 0
I a. Are lJ1ere any cutstand:.r:g JUdg.'TIenb i10aJns1 "cur 0
d. Re:inance (ina. debts to be pakl am I b. ri~ve,oo b~n declared bJn''\JtIpt ""1~"1n \t.e j::<n17 ~af6'j' 0 ~ 0 0
I c
:1
e. Esllmated prepaid i:ems 6,299.~ Co Have you h<ld proj:l!:11'J ftj'edQ:iea ,"'pon or g!ven UUO' Qt deed tn ~H1U tnc.~a: 0 0
f. Es~malej clo.sing ros'.s i 21,816,00 In tl",e last 7 y!4n?
PMI, MIP, Funding Fee I
Q. d. ;va you a Pilrty to ill~iJll? 0 0 0
h. Dls,",unl (II Bcrrower will pay) e. Have YOU C<redJy cr Ir.dl.~cOy ~en ObJ':13t!d on B1ff loan v.hlch resu:ted In 0 1YJ 0 0
I. Total costl; (.dd IlCmoall1rou9h hI 1.746,115,33 tcl:acoslJre, transfer or ti1!e In l)e:J or fOi'K1~W1e, or 1l:t:"gment1
(Tt"~"'"JU:I ~~. ~twl: ... rn-na ~SQa~AM. SaA~"l.1. h.:X\'l.j~~tmIIIt.
J SubordinJte f.rlJtlcong 171,800,00 'c.-u, 1C:~\i~1l1t leans. ~ {mtbl.) hl':.".alclW., .:wy rxrt:g'W Q• ~n-=J
cbtp~::::t.bc:r4,.CI'to&nG"..QWlln. 1'''Yes,·p''''''~~~h.t'l~;J~.I'\AtMDll::l
k. BorrtM'er's clo~nl] costs paid by Seller AjdruueflVlCU. RiA crVA~U~t.f!.ny,an~ru",".Crl:1.ect.Dn.~
l OtMr Creditslexplain)
cash Dopaslt 30,000.00
f. Are you ~rese.n\tr' ael[f'll:;u~ntor in defaull on any FedclOll debt ot tmyether
loan. mo:tgaga,
u~cu,"~M:l' CSIJtIlb u
financial o!)J;gatJon, 00:\0. (;f loan gt.:ara:1!.ee1
dMalbcd 11'\ U\O P;l:tt:l~ Cl.uen,i:m.
0
01 0 0
g. Are you otii;a!Bd to pay BJlm:::ny, d1lI.d support, or separate malnle.n3l'lcs'? 0 ~ 0 0

". ts Brrf part 01 (he CO'Nn payment bOlTO'.ved7 0 1YJ 0 0
L Are YCU
___ • • •
j) ~ r or
••• - •••• - -
endorser on II nob?
__ • - _ • • __ _ • • • w • • • ___ • • • • _____ • ____ • • • • _ ' .
0 ~ 0 0
~
_
~
m. Loan arTi::lunt 1,374,400.00
j. Are ycu a U. S. cUun? @J 0 0 0
(o<dude PMI, MIP, Funa'ng Fe' r,n.nC'!d) "'... AIl~ J'OU n penntlneru fe3ldenr nnen?
I. Do you I.ntend to occupy tho property a3 yourpnmary ~ldonco1 0
0 ~
0
0 0
0 0
n. PMI, IIIP. Funding Foe [\/lanced
o. Loa.n emcunl (add m &. n) 1,37~,~00.00

11 "Yej," COfT1pll:lo cllt,S'on rn bek.!w.
:m.. Ha'JEl you had an O'MHJ,1i~P lJil\ll'C~t In a property In the IJst th.i't!:!! YCZfS?
(1) Wl'.O\typo 01 p"'peoty dI<1 IOU QWI>1llillO_.I,e.sldent< (PRJ,
0 0 0 C
5l!!cond heme (SH). c: ~1.I'nent property (IP}7
p, Cash fJ1)fnJ't.o Borrower 169,915,33 (2) HO\y dld you ho~d li~c to UHJ l\om&-~lcJy by y~olf (S),
(5ubt.m..:11. k, I&.0 frem r)
I JoinV)' ,'r-Ill)'TJ1JJ SPQU~i,l (SP), or jclnttywil.tl nnalh.er person (0)1
-
IX. ACKNOWLEDGMENT AND. AGREEMENT
I
- . .
Ea... ~ o. the lJnd.!rs1onej Slle:t~ reprl~.Lnb tJ) ~I'lc!er nn::t to lC:"ldcr~ o~l or potenUallJ.QCl~. brok..cf'!,;. ~1li • .J:tomey-. lJ1 .. urer;, loorva::.-t:ni... u~.. on. Ilnd n~{ . .'lS
o1nj iJ~~:':md: l1ci:nay.,~1I.S tllo.t (1) !he Info:mahOn proVL:le-d In lou,. D.,~Ucm 1'1 lnJo Dnd txlttecl iJ~ of I.1'ltt dOlln ~Cl toM OPPZ:UIo my ~hJro £1M 1J',JI any Il'ltllnl-:::lliil 0:
I
.. -
MnliqC'lt ml!.roiln:;cntlJ~n 01 l"llJ, i:"lfOTTl'Ul.t!on c:::ntaine::lln til:" awUe.at.lon l1liIy fCjIwlln ci...lIlJDb;'oly. i~t,;d1l1[] :nooatary dJr:ttlgo~. to ,any perr.on whO mJy ~:,jlu 3J'ly loS3 due tD
re!l.Jnat upon 'In,. mIHt:;:lresefl~UCn that t havo rradD: en lhl~ cpp:.c.a:krn, IIrd.lCT In e:irr.in.DJ per.nJliu II't~nv. b~ not im;:~ ttl, (Ir.G or ImpruonmcClI or both undo; lJ)n pfOV"~lon ...
~~~~::.~~~~~ {~f1.~: ~~~I ~~1bee~~_}J;~.~Oi:~~~ ~~~~~.~~~~ :\1~~~ii~~~e~~:-~~ ~; 1.~fs~~~;:;u:~rr:g~~~~r~~ ~:~:'~ ~~l~~~~

re.3lcentnl mor1~~': ~n: (5) Il1e P:-t:S;erty......m be oeo::..tpied 03 bdbted herein; (5) alW ownl,'!! 'Or ~cl\1ror at ltlQ La<ln miJ)' varity or rovnr::y any !:l:omwton eont;:iMd In !.nO.
appbCllllon from W'l)' t;i:iUlt:lJ r,;:untd in 1his np;lGcal;o:'l. D11d L£ndc:-, lb IUa:.es.s~ CJ' assJgn~ may rG~ tho cr1~nl and/or an el~ronlc record of thls.lJ;::s;i.ca50n. avun !f lJ'lo lO;:1n
~st2~~~~::~~J~~'-:~~~~~~~~~~~~~~~~. J~;~:~~=S;:~'1~~:~:= ~~n:t~~~~~~~;=;~~c:'~~~I~f;:~~:~~~l~~olrn;o

Loon; (5) In lha l!Vant {hOlt rrw pI)1TIents on tho lDIn bec:omo dctnqul."f\l t.,e DYr.'ltt at" SCf\;)CO( of tho t.o.:.In rr.ay, ~n n~dll.ltln to .ny other n~hts lind ren.e=.e' that It mllY hll,liQ
rciD.LntJ to "uch dal,nqIJcnci. report my ~mo and IIC(:OiJ.,' Inlo:mlt:o:1 to 000 IH lTICllt ecnsumer credll rt'POrtna DgM:2CT, (0) O'I\~ef""..hlp of tnCl nndfQf ::l.:lI'l'./tIls'J:l.ticn of !t,O
Lo,r'l ~U;:O\lnt may bo tnln.:.tmed .....,t,'l:;w;i1 nctiGO Ol':' mtly be rcqu!rgd b"/Iaw: (10) nol~r lfnd(!f norlb ll1le!l~, brOk.Cr~. ir"Ufcrti. tortvicen1. ftuc:i)ll/lO:'!l or £I'-!ligns hlU m<:do ;In)'
Loo..'1
~prcttll"ll.tion cr'IWrrnnty, c..:prcJ or un:6ed, to mo rcull.rdm.Q lh" ptxlPll'rty or L"lO c.ond:tlort orvt!bo of tno Pn:Jperty; nnd (11) rrrj tru:umb;lOn of the (II'P~COJlJcn 0' 01\ "~::.1rCnl:;
roco~· eel',Q!nlng my "e).el;vook: 4ig~1J.Jf"b,. o.s tttoso term!> 111'$ denned 11'1 ap~~ fedarul a1"111/or ttaln ~ (e:.rttJd:r.g audio ond viOco rt:::crrlin;:-.), or rrry ta:sJrr.i1o
lr.lt'l!omls.s;on of lw'111 lJP;ll:c:JOol'> co:r.ainln; 11 facs\tniie cf my ,IGnl2tJJrn, oJ'UJ~ bo c:; oflcct;'t't. en1orce.:1bla Dnd VI.fd ~ If III papl!rvlt~lon c1lhls f1PFIlClt:cn ~ra dc!:lv~ted c:lnt.:linln!)
:"y onrn.'aJ ....-r1 :ton !.-rU'o1tlJ
BomJ\' s onature Data Co-8onv.ver's Signature
~ I q-~7~~~
~'=I-'!<:.!"""'-'='\c-9c..;..:----X-, INFORMATION FOR GOVERNMENT MONITORING PURPOSES
Tna ICl~aw,nQ information Is reQu~led by tho Federal Goven;m~t'l1 for certain types of IOOl!1S reta1ed 10 a d'.vvlllng In Ord~1" \1:) monltortho lonoer's corrp ,tanco,";j) cqu:il credit
oPP ortUT'llty, fai~housJng and heme mortg;lo~di~c}Dsura 1U'N:i. You arenol requL13'dto furtlSh thIs lnrormatiol\,bul are eflrourag!!d:o doso. Th~ lawprovice!; thllt a Le nner may
"l.ScnrnlnatD nCll.neron the baslsof U':I sInformation, nor on wt1Clhoryou c..1ca~ fa (umlsh lllfYtlu furnish thelnforma~[onr plea.e prD\'idD both ctl'.n:cirynl'ld mea For i3 ~,Ij'Ou
rJ
mrIy ch.~c.k more th ar, on9~eslgnal.:on. 11)'tJu d:lnQI m:'ih etnn;~l'y, race. Of sox. undl3r Fcder.llregu~atio r:s, th.!s lil :"Ide:r lsrequired to nolD Uta In(orma~Dnon lh~ bOlSls of visual
obs~ rv<I~ Cil or sum ar:-tC:. Ifyou del nDtw;sh tD'uml!h Li e:"formaUon, p1easechlJc'lc: lhoboxbelcw. (Lender must mvl~ lh~i1bow maleTiaJ ~onssiJrnthat t~.e disclo;ure:; sa~sfy
aU requ;rements to which :r.o lander is SlIJ,et:l under JPpllc:.atl!9 .s.tate IO'H fo:, the part:ular type of loan applied for.)
BORROWER 0 I do ool\,J1,h l:J fIJ{!"lli-t'l \h:.3 i,i[;.'r.utcn CO·BORROWER 0 I d~ not wIsh to fiJml$l to.,., i~iormQlk~
Elhnlclty: OH1s~il~{J'LDU.'O ~ No~ l1.~Dlll',,: or La\J.~ Ethnlclty: o HlJpar.1c Of Lill1n.O o Nel Hl.,;a'1k Of lz::irto
Race: o AmorlCOJ:\ ir:jilUl Of o A&lan 08'1.0 or Rico: o American ind S:l 0, o Asian 0000< "
MnC<lJ1Ar"Of):.;;;ln
AJ~J:o 'h:h.'e A!n~ AI1.,~.i::an ~KD.r"aUvo
C1 Na',,'Jo H~·.·.";ll,an cr ~ ~"i?'.lo o NOlli.... o Ha",-;:d,.:):"l

or Oy.,1lJl.
OI;'Cr P.u::i~c 1~~D . \ctC"r Ot."'let ?Ol:ifi.:: 15.nnder
Sex: ~Fcmu:o 0 f.~o1kI Sax: OFomalo r"",Ma.'o
To be Co~mp~,cted ay \n~crvIQWCi ln~~~ ;;. Name (PMnJ Na"11e and Address of lnlerv;e..... er"s .8r.p:oye:
...,~:; app.!ca~cn WJS ta~el'1 by: ct r arks Pacific Martg,ge Consul~\s
o Facc--lo-face ir.te:v-,ew 700 Lurkspur Landing Clrelo #'Z75
OM,'I
i¥JTeJe,hone
TV'/I ~-~ "1-
:n~;owci'~ Pttcne Numt>2r v:'1ct.JrBZl codo)
J1·0'1 Lar,spur, CA 94939
(P) 06B·575-5693
O~~;emc! (F) 310-l96-3256
310-275·5353
FrO'dc.o Mol:: ;::orm S5

C.:t,~')( FOI;r.1COJ LCJf',J~p.3.r~
010"
D1lC<
Computer Generated Pace ::l of 4
Handwritten 1003
111 / 745
-- - - - - ~ - ~ - ~ - - ~ - - - - - ~ - - - - - ~ - - - -
Page 1 of 1
SUbj: Samaan Loan in Process Todaylll

Date: 9128/2004 10:04:32 AM Pacific Daylight Time
From: Victor@PMLoans.com
To: mjlibow@aoLcom
Hello Michael:
This e-mail is to inform you that the loan for Ms. Nivie Samaan has begun process today!! We've crdered escrow,
title & appraisal and estimate final Joan approval within 10 business days.
You look out for your dients everyday -- and so do 1. Our #1 goal is to provide our clients with unsurpassed
customer service, along with the best rates and programs available.
We're confident that you'll find our level of service and commitment second to none.
Sincerely,
Victor Parks
Sr. Loan Officer
Victor@PMLoans.com
310.275.5353 Office
310.496.3256 Fax
Monday, November 08, 2004 America Online: Mjlibow

0121
112 / 745
Subject : Samaan Escrow Instructions & Prelim
Date Tue 5 Oct 2004 17 3900 -0700
Linked to: Michael J Llbow
From Victor Parks <l)lctor@PMLoans com-
To Michael J l.lbow <,mjllbow@aol com>
Hello Mk:hael We'.1 be ready to submit for loan approval tomorrow when the appraisal is in. Unfortunately, we
called escrow to fellow-up on our request for Instructions and prelim made on 9/27 and they're saying we may
not get everything until next week. If there's anything you Can do to expidite this. it woukl be appreciated. As
you're aware, we need these Items to submit for final loan approval.
Thank. you,
Vidor Parks
Sr Loan Officer
Vlctor(~PMLoanscom
310.275.5353 Office
310.496.3256 Fax
50029
113 / 745
aoout:blJIlk I()i27'2004
P:lge I 011
Subject : Samaan loan Status

Date Thu, 7 Oct 2004 \60000 -0700
Linked to: Michael J Libow
From VlClor Parks <Vlctor@PMLoans com>
To Michael J Llbow <mjilbow@aOI com>
Hello Michael. We received the escrow instructions and prelim today. Ms. Samaan's loan wIll be prepared and
sent to the lender tomorrow morning. Please allow 3 business days for loan approval.
Respectfully,
Vietor Parks
Sr. Loan Officer
PaCific Mortgage Consultants
Vietor@PMLoans.co:n
310.275.5353 Office
310.496.32.56 Fax
50066
.ibout:blank Ion 200-t

114 / 745
Page 1 (If I
Subject : Samaan Loan Submission

Date Fn. 8 Oct 2004 15 34 00 -0700
From Victor Parks <Vlctor@PMLoans com>
To Michael J Llbow <:Tljllbow@aol com:>
Hello Michael. This email IS to notify you that the Samaan loan has been submitted to the lender today. Please
allow 3 business days for loan approval.
Please note that Monday IS a bank holiday.
Respectfully,
Victor Parks
Sr. Loan Officer
Victor@PMLoans.com
310.275.5353 Office
310.496.3256 Fax
50036
aboutblank
115 / 745
Page I 1'(
Subject : Samaan Loan Status

Date Fn.150ct20040921 00 -0700
Linked to: Mchael J Llbow
From Victor Parks <ViCtor@PMLoans com>
To Mchael J Llbow <mjllbow@aol corn>
Hello Michael. Received your message yesterday afternoon and checked with the lender. The samaan loan is stili
in underwriting Jnd should be approved by Monday. I'll contact you if we get approval any sooner.
Respectfully,
Victor Parks
Sr. Loan Officer
Victor@PMLoans.com
310.275.5353 Office
310.496.3256 Fax
50037
..lbou\:bl;mk I (J ,27 :200.+

116 / 745
Subject : Samaan Loan Approval
Date Man 18 Od 2004 15 43 00 -0700
linked to: Michael J llbow
From Victor Parks <\/ctor@PMLoans com>
To Michael J lloow <mjl,bow@aol com>
Hello Michael. We have conditional loan approval for the Nivie Samaan loan. We are in contact with Ms. samaan
for the borrower conditions and escrow for some items needed from them. We should be in a position to order
loan documents when the appraisal comes back from review by the end of this week.
Please feel free to contact me should you have any additional questions.
Respectfully,
Victor Parks
Sf. loan Officer
Victor:gjPMloans.com
310.275.5353 Office
310.496.3256 Fax
50038
aoout: blank IOl2Y2004

117 / 745
SUbject : Re Samaan Loan Approval
Date Tue. 19 Oct 2004 091100 -0700
From Victor Parks <V,ctor@PMLoans corn>
To Michael J Llbow <mJllbow@aol com"
Good Morning Michael. Regarding the loan contingency, you'll need to speak to 1'-1s. Samaan about it. I've
Informed her that although the loan is approved, it's not over until the appraisal review is back. As you know, If
for some reason the appraisal IS cut, we don't have a deal. That being said, Countrywide is very good wrth
appraisals and It's been a long-time since ['ve had an appraisal cut. I've reviewed the camps and the value is well
supported, but there's always the poSSibility.
I should have the review by Fnday which still gives everyone ten days until the close of escrow. Plea~ feel free
to call me should you have any further questions.
Respectfu Ily,
Victor Parks
Sr. Loan Officer
PaCific Mortgage Consultants
Vlctor@PMLoans.com
310.275.5353 Office
310.496.3256 Fax
-----.----.--.-..... '. Forwarded Message .-. -... ----.----...-
From: MJlibmwiao1.com
To: Vlctorld'pmloans.com
Date: Man, 18 Oct 2004 21:01:40 EDT
Subject: Re: Samaan Loan Approval
VICfOR.
IT WAS ODD THIS MORNING AS I FAXED TO YOU THE NOTICE TO PERFORM AND THE NUMBER
TRANSFERRED TO NIVIE'S SECONDARY FAX LINE SHE HAD GIVEN ME ARE YOU IN THE SAME
OFFICE AT GILLERAN GRIFFIN?? PLEASE EXPLAIN WE 00 NEED HER TO REMOVE HER LOAN
CONTINGENCY AT fHIS TIME AND I HOPE THAT YOU HAVE SATISFIED HER ENOUGH TO ENABLE HER
TO DO SO THE OWNER IS IN NEED OF SECURING ANOTHER PROPERTY AND CAN NOT DO SO UNTIL
THE CONTINGENCY IS REMOVElJ WE ARE ALREADY DELAYED ON THE REMOVAL BY SEVEN DAYS
MICHAEL L1BOW
50030
ahoutblank 10/27/2004
118 / 745
Page I of \
Subject : Samaan Appraisal RevIew Status

Date FrI, 22 Oct 2004141700 -0700
Linked to: Michael J lIbow
From Victor Parks <VlclJr@PMLoans corr>
To Michael J Llbow <mJllbow@aol com>
Hello Michael. ['m not sure if you've been trying to reach us today, We're experiencing phone problems, so we
haven't been able to receive calls or faxes, I spoke to Countrywide a few minutes ago and they state the
appraisal is still in reView, but they're going to try to get a verbal ok for me so I can inform Ms, Samaan that it's
alright to release the appraisal contingency,
I'll get bacK to you by the end of the day,
Regards,
Victor Parks
Sr. Loan Officer
Vlctor@PMLoans,com
310,275,5353 Office
310.496,3256 Fax
S0034
119 / 745 about: hlank 10;27 12004

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120 / 745
• Page 14 June 25, 2007
EXCEPTION REQUEST-BRANCH INPUT BY MARIA MCLAURIN

10/25/04
WLD EXCEPTION FORM - BRANCH

•
INPUT rKtl~::j}?J\9 790 / .
Cte.led on 1012SIZ01l4 02:59 PM by Marla McLaurinlKrislln Orton 10/d-5 2? J3"d--5
Comments
80/90 to 1.5M using Core Jumbo w~h .750% add to fee for Reduced Doc
Borrower F~ Nama Borrower Last Name BonowerSSN Ale In Branch

Nlvle Samaan 568579489 Yes
Co-Borrower Flrst Name Co-llorrower Last Name Co-80rr0wer SSN Type of SubmissIon
EPS Da tabase
Branch InformaUon
8ranch Numbar Region Branch Contact Contact exl Branch Re~ues\or
as
I
0000933 Marla mclaurln 2703 krislln
BP Information
I I ortonlWLDICFICCI
8P Source Code BPName

09894
I Pacific Mortgage
Consultants I
Loan Infonnallon lsI Lien
Loan Number. 1st Lien loan Program 1st Uen Loan Program· Documenlaticn Type:
Name: Number.
81737375 NonConf ARM UBOR 511 657 Reduced Doc
~2·5 Inle",slOnly
1s\ Uon Loan Amount N0'[5HLUon? LTV CLTV MI
1.374,400.00 Yes 80.00\'. 90.00% No
Loan Information 2nd Uen
2nd Uon Loan Number 2nd Uen Loan Program 2nd Uen Loan Program 2nd Uen Loan Amount 2nd UenDraw
Number. Name: Amount
81737383 373 HELOC 10yr DrawJ1Syr 111,800.00 Si71800.00
Repay
Property InlonneUon
Purchase Price Appraisal Value Year Acquired
1,118,000.00 1,718,000,00 2004 ~Cat"'!.lale LTVIC~TVI
Property Address Property C!ty Property Slale Occupancy Type
320 S. Peek Drive BeveMy Hili. CA Owner Occupied
Loan Purpose Condo Type Property Typo
;:)urchas8 SFR
Borrower lnfonnatiDn
Borrower Co·Borrower
~rrn\llAr .Inc:ome Borrower Employer Co-Borrower Inco.'T1e. Co-Borrower Employer
'?:,"'J,'10~ Spellbcund Enterprise, Inc,
Borrower SeifEffiP]oyed Borrower Years on jeb Co-Bonowar Self Employeed Co..Borrower Years on Job
Yes 4
SorTOwer P0611ionJTi~e Co-Borrower PoslUonlTme
President
If-less than 2 ea~ on the 'ob Ifless than 2 vears on \he 'ob
Employer Self Emp:OYed Employer Self Employed
Years on Job PositionmUe Years onjob PasitionfTltle
90rrmvefCredlt InformaLon
I I I (
121 / 745
;) I
Demetrlo_ GadilWLD/CF/CCI To Kristin OlionNVLD/CFfCCI@Count!ywide
10/29/200410:46 AM cc Maria McLauriniWholesaleICF/CC1@COU~TRYWIDE
bee
•
Subject Exception Certificate - Result: Final ApprovaVfSamaan I
JUMBO·
PRINT THIS DOCUMENT FOR THE LOAN FILE
EXCEPTION REQUEST RESULT: FINAL APPROVAL
Reason for Decline:
Terms of Counteroffer:
........ , t":Ie" .a lit. AM l ' '" it. &alA At.* j .. t t. LA""" II "':Ita a :a. it 1' t •• 1." ~ it ' :Ie '" * "A" "u .. * ....
Pricing Information: /
1st Mtg Risk-Based Add-on: 0.750
Applies To; Fee
2nd Mtg Risk-Based Add-on:
Applies To:
: The 'Risk-based add-ans' posted above, do not contain adjust!nents for: low loan amount, escrow
waiver. non-e-Apprcve, 45-day and greater refinance. LTV>60 and Fico<620 (Conf only), or TAMI
incentive. Before quoting price, where warranted, add the appropriate adjustments for these
characteristics to Wholesale Pricing Desk 'Risk-based add-ons' above,
Pricing Comments: Demetrio GaOl,10/29/2004 10:20:37 AM->Based on the current loan characteristics
noted on this form, standard add-ons must be applied as disclosed In edge plus the base price must be
adjusted by 0.75 pts for Enhanced 80/90 reduced doc.
• as ali *~ at * it t Ai *tiE ,* ,. a14'" **, , &:. ** .. II a.,._ aa.a •• at aM" II' 1\ .. *. a,." i , At lAo *•• *' *4 .. &: .. * *.
** •• it,
•
Borrower Name: Nivie Samaan I JUMBO' Branch Number: D000933
Property Address: 320 S. Peck Drive, Beverly Hills, CA
Branch Requestor: kristin ortonIWLD/CF/CCI
DalefTime Requested: 10/25/200402:59 PM Datemme Decision: Demetrio

Gadi,10f2912004 10:29:01 AM->Final Approval
."""''':11 •••••• " " 'A' A A,II ••••••• , .""t,""'''iIi .t' ", .. .'.Ii ••• ot
Ai 11 ••• a .. " 'fl'"
•
Loan Purpose: Purchase Cashout Amount: Occupancy: Ownei Occupied
.. , . ,,"" t .*••••• a.' " , * "•••• t ,lJI ". *.*. ";,**."". ' •••• i. to at I1" "..
•
122 / 745
1st Lien Amount: 1,374.400.00 2nd Loan Amount 171,80Q.00
Appraisal Value: 1,718,000.00 Property Type: SFR Doc Type: Reduced Doc
LTV: 80.00% CLTV: 90.00% MI: No

......,. to'''' 'ilI ,t, A " 4.* 'A. Ii i.' "Ai ,t '* t.*" "iii' & , •• "." Ai t u .. ~ a".' ill •• "
.
Ita .
Exception Request Details:
: 80190 to 1.5M using Core Jumbo with .750% add to fee for Reduced Doc
Krislln Orton,10/25/2004 3:08:49 PM->Borrower's Income Should Be $33,333 Not $333,333
Michelle Petti, 10/26J2004 3:03:14 PM->Received loan file today
Demetrio Gadi,10/29/2004 10:29:57 AM·>File is approved with no ext;:eptions under the Enhanced 80190
program.
.. to t' , iIi at.". A' " •• " .'.1* tt'_ lAo It. , Ai" t *.*... Ai * • as , l1t . , ** .. , ,t Ii IA " , .
Conditions:
.,/ PRIOR TO DOCUMENTS (PTD) CONDIllONS I BRANCH TO REVIEW & SIGN OFF
. / --Field review by CHL approved review appraiser to be ordered by branch supporting varUf,'l of no less than
$1,718,000
Satisfy all branch underwriting conditions & all CLUES conditions
CLUES to be accurate at close based on final EPS
Quality Verification and Documentation Checkllst completed and executed by underwriter
/;Jf.~().- -Letter from co-owner of Wells Fargo account # 6814098380 stating relationship to borrower and that
borrower has unrestricted access to all funds
~/- Appraiser with AG or AR designation to co-sign appraisal & mark box indicating "Did Inspect Property"
~ Calrify REO on credit report - 5353 San Vicente Blvd
PRIOR TO FUNDING (PTF) CONDITIONS 1BRANCH TO REVIEW & SIGN OFF

.....r......-sorrowers to sign/date 4506-T
............-Copy of first mortgage note for 2nd tdfile
.,.,<-1st & 2nd td's to close concurrent
NOTE: clear to close
: Reduced doc, purchase, 5/1 L1bor 10, Enhanced 80/90, 1st td $1,374,400 & heloc $171,800: no
exception
GUIDELINE EXCEPTIONS
123 / 745
, '
in 3ccordancti IN.tll II 'E terms and conditions of theye..california Residential Purchase Agreement or = Other.
~::::~rty know!' :~_~-_-.'_3,

__ ~s:5---~ ..__. ("_'A_g_re_e_m~e_n_r_)._d_a_t_ed -=--=--=-__ ("Property").
__ ~~_/1L..l<~=r-r-.s.
----:;;...",....
//____ - - - - - - - ("Buyer"), .:;.~
C::;;~~4-
,.:IT IV ("Seller').
.-
'.i
]'.
SELLER hereby gives Buyer notice to remove the following contingencies or take the specified contractual action: ",~
,.,
GQntingency
1-- ALL CONTINGENCIES!

A. KLoan IP;:]")~;r",,:n 21) L. Initial Deposit (Paragraph 2A)
.,
B. ';x(ApprcIl5dl 'P~I ,,,), aph 2J I M. i Increased Deposit (Paragraph 28) )~
'.' Tf1nalll-l]c-:-uLJted Property I Paragraph 3C(iii)) N. I Loan Application LeHer (Paragraph 2G)
'J DI~r.losllre~~/R20(Jrts I P;:Jlagl'aphs 4 and 5) O. Down Payment Verification (Paragraph 2H)
f COlllllle l , 111t'l ",Sl Disclc.';wcs (Paragraph 68) P.' All Cash Verification (Paragraph 2L)
F _ Buyelln\Je-slig;~llol1, 1rt';ludlng Insurability (Paragraph 9j Q, -: Return of Statutory Disclosures (Paragraph 5A(2})
G. Iitle. P'ell,l'111I2i)( Report (Paragraph 12) R. =-, Return of Lead Disclosures (Paragraph 5A(2})
H Sale of 8v'Jer; Properly IParagraph 13) s. ~~' Receipt for Increased Deposit (Paragraph 16)
T. :-J
U.L
V.
NOTE: Paragraph numbers refer to the California Residential Purchase Agreement (C,A.R. Form RPA-CA)
BUYER: It you do not remove the contingency(les} (C.A.R. Form RRCR) or take the contractual actions
specified above within 24 (or. ) hours (but no less than the time specified in the Agreement) 01
--..<,
receipt of this Notice to Buyer to Perform, Seller may cancel the Agreement.
. ~
¢::::-- \
~
---------- AM/PM
Seller Date Time
_____ ·Inltl?!:;; CONFIRMATION OF RECEIPT: A Copy of this Signed Notice to Buyer to Perform was personally
rer.p.ived by 3u 1('I,r .Julhofl2:eo agent on . (date), at AM/PM.
"l",.L,jI.: ,I·...... '. ~ 51::'1-. . -: ":~' r: .,-..,.... r,t 'l1i-.I ...: r,. >'.f .F~~ :~':~·l. :'":"~~',1' ., ';-;:'. ·...,'r.·~I,·,..,·~ u' a~i ... ,.I'I:?: :'I1.:v"5.
,. I .j" ,J.·.:i'S... ·'.~: .....j::l~,.or :"Er::.f(lP,~,:".t. J~~'::. t-,'~ . . :,1:-: :--- ";~;0.:;':'~:::::'
r"'15 FOHt~ "'~:, LIt~ -: •.,. -F1t~'iErJ ",. T.~~ ;;"lIr C'RNlf. ;.SSOCIATlCN cr REALTORStll> (C.'>'.4 i NO REPRESErolTAflCN IS I~AOE .~S TO T.'iE LEGAL VALIDITY OR
,'i1rOuACY ~:" ".ttl HFr:I~ION iN .\I,y ~PECIFIG rRM-J.';AcnON. ,; MEAL ESTATE BROKER IS THE ;>ERSON OUAlIFIE!) TO Ai:l'/IS~ ON REAL ESTATE
THMJ':;~.CTICH" II . ,'" I:'.,'IRF l~' ,.1; '.';" '''~ ;l:J""(.C. CON:-;ULT ~N ;PPROPRIATE PROFESSIONAL.
~II" 1:1(11 :: u·....1H.\~'· :l' 'I~.- LJI l/!~ "1111,,:,, ;·.:,11 -:;,sI,Jtu In')II",r,·. I: :-; -0: int2:l1eJed I:> 1::1r;-ntlfy tht: ~';;l:'r as;1 HEALTOR~. HEALTOR,';") ~<:;; iJ tC\jt5!cred colieclr,'8 rncmbaf5hlp fT',:!.fl •
. ·t· .~,... fTl"\' 1:- 1"·1 . -.,!-- !'., ~1,~• ..,,:",c.;-·. '1 [.,,:, rJ ..3.,T1l.ltlAI "'C'"..;()n"~"'TION OF HE~LT~RSf.) who ~llbsc"hP. 10 !Is COC"c ~r Ethics.
(SLRt:.
...
~~"J c.~rlf,.,rrll~
~~
L ... ~~~0.-:I:-tli\)f·
Puolished "y ttl'"
J! Hr:ALTORS(?!
: "I~ S':s~~T' ':t"i, :~I r" '..
NBP REVISED ' OJO~ IPAGE 1 OF 1) Print Date SDC Feb 03
IReviewed by DElle
-I
MASTER COPY
,IOTiCE T'J 3UYER TO PERFORM (NBP PAGE 1 OF 1j
124 / 745
OCloher 20, 2004
Mic.:h~H.:I.l. Libow
Coldw~lI Banker
166 N. (\mon Drive
B~vl:rlyIlills. CA 90210
Rc: 320 S. Pl:ck Drive NOlic~ to Buyer to Pcrfonn
Dear Michal.:l.
This kner is in fl:SpOnSC to the NOlice 10 Buyer to PI:rl'orm you faxed to tnl.: \H} Momby.
OCIobt.:r 18, :2004 and the subsequent voiccmail time-slamp~d 'l'lJ~sday. October 19, 2004
at 4:55 p.m.
1 want to apologizefOT the delay in responding to your norice. rv~ been consulring wilh
my attorney regarding my options to Yt)ur unn:asoll::lble demands. -,
T.et me first start hy saying. I've

Cllnlin~~·ncy.
cnclo~cd
lhe removal of the Loan Contingency and Tit1lc
hllt will nul rl'movc the a r~lisal conlin 'em; ulllil I have n.'ccivcd the
Icnde~ notification thaL t 1t valu~ of the home is justified. If the home was priced
corn:ctly. you shouTan'l have any concern:>,
On three separate occasions 9/24. 9/29 3lld 10/6, I caUed Gail Hcrshowitz of Mara
F.~row Cor my copil;:' nl'thl: Escrow In:;trllctions and Prclimin<ll)' Title R~porl and WJS
told thou shc was wailing to hc.:ar from you bcnm: !:ihc.: could pr~p:.lfC il. Due.: to the.: non-
pCrfOlTIlUl1Ce by you and your escmw company. your seller is now threalening
cancdbtiotl or l':>crow.
My lender infonncd YO\l on October 5th that he had tried sevcrJI times to get these itcms
;100 ncclkd your help. My kndl,.'r also inlormcd me. thal he did nol rcecivc the n~C':~~lry
Escrow [nsLruc.:tions and Preliminary Title until thc evening of October 7th. twt:nty-one
days aftt..:r my cuunler-offer accc.:rt:rn<.:c. Due to the rcndinl,: wl:dcnd & hnlid;ly. lhe h:lOk
did not rcccivc my 10:111 until 10112. My loan was approv~d tm Monday. October I So'. a
reas()n~blc timcframe ror Joan approval. Now lhe hank must review Lhe value before lhey
can Ii naJ i:l.c lhe loan.
From tl1.c hc.:ttinnin..g•. [ have follawL'd-thl'{lugh on every aspt:cl of my end or lhl: r..:ontr.Jct.
You ort'lhc (~illl.:r-hantl h:IVL: nul ht,;cn .:.I 111:.111 or your word, On <)/16. whL:n I ac.:t:cpku the
counter-oITt:r while on my Honeym<xm in Hawaii. I infonned you tha.t I wouldn't he
rctL1rnin~ 10 hl:- t\n~;:l~s lIrt~LW24.Y()\, vL:rnally assured n1l.: thallhcrc was Ill) need l(l
contract\.lall~~XlCl1d:,thc ~onftn~t.:ncics t>r closing date, bc~u~ in n~c:dcd more time lo
meet the contingencies, ''"it would be a~angt:cJ."
EXHIBIT '{
125 / 745
p
You have been llnrca~onablc throu~h almost every step or lhi~ transaction. so you ICJVC
ml: IW lllhl:r alternative hUlto s~d the f,uiuancc {Irmy :\tlllrn~y.
Pk:a.-;~ inform your sdkr thot ifhc choos(;s to cancel this escrow hcforc the scheduled
c!\)sil1g d~lll: orN()wmb~r I. 2004. [ will havl.: no Olhcr :Jllcrllativc but to SCL:k kgal
rcmt:di~s.
I ronnally request that all Curthl.:r correspondence be in writing, via facsimile or email.
Nivic S:,m;l~ln
13uycc/Rcullor AS$ociatc
~s::tOla~\.n I {tl\aol.col.l.l
J:!J.X4.1.<)~n F:lcsimilc
cc: Robert 13r..tndt. I·:sq.

Randy Spalding
.(~ .
}, //,
.. ~,J
. 1 i
126 / 745
SENT BY: COLJWELL aANKER; 310 271 4834; OCT·21 -04 4:36PM; PA:::iE 112
~LOWELL BANKER PREVlEWS _

~~ ----C~
A CONFIDENTIAL FAX
from the office of
Michael J. Libow
Business Phone: (310) 273-3113 x 169 Facsimile Line: (310) 85&.-7842
To: ---------
Date: \ O\!. 1 \etl- Ti~: _ _

R.e: _ Number of P<l~ To Follow: --'(....LO~-
MESSAGE:--------- _
COLDWELL BANKER
1G6 North Canon Drive, Beverl Hills. CA 90210
S0085
127 / 745
Uvl . , I ·v
310 2(1 4tl~;
SENT BY: COLDWELL 8ANKER; p.el
~ ..... _ ..... -,LClCI ... OJ. ';~a f-otM
-(11"1: --;10 'j;')? :t17 L-

~ 1a 2>1 , l.Jf-i
c( l~d~n..~·rK·.-\l1-:D BY E~VJJ- DY FA-X, ANn OV PHONE TO ~,nCH'\EI. JJBOW
"·k ~ Me Sam.UTl
ViJ :-'1r. tl.1iCh3d Lilx)w
Coldwell Banler
I~ 1:.: 320 South PCi,;k Drive
IX3r I\h. Sama.1n:
ill' Monda), Octobtt" 18. 20<l~ . .'\.\1. 1submitted 10 you tnrough my r~31tor, ~fr. !>.fichacl
UllOW. ;l Nolie' to Perform r~rdins tho rcmoV31 of contingl:flcics rel"t~ to the
purcb\1ll<: of Uti.'1 property.
y ~stcrda)' I r~,ived yout rcsp<l!lSl:5. Review of the8~ rc:~ponse& with Ill)' r~altor sho~
\hJ.l.;tiU not ;in L:Ontingenc\Ci' arc n:mQ'A:d.
'llles~ fC..'IpOnsCl' are umatiJfwory. and I am in&/rucling 1I~' realtor 10 draw Instructions
!<M' l' ancell.tion of the contract.
Dl~ ,~<A GOP'~

Q U~~~ 'l0) l'l\.
.....,
(3 tsc V~
~SQQss..-
128 / 745
- - - - - - - - - - ------------ -------- ------
Page 1 of 1
SUbj: Re: Samaan Appraisal Review Status

Date 10/2212004
To Victor@PMLoans.com
CC: nsamaan1
VICTOR,
THANK YOU FOR YOUR QUICK RESPONSE... IF THERE IS ANY WAY TO TAKE THIS DEAtf_F:tH'E
'C~CEL~O'.fJlE","AMALL FOR IT. .. THE ONLY THING THAT I COULD SEE HAPPENING vvotttt:H3E TO
OFFER'MR ZERNIK AN EXTENSION OF ESCROW BY AT LEAST nNO WEEKS AND GIVE HIM TH E RIGHT
TO REQUEST AN EARLIER CLOSE SHOULD HE LOCATE AN ALTERNATE RESIDENCE SOONER. .. IF I
COULD UTILIZE THAT AS A NEGOTIATING STANCE, PERHAPS HE WOULD CONSENT TO RESCINDING
HIS CANCELLATION ... I'M JUST NOT SURE OF ANYTHING HERE... MR. ZERNIK FEELS THA'r HE HAS
HAD NO CONSIDERATION OF HIS TIME FROM NIVIE SAMMN AS THERE HAVE NEVER BEEN ANY
GESTURES FROM HER SIDE TO COMPLY WITH THE ALLOCATED TIME FRAMES (INCLUDING
'BOUNCING' HER INITIAL DEPOSIT CHECK) WITH THE EXCEPTION OF THE CLOSING DATE SINCE IT
APPEARS TO SUIT HER MOVING REQUIREMENTS ... AS YOU KNOW, A ONE-SIDED DEAL 15 NOT A
GOOD DEAL FOR ANYONE... IT WOULD BE NICE TO COME TO A SATISFACTORY AGREEMENT FOR
BOTH SIDES IN THIS TRANSACTION ...1HOPE THAT I AM ABLE TO CONVINCE MR. ZERNIK OF THE
SAME.
SINCERELY,
MICHAEL lIBOW
COLDWELL BANKER
129 / 745 0036

Court File: "Volume IV Continued" Monday, Kovember 08,2004 America Online: ~jlibow
CERT1FlED COpy

FOR THE COUNTY OF LOS ANGELES - WEST DISTRICT
NIVIE SAMAAN, an individual;
Plaintiff,
vs. Case No. SC 087400
JOSEPH ZERNIK, an individual;

and DOES 1 through 10, inclusive,
Defendants.
AND RELATED CROSS-ACTION.
DEPOSITION QF MICHAEL LIBOW
MbRCH 3D, 2007
ABRAM~ MAH &KAHN

I1EPORTING SERVICE
~
Reported By: Laury Wasoff A 101 Birch Street· Suite 130

CSR No. 10995 Newport Beach • Colifornio 92660
949-261-8686 • 800622-D226
File No.: 24200
130 / 745
Samaan v. Zemik Michael Libow 3 30 i 2007
Page 49
1 ner when YOu called to congra~ulate her that r.~ght?
2 l'l. No.
3 Q Do you recall where you were when you ca~led
,
4 nero? Were you at your house?
5 My office.
6 Q Your private office?
7 A Uh-huh.
8 Q Where is your private office? At home?
9 A No. In the office. I mean -- sorry. In the
f~'
10 1 arger o~tlce.
11 Q Okay. Do you remember having a phone

12 conversation with her the next morning?
13 A ~~o .
14 Q You didn't have one or you don't recall?

15 A 1: dO:1't recall.
16 Q Do you remember Ms. Samaan telling you that

17 night that she was going out of town and she needed the
18 acceptance date to be moved from September -- from the
19 date they were accepting to another date?
20 A How do you move an acceptance date?
21 ~o have it moved to be another date so the
22 dead~ine for ~he conti~gencies would run from a
23 dif~ere~t date.
24 You can't move an acceptance date.
25 Q A:l right. We::, let's look at ar.ot~er
Abrams, Mah & Kahn Reporting Service

800/622-0226
131 / 745
Samaan v. Zemik Michaell.ibow 3,30/2007
Page 51
1 co~versation yesterday, ~he acceptance date
2 must start September 23 when I return.
3 Otherwise I will not be able to meet the terms
4 of the purchase agreement."
5 MS.. SHOLKIN: So what is the question?
6 Q BY MR. KESHAVARZI: The question 13 do you

7 remember discussing that subject with Ms. Samaan?
8 A About the acceptance date?

9 Q Yes.
10 A Yes.
11 Q What do you remember from the conversation?

12 A I wo~ld have said as a licensee we canlt make
13 decisions for our clients and you can't change an
14 acceptance date.
15 Q You would have said that or you said that?
16 A I would have said that. I don't know if I did
17 say that.
18 Q ~id you discuss this -- well, Jet's clarify
19 ~ere.
20 So you have a recollection of having a

21 d~Scusslon Wlt~ Ms. Sa~aa~ about movi~g the acceptance
22 date to Sep~ember 23?
23 A ~ re~ember her saYlng she needed ~ore ~lffie on
24 ~~e contingency, not specifically accepta~ce date.
25 :oc're putting t~is in front of me. I'm seeing
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"a111aan v. Z<:rnik :vlichad l.ibow
Page 86
1 A It does not appear to be.

2 Q Have you ever changed a date and used someone
3 else's initials?
4 A No, sir.
5 Q Never?
6 A Never.
7 Q And this doesn't appear to be your initials or
8 your handwriting?
9 MR. SHULKIIN: Please be specific with regard to
10 your question because you have accused the witness of a

11 crime and I'd like to know exactly what you are
12 referring to --
13 MR. KESHAVARZI: Sure. My pleasure.
14 MR. SHULKIIN: -- on Exhibit 120.
15 MR. KESHAVARZI: My pleasure.

16 Q First page, Nivie Samaan, there is a date,
17 10/1/04 and then there are these initials in circles
18 above it. I will represent to you right now that that

19 lS not Ms. Samaan's handwriting.
20 fvlR. SHULKI IN: What is not Ms. Samaan's handwriting?
21 l;lR. KESHAVARZI: The initials.
22 IvlR. SHULKI IN: But is the signature? = mean, if you
23 could be specific.
24 Q BY MR. KESHAVARZI: The signature is hers. The
25 document was signed on October 4, the day she met you at
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:'v1ichael Libo\\ 3 302007
Samaan \. Zernik
Page 87
1 the bui~ding to do the inspection, but then the date was

2 changed to October 1.
3 A One, I don't have the date of the inspection in
4 front of me. You have not presented that to me.
5 Q I ' 11
~~ represent to you it was or. October 4.
6 A Which was what day of the week?

7 Q It was a Monday.
8 A Okay.
9 Q Second page, you see it again where the 1 has
10 been written over the 4 and then
11 A I see.
12 Q NS in circles. You see it on the third
13 page again right above the seller's signature where
14 there is a 1 written over the 4 with NS. You see it
15 agaln on the fourth page, on the fifth page on the
16 bottom, the sixth page on the bottom.
17 MR. SHULKI IN: So what is your question to the
18 witness?
19 MR. KESHAVARZI: You asked me to identify the
20 portions, and I'm just identifying it for the record.
21 t1P. SHULKI IN: But it still isn't clear what -- In
22 other words, where -- are you stating that every date
23 reflected by October 1-, '04 -- or rather Vias cl:.anged
24 from its original of October 4, 20C4? Is that what
25 you're saying?
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134 / 745
Michael LibO\\ 3 30.::!007
S:lIl1aan v. Zern ik
Page 88
1 ~1R. KESHAVARZI: v.Les. And I want to knew whether
2 Mr. Libow ~ade that change.
3 THE 1V'iITNESS: I made no changes to documents.
4 Q BY MR. KESHAVARZI: I'm asking whether you made
5 this change.
6 I clearly did not.
7 Q You're absolutely certain?
8 Absolutely.
9 Q You don't remember what the real estate market
10 was like then, but you're absolutely certain that you

11 didn't sign this?
12 MR. SHULKIIN: You know, I think your -- objection.
13 [vIR. KESHAVARZ I : I ' l l stop there. That's fine.
14 01R. SHULKI IN: It's argumentative. It's harassment.
15 MR. KESHAVARZI: You want me to continue and

16 identify in this document the portions?
17 ]VIR. SHULKI IN: I'd like you just to ask the witness
18 sequentially questions that are clear and that he can
19 answer without problem to form. So if you could just
20 ask the question and he will provide an answer if he
21 remembers.
22 Q BY MR. KESHAVARZI: Mr. Libow, on the first
23 page c: Exhibit ~2C next to Ms. Nivie Samaan's signature
24 are her initials lD a circle. You see that?
25 A Yes.
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3 302007
Sal11aan v. It:rnik rvlichael LibO\\
Page 89
1 "
\d Is that your handwriting?
,~ No, it lS not.
3 Q HOl,,\j about the second page?
4 A No, it lS not.
5 Q The third page there lS a date 'di th the
6 initials NS in a circle. Is that your handwriting?
7 A No.
8 Q And you're absolutely certain?
9 A It is not.
10 Q Are you absolutely certain?
11 A It's not my handwriting.
12 Q Are you absolutely certain it's not your
13 handwriting?
14 A I'm absolutely certain it's not mine.
15 Q Did you direct anyone to write Nand S, going
16 back to the first page, in the circle?
17 A No, Slr.
18 Q Did you direct anyone to write Nand S, the

19 initials in a circle, in any of the other pages where it
20 appears?
)1
~.l A :J 0, sir.
22 Q And u've gone ~hrough this docume~t and you
23 see -:::'hat it appears in several pages, ana it's j''Jur
24 test~mony today that none of these are in your
25 handwriting?
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136 / 745 800 611-0116
\;1 ichael Libo\\
3302007
"~lll1aan \. Z-:rnik
Page YO
1 A No. That's why I was laughing
2 May I ask one question?
3 ME. SHULKI IN: You want to ask me?
4 THE WITNESS: No. Generally. Would you please
5 confirm the date of the inspection to me, only because
6 there's one relevant thing I wanted to point out. But
7 you said October 4?
8 Q BY ME. KESHAVAEZI: Yes.
9 A Is that absolutely true?
10 Q Yes.
11 A It wasn't October 1, on Saturday? Because I
12 recall vaguely that I did not show up in business

13 clothes, and that's why I thought it was October 1, on
14 Saturday.
15 Q So there is a recollection of that meeting now?
16 A For the inspection.

17 Q So you remember -- I thought earlier you had
18 testified that you had no recollection of meeting anyone
19 at the house.
20 A I told you I met her for the inspection.
21 Q You said but you don't remember anything about

22 it, but now you remember you were not wearing business
23 c~othes. W~at were you wearing?
24 A ~hat's not what I said earlier.
25 YlE. SHULKIIN: I think the record will speak for
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800622-0:.:26
:v1ichacl Libow 3302007
SJmaan v. lcrn ik
Pag.e 91
1 itself.
2 MR. KESH1-\VARZI: It will, yes.
3 YlR. SHULKI IN: I'd just like you to ask him a
4 question and not ralse the volume.
5 THE WITNESS: I just thought the inspection was on
6 October 1 because we were questioning it here, can you

7 do it Wednesday or Thursday, and that was on the 27th,
8 which would have been -- okay.
9 Q BY MR. KESHAVARZI: So do you have any
10 recollection what do you recollect about the
11 inspection?
12 A I thought it was on a Saturday.
13 Q Did you have any conversations with anyone at
14 the inspection?
15 A I remember handing all the disclosures -- or

16 did I leave them at the office? I always make a package
17 of disclosures for everybody signed by the seller and
18 signed by me and I hand it to the buyer or the buyer's
19 representative. Generally I would leave them for the

20 buyer's representative to pick up. It's possible at the
21 inspection -- I delivered them at the time of the
22 inspection. That's why I'd like to see the ~nspection
23 report, to SEe what date it was.

24 Q Cid anyone go with you to the inspection?
25 A My assistant might have been there.
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Michael Libow 3 30 2007
Sama~lt1 v. lerniK
Page I 12
1 Q And vIha t lsi t ?

2 A Receipt for the prelim.
3 Q What is the date?
4 A I believe.
5 Q The date is October 6. Right?
o A Yes.
7 Q And this is 14 days after the seller's deadline
8 to deliver the preliminary title report?
9 A Is it 14 days?
10 Q 14 or 15.
11 A However it works out, yeah.
12 Q So 14 days?
13 A Yeah.
14 Q So the seller was late in delivering the title
15 report by 14 days?
16 A Uh-huh.
17 MR. SHULKIIN: Objection. Okay. Well--
18 Q BY MR. KESHAVARZI: Would you call that abusing
19 a deadline?
20 A He didn't order the title report.
21 Q Who did?
22 A Escrow. Would have been ordered ~hrough
23 escrow.
24 Q Did you call escrow to stay on top of i~ to see
25 if they ~ere ordering it so the seller would comply with
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~lichael Libow 330'2007
Salllaan v. Zern ik
Page I 13
1 his deadlines?
2 A In this case I don't remember. Generally I do
3 not on the prelim. I let escrow handle that. That's
4 what they do.
5 Q But the obligation under the contract 1S for
6 the seller to deliver it. Right?
7 MR. SHULKIIN: Objection. The document speaks for
8 itself.
9 Q BY MR. KESHAVARZI: Whose obligation lS it to
10 deliver the preliminary title report?
11 MR. SHULKIIN: Objection. The document speaks for
12 itself.
13 Q 3Y MR. KESHAVARZI: You can go ahead and
14 answer.
15 A It was delivered on October 6.
16 Q Under the purchase agreement whose obligation

17 lS it to deliver the preliminary title report?
18 MR. SHULKIIN: Objection. It's argumentative. The
19 document speaks for itself. It's been asked and
20 answered.
21 tv1?. KESHAVARZI: Hasn't been answered.
22 THE :tJ =T ~ 1ES S : It's referenced in the document.
Q BY MR. KESHAVARZI: What does the document say?
24 Which section of the'document?
25 A l4A. The one we've already referenced. We

140 / 745 800 62.2-0226
Saillaan \. Zernik :'vlichael Lilxm 3302007
Page 131
1 document she received from you.

2 A Let's see her statement just so I caG recall.
3 Q She says in her statement you sent it by fax.
4 Okay. Let me see.
5 Yes. Right here. This ,:vas it.
6 Q Okay. Now, this document is not initialed on
7 every page by Mr. Zernik. Right?
8 A No, not this one.
9 Q Have you ever seen one that has been initialed

10 by him?
11 A I'm sure I had one In the file that was handed
12 over to you.
13 Q Handed over to whom?
14 A Well, to Robert.
15 Q When was it that Mr. Zernik initialed every
16 page?
17 A I don't know.
18 Q Do you ever recall asking Mr. Zernik to go to
19 escrow to sign a document?
20 A No, no, no. If it were to initial the original
21 RPA, which is strictly -- how can you explain it? You
22 know, the contract is what it lS. It's been countered,
23 accepted. Each counter accepts the previous counter or
24 RPA. So to have a seller initial every page typically
25 is done for the benefit of a lender who wants to see it.

141 / 745 8006.22-0.226
S~llllaan \ . Z~rn i h. \1icha~1 LibO\\ 33(V2007
Pag~ 132
1 So~etimes the manager In my office wants to see it. To
~ me it never creates the legal contract.
3 I don't know if you can back me up on this.
4 I'm serious. If you receive an offer and I

5 counter, it's stated in the counter that this is a
6 counteroffer to whatever. "The terms and conditions of
7 the above in the referenced document are accepted
8 subject to the following."
9 So I always said why do we need to initial
10 everything. But some lenders want to see that. So I
11 would normally take it to the seller and have them
12 initial.
13 Q Some lenders would requlre to see every
14 page initialed by both buyer and seller as a condition

15 of approving the loan. Right?
16 A Could be a pre funding condition. Could be

17 anything. To get a loan approval and submit a loan
18 package you don't need that.
19 Q But some lenders require
20 A Prior to funding it may be a condition.
Ab sol '..1 tel y . We've had that come up, that the escrow
22 officer 'will say "Michael, it's abo;;t to fund. Do you
23 have" yes.
24 Q Co you know exactly when it was that Mr. Zernik

25 initia~ed?
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142 / 745 800·622 -0226
1 I STA~O~ -ALIFORNIA
2 COUNTY OF LOS ANGELES
3 I, Laury Wasoff, Certified Shorthand Reporter
4 No. 10995, declare;
5 That prior to being examined, the witness named in
6 the foregoing deposition was by me duly sworn to testify
7 to the truth, the whole truth, and nothing but the
8 truth;
9 That said deposition was ~aken before me at the time
10 and place therein set forth and was taken down by me in
11 shorthand and thereafter transcribed under my direction
12 and supervision, and I hereby declare that the foregoing
deposition is a ~rue and correct transcript of my
14 shorthand notes so tak~.
lS I further declare that I am neither counsel for nor
16 related to any party to said action nor in any way
17 interested in the outcome thereof.
16 I declare under penalty of perjury under the laws of
19 the State of California that the foregoing is true and
20 correct.
21 In witness whereof, I have hereunto subscribed my
22 name this 9th day of April, 2007.
La;e~f~f10995,
23
24 RPR
25
ABRAMS, MAH & KA.l.ffi 162
143 / 745
(
1 REPORTER'S CERTIFICATION OF CERTIFIED COpy

2
6 I, LAURY WASOFF, Certified Shorthand
7 Reporter, Certificate No. 10995, for the State of
8 California, hereby certify:
9 The foregoing is a true and correct copy
10 of the original transcript of the proceeding taken
11 before me as thereon stated.
12
13
14 Dated:
lS
16
!
.~
17
10995, RPR
-
~ 18
~
•<
.19
~ 20
~
21
~
22
23
24
144 / 745
310-3 "':-1\11 SOLSACOlJRTREPOR1ERS 7\4-57\-011\
S0PERIOR COURT OF THE STATE OF CALIFO?NIA

CCUNTY OF LOS ANGELES - WEST DISTRICT
3
4
5
6 NIVIE SAMAAN, AN INDIVIDUAL,
7 PLAINTIFF,
8 VS. CASE NO. SC 087400
9 JOSEPH ZERNIK, AN INDIVIDUAL, AND

DOES 1 THROUGH 20, INCLUSIVE,
10
DEFENDANTS.
11
AND ALL RELATED CROSS-ACTIONS.
12
13
14
IS
16 DEPOSITION OF NIVIE SAMAAN
17 LOS ANGELES, CALIFORNIA
18 MONDAY, JULY 10, 2006
1
.1
q
_
~l FEPORTEG BY:
24
\iIVlf SA\IAA\i 7 1006

145 / 745
310-37...>1111 SOUSA COURT REPORTERS 71-1-571-UIII
Page 1-1
GRIFFIN?
A. I DON'T RECALL. I WOULD HAVE TO LOO~ AT MY
3 NOTES.
Q. CAN YOU GIVE ME YOUR BEST ESTIMATE?
5 SITHER APRIL OR MAY OF 2004 -- 2003.
6 Q. BETWEEN THE TIME THAT YOU FIRST WENT TO

7 GILLERAN GRIFFIN AND BEFORE YOU EVER DID ANYTHING
8 REGARDING PROPERTY INVOLVED IN THIS LAWSUIT, WERE YOU AN
9 AGENT ON ANY TRANSACTIONS THAT CLOSED?
10 A. NO.
11 Q. DID YOU WORK ON ANY TRANSACTIONS?
12 A. \l0.
13 Q. WHAT DID YOU DO DURING THAT TIME AS AN AGENT?
14 A. I DIDN'T DO ANYTHING.
IS Q. DID YOU CONTINUE TO WORK IN OTHER EMPLOYMENT?
16 A. YES.
17 Q. WHAT OTHER EMPLOYMENT?
18 A. BARNEY'S NEW YORK.
19 Q. WHAT IS THAT?
20 A. A RETAIL ESTABLISHMENT.
21 WHERE IS IT LOCATED?
9575 WILSHIRE BOU~EVARD, BEVERLY ~=~LS, 302~2.
23 Q. ~HAT KI~D OF RETAIL ESTABLISHMENT IS IT?

24 A. I crl'O
.1 ;) A DEPARTMENT STO~E.
2S AND WHAT IS YOUR POSITION THERE?
146 / 745 J\;fVIE SA\lAAN 71006

310-37~-\ 111 SOLSA COURT REPORTERS 71-l-:,7\-Ulll
Page -II
1 I BELIEVE SO.
2 Q. WHO ARE THE OWNERS?
3 A. I DON'T KNOhl.
4 n
'~ . IS YOUR HUSBAND AN OWNER?
5 A. I DON'T BELIEVE SO.

r
o Q. IS r1R. PARKS AN OWNER?
7 A. I DON'T KNOW.
8 Q. DO YOU KNOW WHO RUNS THE COMPANY?
9 A. I DON'T KNOW.
10 Q. OTHER THAN YOUR HUSBAND AND VICTOR PARKS, HAVE

11 YOU EVER SPOKEN TO ANYONE ELSE WHO HAS ANY CONNECTION
12 WITH DELTA PACIFIC?
13 A. NO.
14 Q. WHERE ARE THE OFFICES OF DELTA PACIFIC?
IS A. I DON'T KNOW WHERE THE OFFICES ARE.
16 Q. HAVE YOU EVER BEEN TO THEIR OFFICES?
17 A. NO.
18 Q. DID YOU SPEAK TO VICTOR PARKS REGARDING THIS

19 TRANSACTION?
20 A. NO.
21 Q. A~L THAT WAS HANDLED BY YOUR HUSBAND?
23 Q. LOOKING AT PAGE S0023 AND S0024, IS THAT

24 SOMETHING THAT YOU SENT TO MR. LIBOW ON SEPTEMBER 16?
25 A. YES.
147 / 745 "</VlE S\MAA:'-i 7 1006

310-3/2-\1\1 SOUSACOL!RTREPORTERS 71-1-571-0111
Page 68
1 A. YES.
2 Q. S0085 AND S0086, IS THAT SOMETHING YOU RECEIVED

3 FROM MR. LIBOW?
4 A. YES.
S Q. ~HEN THERE'S SC~ETHING HANJWRITTEK THERE ON THE

6 SECOND PAGE, S0086.
7 IS THAT YOUR HANDWRITING --
8 A. NO.
9 Q. "lvJICHAEL, PLEASE SEND COPIES TO BETH S~YNE
10 IN ESCROW"?
11 A. NO. THAT IS NOT MY SIGNATURE. THAT IS NOT MY

12 HANDWRITING.
13 Q. NOW, IS IT CORRECT THAT YOU RECEIVED S0086, A

14 LETTER FROM DR. ZERNIK ADDRESSED TO YOU -- TO MICHAEL
15 LIBOW -- TO YOU AND MICHAEL LIBOW, STATING THAT HE WAS
16 CANCELING THE ESCROW?

17 MR. STEIN: MISSTATES WHAT THE DOCUMENT STATES. IT
18 SPEAKS FOR ITSELF.
19 BY MR. CUMMINGS:
20 Q. DID YOU RECEIVE S0086 ON OCTOBER 21, 2004?

21 A. YES.
22 Q. AND DID YOU SEND S0084 TO MR. LIBOW !HE EVENING
23 OF OCTOBER 21, 2004, AFTER YOU RECEIVED S0086 FROM
24 MR. ZERNIK?
2S MR. STEIN: PLEASE RESTATE THAT BECAUSE I'M CONFUSED
148 / 745
\ilVIE SA.:YL\A:'-l 7 ] 006
( ( p. 1

Fax Cover
Victor Parks
{SBS} 575-5693 Direct
(509) :t71-7845 Fi'lX
d Urgent o Please Review o Pleose Approve o Please Reply
"'0: ShawnlOonna Fax Number. 415.259G855- C:)"i (..(.,.
Number of Pages: 15
From: Victor Parks (u"lcJud,ng covor)
Oate; October 25, 2004
Comments: Fully Executed Purchase Agreement wI Counters (Samaan Approva~
149 / 745
Uc~ e:;' u"t u:;"u<Jp p."t
10/22/2004 15:42 31135567531 ~IARA E5CROIv

310 27'1 483oi, scr-'22·04 3:4gP'~;
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f~r~1J t'.(\ili: tter;;:;;;ecC1.)
O. PtDCITJONAl.. FINANCING TERMS~ ':J Sellcr linnnon';l& (O.AR. FotTtl SF"): GI,:;·a:u:JONiOry 1'1n.:lngng••.. ~67,OOO. 00
(C AR. ro"""" PM p...,r~Qf;Jph 41.\); 0 ;'\... ~\Jf"Vld fill.1t\c;h2 (CA.r:t. F'~rm PM: Pll'?'Jf;l,Dh .cOl
E.. BAl-ANCt; OF FIJRCnAsS PI{ICI1: (no! Inc,udiITo 00l;ls 01 bll181nll10 loans and 01118' c:losln~ coats) I.lhe ."",um of S 15L,.oP.o,._o..Q
10 be dtJDOS~d wit.'\ EsC/ow \-toldor wltni" 6vf(i¢l~nt tim~ to c1Q5e' e5CfOw
~ 1"\JF<CHAFll': 'cRIer (Tor All' .. .• ,D , , fj70, 000. 00
C. LOAN "~r"L.IC.h110N'!:: With...,. ~ (.or Q ) CUy& Met A.GcaptdllCO, ~uycr shall pto.... ldo !ie1ot a lttttDffram Ic:l\d~ or mortgaQ~ lo:tn
);)/QIittlol" ~L;atlnq th;at.. bI:.~gd on ~ fc.ylow of Buyer'~ ....'a!.en ~pnc.atiOtr e.nCl ereait ft:l'~ort, BlI)'et C$ pre~al.t1led or preapproved tor Ule N~W loen
B~<:rfl~ in '-C :JCOV.:;o
H. VFRI~ICAnON 0': DOWN f"A~I"NT ANO <;:t.,O;;;;IMQ COST;:,; Ovy... (or OlJYOf'::s 'crtO'or or loan 1)roY,l'tf p...,/'eu:u"t 10 2Cl ~h.1t1. wilflll1
'I {or 0 }O.a't5 Art/)( AccePto1l'\CC!. orovtClC ~c11orwllttp.n Vl'!tlflC.2tlon aI Auyor'tI. dot,W'l ~ymt"nl.nd ckxllng C01t\.
I. LOAN CONTINGeNCY REl'lIIOVAt.: (I) Within 17 (Of' 0 ) ~ Mar AcetJ~t::ance. 8UYQr$.!lalL ;$. 'i~tt;:i&!d In oar~r;;Jph 14. ~ove
U10 lo;n cont<ngenC'( ar cznCol mlsA9r~nt OR (", tj(checJ.(e(1) 0 th~ lo~fi (;Qnti,,~n(."y ~Il "6~in i,., e+n.ct urttil tho:- dc...'on~ 10Jl1\'t ;l~
f\Jnf)t<O,
J. APPAArSAL CONTIN(l(NCV ...,.0 RE/oIOIfAL,,' ThI"Ag"",,,,ont I~ (OR, If ~dmd. Cl b NOT, ="'1I\9onl upon tl>c Property "pp,a,,'"9 dt no
.'ess ttlan ~ 3ce~ficd pu~a.s. orica, If tk... t~ .e; I'l. ta&n con'tln.gal~l ot the tlmo: tho lo8't oonC:"gof)OY" t'QtnOwd (Of. Ifchac.ked, ~ w,OUn 17 (or
::1_. _ ) O:a)r'~ Aft"" AccPpt;ncp.,. Buy.,. ~II. ;:no ~odfJcd rn pa~opl'l1-t.O~). ... ~ fho olJPPrD;l.lI{ OOl'tbtlQe-t1oy Ot ~~l (I'da Agre~mtlnt.
If tM".e- l~
Mer AC"'Pl~noc.
no 'alOIn o'\l'Itin'Jem:y. Auyqr f"J-.olI, Tl9 "lpr.ctMrt In P"f"GSlI"'C'P/"t 1'D(J). fCmbVo ,h. ~OC"D~ ",;r,)~(l~cneyOW;~ln 17 (01' ) D3)I"lo
K. G I'D LOAN CONnrlGEIlCY (If c:n.c....,,): Obtoilnmg a:>y Io.n in p"OSIraph, 2Co 2D or el ••wIIe,. in !hJ~~'l\ 1:> NOT" =nlingcnoy C1f t,'.
Ag.reament. If Buyor does nOI obt.:lln ~ lol!'t(l :a.nd ~c. a "'CU~ Bl.I)"'r dace not PLU"dU:l~ tho PrQP'Cfty. SoUcr mllY bt'I e-ntlifeolj to 0VYQ(A O~O'.l.tl Of
o\tlOt ~~,ql (Q/'I"'Irdjl~:I-
1... 0 ALL CASH or "I:.~ {If CJ1etle"l: NO l¢af1 ~ f'rtIe<1ed to purC\las.e tne F'tOpallV. 8lJ)'t"J: 5naJI. w.tt1in 7 tor 0 ) OaYlJ Aft.or ACcepl"'1ce.
-,rovtde ~etl~r W(,ttQn vf:fiffC3tfon Q1 $V~eflt (ur\a& In dose this 1t.ansattlon.
2. Cl..O~lN':;' ,'NO OCCUPA.l..jC\,,;
A. H..."or In{.QI1d-s \or G dCl('''' net ~t"'nd) 10 dC:=-UQ, rnl"""~ 101:J 1~)I'llP"" l)(ttnJ.ty n::J:o)tl91'JCO.
fl. ::;:plfCl'r..()l,,<'u~~u OF" Y,)colnt P"O'P'Orl:'/: Oc.eupzwcy ,n.,D b6 Oef.VQNd tQ allYer ft ---1..L-!l' AM 0 f't\tI. 0 on loa OCltt- o-t CIO'-C' Of eS.c/ow:
CJ <J,, _ _ . : oro.,o lAter trUtn _ _~ o.oys M ... C!O"" or Eac;r"",. (CJ'o.Ft Formp~Ph~ld""Mfe'OftitJ~""d
-
(.""
oG<:.!Jp.:mc:y
_;;~~~~~n~":~~'J'~~~~'l~f:..,,:~
,8'I,r! I'voo loll ....
do ncf OCCur;;!.t tho
[I""" lU"oIU'. ~rqgr. bl"

~mG 1:.m1l. ~.uye( and
Co.:J4I r~ &I" .n.__ Mt!UCI

(.hfth.-uuJ' l'ft.~(lUIr\<l' Mr ~~
sellat et;t aCi"'!SIed ~o: (I) etftSl' lm6.:i1 umtten OCCUD:II''1C:)1 . 11t nwl 1'....:1:\1
13uyot'~ (nlllnl:l (
~elle(~ lrll1.la~ -
(-
{
- J €l
=
~~u,,~~::!t)~r~~,;~i'~1J:'; ..:!AJ~~~"h~J<I~/i:i::~r.o:· RJIovi~h:::;- uw~
RPA-e.A RSVj5[D 1010;;1: 4r-A'GE 1 0" lI~ ~.6~u.~MA::r...~;:;-~m;o • A fo# '1". a 9r"t1l.l\-.lY
~~oc;~: ~~~e~:1c,.7l'tinR~altor'$ 133] .

W~:=~~:: f1C18$."1l.oGAr. o14~~x: (.11~ ~oa~. p~~~ \lWI1'l~ VV1NFomur.tlll'\O~",
150 / 745
1~/22(2ee4
"'-'~' ..... , ..... vl-U,.~ ... l.
15:42 3135507531
CJjl-l,N .....t:H;
MARA ESCROW PAGE B5
310 ~71 ~~34i OC~ l2·04 ~:~OP~: PAGE 3
A-Opet1y AddrllX:s.. '.0'" "'cct V<Uq ""\."'Arly tt; 7; 1 C.A ~2 Dole: "'~cm'>c" -'- ?QQf
C. jO".!Il(-OCCI,JP;(!C1l)~r,;y·(l) Pl'('lpe~ "Shall h .. Y"~::I, ~~ IS (ot

1
0 )
OJYr.. PrIor to CIQ~C 0' Cao"Qw. I".l/ll~", OlhC1Wl!'lt;< ;]l'i~~G
1(\ wriC'o0t!. 1\117t~ to Sailor: If you ilttt undbTo II> ~rilJet' fotfO~ \I::tC:tn1: In Jceordatle. wkh. ~nt control (i11'(,1 olhc-r .JppikJ:b!o Lrw you may
be In brwctl of this AQroCOfTIcnt •
OR {ii} (if chetl~&(l) 0 T(,n3m tQ rtl'~f.n in POC":IO"J:rICh"l. TP'lc: cttathed' a.ddendum f'$ ;rH:orpcrnted' Into thit. Aoreemem (C.AR Form PM.
pJ/:;,~"~n j )
OR "I.') (If dlC'cxnd) 0 n'\~ An~nlc;,,% 'S lA>fI(m'90nt upon buyer.ana Seller entl'rino fl''HO A Wr'ltt.en IlIJr'&em..,nt ,ocprding Oceup4J"':y of !.he PrcptJrty
W1{,.,in ~ '11"T'Ie .:Jpecr.led In o"" ... gr&ph 14~'). 1( 1"l0 wrirten iJgrf'(lmElm II reacMf)(t wallin ttl!io time', QHh..r Surar or ~clle(~)' c:mQ:'l th~ Aglc:cl"tlcnl
InwnU"'I
O. At C~~.:: o~ ~"ro"",. $9,,",' alloGiQfI:' 10 Ol,Jyeo r nn'l ClScIOMAblt' >M~rrClf\ty "Qh~ for ltltfT1S mc1uorec ,n I.hv $QI'1 ~n«J .hal.! ,:)n:lVf(f" .;..I"Y "V4f,i/.,llJ)lrt CQpll1lCo
.of:s.u.:fl W"'{f~il{I~. 6(Oke~ Cgnnolll11(J will not Qel~ll1e lh.c .':'SoQnM{lltttv or &oy wa,rr.f\II'OS.
E. At Cose or ESC.fOlN, ul'lj~s:· o(hQl"\N'j$. :IgrQod In "wlllng. ~tfUdt ,h:atl pJOYll$e Ifeys ana/or mld1'l& to operata all Jock'i rlaflboxe, seClJflty sY'-"te'ms.
a:arrn:t "tld g~"aQe dQOf QPertefS. ir PJQgf'rt~ k :t condominium or tOClbrd In ~ common intltrest SlJb(lIyl~ion. Bwer may bllt r~ufred to PMy .:J
cfflPO~i~ to tl'l4" Holtv."croUnt'~· Mc.o~.110l"l (OI10J\"') 10 "toiATno l.,py!JI to ",~cte HOA f;:lt:.JlltIo.:.
~. Al1.0CATION OF C~TS (If Chec>t~J: Vfl!eSS. OU\tf'W" :r;l»Clrlitd hero. (hi, ~'tr"Om~ atHy dCt.e:t'trnn,=~ wf'\o i,. t.,- p~y Jorlhoe rt!pott. Inspeaton. eM:
or6CNJcc ,..,C't111OJ')(;d.•r not speetflecJ nero or 8/!;rnmere In thi3 ~feemet\l tkA r:L"tArn1In.at~ O(W(,Q b to pay '$Or any work rQCO~dad 0( Iderwn&d
by ,;Jr'ly ~uCh (c~OI't. :1i!;peCf'oT'l. [est or s.ervl~ $nOlIl
btl' by the ""tlthod G~@ojr~d' in IUl'#Of:;lgh '14Dt:U.
II. wooo OesTllOY,"C "l!sT '''llP£:cno,,:
P) C &.lyer 0 S~a~r Shell PitY (or dn In~p~jon ::.rld f't'lp.an for waod do~'ro)ling !"C&t6 a~ O'9.t'\~ (""Nepon'j 'Nf'lloCn :h~J1 be prep,~
by _ _" • a rcglSter<lll ..-uClU'Bt ~5t
comrOl compan)!. in" Report shall CO"l€:r ttie Q~1bre. '11m", r1f 1110 mal" bulklrltg Olnd UTtlehod r.'truetuf8&: ~11d, if
ene'clte-a: U al;rt:.cc:"~d ?~rao<"~ .:Iflrl ~r?CIf~, Cl d~tR(;hJtd diItCkl"t. 0 mil' toJllO-Wlno ¢lhor '\~tW'"" at "~D~fl
_ _ _ _ _ _ _ _ _ _ _ -. ' TI\d Rop,orl !.h..df
nat include c.ovcoung::J 'f ProperTy nI a conoomlnlum or JOca.tecf In 0. comrnO" mle1e::ot 5ubdlv1.,rgn, the ~ri .~l Includo onl'l I/'"lQ
lOc.!
j;gprn1ltoa Intoro~ ,:JI'ld LJ,ny '~;;CJ~VC!-u~O Jre~s OttIng lfan:>terred lind ehall n.o1 lnc;.iudt common ;lJlrg~. unlJl;AA ottl~ ;liilr~d. WAtf'f' tC'~I::t or
:.n('·WQl p"ntt 01"\ tJap~( '"'''1;\1 tJr"lIt, r'rl.o Y "01 ~ performed wlt'rlOl.l! eonJet"t 01 ~ own.cn:. or prooorty b"IQw I"", ~~t
OR (2) tjJ (11 elleckG-o) Tn ....Uac;.net1 .,tla.,nQlJlT\ {C.A.tt. "0"," v.tPA) teg.3ta,ng lNoO<1 cltl(,.lI'oylng Pttfot lr\sped;fQfI and &:I1~ll(ln of CO;;! b i1\corpon.tea
Into lob AweM1e<1t
B. OrnER INSPEcTlONS .1.110 REPORTS:
(1. 0 (3uYOt r:i ~1I"f q."l;)1! p:4y to h:lv~ ::.o~c or P(lvo.\o ';(W'QO CfIC.,(t-,JlI1 ~)Olal'!\:) j~pootoCl --- _
C~} 0 "u.yor LJ 'Salle( t"h.,,11! pay ~o tl,eve dlX7'le5tIC \NeilS U!sted f(ir Wster pOUlblflly anti prOduC(lt'Jly ~ _
(3) U f'oIJ)'lO,' ~ ~cllC"f :;h.all pay tOt a nDll1filJ haura l:oM aili~u(a f&ponpreparBl:! oy ;JS~,J,1.4J.~e1£r~"'~c1!b_"P'At.cC:f!
.. ..'__ ~ _
(41 0 13uy"r 0 \;DII~r .holl P<rf (or."" follOW"'ll "'Of'""tlon 0' ",part .
c. ~~~~~~9 ~~~~I~~~;:T~~~~f~;;':g~~;r1)OO atf-COtt - - - - - - - - - - - - - - - - - - - - - - - - -
(T) 0 Buyer CXJ ~elle, shall pay tor smuke detectDr l~l.la1ion Ol'\d/or -w»\Or Jut:)""r br:1o~~ If roqoirod by LIfW, ~or to CI~ or c::'U'vw. ~..-eUet'
y,~J Dr"O\flC1,q 13v;~r;j\ wr~n F;r-rt",,"~nl ofr;QI'IIP[b.\n~ In t:la:Qf'(!RnCPI wM c.~f<' cand l~ uw, unbs ouf'T\l)(.
(7l 0 ~lJ~r OJ ~~oll~( or:n..,ll p"... {ht' oo~ of f';t)mplumo." ""'rtn nrry ol~"r l'runln'lU'" rT"Ancfo.tOry ~ov"mmonr I'nWf", ~fA:l"tdn~:), lr'reDo(;'tio"c. .::»ld
rel:JO~ rt l'l"lq\,Utod ;,c; :: I:onditlun 01 d06lng a'liCn;)W I,Uldc( .Qny law. _
D. C~CROW AND nTt.. c':
(11 l.la Rv'l"P.'f {;g

rOCIO'N Sf"tJlcrCI1=tH De
Ho\de( ~tlQ!I
p.=.y e:.c(o~
J,I"h~d-.S.i.J;)~.~"-
{()(Ir ~;ti/~;::;b~u~Y"';;r;Z..,,~d=~:/=2~.sft~1l=
.....==============~= =;;== .
{2) 0 Iluyt'r ~ ~U~f VI:!i Poy 'Qf Owno,.'. IJlIe InCioUf'loce: palk.y ~~lJd ,n ~r",sr~h 12 ~.~~~"~nY/'T'()9YCtrl~ll_ .
Owne"s ~I(I<: polley Ie b. l""vOd ~y _
(SU)'er 5haJr D_Y for any title 111'5u~1lCf!: T1(111cyin!\url~ ~u)'cr','J 1~l'1dlO'r, '",nl~.. otht"l'\I'l~ 03igrccd In lMJting-,)
" OTl1.. ", CO.':T!l:
(1) G nlJY'" ~ ~~II(H !lh:..:l\l (.:IOIy Cuunly rrun~r.::1' 'I.<:Ift 01' r..... n:slcl' (..;., _
(2) 0 Ouyor 00 :lh:.lIJ p;ty Ciry
~QiI"l ta)( 0l'U'ans101' fee
ubn~fe:r _
(3) 0 ()vy« 0 Soller 'holl pay HO/\ tr.";,fe,"'.' ~-- __
(4) 0 8uycI ~ Sull., :::ll\.:ll! s),J,~ HOA OOOu,...,.nt ~"l,IIf¥tto" ("0$ _~_ _- ~-__:,__---.,._---_:___;__
(~> 0 OU'If: r Qd Set{~( ~n;]fJ pay tl\o cost nOt to @'wceed S..l5Q DQ . of d on"·YU.:lr hOl"tlC: wJJ't'olOty pJ.:t't.
i"u<':d byYi..r-"k..""""ri<=:~Ja=~..lr.:i.l.,,~Q ..""!lL. ~
wilh Ita fol'owfng ODllonaJ coverags -~ _

COl C' OU)'O' 0 :iCliCf "nOi' POy /01 _ _
5. SYA{~~.@:~I~~~~I~~~~;:~~~~IN-G-LCA--o_-6-A-~O--:P..,A..,,""'=~=::-RC--:--=O..,19~C=L,..0$=URE==!lI:-A::-N:-D:::-:e:cA>.l=eF=LJ...-;-:A"''r::;'/O=N-;:RJ:;G;;:.H='r$=-: ---
,,- (1) {;e!IIer !lhCn, wlrh,n the tIme $pt'c.iri~ In ~ar.9(3.ph '.4A. delrw~ to Buyer. if (Q<illlreet by u..,...
(lJ 'f"..odor.at L9~~ P.il1~ OI'KJo~n:",) Qild
P.3mphtgt n.
.t"gfj OieCJO!:llt.l:"!l'): Ond Ill) OI$ClOSU'4t~ Of" nO\I~ r~uJfe" by l\e-di'on1\ 11lP et. seq. 'i~ 11ro~ 'H'q, af1h'1 Cq\lt'grn~ CNHCndlS
r
~\~l/1«lty D;:;C106U~3j,~}. ~.;JluIOtV Ofl:cJGr"UI~' lnql\,lQO. but em not IImlrod ~o. Q. ~I)I C~~tc T~n:.for O~(JQ"'~rc' Stctement iTPS~i. Nl!lh-Jr.al
HUilrd O,SCIl»ufa &atelT'l6nt rNHO":. !1Otle.. or Qchs01J LvlOWlodoo. 01 refc.:co ot 111)00" eonlrolJI:lId wbLtaf"lG8. noUa:- of ::;:p~tmd l.1K Q('rdluf
~Eo~~9menlo (or. ,'allOwed, ~Ib'tanliauy couillalent tlotica rt!t,tardine V"le MeI!o--l:l;QQS Community R;J:t;iilee: Act and 'mpnJyotrllmt OOf)d Ad ot
1"1'\$) l1nd i' ~lJcr nil" ActUAl knOWledge. In rn~~,..,.as t.1'~e sn<J mHrtJ'Y Ofdn.ance loc.atJcn CHsdosure (CAR; Form SSO),
(2) Buyer !<\h3!I, ...j~nln rho ti.f'n~ opo·..:if!V\S In Q.,f~I1(DPI\ l~a(l), l'ttlutn ~iQ1\eO Copies O''''IC StaMory;m<j LQ:1';f D~M.V""o; t? SeIJ"r
(3. 11'\ 1M wctlt ~;dlf"f. pnot In C:h::t4~ 01 "''l.CfOW. O.c:Ot'f'\f!t ;lWlJfIt Ol fll;fV(U,", (;o?I111t'QP111. rnotAtullty -:s".~~ t~ t>r(\fU'rty. or .~y nut:enal
jrloceu(aCy III d~cJD.:l\Jreei. InformatIOn 0( representilltions prevtou~11 provklOd la eV~r of whlc:b 3uye-r I'D olhorwlsa !Jl"I:!Wllro, xrlcf ,J,hall
prC'rnptiy pro~", ~ I;ObGGquCl"\t or olmended d1b-cJo:uUCI or :1QlIee. '1"1
<l1""'"~""' .""11 noll,.. _qul""d fOf "ondltlonc. ..nd _'i.' wrniflg. C;Qv~i1 thrne ltem~....~ weve1"" :outr.Jeuuem: Of pnwndw
,nacwr~Cla& OIG01DSGO In ~potts cmle "p,oJ~
In'.".. ( a ~
BuYCf'
SeJler':1 In,lfbts l L }(( L5J
~~~~~~~~~~~~I~~=~:;~~~T10NoPRI!rlL.TO~,INC !"~(Jby ~~ I ~ci=~
CAUroJ:tf.jIA RFSIOt:.f'fTlhL J-JUJtCHASA,' AGRC[lI.U..Ni (RP"'~A PA<sc 2 OF t\) ,."~M2J~ T.rx
151 / 745
Oct 25 04 05104~ p,6
18/22/2e04 15;42 :31 e55075:31 MC>RA ESCROW PAGE 96

"10 271 4834; SF.?-2Z-04 a;51rM; PAGE 4/15
PrOPertYAddr-9S"'~ CCcl( 0rixc .,C.!:.<:,rIX ;:'0:;' cO :yC2I.Z O,;.us~~~c 4: ;>004
{,(l \t t1f1~ 0'15etO~U('D 0'( not~ ~Nj:jl!'d in SA";, Qr t: ...~u.ont or :lI'I"lefl~(f dICl.C.IO~t.Jf'¢ or notioo is O'¢4lverod to Duy~r ~t'1er 1\., o"~ !~ S~I1e'd.
"l,.Iyar :..noll tla ....r: lho "':1 M 'to QnCQI I""I~ At;rr\ta',-nvn1 wllnin J O~s. A1tCf dOINery in P<:fSOl'). or 5 0;'1)''' A~ ~fl'llQry bY oepO~!t n tnfl mod. ~
'JIVmg wnUon no1J,c.~ of c.afiCt:ntlLrOr\ to ~;;er Or Seffer, ao~nt (lea(! Dl$dt»ures BC'nt by rrt1iI mUS::be se-n( certified mail Oibetter ~
(~J NO,,", t<l 6l,iyor Dn~ ' ' ' t"; Waive, or :;~rory Ol'ld t.e~o O;"el""",," i~ prohibIted by laW.
a. NA:rURAL AND ENVIRONMENTAL HA7..AA.OS~ wtthll\ tho in. C4X"clfiod in S'''T:)IJ':ph '<01, ~~r ~.:J'. It feQlJJ,.-o: by U,w; {o) doflJl'I.o'f'I,( 1.0 OLy~
e-.:.rthqu .....(':' r;utdt'lo (nod ',lIJC"(IOnn~jrQ) ~r'lO v"'VI:unrn(Jn~ tuWn;J, bOOk:fet: (iiI ~.C' '¢xltm.ot lflJTn tne Qbll~t:on to prvVlOif tJ NHO. di~£Oc.t1lrtht'
P-opurly ;,. "'(:.("". ,n , Gpee,,,, f'rooo HllotOOl At••; POlenl1a1 f".Od!f1g (,"ull<1.Von) Are.; Vary Hlo~ Fire f-I ••ard 2""0: S~ ~'" Ro<po""lbil,ly
Ai••: "'Qt\hQv.k. Fovll ZO~o: :l:1otni. HOUr<:! ZtA1a: an4 (iii) d>sctose any 0\1191' :one ~ re<:ulred by l.ZN
for-quit"d fot' tho_~.,. 7an~.:"l
;yl"
Pl'Q"id~ .ny o~e< in'Drm"U"n
C. DATA cAse O(SCLO$U~L; NOT1e!::: if'll"! C~~mft'll:l O~tl:Irtment of Jvc.t.:~• .. 110':"0 Qo.o:u'tn')tllllr.. peJlb:t dC'!»r1mC11~ ~t'VJng JunsdletJon~ J!
200.000 or more ano many otner 10<3ll:l\Y enWcemetll .UIM~io. msintnln reo, public .~. dati b.... or tho Io""",on, of P"r>ollS n>qc;,fed 10
'~s<er pu,..u~m to ~"'''llr1lDh 111 Of 9~I!lon 13) 01 Section 2~O.4 olu.., P""", Code. Th< or v-.e..Indi~du.l, In ony noillhllotbood. Tho Oop3ltm<-nl Of J""Uoc 0100 """'' '11\'~ !,,,,,, orr""o~r
roo"[si' c.~lCn ~ tnfoug" wtm;,h mquithlll trbO\l( IlldlV/duoib may btl mad'«'. Thl\ r' ~ '.)00' telcpl'Iona ~l'\IlCt. Call1r:\ mu~t ntr'lO co<'CJ(1(: Jfl(1;lfIT\OOOl'
"b~ IndL".,rdlJQblhoy are C:l1ocklng. l"fortnl;;l,tJOIJ '~9dtding IleignnomooO's.., no, alJilDaole mrougn 1l1e-gOO" lefepl'1009 SlervlC9.
6. CONOOMINIUt.IIPLO."/OEtlUNIT D.VE~OPil.ll:NTDISCLOSU~:
A. SIe'LlE"R HAS: , fQI'" L' J D~~ Ana( Aco-ptante ro d"do'e to e-uyot wl\OUler the PraOo!f'l'b' 1e; ::I condomln~um. or ~ Ioeot~d "" :I
i=".. nfled Vt'll; dcvo!Opl"f\Cnf Of Otl'1et C<Jmmon rnro~ct LUOOl\lIIlllIDn (CAfIiC. Form ssm.
t:i... Ir me PropertY II a condomlnillm Q( Is ~ted in 31 p~nnetl tJnll dO""",,opmol'lt or othor oommOI\ rnto~ :Jubdtvt:Sk&n. ~lIe( h" 3 Co, 0 J
Oay$ "'TIll' Acce'lanC'> to 'eco9S1 f,om the HO'" (CA.R Form HOAr. (II CoPies of"'y doeurnen!s roqulrod by L~-. (Ii) <I~o""'" 01 .ny p"n<1ln~
or :::1nVClP;z.loC1 C1:lJm 0' it1qJ'l't"", b~ or iil.gclJn$t ~h~ HQA: (;n) .. ~nt CQf1tDIolog tIm ttx.ntion "l"d nvmb<r 01 d<n~rTaICla ~f1\lno ,.1M :&.tOrl.~e'
flOw!"'''''''': '1\,,) Q)pJe~ 0' trt. mo~t l"C'~nt 12 montl't!. 4r I-tOA mmure5101 re9UI,r sn(1 ,,~.I mee:lU"l1)': :lind {v) t/"l' t10fT'lltn,:. 4itld CO/lUile;t ln10rtr'l:2lr;Qtl Qi
111( HQA.3 govorrlln9 Ihe- Pfoperty te.ooe-CSNel}l. "CI OlsCIOfOtJles1. Sblter$tlaf Uem~ end' delivOf to SUYl!r en CI OIse1e:s:UI'fIIIII: received worn t~ .... OA
~nd :to)' Cl O~dO:sure.s 1(\ ~l\.t:f":. pOMe:l1:l.lotl. Buycr'.s -ar:;lCirtJVsl 0' CI Olsclosur98
7. CONOlilONS AFTCCTJtfa P~PCI"tTV:
rs.
a contingenC)' of 'N, Agreement:;u. 'lIl:,\eifi4d 'I'
~~t'l':Ipt1 14
.... UI'IIlT.)~ OCF\o"""'iX' 3prood; (I) mo J'f'O-p,Arty ,,, 'to¢1(! (u) In !~ PR,FSn.rr phy~IOtlI ~CI",cfIUo"" w of thQ d.:.rt:lIlI 01 A'::;~CQ ar"Il;3 ~bf :.;.mJoot to
8uyo,..s Investigatioo rlght$: (ti) th~ ?'QOer1Jl. ir\d.,lI;1lng pOOl, ~"o. '.Il"K1:.e,:,,Q.tng :lnd pround:l:. is to bd fI\.,nCa,~e<1 In SLlb$19nttaff)' me !am~
cond<lJon "" on the 03\0 of Acoootonee: and (Iij) 011 dobtl' ~no per:;o.a' p",porty notlnchJdea in IhC' ""'e .h~n 00 ro"",....,d I>y :1..... Or ~CfOw,
8. S~lL~"l SHALL ",It"'"
~. tim" ~l>"Cifi.,j in P""'RI1IP" 1M. ol~c~oec I\rtO'\'N MATDUA'. FAC73 AND DI'!rECl'S .lIec>ln9 l""
P'fOJ)Ott)'. 1nQJu,=,lng kno",,", In~ur."CO' crDirTO wtll'hrto tho ~t "Ve' 'IlNr~, A~ MAI<t! OTH!!R DI.!iCLOSURt::s RCCVIRE:O SY LAW 1c:.A·R.
romt:;.sllj.
~. NOTl; TO 81JVl;/'l; VOOJ 0'" -:'l'OnO'y .dvl,ood t4 cOOduct 1...........9"110"'" of \)Ie enli~ F'rornrti In ~(de, to <!eulrmlne lis ~ condillcn
SI"tC!' SOller rnD)' not I:)A ;lwa'" of ...U d~~~ ~ff~;nQ Lh. P'PQP9ftY or other b ~ thd't you cont:lldfLr rmpat'tl)nt. P'r'OPcrt;y fmQflJ\tl'OMOnt'i
may not ~ bllal.;l<:~.ordIf1l(J to C;QQG. In c.ompr",u'leco _~ (lufI"leM Law, Of nowo had perl'l\Jl:G 1.:to\Jf"d..
O. WOl'e.. TO !iC1..L1;;H: tiuy<C:f tl.as t .... ngttllo Inspa-a me ~ ~ a~ spac.lf~ in ~grapt) 1AB,. ~d Utlon lnfDrrlXilUQr} discovere-d I,.,
Ih~ I"SIP~O"$: (i) Caru:oI thrs. Ag(l!'ement: or ~it) roQue., th:Il you ma~ RODollfrlS cr taJ(D Qther ~on~
•. rro.c:;, 'NCL.UCCO ANC exCLUOEr):
11. NOTe TO f'VYt''t A.NO !If"LL~ 1lnm~ rJet't!'d ~o;. 1l"I(l11ldc<t or ~lI'cludcd 1ft the ML5.1tyll.t~ 01 (f50rkC'('iM, l"l"oDlr.;rh"b tU~ I'"lOt lnc.tvd~ in ItI(\ "vn;;h,,:K"
tI"C9 or exct~od Itom IhQ t:.plc: 1,l,,1.:~;\ ~tlc:ltled fn.:tO Qf C.
9. If1::MS It<JCLUCt;,C ,,,, ~L~:
(1) All eXISTINC fj,ll;1IJr'ql) ilr-d fittlncc I:t\~t :Jr~ ~loCl'ted to tno Prootlfo/:
O:J L'KI',;fll\Q ~""'~fICl'lI. m,.,....,on,CAI. llQhtu'ta. orumbrnQ OfUJ hVil1V\Q filO.Urou. ulJ.ng (gnG, f1'"pl,l\)M I"cn.~. ODe to!]":l and Ot't:rtt:ltt.. ~c1ot :Y""..tl:m~
bu.r~fr\ oppl~aoae.s. Window .and door $(;recns. :aW'l1I'lg~. :!;huUe~, Window COlJOt1nOO. nttad\nd rJaor cove-cing.!:, tel~I,,'lon Q~tcnl'\e~. ft,1Jtll~1U
diShOft. j:;Irtv3t& Int.~al;ed ~80hOf\e :;y~~.... If coo"'tWc:ortdltion~~ PQOVS:P::I eQl,Iipm.ent. g.f~D' (fDOI" o,ggno:li/rtJrnOl:U OI;OllUt;lb, tT1;l/lbox.
l(1""9lCund l1 n 0'5caoJ"Q. tr-eesr~hrut>•. ~t~1" W~~F1~~, w~\e' .,."rifial'1: • .c~ur~ ~"c:.fvmsJabnn.: nnd
()l Yhl!" fnl'lnwlnlJ' lto-mO)' _ _. . _ _~ -- _
(od) Seller rcp(Q'CQnl; t~;111 itefTtt I"duded ITt the PU~"'ll:SC pf'lCl:, ~nlllS6 OV'HWWjse 'pt!of1ed, are OoNned bY Self.8r.
(!:i) AI Il.-mlt il'tCfvdpd liM~ b<9 tnJn;::f",U"rt2I'n'P¢fFil7n~ .r\(f'MlrtOUt C~ ~~tT.nty.
G, ITEM!: rXCLUo, 0 'HOM SALE: ._.~ , - ~ _
9, BUYE~'S IN\I€STIGA 110;' OF PROPERTY AND rtA. mIlS A~Fec'TlNG PROF'ERTV:

A. t<uyl!ff; a~12nce 01 tile conditior" of (Jfld an'! other m;;r,~ sft'&dIng fh:~ P-'oPer1y. lJI :I tY'Int~,llIr'ley of th~ AIl~m{lnt ;'}~ 'l~iJi'!d III 1h~11
p.:..t;"gurph .:Jnd p.;lr;\!:,~p,", 14C. W~h"l tJ\.r IlI"tlc :)rleclftod In "at.:lg(,jI,j)n 140(1), f'\.lYWt' .. hbll I'l""'-':- th'l1 (rCItlt. at OU)f~r'~ C)l'oon~ u.n~~ Qr"l~o
"grce~: (0 roO.Ouet ,n"fl4'OlJOI\&. ",ore${ig.~on., 'em, 9""'ey& uno othet .ludl... reuyer In"es~oBlJ",,~),l""ilJOill'), but no\ limited 10, !he (ighllo; IiI
''':lpect rOt leaa~ba~ P8'J<lf ana 011"'1' lead..(1fWed' point Mi:l'z&r(fs; (II) insoec;;( for woodl de$froying pe$i:s ;;Ind <m:u,nlsms: (iii) nev~ 'fh.eo ~Ml"l~e<f
::.lOA o11'undcr d:ttoO{)~: 0"') eOrltm"'" t~ IMU""'~IICy of SI1¥O( ;Iof\d th" Property; gnd (II) Il,;lItl~fy e:WoN" :n:, to 2'rTY J'1"IA'tt~ ""P-"r:if;~ j" 1h~ 'Att.f1~t"O
[)v)'.f'~ 'MPet,l,>on Advl.'O''f (C.A ~ Form OIA). Wllhoul !:ollor, pl1Qr wntIon coo~nt.. 01JytU «h.1i1 noltn&r mtlfte. n4t C\.1ueo to tx: mode: (i) InVO:JNt'
at' destl'UC'T"o'e' avy.. r 1... ~}~"tll1n'1: Q~ (fa InC~C:T~nc. by ~ gCIICmlTlC)t"'lt41l tJulldl"9 O( :l.ot\it\g j~pc~to1 01 govQl't"IrT'lient emplOyeo. UnJ!t'$lI (~\.Jlto:;d
tlyLBW.
S. Bl.IY'l!:f !Shall ct1"'~le 611Vet Inv~$HO"~I()OA (lIl'I(I. J:I'- ~cl~ 10 par.:l.gr,)ph 1oCo. I"O'r'nOlofR ihp «Jnttnt;Qncy or c.ft1oal thl~I\OtoomQ'n(. O~t ~ho.n 0(... 0
'!',ollnr m,"'O CD~r. ccmPI<!tr." C?PIr'!~ of 01.11 nuvcr 'n\t'e1.t'~fiC" reporb ootni'l'lC'd by oUY"r. ~1!1;Ir' f'hnU MPkl'- I~ i->ro()erty ~1I,lr"hblo for ..II 61l\iN
£]/
Imlllit~'!J,}'''''~ ~'bl" ::ohu\i n.,vc: WClh!t(. "Q~ ~tectrlcty and an aper.e.b).e pilOt fJ!iJt\'" QI) tor ellYers 1n\'QRg.~Qns ~1lI11.hrwg" (nO 0'8tO ~o:aceaKln 1:-
madOQ"'DII.:.b!<o to BYY"'f
RUy~r ,"'t..,~\~~~.-.~
..
S~ller·)lmtQJ".( '--""')( . l~-
~;:~~~~'~~~O~:''1g~~;g:~~;SJ~~~M110'-lO~ Qr:A..TOA5*.ING It\w~bv Out. ~ ~~
CALIFORNIA R.F~~ron"'TLAL PU~HA.!lFACRF.FMFkT (RPA..CA pAGe ~ or D) TC?Y-fJJ;lO,7.TX
152 / 745
Oce 25 04 05,05p p.?
18/2212004 lS;42 31~55e75Z1 MARA ESCROW PAGE 87

OCI" 1 tl r: f..,;ULU1'/l- L l, C...' NKCR j
310 2'{1 4834; SE?·??.04 3'S<!PU; PAGE 5/15
10. f.tePI\If<ti; R"c~:w" 'jtl.~ll oe ':Omp11it.ed cnor to !in~, ~riflCDtlo.n Qr c..onoit\<:l" unlOU ott\¢twl~ .lJ.nuq In wntIng. Rol!'~tl"'l 'It' be perltJrm.fJ' .:It 3eJ~r'~
~):OOn,,,,,,, mcay t>4l' p,:rtor",<"o Ov !:.'..oft<H" or ttlro..JO/'l O\tIOfG. provtdqO ttlDt In. wynrit eNnolut,4 wilh :r"D1Iobht UW. inelIJdlnO (lqvtrtnmonlrd p"mlll ;nOtU",cbo"
a 00 apptoval requ"em.n.... Rep.". s~.u M ~erlo"'l<ld in II gO«!, !Jdll(ul monn... ",~h malerlalS of Quality end oppellfanco eornP;~bte t'> ..1511119
",..",nato, • I~ ""ga,st""" mat ex.ct r~.tora!Jon of <llJpearnn01 or cosmetJc Items !011owin9 ~Q R..,a1f$ may nO! be [lOS.ibie. Sellor shalt In p~la.,
receIPt' ror RSPs,rs pertorrnfl<:l by Olher!t. (II) ore~tt 9 wrrtt6" SfOlt!n"lOl1t Indto.:Ju,")l'J 1ha Re~t~ I'('I'fOf'1'Nld by Se"~r Attct t~e ~tQl 0' ~eh Rep-,k'c:.nd
i ol " $VOV'df'l Cop','). nr 'f'oI;e1o>l.... .:Ina ~'\.:.I(.. lT'll.In~1! to Ruyc;:r'P:"\or to l1N1llJor'fieo.iol"\ of COf\dlttOn.
1'1. OUy~ INDCMNITY, AND 'I':LLt:R f'Rcrrr:ClIO/ll ~OR LNTl(v UI'ON PROPeRTY: Buyet Sh~": foliao/lP llI<! I'rop<!l!\! tree ~Nl ~Il! Of 1101\$: (Ii'
:~~03Ir!JII d:J~la~~ ~~lng from 3\Jl",:r Il'lvC'!olig:.'ltiont'.. o.nd (Hi) ind~nlfy .r1d hold SaUer h~mtl~::w from 011 '~ull.ll'lg l~brlityl C:tJ,I~. d'~mnrM, dl1~~'
;nd co!.\$. Buyer shall ~ny. Ot BlJy.r .sh~ll ~q\Jlre an:fQ~ ~oJno on BUYi!'C"'!i bl!'hfllf to c.:Irry. "oJle~ of linb1lity, WCrkol~' eof1"Ip"'''$~tion ~nd oltl~
;j:.I.::;lII'C;tlOIQ rnnvrn'1C'. OO(C"nQl"Q nnd Ofo~ctln!J SoeU8r :"rom 'iubdlty ror.!WlJ' Iflju(~ 10 COf~.on~ 01' proper1\Y "c:.ctJrnna cfut~ any 3uyt:'r InvM.tlg.lltJont. Of
VI!lfX aone ofllho ProPl'!rty ~t AUYAI"'$ dIrect"," pr,,,r to C~QO-O or
C~, GcllCf b D~h!kld that a"bln Pt'Ot-C1!OnS m.:!ly be ~tTutJtn1 3.)lIoa.r by li:)cQ.n:Ii"$' ...
'NQUC'e of Piorr-re~on=(OiJity~(C A.Ft, Form NNR) tor euyer II"t\.'e$tKJstiDos .nd work dona 01'1 tl'te Prctu!rty ~t alJYP"'"~ cHrAdb'l '9'J~r'""S obllqqUon..,
ullOet Itlo PiHa~CllO" ~hall thJr"\I:ve the Termln!lf1Qfl of tni~ A(1~&IT1e"t.
1~, nnrA""O~~"'~G:
1\. \M"~t'l!n 1,'\0 ~Iml) r.~t:"11lc,111'1 r:'f'1egr.:lph 14, Guyor sh~tl be Pte\lld"~d.tl ¢U!rcnt pt!l:hmi1'l4CY (tits.!) f~Port. wtlld"llX onJy an offeJ b;. tin: til~ ~t~( to
~'JUp. D poliCY of tltt!'o insur.anc:o .mel f'1'TD)/ nof c=nt.:!" (rv"fY iteM ~rfeotjn91ttfl':. a....tet'~ tcvlCN af th$ ~l"eIlmjnary rC()Ort 2:lnd' any OlJ)e( maUttr& wh~h
rnrty iJffud 1;IJ~ "rf" ~ ~Qrdin~~"c:)' of ~h AEfrC'Cme~ ~C :,)pt'Ci~t;d' In p.A(~raph H8,
e. Title' I~ Ilk,," In liS pl'('l'itmt ~nQj(Jnr. ""vhj~et to .11 f!J1eurntlranCi'\, ~:I!SomClntG, {,owen:lt\to. ocndlion'l, rcnlridict'l.!l. ~t., at'td otf'ltot m~'II'Or:., wf'lC'tllcr
of I'or;crd (U n-at, o..t5 of tt'IC de.le at AcClplVOOll t:Acept, (t) l'iloneliJry I.lt:~ c1'rec:ord unfe:ss BtJ)"ef is j}:)Gun'ltr'rg t"OSoe abllganons Of r.-kin.o ri"le PrOp9rtV
,ublec;( 10 1'0.., ObllSbnons .nd (oi) 1Il0><O mi'JlW$ wniCli SalJOl ~as .g""'d to r9m0V1S on wnung.
~, Wi'h,,",< '''''. ,poWl.d in paI<J9'oph 14"', 1lell8' nag 8 CUI)' to SI$c!OS& 10 Bwe! an l11alUlr! ~"own (0 Seiter a~ l~, whelner or """,ra or not
o. At CIQ~ Of L:"lC.fOW. Cluro)( .c.hwJ J'UC'Oiv. :t Q~ CS(O('d conv6j'tnc tltfe (Oi, <~ ~tO~ OQo~tryC' or fl)flQ· ...nn IC'OC>C Cl:1'l ••W:l'l9'T"lT\I>l'1t of ... ~"
U'.:'rt,fi~t.-: Of -:-! ;-.?JJ,,:,r~ 'coosehuld jf"<l!f'-.!), In~ludini ell, fTrI"~ CU'u1 wider rt;lrn:l lr CUttonlly ownl"¢ t'ty :..;.rilnr. riUO .,1\011 'w'c~t "" d~lOr'l~ ;1"1
(juye1"lI ~uf>9lemen!af t1~crow u'\~Vuc;.1101l:J. 'Tl-lE flAANNt;;t< 0": rAl'\1NG nn.E MAY HA~ ~K:iNlr·lCAN'J LeGAL AND TAX CONSEOUENces.
CONSULT AN APPROPRIATE "RO~E~IONI'L
E. BUY'4'f oVi.1I '.OOCllwlt :::I CL 7'AiALTA t4o."eowt1~;" PolIcy d ntlo l!lGuQnco.'" titJQ col'lTJ':!ny, ~ CUYC1"~ ('DqJJC:3t. ClIO provldo InfOrmation at!Out tl\e
n"'Oll;w;~I,., .,(".~Ir"billt)'. t"av~raQ'c. :md c.o~ of vw10uc t)tltl ine.,'OIneo UWO(~9~ tIf'¥d .ondo~rnent'j~ If Auy.r O~fil!l~ tiD<) OO'\tO(~Q'e oUHat tno.n lr\L"(
fCQc,WC'd by Ihlt. paf4gfapM, (JuYI:I' 5h;)III"~trul:1 E"iel~ HDfcfD" tn Wft'tU'Ig :Ina ptl), :lny If\CrCC1~ In 00:11.
'3. ""LEOr· !)Uy.,.,'~ P1001'1!R.T'(;
A. Thi2 A9~mon[ " NOT c.onungont uponlhe ,ale or any P(OP~ cwnuC' by 8U)"Cf".
O~~. 0 (If cheekfld)' Th(" .or.:lcnl'l(J "dOtl"X1um (G.A R. rotffl COpt fCQbrctan~ thtt oontit'l~onc:y tot me Ga\Q 01 proPro1Y OWN!'[! by Ouyc r 1.tt inootPor;:lI('lI3
,nr() \~"" A()f'.'~'llenl
14. ll.... r;; PEJ(IOOS: REMOVAL Of' CONTINGeNCIES; CANC'=UATION R1GHTS: Th. r"'''''''ng tlm~ ~ ~ may only b~ D......,Oc>d _.
rnodlfJed ar eh..-tgod bY' rn\1fupJ wrlttC"n :aVroomll:lRt. Arty ""'fJ1o,,",1 of cOf'tfnQ'.n~Q. or e:\nenll:ation under mb. potr-;;)IQf.::lph mu~ ba lIYritln~
(C.A.R. Fl"'JrTn em.

A, SlL.l..t.!"( HAS; T {OT CJ ) OOly~ After A~(,Qnce to dehV¢r tQ Uuycr;lll tcport:.. (!~clO3u,," OIM IllfOrm;nJon tar whIch :;Cllr:( 1:J
~SPO(Hllbis ",nOer p3rag.~pl"lI; 04. 5A and £i~. 7f:J, ano: t~.
u. i' J ClUYLR HAS: ,7 10(::: _ •. J ODl'J5 Af!J:Jt Aa:cpfl1t\PO. UnlO,. Ol/lolWU;o 'gfee<lln Wrillng. 10;
(i) c..oit\¢fl)o'(. :tIl UUYOf In"~",{iQ."On:.; at''' olhor HO~liCllt)lO InfOrm-.,tiOll, 'Nf'l/C1l f1lJyCt reO(.'Nc";;. rrQm :.ic%.. . r: :\fI<1
~OO{OVC ~II QJDOO:o.Uf01'l. rr.:pOt'I;~
aDOiOVO .::111 IT\;]tt<'rr.. ,ll'f'.C"Jng tn". PrODt'rtY (I~Ol.igl!'lg )o",Ij..D~a t).)int ~n(j 'OOd~b• .,od o,iot h~rdl ;l\- woU a... O~f1N IflfOfnY,.t1C1l ~p.eCi1leo In
par"gr('HJh :; and InsuraOility or Buyer (Ind V>e Pro.oerty): OI1ld
{Ill return to Serf.l!r Signed COOldf r:zf Sl.atlJtary ~lnd Lead O~dQ~vrC1l dQrl\l'ered by $elter fn aceotd21nce with J)~f'a~ :)A.
(l:) 'Mrt1ln mIT tinY.! .'Qncif!f'O In t<4l)(ll. Ouyl'!f m~y r'C'ClU~~tth.t 'SoU,rf"l"lAkQ ~gltC. O"(~M Rny othor ~CbOO m!l:.rdmg th... ?rop",,'tY (C A,H. Form
nR,. .sellol' h ... ~ nO, oOIi9_:r,m to "gloe to Of il:6{)OC\d 1IU UU)'I:(":./. r-=ql.ld~b.
(3) By the dna or 11)~ t~ ~pt:cJ1iuj In 148(1) (or 211'Of lo~n contmgoflCY or 2J (0( apptal~l conringenC)'), Buyet ,~I. In \v,iting. lamove the
.iPOlicDOle corrt.lr.g~noy ,CA.R form C~) or ~neer this A<lr&!ment. H'owever, it t.ne (QllOWl09 If\:speevon5, reports Of dl3Clo:Jures Dre not f'nQCH:
......'tni" tf\t> (rrT1~ "o~csrl .. (1 ·n 1 A. (hAn SI,lY(V h~1l;. ~ (or 0 ) O:t)"1: af'lt'lf r,""O"ig( of ''U'ly c;ud'\ ;tt"~, or InC" ~ ~'(1d&ct rn
1.cn{1 J. lo\Ih!r:.r.c,v~r I': l::Ifnr to ~ nO\l1J ~hol) jP~lc:Jblo contJng.flC'j Of ~nChI thil: Agr*CrN:l'lf ;f\. wnftng: (J) gr;wemmo ....t..mOC'ldnted Il"I'J.pt'lctlons or
~DQr\" ",Q.y/rcd 0(; ~ condition of eta::ina: Of CI'J OQmrnon JTJtoI'l).~ DlsdOSUI176- pUt:toant to p.at.;graph aB.
C. CONTIN(JATION OF CONnNGr.NCY OR CONTRACTUAL OeUCA"OIl: "a.U'~ '''CIrr To CANCEL;
(1) Sell.,. ~M. to CJir\c.': [tuy"" C~mUno.u).l;l~Q; ~allt;'rt .. f'ler fiT:lt ~lwJng Auyr.r a NOflC() to' Auyat let ~r1orm (~~ ~pCdfll:'d bc"IWi}. mny COn~
1h~ I\grt'etnel;t lit .....,.,\inQ: Ut"ld 4uthon;ce relum ot D\,I)'~('$ csapQb4C ;r. by thl: time ~Clfu~a U'I U'lt;lo AQ~rncnt. nuyor daB. t'lc:lt ,elT\D\fe in vw'rWMg
me appliublo CQlltlr.seney 0' ceu'IO!I ftli6 Agree~llt On~ all con'tI1g~nCJtt~ haVt; Due'/) remOVClIQ, ra~u(~ or ell1lel UlJyer 0( SeJlet to clQ.5.C
4OC-fQ'W on tir"l'lc mJ.y be ~ bteJ.ch 01 thl!J, AgrcemenL
(7) ConLinu~tlQn r"rf CQhtll1'Q0f')~1: CVgl'l _[tM lhr. t:lott(Jlr.clion o( tha (I"'t" 'JQoqC'f'OQ In , 40<'l, 13urot ~tfla. tt\c r'lOM to mok(l IItQU.,tl; t~ ~-l~QCf.
~\lO u\ wfttlnO Tl"\P IIortf1'I~bl"" COt\tlt'l9tlUlC~ Ot' C!.nC'..v1 Hn" ,o.oroofnOflt unbJ !loDnr G:lnCf'r~ P'Jf"OU.:lft'f t'Ql 1... 0(1). Orooo r.ollcr rooolvoc Auyo.r'r.
. .mwan ramQw!1f o~ :;1/ conijng~ncJes, $OLJQf fT'I~y /"tot Q.!Ineao ml8 Agream6nt PV~U.:lflt to 1i.C(1).
(3) !;.olh.r ,.r'lht to COnCftl; gUyor Contract Obllgol!onn: $nllN, "f\r,Ir f!rlt <Jl~ Ouyer 0 NotIOC' to BUYQr 10 portann (.:a::: :pocilivd balO\N}. m2Y
cpnc;of ' '1\,'\ IY)ror.mrt'lf In wt'ltJttg ;,JI"lQ .UIM(Il.a f~tvfn or UUYO(3 dcI,,06ir tot any of the followlnQ IC4IWrn: m Ir Ouye' f.-a" fa O("po:.il (und~ 1).')
r-"Qu"~c "'y 'A Qr 2CJ (11) If lnll fLJt'lo~ " .... potfirod pLlf'!4u:mt '0 2ft. Qr 20 altO flo1 000<1 wtlt"11 ()(lPQ..QUW); ("nl~ rf Auyr.r f.a',I, to j)J'0\I1O"1I a ),,~r ,,~
requirP.d by 28: (IV) ~ Buyer 1~i1" 10 DJovicl. _1fiC<lUon •• ~Quj,gd by 2101 Qt 2L: (,,) I' So".' '.,oonably o~l'If'Ov"" 01 tl1e vorilicatio" p",vi~ed
by')}.1 or 2l~ (vi) U 9VYQr h\l~ tc> ~tlJ"l St;n.... tory .,nd '-U4itl' O~Q5UTlU;' ~c r~qu~ bY p.::lt~Ot";Jl'h 5A(2J;: ot (YiO it SUYM falhi to sion or a :.n1tJ.,
~('p;1~tr. I&QIJldAtod d~gOQl form fe! ~I"l IncrP.D.£OI:II(f dooo~t a'l roqufMd by P:lI~r:;tph 1Pi. !'..n.'-r \I;J r'tO't ~I~ 10 ~VC' Ouyer ~ ~otJc~ (<.0
".1'1'0"" t"Ogah1mq CIO~~ 01 ~c;.1'OW,
(4) Notioo To t$u)'e.t 70 v.etfOtm: Tl\C NotJt.e $0 Buyer to Joo'e:rronTl (C.Al{. foOfm NaP) S"-ilt; (I) be 10 Wl'l(.-tgj (II) 00 el9n~ by 5cUc(; Oi"d (lIq give
Boyel ar 1&8&.124 {gor U ~__ ] hOUfl (or \,1l1~ ttae orne :lpeClf.ed In ttle: BQPfiCZIQIlJ PSlragrsph, w~.cnevorfS,1.;Iit) tQ T3J('t' tne applicable-
aClion A NO'loC,co. ftJ L::ILlVC'{ to Po(1ofm m~y 1"lQ{ ~ giVCO any C'i:U~ t"Dn 2: Day:) Prior to ttro CXOlID{lon ~. IiCtl~"" ,.. ( f' ~u)r"" to 't:'mL'~
; c:):ltJn'OQ1"I.t::v 0" -:::sncel tn(~ AQroomont or m('"aT ,,:l , -4C4':\? Obh:;l.. tJOof' euyert: 1..,1f14l'e. ( . I( ~
~uot":: r..,IUub. ( _ _ . -_ ) t )-LE;..[
~~l~'~~~~j~i:~;~il~~~';~~~~TlONOF REALTORS6I, INC ! ~~~by OilLO I ~~Ji.~
CA~t~ORNIA fle),OL/HIAL rURC:HMj£AORr:~M£,.rr-i,ijiA-CA ?AGE:.t OF 8) r6Z~nIlVJX
153 / 745
UCt c::> U't U::>:Uop p.t!
IB/22/288a 15:42 3165507531 MARA ESCROW PAGE BS

.."'1::I'of· 0 r: vVl.WC'1CLI. :jA~K.\::"";
31D <:71 'Hl<:l4j SEP·22·Q4 3:5~PU; "AGE 0/1 ~
DrO:JertyAdtlf1!"~. '1''?c 'i reee ':-r),'1'e ~-l~ 1)0212 D~te:S1JD~A......2.!J.OJ..

__
:J. s::JOr:FCT OF RUYF.R;'9 RFMOVJ\.L OF CONTINCENCrr:s: It tHfiC( (~OVI:'. Q'1 w~ng. ilny CQJJ{l~Ol'lCY or cenoells!"icm i'l:;lhts. \.1f'1tes:J. Q!t'letw~
1>pt':ClriCd. ""l .:I ~oC2,~te wt1tt'cl'\ l't9:"t:~rnr:-f'lt ~ccn Ouyer :mQ ~II~. e'J~r gh.ell cono!U5tvc1y be dot'n1Od to hO,)v18: en
complQtoO ~I. t)uYt r
Ill\lC\.':.tiqat'lO'l;1, J:lnd re-vlcw or "cpo~ and O'tner appflcac:e !nTOI'mt\Tioo nno ~j:!ldosvres psrtalnmq to lhil[ coi1:lin.,enq or c.enoellallon ~N:: (II) e~e1t'cr
to pioecDd With the Cf4n;3alon: :lntS VII} ;:l.~t.umt4\3 :.11 li:Jb,lly. (M~e:"l~b Uity aroa ~)jp6ns.e tor Hepail'S Of oorreetJ'JftS pemt'ling to that <;OiTI.lngeo~ or
~"'ceO~tion :i~hl, cr fur i~Qifi~ to ObtD!", ftn"I"O~.
,-;, ,l"~-'=CT O~ CANCFl..l,4TION ON OIPOOrThi: If Ou)"!'"r or ~~Po'!"r Qi\-o~ W"lttAn noDCO Or
C1V'CI211.1tton ;>vtt,u."nl to ~htD duly ~,v"C2 \Uld.or the
l...,rm" "f thl'). AQz.('It'flonl. 9uyO( .lnd ~e!I.r agree to :'>'90 n"iulU:.1 In2i.truetIOl"lS to GtV'loel the ti-Ill& al'l(2 ~s.cl'OW' Md rerei.q,., OC"OO!.lt!.. :~ fee" "nd
'::Q~..&, to !he pDrt}' Q;"t:'t1~d tQ ~h1;: (Ul"Id-., FdCS tHld 0C0513 may 00 payabfa to serYioe p~VdOrs and vanClOrl fer scrvi':M Bnd orad:vetsJ; prt:\v'dfXI durin?
e'C/'O"'. R<I~,.~ Q' f",'1(!.< ",;11 _vi... ",u'=f S;g""<f ~ .... l.... ltuOll~ f1M1 8uyor anaSollef, Judicial declslo" or an,;tfOllion a-rd. A.
I)J'rty m~y b~ ~ul:ljoO<t. to 4 chI;' perralty q( up 'to' ~".OOO far re(uiFoll' to :)~f'l <;ave'!) (I'l~tr'Llc~u)f's. .t' ~o /JOO(J 1~;th ai,puw CXI~ A;"I Co wb<) III:.
antWod to thct dcpQICS1tod funds (CNU Cod&!!-~"_S).
1-'. FINAL Ve:RlfICAl'fON OF CONO(YlON; BUYef snan ~.ve Ihe riOht to m..... lInallJl9ocction oI\tlc P"'P<1tY ",i\llln 5 (or I 0..".. pncr
Ie CI.= or c,_... NOT "'~ A CONTINGENCV OF THE SALE. bv( ..,'.Iv
to ooni"",·. (I) the p.".,.,.ty I,
ROj)ai'c:; f'lq'yo O'\"D" COfnD,,,lo(J "'~ a':lre~o: ;lnd (III) s,,~r I'tt1c C:OI'l"ljJHA~
with :"HIIIllor'c ot.rl9r obl~~()f"Ic unQiOT1t1l1l\wroO'""""r,,.
"""nl."""
lXI~u"" to p"ra9~~ 71',; (1;)
1~. LIQUIOATED DAMAGeS; If Suyer I"il$ to complete thiS Pur~h;\Se lleCaU!le 01 Buy",',; ~of"UI\, Seller sh,,11 robin,
~s I!quid"tcd damaS<ls, the deposit actuaHy paler. If the Propert:>' is a dwelling with til) more than fOUf units, o"e
of which Buyor inlcnds to occuPy. men the amount retained sll,'" be no mor~ than 3% of tho purchase "ric:".
Any C>XCr.n51 !'nnn be r"mrn"<f to Buyer, Role",,\,; of fund:\ wlfl rcqulto mutual, Signed rll'lO<l$el~tnJc:li(lnt:from
both Buyar ,"'d S"lIor, juaici:ll decision or arllluation awa • BUYER ANO SElLER SHALL SIGN A SEPARATE
L1QUIDAT£:O DAMAGES PROVISION FOR ANY INC~ DEPOSIT. CC.A.R. FORM RIO) ~ r--=
. / Buy.rs'nili.a18 (____ .$c.tfartafnlt.1ol~ _ . ~----l
17. DISPUTE RESOlU"Of;;
A. MEOlAnON: Buyer a"d Sellr' tlOMe- to !Tl@dl"ts lJrT'i dlll;J\Jte O( d"lm OnclflQ befWO&tI Ulem out 1,)'
this Agf'Cc:l"l'\t:I'ft. 0/ ;,ny (GI",nir'19 (a1r'l".SC1dIot\.
bQf:1fC' (<!'(..OilIng to ""rD'Ir:)~O(1 or court a.nlon puri'9r~"'" 1~'=?J "'tid (::2} b~lO'N owtv wnethe,
or not !tiC' "r~h' .. Uun 1J10~h)(1 C, \ffirn.'-d. M~\Q:tIO(l
f006 rt aflY, '311at1 he drVrded oqll.Uy "r:"l(HI] tl'1e- P.;f,I't'C''$ Inv(ll~. If, t'Or ilny Ont"ulf or drUm (0 wnld'l t"ll\ p.....ocr~.cn ~ppltn.~ . .Df'I\o' p2rty tlImrnenCCl~
(11'1 ~diol"l wl1.hQvI. ~~t cttCtTJptU"Jg to r~O!ve cne mane, ltuougn medfatloo, or refuses [!J I'J'ledjate after a request hOlt'- ~een rna(l(), tkoon O'l1l.t p~~
~h:.' not bl"l .lnllt\4':ef to r('r::DV'I( :lft'omr')' fed, aV6t\ K thh' would O1~.tWis& be DV8~'bJ.e to 1f1at p,arty In s~y glJeh aetfM. TH(S MEOlATlON.
""'OVI~ION APPUr.t. WHErner- Of~ "10'" "'I1C AAOITAAnOI'l PROVISION IS INJl'IALED.
8. AI'lBITRI\:nON Of DISpu....fS: (1) eUyor and Sellllr .,grcc that OIlJy disputo or cbim In L~w or equity "ri,.ing
betwren tllem ovt of this Allr..... mlml or ~ny rosulting lr.m"-1ction, which III not 911W,", through mediation,
"11,,11 bn decidl>,,11 be :0 ,..tif(,ld ju<lgo or jU>ltico, <lr ilIn :ltto.n.y with ~ len"t ~ yean Of rot<•.,entJal ....al ....toot<>
Law experience. unless tile parties mutu4I\lfy 3greo to a diftllrom "rbifr"tor, wt'ao ~ha" roPder ,lilt .lward in
aceordaooe with substanfive C;tlirornl" law. The ~rf.lt'$ ,.hall "ave tho right to di!;covory io accordance With
Cahforni<J Cod" of Civil Pro""dur" §1283.0S. 'n all olh<lr ""'peet:l, Ihe ill'bitratiOn $haU t>e conducted 10
..eeord"nce with Toll.. 9 of Part 11/ of the: G'llif<lfnU, Cod+ 01 Chili Procoduro. Judgment upon ttle aWl'rd 0' th~
lIrbltraWr(s) lTlay be entereeJ I"to any court having Juri"dlctlon. Inlerprcl:ltlon of thIs agreement to arbitrate
Shall be goveme(l by the Fe<l"ral Arbitratlon Acl
(2) £XC.c..u:itCN.,.'\ f'AONI MEOIAY,ON AND A~61YRA.nON: ThJl I'.)JlQ"IYintllt1:rti"1"1~ AU. C1i1of'dudAd from ~I"l .anti UItIltl"aVoo; <I) g )udlcC"r
or t\o~,uo.e'". tQMoe;lQt:tUI'lQo ()r ot.l'lOr .)OtlQr"l or pJ"OoOOadh"l!;J to ('I"rOf'Cof; ~ doCd or tn~ rnor1gp9'O' or In~lr""Ol'\tt3l"\d GAto cat'lU'2iet.» ~rJt11)d
In CillifoQml. Civil Co4. §29~5: (iiJ ~n unlJowful tIe... ;""r 'oll.",; (lin the flllng or .nrorcem9nt of.~ mse:t\llnlc\s IIsn: ano rrv) any tm!blt mat
151- wtt,hin the jUrUdietiQrol1 0' ~ p'I"(\~f'p, ~rn::tn e.I;r1l'n-ol: ~ t:l_t*f'\rptc:y' court. Tl"lc tiline of. court. acf;ion to o"al:1le me- l"8eordlng at i! notlce cf
,,'H'u1IMQ ~11~t1. Inc cJrrl.r nr ""~hmc.,t. rccolvcf"';JhlQ, InlL.mctlOtI, or othe'f proV;'fo~' remC\d,", ~" 'lQt consUbJir .. ...r.I~ of '"fit
1"'OQ'I,fI1lI(J(lO .Inti ,.l'bftr...ho", p(Ovn.lon~.
F~' BROrtt:.nS: Bu)'_ a-nd 5etlf:( agsl10 to mediate anl;l .,rblhla dl3putcs 01' d.;i,tt'\,s ,rwolvlna OJthCif O( tlOlh EstO-liol"'l$, con6f£teI'\t WTf,h n A
,:"d B, 01OVIdod' elene, or botH 8rckani shall havE! 3(.lhX'd to such lY'41'db.fJon 01' :vbllntlon prior tn, or withJn a roo::sonl1blb tllno 3ltDr, 1M
tlJOQutle' ot' clDlm l!t Drt!!;..Gntt!:d to RrO\(R"". Afl)' .I"ednn by ~lthAr nr both Brokcr.f. to pRrtlGipntA 10 mcdJ..tiOn (If t.Ifbitr..tJon r"h..olt nQ[ rt'5uN:
In,Brolt'!,.. baing d~etned pcrti~~ tu- tMt Aos""""'Ol:rnt.'11t.
"NOTICE: BY INITIALING IN THE SPACE BELOW YOU ARe AGR€EI~G TO HAve ANY DISPUTE
ARI:;;lNG OUT OF THE MAnERS ("'CLUDEO IN ,HE 'AR.9rTRATlON OF OISPlJTES' PROVISION DECIDeD BY
NEUTRAL ARBITRA T[ON AS PROVIDED BY CALIFORNIA LAW AND YOU ARC GIVING UP I\NY RIGHTS YOU
MICHl" POSSl::SS TO HAVE THe DISPUTE LIilGAYED IN A COURT OR JURY TRIAL. 8Y INITIALING fN "THe
SPACE BELOW YOU ARe GIVING UP YOUR JUDICIAL RlGJolTS TO DISCOVERY AND APPeAL, UNLESS
THOSE RIGHTS AKE SPI::C1FICALLY INCLuceo IN THE 'AR8lTRATION OF O'SPl/TFS' PROVISION. IF YOU
REfUSE TO SUBuIT TO ARCITRA,TION AFTER AGReEING TO THIS PROVISION, you MAY DE COMPELLEO
TO ARBITRATE: UNDER THE AUTHORITY OF THE CAUFORNIA CODE OF CIVIL PROCF.OORE. YOUR
AGREEMENT TO THIS A~BlTRA710111 PROVISION 15 VOLUNTARY."
"WE HAVE READ AND lJNDl:RSTANO THe FOREGOING ANI) AGRa: TO SUe-MlT IJISPUTES A.R1SING
OliT OF THE MAnERS INCLUOF.O IN THE 'ARBITRATION or: DISPUTES' PROVISION TO NEU1RA.L
AR81TJ:(ATI01ol"
. . .!'uye~~ IlIln",. r---·------·----
, _ _. _
~yt:f':> InitJ~I~'
Seifer, InitlA" (
CQ~"\lm ib 1 n.,.]On, CALlI'"OHN(A A~.:t"OCV!."'~N 01= RtAl ro~. INC.
nPA·CA "81'~l'1) 1010~ (PACe 0 Of 01 11~fl....,~""'"'';''';~by~~~=====:2.!!!.....====-:=o,_
CI\L1I"'D'RNIA R..,C!;,IOCNT'lAL P\.JRCJ.tA8E AC~.f:MId\,jT(PrJJ\-eA PA~r.' ~ 0': II) r(\~~·".,o.l'.J.)\
154 / 745
uoe ~~ u't U::':Ubp p.~
lA/22/200a 1~:42 J105Se7531 MAf.'A C::iCROW PACE 8'3

'1;'.' ~T: GUi .. U~·!~LL B~NKEl=l;
310 271 4634; SEP-22·04 3:54PM; PAGE 7/15
1roDerry AaC:rr.~:$: ~".ct ,"'If' YIP nt'7.C"r) y "-1 ~:5 .....~o2A1.;z Dc.fe~ ~~.t.L.:4k~"'.Ut..-~
tll. P~ORATIONS OF PROPERTY TAXES ANI) OTHER ITEMS; Unless QthClWi:le agreed In writing. !he foUowing ~ems GnaU bo PAID
cuRRENT "nd ~ror8ted QOlWeen 9uY'" and :len.,l "" of Closo Ot E"I;TOW; r~ OI'OP'"'rty 1""es an(! a~~o~smenlJl. 'n\e"'.t. rents.
HOA ~uljr :'1ll1C1Ill ... ,1<1 omerQonq duo~ ~no ~~O&oom"r\l' Impor-ad pr',or :0 C/obe 01 E:~CfOW. p~rnium$ on tnr.ur.1tlCC o~~=ed
D~ Buyor, paYr'l"lent::; on bonds 3f'd assessm~nt-: ~~umed by £hzyel'. ana p3vm&I1'~ on MfJdo.Roo~ ana Othnr Sp~ci.J1 A$S@!".!:mell1
DI"bl~ bond.. fUld "<>s~sml'nts thot Bre flOW lllietl. Tne> fOlloWing items shall be ~~surn"d by Buyer WTHOUT CREDIT loward lhe
p",Chllse pM.,..: O«Ha\'ld ~ym~ntc on M",llo-Roo~ nnd <Jt~, $p<>oal A....SS['rl()(\t DI$!llct bQnd!> as.<eum"I\tS aM HOA "?~ ""a
m.e~>rt1Q*. Ih"1 ~(O nOlv" lI"n but nol yOI duo. P"'P"rty waf ba ....~.""~Ocd uaM CrI<J"!lO of owner''''Q. My ~l1PCI"m~n!;,' la. b",~
~h81 ~e 03id a" foUows: H) tor pcnod. a~(!( Do ... or E!lCTOW. by Buytr. !lrI(j (ill tot petiod5 pnor 10 CIO~ Of c.crQW, by Seller. ,AX
8'~LS ISSVED AFTER CLOS£ OF" ESCROW SHAL~ SE: HANDLeO DIReCT!.Y BgnvE;EN BUYER ANe 8Cl..lER. P",raliQfl5 shall
b. mace b:..ed on ~ 3~d,,\, rnonlll
9. Wln,HOLOING TAXES: SoUo, ~na Buyer ••gm" 10 nxecutc oD)' inW\Jm"n!. ~l!idnvd, ~talcmcnl or ,n,lruetiOl\ ro"~.on,,bly n.. c.... ""'Y
'0 comply,..it" fooora' «(,,,,,-,rA) ana California Wllh"old,ng ~ilW, ,f "'Gul'eo (e.A.I'<. Forms A$ "no AElI.
'0. MUL'tlt'\.E '-'S'!'t~1G S!o"'F.'/lCE '''MLS''): Blor.er:> B""
auinorized ttl '@port to Ihe MLS .. pending sale and. upon ClOse Of Es""'..... llle
I",m~ or 1hi.. tran"~c;ion 10 be publlstleo and di?'011lT1inatetl '" pNCOnS "nd .,nlllkn ~ulhorl>:..o to use the Inform:>tJon on term,
~PP"ovt:'"d by the M'-~.
t. EQUAL 110U5lNC OPPORTUNITY: Th9 Pr()~rty IS s(lId in eompl!acro wilt! ft>deral. 61,"":>nd localanti·dlacriminllUon Law'.
:2. A rrORNEY J:F.F.9: In ;'Joy aetlon. proceedine. 01" al"bitr3tlon bQtw&en Buyer and .setler afi~inQ out or 1Jll:; A9r~menr. tnB pN)$;JLJing
nove, 0< S911~, ,hgll oe enll1l"d 10 c09sonab/. ~tlOm"y tee~ 0Ifl(J COS1G ftom In" nOl1'Pte~";Gng Buy'" Of' s"l!cr. ""ceol a~ provldca In
P"",grJJph17....
3. Sf'LECTlON OF SERVICE PROVlDER~ 11' Broker, r.,for Buyer or Seller 10 pe~. "eMorn. or 'ef\lu:e Df prnduet p;ovid...
(·ProVider~·'. J:jrOker. do not guaran!9l>lhe perfonna'll:<> of ony P,ovit;1..,,,. Buyer an~ Seller mllY ~AlQCt ANY ProvlOO<"o 01 tl1elr own
Cl'loo~(ng.
a n""E OF r:SSENCr; rNTlRE CONTRACT; CHANCF.S: Time i~ 01 1J1~ Qlll'Once. All und"""Mdin,,~ bdw..", th" p~njco <"e
iflcOlPorated In Ihi' Aqreen>enf. It~ terms ar" II1letldetl by 1M Pillti"; .:let a (If'IlIl. complete and ""du<""o expres~on of trel
Agreemenl with ,,,,,peer:o II. ~ubJ"et matt"r. and may nol t>P. COOlr.1di<;1od by ,""ldeMCe o( llny prjor al;}"'¢fT1cnl 01 conlempor..ncouS
0",1 agreemenT. If on" prO'lOlo" 01 tflis Aor<!4lmcnt IS h"ld to DC Ine1'lectiVl? or mVolld. Ihr: r<:m3inlng plOl/Inlan3 wi~ neYftrth"le"~ $e
Given tlJU foree .and atfod.. No\t'ne-r thlf,j. I\.qt04lMOYrt nOt Sl\y PTOVIt,lon 1ft it "Hi'" b ... ox.tonde-d. amended, 1"l1OClf leod, .:llttll"'C'd Ot
oh"'900. "",,cap' in wn!ing S{gnc6 by Buy.r :lnd SeU"r.
5. Offl!!(R TER1\'IS AND CONOITIONS. Ineluding ,,<tacked Supplemenl:<:
A. p"-~.l''''' In~~.o'Y lC~.£.~m_8IN-;=.--:===.LC==:::::::- ' ~__- __-
D. d:J::§!l;l;L~C."'~':'1Addcndu.!!:'...(C A.N. f-o"", Pile' t='!?lI!1'ph numb....."": L_~_---:-_-:'--=---
C, SPl!pc cO' SPY ~~~~t:iJ iQ .. n ....""'me age toe..' MSce8d'?J' (t-., polJrcRPet 0::1" c:hf! (2!a.l
~45(J1 pr...~llg :18 ~.nt c.b!te bnypr bt'!.Ids: a ~l;L#'oN" p... ",,'l t',t:.1te Worm' ...
G. o6fiiilTTTONS; A. u~Od :n thl~'AgrO£'''''''<>l: .

A. UoAoeoptnnce"" mc~nQ the time mo offer or t.inQt CQunter offer is ~ceoptQd' In wric.a,g by a ptlny ~"d ~ .jelluor8'd to .:md p~onolly
recel"~ Oy lhe Olf-or p~rty or thOlI pntty's authorized "genlln ac<;o,lIi!<l'IC<: w~h the telms 01 this oller or" fonal counter offer.
13. "'AgrqfiJmont.. m~;m!';. ttle lerms }lnd corJdltlons of thl~ .3Gct!tpt~ C.:alifomla Re~ddentigJ P\lrC"~E:le: Agrocmvnl and any .:Jccopted
C()1;nt~r Offort. ood :iddfc'nd.:l.
C. "C.A.R. "'0""" '''''oM til .. o~"cif\c form r."'"mo"d al anotller comparable form agreall!o by ttle partes.
O. 'CIQ!,,, or ""emw' r'>e<!I"S Ih.. date 11'10 granl di>I!d. or l:)lhQr C!'\IidellC'> c1 \1"nef~f of Iitle. I.. le<;on:le~. ~ Ike l>Chedule<f close 01
"soro,;, falle. on ~ SahJ<doy. ~unaay or 'Qgo! holiday. then <;/0"" of ~~crow .lull bA til.. fl9Xl b""ine.s d~y ~It<::r Ul<l scheduled
CIOM of e.crow dm".
fi. "Copy' means coPy by .my mean. inc;ludm~ O~clocopy. NCR. t;ll:'imlle and ereetron,(;.
F. "D:lya" meall$ colun~rd"l"'.,,~ICSS OtherwIse t"qu~ed bl' Law.
G. "D2.y'll- After" ."nC'lOn!) the specrflea numoC'/" 0' calel1cer dayS'. ;;Jn~r the oceurrl;'nce of the event ropl:!Olfiffd. n01 covnUng tnll ~Iv~r
dote' on WhICh tho sJ)~crfJw (}vnnt oCC1Jr-. '=='1"0 r.ndlng ;,l 11 ~~OPM cU'l the {jrua! d3:)'.
". "Oay" Prior" mloans 1~~ ~pcci1le<l nurriDer of alenoar d3~ be(orl> me occurrul1C& of lh" "V"",
,p~cd, "01 countinO th"
C4lenJJar d3\e on wrtfch me ")pc:cif\ed event i::a ~ch.oduled to Oc<:.uf.
"Electronie Copy" or "EJ"dronl~ Slgn.I,,"," means. "" ~pplic~Ie. an ~Icctt"n'c copy 01 zigllature complying with CarrrO'llia
u,w f:tUV<lr and u'tltor "ure" ttwt (,I1nct.ronlc mt:aO! Will n01 be u:»od by ,,""rther OQ~Y to modify Of p)lt~r th~) contc:'\t or int"~1'lty r;n ttll~
A91,,~~en: WitMue the kllOWlfldg9 aM eot'~.. nt \he OIhQr or
J. "L-.w" means llf1y i::lw. cede. s~tute. ordinance. ""9ulatlOl'l. rule Of orcler, which I~ saoDle!! by ~ eol\lfollioq city, c:ounty stale 01
fed..r~lleQi.l~tlve. j"diCl:.1 or oxAcuhve body or "geney.
K. ""oliGO lo !'Ivy,,' Ie> PQtform" mO;lnt' " doCUm~nl. (CA.H. rOlm NllP), whicll ~n~1I be In wrilicg >lnd Zi.gned I)y i:iollc>< ::md .h~1\
Qive Buyor "I ;"aSI 24 hou,~ lor..,. otherwise q)...,ifle<l in ~r~!lr:>ph 14e(4)} to remove ~ contlllflcncy or p<.>rtorm "s
app/lCabl"
L "RI'P31rL" moo~5 anl' ",p.Jr~ (Indudlng pe.! oontrol). "'I"r":'on~. rapl.8caments. moomClltions or ~~"OfouJn\l of th." Propcl1v
p1ovidl"d fo;;;n \lncJ~r fhl'J A9rel!'m~nt.
M. "Signed'· mOllns f;!tthl;#" d h..1nd\N'rnttu'\ or etuetroniC :;Jg.naUJ((.l Of"l lin onginal dCeuc"f\erit. CODY or arly ""IJtlt~rp:)rt..
N. S';ngulbr ;md pr~""l le(trr~ (t~ch lncJude ,t"c;;: ottlor, when a~t'Dpriato..
155 / 745
uoc ~~ u~ U~IU'P P' 1 U
MARA ZSC!'[J,oJ PAiX. J 'J

310 27'1 4834; ~cr·22·a4 3:55PM; PAGE 8/15
)ropartyAdlJ~·~l-:.J~.A:_~Q l"!ntrrZy ,·tZ·~iJ2J; _ O,)te:):,ts!e.M/:)~ 4 +'OQ4
:7. AGENCY'.
A. DI!;;CLOSURE: Buyer 3M Sell'" ,,:ld1 ackrlowlcd>l~ pnor receipt of CAR. Fotm "'0 'OlsGlOwre R"lJ<lrdlt'lg RQ;l1 E$fMc All"ncy
j':~J_rl""~'O$.·
13. POT~NTJAU. Y COMPCTING BUyeRS AJJO sEl.LERS, 811)'er and 5ell~r each a~nowl"l1ge receipt of Q disci""",,, O( the
po~slblf/(y Of mU'liple r~preSen~lion oy the BroKe. repre~~ting tI1at pnm:Jpal. Thi>: Q'sdosun> may be ~tl or a lI'tillQ "9Ie~r,
btJy.r-broxe r ;lq'()~mQnr Dr sopar;ot" OOOJrn~'f\t (CAR. Form 01'1). Buy"r Und"r.ll.:lllds t~OI 8rOX9r rcpfltS"nllnS/ DU~ may ~Ioo
mprese1H ot~cr pOlenll,~' buydr~,. wno may ~.idor, We ~ on or uiUm.te1y acquire the Property. s..JUlT Und~tlnd. ~11~t
Brol\er repre>oel\tino Seller may "\50 represel'1t other sellers with cotnpeung propertl.e& of ;010=110 tn'lS 5uyer.
C. CONFIRMAnoN: Th~ fOl/owinO ogelley TelaliotlGl1Ijv.< ~rp I1efeby confirmed rar thi~ rran~elion:
L,~ing "gent .. __ c"~~,r (Porn Firm Name) I. t~" ~\IcC\t
of (cllecJ< one,: 12l ~"" Seller e>«:lusivery: <X 0 bolll the Suyer -and Sellor,
Selling Ag6lT ___ _G,J..1J..ffh!!!..'3d trip &altar8 _ (IOrint Firm N"",,,) (If nol ""m~
~o lbUnO Aqenl) I. tn" ~!Jent 01 (,," .. cI< oru»: m tilt' tluyer l'!Xclulllv<:ly: or 0 1Il<.' S.. llcr eXCI~"rJy: or 0 00th rh~ (luyor nod
SoUer. R~aJ e,totf.' Elro,cro. ..", not P3f'lles 10 Iho Ailr"emt>nl between Buyer end SQtH:r.
IS. JOINT eSCROW INSTRVCTIONS TO ESCROW HOLDER:
A. The follo,.,l11\1 plIr;osr"phs. or "ppllcable por1lonll.thcre04', "f Ihi:> A!l~mt'nC constitute tM jOillt e50fOW Im,truet,ons of
RUYllr ;onCl s..1I~r to es~'DW Holo"r, wh<J:I\ C=ro.... Holder I" U) use along WltII any ror"led eounlor O1l<lr" end "d(jcnd~, 'nO 'ny
Mdrtion,,' muwsl Inwur:tions to close tMe escre>oN: 1, 2. -4, 12. 138, 14E. 19. 19, 2.04. 2~ i>nd C. :la, 28, 29. 32A. JS and
Ds'sgr.'ph 0 of tnt' "eerlon ,llI.,O Re", EGt;o\Il Bros<rr:; Qn p~ge ~ If .. Copy of tho ,"C)srate eompe~t1ol\ 3Il'eemp.n1(5) prevlcl""
for 1('1 j);'lf"llgroph 20 o~ 3:2A or pl)1"bgrZlph D of 'the :'t¢ctiOIl trtilld Roal ~ tsrok,el"'lo 00 p~gq e i~ dqp~d W11h E'QClO'-Y Hotd"r
by !:l'ok"'r. ,,"scrow Ho,~ ~n~W =pt .ucn ~9r""me"1(.> <1M payout ItOm f3uy.... ~ Of' Sellor's funds. or bQth, 9,. epplie..bla, til<>
8rok"'-5 <omoen&"r,OI'\ c/O'Med fOr in ~ucl'1 agre-..nt(s), The l"ons and c:.onOitio"1o of lhl" AQ",emOnl nol "'" 10m In IN>
r.pl>Cir,eCl p;>rog,..pn~ "re ;ocdlll(>na, m"l1or.& tor tnq lr1rOIm~bon of Esorow HOlaor. bul "bout Which E:;CtOW HoldC'l' ,.,..Q<ll nol b"
cone.rMc!. Buyer .>nd Soller will n:=u() Es"O'V Ho'<lar'~ g"nellli llrovi;;iQl16 CliNlClly (tom f2lerow HoldCf 01\01 will "","clJ\l:l ~UCl'l
(lrovl~'o"" Ullon E,c,,,,,, Heldars .... q"e£t To tile e.rrl>nt the geneml ~roviSlo"" oro inccm:launl Or canlltd wfth this As=ment.
Ih~ !)Qneral O'CVI~lon" will oontrOI3$ 10 Ih~ olltles ano obliQ<Jtio"" of ,"ccrow HO!(fc:r ""Iy. Buyer and S"Uo( wiB ex"cute a<llj~ronnJ
In~tf\..lct;ons. dOClJl1"'\(\nt~ and to(m~ prOVldctO by ~e.a(OW }-(O-:dOT tM:d' tilrTt ro.:atco!1nt)iy noce~~ry to c:lo~1O tht' cCO"'OW.
e. A CODY o( thl~ Agreement .hall I)(l del,"",ed 10 Esctow Hold.r wlthi" 3 bU':!>lClesli cmy. after Acedpl~"ce
(or i:J __ . ). 91J)'.... <tnd Seller auth6rlZo EoC'Vw
Holclnr to ;>cccpl nn(l ",Iv ~n CopIes Md 31~Ml\J(¢G as dnr,n~a in Il1is A.<)"'<>tT1ent = origin~ID. \0 opan =ow Oln(j for olhqr
Dufpo:Je31 df ~SCtOw. The v;:.rldlty ot thiS A()r~ment 3~ betw'een Auy., and SafJrr 1'5 not :l'trnde-d by \M'lcth$( or wn,m t.SCfOW
Holder SI9"" thIs, Agreem~.
C. l'lroker$ (Jo(~ n pm1y 10 Iho ""crow for Ihp oole purpo~. of comoen~~tion pursuom 10 p~r"'!lropna 1.9, x>A llll(1 p:lrn9'~pIJ 0 of the
~O<:I.,n lJUetJ ~¢"I L:~tal!! O"'ker> on P-"D" 8. BUy", and Sellor irrevOCOlbly .:l,,~i91'1 to e"'l<er~ r,Qmpen~DIIO" cpc:c,fiOO '"
p",,,sr,,pM ~9 and ::l2A, ro~peCIJvC!lY. and ureVllOObly tnslnJet E()Cf'QIN HOld.... to clSbu/SC thos.e fU"ds lD Broi<..rn at CIIY.'" O(
ES=i OJ pu"u~rn 10 any <:Mer m""';>Jly e~eC\ned eaf\""n:allon agr"l!lT\!>tI\. CO~I'll"l"allon InstltlC'\;ons C3n be amtmdod or
'ovokod only wiln Ih"'Jlrillon con~e"l 01 8,okcr~. E~crow Holder ~~I il'r'lrnl,\dJolc/y Ilotify Rlo~Qf5: <I) if Su~~ inll..1 or :my
.""'dh,onal d"PO"11 is nol m~de pU!"Su""l 10 IIlls I\Qleemellt. or I~ 1101 good :)1 tim.: Or deposit W1ln E::.crow H<ltJ:ler; or (ii) If euyer
"no Seller In,t·ud E1;CtQW HOlder to cancel ~ow. .
D. A Copy of B~Y am"ndme~1 lh;>1 "tt<las .any p"r~gr;lph of this Agrw<:menl 'or which r:I:CC_ HOlljCI 13 rc.pon,;,ibl" $haU be
dorlvered 10 Eo;;ef"O\lV Holdor with,n 2 bv~i7"l.t"l~:I; d~yS mtt".t mutu~l Q>cce(rtjon Of tho \:IJ'McndlT\t':nt.
l. BROKER COMPENSATIOIII FROM BUyeR: II .ppllcablc::. upoo Close Of ~OW, tJuyer agrees to pay compenMlico to BroK." ~&
3pnciflf\d in a sopar:;;J\e V/c1l\on ~groement between Buyur and Broke1.
I. T~II\MS AND COIllCI'I10N3 OF OFFER:
Tn.. IS Qn olf~r 10 pu"'''=e tM Prof'Or!Y on t~" above 1erm_ and conditlOM. All p~ra(jr.. p1'l5 with ~ElCeS for inllml. by Buyer and
Sellec" arC' incorpora1et'd in tills As:.reemeflt only d lnt[~ed 17-Y Stn partiR&;. rr 31t le~ on. but not .oJ! parties Initial. a COf,Jflter offer J!J
"'o"I'''d unIil 'Ilft"'ment '. ",~chod. Seller h~& the ~nI 10 otlobnue 10 Oft", th" I'rOP,"1y (or .,,10 JI'lQ to oeoQPI ,)ny otn"r ot'll!r;,1 ~ny
ume pnor !o f1olil/c"u.cm rj{ A~ptemu:::. Buyer hCiS feud "nd acknOW1D(.1g.S rec"pI: of :1 Copy of tho Ol[8( ,;lnd .;Jg(~ 10 the abmtQl
confirmation 01 aooney rel<lllo"shjp~. If this otlsr is ~CC<lpled Qnd 6UY<lr suboscqvontJy defDUIb. Buy"r '""Y be 'e&p¢!\Oibfe for
oavrnent 01 6'·OK"..· COlncen.:otlon. Thill Agr.".ment and illlY llUppNm<m\. add,Odum 0< mCJdi\lCi1l0n. IneluOing 'iony CoPy. may b"
SI'}O~d I" twO 0" mOnt countof'p.,)f'ts,. .:JU of whietl1,;.h3" cOf'lhUt1Jtco one ;)nO trlC $;ItrUJ Wtitinl~.
156 / 745
Uo~ ~b U~ UblUIP p. 11
MARA ESCROW PAGe: 11

lu/22/2S04 15:d2 31ASSB7531
1oIl-'" 0) ~ ........ 1.U!."fl;l.1". tlAI1K.t:H; J10 271 4834; SEP-7.7.-04 3:56PM; PAGE 9/15
1"OCl~rtyAddm~.". ,;:u 'j £"·"~~_~""'l..'P:tf' c:u.J1. .-/\ 't.a2U Ol1hJ,"':R1I","mhOl: 4 'cog

31. eXPtRAYtOH 01= CJ="FCR; T"i& #~I ~h;lil O~ d~~g reVOKed Bnd nD dl!lpOU 'St\SU be rotuCI'\e:d lJ"tess the Olf~t ::. S.g!le-d Q~ 3ellef ~Od a Copy af thd
S:'}nEltt offer is pr.~on:lIJy received 6U~6(. 01 by or • who IS
~uU'\O(l:t.,."C1 H) r_cp\v~ II r:,y ~:OO PM 0:'1 the 'nlro c.a'endo:;r d,"Y aru., f"'~ otrC'f Ie 5ionQd by nVYe;r (or, U' .checked. 0 by
~ -- /1~'- " ------------- 0 ...",0 (d.", .,oj ('1,\).
~~~c~q?1G;t:t ~----- ;:E-R----f----j':::>-=+....2.~'.fi,~-------

f;;~~~~ - - - - - -
~~!,f" /l.1,&;:.",d,._Sr:=.L-L"'~ ""!7de~ CA m 3 !?
:lZ. 13~OKl;R CO/lllPEN:;A nON "'/'lOM t.M.U:::R,
A. Upon Clo~Cl or E~uow. 50lllftr I1gre~ TO ~l!V comp.ofl3a'on to CrQ~t ~ t~,,=,~et In a &eParm.o Wl1rw", 119(i'''1llOnt tletw~f;:'" ~~It,,, ~nd Orok.er.
0, rr e:rcroltl ctoes t\Ot CUlM. eompen~uon IS ~)lo-ble ~& specd1ed In (~E 'S~lHtc written agreemont.
~.::. ACCEPTANCE OF OH-E'R! SoHor w;KlanU \flat 3~H<liIr Is: !.he ownrr 01 Ule Prooet'tY. 0' nas1he authority to ~e'evle thi!i I\gl'Oomont. SellA'r ,:u:-c:epts 1"e
,JbOv~ off,:r, ::Ir;lr.:Kr), ~ 6qH ~"q p.,gpeorty on fix- ~\,lQ ..,rmlC And conartlon~. finn ~9'*O' to the ~b¢'-"""Il c:ontifl"'.ation o~ *Oqrtcy I"t"IOlkJruthif)~ ~'l\llltf hM
(.,ltel and j,dno.... ~Og:~ ~~1'P1 or d CODY at tl"ll:lo AgreemMnl ~nd ZluttlCVi.ttt\. £,1tckot to d~lrVor ~ Signed COpy to Ouy~r,
o (If coed<.ed) SUBJeCT ro A rrACHEo COUNTER OFFS>. oA TED
O~tQ _ _• OdtC
'.;E~LER ~c:LLE-R--------------------
~~7~~' ..IP;:rl:::n:;I-.:_=::"'::------~----·-~--------
(Add.-o) - - - - - - - - -
, ) CONrtnMAnOr; OF AcCepTANCe; A Cocy 0/ S1Q""" A«co!4noe "'a~ """",nlilll' reClViod b~ ~"Y"" ()I' OUY"" oulMf"'''''
- '---vn"J,,~" oao'" on (".,") at _ 0 AM 0 I'M. A b1IlCfing A!I""'m<tnl.le e...Ml!ld Wl!efI
;r c,,~ 01 $19,:md' Aet'AlPt1ncc~. p('rf;.()"..-J1y rec.cJved by []uro,. or 6uy"l"':S .autho(~d ooent Whrilthor Of' not cot\f1rmed ir1
ttll'1 C)()cumotrt, Complotlon or \hrs conflnnJlUon i'!lI no1109'~lty r6quitM! in Or"dot \0 cro-;l:w it b'DO)!\S) Al:fJ",",oM; it Ie. ~01My
Intel'o<t~(J to ovldet1<:e _ d;)\o thaI Con!lI1llQ!ion 01 Aecelltonc,,'''''' ~currc...
REAl. esTATE BPlOKER$;
A. Re3l 1;1._,- e,oke", 3'" ""lv>rti•• to ltt.to "9'''''''''''''.botw....
8~, and ~.lIor.
O. Agone:y ('otOttlOMh,Pl;o':'fO COi'\rttmcd 4~ :IUU..oQ,(1 oo1rl1~r4ph '21.
C. /' :POGl1Ie<l ;n """"'°0" ~A. "'ac", ,..... ,u\)n'lIttBd tn.. offe, t«' ~uyor re",,~ of ""~03ll ""*"""'1edi/e3
O. COOPEftA rJ~Cl nROKcR COMPEN!iA,TJON: L~;1'l9 ~oker aQT9M to PQy Cooper3tlnQ P.rokc-r (Seiling Firm, 6104 CQ';l~ralit'l9 61'Of<.el Q9re~ \0
f\~OL out of u ~ Arokar's proceoo~ In ~\I{. (I} \r'IC 'OlIY'lO\,l.nt 'ipetl~tl In 'ttl_ MLS. O(Q.""dqd CQfJ~t;tln\.l n~( l'!o. a ~v.rtioigiilf'lt r)f \.h(' MLS In
w}1Id"l1h<l p(~rty ':" otTarod 'or #~I" or.l!l (~e;pro=j ML5; Of (II) r; <If
dlw~OO' tno ';U1"Ounl 5~." I., Q ~Pit1rate \,NfTtW-fI ~g~munt (CAR. J:orm
Gt$C1 hDtw~n LI5-tJn!J Otoker a...q ccopetath1g Ot'OJ(.,r,
Real t:stat"! ~~er (Sltlling FlTm) c.;..zl~"J:;.......
r,y •.
"-"G"'r...
"...
"J...:Ulo!L.J'Jl"'p""at./,;,l;t:"'a"'r'"',.
_._.. .•
____,,......,,......,-----:-c--------==----
l!iJ:;.i.oo~~Dote 2IlO.4'--
~~.
I
1
~r~1JI ~.;J_.¥.u,J..~.cL~t,I..L."i2.\"'y,Ji]J__ ~. City ~.J.""zt f,;t.te CJ\ 7.'£1 ~?-..tS' 1
Tc:.IQl'hoM (3IO).f 78- IO 'P_.. __ rllJ(' -'-12 ~ l RoO "1-9::1 78 ..,,""',,·"'~""""'P"'n.""'I.....
!!.mall jJWlJ_ . e"'="'_ 1
R.al Est.'" Crokol <~l>\'n. ~i""l q;.~"ll....2~~:,: __;:_::_:_-------------1
Oy . •_ _...,- . -:: D.'" -= 1
~:~:~n-e----- --_----=F-'~--·----- C'l)' ---E=.-mo----,'lc------- 61oto - - - - - Z:o - - - - - - - -
F:;CI'(O\'lI HOLO~ "'CKNOII'IU!D~T.

~Cf()'w Hold~r :Jckno ..... rcQ!pe'S (('Coiol Oft:! Copy 01 UHD Agr'~et'hont. (., cnfldoo.d, 0 D dCp~lt ,n tNJ umr:ml\! of S ~ >,
I
~oU"t~r of(ernl.,.'rnt,")(fn. an(t _ _ =-. .,-.,-.,.-,-____,--,--
_ _----, -..,..,,- . af1d " l l = 'll> pe\ liS E... Cffl Ho1<l~f .~bjllOl 10 P4",g",ph 2~ of "'\~ AgT*nu>nl. ~ny
I:"vpplo"""n~~' f/l2r:!VW jn::ttucl.l?f1,-; "..-.ct The 'Ml"'I'Tl!. of P~~l()W HQIO.er'.? QQI\q-t~1 prDvblons
e",l';fow" HClloe/'~ ~d"'t~cO that ~hO d.oto Q1 ::ontIllTl,a.IJon of Aeoectlnce of 1!'ttt A9re~.nt ~s:. ~~n Stlyor :md' S4l1er C::i _~ ~ _
~~(]W HlOldrtt ~ .. ~~fVW 1! ~ _
:~::~~n-rlE-.""'-· ;;--------------
~,e,,'W Molder l~ \,ce;;s;;o1l')l c~~fum:ilc:-a'O;-:e~~-&r1rr'<:·=--::O\-u-;I-:;CJ;::-:CQ;:-r-PQ-"'-
\h6 :C'io"'n"'s-::.O=-':-n-... -r-,.-"""-.=O:;-;;f\&"...,al"'Eo\a=-:'--:Io-•.......,U.,.""-n::'s,,::-:;:#,..------------
C_ _ : -. _) ~PCTION or o,Fr:R: No COl,lnt"r O~( i.a CQltlQ m.1do-. TDic oNor ~~ rlJ'V_h...cd und rCJoctlJO by :1t':llr.t Oft
·SBII..ro ,.. 1,.1.» (OaCel
157 / 745
UO"C ct> U"t U~:Uttp p, 1 <:::
1~/22/2uoa 15:42 ~185~07S31 MARA ESCROW PA'3E 12

..J~'''' ~t .........t.1J~:.l.L LJ/,Nl\t:Aj
~'O 271 4B3~; SE~'22'04 3;5IP~j PAGE 10/15
C.1\llt'O(\['oIr"
"'~'()Cli\Tl0N
BUYER'S INSPECTION ADVISORY
Of P..r: .... J.'1 0 n..,:.'"
(C....R. Form BIA. Rov",e<j '0102l
_______ ~ ("Prop"rtY).
A. IMPORTANce OF PROPERTY INVf.SnCI\TION; Th. pnYZlcnl condi'i<>n of ,~" Innd Md ,mprov"ment" bcinn purm",,,;d I" no'
guarant~ed by Cltl-:IlJt S~!Jd( or aroker:t.. ~or this re':.H:.on, you stJould condUCt thoro~h irwcstig.a1ionlt of !hI:' Property po~ncHy and with
professiOnalS WhO should provid~ """\ten reports or Ihe.r Investigation•• A general pnpi<:;;31 ;",pection typlcnlly (1oell /lot cover ~II ~S~d'
or the Proporty n.r items ~lf~eting th.. ProPerty 'hat arc not phy.ICllny loeste<! on tne Property. If the profossiOMJ~ ,..comme<1d furth~r
InV~tllr~ttcn!3. i n c JuClir'l1 ~ reeomml"!nd:'\tton by ~ pn:u control opr.fmor to lr..ap~c:I ino<X:C':~~b'C!' .;l1"CQ&
Or t1'1n Property, yev ~hould contact
Qu~liflod e:ltparll: to ~Of)dUCl Suet"l ",,~oltlor'lCt' ,nve~tkJ6tlon$o.
O. DUYER RtGHT5 ANO DUnes; You have an ,ff,tlTlOlllv" dul)' II) e".,d<le re"~on"bI" eol'll to prulocl YO"'58Ir. in(.!uding dl)oov!1ry of
Illo '~gtll. ~'nctlalr und l«hm",,' 'mPI;Clltlon~ or discl<>sed ','d~. and lll~ Inv""~g"tion an<1 V0r,Oontton Of' Infom\~rlon und 11l~ 111"" yOu
~now or thl>t "re witI'lin your diCgent ;mention =0 Observation. The purcha'-' "srlKltTloot gives ytlu!he ''9h11O inue~igatll tl\lo Pl'Ope~y. II
you ex..rci,e (hiS rjghl ~nd ~'ou 'houlo. you mu:'lt do so in IIcccrtlance with thn t<lrms of th"f "9.....ment. This L" tho Dest .....a y for YOIl to
,rOT<l~t you,""lr. IT IS ,"xlm",,,ly ,mpoIVnl for you 10 road ..111 wril1en raport, provid~d by profe""ioniIJlS :;aM 10 d1~I:u" II'\~ .t>,ul\" o(
n~;pcctions Wflt' tho pr?fe~:rJol\''11 who comJuacd th~ 11\cpcaIOn. You nQ.... O lM~ right to MqLl~t lhat SoItor maJo.,r; (t:p.:''1rG. rorroctJonu or
~al(4.! o(J1Qf (Ir.:l>Ot"l Oq$~d ueO" Item6 di~vereo in youf ltl"e$l19ytlon~ or di'ScloSed t)y Softer. it SeHer l:s unwt.lling or lln.!1ble to satisfy your
'00"",15. or you do not want 10 purch:>s<: the I"rop<Sf1y '" its ~oJo.ed "nc dl5COV""'d con\lJllon, you have the tight 10 cancel lhe
'91'l'l<":flIent "you ~"t wlthi" .po;;cJnc tlm~ p ..nQda. II yeu 00 nOI cM,,~1 f/lO agreoemcnl In 9 timely ""d proper Mann..... roU rnay bO in
Jre~c~ or Cl)n'qlc::f
:. SELLER ItlGHTS AND CUTIES; Sellor '.. ~\Ijred to dl:iC!ose to you "",terial fllcl$ k"own to h~lh"r th.>t affect tho value 0'
10r••obJlity 0' 1I1~ Propo:rty. HO_v"'. 5ello. m~y nol b.. "w~r¢ or t1om" Prcpolty cofc~ 0' roncliliOn&. SeRer dO,,~ not hav" <.>lllig..tJo n ,or,
'0 inspttel tile property lor you. benelit not '" Sllllef c,bhS"'IQ" \e> ropillr, COlTecl or Othe1'Wl.., curt> knQWn dolectG tMt 0'" di:lclo~ed \0 you
lr pre~lausly unknown defe~ that are disco"""'d by you o'YDUr 1".ptJClors during .,.;crow. The oureh",,, egroement obllgJreS Seller to
"ake th.. ~loP~"Y allaJl"bl. to you for Inve.tig"tions.
). BROK.ER OflUGATIONS: erok",~ 00 not have ""l'ertise 'n all at""., ana Ihertrto'.. ""nnat adv~." you on many ilems••uct> .. ~ ooil
;r;>blli:)'. g8010glc or ~nv",anrnent<>l conc:!il;o",", ha;:.;or<!ouo or Illegal controllea SUt!S:JOnC<l';', SO'UCIlIral conditions o' U1e foundation ot O1her
mprovemef11s. nr ~h" c.o:1<:titicn 01 (I;" roof, plumbing. h",,\lng, all' """,<;Iit\of\ln~ e'edrlcal. ""wC(. Geplic. wa£\l:: di~'. or ?t~or cyolOlTl.
rh" onlV w:>.y to ,ccur"IOly d01ll1rmlf1" ,"t
conortlon ortht I'roP'!f1Y l':> lh"'''tln PIn Inoped/on by no l1PP'OpnDtlJ Ilroftoe<JOn;l1 ..IClCl<>d l;ly
IOU. II Dlok"r ~Iv~$ you ,nr"rr,,14 to ""en pror","'llonarS. BrokM o'o"~ not gw",~nt" !tIelr p<?rlO<TTlance. You m~y s!llCct ,,~ prote5S loMI
11 your choosing. In SdlJ<>.< Involvir)g residf'f1(I~1 dwellings wil~ nQ more than t'our unils, Brokers ".ve a dutY lQ rllllke " diiil:lcr\\ visual
n~pectl?n of Ine acce.s&lhl a ~r'(!l)~ 01 the Proparty en" to dl;ctoso me resulh1 of that inspedlon~ HowcYe1", a1S some Property d~fects of
;ondillon::; m:Jy not br- dl~covor ... blO from ~ VJ"V'" in:oJpoat,ir,;m. It 1. po~c.ib\g eroknfr> Jt(r(') not ~areo <if thom. II you navo .nt('lrcd inro ~
,",,!ten a~~err"nt .trlh a Erok"'. tho .p~ci1ie Ie""" of lhUT SQ'~_nt will determhe Ihc Mfure and c><tcnt or U1a\ Brol<Mc duly Ie you.
IOU ARE STROUGI.'( tl,DVlSEP 1'0 lIoNES'TIGATE "'HI! COKOfT'ION AHO SUITP.Wl.rTY OF ALL. ASPEc'1"S Of lHE PROFt:.RTY.U=
(OU DO NOT 00 $0, YOU ARE ACTING A ClAJNST THE AOVICI: OF BROKERS.
:. YOU ARE. ADVISED TO CONDUCT INVESTIGATIONS·Of' THE ENTIRE PROPERTY, INCLUOING, BUT NOT \.IMlreD TO THE
FOLLOWING:
1. GENERAL CONDITION OF THe: PROPl;RTY, 11''3 SYSTeMS AND COMPONeN1"S: FaundDtion. roor, Plumbing, he""i"g. nlr
con<;tjt:orIlO~. electricol. n\csChom~1. ~urrry. poor/np:I. «ner 'tfUCtVml :lnd non·stl\JC"(ur(l1 ~y.51em:J 3.oQ <::omponcnt"L. r.xtu(e~.
hUIIl-ln ~pphances. dny pC'3o"al oroporty Included rI1 til.. colo. ant! energy eflbency elThe Prop«rty. (SlruClur<l1 englnearG at" bo:st
svilc<llo "I?o\em>ine po~ble design or "o",rructlon dd.,,,,,,, and wnetl>or Improvements "It> r.t"'ClUr"'ly :;ound.)
2. SQUARI: FOOTA.G"'. ACe. OOUNDAnIES: Sql.l"f~ f00Y.'290. room dimon'lon'. lot ""'Ii'.
"llG or improvltrncnl:: ano bOundnr;",," Any
numurlCbI 't2ltemenl~ 'ClgarOln~ 1J',~" .. item, are APPl'lO)UMATIONS ONL'V and h....o not b""n vunfll'lO by Seller and caMe' b<;
voriflCd by BrOKers. FtJnc.:~. neagef-. WlIII:<, retaining ""l~ "na
oUTer nlItul'3J or constructed b~lflers 01 ml1~"" nOl nCOlO...",i y ao
Idenlify frU., P'oDel1y ho~na3';eS. (P",r".clonels s=h as: "pprais~, archll<lC\5. ~ufV"'Yo", .Il<l Clvd engln".".~ are be$t suited 10
dolorminll c.Qu~r. fool~Il~. dimenSion" onr1 counct,,,,i,,, nfth", p,.O~'W.)
_. WOOO OIOSmOYING PI'STS: !,,""~f)~ 0(. Or C(l1lO'llon~ r.Kely '0 IQ<ld TO the P"O"lJnoe 01 woO<! d".l1'tlyi~ ,,~.el~ .. nd olgBl'lig{fl/\
and otner In~SI"""n 0' Inr.c,ion. InSD"etJoll reports coverlll$l Ihd~ it\!Il1$ caJl be ocparale<t Into two ~ection$: S"Cllon 1 iaemiti~..
df,eC'lS whqfe infe:J:t&tion or ;n1cction Is ev;~< 31.octiOn 2 identit'ie1l .,)(f!'aS Vlf1er-l!!r lh~ are- coodifion!t Hkety to lead to infestation or
,nfection. A rCQlstemtj ~.truaurl:J1 OP.l\t c:ontrof compRny ~ be~C S.U.i1:~d tD ~erlorrT' th~b r"!i~etJon~.
ho e.o~yri911l ta~~ of !t'la UnlteCl Sl::lte:s (TJl18 17 U.S. Code) tOl1Jlct ttwI
~;I\J\I-rorcted r~nt~uqlQ" of thb. ~Ot"" 0 ( ;in')' gOf'tlcm U\f11160f, bol Pf\01DC'O\1Y
Ul~hlf'4 Of l'TI'\V cnt...,. rTlPCl"(\, jl'\r")v01nq I'nC!'llmIJol\! Qr ~mr:t\JtCllriJ:tld rOtmOlt...
B"Y"r""''''~t~)~
':~I~ln<W>l:«
{)/7J~
H~ t=J
.......pynO/1t 0 , ~/i:I' -:iOO2. CAt,.lJ='ORNIA ASSOCIATIQ.\I 0 ... HEALTOr~tao.
'C. ALL "ll(:HTS RfoSERVl'J

ItA RE\"SFO 10102 (p... aE 1 OF 2)
]l1=.e vOCWed bY - - - ' Oat~ d ~~
:-----:':-::-=~=-:--~-_-"'6~U~Y~F..:.R~'S
I NSPr,CTlON AOVISO.~Y~B~IA=P:..;A::.G=[,-,1,-,O~F.;:;2~
_ _-:---:-,=:=-_~~_-,
$."'~~/l
"'gonl: Nivle
Bro'oor: Glhet"Br1 & Grifflrt Re..1'fto~
(J10)4~~
13:J~
""0"'''
Fu; (310)
westwood &tvd.
Pr6~ UlllllQ 'MNI'on=4l.of.WO(Q
lo.-. .... ,..nClt.08 CA ~OQ~04
158 / 745
Oo~ 25 04 05l0Sp p. 13
MARA ESCROW PAGE 1:1

310 271 4~a4j SCr'~2-Q4 3:57PU; PAQ,E 11/15
'toPCrt'y Mdr~u:·. ~-:----...e.":.":.!-.!!:£~,:~f~.~~:'y~V.l CA ?O::tIZ ::.a.a4

{):lIe-: 'i<\J)r"""!',pc "__
I. SOil STA6IUTY: E,,;:<ten~ of fillOf' compacted soU_exp~nslVe or eontr"cti(\g !Oil. ~usce~t~·.rcty ~ .11pp"O., 6et11l11g ot' movemool
riM IMe adeqvacy Or dl'lllnllQe. (Geotechnical enginl!srs are be!lt <lIlled to delermJne SUCh conditions. cause:; end remedic,,)
:. ROO~: Pre$1=f!1t COnlJltlOf'l. ~~o-. 1I1C'u. ;uld (P.fTl6JnIl"t9 vsofvllifn. (ROQring CQnlr:letors art' bl'!nt ~lJlte.d to de1f3tmlne th.e~ c;ondftior'1S,)
t>OOVS~A; C,,,,,ks, IvaI<» 01 oO("RtiOM.! problQmo. (POOl contmeton> "'" t>e01 ~v,t<od to dutCl'mo<\o the"" condoMn•.)
WASTE DISPOSAL: Type SIZ'l, Ddequacy, ca~ fll'Id ~di\Jon of SC'l'ief end ~ptlC 5yJ<tel'ns and component., CQn'1eCllon to
~VoI"'. and applleable I",.'~.
t. WATEfl AND IP'UTE:S; WEll. SVSTI!!MS AND CO,,",PONENTl=;, W"let ""d ut~it;y ..... ajfablfily. uoe 'cSlric\lons ::>nd cosls- Water
quality. ;lIoequlJCY, <X>r'ldlli"n. "nd per1Q"""""" ofwell.yow= "nd eDn1llanen!:l;,
r:N'IIRONM~NTAI. HAZARDS: Po~ntlal en",lronmental hH2l>fd•• mcJudl"g. bUt nallimi\Q<f to, "",beSlOS. lead·b"OOd pllint ~nd olhef'
f~"d ~on:amln.,!ion, radon, mgth"m>. olh"f saso~. fuel ai' Qr <:t1emlcal stIlrage t:lI\~:., <:()(\Wl'l\ln~t->d '0011 01' Vlal"'-, n1:ldln:lous ..... aste,
\Y;u!.. (j~Pas31 crtO$. eleotromngn"t1c nelds. nud".... ~our""., "nd othar su!leI'"ICOOl. l1'"t9ri"I~, produds, or o>nditions (In<;lUdM1g
"'''k1 (""POrno. (0).-: Of oth4Jrw.ce). lunllJ.A' 0' cimil•• contlzmlMnlDj. (For more mformat,on o<'l m .."" (t<,m~ you may con~uli on
,~ppropri~lJ) prolesSlonill Of 't"t.t til" boo~lele "€rlVironm~"I:<J J.l"L"'CO: A GulcJe lor Homoowno1e, Buyer,;. Landlofd~ Dnd Ten.nJ.s,·
Protect Yo~, l'amJlY From t..o.-d in Your Home" or bom.)
O. eARTHQUAKES ANO FL.OOOING: Suscllplibility of the Proporty CO ~rthqu.Kl.<J.Ci.mlo hn:::nrd:> and prop..nG~Y or tM ;>roporty TO
nood. (A Co-oIOIl'''t Or c:;.,ot<>chnieol Enuln"", I. bl,ct ~ult"d 10 pro"'I<I" Inform,rtlon On lhesn condiU""~,)
1. fll'cE. HAZARD ANO OTJ.lEK INSURANCI=; Tn6 :w;>iJ.wlfiry 30<1 GCl3t of ne~~a'Y Qr d.""r"d ,nsuron",", may ""''Y.
It>c loeb,;"n or
the Propelty in ~ .olem.c. lfoQ<l or fire hazard zane. and ol/ler conditlorns, a~ch <IS thl> age o{ me P",p"l1y and the claims history or
the P:njlerty <1m:: 6VY'lf. mav affect me
;'lrl'lll~lity "n<l nee<! for eertain type:! of in'!u,ance. 81J)/er ;,noulCi "JIlllore IMutaf'oOl'l <>p\ioll'O
~",l) ~ t~i~ informDlion may nlfcct oll1.,r OocJUla'15. inolu/l;ng the mmovOlI allonn Md Inspectioll contlng"nCIC'~. (An irnw.lnce CQ<>nt
i~ bc~ ,u~"<1 to prOlrlde ",{orm;'l;o'1 on these cQl1<ln,ons )
2. BUll.OlNG PERMITS, ZONING AND GOVERNMENTAl. R£QUIREMENTS: P"rmil&. 111~P\ldtOnS. certilleate"• .tonin\? olhef
i'!ovemmental [,mlimiOns. f'C'o;1rieliOM. and requlremenlS alfllcling the current or fuhJr-e use of the Prope(\y, itt> <lovolopmem or slu:,
(8od1 ;nlO<Tnatlon i~ trvuilohln {rom "ppropnow govnmme~t;.1a!l..nclQ, o.nd prlvale Infom'lOtion providO",_ Hrolcel'$ :<IP flO! QLgJjr.,d to
fG-vi£-W 0" 'nle'p~e( c'Jny such InfOrrrMflon.~
3, RENTAl. PROPERTY ReSlTRICTIONS: Somo ",ti~ and Ollun~e£ Impos.. ra"lI'~on$ Illal Am It Ille amount 01 rent thai can be
ch:lf9G!d. lI'Ie maXlmom numb", Of cOCtlpanlS: "nd l!'I<> rigttl of" I""dlor~ to tef'T";""t<> a t"nancy, D"odboa or athel' IOQ'~ and securit\!
o;.v~ lor doo"" MO IrJiI'lOOWS, ;"cluding WIndow b'll" ••nould b(! ",,,.mlne<! to dr."'m'I'ne wMlI'<>r lh"y ~tlsly '''Q.,I ~ulrcme"\:5.
(GO\lOfnmont ""genGl~ can ~louldOo In(ormatlon oJ.bQur th~ ,.<-':.tMetior't: lind ilthnt '"qulrr:mcnt,.) .
4. Si!CURIlY AND SAFETY: State ""d local Law may requJro the lnstallaUOll or barriers. 8 = ' .alarm:., se1f-laIc;hlng mechanISm.
!lndlor o\N?< measure. \0 doc","t-o the risk 10 ch~CIfen and O!/'lo, peliOnS of exilOl1n9 "",Imming pool' and hot \l.ibo, a" well ~$ Irarlo""
fire 00f~ty "nd alM( mc,-,sufC. co'1""mfng olher features of tho Prollefty. Complianee I .. QlJiremMtt diller 'rom cily to cltV and counly
to COUl'lty. Un"'."" ODt'O{IClIliy nQroed. the Prope/lY m::>y nol btl to comphonc,", with rhO~(f rctlU1romcnt!:. (l.OClJl go""rnm"nl "!l"noo»
""" prolri<:le iOlorm<JllOn "bout Ihe.e re.lnction~ 'Inc! oIh"" ~ul~mlrnt.·l
5. NEICHBORHOOO, ARE:A, SU90JIIlSJON CQNOmONS; PERSONAL "ACTORS: Nelghoomood or ...rea condition", including
schoof:s. proximIty "nd ~rllltqvCJCY oIl;nvo CtVOrc;.etn.,nl ctirrhi! st.ati~ti~, tho PfO.urntV o( nrgi':lliteted fp.lon!) or offenoeJ"5.. fife prQtcc:tion.
r
OIher !loy.. rom"nl ~Cf\I1CC~ I'vD,I':'Dillty. nC1eQ\HillC)' ~fIO CO<rt of :4f'rY . ~~~. wr~\ot." tl'lte!.,~\ conn.r:Ctlr)~ Of olhO
k-l~c;;ommvnb'IOnS Of O(t'lor ter;hnology ~ervf~t; ~nd ll&bt~Ucm3. ptOXtmltv tQ co.",mA~CI~I. IndLJbtrWl or a!)nt?Ultu~. acUvlJ/ch,
ex;anng "nr;j prQPoe-eO tran!'pcrlaJion. construction ""~ de.elocment mat may plf"et MOIS<!. VIEW. or tr.>lIio, >llrport noISe. nOISe or oder
from "ny sourctJl wild ;a"d domo~,i:.; ;)f1lmaIS. othor m.J1&9fIce~. ru,Xlltd'llt of eJrcunut.mces. p,otec(Qd apeclas. wetJand propertJle'/!:.
t>o\,~"icnl nL,,,.=,,.,
hio,;tonr; Qr 0'11",
9011t>rnmon{;llly pro...,<:!od "it""
or Improvement!>. ""mfHenc~. fnllll~i()~. ;'Inti condition of common
areas or common u~ttMO~1 'Oubdl~l~jO.'HI. of'\Cf P06SJtlie facX of "~:)lnpli.,,ce v.rith en)' governIna cfocum~n~ Of' Homcownun;t AAi,;oo3110n
(¢qf"J~emenb. c(llldi,lons and Inllu"noas of sign,f.c.anc:e
prcfcr~ces 01 Eluyer. .
'0
cert:;Jt" wllUres ~ndlof religIons. ~nd personal need$, rcql1lTCrncnb cmd
159 / 745
p. 1 't
!-''''<:j~ 14
3105507531
PAGE 12/13
Ct\t.'l'r:Of<.NIA
WOOD DESTROYING PEST INSPECTION AND
" S >0 C f r. T l (J N
OF n.._r,"ItTO~... 1II
ALLOCATION 01= COST ADOENDUM
(C.A.Q. l'<>lt'l WPA. Rc-JI-...l iOlO21
T:1I:; is an aocl~r;Clum to l'1e (Z Caillomie ResiClential Purchase Agreement Of 0 OLher

" (JAgreemont"). dBteo ~·~,P12r.f'1N.J':'7' 1, 7004
on prOp",rly known ;)" 3coO S, p",c~ 0r:..~~::,~tiz...JJi.}, ...I_~"I_0~2~Z",_",? _
CPrcJp€r1y").
________ _ _ _ _ _-'11.:.:"-:>.':!.V'=.i.!!"~$,"R!t_~"~"~ ~ cBuyp.n
____ ,10'!P"h f:"'J<P£,_______ ("Sp.llc~,
THE "'CLLOWING SHAU REPLACE 'HE WOOD DESTROYING PEST INSPECTION PARAGRAPH (4A in the Califomb
Residontl",l Pu,,::h<>:;e Agr~mont (RPA-CAl) and ~MII ,;upor<:coa [lny <:anlhcting terms In "ny p~ou4ry-9"n"r.11",d
"9reemel'\\:
WOOD OeSTROYING PESTS

A, 0 Suyer C& Selier ~hllil poy (or :1 l-'~ CorWOI ROp<)1t for wood degtroy'ng Pt:$tr. nnd orgllnl"ms only ('Report-;.
ih" RilPCHt "Nlil be prep,,'ec t>y S.. ~:z."r" abo! "" . " regi&lt!md :ltruclura\ Petit
control ~mDany. who shalf ~"Pi'r-~te itle Report Into rect!oJ1!: for <:videnllnfe~lQn or infection (S~jon 1) ~nd fOr
condiLionS I'kt!ly to lead to ,nfelllot,on or InfectIOn (SPoc;tion 2). The Report "hall cover the rnwn bUlIOin(lllnc! atlllch"d
~tr-ucrU(fj~ imd. if c/locked: Ci: cfetaci'led penlgC$ and c:Jrports. [J d"t.ached deck», 0 till! foIlowinn oth",r :structure~
011 the Property: __ .. -..,-.. _____,,___,,--~.,-----_ ___,,--_:_.-------~~_:_-
Tl'\e Report sMIl not includ t:' roo! covC!rmgs. If the Property is ~ unit in a conclomln.t.Jm or otno r commol'\ InLmost
:;ubdiVJs,on the- Report sh",11 include only me r.epllnlto iot"r,,"l <Jnd ~ny ""clusjv~"">l" ~lr'~~ b",lno rmn~Terrlld, GnCl
shall not Include common area"- Waler t.e$t:; of shower p3ns on uppar level unils may not be pecformed unle5s !he
owners of propetty belOw the show~r consenl If Buyer reqUestS in"l'cetion of in;>ccessibl" areas, Suyer sha". pay for
thIS' co~t or entry. in3pllctoon ... ~d clOSing for tl)OI:.C 3,,"an, unlot:s oll1"rwt".. :o>greed. A writ~ PO'lt Control ClllltirtC3tJon
Chilli t)e )ccued prior to Close or e""row, unlo5S 01n~i::e agreod. only if no infeslatlon or IOft:Ction Is (ouod or If
requlrPd co'rec\l"e wOrK Is completed.
D_ (SectIon 1) CJ Buyer ail Sellcr shall pOly lor work recommend<::ct 10 corrcc~ "Section 1- conctlf,ons """cribe" in lh"
Roport ~nd tho COSt of ;n:1peetlon. c"try and closIng of those inaccasttible are"" wht"re 2ctive intest3tion or Infection
I:; dI3COV""'d.
(S..ction 2) ~ Buy'" 0 5"II"r cn<ln pny tor \Vorl< rccomrnefided to correct "Soction 2" conolt/on$ describl?d in !ho
Report if rcquC6lecl ey Buyer.
o.V slgnlJ'\g Delow, mt> undc''''9l'\ed ;l.cknOwleClge. U'lat each has read. unller«t:lnd9 and hall: recaived a Cbpy 01 t1l1~
~ddendum. .
::,::,_ _ ~;:.O_O_'l_' _
JO.1ttl z~
3uyQr _ Se:~cr
-"e l:.'C"fIQflI n:s1Alto o~tr-"I)I~ .. ~ ~j.!h~' 1:Tltlf.1:' I}.r.. e~I1'\.X11it1: It\eu~n::E:r:d~~(;t..... (G:rn, Q(onv~~. b-J ,nc,OCl)py m,C'tm. vT ~fl'Y'r.1t\Q( tTh!If!U
rdl,lalng U1e~mlfQ or ~""O.III!II.(oQ !c,mr.t$. Co:Jy"O~ Q :lOO2:, CAU~OR~rA ASSOO"'TlON OF REAl.TOR:SSl. INC A.l.1. NIGHTS Re;et:KVL'O.
'HIS ~ORM "'S B'£'" """Q.QV!;O 0... ~,,~ CAUFonNlA A~OCIAT'ONOF 1lEA~ TO><~~ (CAI(.l. NO ReP'll'$CNTAOOJol IS l'AD1: liS TQ n<r. L~cAl. VALlDfTY O~
\uCOUAC"i Ot A~Y ppavt.:1Q1t,j IN .viY 3P1cClnC mAHS,A.C'nOli. 1\ A-C,AI. r.nTJ\~ Ol'tQ1<r.1t ,,~ THe l"1i1l.!;ON OVA,\,.U If 0 'TQ ~OV\r.;: "N pI.CAL r.,3.T'jI,1'C
"I'VV'JSACTtON;;' ,t' . . eu ~t::'I~ 1.f'iCAL 01=: TAX ADVlC.e. CCIN:\uLT "N A,f~(OPHlAn.;. PH()F"'~;SIO/'£tU
"~,.!"", toml ". olv~IIQle r"
u.e lrl ;no ctt'-'o I\!el C~EJtI,. .:l,Ol.n.uy 11 I": "0' '('~I'4~ ~ !dclUlIV 1"'\' UIef" llII II REALTORt!. k~ TORe to ,., "9.1~ GOHeC1r\1'e- memo.e,tlI'lf~ '"-I!o')j
,l"Ilcn rn.;J'/ b(-lJ3eQ O";Ty '".1)' m",..,tHlrr. ot II'.
NA"j'ONA~ AS.'OCtAiIOlll 0" I'ltliii.ALmR$3)~otJJ~ to Jh CoOt of E'.J'oCL
St1f~l-r.-~
~ •
'"
/'"u~".~·dbvth"
~~ Cn!I~Of'rl!ft AeooCl~IJl:l'''
......,
-
/IfI' ,"r~ .
C1 R~"L rOR~
.
I RQVlolfllClO rIi \)ute =-.J
€l
~~=
YPA ~ISEO lQ/O~ {PAGEi' 101' 1}
_ _~OO OeStROYING PEST INSPECTlO"l AND ALLOCA11ON OF cOS. Aonl;NOUM IWPA PAGE; 1 OF 1)
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160 / 745
Oct 25 04 as: 10" p. 15
HJ/22/2Eltl4 15; 42 ._3fe5~a7531 Wl.RA EI;CP.CJ,ll PAGE l~

~'U ~/' 40 3<; SE~.2~.04 4:00PM; PAGE 14/15
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ADD.E~L>!J!\110REAL EsTAT£ PURcH.... ~P. ACR.El:Jl4ENT
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161 / 745
HOW ONE PURCHASE
.AGREEMENT BECAME
INTO THREE
Fax Transmission of Pages 1/8-8/8
October 22-25, 2004
I
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I #1 #2 #3 I
I I
Fax
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Mara Ilax ~ I Park?/Samaan? I.
,10/22/04
~ I Countrywide I:
10/25/04 / I
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2 0 0 4 ' ~, I
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:
.2007
I #1 I I #2 I I #3 I
______________________________
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162 / 745
s
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,,111 b"1
R£SiDENTlAL BROKERAGE
REAL ESTATE TRANSFER DISCLOSURE STATEMENT

Property Add,,:>s ---'---. ;rn-
THIS DISCWSURE STAr MENT CONCERNS THE REAL PROPERTY SITUATED THE CITY OF I~ '~L"~,
COUNTY OF _ _, _ S_ ,~ , STATE OFCXUFORNlA,
DESCRIBED AS _ .1... ,,---...,.--,--=
THIS STATEMENT IS A DISCLOSURE OF THE CONDITION OF THE AjlOVE DESCRIBED f~P~RTY IN COMPLIANCE
WITH SECTION 1102 OF THE CML CODE AS OF &»o~l...i, , 20....Q:-\.. It IS NOT A WARRANTY
OF ANY KIND BY THE SEUER(S} OR ANY AGENT(S} REPRESENTING A.....' Y PRINCIPAL(S) IN THIS TRANSACTION, AND IS
NOT A SUBSTITUTE FOR ANY INSPECTIONS OR WARRANTIES THE PRINCIPAL(S) MAY WISH TO OBTAIN.
I. COORDINATION WITH OTHER DISCLOSURE FORMS. I
This Real Eslale Transfer Disclosure Statement is made pursuant to Seer ion 1102 of the Civil Code. Other statutes r¢quire disclosures, depending
upon the details of the particular real estate transaction (for example: SpeCial study zone and purchase-money liens on re.,jdenrial property).
Substituted Disclosures: The follOWing disclosures and other disclosures reguired hy law, including the Natural Haz.ard DisclDsure
Report/Statement that may mclude airport annoyance.', earthquake, /Ire. flood, Dr special assessment informadpn have or will be made in
connection with this real estate transfer and are intended to satisfY th, disclosure obligations Dn this fDrm where tHe SUb;~Cl malt~r IS the same.
C: In'pecrion repDrt completed pursuanr to the contract of .Iale or receipt for depo.liL
AddilionaJ inspection reports or disdosures: --------------- ---------+--
SELLER'S INFORMATION.
The Seller dlsJost:5 the fuUowing information with th~ knDwledge that cven though this IS not a warranty, prospeCtive Buyers may rely on lhis
information in dr:cid1l1g whether and on what terms tD purchase the subJect property. SelJcr hereby authorized any agent(s) representing any
prinClpal(s} in this transactiDn to provide a copy of this statement to any person Dr entity in connection With any "rIal
or anticipared sale of the
property.
THE FOllOWING ARE REPRESEl\lATIONS MADE BY THE SELLER(S) AND ARE NOT THE REPRESE.."HATIONS OF
THETGEN}, IF ANY. THIS INFORMATION IS A DISCLOSURE AND IS NOT INTENDED TO BE PART OF A.'lY
CON BETWEEN THE BUYER AND SEllER.
Seller ~__ is .~ is not occupying the ptoperty. r
A. .~._.h
_ n
bject property ha,§ the itcm5 check..Aclow (read across):
~;
. _ .
J crowavr
:::lZn..s ('Almpauor arbage D;~pos.J
--
:::.
w;uher
lasher/Dryer! lookups
'=~Bur ar Alarms -,- . moke DereclOr(s)
=
'
Rain GUllel$
::::: Fire Ajar .
=. Antenna
= :J Sa lIire Dish ~ lmer m ,
:~. nrral Heating
:::' 'all/Window Ajr Conditioningt.\() f~kJers
:?r~;';:~
~~ ~.~~L:-\~~
e a1 Air Condirioning
~,.u.-t
:::. porator Cooler(s)
- ublj( Scwet Srmm
.- Sepm T>.nk
r:: r.rio/DeckJng
'= S.unaTub
= Pump
=
Builr-.n B.rbecue ~
'W.m Softener
G=bo
,_ HOI -~ l.ocking Saffry Cov,r" '~_-

.. Pool :::.: Child Resist.nt Barrier" ckJIIg ,: Safety Cover"
:J Security Catds) _. oma"c G.rage !Joot O~ner(s)' ber Remme Controls _
G.arage: [J A[t.ch~ - .. nr Attached uparr
Pool/Sp. He.[cr:~..l' C SoL" .-_ EI,c[t1c
-V;'.t,r Heater: _ :::.: Water Healer :\nchored, Braced, or S<rappcd"
c:: Well
~
Iate 'Supply:'c Ity , ~ Private Utility or Orher ~
G upply - 'tility :J Bonlcd

- Window Screens ~fl\~~v 2 Window S,curtry B.r :_ J Quick Reb". \ifchanism
on ikdroom Windows' (·Soc p.~e 2 for note)
I! (gl1S11ll1!el PIIJI1 I 01 3 Fggel.

' I- - - - - - - - OiFI[f USE ONLY - - - - - - I
/_-)
~oyBlIlh ",ileI~,... D<71t:.:...c=====d
REAL ESTATE TRANSFER DISCLOSURE STATEMENT (PAGE 1 OF 3) BROKER
163 / 745 0061
Property Address:
2. CONTINUATION OF SELLER'S INFORMATION

............ 220 Volt Wiring in Fllepiace(s) in
_:n:~"-,L£or:==-+I-,---~-,,,lA--,--rr-,----- .Age: \,)~""~ (approx)
Are rhere, to the best of vour (Seller's) knowledge, any of the above that are not in operating condition' YdffN"o
If yes, then describe. (Attach additional sheets if necessary.): ~ _
B ~e you lSdl~ware of any significanr defects/malfunctions In any of the following?

~o.
, _ Yes
LJ J 1l<ofIOr
L-: Driveways
W~1s = C~lling.s
c; Sidewalks
=
If yes, check appropriate space(s) below.
Floors Q Exterior 'X·.II, ,---' TmuJ.tion
~ W:l.1I,/Fences C EleCtrical Sy'tems
.=
Roof(s) ~ \lV",dows __. Door~ ~- foundation iJ Sl.b(s}
~ Plumbing!Sewm/Septics ~: Other ~t~UClural Components
(Describe: _
If any of [he above is checked, explain: (Attach additional sheets if necessary.);
• ThLS &",~.g( door optnf'r 01 .:hdd rcsisum pool barrl(:( m~y not bt In <.:ompliilncr Wllh the 5o.lfrf)· ~t~J·h.iard1 rtl3.C1ng, tv ~UlomOiltc. r('"'Vt'Tilng de-.'lst"! all('T forth Ln CnlqJtt'r 11.5 (romrnl""ncint With Secclon
198~Qj or or
of PUl 3 JI"vi1lOn 1.3 of, or ""lth Iht poo; ~rf)' J(.nd;Hd~ of Ar1lCle 2.5 ((Omm~nC:lng wlth .)culon I : SCJ2D: of Ch~p((r ~ of r.ct 10 DI\'i~lon 104 o[ ~ Hr-1\d'1 il.Od S..fery Cud<. The wattr
he~:cr ma~ no, lK Olnc"nored. br;l(~d: or m_ppcd In _(cur<:uncc with Secflon 192\1 of the He~hh .md 's.Jcry Code. W,ndo.... $('CUTIty b~fS rruy not h:;l:v(" qUick
\l)l)'S Edition of (he: Cllirornl.l B\llld:ng S,.wdards Code
r,,11 rr.cchanism1 lJ) c:ompliam..c with lhe
c. ArC' you (Sdler) aware of any of the following:

I. .Subst.. nces, marerials, or products which may be an environmental hazard such as, but not limited, ro, ~
asbestos, formalde-hyde, radon gas, lead-based paint, mold, fuel or chemical storage tanks, and
conr:uninared soil or water on the- subject property. . . . . . . . . ~." Yes ZN.O
--
2. Features of the property shared in common wirh adjoining I..ndowners, such as walls, fences, and ,
driveways, whose use or responsibility for maintenance may have an effect on the subject property. . . _~ Yes ~~
3. Any encroachments, easements or similar matters that may affect your interest in the subject propetny [J '(p,/~No
4. Room additions, structural modifications, or orher alterations or repairs made without necessary pCrmits ~es 0 ~
5. Room additions, strUctural modifiorions, or other alterations or repairs not in comphane<: with building codes. ~. Yes ~
6. fill (compand or otherwisc:) on the property or any portion thereof. . . !. . _~ Yes '~
7. Any ~ettling from any cause, or slippage, ~Iiding, or other soil problems. . . .. .... .. '~;-.-~l!6l-.-~
~es~ N00
8. Flooding, drainage or gr..ding problems. . . .... . ... II [ir N
9 Major damage to the property or any of the structures from fire, earthquake, floods, or landslides. . I es ~
10. Any zoning violations, nonconforming uses, violations of "setback" requirements. . i Yes .~.
lL t-:eighborhood noise problems or other nuisances. . . . . . . . . .. ...... ... 5 Yes
12. CC&R's or other deed restrictions or obligations . . .... .... ...... .. c: Yes ~
13. Homeowner's Association which has any authority over the subject property. . ,- Yes ~:....., No
14. fuly "common area" (facilities such as pools, tennis courts, walkways, or other areas co-owned in ~
undivided interest with others). . . . . . . . . ... ........ !~ Yes
z
L > N00
15. Any notices of abatement or citations agalOst the property. . . . . ~ Yes
16. Any lawsuits by or against the seller threatening [Q or affecting this real property, including any lawsui ts
alleging a defect or deficiency in this realJ'rope~ or "common areas" (facilities such as pools, tcnhis
courts, walkways, or other areas co-owne In undlVlded IOreresr With others) ,_ .. ~ Yes :-~ No
~ If the answer ro,,;u:~. \.h$.Se is tach additJ9n~ ~h.\"ets if necessa Q~~ j:\w D M£.Tf\L-
'J p..~~ ~~~ 'f"'~LG-lIL/J.l...f.
e best of the Seller's knowledge as of the dare signed by the Seller.

\~
.'idier Datt
/7
of cOllY 01 Th~ page, wtJjth~oosn
~
SWQ
fMe1PI 3PogtS ,----~--- OFfICf USE ONLY - - - - - - - .
BuytI'llniluJ~ : )el!e'\IMIais ( 1 : i
we' B.u1' ~ HuOlJ,,~ Opporr\lrllty G) ~,Itd '-0 'c:i::.:""..:wtd::.::...bot::..:::Bi=::...:.~.::~==-=========-~======~
....
REAL ESTATE TRANSFER DISCLOSURE STATEMENT (PAGE 2 OF 3) BROKER

164 / 745 0068
3. AGENT'S INSPECTION DISCLOSURE
(To be completed only if the Seller is represented by an agent in this transaction.)
I
THE UNDERSIGNED, BASED ON A REASONABLY COMPETENT A."l'D DILIGENT VISUAL 'INSPECTION OF THE
ACCESSIBLE AREAS OF THE PROPERTY, STATES THE FOLLOWING:
tZf
Agent notes no items for disclosure.
SAgent notes the following items: _
~~~~=-------- ~ k/!72~~
~,(f;, .~"~B'".'" \,~n,,"" ,
--=- !()-~y
D."
5. BUYER(S) AND SEU.ER(S) MAY WISH TO OBTAIN PROFESSIONAL ADVICE AND/OR INSPECTIQNS OF THE PROPERlY
AND TO PROVIDE FOR APPROPRIATE PROVISIONS IN A CONTRACT BElWEEN BUYER AND SEU..ER(S) WITH
,Itu ~~_' __
RESPECT TO ANY ADVICElINSPECTlONSIDEFECTS. I
~~ ;;~ENf.
~, ~
__ _ _--+------"'-.,_.. OPYOF THIS
@ ,
;:-------,,-----------~---
$(11(:1
SECTION 1102.3 OF THE CML CODE PROVIDES A BUYER WIlli THE RIGHT TO RESCIND A PURCHASE CONTRACT FOR
AT LEAST THREE DAYS AFTER THE DEliVERY OF THIS DISCLOSURE IF DELIVERY OCCURS AFTER THE SIGNING OF AN
OFFER TO PURCHASE. If YOU WISH TO RESCIND THE CONTRACT, YOU MUST ACT WITHIN THE PRESCRIBED PERIOD.
A REAL ESTATE BROKER IS QUALIFIED TO ADVISE ON REAL ESTATE. IF YOU DESIRE LEGAL ADYlS£, CONSULT YOUR
ATTORNEY.
0069
-!d-ll\-Br-oI:.-'0 -'~-""""--- OfflCf u~ OIl1Y

1·1..... -DIJ!-,'-----
165 / 745 REAL ESTATE TRANSFER DISClOSURE STATEMENT (PAGE 3 OF 3) BROKER

~
~
RESlDENTLAJ. BROKERAGE
SELLER CONTRACTUAL & SUPPLEMENTAl STATUTORY DISCLOSURES
I. ~<cllcr foll~ng ndisclosures with regard [0 the real property ~m~n~a~u;~me described
;,., ---'..L~.....,~__=_---'~~=----...:'fL!OO::!~~~-k~~---------- siruared in ' . _
Counry of lO<>
~L..(-& ,California ('Property").
!
2. Are you (Seller) aware of any of the following' (Explain any "yes" amwers below in G.) ~
A. The Property is a condominium or located In a planned unit developmem or orher common Interest wbdfvision ~: 1r" G~ No
B. Insurance claims relating to the Prop"rry within the past 5 years... . ~es C No
Some' insurance companies have stopped writing homeowner's insurance policies in California as well as in ather states as a result of the
increa.le in claims including mold. Many insurance companies will nat write a homeowner's policy on. hume that ha.s had any mold or
wate'r intrusion claims within the last five years or other claims. Obtaining homeowner's insurance m.y be difficult, if not mar" expensive,
where eich"r the seUer or the buyer has mad" any claim including mold and/or water intrusion claim within ch" la.st five years. Sellers
should disclose 10 buyers all known insurance claims regarding the Property within rhe last fIve years ..nd nee~ to detail all past or present
cl,ums including water intrusion problems, even those that have heen fixed. Buyers should assure themselves that homeowner's insurance
can be obtained on the Propeny prior to removing their inspection and/or insurance contingency. Sellers bay be able to obtain this
information by contacting their insurance agent, or gOIng online ar wwwchoicetrust com Coldwell B.nker" however, Glnnor guarante"
the accuracy of the informatlon provided by elther (he sellers' insurance agem or (he website service. /
c.. Wllhm the last 3 years, (he death of an occupant of the Property upon the Property. .. .... . . f . . . . .... L:: Yn ~o
D. The follOWing disclosures (D (1-4») are made based upon Seller's knuv.ledge or -:::; (if checked) will not be made on thiS form~
an
II1steaJ wIll be made on an Independent third-parry repon: I
I. ~'hether the Properl)' IS located m a lOne or dlstnct allOWing manufacturing. .. . ...... .. [1 Yes ~~
2 Whether the Property IS located In .. LOne or district allOWing commercial use .. .~ Yes ~~
3. Whether the Propt:fty is located in a lOne or district allowing airport usc ...... ~-= Yes ~t>Io
4. ~11ether the Property is located Within 1 mile of a former federal or Slate ordinance location '.J Yes f}(~J>I6'
E. The Properry IS affected by a lOne or district allowing manufacturing, commercial or airport usc i..... LJ Yes ~N6
F The release of an illegal controlled substt!f on or beneath the Property................................... ] Yes No
C. Explanation or ~ (if checked) see attached f fr~i"f; ~ (jf,.f) ~ ~ OQJ.\ ~ • tJoltf t1
~floI"",\\ 00 1'0 Pn)N~ '0 ~Ob L-~
3. Seller represents that the informacion herein is [[ue and correct to the best of Seller's knowledge as of the date ,igned by Seller. Seller hereby
authorizes any agent(s) representing ..ny principal(s) In this transacrion to provide a copy of this statement to any person or emity in connection
with any aoual or antiCipated sale of the Property. These are represent;ltlOns made by rhe seller and are not the repre.>cnldtions of the agem(s).
This disclosure is a w amy of any kind by the seller or agent(s). Buyer is not to soldy rely on said disclosures and should inspect and
investigate to s ISfy themsclv . A real estate broker is qualified to advise on real estate transactions. If sdler or buyer desire legal advice, consult
an anorney
,)dle(
4 By slgnmg be o\\l(7each buyer acknowledges they have read. understand, .ccepr and received a copy uf tillS )eller Contractual & Supplemental
Statutory Dlscl~s form. (/ ~
(9 Bu.;'er
1( M.t "W~ /U/l!J-l
Daa Buyer D:l[l:
Cij1 l\ADcLt_ 2tni~g.... _.~ \,x\~\\
5<11"·'.'.g<ol ~
0070
Buyrr's ."'-gent DaH'
r-------- O'f,er lISE ON~Y - - -

~~ ,,010,. 01 tJ<1~ 0t1e
166 / 745 SELLER CONTRACTUAL & SVPPLEMENTAL. STATUTORY DISCLOSURES (PAUE 1 OF 1) BROKER
~
~
RESlDE/I;TlA~ BROKERAGl:
AFFILIATED BUSINESS ARRANGEMENT DISCLOSURE STATEMENT

To: ConSllm~r 300 ~ ~ ~
hom; Coldwd! Banhr R,,,dcnti.J Brokeragc
Thank VD~ for contacting lL<, your 1001 Coldwell Bank.. R.. idenrial Brok.,"g' ol1,(e (hcreJrl.ft<r Broker'. In (onne"tion vmh the purchase or ,,jJ, of " home or other property
ThIS i~ 10 giv~ you n<Jticc: th.u Broke h~ J. bUSInC5s rda[ion~hip with tl1(' compJ.nJc.I, !lSICJ Ifl Om Statement. If': thJ.f COl..:h o( the lomp4ni('~ IS wnoll~ ur p.rtl~ly ownttd l:aher
directly or jnunced)' hy Brokrr or b~' Crnebnt Corpor3rion. Cendanr Corpor.ulOn IndITC'crl)' wnol!y owm NRT InLOrporolled, • parem L:omp.ny of your local Broker a.nd other
b",kerage offi<e' ,hro~ghou, ,he nation. Cendwt Corporation aho OW", the franch"or 01 ,he C<li UWELL RAM:, K". CO_[J'X'ELL BANUR CO,'.\iF.tcW·, CE."JTJ.;}l)' 21· ;md ERA·
~~"HCm!i. BeausI:' of these rd.;aTlonships, the: refernl of busmes5 w these companlo mar proVide us. aUI employees or mher rd~ted p.rues nOI~d h~r~m II fin ... nei:iLl or other lx'ndlL
We will nOI be p'ld • referral feo .... r"""h of wy refemJ to the non-real ",." brokeroge camp.n""
In conntction with providing rea.! ~t:HC brok~ragr ~r¥';C(S, Broker may rtocClvc a comml5SIon or Ii CDOpCr:H.vc trukcrJ.ge rcfcrr;u fet' for;l. referral ~o .anorher reaJ CS13CC brokcrligt
('ompany (which I~ rypicaJ 10 the ra: e~talC' brokerage lndu.~j[ry); however, this wiU not ..ff(ct tht .J.rnount you poi), [0 purchilSe or scll a propury I
We h.v< >c1 fotlh below the full "nge of ",,,ices that these wmpanles prov.de. .Jong with ar eHlmate of the "nge of chorges generaJly m.de for:lh= 'erYices. You NOT =
required ro u>c ,he Ii>tcd companles;u • condition of the purcluse or ,ue of your plOperty. TH ERE ARE FREQUEt"TLY OTHFR SETTLEMttNT SERV1CE PRUV1DERS
AVAJLAIlLE WlTH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERl\.\\M 111AT YOU ARE RECEIV1NG THS BEST SER'v1CES i\.,'JD THE
BEST RATE FOR THESE SER\1CFS I
CoMl'l\.Nlf.I HUD-I DESCRlf'llON/uNE DESIGNAnor; EsnMAIT ~F RA."OGE OF UwtGI'.S

G~ MADE BY PROVIDEIl'
unduu MortpIC Co:x.;:<atiOIl' Fin, Capital Loan orlgJn.rlon fC"c IS01} o - 2% ur !0J.0 i1mou~E
CoCPOnlUOIl and/or Co dwdl Banku Monpgc Low dncounT fc:e/polnu IEUZ) o- ~C';t or iNr: ;;;,mouQr
ApplJLilJOn ft.c: (800 Scrll::s) L $0 S4\O'
Provides. full range of resldenri.J Em mo"g.ge lo.n
produru and ~rvilCS.
Mid-&chan~ Inc. Addlllun;J utTicmml .:h;;lt~rs (1300 ~r:c~1 S"'OO (or om rc!inquetcd :.lnd one rcpLiccmcnr pTQpcrry;
52)0 for c.ch. i1dd'll properry Addillon';u fees may
Acts ... " qualified Lnlermed",') for I RC 1031 Tax .ppl}, depending un sill' of tf;"n~rion
Deferred Exchanges
Property J.D.' California AdditIonal st'uIC:n1cnl ch:J.rgc:s (1,300 St'f ,t.sl $20;0,1:49 i
and/or Property I.D.· U.S.A. (V;HIC~ cicpcndtng on Vu: ~ of rcpon rtcjue$lcd and the
mC'rhoo of p"'ymcml. I
Researches and provides. pored-specific report
4(.cur;;udy disc..loiing intormauon to :. huy~r pursu.nr
to .pplic:lble I.w•.
BUlt'UW Esc""" Servia>. Proveuivc lid. St"alemcnlfC'Krow (. lUll on.
Company- Watland Eoauw Division. Warranry S100,000 ho~ BOO - $525
Escrow Company. IDe. and/a, WeR Coast EsClUW. S250,000 home S500 SB()O
SSOO,OOO home S900 ' SillS
Provides expert h,"dl;nt; of.ll delails in transferring ()ocunw:m prcpar.anun/procri\lng fres (I :05: SO· ssoo
the: pro~rry in .ccord.nu with th~ real Orale' contract
Equity ·lid. Company Purchuc of ownC'r\ or lenders pollc)" (; 108·; 110; for
SI 00.000 nom, S<92, S7j3
Provtdes ""chcs of publIC record, ,h.l bring to your S2S0,000 hom' S643, $1.234
menlion ,"y known problems with the property', title S500,000 hom' S990 SI,'XI2
~)~forc clo.stng, and Insure ag.ain~. loss dUl" 10 ccn:2in PUlchuc of lender's pOll')' ~,mu',I.anr()u~lr I~~ucd
tide defec... with buyn'i policy {J 108·11 i 0; tor

S 100,000 hom. S281 ' H4.
S250.000 hom. S388 14'\
HOO,OOO hom' $537. koS7
I. Acm:u chargo may vary accordjng 10 th~ particular circulTlsunct~ undC'rlying (he tr ... n~2<..·(IOn, includ;n~ (he home v.!ue, covr:ragc and lilmm,. other r('qunlcd [~rms and
services. unu.su.J m.rket cunditiOlu, government regulation>, pIOperty location .od feotules .•nd other "mil", I'Ctot! KalC' m,y not be ,hr lowes, avail.bk .ndare ,ubjee!
to ch'nge. rOI • free, flU ubhg;>llon quote, pl= contact t~ camp.oy directly. \)I'here requJrcd b)' ,we low, current rate, for ,mu"nce arc f,Jed With the 'pplrable '"''
..Igcncy... nd depending upon the circumsLanc6. may vary (rom the rates shown ;,I,bowe
2. The lu.1O dl5counr fee/points. arc affccted by th~ noce r.re. Oeopcndtng upor. mark.l::( londJ{lons. [ht: Joan dl\.roun~ fC'~iP0InB ma~ be hlghcrto adjuSl for below m.arker raro
~, The~ arc other d'lJ.rgc Imposed In (anncetJOn wlch mongage' loan5. In add.lJon, a tender m.ay reqL;lll: rhe' Jse: uf OlhC'T service pcovldcn i"dudmg bu.t not limirt'd w an
,HlOrney. crcdlI feponlng agency or r~ ol.ate appr..iser chosen to represent the :ender's .nl~resr If you "prl)' 10 c.-l:hcr of .hc:5(, companies for a 10m, you Will receive
;;rddirlOnaJ mformation regarding antl[:lparcd charges
AJrhough nor affih.atcd bllSlnl:"S5 .rnngcmenB, please ;J5od natr the tollowlng: Lcrt .. ln Broker~ rr. .. rk~r r~t" (nki",,{"! BJ.nk~r Home: Protecrion Plw (.l.S }-J1Q . . ' ldtJ ;;rnd .l.dminlstcreod by
Combined SpeClalry Insurance Company) Vld ADT'& SecUfIC)' SC:fYICCS, 4.5 wdl a.~ mhrr producu J.nd !lcrviu!l Bro~('r, iu employees or H5 J.ffill.. rC(s) mOlY recejVe J. financJal or othrr
benefic 10 conn~etion with IlK products or servIces dcscri~d herrin.
Acknowledgment of Receipt of Disclosure

j, \~lf h:nc TeUJveJ~c AffJ1J..rcd Ruslness Arnmgcme'nt Discloiufe' SruemaH fQ Btokcr and unJe[.!:i.tanJ lhJ.1 Broker may rC'f~[ me:'w (Q rh~ S¢lcJemrnr servlce pro\'ldeors II Sled In
rh15 S[~(em~n c:r•. ilS cmplo or iu affiliat('(s) ma.y r~c']V~ ;l. finanCl;v CJ b('n~fi{ a..s thc rcs..I1t of that r~fcrril
8,';);;---
'-#-(.~iJ."j.'---.;~?'22'~'~=- - - L/
b ... "ct
S."II,~,~~~~~ ----- '---------~-
COLD\X'ELl.- ~ANKlR· and COLD''ELl B-\!'-'KfR COMMERCW·;m' Icor;I1r~~ Tr~rru.:ks IILtnKd Ie: Cold""ell B.lnlo.CI b [../oulr C...lJI?,,>".ICIOfl FR..... • " ~ "t"twcrrd 1~..:iC'm:Hl( bl.Crwcd [c ER) f:lIlduJ,t SVl1crrn, Inc
{F.Nn;R.Y 71- LlI '~IJ\t"cd rr.&dctNriI ~lottrutli ttl Unl\io'}' ~1 Raj Wit Corpo"tkl,n
Ar f..q~ OpponUI\Il)' Compill11 G) t.q1al HOlUlnJ OpponUf1lry Owntod <1.I1l'! Opt-urN:! br StolT )~a:por"'ftd
\'C'2003 - 2002 ~Rr In<:off'(mlC'd ~I ri~u rocrvC"Ci. Rn_ ~ 2002
0071
167 / 745
AFFlLJATEO BUSINESS ARR"'~EMENT DISCLOSURE STATEMENT (PAGE 1 OF 1) BROKER
~
~
RESIDE1'nA~ BROKERAGE
DISCLOSURE AND CONSENT FOR BROKER

REPRESENTING MORE THAN ONE BUYER OR SEllER
Coldwell Banker R~sid~nrial Brokerag~ ("Brok~r") may rep~senr more than on~ Buy~r or Sell~r provided rhe Brok~rlhas made a disclosure and
the principals have given their cons~nt. This mulriple repr~sentation can occur rhrough an individual licensed a5 a ~oker or through different
associate licensees acting for rhe Broker. The associare licensee may be working out of the same or different office loqations.
Broker. through its a5sociate licensee. may be working with many prospective buyers ar rhe same rime who may ha~ an interest in. and make
ofTers, on rhe same properties. some of which may be lisred wirh Broker and some may not. Broker will nor limit or resuict any particuJar buyer
from making an offer on any particular property wh~ther or not Broker represents other buyers Interesred In the same property.
Broker, through iu associate licensees. may have listings on many properties al the same rime. Broker will attempt to find buyers for each of those
Ijst~d properties some of which may appeal to the same prospective buyers, some properties may am act more prospectiv~ buyers than o,her5 and
some of these properties the Broker may be representing the buyer. Broker will market all lis[cd properties 10 all pr05pective buyers whether or
not Broker has other listed properties that may appeal ro ,he ~mc prospective buyers whether or nOl they alt: represented by Hroker.
Buyer and Seller acknowledges lhat Broker may represcnr prosp("ctive buyers of Seller's property, and/or may repre~nt selbs of property rhe
Buyer IS interested in acquiring. and may even represent bOlh buyer and seller on the same transaction. Buyer and SeUtr consent to Broker acring
as dual agent in ,hose transactions.
~o{e: See Disclosure Regarding Real Estate Agency Rdationships or Agency Disclosure
The undersigned acknowledges reaJing and understanding this Disclosure and Consent For Broker Representing More Than On~ Buyer or
Seller and agree to the disdos the possibility or existence of dual agency.
-±j ~D} tJV1

D", ~
10 -~Lj....J....-
~
rJi
D'"
I l.u
.~ ~ - - - . _ - - - --~
_
0072
'I- - - - - - - a'FIeE ~ ONLY - - - - - ]
L[R:.:.:_:.:.:wfC: .:.:. :Dor: . :.'/O==.u,=-~.::~=oe::...========-oo..=-======

168 / 745 DISCLOSURE & CONSENT FOR BROKER REPRESENTING MORE THAN ONE BUYER OR SELLER (PAGE 1 OF 1) BROKER
mmm
~
~d0 ~ RESIDDJTIAL BROKERAGE
DISCLOSURE REGARDING REAL ESTATE AGENCY RELATIONSHIP

(REQUIRED BY CALIFORNIA CIVIL CODE)
'.X'hen you enter rOlO a discussion with a re;ll .,tat< agent regarding a reaJ estate transaction, you should from the OUtset undeIHand what type of agency
rel.uionshlp or representation you WISh to have wim the .gent in rhe !fansaction,
SELLER'S AGENT
A Seller's agent under. listing agreement with the Seller actS as the agent for the Sdkr only. A Seller's agent or a subagent Qf mat agene ha5 the following
affirmative obligations:
To the Seller: A fiduciary duty of utmosr are, integrity, honesty, and loyalty in dealings with the Selier,
To the Buyer and rhe Seller:
a, Diligent exercise o( reasonable dull and care in performance of the agent's duttes.
b A duty of honest arld fair dealing and good faith.
e. A dury to disclose all facrs known to me agent materially affeCllrlg the value or desirability of rhe property rhat art nor known to, or within the
diligent attentIOn and observation of, rhe panies.
An agent 's nor obl,g.ted to r~ea1 to ellher party :my confidential information obtained from rhe other parry that docs no! involve the affirmative ducies
set f()fch above. '
BUYER'S AGENT
A sellmg agent can. with a Buy.-r's consent, agree to act as agent for the Buyer only. In these simat'ons, me agent is not the SeUer's agerlt, .-ven if by agreement
rhe agent may receive compensation for service, rendered, either in fuji Ol In part from the Selkr, An "b",m a"[Jng only (or a Burer has ,he following altirmmve
obligations:
To the Buyer: A flduclaly duty of utmost care, integrity, honesty, and loyalry in dealings wirh rhe Buyer.
To the Buyer and the Seller:
... Diligent eurcise of reasonable ,kill and care in performance of the agent's dunes.
b. A duty of honest and fair dealing and good faith.
e. A duty to disclose all raU> known [0 the agent materially affecring the value or desirabillt)· of rhe properry that art: not known to, at within the
diligent a[[entlon and observation of. the panics, An agent is not obligated to reveal [0 eirher party any confidential ~nformauon obrained from the
olher party d,.t docs nor lOvolve rhe amrmafl~e duties set forth above,
AGENT REPR.ESEr-.TJNG BOTH SEllER AND BUYER
A real ..,tate agenr, either aCling directly 01 through one or more associale I.censc", can legaJly be the a~ent of both the Sellet and the Buyer in a transaction,
but only wilh the knowledge and consent of borh the Seller and the Buyet
In a cluJ agency SHU.1I0n, the agem has rhe following affirmatiYe obligations to both the Seller and the Buyer:
•. A fiduciary Juty of utmost care, integrity, hontsty, and loyalry in dealings w;oh either Seller or rhe Buyer.
b, Other duries to rhe Seller and the Buyer as stated above in their respecrive sections.
In reprcsenling both Seller md Buver, rhe agent may not, wirhour the express permLSsion of the respecrive parry, dLSdose rb rhe other party th.t the Seller
will _ccepr a price less ,hat the listmg pme or that the Buyer will pay. price greater rhan the price offered.
rhe .bove dunes of the .gent in a real estate rransaction do not relieve a Seller or Buyer from [he responllbiliry to prorect his or her own interests. You should
cardi..Llly read all agreements to assure that they adequately express your undemanding of the transaction. A real eState agent is a person qualified to advise
.blJur real estate. If legal or tax adVIce IS dosired, comuJr a <:ampe!e", professional
Throughour your to,,1 propert) tr.OSdClion you may receiYe moro rh.n one disdosure form, depending upon the number of ag~nt5 assisting in rh~ tramaetion,
rhe Jaw requires coeh .gent with whom you hav~ more than a =ual relationship to present vou Ydth :he disclosuro form, You sh~uld read Irs COntents oach time
11 is presented !O you, considaing the rdationship betw'fn you and the re~1 e51ate agent in YOUt sp~cific transaction
JlWe have raj adLnowlrdge n:ccipr of ~ copy. . (', c:) ,

ThIS disclosure f"rm mcludes the proYlSion' of Sections 2079.13 to 2079.24, ir.duSI\'e, to the C1-;:;1(:ode set forth on the rever,. hereof Read it canfuIly..
@
--+-~_ _---,-~J~()\,=..~~~6.N fft2:V2tJV1- /U ·j.-orm
0073
Ir - - - - - - O~fICE U~t ONlY ~------,
~""".od ~ 8-"" ef ~""'

169 / 745 DISCLOSURE REGARDING REAL ESTAT'E AGENCY RElATIONSHIP (PAGE 1 OF 2) BROKER
~
~
RISICJE.'lTlAI EROKER,\CE
LEAD-BASED PAINT AND LEAD-BASED PAINT HAzARDS DISCLOSCRE, WARN;I~G STATEME~T,

ACKNOWLEDGMENT AND ADDENDUM FOR PRE-1978 HOUSING SALES, LEASES OR RENTALS
Proper')' Address: ._______2?O S \(>E..c....JL- :
--+- ~ _
LEAD-BASED PAINT WAR.l'HNG STATEMENT (Sale or Purchase)
Every purcha.ler of any interest in resideolLal real proper')' on which a residential dwelling w., built prior to 1'J71! i, nqrified that such proper')'. may
proem nposure to lead-based paint chips. and/or dust that may place young d1l1dren at ",k of dn-elopmg .Iead pOisoning.. l.edq. car. pOle health hazards l nor
taken care of properly. Lead pOisoning In \'Dung children may produce permanent nmrologlca! d"mage, Includmg learr.mg dls.bl],tles, reduced. Intelligence
quotient. behavior..t problems. and impaned mem?ry. Lead poiSOning a!so poses a. partICular_ nsk to pregnant women The seHer of any ,ntere,t In pre-1978
roidemiaJ real property, prIOr to the sale, IS reqUired to (al proVIde the buyer wnh any mlormwon on lead-based pamr hi/urds Irom mk asse"mems or
inspections In the sellcr's possossion; (b) notify the. Luyer of any known lead-based paint hazards; and (c) give the buyet a fedc~ly approved pamphlet on lead
poisoning prevention. A mk asseSsment or mspecllon for poslilble Ic"d-balied p"mt hazards recommended pnor to purLhase. I'
LEAD WARl'ING STATEMENT {Lease or Rental) I
Housing that was builr hefore J 978 may comain lead-based paint. Lad from paint. p.int chip~ andicH du,t un pose health hllUrds if not managed properly.
Lead exposure is esp<=cially h>rmful co young chJldten and pregnant women. Before renting pre-1978 housing, bliOfS rnuH dispose the prescoc;c of lead-based
paint and/or lead-based paint hazards in the dwelling. Lessees must also reLelVe federally approved pamphlet on lead poiso[]JlIg prevention.
SEll.ER'SILANDlORD'S DISCLOSURE OF THE PRESE:'oJCE OF LEAD-BASED PAINT HAZAROS
Seller/Landlord bas no knowledg" of lead-based paint and/or lead-based paint hazards in the hOUSing, ",UPt for:
-------- -------
Seller/lAndlord has no tecords or repom regardmg lead-based pain! and/or lead-based pam t hn>rds in the housing, except for: ~ _
- -. ._---- - - - - ~
Seller/lAndlord has proVided BUY'er/Tenant the government pamphlet "Protect Your Family From Lead ill Your Home" or an e9~jvalen[ pamphlet that has becn
approved by the Srate Environ menta.! Protection Agency. .
FOR SALES TRANSACnONS O!\LY: Buyer has ten (I 0) days, unless otherw'se agreed in the re.1 cstate pu((;hase contracr. to conduct. risk assessment or
in'~tjon for the pre,ence of I«d-based paint and/or lead-based paint haurds.
I(-} haw, revi and emilY, to the ~~~owIedge,that the: infurmatiOD is true and coma lIS of the date signed herein. ._
-iii ~lJcr'Landk.rd D.uc
BUYER'SI
BuyerfTena has rcad and received the lead· based paint warning statement above and copy of the information li5led above (if ~ny).
Buyer/Tenant acknowledge:; receipt of the government pamphlet "Protecl Your Family From Lead in Your Home" or an cql/i"alenr pamphlet that has been
approved hy the Statc ~nvironmentaJ Protection Aj;ency. If delivery of any di5clo~urcs or pamphlets referenced a~ove occur. ~er ac~ptwce of an offer to
purchase. Buyer has a tight to cancd pUTSrunt to the purchase contract. If you wlSh to cancel, you must act with on the pre,cttbed p~nod.
FOR SALES TRA."lSACTlONS O:--lI.Y: Buyer acknowledg~' the right for rcnl J 0) days, uniess otherwise agreed in the teal emlC purchase contract. [0 conduct
a ri,k assessment or Inspection for the pre,enCe of lead-based paInt and/or lead-based paint huards. !
OR ( I ) (Buya /0 lnl/Utl ~r appl.eablr) Buyer waivc:s rhe right w conduct a nsk assessment or inspection fo~ the presence of ICdd-based pain<
and/or le..d-b",ed p.in< burds.
I (we) have Cd the info~~cenify,_~o :~, best /~t,,~~~:I"dge,that tbe information provided is true and CO",,:,...~_,et_. _
4852d and is aware of .gent', tC5ponsib~
... ~ ~
:),Ht
0074
Sot ''-'f'5t 1m fur~l" m'ormotloll
Q200<1 Caldwell 8.aJ-,krr f..qu.a,' r:ow.r~ 0ppo:-luJ1IfY Q R"."I)r-d liO~
170 / 745 LEAD-BASED PAINT HAZARDS DISCLOSURE, WARNING, ACKNOWLEDGMENT & ADDENDUM (PAGE 1 OF 1) BROKER
~
~
RESIDENTIAL BRCK,RACE
WATER HEATER AND SMOKE DETECTOR STATEMENT OF COMPLIANCE
Properry Address: S~ VE:.<.-L O~

1. WATER HEATER BRACING, ANCHORING, OR STRAPPING STATEMEN1:
California Health and Safery Code Section 1'1211 re'lulles all owners of new and replacemen( w:lter heaters and exisring re$idel1lial water heaters 10 brace,
anchor, or strap wat., he"t.,s ro roSlS! falling or horizonral displacement due to earrhquake motion There are no exceptioiIs ro ,hIS requirement
In addition ro Swe law, the parties are advised to cheek wirh local building and 'afery departmentS for local regulations, which m"y have more mingent
w"tee h"'ter bracing. anchoring. or mapping requiremenrs. I
Califurnia HeaJrh and Safery Code Section 1921l requires rhe seller of reoJ property to (wify in wtlliog to the buyer rhar the seller has complied wirh all
requiremenrs to braa, anchor, or ,uap rhe water heater. :
Seller hereby ccrrifies rhal:l5 of rhe dose of escroW. the property will be in compliance wHh rhe California Health and Safety Code,Seuion ) 'J2 J J by having water
heaters bra or ,or Strapped in place.
_
')eUcs
__.__ 3EDlo~
Dollc Sell"
._ ___
nHr
The undersigned horeb}' acknowledges receipt of" copy of thi.> document, including the provisions of the C,lifornia Health and Safety Code ~ClIon 19211,
which are mtecl on the reverSe of this page.
«9),--------------- D,m: Bu~n------- ~-------~------- [hte
SMOKE DETEcrOR(S) STATEMENT.

California Health and Safety Code Section l3113.8 provides that on Or after .Ianu'lI y I, ) 'J86, when("ver a single family d~dling or factory built housing
is sold, the seller must have an operable smoke detector, approved and hOled by the State Ftre Mar;hall. installed in accorda~ce with the Stale Fire Marshall's
regulations. See the reverse side of thi, form for exceptions to this requirement.
In addition to State law, rhe pawes are advised to check with loca! building and ;afery departments for local regularions, which may hove more stringent
smoke detector requirement'.
CaJifornl' Health and Safety Cude Section 131 J3.8(b) requires the selkr of a s:ngle-family home w certifY in wilting to ~he buyer thar the properry IS in
compliance wirh CalifornIa state I.w concernIng smoke deteclDr(s).
Seller hereby certifies thar as of the close of escrow, the property will be in compliance wit!,: rhe CalifornIa Healrh and Safety ("..ode <;ectlon 13113.8, by having
operable ,moke deteclOr(, approved and li,ted by the State Fire Marshall in'talled in acco,dance wHh Stare Fire ....1arsh,II·, regulations and in accordance w"h
applicable 1001 ord ce).
1~11,-,---+-+-._--t-~-"------- ~t:----- -------- ~---
l"he under>Jgned,.-hc,eby acknov,ledges rece,pt 01 a COP} of thiS documen~, rneludlng rhe prOVISion; of rhe California Health and S,fer: COCe Semon 131 J 3.8
v,hlCh ore Sta;cn 0 ,he reverse 0 IS page. ~
~- LJaH:
0075
CffiCf !JSf ONLY - - - - - - - ,
II!'.~." II 8'oi<f' o,,--,:::..w..::'::':::'~~~~======-Dc::::.::...o======:.J

171 / 745 WATER HEATER & SMOKE DETECTOR STATEMENT OF COMPLIANCE (PAGE 1 OF 1) BROKER
......
mmm
RESlDE:,TJAL 8ROKERAGE
RESIDENTIAL EARTHQUAKE HAzARDS REpORT

Pro perry Address: 2>~o s YE..ut:.... v~
Answer wese questions to the beSI of yout knowledge. If you do not have actual knowledge as to whether the wcakneS5 exists. answer "Don't
Know". If your house does not have the feature, answer "Doesn't Apply". The page numbers in the right-hand colu/1lln refer to the Homeowner's
Guide to Earthquake Safety found in the buyer's copy of the Propertv 1.0. Report. ~
• DOESNT DONT sa
YES NO APrLY KNOW rAGE
I. h the water heater braced, strapped, or anchored to resist falling dunng an earthquake> I ~ 'L,z{/ £5 7
2. Is the house anchored or bolted to the fuundatlOn> I " - -i [i2(" ESS
3. If the house has cripple walls: }
• Are the exterior cripple walls braced) ,-, ,- =:J V ES9
• If the exterior foundation consists of unconneued concrete piers and posts, /
bye they been strengthened? =:J J/ ES10
4. If the ex{enor foundation, or part of it, is made of unreinforced masonry. )
ha.s Jl been strengthened? !__ ~ r- ~ r:;;t ESll
5. If the house is built on a hdbide:
• Are the exteriot tall foundation wall, braced?
• Were the tall posts or columns either built to cesisl earthquakes ----,
. .J;;/-;;/
_./ "71,
ESl2
or have they been strengthened? '- l- " U ESl2

G. If the exterior walls of the house, or part of them. are made of unreinforced /'
masonry, have they been strengthened? r ~ CV ES13
7. If the house has a living area avec the garage, was the wall around the garage ./
door opening eiwer built to re,iSI earthquakes or has it been strengthened) L '- ::L ~:-I 14
R. 15 the house outside an A1qist·Priolo Earthquake Fault Zone
(wnes immediately surrounding known earthquake faults)' , ,- , /:23
). Is the house outside a Seismic Hazard Zone
(zone identified as susceptible to liquefaction or landsliding)? ---,::::J _~ ES23
If any of the questions are answered "No", the house is likely to have an eanhq u~e weakness. Questions answered I ,. Don't Know" may indicate
a need for further evaluation. If you corrected one or more of rhese weaknesses, describe the work on a separate pa~.
As Seller of the ry described herein. I have answered the questions above to the best of my knowledge In an effort to disclose fully any
potemi.u car u.J<e e.J<nesses it may have ~ J~l]U'
D_~ \c:Jer D.a.u:
·ltTr-...-n.is form. completed and signed by the Seller. I understand that if the Seller has amweted "~o" co one or more
Jated a lack of knowledge, there may~ne ot more earrhqu~e weaknesses In WIS house.
~B~u}"90(~4-lc~~t--4Jt:1~~~----~'! ;;"'Bu.-y,-------
IS earthquake dIsclosure IS made In addltlon to the ~ Real Estate Transfer Disclosure Starement also requited by law
I~- - - - - - - Offl[f l£f om - - - - - - - -

!1""Md o¥ wet 011le\q>eo
AESlOEI'mAL EARTHQUAKE HAURDS REPORT (PAGE 1 OF 1) BROKER
172 / 745
0076
......
m.mm
RF5lDfNTlAL BROKfR"GE
MOLD DISCLOSURE AGREEMENT
For the property located at _2?~~dO,-==-~-=S=_~-.ll..~=~

__,",--~-Jo:::~ dated ~ - __
1. MOLD DISCLOSURE. There has been a great deal of publicity regarding the existence of mold (fungus) in homes. apart-
ments and commercial buildings. Current information indicates that some types of mold may causeihealth problems for cer-
tain individuals. :--lot all molds are detectable by a visual inspection by a Broker or even a profession4} whole house inspector.
It is also possible that the property could have a hidden mold problem (hat the Sel.ler/Lessor is nor a"ljtare of. The only way to
provide a reasonable assurance that the property does not have a mold or other health hazard problem is to retain the services
of an environmental expert who will conduct tesrs. Normally, these rests will consist of an interior kJd exterior examination
tor airborne spores and a carpet (cst but other procedures may be necessary. Any mold should be 'professionally evaluated.
Broker advises that every Buyer/Lessee should have a mold test performed by an environmental professional as either a sepa-
rate test or an add-on to their whole house inspection. This is especiaHy necessary jf any of the inspection reports or disclo-
sure documents indicate that there is evidence of past or present moisture, standing warer or water \ntrusion at the property
since most mold thrives on moisture. All inspections, including those [0 detect mold, should be completed within the inspec-
tion period established in the purchase contract. Any waiver or failure on the part of a Buyer/Lessee to complete and obtain
all appropriate tests, including those for mold, is against the advice of Broker. Broker has not and 'cannor verify whether Of
not there is any health haurd at the property.
Some insurance companies have stopped writing homeowner's insutance policies in California as well as in other states as a
result of the increase in mold claims. Many insurance companies will not write a homeowners' polidy on a home that has had
any m~ld or water .intrusion claims within the last five years. Obtaining homeowner's insurance m~ be difficult, if not more
expensIve, where either the seller or the buyer has made mold andlor water intrusion claim with the last five years. Sellers
should disclose to buyers all prior claims made to their insurance carrier regarding the property within the last five years and
need to detail all past or present water intrusion problems, even those that have been fixed. Buyer~ should assure themselves
that homeowner's insurance can be obtained on the property prior to removing their inspection andlor insurance contingency.
By signing this Disclosure Agreement. you agree that Broker shall have no further responsibility ror protecting you against
the possibility of mold contamination of the property or any resulting injury. Nothing any sales agent may say to you can
change this Agreement or the advice comained above.
Accepted and Agreed:

/' ~ C!tfi
~~~
i /
/t.J-fj-u'-i _
Da(~ BuycriU:ss~ Lht<
I
r ------ OffICi USE ONLY - - - - -
I
, I",""': by 81oUr.·~
i
MOLD DISCLOSURE AGREEIIEHT (PAGE 1 OF 1)
173 / 745 0077' BROKER
- - - _. -- - - - - - - - - - - - - -- ~ --- ~
-----------~----~--.-------~-------~-----------------. I
I
I found the boo~let, The Homeowner's Guide 10 Environmental Hazards and Earrhquakt Safety I
(with gas shut-off valve updQIl) which includes the Federal Lead booklet and Toxic Mold UpdaJ~:
CJ Helpful ~ Clearly written
C Too detailed '= Confusing
[J Not detailed enough
C The booKlet helped me to locate earthquake weaknesses in my home.

[J I have strengthened my home to resist earthquakes.
C I plan to fix my home's earthquake weaknesses.
w The booklet helped me find ou( that my home did not have any earthquake
weaknesses.
The year my home was built was _
Comments:
O~~L--yCEASE-~~-~D--~~~-"-
We Want To Hear From You!
California Seismic Safety Commission
J900 K Street, Suite 100
Sacramento, Califomia 95814-4186
-.-._-._---------~------------~--.--------------------------------------._---~---------------------------
To Whom It May Concern: I have received a copy of the Environmental Hazards and Earthquake Safety
(¥ ·tt gas shut-off valve update) which include Federal Lead booklet and Toxic Mold Update.
PI.JP8ftyAooress: ~~~-=~~-7""~~~=;;t:.=---~=t_--------~
Date / U J;!D~ Time cg: 2X)
Data _ TIme _
(.iQnRt....) (printed na....)
NOTE: For applicable transactions, it is also necessary to complete C.A.R. Standard form FLD-11
(lead-based paint and Lead-based paint Hazards Addendum, Disclosure and Acknowl.dgement).
OfIiclal CA~.· PubllCallOfl 1104
To Whom It May Concern: I have received a copy at the Environmental Hazards and Earthquake Safety
(with gas shut-off valve update) which includes the Federal Lead booklet and Toxic Mold Update.
Property Address:
DIIta _ Time _
(~)
0078
Oate _
Time
IlIIgnRturej , (prim.d name)
NOTE: For applicable transactions, it is also necessary to complete C.A.R. Standard fonn FLD-11
(Lead-based paint and Lead-based paint Hazards Addendum, Disclosure and Acknowledgement).
0!hcllII C All· PublIcIlion 1~
174 / 745
15: 42
..: I U ~f1
4:0CPill; PAGE ~ 4,1 ~ 5
s~~ 12 O~ 04:23p
~."4
-- "'.o-se ;'.'J
ADDENDl..:M TO R..EAL .EsD\"["E PURcH:\SF.AGRE.E.MEJ'.iT

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175 / 745
PROOF OF SERVICE
STATF OF CALIFORNIA. COUNTY OF LOS ANGELES.
-.
j I am employed in the County of Los Angeles. State of California. I am ova the age
of 18 and not a party to the within action: my business address is 12100 Wilshire Boulevard.
Suite ~OO. Los Angeles. California 90025.
5 ()n .July 26. 2007. I served the foregoing document described as DECLARATION
OF JOSEPH ZERNIK IN SUPPORT OF HIS OPPOSITION TO PLAINTIFF NIVIE
6
SAMAAN'S l"IOTION FOR SUMMARY JUDGMENT envelope addressed to:
7
Moe Keshavarzi Robert J. Shulkin
8 Sheppard. Mullin. Richter. & Hampton LLP Coldwell Banker Le!!al I
333 South Hope Street. '+8 1h Floor t
I 1611 San Vicente Boulevard. 9 1 Floor
9 Los Angeles. California 90071 Los Angeles. California 900~9
10
BY MAIL: I caused such envelope to he deposited in the mail at Los Angeles.
II California. The envelope was mailed \\ ith postage thereon fully prepaid. 1 am readily
familiar with the firm's practice of collection and processing correspondence for
12 mailinl!. It is deposited WIth the United States Postal Service on that same day in the
13
14
o BY PERSONAL SERVICE: I caused such envelope to be personally delivered by
hand to the offices of the addressee.
15 o BY FH)ERAL EXPRESS:
envelope is
The Federal Express package tracking numh~r for t~is
. and the envelope \\as sent (mode J tor receIpt
16 on [day]. [date!.
17
o BY FACSIMILE MACHINE: The above-referenced document was transmitted by
facsimile transmission and said transmission was reported as complete and without
error.
18
Executed on July 26. 2007. at Los Angeles. Calif()rnia.
(State) I declare under penalty of perjury under the laws of the State ofCalif()rnia
,
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\
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. ' ..L - - - - . - - - - -
Ulif Vardolliol1
176 / 745
Ii
lBf'22l2Be4 15: 42 3,1135567531 PAGE: 15
4:00P"; PAGe: : 4/ ~ 5
S~p lZ 04 04:23p p • .04
J 10 .'.71 -'&3-<;
ADDEND!..:)\{ TO REAL .Es"u\.n: PURCH ....~F. AGRllMEN-r

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177 / 745
PROOF OF SERVICE
STATE OF CALIFORNIA. COU~TY OF LOS ANGELES.
3 I am employed in the County of Los Angeles, State of California. I am over the age
of 18 and not a party to the \\ithin action: my business address is 12100 \Vilshire Boulevard.
4 Suite 800. Los Angeles. California 90025.
5 On .July 26. 2007. I saved the foregoing document described as DECLARATION

OF JOSEPH ZERNIK IN SUPPORT OF HIS OPPOSITION TO PLAINTIFF NIVIE
6 SAMAAN'S MOTION FOR SUMMARY JUDGMENT envelope addressed to:
7
Moe Kesha\arzi Robert J. Shulkin
8 Sheppard. Mullin. Richter, & Hampton LLP Coldwell Banker Legal til
333 South Hope Street. 48 th Floor
~
1161 I San Vicente Boukvard, 9 rIoor
10
BY MAIL: I caused such envelope to be deposited in the mail at Los Angeles,
II California. The envelope was mailea with postage thereon fully prepaid. I am readily
familiar \vith the firm's practice of collection and processing correspondence for
12 mailing. It is deposited \\ Ith the United States Postal Service on that same day in the
13
D BY PERSONAL SERVICE: I caused such envelope to be personally delivered by
hand to the orticcs of the addressee.
14
15 D BY FFDFRAL EXPRESS:
l'melope is
The Federal Express packa£c trackin£ number for this
. and the envelope\vas sent Gnode I for receipt
16 on ldaYl. ldmcJ.
17 D BY FACSIMILE MACHINE: The above-referenced document was transmitted bv

lacsimile transmission and said transmission was reported as compkte and vvithout
error.
18
9
.
Executed on Julv 26. 2007. at Los Angeles. California.
~
(State) I declare under penalty of perjury under the laws of the State of California
20 that the above is true and correct.
21
22
24
Lilit Vardanian
25
26
27
28
178 / 745
Joseph lernik
IIn Pro Per
) 320 S. Peck Avenue
fkn:rh I lills. Cali fornia 90:212
3 31 O-·U"5-l) 107 i .
5
6
7
8
9
NIVIE SAMAAN. an individual. ) Case No. SC087400
10 )
Plaintiff. )
11 ) Assigned/or all pllrpost's to the Honorahle
v. ) Jacqueline ('Olillor
12 )
JOSEPH IERNIK. an individual. and DOES ) DEFENDANT JOSEPH ZER~IK'S
13 1 through 20. inclusive. )
) SEPARATE STATEMENT OF
14 ) DISPUTED FACTS IN SUPPORT OF HIS
Dekndants. ) OPPOSITION TO PLAINITIFF NIVIE
15 )
----------------~--- ~~- - ) SAMAAN'S MOTION FOR SUMMARY
JOSEPll /ERNlK. an individual. ) JUDGMENT
16
Cross-Complainant. ~
17 Hearing:
v. )
18 )
Date: August
,,- 9. 2007
) Time: 8:35 a.m.
COLDWELL BANKER RFSIDENTIAL
19 ) Place: Department "WE-r"'
BROKERAGE: MIl'l IAEL LIBOW. an )
20 individual. )
) Trial Date: Septemher 7. lOU7
21 )
Cross- De fcndants. )
22 ------------------ --------~------)
2-1- Dd\:ndant Joseph Zemik (''lernik'') submits the fo!lLming separate statem~nt of
25 disputed material facts in support of his opposition to Plaintiff Nivie Samaan's Motion ttl!"
26 Summary Judgment.
27
28
179 / 745
Court File: "Volume IV Continued" -1- Separarc Statement of Disputed Facts
Samaan v Zernik (SC087400) Los Angeles Superior Court Case ~o. SC0874()()
~~ ~~~~~--,--~- -----
U"disputed/Disputed Material Facts Su pporting Evidence
!~ lIn S~ptember 2004, Samaan and Zemik ! Disputed~ Zemij(~ss~nt to the

I
I
I 'entered into a purchase agreement for the purchase agreement was obtained by
I I
sale by Zernik to Samaan of 320 S. Peck fraudulent inducement, making the

I
,
6 IDrive, in the City of Beverly Hills, contract null and void. Declaration of
I
7 California 90012 (the "Property"). for the Joseph Zernik ("Zernik Decl."), ~~ 4-
8 :purchase price of $1,718,000 (the 10, Exhs. A-E, T.
9 i
I" Purchase Agreement").
10 I,
II I
I(Request for Judicial Notice, "RJN",
I
12
iExhibit ("Exh.") 1 (September 19,2006,
13
[Declaration of Joseph Zernik in support
14
fof his Motion to Expunge Lis Pendens),
15 I
I ~ 4));(Samaan Dec!., ~~ 4-7, Exhs. 1-3).
~. Banker·-w-a~s- ·- C.- t-Jn-d-is- p-l.- Ite-d-.-

16
17 ~------- I
iMiChae, Libow of Coldwell
18
I fernik's agent for the sale of the
19
I jProperty . I:I:
20
Ii
I I :I
21 I I
I
, !(RJN, Exh. 1, p. 11, ~ 2);(Libow '1
22 I
Deposition Transcript (Keshavarzi Dec!., '

I
Exh. 27), pp. 21-23, Exh. 101).

24
25 ~--~-----.~_.
,
_ _._._._--------+--=-- -------_.
3. ,The purchase price of$1,718,000 renects i Cndisputed.
26
the value of the Property as of the time
27 I
:Samaan and Zernik entered into the

28 ~----------'--- --~,~--~---_.~~----------
Separate Statement of Disputed Facts

180 / 745 -2-
Court File: "Volume IV Continued" Case '\0. SC087-+00
r----undisputed/Disputed Material Facts Supporting Evidence
3 ~----'-:P-u-rc-hase Agreement.
5
6
I
I
7 I i(Declaration of Victor Parks, ~ 17, Exh.
I
8 I \25 (Appraisal of the Property done by
9
I !propertY Sciences Group, Inc.)).
10
11
r-·----t-~-e~r-n-ik-was required to deliver a copy or-[ Disputed. The terms of Counter Ot1er-
12
~he Purchase Agreement fully executed I No.2 expressly state that California
13
iby him (signed and initialed on every I Association of Realtors Residential
1.+ I
I page where applicable) to Mara Escrow Purchase Agreement and Joint Escrow
15 I
Iby September 17, 2007. Instructions (the "Initial Offer"),
16
incorporate the terms of that contract
I
17
I(RJN, Exh. I, September 19, 2006, into Counter Ofter No.2 by reference.
18 I
IDeciaration of Joseph Zemik, p. 2, ~ 8, Zemik Dec!., ~37, Exh T (Libow
19 I
IExh. 5);(Keshavarzi Decl., Exh. 27 Decl.,p.131:18-132:12). Zernik
20
'( Libow Deposition Transcript), pp. 141, Dec!., ~ 13, Exh. G (Counter Offer No. I
i,
21
72, 97, Exh. 125). I 2) i
22 i,
I '
23 _.~. __. .____ ------------L-----------.------ .. J'
:5. Zernik, through Libow, provided Mara Disputed. The terms of Counter Offer I
Escrow \\ith a Purchase Agreement on I No.2 expressly state that Initial Offer
25
,September 22,2004, but this document I is incorporated into the terms of that
26
was not fully executed by Zernik because i contract into Counter OtTer No.2 by I
I,
L__ ,it was not initialed on every page by him I reterence. Therefore the document I
J'
181 / 745
S~parate Statement of Disputed Facts
Court File: "Volume IV Continued" -3-
Samaan v Zernik (SC087400) Los Angeles Superior Court Case :'-1o. SC087400
Undisputed/Disputed Material Facts Supporting Evidence
"----~---
3 I land it was not signed on page 8 of 8 of was fullv executed, because no
the Purchase Agreement. signature was required on the initial
\
5 offer. Zernik Decl., ~3 7, Exh T

6 I :(Keshavarzi Dec!" Exh. 27 (Libow ! (Libow Decl., p. 131:18-132:12).
I
7 !oeposition Transcript), pp. 1-l1, 72, 129- I Zernik Dec!., ~ 13, Exh. G (Counter
!131, Exh. 110);(RJN, Exh. 2 (November I Offer No.2)
I
9
12, 2006, Declaration of Joseph Zemik
10
Iti led 'vvith his reply brief in support of his
I
II
I \Motion to Expunge Lis Pendens), at ~ 4).
12 I \ '
13 L----t---------~-~------
16.
fZernik did not fully execute the Purchase
+------- - - - - - - - - - -. --- - --------
Disputed. The terms of Counter Offer \ I
14 II
IAgreement until after 3 :42 p.m. on No.2 expressly state that Initial Offer i
I ' I
15 II
:October 22, 2004. is incorporated into the terms of that
16 I
contract into Counter Offer No.2 by
I
17
I reference. Therefore the document
18 I
I was fully executed, because no

19 I
[(Parks Dec!., ~ 14, Exh. 24 );(RJN, Exh. 2 signature was required on the initial
20
\(November 2,2006, Declaration of
I
offer. Further, Samaan has offered no i
21
Joseph Zernik), at ~ 4 );( Keshavarzi ! admissible evidence to suggest that
,
22 I
Decl., Exh. 27 (Libow Deposition : Zernik signed Samaan's Initial Offer

23
Transcript), p. 141, Exh. 140);(NlcLaurin I after 3:42 p.m. Zernik Dec\., ~37, Exh
24
'D ec I .,',
...' 1-), 'h /'\.A) .
- Ex. I T(Libmv Dec!., p. 131:18-132:12).
25 I
Zernik Decl., ~ 13, Exh. G (Counter

26
, Offer No.2),
27
28 I
L. ~ _ _ _ _ _ _ _ _ _ _ _ _ _ _~ ,J '
182 / 745 Scparak Statement of Disputed Facts

Case ".;0_ SC087400
Undisputed/Disputed Material Facts Supporting E~fden~--------1
I'
~--- -------- - ---- ---~------l
!
3 7. Zernik delayed in performing his I Disputed. Zernik did not delay in iI
i I
4 obligation under the Purchase Agreement performing his obligations under the
I
I
I
5 to provide Samaan with the Preliminary contract. Mara Escrow had
6 ITitle Rep0l1. undertaken the obligation to del iver
I
7
I
the title repol1 to Samaan. The terms
8 I
i(Keshavarzi Decl., Exh. 27 (Libow of the contract only require that

9
iDeposition Transcript), p. I 12);(Parks "Buyer shall be provided a current
10 \
lDecl., ~ 10). preliminary (title) report" it does not

11
specify an obligation for Zernik to
12
provide it. Zernik Dccl., ~ 38, Exhibit
13
U (Contract. paragraph 12(a». The
14
only express obligation of Zemik is to
15
"disc lose to buyer all matters known to
16
Seller affecting title, whether of record
17
or not." Zernik Decl., ~ 38, Exhibit
18
U (Contract, paragraph 12(a». Zemik
19 I
Decl., ~3 7, Exh. T (Libow Decl. I
20 II
I 12: 2. 0- I 13:4.) I
21 I
22 e----~------ ------ ---------------------1 I

,8, ik delayed in performing his Disputed. Zernik signed the disclosure I
23 I
obligation under the Purchase Agreement , statements on the date that he signed
24
'to provide Samaan with the Natural and I his listing agreement \vith Libow.
r
-)
Environmental Hazards Rep0l1. Zemik Decl. -: 39, Exh. V

26
, (Disclosures). In addition, during I
27 I I,
28 L ~Keshavarzi Dec~~~ EXl~_~7 (:ibovv· ~ib~w'~ depositio_~here \vas a

,
183 / 745 Scpar~lte Statement of Disputed Facts

-5-
Case \0. SC087400
~~--
Undisputed/Disputed Material FactS-~1 --- Supporting Evidence I

[ I
I I I
~-------~ ----,
:Deposition Transcript) pp.145-146. --I question of fact regardi~g the--------l

authenticity of the signatures as well
5 as the disclosure date. Zernik Decl., ,r
6 I 37, Exh T (LibO'v Dec!., pp. 86:2-
7 I 90:23).
i
8 I
I
I
9
10 i ;
II 17-------~~----~---
9. Zemik delayed in performing his Disputed. Zernik signed the disclosure
12
, ~bligation under the Purchase Agreement statements on tbe date that he signed
13
Ito provide Samaan with the his listing agreement with Libow.
14
~'ondominillm!PlannedUnit I Zernik Decl. ~ 39, Fxh. V I
I
15
IDevelopment Disclosure. (Disclosures). In addition, during I:
I I
16 I I
I Libow's deposition there was a II
I:
17 I
,(Keshavarzi Decl., Exh. 27 (Libow question of fact regarding the I
I
IX I
iDeposi tion Transcript), PI'. 145-46). authenticity of the signatures as well

19
as the disclosure date. Zernik Decl., ,r
I'
37, Exh T (Libow Decl., pp. 86:2-
, 90:23).
L-~'------~-----~----------~---------i
10. Zemik delayed in performing his Disputed. Zernik signed the
obligation under the Purchase Agreement disclosure statements on the date that
Ito prO' ide Samaan vvith the Known he signed his listing agreement with
:YIaterial Facts Disclosure. Libow. Zernik Decl. ~ 39, Exh. V
, (Disclosures). [n addition, during i
I
,---------------_.-- - ----------- ---- I,
- -_._----- - - -
184 / 745
Samaan v Zernik (SC087400) Los Angeles Superior Court Case No. SC087-100
I-~ Undisputed/Disputed lVlaterial Facts '-'~,----ppo~tfngE;fd;~ce-----~~:
I I'
r------~~-
3 : (Keshavarzi Decl., Exh. 27 (Libow Libow's deposition there was a

4 !Dcposition Transcript), pp. 145-46). question of fact regarding the
, '
,
5 authenticity of the signatures as well
6 as the disclosure date. Zernik Decl., ~
7 I 37, Exh T (Libovv Dec!., pp. 86:2-
8
i 90:23). i:
9
~
~~~cmik delayed by 14 da-y-s-in-Z-em--ik---
I
10
Disputed. Libow stated in his II.
I
II
[delayed in performing his obligation ! deposition testimony that Samaan had I I,
12
lunder the Purchase Agreement to provide removed her inspection contingency I'
13
!Samaan with the Pest Control Report. prior to the fourteen day time period, I!
14
I thereby removing any requirement for 1\
15
Keshavarzi Dec!., Exh. 27 (Libow Zernik to deliver the Pest Control I:
16 I:, I
!Deposition Transcript), pp. 102-03). Report within any period of time. II
17 I I I'
I (Keshavarzi Dec!., Exh. 27 (Libow
I
18
I I
I
I Deposition T ranseri pt), P 103 :21-22).
19 I
I
~2. ~ernikd-e-Ia-y-ed-i~-p-e-rt-o-r-m-i-n-g-h-i-s- - - - [ Disputed.

20
Zemik signed the disclosure;.
21
:obligation under the Purchase Agreement I statements on the date that he signed
l! I
~o
I
provide Samaan \vith the Lead-Based his listing agreement \vith Libow. I,
')"
--'
Paint Hazard Disclosures. lernik Decl. IT 39, Exh. V
24
(Disclosures). In addition, during
Libov/s deposition there was a
26
question of fact regarding the
27
(Keshavarzi Dec!., Exh. 27 (Libow authenticity of the signatures as well
28 L- ' . .
185 / 745
-7- St.'parate Statement of Disputed facts
Samaan v Zernik (SC087400) Los Angeles Superior Court Case 1\0. 5C087400
--~--------- ------------
Undisputed/Disputed Material Facts Supporting E\"idence Ii I
1
I I,
i---~ _ _ _ --L.--- i ·
3 : Deposition Transcript), p. 142). i as the disclosure date. Zernik Decl., ~ 1 1
4
5
6
7
8
9
10
II
12
13 I
14
I(RJN, Exh. 1, September 19, 2006, Notice to Perform NO.1 was based on
15
pec laration of Joseph Zernik, p. 2, ~~ 8- a failure to remove the loan and
16 I
1
10 ). I appraisal contingency. Zernik Decl., ~
~ 4-39.
17
I i
i I
18 I
I
19
114. !samaan's lender Countrywide would not I Disputed. According to the -
20 I
I :approve the appraisal of the Property I declaration of Parks, the lender
21 I i
,i ,i
'until it had been provided \vith a fully provided appraisal approval after
22 ,
!'
executed Purchase Agreement (signed receiving "a fully executed Purchase
23
and initialed on every page \vhere Agreement", hmvever, in Parks' email
24 1 '
-,- applicable ). to Libow on Monday October 25, I

..:.,)
I 2004 at 2:57 p.m. he informed Libow I,

26
,(Declaration of Maria McLaurin, ~~ 1-5, that the lender appraisal review was in.
27
Exh. A);(Keshavarzi Decl., Exh. 27 HO\vever, Countl)\vide does not have
28 1_ ------------~------"
, .
186 / 745 St:paratt: Statemt:nt of Disputed Facts

-8-
Court File: "Volume IV Continued" Case :\0. SC087--HlO
- - - ,- .- - - -; --~-------r---------~-- - - - ------------
L"disputed/Disputed l\laterial Facts i Supporting Evidence i'
I, I
f---~--~ ----- ---L j
I'
3 : ,( Libov" Deposition Transcript), p. , any evidence of having received "a I',
i i Ii
: 132);(Parks Decl .. ~;~ 3.11-14). fully executed Purchase Agreement" I
I I i
)
, before 5:03 p.m. on October 25,2004 I'
: I
(1
- over 2 hours later.
7
8
Parks Dec!., ~ 14-15, Exh. 25 (2:57
9
email informing appraisal approved);
10
Zernik Decl., ~ 38, Exhibit U (Zernik's
I1
signature and initials on initial otTer
12
1
received by Country\vide (for the first i~

13 I'
time) at 5:03 p.m.) i I
14
I
15
15. ~ernik's failure to provid~C:; t;I~---TDisputed.--C~-~trY~id~placed at ------1
16 1
iexecuted Purchase Agreement (signed [least 16 different conditions on I:
17
land initialed by him on every page where I Samaan's loan application which she
18
lapplicable) \Vas the only cause of I was required to satisfY for loan
19 i I ,I
iSamaan's inability to remove the I approval. Those conditions, included I,
I
20 I
,Appraisal Contingency before October I submitting a valid Uniform Residential i:
21 I I
22,2004. 1 Loan Application. which she never

')'1
did.
23
24
: Zernik Decl., "'-]7-28, Exhs. I-N
(Declaration of Maria McLaurin. -;~ 1-5, (Clues Report of 10114/04,
26
Exh. A):( Samaan Decl., 12; Parks Decl., Country\vide Underwriting/Decision
27 I
! Letter of 10/4/04. Invalid Uniform
28 ~-------------------------
-------L . . ~ ~
,
187 / 745
-9-
Samaan v Zernik (SC087400) Los Angeles Superior Court Case :\0. SC087400
Undisputed/Disputed Material Facts Supporting Evidence
i
i
~--~-- ~---~---------------~---~ -+--~ ------~----- ---~--',
~ 3,11-14). Residential Loan Application, Parks
I
I
I:
Emails, Smartpages.com print-out, I
I
I Countrywide \VLD Exception
6 Request.
I
7 I I
g L--i--------~--------- -----~-----
116. ilSamaan could not remove her Appraisal 'Disputed. There is nothing in the
9
\Contingency until Countrywide approved contract that prevented Samaan from
10
~he appraisal of the Property. removing the Appraisal Contingency
II
I vvithout Countrywide's approval of the I
12
Samaan Decl., ] 2);(Parks Decl., ~~ 3, appraisal. And, Samaan removed the
13
11-15). loan contingency without loan
14
approval on October 20, 2004.
15
16
Zernik Dec!., ~ 39, Exh. U (Contract). i
17 I
I Zernik Dec!., ~~28, 3 I, Exh. P. II
18
19
I ,I I
-----------l'
117. iIfzernik had complied 'With his Disputed. Samaan still vvould not iI
20
!
.
i,obligation to provide Samaan with a fully
I
have been able to remove her i•
21 : I
I,
lexecuted Purchase Agreement bv
I
'-' . I continaencies
b
because she vvould have '
September 27, 2004, Samaan would have never been approved for a loan from
23 I
I.
been able to remove the Appraisal Countryvvide, which is the very reason
24
Contingency by October 11,2004. she refused to remove the appraisal
!
contingency.
26
27
I
, Countrywide placed at least 16 I

2R L -----'- __ ._~ • _
I;
188 / 745 Separate Statement of Disputed Facts

-10-
Cbe ~o SC087-WO
~~--~-~_._~----------~-
U"disputed/Disputed lYlaterial Facts Supporting Evidence

I
II
--------------~ I
(Parks Decl., f 3, I 1-16 );( Samaan Decl., di fferent conditions on Samaan' sloan i I
II
~ 14);(tvlcLaurin Decl., ~~ 1-5, Exh. A). application \vhich she \vas required to I
I
i
I satisfy for loan approval. Those I
6 conditions, included submitting a valid iI

7 Uniform Residential Loan
8
Application, which she never did.
9
10
Zernik Decl., ~~17-28, Exhs. I-N
J I
(Clues Report of 10/14/04,
12
Countrywide Underwriting/Decision
13
Letter of 10/4/04, Invalid Uniform
14
Residential Loan Application, Parks
15
Emails, Smartpages.com print-out,
16
Countrywide WLD Exception
17
Request.
18
19 I
----------_._-
[18. Sarnaan removed the Appraisal Disputed: Samaan was incapable of

I
20 I
II :Contingency orally at 3:02 p.m. on removing the Appraisal Contingency
21 ! I
:Monday Octoher 25, 2004. on October 25, 2004 orally or by any

22
other matter because Zernik had
23
cancelled the contract on October :2 I,
I 2004. And, the terms of the Contract
: '
i
I do not permit the parties to orally
26
I remove contingencies.
27
i i
28 ___ ...L .~_. J

- I 1-
Case \io. SC087-100
Supporting Evidence
3 Zernik Decl., «'32,33,34,37,38, II

4 Exhs. Q- T. I
,
5 I II
~~_._--- --.-----------, I
'I i
6 119 iSamaan removed the Appraisal Disputed: Samaan was incapable of II

I
7 iContingency in vvriting at 5:22 p.m. on removing the Appraisal Contingency
I
8 I
jMonday, October 25, 2004, and on October 25, 2004 because Zernik
I
9 i had cancelled the contract on October
i
10
i(Samaan Decl, 14, page 2 ofExh. 7); 21, 2004.
1I
IIParks Dec I., ~~ 14-15).
I
I Zernik Dec!., ~32, 33, 34, 37, 38,
13
Exhs. Q-T.
14 I II
15
~ernik ~tte~p(ed-to cance~crow at--roisputed.
I Zcmik cancelled escrow on., Ii.
16
1,5:23 p.m. on Monday October 25,2004, I October 21,2004.
17 , I,
k4ier Samaan had already removed the

18 I
Ii . IC ontmgency.
. I!
A ppralsa II
19 i
\I
,I
20 I I'
:(Samaan Decl., 14, Exh. 15). I Zernik Decl., ~32, Exh Q (October 21, Ii
21 : I
I 2004 cancellation letter sent by email,
22 I'
fax and phone), ~ 33, Exh R. (Email of , , ,
23
Libmv confirming cancellation).
24
I
~1-.j\t~U-~~le~a~t times, Sal~·laan has been -~ Di~puted. Sam~a~ w;~~-~~~~~----- -I'

26
ready, willing and able to perform and approved for a loan for the purchase of I
27
the property, she also delayed at each
28 ~-- . - - ' - - - - - - - - - - - ----_.-._-- __
~---._--._----_._-----------~_. .~-----~----------
190 / 745 -12- Separate Statement of Disputed Facts

Court File: "Volume IV Continued" Case \:0. SCU87..+00
: I
Undisputed/Disputed l\laterial Facts Supporting Evidence ,I
I.
\
I.
-~---I
3 step in the process and tJ'audulently I
4 misrepresented her ability to close I
:' !(Declaration of Alfred Canino, ~ 2, Exh. escro\v. I'

I
, '
6 ,B);(McLaurin Dec!., ~~ 1-5, Exh. i,
~4-39,
I:
7 :A);( Samaan Dec!., ~ 15, Exh. )9). i Zernik Decl., Exhs ;\-V.
8 i Ii
I 1
I:
9
I,.,,., ~ernik w~ived the time provisions in the Disputed. Samaan fraudulently --11
1\
10 I
IPurchase Agreement. induced Zernik, through Ii
I I~
1I I II
)
misrepresentations made by Parks I
12
i<Kcshavarzi Decl., Exh. 27 (Libow concerning the status of her loan not to I
13
[Deposition Transcript), pp. 109, 118-19, cancel at an earlier date. Further,
14
1121,123-24). \vhen Zernik issued a Notice to
15 I
Perform, he had the right, per the
16
contract, to force Samaan to perform
I
17 I,
within 24 hours.
18
19
Zernik Dec!., ~ 24-32. Exhs. L-Q.
20 I
I II,
21 \
L -- - - - - - - - - !I :
23-.~Ilt' the ('OUli, grants her Motion for
,
I Undisputed.
i'
I Summary Judgment, Samaan, her i I
23
husband and their three children intend to
occupy 320 S. Peck Drive, Beverly Hills,
California 90012
26
27 L _-----_.
28
191 / 745 S~parate Statement of Disputed Facts

Case 1\0 SC08noo
~~~--~~-----
---I
V"disputed/Disputed Material Facts Supporting Evidence
iI
I
! i I
-,
-'
j-T--------
i '( Samaan DecL ~,. 16, Exh. 17).
--L-.._ _ ~ ~ _
I
-----------i' I
I I ,I ,
4 i
f..--~---- ------~--- - --~------ -f------- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 1
5 i24. ;Parks and Samaan repeatedly asked Disputed. Parks sent no less than 8
6 Libow to provide them with the \ emails during escrow to Libow, and he
7 :necessary documents, including the fully never asked Libow to provide "the
i
8
\executed Purchase Agreement, but necessary documents". Further,
9
ibow ignored their requests. Zernik was not required to sign
\0
Saman's Initial offer.
1I
I{Keshavarzi DecL Exh. 27 (Libow
12
iDeposition Transcri pt), pp. 96, 121-122, I Zemik Decl., 1124-32. Exhs. L-Q.
13
!Exh. 134 );(Samaan Oed., ~~ 5- I
I
14
:I I );( Parks Dec!., 4-13). I
15 I
I I
I
16
17
rs, iDUring the ent-ir-e-h-'f-e-o-f-th-e~tr-a-n-s-a-c-ti-o-n-,-~ed. Samaan fraudulently 1:
I
I fernik never insisted on strict I induced Zernik, through

18
Ilcompliance with deadlines. He I misrepresentations made by Parks I
19 I I
I :repeatedly waived deadlines and asked concerning the status of her loan not to I'
20 I'
I 'for extensions. cancel at an earlier date. Further,
· i
I'
when Zernik issued a Notice to ! '
22
(Keshavarzi Decl., Exh. 27 (Libow I Perform, he had the right, per the • I
• I
23
Deposition Transcript), pp. 109, 118-119, contract, to force Samaan to perform
24
j-
121-24);(Parks Decl., «i~ 4-13). within 24 hours.
-)
26
27
Zernik Decl., c: 24-32. Exhs. L-Q.
I,
28 L.. ~ - - - - - -- - - --_.---------------.
I.
~ ,

-14-
Case '\;0. SC087400
.1
U"disputed/Disputed lVlaterial Facts Supporting Evidence
1
3
,
lescrow, he placed his house back on the

5 ,market. In his email of October 29,2004 he
i I
6 merely stated '" am not going to sell ! I
I
I
7 ,(Samaan Dec!., lf~1 17, Exh. 17-18). my house to anyone else in the near
R future."
i
9 I
!
10 I Exhibit 18 to the Declaration of Nivie
11 I
I
Samaan (10/29/04 Email from Zcrnik
12
i : to Libow)
13 I i i
I . I
~
14-
[2i rv~-~th~~h d~fendantplaced-his
.1
house I Disp~d~Zernik-has -~ot-tried-t~-plac~

15
i iback on the market, he told his agent "I f I, his house back on the market for sale.
16 I I
:Samaan [sic] attorney calls you, please In his email of October 29,2004 he
17
iONL Y tell him that I am not going to sell merely stated "( am not going to sell ,
18 i ii
I
Ithe house to anybody in the near future." my house to anyone else in the near
19
future."
20
I!
21 i
\ Exhibit 18 to the Declaration of Nivie

11
(Samaan Dec!., ~;'117, Exh. 17-18). , Samaan ( 10/29/04 Email from Zcrnik
23 Ii
I to Libow) I
\I
24
26
128. On i'vlonday, October 25, 2004, at I Disputed. Zernik cancelled escrow on
27
!approximately 2:57 p.m. before Zernik
2R
193 / 745 S~parate Statementof Disputed Facts

Samaan v Zernik (SC087400) Los Angeles Superior Court Case ~o SC087~OO
,---_._- --------1
i II "disputed/Disputed Material Facts Supporting Evidence I
I,
--,
3 attempted to cancel escrow, Libow October 21, 2004.
,
I!
4 :received an email from Parks informing
, I
I·
5 him that Country\vide had approved i Zernik Decl., f32, Exh Q ( 10/21/04 I
I,
I I,
6 !Samaan's review of the appraisal of the . Cancellation Letter), Zernik Decl.,
7 IPropertv and forwarded that email to
I, "'
: ~33, Exh R (Libow Email), Zernik
8
~ernik. Decl., ~37 Exh T (Samaan Deposition
9
I 68:20-21 ).
I
10
rParkS Oecl., ~ 15, Exh. 25);(Keshavarzi
11
peel., Exh. 27 (Libow Deposition
j
12
!Transcript), pr. 156, Exh. 143)
13
I
14 --+--~---_. ··-·-----~--~~-___1-----------·-------·--·-·----·----·--1
29. ilflernik had not breached the Purchase DisQuted. Zernik cancelled escrow on
15
IAgreement and attempted to cancel October 21, 2004. Zernik did not
16
lescrow on October 25, 2004, escrow breach the "Purchase Agreement".
17
[WOUld have closed on or hefore And, Samaan never qualitied for a
18
INovember 1, 2004. loan from Countrywide.
19 i
I
20
Zernik Decl., ~32, Exh Q ( 10/21/04
21
Cancellation Letter), Zernik Dec!',
22
'133, Exh R (Libovv Email), Zernik
23
! Dec!', ~3 7 Exh T (Samaan Deposition I.
24
68:20-21 ).
25
26
. Zernik Dec!., ('4-39, Exhs A- V
27 I
!,
.
,
28 L~ ._~ __ ._._~ ~ . . ... ~ __. ~~

-16-
Case ;-"'0. SC087400
------------ ~ -- --
---T~diSPuted/Disputed lVlaterial Facts --'--~--------Su-pportrn£Evidence
l----~~-
3 ;30. ,Countrywide suspended Samaan's loan Disputed. Countrywide suspended
4 ,because it had not received a Purchase Samaan's loan application because she I!
,
i
5 :Agreement fully executed (signed and did not satisfy the numerous
6 ;initialed on every page where applicable) conditions Countryv" ide placed on her
I
7 by defendant. loan approval, including submitting a
!
X valid Uniform Residential Loan
I
9 McLaurin Dec!., ~~ 2-5, Exh. A). Application for the correct loan
10
program, verifying closing costs, and
11
meeting the 16 conditions set forth in
12
I
the October 14, 2004 Underwriting
13
I
Letter and Clues Analysis Report.
14
,I
~16-39, Exhs I-V.

15
I I Zcrnik Dec!..
16
I i
I I
17 -~--------_._--_._------+-------------- ---
1. \The Purchase Agreement consisted of the I Disputed. The "Purchase Agreement'
18
!Iollowin g documents: I) Residential i also consisted of the Addendum to
19
IPurchase Agreement and Joint Escrow I Real Estate Purchase Agreement.
20
'Instructions, Buyer's Inspection Advisory i
11 i
iand Wood Destroying Pest Inspection

,
, I
and Allocation Cost Addendum, 2)
23 I II
,
Defendant's counter-offer, and 3) and Zernik Dec!., t1 40, Exhibit \V

24
Samaan's counter-offer to defendant's (A.ddendum to Real Estate Purchase
25
, '
counter-offer Agreement). : I
16
27
,( Keshavarzi Dec\., Exh. 27 (Libow , '
28 --~---~---"--- ---- --------------~_._----~-----------

I
---------------~-.~-----" ,
- - - --------
-17-
Court File: "Volume IV Continued" Case ~Ll. SCU87400
-
Undisputed/Disputed IVlaterial Facts Supporting Evidence

2
3
~--,-
-----.-.------1
IDeposition Transcript), pp. 59, 60, 64
I
I
[156, Exh. 110). I
I
5
I i
1:::-.-'---- -----~---------t-----,.---'--------
,--------
6 132. ,Mara Escro\v Company \vas the escrow I Undisputed. '
7 I
I.
Icompanv handling the transaction
•
I
I
8 I I . '
between Samaan and Zern lk.
9 I
:~ I t(KeShaVarZi Dec I., Exh. 27 (Libow I
12 I _iDepoSition Transcript), p. 40). _ ~. :-l-;- . . _' ." ~

13
133. !Gail Hershowitz was the escrow agent at Undisputed.
14 I I
IMara Escrow' Company who handled the

15
~ransaction between Samaan and
16
Idefendant.
17
I
18 I
I(Keshavarzi Decl., Exh. 27 (Libow

19
D eposition Transcript), p 69).
II
20 I
I I
I I
21 L-.-:...----------.
i34.0n Wednesday, October 20,2004, Undisputed.
22
Samaan removed the Loan and I,
23
Preliminarv. Title Contingencies.
24 I
~
25
'(Samaan Dec!., ~ 12, Exhs. 11,12).
I
26 \ '
I
27 L...L- _
28

Case \0. SC087-l00
U"disputed/Disputed IYlaterial Facts -SupportTng-E\,idence-------I"
I'
J I!
-, ----L---------
.)
:35 . During the entire transaction Samaan was Disputed: Samaan failed to remove
I
1 1
.+ 'diligent in performing her obligations her contingencies in a timely manner,

I,
:' ;under the Purchase Agreement, except she failed to deposit her initial check
6
,'tor those obligation 'vvhich she 'vvas
~
with escrm'l with good funds in a
~
7 lunable to perform because of Zernik's II timely manner, she failed to deposit

8 Idelays. I her second deposit 'v'lith escrow in a
I
9 I timely manner, she unilaterally tried to
I
10
'(Samaan Dec!., ~~ 4-11 );(Parks Decl., i change the terms of escrow, she
1I I
i~~ 4-15). I fraudulently induced Zernik to enter

12
I into the contract and she delayed at
13
I each step in the escrow process.
14
IS
I Zemik Dec!" 1 3-40, Exhs. A-W.
16
17 r~-----
I
_________L . --j
18
II
19
!STATEMENT OF ADDITIONAL MATERIALLY DISPUTED FACTS
20 I
21
'36~ama~n fraudulently induced Zernik to I Zernik Decl., ~4-1 0, Exhs. A-E, Zernik !
22
enter into the contract. , Decl., ('37, Exh T (Samaan
23
Deposition: : page 1'+. lines 6-16)
25 , I
137. Sa~aa~fra~dulently misrepres~nted the-!~'Z~l:nik-D~~T~ ~Cii4-=-28~~-h~. L-~-----~,

26
status of her loan during escrow, causing
27 !
Zernik not to cancel escrow before

28 --.1... _ _______________________J '

-19-
Case :\0. S(087--100
Undisputed/Disputed l\-laterial Facts Supporting EYidenc;---------j"
,
1----,-:-
3 ! October 21, 2004.
, ,
I I
I
I1 ~_________ _ ~_L _
5
6 Datt:d: .July 20. 2007 Rcspt:ctfully Submitted
7
8
9 By
10
11
12
13
J4
15
16
17
18
19
20
21
22
24
25
26
27
28

PROOF OF SERVICE
STATE OF CALlFORNIA. COUNTY OF LOS ANGELES.
I am emploYed in the County of Los Anl2.des. State of California. I am O\Cf the ill2.C
of 18 and not a party to the within action: my business address is 12100 Wilshire BOUlevard.
Suik gOO. Los Angeles. California 90025.
5 On July 26. 2007. I served the foregoing document described as DEFENDANT
JOSEPH ZERNIK'S SEPARATE STATEMENT OF DISPUTED FACTS IN
6 SUPPORT OF HIS OPPOSITION TO PLAINITIFF NIVIE SAMAAN'S MOTION
7 FOR SUMMARY JUDGMENT emelope addressed to:
8 Moe Keshavarzi Robert J. Shulkin

Sheppard, Mullin. Richter.th& Hampton LLP Coldwell Banker I.egal th
9 333 South Hope Street. 48 Floor I 161 1 San Vicente Boulevard. 9 Floor
Los Angeles. California 90071 Los Angeles. Cali fornia 90049
10
1I BY MAIL: I caused such envelope to be deposited in the mail at Los Angeles.
California. The envelope ,vas mailed with postage thereon full) prepaid. I am readily
12 familiar with the linn' s practice of collection and processing correspondence for
mailing. It is deposited With the United States Postal Service on that same day in the
13 ordinary course of business.
14 D 8Y PERSONAL SERVICE: I caused such envelope to be personally delivered by
hand to the oflices of the addressee.
15
16
o BY FLDERAL EXPRESS: The Federal Express package trackinl2. number for this
envelope is . and the envelope ,vas sent rmode I for receipt
on rday I. [dater
17
18
o BY FACSIMILE MACHINE: The above-referenced document was transmitted hy
facsimile transmission and said transmission ,vas reported as complete and without
error.
19 Executed on July 26. 2007. at Los Angeles. California.
20 (State) I declare under penalty of perjury under the laws of the State of California
21
22
2.+
Lilit Vardant'on
26
27
28
199 / 745
Pacific M()rtgage Consultants
f-ax Cover
Victor Parks
(RBfl) 575-5693 Direct
(509) :.!71.-7845 F;lX
-- ---T-------------~----~----·--··- .
.l'\i Urgent [ ] Ple;Jse f~eview 0 f.>leose ApprQvc o Plc;:JSC P,cply
10: Shawn/Donna Fax Numb...r: 415.259.{)B-5&- 0 'i(..c.,.,
N~mber of P __ ges: 15
From: Victor Parks
o~toe~ October 25,2004
Comme-I,tsl FUlly Executed Purchase Agreement wi Counters (Samaan Approval)
200 / 745
u C ·r:. c." U -'l 'J '., : U -:J I"
p ['
.1 '-.,' ~~ 1 r.1 ':.;J ~If} -/ ~~-; J ...
("'dJ. '!n-::--( :
;9/:.P·22·C4 4;011>",;
i"" ll-mr.\l)t. '!\C.:l. L:J.ni Mnuj
PAC" ;;1';>
r.
Lr.
..~ -"" .. ".~.,, COUNTE.R OFFER No. !~ _

.... <"lo ... "' ~i I. \ f\. ' f..-o.. ...,:s.': I)." !;~no--' 4,'1' {J'\..."C""_ Wl~ 00 USCQ t.- J'\ILAple. CO~)'tO'I" 'O"t1'vt",
....... " ' ' ' ' . ' ' ' ' 0,,' I ".AA. rem! eo, l'{""~CIl101~;)
rnv _.':-<'pt ...Ah-r 11.1CC" ~! l"O't....-~~l.11" (~litO"'.,

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C DJ\ TA [1".<;1:- CISCLOSIJ flL. N(l']"ICi=c, """ Cal,""lc".:l O~~'1r"e"\ Or

Jutt:QO, ~hQ';(j'. d"Jl'l~nrr.. p<>lloo) d~p'~rTlenl':> ~""Ic,. 11.l1I':';(j,r)1iln~ ~~
~'X'.::OO cr ro',? ,n~ '"'a", N~"r 'ocai rQr public:l= l:\ d"h1 ba~ of th" 'ocdlJ0ns 0 1 Pt"'>O')!> req".e<.110
I~v.r ~n!Qn;lI'rnef1! .vl~0r:1i<J" 'Tl"i~t£ljn
r~9~~I"r PUI'SiJ;:lCI tC' ,'~'~o:lr~ph '" 0' o\.'\;'OiYi~lon (C') "I Section 2~D <1 nI ..h Q >:''',,01 Cod<: Tn.. <.l~\" b... ,,~ is up:!"Ie<J en a quan"'fly b.HIS ano a
~ouret: 01 H'lforrn~hl=,"11 ;l1)0vt tr,€ ,('ftV"'pF"J(.."J"l Cr ~""-P."'" 1rw::1IVl~\,J,11 in allV f'0'9hborl1uod. Th,... Ot)})~... f'tmor.,t "'" JlJ.:~'i~ Q:4Q ~'I"r,,:"" ~ :""'.. Cl"f~(~rj('r'
lo",.,t"r....,'lOt"I Lrrv' th'':'IUQt'' wl'lICh '"flUor)",') !.-b'O\lt IndIYI!jf-Jclb I"t"1-'Y~" mAde. n'~~ ~6 ~ '"'JO(Y ~1cphcno :'J'l!I'\!~, C;.4.IIl'M. IT'V".r r\f'p':fl ~~Crf(' ''''fQlIT''''~IQn
,;J~'Ol,Jt irvj ·",.jd'u~l:- lJ1Qojl .:31 ~ c,oc.kln-r.;l. ! nrd'N"n~tY'Qn rt:9d(ding nAtgntlC'lnOQOS ~ (lot ~val;:ttde tnr"Ot;gn Ule ·'9'),r t6teD'1~09 £;(IrV'~e
8 CONOOMIN'U~I!"LA'" "lFO "NiT Dli\il:LOI"Mt:NT DISCL.<lSUtn's:
A. ~I;LlJ;~ H"'S: 7 ("" L' ~ ~_ I C ..y.. Ana( ,~pr"n':':' (0 dl~clo~e TO tlwor w"Olr>er tho F'rOP~ty," ~ >:~n""m;n,u~ or '" Ior,nl"" YI :J
pt .. nnc-d .... '11: devn)<:J:'('()~n' Of o~h"-I" common rr'"lr~'v(,t 4.IJOO,V''''IO(1 (C.A ~ )Tcrvn !JSD).
~ If rTlC PrOP.I}('T"I IS a r;l1r1DI'r'irt i UrTl C( '~ I(.,..{'...at~ In a pl~l'1n~d VI):' (10v()IOt"~nt Of oth~r I,:QmIT10J) ;rterv~~ :"Iub-::hVI:l:lyn. ~ncr h~.., ) (Of r.:] _._--....-.- J
O4I"YS ArW . . AC~D[anCf':o to tec.J~t frcrJ) th~ HO~ {C A.~ rt),.,.,....
HOA)' (l) =O",i~" 01 ~"\I dOoeu~Q"t~ r~~uir{'ld by L~~ lil) 'Jl':..Cjo~ur~ 0:" ;)ny C""1'It1' ln O
Co' :It'l'IC!C'~'~O C'ttim ')1 L\IC:-t,01"' f)y ry ;J:?Air~~~ th~ t ~OA: (,;~~ ~ ~.n~m(lr-.\ 'l;r.HltJ1j~;nQ \hn j()Clttion :'If''''d n'.J~r of cQ'i~rc:od r.;,;a~,('JC) JM 'f(lr,\·:)~
t.O..lrh"1: (IV) CQpIC~ o! !h. rTl~!,t recC'nt 1.2. rnof)th~ .ot HOA l"'nrnures Tor ~9lJlillf A!H1 ~pecrs.l t'Y'i~il""~': :.r'\d tV} ~h4 ,\Q~ ;)(ld C/.1.f1t1rct l()rtjrm~l;q., (Ii
~Il HOA3 90vorn,n9 Ih" PfOpecty (,~O'le>:l,vely 'CI OI~CIM"'e$l s,.ner SohBH ,lerJlze- and der.V9< 1<:1 Buyer all CI D'VI05U~~ I>!oeived from th", fICA
:.Inn .:\r1y cr C):,d05ures ,(I :::>er~':) p~~~I()n P..uycr's aoorQv6f 01 Cl DI~clc~tJre-~ is d ccntin-gP.'0CY rf thi" .AOre~nH~·nt ~ t;PCloc~4d ;('1 i>;)I":'1o~rl" '01
7 CONOI1'ION5 i\F...·CCTl~C r'I~OPCI"I'Y'('
A. Vn"n~ (0(""""''''(' Jor,,"" (I) rt><: ffro~ ,~ ''''(1 (tl) It'
It4 pRFSrNr P"Y"I""I c"r)~llI"n ~" of tho ""~ 0( AC~""-<! .><>(1 (l>I ~ ..l)f~Ot 10
f\vytt,'S Invostlg<Jtion "ght~: (ii) l~'" P,,;,p"rloi in<;I,;<j.ng ~OOI, 'p".
I~"""c:l"rn\l ",nd 9(1)"0,h, is: (0 b« ,'l'\~rr'$a:riW '0 $(,$9fS'lQ""y 11le ~M-'",
con~ll'On ag ,c r :"C -:In'~ Of .I\cc<;mlilrC@. ~nJ (iii} :;>11 jg;brl~ "nej p"r-:onlll property nol jndu~"O ,n th~ .....1.. 'NtIl tle (eltv.lved Dy ;:'I~~ Or :::5cro""
B. SEllE''l SHALL. w,II"n th" time "I""c,fio,j in p.~"'p,... "h 14A, DI:':ClO$S t<irtOWN MATLRI!\L I"ACT~ ANO Dl"rI!CY:;' "ffoecalnQ t'><"
~rop"'r<y, ,nolucllng ~r",,,,,, ,n"'uM"ce ctn,m~ wll",,' lnq, p,)~t I1v" r~r"" AND MAt<l! OTHl!R Of-!;CLO~i,JR£S RCQV'~E:O 8Y LAW (CAR.
rorm ~SO)
::, NOTE" TO i'\\JYI;R: v",. ~"" ,,('()ng'Y 'Idvl?C'<! t<l c(>,,(Juct Inv"..t'9"'llOn", olllJe ""t\~ Proparty 111 ort'Mr to <1fft"rmi...., lis pn"""nt co"dit/en
$; n~o? !'("I,,' m"y n('ol ()<> ""'''~ 01 .,iI drl~~ :>tr"ct1nq tJ>c- Pn>r:'9fty or "t""r ~.or. th~ )"Ou conhid"r 'rnportrrnL ProlX'~ im"ro~\)fTl(lllt'i
"'''')1 ('\o()t ~ hull' ~~c.o.n.jtnQ tQ ~Qdo. In GOmphdl... ~ ..... fth Ou~nt Law. or h41rv. hl'ld Pft01"lKn lR~U~.
D. IJO,~ ,0:';CLLLf<, llvy,,( h..." II'w> "gh! Ie> ,n,>peel.h<O PrO!'<'tty <tOO, ~ sp"lc.lli<l<l,n "",raQrapn 1... 8. OOS<ld UI:lon Inforn~'lon d,,,r-oV<:r<0 i~
Ihort;.Q Ins.p~~i)~: {i) r:.o'JJ"IIf-Ao' 't",~ A9{-eeme~: ar (1} rel1l1~t;.1 th.:It ,/.(')11 ",;tk@ R9p.,1~ or~" ottl~r ;;u;tiQn.
3. nt::~ lNC:l.VDJ.:O A"'O EXCLUOE.D
A. ".JO'T~ yo FUJYfWH A.NI",J 'H-LLr"~: Itf"mt:. 'Ich-:"d':'~ 100hJck.x:I or p')I'cILl:it":n In lh~ MLS ny",r., O( rflArkt'fl"1':1"'"f\... ~r,~I' ,"\fl'.. .....-:rt 1iX.-~.ld~ ," t'rf' pVfj'::h~:;~
trr,(,;V or e)(r:.!'.J;1~(f fr?m lhnt:.o:l~ J,Jf'\~:;~ ~~t'!c!ted In !J[1 C'rC.
8. I~NlS :NCI...UOE.O 'Ii :':AL~'
(1) All C<IS fiNe f;~t",r.. r, ¥d firtin>;l" rhot ,l(~ :rtl~C;hN'lto mo Pr0C"rry,
{l} C)(I'..;t,/"'\Q' " a.-.C1fl·:I, I rY\J"'f,t'I~(\IC"r. '!tintIna. p,vrnbu)Q :')f1() lJ"~tlnc r;~UJr!"'8. Cl'd,nlJ ra~ flflllOrJc;.M (nMi"t";.. (1.oc IDa" onrl I)(~ct(. :".c,IOI' ~)"':otC"'rn"\
hUII'~If""\ Rr-p 1r.;l0Cr:s. 'N:rl(1~WI ~nl1 dOlJr $.Cfeens. ~",.....,~j{J~:'. ~"",vtlc~. wi..,oow CO "f'('yi I1QU , ;lttQchf,d M00r r.:QVe'-(lrog:, ba,1~L',;'\ll)n llf1tcl1n.8:). SBtMUlte
dl&hi!S. Cr1vate !nt~,.~ted ~~er)hor'e ~y!;.f{>m~ ~;r ~n,,\,prg.JCOf1dition(l'~, ooolls:p::a e~u,prY'lon~. Q:_r:.g~ ~~O( 'lO/'l''l~·r.frrWw''ltQ ~Of1trl;~. rl.'li,'boY
In--()rr;:l\}(I(11~n~5r:aCi'lq trfl'~~:~"'(1)t>~. w.,wr ~~()ftpn~I"'lt. \'.... ;;~~r ~.HlrifiA~. C6<:Ur"'!'V <::y~ivr'l1~itl~"""<t: nnd
~.:)) 'fhf' (r'lllfYoNlns ,l~fT)~ _ _ . _~_ _ ~_ _ .
(A> ~~l'e; r~:: th::;l;;)i~T'e lflduded in the" I='"U~!'H'\~ p"ce, unlltM Otn......N~ ~p~clf·~, are·Own~ l)y ~eHer.
(Ij.) AI( it ... (...,~ ;~rjf'd -;hl1tl ';l"? tron::-fRuo:i ~ of lion~ ar'\tf "",mOuf :'JOofHtlr ..,.,~rr~r"rty
C. ITEM1' rXCLUDI 0 fHOM SAL"';
9. BUYER'S INVE:STIGATIOO OF PROPERTY AND MA A"FECi1NG PROPERTY:' mm;

A_I:('Jyp.r~ a('(",m~"ce ot l"~ corl1,1'C<' 01 • .,ri ~"1Y o:l>or ",,,ttN ell'edinll th" Dr~pi!'f1y, ~ "",,nr;"(I~"ry <'II Ih~ "w...,rn<>M :1' "P<'~'r,"'1 'n Ih,c
,.0
p .... ri1f,;Jf:.. ph Jnoj !J'.J'~SI"'I;"~h 11f: V,/ithlt' r~ ~lf"I'iC ~~t;rfto.d In ("J .. r,;)~(~,m 1'10(1), r-l,J'y'IItf :.1!t\1I fiiJI~ the ("gill.
:::n ou,.er·~ (:IXlJ0n~ \Jnlt.l~.. ~ or..,or....,~r<
"gked. ro r.(,na'Jct ·(l~·r"ec'M,s ,n"'o?~I'9~tiDnc, 'eSl~, s\JJV"ys and C'\he' 5ludies C6Uyef Inl,leStl!:l,;.!jO<1<:'), ;"Ci()~~>;J but pol 'irn,led to. ~,.. "Ohl to Ii)
Irl~peCt fOl '~:ta-baso/J' ':I;"l,m find ot),gr J~.....~ tl-a~e<1 p<'lin' htlz.;:"I(OS; (H) it-t"jO~~ fer wood <Je$.frOymQ OO~S;}nO crQ;tr'l'~t")M: (Iii) rp;'Ir<;;N'1 r,... !-~;.~"r"'<f
::>:0" ,?fh.,noc' a..:'llot:;Joo~: (i~) CQI1."IYfY\ 1~ \')iI!lu,,,t;ltl't\r' or Svyq( ~r1d '~p F"~P'9tiy; end (v1 lJafl:"'of..,. f"'l'lrJ>lIof ~t:. to ~ny n"'\~ttllo" ~.~cffj~ in t~~ ottw31M
~\.;t"r'~. h'''H''Il''!'st.\jn 1\0'_":':",''1 <r; 1\ r? r'Jrrn ~tf..o<,. V'!thOVl .r:""'I\ . 't"\.~ pr'or -f1~Qn CJ:'r't~Mt OU>'~r ~"..l;J nolt:tH~r n"nl~~ rl.,,.
<:ULJn~ to bo.: N"l';J6c: (;j ,~",."':""';
Of (le~;lnJC1""'~ Bt),.~~ 1(,·r~-<;'~I~.l~1<~Hl,\ or HH in~p"e~.o<:-nr_ by .,r\.,.. ~o",C"rnr"l1O..,t4a1 bwlrjing Dr "'::(}I"l;""~ ;(' .. rJo"!'~TOT' or 9¢Y~rr"1n"'.el''\t en"f"o'y~t:, u()r~,,~ (eq\.. (~C
bY'_tW,,'
s. e-uy~r '!in:il'il r:O""n;1I':"11-" ~lfyg( \ny~g.ti(J~t'r:' -t cp,\~ .Q~ ,;p'O"("I~d :11 t:'~r~'Or:;l,ph ... .0(0. I·QrYt6v ... th"" c;-onrin<Jor..,e;y or (..f1I·10f'l! thit_l\gr't!Grrle>",t Ouy~t ~horr \,1'1,10"]
:'~Ilnr :n r("t ':~~~I {~cn·("', ... t,.. C')~I"''''' 0~ 11 T:\.JV(l' l.,v~dIO:_'1~Ori :'~Pl"'lo~ 1"'>b~o.rl"'l("d '!:ly (ky""r S(";I~..,r" 'lhnli M~kf' rf'Joft IJ"....OOt-l1y ~·,)./tJ:blc fer .. II \3u\o~r
,nv"'J.f'0,)',,)n~ ~f'\!f"H ,hut' ~,;·.Ie .v..:p~(_ Jr,~ ""le.:tfICI;}' .-nd al' ~r'Hl\D)e p'l~ l'(;)hJ5 '"jn for Buyer., ,nl..'l;~!ig.tiOr'f$ tt""l] ~~rou~" tt'le o~1e ~~~~e!'..G'~I"'~
m~d~ o .... .I),l;)b,~ :0 B ..... :""~,. __ /;
'>","9"';' '0'" '1."' r,-,I_'~0P.,;" "S«',~l;,"lC:" ')' ~rA',·':.'(:"'l;:' ",<C

GU)":"~ In"J~'O' /~1( 9
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nr-,..~rA nl~~!:S> "'l '\'t,) :i',,,,,,r-;C , or I), \ f:{E'rl-i8'~'!d D.. ..-...- O~l£l I, -.~rr~IY~·~
r:AUForHJ," R;:<1rc~nHI\L f'\1"'CIII\,'W "r;l\n""H~N r (~~'A-CA I"A<;C1OrD)~'---~----:-''-"1'1<, -,',
205 / 745
p. ,
P:\\:;E 07
10/2 ~/ <.'(:,":+ l~: ~~: ~l f1s";07S?1
..... ::::·~I 'J( "-'~;1 ; , ( : l ' l l . Ci'\''.j'''';i.n:
3:Sc;JFI:';
10. ~E"'AIj'.(n; p.~~~\'~ ,r~l: \" ~,:,p:"l.('d ~'IQr :0 (;~JI ·.... ,:fi·:.vt~o" "r t:c'''J:: en unl(\~, olh«r",l"", ."1 ......../ 'r ''''"'\;'''<;1 R~~~'" 10 CO ~(~''''.'J ,~t S... I,., ..
";t~(1:VI; I"\"',~y ~". D~1'0r"T)~'" e,,, !:. 0
IQr (1:- ~hrO\.J")h r)V"'l" r'f'J, orr:"V.c1",c In
tit I'M 'f\lr)r~ r"J')~'r\r'.ll"'!l I.... ,fh :"f'Dlp::~bl'" L.1VJ, 'f'~'Jo1l~., ~r:T'Vn (""...,o~t,.l ('tJo,...,....•..-q'. "-(')bur-\'n,
and apl'>(o'Ja1 !t':<;u~~~rr-~. 'i" :~pp~ln; !'.r 1,aL b~ ;J~rf'crrr~(! i" ~ QC.::d. ~kir:t~Jl ~'()flr'le; Witll 'Tct~ririlfl of QU<"1h\)' ~nd A.;l~1'\'~~ c:."mp~I.'J{e ~) 4:J'l(,~\ln',)
l'r'.:!'!'f!::~:L~. \: I:; ')n':{jrp;~GL-....:::1 ;nEH eX'~ct r-A~~cr;niol) 1>( ~DOeaf";lflce or ::r::srn'1tic 'terns rDr~ ....rr'tg ,gJ R~aifS: 'T"tl)' r'01 be O'<"s~ible_ S@'II~r r;h~11' H1 O~L"Iit1
(C'r:t1lpl~ ror f",~c~,r-:; ~"rfC'rfTl"K1 ty ("I'f'''r'~ (II} orec:v('f :l w'ntf"n sc_!@'mc"~ I"d.o..'h~ tflR A.~D.:J!r-t; PJ?tr'!"~rT""\.6d ~)y ~~,!r "n(J t~~ c-'~t~ ", 'l;;cf'l Q~D~''''e' ..lP~
prov Of' CI)PIMI.,.,f ,"N'''''I:;'!(''' .1,1<) ~\.HtlffT'c.tn\" ~(.. RVYc' o:--'Or to fll\al '.'~dr(:Ciltl¢r, of ("~"'rllrton
(Ill)
H OUYER INDeMNITY AN') ~~,-U:R r'RQTr::CT~Ori f<JR CNTKY VI"ON I'ROF'eI1TY B~ye( Sh1<i1: iol I<""'f> '.~ r'r~<ty lr"e ""d clear 01 11o"~. H
R~C2' r 3:1 d:;lrtl~!J~ B\+;1~ lr-,.""r"l !)\JY<":f Ir,\·(~_...hg:::tj"I"'1':.· rH'd {Iii} ,nl'j-imr"'lj(y .... ['10 "laid S.eUt:r tl.;:lfm(C~~ ~r"r1 01/ ·r-..' lujrIt\9 1~blt,,,y, c.J:\lrn~. dc(l~"n~" d~~If'~
;)110 costs, BIJye t ~h~ll ::i3fTV '!' B\,;y~r ~t--sll fQ~l.,Ji(~ ~r.l''''~ ::lC"!lno on ~u';,,::,r'''; be-t'oR,r l~ c..'VTy. (,l'::ll~:~ rtf :mvirrty, ~~rlor-orl:;' con"~,I't"l~~iJOM "v:' OthOr
JPOI,CtlD1o In~';f'" "'C,," dljf('lor"tj,r"{,} ,"',.... 0 ('I(OI,~~in~ sel:'r 'rom Ij'JOdlly (or ~ny I('IJvrJ<C) to pcr~,o!'l" or prop.rty .,c.c.ur,,:na Qvt"lI'l} 8fTy' Ouy~r Illv~~t'.qlltl(',rIL nr
W~fk C(\"e Oil ~)o,\~ ;:'(~D(1.'""·tV :~t !='h·o'\/'(. .. l"~C110f"\ ;:n\;1 lo ,:;;IO~ Of \'.r.O(OW ,s(:/Ic-' ~ Qovi'\o'\)":1 that ~t"bl.,n rn'Ob'!r,tIOrl~ may t:~ ... rrC(,J'::!tJ' SvPL1( by '':lcordm-g oJ
'r"J':Hir:P. of "'if)n-r~5P:)'''~lt"l\ty~ (C ~ r, ForrY'! ~NR) fOf Suyer Irh-e-shqatiDfJ5 If/ld '/,olk "o~~ \)(' t.~e "rovp.rtv :Jt 61)Yo('~ r1jrn('t<nr1 ~1.ryf:?(O:; ':ol"ll!G~t1(\r,
UI}:'1er f'll~ O;Hj't9f~f'1 ~t",~I' :;'Jf\i \/~ tng "'.e(rn:n~'Hlf1 Qllhl~ ~1.11·ea"""~'\(
1.::l, T'n.~ 4NO V~!;TI"'JG
A. WlH11n ('\C' IllT1n ~~~"'ttlN1 . .., r~rl'gr.'1Iph 14, O"'yClr :o;;h:J~1 O<J l"I'Cvldt:'od e CUI'rt:nt Drt':1"rrHf'J,!l()' (r;tie) r~pCJrt. wt'n;r-- IS c.nir ~I' offet t)~ !t~ ~."I~ "-~IJIe:1 ,':
:3'1Ur .'1 pol;Cy oj'll!",:, irl"1'Jr3n.-:-o :met f''''ly tic' COn1~'" ",v~f'I( ·tem 4~(.!'t11'l9 tltl~ ~h,,.·e('.s (eYlet'V of t:'l~ "re/lr(Jlnqry re-pcrt toJl""<;1 ;>§ny Ol,t.~·( (l)dlte,.." W'l1'::-"
'11ny affuet f:'!i,!" ~( .. ~ r";-<..Jr;til1S''''"cy '='1 ~h:'j. .,\c;w'C'rf\ar'\t ,:,;c ?p~:ifi-=-d In p.itr.itQr"iiIph 1 16.
S. r,tl~ i~ ~.(tk~['I ,,1 li<;. t:1'(' ... ~rt ";J"ln.o,lIr;f" 'l~'bl.!"~ 10 .0 ,.I"'tCl.",nt"trQrr:"~-'. o::JttOi1lon1", l':-.o.... ef"l3t'l!O. 6Ond':hCi-r't'), f'Ontn...- .t\.:J''l'lJ. rio'Jf"\!? o''lCj 'Jt,",~r m,'"Jm:)~ '<V~H.. tt1C"('
ot (':!cor" or fin! Li.5 :-1 It (' dl!l\e ct Acc,ppf.jll(,a ~~'l (I) mf·Irl~t.a'Y IIQ~ O'f' '<'COrd Uf"l!e~s FhJy('r 1.$ a.~urnlf,? ~r)~ ObIJO;"r(')f'l'l or U.k,r~'O rr-r-e f"l'fOptl l tv
~u.bJ"C110 ',"Q.~ Jb"9&rIO~~ oM (0) lno$oe mano:<s wnicn Sljl,'e' ~.s a<;l~a 10 remO\"!Ilr WrIt,ng.
C, V,ilh,~ 'he \im~ '1'"",,,,",\1 in p""'grllph
14A. S..l14'lr M!l a CUly ~o dl~clQS9 to BvY~r all n1atter~ known fO Seller ~ffoec:"g 1~1~ ...... hethe·of ,~ra or ~'.'t
n, Al C(Q~..c or ["'l''':'0W O'.J~r ;.h~jl
rryf;'OrVt ;) Q~r"\t rjl:"'C"'lj con"'~Y'no TiNt" (0(, for otOl'":k e¢Opl:'"(OllY«:, "r I')(\g·!~ I,"O~'C' nn ;.J~~t~rr..... r't of .,f't7'C,1.,
crrtlfit:'•.';lfty or 7"~ · .. ·t1l!~r ':So l~'<\~"'t..lc1 In 111 I"V'lI.I). ir)C"hJ~;ng oj), f'r'rIn¢,l""QIl tlJ'd wAtor rlo"t:> lr cu(toQ"tly Ow'1'l .... O by ::;"fll"fr. ririe .,hall ;le~t,''j .jc""lon.:.tt~d If)
ulJ\f·er'.:;I ~",p\~,,",",el'lr~1 ~:'iC{uw tf1~truct\OI)~, .HE 'rvVr.NNt:.~ 0 .... rAA1NG llT~ MA"( HAVE. ~tGHlrlCAN1 LS.C'~L I\NO TAX CON..'SEOUE:NCeS
CONSULT AN l,ppnOPRIAlE PROrES$IONAL.
e. BV'f')r .hoil 'r>CX'I'J~ • CL -AA.L"rl\ ~Q'Tle<>wr1(,r~ Poliey ¢t T!:IQ In~ul,nCl'l. "" rill<l c0"",,,ny, .-rt LJuyC"(~ ro,:/<JC31. ;on provide InRYm~!lon tlbDU! t~"
:l·"n.!;;tb,lr-y, ")~-;:I{\lt:allt)' [,'Jv(""r~"J'~ :)rr.rf (.r.)~~ of' •... (lJlQrn.. lltl<9 in~j.J(..lnCb cnvO{~QO~ (r('r(j ¢1'\dO~fTl<:I''lt.,. If Auy,..' C\6"lrfo''\') t,t1~ C:(rI.~r),~c rrth!")( tf'l6A HVt
(i~'ql,Jl(~ oy rnl"~ ~rdQ".ap'"·, DL'ye- r ,.h;>11 IO~tf1Jc:t EsC(04w }--ioIO~ kI ·,rtfllinO ,'H"Hl 0:iy ;'J(l'y InC(e(]~ in oo~1.
13 :">,<\LI" 01 r.-LJYI":n::; !''lO"... rn·y

A. Thl~ .A.g~rr~('1 I~ 'Jni ~(I~mQ~n~ l'P0rl 1"le ~Ole err ::J!,)'f P(C>PfYTy OWr'l~rJ by 6UY~f.
OR:. t!. 0 (iT ct'H":ckiJr11 T~,"' J)!':,\Cntld ~O"~dvm \G /i. R rFNfYl COr") 1~,~tlr01f)9 V~ "'Jnlirr"}t".v:y (or ~ ~.a'.() 1j1 C'~O{"'flV OViliCO' by Ouy!;" 'c- rt-H)Qr'J:"!Ofijf--<J
I1Hr) tnl" Aly,l,:~nt
\A. TIMI:' PERIODS: RF.MOYAI. OF CQNTINOeIllC1ES; CANC<O'_'-ATlO'" >l1GHTS, Th. '''''lowing tim" po-riod" "'"'v ""'V b .. ~_,,<><l, ~I!o><><i.
rnodUJ~d or chl3l()9a-d by rnvtutM' """'rlt1{'n 3gr~morrt.
"'.ny ,.orn'Ov')l of CQfl'tlO1;il~J1cl~ pr c,:,nt:~U.:::JItion vndf"rr tf\i~ p.olr-;JQ("~')pt1 mw·;t hO' in 't\JrH;rl~
t,e .A.Ft. '-:(,.'0 en)
A, SLLLt.H HJ\~, 7 {Dr Ci ___ ) DiI)'s After "~oCanc.e to delIver ~o Lh"ty~r ~!I ~~~f1:s, "!~CJ~::'f.U(~ .:If'", ,'lrCrTY1dT!o'l tor '.Nf'1lrh ~-;t"IIt:( I"
i"'spongtblR l.lnoer ::-,~ragr~pf'\~ ~ sr. iI'!ln(j B <faA. 7e ~"'1 1L.
u. <, J l-lUYLR HA3: l"'! lOr' ~-; J Oays A1for Acz:uplanQe. vrllC-"!I: QthCtV{i~O '29,eea In W',!irlg. !O
(i) L.O{r')(~r.,..1. All U"yO'( l(l\·,.:,tlQl91!(H'~. ~OCfC"ve .;:11\ O'~C'O':\~lfO~. rT:'PO"~ "rod 01h~r ROPliCJ\Dt~ difOtm.~'trc.f'l, .'Vr-:c,-., r kJycl I~~~';. r(otr~ :.iellt"f; ~n"
.:l0D(ClV~ ,'11 ·1'):Jtt~r;.. ~frp'r::i~n9 m~ P"ClO-:ny (rnCiLIlJI'"'lO lo~d t1_~<'1 0,);'" ~()(j fO-Qd·ba"od os;r-ot hg~51~~ ;J\. .~ f.3'-' ('llh"", 111nflTt:..t lCAl ~~,~,:d 00 rn
~'EH~9r"fl~ ;; arlfj 1':svl':Jb,f;t" Or 8JJ';Ier rind t1;e r'{C'p~r1y): ;<lin::'
(HJ retum!O ~Iler Slgro,eIj CO();~ m St~tutory .and lead D'~::Io~l"Jte1l et~lfVerP,'d by S<3'jl~r in ~~.A;on:J2'r)~ witll 0~(a.~ 5iA-
(Z} V'\f\lrt1n rh~ t'J1V'- 'l..p,"r-:;flM(1' 'r" l.4n(1\. 9~'v~, :-'l~y ,..~ql,lt"""l::'tthQt ~OI,.rl"'T'l§,kQ tq'J;;IA't<:' Qr tllK.v nny QU"l~r
-acb(')f' ~:.rrlJ1l~ th... Prop(lr~~y ·:C ~,h' F':w n
r~~1 0ellor h<f-" nO t.>Qllg.(l~lon to "gr("Je- to or r~&(Ioot1 tu U\JY~(~ r\::q\l~~~.
(3) Hy tn~ "M M."~ ,""" ,-,p"c,f''l1 In 14El(11 (or 21 lOr lo~n conbngflney or ~J roc /lPr--allHll CM~,"g4rC\'). Buy€,>' s~al'. 111 Wlrt'C11j. (i'(11cve the
~cOI;ciJ/)'~:'Y"'''9(!r~y \ r: /,,,,\ fOrM CR) or canc~ I rhi, Ail r~~, tiOwe.er, if lt1~ fOI!Dwmo ITI ~p~r;tJon~, rEl(lI"'~ o( 11SCIo..~lJ~s ~:e not mA~
;",~r.;n ~hj) tr"'~ ,,<;c":r:'~1"0 "I 141\, th ... n 8U'Jt)t'" tl;Jf',. ~ {or LJ ) O:"lYJ: ~f1,.r 'rl"'~i~l "f .lny '::aJ~ Itt'l"!"'r"'\. t)f" ~t'lC' 1lrTl':" ("'.(:I(1ci~~(t In
1.o1,(l(f f ......,hlr;-'","'/t"'r I', !ar,." t,;) (."no'l"O ~h~ .J'P~lc3blo oonllno!tflCY Of C1)."cf""t1 V-lit: J'>.~r~"fT'Cr"1t in, •••m11n:J' (I) g'Jvc:mr"r\9nt.marlo:1att:d Hl~re'::t!('Yl~ fJ'
"'DOJ\& r~q'Jirod OC ~ ~oncjilio(\ "I Dlo,,;,()~ or {iI} C~",rn(l<' /<71""'''1 Ojv:Jo~u..,~ plJ'Wl'Ir\l 'e. p..ar.:lgr"J'h 88
C" CONTINUATiON OF CON1'NGl"N~Y OR CONTRACTUI\L ORUG.ATON; ea.u:~ I'!'~ rIo CANCl:i:L;
(') ~llvr n~ht·o C~,,<~I; l1vy~" Con,JM9""ei9'" .,:>"/1,,,. JMQr fir,n lilYinl) Auyu '" "(>tIe() [0 Ruyor '0 P"~'ffi (0". opt"Clfled twolow), n1"~' ~"(lc01
1I'1.r..... l'.o;i~~('r'\(':r:! \'1 N,'I~ing ,)r"!"'f d:.Jth(l(l:'::e r~(lJrn of rhqW"ts dM~l{ ,f. by tht: ~Imlf":ol' ~PeClrl,,1j In tt1~:s A9~mcn~. nUi'~r ,1096 t'ct r&Mi)\(8' If\ wdrr-g
me ~PPli"::'~bJ~ C'?r't:f\genr.-y Of C.H)(4!" t1, . !. Agreem.:nt. Ol"'l("~ an (''OI'l'M'lgenC:fe~ ""ave Oft':'!) ~m"'l,'eO, fu"'·../fB of fJlU'er U"",yer Of $~Het' to Cio.s-t;
oilr.l:'iO'W (J("f t,rrx; l1''J.y be J b'~cr") 01 t"l~ A9re-c~r'l1
(7J ContJ"..J..;rtlon ()f COO(i(')Q(")('l'I::~Y: CVQr"l P.!1:{'rr' Il"lr; ... ,.q);t'e(Ofi 0< th... 1""1t" 1Q-qC1'''OQ in , f1D<'} Ouv("r" rrr.'ll$ 'he --<).>;1 tl') rn;lN,e:' ,....,.,V.l.... rr. ,oj !-1~llc('
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'/V ( !1;'\'J \:'if' npp:'J:'.,JIbl"" C'Jntu'f'''''f''Iey 0'" cl'l~("'..~d t111l" AOf"O'Qmaf't '.~ntll 'l:"Ik'tr e.J~r8. .,..,'r,..,I..
..'lM ~ "l.(C(1:. ()-no.."} ~OJl.Or ,0<Q0:",,<x A'Vvl"("r:.
wrlltl'lf' t"n' ..'. . ., r) ....71 (). '1" r:0n~jn1.... n':',.5. :r;ollo· rrt'~y ")ryt Cl!ln~ 'hr8 f\.gre.err>6nt pvreu~r"\P ~t;) 14C(1),
(~, 5i",llcu" rifJ'rt to Cnnl":fI"ll; nl)yor CQntract Obll'J0ttOrm: ~nflf'tr, ;JI~"r (rn.t 'Jiving Ouy.er n Nctt/'X" t(\ P-uYQ":a C"o-rfofm (x. l:podfiqd ~''J'\''''>. m::ilY
Cl1'1Gol P"1\"\ ,'\Qro-r.-ff'lenl ,n ..,..."rr~ifJ\1 ;,,$'1(1 .U}~:)(l-UI ftiltV(f) '..Jf UUVlJ(3 o..'j:.IQoSoff Mr ",ny nf ~,.,c folleY'( nO r~.o.O'QT1" (I; rf UU)'C'" rl"l'I"t 10 .1~()o~it r!.,Jnd-: t).':"t
r"1'.1~(',-a t)y 'i.o.. (;1 /lj ('If., It \n~ 1u (111"'- C\Jr;Ol:M.)-tj D\J~v,)r~t to ')!\ or 20 ~ro- ",,1 0'000 1,N'4'l""n OOpo~(,nof" (m) rf A1;yf"( ':ill, U;, o-r-,Vlr;'" ;I i~h'f!tr ,:v:
r~flulrptJ by 2G. (IV) If 8uy'!r r,,;I~ '0 Df"vid" ~""{J<;atJoo a.. re'lu;rao by 2H or "L; ,....\ If SO'I", rll~~()""ol., j;'''l:'I)r:>'J~ of the '/f!rifical;~" crCvi0'.!O
bv 2H ~'- 'v') ir I'\'l)'~r ""Is \:> "'turn S1)tvlory ~nl1 ~9:JO Q''l<:IOS'J''''';>< '""'QviI<><;l b~ D~r;aor'Jph ')A(Zl: 'J' (vii} if 3uvI'( '~IfG 10 ~i'p C' ".,~j,,( '"
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f'.,r($rrt' ..-oga ... ..1lnq crO~1: 01 ~Cl"O'W', , -
(4) Nut,G'J fQ e1-u'y'e-r T0 p:rf.orm~ Tt"~ Nct;.t" t<1 BU'yPf ~o r~(!'')rrr, (C.AJ~. f-::>(m Nep'j ~~'a!L (,) be It) ·Wf1t.-rq; ell) :>9 ~J~r"'~a 1:»-' Sdlel, . .1(H,J (all~ ~1\Jr::
8\1y.!' ~r i~Sf 2.4 fl):" r.J ~ ) "'lours (fir '".J:'"'lt,\ 'h~ tI"t)e ~oer. . (~d 'n ~~e ~POI;r..nnlre ee·"'llgrnlJt1. wnlche'/~r WJurs. 1"~1) >J Id~!" 're .'nDjiC-...."'lOI~
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:) IOF;:JC(;f Of' rlUYf'R'S rlFMOY/\L OF CONT1NCF:NCrr=e: if TIuyer (e<"'(l'JC~ 'r w~uro. ~n\' c,.;'){'n-ol')ncy or c~n~t'~"rn r C>,ts. ,... n!~~ QtI'~rw,;",
~{)f'c:(ed IT1 ] ~eiJJr~t~,v~te~ ~q~~"lX"~t ~tW' OuyN ~;C ~fI~!, ~IJYt:r ~I~~il GC'lCIU'tV~V D\l CONT1Qll 10 h;,lVr (ii ';\~~1plltl'X1 ;lit (\~Y\J
h]"PJ":1L1l~~'O("'" ~nrj rC\lIr:-vv 0'" rCf',')r~ at',j 01",~';' aC"p:,'r:~Dle Ir10rrr1flT'on E\n{\ ","".:IC$\.'''r.'''; P'_'ll';;llIM.()Q ."~ ""laT <XJ'lr,n~~,,:;y Qr ::~f1';-l'IJl1l:~ r~"'~: iiI) ... f~t."l~:·";
T~ r'l~'.-N~~,,:;)d ,.,n h tr'{;l tr-;t"Ili-;J~"'" ~"'H.:l tilfJ ;;I~~l-'r:-':... C :'\1\ :;~b U.y, t'a-s¢ltr'!$lbll.ty ;}~ eXPAn!lp.. ~or Ke~~Ilt'5 [')or <"'f.':'(re"..!!CH'~ (Jf';~l'Iing to n'a! CO.nlfig~'cy 'J!
cr f,), !'A01,ity' I C' ~bt.RIP (VPlnry,YJ
~;.an{'{'il~t"),, "';Jr'f
).,. ,-Fer 0'" CAr-JCFLl.:~nON ON 1)1·pOOli,... ~ rr [).\JY""''' "::)r :,(l-C,..r \?i-,,(!'ll. Wfjt't'qn n.)ocn or r;n()~II:ltiof"'! pi,J.~\JJ,nt +u r .....) t'h\ duiv f::"~n-;I;..u \IIH10'- ~h"C'
t~fl~l~ 1)( thl'\ ~l.~rn~,'-!. Ql)'/~( i)lld ~"'.:I~r dQr-c~ ~6 :;tg.r; riilltu~1 In~trudlo,..~ to 4"11)9) rhe :s..,!~ ~Mj "lS-CfO\lf ?!i"I(1 re!e~~ :::lC"OO!:..it.!'~_ !~~S 1ee's ':'t("I{1
cO'~~ ~ U'~ porty ?ntU",d '.e' tb" ("",,~ Fees ",n~ ,;orn r]'.;]y:>e p;ly~t>le til ~-vil1e p"Q'Jd!lo r.nC '1"n-jn~ fO'3~rJi:~ a"", ~'''cIvct<> V('>ffll'd rl",i,~"1
~~cr;:'" ~1¢J~'" <;1 1')010" w;q ""1ulf'C> mulu;rf S;$l""'\f fI>i....... lr>Clrucll~ rl'CI01 aUYllr aml SQlleJ, judicIal dec;,,;i(ln or ~b;tr"';;,on al'mrd .0\
~rty rn.,-." b13 't.L.'Oj¢-t:.t te a civil p"n~'ty of "p to $1,000 (Qr I.fv~l tCJ 3'9(l iiC\..h ::h .fir;.tJ'"(.IC~IV""r. ,f fr\) ",000 f'''i'.h <:t':tpllte 'C",.....c~ JI'," (::) w~~ I~
~nt"lt')d t,:,) the d¢p~ltcd fund'S (C 1..... 0 Cod~ §'10£7 .~_
15 ~ INAt.. VERIFICA'(tON Of' CONOf\lON, 8WI"r ~t81: l1,j"~ Ihe "I'';h' 10 rr~k .. ~ Iin~1 iT19:or.<"t'cm ry/ inc Po-Q"""~, ",,;'h,n 5 ior ~__ I Pdo' oay"
lo C:I~-.;..c Of r"'l.e~ ..... NOT A~ !J. '-:-:ONTlr~G~NCV Or TH~ ~AL~. '!'lvl 'tolQ'Y +.0 ,;o,.,firTT' (l) ~Im P"Tr.o-:-rly 19 r'I"'.;t.lnfn""--<.'Ij t'U~lIA()r t,"", ~r:,g~h 7/", (I.)
r{O('.1Hr, "o',n ~~ .... 0 rcrrOi,.,.r,,-j .:;,~ ~"'''!i''''''O :J,("\(J ~rBl ~I~I M:).'. <::OI .....i)\l~(1 with ~ ... II~r'~ O't'HH abl~at1()f1";: l.Jr..-1.."..1nrv r"l,,;i'Q.-:'tr'Y'w:l,'lt
11). UQU(OATE[) DAMAGes: If Buyer fail:s to complete this P\J(C.h~~ IH~Ci'lUS~ Of Blly~r'~ ctrrlllUIl, Seller "3'h~,11 rotnin,
;Cl~ liquidJltcd damages, the deposil actually paiCl. If the Property is i.'I dwelling With no more ttlan four units, one
of which Buyor int~ot1'S to occupy, tTren tll~ <lmOlJOt r«:alned !';h.1lI1 b@ nQ fTJor~ th{ln 2% of tho f'lurch~c priCfl.
Any ('xC",!:,» ~n;}H tw r"tLlrn~d to Buyer. Rel~ase of funo$ Mil rcq\Jrro mutual, Signed r~o~e l~tnJcliom: from
both Buyor and SolIQr, judicial decir;iol'l or arl>ttration aw~. BUYER AND SELLER SHALL SIGN A SEPARA T~
LlQUIDATCO DAMAGES PROVISION ~~R_ANY INC~ .. ~Df;POSIT (CJ\ R. I='ORM RID} ~ _ _ / ' ~
r Bl.t" ~""':9 r""'I;.a IQ
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H. OiSPUTE RES0LU,IOto/:
A. MEDIAn ON: 8'",,", 3M S",II~' ~9~" to ''r11'ld i"t", ~r'Y d;8;J~I~ Of ol~i", ~rh;nQ b,,!W<><'>n t~"m out "/ th'~ A<Jr=menl. Of ;,r.y leS"l1ll~ t"'ln~,;jetJnn
b(Jhr'.;' r{l'CiH1IflO ~o JIt"!r::'l71("r' ~H c"v't .:7C1,O<'"l
;:O-Oq';V'Oh,,; 1;-~(::?1 ~W1(f (~'. ~Q'IO"'N ~l'pty WhMr.1H 'Or not tt"r~ /\rbin~lr\.l" ur() .....I~ll)(r 1:iIl 1I)lr,oJ.-j. M~\Qt(')n
1"~:l ,t 1(ly, ~tl.jl ~e dlv~(;d ~QiJ}lII'f ~rNJ"r,1 ~t'1~ p:..rtl~' Ir1V01V/':-d If, rf)r tJny C.h~pl"J1! 0< C!.1)rr" (I) vVl'tlt.n ~!"ll~ P""J)O'fPP" nny p.:i'lrtv cl'lm~"r:("I\ :1r.r1r"""
)" .'oIlon w'lt'.ov\ r·co, ulte<Pphng :0 re50t'l" tre m~ner tllr(J\lgh mediation, or relvsgs tel Y1ediate atl'll a re<lues\ ~;,~ 1>9<''' "';)<1'/, IhQn thD' p>r"Y
c"~"~ 001 b~ ,'r'~"c! 10 rCCl'vr,1 ~!'tJ)m"')· r,,~, ""'M if lh~y wl)Olp o1n"",w;;~ be .q"allllb~ 1\) that P<'l1v In a~y ~LJc!l at~on 11-115 MEDlI\TION
""'JVI3ICN A;:pur<; 'IV"'ETHr.I~ 01< NO' ;fle ,~HUITFV\TION PROVI.':;H)N '05 INI'frAL':O
8 At'<8I1RAIlON Or- OI$PUi'ES: (1) '6uy;,r and ~f1Slr ,!lgrc~ thllt 3ny di5pUOO or claim In t~w or tIliquity dri~ir'!9
betw~n ttl{'m O'Jt of tl-,is Agn!'(>mnnt or :my TClsulting tran~""¢tioo, which is not settle-d th,ough mediation,
!"hatl b~ d('cjd~ by nroulr..', bInding ,,(bit,",~lon, Including cand subject to par.tgr::JphS 17B(Z) and (3) be-low.
n'e ",bilrJJlo( ",h.. 11 b ... '" r.tifod jUdQO Of jU':IItico, or ;)n .. ttorn.." with at le,,!)t :s ye~~ Of r<l£:i(fjOnl:Jal r~ ...' ... ~tllo~
Law (,'xpenence. unless the parties mutu;,.lfy ;,greo to a difft-rcmt ;>rbifrotor, who '&h311 ronc16f "Ill .-.w-.ud in
<lCcorrf.lIlCe wl(h sUQswntive C",liJorni"" Ut"". Th~ !»-rtl= g~11 ":lve the right to dir;covury in acco.-dan'Ce WItt!
C""lrforni", Code of Civil Pro"",dum §1283.05. In ;11/1 oU'1<lr r~JXlct3, tIM ~(bitr2ltion "hall I)e conducted In
.,c-c(,rd.lll1ce with Ti1l~ 9 of Pftft III of the C~lifornj~ CO<lt Of CIVil PrOC"Ol)ro. Jl)dgmcnt UpOrl th~ ilWMd of th~
arbitrator(s) may be entereu into "'l1y court h;tving jurisdiction. Interpcctatjon of thfs agr€'t!mellt to 4frbitratl"
shall be governet1 by the Federal Arbitr.rucn Acl
(1) £XCL.U~IO!'J5 'ROM NICOlA lION AND ARBTHl,4,TlON: In" ("Jll)'IVinQl r1I~f~ Aft> CWclud<l<1 (ftlm m<>d1M'"'' ",,\1 "rbltNltion: (I) .. judiei,,!
Of nO(llU(1'CI~' f'OrVl~"'»'1ljr,> or- ot~r .)(;1)'0" Q-r p~dh"l~ to ~.,toroe ~ ~ of tru~t.. m'Ort<I~~ or i ..... .,tftffmel""t hlf\t1 6affJ MM'J"':I..C't ir't dcfu''roo
ill C"lff?, nl. Civil Co<;l'il §;Z9~5: (Ii] :>'1 UIIIJlwful d&!.lIIlocr ar.tl()n; (III) the mlnil o' IInforcem"nr. of!l m~nlc'~ lIerr, Ilnoj (iv) 1'10) rnaff:Q,- mat
i" ""It,hl" th~ illrivh~t;"'" (If" "."tL,,,,,,
c,"~n "bim, ~ b.,.,.""p!Cf court '1ll~ ~r;ng of /I court actiol'll<J ""ilOI!! me t'OCOl'dlnq of;l notlcl;' of
(l.(tr .. rll"\a ~t;(\t"l, fr)T nrr"t:lr ryf ;:t~~hrnC'nt, r-~':crv,=r.,hi-p, InJul'''lCtICl''h f'j( OthC'r p(Oy~rO~f r-e""'~di<f'v, ~~'I f}<')t consHt)J~ ~ w::IN",.,. r)f 1hf'o.
('f)tJtJ'.(I¢Cl ~r)ct ,liI(bltrat,o,., P-(OV1.'on~.
PI 8ROK~RS: Buyer aM S ..IIe>< /l()l'~ to ''''oitlte 11,,0;1 3r1)itnrltt cjJ"'f>~:S or d,"'''''' ,nvolv",,, olth~< or both 1'srv,>NY)(I5, CQM:Is!eflr WJ1!\ 17 A
"nd B, prOYllllld ('JUler or Dctl1 Brol<<<s SMll have ~ ... <'Q 10 <;uC'h ",ocI"'~<;>n or "rb/'..r:allo<1 ~rl"," to, or 'M1hJn lit rn=onGbIe ti......" "'''''r, ,m.
O":;H,UJ~ or CJDI,.,l I~': ~!;lI!iilntcd t.o R,o'Jcpnt ANt f':lll~tt'nrr hy ~ltt1,..r ('\r both 9ro~rJ. to p::lrticipnts:. In r"f'l-c'di.:d;cn 0(' ll(bitr.rtlol1 !ih",11 n¢r ('r-sult
Hi SrOIc~r~ booing d('.,.tl,~(j P"d'rti4d:h to- ~ht: A-g~rnt:nt.
"NOTICE; BY INITIALING IN THE SPACE BELOW YOU ARE AGR.e'EING TO HAVe ANY DlSPUrr
ARISING OUT OF THe MATTERS \t.JCLVOEO IN THE 'ARl3lTRAnON OF OIspurrs' PROVISION DECIDED OY
NEUTRAL AR8fTRP,TtON AS PROVIDED BY CALIFORNIA LAW /\NO YOU ARE GIVlrfG UP ANY RIGHTS YOU
MIGH1' possess TO HAVE THC DISf>UTE LITIG.AY~D IN A COUKr OR JURy TRIAL. 6Y lNITIAUN~ IN TH[
SPACE BELOW YOU ARE GIVING UP YOUR .JUDfCIAl RtGl-!TS TO DISCOVERY ANO API'EA,L, UNLESS
THOSE; RIGHTS AkE: SPboc;lFICALLY INCL.VOeO 'N THE 'ARBITRATION OF OISPUTF:;' PROVISION_ IF YOU
F{'=TU~(; TO SU~I\IlIT TO AROITRA,TION AFTER AGREElr~G TO THIS PROVISION, YOU MAY Ot: C:OMPF:LLE;O
TO ARBITRATE UNDER THE AUTHORITY OF THE CAUFOAAIA CODE OF CIVIL PROCF.l)IJRE. YOUR
AGREEMENT TO THIS A~BlTRATION PROVl5JON 15 VOLUNTARY."
_ "VIfF'- HAVE READ AND UNDI.:R,STANO THe fOREGOING ANI) AGREE TO SUBMIT IJJSPUTtS ARISING
our OF Ttle II/lAITERS rNClUOF.D IN YHE 'ARBITRATION OF DISPUTES' PROVISION TO NEUTRAL
ARBIT~,6,TIOf\j." I---'--~-'~~-'~ -~-_ .
. ~U~~~~! ~~r'., InilJ.. log !
·----7
,,,~,n't,,,,,, :2J;»(_00.
I
IJY}.• . ~ ~
r;,r;r'f'r,}~' -h 1 v.... "1. ,,:"<:::, ,-...:A!-I,r'Jt-Jl\.,\A A~,XOr:-ll\ i'C"l ('c PI7J.. I ~')n~ ll'j,-::, Se:/(l';"r
J
, (r-it/~ _"I ( >( ~ l...:.J
.JJJ'I'.. -c·\C'.• I/I'""!r-r;'r'I:w'](r-I'\'..~r:~,.~rljl rR~.~~~.. --D3"e -~ ~'~j)-~~"'v'~
C/\C''''0nr41A n-r-.!;'ir,r."AT1I\L f~'J~HA8r; j\G"P'I;';=:"I''''~N r (~n1\~J\ ~ ...'\~"" ~ o~ l=I) --'-f>7,~'?:' ~(" /_J':'"
207 / 745
3Ef'-22-0-1. 3:":>4"·
p,·:c"ry A,:)drr'.,· ~~~~~.;, ,C~':£.:J,s!-,~v('r1x' II' )1.3 ;IL...J.~... __._._. r;'il.te:;Cii~~\;..L...4-J..."JiJ.~-~
1-8, P~ORA lION."; OF" ('ROpeR"fY IAXE3 ANO OTHER ITEMS, Urless otr"1\:rwi.~e iJWeed in writing. ItII'l f0Uo-,VIT1l,1 '\'?rllS r1111: ho PAC'
clJ~~EN r ,')r;~ ~(a(~t~rj PJq.fvv-een 9rJy'?," ;":fr)d S~'ll!"( ~s:. of Close Ot E"s:;g(")V,l, r~<ll prcpt"'rfy l~xes ~nt:1 ;J.~~l:"~~mpnrt:'. Int~"""ot. r~rn~
HOA ~';ltJ!¥ :Otlj·,,,I. ;,"0 (JrnNC)'lIl<;,1 duo~ Iln<j ",~().fIJ::Im,:,nl'; HTlpt)c.<ld v(:O( to Clo~,~ 01\:':;'00\1'.'. pr",rnl:J,'Y'~ Orl !ncur.1nCC /l~'lJ(lC!:'d
by Buy.;-r P">"':i'nt(; ')n t:·Q,"CS "'f'd as:resSr'l~nt~ .~:s:1ume(1 !?y nuyer. ;H'd pavml!>"'~ on rvlp lo-Roo" ;l"CI Oth0C ~r'",-:-'<<lAo.~,,,,,,~,,",,,,nl
;)i"ll!>C\ b()f'd" FH"j ~''i-s''S~'m,nl~ thot me now" lie..,. ,.~ fo!lowlng il",,,,.;: s.h.,)1 t>~ ,,,,sw-""d by 6uyN WTHQU r CrlEDI T lC'w;'\I'd the
pl,-lfC.h(Jt,~~ pnc;p; P~0l ::H~j 0.~ym~1'\tc t'jt'\ MQ.(lo-R"0\)~ 'ilr¥1 ('f'~~r Sp'~'Ci.~ Ac~s.,..cr"O:.\l Di'$hl~ ';.v:.,-no(j!1. oli<1 3~"~'tlir.f11~"\~~ ar-t(1 ~0A ..,.pr~·oal
,:t:J,:se:".ll:)f1lfl\rtt:-. t'1nt -+:"'C ('O'N t"f t~~(""l bvt r"!O~ yot r1u~. P~p"'rty wi.'
bo "''I''iI_Ul~e~.ccQ uPO(l ChQf'WJo .;')f Owi .... ~~hlp .. \nv "l1pol..v'·)~nb.l t...tK bIni;,
"hllIJ 1)" 0Clld '-'~ roil,-,ws OJ br ~erJCCl~ ;;Jll", Oc".. Of F''lI''..fOW, tly· Bllyer: rrd (:1) to'- l'eriM, pnC r to Clo~ or C:SCl"l)W, by $ ..1I'"r. fAX
BILLS ISSl)EO J\FTER CLosr: OF ESCROW SHAU. 9E H,\NOLEO DIRECT'_ Y BET'.'IlEEN BUYER ANO ::il:-:LLER P'ofat,Of''l sh"Jl
b", n,,"ce tK"ccl eel .;l ]0 d"y .-non'!)
1'). WITHHOLDING TAXE'S: S<1:!or ;lna 8u)'Cr ,~9[f'" 1('1 rx'?cut" .~IlY 'n""\J<n<;,()t. n!fidflvlt, ~tate(nc"t Dr "'9trv(1'Or\ r0,'·,O'·",bly n",r;",,,,.~)'J'
I..! (:D()1Ply ,-,,'It, '00('fi'\ rrJ"-'''TI\) ~r1(l C<llifom/n wlthhold,rg law, If reqiJlred (C.A.R FOI"T"r' AS SInd Atl).
20. MIJL11i"'Lf. 1.ISTI.~1S SER'J1Cr::. ("NILS"}: g{Q~",r!!. 'Ire :;\\.l1h(1r7l'.d 10 rl'lpor\ 'c() Ihe MU; ~ P'\i\M1n9 sale ~n<j. 'J~'n CIoS€ 01 Es';1"oW llH:)
I",rrn", Qf 1"is lr,~r·"",C:IO" to b .. Dlr,115he'J "'l'~ di~~-'1n"1lr)~1 ...0 to rl'"'rGQnl; and r;>nritk;-~ :'lu1.ho'b:ox1 !O u~~ the inkormotJoo on t"rmtl
~r-P(nv~ l:Jy thl":' 1~..1I_~
:'1 EQUAL HOU~lNC OPPORTUNITY. ThQ F'rQperty 1$ .. olt.! il'\ cQrnpll;\('cn with fOO8r;iI, st<1te .:md rOC~lI an(r·dlcc","niration liSWIC, .
22, ATTORNEY r:Fe:.S: If' ,my ilC1iQn I"ro~e""dine. Of amitmtion tJetw~ Bwer "I'd 5ellei' Mj,;jnQ out or lhl,., Agr(,1"menl, HIll pr"voil,,)g
fluyc.. Of Sltllpr .. hall De ",n'~I""d to c'lf'S"n:Jb'" .;Itlom"y (",eo. :>nd (XlSIG fr'Jm th., nO.1-pl'ev..iling Buy"r 0'" ~,rller. except ,,~ orovide<J In
p"r~grJ:lr>T'I 1 ~,t;.
Z3, sr::LEC'r10N OF SERVICE PROVIDI:':R.S, tl' Br()k~r:t re-!J.lf BUV~f or S~l~r 10 pe~~, vendO~, or ~ervll:;e C>1'" f\rol"lucl pro,•.o"""
('Provider!"). broke:~ GO not Quar<l\lt",~ IIw perforrrancc 01 "ny Provi~ers. Buyer an:! Sell~r mflY ANY P,-QV;lU>m of melr OVJIl "'''''=f
erlco<,n""
:>4 n~E 01'" r"SSf"NCI". ,lIlnRI" CQN"fRACf, CIIANCF.S: Time i~ of 111~ (lO(;.OIl~" All 'In('1o,,,.I,,,nd;''l),\ bMw"''''''' th.., r-"1,,"" rrr",
i1cOtO?r('led Jll It", f,q(~P"'''l. Itl' lerTTl$ life 'ntel1d9d by tM Parti(:1~ 11(1 a 1im.1, comp'olll "If1d e:<du~I',c e}(pre5~lon rhe,r or
!\gr~e01".nt witt'> r",,,pecl to it~ ~ubj"c1 mott"r. anCi may n,:,t 0., wnlradic;tflld by ~i,1<!nC': of nny pnor ~g~cmcnl o( cOf1lempo' .. n~ 'uS
~,.:;)l ~f}r-~€,n'"'''"'' if ~)nv ;JrO"f1.:(')O ~f lMi~ Ao(~rn.c("lt If; hplr;i ~~ DC !n~f~ctlv~ or InVlJ(id. lhr r~m~ining prO\·::1i.cn-3 wiM neYll'rfhi;>I,,:'.;r... be
~lv~n ~\)11 iOf(·. . ~ 11.1111 otfo-d Ne,tnor thi~ J\~I"""MO'rYt nor "l"Iy 'P'i'OVI~l~ In it m;t.y ~ o y,wrrd-e-c , AJ"Y\,.,nd"'d, n1f.)(1lf~, ':'dt~(C"d or
Ch"n~ed, ~'Xcgp1 in vvritil1!J Sigf1~ by Buy.i and ~eJl,t~r..
25. On-l~R H!RMS ANn CON01TIONS. i~cIuding Eltl<,-:hea 5uPI"'emcn~
A i7tA-"!Y~r':S 10S@ctlo n ;\dvrso,J' r . C . A . . R . £ . ~ m ~ 8 1 A ) . __ ~ _
G. O.£.·l,J-'"s~;)r,('_t\sr('r~r:,lAdd0I1dU.C':'.i.CA,I-< ~orrn ~A,A~m!).""'· __.L_ .__ . ~_
C. 5<"ll~.l.'.V---.MLR'E:l!"~A~";J'..!l-~<l;U1 An """"une '2lO" V.' llQ;;C"o>d;~ (('orO b?"'rcrwl;J... QJ:..J;lul~aJ...._._
]:>tg:=},~§..~J--';;JL.Ii$'~J...P_~_~'·!;",9.\=~~~~1~.[;,c=" ...
10. 06F'INTTi"()NS~A"J~Qd,.' Ihl~'A9(<:l6,m"r'lI'

A. "A~"opt:lnce" rnc,~n~ the 'im~ If"1t;> off.", or firOlf cOLinler orrOr is ~~tl;"Cllfl writin~ by '3 ptJr1y ;mrj ;:t j<;"v!.'r~ ~Q ;)nc! ~~Dnll"Y
r""elv9d by ~e 0 rr er prty at tr1llt p{J rty'~ autroriztd ,,~nl in aa:;ordance with the terms r:Jf lJ1is C'fter or t' (,nal counter orfer.
3. "AgrQQmOni;- m"."'"" ttl .. l(!rmS ""d <;:orr<:lltrons of ttl,..
"ccf'lpr~ C~lifomiCi Resldentl,,! P\I(CI1:,>9'.! Aq~cmq-j)f <lnd ,,"y "c'C~pt~d
CO'mtCf 011'1)(~ ~.\t)(l ;;dd<'''OJ.
G. "C.A.R. F'onn" 11~"'''' ~~ lh'" ~I',,<;;rlic klNn rt~r('ncerl or 2lr\Olhl!.r cornpsmble folTT' agr'.ll'ld to oy the pt'lrtJes
O. "CIQ$.e Of E,,~r¢VI" ne'.lr,g the date me g(:<Int ~~. or othQr l"vld~~ of Il~o:o,lcr of 1\1\e. if' r~cor.je(j, i II'." M·.hf'><lul~ <:lOgO cl
/!'scrovv f~lh c:>n I' ~turrlQy SUf)(l<lY or 199.'l! r,olid"y. 1"£1" c1C'!le of ~~crtlW ~t",11 b~ th~ Ilm(! b,,"iness Q;lY ",ncr 1M "cheduJed
CIO~ of r}~C(OW dl1H-'
E, "Copy" rr"'oars co>;y by )rlV m€<lITo, ;nuudln';l DhGlO~OPY, NCR. f:;lC9irnlle and I:"eqrQIlC.
F . . . ~y"" fTlP"IlS c,)(o)"dnr days. ",",iO~S 6thefWi$p. ,gqulred by Law.
G. "O:lY~ I>,ft~r""""(ln~ tT'l", ~c"'ao ',umbO' of t:.'lll'!l1a~r dliY~ "t1 .. r t~ OCCUrr"'n,;f' 01 the cv~nt ~.~~lrl<td nOl cClTItltl'l t'19 ='..,0dar
do~~ on V./~'·c,"," !ha "'OI!'C·1if',(1 ()vnn~ oo:ur ... ~no 1:n:;1\nog ;"t 1 ~ :~DPM 0(1 rho firUill d,)1y.
"', ·'Day,. ?rler" rne"f)~ me ·>p",r.,r.eo nUlTlber D1 c"llll~nd"r roy:;. bef()r~ lt1~ QCCIJ" un<:-9 01 \tn> ,",ven\ .. p~ifie<.\. ,'<,\ -:;0""1'''0 th",
C;-"lenda[ d,'Jt'? an wt'trJ1 II>.., ->pcci~C1l;lv~nt i~ ""cheduled 10 ouur.
I. "EI(lcrronic C'''~Y'' or "Erl"'ctronic Slgtl!,IL..rQ" me~ns. <J.S ~ppliCJble. ;:m <tlectfonlC Copy Of ~'9I'1ature- ,:omplyif'9 w11/1 CR'rforn;/}
l>ow ,,",U';{\r and u .. flo r IlQ"'" thot (JlndronlC m~Dns Wltl '101 l)c 'l::led by .. rth~r cn"y '0 modify or "Itl"r th(~ Gontcni or .flteqnty of :JJ.~',
.'l-gre"",en: 'M!nO'~1 the ".I'o"':.... dU'il and e<)(l~... nt of the 011'1,.,
.1, "L"'lw" rnl;~ns f)r1'f':Jw, ~"Yle. Stl)It.'j~, ordlr~;nr...e, f1!:9lJ~ti(ln, rLile or OC'der, whr.h i~ SaO(l(eCl by a conlfoWinq dly. GOIJI"lty S~le M
f;d~r;ll le","bFi'.'~ )[.,dic;;;I?r '?~"'cuIIV9 body or ,'1gency
~ '~lotIGO tv Rvy.;,( tr, P<>norm" "$::;ln~ n dOC\Jml':(11 (CA.~ 'orm N!'.P) whictl ,.h;~H bl!' in writin'") ;And Slgr~d by ~vli(l( .-:ltld '0.1[1
g,ve Buyer at 1"2"1 24 h0U'~ (or :IS v(!)erwj:slt C>:P~ifiP.<l in p.8r.;ogr"ph 14C(4J) to remove :l contJ~.. r'Cy or porforrn ;';
apOIJ,:"~)I,,,
l "R'i'P~jrc-- CTH.';:l"S ;;J"\' '/jp;lir:'3 (",::-Iur:! "1 pe,t oo~trol). Q1te'2tlonll. r"pt.l1cements, l""o1jif,~flt;Qn~ or '<I!:or.\Ij"g of tl">" P r 0pe rjy
pi O\Jlrf"'~ (':)r v:'r)(', th,",,: /\~'Ct;"')~r)r
M ;?'9'H:~·d·· (n~"ll"" ~'Th---:r, .... ""';IP<:f\.'V~ttt"!n (,)r $JodfonlC) ~1.i1n~tu'·''''!: ¢'I ~(J ':Jf'oin:.:al dor,;:urn~r't. Capy or :"-If)Y cc!)nr~'p:'Ht
N ...... Jn9ular .onoj' Ph.J.ral {';tff'r"'S P::;;;d'"'r r(l(:JLlO~ 1he;. ottH;-r , 'NI)p(l aPl="("~pfk.)te -
208 / 745
\ I "t. <:' ~ • I.J .'\ I JJ : U " P
p. t \l
f>/\.GE S,'1S
'27 ~GENCY· .
.A OISCLOSURf: K\Jyer :!!:H.1 Selrr QJ(',,'1 ,"ci(nowlc("j()~ prior rf'<:~ipl of CA.R. f'nr", 1',0 'O's<":JoWre RQ9<"d'r'lg Do;,l Est~'! Aq<>n.:y
r; ~
: ~'r:;Jlt('I'~h I
(1 PC) ~ e~li"l LY COMPCtlNG Bu v !":R5 AND Sf!lLE'~S: SIJyer :.>"0 0"II~r ea-::h <tCKnowlMge reC<'!ipt af Q d,scl(>~llr" or th"
po",~irl';r,/ 0< mtlJli~f" ,r..prE'Sent"lion by tile BroKer '"prpQ~r'llil1g t~:>' pOllcjp"i Thi" Cli$o;!osu"," may
t>e p"'n 01 ~ li"on<;l "Q,e"m""t
b\JYFL''''I'':\K~'' .,..I),'.... f"monf (~\r ~t")~OJr;;J;te ,j':'IC\.J·n~"11"
(CA.R. F'OrTYl Of'\) OtJ';'4!'1" t,J('tdt:'I';';CJ.r..d~ thCtt 6rOKifjr ~t:"(~~n(I"Q tJ'..lY~( TT"-"y ,'lho
'''p,,,,,,enl 01110r pOlefllrol buy>tco. wh') 'flily evn(\,clcr, maKe; ottilft:> on or u'ti'nCl1<t1y acql1irl" fPl" PrOPI>r1y. s<'llor U110~,M"",h 11'::1
81~e: IQo,e"e\)!In? S..II,,· rr,"'Y ~hD ,epr~S!'l..,t olh~r sel~s ...Illh com~lIng proP<>rt,el'- of 'nlC'r"""t to this B\J"m.
C. CONFIRMA noN, ~'w f')IIQV/,no <J9C:f'CV r"I:lli~sr,l~ '''il rereby rontirml'ld for thi", tr:;n""c:ion
l,et,n~ ;\q<;"1 .~~__ " . ._~ .-C.(;'.l.~~M:Pr. (PmIt "!nn N"",'~) i" th", :1\,1('<'\
of (Ch"r:" on,,!' l.l/l t."'''' Sl\Iljer e~clu"ively' 0' 0 hott1 :he Eluyer .. nd S",II.,(.
S~lllr,,] II,}",,,, ~ . Yi.lrl.~Gri «in llJ(;;tl.tor;8 (Prim F,rrt1 N",m",) (il N.Jt ~"'m"
;l~ li:'d'no ;\W· n1 ) \-:. In", "9<,,,t 'Of (.::,.,';;k on,?): m tnt' Ouyllr ~XcJU"i'/';ly: or 0 lt1e- ~ .. I N C! ornh 1"It'! :.Iuye r ::Tr.d
':)(Ciu':\lvP!v: or
SoIl.." H",~I r::~·.:'t" B(o~l:~ ;<rlt "r.Jl D"""'S I<J the f\.Qr.. ~mt'",1 bdW~l?n Buye, Ilr1<' S~IH,o(,
28. JQlNT eSCROw INSTRUCTIONS TO 6SC~OW f.l<)l.OER:
A. lh~ follQ.,rnq pu... ~r,'phl;. or .. pplic",b~f! POr1iOO9 tfl(-reOl', Of ihh '\9r.."qrnC'nt CQn9 t,itum t~ "'illl f'serow i""truct,<:m~ of
HU'I"r "J)d Scllvr ~o &c:;mw Hol"Qr, w/"lIcn L'>t:row Holder i" l¢ (,l;" I-kmg y.lth Onv r"lutco1 C:>:;nler o1kJr" cm(J .:Id,jcndll. ~nc :-'1'.'1
",r1d,f;,,)"~1 mul"sf InM,ur.1!O'l" to do,;", the ~,.Cr""",: 1. ::I. 4. 12. 13B. ME, 19. 19. 2.... 2::;B arld C. 2G, 28. 29. 3:.?A, J3 <Ina
r"r~gr,-'pn 0 of lI'c '>ccrion l;tI~d Re:ll F=st~"" 13<01<.",,,; on p~ge a If :a Cop)' )f th", ~lf()ar<1ta COnlP"I>S<>U"C'I agr~ .. m"rr1(~) Dr,,~kl<>d
fo, :1'1 t'J"'''';W'r:>'' 20 0' :<2A. 0' 1'1(;1"l'>;)"llPh D of the ~"'C1,O" t,tl"d ROlli E:.. t",~ I:lrok""" on P.l>9<> 6 ,e d<>po:>'l,vJ \NIl .... ~ -.lClO,,", Holrl .. r
by l::lIQk"". Sscrow Hold"" r.n~11 ",-crepl ~lIch d9,,,,,,,,ell!(I» ana pay ovl rrom 8uy"'~ or Sell",,.,, funds. or both. 11 .. hPpli"'....i>I4. 1tlo
8rOK",'j ·~O""'W... &"t'..".., r>rr:-liet"d rc.r I" "uet; agremn",,,,(s). The laMS ",nd Gond,tio"'~ of m,~ IiQ'~em~nl"\o\ ~,p~ IO'rtT'l In \~<>
';~f""'ci('t¢(J P;)":1g["'Dn~ ~rc ~cdltIO!'{\1 rr:7tlOIJ. fef t.~)Q infOfrn:::ltlon ur E5.Cf"O\.Y HOlc1or. but ~bout w'lich ;::[;crow f-tcldcr pq~ ,Ot bt.'1
conc"rr.-d [Ivy". ,>,'d S"""er will r"",","';) Escrow HOld{'l(~ g"m(lnll prov,,,;,ont 1tmC1ly from E~erow r10ldcr ~"<'l will ,"","".II'; ~'Xt'l
PlDV,!:'OW, 11(10'1 E.~C''h.v HoldA(' 5 r"q\Jt'>,;t. 1"0 trw extent t11@ general PJDVISIOnt~ ;Ire incol1f'll!;ttmt Or ~.(]nthct wftn !hJ~ Aj:lrOOIYlenl..
thg ~v(l=r:::d CCcvJ."tlcns 'Ni11 ':"Jl1trot ~)S to thq rj~'1ies ~nd cbI!Q.atiQn~ of OSC(('JW H~;c:k:'r only. g'.. . ·yer r:1nd ~Il~( win ~v:""cvr·'!J' aadlt10nnl
frt~r(\lr;t;(}n;-.., rjOCvf'r\("ont~ r,nd fOrr-ll"; ~Iovldp.d :;'1 E.~drow .HC\~dc, tt'\'M ~rT' rf"l~~o.r1.o0ty n~co":(.~~... ry to ~\O~t'> rh,:\ CGcr'O'\'V.
e. A Copy A t"li'j t\greern~nt ~h81/ bG delivli'red to Es.crow Holder with,(l :l bU'tll'\eg~ dily~ efter Ar:r:~PI"f\Ceo
(Or :J- ~~_ ..... ~--~.. ). Buy~ "nO 891t-er <lu1hor',le ["<':-"<)w
Holdrr to Jlt:A.(')l1 "nd rr,ly un CoD'~~ Di'1(j 3'qn"tv(e~ l'l", drfinr)(j iri thi", A'Jr~<>ment "c. "rilJ;n~lo. to OpOr'i m:.QQW ",no r'Jr ,':h<>r
I)"'DO~'" "f "sr.(,~W, Th~ v;>I'Olty of 1"'~ A\lreemert :HJ b.,t""..eer'l Ruyfr and s..-'Ir, IS f'\l)f :lffm:t~d by w..,~t~"" or whrm l"'0'OW
H01cler '<;'<)"~ thl~ AgreeIT'<?nt.
C. f";roker~ I'H~ :J pm1y ro Ii'!' oP<;(Qw f<), t"", .'l.DI", DV'pCl".. 01 ccmpet"l".;Jtlon DU'l:W:l11l to p"r"'Or::lph5 ~g. :1/1\ ;)1'I(j p::lrr1Q'I9/)t' 0 of the
';1'(;1;'0'1 t,tle') Rorr: L:.t.'lt·j On;JI<",r; on p.Jo'l'" 1:1, 8lfyr:r <ll'ld s~nor irrovoc.,bly """'~'~f1 1" 8,c~r:\ '-;Qmpen~Oh()n !'p<;:c,f,\')(J in
p""",gr,,>ph" ~g Jr<:l :.:J2A. ,,,,,peC!lV0I'y 'lnd lcrp.vO\YIb:y Insl"Ic1. E=row Held... to d;sbvr>e ft'lOS<' r'Jndti to B,n~.""G at Clcn;C' or
£,C'Q'N {)f .r"llf"l.I).-n~ 10 ;t'ny o1her mu1.u:)My ~,)(~Cll1ed C1U't:""F"t1-aUon a'd(p~~t c.O~~'5.3.tH)n i1l'str\.lctl0n~ can b~ 3mQr¥Jo~~ (")1'"
, ",,,(..,,-<,,< e rll)' 'iI,t" n", Nr'tlQr' c·:>",,,,,,, of B,ok.,.,... E'~-:-cO'..... Holde, ,JmlJ ,lYIl1u"dk,tdy "OIly Rr"'~or1l: (I) 11 8uy.r!; ".rt,~1 0' ;Jl1y
"oddit,onAI d"po~lt is 1101 rl",:Jde pl;rs\J~nt to t!'Iis IIcJl~ernenl.. o( '" not good ot tim", Or acpnsit V'lJ'ttl E:;.:;row Ilolp'!r; or (i,) rI tJuy<:r
",nil Se'I~r imt:uct E~cl'(}W Hold@r 10 cancer ~~...cruw.
D. A C;opy of any ~m~,,<jmcrr I""t .. (fQC'~ Clny p",r~.,r<l,h of this Agr9C:fncnt ~or o,vh;c;h C('o'ow Holder l:t Coh'lil Oe ,,,,,pv,,,.,ib'"
rjQI'VN~<1 ro E"e;''O'wV ",~hjo' ',V.th,nl. b\.l~i""~:1 cl;>y<> nftN TTlIlfui'l1 !lJ<f:cuhon ()1 tho "mcnOm~nl.
29 8ROKER COMPENSATION F:ROM eUyc:,<: If <JppliC~OIe. upon Clo;;e Of E:SC;QIN. Su)'er agrees to Pay compen~"tiol1 to BrokCf' '!IS
s~,,,,.Ifi"d \f\ Cl 5"I''''r"le wri\'~ ;>9'~W·'~'1t i;>etwc<lf1 l=lUY'j' :.If)d 8rokElf.
:J1.I. T~""MS )\NO caNDiTlOH$ or OFFER:
,1'1'$ I" ~n off", '.0 purch1l3~ Ire Pro~")rw on t'lc "bove \efTT1~ ~nd Condl\IOn~. All PM;;lql;;\phs wTth :;tpac~s for jnlvahl by RlJYflr i)Jl11
Seller arc' incorpor a 1e-d ,n \!lis AQ(e",rnent only ,f l/W,"".,..;! by <III DaI"tiR". It Glt le;;l51 on~ but n,,! nil parties :ni\i...,I. 10 ,)n(J 10 :JC<..'9P( ')"'Y "'1'1("( Q1~r 0/1 :>l1y
lIrT'e pn')r !O n'A ~C;l:,0n of ACCil:p!tH)ce. [JLJY9r hill'; I~;)rj "nrj 1:lc!<l'lOWIQQQ.S recjJlp( Of " CoOy of If;., otf~( ;.rnd ;;lgrr:t)t;. to the JlOrJ'ilO'
c,...rfirm<l~,r.n of )Qe,'cy reiOltlonship". 11 ~i.> o~er is ac<:X'pred llnp Buyer subl5"t;~lI,nHy dt!fi.lult:.. BlJyer ....... y be ,,,,,,p.:,.,,,b!o:! br
:",yl"l"e"\ 01 B, ok?"" CDln~n""non -;-h~ An'Q-",menl ~nd ~r'rf l>uppktn1Qnt ",dd"'l"lrjul1" or Mcdifr<;;.l,O,'. :nr'.JUd:'·g 'j.ny ':~r.Y. rr"y b<;-
~~?n~1'j ,('1 h'~, Or" ('10'''' ccvrt<Jrp.)rt~. ~JH -;If 1"1'h:cl) },:11~JJ (,Q(){,.tqut~ Qnf1 (')nO the ~:;.Hl'" W'fi'ting
209 / 745
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J:l, 13P.QKFf~ COMPL.N~J\T'QN .. ~O ........ ru.£:f7:

A. VC:-:l'n C",lQat,;r Of E~uo"l'r So-II",. ICgree:~ ~,:j p!'Jy ~"':;atJ¢nto Oro~'..e;, tp.-":1hflC' I'" A. ~~r4lt' wrlH4!'r'\ ~r,;./q~f1t bl"'tw~1') ~",'fvr :.Inc) :=!''C:'K.o:r
rf !!::rt:I'f) ...., d:o-t'~ "lo-t: .-:i09oe. ('orn~(vglltlon ,0:; ;:'J'l)'_,bJ~ ,1il; ~PPCif~d In {~t ~*ps(m~ wflUtotO agreemont
O.
"'" AcCEPTANC£ OF 01' H,R: SOIIO, w",rr?M~ th~T :; .. 11-<>, I~ ~t,.. QV>'n,r o( me f'roo~rty. 0' r"s ~ne authority ~"~~eC\.Jl'" fl1J" (\g~"''"'Qr~ S<>ll", "CC"Pl"I~"
I-JDovf;a "f-f~r 'JQ/lio.n. ',0 f)'fli! '~Q P;o~1y Of"l !ilt~ :JC'CVii:I Tljrm~ ,Iln(j ,:OriCltiQf10, prHi ~or~~.c to tile .olt'lOVQ c"'-c)I'If"iff'nJIfi")n 0t' .Cn.'1C.y re'pl~nsU1q'''"'': ~~~jll"\r ~l~'
(."<J nn~ -1~,now'''I(j9''''' ,.,C-c'l'r 0' d CODY of :Ml5l1g~rn"nl, ~rld n"lnor~<n. £I'd-lOr to dr::,vQr ~ ~'9n<:O Q)py I¢ nul''''
o wo;:Mc,,-..d) ~UBJEC-r TO A ITACHl; D COUNTeR OFF'rn, OATED . ~ ~. _
O?IQ . __. _ . _~ ~_ .. Dare _
0E'LU:'1'\ _ . . ~Cl\..cR.
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CONrlf'lMA nON OF A(.-:CEPr'Ar..CC. A C',::py c( S{on.Q' !\C;C'='Pl.1lI'OC W"-!i 1"'l;'r~vn~lt)' 1~C¢lrv~ t)y lJ.1J')'dr or O'Jy"'-''lI .. \.th("){I.L<-~
~(JQr'l on (e:,(,,1 . <), _ ~ C' AM 0 I"M, A blOdihg Agreem(>Ot i" ~,..,fttlO<l W/t(>J)
" GOrY N '--~'9" ..d A"",,,Pl:3r>c,, 111 >X>r<;Q" ..lly received by (]ur~r or ev)l~"'~ ... ut~(fz»" "9"rlt whnth", 01' not r;-qnfi,·""d ;f}
till.. ?OC\lrr.orA Compl~\On (yf \11... conflm1ll'\jan ,.. root 1°9:011)' (""lU;'90 in Qn:1<!' lO cr<nw .. b1flOl,.,O 1''i:lfWrn""t; n. '-. ",Ol~y
Inl.. r>(!(l(J1O eyld""".,. ~"'l'll d~o thAt (~onf'hmot;Q" ~ ACC"pbmca ",," %'='\Jrr-o:~,
REAL eSTATf: BI'())\ERS:
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A. A.I>J ",""big ~lrDkl!f"\ ;J('" N,l p ..ti-.s to t~ "'9'...,moffir. b-4No......' til.....,.., ;'\nd "\o>lIor
13, AfJlt"'C:Y "l)f ... t"O""~""p1;, ~"'O' Cl')f)rtrm"'..-j ~~ ':1toto<1 In p.,ru~('-drr-. '2.1.
r;. Ir ~peCllle<:l10 p"'-O')'npl> lA, ,"""er l 'I'ht ",)t:>m,rt<>d tJ"'!' Qfl'er tor iJu~r "~n{Y""le"ge~ r€O'!;~ 01 Cl"p~1t
o COOPERA riNc. npOKcR COMPI>N~!\'TlON; Listi'1Q ')r",,,,,, "g"'''~ to Ny CoopOJr~tl"9 r',M_r' (Selli~ Fir",; .."d C'7':o<l"<l~n9 6,':'I<e, ?9,e"n '"
~';r-flO\ or;t of !.i~1i{YJ nrol<--Qf" Oroccoo,,- '" "':'-'<QW' (il \r-c "rrQl.lf1t "P\!!\;I~1i f('\ 1~. 1,ILS, ;)'ovid"j C<np':I.Unq nM~R' '" a Pp'{IQI"",,{ r)f 't'e MLS ":
\tJ~1!d:'11!"'-Q 0(oo~r1'y ,". Cf'T"F(l1) '')~ "4.~tlC nf Il r~cpror:--:'ll Mt..~'\'. Of (Ii} C' (of (rt:f~J.<od) thi) ,;nTlOunl :'~/,.t1I~ 0 ~QP';)I'l)1<", '~r'l:Wf1 :'Q~munT ~CA.f.:', l:or n ,
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~- __ ~___ . . ~_. . <Jntl "fI~-e to ;.c\"8 E:>OO'N H(')~~r sUbjeol to P<!(tl9r.:lDh 7~ of l~\£' A9r~fT'''\''\ '1<n'{
~1,JD.c-10m9rt~J q7-C~1JW if' :-;-t('Jc;~i'-)f1r. ..?0{1 ;~~ 'i"'!'T,,~ 0~ Ft ';Cr'OW liOI(l"l"'~ QI')(\(,tf'"I Du·' ... ~mns.
~hr:roVoJ Jo-IQi()e: l~ :'t1'(I~e~ th~t ~}'IO d,,;'o Of :::i}(~flrr:3tI0fl ':':f l\":CO()tBnce of tn~ Agr"l=!'.-rn~nt tJr. ~r~n 8liytH ~lld s...t. 9f' i-:;; _~_ .. ._._~_
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210 / 745
\~- ~2 11n~~B7S]t MAR,~ FC.:"'RC\>!
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8t.JYER·S INSPECTIoN ADVISORY
Of P'"'-: ..... _t():l...::~
\CA..R Form ItIA. n""''''<Xl10101}
~ {"Prop,."y").
A. IMPORTI.\NCC OF PROPE~TY INV'=STIC/\nON: Th .. Dh~$;c,,1 condil.on of 'he "»,<:\ ""'(1 ,rn[>rnv,",m"cl~ br-i"O purd ....,,-d ,~ "/H
glJ;:lra1tl'e,j by ,,"hl;r Scf!~ 0' arokc'~. F:,r thi5 rt:';'I;on, YOU slloolct <;'OlldUCI troorough im/('sti\jF!1.0nt< ,,( lh!:l Prl)per.y OOt.,o"~lty ;Inti '.'Yilt'
pro~'j"~;0n!lIS whr, '''aula prov,dt' ",<ntteCl ·pr,o~ [)( It\~r Inve9t~alio""s. A ile~r:il phy~,~1 if1~pecti<::n tyPlc~I'y ckJ€'S I\N w~r;lli asp<:?d"
or It',e PrOD'?':'! n:::rr ,~,,,-r" :.I '(pol' 1"19 i11'" PrcpPeT, (I\<>! e,re net phY~IC[)lIy loc8t~ !Xl the Pror,,~I\I If the orofor;sion!ll<:: ~<::cm'11E'flrj f,.tnh".'r
(nv~~~t,g:::"tIQn!], IflC1tl(;i,r"') .:..: r<:,:('".o(""\mr-flO:";~I~n by ~ pn:-\r (;0r"1~(o.l op(""'(t"ltor to IrtOpcd inr;v"'A!':<: .... I~Q' ~~CO& of th ... Prnp-erty, rev :,. . .h ;)l.ld oontad
~1".i:;II;t~,)"j pVQenJ: t(\ ('-r::'n:-tlf"'l ~'J':'r. ~d'Jil'o;'1~I'rh·I~~tl~Joi~ions..
O. IJUYER RIGH rs ANI) DlJl11:'S: Yr,u h"vq :1M ,,If,,'--n'''lv",, duty t-> a~.(c1~ ''!,~~Qn.,bl .. C;9'~ 10 prull>d yCLJr",..lf, ·n(.lud,n~ dl"r:¢'J~ry ~f
tl)o h.:gni tJfnct'C,,-')f ;,Jnd b~.t->rllc..=.ll f~npll,:,.....' )tlor''': ("f disCIOSl'!'d r,1d~. ~nd tlJp. ~nv~tlglblion dn(f Y'v.rlf1Ot'1ttc>n Of lt1tonn~fIOr~ ;')nd fi')cr.s. t'"l;Jt Y~,:"\.I
(IV\¥( Q' (but <lr"! 'N"11,n 'eu' diligent att~"fl0f'\ ""cj Otlse!\lation Tt.~ Pli(C~Se, l!Igr~t¥\t9'v~" you the r>gr1t to ;n,,~.\iga'.e PrOp<?rty. It t""=
{OU eKercl"" ~"15 '19"1. i"'nd YOLJ ,,110,,10. you ,.,.,,,.,t do so in "ccon:l<lrv.:e with thn t",<ms 01 tro,.t "g,ppmenl Th«; i'" th.., t)egt w"y for yov to
J'::l1~ct }'"ur<-QI! II ''; .,x\rF)~iy ''''f'C',ynt tryr you 10 rO:ld ..111 wlitt~n rOllor1~ prov,dltd by p'of(V:~"Ij«"ls :1M to di<;C\J'\.~. thf' r('~IJ'\-:. ,~(
nt.~pectlons Wet" trK" pr~Je:':l.:iJOI';:J1 whO ~Q('dUCT(~O 1hf':' InepcCTJOn. YDu hQve th~ r;Q/lt '0 r~ql,.H';~t that ~·(Jf(t"'r rn.a~t' (~p.:J~r~. r:.orr,-'C'bofl'~, ot'
;q,1<:f.o> r:'>tner" r"'r:t'On b~-l5ed,_';:on ltl?,fr"'$ rJi!;{,,;o'J'!,~d lr) ,,!Cl'~( i(I\/~stlg~tion~ or rj·:'ScloSCd r;.y Soller. It SeJle:- ;$ Un'NlIIJno Qr un;,Ne to sa1i,c,(y ''''-:'lJr
·eClu,,".tS. '" yOLl do not want ~o purch"S-!; the F'rop"',ty ,,' its """,,,Ir,o<,d ",nrj dj~red c0f1o;1itlon, you have (he fig~'t to c3ncel !he-
'9m.-:rnenf If you "r:t v/itl";i<) ~p"r:;lic tii"l'H p,."o11ll il y(')\J 110 n(1t e... n~'!'1 tho a"r~m('nt in Iil t1n""ly ;),,<;1 prODer ""i1"n<"r, y~ U 'nay t;lr.:' ,n
,r~P1G~ or t:.\)(\h~C'
~, SE'LLE:R f</GHTB AND [.JUriES: Sell"r ''> r!?q\Jireo te ClIsc10se to yOLJ material f<lCIS ~now[) to hin"lher t"~c>[ G!ffcct the value 0'
'0:"'irab il ,!y o( 1,1(' Prnor<1y HQw"vN, S<'I!<lr ~"'Y r1Qt b" "W;l(~ ot 'l~·m". Pmporty <Jof0.Ch or cOI1Clili("'fl. 8,.R~r aoc~ no! t"k"lVP' ,>" '.Jl>llg",(JO'l
() jns~~~! It,,., prOr"'ly 'c r j'Jur nene1., nr~r 'S; 5(111", r,blrg .. tQO to '''ra,r, Co((ecl or O:t'ltl!W,se cure ~nqwn 1el~C1'J lh.?t oce d~d"'!lNj '.0 yOU
" O((,v/c',-,siy IInkr cwn d,.,f","", lh::+\ are ctisr:(,v"red by I'au or y;Wr l"tPN;W'~ dU"lnQ Ht-(;row. n\e pljf.:h,;,\>c !)greemenl ot>lr::ptes Sp.II~r tD
nal-;e 11'''' P,op,",,,!, Olva,l;,bl" !o yOu lor 1(,v"'~lig:;ltions.
) BROKER Of)LJGI\TIONS. Orok""" 00 ne'l ~lilve eJ(r~r1ise in all Jr~o~ er'lO 1l1erl'!lo''l! C:.nr101 aovl.'ll' you on m2ny il!'lf'~. ~ur:h ,,:5 ~o"
mb;f;:/. ge<JI<''8I<;. '" 0n\·,' D'l""",,,t,,1 >;-:>"&-10(\9, h:u"rrjou~ or illegal r;>Of"";trQI!9C1 slltlS~llnCQg, SlT\.JC1tJr~1 conciitiOI1S 01 the rO""d2tior'\ 01' oth",r
''''p'('0',j~nl~nt~, {)\ ~h~ :::-,,~d\:\Cn Gf ~t-oQ (001, <::,\·.j'TlbinQ. t1~C'{If1g, 3\r vonOHl<lIHng. ~ectricn\, ~...ewcr. ~V'\l:: 'Ni3.~t!: rl.\./'~~I, or "tt--, 0 ( I;y~totl\.
'~H·' 0r,f'/ W,"f4y ~o ;t..:C"\.,.·.,t1~iy r1V1J1trrru(':O' 1ntt C('I"'o·tJon of 1h4 r'ro~rty r-:s throut;J" no ,n~p~ctlon by nn npf:lIOprTJJf(J I;rQ1(:oc(.j()n~1 ".tQ(';~~ t;y
ou. 11 Droknr ,Jlv .... Y0'-' '"f",u"l~ (0 ",en pr,)f",,,.lr,lI.;>Js. Br':)k"r doe" not ~UJ'r~nt" t~e1r p~rlO<T";lI'C", Yo" m<1Y "","->ct UflY l"O!cs<:IQ,',1i
f your ch,><,,,j"9 I" Sdlf"~ ir olvil1Q reSid.... rti"\ dwell,ngs wit', no f'T'lQ(f!' \t1an fuur ullils, B~Qk~s fllIv", a duty to m;:;ke a dtlis:!ent ,,'~al
lV
I~D~cji0n n' :hl'! <lcces<ir.r" "",tl~ of the Pra"erty ~nc \"0 dh;.;:I<:lSO me ceS1l1t!t ()f ttll!1t iOSMctioo. f-1owcv(!r. 3!': ~om.,. Property dMects Qr
()f)d1t,cn~ rtl:J:y not bl'"" dl~cov..,...~blQo fro,...., ~ vl'.. r)~' lr"),,\P,H.,t1on, it iI'S pO~c.tblo erok(')('f\ nr('l not ~W'lff~ Qf ~~,"n') /I yO\.! n~vo ... ntfllrm into ~l
'nt!~() <4lJr"!err-","" VI 'r, " 2'-OK~r, Ih." spuofoc ;eflY'l§ of thm $Qfee/T1cl"lt will dl;lt~fmiruo the n",turp. and c..',k~)\ et mat Br"kl~r'e dut) Ie you.
01) ARE STR~mC'~y A.Dv'lt';EP 10 IINESnnATE THl! CQNOIl'ION AND SUlIA81UTY Of' AL\... Aspect::> Of mE PROP!:R,'(. (f"
OU DO NO T 00 ~O, YOU A~E ACT! ~JO AGAINST THE ADVIce O~ FlROKII;R,S,
~ YOu ARE AIJVISEO TO CONDUCT INVESTIGATIONS 01' HiE !';NTIRE PROPt=RIY. lNCl..UDrNG, BUT NOT UMITEO TO THE;
FQL.LOVVlr1G:
1. GENERAL CONDITION or THe PRQPJ:RIY, )T~ SYSTeMS AND COMP01'4ENiS: FOunC"tiOfJ, rOof, p1umbln.. , ~.:lllr)O, ,",If
cancl;;;"",,,?, ,.,I..ct,i,;ol m.(;hl'\nlc~l. lI"'curity. poor;op~. otn!':r strllC1,."'!.)1 "nd non-}ln.ICll,Jr(l1 ~,'~I<!'m~ ~Ild component"'. r,~~.:"I'~,
t1,,:".i":ilpp"~nces o.ny pn~[)al. pcor-o'ly i'K;!ud~d ,() the c:Jl0. and enRrgy El'ffiC1,,[)(.y of the PrD~~y (S(ruc!ur~1 en91,~~""l; ;lr/'! b"st
sv,to<;i 10 <;1ete mfln r; ro~c'blec C'es/gn O( CO(l~lrlJctiQI1 a()frct~, !:HId wnett10r Improvement:;. rlrc :;trlJctura:ly :;ound.)
2. ~QlJARr: FOOT-\Gf'. ACE, DOlJNDAnIES: Sql,J~f<' l()OIClgo, rQ0111 di,n9n~i<m~ lal fO'Z';> .~f1e ,mprO'Jltmcnh on<;l OOl,/nd:,,\<:~. Any
ot
CI\,ilnorlu,1 )t;»t",rrwnl" r0'l'Jfr;I;)Q 111 .. ,,, It<:.'m~ are APPP.0:'.IMAnON$ O!'Il. Y Clrld 'jay() 110\ b~<:mv\.111Ino py S~le( ;.'lila l,;;l'\110\ b\;
v,.r;(-:: F'dH:"~~, t1ec1ge~. wt>1I~, ltiltalning ..... "If... .. other narul":.'tl or conSll"L1ctcd b;lIirrerli or /11'.,-1,,<:,1""; dO Clot "p""",,_~r;
"a r
11.1""';/". lrU.,- Fr<:;>e>'1"! bCcm'1." C1 es (Pmf"'~lom'\IS 3ucl- ;.IS nppraiSer$, .lTchIIQCts, 5ufV"'}'0f5 "n<j -;,,,11 eTlgi,,~pr ... 3C1! tt.!-st "ulted 10
d~torm,r(\ .... 'l·,..~r~ f("l,-:--t.JQ0, dlnll'Y!f1~tcn'!'"', :'!()n bQr.Jnd'?'r1('~" ()i th,? Pr<")p.<'?~y.)
~. WOOO OI!o!':Tf10YING f'F':!:TS; r",,~'1"ce "r. or r;-o"(!lt'Qn~ 1;1't:'ly ~O ''';.10 10 me rf"~unoe of wooe! d<fstH;ryrr>q p~ct~ .'>"oi o(gflni5.<n~,
~f1d J'the, 1()1~c,.'·"'If\('1() or inrtt:~i.~r"l, I'1S('Q-CtjC,rl ,-cports. c.ov~riPQ Ihe~e ItenlS can bl'j ,j,cparatet1 Into t·AfO o:te<;IIC,ns,. SJ:'~~""r"1 t ioent'rf,n"',
ere~~ wh,,:?,(~ ",k:Sl?Jtrcn Qr InfCC~:O"Jl ,g eVlotJrrt S(.!(';'!ion:<. identirH~" oJ(~S wt-erB' thcro ar! ,::OltdlliOns liKely to leCld to illffl,~~tlC"'n '_'Jr
.qtr~t:or, ~\ rc)}tstcrr'd ;"!rLc:u r :Dl 0"'1.1 r.::onfr...,r comonny :J 01;'-'(",1 )uj'C"!(1 to pC'rfo~ t1"J~~~, ~:,;p~C:tion:'j,
211 / 745
p. IJ
P(\c~[ 'l:
~·1Ar<1'\ r::;C""'J'.J
·')1 I~ .271 41J::1'l; ~C(' ?~ _ ;)4 p ,t\lJ( ~. 1 / 1S
fQrr:tt'j f'\<J.~fr~t, .:!.:...:.i...L,-l:..~f"~·_r~.J> . .-!:!,n:!;!.::'I'-.!i..-'-J,;".i,.~ ......? O:.(l;: - - - - - - _ L1~t~·. ;::Dlll:.~~~~"T'IA

SOIL S TAEliL ITY: E",~t.. ncP. of ("I 'Y ':omp","h~d soil. "!~3n""v~ 0': =ntr,,""""Cl "oil. ;;US<:,;,ptltld;ty to 't.';Pp.>'I<J,f. Gettlll1g ~ Il'0V<,"IT'"m
:<nrl l'1e ade<;lUilCY I)' d,'<llnll'~~ (Gec:r:CnmCHI ~rgineers: lIro- be!'!l l:tJited to delormlne SUCh c.ondiliOn<;. caus~ anti rern~;c~ )
11001": P,,,go>,"! CC'rH1';,O" "9<'. 'n(lks. ~qj rMn6,.')'n9 u~~l lifo iRoofinq c:ol'lt;;let::>t:> "'ro b""t ,;:,,,1"'0 ttl ';\",I"rml".. In .. " .. c",cm~,on" >
PC)Ql)~PA. Cr;tCK.1., I,.ok'tl- ()r oo('r,,\IO'I,\ol r'rC'b·.~r1":"3 ,:1="001 controMon;. ,-"r~ be~t .tl"J·t~ to d"t<...,n"'n Ihe~~ ccnd'~Or't~.)
WA3T~ DISP~AL: fype ~t;2''''. yjeQ\l::J~, CPp...,Clty ~nc1 CO{l<ii+I~n of sewer cr-rd ~l'";pt'C ~y~t'e!rns. ~nO CQrnponC':nl~~, G('nnc{:t1op tl~
s.'",,,r, amI Qpp\t("~",blt'> r<Of'"

WATr:r{ AND VnUTC:">; WEll SygYe';M$ I\NO COMI"ONF'NT~. 'N;..lcr Yld \Jlri;\" ;T'Jalr~tirly. u~c ,cSlnc\i(;'[',: "no cc~ts. WHter
qUll)/ty. ;1ICJ!!Clu"cy c<:n<ll!",,:. :md p<:,r'0r'n~n,~," 01 well ~y",l<,:m':: .md wmOOrirntt:,
f:NVIRONM;;I'HAL /lAZAR-DS: r-c'\'Orlti~! envirC'1nrnemal h.a:zard:5. In<;Judln~. lxJr nOl/wltod to. ~~b~st()g, lead b,,${)a pOlinl ~lr1~ ,,"d
Ir."d ~OI"\t<lrni[1l'>Fo", r;J.dQ!\, "'<>I:1',~:"l'" oth~r ,;~"'()~. '\)",1 0,' -;r ~:t'"",,:,cal stOf'i\()1e ~-:lr\\(~, CO"·..:lO'ln..t~j W'\ Of 'Hah-", t'\,.z~niOl.\S w:or;~"'"
wn",t", ChDOS~1 cil"'". ~leotr'.'mrll;l'wtIC nelCls nuC:<,IUlr :';Ovr,:;"o:, nnd 01110< ~bct:lr\crn:. r"1~!Qri::lI~, prOdLC!'. or o:onditjJns ('1,:ll.odlng
mole (:"'Oomo. 1(1~,-: or ~)(I-·iHW'~.l':f. II;nr;v'-, or :l/m;!." cent;]rr",'.~nrtl). (F'Jr r'101. loIOrJTl-'lt,Ol'! 00 tnCl>~ It9m~, YOU m.\l',. >;:on~lJll on
"ppr'/l:Ir;~l'" p'')feSS,r(,,,1 0 r """.1
"v~ ')I)oklew ''''r;'<irenm(fI,!:<1 ""~,,r(lD: A G\..Ide 'or Hom"owf1(j'~' 811Y"~. Lar,dlord" z,nrj T~n."L",·
'Prc,tect Y01p.r Fe;rnllY (rom ~- ~~d I~) Your HC""ne' (..)( bottl \
J. r:AfiIHQUAK~S ANO r-LOODINC: S,..,.,,,,(>phbd,ty of lne Prnpo'1y [0 !;o"rlhqo"K"I"'O,5mic h"::,,,d,, and prop..ncily ?( Ir" ;:>cO;O:;.rty Tn
Oood (1\ (:coClogir.l .... G~otech,,'<:ol E(\(jI",.N la bi'.':11 ~v",.,d '0 prq" <1.,. Inform.':rllon on U105"'1 .;-:>ndll,n"'-'.)
l. fiRE.. HAZARD AND OT4E.t< INSL.RANCI:::nw :)v.-.iJ"billly ..,,..(] CO~: of r,e('..e~"ry or d .. ,,<ro:>Clln .. "~nce mllV Y",.yn"" •.-x:l>hon or
V'Ii' PrC'>perty :n ;I oo;~m,c ft oCX1 Dc c,re hazBrd Z;Of1<ii. 'l,.,d (llh~f COrxli!lCn". 'Such a.~ Ihllo ~ o( tm!' Propc:r1y dncl Ih~ clalm~ hl~ory of
the Pco~rty 'a"iJ tl'J)i,)r, "T1i'j~ afl'=l ,,;c O)vtl,l~bil'tv "<ld '1~tJ ror certain !yP01l Q! i"'!"HanCe. 2u)'el :>hould &y.p1or" i,,~...,..af1ce C\j::,tro"'~
pc,,',. ~:l, lh;~ ,,,Ir)rrnntlon mo\" ,lrr"ct otr",r d~c,,:,on~•. :ru::lul'Jinq the '''m¢v,;)1 01 'o~n "nd ifl"peet'IJr> i;on\il1>l<.>nc,cr (An In~"rJ,'ce ll(j"'1t
i~ br:~l .. u,'~<1 to prO'lIde ,n(or m :J1t0n en lh~ condn,ons )
, BUH...OIt-MJ P~RMITS. ZO/lllNG AND GOVERNl\Il€ffTAl REQUIREMENTS; P..rrr!'tS-. I""p'let/cns, ONli~cate".. toninQ. 01l1el
'.'Jove,nffl'01nl:J1 /i'l1ilD110nS ,,.,..,Incrion-•. ,'lnd requi(<!meOIS <l1f<'lc1)I1O l~ ClJrrent or fuWr9 us~of the f'rOpfifly. ,t~ dflv%prnent Q( S·,T-Co.
(~;~l(':h in{ofnl-Ol~'Q() j'J l~'it{ll':)(llr (rOfrl .~p~'llQpn(H~ 9avnr()mt!l'lt::l~ ;';1rJ~nr;J.Q) ";lind prlvClite InfDrrJ"'lottcn pf"oo,;idor:t. drt.)y.~,"S ~r"" not q.;;J"r~c4 tCl
t(:v;"'w O( lnl"rp'el Ilny sveh InforrnlltlO n )
I, RENTAL PRope;RTY RES1'p,rCTloNS' ~O'T''l c,~,e5 W1C =vn~.~$ irnpos@ r""!riel;"!)!> that limit the arnQLl'Jt of ,...nt that r-an b~
ch:Hlll1d. ~ mgxll\')U(\l f,wnb..r ::>f CC'£:I>I""l'll',: end Ih., ri9ht of;} 1;:m(lIor(! 10 tefiT1;"<'<V;o a lcmaf'oy, D&o<ioon or other lock" arH~ ~ecu,.'tv
'Y-v-=t.o...-n1;:. 'or fJ",O(;.. nJ"'l~ '...... i()~,:;-W~. ~1"oudir,',J W'lrx1('fW b~T~. ~t'lo\.LiC b~ trX.:.\mlf\e-<J tn 11't~rrnlf\~ '\'o,ft\~(nf'!'r th~'1 'Cat\~fy '~ua' r~.q'U\(~f-rH.!rt};q
\<;ov,~f(lrnent ,')'Jcnclc" can i'f,.,v",.t"n(()rm~llien.;lbeut Ihc~ foe-~(ncti'?,.,,,;Jndot1'1<'<' r..,q'-"f,,(~nl~.)
g~CURllY liND SAFETY' SlotC) Dnd Ic)(,~"ll Law m",y (;>qlJiro the in!>taflauon o~ btu-iers. "CC0e5$ .:llnrm:>, 3~"-kllctllng 'nedli.l,)·srn~
ll')(\lor oihc, rne:'lsure:; to d..,r;rn.,t." thi? rir.~ ~o ch'I(lIM and oth",r PerSon, of exiMing swin1rning pools and hot lvb." .J~ well as V"lnous
f.r~ ~",r'1ty ;lnr,1 Qth0r mc,,"";rcc, con~rn'''\1 oilIer re;.>lure~ of tho Property. C':''>1plianCe '''QV''''''''''r'lM diff"'" from 6ty It") city nr,,:t 20 '."'!Y
to COlJl1!y, Unl.. 4" f,pl'cdlc",lly ~<;lrced. \b~ PropertY rn=:l'f not b._' In cornpli.,nc:... with tho:·.... reql.JITcmCf1~ (lor...n l gOY>"rnm..,f1( ~'Q.,.n~I"'''
C1)fi provide il'l10rnl1t'ol1 [)WUI rn~~e "e~~"ct;c,..,s ".N.! oth("( ~qLllfern"nl".)
. NEJGI1BORHOOO, ARE:A. SUBOIVTSION CONornONS; peRSONAL f'Ac;TORS: rw,gnbQr1lQOd or <lTe<l CQndilio,,~. rr'c;Ivdjn(l
",:;hOQb. prD~im,tv "'''? "rl"-l')<'CY or 'C"'" {'.-.fOr'I:'4m"nt. ('ri~ St3t.J:<tic... th.., prolC>ITtilV of nrg,~tt!""'d r...lon", or ofieOoer5. nrc r/(:ot~-ctio".
other !10Y~("'II"lf'!f)l' ,('::fV1CC'''1 l)O~QU;il.CY :u"'l{] cOC"t

('lv.?11.':H)liit-y. Or
any ~d·~. ·...."r~\M,:. ;nt~y-.. '"~t COl''''d)r-C't1l"}~, cot' otl",,~r
It:l~(';''OM'''''l),·\ot<::)'''Dr)8 or ~i;t'1(Jr" te'r:-f'lrlOIOOY ~~rVrC:M~ ~nd In£;'.D(~tiOt1s. :':l(¢XlrnUy to cOfn~A"Cfi?I. ; ndUbol;rt;;1 or :HJl;<?,UlllJl~. M:lblr).('I",\.
<)";"llng ",no prc-p",,,,,,a IraI1~p= !r.hQf). GonstrLl~ion "nd dev""Iooml!-(\1 that mllY Ilffcr.t noi~e. view. or Ir.-.m", <l1rp0r~ nOl<;p. nOIi1e or cdcr
r";>((1 l1'1y SQ'J'n" ·.... Pel ",..,d dQmo<;toc J'\lm31~. olh~r l1Ui,,~"ce~. h",l:~rds, or cln::\l("~bnC<;!s, pwteoctr.d ",~IBS wetland »(,')per1TlJ"'.
b('\,'i'\.'~1 '1;"""""<:7"'. r,io;.IQ"r; or ollv:r 9')\JArnrn"'l"t~Il'f ;)(OII'!r.jQd r.rt@~. Of ImDroY~~n\· •. IX'meterlC~ fn(J\lirir.~. :'lnd conctfrinn or CQmmon
areas r.l( (.'QfTIH\oGn lOt@(~~1 ~ubdIVl~IO·!~. ~~ polj$t~'~ lacr, (';f ~rnp\i&~ce Wl'th .,ny QD'V'eil1iMU docum~tlt~ Of H()m(..~wn~n:· I\..cWC1~tt()n
r~Q~,'«'"n~nb <:O<1di: i ons ;3"~ :nl1, ... "'~~ of 5;I;j'1,f,C-.'lnce 10 ~""t",;n cullures anOlo( religions. ".,nd pemo"al n~d", rC'1UIf"'01Cnb nne!
prC'k,~r";:"'5 01 8t;yer.
flv{·' ,lnd ~:.,,,~-,,..c('-k-f)-IN-'k>-d-~-"-.-!l"d,~g':;;'\h,'l ~!<)~W" Ii) CQ'" "01rJ.. ~t I>lIce \hnuU1 ~·vy~r or O~)' ~(lllfr
-.Mv/lj :I<;o"(ll: (II) r:...,~~
n01
3t.L1mn(~~ th'l" f.:Ol1dJ'H.., n ,..'f tt,~ ~"';'}OIPr1,Y. ttd) Ot:e-s not gUAfIH"jtoe the ""rlOrn"'~I~. MI'!IQ\l»~ 0" r;.t:lr"'l~ete-n~ss I)~ In~H!settoo~, 1i()(v(CO~, pr<'adlH:::1:'t; ~!
r~o~ir-; prov,d~<l 0> m"de ~y s."llw O' o!'\e'':';: Snail nr:ol b" ,..~jX)rn;lble for oden~l!yi"g d'!feehl ihalsle
(,VI 'w\
~nOWn to ernK<'>t!l1'd (a) Ill.. "col ""ui\ily
vb,,~rv&bl" ,n ,~",,'}r~hly'O'~;"hi_ ~,,~,,~ ar 1M P'C(><'r1y: It'll are III ""rnm"" .. r,,~: 01 (C] ~rO: ,,1'1 the $ik> ~f l~ f'fOO1If1V; (v) Sh~1I ~nt 0"
:C!:ool'nil:-l~ (01 ,n"pl><:!i..,C pubhe ""C')'<J~ 0' prrmit, -::()n~'~"'D H"~ ~ttJ~ Of u.,~ ~F p'?P.,rty: (v') Sh)J1 n6t b.. r"r.p:",~'tl..., for Icnnl:fy'lno;j'lh1t IOU!'<'ln nr
Do"ndlllY II~" '" (fI'v·r 1[","...
m'r;1.'f1Q ",t...
(v. i) .~n~~ "0\ '.l., rm.p.r,~bi. f<:l( lrtlf1fyinQ ?QVl)f(! rootllpe, ""p(".o"nt~!",,,,, 01 "th"'" 0' ",t"'''''''I,.)''
Wllta,n",! ,n I"'d~..p h(>" '~P0"~ M""'(l", L',h"9 Servl~. a(!,.ltt3err.ent1l. "y;>'" or IltrlQ( C'DmOlioMI rn,,!.ot""': (VIii) ";h<l~ nOt be r~?O"51bl" for
"rcv'dl"~ .1"'9"" at \"'. ~dvlce ""'J~rOlng any "~J:'f'1:t 01 B tf'll"~:1etiOl\ ",,~rBO into by 1l<ry'8( or &ll~r; M<l (IX) Sh;11 no( br.> re6P<lI19'bI. for o(~,cIinl]
QttHI(. ~ctvtcr. ":)r 'f)f?(rn~'H''':)f' lt1l;J~ ~t.;ge-d~ tbe knowjll",~Q9. e¢'ll"dion :::lod ~)(PO(i'3flC'3 reQfJir~ to p-errcl"'m rv:a,r ."r.:etP. licensed ~Ctl'ylfy 8uyqr :,\nd ~Q~e,
_~~(J(oO" .Q ,,:",.0.0"" 1<:-9.)' to.~. If\~Vrlil"C(,> (.1'0 h(\d cothtt .. al"Jf.d~(t ,)~('"fjt-.Jmc:C' from ... O~r"¢pn~r. otOh,.\:JOi"'lJ.!t:.
!lif)ni l19 "e-IOW. lil"Y'lr <;lrld Sell<:r <!Jll::h aCknQ'tYI<>(lgo (I--liIl. ~

51 Arl:#or,o. 811V"'vilf (,"OolJr"'1~rt !Q r"ad il,Ca<'!fully.
-;d<.:..ge..--.f~»--"z1~~~_-_~CL12L
Y('Jr"$lgnature ',.' lJate
vie. Sa-LId a.n
212 / 745
1°
\ .'('(:'If"": \ .J.
t-"i/\PA e>::C\7'\Y.·.1
,""" "':'11 ,~/:\.....,.~: SCP·:.?~.C4 :J 59':'>''); P/~'(;L: 12fl~
CA I. I r {\ rt >, I .\
WOoO DESTROYING P€ST INSPECTION AND
r\ S SOC: j ,-\ T I (-' ,.".
Or. R.'~"1TOI\"''''
ALLOCATION OJ=' COS. ADOENDUM
(CA" r-:><m WPft., ~l~~<i ~OI'()2\
T:'II$ is 3" "dd~(1(I'_"'1 I,.) 1'1,;< [Yo Ga!,forrie f~e"'iC':!r,tl<l\ DurchOls;e A~rn8mE'!f)\ or 0 Other _ _ ._~_'_ _~" __' .
. .___ '~- __, . ("Agm~rno()!"). cEltM _.c":S1LC~,;,,"'_.L_2.!2P'!._~ ,
(.'f\ p,opcr1'y' known :),; _'}~:o 5, l""'c~· orJ~~cr-:;'~~{Jd r..1.,
9p2;'2 CA ,_~_. --~_ _~.
~ . _ ._ _~ __.. ~_._~ (pro~rty'),
bHwo~n _. _ ___. ~.. lV,=iJ:1.!U~~_a..~_. . . .....___.,..,_ C«llyN)

:lnd _ _ -_ _ _ _-_~,TO"'5Ph.._'';p;;:'!.:ilF
__,.... . . - . _. ("S""llcO
TMc r::OLLOWNC 8H/ILl REPI flCE THE WQOO DESTROYING PEST INSPECTION PARAGRAPH (4,1\ in the californi;:)
Ret:;idcnUIllI Purcr,;):;p ;\'1r""'ffio''l( ',RrO-.Cf\,;) ,nd !"n':;l1 ",up",,',EJda rlny cOnn'Clif\\] t"'ffil~l in :'/ny p"""/iol,jjry~"'f',.1t",rt
,'lgreemell\',
WOOD OEST~QYING PE.S rs

A, 0 Guy~r ~ SeHer o;.!iall plly for ,J f-'e-;t COritrOI RopOl\ lor wood de~troYlng P~$t,.. -"nO Q,'gr1f11!'.,YlS orlly ('RC'porn
Tho f~€po(t ';h<lll De P('~pCl'eCl by . ~~lq;3 0120.\.<;\£ , n regi5~roa ~;t;uC\ural petit
control C<)mC''lfl'l, wr,1) ~lli'ln ~oOp.or-",to It,,,.
R~port into !;~!ct;Qn~ fetr evident inf~~l"1Hon or infectiof1 (Section 1) ;m<1 for
conditi'),,!, \,,,,,,Iy to I('ad 1.0 'nl"''lIO\lon or Ihf(~ctlon (S~cti0r1 2), The F<~0'0r' ~nvll cove:r th~ fI'<Jln builClin(j Dna Cltl<l\;h<lld
·~trt.!CtlJf':L dnd, Ii Cr1Cc:~ed IX oet:Jcned oomgcs ond c::Jrports, rJ dQ'tl;lched d~l(j;, [J th~ fo!lovml0 othe;,1 ~trUc[lJr.,s
on th~ Prop,"r't'; _ _ ,, ~ - ~
Tnf"l Rc-pOf1 s~1l not 'f't:Judr:- rool COvC!rin9~. If thl'! Property is ~ "nit ir> a conoomln'um or \"YthC" <;ommo'" IntNc·st
-;;ubd;v:s,on the> R!~oo1 ~t1,.11 inclL!<'l'c C'l'1:f milt r,~p~"'l'" ir1l,,,,r!'!~1 ,1,.,0 (1ny !:'xf-lU$lve-\J';e. ~)m::;~ beinG tr;)n,;!'erToCl, 3na
-;hall not ,nclude CO'":r-nr> ",reel!!, \iVa!er· lJ;J~t:; of shDwer p3nS On upoor level vnits may not be penon'J{1 lIl"lle:;5 the
owners of pCClp"'rty b",'(,w the "h"waf congcnt. I( 811yer r0ql)eSlS in~r",ct'ion of inrlCceSSiblq areas, 8uye-r shl1ll pClY fN
tt,..- CO!;t D' cn:,y, ;r,,,<p<toct':Jr. ",rid CIO~'f)9 k,r \!,o<;,c :il'~a';, L,nkl"s otlHtrwi-.n :-)Qr~d A wnltJt>n P",-,l Contl":'/ Caoftif:CHTJI)Yl
sh,Zl1l 00 )s"lJcd r;nol l0 r':iose Of E:,.,r;row, unle5S Orn~w;~;e agr€'od, emit If no inrestaric'n or <nt",c(io[\ b (OI,JOQ or If
requ,rpo co"-r8<:tl'..I":- 'Nr,('·< Is. '.;o,npleteQ
1'). (S~dlon 1) 0 8lJy~r I]l Se~h,'r Shgll p~y !or wofk r~commR:nded 10 correct "Section l' conditions (lescribe" In lh~
Rc!,ort and the coSt of ,n:;pectio,), ~r1try and closing of tho1l;l inaccps~ble a~R~ where acHve inrest~;on or infl>c.tion
I:;, dl~CQvl1r< H;l
is.,dlon 2) Qil Buy",,( c: SI'il(;f 6tmll p-"y (or work rc<:omm,,-rded to CO""~cl "Section 2' condition,> c1escritll?d in the
Report if r('f'\uC-;;('ld by [<uY[lr
a.v ,i9nln~J t>eIQw, me undcr".gnlilo 0)<: knoWle(lgt> Ulat ..ach hft5 re.-d, I.mdell:\ot:lnds ~md h~g reculYiC'd a copy Of ttll'.l:
c\ddendum, '
Ovte li.f:'P..~~~~_~,.o,-,O"-'''-~~ _
Seilo( ~ ~'?~~
JO,,~z:d~
Sel\er ~--_._~------- -
213 / 745
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(1 C t. ?~) (1', (.J 5: 1 (l P F' • 15
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~I~ 2:1 4 0 34; SEP 2~.C4 4:0CP~1:
p.'1
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ADDE~\..H;:Vf TO REAL BLATE PURCH.,\SF,. AGREEMI:'J'lT
-sQ~ ~ - ~,--.'-' _.---.~- ~-

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214 / 745
,2-
PROOF OF SERVICE
2 STATE OF CALIFORNIA, COUNTY OF LOS A~GELES
3 I am employed in the County of Los Angeles; I am over the age of eighteen

years and not a party to the within entitled action; my business address is 333 South Hope
4 Street, 48th Floor, Los Angeles, California 90071-1448.
5 On August 3, 2007, I served the following document(s) described as PLAINTIFF'S

REPL Y BRIEF IN SUPPORT OF HER MOTION FOR SUMMARY JUDGMENT
6 on the interested party(ies) in this action by placing true copies thereof enclosed in scaled
envelopes and/or packages addressed as follows:
7
Robert J. Shulkin, Esq. Joseph Zernik
8 The Law Department 320 S. Peck Drive
Coldwell Banker Residential Beverly Hills, California 90212
9 Brokerage Company
11611 San Vicente Blvd., Ninth Floor
10 Los Angeles, CA 90049-6510
Facsimile: (310) 447-1902
11 robert.shulkin(a;camoves.com
12 0 BY MAIL: I am "readily familiar" with the firm's practice of collection and

processing correspondence for mailing. Under that practice it would be deposited
13 with the U.S. postal service on that same day with postage thereon fully prepaid at
Los Angeles, California in the ordinary course of business. I am aware that on
14 motion of the party served, service is presumed invalid if postal cancellation date or
postage meter date is more than one day after date of deposit for mail ing in
15 affidavit.
16 00 BY OVERNIGHT DELIVERY: I served such envelope or package to be

delivered on the same day to an authorized courier or dnver authorized by the
17 overnight service carrier to receive documents, in an envelope or package
designated by the overnight service carrier.
18
0 BY HAND DELIVERY: I caused such envelope(s) to be delivered by hand to the
19 office of the addressee(s).
20 0 BY ELECTRONIC .MAIL: [ caused to be prepared and sent an email to the party

listed below at the e-mail address sho\vn on the service list.
21
~ STATE: I declare under penalty of perjury under the laws of the State of
22 California that the foregoing is true and correct.
23 Executed on August 3, 2007, at Los Angeles, California.
24
25
26
27
28
215 / 745
I DU I ::l::lOU;:l II II UIII. UU;'I;;~11 /,.1;;11111\
10: santa monica coeUlouse Tax me l"'ageL 01 L Luur·U(·L~ LS1UO (uM I)
( (-- '")1
I
o,g,tdlly signed by
Jc~('ph Zcrr'llk
DN' cn=Jo<;,t>ph
~ /J Zcrrik.
) . ~L
RECEIVED emaoll=p123 Sl?ec
t~IIt-l:.n.\, (
Date L007.L
IJ)
14
. blJ1:1:;, ....... )1 'U'
JUl 25 2007
SUPERIOR COURT
Joseph Zernik WEST DISTRiCT
in Pro Per SANTA MONICA
2 320 S_ Peck Avenue
Beverly Hills, California 90212
3
Tel: (310)435-9107
4 Fax (801)998-0917
5
6
7
8 SUPERIOR COURT OF THE STATE OF CALIFORNIA
9 FOR THE COUNTY OF LOS ANGELES
10 NIVTE SAl\fAAN, an individual, ) Case No. SC087400
) As's;gnt:dfor £111 pu.rposes 10 the Honorahfe
11 Plaintiff, ) Jacqueline A. () '('omwr
12 )
v
) NOTICE OF ZERNIK'S PROPOSED
13 JOSEPH ZERNIK, an individual, and DOES 1 ) POTENTl-\L DISCOVERY REFEREES }'OR
through 20. inclusive, ) DEPOSITION
14 )
Defendants. )
15
~--------------)
16 JOSEPH ZERNIK, an individual, ) DATE: TUESDAY, JtJLY 24, 1007

) TIME: 03: 520Pl\I
17 Cross-Complainant, ) DEPT. I
) TRIAL DATE: SEPT 7,2007
18 v.
)
19 COLDWELL BANKER RESIDENTIAL )
BROKERAGE l\JlCHAEL LIBOW, an )
20 individual, )
Cross-Defendants. )
21 )
22 ---------------)
23 TO ALL PARTIES AND TO THEIR ATTORNEYS OF RECORD:
24 Please also take notice that Zernik is proposing the following ADR Judges as
25 potential referees:
26 1. Judge Albrecht, 2. David Horo\\itz, 31: Judge \,rp'(Jorv n'Brien

'. -- --";;;:0":- ". g-
.- ),~L.
27
28 Joseph Zernik
:-..rotice of Rulmg on Ex Parte ApplJcarJOn, for

Hearing or Silortenl11g ~o\l<:e for Hearing for
Motion to Extend DlscovelY Cutoff Date
Case 1':0 5C:087400
216 / 745
ro: santa monica coethouse fax file Page 1 of 2 2007-07-2423:21:30 (GMT) 18019980917 FronT Joseph lernlK
FAX COVER SHEET

TO santa monica coethouse fax file
CO"IPAl"iY
FA.XNUMBER 13105761399
FROM Joseph Zernik
DATE 2007-07-24 23:16:01 GMT
RE
COVER MESSAGE
W'NW.efax.com
217 / 745
KEVIN QUOCK LRW OFFICE Fax:13103488153 Jul 24 2007 18:21 P.Ol
LAW OFFICES
QUaCK & ONOUYE, LLP Su/~e5CXJ
Attorneys at Law Los Angeles, C4 9OO4S
310348-8162 TEL
319348-8163 fA:<
July 24, 2007
Via Facsimile Transmission

310576-1399
Fax Filing Window

Santa Monica Courthouse
Los Angeles Superior Court
1725 Main Street
Santa Monica, CA 90401
Re: Don Hirano v. Kenneth Sakurai, LASC Case No. SC085652
Dear Sir or Madam:
Enclosed herein please find the original Declaration of Kevin J.

Quock in Response to Order Re Monitoring of Dismissal.
Please immediately file this document directly with Department P

as this document is needed for the hearing on Thursday, July 26th at 9:00
a. m. Kindly charge my credit card account as reflected on the facsimile
transmission cover sheet, for any required facsimile filing fees. Kindly file
and return the conformed copies to this office at your earliest possible
convenience.
Should you have any questions or comments, please do not

hesitate to call. I look forward to hearing from you.
KJQ:cw
enclosures as mentioned
218 / 745
I F)
I t I /..
BRYAN CAVE LLP

lohn \\·.\mhcr~ ,C\ ~rarc Bar :\0. [I)iil()o)
.., 'jcnna \!old,l\\ -.;k\ C \ ~Llte B~lr '-'0. 24(J! ()())
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1211 Broad"a\, ~lllte Jilil

....J ~~l11ra \lonici Cdiforni~1 ()Il--tI)I-2:1~o ", l
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Telephone: .)[I)-)-()-2H)()
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:" ~al1ford ::-;hatz IC\ ~Lltc Bar '\Jo. 1T220')
Todd\. Boock lC\ ~rare Bar :\0. lrl 193J)
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.=i22() Ll:; \'irgcnc:; Road, \1::-;: .\C-11
(:~dab:\~a~, (::difornia (1)( 1.2
Telephone: rI 1H-H-I-()I)()2
o Flc~imilc: HI ii-H-I--1-()()()
8
.\ttorncys for C( )untl':wide Home I.oans, Inc.
9
10
11
(0
co FOR THE COUNTY OF LOS ANGELES, WEST DISTRICT
C'l
N 12
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"' IJ) a: 14 Hon. Jacqueline .\. Connor
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a: a: <: \ s. ~OTICE OJ; RllLl \Ie; DF\J'd:\(;
III III ~
o z 16 Dl'TEl'iD.\,'\iT !OSEPH /ER~ll,-'S LX
-
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~ P l1\TL .\PPLI(:.\T[O~ H m.. \\J ()RDI·:R
...<: 17 I( )SLP~ 1 /1 ':R~ 1K, et al. TO ~HO\X' C\L'SI': TO DI'YOSE
z
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18 Defendants. DOCU2\ff':~TS j;R( )\1 COL' \JTRY\V] 1)1':
H():'\rr<~ LO.\:\S, 1\1e., .\;'\iD TO (;1':'1'
19 S.\\JCTIO\JS
20 hie Date: October 25, 2()05

Trial Dare: ~ertember -, 2()(J"7
21
'I Date: Juh- 2-1-, 2( l()-

Time: '?L)'() a.m.
"
~.) Place: \'0,]
i
25
I
I
26 ~ ~ ~ ~ __J
27
28
\lOnCE OF RlLl\G DE\YI\G DEFE\DA'\rs EX PARTE

219 / 745 APPLICA no\
TO .\1.L P\RTILS ,\~D THEIR .\Tl'OR~EYS OF RECORD:
., PLl':.\SF T\kE 0:0TICE TH.\T onJuly 2-+, 2()(Ji, DefendantJo~eph ~ernik applied
3 ['.,'pelrl,' for an Order to Shc)\\' Cause to depose Sandor Samuels, Countr\widc Home Loans,
-+ Inc. 's ("Countrywide") Chief J,egal Officer, to compel documents from Country\\'ide, and to
5 get ~:lnetions, ,Iohn \\', \mberg and Jenna \ [olda\\'sh of Bryan Can LLP appean:d on behalf
6 of Countrywide. Defendant Joseph I.ernik appeared on his own behal f
7 '1'he Court issued the following rulings:
8 1. Defendant's l:x 1>,a1e' \pplication for an Order to ShO\\· (:ause to depose
9 Countrywide's Chief Legal Officer Sandor Samuels, to compel documents from
10 Countrywide, and to obtain sanctions is DENI ED,
11
<D
III
C'l BRY\N C\VI·: LLP
~
12 Dated: .luly 2-+, 2()()7
00
o -:
John \'<', .\mberg, J':sq.
C'lo 13 Jenna ~Iolda\vsky, F~q,
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SMOIDOCS6~5S3'i .1 2
220 / 745 :\OTlCE OF RCUl'.'G DE\YI\G DEFE\DA\TS EX PARTE
Court File: "Volume IV Continued" APPUC\TlO!\i
PROOF OF SERVICE
2 I am employed in the County of Los Angeles. State of California. I am over the age of 18
and not a pat1y to the v"ithin action. My business address is 120 Broadway. Suite 300. Santa
,
."' Monica. California 90401-2305 .
4 On July 2-L 2007. I served the foregoing document(s). described as NOTICE OF

RULING DENYING DEFENDANT JOSEPH ZERNIK'S EX PARTE
5 APPLICATION FOR AN ORDER TO SHOW CAUSE TO DEPOSE SANDOR
SMIUELS, TO OBTAIN DOCUMENTS FROM COUNTRYWIDE HOME
6 LOANS, INC., AND TO GET SANCTIONS, on the interested party(s) in this action. as
follows:
7
Joseph /ernik D\ID PhD ~Ioe Keshanrzi, Esq.
8
):~() South Peck Dri\c Sheppanl \Iullin Richtt.:r & Hampton, I LP
9 Ben.:rh Hills, C \ 91 )212 333 South Hope Street, -tXth Hoor
Joacsimile: XOI-9<)x-U917 Los ,\ ngeles, C\ 9()()i I-I-t-tx
10 k'12q~~';lnlllUI1~! Facsimile: 213-()20-139H
mkeshaY:lrzi(o sheppard mullin .c,)m
11 RobertI. Slmlkin, Fsy.
(l)
Cll
(t) 1"egal 1)epartmcnt
<;I 12
o ;; (:oldwell Banker Residential Brokt:rage Company
o
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0 13 I Ui It San Yicente Boulenrd, 9 th floor
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(j) II: j'acsimile: .')1 ll-4-t 7 - 190:2
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Z 0 <
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0 r8J (B Y MA IL) I placed a true copy of the foregoing document in a sealed envelope
<
.... 17 addressed to each interested party as set forth above. I placed each such envelope. with postage
Z
<
(f)
thereon fully prepaid. for collection and mailing at Bryan Cave LLP. Santa Monica. California. I
18 am readily familiar with Bryan Cave LLP's practice for collection and processing of
correspondence for mailing with the United States Postal Service. Under that practice. the
19 correspondence yvould be deposited in the United States Postal Service on that same day in the
20
21 Executed on July 2-l. 2007, at Santa Monica. California.
22 [ declare under penalty of perjury under the lay\s of the United States of America and the
State of Calit()rnia that the foregoing is true and correct.
7"'
--'
24 " .. '
'j {)/~/( /01. /( It ( L(
25 Pamela Davis
26
27
28
S'vIOIDOCS 645835.1 3
221 / 745 \OTlCE OF RLLI:--.IG DDiYI\G DEFE\iDA\iT'S EX PARTE
Court File: "Volume IV Continued" APPLICATlON
SUPERIOR COURT OF CALIFORNIA, COUNTY OF LOS ANGELES
1)\11 07/24/07 DEIYf. WEI

HO:\OR.\BLE JACQUELINE A. CONNOR llDGE V. JAIME DEPl'TY CLERK
1I0;\ORABLE ELErTRO\IC RECORDj~G \IO~ITOR
B. VARGAS CA Depmy Shenttll NONE Reporter
8:30 a SC087400 Plall1t1tl MOE KESHAVARZI (X)

COlll1,e1
NIVIE SAMAAN JOHN W. AMBERG (X)
VS Defendant BEHALF OF COUNTRYWIDE
JOSEPH ZERNIK (Xl COlll1,e1 JENNA MALDAWSKY (X)
BEHALF OF COUNTRYWIDE
INPROPRIA PERSONA
CCP 170.6 - JUDGE NEIDORF
NATURE OF PROCEEDINGS:
PLAINTIFF'S (NIVIE SAMAAN) EX PARTE APPLICATION FOR

AN ORDER APPOINTING A DISCOVERY REFEREE DURING THE
DEPOSITION OF DEFENDANT JOSEPH ZERNIK; OR IN THE
ALTERNATIVE, FOR AN ORDER SHORTENING TIME ON
PLAINTIFF'S MOTION;
DEFENDANT'S (JOSEPH ZERNIK) EX PARTE APPLICATION FOR
COMPELLING SANCTIONS PRODUCTION OF DOCUMENTS AND
SETTING SANCTIONS;
DEFENDANT'S (JOSEPH ZERNIK) EX PARTE APPLICATION TO
LEAVE TO AMEND; ALTERNATIVELY FOR SHORTENED NOTICE
PRIOR TO AUGUST 9, 2007;
The Court reads and considers the moving papers and

oppositions off the record.
Plaintiff's ex parte application to appoint a
discovery referee during the deposition of Defendant
Joseph Zernik is GRANTED.
Both parties are ordered to provide the Court with
a list of three Referee names for the Court to select
one, if the parties cannot Stipulate to a Referee.
The List of Referee names is to be filed not later
than the close of business today.
Defendant's ex parte application for leave to amend
MINUTES ENTERED
Page 1 of 2 DEPT. WEI 07/24/07
COUNTY CLERK
222 / 745
Jo:.;tph ltrnik
j In /)/'O 11..'1
-' 20 S Pt:~k \ \ 1.:'11111'
Be\ erh Itills. Cali1clItlia ')0212
rd. (310) ~3:'-c)I07
Fd'\ (801 ) ,)9~-\.),)] 7
3
SlPERIOR COl RT OF THE ST.\TE OF C\LIFOR:\I.\
C)
FOR THE COL~TY OF LOS Ai'GELES
10
II
I~
12
'\\\\E S.\\L\.\~. ;m indi\.iduaL ) Case '-;0 SCO~7'tI)O
I -)' ) Js\iglh'dfo}" nil Fl!II'ilSi'S (() Ihl' HIJi/fJ!"uh!l'
Plaintitf ) .!ac(!lIclllll':1. ( ) '( '(JIlIlO!'
I~
)
IS ) EX PtRTE ,lPPI./C1 [fUV FOR.1
JO"';EPH IFR"-:IK, 'In (ndi'viduaL and DOES t ) \OTleE OF \lOTlO\ '\'il) '10 nON TO
!tJ
thwugh 2u. il1dusi\~. ) .\1.\I':E LEAVE TO '\,\IE'iD.
17 ) .\LTER"AriVELY - FOR SHORTE:\EI)
Ddt~ndants ) 'lOTICE PRIOR TO\l"GtST 9.2007;
I~ ) .\LTER',\TlYELY - 0\ .\tGlS r 9.1007.
19 JOSEPH LER"iIK. an inJividual, ) PRIOR TO JlE.\Rt:\G OF .\IOTIO~ FOR
) StJ.\L\L\RY -ll"DG\lE\T.
20 Cross-Complainant, )
) D,\1'£: rrr.SD.\Y,.JlLY .2.~. 2007
21
) 1'1,\1£: nS:JO.\\1
COLD\\ El.L BX\KFR RESIDE'\TL\L ) DEPT. I
13!\OKFR:\GF. \IlCII.-\EL UBO\V :m ) TR1.\ L DATE: SEPT ':. 2007
i IJdi" idt~lL
)
l
)
)
)
28
DdcndzllJt' ~ 1·\ P:JrtL' \ It,,tinn j(Jr

L;:a\ l: to .\ 111\.: ncl
223 / 745
TO PL\[,\TIFF. r HE COL RT.. \~D ,\.1.L P.\RTIES:\ '\D '\O'\-P.\RTIFS 1'\ THIS
.\CTIO'\.. PLL\SE TAKE '\iOTICE that on July 2-L 2007. at 8:30 lUll in Dcpartn1Cl1t I of
the abo\e-entitkd (QUIt. located at 1725 \lain Street. Santa \lonica. California. Ddl:ndant
ZER'\~K. \,,\ll mme thls comt for a LEAVE TO A\\E'\-D .\',SWFRS ,·\'\D CROSS
5 C"()\ t PI .. \1 ',"I"S.
() D-\TFD: .!uly 2t 2007 JOSEPH ZE R~ II(
s
<)
10 By Joseph Zernik
\I Defendant
12
L~
II
15 HECL\R.\TI<}' OF [)EFE~OA:"lT.JOS~:PII ZER:\I K
16 L JOSEPH LER~JK. hereby declare as folJo\\s.

J7 1) r am the Defendant in Samaan v. Zernik Los .\ngdcs County Superior COUlt Ca~c :\0.
13 5C087-\.OO.. \5 :-,uch. I ha\e personal kno\\<ledge of the facts set forth herein ,,,hieh I know
[£) to be true and COITCCt and. jf called as a \\itness. 1could and would competently testify
20 ",itll re~pcct thereto.
~ I 2) This declaration IS submitted in connection ,,\ith my Ex Parte .'''-pplicatiI..Hl t~)r a 'Jotice of

a Ileafing ;md Ikaring t~!r a L..:a\c to ,\mend Defendants ,\nS\\I~r ;tnd Cro~s Cnmpiaints.
I
" i I")) Dr.:f::ndallt has been in djsad\anta~e ~
in JiscO\er\ in this
~
liti~atjoll
~
t'nlill Oil\
~
()!Jr:, ~lf1Ct:
-~~ 1Il0~t C\ellts Iclated t\) this litigatinn \\cre Unklhl\\n to him . .\11 (jlher IMItltS \~,:rL' prj\)
" -
":..1 10 c\ enh and ducumcllt::i,ince the tnne uf the trans;Kli,)/l in 20tH
.2() l) Udendant \\(1'; further handicapped by the unusual discrepancy imposl.:d bu\\cen
n
28
224 / 745
of 5uch di SCO\ cry. there were ceI1ain issued that appeared \ery recently. that made it
absolutely necessary to amend answas and cross complaints. \ot a110\\ ing such amends
.,
. \\ould suppress justice in this case .
5} D~fendant flied that motion in a timdy fashion. and it \\as prop~rly scheduled. \lnre
.5 reccntly . Defendant received a notice of order that mO\cd the hearing nf this critical
motion uHtil after lhe \-lotion for Summary .Judgment by Plaintiff. This may result in
7 suppression of justice in this case.
s
I make Ihis ueclaration under penalty of peljury accordill!l. to the la\\ s of the ~Iale of
LV} ~
to Calitl)mia. Sign here in BeH?rly Hills on the 'N..th of July. lOO?

\\
12 --.-~ -..-.f/_-&..
13 JOSEPH ZERNIK
1.5
/6
17
18
19
.? /
-)7/
28
- ---- -- ----- ---~ - --~... - -~-_._._--- - ._-
Defendant"" Ex Parte \lotion to

225 / 745 \otic~ Di..:po of Samuels. to
PROPOSED ORDER:
) I) SlIORTE:\ED "OTICE PRIOR TO Al'GtST 9,2007; .\L n':R:\'.·\l'IVELY -
3 2) ON ,\LGl ST 9, 2007, PRIOR TO HL\RI:\G OF 'lOTIO' FOR Sl '.'I.\RY
-+ .Il DG"E~T
.5
6 I
I
7 I
8 I
91
10 II
I1 II
PI
13!
1,+
15
16
17
18
[9
:21
),
26
28
D~fendant';;Ex P,irte \Iorion to

226 / 745
\otice [kpo of Samuels. ro
FILED
LOS ANGELES SUPER10R COCRT
Ju~cph ferni\': JUL 2 1 Z007

Iii 111'() 1\'1'
320 S Pl'l'k.\\ 1'l1Ul'
·f Be\ erl) ~ li1ls. California l)1)212
f ... 1 (310) -.f 15-9107

6 Fa:,;. (8(1!) ,)Q8-I)Cl 17
-1',. \ ,l I
, I \~_
7
SLPERIOR COl'RT OF THE ST.\ TE Of C\l!~OR:\L\

l)
FOR TUE COlj~TY OF LOS ,\;\GELES

10
,,
12
'·d\ IE S.\\IA\~. ~m individual, ) C:.lse ':0 ';CCS;t(){)
) .hsix//edfor all j>1Itf'()se\ In ihe !f()//(jl'oh!e
Plaintitf ) .foct/llc1mel. () '( '1I1/1lUr
l-.f
)
I~ ) EX PfRTE .1PP1JC 1 FOR.1 nos
JOSFPH ZER:\IK. an indi\ idual, and DOES I )\,OTIC£ 01'\10'1'10.'4 .\.\0 MOTiON TO
lb
llIrough 20. inclusive, ) SHOW C\LSE FOR:
17 ) 1) :"iOTICI~G THE DEPOSITION OF MR
Detendants. ) SA.\UOR S\\lLELS
18 ______________. . ) 2) CO.\IPELLL\G fRODLCnO'i OF
\9 JOSEPH ZER:\lK, an individual, ) DOCL\IENTS BY COLT NTRY'VIDE'~
) 3) SETTI'iG S,\'iCTIO'iS~
20 Cross-Complainant, ) ALTE:\iR\TIVELY - FOR SHORTENED

) NOTJCE HF:'\'~J.\G.
21
)
22 COLDWFLL BA:--"KER RESlDE~TIAL ) D.\TE: n ESD,\ Y, ,'L L Y 21, 2007
I3ROKFR:\GE. \1 !CH \EL L1BO\\'. an ) Tn-IE: 1.18:30.\\1
.... ,
..:. .) ) DEPT. I
indi\ idL;JL
) TRL\L D,\ rE: ~EPT 7. 2007
)
( 'r< 'S5- Dl'knd~HltS )
27
28
_. . - --
~._-_."- --- -_._---
Dcf';..'l1(bnl·:) r '\ Pane \ Jdinn hir ;1l1

O/?ULR 10 SHOW C\LSE
227 / 745 H; \f\. I..; r {'()I vrR \\\lnF
ITO PL\[;\;TIFf. !'HE COLRT.. \~D .\LL. P.\RTIES .\\0 ,""O\-P:\RTIES 1\ nilS
-, :\('TIO\. PLE.\SE T\KE ,,"GTICE that on July 2l 2007. at SJO a.m, 111 Department I of
.3 the abO\e-entitled ~ourt. located at 1725 \1ain Street Santa \tonica. California. Ddendant
t ZER\.\K, ",ill mO\e this court for an ORDER TO SHOW' CALSE .\Cj,\l"-.ST '~O'\.;
5 P\RT'{ COL\. rR'{W1DE FOR:
6 I) '\OTlCI:\G THE DEPOSITIO:\ OF \lR S.\:'-JDOR S.\\llELS
7 2) CO\lPELU\G PRODtTT10~ OF DOCL\1E\TS BY COtL\TRYWIDE*
8 .3) SETTT\G SX\CTIU\S
9 In reccnt weeks. {he Couli allov~ed again hearing of motions related to disc~)\ery. i.e.
10 CtHll1tTy\\ide's ex parte. and then so called "noticed" motion, Defendant has been in
1\ Idisadvantage in disco\cry in this litigation from day one. ';;ince most (:'vent~ related to this
12 Il!igati~)Jl \\ae unkno\\tl to him. All other parties were privy to C\ctlts and d~)(uments since
13 the time of lhe transaction in 200"+'
14 Defendant \\ as further handicapped by the unusual discn:pan-.:y imposed bct\veen Discl)\ cry
15 Cut Ofrr Date and Trial Date. Regardless. Defendant managed to a:)-.:d~ltain many t~lcts that
/6 were never kno\\n to him before. However, given the sequcntial nature of such discmclY.
17 there \vcre certain issued that appeared very recently, that require some additional discovcly.
l8 Defendant requests that the court level the playing tield. and allow Defendant a small
/9 measure of the licensc given to Countrywide in their most recent \lotions.

20 [J\TED: July 24. 2007 JOSEPH ZER\!IK
21
") )
Defendant
26
7.7
28
[)<.k;)d~I\~\; L', P:1PC \~I'\i,)n to ':~HO\\

l.\l -;f VJi\l'-.ST CUt :\TR'r\\ IDE.
228 / 745
Sl PPL£'lEYfAL DECL\RATIO~ OF DEFE:\'D.\:\T JOSEPH ZER:\IK
l. JOSEPH ITR.\ IK, haeby declare as foHm\-s.
I) I am the Defendant in Samaan v. Zemik. Los Angeles County Superior ('OUIt Case \'0.
SC087~OO.\s such. I have personal knm:vkdge of the facts set fonh hcl-ein \\ hien I knovv
5 to be true and correct and. if called as a \\ itness. I cnuld and \\ould competLl111y testify
fJ wirh re"pect thereto.
7 :2) This ~kdaration is submitted in connection \vith my ['( Pan.: .\pplication fiJI' an ORDER
8 I TO SHOW C.\LSE .\G\I:\ST COC1'.TRYW1DE.
9 3) THE OEPOSITIO~ OF 'tR SA'HELS: Deposition of \[r Samuels is necessary to

10 asceItain that Defendant can rebutf deliberately misleading statements introduced in
\1 ')amaan \' b~l11ik related to loan approval of Samaan.
J :2 t) !n \fotion to Expunge Lis Pendens in November .2U06. Plaintiff introduced in her Sur
13 Reply brief new e:'\hibits. One of the central exhibits was an unsigned. jm aliJ
14 Ctllll1tr~ \\ iJe L'lldenvriting Decision;Condition Letter (Exhibit I). I'his kucr \\as
15 issued as a statlls repOIt by Countrywide's l;ndenHiting Cl)Illputer system on October .26.
16 2004. at IOA-t51.as shown in the date~time stamp in the middle-bottom of page I and
17 page 2. . This letter was t:1xed to the BonGwer (Samaan) or her Broker (Parks) on
18 October 26. 200..\.. at IO:54am.
19 5) \ Ir Keshavarzi and \Jr Parks mislead the COUIt to believe that the document is of October
20 It ,]004. and that it infomlcd them that Samaan' sloan appro\ al \\ as delayed or even
21 suspended because some missing signature or initials of lemik on a Purchase .\greement
or Initial ()n~.:r.
"
'23 6) Plail1(J ff lhrough her attorney of R..:cord. in ihe Sur Reply 13nef _ P 7. :1110 ~ )ppo')itioll,
2-l f::'l.hibit 2-l.-,tatcd:
25 7) '"The following ''teck, on Friday, October 15, 200-l, Parks learned that the lender
26 was suspending a decision on the loan bec:.lUse defendant hau not yd pnn"ided
"~7 Parks ·.~ilh ,I signed Purchase\greement (Parks Oed PI I. Edt 2 n"
.28
Defclld,Il1t":; Lx. PZll1e \lotion to

229 / 745
"-l1tice Depo of Samuels. to
1
I~) Such statements \\ ere repeated so many times in so many \ ariations. that the court by
., no ..\ believe that th~.Te is an element df truth in it.
I
:-; '9) Zemik tinds it incredibly time consuming and ditticult to contradict ncr) ddail of these
.\. fraudul~nt claims.
5 IO)Thercforc, the most dfecti\e way to handle it is to eradicate it from its root· this
(1 bbrication is all based on the misrepresentation of this single document as coming to
7 Parks atkntion all or about October 15, 200,f. This letter is an Lndemriting Status Jettee
S and a status letter of October 26, 2004, could not possibly come to Parks attention on or
9 about OctolJer 15" 2004.
10 II 1):\ lorcO\er. it is difficult to belie\c that this was naive error. The date of October 14.
II 2004, indeed appears inside the letter. as part of the k'\.t but the h:tter itself was issued
12 only on October 26,2004. That date. of course. \\as of no usc to Plallltiff sInce escrow
J 3 ,\as already cancelled.

14 12) Furthennore to ascertain that Plaintitfis aware ofhl:r wrong, l~fIljk issued in April 2007
15 to Att K.esha\at"zl a \IOtlon Based on cep 128,7. \\here detl:lHlant lisred many ()frhe
16 docu1lll.'nts that \\ere used by Keshavarzi by that rime, and \-\ere held by Ll.'ll1ik as part of
17 ottending fi lings.
18 \ 3)Regard\ess. Att Keshavarzi continues to pl.'rpetrate this lie, v'ihich is at present central to
19 the case of Plaintiff They simply have nothing tmthful to supplement it.
~o U)Gin:n that \kLaurin is hostile to Zcrnik's cause. Zcmik had no choicl.' but lind another
2/ Countrywide otficiaL higher than \1cLaurin to refute this blatant lie,
')., \ 5) lcrntk v"as :iure lhat \11' Samuels in his capactt) as President (If i3d {/i::dek. 3.nd \\ith
13 his calls ('n the \\d) to ntfcr help in ;my case uf real e~tate li'amL \\oHld ~\\ I I'll) Pllt the
.~,l facts in order

~5 \ ())Zl:l11ik was abo ...;urc that given \lr Samuels pu.,iti\)/l in Coulltl}'.\Hk. \'.hut he is vested
:'6 \\ lth rhe safeguard of the integrity ()f the operations, he would not hl'\tllak to (oncet such
27 blatant !ie
Defendant" s L:" Parte \\otion to

\c,rice Dcpo of Samuels, to
230 / 745
17) Instead, \ 1r Samuels chose to purSll~ a Protective Order against lcrnik. But he has 110t
e\l..'n negate yd the fal~e infonnation, perpetrated through \ k Laurin and a Cnl1lJtI)'\\iJe' s
document.
\8)l hold and believe that allowing this fraudulent fabrication to ',~tand may be critically
5 harmful to Zelllik's case.
19) I hold ;md bdieve that this issue can be resolved by a verifil'd statement by \Ir SamuL'ls,
7 or another appropriate official designated by him could have resohed the issue \\ith a
S \ erified statement.
20) CO\IPEL PRODCCTIO;\:
10 21) Samaan under the guidance of Keshavarzi, skillfully shifted the focus of Samaan "
II Zcmik to the undcn\rltlng process of Samaan Loan )\pplicat;ons. The case initially was
about Samaan's bilure to perfonn on a real estate contract. But the Llcts and the law
there nas simple and clear. and Samaan had not case at (Ill based ('11 such.
22) Z;:rnik had no idea regarding events related to Samaan's loan apprO\aL and Salllaan had
a staunch ally in Countrywide San Rafael -. \lcLaurin .. Therdore. shifting the case to
16 issu('s of underwriting Sarnaan's loan applications \\ere vcry useful.
17 23 ).\s it turned out, it was even better than that. It turned out that eountn \\ ide \\as almost
13 a captive in the hands of Sarnaan in this case. Samaan's loan file included blatant and
19 egregious violations of the law regarding banking regulations.
20 24 )Starting with the subpoena produced to me in A.lIgust .2006. COllntry" ide' s Legal
21 DepaI1ment tried to dean up the file. But such dean up never \\orked all the \\a1'. lhe
11
production \\as blatantly deceptive. For example: the qumtessential t..!oclIm<:nt (11 <;uch a
~,
" , Ilk is the l'niform Loan Application (lOfH). But the COpy on tile \\3S clearly
2+ 1dulterated v,ith t-.\O "Date Received" ',tamps (Exhihit 3).
25,lt is impt)..;;:.;ible that such banking documents be preSUlted in SHeil ',tate \\ ith no logical
c\planation dlld no internal or external rcpolt.
~61\ild
)'7
... - ! stilL dunng diSCO\l.?ry and \ket and Confer attorney 8('i.'cl-; and. \tt :':i!JaLr. )Imply
.?S lied and claimed ihat Zernik \\as asking fi)r doclIments [hat did
'-' - nut nj.,t
- . ~ -
Defendant' " Ex P;1l1e \rot10n 10

231 / 745 -5- \otice Depo of Samuels. to
I
I
27) Only after I sent the email to \Ir Samuels with a copy to a couple of Rabbis and a
)
Retired Judge. for the tirst time COUtltl)\\ ide admitted that they had -:onduded an
-.
.' internal illvestil2,ation and concluded that Zcmik's al1e!!ations
~ ~
\\LTC "\\ithout merit."
l Pr\nr to that. the standard response to my request for internal iB\e~ti~atlons or inkmal
5 audit reports. as required in such situation. was that [ \\ as "asking for documents that
6 did not exist".
7 18)Simibrly. I \\as l)fJly \el) rC(l~ntly informed about the imestigmilm by the Office of
8 Thrift Supervision. rhat report should be produced as wcll.
9 29)£vcr since December 2006. I protested that incorporatil)Jl of blank "Conversation Logs,
10 San Rafael" in the Subpoena. According to LndenHitcr Diane Frazier. :mch forms had
II never been Hsed in San Rafael since 1989. the year that she joined C\:Hli1tTy \\ide. Inst~ad.
12 I repeatedly requested copies of electronic notes. but \-\ as denied sllch. \\ ith the cLtillls
13 that they did not exist. \Iaria \IcLaurin. in a phone call in Dec,.'mber :::006. explained to
II
14 I me that she dnd the Legal Depaltment ddennined that such ".. ere lwt CI)\ ned b)
15 I subpoenas for documents. That view of course is absurd. c'\..I1 email notes ti'om
!6 September I. 2004 to the present should be produced. that include the \\ ord Samaan or
17 lemik in any field. \\ith a declaration of an authorized pcrson \\ ho describes that quict)
18 method utilized.
19 30 )SET S:\:\CTIO:\S: I ask for sanctions for the failure to comply \\- ilh subpoenas for
20 docurnents (5 ill total) and the submission of this motion at 5:2 1-1-0.
21 :11) I ..en·ed notice of this subpoena to Au .\1oldawski and .lohn .\merb Oil .July .23. 200...
J)
prior to lO:OOam. I then called and tried to find W'dys to :nnid this hearing. Thev
.2J .
.l!sO indicated that thev would attend today.
.
~-l I 1lI,lke lhh declaration under penalt).tr perjury acclJrdlllg to the !il\\-~ d' the ~,f~ltl' of
25 C:lhfilmia. Sign here ill Beverly Hills OJ} IheT~l of July, .2007.
.~() "
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232 / 745 '<orieL: Dcpo uf Si1rnuels. to
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--- 1
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8
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233 / 745
",ptic...: Depo LIt' Samuel:,. to
Amberg, John Wolf jennaomoldawski@bryancave.como 01 ;06 PM 7/23/2007. Fwd: Samaan v. Zernik
0
To: "l\mberg, John W." <jwamberg@BryanCave.com>, jenna.moldawski@bryane3vecom

From Joseph zernik <Jz12345@earthlink.net>
Subject: Fwd Samaan v. ZernikJEx Parte Notice
CC
Bee.
Attached:
July 23. 2007
AtL Amberg. AU Moldawski
I write to follow up on the notice that at 8:30 a.m. on Tuesday. July 24. 2007. J will appear E", Parte in
Department I of the West District of the Los Angeles County Superior Court located 21t 1725 Main Street.
Santa Monica, Califomia 90401 for:
Ex Parte application for a hearing for Order to Show Cause:

a) to Depose Mr Samuels
b) to Compel Production
c) to Set Sanctions
Please let me know if you are planning to attend on Tuesday morning.
I was hoping to meet you in court this morning to try to resolve this issue through a jOint
stipulation. in the hope that we avoid burdening the court with another appearance. Until today, I
assumed that the court would not allow any motions on discovery at this time. The ruling today
in fact allowed motions on discovery to proceed Therefore, the following issues could be
resolved:
a) THE DEPOSITION OF MR SAMUELS -- can be resolved with one sentence verified
statement:
The unsigned 1st Lien Underwriting Letter (there is only one such Underwriting Letter in
this case) was issued on October 26, 2004, as indicated in the date-time stamp in the
body of the Letter, and it was faxed out to the applicant and/or her Loan Broker on
October 26, 2004, as well, as indicated in the fax date-time stamp in the fax header
imprint, but some of the data in the body of the letter was entered manually into the
system by Diane Frazier, Underwriter, on October 14, 2004.
I truly believe that Mr Samuels owes it to himself as the President of Bet Tzedek' it is a worthy
institution, and I would not like its name associated with any controversy.
b) COMPEL PRODUCTION:
i) Only af!er I sent the em all to Mr Sam uels With a copy to a couple of R 3ubis and a Retl(ed
Judge. for the first time Countrywide adm itted that they had conducted an internal investigation
and concluded that Zernik's allegations were "without me rit." Prior to troar the standard
response to my reqL.;cst for Internal investigations or internal audit reports as reqL.;I«,?d In such
situation, was that! was "asking for documents that did not exist".
ii) Similarly. I was only very recently informed about the investigation by the Cff;ce of Thrift
Supervision That report should be produced as well.
iii) Ever Since December 2006. / protested that incorporation of blank "Conversaticn Legs, San
Printed for joseph zernik <jz12345@earthlink.l1et> 1
234 / 745
Amberg, John Won jennaomoldawski@bryancaveocom, 01 :06 PM 7/23/2007, Fwd: Samaan Vo Zemik
0
Rafael" in the Subpoena. According to Undervvriter DIane Frazier, such forms had never been
lIsed in San Rafael since 1989, the year that she joined CountrY\Nide. Instead. I repeatedly
requested copies of electronic notes, but was denied such, With the claim s that they did not
exist Mafia McLaurin, in a phone callm December 2006, explained to me that she and the Legal
Department determined that such were not covered by subpoenas for documents. That view of
course lS absurd. All email notes from September 1, 2004 to the present should be produced,
that include the word Samaan or Zernlk in any field, with a declaration of an authorized person
who describes that quiery method utilized,
c) SET SANCTIONS
In the context of a motion, I would ask for sanctions for the failure to comply with subpoenas for
documents (I) In total) If we resolve this with a joint stipulation, I would leave It out altogether.
Please let me know if there is a way we could avoid another court appearance, My cell is
310435-9107
Joseph Zernik
----------------_._-,_._---------
Printed for josepl1zernik <jz12345@earthlink.r1et> 2
235 / 745
EXHIBIT .2
8
9
10
\\
12
I~
15
16
17
18
I')
2l
Deflndanf" L\ Parte \Iotion to

236 / 745 -8- ,\l)tict~ Dcpo of Samuels, to
FiOM :~'JE:'1)cf 26 21104 1O:54/ST. :U:S3/t!a 6~3487066£P
COuNTRYWlOE ,",OUE LOANS, INC. M'CllAe:.. JAMES O·lU'.I:':'L~ DBA P1'.CH1C

MORt~t CONSULTANTS
Bra.nch .: C~ 00 ~ 3 3 Bt~.... ~ct· _V.;;::.;;C.;;I.;;O;.;R,;....:.:..:ARK===S

. _
7,,0 :.!N:JAAO SIRE:!:T S'II! ~ 1J
SAN RAFAEL, CJ.. 94901 8ro..... Pl"on.·
"none: (415)25'-2701
FAx- a",C"A( Fax .:
II you Mv. ql.l8'Sdons aboUlIt1I. ~, p l _ corrUM:t us at thQ phone nucnbar aooVQ.
Loan number 6:'37)75 ha~ c~an r@vie~ed at t~e fo:lowinq ~er~~ fer NIVTE SA~N,
~Typo: OW11E;R OCCU P IBO

~nTYl"': !'lErJUC;:O
Ana,..,. Typo: PURC!iASf; R~k Grad.: N/A
Pn>porty_u.;320 S Pf;CP< DR C<-odt Soor.: 723
B~P.L't H:LLS, Ch
90212 -3'715 Lock Expiration
Datl9:
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1,314,400. DO
....pra.wd \I"~.
0.00
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lTVICLlV
80.00 f 90.00
1~IlylIlQRalI SIatt_ Ro_F>1o Dille Pis
,10. SOJ 5.5CO 0,000 0.000
II.....
2.461
Ioolwgirl
Z.250
T..",
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IPrepal"'*'t F>.~7
No, NO. of ~oa, 0
Thi.s ~o"n has !l.tm SUSPENDED "tlt.i.l. t;h. ~ollow1t\'l' inEormation is provided. 14.. ",,,,,t. receive
this ~nform~tion by 10/25/2004, t f ~e do not receive it by that date, ~e mU5t c103. t~e file
for lncompletQnQ~3. ~n we r.ceive th~ in£o~et~on, we will review che f~le !or further
detertninac ion.
~~rp &ppro~.l reqfd for ~hi • • nhanc.d pro9r~ vI .~S~ ~dd.d ~o
fee' .ny candi~1on', p~ovide s oompl~t. c~py p~c~~e alenq w1t~
c).;l.l conl1.1.-;.lons .1.n t.rJ.pllcat.
z r~~~lni to be correc~ed ~o ~how .", ~~ :Q l~e !oz ~nla ~nh.nc.d
exc~ption p~oqx ..
~ ~rnV10. ~ompl~t~ ~w.eu~~d ~Ur~h&5. eo~erDat• • • C~Q~ ~nBtruct1on~

will not .ct • • • • ub.e~e~t~
~ AI?I?!\AISAL-JlC~ EU;I.D IlJ:VH,. (TO SDPJ>Oll.,. S l

$1, ile.COc pLCqZ4m quld.l~n. a~ cca~ to brvr.. _111 ozde~ .fter
eorp App%ova1 (ordor.d 10/'-5/04)
CQI\l\ECJ;Et:/s!c,,'Ul IDe:! fAT l.OCK-Il'l-IU"::£1

.how tyP4 of buein.s.
(Page 1 of 2 l~f2'f2004 lO:44.51)

• UNcEAWpm>;<; OEC~I(j...cONDlllO~ LETTER. 'l\Ul
1£2<!<-<JS iOlMl4J(dl
1IIIIIIIOIIUII
'O'17373T~000002!2111'
237 / 745
~IIJU()C~ 26 20C~ ~ C::C'$~, ~: :~3/~JO, 533457D666 P
~., 81737315 Borrcw.CI N&mo: -'S,;,.»IJ.M=.:::.....:;.:..,....:..N.:I:..;V..;!:.;£:.... _
w. ~~l~ be ~ble ~e fund your :~n ~he~ t~ follo~in~ ;Qnd~t1on~ 4r* ~et (~he •• ~~~ms will A!to appear
un yo~r closln9 In.~ruc~io~a):
C;Ofld1't.1on Condit.iO'tl DeIiC/Cer.>tnrrlifnt.,.

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6 APPlUclSlU.~ l\CCEP'l:AB1.£ CKL/N£W APt-nAXM:t. IMI~ \lAL-~_l
if no~ fundod by ~2/~ prQvide • drive~ axe e~ c Z.C~4t
~, APPlUISA.L-A,p()R.AIU.ll TO ~lla"'It>li Cl.'iUIDlT UCWSC

Pravid. _lso an ~dd1tlon~1 ~O~ ~£ color pho~os
9 I'!:LOC - ~Ol:'Y OF FIIV>J: MORTGJt.GJ!. NOn:

C~ncu~r.~e ~loa8 with 4nd . t 1111800 , provid~ ~t.
10 INCOME-CO~r~TE/SJGNEDrORN 45C6 / 95-01
Thank ~u f~r .uDmt~tinq your leAn t~ Co~n~d.r Am.r1~aI5 "hol••• l. L.n4cxl M~ s1nc4I~ly &ppreci.t.
YOUr: br.z,;i.oe:s"
DIANE FRAUER lO/HfZOO~
Branch MClndQ":'
Dote
Condit ian D41se/Commonts
5QRRQoa;a IIlU1:n::N =L.l\Nl\Uotl R£ll1>.RD:tNG

Acc.ptabl• • x~l.n~ioh Why bU~Lne •• ~n Gll r.v.r.e ~s on 1227 So
~;l.tr.tl(j( i..A.
Provic:l.. 0"1 b\J:d.n.3111> lll,.;..n;,. Q~ C:rA l.tter ver:!.:fy1nq t1J..¢d. J.as~ 2

yr5 1040'. AS G~lf ~nployed .~. loeat~9~
WF bk ,~m~ .68:-40ge)BO for 7/12 thr" 8112 .~ $180k
lP.g~ Z ot 2 lOfZSfl001 l~:44:521
• U"~R'ilRm"G DEClSlooo.coNomON LETTER· VtW

=,-lJ&{U'iIlM)
238 / 745
EXHIBIT 3
8
9
10
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15
16
17
13
19
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:21
22
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17
Di.:r..:nd;1l1t's L,{ P:nt\: \lotion to

239 / 745 -9- '-'l)tice LJ..:po of S;\JI111ds. to
Unitol Residential Loan A~L-··I_c_a_ti_o_n _
lllls ~ is ~lAbe CCl1llIlelIdbf'" ~qe.l.Clld/Ir's~ AppkrdIWuIII~INs!:llm. "lIamlwel" ar·Co-~. a5
.ppiIcaI& ~ ~ must also be plllIided (lind !lie RpprqlIIIIa _ dledllld) ~ Db
~ III' _ _ cia petICllI otl8I" l!lan IIIe ~
,~-~~)....,.uud.llballat:lrmn~lII'OI2le~ arlPMlsalllW ~ ~\..a no\\lIe<..al_ elluls lorlllllll
=
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i'lDPelll' 5181, arlllllllllmM<!r Is ~ t10 "'*1lIllP!'\' b:lIIad In. ~ ~ ~. a biIlils lolrlepl!l'lllllll<tf1llll1:Jilrl.
I DOlIlw(lIll1l'_ AQe:lcycase~um!nf
.~semao
~ No. ClI C'Mr (EqlIaIn):
s 1,374,400 Yo 360/360 Type: DGPM AAtolltnJel:! Yr I/O
c= '
A.:._
~"b1eCt !'roperl'f "'~ dlV. <toe. ZJPl
U. i'ROPEfUY INFORJ4A,l1Oft·AftI) PUIWOSE OI"1.OAJ(
JZO S. Peck Ddve. Beverly Hms, CA 90212 County; .Loa Angeles

\.l!1laIOeIo;z\lI*ln ~~(-~
=CoIJIpI." r1IJs 1In.1f~

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01' ~annatI8ftlloan.
\Amot.et EJlslIng l.!eIIs Ica} I'nl5ahl V.we of Lol
[.$
Yra. SdlOOl
1227 1/2 S. AHi:ed SUeet

to. Aqdea, CA. 90036
_ _Na.V"-
- . - ...tmll8Sl 01 et:1p!ll<yt!r Sell ~ 1Yts. "" ll1ls jalI

3peJlbollDd Enterprise. Inc. 4 yr(s)
133 S • .i>ec.k Drive, Suite 104 /Yrs. emplayedilltl!s ",,"- ":<:'):>''''/00 ~
Bevorly HiI1&, CA 90212 l~worlr.I;ltc· iJ.1."I~iM
i,,:>~liaa'TlIiell';poal9~ "1»,,,,= P~"". (Ind. err" r=la) 1i'<;=TiJ"TJP~III B<J&lMU ----Ioiii,;;.:si.:~cl. .roa =.el
_?reliident I 323-655~S654 . _
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----~ I
240 / 745
PROPOSED ORllER:
3 I} rhe COUll orders lemik to immediately notice depl.)sition of \Ir Samuels in coordination
wlth Art for Countrywide. no later than ;\ugust 6. 2007
5 2) The cowl orders Zernik to sene notice to Country\\ide to compel prodUi.:tion of

docullll'nts as li-;ted in \Iotion.
7 3) The Cl.lUll sds sanctions in the sum of 52,150 to be paId by COLIlltf) \"idc to I:emik vvithin
8 20 days.
<)
10
\\
12
13
J·t
15
16
17
18
19
10
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2-l
25
26
Defi..:nl.hmt'., E:'< P.ifh: \fution t,)

241 / 745 -10- \lltice Depo I.)f Samuels, to
PROPOSED ORDER:
1) SHORTE.\ED .\OTICE PRIOR TO .\tGtST 9,2007; \LTER'\,\ rI\TLY-
2) O,~ Al erST 9, 2007, PRIOR TO HEARI~G OF '.OTIO'l FOR Sl ,nt\RY

.n OG"E'\T
5
7
8
10
II
12
13
l-l
15
16
17
13
19
))
)i
..:. I
Defendant") F\ PRrte \ lotion h)

242 / 745 '",rice ()..'jW of Samuels. to
SHEPPARD MULLIN RICHTER & HAMPTON LLP
A Limited Liability Partnership
2 Including Professional Corporations
PHILLIP A. DAVIS, Cal. Bar No. 110430
3 MOE KESHAVARZI, Cal. Bar No. 223759
333 South HORe Street, 48th Floor
4 Los Angeles, California 90071-1448
Telephone: 213-620-1780
5 FacsImile: 213-620-1398
6
Attorneys for Plaintiff Nivie Samaan
7
8
9
10
11
NIVIE SAMAAN, an individual; Case No. SC 087400
12
Plaintiff, Honorable Jacqueline A. Connor
13
v. PLAINTIFF'S E)( PARTE
14 APPLICATION FOR AN ORDER
JOSEPH ZERNIK, an individual and APPOINTING A DISCOVERY
15 DOES 1 through 10, inclusive, REFEREE DURING THE
DEPOSITION OF DEFENDANT
16 Defendants. JOSEPH ZERNIK; OR IN THE
ALTERNATIVE, FOR AN ORDER
17 SHORTENING TIME ON
PLAINTIFF'S MOTION; ,
18 DECLARATION OF MOE
KESHAVARZIj
19
20 \ '
21 : '.,
22 \
23
24
25
26
27
28
-1_- _
243 / 745 \\02,WE'S f1 \l\IKl ':003~srql PLAI:-.'TIFF'S EX PARTE APPLICATION TOP
Court File: "Volume IV Continued" APPOI:\T DISCOVER Y REFEREE
EX PARTE APPLICATION
2 Pursuant to Rule 379 of the California Rules of Court, plaintiff Nivie
3 Samaan (hereinafter "plaintiff' or "Samaan") hereby applies Ex Parte for an order
4 appointing a discovery referee to preside over defendant Joseph Zernik's
5 ("defendant's") deposition.
6
7 Good cause exists to grant this Application because of the following

8 reasons: defendant appeared for his deposition on July 20, but was completely
9 uncooperative in providing responses. For example, at the outset of the deposition

10 Zernik asserted a standing objection that all his answers were "hypothetical" and
11 could not be presumed to be valid. On several occasions, when no questions were
12 pending, Zernik gave long speeches about irrelevant issues. Zemik also insulted
13 plaintiffs counsel when, in response to a question, instead of answering the
14 question, Zernik said "It's like is your sister is a prostitute? Did you ever say
15 that your sister was a prostitute?" (Keshavarzi Decl., Exh.,4).
16
17 The Court should grant Samaan the relief she seeks on ex parte basis
18 because Samaan's reply brief in support of her motion for summary judgment is due
19 on August 2. Samaan needs Zernik's testimony for her brief. By playing games and
20 providing evasive answers Zernik is preventing Samaan from obtaining crucial
21 evidence for her motion.
22
23
24
25
26
27
28
-2-
244 / 745 W02-WESTl\1\lKJ -t(J037R279 I
PLAI"\.iTIFF'S EX PARTE APPLICATION TOP
APPOI\iT DISCOVERY REFEREE
Pursuant to Rule 379 of the California Rules of Court, plaintiffs
2 counsel gave notice of this Ex Parte Application to defendant Joseph Zernik on
3 Sunday, July 22,2007, approximately 6: 13 p.m. (Keshavarzi Decl., ~ 3, Exh.\}).
SHEPPARD, M ,L , RICHTER &, HA~P;ON LLP
By
OE KESHA VARZI
Attorneys for Plaintiff
NIVIE SMAAN
245 / 745
I.
2 MEl\10RANDUl\1 OF POINTS AND AUTHORITIES
3
4 Pursuant to this Court's order, Zemik appeared for his deposition on

5 July 20. The deposition, however, lasted only two hours because of Zemik's wild
6 and outrageous antics and because Zemik provided evasive answers. The last straw
7 came in the form of an insult when Zemik, instead of answering plaintiffs counsel's
8 question, responded "It's like is your sister is a prostitute? Did you ever say that
9 your sister was a prostitute?" (Keshavarzi Decl., Exh.A).
10
11 The Court should grant Samaan the relief she seeks on ex parte basis
12 because Samaan's reply brief in support of her motion for summary judgment is due
13 on August 2. Samaan needs Zemik's testimony for her brief. By playing games and
14 providing evasive answers Zemik is preventing Samaan from obtaining crucial
15 evidence for her motion.
16
17 The court has the power to appoint a referee to supervise the

18 deposition, if necessary. The referee may be ordered to hear and determine any and
19 all discovery motions. Cal. Code Civ. Proc. § 639(a)(5); Jogani v. Jogani, 141 Cal.
20 App. 4th 158, 176 (2006). "Where either party anticipates that the other will try to
21 frustrate legitimate discovery at a deposition (e.g., numerous, frivolous objections,
22 or evasive answers), the referee's presence can curtail such conduct. The Court can
23 appointment a referee on application of either party or on the court's own motion."
24 Weil & Brown, et al., California Practice Guide: Civil Procedure Before Trial,
25 § 8:743 (2007). A formal noticed motion is not required by the statute. Cal. Code
26 Civ. Proc. § 639(a).
27
28
-4-
246 / 745 IW02-WEST1\1\lKl ..003 7 82791
PLAf.\ITIFF'S EX PARTE APPLICATION TOP
Court File: "Volume IV Continued" APPOf.\T DISCOVERY REFEREE
Here a discovery referee is necessary because Zemik is frustrating
2 legitimate discovery at his deposition by refusing to answer questions, repeatedly
3 making frivolous objections and giving evasive answers. Without a referee Zemik
4 will not provide substantive answers and will instead continue to subvert plaintiffs
5 ability to conduct discovery. The following are examples of Zemik's gamesmanship
6 and repeated refusals to answer questions during his deposition on July 20:
7
8 • At the outset of the deposition Zemik asserted a standing

9 objection that his entire testimony during his deposition and all his answers were
10 only "hypothetical" answers and that his answers could not be assumed to be valid.
11 (Keshavarzi Decl., Exh. A).
12
13 • He objected to the question "do you agree that Samaan's deadline

14 to remove the appraisal contingency was October 11, 2004" on the ground that it
15 calls for a legal conclusion, refused to answer the question and instead responded
16 with a long diatribe about possible forgery of documents in the case. (Id.)
17
18 • He refused to answer the question "when was your deadline to

19 provide a fully executed copy of the purchase agreement to escrow" on the ground
20 that he is not a lawyer and the answer calls for a legal conclusion. (Id.)
21
22 • In response to the question "did you ever tell Samaan that you
23 broker did not have any authority to enter into any agreements with her on your
24 behalf" Zemik responded: "It's like is your sister is a prostitute. Did you ever say
25 that your sister was a prostitute?" (Id.)
26
27
28
-5-
247 / 745 \\02-WEST I v1:vlKI 40037827') 1
PLAINTIFF'S EX PiRTE APPLICATION TOP
APPOI~T DISCOVERY REFEREE
• He refused to answer questions about a declaration he filed with
2 the Court in November 2006, on the ground that he was not shown the original, even
3 though he H'GS the one who filed the document with the Court. (Id.)
4
5 • When shown his November 2006, declaration and asked whether

6 his statement that he did not initial every page of the Purchase Agreement and did
7 not sign page 8 of 8 until October 2004 were accurate, he objected that the Purchase
8 Agreement is ambiguous. (Id.)

9
10 • When asked whether during his tenure as a professor at USC

11 anyone ever alleged that he violated the USC employee handbook, he objected to
12 the term "alleged" and refused to answer. Od.)
13
14 The foregoing are just some examples of Zemik's conduct at his

15 deposition. Zemik's conduct is precisely the type that requires to be monitored by a
16 referee. Without a referee, Zemik will continue his abusive tactics and will continue
17 to raise baseless objections and give evasive answers. Therefore, Samaan requests
18 that the Court appoint a discovery referee and order that Zemik pay for the referee.
19
20 Dated: July 23, 2007

21 SHEPPARD, lV1 L ~ITN, RICHTER & HAMPTON LLP
22 \ .
\ 1\:\1\ ~
23
By \\ i\ \~I\I~
24 \;ql E KESHAVARZ1
25
NIVIE SAMAAN
26
27
28
-6-
248 / 745 W02-WEST 1:Vl:V1KI -100378279 I PLAINTIFF'S EX PARTE APPLICA nON TOP
Court File: "Volume IV Continued" APPOI~T DISCOVERY REFEREE
D\TI 07 / 24 /0 7 DEPT. WEI
IIO'\O!<\BLE JACQU2LI)JE .r:".. CONNOR JLDGE V. JAIME DEPLTY CLERK
JlDGE PRO TE\1 ELECTRO\'IC RECORD[:\G \10:"'[TOR
B. VARGAS CA Deputy Sheriff NONE Reporter
8:30 a SC087400 Pia lIlti tl HOE KESHAVARZI (X)

Counsel
NIVIE SAMAAN JOHN W. AMBERG (X)
VS Ddemlant BEHALF OF COUNTRYWIDE
JOSEPH ZERNIK (X) Counsel JENNA MALDAWSKY (X)
BEHALF OF COUNTRYWIDE
INPROPRIA PERSONA
:\,ATVRE OF PROCEEDI:\!GS:
is DENIED.
Defendant's ex parte application for sanctions lS

DENIED.
Notice is waived.
MINUTES ENTERED
COUNTY CLERK
249 / 745
1 DECLARATION OF MOE KESHAVARZI
2
3 I, MOE KESHAVARZI, declare and state as follm\'s:
4
5 1. I am an attorney admitted to practice in the state of Cali fornia. I

6 am an associate at Sheppard, Mullin, Richter & Hampton LLP, counsel of record for
7 plaintifTNivie Samaan ("plaintiff'). I have personal knowledge of the facts stated in
8 this declaration, except where stated on information and belief, and, if called upon to
9 testify to these facts, I could and would competently do
10
11 2. On Friday I took the depositlon of Joseph Zemik. Attached

12 hereto as Exhibit A are true and correct copies of several pages from the rough
13 transcript of Zemik's deposition.
14
15 3. On Sunday, July 22, I gave Zemik notice of this Ex Parte

16 Application. Attached hereto as Exhibit B is a true and correct copy of my email
17 providing Zernik with notice.

18
19 I declare under penalty of perjury under the laws of the State of

21
22 Executed on July 22,2007, at Los Angles, California.

23
\1
24
'\ i\~\}-----
25
~~.. ~J Moe Keshavarzi
26
27
28
250 / 745 -1-

WIJ2·WhT IRE\ll 4003324881 KESHA VARZI DECLARA TION
072007. txt

2 FOR THE COUNTY OF LOS ANGELES - WEST DISTRICT
3
4 NIVIE SAMAAN, an individual,
plaintiff,
6 vs. NO. sc087400
7 JOSEPH ZERNICK, an individual; and
DOES 1 through 10, inclusive,
8
Defendants.
9
10
11
12
13
14
15 DEPOSITION OF JOSEPH ZEMIK
16 Los Angeles, California
17 Friday, July 20, 2007
18 volume(E)
19
20
21 Reported by:
LYNN MARSHALL
22 CSR NO. 11002
23 JOB NO. 1-69670
24
25
1

3
4 NIVIE SAMAAN, an individual,
Plaintiff,
6 vs. NO. sc087400
7 JOSEPH ZERNICK, an individual; and
8
Defendants.
9
10
page 1
251 / 745
072007. txt
11
12
13
14
15
16 Deposition of JOSEPH ZE~IK, A vol, taken on
17 behalf of plaintiff, at 333 South Hope Street, 48th
18 Floor, Los Angeles, California, beginning at BegTime(E)
19 and ending at EndTime(E) on Friday, July 20, 2007, before
20 LYNN MARSHALL, Certified Shorthand Reporter No. 11002.
21
22
23
24
25
2
1 APPEARANCES:
2
3 For plaintiff:
4 SHEPPARD, MULLIN, RICHTER & HAMPTON LLP
BY: MOE KESHAVARZI, ESQ.
5 333 South Hope Street
48th Floor
6 Los Angeles, california 90071-1448
(213) 620-1780
7
8
For Defendants:
9
SCHORR LAW
10 BY: ZACHARY D.SCHORR, ESQ.
12100 wilshire Boulevard
11 Suite 800
Los Angeles, california 90025
12 (323) 658-8196
13
14
15 videographer:
16 COURTNEY BATES
17
18
19
20
21
22
Page 2
252 / 745
072007cc.txt
2 /SA /SPHAPB in Mr. /HRA did not have authority do
/STKPWER into any agreements with her on your behalf?
4 A. He never had authority to /STKPWER agreement on
Bley's did you ever tell miss /SA A man A manila that
6 Mr. Less than did not have any authority to enter into
7 agreements on your behalf.
8 A. No question it's implied that /SPHU show could
9 the deduct dead that I gave Mr. Le Beau person mix to
10 enter agreement on my behalf I never.
11 Q. r'm asking if you ever said that to Samaas?
A. It's like is your sister is prostitute? Did
1 u ever say that your sister as a rostitute?
Q. I'm adjourning the deposition. r'll see you
15 Monday morning for the ex parte.
16 THE VIDEDGRAPHER: This marks the end of disk
17 number one in the continuing deposition. The time is
18 11:25 a.m. and we're off the record.
19
20 (stipulation was entered into the record after
21 proceeding was commenced.)
22
23 MR. KESHAVARZI: I propose that the court
24 reporter be relieved of her obligation and duties
25 regarding the custody and control of the transcript.
44
II
1 That when the transcript ready the original be sent to

2 you. You'll have 30 days -- no.
3 HOW much time do you need to review it?
4 THE DEPONENT: 30 days.
MR. KESHAVARZI: Too long because we have trial
6 coming.
7 MR. SCHORR: what is the amount provided by the
8 statute?
9 MR. KESHAVARZI: I'm not sure.
10 MR. SCHORR: Maybe to the amount in the
11 statutue.
12 MR. KESHAVARZI: Why don't we do two weeks
13 you'll have the statute time to review and make
page 31
253 / 745
072007.txt
4 the length of the table in any living room you'd have no
5 guess. So I ask you to give me estimates but no guesses.
6 Do you understand that?
7 A. Yes. But I there's /STPHR-G I want to do also
8 in response to be /TKHRAOER I Joe's 0 /STKE clarify the
9 following I'm not tan attorney. And my declaration is
10 based on my /UDZ ago a layperson of the matters at hand
11 and sir rounding circumstances. I read the transcript of
12 the deposition of /TPHAOEUBG bow taken by attorney mow
13 A man A manila cash and in it I noticed several instance
14 where in order /SRA made misrepresent /TAEUBGSs many of
15 what were A false A falls included in down documents of
16 and make /TPHAEUFPLD.
17 Q. A Doctor A Dr. zehm?
18 A. Stop.
19 A. Questions. such representations appear to be a
20 /TKREUB attempt to deceive /AFRBD /KOURTD defraud the
21 defendant Mr. /RO /WROE a very /SPHROEPBG rarely I'm not
22 and he had firsthand knowledge of the facts which I lack.
23 He therefore managed to correct many of Mr. That
24 A false A falls representations or /AOE void making your
25 /AOE reason conclusions /-FPT by now I'm sure that
8
1 everyone aware lOFTS /TPABLGTS /THAEUBL in in order cash

2 repeatedly and knowingly submitted in court
3 A false A falls and district /SAO*EF A if you will A full
4 documents I was also A know A no because of attorney
questioning the witness in the deposition because not do
6 so understand /ETSDZ some attorneys misrepresent /TAEUBGS
7 fact to trick the deponent under a 30 they're entitled to
8 do so /UFPBDZ had general litigation previous. I also
9 hold and I believe that I many going to be deposed under
10 oath why Mr. cash would not be under oath. understand
11 these circumstances I will do any avoid answering any
12 questions any affect are asserted by Mr. Cash. If I
13 error and answer any question please let it be known no
14 /SRAOPBS the following general and continuing
15 observation. Observation, any response I provide in this
page 6
254 / 745
072007. txt
16 deposition where I error a replied on any /TPABGD assert
17 in that question or previous representation /PwEU cash
18 should be taken as what it means at h~P?thetical reply
19 thfs declaratlon is to inform Mr. cash and court that
20 such answers were /PHRO*EUFD had ,by m~,~vaJid if an~
21 only if at this time underlying facts can be proved

22 /SREPB independently of any respon~ p+ovid@mere in in
23 deposition.
24 In other words, I have no personal knowledge of
25 any of fact as or /TKAUFPLT that their cash may represent
9
1 is true attachment to that extent he asking me questions

2 based on this representation fist and not the true fact
3 necessary this case any opinion I make expense would be
4 speculative. I make this declaration under penalty of
5 perjury going to the laws of the state of /TKAFL signed
6 it in Beverly Hills in I -- 19 had on July 2000 Nevada if
7 you want you can have a copy.
8 Q. BY MR. KESHAVARZI:
9 MR. SCHORR: Do you want that to be an exhibit?
10 MR. KESHAVARZI: I'll decide that in a minute.
11 I object to the record to that entire testimony as
12 nonresponsive to any question there was no question
13 pendi ng. I'm goi ng.
14 A. YOU ask me if I understand.
15 MR. SCHORR: wait for him the ask the question.
16 MR. KESHAVARZI: I'll mark this as Exhibit 160.
17 Q. His 1S only copy you have?
18 A. I have another copy.
19 Q. Can I get another copy for the court reporter?
20 A. Then I'll without a copy myself. You can copy
21 the one you have.
22 Q. Going back to the ground rules of the
23 deposition, the court reporter cannot take /AOPBS that
24 are not audible so that no shakes of the head I does no
25 "uh-huhs" or "huh-uhs" be used into response to /PHEU
10
page 7
255 / 745
072007. txt
21 A. /AEPLGS or /TKEUTS A plain A plane -- usually.
22 MR. SCHORR: Just.
23 THE DEPONENT: I don't know it's video /TAEUG
24 to answer I can tell you on the other hand /TPRAEBGS was
25 chairman of the budget question I was on high appointment
16
1 the oversight committee of benefits all of USC. I was on

2 the oversight question for health benefits or all of USC.
3 I was on the check brown communications committee of USC.
4 I was on special confidential committee that the vice
5 president of USC established to handle some special cases
6 in /PW-FGS. So I would say overall some people high up
7 USC had a lost of the confidence in me.
8 Q.
9 Q. BY MR. KEsHAVARZI: Were there any ever any
10 allegations that you violated the handbook called it
11 earlier?
12 A.
13 sKWRAO: objection. vague and ambiguous. As

14 to the term allegations. He's obviously told that he
15 doesn't necessarily.
16 Q. BY MR. YOU don't know what an after the
17 accident is?
18 A. /sTAOUFPBTs can come and say that you give him
19 a low-grade's allegation.
20 Q. I didn't say by /STAOUPBLGTs. I'm saying an
21 agencies that you violated did anyone ever say
22 A doctor A Dr. 0 you violated the bands?
23 A. Not that I know of.
24 Q. That never happened?
25 A. Not somebody that came for.
17
1 Q. Not to you. Was there a complaint against you

2 filed at the excuse me with the administration that you
3 violated something a /PRO*EUFLGS not A band A banned
4 book?
MR. SCHORR: objection again as vague and
Page 12
256 / 745
072007. txt
6 ambiguous /AOS to the mean /OFG term complaint. I don't
7 know what no do I purport November to know perhaps
8 /TKPW-R 0 A knows A nose what complaint is as you usc
9 defines it break it down to real simple /PELS terms a
10 we can move /OFPLT.
11 THE DEPONENT: I do not know exactly what you
12 define Ace complaint because as a tell there's a range of
13 issues of /WREUPS students a sometimes students may not
14 be happy a grade or you get on a regular basis grade that
15 for your teaching but I don't know exactly what you
16 consider if you consider discipline I would consider
17 usually discipline /SKWAUBGS /STHRA there be verbal
18 finding that you A violent A violate something not sure
19 of that.
20 Q. BY MR. You quit your position at usc correct?
21 A. Yes, I did.
22 Q. You quit because there was some proceeding
23 commenced against you alleging that you had engaged ln
24 conduct that was considered to be serious violation of
25 the employee hand back at usc correct?
18
1 MR. SCHORR: objection to the use of the term

2 proceeding. It's not clear whether you mean a proceeding
3 /AR U.S. as law.
4 MR. KESHAVARZI: proceeding as usc.
5 THE DEPONENT: .--- ..
6 THE DEPONENT: I would say that you miss k

7 child's the situation. First of all, there was a
8 situation that may be start from the fact that I was
9 chairman of budget committee and I had a feeling that
10 there was something inappropriate about the way the
11 budget was handled and I discuss it with a controller of
12 U.v. that was 1 issue that I guess did not go with well
13 with some people who did not handle budget money
14 properly.
15 ~R. KESHQVARZI: off /*FD record for the record
16 minute.
17 THE VIDEOGRAPHER: Time is 950 a.m. we're off
page 13
257 / 745
072007cc. txt
11 alteration of anything no what so me show fourth page
12 which is a different document.
13 Q. Can go to page 13 it's in bottom of say page 15
14 thin it's a ~ 3rd ~ third /PA*EU page back.
IS A. Yeah.
16 Q. Is that your signature?
17 A. Yes, it is.
18 Q. By again sixties in this case move had allover
19 the plates it look like any /SEUBLGT but if you show me
20 the original document I'll be able to tell you.
21 Q. This is I'll represent that you this is a
22 declaration that was filed in support of your first
23 information to exchange listen pin /STKEPBS in October
24 2006?
25 A. I'm suppose to.
2
1 MR. SCHORR: ~ wai t ~ wei ght 1et me obj ect. I

2 ask that you not represent him to him. He's here you can
3 ask him questions about the document you'll get to the
4 same place /HRAOETS reply on your.
Q. BY MR. KESHAVARZI: Can you read this
6 declaration, please?
7 A. Yeah I read it.
8 Q. when you signed this declaration you signed
9 this declaration on September 19, correct of 2006 7
10 A. okay. Again I cannot reply on you this
11 ~ whole ~ hole /TKUPLT a correct and true. I would agree
12 that probably I signed on september 19 addle declaration
13 but you will not vouge if this copy that you give me
14 because so many cases in this litigation when document
15 /WR-S forge alter rated. My signature /-GS particularly
16 were moved all on the other hand all the ~ place ~ plays
17 the very jumped all the ~ place ~ plays on documents so
18 cannot say anything about this document /KWRAOEUR showing
19 if see something certified coming from our /SOEURS
20 believable to since it's came from you say can can't say
21 anything definitive bit.
22 Q. Have you had a chance to read this declaration?
page 2
258 / 745
072007cc. txt
23 A. Yes.
24 Q. IS everything stated in this declaration true
25 and accurate?
3
1 A. I will not able to jSA on the spot because

2 again, I will have jSPEFT a lot of compare with the
3 original document that is any possession in order no say
4 jTHAFPLT.
5 Q. I feel like this declaration is going to be a
6 waste of time on this discovery refer fee. Hoping we
7 could move forward this is just you know you preventing
8 me from good testimony your?
9 MR. SCHORR: Just.
10 MR. KESHAVARZI: Let me 15.
11 MR. SCHORR: That's fine.
12 MR. KESHAVARZI: I'm going to asking you
13 questions. But ask that thank you respond I'm asking you
14 A whether A weather this is accurate whether the
15 statementses stated in are declaration you wouldn't be.
16 MR. SCHORR: Obviously on object A toe A tow
17 that question as calls for narrative.
18 MR. KESHAVARZI: I didn't ask a question Jew
19 just had asked a question about whether or not we can
20 have the court reporter jWRAOED it whether or not
21 statements are accurate perhaps make your job here today
22 easier, jTPUG line by line ask him about particular
23 things there way get the temporary you jWAFPBT me moved
24 forward and everybody be happy. The question as phrased
25 as very jHRAOET compound. considering the fact that 14
4
1 different perhaps here and calls for narrative.

2 Q. BY MR. KESHAVARZI: A Doctor A Dr. 0 can you to
3 go paragraph 8? Says on october jSEURBGTSDZ 2004 escrow
4 sent out notice identify applicable time times which
5 indicated a last appraisal con jSWAEus October 11-2 now 4
6 /P-FPLT have you finished reading paragraph 8 7
7 A. Yes.
Page 3
259 / 745
072007cc.txt
8 Q. Do you sitting here today do you believe the
9 appraisal contingent that deadline for removal of the
10 appraisal contingent was October 11-2 thousand 4 7
11 A.
12 ~R. SCHORR: object to that question on the
13 /TKPWROEGS that calls for a legal conclusion he's just
14 ordinary witness he doesn't necessarily know the legal
15 ramifications of the applicable time frames and therefo e
16 to the /KPEP.
17 THE DEPONENT: I may answer I try to answer.
18 To the best of my knowledge in this case one of things
19 this is which was now, I know but I do not which was
20 unusual was for example you have here a letter from
21 presumably from escrow officer daily /HURB witness
22 actually if A affect A effect it's not signed. And their
23 multiple letters like that differing in the dates of the
24 /HRA list indeed them their all unsigned and it looks
25 also from the records there was ongoing A ocean A on the
/ 5
1
2
3
4
/SAOPBD night first place. If I /E can show it
6 to the exam unsigned /TKAUFPLT.
7 MR. KESHAVARZI: Can you please site Mr. site
8 on the Monday 8 /THREURT.
9 THE COURT REPORTER: Yes.
10 MR. KESHAVARZI: Department I in Santa the
11 /PHOES of the /TKRAETS /STPHA /SKWRAOEUS basis or this
12 we're here today.
13 MR. KESHAVARZI: Notice.
14 ~R. SCHORR: Beer today in before we went to
15 the record I'd like to put this on the /RORT counsel for
16 plaintiff /TPH*EUF A know A no house at this time
17 gentleman conduct the deposition today, began the prior
18 to going on the record by statement giving Mr. 0 or
19 doctor 0 ex parte /TPHOEUFT that he was going.
Page 4
260 / 745
072007cc. txt
16 MR. KESHAVARZI: Let's back on the record try
17 one more time.
18 MR. SCHORR: we're never cough the record.
19 MR. SCHORR: Hold a second /KR-FRPT /KR-RP no.
20 MR. KESHAVARZI: My I thought we were let me
21 ask you this.
22 A. Repeat any answer you asked me.
23 MR. SCHORR: A Wait A weight for a question.
24 MR. SCHORR:
25 Q. BY MR. KESHAVARZI: Sit here today do you
9
1 believe that the appraisal the deadline for /TPHAO*EF Sue

2 Nan to removal trailer con /WEUS October 11-2 now 4?
3 A. Again.
4 Q. It's I "yes or "no" /KWRE. "Yes" or "no"?
5 A. I cannot answer with a "yes" or "no" I say this
6 letter which shows october 11th I now A know A no is one
7 of /PHOURL multiple letters which created a situation in
8 which was vague and ambiguous. Because Gail Hirsch
9 witnesses is escrow officer issued malicious paul's
10 letters like this all hope them unsigned various dates in
11 them. which varied. So how can in good faith answer
12 your question with a "yes" or "no" /KWH she created
13 multiple con /TPWHREUBLGT had documents.
14 Q. sitting here today, do you know whether was the
15 deadline for the plaintiff to remove the trailer coin
16 /SOEUPB?
17 A. No I will not /KWRO.
18 MR. SCHORR: object to that question judge he
19 can answer afterwards on the /TKPWROULGSDZ that calls for
20 a legal conclusion as to the term of the contract. To
21 the /KPEP that your question does not call for a legal
22 conclusion he's can answer.
23 Q. BY MR. KESHAVARZI: Sitting here today, do you
24 know when /TPHAO*EF /SA man's deadline was to re/PHo*FT
25 trailer contingent?
10
Page 7
261 / 745
Moe Keshavarzi
From: Moe Keshavarzi

Sent: Sunday, July 22, 2007 613 PM
To: 'joseph zernik'
Cc: 'zschorr@schorr-Iaw.com'
Subject: Samaan v. Zernik/Ex parte notice
Mr Zernik,
Because the court reporter has not yet prepared the transcript of Friday's deposition, I am forced to move our ex parte to
Tuesday morning. We need the transcnpt to make sure the Court has before it an accurate and correct record of what
happened on Friday. Therefore, this is to provide you with notice that on Tuesday, July 24,2007, plaintiff will appear ex
parte at 830 am. in Department I of the West District of the Los Angeles County Superior Court located at 1725 Main
Street, Santa Monica, California 90401 to request that the Court appoint a discovery referee to be present dUring your
deposition and rule on your objections and control your conduct
Moe Keshavarzi, Esq.

Sheppard Mullin Richter & Hampton, LLP
333 South Hope Street, 48th Floor
Los Angeles, CA 90071-1448
Direct Line 213-617-5544
Fax: 213-620-1398
Email mkeshavarzi@sheppardmullincom
262 / 745 1
ORIGINAL
BRYAN CAVE LLP
John \\'.\mberg (C\ State Bar '\0, WHl(l6)
1 lel11U \lolda\\'~h (C\ State Bar 1\(), 2-t(J1()<))
'121) Broad \\';1\', :<ui te ~()()
.,
-)
Santa \ [onici, Cllifornia ()()-t() 1-:2.)86
Te!cphone:) 1()- S-;- ()-21 ()()
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5 ~an , t-orlI'h ((' \ '~tate 12Jar

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.'dl. 11 - 'YH1/ )
Todd \, Hoock (C \ State Bar '\0, 1K19.),))
6 522() La~ \'irgCt1e~ Road, \IS: \C-Il
Calaba~a~, California <) J.)()2
7 Telephone: HI K-K-1-61 l(l2
1;ac~imilc: K1K-K-l--1-M)<)
8
.\ ttor!1ey~ for Countf}'\\'ide H ome L()an~, Inc.
9
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FOR THE COUNTY OF LOS ANGELES, WEST DISTRICT
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16 OPPOSITION TO DE1;!·:ND.\NTS LX
-2 ~~.. j) IRTE .\PPLIC\TIO~ FOR .\0.: ORDER
f- 17 JOSI'J)II /[':Rl"IK, et al. TO SHO\\, C\L'SI': TO DI':POSl·:
..
Z
({) S,\NDOR SL\\IL:IJ,S, TO CO\lPEL
18 Dc fendan t~, PRODUCTION 01, DOCC.\II':J'.JTS, ,\ND
FOR S,\NCTIONS
19
hie Date: October 25, 2()()5
20 Trial Date: September 7, 2()()!'
21
Date: July 2-t, 2()()7
Time: K:3() a,m,
Place: \\'EI
25
~ ~ ~_ • ~_J
- . '
26
27
28
S'vlO I DOCS 6457113 COC:-'TRYWIDFS OPPOSITIO:\ TO DEFE'\DA:\T'S EX

P·\RTE APPLICA TIO~
263 / 745
1. Introduction
:\on-party (:Ollt1try\\'ide Home I,oans, Inc. CLoumr:\\ide") hereby oppo~e~
3 Dct"endant Ju~eph !'ernik\ ("I.ernik") improper F:'.\.' Pdr!c: ,\pplicatiun and reLJueq~ that the
-+ .\pplicatiun be denied. The. \pplication repre~ents yet another ahu~i,e di~cmTrY tactic by
5 /.ernik in hi~ campaign de~igned to anl1()y and hara~~ Coumr:'wide and it~ top legal officer.
6 hmhermore, /.ernik e~~entiall\ asks the Court to re-open JiscoHr:' well after the di~cmTry
7 cutoff. Di~c()\cn' in thi~ matter clo~ed inJune. Indeed, thi~ Court pre\'iou~ly denied I.ernik's
8 motion to re-open and/ or continue di~co,el;;, and the Court of. \ppeal denied Zernik's \vrit
9 petition ~eeking to challenge that ruling.
10 Now, howe\'er, Zernik asks the Court - no les~ via c:X pdr!e application on the eve of a
II pending ~ummar:' judgment motion against him, not to mention trial - to allow him to depo~e
<0
co
(Y)
~
12 (:ollntr:'\\'ide hnancial Corporation's Executi\T i\lanaging Director, Chief I,egal ()fficer and
00
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(Y) 0 13 \~si~tant Secretary, Sandor Samuels, one of the company'~ highe~t ranking executi\'e~ and it~
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I[ 14 chief legal cmll1~cl, and to compel Countrywide to produce documents, eH'n though
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"
(/)
18 of this case. SimilarlY, /.ernik has no e\'idence that Countrywide possesses any relennt
19 documents not alread\' produced. Thus, Countrywide respectfully reLjuests that the Court
20 deny /.ernik's E\.' J)dr!e\pplication.
21 II. Zernik's Application Should Be Denied Because Discovery Is Closed And
There Is No Good Cause For To Re-Open Discovery, Particularl)' Against

"
Non-Party Countrywide
/.erni k\ .\ pplica tion should be denied as umimeh and improper beca use di~cmcry IS
clo~ed, and there is no good cause for re-opening discovery, particularly against nun-party
26 Countrywide, at this late juncture. The discovery cut-off date \\'a~June U,2()()7, The Court
27 pre\'iously denied /.ernik's tTIuuon to extend the di~((),ery deadline, and the Court of. \ppeal
denied J:ernik'~ \\rit petition.

S:'vlO 1DOCS M'i7l J ,,1 2
264 / 745 COD'TRYWIDFS OPPOSITIO'i TO DEFE'iDA\TS EX
Court File: "Volume IV Continued" PARTE APPLICA TIO:"i
This else was filed in 2()( )5, /,crnik hao more than 1Hmonths to conduct oisco"ery.
! I.emik nm',' relluests the Court to re-open discoHxy on the en of Pbintiffs summary
3 iud~mel1t motion <\11J trial to depose one of Countrywide's hlghest ranking officials and to
4 compel the production of documenrs. Howeyer, l.ernik has no justification for his untimely
5\pplication. I.ernik nenr e'Tn sought to depose \Ir. Samuels while Jisco','ery \\'as open,
6 nl ltwithstanJing the fact that "'11'. Samuels has no personal knowledge of the unJerlying facts
7 ()f this case. In addition, CountrywiJe already respondeJ to all four of /ernik's Jocument
8 subpoenas for business recorJs \vhile Jisconry \\'as open. \lthough I.ernik had ample
9 opportunity to do so, he I1tTer filed a motion to compel the documents he purportedly seeks.!
10 . \s rhe Court stared in its tentatin ruling granting Countrywide's ~I()tion for a Protecti\T
II Order on .I LIly 21, 2()()7, "if Count0'\vide has failed to comply with a discO\T0' obligation,
(l)
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<II 12 I.crnik's recourse is to file a discoYery motion with the Court." (Samaan ". Lernik: 'l'entatiye
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l'10 13 Ruling on COLlnrrywiJe \ ~Iotion for a Protectin Order dated.l LIly 2,1, 2()()-). Clearly not
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IS remedies at his disposal orher than harassing Countrnvide, and that he simply elected not to
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18 /'ernik's .\pplication should be denied because it is nothing more rhan an improper
19 and unfoundeJ motion for reconsideration regarding the Court's prior ruling denying Zernik's
20 reLjuest to extend the discon:ry cut-off dare. llnder California Code of (:i"il Procedure
21 Section 1()()H, when an order has been refuseJ by the Court, a parry has only ten da~'s after
)1 sen'ice of \\Tirren notice of the refusal to reLjuest rhat the Court reconsider its ruling. Cal.
23 Code Ci\'. Proc. ..'\' !()(IH(aJ.

,
Here, the Court denied /'ernik's morion to extend discmel"; on ~
24 \Lt\ 22,2()()-. I.ernik elccteJ not to file a motion for reconsideration of rhat ruling. Instead,
25 he ch:dlcnged the «()un's ruling by filing a \\Tit petition. f fm\'C\'er, the (:ourt ()f. \ppcal
26
i III l:lct. ill I:erlllk \ ()ppo~irtol1 to Countrywidc's f:.Y fl.1I'!( . \pplication for a Protccti\,c Order. dated Juk 6,
27 .:21111'./.crl11k h1l1bcll states that he "acknowledgcs that discoH'n cut-off date ha~ pa~~cd, and repeatedly stated
that his comtnullic:ltlOIlS with Countn'widc \\Tre :\0[' part of disc()\'('n'." \Opposltion, p. 4. bile 5),
:28
SMO lOOCS 645711.3 3
265 / 745 COL:\TRYWIDE'S OPPOSITIO.\' TO DEFDiDA.':T"S EX
Court File: "Volume IV Continued" PARTE APPLICATIO'"
denied his petition.
') I.crnik now filc~ his "motion for rccomideration" two months ,lftcr the Court denied
3 hi~ motion to e'\tend discm·ery. Lnder Section lU()8, the\pplication i~ untimely 011 its face
4 and should not be considered. hmher, the statute proyides that any application must be
5 "based upon new or different facts, circumstances, or Lm·." Cal. Code Ci\'. Proc. § 1()()8(b).
6 I.ernik has not presented any 11e\\' facts, circumstances, or law to support his ,\pplication.
7 Thus, the C(}urt should deny I.ernik's .\pplicatio11.
8 IV. Zernik Cannot Demonstrate Good Cause Why He Should Be Allowed To
9 Depose Countrywide's Chief Legal Officer
10 California recognizes that depositions of high-leyel corporate officers and managers,
11 so-called "apex" depositions, "raise a tremendous potential for discO\Trv abuse and
to
<Xl
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':'i 12 harassmenr." Liberty ~Iutual In~. Co. \', Sup. Ct., 10 Cal. ,\pp. -l-th 1~8~, 198'7-88 (199~). In
0(;
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ll. "' 01
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14 superi(}r knowledge of disconrable information." 11 at 1289.
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17 compensation carrier. 11 at 1284. The deponent mmcd for a proteetin~ order because he
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18 had no inyolnment in the subject matter of the lawsuit. Id. The appellate court ncated the
19 trial court's denial of the protectiye order, holding that strict limitations must he placed on a
20 plaintiffs ability to conduct apn depositiom, l!i at 1287.

21 The court reasoned that such high-ranking officers are usually far remon~d from the
II day-to-day operations of the business:
23 The head of a large national corporation will generally not ha\c knowledge
24 of a specific incident (Jr case handled scn~ral le\Tls dO\\n the corporate
pnamid. Surely an insurance company's chief \\'ill seldom, if at all, be
26 im'olnd in the day-to-day processing of claims.
27 Id. at 1~8-;-. The court also recognized that depositions of high-len I corporate officials han
28 "tremendous potential for disconry ,lbuse and haras~ment." 11

S\lOIDOCS645711.1 4
266 / 745 COL'-iTRYWIDFS OPPOSITIO\ TO DEFE'-iDA'-iT'S EX
Court File: "Volume IV Continued" PARTE APPLICAnON
Sandor Samuels is one of Countrywide's top cxecutiyes. .\s one of only a handful of
I I':xccutin~ \Ianaging Directors, he reports only to the company's Chairman of the Board. \1r.
3 S~llnuels also is the company's Chief Legal Uftlcer, in charge of the compan:-'s legal
4 department. Countrywide has oyer 60,OUO employees and operations in ~111 SO states. Zernik
5 U!1not demonstrate that \11'. Samuels has any personal knowledge of the underlying facts of
6 this case, i.e., that he was personally innllnd in the company's processing of Plaintiff's loan
7 application, including an~' underwriting for the application. In fact, the processing of the loan
8 \\'(Hlld not haye been in the legal department, but in the underwriting department. rndeed,
9 \1r. Samuels does not e\en \vork in Country\vide's underwriting department, and the
10 processing of the applicnion would have been handled by employees many, many 1C\·els
11 below \11'. Samuel's I':xecutin :'.Lll1aging Director lnel.

to
a>
C'l
N 12 \Jor can !'crnik demonstrate that \11'. Samuels has any first-hand knowledge of the
00
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C'l0 13 facts or issues surrounding Zernik's allegations against Countrywide.. \s the Court has already
0.. '" m
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17 the issues in this case, it would be improper under I.ibcrty .\lutual to n:lluire him to appear for
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18 a dcposi tion. "\ccordingly, 7,crnik's request to depose .\ Ir. Samuels should he denied.
19 V. Zernik Cannot Show That Countrywide Has Any Additional Relevant
20 Documents To Produce
21 Count0'\vide has already complied with all four of !'ernik's document subpoenas, and
22 has produced numerous documents to !'ernik. \'(,hen discm'Cry \vas still open, !'ernik never
mo\Cd to compel any documents from Countrywide. :'\iow that discm'c0' is closed, and with
24 the hearing on Plaintiff's summary judgment motion yuickly approaching, !'ernik belatedly
accuses (~ount0'\\'ide of \\ithholding documents.
26 However, !'ernik f:tils to demonstrate with any credible e\,idence that Countr;."widc in
27 facr has any :tdditional releyant documents which should ha\'e been produced before in
28 response to Zernik's subpoenas. Countrywide has acted in good faith and has full~' complied
S\1OIDOCS64571l.3 5
267 / 745 COL:\TRYWIDE'S OPPOSITlO\ TO DEFE;-';DANTS EX

Court File: "Volume IV Continued" PARTE APPLICATION
\\ith it~ kgal and di~coHry obligation~. Countrywide produced documents \\'ith a Cu~todian
I of Record~ declaration atte~ting to it~ productiun. The fact that Country\\"ide's documents do
.3 nor ~upport /ernik'~ skl'\\ed \·iew of the faet~ docs not mean that the company is \\"ithholding
4 d()cument~. Indeed, a~ the Court held in it~ tcntatin~ ruling on Countf\\\ide's \Iotion for a
5 PmtectiH ()rder, "any assertion that Countrywide is somehO\\" im"ohed in wrongdoing is not
6 supported b~' an~"thing other than hear~ay and conjecture." (Samaan Y. Zernik: Tentatiye
7 Ruling dated July 23, 2()W). Thus, the Court ~hould deny the ,\pplication.
8 VI. Sanctions Against Countrywide Are Not Appropriate

9 /ernik ~urpri~ingl\ ask~ the Court to impose sanctions on Countrywide for unknown
10 reasons. !-Iowc\Tr, Zernik docs not and cannot justify sanctions against Country\vide - a~
II there i~ no iu~tification, Countrywide has re~ponued to !'crnik's numerou~ subpoena~. In

to
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N 12 faer, the 0111\' sanctiol1~ that would be appropriate here would be against I:crnik based on hi~
0
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Q. w en
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17 VII. Conclusion
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18 h)r the rea~ons ~et forth aboH, Countrywide resptctfully reCjue~t~ that the Court deny
19 I:ernik'~ ,\pplication.
20
21 Dated: July n, 2()(); BRY,\N C\ \"E LLP

John \V..\mberg, F~Cj.
22 Jcnna \[oluaw~ky, F~Cj.
23
25
Ih: ·'::/F·--~
Jehna \[olda\\'~ky .J
26 .\ttort1eys for Countrywiue 1lome Li')an~, Inc.
28
S:-'1O 1DOCS 645 7 11.3 6
268 / 745 COU\TRYWIDE'S OPPOSITIO:\ TO DEFE:'-iDA:\T'S EX
Court File: "Volume IV Continued" PARTE APPLICA nON
PROOF OF SERVICE
1 I am employed in the County of Los Angeles. State of California. I am over the age of 18
and not a party to the within action. My business address is 120 Broadway. Suite 300. Santa
3 Monica. California 90401-2305.
4 On July ~~ .2007. I served the foregoing document(s). described as COUNTRYWIDE

HOME LOANS, INC.'S OPPOSITION TO DEFENDANT'S EX PARTE
5 APPLICATION TO TAKE DEPOSITION AND OBTAIN DOCUMENTS
on the interested part) (s) in this action. as follows:
6
f-------~-------
:-!oe keshanrzi. Esy. \ Juseph /.ernik D:\!1) PhD

7
~hcpp:ll"ll \Iullin Richter & Hamptun, 1.J .P 520 ~outh Peck Dri\'e
8 ).''>.) South Hupl' Street. .+kth I-lour Ben:r1y Hills, C \ 9()~ 1~
Los .\ngcles. C\ C)(Hj""'1-1448 Facsimile: 80 1-99k-()<) 1'7
9 I'acsimile: .? 1?l-o.?()-1.")c)8 I z 12:Q,5(([ e:lrrh link. net
m],;e" Il;l\;l fZ t(ll ~ he prardlllllUl11:~ill
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ll. "' en
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18 It--------------------.-.l--------------------j
19
cg] By personally deliHring copies of the documents to the parry(ies) at the tIme of the
20 hearing on PlaintIff's J:.'\' j),1I1f,
21 ExeclIted on July 2 '1.2007. at Santa Monica. California.
22 I declare under penalty of perjury uncLer the laws of the United States of America and the
Stute 0 rea Ii t(lrn ia that the t()fego i ng i s tr(an:c~ ,;ecl.
I\ ( ' ---~.-
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25 /
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5:\10 I DOCS 645; II ..' 7
269 / 745
Court File: "Volume IV Continued" COC:';TRYWIDE'S OPPOSITlO\ TO DEFE~DA'-iT'S EX
Samaan v Zernik (SC087400) Los Angeles Superior Court PARTE APPLICATION
1 SHEPPARD MULLIN RICHTER & HAMPTON LLP
ROBERT MUSSIG, Cal. Bar No. 240369
ORl Gl~'
4 333 South HOl2e Street, 48th Floor
Los Angeles, California 90071-1448
5 Telephone: 213-620-1780 FILED
LOS ANGELES SUPERIOR COURT
FacsImile: 213-620-1398
6
JUL 2 J Z007
7 Attorneys for PlaintiffNivie Samaan JOHN A. CLfY')' CLERK
8 BY V1VIA~E;'
-"
\
DEPUTY
9 SUPERIOR COURT OF THE STATE OF CALffORNIA

11
12 NIVIE SAMAAN, an individual; Case No. SC 087400

13 Plaintit1~ Honorable Jacqueline A. Connor
14 v. PLAINTIFF'S OPPOSITION TO
DEFENDANT'S EX PARTE TO
15 JOSEPH ZERNIK, an individual and MOVE THE HEARING DATE FOR
DOES 1 through 10, inclusive, HIS MOTION FOR LEAVE TO
16 AMEND THE COMPLAINT.
Defendants.
17 Hearing Date: July 24, 2007
Place: Dept. I
18 Time: 8:30 a.m.
19
Trial Date: August 10, 2007
20
21
22
23
24
25
26
27
28
270 / 745 -1-

Court File: "Volume IV Continued" OPPOSlTIO'\i TO EX PiRTE APPLICATION.
Defendant Joseph Zemik seeks to move the hearing date on his motion
2 for leave to amend the complaint. His motion is currently set for hearing on August
3 9,2007, and plaintiff Nivie Samaan's opposition is due this Friday, July 27.
4 PlaintifT opposes Zemi's ex parte application for t\\'o reasons. First, Zemik has
5 failed to set forth good cause justifying the ex parte relief he seeks. Second, if the
6 hearing date is moved plaintiff will not have enough time to prepare an opposition.
7
8 For all these reasons, plaintiff respectfully requests that the Court deny
9 defendant's ex parte application.
10
11 Dated: July 23, 2007

12 SHEPPARD, M L IN, RICHTER & HAMPTON LLP
13
14 By
15
16
17
18
19
20
21
22
23
24
25
26
27
28
271 / 745 -2-

\\1,"" \\"EST I RI:\11 .j(lf)33.j2~3 J opposrTIO~ APPLICATro~
Court File: "Volume IV Continued" TO EX PARTE
1)\110 07/23/07 I DEIYr. WEI
IIO'\OR.\BLE JACQUELINE A. CONNOR leDGE V. JAIME DEPllY CLERK
\ IO!'<OR,\BLE JL"DGE PRO TE\lll LlFC rRO'\ Ie RECORJ)[:\G \IO:"ITOR

#13
B. VARGAS CA Deputy Sheri!! II J. HARRIS CSR#2097 Rep, 'ncr
8:30 am SC087400 Plall1uff

Coumel MOE KESHAVARZI (X)
NIVIE SAMAAN
VS Defendant
JOSEPH ZERNIK Coun,eI JENNA MOLDAWSKY (X)
JOHN W. AMBERG (X)

lecp 170.6 - JUDGE NEIDORF
NATLRE OF PROCEEDI;"IlGS:
DEFENDANT (JOSEPH ZERNIK) MOTION TO EXPUNGE LIS

PENDENS;
MOVING PARTY (COUNTRYWIDE) MOTION FOR PROTECTIVE
ORDER;
Matter is called for hearing.

All parties acknowledge receipt of the Court's
tentative ruling and submit on the tentative ruling.
The motion of defendant Joseph Zernik to expunge lis
pendens is DENIED. Defendant has failed to
establish that the Court's previous ruling on
November 9, 2006 was based on fraudulent or false
evidence presented by plaintiff. Defendant has also
failed to show that the lis pendens was not properly
served. Counsel for plaintiff is ordered to give
notice of this ruling.
The motion of non-party Countrywide Home Loans for a
protective order is GRANTED. Defendant Joseph
Zernik is directed to communicate solely with
Countrywide's designated counsel, Todd A. Boock, and
no other officers or employees regarding the present
action. The proposed order is signed and effective
as of this date. Counsel for Countrywide is ordered
to give notice of this ruling.
MINUTES ENTERED
COUNTY CLERK ~
272 / 745
1).\IL 07/23/07
1l0:\UR.\BLE JACQUELINE A. CONNOR JlDGE V. JAIME DEPl'TY CLERK
IIO:.iORABLE JLDGE PRO TD! ELLCTRO:\IC RECORDI:'J(i :-VIO:\lTOR

#13
B. VARGAS CA Depury Sherllf J. HARRIS CSR#2097
8:30 am SC087400 Pia 1I1t1 ft
C,Jullsel MOE KESHAVARZI (X)
NIVIE SAMAAN
VS DefcmlalH
JOSEPH ZERNIK Coullsel JENNA MOLDAWSKY (X)
JOHN W. AMBERG (X)

~ATURE OF PROCEEDI~GS:
In this case, defendant moves to expunge the lis

pendens arguing that plaintiff cannot establish the
probable validity of her claims. ZERNIK asserts
that plaintiff failed to timely remove the appraisal
contingency which gave him the right to cancel the
escrow. He further argues that plaintiff's
opposition to the prior motion to expunge was based
on fraudulent arguments and documents. However, the
declarations and evidence provided by plaintiff
continue to raise a question as to whether ZERNIK
had submitted a fully executed copy of the Purchase
Agreement to ~ara Escrow as of October 22, 2004.
The documents submitted by defendant simply do not
establish that plaintiff has engaged in any fraud or
failed to properly serve the lis pendens on him.
Again, there are too many factual issues that cannot
be decided here, including whether SAMAAN was
oready, willing and ableo to proceed with the
purchase of the property. Therefore, the motion to
expunge lis pendens is DENIED.
COUNTRYWIDE seeks a narrowly tailored protective
order requiring that ZERNIK direct all future
communications to COUNTRYWIDE's designated counsel
and precluding him from directly phoning, e-mailing
or otherwise contacting its represented officers and
employees. First, the motion is properly supported
by the declarations of in-house counsel Todd A.
Boock and attorney of record John W. Amberg, which
set forth first-hand experiences with and actions
taken In response to ZERNIK's conduct towards
MINUTES ENTERED
COUNTY CLERK
273 / 745
DArE 07/23/07 DEIYf. WEI

IIU:-';OR,\BLE JACQCELINE A. CONNOR )l'DGE V. JAIME DEPlTf CLERK
IIO:\OR.\IlLE Jl'DGE PRO TE~l ELEC fRO:\l(' RECORDI:\G ~IO:--irrUR
#13
B. VARGAS CA DerU1y Sheriff I J. HARRIS CSR#2097
8:30 am SC087400 Plaintltt
Counsel MOE KESHAVARZI (X)
NIVIE SAMAAN
VS Defendant
JOSEPH ZERNIK Counsel JENNA MOLDAWSKY (X)
JOHN W. ~BERG (X)

COUNTRYWIDE. Second, the Court finds that

COUNTRYWIDE has shown "good cause" for the
protective order sought. ZERNIK has failed to
establish the validity of his communications with
COUNTRYWIDE's officers and employees. If
COUNTRYWIDE has failed to comply with a discovery
obligation, ZERNIK's recourse is to file a discovery
motion with the Court. Any assertion that
COUNTRYWIDE is somehow involved in wrongdoing is not
supported by anything other than hearsay and
conjecture. Moreover, since ZERNIK is representing
himself in this action, his assertion that
COUNTRYWIDE is improperly applying attorney
standards to him is not well taken. A litigant
appearing in propria persona is generally held to
the same restrictive rules and procedures as an
attorney. the rules of civil procedure must apply
equally to parties represented by counsel and those
who forgo attorney representation; such a party is
to be treated like any other party and is entitled
to the same, but no greater consideration than other
litigants and attorneys. (Rappleyea v. Campbell
(1994) 8 Cal. 4th 975, 984-985; see Barton v. New
United Mocor Mfg. (1996) 43 Cal.App.4th 1200, 1210.)
COUNTRYWIDE has a right to be protected from
unwarranted annoyance, embarrassment or oppression.
Since the protective order sought simply directs
ZERNIK to communicate with COUNTRYWIDE's designated
counsel, there is nothing to show any infringement
on ZERNIK's free speech or other rights.
MINUTES ENTERED
COUNTY CLERK
274 / 745
D\ TI:: 07 23 /07 DEPT. WEI
I!O,\ORAULE JACQUELINE A. CONNOR lLDGE V. JAIME IlEPlTY CLERK
IIO'\ORABl_E ll'DCiE PRO TE\\ LlH'TRO\IC RECORDI\(, \\O\JITOR

#13
B. VARGAS CA Depllt~ Shenff J. HAERI S CSR#2097
8:30 am SC087400 I'lalnuff

NIVIE SAMAAN
VS Defendant
JOSEPH ZERNIK Counsel JENNA MOLDA'i'lSKY (X)
JOHN W. AMBEEG (X)

Defendant requests for ruling on Evidentry

Objections.
The Court declines to rule on the Evidentry
Objections. The Court finds the Evidentry
Objections are not properly flIed pursuan to Rules
of Court 3.13.54.
Counsel for Plaintiff is ordered to give notice.
MINUTES ENTERED
COUNTY CLERK
275 / 745
4 Los Angeles, California 90071- 1448
Telephone: 213-620-1780
5 Facsimile: 213-620-1398
6
Attorneys for PlaintiffNivie Samaan
7
8
to FOR THE COUNTY OF LOS ANGELES -- WEST DISTRICT
12 Plaintiff, Honorable Jacqueline A. Connor
t3 v. NOTICE OF ORDER
276 / 745
TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD:
2
PLEASE TAKE NOTICE THAT on July 12,2007, plaintiffs' Motion
3
to Compel deposition of defendant Joseph Zemik and Zemik's Motion to Disqualify,
4
came on for regular hearing. Moe Keshavarzi of Sheppard, Mullin, Richter &
5
Hampton LLP appeared for Plaintiff and Mr. Joseph Zemik appeared pro per. After
6
considering the parties' briefs, the Court ordered as follows:
7
8 Defendant Joseph Zemik's Motion to Disqualify is denied.
9
Defendant Joseph Zemik is ordered to appear for his deposition on July
10
20, 2007, at 9:00 a.m. at the offices of Sheppard, Mullin, Richter & Hampton, LLP
I1
located at 333 S. Hope Street, 43rd Floor, Los Angeles, Califomia 90071.
I2
13 Dated: July 18, 2007
14 SHEPPARD, MUL IN, RICHTER & HAMPTON LLP

15
16 By ---~+,,-,<--------------
MOE KESHAVARZI
17
18 NIVIE SAMAAN
19
20
21
22
23
24
25
26
27
28
277 / 745
\\·r.r~-\\TSJ·I \1\lK I -1r)(J1~n~ 19 I
"OT[lF OF ORDER
PROOF OF SERVICE
2 STATE OF CALIFORNIA, COl!NTY OF LOS A:\GELES
3 I am employed in the County of Los Angeles; I am over the age of eighteen

4 Street, 48th Floor, Los Angeles, Cali fornia 90071-1448.
5 On July 19, 2007, [ served the following document(s) described as NOTICE OF

ORDER on the interested party(ies) in this action by placing true copies thereof enclosed
6 in sealed envelopes and/or packages addressed as follows:
7 Robert 1. Shulkin, Esq. Joseph Zernik

The Law Department 320 S. Peck Drive
8 Coldwell Banker Residential Beverly Hills, California 90212
Brokerage Company
9 11611 San Vicente Blvd., Ninth Floor
Los Angeles, C A 90049-6510
10 Facsimile: (310) 447-1902
robcrt.shulkin(ZDcamoves.com
11
0 BY l\'IAIL: I am '"readily familiar" with the firm's practice of collection and
12 processing correspondence for mailing. Under that practice it would be deposited
with the U.S. postal service on that same day with postage thereon fully prepaid at
13 Los Angeles, California in the ordinary course of business. I am aware that on
motion of the party served, service is presumed invalid if postal cancellation date or
14 postage meter date is more than one day after date of deposit for mailing in
aflidavit.
15
~ BY HAND DELIVERY: I caused such envelope(s) to be delivered by hand to the
17 0 BY ELECTRONIC l\lAIL: I caused to be prepared and sent an email to the party

listed below at the e-mail address shown on the service list.
18
20 Executed on .July 19,2007, at Los ~ngeleS, California. , / /
21
22 /y?-/~ MllA Lf'f-'--

Laver'na A. Henry , ,'
\~
23 ,'\
:' !
24
25
26
27
28
278 / 745
2 II
Including Professional Corporations LOS
FII-JED
ANGFU~S()l'pr:'<I()R COURT
MOE KESHA VARZI, Cal. Bar No. 223759 ,
3 11333 South Hope Street. 48th Floor
Los Angeles, California 90071-1448
1
,1 /1' 182007 0 \),
4 II Telephone: 213-620-1780 JOHN A", CLArJ'{2, CLERK
FaCSImile: 213-620-1398
5 1\ Attorneys for PlaintiffNivie Samaan
&Vri:M~ '~J"
BY BARBARA V4RGAs;:{)EPUTY

6
7
FOR THE COUNTY OF LOS ANGELES -- WEST DISTRICT
8
9 Honorable Jacqueline A. Connor
Plaintiff,
10 v. PLAINTIFF SUR-REPLY TO
ZERNIK'S MOTION TO EXPUNGE
11 JOSEPH ZERNIK, an individual and LIS PENDENS; SUPPLEMENTAL
DOES I through 10, inclusive, DECLARATION OF JAY R. STEIN.
12
Defendants. DATE: July 23, 2007
13 TIME: 8:30 a.m.
DEP'T: I
14
15
Defendant Joseph Zernik is outright lying to the Court. In his reply brief
16
in support of his Motion to Expunge Lis Pendens he tells that Court that plaintiffNivie
17
Samaan did not serve the Notice of Lis Pendens by certified mail return receipt requested.
18
This is false and Zernik knows it. Attached as Exhibit C to the Supplemental Declaration
19
of Jay Stein (submitted herewith) are return receipts of the Notice of Lis Pendens, two of
20
which are signed by Zernik himself. Plaintiff respectfully requests that the Court accept
21
this Sur-Reply brief and the accompanying declaration of her former counsel Jay R. Stein.
22
.--1 23/1 Dated: July 18, 2006 I
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24 SHEPPARD, Ml)~LI[,
\ " .
RICIITER & IIA~1PTON UP
co 25
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26 By
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MOE KESHA VARZI

t~:) 27 Attomeys for Plain ti ff
28 NIVIE SAyrAA~
-1-
wo::,-v.!sr 1\1\1Kl .j()03/.J(1171 PLAI:\TIFF'S SlR-REPLY Ii\ SUPPORT OF
279 / 745 OPPOS!TIO\' TO DEFE:\DA\'TS \10TIO\, ro
Court File: "Volume IV Continued" EXPL~:\GE US PENDEIy~
SENDER: COMPLETE THIS SECTION COMPLETE THIS S~CTlON ON DELIVERY
• CompletQ ItGms 1, 2, and 3. Also complete

item 4 if Restricted Delivery is desired.
• Print your nllfTlll and address on the rllY8rso x
SO that we GllT1 return the card to you. B. ry
• Attach this card to the back of the mailpi8Cl1,
or on the front if space permits.
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.....". n IA AN..Mr""" Ii im~( 0 a
1. Article Addressed 10:
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rtlfi9d Maa 0 Exprell'l Mall
0 RetUrn ReC<lipt for Me'chendlse
111m giaterad
D Insured Mall 0 C.O.D.
4. Re/;trlcled 0e~v8ry? (&tra Fee) 0 Yas
2. Article Number
(TraMfer from SSlYice label)
7002 0860 0005 1035 b582
PS Form 3811, Augusl2001 Dome!ltlc Return Receipt 2ACPRI-o:l·Z-<l'lB!i
280 / 745
. SENDER: COMPLETE THIS SECTION COMPLETE THIS SECTION ON /J~LlVERY .
• complete items 1, 2, and 3 Also complete

Ilam 4 if Restrl,Cled Delivary Is desired.
• Print your name and address O~ the reverse
so that we can return the card to you.
• Anach this card \0 the back of the mailplece.
or on the front if space permits.
?]6rr
t. Article AddresSGd to:
(t'¢~~a15
if, "?J n,(~ t-J ~
~t11 ~ ;L.I () 3 ServICe Type

~rt~iedMail o Expr93S Ma~
A-rreigistered o Rewln Receipt for Merchafl<ilSE

o InwrW Mall o C.O.D
!/;!L5. YtJ;l.I{) I 4. Resnlcted Delivery? (F\lra Fee) o y~s
2. Article Namber
ITli3Ilsler from SGrvice labe!) 7002 D86D ODD5 1D3~ b438
PS Form 3811. August 2001 Domeetic ~.tum Receipt 2ACPRI.()J-Z·09B~
281 / 745
•
SENDER: COMPLETE THIS SECTION COMPLETE THIS SECTlOIV ON DEUVERY
• Com(Jlete items 1, 2, and 3. Also complete

item 4 jf Restricted Delivery is desired. o Agent
• Print your name and addreBs on the reverse o Add"",.""
&0 that we can retum the card to you.
Dal. of D9livery
• Anach this card to the back 01 the mellplace,
or on Ina fronl If spaca parmlts.
D. )5 delivery address dlffElfllllI from tram 1? 0 Ves
, Arnele Addressee to'
rt YES. enter delivery eddress below: 0 No
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1/ h U ~9'istorad 0 Return Recerpl for Merchandise
o Insurad Mall 0 C.O,D.
5~Il"AJ-'tr2C) 4. Restricted Delivery? (EXf1B Fee) o Ves
2, Article Number
(Tran~er from Ser'Vlee lebel) 7002 08bO ODDS 1D35 6575
PS Form 3811, August 2001 DomeBlic Return Receipt 2ACPR~!l$S
282 / 745
~
UNITED STATES POSTAL SERVlCE First-Class Mall
Pmtage & Fees Paid
USPS
Pennit No. G-10
• Sender: PI8BS8 print your name, address, and ZIP+4 in this box •
Jay R. Stein, Esq.

ATTORNEY AT LAW
1801 Century Park East, Suite 2400
Los Angeles, CA 90057.2326
C, ,.1....v. .... ~ ! i!l -;Z r;;

JfI1!'li'111~';I!!;1!111:t!fJ!!;,llj!;;li!~lf 11:1~:fl:::;~1~:
283 / 745
UNITED STATES POSTAL SEFlVICE Flrst-ClUll-Mai
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\. Sender. Pleas~~me, add'iiS ~
Jay R. Stein, Esq.

ATTORNEY AT LAW
5A-r<'1.14i<'1'v I()~~
,t;:.<:)~' 11,\, ,1111.11,",\\" l'lli. ,1,1.,1\, "I.\' \\ "I\.. ,lI'IlII,I,l
284 / 745
UN1TJ;O STATES ~!i.t>t~_ T~
049175
03 fiOV 20DS k '.
• Sander: Please print your name. address, and ZIP
Jay R. Stein, Esq.

ATTORNEY AT LAW
1801 Century Part: East, Suite 2400
H;~rt/L;;n;;;;n~!tlll~:!L;lintt!j~~!~~!;1\: :i\;!i;i\t,!
285 / 745
SUPPLEME~TAL DECLAR4..TlON OF JAY R. STEIN
2 L Jay R. Stein, declare as follows:
3
4 1. r am an attorney at law duly licensed to practice before the Courts of
5 II the State of California. I have personal knowledge of facts set forth in this declaration, and
6 II if called as a witness could and \vould testify competently thereto. I subm.it this
711 declaration in support ofNivie Samaan's Opposition to Joseph Zemik's Motion to Expunge
8 I Lis Pendens.
10 2. In October 2005, I represented Nivie Samaan in her lawsuit against

II Ii Joseph Zemik (Case No. SC 087400). On October 25, 200S, I caused to be served on
1211 Zernik by Certified Mail the Notice of Pendency of Action. I served the Notice of
13 II Pendency of Action on four different addresses I had for Zernik, including 320 S. Peck
1411 Drive, Beverly Hills, California 90212. I served the Notice of Pendency of Action by
1511 certified mail return receipt requested. I received receipts of delivery and acceptance of
16 the Notice of Pendency of Action confmning that Zemik had received the Notice.
17 Attached hereto as Exhibit C are true and correct copies of the receipts I received from
18 II Zemik. The fIrst page two pages of these documents are the return receipts signed by
0) ~
19 Zernik himself on October 27, and November)a';"2005, at two of the addresses to which
20 we mailed the Notice of Lis Pendens, confuming that Zemik did receive the Notice of Lis
21 Pendens.
22
23 I declare under penalty of perjury of the laws of the State of California that
24 II the foregoing is true and correct and that thjs~ection is executed on July 1'1,2007 in.
2511 &4 California. (]~

26"
27 11
28
1 (j\(\
JAYR
_
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II \.1MKJ~r)o3589n51
'J;02-WEST 1
-1-
SCl'PLEr\jE,L~L OBCL<\R..A,.lIO;.J OF JAY R SlEL'-i
286 / 745
PROOF OF SERVICE
2 STATE OF C ALlFOR0JIA, COLl\iTY OF LOS A.'IGELES
3 II I am employed in the County of Los Angeles; I am over the age of eighteen

years and not a party to the \vithin entitled action; my business address is 333 South Hope
4 II Street, 48th Floor, Los Angeles, California 90071-1448.
5 liOn July 18,2007, I served the following document(s) described as PLAINTIFF SUR-
REPL Y TO ZER~IK'S MOTION TO EXPUNGE LIS PENDENS~
6 II SLPPLEMENTAL DECLARATION OF JAY R. STEIN on the interested party(ies) in
this action by placing true copies thereof enclosed in sealed envelopes and/or packages
7 II addressed as follows:
8 Robert 1. Shulkin, Esq. Joseph Zcrnik

Brokerage Company
11 Facsimile: (310) 447-1902
robert.shulkin(cl camoves.com
12
D BY:\L,\IL: I am "readily familiar" \vith the tirm's practice of collection and
with the U.S. postal service on that same day with postage thereon ful1y prepaid at
motion of the party served, service is presumed invalid ifpostal cancellation date or
affidavit.
16 ..
~ BY HAND DELIVERY: I caused such envelope(s) to be delivered by hand to the
17 office of the addressec(s).
1811 D BY ELECTRONIC ~IAIL: I caused to be prepared and sent an email to the party
19 ..
~ ST ATE: I declare under penalty of perjury under the laws of the State of
"
21 Executed on July 18,2007, at Los Angeles, California.

/ //
22 '-...._,(-~
/
/
23 L(. feZ e/i .<- / t /
Laverna A. Henry
24 /
2S
26
27
28
287 / 745
BRYAN CAVE LLP
John \\.\mherg (C\ State Bar ~(). lilSloo)
J Keith D. I,lcin (C\ State B,lr :'\0. IH-1X.J.())
jcl1l1a \Iold;1\\sk\· Cc.\ State Bar :'\0. 24()1(l<))
F"'l4 E D
'>~ • '.(!" r'~ -.f. PFRr~)R COURT
-I .," '12ll Bwad"a\, S'uite "ll()
.4: Santa \ I0111cl, California <)ll4lll- 2,'1Ho ,ii,; 102n07
i! .1'\ \
4 Telephone: ,) J()-S~()-2 J()ll
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- Llcsimile: '1 I ll-S"'()-221)(l :~:~""r:ii'(;:::, CLERK

"Ir~~~·,-. ;~ ~~-MD'ELp)UTY
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6
Sanford Shat/ I~C\ State Bar '\0. 12-22<))
Todd \, Boock (C \ State Bar :'\0. 1S1<))))
S22ll1.as \'irgl'l1es Road, \IS:\C-ll .
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o 7 Calabasas,
Telephone:
C:l!ifornia
K1K-S-I-W(,2
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8 I'acsimile: S 1S-H-l-..j.(l)<)
9 II .\ttort1eys for Count~\\-ide Home Loans, Inc.
10

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FOR THE COUNTY OF LOS ANGELES, WEST DISTRICT
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17 OPPOSITIO\! TO \lOTIO~ FOR ,\
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III IOSI·YH /.J·:R'\ilk, et al. PROTFC'1'IY f·: ()RDI·:R
18 ".
Defendants. File Date: October 25, 2005
19 Trial Date: September ~, 2007
20
Date: July 2J, 211117
21 Time: S:.)O a.m.
Place: \XFI
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25 - - -~-,--
26 I 1. [ntwduction
27 II Tns tead 0 f opposing Count~-\\'ide Homc Loans, Tnc. \; ("Count~'\\-idc") .\ lotion for a
28 II ProtectiH ( hder \\ith am suhstantin argument or supporting facts, Defendant Joseph
COU\,TRYWIDE'S REPLY TO DEFE\'DA:'\IT'S OPPOSITION

S\1O IDOCS 64-1673.1
288 / 745 TO \-IOTION FOR A PROTECTIVE ORDER
I:ernik ("I:ernik") has presented a procedurally improper pleading containing unjustified
')
:lCeusations, misinformed beliefs, and conspiraC\' theories. Countl")'\\ide and its officers and
-,., emplmces continue to be the targets of I.ernik's relentless harassment, and only ask the Court
4 to grant the limited relief of a narn)\d~,-tai1ored protectiH order.\ccordingh', Countrywide
5 respectfully requests th:lt the Court issue :1 protective order directing I:ernik to communicate
6 sole" with designated counsel regarding the present action.
7 I r1. /ernik \ccuses Countrywide and Others of Regulatory \'io!ations, haud and
8 Collusion \'Cithout a ~cintilla of I ':"idence to ~upport His. \ccusations.
9 I.ernik's Opposition to Countrywide's ~rotion for a Protectin Order ('"Opposition")
10 repeatedly accuses Countrywide and others of wrongdoing without prm'iding any real
11 C\'idence in support of his accusations, For example, the Opposition accuses "a loosely
<0
a>
l'l
':l 12 organized gmup of indi\iduals" (Opposition, p. 2, lines 9-10) including Countrywide, Plaintiff,
00
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l'lo 13 Pbintiffs attorney, /ernik's fonner attorneys and e\Tn the Honorable Jacqueline\. Connor,
~ ~
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Z
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18 Department, h,nT been "most likely compromised," (Opposition, p. 5, line 11)) and that he is
19 unable to rerain counsel "for reasons that arc most likely. related to Countr\,\vide."
,
20 (Opposition, p..), line 1 CJ). I:ernik prm'ides no e"idence to support this accusation either.
21 Throughout the Opposition, I.ernik makes yague and incoherent accusations that
22 Countl\\\ide is somehm\ imolnd in wrongdoing, ~Tt completely fails to substantiate any of
23 his arguments. /ernik's disj()inted ramblings arc rife with false statements and unjustified
24 beliefs. /ernik presents no C\'idence that Count0'\vide acted improperly in any \\'ay.
25 II 111. (:ountr)\vide's Rel]Uested Protecti';e Order Is Extremely Limited and Docs i\:ot
26 II 1nfrin~e on /ernik's Free Speech Ri~hts.
27 II CountrY\\'ide's :dotion seeks limited relief and only asks the Court to direct I.ernik to
28 II communicatL \\ith Countrn\'icle through its designated counsel. .\s a large curporation with
289 / 745 S\;101DOCS 6-+-+6~31 2

COli:.iTRYWlDES REPLY TO DEFE:\DA'iT'S OPPOSITION
Court File: "Volume IV Continued" TO \10TIO'i FOR A PROTECTIVE ORDER
more than J( 1,( I()() emplOYees, Countrywide is justified in directing a party subpoenaing it, or
'1 \\ith an ,ldH:rsari~ll position, to direct his communication to its designated legal counsc!.
-. Count0'\\'idc is entitled to knO\\' \\'ith \\'hom that party is speaking so that it can determine
-'
4 \\"hether counsel should be privy to those com'crsations and to determine whether those
5 U )1l\crsations should (ICCUr at all. To the extent that a person accuses Count0\\ide of fraud,
6 as /ernik is, he should not be permitted to pick and choose which of the thousands of
7 employees he \\ill harass that day, \vithout counsel\ ;l\\'areness, Countrywide is not in any
8 \\'ay attempting to restrict the content of Zernik's speech - if Countrywide's ~[otion is
9 grantcd, I.ernik \\'ill be able to convey anything he wants through counsc!.
10 I 1\', /ernik Cannot Justify His Relentless Harassment of Countrywide.
11 I.ernik utilizes the hulk of his ()pposition to assert his inaccurate and wholly
(C
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')I 12 unsubstanri~ltnl belief that Countrywide has somehow conspired \\'ith other parties to this
00
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13 action to defraud him, \\'hatever his "beliefs" about Country\vide, he ne\Tr justifies his
~ !: ~
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w III It 14 persistent and um"ielding harassment of Counrrnvide emplmTes and officers. lIe nC\-er
> ;
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-
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z0(
III
18 prominent senior officers and their personal associates, This beha\"ior is clearly an attempt to
19 extort Countn\\ide's further compliance with I.ernik's discm"e0' demands - illegitimate
20 demands that se1\"e no purpose, as CountD'\vide has properly complied \\-ith all of I.ernik's
21 document suhpoenas, and discovery is closed,

'1) I.ernik apparenth- believes that because he is not an attorney, he is free to threaten and
23 harass represenred (:mll1tnwide employees and officers as he pleases in order to get what he
24 \\-ants, /ernik's conduct is shocking and inexcusable, ;md the mere fact that he is not an
25 attornn does not gi\"e him the right to persist with this beh;n"ior,
26 11\', I:ernik\ ()pposition \'('as l\ot Formally Se1\Td on Countrywide,
27 II Per the Court's July 0, 2()()' order, !'ernik's Opposition was due to be filed and sen"cd
28 II (Jl1 Cmlnrnwide on July 12, 21)()7, !'ernik did not timely senoe Countrywide with a copy of his
290 / 745
S\10lDOCS\644673.1 3
COCNTRYWIDE'S REPLY TO DEFE'DA:\TS OPPOSITIOl\
Court File: "Volume IV Continued" TO \10TIO' FOR A PROTECTIVE ORDER
Oppo~ition. In fact, ~ernik did not pro,-ide Countrywide with ,1 copy of hi~ Oppo:'ition at all;
')
Countrywide obtained a cop" informally through Plaintiffs counseL hlrthcr, though the
"I
.1 Oppo~ition refer~ to exhibits or attachments, including an email sent to third parties about the
4 elSe (Opposition, p, .1, lines ~(1-:2 I), 11() documents or exhibits were eyer submittcd to
5 ( :ountt\'\'ide.
6 I \T Countrywide':, \[otion \'\'a:, Properly Seryed.
7 I .\t the July (l, .2()(I- hearing on Countrywide's Lx f>"rll! .\pplication for a Protectin
8 II ( )nkr, the Court reyuested that CLH.lntf}\\'ide seek relief by means of a noticed motion. The
9 I Court set no cLue for Countf},vidc to scrye its noticed motion. .\s noted in its proof of
10 I serYice, Countrrwide properly sen-ed its .\lotion on all parties by email and On:rnight
11 I I'::xpress on.J uly 11, :2()07.

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12 I Count0\\'ide's \Iotion makes no nc\v arguments and seeks no forms of relief that were
0(;
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(') 0 13 I not included in the I:.,' j>"rle . \ pplication. The only new facts concern actions taken b," I:ernik
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14 I ,lfrer the.l LIly 0 hearing, \\hich Zernik was personally pri\"y to.. \ny argument that ~en"ice was
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15 II not pwper or that ~ernik \\'as prejudiced in any way by Countf}wide's sen-ice is wholly
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291 / 745 COCNTRYWIDE'S REPLY TO DEFE:\DA!\T'S OPPOSITlO!\
Court File: "Volume IV Continued" TO \IOTION FOR A PROTECTIVE ORDER
\ 'I 1. (:< J11c!usion
'")
I'm the re~N)ns set forrh aboH, Country\viJe respectfully requests that the Court grant
3 II its \Iotion fur ~l Protecti\'e Order, and issue an order directing Joseph J:ernik to communicate
4 II solely \\ith Counmwide's designated counsel and no other Countf\\\-idc emplo:'ees or ofticers
5 II regarding the preselH action.
7 II Dated: J uh I.'), 21)()- BRY,\l\i C\Yl': LLP

John \X/. ,\mberg, I'~sll'

8 Keith D. Klein, Esq.

Jcnna \lo1da\\'sky, Esq.
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292 / 745 S:VIOJDOCS 6.... 67~ I 5

COUNTRY\VIDFS REPLY TO DEFDiDA!\rS OPPOSITION
TO \10TION FOR ,\ PROTECTIVE ORDER
PROOF OF SERVICE
1 II I am employed in the County of Los Angeles. State of California. I am over the age of 18
and not a party to the \vithin action. My husiness address is ] 20 Broadway. Suite 300. Santa
3 II :vtonica. California 90401-2305.
4 l i O n Juh 16.2007. I sen'ed the fore!2.oin!2. document(s). descrihed as COUNTR)'WIDE

HOME LoANS, INC.'S REPLY TO-DE~FENDANT'S OPPOSITION TO MOTION
.5 II FOR A PROTECTIVE ORDER, on the interested party(s) in this action. as follows:
6 II Jo~erh /ernik [)\fl) Phl) (;. Rich~rd (;reen. L~LJ'
)2() ~{H1thPeck Drive Creel1 & \farker

7
Be\'erh Htll~. C\ <)ll212 1X7S Centun P~rk F~st. ~llite I XXll
8 hc~ltnde: Xll 1·<)<)X-ll91 ~ ( Los .\ngeles, c.\ <)llll()-
L/ I ~ 1:+2 (iL~·ilJ:rbJlllJ\.~ lll'l
9
Robert J. Shlllkin. ESLJ· .',I( le Kesh~\arzi.
l:sLJ.
10
I ,eg~] Department Sheppard :'\[ullin Richter & Hampton. 1.1 .I>
11 Coldwell B~nker Re~identi~l Brokerage Companv .133 South Hope Street, 4Hth noor
CD
III
1 1() 11 San Yicente Bou1enrd, 9 th floor Los. \ngeles. C.\ 9llll71-1..J...J.8
M
N 12 Los .\ ngelcs. C \ ()()()..J.9 _ I ~~'acsimilc: 21.)'(12ll-1.)<)8
00
o 
«
J')~~L~,-,:J1gU'~l(fl.:Cl~l~~~~:'..Y)1l1 . ' , I'
~> ~. 0~ ]4
« >- ..
U ~ :J [g] (BY MAIL) I placed a true copy of the foregoing document in a sealed envelope
z
«
c «
« U 15
>- 0
II: II: «
. addressed to each interested party as set t()rth ahove. I placed each such envelope. with postage
ID ID ~
o Z 16 thereon fully prepaid. t(H collection and mailing at Bryan Cave LLP. Santa :vtonica. California. I
_N ::E
0
am readily familiar with Bryan Cave LLP's practice for collection and processing of
«
I-
Z
17 correspondence for mailing \vith the United States Postal Service. Under that practice. the
«
Ul
correspondence \\ould be deposited in the United States Postal Service on that same day in the
18
19
Executed on July 16. 2007. at Santa Monica. California.
20
I declare under penalty of perjury under the laws of the United States of America and the
21 I State of Cali t()rnia that the foregoing is true and correct.
11
,-'
--)
;,
/ ' { I .• <
,~
{I..J..
l".
/ '.. :A . f. / i
.
f
Pamela Davis
24
25
26
27
28
S\oIO IDOCS 6-+-+673. I 6

293 / 745 COU:-\TRYWIDE'S REPL Y TO DEFE\lDA:"T'S OPPOSITlO;...l
Court File: "Volume IV Continued" TO \1OTIO:--'; FOR A PROTECTIVE ORDER
II
Joseph Zernik
In Pro Per ,
I .320 S. Peck An:nue . '/
~
Rc\erh ltills. California 90212

3 .3 10--+3'5-9107 '(
:; .t"77;-
I,e, f
~
\
5
6
7
10
II NIVIF SAMAAN, an individual. ) Case No, SC087~()()
12 ) Assignedj{>r all fJlIIposes to the Honorahle

PlaintilT
~ Jacquelille Connor
13 ,,. . )
) EVIDENTIARY OBJECTIONS OF
l~ JOSEPH IFRNIK. an individual. and DOES ) DEFENDANT JOSEPH ZERNIK TO
I through 20, inclusive. )
15 ) DECLARATIONS PROFFERED BY
) PLAINTIFF NIVIE SAMAAN;
16 Defendants. ) IPROPOSED] ORDER
)
17 JOS-rPI i-/':r':!{N [K. an individ~~----~-- J
Hearing:
18
Cross-Complainant ) Date: July n. 2007
) Time: 8:30 a.m.
19 )
v.
) Place: Department "\"'
20 )
COI.DWLI.L BANKER RESIDENTIAL
)
21 BROKI:RA(J[:: MICHAEL LIBOW. an )
indi\ iduaI. )
II
)
)
23 Cross-Dd~ndants.
)
)
2~
--- ------ -- -~-- ---------- -~---------- - )
25
DetCndant Joseph lernik ("Zernik") hereb~ objects to the declarations of ;\Ii vie Samaan.
26
Victor Parks. Maria McLaurin. Alfred Canino. Jay Stein and Gail I IcrshO\\ itz. Zernik hereby
27
objects to various portions of the above mentioned declarations described in further detail
28
belmv.
294 / 745 Ev identiar;. Objections

-1- Case ~o. 5C087400
OBJECTIONS TO DECLARATION OF PLAINTIFF NIVIE SAMAAN
j
IN OPPOSITION TO MOTION TO EXPU:\TGE LIS PENDENS
3 1. Page 1, Paragraph 2, lines 9-27, Page 2, line 2. Irrele\ant. f\id. Code ~ 350.
4 II Samaan's E1mily history is not relevant to this specific performance action.
5 II Court's Ruling On Ohjection 1: Sustained: ()yerruled:
6
j
7 Page 2, Paragraph 3, lines 9-11. Lacks foundation. no personal knowledge.
g II Evid. Code ~~ 400-403.702. No foundation has been established for Samaan having
9 II personal kncmledge of whdher or not Michael Lihow of Coldwell Banker vvas Zemik's
10 II agent in the transaction.
I 1 II Couli's Ruling On Ohjection 2: Sustained: Overruled: - - - -
12
13 3. Page 2, Paragraph 4, lines 16-17. Lacks foundation. no personal knowledge.

14 II h·id. Code ~~ 400-403.702. No foundation has been established for Zernik having sent a
15 II counteroffer.
16 II Court's Ruling On Objection 3: Sustained: -_.
Oveml1ed: - - - -
17
18 4. Page 2, Paragraph 4, lines 18-21. Lacks foundation, no personal knowledge.

19 II Evid. Code ~~ 400-403,702. No foundation has been estahlished for Samaan having
20 II reviewed lernik' s counteroffer. Impermissihle secondary evidence. Evid. Code ~ 1521.
21 liThe hest evidence of the terms of Samaan's second counter offer to lemik is the
22 II counteroflCr itself.
23 Court's Ruling On Ohjection 4: Sustained: Overruled:
24
j-
-) 5. Page 2, Paragraph 5, lines 23-26. Impermissihle secondar: evidence. Fvid.
26 II Code ~ 1521. The hest evidence of the terms of Samaan's memo to Lihow is the memo
27 II itself.
28 Court's Ruling On Objection 5: Sustained: Overruled:
295 / 745 Evidentiar; Objections

Court File: "Volume IV Continued" -2- Case "Jo. SC087400
,..,
6. Page 2, Paragraph 5, line 27 - Page 3, line 2. Impermissible secondary
3 II evidence. Evid. Code ~ 1521. The best evidence of thc terms of this document is the
-+ II document itself.
5 II Coul1's Rulin!! On Ohjection 6: Sustained: Overruled:
6
7 7. Page 3, Paragraph 6, lines 1-2. Irrelevant. Evid. Code ~ 350. Lacks

8 II foundation, no personal kll(mledge. Evid. Code ~~ 400-403.702. No foundation has been
9 II cstablished for Samaan' s knowledge of vvhether Libo\V faxed his acceptance late in the
10 II evening.
II II Court's Ruling On Objection 7: Sustained: Ovemtled:

12
13 8. Page 3, Paragraph 6, lines 6-16. Misstates evidence. Thc proposcd addendum
14 II did not change the acceptance date, as it was not signed. Improper authentication. Hearsay.
15 II Impermissihle secondary evidence. Evid. Code ~ 1521. The hest cvidence of the terms of
16 II Samaan's alleged facsimile is the facsimile itself.
17 Court's Rulim!. On Ohjection: Sustained: Ovcrruled:

18
19 9. Page 3, Paragraph 6, lines 20-22. Hearsay. Evid. Code ~ 1200.

20 II Court's Ruling On Objection: Sustained: Overruled:
:2 I
22 10. Page 3, Paragraph 7, line 27. Irrelevant. hid. Code ~ 350.

)"
~j Court's Ruling On Ohjection: Sustained: Overruled:
24
,..,-
~) II. Page 3, Paragraph 7, line 27 - Page 4, line 1. Lacks foundation. no personal
26 II knowledge. Evid. Code ~~ '+00-'+03.702. No foundation has been estahlished for Samaan
27 'II knO\\lcdgc of \\ hdher she received an "EscrO\\ Package" from Libow.
28 II Court's Rulin!! On Ohjection: Sustained: Ovemlled:
296 / 745 "

-j-
Evidcnti<lr y Objections
Court File: "Volume IV Continued" Case ]\0. SC087400
! 12. Page ..., Paragraph 7, Lines 1-2. Hearsay. Evid. Code ~ 1200.
3 II COLll1'S Rulimr On Objection: Sustained: ---
Overruled:
4
5 13. Page 4, Paragraph 7, lines 8-10. Hearsay. Evid. Code ~ 1200. Lacks
6 II foundation, Ill) personal knO\\ ledge. Evid. Code ~~ 400-403.702. No foundation has been
7 II established !(,)l" Samaan having personal knO\vlcdge of \vhether Zernik had provided Mara
8 II Escrmv \\ ith the "executed Purchase Agreement."
') II Court's Ruling On Objection: Sustained: Ovemlled:
10
II I-L Page 4, Paragraph 8, line 12. l.acks foundation. Evid. Code ~§ 400-403.
12 II Court's Rulimr On Objection: Sustained: ----
Overruled:
13
15 II foundation, no personal knowledge. Evid. Code §§ 400-403,702. No foundation has been
16 II cstabl ished lor Samaan having personal knmvledge of whether Parks had received the
17 II '''Fs(fcm Package"" from lernik or Libow.
18 II Court's Ruling On Objection: Sustained: _ Overruled:
19
20 16. Page ..., Paragraph 9, lines 16-17. Hearsay. Evid. Code ~ 1200. Lacks
21 foundation. no personal kncmkdge. Evid. Code §§ 400-403.702. No foundation has been
22 established for Samaan having personal knmvledge of whether Mara Escrow was waiting for
23 documents from LibO\v.
r- )
26 17. Page ..., Paragraph 10, lines 19-20. Improper legal conclusion/argument as to
27 II what is n:quired by the "parties' agreement'". Evid. Code §§ 800. 801. Lacks foundation.
28 II no personal knO\vledge. Evid. Code §§ 400-403.702. No foundation has been established
297 / 745 Evidentiary Objections

Court File: "Volume IV Continued" -4- Case :\0. SCOS7400
for Samaan having personal knowledge of completing a home inspection.
') II Court" s Ruling On Objection: Sustained: O\l~ITUkd:
3
4 n~. Page -t, Paragraph 10, lines 21-26. Speculati\e. Lacks foundation. no
5 II personal knO\\kdge. t\id. Code ~~ 400-403.702. No foundation has been established for
6 II Samaan having personal knO\\lcdge of \\ hen Libow sent the disclosure statements.
7 111"vlisstates e\ idence. Impermissible secondary evidence. Evid. Code ~ 1521. The best
R II evidence of the terms of Libow's facsimile is the facsimile itsel f.

9 II Court's Ruling On Objection: Sustained: Cherruled:
10
II 19. Page 5, Paragraph 11, lines 1-2. I Icarsay. Evid. Code ~ 1200.
13
14 20. Page 5, Paragraph 11, lines 2-3. Hearsay. hid. Code ~ 1200. Lacks
15 II foundation. no personal knowledge. Evid. Code ~~ 400-403.702.
16 II Court' s Ruling On Objection: Sustained: Overruled:
17
19 II Evid. Code ~~ 400-403.702.
20 II Court's Ruling On Objection: Sustained: Ovemtled: - - - -
21
')') ')'1
Page 5, Paragraph 11, lines 8-11. Misstates evidence. The trust account
23 II deposit receipt shO\\s the check bei ng received by Mara Escf(m on October 12. 2004.
24 II Impermissible secondary evidence. Evid. Code ~ 1521. The best evidence of the deposit
25 II check and its receipt is the document itself. Hearsay. Evid. Code ~ 1200.
27
28 23. Page 5, Paragraph 12, lines 15-16. . lmpropcr legal conclusion;(ugument as

-5- Case No. 5C087400
to the effect of Samaan's facsimile. Evid. Code ~~ 800, 801. Impermissible secondary
I II evidence. Evid. Code ~ 1511. Hearsay. Evid. Code ~ 1100.
3 II Court's Rulin2. On Objection: Sustained: (herruled:
4
5 2.t. Page 5, Paragraph 12, lines 16-22. Improper legal conclusion argument.
6 II Fvid. Code ~~ ROO. 801. Impermissible secondary evidence. Lvid. Code ~ 15:21. Hearsay.
7 II [vid. Code ~ 1:200. Lacks foundation, no personal knO\vledge. Lv id. Code ~~ 400-403,702
8 II Courfs Ruling On Objection: Sustained: - - -
Ovcrruled:
9
10 25. Page 5, Paragraph 13, lines 24-25. Improper legal conclusion/argument. Evid.
11 IICode ~~ 800,801. Impermissible secondary evidence. Evid. Code ~ 1521. Hearsay. Evid.
12 II Code ~ 1200. Lacks foundation, no personal knowledge. Evid. Code ~~ 400-403.702
14
IS 26. Page 5, Paragraph 13, line 26- Page 6, line 2. Misstates evidence. Improper
16 Illegal conclusion/argument. Evid. Code §§ 800, 801. Impermissible secondary evidence.
17 II L\id. Code ~ 1521. Hearsay. Evid. Code ~ 1200. Lacks foundation, no personal knowledge.
18 II Evid. Code ~~ 400-403,702.
19 II COll11's Rulim! On Objection: Sustained: Overruled: - -
20
I I II foundation. no personal knowledge. Evid. Code ~~ 400-403,702.
23 II Coul1's Ruling On Objection: Sustained: Chcrrukd:
24
25 28. Page 6, Paragraph 14, lines 5-7. Hearsay. Lacks foundation. no personal
26 II kmm ledge. hid. Code §§ 400-403,702. Improper authentication.
27 COUl1's Ruling On Objection: Sustained: ()v' erruled:
28
~--------------
299 / 745 h identiary Objections

Court File: "Volume IV Continued" -6- Case 'io. SC087400
~9. Page 6, Paragraph 14, lines 7-9. Hearsa~. Lacks foundation. no personal
~~
')
knO\\ ledge. hid. Code -+00--+03.702. Improper authentication. Improper legal
3 II conclusion argument. bid. Code ~~ ROO. 801. Impermissible secondar) evidence. hid.
-+ IICode~ 1521.
5 II Court's Ruling On Objection: Sustained: (herruled:
6
7 30. Page 6, Paragraph 14, lines 9-14. lIearsa). Lacks foundation, no personal
8 II knowledge. hid. Code ~~ 400--+03.702. Improper authentication. Improper legal
9 II conclusion argument. Evid. Code ~~ 800, 801. Impermissible secondary evidence. E\id.
10 IICode~ 1521.
II II Court's RulinQ. On Objection: Sustained: (hcrmlcd:

12
13 31. Page 6, Paragraph 16, lines 23-28. Irrelevant. Evid. Code ~ 350. Ikarsav.
14 II Lacks foundation, no personal knowledge. Evid. Code ~~ 400-403.702. Improper
15 authentication. Improper legal conclusion/argument. E\id. Code ~9 800, 801.
16 II Impermissible secondary evidence. Evid. Code ~ 1521.

17 Court's Ruling On Objcction: Sustained: Overruled:
18
.,;
19 J_. Page 7, Paragraph 17, lines 4-9. Hearsay. Lacks foundation, no personal
20 II knO\\lcdge. hid. Code ~~ 400-403.702. Improper authentication. Improper legal
21 conclusion argument. Evid. Code ~~ 800, 801. Impermissible secondary evidence. Lvid.
Code ~ 1521. Misstates evidence.
')')

24
OBJECTIONS TO DECLARATION OF PLAI:\ITIFF VICTOR PARKS
25
I;\J OPPOSITION TO MOTION TO EXPV:\IGE LIS PENDENS
26
27 1. Page 1, Paragraph I, lines 4-7. Lacks foundation, no personal knO\vledge.
28 II Evid. Code ~~ -+00-403,702. No foundation has been estah1ished for Samaan having
300 / 745 E\ idcnti3r;. Objections

Court File: "Volume IV Continued" -7- C3se No. SCOS7.+00
personal knO\vledgc of any of the items he has stated in his declaration.
! II Court's Ruling On Objection: Sustained: O\i.?lnI1ed:
-,
-'
')
4 Page 1, Paragraph 2, lines 9-21. Hearsav. 1m proper !egaI
:) II cone! usion argument. hid. Code ~~ 800. 801.
6 Court's Ruling On Ohjeetion: Sustained: Cherruled:
7
8 3. Page 1, Paragraph 3, line 23 - Page 3, line 5. Hearsay. Improper legal

9 II conclusion/argument. Evid. Code ~~ 800. 801. Lacks foundation. no personal knowledge.
10 II Evid. Code ~~ 400-403.702. Irrelevant. Speculative.

II II Court's Ruling On Objection: Sustained: Overruled:
12
13 4. Page 3, Paragraph 5, line 11-14. Hearsay. Lacks foundation. no personal

14 II kno\\lcdge. Evid. Code ~~ 400-403.702.
15 Coul1's Ruling On Objection: Sustained: Overruled:

16
17 5. Page 3, Paragraph 5, lines 14-17. Hearsay. I.acks foundation. no personal

18 II knowledge. Evid. Code ~~ 400A03.702. Improper legal conclusion/argument. Evid. Code
19 II ~~ 800. 801.
21

23 II knO\\ledge. Evid. Code ~~ 400-403.702. Improper authentication. Improper legal
24 conclusion argument. F\id. Code ~~ 800. 801. Impermissible secondary evidence. Evid.
')-
-) Code ~ 1521.
26 II Court" s Ruling On Objection: Sustained: - - -

Overruled:
27
28 7. Page 3, Paragraph 5, lines 23-25. Improper legal conclusion· argument. Evid.
301 / 745 E\ identiar) Objections

Court File: "Volume IV Continued" -8- Case '\;0 SC087400
Code ~~ ROO. ROL Lacks foundation. no personal knO\\ledge. hid. Code ~~ 400-403.702.
'1
Court's Rulin£. On Ohjection: Sustained: O\erruled:
3
-l 8. Page 3, Paragraph 5, lines 25-28. I karsay. Lacks f()lmdation. no personal
5 II knm\ledge. [\id. Code ~~ -l00-403. 70~.

6 II Court's Ruling On Ohjection: Sustained: (herrukd:

7
g 9. Page 4, Paragraph 6, lines 2-6. Hearsay. Lacks foundation. no personal
9 II kl1lmkdge. Lvid. Code ~~ 400-403.702. Impermissihle secondary evidence. E\id. Code
10 II § 152 I. Misstates evidence.
I1 Court's Ruling On Ohjection: Sustained: Overruled:
I~
13 10. Page 4, Paragraph 6, lines 6-7. Hearsay. Impermissihle secondary evidence.

l-l II Evid. Code ~ 15~ I. Misstates evidence.
15
] 6 II Court's Rulin£. On Ohjection: Sustained: - - -
Overruled:
17
18 11. Page 4, Paragraph 6, lines 7-10. Hearsay. Impermissihle secondary evidence.
19 II Evid. Code ~ 15~ 1. Misstates evidence.

20 II Court's Ruling On Ohjection: Sustained: ()yerruled:
21
')'1
12. Page 4, Paragraph 7, lines 12-17. Hearsay. Lacks t()Lmdation, no personal
23 II knowledge. Evid. Code ~~ -lOO--l03.702.
2-l II Court"s Rulin£. On Ohjection: Sustained: 0\ L'ITukd:

25
~6 13. Page 4, Paragraph 8, lines 19-21. Hearsay. Lacks foundation, no personal
27 II knO\\ledge. hid. Code ~~ 400-403.702.

~g II Court's Ruling, On Ohjection: Sustained: (herruled:
302 / 745 E\ identiary Objections

Court File: "Volume IV Continued" -9- Case 1\u. SC08NOO
14. Page -4, Paragraph 9, lines 23-25. Hearsay. Lacks foundation, no personal
I II kno\\lcdge. Fvid. Code
~ ..
~~ ..J.00-..J.03.702.
3 Court's Rulin!! qn Ohjection: Sustained: o ,,:rru Icd:

. J.
5 15. Page 4, Paragraph 9, line 25- Page 5, line 2. Hearsay. Lacks foundation, no
6 II personal kno\\ledge. hid. Code ~~ 400-403,702. Impermissible secondary evidence. E\ id.
7 II Code ~ 1521. Misstates evidence.
8 II Court's Ruling On Objection: Sustained: Overruled: . _ - - -
10 16. Page 5, Paragraph 9, lines 2-8. Hearsay. Lacks foundation, no personal

II II knowledge. Evid. Code ~§ ..J.00-403,702. Impermissible secondary evidence. Evid. Code
12 I [§ 1521. Misstates evidence.
14
15 17. Page 5, Paragraph 10, lines 10-13. Lacks foundation, no personal

16 kn()\\ledge. Evid. Code ~§ ..J.OO-403.702. 1mpermissible secondary evidence. Evid. Code
17 § 1521. Impropcr legal conclusion/argument. hid. Code ~§ 800. 801.
18 II COUl1's Ruling On Objection: Sustained: Overruled:- - - -
19
20 18. Page 5, Paragraph 10, lines 13-15. r.acks t()lll1dation. no personal
21 knowledge. hid. Code §§ 400-403.702. Impermissible secondary e\idence. Evid. Code
II ~ 1521. Improper legal conclusion/argument. Evid. Code §§ 800. 80 I.
)" COUl1'S Ruling On Objection:
--' Sustained: ( herrulcd:
24
25 19. Page 5, Paragraph 10, lines 17-19. r.acKs foundation. no personal
26 II kn(m ledge. hid. Code ~§ 400-403,702. Hearsay.
28
303 / 745 h identiar:~ Objections

-10- Case No. SC087400
~O. Page 5, Paragraph 11, lines 21-23. Hearsay. Lacks foundation. no personal
2 II knc)\\ ledge. hid. Code ~~ 400-..+03.702.
3 II Coun's RulinQ. On Objection: Sustained: On:rruled:

4
5 21. Page 5, Paragraph 11, lines 23-25. Ilearsay. Lacks foundation. no personal
6 II knc)\\ ledge. fvid. Code ~~ 400-403.702.
7 "Courfs Ruling On Objectioll: Sustained: Overruled:

S
9 II Page 5, Paragraph 1), lines 25-27. Lacks foundation. no personal
10 II knmvledge. Evid. Code ~~ 400-403.702. Impermissible secondary evidence. Evid. Code
11 II ~ 1521. Improper legal conclusion/argument. E\id. Code ~~ SOO. 801.
13
;..,
14 --' . Page 5, Paragraph 11, lines 27-28. I karsay. I.aeks Coundation. no personal
15 II kncm ledge. hid. Code ~~ 400-403.702.
16 Court's Ruling On Objection: Sustained: Ovemlled:

17
18 24. Page 6, Paragraph ) 2, lines 1-2. Hearsay. Lacks foundation. no personal

19 II knowledge. Lvid. Code ~~ 400-403.702.
20 Court's Ruling On Objection: Sustained: OvemJled:

21
')')
25. Page 6, Paragraph 12, lines 2-4. Hearsay. [aeks foundation. no personal
23 II knc)\\lcdge. !·\id. Code ~~ 400-403.702.
2411 Court's Ruling On Objection: Sustained: Overruled:

1-
~)
27 II knO\\ ledge. Evid. Code ~~ 400-403.702.
28 II Court's RulinQ. On Objection: Sustained: CherruIed:
304 / 745 r-: \iJ~ntiary Obj~ctions

- 11- Cas~ '\Jo, SC087-l00
27. Page 6, Paragraph 13, lines 8-10. Hearsay. Lacks foundation. no personal
') Ilkn()\\1cdge. r-\id. Code ~~ 400--+03.702.
3 'II Coul1's RulinQ On Objection: Sustained: Overruled:

4
5 II 2R. Page 6, Paragraph 14, lines 12-16. lJearsay. Lacks foundation. no personal
6 II knm\ ledge. I:vid. Code ~~ 400-403.702. Improper legal conclusion/argument. Fvid. Code
7 II ~~ ROO. 801. Speculation.
S II Court's RulinQ On Objection: Sustained: ~--

Overruled:
9
1 I II knowledge. Fyid. Code ~~ 400-403.702. Improper legal conclusion/argument. Evid. Code
12 II ~~ ROO. RO I. Improper authentication. Speculation. Impermissible secondary evidence.

13 II Evid. Code ~ 1521.
14 II Coul1's RulinQ On Objection: Sustained: Overruled:

15
16 30. Page 6, Paragraph 14, lines 21-22. Lacks foundation. no personal

17 II knO\yledge. Fvid. Code ~~ 400-403.702. Speculation.
18 II Court's RulinQ On Objection: Sustained: Ovemlled:

19
20 31. Page 6, Paragraph 14, lines 23-24. Lacks foundation. no personal

21 II knm\ ledge. hid. Code ~~ 400-403,702. No foundation has bcen established for Parks
22 II having any pcrsonal knowledge of whether lernik \yent to Mara Escrow on Friday. October
23 1122. 2004. Speculation.

24 II Court's RutinQ On Objection: Sustained: (herruled:
25
'))
26 J_. Page 6, Paragraph 14, lines 24-26. Lacks foundation. no personal
27 II kmm ledge. bid. Code ~~ 400-403.702. l-karsay. Impermissible secondary evidence.
28 II Evid. Code ~ 152 I.

-12- Case No. SC087-WO
Court's Rulin£ On Objection: Sustained: O\crruled:
I
.., -,-,
.) .).) . Page 6, Paragraph 14, lines 24-26. Lacks foundation, no personal
-1- II kn<.m ledge. E\id. Code ~~ '+00-'+03.702. Hearsay. Impennissible secondan evidence.
S II F\id. Code ~ 1521. Misstates evidence.
7
8 34. Page 7, Paragraph 15, lines 1-3. Hearsay. Lacks foundation, no personal
9 II knO\v1edge. Evid. Code ~~ -1-00-403.702. Impermissible secondary evidence. Evid. Code
10 II ~ 1521. Misstates evidence.
\1 II Court's Ruling On Objection: Sustained: Overruled:
12
.., -
13 .)) . Page 7, Paragraph 16, lines 5-7. Lacks foundation. no personal knowledge.
14 II Evid. Code ~~ '+00-403.702. Improper legal conclusion/argument. Fvid. Code ~~ 800. 80 I.

16
18 II Evid. Code ~~ 400-403.702. Improper legal conclusion/argument. Evid. Code ~~ 800. 80 I.
20
Y) II Evic!. Code ~~ 400-'+03.702. Improper legal conclusion/argument. Evid. Code ~~ 800, 801.
23 II Court's Ruling On Objection: Sustained: Ovemtled:
2-1-
25 38. Page 7, Paragraph 16, lines 12-13. Lacks foundation, no personal kn<.)\\ ledge.
26 II E\id. Code ~~ '+00-403,702. Improper legal conclusion/argument. E\id. Code ~~ 800. 80 I.
27 Court's RulilH! On Ohjection: Sustained: O\en"ulcd:

28
306 / 745 E" identiary Objections

-13-
Court File: "Volume IV Continued" Case \io. SC087..+00
~
39. Page 7, Paragraph 16, lines 12-13. Lacks foundation. no personal kmm ledge.
2 II Evill. Code ~~ 400-403,702. Improper legal conclusion argument. Evid. Code ~~ 800. 80 I.
3 II ~'oun's RulinQ. On Ohjection: Sustained: O\t~ITuled:
5 40. Page 7, Paragraph 16, lines 13-1·t Hearsay. Lacks foundation. no personal
6 II klllm kLlge. h ill. COlle ~~ -l-OO--l-03.702. Improper legal conclusion. argument. Evid. Code
7 II ~~ 800. 801.
S II Court's RulinQ. On Ohjection: Sustained: ---

O\errukd:
9
10 41. Page 7, Paragraph 16, lines 13-18. Hearsay. l.acKs foundation. no personal
I I II knO\\ledge. Evid. Code ~~ -lOO-403.702. Improper legal conclusion/argument. Evid. Code
12 [I ~~ 800. 801.
13 II Court's Ruling On ObjcctioIh Sustained: (hemt1ed:
14
15 42. Page 8, Paragraph 17, lines 1-8. Hearsay. Lacks f<nmdation. no personal
16 II knowledge. Fvid. Code ~~ 400-403,702. Improper legal conclusion/argument. Evid. Code
17 II ~~ SOO. 80 I. Improper authentication.
18 II Court's Rulin2. On Ohjection: Sustained: Ovemlled:
19
OBJECTIONS TO DECLARATION OF MARIA MCLAURIN IN OPPOSITION
20 II TO MOTION TO EXPUNGE LIS PENDENS
21
22 1. Page 1, Paragraph 1, lines 4-8. Lacks f<)undation, no personal knO\vledge.

23 F\id. Code ~~ 4()O·403.702. No t<)Undation has heen established for McLaurin having
24 personal knO\\ ledge of the Samaan's loan application lile. Indeed. McLaurin merely states
25 that she is a hranch manager. she oftl:rs no explanation of how her role as hranch manager
26 gave her personal knowledge.
27 II Court's Rulin2. On Ohjection: Sustained: O\l.?mlled:

28
307 / 745 Evidentiar~Objections

Court File: "Volume IV Continued" -14- Case No. SC087c100
Court's Ruling On Objection: Sustained: Owrrukd:
/
3
-+
kno\\ledge. Evid. Code ~~ 400-403.702. No foundation has been established for these
5
records heing the type of record customarily kept by Countrywide. No foundation has been
6
established for the entries on these records having been made by someone unda a duty to
7
make such entries. Ten'lor v. Centennial Bmvl, Inc. (1966) 65 C2d. 114. No foundation has
8
been established for McLaurin·s firsthand knowledge of the information in the records or her
9
obtaining such information from someone under a duty to report such information to her. No
10
foundation has been established for the records being made at or near time of the act or event
II
recorded. No foundation has been established for Mclaurin·s qualitication to authentic
12
these records. No foundation has been establ ished as to the identity and mode of preparation
J3
of the documents. Evid. Code ~ 1271. Gee v. Timineri (1967) 248 CA2d 139. 146.
14
Improper authentication.
15
Courfs Ruling On Objection: Sustained: - - - Overruled:
16
17

19 knO\\ledge. Evid. Code ~~ 400-403.702. Improper legal conclusion/argument. Evid. Code
20 ~~ SOO. 80 I.
21 II Court"s Ruling On Objection: Sustained: Overruled:

//
23
24
krHmledge. hid. Code ~~ 400-403.702. Improper legal conclusion argument. Evid. Code
25
~~ 800. 801.
26
Court"s Rutin!.!. On Ohjection: Sustained: Overruled:
27
1/8

-16-
Court File: "Volume IV Continued" Case 1\0. SC0874(]O
OBJECTIONS TO DECLARATION OF ALFRED CANING IN OPPOSITION
TO MOTION TO EXPU~GE LIS PENDENS
2
3 1. Page 1, Paragraph 1, Lines 4-6. Lacks foundation. no personal knowledge.
~ Evict Code .~~. ~OO-403.702. No foundation has been established for Alfred Canino haying ~
5 any personal knowledge of the subject matter of his declaration. Hearsay.

6 II Court's RulinQ. On Objection: Sustained: (herruled:
7
J Page 1, Paragraph 2, Lines 7-10. Lacks foundation. no personal knO\\ledge.
8
9 II Evid. Code ~~ ~OO-403,702. No foundation has been established for Alfred Canino haying
10 II lin)' personal knowledge of the subject matter of his declaration. Hearsay. Improper
11 II authentication. Impennissible secondary evidence. Evid. Code § 1521. No exhibit vvas
12 II attached to the version served on Zernik.

13 II Court's RulinQ. On Objection: Sustained: Overruled:
I~
15
OBJECTIONS TO DECLARATION OF GAIL HERSHOWTIZ
16 IN OPPOSITION TO MOTION TO EXPUNGE LIS PENDENS
17
18 1. Page I, Paragraph 1, lines 4-9. Lacks foundation. no personal knowledge.
19 II Evid. Code ~~ ~OO-~03.702. No foundation has been established for Hershowtiz having
20 II personal knO\vledge of in fonnation contained in her declaration. She merely stated that she
21 11"\vorh:d \\ ith" Mara Escrow. she never offers any evidentiary foundation for having been
22 II imolved with the cscrO\v. having reviewed the escrow file, or haying dealt \vith any other
23 II aspect of this escrow. Instead. she merely offers a conclusory statement \vithout offering any
2~ II basis for it.

/~
-) Court's Rulim: On Objection: Sustained: Overruled:
26
27
28
309 / 745 E\idICntiary Objections

-17- Case ~o. SC087400
, Page 1, Paragraph 2, lines 11-15. Lacks foundation. no personal kno\\ ledge.
J II L\ id. Code ~~ -1-00--1-03.702. No foundation has been established for HershO\vtiz having
3 II personal knO\\ ledge of information contained in her declaration. She merely stated that she
-1- II "\\ orked \\ith" Mara Escr()\\. she never offers any evidentiary foundation for having been
5 II il1\ohed \\ith the escrow. having reviewed the escrow tile. or ha\ing dealt \\ith any other
6 II aspect of this escr(m. Instead. she merely oIlers a conclusor: statement \\ithout o (Tering any
7 II basis for it. Improper authentication. Hearsay. No foundation has been established for these
8 II records being the type of record customarily kept by Mara Escf()\\. No foundation has been
9 II established for the entries on these records having been made by someone under a duty to
10 II make such entries. Ta.rlor v. Centennial Buwl. Inc. (1966) 65 C2d, 11-1-. No foundation has
II II been established for HershO\vitz's alleged tirsthand knO\vledge of the information in the
12 II records or her obtaining such information from someone under a duty to report such
13 II information to her. No foundation has been established for the records being made at or near
1-1- II time of the act or event recorded. No foundation has been established for Ilcrshowtiz's
15 II qualification to authentic these records. No foundation has been established as to the identity
16 II and mode of preparation of the documents. Evid. Code ~ 127 L (fec v. Timincri (1967) 248
17 II CA2d 139. 1-1-6. Improper authentication. Impermissible secondary evidence. Evid. Code
18 II ~ 1521.
20
21
3. Page 1, Paragraph 3, line 17 - Page 2, Paragraph 3, line 2. Lacks foundation.
22 no personal kncmlcdge. Evid. Code ~~ -1-00-403.702. No foundation has been established
,"I
_.J
for Ilcrsho\\ tiz hm ing personal knO\\ ledge of infonnation contained in her declaration. She
24 merelv. stated that she "worked \\ ith" Mara Escf(m. she ne\er offers anv. evidentiary.
25 foundation for hming been involved \\ith the escrO\v. having revie\\ed the escrO\\ file. or
26 having dealt \\ith any other aspect of this escrow. Instead. she merely ofTers a conclusory
27 statement \\ ithout offering any basis for it. Improper authentication. Hearsay. No
28 foundation has been established for these records being the type of record customarily kept
310 / 745 E\ idt:ntiar: Objections

-18-
Court File: "Volume IV Continued" Case ~o. SC087-l00
.
bv Mara Esc[(m. \;0 foundation has been established for the entries on these records having ~
.., been made b: someone under a duty to make such entries. Taylor v. Ccnfl!J7l1ial BOH'I, Inc.
3 (1966) 65 C:2d. 114. No foundation has been establishcd for I IcrshO\vitz's alleged firsthand
4 knO\\ ledge of the information in the records or her obtaining such information from someone
=' under a dut; to report such infon11ation to her. No foundation has been established for the
6 records being made at or ncar time of the act or c\ent recorded. No foundation has been
7 establishcd for Hershmvtiz's qualification to authentic these records. No foundation has
8 been estahlished as to the identity and mode of preparation of the documents. Evid. Code ~
9 1271. Gee \'. Timineri (1967) 248 CA2d 139, 146. Improper authentication. Impermissible
10 secondary evidence. Evid. Code ~ 1521.
II II Court's Ruling On Objection: Sustained: Overruled:
12
13
OBJECTIONS TO DECLARATION OF JA Y STEIN IN OPPOSITION TO
14 MOTION TO EXPUNGE LIS PENDENS
15
16 I. Page I, Paragraph 1, lines 4-6. Lacks foundation. no personal knowledge.
17 Evid. Code ~~ 400-403.702. No foundation has been established for Jay Stein having
18 personal knowledge of information contained in his declaration,
19 II Court's RulingOnOhjection: Sustained: Overruled: - - - <
20
21 ., Page 1, Paragraph 2, lines 8-14. Hearsay. Improper authentication .
22
Impermissible secondary evidence. Evid. Code ~ 1521. Lacks foundation. no personal
23
knowledge. E\ id. Code ~~ 400-403,702. 1\0 foundation has been established for Jay Stein
24
having personal knO\\ ledge or information contained in his declaration .
.., -
-)
Court's RulinQ. On Objt:ction: Sustained: Overruled:
26
27
28
311 / 745 E\ idcntiar)' Objections

-19-
Court File: "Volume IV Continued" Case '\;0. SC087400
3. Page 1, Paragraph 2 131, lines 16-19. Hearsa~. Improper authentication.
I II Impermissible secondary evidence. Evid. Code ~ 1521. Lacks foundation. no personal
3 II knmdedge. hid. C\H.ie ~~ '+00-'+03.702. No foundation has been established for Ja: Stein
.+ II he1\ ing personal knO\\ ledge of information contained in his declaration.
5 II Court's Ruling On Objection: Sustained: Cherru1ed:
7
. r I
>' 0'--;-
) ''\.
8 Dated:_2.L Joseph lernik. IN PRO PER
9 .:- .~
:
. . .f
- -= ,
-
10
) <. ;
.~--~---' -._- _~7-------
I1 JOSEPH ZERNIK
12
13
1.+
IS IT IS SO ORDERED.
16 DATED: ----
17 JUDGE OF THE SUPLRIOR COURT
18
19
20
21
II
23
2.+
25
26
27
28
312 / 745 Ev identiar: Objections

Court File: "Volume IV Continued" -20- Case )Jo, SC087400
I; II
S(r,orr Law A
Professional
Co~poratlcn
PROOF OF SERVICE
, STATE OF CALIH)RNIA. COLNTY OF LOS ANGELFS.
-,.., [ am employed in the Count: of Los Angeles. State of California. I am mer the age
of 18 and not a party to the \\ithin action: my business address is 12100 Wilshire Boulevard.
4 Suite SOO. Los Angeles. Calil'ornia 90025.
.) On .luh 16. 2007. I served the foregoing document descrihed as EVIDENTIARY
OBJECTIO:\i"S OF OEFE:\DA:\T JOSEPH ZER.~IK TO DECL\RATIO:\S PROFFERED
6 BY PL\I:\TIFF :\IVIE SA\lAA:\i; /PROPOSEDI ORDER on the interested parties in this
action by placing a true copy thacof enclosed in a scaled envelope addressed to:
7
Moe Keshavarzi Robert .I. Shulkin
8 Sheppard Mullin et al LLP Cold\vell Banker Legal
tl1 th
333 South Hope Street. 48 Floor 11611 San Vicente 130ulevard. 9 Floor
10
~ BY MAIL: I caused such envelope to be deposited in the mail at Los Angeles.
II California. The envelope was mailed with postage thereon lully prepaid. 1 am readily
lil11:i!iar \\it.h the ti.nn·s practice or colJection and ~roc~ssing correspondenc.e for
12 matllllg. It IS ckposlted \\Ith the Umted States Postal Ser\lce on that same day III the
ordinarv course of husiness.
13
14
D BY PFRSONAL SERVICE: I caused such envelope to be personally delivered by
hand to the ortices of the addressee.
15 D B'{ fTDERAL EXPRESS: The Federal Express package tr,acking numbt:r for t~is
emcIope is_ _ __, ~_. and the emcIope was sent rmode I tor receIpt
16 on I day I· l datlT'" .
17 D BY FACSIMILE MACIHNE: The above-referenced document was transmitted by

tilcsimik transmission and said transmission \\US reported as complete and \\ ithout
\8 error.
Executed on July 16. l007. at Los Angeles. California.
\9
20
~ (State) I declare under penalty of perjury under the la\\s of the State ofCaJifornia
21
II
. I,
23 , i II
'\ '() L I, r!!;~.. i ~
I " L'.
24 \ i , J\\..: ,\
',' <
Lili! VordclI7;ol1
25
26
27
28
313 / 745
Joseph lernik
In Pro Pcr
J 320 S. Peck A H?I1Ue
Bc\erh II ills. Cali Cornia 90.212
"
.) 31 O--t35-91 07
.~-,.
(
-, ,
.~I
-t
Ii '(
/17.77
,r"" ,t",
f)
5
6
7

10
I1 NIVIF SAMAAN. an individual. ) Case No. SC087-tOO

) Assignedfor (/1/ purposcs to the Honorahle
12 Plaintiff. )
) Jacqueline C0l1110r
13 v. )
) DEFENDANT JOSEPH ZERNIK'S
1-1- .lOSFPH ILRNIK. an individual. and DOES ) REPLY MEMORANDUM OF POINTS
I through 20. inclusin:. )) AND AUTHORITIES IN SUPPORT OF
15 ~
) MOTION TO EXPUNGE LIS PENDENS;

16 Defendants. ) DECLARATION OF JOSEPH ZERNJK
)
17 .--- ---~-----~------- ----- ) AND JOSHUA MAILMAN IN SUPPORT
JOSLPH lFRNIK. an individual. ) THE'R£OF.------ -- ".- ,
18
Cross-Complainant. ~
19 [Evidentiary Objections submitted under
)
) separate cover1
v.
20 )
COLDWELL BANKFR RESIDENTIAL
) Hearing:
21 BROKERAGE: MICHAEL LlBOW. an ) Date: Julv 23. 2007
indi\idual. )
II
) rime: 8:30 a.m.
) Place: Department --I"
23 Cross-Defendants. )
)
2-1-
-'.-- ----------,-- -_._----)
25
26
27
28
314 / 745
Repl) Brief for \lotion to Expunge l. is [)endcns
Court File: "Volume IV Continued" C!c,e 1\0 SC087~OO
Sec", ,,, A
Pr.:cfess,onal
I I
Corporat;oll
TABLE OF CONTENTS
1 I 1. IN'IR()DUC'IION 1
II. S'/·;\'IT.\1E?\i1' OF FACTS 1
3 I
-+ A. Samaan Fraudulently Induced Zernik to Fnter Into an Alleged Agreement to Sell
5 his 1,lon1c 1
6 H. Samaan Fraudulently Misrepresentcd Her Ability to Ohtain a Purchase Monc)
7 Loan for the Property During the Escrmv Period 2
8 C. Samaan Has Continued the Fraud by Misrepresenting the True Facts in This
9 I,itigation .3
10 1. Samaan's Tall Tale of Initial Submission on October 12.200"+ is Outright Fraud 3
Samaan's Tall Tale That ~kr Loan Application \\as Suspel1lkd on October 1'+.200'+ due to
")
I1
12 a \lissing Il'rnik Initial on f ieI' Initial OtTer (the purported purchase and sale agreement)
13 arc Outright Fraud , ' 3A
14 1. Il'rnik Was Not Required to Sign Samaan's Original Offer .+
15 4. lernik Cancelled the Contract on Octoba 21. 200"+. not Cktober 25. 200..J. 5
16 5. No Valid Purchase Agreement Exists 5
17 6. Samaan's ('Iaim that Zemik Agreed to Extend Her Conti ngency Period is Inva Iid 7
18 7. lern ih: Cancelkd the Purported Contract on October 21. 200..+ at II :30 a.I11 8
19 II III. DiSCUSSION 8
20 II A. Plaintiff Has Failed to Meet her Burden ofProof. 9
21 I. /J/aintiff Has Failed to :Vleet the Burden of Prllofto PrO\c She lias not Acted \\ ith Fraud ... 9
')1
" Salllaan Presented an Adultered Vcrsil1nl1fthe Purchase Agreement 9
')"
--' B. Plainti ff Did not Validly Servc Defendant with the 0:otice of L is Pendens ., I 0
2-+ C. Samaan Continues to \!lisrepresent the Terms of the Contract and the L1\\ 10
25 D. Plainti ff Did Not Oppose the Requirement that She Post a Bond 0011
26 II IV. (.()\' (' I.1' S10\' 1:2
27
28
315 / 745 -1-

SChorr La'!. A
Professlor al
Corporation
TABLE OF AUTHORITIES
I II Statutes
3 II Business and Professions Code ~ I 0240.(~ .
4 II Code ofCi\ it Procedure section 405 ..:2.:2 1

)- II. ('I '- 1\ I f) roceCiure
~o(e 0 l'("'j ~ . ' -t'0-)._-'
section ')" . I
6 II Code o!'Ci\ il Procedure section 405.34 1

7
S II Cases
9 II /\;inet\' 'vine [17\·es{lI1ell!s. Lrd. V Overseas COl/rier Service. 113 Cal.App 4 th IllS
10 II (2003) : 10. II
I1
12
13
14
15
16
17
18
19
20
21
22
,"
..;,,-'
24
25
26
27
28
316 / 745 -ll-

I. INTRODUCTION
')
{T p until the tiling of the instant motion to expunge the lis pendens plaintiff Nivie
3 II Samaan has been largely successful in her bid to focus the attention in the case on irrelevant
-+ II issues. \\hilt: continuing to conceal her fraud. Defendant Joseph Zernik has now set forth
5 II numerous instances of fraud committed by plaintiff in her failed attempt to purchase Zernik· s
6 II home. Her li'aud includes (I) fraud in inducing Zernik to enter into a purported agreement to
7 II sell his home. (2) fraud in convincing him not to cancel the escrmv at an earlier date. and (3)
8 II continuing fraud in misrepresenting the true facts underlying the transaction in order to
9 II prcvail in this lawsuit. Plaintiff Nivie Samaan has not offered any admissible evidence to
10 II attempt to contradict the true facts presented by Zernik because she cannot do so. Instead.
11 II Plainti ff presents a slanted and incomplete picture of the facts of this case. hoping that the
12 II truth in the detai Is will be overlooked. Indeed. rather than meet her burden of proof by
13 II setting forth any admissible evidence in support of her version of the facts. Samaan has
14 II resorted to petty attacks by calling lernik a liar and claiming that his theories are ··absurd.··
15 II The burden of proof is in this motion is on Samaan to establish by a preponderance of the
16 II evidence that she has a probable validity of prevailing on her claim. Samaan has failed to
17 II meet this burden. and therefore. the motion to expunge the Iis pendens on lernik·s property
18 II must be expunged.
191111. STATEMENT OF FACTS
20 II Rather than reiterate Zernik·s statement of facts (most of \\hich was completely
21 II ignored hy Samaan and uncontroverted by her opposition papers), 7ernik will highlight of a
'), II few salient discrepancies in Samaan's opposition papers.
23 II While Samaan is \\ell \ ersed at shining the attention from the salient facts and focusing
24 lion irrelevant issues the following facts are the relevant facts in this case:
,-
-) A. Samaan Fraudulently Induced Zernik to Enter Into an Alleged Agreement
to Sell his home
26
27 II Samaan has offered no evidence to refute the facts of Samaan's fraudulent
28 II inducement in lernik' s initial moving papers. Instead. Samaan summarily dismisses this
317 / 745 Reply Brief for \lotion to Expunge Lis Pendens

-\-
Court File: "Volume IV Continued" Case No. SC087..\00
argument as being "absurd". HO\\TYCr. lernik has set forth numerous instances \\here
! II Samaan fraudulently induced him to enter into the contract. including through the
3 [I presentation of a fraudulent pre-qualitication letter and continued misrepresentations by
-+ II Samaan regarding her occupation. tinancial condition and ability to obtain a loan for the
5 II Property. lernik Declaration ("Zernik Dec!."). H3-let.. Samaan. \\ho bears the burden of
6 II proof in this Illotion. never addn:sses or denies any of her fraudulent dforts to induce Zernik
7 [I to enter into the Contract.

8 B. Samaan Fraudulently Misrepresented Her Ability to Obtain a Purchase
Money Loan for the Property During the Escrow Period
9
10 The purported purchase agreement states -'Buyer shall act diligently and in good faith
I1 to obtain the designated loans." Samaan did none of that. instead she submitted fraudulent
12 loan applications and when they failed she blamed Zernik. The facts are clear. Samaan never
13 got approYed for a loan for the purchase of the Property. Under the purported purchase
14 agreement she \vas obligated to obtain a loan or cancel the contract within the tirst 17 days
15 after acceptance. The contract does not require Samaan to get a loan from Countrywide. it
16 merely requires her to get a loan or cancel the contract. Therefore, Samaan' s argument that
17 Zernik somehO\\ prevented her from getting a loan for the Property fails for two reasons: ( 1)
18 Samaan had the option to get a loan from any lender she chose and (2) Samaan could not get
19 a loan from Countrywide because of her O\vn actions. not through any hlUlt of Zernik.
20 The terms of the purported purchase and sale agreement make the sale of Zernik"s
21 Property contingent upon Samaan's ability to get a loan for the Property. not contingent on
22 her ability to get a loan from Countrywide, as Samaan \\ould ha\e this Court believe.
23 Therefore. \\ hen Samaan discovered that she could not get a loan from ('ountry\\ide she
24 should ha\c sought out other lenders. rather than blame Zernik.
25 Instead. Samaan argues that Zernik somehow pre\ented her from obtaining a loan
26 from Countrywide. HO\vevcr. in her opposition papers she fails to present any evidence to
27 contradict Icrnik's detailed analysis of Samaan's failed loan application with Countrywide.
2R Zernik has presented extensive documentary evidence produced from Countrywide that
318 / 745 Reply Brief for Motion to Expunge Lis Pendens

-2- Case :"0. SC087o.l00
shcms that Samaan had not met the conditions for loan approval. (Zernik Decl .. '-':17-2-1-.
'1
Exhibits .1-0). In her opposition. Samaan never addresses the fact that she did 110t submit a
.,
-' mlid Federa/(r .l1alldated alld Prescribed [iVIFORJ1 RES1DEi\TIAL LOAN application
4 (Form 1003) for the loan program that she applied for and that she had not met numerous
5 conditions set forth in Country\\ ide's undcf\\Titing decision letters. Id Instead. she simply
6 dismisses Zernik's argument by explaining that it relies on "an incredibly dense document
7 produced by Countrywide..... (Opposition. p. 10:2-6). Indeed. Samaan offers no evidence
8 to suggest that she addressed, met or satisfied any of the more than 10 problems
9 Countr)"wide identified with her initial invalid loan application. Motion. 6: 11-8: 17. Zernik
10 [tDecl .. ('-'-17-24.) Instead, Samaan chooses to focus on her manufactun:d argument that
11 II Zemik somehow prevented her form obtaining a loan for the Property.
12 c. Samaan Has Continued the Fraud by Misrepresenting the True Facts in
13 II This Litigation
14 II Samaan's. per motion. newly concocted t~lcsimile tall tales arc outright fraud.
15 II Samaan' s strategy in her opposition papers is very clear. Shi ft all attention away from the
16 II fact that Samaan had not met the countless conditions for loan approval and instead shift the
17 II blame to lernik for allegedly failing to initial and sign her original offer.
1R 1. Samaan's Tall Tale of Initial Submission on October 12, 2004 is Outright
19 Fraud
20 Samaan claims that her loan applications were submitted prior to October 12. 2004. as
21 is evidenced by the double Date Received stamps which indicates a prior suhmission. In
'1'1
addition. undemriting documents indicate review of the loan file prior to Octohcr 12, 2004.
n Il/ernik Ike!" n 19-22. Exhibits K. L. The presentation of the undt:r\vriting history as
24 II beginning on October 12. 2004 indicates a conspirac) to commit fraud h: Samaan.
25 II Mel .aurin and Country\\ide and a blatant violation of Regulation B. The true facts are that
26 II the loan application was first submitted in early October and then re-submitted on October
27 1112.2004.
28
, Samaan's Tall Tales That Her Loan Application was suspended on
319 / 745 Reply Brief for \-lotion to Expunge Lis Pendens

-3- Case '\0. SC087400
October 14, 2004, due to a :\lissing Zernik Initial on Her Initial Offer (the
purported purchase and sale agreement) are Outright Fraud.
2
3 To substantiate her tall tales. Samaan fraudu1entl) introduced a document that is an
4 invalid undcn\riting letter that is dated October 26. 2004. that did not exist on October 14.
5 2004. Nc\'t~rtheless. Victor Parks claims that he was (1\\ are of this undemTiting letter on or
6 about Octobcr 14. 2004 and that this letter indicated a missing Zernik signature or initial
7 caused the suspension on or about October 14. 2004. The true facts in this matter. that the
R true Undcnvriting Letter of October 14, attached as Joshua Mailman's declaration. \\as
9 t~lcsimi led to Samaan on October 14. 2004 as is evidenced by the facsimile header. The first
10 approval condition in that ktter. Frazier caught Samaan's fraud by discovering Samaan had
I1 misrepresented the address of her sole place of employment. This caused her loan application
12 to be suspended.
I3 In t~lCt. on October 6, 2004 (before the date Samaan claims she first submitted the
14 loan application). the underwriting already identified the fraud by showing that Samaan had
15 blatantly misrepresented her business address through conducting a revcrse number look up.
16 This all occurred a week in advance of the date site claimed she first submitted the loan
17 II application. Zcrnik Decl.. ~ 7. Therefore. the undemTiting letter of October 14. 2004
18 II Samaan has offered no cvidence to rebut Zernik's claim that this Octoher 26. .2004 letter was
19 II fraud.
20 II Like\'l'ise. the loan was suspended. per the terms of the underwriting letter. because
21 II clue to thc deliberate submission of dishonest loan applications. fees assigned to the loan
")") II \\ere erroneollsly lowered and so were closing costs. Subsequently. if disclosure papers
23 II wen: prepared hased on this invalid application the disclosures would also be inaccure.
24 II Therefore. Samaan left the underwriting no other choice than to suspend the loan in less than
25 II three days to protect Country\'iide. because had she allO\\'ed the loan application to remain
26 II without valid loan disclosures (which were not present) she \\ould cxpose Countrywide to
27 II Fraud. Business and Professions Cocle § l0240(c).
28 3. Zernik Was Not Required to Sign Samaan's Original Offer
320 / 745 Reply Brief for '"lotion to t:."punge Lis Pendens

-4-
Court File: "Volume IV Continued" Case 010. SC087·tOO
Zemik was never required to sign tlte Samaall's initial offer. \\ hich was the
I California Residential Purchase and Salt: Agreement and Joint Escrow Instructions. Indeed.
3 the terms of Counter OITer No. 2 expressly stated that "The terms and conditions of the
4 abO\e referenced document [the California Residential Purchase Agreement (Samaan's
5 initial oller) I are accepted subject to the following:" Applying very basic contract principles
6 n.:veals that a counter-offeree need not initial or sign an original offer alter being presented
7 \vith a counter-offer. In other words. Zcrnik was never obligated to sign the original offer
8 (even if he did or did not. which Samaan cannot conclusively prove.
9 Nevertheless. Zernik did initial and sign pages I through 8 of the purchase agreement.
10 -
Now. through the declaration of Victor Parks and \vithout am documentary evidence.
~ .
I) Samaan claims that Zcrnik signed Samaan's original offer (the California Residential
12 Purchase and Sale Agreement and Joint Escrow Instructions) atter 3:42 p.m. on October 22.
13 112004. I n fact. Gail HershO\vitz, in her declaration submitted in opposition to this motion,
14 II could not con/inn that Zernik signed the contract at that time. (I IershO\\itz Decl.. f[ 3.)
15 4. Zernik Cancelled the Contract on October 21, 2004, not

October 25, 2004
16
17 II The l~lCts reveal that Zemik cancelled the sale of the property on October 21. 2004,
18 II yet Samaan refuses to accept that date. Zemik Decl.. f[ 15. Exhibit "0" (Cancellation letter)).
19 II Instead, in the same manner that she refused to accept the timclines set forth in the purchase
20 II and sale agreement. she chose to ignore Zernik's October 21. 2004 cancellation. Samaan
21 II would now have the court believe that Zernik did not cancel until October 25. 2004. which is
II Iljust one more misrepresentation she can add to the very long list of misrepresentations.
I '
_.) 5. No Valid Purchase Agreement Exists
2~ In Samaan' s opposition she incorrectl) assumes that Zernik \\ as somehc)\\ required to

')~
-) sign and initial pages I through 8 of her original offer. \\hieh happens to ht.: the Cali fornia
26 II Residential Purchase and Sale Agreement and Joint Eserm\ instructions. I 10\\ ever. she
27 II provides no authority for such a position. The burden is on her to do so.

2S II Instead. Samaan seeks to confuse the issue (after skipping the step of establishing that
321 / 745 Reply Brief ~or Motion to E.xpung<:: Lis Pendens

-5- Case 'Jo. SC087·WO
7ernik \vas somchow requircd to sign Samaan' s initial otTer) by focusing the attention on her
2 argument that as of October 22. 2004 at 3:42 p.m. \vhen Mara Fscrlm purportedly sent a
3 t:1csimile to Victor Parks. Zt:rnik allegedly had not initialed and signt:d pages \ though 8 of
4 Samaan's original offer. Samaan never argues that 7ernik did not sign Counter Offer No.2.
5 In other \\ords. she argues that Zernik created a binding contract \\hen he signed Counter
6 OtTer f\o. 2. but that he \\as somchO\v also required to sign her original offer. Nevertheless.
7 Samaan. in her Iakst version of this vcry manufactured argument. argues that lernik had not
8 signed her original offer as of October 22. 2004 at 3:42 p.m .. but then signed that same
9 document later in the day on October 22. 2004. Indeed. in her opposition Samaan submitted
10 the declaration of Victor Parks who stated as follows:

11 At approximately 3:42 p.m. Mara Fscrmv sent me a copy of the
Purchase Agreement [Samaan's initial offerl. This document is
12 not initialed on every page by Zernik showing that as of 3:42
13 p.m. on October 22. Zernik had yet delivered to Mara Escrow a
fully executed Purchase Agreement [an initialed and signed copy
14 of Samaan's initial offer]. Apparently. at some point alter 3:42
15 p.m. on Friday October 22. Zernik when to Mara Escrow and
initialed every page of the Purchase Agreement l Samaan' s initial
16 offerj. \ immediately forwarded the fully executed Purchase
Agreement [Samaan's initial offerJ to Countrywide.
17
18
Parks Declaration. (i 14. There are numerous problems with Parks declaration, consider
19
the following:
20
2\ ( \) Parks has no personal knowledge of if or \vhen Zernik signed the agreement as
it apparent from his statement "Apparently. at some point. ..."
22
T'
--'
24
,.,-
-)
26 (2 ) Thcre is absolutely no documentary evidence to support his statement. Parks

attached. as Exhibit 24 to his declaration. a copy of what he falsdy declares is
27
the unsigned and uninitialed purchase and sale agreement. t I()\\cyer, Parks
28 dves nvt provide a copy of the second document that he contends he received
------
322 / 745 Reply Brief for !\lotlon to Expunge Lis Pendens
-6- Case ~o. SC087-100
from JJara Escrow Oil that same day alld 'hell later facsimiled to
!
Countrywide. Likc\\ise. both Mara Escrow and Countrywide have failed to
produce such a document. Countrywide's production. in response to lcrnik's
, subpoena shO\\s that Parks did not actually send either of the facsimiles he
-)
contends he sent to Countrywide on October 25. 2004. Instead. tlte ollly

-+ document produced by Countrywide (even alter 7ernik met and conferred
5 \\ith Countrywide) is the document attached as Exhibit R to Zernik's
declaration. Zernik Decl .. -; 3 I. Exhibit R. That document does contain
6 7ernik's initials and signature. I f Parks truly had sent either f~lcsimilc on
October 22. 2004. surely Countrywide or Mara Escrow would have produced
7
such a document. Alternativel\'. . if Parks had actuallv"' sent the second
8 facsimilc. surely he could have attached it to his declaration. Likewise. in
HershO\vitz's declaration she makes no mention of sending a second purchase
9 and sale agreement to Parks on October 22. 200.l. Ikrshowitz Decl .. ~ 1-3.
~ "
10
Currently. there are no less than 3 versions of the purchase agreement in existence.
I1
Dcclaration of Joshua Mailman C'Mailman OecI."). Howcver. at this point in time it is
12
impossible to determine ifany of them are valid. See. Mailman Dec!. The initials on pages I
13
through 8 of each of these different versions of Samaan's initial otTer (produced by
l.l
Countrywide. Mara Escrow and Samaan) simply do not match. Therefore. there is now way
15
to determine which version is valid. See. Mailman Dec\.
16
6. Samaan's Claim that Zernik Agreed to Extend Her Contingency
17 Period is rnvalid
18
In Samaan's declaration she accurately stated that she "Will not be able to meet the
19
terms of the Purchase Agreement" and asked that Zernik agree to change the date of his
20
acceptance so that she could have additional time to removc her contingencies. Samaan
21
Declaration. (' 6. Samaan even attached a copy of an unsigned amendment to the purported
'1')
purchase agreement. so as to mislead this court into believing that Zernik's acceptance date
23
had been changed. She also falsel) declares that "Libmv told me that there \vas no need to
24
sign the Addendum and assured mc that defendant \\ ould give me additional time to meet the
25
dcadl ines in the Purchase Agreement if needed'" Id.
26
In reality. Michael Libo\\. in his deposition. testified to an entirely different version of
27
events. Consider the follO\ving excerpts:
28
---------
323 / 745 Repl) Brief for :Y1otion to E:-;punge Lis Pendens
-7- Case ~o, SC087400
16 Q Do .you remember \1s. Samaan telling, .YOU that ~
17 night that she \\ as going out of to\\n and she needed the
I
1R acceptance date to be mo\ ed from September -- from the
3 19 date the) \\ ere accepting to another date'?
20 A 110\\ do you move an acceptance dak'?
4 21 Q To have it moved to be another date so the
5 22 deadline for the contingencies \\ould run from a
23 difkrent date.
6 2,,), ;\ No. You can't move an acceptance date.
7
Zernik Declaration. (' 5 (Deposition of Michael LibO\\ p. 49: 16-2,,),).
8
6 Q BY MR. KESHAVARZI: The question is do you
9
10 R A About the acceptance date'?
9 () Yes.
II 10 A Yes.
12 II Q What do you remember from the conversation'?
12 A I would have said as a licensee we can't make
13 13 decisions for our clients and you can't change an
14 1,,), acceptance date.
15 7ernik Declaration. -: 5 (Deposition of Michael Libmv p. 51 :6-1,,),).

16 7. Zernik Cancelled the Purported Contract on October 21, 2004 at 11:30
a.m.
17
18 Zernik canceled escrow on October 21. 2004. four days before Samaan claims he
19 II cancelled escrow. Zanik Dec!.. (T 27-2R. Ne\ertheless. in Samaan's entire opposition,
20 including all of the depositions submitted in support thereof. she fails to ever mention this
21 document. Again, Samaan continues to choose to ignore this October 21. 2004 cancellation
II by lernik in order to shin the court's attention a\vay from lernik's valid cancellation to a
23 latt:r communication by CSCfO\\. This attempt to create a facsimile race on October 25, 200..\.
2..\. II is irrc!c\ant since 7ernik had cancclkd cscro\\ four days earlier. Samaan's t~lilllre to
25 II address the Octo her 21. 200..\. is just one more indication that Samaan cannot ml:et her burden
26 Ilofproot'to maintain the lis pendens. In order to do show. she \\ould h,nc to establish. by a
27 II prepondl:rance of the evidence. that the October 21. 2004 cancellation \Vas somehow invalid.
28 11111. D[SCLSSIO~
324 / 745 Reply Brief for Motion to Expunge Lis Pendens

-8-
Court File: "Volume IV Continued" Case No. SUJ87400
A. Plaintiff Has Failed to Meet Her Burden Of Proof
'1
l. Plaintiff Has Failed to Meet the Burden of Proof to Prove She Has
not Acted with Fraud.
3
-t II In order for Samaan to prevail on her speci tic performance claim she must prove. by a
5 II pn:ponderance of the evidence that she has a probable validity of prevailing on her claim.
6 II She has !~liled to meet that standard in this motion. Indeed. Zernik raises. as part of his
7 II atlinl1ativc defense to Samaan's claim. that Samaan's fraud and unclean hands prevent her
8 II from being able to recover on her speei lic performance claims. Samaan offers no evidence
9 II to suggest that she did not fraudulently induce Defendant to enter into the purported purchase
10 II agreement. Further. Samaan presl.:nts no factual or legal argument to suggest that she did not
11 II act with fraud. Instead she simply claims Zemik's argument is "absunl". For the reasons
12 II stated in the statement of facts in both Zernik's original moving papers and reply
13 II memorandum of points and authorities. thc facts clearly show that Samaan engaged in fraud
1-+ II in this transaction. and continues to do so to the present day.
15 2. Samaan Presented an Adulterated Version of the Purchase

Agreement
16
17 II J n J:ernik' s moving papers he presented a detailed explanation of \vhy the purchase
18 and sale agreement Samaan had presented in her opposition to Zemik's original motion to
19 expunge lis pendens was adulterated (it has also been submitted in opposition to the present
20 motion as Exhibit 24 to Victor Parks' Declaration). The f~lcts included a detailed
21 explanation of how the purchase agreement is adulterated. given that no such copy has been
22 produced b) Countrywide or Mara Escrow and that the copies Countrywide and Mara
23 Escnm did produce were different from the one Samaan has ncm submitted to this court 011
2-+ multiple occasions. See. Mailman Dec!. Nevertheless, Samaan has concocted new facts
25 \vhae she nO\\ claims, through Victor Parks. that there is another version of the purchase
26 agreement that "apparently" exists that Parks sent to Countrywide also on October 21. 200-t.
27 No such document has cver been produced in this case. not by Parks. Countrywide. Mara
Escf()\\. Samaan or lernik. Zcrnik Decl .. c: 4. Further. in Gail ~krshO\\tiz's (of Mara
28
325 / 745 Reply Arid' for :'vlolion 10 hpunge Lis Pendens

-9- Case 'Jo. SC087-WO
Escrm\) n:ply declaration she makes no mention of a second facsimile of October 22. 200-L
I that Parks contends he received and then allcgedlv fomarded to Countrywide. Again.
'-- .,I . . . . . . . .
3 I[ Samaan bears the evidentiary burden of establishing by a preponderance of the evidence the
. + II probahle validity of her claim. Hm\C\ cr. she has not and cannot produce this key document
5 II in her opposition - because the document simply does not exist.
6 II True to form. a ne\\ly concocted tall talc for every motion hearing. Zernik now fullv
7 II expects a last minute surprise before summary judgment hearing - namely a new document
8 II emerging from Countrywide's files that was never included in any of the five subpoenas that
9 I hvere produced to Zernik from August 2006 through April 2007, \vhere custodian of records
10 II declarations and attorneys trom Countrywide's legal department repeatedly claimed that
II II Zernik received all documents relating to Samaan's loan file. In other words. Zernik fully
12 II expects Samaan to invent another sel f-:"serving document to help her in her continuing fraud -
13 II a document that has not been shown to exist as of this date. After al L Countrywide and
14 II Samaan are colluding in fraud.
15 B. Plaintiff Did not Validly Serve Defendant with the Notice of Lis Pendens
16 In Zernik"s moving papers he explained that Samaan's lis pendens is void and invalid
17 under Code of Civil Procedure section "+05.23 because Samaan has not demonstrated valid
18 service of the lis pendens by registered or cert~fied mail. return receipt requested as is
19 absolutely required by Code of Civil Procedure section 405.22.
20 In response, Samaan ohtained a declaration from her former attorney Jay R. Stein
21 wherein he declares that he served the Notice of Pendency of Action by Certified Mail.
II Stein Decl .. • 2. However. Mr. Stein did not serve it return receipt requested. In fact. even a
)'"
-j cursory examination of Exhibit A to his declaration (the Certi tied Mail Receipts) reveals that
2..+ he did not send these return receipt requested. Proof of the return receipt requestt:d is the
1- only true \\ay to kl1()\\ that the lis pendens '"vas properly served. Mr. Stein. hmH..'\ er. did not
-)
26 pay for this added expense. Because Samaan did not comply \v ith the serv'ice requirement of
27 the lis pendens statute the lis pendens is void and invalid. As a result. the Court should order
2X it expunged.
326 / 745 Reply Brief for Ylotion to Expunge Lis Pendens

Court File: "Volume IV Continued" -10- Case ~o. SC087~OO
c. Samaan Continues To Misrepresent the Terms of the Contract and the
!
Law In This Litigation
3 II In her opposition Samaan relics on Sinety iVine Investments. Ltd v. Overseas Courier
th
4 II Senice. 113 Ca1.App 4 I I 18 (2003) for the proposition that the seller's failure to comply
5 II with its escnm obligations prevented the escro\v from closing and the loans from funding by
(, II the closing elate. thereby excusing the buyer from performance by the closing date. Id at
7 111135-1136. HO\\ e\·er. the facts from Ninety /I/ine Inw'stmcnts. Ltd are easily
8 distinguishable.
9 In Sine{1.· Nine Investments. Ltd. the escrow instructions expressly stated that the
10 seller \\as "required to submit certain documents to escrow. These documents included the
)I Los Angeles city report of property records and pending special assessment liens, the rent
12 roll statement. an amendment for the 1031 exchange. Overseas' articles of incorporation. and
13 loan information." Id. at 1127. In that case. cscrm\ asked for a completed loan information
14 sheet and rent roll statements from the seller in order to prepare the estimated closing
15 statements. hut seller did not due so. "The rent roll statements and loan information were
16 needed by the eserow holder to prepare the estimated closing statements. which advised the
17 buyer of the exact amount necessary to deposit to close the escrows:' Id. at 1128. In other
18 words. escrow needed certain information from the seller so that it could advise the huyer as
19 to the proper amount to deposit into escrmv for closing costs.
20 lIere. the facts are vastly di fferent. Zernik had no obligation to deposit a signed
21 version ofSamaun '."I initial offer into escrow. At most he was required to deposit his signed
22 acceptance of Counter-Offer No.2. \vhich he did. In reality. Samaan had the obligation to
23 obtain a loan for the Property within seventeen days. Samaan has presented absolutely no
24 authority for her argument that "Defendant was required to deli\'Cr the fully executed
25 Purchase Agreement signed by him on page 8 of 8 and initiakd by him on every page. to the
26 parties' escrow agent on or before September 27.2005:' Opposition. p12: 1-3. In reality.
27 Zernik \\as never required to initial and sign page I through 8 of Samaan's initial offer. those
28 terms \\ere accepted \ ia Counter Offer No.2.
327 / 745 R.:ply Brief for \;lotion to Expunge Lis Pendens

-I 1- Case No. SC087400
D. Plaintiff Did Not Oppose the Requirement that She Post A Bond
')
As part of Defendants' moving papers he seeks the altcrnatin~ relief that if the
3 II Court denies his request to have the lis pendens expunged. that it order Samaan to post an
.-J. II undertaking as a condition of maintaining the lis pendens pursuant to Code of Civil
5 II Procedure section .-J.05.3.-J.. Samaan has submitted no opposition to this request motion.
6 II Therefore. in the event that the Court denies Zernik' s request to expunge the lis pendens
7 II n~corded on the Property he respectfully requests that he Court require Samaan to post an
8 II appropriate undertaking.
9 II IV. CONCLUSION
10 II Zernik respectfully requests that the court no longer permit Samaan to shift the focus
11 II off of the real issues in this case. The facts are simple: Samaan fraudulently induced Zernik
12 II to enter into a purported agreement to sell his home based on a prequali fication letter that
13 II indicated she had heen pre-approved for a loan \ve now know that she is not qualified to
I.-J. II ohtain. she then fai led to remove her loan contingency in a timely manner forcing Zernik to
15 II cancel the sale or his home. Now. nearly three years later. she still maintains a lis pendens
] 6 lion his home. effectively suffocating him financially.
17 II DATED: July 16.2007 Joseph Zernik
In Pro Per
18
19 (r"-'" ';
\
20 By:
21 Joseph Zernik
In Pro 'p-er
"''1
"--
23
2.-J.
')~
-)
26
27
28
328 / 745 Reply Brief for \lotion to Expunge Lis Pendens

-12- Case '\0. scosnoo
DECLARATION OF JOSEPH ZERNIK
J II l. JOSEPH 7ernik. hereby declare as follows.
3 1. I am the Defendant in Samaan \. Zernik. Los Angeles County Superior Court

-I- II Case NO, scmn -1-00. /\s such. I have personal kJ1()\\lcdge of the facts set forth herein which
5 II I k(1(m to he true and correct and. if called as a \\itness. I could and \\ould competently
6 II testify "ith respect thereto.

.., As a preliminary matter. I submit this reply declaration in support of my
7
8 II motion to expunge the lis pendens recorded on my real property commonly known as 320
9 II South Peck Drive. Be\'erly Hills. California 90212 (the "Property").
10 3. As a party to this action I have examined all of the discovery produced by

II II parties and non-parties in this case. No party or non-party. including Vidor Parks.
12 IICountrv"ide Ilo!11c Loans. Inc (and its affiliates). Mara Escrow Co .. Nivie Samaan or
13 II myself have ever produced a version of the purchase and sale agreement that \\as sent by
l-l II facsimile hy Mara Escrow or Victor Parks on October 22. 200-1- after 3:42 p.m.
15 -1-. I attended a portion of the deposition of Michael LihO\\ on March 30. 2007.
16 II Afterwards. I requested and received a copy of the Certified Transcript from Abrams. Mah &
17 II Kahn Reporting Service. Attached hereto as Exhibit L is a true copy of the follO\ving
18 II portions of Mr. Libow's deposition testimony: page 49. lines 16 through 24 and page 5]
I911Iines6-1-l.
20 ), I recall clearly. receiving tht: facsimile attached as Exhibit 3 to Nivie Samaan's
2l II declaration submitting in opposition to this motion. HO\vever. \\ hen [ originally reviewed
71 II this lacsimik. I distinctly recall that there were no handwritten notations on it. 80th Michael
23 II Lihm\ and I \\ere confused on hmv Samaan thought she could rcfuse to provide her check in
2-1- II a timely manner. The facsimile received by Michael LihO\\ does not bear an: hand\\Tlttcn
25 II notation. I pre\ iously pointed this adulterated document out to counsel for Samaan. Mac
26 II Kesha\arzi. \\hen I informed him of my intent to due a Code of Civil Procedure section
27 II 128.7 motion. ~everthekss. that document has been resubmitted to defraud me and the
28 II court.
329 / 745 Repl) Brief for \lotion to Expunge Lis Pendens

-13-
Court File: "Volume IV Continued" Case 0:0, 5C087400
6. In response to a subpoena I scncd on Country\\ide Home Loans. Inc. (and its
'1
affiliates). Countr) \\ide produced various documents. One of those documents \\ as a print
....
-) out from sma11pages.com. \\ hich indicated a reverse number look-up from October 6. 2004 .
..+ A true copy of the print-out from smartpages.com. produced by Country"ide. is attached
5 hereto as Exhibit f_. Again. this document was created b) Contrywide prior to the date
6 that Samaan claims she first submitted the loan. I met and conferred \vith Countrywide
7 regarding the issue of \vhen Samaan first submitted her loan application. each time
8 Countrywide represented. as does Samaan. that it was first submitted on October 12. 2004.
9 This document indicates othenvise.
10 I declare under penalty of perjury under the laws of the State of California that the
II foregoing is true and correct.
12 ~ E:ecuted on .Iuly -:h--. 2007. at Los Angdes. California.

13 ,-------....,
f
1..+ --r-~-
<'
--~-- - - - - - .. - - - - - - - -
L J~_~~ph Zernik
15
16
17
18
19
20
21
'1'1
23
2..+
j-
-)
26
27
28
330 / 745 Reply Brief for "lotion to Expunge Lis Pendens

Court File: "Volume IV Continued" -14- Case '\Jo. SC087-100
CERTIFiED COpy
NIVIE SAMAAN, an individual; )

)
Plaintiff, )
)
VS. ) Case No. SC 087400
)
JOSEPH ZERNIK, an individuali )
and DOES 1 through 10, inclusive, )
)
Defendants. )
)
-::-A~N=-D-:R::-:E=:LA=--=-=T=::E=-=D:--::C=-=R:-::O:-::S~S~-7A-=C':=T-=I07N~.---~-)
-----------------)
DEPOSITION OF MICHAEL LIBOW

MARCH 30, 2007
AiMfK
ABRAMS, MAH &KAHN
REPORTING SERVICE
~
Reported By: Laury Wasoff 4101 Birch Street· Suite 130

CSR No. 10995 Newport Beach· California 92660
949-26l-8686 • 800-622{)226
File No.: 24200
331 / 745
Samaan \, Zcrnik 'vI ichae; Libo\\ -' 302007
Page 49
1 ~e~ wne~ you ca~led to congra~ulate her Lhat night?

~
L ,~ ~'Jo .
"J (,
Y.. Do yo~ recall where yeu were when you called
4 her? Were you at your house?
5 A My office.
6 Q Your private office?
'I
I l\ Uh-huh.
8 Q Where is your private office? At home?
9 A No. In the office. I mean -- sorry. In the
10 larger office.
11 Q Okay. Do you remember having 2 phone
12 conversation with her the next morning?
13 A Nc.
14 Q You didn't have one or you don't recall?
IS A I don't recall.
16 (2 Do you remember Ms. Samaan telling you that
17 n~ght that she was going out of town and she needed the
18 acceptance date to be moved from September -- from the
19 date they were accepting to another date?
20 l\ How do you move an acceptance date?
21 Q To have it moved to be another date so the
22 deadline for the contingencies would run froIT a
23 different date.
24 F" No. ~ou can't move an acceptance date.
"c,
c!..v ('
y
LI. " "
""i1 ' h t.
rlg Well, let's look at another
Abrams, \1ah & Kahn Reporting Service

SOO 622-0:226
332 / 745
Salll8an \. 7<.'rnik ;"lichaei LihO'\ 3 30::'007
P8ge 5 J
1 co~versation yesterday, the acceptance date

2 ~ust start September 23 when I retLrn.
3 Otherwise I will not be able to IT,eet the ~erms
4 of (he purchase agreement."
5 tvlR. SHULKIN: So what is the ouestion?
6 Q BY MR. KESHAVARZT: The question is do you

8 A About the acceptance date?
9 Q Yes.
10 A Yes.
11 Q What do you remember from the conversation?
12 A I would have said as a licensee we can't make
13 decisions for our clients and you can't change an
~4 acceptance date.
15 Q You would have said that or you said that?
16 A I would have said that. I don't know if I did
17 say that.
18 c Did you discuss this -- well, let's clarify

19 here.
20 So you tave a recol:ection of having a
21 discussion with ~s. Samaan about moving the acceptance
22 elate to C:;3P'-LP.,'o~"r
"-"'....- _.I.'l. '_
? <?
'--' ...-./ •
;--.:<
~J
."
1" = remember her sayi~g she needed ~ore time on
24 the contingency, not specifical~y acceptance date.
/ c,
'-- J You're putting this in front of me. --:- 1
..L
~
m see.u.gy""\
Abrams. 'vlah & Kahn Reporting Service

800622-0226
333 / 745
1 STATE Or ~IFORNIA
4 No. 10995, declare:
5 That prior to being examined, the witness named in
6 the foregoing deposition was by me duly sworn to testify
7 to the truth, the whole truth, and nothing but the
8 truth;
9 That said deposition was taken before me at the time
10 and place therein set forth and was taken down by me in
11 shorthand and thereafter transcribed under my direction
13 deposition is a true and correct transcript of my
14 shorthand notes so taken.
15 I further declare that I am neither counsel for nor
16 related to any party to said action nor in any way
17 interested in the outcome thereof.
18 I declare under penalty of perjury under the laws of
2.9 the State of California that the foregoing is true and
20 correct.
21 In witness whereof, I have hereunto subscribed my
~u)M11r
23
24
25
ABRAMS, MAR & KAHN 162
334 / 745
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http;//www.smartpages.comldirectory/seilrch.jhtml~sessionid=EUKVINN5DQOC5QFI4GDA4CQ?QueryType=2&QueryString... 10/6/2004
335 / 745
Scherr Law A
Professional
Corporation
PROOF OF SERVICE
/ STATE OF CALIFORNIA. COUNTY OF LOS ANGELES.
-,
-' I am employed in the County of Los Angeles. State of California. I am over the age
of 18 and not a party to the within action: my business address is 12100 Wilshire Boulevard.
4 Suite 800. Los Angeles. California 90025.
5 On July 16. 2007. I served the foregoing document described as DEFENDANT
JOSEPH ZERNIK'S REPLY MEMORANDUM OF POINTS AND AUTHORITIES
6
IN SCPPORT OF i\IOTION TO EXPUNGE LIS PEVDEVS on the interested partics in
7 this action h) placing a true copy thereof enclosed in a scaled enn:lope addressed to:
8 Moe Keshavarzi Rohert J. Shulkin

Sheppard Mullin et al LLPth Coldwell Banker Legal 1h
9 333 South Hope Street 48 Floor 1161 I San Vicente Boulevard. 9 Floor
Los Angeles. California 90071 Los Angeles. California 90049
10
II
12
~ BY MAIL: I caused such envelope to be deposited in the mail at Los Angeles.
Calil~)rnia. The envelope was mailed with postage thereon fully prepaid. r am readily
familiar \vith the firm's practice of collection and processing correspondence for
13 mailing. It is deposited With the United States Postal Service on that same day in the
14
15
D BY PERSONAL SERVICE: I caused such envelope to be personally delivered by
hand to the offices of the addressee.
16 D BY FEDERAL EXPRESS: The Federal Express package. tracking number for this
envelope is ~ . and the envelope was sent Gnode I for receipt
17 on l day]. IdateT
18 D BY r ACSIMILE MACHINE: The above-referenced document was transmitted hy

facsimile transmission and said transmission \vas reported as complete and without
19 error.
20 Executed on July 16.2007. at Los Angeles. California.
21
~ (State) I declare under penalty of pe~iury under the la\\s of the State of California
II
/-' ,/
--'
-, t \ : ,
24 : I
i." \. ~.
)~;t{.
.\} :t.- 'ex..
25
\j Lilit Vonlonion
26
27
28
336 / 745
SUPERIOR COLrtT OF CALIFORNIA, COUNTY OF LOS ANGELES
I),\TI 07/12/07 DEIYf. WEI

IlO\;OR.\BLE JACQUELINE A. CONNOR llDGEl1 V. JAIME DEPLTl CLERK
IIO\;OR,\BLE lL'DGE PRO TH! ELECTRO\;IC RECORDI\;G \!O~ITOR
#11
B. VARGAS CA D~put, Sherlffll L. McKENZIE CSR#5567 Reporter
8:30 amlSC087400 PlaJlluff

INIVIE SAMAAN
VS Defendant JEHAN N. JAYAKUMAR (X)
JOSEPH ZERNIK (X) Counsel SPECIALLY APPEARING

PLAINTIFF (NIVIE SAMAAN) MOTION TO COMEPL DEPOSITION;

PLAINTIFF (NIVIE SAMAAN) MOTION TO DEEM REQUEST FOR
ADMISSION ADMITTED:
Matters are called for hearing.

Counsel acknowledge receipt of the Court's
tentataive ruling and the submit on the tentative.
Counsel represent the deposition of Joseph Zernik
will be completed on July 20, 2007 at 10:00 a.m. at
the Plaintiff's Law Offices located at 333 South
Hope Street, Los Angeles.
Accordingly, the Court adopts Its tentative ruling
as the final order of the Court as follows:
The parties are ordered to meet and confer to select
a mutually agreeable date before July 20, 2007. The
date selected may only be changed or altered by
Court order. The motion of plaintiff Nivie Samaan to
compel the deposition of Joseph Zernik is off
calendar as MOOT. The request for monetary sanctions
is DENIED.
The motion of plaintiff Nivie Samaan to deem
Requests for Admission admitted is DENIED. Any
request for monetary sanctions is DENIED.
MINUTES ENTERED
COUNTY CLERK
337 / 745
SUPERIOR COLJ.iT OF CALIFORNIA, COUNTY OF LOS ANGELES
DATE 07/12/07 DEYf. WEI

1I0:'\OR:\BLE JACQUELINE A. CONNOR lCDGEl1 V. JAIME DEPtT{ CLERK
HO~OR.\BLE H'DGE PRO TE\I ELECTRO:,\!C RECORDI:'\G \IO\;ITOR

#11
B. VARGAS CA Deputy Silenttll L. McKENZ IE CSR#5567 Rel'<lrtrr
8:30 amlSC087400 PIJlntitf

C<lunsel MOE KESHAVARZI (X)
NIVIE SAMAAN
JOSEPH ZERNIK (X) C,Hlmei SPECIALLY APPEARING

The original trial date in this case was July 13,

2007 and was continued twice to August 10, 2007 and
then to September 7, 2007. The Court orders did not
include a continuance of the discovery and motion
cut-off dates. However, in light of Dr. Zernik's own
conduct resulting in delays of his deposition, the
Court finds that he is estopped from relying on the
cut-off dates to oppose these motions. (Sears,
Roebuck & Co. v. National Union Fire Ins. Co. of
Pittsburgh (2005) 131 Cal.App.4th 1342, 1351;
Cuadros v. Superior Court (1992) 6 Cal.App.4th 671,
675.) An abuse of discretion standard applies to
this issue and, under the substantial evidence
rules, the Court resolves all evidentiary conflicts
in plaintiff's favor. (Id.) Therefore, the argument
that these motions were filed in violation of the
discovery and motion cut-off dates is rejected.
Starting with a date on February 14, 2007, Dr.
Zernik's deposition was canceled and rescheduled
several times for several reasons, including giving
Dr. Zernik additional time to retain new counsel, a
schedule conflict for Mr. Keshavarzi, Mr.
Keshavarzi's illness, etc. At no time was a
deposition set to go forward on a particular date
with Dr. Zernik simply failing to appear. The
parties are simply at an impasse in selecting a
mutually agreeable date for the deposition. The
Court orders that the parties meet and confer to
MINUTES ENTERED
COUNTY CLERK
338 / 745
SUPERIOR COu.1T OF CALIFORNIA, COUNTY OF LOS ANGELES
DATE 07/12/07 DEPT. WEI

I!O'.;ORABLE JACQUELINE A. CONNOR llDGEl1 V. JAIME DEPlTY Cl.ERK
HO:--'ORABLE lLDGE PRO TE:VI ELECTRO'.; IC RECORDI"iG :VI 0:--' ITOR

#11
B. VARGAS CA DeptH} Sherlttll L. McKENZIE CSR#5567 Reportt.'r
8:30 amlSC087400 Plalrllift

NIVIE SAMAAN
JOSEPH ZERNIK ( X) Counsel SPECIALLY APPEARING

select a mutually agreeable date before July 20,

2007. The date selected can only be changed or
altered by Court order and the motion to compel the
deposition of Joseph Zernik will be taken off
calendar as MOOT. Any request for monetary sanctions
is denied in any event due to the circumstances on
both sides that delayed or altered the previously
selected deposition dates.
Regarding the motion to Deem Requests for Admission
Admitted, Dr. Zernik's argument that he was not
properly served with the RFAs fails in light of the
fact that he did, in fact, receive the documents and
failed to seek a Court order quashing service of the
requests. By failing to timely respond to the
requests, Dr. Zernik has waived all objections to
the requests. (Code of Civil Procedures
§2033.280(a).) Two proofs of service were attached
to the RFAs, showing that they were served
personally and by mail on May 14, 2007. The last
proof of service showed service by mail. Dr. Zernik
states that he mistakenly relied on the mailed
service in determining the deadline for the
responses, which would have been June 18, 2007, the
date the first responses were served. Under the
circumstances, the Court finds that this constitutes
a "mistake" for purposes of granting relief from
waiver.
Regarding the question whether Dr. Zernik has served
MINUTES ENTERED
COUNTY CLERK
339 / 745
SUPERIOR COurtT OF CALIFORNIA, COUNTY OF LOS ANGELES
DATE 07/ 12 / 07 DEIT. WEI

1I0:\ORA13LE JACQUELINE A. CONNOR lCDGEl1 V. JAIME DEPl'TY CLERK
IfO:'-iORABLE lCDGE PRO TE\! ELECTRO:\IC RECORDI1\G MO:'-iITOR

#11
B. VARGAS CA Deputy Sheriffll L. Mc KENZ I E CSR#5567 Reporter
8:30 amlSC087400 Plall1t1ff

NIVIE SAMAAN
JOSEPH ZERNIK ( X) Counsel SPECIALLY APPEARING

a response in substantial compliance with Code of

Civil Procedures §2033.240, pursuant to Code of
Civil Procedures §2033.240, responses shall be as
complete and straightforward as possible as the
information reasonably available to the responding
party permits and must contain an admission, denial
or statement claiming an inability to admit or deny.
The Court finds that Zernik's amended responses,
while not ideal, are in substantial compliance with
these requirements. If plaintiff believes that the
responses are deficient, she may move for an order
compelling a further response.
The motion to deem the RFAs admitted is DENIED.
Requests for monetary sanctions are denied because
if a request for sanctions is included in a
discovery motion, the notice of motion must contain
a request for sanctions and must name all parties
and attorneys against whom sanctions are being
sought, specify the type of sanction sought, and
cite the authority for such sanctions. (Code of
civil Procedures §2023.040.) The notice of motion
here does not mention monetary sanctions.
Counsel for Defendant is ordered to given notice of
the Court's ruling.
Defendant files an affidavit pursuant to Code of
Civil Procedures Section 170.3 in open Court.
MINUTES ENTERED
COUNTY CLERK
340 / 745
SUPERIOR COu.1T OF CALIFORNIA, COUNTY OF LOS ANGELES

HO!\ORABLE JACQUELINE A. CONNOR ll"DGEII V. JAIME DEPl"TY CLERK
HO"'ORABLE leDGE PRO TE~I ELECTRO'-:!C RECORDI'-:G ~IO:--iITOR

#11
B. VARGAS CA Deputy Sherlffll L. McKENZIE CSR#5567 Rep"rter
8:30 amlSC087400 Pia Jrlll tf

C"unsel MOE KESHAVARZI (X)
NIVIE SAMAAN
VS DeknJal1! JEHAN N. JAYAKUMAR (X)
JOSEPH ZERNIK (X) C"unsel SPECIALLY APPEARING

OFF THE RECORD IN CHAMBERS:

The Court reads and considers the affidavit filed
this date.
ON THE RECORD:
The Court finds the Affidavit pursuant to 170.3 of
the Code of Civil Procedures filed this date, is
incorrect and announces it will be ruled upon as an
Affidavit pursuant to 170.6 of the Code of Civil
Procedures and is DENIED as untimely.
The Court's order is as follows:
Defendant Joseph Zernik has filed a pleading as
opposition to a motion with purports to include a
statement of disqualification for cause pursuant to
Code of Civil Procedure section 170.3, contending
that the assigned judge is biased. The pleading
may also be intended as a peremptory challenge
pursuant to Code of civil Procedure section 170.6.
To the extent that the pleading is intended as a
peremptory challenge pursuant to Code of civil
Procedure section 170.6, it is untimely as this
matter is assigned to the undersigned for all
purposes, and the motion was not filed within
fifteen days of the defendant's appearance as
mandated by that section and Local Rule 7.5(a) The
MINUTES ENTERED
COUNTY CLERK
341 / 745
SUPERIOR COUlt T OF CALIFORNIA, COUNTY OF LOS ANGELES
DATE 07/ 12 / 0 7 DEPT. WEI

1I0VJR\BLE JACQUELINE A. CONNOR JLDGEII V. JAIME DEPlTY CLERK
IIO"OR.\BLE HDGE PRO TE~I ELECTRO:\IC RECORDI:\G \lO~ITOR

#11
B. VARGAS CA DepUI:SlJenttll L. McKENZIE CSR#5567 R~!1{lrtcr
8:30 amlSC087400 Pla1I1t1tl

C,Hlmel MOE KESHAVARZI (X)
NIVIE SAMAAN

motion is also not in a sufficient or proper form.

To the extent the pleading is intended as a
statement of disqualification for cause, it is
difficult to discern what the contentions are that
form the basis for disqualification for cause. The
rambling pleading complains primarily of acts of
others than the judge. As best as can be discerned,
disqualification is sought on the basis of
defendant's opinion and disagreement with the
court's rulings. The pleading is also in improper
form, as such a statement should be separate and not
included within another pleading. McCaratney v.
Superior Court (1990) 223 Cal.app.3d 1334, 1340.
In any event, the pleading demonstrates on its face
no legal grounds for disqualification. It is
stricken pursuant to Code of Civil Procedure section
170.4, subdivision (b).
Code of Civil Procedure section 170.3(c) (1) requires
that the disqualification statement set forth "the
facts constituting the grounds" for disqualification
of the judge. Mere conclusions of the pleader are
insufficient. In re Morelli (1970) 11 Cal.App.3d
819, 843; Urias v. Harris Farms, Inc. (1991) 234
Cal.App.3d 415, 426.
The statement of disqualification cannot be based
upon information and belief, hearsay, or other
MINUTES ENTERED
COUNTY CLERK
342 / 745
SUPERIOR COUlt T OF CALIFORNIA, COUNTY OF LOS ANGELES
DATE 0 7 / 12 / 07 DEIYf'. WEI

I-lO:\ORABLE JACQUELINE A. CONNOR leDGEl1 V. JAIME DEPCTY CLERK
IIO:\ORABLE lCDGE PRO TE\\ ELECTRO:"IC RECORDI:"G \IOt"'rrOR

#11
B. VARGAS CA Deputy Sherlffll L. McKENZIE CSR#5567 Reponer
8:30 amlSC087400 Plalntlff

NIVIE SAMAAN
VS Defendan[ JEHAN N. JAYAKUMAR (X)

~ATURE OF PROCEEDINGS:
inadmissible evidence. See United Farm Workers of

America, AFL-CIO v. Superior Court (1985) 170
Cal.App.3d 97, note 6 at 106 (disqualification
cannot be based upon hearsay or other inadmissible
evidence). Cf., Anastos v. Lee (2004) 118
Cal.App.4th 1314, 1319 (declarations in support of a
Code of Civil Procedure section 473 motion must
include proper foundation, i.e., personal
knowledge.)
A party's belief as to a Judge's bias and prejudice
is irrelevant and not controlling in a motion to
disqualify for cause, as the test applied is an
objective one. United Farm Workers of America v.
Superior Court (1985) 170 Cal.App.3d 97, 104;
Stanford University v. Superior Court (1985) 173
Cal.App.3d 403, 408 (lithe litigants' necessarily
partisan views do not provide the applicable frame
of reference. II
Rulings and findings do not constitute a valid basis

for disqualification. As stated by the California
Supreme Court in People v. Guerra (2006) 37 Cal. 4th
1067, 1112, "a trial court's numerous rulings
against a party--even when erroneous--do not
establish a charge of judicial bias, especially when
they are subject to review. II
Conclusion
MINUTES ENTERED
COUNTY CLERK
343 / 745
SUPERIOR COUll r OF CALIFORNIA, COUNTY 0F LOS ANGELES
DATE 07/12/07 DEIYf. WEI

1I0:-':ORABLE JACQUELINE A. CONNOR JlDGEl1 V. JAIME DEPl'TY CLERK
!lONORABLE Jl'DGE PRO TE~I f'LECTRO\'IC RECORDI:"iG \IONITOR

#11
B. VARGAS CA Deputy Sheriff II L. McKENZIE CSR#5567 Reporter
8:30 amlSC087400 PlaIntitl

NIVIE SAMAAN

To the extent the pleading is intended as a motion

pursuant to Code of Civil Procedure section 170.6,
it is denied as untimely and not in proper form. To
the extent the pleading is intended as a verified
statement of disqualification pursuant to Code of
Civil Procedure section 170.3, it is stricken
pursuant to Code of Civil Procedure section 170.4,
subdivision (b) on the grounds that it demonstrates
on its face no legal grounds for disqualification.
The parties are reminded that this determination of
the question of the disqualification is not an
appealable order and may be reviewed only by a writ
of mandate from the Court of Appeal sought within 10
days of notice to the parties of the decision. In
the event that a timely writ is sought and an
appellate court determines that an answer should
have been timely filed, such an answer is filed
herewith. See PBA, LLC v. KPOD, LTD (2003) 112
Cal.App.4th 965, 972; accord, Fine v. Superior
Court(2002) 97 Cal.App.4th 651, fn. 3 at 658.
GOOD CAUSE APPEARING THEREFORE, It is so ordered.
Date: JULY 12, 2007
Hon. Jacqueline A. Connor
Judge of the Superior Court
Verified Answer of Jacqueline A. Connor
MINUTES ENTERED
COUNTY CLERK
344 / 745
SUPERIOR COunT OF CALIFORNIA, COUNTY OF LOS ANGELES
DATE 07 / 12 / 07 DEPT. WEI

HOr\ORABLE JACQUELINE A. CONNOR JeDGEl1 V. JAIME DEPL'TY CLERK
IIO',:OR,\BLf ll'DGE PRO 1'E\1 E1ECTRO:-':IC RECORDI:-':C; \lO',:I1'OR

#11
B. VARGAS CA Deputy SherIffll L. McKENZIE CSR#5567 Repuner
8:30 am!SC087400 Plaintiff

Counsd MOE KESHAVARZI (X)
NIVIE SAMAAN

NATliRE OF PROCEEDINGS:
I, Jacqueline A. Connor, declare:

1. I am a Judge of the Superior Court and as
such have been assigned to preside over this case.
2. I am not prejudiced or biased against or
in favor of any party to this proceeding or their
counsel.
3. All rulings made by me in this action have
been based upon facts and arguments officially
presented to me and upon my understanding of the
law. My statements and rulings are set forth in the
records and the files herein, which are the best
evidence hereof. To the extent the moving party's
statement of those rulings and statements are
inconsistent therewith, they are denied.
4. All statements made by me and all actions
taken by me in this proceeding have been done in
furtherance of what I believe were my judicial
duties.
5. I know of no facts or circumstances which
would require my disqualification or recusal in this
case.
I declare under penalty of perjury that the
foregoing is true and correct and of my own personal
knowledge, except as to those matters stated to be
on my information and belief, and as to those
matters, I believe them to be true. Executed this
12th day of July, 2007, at SANTA MONICA, California.
MINUTES ENTERED
COUNTY CLERK
345 / 745
SUPERIOR COurtT OF CALIFORNIA, COUNTY OF LOS ANGELES
DATE 07/ 12 / 07 DEPT. WEI

HO;-";ORAHLE JACQUELINE A. CONNOR leDGEl1 V. JAIME DEPtTY CLERK
HO:\ORABLE HODGE PRO TE\I ELECTRO:\IC RECORDI:\G \IO:'-<ITOR

#11
B. VARGAS CA D~put) Sh~nftll L. McKENZIE CSR#5567 Reporter
8:30 amlSC087400 Plallltiff

NIVIE SAMAAN
VS Ddendant JEHAN N. J AYAKUMAR (X )

Jacquellne A. Connor
The original Order and verified Answer as stated
above is signed and filed this date.
A conformed copy of the order Denying Peremptory
Challenge and Striking Statment of Disqualification
and Verified Answer of Jacqueline A. Connor are
mailed this date via U.S. MAIL to the Defendant,
JOSEPH ZERNIK addressed as follows:
JOSEPH ZERNIK, DMD,PhD

DEFENDANT INPROPRIA PERSONA
320 SOUTH PECK DRIVE
BEVERLY HILLS, CALIFORNIA 90212
MINUTES ENTERED
COUNTY CLERK
346 / 745
SUPERIOR COLH'iT OF CALIFORNIA, COUNTY OF LOS ANGELES
DATE. 07/12/07 DEPT. WEI

1I0\:ORABLE JACQUELINE A. CONNOR HOGEII V. JAIME DEPL'TY CLERK
HOi'\OR.\BLE JlDGE PRO THI ELECTRO\:IC RECORD!:"iG \IONITOR

#11
B. VARGAS CA Depu\> Shentlll L. McKENZIE CSR#5567 Reporter
8:30 amlSC087400 Pia IIlti tf

Coullsel MOE KESHAVARZI (X)
NIVIE SAMAAN
VS Defendall[ JEHAN N. JAYAKUMAR (X)

PLAINTIFF (NIVIE SAMAAN) MOTION TO COMEPL DEPOSITION;

PLAINTIFF (NIVIE SAMAAN) MOTION TO DEEM REQUEST FOR
ADMISSION ADMITTED:
Matters are called for hearing.

Counsel acknowledge receipt of the Court's
tentataive ruling and the submit on the tentative.
Counsel represent the deposition of Joseph Zernik
will be completed on July 20, 2007 at 10:00 a.m. at
the Plaintiff's Law Offices located at 333 South
Hope Street, Los Angeles.
Accordingly, the Court adopts Its tentative ruling
as the final order of the Court as follows:
The parties are ordered to meet and confer to select
a mutually agreeable date before July 20, 2007. The
date selected may only be changed or altered by
Court order. The motion of plaintiff Nivie Samaan to
compel the deposition of Joseph Zernik is off
calendar as MOOT. The request for monetary sanctions
is DENIED.
The motion of plaintiff Nivie Samaan to deem
Requests for Admission admitted is DENIED. Any
request for monetary sanctions is DENIED.
MINUTES ENTERED
COUNTY CLERK
347 / 745
SUPERIOR COLJdT OF CALIFORNIA, COUNTY OF LOS ANGELES
DATE 07 / 12 / 07 DEPT. WEI

HO:'\ORABLE JACQUELINE A. CONNOR JCDGEII V. JAIME DEPlTr' CLERK
JlOI\ORABLE leDGE PRO TEM ELECTRO:,\IC RECORDI:'\G \W'JITOR

#11
B. VARGAS CA D~pu[ySherittll L. McKENZIE CSR#5567 Repprter
1
8:30 amlSC087400 PlallHlff
NIVIE SAMAAN

The original trial date in this case was July 13,

2007 and was continued twice to August 10, 2007 and
then to September 7, 2007. The Court orders did not
include a continuance of the discovery and motion
cut-off dates. However, in light of Dr. Zernik's own
conduct resulting in delays of his deposition, the
Court finds that he is estopped from relying on the
cut-off dates to oppose these motions. (Sears,
Roebuck & Co. v. National Union Fire Ins. Co. of
Pittsburgh (2005) 131 Cal.App.4th 1342, 1351;
Cuadros v. Superior Court (1992) 6 Cal.App.4th 671,
675.) An abuse of discretion standard applies to
this issue and, under the substantial evidence
rules, the Court resolves all evidentiary conflicts
in plaintiff's favor. (Id.) Therefore, the argument
that these motions were filed in violation of the
discovery and motion cut-off dates is rejected.
Starting with a date on February 14, 2007, Dr.
Zernik's deposition was canceled and rescheduled
several times for several reasons, including giving
Dr. Zernik additional time to retain new counsel, a
schedule conflict for Mr. Keshavarzi, Mr.
Keshavarzi's illness, etc. At no time was a
deposition set to go forward on a particular date
with Dr. Zernik simply failing to appear. The
parties are simply at an impasse in selecting a
mutually agreeable date for the deposition. The
Court orders that the parties meet and confer to
MINUTES ENTERED
COUNTY CLERK
348 / 745
SUPERIOR COlh1T OF CALIFORNIA, COUNTY OF LOS ANGELES
1),\Il: 07/12/07 DEPT. WEI

lI()~()R\BLE JACQUELINE A. CONNOR JCDGEII V. JAIME DEPlTY CLERK
H()~ORA13LE JlDGE PRO 1'E\1 ELEC1'RO"IC RECORDING MO~I1'OR

#11
B. VARGAS CA Deput) Sheritlll L. McKENZIE CSR#5567 Rep"ner
8:30 amlSC087400 Plaintiff

Coun,el MOE KESHAVARZI (X)
NIVIE SAMAAN

select a mutually agreeable date before July 20,

2007. The date selected can only be changed or
altered by Court order and the motion to compel the
deposition of Joseph Zernik will be taken off
calendar as MOOT. Any request for monetary sanctions
is denied in any event due to the circumstances on
both sides that delayed or altered the previously
selected deposition dates.
Regarding the motion to Deem Requests for Admission
Admitted, Dr. Zernik's argument that he was not
properly served with the RFAs fails in light of the
fact that he did, in fact, receive the documents and
failed to seek a Court order quashing service of the
requests. By failing to timely respond to the
requests, Dr. Zernik has waived all objections to
the requests. (Code of civil Procedures
§2033. 280 (a) .) Two proofs of service were attached
to the RFAs, showing that they were served
personally and by mail on May 14, 2007. The last
proof of service showed service by mail. Dr. Zernik
states that he mistakenly relied on the mailed
service in determining the deadline for the
responses, which would have been June 18, 2007, the
date the first responses were served. Under the
circumstances, the Court finds that this constitutes
a "mistake" for purposes of granting relief from
waiver.
Regarding the question whether Dr. Zernik has served
MINUTES ENTERED
COUNTY CLERK
349 / 745

IIO;-..JORAHLE JACQUELINE A. CONNOR JL"DGEII V. JAIME DEPL"TY CLERK
IIO;-;ORABLE Jl"DGE PRO TEyl ELECTRO'.;rc RECORDI'.;C; MO:--JlTOR

#11
B. VARGAS CA Depu[y Sheriffll L. McKENZIE CSR#5567 Reporter

NIVIE SAMAAN
JOSEPH ZERNIK (X) Counsc! SPECIALLY APPEARING

a response in substantial compliance with Code of

Civil Procedures §2033.240, pursuant to Code of
Civil Procedures §2033.240, responses shall be as
complete and straightforward as possible as the
information reasonably available to the responding
party permits and must contain an admission, denial
or statement claiming an inability to admit or deny_
The Court finds that Zernik's amended responses,
while not ideal, are in substantial compliance with
these requirements. If plaintiff believes that the
responses are deficient, she may move for an order
compelling a further response.
The motion to deem the RFAs admitted is DENIED.
Requests for monetary sanctions are denied because
if a request for sanctions is included in a
discovery motion, the notice of motion must contain
a request for sanctions and must name all parties
and attorneys against whom sanctions are being
sought, specify the type of sanction sought, and
cite the authority for such sanctions. (Code of
Civil Procedures §2023.040.) The notice of motion
here does not mention monetary sanctions.
Counsel for Defendant is ordered to given notice of
the Court's ruling.
Defendant files an affidavit pursuant to Code of
Civil Procedures Section 170.3 in open Court.
MINUTES ENTERED
COUNTY CLERK
350 / 745
SUPERIOR COu.1T OF CALIFORNIA, COUNTY OF lOS ANGELES
DATE 07/ 12 / 0 7 DEPT. WEI

H01\OR:\BLE JACQUELINE A. CONNOR Jl'DGEII V. JAIME DEPt'TI CLERK
IIO'iORABLE Jl'DGE PRO TEM ELECTRCl\.;!C RECORDJ\.;G \IClNITClR

#11
B. VARGAS CA Deputy Sherlffll L. McKENZIE CSR#5567 Rep"rrer

C"unsel MOE KESHAVARZI ( X)
NIVIE SAMAAN
VS Defendanr JEHAN N. JAYAKUMAR (X)
JOSEPH ZERNIK (X) C"unscl SPECIALLY APPEARING

OFF THE RECORD IN CHAMBERS:

The Court reads and considers the affidavit filed
this date.
ON THE RECORD:
The Court finds the Affidavit pursuant to 170.3 of
the Code of Civil Procedures filed this date, is
incorrect and announces it will be ruled upon as an
Affidavit pursuant to 170.6 of the Code of Civil
Procedures and is DENIED as untimely.
The Court's order is as follows:
Defendant Joseph Zernik has filed a pleading as
opposition to a motion with purports to include a
statement of disqualification for cause pursuant to
Code of Civil Procedure section 170.3, contending
that the assigned judge is biased. The pleading
may also be intended as a peremptory challenge
pursuant to Code of Civil Procedure section 170.6.
To the extent that the pleading is intended as a
peremptory challenge pursuant to Code of Civil
Procedure section 170.6, it is untimely as this
matter is assigned to the undersigned for all
purposes, and the motion was not filed within
fifteen days of the defendant's appearance as
mandated by that section and Local Rule 7.S(a) The
MINUTES ENTERED
COUNTY CLERK
351 / 745
SUPERIOR COu.t T OF CALIFORNIA, COUNTY OF LOS ANGELES
D"'fE 0 7 / 12 / 0 7 DEfYf. WEI

I!ONOR,\RLE JACQUELINE A. CONNOR Jl'DGEII V. JAIME DEPl'TY CLERK
1I0"iORABI.E leDGE PRO Tn! ELECTRO:\IC RECORDfNG MO:'iITOR

#11
B. VARGAS CA D~puty Shenffll L. McKENZIE CSR#5567 R~p(1rter
8:30 amlSC087400 PlauHltf

C"lInse! MOE KESHAVARZI (X)
NIVIE SAMAAN
JOSEPH ZERNIK (X) C"lInsel SPECIALLY APPEARING
\CCP 170.6 - JUDGE NEIDORF
To the extent the pleading is intended as a

statement of disqualification for cause, it is
difficult to discern what the contentions are that
form the basis for disqualification for cause. The
rambling pleading complains primarily of acts of
others than the judge. As best as can be discerned,
disqualification is sought on the basis of
defendant's opinion and disagreement with the
court's rulings. The pleading is also in improper
form, as such a statement should be separate and not
included within another pleading. McCaratney v.
Superior Court (1990) 223 Cal.app.3d 1334, 1340.
In any event, the pleading demonstrates on its face
no legal grounds for disqualification. It is
stricken pursuant to Code of Civil Procedure section
170.4, subdivision (b).
Code of civil Procedure section 170.3(c) (1) requires
that the disqualification statement set forth "the
facts constituting the grounds" for disqualification
of the judge. Mere conclusions of the pleader are
insufficient. In re Morelli (1970) 11 Cal.App.3d
819, 843; Urias v. Harris Farms, Inc. (1991) 234
Cal.App.3d 415, 426.
The statement of disqualification cannot be based
jupon information and belief, hearsay, or other
MINUTES ENTERED
COUNTY CLERK
352 / 745
SUPERIOR COUI\ T OF CALIFORNIA, COUNTY OF LOS ANGELES
DATE 0 7 / 12/ 0 7 DEPT. WEI

HO:--;ORABLE JACQUELINE A. CONNOR JlDGEl1 V. JAIME DEPCTY CLERK
HO:--;ORM3LE Jl:DGE PRO TE~l ELECTRO"']C RECORDI:'JG \10~ITOR

#11
B. VARGAS CA Deputy Sheriff L. McKENZIE CSR#5567 Reponer
8:30 amjsc087400 Pia lfltl ff

I
NIVIE SAMAAN
VS Defendanl JEHAN N. JAYAKUMAR (X)

inadmissible evidence. See United Farm Workers of

America, AFL-CIO v. Superior Court (1985) 170
Cal.App.3d 97, note 6 at 106 (disqualification
cannot be based upon hearsay or other inadmissible
evidence). Cf., Anastos v. Lee (2004) 118
Cal.App.4th 1314, 1319 (declarations in support of a
Code of Civil Procedure section 473 motion must
include proper foundation, i.e., personal
knowledge. )
A party's belief as to a Judge's bias and prejudice
is irrelevant and not controlling in a motion to
disqualify for cause, as the test applied is an
objective one. United Farm Workers of America v.
Superior Court (1985) 170 Cal.App.3d 97, 104;
Stanford University v. Superior Court (1985) 173
Ca1.App.3d 403, 408 ("the litigants' necessarily
partisan views do not provide the applicable frame
of reference."
RUlings and findings do not constitute a valid basis
for disqualification. As stated by the California
Supreme Court in People v. Guerra (2006) 37 Cal. 4th
1067, 1112, "a trial court's numerous rulings
against a party--even when erroneous--do not
establish a charge of judicial bias, especially when
they are subject to review."
Conclusion
MINUTES ENTERED
Page 7 of 10 DEPT. 'wEI 07/12/07
COUNTY CLERK
353 / 745
SUPERIOR COUll r OF CALIFORNIA, COUNTY lJF LOS ANGELES
/JAW 0 7 / 12 / 07 DEPT. WEI

1I0:'\ORABLE JACQUELINE A. CONNOR lLDGEl1 V. JAIME DEPLTY CLERK
IIO)\;OR,\BLE lLDGE PRO TE\1 ELFCTRO:\IC RECORDl:"G \lONITOR

#11
B. VARGAS CA Deputy Sheriffll L. McKENZIE CSR#5567 Reporter
8:30 am SC087400 Plall1lJff

NIVIE SAMAAN
VS Defendanr JEHAN N. JAYAKUMAR (X)

To the extent the pleading is intended as a motion

pursuant to Code of civil Procedure section 170.6,
it is denied as untimely and not in proper form. To
the extent the pleading is intended as a verified
statement of disqualification pursuant to Code of
Civil Procedure section 170.3, it is stricken
pursuant to Code of civil Procedure section 170.4,
subdivision (b) on the grounds that it demonstrates
on its face no legal grounds for disqualification.
The parties are reminded that this determination of
the question of the disqualification is not an
appealable order and may be reviewed only by a writ
of mandate from the Court of Appeal sought within 10
days of notice to the parties of the decision. In
the event that a timely writ is sought and an
appellate court determines that an answer should
have been timely filed, such an answer is filed
herewith. See PBA, LLC v. KPOD, LTD (2003) 112
Cal.App.4th 965, 972i accord, Fine v. Superior
Court(2002) 97 Cal.App.4th 651, fn. 3 at 658.
GOOD CAUSE APPEARING THEREFORE, It is so ordered.
Date: JULY 12, 2007
Hon. JacqueTlne A. Connor
Judge of the Superior Court
MINUTES ENTERED
COUNTY CLERK
354 / 745

!I()~ORABLE JACQUELINE A. CONNOR ]l'DGEII V. JAIME DEPLTY CLERK
Il()~ORABLE JlDGE PRO TE~l ELECTRO','!C RECORDI:-;G ~l()\'ITOR

#11
B. VARGAS CA Deputy Sherlffll L. McKENZIE CSR#5567 Rep0rlcr
1
8:30 amlSC087400 Plalnliff

I Coun,d MOE KESHAVARZI (X)
NIVIE SAMAAN

I, Jacqueline A. Connor, declare:

1. I am a Judge of the Superior Court and as
such have been assigned to preside over this case,
2. I am not prejudiced or biased against or
in favor of any party to this proceeding or their
counsel.
3. All rulings made by me in this action have
been based upon facts and arguments officially
presented to me and upon my understanding of the
law. My statements and rulings are set forth in the
records and the files herein, which are the best
evidence hereof. To the extent the moving party's
statement of those rulings and statements are
inconsistent therewith, they are denied.
4. All statements made by me and all actions
taken by me in this proceeding have been done in
furtherance of what I believe were my judicial
duties.
5. I know of no facts or circumstances which
would require my disqualification or recusal in this
case.
I declare under penalty of perjury that the
foregoing is true and correct and of my own personal
knowledge, except as to those matters stated to be
on my information and belief, and as to those
matters, I believe them to be true. Executed this
12th day of July, 2007, at SANTA MONICA, California.
MINUTES ENTERED
COUNTY CLERK
355 / 745

HO:--;ORABLE JACQUELINE A. CONNOR ll'DGEl1 V. JAIME DEPLTY CLERK
HOt\ORABLE leDGE PRO Tnt ELECTRO:\IC RECORDI:\G \IO:\!TOR

#11
B. VARGAS CA Deputy Shertt'f L. McKENZIE CSR#5567 Reporter
8:30 amjsc087400 Pia III tl ff

I
NIVIE SAMAAN

Jacquellne A. Connor
The original Order and verified Answer as stated
above is signed and filed this date.
A conformed copy of the order Denying Peremptory
Challenge and Striking Statment of Disqualification
and Verified Answer of Jacqueline A. Connor are
mailed this date via U.S. MAIL to the Defendant,
JOSEPH ZERNIK addressed as follows:
JOSEPH ZERNIK, DMD,PhD

DEFENDANT INPROPRIA PERSONA
320 SOUTH PECK DRIVE
BEVERLY HILLS, CALIFORNIA 90212
MINUTES ENTERED
COUNTY CLERK
356 / 745
..,1; ficati
.t st<,
LOS
FILED
ANGELES SUPERIOR COURT
5
S
T'.:~lll 1 2 Z007
(5 ,LPERr "~
OR COURT OF JOHN!A. CLf,FiK~. CLERK
7 FO TUEST '~
8
R THE COUN "ATE @]( ~/XlfWJAIME, DEPUTY
Ty OF LOS . ORNIA
9 , ANGELF
-S
/(j J\!/VIFSAMAA "Y,
II
Plaintiff: ('ASE No. SC087-JOO
\
12
I]
J()SEPfr ZERNIK, et al.
ORDFR {)P"YII\, .
14
Defendants ('HALl. £1\'(,[,
." "C, PEREA./PTOJ<Y
/5 JOSEPH ZERNIK, • 1'/ I: AND STRIKING
STA TEMENT OF
/6
\'
CrOSS-COmPlainant, IJISQUM.JFICA TiON
/7
/8 COllJWELI [JANkFJ< ,
19 BROKERAGE', et al. -, RESIDEN fIAL
20
CrOSS-Defendant _
21 s.
Defend
ant Joseph Z '
22 /I '
1/ ")Chlde . , • cfI lIk has f-I) cd a Pleadin
emen
')"at ) or,r ,- g as OPPOsition to ,
23 II 17(), ,
.." (Ontending t
h alth )sqUa/, i) Cation ii)r cause
'. ' .
a mOl)On lI'ith
PurSuant 10 COde Of (" 'I
I'" I
' 0
"'"P al
2524 1/ peremptory ch enge

1/ e ilsS)Qncd d .
}Il ge IS biascd. The I,
C . ,v, PrnCcd Ure section
O
T, ,all pursUanl to COde of CiVil P P eadlng may also be intended as 1
litle
.. 0 thc C\lent that the Ie . IS' .Intended as
rocedure SCCtio 0.6. . ,
26 II Civil !'race, P admg a ,67, .
n 17
dUre section 170 6 . '.. . peremPtory challen ,
ablisl:
27 II Purposes, and 11 ' . n . ,It IS Ont"nely as this Ihalt ' . . . go Pursllant to COde of
1( InOtlo lIas er 1.\ aSSigned 10 the ,
28 IllJJandated " ' ll not filed lIithin Ijlte d " .. underSIgned f"r all
Y that sectio and I en ays oi the defendant's
cation
oCal RUle 75(a) T h , , appearance as
357 / 745 Order Den .' p 1. e,n000n is I ,
Court File: "Volume IV Continued".Y Ing erernptory
C'h'~/J' ~ . a So nOt 117 a ffi'
a enge ~hrJ '"'
SU IClem Or nrr.,.
J L Jacqueline A. Connor, declare:
3 1. I am a Judge of the Superior Court and as such have been assigned to preside over
: II this cas:
I am not prejudiced or biased against or in favor of any party to this proceeding or
6 their counsel.
'"1
1 3. All rulings made by me in this action have been based upon facts and arguments
8 II ot1icially presented to me and upon my understanding of the law. My statements and rulings are
9 II set forth in the records and the files herein, which are the best evidence hereof To the extent the
10 II moving party's statement of those rulings and statements are inconsistent therewith, they are
1I II denied.
12 4. All statements made by me and all actions taken by me in this proceeding have
13 II been done in furtherance of what I believe were my judicial duties.
14 5. I know of no facts or circumstances which \vould require my disqualification or
15 recllsal in this case.
16 I declare under penalty of perjury that the foregoing is true and correct and of my own
17 personal knowledge, except as to those matters stated to be on my information and beliet~ and as
18 to those matters, I believe

'\
them to be true. Executed this /) i (,
-----"
davof ,{/ i
.
<
.•
•f
19 2007, at- }/clJ )':V",U'(;f , Calif{)rnia. // U

20 . ".r.~,_1:~ f_<~.,-I_.(j , : l_ !_" \...
/ JacqueF . ~
21 ; .
I,'
22
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24
25
26
j'"1
_I
28
4
Order Striking Statement of Disqualification
358 / 745
~\\;£uco~,,~
~ s s\.l?tR
2 LOS ,b.~Gr.\..£ In\)l
."'\ l?" \.l
" \., ,~\~\ sr.I<.
.J
"~Y.c C\..
if'- O_p·n
4 JO\-\N; .~. oE.PU1'I'
'Jf'-,tJIE.,
5 SUPERIOR COURT OF THE STATE @Y'e'wt 'ORNIA

7
8 CASE NO. SC087400

9
NIVIE SA~IAkl\i,
10
Plaintiff, ORDER DENYING PEREMPTORY
II CHALLENGE AND STRIKli\(J
v.
12
JOSEPH ZERNIK, et al. STATEMENT OF
13
Defendants DISQUALIFICATION
I~
JOSEPH lERNIK,
15
Cross-Complainant,
16 v.
17
COLDWELL BANKER RESIDENTIAL
18 BROKERAGE, et al.
19 Cross-Defendants.
20
21 Defendant Joseph Zernik has filed a pleading as opposition to a motion \\ ith purports to
22 include a statement ofdisqualitication for cause pursuant to Code of Civil Procedure section
23 II 170.3, contending that the assigned judge is biased. The pleading may also be intended as a
2~ peremptory challenge pursuant to Code ofCivi! Procedure section 170.6.
25 To the extent that the pleading is intended as a peremptory challenge pursuant to Code of
26 II Civil Procedure section] 70.6, it is untimely as this matter is assigned to the undersigned for all
27 II puqloses. and the motion was not filed \vithin fifteen days of the defendant's appearance as
28 II mandated hy that section and Local Rule 7.5(a). The motion is also not in a surticient or proper
I
Order LJenying Peremptory Challenge and Striking Statement of Disqualification
359 / 745
form.
! To the extent the pleading is intended as a statement of disqualification for cause, It is
3 difficult to discem what the contentions are that form the basis for disqualification for cause.
4 rhe rambling pleading complains primarily of acts of others than the judge. As best as can be
5 discerned, disqualification is sought on the basis of defendant's opinion and disagreement with
6 the court's rulings. The pleading is also in improper form, as such a statement should be separate
7 and not included within another pleading. j\;!cCaratnev v. Superior Court ( 1(90) 223 Ca1.app.3d
8 1334, 1340.
9 In any event, the pleading demonstrates on its face no legal grounds for disqual i fication.
10 It is stricken pursuant to Code of Civil Procedure § 170.4, subdivision (b).
II Code of Civil Procedure § 170.3(c)( I) requires that the disqualification statement set forth
12 "the facts constituting the grounds" for disqualification of tile judge. Mere conclusions of the
I '"
-) pleader are insufficient. In re l\;forelli (1970) II Cal.App.3d 819, 843; Urias 1'. Harris Farms,
14 file (1991) 234 Cal.App.3d 415, 426.
15 The statcment of di squa Ii tication cannot be based upon in formation and be IieC hearsay,
16 or other inadmissible evidence. See United Farm Workers o./America, A.FL-CIO v. Superior
17 Court (] 985) 170 Cal.App.3d 97, note 6 at 106 (disqualification cannot be based upon hearsay or
18 other inadmissible evidence). Cr, Anastos v. Lee (2004) I J8 CaI.App.4th 1314, 1319
19 (declarations in support ofa (ode of Civil Procedure section 473 motion must include proper
20 foundation, i.e., personal knowledge.)
21 A par1y's belief as to a Judge's bias and prejudice is irrelevant and not controlling in a
22 motion to disqualify for cause, as the test applied is an objective one. United Farm iVorkers oj
,"I
",j America v. Superior Court (1985) 170 Cal.App.3d 97, 104; Stanford ['Ilin,>rlitl' v. Superior
24 Court (1985) 173 Cal.App.3d 403,408 ("thc litigants' necessarily partisan views do not provide
25 the applicable frame of reference."
26 Rulings and tindings do not constitute a valid basis for disqualitication. As stated by the
27 Califclrnia Supreme Court in People r. Guerra (2006) 37 Cal. 4th 1067, 1112, "a trial court's
2R numerous rulings against a party--even \vhen erroneous--do not establish a charge ofjudieial
2
Ordcr Striking Statement of Disqualification
360 / 745
bias. especially when they are subject to revie\v,"
} /I Conclusion
3 II To the extent the pleading is intended as a motion pursuant to Code of Civil Procedure
4 II section 170.6, it is denied as untimely and not in proper form. To the extent the pleading is
5 II intended as a verified statement of disqualification pursuant to Code of Civil Procedure section
6 II 170.3, it is stricken pursuant to Code of Civil Procedure § 170A, subdivision (b) on the grounds
7 II that it demonstrates on its face no legal grounds for disqualification. The parties are reminded
8 II that this determination of the question of the disqualification is not an appealable order and may
9 " be reviewed only by a writ of mandate from the Court of Appeal sought within 10 days of notice
10 II to the parties of the decision. In the event that a timely writ is sought and an appellate court
II II determines that an answer should have been timely filed, such an answer is tiled herewith. See
]2 /I PEA, LLC \'. KPOD, LTD (2003) 112 Cal.AppAth 965, 972; accord, Fine \'. Superior COllrt
13 II (2002) 97 Cal.AppAth 651, fn. 3 at 658.
14 II CiaOD CAUSE APPEARING THEREFORE, It is so ordered.
15 '"',\
JUL 1 2 2007
I, \, c'
16 IIIJate: ", _ />'
.~~ ,O( /-: (.J
17 / I " I
I
18 /
'~
19
20
21
22
23
24
J~
~)
26
27
28
3
361 / 745
')
L Jacqueline A. Connor, declare:
3 1. I am a Judge of the Superior Court and as such have been assigned to preside over
4 II this case.
I
I am not prejudiced or biased against or in f~lvor of any party to this proceeding or
" .;..
6 II their counsel.
7 3. All rulings made by me in this action have been based upon facts and arguments
8 II officially presented to me and upon my understanding of the law. My statements and rulings are
9 II set forth in the records and the files herein, which are the best evidence hereof. To the extent the
10 II moving party's statement of those rulings and statements are inconsistent therewith, they are
1I II denied.
12 4. All statements made by me and all actions taken by me in this proceeding have
13 II been done in furtherance of what I believe were my judicial duties.
14 5. I know of no facts or circumstances which would require my disqualification or
15 reCUSed in this case.
16 I declare under penalty of perjury that the foregoing is true and correct and of my own
17 personal knowledge, except as to those matters stated to be on my information and belief, and as
18 to those matters, I b~lieve them to be true. Executed this ;';~ -C1 day of j:./ { . ;"
~~
19 2007, a.~
.
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t _..( (_/ 1\ ~.~ ;L~ ,,(,',~
/ Jacqueline A. Connor
!
21
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15
26
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28
4
362 / 745
\,·0 I)
.1 _
" ' (!)~/
,~
.Joseph lel'l1ik. D\I D. PhD '\ ~'\ ,', \ ' ~~

\
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320 South Pt'l'k Dl'iH \:1
.., Bt'H'r1yHiIIsC.\90212 yyl./ "
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. ~-t11
~ V\ov- coDV-'\.
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~ SlPERIOR COlRT OF THE ST\TE OF
5 FOR TilE COt"TY OF LOS ,\"CItP.l:'S'*~ ;~\\L \ t 11)1)', G'-'-'i''f-
h ',I c\..Jlo-~ ,'l
LI\'\ f',. ,. s\,\J
~o., I S,D
7 "-lYlE S,\ \1.\\'\. all indi\idua1. ) Case '\0 SC08"::·lOf) \J\fl'jp.\W-
) .1ssiglledfor oil pt(fllt)\-e.~~;rill! HOlfomhl1!
8 Plaintitr ) .!lll(/lIdiilt: .i. () ,( '<ll/I/or
)
9 v.
) OEFE~DA~T JOSEPH ZER:"lIK'S
10 JOSEPH ZER\IK an individual. and DOES I ) \IE\IORA:\Dt\. OF POI~TS ,\~D

throu~h 20. inclusi\e, ) AUTHORITIES I~ OPPOSITION TO ~ON
I\ ) PARTY COr~TR\WIDE'S*
Ddendal1(S ) fLLEGITI.\'IATE :\'0110" FOR A
12 ) PROfrCTIVE ORDER
-,-,----.-- --_._--_. . -._._---,--- -------------.--_.---_.- ---_.'_._- -_.
JOSEPH IFR\IK. an inJi,idua1. )
13
) .\~D
1,-l Cross-Complainant, )
' ) ,\S f(LJ~G fOR THE PLRPOSE OF \
15
"' ) ~'IMF.DL~ E DlSQL.\.LIFIC~TI?N OF
T.
16 COLDWELL BANKER RESIDE~TL\L ( ~ rH~ HON?~AB~£.Jt.OGE CO~;\IOR ) 1

BROKERAGE: \HCHAEL UBOW, an " BASEl) O~ CCP ~ 170.3.
17 indi\idua1. ),
)
.//
\8 \ .,-,/
C'ross-Detcndants. ) "Countrywide here denotes CFC Inc and all

19
) its subsidiaries and affiliates
20 )
2\
y) Juh l2. 21)07 Sll)am
fkpan lill:nt I
)"
''--)
2~
25 !i BEe I. \R\ no~ OF .JOSEPH Z£R~IK
26 :! I ,)o.:;c:ph lcrmk dec1:lres :JS follow.;;:
"7 :i f. lER"IK PROTESTS n·HS ILLEGITt:\l\TE Hf.\RI"G
.~s
FiLl\G FOR THE P\RPOSF. OF npPO~lTlO" TO "0\ P.\RTY

363 / 745 !\t\IEDL\fE orSQl \UF1C\T!O:,\ Of THE COl 'ITRY\\lUE fLLEGITI\H fE
I ) Fm rt.';blms detaikd below. r requ~st that this tiling be simultaneously considered for two
I',I
-
)
purposes:
,
....
R. Filing FOR THE PI RPOSE OF .\..\I£OIA1'E DISQL\LIFlCATIO", OF
-t- THE. HO'OR\BLE .llDGE CO~:\OR BASED 0-' CCP § 170.3.
5 b. Opposition to'.oll-PaI1y illegitimate \fotion for Protective Order
6 c. That our original opposition for the e\ parte appJication for a hearing on the
..,
i motion for Protective Order be considered pa rt of this opposition. \Ve never
8 withdrew it, and it was never returned to us by the judge.
9 .2) lhold and belie\ e that the background to Samaan v Zernik is in conduct of a loosely
10 organized group of individuals, including: 1\1aria \1cLamin, JR L10) ds. Victor Parks.
\\ :" i" ie Samaan. ~loc Kcshevarzl Their conduct included:
1:2 !i a) Fraudulent Inducement of lemik to ~nter a Pun:hasc ,\grccment by Samaan and Parks
J 3 II b) .-'£tempt at Fraud and Ileceit ag:linst a government -hack lender by Samaan. Parks.
It !!and \IcLauIin
15 i I c) Attempt at Fraud and Ueceit against a financial institution hy ~amaan, Parks. and
16 11.\lclaurin
17 !! d) \\ ire fraud against Zernik and against Countrywide, a financial institution, by

\8 'I! Samaan and P':'lrks
19 II e) Deceit of the Court and Fraud against Zernik in Samaan v Zernik - by Samaan.
~o i i Parks. \lcLaurin. Kesha\arzi
21 ,13) J 11 a \\ ~iY. lcmik was a ~implc collateral damage of an unsuccessful :lnd frsutarating
.,., ,i attt:rnpt at other hei-.;ts altogether.
.23 i ~) '\nl1-P1!t\ C l 1 tlllhvl,vide* t"'Countr\\\idc denotes here l'Fe Inc. \,jth all its subsidiaries
. I . . ./
2,l ;mJ ·.1 rtl li:ltcs, j'Jlntl:- and.l)r sc\ually"j appears to bring a lloticed motilHL '.\hele in fact.
2j th\.o;, \\ as :In 111llloticed mutien. Defendant rccei\ed PLJintirr" motIon abnut ()OOpm last
2C) ni.,:!h1. ;llld t~'lr all lh: can tell. it CGntlmlls \\ ith the letter and thec;pirit llf the honorable
:'7 !w):;e·.;; decisil'll.
28
FIU:'\G FOR 'HiE Pt·RPOSE OF OPPOSITHY\ TO '\;0,," PARTl

364 / 745 DL\I£DL\ IE OI\;J(H\L1FIC A nO'\.~F THE COl YfR\WIDE IlLECnnL\ n
.2) \ h'J"(~ to the point (\)Untly \\ ide nc\ er established its standing in this case. not in the ex
., II parte and not now. At the same time that it wants me to retract any mention of its collusion
3 :I\\ith Plaintiff it allo\\s itself to be listed ;-IS one and the same as Plaintiff in (OUlt papers.
-\. \13) l"he t,linng by Br~an Caye was and is replete \\:ith hearsay. unfocused. and unreasonable
5 i Ito the ~Jllint that this \Hlkr .... ho is not a legal professional sees in it an odd e\ent in and of
6 ! it<;,eJf. !rmik holds ~md believes lhat the cir..:umstances
. SliITOlllldinQ
G the hearinu~
l)f
7 I (\wntry\\idc's ex parte last Friday deserve an il1\estigation by L\ Superior C()[ut. That \\<as
8 i Ino nonnal hearing :ts atlordcd to an) body else. There was nothing nOllllal about it.
9 II ~) CmllltT)\\ ide's tactics are perceived by this \\T1ter as bullying under COUlt blessing.
10 115) This v.riter holds and believes that a better way to describe \.. hat transpires here is to use
Ii \j the language used by C\mntryv.• ide itsdf. This \\Titer holds and believes that he is
I
1.2 ! ex.periencing streamlining of the comt. the la\\. ;lIld regulations.
I
13 '!S)Furthermore. (\mlHry\\ide repeatedly protests 7emik's communications ",ilh
I
14 i (\mntl) '.vide· ~ t,.·mployces \\ ho are represented. Countl)\vide is applying to Lcmik standards
15 i Iof an attol11e\. In fact lemik 1S not an attome\< and is unable to retain an attomev. for
16 II reasons that :m~ most likely related to COUlltly \~'ide (see belo\\: ). -
17 I I -
I
18 1\2) ZER~IK'S CO:\L\lt~ICS.\TIO~S THAT IRRITATED COL:\TRY\\'IDE ARE I~
19 !I F.\CT PROTECTED FREE SPEECH
20 116) FUl1her. Zemik distributed last night by email some review of \\hat transpires in Samaan v
:z I II Zcmik in the last Ct)Up!e of days. A copy is enclosed:. Zcmik made a :-epcial effort to screen
)""l II the names l)l1e tr~ one, and could not ;dcntit\ any that was frmn ((\untry,-\ide. ih~\\e\er. in
23 : I ')l!ch bulk mailing mistakeS may happ~n. \\ ho knows that better than Countl) \\ ide. Special
2~ !I regu!atlOl"ls \\<.:rc \\ ritkn to protect the public from their rmlllmgs. fa'\in~! de
)" i i !) CtIP~ wg ~w.::h iegulatiolls, based un ClHtlltr) wide's cmnmunic<ltiolls m;lI1uals, I c;pd1cd
~() ~: ~)Ilt ~he c!as.;cs nf persons I ;1m emailing to. I think aJl with gOl~d reason anchored in public
nolin. I :1bo provitkd a d~:ar r~ay conta~t
")"i
.:.. I
f' "
to me to remove a name horn rhe list of
~8 :! recjpl~lits
FlU-"iG fOR HIE Pi, RPOSE OF nPI'o-.:nH), TO $)"i P\RT)
365 / 745 ('"nOlAn: !)I5Ql.\.L1FlC.\TJO'L~)FfHE COL" TR\\\ mE lLLECllT\I.\ n
8) !n all this time. unly one person asked to be remO\ed from (he list. That person is on the
., Board of Directors of Bet Tzedck. ,-\s such. I am not sure if her request is kgitimate,
~
.) ('(1uld she request not to get the Annual Rt'poI1 as \"ell? It means abdication,
.~ 9) l w01h.kr \'.hat would be the objection to the CUITent circulation by CI..HIH!)\\ide. Obviously
5 \\hal they really '''elllt is to gag me, But let's hear what the specific objl'ctions ,ire under the
6 rules I pll)'. ided,

7 (0) I g;nc lip ($lllmIUlicating \\ith low level Countl)\\ide c:mplo)ces:l long time ago,
8 3) \\ 1-1.\1' RE,\LL Y HtRTS COL~TRY'\'IDE IS THE F.\CT THAT ZERNIK

9 .\lA:\!.\GEn TO PE"ETERATE MOZILO'S A.'\O SA.\Il'EL·S PERFECT
10 I~SLL\TION IN .\ DENI:\BILITY PADDED ENVIRONS
Il II) HO\\C\t:L \ hold and belie\e that \1oz1lo and Samuels are in a diff~rent catcrgory. Due
12 TO their !lniqllc positions 1.S Chair oflhe Internal ,\udit Committee. and Chid Legal Counsel.
13 they must allow communications of ceItain kinds to tlov. freely ro them. Such position IS
1--1- ba~t:d on my u!1tkrstanding of Sarbanes Oxley. SEC regulations. and Banking Regulations.
15 11) In fact. the case described by ;\tt Boock \\/ith a \\oman named :\atalic. \"as I believe a
16 few months ago when I tried to contact the "/fot Line" that countrywide pretends to operate
17 for people to rcpol1 fraud. That Hotline appears to me as all attempt to create the fa~ade of
18 compliance. But in fact. it was almost impossible to comey to \lr Samuels and \1r \10zilo
19 my belief regarding \vide spread fraud in Countrywide San Rafael. Building such il system is
20 of cour"e perieet for dcniability. but hears no semblance to the intentions of the framers of
21 lhose law,;,
.,., ! i l.~ I Durin\! thl:' \;\:-t half \ ear 1 reponed many till1CS to"-.tt nonl..k my (on\:ems. I .:\IS\1
23 !I.:'\pli(itly l,;k\.·j him \\hdher he perfonncd his duties per Sarh::Hk:i (hley. q:C regulations.
2l [! JIll.! !3anh.ing Re~lllatinns hefore the end uf the qll.:ll1er it \\a;" I,b\ inilS ti'nm hI'; n:sponscs
~5 that he did 'lut.
.26 l·t) ! :lIsa !1(:$T;~m dlly repolt of any inwstigation in my multiple ~lubpo~nas
1~
J 5) \. !Of\,' mI.'!,. i\ hell ! a.;kcd about :-iuch reporis. [ \\as infonllcJ that I '\.-IS rlsking about
,~3 dl\(liil1~nb that' lid net c'\i;,ts.
HU\G FOR THE PLRPO~E OF lWPO\lTlO, TO ,l)'\j p\Rn

366 / 745 1\1 ~lfDlA IF ObQL'ALlFIC:\TIO~~}-fHE COt\TR\ \\ IDE ILLEGI rl'l-\ r E
16) But H.'celltly. follo\\ ing my meding with cct1ain Rabbi. Country\\ ide found it necessary
-""' to state that they led all investigation that showed that my allegation \\cre with,)ut melit.
...
~
- I
17) Similarl\. 11$\\ kno\v that there \\as an investi\1ation hv the Office of Thrift
~ ,
·t Supcrvisms, That report ''vas also hidden from me,
5 18) Throu~h email I recently managed to ascer1ain that my messages went through to \lozilo
() and Samuels.. \nd that is \\hat they C3nnot forgi\c. Let's see no\\ hO\\ they report it.
7 -t) THE LEGAL DEPART"E~T IN COt~TRYE"IDE
8 I9) I truly believe that the fraud in San Rafael \'vas on a very wide scale, which no doubt.
9 given 1hat it was kd by the manager. amounted to a material dejidency.
10 10) Therefore. since my lirst communications \\ ilh the legal depat1ment in December :2006.
\\ it \\as ckar to me that they are basically t0cuscd on coYeTing up,
1.2 :21) I als,) bclie"e. in paI1 based on the '.\nrds of \laria \kLaurin. that she and the Legal
13 Department tt'1gether prepared the first production in response TO my subpoena through .\.tt
14 Cummings in ,\ug 2006.
1.5 22) From October 2005 to December 2006 I \vas entirely unil1\ohed in this IitigatlOn. and
16 allov"ed \lr Cummings to manage my interests. That was a grave mistake.

17 23) I hold and believe that around August 2006. and the production of that suhpoena. critical
IS events took place. that now show in full volume. Both the Legal Depat1ment and Att
/9 Cummings \\crt most likely compromised at that time one \\3Y or another.
10 2·n The Legal Department had to make a decision - were they going to cover up. or vvere
,21 the\""' !.!.oilH!
~-' '- . -
to rcnnrt \!aria \lcLaurill, Samaan's loan tIle. :.Kcordil1\1 to Diane FrClzier. was
))
one ·A th(' Inl,lst blatzmt nnes. with double stamps. resettmg the <locks for Re~tllation 8,
n ,\ pplicatinn ~lLhI11i)sions lhat '\ere just -;hdls. <.il1d hl:11am "ill/ations of Lnan Pregram Rules.
2~ 25) But hl.'~u!ld tiut \\a~ the underlying ~trug.g1e . \13ria n:fu~r:d to accept the ;tuthority of
l'lldl:!\\ n Ii ng.
~~
~.)
26 2h) \r.oro\ '11 (If ul1\\OI1!lv l'.ovcrnment -backed loans caus~d no !.1crcei\ able dama!!e. and
t \ p __ I "-
'Ii
.;. I \\<1:5 if! h,:t tolerated. ,'l" e\l'Il encouraged through the bonus syst~m.
28
nU\G fOR THE Pt RPOSE Of orpo~nlrf', TO ,0'\ P \Hr.

367 / 745 l \!\lfDL\ I E OJSQL\L1FIC\TlO~.9.F THE COL'inn..-\JDE !I LEGITI\I.\TI
~7) But in 5amaan '5 laSe. \laIia \vcnt beyond that. and \)ffercd Samaan for now reason at
., Ii 3tll a O. "Son discount \\hich lIlay be deemed as [Jure and simple embezzlement of
3 I! CouIltr) \\ ide share holders property. fhat v"as not tolerated. but both Samaan and \lcLamin
.\- II \\ere adamant.
5 :128) Indeed. any intdligent rcading of the loan file would ::.110\\ that it \vas this standoff
(1 II \\here lhe l nden\rJters. fr(lzi~r and Gadi. insisted on some semblance \If In(!Ln.\riting\\-ith
7 11 a legitimate valid 1(0). and a \alid Clues printollt. ~lcLaurin and Samaan. by refusing to
8 ;! ~ubmi[ \alid IUO]'s \\ith the additional O.75~o, \\ere undermining the foundation l)f valid
9 iI and compliant Unden\liting.
10 1129) It \\as this standoff that prevented Samaan's from being ?ppro\cd. During the \\-hole
\ \ i,\ perll)d of her applicatlons. she ne\er ever submitted \ahd Lniforrn Loan Applications
].2 II ( J()03).
13 i! 30) Samaan and \, Ie Laurin were repeatedly instmcted to haw Samaan submit such
Il II application. but refused_
15 II ~ \) Any attempt to fund Samaan's applications absent a \alid 1003. would be in dear
! 6 iI violation of Regulation IJ and various other State and Federal Fair Housin~ and Fair
17 I! ('redit 1.aw.\-.
18 II THE STORY "\80t'T INITIALS r\~D SI~G.\TlRES..\NO \l\RL\'S P"\RT \V,\S A

19 !! L\ TEI:"I THE G.\"E L'VE~TrON.
,]0 !! .~9) In reccnt weeks I \Vas trying to summarize diagrammatically the' arious fabrication
21 i I KcshJ\ <Jrli introduced in the various stat!c of this liti!.!.<Hion.
'-
\....-"
)) !I ~Ol By nmv. there is no \\3Y to put them all t~)gethcr in :-my (Oll,i:-.tcnt and c~lherent \vay .
.23 :I They v.ere all 'i~\l utltlJ1S l~)r kmporarylogical prnblcms in the 'itory_
2·t li.\ 1) But by flU'.\. after multiple runs. it is -:ntirdy illCl)llisknt.
2S ~i ~2) It \\as c"H,tly fnr that PII!lJOSC. Thilt I insisted ,1gain~~t rheopmiol1 ()f multiple attonmey.s.
.Y> Ii on runr~j!lg ih..: .Ifotion to E\'pUltKe fJ\' Pcm!em'.
?7 il 33) I '\as stlipriscd that f-.:.c<:ha\arzi did not catch it up I!arlic:r.
lS
flU'.G FOR THf rlRPOW OF OPPOSIT10,\ TO ,\0-'; P\Rl\
368 / 745 nnU:DlHE DlSQL .\L1FIC\ rro'\B.f THE COL 'dR) \\ IDE ILLEGITL\I\TF
.H) [3ut by 110\'v. it is otniollsJ) high on his (lgenda in the scheduling shenanigans to remove
')
that hearing from the \'vay to Summary Judgment.
..,
-' 35) T'his definitely \\ill justit): special effects, either by Kt.:'sha\arzi. or by the Honorable
-+ Judge. nr bnth.
5 I "AS REPL\TEOL \' n.\~OIc.\PPED BY CO\lPRO'IISEO COl~SELS
6 ,()) I ast Frida\'. soon after the short hl'arinQ in cour1. I hilt'\\
j '" .....
[!l;l(.l to let \Ir Green eo. It \\as
i...-
7 pathetic. In:l hours or S~) of representation. he clearly sho\\·ed that he \\as compromised.
8 37) [3ut I did not have the proof until I opened the \lvtion by C ouuntr~ wide and read on
9 page 4 that the stipulation \\as smllcho\v his idea.
10 1138) \11' Cummings was compromIsed in a major way. \\'hen [ confronted him after short
1I reading \)1' the disco\.cry \\. ith some questions, he tried to convince me that I did not
12 understand 1,\ hat I \\as reading.
13 39) Indeed there \\as some good chance of that since I had no background in banking real
u -.:stak !;m. 'lIlden\l'iting, and all the rest.
15 ·~o) .\ f~\\ hours With the statf of the CalifoIl113 Real Estate Depmimcnt Convinced me that
/6 I \\as on solid footing, and \Ir Cummings was indeed sen ing some other masters.
17 ·f I) I scned IWl1 a list uf questions by email, such as: the Jepusition of Samaan, \-vithont
18 asking a >ingle question about the Preqllalitication Letter, or for that matter -- the Loan
19 Application 1003.
?O t?) The next lime I came 10 his office to read materials. he started ydling: ')'ou will nel'cr
:21 :i.:!cf a penn\, ouf olme" But I never threatened 10 su-.: him.
I' - .
)) 'I-l-~\ H.: offered me a '525.000 \\ai\cr, \)n condition that 11c::\\c .\";-\P
I
n ! I-~·~) [ater t'll he \.:ng,tged ill '!c(cit ~)f Ihe Cl1U1t in misrepresenting these facts.
2l :il5i [ apprc',lched the \mly Ii\ in~ \ larquee partner \)f Sui !i\<lf] Workm,iIl and Dee - \lr
25 i\ \\ i'l'hman. cmd \\c had a l1i:.:e breakf[lst discussing Fmilll'nt Domains ;lIld lllher cOlhtitutiol1al
~() :I i.~-)tll':' \t til;: ..:nJ he stated that he . ;upported my position that CUmmllH!S O\\CS me ckar
~27 I: ,1Ih\\efS t.\plaining his . . ondHct rdati\e to my rcprcc;entJtlCl1
2x ;:;'6; ] ;·lc'.'5l('(ei\(~d -;uch ;ltb\\ers
Hm HIE Pt RPO'iE OF
FlUV~ l)Pi'O'-1 no'\ TO '\0:\ P\R n
369 / 745 i \l\l EDL\TE OlSQl.\L\ Fle\1I0'!. tft.f THE COL\ TRY\\ IOE ILLEGlTnl\H
I,
!
I
I ~ 7) rhl'rt.: are ll1Jt so many guesses \\ ho could be behind the ~ompromise of Cummings.
I
~ l-l8) I was slh1cked and amazed when it turned out the .\tt BrO\\tl was also compromised.
3 IN) I t \\as "imiJar to the situation \\ith \11' (Jreen. I negotiated (Ill and otT for sc\cral days.
I
-t \ \\arned them about my concerns that my attomey s may be compromised. I explained
::; my (\.mcerns regarding Kesha\ (l1'zi. I c'\.pJained that I demanded copies of all email
fl <:nmmIHlicatioJls. and minimizatillll of phone calls.
7 :i 50) When I got SUSpiCIOUS with Att BfO\\11 and left. he sent me a bill. In it there were
8 ii multiple days \\ ith email communications to Kesha\ arzi charged to me. I requested
9 !I copies pf slIch. He refused and claimed they were not substantive. and he had destroyed
10 II them. I insisted that both he and I realize that copies exist \.)fl his mail sener (he spent
I \ \I ) ears in the Federal Prosecutors office. and that is why { \\ as so disappointed). He still
I ~ II refus..:d to provide copies. [tried to ::;en e a subpoena. but obviollsly !<.;;"ha\ arzi wamcd
JJ i I him. \ I)" ~er\ice people were stopped by the security guards in BrO\\n's otfice. This is
It il one nf the moments that I could not imagine in my wildest dreams.

15 11.:5 I }~.nd Bnm n sent me a proud email to document the l)ccilsinn
16 11.\llhough I am not operating for profit. and I by no means can compare myself to
17 IICounn)\\ide: They claim deceitfully to be \ictirns of harassment. I am the ,ictim of their

18 \I fraud. and Samuels and \lozi10 are quite detcnnincd to aHo\" this fraud by Samaan,
19 i I \kLaulin. Parks. Kesha\arzi. and LIo) d to take place. for reasons that are quite easy to
20 II understand.
21 !: 9) Bc,erly Hills Police asked l11e to \\-rite my understanding of the "itllation in lay language.
")") i I "i n(c dk\' had riifficulty in digestirw: the financial papers I submirted in a pre\ i0HS filing.
23 ;i am \\ diIIH! to .,hnre that <lnd Hwrc \\ irh allY serious imesti.~atinn uf ihis affllr.
2l i: I SI\IH .. \I{LY BELIE\ E THAT I \VAS REPE.\ IEDLY II \. ,\[)IC.\PP[D BY
25 CO\lPRO\lISEO BY ERRORS I~ .\D.a-OlC\TIO'\. 111.\T B.\SED 0:\
.26 ST.\. TfSTIC\L E\ 1OE:\CE ..\ LO' E,\PPE\R '\0'\ RA'\ 00'1 1'\ :\'XrTH.E.
:'7 II 10) FMlicr dns \,.:ar t commissioned 1 n:p(111 fnml th~ offIce of \e\ille Johnson. I c"pccted
.:8 :i :~n!11c '2wdJ!1CC (111 ,,\ hat dircctidl 10 take the case in.
rILl \G fOR THE PI..1WOS£ OF OPPO:-;IT10\ TO \0" P\Rf\

370 / 745 l'.I:\I£DI \IE DISQl\UflC\IlO\..g>.F THE COt yrR\ WIDE I LLEGfTl.\I.\ n
II) fo my :H1laZtment . the focus of the repor1 thdt came back \\as "Errors in
")
.\Jjudication". I had no backb'mund to detennine sOI1lt'thing like this. and was shocked and
.,
.' disma\ed .
-l 12\ Johnson thcn censured the shOl1 rep0l1. authorcd by a too honest younger associate.
5 assume lhat all \,ill tkny it ner existed. but extensiw email cOITeSplH1dence \\Otlld show the
6 l'pposite.
7 I]) Regardless. I \\as kft conccllled ~md intimidated. I decided TO approach the problem
8 i I using a statistical method. Whene\er \\e had a :;trange sequence in the COUl1 room. I would
I
9 list" r' po II ing aU Olll e, s rogardi IJ g 'hat ;eqne",e. t1yi 11 g Ii rst '0 pre 5011 t i' i11 0 hj e<ti w tenn s.
10 1 14) A good l:\.ampJe \\ou]d he the Ex Parte ,\'ur Rep~r of ,vOl'em her ]()()6. I would ask
\ I \1I .~ttornevs:
12 = wltut are the odd..· (~,.lI\·llr rep(r I a civil ea.\·e motion?
1.3 = what are the od,N o(iJJ1 ex parte slIr rep(r in il cil'i1 case motion?
'.-1- Ii = willi! are the odds (~r an ex plir!e sur rep(r in a ch'iI Clise mOTioll, where tlJejlllJge allows
15 r I a M'/wle nt-'}\.' h()l~r (~r e~'iden('e?
16 II = what are lite odds allln ex parte ""ur rep(v in a ddt Clise motion, H.'here the judge allows
17 !! a whole new hody of evidence, mo,\·t oflvhiclt l"''fraud?
\8 II The odds here. each on its O\\n. are very smalL a few percent at most. But it is the sequential
19 !! nature that makes them intinitesimally probably. or in other words. impossible to explain as
]0 i I neutral erTors in adjudication. and require introduction of the hypothesis of a bias.
21 !I 15) We ..:an :lpply the same tL1 c\ents surrounding Countrywide""" Jlo(ion, . . .t ill underway.
"17 :' :lnd I '}H\ qUll<.: positive the statistics would be ilnpressi\c.
_13 I! ]h) E\,_'nts ,;urlounding the dis..:rcpancy bcfl.·\ocel1 the J);.. .'('()\·err Cut O!(J)afe alld fdal Date
~~·I I! t~lll into rhc :-,aIlle (:1te~orJ'
:~5 :1 \ i) 1'11.; issue \\llh disl'O\I~ry \vas ckar to ille since December 200(). You may r-:call that J
26 ': imrnedJatel) filed;:l motion for DiscOt'crr Re(eree. \,hidl \\8S ulloppos..-:d. but rcjected.
-;'7 II 1;3 I (("'lTlsc! t~;r Pl;limiff is t~lcil1g J major dulleng~. II\: h~lS to deli\er a \\ ill. but with
28 !! additi<.;nallcquir-:mcnts- 110 depositIOns ,mJ no witnc5SCS tah.ing ihe stand.
HU';C fOR THE PLRPO~E OF oppn'lno~, TO ,0'1, P\RT,

371 / 745 i.\t.\tfOL\TE OISQlALlFIC.\TlO"'-9.f THE COC'TRY\\ mE rLLfClTL\l.\ I f
19) Till.: llIlly \\ay to accomplish that would have been by tile Summary .lud;.:ment.
.., I i ~O) I must ..;ay that my consultants are unimaginative. I ha\ e asked them fell' months hO\v
.1 I! this -:ould be accomplished. There is no \vay that any judge \\ould agree h) do It the slm\
-l II and painful \\ay. Especially that you have the Expunse Us Pendens on the way. which
5 would no d",'1ubt CI} stallilc major disputes of fact. "illee \\c do not e\-.:n have a Purchase
() \greemcnt lhat i., clearly authenticated in this case.
7 21) ()ne must gi\c Att Kehsa\arzi credit for the idea of fabricating the hand deli\ery and
8 then file to deem lldmi"·,,.hm.'· admitted Frankly, I could have been perfect. I was amazed
9 that it faikd. \fay he it was too close to the appeal on the Oisc(}l·er.y Cut (Hf Date..
10 22) In any e\ ent I think \\e have gone long enough that it is time to tile a chalknge based on
\\ CCP '70.3:
1.2 the law says:
JJ (1) If a judge who should disqualify himsl'lf or herself ,'efuses or fails to do so, any party may Jill"
with the clerk a written "erifted statement objecting to the hearing or trial before the .judge and
l-l jetting forth the facts constituting the grounds for disqualification of lhe judge. The stiltement
~hall be presented at the earliest practicable opportunity after discovery of the facts
15 (flllstituting the ground for disqualification. Copies of the statement shall be served on each
party or his or her attorney who has appeared and shall be personally served on the judge
16 alleged to be disqualified, or on his or her clerk, provided that the judge is present in the
.:ourthouse or in chambers.
17 /2) \\ithout conceding his or her disqualification, a judge whose impartiality has been
challenged by the liling of a written statement may request any other judge agreed upon by the
18
parties to sit and act in his or her place.
19 (3) \\ithin to days after the filing or service, whichever is later, the jlJd~e may file a consent to
disqualification in which case the judge shaH notify the pre<;iding judge or the person
~o authorized to appoint a replacement of his or her recusal as provided in subdivision (a), or the
judge may file a written verified answer admitting or denying:my or all of the allegations
21 contained in the pal"ty's :-,tatement and sdtin~ forth any additional bets material or relevant to
the question of disqualification. The clerk shall fOl"tl1\"ith transmit a cop" of the judge's answer
) ")
to ,·:\(:h party or his 01' her attorney who has appeared in the action.
... .., \4) \ judge ,.. ho fails to liIe a consent or answer within the time allowed ,hall he deemed to
..::~)
h;n e consented to his or her disqualification and the clerk ~haJl notify the presiding judge or
penon Huthorized to .'ppoi,,! a r<"placement oflhe recus,ll :lS pro\ided in ::uhdi,i"ion (a),
_~ -1-
;51.\ jmt~e ,.. 110 refuses to rcruse himsdfor her<;elfshall not rnss II\1nn his or her 0\\"
25
disqualilication or upon Ihe sufficiency in law, fact. 1)1' othen.. ise, of the ~tatement of
.'.6 disqualification Gled by a party. In that case. the question of di~qtlalificatio!l,hallt>e heard and
ddenni,wd h~" :mother judge !H!rt'fd IIpon by :111 the parties who ha' e nrpeared or, in the event
,7 they are Im:lble to agree within fin navs of notification of the judge's l11swer. by ,1 judge
.- ,
cdccted hv the chairper'Son of the Judicial Council, or jf the chairperson is unable to .let, the
~s .. in: I'hairp(·p;on. The clerk :-hall notify the t:'wclIli,"e td'ticer of the Judiei;ll COLlllcil of the need
FlU\G FOR rm:. PI. RPOSE OF I;{'PO:";!T'O,", n) -":0:" P \RT\

372 / 745 i \1\l.EDIA IE DISQLALlF[CATlO::;i(~THE COt-';TR-\," mE ILLEG(TDL\TL
for :l selection. The sell'ction shall be made as expeditiously as possible. '0 challenge pursuant
to this slIbdhision or Section I ':'0.6 may be made against the judge selected to decide the
') I
.:... l 'IUl:stiol1 of disqualification.
,
.... (6) The judge deciding the question of dis4ualification llJay decide the question on the basis of
the statement of disqualification and answer and an~' written arguments as the judge requests •
.\. or the judge ma\' set the matter fl)r hearing as promptly as pr:lcticable. If a hearing is ordered.
lhe judge shall permit the par·ties and the judge a}/el,!ed to be disqualified to argue the question
5 of disqualification and shall for good cause shown hear evidence on any disputed issue of fact. If
() the judge deciding the question of disqualification dl'termillt's ~hat the judge is disqualified. the
judge hearing the question shall notify the presiding judge or the person having authority to
7I appoint a replacement of the disqualified judge as provided in subdi, isinn (a).
(d) The determination of the question of the disqualification of a judge is not an appc}lIahle
8 ordl'r and may be re\iewed only by a writ of mandate from the appropriate court of appeal
sought only by the pal1:ies to the proceeding. The petition for the writ shall be filed and served
9 ,,,ithin 10 days after sen-ice of written notice of entry of the court's order determining the
question of disqualification. If the noticc of cntry is sen-ed by mail, that time shaH be extended
II) as pro" ided in subdivision (~ll of Section 1013.
\I (6) L\) For :my f('ason:

ti) Tlw judge believes his or her rc(Usal would further the interests nfjustice.
I~
(ii) The)\Idgt' helieves there is a substantial doubt as to his or her capacity to be impartial.
IJ (iii) :\ person aware of lhe facts might reasonably entertain a doubt that the;udgc would be able to
he impartial.
! ·t (B) Bias or pn'.iudice toward a lawyer in the proceeding may he grounds for disqualification.
15
23) :\s mentioned above. I have no knov.ledge of specifics. but I believe that the statistical
16
~naly sis of snme of this instances. paniucalr\y where there \\cre sequences close in time.
17
such :l::' \\ ith thi~ motion for a Protective Order. the L:vidcnce wnuld be of the kind that must
18
he deemed meeting the requirements of
19
(6) (iii).\ person aware of the facts might reasonably entertain a doubt that the judge
:?o
would he 11hle to he impartial.
21
2ft rin:liJ)'. I \\~)llid like: to gi\~ special credit 10 \Ir Samuels ~Lnd the upl:ollling "Justice
) L'
_~.1
!:i Hall" for h1lJ~..'.illu
! -" -
mt: into this p\}illt. in more \-\a\s than one,
-
2-") lhc: nicc'st :md most positi\\:: one is then I \'\:13 reading 1m the cUl1trihutlim \)f Jc:\\ish jllfist
.?!
(0 :a\\ in \mcneil. :lnd '.vas stunned to tind om that the biggest -..:ontibulidn uf Br:mdies \\as
)'-\
in the Hr:wdics Hrief \\ hieh '.\as the first that inft'mned the Supreme Cnmt I'll clll opinion.
-. (: I
•• J
;0 -, j
ihrutdl
'-
~~t:lti,)ticaJ c\idcnt.:e Jnd f1rUlllllcnh.
.....
- I .
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FlU:\C FOR HIE Pl RPO<.;F, OF OPPlhl no\, TO \,0\ P\R n

373 / 745 1\1\1 EDI.\ n DlsQl'ALlflc'\no~lqE THE cot" THYWIOf: fLLEGITI\L\H
25) 1'\'1" ab<"'ut 9 months nmv. I ha\e been Ii" ing in the \vorld of delusional darlty. where
')
each dondllct of each attol11~Y is measured along the starisrsical odds. It would he great relief
.,,
to be free from that \\orld.
ct ,; II III
Ii .
5 I d~c1are under penalty of perjury under the laws of the United States that
6 the foregoing is tme and CUITccL
7 E-:,{~clltcd 011 JuJv I ~_ 200 7. in Be\crl\ Hills.
8
~.s~ _
9 --./.....1- -
--- - - - - f . - - - - - -
10 Joseph Zernik
\\
12
1.1
Il
15
!6
17
\8
19
20
J!
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1:
.!3
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25
26
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'28
FlU'>G FOR THE PU~POSE Of fwpo,nto\ TO '\0'\ p\Kn

374 / 745 i ',1 \iF DIA n: DlSQL\UFlC\ TIO~I~£ THE COL"" TRY"\ IDE ILLH;lTnr\ If
Jul ',1 07 C5.56a Cancice Koral
7 - ),3 '(.' I or::· 3h. ,,75-5230 p.1
. ,-:,-.:',')
'!'>"f I i i'L.p,. ~
.:.. 1-lLJ
~~C-050
.~
, "';-V~I.=Y;;;:; ;:.;.q:T'1"'.'.q~;1.. ';"'~N~'r ,"/.,:.., .:.. ~~ ;;;.;.' "",.,....;-,r, ".,0 ~e~'3} H.;r ,.';.?)I(.- .';;,.,; ~ Y
r. JO:3-EPH ZE.RNIK
320 SDUTH. PECK
BEVERLY ¥JLLS C A 9Q2 12
DR1\E
F ttl I~: 0
\ \;1, ;11 i'",,1 1'1 R I' lP COl R \'
! I" ':
1r,n')<~~n;: )1(j:35~lOi . ~M>.C(Cp<.?.. ~ 8019980911
I, ','.', ,'r"'~'-' ~.,-.~ JZ t 2 ,45i~edrt~ll!lk net
..TICI' .ii· F~' ',,~.. JO:.:;::i'H ZERNIK
'I 1 \ I\(j/
S1..?ERICR CCUl'\i CF C~l\I'Ol'q.lt.lt COUNTY OF LOS AN GELES H'i, ,;I\ilK\, ,=:I.EF'K

nE;::-~::>"SSS
". _,~ ~~""C',
1725 MAIN STREET
PO BOX 958
r, \, ' _ ~ '
lW ~~~'\..~~--- c1."PUT't
(,;--· ....'0 :l'CC:;C SANTA Y!ONICA. CA 90401 !
e:Pi-"'CI'f '",;..':~
CASE i'lN.1E,
SA",L-\..;\1'< " ZER.t-;jK '~~YFAX

Cr'se: ~ '.1f:l€"·
SUBSTITUTION OF ATTORNEY-CIVIL
(With<lut Gourt Order} SC 0&7400
n',E COvRi AND ALL PARTIES ARE NOTIFIED THAT (.~"m,,). JOSEPH ZER"lIK mekeslh& follcwil'lgl lo,h&ti11,iti.:Jn
, Formerlf!oal rell...l:eIltliti-Je Party represen'Jld $l}1f 0 Atl:cm&y <nllmeiG RICHARD 0 GREE:'-:
2, New If/gal repre:seRtalive lL.J Pllrty;S ....presflm!",a ....1,. Altcrney 0
li. N.ame' JOSEPH ZERNIK b, State Bar No, (d l1pplic~bI.)'
c. AddA>"" (nurnber. s/ff>er. city, ZiP, BtKi "a" form ,"sm", ," .~p'i;.e!.;.
320 SOGTH PECK. DRIVE

BEVERLY HlllS CA 90212
d, Tel"phofOll No, (in dud" "ruacoder. :l10435 9\07
3. T'1e pal1'f making tnis ~ub5'itutjQn Is II 0 pl",n~tf [2] de~no",n! 0 pejtionflr 0 r"":lonc!ent Cl other (spt:d,"y).
"NOTICE TO PARnes APPLYiNG TO REPRE~ENT THt:MSEL.VeS
• Guardi.a11 • ~rs6n" ReJll'esentatiVtI • Cl.Ial'di.an ad litJom

• COl1~ervatDr • probale llduciary • U nlnC;QrPQf'JteCS
-Trus'- • CorpOfation a~:I01i'i1tion
If yoU ~r. ;l.pplylne as on .. rrfth"'p.a~5 on this li~t, .''.10 may NO, a~l as yoU" own ;It!.nrneyln mostcllSes. Use this form
to 5UtlStll\lb: onll atlDmeyfor ano!tler attorney. SEE K LEGAL ADVICE BEFORE APPLYING TO REPRESEN, YOURSELf.
NOTICE TO PARiTE$ WITHOUT A TTORNEYS ~. ~

A party reprl:'enting l1irrtself or herself rrnw Wlsn to se.lIleglil ISslSUtnct. Failure to rake
1
time-ly ilnd a~prollt1at= action In this cue may re5'lltin serious legal consequences.
.:
JQSErH
I c.o"l'Cn! to this "ubs!iWlion.
Dat~ JlLY 8. 2007
ZEfu.~IK ~
~~~£~
r'~e ::l'l r;;;:JT :'I.IIil:\ iSl3~Ac~e.J~ P~rvi
~/~
5,0-1conse-nt!c ~i& S'..Ibstit..dion.
o~~' Jt;LY ~ 2007
(J RICHARD GREEN
(T'Pf CR ;><;,1<. '''\'l!\ (~GU~I.JR~ ':;1J: ::of\'''ER "-;-:-O-:NE'-1
o.~ I <;()n~E'nttt thl$ s-.lb~~tion,

Oa~;
Jt:LY 8, 2007
JOS EPH ZE'RNIK
=~r., )..~~t~ ,~~ ~)~rr."

~ueCf.>...::.t-~ r;.... ~'I·W.A
LSf
~~~~P~l"'T i'VI~t::':J
,~-~----
~ re~rs~
SUBSTITUTION OF ATTORNEY-CML
•
for pr<::oro' servlca by maS)
.~LPE C& ·tE~·.·~TT~~'·i' ~
"""'I(lI~
~-:<::#-;f('-'r,1 F'r..~:rj.~ ~!~e~:~ :-~~.

",,-,-.-,-:.-r.-.--:-"-'.-,-.-,---'1 ~e'. e u ~!'~~._~:~~ ~~~:

~~-:~:r:e~.1 J ..... ¥~-I·,.:2'~tJ."J {Witt1 ~t Court Order)

, J" .. ~t1, ..••" ""..;.. ~ I
375 / 745
Joseph Zernik
11/ Pro Per
.2 320 S. Peck Avenue
~
Beverly Hills. Cali l(Jrnia 90212
-)
Tel: (310)-.+35-')\07
Fax: (ROJ) 998-0917
4
:; PROOF OF SERVICE
ST.\TE OF CALlFOR:'JIA
6
COCNTY OF LOS A~GELES
~)
7
1 am ~mpIO\~d in the Los An~eks County, State of California, 1 am (~cr the alle of
8
18 years and not a "party to the action: my business address is: 1)-], _ 5- if [j J2vt\{( Sf f:1V!S
9 .. [c ') ~'\{,J(' If' s, t>t C( C<J I z-
10
On July il-, 2007, r served the foregoing document described as:
SUBSTITUTION OF ATTORNEY- CIVIL
11 This document was scrvcd on the interested party or parti~s in this action bv placing a
true coPY thereof in the firm's mail. enclosed in a scaled envelope. and addressed as noted In
12 the attacned mailing list.
13 (>(l 8Y:'vIAIL: I am familiar with processing correspondence fDr mailing. {'nder that
practice it i,s deposited \\ it~ the .U "~' p(?st?' Service. on that same ~ay \yith postage thereon
14 fullv prepaId at Beverlv 1-1 tI Is. California In the ordinary course ot bUSiness. I am aware that
on itlOtion of the pa.rty"served. service is presumed invalid if the p'ostal c!1n~e1lati~)~ da.te or.
15 postage .meter date IS more than one \vorklng day after the date of depOSit for mailing In thiS
declaration.
16
[ 1VIA fACSIMilE: I caused all of the pages of the ahove entitled document to he sent
\7 to the recipients noted above via e kctron ic transfer ( FAX ) at the facsim ik number as noted
in the attached mailin¥ list This document \'vas transmitted bv facsimile and transmission
18 repol1ed complete witnout error. .
19 [ ] BY PERSONAL DELIVERY: [ delivered such envelope by hand to the offices of the

addressees noted in the attached mai 1ing list.
20 Executed on .July 11. 2007, Los Angeles. California.
21 .r declare under penalty of perjury under the laws of the State of California that the
above IS true and correct.
22
23
24
25
26 i:. ('. ('~ . i~

JIJ~<" .
27
28
-- - ------- - -- --P1:0~)r;)i\cn icc
Sf RS II 1-\ IT (iRI.~:\; [() lFR'dK
Ca,c \;(1 SClIX 7 W()
-1-
376 / 745
I
J \1AILI~G LIST
4
CASE NAME Samaan v Zemik
5 COl'RT LAse \Vest District. Santa Monica
(';\SE 1\0. SC 087400
6
7 1. Counsel for PiaintiffNIV1E SAMAAN:

8 :\'loe Keshavarzi, Esq., Philip A. Davis, Esq.
SHEPPARD ,\;lULLIN RICHTER & HAMPTON I.LP
9 33~ ~OUTH HOPE STREET
48 I FLOOR
10 LOS ANGELES. CALIFORNIA 90071
FAX: (213) 620-1398
11
2. Counsel
12 1 1for aCross-Defendant
na' COLDWELL BANKER RESIDENTIAL BROKERAGE
.-.-----------....
Counsel for Cross-Defendant MICHAEL J. L1BO\V:
13
Robert.J. Shu/kin, Esq.
14 THE LA W DEPART\lENT
CO[~DWELL BANKER RESIDENTIAL
1'\ BROKERAGE COMPANY
11611 SAN VICENTE BLVD gill FLOOR
16 LOS ANGELES. CALIFORNIA 90049-6510
FAX: 310447 1902
17
18
19
20
21
II
I'
--'
24
25
26
n
28
Pl\i\ 11' () (~"H.:n iet::
Slr~STlTl'IF (,IT'\' TO /1:R'\'IK
- '- Ll'c \;" SlIJX/..IIJ(J
377 / 745
, .
~;1l1torll~l '('\'~tatl' 1>1 ar "...... 0. 1')~'J'J())
--J , 1Jti' (> _
Todd\. Boock (C\ Srate Bar :\0. 1H19.1.1)

<:( :2
5~~() La~ \'irgene~
, Road, .\IS: .\C-II
:2: ..,
- -'
(~~11aba~~1~, California <) 1.')( 12
Telephone: (H I H) H-1-()( )()2
<.D
-CL:: ..f 1'ac;imile: "K I Hi H-1--l-(l()() F II.JE1)
LO;;; .... $;1:1 ;:-;-;1 ;'Ir<l( lP ('(1~ 'lIT
5 BRY\:\ C\ \'/<: LLP
C) :' ! 1 "r: / l ,;
john \\'.\mbcrg (C\ ~rate Bar \Jo, IIJKloo)
()
Keirh D, k.leln (C\ State Bar No, 1H-l-K-l-o) . Jr'IIN A. t.·LNlkf:, ~;U_fif\
7
[enna '\[olda\\·h (C\ ~tarc Bar No, 2-l-G1()())
12U Broadway, Suire )()()
ciY . C'~\"i)
..
\",-"
~ -
~'.~--
O[',"ury
Santa .\lonicl, California $(J4() 1-2380
8 Telephone: (3lO) S""0-2l()()
l'ac~imilc: (31ll) 5:'()-22()()
9
10 II Attorneys for Countrywide Home Loans. Inc.
II
<0
co SLiPI':RIOR CO(:RT ()Io' THE ~T\TE Or: C\JJH)RNL\
O'l
N
12
00 Hm. '1'1 II,: COl.'.'\:TY CW LOS\\;CFLFS, \'\'EST DISTRICT
o <t
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U ~ :::i Plaintiffs, ) Hon. Jacllucllne .\. Connor
z c < 15
< - 0 •
II: II: <
)
III III ':! \'s. ) File Date: (ktoher 25, 2()()S
o Z 16
-
N 0
~ ) Trial Date: September "7, 2()():
<
I-
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17 I( )SI'~PH /Y.R,,\;IK, et aI., )
<
11l ) NOTICE ()F .\10TIO~ .\1'.'D ~[OTION
18
Defendant~. ) rOR"\ PROTECTIVE ORDER;
19 ) ~IE'\10R_\NDC'\1 OF POIi\TS .\;'\iD
) .\UTHORITIES; DECL\R.\TION 01;
20 ) TODD .\. BOOCK; DECL\R_\TION Ol-'
) .[OH.'-: W .. \\1BERC; IPROPOSFDj
21
) ORDER THERFON
22
Date: ruly 2.\ 2()()-
23 Time: H:)!) a.m.
Dept: \'\'1-':1
24 - - - - - - - ..- - - - - - - - - - - - - - - -..
2S
26
27
28 II
()-t;] -" -
378 / 745
Court File: "Volume IV Continued" .\IOr!C)'\J FOR .\ PROTFCTI\T ORDER
TABLE OF CONTENTS
,-
...,
.J
l. I'\.;"1'RC)1) L' Cl '1 () ~ "" ,." .. " ,.,. "" " .. ""." " " " "" " ..
4
II. l··.\(~·I·l'.\J" B.\(:KC;ROL·:'\JD S
5
.\. /ernik's Communications with Represented Countrywide Emplo~Tes.. "."" ...... ". S
6
B. /ernik's Communications with Personal"\ssociates of Countrnvide
7 [ ~mpl( lyees " """ .. " " " "." " " " ". "" .. " 7
8 C. I:ernik Continues His Harassment By "\ttempting to File an .\mended Cross-

9 Complaint .\gainst Country\vide and Its Employees " ""." .. " " .. ,," 9
1011IlI. THl·: COL1RT H.\S BRO"\D .\UTHORITY TO GR"\~T .\ PROTECTIVE

ORDER TO REGUL\TE DISCOVERY PR.\CT1CE .\ND PROCEDURE lO
!D
11
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22
23
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27
28
II (,~ ~ 1- ~ - _1_
379 / 745
Court File: "Volume IV Continued" \IOTTO:\ rem.\ PROTECTT\T ORDER
1 Pag
-,
J
Cases
4 hlnthill Properties ". J"on / Copky Corona \ssociates,
-t(l ( :al. \ pp. -tth 15-t.2 (.2001) 11
5
hdkr Y. ~uperior Court,
6 x~ Cal.\pp. -hh .209 (.2(lOI) 10
7 CT, Inc. ". The Superior Court of Santa Cruz,

151 Cal.\pp. 3d -'+8 (19H4) 11
8
Harris Y. Superior Court,
9 .) Cal. .\ pp. -tth 661 (1992) 11
R.S. Creatiye, Inc. ". Crcatin~ Cotton, Ltd.,
10
75 Cal. .\pp. -tth -l-8G (1999) 10
<ll
11 Ryan ". Superior Court,
(0
(I') IHG Cal. .\pp. 2d H13 (1%0) 10
\" 12
00
o <f ToshIba .\mcrica Electronic Components, Inc. Y. Superior Court,
(I') 0
III Ol 13 12-l- (:al.\pp. -tth -(j.2 (.2004) 10
Il.
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a: 14 Statutes
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z c « Cal. Code Ci,'. Proc. § .203 1. O(jO(b) 10. 11
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26
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380 / 745
Court File: "Volume IV Continued" \fOTIO,\: FOR .\ PROTECTIYE ORDER
TO .\J.L P\RT1E~\:'\D THFIR .\'[TOR:'\EY~ 01; RLCORD:
I
- PLF.\~F '1'.\[":.1': :,\OT1CE that on Jllly 2.1, .:WIl- at ~:3() a.m., or a:-; :-;oon thereafter as
..") the matter may be heard, in Department \'('E1 of the Los\ngeles ~uperior Court, \'('est
~ Di:-;trict, located at t e 2'=; \[ain ~treet, ~anta ~donica, California l)() ..W l, Countr:-\\'ide Home
5 J,oans, Inc. ("Collntt\\\'ide") \\·ill and hereby docs moye for a protectin order directing
6 Defendant.r meph Zernik ("I:ernik") to communicate solely with Country\vide's designated
7 legal counsel regarding this action, and not with the compam'\ represented officers and
8 empl( l\Te:-;. (:ountrnvide preyiou:-;Iy sought this :-;ame narrowly-tailored relief by ex parte
9 application on July CJ, 2()()-, and \va:-; directed bv the Court to file a noticed motion.
10 .\ prorectiH order should be issued because Zernik has engaged in a conrinuing
(l)
11 campaign of harassment against Countrywide and its officers and employees, and shows no
al
(Yl
':'I 12 signs of stopping. Despite numerous requests by Countrywide that he not contact its
00
o 0:
(Yl 0
w ell 13 represented officer:-; and emplmces directly, two cease and de:-;i:-;t letters, and notice of the ex
.J __
11. I- '"
.J "
w en za: 14- pane app licatlon, /.ernik has persisted in his improper course of conduct.
>
'" ,.• ...0
u '~" - .J
z c '" ]5 .\ r the reLjuest of Zernik\ counsel, and in the intere:-;t of avoiding further law and
'" '" u•
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a: a: '"
(II (II ~
o('\I 0z 16 motion before the Court, Coumrywide proposed a stipulation on July 6 under which Zernik
- ~
'"
I-
Z
17 would yoluntarily agree to the same limited rerms as Count0,v'ide had sought in its e.\." parte
'"
III
18 application - namely, that I:ernik would not communicate directly with represented officers
19 and emp]oyee:-; and would direct any communications to Countr:-,vide's designared counseL
.20 H()\VTVTr, the stipulation was ignored, and within 4R hours, Zernik had sent new emails
21 directly to C:ountr:-'wide\ officers, \vith copies to others in the local business community.
22 '1'hi:-; \lotion is brought pursuant to Code of Civ'il Procedure sections 2()23.01O and
7"
~-' .21l') 1.( J(l() on the grounds thar good cau:-;e exists for the issuance of a protecriv"e order
24 becall:-;e /ernik: (1:; has repeatedh' communicated with represented Count0\\'ide employee:-;
.25 about rhe :-;ubject matter of this litigation; (2) has refused to communicate solely with counsel
.26 for COUI1t0\\'ide, despite Count0wide's repeated requests; and (3) has made offcnsiYe,
27 unfounded, and libclou~ statements about Countrywide's business practices and procedures
28 to busines~ and personal associates of Count0"wide's officers and employees during the
(l~)1-_).7 7
381 / 745
Court File: "Volume IV Continued" ;\lOTIO:\ FOR"\ PROTECTI\'E ORDER
discO\'en' process. Count0\\'ide responded in good bith to all four of !'ernik's third-party
1 SubpOt.'l1'.1S for documents, and has stri"ed to maintain a professional "'orking relationship
3 "'ith /.ernik. f !owenr, /ernik's repeated improper communications with represented
4- persons other than Countrywide's counsel has made this extremely difficult. Thus, !'ernik
5 should be ordered to communicate only with Count0'\\'ide's designated counsel.
6 Countrnvide appeared ex parte on this matter on .I uk 6, and, per court order, now
7 reguests a protecti"e order "ia noticed motion. This ~lotion will be based on the Notice of
8 \lotion and \Iotion, the .\lemorandum of Points and .\uthorities and the Declarations of
9 Todd .\. Boock and John \\'..\mberg attached hereto, the \proposed I Order lodged
10 herewith, the file and record in this action, and such other and further oral and/ or
Il)
11 documentan' C\'idence as may be presented at the hearing on this \Iotion.
<Xl
C'l
~ 12
00
o <:
(t) 0
D.\'1'FD: July 11, 20U; Respectfully submitted,
W III 13
Q. _ <
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w 11l IX:
14- BRYAN CAVE LLP
> >~
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U ~ ~
John \V..\mberg
~,. ~0 u• ]5 Keith D. Klein
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.\ttorneys for Country\vide Home Loans, 1nCo
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382 / 745
(,.j) I ~',- 3
Court File: "Volume IV Continued" \10'1'10\) FOR.\ PROTECTI\'E ORDER
MEi\lOR/\NDI '\1 OF POINTS AND AUTHORITIES
.,
- L Introduction
3 Countrywide Home] JXlnS, Inc. ("CountrY\vide") is not a party to this L1\\'suit, but
~ (:ountr} wide and its officers and emplm"ees arc the targets of a campaign of harassment by
5 Defendant Joseph !'ernik ("!'ernik"). Countrywide respectfully requests that the Court issue
6 the carefulh"-tailorcd and limited protcctiYC order lodged here\vith, which directs Zernik to
7 communicate solely with Count0\vide's designated legal counsel regarding this litigation, and
8 not with the company's represented officers and employees.
9 Through its in-house counsel, Todd .\. Boock, Count~\vide repeatedly requested
10 !'ernik to communicate solely with its designated legal counsel. It has been forced to write
III
11 two cease and desist letters because Zernik has not honored these requests" Countr)wide
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13 of limited relief Countrywide is seeking by this i\Iotion, as a way of a\'oiding further law and
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17 dispute, Count~"wide had no alternative but to file this i\lotion for Protective Order.
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18 !'ernik attempts to justify his harassing emails by making several contradictory and
19 unsupported claims. First, he claims that Countr}'\vidc did not comply \vith his discovery
20 requests. Hmveycr, if !'ernik believed that Count0"\vide had not fully complied, he could
21 haH filed a motion to compel, but neHr did so. Second, he claims he is not seeking
22 discm"ery, but is conducting an imTstigation. Howenr, this is contradicted by his so-called
23 disc()\Trv cost-benefit analysis; moreonr, the argument is frin)lous since ,\ngelo \Iozilo,
24 CC)1.lI1try\\"ide's Chairman and Chief !':xecutin: Officer, and Sandor Samuels, Count0'wide's
25 Chief J.egal Officer, the officers whom !'crnik has bombarded with threatening emails,
26 letters and phone caUs, ha\"c had no contact \\"hatsoenr with this casc and no personal
27 knowledge or information. Zernik is also t~·ing to compel Countywide to sign a declaration
28 attesting to "facts" that the compan}- disputes, but Count0\vide has no obligation to proyide
383 / 745
(d~)-;."" -l-
Court File: "Volume IV Continued" \IOTlON FOR A. PROTECTlYE ORDER
a false declara tion.
2 II /'ernik ha~ cxpres~ed no intention to cea~e hi~ harassing beha,-ior, dc~pite
3 II Countr:'wide'~ repeated rellue~t~ and two cea~e and de~i~t letter~. Indeed, as /'ernik'~Ju"- 4
4 II and.r uly 9 defamatory email~ to Country\\-ide's officer~ demomtrate, his campaign of
5 II haras~ment has escalated since Counrnwide has sent it~ fir~t cease and desi~t letter and
6 II notified him of its intention to seek a protectin:- order. Therefore, for good ClUse shown,
7 II Countrywide re~pectfulh' reque~ts the Court to issue the narrow-drawn protecti\'e order
8 II lodged herewith, which would direct Zernik to communicate solely with Countr:,\vide's
9 II designated legal counsel regarding this lawsuit, and not with the company's represented
10 II officers and employees.
(l)
II I I. I-actual Background
III
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~ 12 .\. /'ernik'~ Communications with Represented Countr),vide Employees.
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17 should direct all communication to him. Declaration of Todd "\. Boock ("Boock Decl."), '1
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18 2, F'i:.. \. I.ernik replied \'ia email that if ~1~. Garcia supplied her attorney's email address, he
19 would forward communications to her attorney. Boock Oecl., ~ 4, Ex. B. In his email,
20 I.ernik also threatened ~ls. Carcia with "consequences," including her paralegal licen~e and
21 e\Tn su~<!;ested she retain her own attorney. Iel.
"
~-'- That same day, 0brch 28, 200', Boock sent /'ernik another email, specifically stating:
,'"
-j "I represent \ls. Carcia, and I again reiterate that any communications to Counrn'wide or its
24 employees should be directed solely to me." Boock Decl., ~ 5, I':x. c. Bowen'r, on '\[arch
y
-) 29, 2()(),"', Zernik left senral \'oiccmails for ~1s. Garcia relating to the litigation. Boock Ded,
26 '10. Lernik sent another letter to Boock on .\larch 29, 2()(F, copying not only .\lariela
27 Carcia, but also ,\ngclo .\!o7ilo, Count0'\vide's Chairman of the Board, and ~anJor Samuels,
28 Countn,\'ide's Chief Legal Officer. Boock Decl., ~ 6, Lx. D. I:ernik also contacted two
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384 / 745
Court File: "Volume IV Continued" ,\lOTION FOR ,\ PROTECTI\T ORDER
indi\-iduals in the Countrywide customer sen-ice department, :\ athalie (~ucsade and _\kerta
'I lhyliss, and attempted to interrogate them and encourage them to make various admissions
"
.J about CounrDwide's business practices. Boock Dec1., ~ -. In response, Boock sent another
4 email to /'ernik, asking that he refrain from contacting Countrywide employees. Boock
5 Ded, '1 ~, Lx. L .. \round this time, Zernik was leaving daily \'oicemaiIs for :\k Garcia,
6 sometimes seHr:l1 each da\'. !,ernik also left Boock lengthy Hlicemails intimating fraud.
7 Boock Oecl., ~ 9.
8 /ernik refused to comply with Countt;.\vide's request to contact Boock directly.
9 Prior to late \Iarch or early, \pril, Zernik repeatedly called Diane hazier, a former
10 Countt;.\vide underwriter, about the subject matter of this litigation. Boock Decl.,~ 11l.
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11 II /'ernik informed :\1s. hazier that he had done a background check on her, and told her that
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17 II asking him to communicate solely with Count1)\vide's counsc! regarding all matten; relating
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18 "to this case. Boock Decl., ']11, Ex. f, G and H. On ,\pril 14, :?UO'7, Zemik specifically
19 "demanded to meet wi th ;\ Iarie la Garcia personally. Boock Ded., ~ 12.
20 " I;urthermore, I.ernik's communications to Boock and other Countf!\vide employees
2 I II han' become wholly inappropriate and insulting. In his June 15, :?OO-' email, /'ernik attacked
'I, II the \\'aY Boock practices his religion, claiming it was "disgusting," and that he was "appalled"
23 II by the lawyer's request that I.ernik continue an ex parte hearing for one day so that Boock
24 II could ,Htend a PaSSOH'r seder with his family. Boock Dec1., 'j13, Ex. I. Zernik berated
25 II SamlH:ls' religious practices as "disgusting" as \vell. Id.
26 II /.ernik's efforts to harass Countr;.\\-ide employees h<1\'c not ceased. On June :?,),
27 II :?ll()-, J:ernik emailed \ngelo :\Iozilo, Chairman and Chief ExecutiH Officer of
28 II C(Junm-wide. demanding that he personall\- ensure that Zernik recci,-e a declaration
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385 / 745
Court File: "Volume IV Continued" ~IOTION FOR .\ PROTECTIYE ORDER
regarding the production of documents. Boock DecL, '114, Ex. J. On June 25, 2()IF, I'.ernik
.,
- em~lilcd Sandor Samuels, CountrY\\'ide's Chief Legal Officer, demanding the same relief.
-,..., Boock Ded, '114, Ex. K. Zernik again contacted :-'107ilo and Samuels regarding this
4 litigation on Iune 29, 2()();. On IulY 4, 2OCP, Zernik sent new emails to Samuels, attaching
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5 purported press releases containing potentially libelous statements about the compam"s
6 business records. Boock Ded, '119, Lx. ~ and O. ;"[ozilo and Samuels ha\'e had no
7 innlh-ement in the case, and ha\'e no personal knowledge or information; consequently,
X Zernik's emails to them sef\'e no legitimate purpose and are purely harassing. In short,
9 Zernik has not refrained from communicating directly \\ith represented Count0\\ide
10 employees regarding the production of documents. I
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11 R. L.ernik's Communications with Personal and Business :\ssociates of
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13 Zemik has extended his harassment of Countf\\vide and its oHicers and employees to
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17 renect his lack of any serious purpose and utter disregard for the reputation and dignity of
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18 the persons inn)h'ed.
19 hn example, Zernik has targeted a charitable organization affiliated with one of
20 Count0'wide's employees, as well as a rabbi at the employee's synagogue. OnJune 26, 2()()7,
21 Zernik sent an email to Samuels and copied Rabbi Joseph Shusterman, questioning Samuels'
22 commitment to tighting real estate fraud. Boock DecL, ~ 15, r·:x. L. On or around June 27,
23 21)( e. /,ernik left a letter for Countrywide's Chief Legal Officer Sandor Samuels at Bet
24 Tzedek, a charitable organization where Samuels sef\'es as President. Boock DecL, ,r 16.
2S
I I:crnik also impcrmissibh' seeks disco"Cf\ after disc()\'ery is closed. In his email dated June 15,
26
200""', Lernik indicated that disconry in his case had been cut off. Howenr, 7:ernik demanded that
27 Countrywide produce documents on June :20, :2007, after the dlSCo\Tf\' deadline. His continued
pursuit of disco\'et;; after the deadline is thereb\' improper and harassing.
28
386 / 745
(1-+)1~; ~ 7
Court File: "Volume IV Continued" ~[OTIO\i FUR.\ PROTECTIYE ORDER
\Jditionall\. on or around June 28, 2()() '"7 , I:ernik personally contacted a rabbi at Samuels'
! synagogue, Rabbi Joseph Shusterman, in an attempt to discuss the present action. Boock
., Dec!., ~ 1~. During the unsolicited meeting, it is Country\vide's understanding. that Zernik
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4 made otlel1sive remarks about Count~\vide's alleged business practices and charged that the
5 company \\"as engaged in fraudulent behavior. hi Zernik again wrote to . \ngelo :\Iozilo and
6 S;lndor Samuels onJune 20, 21Hr'. Boock Decl., '118, k".:\1. He copied RabhiJonathan
7 Bernhard, Rabbi Joseph Shusterman, The Honorable R. \X'illiam Schoettler, and "others in
8 the legal and Jewish community in Los "\ngeles." Id.
9 This pattern of harassment continued even after Count-0\vide notified Zernik on.J uly
10 .') of its intention to present an ex purte application for a protective order. In apparent
to
11 retaliation, on the July -I-th holiday, Zernik sent nvo outrageous emails containing potentially
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13 Sandor Samuels. The subject line of the emails states: .\SK S. \N DUR
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17 Fraud." hl The press rc!ease falsely asserts that "the fraud was committed by collusion of
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18 Nivie Samaan and ;\Iaria \IcLaurin, Count~'wide Branch .\I;l11ager. In 200-1- i\IcLaurin and
19 Samaan also colluded in ,\lortgage Fraud attempt and in Wire Fraud." Id. They add that
20 "'\leI ~aurin also probably personally apprm'cd about SO.5 billion per year (!) in grossly
21 fraudulent gOHrnment-backed loans." hl The emails specitlcally mention Samuels'
22 im"olnment not only with Bet Tzedek, but also his position with the Ziegler School for
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.:..-' Rabbinical Studies. Id. The emails refer to the Bet TzedekJustice Ball onJul!" ~8, ~1)(j7, and
24 the charity's commitment to tighting real estate frauo. Id. The emails also admit that I:ernik
25 has approached Rabbi Jonathan Bernhard, Rabbi Joseph Shusterman, and The Honorable R.
26 \'rilliam Schoettler. Id. Zernik sent the alleged press release to at least one member of Bet
27 II Tzedek's bn;lrd of directors. Id.
28 II On July 6, 2(l()7, Count~\vide sent Zernik's attorney a cease and desist letter,
(J of) 1~ ') - 8
387 / 745
Court File: "Volume IV Continued" \IOTIO~ FOR .\ PROTECTlYE ORDER
demanding that Zernik refrain from harassing Countrywide employees and their personal
2 .l11d business associates, and stop publishing potentially defamatory statements. Declaration
3 of John \'\', ,\mberg C.\mberg Decl."), ~ 2, Ex. R.
-+ ,\!so on July 0, counsel for Count0'\vide sent Zernik' s counsel a proposed stipulation,
5 which prm'ided for the same limited relief sought b~' this ~[otion.. \mberg Ded, '1 '\ Ex. S.
6 Under the proposed stipulation, Zernik would simply agree not to communicate with
7 represented Country,vide empl<wees and officers, and to direct any communications to
8 Country,,'ide's designated legal counsel. .Id, Count0'wide sent this stipulation at the request
9 of /crnik's lawYer, and \vith the hope of :lYoiding further law and motion before the Court.
10 .hi Howen~r, /ernik ignored the proposed stipulation, and on July 9, he sent nc\'l emails to
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11 Samuels' business associates on the Bet Tledek Board of Directors, with copies to Samuels,
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17 fraud and wire fraud and of colluding with the plaintiff in this case to defraud Zcrnik. l<l., In
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18 response to this unrelenting harassment, Count0,,"vide was forced to send a second cease and
19 desist letter onJuly 9, 2007, demanding that Zernik's defamation cease immediately. Id.
20 II /ernik's emails are rife \'lith false and outrageous statements, and were orchestrated
21 II h\' him in an attempt to intimidate Countrywide and extort its compliance \vith his discoHry
22 II demands, and to compel it to sign a declaration attesting to umupported "facts" that it
23 II disputes, \s evidenced by these retaliatory emails, Zernik has no intention of ceasing his
24 II improper harassing beha\'ior. His actions haH only escalated and become more egregious.
25 II} lis beha\ior \vill continue unkss the Court steps in to impose some restraints on /ernik.
26 c I:ernik Continues His Harassment By ~ \ ttempting to hie an .\mcndcd Cross-
27 II Complaint .\gainst Countrywide and Its Employees.
28 II In an effort to further harass Countrywide and its employees, /ernik seeks leaH to
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388 / 745
Court File: "Volume IV Continued" \IOTIO~ FOR .\ PROTECTI\, L ORDER
file an amended Cross-Complaint to name Countrywide hnancial Corpornion and
')
- Countr\\vidc emplO\Tes \faria \fcLaurin, .\ngdo \Iozilo and Sandor Samuels as defendants.
-'" Boock Dec!., ~ 21 ..\pp,u-ently dissatisfied with c.:ountr\\\ide's proper discm-cry responses,
4 Zernik is apparently utilizing the threat of the Cross-Compbint as le\'erage to obtain further
5 disconry and to compel it to sign a declaration containing unsupported facts that it disputes.
6 I:ernik's amended Cross-Complaint alleges no factual basis for imposing any liability on
7 Count0'wide or its employees. I:ernik\ motion is set for hearing on .\ugust 9, less than ]()
8 days before trial. 1d.
9 lIT. The Court Has Broad .\uthority to Grant ~\ Protecti\"e Order to Regulate Discm'ery
10 Practice and Procedure
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11 "\1anagement of discOYC0' lies within the sound discretion of the trial court."
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~ 12 Toshiha .\merica I':lectronic c.:omponents, Inc. v. Superior Court, 124 Cal. .\pp. 4th 762, 767
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13 (2( )()4). "\\'here there is a basis for the trial court's ruling and it is supponed by the evidence,
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0 14 a revie\\'ing court \\ill nut substitute its opinion for that of the trial court." Id. at 767-768.
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15 hmher, "in all discm'e0' proceedings, a broad discretion is \Tsted in the trial court in
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16 granting or refusing to grant an order directed at discm"ery and whate\'er order the trial court
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17 may make may not be disturbed in the absence of an abuse of discretion." Ryan \'. Superior
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18 Court, 18() Cal. "\ pp. 2d 813, 817 (19GO); R.S. Creative, Inc. \". Creative Cotton, Ltd., "75 Cal.
19 \pp. 4th -I-W), -1-96 (1999) (with regard to discovery, courts ha\'c "broad discretion subject to
20 reycrsai unly for arbitra0', capricious, or \\'himsical action"); Fuller \". Superior Court, 87 Cal.
21 .\pp. 4th 299, ]0-1- (2()01) ("a trial court's ruling will be sustained on revic\v unless it falls
22 outside the bounds of reason").
;" The trial court has broad authority to grant protectin' orders. California Code of
--'
24 Ci\ il Procedure Section 2()] 1.0GO provides that for good cause shown, the Court "may make
25 any order that justice reljuircs to protect any part or orher natural person or organization
26 from unwarranted annO\'ance, embarrassment, or oppression." CaL Code Ci\·. Proc.
27 ~ 2m 1.1 l60(b) (emphasis added). Through a protecti\"e order, courts haye the power to
2R regulate disCCJ\"t0' practices and procedures, including specifying the terms and conditions by
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389 / 745
Court File: "Volume IV Continued" .\IUTIO~ fOR _\ PROTECTIYE ORDER
which di:;cO\Tr~' will be carried out. Cal. (ode Civ. Proc. § 2().) 1.()()()(b). Courts routinely
:2 grant protectin order:; in order to control the means and manner of disco\Tn' and pn.'\·ent
"j abuses of the discmTry proces:;. "The 'good cause standard' enables the trial court to
4 distinguish between proper use of discoYery and mi:;u:;e of di:;co\Try and to treat each in the
5 appropriate manner." CT, Inc. ". The Superior Court of Santa Cruz, 151 Cal. .\pp. 3d
6 . . , -H~,-:' 55 (l \)~41 (upholding protectiYC order which limited the disclosure of documents to
7 counsel only e,'en though the documents pertained to the merits of the claim); Harris v.
8 ~uperior Court, 3 Cal. .\pp. 4th 6(>1, 668 (1992); Fonthill Properties Y. Lyon! Copley Corona
9 .\ssociates, 46 CaL ~\pp. 4th 1542, 1558 (2001).
10 I-lere, good cause exists for the Court to grant a protective order. Throughout the
10
11 discO\Tn' process, Zernik directly contacted, harassed and hassled Countrywide employees
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13 Countrywide's in-house counsel, Todd ,\, Boock, repeatedly informed Zernik that he
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16 designated counsel, but Zernik refused. & Zernik has shown no indication that he will
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17 refrain from contacting any Count0\vide employee in the future. In fact, as recently as July 4
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18 and July \), he sent Countrywide's Chief Legal Officer Sandor Samuels copies of libelous
19 emails, and onJune 29, he sent .\ngelo ~[ozilo, Chairman and Chief Fxecutin Officer of
20 Countrywide, and Samuels emails regarding the present action, and copied Rabbi Jonathan
21 Bernhard, Rabbi.J oseph ~husterman, The Honorable R. \X'illiam Schoettler, and "others in
22 the legal and.Jewish community in Los .\ngcles." Boock Ded, ~ 1~.

"l"
.:;.j !'ernik has escalated his campaign of harassment after receiving Countrywide's
24 reyuests ,md cease and desist letters, and has rebuffed its efforts to settle this matter without
r
-) further b\v and motion practice before the Court. ,\s cyiJenced b~- his recent, continuing
26 emails, !'crnik has no intention of ceasing his misconduct. Therefore, C:ountr;.\vide has no
27 alternati\'C hut to file this .\[otlon for Protectin Order.
28
390 / 745
(,~ i I ~;- 11
Court File: "Volume IV Continued" .\ICHI00J FOR ~\ PROTFCTI\T ORDER
1\". Conc!miOl1
I rot the rea~on~ ~et forth herein, Countrywide re~peetfully rcyue~t~ that the Court
3 II cxcrci~e it~ inherent authority to regulate the conduct of the ca~e, and to i~~ue a protecti\-e
4 II order directing !'crnik to communicate only with Countrywide'~ designated counsel
5 II regarding the present action, and not with repre~ented person~ \\·ho are officer~, director~,
6 II ;lnd emp\O\Tcs of the company.
7
D.\TFD: July 11, 2()(); Re~pectfully submitted,
8
9 BRYAN CAVE LLP

John \X!. . \mberg
10 Keith D. Klein
Jenna ~rqldawky
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391 / 745
() ~ 11-=-,--= 12
Court File: "Volume IV Continued" .\lOTION FOR .\ PROTECTIYE ORDER
DECL\R.\TIO:'\ (W TODD .\. BOOCK
"l
I, Todd _\. Boock, declare:
-'" 1. I am an attorney duly licen~ed to practice law before the Courts of the State of
4 II California. I am coun~cl for Countrywide Home Loans, Inc. ("Countrywide"). I ha\'e
5 II personal knowledge of the facts set forth in this declaration and could competently testit\- to
6 II the follmving facts.
7 J On l·'ebruary G, 2()(F, I emailed counsel for DcfendantJoseph i'.ernik
8 CZernik") and requested that Zernik communicate solely with me or ~Iariela Garcia,
9 Countrywide's Custodian of Records, and no other Countrywide employees.
10 J. On ~larch 2~, 2007, in response to numerous emails and voicemail messages
(l)
II directed at ~laricla Garcia, 1 emailed Zernik and advi~ed him that ~ince Countr:,\vide is
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15 attorney's email address, he would fot\vard communication to her attorney. Tn his email,
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17 suggested she retain her O\vn attorney..\ true and correct copy of this email is attached
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18 hereto as Exhibit B and incorporated herein by reference.
19 5. Later that day, 1 emailed Zernik, specifically stating "1 represent ~Is. Garcia,
20 and I again reiterate that any communications to Countrywide or its employees should be
21 directed solely to me." .\ true and correct copy of this email is attached hereto as Exhibit C
22 and incorporated herein by reference.

J"
-.) (l. On .\Iarch 20, 200 i , Zernik left se\'eral \'oicemails for .\Is. C;arcia relating to
24 the litigation. He also sent a letter to me, copying not only .\Iaricla Garcia, hut also _\ngclo
25 \l07:iJo, Counrt;,\\ide's Chairman of the Board, and Sandor Samuels, COUl1t0'\vide's Chief
26 Legal Officer. .\ true and correct copy of this letter is attached hereto as Exhibit 0 and
27 inc< Jrporated herein by reference.
28 I am informed and belien that Zernik also contacted t\vo inc.!i"iduals in
392 / 745
(J--\. ~) -~.- 13
Court File: "Volume IV Continued" :"IOTIO~ HJR\ PROTECTIYE ORDER
Count0\\'ide'~ cu~tomer ~ct\'ice department, "\: athalic (~ue~adc and. \kerta Bayli~s, and
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attempted to interrogate them and encourage them to make yarious admissions about
.,
-' Countt\\\'lde's business practices.
4 ~. That same date, \Iarch 29, 20W, I sent another email to Zernik, asking that he
5 II refrain from contacting Countrywide employees. .\ true and correct copy of this email is
6 II arrached hereto as Exhibit F and incorporated herein by reference .
7 0. .\round this rime, I am informed and belie\'e that Zernik was also lcaying
8 II numerous \oicemails for \Is. Garcia, sometimes several each day. Zernik also left me
9 II lengthy \"oicemails intimating fraud.
10 lO. Prior to late :"Iarch and early .\pril, I am informed and bclie\'e that !'ernik
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11 repeatedly called Diane Frazier, a former Countrywide underwriter, about the subject matter
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18 sent emails to Zernik (Jt1 .\priI2, 2007, ."-pri! 13,2007, and .\pri! 16, 20U7, again asking him
19 to communicate solely \vith me regarding all matters relating to the litigation. True and
20 correct copies of these emails are attached hereto as Exhibits F, (; and H, respectinJy, and
21 incorporated herein by reference.

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.:....::- 12. On .\pril 14,200"", !'ernik specifically demanded that he meet with \Iarie!a
23 Garcia personally.
24 L). On June 15, 20()7, I receind an email in which Zernik attacked the way
25 pr:1uice religion, claiming it \vas "disgusting," and that he was "appalled" by m~' request for a
26 one dm' c()ntinuance of hi~ I!Xpdr!t: hearing so that I could attend a PaSSo\Tr seder \vith mr
27 famil~'. In the email, Zernik berated Countr~-widc's Chief Legal Officer Sandor Samuels'
28 religious practices as "disgusting" as well. _\ true and correct copy of this email is attached
(,nl-, - 14
393 / 745
Court File: "Volume IV Continued" '\10TIO~ FOR ~\ PROTECTI\T ORDER
hereto a~ Exhihit I and incorporated herein by reference.
1 14. On June 23, 20W, 7.ernik emailcd .\ngdo )'102ilo, demanding that he
.,, personalh' ensure that Zcrnik recei\Td a declaration regarding the production of documents.
4 On J unc 25, 20U;, Ler111k emailed Sandor Samuels, demanding the ~ame reuef. True and
5 correct copie~ of these em ails are attached hereto as Exhibits J and K, respectively, and
6 incorporated herein by reference.
7 15. On June 26, 200 7 , Lernik sent an email to Sandor Samuels and copied a rabbi
8 at his synagogue, yuestioning Samuels' commitment to fighting real estate fraud. ,\ true and
9 correct COPy of this email is attached as Exhibit L and incorporated herein by reference.
10 1(>. On or about June 27, 200 7 , I am informed and beliC\'e that 7.ernik left a letter
11 for Count0\vide Chief I ,ega] Officer Sandor Samuels at Bet Tzedek, a charitable
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18 RabbiJ()l1athan Bernhard, Rabbi Joseph Shusterman, The Honorable R. \X'illiam Schoettler,
19 and "others in the legal and Jewish community in Los .\ngeles." ,\ true and correct copy of
20 this email is attached hereto as Exhibit ),1 and incorporated herein by reference.
21 1(J. On July 4, 2(l07, Zernik sent two email~, including attachments, to undisclosed
22 lTclpienrs, \\·ith copies to Sandor Samuels, Chief J,egal Officer for Count0,vide. The em ails
I'
--' bore the ~ubiect line ·'PLE.\SF .\SK S.\:'\:DOR S.\~ICELS TO STOP RE\L Jo:ST.\TE
24 l'R \ LT)." The emails contain purported press releases, which state in part: "For
25 I~I~IEDIATE RELEASE," and contain the subheading "Countrywide's Mozilo and
26 Samuels Complicit in Real Estate Fraud." The emails contain numerous blse statements
27 implicating Count0'wide officers and employees in alleged real estate fraud. I am informed
28 and be1ie\T that J:crnik sent the cmails to at least one member of Bet Tzedek's board of
(J-t; 1- ') ~ 15
394 / 745
Court File: "Volume IV Continued" .\fOTIO:-.J FOR .\ PROTECTIYE ORDER
directors. True ,Ind currect copies of these emails are attached hereto as Exhibits Nand 0,
I rcspectin:l~', and incorporated herein b,' reference.
.'" ~(). OnJuly (), 2()()~, Zernik sent two more emails to the Bet Tzedek Board of
4 II Directors and other Countrywide business associates, as well as other undisclosed recipients.
5 II The emails proclaim: "C.\LJ J~C FOR S.\\IUELS l\I.\IEDL \TF RESIGN. \TIO\J
6 II I:RO\I BET TZFDFK'S BO.\RD OF DIH.To~CrORS/Samuels\lust be Held "\ccountable
7 II for the IL.'\' edf1e] roiling on Friday. That hling Itself Renders Samuels LTnfit for President of
8 II Bet Tzedek." The emails also allege that Countrywide is complicit in mortgage fraud and
9 II \\'ire fraud, and largely mocked Samuels' inyo]nment with the Bet Tzedek organization,
10 II claiming that he is unfit to serve as President. True and correct copies of these emails are
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11 attached hereto as Exhibits P and Q, respectively, and incorporated herein hy reference.
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12 21. Zcrnik is currently attempting to file an amended Cross-Complaint to name
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14 \lozilo and Sandor Samuels as defendants. The hearing on his motion is noticed for c \ugust
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16 1/ Despite 7.ernik's statement in his Opposition to Countrywide's E'\: J>ilf1e
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17 \pplication for a Protecti\T Order [p. 3, line 28 to p. -1-, line 1], Countrywide ncnr
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18 II contirmed that the alleged October 26,2004 Country\vide Underwriting Decision/Condition
19 II J ~cttcr \\'as not part of Plaintiff Niyie Samaan's loan file.
20 23. Countrywide fully complied with all four of 7.ernik's document subpoenas.
21 II (:< luntt-:-'\\'ide did not engage in any dccepti\'e practices \vith regard to 7,ernik's document
T) II suhp( lenas.
23
24
25
26
27
28
395 / 745
U'I-)~ 16
Court File: "Volume IV Continued" ~10TIO\i FOR .\ PROTFCTIYE ORDER
24. On many occasions, counsel for Countrywide attempted to meet and confer
2 with Zernik and to ensure that he was satisfied with Country"\\ide's compl1ance \\ith his
3 document subpoenas, \\ithin the bounds of our legal obl1gations and duties to Country\\ide,
4 and its ufficer, emplcwees and customers.
5 I declare under penalty of perjury under the laws of the State of Cal1fornia that the
6 foregoing is true and correct.
7 Executed this 11 th day of July, 2007, at~j;?J({JtrJ ,California.
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396 / 745 ~fOTION FOR A PROTECTIVE ORDER
DECL\R.\TIO\; OF.!OH0: \\'..\:\IBFRG
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L lohn \V. \ mbcrg, declare:
.'" I. I am an attorne\' duly licensed to practice law before the courts of the State of
4 II California. I am a partner in the law firm Bryan Caye U >P, and am counsel for Countrywide
5 II ome J nans, Inc. ("Countrywide") in this matter. I haH personal knowledge of the facts Se
6 forth in this oeclaration and could competently testify to the following facts.
7 'I
On July 6, 2()()/, in response to Defendant Joseph I.ernik's CZernik")
8 continued harassment of Country'\vide ano its officers and employees, I sent C. Richard
9 (;recn, I ~sy. ("Green"), counsel for Zernik, a cease and desist letter \vhereby I demanded on
10 behalf of CO\.lI1try'\vide that Zernik Cease his harassment of C:ountry'\vide and its employees
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I1 and officers and refrain from contacting C:ountry\vidc personal and business associates..\
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18 simply to refrain from contacting represented Counrt')'\vide employees and officers regarding
19 the present litigation, and would direct any communications to Country'\vide's designated
20 counsel. I sent this stipulation in the hopes that the parties coulo rcsoh'e this oispute \vithou
21 further law ano motion, and without any signiticant further im'oh'ement of the Court. .\
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L..~ true and correct copy of the stipulation is attached hereto as Exhibit S ano incorporated
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J" herein l)\ reference. Zcrnik ano his counsel neyer acknowledged the proposeo stipulation.
24 4. On .I uly l), 2()( P, I buneo that I.ernik had sent ne\\' emails that same morning
')-
.:..) [() business and personal associates of Countf)'\\'idc's officers. In response to this e\'idence
26 of I.ernik's continuing harassment of Countf)'\\'ide, I sent Green another cease and desist
27 letter whereby I demanded on behalf of Countf)'\\'ide that Zcrnik stop his harassment of
28 Country'\\ide and its employees and officers. _\ true and correct copy of this letter is attache
397 / 745
(J-t") 1~ ') , 18
Court File: "Volume IV Continued" :\fOTIO:\; FOR .\ PROTECTI\'E ORDER
hereto a~ Exhibit T and incorporated herein by reference.
2 I declare under penalty of peri un- under the bw~ of the State of California that the
"
.) foregoing is true and correct.
4 /':xecutecl this !/~aY ofJuly, 20W, at Santa fonica, California.

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398 / 745
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Court File: "Volume IV Continued" .\fOTIOI\; FOR A PROTECTIVE ORDER
Todd To jz 12345@earthlink.net@CWEXTERNAL
BoockJAttorney/LellallCFICCl
03/28/20070103 PM
Mr. Zemik,
I am in receipt of your letter dated March 26, 2007, but sent to me via e-mail on March 27,2007.
Your letter has raised numerous issues that we are looking into at this time. Please be advised that we
are diligently researching the issues raised by your letter and will comply with our legal obligations as to
your subpoenas.
In my March 23rd e-mail to your former attorney Zachary Schorr, I requested that we set up a
meet-and-confer telephone call. Since he is no longer representing you, I am making the same request to
you. Please provide me with a few convenient times to call you on Monday or Tuesday, April 2nd or 3rd.
This should give me sufficient time to fully review and research the issues raised by your and Mr. Schorr's
letters, and to determine whether additional responsive documents exist
In the interim, we kindly ask that, since you are aware that Countrywide is represented by counsel, you
direct all communications regarding this matter solely to me.
Thank you for your anticipated cooperation, and I look forward to speaking with you.
rI Countrywide~
Todd Boock
1 st VP, Sr Legal Counsel
CA In-House Litigation Legal
818-871-{i045 Office 5220 Las Virgenes Rd

92-585-6045Inlemal Mail Stop: AC-11
818-871-4669 Fax Calabasas. CA 91302
Todd Boock@CDUntrywide.com
jz 12345@earthlink.net
399 / 745
A .. J {
:./( .

jz12345@earthlink.net To Todd.Boock@Countrywide.Com,
•
03/28/20070131 PM Mariela_Garcia@Countrywide.Com
cc
bee
Subject Re: URGENT- LEITER TO AIT BOOCK TIME RESPONSE
DEMANDED BY 5:00PM ON THURSDAY, MARCH 29, 2007
t-lar"h 28, 2007
Dear Mr boock and Ms Garcia:
You had more than enough time to consider this subpoena, first served
in August 2006' You had sufficient time to prepare the repeat
subpoena in January 2007, but chose not to address the concerns you
were informed of in December 2006.
Please respond to demands in my letter by Thursday, March 29, 2007, 5:00pm.
Depending on your response by that deadline I may be interested in

meeting you next week, on Tuesday. You need to show some intention to
comply, not lust obfuscate.
Messages in this regard are also copied to Mariela Garcia, since as

the person who signed on the declaration of Custodian of Records, she
may suffer consequences in person, e.g, against her paralegal
license, and she may be interested in hiring her own legal
representation, given the conflict of interest that would not allow
you to represent her.
If Ms Garcia provides her attorney's email address, I would be glad

to forward messages to him.
Sincerely,
Joseph Zernik
400 / 745
t~ /1
Todd To jz12345@earthlinknet@CWEXTERNAL
Boock!AttorneyflegaUCFfCCI
03/28/20070456 PM
Mr. Zernik.
I am writing to respond to your most recent e-mail, sent earlier today.
In your e-mail. you raised a concern that we have had since August 2006 to respond to the issues
discussed in your recent correspondence. We respectfully disagree. The subpoena you served in
August 2006 was entirely different than the subpoena you served in January 2007. The August 2006
subpoena was a generalized request for documents relating to a loan application. The January 2007
subpoenas sought nineteen separate categories of documents, many of which included subcategories.
We timely responded to both subpoenas and produced documents.
Most of the issues that your attorney raised in his March 19, 2007 letter and the new issues you raised in
your March 27, 2007 letter were not raised by any of the subpoenas. They were brought to my attention
for the first time in these recent letters. Please note that we are not a party to the lawsuit, were never
served with the complaint and are not as familiar with the issues in the case as you appear to be. As I
explained in my prior e-mail. we are attempting to diligently respond to your letter and research the issues
you have raised. Unfortunately, this takes some time to accomplish, and we intend to take the necessary
amount of time to comply with our legal obligations.
Your attempts to "meet and confer" by sending us lengthy letters and lists of demands are not in good
faith. Giving us less than 48 hours to respond to these letters is also not in good faith, nor does it follow
the spirit of meet and confer contemplated by the Los Angeles County Superior Court local rules. Each
and every time we have attempted to engage in a reasonable meet and confer with you or your attorney,
we have been rebuffed or ignored. We will take the appropriate time to research the issues raised in your
letters and, once we have done that, we will engage in a substantive discussion with you about the issues
you have raised. We would like to work with you to resolve each of these issues and are more than
willing to take the time to go over each of them with you. In that vein, I again ask you when you are
available to meet and confer over the telephone on Monday or Tuesday, April 2nd or 3rd? Please provide
me with a few times that you are available, I will let you know what works with my schedule and I will call
you at that time.
Incidentally. while your March 27, 2007 letter makes reference to certain exhibits, those exhibits are not
attached to your letter (only descriptions of the exhibits are induded). So that we are certain we know to
whot you refer in your letter, please provide the exllibits as SUUlI CIS pussible.
Finally, your threats against Ms. Garcia are wholly inappropriate and not well taken. Please immediately
cease making idle threats against Countrywide employees in general and Ms. Garcia in particular. I
represent Ms. Garcia, and I again reiterate that any communications to Countrywide or its employees
should be directed solely to me.
Mr. Zemik, I assure you that we are working diligently to respond to your subpoenas and letters. We hope
to work with you to resolve your issues and move forward.
Thank you for your anticipated cooperation, and I look forward to speaking with you next week.
[I Countryvvide-
j /.
401 / 745
/7
L_
~ .•/
SENT BY EMAIL AND BY FAX TO 818-871-6045 and 8006589364
March 29, 2007
Att Todd Boock

I" VP and Sr Caunse I
Legal Department
Countrywide Financial Corp
Mariela Garcia
Custodian of Records
Legal Department
Countrywide Financial Corp
5220 Las Virgencs Rd
Calabasas, CA 91302
URGENT- LETTER TO ATT BOOCK. TIME RESPONSE DEMANDED BY 5:00PM ON

THURSDAY, MARCH 29, 2007
Dear Att. Boock:
I am available to meet and confer by phone today, Thursday, from 7:00am to 9:00am, and from
2:00-3:00pm in the afternoon. This is a last minute notice, but events in this case and your
obfuscation over a year and a half do not leave me much choice. 1 am offering you these times
for phone conversations in addition to the many opportunities you had over the last year and a
half to submit additional information in writing. I am sending this notice by email to you and
Mariela Garcia and r am also leaving you phone messages in this regard.
I am doing so in order to offer you an opportunity to clarify before 5:00pm today, Thursday,
your reasons for refusing to comply with a legal subpoena for the documents related to loan
applications by Nivie Samaan.
" As I explained in my prior e-mail, we are attempting to diligent[y respond to your letter
and research
the issues you have raised. Unfortunately, this takes some time to accomplish, and we
intend to take the necessary amount of time to comply with our Iega[ obligations." Your
excuses for failing and refusing to comply with a legal subpoena since August 2006 can
no longer be accepted as written in good faith.
There is no legitimate and/or reasonable excuse for refusing for over a year and a half to print
out the full and complete CommentslDocuments/Conversation Log for Samaan's loans from your
computerized system. Parts of that log, related to Exception Approval by the Corporate
Underwriting Support Office were already provided. There is no reason not to provide a full and
complete copy afthat log.
Is a year and a half not sufficient "amount of time to accomplish" a printout of such log?
402 / 745 /) , .)

"we will engage in a substantive discussion" - what kind of discussion is there to engage in
regarding your obligation to print out and provide me with that log?
At some point your arguments start sounding exactly like what they are - a farce and a
perversion of the law by the Legal Department of a major corporation. You must also be aware
that my concerns are aggravated by recent reports that equated Countrywide with Enron.
Let me be clear. The subpoena of August 2006 was prepared by Att Cummings. The Subpoena
of Jan 2007, and all following Meet and Confer letters (copy ofa recent one is attached below),
whether on attorney's letterhead or not, were drafted by me, so that I am very familiar with each
and every item discussed in them.
The materials sought in all of these communications with Countrywide are the same as those
requested in the very first subpoena by Att Cummings - any and all documents pertaining to
Loan Applications by Borrower Nivie Samaan for the Property at 320 South Peck Drive, Beverly
Hi lis. Your attempts to claim otherwise are additional excuses for your obfuscation and refusal
to comply with a Court ordered subpoena.
You mention that you are not a party to this litigation. These communications are also meant to
serve you due notice and offer you the opportunity to make amends. Actions and omissions by
Maria McLaurin and others in Countrywide in October- 2004 to January 2005, and in addition
by sending a letter signed by Maria McLaurin on behalf of Countrywide for use by Plaintiff in
this litigation. and in addition by failure by Countrywide to completely respond to subpoena in
August 2006, and in addition by failure and refusal by Countrywide, Todd Boock, Mariela
Garcia, and others to comply with a legal subpoena since January 2007, it becomes apparent that
Countrywide (referring here to CFC and all its affiliates), individuals named above, and others
are in fact accomplices in this blatant fraud and deceit.
You requested that I provide the exhibits, and I do so in a fax/email following, although all of
them, with one exception, are materials produced by Countrywide. I am also producing two
additional exhibits for your review, which have been discussed many times in previous
communications:
a) Loan Appl ications (I 003) by Nivie Samaan, as produced by Countrywide, demonstrating
blatant adulterations, produced by Countrywide in response to subpoena without any
accompanying Internal or External Audit documents to justify this aberration.
b) A deliberately misleading paper document titled Conversation Log, San Rafael Branch,
produced by Countrywide. Maria McLaurin, Branch Manager, San Rafael Branch, indicated in a
phone conversation with me that it was her decision to insert this document instead of the true
and correct, full and complete printout of the computer-based
Comments/Documents/Conversation Log of Samaan's loan applications. In contrast, Diane
Frazier, the duly authorized Underwriter for Samaan loans, whose authority was usurped by
Maria McLaurin, indicated in a phone call with me that such paper Conversation Logs have
never been used in the San Rafael Branch at least since 1989, the year she joined Countrywide!
Countrywide, Todd Boock, and Mariela Garcia were warned in person, by phone and by written
communications by this writer, prior to the January 2007 subpoena, that such documents were
,
I) l
403 / 745
I

produced in the August 2006 subpoena. Vet the same documents without any justification were
produced again in response to the subpoean of January 2007!
"I represent Ms. Garcia, and I again reiterate that any communications to Countrywide or its
employees should be directed solely to me." I find it hard to believe that this statement is true.
Mariela Garcia, a paralegal in your office, signed as an individual on behalf of Countrywide, as
the duly appointed Custodian of Records. If I receive a direct communication from Mariela
Garcia that states that you indeed represent her as an individual, while at the same time
representing Countrywide and that she is aware of the conflict of interests inherent in such
representation, I would cease to copy her on such communications.
Att Boock, your obfuscation is no longer tolerable. Time is of the essence - your actions
and omissions, as an individual and as a representative of Countrywide have caused me
substantial financial damages through the denial of a motion to expunge lis pendens in
November 2006, opposed with critical support with Countrywide and Maria McLaurin,
and are causing critical damage to my defense in Samaan vs. Zernik, soon to be heard in
Court.
Sincerely,
Joseph Zernik
Joseph Zernik
CC:
Thrift Regulators, RE: Case #0507312007
Gretchen Morgenson, New York Times Business Section
Chairman of the internal Audit Committee

Angelo Mozillo, Chairman of the Board
COUNTRYWIDE
400 Countrywide Way
Simi Valley, CA 93065
Fax: 800658 9364 (As provided by Marquita and confirmed by Misty on March 29, 2007)
Sandor E. Samuels, Senior Managing Director

Chief Legal Officer and Assistant Secretary
COUNTRYWIDE
400 Countrywide Way
Simi Valley, CA 93065
Fax: 800658 9364 (As provided by Marquita and confirmed by Misty on March 29, 2007)
At 04:56 PM 3/2812007, you wrote:
404 / 745
T) . -:
Todd To jz12345@earthlinknet@CWEXTERNAl
Boock!Attorney IlegaVC FICCI
03129/20071240 PM
Mr. Zernik,
Thank you for your e-mail.
Unfortunately, I am unavailable to have a meet and confer discussion with you today. However, I am
available on Monday, April 2nd or Tuesday. April3rd. Please let me know some convenient times to call
you during either of those days. I will let you know what works with my schedule and I will call you then.
I again repeat my request that you refrain from contacting Countrywide employees directly, including
Mariela Garcia. It is my understanding that you have left several voicemails for Ms. Garcia today. As an
employee of Countrywide, Ms. Garcia is represented by counsel, and she will not communicate with you
directly. Please direct all communications to the company solely to me.
Incidentally, I did not receive any faxes from you today, and I note that the fax number you have indicated
for me on your e-mail is actually my telephone number. My fax number is (818) 871-4669. While I
understand that the exhibits were mostly culled from documents Countrywide produced to you, we did
produce several hundred pages of documents, and it would be helpful for us to know exactly to which
documents you refer. I look forward to receiving your fax and the eXhibits.
Thank you for your anticipated cooperation. and I look forward to speaking with you early next week.
Ii Countr.vwide~
Todd Boock
1st VP, Sr Legal Counsel
818-871-6045 Office 5220 Las Virgenes Rd

92-585-6045 Internal Mail Slop: AC-11
818-871-4669 Fax Calabasas, CA 91302
Todd Boock@counlrywidc.com
o'
,
405 / 745 f '/j
Todd To jz12345@earthlinknet
BoocklAttorney/Legal/CF/CCI
04/02/2007 02:46 PM
Or. Zernik,
Thank you for speaking with Sandy Shatz and me earlier today.
First, I want to reiterate to you that, as you know, Passover begins at sundown this evening, and I plan to
celebrate it with my family. You have proposed making an ex parte application tomorrow morning, and I
requested that, in light of the jewish holiday and the preparation that goes into it, you wait until Thursday
or Friday for your ex parte application. You have not confirmed whether or not you will move the hearing
to Thursday or Friday, but told us that you would send an e-mail with a proposed stipulation. I received
your proposed stipulation and am happy to agree to having your motion heard on no less than 16 court
days' notice (plus 5 days if you send it by mail). I will not agree to the excess wording, though, and there
is no time for me to prepare the stipulation and file it today. But you now have it in writing that we will
agree to have your motion heard on at least 16 court days' notice, which should be sufficient to take off
the ex parte. I will again tell you that we will move for sanctions against you if you force me to interrupt my
observance of the Jewish holidays and appear at your ex parte application tomorrow. As I said in my
previous e-mail, courts expect counsel to change hearing dates when it inconveniences other counsel,
and this court will not be pleased if you refuse to do so. I also again point out the numerous defects in
your notice, including the lack of a time and location.
We understand that the ex parte application relates to a motion to compel production of other documents
pursuant to a subpoena served on Countrywide. Today, we met and conferred concerning that
subpoena, and we are in the process of looking for other documents. Accordingly, because we are still
meeting and conferring on these issues, any motion to compel is premature.
Second, I repeat what I have explained several times to you, that I represent the company in this matter.
Consequently, we demand that you solely communicate to me as to your subpoenas and the related
issues. To be clear, do not contact other Countrywide employees in general and Mariela Garcia in
particular. If I learn that you have continued to contact Ms. Garcia or other Countrywide employees, we
will move for a protective order and seek sanctions against you.
Finally, this is to confirm that we have produced all documents within our possession, custody and control,
which are responsive to your subpoena. However, we are presently looking for two documents: (1) Maria
McLaurin's November 6, 2006 letter to Victor Parlks - you already have this letter, but we will send it to
you again if we locate an intemal copy; and (2) the Underwriting Decision/Condition Letter that was
printed on October 26, 2004, which we discussed during our conversation. If we are able to locate these
documents, we will send them to you.
Please let me know as soon as possible whether you will persist in making your ex parte application
tomorrow. I am leaving my office at 3:45 pm, so I expect to hear from you by then. Thank you, and have
a Happy Passover.
(ICounbyyJid~
Todd Boock
/"
oj, i /
406 / 745 F~
I
Todd To jz12345@earthlink.net@CWEXTERNAL
BoockJAttorneyfLegaUCF/CCI
04113f2007 02:51 PM
Dr. Zernik,
Your e-mail mischaracterizes my conversation with you.
You called me this morning after you sent your ex parte notice and told me that you wanted the words "all
of the records" included in the custodian of records declaration. You said that this would be sufficient for
you to withdraw the ex parte application. I said that I would take a look at the declaration and get back to
you luter today, but you demanded that I get back to you within an hour.
I called you a short time later and said that I thought that we would be able to resolve the issue and you
would be satisfied, but I needed a little more time than an hour. I told you that I should know by the end of
the day. When you asked me to send you an e-mail, I did not say that I would nOl I said that I would
rather not until I actually have some confirmation or something concrete to say. Nonetheless, I had
planned to convey the status to you via e-mail, but was out eating lunch and just returned to my office.
In any event, I now have concrete information. We have revised the declaration, and I believe that this
resolves the issue. The new declaration is attached, and a hard copy will follow in the mail. Please
confirm that your ex parte application is off calendar.
On a related topic, we are ready to schedule a time for you to review the original loan documents. Please
provide me with several dates and times that you are available to come in and review the documents.
Obviously, next Friday, April 20th will not work, since we will be at Maria McLaurin's deposition (which you
confirmed would be going forward). I am also unavailable on Monday, April 16th.
Finally, I remind you to please direct your communications regarding the subpoenas and related topics
solely to me. Your prior threats to Ms. Garcia were completely inappropriate, and we ask that you not
communicate with her. As I have explained on numerous prior occasions, I represent Countrywide and all
of its employees in this matter.
Thank you.
-m
Sarna,!" v. Zemik - Dec. Custooldn 01 Records.pdf
~ Counbyvvide"
rood Boock
818-871·6045 Office 5220 Las Virgenes Rd

92·585-fj045 Internal Mail Stop: AC-11
818-871-4669 Fax Calabasas, CA 91302
Todd Boock@countrywide.com
407 / 745 / I
Court File: "Volume IV Continued" (I (,

Todd To jz12345@earthlink.net
BoocklAttomey/LegaVCF/CCI
04/16/20070104 PM
Dr. Zernik,
I am in receipt of the 3 e-mails you sent to me over the weekend (one on April 14th and two on April 15th),
and I am aware of the voicemail you left for Mariela Garcia (on April 14th).
Your e-mails mischaracterize the history of this matter as it relates to Countrywide. We received and
properly responded to the subpoenas. Where you had additional questions, we have been more than
cooperative with you and took the appropriate time to accurately and completely address each of the
issues you have raised. The arbitrary deadlines you have set are unreasonable, especially since you are
aware that I was supposed to be out of the office at a deposition today. My deposition was cancelled, but
you did not know that until just now. The following responds to issues raised in your communications this
weekend:
Inspection of Original Documents
I asked you to provide me with several dates and times that you are available to come in and review the
documents. The single time you provided does not work for us. Please provide me with several dates
and times, so that we may coordinate with all parties.
Request to Meet With Mariera Garcia
You have requested to meet with Mariela Garcia in person. We do not see any reason for this meeting,
especially in light of your recent threats against Ms. Garcia. We have provided you copies of the
responsive documents and will make the originals available for your review.
Your Continued Direct Communication With Ms . Garcia
This is the last time I am going to tell you that, as an employee of Countrywide, Mariela Garcia is
represented by counsel and is not to be contacted directly by you. As a represented party, she is not
going to contact you directly and tell you that. I have repeatedly explained to you that I represent
Countrywide and all of its employees in this matter, and any and all communication regarding this matter
is to be directed solely to me.
Your Continued Harassment of Ms. Garcia and Countrywide in General
I must demand that your harassment of Ms. Garcia and Countrywide in general stop immediately. You
have called, e-mailed and written us innumerable times, often with unsubstantiated accusations of fraud,
threats of legal action against Countrywide employees, arbitrary ·urgent" deadlines and last-minute
notices of baseless hearings. You have now demanded to meet with Ms. Garcia personally, or you will
subpoena her to testify. You have also called her directly again, despite my repeated demands that you
stop doing so. If you continue to harass us, induding serving a subpoena on Ms. Garcia, we will have no
choice but to move for a protective order and seek sanctions against you.
Your Recent Requests for Ms. McLaurin's Records
You did not provide proper notice to Ms. McLaurin and/or Nivie Samaan in your subpoenas. and we
objected to your subpoenas on that basis.
, .
408 / 745 r1 {7i
Coun~'s Subpoena Compliance
As our custodian of records declaration states, we have produced' all documents responsive to your
subpoenas within our possession, custody and control, subject to the objections previously served, We
have complied with our legal obligations as to the subpoenas. However, as a gesture of good faith, we
offered to allow you to review the original documents, which we will still allow you to do.
Litigation Conduct
Please immediately cease your repeated accusations of fraud, conspiracy and other nefarious deeds
against me and my colleagues. These accusations are baseless, inappropriate, offensive and in violation
of Los Angeles County Superior Court Local Rule No. 7.12(d), which requires that counsel "should at all
times be civil and courteous in communicating with adversaries." As someone representing himself In
propria persona, you are bound by these rules.
Finally, please provide us with the $95.95 set forth in our April 12, 2007 invoice.
Thank you.
fI Countryvvide·
Todd Boock
818-871-6045 Office 5220 Las Virgenes Rd

92-585-6045 Internal Mail Stop AC-11
818-871-4669 Fax Calabasas. CA 91302
Todd Boock@countrywidecom
..
"....,..... ....
409 / 745 /I (
Subject URGENT RESPONSE DEMANDED BY WEDNESDAY,
~
~
JUNE 20, 2007, SOOPM- 1) DECLARATIONS BY MARIA
MCLAURIN, NOVEMBER 2006, MAY 2007 2) UNSIGNED,
UNAUTHENTICATED UNDERWRITING LETTER OF
OCTOBER 26, 2004 3) APPARENT VIOLATIONS OF
REGULATION B MENTIONED IN SAMAAN V ZERNIK
June 15.2007
Att Todd Boock

Countrywide
URGENT: RESPONSE DEMANDED BY WEDNESDAY, JUNE 20, 2007, 5:00PM-

1) DECLARATIONS BY MARIA MCLAURIN, NOVEMBER 2006, MAY 2007
2) UNSIGNED, UNAUTHENTICATED UNDERWRITING LETTER OF OCTOBER 26,
2004
3) APPARENT VIOLATIONS OF REGULATION B MENTIONED IN SAMAAN V
ZERNIK
Mr Book:
Starting in December 2006, I communicated with you and others in the Legal Department of
Countrywide various aspects of the conduct of Maria McLaurin, Branch Manager at
Countrywide Ilome Loans, San Rafael Wholesale Branch. Studying subpoena documents in
Samaan v Zernik, and data provided by branch Underwriter indicated that McLaurin had an
ongoing relationships with some loan broker(s) with the goal of perpetrating fraud against
Countrywide (heretofore indicating CFC, Inc, and/or any of its affiliates and subdivisions), a
Federally backed mortgage lender. By estimate of the Branch Senior Underwriter, the fraud rate
in that branch reached around 2004 90%, where estimates by the FBI put fraud levels at 30-40%
in California in general. The pattern as a whole fitted perfectly with what FBI reports describe
as a loosely organized white collar crime networks harvesting stunning sums (all estimates are
believed to be guesswork at best) in an epidemic of real estate and mortgage fraud, centered in
Southern California. Needless to say, Countrywide is the SUb-prime market leader, centered in
Southern California as well. FBl considers the fight against this epidemic a national priority!
The overall picture emerging from the fi Ie is of total collapse of checks and balances in
Countrywide. Gross violations escape all controls, since the fraud is perpetrated from above led
by the Branch Manager - and the dissenting Underwriter was quashed:
• Managerial Controls - the Senior Underwriter, who did not cooperate in the fraud, lost
her job instead
• Internal Audit - adulterated 1003 with not valid Receipt Date, adulterated fraudulent
Exception Requests by Branch Manager
• External Audit - same
• Legal Oversight - the Legal Department appears more as an accomplice with white collar
criminals than part of any compliance monitoring
410 / 745 "._'"\

;
I- ';/
• Federal Regulators - complaints to regulators are easily deflected, through cover up by
the Legal Department
Over half a year since my first report to the Legal Department, it appears that Countrywide never
took any action in this regard. If anything, the Legal Department was busy stonewalling,
ohfuscating, and defending McLaurin, who is still holding the same position as before. I am not
aware of any reporting you made to supervisors, as required by Sarbane-Oxley, or to SEC, Thrift
Regulators, Trade Commission, or the Federal Reserve. You refused to answer any questions in
this regard. Instead, you informed me that my attempts to directly inform Mr Mozillo, Chairman
of the Internal Audit Committee, were intercepted, and any attempt to communicate with
anybody at Countrywide, but you, would be considered "harassment" of Countrywide, and
would result in legal action.
A March 2007 column by Pulitzer Prize winner, Gretchen Morgenson.in the NYT, predicted the
ominous collapse of Countrywide, which she compared to Enron - an inherently corrupt
organization. She differentiated that the collapse of Countrywide would be much slower - a train
crash in slow motion, and also, that the damage inflicted on the American economy and many
many families would be much bigger.
In Meet and Confer discussions, you denied that McLaurin was involved in fraud, since her
scheme related to mortgage approval and funding of a loan for the buyer, Samaan, in the aborted
purchase agreement of my residencc, never materialized.
Similarly, I was informed by Thrift Supervisors, that Countrywide used the same argument to
deflect my complaint.
Needless to say, I am no bank regulator, but data indicating that a WHOLESALE BRANCH
MANAGER, who may approve up to $50,000,000 A DAY in mortgage investments, is involved
in an ATTEMPTED FRAUD, was worthy of reporting and investigation as a MATERIAL
DEFICIENCY. Moreover, as detailed below, THIS CASE PROVIDES THE TEMPLATE
FOR ROUTINE SCAM TO OVERCOME COUNTRYWIDE'S APPEARANCE OF
SAFEGUARDS AND COMPLIANCE WITH LAWS AND REGULATIONS (E.G,
REGULATION B), and surely the scam described here was not used here for the first time.
As fully clarified to you over the months since then in many communications, Samaan's loan
application (1003) was replete with false and fraudulent data:
• its Date Received stamp was adulterated, but you could not or would not explain by
whom, when, where, why, and under what authority
• Many documents indicate that the loan was allowed to be continuously reviewed longer
than permitted by Regulation B, through manipulation of the Date Received data.
• You could not produce or would not produce any documentation of the correct Date
Received for the loan application
• the signature on the 1003 was not that of the Loan Broker, Victor Parks
• Samaan stated in deposition that the loan broker never even talked with her
• on the 1003 Parks is listed as the telephone interviewer
• Samaan stated in deposition that her husband, who does not hold any relevant licence,
and probably is prevented from ever holding any such license, was the one who prepared
411 / 745
Court File: "Volume IV Continued" J
~j.. .- ,J) . .t.....

the applications
• Samaan, who at the time made her living on the Payroll of a department store as
cosmetics saleswoman claimed in loan applications that she was the president and sole
owner of a corporation Spellbound Enterprise, Inc, for at least 4 year, with no other
employment, and with income of $400,000 per year
• That corporation was established less than a year earlier, and according to its web page,
engaged in web retail sales for consumers of the psychic and the occult - "The
Supernatural Superstore" - providing Tarot cards, divining objects, anointment oils, and
crystal balls.
• That Loan Application, prepared by the newly wed husband listed his wife as an
Unmarried Woman, in violation of laws and regulations for a Community Property State.
• As clearly indicated in Clues report and conditions set by the duly assigned Underwriter,
this application had some of the cardinal signs of fraud - discrepancies in employment, in
residence, in source of income, in source of funds,
• Regardless of conditions set by Underwriter, the applicant would not divulge "Type of
Business"
• The business license provided by applicant contradicted the statements she made in the
application, and was not accepted by the Underwriter
• The explanation applicant provided for discrepancies in residence statement was deemed
unacceptable by Underwriter
• Telephone numbers provided by the applicant did not match up with other business and
residence information provided
• When the loan was not approved by the Underwriter, McLaurin filed an Exception
Request where the income was increased through a "typo" to $4,000,000 a year
• In same Exception Request credit determinations made by your expert system - Clues,
and the duly assigned Underwriter were turned upside down by McLaurin
• The loan application was missing the Broker's signature on the Broker's certification in
all Underwriting Letters you produced
I probably forgot some of the fraudulent data, the list is too long. But one of the most notable
features was that McLaurin, through her conduct, seemed to endorse the invalid 1003, which was
for the wrong loan program (no documentation, >$1.3m, on a program that allows no
documentation for only up to $150,000), at a 0.75% lowered interest rate. In fact, it allowed the
Borrower to misrepresent lack of funds to close, and lack of reserves. And if closed, it would
have provided the Borrower over $\ 0,000 discount for no obvious reason (except for the obvious
relationship bctween applicant, her husband, and his cousin - all involved in the mortgage
industry, and the Bank manager), and probably justified the personal time and efforts of the
Branch Manager...
Frazier, the duly authorized Underwriter refused to issue any credit decision prior to receipt of
valid, correct 1003 loan application. But the handling of this loan demonstrated a simple route
around sound Underwriting principles required by Federal regulations. The applicant waited,
and seemed strangely uninterested in addressing the deficiencies in her application. Instead, she
probably was waiting, as part of a routine scam, for the loan application to be suspended
(10125104) for incompleteness 10 days after receipt (10/14/04). In fact, according to the duly
assigncd Underwriter, the application was uniquely incomplete at submission, probably by
design ...
,T'
412 / 745
Court File: "Volume IV Continued" ,1-- , ~i

Fallowing that suspension, the Bank Manager had no problem usurping the Underwriting
authority of the duly assigned Underwriter, bypassing all security and Underwriting safeguards,
and overturning all Underwriting Decisions/Conditions.
For example, she filed both her Exception Report (10/25/04) and her Appraisal Request
(10/25/04) without obtaining new, valid loan application 1003 from the applicant. Therefore, she
had no way to adjudicate the application, since all calculations listed by the applicant on the
1003 used fraudulently lowered interest rate.
Gadi, in Division Underwriting Support, conditioned his approval (10/29/04) on the following
stipu lations:
a) that all information provided to him was true - but the annual income, fictional to start out,
was IO-fold increased, AND the credit detenninations presented to him were opposite those of
CLUES and the Underwriter, without any discernable foundation
b) that all conditions stipulated by the Branch Underwriter be enforced - these conditions were
already ignored by the time the Exception Request was filed, and seemed to be ignored in all
later Underwriting Letters.
On 10/26/04 McLaurin, for no obvious reason, issued a false, invalid, unsigned, and
unauthenticated Underwriting Letter that appearcd to be issued by Frazier, the duly assigned
Underwriter, as ifshe was still in charge of the application (where in fact McLaurin had by then
usurped Underwriting authorities). The Underwriting Letter stated that the application had been
suspended (where in fact by then McLaurin had moved the application to the fast track - by
applying for Review Appraisal and Exception Request).
In court filings in November 2006, McLaurin provided a statement on Countrywide letterhead,

accompanied by a copy of the invalid Underwriting Letter of 10/26/04, in support of claims by
Samaan that:
- such Underwriting Letter was issued on or around October 14, 2004
- such Underwriting Letter showed that the Loan was suspended on or around October 14, 2004
- such adverse actions were initiated ONLY because of missing initials of seller on Purchase
Agreement, that according to legal authorities is fully executed absent such initials, given the
language of the fully executed Counter Offers.
THESE CLAIMS, FULLY SUPPORTED BY MCLAURIN, WITH APPARENT

ENDORSEMENT OF COUNTRYWIDE - GlVEN THE CONDUCT OF THE LEGAL
DEPARTMENT - ARE ON THEIR FACE AN ATIEMPT TO DECEIVE THE COURT AND
DEFRAUD ZERNIK, TO THE TUNE OF $1,000,000 - $1,500,000:
A) IN FACT, SAMAAN NEVER SUBMITIED A PURCHASE AGREEMENT AND JOINT

ESCROW INSTRUCTIONS WITH HER LOAN APPLlCAnON IN THE FIRST PLACE, AS
EVIDENT FROM THE LOAN FILE, AND ALSO AS CONFIRMED BY THE DULY
ASSIGNED UNDERWRITER - FRAZIER.
B) THEREFORE, THERE WAS NO WAY FOR ANYBODY AT COUNTRYWIDE TO
413 / 745
Court File: "Volume IV Continued" >"/
ASSESS THE AGREEMENT UNTIL OCTOBER 22,2004, THAT IS- AFTER ESCROW WAS
ALREADY CANCELLED.
C) THE FIRST EVER COPY OF THE AGREEMENT FOUND IN COUNTRYWIDE'S LOAN

rILE, WAS FAXED ON OCTOBER 22, 2004, BY SAMAAN HERSELF, AND WAS
STRANGELY MISSING TWO ELEMENTS THAT WERE CRITICAL FOR FULL
EXECUTION OF THE AGREEMENT, BUT WERE BOTH THE RESPONSIBILITY OF
BUYER SAMAAN:
i) SAMAAN'S SIGNATURE WAS MISSING ON PAGE 8 OF THE AGREEMENT,

WHICH IS CRITICAL TO PRODUCE A VALID OFFER, WHICH WOULD THEN BE
SUBJECT TO THE COUNTER OFFERS.
ii) SAMAAN'S INITIALS WERE MISSING ON PARAGRAPH 8 OF COUNTER
OFFER NO 2, MEANT TO INDICATE ACKNOWLEDGEMENT OF ACCEPTANCE
BY THE BUYER - SAMAAN, AND WITH THAT - FINAL EXECUTION OF THE
AGREEMENT
D) THE SECOND, AND ONLY OTHER COpy OF THE PURCHASE AGREEMENT, WAS
RECEIVED ON OCTOBER 25,2004, AND WAS COMPLETE, WITH ALL INITIALS AND
SIGNATURES
i) IT IS NOT CLEAR WHO SENT IT. EVIDENCE SUGGESTS THAT ALL ALONG
SAMAAN IMPERSONATED HER LOAN BROKER, AND ALL FAXES APPEARING
AS HIS, ARE IN FACT FROM HER OWN FAX MACHINE.
ii) FOR EXAMPLE - COMPARJNG THE LOAN BROKER SIGNATURE
APPEARING IN COURT FILINGS, WE COULD NOT IDENTIFY ONE SINGLE
AUTHENTIC SIGNATURE IN THE WHOLE LOAN FILE, OR FOR THAT MATIER
ON THE ORIGINAL FRAUDULENT PRE-QUALIFICATION LETTER.
iii) ALTHOUGH THE FAX PRODUCED BY COUNTRYWIDE APPEARS AS
ARRIVING FROM PARKS ON OCTOBER 25,2004, PARKS PROVlDED A
DECLARATION UNDER PENALTY OF PERJURY, THAT IT WAS FAXED
"IMMEDIATEL Y" AFTER IT WAS RECEIVED FROM ESCROW ON OCTOBER 22,
2004.
iv) THE DOCUMENT PRODUCED BY PARKS IN COURT, WHICH HE STATED
UNDER PENALTY OF PERJURY WAS THE ONE HE HAD FAXED TO
COUNTRYWIDE, WAS MISSING ZERNIK'S INITIALS AND SIGNATURES, IN
CONTRAST WITH THE DOCUMENT PRODUCED BY COUNTRYWIDE, REPLETE
WITH ZERNIK'S INITIALS AND SIGNATURES.
v) THIS WRITER HAS PERSONAL KNOWLEDGE OF THIS DOCUMENT - THE
DOCUMENT IN COUNTRYWIDE'S CUSTODY IS A TRUE AND CORRECT COPY
OF THE DOCUMENT, WHILE THE DOCUMENT PRODUCED BY LOAN BROKER
PARKS IS THE PRODUCT OF ADULTERATION, RATHER THAN THE OPPOSITE.
E) MARIA MCLAURIN, REPRESENTED AS SPEAKING FOR COUNTRYWIDE,

THROUGH HER DECLARATION AND LETTER TO COURT, AND THROUGH SUPPORT
OF THE FRAUDULENT PRESENTAnON OF THE 10126/04 UNDERWRITING LETTER
414 / 745 oF":

,
• \
.>
AND THE 10/25/04 ADULTERATED PURCHASE AGREEMENT, FULLY SUPPORTED
SUCH FRAUD AND DECEIT.
F) COUNTRYWIDE, THROUGH ATI BOOCK, WAS MADE AWARE OF THESE ISSUES

AT LEAST SINCE DECEMBER 2006. IT APPEARS THAT COUNTRYWIDE DID
NOTHING TO STOP MCLAURIN FROM CONTINUING AND ELEVATING THE LEVEL
OF HER PARTICIPATION IN THIS FRAUD THROUGH MISLEADfNG THE COURTS.
WITH THAT - COUNTRYWIDE AS A CORPORATION, AND THE LEGAL

DEPARTMENT IN PARTICULAR, APPEAR AS A FULL ACCOMPLICES IN
PERJURY, PROCURING OF PERJURY, FRAUD, DECEIT, AND CONSPIRACY.
The transaction was tenninated by Zemik following a Notice to Buyer to Perfonn, and a Notice
to Cancel, when Samaan failed to remove both her Loan Contingency and her Appraisal
Contingency long after the time set in her Purchase Agreement. Therefore, you claimed, there
was no loss to Countrywide or the Federal Government, no fraud perpetrated, and no need for
the Legal Department to take any action.
Similar claims were raised by Countrywide in response to complaint I filed with Thrift
Regulators. Countrywide Bank argued that Samaan's loan would never have been funded had
the transaction not been canceled.
However, McLaurin, in court declarations, supported applicant Samaan's claims that are
diametrically the opposite - that the loan would have definitely been approved and funded had it
not for Zemik's initials of seller on the bottom of Califomia Purchase Agreement and Joint
Escrow Instructions. That - regardless of the true facts in this matter:
a) The document presented by Parks as the one sent to Countrywide was a fraudulent forgery.
The document faxed to Countrywide on October 25, 2004, and still in Countrywide's custody,
included all seller's initials and signatures.
b) The only other Purchase Agreement appearing in the Loan File was received by Countrywide
on October 22, 2004, and was missing critical Buyer's initials and signature.
c) Prior to October 22,2004, this loan application claimed to be received October 12,2004, and
probably received much earlier (the stamps were adulterated), never included any copy of the
Purchase Agreement. Therefore, McLaurin or others at Countrywide could never adjudicate any
initials or signatures prior to October 22, 2004. Definitely, the file did not include any copy of
the Purchase Agreement from October 14,2004 to October 22, 2004, as confinned by both the
Loan File and the duly assigned Underwriter.
d) Any Broker or Realtor questioned about this case expressed amazement at the outlandish
claims brought in the name of Countrywide. In this day and age, even loan applications are often
unsigned prior to closing (and Samaan's Loan Applications, fraudulent from A to Z, showed
signatures that surely did not belong to her Loan Broker).
e) Legal consultants appear positive that the agreement as such is executed without the initials,
given that the Counter Offer, fully executed, stipulate that all provisions of the Agreement are
fully agreed upon by both parties.
But the Legal Department of Countrywide does nothing to stop this ongoing attempt at fraud.
,
415 / 745 I J \/'

This time - not undercover fraud, but fraud in broad daylight, in full view of all internal and
extcrnal audit, regulatory and supervision safeguards.
This notice is to demand that you provide, on behalf of the Lcgal Department of Countrywide,
answers for the following questions related to the First Lien Loan Appl ication of Samaan,
claimed to bc received on 10/14/04, and as represented in:
a) Countrywide's production of business rccords of Samaan's Loan files in Samaan v Zernik
b) Countrywide's responses to complaint file with Thrift Regulators in early 2007
c) Countrywide's responses to a complaint file with Federal Trade Commission from 2007
d) Countrywide's customary business practices
e) Countrywide's reports to regulatory agencies
I) Are you aware of the declaration of Maria McLaurin, signed on May 23, 2007, and filed in
court on May 25, 2007, as part of litigation in Samaan v Zemik?
2) Did you approve this declaration in advance of its filing?
3) If you are not familiar with this declaration, I demand that you immediately obtain a copy
from Maria McLaurin, and inform me - does Countrywide approve of this declaration at present?
4) Did you approve McLaurin's letter of November 6, 2006 ahead of its filing?
5) Does Countrywide approve of the content of the November 6, 2006, letter at present?
6) In Meet and Confer you indicated that the unsigned, unauthenticated, Underwriting
ConditionlDecision Letter of October 26, 2004, produced by McLaurin in her court filing, was
not part of Samaan's Loan Application File, and indeed it was not part of any of the subpoena
production in August 06 and in January-February 2007:
Does Countrywide consider at present that unsigned, unauthenticated Underwriting Letter of
October 26, 2004, as a valid part ofSamaan Loan Application Underwriting process in 2004?
7) Who was the duly assigned Underwriter of Samaan's Loan on October 24, 2004? October 25,
2004? October 26, 2004, October 27,2004, October 28, 2004, October 29, 2004?
8) Under which circumstances is anybody other than the duly assigned Underwriter allowed to
issue an Underwriting Letter?
9) Under which circumstances is anybody, including the duly assigned Underwriter, allowed to
issue an unsigned Underwriting Letter?
10) Does Countrywide agree with the various statements made by Maria McLaurin in her
declarations of November 2006 and May 2007 regarding the October 26, 2004 Underwriting
Letter?
II) Are you familiar with various statements in declarations, emails, and filings of Keshavarzi,
Parks, and McLaurin, which on their face appear as gross violations of Regulation B by
Countrywide?
12) For example, does Countrywide allow a "source" in San Rafael Wholesale Branch to
verbally notify a loan broker of the disposition of loan applications, including conditions for
approval and action taken, without any written notice, and at times in contradiction of written
notices?
13) Are you familiar with the fact that Samaan, the Borrower, directly managed her Loan
Application Underwriting, at times by direct communication with the Underwriter and others,
and at other times by misrepresenting fax communications as coming from her Loan Broker?
14) Does Countrywide approve of Borrowers managing their own Underwriting Brokerage and
communicating with the Wholesale Branch?
,., 7
416 / 745 L ,/ i l
15) Are you fami liar with the fact that Samaan stated in her deposition that she did not even talk
with her Loan Broker, let alone present him in person with any documents that were presumably
the basis for the loan application 1003?
16) Are you familiar with the fact that Samaan stated in her deposition that her husband, who is
her Loan Broker's cousin, was the one who prepared her loan applications?
17) Docs Countrywide approve as part of its business practices of Borrower's spouse, who holds
no license, and possibly is barred from ever holding a license, to prepare F3orrower's Loan
App Iications?
18) Are you aware of the multitude of fraudulent data incorporated in Samaan's Loan
Application 1003?
19) Does Countrywide approve of such fraudulent loan applications?
20) Was Gadi ever made aware that the income presented to him, of $4,000,000 had no basis in
reality?
21) Was Gadi ever made aware that the credit determinations appearing on Exception Request,
Branch Input, had no base in reality, and were produced without any supporting Underwriting
Notes?
22) Did McLaurin ever run CLUES report on Samaan's application as demanded by Gadi, after
10/25/04?
23) If so, why was it never presented in subpoenas?
24) If not, how was she allowed to proceed with loan approval without any alann raised by any
of the internal audit, external audit, legal, managerial, and regulatory oversight mechanisms?
25) Did Samaan ever satisfy the condition originally set by Frazier on October 14,2004, then
repeated by Gadi on October 29,2004, that Samaan must submit valid loan application (1003)
showing the correct interest rate and the correct calculations based on such interest rate in her
loan application 1003?
26) If so, why were no such loan applications (l003) produced in subpoenas?
27) Did Countrywide ever provide approval Samaan's First Lien Loan Application without ever
receiving a valid loan application 1003 as described in 14) above?
28) Was Samaan;s First Lien Loan ever unconditionally approved for funding?
29) Would Samaan's Loan Application 1003 be approved if presented today for Underwriting?
For ending - some simple ones:
30) What was the true receipt date of Samaan's Loan Application?
31) Who, when. why, and under what guise adulterated the Date Received stamp?
32) Did Countywide really never conducted any investigation of this gross violation of
Regulation B?
33) You are fully aware, after it was pointed out to you numerous times, that Samaan's income as
Iisted in the pri ntouts of Exception Request, Branch Input, is a rough adulteration. The printout
was covered with whiteout - and a new figure handwritten in. Detailed reading of the documents
explained why:
McLaurin increased Samaan's income, fictional to start out, ten-fold, to $4,000,000 per year, for
the Exception Request. But the file copy was made to appear in synch with the loan application
at $400,000 per year.
Did you ever investigate who made this adulteration?
Was there any report issued?
Were there any violations of Countrywide's practices in these actions?
417 / 745
, I
RESPONSE DEMANDED BY WEDNESDAY, JUNE 20,2007, 5:00PM.
Joseph Zemik
ps:
It is Friday afternoon, and I must end on a personal note. I was born in Jerusalem, on my
Mother's sidc- of a Hebronite Jewish family descended from Rabbi Schneerson and Sephardic
roots combined, and on my Father's side, descendent from the German Rabbi Akiva of Eger. I
marricd a dcscendent of the Luzzatto family. Combined, my children, who grew lip in this
residence, and my tcen age son, still living here, hold a vast treasure of Jewish family memories
over the generations.
I was disgusted and appalled by your hypocrisy, representing yourselfas an observant Orthodox
Jew, in order to avoid ex parte appearance in court to represent your positions - supporting fraud
and deceit.
I was similarly disgusted when I recognized that Sandor Samuels, the head of your department,
and an orthodox Jew, serves as the 2006-7 President of the Board of Beth Tzedek, a Jewish
charitable organization for legal aid. Fraud prevention, and in particular real estate fraud
prevention are advertised as a high priority. And the Orthodox Jewish lawyers who refused to
represent me in this case because of the Orthodox Jews in your department only made it more
abhorrent. Your department, as managed by Samuels, based on your conduct to date, appears
dedicated to aiding and abating real estate and mortgage fraud committed by a Countrywide's
Branch Manager.
Combined, the conduct of your department over the last half year bcars testimony to a Legal
Department that disregards the rule of the law, and supports abuse ofjustice. In printing Bcth
Tzeuek's logo "Tzedek Tzedek Tirdof" ("Justice,justiceyou shall pursue" ) in Beth Tzcdck's
brochures, bearing his portrait photo, Samuels and you jointly make ridicule of that
commandment, whose words have been admired over the millennia by Jews and non-Jews alike.
I find this particularly poignant since in 2006 I published by commission a French translation of
Hebron Stories by Shami (1888-1949) for the Calvinist Church of Switzerland, after publishing
it in English in 2000 to rave review by the Los Angeles Times. The themes of these stories, I told
the French non-Jewish readers in an epilogue, were those of the Hebrew Prophets - Micah and
Amos who lived walking distance from Hebron: social justice, and protest of hypocrisy through
overzealous devout reI igiosity.
"Will the LORD he pleased with thousands oframs, or with ten thousands ofrivers ofoil?
Shall I give my firstborn for my transgression, the fruit ofmy body for the sin ofmy soul?
He hath shewed thee, 0 man, what is good; and what doth the LORD require ofthee,
But to do justly, and to love mercy, and to walk humbly with thy God?"
:'( ;'
418 / 745 . . ·t--
From: jz 12345@earthlink.net
Subject: URGENT: Timcd response required - demand for declaration by Countrywide
officer.
Joseph Zernik DMD PhD

320 South Pcck Drive, Beverly Hills CA 90212 Tel: (310) 286-9567 Fax: (80 I)
998-0917 Ccll: (310) 435-9107
URGENT! TIMED RESPONSE REQUIRED! TIME IS OF THE ESSENCE!

EMAILED TO ANGELO_MOZILO@COUNTRYWIDE.COM AND SENT VIA
CERTIFIED MAIL
June 23, 2007
Mr Angelo Mozilo, Chainnan

Internal Audit Committee
Countrywide*
RE: Samaan v Zernik, Samaan's 1" Lien Loan Application #8137375
Dear Mr Mozilo:
I am approaching you as Chainnan of Countrywide's Internal Audit Committee,

demanding actions to mitigate harm and damages to Zemik by Countrywide, and to
prevent further fraud perpetrated by San Rafael Branch Manager Maria McLaurin and
her associates.
In 2004 Zemik listed his residence in Beverly Hills for sale. Nivie Samaan made an
offer, which was eventually accepted by Zemik. As later uncovered, Samaan was never
qualified to purchase the Property. She was a cosmetics saleswoman who fraudulently
represented herself to Zemik as a realtor who closed several deals a year, and who
fraudulently represented herself in her 1003 (Attachment #1) as solely deriving her
incomc as President of a Corporation. Her Prequal ification Letter was a product of fraud
and an instrument of Fraudulent Inducement to obtain Zemik's consent to the Purchase
Agreement.
Maria McLaurin, Branch Manager, buyer Nivie Samaan, buyer's husband and McLaurin'
s friend lae Arre Lloyd (fonnedy Timothy Lloyd Morrow), and his cousin and business
associate Victor Park, all operating in the field of real estate and mortgages, initiated in
2004, several types of fraud, all related one way or another to the pending sale of my
residence. McLaurin and Lloyd were most likely well versed in mortgage fraud, but this
st
fraud scheme did not work on schedule - approval of the 1 Lien Loan #8137375 was
considcrably delayed, possibly because Lloyd and McLaurin were trying to outdo
themselves this time and issue a fraudulent jumbo mortgage, with no documentation, and
at reduced interest rate. The lattcr provcd more difficult than anticipated (Attachment
419 / 745
J -,//
ft,2,#3, #4).
Following Samaan's failure to perform, and the realization. on several accounts, that she
was not dealing honestly, Zemik issued Notice to Perform, and later, after Samaan
refused to perform, he issued Instructions to Cancel Escrow.
A year later, in 2005, once the price of the Property considerably appreciated, Samaan
filed claims for Specific Perfonnance, and placed lis pendens on the Property. Samaan's
claims initially appeared unsustainable and absurd, but false and fraudulent statements
and documents (Attachment #5) brought or supported by McLaurin kept the case in
court for the second year now.
I demand your help in mitigating the damages resulting from unlawful, fraudulent
conduct of Maria McLaurin. To mitigate damages, and to help in stemming the
ongoing fraud and deceit perpetrated against Zernik, please personally ensure that I
am provided by Fridav, June 29, 2007, 5:00pm, a declaration by an authorized
officer of Countrywide, outlining relevant details shown below (Attachment #6).
Sincerely,
Joseph Zemik
* Countrywide here refers to CFC, Inc and all its subsidiaries and affiliates
PLEASE SEE COMPLETE DOCUMENT fN ATTACHMENT.
Joseph Zemik, DMD PhD <jZ12345@wrthlink.net>

As part ofeffective communications, please respond to requests for email transmission
receipt, if any.
Joseph Zernik, DMD PhD <jz12345@earthlink.net>

As part ofeffective communications, please respond to requests for email transmission receipt. if
any.
~
07-0&24 Mozlo covet Iettel with short atlaetmets.pdf
420 / 745
Court File: "Volume IV Continued" / I
----- Original Message -----
From: 1z12345
Sent: 06/25/2007 01:51 PM MST
To: sandor_samuels@countrywide.com
Subject: URGENT: Timed response required - demand for a declaration by a
Countrywide Officer.
June 25, 2007
Sandor Samuels
Chief Legal Officer
Countrywide*
URGENT: Timed response required - demand for a declaration by a Countrywide Officer.
Dear Mr Samuels:
Below is a copy of a letter I emailed to Mr Mozilo in his capacity as the Chairman of

Countrywide's Internal Audit Committee. In this letter I demand some immediate that he
immediately takc action to mitigatc damages to me resulting from the conduct of Maria
McLaurin, San Rafael Countrywide Home Loans Wholesalc Branch Manager. I also left a
similar lctter for you on Friday in the offices of Bet Tzedek, where you are President of the
Board of Directors.
Phase I - 2004: Typical "Straw Buyer" mortgage fraud compounded with rate/fee discount
As we have uncovered through subpoenas, in 2004 McLaurin was an accomplice to an attempted
mortgage fraud against Countrywide - a government backed mortgage lender. Her main
collaborator was Jae Arre Lloyd (formerly Timothy Lloyd Morrow), veteran mortgage processor
(but not a license holder). In 2004 I had no knowledge of this, although the fraudulent mortgage
application was against my Beverly Hills residence, at that time listed for sale. Initially, no harm
was done to me either.
It appears that neither McLaurin nor Lloyd were new at it. But as seen through documents
obtained from Countrywide, McLaurin and Lloyd were trying to outdo themselves in this case.
They were not satisfied with a typical "Straw Buyer" mortgage fraud - issuing loans for about
421 / 745 j l ,
.. ,i -
Court File: "Volume IV Continued" l-'
1',-
$1.5m for an entirely unqualified borrower. The borrower, Nivie Samaan, a department store
cosmetics saleswoman was represented in 2004 as Lloyd's newly-wed wife, although in 1003
and in Escrow documents she was listed as an Unmarried Woman, and future Sole Owner of the
property. Lloyd, the husband himself, was the one who introduced this fraudulent marital status
listing. As turned out much later, the person represented as the loan broker (Victor Parks, Lloyd's
1st cousin and business associate) was out of the loop.
This particular mortgage fraud was to be a family affair for the new-wed wife. And the "Straw
Buyer" mortgage fraud was to be compounded by fraud against Countrywide per se - by
obtaining the 1st lien mortgage at 0.75% discount relative to prevailing rates and/or fees.
Unfortunately, as it turned out, the compound fraud was not as easy to pull off as these two
professionals, McLaurin and Lloyd, must have assumed. The local branch senior underwriter -
Diane Frazier - repeatedly refused to issue credit determinations for 1003 mortgage applications
with major violations of loan program rules. And the Clues Expert System similarly issued a
"REFER" determination.
McLaurin indeed tried to bypass the local underwriter and she issued a referral to Division
Underwriting Support - Demetrio Gadi - for an Exception Request. But Gadi would not go along
with that fraud either. Careful reading of his "approval" communication shows that he in effect
did not approve any exception at all. The borrower was to add the 0.75%, as previously
detemlined by Frazier, and the borrower was required to produce new, valid 1003s. Moreover,
Gadi reenforced the authority of the local branch underwriter and determined that the branch
manager must abide by atl conditions and decisions previously stipulated by Diane Frazier.
Moreover, he added new conditions that would make it even more difficult, or practically
impossible for McLaurin to get that fraudulent application funded. A new Clues Report was to
be issued prior to funding, and all documents had to be reviewed by a branch underwriter prior to
funding. In addition, Gadi introduced an unusual condition, to ensure that if the loan was ever
funded, damage to Countrywide was contained. McLaurin was instructed to issue a
non-delegated Mortgage Insurance at cost to branch, and demonstrate a certificate in the tile
prior to funding.
In fact this "Exception Request Approval" by Gadi, was a sounding vote of no confidence in the
integrity and professional judgement of McLaurin. I had no knowledge of any of that in 2004, as
the seller in the underlying real estate transaction. But both I and my realtor were getting
increasingly alanned by what appeared as repeated instances of dishonest dealing or worse, and
by failure of the buyer to perfonn. I was also waiting for buyer to remove her contingencies
prior to making a large deposit on my next dwelling. But buyer failed to remove the
contingencies, and I subsequently lost the dwelling that [ had chosen as next for me and my
family. By that time, the typical California real estate transaction, with its measured dynamic
method of contingencies, intended to equitably distribute the risks and liabilities, was turned
upside down. It was clear that the buyer would not be able to close on schedUle, but if I waited
any longer, she could force me to close at any time in the future, regardless of whether or not I
had secured an alternative dwelling. And she could also cancel without a major liability to
herself, since she still had not removed her last two contingencies (Loan and Appraisal).
,.
j ~'
/
I ;..-~
422 / 745 t ,/
Therefore, I issued a Notice to Buyer to Perform. In response, I received a lettcr from buyer in
which she explicitly refused to remove the last contingency (Appraisal), without any
justification. Indeed, she already had in her hand an appraisal that came in at sales price, and her
actions in this regard appeared as yet another dishonest dealing, which in retrospect is surely
was. I then acted within my absolute right and issued Instruction to Cancel Escrow.
Events in 2004, in and of themselves, caused relatively little harm to seller compared to
subscyuent events. These events in 2004 may appear to some as solely an attempt at fraud
against Countrywide, facilitated by a Countrywide Branch Manager. But in effect, the Purchase
Agreement stipulated that buyer "shall act diligently and ill good faith to obtain designated
loans ". Therefore, the fraud was also against the seller. Seller had no consumer standing, and
for that matter no direct relationship whatsoever with Countrywide. But a Countrywide Branch
Manager with no disccrnable reason, was trying to harm seller by enabling and facilitating fraud
by buyer against seller.
Events in 2004 could not have taken place were it not for the willingness of McLaurin to
perpetrate mortgage fraud in collaboration with Lloyd and Samaan. It is also difftcult to assume
that what the underwriter, Frazier, herself described to me was entirely secret - a wholesale
branch where fraud was pervasive and underway on a daily basis, intense pressure was applied
on the legitimate underwriters to collude, total disregard for laws and regulations was abundant,
and the organizational structures and procedures that were put in place in Countrywide to
implement mandatory safeguards and comply with the law, appeared all gone. In fact, careful
analysis of Qadi's actions suggests that he was aware at least of some of it.
Phase II, 2005 - present: Fraudulent "Lis Pendens Sgueeze"

By late 2005 it was clear that real estate values in Beverly Hills had appreciated substantially
from 2004, against all experts' predictions. The fraud then entered Phase II. Samaan filed claims
for specific performance, based on the failed transaction in Phase I of this fraud, and she placed
lis pendens against the title of the property.
This type of fraud is also well known. The owner is left instantly without any control of his own
property, or his own finances for that matter, or his own time of day. Owner is not able to sell,
not even to enter a long term lease, and surely not even to refinance at a time of concerns over
swinging interest rates. Moreover, the litigation, beyond the aggravation, has become
exceedingly costly. At present, this case appears as one that can bring this owner to bankruptcy
and ruin, in a case that is what Bet Tzedek's mission to prevent.
Strange Bedfellows
The current situation put the owner, buyer, and Countrywide in unanticipated positions: One
would have thought that Countrywide, as targeted victim of the Phase [compound fraud would
take action against a runaway Branch Manager and take a firm position against the
borrowerlbuyer.
In fact the opposite is the truth. Attorneys for the Legal Department clearly show no interest in
the fact that a Branch Manager attempted fraud against the bank. In fact attorneys for the Legal
Department have been trying to cover it up by producing partial responses to subpoenas, and at
423 / 745 ( .:/'1

. !
Court File: "Volume IV Continued" ,
times making deliberately false representations.
The buyer, who in 2004 had a check for $15,000 deposit bounce twice for NS F, has now spent
by some estimates close to $200,000 on legal fees. And strangely enough, attorneys for thc buyer
scem particularly interested in protecting the Branch Manager, who is not even their client. In
return, the Branch Manager supplied buyer with fraudulent claims, fraudulent bank documents,
and make statements and declarations in court that fotm the foundation of this malicious
prosecution.
Being a relatively senior manager, identifying herself as a Branch Manager, and submitting
papers on Countrywide letterhead, Maria McLaurin is clearly perceived in court as representing
Countrywide as a whole.
The damage caused to seller by this malicious and illegal conduct of McLaurin is enormous, and
is compounded by the day.
Demand for Immediate Action:

I sent an email to Mr Mozilo earlier, in his capacity as Chairman of the Internal Audit
Committee, and I also left you a similar letter last week at Bet Tzedek, marked "Urgent", and
"Personal". In the letter to you I indicated that I had approached Rabbi Shusterman, Av Bet Din
of Los Angeles, and he agreed in principle to host an informal meeting.
Given your position in Bet Tzedek, in Adat Ariel, in the Ziegler School of Rabbinical Studies,
and statements you make on behalf of Bet Tzedek, and the little that I know about your
education, I cannot believe that had you known any of this, you would have let it stand one more
minute.
In the letter to Mozilo, as an immediate relief, I requested that an authorized Officer of the
Corporation make two statements in a declaration that would be submitted in court. These
statement,>, which I am confident are true, contradict fraudulent statement,> and assertions
repeatedly made by Maria McLaurin and her associates in court since November 2006. These
assertion form the core of the litigation. If the true facts in this matter arc clearly articulated by
Countrywide, and if Maria McLaurin is barred from any further misrepresentation and fraud in
court, where she appears as representing Countrywide, this litigation would be over.
I look forward to hearing from you. TIME IS OF THE ESSENCE.
Joseph Zernik
Cell: 3104359107
* Countrywide here refers to CFC, Inc, and all its affiliates and subdivision.
Date: Mon, 25 Jun 200702:59:02 -0700

To: angelo_mozilo@countrywide.com
I / I _}
~
f-,
424 / 745
OLigino~ MC33age
From: j z 12 3 4 5
Sent: OS/25/2007 04:58 PM MST
To: sandor_samuels@countrywide.com
Cc: Labbijj@adatariel.org
Subject: Fwd: Samaan v. Zcrnik -- Response To Your Correspondence to Angelo
Mozilo and Sandor Samuels
June 26, 2007
Mr Samuels:
I approached you as President of Bet Tzedek, where you represented your commitment to
fighting real estate and other types of fraud. Your response, through Mr Boock, appears
inconsistent with your representations as President of Bet Tzedek, and your standing in other
Jewish institutions, such as Adat Ariel.
As communicated to me by federal regulators (Thrift Supervisors), Countrywide in its own

defense in federal investigation stated the following: Counfrvwide would have never funded
Samaan's I sf lien loan.
Wouldn't it be the easiest case that Ret Tzedek ever resolved, if you made the very same
statement (9 words in total), in a declaration by you or by any other officer of Countrywide*.
Joseph Zemik
*Countrywide here refers to CFC, Inc, and all its affiliates and subsidiaries
X-WSS-ID: OJK7ZHI-OE-OPE-Ol
To: jzI2345@earthlink.net
Subject: Samaan v. Zemik -- Response To Your Correspondence to Angelo Mozito and
425 / 745
i _ .. •?
Court File: "Volume IV Continued" I

jz12345@earthlink.net
(8 07/0212007 1009 AM To sandor_samuels@counlrywide.com,

angelo_mozilo@counlrywide.com
cc rabbijjb@adatariel.org
Subject URGENT! TIMED RESPONSE REQUIRED BY TUESDAY,
JULY 3, 2007, 5:00PM ATIACHMENT PART II
June 29, 2007
Angelo Mozilo, Chairman

Internal Audit Committee
Countrywide*
Sandor Samuels
Chief Legal Officer
Countrywide
Your response is required by Tuesday, July 3, 5:00pm.

ATTACHMENTS E-H WITH THIS COPY
Mr Mozilo and Mr Samuels:
You are addressed here in an urgent call for justice by a person, whose life is on the verge of ruin
as a result of wrong and dishonest conduct by a Countrywide manager who is deliberately
attempting to subvert justice in the Los Angeles Superior Court under Countrywide's name.
You are the two individuals in whose person the safeguard of the integrity of the operations of
Countrywide is most clearly vested, and in whose power and authority it is to mend this wrong.
Rabbi Jonathan Bernhard, the Honorable R William Schoettler, and Rabbi Shusterman are
copied as witnesses to travesty ofjustice at various points along its way. Others are copied, since
426 / 745
IJI
\
/
Sandor Samuels is also addressed as the President of Bet Tzedek (House of Justice), and in his
capacity in other prominent Jewisll organizations in Los Angeles, such as Adat Ariel, and the
Ziegler School of Rabbinical Studies. Bet Tzedek is a not for profit Jewish organization
dcd icatcd to the cause of furthering justice through free legal services to the needy, and to stern
fraud - with real estate fraud prevention listed at a high priority. Bet Tzedek is a worthy
institution, and one that can proudly be held as a symbol of the Jewish community's contribution
to the reople of Los Angeles in particular, and the historic contribution of the Jewish
Community to American life in general. The work of Bet Tzedek was revicwed or mentioned for
their positive contribution to justice in the Los Angeles Times, NPR 's Market Place, the Los
Angeles Daily Journal , the Jewish Journal, and other publications.
In web pages of Bet Tzedek Mr Samuels states: "Whom do you call ifyou are elderly and
someone is trying to evict you from your apartment or your house?".. The answer to these ....
is a reJOunding Bet Tzedek! " (Attachment A ). J am not elderly, but a real estate fraud
perpetrated against me in the LA Superior Court by a Countrywide Branch Manager and her
associates, may leave me elderly and poor. In those web pages Mr Samuels expressed his
commitment to justice. and in this letter I call upon him to act based upon these commitments.
The biblical commandment "Justice, Justice You Shall Pursue" from the Five Books of Moses,
is featured prominently as the guiding words for Bet Tzedek . Indeed, that commandment, and
even more so the words of the Hebrew Prophets have becn admired over the millennia by Jews
and non-Jews alike "... To turn aside the needy /romjudgment, and to take away the right/rom
the poor ofmy people, that widows may be their prey, alld that they may rob thefatherless! "
Isaiah is probably the best known, in part through his reflection as a major influence on the
writings of the New Testament. Indeed. some of the figures that are held as beacons in the
contribution of the Jewish community to American law, followed the same path, and may be
eerily relevant to our matter:
Justice LOllis Brandeis - one of his best known contributions was the Brandeis Brief - claimed to be
the first brief in the United States that relied on analysis of factual data rather than pure legal theory to argue a case,
documented the negative health effects of employees long working hours.
Benjamin Cardozo - known bcst for opinions such as:
• Hynes v New York Central Railroad Company - about the Duty of Care of a large corporation in
relationship to individuals who were trespassers!
• MacPherson v Buick Motor Co. - which expanded Duty in Negligence Actions and redefined the scope of
Corporate Liability
• Berkey v. Third Avenue Railway - which removed the veil of complex corporate structures with
subsidiaries
Indeed, President Franklin Delano Roosevelt, seeing in Brandeis a model Justice, affectionately
nicknamed him "Isaiah ", and the metaphor of "City upon a Hill " for a just society, featured in
President Reagan's FarewelI Address, goes back through the puritan Winthrop and the Sermon
on the Mount to Isaiah as well.
I therefore also approach Sandor Samuels in the Spirit of the upcoming Justice Ball, on July
28th, 2007, the annual fund-raiser for Bet Tzedek , a model Jewish institution in Los Angels. I
wish Mr Samuels and Bet Tzedek a successful Justice Ball, and I was happy to see the list of
illustrious sponsors. No doubt Mr Samuels' tenure as President had a lot to do with that. Will
you gather to celebrate the protection ofJustice in LA, while under your watch I am being
427 / 745 !
J)
robbed ill broad daylight oj my /tome and my saving because of illactioll by Countrywide?
I am the victim of Wire Fraud and Real Estate Fraud perpetrated by Maria McLaurin, Branch
Manager, Countrywide San Rafael, and her associates: Nivie Samaan and Victor Parks (none is a
Countrywide employee). Since November 2006 it appears that Att Mohammad Keshavarzi, of
Sheppard Mullin, is also a major figure in fabrication and coordination offraud in this case
(presumably all protected under litigation privileges). Samaan's fraud attempts that I am
personally aware of now were initiated in September-October 2004, but I was not aware of
these, and had no understanding of any of the related complex areas of the law, banking, and real
estate until December 2006!
Attempted Mortgage Fraud against Countrywide - government hacked mortgage lender, and
Attempted Fraud against Countrywide per se
These fraud attempts were initiated in relationship with the attempt by Nivie Samaan to obtain
mortgage loans from Countrywide, for the purchase of my residence, then listed for sale.
Countrywide is a government backed mortgage lender, and such mortgage applications were
based on the federally mandated and prescribed Uniform Loan Application (1003) (Attachment
fl. ). Samaan's 1003's were fraudulent in almost any conceivable way (Attachment B ). To top it
off, that loan application involved also an attempt at fraud against Countrywide per se - by
allowing Samaan discounted fee of 0,75% for no reason at all. That application, and its
underwriting process involved a multiplicity of Violations ofRegulation B of the Federal
Reserve (Fair Credit) and California Fair Credit and Fair /lousing laws and regulations,
primarily by Maria McLaurin (Attachment C ). Not to outdo McLaurin, the scheme also involved
Wire Fraud by Nivie Samaan and Victor Parks. Fraud and Deceit against Zernik were a minor
part of the original scheme, but moved to center field when the original scheme failed.
Wire Fraud bv Samaan and Parks against a f]nancial institution - Countrywide

Wire Fraud bv Sanman and Parks against Zernik
Not to outdo McLaurin, the scheme also involved Wire Fraud by Nivie Samaan and Victor
Parks (both Califomia Department ofReal Estate License holders) (AttQchment D). Parks was
represented to me as the Loan Broker, without disclosing any relationship to the Buyer, Samaan.
Much later, in July 2006, he turned out to be the first cousin ofSamaan's purported husband, Jac
Arre Lloyd (prior to 2003 - Timothy Lloyd Morrow). And Lloyd, in tum, appears to have been a
long term McLaurin friend/acquaintance. Lloyd was also a mortgage professional for many
years, but not a license holder for unknown reason.
As much later tumed out, Samaan and Parks had an arrangement, whereby Parks, who at the
time apparently resided and operated from offices in the State of Washington, with corporate
ot1ices (Pacific Mortgage Consultants) in northern California, not far from San Rafael. Parks
allowed Samaan and Lloyd to broker Samaan's loan with the San Rafael Wholesale Bmnch. To
facilitate this scheme, fax transmissions sent to the fax number that was provided to us for Parks,
with an area code in Washington State (across State lines) were automatically forwarded to
Samaan's fax machine in the Los Angeles, California, area. It also appears that fax transmissions
that we believed had come from Parks, in reality originated from Samaan's fax machine in the
Los Angeles area. Please note that the elements of Wire Fraud, a Federal violation, include the
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attempt at fraud, but do not require the actual success of the fraud attempt. And Wire Fraud
attempt against a financial institution may result in a prison sentence of up to 30 years (
AUac!zment D )!
Some of the early evidence of this scheme was presented in email notes from Michael Libow,
my realtor, on October \ 8 and \ 9,2004 (Attachment E). In these email notes, Libow repeatedly
demanded that Parks explain Libow's observations regarding phone number switch during fax
communications, that Libow first observed on October 18,2004. Parks refused to respond. To
facilitate the deception, Samaan operated her fax machine(s) without phone line and sender
identifications, in violation of Federal law and FCC regulations. Samaan also communicated
through such lines on behalf of Victor Parks her loan documents to Countrywide, for the
purchase of my home. Such an arrangement could not work with out implicit, if not explicit
approval from the Wholesale Branch. The use of unidentified fax machine for loan origination
and support documentation is not only in violation of the law, but also contradicts Countrywide's
own regulations and policies regarding the use of fax machine. Countrywide, a giant
corporation, has been involved over the years in a number of litigations over the correct use of
fax machines, and certain FCC regulations were written explicitly in relationship to the use of
fax machines by Countrywide. As such, Countrywide has developed specific corporate policies
and instructions regarding the use of fax machines. Given all that, it appears incredible, that
review of Samaan's loan file, obtained through legal subpoena from Countrywide, shows that
almost all the documents supporting the qualification of the Borrower, Samaan, and her
responses to Underwriting Decision/Condition Letters set by the duly assigned Underwriter -
Diane Frazier, originated from an anonymous fax machine, with no phone line number, and no
Fax cover sheet. It appears incredible that this worked, if we are to believe the loan file (
Attachment F] listed such anonymous fax communications found in Countrywide's loan file.
A few transmissions, also listed in Attachment F came from a machine explicitly identified as
Samaan's (Spellbound ). Our hypothesis, based on evidence not shown here, is that these
transmissions were all from an HP Laserjet fax/copier/printer, and Samaan routinely toggled the
settings on the machine between two identities:
a) Anonymous - when communicating on behalf of Parks, as a Loan Broker, and
b) Spellbound - when communicating as herself
But she forgot at times to toggle the identities, and therefore, we find several transmissions that
were intended to be from Parks, but carry the fax imprint Spellbound, and a number of
transmissions by Samaan as Samaan, with fax imprint Anonymous .
Of particular interest is the fact that one of the documents faxed with the imprint Spellbound I
dated October 22, 2004, was a corrupt, invalid Purchase Agreement and Joint Escrow
lm'tructions , the key document governing the whole transaction. Also of interest regarding that
transmission is the fact that it apparently did include a page I, that is missing from the document
as presented in the Loan File in response to subpoena. We believe that in this case there was
indeed a fax cover sheet possibly including incriminating infonnation. Therefore, this page was
eliminated from Countrywide's subpoena production in violation of the law. Countrywide's
sophisticated fax systems allow recovery of this missing document even whem the paper copy
was destroyed, and I expect Countrywide to do just that.
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Of particular interest is also the fact that in anonymous transmission dated October 4.2004. the
document titled Broker and Borrower Document Certification bears the signature of Samaan,
but is missing the signature of both Parks, as Broker, and signature for Acknowledgement by
Authorized Employee (Attachment F). In contrast. the next page, Mortgage Loan Origination
Agreement, bears both Samaan's and Parks' signatures. But the Parks' signature here, and
elsewhere in the loan file bears no resemblance to his signature on court declarations, and is
likely not to be by his own hand (Attachment F )
Broker Document Certification is a key document in the loan file. The lender has no control of
the documents prior to arrival, and a valid Broker Document Certification provides at least
some limited guarantee for the integrity of the documents presented to the Underwriter. Diane
Frazier surely noticed such deficiencies and others that raised concerns for mortgage fraud.
Therefore, she included in the Underwriting Decision/Condition Letter of October 14, 2004, as
a condition, to be satisfied prior to loan approval - the receipt of signed Broker Document
Certification . But such signed Broker Document Certification was never received, and is still
missing in the Loan File. Maria McLaurin, after assuming underwriter authority on October 25.
2004, deferred this condition in violation of Countrywide's own regulations (below).
The facts regarding wire fraud can be corroborated by Michael Libow, my realtor. and by Joshua
Allcn Mailman, designated as my Expert Witness in this case (Attachment G ).
Ongoing Real Estate Fraud by Samaan, Parks. and McLuarin against Zernik
I. Fraudulent Inducement
I was not likely to accept Samaan's offer to purchase my residence in 2004. In fact, I first
responded to another offer. I considered a realtor representing herself as a higher risk offer, it
lacked qualification of the buyer by an arm's length neutral party. I also communicated that to
my realtor, and within a fcw days I was presented with an excellent Prequalification Letter on
Pacific Mortgage Consultants letter head, transmitted by fax, and signed by Victor Parks. Such
a Prequalification Letter is also required by the standard Purchase Agreement that was used in
this transaction. Two and a half years later, when I compared the signature on that Ictter with
signatures of Parks on his court declarations, I realized that there was no thread of semblance
bctween them.
The content of that Prequalification Letter had no 'base in reality, and the letter was not based
on a written loan application as required in the standard California Residential Purchase
Agreement and Joint Escrow Instructions, which Samaan signed to produce a valid offer to
purchase the house.
Who wrote and signed that letter? On what basis? I don't know.
Additional evidence for Fraudulent Inducement included the fact that Samaan listed in one fax
communication a stock account that she would liquidated to make the initial payment. No such
account ever existed, as she admitted in deposition. In another fax she related that she was a real
estate salesperson who closes a few deals a year. We later learnt that she had never participated
in any real estate transaction whatsoever.
II. Fraud against 7--ernik
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Samaan was at that time a cosmetics saleswoman in a department store, represented to us as a
unmarried woman. After I accepted the offer on September 15, 2004, the story was changed, and
she was engaged, to be married within a few days in Hawaii. But later - in her loan applications,
she was listed (apparently by the purported newlywed husband who prepared the applications) as
an Unmarried Jf'omall purchasing the property as Sole Owner. Similarly, in escrow documents
completed in October, she signed on declaration that she was an Unmarried Woman. That
change after my Acceptance, effectively gave the newlywed husband the veto power at close of
Escrow. lfhe wished - he could provide a Quit Claim, otherwise, he could demand to be listed
as co-owner.
Are they married? Are they not? Why they entered this part ofthe fraud? I don't know.
In addition, Samaan was listed in loan applications as a President and Sale Owner of a
corporation - Spellbound Enterprise, Inc, for at least 4 year, with no other employment, and
with income of $400,000 per year from that corporation. Such claims are far fetched. The
corporation was established less than a year earlier, and according to its web page, engaged in
web retail sales of psychic and occult consumer products - "The Supernatural Superstore" -
provided Tarot cards, divining objects, anointment oils, and crystal balls.
The Underwriting process at Countrywide starts/with Phase 1. There is one document that is
clearly, unmistakenly absolutely necessary at this point - a valid, complete Uniform Residential
Loan Application (1003). There is no way that any underwriter could credit detenninations of
any applicant without a 1003, moreover, it is required by Regulatioll B . The 1003, combined
with: Countrywide's proprietary Landsafe Report, and an additional Credit Report issued by the
Loan Broker (in Samaan's case it was Coast Credit) ,are then processed via the proprietary
Clues Expert System to generate the Clues Report.
As it turned out, the compound fraud (funding of an unworthy applicant, and issuing same a
substantially discounted mortgage loan) was not as easy to pull off as the perpetrators assumed.
The local branch Senior Underwriter - Diane Frazier - repeatedly refused to issue credit
detenninations based on invalid Uniform Residelltial Loan Application 1003 showing major
violations of loan program rules. And the Clues Expert System was similarly uncooperative - it
issued a "REFER" detennination (Attachment H). Frazier later lost her job, in part as a result of
her conflict with McLaurin relative to Samaan's loans.
Not being able to issue a credti determination, Frazier, then issued an Underwriting
Decision/Condition Letter, dated October 14, 2004, and bearing her hand signature (Attachment
I). In it she made it clear that Samaan' Loan Application was temporarily suspended, and
Samaan had 10 days to provide new Loan Applications (1003) and other documents. The
conditions as listed by Frazier on 10/14/04 for initial approval are listed below, followed by
Samaan response, in Italics :
I) Acceptable explanation for discrepancies in employment address and phone information -
Samaan never complied with this condition, since her selfemployment was in fact a
fabrication
2) Approval by Corporate Underwriting Office, once a new set of triplicate copies of 1003 with
the 0.75% fees are provided by Samaan
The handling ofthis through Exception Request to Demetrio Gadi is described below
. 1
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3) Pricing to be corrected to show the additional 0.75% fee -
Samaan /lever complied with this condition - she refused to pay the applicable fce
4) Samaan to show that she had already deposited $30,000 in Escrow
Samaan had not even paid that deposit yet. She wouldfulfill this condition after Escruw
was canceled.
5) Prov ide copy of the Purchase Agreement
10/22/04 - Samaan faxed a corrupt document ofunknown urigin, 10/25/04 - Samoan
(axed a valid copy
6) Provide 2003 business license showing self employment at same location for 2 years, or
equivalent from CPA
Samaan never complied with this condition - she eventually faxed a business tax
certificate, but it contradicted her employment data
7) Provide Bank Statements for Well Fargo Account to demonstrate availability offunds to
close.
Samaan never complied this condition - she eventually faxed the bank statements - but
then it turned out that the funds were in a joint account with her mother, who would not provide
her with a leiter stating availability ofthe funds.
The list above shows that out of 7 conditions for Initial Approval defined by Frazier on 10/14/04,
and which Gadi instructed McLaurin to uphold, Samaan would never comply with 4 until the
day the applications died through Denial by Countrywide and Withdrawal by Samaan - January
27,2005!
In discussing the Underwriting Letter of October 14,2004, one must realize that it is
misrepresented by both Samaan and Countrywide's Legal Department as the first underwriting
review of this application after its only submission. In fact, the adulterated Date Received
stamps show that there was another submission, and the duly assigned underwriter - Diane
Frazier indeed confirmed that fact. The Loan Applications were first received in San Rafael
around October 1-2, 2004. There was an earlier underwriting review of the application, and a
requirement was set forth for resubmission of valid 1003's. But in mockery of both
Underwriting and Regulation B , the response was to produce an instant resubmission within
San Rafael - take the old 1003's, cross out the Date Received stamps, imprint new Date .
Received without correcting any of the data, and re-scan them as a new application on October
12,2004!
Why is the Legal Department trying to cover this up, when the Loan File clearly shows the
opposite despite their sincere efforts? J can guess.
McLaurin then tried to bypass the local underwriter. She waited until October 25, 2004. Once
the loan was technically closed, she usurped Underwriter's authority, revived the application, and
in violation of Underwriting Conditions issued a referral to Division Underwriting Support -
Demetrio Gadi - for an Exception Request (~ttachmentJ) . That request was an additional
violation of Regulation B:
- it was presented with neither valid 1003 's nor valid Clues Report
- the annual income figure included in it was 10-fold inflated -- from the fictional $400,000 in
the 1003's to $4,000,000!
- credit determinations included in the request were simply made up, with no basis in sound
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underwriting principles.
Gadi was most likely infom1cd by Frazier of McLaurin's chicanery well in advance. Careful
reading of his "Approval" communication shows that he really did not a~e anuxception at
ill. The borrower was to add the 0.75%, as previously determined by Frazier, and the borrower
was required to produce new, valid 1003s. Moreover, Gadi reenforced the authority of the local
branch underwriter and determined that the Branch Manager must abide by all conditions and
decisions previously stipulated by Diane Frazier. Moreover, he added new conditions that would
make it practically impossible for McLaurin to get that fraudulent application funded:
• A new Clues Report was to be issued prior to funding
• All documents had to be reviewed by a branch underwriter prior to funding following
Countrywide document quality assurance procedure.
• McLaurin to issue a non-delegated Mortgage Insurance at cost to branch, and
demonstrate a certificate in the file prior to funding.
In fact this Approval by Gadi, reads as a resounding vote of no confidence in the personal
integrity and professional judgement of McLaurin.
I had no knowledge of any of that in 2004, as the seller in the underlying real estate transaction.
But both I and my realtor were getting increasingly alarmed by what appeared as repeated
instances of dishonest dealing or worse and by Samaan's failure to perform. I was also waiting
for Samaan to remove her contingencies prior to making a large deposit on my next dwelling.
But Samaan failed to remove the contingencies, and I subsequently lost the dwelling that I had
chosen as next for me and my family.
By that time, the typical California real estate transaction, with its measured dynamic method of
contingencies, intended to equitably distribute the risks and liabilities as the transaction moves
along from Acceptance to Closing, was turned upside down. It was clear that the buyer would
not be able to close on schedule, but if I waited any longer, she could force me to close at any
time in the future, at will, regardless of whether or not I had secured an alternative dwelling.
And she could also cancel without an significant liability to herself, since she still had not
removed her last two contingencies (Loan and Appraisal).
Therefore, I issued a Notice to Buyer to Perform . In response, I received a letter from buyer in
which she explicitly refused to remove the last contingency (Appraisal), without any
justification. And Parks, the purported Loan Broker, was feeding false information to my realtor
at the same time. From October 14 to October 18, 2004, he never informed Libow, my realtor,
even once of any problem related to the Purchase Agreement. On the contrary, on October 18,
2004 he was communicating that Samaan's Loan was approved, the only remaining condition
being Appraisal Review. Neither couldn't be further than the truth - Samaan's loan was
temporarily suspended pending receipt of valid 1003's. But Samaan would never submit valid
1003's! And on October 19,2004, Parks informed Libow that Review Appraisal would be "in by
Friday", (that was Oct 22, 2004), when in effect, it would be almost a week before Maria
McLaurin would first take over underwriting and order Appraisal Review - in violation of
Underwriting Conditions.
Indeed, Samaan already had in her hand an appraisal that came in at sales price, and lacked any
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loan approval. But in response to the Notice to Perform, she removed the Loan Contingency,
and refused to remove the Appraisal Contingency. Her actions in this regard, and even more so
- the justification she provided in a letter, appeared as yet another dishonest dealing, which in
retrospect they surely were. I then acted within my absolute right and issued Instructioll to
Cancel Escrow.
In short - the loan file indicates the following double history by the time it was produced in
response to a legal subpoena. Needless to say, creating false loan history is another violation of
Regulation B :
Date True History Revised History
I) October 1-2 ? - First submission - October 1-2, 2004? Records eliminated, stamps crossed
out
2) Early October - Underwriting communication requires resubmission of valid 1003's
Records mostly eliminated
3) October 12 - Mock resubmission Now presented as the only Date
Received
4) October 14- 1st Underwriting Letter Prior Underwriting documents mostly
eliminated
5) October 14-25 Ten days allowed to correct 1003's etc Samaan again refused to resubmit
valid 1003's
5) October 25-29 McLaurin attempted Exception Request
6) October 29 2nd Underwriting Letter - Conditional Approval
Original Approval Conditions still not
complied with
6) November 3 lrd Underwriting Letter - Conditional Approval
Original Approval Conditions still not
complied with
7) Jan 27, 200S! Denial of the 2nd lien loan by Countrywide Samaan tried last minute
Withdrawal to avoid Denial
These events in 2004 may appear to some as solely an attempt at fraud against Countrywide,
facilitated by a Countrywide Branch Manager. But in effect, the Purchase Agreement stipulated
that buyer "shall act diligently and in good faith to obtain designated loans ". Therefore, the
fraud was also against the me, as seller. I wanted to sell my house and move in 2004, my life has
been since disrupted, and I am under constant extortion by Samaan as a direct result of that fraud
attempt against Countrywide.
From October 2004 to October 2005, Samaan issued various threats, but waited a year, and when
real estate continued to appreciate, she filed suit for Specific Performance in October 2005, and
immediately placed an abusive Lis Pendens on the property as well. I was instantly left without
any control of my own property, my own finances, no access to my own equity even to finance
my own legal defense against a malicious prosecution, and with no control of my own time of
day for that matter, with frequent court appearances and rolling Ex Parte threats that are
deliberately aimed to harass. I am not able to sell, not even to enter a long term lease, and surely
not to refinance at a time of concerns over swinging interest rates. By now, the property has
appreciated over 30%, but Samaan is demanding to obtain it in a 2004 price! And in between, I
had to defend myself against a malicious prosecution that has completely disrupted my life.
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In November of 2006 I filed a Motion for Expu/lge of Lis Pendens. But in what was probably
the most stunning episode in this whole tale of fraud, Samaan's husband and her counsel,
Mohammad Keshavarzi. companions in fraud under Sheppard alld Mullill name, were allowed
to produce, in what was at best an abuse of discretion, a new set of documents, never produced in
a prior subpoena in an Ex Parte Sur Reply. These documents included:
I) a new Ullderwriting Letter, dated October 26, 2004, never produced by either Countrywide or
Samaan
2) a new letter from McLaurin, endorsing the new Underwriting Letter, and misinterpreting it for
the judge.
3) a new copy of the Purchase Agreement and Joint Escrow Instructions, never seen before,
never earlier produced by either Countrywide or Samaan
4) a new declaration by Parks
5) a new declaration by Keshavarzi
And a whole new history was made up for the loan approval process:
I) October 14, 2004 - Samaan's loan application was suspended because of missing initial(s) or
signature of seller on the Purchase Agreement
Which one? it was never specified
2) October 22, 2004 - Samaan asked Mara Escrow for a copy of the Purchase Agreement, but
received by fax a copy missing my signature and initials
That was a fabrication. Mara Escrow faxed Samaan (they thought they were
(axing Parks) a copy bearing my signature and initials.
3) After October 22, 2004 - Zernik signed the Purchase Agreement only after October 22, 2004 -
That was anotherfabrication. The copy ofthe Purchase Agreement, forwarded
by Samaan on October 25, 2004 (it came with afax cover sheet identified as Parks) shows my
signature and initials, a fax header imprints show that it is the copy fhat was faxed from Mara
Escrow on October 22. 2004.
3) It was Zcmik who prevented Samaan's loan from being funded by denying her that
initial/signature.
That was of course another fabrication. If one is to name three reasons Samaan's
loan were suspended [ would lists: a) missing valid 1003's, b) missing documentation of funds
and bank accounts, and c) conflicting Residence and Employment data the flagged Samaan as a
potential fraud case by both the Clues Report and the manual Uniform Underwriting
Transmittal form.
It is sufficient to read the correspondence betwecn Libow, my realtor, and Parks, Samaan's Loan
Broker on October 18-19,2004 (Attachment E ) to see that this fabrication had no base in reality.
Parks, in all communications with Libow, never asked for such initials or signature. And Mara
Escrow did fax Parks a valid copy upon his request on October 22,2004, but Parks failed to
provide it to Countrywide until October 25,2004, all well after I canceled escrow.
I first came to realize that something awfully wrong was going on in November 2006. After a
few months of intcnsive learning and investigation, [ finally rcalized that all five documents
listed above, introduced by Keshavarzi and Sheppard Mullin in November 2006, and some
others fi led in that hearing as well, were all products of fraud, a full collaboration between
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Court File: "Volume IV Continued" i i,
Samaan, Parks, McLaurin, and Keshavarzi. Keshavarzi, Samaan's attorney, described such
allegations as "compiracy t!teory ".
But I repeatedly demanded that Countywide explain how suddenly, in November 2006, a new
Underwriting Letter appeared for a real estate transaction in 2004, after it had been consistently
missing from the Loan File in four (4) repeated subpoenas! And Countrywide eventually
produced in mid April 2007 a series of documents recording Procuremellt of Perjury including
the newly emerged Underwriting Letter and McLaurin's letter that introduced it to court (
Attachment K). With that production, the Legal Department repeatedly claimed, and stated in
writing as well, that all documents related to Samaan v Zemik were produced. Now we arc 2-3
months later, and it was obviously a deceptive claim,
But the Underwriting Letter of October 26, 2004, newly emerged, was not a valid Underwriting
Letter at all. It did not reflect the true loan underwriting process as of October 26, 2004, and it
did not say anything about suspension on October 14, 2004, as a result of missing Zernik's
initials or signatures as claimed by Samaan in court. Yet the Legal Department has consistently
refused to provide any statement to counteract the harm done by McLaurin's fraud, while
McLuarin appears in court as a spokesperson for Countrywide. Instead, the Legal Department
has repeatedly hid behind the irrelevant and false claim that it had complied with its response to
a legal subpoena, and with it appeared that it had considered it fulfilled its obligations.
And then by June 2007, I discovered that already in early April 2007, in response to
investigation by a Federal agency, Countrywide had engage in correspondence that contradicted
McLaurin's claims in court. Countrywide claimed that Samaan's loan would never would have
been funded, regardless of seller's cancellation! Those documents were omitted from production
in violation of the law.
And in correspondence last week, witnessed by Rabbi Bernhard, Countrywide's Legal

Department all of a sudden claimed that an internal investigation had concluded that my
allegations were "without merit But that report was also omitted from subpoena productions!
ft.
At present, it appears that if allowed to continue, this case will surely bring me to bankruptcy -- a
case that represents everything what Bet Tzedek 's mission is to prevent - real estate fraud
perpetrated against a lawful owner by professional crooks. A Countrywide Branch Manager,
which I have never met in my life, and with no discernable reason, has been trying to harm me
by enabling and facilitating fraud by Samaan and Parks against seller, which by now totals
hundreds of thousands of dollars. Together they have scuttled my life plans, and are threatening
to drive me to bankruptcy. I have already been forced to open retirement plans to finance my
defence in a malicious litigation where McLaurin is obviously an accomplice, and Countrywide'S
Legal Department's role is still to be determined.
Attorneys for the Legal Department clearly show no interest in the fact that a Branch Manager
attempted fraud against the bank. In fact attorneys for the Legal Department have been trying to
cover it up by producing partial responses to subpoenas, and at times making deliberately false
representations to the fraud victim. In their most recent email (below), all that was denied. But
in the very same email note was the statement that first made me aware that Countrywide
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Court File: "Volume IV Continued" /
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engaged in an internal investigation that found my allegations "WithOllt merit ", which had never
been produced in four (4) subpoena productions!
That fact alone shows that my allegations were not "without merit ". for one, I have deciphered
most of the documents in the loan file, and otherwise, months ago I managed to get hold of the
local branch underwriter, Diane Frazier. She confirmed my concerns, and provided me with
invaluable data in understanding some of the missing links. She also provided me with general
information regarding loan underwriting in the San Rafael Wholesale Branch around 2004, that
allowed me (combined with some estimates from elsewhere) to make some estimates of the
scope of fraud conducted in that branch.
My estimate is that Maria McLaurin was single-hand ely involved in facilitating about
$500,000,000 per year in fraud against a government-backed mortgage lender, by effecting
the approval of outlandishly fraudulent mortgage applications that the senior underwriters
refused to approve, even under constant pressure.
Of interest, when I last tried to call Frazier, a man answered the phone, who warned me that I
must never call her again, since she promised Countrywide never to talk about these issues. If
ever called her again, he promised to "come down to LA and gun you down". We
subsequently tried to serve Frazier with subpoena for deposition, but it vanished, had abandoned
her residence within days after my last phone call with her, nowhere to be found. In our last
phone call she doubted that anybody "could bring Maria McLaurin down. "
In SUbpoenas and Meet and Confer I have repeatedly asked for any Internal Audit, Extemal
Audit, Security or Imaging Reports, or data independently gathered from Pipeline Reports for
the relevant months, to corroborate the data in the Loan File. The Loan File, as produced by the
Legal Department, was obviously intended to deceive. There was no way to construct a
coherent, internally consistent underwriting process out of the material in the Loan File as
produced. And despite the intense effort to eradicate conflicting evidence, it still shows that
Samaan's loans were submitted and reviewed prior to October 12, 2004. But attorneys for the
Legal Department repeatedly engaged in deceit, claiming that I was asking for records that were
"non-existent". That claim was repeated even in the recent note .... last week (see below).
None of the extensive email correspondence related to this loan file was ever produced. Such
email correspondence would surely provide much of the missing information. McLaurin herself
explained to me by phone on December 2006, that she had been personally involved in preparing
the original subpoena response, and that she had concluded that Countrywide was not obliged to
produce such digital records in response to legal subpoenas. Instead, Countrywide repeatedly
produced an invalid empty paper form titled "Conversation Logs, San Rafael Branch If. Already
months ago, Diane Frazier informed me that such paper forms have never been used in San
Rafael at least as far back as 1989, the year she started working there.
It is also obvious that critical fax cover sheets or transmittal letters were consistently eliminated
from the loan file. The reason, most likely is that they would have shown that which is obvious -
that Samaan brokered her own loan with the Wholesale Branch, in defiance of the law and
Countrywide regulations. I know enough about Countrywide's systems and practices by now,
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and some of the history of Countrywidc's litigation history in relationship to the use of fax
machines. There are even specific federal regulations authored in response to problems arising
from Countrywide's fax machine practicers. Therefore, it is obvious that by 2004 Countrywide
was using sophisticated fax machines that would allow retrieval of any lost paper copies from
transmissions. And Countrywide staff was supposedly trained in FCC regulations, and security
regulations as well, not to accept loan documents arriving from an anonymous machine, with no
phone line listed, and with no fax cover sheet. And if that was indeed the case - then there
should have been an Internal Audit report reviewing these instances.
The buyer, who in 2004 had a check for a $15,000 deposit bounce twice for NSF, has now spent
by some estimates around $200,000 on legal fees. And strangely enough, attorney Keshavarzi
seems particularly interested in protecting McLaurin, the Branch Manager, who is not even their
client. [£1 return, the Branch Manager supplied buyer with fraudulent claims, fraudulent bank
documents, and made statements and declarations in court that form the foundation of this
malicious prosecution.
The damage caused to me by this malicious and illegal conduct of McLaurin is enormous, and is
compounded by the day.
I sent last week a couple of email requests to Mr Mozilo and Mr Samuels marked "Urgent", and
"Personal". I have nevcr heard back from either of you. Instead, I am got a recycled obfuscating
response from the same Legal Department attorney who has been deceiving me for almost a year
now, claiming that Countrywide complied in full with Legal Subpoenas, etc. It is the same
attorney who used a claim of pious observance of the Jewish holiday of Passover to avoid
showing up in Court to defend his position. As a father who raised his children in the Jewish
faith, I found that particularly offensive and despicable.
In a previous letter I have reduced my request to a declaration of nine words by an officer of the
corporation, a repeat of the statement that I was informed by Thrift Supervisors (Federal
Banking Regulators) was used by Countrywide to fend off investigation into this issue:
Samaan's first lien loan would never have been funded . In response I got a refusal by the same
attorney.
I would still like to believe that I would get a positive response if you knew the facts in this
matter, which were therefore provided here for your review in rather great detail. I still believe
that those who would be hosting the Justice Ball later this month, celebrating with many in the
law community, would not allow this to stand.
In A.ttachment I is a copy of the legitimate Underwriting Letter of October 14, 2004. [n

Attachment K (and Exhibits 24 and 28 in the text below) is the newly found Underwriting
Letter, that first appeared in Countrywide's productions in April 2007, but appeared in court,
through McLaurin, in November 2006. This newly found Underwriting Letter has been the
center-point of fraudulent statements. These fraudulent statements can be summarized as
follows:
/
438 / 745
Court File: "Volume IV Continued" \\ ;j /
I
COUNTRYWIDE SUSPENDED DECISION ON PLAINTIFF'S LOAN APPLICATION
BECAUSE ZERNIK HAD NOT SENT THE FULLY EXECUTED PURCHASE
AGREEMENT. SUCH SUSPENSION TOOK EFFECT ON OR AROUND OCTOBER 14,
2004. SUCH SUSPENSION WAS EVIDENCED BY A DOCUMENT PRESENTED IN
EXHIBIT #24 IN OPPOSITION, AND AGAIN AS PART OF EXHIBIT #28 IN THE
SUR-REPLY.
Following arc some examples of statements (in quotes) from offending filings that resulted
from this fraudulent Countrywide document, followed by my statements describing the
true facts in this matter:
a) Plaintiff, through her Attorney of Record, in the Sur-Reply Brief p7, referring to Opposition
Exhibit #24, stated:
"The following week, on Friday, October 15, Parks learned that the lender was suspending a
decision on the loan because defendant had not yet provided Parks with a signed Purchase
Agreement (Parks Dec I ~ 11, Exh 24)"
This statement is repeated numerous times, but it is false and deliberately misleading. Exhibit
#24 is an invalid, false and misleading document.
b) Victor Parks in his declaration in the Opposition to the Motion (Exhibit #100), p5 states:
" II. The following week, on Friday, October 15, I learned that the lender, Countrywide was
suspending a decision on the loan because Zemik had not yet sent me the fully executed
Purchase Agreement. Attached hereto as Exhibit 24 is a true and correct copy of Countrywide's
notice which states the reason for the suspension."
The document presented in Exhibit #24 is an invalid and inadmissible document. Att
Keshavarzi tried to get it authenticated by Maria McLaurin, Bank Manager in Countrywide (
Exhibit #105). She refused to do so (Exhibit #105), yet he included this document once in the
Opposition, Exhibit #24, and again in the Sur-Reply, Exhibit #28.
This document was never included by Countrywide in subpoenas as part of the Underwriting
Decision/Condition Letters. It was not part of Countrywide's Loan File.
This document was created on October 26, 2004, and not on October 15 or earlier, as implied
here.
This document never stated the reason for the suspension as claimed in the previous sentence of
Parks' declaration.
The claim in Paragraph II, af\d Exhibit #24 are false and deliberately misleading.
c) Again, on p6 of Victor Parks' declaration in the Opposition to the Motion, he stated:

" 16. The only reason Countrywide did not approve the appraisal of the property was that we did
not timely receive the Preliminary Title Report and the executed Purchase Agreement."
This statement is lacking any valid evidence. This claim is false and misleading.
d) Plaintiff, through her Attorney of Record, in the Sur-Reply Brief p3, and Exhibit #28,
stated:
"Second, to remove any doubt that Countrywide suspended Samaan's loan because it had not
yet received a signed Purchase Agreement, attached hereto is Exhibit 28 to the Supplemental
Declaration of Victor Parks. Exhibit 28 is a letter from Countryside to Victor Park, dated
439 / 745
Court File: "Volume IV Continued" , ,'" .. -
i. __ 'I-.
il t ~¥
November 6, 2006, confinning that Countrywide did, in fact, cancel Ms Samaan's loan because
defendant had not yet provided her with a fully executed Purchase Agreement."
This statement is lacking any valid evidence. This statement is false and misleading.
e) Victor Parks, in his Supplemental Declaration in the Sur-Reply stated:

"Attached hereto as Exhibit 28, is a true and correct copy of a letter I received from Countrywide
Home Loans, Inc., dated November 6,2006, confirming that on or around October 14,2004,
Countrywide suspended the processing ofMs Samaan's loan because they had not yet received a
copy of the fully executed Purchase Agreement. This letter is accompanied by the actual Notice
of Suspension that Countrywide sent me in October 2004."
This statement is lacking any valid evidence. This statement is false and deliberately misleading.
This fraudulent Underwriting document, together with Maria McLaurin's contributions have
since become the corner stone of this malicious fraudulent prosecution. They are now featured
prominently in an incredible Motion for Summary Judgement, pending hearing in a few weeks.
Mr Samuels and Mr Mozilo, you have been provided by now with sufficient materials to
figure out the situation. Uyou need any additional documents, please let me know
immediately. Lack of action by you would surely permit further fraud. This perversion
and subversion of justice has proceeded uninterrupted for months in the Courthouse in
Santa Monica! It is time to bring it to an end.
Mr Samuels and Mr Mozilo, I call upon you to uphold your personal duties to safeguard
the integrity of operations of Countrywide, and immediately stop this illegal conduct by
McLaurin and do all that is necessary to ensure that I am protected from any continuation
of this malicious, harassing prosecution, to the degree that it is reliant on Countrywide
employee, Maria McLaurin.
Left uninterrupted, this malicious prosecution, based on fraud, will surely rob me of my
savings, and ruin my life. It has already caused my to neglect my business, my children,
and social obligations. It has caused me enormous financial losses, relative to my means,
and it promises to leave me bankrupt.
Given Mr Samuels position in Bet Tzedek , I call upon you to respond to the simple
questions below, so that I may remove this abomination from the LA Superior Courthouse
prior to the Justice Ball !
Please respond to the following guesitons by Tuesday, July 2, 2007, 5:00pm
Regarding the document purported to be an authentic and valid Countrywide Underwriting

Decision/Condition Letter (,4ttachment K).
I) Was this document a valid true and correct Countrywide Underwriting Letter?
2) Was this lctter dated October 14, 2004, as was represented in Court?
440 / 745
{
11\
Todd To
BoocklAttorney/Legal/CF/CCI
ee
07/05/20070726 AM
bec
Subject Fw: PLEASE ASK SANDOR SAMUELS TO STOP REAL
ESTATE FRAUD
----- Original Message ----

From: JOSEPH ZERNIK [jz12345@earthlink.net]
Sent: 07/04/2007 07:31 PM MST
To: jzl2345@carthlink.net
Cc: sandor_samuels@countrywide.com
Sullject: PLEASE ASK SANDOR SAMUELS TO STOP REAL ESTATE FRAUD
FOR IMMEDIATE RELEASE
COUNTRYWIDE* (NYSE:CFC) SUB-PRIME LEADER SEEKS PROTECTIVE ORDER

AGAINST DR JOSEPH ZERNIK
Countrywide's Mozilo and Samuels Complicit in Real Estate Fraud
Beverly iii lis, July 4 In Samaan v Zernik , heading for trial, an invalid Countrywide document,
dated October 26, 2004, was declared as dated October 14, 2004 -- deceiving the court and
committing fraud against Dr Zernik. The fraud was committed by collusion ofNivie Samaan
and Maria McLaurin, Countrywide Branch Manager. rn 2004 McLaurin and Samaan also
colluded in Mortgage fraud attempt and in Wire Fraud. Based on data for 2004, as estimated by
Diane Frazier, fanner Senior Underwriter, McLaurin also probably personally approved about
$0.5 billion per year (!) in grossly fraudulent government-backed loans. '
Angelo Mozilo is Internal Audit Committee Chair, and Sandor Samuels is Chief Legal
Officer at Countrywide. Samuels also served in public positions in Ziegler School for
Rabbinical Studies, and in Adat Ari EI, and is now President at Bet Tzedek (frce legal services),
where he prominently called for Justice and real estate fraud prevention. Upcoming Beth
Tzedek Justice Ball, July 28, 2007 raises funds to provide "equaljuslicefor all ".
In recent days, Dr Zemik approached three community dignitaries - R Jonathan Bernhard of
Adat Ari EI, Hon RW Schoettler, and R Joseph Shusterman ofChabad in appealing to Mr
Samuels and Mr Mozilo to stop real estate fraud in Samaan v Zernik. Both Countrywide officers
declined to take action, and Countrywide announced it will seek protective order against Dr
Zernik in Santa Monica Court, Friday, July 6, 2007, 9:00am. Unusually broad protective order
for a public figure like Samuels violates the Freedom of Speech.
*Countrywide here denotes CountryWIde Financial Institution and all its subsidiaries and affiliates
For additional information regarding this action contact:

Joseph Zemik, DMD,PhD
TeI:3104359107
Fax: 801 9980917
Email: jzl2345@earthlink.net
441 / 745
1J
') 'V
I
ON3
442 / 745
•Jae Arre 'J .R.' Lloyd"
~
To "Maria McLaurin· <Maria_Mclaurin@Cauntryvvide.com>
<jrlloyd@Sbcglobal.net,.
cc
1; 103(200603:21 PM
be:
Subject Samaafi Suspense from Countrywide
Hi i";ar i<'..
H~re IS th2 suspe~se iS5~ed by :ou~trywide. Again, we just need a s~a:eme~t or

gu~cieline showi:1C, :rrat :he :ully Exec·.;ted Purchasp Agreement is l:-=quiz:ed :J,l
Count.ryw_dc' for 'i"c. t Loa:-, )'l.pproval.
n',ank you.
J.R. Lloyd ~or V!ctor Parks

310.275.5353
~
Atlachedl.rOf-
69-f
443 / 745
Samaan v Zernik (SC087400) Los Angeles Superior Court :\ .-'
f1i)'4 ~~~f:O,:T If ':CQ4 1)5US' ?/1.'O 6e3~870d65 '
Amerie<s' _ Whol.esale LQnc1ar
COUnTRYWIDE HOME LOANS. INC. KI~E~ JhXES O'~rLL~ D5~ PACIfIC

~<v.
KCRt(;).G[ COHSULrANTS
~r"-nch .: O~0093J Il<_C<><oOJct· vICTOR :?APF,-:::$: _

750 L:rroARO ST~T 5rE 11 0
SfJ, RAFAEL, CA 949Q1 Brok«I'no<.•
Phore: (415)257-2'01
FAx: •__. _ ~ .. r.
If you N1V~ qll<lllllons about 1t11. '-1101', pleeae oonaet u. at the phone number abOve_
Lo"-,, num.o..r a1731315 has been re?i."""<l "to ~he following 'teLU' fer blIVI>; SAMMI'l,
l"., P"'I/ram: I<t: 5/1 I.:I:BlI. AlQ( Inter•• tOnly ~Typo: O'R1iBR occup n:o
~TYl"': R£DUCZD
Aoonao T\'>'O, PVRCHJ\Se; ..... Q<a<;o: W/A
Property Adh..:32 0 S P!:CP: OR CA-.d:t s..oc:rr.: 123
BIWERJ.'t R:LLS, CA
90212-3i15 l.o<;k. E.xpi.raticn

:;;a.-;e:
Ptop.erly 'f)'Pfll" St1l
~"'~1Nvl.. Fl,.c"t
~~~
L 314,400.00
l'WalwdV.1utI
0.00
Sole.t Pna
1.118.000.00
LTV.cLTV
eo.oo f 90.00
lo..J~R41o !liar! R.lo Roo ..... "'" 0ILePl<
o.aoo.
,10.500 :5.~00 0.000
,.,.."",......"-.,, --
I'. . .•
• . 4 61
~gfn
2.2.'>0
T_
3lQ N~t No. of Moa. 0
1h~s l~an ha~ b~en SUSP~NDEO un~il ~e following in£c~tion is provided. ~Q ~uAt ~ee~ive
tni, ~nfoan"L1on by lO/2!>12004. Ie ~" do not. rece.ivc i.t by that dat.e, we lllU-,t elo".. the file
for Lnoompl~ten~~a. Wh~n we rec~ive the in£OrM~t~oo, we ~ill review che file for further
det'_ennin..ltition.
Colldit.l.on Condlt1.on O~:lc./COl'l'lMe'tltc
Corp approv~l req:i'd, foe th..1. fIlInh,a.·"Io.d p.roqraa '-II • "'1'S~ ~dded to
t~ , .ny cond1~!on" provide a aompl~~ copy ~c~~ Alo~~ with
all coodJ.~lon~ 1..D t.,r.1t'lic.ate:
2' PrJ.c.l.nr; to OIJ c:orle-'ct.ed t"_o ",how. ')54. 'a4e:t 'Co t~ !o~ t.tll~ ~C1h.nced
.xCftption pro~z~
3 i'r;Qvlo. eo:ompl .. tc .M.o-eu~Q<l purch&S'~ OOr\t::rlJ.ct. e.cltow l..ntttrlJC1:1ort,
"'l~). .,ot ae't • • • • ub.~i.tut.Q
C1Q510q docu~n~s ~tll b4 ~~ AV.1~.ol~ .n.n tne f~l1ow1nq coQdit.lo~$ are ~et:
C~odit..1QJ\ CotltU~ie#-' D•• e/C~n't-lS
~ APPAAISAL-,,=-rJ\BlJl: Frr:r.n JU:VrltJf ('to SUI:'l>Ol'<]' S_..........J
$1. l1G. ~CO proqraJll quideltn.. <It po't to bnlr. will n..... ~ .ft.. "
eorp appxoval (ord.. r~ 10('5/04'
S <;Ol\l\£CH:D(SIGfll;P 1003 tAT LOCl(-IlHU,::&1
.11011 tYP<' of ·busi""...
(Paqe'l of 2 ~a/2'f2004 10 •• 4,511

• u!CERWf\ITI';G OECf;~L£T1ER. Vl\.Il
~-usiOll'G-<~
I
II
1111111
'21.'1' .! .
I
, , , . '
3~
444 / 745
Iv i ,.
Samaan v Zernik (SC087400) Los Angeles Superior Court ,
(:) ;~
IJ11E:OC 26 20C' . C::4 :53/NC, 5334870666
lnon" 81737375 £loc't>_. Namo' S~, 1.1I~-.\:..:'!:.:E=-- _
.~ ~Ll~ De ohle to func your l~n when t~ followin9 :ond~cions arc ~~t (~he8e ~tC~2 will .~.o 4ppe4C
0C\ YQ~r clo!tn9 i.nat.xvet.i.O:'l8):
O:u;ldl"lon CQnd.!.t.1.Of\ Oeilc/C~ents
t' ""P~AlS"!.-ACeJ:r-""BLI; eKL/NEW >J'O'!UX$},J, IMIN VAJ.-C_I
.it not. f\lndOd bV :2/2 provid~ ... 4rJ.'II'cQy O~ "$ (I re.c4ct
7 Ar'RArSAL-"pPRArS£~ To Pn~_I06 CURRENT Lr~~"c
p.rovtd~ :al~o .-n il6011;J.onAl ~H~t of color; ~t;o:
'1 "roUR C£RTlnCAnoil n"T /Ill ~p= = TiW& ANll OOIU\~CT
" ".J:LO: - Co<>V OF f'Il\ST HORfG~~J:l .ron:
ConCLl,tumc. cloee w~th 2nd ilt. '1']1800 " pro'J'id'!' note
t C lna:o<s-co"WL1:.:IT./S!GNED rOQH tS06 / 9S-01
1.1 collect .5400 APpra.!.!tAl fl.1d re:vie-w fc-e t:rOf'. bT'Yr 1" ~.cr~
thank you for ,~bmitCiOQ your loan to ~uD~~i~, ~ricat~ "hole831~ Len4e.t Nt s1ncer~lv .p~~cla~~
your bu;:, ine-:J'.
OIi\J'tE mAttE!'. lQ/H/2004
Uod~ rwr1t:.r Oat"
Branch Mdn!l'i!Jle= o.-te-
D"P / II"" / RSl'l Datot':
rh~ toll<Yt<U\q cond.l~i()n. have M_t1 ....t.i.Cied 1l1J\~ a..!'fl _hom hllre lor ret~renclt' only:
Condit ton ~sc./c~ntc
""'""~ lIRlnEN ~IOfl RI:GAllOl"~ _

A~e.p~ab~~ ek~~anAt1oh Why ~5~ne •• 1q fl1 r~verse is on 1221 So
A.l.fr~4.., ..... "'
Vl."d-fy $lOk. pc tJ~po:lllt: ~/ eKE"OW wI 86Urc_ Vollr.1:ried.
P...:-vlde O~f b\l:tt.n.:s:s l.ic~n.... QC CPA L4't.u~r ~r'~:tyJ.h"J C1J,.¢'4 ).ASt. '2
}'r3 lO~Q't. 0...$ :soel! f':«rployed .&rH l::>c«t.i.QQ
\IF bk ~t",,,, HH-t0ge)eO for '1/12 th.rv BIIZ at $1I0k
~c<:ept-Clb.l.~ VOJ\ <o'{orinq pt'eo@t'lt, re ..idUlce-, .req'd for 2nd
lP~qQ 2 at 2 10/2612001 10:44:521

• u>JOtR'oo'fRlTll4COCC~lEl'til\·WW
2011' 4l'J<W41
38P
445 / 745
Court File: "Volume IV Continued" ,
.1" I , .I
Samaan v Zernik (SC087400) Los Angeles Superior Court /'i
/ .'
I
"MOe Keshavarzi"
~
To maria _mdaurin@counlrywide.com
<MKeshavarzi@sheppardmull
in.com> cc
1110612006 03:22 ?M bee
Subject S-imaan letter
Marla,
Attached please find the declaration and letter. I would reaily appreciate your help, as we are only asking
for the document to be authenticate<! If you have any questions please let me knoW, If it Is acceptable to
you please sign and fax it to 213-44:'>-2910. Thanks again.
<;<DOC. PDF»
Moe Keshavarzi~ Esq
Sheppard Mullin Richter & Hampton, LLP
Direct Line: 213..{3 17-5544
Fax: 213-443-2910
Email: mkeshavarLi@shcppardmuliin.com
This message is sent by a law firm and may contai~ infoL~ati6n that is
privileged or confidential, I~ you received thi~/transmis5icn in error, please
notify the sender by reply e-mail and delete the message and any attachments.
Sheppard, Mullin. Richter & Hampton LLP
Please vl'S~t: our website at www.sheppardmullin.com DOC:PDF

~
~1'1

446 / 745 /
Court File: "Volume IV Continued" , \

,t,
/\
II
ii
DECLARATION OF MARIA McLAURD\T
2 [, Maria McLaurin, state and declare as follows:
4 1. I am the br,,:'lnch manager for t'.!e San Rafael branch of Countrywide
51) Home Loans, Inc, the'branch that processed Ms. Samaan's loan (loan number 81737375).
61' In or around October 14, 2004, Countrywide suspended Ms. Samaan's loan because
i . Countrywide had not yet received a copy of the fully executed purchase agreement.
sllo. Attached hereto as Exhibit 30 is atrue and correct copy of the letter that Countrywide sent
9 Ito Ms. Samaan's broker, Victor Parks.
10 Ij
11
I declare under penalty of perjury under the laws of the State of Califomia
12 Ii that the fore:going is true and correct.
13
14 Exe:::.uted on November 6, 2006 at San Rafael, California.
->.
15
J6
17
Maria McLaurin
18
J9
20
21
22
23
24
25
26
27
28
-1- . I
W01.WP.S1~lMM1:.I~1fIlS:.!
DECrjRATI6]'{OFM,.~.R1A MCLAL'RIN .1.
~
447 / 745
Court File: "Volume IV Continued" \ i/.
I
/
'1
11/0612006 12: 56 FlU 21:11>30' {:'OOl
--
ATTORNEYS AT LAW
48th Flocr I 333 South Hcpe Sm.et I
21a.Q20·HBD otrlC" I Z13-020-1398 fax
FACSIMILE COVER SHEET

LDS
I
AA9"1<=3.
www~he;Jp.rrimu/[jn.evm
e.. . 9OG71·1446
U TIffS FACSIMJEE TRANSMISSION WIU NOTBE lvWLED "'*
Date: November 6, 2006 File Number: 0100-092162
Total number of pages;

(includmg I-page C0ver Sheet)
D If all pag~ are Dot received, please call
David Zaslofi' at 213-620-1780, Ext. 4507
TOt Facsimile No. Telephone No.

Maria }..lcLaurin (877) &12-5397
From: ' Moe K.eshavarzi

Re: Samaan Y. Zemik
MESSAGE: lfyou have any questions, please call me.

.,~
0631007025 3;;>T-l MMKJI,4001l'l (ri4.1

3Sl
448 / 745
Court File: "Volume IV Continued" , . /-- -/ .
.' \ ./ (
Samaan v Zernik (SC087400) Los Angeles Superior Court , I
11/061200& 12:56 FAl 21JSJU QJ 002
~r::i.= • II Mholfll<llla Lendar ~
COUrfTllYW!OE HOME: I-O,A.I<3., INC. ~rCRAEL JA.'iES o'm:ruy eM\. 'i'~U'IC

~.
HeR"l'GAG!: <:-orrsc;r.:runs
"et"a"",l1. ,: 0000933 S<nJu< ConIoc!; .:.V1.:.\..:;;.-'I.:.o:::.l\:.;....;I':..:AAJC=.:.::s~ ~~
'7Stl L.J:llD~O S"IiU>1'1'l ~l': 110
ShN R1\El'.&L, CA 94~Dl _I'll""•.
Ph01\~; (HSl251~270l'
Pox' __ "
It you htIvu qUQllfione about lhl4lattGr, p / _ conbod U~ "10 tl>.. pncn~ nW\ll:>~r ~ov.,.
·!.oM nw<b.. " 81731315 hae M('fl r.v;'g",..o at; the f"~lo"inO" lORrn>.9 foc IlttVI£. ~N<NIN:
t.-n ~--.... ..c. IS/"J. ;r..:r:EQl. Ai>K J:ntarertOnly ~T)Il><l: O'lll'Ial. o.."CU?I ~D
~nT)'pI&; RZ.Ov<;£rl
"""""" i7PO; "'1,1J'i:I'~!: AIol<a-: N/"
"'-11 ......... ~:#0" ~ .r~CI\ ~ ~S<uno' 123
BtlITllR:.Y 1l::-L1..'> , C'.A
wei<; I:xpiratlon
90212-3715
Da"tc:
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UIIn~ ~\i_ IIWo~p,<ao L1VICI.'tv
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1,374,400.00 O. 00. 80.00 I 90.00
-
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10. SOO 5.500 C.COO O.OCO
. T-"J ,............nt1'.""'V!.
2 . till I~o 1!60 No, No. of noS •. ° ____

..
1'l\la loan bas been SlTSPDlD£O ",,\';.1 t~ ;;oa",,;.n\T k"o"",,"t;i,.<>n i."'Pt:<>"V~, We ",,,.. to rec:el,ve
r.his infDrmatic" by 10/2$/2004, ::t _ do not ,,,,,,,t,,,,
.t Py ;.h;o,. din... _ muot <:1.0"" the £;'1",
for incomp~w~~ne:o~ w~~ we ~eceive ~~c lnCo~atiO~r vc ~il1 ~~e. ~h~ rl~e ~ar !UI~ner
....t<Ulrination.
eoflClition c.ond..1Uon. De:lcJ'~Qt.
t'z~cl..... t:* t.6- """,,,H>t""-

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.
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vill oo~ art M 4. ClubctLtU'to
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tho.. type of b4.iP4."
(~~o ~ Or. :z 10/~6jzo04 .~:H;5i)

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I!IIIII
• to , •. J \ • IJlll.J.Jm
0631007026.3
de2
449 / 745
Court File: "Volume IV Continued" , .;
Samaan v Zernik (SC087400) Los Angeles Superior Court ~ •...,. IV j//
11/06/2006 12: 56 FAX 21.>8.>0: l4Jao3
'~
''-/
""""t: 611373 1 5 Ilom>oo-'._' SM'\.lJi. RIVIE
w~ ..... u.3o M 4.bl~ ~o tund. your 10lnl .'hi!r. t.b*" £.ollovi~ aQt1d..1;)..cm.'!l IJ~. Ine~ (l:.he~ ,l~~1 tdl..l Neo Cl,P'PCc..
on ~O'Ur c.1Q::blq 1.ocat:.ruc::t:t.('MS) t
CQ~1~~~n condit1~ QQaa/~~

-~--,---------------
AP?AAISU-IIC=tA9'...Jl Cl!J./Ilh'W J.J>PrU.lc.o.r. (KIN VI'.L"":-_'
~~ 00-::' (UD~ by 12(2 providq .1 Q.':i'9"t'Dy .xt 4'= ;. ~trQQr:..
7 .u>P"USAL-lU'~tlAI>t;l< ~ ttc;.nll. r;tlWlI:llT LtC1>l'n:
?rOV'da ~l.o ~- ~ddi~lon.l ¥~~.of ~~Q~ phot~~
II BP.OMll. =U"tUU/)l:\ TIlA1 hLI. C~1:l:s JU<l! = ,,1It> ~
RJ":r~ copy or r,;~ MOR%WIlaz POo;
...
Con~uQ.O~ cll:nc ... i.-;;.A ~ .at S171100 .t. p:rov.t.d..c J')ot.e;
lO Iw..ttre-C:~/S1=lOOJi 4!.D~ I 95--01

1.: cou.= s-t.oa apprb.1:s<iLl fio)tt rtVi:it- tC'e f1:o,", brVr :! n CPtJt:lx~
ThAn1< yo" tax ruRnitti.l"l your 10."" lOb C<>un~..,...ld~, ~t,.a '0: Wtw>lHA.l.c ~:;! II. "1n""r<Ll.y·"f'(u'<"oc.i.....
your bU'llnoa!J.
llINIl: Ji'lU,t= tQ/un004

-----_.
t)nd8~i.~r ""~e
nr.Q.O.cU l'\QQ~1:: O.te
l>v'? /ltV>' / Jl,SH ' ;Diil~~
th.. toU01I1.nq condlcio~ h.-v.. boC:~ g.:l..t..1.:Itied AI\<! 4:1%"w :.:ho"'h. h_1;;A Un: ·to1'o~ onl),:
Co":l.l.~to,, r..~/c-....~
-:---,-~,-...-',
BQiUlOIIlIT-it MU TrW &XP LAWi'ttOM iC&GNW neG _ _
.a.ecept.ab..l't" -nqJ),f1n_t1Qb \llaY bu.-.tnoall j,q (11 reVe:r-,:«:- $.t: oP. ~., So
JU.tX"ed. ~ ~ .....
'flo'CJ..~y ~iOk or. drpol'llt '1111 ~~c.cow _, .4f.O~<t'. "lr"oIU"1..t1..d'
rro:;rvlde 03· Pu • .Lo~tJo Lit?rn:lC' ox, ~r,. It't.t:.~r "..r1.:t"Ytng ::11 ..d 'U3t to
yn, 104"'0 ~ '~e+! Cinf~ e.ame lQ"""'t10b
Ill' bll ....."'.. "n"-4DPIl'~O tar 7/U ..hh> ill~ &"-,:;111."100
Ac:.e~tAhl~ voo., CQ'V_.tihf 'PfC!.fk:~· ........:L.cha~CAI!t. ..-eq. d f'o. ::lrl4
~P"9ll '1 at ''i J:o)2,i2llO-1 ia'~141A~1

.~~lETlat.WlO • •
~f""""1 '.'
OSS10~70213
og~
450 / 745 A ' /

Court File: "Volume IV Continued" /\ " ~,..'

]
~ Countrywide'"]
750 Undaro
Suite 110
San Rafael. CA 94901
AMERIC~.S WHOLESALE LENDER.'
Fax
To: f!1 0 e r< eshttVt1Vz../· From: Maria Mclaurin, Brcmcll Manager
Fax: (;)/3) &)-O-f3q~, Time:
PhoM: Date: IlL&./lip

Re: ;; ct D1 o..a.y) Fax From: (415) 259-0865
Pages: y Phone: (415) 257-2703
o Urgent o For Review o Please COnmlent 0 Please Reply
• Comments:
), /, tfcJ3 ~ ,q/O
Confidentiality Notice: The information contained in and transmitted with this communication is strictly
confidential. isintended only for the use of the ifltended recipien~ and is the property of Countrywide
, Firlaocial Corporation or its affdiates,'and subSio'ianes. If you are not'the intended redpien~ you are
hereby notified that al1Y use of the information contained in or transmitted with the communication or
dissemlna~n. distribution, or copying of fhiscommunication Is strictly prohibited by law. If you have
received this communication in error, ple~se immediately notify the sender by email or telephone and
delete the original message or arty copy of ~In your possession.. Thank You.
~15
451 / 745
Samaan v Zernik (SC087400) Los Angeles Superior Court lv
r~,C ",A.rid
~ OUn"I.JVVI e'~
AMERICA'S WHOLESALE LENDER
S ..... N RAF."EL CCRf'ORAT'O CE:--JTER
75C LtNDARO STRE=T. SUITE 1 to

SA>J RAFAEL. CALIFOR~JlA 94901
(415) 257-2700
(415) 259-0866 FAX
November 6, 2006
"
Victor Parks
Re: Nivie Samaan

Loan Number 81737375
Property address; 320 S Peck Dr
Beverly Hills, CA 90212
Mr. Parks,
This is to confiml that Countrywide Home Loans processed the above referenced
mortgage application on or around October 14,2004. The loan was Suspended pending
receipt of a copy of the fully executed purchase agreement. Attached is a copy of the
letter issued by Countrywide Bome LOans.
Thank You,
j1~/Jfv)?~
Maria McLaurin
Branch,Manager
31(P
452 / 745
-,.
' " {'
Iv ,/ (I,
,
~rica'. Wholosal& Lendar
COUNTTlYWtDE HOllE LOANS, INC. HrCI~ ,J!'J1Uj O'REILU Dil/\, i'lI,nne

£1<00'0<";
MOR~ CCNSOLTANTS
Elral\clt I: 0000933 Iltoloo<e.,.""et _V::-IC.:.T::-O.:.R:.:...,.:?c:,1<:AA.=..:;:;:S'- _

750 Mt'OMO S'!t'3<:1 ST~ 110
SI\N RM"" IIEL, e,", 9.9 a 1 !In>lIor

Phone: 1415\257-2101
Fax' Brnlu< Fa> tr.
II yOU havo queatlons about lhllllOUCOf, plllQll9 c;onb>ct U!I At th4 phone nultlb,,~ abo"'"
Loan nunio"r B113737~ ha. been ro:"ievecl at the tol1owinq tecru for IlI"n: SAH>-;\.r<,
LOA" ~.,.: Ie 5/1 :.IU JJl)( :l:oter".tOnlJ ~iypo: OWNER OCCt.H'I EO
bocumoon"""'" T",., RWOCl;O
Pona..."" 1,...: PURClil\!l [; Rfoio:G...., N/',
P..,.,.r1y ""*kou 320 S 1'~C:K OR e-.dl s.x.-.: 723
BEVl>ctLY HIl.1S, c....

Lock txplrat ion
90212-3715
oAte:
-'-'1>'1)1>0' SI:R
u.n p'~. f"ir:'tt
t--.~ IIPfnIMd " .... SMIPT1a1

L1V/Cl..1V
1.374,400.00 C.OO 1.718,000.00 80,00 I 90.00
ClJdfyhQ !\>do 9~ R.oI. "--'" PI. O\ocl"tl<
10 .500 ~,SQO 0.000 0.000

~. ~ '1'0"" ""'P"l"'-'1 P.-My 1
2.461 Z.z:;O 360 NO, No. of!'lO.. 0
-
~eo SU~~EO until ~h~ following infc'~tion ia pra~ded. ~Q must receiwe
this loBn ha3

~i6 i~fo~tion hy 10/2~/200~. t f we do ~o~ r.caivc it by that data, ~ m~t clo.e the £11e
for inco~pl~t~n~3~~ When we r~ceiv~ rhe Lnform~tion, ve will re~ew the [tL~ tor £ur~hec
deter~in3tion.
_ _ _ _ _ _ _Co~~fon
Condttton _ _ _ _ _ _~c!Co~on~.
_ _ _ _ _ _ _ _ _ .tro..-. ..:- ... ... _ _ ... _'__:._
]
~_:.._ ~_
CO-S:}) APF(JV..l, r_q·d tor 't.h.1_ "OhAnoed .pl'lM)'%.... tI}' • ,.,., added [,,0
r~ &0 olny oondlt.\ons; 'p.rovi~ .. C'0"1'p1..t:_ CI:lpy patka-g'o al.OQ9" ".1t.ti.
all CQndicl~2 In trlptlC4t~
Pr.1c:lnQ: to 1:. corr'eet~ to show ,",$\ Add [.0 te-.e ~or ~hlll 'C'nh.pO'e'd.
~ x<:;: cpt.lA;lr. P~9'~4*
). Provi.d« f;om:p.lete exec::~ed l'ureh.e~. eom:.--z:&c:t. ..f':.rtnor i.n.t.:ru~10flS

wi~l not .~~ as 6 ~ub~t~tu~~
Cloe.lhq d(1CW1l..nt$ will b4 .ro;.d....... v.ail.a.ble ... hcll. th~ tOllo"in~ oot\d1tiono AXe: in~t.:

Cot'd.it iD... C<;)ncUt.tat1 o .... <:ICOfI'CrH-t'lc·'
, -'!'eIl.USAL-"~ rIGLP ro:vUX 12'll SO?l'OI!.T $_'_ _ 1
.n. ,n;llaO P~Oq"'" quM.'I1.... 8t eau' to brvr, ..ill OrMT After
eoTP 6ppt~~51 {ord.r.d %dr~~/041
s CORRECrAO/SIG~ IOOl CAT LOCK-IN-RAt£l
,ho. tYP<l of bu.h•••
(1''''ge 1 of 2 10J26/200~ lG:4LSIJ
• lINOC!Il'lRlTN:l =~ LETTER. v.w
2E281-ull (QSO)<!ld!
1111111
·'~~.'1·
11111111181011110
• q e , r.1 T" 1 e tl'O 0 0 0 Z,E 2 e., "
311
453 / 745
.
, /
to'
Court File: "Volume IV Continued" , \ , . "
Samaan v Zernik (SC087400) Los Angeles Superior Court f '~
\.oQr t: 8113137:; 8omJ_. Nomo< SlI.'t'.Nl, NrvlE
I
~
H
l.1& "'111 b"'! able to lund )'Q\J:' l(),;lf" """hen t.n.t !ollo'lt'1(l9 cond.:.tion3 arf: ~t (thc:l'lll: H.:.eltl.! wl11 al.,o "~li::ax
Q('t your c:l~in9' in-e.l.-uet.ior.e):
Ccnd1tJ.on condit tQn DeGo/CQaCl1l:l\~~
AFPRAlS".L-1Icct::Pt1.8LE on..INEW APVl~It).L jHIN "AJ,..-~_)
if not tundod ~y 12/1 p4o,ide « driTe~r ~Mt b~ 6 rtG~rt
M'P l<AIK !J.-"'l'pr:u.z SE:R TO ~llOV r DE ClJlU'£ln' LI=C
F~avide 41~o an ~ddi~1on&1 s.t of ~~l~ pnotos
BP1)/(£R CEJtTrl"ICATtOIt TRU ALL ':O?I£S AIlE T?U£ ,lim c o : t =
fU;LOC - C6l'T ~ rnu:r HOPIO"(;£ lIOn
COr'iC'Urr~nt elote with ~nd It S111800 " provide not~
10 rXCOME-CllMPI,!:TI/SIGMElJ rOI»{ (5Q( ( 95-01
11 Collect S400 c;ppra.1!rAl t:1o@old r.View f « f')'"0Il'\ brvr tn 4>SCXOV
1
ThAnk yau fox ,ubmjttioq you~ loan ~o coun~~io~, ~=iCO'5 "hOl~&ale Lender~ W~ slnc.r.ly appr.ci~t_
your bo!'in~g!i.
DIANE fRAZUR 10/1412004

B
OndoeIW'xlt.r Date"
ar.nch t1.dl1.og4!'t D.~~

/
DVP IRVP 1 RSI1 D.tc
The toUo"'1.n9 cooo~t.10n~ hbV~ boeetl bat1.s;t:1ed and AIM 1hOW'tl n.ro for refel'~C'e only: r
n...~c/C~t:l'
COC1ditiQII
--- - -~~-------------
80~.ft IlIRl~ f"~I.ANATIOK

... _---------------~----~-_
REGARDING _
.. .-- .... --------'-------

"ceep'C.-.I'!Ilbl~ 04!'xplAnct.ioQ Vfly· bU~ 1 " •• 11 in I I 1 :re~,:["~'C 1.2 0(1 1~2"7 So
h.J,!.r;-eQt t...J\.
verify $l.o:'~ 0(\ ~pO.Lt ~I e:)C:row III 5Q\Jrelf vcer;t!te-d
provide OJ' bU~lD~S~ lic~~~~ Q~ ,CPA l~t.r vgrL~y~nq (1l~d la~t 2
yr3 1D40'0 A3 ~~lf ~~pLor.d .~ lo~t~on .
__ bk nOlt. f6Bl-409B38U !or 7/1~< t:kru 6/12 4~ ::1801e
AcceF~b~O ~ ocv~t1nq p~c~.~~ r •• i~nc.. ~~q·d ~Qr 2nd
(P~9~ Z ot 2 10/25/200110:4(:52)
• ~RlT'»:;OE~LErlEl Wl!l
~,.".u.:/')G.'<>oC1
454 / 745
Samaan v Zernik (SC087400) Los Angeles Superior Court L:.".. ;\ /'(
j
j
j
j
j
455 / 745
Samaan v Zernik (SC087400) Los Angeles Superior Court j
3) Could this letter possibly be transmitted to a Loan Applicant and/or her Loan Broker in its
current form on or about October 14 or on or about October 15 2004? Or for that matter - on
or about any day prior to October 26, 2004?
4) Was this letter issued by Diane Frazier, as represented?
5) Isn't the person issuing such a letter required to hand-sign such a letter following
Countrywide's own manualfor faxing Underwriting Letters?
6) Did Diane Frazier hold true Authority for underwriting Samaan's loan on October 26, 2004?
7) Did Maria McLaurin hold true Authority for underwriting this Samaan's loan on October 26,
2004?
I wish all of us a true celebration of Justice on July 28, 2007.
Joseph Zemik
* Countrywide here denotes CFC, Inc. and/or any and all of its subsidiaries and affiliates
cc:
Rabbi Jonathan Bernhard
The Honorable R William Schoettler
Rabbi Joseph Shusterman
Others in the legal and Jewish community in Los Angeles.
Attached:
Attachment A : Beth Tzedek Web Pages with President Samuels pronouncements

Attachment B : Samaan's Adulterated Loan Application (l003), and listing offraudulent data
presented in it.
Attachment C : Regulation B violations in Samaan's loan file
Attachment D : Parks Hand signatures
Attachment E : Wire Fraud - Elements and Evidencc- Email notes of Michael Libow, Zernik's
Realtor on October 18-19, 2004
Attachment F : List of anonymous fax communications found in Samaan's loan file and and an
unsigned Broker Document Certification .
Attachment G : CV of Joshua Mailman
Attachment H : Clues Report for invalid Loan Application (1003)
Attachment 1 : Underwriting Decision/Condition Letter 10/14/04
Attachment J : McLaurin's fraudulent Exception Request (10/25/04) and Gadi's Exception
Request "Approval" (10/29/04)
Attachment K : Procurement of Perjury: McLaurin, Lloyd, Keshavarzi, and the newly found
Underwriting Letter
456 / 745 I !. '<"

Court File: "Volume IV Continued" ;~~: {
Samaan v Zernik (SC087400) Los Angeles Superior Court '"
Todd To
BoockJAltorney/Legal/CF/CCI
ce
07/051200707:32 AM
bec
Subject Fw PLEASE ASK SANDOR SAMUELS TO S fOP REAL
ESTATE FRAUD
----- Original Message ----

From: JOSEPH ZERNIK [jz 12345@earthlink.net]
Sent: 07/04/2007 07:20 PM MST
To: jzI234@earthlink.net
,Cc: sandor_samuels@countrywide.com
Subject: PLEASE ASK SANDOR SAMUELS TO STOP REAL ESTATE rRAUD
COUNTRYWIDE* (NYSE:CFC) SUB-PRIME LEADER SEEKS PROTECTIVE ORDER

AGAINST DR JOSEPH ZERNIK
Countrywide's Mozilo and Samuels Complicit in Real Estate Fraud
Beverly lIills, July 4 In Samaan v Zernik , heading for trial, an invalid Countrywide document,
dated October 26, 2004, was declared as dated October 14,2004 -- deceiving the court and
committing fraud against Dr Zernik. The fraud was committed by collusion ofNivie Samaan
and Maria McLaurin, Countrywide Branch Manager. In 2004 McLaurin and Samaan also
colluded in Mortgage Fraud attempt and in Wire Fraud. Based on data for 2004, as estimated by
Diane Frazier, former Senior Underwriter, McLaurin also probably personally approved about
$0.5 billion per year (!) in grossly fraudulent government-backed loans.
Angelo Mozilo is Internal Audit Committee Chair, and Sandor Samuels is Chief Legal
Officer at Countrywide. Samuels also served in public positions in Ziegler School for
Rabbinical Studies, and in Adat Ari EI, and is now President at Bet Tzedck (free legal services),
where he prominently called for Justice and real estate fraud prevention. Upcoming Beth
Tzedek Justice Ball, July 28,2007 raises funds to provide "equaljuslicefor all It.
In recent days, Dr Zemik approached three community dignitaries - R Jonathan Bernhard of

Adat Ari EI, Hon RW Schoettler, and R Joseph Shusterman of Chabad in appealing to Mr
Samuels and Mr Mozilo to stop real estate fraud in Samaan v Zernik. Both Countrywide officers
declined to take action, and Countrywide announced it will seek protective order against Dr
Zernik in Santa Monica Court, Friday, July 6, 2007, 9:00am. Unusually broad protective order
for a public figure like Samuels violates the Freedom of Speech.
*Couotrywidc here denotes Countrywide FlOaocl3l Institution and all its subsIdiaries and affiliates
For additional illformation regarding this action contact:

Joseph Zemik, DMD,PhD
Tel: 310 435 9107
Fax: 801 9980917
Email: jzI2345@earthlink.net
.I
457 / 745 f
Court File: "Volume IV Continued" !

{ /
ON3
458 / 745
"Jae Arre 'J.R.' Lloyd"
~
To "Maria McLaurin· <Maria_McJaurin@Countrywide.com>
<jrlloyd@Sbeglobal.net>
~
cc
11/03/;JOG6 03:21 PM
bee
Subject Sa'ri1a'';M Suspense from Countrywide
Hl Mal i~..
Here is tr:e :311Spe-'Se lss:..led by ~our.tr'lwide. Age:in, we just need a sLa::~m"!Lt cr

gu.:.oeline showi'lg :nat :he E\llly F:xecuted Purchase Agreement IS req-Jired ';:;y
Count!"yw:.dp (ot:" 'i:"lE.l I,oa:" Approval,
Thank you.
J.R. Lloyd ~or V~ctor ?arks

310.2:5.5353
~
N1acred1.PDF
,\
beeN
459 / 745
Court File: "Volume IV Continued" "

F ;1)\1 ~'j[) vCT (~ '!CO, 1) SUS' 1 1'0 6~2"PC665
America'. Mho~eBalo LenOar
COUI'fTRYWIOf.' HOME LOANS. INC. HlcnAEu JAHLS O'RErLL~ ~eA PAClfrc

e,.,...,
MORTGA~t CONsoLTM:rS
Branch f ' 0000933 Bo...... Co<11acl' VIcrOR ?l\Rl';:;_ _~ .~ _

7JO L:~~' S!~~! S!E 110
S1J~ R/lFML, CA "4901 ~f't1oo.
Fhone; (4151257-2iOl
Fex-~ ~Fu-:
If yOu MVO q<J<ndons aboutltll$ '-tl..-, pl<M.... contact u! a:; the pllone number above.
Loan ou~r 81731315 ha~ bean re?i~v~ ~~ the £o~lowing ~9~& for NlV:E S~~N;
l_ ~,.m· Nc 5/1 I.I:811. A.JD( J:nt.r•• tOnly ~Typo: 09llfeR OCCUPIeO

_Tl'04' RWUC;;O
~T",. PURCHJ\S~
Property Mn..:320 5 pf;cr; DR
-~: N/1I
Coodl SooTo: 723
ilt:IIERJ.), H~LLS, CA
1.0<;«' ~pirdt ion
. - -.- - -a
9C212 -),15
Dd:.e:
F'rooerty yype' 5 tR
u..'I~1tion.. fl,£~t
~
loonAmounl
1,314,400.00
0uU IIytng RaW
,--_V.I""
0.00
SboI1I\ol\o
._
S-UPrIOo
1.11Q,OOO.oo
Robo.to "'"
llVUT'i
60.00 /
O\se PIs
90.CO ,
1,).LSO~ ~.:lOO. a.aon 0.000

...... ~ T_ f'<epayinool-'"
[:.161 2.ZilO 3!O tiO, 110. or !'IO!. 0
Thl~ ~oan ha~

be@n SUSP~o£O u~~~l che Col lowing infc~~tlon ia providod. ~. ~oa~ ~ecaive
thi. ~nform~tion by 10/2~/2004. • f -e do not ceccivc it by th~t date, we ~~t clo3~ th~ file
for i-nO(JCJIpleten<!t• .o. Whf!.1'1 we: reco::-:"·e the ·in..forftl.b.ti.on, we "ili review t.he file !or Eurtller
d~terJ:li!)3c.i.on.
Cond.it.ion Conc:lltlon De:!c./ca~ntc
Corp -ppro.".l teq~d (or ~1\.1.,. ..n!:J,arolc~· program ,,/ . "IS, .. d.doo=<t ~o
'8'$ ,"'f1y cot14:1t;.~Oh:J, provide a 'ac:Kr!pl ..tc- copy p.bck.a~ a-lOpoq u1.t.h.
all cQOd..1 .. 1orUJ 1.n C,.t'J.pUc.tl!
Z- Prit:.in, to ~ cot[t'=Cted t.Q 5h~ . "'(and "tQ !~, tQS tbl'» ..rih.need
aJCcltpt.t.on pt"OqXM
). l'rov).1V- ~l.tc .. ~~u~cd ptJr,::has. o;'t\trAat .. •• Cl:~ :a.o.t..ruet1.0n,
vi 11 oOot ~t:. . . . . . . Iol-bJl'1:; "'ttol~Q

CIC5V1g docu~nt:.- will bG! JnA.M Ava.1.1.u1c: when t'n.· f9UOV1ng coD<11,t.J.~M .r• .etl
C::oO<':lit.1nn
-~ C6t\tUti"'" O •• e/e~nt... r _
APPAA:I$Ar,-Jl¢:f,pT...ar.I: tULl) =U', \'to &-""1\1 '~~
$1, 1la. QOO' ~roqraJll ;uiael1l>....t "on to b"';;', "~1l or<!.. ".ft.r
M"" Appt~.l (ordP"..d 101'-5/041
::; =UU:=fSIGNl:P 1003 tAr LOCK-LlI-ltA1:J:l
./10"
tYJ>! of busi"""
(Pa.qe 1 ot 2 10/2612004 ~O,44:S1)

• UtO:RWR11lNG OEC~lcnE"· VI\.D
lf2'Ol1~l~
III~III
"23"1"
1I
.I '.
I I
I
!.
3~5
460 / 745 I i
Court File: "Volume IV Continued" ..;'
Samaan v Zernik (SC087400) Los Angeles Superior Court --'
; u :;~ nIJl;'('C 26 2,~C( 'C :s~, :3;':10,5334310566 ?
'llll<'''' 81137315 ~r'J s.,.".: SA..~, HI'!!£.
~ W'l.l.~ b-e able 'to 1u:1c ycnH: loan ""-heo tl\.t !"'Jllo'olfinq =ondJ,.t1.on~ dr. CIll"':t ('t.hOll'e.e 'i~~.'3 ",ill 08:'''0 4p~(H
«'I. your clodnq in8c.ruc:tiQ~8):
t:ond1't.1o1\ CoD'd.!t:.ioT" D<C!'OIo/Colftt\~nt.~
E; kPk'\l>..1.SA1--ACC.&ri:ABU. CHL/NE:W UMUtl~..1I (MIN VAL-C_,
.i.t not tUnQod by :2!'J prv-vide .. dr1veby ~)(~ ,a~ Q r.c:ert
., ~[lI?AA::::SAL-~QRA.ISE.f:. "tc Pt\CYJIO£ ~ LtCLtlSOC
Pru"d_d. :,)..,0 .. 0 tldd1tJ.Ol'\&1 .!J,t>t of colot; p~~o:r
.Q QP.OU~ C"£R'T'[f'ICArl0R Tft~J; ALL COPtr..s io1\£ T::wE. 1I.NO ~R£Cj
'9 f.:'-ELO~ - c..op.Y DF' I"1P"SI' HOR"tO-.C:' t«>TE
Concu.rrent:. clo .... vith 2nd at '111100 " pl'o:.ride no't.e
10 l>lCCo<l>-CO"i{'[,e:rLrS1GNED rOB!< 4506 / 95-01
11 col1~ S400 appr<3issl 'fl~ld review tee t'r~1I. t:rl"'\Jr 11'\ 4!'tilCl'OW
Th&nk you tox '\1mit.t.i.nq YQur lodtL to Count.rywi.de-,. Noel"lca 15 "holeul.e Lt:n<k:tt 'If~ !ltfl.CII!~(:;ly Appr£cilttfl'
your bu::"' ;Loe,:r.
DIAHE FRAHER lorl'IZ004
Uud,:,:%wr1t.r Db.te
Branch HM\I'IQ.~ 04te
D'TP/'P\..""p/R$J:1: Oat~
Th~ 'follow1ng cond1l.':!onQ h.V4 boO.1\ ",.t.i.eiad. (I..fid, a.re ct\O'R1\ b.ero .lor reference only:
CondittQt\ ~ ..cIC~ntc.
5~f,)trf£.R JI?XUEN EJeP.I,.AJ.;Al'lOff R£GA.RDnrc _
AeC1tpt.abl. f!'xt!'l8.nJlt'.ioto wny OU~1-ne • •1<\ 411 r~ve-r);e J.5 01'\ 1221 .so
A).(r~~ ~.J\.' ,
V""-:!£y $';\Ok;, on <'epo,1t; ~I e:JcroW wI .oore. YQr1.ri ..d
~1'C'V1de 0'" bu:t(t\.s$ ~lc'C.ll~c or erA l.et.ter V"erttylttq .til~ ldl!lt.. 2
yr:s l040 t • "'oS ;s~lf ~«tplo:r.-d ~ ~00C4t:.J.'X:l
WI" bk >t",~ f6U-409e)e~ for "12 th.ru Bill at uaOi<.
hc<ept.e.bJ.<3' voa. cov~rlnq t>1:etll!;ttt. r •• ide:llc:e, ~'<:t tor 2n~
(PBQQ 2 ot 2 l0/26f20~1 lO:Q4,52)

• lJ"<OClMlm1'tC OE~ lEITER· Wtb
=,-tJStv"1>')
461 / 745
(
I) /
"Moe Keshavarzi"
(~
To maria_mclaurin@countrywide.com
<MKeshavarzi@sheppardmu!l
till in.com>
111061200G 03:22 PM
cc
bee
Subject S-arTiian letter
Mana,
Attached please find the declaration and letter. I would really appreciate your help, as we are only asking
for tile document to be authenticateo If you have any questions please let me know. If it is acceptable to
you please sign and fax it to 213-443-2910. Thanks again.
«DOC. PDF»
Moe Keshavarzi, Esq.
Sheppard Mullin Richter & Hdmpton, LLP
Direct Line: 213--617-5544
Fax 213-443-2910
Email: mkeshavarzi@sheppardmuHin.com
'This message is uent by a law firm and may contain infoL"Tnation that l.s
priV"ileged or confidential. 15 you received thilO/transmi.ssion in errOr. please
notify the s~nder by reply e-mail and delete the message and any attac~~en~s.
Sheppard, Mullin, Richter & Hampton LLF
Please itii3fr8 our websit.e at WWW.shepparo.mullin.com DOC.POF

~
D19
462 / 745
Court File: "Volume IV Continued" ,...
Samaan v Zernik (SC087400) Los Angeles Superior Court '\
;,
I
I I( DECLARATION OF MARIA McLAlTRfN
) \'1
I, Maria McLaurin, state and declare as follows:
; ,I
1\
4 \i 1. r ,am the br.;l.llCh mi1nager for the San Rafael branch of Countrywide
5 \ Horne Loans, Inc.• the branch that processed Ms. Samaan's loan (1oan number 81737375).
6 I In or around October 14, 2004, Countrywide suspended Ms. Samaan's loan because
7 III Count,ywide had not yet ceee;ved a copy of the fu11 y exeeuted purch ase .groem","!.
8 I' Attached hereto as Exhibit 30 is a true and correct copy of the letter that Countrywide sent
9 !\ to Ms. Samaan's broker, Victor Parks.
10 I
11 II I. dec.lare under penalty of p~ury under the laws of the State of California
12 II that the foregomg lS hur. and correct.
13
14 Exe::.uted on Novembet 6, 2006 at San Rafael, California.
--
15
16
17
Maria McLaurin
18
19
20
21
22
23
24
25
26
I
27
I
28
I
~1-· ____ , -c-c.._--c---=-_ - _ -mn.,
~
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W02-WESr:1MMK1\4001 J 115:.!
463 / 745
11/06/2006 12:j6 FA! 21J8~O; :f1l001
-ATTORNEYS AT LAW
FACSIMILE COVER SHEET

48ltl Flocr I 333 Solrth Hcpe Street I Lcs An\lel~. CA 90071-1448
213-62O·1780offiClt I 2~3-<o"20-1398 fIJi< I www.:<lIe{JpMtfmulfifl.CQm
u TIffS FACS1MIL'F: TRANSMISSION WILL NOT BE lvWLED "'*
Date: November 6, 2006 File Number: 0100-092162
Total number of pages:

(including I-page cover Sheet)
D If all pages arc not received, please c;al1
David Zasioff at 213-620-1780, Ext. 4507
TO: Facsimile No. Telephone No.,

Maria }.1cLaurin (877) 812-5397
From: . Moe Keshavarzi

Rc: Saml1aIl v. Zernik
MESSAGE: lfwu have any questions, please call me.
NOTe: THIS ·MESM.c3E1S INTENDED ONlY fOBTt:I~ USE OF iii=: INOMOUAt. OR ENTITY. TO WHICHrT IS .... OORESSE:O, A~ CONTAIN
lNFQf&{A11ON "TWtT IS PRM~NFlDdmAt: ANO e:EfoAPT FRO/ri JIlSClOSUr<;:; unDER N'PUCAeLE LAW, IF TH!; OF THIS
MESSAGE IS NOT ruE: INTI~NO~ )'{g;1f>ICNT. OR 'l"H S E'MPLOYEE; OR A.GaIT RESPONSIBLE FOR OaM;:R\~ WE t.\£;SSAGE TO THe: fh'iE'lDEtJ
REClPlI;N'r.YOU ARE HERE8Y NOilFlEO'rHAT ~ANY orsSEMlN..<\nOl'(, OISm16unoN OR COPYIN() OF THlS'CoMMVNIc;:AiloN IS STRiCTlY
PROHI8ITEO, If' YOU HAvE RSXlVED nus COMMlJNlCA'nON IN: f;RROR; PlEASE NOnFYUS IMMEDIATELY'aY T8.EPHOrE AND R!;TURN THl'
ORIGfNAL MESSAGE TO us AT"Y}lS AllpVE AOORCSSVlA. THE; U.S POSTAL SER\I1CE. lrWJKYOU.
0631007025_ S"T:lMMKJ\.100trlfJ54.1
38l
464 / 745
Court File: "Volume IV Continued" !\. I
11/0~/20;)f, :.::: 56 FAl 213SJO [j 002
',-<-:Am8riCll. 'II MholBlQI.la LeIlCwr "-/
COUP' (l'lYWlOE HOME: 1.0....,./3. INC- roffCIlAEL JA.'lES O'l\.E:IUY ellA 'p"CIne
e.v". HOR'l'G1'.Gl: <;CIfI SCLT.uI rs
acan<:)l. ,: 0000933 e.u>MContoc:; .:V..:I.;:;C..:1::.0:..;R-=cPl\.RJ<:=~S~ ~
750 ut'OA»O 6::='1' :n"" \~O

~ R1\F1J:;t., CA 9« ~Ol """"" ,.,,"".,
Ph.o1I.; (415l2SJ-2JOl
f'ax' I>ml(M He< I:
If you heV9 qugntto"" about thliJ a.ll9t', p I _ <»ntad "" ....t tl-{l l>/lon" n=tber
/'bOV6,
'Lean nUAb~'U" 6l7373"7S l'...ae ~~ r.vi~h ... Q(j .-t ~ba fOllowinQ' tsrJ1'S .tor: rnvIE. GN'iJV\l~:
owOt O-."CWIr:O
l.-n P""7= loC .1!J/l LINt ARK I",t.8rftll'tOnly -=-T1\>O'
~nT)o'p4; ~UCE!>
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p~.....-.:#O ..s
.PJXII' Dll e.-Sa>ro' 723
an VJm:. Y ·l1:!.!.S I l""..A
Lock F.>:piratton
90212-371.5
!la,e:
P.-b''''W'. SCI'.
LMn Po.I'do'" Fs..r~t:
l-.~ N>pn<IMd I I - . llo.lo. f"\oe l.'TVI'C1.Tv .'
1,374,400.00 0.00. 1.ne,oao.00 80.00 /'90.00
Cl.1alIIf'hlJRM ebu1_ _lOp,. 0\00:. Pb'

10.500 5.500 0.000 o.oeo
l~~l
~ T..... .... ~ n I ~ .
ot:
This lO&n bas been
- 2.250
S~SPOIDeo g~t~l tha
360
£pllovini i~~o~~~on ~e ~~~tded. We ~~~t ~ee~~v~
No. No. l'Xla. 0
tl1is in.f6=ti."~ hy' 10/25/1.00'. r:- w<> do noL Leceivc it 1>1 ,;h.>l;. da~.. , _ ~ cloGe" ~he £;'~e
for inco~lve~~e~o~ When we recei~~ ~~c In£o~~tio~. vc will rcvi~w th~ ri~~ foe Lurtne~
t{ee~n:ltio.n_
CoodiUt'm c:.ottd..1tiQR tife:Jc/CO'rlaeOta

---- ---------------
CD'iCf' Joopprc"'c.l ~fd tor t..'1.1s .-nha.~ Psv9:-P'l ",1 • .", .;addcct 'Co
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ol~ CQo:d.u:..J.oc.:J i.n t:J:j.plleate
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Cl<tsUlq docUnt.fI't..::: \11..1.1 lH- ~d.-t ~iL1labJ.~ vhc:n lh.., (allovi::s.g' ~od:i-l:..1.ulHI ar«l tr'd'P
C:e~it.i.Oft c.ond:1~i~ ;&>'::fc/Co-.rt.b.u.
N.''''.lU:SAL-,,~ 6.l1>LD ~ t.g StIPPO"'" f _ _ -.J
Sir 116 .. 0aO pr6QX.-u. qu.1d4!J....o4I "e ca...~, tOo b,..,."r, '"'lll ord~~ ef't~r
. c:orp ~<L1. (omerc>l lOnS/O.)
~ l;OlUIf;=/.:i~ ~IlQ3 (Kl" =-.IN-'lATEI
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.. ~
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' - - ' f; 817]7175 ~J"""'" SM.....J f, "LVI>:
Wt!' ,...1)..1 ,..... .o...ble ~o fund.. your 10lln w'hen t.be- [611~09 aOt1d.1:;J.on~ a,.... h!ot. (t..r.c:ro::: .tC~1 M.1.lL alll$() 1II,'PPec.:('
un ~'O'Ur c::lo::.Lnq 11:llltxvd:i.eOrl) I
CQrdi~1~n condttl~, OQaQ/~~
hJ?PAAX9 ~-l\C='L\B'"~ ClrI../""'W >.D""-\l ChI. (KIN VIU--~_)
~f """ (un ...." by lU~ ,,,;'wAd• • dci?<:C)' oi<l; 4:1 .. XQOlItt
7 ""p,~~s=-"-I'"""rot;l; TO P!Io'nl>1O ~ LrC'll:"~"
?~-.ov£d4 at .. o oOlIl ~tf.di~10(\ ..1 .t.O't:..of ~l.Qr pho~o~
e ,"COXC!\ ="U'~e.A.nOlll '1'lf1.l' hll c:o:U.. ARll: ~lJ'F. ...- OONlLC'r

B~...LOC - COP'T OF' f"IQ,."."'7' MCRrCIl-a£ NOn;.
co:mcunout ul.a ..= ""~.R Z'nd. .at ;l?ll()O .t ~J.ct~ t'l-Ote
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].:.. coU.ec ~'Oc ~bJ."4.1. ti.'lCf. ~C:V1.~ f~ fro," bc-olr .1.n coa,X'ow
~n'k. you. f(;J:t .i.\tm:Lttif\g' your IlJaA ~o Cf1Urlt.zyw!.de, ~eX'ie.a '. Wb.olela.\e ~ndr:%! ,... !!1nee.r.J.y ·~~oc.i..t.1':
your b'lHion.s.
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• tJI«1'l\o\I/l'TKi ~ lEna'. VoUl
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.
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466 / 745 ! 1
Court File: "Volume IV Continued" , I
!f
"
r; . l
~ Countrywlde®!
750 Lindaro
Suite 110
San Rafael, CP, 94901
AMERICA'S WHOLESALE LENDER.]
Fax
To: f/loe Ke }httva.v-z-t' From: Maria McLaurin, Branch Manager
Fax: (J/3) &;'-0 - f3q~, Time:
Phone: Date: I' /(e / c:ip~ _

Re: 5: G( 01 Ct <:Z-VJ fax From:
Pages: L-/ Phone: (415) 257-2703
o Urgent o For Review o Please Comment [1 Please Reply
• Comments:
L/;L/3 ~ ,q/O
)1'
Confidentiality Notice: The information contained in and transmitted with this communication is strictJy
confidenlial, is intended only for the lise of the Intended recipient. ano is the property of Countrywide
Financial Corporation or. its affiliates and subsj(fl3ries. If yO() are not the intended redpient you are
hereby notified that any use of the information contarned in or transmitted wiU. the communication or
dissemination, distribution, or copying oHhis communication is strictly prohibited by law. If you have
receiVed this communication in error; pfease immediately notify the sender by emaJl or telephone 'and
delete the original message or any copy of it In your possession. Thank You,
~15
467 / 745
Court File: "Volume IV Continued" I '/
. (
~I .... A.,jd
~COUnl.',Jvvl e~
A.MERICA'S WHOLI::SALE LENDER
SAN RAF."'El. CORPORAT;; CE""TER

750 LINDAftO SrRE~T, S'J1TE IIC
SAN RAFAEL. CALIFO?~JIA 94901
(4 L5) 257·2"100
(415) Z59-0866 FAX
November 6,2006
,,
Victor Parks
Re: Nivie Samaan

Loan Number 81737375
Property address: 320 S Peck Dr
Mr. P<Jrks,
This is to confirm that Countrywide Home Loans processed the above referenced
mortgage application on OJ arotlnd October 14,2004. The loan was SUspended pending
receipt of a copy of the fully executed purchase agreement. Attached is a copy of the
letter issued by Countrywide Home Loans.
TIlank You,
!1~;1fv)f~
Maria McLaurin
Branch Manager
31tp
468 / 745
) )
1l.m9ri= ' . ll1lo1as.'l.le Lendar
COUnTRYWIDE flOME LOANS, INC. t1IcrlA~ JJ.HE5 0' R1:ILLY OBl\ ?A.CIflC
e..,'o<:
HORTGAG~ CONSULTANTS
!lz;ancll " 00009n !\<o..",·..,.""et .;;.V,;.r::.CT::cO::.;l<~P:.:J>J'J<=:.S _

750 LINO~O SrP~~~ 5TZ 110
5J\N RAJ"AE;L, CII 9 .901 ~r Pr\<>r.,
Phone, (~lSI257-2701
1",,1:1:: 8ro~ Fu ~
1/ y(XI hlllIO qUQlIIlons about thIs "'1101, pllld84H;ont3Ct U!I at tho phone nu!<\b<) . . .bove.
Lo~n nu~er 91737375 ha, ~on ~<vie~e~ at che tollo~ing ter~ for NIVT~ S~N:
l",," _.,.""" He S/1 .. r» JllU( Ict"r".tOnlr O=Jf'Il'C'IT'I'P"' OWNI':P. OCCUPIED

Do.,.",.,;rlIon Tr.'" ' R£OOCr::O
/'lna"ao T,.,., PUR.C!iASE; Rl.. C";': "11'.
Pmpoor1l ~ .. J2Q S i'~K DR e--Sar.· 723
8EV&<U.Y HrLLS, 0
Lo<,;\o;. t.x.pirat ion
90212-3715
O.~e:
_It< T",.: Sf"R
L!«'l PlAM.o.n· J?.i.r,t
' - - ' NroolIlI , I\<>pndood v.... S--PrIco lTV/CL:rv
1,374,400.00 0.00 1,71Q,OOO.00 ao.oo I 30.00
~lU!lo
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~.S<lO
ReDo.. "'-
0,000
Oloe !'1Z
0.000
l~' lu.v~ To.... -~"-.I1Y7
2.461 2,250 350 NO, No. of MOs. 0
This loan ha~ be~n SUS~~EV unt~l the fol1owinq lnfoc~tion ie provided. We mus~ receive
thin into~tion by lOI4~/Z004, ! f ~ do not receive it by that dat&, ~ mu3t clo3e the file
for inoo~let~n~~~. When we receive the info~tionr v~ wilL ~ev1~w the (Llo tot luc~her
dete;J:lninotio-n. '-11'
,J
Condition CnndJ.cion O.:!IcjCO:a'llJcpnt.:$
Corp "1'P~Q"".... l rel:Cd Cor t..h.te. ~nhla:l1aDd ",YO<J't..- 111/ • '7S-, odded CO
~~ L .ny· ~~~lOnft; pzovi~ « c~l.t. ~P,Y pe¢kaqe .lon9 v1e~
all cond...1c!o(l31 tn trlpllCdtt"
Pric.ing to b. corr@cr.~ to show . ~$ll Add t:~ t~ toO:- t.h.los. <enhlllX'oed

1
e~c.~~O~ ~ra9.~
) Prov1.d« c~~te clCeC;\Jt:.ed pureh~~~ t:C:::lOtrAet.~ o.eroy Lr-t.r.)r:'1:1'O(ls

will no~ ~et as • ~ub~ei~u~6
clo81nq do~.nt$ vill ~ ~de 4v411Ab~e .h~n the follov~q oo~tiOh~ AX~ ~e~:
Condition CoTldit,J..d" O•• ('j~nr;.:s

---------~---:----,-------- ---..._----------".--------~------ ...
lJ'rll.\!$AL~~ FIf:1.P RI:VUX (TO Strl'?OltT 5_·_ _ ,
~lr11'.~OO pr.~r~ Qu1dGlia6 a~ eo.~·to brwr, ~il1 ord+r 6~te~
corp .ppr~.~ (o~~.~ ~O/~~/04J
cOMtcno/S1GllUl 1001 (AT LOCK-IIl-lUIT!:\
.ho~ type of bu~in•• ~
(page 1 of 2 IO/2€/200~ "O,~f:5L)
" l.<NOCRWAAW ~lS1OOCOl-OOOUu;riul 'Mn
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469 / 745 / I
Court File: "Volume IV Continued" r
I
II
/
Loor r: 81737375
\ole-
Sonn--.....",.·
will ~ a.bl.e to fund your lo..a.n ""hen t.hlt !olloving ~~ndi.tlon.3 litre tnost
S.'t.'1l'.l\N, NrvIE
(the.,,~ 1t-ef'Oj: ""ill also "pp~a.r
I
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f)(\ your clot::!t19 .1.nlllt.r-uctior.e):
Condlt:,iatl cond.1t100n V#Q~)CQo«lln.. n~#
I\PPRA1SU-t\<Xl:puau: Clll.(""" N'l'iVII~kL 1~IN "!U.-~_l

1.£ not fund'9d t-y 12 n pro',d.. d .. a d.ri.veb~· QHc' ~" oj) re-cert.
"P'P~lSA.L-kPPM..tS&J\ 'IO E'ROV IDF.

LI(7;tciC
cmuu:,rr
Yrovi.oe ",1'0 a.n ~ddi':..L01'\-&l :'lI.~ of color photo.,:
liP!>f'l"...e.a CVt'ITrlCATIOf.1 rnA'" "LL CO?I£..:i AJlf: rnu£ "-U'O COitnE:CT
H&I..OC - L-O:PY O'Y FIP..S:T MORTOAG£ ).)Ott
Con cur~~nt. e lo.~ vi 'to"

~(lld. At S t 11800 , proll{d~ note
'0 r>iCe<-<o:-COo'1PI,I::TE/UGNl:D rOBH 'SO, I 9~-ol
11 Ct\llect s400 t"1~J"4.i5n.l t..1~ld roview fe-c f:ro," bcW't: 1-1\ ~SCLo..f
'nlAnk rau t()J: Sl,1l::nittin9 you::- lOMI =0 CO\lnt.ry...d ..de, ,Anw:::icn'~ fihOl-ea41e Lendey;! "of :!1ncer.ly &ppr"lll=i:attll
you~ Dosiness.
DII\l<E fl\I\ZlEl< 1Q/14(2004
Oo-.;1.,rlQit.r Oat:'.~
8rd-llCh HJ.."ld<j«-r O.a\:.e
lNP'/P-W/RSM D-.t.-
Th~ (oLlov~ng cond~~1on~ hav~ ~~ b4tt,ried and arQ shown her. fo~ ~ef~1~n~ only:
CQfi~ltlQn o.scJC~ot~
-"----------- ---~----------------~------ .... --- - ----------_... _. ---~~_ ...
t·
6~0'Kf.;1\ ~!TTE)( EXPLANI..TIOH R.F;GJ..RDlt'lG _~
~cc.ptftbl~ ~Kp14nctioQ vny bU~ln~.B (~ -ll x~ve~~~ 12 on 12~? S~
A.ltl'¢d l L.h.
tw'e:z:'ily .$lOi.;, 011 depo.tt. wi e3Cl:0'Il wi 50ur~ ve.rttled
rrovLdc OJ' btisi~~~~ li~Q~~ Q~ CP~ l~ttqr v~~t~y1ng til~d la~t Z
yr3 1040 l ll 03 4f'Jlf ...-"Itu-oyed .. ~ loc;otJ.e:>n
WY ok ~t~t f681-40933S0 for 7/12 thro ~/12 4~ :-180k
Ac:cep't-abla ~ OOV~rll\q fI.rC:l@nt. r •• i.d-nc.4 • ."q"'E2l<1-US/<llt041
d
31B
470 / 745
Samaan v Zernik (SC087400) Los Angeles Superior Court ( / !
Page 2 of 4
~"--~-"--------~------------- -~----------------~----~--~-~---~---._---._-----_._-----_.--.---------.------------
From: JOSEPH ZERNIK [mailto:jz12345@earthlink.net]

sent: Monday, July 09, 2007 3:36 AM
To: jZ12345@earthlink.net
Subject: CALUNG FOR SAMUELS IMMEDIATE RESIGNATION FROM BET TZEDEK'S BOARD OF DIRECTORS
SAMUELS, MOZILO DENIED ON FRIDAY EX PARTE APPLICATION FOR

COURT PROTECTION. ZERNIK CALLS FOR SAMUELS' IMMEDIATE
RESIGNATION FROM BET TZEDEK'S BOARD OF DIRECTORS
AS COUNTRYWIDE'S CHIEF LEGAL OFFICER, SAMUELS MUST BE HELD

ACCOUNfABLE FOR THE FILING ON FRIDAY. THAT FILING ITSELF
RENDERS SAMUELS UNFIT FOR PRESIDENT OF BET TZEDEK.
Beverly Hills, .July 7: Samaan v Zernik stems from the failed attempt of
Samaan to purchase Zernik's residence in 2004. Heading for trial, the case
hinges on an invalid Country\',ride* document(I, 11)**, dated October 26,2004,
which was filed as issued on or about October 14, 2004 -- deceiving the court
and committing fraud against Dr Zernik. Nivie Samaan and Maria Mclaurin
Country""ide's San Rafael Branch Manager started their collusion in 2004
with a Mortgage Fraud attempt and in Wire Fraud in the same failed real
471 / 745
719/7007
,
.. ')
I
I
I
Message Page 3 of 4
estate transaction to purchase Zernik's residence. At present ~ it is running as

malicious prosecution that is threatening to rob Dr Zernik of everything he
O\\TIS in broad daylight!
The safeguards for the integrity of operations at Countrywide can be viewed as
largely vested in Angelo Mozilo - Chair of the Internal Audit Committee and
Sandor Samuels - Chief Legal Officer. Samuels is also a very public figure in
Los Angeles, serving as President of the Board at Bet Tzedek (House of
Justice)(A,AI). It is a worthy provider offree legal services for the needy,
which deserves public support and funding. On Bet Tzedek's web pages(A, AI)
Samuels publicly and prominently called for Justice and for real-estate fraud
prevention. Moreover, he invited any who needed such help to approach Bet
Tzedek... The upcoming Beth Tzedek Justice Ball, July 28,2007 a large scale
charity event, raises funds to provide "equal justice for all".
Samuels andlor Mozilo could eliminate this case of real estate fraud in
minutes. It would be sufficient to clarify for the court the date that the
Underwriting Letter of October 26, 2004h, I was issued 0, It). Both
Country'vvide officers declined to take any action and refuse to answer any
questions in this regard. Instead, Countrywide sought a Protective Order(N),
and Bet Tzedek's web pages that mentioned Samuels and his calls for justice
were hastily removed CA, AI).
Most notable instances of "harassment ", described in court filing(P) on Friday
were that Zernik left an envelope for an Officer (unnamed) of Countrywide at
the offices of Bet Tzedek(A,AI), and that Zernik discussed Samaan v Zernik,
and Samuels' role in it, in a private meeting, with a rabbi in that rabbi's
chambers. While the court did not grant Samuels and Mozilo their wish on
Friday, it left open for them a regular hearing, already scheduled for July 23,
2007, in the Santa Monica Courthouse, Dept 1.
Samuels declared himself on Bet Tzedek's web pages as "overseeing litigation
affairs" at Countrywide(A,AI). Combined, Samuels' conduct in Samaan v
Zernik, where he continues to assume the right not to respond to an ongoing
real-estate fraud committed under Countryvvide's name, and his attempt to
abuse justice and quash First Amendment rights of a victim of abuse by
Countrywide, is inconsistent "vith the goals of Bet Tzedek(Q). He is already a
Liability rather than an Asset.
Samuels must immediately resign from any association with Bet Tzedek. His
conduct relative to real estate fraud and First Amendment rights of a real-estate
fraud victim, is contrary to the goals of Bet Tzedek.
*Countrywide here denotes Countrywide Financial Corporation, Inc, and all
its subsidiaries and
affiliates, jointly and severally.
** References in this release,designated a letter, can be found at:
http:/LhQmc.s'~r1hljnk.Il~t/~·.iz12J45[ COUNTRYWIDE/
For additional information regarding this action contact:

Joseph Zernik, DMD,PhD
Email: I234s6xyz@gmai1.com
END
472 / 745
Court File: "Volume IV Continued" J

7/9/2007
Message Page 4 of 4
~~~~~---~~=~=~~~~~=~~~===~~~==~~======~=====~~=~==~===~==~===~=====~---
confidential, is intended only for the use of the intended recipient, and is the property of Countrywide
Financial Corporation or its affiliates and subsidiaries. If you are not the intended recipient, you are
hereby notified that any use of the information contained in or transmitted with the communication or
dissemination, distribution, or copying of this communication is strictly prohibited by law. If you have
received this communication in error, please immediately return this communication to the sender and
delete the original message and any copy of it in your possession.
~~======~==~~==~~=============~====~==~~~~=~~~~=-~====================
) ~"?
473 / 745
! j
7/9/2007

-
From: JOSEPH ZFRNIK
To: kjfunncll@gmail.com
Sent: Monday, July 09, 2007 5:.13 i\M
Subject: C\LLINC FOR SAt\fLTELS IMMEDIATE RESIGNATION FROM BET TZEDEK'S BOARD OF
DIRECTORS
POR IMMEDL\TE RELFi\SF
SAMUFLS, l'vtO/,ILO DFNIFD ON FRIDAY EX PARTE APPLICATION FOR COURT PROTECTION.

ZERNIK C\LLS FOR SAMUELS' II\1MEDIATr~: RESIGNATION FROM BET TZEDEK'S BOARD OF
DIRECTORS
AS COUNTRYWIDE'S CHIEF LEGAL OFFICER, SAMUELS MUST BE HELD ACCOUNTABLE FOR

THE FILING ON I<'RID:\ Y. THAT FlUNG ITSELF RENDERS SAMUELS UNfIT FOR PRESIDENT OF
BET TZEDEK,
Beverly Hills, July 7: Samaan v Zernik stems from the failed attempt ofSamaan to purchase Zernik's residence in
2004. Heading fur trial, the case hinges on an invalid Countrywide* document(I, 11)**, dated October 26, 2004,
which was flled as issued on or about October 14,2004 -- deceiving the court and committing fraud against Dr
Zernik. Nivie Samaan and Maria McLaurin - Countrywide's San Rafael Branch Manager started their collusion in
2004 with a Mortgage Fraud attempt and in Wire Fraud in the same failed real estate transaction to purchase
Zernik's residence. At present - it is running as malicious prosecution that is threatening to rob Dr Zernik of
everything he owns in broad daylight! 'The safeguards for the integrity of operations at Countrywide can be viewed
as largely vested in Angelo Mozilo - Chair of the Internal Audit Committee and Sandor Samuels - Chief Legal
Officer. Samuels is also a very public figure in Los j\ngeles, serving as President of the Board at Bet Tzedek (House
of Justice) (A,;\ 1). It is a \\/orthy provider of free legal services for the needy, which deserves public support and
funding. On Bet Tzcdek's web pages(A, AI) Samuels publicly and prominently called for Justice and for real-estate
fraud prevention. t\loreover, he invited any who needed such help to approach Bet Tzedek... The upcoming Beth
Tzedck Justice Ball, July 2H, 2007 a large scale charity event, raises funds to provide 11 equal justice for all". Samuels
and/or Mozilo could eliminate thiS case of real estate fraud in minutes. It would be sufficient to clarify for the
court thc date that the C nderwriting Letter of October 26, 200411, I was issued (1, Ii). Both CountryVv'ide officers
declined to take any action and refuse to answer any questions in this regard. Instead, Countrywide sought a
Protective OrderC'J), and Bet Tzcdck's web pages that mentioned Samuels and his calls for justice were hastily
removed (1\, AI). Most notable instanccs of "harassment ", described in court ftling(P) on Friday were that Zernik
left an envelope for an Officer (unnamed) of Countrywide at the offices of Bet Tzedek(AA 1), and that Zemik
discussed Samaan v Zemik, and Samuels' role in it, in a private meeting, with a rabbi in that rabbi's chambers.
While the court did not grant Samuels and Mozilo their wish on Friday, it left open for them a regular hearing,
474 / 745
,( ,
,./ /
aIready scheduled for July n, 2007 " the Santa Monica Courthouse, Dept I .~ 'Tlucls declared hiImelf on Bet
Tzedek's web pages as "oH.'rseeinic, ~,ation affairs" at Countrywide(;\,A I). Ibined, Samuels' conduct in
Samaan v Zerruk, where he continues to assume the nght not to respond to an ong01ng real-estate fraud committed
under Countrywide's name, and his attempt to abuse justice and quash First Amendment rights of a victim of
abuse by- Countrywide, IS inconsistent with the goals of Bet Tzedek(Q). He is already a Liability rather than an
Asset. Samuels must immediately resign from any association with Bet Tzcdek. His conduct relauve to real estate
fraud and Ftrst :\mendment rights of a real-estate fraud victim, is contrary to the goals of Bet Tzcdek.
*Countrywide here denotes Countrywide Financial Corporation, Inc, and all Its subsidiaries and affiliates, jointly
and severally.
** References in this release,designated a letter, can be found at:
http://home.earthlink.net/~jz12345/ COUNTRYWIDE/
1'or additional information regarding this action contact: Joseph Zernik, DMD,PhD
Email: 123456xyzrah.•.1natl.com
END
---------------------------_.--------------------------------------
---------------_. -------------------------------------------------
confidential, is intended only for the use of the intended recipient, and is the property of Countrywide Financial
Corporation or its affiliates and subsidiaries. If you are not the intended recipient, you are hereby notified that any
use of the information contained in or transmitted with the communication or dissemination, distribution, or
copying of this communication is strictly prohibited by law. If you have received this communication in error,
please immediately return this communication to the sender and delete the original message and any copy of it in
your posseSSIOn.
475 / 745
Court File: "Volume IV Continued" , J

•·~f
John W Ambtlg
Direct 1-310-576-2280
Fax: 1-310576-2200
)\"'amberg(Q)bf)'Jnc:wt:" corn
Bryan Cave LLP

120 Broadway, Suile 300
July 6,2007
S,nta MOnica, CA 904012386
Tel 13101 576-2100
Fa. (31015762200
www bryancave.com
VIA FACSIMILE AND OVERNIGHT MAIL
G. Richard Green, Esq.

Chicago
Green & Marker
Hong Kong
1875 Century Park East
Irvine
Suite 1880
Jefferson C,ty
Los Angeles, California 90067
Kansas Crty
Re: Nivie Samaan. v. Joseph Zemik Kuwait
Los Angeles County Superior Court7 Case No. SC087400 Los Angeles
New York
Subject: CEASE AND DESIST Phoen;.
Shanghai
Dear Mr. Green: St LoUIS
Washington, DC
As you know, we are attorneys for Countrywide Home Loans, Inc. and related
companies ("Countrywide"), and its officers and employees, who are the targets of a And Bryan Cave,
A Multinational Parrnersh,p.
campaign of harassment by Joseph Zemik directed at them and at their personal
London
associates. Please provide this letter to your client.
During the past several months, Dr. Zemik has repeatedly contacted Countrywide
officers and employees concerning this lawsuit, despite express notice to Dr. Zernik
that these individuals are represented by counsel and despite numerous requests that
Dr. Zernik direct all communications concerning the case to Todd A. Boock of the
Countrywide legal department or other designated counsel. Dr. Zemik has blatantly
ignored thesc requcsts and his continued practice of directly contacting represented
persons is improper and harassing.
Furthennore, Dr. Zernik has contacted personal associates of the employees

regarding his claJms, including the charity Bet Tzedek where one of Countrywide's
officers is President, a rabbi at the synagogue attended by the same officer, other
religious leaders, a retired Superior Court judge, and "others in the legal and Jc"'W-ish
conununity in ws Angeles," according to Dr. Zernik. Recently, we learned that Dr.
Zemik has also contacted individual members of the Bet Tzcdek board of directors.
None of these third parties has anything to do with this lawsuit, and the only
Si\I01DOCS\64382j I
476 / 745
Court File: "Volume IV Continued" !'
G. Richard Green, Esq. Bryan Cave UP
July 6, 2007
Page 2
conceivable purpose for your client's contacts was to embarrass Countrywide's officer in an attempt to
pressure Countrywide.
Dr. Zcrnik has published scurnlous attacks on Countrywide and its officers to third parties, bringing
their business practices into disrepute by falsely accusing them of real estate fraud, mortgage fraud,
and wire fraud, and of colluding with the plaintiff. These conununications are defamatory,
outrageous, and malicious.
On behalf of Countrywide and its officers and employees, we hereby demand as follows:
1. That Joseph Zernik immediately cease and desist from contacting represented Countrywide
officers and employees, and shall communicate solely with Countrywide'S designated legal counsel
regarding this case in the future;
2. "That Joseph Zemik immediately cease and desist from contacting any personal associates of
Countrywide's officers and employees about this case or the business practices of Countrywide and its
officers and employees;
3. That Joseph Zemik retract the false and malicious statements that he has published to third
parties, including but not limited to his defamatory statements that Countrywide and its officers and
employees have committed fraud and colluded with plaintiff. Retraction should be made in the same
form and to the same persons to whom the defamatory statements were made, and proof of the
retractions shall be provided to the undersigned; and
4. That Joseph Zernik refrain from publishing any new defamatory statements about
Countrywide and its officers and employees.
Countrywide and its officers and employees reserve all of their rights against Joseph Zemik.
~~-
John W. Amtter
]WA:jcc
SMOl DOCS\64:182:11
477 / 745
r, I
Sanford Shatz (CA State Bar No. 127229)
2 II Todd A. Boock (CA State Bar No. 181933)
5220 Las Virgenes Road, MS: AC-11
3 II Calabasas, California 91302
Telephone: (818) 871-6062
4 Il Facsimile: (818) 871-4669
5 BRYAN CAVELLP
6 IIJohn W. Amberg (CA State Bar No. 108166)
Keith D. Klein (CA State Bar No. 184846)
7 IIJenna Moldawky (CA State Bar No. 246109)
120 Broadway, Suite 300
8 II Santa Monica, Caiifornia 90401-2386
Telephone: (310) 576-2100
9 \I Facsimile: (310) 576-2200
10 II Attorneys for Countrywide Home Loans, Inc.
11 GREEN & MARKER

G. Richard Green
12
13 Los Angeles, California 90067
Telephone: (310) 201-0406
14
II Attorneys for Defendant Joseph Zernik
15
17 FOR THE COUNTY OF LOS ANGELES, WEST DISTRICT
18
191\NIVIE SAMAAN, et al., ) Case No.: SC087400
)
20 II Plaintiffs, ) Hon. Jacqueline A. Connor
)
21 Il
vs. ) JOINT STIPULATION AND
22 II ) [pROPOSED] ORDER RE
JOSEPH ZERNIK et al., ) COMMUNICATION WITH
23 Il ) COUNTRYWIDE
Defendants. )
24 II
)
25 II )
)
26 Il )
27 II )
)
28 II )
SMOIDOCS\643951.2
1
JOINT STIPULATION AND [pROPOSED] ORDER

478 / 745
Samaan v Zernik (SC087400) Los Angeles Superior Court (II
I .J
I II IT IS HEREBY STIPULATED by and between the parties hereto, subject to the
2 approval of the Court, as follows:
3 WHEREAS Defendant Joseph Zernik ("Zernik") has repeatedly communicated with

4 II officers and employees of Countrywide Home Loans, Inc. ("Countrywide"), despite being
5 II infonned that they are represented by counsel for Countrywide, and despite repeated
6 II requests that Zernik communicate solely with designated legal counsel and not with the
7 II represented individuals;
8 II NOW THEREFORE, the parties stipulate and agree that Zernik will communicate
9 II solely with Countrywide's designated legal counsel and not with Countrywide officers or
10 II employees regarding the present action.

11 II
Dated: July ,2007 GREEN & MARKER

12 G. RICHARD GREEN
11
13 II
By:
14 II G. Richard Green
15 II Attorneys for Defendant
Joseph Zemik
16 II
17 II Dated: July cO, 2007 BRYANCAVELLP
JOHN W. AMBERG
18 II KEI1'H D. KLEIN
19
20
21 II ( Attorneys for
Countrywide Home Loans, Inc.
22
23
24
25
26
27
28 II
SMOIDOCS\643951.2
2
479 / 745 JOINT STIPULATION AND [pROPOSED] ORDER
,
/' /
I
[pROPOSED] ORDER
2 II Defendant Joseph Zernik shall communicate solely with Countrywide's designated
3 Illegal counsel and not with Countrywide officers or employees regarding the present action.
4 IT IS SO ORDERED.
5
DATED:
6 II Hon. Jacqueline A. Connor
SUPERIOR COURT JUDGE
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28 II
SMOlDOCS\6439S1.2
2
480 / 745 JOINT STIPULATION AND [pROPOSED] ORDER
S
John W ,\mocrg
Direct: 1-110-S76-22llO
Fax 1-110-S76-23X1
jW2mberg@btyanca\"C.com
Bryon Co •• llP
120 Broadway, Suite 300
July 9, 2007
Saota Moo'ca, Cr.. 90401-2386
1e113101576-2100
Fax 1310) 576-2200
wwwbryancave.com
VIA FACSIMILE AND OVERNIGHT MAIL
G. Richard Green, Esq.

Chicago
Green & Marker
Hong Kong
Irvme
Los Angeles, California 90067
Jeffe"on City
Re: Nivie Samaan v. Toseph Zernik Kansas City
Los Angeles County Superior Court, Case No. SC087400 Kuwait
Los r..ngeles
Subject: SECOND CEASE AND DESIST LETTER New York
Phoeni.
Dear Mr. Green: Shangha,
St louis
We write again to demand that your client Joseph Zemik cease and desist from Washington. DC
harassing Countrywide and its officers and employees.
And Bryan CEve,
A Multin6tion61 Partnership.
As you know, we represent Countrywide Home Loans, Inc. and related companies
("Countrywide"), and its officers and employees, who continue to be the targets of a london
campaign of harassment by Joseph Zemik directed at them and through their

personal and business associates. Please give this second cease and desist letter to
your client.
On July 6, 2007, we sent you a cease and desist letter ill response to Dr. Zernik's
unrelenting harassment of Countrywide officers and employees, his defamatory
statements about them, and his repeated efforts to contact personal and business
associates of Countrywide officers, including religious leaders, a retired judge, and
members of charity boards - despite the fact that none of these third parties have
anything to do with this lawsuit. Dr. Zernik's contacts with them were scurrilous and
malicious, and were intended solely to injure the reputation of Countrywide's officers
and employees in the community, and to attempt to pressure Countrywide.
The July 6 cease and desist letter demanded the following:
S~,ltll D( )cS\(,441 KG.l
481 / 745 ) !
Bryan Cave llP
G. Richard Green, Esg.
July 9,2007
Page 2
1. That Joseph Zemik immediately cease and desist from contacting represented Countrywide
officers and employees, and shall communicate solely with Countrywide's designated legal counsel
regarding this case in the future;
2. That Joseph Zemik immediately cease and desist from contacting any personal associates of
Countrywide's officers and employees about this case or the business practices of Countrywide and its
officers and employees;
3. That Joseph Zernik retract the false and malicious statements that he has published to third
parties, including but not limited to his defamatory statements that Countrywide and its officers and
employees have committed fraud and colluded with plaintiff. Retraction should be made in the same
form and to the same persons to whom the defamatory statements were made, and proof of the
retractions shall be provided to the undersigned; and
4. That Joseph Zernik refrain from publishing any new defamatory statements about
Countrywide and its officers and employees.
We have learned that Dr. Zemik flagrantly ignored these demands, and published new defamatory
statements to personal and business associates of Countrywide's officers and employees. On Monday
morning, July 9, 2007, at 3:36 a.m. and 5:33 a.m., Dr. Zernik sent outrageous emails to various
recipients regarding Countrywide and its officers, calling for the resignation of Countrywide's Chief
I~gal Officer as President of the charity Bet Tzedek's Board of Directors, and maliciously mocking his
involvement with the organization. As with the previous emails about which we complained, Dr.
Zernik's latest emws continue to falsely accuse Countrywide of committing mortgage fraud and wire
fraud, which is outrageous. The recipients of Dr. Zernik's latest scurrilous etnails included not only
members of the Bet Tzedek Board of Directors, but also others in the local business community.
These false and offensive communications must stop. Dr. Zernik has abandoned all professional
decency, and continues to mount an unprovoked assault on Countrywide and its officers and
employees. He has spread his defamatory statements across the community to persons with no
connection with his lawsuit. We reiterate our demand that Dr. Zernik must cease and desist.
Countrywide and its officers and employees reserve their rights to take any and all available legal
action against Dr. Zernik, and to seek all available remedies against him.
John W. Amberg
JWA:jcc
SMIJ1DOCS\644186.1
482 / 745 ----

Court File: "Volume IV Continued" I "
*********************
*** TX REPORT ***
*********************
TRANSMISSION OK
TX/RX NO 2086
ON TEL
CO~l\'ECTI #138913102010461
CONNECTION ID
ST. TI~ 07/09 19:16
USAGE T 00'35
PGS. SENT 3
RESULT OK
1.!I"!I~'."1 -=
I~
Brvan Cav. LLP

Facsimile Cover Ono Mettopclitah Square
<,11 NQrth Broadway
Suita 3600
11Ii!'. fac~\mile contains infonnation that (a) is or may be LEGALLY PRIVILEGED, PROPRfETARY
St louis, MO 831D2-mO
IN NATURE, OR OTHERWISE PROrECTED BY LAW FROM DISCLOSURE and (b) is jflleoded
for the use of the Ad<.kcss¢c(s} narned herein. If you are DOt the intended recipient, an addressee, Tel (314) Z59-<'OOO
or the person responsible fOr delivering this to an addressee. you are hereby notified that rearling,
Fax (314) 259-20Z0
copying or distributing Ihis facsimile i~ prohibited. If you have receh'cd this facsimile in error, please
telephone us inunediately and mail the facsimile back to us at the address to the right. Thl\nk you. www.oryanc3V9.com
Date: July 9, 2007

From: John W. Ambetg Telephone: 310-576-2100
Sent by: Sender's Direct f'a.x Number: 310-576.2200
To: G. Richard Green Fax Number: 310-201-0461
Company: GREEN & MARKER Telephone:
International Country:
Country Code: Ciry Code;
Matter 0211679 Timekeeper TO: Number of Pages Including Cover: 3

Message:
Re; Nivie Samaan v. JoseDh

:z
Zemik
~
Los Angeles CoW)ty Superior Courty Case No. SC087400
483 / 745
Court File: "Volume IV Continued" f
Samaan v Zernik (SC087400) Los Angeles Superior Court _.J""""
Bryan Cave LLP
Facsimile Cover One Metropolitan Square
211 North Broadway
Suite 3600
This facsimile contains information thaI (a) is or may be LEGALLY PRIVILEGED, PROPRIETARY
St Louis, MO 63102·2750
IN NATURE, OR OTHERWISE PROTECTED BY LAW FROM DISCLOSURE and (b) is intended
for the use of the Addressee(s) named herein. If you are not the intended recipient, an addressee, Tel (314) 259-2000
or the person responsible for delivering this to an addressee, you are hereby notified that reading, Fax (314) 259-2020
copying or distributing this facsimile is prohibited. If you have received this facsimile in error, please
telephone us immediately and mail the facsimile back to us at the address to the right. Thank you. www.bryancave.com
Date: July 9,2007

From: John W. Amberg Telephone: 310-576·2100
Sent by: Sender's Direct Fax Number: 310-576-2200
To: G. Richard Green Fax Number: 310-201-0461
Company: GREEN & MARKER Telephone:
International Country:
Country Code: City Code:
Matter 0211679 Timekeeper 1D: Number of Pages Including Cover: 3

Message:
Re: Nivie Samaan v. Joseph Zernik

Los Angeles County Superior Court, Case No. SC087400
To Sender:
Do you wish to be contacted when fax is sent? DYes [g] No
Do you wish to be contacted at your homeloffice if fax [g] Yes DNa
cannot be sent within one hour? Tel:
I f all pages are not received, please call (314) 259-2736 .
484 / 745
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••
Morning Overnite -- A
Bill To:30297 Date: 7/9/2007

From:Pamela C. Davis
Bryan Cave
120 Broadway
Ste:300
Santa Monica, CA 90401
3105762100
Billing Reference:FR40211679
To:G. Richard Green, Esq.

SPECIAL INSTRUCTIONS: Signature Required
Green & Marker
1875 Century Park East
Number of Pieces: 1
Ste:1880
Century City, CA 90067
3105762329
Signature Required
Please fold this page in half and place It In the pouch on your shipment Only one copy IS required by Ovemlte Express
WARNING Use only the pnnted label for shipping Using a photocopy of this label for shipping purposes IS fraudulent and could result in add~ional
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numbers will not be delivered
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485 / 745
https:llwVvw.ovemiteexprcss.com/ovemiteshiponline/directionishipmentform.aspx
7/9/2007
PROOF OF SERVICE
! 1 am employed in the County of Los Angeles. State of California. I am over the age of 18
and not a party to the within action. My business address is 120 Broadway. Suite 300. Santa
3 Monica. California 90401-2305.
4 On July II. 2007. I served the foregoing document(s). described as NOTICE OF
5 MOTION AND \lOTION FOR A PROTECTIVE ORDER; :\1EMORA~DUM OF POINTS
AND AeTHORITIES; DECLARATION OF TODD A. BOOCK; DECLARATION OF
6 .JOHN W. AMBERG; IPROPOSEDI ORDER THEREO~ on the interested parties in said
action or proceeding as follo\',s:
7
Jmeph /crmk D\{l) PhI) C. Riclurd Creen, I·:sq.
8 ).2(1 :,outh Peck Dri\'l' (;reC!1 & \larker
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10 i712.)-I-5~jearthEnk.nct
I1 Rohert J. Shulkin, hq. .\loc Kcsha\'ar7i, ESLJ.

10
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I.egal Department Sheppard .\Iullin Richter & Hampton, I J ,1)

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« e-mail addrcsses as shown herein. Each transmission was reported as complete and \vithout error.
I-
z
17
«
<Il
as t()IIO\\s:
18
[g] BY OVERNIGHT DELIVERY I deposited in a box or other facility maintained
19 by the overnight delivery service, an express carrier service, or delivered to a courier or driver
authorized by said express carrier service to reccive documents. a true copy of the foregoing
20 document. in an emelope designated hy said express service carrier. \\ ith delivery fees paid or
21 provided !(1r.
y) Lxccutcd on July 11.2007. at Santa Monica. California.

-~
23 I declare under penalty of perjury under the lavis of the united States of America and the
State of California that the foregoing is true and correct.
24
I declare under penalty of perjury under the lav.s of the l (nited States of America and the
")
.:.)
State of California that the foregoing is true and correct.
26
27 /'~.i ;{ I /, 'I ii/I I I I f

28 Pamda Davis
486 / 745 '-6Iljll

SHEPPARD ~lL'LLI~ RrCHTER & HA\;lPT00i LLP
2 fneluding Professional Corporations
PHILLIP A. DA VIS, Cal. Bar No. 110430
311 \;10E KESHAVARZI, Cal. Bar )Jo, 223759
ROBERT \lLSSIG, Cal. Bar No. 240369
4 11333 South Hope Street, 48th Floor FII~En
Los Angeles, California 90071-1448 tos "\~(;HFS "i/;'j f( jl \H (OfJRT

5 II Tclcph~nc: 213-620-1780
Facsimile: 213-620-1398 ,11ff} U,'1]07 (.;
6
Attorneys for Plaintiff JOHN .4." CL',R:<t, CLERK
7 II NfVIE SAMAAN ~\~~~ \U\Qa.l)
BY BARBARA VARGAS~EPUTY
8
10 FOR THE COUNTY OF LOS ANGELES WEST DISTRICT
11
1211 NIVIE SAMAAN, an individual; Case No" SC 087400

v.
14 PLAINTIFF'S OPPOSITION TO
DEFENDANT'S MOTION TO
15 II JOSEPH ZERNIK, an individual and EXPUNGE LIS PENDENS;
16 DECLARATIONS OF NIVIE
Defendants.
SAMAAN, VICTOR PARKS, MARIA
17 McLAURIN, GAIL HERSHOWITZ,
ALFRED CANINO, JAY R. STEIN
18
AND MOE KESHA VARZI IN
SUPPORT THEREOF;
19
REQUEST FOR JUDICIAL NOTICE

20
FILED CONCURRENTL Y
HEREWITH;
21
OBJECTIONS TO THE
22
DECLARATION OF JOSEPH
ZERl\IK.
--J 23
Date: July 23, 2007
--
~r::.(
';<~~-"'"
"'~"J_
>')"
( ..........
24
25
Time:
Dept.:
8:30 a.m.
I
Trial Date: September 7, 2007

'1V'/", . . 26
/ ......,.JIO
"~- 27
1'''''''')'
, ~~./.
28
487 / 745 WOl, WIST IRf \11 .jilO,"SCJh'i] OPPOSITIO:'; TO :VfOTlO:'ol TO EXPL~GE
Court File: "Volume IV Continued" LIS PE,VDE/VS
TABLE OF CONTE~TS
2
Page
I. I~TRODCCTIO"N 1
4"
II 11.
STATE\;I ENT OF RELEVANT FACTS 3
A. Plaintiff, Her Husband-to-Be and Their Three Children Search for a
Suitable I-10me 3
B. After Much Delay, Defendant Accepts Plaintiffs Second Counter-Offer
8
and Promises Her Any Additional Time She ;\IIay Need 3
9
C. Despite Repeated Requests by Plaintiff and Her Broker, Defendant
10
Repeatedly Delays in Providing Plaintiff With the Necessary
Documents 5
11
D. Defendant Finally Sends Some, But 'Jot All, of the Necessary
12
Documents to Plaintiff and Parks 7
13
E. The Lender Approves the Loan and Plaintiff Removes the
14
Contingencies Before Defendant Cancels Escrow 8
15/I II f.
ARGUMENT 9
16
A. Defendant's Motion Consists of Untenable Conspiracy Theories,
17
Unsupported Accusations, Half-Tmths, and Outright Lies 9
18
1. Defendant's claim that plaintiff conspired to defraud him is
absurd 9
19
2. Defendant's "adulteration" lacks any basis 9
20
21
3. The Notice of Lis Pendens was served on defendant by certified
mail. 10
22
B. Defendant Prevented Plaintiff from Perfonning Her Obligations 10
23
1. Defendant's repeated delays were the only cause of plaintiffs
24
inability to remove the Appraisal Contingency by October 11,
25
2004 10
26
a. Defendant delayed in perfonning everyone of his
obligations under the Purchase Agreement. 11
27
28
b. Defendant's delays prevented plaintiff from removing the
-1
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Court File: "Volume IV Continued" US PE,\D£NS
Appraisal Contingency on October 11 11
2 ") Defendant waived the time provisions in the contract because he

delayed in performing his obligations 14
3
4 3. Samaan removed the appraisal contingency before defendant
cancelled escrovv· 15
5
C. If Defendant Sells the Property, Plaintiff\Vill Be Left with No
6 Effective Remedy 15
7 IV. ('ON('L LiSION 15

11
8
9
10
I1
12
13
14
15
16
17
18
19
20
21
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23
24
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27
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489 / 745 \\'(I~·\\F')r IRE"!l ·1IJ!""fJ651
OPPOSITIO:---i TO \:!OTI00.' TO EXPL'-.:GE
LIS PEVlJE::!'vS
2 II State Cases.
3 II ?\Jinety \:ine Investments. Ltd. v. Overseas Courier Service,

113 Cal. App. 4th 11 18 (2003) 11, 13
4
Rubin v. Fuchs,
511 1 Cal. 3d 50 (1969) 11
6 II Tancredi v. Garrett,
210 Cal. App. 2d 818 (1962) 14
7
8 II State Statutes
911 California Civil Code section 1511 11, 15

10 II California Civil Code section 2332 13
11 II California Civil Code section 2333 13
12
13 II Other Authorities
14 II Miller & Starr, California Real Estate, Agency section 3:50 (3rd Ed. 2007) 13
15 II Miller & Starr, California Real Estate, Escrows section 6:20 (3rd Ed. 2000) 11
16 II Miller & Starr, California Real Estate, Escrows section 6:21 (3rd Ed. 2000) 14
17
18
19
20
21
22
23
24
25
26
27
28
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OPPOSITIO:\ TO \IOTIO;-"; TO EXPL"iGF
Court File: "Volume IV Continued" LIS PE.VDEVS
ME'IORA:\DU"t OF POINTS A~D AUTHORITIES
3 I. INTRODUCTION
4
5 II This case is about Nivie Samaan's ("Samaan" or "plaintiff') request for specific
6 II performance of an agreement to purchase a home for Samaan, her husband and their three
7 II daughters. In September 2004, Samaan and defendant Joseph Zcrnik ("defendant") entered
8 II into an agreement for defendant to sell to Samaan the property located at 320 S. Peck Drive,
9 II Beverly Hills, California 90212 (the "Property"). Escrow was set to close on November 1,
10 II 2004. The undisputed facts show that from the start de fendant consistently delayed
11 II performing every single one of his obligations.
12 II Defendant sought to expunge the lis pendens in November 2006, arguing, as he does
13 II again in his new motion, that Samaan was required to remove the appraisal contingency by
14 II October 11,2004, but did not do so. This Court denied defendant's motion. Defendant's
15 II renewed motion should also fail because it adds nothing of substance to the first; it is little
16 II more than an amalgam of untenable conspiracy theories, unsupported accusations, half
1711 truths, and outright lies. For example, defendant now claims that plaintiff participated in a
18 II conspiracy with Countrywide to misrepresent her financial ability to purchase the property
19 II from him. However, he offers no evidence, other than his own self-serving, hearsay-riddled
20 II declaration, in support of this claim. Moreover, it is entirely unclear how this alleged
21 II conspiracy was to have played out. Defendant also claims that plaintiff submitted an
22 II "adulterated" version of the purchase agreement in connection with her opposition to his
23 II first motion to expunge. However, he offers no evidence that this is so, but offer only his
24110vm testimony on "information and belief' that the document is a forgery. This claim
25 borders on the absurd. Gail Hersho\vitz, the parties' escrow agent and a disinterested
26 \vitncss has recently signed a declaration confirming that the purchase agreement Samaan
27 II provided to the Court with her opposition to defendant's first motion to expunge is authentic.
28 II Declaration of Gail Hershowitz, Exhibit A. In fact, while defendant's motion is only
-1
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Court File: "Volume IV Continued" USPEND£NS
I
supported by his declarations, plaintiff has provided the Court with declarations from every
2 II disinterested party who \vas involved with the transaction. including Ms. Hershmvitz and
3 II \;laria \kLaurin of Countrj\vide.
.f II Defendant also argues that plaintiff could not have obtained a loan to purchase the
511 property. Yet, a disinterested witness, Countrywide, has testified that plaintift~ in fact,
6 II would have qualified for a loan had defendant followed through on the transaction. Plaintiff
7 II has also provided evidence that at all relevant times she has been ready, willing and able to
8 II purchase the Property. Finally, defendant claims that the notice of lis pendens was not
9 /I served on him by certified mail. This is an outright lie. With this opposition plaintiff has
10 II provided evidence that her fonner counsel Mr. Jay Stein served the Notice of Lis Pendens
11 lion four different addresses he had for defendant before recording it. In short, defendant's
12 II second motion to expunge adds nothing to the first. Accordingly, the Court should deny this
13 II motion for the all same reasons it denied that one.
14 II Samaan will likely prevail in this action because the following facts are undisputed:
15 • Defendant was required to provide plaintiff with a fully executed Purchase
16 II Agreement on September 27, 2004. Request for Judicial Notice at Exh. 1, Declaration of
17 II Joseph Zemik, dated September 19, 2006, at, Exh. 5.
18 • Defendant did not provide plaintiff with a fully executed Purchase Agreement
19 II until after 3:24 p.m. on October 22, 2004, one business day before he attempted to cancel
20 II escrow. Declaration of Gail Hershowitz, ,.;~ 2-3, Exh. A; Declaration of Victor Parks, ~ 14,
21 II Exh. 24.
22 II • The only reason Countrywide would not approve the appraisal of the Property
23 II (which would have enabled Samaan to remove the appraisal contingency) was because it
24 II had not been provided with a fully executed Purchase Agreement. McLaurin decl., Exh. A.
25
26
27
28
IV02-\\ EST I RE\!] -100355%5 I

-2 --------
492 / 745 OPPOSITIO;\; TO \10110.\ TO EXPCNGE
Court File: "Volume IV Continued" US PENDENS
II. STATEMENT OF RELEVANT FACTS
3 A. Plaintiff. Her Husband-to-Be and Their Three Children Search for a Suitable
4 Home
5 In March 2004. plaintiff and her then tiance became engaged and began searching for
6 II a home to purchase in Beverly Hills in anticipation of their \vedding on September 18, 2004,
711 in Hawaii, (Declaration of Nivie Samaan ("Samaan Decl."), ~i 2). At the time, plaintiffs
8 II fiance and his three daughters lived together in his tv.'o-bedroom apartment in Beverly Hills;
9 II plaintiff did not live with them. (ld.). Their search for a new home was limited by two key
10 II factors: (1) Their budget was approximately $1.7 million, and (2) because their children
II II were enrolled in high school and middle school in Beverly Hills, their new home had to be
12 II located in the Beverly Hills area so that their children could remain in the same schools.
13 II (Id.).
14 II In the hot real estate market of 2004, plaintiff and her fiance found it nearly
15 II impossible to find a house in Beverly Hills within their budget. (Id. at ~ 3). Between March
16 II and September 2004, they placed several offers on various homes, but none were accepted.
17 II (Id.). Eventually, in early September 2004, approximately two weeks before their wedding
18 II date. plaintiff and her fiance found the property at the heart of this dispute, located at 320
19 II South Peck Drive, Beverly Hills, California 90212, less then two blocks from their
20/1 apartment.] (Id.).
21
2211 B. After Much Delav, Defendant Accepts Plaintiffs Second Counter-Offer and
23 Promises Her Anv Additional Time She May Need
24 The property was, and is, owned by defendant. His agent in the transaction was
25 II :Vlichael Libow of Coldwell Banker ("Libow"). On September 4, 2004, plaintiff presented
2611 1
In August 2004, plaintiff moved into her fiance's two bedroom apartment hoping that
27 soon the entire family would move to a new house. (Samaan Decl., .. 2). Plaintiff,
her fiance. and their three children all currently live in the same two-bedroom
28 apartment. (Id.).
-3
493 / 745 WiJ2-WEST I RI::\1i 4iJ(}.155%5 I
OPPOSITION TO :YI0TI00i TO EXPUNGE
Court File: "Volume IV Continued" LIS PEVDE.YS
an offer to purchase the property via facsimile to Libmv. (Samaan Decl., ~ 4; Exh. I). Six
2 II days later, on September 10, 2004, defendant, through his agent, presented plaintiff with a
3 II counteroffer. (Exh. 2). At the same timc, Libow infomlcd plaintiff that defendant had
411 received multiple offcrs on the property. (Samaan Decl., ~ 4). The next day, on
5 II September 11, 2004, plaintiff accepted all of the terms of defendant's counter-offer with the
6 II exception of one item and faxed her second counter-offer to defendant. (ld. at ~ 4; Exh. 3).
7 II In the t~lcsimile cover sheet accompanying her second counter-offer, plaintiff informed
8 II Libow that she was leaving town on Thursday, September 16, 2004, for her wedding in
9 II Hawaii and was going to be out of town for one week. (Exh. 3). Plaintiff informed
10 II defendant, however, that she was prepared to act expeditiously: "[M]y lender has my loan
11 II application, financials and is ready to start on my verbal. Please let me know as soon as you
12 II hear from the seller." Od.). Plaintiff informed defendant that she was going to "Iiquidate[]
13 II stock for the down payment, but will not be back until" September 23. ([d.).
14 II Defendant did not immediately respond to plaintiffs second counter-offer. (lQ. at
IS II ~ 5). Plaintiff waited until September 13,2004, and not having heard from defendant, wrote
16 II again to Libow urging a response to her second counter-offer: "I truly want the house and
1711 would love to make it a home for my family and me." (Id. at ~ 5; Exh. 4). In the same
18 II letter, plaintiff informed defendant that because she had to leave town for her wedding, she
19 II would formally withdraw her offer if she did not hear back from defendant soon. (Exh.4).
20 II She urged defendant to respond promptly because she would "find it impractical to continue
21 II negotiations and/or meet the terms set forth in the C.A.R. Purchase Agreement, dated
22 II September 4,2004, beyond this date" if defendant delayed any longer. Od.).
23 II Again, defendant did not immediately respond but waited until September 15, at
2411//:34 p.m. to accept plaintiffs second counter-offer. (Id. at -: 5; Exh. 5). Because defendant
25 II faxed his acceptance late in the evening, plaintiff did not actually receive it until the next
26 morning, as she \vas preparing to leave for her wedding. (Id. at ~ 6). That morning, before
27 leaving for the airport, plaintiff faxed defendant an addendum to the Purchase Agreement
28 II changing the acceptance date to September 23. (Id. at -: 6; Exh. 6). Plaintiff informed
494 / 745 \\ 02- \\EST 1f{E\l J .j1)0355%51

-4
OPPOSITIO;-'; TO \10TIO;-'; TO EXPl!!\GE
Court File: "Volume IV Continued" LIS PENDEVS
defendant that if the date was not changed
'
"I will not be able to meet the tClms of the
2 II Purchase Agreement." (Exh.6). She also asked defendant to scnd the Escrow Instmctions,
3 II the signed Purchasc Agreement and the Preliminary Title Report (the "Escro\v Package") to
4 II her house. (Id.). \Vhile driving to the airport, plaintiff called Libow to follow-up on her fax
5 II asking for the date of acceptance to be changed to Septcmber 23. (Samaan Dec!. ~ 6;
6 II Exh. 7). Libow told plaintiff that there is no need to sign the Addcndum and that defendant
711 \vould give plaintiff additional time ifneeded. (Samaan Decl., C; 6). On September 16, upon
8 II arriving in Hawaii, plaintiff initialed her second counter-offer and faxed it back to
9 [I defendant. (ld.; Exh. 8). The deadline for close of escrow was November I, 2004.
10 II (Samaan Decl. ~ 6).

11
1211 c. Despite Repeated Requests by Plaintiff and Her Broker, Defendant Repeatedly
13 Delays in Providing Plaintiff With the Necessary Documents
14 Plaintiff and her new husband returned from Hawaii on the evening of September 23.
15 [I (Samaan Decl., ~ 7). Prior to leaving for her wedding, plaintiff had asked defendant to send
16 II the Escrow Package to her house. (ld.). Defendant failed to do so. (ld.). The morning after
17 II her return, on Friday, September 24, plaintiff immediately began working on the transaction.
18110d.). She ordered a home inspection and submitted the necessary financial documents to
19 II her loan broker, Victor Parks ("Parks") at Pacific Mortgage Consultants for approval. (ld.;
20 II Declaration of Victor Parks ("Parks Decl."). ~ 5). The same day, plaintiff contacted the
21 I[ escrow company, which defendant had selected, Mara Escrow Company ("Mara Escrow")
22 II and requested the Escro\v Package. (Samaan Decl., ~l 7). Mara Escrow responded that it
23 II could not deliver the Escrow Package because defendant had not yet provided Mara Escrow
24 [I with the signed Purchase Agreement. (ld.).
25 II After the weekend, on Monday September 27, plaintiffs loan broker, Parks, began
26 II processing her loan and ordered an appraisal of the Property. (Parks Dec!.. t; 6). The next
27/1 day, Parks informed Libow that plaintiffs loan \vas in process. (ld.). On Wednesday,
2811 September 29, Parks called :Mara Escrow and again asked that they send him the
-'l
495 / 745 \\li2-Wl:;1 I RF\11 ..l(10355'J65.1 OPPOSITION TO \:10TIO:"i TO EXPLJ:"GE
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Preliminary Title RepOli and the signed Purchase Agreement. (Id. at t"' 7). Parks told Mara
2 II Escrow that any delay by the seller in delivering the Preliminary Title Report and the signed
3 /I Purchase Agreement would delay the approval of the loan. Od.). Mara Escrow responded
4 II that they were waiting for documents from Libow. ([d.). Later on the same day, plaintiff
5 II herself contacted Mara Escrow and pleaded that they send her the Escrow Package.
611 (Samaan Dec!., ~ 9). Mara Escrow again responded that they were waiting for documents
7 II from Libow. (Id.).

8 II Meanwhile, plaintiff proceeded on schedule \vith her obligations under the parties'
9 II agreement and completed her home inspection on September 30. (Id. at ~ 10). The next day
10 II Parks again contacted Mara Escrow and asked that they rush the Escrow Package to him.
11 II (Parks Decl., ~ 8). Parks did not receive a response to his request and notified plaintiff that
12 II he still had not received the Escrow Package. (ld.). Again, plaintiff continued on schedule
13 II and completed her appraisal of the Property on Saturday, October 2. (Samaan DecL ~ 10 ).
14 II The following Monday, October 4, Libow and plaintiff met at the property to review the
15 II Home Inspection Report and sign the Transfer Disclosure Documents. (Id.). Later that day,
16 II Libow faxed the Buyer's Reports/Disclosure and Buyer's Investigation Contingency

17 II Removal to plaintiff. (ld.). Plaintiff signed and faxed the document back to Libow within
18 II minutes of receiving it. (Id., ~ 10; Exh. 9).
19 II The next day, on Tuesday, October 5, Parks again contacted Mara Escrow and asked
20 II for the Escrow Package. (Parks Decl., ~ 9). Parks told Mara Escrow that he was ready to
21 II submit the loan for approval but needed the Preliminary Title Report and the fully signed
22 II Purchase Agreement before he could do so. (Id.). Later that day, Mara Escrow left a
23 II voicemail for Parks informing him that they needed more time to send the Escrow Package
24 II to Parks because defendant had not yet delivered the escrow instructions to Mara Escrow.
25 II (Id.). \lara Escrow told Parks, "[Y]ou're a little premature ... [c]ould you call us back in a
26 few days ... and then \ve can send you what you need." (Id. at ~ 9; Exh. 22). Parks then
27 sent an e-mail to Libow telling him "we'll be ready to submit for loan approval tomorrow
28 II \vhen the appraisal is in. Unfortunately, we called escrow to follow-up on our request for
496 / 745
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WI)2-\\TS r 1 Rl\11 '+111)3)''J(,)1 OPPOSITI00: TO \10TIO,\ TO EXPL~GE
Court File: "Volume IV Continued" US PE,VDENS
instructions and prelim[inary Title Report] made on 9/27 and they're saying we may not get
2 II everything until next week. .. As you're aware, we need these items to submit for final
3 II loan approvaL" (Parks DecL ~ 9; Exh. 23). Libow did not respond to Park's e-mail. (Parks
411 Dec!" .- 9). On the same day, Mara Escrow sent plaintiff a document listing the applicable
5 II time frames based on the parties' agreement to extend deadlines.

()
711 D. Defendant Finallv Sends Some, But Not All, of the Necessarv Documents to
8 Plaintiff and Parks
l) On Wednesday, October 6, plaintiff, at Parks' urging, contacted Mara Escrow and
10 II Libow and again asked them to send the Escrow Package. (Samaan Decl., ~ll). Finally, on
11 II Wednesday, October 6, after the close of business, at 5:38 p.m., Mara Escrow sent some, but
12 II not all, of the necessary documents to plaintiff and her loan broker, Parks. (ld.; Parks Decl.,
13 II ~\ 10). Specifically, Mara Escrow delivered the Escrow Instructions and the Preliminary
1411 Title Report to plaintiff and Parks. (Samaan Dec!., ~11; Parks Decl.. '110). Mara Escrow
15 II did not, however, deliver the fully-signed Purchase Agreement. (Samaan Dec!.. ~ I L Parks
16 II Decl., ~! 10). Because Mara Escrow sent the document after the close of business, plaintiffs
17 broker did not receive the documents until the next day, Thursday, October 7. (Samaan
18 Decl., '111; Parks Decl., ~ 10). One day later, Parks notified Libow that he was submitting
19 II the loan to the lender for approval but that the lender would not receive it until October 12,
20 II because Monday October 11 was a holiday. (Parks Dec!., ~ 10). The following week, on
21 II Friday, October 15, Parks learned that the lender was suspending a decision on the loan
22 because defendant had not yet provided Parks with a signed Purchase Agreement. (Parks
23 Dec!.. 'j 11). Parks immediately contacted Mara Escrow and urged them to send him the
24 II signed Purchase Agreement. (ld.). Mara Escrow told Parks that they had not yet received
25 the signed Purchase Agreement from defendant. Od.). The following Monday, October 18,
26 Mara Escrow sent Parks some additional documents, but still not the fully-signed Purchase
27 Agreement. ([d.). Not having received the signed Purchase Agreement, Parks pleaded with
8 II the lender Countrywide to conditionally approve the loan. (lct.).
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E. The Lender Approves the Loan and Plaintiff Removes the Contingencies Before
2 Defendant Cancels Escrow
3 On \;10nday October 18, at Parks' urging, Countrywide conditionally approved the
41110an. (Parks Decl .. ~ 12). Parks informed Libow of this fact and told him that the loan is
5 II conditioned on the appraisal review due by the end of the week, October 22, and the lender
() II receiving the signed Purchase Agreement. (ld.). On the same day, Libow faxed plaintiff a
7 II Notice to Perform and remove Loan & Appraisal Contingencies. (Samaan Dec! .. ~ 12). On
8 II Wednesday, October 20, plaintiff removed the Loan and Preliminary Title Contingencies
9 II and wrote a letter to Libow explaining that as the loan's approval was conditioned on the
10 II appraisal review, she could not remove the appraisal contingency yet. (Samaan Deel., ~ 12;
11 II Exhs. 11, 12).
12 II On Thursday, October 21, Parks contacted Mara Escrow and informed them that he
13 II was ready to order all the loan documents, but could not do so until he received the signed
1411 Purchase Agreement. (Parks DecL ~ 13). On the same day defendant himsclfwrote a letter
15 II to plaintiff telling her that if she did not remove the Appraisal Contingency he would cancel
16 II escrow. (Samaan Decl., ~ 13). Later that day, Libow wrote to plaintiff confirming that
17 II defendant had agreed to extend the deadlines in the parties' agreement and asked for a
1811 closing to be extended from 'Jovember 1 to November 12 to enable defendant to find an
19 II apartment. (Id.; Exh. 13). The next day, Samaan informed Libow that an extension of
20 II closing would be acceptable to her. (Samaan Decl., ~ 13). On Friday, October 22, Mara
21 II Escrow sent Parks a Purchase Agreement and Parks immediately sent it to the lender
22 II Countryv, ide. (Parks Decl., ~! 14, Exh. 24; Hershowitz Dec!.. ~ 3; Exh. A). Parks also
23 II called Libow to provide him with an update. (ld.). Later that day, Libow e-mailed Parks
2411 (copying plaintiff), raising the possibility of a two-week extension of close of escrow to
25 II enable defendant to find an apartment. (ld. at ~ 14). The following Monday, October 25,
Parks received the lender appraisal approval and immediately e-mailed Libow informing
him of the same. (Id. at ~ 15; Exh. 25). Upon learning of this fact, plaintiff immediately
called Libow and told him she was removing the Appraisal Contingency. (Samaan Decl.,
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-: 14; Exh. 7). At 5:22 p.m. on the same day, plaintiff t:1xed final contingency removal to
211 Mara EsoO\\. (Samaan Decl .. ~ 14; Exh. 14). At 5:24 p.m., after receiving plaintiffs
3 II removal of all contingencies, Mara Escrow faxed plaintiff the defendant's Cance1Jation of
4 II Escrow. (Samaan Dec! .. ~ 14; Exh. 15). In the same document, defendant wrote that he
5 II \vould keep plaintiffs 530,000 deposit as liquidated damages. (Samaan Dccl., ,; 14; Exh.
611 15 ).
8 III. ARGUlVIENT
10 II A. Defendant's Motion Consists of Untenable Conspiracy Theories, Unsupported

11 Accusations, Half-Truths, and Outright Lies
12
13 1. Defendant's claim that plaintiff conspired to defraud him is absurd

1411 Defendant claims that plaintiff participated in some sort of broad conspiracy to
15 II misrepresent her financial ability to purchase the property from him. However, he offers no
16 II evidence, other than his own self-serving speCUlation, in support of this claim. Moreover, it
17 II is entirely unclear how this alleged conspiracy was to have played out - had defendant
18 II followed through on the transaction, plainti ff would have had to come up with the purchase
19 II price at some point.
20
21 2. Defendant's "adulteration" claim lacks any basis.
22 Defendant claims that plaintiff submitted an "adulterated" version of the purchase
23 agreement in connection with her opposition to his first motion to expunge. (Plaintiffs
24 II :Vlotion, pp. 9:22-1 I :9). However, he offers no credible evidence indicating that this is so,
25 II such as an "unadulterated" version of the purchase agreement. Moreover, a disinterested
26 witness has testified that the purchase agreement plaintiff submitted is authentic and valid.
27 (Hershowitz Decl., f(: 2-3; Exh. A.
28
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Defendant also claims that plaintiff could not have obtained a loan to purchase the
2 II property. In support of his claim, he cites an incredibly dense document produced by
3 II Countrywide Home Loans, Inc. ("Countrywide") in discovery. (Plaintiffs \Iotion, Exh. 1).
4 II However, the document does not actually say that plaintiff did not qualify for a loan (ld.).
5 II Moreover, a disinterested witness (a branch manager at Country\vide) has testified that
6 II plaintiff would have qualified for a loan had defendant followed through on the transaction.
711 (Declaration afMaria McLaurin ("McLaurin DecL")' 2-5, Exh. A).
9 3. The Notice of Lis Pendens was served on defendant by certified mail.

10 II Defendant claims that the notice of lis pendens was not served on him by certified
11 II mail. This claim is simply untrue. Plaintiff served her notice of lis pendens on defendant by
1211 certified mail. (Declaration of Jay Stein, ~'l2-3, Exhs. A-B).
13
14 B. Defendant Prevented Plaintiff from Performing Her Obligations.
15 Defendant claims again that plaintiff was required to remove the Appraisal
16 II Contingency by October 11, 2004, but did not do so, entitling defendant to cancel escrow.
17 II Defendant is wrong. Plaintiffs inability to remove the Appraisal Contingency by
18 II October 11, 2004, was caused by defendant's own delay and failure to provide plaintiff and
19/1 her lender with documents plaintiff needed to remove the Appraisal Contingency.
20
21 1. Defendant's repeated delays were the Dilly cause of plaintiffs inability to
22 II remove the Appraisal Contingency by October 11,2004.
23 II Civil Code § 1511 provides that prevention by one party will excuse want of
24 II performance or delay on the part of the other. This provision has been applied to real
25 /I property transactions: "The party responsible for the delayed performance cannot cancel the
26 II escrow because of the tardy performance." Miller & Starr, California Real Estate, Escrows
27 II ~ 6:20 (3rd Ed. 2(00); Ninety Nine Investments, Ltd. v. Overseas Courier Service,
28 11113 Cal. App. 4th 1118, 1134 (2003); Rubin v. Fuchs, 1 Cal. 3d 50 (1969) (affirming award
500 / 745
-LQ
W()2- IVEST J Rf-.\'II .jilu 15"905 I OPPOSITIO:"; TO \lOTIO"" TO FXPl0JGE
Court File: "Volume IV Continued" US PENDENS
II/of specific performance and holding "thc sellcrs \VCIT not entitled to unilaterally rescind the
211 contract" because they was responsible for buyer's delay).

3
4 a. Defendant defen'ed in performing eve,}' one 0[1Iis ohligations under the
5 II Purchase Agreement.
6 II Defendant failed to timely perform every single one of his obligations under the
7 II Purchase Agreement and his repeated delays were the sole cause of plaintiffs inability to
8 II \vaive the Appraisal Contingency by October II. The following chart indicates the dates
9 II defendant was supposed to fulfill his obligations and when he finally did:
10
I--
11 Defendant's obligations IDefendant's deadline (RN, Date defendant finally
Exh. 1 at Exh. 5) performed
121 1 1
---
Provide Signed Purchase I 09/27/04 After 10/22/04
13 III Agreement including Joint
Escrow lnstmctions(288)
14 f-
Wood Destroying Pest (4A) 1% 1/04 10104/04
15 II Lead-Based Paint Hazard (SA) 10/01104 10/04/04
16 I Natural and Environmental 1010 1/04 10104/04
Hazards (58)
17 111 Condominium/Planned Unit 10101104 10104/04
Development Disclosure (6A)
18111+-1~~
Known Material Facts 10/01/04 10/04/04
19 III Disclosure (7 B)
20 III rr~~ife Preliminary Title Report 1 10/ 0 1/04 I 10106/04
I
21
22 II Defendant failed to perform his obligations by the dcadlincs, delaying plaintiffs
23 II procurement of a loan approval and removal of the Appraisal Contingency.
24
25 b. De{endant's delavs preventedJ2lg.intitlfrom removing the Appraisal
26 II Contingencvon October / l.
27 II The most important of the documents defendant delayed in providing to Samaan was
28 II the fully executed Purchase Agreement (which included the Residential Purchase
501 / 745 W02·WEST I R!::\lJ -!o03559h5 I

-u- OPPOSITION TO :VIono:\, TO EXPLJ:-'·GE
Court File: "Volume IV Continued" LIS PENDENS
Agreement and Joint Escrow Instnlctions). Defendant \vas required to deliver the fully
2 II executed Purchase Agreement, signed by him on page 8 of 8 and initialed by him on every
3 II page, to the parties' escrow agent on or before September 27, 2004. (Request for Judicial
4 II Notice, Exh. I, Exh. 5). On September 22, 2004, Libow provided the escrow company with
5 II a copy of the Purchase Agreement, but this copy was not initialed on every page by
6 II defendant and was not signed on page 8 of 8. (Hershowitz Decl .. ~i 2). Defendant himself
7 II has admitted that he did not sign and initial every page of the Purchase Agreement until
8 II "sometime in October 2004". (Request for Judicial Notice, at Exh. 2, p. 10, ~ 4). In late
9 " September and October Samaan, her broker Parks and Mara Escrow repeatedly asked Libow
10 II to ask defendant to go to Mara and sign and initial every page of the Purchase Agreement.
11 II (Samaan Decl., ~~ 5-11);(Parks Decl., 4-13). Libow and defendant ignored these requests.
12 II For example, at Libow's deposition he was asked, "Do you ... recall asking Mr. Zemik to
13 II go to escrow to sign a document?" Libow answered "No, no, no." (Keshavarzi Decl.,
1411 Exh. C. p. 131).
15 II The undisputed facts show that defendant did not go to Mara Eserow to fully execute
16 II the Purchase Agreement until either after 3:42 p.m. on October 22, 2004, one Court day
17 II before he attempted to cancel escrow. (Hershowitz Decl., ~~ 2-5, Exh. A);(Parks Decl.,
18 II Exh. A). On October 22, Victor Parks contacted the parties' escrow officer, Gail
19 II Hershowitz and asked her to send him a copy of the Purchase Agreement signed and
20 II initialed by defendant, so he could forward it to Samaan's lender, Countrywide. (Parks
21 II Dec!., «: 14)(Hershowitz Decl., '13). At 3:42 p.m. on October 22, Hershowitz sent to Parks
22 by bcsimile a copy of the Purchase Agreement in escrow. (Parks Decl., ~ 14,
23 Exh. 24 )(Hershmvitz Decl .. -: 3, Exh. A). This document is not initialed on every page by
24 dcfendant and is not signed on page 8 of 8 by him and shmvs that as of 3:42 p.m.
25 II Octobcr 22, 2004, defendant had not yet satisfied his obligation of delivering a fully
26 II executed Purchase Agreement to escrow and Samaan. (14:).2
27
2
Defendant cannot escape liability by blaming his agent Libow. As a principaL
28 defendant is bound by the acts and representations of his agent. Cal. Civ. Code
502 / 745 W{j2-Wf-S f I Rt\ll .jrHJ35:'lJ65I

::l2.=
OPPOSITIO\l TO \1OTIO"\' TO EXPC\lGE
LIS PENDE,VS
The recent case of Ninety Nine Investments, Ltd. v. Overseas Courier Service.
2 11113 Cal. App. ·Hh 1118 (2003) is on point. There, the parties entered into a written
3 II agreement for the buyer to purchase the seller's undivided one-half interest in two
4 II properties. Id. at 1118-20. Escrow instmctions specified a closing date and that time was of
5 II the essence. ld. The seller did not deposit the escrow documents into escrow until three
6 II days before the closing date. [d. He also did not submit other documents required to be
7 II provided to escrow until the date of closing. Id. Meanwhile, the buyer had submitted a loan
8 II application to a bank in order to obtain financing for the purchase of the buildings and had
9 II done nothing to prevent the loan from funding on the closing date. Id. Because the seller
10 II had not provided the necessary documents, the loans did not fund and the escrows did not
11 II close. Id. Subsequently, the seller gave written notice of cancellation of the escrows. The
12 II trial court denied specific performance and the court of appeal reversed. On appeal seller
13 II argued, as defendant does here, that it had the right to cancel escrow because under the
1411 escrow instmctions the buyer was supposed to procure funding by the close of escrow but
15 II did not. The court of appeal rejected this argument: "Overseas' [the seller] failure to timely
16 II comply with its escrow obligations prevented the escrows from closing and the loans from
17 II funding by the closing date when they otherwise would have. Overseas' conduct therefore
18 II operated to excuse appellant's [the buyer] performance by the closing date." 1d. at 1135-36.
19 II Here, just as in Ninety Nine Investment, defendant's delivery of the Preliminary Title
20 II Report and signed Purchase Agreement were necessary to enable plaintiff to procure a loan
21 II and remove the Appraisal Contingency. (Parks, Decl. -;fJ 3, 16). Plaintiff was ready, willing
22 II and prepared to perform and remove the Appraisal Contingency.
23
24
25
26
~ 2333. Moreover, 'lin any third-party claim against the principaL both principal and
27 agent are deemed to have notice of vvhatcver either has notice of which either should
.~.ru communicate to the other." Miller & Starr, California Real Estate, Agency § 3:50
28 (3 Ed. 2007)(citing Cal. Civ. Code § 2332).
503 / 745
-13
\\f!2-\V\:ST 1RL\11 -+1)1)355')6" 1 OPPOSITIO-'; TO "'lOTION TO EXPU\JCJE
Court File: "Volume IV Continued" US PENDEAS
2. Defendant waived the time provisions in the contract because he delayed in
2 performing his obligations.
3 II California law provides that "even though the [escrow] instructions reqUIre
4 II pcrformance by a specific date, delay in performance may constitute a waiver of such a
5 II provision." Miller & Starr, California Real Estate, Escrows ~ 6:21 (3rd Ed. 20(0). "A party
6 II \vaivcs performance within the time specified in the [escrow] instructions ... if it permits
7 II the time to elapse without objection and without insisting on timely performance." ld. at
8 II ~ 6:22. Here, as an initial matter, time was not of the essence in the Purchase Agreement.
9 II To the contrary, during the life of the transaction, defendant delayed, asked for extensions
I I) II and failed to rigidly enforce any deadlines. For example, defendant's delays prevented
11 II plaintiff from removing the Loan Contingency until October 18, after the deadline for her to
12 II do so, but defendant never complained. Defendant also agreed to numerous extensions of
13 II deadlines. Defendant's pattern of delay, requests for extensions and failures to insist on
14 II strict compliance with time prOVIStonS, constitute a waiver of the proVISion requmng
15 II plaintiff to remove the Appraisal Contingency by October 11. Tancredi v. Garrett,
16 11210 Cal. App. 2d 818, 823 (1962) (holding that defendant waived the time provision in the
17 II escrow agreement because "he collaborated in the continuance of plaintiffs efforts to meet
18 It the contingencies, but had frequently waived time rigidity in the culmination of the sale).
19 II Amazingly, even with all of defendant's delays, because of the diligence of plaintiff
20 II and her broker, escrow would still have closed on November 1, the date the parties had
21 II initially set for close of escrow. (Samaan Decl., ~ 14). Defendant cancelled escrow on
22 II Octobcr 25, one jid! l-veek before the date for close of escrow. When defendant cancelled,
2311 plaintilThad already ordered her loan documents. (Parks Dec!., «; 16).3
24
25
26
27
Plaintiff will also prevail because she can prove all other elements of a cause of
28 action for specific performance. (Samaan Decl., -: 16).
-14
504 / 745 \H)2- WEST 1RO.ll --l(JO]S"C)t\5 I OPPOSITIO\i TO \;IOTIO\: TO EXPL~GE
Court File: "Volume IV Continued" LIS PEVDENS
3. Samaan removed the appraisal contingency before defendant cancelled
2 escrow.
3 II Defendant's motion should also be denied because plaintiff removed the Appraisal
4 II Contingency before defendant cancelled escrow. Thc actual Cancellation Instmction was
5 II not scnt until October 25, 2004, at 5:23 p.m. (as evidenced by the fax line on the top of the
6 II page) (Samaan Dec!.. (j 14; Exh. 15). However, when Mara Escrow sent this fax plaintiff
7 II had already removed the Appraisal Contingency. (Samaan Decl.. ~ 14; Exh. 7);( Parks
8 II Dec!.. c: 15; Exh. 25).
9
10 II C.
If Defendant Sells the Property, Plaintiff Will Be Left with No Effective Remedy
11 Here, monetary damages will be inadequate. Civil Code § 3387 provides that "it is
12 II presumed that the breach of an agreement to transfer real property can not be adequately
13 II relieved by pecuniary compensation. In the case ofa single-family dwelling which the party
14 II seeking performance intends to occupy. this presumption is conclusive." (Emphasis added).

15 II Plaintiff, her husband and their three children intend to live in the house. (Samaan Decl.,
1611'[ 16).
17
18 IV. CONCLUSION
19
20 II For all the reasons stated above, Samaan respectfully requests that the Court deny
21 II defendant's motion.
22
23 Datcd: July 10, 2007
24 SHEPPARD, ~UL[JN, RICHTER & HAMPTON LLP
25
26 By
27
Attorneys for Plainti ff
28 ~IVIE SA\1AA:.I
505 / 745
II
IV02-\\TS r I RL\11 .10035"9(," I
-15
OPPOSITIO\l TO \10TIO\l TO EXPC0:GE
Court File: "Volume IV Continued" US PE:VDE,VS
DECLARATION OF NIVIE SAMAAN
211 I, Nivie Samaan, statc and dcclare as follows:
3
411 1. I am a licensed real estate agent and the plaintiff in this action entitled
5 II Samaan v. Zemik, Case No. SC 087400. I have personal knowledge of the facts set forth
6 II herein, which are kno\vn by me to be true and correct, and if called as a witncss, I could
711 and would competently testify thereto.

8
9 II 2. In March 2004, I became engaged to my husband lae Arre Lloyd and
10 II we began searching for a home to purchase in Beverly Hills in anticipation of our wedding
11 lion September 18, 2004, in Hawaii. At the time lae Arre Lloyd and his three daughters
12 II lived together in Lloyd's two-bedroom apartment on Peck Drive in Beverly Hills but I did
13 II not live with them. Our search for a home was limited and driven by two main factors: (1)
14 [lour budget was approximately $1.7 million, and (2) because our children were enrolled in
15 II high school and middle school in Beverly Hills, our new home had to be located in the
16 II Beverly Hills area so that our children could remain in the same schools. Even within
17 II Beverly Hills, our search was limited to a ten block radius from Lloyd's apartment. There
18 II are three middle schools in Beverly Hills and two of our three daughters were enrolled in
1911 one of them, the EI Rodeo Middle School on Whittier Drive (currently one of our
20 II daughters is still enrolled at EI Rodeo). In order for our daughters to continue to attend EI
21 II Rodeo we have to live in the school's coverage area w'hich includes an approximately ten
22 II block radius around Lloyd's apartment on Peck Drive. Keeping our daughters in the same
23 II school was very important to us. Lloyd's daughters had lived with their mother (Lloyd's
24 II formcr \vi fe) until February 2004. Between 1999 and 2004 Lloyd's daughter had moved
25 II five differcnt times and had changes schools a [cv,: timcs. It was very important to us to
26 II provide them with stability. Eventually, in August 2004, I moved into Lloyd's t\\/O
2711 bedroom apartment hoping that soon our entire family would move to a new house.
28
506 / 745 -1

W()2- \HcS J 1\1 \1 K J -111113227<)51
Court File: "Volume IV Continued" DECLARATIOl\ OF "IVIE S.~'vIAAN
1 II Currently me, Lloyd and our three children all live in the same two-bedroom apartment on
2 II Peck Drive.
3
411 3. In the hot real estate market of2004, we found it ncar to impossible to
5 1/ find a house in Beverly Hills within our budget. Between March and September 2004, we
6 II placed several otTers on various homes, but none were accepted. Eventually, in early
7 II September 2004, approximately two weeks before our wedding date, we found the
8 II property that is the subject the present dispute, located at 320 South Peck Drive, Beverly
9 II Hills, California 90212 (the "Property"), just up the street from our house. I am informed
10 II and believe that the Property was, and is, owned by defendant Joseph Zernik. His agent in
11 II the transaction was Michael Libow of Coldwell Banker.
12
1311 4. On September 4,2006, I presented an offer to Purchase the Property
1411 via facsimile to Libow. Attached hereto as Exhibit 1 is a true and correct copy of this
15 II offer. Six days later. on September 10,2004, defendant, through his agent presented me
16 II with a counteroffer. Attached hereto as Exhibit 2 is a true and correct copy of defendant's
17 1/ counter-offer. At the same time, Libow informed me that defendant had received multiple
18 II offers on the Property. The next day, on September 11, 2004, I accepted all of the terms of
19 II defendant's counter-offer with the exception of one item and faxed my second counter
20 [I offer to defendant. Attached hereto as Exhibit 3 is a true and correct copy of my second
21 II counter-offer to defendant.
22
23/1 5. r did not immediately hear back from Libow or defendant. I waited
24 II until September 13, 2004, and not having heard from defendant wrote again to Libow
25 II urging a response to my second counter-offer. Attached hereto as Exhibit 4 is a true and

2611 correct copy of my memo to Libow, dated September 13,2004. Neither Libow nor
27 II defendant immediately responded. Eventually, on September 15, at 11 :34 p.m. r received

28 II defendant's acceptance of my second counter-offer. Attached hereto as Exhibit 5 is a true
507 / 745 -2

WO~·W[SI 1\1\IKl -l1)1).122~95.1
Court File: "Volume IV Continued" DECLARA.TIO:--.J OF :\IVIE SA\;lAA0I
and COlTCCt copy of the facsimile I received from Libow accepting my second countcr
2 II offer.
3
411 6. Because Libow faxed his acceptance late in the evening, I did not
5 II aChml1y receive it until the next morning, as I was preparing to leave for my wedding.
6 II That morning, September 16,2004, before leaving for the airport, I faxed Libow an
7 II addendum to the Purchase Agreement changing the acceptance date to September 23.
8 II was concerned, and had previously communicated this concern to Libow, that if we did not
9 II move the acceptance date to September 23, I may not be able to comply with the deadlines
10 II in the Purchase Agreement, including the deadlines to remove contingencies. In my fax to
11 II Libow I expressly told him that if the date was not changed "I will not be able to meet the
12 " terms of the Purchase Agreement." Attached hereto as Exhibit 6 is a true and correct copy
13 II of my facsimile to Libow. I also asked Libow to have the Escrow Instructions, the
14 II executed Purchase Agreement and the Preliminary Title Report (the "Escrow Package") to
15 II my house during my absence so that I could begin working on the transaction immediately
16 II upon my return. While driving to the airport to leave for my wedding, I called Libow at
17 118: 18 a.m. to follow-up on my fax asking for the date of acceptance to be changed to
18 II September 23. Attached hereto as Exhibit 7 is a true and correct copy of my phone records
19 II evidencing some of my telephone calls related to this case, including my telephone call to
20 II Libow on September 16. Libow told me that there was no need to sign the Addendum and
21 II assured me that defendant would give me additional time to meet the deadlines in the
22 II Purchase Agreement if needed. On September 16, upon arriving in Hawaii, I initialed the
23 II second counter-offer and faxed it back to Libow Attached hereto as Exhibit 8 is a true and
2411 correct copy of fax to Libow from Hawaii. According to our agreement the deadline for
25/1 close of escrow was November 1, 2004.
26
2711 7. Lloyd and I returned from Hawaii on September 23. Even though I
28 1/ had asked Libow to deliver the Escrow Package to my house during my absence, he had
508 / 745
\\()~-WFS r 1\1\IKl .jOI)32~~l)5 1
----=.l
Court File: "Volume IV Continued" DECLARA no", OF '\i[VIE SAMAAN I
not done so. \Vhen we rehimed we had a voicemail from libow informing' me that he
2 II needed the deposit check of S15,000 delivered to escrow the next day. The next morning,
3 lion Friday, September 24, I immediately began working on the transaction. I delivered a
4 II check for S15,000 to Michael Libow's assistant for dehvery to escrow as requested by
5 II Libov,:. On the same day I ordered a home inspection and submitted the necessary
6 II financial documents to my loan broker, Victor Parks at Pacific ~ortgage Consultants for
7 II approval. The same day, I contacted the escrow company, which defendant had selected,
8 II Mara Escrow Company ("Mara Escrow") and requested the Escrow Package. Mara
9 II Escrow responded that it could not deliver the Escrow Package because defendant had not
10 II yet provided Mara Escrow with the executed Purchase Agreement.
11
12 8. On October 4, I delivered a cashier's check to the escrow company.
13
14 9. On Tuesday September 29, I learned from my broker Parks that he
15 II still had not received the Escrow Package from defendant or Libow. I contacted Mara
16 II Escrow and pleaded that they send me the Escrow Package. Mara Escrow responded that
17 II they were waiting for some documents from Libow.
18
19 10. Meanwhile, I proceeded on schedule with my obligations under the
20 II parties' agreement and completed my home inspection on Wednesday, September 30.

21 II also completed my appraisal of the Property on Saturday, October 2. The following
22 Monday, October 4, I met Libow at the Property to review the Home Inspection Report
23 and sign the Transfer Disclosure Documents. Later that day, libow faxed me the Buyer's
24 Reports, Disclosure and Buyer's Investigation Contingency Removal. I signed and faxed
25 /I the document back to Libow within minutes of receiving it. Attached hereto as Exhibit 9
26 II is a tme and correct copy of my fax to Libow removing these contingencies.

27
28
509 / 745
-lI)0322~<)5
W()2-\\LST l\l\IKi
I ~ DEC LARA nOl\; OF l\IVIE SA\'!AAN
11. On \Vednesday, October 6, Parks contacted me and told me that he
2 II still had not received the EscrO\v Package from the defendant. At his urging, I called Mara
3 II Escrow and Libow and again asked them to send the Escrow Package. Finally, on
411 Wednesday, October 6, after the close of business, at 5:38 p.m., Mara Escrmv sent to me
5 II and Parks some, but not all, of the necessary documents. Specifically, Mara Escrow
6 II delivered the Escrow Instructions and the Preliminary Title Report but not the fully
7 II executed Purchase Agreement because Mara Escrow sent the document after the close of
8 II business, Parks did not receive the documents until the next day, Thursday, October 7. On
9 II Friday, October 8, I delivered a cashier's check in the amount of $15,000 for the deposit to
10 II Mara Escrow. Attached hereto as Exhibit lOis a true and correct copy of my second
II II deposit check. Monday, October 11 was a holiday.
12
1311 12. On Monday, October 18, Libow faxed me a Notice to Perform and
14 II remove Loan & Appraisal Contingencies. On Wednesday, October 20, I removed the
15 II Loan and Preliminary Title Contingencies. Attached hereto as Exhibit 11 is a true and
16 II correct copy of my fax to Libow removing the Loan and Title Contingencies. I also wrote
17 II a letter to Libow explaining that as the loan's approval was conditioned on the appraisal
18 II review, I could not remove the appraisal contingency. Attached hereto as Exhibit 12 is a
19 II true and correct copy of my letter to Libow. Zemik's failure to provide the fully executed
20 II Purchase Agreement was the only reason I could not remove my appraisal contingency,
21 II because I could not remove that contingency until Countrywide had approved the appraisal
2211 of the Property.
23
24/1 13. On Thursday, October 21, I received a letter from defendant himself
25 II telling me that if I did not remove the Appraisal Contingency he would cancel escrow.
26 II Later that day. Libow wrote to me confirming that defendant had agreed to extend the
27 II deadlines in the parties' agreement and asked for a closing to be extended from ~ovember
28 III to November 12 to enable defendant to find an apartment. Attached hereto as Exhibit 13
510 / 745 -5

\\()2·WEST.I\1\1KI ·+110322"95.1 DECLARATIO\: OF :--iIVIE SAMAA::--J
is a tnte and conTet copy of Libow's email. The next day, I informed Libow that an
211 extension of closing \vould be acceptable to me. Exhibit 7.
411 14. On Monday, October 25, I learned from Parks that the lender had
5 II approved the loan and the appraisal. Upon learning of this fact, I immediately called
6 II Libmv at 3:02 p.m. and told him that I was removing the Appraisal Contingency. Exhibit
7 117. At 5:22 p.m. on the same day, I faxed the final contingency removal to Mara Escrow,
8 II removing the appraisal contingency. Attached hereto as Exhibit 14 is a true and correct
9 II copy of my facsimile to Mara Escrow removing all contingencies. At 5:24 p.m., Mara
10 II Escrow faxed me the Seller's Cancellation of Escrow. When defendant attempted to

11 II cancel, Parks had already ordered loan documents and we would have received them in
12 II time to close on November 1, the scheduled date for closing. If defendant had not reneged,
13 II we could and would have closed on November 1. Attached hereto as Exhibit 15, is
1411 Zemik's Notice of Cancellation wherein he attempted to cancel escrow.
15
1611 15. Since making the initial offer to purchase the Property, I have been
17 II ready, willing and able to perform. I have had and continue to have the financial ability to
18 II procure a loan and close escrow. Attached hereto as Exhibit 19 is a true and correct copy
19 II of my bank records showing that I have more that necessary to pay my down-payment for
20 II the purchase of the Property. I have also been pre-approved for purchase money loan by
21 II Metrocities Mortgage for the purchase of the Property.
22
23/1 16. After defendant attempted to cancel escrow we continued looking for
24 II homes but could not find any within our price range in Beverly Hills. Our budget is still
25 II around ~ 1.7 million. Property values have substantialIy increased since 2004, to the point
26 that we are currently priced out of the market in Beverly Hills. Attached hereto as Exhibit
27 16 are true and correct copies of real estate records indicating the homes in our
28 II neighborhood now sell at the 52.2 to 52.5 million range. {fthe Court, grants my Motion
511 / 745 -6

W02-\Hsr 1:-'1\lKI-!0032279:i 1 DEClARA.1'10\: OF :'-i1V1E SA\IAAN
II
\
[,)1 Summan Judgment 1. my hushand :lnd our three chlldren !Dlend to occupy ~20 SPeck
2 'III Dnn:. Be\erly Rlls. Califomi:l 90012.
3
-+ 17 After he attempted to cancd escrow. defend:mt put hls house back on
5 II the market aDd !Iste{) II for sJle but Il1structed his broker to tell me thilt the house IS no
6 II longer for sJJe Attached hereto as Exhl bit 17 is a true and correct copy of plinlout from
7 ~11Y1L<;; date-d ;\ovember 3. 2004. sho\\1ng the Property was std] on the market as of that
81 da[e Attached hereto as Exhibit 18 is 3 true and correct oopy of defend:lnt em:111 to Libo"".
9 I wluch defendant produced dunng discovery,
10
1I I declare under penalty of peljury under the la\\:> of the State of California
12 III th:lt the foregoing

-
is true and coneeL
~
13
lot Executed on Ju(~ LlL. 2007 at ~.Lr t/-IU;J;aJiforrua.
15
4~
II
16
17
Nhie ::Sllmaan
18
]9
20
21
221 1
23
24
.,
..::.)
26
.,~
... l
28
- 1
,\O~-\VEST lM!,fKr,,0031.!i9~1 LE:L.-\RATIClN (IF Nr';:E SAlvlA..-\N
i.:
512 / 745
~.,"" CD-r - ..,
<:a._An Griffin R.cA . ~a~-H'1
To: Michael Libow Fax: 3\ 0.2784934
From: Nivie Samaan Date: September 4. 2004
Re: 320 S. Peck Drive Offer Pages: \2
cc:
o Urgent o For Review o Please Comment o Please Reply OPIeaseRecyclc
Notes:
Hello Michael. This is a purchase for my personal residence. Please call me should you have any
questions. _
Nivie Samaan
Office 310.849.38) 6
Fax 323.843.9378
E-mail: Nsamaanl@aol.com
EXP.!2/T ,
513 / 745
~~1.~/~~:2~~~"A;::': • ) 11
". 27T ..
CAUFORNIA .
=."".., ,l'04 3:~9PM;
PAGE
PAc£ 2
Ba
~
.. (: .l I. J F II PC , I .\ RESIDENTtAL PURCHASE AGREEMENT
A~~ " .. c; 0 ( I .\.\ I 0 ... AND JOINT ESCROW INSTRUCTIONS
... or: Iff. -I.1.·ru!t . FaI u.e Wllt115I"" Fllffllly ","'-"1 ~ -
IC.A.1Il.1lofm .A~ "ev"- '0102)
""Nc1 • ~
0Me S!'Pt. . . . l'..L-z.~ .at _ 1 . . .Uy W 1« . C.I~...

1. 0",1'1;
A. n·nS IS AN Ol'~ FROIiIl ~I .. . ...'lIInlL..
f.:!.:..,1,LlI.L..OSu_ . rsuyV)
! TH! MAL PRO~ERTY TO ei ACQI.IIIlED 15lla=-c _, 310 ~ Pte! Pri..... ~Jy "';1', Q 9CZJ.J
___ . AS,.MQTI "'rc.l N4 ;;28"0.«-;2:: ~ In
..,.,r;y R.i.ll. County r:t Me' Modes . ~ •. i"P..-11'{).

C. 'Tli£ PVR~ASE P~ICi c~erllc ~ ere Hi 17; On SJ,Z !rUQQred SfteDry %'hpq"M
. __ .
.._ . _ 00i<af1 $ ....
l ....~(~.,.li'-O ......
Ql'.Q"'Q'"'QI!-'Ov
_
D. CLOSE Of E.SCROW sn;1I OCClJr on _ Octo.b9c .u, 2004 :a_l ror:J D:lys AA2r 1<c:I:eQta_).
2 FlNol~ TE,qMS: Oblao1'l'n; t"e lea.... below IS I CCIf'ItinO"'l:Y Cll ttl,. AG-nt un~ (l) .~r 2K Of ~ • c:ft«l<eG oeIllW' Of (II) OIIW_
19reeC " .... rt...... Btryer inal ac\ dll'iCnlIy and,n QOOCllatlt II? Ol:Qin Ille deSoG"*eclloena. Otlmir'l"G QIlpOIIt CQMlllll'f"lenl ."" 0-119 I;IOS\S • eDt
~ contingency. Buyer '~rn<!ms !!'Ill ivnCII WI.
tit goad wn... depo • ..., ~ Etc:r- Hollie•.
• 10.OeO.oO
A. INfTlAL OEPOsrr: BlJYer t\aI gwePl • c»oosc ,PI file ,moWl'lI of.
t:l1'W ~,,: SU~"':IMO IIIe o".r (or \l) LJ _ ). tly c.rwo.- c:t-.d<
lor C. _ ) "WOe 10 ~y'llIe ---~ _

-~
..nlCl\ ,.-.al be "aid uI'asnltd ur'lti "'-17III"ClI .nd then dep:l~ ",111m) 11..-..- d.~ Iller ~ c a
10":::_ ).
0 •.no arolle"
Esao.or 1"1010....
.."tn,I'
(0'
0.". Allar A.a:aotal\C8.

trvsr .=ount).
IS. INC/U:ASED DE~: Buyer I!woW tIePOSII Wltn Esc..:... Helder ." .fterttllS8d ~
~r CJ
II' t"e .mounl rtf
_ ._------ 1,336, 00f). 00

C "I~T LOAN IN TM! AMOUNT OF . . . . .. . ... .$
11 l NEW Fnl o.ac 01 Tf'U~1 I" ItoYer elf Ie".;.r. enwrrtllerlflllll\e ~ ...cu",ftO. "ell P1yallle at 1ftPiml.,o"
,n~SI of ! 5 Q0 ">4 fida ra•. or S QQ a

"4 rnitia I ad! us_Ie _ WlI'I • I"\IXItTlUm Inurn! me
of .-.1 ~ OJ.. ~1I1'or allll " 30 r e - ;1l?lOrtlZtd OWf'( 30 yea" BU)ler.MIl
~~ 'can feeSl:lolr'lS nOl \0 ,nceed (n.... It.".,... IIlDly wnellW ",. align_d loin
IS convc-"llOn.l. F~ Or VA I
(l) 0 ~HA ~ VA ;T"-' following Ie"..,.. on,.,.

IllOlY 110 !lie FHA or VA IOen lIWt IS ~.)
SUtr Sll.I D~y % eNeounl PO""" S.Utr ,1'11111 pay otIIer len nat a*'-<llll be PlIl2 by 8vv- r .
:JnO\lQ e.ee~- 5 - - - - 5~ne, s,,*1 pay me ~ "' ...... r ",qured FW~ra (1nQ1ld1ng
:hoa.e to, ..-DOd OHlr'OY'nQ peIIt~ tl(lI 0 " , - _ prrwid.:! lor ,PI th" .-.;raement. not III .. ClHCl
C
S . _ _ _ IA~llloln ~ \ mOly tno"t'"
it ~I~ ,~nce ~ . tuna.rtg
' - 01' cloU\l1lX>5l8 are I/ntulcell )

D. ACOtTIO.... &. FI,.. .. I'IClHG ~RMS: :J Seller flr-.clnp. cC"-ft. ,"arm SF,&,): t:I. MCIClN8ry f.,anonq.
S 161, 000.00
(C •. R ~orm "M Da,a9f~ u,j UIIumcd finlllO"li IC A.~
C PM. PlragraDtl.SJ
'0""
£. eAU'HC£ 01' 1'\J"a,ASI I"t'lIC:I! (~Clf IrtCilldlng _ 01 OllNIIlWlll _ arlO 0CMr doSrn~ cola) III tile '1I"ICIlInl of I 157, 000. 00
10 De d.POS:lf;C WIt:' ~sctOW "tolCIer wIll'Im .~I II.... eo .,.. ..crow
" "U~WA41! PRICE (TOTALI: ...... .S 1,670,000. 00
G. L.OAN ... "PLICATIONS: \MtIIIf1 7 (ew Q i 0.,. "'h' Acat"""CI. 8U)'CW ~_lde SeI.r .. lfhtfrarft lenew or rno~ IDan I"''''
or"""" 'laM; t".at ballC on a re_ of 811\'l1fs WTlllen IIPP-~' anll creell ~ Buyer _ P~Im~ « preepplO¥ell tor IIle NM lotn
I""fled '" 2 a DOlI. =
M Vl!RIFICATION OF DOWN PAnotENT AND CL.OSIHO COSTS: 8.,.,.., (0< BUYS"I lender or INn braker PUrw-nl to 20) 1l\aI~ wiIIl'n
7 lor 0 _ . ) C... AII..- A~. proytde Selie,WfIlIen 'We1'~lCn 0# 8uya(s clOwn llIyment.no ~ Cll_
L.OAN CONT~ENC'l" REIlIOVA\,: (i) WllhJft '\'T (at 0 ) o.y. Aftar ~.liuyer II _ ~ ., PlIllgt:Jpll1•. _ .1'1,"
,~ lOan :.o"I,,,gen;y cor CIlncel !!'I~ A g _ l OR (i'l (it =:-teOledj 0 ma loa:: cont"'.ge:q shell ~ ....., m l!'ff.ct \/filii lt1e lI....,n"'" lOAN II'Il
PunCle<l.
J. "F'PAAJSAL CONT'HG£NCY A/Cl REMOVAL.: Thtt "iIntemenl ~ (~. If cJwc:kIlcl, 0 is NOT) oontll\O'" ~n tlte PIOlle!t1 Il>\Ir~ ac 1\0
Ie.s INn 1'" .DlC1~d pvrcNlN Pnell. If mere 1& 1II 10M! ODnBIIoarq, aI tnt lItM tl'le 10... (tln""1l1nC;y It ... mowd for, It clllICUd. t2I WltNa 17 lor
:"1_. _ I o.y. A_, A.xIllT'nClI 8uytr liIai. n 511KJIed in ~rwr;JIJ)I'I '~(3. "",-!P1f aPllrert.l1 CDf111~ncv Of Clt'CIl!t M Agre~.
It t"-e-e ~ no '0-" CI'lnt"'~ncy. 8~, 1t'.IlL at: _ci..." I~ pa~,.p" '4B(3). relTlO¥l!tw lOP...... ' t;D"'-Ingenc:y
A,... Acc.ep~n~
KeNO LOAN CONTINGENCY (II cntekeCl) Obo'l\&ng In, lOin r'I 1)''*9r'D"1 2C, 2D or elsewnere "" !M ~'1t. NOT I lXlntl~ney r:t tn.
11 IOf J "'11'1" D.
Agreernertt. ,t eu,..' ODeS no1 o~.., ltle ..,.n IIIld ;s I .-&ull""'" does I1Ct llUr~_ \". ~peny. Se~ may be lI<l('Il1eCllll ~I oeooall"
"ther legll ra_o~
L. !:J ALl CASH OFFeA (If cneo.~l: No Iotn _ neeoI'd
pro-rOe Sewr ..,nnen ve"rlC:lllcw> of ~ ilJrtClJ 'n _ tn.a lrlnuc:non
=
purC"'N the ~ny. BUlI'Ir Ill" """',n 7 for 0 I o.y. AIle, A ~ .
:J CLOSWG AHC OCCU~"'NeY:

A. e...,.r Inta"~' ,or!:: aMS not ,.".rtG) tD OC4'Ull~ l~ ~raperty ' I Bull'lrs Pl'rTIIlY "'5ICa"c:..
B. Sell.r-OCCVDiad 0' V'Ut'II: prDpalty: Oceupal'e'f be aetiva~ !I:l s."y.r ~ .".111Q tz AU:J """. 0 en Il'lC a.1t 0100. 01 ~KnlIll';
U 0" . or CJ nc liter t"I.n _ Da".
11.11.... Cloae 01 E.c'...... IC.'" 'l,. ~orm ~M.
Pi pll 2.) ".-anller 01_ aIM!
oc:cuPI"~ dO no\ cc.c... II "'- _ _ &ryoer and Saller a", .clYlMO to. (II ~.r 1I'lID' ~ OO:IJp.nc:" II'Cl (il) oonlUlI-...ttI 1IllIl/'
Il'I3ur.nge Il'I(l legl: aovlSQI'I
.... :="",",;hl . - , " h ~, "'~' 1 'II' I'
J 5: ..:.-,....., ~ •.
BII~rs
......,...1UiC
I ~ ,,,It_ ( ( _
re:"t~wC'tO,.. ", ...... ..", ...

:Y .... ~01'" """KI Of ::I'l8I!ICOO1' ~,,,, 0" a'\1o rw,... seiler', Inlt." ( ,( } __
J
~ "'.,,!. r=JILMI ~GH1'S It"'V""'O. ~ac by ~. =-~
""',•..,. ~ ~".,..e '" ::"'DLIB"U"': j~"'MI C ~ r '~O'oo2flCl: I
::: ...u''''"'...... !IIJ!;nc.,A":'"""" WI'; -."" : ,....
''''jIt-CJ, "£VISED 1010Z I'>"'G~ , OF'I CJollFORNlrI RI!SIO!;"fTlAL. PUIIlCHASE AG"'~~"'J IRP-".C. PAGE 1.oE...•.
AlJC1'l: ljl~,e '."'''1' Phone: 431 0;"781134 ~Ill: (J1 01 Prwpl~ ","g WlNF~ seftw8N
6'O.a.-: G'' .ran

& C,,";n Runonl 1333 WlISbwcod lilvd. . &.. . An!l41ft CA 9002'
514 / 745
_).~/~~(2~~....L5~ • ) .31
310 271 4e~~
,
~'001 3:~OPU;
PAGE as
PAGE 3
ProcefTY AOOiMa. "to" ewe«~.

C. TaNl.-.-e~... ~ · (I) ~ eflall be ~ al
'n wmn; -
irw 1 y'-
(or C _
t" § ca, iM,],l
.1&1'
) ~ PtiDr to Oo-e Of 1!a:7ooo', _
to ... ...-: If ,ou., ",~. to alivw I"ropenr VIle.", In eee_e. ....... _ COf'D'OI eIlIlI ocr.r ... lIII: ..... ~. YO\! ".,.
e.t leagptwr
CIl'_ ....
f 70t'N
be m brwcJ'\ 01 etli& "'O-.-l

OR (Ii) !if d"4(lo~ :: r....." to ~ IrI ~10l"l. he aftllCIlaCl MOencllll'l is 11lCO~ I.., 111.. ~,. (CAR Fo,,", PM.
~1~n3:
OR Oil} (i' a>eckee) C '''''' AgrNnJem Ie ~11t~, s..... ' and Seller ~...."" 1I'ltC. wfllll...~ ~reng oc:aJOIIl'lCy ef tM Pro~
..-r:l'l," !IV tl1'ne soeC'!1l!e :" ~',,~ra~~ 148/1;. If no .-nnen "9'eemIMlt " rl8etlCl_ Ill. !'.~, t!lhef lSuyer ~ Sai", ...., ;lInlll'o (hoi ~"-;ll
,n wr'l>/19
O. I'd ClOse ~ EserO'o" Selle'! ."19ns Ie &"1'" .ny aaSl9naolt _"Willy rvn~ f:lr I\eIN ..e:uoecl ", "'"' U'- _ IJIaI pf'ClY'" .".., . . . . . . . e Coo
!, 6,1 CleM Of e:.cr':)W, un_.

01 Syell _rrllmon e'ooe"l C8""cn ,na wtli net OI .......",e IN asaOflAllt'b 01 any ,,,.IT.nlaS
""""""1S8 Ill"'" ,., wrl11llg, SUe' .ilWl _ _ Ileyl ,/Idiot

ala"", and g.'.ve door 01>&".... ~ Propef\y " I ecl\ODWll",um Of mea.., III , ~ ",.. _ s~Dll/Y.lIln BlIYe'"
_*'" to _ , _ all 100<.,
y be raqufte 10 ~ ,
lIO><e. seQln!y Wy'Il8fo'I,
Oe9~ttO ~ "I()~e" AucCl8bOfl ("HOA' to CIbmi""~IO_OIeHOA~,

.., AUOCA TION OF CO$TS (II c~): Un"" ClCnefWIM sQllOfed here. Itlia Ileta~ 0"'" '*'"""'__
wt>o is 10 pr; to- "'& rll>Dll .ftSl)eCIiOII, lMt
or MMOe _"ltOnI'<l It"01 sPtcrl'.o tlen or IlNWtWne In !I"JII "'C~rne"" N ._,~to'\ a/ who. 10 "'Y 19r II')' wonr ~he,"" Of iO£reted
Oy any ~ydl ~ ",~n lest 0' setv.u ""11 lie Oy ltle mef!\oe -eif'_ V1 N"*irepll 1~.(2),
A. W'OOO oe.5TROYl"'C ~!T /NSPECTIOft:
111 C Buyer CJ s....,
Sha~ p-r '0'
an ",~O<'I ....0 "po~ tOI' \I000O dn1roy;ng pnlI .1ICl alia,...,. ~~onl wfllCll flI\aIl lie preoantCl
by _ " . a ~ ewvaural pes!
etlmrol eo~y Tile "'-po" stlaU COWr troe _ _ 1Il1e 111 lIM mI4II llulldns .1lCl ~ 1tI'II~_ 1II'ld. If
c"'~ed, U ~ac;hed g"agft allCl eatllCllU, D oeYdled Clldla, 0 tile fIlIr:Iwi"ll 0l"II' *uClI.I.. l)/ .....
_ _ _ _ _ _ _ _ _ _ -_ , 'TlIe ~ ~NIlI
'01 IndlHle rool c.o..""Ps I' o'tlpeny is • conOo",..""a" Of l:lCa.cl i" I _ rnw'~ WOCIrv.1QII t'Ie ~ .,.. inClude 01llY .".
. . par~18 'm,rea; ;;ll'<l any IiltClus,ve""M ,,..5 1letn;Ir,,,*rTllll aPld IIIlIll "01 anouC!e c:onvnol'l ar_, un_ otr'iIH'NIN ag_ WIIter teS/S 01
snower PI"~ "'" \leper _81 \ll'llts may not ~ per10rmed ...,rmo~l eonaenl til 1ne owners tilllt'OIll"" IlelcNr IN _ ,
0" (2/ C!ililf CI1CCIl.ICr) Th' att.CileO .clO."dllr.\ (CA Ill, I'orm \flIP'" 'tI9Ird"'8 _ OdII'Oytng _ t ,~::tro" IIlCl .1I11c:atill" r:tf _ '- ~ . ,
,nro lI'l. "'ore-m
Ii. OTlillll IHS...CT1OH5 ANO R£PORT$'
11 I ~ auyer c:i S.IIe' ah,:1 Pay 10 /'I,w JePtiI: Of ~ _Ige dIIpm-' ~ySM_ ~ , * " _
12) C' au,."
Q S.Ue, .h,1l pey to ~IW domft!lC well!. Wl1ldftl, _ . , Pctlltltlly and prOdulllVlfy _ _-:- _
13J C !lu~' :JIl ~ ~hll DaY tor a I\lll\lfllllllaans lCM a ~... ~ ~... by .il#!.Ietol~..llJeLlrtJ.LJ..
lilh[J;ClIU.LRWRW _
(4) ~ 8\l~' C' Sellar srlln oly 10' tlw tQIlOW~ ~ n o,_1t
15) 0Eluye, :: Sele' S"~II pay trY rile tollowlft9 ,_Clten Of' 'eI'OlI _
C. C;OVEANMeN1 "£OUIR5M!NTS AND ft'I!TROF1T:

(1) CJ lIuyer C!I ~1I.' ~nalj pay ie, sm_ . - . - , '...u-.tIon anGI~ _ _ , lie.,
twacna. II '-ClllAC IlV ~, ~r to c-.. Of ER:.tOW, seller
St\a~ DIOVIOe a\lY." _ n sllilemenl or ConIcU.n.. ,n Ic::croan. . ...vI . - Ind illCII UIw unal ea."...
12) Q eu~ til Selle, _ I I 0" 11le COM ct CO"'Poan:re _ II')' 0'lIlef """,",,,", mal'ldl1OlY cave"YT'llnl ~ SUlllG1rOt• .-00111
reClem ~ ~Q\Jlr.cJ " i cCll"Idrt,on of da&'"!l eaa- un"ar '!II' t..w, _
O. Escl'OW ... NO nTL~
(1) [A:l eU~1 :Jll Seller snlll DI., nuow iN ...:.~/"'2Ubi2J!IJ"V~u:~.:llAIM:4ul .../~ZLJ_y,l.l.l
...arL _
Elle,,,,", ",OlClaf &nl/l ~ ~c1 c;J.« Egrp"fa
(2) :J Buye' Oil Sell«r shaU ~y to, _ " ' 1 IrtlI 'nlWflInce polley apectieC '" paragrlQll 12 Qrw;w :1 qe C?""RV/TpG,.. C«l D2tp
Own." , :lIIe pOiICy Ie lie _ .... d by _
(~' ''''~ Il'~ to, any lItl. ',..uranoe DOlCly 'rlSurmg 8l,1yera lendler, un.... cnr._ agre«<l .. -"C/.)
E. O~~" COSTS:
(1) C. Bu"., IX Sell., sna1 PIIY COII/ll'f t,,""'r \ax or tnl".ie, lee • _
(2) :::J Bu~r (X S.I!«. shaM PllY City tI'na'-' ca. «tnlnn,fH ---
(3) 0 e~-ye' C Seller S"IM Oo'1y I"IOA uanRr f«M _
14) 0ElL.vel r
Seto«< .~IU tNt.,
~O.t.~"' Dt'IC*-.or> Ms ~--------------"':"":_:_::':""_:__:==_::=::::~:::
(~l Cauya' [:il 51..' .haIl PlY lIle ::l)$l nollO ' . - d S .!SO gq , of I one-year ~- -1'l'IfIl)' olal',
1$$-' ~y DoE.! t ~.II Rsep lJarQ!DCr/Dqn liz.."
wlln Ihe Igj_ng c:.o>oe'aga
op~"nal _
(ll) Q Swyel 0 S,Ult, illY 10'
~I . ~ _
(71 ~ !l-Jy'" Se _ _ I PFJ tor =--::--::-::-::-==:-::'~~:":"':"=:_=_==:-::_=_:_=:_=7_:_:=_=_:~=:'_:_:_:=:::7=::;;==----.

0
5. STATUTOfn' DISCLOSU~' BHCUlOlNG LaAo-8ASED p ... ,NT K,UAN) tlISCLOSU~E!}... NO C"'~TIOfC ~TS:. ,
A. (') s."r shell _Inin ttIe ttme apcClfJlCl III Plr.lltall~ 1~ o.liller to Buyer, if f8Clllnd tly Law (/J l.aad-8Med ....... CieclOllJra 8nd
D~rTIIl- i~.d o..caLM'_~l: ,tid/II) dISClOlLM" Of' nOliCIII ,etnlr~lllly seeD,,"! 11 o:! It. MO, IPld "(0 .. Mq, of ~ Ca\lfOmla CIVil Coda
'.0.,.
r S~lll'ory C>":~~l SIIMO,," 0c.cl06~ '''dude lKlt _ rlOlI".,.t<l 10, I Rell Esta1ll 'T,..nsfer D1S(;IolWnt SI• .",.... ("TDi"), .......
l'ir,:.'" Oi~re Stanemellt iNi'lO"l. n01>C.1 0' .ewal kIlllWledge C1 "~I&a ot IM;~ ccntn:llled 1IJIlItrIce. notJce of epeclll . . tfId/Or
lIS~t,""nIa lOr rf allo--ea, ""l>StarmaUy eou",.~nt lIOtJee re;atd'rl9 _ Mello-R"o. CO"'munt1:7 Feciltel Act Ind ltrUIotri4'i.ll 80tlCl At:A crt
'9' 5) ~nCl r( Seillt, ~as a::tUII ~n_Wdg«, I" mdUftnll ule 1114 rni~,." ~".nce lQC.ItIotl CliSCbt~ (CAR, FOf'T1 SSe},
,.-· .__., ,-,,-.. -.. ., - ".G:l

. . . .
(2) 8<.J~' .~'L, w,I".' t ... tome s~ In oara9rapn ' .. a(1) ",turn s~ COCles "lIne StlMOIY ancIlNtl D~QIJ~ III Sellltl
'3} I" It'lt ....ent Se"lr pna, Ie CI_ Of dcrcMr, IleOO""'!' 7/011111 of 1 C l _ tlOt'ditlanA
. ,o,ccuraey ,,, CllSClOSu~:. ,roton'nehon Of .."..,.nWI"",. pt'IVlOtnly 0_10«<1 Ia Buyer ~ ..Nd\ !oJyet' ia 0'"-
,...."*l/y
aflecllft9 IN ProPOt't)', 0' .", ".....".1
""'WIre, Selle' II1\II1
~...." ."'~-" .~-,
"...,Io.utw IhIr" nClf be "'Qul,.a lot eot'dlta_ and
·-i~
_"aI ,r\llCCutael.a m.eloaed ... ~ d lMid for Il\r au,r .
CotW"nnl r "Ul·:0:;2 CA~lrO~NI" A~OCIATION 0& "!A~TOIUe IlK: i

6.1"'. In~
eu ...'" ... (
In,,1I. (
•
(
)(
)
)
I =
t_ _
"~A.CA 1tEV1:S~D 10102 (P"'GE 2 ~ I' ' ~- br 0... , _ _..
CALI"'O~"'IA R!SlC!PfTlAL PURCHASE AGqEEMEHT (lil'A-eA "~GE Z 0' 8) '~2JO.zn;
515 / 745
._lalf2!2~.a.~"_~~:~ ) .31
J70 271 4e~ ).e. J;~lPM;
p~
PMiE
es
4/'~
Pf~rt'y.~ ..... ~ ~ P-=t prJ!, "'~.c1T J~l';.1 CA 2"Z1..Z o.·"cPt=b-r f 2"4'

I~) If any Cl&KJ~ 0< not.ea ~ ~1i Of' ~~1Ot or _ _ o~~ Off nOllCll • _ , . , . , ~ ...... .". ",... .. ~ed.
H'I
_we"

r.u.... "'.-e ..,In,"
II\AJI t .... noN to C811Ce! ,,,. ""9~
Qlv"'Il wrOM "O\lCa elf c.l1'lC8U1Jll1I ~ Sot.
J 0.,. "'hIt< m pef"SO". OW, 0.,.,.,. o.I"'ry ~ oepoar ,,1!'Ie mal. by
or ~ler. ~nt. (La., OosClCe""". 1M! ~ Pl\ai ",. . . . Uf'\ ~ ,.,.m o. _ I . )
I~) "",. te Buy.' and setlW: Wahw ot ~'Y e"Cl1.eacl 0 . _...... is INofoibiaeall)'~.

E! ""'TUIVoL"'~ IHV~ON"'ENTA" HAZA,,"OS: 'MII'M m. '"- 1Oe101Iiecl'" ~arag"Pf1 ". SH., atlal. r req.",., by Uw; (II _ _ r:l a"".,.
'~~"t: !i"'ldIPI '"ncl O",~"" ../'C).11O .".."~",,,.u "=-"'s booIdet: Ill) ~ 'lP-np(",," l1le OCllo9*'O" III ~. "HO. ~ It tile
P'lllleny IS IOca1&O '" 3 5~~1 F'loOG HilZ:lf'Cl "'NI: Pot'l!"lial ~lOC4ing ~"', •..a~o,.,,.~ very ~Ig!'! F.. l1aI:al'\. Zcn:: Stall ~' .. ~~~.
AiIP. E.rthQ"'o1~' F ....lt
Zone 5e.smoc ....Urc:l Zone: allCl liil 0laC.... '''y Oll'lal' Z'OIlf • 'e<:uncl Dy LAw ."" PrtlWlOe ..-y c _ ~lo'"*'On
""3"01<l for 1Il0u ~Onell
C. 0.101 ... BASE OISCl.OSlJ~E. ~TlCc.. T"'" callomLll 0e~"1 ot Jucl>c.e.• 1lI""1
OI112~ru. poIioe OI~rtmenllI IC!"'I'ng o! """1CbonI
'00.000 er mono ""0 "'llnv 0frMtr lQ~, ~ cntoramllfll .IItMI1....... 1"Il.. " ft:lr pubic: acoou a O~I tlaM ot 11'11 ~, 01 ~ "eCl......c 10
<99'$W' pUr5l1a,.,. Ie r>1'1I9~P" III 01 '~/l I,l 01 Sea- :290~ cI v.. P.,.l CoOl. TI'le ~ b-. II ~ on. Clua~ ba... atlO.
SOUl'lle ot ,"-~ "DOut ".. pre-.,.... d ~II 1MMClU.1t on .ny ".",hOO!'tIood. n.
~ n t aI JL*a 1110 ..... "'t.nJ • Sa CfIRt-.
roenuf c.anon ~roe thrOUll" whlC" "'0""_ ,DouI
i1COV1 ind"'lClIJlS tn..,. ...
may ba rnel'''_. "*.
ihts II • "900' ~,,"I ~""'IClI ca...... ",.,11 ~ _~ onfllllNlllO~
cneckng. 11l1o......boft P9gardi"ll Mighbomooo• • "O! 1",Mure ""ough ll1lP -toO" '-1I0<'oI .. .....,.
6. CONOOMI"'IU~h~O UNIT ~1.0PMDIi OIlCt.OSUAES,
A. SlLU!R HAS; 1 for L' ) Dey. "'1Ief' Acc.otanat to dt5dO$e 10 allyl' ."._, tt1I ProPM\Y • ,concomm'Dm Dr .. ~ed ~ I
l'I""'.O ~"'; de.... lOO<T'eM' or otM, co".,.,"" , _.. I wCClN..- (CA fit Form SSO).
S. /I me Prope~ " • C01'lO~mr>.",m 1;' 5 rx:a1Jra ,n a o.-nne~ unn Ile_pmer( 01 O1her c:arnmon inr.td .ubd"".jgll. Selic, 1111 ) Cew 0 )
~I ArlIlr AcOlQU"CI ro leQoJQSI frOt!'llrle I10A ICA~ Fo"" "'''''I (1) CQPoet of any ~Ql""" ",qUnG by law: 1M) d!&oaN'" 01 any pending
0' antiCIpate" CSPTI 0' ltlll"tw)r\ b')' or a~ It'f Ho.&.: (~ I ..-me"t conUitlirlg Itle IocMlon '1'Id ~r 01 ~ ~~ :Ina aNQ9I
'Dol OK: I.vl CoclIllS 0' tne moat ..cent 12 montM of I10A rTWIU15 fDr "'oullr II"~ _ I ~ : alld IY) IN . .. . - ana QCrI1IIe:t 1ftfo~1io" of
,11 HO.... go.... rnnlllhe Property ICXl"~1y ·CIOlSCJMulIl1 Sel., aIlIl ilemlZ. ,net e.~ to 8Uyw,.11 CI c..oOSUl'M fleOelWd trIlIl'I tIW HOA
ano a"y C;I O .. dosuru ,,) S.I.·. pClNllSl,on. Bltyc,. ~proY.I 01 CI D~os" ... 1$. c:ormnv-"cy
qf Ill.. Avrwement II .pacifled II'l 14 Pol'''''''
7 CONDITIONS A~'ECTIJofG F'~TY:
A. Unlft5 cme....... Ig..ea. fIl \tie PP'c1M'tlt I~ .... d la) irl Its "R~SENT pn,-sicllli c:<mQ11I.... _ of til. UIII 01 A~ _ ~bI ...aieCl1a
D~. I"v. .l i l l _ rlgl'ltS: (ii) I'" F'rcc»rtlo. IndlJdong pool. 1IlJ. ~_c.lllIIlg ancl lll'0unGS. iI 10 be 1'Illt,-(A,1lICl ,,, su_"MIty !he _
condft/On as "" t~c: OOle 0' Aecellla"CI: .l'lQ (iii••1 "sbri& Inc petSonal P'Coe~ ""1 indl.lcMO i,., t~lP .......... M 1llP'tlO..o by CIOee Of eacrow
B. SEU.~" SHAI.L. ",,1Itt.n h 1_ apeeifiood i" pe..g,.ph 14A. DISCLOSE ~NOWN MA~" 'ACTS AND D~F~Cn ~ _
Pft).,.~. irlc:Il,d1"llllno.... ''''U,,"''CI c;Ia._ WI11I," lhe ~.I n ... y..... AND "'A~ OT1411't DISCl.OSUAE.S R£CUlltEtl IIY LAW lc.AA
Fona S$O).
c. IIIOT! TO 811YER:
.,ne. ~ • ....,. ~
'(Q&j " ' " s ~ actlllslPO Ie condllCI 1""...",,1l0llS of the .ntift ~ irI
eo. .,.,...... Ml detecu llfea;ng \tie ~rvPlft)l or Cltnlr tac:t.owa til. J'OU ~ .._
0'" 'mpo",."t.
10 _mine ItI _ I f l l condtlon
~ Impno"._
rfI'J not be buill accOI'dI"lI to "ode. in compli,nco wlltl ~Ill IN ..... penn_ lsaued. n"
D. NOT! TO SEl..LER· Buyer ~ _ ItOM tD ,n~ ItM ~ end I ~ in ~vraDll ' - ' Do3IMd uooolnftlrlNtlon die~ In
!hoM m.pec:1Io".; (II QO,,~I U'1,. Ag..-..t; cr iii) ~I that,OU ...-. R_ina 0' taQ Ol'- action.
•. ITEMS INC1.lJO~D ""'0 VCClUOED:
A. NOTf TO 811Yl!R AND SELl.fI\; llrmllls~ II ,"CluOId or 1l'l:luoed III !tie ""'LS. ~rs or ,.,.rlIetillQ l'neIoenats an notllldvdIC!,n"'. purdlne
OnlOe or ellClvoe«llrom ",. .... "'''leU
apeelleG In ali 01' c:
e. Il'l:MS 1"ICl.UOiD IN SALE:
(1: All ~XISiING rl%1"'85 Ina frttll1Qll !l'lal af1l .... o;heod to ,,.,. ProoertY;
(2) Ewrsll"'ll II IKtTICS I mWCNlnocal. lIgl11111D. ptvfl\1lIr1O and heat~ ftlQll"". ceiling r'M. ~lIrplaCol \nw~. g.. loll" Ind ~. S~, ,,-.rna
I)",.,.. " Ippb~"C:,S Wlncow ~"d ooor 5oC,..".. a-1"9S .• t1utler1, "..;"oow CQYen"gl. atud'le<l COWOllngl ..........10" arlll:"f\8S.•_~"00'
.or
0...,.. r;1nV8te 1nte9'• • 0 ' __ "one,~
m.q",unCll.nolcapng. tre-e.""ru~.
(31 Thl! _.
IcIDw'"9~"'"
_Ie.
CC_lSIccnclt1lO'lSI'$. poc>V.pa eQu,pm~ ger'P 0001' o~""'J"""'" conuolI. m,ilbol.
1<l1tPner'l. W;ler :lIIrifie~. 'Kur1'1 syc1I-"ila_: ana
• _
(A) ~~ 'eo""" I'

r_ a" ~_ 'tldllCllPCl m me ~IIM ~rlCe. un .... 0 _ _ .~f«l. IN ~ by Selie'.
(~) ..... ,te:ne ,tlQJOICl Irlel 01 tlVflSlernee".. 01 hens,nd 'I'IlttloUl Sellel wa~""Y.
C. ITEMS EXCLUoeo FROM SAL!; _
t. elJYER's IHVESTlGA l10fj OF PROPERTY AND MATTER$ AF'fCTING PROPEftTY:

A. BlIY.'" aCC4'IlUlnc:ol 01 _ c:ondlhOl\ 01 ..,ll ."y
ONr maner 1"~'Ig the ProJ)ef1y. IS 1 eo"II'IQ."ey 01 tillS "9,"mefll liS In II1IS ,pec:""
~Iagr'l:ln ano Pi'Ic:,S'Oh "8 $peCJfled In pOiragrac" 148('). e",~r shllll ~:lwe tile IllIl1t, at ellYtrs u~nse ~n-.s Ol'l.........
Woll'\lf1 t!'le ,.,.
ig'e-ed. to r.onoua ",_etJOtlI. "''''''llsllo''l. te_ .•......". I"" glh.' stu""" rSuyer In-.eug.tIOn.·) lneJueling,l;ul not'omtfecl 110. tte ~N trl·(1)
,"tDeC! fa' Ie.Cl-blMC1 ~"" ~cl CRIIsr lOed~ pain! I'II1Z0roS,. (M) lnSPec\ !Of ..ood ".".oy,ng peltl lWId Oll/'''rsms; liiil re_ lIM rwgilla,ed
se' ofIv/lller :181108": fi\l) conflrm ... ,,,..,,.btlil)' 01 a~ """ .... P,opefty. 8nO (v) l,.clsly e.,.,.... at lD "'y ""It.. spcetfll'Cl 1/1 I". lI'llee:l'leCl
e",.r, ~Q>On Advltory ,C.A R "orm B .....'. W1hOUl S.,..n o~o, """lI'" CXlnMnt ENyer "311 ~1Il'1I' ....... "Dr C'I". 10 be lTlIde: iiI ",vl_
011' oe."""'.... Buye' '''Vft.og~'''': or lifllf\$Oec:hO,. by '''y gc.... mme"'&' 1l\l~1l"'9 0' ~0,.,"'O l ~ ClI pcw~/ll efl"PlOyee. _ .. ,eq"".O
by""",,
I. Buyer Shell co~ .. 1o': ll"y1Ir 1"..sti9I""'" 81\(\. U K/e1:11.., ,n Clarao"p/'I "8 ",,,,,OVI !hI a>nll"!l'nc;y or C810)C8llM AgrNment. a~, Ihl" give
S.wer '1 ~o COSt co...,.~_ COCloes 01 all BlI)'el 1rl-..esllgltlOn r.pol'15 ~,n.d tly Buye. SlPI.., DIII~ ""a..a IN Prooerty ava~lIble ft:ll ill I 8uyer
In... Sl~.~ SIll" 2hl~ r,lve w.,.,. ~ ....anI;IY "tid .1 Oosrwbll pliO! IlglllS on tor Buyer. ,nv'S!l\jilbo'" and ""'OI.I;ft II>e elate 1l0r.seMrO" II
mid. IVll,lac .. tc' e..,.. /J/
BU~"I"'tI:lIS(~:_ _ .l
''''''''''9-,('' '''''·.~OO~ ~,I\l"OF;N:~"'SSOC''''TION 0' IlCAI. TOAst> INC I
S.lIen I""QI. I ' )( I (S)
RPA.CA ,.EVlSEO 10102 'PAGE 30" I) ,,-... 0.11 J :::r.~
CAlIFO~NIA RESIDE,"IAl PUIllCHASE "Cft!!:e"E,," (~PA·CA .... GE' OP II H~ ~"l107r:\
516 / 745
18/22/2884 15:4_
oe .. I 01; ~LUt~Ll
P~:p~AacHwss. UC i '2U PC'"

) 31
Aft«rlLJll1I'
' " 271 ••
ret 'CI':
:r )'.04 3:52PU;
Ot\a:..suc,. r«
p~
P.lGE S"5
leo.
e?
10. RaPA!ItS: Rtl3-'" wl'lIll tle ':tl~ ;no' to fmal ~n f1'I tDnOmo~ u"oeM ~ ~r-o ;" ~"Il. ~1l'I lD tlt 1lMD"NO 1/ ~.
erpenae ......,. be ~ttormeo by &. .... o':l'lrOu;iI CIlI'l.~. prv'WdeCllh~ tI'la..,.". CtII'l"oCl _ _ aJ>PllC:ab. Llr'o. "'dUIl~ ~ ~ perom\, ",~.,
3rcl allP">".1 'equ.. ~ ~1l'I .".~ be ~mlC in • good. UclIIfuI ""'~1Wf ~ ~ .... of CIUOIlt)' .ncllIPpeara_ ~ ~ " ....ung
mz1W,..It. II I! Uf'IO_OCC Tna1 PICI Neter'tJon 01 ap~_ f1' c:esmellc len"& !olIc"""ll II ~fS rnrt nell be _sIl-.
SeIat INI\: In ClOtIin
receIPt! /of 1I\~lrs parte".,.., by 0'....... (ul prepa/ll • WI'Tt:e" Ir:U."..nt ,nClQll1lIllM ReJ)l~ I*'!C~ by Selle, atlG It'le Clata 01 lL;etl ~'"' WIll
lill) provlOB CoIlIU of '?Croll anc I"'.ments 10 Buyer!lnO' 10 hlllo'erfleallo... of CI:ltlOrOOll.
" eUYDlIN~ITY AN'.:) S!LLEJil ~"O"l't:CllOl'll F~ ENTRY U~ P~T'Y: a."ye, ,"'10 III ....Il n. ~ny ~....., ue-r of ~rl$ Iii')
".oa. ,n cam.ll e '''S'''9 Ire.., ~r InYeSlog_s .nd (Iii) onoe.nnrly lno hold s..,r OltTNe" ~ U ~ loIC*t). ca_. ~ clatNgeC
ana c:oa~ Buyer SJI•• ~rry 01 Suy.r .",11 "'Qutre anyone aCl"9 on lIuVltr I be"-" 10 ca~. e:c:ae- oJ I~. WOflUIrI' Cllmce",.-o"
Aroc Ollle<
~PO',caOIe ,".urena oe'-"'ong.Mel p'otaet,n9seller ~ ~.c;1Cy for.." "",ura
lD 1le1S()'" or Dnlp.1l)' 0c:eu~9 llUl'"'9.ny 6uye1 Investog.tJcna D<
w""' OOr>e on tI'l. "nopel"T\'lr !uj'ef'!. a'~c;non prru, III ClQ6e Of Eaccw ~ •• .o",.-a _ Qltrt.rn prllWCl_".,.,. ~ aIIcroecl s....
try I9COrcl l ng.
"NOI'ce g' """"-flt",on.,Dltty° (C A R. ~onm ""NR) tor i~ I " ~ 1M wotll C3Cfte on tilt Prgperty at ~s C1tr-.a0'1 eu,.e'-S 00"9.11l~".
uflOe' ""IS ..
lIall""'" S!'Ia" ,'''''v. IN lelm,,, .....,, o1ltlos Ag~
12. nnE ''"'0 ~n.G
A WItIlII'I 1.'If ~me ,peCl'iecl ." "...-g,.,..,
14 Buye, stIlW be ~a.<l • QJIT'eIll ore"".". (~) rePOrt ...md'l is onI\' I~ ~I ~., _ lite __ •• r 10
"'UE , OOIIet at !!tie ,"surl/le. II'\d mey no1 <:Ql1UI1'l ~ Iltm allectl"9 lrtle (k,yW', IftIeW C1 tile pnIllmrn1ry /IlOO11 ard any CllJler rNt'-rs *"oc:I\
~ Ifl'ee:t li~ ;'1. I e<>nln94!"C"t of tlu, A;reemelllil ~ In l3a:ag~1I '48.
II'
e. 7~ tC ~ll" iii ~ . . rTl c.on<lllIO~ !W.JOject to .11 .f1CUf'rI!lI1I"cel. -.menu. r;oven.,lI. ooncltJorw. rMtnc::rlot'l. ~ .l'1C OI:ller ~n~ ",,~:lt~r
el teQ:lrtl 0' not. U C'1ll'>e 0... at ~nllll ucepl·. (I)'IMMelary I.en5 af ~ccn: unleSS 8lJ)'9r IS ~umng l"-e otlUQallg"S or Lalng 1"- f>rooerTw
subject Ie Ino.. gb_~bons Ino Iii) '"CH 1'T'I2tlaf. _ic:II ieller hal agreae 10 _ .. ~
C. W~h.., 11>. ,.... wecrllood In j)I~"P~ '4A. S.M' 1111 allUTy 10 GlKIO. . to &.Iy,r an ~ae" IlrQoon 10 se_ a1Iaa~ lilt. wneener 0 1 - " or.ot
O. AI CleM Of Escrow eu~r • • 1 rece.... I ;,.nt Ge-eo CDnl4Yl1lO I . (Ill. tot tUlal CClOlle_ 0' Iong~ 'IIIU 'n ~ ....'" of _
vemtlc:al.. Or o! ;;ele,s 1e.A5ot"old ,n,.,_), 1net<;d1"9 oil .,...,,~ ano _le'
r.;l13 r 01"_'" owneo by Seo6Itr. rille sl\ell .... :IS clesqwMeClln
Bu,..,-s suOllleme"lal "C'o.o 'M$lt\C10nll "..e
MANNER OF TAIONG TITL.! MA'\' 1oIAV( SiGHlflCNofT ~Gt.l. Al\IO-TAX CO/'\lS!OU!NCfS
COt/SUlT /l.N APPROPRIATE ~OFESSlO~
e Bu~r .n.1I 'eeel.... CL 7Ai.4.lT.-. ~...-ner& Policy 01 T-'~, lnaurance. A lltlO corn=a"y. • BlIyef5 IWQ~. CIIn IlItMde InformlllD<1 aOlIUI!!Ie
• .ariabt"'y. O~SII1lt>r,ocy =<Nf'I1I;Ie and cost 01 VinoUS tIll ...urance ~.'19ft arcl enllOrserllerltS. If Buy", lit...... tint CllYIIragt o"'.r.".... 1!Yt
'~."reo by tl\tS ll.rag'IP". Bvyo:. '''all ",Etl\Jct EscrOw "1010.. i'I WI'I\l"~ .t14 pay Iny na- 1ft QCSI.
13. 5.ALE OF BUYrI\'S PltO,.IRn
A.. Ti'lll "9'"""'''1 If, ~T ;o",,"oe:nl ~n tne sa. of any pt~ ~ by Buyer
0Jl e. 0 (II c:necl'.eol Tile ""Cl'o80 !I00.noum ICA R I'0f'I'I'l CO~ regartllng lrle oo~ngel\Cf lor llle u\l 0' Il~ _Nil by 8.Jywr • infcotpomllll
n,IOlfVto Asr-•• -nem
u. nMe PERIODS: ~!AlOVAL Of' CONTI~"Cl!e; CANCa...J.TJC)N 1nG104T$: The folIowl"ll ttm. IlI"tOCIt may only l»
modlfted 0' chWi~a b, mutu81 w,men :>v• .",ent. IVPJ _vi' ~
of a>n'\inv~ Of c.lleellallcn uno.r rn. paraeraptl ""&at be .. WItting
.-oeo.
(C.AJI. Form CRI·
•. SEllfR ~AS;1 ior C ___ ) 0.)1' "'hI' A<=ollcanca Ie delt... r to 8uyer ml ~. Ol'ClOSUrw lind .ntoml_ tor wl11et1 Sellllr IS
~soon .. b. ur.a., PI ragrtpn , • SA .nd e
&A 78 anll l~.
B. ~') BVYER "1A!: 17 lor ~ __ 10• .,. A1ter ~plllnca. ull.... o ~ *9'wd In wntlnll.~.
(i) CDfncl." a' Buy.r Inw~hil.·Ons., IOOfllYIt all at,dosur... reportS a~e amer ~ t11lctma"On. """1eI1 ~ .. eellla "am s.-.r: .114
appro.. all '"anef'$ allec:.ng 1I'l' Pralle"." (inc:suong .&II-luNa p.n' and "-'t>_d p';l'11 "aurlJ. al _II .. ll!l'e< lI11o ..... tJon 1IPlll;i(,.;l '"
P111'91l'"" ~ '"a 1'ISW'atllltly 01 Buyer 'nd lrle P~rtyl:.,,11
Iii) ,elurn til Stller S'9ned Coo- CIl SlalUttlry and laid DI5CiO~"res!lelWe~by Seller in _ n e e W1lh I>..-.gf1Cf': 5A.
(2) VII\m,~ me rme ~or.o ,,", ,.e!l), 6vyer may rclllHU' lI'I.'
S.Ntr ...,.... ~I,. or Ia"4I Iny O'".,.dIan regaroltl9 the Proper.; (C.A.R. Form
R~ I 5e11l r lin no obltg.uon to ~r.a lD or rcsoond til liklyer, "QlIft_.
CII By " " an~ ,~0' ,..-.
SDe<:Jf.eo In 148(1) tor 21 10< ~n COIltln1l"nt:)! llf 2J far ~'UI ctI""'noel'lcYl, Buyer _""'9. _ .".'l '"lI'1e
.ClCI'caO" ccnt6l9~r~ ,CAR Form CR) Of canOl I thIS
w.rt'\", tn. "'"- .pe~<f "I 14A. rtItIn ewer "- S for 0
-""reernef'It
Howe-r.r. if""
follOMng "'S~lI. repons or d~~s.rw nDC_
) 0IIys I'ft.r '_",I of,rry SUcf'1 rWmI. Of me brre 1ClI~ In
14B(', whenever IS liter 10"mQ"04 m. ,pplocal:lll aorcJ~ Of canall t!'l& ~me"l i... ~Illl: {I) gov.mmenl-mand~ tMl)eCIIOna 0'
"'PO"' ~~d as a eond~ion ot '*>s'rI$: ~ ill) Ccmmllfl I........ O~_. pursuerll III paraor.lln lie
c. CONTlN~ TION OF CON'TING!HCY 01' COHTRACTUA~OBUG.AT1Of1; ~1Il JIltGHT TO CANCEl.:
('l Sel.r ngl'lt to CaIne-I; Buy •• Cond~; $eMit... It., ftrlIllliv,ng Buye, • ~o"c. to Buy., '0 ~"" (.5 sped1led btlllW). may eam./
tillS "9_r.l 1M -"'II ;lncI autllonze rewm CIl 8v)oers lIlIllOt¢ ~. by 11M lIn1e _Uled in Ih~ ~ ...mem. au.,.r ClotII not remove II orrlI1.~
!Ilf; aOCl~eatl. CQnbn~ellC'Y Or canorl Ih;. "G~....nl Once aU I%lnllogenClei na"e ~n ..mQveQ. ,.;u,. or ettrler Buyer or setIP, lD c:IOse
esc,OW or"",. may be a tlrNc;/1llf "'. -"",-nt
(21 Contin~llon of CentJngenc:y: even .Ile,
!he aap".lJO/1 of _ t>me 5pecrfie<l ", , 48('). s..yer rete'M t!'le -.gn! lD ma". _ . I S 10 S.IIe,
f1!move ,n ... nllI'lg IN aDPllUble COnl"'98"C)' II< canOlI ~.. Agree,.,.ol :.Jn~1 Seller c:anc:I!'- PUr$UOlfll tro , 4C('). Onoe S.I~ ,...i". . lSuyu.
,..,"'.~ '.rT1CIIa! 01.11 CXlnbngenCles. Selllr rnsy "'l1 c:IInOlll"". Aclteeme:tTlllUr5u.1\t III '4C(1).
fJl 5.''''' ,jVhl to C:lrtC8I: au,.., Contncr O!l/Igetio,.: S.lIer, ....' t~ 9"'"'9 Buyer a Nct1ce 10 a.Jye'!O Perletn"' (_ speoMcl bellllOO). m.y
cancel rnu Ag-.nen ,n -Ill"" ana IUlP\Or12a "turn r;,I Buyers GePGStl lor I"y CIl ':tic 'c11OWif\Q ..ason.· el' If IW}'l!' ,.;. to eeoo•• I\It'Ids as
ra~l"",, Dy 2A c, ~e (Ill'" me ,....,os
CitPllS,NId pursu.'" to 2A or 26 a .. "ot ;ooc:J _en
Qeponed: (fti) , Buye, rllll to 1Y0YICIe I leCle' II
requln!O Dy 2G: (IV) If B~r b1illlO PlO"'''' ...,fClt.orl I' requ".cl by 2M or 2L; tv) II Seller ....oMlbly cltUPClI ........ 01 lite IIItnl'ocabOr' p"",ded
~eo~l1Ite 100...'0.'10
~.r(orm -.gird,""
0""98 10""" !l:r 1111
c,.... 01 ~CI"O'lr
In~ a.oostr .. leQ...ecl by plllQflll" " SoeIII, I.
oy 2H or 2'- IV/) ~ &vywr ,""IS lD ..'urn StltulOry .rcl L.ad D:8d~urn ;n '-QUI,t<! b'1 p.a,aQrap~ ~2): or (viI) II Buyef t.ils 10 sogn 0' ,"=.1 I
n« NCllllreCl Ie give Duyer a NOCJU 10
14) NO\ICg To .uy~' To Perform' The "''''-10 Buy,", 00 PertorlT' (C.A lit FOI""I NDP) .".I\: (i) be '" WrTln;; fii) lie .. 9"f'l by Sele': a1\O Wi) 9'....
!!luyer II _12410r f..j ) ~ourl (0' until '''-U!TIe ~'eo '" t,.,.
IPClllCMlIt DllaQfW~". ~ n ...UIo tlIlr. ll'le 'IlPIoCIIDla
acl_ ;,. N"uce Ie iiuve' 10 Perll>rr"""'y !>Or be g.ven any . .,I_In." 2 Dayl Prior til me cxporatJon plieallW". for 1Iu-,.< 10 ..move
a c.cntong.r'lcy or c.aMCe,!n1lS AQ.-rnenl 0' m<!'tl I ,.e.:!,
Cob"".,_ Iluyers "'-lilllS ( )I ) ~
Se'.rtIMllIts: )( ) l.E.J
1~."l>~''9nl t 'if',Zon: CALIFO!\NI"
PA·CA ItE\I.5E.D '0 / 02 [PAG! .. Of' 8)
~OC"""ON O~ " ... , ':'ORM. If>O<:
-'-l>y!lllle -=-I ..,lIT,,"
__
CALfFORklA RESIDE/'lnAl FOURCI1ASIE Ac;REEMiWT (~PA~'" ".G'-. OF a) T6~8'lZ-lU.l.J-.x
517 / 745
lEl/22/2ElEl4
'"'C"" 0 1
;
15: 4 .
"UI.~C~I_ t:l )31 31~ ,71 ~8~~ ).04 3; 53"''';
PAGE
~AGE 6/1 5
ee
~rQDertY~u 12C:; reci '"'[,1%' ~ A ! !', ;a 0erU; DMe:i. . ..".r« ION

D. EfFECf 01= B""~" RBIlIOVAl 0" COHT1NG!NCI!I: " eu,.er rwmo.oes. " MTlIlCl. any c.orb'll)ellC'/ or ~'-_ ,ogNs. ..,.,_ 01!Ic .....
toecfleC " I ~.Darnt _ n ~'"..- _ " ~r l.-.cl ~...... ~r antM CQ~ lie _ _ 11) " - , (I) ..... t"....
','-...sllgalJOf'S. '"11 ~ ~ ~I\S .. "II OTPlef atlO/lCIDle 1Mll",",,1'OIl INI dlsdGS<. ' " P4I "la Irwlg :0 ~ c o ~ or ~_u.uon IIgI'C III) -.:.d
Buyer
10 Ol<loc.c _n ~ ff2naac:11On . ..,a Ill') UILr.lIoCI all 1"~lty, '.IlCl'lSlllIIl:;."" eS_11 br Relloln or oor~1 peru","" 10 thIiI ~cy or
QnceiJ.Cicn n,,1'U or ror '1'\aO'-' ~ Cilia," fwIlnci"ll
E E'F!C" 0" CANCELU'Tlotc ON CEPaert5; tf 811)'tr or s.-.r
ClIIIft "-"lIIn /IOlIQe d CII"Caa.l1Ol'l puraam ~ I'lgllllllul\' - . . . c l ..... tIIr
lMTl$ ot Il'U JlQrw m el'1. 8~ and Se"r agree 10 S'9fl rnJIoJal lnllrvc::~ III ~1111 me aalt and Me"""' 11'10 ~_ ~ leU Ins .,..,
:.or,s t: :nl ;l'rt-, ef't-tled Ie 'he ~ "'lIeS IftC COSlll may be pa~aDie III M.-..c:. pm\l'llll" In<! -..ndorS lor RIY1l:ft Inc:! ~ ll~ IlUMi
esc.tIlw ltelean of fu_ will r.qul.. mutua' Si9r-<l ........ lnetruetl_ "om 8u,-r ."d 5e1*, JudIC..1 ~ 01 a.1Iob-.on _nil A
P3r1y may oe I'Uo;ecIIO I c:,v~ pen.-fty of up w S',OOO for refuNl '0 aovn ILlCIt IflStructlO'lS it no gOOd ~ilPl CIiS~ nt_ _ to _ •
elltltle<llo the de~'led fundc (~MI Coo. §1OV.3),
,!. FINAL VERIAC... TlON OF CONCrTlOf\l: Eluyer ~IIIC ~lIve !!'Ie ~11O ",aka ; 1In1' l'7IJCec:DOn d lhe Pn>oertY '10th... I ~or I 0.,. Prtor
It; CI~ Of Ele",... I\IOT.4.S A CONTINGI!NC'V UJ' "HE SALE. bloli SOle'"
Ie eQtTfrm, In !"llI PT~ II rnarrlll-.<! Ilu_.'" 110 PoIIla9t11P'1 7~ (III
F',e~1rI nave C•• O complf!1~ as 1I0....c. lit'll till) selWr ~s CC~*l W'ItI1 S.IIeYi ctPle' otIItg. . . . ~",II ~'""""l
16. L10UIDATED DAMAGES; If Buyer '-ill to compleu thia p"'reh_e be;.MJSe of Buye", o-faurt, Sell« .tWllI retain.
as Iiquio.ted cYmages, the deposit actually paid. If the Property. a dwelling ..... lth no more than tour units. otte
of which Buyer inundS to occupy, then tM amount retained shall be no more tn.n 3% of ~ purch.e prICe.
Any e1lceu shall be returned to Buyer. ReleHe of funds Mil require rnll1Ual. Signed ~.. instructions from
botn Buyer and S.lIer, judicia, dKlSton or .rbitration Iwa . BUY!R AND SELL!R SHAU SIGN A SEPARATE
LIQUIDATED DAMAGES PROVISION FOR ANY INCR CEPOSIT. rCA.1it FORM RID)
I auy Irs ,,,..iaiI S.,.,...lllitiall
17 o!S,ovT; RESOl.UT'IOH:
A. M!DlAnoN: lIU,-ef line SCllw" IIgr~ ID .....11_ liMy dt&:II"lII tit daill'l _ng ~ ~ trlern O<JI I)/!his "c.-ne<lt 01 _ .....!V'O ~nudlcn.
~f:lf'e r~onl/'lQ Ie ,,'blll,lIlon "r ~urt .c:tIon Parlljlracns '78(2) and C3~ ClelOW' ~ w/le'fM. elr not I". Artl'lrllJCn 0'0_10" • "". .lotCI. IoMCSlM!Of'
' " ' rf .ny shill be :r(ooell eo •• ky .mo"9 I~ oanoe, ,nvolVed If, for.ny arsClute or ClIlIIT1 10 .... 1d'l tl'IlI ~agraptl ~I'. I"IV party tem"Wt'e-s
shill Mel be enl:~./l to ~CXly.r a!TOl'ne't . . . . . ._" ~ rn.y woulO

"'f'\OVI51ON M'F'UES V\II"n'HEFl OR NOT THE AAsmv.nON PROVISION IS IN/TIALEO
_rw_
In ICI,on wrthQvI M~t IU~I"" 10 "'SOlve tile mill.' tnmUll" mediabOn, or '1"-5 ~ me<l1l2lr .tler a ~ueal Ila ~ ~. ll'lltn !flat pany
De _.-tlle ~ ftI.t lI<Il1I' in Iny IUdl IC!klI' THIS MEJ:)IATlON
iI. ARSITRA nON OF OISPUTES: (1) euyer and Seller ag..... that any dispu'- or claim In law or equity a,.ln9
be-tween them out of this "gre.ment or any resulting transaction. which I. not settled through mediation,
shall be decide-o by neutral, binding 1r1:litf3tIon, IneJUdln9 and subjeet to paragrapt\S 17B{2) and (3)
The arbilrator sh.U be a retired judge or justice, or an iJttom~ with at leest 5 years of residential real . .tau
"'ow.
U1W .Jlper,ence. unless the parties mutually aa~ to a different ertMtr8tor, Who ah811 render a. award In
accordllnce with substantive California Law. The parties shall ".ve the right to discOYef)I in accOtdanee with
California Code of Civil Procedure §1213.0&. In .11 oUMt' I'Mpec;ts. tM arbitration Shall be eonducted in
accordance with Twite 9 of Part "' of the california Code of CIvil Pmc:edU,., JUdgment upon the award of the
.rbitnrtor(sl may be entered into an~ court havin; Jurisdiction. IrlterpretatJon of thle ag,...ment to arbitrate
shall be governed by the Federal Arbitration Act.
(2) ~XCL.USIOHS ""'OM "'~OIA TION AND ARsrrlUTIOfo/: The fol--.a m - . .....eluded from _ anll artIiV8A>Ol\: (I) • Judlelel
o' roon.,.."cllIllDnldo.u....... o~ laton or P-.dlrlG J,g flltOt'Clf I oeeo oIlruat.lII4)f\gI~or insta.,..nt \tInd &ale CC1nu.ct _ *"'
in C.lifo<n,. Civil Code §ztlll; lill.n .."..wful diltalMr KtIon: (III) the filing oran1orCe_nr. 01. IrIeCNinlc'w I..rs: If'4 r"'l 8fIY rNIlbIr_
" -'In,n tile Jumdietion 0'111 po'O!)lItt, SlOWn c18iml 01 b""~~ court " . "linll of I COU!t .ction 10 I!\AD" rtw raeardl,. r:A • noace crI
pe..ol"9 Idle", for or... d .t\aChment, "4!Cer.e!'lhip, In!Url~, or o~ prov~lonal I"e",.d_. ttwft ~ 'onstItl* • . - . - crI the
mediation ~nd Irbltratlon prov~
13, IlRO~~RS: e~ ancl S.llef agree to mediate Ind arblt1Rl dl~ 00' ~ involw",Cl .1ttIer or DOl" 8rokMS, CONfttent wleIl1 A
and., Il"ov'cled elltit'. or bot" !lr'llel_ 'hall I\a.,. ag...a to aueh ~l.atiofI 01' IrbllrallCWl prior U1. or ~l" • _onatIle t .... ""'r, IN
""DUD or ell'''' '" ~mad Ie !l,o,..... Arlf 'Iee~ bye..... or bCdIaroll_ ttl pa"IClj»_ In rned .. hcn 0< ~DfI.h:II. not rwsuJl
In arotel'S be.,,,
~m.a ~_ I'" the Ai/-ment.
"NOTICE: BY IHmALING IN THE SPACE BELOW YOU ARE AGRf!JNG TO HAV! APlY DISPU'T'E
ARISING OUT OF THE MATTERS INCLUDED IN THE 'ARBITRATION OF DISP~S' PROVISION D~caD~D BY
NEUTRAL ARBITRATION AS PROVIDED BY CALIFORNIA LAW AND YOU ARE GMNG UP ANY "'GHTS YOU
MIGH1 POSSESS TO HAVE THE DISPUTE LITIGATED IN A COURT OR JURY TRiAL. BY IHmALING IN THE
SPACE BELOW YOU ARE GIVING UP YOUR JUDICIAL RIGHTS TO DISCOVERY AND APP~L, UNLESS
THOSE RtGHTS ARE SPECIFICALLY INCLUC~D IN THE 'ARBITRATION Of DISPl/TES' PROVrsION. IF YOU
REFUSE TO SUBMIT TO ARBITRATION AFTER AGREEING TO THIS PROVlSION. YOU MAY Bf COMP~LU:C
TO ARBlTRA~ UNDER THE .lUTHOI\JTY OF THE CAUFORNIA CODe OF CML PROCEDURe, YOUIlt
AGREEMENT TO THIS ARBCTRATION PROVISION ,S VOLUNTARY."
"WE I-f,.VE READ AND UNDERSTANO THE FOREGOI~ AND AGREE TO SUBMIT olSPUTfS ARISING
OUT OF TliE MATT'£RS INCLUDED IN THE 'ARBITRATION OF DISPUTES' PROVISION TO NElITRAL
AR8rr~"TION." r ~I~-;;;;;----- ; - - - - ,.s 1nrtJ.ali&
S.1.. i
- - :>.,
CoPl'''9"' c; " . ' ,;OJZ (;ALI'O""'"

"'~lIOClAT1ON O~ "!OAt !~~ 'NC
RPA-C.A REVISED 10102 (PAGE 5 Of II
C"U"O~NlA RESICENTlAl.
1aY.,er's ,,,HIIIS ( './
5efter"
I ~_I>"
trortr3 IS t
P\JI'tCHAIE "'CREI!MEHT (lIlPA.cA ~AG!! 5 011' .,

;21
Cal.
)(
::J ~
l
-_.. ..
""'.",., ..
I e~1'92)o_LJ' >.
518 / 745
,./'2/2••'
.:Ic", Or;
'5;42 •
"'U~Ut'I~LL t;jANKERj
},
~10 zr1
MARA
4e~i
.) SEP'22-Q4 3:504P,,;
Ptl(E 69
PAGE 7/15
Pr~AQdre":.J:' $ p.c:k grin BenrlY'41'3 ;;:;a OqZl. om...s.tem. r « ~

18. F>ROR.ATlONS OF f>Rop!~ TU!S AND OTH!~ IT!MS; Urle$s :ltner-e Bgreed In WT'ItlnV. 1M foIIowwlg iMIna INY be PAID
CU~RENT and cr:Y1tled blltWeen B~r anc seller H of Ctose Of Escrow: rNl Of'Ol'erty ta.wes and lSaessmenII , In~ rem.
HO;" ~U~r speo8l. ilflll emergenc:y dues Ind llsaessment' Impo&e<l pnor:o CIo61 Of Es.cro-. ~iu,", on ln5Urance assumed
:::y Bu"er "avme'lt, 0" bor:ds and _ss~n" aSlloUmed b'( Buyer. lind payments on Me~oos anc ottler ~ ~
:JlSl'TC1 bO'1ClS ane a5l>enments tr:at !Ire now il hen. T". fOllOWing I\eITlS shaii be auUfT'@'j !:ly &iYl!~ WTHQUT CREDIT lCWlIrd It>e
ptICI'Ill" onr::e: pro,ateo ~yment' 0"\ Io\QJlo-R~ and O\~r SDe08IIl.'M~1DlSUlCl ~.,d nse~fU ancs ~ ~
!IsseS5mtrn that .~ "0.... II 'ten but no! yee Oue. Property ",,;11 be r_.wand LJDOO ~ of 0W1lef1tl'C'. Arry ~ tax tMla
,1'1.11 be 03ld u lobows (I) lor perlO(!s OIlier CIon C1' Esc:rnw. by BLIY'Ir: e"1d (it) b' oeOOds PflC" 10 ClOse Of E~. 0'( Seller. TAX
B: LLS ISSUEC AnER CLOSE OF' ESCROW SHA<.1. B= HANDLEO Olf:lECT'.. Y BETW:EN BUYER AND SB.LER PromlOftS snail
be ~ae bnec O:l • 3D-clay month
19. WITHHOLDING TAXES: S81ler and B~r agree 10 eJlf'C\Jte any i~lT1llI"lt.• ffLd8vil, statemenl Of instrwc:tion renorlllbl)' nec::uaary
10 c.omply wi'" teOeral (FII'1PTA) lind C.liloml. Wlt/'Inoldlr'>9 Law. if reo",red (C ".R Forms AS and A8).
20 MUL'tJPl.E USiiNG SER'IICE ("Ml,S"): e.Qll.~ are aulnorized Ie r~ to tt.e MLS II I*"4ng Mle Ind. upon Close Of E~.1I\e
term, of tlll~ tr.n~8C::1I0'" 10 be PLlbllstleo ano di$semtnateCl to peraons and
lll:pr~ by the MLS
Itfl"',
autnorlZ8d to use the n1ormabOn on lerma
21. ECUAL HOUSING OPPORTUNITY: The Property IS told in compl~nCl! W!C1'l fed.... 1. st.,c and ~I anli·cll&c.,,,...r.1ItJoo L._.
22. ArrORNE'I' FEES: I" any actIon Proc:e"d,"~. 01' ar1)U8tion ~..n Buyer ¥\d Seller an:o.ng out or tl'liS Agreement. the prr..ov6r19
euyer or S.I." in-II ~ enlrtleo 10 reasonable anom.y fees iII1CI o:ma from t". nor'l-J)re'teifing luyer or SeIer. Pcapl •• Clf'OYIOl!CI In
paragraph 17A.
23. SELECTION OF S~VICE PROVIDERS: If Brolr.el1 rei.. Buyer or S4t1ler to peT¥lns. vendCn. or aeND 01 ~uc:t J!r0-.<Mn
("Provider.). f)rocers 00 n<>ll;uarlnt" Ille performafloe of ....., PrOVloers. Buyer Ind SelNlr m.y a~ ANY Providft'l of their 0NfI
et'I001lTlg.
24. TIME OF ESSENC! ENTIR! CONTRACT; CHANGES: Trme is of the ••,.noe. All UNleralandinga ~er'I ft\e partlell .,.
I.,COTl:lOr.rt8Cl In IIl,s Agreemenl. Its tlrmll are ..,ttrload by \he partMK as e final. CClTlpl81t and udu...... ellP'WSlJOn of tneir
Agr~emem "'rth res.pec: to Ita SUb}let tnanL'f. ilndmay not be ccntradicted by ~ ~ of any prior agretmlnt or .contemporwneoue
-= ... 1I!lgreemenl If eny prOVllJlOt'1 oi mis Agretmel'lli. ~lCl to De l~neCIIVe Of 1!Wllrd lt1e re~ll1l~ PTOVl5'OI\S ...,1 _~" be
;l'Ven'I\,;" force ano e"lICt. NeitT\eof' U'lia ~9"_ml", nor any proy,.lon ,n it rna, be Ill\lnded. amenct.c1. mocllf'..a, al\Med Of
I: na "9e-d.•Jlceplln writi"9 Signed by Buyer and 5 .....
25. OTHER TERMS AND CONDITIONS, including ar1aeh1lO k,jpplemenls
A. ~er's Inspection Adv'$o!y (CAR,:,F~,,~rm~B~IA)~""'lI:'~ __-==::=-"':":":==:==:-:- ----;- _
B. U PurCt1i15f A9ree~m Adoendum (C A.R Form PM f)ilf!ll!3p1'! numb81'S: )
~. 5cll«r to pAr: b~.n clqainq '-PAt" Hl en ae;mnc nat to . . ...4 2. (~pe.o;e.g"tt t!J# r;.bt a..a&l

Purdzuw pr,;,c4 j«llcr"':, ....u qy~ 12"""'.£ hp..1dE • Cll.a..tQrp.j., B-1' E',ye:.c W"."".
a. DeFiNITioNS: As usad 11'\ tniS·Agre-m-.nI'

... ·"ecepUlnc.~ r:':8inS the time the otter or lirua/ counter o1'Ier LS accepted .., Wl'lllnll by a PIIr1Y and it C:el_r.a to end personally
reCel\l~ by ttl. otr~r "arTy or tMal pany s aut1lorlZed lIgent ,n ~ with the terTn5 of trVa o1Ier or. fan.r counter oIter.
B. -Ag!gemlnc" means ttl. l.rms and COnditiOns at lh. . .cce-pled c.lifomie Residential Purtl'la.. AgreelTlli'l end "'" aocepled
counUir oriel'li ana ladenda
C. -C.A."'. Form- rne8ns tn. specific form r.1crenced or enoltle r comparable foRT' I~~:O by the p~es
D. ·Clo$. Of Escrow" nell"'!; the dale tl'\e gra'" dliI9C. or Oilt'9r ~ldenc» of transfer 01 tITle. is r~ If the rd\eduted do. of
I!Scrow falls on I SaI~8y SU'lday or ..gal hOliday. then close of escrow shall be "'e fl8lCt bUllineu aay aller lIlI ~uled
cl~ of escrow dale.
E. MCOpy· ""-Gens ::opy by any mean, inQidin; PhctOCOPY. NCR. faCStmll. and etedrol1'C
F, ~I· ~ans CJIlenOlr c:l<Iys. unless etnerwiM "Qulred by Law
G. MO ays Aft.r" .'TIltans Ihe speclfl~ numoer of cale"car dayS I!ler tT\e OCX1lrTence of !hi: event l:leCifl8d 1'101 co~ting tnll calenQilr
dale on ~rcJ'> "'e sPtc:fieCI event CCClJr5. and ending 811 t:59PM on Ihe final day.
M. "0.'1 Prior"' meana the l;peaf'aed n\l~r at alendllr Qay! befor8 the OI:C!.'rance 01 the .\IQf'tt ,~. not ccurrting the
c::illenaar aale on wNd'1 r/'lv ,pecHled event is scheduled 10 occur
I. "ElflCtTontc; CgPY" or "EIKtronic SlgMtIII"I· means _ applicable. In electTOnw:: cOQy or s'9"_1ITe complying wiIt1 e.,lfornie
Law Buyer lind Seller aQree thet electronic means WI. not be usee oy crtner party '0 modrfy or litter lhe c:ontem or wrt-vnlY of Ihll
Agreernen: 'MthoLlt Ihe kflowleclge and OOIlM'- or lne ether
J. '"Law" means """Iaw. (lOde. ltalute. on:lInance, I'W'gulatIOl'l. rule or or:::ler. wl'101 IS adoPt~C1 by a contlotling city. CXlUnt)-. &&aae OJ(
fe~1 le!l151It~V' j;Jdioal or e;ree:ut1VV body 01 agency
to< "Notice ll;. Buy..- tt) PM'form" lTl4lans a cOQJmen\ (C.A.R ~orm NBP). ~ic:h shall be In writing and Signed by 511. and ahall
gi.... 8uy~ al ,east 2" "'ours lor as othefWi. . 5P8C~ in para~raph 14C(4)) Ie ~rno.te a CQntlngency or per10rm .1
appJl<:~
~ "Iilel)all's" "'!leans ar"l' '~palr. (il'ldUdl"9 pest c:ontrol). etteratlons. realacements. modifieallortS or l1t11'Ofi11mg of the P~rty
p'C)Vlaec 'or under Ir1l5 fl.greemer'lt
M "SIgned'· 'lIe.ns llrlMer ~ ~andwrltten or .lectronlC ~19"'lute on an orlgin~1 ddCUme!'!t. Copy or any COLM'tterpart
N. 51119ular Qnd Plural lelms .laC" incl~ me othlir, WI'\erl apCll":lp".re
S.lIer~ ",~
e"V"fl 1M,. ( ~(
~ ~(
) Gl=
C"~),"ll"'C ,~~,·:oo. =.\,,·OMN ... ASSOC .... TION ~ q';'Al ~O"SC> tNC
1'lPA-<;.A 1It£Vlsr., tOlO1 (PAGE C OF 81
I
1 1 _ Or
CAUFOI'INIA ilt£SlCENnAL PURCHASE .... QR6EAlENT (~~A.cA PAGE 6 0- 8)
... Ia (
Oalll
)
I
::::.=
T62.92.1n.7rX
519 / 745
llV22/2ee4
- "
P'op.rtyAoo~.J2~ S
21. ,t.GE!«:Y:
15:42., .l31
............ ".. "".... ",~"n..c"',
f'«_:X"=r'

A....r l . ",,'°.1, r;a lOU,2

MoORA
3' C 21, 4634 j
• )
SEP'22-04 3:~5PM;
DMe··..,r-.r 4
PAGE
PAGE 8/15
ZQO,
le
A. DISCLOSURE: &lyer .nc Seller each -el\rIowIedge enor r~C)l of CAR. ForT'l'l "0 'OISColosure R.rdlng ~8a1 EsUte AgwI(:y
RelallOn5tllP$
S. POH"T1ALLY COMPETING BUY!R.S AND SElLERS: Buyer .nd Seller ucn adtnowle<1ge reoeiPi Of • dlSclolu,. 01 ~
P<lUitidrTy of rrlUlllPIe r,~".s'ntolLon by tne &roIl~r "'Pr.,e:mng 11111 jj.TlC:pa:. ThIS dlsdosure may be ~~ 01. Il~; .-emern.
buyer·!>rOl<er agreement or 5'PI~t. doo..llnem (CAR. Form O,t.). 8U)Oe1' UI'd.~tarkis ltIlt Broker l'eP""ent'"SJ Buyer may .Iao
reprelenr othQl" Poteflll31 ouy~ wM I~ COI'lIider, make otters 01'1 or ultJ.,...'Y loquwe trlt Pr-opel1y. Sel~r lIl'\~tands tf111
Brt1It<er reoresentir"l) S.\II~· may also represlll'lt other sel\e'" 'I¥i1l'1 com~bl'l9 ~pertl8l 01 int~lla tn's Buyer.
c. CONFIRMAnON: The follOwing Igerocy rfolllion5/'l1ps • • "'reby
c-.onftlTTled rcr 1hi& rransac:tion:
L,sling Age'11 - _ _ _ _ Ce.ld...l l !tpW <Print Firm Name) '- ttI4 ~
of (e:t~Ck one): [I :,oe S.lIer eJ'Clu6/1Iety: IX 0 belt'! me Surer and ~r,
Sel,ng AgenT ._ ~u*p !iriail2 .&t&J.t:an: (Print F,rm NarTll!) rtf nee same
as Listing Agenl) Is tne .~m cl (=tie<:!< one): ll'the auy.r exclu&Ntfy; or 0 lI'1e Seller liZdUSlv~ 01' 0 oott'l 1"- Buyer Ind
~r. Real E,lalll! Bro ••r, are "Clt plrft_ l(l rhQ Agrwemeont oetW. .n Buyer and Selll!r.
28, JOINT (SCROW IHSTRUC1IONS TO ESC"OW ~L.DER:
A. The loIlo.. l~ pal'ainlP""" or Ipplieable POI'Clona thef'eof, of this Aore-ment c:onebt18 ttw t/)inf .lCr_ inftruc:tiona of
Buyer and S.II." to Escrow HoIcSft. whic:tl Esc70w Holder II Ie use elong wttl'I any related counter ~ one adCl.nCla, ana "'y
8d:1lllOf1l' '''••llLJal '''&!ructions 10 dOH rI'le escroN: 1, 2. 4. 12. '38. 14E. 18. 19. 2". 258 wid C. 26. 28, 29. 32.4, 33 InC
~.ra9raph D 0' me sectIOn tJ11«'d Re.I Estate Brok~rs on page a If • Copy of ltIe WC)arale compensation Il1r.-ment.(l) provi4ed
tor In plJragrapt, 29 or 32A or oaragraPl'1 0 01 the n~ion titled Real Estats Brokef$ on ~ \I depOSltlla Wlltl Escrow l'4older a
by BroIc.r. Escrow Ho~r 511.11 -ecept SUCf\ a~nt(.) .nc1 pay Oul from Buy"" or Sellet'l MGa. or boCt'I. II .POI~. the
Srt\ka(! compe"lBtloo prlWlOed for In sUe"', agreemenc(I). TI\e terms and c:cno~lOn, of 1tlls Agreemem rlOl .... tarth In tne
~PeC'rl!"d paragr.pII, 1I~ aCdltlOnal matters lor the inlormatlOn of E$CI'OW l'iolder. bUI ab04.It wf1id1 E5UOW HoIoer neecl not be
concerne<J Buyer ~nd Seller will recetVe Escrow Holder', general ~rov1sionl dlf"lClty fn:lm Escrow Holder and W1lI .uc:uIiI IUdl
prov,slO!lf> L:pon Escrow Hold....' rlQUeIt To Ille IUlent t~ general prov.IOns I,. inconsislenl or c:cnllid witll lhl& ""'~
me ~erll ~OV'!lonr. win control 3$ 10 the dLl1ies and Cbl9Btions of EICtClW Holder only. B~yer lind Seller will execute lCld/tlonai
,n~\l'Uclions. documents and forms prOVlOad ~ E~ Ho.der 11"1• • ~ ~1I'Dl'\OIbly nec:eINlY 10 dose !h. e5Cf0W.
e. A Copy Jf Iflis Agreement shall De de.".re<:l tIO Escrow Molder W1ttWl 3 busrnea dByw ."., AcccplitnCl
ler C _ Buye1" and SeI.... autnortze E.saow).
HOlder 10 accepl lind rely on Cop_ .nd Slgn"turN as deflnecl ,n ltIil .llgre2rT'lent II~ origil\llil. to open escrow I'\d for otll«
D\JrpOM:lI of uerc..... "Tne "allchty 01 ttliI Agreement at I)~n Buyer and Sea« IS n01 i1fected b~ wtlatnet or w~ E.crcw
Holder s.gn5 It'll! AgreerTW",.
c. BrokRl"$ are I Plrty 10 ltIe "crow ~r trw 50le PUlpOu of eoll'lpenaatic", j)u,..~t 10 plrOl9"lDhs 29, 32A .nd ~arllgr8llt1 0 of the
sectIOn 1'11eIJ Rell E~llte Brc••", on FI9II 8, BLJYer i11'lC1 S....r irTevOC'lbly lI&Sign 1D Bracers compen5llbon ~ec1 in
p,arllgrel:lhs ~ and 32.:0., rnpe<:IN..... , and ,rrevooably tnstl\lCl ESCfOojIt Holder lD OrSburse Iflosl fundS 1D 6ItJk." It Cble Of
Esc:nlW or ~r.uam \0 any other mlAUaly e:lleone<l c:af1t:ella1JQn ~eemetlt. C~r.8tlQl'\ instl\lCtlal"l' ~ be . ~ or
re\lQll,ed omy WIlh ltIe "'In"," cons.nI of Brokers. E!CrOW HoIOIr sI'lail ,mmedialefy noli1'y B,okers: (I) tI Buv-rl ir.ltiaI or any
ltdditlonal depolll IS not made pyrsuenl to this /\greemenl. or is !lOt good at lime or "epOsn WIIh Eserow HouMr: or (Ill If Bu.,...
and Selle-' in,,:'\J~ e,erow
~ol6er10 cancel e~ow. .
D. ,. Copy of Iny am"namer"t Ifill INeal any J)8ragraPh of INa Ag~ent for wf'Iict\ Escrow ~OIcler II relpoftlllble shlW tie
di'lovere<l1O Escrow Hold.r Wit".., 2 bu$mes, days litter murua, Ille<:ut1OC"l 01 the amendment
29. BROKER COllllPf;NSATION FROM I!lUVEF:l: "a~at:He. uporl Closa Of E~ow. Buyer agrees to pay compenlllUDn to BroIler al
:;pecil".ed in a ~epera11 wnr.en agrHment between Buyer and Broker.
30. T!"MS A"D CONOmONS OF OFF~:
This ,s an offer 10 purcnase 1!'1e Propeny on Itle above l~m~ and c.:lnO'''Oll$, All paragFllr:;:hS with spaces far ,nllllltl by auy., If1d
Sellef are inc:orporileO In \t1IS Agree~ only II 1Itltlllecl by ill Olrties. rt
not al l:lilrtlU Initl.l•• tolllW oner is
It least on. but
~Cluireo u'lll ~reement " rcactlea. $eft... hal the rig'" to conllnue '0 on.r the Propeny for sail ano to accept .ny Ol~" afftH ,t liny
lime onor to nQl'~cahC/l'l of A~.nc:e. S~ hal r.,o Ina 8d(nowleOglS recalpt of I Cooy at lhe chr and agre. to N above
confirmatIOn 0' <lgency rellttonsnips. tf thIS o~er is ~pted .nd Buyer !u~equenlly deflluPl:!l, Buyer mil)' !Ie reapon~b" 101'
oayrnent 01 Bfoker$· =l'lPensallOn ThIS Agreemem and an.,. su~,\, a~um Of modiflcaton. IrcJudll'lg any C<Xl'1. may be
S,gn~o ," TWO or mora ;;O..,.,lar:><I"S aU of which 5naU constltUle one ana tne sam, writing.
CO~ynpr!l: ·~g1.20C2 . ....;..a.L~,..C_,.A. A,.s~OCll.TtON or RE.4l) O~36. """C r-

eu....,..
$alle~
In~t. (
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RPA.C,A. Rt;V'S£C , Of02 (PAGl 7 OF 8/ L"'e--o....-.:l Cor 0"1 ) ~..et

CAolll"~NIA RESIO£NTlAL PURCMA~ A,QR£U,£/lCl CI''l~''~ ~AGe: 7 OF II ruaV:ZiO.7.FX
520 / 745
....... '
lEl/22/2ee4 15' 42
Ill ...... I.UI'It:L.L. ~"'-CM;
e. _"l31
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SE~·22·G4 ~:sepw;
PAGE
PAGE ;/15
11
i:ll"OI)enyAoe..S': J,20 ,- '.s" pc-v hre.c 1 y n ',1, CI. 90?1' ON ~e.r f Iqqc
31. I!XPlRAllOH 01 OFFE-.; 111. ooIIt, Ihal, De -..eo reVO+<eCl.nc1 ne ~~" a/\all tie rwlUmea ........ lhe cl'le,. Sogl'ed 111 a.r...a. Copy crt_
S'!1Md 011..... I:'e'sonally 'ece .... Cllll' 8u)4r, 0' ey • _"
llul""ra'd '0 ' ........ 0' o,r !OO PM on me ,n,~ Ylencla' " " .~ III. 0"" .. 1'0- lly Buo,oe1' (or. , ~. C til'
-z:;: -~ (datil. ~ GAM 0 f'tI)
~~l~E~-'f2f6Zil' s ~ ~E-R----------'

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Same'n
Ni'\r •~Imltl
(Prlnl --- --;;;;;:::;;0:;::=::-:---------------------
(F'," ......)
1.;.77 1/.2 s ,le:Uud . .s~L..-C. LOy Molt' ... ;:A gl2gJ~~ _
_.te
,Add~l
n, BAOI<IiR COM~ENSATlOl'l
C'ROM S£Ll9:
A. Vooe Cloe. ~ ~ .. es TQ Oly ~ulbOn til 8t'o. ., as lPeafleo ... I

ESGI'CW Selle, wrrten ... ..-mem De'-'l SIflI, etlIl ~r
Hea.crow dQItS not CIDte. CO"'l)e ...allO n IS Qay8tl~ .. se-eifllllC In IPta! sepatlltit wrlft." agreement.
e,
:13 JlCCEP'T"'~ o~ OFFeR: S"'le' warr,nts It'll s.IIe, II ltw own"
ofllll PrtlIOert)'. a, "II lIM! IUthOrlty tlI aceQIl. """ A9-...nl SeItlI' ~I!III
0I0ove oller, :Ipte1S III ,"1
In. PrQ~"Y on ~ aoow '-mTS MCI COIl<lIbons, _ A9"" lr> the aoow. ~ r!A ~cy re""""'ps seller,.,.
'tlO ana aek/lOlOllt'OQfl ""c.elO1 or a CODY of !IllS "9~menl ano auttJCI/'Ilft &te:t<e, Ie Cletvel' , Signed C4py tlI 8II)'ef.
LJ (If ~d) SU6J£CT TO ATTACHEO COUNTeR Of"'I!.". DATU) _ : ~ _
O~11l _._ ~ _
SEU.ER •. SEI.l.Efl. _
wQ".pb Z-':l1.1.'· _ . • _
(,"""'loCarnel (f'Tl'" ~
-IA-a(l-'.-..,l~-------
...
I CONFIRMATIOfo! OF "'CCE~TAflICE; A Copy of $IQned Aa:eoW"Cle ",al ~l\IIIy ~_1I'ed lly By,. ~ ~I .ulhoriz8cl
"(iii'ia~' ~l on (e'Ilt!) at _ AM PIlI. A blftGl"ll AVrwmet'll II c..-cl ~ C CI
I Co~ of SiVned Au.epQnce !II NI"SOfI"" reu~cl by 8..,.et' or Ik.y"" .uthorr.o 1911'1& wMtner ~ not COftIJn-.l1n
lhlS \loCUm....t. CompletIOn CIIUta. col'lflrmM.ion .. not
Irw.r>ClMlto eYld_ thI _ . 'hit Conftrmllticn (If AccellU~ hili OGC-.l
'.9IltJ
NClUir.o in ort»r to ~Ia • "'!ICl11'lO AQrW-m; ... 1*'1
REAL esTATE li"OKERS,

A.. "e./ Est8w eroa.ers .r. not ~ro.s to ~ A 8 _ bee._ auyer Ind !>eller.
B. ....,.,.:y rala_Ito", a. .. eonnrm-d •• Ilt:Med '" ~rallraph 'n.
C. II spee>f,ea "., J)arag"on 3"', .t.gc-.. ,"",0 !l&lbmilla:l trw oh, h:lr ilu,.... 'e~ .. tJI ~ ""'_1Idge!I
O. CD~TIHG 8~1I.1SR COMP£NSJlT!ON: llC1lng !lrokll' '11'-" ll:IllIY Coooe'~1nO e _ f~.I1... .nd CooOl'1ll"'9 !lroke' - 0 - 10
IClOaOl. 0IIt tJI ~W1; 8t0i0ar' Il rex:eeol 11\ ~w. ItI tile atT'OlIt\l ~Qfled In the YLS, P"O'riOeCl ~~1I8 Eln>io.e, ... a PlrI.ooortl of Ute toL.S ,n
'.111'
wn'Cf\!he Procertv .. cttereCllo, Ull or, re~()C:II MJ.S: or (II) : ' (if cr.ClIeCI) the ,rMum ,Pe<Nd In I _1'IIIe wnn." 19-111 ICAIil ~onn
csc,
~_n l"''''!:l !)til• . , Ind Coooef1llhl1g S .....,.
1'1 . ., ESQte 8rcl<e' (Sell,..... FIrm) ~CID Gnft:!n Bc41 ;orA!
I:)y._ --- 6'M'" D•• S«ztRber • 2P04

".i..xa
AOdress ...i..U.L~~ Soul«vard City .tel MowJ., SWte Q 2'010021
_ _ F" (32.31,.J-IJ78
TMphOl'll 13101171-1'1: e·"";lll4AIQunJ@Aql, c . .
R.&l Est_ Ilr.,..,., ILAI'"l1 ~11TT1\ ~ldw.l,l !l4n.tfor.

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q
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/\OOrasl Crt) St.-
T.II11"Ol'll :. e"""1
I ESCROW HOLDeR ACI(ItOWUDGMENT. . 1
~crow IoOoIcler 'CIlno... IeCl~ reet;OI Q~ a C~ of the A;,u,..l'Il, (rt cn.c:k-el.
.:oum... QfIw, nL.'mbe!1o
CJ • ClepOSlt ,n IN! ImoUlll oi S _
IFlCl _
)'1
, al'\ll ag~ ~ a~1 II E!loOOW HellS., 1..".01 \0 Pl11l9~r 21 of",., ~ wry
lluPDlerneral ~ '"struglQnl ~ 11:. , _ ot !IQ'OW ~ldefs grarle,.. ' D'OV1S'ON
I!.CfDW Halder 0' ."vosed ll'l,t til. dTIe d :::cnflmwt/Cln 01 A~nce rJ TN! Ag.-nent as ~n Suyer,nd SeLler • _
Escrow "ciGe' _
By ..•
.___ _ _ bet_'
DN _
_
ACSC,..6I _
P"<ln.tF.JtIE· 1 __ _
e~c,_ HC~I 1Ie:ens1ll ~",. ~~fomlll Oe~ uf 0 Corporaflcnl,C In~"nce.O "alii &11" lJc::eose •
' _ _ .' _ ) Rf.jECTION 01' OFFER; Nc c;ounlw' ~r II 1"1"9 ."adQ. ThIS efl8r _ ,_-.:1 and ,~ D)I se_ on
rS.II....' IMiltsl _ _ (0.11/
1""0 ~I'\RM ~ BI!E" ...ltPIlO'.I\:P By 'l'Ht; C"L",O~~ A-"'~OCIA-ION OF ~l TOllSI' Ie .. f( I NO ~'P'USliN1Ano'l 15 ~ A.! 'TO L&QAL V,t..LIOI1"I' 0flI
T><'
AOC;Cv.o.CY OF ANY ""C'J'V1S10f'I I" """~ sPI;CIFIC -AAN$A.CTION " 1'llV-l. IOSTATE BROIl!" IS TMI PFR&OH QUIol'~lro "'0 AOYlSl "" REAL mATt
'l'Q.JlNSAC'TlO~ IF YOU ", ~Jnc lf~l ell TA.>: AOVI~ CONSU~ T AN A"~"O."I"TE PROFESSIONAl.
row. fcrl'Tl ie .... I.blc ""'" lJU Cy r....

N"loC-". lI'IGy b. u_ 0"'" D, n-e~ ", r
nfl'" 't10~
.Ite!' W'\L1 .... ~ It ,. not "'."dt:CI rc oet',fJf'v ~. uM- ••
ASSOC,,, nON OF 'lEALTO"S......, I<..S(N)o tIl!1l. C"QC '>l Ey,q
oS ~EAL. ro~ REAL TORe IS .. 1W'9131et'8d COIIllCU" ~~ t'NI'I
(SlFf~ ~~~1:;'-:::'~~I.lJon
• ,, .lJf'Jlfl'T1 'l('f' ~.""A't'"
RPA.ca R!VlSED '0102 '~"GE 1I OF 8)

•
01 FleAL TOR~
e.-.UFORNJ.l RfSIOt!HTlAl P~CHA~I"'G~a1!HTI~.·C" PAGE. OF II
~a~ r =:J ~. -_
t.\..-c
'~9:U0.7rx
521 / 745
~~",
10/22/200'
0':
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p~ 12
PAGE 10'15
~~
C-'l/I'ORNT"
,,~,nC'i\T10N
BUYER'S INS~ECTION ADVISORY
Of R.I:A U 0 R.S· (C.AR , , _ ~ ~ '0102)
Propel'lY l<aor8SS' ::g";; PIOcl. ;-::..... ~lv HD1f' CA H;2l.2

___________ ~ iP/'OC)et1)1
A. IMF'ORTANCE OF PROPERTY tHVESTIG,t. lION: The P"VSIC:*l COnditlOn of me Iarld lind JmOI'OvemeMS be"'g pun::tlll.e<l 1$ net
guara:1teed tly ertt'lo1r $ell. or ,;rokers. For tt1. re.a~n, YO<J .~Id condUct thorough inv.st~I,onl of the PT'ooertv peno".lty and ...,11
orof~s"onel!. """0 SMouid provide wntten r~1l0rts of Itl" Inves~tlonl, A general Pllys'QlI 6'SP~IO" typ.eaJl)' dees no/ ~r al upecn
:Jt the Pr~rty n:lr ItImlS 31te-ctlng lhQ ProPerty mit are not CMy5U.y Ioc:8UH:l on the Property If !he prct.S5lQnaIs ~mrnend furtt>er
lnveshgil~ons tncJudl"g a recommen<laron by • pest c;onIl'04 oPer.or to ''''''llect in.oceSsibl. area. of !he F'ropert)', yev ar-.ould oonta.et
QUilof,.c expell5 fO COnduCl sud\ adOtt,onai inY'e'Slo<)attO!"l$,
a. BUYER RIGHTS AIID DUTIeS: YOu haYQ an 3ff,~jy. duty Ie e,..rdM ~.$Onab/e ClI~ to Ofuled yourMlf. rlcl<ldrng diacxlvery 01
the I~I. prllC%Ic::J1 and te<:nO,c.l ImplicatIons or disclosed faaa. and ttle inVlI$tlO8lJDn lJM ".rrllcellcn atln~llOr1 end tBds ll'u1 yo~
you e••rou thls nghL ;Me you should. you must eio 10 In acc:crcume:e with the terma of tf'\M .eement.
te:now or mat are w/tJ'lin your dWgent attllt'ltlOn and OtlWlNatJon. Th' purcnaae 8gr..,nent 9'yes)'QU Ule nght to investigate ~ ProgeI\Y. "
This is lIIe be$t W8Y lot )'OIJ to
"rOllet ycur~r. It IS ext~y important tor you Ie read cUI _rirlen repot1S proviclld by proleUlonall .nd I.e dl5C1JU ~ rHurts at
Inf;peChons WItt'! the profes~1 wno conduaec the Incpealon. You nave Ito. rigI'It lC tequKt that SeIer make n!pall'5., COfr&CbOns Of
:8\(e otner ~r.tiOn cased ,lpOn ,tern, discovered on YQ.Jr in....sflgahons or dJtclosed oy seller. If sel~ is UMWlIIJtIg 01 unable 10 saWfy your
reOUesTS. or you do not w;ant to pun:ha~ tne PJ't)pet1y in ItS Gilsclosed lJncl diecoYereel conditIOn. you nave the "ghl to <4nc::&1 h
agreement rt you act Wllhln sPecrtic time penot21 ,t you 00 not cane" !tie agreement in I timely and proper menner, yt)u may lle in
tlreac.n of comrad
C SfL.L.E R R/G"ITS AND DUTIES: seller 15 !"8Quirecl to dJSdo'. to you mat.nal ~ets known tc nmtrler \NIl IIf1'ec:r tne v.,e or
~rabiht"/ of tile ProPerty. However, Seiler may nol be aware of some Property defeas or COnditiorll. s.II., Coel 1'1Qt have an oI:lllgallon
10 lrnr.peCl the Property (or your oerefll nor IS seller obllgal8d to r~", COI'l'ed Dr otherwise cure Itn~ defeCti that are disc:fOSed to you
O~ creVIOL$ty unknOW" deleos fNIt we di5a>vvnJd by you or your 1ItSpeClCl~S eunno NoCfOW. The purd'lase l~nI OOI:giltes Seller r.c
make the Pro~y ava,lllble te you tor i,.vesl,~iofll.
o BROKfR OBLIGATIONS; Brokers ClO not hav.. oxpertiH In a' arees Inc 1tl~. cannot adlltSe you on mIIny ilarrII. auctl II 10"
stability. ~.olOglc or "l'Nd"onmental condnions, hazardous or llegal oar:trol~ subs~noes. 5Cr\.Ic:tural conditions oIltll founa.uon Of 0It1...
,mprovemenls. or ttl, condit>C\" of t:t1t roo1. clllmlllng, heating, BY cendllicnl~ etec:trICal, -.c, 5e94ic. waste d~. Cll' otfI.r ~yslillm.
The only w.y to a-:Cur.tely (WIlrm",. !PIe condrtJon of the Proper1y ,. through an ~eCllon by an eppropnAlll ~n:rie~1 M6e<:l.cl by
you. If erOl<er gille' )IOu r~ferrall 10 llllen protesal 0 I\als. Srcller oou not lluarant" their f)Crfomlanoe. You may 1.1ed any protn,Iional
of your ct'loosrng In saleS inVOllling residential ewell'nga with no ~ tnan four uniU. Brokers have a ~ 10 m8k2 • diligent ~I
,nscec:t,on 0' the aceess'rM lI~as of the Pr~rty and to dllclose !tie retultS of \tIiIt nspeetlDn, Howc-.•1 some Prcpe!1y def.cts Of
~nljrtlOns may 'lot be dlsCOllerabl1 frum a II/Sua I inSPectIOn, it ... pouible Broken 1111 not aw.... of lhem, ~ you nave ent.-cd il'110 a
_men agreerrent WItt! II Ereller, tFle spKffic terml of !hit ~ n t will o.tR~ lne nstu~ WId £JIUH'll oIlI'IlIt Broke's duty 10 you.
you AR£ S~OMG~Y A.O\l\SED 10 IHVESTlGA~ THE COMDffiON AND SUI1ABlLIn' Of .a.u.
A5PE(:1'S OF THE PRO'ERTY.IF
YOU DO NOT 00 SO. YOU A.R! ACTING AGAINST nilE ADVICE OF QROK!RS.
E. YOU A"e ADVISED TO CONDUCT INVESTIGATIONS OF Tlii ENTIRE PROPERn', INCLUDING, BUT NOT UMITEO TO THE
FOL"LOWIH(J:
1. GENERAL. COIl/OlTION Of THE P~~TY, ITS SYST!MS AND COMPON!~S: FDunoabon. roof. ~umtling, n.tin;. • r
conditionll111, electncal, rn«t'1l1nn::al. MCUrtty. pooI~a. otner stl\JdUnll lind non-Slf\JClural sySlems aM components. fixtures,
tluill-rn 100.ancas. IIny pe~llal prooerty indudlll<lrn the ,",Ie. Ind ertergy l!'tl'Ieieney 01 the Property. (Structural engllleerl ill. beSt
suited to decllrmtne POsM/, design or COI1slfue1ion defects, .,,0 wt1etner Improlll!lTlents are stl\ldura~y sour-d.)
2. SQUAR! FOOTAGE, AGe. BOUHDARlI!S: Square1l:lota9", room dimenSions. lot Sll'. age of improvtments and bound.."es. Anv
n\lm~roCll\ SUlement, legarein; trllSe Ill"" are APPROXIMAnONS ONl"1 ano have not baer'l venfied by Sellei' and camet be
.... nlJed by BrOl<e.~ ~.ncea. hedges. WIlli•. r.taning walls ana atl\er Ilarural or conSll'UCletl ~rriefl or marllers do not nec-8uriJy
loer>tify trull Property bourdllr.... (Proot.UICnllla ~ as appreraera. i1rt:nllects. t.urveyors and eM enginee<a ilrt best lOlled to
de!ermlne SQU• • fOOl.age. d,m.""onl and bOundltries of .... Propeny.)
3. WOOD DE5T~OYING PESTS: Preunce of. or eonditlons lillely to Ilad to tM pres_ce 01 WCIOCI deS1roying puts and orgllnisrna
arlt:: O1ner ,nlestN>On or 'rtfection. InspeCllOn ~~ cnvenng Illese ,!ems eat\ be separated 1l'ltC two ,echona: Seelion , iaentil\es
ar~IlS wn.re InfesutlOfl or ,n1ec:,on II eov.oent Sec!Jor'I 2 'dentifles .,.s wt1ere there are conditions hK~ly to lead ta .m.stalion or
nleetlon A reW'stetlJO Slructural pest COnlral COFTIPany II lle$l Suited to per10rm t~l!Se ,nspet::tionl.
"Tne <:ellyr9hl I_S 01 tn, Url~ee ~~e (Tille " uS, Cock!) rorOOCl N
,,",vth<l<<4t!e "'l"'cx:...:t1O" 0' t~~ tc"" Of afly l)omQfI tnelec1. b'/l)nOlOaloy 8<Jywr. In~l8~
s.."',.. 'n~ .. ts (
\
$ )( )
(;)
-
-neerll,.,. 0' It..,.. om., "Wa"". '''<:1..0,''9 tac..·",~ Qr C(ltT'lIIutwn~ed 10""111. )( )
Copyng:'l! ~ '~'.2002 C"'L1~ORN'''' ASSOClATIO.... OIF I'l.ElIlTOA~.
'NC. AU R'QrtTS ReSERVE:>
!I ~hC"'" Ity 0 _
I
.',.~"
BIA. REYIS~D 10102 f!""GE 1 or: 2)
8UYER'S INSPECTIO"'l ADVISORY lelA PAGE 1 OF :z
""gem.: N,v'e S,",U" ~: Pl0,",'81835 ,rax; r)10) PrlperwlllllOQ ~Fo""5li> loft..,.
8fOk_ ell..... " & Grift,n "Nllo~ '33.3 Welt'<ooood 8Ivc. . LOll AltlIelee CA IOO:M
522 / 745
10/22/200'
_ .•• ""'-_."~'--
15:'2 4IIlc_"~
~!'I'\..l:r'lj
310 21'
MARA
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.. J
se"'22-Q4 3:S7Pllj
PAGE
PAGE ""5
13
i'rwe<ty """'es&. ~-Z.-.., 0.0-.... ~!IE.zy " ..,;;,[ CA .o.zu DetI: .i.E"" 200.
6. SOIL STABlU'T'Y: ExmencP. of fli Of comoacled SOi. ~11SI\IIt Qr IXltltT3Ctlng soil. ~tbiMy Ul ~~ •• ~ll CflIl"llM!tMflt.
an=' I/\t a~uacy Of d"8 rn8oe· (GcolfoCl'lnlC8l eng..... rs a~ best ~iled to ~rmJne sud'l ccr-otiQns[ cause. and ~madies.}
S[ ROO": Present COncl 1tJ()t': [ Ig'[ 'eallS[ ar.d remawtmg LIU'IuI fife. (Rooting con\J"acaors are tlest surted to OoIWrmI,.. 1"eM conailona )
5[ POOL,JSPA; Cr8CkS[ lwl'b or o~ ... tlonal PrtlCletTS (POOl convilC1Ot5 we beSt ltUIa-G to 0etem1n! these ccndJlio,.[)
7. WASTe DISPOSAL: TYl'e~•. aoeoLJaCy. ea';laOty antl condClon 01 sewer I!~ sepne sywems and ~ . connec.t,on to
~ ...,r[ and "ppllOab~ - .
8. WATER AND \jTIUTES; WElL SYS~rob ANO COMPONENTS: Water and UliIity ~iIllalir.1y. use reslr1CtiON a~ w.ter c:osa.
Quality[ ac~ullcY. oorldwlOI'1 ana oerfom-ance of well .~ms <mC CDmtlOne,.,..
9 ENVlRONMEI'CTAl HAZARDS: Po\enliat env"onmemall'lnerds. indudln;, bUt nal lmiWcj Ie. ubeltos. ~ad-ba5eCI paltt ar.d OU*
leaO eontammatlOr.[ radQn. ~ne. oth.r 'ijaMt.. tv.1 001 01 c:nem,c:Bt s~ tal\ks. OOC"tanlnat,CS SQiI or ~er, l\anfdou. wn1e[
wasta d:soosal snes. eledfO m e9T1-"c !'IetOi nUClelar sourc..[ end other su~nca. male"aJs. products. or CXlOcIicianI (r~~
mold (atr1Xlm.[ I(>)<oc or otrlerwrse). fungus Of lima.. COrTQlTljl\8rD). (For more rnlOrmatlOll on tr-. ~[ yoy may consUl en
~pp<opr"le proleurOr1ii11
or 'ead the boo~~ "EnVlr'Q<'lr'nerrtal Hazardl: A Guide fOf' I-iQrneownera. BlI)Iera, ~ndorUa ."d Tena,....:
''Prote<:! Your ~a""ry From Laad
In Your Morna" or boltl,)
, D. EART!'4QUAI<ES AND ~L.DODtNG: S.-oeptibility of !tie Property lC NITtlQUlkaiMisTT'ic: hazania and pro~ity of tI'le Propeny to
flood. (A c;..OIl.>gIST or Ge0leCl'1~1 Englnel!'f 15 best IUIted to prov,de Irtfonnatjon on tile- amditlons.)
11 [FIRE., HAZARD AND OTHER INSURANCE: Ttlel aVaiebility ana COIS of ".eesnry 01' Gesll'ld irllurance may vary. The loathon of
the Pr:lperty II'l , seISmIC flood or ~r8 r\aZard zone. and other CXlf"6tlOrtI. IUl:tl aa IN age at IN Property snG "". e/aIITIi rllstory 01
the Propetty Ifle BIJ)/el[ may a'fed \he aYllllabil~ ana nHd tor eenairl typel ci irIsuranc•. Buyer lhould ~ tnsuranc:a ~
~arl}' ~ tni, ,nformellOl1 mey affect other oeQSlON. inc:&lCling the remcv.' of loan and I1lIpedion CDrTli ngena..[ (An JnSlJI'lInoe eoet1l
is ~t lUlled to prootide InlormallOn en these condillOnS)
12. BUll-DING PERMITS, ZO~ING ANO GOVERNMEffTAL ~!QUIREMEHTS: Permitl. i""PC/c:tiOnl. CIlffleates. zoning, 01NJr
governmental IlmllatJOns. restnalOrl5[ and rt!:QUlramenll lI1t'ee:tong the CU'nlrn Of fuAJr. use cllt1e Prcoeny, iCS Cle'VelOQtneI'rt ~ tID.
(Sucn1n1ormatlOn is «VIIII.OIe hlm apprcpnate govenvnll1ta; agenc5S ana prMlt_ ",fom1IIl1on prtMClel'S. Sroltera are not qualified to
'l1V;t-w or 'nttNPret ."y

.ucn informatIOn.)
1J[ RENTAL PROPERTY RESTRICTIONS: Soma ClUes -el countiell i ~ reatJ'ic:tiOfli "'at limit lhe .mc:MJnt of rent It'I-' CWI be
cha'Qltd. t"e ma_rmum number of occupltnl$; ena tile 110"1 01 a L8rldlord to ..~ I ten I ncy, O.,ltdbOI or olher IOCU and .~rit't
,vetil"'" to" OOO~ ane WlnCOWS. ,"~dinll WlnclOW DaTa. Iho.&d tie ftarnlnecl to determine wtlelher Iney u~.fy legal reQUirements [
\Government agenCIes. can prCNlde ",formatTcn abour theM .....ncliOn& and otner requirenwntl.)
'4. SI!CURrTY AND SAFETY: StOlte and local L_ rowy requ".. tne flatallavon of bwriers. IIc.oe$1 aLanna, Hlf-8tc:t1lng mechIIn"""
el'lCllor ot"'" measures 10 Clecreau the nlk tD c:t1i1dren and otner perlC)ra 0# eltlsting swimmIng ~ools and hot tubs. \'.~ a. -" _
fire safety "ncl ot~ measures concerning oItlcJ' fe&.lres of the P~rty. Co""",i:lInee reQUIrementS oifter from City to cIly ancl c::ountY
to r:Ounty. Unll'lllS specifically loreed. the Property ma~ :lCl1 be 11 erJmph.nc:a with these reolJlr.mera fL.oc:aI gowrnmenl &genc:tel
can pr'O\'lde irlformaloon abOut It\e~. rettrietionl and other /'IClUlr;,mt"I.)
15. NEIGHBORHOOO, AftEA, SU;CMSION CONDmOHS: PERSONAL FACTORS: Ne!OhbcmoOd Of • •a condltionl. ircIudng
schoots. proximIty .,,0 ~cy of'" e ~ crwne aIIItJs:iC&, Ihe pr~ 0# rwglSteted felons or off.,ndllrs.flte prOWdiOll.
Olner gcw.mmenr seMCft. ,vallaDifity. aoeouacy and ca.I or ...y ~. W1re1e&l lmemet conneClO.... Of Clr*
t~.commlJl'loeetlOnl or orner lechnolOgy ServtCIH and lnJtallaCionl[ proximity to commu08l. indultNil or agriC:ul~. 8Cl1vft....
ellll5t,ng ltf'lCl propo~ transPQrtatton. conatnlCt,on and o-Ilclrclment that may 1It'htet no.N. view [ or trafl'le. 8lroon noiae[ nOlaC or ClClcr
from It"y sou roe [ wild <InC! domeltc .'llrT\llls. other r?IlSIInClIl. t.zanss. 01 ciroumstancea. pfOleC\ed .~. .[ _tJand propet1leS,
bolanosl c<seases. h~toriC or otner pemrnetltally Droteelltd IItft or IrnproYemerns[ oemmnes. f8cilrtJeS and condr~ of COmmon
.rellS of common Inl._51 lubo,vlIiona. ar1d ~ollljb" lack of ODr1'1Pliance witt! arry gO'llltnllng docurrwnta tl' MoITlllO~ AsIOCllltlOI1
reQuirrments, co"ditlons and in1ltJef1QJS of !lIgniflCMla! to certain c;unur.. anOJ~ religIOns. and pe~" needa, requreme"tI II'Id
preferences 01 BlJyer
Buyer .nd S.'''' ICiVlOW\e09' l"ll ~ "'-' 8'011'" III eo. not ~ whit oncz Buyer ,"oulll ~y or Seller _Ill s~ (II) Don IICl'I
guarantN ''''' cc:t1ditJon of t~1 "'roo.l1y; /til) Ooet not ;V....'"'" Inc W'!om-a.-. adea""cv or cor"1(lletenea oI,nsoec:liClnl[ ...... c..[ pnIl:IUCII or
"!(llq llrovooed 01 mlde llV Sell.r or otIleI'I: (i\/) Sl'tIU "DC be ,"po'" for' IlIeMIfyIIlq <ltf.eta :nat are nat iUlOWI' to ~ ~nt1 (a} .,. ncr lr.uaJI\I
u~rvlb'- on .. ~on'bly Olconu,1e 1 .. 81 ~ tile Pf~; (ll) _ " CX>mrTlOI! I~.: or (C:) 1/9 of! ,... ai. of 1M Prope~; (lr) $flaJ not De
ce&con"b~ le, ,nspect,"l:l pubhc ll'CiO.ca O' ~rmo conoet'"ing !f'e title or .... rtf P,gg~; lvi) 5~1' not t>e 1\ISQOIIS'tl6e lor IlIenutvmg .". IDC1l1On or
eou"llary linn 0< Drne, lie",. .~~ rftI4: (VIiI 511" 'lOt be resOOMibie tar ~""'1f1Q . 0 _ fllocage. reoruantltJor'e 01 olherw or Infa~
COIllalMCl ", InYelll;lbOn "IlGna. ~ LJ11Ing 5erva. -etvflllSemnls ~ 01' ot/ltr promollOl\31 maMri.I~ frill SI\alI not be rnrpor,alt-. for
"".r";
,nto by eu,...r 01' seier. anG (a) S~a nor I» _00".0. b' -id1n9
"rovlClr"~ Ill/II 0' \aIC ~ ~1"""9 Iny _ _a d I "nuClIOr'I
01"" aO",ce Of ,,,fOff'TlllllDn lMlt ex~ rr. knOW*'9I[ edUc:IIll;tl and ."llIf'II'lCli ~ui<wcllo ~ m ,.., . .
apr.. 'D ......
leg~;. t .... ,nsu.-nu tillI ."el Dth., oe."'1l
."'atlno!' from 1I~_ protwlUonatt
"I.
IlGeI'IlICd ~tty. BlIYIr."., $eMf
By SIgning belo.... liuyer and Sit/lor aaen ackn0wt.d9a mat they hne read. underal:lU1Cl, ac.c.eF'l and have rec:~~ a Copy of
this AdYdory. BUy.~.ncouravectIII rwd It ~efUlly.
8lJyer Srgnature Cate
Seller S.gnatur-e-- - __, Date

Seller Slgnaturw Date
Jo~@ph Z/I%nJ:.i:
THr~ "0I'b.I ....., seEN ",,""'oll;e ,.,. ,.,..~ r..:...

,FORNLA ""ssoc",,nC>N 0' ~LTO~ rc ..... R[, NO RE~SENUTIC)" 15 "'''D. AS TO Tlol; LEGAL VAUOfTY O't
~D~CUACY OF A."''' ~ovrstO" "ANY SPEOI"IC T~I6:ACTIOOl .. ilEAL E~... n; ~OI<'.R IS ~ Pi~ QY.'\oJrlCll TO J\DVl6E ON 1Il~ 1!$T.Tl:
·'V.N!>ACTIO..s I' rou C1!~IIlE "!G.L Olll TtVl AL:Ma; CO+ISULT "" .PPRO""'-ATC "1'l(lFESSI()H.<II.
.." l Io~ [•• y.._ .....

s.e ::v .... an.,. .....m"
,nolA"'" n tS r>Ct ......noea '" 1CIe"llf) 1M ....,. IIlIAol.TORe 1'lEAl" TOil. " • ,~ cr:>lIeCtr.e . . . . . . - . " INI
-"'~ ...... bll_ ~"I) ~ fTWlr~ olll"oe "'''TlOM''l. AS!oOCI.. nOfj 04' 1'l!Jt,\,lO'lM ""'" 'uDIDl '" Itl c..... '"
lll'oe:l ~
~~ t .. ~ U~..t::'tT'!':·.
FUOI .. neobylllt
C.~I'f<>·~[1 AU<lC.-tlon of Re"tJ[TOR6C!: f_R'!y,_:>y
_
Ollll! i 1S.I
__
_ ......
alA R£v\SiO 101GZ <"AGE 2 0" oj

BUYER'S I"'S"IiCTrON AD\lI~Y (..... p"aE 2 Of' 2)
523 / 745
10/22!2ee4 15: 42 .0")31 "" I \J C', 4a~j
~ a J SE~·22·04 3:~9Plllj
PAGE 14
PAGE 1211~
Ci\LIl"ORN/""
" S S n C 1 " T , (J /'oj
WOOD OESTROYING PeST INSPECTION AND
" Of ~!,,, ITn IlS· ALLOCATION OF COST AOOEHDUM

(C.A.R. FOftII WP~ 1WvIMd'0I02l
~
T'iIS IS an aodendum 10 L,e Gj Celrfomle kestd.ntial Purc'1ase A~eel"ne'"l\ or i:J Ottler _~_--::- ~--:~~_
- . ' '"Agreement"). cateet Ser;t!mb!rr«, 2(J04
on property known as 320 So P.d DrH'e, ~rly Hill •. g 902%£
belWHn _ Nj ~i. S~n CProperty").

and _ _ !:!...J~O$:!lephm ~.pM ("Buyer"l
(-Seller").
THE ~OLl.OWiNG SHALl. REPI ACE THE 'l1OOO DESTROYING PEST INSPECTION PARAGRAPH (4A In the CSlrtcm..
ResIdential Purchase Agr~ment (RPA-CA)) Ind sniH 5Upersea. any conflICting lltrms in a,-,y prtMoualy-generated
2lgreeme~1:
weco OESTllOYING PESTS

A, 0 3uyer ~ Seller ~ilil pay for a Pest Control Report for wood d~Ylng pelts and organISmS only C"Reporr).
'7he Re~oct snail be prepared t)'; Sell••" ehc~ Cle . a registwreo struc::turW pe5t
::o,trol ~mpany. whO Shan separate ttle ~epCrt into sections for evidenr Infestation or Infection (section 1) anel fOr
~:::J~dJtlans 1ij(l!ly to lead to Infe!9ti:lIlOn or Infection (Section 2). The Report snail cover Itte main budding and ~cned
structures and. if c~ed: IX det&lcned 9&ra08$ and carports, 0 detaetled deeks, 0 the following other structures
on the Property' __ _ • _
Tne Repor. snail not l~cJude roof covennga. If the Property IS Ii unit In e COndommlU/Tl or otI'1er common Inle!'eSt
subdiliis/:>n m. Repel'! sh.n include only the separate merest end eny exelusive-\la. ~ being tnJns'-rTed, ana
shall not InClude common .reali. Water teslS ot shower P'!ns on ur;loet' level units m.y not be performed unlen the
owners ot property belOW the shower consent If Buysr requests inspection of Inaccessibfe 8re1ll, euyer shan PfIY ""
Ih~ cost ot entry, inspection and closmg lor tho~ areas. unlPq othel'lolise agreed A wm*, Pest Ca'ltrtll C.niftc8tion
snail be Issued ~nOl to Ciose Of Escrow, unless ettlerwfle a greet"'. only if no infet1ation or lI'lfection Is found or If
reqUIl-ed COfreCb'l/e work i& completed
B. (Section 1):J 6uyer ~ seller shall pay for \llt)rk reoommended to c:olTed '~ion 1· conditions descnDed in the
RQpon and tne cost of,nspeetion, entry end Cloling of tnOH Inaccessible areas wtle,. ac:tNe m~iltiOn or ,"fediOtl
1$ dl!covered
(S.ction 2) 18 Buyer 0 Seller Iflall pay for work rlIGtlmmef1ded to COllect 'Sectlon 2' conditions I)eScribed In the
Report if r9Que$led tly &yer.
BV signing belOW, ttle unDeBigned acknowledg. that .ach has r•• d. underatilnd. and haa rwceived • copy of ttl..
Addendum,
Date S.p5~~ 1, ;J()(I" Dllte S!Et...pv_4::..,.......2...0:.=O:.::f~ _
,/ ?
Buyer ~wa ~
~~am.a!'l
Se~er
Jo.~ Z • .rni.Jc
Buyer _ _ Seller _
,."V<...,".r'o~'_e·,.. .. urt""Su... '''''~ I~.s ''''''''_rne....,.,..,o"..a~C' ....

Io.."' 0lW'f~~ IJf ,~~ .. "'..., _ _..
n.;Il.Cl/ny IK.,,,,, ~r :::>~·p.II9I'• .., fo'rnoa C<::l'f''9f\lC 2:102. CAl"ORIjI" >\5500"110'" OJ' REAL. TOf\SII. INC ALL RIGHTS lIli6eRVED
THIS 'OIilM -.AS e~EN II.......OVWO IY 'TH£ CAlI'~N'" ....s"OCIATION Of /l.£Al.TOR5e (e All.) NO R.PIIIE5I!,.".... T1OfoIIS lMD£ "S 'T"O notE LSaN. "",IDITY 0'1
ADEOU,4CY OF /I"'~ ""01115/\)01 IN "'Iv S~tClnc T"A~~T1CN " ~ ESTA'n lROI<ER IS n-E ~RSO" QUA,\,.IFIEO TO Itl\ll6l ON ".EA~ !!ST"Ti
1JVo,N£"C'l'IONS I~ ~OV ')e~I".F '.F.C"L 1)11 T.u .o.DV1CZ CONSULor " ... I>I>Re-lUA~PRO~SSIOHo4l.
T~", to"" '. '
~""'~ - - "" u
01' I:J. '.-. ey 711 _c ''''1 ••_
0-., ':\' ~,.-__
'...,.,..,.,. • ol "CI' .." • . - :0 I-'Y N _

~ , R!AL TOM "!AL T~"

01 'NO "'.'TIONA' .-.ssCCl,I. TlQN 01' IQAl TORS~ 'Oft) &.>DlO'l~ Ie III CoOt r:I f:rel.
•..,..- ....._ .......

OC....1ll _"'
CSlRE~ ~ G)
. .~:..:
\l¥PA ~IC 1Q10:l (".loG. 1

P"b.an.a lly
O~ 1)

CAlif'll"", " .. acat'on of ~E"'L rOR~ ~-.::l'o 0..
..J
.........
....
WOOO DESTROYING PEST INSPECTION AND ALLOCATION OF COST ADDeNDUM (WPA PAGE 1 OF 11
.o,1't: Nnr.. SA .... .." Pno_, (31 014711 ..11 ~n, ("10) ~ ""'8 WI....onnlCl aem-
Brolcer: G,IIe",n & G,;Hio' RUllors 1133 _ .. r->oc:l aMf . Lee " "Cl41M CA t002.
524 / 745
SENT BY: CeU"ELL eA.. ) 31e 271 .834; • r ) J4 ':54'.; PAGE 1/3
~
/A!'?OLDWELL BANKfR PRf;VlEWS
~...::_--------~+£4..r-
A CONFIDEN11AL FAX
from the office of
Michael J. Libow
Businw Phone: (310) 273-3113 x 169 Facsimile Line: (310) 858-7842
To: ~~~ ~ ...

fu Number: ..~;Z ') £'t1 ") q;,:t S DaIC W Time: _ _
Rc ---::::> d-CJ ? 7~ Number of Pages To Follow: ~

,
MESSAGE:
Dc '=llCDQ- ~r.~1·
I
COLDWEll BANKER
J66 NOrrh Unon Drive. Beverlv Hills. CA 90210
EXH!2IT 2.
525 / 745
\.. 310 271 ~8~: ... .a S' \ 0. 3:S.PUi PAGE 2/3
1
--'!NTER OFFER No. ~ j~ CALIFORNIA
(For lIM by s.•• or Buyer. & ASSOCIATION
Mey be UMd tor MutUpIe Counter 01*.)
~ OF REALT()R.S~
RESIDENTIAL BROKERAGE
IC.A.."- Form ~", RewlMd W'I) ~.
p~ v,, MILlS
---
e.a-.
("OlI~.
~ =7 P;:( " " D "= f"Praoerty1,

. rsewl.
O. The 'ollOwlng .t1Khed ~~~orporatecllntr\Ia COunI. 0fIIIr: ::J ConIrKl AdcMndum No. _
1loL~_ -~\lJtA._ 0 ~~------
2. RIc!HT TO ACCEPT OTHER OFFERS: Seller r_""'I' ml ngt'll 10 coot..... 10 oller !he Property tor . . . t'O( tat other t _ . and to _ p t
any other otter a' any lime poor to communteallOn 01 acx:.ptanol. as aescnbeClll'l paragrapn 3. a Seller ~'" Otte'. s.I.... accelllance "tnla • j
of another oll.r poo' to Buyer', Icc.p'ance .nd oornmunicallOO 01 accIIllBnCe (11m.. Coum.r shall revoke I1IiI Counter Ofter. 0tIe'.
3. EXPIRATION: UnleS! acceptance of lhill Counl.r Oft.r iI SIgned by m. Buyer or S.M.r to wflOm "'1 _to and communoClnon of accaplance J
rS m.dl by dellvl"ng • Slgnld Copy. which is personally
reclived. '0 Ihl pe'lon making mis COllnle, ONII 0' j
to_~ 'cM~ by 5:00 PM on rna Ihi~ ~ndIt Clay atl" Ihll Counl" Ofter •
wrl1ten (or. if Checlced:~ 0111'

• lima ~~IhiaCounler Ofter 'hall be aeemect
j
'evOkld and tnl OIPOSrt sha" be relurnltd 10 8 r. Th. Co un'" onlr may bI .. ICUled in counllrpart&. ~
•. II ~ Check.d:) MULTIPLE COUNTER OFfER: SlllIr II makIng I Coun"r Otter(.) 10 Inol..., prcapedrvl buyer(s) on ,...... rnat mayor
may nol bl Ihl .ame IS In Ihll Counter Oller. Acclplance of this Coun..r Oller by Buyer Ihail rtOt bI bInding unll. and until II is ~
I
subseQUenfly II-SIOned by sell" In paragraph 7 below and communlClltlon of Seller'. Iccaptlnl:e .. mlda by dehvenng a S",nad COpy. 4
,n perlOn. by mail or by fllcSlmlle. whlcn II perlolla"y ree.lVed. 10 Buyer 0' 10 ~'\)";E~ AAJol. . . Prior 10
the compl.lton ol .11 of ml.1 .vlnlS. Buy!r lind Seller shaM have no dulll' or obhga~onl for thl PIln:tlaM or 5111 ot trlII P,operty.
1
l
I
5. HIS COUNTER Of'''I!R ON THI! TEAMS ABOVE AND 't!1Nf~';.Df~S RECEIPT OF A CO,Y.
+-~:» _____
oal·~0
0111_ ,•
SUBJECT TO THE ATTACHE
l,
6. ACCEPTANC
,ecllpl 01 I Copy.
Dale Time "WPM

___ _ __ Dale TirM AWPM ~
7. MUlTlPll! COUHTEIIl Of'R,A SIGNATURE LINE: By -'gnlnS! bllow. seller ICCIp1IIltIl. Muftlpte e-nler Offw.
,,
NOTE TO SEUER: Do NOT IIV" In thi. boa unlll Ifill' Buy. 'I9n. In parag.-ph 6.) (PI~ph 7 applea only " parag,., 4 III c:Nc.....)
Data _ Time _ _ AI!IIPM I
Data TlfM AIIIHI
e. (__ _1 1 (InrtlalS) ACkNOWLEDGMENT OF RECEIPT, The milker of the Counter Oller. or thlll person's lIurnonllCl agenl as spacihaCl In
pa'agraph 3. (or. rl 11"1' /I II MullJPle Coumer Offer. the Buyer or Buye, 5 IIUlhOnled llgent as SPICif\Id '" paragrapn 4) 8CIlnow\ldOlS rlOllP' 01 a 1
,
Signed Copy 01 tho. Counter One' on _ _ .... (elllte). al "WPM. •
) j .1 ",,:' ,J..", . . . '., ,,,,,,.~,~~.:.,,:.~~,,, ".! ....... :. :1. •" ' : . . . . ·1' :.';.';:::L. ''''I~, 'II, I: I ".'~i' .. l•. ·,~.,.·~':,-.:'::·L..t.~· .J' •. " ... ~"'·I •. Wl''''-·:
~~'~?'~o:'M~~~:~~~~J'.l+~~'t~~~~~~~~~~~W~~~E~~~~lg1'~t:~~S~~EW;nETL.ffi:'~l8c"sY
:ry~8i'5~
LEGAL OR TAX ADVICE CONSULT IV< APPROPRIATE PROFESSIONAL.
Ill """"....,
-
;;'~~~mo::v.~=:IS~::~T~~l~'1',,~~'R1~Eh;,;rs.;-:,:~",,;':'c-':"::W~ ReALT~
I
... - - CD"eCt ... _ _ ....
@
1
Pul>oahed
' , HE-olL - E Dos"""'*'
EST..l eUSINESSt>y SERVICES 1"lC Reviewed by
., ~ ~'Y 01_ CA/..II'ORNlIlIiSSOCIllT/ON OF RE'.4( TORs4f
•I !>2!i So.-. Vrgi ........ loo ~ c."o",.. 90020

CC-11 (PAGE 1 OF 1) Print Oar. BOC Nov 01
MASTER COpy
COUNTER OFFER fCO-11 PAGE 1 OF 1)
Broker or 0.''0"" Dall
-
-.-.
526 / 745
SENT
..--
~Y~COL~~8. ) 310 271 "834; • Joe. 3:55~"j ~AGE 3/3
~
~
!ll:SU If..'\il~ 1It\.JUIU.r.£
ADDENDUM TO REAL EsTATE PURCHASE AGREEMENT

For rho pun;hu.,' at ,hc prurc-m lOCIIN al
~;2D ~Q~ ~ d~rN
I. roNE DISCLOSURES: ADDITIONAL DISClOSUIlf RI.POKTSII'ERMITS. I h. IOn. iliscluov,.. rrpo". \0 hr obr:lInnl '" ac:\:orcb",,-c w'lh dl.
rfO"lIion, "f Ih. ~r~m.nr will br obuon.c1 frnm rr"l'crry 1.0. USA. 11M U1KllUcloo..rc rcpe" W> be p ~ ande, Ih, Atnc..cnl ,ha1l_ ....
type' ef _ .. a ..... anu itlCllufi,d in &ftc Afrn-nl f.,
_Dido duc...... re is fttIllircd. Th. _ •• eli.d.uarc ~" ahaJl be coo.ickfttl • ·'U 1ll1ftf
di.aoNlft" fo, pvpo<a .f Setter'. and ,,",ken' dYcloaare of dl_ Ulon 0' _ _• bUI .uJ1 _ aINct diodoe..,. .Oli.ui.... ..;ca .....rd . .
.....nerL Aa pan of Bu"cr' 1• .,..n.iOD i._ a..,- _., order .rWiu..alwrin.. 'opons, ., Btoyv'. nf>OAK, ioel....... It•• "oc I"i....
'0 olb.. 'YJ'C" of.rru, 'AJ_.
riJJu, pe, rooal app,-.1L If ,h.... ICC U>V .rr..nuNI add",on, al Ih. l"n>f'C'IV fa.- whidl a perm.. on el'ftifuctt
of occul"'~ ..... nm ob'ained nr ",lll"h an: nol on compli<.nc. wllh .prliablc cod... ~nd ... her b ..., Buyn may hr 'rqUllrJ m i".:u, CllpeNei afL•• m.
rI.>lC of rlClo'" 10 brlO& .IM: I'ro~rry up '0 \:"Jln:n' cod.... nd other ap.,tiabk 1"'1 ur '0 drnlolish rho .ubier' addiuolU. fluvrr -bill ha~ rhr lI"""'r of
d~~s 'l>«ifirJ ill ,Il. "r;reemcnc 10 d;~"p ..",e In .. ririlll! an~' "'I'0n ",·h.eh ia ulI;Ket"!,ubl..' '0
BuY'" .ndlor rrm~ ,nc cun .. "~~ _-laird .. irl\ audI
d's:ll'pro...~l nghl h,- Ihe mcchud J'ruvidcU ill rhe .~mcal.
2. Ft:Rl'JACES. Thr potTlCS are ad\'i<al lh.r Lellian tllrnaces n'&nui;"'lul'e'Ll bv Con",UoJ.. coJ In,h"u'b, aud .. old un<kr '-aria", brand nafT\f1 in C~ilOrllia
br,..""n J 983 and I9'Ji.Iu..c Mn idcnliliC'd:so m~ ';'''OK <If tire. Brol.-.... =,ullmmd, rlu, ~".. fumlLe.r 'he P"'fX'n)' I... ,n'p"·rrd b~ a 'luo1li/icd protn
"<'lUI. fN ",,,re ,nfnrm.tit"" COIlian rbt C'IMwncr I'raclllCU S.fc~· C"mmisa,nll.
J. nNANO.'IIG. II d1al..td. B,,~'t" a~=, ",i,hi" lhn:c (:') Jay•• itrr olt.:~""r'Alh.'t' of m. oHt-,. tu 'PIN)' fur nn.nLing ,hno~ I CnkJ,.dl Salll.n aifili.lNd
lI\on~"f;e a""~"r In an""'a""., wi'h lhr pn,.,"'m. of rho ~rrnnrnl. Tn.. ~rl""',inn sh.1I t>r maJ. al "n coS! or obl,!-,,~uon to, rhr Bu~, wUc:ooIuntil Burer
.urhnrlle. I h.: G.ld_1I Ranu, ..tl'ih:arcd mor\jlafCe ,-omJ'Qo.y r" J'rocft'll with jPflCaiula.nd fin'>! 10.111 proc.ew",. Iha..... nlav .1....!,ply Enr lina",,~ .. iLh audl
orl,,. lc,,,hn~ ..... rer' .. BuYr" .... he>, .nd ll'tarna <he dlOia uf IcnolinS wurct .,..11"011 au!>,"'1 10 the Ilnlf perIOds .,Id orll.r pruvillOn. in mc Atlft_...l.
~ 8UYER'S SUBSEQUENT rUROiASE. In Ih. <,CIII ,hi, t"'nuni.." i, nil( eonduoC\i anci ",,,hin lWei,.. ( I~) mon,h, folkr-.·"•• ho. J~lC of ...i. offer 8uyft
nr am' re~t...1 1)('n<Il1, .oct'"~ ditr<:,ly ttl illdi~-u),. C'l«U1"" an '\In.~mnll I" __quI" Ih. ProperL)' ". an)" inlCf"r III the Pro;-nf)' hum c;.Ucr nr Sclkr,
'ULUoooon"n·,lIlc...., B"l""f Ivrei>~ ~Cftn to pa~ In Broker the Ct""mu..ian Iprcitialln chr ',\«rrctnC'nt. Fo. f'W'P"'" of rhis ,"Perm,.,,,, I ~j "rcl.trd .,.,...,
'n.lucia :m~' J'f~ ,.. Ialed !>y blnnJ, mafr\llC, or h... i"... rdation.,hip•• ,,J Any ,"nil,,' ,.-nld. <nnlro!. n, IS bllltlOlicoJ In' Rulon '" any ,dllC\l Pf'"oUIl,
CAcJUJIlIE: ~,,*cn h""'in. a"d (bl -'UCCOlOl'-in-illlt'Tnl" ind..da....irhoul limi'~lion. allY 1""0" or mri~ whie:h &Cll,utCJ ,he P'0l""rr tn.... SCUe", whel,,"
rhmug/l .."lunl.ry or ,""',)unr...,· rnrultr. IndudillJt fott'O:IQlun:. or by openlion of 101W.
DOCUMEmAl10NCOMI.LlANcrFEE.Bulft .....I.o;.Ucrad;nowlC.d~lh ... FC.JmII.:l.ar....di..r1. .......ISO..l"mmrrll..J •..-........ rf.CI....e. C"Vidnx:r III'

mmrl......:c ".il" n:rlain "l(WaI....I diado.nrcs ....Jlor Ila,rmenb in ",lll/U.":UOll "'im chc Innsl.. ot n:J pmf"l'rn'. Thne ,l, wncnuuoll "'Julrr~" induck. b..l
n'" nu' lil\l;"d TlI. comr1iana wi,h ,he rnrcilln InvalmtTIl ill RaII''''I'erty Tax""'l ll·IIl.P·1 M, C.lifnrn,a OUI 0;<, Selic. \I.'''hhokli", ."O'.(Unl. Loa!
(;uv.:rnmrnr r,opr"' Rc:pnn. ::>m..*. Urocuor anol \I.'a.., Hc.olcr L,,"'pl~1n,'C ~UlCm",I" Krrrulir CAlnl"'i.n,'c Ccnif,c&'''n, Kel E.ID.., lnn.,.frr Oi.dnq..
~ ...cmCI\I, ;\.'~Iuf:ll H~arili Di""~>IlIn $la,cmcnL l....d·BaanJ l'Iinl Di>dOllln:>, unhqu,;ltr .... fel)' Oi~urc, and fnvllOlItlIen,.1 HU'lrcis Di...~.
BUYer a..di"r Seller. It" rc P rcKQ,n1. hy c.,IJwcll Ba..lrr, (~'1I). ill .dcrnio" of en', "..
il.. nL~ ;,,,h. Pl'Cfl4u"on~.,d h"ndl;,,~ oi ,he rt'qu,rcd n""p1ia,,,x
dOLun ..n" .g!<'C '0 ra)' en 'hn><&flh "",row ,I... '"m vi' _. I'I'rrneIlU"lt" doc"nI."nr ....n cnm.,luncr fe<:. ~id '"nlshall ~ ra,.~ '" C8 unly
upon rho d,,,,"~ or
.Ik: '/':In .... non IlOnrrlllpblN b)' rh~ Ill,," I. DUI...,. UJ<J1or ~1I"r aJICl oO<·ltn",,·I~. ,hal '" .d..,i.Hln h' the ~I>c ...... ,...., UIll'l1 loar."
,,,for""'l;on pr",·,urrs .n..l....r gUYrrtlmrrll .Ift'.ics lt1a~·lt"tlui....I....io""l f,-n .nd ,u...
(, CAUFORNIA FAIR PIAN. Bu)"f1' ".~re that ill.'Uranl'" (or COllain hill,i.!c, OCC<lIlI'ron, , .nd "rush "rnperlln m.)' Uc a":&ilablrlllll)' ;n.m Calilomia "..ir
rbn. Thi.s ""'r in.,....(' the' 'OS. 11£ illlu....nu Ii" .uch "ro~ru..•• nu .,,'·rr;t'~ "u~· hr l,mnrJ. Bm...r '.' .uv.i..-rl ru con,"lt wi,h lIS .....n ,"",une• •"u
t<p:arJiTlF .u....'.!'e "ntlcr the' (~ifom'a Fai, !'lan :end In :uluw approainurel>· tOll' 1'\) w.... l" to, rrnc:LHnF (If.lI "rrhL."""
HI,~TO'"CAl.CONSF.RVANCY. Tho- Pruprn.l· mar

h,.. oe..if!nn,n1 ... ~ hi",....,.J J.JIIdm.,lt nr b.. J.... red 'n a pru,r,rcJ hiJrnllLa.I ""UCI"I."CY ."".. wh."b
cnwJ Iimll or ...,rier B,,)'Cr·. abiJi.,. to reft\f..lci or <lC"'C~..p ,he Properr\'.
R. ADDITIONAl. !!'I/VlRONMENTAl. HAZARDS. The' ('.nlCS ,..... • d,,,,·t/ rh.r rl,,, prcJC''';,' of 'fluin ~mdl ul mold>. fun!= ........, '" orhcr o,!"n"'111 n'ar
adv..,,,,j, .,It..., ,he properry ..".j ,he hralrh of SOTt\C uldiviJlIab. Brnk.et rC'CnmlT\<'I\JJ. If I...,,,,r h.., CO...... 'IU rq:archn!= ,hi...."". rhal buy.. conduct h."brr
11IJf""L' inn' hv a qu.lllieJ I'rofn"""a1 ..·,t1un .... 11m. pe,lOd .pccillc.J ,n tho ,,,,denri.1 purch...c ~T<:Cm",r (See allachrJ Mol..l l),.dOSllTC "s""",,,m,'
,) OTHER, _
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527 / 745
~J)an Griffin &'ou~any
To: Michael Libow Fax: 310.278.4934
From: N ivie Samaan Date: September 10. 2004
Re: 320 S. Peck Drive Acceptance Pages: 4
cc:
o Urgent o For Review o Please Comment o Please Reply o Please Recycle
Notes:
Hello Michael. I'm leaving out of town for business this Thursday for a week and would like to
finalize things before J go. I'm liquidating stock for the down payment, but will not be back until
2~t.t
Thursday, September 'HI" to-make the deposit. My lender has my loan application, financials and is
ready to stan on my verbal. Please let me know as soon as you hear from your seller.
Thank you.
Nivie
Nivie Samaan
Office 310.849.3816
Fax 310.823.7218
528 / 745
(;}'"U, '--&.< ':!:'7 ~
_ ...... "oc,.~ ,lo.or ..........y .. ~· }""",,,",Off«. ~

.I" CAL J fOR COUNTER OFFE ..
...
~ J'-EAL.T~. (CAR. Form CO, ~
by . .
.. OF ''''W
Date September 11 2004 . It Beverly Hi.ll. . C.1ifom1l

ThIS II a counter offer to the:
daled September 10,
til 2004
Cillfornia Reslllenbal Purena.. Agrwement 0
Counller 0fIer. Of
. on property known n 320 S. Peck Ori ve
Otner 0 ("Oflerj.
("Property,.
between S~an rBuyer") and
("Seller")
1. TERMS: The lerms and conditIOn. of tile lOOve 'eferenced documenl are Iccept.clsubjKt to the foUowlI'V:
A. Paragraphs in the Offer that ,..qui,.. initia" by III Plrties. but I,.. not initlllM! by III Plrt_, a,.. ellclud.cl from the final I l l _ n t
unl... spttCifieelly rwferwnc.cl for inclusion in oeragrapn 1C of this or another Counter Ott.r.
B. Uninl otherw••e agrHd in writing, down Plym.nt Ind loan Imounttll will be adjusted in the same proportion as in the or-gina:
Off....
C. Coun ter Offer 11 i t~ 1,3,4,5,6,7,8 , 9 are agreed. Item 2 initial deposit to be
~ 000 wi th increased deposit of an additional $15,000 rithin 14 days from
acce£tance.
D. The following atuch.cl supplements are incorporated in this Counter Offer: 0 Addendum No
o O---- ~ _
2. RIGHT TO ACCEPT OTHER OFFERS: Seller has the nghtto continue to offer the Property for sale 01' for other nnsadlOn. and to Iccept Iny other
offer at any time pnor 10 notrflcatlon of acceptance. n descnbed In paragraph 3. If thIS IS I seller Counter ~r. seller'l acceptance of another offer
pnor 10 Buyer'S acceplance and communication of notificatIOn of this Counter Oller, shaU revoke thIS Counter ~r.
3. EXPIRA TION: ThIS Counter O1'Ier shall be deemed ,evoked Ind the deposItS. if any. shill be returned unless this Counter Offer is Signed by the
Buyer or seller to whom rt IS sent iilnd a Copy of the Signed Counter Offer IS personally rece/\/ed by the person making thIS Counter Oller Of
whO IS authOrized 10 receive rt. by 500 PM on the third Day After thIS Counter Offer IS made or,
(if CheCked) by '0 _
(dale). at 0 AM [ ] PM ThIS Counter Ofler may be executed In counterplrts
4. 10 (If checked:) MULTIPLE COUNTER OFFER: Seller" makIng I Counter Offerjl) to another Prospedrve buyerjl) on termathlt may Of may
not be the same as In thIS Counter OfIttr. Acceptance of thIS Counter Oller by Buyer sllall not be bindIng unle.. and until it is lubHquently
re-Stgned by Seller In paragraph 7 below and a Copy of the Counter Offer Signed in paragraph 7 IS personally received by Buyer or by
___...,...._---:---:--:'..,.,.... =-__
...,....,~-....,....""'"'"---,.... .,....._.....,....,....--...,......,.,.--...,...._ '
who IS aulhonzec:l to receIVe it. Pnor to
the completion of all of Illese events. Buyer and seller shall have no dutles or obligatIOns lor the purelll.. or sale of the Property.
5. OFFER: Cil BUYER OR 0 SEllER MAKES THIS COUNTER OFFER ON THE TERMS ABOVE AND ACKNOWLEDGES RECEIPT OF A COPY.
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Dlte Scptt!lllber 11. 2004
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Date _
6. ACCEPTANCE: I/WE accept the abOve Counter Offer (If check.cl 0

SUB.JECT TO THE ATTACHED COUNTER OFFER) Ind aCknowledge
receipt of a Copy
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Olte Time AM PM 0 0
Date Time 0 AM 0 PM
--------------------
7. MUL TIPLE COUNTER OFFER SIGNATURE L.INE: By Signing below. Seller acceptlthis Multiple Counter Offer.
NOTE TO SELLER: 00 NOT lign In this boll until after Buyer ligna in paragraph 6. (Plragraph 7 app'''' only If paragraph. Is cheCked.)
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Date Time o AM [)PM
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Oate Time o AM [)PM
8. ( 1 ) (In ilia II) Corrfirmation of Acceptance: A Copy of sIllned Acceptance was personally rece/\/ed by the maker of the Coun....
Offer. or tllat person's authonz.cl agent as speclfied In paragraph 3 (or. if thiS is a Multiple Counter O1'Ie'Olhe Buyer or Buyerl IUthOnzed agent al
specified In paragrapll 4) on (date) . al AM 0
PM. A binding Agrwement Is c,...1ed
when a Copy of Signed Acceptance is personally raceived by the maker of the Counter Offer. or that person'l authoriDd agent (or. If this
il a Multiple Counter Offer. the Buyer or Buyer'1 authorized agent) whether or not confirmed In this document. Completion of this
confirmation il not legally requu'ed in order to create I binding Agreement; it is lolely intended to evidence the date that Conflrmltion of
Acceptance hal occurred.
Th,s form IS Ivl,l,tlle fo' use by me ~t,re 'eal estate lIlduslry II IS nol ,ntenCled to Identify tl'le uM' as , REALTORe REAL TORe IS a /WlllStereo colleCllYe membe'-"op m1111l
wM:" may be uHd only tly membef$ 01 tile NATIONAL ASSOCIATION OF REAL TORSCi who &ull$Cnbe to ,ts COde of E!ha
THIS FORM HAS BEEN APPROVED BY THE CALIFORNIA ASSOCIATION OF REAL TOR SCi (C A R) NO REPRESENTATION IS MADE AS TO THE LEGAL VALIDITY OR
ADEQUACY OF ANY PROVISION IN ANY SPECIFIC TRANSACTION A REAL ESTATE BROKER IS THE PERSON QUALIFIED TO ADVISE ON REAL ESTATE
TRANSACTIONS IF YOU DESIRE LEGAL OR TM ADVlCE CONSULT AN APPROPRIATE PROFESSIONAL
The copyngnt '-WlI 0' me United S~les (Trtle '7 US COlle) torotd tne unaumonzed rep'OdUCtlon 01 !hIS form. 0< any 1)0111011 tnerllO'. by photOCDtly maen,ne Ot any otner maanl.
,nduo,ng taCSlmlle or compulerlzed formalS Copynght C 1986·2002. CALIFORNIA ASSOCIATION OF REAl TOR SCi INC All RIGHTS RESERVED
t rY:~'''''''~~ ~
(C'"JUt;l:
T....
,~===-'/
SySlIm lor S<.c:ns5 •
CO REVISED 10/02 'PAGE 1 OF 1)

PubllSlled by the
Califoml:ll AssoClallon of REAL TORs~
COUNTER OFFER (CO PAGE 1 OF 1
I
Rev_ by Date
I 1.=.1
. =.=
Agent: Nivie samaan Phone: (310)4781835 Fill: (310) Preparedll5ing W1NFonnlt) 10ftwa,.
Broker: Gilleran & Griffin RealtoMl 1333 Westwood Blvd. , Los Anaele. CA 9002.
529 / 745
.... ~~/3~:2~..e..4",..clI:~~". ) 310 271 .e~ ~ J ~:~9P";
~~
PAC!E. , 3/15
U~
Sep 12 O~ O.:Z3~ ~.3
............
seNT BY: e:~ao'l£:. ~ SANo<.Cil: 3.C 2'71 .&:;4; SE~·'O.Oo' 3:~,",,; PAli/i 2/3
~ No. 0 ~ G.
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531 / 745
Samaan v Zernik (SC087400) Los Angeles Superior Court • •
.)
Memo
To: Michael Ubow
From: Nivle Samaan
CC:
Date: 9/1312004
Re: 320 S. Peck Dr. Counter Offer #2 Dated september 11, 2004
Please be advised regarding the above mentioned coonter-offer negotiation, I will be formally
withdrawlng my offer as of 12:00pm september 14,2004. I am leaving the country for the next week
and will find it Impractical to continue negotiations andJor meet the terms set-forth in the CAR.
Purchase Agreement dated september 4,2004, beyond this date
That being said, I truly do want the house and would love to make it a home for my family and me. But
should we come to an unsuccessful negotiation, I would like to thank you and your seller In advance to.
your time and efforts in trying to facilitate this purchase. I WISh you the best In your endeavors
Nivle Samaan
532 / 745
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533 / 745 (

r
c!lu::)an Griffin & 'oh~any

To: Michael Libow Fax: 3 10.278.4934
From: Nivie Samaan Data: September 16. 2004
Re: 320 S. Peck Drive Acceptance Pages: 2
cc:
o Urgent o For Review o Please Comment o Please Reply o Please Recycle
Notes:
Hello Michael. Please have your Seller sign and date the attached addendum. Per our conversation
yesterday. the acceptance date must stan September 23 nl when I return. Otherwise. I will not be able
to meet the terms of Purchase Agreement. I f you have a more formal document. I'll be happy to sign
it. For Escrow Instructions. please have escrow send everything to my home address: 1227 'Iz S.
Alfred Street, Los Angeles. CA 90035.
Thank you,
Nivie
Nivie Samaan
Office 310.849.3816
Fax 310.823.7218
E-mail: Nsarnaan1@aol.com
534 / 745
·\
September 16, 2004
• j
Re: 320 S. Peck Drive Purchase Agreement
Amendment to CAR Purchase Agreement dated September 4.2004 and accepted

Counter-Offer #2 dated September 11,2004. Nivie Samaan (buyer) & Joseph Zemik
(seller) agree to amend acceptance date to September 23,2004.
Nivie Samaan Date
Joseph Zemik Date
535 / 745
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• )ran Griffin & • }y
Facsirnile Transmittal
To: Michael Libo.. Fu: ) IO.'~'.7142
---
From: Nivie Samaan DatI: Oct~4.2004
R.: Peck Conlinl!ency Removals Pa9ft:
cc:
OUrgcnI o For RCVleW o PIcaK CommcnI o Pasc Reply o Pasc~1c

NotBs:
Nivie Samaan
Office 310.849.3816
Fax 310.823.7218
540 / 745
i~
In accordance
oas Other
~.c)
Wltl'I the

lerms and
CONTINGENCY RE.L '
condrbons
lC-AJl'-~
of !he [&l Califomll

r AgreemenrJ, OIted
.>--
ResiclenNf Purctlae AgIMmellt

on ~ known
or
320 S. Peek Dr~~e, Be~erly Hjll., CA 90212 rp~l,

between Hj ~a Sa. . .n rBuyer)
and Jo. .ph ZernH r~).
A. BUYER'S REMOVAL OF BUYER CONTINGENCIES: Buyer removes tnoM COiltl'V""lOeS soeoIie<l belOw Wll'I rnped 10 It1Y
contingency Ind canalallOn nght mIt Buyer ,..moves. unless olherwlse speafled 1'1 I separ", wntten I9'MlTlef'II between Buyer
Ind Seller (SUCh IS C ... R Forn", RRj " iPpbcabie. Buy,r shl~ conctuslYely be ~ to "-"e Ul ~e<l ell Buyer
Inveshgahon$ ."" 'evleW of reoons and othe' .pplocable IntormallOn and dISClOsureS: Iii) ~eod to proc:ee(l WIll'l l!'le tranMCllCln.
and (iii/ISSUmed. 1I kablilty, resoonslblilty and. ~ Iny, expense lot R,PIttS. c:on"eCtJOIlS. or lot l!'le .... ~ to 0ClW0n flnanong
NOTE, Preo-pnnled paragraph numbers are for reference only a"" refer to !he speafled p.lf1IlI"ph 1'1 !he Cah1omoa Rft/dermal Purchase
Ag,eemenl (CAR Form RPA·CA)
1. ONLY the follOWIng individu.lly checked Buyer contingencies are removed:
A 0LOIn (Paragf1lph 21)
8 0"Dpnllsal (Plragraph 2J)
C 0Tenant.Qc:cupted Property (P.ragnph 3CClii»
o (Zl ReportsiOtsdosures (P.ragraphs 4 .nd 5)
E 0Common Inlernt (HOA) Dradoaures (P.ragraph 68)
F ~ Buyer's Invut'9llJOn. onducltng msurabihty (p.,.graph g)
G GJ TIl1e Prellmonary R'pOM (Paragraph 12)
H 0 s... of Buyer's Property (P.ragraph 13)
I 0 _
J 0 _
K 0 _
OR 2. 0 ALL Buy.r conting.nclI' .re removed. EXCEPT: 0
Loan ConIngency (P.ragraph 21): Aw'a_1 Conbn9I"CY 0
0 0
o Other
(Plr.graph 2J): Conhngency for the Sale of Buyer's Property (CAR Form COP). Common Int_t (HOA) Dtsc:IoMIrn:
_
OR 3. 0 BUYER HEREBY REMOVES ANY AND ALL BUYER CONTINGENCIES. (Once .11 contingencies ans removed. wNther
0' not Buyer hal I.h,fo.d himlherwelf regardinv III contrnv-nc... 0' rec..."ed .ny ,nformation nsllbng to
U
contJn!l.~. Buy,~.poalt m.y nol be nsturned If Buyer dOH not cloae ..crow. Thia could ha~n • ....,
If. for
examp',.:'"Aluyer dol-/ not .pprove 01 .ome llpeel or
the Property Of lende, don not Ipproye Buyer'. 1oIn.1
October 4. 2004
Buyer Hi D.te
_er ~te
B. SELLER REMOVAL OF SELLER CONTINGENCIES: Seller hereby removes the following Selle' contJngenaes;O ContJngenCy lor
Sellers purctlaM of replllcemenl property (CAR. Form COP); Ottwr 0 _
S.lIer Joseph Zernjk D.t.
S.IIe, D.te
(__I __ ) (In/hals) CONFIRMATION OF RECEIPT: A copy of ttllS Signed Conhngency Remova' WIll pel'$OMlty
received by 0 Buyer 0 Seller or i1uttlonzed agent on 0 AMI 0 PM.
Tho _ n ; l t l - 011 ...
~ 100"-"''''''-'''' _a
ur- SII_ fT... '1 us e-,_ ..
_ (date). al
una"""",,,,'~oil _ "'"" "' .... 110'1_ -
CCJPrnll'llCl200'·2003 CALIFORNIA ASSOClAT1OH~ REAlT()IIIM INC AlL RIG>lTS RESERVUl
l>y....-...., . . . . . . "' .... _
1H1S F()RJoI HAS 'EEN "-OVEC 'Y THE CAlif 011_ ASSOCIATION ~ REAl TOIIM Ie A R) NO RE~(sENT"T1ON IS IoIAOI AS TO 'niE LEGAl. VAlIDITY OIl
..OfOllACY Of ..NY ~0\IISl0N toO .. orr SPECIFIC mANSACTION A REAl (STATE BROIlER IS THE PERSON OUALlFI£O TO ADVISE 01'1 "£AI. (STATE
........
TRANSACTIONS IF you Of$lRE LEGAl ()III T.... AOVICf:. CONSUL T "'N A_O~UIoTt ~~(sSIOHAL
u_....., ...
....... ,.,..,. DO
In""'" .,.,..,.,.. _
Thcs torm " . . . . . tror uN ....... . " . . rul ..a'A. ~ tt rI ,.,.. ~ II' "EAlTo-. IItEAl TO"e •• ~ ~........,..,..,.
011 .... .... nO>olA.\. ASSOCUloTKlN Of REAl TORM _ . ~ 10'" C<>oo 01 E""<a
(~~I:l"lJ
,.. • ,,--l>yfle
e-A.-oIREAlTOflM [11_", r-. tEl
.-
_..-n
CR 10103 (PAGE 1 OF 1) CONTINGENCY REMOVAL ICR PAGE 1 OF 1
Avanl: Nrvoa Slmaan Phone: (310)0171")1 Fa: 1310) ,.,.~ . ."" WlNF ....... ~
Broiler Gllle",n & Grimn ""'"0"' 1333 INnlWOOCl Blvd. La. AnoeleS CA t002.
541 / 745
en
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en
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L PAY r HARA,~St:ROW , , '
'J_~,ij*~~,t"iL/N:;·;:". '" '.' P,j~':~s

. TO'.
. >Tm
ORDER . ,.".
:"i596 lID
.
"OSl,OBl;".' ':Lt!2D17L?ll: bBOODblQaQQ202n'
.
·I.~;~'~~
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;I ~Jltr..~I1f.~). . ·.tt ',:, I
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. \ I:..
. '/, ",·q'.·~Hi\.(Nlf~wyr.if~k\'I.·-,·
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..: .::'; ::: ~::: : :j
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01
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r
04<" ... U-£ 'lVl). !VIf[ S"
I
~[RH.llS,C; •.
~") _.,.,,, lOCll
ESCAOWNO.1-34500-GH
loll Received
,
~
From
I Cun (
Nlvie SIImaan
\ Amount of Fil\ttlJ Thousand And 001100
I Check 1Wire Received Aft.r Hour {

BeM"lol { X I Buyer
I
I I Other
$ 15,000.00
I Sillier
•
..
.
..
<:
l.1I
10 " " l X ) Cashier Chk I Mo"ey Omer U1

I l.1I
,
"0
PropertY Addml: I:::
,t,BAl'CKI 16·3717 120 S. Ped: Drive
~ • I DS Beverly Hilll. CA 90212
1
II
Received bY
"0
117
'
to
J~lijf'
'"
-
--'.!il)~~C:·'
C/)
'. ( J)
: ~.:.
542 / 745
SENT BY: COllMEll BA.,
Oe~ 20 04 10:24.
)
S~pllbound
3'0 27' '.34; •
323 843 9378

}o. 11 ">A"; PAGE 1/1
11'.4
~~
C A I. , /·0 " ,., I A
,,~ .. nCI"'T10N CONTINGENCY REMOVAL No..~. _
(CAll. , _ Cit. ,~)

Of "'''LTOJ..:.;'"
In ac.cOl'danec WIth the terms and of the r~ Caljfoll'l,a Restaenbal p~ AgfHf'ne/'lt Of

C;on<jltlOtt$
COtner ("Agri:'e'ment"). date<! Oc~ H, 2004 on prcpert"; ~
as 32o_5 ""clt Cri ... o-,-~9'arlT Hill. , 0 90212 ("Property·).
oerween '!..1~1",_~.s~~11 ('"8~
and .Jo••.eh.._%ern1 k Cseter).
A. BUYER'S REMOVAl. OF BuYER CONTlNGENClES: 8uyef "-"DVM lhose COI'IlnQenaes aocoflOCl betow 'MIh rel'PCCl to ... y
conr~ ,'ttld C.1neC'lII1bO'l
rog'" It\M BU'fDI" ~movcs. U"IC'SI (lftlCIWtSC r.pcc1f0Cfl ,n :J ::.cGOJl".IfC _men .~C<.'iflCt'1 ~ 8vrr.r
ane Seller ( ..uc:n as CAR Form lOR). " aPO'u&le. BLl)'et 1,,-11 cond~ be ClC'Ome<l to t\aw: (I) CO'"~ecl aU 6uywr
IrweSll9G lIonS ano revlhW 01 repoc1'& a"Cl othef apt:l1ocable in'otmatlOft 8f'd o.doa_; III) CIeCIecl to f)l'OCIetICl wl\PI lftC) ~
ancl 'iii) ~~ a" IilIbilitV. tW5PQnslblilty And.• f aNy. e_IMNn tor .~"". eot~s. or for Ifte' ot\8OoIrty 10 otlt."Iln ''':'If'lCing.
NOTE: l='r"'p',ntcd Porll9 rapll "UmI:left :'I,e tot roterence c"'"y and Iclef co !he specifowd pCIIlJgrOlih "" the Calilomw lt~'" Purchne
AgfMlTll!nt (C.A.R ~orm RPA·CA).
1. 01lfL Y tnr fDlIOWOr\9 indMdYau, chc!ockOCl Buylit' eontingrftci~ a"C' rt"fftOYOCI:
A o.a
Loon (Pat il!Jl'a(II1 21)
8. 0 App,..sal,Par39~ 2J)
C. 0
Ten"".~ P~"y (P:X-3qr,1Ph 3C(,iI)
D. 0
Re~~ (PeragIlIP'" .. and :i)
E. Cl Common Interest (WOA) DradOMires (Pa~ph 68)
F 0
8uyen\ InvestigatIOn. II'Idud,ng lfIl\U'l'ltl.llty (P3~9"o.IptI 9)
G. ~ Title: Prcl,"",,-ry Repctt (par"!J'apI'I , 2)

H. 0
s.te of Buyer'. ~r'ly (Pa,..graf)/'l 13)
I. C ~.
J. 0 _
K. 0 _
OR 2. 0 AU Swyer eonb"90~ _ ..",ewed. EXC!PT: 0 loon COf''''nvr.ncv (P:tt:'lgt:lCltl 21): [j AllII"~'" Co~nguncy
(Paragraph 2J);
001"., 0 Cortt,ngcftCy for lhe Sale 04 Buyer'S Ptopet1y 'CAR. Form COP): C Common
_ ~ (~ ~;
OR 3. Cl BUYER HERElY REMOVES ANY AND AU. BUYER CONnNGENctES. IOnca all c~OtK.i" .... _ _ oct, ~
or not BuyOl' Ilol1 utilf..ct ",""'-'M"
regardin, all conan."".. Of' rec:etvocl any l",ormaClOfl rw6a"nv to ~
eOf'ting<!n~. 8u::ft ~ rrtaY not ~ ...-.mea tf BUW'I'f' does not tloM nlcrow. ThIti c~ N1ppo" _ ". for
OlUll'ftD'et"¥uyOf "0« i1PP'OVO CIt somo espoct of tho PP'OP«tY Of' Io~ ~ not ap~ _""era loW\. ,
~~~~ 19, 2904
Date
iI"yot .oat.
B. SELLER REMOVAL 0' SfLLf~ CONTINGENCIES: Sellt'l' hereO'; ,~r. Ihr. to4lQWlng Sellet' CCnt!ngCflClQ$::J Co~ tor
Sr.'IIC"~ PlJf(1l~1C of rcp4.,~mr.n, p'o(JCffy IC A.R ~onn COP); ~ 0 ---
~,_ .Joeoph .z~ ... Date
~Ier Dan
~ ) (IM~ls) CONFIRMATION OF RECEIPT: A copy/. of ned Contrngency ~cmoval was pet"5()nahy
/r d by 0 fluyer ~Iler or aumonzed agent on ((. (aate). at ~ _ _ ~MI PM. 0
T"" ~, _ .." _ v - g,.,. I'''' "u:; C_, """'" "'" ,,,,,., ."
U,,"_ _ .o..,ftG
•."".. /II ••"" .......... _ .. _ - _ or ..... -~-.
,",,_... r:>co-..... /II~... 10<_ ~'""200"~' CAu'0I4N"'~lAT10'"M AFAlTOI(:;II ''''C. "&.L IltGOtTS IlIrE~tlNl 0
'''15 FO"". ""':i ocr'" A~IIlOVfD IT r"f CAL" 01"_ .-sSOClo'rQf ry. JIIt.AL TOIIlS- leA 1'1) MO IUPtt, Sl.;.'ATlOI'II 'S Wo\DE AS TO ' ..... ((GAl. VAlIDITY C»
...:.. OUo'C'I' OF flXY PIlIOVlSlOOf .... ANT 'PfeiFle nu... MCTlOlo A IIUL EST...TE 8"00C'A 's
'TWIE ~£RSON OUALlflfC TO AOVI$l ON ~ r.STl\~
''''''''':;.ACTIONS IF YOU Dl ~JI'lC llE~ 0lIl T.... AOVICI eOO&:illlT .... "'''~O,,"... Tt ,""on ~ ~
. . . . . _,. v_ .-It'"
,.,............ r.~ ~.....,..,.,..,
0f'I\' 0. _ _ 01 "'" .... TIOooAl. A..;$OC; .... TlON 0' ....... LTOI'lSlo _
._'lX:...
tpw. ,-...v "0." .-....,. ~ "..., ~ ~ 10 ClUnatly mft ",.,..,. __ .lln 1\L TOIIttI 1lU..A.l To..- P. " 'fIIIQ'M".ttt ~
C_ ." f:""C'l ~
1M"" .... """'"

~~
~ ~.~~~~
II'I~"I\ .,~.
C.iI..,....IA"'\."'CX.;..... ot •• IJ'iLTO'.~.1t I M"" .............. rr, 0.. ., _ I EJ
.... - - .
..........,
C~ 101031P AG£ 1 Of' ') CONTINGENCY REMOVAL (Cft PAGE 1 ~ 1

Avonr. ""10 S.rnA.,n ' " - : (3'O~'.'1:l5 ~l": (J101 p~ "''''0 WlN'onn_ eoftwa,.
.........: Giller"" & C;r;ff,n Rc.31\"" , 333 _ ......OOcl 81vO. Lt., ... "'"'" C'" 9002.
543 / 745
Oct 20 04 10:2411 )'"OOUoo
• '.43 9378 II, 1
Gilleran Griffin Realtors

To: Mich;.d).I.ihow Fax: .110.:'1<.4'1.14 ,. ~ I O.ll~X ")(4~
From: 'i"ic Sam»n Da..: Octob<,.,. 20. 2004
~.: NOlicc III Buyer 10 .... el'1orm Rc"p<m~ P~: 4
cc: 1\"1,,,:n 111';"1,11. Lsq.: Ibnd" Sf'l'lluin~
o lJn~-nt o Fur Rc"i<:w o T'k.:'N: ('nmn",'nl o '....":N.. R~-ply o 1'k;;I'4.' R~'\.~-k
Notes:
Hello M ich:lcl. Plc:l'OC I"C<Id If'll' cnc losed lenet' dolled Octo"':r 20, :WC)4.
Nivie Samaan
Onitlo: :; I O.IWU)( 1(,
F3X 323.843,9378
F-m:til: N.-':'lm;l:m 1r('·;I\,l.cum
544 / 745
Oc~ 20 04 10:25~
·J
Sp~llbound
• )
323 e43 9379 p.2
October 20. 2004
Mi~had J. I.ir.ow
(' oldwcll Banker
1M, N. C~ni," Orive
Ikv~rj)' Hills. CA '>0210
Rc:: 320 S. Pl:ck Driye NotiC4: tu Ruycr to P~rli)rm
Ik~r Mich;I~J.
ThIS kuC'r is in T'Cspunsc to thc N"licc In Buy~r h' Pl:rlimn Y"\l ras\'u til inC' nn Muntl:,)'.
OCLOOt:r I!S. 2004 and the subscQuent voiccmaillimc:-~,;t.amJ":d Tuesday, October 19.2004
at 4:55 p.m.
I wanL Lo apofogac li,r Lhe delay in responding to your notice:. f 'YC been consulting wiLh
my ~,!.,m,:y regarding my options to your unrC:lson:>hlc dcm:mds.
Let me first start by saying. rye enclosed the removal of the T.oan Continj!erlcy and Title
('ontill~cnc:y. nut
will nol rcmuvc the :tppraisal c:ontjn~I.:IlC:Y until I have 1'\."I,;I:ivcLllhl:
Icnd~n; nolilk~tion tlutlht: v~lUl: of the home is jU~1iticd. IrLhc: homc wa.s pricl:d
correctly. you shouldn't have any ccmcems.
On thrcc separate: occasions 9124. 9129 and 10/6. I c3Jlcd Gail Hershowitz of Marol
Fscrow for my copies of the F.~row Instnlclionl' and Preliminary Title Re~'rt ami W:IS
told tll:J1 l'nC W:lS ......ailing 10 hL'".!T from you bcJ<)t'C' she could prl:pat'C' it. Due 10 Ihe non
pcrltlrmancc by you and your cscrow company. your seller is now lhreatening
c:Jnc.;c11:11icm or cscrnw.
,\1)' IcndL'T' informed yuu nn October Slh that he had Iril.:d sever;!1 limes 10 ~L" these ilL"mS
anu nCl.:dl.:u your help. My lcnLlcr also in/ormcJ m~'. Ihal hc diLl nut r\·c.;l.:ivc.; thc nCl:I.:.o;s;.II)'
l::~TOw In~"trUctions and Preliminary Title until the ~vening of Octohcr 7th. twenty-one
dnys :lIh:r my CO"nIL"T'-uIT,:r aCCC'f'lancc. nuc to the !"Colling wL'Ckcnd &. hnlid:ry. tllc NlIlk
did nul rl:l.:civl,," my loan unlil 10/12. My loan was :JpprO\lL'd un Monday. OClulx-r n~lh" a
r~a.son3bJe tim~fr.lmc: for loan approval. :"Jow Ihe hank must n:view the value before they
C;IO lin:d i:f.L" 11'11.: I,':m.
Frt)m Ihe I'>cginnin~" J haw followed IhTClu~h on cvery :J.o;/X"Ct of my I.:nLl of the contr:ICl.
You on Ih..., olher·hamJ h:JV\." nol bL'l.:n:l man or your wonJ. On I)f 16. whl.:n I a4.:c.;cpl\·d Ihl.:
counl~r-(lffer while on my 1I0neymoon in Ilawaii. I in(imned you thaI I wouldn't be
rc.;tllrnjn~ to "os :\n~d:~ until C)/:!~, YIl\1 \lcrh:llly assured mL' lhal Ihere W;IS nu nL'L"d hI
c.:untr.1e.;lU:JlIy cXII.:nJ Ihc wmingc.:neies or dosing date.;. tx;c:Ju."C if I nceded mon.: lirn~ to
meet the contingencies. .oj, would be arl'3ngcd."
545 / 745
~'ll.CUnd
•
Oc< 20 O' 10'2i1t ) •• 3 .37. ,..3
You have: been unrca.-;unablc Through JlmoST cveT)' ~"tep of thi~ lr.m~etion. su you leave
nh.' no or
Olhl.:f allL'muti VI.: hUI 10 so....... j.; lhl; t:"id;ln~~ my allurnL'y,
Plca.~ inform your ~Ikr that if hI: cnooscl' to caner:! lhi~ ~crnw hero!"'..: the ~hcduh:d
dusin~ ,btL: ul'l\.ovL·mn.:r I. 2004. I will hOIVI..' no olhl:r ~ltL:rllOllivc hut 10 sed. h:g.al
remedies,
I f(lrm~llly rC4ul.:~lltul;1/1 fUMl.:f corn:sp<lndcncc be in WTiting. via lacsimih: or cmOliI.
Rt:~PCC~
/ (4/'-.< et::a;;;~)
NiviL' Sa~1:1n
Buy~ril{l:allor /\.ssoci:1tc.:
_'J_s~_,"_,;,!,,!n,I@(l~I~) I:.:.;,(::.:·(.;.:lm.:.:
:;:Z:U'WJ,()~7K F;1csimilc
cc: I{otx'rt Bmndl. I·:sq.

Randy Spalding
546 / 745
OC~ 20 O' IO'2S.4Il ~ •• U". .; )3 937" !D."
i~
CALI"OIlNIA
AS~OCII\TIO"'" CONTINGENCY REMOVAL No, .~:.-_ _
O~ Il.. f.A I.TO IlS"" (C.A.~. ~orm CR, 1010)
~
In accord3nee with the terms and conditions of the: [~Califomia Resldenl'el' Purchase Agreement or
o Otl'1er ("Agreement"), aaote<l OC't:o~.r; 19 200f on property known
as 3?.D s. P~ck DJ::,i .... { ~?orly H:ill:l, CA 90?12 . _ '"Property').
I:'>Ctween H,i~L,,-~~'.~n rBuyeq
and ,Josoph Z.rn.i.k ("Seller").
~. BUYER'S REMOVAL OF BUYER CONTINGENCIES: Buyer removes tho...~ COnhr'lgenoes 5OeC1('ed below 'M1h reseed 10 Any
conllnQ('ncy :md ~ncell:lhOf'l 'ogMl tl'l;rt Buyer rr. rnoVC$ , unleu otl'lcrw,SC specrf~ ,n :l soP'M"oJ!C wnnc", <l9ft.'I.-menl ~1WCCtl aU)'ef
nnd Seller (!!>uc:n ",$ CAR Form RR). as 3ppllQb!C. Buyer !>h6l11 COflCluSlV~ be <,cemed to rnwc. (i) completed all Buyer'
Irwestigat,On5 and rev.ew of reports lind other 61pP/ie,aC e ,nform"tion and d,sdosurell; (ii) electecl to Proceed WItI'I the tra"'sactlon:
'
::Ind (iii) assulTl<~ ::III Ililbility. rc:;ponll;lbilrty and. If ;lny. eXPense lot Rep.,,,.,.. CO"CC1JC)nt.. or for It'lc itIoItltIrty 10 otn."" lin;lnang
NOTE; Pro-prtnled D.')r;lgrClph numbers ;lre for reference only and refer to the sPeCifMld p:lIClgrapn in II'le C:slitQm,a RewenlJ;l1 PurcNtlOe
Agreement (CAR. Form RPA-CA).
1. ONLY tho follo-"9 ind lv idU3Uy ehccked Buyer c;ontingencica ar'l: rcmovc<l;
~, ~ Loan (P:Sr<lgraptl 21)
B. 0
Appraisal (Paragraph 2J)
C C
TcnDnl-OCCUDICd Property (P;lr:l9r:1Ph 3C(iii)
D. :.J
RcponstOilOC!Ol'oUrCs (Paragrapnl'o" and 5)
E. 0
Common Interost (HO~) O,sdQr;ures (Paragroptl (8)
F C
aUYI~'r. InvestigatIOn. IfICluchng Insur:lbihty (Pnmgrapll 9)
G ~ Tille Preliminary RI!POI1 (P;lragrapPl 12)
H. 0 Sale Of Buyer's Property (Paragratltl 13)

Ie
J CJ _
K.O -- _
OR 2. [J ALL Buyer contingencies ar'l: romO':..- d, exCEPT: 0
Lo;)n Conltnqency (P:'\l';'lgtilpn 21); Apc"oJl~ COf'11'"9C~ 0
(Paragr:lpn 2J):
o Olne' o
Contmgcncy lor tnt! &IIC 01 Buyer's Property (CAR. Form COP): Common Interest (HOA) OISOOSure&; 0 _
OR 3. [J BUYER HEREBY ReMOVES ANY ~ND AU. BUYER CONTINGENCIES. IOnce all eontlngencies a~ I1!'fTIOVOd. whothot'
or not Buyer has uti.freCl him'heraelf regarding all contingencies or reeeivod any InfornllltJon relating to th~
< O ~Buy,,· ••
cxamp uyor
mo,
not approye of some
_ pos"
• "uy" dM' .at <1_ CK_. COuld " ' _ ' ~ d....
peg of tho Property 0' IondOr docS not approvo Buyer'. loan.)
"';0
• . Ocot:obcr 19, 200 ..
Buyer Hi. ?J.e ...a.m.aan D.te
Buyor Date
8. seLLER REMOVAL. OF SELLER CONTINGeNCIES: Seller hf!rcby removes the fOllOWing S~lIf!r CQtlll"!)erlCleli: U Conttngency lor
SCller'!; ourchn!\C Of rCQL;lcr.mr.nt proPerty (CA.R. Form COP): 0 Oll'lcr • . _
Soi'or Jo:>oph 7.crn:i.Jc Date -----_ .. --

Seller O.t.
(_ _1_ _) (InitialS) CONFIRMATION OF RECEIPT: A copy of this Signed Contingency Removal was personally
received by 0 Buyer 0 Seller or auttlonze<l agent on (date). at ::J AMI 0 PM.
nw., CODl1n9'" L~ Of ",,, Ut\lfl"'d St.~ (Tit..... '1 U S COd"') tortlrrCl TfW'l lJt\;luthO"VnG rf'orOC",Ct Of" O· ,,.... fOt'TTl 0' ,'l"y 0()f11()1"t ~ D'y ~ClrCOO¥ ",''''''If'ln Of ••"., 0 ..... ""':~•
•ncWnCl'.'C:>'''''''' '" CO"'II<,''''1I1>O """",I(.
COO'r''lItll t:l200··2000'. Cl\lIFORHIll Af.~~OCIATION OF 'lUlL TOW.;,o IWC ALL IfICMl f, III ~CRV£O
rHI~ FOR"' ...... 5 SEEN AI>PROIIED BY THE CJ\lIFORNIA ASSOCIllT~ Of' REALTOR~ (C A.R) NO REPRtSCNT"TlON IS M"OL AS TO THE LEGAL VALIDITY OR
AOEOU,t,CY OF "NY PROVISION IN "NT SPECIFIC TRANSACTION A RE,t,L rSTArE BROKER IS THE PERSON OUII'.I"'£O TO ADVl.~ ON RUll ESTATr
TRAN~"I\CTION:; I' you OHJI(I Ir,w\L OR TAll AOVlcr, CONSULT AH"~"I(OPR"'rE PROFl'~~.IO"""'l
G:r

Tr.,"\ ronf\~.• tv ">", fot vyt Dr,' fftr """,.,,- ,.",.1 0:.&..110 tna..,v"Y II '"' ~ ... ~ to ... ",,~ t'\u "'~ ooIA.) 1<11 I\lTORte REAL TO ....... I 'UQI~vua ~ I'n(.""'~ ""'III
""""'" .....""llol :.'..<1 grill' Dy ~r~ at "'" NATIO.....L I\:,,:;OClATlOft Of' R~Al TO~se wrlC 'UOOU·1le to"" Co<M or EIr\oCI
cm1"~
SLI<E~.... ~ • ••
.... "•. ~...
PLalh..""O OY "'l'
",-.oc...llo(HI Of 'II ill TOH:iOD
C•• ,r",,,,,, j Rn_"" 0._.. J-
~r.n
CR 10103 (PAGE 1 OF 1) CON~JNGENCY REMOVAL. feR PAGE 1 OF 1

Agent: H,vlO s.,m:lOln F'P\Ono; 1310.,.711835 F;n: (310, P~rocl LrOlng W1HF()",,~ ~ro
B,oaor. G,IIO,:ltl & Gnflln RC:J"ors 1333 W"SlWooCl 81vd. • L~ Atlq<tles CA 9002.
547 / 745
, ,
,
AOL.COM i Mess.
Subj: Re: 320 S. PECK DR

~
Date: 10121/20047:09:13 PM Eastern Daylight Time

•
From: \1jlibow
To: ~SamaanJ
NIVIE,
WITHOUT THE REMOVAL OF ALL CONTINGENCIES AND THE UNCERTAINTY OF YOUR

LOAN APPRO VAL BASED UPON WHAT USED TO BE A CURSORY "REVIEW APPRAIS ..
S R OF PECK HAS NOT BEEN ABLE TO SECURE ALTERNATIVE HOU ...AS
HE HAD RELUCTANTL Y AGREED ND YOUR INITIAL C ENCY PERIOD OF
INSPECTIONS, HE WILL NOW REQUEST ADDITIONAL TIME fN THE PROPERTY OR A
DELAYED CLOSE OF ESCROW)sHOULD HE DECIDE TO WITHDRAW HIS REOUEST E
CT EVIDENCED BY TAE LETTER THAT I FORWARDED TO
YOU TODA Y SPECIFYING HIS DESIRE TO CANCEL. ..HE IS AWARE THAT YOU HA VE
AL WA YS HAD ACCESS TO THE PROPERTY FOR INSPECTIONS/APPRAISALS, ETC AND
THAT THERE HAS BEEN NOTHING WlTHHELD THAT WOULD HAVE PREVENTED YOUR
LOAN AGENT FROM SUBMITTING YOUR LOAN PACKAGE SOONER TIlAT LATER...MY
SELLER ASSUMES THAT YOU WERE WAITING FOR A BETTER RATE...AGAIN...THESE
ARE ONLY ASSUMPTIONS BASED UPON A LACK OF ALL FACTS...MY MANAGER, BETH
STYNE, HAD QUESTIONED WHY THE LOAN BROKER WOULD HAVE HELD BACK
SUBMITTING YOUR LOAN WHEN HE HAD THE PURCHASE AGREEMENT AND JOINT
ESCROW INSTRUCTIONS IN HIS HANDS...AS YOU KNOW BETTER THAN ANYONE. OUR
NEW PURCHASE AGREEMENT AS OF SEVERAL YEARS AGO ACTS AS THE ESCROW
INSTRUCTIONS THESE ARE THE TYPES OF QUESTIONS THAT HA VE GONE
UNANSWERED .
I WILL MAKE EVERY AITEMPT TO CALM MR. ZERNIK AND HOPEFULL Y WILL BE ABLE
TO TELL HIM TOMORROW THAT YOU ARE READY TO RELEASE ALL CONTINGENCIES.. .I
DO NOT KNOW IF THIS WILL BE EFFECTIVE...BUT ITS THE BEST THAT I CAN DO..
.SHOULD HE ELECT NOT TO CANCEL THE CONTRACT. I BELIEVE THAT HE WlLL NEED
ADDITIONAL TIME IN THE PROPERTY.. .INCLUSIVE OF THE NEED FOR FUMIGATION...
THANK YOU FOR YOUR UNDERSTANDING..
MICHAEL LlBOW
COLDWELL BANKER
50084
http://webmaiJ.aol.comlfmsgview.adp?folder=SU5CTlg=&uid=9456734 J 0/2212004
548 / 745
~
Gildan Griffin ReACJl"'s

,
To: Michael Libow Fax: 310.278.4934
From: Nivie Samaan Datil: October 25.2004 5: 18am
Re: Peck Drive Final Contingency Removal Pages: ~ "'Z
cc: Roben Brandt: George Nagler: Randy Spalding
!X Urgent o For Review ~ Please Comment o Please Reply o Please Recycle
Notes:
Hello Michael. Per our conversation this afternoon, here is the final contingency removal. _
Nivie Samaan
Office 310.849.3816
Fax 323.843.9378
50102
549 / 745
, •~Thr~~_
i~
CALIFORNI.
ASSOCIATION CONTINGENCY REMIL No. ..
01' REALTORS~ (C.A.R. Form CR, 1C1f03)
In accordance with the terms conditions of the: Ijj California Residential Purchase Agreement or
and
o Other (·Agreement·). dated OCtober 25 (2004 on property known
as 320 S. Peck Drive, Beverly Hill~, CA 90212 ("Property·).
between Hi vie S&.IILA.Il.C ('Buyer")
and .Josepb ZerniJc ("Seiler").
A. BUYER'S;REMOVAL OF BUYER CONTINGENCIES: Buyer removes those contingencies specified below. 'M1t1 respect to any
conlingen¢y and cancellation right that Buyer removes. unless otherwise specified In a separate wrrtten agreement between Buyer
and seller (such as CAR Form RR). as applicable, Buyer shall conclUsively be deemed 10 have: (I) completed all Buyer
Invesllganans and revIeW of reports and other applicable information and disclosures; (ii) elected to proceed wrth the lranHdlon;
and (iii) assumed all liability. responsibility and. If any. expense for Repairs, corrections. or for the Inab~ity 10 obtain financing.
NOTE: Pre-pnnled paragraph numbers are for reference only and refer 10 lhe specified paragraph in the Califomlll Resldenllal Purchase
Agreement (CAR Form RPA-CA).
1. ONLY !the following individually checked Buyer contingenci. . are removed:
A. 0
i Loan (Paragraph 21)
B. 0
iAppraisal (Paragraph 2J)
C. 0 Tenanl-Occupied Property (Paragraph 3C(iii)
D 0 ReportslDisdosures (Paragraphs" and 5)
E 0
Common Inlerest (HOA) Disclosures (Paragraph 6B)
F 0 Buyer's Investigation. including insurability (Paragraph 9)
G 0 I Title: Preliminary Report (Paragraph 12)
H. 0: Sale of Buyer's Property (Paragraph 13)

I. 0;
J. O! ---------------- _
K 0; _
OR 2. ~ AUl Buyer corrtingenci.. are removed, EXCEPT: 0 Loan

Contingency (Paragraph 21); Appraisal Contingency 0
(paragraph 2J); 0
Conlingency for the sale of Buyer's Property (CAR. Form COP); 0
Common Interest (HOA) Disclosures;
o Other _
OR 3. 0 BUYER HEREBY REMOVES ANY AND All BUYER CONTINGENCIES. (Once all contlngenci. . are ramoved, whether
or not Buyer has sati.fied himlherself regarding all contingencies or received any infonnatlon relating to those
contin~cies, Buyer'. depoe It may not be returned If Buyer don not close eacrow. Thia could happen even If. for
exaroC(e,. Buyer&ea not approve of aome aspect of the Property or lender dOtta not approve Buyer's loan.)
October 25, 2004
Buyer H Oat.
Buyer Oat.
B. SEUER REMOVAL OF SELLER CONTINGENCIES: Seller hereby removes ttle followmg Seller contingen~: 0 Contingency for
Seller's p~rchase of replacemenl property (CAR. Form COP); Other 0 _
Seller Joseph ZerniJc Oat.
Seller Oat.
<_ _/ _ _) Onltlals) CONFIRMATION OF RECEIPT: A copy of thiS Signed Contingency Removal was personally
received by 0 Buyer 0 Seller or authonzed agent on (date), at 0 AMI 0 PM.
The coPY"9nl laws pi me UMeo Sl<ll~ IT'lIe 17 U S Cooe) Iorbld the unavthonzeo reproouetlon ollhll Iotm 01 arry POI1I011 tnereol. by pllOlOCOPY mKhlne or Irry otl'oer mean•.
,nCluOlng facslmlle.r computenzeo formalS COP1ngrll Cl2oo1·2oo3. CAUFOANIII .... SSOCIIITION OF REAL TORSCl INC AlL RIGHTS RESERVED
THIS FORM ""'S BEEN ....PPROVED BY THE ClllIFORNIII ....SSOCIIITION OF REAL TORSCl'C .... R) NO REPRESENT....TION IS MADE AS TO THE LEGAL VALlDfT'( OR
ADEQU....CY OF ANY PROVISION IN ....NY SPECIFIC TRANSIICTlON A REAL ESTATE BROKER IS THE PERSON QUALIFIED TO ....OV1SE ON REAl EST....TE
TRANSACTIONS IF YOU DESIRE LEGAL OR TAX ADVICE. CONSUL T AN APPROPRIATE PROFESSIONAL
Th'1 lonn IS .. a~lble fat use by [lie enn,. real esta.. ,ndullIy II '. rool onle<1oed to tOenDty ltle u_ a. a REAl TO~ REAL TORe II a regll~ COlleCllvt memller,'"p rna".
._
",n,Cll may ~ useelon"" t7y memlle~ or tne NATlONAlASSOCIIITION OF REAL TORse wIIO sull$C1l1le to.1S Cooe 01 Elhoc:I
(SlRE~I~7"'eJ
Tho SySlIm !of Slla:....
PullllSMdbyrtle
Calilorn,. AssOCllnon 01 REAL TORse
I Rev_ by alte
~
.,...f_',
CR 10/03 (PAGE 1 OF 1) CONTINGENCY REMOVAL (eR PAGE 1 OF 1
.... gent: Nivie Samaan Phone: (310)47811135 FIJI: (310) Pre~M using WlNFonn~ software
Broker. Gilleran & Griffin Realto~ 1333 Westwood Blvd. . Los .... ng.l.s CA 90024
80103
550 / 745
bp officejet d 135 •
printer/fax/scanner/copier
~
• t
}-ax-History Rcpon for
·.Qct21~W:~
Last 30 Transactions
~ ~ ~ Identi fication Du ration r.aw !ks.ult

Oct 19 7:17pm Fax Sent 8237218 0:29 1 OK
Oct
Oct
19
19
7t26pm
8:20pm
~~
Fax Sent
~23ni~
8237218
-6:34
0:« •r {)K
OK"
Oct 20 W:09am Fax Sent 8587842 1:30 4 OK
Oct 20 lO:I2am Fax Sent 2784934 1:05 4 OK
Oct 20 10: 19arn Fax Sent 2784934 1:22 4 OK
Oct 20
Oct20
Oct 20
!0:23am
10:~ ~ ~
12:24pm
Fax Sent
Fax Sent
8587842
-@23ni~
18189S6rm
1:20
+:21
t):''*'
.t
4 OK
-eK
0It
Oct 20 2:56pm Fax Sent 8237218 0:47 1 OK
Oct 20 5:54pm Fax Sent 8237218 0:41 1 OK
Oct 21 12: 18pm Fax Sent 18189561133 0:37 1 OK
Oct 21 12:36pm Fax Sent 8237218 0:43 1 OK
-Get 21 ""51Bl'm ~ ~~ .181 i 35 ~tt5 i '€rror ~1
Oct 215H5pm Fax Sent 4782135 1:44 2 Error 350
Oct.2L S. '39pm -Ea.~. - iJ31l1L. 2;.54... 7 OIL
Oct 22 9:54am Fax Sent 8237218 0:00 0 No answer
Oct 22 11 :2Oam Fax Sent 19258927966 12:39 14 OK
Oct 22 11 :S7am Fax Sent
Oct 22 lZ:1~ ~ &em
Oct 22 12:31pm Fax Sent
14155321301
HB2256288
12132256288
0:50
~3Q
r;n
.
2
If
OK
tn'or~
OJ(
Oct 2S 12:43pm Fax Sent 18183411897 1: 10 2 OK
Oct 25 4:19pm Fax Sent 14152590855 4:39 15 OK
Oct 2S 4:56pm Fax Sent 14152590866 0:37 0 Error 386
Oct 25 4:59pm Fax Sent 14152590866 0:56 1 Error 441
Oct 25 5:02pm rax"Sem "8131~8 ~ t5 OK
Oct 25 5:t22pr& fM-Setlf. 27&4034 ~ Go fancet
Oct 25 5:24pm Fax Sent 2784934 1:05 2 OK
Oct 25 5:1$2pm Fax Sent 8587842 1:03 2 OK
Oct 27 9:52am Fax Sent 8237218 1: 10 2 OK
551 / 745
Oc:~-25-0. OS
-----
M. Brooks • MARA 3 1 r o 7531 P.Ol
,/
• J ..01 Wlishirw .1..... Suit.51S

a.-ty Hil., CA 90712-291.
Te""'l3101550-7~OO
f!l,X 1310l5~ 7531
AMlr.'DI:O ESCROW U§11tUqJQNS
E.""ro... No: 1·)4!()().GH &.om, HUls DIU' October I!. lOO4
Propeny Addrc:s5: JZO S. Ptd. Dri••, Beotomy HUb., CA 90212
To: Mara EKftl'W Compa8y • Gall HonItowlu. ERn- omnrfManaterlV.P.
My prevlD1I5 IllmlKDoll' in lhc above _ _ red _ww are krdly IIllICIificd • ~r",nlla1 ill lilt followillll paI1Jt"lars Daly:
1) cANCELynoN INST!UCTJONS: 80Iycr IIIlI Seller .._ I&J iaunaliMdy QIltellbe aboore rdnca:cd T ~
YlI lhc relaled I'un:tIu: A.ftftIII!lIl. if any. From Iuds on lIqlolUl. ~row Holdr:r ;,. Iwrdly ...cIIorirled uti l.-rw:ad III
reuin lbc ""10 of S Z50A
funds on tleposil shall
wbitb alllO\IJII E.lcro... Holder IIaaIJ apply wwards &:row UD:ellWon I'eeco uti die balance of lbe
. at tIl· k GrD:isj&d 8Ujet{l). Iluycr(s) aDd Seller(s) bcn:by .:kllllwlcOl. lhcIr aWIl'CKD of !be
faa tbIc EIcrow HDIcIer shall be blluDd by chc lbove rrfer'llll:ad &mIw CaIIl:cllMioa Fcc cff~-avc lIS uf Ibis 4al&. I. dIc I'\'GGI
WI thiJ ~"TOW faw 10 ""lUI in a timety ma~r IDdlor E.r.:row HaIdeT is requiftCI to L:OlIliaue to pnu:ss dliJ tr.ns;ocrine.
E.""row Holder laCncsthe njllt to IllCrcaJC e....:ruw Holelcr's Cu.:cllalioa Fcc. btrow Holckr's ollly oblillllioas in Ibis
lnll~ ..:tlon llhall be to disbunc the funds lU tailed for hem. aflcr m:clpl of lIIis &auw I~Dons nu:UlI:d by Bu)'Cf UIlI
Seller. Additionally. Ihc panics hcmo furtllrr ""1IlT1l1ll IDd rcpmc.. llw tbcy shall pay all of Ihcir nspo.'tivc olll.~ .......
tompuuel', illtludi. . bu. DOt hnuled .,,; pn)'l'lc:aJ impe..'tioa CDIIlflIDY•• eolo,1I: ,mcpa.:lioa toqlUY. r.c"",~ 1~"1ioD
toR1p"4l1)' lIud/nr cknland Ifts oallick of BCTOW. Burn and Sella funbcf rrlcuc IDd mievc E.~row HoIdr:r. 8ro~rrs aDd Ed
Qchn from IllY .nd .11 past, pnxnl lIndior fullln: habilil)' aDd/or rnpoa.oibllil)' .D ",.anl III I:oOIL'dlllUlXl of tIus U'lMaCDOII.
AK 01.... IcnNJ'" ~Il"" .,r Ib.. nuv. ali." ....'" &he' _ _ AU,.."... ....... _ ....".". . Kk__ IcG.",· ...... nI • c.., 01 __ .
"LU'~
Joscpb H. zemik
~
BUna,S): -sW(;.£ To I£,t;.j!?/V Jt,l'YfrZ. S
Obl151 T 01./ l:- 'TV r;Jtt/kti
~Ni=vic-;::-SiuDuJl--------- t> t= ~r:.-~ T (Sb~ 1StL.d~)
BROKER A, PPROVA, L: Brokcr(s) join In !he cllCtulinn ollhi... E..<mlw IlISUIIttiollJ Ind bccn~ • ,..ny Ul this E:tcru... mati••
lDchc Dillhvl'llClllml of Funds2lllx.
Colctwcl BaD_ Glu.ru Grimn Compuy
By: , 115: _ By: ,IL<: _
\1"1 t;. Sb c. drU.~ Lt.,Y; 't /67V I fv"STn l/ C} ( ~ OCJ

ll/rtSt/IA,,~
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fIl- G:. L rJb' V sa,,~ fttl 0 J!Vl
L I tt-lIl Op-;~ 1}(t-rvtY?q£~ r5 s71 Iv l-1·,..rr.;CJ

fG/lILl.
If
/'IW IHb ~ fiJ;-s / O~f1L- {llAU/i7'1sIj /Ie, 1t£1;v1-C~
~ ,)7J I rvf {..~c.n-ow I fvS I rt1/ V/? t1?V<; '/, PrJariZ., (4111
~ IG r pf'\2., {:;. ~~.
552 / 745
AGENT DETAIL Page 1 0[2
Nivie Samaan
1575 Westwood Blvd., Suite 300, Westwood, CA 90024
310-849-3816 nsamaan@sbcglobal.net
STATUS: S_QIc1 ADDRES~~VEI\L.'CtiJJJ.S~902U --;a

1lIIit11&&PN&·~~:JItii?:'J.$:,fGJ
I I. ---.--~~ r .
SP: $0
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1'1'QJ2eITY _WeD,Stte AO~~LP_hotQS LArg,e.r MaD P.lat..MaD Aerial "lap

RESIDENTIAL SINGLE fAMILY AREA: (1) Beverly Hills NLS#: 07·167783 MAP: 6JUF2 BR: 3
STYLE: Spanish SUB: PUD: YB: 1928 BA: 2.50
APN: 4.32e·Q25~13 ZONE: BHRIYV HOD: $0.00 STO: 2 APX Sf: 2.932/0T
ADP: VU: No PL: Yes APX LON: 55x128/AS APX LSZ: 7,040/VN
APX ACREAGE: GH: N/A FP: 1 PKGT: 5
HORSE PROP: LSI!: LOP: fUR: No PKGC:3
ELEM: CK W/CITY JRHS: SRHS: BEVERLY HILLS
DIRECTIONS: S. OF WILSHIRE/ W. OF BEVERLY DR

REMARKS: STUNNING SPACIOUS TASTEFUllY REDONE 2STY SPANISH. LG SUNUT RMS W/HI CLNGS/GORGEOUS DRK WD
FLRS/FRENCH DRS. FANTASTIC NEW KITCHEN & BATHS WfTOP APPUANCES & FIXTURES. 3BD UPSTAIRS INCLUDING GREAT
MASTER W/DUAL WAU<-INS/SUNDECK/BALCONY. DRAMATIC 2STY TURETTED ENTRY W/SWEEPING STAIRCASE. HUGE BEAUT FAM
RM W/BLT-INS. KITCHEN OPENS TO REAR YARD W/PATIO SPACE 8t POOL. REMARKABLE UVING & DINING RMS OVERLOOK
PROFESSIONAllY LANDSCAPED GROUNDS. INTENSE CURB APPEAL ENHANCED BY GATED COURTYARD ENTRY. IPn_.t. R~nc.1
ROOMS: Breakfast Area,Dlnlng,FamIlY,Uvlng,Patio Open,Powder
EQUIP: BUilt-Ins
AIR: Central HEAT: Central
FLOOR: Carpet,Hardwood LAUNDRY: InSide
FIREPL: Uvlng Room ROOf:
POOL: Private TENNIS:
PARK: Carport,Detached.Gllrage SPA:
VIEW TYPE: None WATERFRONT:
SEC: fIN: Cash,Cash To New Loan
SEWER: POSS:
DISC: As Is SZONE: PropertY Report
OCC/SHOW: Usting Agent Accompanies
C:--LP:"$2.5~00 ~ SP: $ 0 _ -_ _
UI. e~/tlll/2eej'
DOM: 8
CD: 03/16/2007 SD~712007 =:> SSP:
WD:
OLP: $2.599.000
LAl: Michael L1bow LAl": 310-285-7509 LAl CELL: LA10THER:
LA2: LA2": LA2 CELL: LA2 OTHER:
LAl EMAIL: mJllbow@aol.com LA2 EMAIL:
L01: Coldwell BanKer-BH L01#: 310-273-3113
L02: L02#:
SAl: La\irenc;t:. Yot,J[1g SA1#: 310-777-2879 SAl CEU: SAl OTHER:
SA2: SA2#: SA2 CEU: SA2 OTHER:
SAl EMAIL: lilrryYOung@prula.com SA2 EMAIL:
501: Prudential CA John Aaroe SOl#: 310-777-7800
502: S02#:
CSO: 2.50% LT: ER LSA: No BAC: Yes LS: No EO: No PROBATE:
Broi<er/~llloesnol gua,onM lne accuracy 01 tt.e SQUll'" iOotllQe. 101 _ or 01..... tnfmnotoon CDt\Cl!!m'nglho <X>t\dtt1<ln. '" I.."""" 01 1M ~ ."..,..,.., l>'I 1M ,."Ie< or ~
from l>ubliC Recx:::r01 or ottll!r sources 8uye' 15 Mvtsed to lroepenoentty ~ ~ accuracy of alltnformatJon Ihl"a.J9h ~lln5PeC'OCrl i!IInd..,.,th bO'PI"OPN~ orof'esSIONts. Coo'YnQMt ~
2001 bY Comt»r'lf'O l.A f'Neststj~ MLS, 1t'Ic. In'ormatJOn oeemed relf)ble 'OlJt nOt guaranrp,eg.
http://pro.themls.com/AIl_Searches_Preview_Files/one_agent_detailyreview.cfm?prepared... 5/8/2007
J •
553 / 745
AGENT DEIAIL Page I of 1
Nivie Samaan
STATUS: So.ls:!
, > ~ 'UERLY "'L\<~; '!02~'.•• ' '. I.. fum...)
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RESIDENTIAL SINGL~ FAMILV AREA: (1) Beverly Hills MLS#: 06·115961 MAP: 6J2Lt!2 BR: 4
STYLE: Mediterranean SUB: PUD: VB: 1930 BA: 5.00
APN: 4.Dl.-.019-0n ZONE: BHRIYV HOD: $0.00 STO: 2 APX SF: 3,300/0T
ADP: VU: No PL: No APX LDM: APX L.5Z: 6,050/VN
APX ACREAGE: GH: None FP: 1 PKGT:
HORSE PROP: L5~: No LOP: No FUR: No PKGC:2
ELEM: CHECK WITH CITY JRHS: CHECK WITH cm SRHS: CHECK WITH CITY
DIRECTIONS: N OF OLYMPIC-W OF DOHENY

REMARKS: MEDITERRANEAN 2-STORY HOME IN THE HEART OF BEVERLY HILLS; CUSTOM APPUANCES CABINETS AND INTERIOR
PAINTING; 4BR,4BA MAIN HOUSE; IBR IBA GUEST HOUSE; GOURMET KITCHEN ADJACENT TO A LARGE FAMILY ROOM; CUSTOM
BARBECUE AND FlREPLACE IN THE BACKYARD. SELLER SPARED NO EXPENSE ON THIS BEAUTY. JUST MOVE IN. IPnvm. Re<TWb1
ROOMS: Breakfast
EQUIP: cable,Ceiling Fan
FLOOR: Mixed LAUNDRV: Inside
FIREPL: Other ROOF:
POOL: TENNIS:
PARK: Direct Entrance,Door Opener,Garage SPA: None
VIEW TYPE: None WATERFRONT: None
SEC: FIN:
SEWER: POSS:
DISC: As Is SZONE:
OCC/SHOW: 24-hr Notice
~--.",
LP: $2,450,000 OOM: 210 (,SP: $2,450,000 \ SSP: OLP: $2,950,000
LD: 07/25/2006 CD: 02/20/2007 , SD: 04/19/2007) WD:
LA1: Lallrni Omlngo LA1#: 310-994-3892 '~Ctt~O-600-7304 LAIOTHER:
LA2: LA2#: LA2 CEU: LA2 OTHER:
LAI EMAIL: laaml.omlngo@century21.com LA2 EMAIL:
LOt: Century 21 Platinum LOI#: 310-550-4551
L02: L02#:
SAl: Kenneth Um 5A1#: 818-547-6321 SAl CELL: SAl OTHER:
SA2: SA2#: 5.,2 CELL: SA2 OTHER:
SAl EMAIL: remaxglenclale@earthlink.net 5.,2 EMAIL:
501: Re/Max Optima 501#: 818-240-6065

502: 502#:
CSO: 2.5% LT: ER L8A: No BAC: Yes L5: No EO: No PROBATE:
8roiter/"'ge"l cloe1 not 9"1'''''''''' the aa:uracy or the >QUa'" rooa.oe.

lOt SlZe 01: otI>er Infofmatlon CXl,,,,,r,,,"'l the cona~l()'" 01: rearures IX the Qt'Ol)l!tly ptOYlOed t>'I the SdIer 0 1 : _
from PublIC Recads or other 5OO/'C.I!!§,. Buyer LS advtsm to I~enttv If"e'1'lfy rtte oXCJnK)' 01 oIl ntonncKJQrl tnrouo" personal Inspecbon and WlttI appropnIt!' protes~. Copryngnt ~
~OO7 t>'I comt>_ L.....IWl!SUKle MLS. 1,", In'","",non oeeme<l r~bIe but "'" QUoranU!8l.
http://pro.themls.comlAJJ_Searches_Preview_Files/one_agent_detailyreview.cfm?prepared... 5/8/2007
554 / 745
AGE?.TT DETAIL Page I of2
'[yv
))~L~
Nivie Samaan
STATUS: SQld ADDR~S: 261 S CAMDEN D!,~~£'l£Rt.Y HIlL£,C~ 90;l12
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RESIDENTIAL SINGLE FAMILY AREA: (1) Beverly Hills MLS#: 06-127679 MAP: 6Wfl BR: 3
STYLE: Spanish SUI: PUD: VB: 1930 BA: 2.50
APN: 4.328.::02S~Oj..6 ZONE: BHRIYV HOD: $0.00 STO: I APX SF: 2.456/AS
ADP: VU: No PL: No APX LDM: 50X127/AS APX LSZ: 6,400/A5
APX ACREAGE: GH: Det'd FP: 2 PKGT: 2
HORSE PROP: LSE: LOP: FUR: No PKGC:
ELEM: BEVERLY VISTA JRHS: SRHS: BHHS
DIRECTlONS: SOUTH OF WILSHIRE-NORTH OF OLYMPIC-WEST OF BEVERLY DRIVE

REMARKS: IMMACULATE/RESTORED/AUTHENTIC OLD WORLD I-STY COURTYD SPAN W/3BR+2.5BA+STUDY/DEN+DETACHED
OFFlCE(OFC W/O PERMIT). GOURMET KIT W/ VIKING APPL & CARRERA MARBLE OPENING TO PRIVATE GATED FRONT COURTYD.
LOVELY MASTER SUITE W/FRENCH DOORS OPENING TO YARD W/SPA & BBQ. GRAND 2-STORY ENTRY W/ LEADED GLASS
WINDOWS & STENCILED CEIUNG. LRG DINING & UVING RMS W/BEAMED CEIUNG5 & ORIGINAL ART DECO DETAILS BEYOND
DESCRIPTION. COZY STUDY/DEN ALSO W/FAB DETAILS & 2ND FIREPLACE. A/C, HARDWD FLRS, SEC SYS.
ROOMS: Basement,Breakfast Area,Center Hall,Den,Dlnlng,Uvlng,Offlce,Pantry,Patio Open,Powder,Servlce Entrance
EQUIP: Barbeque,Bullt-Ins,cable,Ce1Iin9 Fan,Dlshwasher,Gart>llge Dlsposal,Hood Fan,Mlcrowave,Range/Oven,RefrJgerator
FLOOR: Carpet,Hardwoocl,Marble,TIle LAUNDRY: Inslde,Room
FIREPL: Den,Gas,livlng Room ROOF: Composltion,Tile
POOL: TENNIS: None
PARK: Side By Slde,Uncovered SPA: Bath Tub,Hot Tub,Prlvate
SEC: Gated,Owned FIN: Cash,Cash To New Loan
SEWER: In Street pass: Close Of Escrow
DISC: As IS,listing Broker Advantage SlONE: Property Report
OCC/SHOW: 24-hr Notlce,Call LA I,Llsting Agent Accompanies
LP: $2,295,000 DOM: 155 ~2,320.0~

u SSP: OlP: $2,295,000
~
U
LD: 09/06/2006 CD: 02/08/2007 so: 03/26/20O7 / ) WO:
LAl: Steven Geller LAl#: 310-777-6237~--tAIC!Ll.: LAI0THER:
LA2: LA2#: LA2 CELL: LA2 OTHER:
LAl EMAIL: LA2 EMAIL:
LOl: Coldwell Banker-BH lOl#: 310-777-6200
L02: l02#:
SAl: Drew fenton 5Al#: 310-248-6409 SAl CELL: 310-560-3777 SAl OTHER:
SA2: SA2#: SA2 CEll: SA2 OTHER:
SAl EMAIL: drew@pruestates.com SA2 EMAIL:
501: Prudential CA John Aaroe 501#: 310-777-7800

502: S02#:
CSO: 2.5% IT: ER LBA: Yes BAC: Yes LS: No EO: No PROBATE:
8tt*e'/"Oe'1 does "'" g.... ""'tee the ocnncv 01 the tQ~ foolage, lot _ Of othef "'f<JrTNtlQn CDnO!"U"9 r"" COt\d~lOM a ~~ at tile llrolle'lY prtMdorj by tile .elor a _
/tOm PuDlO( ~. or omer SOOr05. !lu'fe< is _'sed to '~Ily Vf!rt/y tile oceu:acy at .II,nformatJOn tIVOu<1> ~1,nSllOCl"'" and w,ttl appropr1a~ ~IS- ~l iC
Z007 by Combtned LA./Wes~ MLS, !rIC. InformabOn ~ . - but not guaranteed.
http://pro.themls.comlAlI_Searches_Preview_Files/one_agent_detailyreview.cfm?prepared... 5/8/2007
,.
555 / 745
AGENT DETAIL Page 1 of I
<5>0er~ Gilleran Griffin Realtors

Nivie Samaan

310-849:-3816 nsamaan@sbcglobal.net
~--
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STATUS: pending 12.'00.000)

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lArger Map p,~1..Map ~erJ.aJ lIctP
Mel'.! Photos
RI!SIDENTIAL SINGLE FAMILY AREA: (1) Beverly Hills MLS#: 07-160739 MAP: 63Vf.3 BR: 3
STYLE: Spanish SUB: PUD: No YB: BA: 2.50
APN: 'l3~~0.29-,"~J)_4 ZONE: BHR1* HOD: $0.00 STO: 1 APX SF:
ADP: VU: No PL: Yes APX LDM: 60x128/AS APX LSZ: 7,680/AS
APX ACREAGE: GH: None FP: 2 PKGT: 5
HORSE PROP: No LSE: No LOP: No FUR: No PKGC:2
ELEM: Beverly Vista JRHS: Beverly Vista SRHS: Beverly Hills
DIRECTIONS: South of Wilshire - West of Beverly Drive
REMARKS: Prestigious Family home on famous Rodeo Dr. One-story Medit. center hall plan. Huge living rm with exquisite beams,
hardwood floors. Equal size family room with gorgeous hardwood floors as well. Formal dining room. Lite n brite/Remodeled kitchen
with center island/bUIlt-ins. Bkfst room. Large bedrooms. Lots of closets. Master bath has bidet. Master opens to large swimmers'
pool plus spa tub. Covered patio With fireplace. 2-car garage With EE.
ROOMS: Basement, Breakfast,Center Hall, Dining, Family, Living, Pa ntry,Patio Covered, Powder, Service Entrance
EQUIP: Bar1>eQue,Bulit-Ins,Cable,Dishwasher,Dryer,Garbage Dlsposal,Hood Fan,Microwave,Range/Oven,Refngerator,washer
AIR: Wail/Window HEAT: Central
FLOOR: Carpet,Hardwood,Tlle LAUNDRY: InSide
FIREPL: Family Room,Living Room,Patio ROOF: Composltlon,Tlle
POOL: Heated,Private TENNIS: None
PARK: Direct Entrance,Door Opener,Garaoe,Side By Side SPA: Hot Tub
VIEW TYP!: None WATERFRONT: None
SEC: Owned FIN: Cash To New Loan
SEWER: In Street,Paid POSS: Close Of Escrow
DISC: As IS,Court Approval Not Required SZONE: None
acC/SHOW: Listing Agent Accompanies
LP: $2,300,000 DOM: 47 SP: SSP: OLP: $2,300,000

LD: 02/07/2007 ~: 03/26/2007---. SO: WD:
LAl: Edith Newman

LA2: LA2#:
LA~
LAl CELL: 310-617-0644
LA2 CELL:
LAl0THER:
LA2 OTHER:
LAl EMAIL: LA2 EMAIL:
L01: Coldwell Banker-BH L01#: 310-273-3113 x 109
L02: L02#:
eso: 2.5% LT: ER LBA: No BAC: Yes LS: No EO: No PROBATE:
_1"'9<"1 doo!5 not 9IJllr2nte< tI>e acnncy r:# me "lua~ fooClloe. IOl _ a 0lIler informatIOn ronamlng the cond't>ons or tealun!< 01 tI>e property proY'Clecl !l'I the _ a ctnInftl
rrom PublIC Roc""" a 0lIler ""'IUS. Buyer 's o<Msel to ,~W """tv the acancy 01 oUln!onnabon thl'OlJ9h pef10Nll ,n'l>«!JOn 01'1(1 w,t!\ .ppropna~ prole..",... COp'fr'tQht Q
2007 by Combined l.A,/W_ MLS. !nc. InformabOn <leem«l reloaOlO bUt not guarantee<l.
http://pro.themls.comlAll_Searches_Preview_Files/one_agent_detailyreview.cfm?prepared... 5/9/2007
556 / 745
AGENT DETAIL Page 1 of 1
Jy-r-/ Nivie Samaan
~
STATUS: F'endinG LP: t2.~QOQ

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RESIDENTIAL SINGLE FAMILY AREA: (1) Beverly Hills MLS#: 07-157175 MAP: 632LfJ BR: 3
STYLE: Spanish SUB: PUD: No YB: 1930 BA: 3.00
APN: '13lB.:Ql7.-0J.9 ZONE: BHRIYY HOD: $0.00 STO: 1 APX SF: 2,602/AS
ADP: VU: No PL: No APX LDM: APX LSZ: 7,680/AS
APX ACREAGE: GH: N/A FP: 2 PKGT:
HORSE PROP: LSE: No LOP: No FUR: No PKGC:2
ELEM: lRHS: SRHS:
DIRECTIONS: MCCARTY DRIVE

REMARKS: MONTECITO IN BEVERLY HILLS. EXQUISITE SPANISH DESIGNED BY ERIC BLACK, 1930. ON BEST STREET IN SW
FLATS. FEATURES 3BD+3BA+DEN/OFFlCE. WOOD FLOORING, LR W/ SANDBLASTED BEAMED CEIUNGS. HUGE FORMAL DINING
ROOM, NEWER KITCHEN W/ VIKING RANGE+GRANITE COUNTERS+LARGE, GRASSY BACK YARD. NO SIGN, BY APPT ONLY.
ROOMS: Breakfast.Center Hall,Den,Dinlng,lIvinO,Office

EQUIP: Built-Ins. Dishwasher.Dryer. Freezer,Garbage Disposal. Hood Fan, Ranoe/Oven, Refr1oerator, Trash Compactor. Washer
FLOOR: Hardwood LAUNDRY: InSide
FIREPL: Den,Living Room ROOF: Tile
POOL: TENNIS: None
PARK: Detached,Garage SPA: None
SEC: Owned FIN: Cash To New Loan
SEWER: In Street POSS: Close Of Escrow
DISC: As IS,Owner Is ListinO Aoent SZONE: None
OCC/SHOW: Appointment w/Ust. Office,call LA 1
LP: $2,295.000 ~ SP: SSP: OU': $2,395.000

LD: 01/24/2007 (_ CD: 04/17/20~~ SD: WD:
LAl: Jan Horn "l:x1#. 310-7'77-6220 LAl CELL: 310-710-3636 LA10THER:
LA2: LA2#:· LA2 CELL: LA2 OTHER:
LAl EMAIL: Jhorn@coldwellbanker.com LA2 EMAIL:
L01: Cold we Ii Banker-BH lOl#: 310-777-6200
L02: L02#:
CSO: 2.5% LT: ER LBA: No BAC: Yes LS: No EO: No PROBATE:
_"'/AQenI <loe< no! ~_l1le a<cuTKl' of rtoe SQUa", fooaIQe. lot ..... Of _ I"formal"'" ccn<emoq rtoe con<lIN,"s 0< futures allhe ~ P<'CM<led by the seller O f _
from PublIC Rocmls Of _ """rt:es. ~ IS _,sed
to ~ I / y venfy Ill. aco.ncy d all ","""'atoon tllrouqll penonal WlSll<CtU' anO W11ll appmpnatr proIewonats. Copyrlo/ll 0
2007 by CDmblned l.A./W_ MlS, Inc. I"format"'" oeeme:J relIable !luI no< g ... ""'I...o.
hnp://pro.themls.com/All_Searches_Preview_Files/one_agent_detail-.rreview.cfm?prepared... 5/9/2007
557 / 745
~
N9V 03 O~ 05:23p
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A(il:N'r D(,TA/L
• Nivie Samaan
• t Page 1 of I
1333 Westwood 81, Los Angeles, CA 90024
-' .---------~
310-849-3816 nsamaan1@aol.com
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320 S P[CK DR. O~V[RLY HIU.s 90212 $1,695.000
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RESIDENTIAL SINGLf FAMILY AREA: (1) 6ev~ly Hills MlS#: 04-011C>llju MAP; 632/1-:3 IlR: 4
STYLE: sp;ln,,,h SUB: PuO: VB: 1930 BA, 3.00
APH, 4)]tt-O;>4-0]] ZONE: rlHRIYY HOD: j.O,OO STO: -; APX SF' ;> ,(,~;ofVN
ADP: VU: No PL: No APX LOM: APX LSZ: 6!IOO/VN
APX ACREAGE: GH: N/A FP: 0 PKGT: 7
HORSE PROP; LSE: No LOI>; No FUR: No PKGiC:'
fLEM: CK W/CITY lRHS: SJtHS: '" VI kLY HILLS
DIRECTIONS: S. OF WILSHIREI W, OF BEVERLY OR
REMARKS; TRFMFNDOUS VALUE 1'. r>OTCNTIAL IN TI115 CHARMING OLDUI 2STY COURTYARD SPANISH' SUNLIT RMS W/WD HRS,
PF RIOO OFTAIL, l'o PARTIAlUrOATCS ... LG I1D (J UP'~TRS/ 1 DOWNS'TRS), QUAINT KITCH W/lOVH Y RR[I\I(FI\ST RM, GRACIOUS
[NTRY 8. STAIRWELL W/STRII(ING STONE FLR. BEAUT L1V 8t DINING RMS. LUSH llo. PR.IV uo.NDSCAPING W/lG GRASSY BACKYARD'
CURB APPEAL ON A PRIMe QUIli' STREET' SOLD IN STRICTLY 'AS IS' CONomON' CHIMNEY CAPPFD BY PREVIOUS OWNER AFTER
NORTHRIDGE F,\RTHQUJ\KF.
ROOMS: 6rt!!"kfa~t.Oln,nQ.L,,,onQ,Servl(;eEntr"ncc
EQUIP: Range/Oven
AIR: Nonl' HEAT, (.r.Wtfy
FLOOR; HMa .. ooc ~UNO~V: )n';ldf',Room
FJREPl: None ROOf:
POOL: Room For TENNIS.
PARk: Dc-t,'Chpd,C.".'Cj.',:>f(l,· fly SiC" SPA:
VIEW TYPE: Non" WATERFRONT:
SfC: FIN; Co:lSIl,Co:lSIl To New lO;,n
SEWER: POSS:
OI5C: f\": I" S20N~: Pro[)C"rty ~f'port
OCC/SHOW: ll';f1n<J J\(Jf'nt Accomp.'M1''''i
LP: ~l,(.q~.,OOO DOM: S2 SP: SSP: OlP: ~1,69S,OOO

LO: Oll/OH0004 CD: 0'](7'1/,004 SO~ wo:
LA1: Mi(n.)cl Ubow LA1#': 310-285-7509 LAt CELL: 1-101 OTHER:
LA2: ~2"; LA1 CU.I.: lA2 OTHER,
LA1 E... AXI.: "'jl,/)nw'''\,KI/f(JIll LA2 f:MAIL:
LOt: Coldwell Banl<t!!r-BH LOl.: 310·2B-31lJ
L021 L02#:
CSO, 7.50% LT: FR LBA: No BAC: Yc~ LS: No EO: NO p~oeATE'
bl"C:*ty/AQO"ltODCS not Ou,.lI'\Vlttt' rtlI(' lJCCV~ aI~ 5Ollo."tl"f:

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http://pro.thcm!s,c.:om/AlI_Scarchc.:s_Prcvicw Files/one agent detail prevlcw.e

, ti" (/
m. prc'rare .., 11/3/:2004
-_.~_ . -..
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558 / 745
I , ..
• •
Page 1 of I
1
SUb~"
Date
Samaan
10/2912004 14947 PM Pacific Daylight Time
Fro JZ12345@earthhnk.net
To: I Mjlibow@aol.com
I
October 29, 2004
I
Hi Midhael
i
If sa~aan Attorney calls you, please ONLY tell him that I am not going to
r
sell th house to anybody else in the near future.
Than~s,
Josep
Monday, November 08,2004 America Online: Mjlibow
559 / 745
/" STATE
OF AC
UNION BM<K Of CAlifORNIA
BEVERLY HILLS G72
PO BOX 512380
LOS ANGELES
NT
UN T5
CA 90051-0380
JJge I of 2
5/31/07·6/28/07
Teleservices®
For 24·hour Aclornaied Direcl Service
8CO·238·4486
H
800 B26-7345(TDD)
Representatives are available
from 6 om 10 t I pm
To open addiflonal accounts,

or apply For loons, calf your
CY20 Z 0 B 1030 banking oFFice 0/ 3/0-5506522
NIVIE SAMAAN-LLOYD
Vls;t us 01 www.uboc.com
133 S PECK DRIVE # 104
BEVERLY HILLS CA 90212
Thonk you for bonking with us
sir.ce 2005
SUMMARY OF ACCOUNTS
Days in slalemenl period: 29
Beginning balance .. . Ending balan""

Deposit ~cco\l_-,n,,:ts~_ _ Quaf,lying balance on 5/3 , Add/r,on, Suh/racllon, an 6/28
Regular Checking $ $ 315,B39.77 $ 25,26750 $ -22,03950 $ 319,067.77
0721252161
560 / 745
DECLARA TIO~ OF VICTOR PARKS
211 l, Victor Parks, state and declare as follows:
3
411 1. I am a Senior Loan Consultant \vith Pacific Mortgage Loan
5 II Consultants. I have personal knowledge of the facts set forth herein, v;hich are known by
6 II me to be true and correct, and if called as a witness, I could and \vould competently testify
7 II thereto.
8
911 2. I have over 30 years of experience in real estate lending and sales. I
tOil have been a Senior Loan Consultant with Pacific Mortgage for approximately 4 years. As
11 II a Senior Loan Consultant I act as a broker between lenders and borrowers. My duties
t 2 II include gathering information needed by lenders from borrowers and facilitating the
13 II procurement of loans. I have been a loan broker since 1986. Prior to that from 1982 to
14111986 1 was a Vice President and Corporate Loan Officer for Bank of California (now
15 II Union Bank). Before that from 1971 to 1982 I was Assistant Vice President/Corporate
16 Loan Officer at Bank of Southern California. As a loan officer at both Bank of California
17 and Bank of Southern California I was responsible, among other things, for reviewing loan
18 II applications, packaging loans and determining whether borrowers applying for loans met
19 II the bank's criterion. In addition to the above, since 1999 I have been a licensed real estate
20 II broker. Attached hereto as Exhibit 20 is a true and correct copy of my most recent resume
21 II outlining my experience and qualifications.
22
2311 3. When deciding whether to lend money to a buyer of residential real
24 II estate, like ~1s. Samaan, a lender examines three factors: (1) the borrower's ability to
25 II repay the loan, (2) the borrower's willingness to repay the loan and (3) the lender's ability
2611 to recover the loan should the borrower fail to repay. With respect to the first category, the
27 II lender will look to the borrower's income and debt structure. The second category is
28 II analyzed based on the borrower's credit history and score. For the first two categories the
561 / 745 -1

\\'02-\\LST 1\l\lK I -1i)0322S07 1
Court File: "Volume IV Continued" DECLARATIO:"J OF VICTOR PARKS
Ii
borrower is the pal1y \vho provides the lender \vith the requisite infonnation, such as a
2 II credit rep0l1, bank account statcments, etc. The third category - \vhat happens if the
3 II borrower defaults - is based on the value of the propeliy. The information needed for the
4 II lender's analysis of this category comes mostly from the seller. When a borrower has thc
5 II propcl1y appraised, hc/she will submit that appraisal to the lender. The lcnder will then
611 review the appraisal, to determine whether the value is justified. The lender will not
7 II approve the loan until it has reviewed and approved the appraisal. In revicwing the
8 II appraisal the lender needs several key documents, two of which are the prcliminary title
9 II report and the fully executed purchase agreement. A purchase agreement consists of a
10 II Residential Purchase Agreement and Joint Escrow Instmctions. The preliminary title
11 II report must be provided by the seller and the purchase agreement must be executed by
12 II both parties. The preliminary title report may contain a host of items that effect the value
13 II of the property. These items include encumbrances, easements, encroachments, mineral
14 II rights, conditions, covenants and restrictions or Home Owners Association restrictions.
15 II The lender also needs the fully executed purchase agreement before it can review and
16 II approve the appraisal of a property, because the terms of the purchase agreement may
17 II effect value. For example, if a seller has agreed to return $100,000 of the portion price
18 II back to the buyer, then the value of the property should be reduced by 5100,000. A lender
19 II cannot approve the appraisal and loan for a property without first reviewing the
20 II preliminary title report and the executed purchase agreement. Borrowers typically will not
21 II remove their appraisal contingency until the lender has approved the appraisal of the
22 II property. In a residential purchase transactions, such as the one involved here,
23 II contingencies are in place to protect the purchaser. For example, an appraisal contingency
24 II means that the buyer's purchase of the property is contingent on the property appraising at
25 II the purchase price the parties have agreed upon. An appraisal has two components. The
26 first is an appraisal done by an independent appraisal agency, here Property Sciences
27 Group, Inc. Once the independent agency appraises the property and prepares a report, as
28 Property Sciences Group, Inc. did here, that report is sent to the lender. The second
562 / 745 -2

W02-\\FST 1\l\IKl -11)1).1228071
Court File: "Volume IV Continued" DECLARA. TlO0i OF VICTOR PARKS
II
component of an appraisal is the lender's approval of the appraisal done by the independent
2 II agency. Since the lender is lending money secured by real estate, the lender wants to
3 II ensure that in case of default, the security will sell for an amount that will cover the
4 II obligation under the loan. This is the point where the lender needs the fully executed
511 purchase agreement and preliminary title report to conduct its revie\v.
6
711 4. In or around September 2004, I was retained by Nivie Samaan to
8 II procure a loan for her to purchase the property located at 320 South Peck Drive, Beverly
911 Hills, California 90212 (the "Property").

10
11 II 5. On or about September 15, I learned from Samaan that Zernik had
12 II accepted her counter-offer (second counter-offer total) and she instmcted me to begin the
13 II process of procuring a loan for her purchase of the Property. She informed me that escrow
1411 was to close on November 1,2004. Samaan also told me that since she was going to be in
15 II Hawaii for one week for her wedding, Zernik had agreed to move the acceptance date to
16 II September 23, to allow Samaan enough time to meet her obligations under the parties'
17 II purchase agreement. On or about September 24, Samaan submitted the necessary financial
18 II documents to me to begin processing her loan. I asked Samaan for the fully executed
19 1/ Purchase Agreement (consisting of 1) Residential Purchase Agreement and Joint Escrow
20 II Instmctions, Buyer's Inspection Advisory and Wood Destroying Pest Inspection and
21 II Allocation Cost Addendum, 2) Defendant's counter-offer, and 3) and Samaan's counter

22 II offer to defendant's counter-offer) (collectively the "Purchase Agreement") and the
23 II Preliminary Title Report (the "Escrow Package"). For a document to be fully executed,
24 1/ both parties must sign every page where applicable and also initial the bottom right comer
25 1/ of the Residential Purchase Agreement and Joint Escrow Instructions. Samaan told me
26 1/ that she \vould contact the escrow company selected by Zernik Mara Escrow' Company
27 ("Mara EscrO\v"), and request the Escrow Package. The escrow agent at Mara Escrow
28 working on this transaction was Gail Hershowitz.
563 / 745 -3

wo~- \\ EST] \1\lK I -l003~~~O; 1
Court File: "Volume IV Continued" DEC LARA.TIO" OF VICTOR PARKS
6. On Monday September 27, I began processing Samaan's loan and
211 ordered an appraisal of the Propcr1y. The next day, on Tuesday September 28, I emailed
3 II Zemik's agent Michael Libow and informed him that I had begun processing Samaan's
4 II loan. However, I could not submit the loan to the lender, Country\'.:ide, until I had the
5 /I Preliminary Title Report and the fully executed Purchase Agreement. I told Libow that we
6 /I expected final loan approval in 10 days. Libow \vrote back telling me 10 days is a lengthy
711 period "given the buyer's loan contingency". I responded that we had been informed that
8 II al1 deadlines would start from September 23. Libow never told me or to my knowledge,
9 II anyone else, that he disagreed with this understanding. Attached hereto as Exhibit 21 are
10 II true and correct copies of my email communication with Libow.

11
1211 7. On Wednesday, September 29, I called Mara Escrow and asked them
13 II to send me the Escrow Package. I told Mara Escrow that any delay by the seller in
14 II delivering the Escrow Package would delay the approval of the loan. The lender could not
15 II and would not approve the loan without the Preliminary Title Report and the fully
16 II executed Purchase Agreement. Mara Escrow responded that they were waiting for Libow
1711 to send them the fully executed Purchase Agreement.

18
1911 8. The next day, I again contacted Mara Escrow and asked that they rush
20 II the Escrow Package to me. I did not receive a response to from Mara Escrow and notified
21 II Samaan that I still had not received the Escrow Package.
22
23/1 9. On Tuesday, October 5, I again contacted Ytara Escrow and asked for
24 II the Escrow Package. I told Mara Escrow that I was ready to submit the loan for approval
25 /I but needed the Escrow Package before I could do so. Later that day ~fara Escrow left a
26 voicemail for me informing me that they needed more time to send the Escrow Package to
27 me because Zemik had not yet delivered the Purchase Agreement to Mara Escrow. ~1ara
28 Escrow told me "you're a little premature ... could you call us back in a few days ... and
564 / 745
\\02- \\ E~ r 1\1 \1 K J 400322807 I
-4
Court File: "Volume IV Continued" DECL\RATIO:-: OF VICTOR PARKS
then we can send you what you need." Attached hereto as Exhibit 22 is a tme and correct
')11 copy of transcript of)';1ara Escrow's voicemail for me. After receiving this voicemail, I
3 II sent an email to Libow telling him "we'll be ready to submit for loan approval tomorrow
4 II when the appraisal is in. Unfortunately, we called escrow to follow-up on our request for
5 II [escrow] instructions and prelim[inary Title Report] made on 9/27 and they're saying we
6 II may not get everything until next week ... As you're aware, we need these items to submit
7 II for final loan approval." Attached hereto as Exhibit 23 is a true and correct copy of my
811 email to Libow dated October 5, 2004. Libow did not respond to my email.
9
loll 10. Still not having received the Escrow Package, on Wednesday, October
11 116, I urged Samaan to contact Mara Escrow. Finally, on Wednesday, October 6, after the
12 II close of business, at 5: 38 p.m., Mara Escrow sent some, but not all, of the necessary
13 II documents to me. Specifically, Mara Escrow delivered the Purchase Agreement (still not
14 II initialed one every page by defendant) and the Preliminary Title Report to Samaan and me.
15 II Mara Escrow did not, however, deliver the fully executed Purchase Agreement. Because
16 II Mara Escrow sent the document after the close of business, I did not receive the documents
17 II until the next day, Thursday, October 7. One day later, I notified Libow that I was
18 II submitting the loan to the lender, Countrywide for approval but that the lender would not
19/1 receive it until October 12, because Monday October 11 was a holiday.
20
21 II 11. The following week, on Friday, October 15, I learned that the lender,
22 II Countrywide, was suspending a decision on the loan because Zernik had not yet sent me
23 II the fully executed Purchase Agreement. I immediately contacted Mara Escrow and urged
24 II them to send me the fully executed Purchase Agreement. Mara Escrow told me that they
25 II had not yet received the fully executed Purchase Agreement from Zernik. The following
26 II Monday, October 18, ;Vlara Escrow sent me some additional documents, but still not the
27 fully executed Purchase Agreement. Not having received the fully executed Purchase
28 Agreement, I pleaded with Countrywide to conditionally approve the loan.
565 / 745 _~_-L

WU2-WEST 1\l\fK] 40()322807 ]
Court File: "Volume IV Continued" DECL\RATIO;\; OF VICTOR PARKS
12. On ~londay October 18, at my urging, Countrywide conditionally
2 II approved the loan. I informed Libow of this fact and told him that the loan is conditioned
3 lion the appraisal revie\v due by the end of the week, October 22, and the lender receiving
4 II the executed Purchase Agreement.
5
611 13. On Thursday, October 21, I contacted Mara Escrow and infonned
7 II them that I was ready to order all the loan documents, but could not do so until I received
8 II the fully executed Purchase Agreement. I also told Mara that the lender would not approve
9 II the appraisal review until had a fully executed Purchase Agreement, initialed on every
10 II page by Zemik.
11
1211 14. On Friday, October 22, r called Mara Escrow and pleaded for a fully
13 II executed Purchase Agreement so I could forward it to Countrywide so they could approve
14/1 the appraisal review of the Property. At this point, the only thing preventing the
15 II Countrywide from completing its review of the appraisal of the Property was the fact that
16 II it had not received a fully executed Purchase Agreement initialed on every page by Zemik.
17 II At approximately 3:42 p.m. Mara Escrow sent me a copy of the Purchase Agreement.
18 II Attached hereto as Exhibit 24 is a true and correct copy of the facsimile cover sheet and
19 1/ Purchase Agreement Mara Escrow sent me on October 22, 2004. This document is not
20 II initialed on every page by Zemik showing that as of 3:42 p.m. on October 22, Zemik had
21 II yet delivered to Mara Escrow a fully executed Purchase Agreement. Subsequently, later
22 /1 that day, Mara Escrow sent me a fully executed copy of the Purchase Agreement.
23 II Apparently, at some point after 3:42 p.m. on Friday, October 22, Zemik went to Mara
24 II Escrow and initialed every page of the Purchase Agreement. I immediately fOf\varded the
25 II fully executed Purchase Agreement to Countrywide. I then emailed Libow to provide him
261/ \vith an update. Later that day, Libow wrote back in an email to me and copied to Samaan,
27 II thanking me for my update and raising the possibility of a two vleek extension of close of
28 II escrow to enable Zemik to find another place.
566 / 745 -6

\\o].Wtsr l\l\lKJ ..00322SU' I DECLARATIO~
Court File: "Volume IV Continued" OF \ ICTOR PARKS
','
15. The following Monday, October 25, [ received the lender appraisal
2 II approval and immediately informed Libovv of the same. Attached hereto as Exhibit 25 is a
311 true and correct copy of my email to Libow dated October 25, 2004.
4
511 16. The only reason Countrywide did not approve the appraisal of the
6 II Property was that we did not timely receive the Preliminary Title Report and the executed
7 II Purchase Agreement. Here, Zernik and Libow did not deliver the Preliminary Title Report
8 II to me until Thursday, October 8, 2004, one day before a three day weekend. Therefore,
9 II Countrywide did not have the Preliminary Title Report until Tuesday October 12. But
10 II even with the preliminary title report Countrywide could not approve the appraisal until it
11 II had the Purchase Agreement, which Zernik did not provide to us until Friday, October 22,
12 II one day before he attempted to cancel escrow. Even with all of Zerniks' delays, the loan
13 II was approved on October 22. We had one full week before the deadline for close of
14 II escrow. It would have only taken a few days for the loan documents to be prepared.
15 II Based on my experience I believe that the parties could have closed escrow by November
16 111,2004. If Zemik had complied with his obligation to provide Samaan with a fully
17 II executed Purchase Agreement by September 27,2004, Samaan would have been able to
1811 remove the Appraisal Contingency by October 11, 2004.

19
20
21
22
23
24
25
26
27
28
567 / 745
WI!2-\\f)1 1\1\11<.1 -+u0322S07.1
-1
Court File: "Volume IV Continued" DECLARATION OF VICTOR PARKS
61 ~3-2239 p.9
Jul 10 2007 1:57PM '.RSERJET FRX
1 17. Attached hereto as Exhibit 26 is a true and correct copy of the

') 'I appraisal of the Property done by Property Sciences Group, Inc.. appraising the Property at
3 )1 $1,718,000 as of October 2, 2004.
4
5 I declare under penalty of perjury under the laws of the State of Cali fomia
6 ;1 that the foregoing is true and correct.
7
8 Executed on July ~ 2007 at S 4,) J;2/SW, California.
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25(
26 I
I
27
28 1
-8
\VOl-WEST I\1\1K j'.4003228D7.1 DEC LARAnON OF VrCTOR PARKS
568 / 745
,
• ~
•
Victor L. Parks, Rea) Estate Broker
3050 Rue D Orleans #476
San Diego, CA 92110
619-223-7615
e-mail: victor@victorparks.com
SUMMARY OF QUALIFICATlO;\lS
• Over 30 years experience in Real Estate Lending and Sales

• Experienced Marketing Director for a Large Real Estate Development Company
• Licensed Real Estate Broker in the State of California
PROFESSIONAL EXPERIENCE
Vice President/Owner
Delta Pacific Capital, Inc. 2003-Present
(DBA: Pacific Mortgage Consultants)
Beverly Hills, CA
• Manager of all Real Estate Loan Operations
President/Owner
Delta Pacific Properties 2003 - Present
San Diego, CA
• Manager of Real Estate Sales Agents and Loan Officers

• Equity Manager for Selected Clients Real Estate Holdings
Senior Vice President, Marketing Director/ Corporate Secretary

International Builder Limited 1998 - 2003
San Diego, CA
• Corporate Secretary for the Board of Directors

• Oversaw all Marketing Material for North and South American Operations.
Senior Vice President, Corporate Secretary

Myriad Industries, Inc. 1992 - 1998
San Diego, CA
• Corporate Secretary for the Board of Directors

• Division President of Corporate Subsidiary AIS Electronics
569 / 745
,
•
(parks resume page 2)
~
•
President/Owner
Delta Pacific Mortgage 1986 - 1992
San Diego, CA
• Manager of all Real Estate Loan Operations
Vice President/Corporate Loan Officer

Bank of California 1982 - 1986
San Diego, CA
• Responsible for Commercial Loan Portfolio in excess of$42 million Dollars

• Business Development Officer for San Diego County Operations.
Assistant Vice President/Corporate Loan Officer

Bank of Southern California 1971 - 1982
San Diego, CA
• Responsible for Commercial Loan Development for Business under $25 million
in Sales at the Banks Main Office 1981-82
• Branch Manager 1979-81
• Assistant Branch Manager 1978-79
• Bank Auditor 1973-78
• Operation/Loan Officer 1971-73
EDUCATION
BS Business Administration 1971

University of Nebraska
Omaha, NE
Graduate of Commercial Banking School 1983

University of Oklahoma
Nonnan, OK.
Graduate Studies in Finance 1984

National University
San Diego, CA
570 / 745
~?: l1B IHX 3
571 / 745
Page 1 of 1
Subject
O,t.
From
To
: sama., .)rocess Today!!!
Tue. 28 Sep 2004 10:03:00 -0700
Linked to: Michael J. Libow
Vietor Parits <Vlctor@PMLoans.com>
Michael J. Libow <mjllbow@aoLcom>
• J
Hello Michael:
This e-mail is to inform you that the loan for Ms. Nivie Samaan has begun process today!! We've ordered escrow,
title & appraisal and estimate final loan approval within 10 business days.
You look out for your clients everyday - and so do 1. Our # 1 goal is to provide our clients with unsurpassed
customer service. along with the best rates and programs available.
We're confident that you'll find our level of service and commitment second to none.
Sincerely,
Vietor ParkS
Sr. Loan Officer
Victor@PMLoans.com
310.275.5353 Office
310.496.3256 Fax
about:blank 10/27/2004
572 / 745
573 / 745
·) • J
TEXT FROM 11/04/04 E·MAJL TRANSMITTING TELEPHONE
MESSAG E TO "VICTOR" ON 10/05/04
Hi, this is for Victor regarding the Property at 320 South Peck Drive. We don't even have
Escrow Instructions drawn up yet on that. so, you're a little premature. Could you, urn, call
us back, ah, we don't have the Escrow Number yet. Could you call us back in a few days
so we can, ah, log in your, your company's name and then we can send you over what you
need.
Louise at Mara Escrow (310) 550-7400.
End of Voicemail Message.
574 / 745
Page I of I
SUbject
Date
L.inked
From
To
:
to:
sa.E.. , .ltndKlns & Prelim
rue, 5 Oct 2004 17:39:00 -0700
Michael J. Libow
Vietor Panes <Vietor@PMLoans.com>
Michael J. Libow <mjlibow@aol.com>
• J
Hello Michael. We'll be ready to submit for loan approval tomorrow when the appraisal is in. Unfortunatety, we
called escrow to follow-up on our request for instructions arid prelim made on 91 nand tht:{re saying we may
not get everything until next week. If there's anything you can do to expidite this. it would be appreciated. As
you're aware, we need these items to submit for final loan approval.
Thank you,
Victor ParXs
Sr. Loan Officer
Victor@PMLoans.com
310.275.5353 Office
310.496.3256 Fax
10127/2004
about:bJank
575 / 745
Page I of~
Subject
Oat.
: ~. ,.J Appra,sal RevM!W Status
Fri, 22 Od 2004 17:43:00 -0700
• J
From Vidor Parks <Vldor@PMLoans.com>
To Michael J. Libow <mjilbow@aol.com>
Cc <bethstyne@coldwellbanker.com>. Nivie Samaan <NSamaan1@aol.com>
Please note the type-o .... I meant to ':><JY " Four days for loan approval and four to five days for appraisal revIeW
is not unreasonable in this market.·
Victor Parks
Sr. Loan Officer
Victor@PMLoans.com
310.275.5353 Office
310.496.3256 Fax
---------------------- Forwarded Message ------------------
From: Victor Parks <Victor@PMLoans.com>
To: Michael J. Libow <mjlibow@aol.com>
Date: Fri, 22 Oct 2004 17:1"1:14 -0700
Subject: Re: Samaan Appraisal Review Status
Hello Michael. I've given Beth status about an hour ago. Per my Rep at Countrywide the appraisal has not been
reviewed yet, so there's no verbal to give today. He assures me that we'll have the review by Monday.
In my conversation with Beth, she suggested extending escrow a week or so to allow your seller to secure a
residence. That might be the answer to this problem. Even with the appraIsal review done on Monday, it will be
very difficult (not Impossible) to fund this loan FridC!y, October 29th to be able to record and close on Monday
morning, November 1st per the escrow instructions.
As you know we did not receive escrow and title until Friday, October 8th, so Countrywide didn't recieve the loan
package until Tuesday, October 12th due to the weekend and holiday. Four days for loan approval and four to
five days for appraisal review is unreasonable in this market. This is a very clean loan approval and we don't
anticipate any delays in closing.
I'll contact you on Monday with status on the appraisal review sign-off and when we can expect loan documents.
Regards,
Victor Parks
Sr. Loan Officer
Vlctor@PMLoans.com
310.275.5353 Office
310.496.3256 Fax
- Forwarded Message ----------------------
From: Mjllbow@aol.com
To: Victor@pmloans.com
Date: Fri, 22 Oct 2004 19:04:35 EDT
about:blank
576 / 745
• • f l-h FXHIBrr~-5 p;S
FO I NTIFICATION"'"7
_ _ 20---",,-+
...;.LJ...~
CrikifV~A
MARA E5CR(J.iJ PAGE Ell

16/22/2664 15:42 31055El7531
9401 Wilshire Bl"'tl., Svite 515

Telephone (310)550-7.400
FAX (310) 550-7531
FAX TRANSMITTAL
DATE: October 22,2004 TIME: 3:53 PM
TO:
ATTN: Jason
FAX NO: 925-892-7966
YOUR REF: SamaaD
FROM Gail Htrsbowiti, Escrow OfficerlManagerfV.P.

)',1
RE: &crow No: 1-34S00-GB

Property: 320 S. hck Drin
Be¥frly Bl1ls, CA 90212
TOTAL NtThffiEROF PAGES: (lNCLUOlNG THIS l'AOE)
SUBJECT:
Purchase Contract
IMPORTANT NOTE: Should any of tb_ papen require 8Q ORlGINAL SIGNATURE. Please take a XERO;lt, COPY
BEFORE SJGNING. We will not accept 8D OrigiDal Signa~ on FAX paper.
Thank you for your cooperation in thiI matter.
THIS MeSSAGE IS INTI:NDEI;l ONLY FOR THE USE OF TBE INDIVIDUAL Oil. EN'l'I'I'Y TO WFlICH IT IS
ADDRESSED. AND MAY CONTAIN INFORMATION THAT IS PRIVILEGED OR CONFIDENTIAL, IF TKE :aEADER
OF THIS MESSAG5 IS NOT THE INTENDED RECIPIENT, OR THE EMPLOYE2 OR ACENT RESPONSIBLE FOR
DELIVER!NG TH:E MESSAGE TO THE IN'I'ENDE:!> RECIPIENT YOU ARE HEREBY NOTIFI:s:D THAT ANY
DISSEMINATION, DISTRIBUTION OR COPYING OF' THIS COMMUNICATION IS STRICTLY PROHIBITED. IF
YOU HAVE REA!) 'I'H:IS COMMUNICATION IN ERROR, PLEASE NOTIFY US :I:MMEDlATELY BY TELEPHONE AND
RETURN '!'HE ORIGINAL MESSAGE TO OS AT TIm ABOVE ADDRESS VIA TIm 0 . S . POSTAL SERVICE .
)l{O
577 / 745
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578 / 745
Court File: "Volume IV Continued" ! ~·,j'~~~...,o .,., :1""... """" "'" "' __
Samaan v Zernik (SC087400) Los Angeles Superior Court rE~Lb~~GrE ~p:~t pgez/zz/er
16/22/2684 15: 42 3.' MARA ES~ ,..~ [J.:J
~,-I" r I 310 271 4634 -2 ..
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COU.."".A OFFER fCO-" PA(i~ 1 01'" 1) _.,
579 / 745 3
1B/22/2BB4 15:42 31 531 MARA ESCR()o.I PAGE el4
-~,., '"',. "VL.LJ1\"~LL C"",~.
310 271 48~j • St.- .c-04 3:49PM; PAGE 2
CAUFORNIA .
""~ (.: ,\ I. I r II 1< " I ,\ RESIDENTIAL PURCHASE AGREEMENT
. . .~~ A to; s () ( , .\ '\ I U " AND JOINT e:SCROW INSTRUCTIONS
.. ~ Of' K r. "'1." O~~,·' For lNIe WrltJ SIn91e FAmily R8aloential ~rty -"'ltKhed Of Debcr.d
{C.A.R.1"omI ~"'.cA. AaviSe~ '0102}
OGle sept~r-L-Z.~ oJ: _ § ..... r.ly UJ 1. , calWomia.
1. OfFER:
1'<, nonS IS ... N OFI'"FR FROM Hi ....; . S!f!!!1!fD rl!luyttj
S. THE REAL PRO~ER"!'Y rO 6E ".::.:lUIR£D ~ .,.,=r.btl(;l n 32' $. ~ .. ..;iK ;l;;:"... e, S<ov1JrJi' H~':'.!s, CA 9C1:.1
___ ,__ ,AsaeSlcr'5 ~rcel~, 4328-021-023 ,situate<l in
_ _ _ _ _- - ' ~ RiJ.l€ , C01Jnty til WI Ange 7 ..5 ._ ,c;.elifcm., rpropeny).
C. TH£ PURCH,ASE PRICE ollere(l" an .. Xil I i on Si.x ~ed Sre.,ty Z'hpllbU¥'
. __ .____ Dolbf'5 $ .!,l......l!:€-!,7.!<C......lo!O..
OJ.l.a.....lo!O~O _
D. CLOSE OF ESC~OW sl1all occur on. _ Octob«z: 15, 2Q04 (oall:) (or 0 Days Ale I "'~U1rlC»).
2. F1NAN~ TERMS: Oblarnl"O the ~.ns belo'W IS • COl'lting.ncy m thlll Agrwement unlQU: (I) . b r 2K or ~L ia c::fIed<.d bllloW Of (Ill othelWl5e
e~reed In Wfihng. B~r ~nlli.et dll9crrt'y and in good llIUh 1D oD1Ol1n Ole de~lIa(ed loa"'.
Otllanng CIlposit. dowlI oa~ment It'd dOM1g costs Ia .ot
a contingency. Buyer reprft'l nlS thai follClS V,lIn /)f gOOd whllfl depoaited WIth Escr_ Holdel.
..... INfTlAL DEPOSIT: Buyer has g_n I ~1lO$C ,n the amount of " ...................••..•• . .. S 10, OOC. 00
to lIllr ao-nt .ubmitMQ tl'lc offer (or tQ iJ I, by personal c:r.d<
(or C. ... I. INl'de pray;ble 1(1 ~ ..,...."""" _
wI\lcII SNlll bt Mold uncnlle;:l u"tM AQ:leP~"ct end tllen 0ep0Ull(l .... itllhI ;, bu.inesl ~.Y$ ~r Aco8pcan<»
(or :J __ __ _ ). WiltI
E=_ l-lold",. (0' 0 Into Qroker's t"....hceount).
$ _
B. IHC~SEO DEPOSli: Buyer shAW deposit WIth Escrow Holder an incr'lllned dePosit in the .mount tJJ
WlUlln Dey. A1tIIr Aa::aplanca. or 0 ,.-- -,- _
C, FIRST LOAN IN THE AMOUNT OF . . . . . . . . . . . . . • . . . . • . . . . • . . . . . . . . . • • . . . . . . . . . . . . . • , .• $ 1,336,000.00
(11 NEW F~ ~~ of T~ In h1vor of lend'r. enCUmbering tile Prgp.rty••• cunftG. "*
payable at muimun1
INlrIKl Of : 500 'h fidel ra... or 5. 000 '4 Irltial adjustllble nne
wtth. rnIlCm.rn 1<UfeSt rate
01 -J.~ ~' balance due In 30 )'II"" atTlOl'taed ov..- 30 year.!! BlIyIer shall .
l)lIy 'cQn fees/polntJ not io e~caed . ('TheM terms apoty wtlelhel' 1he ck'sign• • d ioerl
is conveontionll. F~ or VA.)
(21 0 /'HA w
VA. ;The tolIoorinlllems only llppty 10 ll'Ie F'HJ. elf VA IOen tnet is et.cKed.)
Self( Sh•• pay ~ CliIcaurll ~Olrrtll. S.lIer stl.,U pay O1t\lr leeI not a~ Ie be ~id by BIIYW.
IJ not tel e~ceed S Sellllr a Mil pay the ccatll:t " " r ",QUAId ~pail'S (iI'ldudlno
tlIose ~r woOd OK!I'O)'ItIO pMl) tlOI ou-..".,.. proYldllCl for in ttllI ~~ 0 not 10 exClHCl
5 . _ _ . 1AcWilioen ~t rney nc:r.au It MoIlQlge in&lKlACle premiurTli. funa;ng
IMa or ~ing lXl5l8 we tmlll1lll1Cl.) , •
P. ADOITlOHAL. FI,"A...cING TERMS: 0 Seller rlnanc:ng. ·(C.A..R. I"orm SF",,: 11 MCICII'ICI8ry rnllfldng .....•.•. , ,.l 161,000.00
(C ..... R. "om> J'lM o.arll;rap/'l~:'-' . .... . . . ' ._..... .... - -~ '~'
---- .. ---- "-_,,, _L • __ , , _ ..
A9C'1C N1Vte S_"'n('l Phone: 1310)<47'1838 Fall: 13101 prvpared L1amll WlNF~ aotrwaN
a'o~.r: Gil..,.." & Griffin Re~lIors 1333 Wesl:Hoo(! Blvd, • L.CIl5 Angeles CA 9002.
580 / 745
y

_J~/3f(2~~~V"J~: ~2MI~.
4e~ ~~ ~2·04 3:50P~;
'531 PAGE 8S
310 271 PAGE ~
Propeny Adclres~.lza ~ fled lOP 'Pc i¢!'J'dy It' 1 ~;; CII $1;!2J Z Date: $ept:e!lt>er ~ PQlM
c. Tenarrt~up.ed~"Y: ei) Property ~II lle vacant alleast 5 lor 0 )
o~ Prior 10 Cloae Of E.Ic:rtM', unless otherwlse.grm
j~ ",ritlOg Note to Seller. tf you art unable 10 dllli"., Propefty ~cam In accoraanc.a wIUll"Pnt c.ontrol iln<! othet' applicable lMroI. you may
be in brwch of thi5 Ag~rn"'l-
OR Iii) (if c:red<lt<!1 0 r."am 10 remalfl it'! pos".sslon. The attaChad adOendurn is Inco~ IIlb:l thl$ AQ...rnenl (C.A.R Fo,," PM.
~ '~gnollf) :U.
OR (iiil (if d>e~ecJ r,
Thl5 AgnNrroent is cor1tln~nt UDOn Suyer and Seller enlering ,"10 a wr1tlen agrHmenl reQartltlQ.OCCUOIrlCI of the'prgpeny
WI1l'1in troe lime ~peclTled In Dalllgraph HB( 1). II no wntlen :lgr~t IS reaenec ~ltWl tnrs nmc. eItTltIr cuyer or Seller l'l\8y I;IIn~ IlU ~meri
Il'IwrJttng
D. AI Ck:lse Of Escrow. Selle\' IlSSigns 10 Elu~r any OlSsignable warrBnty '"9h~ for hems lnCiudl:d in tha $lie and ~I proVldI lIny Iv»IlabIe CoP18S
ot SUC/1 W".. rr~n(le':>. Brokers canl1a1anCl will "ot del~r lhe "SSIQ1'UIb~rtY Of any walTanles.
E.. '" CbM 01 E~crow. unles. atI1l1IWcse Igr• .cs '" writIng. SQlier ,hiln proy. kay$ and/or rnellM 10 Dl»rme -'Ilodcs, ITl;IIIbOxN llecurity 1)I5lems•
..Iarms and g~ra9. door ~""rs If Pmpel'\y .. a «lnclam'nlum or klcalltd In e corrrron inlol"'Pt luDdrvi$lOn. Buyer _y be f~QUre<l to pay a
oeposit 10 me Homo>own"rs· AssoClalron rHo,,- lit> OClain ....yJo 19 ac:c:essible HO'" fx/r~ .
.6. ALLOCATION OF COSTS (It ClIKked): UnlBs. OIl'lerwisa epecdoed here. this paragrapn only <lerefmfflfi wNl is 10 pay tor the rspelL incpedion. ClKt
or wrvlOo ~ntIOr>ed If MOl specif..d here or ala_here in tnie AQreement. the OIllermination o(wI\a Itllo pay for any WOf1t ~ed Of idendlled
by arry such repon. inJopedJon. lest or service Shall be by !tie ml:tnoo ~red It1 p'ra!1F'1U1 14B(2).
A. WOOD DESTROYING PEST 'NS~ECTION:
(') 0 8lJyer 0
$@M.,r ShtM PlY for an l~ptPaion arld repon fOl' WOOIl d9Slfoying pl!S15 and Orglllllll_ ~porn wIIld! ~." be prepared
~ _ • It regoaler'ec:t atruol\Ir-/ pe5I
COntrol compllny Ttle R.epol1 IhaU cowr !he ac.eestible areN r;If !tie mei" bulldllllil and ~ I1NCWIM end, "
ch~d: [J delllct1ed 'Olar~1 and carpo!tll. Cl QeUlc:hed dec:Q, 0 the folow;ng «net 11ruCW- or ...eas
_ __ . The Repolt IhaI!
not InclU4e root cawent\g$ If Property IS • COI'Oorninilnl 01' Io<:aled in a commOrt inMtnt aubdMeion. tile ~ wi Indudll only the
Mper_ irr1ere&r ond any llxCluS.-.oM areas being lfa"*lTed llnd shall nol Include common .r~., unless otneIWIM agreed. VNler tests or
lh(lWer pane 0" LIpper ....,.ll.Inlb may not be perlormetl will101lt (;tmRnI cf the Q'Iolo1Nll'5 ~nv DeIOw the ~ or
OR (2) 13 (" C:1leC~ The attached lIddltndllfT' (CA~. Form WPA) regarding 'oOIOOd d*sI~yinc ~ ;IIS/)I~on IIlCI alloC:atlO" of rt:* II incor~onlllld
inlD "'. f<greltment .
iI. OnfEIIl INSPECTIONS "'NO REPORTS: .
(1 j 0 Buyer Ci seller .hall ~ to hlva .eptic 01 J)t~ _egotIl Ql$p05al s)'SIOrn$ insIleetad _
12) D 8u)'tlr [] Seller eh.llpay 19 hl\llll domestic _Is tastld for _Ilr potIIblI~y .nd prllduaMly _ _~-----------
(3) U Elu~r f.!1 Sell~r s/ull pay fo·, a Nlb/ral hazarel ZOM oi~u" repcn vrepllrDd by ... :LI·.lAl,J ....L..Jc~b[lJolZ....
.....ct.Jr • .lCC«L --::=-:,-
(4) 0 eu~r 0 Sellir slIaD p.,.
rot th. ~ ~ irUopeetlOn 0' repc;lrt .
lSI 0 Buyer 0 seller 'MII ply for tile fal~ inspec:non or r~rt
..
:--.,.-
._
-'-_-:-_
C. c;OVERNIlIleNi "roUIREMENTS "AND l'IIrTROFtT:
('1 0 Buyer ~ 1Seller .1'11111 pay 10r -m.o~ ~lKtDr Il\Il.llletion arvjJor wwar haatllr ~ If feCltnrlld ~ L.aw. PrIor to 0 - Of..e.cm,; SeUer
shall proovoae 5W'" a wnn.n am• ...,.nt of ~l.n,,", in eo::oro-nca wiUI _ and lccaI UMor. IA'llfJM M""'IIl. . . ...
(2) C! eu~r ~ S.lIer KhlIII pay tIle·.Q;lM of cOlTlPiange witIl arry ott- min,"","" INllCIatory gDvernmenl retroftt IItlInc1ardi. lnSD~nI ano
repot1S • l'ecnJlrad as & conditio"« dC£InO ~ lDloar any L.-. .
D. E$CI'OW AND nTLE: , :•• : .. ,~ •.
(1) [XI BU)"Itf [XI Seller llllllll l)8y escroW fee 1/2 bRYN" 40d :LIZ y,l,l.... . ,
Escrow H~r snail ~ ~Cld:...J;r~;J:u~«UE'-1:rLl:qmr:DZI[._"::'_ _-::---:-.,..... :-:_=_~_:____::__:__:_-------:_=_--::_::_:_
(2) 0 B~r l!I Sel~r shaW ~ tor ~r'. litle insur;nce pollcy spedMd in par.9reph~2 DiM e.d r1 tJ., C2'P1py/toZlT Cd'M;!!m
Owner's \ulc: policy Ie be iu.uad~ -.-_---: _
(~r .I\8U ".y for ."" tflle ~",...nce policy inauring Iiluye"~ Ilt~r, unl... lrttlltrw" ~ed In _ltl"Q.)
E.. O'n1~ft COSTS: _,
(i) (j Bu~r ~ SeH..- trwl illY County tr1Il'4fwr llIM or transfer fee , _
(2) 0 Buyar ~ Sene. aha. plly CIt)' uanefar QI OI'tnIns1ar fK . . _
(3) 0 Buyer 0 Seller 'hd pay HOA tranmr fNa _ _~-----------------------
lot)
(I)
0
C
B~r r- -Sel"- .hall pal' HOo' ~"'~ ~ feel -----------------::-----7"""----.---.
BuV-r Oil Srlk-r 'hell illY the t:nst IlOIlO ueeed S 3511 DO • of I ""'~Ir 110m. warnHlf,y plan,
lMued by nrat ~.:r.lS'a. RpM J!trD\ntyll?qn Grft'tl
.... follow'"9 optional ccverege.
wtt~ _
(IS) 0 Buyer 0 Seller Go/Iall pay for _
m 0 6-.ryer s....... shell PIIY fgr -.,..-::---------~_,_-- _:_____:~-_:_:::c_:_~-=_:=:::_-----

0
5. STATUTORY DISCLOSUR.ES lJNe~UOING L£AD-8A&ED P",NT HA2AftO DISCLOSURES) AND CANCEU...AnOH 1tJOHT8:
A. (1) S-Mer shall, wittl;" !t\a time aproeir..d In Plrag..-pt. 1~ del;"", to Buy.r, if reClulTed try u .... (lJ F@derw! l.lt~ Paint Ciec:locu,.. lIAd
pemp_ r~.d Di5cIOt~.!I·); '1'lCl1I1) dl5cJosurn or ntlVCllS reQlrired by sedionll , '02 et Nq. lind' 103 lit. aeq, oflt!e CaI/lomia CMI Coda
rSlitulory D:~l· StatutOl"( D&clolv/ft Indvde. but are not Ilmil~ 10, • ~If ~ "ra~ Disc:loS\Q 5\1..,.,... i'TDS1, "'Dn1
I-t&Urd OisOO!>ure Stalemern ('~i, notiCi or .cIuill knD~ of ~~ua ot ~al controlled WbsIanc:c. nolkz cf llpcolel IIIlI lIn<IIOr
8S~lItnlnl6 (or' allcwecl. ""b.tarI~Uy equiYlllPnl notice regafljin~ tr\e Mel\o-Roos COMlfTlllrti~ FlIcilliea AJ:J. .nd ~ n t SOlId AJ:1 of
19'5) .nd. If Seller hIlS llC1lJal knoweoge. an ~ \ un and mh:lry ortln,nOlllOcation di5d05LQ (C.A.R FOfTTI SSD).
(2) Buyer llhaU. w~nll tn. ti.... spec-1'Iltd In ~"'9"pIt ''''Be,), I1llUfn Sjpne<l Copies of tne 6taMory and Lead DisClosure11ll seller
(~) In !I'lli .... enl Seller. prior Ie CI.... Of E.."ow, t>.cc~, _lOt 01 ..,,,_ oonditiollll """....II)' ....c:J\ng the PooPltfty. or any marill
•..-,...... w_,,,,,,,

,neCXlUraty ,n c:ltsClosure~ .•nFormation or rep<nentlliinru prevllXNY pl'O\/io.-d ID B~ r1f "",hien auy.r .. DlMrwIN .....ware, 5eleT ahaU
M _ _, . . .~_" " _ . " " " ' " _ .......... _ ~. _ . . . . . .
croaclo5Un stwll nal be req",lred fo# c:ondfti_ .nd ~naI inaccuraclel dlllCloead If! l"8Potts 0""", paid fOr b1 Buyw.
Buyer'S In~ ( C ) l5)
=
CoO'f"QlIIlt '1iIil·70~2 CAllrO~NIA ASSOCIATION OF ~!ALTOf\_, INC
RPA.c:" REVISED 10102 (FACiE 2 OF 81 I'l-...ed IIy
8cIlttr's In II1at5 (
oe..
)( )
I ==
CALIF'ORNlA RESiOEPIT'lAL PURCHASE AGREEMENT (R,..A-CA "A~ 2 Of' II. TomUo.zn;
581 / 745
PAGE 07
531 MAR ~~ PAGE e6
;:'102714634; A . S E P ' . ., .. 3:51PlrIj 22·04 3 :52PIJ; PAGe 5115
PAGE 4/15
_ _ _ _- Oale:~t~r C 200:4.
e::ly l1iJ;, CJI 9C2I.2 Date: kRtemht:t' zQOJ
rd if' wrilif1Cji. RePairs lD tlQ pef1lI rme<I at S elie....
In 5AC'i. or subs.eQUent or art'lE'noed dlOClOsure or nouoe IS Cle1ov_red 10 Buywr.fMt" ~ otle<" Is SIgned.
Ie UW. ,nclurltnO gavafTYTlent.l petnli\. if,~on
('lIS Ag~~m~l \oOilh,n 3 0..,,& Aile< ()elrvery in penon. Of 5 Days After tle1We/y by oeposl 1'1 1M mal. by
qu.lty 'nd .ppearat"CID ~3ra~ lD ~Itng
: S"I>e1 or Seller~ ag ..nl. (Lead DisC!o,"ru sent tly mail must ~ '""'II certitieo maU or ~r.)
Iattf$ ~ nal be possible. Seier st\al\; !II obtain
f Stat\JlCry .nd LeDc DiEcl05U,," is prohiblICCl by Law.
rmed by Seller and the cs.tIl ot sudl Repa": rod
.zARD5: WlttIin t~l! t ..... sp<!cif>ed ''I paragraph 14. s.a.r $/\all If required by U1w: (II d.l-r 10 9...,..
10 enV1;Onm{lm.! h.22sn;j! booklet: (Ii) ~n , ~ ... rnpt !rOm me ollHgalion to PtOV1Oe • "'HD. dlSCiOll" If lhe
(i) I<eep !he F'roprny !Tee ,llll dear C1l leFl$: iii)
ilZD<O ~ru· P~t~"hal Fk\(l~in!l (',,,,0<1"1_) Nez: It"ry ~:~n t'tre ":.:..oro Zone; :'toll(; ,;re A_por~lIl}·
n aM rtlWlUng l'ability, t:lam. demanCls.. damllgBS
-lizard ZOOG: and (iiH o~a~ any atrlllr :tone a5 J~UI~ by Urw lind provide any OIMer onfonnnahon
~ ot IIBbir!ty. worl<llrs' c.ornp8nUlIOn "r"(l OlMr
lilly oa:urriog (lur~ any Buyer InvllSl!g.\lOII$ or
~hP. CafifomlOl Depanmenl 01 JU&lica. fihe';". oe~rttneru. ~q de~r1mcnts serving Jurisdidio/lS at
proWQIOOS ~y be .ffcrtled S.1Iw by nooord·rtg ..
w enforcement autncriies maintoln for publlc aOOl!U i!l Oiltll base of tI'Ia toc;;otlOns of pe~1'\S leqJUred lP
Pro petty lit Buyer's olf.aion. Buyer's OllIl9'U~
division (I) of Seaion :190.• of tho Penel Code. The om b.~ ;5 ~lIted CIl'IOj Quar1l!rIy ~ ~ "
, 0' ~f>ll IIldivloua" in any n0'l1hborllood. TI'Ie Oe?"l'lmenl 01 Justice also ~inlalns • Sax ~Cl¥
aport. wI1 d'l is only In al'let by tItc ~e """ rer \0

aboul rndlvlou•• may b~ IT\IIde. ihls i$ a "SOC" lelEphone .1'!lVi<». Gal1ars muSI nave _CifIC: illtbrmebo"
'alion regarding l'\Ilighbomood, .. nol av~llab'" tIltou9h the -900' relep"o~ S4NlO8.
ne pl'llllmin.1Y reoort and ."y Ol/1er maU.... ..modi

~EN7 DISCLOSURES:
)'IS, ,"merion•. r1t;lI"ol. allCl other maul'S. whet1ler

) Day. After At:oo!ptanoe 10 dooa,e to BUyer whe1t\e, the Prop8fty i$ a CDndominlam. l)lls locaIed Yl a IMumu'Q ttK:ee Ob~Dn& or taking l~ ~rty
"' ,nlllt",t ,ubdivlslOn (CA.R. Form S5O).
~ in • planned unil rle .... loprnenl or Olllel common in~rest a..t>diveiclO. Seier lin 3 (ex- 0 ) "" to Se let :rfk>ctr.g ttic. whetne r of re<>o<d or ~ ct.
, HO"" (C.A.R Form HOAr (1) ~Poel ot any OOC;urnentB requlr1ld by Law; lil) disC;gsur. of ~)' p.ndinll 1M: or Iong-WIrm leMf. I" II5309I'IIYWftt ot ,took
IrlSt tile HOA; (lilj a r.l.lItemen\ c.ont.iniflg ltle loulion and l'Iuml>er cr! designated pOIlking aM aIOIlgt -.eo by Selier, Title !n.lI veu :sa designaled In
-nonlhs of MOA rTlII"IUIeS for regul\lr anc ~l meeIJngs: lind Iv) the "'"'*5.tIC1 c;omact lnIO~lion of NIFtCNn' -.EGAL AND TAX CONSeQUENCES
'Iy. 'Ct 01sclMU"sl s..ller aheM itemize .nd dem..r to BU)'IIr .11 CI Oiadosure. received 1rDm the He-.
uyen ,.quest. c:e n pI'lNlde informlltlon about tile
01'1. BLtyCrs ~Orov81 of CI Olsclosures .. 1/ ~nCl' Qf trlis AII~ as spec;ified In pa~n '4.
nU. If Buyrtr oesires t1tIt 00ViIra;a DlMf til.... llVl
,. IOlcl (.) in Its pR€ S ENT phy51ca1 cCf'ldl1lon _ of the daw ef A~ and ibl ~ tA
oem.
poortl. if'dlld'"ll pool, Spa. lAnd$caPlrQ .nd prOUndl, i& 10 be mall'ltal'*CI in $Ubostantilol/)' the _
(iiil a¥ d.br~ and per$l)nel PIOP6r1)' nol ir1dudeCl in l~. ~ ahel be remo...c by Cloee Of Eaaow. uta 0' ~~"'>' 0_1f by. Buyer Ia IncotPonrted
fi~d in p"'retlBF>h '4A, OISCl..06~ KNOWN MA TEJlUAI. FACT! "''''0 DEFECTS aHecIinsJ thP
ims wIlhin t~ p;a" fl~ r....., ANO /\lAKe: OTHERDISCLOSURE$ R£CUIRUi 8Y LAW'~ tlmo ~~ may ~y M ._oed, .......0.
lallon under !his ~ ~.. Must to- In ""rlting

leO to condUet l....eati...,lIona of the enb.. P'rop~ In order Ie o.t.rml. . Its ~.... condltlon
:ts aHeeting ~ Propeny or ott>cr tact.or. ttI8l ~ou con5idw 1"'f)Ortant. Pn:>pe~ impn:l--.ts 1l.. dlldOSUfWS lind intormiitlon tor wIllch Seller ..
npfia_ wllh e41rTent Law. Ol' ~ h.d penn. IaaIMCl. -'.', .
i"$~ OM ~ aMI. M &pe~ In iraJ;lh ,~. t>Mecl upon Information dis~ In
,ITt; or III) roqUKI that 1GU rnx. R.,.IN ar~. ol'- .. etion. ~ 'n Mltinll. 10:
ntclTNtiOn. ~1dI Buyer receli.a frgIt'\ S~ ,11<1
.. , 1 ha,prcl' liS well. o\tlef infomwtlon .peclfleC In
:-d as nChl<led or e,clllOed in me MLS . •,. Of marlletif'lQ rn.u:ri.1lI$ are not Inc:tue*l in thl pul\;llHe
~ in8B ore. :cortlIl/I1lI with pa~ 6A.
IIll'* ectJon regardlng"" ~ (C..... R. Form
Ilt.ctled to tile Property;
pl\lmbinO Inc! heailflg lbtlUrM. ceiling f.n&. tl/epla~ 11IH1't$. lIM IaI7" end pml!!<. lOll! .~.
I CQnti~ncy). Buyer Ih~L Ir1 wring. ramovi ll'lC
"eens. llW'flinO'. shul1el3, windOW CQ"'''Mga, all8Ched IIoor co-nngs. tIolhision IlraenJ\lS. urmlte
'9 inspeetiOna. rtlPOlUI Of dillclolures .re not rt.oe
:ems. air eoOie~CQ<Idl1lone/'&, pOOVapl CQu'prMI'L garage (l00l' Olle"'~ controlI, mellboa.
r 1r>eeip1 of .ny .uet\ 1\efN. IIf tne IlI"I'>I apecilioO in
", ..,f\enens. waler parifiel1l, SKuMlY syn.tn&I• .,.,.: end
in Wffting: II) govemment-mandn=cl ntpeCIlons or
ll"ICI~h lie.
the PlJ":hllM pnce, unleU otne<wiM specif.-d••~ 0Wfted by S!llIar.
) CANCEL:
Buy., to perlcrTn (1$ apect!led DeIlM). may c:encel
of ~em. and WIthOUt s.lle' warr.nty.
Ithis "",..ment. BU)'llr doe. nCil ~ ill ...Illng

ramov.a. 1e~ure af eltner Buyer 0( setltr lD clQIe
MAo T'rERS AFFECTING PROPSlTY:
Buyer retains the I'lQM to rnau ,.q to Sellcr.

an" Ol~r "",~I effeciil\9 the Property. iI a continoaney of t!'I~ AgAlement as lpec:"'-d In th.
, PUr$uant lD '.C(1). Once S.11er _ i BII)'Cr'5
e specifoed In paragraph 146(1), ~V)'llr sTlllI1l1a.-e the right. at !l!JYt(S ex~nse lII'Iless OIll~1
1).
tests, s"""'Y& and other studies rallY'lr InveSllgalionsi. tnelUdlng. but nollJmihld til. tt. ~~ til: 1I1
~iee 10 Buyar to P.r1(ltl'1'l (_ .p4lc:i~ belDW). mlY
~ paint hO:,",'OI: (Il) in'Peel br wood dl!Sll'OYlng J)esU lind org.nlSlTll; (iiI) rev_ 1M Nglal.ertd
OWing ".6O''W III If Buyel htlk to d~ flmd5 at

Ollity of BlJ)4J Inc! h Ptoper'1)': lind (v} a8USlY Buyer as ltl .,y maht' spelllf..a In lila ~
I tlepo!led: (iii) , Buyer tllib to ""ovIde I llIlI.r ..

Wlthoul SelLw's prior _en con&em. ~r .~all ne"'.r ~ nOf ",,".10 be ,.,.d.: til ~_ ... . r"a!U)n3bly disapprt>YeS at the .-.rtflQllion ~rtNiOcd
,
ClIOl'G by .ny 90~rnmen~1 building or ~inO inSPedDT Of 11=>",.mrnrnt emplayee. un!eU requited
aorap~ 6Al2t. or (vi!) If SUyef falle 19 e+gn or lottiel.
u tPBCi~ in peragrap/l '.6. rwmovw lh. contingency or canoel thia Agr. ."*,,- B~, aha" gl\oe s.ller i5 not: required to 9h.. Buyer. Notiu to
,r 1"~IOatiOn repol'ls o018'''ed try BU)/OI Sal~r ahll make 1M F>rgpcrty 1IV11leble for 1111 IllY«
::tncty .nO aM Dperab~ pllOlltght! on tor Buyer. In~lflllabo", a"" lhrOll~" me oete pcca_ion is
(./)~
) be i<1 wr!t~; III) be
,~,".~
explllltion
..... ........
eigroed by Seier. andllll) give
~
li<;abW lin.- tor l5uyar 10 ..move
~~
ellyer'S lnili;!!a ) MialS{ .)( ) ~
-OR5*. INC.
s...ra
! Rev-.t
Inrt.l, (
by' Os"
--- , (5) t_ _ nitJel$ (
..,
) (
o.ut
)
I
l.EJ
~N=
J ..,..-;.-r, ~ P,AG£ 4 OF 8) r62!921D./.~.I(
::f\lTlAL PURCHASE AGREEMEIf1IAP~-eA PAGE:l OF e) TE..lR02JO.7.rx
1
582 / 745
Court File: "Volume IV Continued" ~
1B/22/2Be4 15: 42 • '531 MARA ~' PAGE
"'c,..· C I: vULUf'fCLI. tlAN.
310 471 4834; • t _c!, 04 :3: 5;:lPM; PAGE f
PropertyAdc,..,s . .:!2C:; PeCk ;r1"'p ~ H:1,t'i2 ....z t' nOl!;' Qgt.e:SI.l'cCPaher f 2004
D. EFFECT OF BUY~I'l'~ REMOVAL OF CONTINGENCIES: " euyer ~ ... wtlllrlg, any GO'.tflge1\CY or c.BnO!'''t>on tigNs. lI11lesl1 otllc:ro
specrf1e<! 1'1 .II M'P3r3te _ n "9'.,.ment boet-ttn Buyer .no sel.... 6~r II't.U col\CMJ~ be o.._d 10 have: til COlTlI)leIed all 8u
l,weslqahOn" and re.... _ of repor\S and Olne' applICable InlorTTlflllOn .nd diSCIQlSu,,", pal'lalr\lno 10 t1'IlIt conh~nC)l or c:a".,.IlIIUon right: ell)-c:
to Pr0c4*l W1t~ 1M tl':l1'll.ClIOr'I.ana 1111) USumtotlail Ilfbilty. rlllSpon~bi~y lrode.~te b RePin or CDl'reCtlOnl peMIlnir1llCl lNII c:ot'ltingencv
canOl!'llalicn right. CO' for inaoiiCy 11) oblll.n mIncing.
E. EFFeCT 01' C,o.NCELlIlTION ON DEPOSrrS: If Buyer or Se~ aNn wnllBn nollQ!l d ClInc;alllltion p~n1 to ngnls au." ex~ \M1der tl
1<;'rT1$ of this Ap,"men\. Bvyet ql'(j Se~@r a:= 10 89" ""two I in,rr-.JalOns 10 """eel the :s.ale .rId ,,"row ano te~a,.., o ~ Id.s lees Ir
<:osts. Ie llu! parly "mit1ed 10 the fur>d~ Fee:!> alid C06I:! rrTlliy be payeble 10 ~nrice pmVICI" anD vand0<3 for serv""" end prooucts p,,,,,,,,,&c a..n.-.
escrow. Rele~se of lunas w;III"1l<lUw. mutual Signed ~ ..... IntllrUCVon& "om Buy.r and SQller, judiciel oec15ion or art>itntJon _I'd.. •
party may oe SUtljec;t Ic'a civ~ penelty of up to $1.000 tor r"",,,,,IIC sign ,uel> in5tntetioltS If no 0000 t:lilh Oispu18 " 1 _ . . 10 _no Is
entitled 10 tht de"osited fundc (CMI ~ca §'067.3).
15. FINAL VERIFlC",TIOfj OF CONDrI'lON: Buyer ~n.1 have the ~t 10 rNi<4 ; flnallnspeClion of \he Prgp"nv \M\t\., 5 lor J Oily. Prior
lQ Cion Of E.cro.... NOT AS A CONTING~NCY OF THE SAlE. but s.elely to comnn: (I) ltl8 p,0Perty II "'-ntAI neoc pUr'$uarw Ie p;Tr.agrap!l 7~ (II)
Repll'I'l; neve been ~~Ied .5 aOree<l: and (IIIJ ~I'" h.n COmPllecl wM Seller', oilier obII9lllionllOi.... th~ klreemenl
16. LIQUIDATED DAMAGES; If Buyer falls to complete this pUf<:hue because ~f Buyer's default, Seller .hall retain,
as liquidated damages, the deposit actually paid. If the Property ~ • dwelling rin no more than tour unita, ooe
of which Buyer lntenas to occupy, then the amount retained shall be no more then 3% of the purchase price.
Any excess shall be returned to Buyer. Release of funds wUt require mutual, Signed release imrtrUetionc from
• bott\ Buyer and Seller, judicial dKiSiion or arbitration iIIW8 • BUYER AND SELL~ SHALL SIGN A SEPARATE
LlQU/DATED DAMAGES PROVISION FOR ANY 'NCR DEPOSIT. (C.A.R. FORNI RID)
8uvI"~ InII... I s.".... 'nitialS
17. 018PllT£ AUOlU'nON:
A. MEDIA'nON:!lu)'er anll sell.., .0....,.
tc med_ II,." diellu1e tw doi'" arISIng belWlI8n I/Iem 0Ul oIlt1ia Aclree<ne<1I. or _ "'lUlling ~ n .
bflfOtt rHomng III /ll'llill'llbon 01 ~urt IICUon. P....grapns 118(2)."" C~) belOw apply whefheror not ltle Artxtr"bon pro.wicm. inlDallod. YedW!lo/l
feft. If any "han be divldeO 'flQ~aMy amol'l\l ~ partie, invotYed. If. for IllY llispule 0' cIIim to when !his Il¥ag rap!> a1lP!ie,. any part)' COft'!'Wn_
an action wllhQlll n",' .1le~"'Iil to ""0Ive the mallei lI\roupt> mediation, or refuGes to mfodl:lle atler Q request hn t.e.n _ . Itler\ that PlU1l'
'Mil nol be entilled to reCOll8r atTDmI'y . . . . _ n if ~ lWOUlO lllllenoriSe be lMIileble to that ~I'ty ;n .ny 'lldl adlcn THIS MEDIATION
P"'OVlSION Ai"f'UES ~ETHER OR NOT THE: ARBrmATlON PROVISION IS INITlA1.eD.
2. ARBITRATION OF DISPUTES: 11} 5uyer and Sefler agree that any dispute or cLaim In \.aw or equity ari.ing
br-lWgen them out of this Agreement or any resulting transaction, which I. not settled through mediation, :i
shall be decided by neutral, bInding an,itratlOn, Including ane! subject to paragraphs 17B(2) and (3) below. :,
The ,mllrator I$heU be a retired judge or justice, or an attorney with at I~eet S ye~rs residential ...., ....til
Law experience, unleSs the parties mutually agree to 8 different arbitrator. Who ,hall render alii award In
0'
aCt:ord!nce with substantive California Uw. The partles shall have the right to discovery in 8ceordanGe with
California Code of Civll Prcx:edure §1283.06. In all other nllspec;ts. the arbitration shall be conduet.c:l in _.
accordance With Title '9 of Part III of the california Code ot Civil Procedure. Judgment upon ~ award of'the
arbltrator(s) may be entered Into any court having Jurisdiction. Intel'pl9tilltjoq of this agreement to arbitrate
(2) EXCLUSIONS FROM M£OIAlION ... NO ARBlTRATION: Thll following - . . ..I .1lclu4Md from ...-ialion ano ltIttiU'alion: (I). Judlcllll .
or AO"'iUCliCIII !DreG la,,,,,,,,
or Clltlet' ,etio<l or ~Ing ttl mtorcae iI dMC Of tr. .t. mortgapa 01' ImmoWl"IttInt lend UIe COIll1aet _ defIt.e
} in C11I!for". Civil Code sn85; III) lin unlaWful delaiMr adion: (III) tM filing or -..force"'ont oIa ln8Chenlc'e n"n; and IIv,.11)' _ t r i a
~ wlthIn'llle Jurisdiction of. pt'Oballt. ~l1IItn claims 01 ~ruptcy COU'I1. The tl6nll "f I CCIl11..etior> to Inal>ll rhot ""O"lh~ af a notiw ..
pendtng actleft, tor ordoIr of .ttaehmenl. ....certeY'&hlp, InJUI'lC1lon. or otMltf' proVisional I't'mM.... ahalJ 1'101 CO~ • _ _ 01 the
rnedia(lon ~d .rbltratiort provision&.
(J) BROK!RS: a~.nd Seller 1IlJ'" Ic mediaw Ind ertlltTatl dl"PWln or c:~ Invc>lvlng elltwr or bOt" BIOQ.... ~ wIItI t1 A
and •• p,ovidltd ellher or both 8roluw'5 .....11 ....,.. agn.d II) aueh m ~ or .rbllraliofl prior to, or WIthIn. _enable tinMI . r . trtII
dleputtt or wI.... pre~ 10 a.OUts. Af1lI elecllon bJ elt".' or borII Brokers to partlcipe.. In melH~hon or .r1lltlatioo1eh" IIQt mull
in. 8ro"'~ t>.inll lleemfll PIIrt_ 10 ttw~-m
uNOTICE: BY INIl1ALING IN THE SPACE BELOW YOU ARE AGREEING TO HAVE ANY DISPUTE
ARISING OUT OF THE MATTERS INCLUDED IN THE 'ARBI1'RAT)ON OF DISPUTeS' PROVISION D~C1Dr.D BY
NEUTRAL ARBITRATION AS PROVIDED BY CALIFORNIA LAW AND YOU ARE GNING UP ANY RIGHTS YOU
MIGHT possess TO HAVE THE DISPUTE l.ITIGATED IN A COURT OR JURY TRIAL. BY INITIALING IN lliE
SPACE BELOW YOU ARE GIVING UP YOUR JUDICIAL RIGHTS TO DISCOVERY AND APPEAL, UNLESS
THOSE RIGHTS ARE SPECIFICALLY INCLUOED IN THE 'ARBITRATION OF OISPU"TES' PROVISION. IF YOU
REFUSE TO SUBMIT TO ARBITRATION AFTER AGREEING TO THIS PROVISION, YOU MAY Bt! COMPt!LLED'
TO ARBITRATE UNDER THE AUTHOFtIlY OF THE CAUFORNIA CODe Of CIVil PROCEDURI!!. YOUR
AGREEMENT TO THIS ARBrrRA TJON PROVISION IS VOLUNTARY."
"WE HAVE READ AND UNDERSTAND THE FOREGOING AND AGREE TO SUBMIT DISPUTES ARISING
OliT OF THE MAT1'£RS INCLUDED IN THE 'ARBITRATION OF DISPUTES' PROVISION TO NEUTRAL
AR81TRA TION." Buy."a I~ I r S.1~r'$ 1nrt.lal4 1
~ .... .,
___ I
-
~r'S InitialS ( 'k ~/ I
CoPr"9"''' "1"l·10n. CAL.,.o.-NIA A:;lIOClAno"'OF RtAlTOII~. ,,",C.
seller's Inllla IS I -
I :> )
(i)
RPA.e... REVISED 10102 (PAGE S Of 1\ R..._ ~ : 0 ...
~ """M'''
T6::!t'I23O.LF);
CAUI'ORNlA RESIC£HT~PljI'W;HASE "'G~MENT (IlP"~ p ...Ge , OfF . ,
583 / 745
113/22/2ElB4
0<:"1 1)1:
15:42
l;U~lft·Jt.LL
.EJI:J31
tlANKER; 310 271 4e34 j
MARA ESe SEP-22-04 3:54Pij;
PAGE
PAGE 7ns
89
?ropen~ AOClre'5:.l';Q s. h'c\: pr.. ye Beyerly Hll':s ::a ;0212. Dale: ScRteR>«r , 1!?lAI
18. PRORATIONS OF PROPERTY TAXES AND OTHER ITEMS: Unless Olher'Wl$e agreed In writing, tne follo¥mg ilems Eohall be PAID
CURRENT and prorllled between Suyer and Sener as of Close Of Escrow: real property \aJce$ OIfld 3S$essments, Inttre5t. ~nts,
HOA regular &peoal. and eme'gency dues Bnd as&e!smenlS imposed pnor to Close Of Escrow. premiums on Insurance 8~umed
t>y BuYer. ~"y"l1en!! on bonds ;md ."sessmenIS assumed bv BlI)'er. and pavm&nlS on Mello-Roos and other Speoal Assessment
DlsU1et bonOS ana a5sell5menlS tl'1al Bre now a hen. The fol\CMllng'items &h.1J be auumea oy buyer Yv1iHOUT CREOn loWard IIle
ptlchase pnr.e: prorated paymel"lt6 on Mello-ROO$ and O'l~r S~I A~&e.. sment DislJic:( bon& and Il"e~vnen~ and HOA ~ec:i.al
BS5e~menl5 Ihllt Clrc now e lien but not ygl due. Properly will be r&o;lllust.ed upon ch.oge of owner5hip. Any Ilupplemental tax biU,
shell be P31d as foftows: (i) for penoell; Clner Clost!! Of Escrow. by Buyer. end (it) for pe~ pnor 10 Close Of C5CnlW, by Seier. TAX
BILLS ISSUED AFTER CLOSE OF ESCROW SHALL BE HANDLED DIRECn Y BETWEEN BUYER AND SELLER Pror.rtions sheill
be ffiide based on <iI 3D-day month
19. WITHHOLDING TAXES: Saller ,mel Buyer agree to elCt!!Cllte any inswment. etfll:levil. &tatemel\l Of instruction reBsonlibly MC'S~ry
to c.Dmply .... iltl federal (FIRPTA) lind C.hfomia witl'lholdlf\9 LaW, if requJred (CAR. FOnTls.AS and A8).
20. MULTIP\..E LISTING 5ER'V\CE ("HILS"): Brol<.e~ are Iulhorized \0 report Ie lhe M~ a pendIng U1e and. upon Close Of E~. the
lerm. of thl~ transllCllon 10 be publlsheCl and dissernM1ed to persons and entitles Ilutnorizfld tD use lhe informatIOn on termll
approved by the MLS.
21. ECUAL HOUSING OPF>ORTUNITY: The Property is sold in compli.mce with fedBl'iI1. st31e and Ioc:al anti-discnrnnBtion ~.
22. AnORNEY FEES: In any OIetion. proceedinll. or OIrbitration belwMn Buyer and Seller arising oU1 of this AgreelTlf':nt, ttl, preVoliling
Buyer Of SetQr .hall be entitled 10 re.ason8tl1e attomey fees OInd oosts from the nOl'\-preYei6ng Buyer or Se~er. ~ liS provide<7 In
paragraph 17A.
2~, SELECTION OF SERVICE PROVIDERS: If Brokef'i refer Buyer tll Seller to ~". vendorr.. or "Nice or product llI'oviOen
("Providerll'). Brokers do not guarantee tile performance of lJf't'I Providers. Buyer and seller m->, select ANY ProviGerl of thelr own
cnooling.
24. nME OF £SSENCf; ENTIRE CONTRACT; CHANGES: TIme Is of the essence, All undG~tIlndingl be1WeD"l the partin ere
Incorpor;rteCf In Ihis Agreement. Its termll lJre intended by the pa'tieos iii II final. complete and t!!:llduatYe ~sIOn of their
Agreemem with res~ct 10 Its subjec1tnalt;-r, and may not be contradicted by .vi~ of any prior agreement or oontem~out
Ol'ill "greemel'lt If any proVl~ion of ItllS Agreement is held to be IM-tfel;ttve or Invalid. Ihe r~inlllg provisiON will newr1helesa be
;iven lull lorce and effect Neii\')@.r thQJ Agreem_nt nor any provision in it may be 8xler,ded, amend.d, modlfie<!, altMed 01'
changM1. p)lcepl in writing Signed by Buyer and Sder. .",
25. OTHER TERMS AND CONDITIONS, including -t1a<lhed ~pplements: "7'~'
A.. ~t'rs Inr.peclion Advi50ry (CAR Form BIN . ,.
B. 0 Purcnase AgreerTlfllt Addendum (CAR Form PM parag!i1p/'l numbllf't: I
C. Seller to roAr; ~ dosina ~ta i p AD Il!lQUZl.t n9t tp scNd 21 fhoo'¢ pfU"e«J;l(;J o~· the ,t'1"na.l
purch.ve puce Sell cr ", 4WU.. that kuaX" hp~dE • CAUtoJ:1!oia Re.. l E,e, te LJ:0tm4
26. DEFINITIONS: As uudln~ Agreement ., -":.,

A.. "AecepUlflC(i!" means the lime \he offer or f~ COunter cf'Ier ia e<lCeP1et11n writing by II party end. deliverwd to end persOMlly'
receIVpd by the other party or thai party"s euthorized agent In lICCordllnct with \he ter~ af lr\Ia of'Ier or • .,.. a>umer offer.
B. -AlP'Pem~nr means1t!. terms and c:oflditlona oIlhia accepted C.Momill Reaidential Purcha.. AQreem.n1·."d eny a<:lCl!lIlIed
c:en.ner offers llnd .d~nda. ~.
C. -C.A.R. Fonn- meIIns the specific form referenced or llnolher comparable form 19r98d 10 by the parties.
D. ·Close Of Eacrow" means the date the gl1lN de9d, or O1h9r e"ide~ of tral1lSier 01 tme, I' recorded. If 1tle ec.heauled dose of
ncrO"¥ tails on I s.tvrdey. SundilY or legal holiday, then ctose of esa'CM' shall be the n9lC1 businen diry eTlef the 5etleduled
c10ae 'of escrow dale.
E. "Copy' mfaanll copy by any means inc:Juding photocopy, NCR. facsimile end e1ectrollic..
F. '"Day," rTlfians calender days. unless otherwise required by L~.
G. "Days After" m.an. tht: spectf1eo number or c:aletlder dlya aner the occurrence of the event 'PeCifMKI. not counting 1110 calenOar
d81e on which the apecrlieo evenl occurs. ilnd ending lit 11:59PM on the final dlY.
H. "Days PT1or" meal'll the spetifJed number 0{ calendar ~ before tne occurrence of the 1I'lIOnt spedfle<1, nat counting lhII
CCllenOar dille on whIctl IOtl spectfted event i1Ilcheduled 10 occur.
I. ''ElectTonil; COpyN or "Ele(;tronic Slgnaturt/- means. lIS applicable. 8M electronic ropy Of signature complying witt! C,rJfornia
Law. BlJYer lind Seller &gret thet electronic mean. wi.no! be u5ed by either perty 10 modify or alter the content Of inI-Urity of 1tIilI
A9reeme~ without the I<"owledg. and oonMnr of the ethar.
J. "Law" means any IQW. code, sl8lute. ordinance, rwgulatJon. rule or order, which Is adOPted by. conttolllng city, county. staae Of
federallegisletlve. judicl:al or executIVe body or ag.ncy.
K. "Nolice t.c Buyer to Perform" means. _ document.(CAR. Form NBP). which 5hall be in writing and Signed by Beller and she.
give Bvyer at IQ8st 24 hours (or aI otherwi•• specin.cf ;n paragraph 14C(4)) to retTlO\If: ~ contingency or perform IS
:apphca~
L.. "Repairs- means Iny rtlpaiTa (inclUding pest contron. alterations. replBcements. modifications or r1Itrofi't1ing of the P~rty
prOvic:led for unoer thiS AQn:ement
M. "Signad" means QIther 8 handwritten 01' electronic Slgrwtfute on an origin. I doe:ument. Copy or any coumerpart
N. Singular 0l1'llS Plural t.rms Bach inClude \he other, when awopnate.
Buyer'. InItiO; ( ~(~:(

_
G)
C~"rr.pn: C '~9,.2OCL CALI~OHNIA ,o,sSOClt.TION Of ileALTORS4P. INC.
RPA.cA REVISEt) 10102 (PAGE ~ OF 81
I
l
SelMa Irllti." (
R _ or
C,ALlFORNI,ll ru;SI:lENTlAL PURCHASE AGREeMENT (RPA~ PAGE 6 O~ 8)

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T62892JR.7.f')(
584 / 745
~

113/22/20I3Cl
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15:42
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. •1::1/;:)31
UMI'r'\Cn,
MARA
310 27, 4834 j E~EP'22'D4 3:55PM;
PAGE 1El
PAGE 8/15
Prope~ AOdress J2~ s Ptl!.<:J;:_r:'r17~ Z.'....<:rly If' 21;;, c:A 0Q2,u ..:..-- O.lle:...i.eE'c...... 4 zaa,
27. AGENCY:
,... DISCLOSURE: Buyer I!lnd Seller each ackr'low1ed~ pnor rli!Ceipt of CAR Fo/Tl'l AD 'Disclosure Regarding ~Qal ESIlI1e Agency
Rel;luonshrpS'
e. pnTENTIALLY COMPEilNG BUYERS AND SELLERS; Suyer arl(i SeIIllr eac:/'1 &Cl<.nowlfl'.dge. rel"''!!ipt ~ e d!=lt>sure (II tl\l
possibility of muniple represent.tiOl'l by the Broker repregenting tl1.1 pnncpal. This disdow~ may De p.Jn (If • listing agreement.
bUyer-orOKer agreement or .sperate documem (CAR. Fonn DA). Buyer understarxis tMl Broker reprMentl"9 Buyer may also
represenl other potential buyers. whO may ron6ider, make offers on or ultitntrtel)' acqUIre ttle Property. Seller unoerstands that
Brotl.er represenling Sell,"r may also represent o~r ~'ers with competing properties of inter@$t to thIS Buyer.
C, CONFIRMATION: ihe follOWIng ilgency relation &hIps are nereby confirmed fer thi5 trsnsaetion:
L,sting Agent -_____ CoJdyell ,!l4nkcr (Print Firm Name) 1$ tM agent
of (check one): IJ L'le Seller excJusillely: Of 0 bolh the Suyer and Sell.r.
Seiling Agern _ __" G.H.h.4'N! Gr:Ufip a.a.ltarc; (Print Finn Name) (If not same
as LIsting Agem) Is tne ",gent 01 (cheCk one): ~ tt1e Buyer excltn.ively: Of 0 tt1e Seller ~xclusi\l1!1y: or 0 both the Buyer and
Seller. Real Esllltfl Brokers are not pert,.,
to the AQreeme-nt beIW"n Buyer and Se~r.
21S. JOINT ESCROW INSTRUC"TIONS "TO ESC"OW HOLDER:
A. The foilOlNl1lSl ~~~phs. or applicable portiDn.1h~, of this Ag....me-nt conatitute the }oint tlserow irwtnJctlons of
Bu~.r lind Seller to Escrow Holder. wtwch Eso-ow Holder is to ~e 810ng with eny reluted counter offers 3m! add,,"da. and arty
addition •• mutual instructions to dOH tM! escrow: 1, 2,-4. 12. '3B. 14E, 18. 19, 2<1. 258 and C, 26. 28, 29. 32A, ~ anet
p.rllgrJIph 0 of me section lrtled RllIel E,tate Brokers on p;lge &. If II Copy of th. separate CXlmpeOSalion agrftment(s) provided
for in paragraph 29 or 32A or paragrllPh D of the section titted Real EstlllIs Brokers on ~ge II is depOSited lNItI1 Escrow Hddttr
by Brol<er. EsQ'"OYoI HOla.r shall accepl such agreement(.) llll'ld payout from Buyer's or Seller's 1U'IdI. or both. 811 all'Plic:AbIe, the
Broker'!> compensatIon prO'lilled tot in sud"! agreemeon«s). The term!> and conditicmf> of t'lis Agreemem nCI. set forth In the
r.pecifleo paragraphs II~ additional rTlliIllel'3 10r the in1ormation of Er.erow Holder. but ;IbolJt wnidl EsGrow Holder flPed not be
concerned Buy.r and Sell~r will rec::eive Escrow Holder", general provisioN direclly from Escrow Holder and will ex~ 5ucf"1
provlSiofl6 upon Escrow Holders IWQueat To the ex lent th. general provisions ere inconsistQnt or conPlict wlttl th15 Agreement..
the geneflll proviSion", win control as 10 the duties lind ob/iglJtIons of EK:rO'W Holder only, BLiyer lind Sell1:r will exeaJle additional
If1struolions, documer1t5 a"d forms prOVlQ,d by EWllW 1ol0lder lt181 ere reasonably neoelswlIY lo close the escrow.
e. A Copy of Ihl. Agreement an.1I be deliwred. to Escrow Holder withln 3 busne$5 daya .fler A=ept8nc:r
lor 0 ). B!Jyef and Sel.... autherlZe E.scrow
Holder 1o accept end r81y on Copletl end Signilltures liS defined in this AgreClrTlent lIS originali, to open esaow and for other
purpo~ of e5crolW. TI"Ie validity at thla Agreement ill cetween Bur-r and Sel!et" Is 1'101 111l"eded by """etlw or wilen Eacrcw
Holder Sl9"" this AgreemMlt .
. .C. Brokil'l are II p.rty to the KerDW for 1M sole purpow of compensation purvuant to ~r_graphs 29, 32A .nd paragraph 0 of the
section litled Real Estate Brokl'l' on page 8. BUyer i1Md seller irrevocabiy aesign 10 Brokerl compen5alion specified In
pllregraphs 2li1 and 32A, respectJvtly. and Irrevocably instruct Escrow HoId.r to disburse thoU! fundtl to Brokers III Ciole Of
Escrow or pursuarn to IiIny other mlJ\u&lly e):lClned eat1t:elllB1lOn agreement. C~!..tiOl'l instrvclions can be llmeroded 01'
revoked only IlIith !he writt~n consenl of Brokers. EsO'OlN Holder analJ immediately notify Brokers: (I) tI 8we(s initial or any
additiol'l8l depolllt is 1'101 m&de pUrsuant to this Agreement. or Is not good ~t time of deposit with EBCl'OW HOlder: or (II) " BUyer
and Selt.r Instruct ~ Holder to cancel escrow, .
D. A Copy of Iny armmdrnent that affects any pe.-grapl1 of Ihia Agreement tor whiel1 E&atM Holder is responsible ah811 be
l1"lM!lred 10 Escrow HoIdQr ....itnin 2 bO!linel!5s days after InJtUIII execution 01 the amendment
29. BROKER COI\llPENSATION FROM BUYER: If applieable. upon CIoU 01 Escrow. Buyer IIgrees to pmy compen!l!lllorl to Brok9l' al
~pecifletlln a sepera\e writlen IiIgrHrTlent betwetm Buyer and Broker.
30. TERMS AND CONDiTIONS OF OFF8\:
This is an offer 10 PU~lil lhe Propeny on the above terms and conditions. All paragrllphs with spaces tor inllJllla by Buyer and
Seller life inCOfportlted in this Agreemenl onty if initialed by 4111 parties. rl at least one but not ell Plrtles in/tiel. a counter onw Is
reQuired until ~9reemenl is reached. Se"er hilS the "phi to continue 10 o1f8r ~ Proper111 for $ale and to l;tcoept ariy ottler affw III any
lime prior 10 notification of Acceptena!. BlJye1' has reed and 8cknowle<%/es receipt of II Copy of the off.r Rnd ilgrees to the abavG
confirmation of -oency rel3tlonshJPI. If this ol'fer is ilCCepted lind Buyer ~ubeeQuently de1ault3. Buyer rT18)' be respOnsible for
payrnenl 01 Broke,,' compens.'I\lOn. Tnls ASfeemern and any sup~rnen\. addl:ndurn or modlftca1ion. indudinoa .ny Copy. may be
Slgn~d ,n two or mol"ll counterp<a"s. OlU of which shall cont.tllutll one and the 50Ime writing.
COPY"lI n, ~ 11181-200, \Al.1r-Cl!UollA AS~OC'tATION or REAl r~S&, INC

Bu\IC".
C;;
In~l&
Seller" Inill"lS (
( -W-)(-__) Q)
I(
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RPA.CA REVI&EIl 10102 <PAGE 7 OF 8) " ...._ I ) y 01'. ~-=
C~LIFO~H1'" RESID£NTIAL PlJRCHAS£ ACilREEMENT (IV'A~ ,.AGE 701= 8) nJltll23O.7.FX
585 / 745
Court File: "Volume IV Continued" 10
1El/22/2BBa
...... ,.. 01.
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e5el7531
I:'ANlU:H; 3'0 271 463<1 j
MARA Ee SEP·22·04 3:5f1PM;
PAGE
PAGE
11
9/15
PrQpeny AdClt'll'S: .UQ;j U"1< ~ licr&ly ...1 H4 HI. 90212 Ollle',sUtembqr ( 2004
31. EXPIRA liON OF OFFEJ<; Thi' ~r .h.1I ~ o-meo revo~ and ne cepe'll 'Nail be r.lurnt:el v"leSs !he oller Is S'9Ie<l by Seller mel a Copy of tt>e
S'l1"ed offer '$ pe':;onal/v received b)' BUyGr. 01 by • 'M>c '5
aulP'loralild to 'PCP\ve ,r 0'1 ~·OO PM on the thirV c:.lencla, d.~ atle! !tiCs orr., is; Sig".d by Buyer (Of, II etw<:Ked. 0 by
D.le
BUYER
~/ ·1 .
~~ ~
LL?; CZ~~ ~w
BUYER
(d_i1Ia_\_'_a1______ 0 -.M 0 p~
/:i '\Ti,. SBll?1!Al'1 _ _
(fOrtnl N.me) (PI1"t ~ITW)
1227 l/2 S Al~r.d _s~z:-t, bOg Anq..le" CA 90QJ5
(Address)
32. BROKER COMPENSATION ~RO'" S£Lt.ER:
A. Upon Clot. ()( Escrow Seller .grees to pay <::omPO"sabon ta B~r AS Iped1letl in a ~ale Wf'1lten IQl'eemont D~'" Seller end erool\er.
B. tf escrow dOel> nol Gloae. campen.abon II Peyl'b!e _ _died In tnal ,epa,. wr~en agreement
33. "CCEPT"NCE OF OFFER: Sillier warr.nts that S"I"" 1£ the ownllr or the Proc>e/t)'. Dr hal the lIutllortly to Pe<:IIle th15 Ag_menL 5e11er QCCePtS 11\.
aoove oHer, lip""" 10 sill/the Property on tM aoOVl '-mrs anlS COf1<litions, fll\d agreeS to the above c:onrrnn-tion 01 tglrrTC)' re~lionaIttps SclII.r haS
ruel end Olcl./lCMilOOgM ~c.elpl of a CODY of!tll$ P-9reemehl, and al.Ch0r21!:S etcker to deliwr:l S~ned Copy 10 Buyer.
0(11 ched<ed) SUBJECT TO ATTACHED COUNTER Of'FER, DATED _ . _
O~tQ __ . . _ Date _ ~
SELLER •. SELLER _
,)'Q~ Ze;:n...i~kl.._ _
(pn/iililllm-) IPFlntlUlmel
lAdor"'l
I _ ._ _ : " ) CONFIRMATION OF ACCEPTANCE; A ~ of Sioned Acc:eotllrlOe _ I " ...,olldy ~ tl~ Bu)'el' or I!uyer'I aufhorizecl
(In'iells) ~nl en (Cl"Ile) .r _ 0 AM 0 PM... binding AgrllCment Is c ~ Whtft
a Copy of S;gned A~ptance II J)ef'SoNl1IJ rec.etved by BUYI' or Buyer'lS authof'lad -.gent wn.1het or not confirrMd In
ttll$ oocum....t. Completion ot this coJlflrTuUon l5 not 11I9:tlty rwquired In oms, to CTM. I bil1ding AIl'Wment: It .. ~
Inr.l\4.d to eVldenc. tl1e dale that Conftrm8tioro r:t1/ AccepLlnc:. h. . ~
REAL eSTATE 8J1tOKERS;
A. Reel Estaw I:lroker.la,. not ~rtielI'to tile Alllftlment~~enBuyer and Seller.
a. Agency rolatlonst1i",_ ~onnnned a.ll~ in pa,.,,~ph n.
C;. It speccifled in palOlgraph ~A, "Oem who eutlmllted IN o1l'er fl:lr Iilu~r adcr1lJWteel~ rec:.ipl tJIIl»p081l
C. cooPERATING BROKeR COMPENSATION; L~lng /ilrolcer .g"''" 10 pay COCpttllltlng 8rokar (:selling 'm) .nd CooPlll'~tinQ Ilroke' 1l9r~" 10
ao::al'l\ out Of lJs""9 8fol<wS p,oceeas '" u.cru...... (1\ me MlOl,ItIt ~afied In 1M MLS. ~ CoopenlllnSl 9rol<.ef ~. PartlClillwnt of the Ml..S m
wh,ci1 t~ Procerty II ct14lF1ld tof ~a. Dr a re~ocal MU>; or (I)
CBCI ~tween Lilting DrtlkM.nd cooperatil'lll Brolwlr.
0
<If etI.el<td) the "maUl'll apecilied n. _pe,.
wrttaIIP IIgrMrTlllnt (CAFl ~orm
R. .I uQlte erOl<er (S.IIl1>; Firm) ~ n D Griffin Real ton
8y
Address ll~.;l_.!!U~QI2d 8oule'\"ard
- Oty %.g§ Anclel.,
Jf~.ri.Jr SelM'r Dnt S«pt&Lbwr '. !JOD4
Stale Q 2'1) 90021
T"l4iptlone (3101 nS-l8,1: .. _ _ F.I(

132,:18.'-9JZ8 E~lnsaFA&nJe·olICAm
R.,.l Estate BrOl\l:r (u.ting Firm) Aol&ell BfAJ;.r
Il)' Delli
AIIOIIISI
- City a.tI z:.,
i.l4Ilphor>e Fax E-mail
·IESCROW HOLDER ACKHOWlB)GMEN1';

~crow Hold~r .cMowle"".,
ree.ipl of II Copy of thi$ Agre_nt. (~ c:hecked, 0
a depO!lIt In tile llmount 01 S _ I,
counter """, n~ombe'" _ and
,and ao~to aotlu ~OOWHO~f$~10pIllIIgr.lPI'I2& of~ A9'"men\. any
!Upplentllroeal •• crow in'lrudions &lfl(l tile 1t'trTn6 ot l:1C/OW Ho~. general provfsioni.
Escrow Holder", a"Yl$etllhllllJ'lt 0,,1e of Confirmation Of ACX'89lence rJ IN Agreement tls ~ n B~yer.nd seUw II
ES<:lQlft' Holder _ e..~t
8)' o.Ie
ADatyll! .
PhonttFalJ'E·rmil _ _
o."iIMlent 01 0

ue-ow HolCler 1$ ucensed l:tj 1M Cahtomlll CMporanona,O Inwranoe,O R...I &tate, lK:elle.
1_ _ :_._) Rf.JECTION
(Sell"" Initials)
OF OFFER;
.
No COlJntwr
<e.te)
~
• Oalll9 mad". This QtIltr rll\lie'Ao«l lind relec»d by SeIIw on.
11-11$ F(,)~'" '"""'5 BEf'" APF'RO'o/itl 9Y 'rt1l: CAlIFORHLIo A.~o;OCIATION OF ~ TORSI> (C AFl). NO R~PRESENTATlON IS MADli A3 'I'tl TloII l,&GO.l VAUorTY Oft
ADGOUACY OF ANY ~ClYISION IN ANV sPECIFIC TI'IANSAOTIOfl /Ie. RVoL ESTATE BRot(ER IS 'Tt11 PFRSO., QUA~I"1'O TO AOVlSi ON REAl ES1"'T~
TJ:.A"SAC"TIOHS.IF YOU ~~lr(E LEGAL ell TM ADVlCE. CON31JL T AN A~I"ItOPI'lIAT( PROFESStOAAL
nn 'erm.l.a'llltllc *"
lJut>y ,'It enll,.,..;ol UI.lll4t onlluAtI'1 ~ .. nIlt ",.n~ 10 odCfIlllv""""'.'.
REAl.TOIlQ. REALTOAe Is I r89ft1*l CQlIlCll.. ~ p ....
''''''en ll'IQy b' U\.-i only by n-e1l'll'JOl'uffle IolAnONAl ~SOClAnOM Of P.EAl.TOR5ewm S<,l>$C';bo: IOlllo Coo& 01 E-.-.
l nc~-.:Yf"~
~
~-~
hI~ ~ ~~. .....
R~A.C" REVIseD ,Ml2 (PAGE 8 OF III
Pu~t.I'IOlll)y trle
Cailfcmj;ANcx:~lJ(>no'Re...lTORSe
C,o,LIFORNIA RESIOfHnAl.. F>URGHME AGREeMENT (RI'... .c.A PAGE I OF I'

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310 271 48~j
MARA ESe
SEP-22.04
PAGE 12
3:57PM; PAGE 10/15
,~
C"LI~Ol\NTA
As'OC.AT10N BUYER'S INSPECTION ADVISORY
OF REA L TO R.S·~·
(C.A.R. Form BIA. ReYl&ed '\0102)
Propeny Address: 3.20 ~oJ.: V:::.~, B<!:!J:rly H:Lll~, CA 9021.2 _ _ _ _ _ _ _ _ _ _ _ _ _ (FroPertY-).
A. IMPORTANCE OF PROPERTY INVESTlGATlQN: The physiCal cond~ion of me land ana mprovemen1S being purchased 1$ not
guaranteed by either Sell$!' or orokers. For this rellQOn, you shovld condUct Ihorough investigations of ttle Property personally .nd wilt1
professionals who should provide written reports of 'heir In\lestigation5. A general phYSlall inspection typlcally does nol cover.U aspects
of the Property nor items affecting t~ Property rna' are nol ph)'$icaAy located on the Property. If the professionals r8C'OITIme1d furttler
inYes~gatlOnS. Including a re=mmendatx:>n by a pest control opermr to inspea inllGCessibll! aness of the Property, you $hoUld rontaa
qualifIed expertS to c:onOUCl suef'\ "ddilional in~lJl}ebol'l$.
B. BuVER RIGHTS ANO DUTIES; You hay'! an IIffirmal/lle cuty to ex.rdse reasonable ClIne to protect youra.srr. flcWding dls.covery Of
the ~g8I, prlldlC:ll and techniCAlI Implicatlo~ of disclosed facts• .lind the in\le5tJgation and v<!>/'rtlcallon Of information and facts that you
lcnow or that are wilJ'\in yoor diligent attention and obs.ervation. Thll purchase egrftmern 9ives you the nght to investigate tho! Property. It
you exercise this nghl ~d you should. you must do &0 in ~ance with the terTTl5 of thltl a~eement. This is the best way lor you to
protect your~H. It IS extremely imponant tor you to read all wrlltcn repot1S provided by prolessionel$ aOd to disOJs.s tile results of
Ifl~ection$ wrth the profesSJonal who conducted theln~cion. You have the right to request that SeHer rT\lllI.e repal~. corrections or
taka other "diOn ba$ed lipan items discovered in your investigations 01' diSclosed by Seller. If 5e1k!r is unwilling or uneble to &atisfy your .
reouests. or you do not Win! to PUrcilllU' the Property in It! dlscl05Cd and diecovered conditlon, you hllV!: the fight to canc:el tle
agreement if you act within sPeCifIC timt periOli'. II you do not cancel lhG agreemel'lt In II timely ltnd proper manner, you may be In
~ 01 cotltr*d
C. SEu..ER RIGHTS AND CUTIES: seller is reQuired to disclose to you INlterial tilde known to himlner that affect the value 0(
de:5irabllity of the Property. However, Seller may nol be .WOlre of &Ome ~noperty oefeCb or conc:lltioru;;. ~It.r aces not ~ve an obligatIOn
10 iNopect the property for your oenefll nor ill Seller obhga'Qd 10 repair, c:orreeI or otherwise cure known defectlil thaI are disclosed to you
or prelllously unknown de1ee:ts tnat are dis=ver'llCl by you or your Il"ISpeaor& dunng 86l:row, The purchase agreement otllrgate5 Seller to
make the Pro~ availe~ to you for imlesli~tion&.
O. BROKER OBLIGATIONS: Brokers do not have expertise in al areas and 1heretore cannot advl&e you on many Items, ~ch •• IOU
stability. geologic or _ll"OnmerlUll conditions. hazardoua Of illegal ca'ltrolllCllub$1anc:es. &O'\.JCtunI1 conditions of lJ"Ie toul"ldation Of otner
improvementll, or thi COnditIOI' of tht roof, plumbing, he~g. 8'1 ccndit~ eledrlCal, sewer. ~. waste dis.posel. 01' o1t\8r ..ysl8m.
The o~ way to icourately de1tlrmW1* ttl' ~Ondlllon of tt-. Property ill through an Inspection by an epp.opriQtl;: Pf'OIe"lonal 5eleeted by
yoo. If Broker gIves you reterr." to ~1IC2'l pnofeulonals. Broiler c:1oe:s notlluarant.. their performance. You rmly seled ONlY professional
of your chOOSing. In Ulea involving residential cIwtIllinga WlIh no more than four units, Broll.~ have a dUty to maII.e a diligent visual
1n5pectlon of the acceulbIR areas aI the Property end to disclose the l"e$uIs of th8t inspection. Howewr.... some Pnoperty defects or
conditIOns may not be dmcoverable from a VISual inspection, It '- pohible e~~ are nen IIW81"e at them. H you nave ent.red IntD a
written agreement with iii Broker, the specific term. of ttla1 sgreemenl wlR dlill&rmir'Ie the nlrtu~ and i:Xtem of that Broker's duty to you.
YOU ARE STRONGLY ADVISED 10 IHVESllGA.TE THE CONDITION ~NO SUnABILIn' OF A~ ASPECTS Of THE PROPER"fY.IF
YOU DO NOT DO SO. YOU AR! ACTING AGAJNST THE ADVICE OF BROKERS.
E. YOU ARE ADVISED TO CONDUCT INVESTlGATIONS.oF THE ENllR! PROPERTY. INCLUtlING, BUT NOT 1.IMlTED TO TIlE
FOJ.,LOWINO;
1. GENERAL CONDlT'ON OF THE PROP1:RTY, IT'S svSnMS AND COMPONENTS: Founoatior'l. roof. plumbing, heating. llir
conditionitlg, e1ectri(;;lI, ..,..chenal. ~rty. pool/spa. other rtrucIUr:a1 and non-SU\Jdural system, and components. fixtures,
bUill-in llIpp!iances, IIny peTaOllil property included fI'I the 5818. and er'lergy lrtTieienc.y of the Propert~. (Strueturel engineers liIre beat
5ui1ed to determine po~'e deaign or C:Or1StrLJCtion delects, 8fld Whether improvernent5 are slR'Cl.uratly sound.)
2. SQUARE FOOTAGE. AGE. BOUNDARIES: Square lcot8ge, roQl1l dlmen~on$. 101 size. age of improvltlT\E!nt& and boundaries. Any
numerical 't21tement~ reglirOlrlg these lIems ire APPROXIMATIONS ONLY end ~ net. been velifIed by Seller and cannot be
vcrtfled by Bnoke~. F~, hedges. walls, retaining wails mld ottler natural or constfuctecl berrierw or mal'lr.ers do not neceuarity
iderttlfy trulP Property boundaries. (Profi15Sional$ such a& appratserw, art:hitvets. &U1Veytlf$ end cMI engineer& .re best sulled to
deterrnlle squara foot4lge. dimen5ions and boundllnes of Itl' Property.)
3. WOOD DESTROYING PESTS: Presence of. or c:orlditions liItely to Iliad to the presence of WOOd destroying pem and orgenisma
8nd other mfestahOn or in(Ktion. InspectlOrl reports COVering the$e items can be sepBraled Into two sections; Section 1 idenlifles
areas where infe.!UIllOO or infeCtIon is eviOent SectJorl 2 identifies areas Where there are ronditions IIkli:ly to lead to infestatioo or
infection. A re~slered s1TuClUrai pest control company is be51 suited ID perform these inspections.
The CC!'YT9ht ,_a of th_o!Un"' " &alee (Tille 1i V.S. Code) thf
l'DrtJiej
!hS tll""'. or any .PO"\OrI \/Ieleaf, by P"0UlC:0P)I
J$ )< )
_.
lIn'ut.~ll<l I"l!p4'OOl>C\lQn Buywr'. In.itIlt (
~
...,.Gil,ne l>' lInr om.r noeOnli. Il'Iclud J "9 fDcamJe or ~~l'\Zed formals. S I~'" I ilJall ( )( )
Copyrlllht 0 10Sl1·2002. CAUI'ORN'''' ASSOCIATION OF FlEAtTOI'lS4Il. ';:.:..:.:.:.n=:::..:.===~~===,'
INC. ALL RIGHTS Rt!SERVED 1"_""",eel by . Dere I
BtA REVISED 1OJQ2 (PAGE 1 OF 2) """"1·
BUYER'S INSPECTION ADVISORY tSIA PAGE 1 OF 2
Agam: N'YI.S.rnun Phone:(310~781835 FU:(310) PrlJMnld LiIIlng W1NFa~ cofl_rt
Broker: GlI~" to Grfffin ~e.lto,.. '33-3 ~Uwood BlVCI. • LOS AnllelM CA 110024
587 / 745
Iz..
113/22/213134
.... , . . . . . _.f.. 15: 42
~~
3.61531
Of"'I''ff\.cn j
310 271 4634 j
MARA E~ PAGE 13
SEP'22-04

3:~7PIl; PAGE '1/'5

Property Mdre&S: .120 Ii P~c..II' D.c• .,.. S~ver.1y HU~ .. , Q 902J.2 o.te; i.,c..-r f ,zOO.
4. SOIL STAB/UTY: EJusterlO'! of flU or compaetedso~. exp;lnsJve or t::Ontr=til\9 loil. susceptibility to ~lippege. 5ettll1g Of rrovemerrt
.md the adequacy of drainage. (Geotechnical eng,ne8rs lire best sulled to de.. rmJ~ auel1 conditions. causes end remedies.)
5. ROOF: Present condition. age. leeks, and remainmg useofullife. (Roofing contractors are best suited Ul Qe\ermtne these CDnditions.)
6. pOOUSPA: Cracks, It<Clks or opel'lltional probl"ms (POOl con!r.ldDlO are best suited to deterrnlf1e these conditio"'.)
7. WASTE DISPOSAL: Type. SIZE, adE!~.;;JCY. L.<l-;:.:iiy 1100 condjl'!~ro c r ~';er ,,~::: sep(K: 3y~tems .mel components. conned1cn to
sewer. lind applICable kl~&.
8. WATER AND UTIUTES; WELL SYSTEMS AND COI\IPONEPiTS: Water and utility r-tailablrrty. !me reshictiC)l'\$ and costs. Water
QueJity, adeQutley, condition. and performa",:~ Of ....ell systems and componems,
9. ENVIRONMENTAL HAZARDS; Potential environmental ha2lW'ds. including, bUt not limll.ed Ie. asbeStos. leed-ba&ed Pllint and otl'\er
lead eol'\l8rrunetton, radon. t'TlQtt\a~. other 9ase~. fuel oil or chemical 6t0"'9' tank:.. co<'1t8mll'\at8Q soil or wtl1er, hIlzefdou. waste.
waste dIsposal snes. elec:lroms\1T1etlc fields. nudesr sourc:.s, and other 5UcetlnalS. ~t"riills. produets. or conditions (indlJdlng
mold (all'bome. toxIC or othelWlse). fungus or simuar comamiNlI\ts). (For more information 0I'l these 1Iem&. you may consUlt 2In
appropriate profeSSional or read the booltlets "Envll'Oom.ntal H=rds: A Guide for Homeowner:.. BlIye~ Landlords end Tenants:
''Protect Your Family From La.d in Your Home" or both.)
1 Q. EARTHQUAKES AND FLOODING: Susceptibility of the Property 10 ~rthq~k.eJ$.mrric; haz!lrdsana pro~5ity of the Property to
flood. (A t*ologi6t or Geotechnical Engin~r is; beST sUited to provide I"formatlon on these conditions.)
•
11, FIRE., HAZARD AND OTHER INSURANCE: The availability and COal of n~SIIry or <lesired insurance may WIry. The location of
the Property in a sei$r'nIc. flood or fire haulrd zone, and other conditions, such as the age ot the Property and the c;Ia;rTlI history of
the Property ino El\J)ler, may afl~ ,he aveill\bility afW:\ need for certam types of ins\Jr~. Buyer ~ld ~ore ll'Iauranoe op\i0r4
early N th~ information milY aff&et other decisions. including the removal 0' lOan and inspedion c;on1ingenci&5, (An insurance agent
is be'$t Iulle<l to provide Information on these condilions.)
12. BUilDING PERMITS, ZONING AND GOVERNMENTAl. REQUIREMENTS: Permila. inspedions, amifleatea, zoning. other
governmental ~mllatJOns. ~trialO~. and requirements aff&cting the cun1!lrtt or fulUr. use cA the Preperty, its de'velopmem Of siZ.ll.
(Such infClmlatlQrl j, available from approprl8te govemment81 ilger'lCies ana private II'lfonnBtion providers. Broltm are not Quaftf'1eCI to
~vlt"w or inlerpl'!lt any such InformatIOn.)
•
13. RENTAl PROPERTY RESTRICTKlNS: Some citiBI; and counties impose rl!stridJOr'lS that limit the amount 0( rent that am ~
charg~, !he ma~lmum number of oCCoplilnts: end the righl of II landlord to terrranate a Ienlll"C)'. DeBdbOll or other. lOCkS and security
6V£\eTnS for dOO~ anll winDOWS, Wletuding window baa. should be ~amlned to determine Whether hy atisfy ~B1 reQUirements.
(Government llgenaM ~n prOV'de informetJon about theM rHtriclions and other requirements.) .'
14. SECURITY AND SAFETY: SUite and local L-w mey require the installation of barriers, ec.ceu a~. lelf.iatd1l"9 mech8nisms
endiOf other measurea to oe~SlI the nsk ttl children and otner per$Ol'l3 of eXisting swimming pools and hot tubs. as - ' I . . veriou&
m ~afety Qnd ot~ measures concerning olhcT features of the property: Compl~nee reQuirementS dlfter from cltytD crty and ~ty
to colJrTty. Unlfll:S SpedflC311y 29reed, the PrQPerty may not be 10 compliance with the$e requirements. (Local gcMlrnmenl agenclet
can provide information abOut lt1eH restrietion$ and otn.f Itquir'em.nts.) :'>T, .....
t 15 NEIGH!lORHOOO AREA, SUBCMSJON CONOmONS; PERSONAL FACTORS: NEighbornood Of wndltiQn•• ifQIdlng are.
. ~oots. pfOJdmdy ~d 8Mquacy 0' ..., enforcement. c:rirne stIltisties. the proximty of ~gi$tered felons or offeno.... .fIt. prolildion.
tither goy«mmenl 5efVIORS. ,vli1ablfrty. aoeQulICY Ind 00lIt. of eny ..,peeo.winld, wi~le.. '1'1tIt!'"et alrlneoOll! Of ~
t~ecommunieatJOnl or other technology servle- and Inl1a1latioflS, prClXllnMy tEl c:ommalClill, Industri.1 or egrlc:utturwl. 8dIVhle$.
exi£ung and propOfoed lr1lnsportellon. c:onstrlletion and de"eloprTlltnt that may .neel 1lOlSe. VieW. or uatric. slrpon nocH. nOJae or ~cr
from any sourae, w~d imd dOmQltic Inll'T)llls. other nuisances, haUlnl... or eiroumstlll1CeS, pro~ .&peda.. wetland propertIeS,
botaniCl!I diaeaaes. h~toric: or other govemmentglly protected sites or Improvements. cemetenea. faalille$ and c:ondlt\Ol'l of common
IIreaS of common ,ntere$! wbaIVJsions. and POuiblllllllck of compliance with IIny gDVeming docurr»nts Of Hcrneownerw' Asaodatioo
t requiremenu. conditions ,nd inflLJer\ces of signiftea'lCe to c:erllrin cullures'8m1Jor religions. end personal needa,.requremetlt5 and
preferanceli 0' Buyer.
Buyer lind Selle< .cknowled9« .. nd agree thllt Broker: II) !Joel not ~ whet IHU Buyer should pIIY or S.II.- al\OUld ~Pt: (II, Does not
guareNee I"," condi1ion of ~ Pro~: (iiI) Does I\ot gUaBmtlll ltle petformanca. adeQ~C)I or comp!etenea. oIlnspee:tiorW. aenIIceS. pt'Oduets 0'
,..pan prOYiOed 01 maclc Dy 5-I1ef or others; (Iv) $l\all no! ~ re'PQrtM>1a tar .,.ntllylll9 d,fe~ 1rnIIafll not known ttl 8roUr.arel (II) .,. not visuaJlV
o~rvlIb* In rn.~bly oec:anib* ./eas of tlle P,o~"Y; (til _ " common arellll: 01 (e) a~ of'! the .hIt of life Property; (v) Shal nDr be
,..po~le fe1 mlpechng public: recoras Of permlta concefning ~. 01 ue of p~ (vi) SM. not be Pl!SPQlJSItllIe for iOentIf1ing the Ilx::abon of
DOund.ry ~rle' or olller IIernt .ftcc:tirlV tIlIe: 1'/111 Sn•• ngt be reqlOMit* tar WotltyinQ ,gu.re rootage, ~ ~ of ou.,. or infgnnBUon
•
contained In InvefllgtlbOn .. pottS. MIi'~ Llst~ Servo. ~rlIaerTWl1I&. "YfiS « ol/'ler promohonlll rnatllriat. (vYI) Shill not be ~ far
providing IePIII or ta~ ,<!vice re"artling ellY aspect 01 • tr8MKlICn en_lid into b)' 8u»er« seier. anD (ix) s~lIa nClC ~ MponIib!e ~ DI'OYidin9
Clth.r advice 01 information 11111 e~CH6a the knowledO'. eduClliorl 11M ftpe"""oe nrqu!t8d to perform noaJ ~e rlC8l'l&ed aettvlly. Buyer Arld SeNr
;IgNte to s.aek legll~ talt, insu~nce. title and other oeSlrell U$iRIOC1!' ftOln IlC!Oropnd prohtssion••.
By signing below, Buyer and Sailor eactl a c ~ rhat tho7 have read. und&ratanel, ~pt end han! rt'Ce;v~ • Copy of
this Adv.i1l'ory. Buy.Hi'~untg" to ,..d It ~efuJty.
Date
•
Buyer Signature
Seller Signatu'r-e--- Date Seller Slgnaturl!l Date

J Ollepl! z,e=z:i.J:
THIS "O"~ H45 BEEN APPROViD llY THe ('-\lIFOM.I.... ,o,SSOCIATION OF REALTORSe (CA'll NO REPR£.SEtrr,a.TION IS /lAOi AS TO n~ lEGAl VAUOlTY Ol'l
ADI!OUAC'r' ~ ,o,~y ~OVlSI<m IN I'oHV SPECII"IC TP,A,."SACTlOl<i. " ~ ESTA"'; mOK~ IS T'HE PERSON QUo'\IJrlftl TO ADIIlSE 0t4 ~ !!$TAT;
Trvo.N$ACTlOl<IS I~ YOU ot:ll!\E LEGAL OIl T,o.)( ADVIce. COfolSUl'f I\Ij APPROPItlA'!'f PfIIClFESSIOIIIAI.
Tho. to,... .... vailAble fclr' ~'" :101 tnI O'lll"t ,..., .mlll inousr,. n IS rlOl inU!~ tl benuf'/ tile u_ as • 1'fEAl. TORIl. "EAL 'fORe • • ~..., c:oIeCtrfe ~ IllI/Y
_..:- rta'1 bIlllC~ ont)· "" ",,"'.ll4fl, 01 \hlI NAT\ClttA1. ASSQCljt,TlON Of. REAl..'TQ"M "lID .u~~ kt na c.oo. DI tltlQ ~
t
~
•JU"C~
J.. ~
"_
• ••
IQI ... ~.
BIA ClEVlSECl10lCl2 II'AoGE 101''2)

F'UOI~l)ytne
CAI;tQm..

"'uoe.-lion of REAl.TOR5<!: I R~vl_lIClll)'
-------'-----===-
Dale
I l5.I
__
--.
BUYER'S IP<lSF'ECTrDN ADVISORY lIMA PAGE ~ ~ 2)
t
588 / 745
l':>
16/22/2664 15:42 .56~531 ... ,v t:.' ,
MARA
4+ O..3a ; ~'.22.04 ~ :09PI',li
PAGE
PAGE 12115
14
i~
CAlTrORNlh

,",SSOCIATION
ALLOCATION OF COST ADDENDUM
~

Of R..r..... t.TO I\. S •
(C.A.R. Form WPA., ReylMcl '0102)
Tn,s IS an aOdendum lo lhe ~ Calrtomie RestdentialPurchase P-greemel"lt or 0 Ottler

_ . _ rAgreementj. oated Septel!lber 4. 2004
on propet1y known _5 320 S - reCK Dri'll"e, ~rI>,; Rill $, CA 902%£
---- ("Property").
between _ N;i.nft SlilIIl1clln rBuyer")
and _
_ ~J~o_'=!.:s!:.l!!P.h Eep,jk ("Seifer'").
THE FOUOWING SHALL REPl ACE THE v\oOD DESTROYING PEST INSPECTION PARAGRAPH (4A in th" Califoml2l
Residenti.1 Purchase Agreement (RPA-CA») and sNlil supersede any conflicting terms in any previousty-generated
agreement:
WOOD DESTROYING PESTS

A. 0 Buyer Ili Seller shall pay for a Pest ContrOl Report for wood d~troying pests and organlsms only ('Reporr).
The R~port s~1l be prepar~d by S'!l1~~ cho.i Qe • CI regi~red structure! pe&t
control company. who 'han sepali!lta ttle Report into sections tor evident infestation Of infection (section 1) and for
condltklns likely to lead to infestation or intection (Section 2). The Report shall cover the main building and attechcd
structuras and. if cheCked: L:5l de~ched ~raliJEl$ and carports, 0 delildled decks. 0 the following other ~tructure$
on the Property: _ _ . ----: . _

The Report shall not Include roDf coverings. If the Property is II unit in 1!I ccndominium or other common Interest
subdiviSion. the Repo/1 shall mude only the sepllrate Interest and any exc:lusive-uae areas being transf8rTed, ana
shall not include common .reas. water Lests of shower pans on upper level units lnIlIy not be performed unless the
ownel'$ of property below the shower consenllf Buyer requests inspection of inaccessible areas, 6uyer&hall pay for
\h~ cost at entry, in.s~CUon and closing tor th05e areas. unle5s otherwise agreed. A written Pest Cootrol Certification
shall be Issued pnor to Close Of Escrow, unless otherwise agreed. only if no infestation or infection Is found or If
required corrective work It completed. . .;
B. (Section 1) 0 Buyer ell Seller shall pay tor work reeommended to correct 'Section 1" condition. cteseribed in the
R&port and the cost of ,nspec::tlon, entry and closing of those lnacces.mle areas where ilc:tive infeStation.or rnleclion
is. discoyered. " ~
(Section 2) ~ Buyer 0 Seller shall pay for work recommended to cOn'ed 'Section 2" conditions desCribed In the
Report if reQue6led tJy Buyer.
By signing beloW, the undersigned acknowledge that •• c:h has read, underatands and haa received a copy of
Addendum. .
ttl.
::::OP::;~;;20~_
H:i • S.."..n
. Date st!pt~ .....::.4L,....2a..O'::.:O~4~
Seller -:c--~..,.,...._.. ,.,...----------

Jo..epb Za..mik
_
Seller _
Buyer_. __
T~ .... C'(''lIh1_ ctl!'.. ur•.,.;

SQ». '1* 17 I,S. CQOo1!;iOItIia ll'oe ~lil.ed "QI'OOUellClnC19U loI'm, 0I11Yf ponion~. b'/'~ rnac;ll!M0I'''''' ~t--'
n:Mllng 1-.:;$llTlIIe or ~·o"",""cci 10',.... Cc:>yr'9N C 2002, CAolH'ORNIA ASSOClA ilON O~ ~EAlTOf\se. INC ALL RIC,KTS FlE5EFlVEO
~H15 'ORM HAS Be£!; !lPPROVEO BV THl; CALJPQANlA A$SOC....TION OF REALTORse (C-Aft_J. NO R£PI'lES!N1'~noH IS WWE AS TO Tl'tE lEGAl. VAUDrTY 0"
AO!OUACY OF AJriY ~OVlSION IN !'ol'f'f' Sptcrnc T"'ANSACTION. A ~ ESTATE eR.Ol<EJt IS THE P£R.$ON OUI>.LIFIEO TO ~.QVIlU ON fI.EAl @.STATTi
'TAAN£"'CTIONS "VO\) ~S~f LI:'CA1. OR TA.l .t.DV1Cl:. CONSULT A, APPROPRIATE ,"ROFE5S1~
Ytv.. to"" III ".,laDie /0' ..... ll'1 ;r,. efl .... ,.., ••"'.. ,-.-y • 1& flOl _ :D ~ N _ "" II REAlTORl!t. 'U!AL TOM .. - ""9- C<lJlecliw ~Ile.-hip _ ....
w~1> n-.y be "oed 0",'1 ~' n..- . 011/>8 N".T'ONAL AS",OCL&TlON or MALTORSi!'..no ~l:Jltoe to Its Cooe 01 E:l'lic:$,
CstRE~
:.. """"" ",roo.,....-
PubJshe<ll)y!he
ClIJito/'ni_ "naaetiDn 01 REAL. TOR~ c;---
Rev_lIy 0_
I tEl
==
WPA ~ec ,QI'(l2 (PAGE 1 OF ')
WOOD DESTROYING PEST INSPECTION AND ALLOCATION OF COST ADDENDUM IWPA PAGE 1 OF 1)
"gent: ~"'.. Sa",.. n Phorv: /31 0147811'» F.,.: (310) P~red UIl'"Il W1"':OJnls4l8oftwart
8roiler: Gille",n" Griffltoo R.a11DrS 1332 WPstwood IlMl. • LOll AnQ41H CA 900u
589 / 745 (L{

Page I of I
SUbject
Date
:
-- ~
From
To
Cc
JeW
.2ClO' 1457:00 -0700
Vielor Parlts <Vlelor@PMloans.com>

Michael J Libow <m,libow@aol.com>
NiVle Samaan <NSamaan1@l!9.l.com>
• ~
Hello Michael. Wanted to let you know that we have the appraisal review In and It came in at value wi no
conditions. We should be able to get loan docs within the next few days.
Regards,
Vietor Parlts
Sr. Loan Officer
Padfic Mortgage Consultants
Victor@PMloans.com
310.275.5353 Office
310.496.3256 Fax
about:blank 1012512006
590 / 745
Propert~ ~,. FiI.so?I~748i
Sciences ::=7TI
October 6. 2004
I, Mr. Victor Parks

Pacific ~lortgage Consultants
700 Larkspur Landing Circle. #2:5
Larkspur. CA 94939
I
File '\umber: 116748i
I
Dear Mr. Parks:
In accordance with your request, the Property Sciences Group has appraised the real propeny
mdicated below:
320 S. Peck Dr.

Beverly Hills. C A 90212
The purpose of this appraisal is to estimate the market value of the subject, as improved. The
property rights appraised are the fee simple interest. In our opinion. the estimated market value
as of the specified date is:
October 2, 2004
$1,718,000
One Million Seven Hundred Eighteen Thousand Dollars
The attached report contains the description. analysis and supportive data for the conclusions,
final estimate of value, descriptive photographs, limiting conditions and appropriate
certifications.
Respectfully submitted,
:
I
II
JlLd2L
William Rahn
AL025258
07'2005
Property SCIences Group mc. i
123 S Figueroa St. Ste 230. Los Angeles, CA 90012 TEL 213-830-03JO!FAX 213-680-2368
591 / 745
Propert~~" Flle~C~\~4Si
Sciences =iifI
APPRAISAL OF
----0:-- - ~ - ~ ~ -- . .~- - --.-~ ... -... - - - ~
A Single Family ResIdence
LOCATED AT:
320 S. Peck Dr.
FOR:
Pacific Mongage Consultants
~OO Larkspur Landing Circle, #275
Larkspur. CA 9493q
BORROWER:
Samaan
AS OF:
October 2. 2004
BY:
Wilham R1lhn
AL025258
123 S. Figueroa St.. Ste 230. Los Angeles, CA 90012 TEL 213-830-0330.FAX 213-680-2368
592 / 745
Property Sciences Group IDC.
~A
PrODertv DescriDtion )RM RESIDENTIAL APPRAISAL REPO' File No. 11674Si
Prope<ty Address 320 S. Petk Dr. C~y tleverJv Hills e CA A> COOe 902,2
LeQal Descnpuoo TRACT # 7710 C<Juntv Los Anlleles
AssessOCs Pa"",1 No 4328-D2~23 Tax Year 2003 R.E. Taxes S 11,005 Specal Assessments S :-lone
Borrower Sarnaan Current Owner Zemick Occupant· Owner Tenant rxr D vacant
.•• Property rights appra'Sed lxJ
Fee S",ple '.easehold 0 PrO\eet Type I PUD IJ
CooaorTln'u," IHUDNA onN) rlHOAS
NeKlhbamood or ProlOet Nan"<! !'i'A Map Relerence 632·F3 Census Trac! -010.00 "'"
Sale Pnce S 1,-18.000 Date or Sale In Escrow DesC11000n ana S amoont of lOan cha'OesiconcesSlOns to be pad tJv seier :-I'A
"endefiOent Pacific \1ort""lle Consultants Address 700 Urlcsour Landini Circle. #2"5. Larkspur. CA 94939
AopralSer Wilham Rahn Add",ss 123 S. Fi2Ueroa 51.. SUIte 230. UJs An2eles. CA 9012
LOQllkln
BUltt up
~ Urban
,X Over 75%
Suburban ~
i" 15·75% Rural
Under 15%
Predominant
occupancy
I Sin~le
~~ E
fami.'Y hOUSing I Present land use % IL".nd u.se change
~~E lone laf11lly 90", [Xl Net lIkelV 0 l'O"'"
~X 0 oroce55
Gro",n rate
Property values
Demanltsuoply
Rapid
IncreaSing
SOMage
X Staille
X Stable
X ~DaIlrce
SloW
Declll1rng
CMrS<q:tj
Owner 90
Tenant
X '1acn(O-5%1
500 Low
9000 H, h
Predom",aot
"ew 1·4 famty
90 MulJ-fanWy ~ To
CommefCial ~

--------,1
In
-j
Mar1<eUno time Under 3 flUS. X 3-6 mas Over 6 mos. v,,*, ,,_ "'I 1800 50 Vacant
Note: Race and the racial composition of the neighborhood are not appnlisal factors.
l<.Jelgrborhood boundaries and characteristICS: The subject's neighborhood boundaries consist of: Sunset Blvd. to the north; La ClenelZa Blvd to the tast;
~ IhJlworth Dr. to the south: and the lA>s An2eJes CountrY Club to the west.
".1 Factors that affect the rr,ar~etablll[Y of the properties In the neighborhood (proxImIty to employment and amenities employment stabilIty. appeai to "T1ar~et etc)
:_, See Allached Addendum.
Market conditions :n the subject Tlelghborhood (includIng support for the above conclUSIOns related to the trend of property values. dernancf/suPDty, and maltetJng time
.. such as data on compel1tlve propertIes for sale In the neighborhood. description of the prevalence of sales and finanCing conceSSions, etc)
Market conditlOlls are conSidered as stable with demand and supolv of residential proPerties bein2 in balance. Values are 2enerally trendin~
uDward. Marketln~ tImes are typIcally less than 180 days. with many Droperties sellinR: at or near list orice. ConventIOnal finanCIn2 1S prevalent
and readily avaIlable at norrunal rates. Seller may pay a Dortion of a buyer's non-recurrimz c1osine: costs .
•• Project Information for PUDs Ilf applicable) .. Is the developeribuilder in control 01 the Home Owners' ASSOCiation (HOA)? DYES 0 NO
ApproXimate total number of umts In the subject project ~I A Appl'Oxmate total number of units for sale In the subject prOject
Descnbe common elements and recreational facilities
DimenSIOns See attached plat map __ __ 7opography I

S~e area 6,400 Sq. h
SpecifiC zoning c~asslflcatlon and desCflptlon Rl
Corner lot
Sin le-Famtl Residential
Sile
Snape
I
Zoning compliance !Xl Legal 0 Legal nonconf<:rmng (GlandfaU1ered use) Illegal No zoning Drainage
H,anest & best use as Imoroved, rx1'Present use n

Other use (explam) VteW
Utilitie. Public Other I Off·site Improvement. Type PUbiC PrIVate landscap"'l
~
~ ~
~
DrIVeway Surface
Electnclly
Gas
I"
X
Soeet
cum/guner
Asphalt
:=C-"o"nc"re=te:- _ Apparent easements
Water
San~ary sewer
Storm sewer
X
X
X
Sidewalk
Soeet lights
AIIev
C=o"nc"'r"'e"'te:-
"S"'tan=d:::ar"'d=-
None
_
_ &
FEMA SpeCial Flood Hazam Area
FEMA lone X
FEMA Mao No. 060655 0000
Yes X No
Map Date 09.07 1984
Comments (apparent adverse easemen[s. encroachments. special assessments. slide areas. Illegal or legal nonconforming zan mg. use. etc,}: See Addendum
Attached.
GENERAL DE-SCRIPTiON I EXTERIOR DESCRIPTION FOUNDATIOO BAS.EMEN7 I INSULATION

No. of Unrrs One FoundatIOn Slab Slab No Area So Fl 0 Roof ~
No. 01 Stones Two ExtenorWalis Stucco QawlSpoce Yes % Flmshed I Ce,hng Cncld. X
Type (Det iAIt) Det.. Roof Surface 5 anlsh Tile Basement Norie Ceiling ~I Walls Cncld. X
DesrgnISty!e) Traditional Gutters & Dwnspts. Yes SU"l'Pu"l':-Io Walls Floor _
EXls\lng/Proposed Ex,SttnR Wll1dow Type Awning Dampness None Noted Floor Nane _
Age (Yrs.) 74 Storm/Screens :-101 Yes Settlement None :-IDled I Outsde Entry Ucme<> _
EffeetN~ Aqe (Yr'i 1 10 'Janufactured House ~o infestatIOn :"Jane Noted ,
'.1 ROOMS Foyer L~lnq DlnlnQ KItchen Den \ Famdv Rm, I Rec. Rm. I Bedroom'i I .. Batlis ~.aundrv I rJther Area Sa.Ft
Basement o
I
Levell 1 I 1.426
".1 Le"el2 3 2 1.249
o
Flnlshed area above qrade contains ... Rooms 4 Bedroom(s); ] Bathls' 2.6-5 SQuare Feet of Gress LNlnq Area
i~JTER'IOR Vc'I;f1i1 IS,Ccrcl:'oll IHEAT'NG I ~I~CHEN EOL:ID ' A,~Trc tVF'.:r E5 :AP 5-C'I.:}~,,'~E
~one
~ ~
Floors Tlle,WoodGood T)1le FAU Relngerator ~Jone [J
'.' Walls
TnrniFMh
Drywall Good
VvoodGood
I Fuel Gas
CondJlionA;g.
~angelOven
Disposal
X
X
Sta"
DroD Star .
''''''"''i''_
Concrete
PatKl
JeC:k
X Garage 2
;',nac"ed
, 0 1 cars
Bath Floor Ttle Good COOliNG Dishwasher X Scuttle X Porc~ Cetacned
Batn Wainscot Tile,Good Central :-io 'anlHood X CIO<Y Fe"ce Block Wood .\. Blnlt·!r't
:;'oors S\)1Jd Good

Intenor Fintsl1 Good
Other \\t'mdov.
I CondlXlnAv~.
P
Mlcrowa"e
Washer/Dryer P
Heated
F,nished
H! PCOI H :a:nort
:,IV€ W aV
Addll'o~al features Ispec:'al ererqy efflCle'lt Items, etc) See anached Addendum.
Condition of l~e Improveme:",!s. deorecatlon (phySical. funct:onal. and external). repairs needed. quality af c.Q'l5tr~c::or, remode!lng,2:jd:t ons '~IC:
The subJect's
effective a2e IS less than ItS actual age. which is due to re2Ular maintenance and repatr of the subleet prope,,:es on a re","lar bam "0 tnternal
inadequacIeS or external adversitIes were lloted
Adver'ie enVlron'T'e':al ccndl:IQ'lS I~ucn a'i, bUI'lC!. 'rr1I!ed to nazardous wastes, :CXIC substances, etc) preser~ '': li'e iTi~r':\lernents, c~ t"'l? s'~~ 'Jr ,i' the
immediate Vicinity 0\ the Subject pro'Deny :2.Se~e,--,=A",ll~a-':.ch",e:cd".,-," -i
"f"oclll~MlIC F~m 7Q &'''') PAGE 1 OF 2 '3fT1lO MlI'!"arm 1()')4 693

~od...r:.edJY19w:,I~e lIOOl:W8'2)_~OMIb(Ofl'
593 / 745
Property Sdtnees Group Iue.
';A
Valuation Section JRM RESIDENTIAL APPRAISAL REPor r".,I,.u 1 tV "'tal
ESTIMATED SITE VALuE

=$ 915.000 Comments on Cost Appr, _" as, source of cos: estl~ate.
ESTIMATED REPRODUCTION COST. NEW OF ,"'PROVE ...ENTS· I Site v,lue. square 100l calculat,on ana lor HUD. VA ,na 'm~A the
[}Helling 2.6~5 Sq. Ft @ $ 32500 $ 869.3~5 estlmatea remaining economIC Ide of the proPerty):
Bsm!. 0 Sq FI @$ _ _ _ = 0 IThe reoroduction costs oer sauare foot is based on the Marshall and
• F'P PJtlO 10.000 ISwlft Cast Handbook and mfarmattan supplIed bv ivcal builders
Garage,CJ'OC/1 ~ Sa Fl·:;; S 10000 = 36.000 The land value ratio of 53', was deterrruned bv abstractIOn and IS
Total ESlImaled Cost New =$ 9l5.r5 I:vtJtca1 for the market area. The eSllmated remaini". hfe IS 60
Less ~o P!'-YSIGaI I F'JIlCHonai External I, Est RemaJ1Il'''9 Econ. !...Ife 60 Years. There IS no functional or e:Hernal obsolescence was noted
• Deprernooc 14', I SO 1$0 =S 128.153
geprectated Value of I'i"orovernents =I ;S7.~22
"AS-IS" Value Jf Site IfTlpro .... elT'ents 20.000

. I
INDICATED VALUE BY COST APPROACH = S : ~2:.200
ITW S'JBJEC CO"'PAKABLE NO 1 COMPARABLE NO 1 COMPARABLE NO ]

320 S Peck Dr 31 I '; Maple Dr. [247 S Peck Dr 232 S Rodeo Dr
Address Beverlv Hills Beverlv Hills CA 90210 I Beverlv Hills. CA 90212 Beverlv Hills. CA 90210
ProXlm,tv te Sublect I >.oorox. 0 ~5 "Ii. :Sorthea51 Aooro' 025 "Ii. ';orth I Aoorox 0' 5 Mi 'ionhel51
Sales Pm:e S 1.-18000 S 1.~50.ooo S 1.841.800 I 1.850000
Pn:e/Gross LN' Area I 642.24 III S -462~ III '$ 652.66 III 'S 631 40 III
Data and/or lnspeetlon FARES,MLS FARES,MLS FARESMLS
Verrt'lcation Sources F.-\RES DOC#23 5370 I/MLS#04-079796 DOC#2098070. MLS#04-064308 DOC#2087 I 1I MLS#04-O'l 128
VAlUE NlJUS1MEr-.rTS DESCRIPTION DESCRIPTION I .I\'A~ DESCRIPTION 1'1"_ DESCRIPTION 1.:,,_
Sales or ~ Irarv::lng "I A i Conv."l\"o Cone Cony. ~o Cone. Can\' No Cone.
Concessions ooM: N/A OOM 24 ooM:35 ooM: 43
Date of SalerTlme In Escrow 109/1404 : 08,16/04 : 081304 :
LocatIO" Excellent Excellent Excellent Excellent
Le<lSerctlfee Srrre Fee Simole Fee Simple : Fee Slmole : Fee Simole
Site 0400 So. Ft. - 500 So Ft. : ~ 680 Sa Ft. : ~.040 SQ. Ft. :
VIew ~ei~borhood Nei~borhood '1eildlborhood ,;eildlborhood
DeSlqn and Appeal TradinonaL Av~. Traditional' Av~. : TraditionaliAv. : TraditionaL Av.
().Jaty 01 Co:tsm:b:>n Good Good : Good : Good :
Aqe 74Nl0E 78NlOE 71AilOE 1929NIOE
Condltlon Good Good : Excellent -100000 Good :
Above Grade 'cYl ' Bdrm5 ' ,- Taul ' Berm ' ,- : TcQl ' BdrYm '
""" :
~otai \ Barns I
'''''' :
Room Count 10C -: 4: 3.00 6: 3: 300 . -' 3: 450 ' 8: 4: 350 '
Gross LIVinG Area 2.675 SO.Ft 2345 So.Ft : 33000 2 822 Sa Ft : -15000 2.930 Sq Ft : ·26000
• Basement & Frmshed 'ione :'Jane ~one None
Rooms Below Grade 'lone None None ~one
· Functional Ublnv Averal!e Averal!e : Aver.~e : Averal!e :

:
· HeatlnoiCool'no
Enerqy Etr<<!!1t Items
GaraqelCarpert
FAU, Window AC
Typ. for elf. al!e
2 Det. Garage
FALJ Window AC :
Typ. for eff. alre
2 Det Garage :
FAUiCAC
Tvn. for eff. aile
2 Det Garage
·10.000 FAUCAC
Typ. for eff. a~e
2 Det Garage :
-10000
Porch, PatIO Declo:.. Patio. Porch Pano. Porch Patio. Porch Patto. Porch
Flreplace!s). elc I Fireolace I Fireplace I Fireolace 1 Fireplace
Fence Pool, etc. Fence.'1o PooL Soa Fence.No Pool/Spa: Fence No PooliSoa : Fence. PooLSpa : -"5 000
: :
Net Adj (tota~ Ixl. , I 'S 33000 I Ixl. '$ 125.000 I. LxJ . '$ 111000
Adjusted Sales Prt:e Gross: 1.9% Gross' 6.8% Gross: 6.0%
of Cornoarable Net: 1.9% S U83.000 Net: -6.8% S 1716.800 Net· -6.00", I I "39000
Comments on Sales Companson (including the subject propertys compat'b,llty to the ne"lhborhood, etc. ) See Attached Addendwn.
ITEM SUBJECT COMPARABLE NO 1 I COMPARABLE ~O 2 COMPARABLE NO.3

Date. Pnce and Data ~one w/in last None w. m last 36 months I None wlin last 36 months None w'm last 36 months
Sourr.e for onQf sales 36 months AP~ 4342-021-01 I AP:'-I: 4328-022-012 AP:-' 4328-031·026
W1th1l1 year 01 appraisal LP: $1.945000 LD: 0~ 0904 ILP: $1 949.500 LD 05 06 2004 LP: $1 850.000 LD 06,0),2004
AnalySIS of any current agreement 01 sale, optIOn, Of l'stil'1g of the subject property and analysIS of any ~ safes of SUbject and corrcarables W!tl1n one year or the date of apDratSat:
See Addendum
INDICATED VALUE BY SALES COMPARISON APPROACH S 1.-18.000

• INDICATED VALUE BY INCOME APPROACH II' AOD'<ab"i E't 'T'a:ed '-'a'\et ReC' I
ThiS appraisal IS made [;iJ 'as ,,' U
';A v'c x I~r~~<; l)er;' V~.~JO·'Pf
sLlbJ~t to the reoars. d~eraoons, rrspecoons Of wn01.JJns Ksted belCM'
.~
-j
~ s:..;o,ect te cornplellOn :>er plans and ~e('fir....a~.()r.S

~ " "
Cand""ns 01 Apora""l See attached IImltm. condttlOns (form 439). ThIS aporalSal is. complete sununarv aDoral sal ,eooro
Final ReconCihatlon' See Attached Addendwn
· The purpOs€ of it'IS appraisal, 's to estimate the marKet value of the real property lnat IS the Subject of thiS report. based C'r. the atcve corC1.Jons aM the ::.er.;ficatlJr, c:;rtIngent
'"""
ard Ilmrtrng condItions. and rna"ket value denn't1011 that are stated ~ H"€ att2d'1ed Freddie ~.Jc Form 439IFar11€' Mae ~QI'TT' 1;C'J~8 Re'J't5.ed 6 q3 i
• (WHICH IS ~ "~-~ '''-"~W;''''''

~EcnON ,"'-Of'~"TI-"""""~"'"
rn>DATE THIS REPORT) TO BE $ .J. ~ 18 000~ '""'~~" ',,"ohoc ,. " "
• APPRAISER:
S,onature
.
"/;(//1"
ECnVE
7/1
I 'A_
.... .
SUPERI/1SO~
S,qnature -~7(
~U'YfJ"
n8'd [XjD'd ~ot
Name \VJlliam RaM ~ame Pall'! E C~andler. 'vIAl (,../ ;~~P€et Pr:oerty
Date Reoo~ S·gned 1006 ZOO4 :Cate ReDor. S'oned 10062004
State Certlf,catlon , Stale State Cer-tdlcat,on , c:.tate
Or State llcerse 1 A1.025258 State CA Or State lice:1se I AGOO1801 State CA

F·PlX)p Mac F:J.r'T1 ~o &-93 PAGE 2 OF 2 ~al'Y'l@lr,be~3',"'CXW 593
594 / 745
~""..ud<lY'9AC.~e I!IOCl~&71;_l<JMl!tDtII
The Property Sciences Group, Inc.

Property ScieDces Group IDC.
~,A
s_ upplemental valuatton 5ect,on JRM RESIDENTIAL APPRAISAL REPO' ' . . . . " ..... 1 lV .... <Jj
ITEM SUBJECT COMPARABLE NO 4 i COMPARABLE NO 5 ..

CO~PARABLE NO 6
320 S. Peck Dr. 1215 S. ~aple Dr
Address Beverly HJlls BeverlY HJlls. CA 90212
P·o~m~y to SUbie<:! Approx. 060 '<ortheas!

I
,_
Sales Pcce S 1." 18.000 I t.595.000 S I S
f'rreiGross LN Area I 642.24 ill I 61064 ill I 000 ill S ill
Data and/or lnspectlOn FARES.MLS
VenflCatlOn Sources FARES DOC#728"43MLS#04-048634
VALUE .'DJdS"MEi'ITS DESCRIP,ION DESCRIPTION I ,."A~ OESCRIP'ION (.\s . . ~ DESCR'PT'O~ 'I '
Sales or FInanCIng NJA : Conv.. 'No Cone.
ConcesSIOns DOM: ~!A 'DOM.20 : I

I :
Date of Sale/' ,me In Escrow 03.2904 -'-95.000 I
LocaOOn hcellen! Excellent
Leaseld>""" Srrde Fee Slma!e Fee Sima!e :
Srte 6.400 So. Ft. 6050 So. F~. : :
View c.;eighbarhood 'ieuiliborhood
DeSlqn and Appeal TraditianaLAvg TradItionaL Avg. : : :
QJaIv ri Coosru:ID!1 Good Good : :
Aqe "4A IDE 74A JOE
CO~dltlOfl Good Good : :
: :
Above Grade
Roorrl Count
~c(aj
.. :
, [\0""",
4:
'
''''''300 TCJllj' Barns •
8: 4: ""'"
3.00 .
icul'
:
~
:
I
""'" /'U!'-i eo<",
i
Gross LlVIno Area 2.675 SO.Ft 2612 SoFt : 0 Sa.Ft : Soft.
• Basement & Fn5hed None None
Rooms Below Grade None None
Funwonal UtJlnv Avera'" Avera"" : :
• HeatlnaiCoohno FAU! Window AC FAU/CAC : -10000 : :
Enernv Elfoent Items Tvo. for eff a~e Tvo. for eff a~e
Garaoe/Caruar! 2 Det. Gal-a~e 2 Det. Garage : : :
Porch, PatIO. Ded, PatlO. Porch Patio. Porch
Freplacels)' etc 1 Fireplace I Fireplace
Fence, Pool. etc Fence.No Pool:Soa Fence, Pool:Soa : -75000 : :
: :
Net Ad '(otaO rxl. r l . '$ 10000 rxl • ,1 'S o Ixl. " I· 'S 0
Adjusted Sa", Prt:e Gruss: 11.3% Gross: 0.0% Gruss 0.0%
of Comparable Net: 06% S 1.605.000 Net: 0.0% S 0' Net 0.0% $ 0
Comments on Sales Companson (Includlf1g the subject propertys compattblhty to the netghborhood, etc. ) See Attached Addendum
ITEM SUBJECT COMPARABLE NO 4 COMPARABLE NO.5 COMPARABLE NO.6
Date. Price and Data ~one w/in last ~one w in last 36 months
Soun:e lor ~ sa"" 36 months APN: 433 1-014-004
WIth., year of 'DlX<lisal LP: SI 695.000 LD: 02/17'2004
Anarysls of any current agreement of sale. opuon. or ilstlng of the subject property and analysis of any ~sales of sut>tect and CO~lQbles 'Mthn one year of the date of appralSC3i
See Addendum
··
"""ocl.ul:l.n.t'CI ACI smnr~. !lOOlJ.4I1£7 _.w.retI Ctft
595 / 745
ADDE~l~
I Borrower. Samaan Flie :-<0
Pro~rty Address: 320 S. Po<k Dr. Case ~
City: Beverlv Hills State: CA ZiE. 902lc
Lender. Pacific Mortgage Consultants
Neighborhood MarXel Factors

The subject IS located In the CIty of Beverly Hills in Los Angeles County. This area is mainly comprised of
detached smgle family residences of sinular ages and architectural styles located on 6.000-- square foot lots. The
propertIes in the neighborhood are in generally good condluon with exce lIent market appeal and acceptance
The City of Beverly Hills is well known for ItS high values and excellent neighborhoods. The subject
neIghborhood is located in the southwesterb secuon of the CIty of Beverly Hills. Interstate lOis less than 2.50
miles south of the subject. Overall, the area has generally good access to schools. shopping, and all supporung
services. Emplo~ment IS available in the Beverly Hills area, Los Angeles County and regionally; typIcal
commutes range from 15 to 60 minutes. CommercIal land uses tend to be located along major throughway and
are for support facilities; there IS no adverse Impact on the subject's marketability or market value.
Zoning classification and description

The subject IS zoned Rl or single family reSIdential Minimum site size is 6.100 square feet. Minimum yard
setbacks IS 20 feet for front yard and 5 feet for rear yard. The subject property is conforming to the current
zoning code for residenllal area.
Site Comments
There were no apparent adverse easements. encroachments or other adverse conditions noted at the time of the
Inspeclion. The subject IS considered to be a legal conforming use and the subject'S current use as a single
family reSIdence is its highest and best use.
The subject is located In a FE\1A Special Flood Hazard Zone X. This area is defined as areas determined to be
outSIde the 500-year floodplam and also determined to be outside the 1% and 0.2% annual chance floodplams. Please refer
to local authority for definiuve information.
Additional Features
The subject is a detached good quality wood frame dwelling with features, amenities and energy efficient items
typical of its age and construction quality. Additional features and ameruties include: Hardwood flooring
throughout the subject; walls are taped, textured and painted drywall; a stone fireplace located in the living
room; hardwood flooring and marble countertop in the kitchen with apphances: built-in stove:oven. fanhood,
dishwasher, and disposal; the baths included tub showers with tile wainscot, sinks and toilets; master bath
includes marble counters Wlth a seperate shower and a tub. The subject has a central heating system and
window cooling systems. There is a detached two-car garage accessed through a drive-way off of Peck Drive. A
carport also exists on the southern portion of the subject. Exterior improvement include: Front and rear
landscaped, block/wood wall penmeter fencing, and concrete patio.
Adverse Environmental Conditions

See "Additional Comments" for assumptions with regard to adverse environmental conditions. As the subject
was constructed before 1978. asbestos or lead pamt may be an issue. Weare not expert in the envIronmental
field, we advised that an expert be consulted in the environmental field. No other adverse environmental
conditions were observed at the time of inspection.
Comments on Sales Comparison

Three Year Sales and Listing History ofthe Subject and the Comparables:
The subject currently in escrow in the amount ofS 1.718.000. Its prelIminary report was reviewed and was
determined that the subject has not been sold within the last 36 months. The subject and the comparables have
no other transfer or lIsting within the last 36 months other than those listed on the grid.
Appraisal Parameters and Jfethods:

A SIX month market search was conducted within the subject's neighborhood and similar compeung
nelghborhood(s) for comparable sales. pendmg sales and properties currently listed for sale. \lany properlJes
were reviewed. To the best of the appraiser's knowledge, the comparables presented and utilized in thiS report
represent the most relevant data appropnate for the analysis and valuation of the subject property. The
comparable sectIOn and valuation analysis is governed by the pnnciple of substitution: a buyer will not pay more
for one property than for another that is equally desirable. When deternunable, adjustments for significant
differences m Improvements were derived by matched paired analySIS or abstraction. \!,Then matched pair
analySIS or abstraction were not possible or practical, bracketing and/or the appraiser's knowledge and
experience in the market area are utilized in determining the appropnate adjustment for differences Comparable
sales were confirmed closed per the mformatIon data sources cited m the "Scope of the AppraIsal." In the case of
dIscrepancies among data sources the appraisers placed more weight on 1vfLS data for descriptive mformation
and FARES or Public Record for recordmg data. The comments below are explanations regarding the analySIS
Addenowr. Page 1 {jf 4
596 / 745
ADDE~'Dl~
B<Jrrower Samaan File'SC'
Pro~ Address: 320 S Peck Dr Case~
CitY: Bevertv H1J Is State CA Z!'p' 90212
Lender PacIfic Mortgage Consultants
and adjustments in the market gnd of the URAR fonn.
Ad;ustment Factors
SALES A~D FDiAl\CI:'iG: ~o financing adjustments were required as all sales were wIth conventional
financIng, or the equIvalent. wlth rates and terms typical of the prevailmg market. There were no reported
buydowns or other financIng concessions that would have had an impact on market value.
DATE OF SALE Comparables 1, 2. and 3 were recent sales, having closed within the last two months.
Comparable 4, however, closed m 'vlarch 29. 2004. Since the closing date of comparable 4. the market in the
subject's neighborhood has increased. Therefore, a I% adjustment was made for each month since the clOSIng
date of comparbable 4. All date of sales are close of escrow dates, unless otherwise noted
LOCATION: All the comparables were located within the subject's neighborhood or in nearby, similar. and
competIng neighborhoods.
SITE: No adjustment was warranted for slight differences in lot size as the market does not recognize the
additional utihty.
VrEW: The subject and the comparables deemed to have similar views.
DESIGN AND APPEAL: The subject and the comparables were considered to have similar deSIgn and appeal
charactenstics: no adjustment was indicated.
QUALITY OF CONSTRUCTION: All of the comparables were average quality wood-frame dwellings similar
to the subject.
AGE: All comparables had smular effective ages to the subject.
COl'.TIITION: An adjustment on comparable was indicated due to It being totally remodeled. The subject and
all other comparables were deemed to be in SImilar conditions.
GROSS LIVING AREA: Differences in gross living area greater than 100 square feet, relative to the subject.
were adjusted at $100 per square foot, rounded the the nearest $1,000. Differences in room count, bedrooms,
and bathrooms were factored into the gross living area adjustment
BASEMENT A~ FINISHED ROOMS: Neither the subject nor the comparables had a subterranean basement
or fimshed rooms below grade; no adjustment was indicated.
FUNCTIONAL UTILITY: No adjustment was indicated as the subject and the comparables were considered to
have comparable functional utility.
HEATING/COOLING: No adjustment was indicated for heating systems as the subject and the comparables
were considered to have comparable heatmg systems. The subject has a wall air conditIOning unll. However,
comparables 2.3 and 4 had central air conditioning units which were given a $ J 0,000 downward adjustment.
E~TRGY EFFICIENT ITE\1S: The subject had SImilar heating system as the comparables. The subject has
window aIr condltlOnIng units in the bedrooms. Comparables with central air systems were gIVen $10.000
downward adjustment for they supenor appeal and desirability.
Gf\RAGE CARPORT: The comparables and subject have a SImilar number of garage spaces.
PORCH, PATIO, DECK. FIREPLACE(S J, ETC: The subject and the comparables were conSidered to have
SImilar amenitIes such as patIO, porch, and fireplace.
POOL: A pool adjustment of $75,000 was given to comparable's 3 and 4.
Reconciliation ofthe Sales Comparison Approach

The adjusted sales prices ranged from S1.605.000 to S 1.783,000. The transactions were timely. and p~oXlmate to
the subject. ill our analYSIS. we have placed equal weIght on all comparables. Therefore, lt \\as our opInIOn that
an estImate of value for the subject of $1.718,000 was reasonable by the Sales Comparison Approach.
Addendum Page 2 of 4
597 / 745
ADDENDL~
Borrower Samaan. FtleNo
Pro~rtv Address: 3:0 S. Peck [), Case ,
CI.!:t. Beverlv Hills St3le: CA ZiE.: 90:12
Lender: Pacific Mortgage Consultants
PREDOMINA~ VALLT The subject's value is conSIStent with the predominant values m the neighborhood.
MAL YSIS OF CLTRRE~'T AGREEMENT: The subject was listed on August 8, 2004 m the amount of
$1,695,000. The subject was on the market for 52 days and is currently m escrow for $1,718,000. ~o personal
property 1S included in the transactIOn. The purchase agreement was reVlewed and there were no concessIOns for
non-recurring closmg costs or personal property noted.
Final Reconciliation
The Sales Comparison Approach was given the most weight in determining the final value estimate. as it best
represents the actIOns of typIcal buyers and sellers m the market. The Cost Approach IS gwen less emphasis due
to the subject's age and location in a fully developed locale. The Income Approach was considered, but is not
conSIdered appltcable because smgle family reSIdences within the subject's market area are typIcally purchased
by Ov.l1er. users and not for mcome generation.
Additional Information
PERSONAL PROPERTY: Personal property includes such items as furnishings, artwork, antiques, machmery
and equipment. :--10 personal property was mcluded in the valuation of the subject property.
FEMA FLOOD DA TA: ReadersiUsers of this appraisal must note that the FEMA flood hazard information noted
herein (in regards to the subject) can not be guaranteed by the appraisers. The appraisers are not qualified
experts m the determmation of flood hazards and make no representation as to the FEMA flood zones or the
necessity of flood insurance for the subject. The reader/user is advised to obtain a separate independent Flood
Certification for the subject, if so demed. The appraisers have not examined the FIRM maps as published by
FEMA, unless otherwise noted or mcluded herein as an exhibit. Flood information noted in this appraisal was
obtamed from FARES services.
ZONBIG DATA: Zoning informanon was denved from FARES or other sources deemed reliable. However the
accuracy of the data can not be guaranteed.
STRUCTL'RALIMECHANICAL DEFECTS: Unless specifically noted, this appraisal is based on the special
assumption that the subject does not have any strucrural or mechamcal defects. It is assumed that all mechanical
equipment and appliances are in satisfactory working condition, unless otherwise noted, and that the
electricalJplumbing systems are also adequate, unless otherwise noted. The appraisers are not experts in these
areas Inot ltcensed or qualified home inspectors) and have not tested the subject to ensure that all of the above is
in working condition. The pest control report (or termite report) and home inspection report if any, were not
provided to the appraisers. Lastly, this appraisal is based on the special assumption that the roof and foundation
systems are adequate. But again. the appraisers are not experts in these fields and have not tested the subject in
these regards.
ADVERSE ENVIRONMENTAL CONDITIONS: There were no obvious environmental hazards present in the
improvements, on the site. or in the vicinity of the subject property that were noted at the time of inspectJon.
The value estimated m this report IS based on the assumptIOn that the property is not negatively affected by the
presence of hazardous substances or detrimental environmental conditions. The appraIsers are not experts in the
Identification of hazardous substances or detrimental environmental conditions. It is possible that tests and
inspections made by a qualified hazardous substances and enVlronmental expert would reveal the existence of
hazardous materials and envIronmental conditions on or around the subject property that would negatlvely affect
ItS value.
COMPETENCY ST ATE:VIE~l : The appraisers and The Property Sciences Group Inc., have
analyzedJappralsed the subject's property type before. The appraisers and The Property Sciences Group Inc.
possess the necessary knowledge and experience to complete this report in con formitv \\ lth the competency
proviSIOn of L'SPAP. The appraiser signmg on the right, supervised the appraIsal process, has made a thorough
revIew of the work file mcluding the finished report, has recommended changes where appropriate, and concurs
with the analyses and value conclUSIOns stated herem. The appraisers and The Property SCiences Group Inc.
accept full and complete responsibiltty for the appraisal report,
PURPOSE OF THE REPORT (SCOPE OF REPORT): The purpose of thIS report IS to estlrnate the market
value of the subject property
FLi\CTIO~ (I:\TENDED CSE) OF REPORT The function of this report is for fmancing-lending purposes
This appraisal report is mtended for use in a mortgage finance transaction only. ThIS report is not intended for
Adde:1durr. Page J of 4
598 / 745
ADDE:'ll>Df
Borrower Sama.an File Nt
Pro~ Address: 320 S. Peel< Dr Case ~,
City Beverly Hill, Stat.: CA Z!I! Q0212

L<Ilder Pacific \iortgage Consultants
any other use or uses and shall be mvalid if used for any other function. Furthermore. this report may only be
used by the noted clIent, as mdicated on the top of the appraisal form. Tlus report may not be gIVen to and may
not be utilized by any third party. The appraisers and appraisal firm will have no oblIgation to reissue tlus report
to any other party.
REAL PROPERTY IN'TEREST DEFINED: A Fee Simple interest is defined as "Absolute ownershIp
unencumbered by any other interest or estate, subject only to the limitations imposed by the governmental
powers of taxation, errunent domain, police power. and escheat." [The Dictionary of Real Estate Appraisal. 3rd
Ed.]
DIGITAL SIG:-JATCRES: Tlus report may contain digitally-reproduced signatures, which are approved by
F:-JMA,GN~A, FHA, and HUn. The ACI appraisal software program allows an appraiser to attach a
diglt.ally-reproduced signature by entering a secret password known only to the signing appraiser. Furthermore,
after the report 1S digitally signed. it is locked and cannot be altered by anyone but the signing appraisers. The
appraisers and The Property Sciences Group, Inc. accept full responsibility for thiS appraisal report.
DIGITAL PHOTOGRAPHS: This report may contain digitally-reproduced photographs, which are approved by
FNJv1A, Gl\'MA,FHA, and HlJD. The photos have not been altered or enhanced in anyway that would
misrepresent the property or mislead the intended user of this report. The appraisers and The Property Sciences
Group Inc. accept full responsibility for this appraisal report.
ASSISTANCE IN PREPARATION OF REPORT: Christopher Chen provided profeSSIOnal assistance in the

preparation of this report. His duties included: market research, data analysis. assisting in property inspection,
photo taking of subject and comparable properties. and report writIng. The Property SCiences Group Inc. accepts
full and complete responsibility for the appraisal.
Addencl'J.l!:. Page 4 of 4
599 / 745
FLOORPLAN I
Borrower. Sarnaan Fl;e.W.. 116748i
?ropertY Address 320 S Peck Dr Case ~o ~A
City Beverlv Hills Stale. CA Zip' 90212
; er.Jec ?actfic \lor!l!a~e Consultants
, :
,
,
,
I
0
2 Car Garage 0
N
\
First Floor lBC'
I
19.0' I
0 !
<"'i
0
35.0' 16.0'
5.0' '" I
Bedroom
Breakfast I
L'Room Kitcnen Master I
Nook Batt>
0 Full
...;
0 Batll 01--
I <XI
N
'" <XI
Bedroom Dining Room
N
Stal~
Stairs Bedroom Master Balcony
Full
Bedroom
Batt>
'cti" Entry
'" 120' 40,0'
\I " i
living Room
FIP
'" Second Floor
'"
N
16.0'
I
I
Sketch by Apex IV Windows I"
AREA CALCULATIONS SUMMARY LIVING AREA BREAKDOWN I

Cod. Description Size Totals Brelkdown Subtotals
!
GLAl Yir_t Floor 1426.00 14:26.00 Fir.t Floor
GLAl Second Ploor U:U.OO UU.OO 0.5 x •. a x 7,0 14.00 !
OM Garaq. 360.00 360.00 19.0 x 28.0 532.00

~6 .0 x 55.0 880 00
Sacond Floor I
24.0 x 31.0 744.00
16 a x le.O 441.00
3, a x 19.0 57.00
I
i
!
,
I TOTAL LIVABLE Irourded) 2675 6 Areas Total (rounded) 2675

I
I
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I
Property=='~
Sciences 75
I
,,I
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I I
123 S, Figueroa St., Ste 230, Los Angeles, CA 90012 TEL 213-830-0330.FA.\ 213-680-2368
600 / 745
PLAT MAP
r Borrower: S~ F;le .'v \ 167481
Propertv Andres.s. 320 S. Pe<:k Dr. Case :\0 NA
Clty' Be ....erly ttlJlS State: CA ZI£: 90212
:"nder Pacific ~lortga2e Consultants
"'f~14J'2lt..O,24..."'23 !
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(
.~ TRACT NO. 7m
IrL I. N-M-n
Property, -
Sciences~
123 S. Figueroa St, Ste 230, Los Angeles, CA 90012 T'"

. __ 213-830-0330/1'AX 213-680-2368
601 / 745
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MAY!25/20C~/FRI : I:01 AM ?OC ITIES MORTGAGE •~AX \'0' . 81~-
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1 DECLARATION OF ALFRED CANINO

2 I, Alfred Canino, state and declare as follows:
4 1. I am. a Senior Loan Officer at Metrocities Mortgage, one of the largest

5 independent mortgage banking ftrms in the United States.
6
7 2. Attached hereto as Exhibit B is a true and correct copy of the Home
8 Loan Pre-Approvallctter issued by Metrocities Mortgage to Ms. Nivie Sam88D, indicating
9 that she is pre-approved for a loan to purchase 320 S. Peck Drive, Beverly Hills,
10 California.
11
121I I declare under penalty of perjury under the laws of the State of California
13 II that the foregoing is true and correct.
14
15 Executed on May ~ 2007 at .M~Q~talifOmia.
16
17
18
19
20
21
22
23
24
25
26
27
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W02-VlESTJMIv{K!\400111151.1
-1
DECLARATION OF ALFRED CANINO
604 / 745
DECLARATION OF GAIL HERSHO\VITZ
'I
L (Jail llershowitz. declart: as follows:
"
.)
~I l. I am an Escro\v Officer. During September. October and November

5 Ii 2l)O~. I worked \\ith \:fara Escrow and \\as the Escrm\' Agent for the transaction involving
6 II the purchase by Nivie Samaan from Joseph Zernik of the property located at 320 S. Peck
711 Drive. Bevnly Hills, California 90212 (Escrow Number 1-34S00-GH). 1 have personal
8 II knowledge of facts set forth in this declaration, and if called as a witness could and would
9 II testify competently thereto.
10
')
1I After escrow opened, on September 22, 2004. \:1r. Lihow deposited a
12 II Purchase Agreement and Joint Escrow Instructions into escrow. This document \vas fully
13 II signed and initialed by Ms. Samaan. Mr. Zemik. however. had not initialed every page of
14 II the Purchase Agreement and Joint Escro\v Instructions and had not signed page 8 of 8.
15 II Sec Exhibit "A."
16
17 3. On October 22,2004, I was contacted by Ms. Samaan's loan broker

18 II Victor Parks who asked that I send him a copy of the Purchase Agreement and Joint
19 II Escrow Instructions in escrow. In response to this request, I sent to him by facsimile the
20 II copy of the Purchase Agreement and Joint Escrow Instructions in escrow. This document
21 Ii is not initialed on every page by Mr. Zernik and is not signed by him on page 8 of 8
I
22
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------_.---=-~
'.\I·I~-\\L"'T l.\j\n~l J")IU11.)~'~':: 1 [)]-.CL\IZA TIU~ Uf GAil. JIlRSI1U\\ITZ
605 / 745
because as of October 22. 2004. Mr. Zernik had not yet provided escrow \vith a fully
'1 II executed Purchase Agreement and Joint Escrow Instructions. See Exhibit "A."
3
4 I declare under penalty of perjury of the laws of the State of California that
6 II
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5 II the foregoing is true and correct and that this Declaration is executed on June
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606 / 745
:'-''''~~.I ~ .1- .
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•
ESCROW Plf.>E 61
~0/=2j20~4 15:42 31CS587531
I~IJ-~__ 9401 Wilshire Blvd., Svite 515

/ II Bev"l'ly Hills, CA 90212'2918
I .'/1/
UL
.-\ ~lA CO,.;"OR'IJ1ON
1elephoM (3101 550-7400
FAX (310) 550-7531
FAX TRANSMITIAL
DATE: October 21, 2004 TIM:E: 3:.53 PM
TO:
ATTN: Jason
FAX NO: 92..~892-7966
YOUR REF: Samaan

PROM Gail Hen;bowitz, Escrow omcerlManagerfV.P.
RJ;:; Escrow No: 1-34500-GH

Property: 320 S. Peck Drive
Beverly Hllls, CA 90212
TOTAL !'''{Th1.BER OF PAGES: (lNCLUD/J'/G 'I'HlS }>AGE)
SUBJECT:
Purchase Contract
IMPORTANT NOTE: Should .any of t~ papen require llQ ORlGINAL SIGNATURE, Please l.ak.e a XEROX COPY
BEFORE SIGN.l:NG. We will not accept Original Signature an FAX paper.
aD
Thank you lor your cooperation in this matter,
7HIS MESSAGE IS INTENDED CNLY FOR TEE USE OF' TEE INDIVIDwu, OR ENIITI TO WHICH IT IS
ADDRESSED, AND MAY CONTAIN INFORMATION THAT IS PRrvILEGED OR CONFIDE:N"I'IAL, IF T":iE READER
OF 1"',,15 MESSAGE IS NO, TID> INTENDED RECIPIENT, OR TEE EMPLOYEE OR AGENT RESroNSIBLE FOR
::ELIVERING TIlE MESSAGE TO THE IN':'E11DED RECIPIDrr YOU ARE aEREBY NOTIFIll:D THAT ANY
DISSE1':IN:ATrON, DISTR!BUT1QN OR COPYING OF THIS CO~ItJNlCATl:::N IS S:-RICTLY PROHIBITEO. IF
yo:; KA'>1E P.EA:l TIllS COMIlfUNlCATION !N EPJ<OR, PLElISE NO':'IFY US :::MMED!ATELY BY TKLEPHOl1E AND
P.EnrRN :-HE OR:G:NAL MESSAGE: TO US AT TIm AEOVE AZlDRESS VIA TEE U. S . POSTAl. SERVICE.
607 / 745
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~lI'ly ~ ort,,. .. Dltyltr'f\lt ~Mr to eorn~.e,;,tIO"O'~oprDhci).~ O ~ 1I\0000/~:I. If".., ... " ~~, Otter. ~'... ~~
Of ~e' eh, tHt:;;lr to !5oU'tor" .JICC"P'I'MCO.rv:t ec-~Ibon 0,># JU,X;.l)ptA.na::-o' nia ~'lItf'Ottrr. ~I revl>ke ""IS COvfJlDf' 000\. 1. .••.•
3. ~lAAnoN- I~.".. I'CCe'DtMCt' t)f tP')tJ Cot.,r,.,..,

01'1... 'f. ~ d by rn.. ftuyJItr Of ~fttlN tr .-f't('t'" 01 ill ~f)f\'. "."a COlfttT\4lntltttt)1"l Or ~flW"('",
11'1 ~" . . tv . e~llitnn,,,:g '~~i1'Y. .,.h~ i:. p(r:,.oJ'tl\lIy 1(\',)~i'C!. \0 ,no. ~o~ fl"'IIU''''O "" ...~ Ctl>UntM' 0",:,1' or
.n _ ~\~~....... ~~ . -., ·.·.0-,000 p", On 1IW ....~ ~."..,. ,)Tic< ".,.. COu...., 01'<1'"
.... ~~n ~Cf, ir Cf'VtC'fcc. ~ QlI':O. ' : - - .- WN ~~-:~ i a COUf'lW' oPt.,. .,,_. t:.!o ~
~It(,! "Mal 1-..e1 o.,~.., "'''WlI b." rtwtvrn...d to tJy'l'. J COW'l'tVT ~eT mow 'bo ~~O ,,., ~tpJlrJ"t&" - .. ,
4, c.....~~".) .. U~TI~U: C OlJN"~'A O"t". :iNl'rf ill t:"lol'"lr'lg n CO'Uf~IU' O".r'\J!I) 10 .. ,..r,t!"'Of~,.,.o "'uYO't~) 0'" lOITT""t: 0'0' lI'\,Qy Or ' .. ~ •
1T\AY nor e", (flO ~Ttlf AI. I~ " ' . , COVf9hlf on.. ~ ~op(Mnco ol..1he c.o",~r Ottor by 8u~" .hai n« De CllncJi,.,g ~'-"" .,,, u ' " k ., "
~auenU)' ro-S~..a ~ S~r I,. paruor4Dh r tlCIO"JW ~d ~rnrnurm:"'liDn ~ ~""'~ •.IIt ~"''"''noe II:!'- J'l"\aOO Df dokYoAng .. S~ Copt.
rfll n"fftCr'l. by 'Ntli Of I)y tIlC""""~" IiWlIt:f'\ 1)1 ~'~Of'l.alY flN:IW'fOCl. to 8VVQI or,o ~"\ ~ ~ ~ a J ,.,ioI.to .
U')G GOn\pltlol.OO 0' ,.'V:I or fr'l....c.u 'IN",nt~. ~,o( ;.,rrd S"'I~ ~"«IJf t)ctwv i'lO (Jvtl~ Of ~tlnu.na I\)r u. ....,.~ Vf ~ .. vi ..... ""4U1oJ'1,ay.
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r_11l C«> ?/----:. ObO~·~-;n,:;:;;';~cif<-3"~~CTTO THl'i A~~£ (OUI'lT1ORo,.,.en) ""'" ~_odge
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!'IIOYI: TO 'S:E...L.L..eR; :>0 ."'OT -19" In m,. 0._ ""'In .""r-'9
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p.."a.:.I~ ) ~(){. J :1'\1' ' M",l\oUl\t ~ <:::Y'f\lr. n',,) \1rntr 01 Q\.IV'II'I'""' Pn.Jtl"lOrU"rO ~t"Ji 10 $tt¢SlqQ tn Pl1T:l.gr',P'\ .. ~ ~j~ f"OCO'IfJt cl N
S~ \.:~y (':0' ~ C04l~tef ~"t.,. c,n __ .~ ;da_), .. r . __ hWr-M,.
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~~~;...~~,::~:~~,~ ":;"'::; ~I:~ . .l-..\: ~:-;:;~;;;:~ ..,:: Z't~~~~~~'~~~~ ~'J ~~~ ... or ~-ono-" ..... -..-_w ~--- ~ ~,. ~ .....,
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& • lo,.~ $"I~ Y"t)f .... ~ft L fit. """"'0_, ~ ..... ""'"" ~ ~ I::1n:::i'O( or l.)Qo;1ONkt D;o<o
00-\ 1 (P,.,C£ '1 Of!',) Pl'1n,~.. i30e ttoo.o 01

J,<.a.:;TeFl CO,",V
COU~R OF"F'£R ('Co-" PAGE 1 OF 1)
?
I
609 / 745
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18!22'2a8J 15:G2 31B558753: r-';:'RA ESCRQ\4 ~ :",;,1C fl·)

v"'~c".::~C 8" ' . 310 271 48~;
• SEP·22-04 3:49PM: PAGE 2
CAUFORNIA .
~_~ <: .\ I ; r iJ 1< " 1.\ RESIDENTIAL PURCHASE AGREEMENT
~ ~ A ~ t,; () \. l" i I c,l' AND JOINT ESCROW INSTRUCTIONS
~~ () f it r.... 1.1 lJ ~" F~r U. . W,t11 Slngl" F<>mlly Rnl<lll!Tlia1 Property -
(C.A.Ft. "orm m'A-CA. Rev~ 'OIO~)
~Ilxhed or O<rt:!ch&d
s,ver Jy Hi.1!., _ _ _ _ _ _ _ , CBI/QfTl11l.,

Dote ~..-pe-o....~ Z . ~ ~._----
1. OFFER:
.... THIS IS "N OF "Ell. FROtIl IIi "'~B S ~ f'B"Y.....)
B THERUoLPROPERTYTOBE.ACQUIRED<soHcnoed •• 320 S. E ..",,, pr1... e, _ r l v ff.iZls, a .oC2~.2
_ _ _ .___ .~ ,A<"".. or,.ParoeINa. 1326-021-023 yju~e<lrn
_ ~ Xi l16 . County of Loll ~..,,< ._ . ;:;"!ilom,,, :"P'OpeItyJ.
C. T';E PURCHASE PRiCE c1'fer~ I'io Qrl" Mi;" en SiJc fl"nndr<>d S...~.,ty ="Und
. __ . • ~ $ L..§2~ _ _. _
D. CLOSE OF E..SCROW sr.;;.1 occ~r on Octol?-.r +5 2004 (date) (or r DOlY$ ~f AcceDtlncP). 0
2. "lNANCE TERMS: C'b,oming I"" lOao, ~Iow tSo ; conting.ncy Of In.. -"9",emenl unJass: (I) ,,~r 2/\ or ZL " ci1QCl(.O bolow' or (I') (){/)eIW'5e
"9 reed ,n wrll"", 8UY"" ,oail act dllg.nl'y anO '" good f:Uh 1C oetain!lle deslilM'tKlloal'£. Ootaintng cl<>poort. down oayment.nd do",Pg com hi nr;>t
.. contin~ncy. 3"y.r reD~ITt>; tl1~! fJMs Wlft t>e good Wh@-n depo.1Ied wltll i;serow Ho~l.
... INITIAL OE?OSI'T: Buyer has g,,,,,,n a deeosi<.o me .mount of $ 10,000. ac
1:> 1"" ~9"r., ,cb",,,,,n~ Il'e o!!1!r 1.0<' '" LJ ,. by o"""m,", ct>e-cl<
(or G. _ I =<Ie pay.Ole 10 -------------------cc----

1IJh~' sna:l bM hQld u."'lca~h!'d UT\1if ACO!Dt.n~ l'ncf then oepo~ed ""!ttlin 3 b~ess d~y$ ~futr A!;CQpanca
101' :J __ I. wittl
Es.b'o'lN Hokjllr. (or 0

mto Btol(~""s tl"\.N 1Ic.c..avn).
e. INCREJl.~Ea OEPOSr", Buyer ...., <le?osrt ""In Eserow Helder an i"cre... ~d <Oep"';t in the
witnin O"ys Af\ar Ao:8p!:1on:::e. or D ----
3<nQ1.ln'
_
<rf ,--------
C FIRST LOAN IN THE AMOUN'T OF ,$ 1.336,000,00
(11 NEW F~ ~eo of Trwl on ",or of ,eFlCel. eneurnbe ring Ihe Prop.<ty....eu n !"9" note ~aoJe at tnal<imu'"
mhr"'ol of !i SOO % fix"" ,,"Ie. <>r 5 ROO % ini,;,\ adjlJiOl.ble noU! lO'iltl • mller11U"n inte1'est rorte
01 --.2.~ "'" balance due i~ jQ ye~ :>1T1OI'.tled OYr< 30 ye.~ Buyer .MII
pay \o;n r","lpoln15 not'o e,~od . (The.. tetms applywtJatn"rtt\e de.ign~""d 1-.
is. con,,~ntlOnal. F.>-tA Or VA)
(2) 0 ~HA LJ VA ;;'he loollowing terms only apply to tna

FHA III VA K>lIn that IS ~ed,)
~IIE'<' Sh.1 oay % OI$COun! po,",". Seller 5hllli ~y otll.r lee. not all~ U> t>e ~d by Buyer,
iJ no' to ex",,"" 5 Son.. r!OM1l P'lY t~ coo.! r:I' lend.r ",q'-""'<llU~ir:s (indudlng
tho"" lor WVOC ollSll"Oy>ng pe<;l) I'lOl otherw~ prO\lKl..cl lor in th.. A~'rNnt, not '" exc:Hd
D
S _ _-_. IAa~allo.n lImO\l,;j rrrTY nouu if motlg;~ 't\SUtlIllOe premlUfTl$. f\lrlllillll
re...
or ~ing oos!ll are financed.}
.~ 167,000.00
P A[lOITJONA\. FINANCING TERMS, CJ ~I",r f,nancing,(C.A.R. Form SFA): ~ry fnancmg.
W
(CA.R. r'r:J(1'Tl-,'~ o-aral/fap/'l4Al: 0 =~ 6rtanong (CAR. Form PM. pafl'9raPh 461
---_ .. _ - ~-~-----'----------------
E. BALA~URCMAISE PRIC£ (nOllnr:ludlng COI<1a of otrIalnng """,,s ".-.:l ot1\M doslO{j a>s~) in H'e .mount 01' . S .137, 000, 00
to be dapoo.:re<l Wft:1 Escrow "'c"'.... within .lIffic1onl b~ to clOM •• erow
~ PURCHASE PRICE (TOTAL.): .. .. . .. .. " , . S )., 670.000,00
G' L.OAN APPL.!CATION3: Wllhln 7 (or Q ) Oays ",nat At.ccpUn~, Buy'" "'QIJ prtWldQ Soll..r .. IAltar from ~.cl8r 0' morlQJlljolClan
_ &tilling 1T\;\. basea on a review or BUyer'S millen app'catlon &rJ(j c;re<lt rej>M, &yer IS pr..,quaritllod Of pretIPPrtWed lor lhe NEW Io-n
,~;"'2CabCN.
H. VERIFICATION OF DO'I'I'N PAYMENT AIft) CLOSING COSTS: Buyer (or 8uyer's I<:nder or loan brolUlr pur.uan! 10 2GI sllall. will\ln
T (0.- 0 I Day. Mer "="""0«. p<o-ride Seller written ve<i~on Of &rye,'. (loor.rn payrn.. nt and ~O C05I$.
~OI\.H CO/lTlNGENCY REAlOYIIl.: III Wrtnin 11 (or 0 ) Dlrys Mer Ao::e~nc:e, Suyer shan. IS "PeClfied .. 1>1'agt:lpt114, ~
the lOan con~n9"ncy '" ancel ltns A9rOtf'l'lCl\l OR Iii) (if cllod<llO') 0 tnt loan e<>nl1O\lenl;Y sholl 'emat1 in ~ uml the desillnJU:od bans .'"
funded,
J. APPAAIS"L CONTINGENCY A~D REMOvAL" Th'1$ Agteflm8t1l ~ (~l( o-JtCl<e<l, 0 b NOn
contlnllent lIl'<'n the Propalt)' ;pp~ at r>o
1e.I.n.n rtl> .""",fled P\Jl'ctl<lIStO price. If IN,. lo~n c<>ntIl1gancy, iIII the limo lhe lean conlingency IS removed (or. ItdlllCUd. C3l wiU1il> 17 for
'l\
Cl __ - ) DlIY' Aller AlXlIptsnce/. Buyer .n ll$ spKiIled pahlgTlph 14B(:l~ ~ tl\Q "W1ll;...,1 oonl,,1O""oy or eanoet [hJs AQrermonl.
~ the<'e" no lo;;n cnnlingt011tY. BlIYl" ••-'B, .. ,.peclM<lln paragraph 14B(3). "'''''''''' rt-e ;pprI1s<I1 comingenq "";lhin 17 Co< I DI'Y'
AI\lI< ",,=pt.nC".
K. 0 NO LOAN CONTINGENCY (II ~). OOtlIf\log any \0;1. f) plragmen, 2C, 2D or el_~~ in Ihis A9~'li "NO'T • contingency otthis
Asfternem. If !luI"" does not ob"'in the loon ..nd u • _,,~ 6vyer does not purch_ ~ Pnoper1y. s..1~r may be 0Nil~ to euy..-'. aep~a a
ether ~g.r rll'1"ltldle$
L. 0 "u. CASH OFFER {II chedlcdl: No loan .. ~ to purena"" m" Property. 8,,1<'( iliaD. "",min? 1<>< 0 I Oay. A'-r AOC8~.
pfOVKk! se'llff wrrtten \,t~nr~lion ot svffioe'l"lt. +Un(l~ '0 ctose this tr~nsaetlQn.
3. CLOSING "'1'10 OCCl1F'~"'C'Y:
A. Bvyer ,""'rldS lor C doe, n9< ''lll>nd) to OoClJP~ r~ PIl:lpet1y "' auy9~ prrnary -iden=.
B s..ne--ocevpied or v;C'lnt plope~: Occupancy 9~11 be del;vD_110 Buyer 11 1Q IJl AM 0 PM. 0 on lJ'\c <:lat. of CIO>e Ot Escrow:
:J on .0' [J no I,ter t'lan _ Day.s liner C,C!e Of E5CJ'CJO<. (C ...... R.. Form P ~ h 2.) If b'.nll/e, a1 ti1JIo an<l
OCClJp;lncy do not O~u'.:11 ,,,., ....",., 'ome. Buyer aM Seli"r ... ad~ to: (I) en"', \ol'ft-te1l oo.;;upaney ""0.
BAd (il] conwtt 'Mth lhOv
,,,,,uranee .nd ~9BI ..dYl!W<'1
,.. .. ~l.MrJd,... VI'l.'\t.,~:H"'" 'jE>. C~I~U"lf ...--.:ourncrn.d
I"tt:'''t'''. UC1>On oJ __ f.:Ji(r, 0'
.....,,11". ~ I.X.;;IT'~
"1\
Xl'Mtr ~ Dr ~ ,.,.~.~ Q" W)Or ( ' I l " "
'" ::mOUlO"'lte-=:' k;r<"lN C~i'ru;/"'II r
=-.J.dtL'f1~~ ... "-t-()C&J':I0~ Ol=" "1i,AL TC~· ~ Il.l.l AfGo-l,. F;'-!'l~I:IYEO.
BlfY"r's IMr<ll~ (
'~01..}oa:;

(
r;::
.
~~8d 0.,
~
~)er's jf1lte~ (
D:ltll
) (
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)
~=-
=
RPA-CA REVlSEJ 101n (PAGE' Of' 81
: A~t: lOIvte Sa"".,n
I g,ej(Q~ G,dlfl'f3n!. Cn'fin Realtors
CALIFORNIA "gSIDENTIAL. PIJRCHASE AGR<q.'Q!I fRPA-CA PAGE 1
Phone: "'1014781835
1J33 Weqtwooo BlVd.
~ . . : tJ10~
Lacs. An!if&Hrs CA, 9002'
OJ: 81
P.-..par"" us,ng 'MNForT'lSS >OfNt;Ire i
610 / 745
,..-- ...,. _'\ ;' I
bt k, ,q
l'~i::::'?[J24
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1:>;:::'
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.-:01"55"75:'1
(.J u .,
310 271 463';

Y,ARA
F.ru SEP-22·04 3:50PM;
PClGE
PAGE 3
[J~
P:oCoer.y Adu,e:s~. :2.0" ;'l .... -'" ~-~,.. =c7E='y c" '- 'di ':)Q2J~' ::ate S~:nbt--, 2.10:1
c. T~""-3"'t-O<:C\.JP'ed p-rQ~rty: (i) PropeM')' s-h.all e.1: vaCilnt.at 'east 5 (or 0 J O.ayE Pnct' ~ C~se Of~, ~ otherwIse Igreed
'(\ ""rttn~ Ntr...r iC Sell9C": ~ you art' unable to ~flvf!'f Property V;If;;Jnt in ~ccordanc.e wtth rPfTt c.ontrol ~()d ~r iPP"IcabM Urw. you may
be ;n b,...gc.~ of ~h,& Ag~f:'rnt!"t
OR :' } : ~ .:;:r-:;~~:
;:J.aj~gr:lOr--. J ),
= T tor:ilm to rC'~~ In pGE.!H3'3:t1on TrJ:::: ~chBd adve-ndum l"S i."'lCC'rpc~ted rim th" Agl"9&l'T1e'nt (C.A..R Form PM.
OR I"i, (I~ ",es,eo; C Tn"" A9~",,,nl ~ conlJ~nl uoon Buyer SM Seiler enlenng 'Mlo a wrlt:en a~menl ~ming O=.lp4MC)' of the PrOlle'ly
wrt'"1ln ~ t!."ne ~ec.:1l'ed In oa r sgrClpt'11t.8{1) ,f no w:ltte1 ;:;gr&emQn~ \$ le~l!'<1 wUhan thtS h~, e1the1 BV)"Qr Of be-ller f'N!y cantri Hus AQfeernenf:
Ii"'! ~IUng
D. AI C:O!:e £Y ~~crc·,,!lI Se~ a~~ugns. 10 Buyer any astign3Cle w3rrsnty nghrs for It8ms u,CJlJt1ILtd in the sale .slld ~haH provlds ~rry availatJe Cop.e,
Oi SU:'h ......--.. iT::'1n~l~ 5rok~~ CBl"'ljot and '«II! net de1enTll(1~ the- ass~n.atJlrrty Of .ny ~fTaJ1\Jes
!., At Ct~ Of E~cre-, ·..Jr1~5 ~&r ...... lS~ a.gr&~ In writlr'lQ. S.Uer ,haff prO\lI(je kOty$ and/or means to Gpt!'roiiiJe .Illock~, mallboxe-1 secunty ~efTl'5:.
ql9rrns and 9~:r~9P door wenet$ 11 Property IS a CCl'\Cortllrium 01 \oca~ In 8 c.onYn(')I1 I,.,~~: s.~tx1rvt5i,on. BLlyer may oe reqUired to pay ~
oe~t te Tht HO".,.."","e", AssoCtBI>O~ rHOA! To Ob13if1 ....)I~ to a~ible HOA tacirru.
'" AllOCA iKJN OF COSTS (If ChecJol;ed): Unlos~ cP"l~rwi-se sPOCrfied h~. rhis paraQrapf'1 only determrnes. \IJho is to pay for N report. inGPection. ~
I)' ;;..c'V!CI" rnf'.'lloor'lt"'d If ,.,Ot s:>ec.~1'ed here Or al~tn"<lhere:n ~ Agreemcm. '\he oetprmin,.t.orl O'! who f$ l;> ~ay !or nn)' wor1( r&eOfT\,"r'lef'lid9'd Of iderrtTned
by acy sud' 'epo~ ",.peClJon. le,l 0' servICe Shall t>e by !tie motMdsoeeifled \11 O<l'ag"",h '~6r2J
A. WOOD DESTROYING PEST I'{SPECTIO"!:
1'1 C El.r(er 0 S<!llt!' Sh~11 pay lor an In,.pec;ion ,mc ,eport for wooa destroying pl?StIi ~nO orgo"",1Yl$ IRepon") Milch thall be ~.~
Oy _ _ - _.~___ , a reg'slered S1TL1ClUrlIl pest
com,o/ cocop"ny The R,.epart shaU CO,,",r (TIe BcceSS.,1e ~reas of !tie mil," bulJdlflg .,\d .m:ad>rod ot,uduras ;>nd, ij
checked [J pel2ched \/"'''9"s and Carporu, D delMched d~, 0 the Ioacw.ng Ol"llt S1T\>G4l..... or lI\'eas
_ _ _, ,'The ~pOtllhal!
riOt ,ncluOe root ::.ov~un;r-:;; tf Property ~ a i;OOoomnl\,lf'Tl or ~ in a CQfTImon IrweTt::.l woo",~ion Report shan ffidudc onty t:he ~e
Miptmue 1:l1e~~i ~nO any 13::ccLJ&I'lJe-UH 3~B5 b(tir\9 lr~~rred.and 5hlilll not ~ndl,;de common artt;;s. unle'as otnefWtH algfeed. V\Iater tests <if
Sh"",er pans on upper _ .." uMs rno y nol be performed withoUI con"""l '" the cWMrs of prooerly tlf:Jow ,he &hoWer
OR (2) ~ (If c:>«k<><l) Th" ohached aPdend"", (CA R. Form V\lPA) ,"Cardrng wood deslI'Oy,"!I pBSt in~on and alloc;iltion"'~Is ino>rpora1ed
tnte ~rH$ AgrIleornent
il. OIrlER INSPECTIONS AND REPORTS:
(11 0 Bu~r r"J selte' .ha',1 P<JY to nO"! septic or Privata sewlll'l <)ISPOUt SySUllTl$ inSpeClad.---: -- _
12} [) Buyer LJ
$.oller shall pay to have domestIC wells Ulsladfa, water pOla~~y and produCliv1!y _ _--:--: _
13) G ~~., I.l!I Selle' .n..O PbY ror ~ n~hJr:w hUAn:I 20M d'5CJO:tur. jJTcpollld by ..5!J..
:L.uge~ ",p.on
..jl,.uc,,1l1Jo:z,"-00-.sc~.L_~ ....,.-
(4) C Bu~r 0 Sellar wl1 P~y for 1M fcJrowlll9 rn~clI()n or ",,,,,r1
(5) 0 6<Jy'" 0 Sen", shOll PlY for tile lollowng inspealon or re;lOtl --:---: --'_ _.,-_
C. GOV£R~lIIENT REQUIREMENTS AND RI!iROFrr:
(1J 0 Buyer C'1l :;"II",r shaH pay 10r smo~ ""t..aor 1I\$Uliallor\ lar\dlor wotor hMatar br.:lctlg. If "'Qu.-ed OV Law. Prtor 10 Cloee Of &croiw, Seuer
SohaU provtOll! BV)'e1' a wr~n &Qtafnent or COfl\.Olianoe in aecordllnca wim &t2tfo i1nd ~l ~ UI"tless eX8mOt.
(2) [J 8uye-. W SellV .hil"
pay f~ <>Jot <Jf Compflll""" wtU\ any _
,..p~ ~ reqlJired ;os a et:od~ion of cJC6"'" ~ unO or ~ny l.:rw.
lTIinornum ","""alory gOvtJrnrnenl retrQl!1 st.. cIall:b, 1nlll).etI!lM5 ;anO
----- _
. D. ESCROW AND TITLE: , ..
~ 11) [:sl Bu}"" [Jll Seller $MII P.y ~ow foe ~1J./:..2'__'b"'''"yarl!!!!&_.....ij;Q'''dL..l'"/L.2''_M.:<·§LlldJ~e.r= _
ESClOoN Moicler "".,1 0. lilJ~e~~ -.". -,-,, -,-,,_ _--,-- -:-:, -
(2) 0 Buyer ail ~Iler ol)aH p;>y 10r owner's ):tle inwr.mc" pollcy .peGi/i.d in PM"9reph .12 g,..;l;§d T1 (;1<9 C;P!I'Z?-Ipy!2'ony ca~_
Owner'l Me policy te be "vee! by _--,,_,--
(Buy'" 'haD pay In' any ttlle i"5ure~ oolq insutlno !lvyer" I.. nder, unl~ ~",,_ agree<:! itI """long,)
E.. OTHER COSTS: ..
(1) G Elu~r 18 Svuer ,"". pay Coun/)' tr'II",.r..r IS. or transfer'~ . - - -_ _

[2) 0 6u)l*' Oil SeJ1<:r st\aH pay City tta""fa' cu or lr.lna1llrlH _
(3) 0 ~r 0 SeI1<:r she" ~ HO.r\ uoons1'"r ~ .,- _
(4) 0 Buyel G Soller ."",n pay HOA \l~'"pr\!p.,.~ Ie~ ----------------c:-----,--------,
(11) 0 Buyer I;\l SeMer ~11aI1 pay the CO$\, not to oe.ed $ 35<1 De . cf a otle-J'II.r hom. w:l~ P~.
lu~byri.r.. t .Am.ooric:;al1. ""'" 1/'",=tylDq;i <irBen
with Ih. f"liQwlng opllonal co... "rape. --
0 6uyer 0 Seller <.l1ail POlY 101
Ie) - _
5..
m 050-'1"" 0 Seier shall vey fa< =-:-::..,-::~_=_=-__===
ST ATUTOR1' OISCLOSURES (.,.CLUDING UtA O·!5A5etl PAIIl1' HA2AFlO DISCLOSUReS) AND C .... NCEl..L.ATlON RJGl-iTS:
__:_::==_===:__=_=_:__=__:_=====:_-----
A. (1) s.Jltr shall, Within Ih. lime specjr"", in p~ra9 ...ph '4A. c!elwr to Buyer, if rOQ~1red by Wow. III Feder.. Leod-BM1Od Paint CieGlow.... and
p.rnp_ n ... d o"Gl"~u·,,_'-); Ina Iii) d,.dosUJ"" or nOl.iCa5 ,cculled by oe<:ti<>ns 11 G2 et ~' and' 103 d $<:q, 01 the CaIitOfTI<a CIvil CoM
rSt"ulory {}:\Clo>uresl. StatuIat'( DSdOliu," rndulle, ~vt are not IIrruted 10," Real E~ TrorlS1'" 06Closurt' SUI\eJT1tn1 C'TPSi, Naural
fiu;lrn Oisclo~ure Stel"merrt (·Nr40i. nol;~ or actu.1 kJ10wilKlga 01 reieJlu 01 Ile'Qal <:onuoHad &UbsUr'>ce. notice of ~pe~ tax _
O~ll'> •• monl. (or iT ""C'Weo, ""t:lS(Bnliatiy equi'o'Qil!nt notice regarding me Mello-lloC$ Cornmunit;, F.d1..." Aet and ~11l 9ont:I Ad of
'9'51 md ff Sooiler hM Qo;1UQll<nowtedge, in inQuslJia\ UH ana miWbry oranenc:e Io<;atjon discJ05~. (CAR. FOffil SSD).
Il) Buye'shaU "ilnll fll4l ticn. sp""rfi~ ,n O<lf<lgraph 14B[1). "'turn Sigr>e<l Cople, et The SleMor)' .00 L....d O",c1csu,.. tI:l Srller.
(3) in I,.., "",enf S~lIer. prior tn CI<>&e Of E"""ow. be""""'" ""'...
of ";oe'W oonditro"" ""'tenal/)' afteaJ"9 the Prope<jy. Of any ma~',al
,nlccvraty ,n ~c;o,ure~, Inform.!'on e< reprnenlatooru pr8\I1O\f5ly p=icled lr> Buyor r:II wh/cn Iluy..- .. o~~ tJnrNare, SellI!f shall
•...., "0_ • '"""""" ~'or.~"'''
shailllct
<fl&CtQfi,(,.l1'P
"~~". "' ,..~.
be f"E'QI.J~red
C:Ol1dftionc. .nd
" .-,. ~""" _~repott:&
lnaccuracios
. ~
on:J.ta d J:aid for
W...........
' 0 _Buy.,.
r'n:Iten~1 d5el~d JI1 ~
Buyer'S 1M..,"
6e'le('5 Inl~8ts (
( ( ) Gl
=
CoovrOrll ~ Ho~1 :;'Dti? CAL,rDRNI.... .c....<:;SOClATlQN OF ~!A .. TG~ NC I • ) ( )
I
RPA-C" R£YlSEO 1OJOZ IPAGE 2 O~ B) . R~ by om- , ~==:
C..,LlfORNIA F.ESJDENTlAL PURCKASE AGREEMENT (RPJ-CA PAGl': 2 OF' II) T~ZA92..J~.L!'>'
611 / 745
, ~~ Jj
~.:;'(~ h~
'''I~'7!")ona
~u' __ , _ tJ ,5;·:2
_ _ ........... ,
.~'055'F::31 ~~RA . ~W p,c":;E OS
;;I~O 271 4834; 5,,",22.04
_~ ,-,~i'O'
3;51PM; "AG!: 4 i 15
-,::Jrq:ll::.r:~,;..,jd~a:;s..32.2-.L pi?' X Dr',1!' "'e'Te-'y l';~':S -.f 9C.2::.2 Date·~=--L..~_
j4) If any dl~C'O!-l,r~ or '"01Cl' !t;:.t":iJne::l "i 5A{ 1 1 cr !>1JbseQ:...J~nt ot' ~rT'lfllndAd d.fIU:l.:ls ....re or l':otJ<::;e tS oe:--."'Ared to Buyer B~ ':he otle-r ~s S~!::'d.
tlJ'>"rr 50htl il t)J\I~ IhS rtgf'\: :0 canCQlll":tS Ag~er1e'f'11 wi'.hln 3 DiIY& Ahe-r delrvery In ~O:"l, ::( 5 'J0tV'S Afler d~:fYero; by ()<epos¢ in ~ mar ::ry
g.,,:r.g vw:"Ufen noll;:.s 01 c.':I"'lC~1l8HC'"llc Seller or Selier~ ~ger'lt. (Lead DI$d05lJT'eS sen~ by ..... ai! r1:..:st be s,e-nt eenlfleo mell o~ tlett-er.\
5: 1'-t:rb' to Buyer OJnd Selt&r. W;llyer of ~tat\Jtery and L.e..iJC Oisch:"Gu~ i5 prohfbit.eo by Law. '
2 NA ~UR).L AHO ENYII'lO'""'ENTA~ HAZARDS'. VIilthin I." I"", SPeclfJed ,n pO'''9'1lph 14. S<4!e, sha~. ~ r"'lu red by Uno! (I) o......,.,r \0 Buy..
@~rt.l"-Gl.Hlkt r]0tdi'S (~nd Q'Jesr;cnnalrc) aM e-,,'~'~nmgntal ~rd~ book)et: (Ii) ~n i e.rernOl ~m tile o::,192tiOr'l 'ttl prQlTQe 9 NHD, d;~e rl1he
D"o;:erty IS lOcated In d SceC'.Ql FlooO HU~d • .ritS· Poter-Hal rk>odli1g fln,mdatlon} NeE. Veroy High f=~ Hazard Zone; S~1e: J:;re ROSD::U"sibil,ty
A.f E': 01' E8rthou3ke F3uJl Zone Se-\:S.'YlIC H"Z~ro Zone: and (l)i1 d\.Sdose eny Otr')9f ~o,.,e .s: re-qulred 0'1 Law and ~rovlde .flY c!t)et .nfOm1:ahcn
r~~QUtl'ea jot" !hose 20n~
C. DATA eASE: DISCLOSLRE! 'lCTlCc T,o' C.b~ml:l DeP"'tment of Juoiica. so~riff, oec.rtments. p<l'<>e CleP3rtmen~ MtNlI1g jun:s<J;ct1on, of
')'):).000 .::r 'T'll"lr~ and rr:~(\y ~t7J'"'~ 10:;;'; i13w enjorcer.1~nt .;uthorii.es maintain "or put>lx: ;l~S " cata !:::4~ of tt10 lO:::illJQns 0' per$Ol'JS reqU.l'ted to
-r>g"sW?r ;;>..1rsu~nr tn ~:lra9rapn i ~! 01 ~LQdl'-IlSJ,:)I" (a) cf Section :290.4 01 the Pe!"'n:!l Code. The da1'3 b~~ is ~at...-d or, .. qu~~rty t.a$.ts 4iF1d •
$0'J1"""....,e ~j InforrTlt'tlon eitxlu: the ~re-~~ c, ~ IT'IdJ'~d,.!a.lt iJ1 ,ny nelghbort'lood The C't1Pd~nt of Just!~ als.o m.1l1'tfabs ~ Sex Q~ncer
<)er'it~carl0l"1 Llr'< ~h(au9h whlcn Inqu..,1Id"::> C!oclJl1Tld1vlduab rTlo1iy or. IT'.ade. Th~ IS. CI "SOO' ~l@phO'1e- !''-'fVlCIl'. C3H~f':!, rnu~t hEW9 GPeCifj(. lr:fcrmauol'l
Jt'OL1, IOOr'.nd·..... JS lil(oty ;Jr2 CheC\q....lg. l"formatloOn reg:Udil"'lg If.9fQ'''bcmDOd91:.' nol a'Jdltabioe tnr.:;..u.gh ttl!: -900· {elephone SoeI"VK::le.
::O'lOC>MINru""?LAN~I::O t,NIT D:vELOPMENT DISCLOSURES;
A. SFLLER HAS; 7 for:--1 _ _ . 1 Days Ane-r AcoePQno:;e ro dl~c$e to 8uysr """a~er !'t1e Pro,06fty 1$ a alndornmium OJ ts lQC.::8ted Y"; a
C'!anr-:ed ,•.,:,nl: aevelOpmenf or ot.."Q( cornmon :r1rOrBct SUbdlV1sion (CAR. Fol"TJ' S$O).
6. It one Pr:;,:>e1tY ii a cond.:rr'"':lnium or IS 10catrj In a D~nned Uillt 09Ye\(JpfTlent or other common interest 9lJ..:lONIlSKJn", seh:r tn6 3 {or 0 )
0..;5 Allar ACDtplanc<> 10 requ&S! from the HO,," rCAI'< Fo<m HOAj. (I) Copies ol.ny <locw=n19 reQwed by Law: (;1) d;so<>sur" of ~y pending
or an~elp;:lled ""aim Of >t'9~t,<Y1 by cr a;~,nS1lhe H().o\: (1111 " obtemenl c.ontair>ing tIHl loeotion "r<l number aI d~lQnate<l o"nung .na srorage
<C'~~: '''1') COpre. of the most ",cent 12 months of tiOA minutes lor '69""r _no ~ .., meellc9s' and Ivl !l>e names 81l<l C<lrrtllct ",for",,";on of
;1/1 H0A3 gOVilmng Ihe P'cpe~y ICO'edrv"\y ·C: OISCJo<'luen ""/lor ~8J ;\em"e and dehver te Buy.r ali CI D<sdosu.... """''''ed
'from Ih~ HO'"
;;nd .any c.;1 Ol:idasures In S-t:ller s pOs.ses,rOrl. Buyer's ilPPtV"Vel ofCI Ob-c:lOSUfQiS i$;I C:Oobn-pency of H,,~ A9~nt as ,pec:ifJ.td ff'I ~r.il9~p" 14
GONOfTlCNS AFFECTING PROPERTY:
A.. ucleM omerwi$e ,,,,,,ed.

(I) rt10 Pro~rty 19 'old (a) in lIS pRESENT physlc81 c:ondlUan a8 of ~. OO/tlO of A~ew 2nd lb. "ub~ to
Bvyor& In".... ~!Olll'tion rI9~: (ii} ~ P"'P"rtY. inclUdong pool, '''•. ~eaP'ng and \IroundS, is 10 be mantalne<l in ,subo18nliolly the same
""edition .,. "" the d~l<! of Aecept.n",,; ano (iii' "I debr~ lind penonel proPerty ncr ir>ctu08<l in tne s:lill sn;,R be rett'Oved by Cio<le 01 bacw
B. SEU.ER SHALL, wit"ln the ,,~ <pec,lipd m p""'S.... ph 14A. DISCLOSE )<;/'KlWN MJ. TERlAL FACTS AND DEFECTS alfecti"9 li>P
Pro!'&rty. including kno- insurance c1.;= w1Ihm the p<l91 Ihr. 1...... AND MAKE OTHER DISCLOSURES Rl;QUIREO liY LAW (CAR.
Foml SSO).
C. NOTE 'TO BUYER 1"0<1 .... Slro~ .:letvl3ed to COr'ldUell"""stiOlltions of ltle enli... F>ropr>ny in "rdow 10 <let"rmirw I~ P.... er1I conlfltion
$1 nc. S+Aer may not M WYnr1!' of ~It defe-cu. aHf,eting the Proporry or other ta.etora 'thiYt you Cl:ln.. fder Important. Property ;mprg:v.J"t1entS.
may not be bulll.:lccordmg 10 COde. In compfi"na wlttJ currem Law. or rovo Ila<l petrnJlS 189"-'
O. WOT!'. TO S~L\..ER: Buy.... hal; 11M right to '~eM Pn>p4H'l)' :and, "" specJflot<IU"l ttloIt you m~ Repolrs Qr t;l~. other ;;action.
e. ITEMS INCUJOf:O M,D EXCLUDED:
A. NOTE TO BUYER AND SeLLEFt: lrems 1ISlt'<' as r'lC!udlKl or •• cluoee in 1tle MLS. ~t> or ,""I'1<e~ng ""'t.erial!ll\!~ nat indvoe<l in !l,. purehaSlt
pn"" or e,Cluaeo from the tiPle un",s~ specl1etl In SB or C.
9. rrtMS INC..UoEO IN SALE:
11) All EXISl'ING fixturr.; and rittlnqs /hal ore att.ctJeO to the Property;
(z) E:tJsn"" elecuical. TT\..et\.""", I. liQhtl'lg. ptumbinQ V1d heiJI<ng fixtvrM. ~iling f...... fllepla.,. In""lts.. gaa logo ond ~. Solar ~r-;tems.
ouMn .ppliinee5<. WIndow :lnd 0Q.t>r $Greens. IWf'lings. s.hulten, window COYerlngc. attaChed fto.or cowr-nr'\Q5, t!I~~ antenna" salftJ~
dIShes. prtVllto i."\t~rated teleohone .yste!l'1$ .iI' co~""co.,,;jitone~ POOVSP8 ~lp""'flL g.~e ooor oDeners!r"mote C*llrols. mailbOll.
101_.,.,
rn"'lI'und l~ne'C1p:ng. treu!>hrub•. "",I." ooI\eners, WlIler p. rifle", , ucurtly '~l'Il$/a';>l'mS: end
(31 The ,lems -- _
(4) ~ repr .."",. InQr all .ern; '"ClUdell m th<' ~~ pnu, unillSa DlIlMWiH ap.arlOld, .,. ownI'd by Seller.
15) ,IJ1 lie"'" .ne>Jded IMl t>e u;m.ll>r",a "."., of hen~ and wt/>OUI S<!IlIn WlItn1nty.
C. ITEMS EXCLUDED FROM SAle; _ _ .
9 BUYE R'S INVESTIGA rICH OF PROPERTY ANO IAA. TTl:R5 A~Ff.CTlHG PROPERTY:
A. B\lY0'-& a~pt:>na of '''9 condition of and any c>tINlI "",ntf sffeding the Proplrrty. s • contlng"""Y of thlt Ag~t ao .pecifled In this
p.ri!1lroph and para~l.ph 146. Wrtn", tile lme ~p"c:Jfted In paragraph '~B(1), Iluyer sheri h""'" the .... hl. al euy~(S e),'~nse ""less o~,-....
agrceO, 10 r.onouc! ,n~aJon•. in'<1>S!'9nons. test5, s"rvvyo; ,no Qlher .!"oies rBuyer ln~tig..lio<t$-). including. but not Iom;tI:<l Ul. the right to: Ii)
,o~pea lor leeO-lla,<>d ;:>alnT and clhar ie=l-oillO'<! pai'll n.=os: (If) in~ lor wood deSiTOylng pests "nd organISms; (iiil re._ ltl4 .-g~~
.... ofIoMcr oal.D..."; fiv) conlrrm !he "",vr.l>HiIy 0' 1llJl'Rl' 'nd th<' Proper'ly; .nd (v) .:oIl.1y 5uyer a. 10 3<1Y mab, spe,,"~ iI'l It- ~
I'lvy..... I~clloo AdvIsory (CA R Fcrm SlA). VV1thoul s.u....-. priCl wntten co~nt. euyer .~~II nell!lltr make nor CIIU" 10 ~ med.,; (I) 11\"''''''
pr oe.wc1". Buy.r Invest'9abon" or un
inspedJOrG I)y any go~rnmernal bu,lding 01' U>nlnO in~ Of goova,""",nl unlit.. ~lJited employe".
by ~aw·
e. 8lly!:r 3hafJ '=Q~lttIe f'uyQf In"@st~lrtJOns Q1'ld, 8:io ~~ in par~r;iph 148 remove ttl_ CC1nttngency or ca~J thd. Agreemtll"'lt. Buyer -,,_1\ 9"
Seller at no coSt. """...,...", CoP~' 01 on Buyer InWlSliQaIion reports _",ned by Bvyor. Selillr sM. I makl> 1M PrOP'l'rty a"""able for all BlIYef
Inwsl'9"ions. S.1I.r 3h~V have w.,'"
wa~ eledricly and U op"",ble puC! h""to on tor Buyers 1~'W9aty"bons ,,"'d through the d"le pocseMrOtl e
m"d" avo'loble ~ Bu~r ~
Buye1 In·l",l. \.1 ( ._.
~
j
Sel"'~, Inn",," ( )( I
\-
a,
?"7)''''9~ II;: ~Q\l' .200: CAll~ORN;A ASSOCI':"1101'4 O~ flC,.L TOR&fI: INC I
RP~.C'" REVISE;) 1 iliC" {i"AGE 3 OF R_ _ "" 0.1. ~~
CAi..IFO~NIA RESIDENTIAL PURCHASE AGFlEcMEI'lT (RP"·CA ~.Gf 3 OF~) TEl~~l30.7.r.x
612 / 745
~~
~.-::X y\~ . A
le,'==/2Jea
0:0'" 01;
15:42
l.:j'-L,,'r::.L~ EM;. ~'e55B7~31
310 271 4534;

~~F\~

~.--OW
SEQ-22-04 3:52::>l,l;
F'~GE
PAGE
(17
5:~ 5
.:Jr',::ClP.'rryA'Cf'l?S,".~-'s__ ~~<;:k Cr"'v" ..E~;u,l!" 0 oc""" cnt.e:~.~e'" .2QI1..
10. REPAIRS. Re~.3\."!> 9'h.:tli be c,ont)let!'d ~~Ior :0 final ~nf1cahon ~ condl[IO,", unleSS othCrM~ rtgnaeo if"! W'TT••.mS;;. Repal~ ttl t)Q ~l'T1'lf80 at S~I~, ~
e):;>erb~ ~y be pertD r ·"i1eo Or Selh~~:r cr :nrougn CU"IeM50. O"Uvdec:llh8t [t"le ¥'Vcr)\. eOl":'ip~~ W1th a;::PDble l..~. lfl~dlt't~ gO'Wl rrtn'lpr. ttl I PClTr.rt m9t)&ctlon
:ilt'lC apbfo"a, realNem!','~~ R~pel.~s sl-1aU De "er10'~I"'C' 11'1 .. good. skJr~h.1 nan~e-r 'o'iltn rTl2iet.alS C1 QUiillrt)' end s.ppearal'Ce COC'riP.#~bWt to e'105Hng
~t~ la}~, ~! '5 :.;r,-de·slo......'""'Cl '!t",s1 e)(3Ct fQt'....er~ton Cit appea~ or CC'Sl"T'e.tlC t.ems fCI~W'lr\g !l~ R8C~ may not bfI po6-slble. S~IM!r .r;;h.41Il {I) C'::lt,;,in
rcCe.lpt~ lor F9pal1'$. ~~rfom;ed by other~ (Ii] prepare 9 written Sfar~nt tndic;Jt~ 'h" Re.oai~ partOm"led by Sewer and t~ d~t2 0' such ~p:afrs.. ane
(iil) pfC'~d~ CODIeS cr fece.o~ 3nd S~If3~nt$ to Buyer p;Jor to f,1'\;IIJl:':rWlcall~ 01 cor-orton,
11. ElJY£R ,NCEM>lIn' AND 5El.'-ER "ROTECTION FOR ENTRY UPON PROPERTY, 6"yer stull: (i) ke>ep t~ Property lJee an<! Clear a1 oer\$. (ii)
Reo~"r all d.r)_~ a..''51~ from BU)ltI'f 1,~ve$L9~tIO~1. ana (lli) tnderr.nlfy.i"lCt hold Se/,jef niirm\Elss tro,T) at! 'esu!Ung loabi'It'y, c1airT'l':l. derr'e.nds, dama~.,
ana CC~~, BLJYer SJ'!:lJl :iJ "I , or Bu~~r s,'lall ~qUl(~ ..nYOM ~cnr:q on Bl'yer-'S i>tt!":atf to Cdrty, OC.bC'e5 of I.Bbmty, WC'rk.Qrs· c.omoensabon ano Otner
i'lDOlIe;tGllil I~Sur~")~ ete~""'lon9 erd P(D~et,r.3 ~I~r !'rom liabt1Jty for BOY ~u,'-es to P'\:is·(m, C( cruptrfty co:::urr~g dur'rl9 any Buyel 'nvesUgatJon$ 0<
w~~ ~c>.,e cr. trll? P~p€'-:V at Buye(~ d r reC1oC,- ,enur to Clcs.& Of E.SCTOY't Serle'r B :ld.,.,j;.Qd that certain Pf"?;po:ion$ rT'Qy bt!. .. Hord!'!d Seller by recording iJ
Not~ ,:)' Non·respol"!;Ib;liry· (C A R. Form NNR) for 8uyer In~.Q'tan5 .fvj '."lor)' cone: on tnt Pr;lDert"y .-t Buye('50 djf"1l.CjllQr. BU)fer's CbW9B.:H)f·'i~
\J1)(1er t,"'lL.;; NHa~rapt'l sl"1all survrve tf'H!ll-t-l"mtrulbon 01' tnls AQreernet\l
12 -mE A~O VCS'rI"lG'
A 'I.:\!.1'Jn lfle tHne ~;:-.ecfied In rn-lrli~raph 14 Buyer ShOlll be provided 8 curren1 prehm,,"al')' {tibe) r.epQrt whiCh i' Dnry ~n of+e( try tile lith! ll"l5u'e' ~o
:f,~>Je 13 colIC) c~ tHIe J{l$Ur~nc. ard may not CCf":UIU) e",1t"Y ilem a1'Jreetir:;; t1tI~ e ... yer's ,~lew!'J1 t ....e pl'SI:mtrlary reoort and any 0lher m..1U.rs ~Ich
~ c:":'ec Ltl~ (ilt!':' ;:onlngency ~ ~nl~ A2reemer,t .1.$ Sp&Ci~d !fl p;.:agr.:ph 146
B Tr"Je ,:r; t;nl.B!". j'1 ItS p."\1s;er;~ conditIon ~bje.:t to all rncumt:lrance~, e.a~menIS. co .... enants. condtJo""~, J&Bmat¢"s. '9"'19 et'lO O!1"ler :-no!t~~ 'NtN;>t1:er
IJf (eco,-: or not as :Jf The Qe:e 01 Ace;e.ptar'JC* except, {I} monetary lJe'l:5 at recoro un~ Bl.Jy'ir is ~s.urmng !hose obl~ons 01 t,ak.rng t~ Prooe-rtv
subject to those oblig3t10ns: ard (ii) l/'lOSE ma[ters wtuc:h S8JJer has agf"t:::ad 1'0 remcV'8 In wnhnt:;. '
C. IN,:hin Me ILlTV' weo;,od In p'~g",ph 14,... S"lI<fr h~' a duty 10 o,scIOSe 10 Buyer aU_tte" koown to S<!ll..... H<!octng tIlle. wI1eltll' 0' n><»rd or 00\
O. At Close or
Escrow Buyer shad receivt' a gran( dee<:1 COnv8y1ng 1:rtje (e-. for stock COOO'e'nlCNe or lon;-utrm 'lea&e. an ~ntTlef'J\ of 'StoQ(
ce-rti'ic.alt:: or ~ ::.e~r '5 Jea3t"halc lnte,"~-l), incW,ng oil. mir'H:'ral and wale1 r~ht5 if current~ owne,.O by Srler. TItle ~heW '{~t ~ d.e~fgn;Jte<1 III
Bu~. s"llp,emental escrow '~Iructio'" 1l-IE I\IANNER OF TAKING TITLE I'MY HAVE SIGNIFICANT ~=GAl AND 7.&JC CONSEOUENCES
C:ONSUlT AA APPROPRIATE PROFE SSJOf'V.I..
E. Buyer 3n.8ll recer.oe.a CL iA.iAl TA I"iorneowtler, Policy of Ttt1e In~LJrance. A title C,:,mp-any, et 8u~s request. C8n ()rovlde mformarion. about tne
.IJBII~lJt}'. oe$J~billty. cove-raQ& :Jnd east at VanollS t_1e insurance r..avsr.ages ana endorsements. If Buyer oD-Sire~ tltte OO'riragoe other than t"1i't
,~r,.Q bY 111", paraglaph, Buyer sh~1I Instn.JCI ESCfC>W Hold"" In wri1in~ and Pay any ~ in 00.1.
1~. SALE OF 6\.IYE:'R'S PQOf>EIHY'
A. ThIS Ag_mffnt I~ NOT contlno"nl upon ~e $llie of .any prop&rty owne<l by 9uyer
OR a 0 (1/ ,neckedJ: The .l'.:lcr<.c: add!>'>Cum (C.A R Form COP) le~~rOing Vle oonUngency lor me Sa'" of properly owNIl by £lJy~r ,,~ inalrpOl1ibnl
"1110 Ih~'A9~e.e~nt .
14_ nMI;. PERIODS: REMOVAL Of' CONTlNGENClESi CANCELi..A. TION RIGHTS: T~ Ic>llowt"ll tlmo perio<l$ may only b. . . . . .ded, "I»red,
modlfle<l or C ~ by m ~ ...,.,ncn bQr.em.nL ANy ..."ovllof cootln<;encles or """e"ltallon under lftilI p~"'Ph muon btl in writing
(eA.Fl. Fom'I CR). .
A: SE!...cER HAS: 7 {01" CJ )
Day, Abr AcCllOcanee to delive' 10 a'Jyer all noports. d'sclosures "na inlorm.nlon for whith Seller ~
rotSQon.. blll \moer p"r.ograp~.~. SA 000 8.!IA. 7B ane 12. -'
S- i11 ElUYER HAS: 17 lor ~ l Cays A'Ircr Aec:epanoe. uMe•• otnerwi:le ~9tee<l In wrtling. 10;
Ii} ~t .w BlI)'e< Im<estglltlons: "Po""'" all disclosure,;. repcm and nlher appIieaOl¢ ;nlcnna';on • ...,IC/l Buyer reoelvQ frgm S .....: an<!
~n prOY1l all ma~ .atredng ltle "ropeny rmclUOlng lead-baaed p.'"
ano leOd-b-ed paint haurd. ", "'ell ~ orner inlormalJon specifIed in
par_grepn ~ ana "'"~OJr.ry or SUyer and the Properly); N'~
~a) 'etum to sel/er 5'9ned Cov'"" of St.abJrory aTltl ~lld O~cIo"""es ool.ve"'" by Serler io '":C«tlanor with Pi~~ ~
m Wlttlln ttle tVI'e specJriI!JC" 1~e( 1). 6vyer m;T)' reqUIl:n tlUt SGlIer make rvp.,/!; Dr toIlItI lltly oltIQr actlon regaldinll h p,ope!tjI (C.A R. Form
I'lR 1. 5e1i4lf n~> nO oblig~IDn to -slre« 10 or ",spond 1D Buyt(s ""lues!!.
(3) Ely ,ne ~n<l 01 the litre .pecif"", In 1411(1) ~or 21 to< Io;on conbngency Of 2.J for ;lPpt.a~ contingency), Buyer Shall. '" "'&.9. remove the
~ppiiC3b1e ~geney ,CA.R FoTfT' CR} ()I canal thia A9r~nl H~el, if 1l1~ 1011"""'9 Inspection:!, reports Of d~los"",s are nol rnaoo,
,,~h'" tr\~ Irrr. ..,.,cif\ed In 14A. lI\co awer has 5 lor 0 ) Days wr I",=",ipl of -IlY 3Ucn ~~, l>' t~ lim. ~cif1o!a in
'4BPi. whlCh"""r is later. 10 fltn10ve tM apph""bie oontlngeocy or "",.,cerlh.,., ~nt in """I\ng; (I) gowemmanl-m:ondJlll'd IllspeCllOnS or
reoono. ~ as e eond~ion Q'
ck>s",g; or In) Common lra..r=\l Dis<;Iosure. Pon.u&I'It 10 paragr.pn 158.
C, <;ONTI Nl)A nON Of CONTINGENCY OR CONTRACTUAL OBUGATlON; SCU-E.Il RtOOT TO CAlIICEL:
t1} Seller rigntl1> ~I; Buyer CorJlngencionl: Se"er, "n"r fltl!l glw,"!I Buyer. Nolice 1tl BllY'" to Pet10lTTl (as specified ~1l1W), may can"'l
thr. Ag",emem in -...r>lIng aM ..uthonze ~m 01 B\lJ'l!~S <lePD6it ~. by the lime $peCll'ied in thi. Agr~enl. ~yer doea not ~mcw in ""lllng
tt>e "ppScablll OJn~ngency or can~ !hi. A,g~m.,"t. Once ,,~ rnnltflgenc\~. have oeen removed. fg~ure 01 either 8V)11f or set... to C!<l$e
.""OW on time may be "bfeacll ollh. ~~ol
(2) ConUn.ntion of Conu"llfl'1cy: Evon aller the """iration afth. lime .pecihe<l In 146<1). Burer ,..,.Ios the right 10 INke _ ....n: to Seller.
remove in "nMS m.. ~""'ble cont,"98\C)r or <:.oneef!tll$ Agr....mem ""til Seller cancelS ""rn""nt 10 HC(1)_ Once S91~ '-'11M Buy_I',;
"" n r.mova! 01.U con~ngenc<es. &Olle' rn3y not CllnClll1tllS Ail_mom pursuan' to 1aC(1).
(3) Stoll right 10 C~nUI; Soy.r Contr.ct Obllgat"'",.: SalIN, alter IN'S! giv"'9 Buyer II Nclioe 10 8lJyer to P.rtOml fa apeci~ bc\ow). may
umceJ thIS Ag~ in wr,ting .ana .LlJI>oIl:U return 01 Byyet'~ OeOOSlt 101 any of ~~ IoIIoW'Mq "'a&OflS: (lllIBuyer !lois to deposit funds f.$
r.'lU'~ by 2.A or 26. (II) IT tr>e lUf10S CleP05tled purs~arrt 10 2A or 28 ar& oal g<:.od when OeDO!lted; (iii) t ~r falb to IYOVlae a Jelref lIS
reQu'red by 28: (IV) If BU)'~ talis 10 provlOe ~rflCation ~ requlled by 21-1 or 2l: I"') If seller rea«Jr>ably clis<tpproves o11~ v~ri1lC9tior. ~rt7VTOed
by 2H Of 2L. Ivli :f BlI)"Ir fai"
lD ~t"rn Sblutory al'>d Lean D-~OSL'",' "" leQUJIPd by paragraph SJIlzr or (vii) If Buyer Ids to :sign or Initial;a
,e""raIl> Illul""l~d o.......g. ~o ..... lor ,,~ incre....d DePosit 3S ""l"'red b, p. ragr:>ph 16. s.a.loor ;,. not .-.<juired to give Buytt' • NotJu to
p..rform f"&'ga,.dng ClC5of: at E.3crow.
(4) No1;eo r" Eluy..' To Pe.io<n" The No«:e to Buy.... !D Perlt>1TT' (CA R. For'" "'BP) sh.alt (iJ be in wMJng; Pi) be oigne<l oy Seier; aod Wi) g've
2uyer .tlUSl U (or U '*
) hour> (or ynlillhe time 5oeClf"'d It1 I"" applreaole t>ll",g"'~h. W~""""9r ~I) fo lllk. Ihe "PP.COlble
act lor A N/XIC8 lo Eh,ryef to PO'rtorr":"'l m2Y 1.;.1 be ~ven any ~a(lItrr .hart 2 Day:,. Pnor to t1le e:qmBnor.
• caotd'gency '" caocel tnlS Agree"",ctt or mt'81 ~ HCl3' oIlhgsllon Buyers In""ts (
SeDer's
)(
lnltJttl) ( ) (
)
)
12t
plioca~ trnft. for 6uyvt to f1!'move
==
~(lp"'n9r'J: e '9'('·2:)02, c.,....l!rGRN A A~OCLA.TlON i
DF' REAl '7OP.S4P, lr-K:
RPA-CA ReVISED 10102 (PAGE ~ OF SJ . ~ by ~ r.:'n=
CAL!FCRNrA p.ESIO£NnAL PURCHASE AGREEME.'-' (RPA-CA PAGI': .. OF 8) T6~89210.l.f'\(
'1
613 / 745
t:::.( "'-. <tf' /
~c"
] 8 / 22/::'£'£)4
D'. C"JLu'~~_ t>;\"'e
15:~:' "l[l5S87531
310 ,71
~A'<A
4634,
E-'::RGW
• SE~'22'O'; :3: ':~PV;
P.'\GE
i=AGE 6/15
88
~rc~er;y AjO""eSS: ~2C ~ P'-'Ck.::r~-p ~' .JO::" ~ .. "'...." -',;.:,".:.'...

,;, .... _ C'd~ ~c;:ber 4 2QQJ
o EFcECT OF BUYE,l:;:'S REMOVA.l Or CONTINGENCIES; If eliyer re-'TIJ""'= . ., wl11JMg, Oilr'ty C-O:lllr'!geney or e<::rCCll.sllOn 1'9~. uf'l~ oll1c;rw.se
'5Dec.fieo Fl a .?~o3r3te w"~n ~9;~ment t>c~n Buyer and seHer. BlJYf:r Sh2U COI'lClrJ"I~!Y b+: oe@>med 10 hdlJ! (~~ CDmpteted ~rt. Bvyel
~,l\'e!;~~hoI11. .lnC "tYIe'\N{lF ·eporis .;l,f1d otne;( a:)prx:aDle :nto~N>n B'.d dl~CJQ:S,L:r?S pert_n..ng ~ :hat O:)I'ltln~ncy or cencenBlion r~ht (~l) @1..6lC1l?O
~::.
p;ccceo w:'tr'! r:-te r-:--an,.cncn ...no IILl) assu:"'rIeC an habilty, (9:Spons.It:,I~,. ii11'\d e.x,c!.'flse: b Repairs or correG::JonE ;Je.'t-dtllflQ to lhOilt CO'l'tmg&flC~ ~r
CflnC6iJ,ftt~r right. or ~r ,na.Diuty to OOttll" m8nong
E. EFFECT OF CANGELU'iICN ON GEPOOITS, If Buyer or seller Qives \1I;;llI8n notlCll cf ClInC<l:laIIOn put'li1.lanl to ngnts duly e><en;:SeO under ~
~'rrs 01 1"'5 A?",,,"'eM. Beyer and Stll.r agree Ie· 5'9" rnuw.1 In.hJClIOns 10 C<t"Oli \"" 3a~ and <W;rt:m and ·ele."" oeo;)=- i~ tees ."<J
w~ to the ;>.rty er.Nled 10 'he tunl1' Fees and COSts nay De payeble to ~",it:. provldetS and vendonl for 3eMce. anO O~OCluets prtlVlCle<1 ol>Jmg
escro..... Rele~.e of lun,," will r&qul"" mutua' Signed ~In . . InRtruetJDnS hom Buy.r and SIllier, j"diclOI 06Ci6lon or arbitnobon _ r d Jo.
p<lrty ITlOl'!' "" SUbJect 1o 3 crv1l penelt)' of up to ~'.OOO to, ,..ruGa'
10 sl9n .uch instroetioltS if no goo<l filit:h disp<* ",,1_ as to who Is
entllJe<j 10 the d,,,osited rundc (CMI Cede ~'0b7.3).
15. FINAL V'ORlfTCA TlON OF CONCrrION: Buyer 5nan have the "onllO ,"T'B!<B" Mel iMpecron oHloe p",P&rty wnh'" 5 (or , Day" FriO/"
'0 C1c>e Of Eoc'o~ NOT AS A CONTING~NCY OF THE SALE. but s<>IQ'Y to eOf'lnn (I) (Toe P<eperty .. ma"",~ ~ursu.n, tD po:ragrapn 7.0.: ii,)
Repau~ n.a\Je ce~r: comp~[e<:l .5 aO"'eeQ. and (Ill) $.e/ioe'f 1":;'5. COlT'.Ql.I&d with SelJlSr'S CJt.h.e! cbligllhons \.u'lde,..tl)r:s ,Ar,greoemer,t
16. UaU1DATED DAMAGES; If Buyer fail$ to complete this pu~chilSe because of Buyer's dufuutt, Sell,", shall re-taln,
<IS Iiquid<rted damages, the deposit actually p.lId. If the Property is ill dwelling with no more ttlan tour units, one
~fwhich Buyer intends to occupy, then the amount retained shall be no more then 3% of the purchase price.
Any excess shall be returned to Buyer. Release of funds will require mutual, Signed release instructions from
both Buy"r and SeUer, Judicial decilOion or arbilJation awa . BUYER AND SELLER SHALL SIGN A SEPARATE
UQUIDATED DAMAGES PROVISION FOR ANY' INCR DEPOSIT. (CAR. FORM RID)
f BU'r'8('S lnihatc s..1~ In,ti.,s
17, OI3Pl/Tt: RESOlunON:

A. MEDIAnON: ~uyer dflO SeLirf a;Jr&e- to med.wte;;rry di£~ute
OT Cl2,m "Mts.itlQ Detwge1"! lJ1em out of thi$ Agreemeot. or J)f""I'f fOklltll"'Q tran$.3d]on...
""tore (HoOmr'lllO "'bit"'tlon 01.;Durt "cton P.....9'"'Phs 178(2/ 'M (~> bel"., :>Pllly Whether O' not the Artlitr311Qf1 o(ovis,on ,. iniliallod. Ml!dlJl!lon
1""'. <f any ~hlJl oe dimed eQ>oHy o,':'\Ong the P.rt",. involveO, It. ror any d6p..ne or Clam> to wtl,en thl. paro~~ph ;applies, any party comm.ne-s
an Oc:ll<1n wrth<JuI ~n;l atterriphng \0 "'sO/V" the "'.tter Il1rovgn rnediatiOn. or refuces III mt<1ldle aner Q re<lU~1 /I;l~ been mOKle. t~n lI1al pan)'
~h"N no' ~ ennll<!d to reCtlver attoml!)' koes. lOV1ln If Iht)' wou/tl ot"QI'IlnSll be ..vail.bJe to that p.. rty in • ny such actIOn. Tl-tIS MEDIATION
PROVISION AF'PU£S Y'h-iETHER OR NOT THE ARBrTRATION PROVISION IS INITIALED,
s. ARBffRATION OF' DISPUTES: (1} Buyer and Seller agree that any dispute or claim In La.... C»' equity ariaing
bet_n them out of this Agreement or any resulting transaction, which Ie not s~ttJed throueh mediation,
shall be decided by neut,..., binding arbitr.ltlon, including lind !Subject to paragraphS 17B{2) and (3) below.
The arbilrlltor shaU ~ a ~etired judge or jU$tice, or an attorney with .t lellst S ye.. rs 01 residential real _tate
Lc!w experience, unless the parties mutually agree to a different arbitrirtor, who $h..l1 rpnoer an award in
BCl:ordance with substantive C21ifornia Law. The ~rtJes shalillave the right to discovery in accol'dance with
California Code of Civil Procedure §1233.o~. In all other ",a~, the amitration 8N1/1 be conducted in
accordance with Title 9 of PliTt III of the California Code of CIvil Procedure. Judgment upon the sw.rd o'1"e
arbitrator(s) may be entered Into llny court having jurisdiction. Interptetation of this agreement to arbitrate
shall be go...emed by the F.de~1 Arbitration Act.
(1) EXC1.USIOfolS fROM MEDIA T10"J AND ARBTTRA nON: Th" lollowing "'lttt1>(~ w. ax<:11>Ck>d from med~n aNI _ilrabon: (il. Judlc;;.1
or non"ju<l'CISl to_IOlSUr-. or otlle< aetloo or pn:>cflltdlng It> enloree a de&Cl at tr""t, mortgill9ll or instlo~mIIrrt bnd Ula ccmra<;t:os c1e1\11l>d
in C.1ifor";. Civil Cod!! §2986; Iii) an unLewful MlllinlPr aclion: (III) the flIjng 0' entorcemgnt of. mechanlo·.. f1err. ..nd (ivl ./l)' .....- tlwoI
fS wllhinme jUlUdiction of. prt>ba", SltYn eblln. 01 banl""plCY coun. TIle f1fing "I a cotITt actio.. 10 an."I" no<:or<tIng 01 • ~ cI m.
~n<iJng ..c1icn, lor ordlor 01 .n.<;hment. recerve",h1p. In}unc:lon. or o~ prav;"o",,' r"mediM, sm.11 not con$lJtlJla .. waPlHlr f1f the
mediation and .~tion provialo!\S.
(3) BROKERS: Buyer 'IIl(I S.llar 0151"'" to rtMdlaUl and or both Broka",. ~lent with 11 A
atbltr.tt. dlspyln or ,,!>rimS involving .~
~ ..cl B. provtd~ eJ~ or bat" BroKlW'G shall I'Iolve ~ to such mediation 0<' arbitral''''' p,ior
or withJn • reasonable time all»r. I"" to,
dieDUlJP 0' c1.lm ... pn!~ to Brolu!1'S. A,." election II} ell","r or both &rokers 10 partlcipelll In m"d~t",n or ..rbltration $h3. not !'Mull
in. Brok"... belnll ~ ..m.d ~..... 10 ~ A,g.-ement.
'"NOTICE: BY INITIALING IN THE SPACE BELOW YOU ARE AG~EEJNG TO HAV~ ANY DlSPUn:
ARISING OUT OF THE MATTERS INCLUDED IN THE 'ARBI1RATION OF DISPUn::S' PROVISION DECmED BY
NEUTRAL ARBITRA nON AS PROVIDED BY CALIFORNIA LAW AND YOU ARE GNING UP Afti'( RIGHTS YOU
MIGHT POSSESS TO HAVE THE DISPUTE UTiGATEO IN A COURT OR JURY TRIAL. BY INITIALING IN THE
THOSE RIGHTS ARE SPECIFICALLY INCLUOED IN THE 'ARBITRATION OF DlSPlJTES' PROVISION. IF YOU
REFUSE TO SUI3MIT TO ARBITRATION AFTER AGREEING TO THIS PROVISION, YOU MAY BE COMPELLED
TO ARBITRATE UNDER THE AUTHOR.lTY OF THE CAUFORNIA COOE OF CIVIL PROCEDURE. YOU~
AGREEMENT TO THIS ARBITRATION PROVISION IS VOLUNTARY."
"WE HAVE READ AND UNDERSTAND THE FOREGOIIom AND AGREE TO SUBMIT DISPUTES ARlSlNG
om OF THE MAnERS INCLUDED IN THE 'ARBiTRATION OF orSPUTES' PROVISION Tn NEUTRAL
ARBITRA TION." ra;;.;;;'~I~ I S<>,~,.s Inrtlolls
- ~}
Buyer~ ini:lal,. ( ,~) ( I ~

COpy"lq"l' Ct "P1·101., CALIFORNIA A5S0CtA"7:0hl c~ p.~!.. ":'"OR5e.
RP,A-C,o\ REvrSED 10:'02 (pAGE 5 Of- 8",
oNe I
, ~..,~
seller, ""1'315 ,
b-o' Oat.
)(
d )!::
=-'"~.:.~
C"L1FORNIA P'£sIOENTIAI. PURCHASE AGREEMENT (FlPA-CA PAGE ~ Of' 8) I021'12JQ.<;f>;
614 / 745
t c
-t i' '. A
'~''''~,'~P''J .".~"
1
:::::~
I., ... _
~!.
.:. -' r.. • --'
~,..... ~....-\,·,t._L
_
.n"'3'
,o:. . .. JKER:
U I..... ~
~ ~J 271 t,(l34 ;
,~tI4R.04 ES.e 3EP'22-04 3 :54P'J,
p~G;:
?A;;E 7/"5
89
?rCDeny A:;~re5~' ~ e ~ ~ _ ..frCY....e.:...l..::nl1...•.;..

' .Il.:l_;..;:.aA...-l:9J<9£2"':...
2 ~ _ Date:~er 4: "1",c,.,
13. PRORA nONS OF PROPERTY TAXES AND OTHER ITEMS: Unless O!MrwJ~e ag:een 10 wrilJn\j. the following ·t~s sMail be PAW
CURRENT and piore:ed t"rr,.,,,,,n 8ey.,.· and Selier CIS of C,os.e 01 Escrow: r~al pr'operty 1axes and a~essmenl', Interest. rems.
HOA reO'Jlar spe:181. and 9c:lergency due~ end aS8eSsmel'lS imposed prior 10 Close Of Escrow. p~miu~ on Insurance 8s.sumed
Dy Buyer. payment" or bonos ;md ~s3essmenls d:>5Umed by Buyer, And p"ym!tnls on ~edo--Roos and other Speoal A:>ses-sment
C,SL'l(;1 bO<'ds anC aMessmen15 that me nO'>O' a [·en. The to,loWlng Items shall be assumed by Buyer IMTHOUT CREDrr loward the
p'.Jrchas~ pn=: pro.ated pa'im~nt& on M<>lIc>-Roos and ather Specsl A'S<!l;sment Distn~ bonas and """e~$rT\entt. and HOA l>peoal
ossesgment" It'Bt .'C nCV'J ~ Ire~ bul not yet due. Property "";il be r~llse"6ed uPon change of ownerohlp. Any ,upplemenc.l tax biUs
$.~el: be p3,d '" follOWS (i) 10· p€-',OCl • .;,tler 005" [)f E!lcrow, by Buyer: end (,II for periOd" pnO" 10 Close Of E&<:row, O'f S€Uer, TAX
B)L~S ISSUED AFTER CL8SE OF' ESCROW SHALL BE h~NDLEO D'RECTLY BETWEEN BUYER AND SELLER Prorations shOllI
be rn;;<0€ D3s~d on .. 3D-aay monlh
19 WITHHOLD4NG TAXES: Seller and Buyer agree to eXl!'cufe any rC\Sl!\Jme:"l\. affidaVIt, statement 0( instruction reasonabty necRS&ary
to comply with federal (F !"<PTA; and C.. lrfomj" wltt'>holdl~9 Law, H reQuJred (CAR Forms AS lind AS)
20 MULTIPLE LISTING SERVICE ("MLS"); S,O'.e,,, .. re au1r>or.zeO 10 r"port Ie the MLS" peMIr>g sale and, LJ?Of1 Close Of E"c:rnw.!tIe
ler('1' of Ulll> l' an."e"on 10 be pubilShlOO anD d,ssem.n.atec 10 per60n~ and "nti!k-s authoriz.ed 10 ... se lhe inlo~lIon on term.
Cl:JprOVed by the ,\1LS.
21. EQUAL HOUSllliG OPPORTUNITY: Th,. Properly IS .okl in compllOlnce wiltl federal. sl<Jte imd local anti.<JI/Ocrirnin.ation Laws.
22. ATIORNEY FEES: In any aC1'on, proceedln9. or arbitration o,;,!w&i?n Buyer and Seller arising out of this Agreemt':nt, ttl" pr@'lr;>ll,ng
Buyer 0' S"."r snail be enl.1leo to reasonable attorney lees and = 6 from the nOfl--prev";fing Buyer or Selier. excepl a6 provided 10
paragraph 17A.
Z3. SELECTION OF SERVICE PROVlDERS: If B"Oker$ refeT Buyer or S",ller to pen;on~, vendorS, or :Sli'r'!~ or product provid....
rProViderll'). ar(',ker~ do no! "uaral1lee lhe perlormance oj any PrOViders Suyer and seUer- milY ~9Ct ANY Provrd«'<! lJf \nelr own
choou19,
2a. nME OF ESSENCE; ENTIRE CONTRACT; CHAHGES: Trme Is pI !he ~ce. All uno"r&~dings be1weell the p;lroell ere
incoIPor.rilild If) th.s A9r~enl. !IS terms ve intended by the part~s 01& e final. complete and ",xc!lJalve exptessJon of their
Agreemen1 wrth res~Cl to IIi subject matter, and may nol be contrildiG1ed by .vidence of any prior <lgre€ m enf or GOrrtemponmeous
oral B9r~r.1en· If any proYl.'()f'l 01 InIS Agreement ili held to be Inet1ec:1lve or invalid. th~ r!mla""tlg provisions wil/ ne'Vltrtttete" bli
••ven lun lorce and "l!~. N"it.,.,.,. this Agreement nor 81'Y prOVl$ion in it may be ..",tended, amended, modlfJlKl, attere-d or
changed, ""c"pl In writing Signed by Buyer and SI!IIer.
2S, OTHER TERMS AND CONDlTIONS inc1\Jding "rtaet>ed suPoiemenl5
A. 0 Buyer's Inspectio!J Advl40ry (CAR. Form BIA)
8. 0 Purcnase Aqreeffi€'f1! Acdend"m (CAR. Fotm PM peragTllpl1 numb9rs:
C. Se.ller to E4.i:...-~~--I;..1Q",;inq cQ''t' W an .M1QUllt P9t: te seaed' 21 ( b p P6rc.,.o.c:t of: J:hf rJ,.nM
pu.rdJAS' prJ.cc:, S"ll.r ..if' . n.... Wt bl.tV!1r "".Ids- ..J C..l,j_;:ornia Rr", 1 I i ' ref tc L.1.oen",.·
26. DEFINITIONS: A, "Slid"'; this AgreA>ment: .

A. "Accepb"""n means the time !he otler or f"'al counter crfIer is acoepted It> writing by e party and is dolivered to persoOl.11y "no
received by Ih" orner party or thaI part)! $ "u\nortzed agent in accordance wlth the terms of this ofter or a final COUnler ofler.
8. - .... gmeml>rtt.. means 1tJe terms acrd co'ldllI0n& aI tH.s accepled C.lIifomia Residentioll Purch<aee Asreenwnl· and any aocep1ed
counter oilers and addenda
C. ·C.A.R. Form" rnel!M t"le specific form referenced or ,mother comp8r3bl!l form 3grNd to by the p8rtie:s.
D. ·CI~. Of !:.scrow' means the date the llr<lnl deed, or om9r ~idence of transfer 01 title, is re=rded. If lhe llCh~uled close of
I!scro.. lall~ on ~ SaW<day. Sund<lY or legal holidilY. ~ cI~lO of escrow shall be ttle fl8lCl businc$$ dory OIlier the 6dleduled
~I()~ of escrow date.
E. "Copy' "'",ens copy by .. ny mean:; including pho1ocopy, NCR, facsimile and electrOfllc:.
F. '"03ys' means calendar oa~, unli/SS otherwise rSQuired by LlIW.
G. "Days After'" means !he speCified l1umber of caletlCllr days lifter the OCClJlTenclO of tht': l!W>ot spee;flftd, not colXlting t/'lll "2~
Oft~ on ',j,mlch!he speci1iflCl event occur~. CinO ending "t 11:59PM on the 1irwl c!;ry.
H. "Oays f'l1Qf" means 1M!! ,,~d nllmt>er of d1lenaar clar-> before !tie tx;Curnmce 01 the ...,..." .. petified. ntlt ceunIinQ 1M
calendar dljlte on whir1' Ih" specified event is schedUled 10 occur.
/. ''Electronic Copy' or "Electronic Signatunl" means, as "Wlicilble. an elec1ToniC copy Dl signanre complying wi1tl Certornia
LAw. BiJY~r and Seiter agree thal electronic means wi. net be u~ by either Pllrty to modify or Mer the content Ot inl~litv of this
Agreeme~ withoul the knoWledgrr and COtIS4>flI of the olhllf.
J. wLaw" meanS !lny law. code, statute. ordinance, l1'l9ul<ltlon. Me or order, whictl is adopted by a conltoUing city, county, SIaU! Of
!edlOl1lllegi,lallve, judlCJal or executive body or agency.
K. "»otic.. ll; Buy.... it> P"rionn" mean:; a docurnen1.(CAR. Form NBP), which $t'lall t>o In writing an<! SOgned by Selle< and shaA
give 8uyer at I"ast 2<1 hOUrS (or as otherwise specillo!d in parag"'ph 14C{4/) 10 ~move " ccnlJng~ or Pilrlorm .5
a pplicablP.
L "Repairs" me.ns any .epair.. (indudll'9 pest control). alterations. relJlscam<lnts. moQfficaliQns 01' retrofi1tjng of lI,e Property
provloeo !or unaer !hiS Agree-menl
M. "Signl>d" "'leans Qlrher a ~;'lndwrtllen or electron/(! signature Ofl an original documertL Copy or any Ccun1e'1lart.
N, 5,ngulBr :md Plu .. llom,s eaCIl ,m;JUde the other, wi'lef1 aporopriate.
8wye~. "'~<AI. ( ~
/7~(;[ _
1~_
In/1j;,l. {
!eiler's
Ct.Pf:"'Pr-; e 1"9~ .:10'~ :' ..... Ll,cUl-u:LA A$t.Co(":w:. TION or: RtAl TOR~ INC I
ri.PA-CA RE:VISE'j 10J02 ~DAGE 6. OF 81 R...,~ C)' O~( ..
~~~~
C.. lIFO'INIA R£~iOENnAl PURCHASE AC'REE'JlAENT IRPA-CA PACE 6 01' e) T62892Jn ?rX
615 / 745
~, \..l !!
f-->(.·k~ A'
18!22/2C04 15:~2 .i375?i MARA E S ' . Pill';:: 1 fl

~ ·,n.C:"l, 21 0 ~71 4e3~J SE c ·22·04 3:~5"M;
- .... L,. ...... , . . . . '- L! ....
::c,G~ 8.'15
Pf0pel"t'lMdMSS :'2;,) ~ );,E.C~_~ev"""")· e:""'1. 1-:6 ':]921. Oate:-Sertflljllb.,. 4 ~CG4'
27 AGENCY'.
A DISCLOSURE: B'.Jyer ""X, Seller eacr ~c~:"owledg~ P[10' r~lpI or CAP. '0",., AO 'D,$CJo!>Ure Regsrjmg Real Es:me Age.~cy
Rel"lJOI'\~hlps . .
S. POTENTIALLY :;OMPEiING BUYERS AND SELLERS: BlJYer ~nd Sel.ler eac~ ad<nowll!dge receipt of a di"",losure 01 lIle
possib<liry of mUIlI~le representa~on by me 8"Oker rep'!'genting that PCTlCJDaI. This disclosure may De par. of a ;iSlrng :l9 rellmern.
buye'-broKer agree mom or sep""'l" dOOJmem (CAR. Fomn DA) Buyer ur>derstiloo, t~et BrOKer repre-senl~9 B~ye' rray also
represenl othe: cotenllill bJyers. wllO may corsider, maile offers Or> or ultimatt!iy acquire tl1e Property. SGII,,, unoerstand' !tl;l!
Brocer representing Sel\8r re,ay also repre96T1t Olher sellers wrth compel'''9 propert,es of ,n!e'''';l to !hl~ B"y"r.
C. CONFIRMATION' The fc::c',lJmg agency ralationsnlps are reret>y r.onfirmed for tnlS rran;aClion:
Listing Agel1! ._ _ CC,lC...... l .BanKer

(Print F:em Name) 's the agent
of (c:lec. o(6) I2l ("e Seiler eXcJuSiWlIy or C both the Buyer and Spfler
S~Jlmg ,Ag«~ Grif£in :R&~ ~~.ap (Ponl F:rm N8m~) (if net same
as Listing Ager:1) Is tne "-;lent 01 (cilcc" one): III ttle Buytllr exclusively: or 0 lt1e Seller ":tCiu5lVP.ly- or CJ lYXh l'le BCl)'tlf and
SeHer. Rea! Esl.3t41 Bro"ers are not par1'!'$ to !he Agr..emffit t>etw".. n Buyer 8I1d Seller.
28. JOINT ESCROW lNSTRUC,lONS TO ESC!=lOW HOLDER:
A. the following p<l1"it9",ph$, or applicable portionS'the1'eOf, of this A9reem~ constitute thlt toint l'&crow instructions of
9uyl'r 'lnd Sell,r to Escrow Holder, whim Escrow Holder is to use along With any reli,lt"" counter otter~ >!n(j addllOda, snd ..ny
additional mUllial in.truction~ te cl~ lhe escrow: 1,2,4,12. '36. 14E, 18. 19. 204 2;;6 and C, 26, :28. 29. 32A, :35 and
carasr:3p(l 0 of me SElcDon litled Real E.lale Brokers on pilge a.
If a Copy of Ihe separate compensation ilgr~mem(S) provided
for in p~ragraph 29 or 32A. or paragraoh D of the section titled Reel EstalG 6rokers on P<'98 615 deposited with ESC'o\.\' Hold.r
by Brokar, Escrow HOloPr shall accep1 .uch agreemenl{$) and pay ouc1n:>m Buyer's or Sel~r's fund$. or both, 83 applicable, the
Bn;>I<"'s compe,,~abor. prOvll:led to, in such agre&menl(s). The lerfJ'\$ erod cond~ioM of t'lis Agreement no! set ioT1h >n th9
5peOfJed pi'lragrllph:'l a~ additIOnal mmtet3 tor the infof'm;llio., of El.CrOW Holder. bur ilboul wtliCh Esciow Holder need nol be
conceme<l 8UYl!r <1nO Seller will receive Escrow Hold"",'s general provisiooe direc:tly Irom Es<:row Holder and 10111 flXPCVte such
proviSlCflS upon Escrow holdars ,,,quest To the utent the general pl'Oll~ion.s are inronsl6terrt or corlfid with lhl5 Agreemrnt,
lhe generlll1"'ovl!lons will control ~ 10 the dlJlies ;nd obliglloons of ESO'ClW Holder aNY. B~yer an<! Sener will exeaJ1.. aod~ionaJ
If1struclians, documents and torms prov'ded by E&crow HoIOvr tt1at are re".onably neces:>ary I<l c!er.. .. the ~CT'OW.
8. A Copy of thl~ Agreement ,~II bfl delM.-red 110 Escrow Hold8r WllhirJ 3 busll1~ days lIfter Acceptance
IOf 0 __ ). BuYer and Seller aUlhortze E..,;mw
Holder 10 ..ccep1 ..no rElly On CopIeS and Slgn"tureS as definQd ,n thi. ~reement 'I' origiJl3ls. to open """""OW and for other
P\JrpO~ of escro",. Trw valIdity or lhil Agreement 01$ cetween Bur-r and Seliei' 15 nol iI'fleded by wnether or when Esauw
Holder SIll'" mls Agreemerrt.
8rulU/~ 8rlJ a party to m., "",crow for tho> ,""Ie pUlpOS<O of compel1!lation pur&1lant 10 paragraohs 29, 32A ;JI)(l paragrap/1 0 of the
C.
sedian litlt'd Reel Estate BroK~ on page 8. Buyer Rnd Seller if'revoWlbly ao;slg" to Brokers =mpcn""lion 6pecdied in
par8gl'8Phs 2~ ar>d 32A. r"lpectively. and irrevoQably Instruct Escrow Holder to disburse thaaR ful'ldl! to Bro\(ers at CloSe Of
esClVW Of putsuam 10 any O'ltIer m\J\ullly elleoned C::2lm:eIIatlon -agreerne1lt. Compensation instnletions can be llmend~ or
r""okrtd only with tnc \'Inllt'n ronsenl of SroUrs, EsO'OW Holder sMII rmmediate!y notify BrOken>: (I) Buyer', initial or any n
additional deposc IS nol made pursu;onl 10 !his ~feement, or i$ not. good at time of deposil with Escrow Hoi"'r: or (il) If Buyer
and Sel~ instruct E~ow Holder \0 cancel lt$CrOW,
D. A ::;t>py Of any aml'mdmen1 lhat llf1ecu; any palllgraph of this Agl'ftfl1enl for whicll E$C(OW HQlder is responAible ShaW be
deliVered 10 EsCf'Olotl Holder witn", 2 b<J~nes~ days after rnJIual GlCe<:ulion 01 the amer>dmenl
29 BROKER COMPENSATION FROM BuYER: If ..ppliC2ble. upon Clc,.,. 01 E5C1tlW. Buyer agrees to pay compenslllJcfJ to Broker es
specil'ted In a sepoorale wnt\er'l agreement bet.¥een Buy.r and Brol'.er.
30, TERMS AND CONDITIONS OF OFFER:

This i' :11'\ offer 10 purcl1a$e tr>e Propeny on Ihe above tem'lS and condil!o11$. All par<>grllphs with sP<lc~ lor ,nllJllls by Buyer and
Selier are incorpora!~ in tnlS Agreemenl onty n inili:!lled by _II parties. If at least oni! bvt not all Plilrtitts initi..,•• CQurtter offer IS
required until 39r~mem 's rcacl1ed. Sen£>r hM !he rigtlllO continue 10 o1't9f thl/ Properly for sale ancl to accept any other offer III any
l:me pnor to ,,()tifi~tion ~ A=p~nce. Buyer has read and ackncrw1edges receipt of 3 Copy of the offer lind .;~ to ltle ,~
confirmalion of agency relallonshlpe. 11 this orrer is accepted and Buyer su~"quently defaults. Buyer may be r~;>on",1e for
payment 01 Bt'ol<ers' rornpens.atlOf\ This Agr~ment ilnc any !!.uppll!-rnenl, addendum Of modifJc<rtJon. incloo1flg eny Copy. m.y be
S:9n~o rn two or mort! counterparts. all of which 'hi/II consVluta one and tr,e same writing.
Bu,.....s ," .....1. (

Sa:~rs :ilJtl~lS (
~) ,(
(- -- I
):::
12J
1OQ~ .:zooz. '..:..ALJ"'G~,"l;A .;SSOCl.c.T1 ON or REAl ro~~. INC
C~v".. ~nl ~ ~ --,
R~".c;.. REVISED ~()IC2 {PAGE 7 OF e,l J RtN.o4'WKloy 0;;:". ! ~.~
CIll.IFOP.H:A RESID&NTlAL PURCHASE A(>REEMENT II'.PA..cA PAGE 7 OF &) 1'~1~~3() 1FX
10
616 / 745
,l
c- :(~., -/1
1,:'/:2/=cE!<l
:;,
ProDe~ACo"'E:oliS: ~2'i';
15:42
vv_J'1.¥':=,:"'. Ij~""'r\::}-j;
.51'1'53:
£ ... ~~ ~__ ~.c7Z:,{~Y ~j;l';

3~D
'-'<.
2/'
9()'JI2
4834;
rv1ARA E. SEP'Z2-04 3:Ee"M;
O~te:~
PA~E
,~~
p ..-.\.1!:.
1:
9;15
3~. EXPlRAilON Of Of~Fi; ThiL ~r Sh;JjI O~ c-eerned reVOKed al"",(1' riB csposr': ~~tl ~ returnee IJME!'$.S lhe offer C50 S.gne<t by Sell'el""OO .. Ccpy of the

~'On{>d ()I1E'f:'3 ~e~~0r"13Iiy recel\J'O by Buy(;f, 0" :iy • l,l,Iho I~
[h';~r"\r:)/c::~o ~() -e-cewE' ,t Dy 5,')0 PM 0·"1 me :~Il\f c.aierlidiF d~y ~",,~ th~ cFfer ~ s,..".d by Buyer (Or rt c~ [J tJy
0 =:J
-Z;:ii~~ ~
/7 ._----'"/~--_ .. (dille) . 01 p..M PM}
::>.Ie .' I /. .
o;>r" _
BUYE;- ; : 'i,d C~==---:o=--o;;..... _ BUYE:R
N:i..v~<!. SameM ~_~
rp".~, lIIam~)
(pn"t~mej
122 7 J/22 .A.l::zf?d S 'tr&3Pc.

u L0..iL-lgl..9-t=.~ CA 9CQJ"~~_
;Addressl
J. SROK~R CO~"[;NSATION 1"!'l0lil SEL~ER:
A UpQl1 CloSe Cf E.sc.row. Selk'l•• gree.s to pay COtT'O(u'l ••ton to ElroltEr as speof\ec In 6 s-&OQrOil\e wNtte1 .ag~ernont Oe1'Ween Saller ~nd 9:""Cker
6 If escow d:;)cs n;:rt CJ05e. co~nB;it]on rs p.e .... stde as :>De'CifPed Iii tn .. t '5epamt1:: wrmen 99reemeflt.
33 ACCEPTAJirlJeE OF OFFER: S~:er w;;tr'~nts ,tis: 'Sfl:i)Q' 1S,l:t'1"e own!!f ot the Prooerty or M,.,:; the authority 10 ~le thlG Agreemenl Sene' ~s ttlt"
.8oO".. e oNe r . ~erees t.:; SQll! ~'e Pr~De~!!,' on :r-;e .1t)OV@ lJjfTTiS and COI'\Crllcrrs, end d9~$ to ~ abOve confj(~IOI1 of ~rlcy re~all()nAJlIps S<'lllef nO-!
O,tg
=
'.og and aC,nOWl<"OgK ,~c.e'!>\ of " COpy of t'1<S Agreement and auth",lZl<S Stc;..." te de"".r • Signed Copy 10 B"y,,'
(It cl'ed<.Ald) S'JB.iECT TO ATTACHED COUNTER OFFE!'!, OATeO
Dale _
SEL'_ER SELLER
"'~hl=",:1",}f
.. _
(PrimN.m.J /P11r.t~
lAO<l',,") ------
I
- -r;n~"'I.)
CONFIRMA TlON OF' "'CCEPTA~E.; A Copy of Signed A=lan<>e "'". pol<$onally =y BujlOr or 6uyer's "uIMriz.ed "'eel"""
"G"nt on (d~I") at _ AM C
PM. A hlllC1/ng ""greem"'" is c......a>d wt-.e-n 0
a copy of Signed ACGeptilnl:e " J)f!"5onillly re<:etved by Buy., Or &.Iy""" "utnorb:1ed aogenl wtmu-.&, or l10t conli1Tned in
thi$ <It>c.um,,,,t. Completion (1f thlS conflTTn:ltion ;., not '9931ly fflqY"e<l in l>I'tler to;rn\e iI biooinll AB~",.nt; It It. SO\~lI
Inl@nced to e>lld~""" the dale tNlt C"nf'rmlltion of Aceepuncel'tas oCCU ........
I
!'lEAL esTATE 8~OKERS;
A. Re.aI E!SClU> f:! rtlkel't> .. , . nat ~rues to m~ Agreement ~~..., Buyilr and Seller.
a. Ag.qncy ral.~t10nsDiPt- .are connrrned as ~bt.*d in ~ra;r;a~ T1.
C. H specfied ,., D'lOlg.-eph 2A. Agent .mo ~ubmilted lhB 0"",' lor ElU)'t, eCknowledge:< ,eCllip! 0/ ""posiL
0 COoPERATING BR<JKCR COMPENSATION; ~$ltng 6raker i1g"M \Q l"Iy Cooperating 8roka' (Selling PH'...., ana COO~rall"9 Sl<lI<er "9'eII'~ 10
.~ out of LJ,""9 B,()k.w $ ?'<X:eecs In ~w. (l) \1'Ie a<rol,lOl "I'"",fIed In tt>. MLS. pn;rvi<led C",>?"ra1lng ~ a ".rt~ of the MLS lf1 a.oo...
w."cn
lr. ~Ity IS cfI<lrea lor '$a" or. 'eWoc:Jl MLS: or (II) C
(II "".ckrd) the ~moum spec.ir..d In . . . ~ _ n all_ _ 1\l ICAR. Form
CBeI ~Moeen U$/i") oro••, atld Cooperaling Sroka,.
. " ••1ESC'lle Broker (Seiling Arm) .!ti.1J<!:~.. a Gn;Cfin &,,1 ton
By .- ~;'LU! 5<U:!4A%j Dale S~tgmber .. .:/ClO4
f>.OCress .l.U.;l_~~~ !>Qalt>'V!!.rd CHy QIS An<?!! lA, _. St.te Cll .t

Z,p 90Q2I
T~pho"" r310Io17'-H'3: ____ Fe. 13231 8.,1-~J78 E·rT\iIll n<l;upa;m,1eaql. s::S;S
R..at Esta,e 6rOi<",r \Li!sUn\l Firm) l:;".ldve~l BanJo..r
By Dale
Aoa"",. - City SlaW ZiI:
i.p~p1\one 1" •• E""",II
ESCROW ~OLOER AC-'Ol~MSNT:
~ow Hold.... acknowledllcS '_'PI u,;/ Copy Qf til;'; Ag",emenl (~ctled<ed, 0 .. depo!lll In the amount 0/ S l·
courter~rm""nbe~ __ ;ma
• and ag,",fl$ to .cl .. ~ Esoow Harder aUbjed to p8",grap~ 28 of this ~me-nt any
!upp"'mQntli es=row inwuc!iona .net t~. IRml5 01 ESCIOW Holdera g&neral PlOV"'IOn!.
Escf"OV" t-iold<:r " ;,dVI'SeC1 mat the d4'te 01 Conf,~jon of Aet:ePtIlrnce d tne Agrecmem as ~ n Buyer and SlUW i:::s
E>avw Hol<ler _ _ _ _ _ _ . E1!cr...,. •
By Dale
Ado"'M_~ __
~on.,I'.xIE·rrWl __
-
ucr"" Hoi<Jef '" I,ce,.,,;ed by ~ Canromia ~~..nmen1 0: 0 Curpo<al>on•• O Inovr.nce.O A&al bmw. l>o<:ue.
,
1_ _ : - -) REJECTiON 01' OF'FER; No counter <riIer if bQltlij mad&-. This olter rev;.,WOd and re!eaed by $ellou on
-~
'Se"~r'~ 'nlllab) (~tel
ri-"S H;RM KAS e,EN APPRO\IEO BY -Ht: CALICORN~ A-"'~OCIA-;'ION OF REAl,TOR3!l teA k). NO REPRESENTAnoN rs MADE AS To T>;! l.£(lO,l VAUorrY OR
;'O~OUACY 0.= A",/Y D"ROYISJON tN AN .... s.oF:ClFIC -RANSACTIOl-f A R&.Al iliS'TATE BRO+::E.~ tS TI1E PER50~ aUAUFIED TO AD'ME ON REAL ESiATE
T:=.A.Ns.:..cnGNS. IF' yOU iJFSJr« LEG.AL CR TM AOV'lC-Z. CON~l. r No! APP,I\OPAIJHI pqOFE·SSIONA.l
r"'lll (CX<Tl :e .Q"el~l)Ic "nt u~ tty I ~ l!"lbr4 ~t es,131!" 1f\:J1.l~:ry It It. no~ rt\1IIJno.t;t1 to >OCnt11'Y '1:1! u.&e'" Ba ::I REAL TO~ .REMTO~ IS 8 r,e,gtSteted COIWlC'J.... ~ ; ) rn...t
....... ~~ t':"\.:Ij b' u_ed :m1'y :ly l'T'e~ c~ 'Tl~ ~110NAl AS5,XlArLQN OF R£A.LTOR..5fIt wno ~ .. oS(;r;t>t. to!'".t. Co:k of Etl"lfC4
~
1..Ff
hr'~'
,.
'rI':UeM'"
• ...
D"~""9d by thr
CIiJJ/tornla .~O'Cliiti()l) or !~EAl TORSe
!r;::--
KIP .... le"l""ea til'
D
8tI!'
==oJ ~
... :.-~ ~
RPA.CA REV1SCD 11;.1021PAv;E B OF e;
c,.o.llFORNIA qES'OI'NTtAL PURCHASE AGREEMENT (f'!.PA.CA PAGe: 8 OF 81 '! 52S~2307~
617 / 745
,'-- '.' i
_::::X h. /4
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... U/.;.,,:::,'::'~._'4
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31:J 27~
"lARA
45J4j ES,ttEP' 22.04
3:S7~\I;
PAGE .."
p;,::;o: . . C" ~ 5
i~
c A,.:" I to 0 R f',:! 1\
A.s~nc l!\TlON BUYER'S INSPECTION ADVISORY

OF REA:"'.I 0 "S ~

Proper:v Address 3ZC ;;~~.lo:. I::'=3.ve,

leA.H. Fonn BIA. R"_e<l i0102)
Bc;y£.ely H:!..ll~. CA 9021.2 (' Prooerty").
A. IMPORTANCE OF PROPE~TY tNVESTIGA TlON: The phySlQl conditioo 01 m~ land am' 'r'lprovement'. being p'~rchase<l is nOl
guarar'lleed oy el:~e' Sell~ :if "coke,s For tnis reasen. you shoold cor,O\Jcl t~Drou~h i~ve5tjg<3tlon~ 0: t,e Property per=ne1ly and wi~
:>rofess,cnals who should DrGvlde wnll£n repo'1S of Ihelr In~~stig'H,ons. A general phYSICilI insoeCl1on typically does nol cover all ilSpeclS
::>f The Prope'1Y "y ,Iems ,rH~eti"19 the PrOpert'llhal are not physKaAy located on the Pro!"'rty If the proiessioMls recommend turtl1er
:nves~gatlons ,n,)uOloO i1 remrnmenC1cmon by a pes: control ooere\or to insoed inaccessible area~ of the Property. yoo should GOnlaet
qL.liflad ex;>",,,.s ~o cc!'\du.:7 sue'" ~dd·~'D"alll1Ve'3tl::J8trOn.s.
a. BUYER RIGHTS AND JUTIES: You have an 3t!irtrlar!ve CUll' to exerd~e reasonable care tD orutecl YOUl"Slf. Ir1chY.llng dl~"ery Of
the legl1', p"aC!,=1 and t~nn,c.al ''''''pl,calIOns Of discloSed facts. ano the In... esUgalJon and vc>nftcahon af Information ena raets th3l you
lenow or ihat are \Vlm,n your :llligent .ttentlOI" and obseNatlon. The purc.h~ agreerne<11gi"es you the 'lgMt to in"eo;tigate t~ Property. If
you eX8rCo~e :"is '1ghl ~nd you shOuld. you must do so In accoroance with the term>; of thlllt <l9"eemcnt. This is li1e ~t wooy for you to
prC1\Qct your~lf. It rs ,,>1 rer:;ely Imoortanl tor you to read dl/ ",rihen repor1S provided by profes5lonals Clncl to discu5& the r~~s of
Inl'oectioos '".,lin the prc~sSJonal wno conducted the in~ClIDn. YDU have the right 10 request that Saller make repairs. cormClions or
talc" other ect,on cased "pon ,lems olscoveced In yeur iJw~Sl1g.hons Of d~closed by S~ler. If seller is urw.f1l1lng or uneble 10 Sd~'Sfy your
reaueS1S. or you de not Wi""! to purchase the Propsrty in ItS disclosed and disco:>wred condibon. you have the fight to cancel !he
a\ilreement if you acl w,!h". specific ~mc perio~. 11 yOIJ do not canc~ the agreemer'Jt in 9 timely aO'lO proper manner. you may be in
bc"'e8ch 0( f.;ort~r.r.J
C. SEU.ER RrGHTS AND DUTIES; seller IS required to dLsclose 10 you mllterial facts kl\OWn to him/her thaI affect t/'Ie value (l(
t:le:sirabllity of ,he Property. How~ver, S~"'r may nol b. aware 01 ~me Property oefe~ or conditions. &oller does not halle an obli9aIIOn
to in,,~Cl the Property for your benefd nor is Seller obllg31ro 10 repair. correcl or Ol/lerwise cure known defeCllllh8t 8f"e disdC)5ed te you
or orelliously unknown defee.s mort are discovarnd by yoo or your inspectors aunng 8&Crow. Th& purchase &g~TTI4lnt obllgare5 Seller to
make \l'Ie Pro~y available 10 you for jMes~gaticoS,
D. BROKER OBl/GAI10NS: Brokers do not have expeMe In all arees lmd lherefore cannol adv~ you on many Items. such as $oil
stability. geOlogic or "nvlftlnrnental condnior>s. tl;u..rOOU$ or illegal controlled su~uHlces. SO"UclUnll =ndihOils of li1e foundatlon 01' other
impr'O'\lemenl~, or the condit>on of It>e roof. plumbl"9, he\JlinQ. air =ndit\onl~ eledrkal, s.ewet. f>e\)tic. waLle d~. or other S)'6Wm.
The O~y way 10 a::curatel~ om.rm"''' ll\e ·CondltlOn of ~ Property i~ through an Inspee:tlon by 8n appropn"l<: p1"Ofe6.olo""l .~~ by
you. If BrOker gi~ you referralS 10 ,"m professionals, BrOker doe" not guarantee their per1orrrnlnce. You mOlY ~~et ~ protesJ;ionl!ll
of your e:t>ocsIf\9 Ie S"l>e$ involvir<g re~denti ..1 dwt<Ulngs with fKl more than rour
~nils. Bro,",ers 1'18..." iil dutY to rnal<.e a dilGent vl3U21
1f15ped1on of the !ccessibk> erebS of the Property and to di&CIOlOll the results of 1hoIt inspwClioo. However. as some Property defects Of'
conditions mOlY not be dlllcOVerable frum 8 VISU.' inspection, tt 1e poS&it»e BroI<~ are not ..~ of ltIem. H you nave ....tered inco a
written agreement y~th a Broker, ftle specffic Tetm8 of that agreement wi. delermi<'le ltle nsture and ~Qnt of lh8t Broker'S duty to you.
YOU ARE STRO~lY -'DVISED 10 ,tNESTlGAl'E THE CONDITION AIlD SUITABlLrTY OF AU. ASPECTS OF THE PROPERTY. IF
YOU 00 NOT DO SO, YOU AR! ACiING AGAINST THE ADVIce OF BROKERS.
E. YOU ARE A[lV1SED TO CONDUCT INVES11GATIONSOF THE ENTIRE PROPERTY. lNCLUOING. BUT NOT UMITED TO THE
FOLLOWINO:
1. GENERAL cmlOlTION OF THE PROPERTY, ITS SYSnMS AAD COM"O"eNTS~ Found:o~on. rod. plumbing, heating. air
cond~ion,ng. electrical. mecharnC<lI, t.eeurlty. pool/wa, other 5tf\.lClUI':Ol' and non'$1fVClural "yslems .nd componen~. filClures,
bUilt-in aDPliances. any peraQflal property included In th.. SoCIis. and el'lergy E1Ilciency of ttle Pr()pert~. (StruetUl1lI ""!JinoorG ilfe best
~uite<:llo determine powble design or construction defecl5. and whe!tl« Impro~ernerrts are stNC1uraily ~md.)
2. SQUARE: FOOTAGE. AGE, BOUNDARIES; Squilfll1ootaE/e, room dirnen~ons. 101 size. a9fl of impl'OV1tfTlenl& and boondarie$. Any
nUfT1t!ricel lItaTemenb reg.. rdifl\l thllse iHtm5 are APPROXIMA nONS ONLY lind have net be6l'l veri1ieO by $el1t:r and cannot be
verifled oy Brokers. Fen~, hedges. walls retaining ..",all~ Clod other natural Dr consll'ueted barriers or markers do no! n¢Cl!S8l>riry
iden.ify leU", Property oounoaries. (profe5Slonals sur;:h as appralSe~, ilrt:hll9CtS. sUfVeyOf'S and civil engineea ilre bef;t suited to
determine square footage. dimllnSlcms :;lnd tloundctries of lI1e Property.)
3. WOOD DESTROYING PESTS: Presence of. or e<>nd~ion~ ~~.ely to IQ<Id TO the presence 01 wOOd dastroyillQ pests and organi:HT\5
a1Id ctner mfesT;,hOn 0' mfection. InspectIOn reports covering these Item$ can be separated Into two sections: Section 1 ioe/'ltifte$
a~llS wrrere ,nfe=tiofl or infecnon is e... ioent S ~ 2 identifJo!s lilre<lS lIVtler~ there are conditions ILk€ly to lelia 10 inf&Slation or
J¥
rntecllon A regJslered sTruCUJ/al pes! ~nnlrol company is be:!>{ s~ited to perform these inspectiorlG.
The CCP~'.. 111 ,_, of tM. Unneo ~. (Tille 17 uS Code) mrbid tIl4J
u~.uthO"O:e<l ",proclUC1OQ<1 oi :hi!. to,,", CJ( .ny PO'ti~n \.,e,,,,,l. by phc>\oet>py ~r'. In~isl$ ( )( _ _ ~_)
rrutc.n,rw or ~r11J1 oth~r me3!"l':); ;rH~j·.Jdln9 t:!c"mJ.e or eotTlPUten%ed formats.

Copyrililr. C 1991·2002 CAUFoR~""" ASSOClATlO'/ OF REALTORS:!).
r/ole.ALL RIGHTS RESERV":l
BIA REVISED 10102 (PAGE 1 OF 2)
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F'tDer.y ,A.:j.jr~~ ]_;~~ P~cK ~.n.'Vl" EQ~~r1v 1JJ,.J.~SI ~ 90:ZLZ iJale. Sep"9Izlher, 2004
4. SOIL STABIUTY' E;"stenO'! 01 fill or compacted so~ expansive or r;onU3ctng wil, Sl..tSa>P~bl'ity to ,,"'ippage. setlJing 0< movement,
drd l'le a8<:-Q"~C>' :;~ "'Slr8ge, (Geolechnl<:.al eng,,,,.,,,, are be",t sulle<11o delerrr:ne such condiliorn;. caJses end remedies,)
5. HOOF: "'res""l ccndltIO~, age. leeks, "ro'em8lfl,ng useful life. (Roc~ng contractors are best sUJ:ej to determine Ihe~ conditIOns)
6. POCUSPA: e-3Ci<S .~ab or Dper~tl"nal proo:IOlms (?OOI conlr"etoffi Me beslsUJtoo to delerrnor.c these C'JndltiOnG)
7. WASTE DISPOSAL: T~ "''ZO!, adequacy CB\XlCl1y ann conditJon of 3eWef sno Sr"P1K: "y"tems ;,mel components. connec.llon to
sewer, a,-;d "'PP't("",t>ie 'El~
8. WATER AND UTIUTES; WELL SYSTEMS AND Cor.tPONENTS: W:ater and utility """,I abi r1ly. u~e reslrictions al'\d cc~. Water
qualItY. OlCeqU!le;y. cor, dillon , ar,d penOIT"1ance of well svslerm; and comoonents.
" rNVlRONMENTAL ",AZARDS, Pctential env"on(flem~:'l<32fl{ds.including, bUT no! limiled :0. as~t~, :ead·baS0d paint and olher
,"ad c:n.tBmlrat!or" radon, rn<ltn<!".,. ntker gase!. fuel 011 Of d',em',cai slDr<lge ta"k~, CO<"tBmIr,.m,d SOli or wmer, h8z~tdeu" waste
wast" j'sD05al snes. ~leetrol'"18gnellc lJeIos, nt.;dear 50UIc;SS, and other SlJD6Ia,,=, makmals. produC!$, or conditions ('r>Oudlf1g
mold (;>Imomo. t(l~IC 01 OrnelW,se}, fungus or s'milar :cntamlflsMs) (For more Informat,on on 'h"Se ite~. you may consuU Bn
aop,oprliltc P'Df~ssland' or ,e.. d IhEl booKlel$ "Envlronrnllmal Hazilrds; A Guide for Homeowners, BlIY~ Landlords lind Tenant!;:
'Pr~teCi Your ?=ar-'ll;'y F'orn l~a.oJd 10 Your ""ome" or battl \
10. EARTHQUAKES AND FLOODING: SLJSceptibiiity of lh'e PrOperty :0 8a/ttlqu~lceJ$eismichll.2:Brd~ "no proC&Mil)l of the Propeny to
A:od. (A Ge-oiOgisr ()r Geotechnical Englree-r is best SUl:ed 10 provlae ,nformation On the,." con,jlllcns.)
11, FIRE... HAZARD AND OTHER INSURANCE: The a~ail"bi!ily aM COSl 01 ne~ry or OIl.ir.,d rnsuranoe m~y Yary. T,..., loc:ahon of
Ihe Property in • S.hSrrlIC flDOd or fife hazard zone, and other conditions, such as the age of tI>f' Property and the claims history of
the Prooorty ~nC Buyer. mi!ly aHet:\ ihe ...,llilWlrty ..no n~ lOT certain types of in~\JraT1ce, Buyer sho.Jld 9>\?lore ",surarx::e op\io<'\$
early ~~ !hi$ ,"Iormotion rnBy affeC1 other Decisions. including ~ ,emoval 01 loan and inspedjon contIngencies. (An insurance agenT
is oest .u~ed to provide mformalion en these cond~ions )
12 BUlL-DING PERMITS. Z.O~ING AND GOVERNMENTAl.. REQUIREMENTS; Permits. ir,spedions, certificates. zoning. olher
gO'Jern'1'lerrtal h,'l1llatiOns. reslriclion&. and r"'1uir"menls :IffedJng the cul'Tam or tuture use of the Property. its oevelopment 0< 1;lU!.
(Such imormalion is «vailable from appropnete govemmental ilgencies ano prlVille InfonnehOn prewiders. Clrokm are no! qualifred 10
revieW or ;nlerprel any such Inlortnalion.)
13, RENTAl PROPERTY RESTRICTIONS: Some ol'''S an<! countiU imposJil restrictions lt1el lirr,,! the ..mourn of rent U1B1 can b&
Chll l9"d. the mexllnom numb"r of CCCUfl'lnls: and lhe righl of a landlord \0 lefTl'\of"l4lt6 • tenancy, Del'ldbon Or other IOck5 and security
&W'l{>l'm tor doo~ end Wlndows. inClUding windOW bars. ahould be ""amlneo to ::letern1~ wtIe",er th<!y satis~ lege! reQuiremeT\~.
(Govemmem "geneJ"" can peovlCle Informabon "boul these ro$lnctionll and ot:her requirements.)
H. SECURITY AND SAFETY' Stare and local Law may reqUire ttte im,tallaliorr of barrie~. S~S slarm$, self.lalcl'Illl9 mechallism5
end/or other messutealo oecreaS9 the nsk 10 children and ethel pe~ of e>1sting swimming pool~ .;and hot lut>$, "well as var><>us
fire ~afety and olhe< measures conceming olhet feat"res of the Property. Compliance requirementS differ from city to city and counly
to colltlly. Unl"f;s specifically 2(l~, the Propefty may net be If) c;omphllnce WIth lhe~ reQUiT8mer1l5. (Local g<M!rnment ageooe1l
eatl provide infOm1OltlOl1 abOut ltle:le relItrio:::llons and other requirem,nts.) (,'."
t 5. NEIGHBORHOOD. AREA, SUBDIVISION CONOmONS; PERsONAL FA~ORS: ~ghbomood ~ area conditions, irdJding
"chools, proximity anel ad<PQUaCY of _ enforcement. crime slati$1!CS, Itle prOJ;imity 0( ",gislete<l fel0n5 or offenders., fite prolJilCtjon,
other 9~rnmenl aefV1OR$. 8vai l abifii}>, aCl&qu;ocy and cost 01 any speed-wW'lld. wi"'lesa il'I\emel conneetio~ 0( other
lel"commun=tIOns or other lechnology ~eN1cro5 2"l1 In&tal~lions, proximity 10 comm 81ci ;ll. Industrial or agrlCultlJrcsl activities,
e><i&Ung "f\d plOP()>e(l Iran&portllllon. construcbon and ::levelopmenllhal may llffect noise. view, or tralTic, airport noise. nOI$C or Qdcr
from ~"y SQuroe, w~d .lnd dotn<>slic "nimals. other nuisances, MaLarUs. ex eiroumstllneea. PlOlected spedes. _tJand properties,
botanical Ol:!ieases. historiC; or other govemmel1t;lJly oro\ec:led sill!!> or imorovements. cemelenes. faCIlities and condltlon of common
areas 01 commo~ ,nt... esl wbolvlSions. ,lrld possible lack of compliance with any governing docum,,,,u; 0' HO~rT A£sociation
reqUirements. co"dit\ons ,nd infhJenc:es of signifteanee 10 certain c;ullUT/iS·andlor religions. and personal needs,.reqUiremen~and
prefer&>nces ot Buyer
Buye' ~nd S"I~ .cI<r,owlea~ ;>nd agfee mal BrOl<er- (i) Dol/>l not deode ...n~l pnao Buyer s~ould payor Sillier ,"ould lICC1lPt. (ill Doe$ M1
g<Jamntef: tlK! ccnditio<1 oj tt>,.. PropMy; roil) Does nol 'lUI'" mae tne ~"nn;lrlca. 3deQu_cy or completeness 01 insp6~, aWatS, pro'llJCU, or
'"",oi'$ provided Of made ov Seller or othef3: (;v) $1\811 no( IlE "'spoflClble lor iMnllIylng delem thai are not IcrlOWn to 8rolcer ~ro:l (a) not Yi5ua1ly .'ll
oOl>¢fV.ble in ruwnably QC,(:I!!1~ble ".n
01 the p,optf!fy. (bl are ,., COTT1fT1Qf1 areas: DI (e) a~ of! the .lte O'f the P~rty; (\I) ShaM not be
~po""ible to< ,"Sp<lt.hng pul;lkc rea>_
Of per'ma =rning II'!e tiu. 0: u.se of PJWetty: (vi) !lila. not be ,esp;",SItIe lor idenllf"ng the IDeal"'" of
!>ouno:lary ~ne. or o"",r lit rn' IHl:ctln9 rttIe: \vii) Sn.a flOt be ~".ible for v~in!l 5Cuere footage. ""'_~ oJ Olhe~ 0< intDrrn&IJOfI
oonlair>e<l ., Inves1lQat.on repQ<lS. r.Au~ u.~n9 Servlr», """Srtl3emo'llS. ~rs or OlMr o'omollon31 mateml: jy~i) 511;1. nat be re-:>pc:lt'\5il>le lor
provldif>9 le9al or lax advice /e9ortling any ~Pt!Cl DI • tranuc\ICln "n18fl1d into by 5uyer or seier, an<l (I;ll) 510,,11 nol be "",oonsibie fOr torOYicling
",hel advice 0' rniOtfll3lion mal exceedo the kncwledge. eduCllion .nd ... perienoe rllqUM><! to per1Qfm ~ ..:stllie rocensed activlly. ally8r ~ Sener
ag"'l' to .... ~ ~ga~ 1:1" tmunonc:<:, title and ethel llesm.d aS$jm~ from "iWropnole prohlasiona/$,
By !ItgrllrJ(l below, Buy.... :and Seller each aclmawl~El thaI thc>y llne reacl. UnQ&nltand, o-ccept and ll;tw ~efv~ a Copy of
this AJ1Vdor;. BUy~encour;tgeGto ....ad It carefully.
~ (j,.q-u;
Seder Signalur-e--- Date Seller S,gnatl..rn Date

Joseph Z=n~t:
~3i;uc;,~ "tf ~~?' ~;~~~~D I~\' AT:;; ~~~'~~C'";<l~5NS~~,~~N f'~R~L ~~ ~~~"~~SR~~~~.1"'c:.K)~~,~~~ ~Tz,:,~eLw..~rm~
T"'.A.~CT10NS 'f'
YUI,) C'L5'RE LE~i. O~ TA;C .A..DVICt. CONSULi'" /'..J.4 APPROPfiiUATf P~()F=s.sJONAt.
Thr$ 1C~ :l .vaJl.~e tOt .. $oi :n \nil ~l:'", ...~ ~&lZ\I'" ,r'ldu3l'lry n IS Mt ,,!'noea to Qe~"'f t1MP oJ~" filS e REAL. TORe RE.Al iORl8) s. I r~~r'e'O OOaecthe ~f"!Jf1:p ~l"r
\N"'C""J ~ oe I4f:O Qnto 7) I"tlPTr~~.. Cl'! the NA. T\C">H~ ASSOCl....7\DN 0; RtAl-OR~ .....he .ut>w:~ 'KJ 1\' Coo. af Etnl;:::::' ~
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RVVER'5 I~P!;crION ADVISORY (BIA ""'GE: OF:/)
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(CAR. Fo,", 'NPA. Re\'~ '0102)
~
Tn\s is an i'lOdendum ,0 '.he:& Caifiomie Res>l:lentlal Purchase p..greerrle1'lt 0' 0 Ottler
_ r'Agreeme-nn, cated Sep~ember i.. 2004
Or] proper1y known <,S 320 S ?PCK Dr17" Be...",.:-ly Hills, CA 9021",2_~~~_~
_ _ _ _ _ _. ("Pmoerly").
betw~n _
Nine S~.ah ("Buyer")
and _
Jo",~~~=J,k ("SeHer'")
'THE FOLLOWI:--lG SHAll REPI ACE THE VVOOD DES,ROYING PEST INSPECTION PARAGRAPH (GA rn the Calltomsa
ReSidential Purch;:>se Agreecnent :,RP.o,-CA)) ana snail superseoe any conflicting terms In 21,'1/ previously..gf'nera1ej
agreement
WOOD OESl/tOYING PESTS

A, 0 suyer ~ Seller Sohall pay for a Pest ContrOl Report for wood destroying pests and organisms only ('Report').
The Report s~lI De prepared D~ Sslle;r;:3 cnoJ.C>e . a registered struC1ural PeSt
control c;ompany, who shan sepanate the Report into sectJons for evidem Infestation or Infection (Section') ana for
conditions liKely to lead to Infe5lalion or Infection (Section 2). The Report shall cover lt1e main bUliding and attached
structures and. If cn~ked: III detached gara\1es and carports. 0 detacned decks, 0 tile following other structures
on the Property: _ _
The Raper. shall not Include roof coverings. If th., Property IS ;l unit m e condominium or otl1er common interest
subdivISion me RepO, shall include only IMe sepllrl'lte Interesl and any exc;lusive-\Jse are3S being transferred, ana
shall not Include common areas. \Nater tests of shower pans on upper level units may not be performed unless the
owners of properly below the shower consent If Buyer requesTs Inspection of inaccessible areas, Buyershall pay for
thlll oost of entry, insPE'ctiot'l and closing lor those areas. unless otherwise agreed A written Pest Control CertifIcation
shaH be Issuec pnol to Close Of Escrow, \Jnless otherwise agreed, only If no infestation or mfection 15 found or If
required cooective WOrk is completed.
8. (Section 1) 0 8uyer W Seller shall pay tor work recommended to correct 'Section l' condition5 described in the
Report and the cost of Il"ll'lpection, entry and closing of those inaccessible areas where active infestation {)r Infection
i$ discovered
(Sel;tion 2) rn Buyer 0 Seiler shall pay for work recommended to correc1 'Sedion 2' conditlQr1S described in the
Report if requested oy Buyer.
By signing belOW, me undersigned acknOWledge UHl1 each has read, undl'rs~nds ar.d has received. copy of this
Addendum. '
Date Septemb.,r J, 20(1.4 Date sept:e>nt>e:r: 4, 2004

/ { / H _ _
Buyer. /)"WJ({l cW~ Seller ~~-:---=-_.~ ~ _

~SJUn<J"!l JOlJeph Z ...rni.k
Buyer _ _ Seller _~ _
Tn.? (;t:c",rrqI11 ~ C'~ rt'-.? vrllJi'C $u.:teJ IT~ 17' !.l...5 COO~j+uroicl; ~tn9V11ariI.ed~~CftS form. Of wY1 ';)()('tign t"p.rwof. btf '1'lO~~". Of' ~ O'hQt '!'T'I6an&.
n::Jo,<l/'9 '~1Inl9 "';;,:)" OJ1.""'"
!O"'..:, ~O'II'O"1 0; 200:1, t;.l,LI'O"~IA ~S5OCJA noN 0, ~EALTO~. INC ilL!. fliGHTS RESe"VEO
THJ5 'OOM ><AS B.EN 1\"'"ovr:O BY THfi CAUFORNJA A$:iOCIAT,O", DF REA~ roR~ (CAR.). NO RE~E5EIlCUT1ON IS lAADE AS TO T>!E lEaA<. V,o,1I0nY OR
MJ€ O JACY OF AN" PROV'S>.:)", IN
TAAN£,o,CTIONS IF you
"",Y
SP~GlrJC TR""so,CTtON A f1l:.Al ESTATE BROKER IS T1iE ~ON OU"L1FIEO TO '1)V<S~ ON P£i'.L "-'TAn:
()t~IR~ lEGAl. Oil TAJ< ADVIC£. CONSUlS M; A~'ROPRJAn: I'ROFESSlOfol4L
T~ torm I, ;V~i:aQte lot uae Crt J'W efI''''c niat e~roll:P 1.'lDulCtry • l.!: not tnlltf'K:e<1 ~ k»nt1y t"'ll ~ ~ ~ ReAl TO~~_ R~LrORli) if II rlI99~ col.cIN. 1T')t'I"'"lbcTSiltp
">""
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-""" mJ'! be 0'. ~..1>O"'-':J'"" N~-;-'ONAL AS~C<:;,AnON OF REAL TORS'3>W'lO ...beCl'1~ t) It> COGO of E:nics.
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I'l'PA REVISED 1Cl1C2 (PAGE 1 01' 1)

WOOD OEST/WYING PEST INSPECTION AND ALLOCATION OF COST ADDENDUM (WPA PAG!;; 1 OF 1)
Ag~nt: N"'~s.",•• n Phc..., (31 ~4781n) F.~, (310) ~'&<1 ~''ll1 Wl"ll"ormr;\t> l'\01Twate
9rc+<.r GiJler.1n & Grifh.- p .. ;;/to~ 13J: ·.Nr~t'woood Blvd \ LO'lI A"Q~~ CA 90024
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620 / 745
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621 / 745
DECLARATIO~ OF JAY R. STEIN
2 I, Jay R. Stein, declare as follows:
3
4 il 1. I am au attorney at law duly licensed to practice before the Courts of
5 II the State of California. I have personal knowledge of facts set forth in this declaration, and
6 II if call ed as a witness could and ,vould testify competently thereto.

7
8 2. In October 2005, I represented ~ivie Samaan in her lawsuit against
911 Joseph Zemik (Case No. SC 087400). On October 25,2005, I caused to be served on
10 II Zemik by Certified Mail the l\ otice of Pendency of Action. I served the Notice of
1111 Pendency of Action on four different addresses I had for Zemik, including 320 S. Peck
1211 Drive, Beverly Hills, California 90212. Attached hereto as Exhibit A is a true and correct
13 II copy of the ~otice of Pendency of Action and certified m.ail receipts evidencing the
14 II certified mailing of the document.
15
16 2. I served the Notice of Pendency of Action on Zemik before causing

17 II the document to be recorded. Attached hereto as Exhibit B is a true and correct copy of a
18 II recorded copy of the Notice of Pendency of Action showing the date on which it was
19 II recorded.
20
21 II I declare under penalty of perjury of the laws of the State of California that
22 II the foregoing is true and correct and that this Declaration is executed on July ItJ, 2007 in
23 II ~~J rMle/e~ A -·~
24
25
26
27
28
-1
WQ2:;'V£ST .1'v1MKl '.10035 3905.1 DECLo.RATTO:" OF JAY R STEL'<'
622 / 745

10
NIVIE SAMAAN, an Individual, Case No.
11
Plaintiff,
12 NOTICE OF PENDENCY
vs. OF ACTION
1311
JOSEPH ZERNIK, an Individual, and DOES 1
14 II through 20, Inclusive,
15 II Defendants.
16
17 III
18 III
19 III
20 III
21 III
22 III
23 III
24 III
25 11/
26 1/1
27 1/1
28 11//1
NOTICE OF PENDENCY OF ACTION

623 / 745
.
• I
NOTICE IS HEREBY GIVEN that the above-entitled action was filed in the
2 /I above-entitled court on October 25,2005 by NIVIE SAMAAN, Plaintiff, agElinst JOSEPH
3 II ZERNIK, Defendant. The action affects title to specific real property.
4 II The specific real property affected by the action is located in Los Angeles
5 " County, California, and is described as follows:
6 Lot 252 of Tract No. 7710, in the City of Beverly Hills. County of Los
7 Angeles, State of California as per map recorded in Book 83, Page(s) 94
8 and 95, of Maps in the Office of the County Recorder of Said County.
9 Parcel No. 4328-024-023.
10
11 Dated: October 2('2005 JAY R. STEIN

ATTORNEY AT LAW
BYU, t ;%~
12
13
14 J R.~
Attorney for Plaintiff NIVIE SAMAAN
15
16
17
18
19
20
21
22
23
24
25
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28
1
624 / 745
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625 / 745
• /, . l
opy of Document Recorded

1 II RECORDING REQUESTED BY
AND WHEN RECORDED MAIL TO: 05 266G56~
•••••••••••••• I • • •• " ••••••••••••
2 1\ JAY R. STEIN (SBN 058388)
ATTORNEY AT LAW Has not been compared with original.
3 II 1801 Century Park East, Suite 2400 Original will be returned \\'hen
Los Angeles, Cal'lfornia 90067-2326 processing has been completed.
4 II Telephone: (310) 277-4428
Facsimile: (310) 552-1336 lOS ANGElES COUNT'( REGISTRAR· RECORDER •
5
6 II Attorney for Plaintiff,
NIVIE SAMAAN
7
10 ("- . ~ r[' nr L
NIVIE SAMAAN, an Individual, Case No. SC 087400 ~ t ........... ~ • ~ l _""
j. 'lo.
11
Plaintiff, NOV 0 " ?~11::'
12 NOTICE OF PENDENCY ".' "- voJ
vs. OF ACTION R£'CORDE:
13
JOSEPH ZERNIK, an Individual, and DOES 1
14 II through 20, Inclusive,
15 Defendants.
16
17 III
18 III
19 III
20 III
21 III
22 III
23 III
24 III
25 III
26 III
2711/11
28 1/1
1
626 / 745
4 I ~
NOTICE IS HEREBY GIVEN that the above-entitled action was fded in the
2 II above-entitled court on October 25, 2005 by NIVIE SAMAAN, Plaintiff, against JOSEPH
3 II ZERNIK, Defendant. The action affects title to specific real property.
4 II The specific real property affected by the action is located in Los Angeles
5 II County. California, and is described as follows:

6 Lot 252 of Tract No. 7710, in the City of Beverly Hills, County of Los
7 Angeles, State of California as per map recorded in Book 83, Page(s) 94
8 and 95, of Maps in the Office of the County Recorder of Said County.
9 Parcel No. 4328-024-023.
10
11 II Dated: October 31, 2005 JAY R. STEIN
AnORN~~AIPAW
12
13
14
By: 6q7lk r'YR.~
~
Attorney for Plaintiff NIVIE SAMAAN
15
16
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27
28
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627 / 745
IPJ
~M
Metrociiies
0 R T GAG E
HOME LOAN CREDIT APPROVAL
This is to certify that Nivie Samaan as of May 11! 2007, has been pre-approved for a
secured residential real estate loan with the following parameters:
Property Address: 320 S. Peck Drive, Beverly Hills, CA 90212

Loan Type: 5/1 10 ARM RatefTerm: 6.875%/30 Years
I
Loan Amount: $ 1,546,200 Loan-to-Value Ratio: 90%

Down Payment: $ 171,800 Occupancy: Owner Occupied
This credit approval is based upon an initial review and verification of information you
provided on income, debts and credit. This opinion is non-transferable and non
negotiable and is subject to the pricing and other terms and conditions applicable to the
loan type and amount approved.
The signing of the application form or any related documents in connection with the
application for a loan does not constitute a commitment to grant a loan. Further, the
granting of a loan based upon your application is based on factors other than just the
application, including employment status, employment history, credit status, credit
history, information contained in the documents provided to the financial institutions,
and others matters relating to the condition and valuation of the subject property.
Further, the granting of a loan may be provided provisionally with conditions concerning
payoff of certain other credit obligations.
Each loan application is reviewed on its own merits on a case-by-case basis. This credit
approval is valid for 60 days from the date indicated above. If interest rates increase,
thereby increasing the monthly payment amounts, it is possible you may not qualify for
the maximum purchase price and loan amount indicated above. This credit approval is
not a guarantee of points, fees, or interest rate. Any adverse material changes to the
information you provided may affect final loan approval, causing us to change or void
this opinion without further notice.
Metrocities Mortgage LLC
~~====-'
5'11/07,1234 PM
628 / 745
1 DECLARATION OF MOE KESHAVARZI
2 I, Moe Keshavarzi, declare:
3
411 1. I am an attorney at law duly licensed to practice before the Courts of
5 II the State of California. I am an associate with the law firm of Sheppard, Mullin, Richter &
611 Hampton LLP ("Sheppard Mullin") counsel of record for plaintiff Nivie Samaan
7 II ("plaintiff') in this action. I have personal knowledge of the following facts, and if sworn
8 /I as a witness, could and would competently testify thereto.
9
10 II 2. On March 30, 2007, I took the deposition of Michael Libow.
11 II Attached hereto as Exhibit 27 are true and correct copies of the transcript ofMr. Libow's
12 11 deposition, including Exhibits from that deposition transcript.
13
1411 I declare under penalty of peIjury under the laws of the State of California
15 11 that the foregoing is true and correct.

16
17 Executed on May 25,2007 at Los Angeles, California.
18
19
20
Moe
21
22
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-1
W02·WESTIMMKI400322941 I DECLARATION OF MOE KESHAVARZI
629 / 745
CERTiFIED COpy
NIVIE SAMAAN, an individual;
Plaintiff,
vs. Case No. SC 087400
JOSEPH ZERNIK, an individual:

and DOES 1 through 10, inclusive,
Defendants.
AND RELATED CROSS-ACTION.
DEPOSITION OF MICHAEL LIBOW
MARCH 30, 2007
AiM~ ~
ABRAMS, MAn &KAHN

REPORTING SERVICE
~
Reported By: Laury Wasoff 410 1 Birch Street • Suite 130

CSR No. 10995 Newport Beach' California 92660
949-261-8686 • 800-622-0226
File No.: 24200
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10:32AM 1 THE WITNESS: I'm sorry.
2 MR. KESHAVARZI: Can you please read back the
3 question, if you don't mind.
4 (Questi0r. read
lO:32AM 5 THE WITNESS: No.
6 o BY MR. KESHAVARZI: After that transaction did
7 you keep in touch with Mr. Zernik?
8 A No.
9 Q At some point Mr. Zemik -- at some point in
lO:33AMI0 well, at some point Mr. Zemik hired you to represent
11 him to sell the property, 320 South Peck.
12 And from time to time I may refer to it as "the
13 property." And unless I say otherwise, it's 320 South
14 Peck.
1D:33AM1S If that's all right with you, Mr. Shulkin.
16 So at some point did he contact you to ask you
17 to represent him to sell the property?
18 A He must have.
19 Q Do you have a recollection of him 'contacting
10: 33AM 20 you?
21 A No.
22 Q But you did not contact him and ask him whether
23 he was interested in selling the property. Right?
24 A I donlt think so.
10 : 33 AM 25 Q Do you recall how it was that he chose you as
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lO:33AM 1 he person he wanted to represent him?
2 A No.
3 Q 1 ' m going to show you a document right now that
4 I would like to mark -- I'~ going to start at 101 just
lO:34AM 5 to be safe -- as Exhibit 101.
6 This is your copy. You can keep it. I have a
7 copy for you as well.
8 (Exhibit 101 was marked for
9 identification.)
10: 34AM 10 Q BY MR. KESHAVARZI: Please take a moment to
11 review this document. Let me know when you have
12 completed -- finished reviewing it.
13 Do you recognize this document?
14 A Yes.
10:3SAM15 Q What is it?
16 A It's a listing agreement.
17 Q Between you and Mr. Zemik?

~
18 A Well, not exclusively. You've included one
19 other thing for some reason.
10 : 3 SAM 20 Q Oh , yeah. I'll take that back. That's not
21 supposed to be part of the copy.
22 Is now what you're looking at, Exhibit 101,
23 that's the listing agreement?
24 A Yes.
10: 36 AM 25 Q Between you and Mr. Zernik?
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10: 3 GAM 1 A Yes.
2 Q Dated July 30, 2004?
3 A It says August 1, 2004.
4 Q !n the back it's sign(2d -- signed on JUlY 30,
10 : 3 6 AM 5 2004.
6 A Yes.
7 Q But I guess it began on August 1. Right?
8 A Vh-huh.
9 Q And the agreement is to list the property at
lO:36AM10 1.695. Right?
11 A Dh-huh.
12 Q And your commission on it is 5 percent?
13 A Yes.
14 Q How much of that 5 percent do you get to keep
10 : 3 GAM 15 between you and Coldwell Banker?
16 A Between me and Coldwell Banker?
17 Q Right.
18 A Generally my split is BO percent in the year.
19 But
10 : 36 AM 20 Q Go ahead.
21 A We split that between a cooperative broker,
22 5 percent.
23 Q what do you mean by -- forgive my ignorance
24 about this area of real estate transactions, but what do
10 : 36 AM 25 you mean by cooperative broker?
ABRAMS, MAH & KAHN 23

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11:OOAM 1 Q ..LIm sorry. This counterofrer. From July 28 to
2 this, any discussions with Mr. Zernik about when he
3 wanted escrow to close ideally?
4 A I don't recall. I can see it in the counter
11: eDAM 5 here.
6 Q Where it says escrow to close November 1.
7 Right?
8 A On or before, it says.
9 Q Right. It says escrow company to be Mara
11:00AM 10 Escrow?
11 A Right.
12 Q Is Mara Escrow Company a company that you often
13 deal with?
A One of them.
-
14
11:DIAM1S THE COURT REPORTER: 105.
16 MR. KESHAVARZI: Thank you.
17 Q Let me know when you've had a chance to look at
18 this.
11:DIAM 20 identification. )
21 THE WITNESS: Okay.
22 Q BY MR. KESHAVARZI: Let me just ask you first
23 do you recognize the document?
24 A As it sits in front of me only.
1::' : D 2 AM 25 Q And this is Ms. Samaan's second counter to
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11:47AM 1 ~ 00 you recall receiving th~s fax from her, this
2 I document initialed by her on the acceptance of

I
3 confirmation of acceptance from her?
4 A No, I don't recall receiving it. It's clearly
11:47A~ 5 here.
6 So at some point she initials the confirmation
7 acceptance. Correct? There is an initial on it.
9 A There is an initial on it.
11:47AMI0 Q If you take a moment and go through this
11 document, all the pages. Then I'll ask my question.
12 A You've already handed it to me beforehand.
13 Q I don't think I've handed it this way. I think
14 I've handed it as part of several -- you've gotten
11:47AM15 several pieces.
16 A Yes. It was the same document.
17 Q It is the same document.
18 A Unless it's altered. Has it been altered from
19 what I've seen before?
11 : 4 8 AM 2 a Q What do you mean by altered?
21 A Is there something different on it that I need
22 to be aware of?
23 Q No. But I just wanted you to see that package
24 together.
11:48AM 25 A It's a cleaner copy. Looks more legible.
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11 : 4 BAM 1 Q dOW, once Ms. Samaan initia.Led the confirmation
2 of acceptance, this document along with counteroffer
3 No. 1 and the purchase agreement, the initial offer that
4 are all together right here as Exhibit 110, that was a
11:48Ar-1 5 final agreement between the parties for the sale and
6 purchase of 320 South Peck. Correct?
7 MR. SHULKIN: Objection to the extent it calls for a
8 legal conclusion.
9 Q BY MR. KESHAVARZI: You can go ahead and
11:48AMI0 answer.
11 A I can only tell you that -- Mr. Zernik's
12 acceptance on September 15 of this document.
13 Q Okay.
14 A His signed acceptance.
11:49AM 15 Q So - but this is the contract between the
16 parties - correct? - for the sale of 320 South Peck?
17 A This is the original purchase agreement and
18 joint escrow instructions with counteroffers attached
19 and a signed acceptance by the seller.
11 : 4 9 AM 20
- Q So this constitutes a contract for the sale and
21 purchase of 320 South Peck?
22 A It constitutes exactly what it says at the top
23 of page I, which is the purchase agreement and joint
escrow instructions.
-
24
:49A~ 25 Q So this is -- this package right here,
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11:54AM 1
2
G
,I Q
-ITNESS, Okay.
BY MR. KESHAVARZI: T h ere lS

. a reference
3 I it's an e-ma~l from you to Mr. Zernik -- correct? -- on
4 I September 13.
11:54AM 5 "As promised, I spoke with Joe at Dina's
6 Moving. II
7 Mr. Zernik, was he looking for movers at that
8 time?
9 A I don't recall.
11:55AM 10 Q Why - do you know why you would send him a
11 reference to Dina's Moving? Do you know who Joe at
12 Dino's Moving is?
13 A He's somebody I've referred to many people over
14 the years, and I've used him myself.
11:55AM15 Q And he is a moving company guy?
16 A He is like the manager at Dina's, I think.
17 Moving and storage.
18 Q Did you and Mr. Zernik around this time have
19 discussions about him moving out of 320 South Peck?
11:55AM 20 A Not that : recall.
21 So let's move back now to September 16 where
22 there's a final agreement between parties because
23 Ms. Samaan has initialed the second counter.
24 A The final acceptance was on September 15.
11:55AM25 Q Acceptance by Mr. Zernik. And then there is a
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11:55AM 1 confirma ... -,-on of acceptance by Ms. Sa."aan -
2 On the 16th.
3 16th. Right?
4 A Uh-huh.
11:55AM 5 Q And you know thac she's going to be out 0: town
6 for a week, which takes us to -
7 I don't know that. She told me she was leaving
8 town for approximately a week.
9 ----Q Right. And there is a fax from a hotel, the
11:56AMI0 Fairmont in Hawaii. So-
11 A Which is probably the first time I ever had
12 known she was in Hawaii.
13 Q So she's in Hawaii. She sends the fax
14 September 29. I'm sorry. September 16. You know she's
11:56AM1S going to be there for a week, which would take us to
16 September 23. Correct?
17 A If you calculate i t that way, of course.
18 Q Is there any other way to calculate seven plus
19 16? I'm not good at math, but I think that's one that I
11:56AM 20 would -- all right.
21 So if September 16 is a Thursday would -
22 September 23 would be Thursday?
23 A (Time lapse.)
24 Q Okay. At some point you sent a purchase
1 '.. : 5"7 I,M 25 agreement to Mara Escrow?
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12:00PM 1 be -- i~ che 15th is a Wednesday, tnree business days
2 would be -- if it's business days, it would be Monday,
3 the 20th. Correct?
4 A Yes.
,., :OlPM 5 Q So per the terms of the contract, ~he contract
6 was to be delivered to escrow by September 20?
7 A Uh-huh.
8 Q Express terms of the contract. Do you recall
9 when it was you sent it to Mara Escrow?
12:01PM 10 A When I faxed it there or they picked it up, I
11 do not.
12 Q You don't remember how you sent it there?
13 A I don't know if they picked it up or I faxed
14 it.
12: OlPM 15 MR. KESHAVARZI: Can we take a quick break for three
16 minutes? Robert, are you okay with that?
17 MR. SHULKIN: Yeah, sure.
18 MR. KESHAVARZI: Thanks.
19 THE VIDEOGRAPHER: The time is 12:02 P.M. and we are
12: 02PM 20 off the record.
21 (Of: the record.)
22 THE V~DEOGRAPHER: The time is 12:06 P.M. and we are
23 back on the record.
24 BY MR. KESHAVARZI: So per the terms of the
~ - 'J6PM 25 agreement, as we discussed, the purchase agreeme~t was
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12: 06PM 1 se.. ~ to escrow by Monday, September 20. Right?
2 A Per the terms of the purchase agreement.
3 Q Right. Now, this is the same document we were
4 ooking at, Exhibit 110. If you look at -- there is a
12:06PM 5 tring of :axes that starts from the bottom,
6 eptember 12. I'm talking about the fax lines on the
7 top. September 12, September 15, September 16, the one
8 from Hawaii.
9 A Uh-huh.
12: 06PM 10 Q Then September 15 is the one you sent at
11 11:32 P.M., Mr. Zernik accepting.
12 A Right.
13 Q The last one is Coldwell Banker to
14 (310) 271-4834 on September 22, 2004 at 4:01 P.M. Do
12:07PM15 you recognize that fax number?
16 A Yes.
17 Q Whose is it?
18 A It's the same one that we've mentioned before,
19 the one in my office.
12: 07PM 20 Q So this looks like a fax from you?
21 A To?
22 Q Do you know who you sent it to?
23 A No.
24 --- Do you know Ms. Gail Hershowitz?
1.:::07PM25 She was the escrow officer assigned to this.
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12:10PM 1 ~
ci¥ MR. KESHAVARZI, She to"d you she was going
2 i out of town on the 15th. Right?
3 A She told me she was going out of town on
4 business, sir. And that was incorrect as well.
12:10FM 5 Q And you received the fax from Hawaii on the
6 16th from Ms. Samaan. And then you send the purchase
7 agreement to escrow on the 22nd. Correct?
8 A According to Gail, yes.
9 ,--- \J Do you have any reason to believe Gail ~s
12: lOPM 10 incorrect?
11 A No.
\
12 MR~ KESHAVARZI: Let's move to another exhibit, 114.
14 identification. )
12:11PM15 THE WITNESS: Okay.
16 Q BY MR. KESHAVARZI: This is an e-mail from you
17 to Mr. Zernik on September 22, the same date you sent
18 the purchase agreement to escrow. Correct?
19 A It's the same date as of Gail's documentation.
12:12PM20 Q It's the same date as the date that, according
21 to Gail, you sent the purchase agreement to escrow?
22 A When she received it, yes.
23 Q Right. The second paragraph, toward the end it
24 says -- do you remember why you sent this? Starts out
12:12PM25 with:
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1:55PM 1 A ~es. On October 4.
2 Q And do you recall when it was that you -- well,
3 strike that.
4 And this was the same day as the meeting at the
1:55PM 5 property?
6 A That's what you're telling me. And that's why
7 I questioned you earlier as to when the inspection was.
8 And I really -- without documentation, I don't know.
9 Q So if it was that Saturday
1:5 6PM I0 A I can't imagine a buyer -- I mean, I can't
11 imagine a buyer -- a buyer inspecting a property on the
12 same day that they release contingency on inspections.
13 How would they have the reports back to review?
14 Q Okay. So if - -
1:56PM15 A I'm just speaking. I can't imagine.
16 Q So if the inspection was on Saturday
17 A The 1st.
18 Q The 1st, then - -
19 A Or wait. Would that be the 2nd?
1:56PM 20 The 2nd. If the inspection was on the 2nd, the
21 Saturday, then she removed it the first business day
22 after the inspection, that Monday. Right?
23 A Appears from the e-mail, yes.
24 MR. KESHAVARZI: 124 is the next exhib~t I'm
:;..:S7PM 25 marking.
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1:57PM 1 (Exhibit 124 was mark~u for
2 identif ieat ion. )
4 BY MR. KESHAVARZI: It's an e-mail from Victor
1:57PM 5 to you dated October 5, 2004. It says:
6 "Hello, Michael. will be ready to submit
7 for loan approval tomorrow when the appraisal
8 is in. Unfortunately we called escrow to
9 follow up on our request for instructions and
1:57PM 10 prelim made on 9/27 and they're saying we may
11 not get everything until next week. If
12 there's anything you can do to expedite this."
13 Did you do anything to expedite this as
14 Mr. Parks's request said?
1:58PM 15 A Not that I remember.
16 Q So you don't remember doing anything?
17 A Based upon this, no.
18 Q Is there a reason why you didn't do anything
19 even though Mr. Parks requested that you do something to
1:58PM20 expedite it?
21 I can't speculate on that. I asked him many
22 things as well that he never responded to.
23 Q Did you tell Mr. Zernik that Mr. Parks had told
24 you that the loan was going to be ready to be submitted
l:58PM 25 for approval except that they didn't have the escrow
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2 : 10 PM 1 r Q ~Y MR. KESHAVARZI: So thi~ ~s a fax, the top
2 I page, from you to Gail Hershowitz, the escrow agent.
3 You've ccld Ms. 8amaan. The fax date is October 15,
4 2004. You can see on the top you sent it at 5:26 P.M.
2:10PM 5 If you go to the second page, underneath your
6 fax line there is a fax to you from Bon Pest Control on
7 October 7.
8 A October
9 Q I see 7.
2:11PM 10 A The date of the report was the 6th. They sent
11 it on the 7th.
12 Q 80 the report was prepared on the 6th and sent
13 to you on the 7th. You forwarded it eight days later.
14 Is there a reason why you held on to it for eight days
2:11PM15 before forwarding it to Ms. Hershowitz?
16 A I'm not certain if the pest control company
17 wouldn't have forwarded it to her directly, and that's
18 what I can't answer, because we always tell them the
19 escrow company name and information. They usually send
2:11PM 20 ~directlY to them.
21 Q But if they had sent it directly to her, there
22 would be no need for you to send it to her, is there?
23 MR. SHULKIIN: Objection. Calls for speculation.
24 THE WITNESS: It's speculative. Many docum~nts
2:::"lPM25 which I'll double up on :0 escrow.
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2:11PM 1 ~{ MR. KESHAVARZI: But the pest control report
2 wasn't prepared until October 6. Right?
3 A Yes.
4 Q And it was the seller's obligation to have it
2:11P'JI 5 prepared by September 22?
6 A Dh-huh.
7 Q So the seller, Mr. Zernik, missed this by --
8 help me with the math here. 14 days. Right?
9 A Dh-huh.
2:12PM 10 Q And if this was the first time Ms. Hershowitz
11 had received it, on the 15th, from you, then it would
12 have been late by 22 days.
13 MR. SHULKIIN: Objection as to your characterization
14 of late.
2:12PM15 Q BY MR. KESHAVARZI: It would have been 22 days
16 past the date you testified earlier was the deadline for
17 the delivery of the report.
18 MR. SHULKIIN: I would just point out that the buyer
19 had already removed her inspection contingency by that
2:12PM 20 time, so it really didn't matter.
21 THE WITNESS: That's a good point. The disclosure
')')
L.~ report section was removed on October 4.
23 MR. SHULKIIN: Right.
24 THE WITNESS: Okay. Thank you.
2:13PM 25 MR. KESPAVARZI: 127.
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2 ; 25 PM 1 his agel.~, as his representative.
2 MR. SHULKIIN: Objection. The question is vague to
3 the extent that there is an October 8, 2004 reference ~n
4 Exhibit 129. Are you asking this witness if as of
2:25PM 5 October 8 this witness was demanding on behalf of
6 Dr. Zernik that the escrow close on time?
7 MR. KESHAVARZI: Yes.
8 THE WITNESS: The question is set forch that we're
9 asking here if it should be extended beyond November 1.
2;25PM10 Q BY MR. KESHAVARZI: That's not the question.
11 The question is
r
12 A I see no demand from Mr. Zernik to say that it
13 has to close on November 1.
14 Q And you made no such demand, to your
2;25PM 15 recollection, on his behalf. Correct?
16 A No. Why would I? No.
17 Q Just so the record is clear, did you make any
18 demand on his behalf that escrow close on November I? I
19 asked it in a negative and I'm trying to clarify the
2:26PM20 record.
21 A According to what I see, no. No, according to
22 what I see.
23 - Q During the time you were in escrow did you ever
24 sense that Mr. Zernik had a change of heart? Or another
:0:25PM 25 way of saying it, seller's remorse. Maybe he thought he
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2 : 31 PM 1 Q d1d what is it?
2 A Receipt for the prelim.
3 Q What is the date?
4 A I believe.
2:31PM 5 Q The date is october 6. Right?
6 A Yes.
7 Q And this is 14 days after the seller's deadline
8 to deliver the preliminary title report?
9 A Is it 14 days?
2 : 3 1 PM 10 Q 14 or 15.
11 A However it works out, yeah.
12 Q So 14 days?
13 A Yeah.
14 So the seller was late in delivering the title
2:31PM 15 report by 14 days?
16 A Uh-huh.
17 ~. SHULKIIN: Objection. Okay. Well--
18 Q BY MR. KESHAVARZI: Would you call that abusing
19 a deadline?
2:31PM20 A He didn't order the title report.
21 Q Who did?
22 A Escrow. Would have been ordered through
23 escrow.
24 Q Did you call escrow to stay on top of it to see
~:3lPM 25 if they were ordering it so the seller would comply Mith
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2:40PM 1 don I t rt.....-:mber.
2 Q Can you check that? Maybe we can work together
3 to find out when it was.
4 A Okay.
2:40PM 5 Q I think Exhibit 110 is probably the ...
6 A Let's see. On the first page it would have it.
7 It was a 17-day loan and appraisal contingency.
8 Unless it was countered out to a shorter time, it would
9 prevail. So I'm sure you've been through that
2:40PM10 documentation often enough to know whether it was
11 countered or not. There was a counter to the inspection
12 investigation contingency but not to loan contingency.
13 So it would have been effectively 17 days from the 15th.
14 Q Which would have been October 2?
2:40PM15 A In my mind --
16 Q I'll represent to you that 15 days -- 17 days
17 after September 15, on October 2.
18 A Okay.
19 October 2 came and went and Mr. Zernik did not
2:40PM20 cancel escrow. Right?
21 A Yes.
22 Q And he didn't cancel escrow on the 3rd, 4th,
23 5th, 6th, 7th, 8th, 9th, 10th. And on the 11th he
24 writes an e-mail saying if it's removed this Friday, the
2 :4lPM 25 15th, so he had not insisted on compliance with the
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2:41PM 1 deadline, which was October 2. Correct?
2 A Right. He allowed it be extended. But not
3 ever in writing. Remember, it's active removal of
4 contingency.
2 :4lPM 5 Q Right.
6 A So contingency, by the nature of being active
7 it extends without any action taken.
8 Q Last sentence is:
9 "Do you see a need for me to ask for
2:41PMIO moving close of escrow?"
11 A I don't know what that means but ...
12 Q Close of escrow was November 1 at the time.
13 Right?
14 A Oh, you don't think it meant moving before
2:42PM 15 close of escrow?
16 Oh, actually moving close of escrow. So the
17 original date was set for what?
18 Q November 1.
19 A November 1. So he asked.
2:42PM20 MR. KESHAVARZI: 133.
24 Q BY MR. KESHAVARZI: Do you remember sending
2:43PM25 this e-mail to Mr. Zernik?

649 / 745
2 : 45 PM 1 ~.~ is the status of the loan,
2 A Most likely. Speculative, but yes.
3 Q Let's go to 134.
2 : 4 6 PM 5 identification. )
7 Q BY MR. KESHAVARZI: Do you remember this
8 letter?
9 A I've seen it before.
2:47PMI0 Q It's a letter to you from Ms. Samaan. Correct?
11 A Yes.
12 Fourth paragraph down it says:
13 "On three separate occasions,
14 September 24, 29, and October 6, I called Gail
2:47PM15 Hershowitz of Mara Escrow for my copies of the
16 escrow instructions and the preliminary title
17 report. I was told she was waiting to hear
18 from you before she could prepare it. Due to
19 the nonperformance of you and your escrow
247PM 20 company, your seller is now threatening
21 cancellation of escrow."
22 Did you ever respond to Ms. Samaan when you
23 received this letter?
24 A I don't recall responding. Via e-mail or

2:43PM25 verbally, I don't remember.

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2: 4 B PM 1
2 :48PM 5
9 Ms. Samaan is saying here?
2:4BPMI0 A I don't remember calling her at the time.
11 Q Is it typical for the escrow agent to be
12 wanting to talk to you before she sends out a document
13 to the buyer?
14 A She talks to both parties, both the buyer's
2 : 48 PM 15 agent and the seller's agent usually, and asks if the
16 dates are correct, is there any problem with the dates.
17 That's typical.
18 Q So it's typical for her not to send out the
19 escrow instruction until -- or the preliminary title
2:49PM20 report until she's had an opportunity to talk with you
21 and confirm things?
22 A That's typical. And then they send out a draft
23 and we review the draft. The buyer's agent and seller's
24 agent both do.
2:49PM25 MR. KESHAVARZI: 135.
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2:50PM 1
3 THE
(Exhibit 135 was
identification. )
WITNESS: Okay.
rnarke~ for
l
I
I
I
4 Q BY MR. KESHAVARZI: 00 you recall sending this
2 :5:2PM 5 e-mail?
6 A I don't recall sending it, but it seems to be
7 my response to the letter of October 20, as best I can
8 tell.
9 I call your attention to the third line,
2:52PM 10 please. It says:
11 "As he had reluctantly agreed to extend
12 your initial contingency period of
13 inspections, he will now request additional
14 time in the property or a delayed close of
2:52PM 15 escrow should he decide to withdraw his
16 request."
17 We'll stop right there. Does this refresh your
18 recollection as to whether Mr. Zernik had in fact agreed
19 to extend the contingency period of inspections?
2:52PM 20 A Well, whether he agreed or not, by not
21 submitting -- I hate to explain it by this, but by not
22 submitting a notice to perform at the time and have her
23 perform on the contingency, in essence it could be
24 construed as allowing the contingency to be extended.
2:S3?M25 Absolutely.
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2:53PM 1 Q And it's his waiver of those deadlines that are
2 already in the contract. If a deadline passes and he
3 doesn't give a notice to perform, then he's waiving that
4 deadline?
2 : 53 PM 5 MR. SHULKIIN: Well, objection to the extent it
6 calls for a legal conclusion. I wouldn't agree with
7 that but --
8 THE WITNESS: I don't know how to answer that.
9 Q BY MR. KESHAVARZI: But by not sending a notice
2:53PM 10 to perform and letting the deadline pass, it's in
11 \ essence an agreement to extend the contingency period?
12 \ A Is it an agreement to extend? No.

0
I
13 Q It is an extension?
14 A It's basically the contingency is extended.
2 : 53 PM 15 Q Had you talked with Mr. Zernik about extending
16 the escrow? Is that what that e-mail is referencing?
17 Was there a discussion?
18 A Again that's speculative. It appears like this
19 from the e-mail.
2:54PM 20 Q It appears that
21 A It appears that I must have talked to him.
22 Q It appears that you must have talked to him
23 about extending escrow?
24 A It appears that way.
2:54?M25 MR. KESHAVARZ I : 13 6 .
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3:00PM 1 They were doing a review appraisal. That's what this
2 was in reference to.
3 And it ·is the first deal I ve ever seen held up

I
4 on a review apprais3.1 or haCl ? b -lyer j.n

1
t.h~t many ¥,=,ars
3:00PM 5 involved, you know, me and the knowledge of it.
6 Q Third paragraph down it says:
7 "This is a very clean loan approval and
8 we don't anticipate any delays in closing."
9 Did you communicate that to Mr. Zernik, that
3:00PM 10 they didn't expect -- Victor did not expect any problems
11 in the closing of the loan?
12 A I cannot tell you that. I can tell you most of
13 what I was receiving at that time I would forward to him
14 but -- as an e-mail. I just can't tell you.
3:01PMlS Q There was some discussions with Mr. Zernik
16 about extending well, around this time do you recall
17 any discussions with Mr. Zernik about extending the
18 escrow to -- by several days?
19 A Not by any specific time.
3:01PM20 MR. KESHAVARZI: Let me -- 137.
22 identification.)
24 Q BY MR. KESHAVARZI: I assume you forwarded an
3:02PM 25 e-mail to Mr. Zernik. It looks like it because it says

654 / 745
3:02PM 1 "forwarl.....' It says:
2 "She really does seem to be making an
3 effort. November 12 is on a Friday."
4 Is that a reference to moving the escrow to
3:02PM 5 November 12 possibly?
6 A Possibly. From this single line I can't tell
7 you. And again, here I am in her corner supporting her.
8 Q After you sent the purchase agreement, you
9 faxed it over to Mara on September 22 -- I'm going back
3:02PM 10 a little bit now, by about a month.
11 A Okay.
12 Q Remember we were talking earlier this morning
13 about you faxing over the purchase agreement to Mara
14 Escrow?
3:02PM1S A Yes. Which might have come from the fact that
16 she didn't receive it from the buyer's agent. And
17 again, I'm sorry to say buyer's agent. But typically,
18 traditionally, the buyer's agent takes the accepted
19 document and gives to escrow. She might have called me
3:02PM 20 and said "Michael, I don't have it. Would you fax it."
21 That could have happened.
22 So September 22 is when you faxed -- sent a
23 fax?
24 A Yes.
3:03PM 25 Q And that fax that you sent doesn't have
ABRAMS I MAR & KAHN 129

655 / 745
3 : 03 PM 1 r. Zen. _.. 's initials - - or not on L.de bot tom of the
2 page. Right? Every page is not initialed by him?
3 A I can look at it and tell you.
4 Q Can you, please.
3 :03PM 5 A Sure. Which exhibit was it?
6 Q I think it was 110.
7 A No. 110 doesn't have a fax cover sheet.
8 It doesn't have a fax cover sheet. We
9 determined that it was sent by you because at the top it
3:03PMI0 says "Sent by Coldwell Banker September 22."
11 A I thought we had one that went to Gail.
12 Q That was a different one. That was the one for
13 the pest control contingency. Or the pest control
14 report.
3:03PM 15 A Hold on. I had something with a fax cover
16 sheet that said Gail.
17 Q Right. It's the pest control one.
18 A Oh, that was it?
19 Q Yes.
3:04PM 20 A So how do we know this was sent to Gail on the
21 22nd?
22 Q Because Gail produced it as a document received
23 and at the top it says "Sent by Coldwell Banker."
24 A Doesn't say who it's sent to. I'm sorry.
3 :J4PM 25 Q Gail produced it, that she received it, as a

656 / 745
3 : 04 PM 1 documen~ ~he received from you.
2 A Let's see her statement just so I can recall.
3 Q She says in her statement you sent it by fax.
4 A Okay. Let me see.
3 :04PM 5 Yes. Right here. This was it.
6 Q Okay. Now, this document is not initialed on
7 every page by Mr. Zernik. Right?
8 A No, not this one.
9 Q Have you ever seen one that has been initialed
3:04PMI0 by him?
11 A I'm sure I had one in the file that was handed
12 over to you.
13 Q Handed over to whom?
14 A Well, to Robert.
3:04PM 15 When was it that Mr. Zernik initialed every
16
17 I don t know.
I
18 Do you ever recall asking Mr. Zernik to go to
19 to sign a document?
3:05PM 20 No, no, no. If it were to initial the original
21 RPA, which is strictly -- how can you explain it? You
22 know, the contract is what it lS. It's been countered,
23 accepted. Each counter accepts the previous counter or
24 RPA. So to have a seller initia: every page typically
3::5PM25 is done for the benefit of a lender who wants to see it.

657 / 745
3 : 05 PM 1 Sometimt....::> the manager in my office wants to see it. To
2 me it never creates the legal contract.

.,. donlt know if you can back me up on this .
3 .I.
4 I'm serious. If you receive an offer and I
3 :05?M 5 counter, it's stated in the counter that tr.is is a
6 counteroffer to whatever. "The terms and conditions of
7 the above in the referenced document are accepted
8 subject to the following."
9 So I always said why do we need to initial
3:05PM 10 everything. But some lenders want to see that. So I
11 would normally take it to the seller and have them
12 initial.
13 Q Some lenders would require to see every
14 page initialed by both buyer and seller as a condition
3:06PM 15 of approving the loan. Right?
16 A Could be a prefunding condition. Could be
17 anything. To get a loan approval and submit a loan
18 package you don't need that.
19 Q But some lenders require
3:06PM 20 A Prior to funding it may be a condition.
21 Absolutely. We've had that come up, that the escrow
22 officer will say "Michael, it's about to fund. Do you
23 have 11 yes.
24 Q Do you know exactly when it was that Mr. Zernik
3:C6PM25 initialed?
ABRAMS, MAR be KAHN l32

658 / 745
3 : 10 PM 1 Q You didn't do it or you don't remember?
2 A I don't remember talking to him, no.
3 MR. SHULKIIN: Can we take a two-minute?
4 MR. KESHAVARZl: Act-"':'Cllly, :f :':'-'.1 don't mind, can we
3 :10PM 5 make it five to ten?
6 MR. SHULKIIN: Sure.
7 THE VIDEOGRAPHER: This concludes videotape No. 2 in
8 today's deposition. The time is 3:10 P.M. We are off
9 the record.
3:10PMI0 (Recess.)
11 THE VIDEOGRAPHER: This marks the beginning of
12 videotape NO.3 in today's deposition. The time is
13 3:23 P.M. and we are back on the record.
14 ,~ BY MR. KESHAVARZI: Mr. Libow, that last
3 : 23 PM 15 document we looked at was Exhibit 138, which is the fax
16 cover sheet with a contingency removal, the buyer
17 removing all contingencies. Right?
18 A Yes.
19 Q And the date of it is October 25, 2004.
3 : 23 PM 20 A Yes. And there is a log attached to it.
21 Q Right. Which I think is proof that the fax
22 went through.
23 A Well, actually it's quite contradictory in that
24 October 25 at 5:24 P.M. to my general fax line is quite
3:23PM25 a bit different than 5:15 A.M. on the fax cover sheet.

659 / 745
3:23PM 1 Q Well, it says -- I think the A.M. is a mistake.
2 But I think when you send a fax, the confirmation comes
3 through once it's gone through. You know, you put a
4 date on there.
3:24PM 5 A I didn't mean to be speculative. I'm sorry.
6 Q That's all right. But now that you mention it,
7 5:24 P.M. there is a fax to your office, and it was two
8 pages that went through. Took a minute and five
9 seconds.
3:24PM10 A We don't know if it's this fax.
11 Q But the documents attached are two pages.
12 Right?
13 A Yes. But still, not a confirmation.
14 Q Well, let's see if we can help you remember
3:24PM 15 receiving this document. This is a document we earlier
16 marked as 117 but then we changed it. Now let's mark it
17 as 139.
18 A Okay.
3:25PM20 identification.)
21 Q BY MR. KESHAVARZI: It's an e-mail from you and
22 Mr. Zernik. And you say:
23 "Joseph, attempting to communicate with
24 you as you demanded of me through e-mail. I

"\
3:25PM 25 ~ dropped the signed removal of all
~

660 / 745
:25PM 1 conL_dgencies in your mailbox last evening at
4
---
approximately 11: 30 P. M. "
Does that refresh your recollection about
having received the prior day the signed removal of
:25PM 5 cont.ingencies?
6 A No, but clearly I couldn't have dropped it
7 unless I had received it.
8 Q So you must have received it --
9 A I must have received it.
:25PM 10 Q And then it goes on to say:
11 "As previously discussed, we
12 intentionally agreed not to commit to any
13 rental until we knew what was going to happen
14 at Peck so that you had no exposure to any
:26PM 15 damages on the leasing front."
16 A Yeah.
17 Q "Now that we know Nivie's capable of
18 closing escrow, it might be prudent to revisit
19 those rentals which are available to us.
:26PM20 Please contact me at your convenience."
21 Was Mr. Zernik, to your recollection or to your
22 knowledge, concerned that -- about the timing of escrow
23 because he didn't want to end up paying rent somewhere
24 and mortgage on his house at the same time?
,2CPM25 A I don't recall that, no.
ABRAMS, MAH & KAHN l36

661 / 745
3 : 32 PM 1 ~ "he purchase agreement is tne purchase
2 I agreement.
3 Q Go ahead. Finish. I'm sorry.
4 A The purchase agreement is what it is. The
3:32PM 5 dates don't change on it.
6 You sent one you sent a purchase agreement
7 to Mara on September 22, 2004 that was not initialed by
8 Mr. Zernik?
9 A Correct.
3:32PMI0 Q - And you do not recall -- or you did not send
11 any purchase agreement that was initialed to Mara
12 Escrow, any purchase agreement that was initialed on
13 every page to Mara Escrow, did you?
14 A I don't know that.
3 :32PM 15 Q You may have?
16 A I may have. Absolutely.
17 Q And if Mara Escrow in its files of October 22,
18 2004 did not have a purchase agreement, that was --
19 let's say Mara did not have in its file a purchase
3:33PM 20 agreement that was not initialed on every page by
21 Mr. Zernik. It would either be because Mr. Zernik had
22 not signed it as of that date or had signed it but had
23 not delivered it to Mara Escrow?
24 A Those would be reasonable assumptions, yes.
3 :33PM 25 Q Can we go back to Exhibit 110, please. Can you

662 / 745
3:34PM 1
2
I
r
highligI," for me in this document all the documents or
obligations of the seller, documents that the seller has

l
I
3 to delive~ to the buyer or to escrow?
4 MR. SHULKIN: I'm sorry. I'm not going to let him
3 • -, 4 PM S answer that question. Calls for a legal conclusion.
6 It's too general. Question is too general.
7 BY MR. KESHAVARZI: All right. Let's look at
8 SA, which is -- that's a
9 A Statutory disclosures.
3:35PM10 Q Including the lead-based paint hazard
11 disclosures. Correct?
12 A Uh-huh.
13 Q And it says "The seller shall within the time
14 specified in 14A to buyer if required by law." And what
3:35PM15 is the time in 14A?
16 A Seven days from acceptance.
17 Right. And seven days from acceptance would
18 have been September 22?
19 A Yes. And the buyer was still out of town.
3:35PM20 Q And the buyer returned on September 23?
21 A Well, it's uncertain because we have a
22 statement from her that says September 24.
23 Q Let's assume she returned September 23 or 24th.
24 Let's say 24th.
335PM25 A That's what it says here. Originally it was
ABRAJv'IS, MAH & KAHN 142

663 / 745
3: 35PM 1 the 23rQ, but here it says 24th.
2 Q So is it your position that the seller's
3 obligation under this was extended because the buyer was
4 out of town?
3 :36PM 5 A No. I'm just making a note that the buyer was
6 out of town.
7 Q So the fact that -- now you're certain the
8 buyer was out of town. Before you were told that she
9 was out of town.
3 : 36 PM 10 A I was told she was out of town.
11 Q Now you're sure she was out of town or you're
12 still thinking
13 A I was told she was out of town.
14 Q Can you look at Exhibit 120, please.
3:36PM15 A Sure.
16
-.
Q Do you know when this document was delivered to
17 the buyer?
18 A Either it was left at my office for her to pick
19 up or at the time of inspections when she supposedly
3:37PM 20 returned to town.
21 Q Which was at -- the time of the inspection we
22 determined earlier was either
23 A October 2 or October 4. Like Saturday or
24 Monday.
3:37PM25 Q So it was either on the 2nd or the 4th?
ABRAMS f MAR & KAHN 143

664 / 745
3 : 37 PM 1 A Or left for her prior to tne inspection at my
2 of:ice.
3 Q And if it wasn't left for her but was given to
4 her on either October 2 or October 4, that would mean
3 :37PM 5 that the seller was late in delivering lt per the
6 contract's terms. Correct?
7 A Per the contract.
8 Q Let's look at section SB. Natural and
9 environmental hazards. And when is the seller's
3:37PM10 based on the contract, when was the seller required to
11 deliver that to the buyer?
12 A I think it's the same time, isn't it?
13 Q So on the 22nd?
14 A SA and B. Also within seven days, yes.
3:38PM 15 Q So under the contract the seller is required to
16 deliver the natural and environmental hazard report to
17 the buyer by September 22. Do you know when the seller
18 delivered it?
19 A I don't because generally we have that ordered
3:38PM20 through escrow. So I don't know when it was
21 distributed.
22 Q Would that be one of the documents that's in
23 Exhibit 120?
24 A No, because -- it normally wouldn't have it ln
3:39PM 25 the package of disclosures because it came through

665 / 745
3:39PM 1 escrow. So I would assume it's not In here.
2 Q Let's go to -- actually let me let you finish
3 looking.
4 A Doesn't appear to be in here.
3 :39PM 5 Q Can you go to paragraph 6.
6 A Sure.
7 Q "Condominium plan unit development disclosure."
8 When was the deadline to deliver that disclosure to the
9 buyer?
3:39PM 10 MR. SHULKIN: I'm sorry. Was there CC&Rs in this
11 transaction?
12 THE WITNESS: With the City of Beverly Hills and an
13 older property, sometimes.
14 Oh, I see. That would have been under -- if
3:40PM 15 you look at Exhibit 120, that is under the supplemental
16 statutory disclosures.
17 Q BY MR. KESHAVARZI: Second to last page?
18 A Right. And that would have been delivered with
19 the package of disclosures, either -- what 'was the
3:40PM20 original time I told you?
21 Q Either October 2 or 4th.
22 A No. Or prior to being left for the buyer to
23 pick up by the buyer's agent, both of which she was
24 supposedly out of town.
34DPM 25 Q So if it wasn't left for someone to pick up at

666 / 745
3:40PM 1 our of!~ce, then it was -- then it must have been given
2 her on October 2 or October 4?
3 A That would make sense.
4 Q But the seller's deadline to deliver it based
3:40PM 5 the contract was September 22?
6 A Well, yes.
7
-
Q Okay. Thank you.
8 A Okay.
3:41PMIO
9 Q
-
Let's go to 7B, which says:
" Seller shall, within the time specified
11 in paragraph 14A, disclose known material
12 facts and defects affecting the property."
13 A Right.
14 Q That was the seller had the obligation to make
3:41PM15 that disclosure by September 22. Correct?
16 A Yes, according to the contract.
17 Q The seller did not make that disclosure by
18 September 22. Correct?
19 ----- The seller had made that disclosure. The buyer
3:41PM 20 didn't take receipt of it.
21 Q So now you1re sure that you left it at your
22 office?
23 A No. The seller's disclosure made at the time
24 the listing was signed, the timing of when the
34'..PM25 disclosure was made. When it was delivered to the buyer

667 / 745
3 : 41 PM 1 is what
2 Q And that's what the obligation is. The
3 obligation in the contract is deliver it to the buyer.

I
I
4 A Right. But you stated that the seller
3 :41PM 5 Q Hadn't made the disclosure.
6 A -- hadn't made the disclosure.
7 Q (Simultaneous discussion).
8 THE COURT REPORTER: You need to say that again.
9 THE WITNESS: It's just a terminology.
3:41PM10 Q BY MR. KESHAVARZI: Right.
11 A I'm sorry. Ilm listening to what you're
12 saying.
13 Q The seller was required under the contract to
14 deliver
3:42PM 15 A Yes, to deliver.
16 Q -- the disclosure under section 7B to the buyer
17 by September 22?
18 A Yes.
19 Q The seller did not do that. Correct?
3:42PM 20 A Yes. And it's the same document reference that
21 we just talked about.
22 Q Which was
23 A They call it the SSD, which is seller
24 cont~actual and supplemental statutory disclosure
3:42PM 2S document.
i
668 / 745
3 : 4 2 PM 1 Q .illd the delivery of that document was made
2 either on October 2 or October 4?
3 A Or -- see, there is one problem here. A
4 buyer's agent has the responsibility generally of taking
3 :42PM 5 care of receipt of these documents, these disclosu~es.
6 The disclosures were ready. Supposedly the
7 buyer's agent was out of town in this case, as that was
8 the buyer. This to me is a problem. Even if it had
9 been left, how do I I do not remember if the buyer
3:43PM1O might have even said "You know, I'll deal with it when I
11 get back. I'm not in town. Don't give it to me now."
12 I don't know if that was said. It may have
13 been. But the documents were prepared.
14 Q Can I ask you to look at Exhibit 108.
3:43PM 15 A lOB?
16 Q Please.
17 A Okay.
18 Q That's -- I ask that you look at the cover
19 sheet. This is a fax that Ms. Samaan sent September 16
3:43PM20 as she was going out of town. The second -- the last
21 sentence says:
22 "If you have a more formal document I'll
23 be happy to sign it."
24 The last sentence says:
344?M25 "For escrow instruct:.ons, please have

669 / 745
3 : 44 PM 1 esc~~N send everything to my adaress at
---
2 1227 1/2 South Alfred Street. II
3 order for the seller to comply with his
4 obligations to deliver the disclosure documents we have
3:44PM 5 been discussing, the seller could have, per Ms. Samaan's
6 request regarding the escrow instructions, had them
7 delivered to her house in her absence. Right?
8 A Yes, of course.
9 Q But that didn't happen?
3:44PM10 A I don't believe so.
11
-Q Let's go to 4C, the purchase agreement. We're
12 back at Exhibit 110.
13 What was the seller's obligation under this
14 paragraph?
3:45PM15 A In the City of Beverly Hills it's to install
16 hard-wire smoke detectors and strap the water heater
17 properly prior to close of escrow.
18 Q Is there disclosure required to the buyer
19 regarding this?
3:45PM20 A There is a water heater and smoke detector
21 statement of compliance which ties into that.
22 Q And that's in our Exhibit 120?
23 A Yes, it is.
24 Q And what is the seller's deadline under the
3:45PM25 contract for delivering that document to the buyer?
ABRAMS I MAR & KAHN 149

670 / 745
4:04PM 1 Q ~xhibit 142 the date is September 23.
2 Exhibit 125 is October 5. So at some point escrow
3 generates a new document where the dates are changed.
4 A Yeah.
4 : 04 PM 5 Q And you have no reason why that happened?
6 A No.
7 Q And it wasn't made at your request?
8 A No. I don't even know who wrote these in.
9 Q Could this be Gail Hershowitz's handwriting?
4:0SPM10 Do you know her handwriting?
11 A No, I do not.
12 MR. KESHAVARZI: 143.
4 ,05PM 15 Q BY MR. KESHAVARZI: This is an e-mail.
16 Exhibit 143 is an e-mail dated October 25, 2004 at
17 2:57 P.M. from Victor Parks, the buyer's loan broker, to
18 you. And it says:
19 "Hello, Michael. Wanted you to know that
4:06PM20 we have the appraisal review in and it came in
21 at value with no conditions. We should be
22 able to get loan docs within the next few
23 days."
24 This is the same day that you received the fax
4:06PM25 rom the buyer removing all contingencies. Correct?

671 / 745
4:06PM 1 A would review it here if yv~ want me to look
2 for it. What item was it, exhibit?
3 Q 138.
4 A Of course I can't find it now.
4 : 07 PM 5 Q Here. Look at my copy. As long as you give it
6 back.
7 A Thanks.
8 Yes. Same day, according to that.
9 Q Do you remember forwarding this e-mail to
4:07PM10 Mr. Zernik?
11 A I don't recall forwarding it.
12 Q You testified earlier that you were forwarding
13 all e-mails around this time to Mr. Zernik.
14 A Around this time, yes.
4:07PM15 Q So it's more likely than not that you forwarded
16 this e-mail to Mr. Zernik?

.
17 A The assumption would be that I did, yeah.
18 -' -
Q Do you keep a diary?
19 A No.
4:07PM 20 Q For your work do you record like if you make a
21 trip somewhere for work, like coming here today, for
22 example, if you have to go show
23 A In my daybook, yeah.
24 Q Did you have a daybook in September and
4:08PM25 October 2004?

672 / 745
1 I STATE Ol ~ALIFORNIA
4 I No. 10995, declare:
5 That prior to being examined, the witness ~amed in
6 I the foregoing deposition was by me duly sworn to testify
7 I to the truth, the whole truth, and nothing but the
8 I truth;
9 I That said deposition was taken before me at the time
10 I and place therein set forth and was taken down by me in
11 I shorthand and thereafter transcribed under my direction
13 deposition is a true and correct transcript of my
14 I shorthand notes so taken.
15 I I further declare that I am neither counsel for nor
16 I related to any party to said action nor in any way
17 I interested in the outcome thereof.
18 I I declare under penalty of perjury under the laws of
19 I the State of California that the foregoing is true and
20 I correct.
21 I In witness whereof, I have hereunto subscribed my
~U)run/-
23
24 Laury Waso f, CSR No. 10995, RPR
25

673 / 745
1 REPORTER'S CERTIFICATION OF CERTIFIED COPY
6 I, LAURY WASOFF, Certified Shorthand
7 Reporter, Certificate No. 10995, for the State of
8 California, hereby certify:
9 The foregoing is a true and correct copy
10 of the original transcript of the proceeding taken
11 before me as thereon stated.
12
13
14 Dated: tb/
~
07
15
16
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~
i- 17
~ 18
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~
19
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£' 20
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22
23
24
674 / 745
'0f, FOR FXHIBlTJO \
CAT'ON
( ~1It1L'
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7 /
LAORY W
WITNESS:
E 20Jil.-
tR\~E:r"
~
~
RESIDENTIAL BROKERAGE
EXCLUSIVE AUTHORIZATION A.'1D RIGHT TO SELL
IN CONSIDERATION FOR BROKERAGE SERVlCES: -:;;;;;S;~s..c?,", Z?~

("Seiler")
hereby employs .Illd granrs COLDWELL BANKER RESIDENTlAl: BR0..!$l.RAG~ COMPANY (40LDWELL BANKER-: Ihc exciuSI\'e ~nd
"revocable rIghi, for l perIod of 180 days t>eglnnlng on ::.1 I ~ .nc.
::>3uc=uS"\ ace.>
expIring ar II S9 pm LheJ:..8TI day ("Term") 10 marhl and solicit offers r ~ or ex~hange the properlY SHualed ,n the CIt}: 0:
'3
Os iCM~ I ~ . county of li)~ . Californu. dem.Dec L.E.5>
as 380 S =:(CL~ :D?- ("l'ropcrry").
TERMS.
a, LIST PRI~E. The Iisring price will be ¢~ ~J.ro~ ':>i ~ t\v:Uf)U1> N::N t:.!;j F.fV ~ 1]ti!S~..j ..,\
Doll:lrs ($ \ )~9ICCO ).
b, PERSONAL PJlOPERIT.
(l) The following irems of person:l1 propmy are INClUDED in rne above purchase pm:e:
(2) The following items of personal propury are EXCLUDED from the above purchase price'
c ADDITIONAL TERMS:
2. COMPENSATION. Notice: The amounl or ralC of real eSlate commissions is nOI fixed by law. They arc leI by each Broker
individually wd may be negotiable between SeUer and Broker.
a. S~lIer .Igre~s to pay to Broker, as comp;l:J.tion for services. irrespectIve of agency rcl~rionships. 500 % of selling price AND a
document~tion compliance fee of! . as foljows:
b. rr Broker. Seller, j cooper:J.ling broktt. or any other person produces :J. buyer who on-en to purch.ue rhe Pro perry at tne above list price and terms
or :It a price and terms agreed upon;
If, within 12 months :If,cr eXf'ir~rjon of the lerm of l'Sling or ~ny eKlens;oll, ti,e Propc:rry U .old. cullveyed, kased. or otherwise
lr:lnsferred w anyone to whom Broker or a eoopennng broker nas shown llle Propcrry or had negoll,rions, prOVided thal Broker glYCS Sdler.
prIor to or wHhin 10 calendar days after expiration of the terOl of rhe lllllng or any eltCIISlun, wrilfen nOllce with ehe namcs(s) of the prospeceive
buyer(s), excepe thar noelcc shall not be reqUired for :l buyer wno submirs a wntren ofTer durinr; the
lilllng term. Scller's failure to exclude mese names from ~ny subsequent lUling conrracr dUring this pcnud may expnse the Seller ro obligation
[0 p:lY ;aJdilJonal commission;
II. If. wlrhoul Broker's prior wrmcn consCll!, the Properry is wllndrawn from s~lc, conveyed, le~scd. renled. transferred. or made
unm"kcrable bJ' :I voluntary act of Seller during Inc term of the l,uIOg or any exter.sion, or
Ill. 11' complcllon of a salc IS prevenred by :l p:lrry co the eransolction oehe. dut 5~lIer, BrOKer shall bc enUlled IU an amounr nOI las rhan one.~Jf
of Ihe sums recoverctJ by Seller, whed\er char~Ctellled as dolln,ges, (USU, expenscs. or otherwise, but not to exceed the :lbovc compensation•
• f,er lirst deducting any rcasun:lble Ii de, escrow, .nd collemon expenle, p.lId by Seller.
,v. Seller hert-by irrevocably assigns to Broker the :lbovc compensaeion from Seller's funds alld proceeds In e.;crow.
BroK.er is :luthomeci to c00f'cr~te wilh adler brokers, .Inc.J diviJe widl olher brokers the commission in ~ny manller .cceprable to Broker.
V\. This section shall s(;rVIVC [he Cxpll.Clon, lermanaClon or c.ncciluion of this Agreemenl.
It'ile. crIno",~\ fEC ( ropy 01 I'lll pG()t. Wl'oKh {OfllhlUlfl Pcgr i 01 4 ~!/fl
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- - - - - - - - OFFICE lJSl O//lY - - - - - - - - ,
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VII. Broker m~y submll lhls agreemem as irmructlOIll 10 compensate Broker, ;u per [he :crrm c~ p~r~grJph 2, to any escrow leg~ldong lilt p,o"e"y,
iJ1Voiving [he Sel!er anJ a Buyer, a Prospective P,u~r or any other transferee.
VIII. Sellcr reprnenn thar Stllel has nor prcvlowly entered 1010 a Iimng agreement with aI1ClrheJ nrulter no, has ally 06hgallon to ,ny orhcl Bickel
rcg:lCrllng [he Properl)' unless speclticci ;u-Toll~' _
3 KEYSAFEfKEYS,
a. Scller(s) agree 10 provide Imlng agenc a key to Ihe Properl)'.
b.(Srllrri IIIll/nLsl YES ( / ) Sellcr .ulhomes Broker 10 11Ut.ll a ktysafe. A keys~fe IS desiglled ro hold a kry to the Properry 10 prIma
,cceSI 10 the Properl)' b eS~le 'genu in order 10 show the Properl)' to prospecl'Ive buyen, at some wnes wirholl( Broker being presenJ. lf Sdler
~es) nor occupy the P cry 5 ' r sh:lll ubtaln rhe oecupaocs' wrm.n pernliSSlon for llSe of a kevsafe
4~~/t;lrrj I71/l1Qb) YES ( f ). Seller authorius Broker [0 place a FOR SAlE/SOLD sign on rhe Propmy.
5 ~OCATION SERVlC£. (Seiler J "lIT/Ill!) YES ( / l. Are you IOreres[ed 10 Informauon abollr OUI frcc rdocallon servI-.cs'
6 BROKER A."lD SElLER DUTIES. Broke! agrees ro exercise re:uollable effore alld Jue r.liligence ro achieve Ihe purposes of [hiS Agrr:cmem, and is a... [horizC'C!
10 ac-.cpr • deposit on behalf of Seller. Seller ~grces ro cooperate by malung rhe Properry available for showing at reasonable rimes =d by immediately referr' ..g
to Broker all mqulrlo of a.ny pury or broker IlHercstcd in rhe Property. Seller agrees ro consider cffcn prc:.semed by Broker. and 10 ~Ct in good f..rh lowa.rd
accomplishing [he sale of (ne Properry,
7 SELLER WARRANTIES. Excepr ;u lined in Paragraph 22, Seller represents and warrants rhat:
a. Seller is owner of rhe Properry or has writccn authority ro sign this Exclusive Aurhonurion and Righ[ (0 SeU.
b. Seller IS nor ","ware of any Notice of Defauh recorded against Ihe Properry, or any uncured def:lull in payments due under any 1000n secured by the
Pro perry or orher lien affeCting rhe Properry.
C. Properry is nor an :usel of any bankruptcy, insolvency or similar proceedmg.
J. Seller is nur aware of any liligallon, ubirranon, adminurra[ive ","ClIon. govc:rnmenralmveHigation, or orher pending or threarened acrion invulving
Ihe Selier of the Properry whIch aITecr or WlCh lhe passage of lime will JITecr the Pruperty or the Seller's righl to
rrarufer or sell rhe Properry.
Seller is no[ aware of ~ny haz.ardous or roxic subsrances or underground storage lanks in, on or aITemng [he Pro perry, orher dun as disclosed hy
Seller in rhe Transfer Disclosure Statement.
f. Seller is not aWlire of any physiol, geological. soil. draInage or suuctural defeccs aITecting rhe Property, other rhan as d1SClosed by Seller in Ihe
Tnnsfer Disclosure S:'lemcor.
is Seller is no[ aware of any Improvements ro rne Properl)' which do nor conform wirh applicabk building ;J.Jld siIery, permit or wning rcquirtmenrs.
or wah public or pnvarc land usc resrricrions orher rhan as disclosed by Seller in rhe Transfer Disclosure SraremeJlI.
h. All rcprc.selllallons and w~rrantiC5 of SeLler shall survive rhe expiration, relnllnation, or clncellariun of thIS Agrecnlcol.
Selier agre.:.! to immed.. rc!y norify Broker in the eVCOr of any change ro lh.:se represenntions.
8. DISCLOSURE/COMI'LlANCEIINSI'ECTIONS, Seller ,lgrecl ro comply w;rh applicable Federal. Sr~re, and loc~1 l'C'luiremen[J Ilovcrnin~ (he Properry.
,ncJuda1l; but no[ limired to: (a) complellng a Real Estare Tranlfer Disdosure Smemrnc; (b) obraininll a Narur~1 Hazards Zone Disclosure and Property
J. O. rrporr; YES ( f ) (5fi1~ri InlTilllr) ScUrr authnri~s Broker ro order the leg:JJy required NJruraJ Haz~rr.I Zone Disclosure Sluement
~nci ~ccompanYJllg Properry J.D. D,.c1osllre reprlfl Seller'~ p.'ymtnl of rh~ $114 fe~ (or <:lId disclosure> and reporr wdl be deferred to rhe lU,TCSsfu! cia Ie of
es.:row (pnc~ of diSclosures and repor:, should Seller dr~tlo pay in adY:lnce, 199); (l) compienn:; a Lead-Based P~ilH uuc!osure; (d) com pIerinI: a Jlesidenri~J
E~rrbqu;Jke H;uards Reporr; (d obtaIning a properl)' reporr if requlled undo iocal ordinance; (I') mecrillg ~ny gnvernmelHal renofll standard, reqllired in
order tl' close escrow, unles> .he jJurch~sefs.le ~grccmelH provine, rb~1 the fluyer wdl meet rltose req"lfemenrl; and (g) aurhoming [he delivery of dirdosure
.Ind campli"nce rnformallon 10 the Buyel I3roko sllongly re~f1mmends thai Sdler require • Bu~r, 's .. eonditinn of sale, ro ha"e thorollgh profeSSional
illlpecllons of [he Properry (melueinl;, bur nor iimited cu, phY'Ic.l.1 Jnd geologlc~1 il1lpeclions).
9 SAfETY RI:QUIR:£MEI':TS. 5[.,e and IOlaJ I.w re[lulle lhe illSlJll.llinn of barners, ~Cc<> JJarms. self.latching mechanisms andlor olher m<asurt'. to
Ceere"" the mk to child:en .nd orh~r persons of exISting sWllnmlflg pools and hor cubs, as well as VHi\)us rire ,~fery and other measuI'CS concelnll1g orner
le.:ur,••1I1d aspects of tIlt Properry. C\)mpllOlnce rrquuemems differ from ':Iry 10 CIIY and eounry (0 cnunry. Coldwell Banker will nOI verify compliance
w"h my of Ihes~ mallCfS. EXCCPI ~5 ma)' b.: specified III the purchase ,'gree01enc, no arrangemencs will he made as parr of Ihe putchase anO sJle to make
)1k~ U;lnOWIPIl [0 o/'Ile\ fIlge, whtdl IOCSl,:ultS Pog11 01 4 PIlC}eI

, - - - - - - - - - OfFlCf liSE O~\y I
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.,-
anv chang~' In ,h~ Prop~rC)'. Sdkr is advised to con,.cc appro~riOlte profe~lon~1s and government.! agcnc:es for any required !uid:.nce wiri, re~~rd 10 ",hal
and wh~,her requin:m~nu app~ ro the Pruperty and, if app1Jahl~, chose r~qui,...,menrs h.vr bem met.
10 AGENCY RELATIONSHIPS. Broker s~aJlacr as the agent of Seller in any resulting Ir~nUCI;on Depending upon the carcumSllnces. II ,.,n
be neCClSHY or appropriate for BrOker ro acr as agent of both S~IJet and Buy~r. ~lchange parr)' or one or mote addlllonal Darr:~s. If
:lPI,l,c.,bJc, Brok~" ih:l1I. :H ::'.J11 :u pr:actic~~L.:. -:J,~:losr= r~ Seller any ~lec[lon to acr ;H ;a dual :1g~nt rcprcs:~:~;j~ both Sdl: • .:&112 Bd~"~
If rhe Properry is a residential dwelling with onc to four uniu, Broker shall provide agency rdallonsnlp, I1I~ciosures as required by law. Sellcr undcmands
rh~: Br~k<r m"y have or ob,aln lInings on orher properries ~nd rhar potenri,,1 buye" may eonslder, m"ke offers on. or
purcha,e chrough Brok~t property che same as or SImilar co Seller's Property. Se;Jer con,cnLS :0 Broker's representJ'ion 0: sellers and buyer> of other
prOperllC! beforc, dunng and .fcer ,he n:piratJon of ,his Agreemenc.
\ 1. MULTIPLE USTING AND INFORMATION SERVICES. Seller aurhorizes Broker to suomit li<ring and sales Il\formation to any muiliple hStlng
serVICeS ("MLS") Bro"er deems appropraate; place the lmi'\! on COLDWELL BANKER's :lndior orher In:erl1c[ Wodd Wid~ Wcb slles for accClS bl'
members of rh~ publoc and olner broker1; ;1J\d comply wich :>11 applicable rules of Ihoie services. ScllCI- authomcs Broker '0 use selling price and
phocographs of the Property in promotion:ll ucivicie~ of Braker following [he ule 0: che Property. and to videOtape Property :lnd 10 ma!Otaln ,ap~ :IS par;
of Brolccc's v,deorape library. Brolcer may abo provide IOforma<lon on rhls lISting and rcsLllring Cr:ln5:1CllOns, inc1uu!Og copIes of tnnucraor. doeum~Ol', as
may be r~qulted for lenaers. vendors, multiple listing/information services, and Broker's ecgul:ltoty, management and flOancial reqUIrements.
12. AFFILIATED SERVICES. If eicher Seller nr a Buyer designates Equity Tide Cornpany, Guardia.n Ticle Company, Firu Capital Corponrion. Cendanr
Mortgag~, ColdweU Banker Mortgage, West Coasc Escrow. Guardian Tide Escrow, Burrow ~crow. Mid-Exchange. AON Home W:lrranty, Propetr)· I.D
of California. or California Brokerage R~croli[(ing Company co provide services in connection wich the purchase, sale. or fInancing of ,he Property. Scll~r
aclmowledgcs chat (..) .;ud compOlnies arc owned in whole or in parr by Brolter's parenl company or by an eneity which is under common ownership or
conrrol with Broker; (b) neither party is required to urilized the ,ervices of any of said eompames unlen agrcc:d in the purch:»e agreement; (c) no
commitment or assurmce h:u been lTUde by Brolter or my rd.:lted party as to the avaiiability of flOancing from or rhrough said companu:s; and (d) Seller
has received from Broker a copy of Affiliated Busmes, Arrangemeor Disclosure Sratemelll. While any estimated durgcs reflecled therem arc beli~ by the
service prOVider co be accurate as of the day of preparlllOn, these charges :lll: subJect ro change based upon markec facmlS and the specific narun: of th~ services
involveri and selected. By r~ason of rhe foregoing. che euimate. 5et forrh shall not be bmding upon such companies or Broker, and Seller should. 10
connection wich Seller's selecrion of servia: provld~n. requesr specific information as ro rhe terms upon which speCIfiC SCrvlces may be available.
13. MEDIATION. Any elispute or claim in law or equity arISing OUt of this Ag~emellC shall be submicred to lIeutral, nonbinding mediarton before the
commencemeO( of ubllrarion. litigation or other proc~ding. Seller and Broker agtcC to participate In good faith in the mediation by and in accordanc~ with
tht rules of JAMS/ENDISPUTE or anuther mediatJon ptov,dcr on which rhe parries may agree. The .oarries shOll! share equa..lJy in lhe con of rhe mediauon.
14 ARBITRATION OF DISPlITES. Any dispute or claim relartng 50ldy tU the cnmml5sion payable co Broker under rhu Agreement, including the amount
of commission and wherher it has been C2rned, 5hall be decided by neulnl binding arbormion by and in accordance wich rhe rules of)AMS/ENDISPUTE
or ~no,ncr arb,rr:lUon provider on whIch the pareies may agree. :lOd nOt by coure action except as prOVided by CaJiforrua law fa, judici21 review of
arbltra,ion proceed.ngs. Judgment upon rhe :lward of the arbicralOr(s) may be emercd in any coun hning Jurl5dietlon. Th~ ubitraror(s) shall have no
Jurisdiction co make any awa,d in excess of the comrnusion. if :lny due under cht C<rms of rne Agreement together with interesl. if appropriate, and
rnsonable anorney's fees and com of the prevailing party.
NonCE: BY INITWlNG IN THE SPACE BELOW, YOU ARE AGREEING TO HAVE ANY DISPUTE ARISING OUT OF THE MATTERS
INCLUDED IN THE ARBITRATION OF DISPUTES PROVISION DECIDED BY NEUTRAL-\RBITRATJON AS PROVIDED BY
CAl1FORNIA UW AND YOU ARE GMNG UP ANY RIGHTS YOU MIGHT POSSESS TO HAVE THE DISPUTE LITIGATED IN A COURT
OR JURY TRIAL BY INITIALING IN TIlE SPACE BELOW, YOU ARE GMNG UP YOUR JUDICIAL RIGHTS TO DISCOVERY AND
AI'PEAl., UNLESS SUCH RJGHTS ARE SPECInCALLY INCLUDED IN THE ARBITRATION OF DISPUTES PROVISION. IF YOU
REFUSE TO SUBMIT TO ARBITRATION AITER AGREEING TO THIS PROVISION, YOU MAY BE COMPw..ED TO ARBITRATE
UNDER THE AUTHORITY OF THE CALIFORNIA CODE OF CIVlL PROCEDURE. YOUR AGREEMENT TO THIS ARBITRATION
PROVISION IS VOLUJI,iARY.
WE HAVE READ A.'1JD UNDERSTAND THE FOREGOING AND AGREE TO SUBMIT DISPUTES ARISING OUT OF THE MATTERS
INCLUDED I ~ N H ITRATION OF DISPUTES PROVISION TO NEUTRAl. ARBITRATION.
(Stl/rrI illlliaM . / ), (Bra/urI i"irrnu) ~/ l.
15. CANC.ELl.ATlON F CROW: In the cyenr this Agreement expires during Ihe rnm of an escrow which subsequencly cancds, Brolter shall have an
JddlclonaJ 30 days from che dace of mutu.Jly srgneo unccllarion InStruCtions during which ro nnrhr and solici, offers for rhe Property.
16. EQUAL HOUSING OPPORTUNlTY. The Property's offered in ~ompliance Wlch federal, scm, oLlld 10ClI antl-JLSerimmation laws.
17 SECURITI AND INSURANCE. SELLER AGREES THAT, (A) BROKER IS NOT RESPONSJBLE FOR THE LOSS OF OR DAMAGE TO
PERSONAL PROPERTY OR REAL PROPERTY, OR INJURY TO ANY PERSON, WHETHER ATTIUBUTABLE TO THE US! OF A KEY SAFE
OR OTHERWISE; (8) SELLER SHAll TAKE REASONABLE PRECAUTIONS TO SAFEGUARD, PROTECT, AND INSURE. VALUABLE
PERSONAL PROPERTY ITEMS THAT MIGHT BE ACCESSIBLE DURINC SHOWINGS OF THE PROPERTY; (e) SELLER HAS BEEN
ADVISED TO OBTAlN INSURA1'I/CE TO PROTECT SELLER AGAlNST THOSE RJSKS, AND IS AWARE THAT BROKER DOES NOT
MAINTAlN INSURANCE TO PROTEcr SELLER; AND (D) SELLER SHAll BE RESPONSIBLE FOR M'Y CLAlMS ARlSING FROM
INCORRECT INFORMATION SUPPLIED BY SELLER, WHETHER CONTAINED IN OR OMITTED FROM ANY DOCUMEr-.'T, OR
OTHERWISE. OR FROM A."I/Y MATERlAL FACTS WHICH SELLER KNOWS BUT FAILS TO DISCLOSL
Sel'er Ol'nowled~e1'~
I 11\"11' IIu; poge, w!1,th ,~MI\ P09t 301 4 Pogel. OHln USE ONLY
677 / 745
Seller's IlIIftil's ( / 1
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Samaan v Zernik (SC087400) Los Angeles Superior Court 'J
J 8. ATTORNEY'S F££S. In any ~'tiLln, proceeding, or ubitl'"4tion be~t'r. Seller and Broker, aruing OUt of ,his A!~emen( ilnciuding an arpe~ 0'
mfotcemenr aCllon), involving solely cnmmlU,olll jJJyable to Broker under this Agrument, the preV2iling parry stull be enulled co reasonable ;luoenc)"s
fees and COstS ftom [he non-prevading parry.
19. TAX COMPUANCEi LEGAL AND TAX ADVICE. Seller agrees co perform any aCI re:1Sonably requIred [0 carry our the provisions of FIR PTA (In:ern.u
Revmue Code ,445) ~nd CaHolII,a Revenue and Taunon Code 16805 and 26131, md regulwLlns [hereunder, Seller IS Informed rim BROKER
CANNOT PROVlDE. LEGAL OR TAX ADVlCE, and thaI IF SUCH ADVlCE IS DESIRED, SELLER SHOULD CO:-.lSULT AN APPROPRlA..TE
PIZOFESSIONAL
10. MANAGEMENT APPROVAL If dle terms of chIS A!reemen: are nOI approved b}' the m~oagemm, of Broker, Broker/M.nager has :he rig~r 10 cancel
,hiS agreemelH, In Wilting, wirhin 5 days after irs execu[lon.
11. MISCELlANEOUS. This Agreemenr (a) supersedes all prior d,scuulons. negotiations, and agreemenrs herween the pHlies concernIng Its general sub,ect
m,rrer; (b) ,h.1I he governed by .nd construed under the I.ws of Ihe State of California; (,) ,haJi bener.t and bllld the parties, Ihw heirs, personal
reprcs~nta[lve>, successors and 'SSlgns; (d) may be modirled only by a wrinng Signed by all parries; .nd {el may be execured In ewo or more counterporu.
n OTHER. _
23 ADDENDA ATfACHED. _
READ ALL OFFERS CAREFULLY The acrual rerms of a sale or orher tranlletions will be contamed in rhe ResldentiaJ I'urchue Agreemenr or orher
olTer and any (;ounter ofTer{,). Unless speciflCaJly excluded. tile sale of the Properry Includes all mineral nghts owned by the Seller. Seller is strongly urged
to carefully review rhe terms of :loy offer, including pnee, terms, condition of Properry. items ro be rep.ired or repl.eed by Seller. personal properry 'and
f,xrures induded in the cramawon, :lnd Seller's com ~uociared with rhe items for which SelJer is relponsible, Seller may WISh ro Iimir by Countcr Offcr
rhe items for which Seller u responsible, or the COSIS ~.ssoeiated with rhole irems.
f the propcny or haft the authority to cueute thiJ AgnemcDL I acltnowledgc that I haw read and undculaJId this
py.
SrUrt :.:1~12I b~<:U:':"'")dkr - - - - - Om
"""0":"" Ad"'...
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ApproYCd by:
Ma.nJoCtlnr,'1
Seher ollnow!etlges ,mrpl 01 copy olillil poge, wliKh ronsnMts ~~ oJ ~ !'agel.

OfFKE USE ONlY - - - - - - - - ,
SeUer'sll\l!1O!J I I }
CI0D4 Colllwdl B""ht Eq~ How~,,, Opport\lltlf)' Ci' kn,w 12/02
[i......f~il .... '" ... ~ .. 00II
678 / 745
Court File: "Volume IV Continued" -'-{
~
~
RESIDENTW. BROKERAGE
TRANSFEROR'S (SELLER'S) ADVISORY

PROPERTY ADDRESS: :3 ~ S ?E.LlL- '~t?_ ("Property")
1. INTRODUcrION. Selling properry on C:l.!ifornia ~ a process dur involves many neps. The prouss can be short or lengrhy. depending upon numrrou,
facron such as: .
a. Your Properry's condition;
b. Marker conditions;
c. Govrrnmenr regulatIons. ordin~nces and/or deculons; and
d. Orher facrors
Lining your Property for nle wirh a licrnscd rnJ eslare broker was an importanr initjaJ nep in rhe selling proces~. Your Broker will help guide you through
[he process and e-n refer you 10 olhe, professionals ;u needed. This nor ice addrenes numerous Issues you may neeJ 10 think abour and do as you marker
YOUI Properry. Some of rhese things an: requiremenu imposed UpOIl you by law or the lining or nJe conrr:1cr while others an: SImply pracrical matters rhar
may ar~c during the leUing process. Please take a momenr ro re:ld this document QrehoHy. If you have :lny qucsrions, ask your Broker for help.
2. DISCLOSURES.
a. Genua! Disclosure Duti.... You :lre legally required ro affirmatively d~closc ro rhe Buyer. in writing. any and all known facts thar
matemJly affect the value or dc.sir:lbiliry of your Property. These f~u mwr be disclosed whether or nor Buyer. any broker. or anyone else :uked
abour ,h...e malters. ThIS dury to diJdose applies evell if rhe Buyer agn:cs '0 purchase your Property in ill presenr condiuon without requiring you
10 malte any repairs (i.e. "as is"). If the Property you are leHing is a residence with one to four uniu, your Broker :Jso has a duty ro conduct a
reasonably comperenr and diligent visual inspec,ion of lhe acussible areas and lO disclose TO a Buyer all ~dve~e material faeu rhat rhe inspeccion
reveals. If your Broker discoveTS somclhing that could indic.;llC a problem. your Broker mU5t advise the Buyer.
b. Slatutory Duties (For I to .. Residential UnIts).
(I) You must timely prepare and deliver ro the Buyer, among orher things. a Real Estate T nnsfer Dilc:lolurr S[arement ("TDS") and a
N:lrwa! Huard Disclosure Slaremen[ ("NHDS"). You have a legal obligatjon ro honesdy :md completely fill OUt lhe TDS FORM IN ITS
ENTIRElY (Many.JoQl enrincs or organizations have their own supplement [0 the TDS ",hich you maY:llso be asked to complete.) The
NHDS LI a Starement indicating whether your Properry i.li in Certalll designated Ooocl, fire or earthquake/seismic fu/.ard zones. Thud-parry
profcuional companies can help you with this taSk. Be :ldvised rhat, pursuanr <0 Civil Code ~"lion 1103.8. lhe NHDS docs nOl satisfy
obligatlom for disclosure crcared under other laws.
(2) You m:lY :lllo be required lO prOVIde and. in (.Crtain c;uel you call fCceive limiled legal prorec[ion by providing. the Buyel wilh rhe follow-
ing booklets:
(a) "The Homc:ownen Guide to Earrhquake Safery" (The c:mhquake guides uk you ro provide answen [0 specific questions about your
Properry's "rucrure :lnd prepucdncss for all earthquake);
(b) "The Commercial Property Owner', Guide 10 £:ltthquaJu Safety" (The earrhqwke guide ask you to provide amwers to specific ques-
tions abour yOUI Properry's StruCturt: and preparedness for an earrhqualtc);
(c) "Protect Vour Family From Lead i.n Vour Home (If you are required to lupply Ihe bookler aboul lead, you will Uso be requiTed co
disclOle to the Buyer any known lead-based paint :lnd lead-bued paint h:IUrds on a separare form); :lnd
(d) "Environment:l! Hazards: A Guide For Homeowners and Buyers" (The environment.1J hU:lrds guide ,"(ornu rhe Buyer of common
envlConmemal haurd1 thar may be found In properry).
"Some of [hese booklers may be p:lelr..ged rogerher for your convenience.
(3) If you know [hal your property is localed within one mile of a formel miliruy ordnance location or :lffecred by a 7.one or llisrriC! :lllowing
manuhcturing, commercial or airpotl usc. you :lre reqUired [0 diJclose rhis [0 rhe Buyel. You arc also requited [0 make a good faith effort 10
obwlI and deliver to rhe Bu~r a disclosure notice from the appropriale local agency (I.e. Tax Assessor's Office) abour any special'B levied
on your Pro perry purSU:lOl [0 the Mello-Roos Communiry Faeilirics Acr or any other ~peGl;u :lSSessmeOl.
(4) If the TDS. NHDS. or lead, milllary ordnanccs, commCtClall0ne or Mello-Roos dllc:losun:s arc provided 10' Buyer :lfter you aceep' rhar
Buyer', oITer, Ihe Buyer will have either 3 days after delivery (or 5 days if mailed) to [erml/l~te the offer. Thus, ic IS elluemcly imporlanl ro
complete these disclosures as soon as polsible:. While there are ccrraln exempllons from rhcse ltatutOry requiremenTS. if you have actual
knowledge of any of [he,e ilem" you may slil! be requlla! ro make a dl5cJolurc as the items can be considered malerial facu.
c. Dum and/or AIDS. Many Buyers consider deaths [hal have occurred on [he Properry to be m:llerial facu In rhe: pllrchase of pro~rry YOll are nor
required '0 dISclose <0 the Buyer any oe:l,h of a former occupam occurring on rhc Properry more llun 3 years ago. You ue also nOI reqUIred 10
disclose rllac an occupant was affiicted Wlrh. or died from. AIDS. If a dnth occurn:d within the last three ynn, or was not of an·occupant. it is
,dvllable [hat you dl~cJose such, death. The law docs not prorec[ you if you m:lke ,n imenrjonal mllreprcsem3lion. For example, if you arc
spe"r,cally :lSked whether an occupanl was amicred w"h AIDS, or AIDS w~s [he cause of dtarh. and you know for, facr rhar is rrue, you should
nor amwer "no" or "[ oon't know". Similarly, if you are directly asked whether ~ former OCCUP~/ll died on Ihe properry and you luIow for a fael [hal
lhere was such a death more than 3 yean ago, you should nOI answer "no" or "[ don't ltJ,ow". Insre:ld, you may answer the question trurhfully or
you may respond [hac you arc nor legally reqlllred [0 answer [h3r qlleStion.
I
I ilMWtd by Drat•• Onqlet
OffKE USE ONty OW _ --I
679 / 745 ~lon4 ('.....o-eu ibnan I· ...J Hous&nf; 0rp.nwnn,. ~ Rrr .... d G/02
Court File: "Volume IV Continued" ,n. __ 1 _ _ " ,

" ' _• • _ _ 1_ ,,_. ._

-_·s
d. Condominiwns and Other Common Inle~1 Subdivisions. Wh~n J~lllng a cundominlum. lOwnhousr. or och~r prup~rry In a common IIH~r="
,ubdivislon, you U~ r(gulT(d co pt:Ovide cfJr Buyrr copi:-s of the mosc rr"o( flnal\ool..i sc.[rOl(O[S disUlbllt~d. che governing docum~nls, and other
oocumenLS rcqlllTrc by jaw or COnll"3Cc. If you do noc luvc'i CUTlrlH Venlon of chese documencs. you can requesl Ihem irom ,1.0 ,ua",,~,mem u'
your homeownr!'1' llSOClauon.
3 CONTRACT TERMS AND LEGAL REQUlREMEfl.TI.
o. Prohibitioo Ag;Wm Ducrimination. It Ll ill "gal 10 discriminal( in rhe sale of your Proprrry agaJllsl individuals belonging to legally prolecled classCl.
b. Withholding Tues. FrurrJ.! and California t:IX 1.wj requirt a Buyer to wichhold • pomon of thr 501(1 pncr from your salr procrrds for t1X
purpo«s unlrls you SIgn an affida.it of non-foreign StatuS and Califorma cesidency, or somc other cxemptlon oppllrs and is documrnred.
c. Contract TrrlN and Conditions. A Buy~r may requesc. :u parc of the concract for the sale or
your Propnry, thar you rmk~ or pay for rep.. n 10
lhr Properry and orhrr i[rms. While rhr decmon to compfy wirh a Huyer's rcgucsI 15 wholly wlrhin your discrecioll, Ir may aIT(ct your abillry CO .e11
your Prop(rry 2l ehr drsir(d prier.
d. Govunmrne Rruofic Srandanis. You musr comply wllh gov«nmenr "rrormlng Standards (unlcss rump'). indlldlllg, but nOI limiced ro:
(J) inSlalling operabl~ smoke derecrors;
(2) bl';1cing w:mr oralen: and
(3) providing tOr Ruyrr with cocresponding written SCalemencs of compliance.
Some ciry and couney governmenu may imposr additional rClrorming scandards, including buc noc limJlrd 10 insc~l1ing
(J) IDw-flow loilru and showerl",ads;
(2) gas shue-off valvrs;
(3) crmprrcd glUJ; :lnd
(4) barr;(lS :lround swimming pools and Sp:l.S.
You should consult witb ehe approprialr govrrnmenr agrncirs, insprC(ors, :lnd oroer professionals co decermine rhe cr[[oflC scandardJ foc your
Property, rhe eXlenr co which your ProP(rty compJj(s with such Standards, :It\d ehe ,:osu, ir any, for compliance.
4. MARKETING CONSIDERATIONS.
a Pn·Sa.lr Considuatioas. Preparing your Pruprrry for s:l.le. such as correcting any defecTS or olher problems, is an effecc;vr w:ly co maximizro
your Proprrcy's markerabilley. B(C2Use many p~~Je :lrr nOI awacr of defecLS or probirollls wilh lheir own Prop(rry, ir may bro informative for you co
have your Proper!)' professionally ilUpeccrd Such inspeCtions C:l.ll include dec~cion of wood descroylOg paLS :lnd organisms, such as lermiles.
By prepuing/rcpainng rhr Proprrcy now, you have ~n opporculliry 10 enhance ehe markerabjJ.lY of your Property berocr jc is vlc:we:d by pocencial
Buyers. Howevrr, any problems dlscoveced by such insprclion reports should be disclosed ro th~ Buy~r. This rcm;>inJ tr\,Ir ~rn if Ihr Burrr obcains
hiS/her own inspcccions coVl:ung rhe umc subjecI mallec, Obtaining IIlspeclion repores can .uS;SI you during coneraCI nrgollallons WlIO Ihe Buyer.
For rxample. if a termilr n:pon has both primary and secondary recomn1rnrlaeiuns for abalement, you nuy ~I co specify in your sales conuact
which of ehrsr crcommrodacions. if any, you Arr going ro pay foc
b. SaIery Measures. Markcflng your Pro perry for s:uc, including buc nOI limHrd 10, placing a keysafrJlockbox, hulding oprn howes, U(ccinl fe"-Ialc
si~ru, :lOd disseminacing phocographs, vidros, and virtual cours of [he p[(mis~s, may jeopJrdiu your personal safrey and lhal of your Properry. YOII
are strongly rncouraged (0 maincaln imul"3nce. and 10 r.1lcr ..ny and all possible preC:lUtlllnS and safeguards to prOleCI your ProperlY, iu occupanrs
and belongings, againsr rhrh, loss, vandalism. damagr, and any olher harm.
c. Pose-Salc Prolection. Home pco[e<:rion or hom~ waITan!)' plans provided to Buyrrs ,,,. of'en usdeul In thal [hey' will g(ncrally rover problems, noc
deemed 10 be prrexill,ing, thac occur afcrr your sale is completed. In rhe even[ som(thing docs g[l wrong afl(~ Ihe salr. and II is co~rrd by thr pilln.
the Buyer may be able [0 rcsolvr rhr concern by eonlaeun!; ehr nomr proteclion company.
d. Expenses. YOII ace advised chat you, nor the Brour. are responsible for 11>r fers and coses, if any. co comply wirh your du/irs and obligalions 10 she
Buyer of your Property.
Sdlcr h~:ln cis this Advisory. By signing below, Sdlrr :Ieknuwldg~ rcceipt of a copy of thl~ document.
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ClD\)(, ("~a ... 11 khnllfl ~ual H"~,,,; 0PrOlIU"''Y Gl ~""Kd 6JQl l I..... td It, I .." • 0._ 0.
680 / 745 . _ _ 1- A _ •••

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StNT BY: COl~~lL BANKER;
310 271 4634;
SEP· 04 4:01PM;
09:16/2004 19:54 FAl 803875J2 Fair.ont Rea Lan1 )fauj FAGE , 5/15
SENT 8Y; CDLDWELL BANKER; 310 271 4834; SEP-1S·04 11 :32PLI; PAGE 212
S~~ l~ O~ 04:23p fII.'!
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C". "-"" .. , " COUNTER OFFER No.~
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Ii OfFER: tft MAKES '11'11$ COUNT ~ OFF~ all 'nIi 'TERMS AaOYE AJlll ACKIIOWL£l)GE$ REefl". oF A. COP'\'.
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682 / 745 ~·d3S

Court File: "Volume IV Continued" !~~N~8 113MG10~ :A8 lN3S
SENT BY: COLDWELL BANKER; 310 271 4634 j SEr '-04 3:59PM; FAGE 13/15
Sep 12 O~ D~:23p jD.3
SENT BY: CO~D~E~L BAN<CH; 310 271 4834; SEP·10·04 3:54PU; PAu~ 2/3
~~
~ COUNTER OFFER No. 0 ~~ (: A I. , ,: () It N I A.
~
(For use by seIer tn 8~. ASSOCI .... TION
"a~ be uaed for ""'tip.. C<lUnte, otter.) Of RE"LTORS:lO
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01 ...,"""", elfe, 1>":" '" Buyer's "'''''.Plane., .net eoo-......COlbOn ~I """"~ 01,-..& ~" shall I1lvolcc lI\is CWnlor 01101. Cou_,
EXPI~AT10N' Ij.... fl,.'! ftICCt-Dt3ll\CC OJ tNs COUnt., Ott.. & ~ tty"", Buylltf Of ~,,~ It:' Wh<'"' it 14 f:tf"'l\'. ftf"t4 ~Cft'lI"r'lvtMt*'ion of .c.cwptlM"'r.fIt
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,t, M ~ CA-'\~\,.o-._~~~~ . oy 5-00 F>~ on tnl7 1ni~~:Jl' 0:Jt0J .;lllor "'oS COunlo, on.,...
."m,," lor. ,I cn,~r."CO. ')40- a.,,,, .
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S. OlfFER: BU " ••A'_." "".'TE. 0"'. "" THE n ... ARO"" A•• Att~EDf'S .,coP' ..ACO~.
- - 03\q._ -I.-Ol[)'1
6. ACCI!PTA~7~~~'t;,1,"no-O-D-O.-tyi.- .;;..~-;e;, c"'~~d 'j:.- 'SUBJECT TO THE A~A~£ C()U~AO"'en).>nd.;lCllnowlcdgC
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..oT( TO S£LL£R: :>0 NOT .:on I" ,,,,, 1lO_ ...,11I.ne, e...,." .111". II> PO"lINiph 5_1 (P....ego-aP" 7 .Il"'e, ~npt. 41. done_.) -'Y"
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COUNTER O~FER (CO-" PAGE 1 OF,)
683 / 745
,
SENT BY: COL~NELL BANKER; 310 271 4834; SEP -04 3:49PM; PAGE 2
CALIFORNIA •
_~ t '" L I r .. RESIDENTIAL PURCHASE AGREEMENT
.a. ~ ,\ . . . () l
I{ '\
I \1 I (I ,
I .\
AND JOINT ESCROW INSTRUCTIONS
~
... () r I{ r. ~ I. I (I II. ...
For Use With Single FamIly Res Identil I Property -AttaChed or Detached
(CAR. Form R"A~. Revised 10102)
Dale September 4 20U4 al . Sevuly Bill" californll
1. OFFER:
A. THIS IS AN OFFER FROM Nivie S4!H4D rBuyen
B THE REAL PROPERTY TO BE ACQUIRED IS a~scnt>ea as 320 S. Peck Prj,... ~, a.verly Hi.ll:s, C! 902U
___ _ . Anessor's Paroel N9 n~-024-023 . SItuated In
Beverly Hills
. County of LeI Angeles . (,a~fom ... rp"O~rN;
C. THE PURCHASE PRICE offered IS One Milll.on Su Bundr_d $eyenty Thounnd
. Dolla~ S 1,670,000,00
D. CLOSE OF ESCROW snail occur on October 15. 2004 (date) (or 0 Days Alter Acceptance)
2 FINANCE TERMS: Obtaining the loans below Is • contingency of thIS Agreement unless: (I) erther 2K or 2L IS chedCad below: or Iii) othefWise
agreed In Wflling Buyer shallac1 dn.gently ana In gOOd taith to obtain the desigl'\llted loans. Obta,""Q deposit. down payment and d06lng costs is not
a contingency. Buyer represents that tunds WIll be good when deposrted WIth Escrow Holder
A. INITIAL DEPOSIT: Buyer has gIVen a depasd In Ihe amount of. . $ 10 1 0 00. 00
to the agent submllltnQ lhe otter (or to LJ ). by personal dheck
for C I made payaOlt 10 _
",h,ch shall be held uncashed until Acceptance and Ihen deposited WIthIn 3 bUSIness days aller Acceptance
. (or :J .__ WIth ),
Escrow Holdel. (or 0 Into Broker'S lrusl account).
B. INCREASED DEPOSIT: Buye, shall deposit w.\I1 Escrow Holder an increased deposit m lhe amount of
w,thln Days Arter Acc6plance. or 0 _
$--------
C. FIRST LOAN IN THE AMOUNT OF .$ 1,336,000.00
(1) NEW First Deed of Trust In favor of lender. encumbenng the Property. secunng .. note payable at maxImum
",teresl of 5 , 500 Ok hxeo rate. 0' 5. 000 % mitial adjustable rate with a maXJmUm interest rate
of _ _ 9 ~ .~. balance due '" 30 years. amortaed OV~ 30 years Buyer shall
pay I~n tees:polnts not 10 exceed (These temns apply whether the deSIgnated loan
IS conventional FHA or VA )
(2) 0 FHA ~ VA iT he follOWIng terms only apply 10 the FHA or VA IOlIn that IS chedled)
=
Seller shall pay
no! to exceed S _ _ .
. _ 'V" d,scounl pOInts Seller shall pay other tees not allowed to be paid by Buyer.
Seller shall pay the cost of lender ~urred Repairs (mcludlng
those for wood oestroyHlQ pesll nol otherwISe provided for In thll Agreement, 0 not Ie elloeed
$ (Adualloan amount may mereU' if mortgage insurilnce premIUms, fundIng
tees or closrng costs are finanCed) .
D. ADDITIONAL FINANCING TERMS: :J Seller finanCIng, (CAR Form SFA); [ill secondary finandng .. $ 167,000.00
(.':: A R Form PM paragraoh 4A), [! assumed financmg (CAR Form PM, paragraph 4B)
-_. - - ---- --- ----------------------------

E. BALANCE OF PURCHASE PRICE I.nOt Indudlng costs of obtalnmg lOans and other doSing costs) In the amount of S ~57 (000.00
10 be depoSIted with Escrow Holder wlttlln suffIcient tlfnl! to close esaow
F. PURCHASE PRICE (TOTALI: $ 1,670,000.00
G. LOAN APPLICATIONS: Wlth,n 7 (or ~ ) Days Aller Acceptance, Buyer shall prOVIde Seller a letter from tender or loan mongaoe
broker stating that based on a review of Buyer's wrillen appllcatton and credit report Buyer IS prequalifl8d or preapproved for the NEW loan
speCIfied In 2C above
H. VERIFICATION OF DOWN PAYMENT AltO CLOSING COSTS: Buyer tor Buyer's lender or loan broker pursuant 10 2G) shall, within
7 (or 0 ) Days After Acceptance. provide Seller wrrtten verification 01 Buyer's down pay~nt and dOSIng costs.
r. LOAN CONTINGENCY REMOVAL: (i) WithIn 17 (or 0 ) Days Atler Acceptance, Buyer sl'Iall. as specified in paragraph 14. r&mOYe
the loan contingency or cancellhlS Agreement OR Iii) (if etlecked) 0 the loan contIngency shall remain in effed until the delignllted loans ere
funded
J. APPRAISAL CONTINGENCY AND REMOVAL: ThIS Agreement is (Oft. if checked, 0 IS Non contingent upon the Proper1y appraislf\O at no
less than !tie speC/fied purchase pnce If Ihere IS a loan c:ontJngency. at tha time ,he loan contngency 1$ removed (or If chedled. all withifl 17 lor
:::J )
Days Arter Acceptance). Buyer shan, as specified ,n paragraph 14B(3). rell'1OYe the appraisal c:onhnQency Dr cancel this Agreement.
It there IS no loan ~.nntlngency. Buyer shall. as specified in paragraph 14B(3). remove the appraisal conbngency within 17 (or ) Day.
After AcceptanOl:
K G NO LOAN CONTINGENCY i1t checked) Obta,nlng any loan" paragraphs 2C. 20 or elsewhere in thiS Agree~nt ,s NOT a contIngency of this
Agreement If Buye, does '101 oblaln the loan and as a 'esult Buyer does not purcha~ the Property. Seller may be entitled to 8vyer s deposit or
other legal remedIes
L 0 ALL CASH OFFER (If ehed<.edl No loan 'S needed to purchas.e the Property Buyer shall. wlrh," 7 (or 011)'1 Arter Acc8ptance.c: )
p,ovoOe Seller wnllen verd,callon 01 sufflC1l!nt fund~ In etose thiS transadoon
3 CLOSING AND OCCUPANCY'
A Buyer Intends lor C does no: Inlend) to occupy the Property as Buyer's prrmary residence
B. Seller.occup,ed or vac20t property: Occupancy shall be delivered to Buyer al 10 ~ AM:J PM. 0 on the date of Close Of Escr_;
oon . or ~ no later Ihan _ Dayl Aner Close Of Escrow. IC A R Form ~AA'pa, ph 2 ) If tr."~er of t/lle and
occupancy de nOlo. ccur al the same lome. Buver and Seller are ad\nsed to. (Il enter into a wnnen occupancy
Insurance: and legal advlSor~
T .... ::C\~1Jt" la""'lo or H~ U'i~' ~r~~:: t,,;:c:., Jutod ...... .J.~Jt~OlJ:.-j
.1 ~h... " J':;
Buyer's In,lIals (
nl: and (11) conwtt with tile.,
( ) G:r_
1I~'>d,,"">" 0' "'~ r•., ,,, ",.,. ",n,CT ",,0<1. ~r
c.m:o:t'O, ~="',." or ~, COn..
"'''Citr.' ."c.L.drc IJCSr-~ l;I ::rr-(lr.~l'lze-~ t",",8':~ C:9,nchl
::~IIFORNI,Oo ... S~OC A~lr.>., OF nE~ T(;~S-~ ,...". ~II PK;HTS' RfS~pVEo
-= ,t"'9'
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I Seller's Initials (
R~l_~ by D:ne
)(
I
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~=
RPA·CA REVISED 10/02 (PAGE 1 OF Il) CALIFORNIA RESIDENTIAL PURCHASE AGREEMENT (RPA-CA PAGE 1 OF e
Agent: N,vle Samaan Phone: (31 0)478183S Fax: (3101 p,.pared using WlNFormsfj sottwlre
Bro.er: Gilltoran & Gnffin R8olIltors 1333 Westwood BlVd. , Los Angeles CA 90024
684 / 745
Court File: "Volume IV Continued" L
SENT 8Y: COLOHELL BANKER; 310 271 4834 j SEF ·04 3:50PMj PAGE 3
Propeny Address, ~;Q S feck un., Pc v ...1 y /1-113 CA 90212 , Dateseptw!her C 200(
C. Tenant"occupled property, (i) Property shall be vlcant at least 5 (or 0 ) Days Pnor to ClOSe Of Escrow, unless otherwise ~l'1Ied
In wrllng Note to Seller. If you are unable to deliv.,. Property vlcant in Iccora.nca with rent control anc! oUler .pplicable t..w. you lTliIy
be In breaCh of this Agreement
OR (ii) iii ched<ed) 0 Tenant to remain in !lossession. The attaChed addendum IS Incorpol7lled imo lt1is Agreement (CAR Form PM,
paragraph 3 I,
OR (iii) ilf enecked) [j This Agr_rTl1!nt is conlJn~nt uoon Buyer and Seller enlenng 1'110 a written agreement regarding OCClJpolnCy of the Propeny
WIth", the lime speafled In paragr.ph 148(1) If no wrrtten agreemenl IS reaChed Wlttlln thIS bme, either Buyer or Seller may canalllnts Agreement
In Willing
D. AI ClOse Of Escrow Seller assigns 10 Buyer any assignable warranty nghl5 for ~ems Included In the sale ana shaft provide an}' •• allab!e Ccpoe~
of such warrant'es Brokers cannot and will '101 delermlne lt1e ass'IlTlllbilrty of any warrantieS,
E. ~ Close Of Escrow unless otherwise agreed In Willing, Seller shall provide keys andlor means to operale all lOcks, mailboxes securrty systems,
alarms and garage door QQeners If Property IS a condominium or lOcated in a convnon interest sUbd",islOn, Buyer may be reQulfed to pay iI
depos~ to the Homeowners ASSOCIation rHOA') 10 obtain II.eys to ac:cessble HOA faCIlitIeS
4, ALLOCATION OF COSTS (If checked}: Unless other../l5e speclfoed here, thIS paragraph only determ,nes who IS 10 pay for the reporl Inspechon, lllSI
or servrce menllofled If not speofled here or elsewhere In thIS Agreement. the del8rmlniltron of who is to pay for any ~ork recommend~ 0' identified
by any such repor1 ,nspectlon tesl or servICe shall be by lhe methOd specifl8d 1M paragraph 148(2),
A. WOOD DESTROYING PEST INSPECTION:
(1) r:::
Buyer 0 Seller shall pay for an InspectIOn and report for wood destroying pests and organi!llTl$ ("Report") wtllCtl shall be prepared
by _ _ _ . a regIStered structural pest
control company The Report shall cover the acce5Slble areas of the me;" bulldtng and attached structures and, If
checked [J detachsd garages and carports, 0 detached dedls, 0 the following other structures or areas
_ _ _, . The Report shaU
not Include roof cove lings If Property IS II condominium or IOCaled In a common Inte'esl sUbdrvialOlt, the Report &l'lall ,"dude only the
sepa,ale .ntereSt and any eXClUSIve-use areas beIng transferred and shlill not ,ndude common areas, unless olt1erwise agf8ed Wak.er tests of
shower pans on upper level units fTllIy '101 be performed wrthout consent of the owne~ of property below the sh~r
OR (2) Qll (If checkfil) The attaChed addendum (C.A R. Form WPAI regarding wood deslroy1l'lg pest Inspection and allocation of cost is incorporaled
,"10 thIS Aoreement
B. OTHER INSPECTIONS AND REPORTS:
(1 I 0 Buyer r:i selle' shall pay to have septic or pllvate sewage dISposal systems inspected _
(2) 0 Buyer LJ Seller shall pay to have domestic wells tested tor water potab"lly and prodUdlvity _
(3) 0 Buyer [81 Seller shall pay lor a nalural hazard zone dlsclosune report prePllred by ..S""...1..1!LIo...r..,'''-'''ch'''-'''o''''4..c......... _
(4) C BUyl!! 0 Seller shall pay for the follOWing rlspedlOn or report _
(5) 0 Buyer 0 Seller shall pay for the followrnO,nspectlon or report _
C. GOVER~MENT REQUIREMENTS AND RETROFIT:
(ll 0 Buyer ~ Seller shall pay for smoke detector InSlallation andlor water healer braCIng. if requlled by l_. PIlor 10 Close Of Elaow, Seller
shall prol/lde Buyer a wrmen stalemenl of compliance In acco~nce witll state and local Law, unleSs exempt
(2) [J Buyer ~ Seller shoIll pay the COSI of comp~ano& with any other mln,mum mandatory govemmenl retrctit standards, IIIspections end
reports ~ reqUIred as a condrtion of dos'"9 escrow under any law, _
O. ESCROW AND TITLE:
(1) [2il Bwer [81 Seller shall pay escrow tee "'1~/... r .......LI;n...d.......l..../'-'2"---'.!I;r,.....
2o.......!.b"l\lLyl(;..... 1 ..1.... _
Escrow Holder shall be Un4eed r.i tl, E.!Ic;ro!!
f21 0 Buyer [g seller shall pay for owner's rrtle Insurance polley speCIfied on paragraph 12 Uni ted Ti tIe CompanyjTony CillhOan
Ownttr S title poliCy 10 be issued by _
IBuyer shall fl:ly for any trtle lMsuranoe COlley InsUllng Buyer's IlInOer, unless otherwISe agreed In wrilong I
E, OTHER COSTS:
(') 0 Buyer IX Seller shall pay County transfer tax or transfer fee _
(2) :J Buyer ~ Sellel shall pay City transfer tax or transfer fft
(3) 0 Buyer 0 Seller shall pay HOA Iransfer fefl _
(4) 0 Buyer r Seller shall pay HOA document preparahon fees _
(5) CBuyer l:i5' Seller shall pay the cosl. not to exceed S 350 00 , of a ohe-year home warranty plan,
Issued by FJ.rst American HQff!S Waromey/Don Green
w~h the follOWing ophon.l coverage
(6) C Buyer [1 Seller shall pay for _
(7) 0
Buyer 0 Seller shall pay for . __ .__~::_:,__----_,_ __- - -__- - - - - - - - - - - - - - - - - - - -
5 STATUTORY DISCLOSURES (INCLUDING LEAD-BASED PAINT HAZARD DISCLOSURES) ANO CANCELLATION RIGHTS:
A, (1) Seller shall ."thln the time specified In oaragraph UA. dehver to Buyer, if required by la.... (I) Federal Lead-Based Paint DiscIO~l'1Is and
pamphlel (" .ead D,sclosu,es', and OJ) dIsclosures or nollces required by sections t 102 el seq and 1103 et seq of the Cal~omla Civil Code
i' Slaillfory D;sclosures') Stalutory DlSclosurl!S 'nclude. bul are nol limited to, a Real Estate Transler Disclosure Statement rroS'}, Natural
Hazald DIsclosure Slalemen1 ("NHDI notl~ or aclual Knowledge of release of Illegal controlled substance, notioe of speaal lax and/or
assessmenls (or If allowed suosianhillly equivalent nohce regardlllg the Mello-Roos Communily Facillies Act and Improvement Bond Ad of
1915, lind ~ seller has actual knowledge, an Industrial use and mllrUlry ordnance locabon disclosure (C,A,R Form SSD)
(2) SI,yer shall ",Hh,n Ihe Irme specrfled In paragraPh '48(11 rei urn Signed Copies of the Slatutory and le.d DI~closures to Seller
(3) In If"le evert Seller pllor to Close Of Escrow, becomes awa'e of adverse condlllon5 matenally atteCllng the Property. or any matena'
,naccuracy '0 disclosures, Informatton 0' ,epresentattons pnevlously provided 10 Buyer of whld1 Buyer is olherwlSe unaware, Sefler 'hoIli
promptlY provlCle a sutlr.eQuent or amended disClosure or nollce, '" wnlln9. covenng those ,tems. !oiowever, subsequent or amended
disclosure snail not be required for conditions and mate nOli inaccuraci". dISclosed in reports orde d p.aid for by Buyer,
COD)"ghl!:. '&;',10C'~ CALIFORNIA ASSOCIATION OF REALTORs,,; I N C !

RPA·CA REVISED 10102 (PAGE 2 OF 8)
Buyer's In'hals (
Seller's In,bals (
, RevIeWed by Dall!
)
)
I.
~
~=
=
CALIFORNIA RESIDENTIAL PURCHASE AGREEMENT (RPA-CA PAGE 2 OF 8) Ib2119DO-ZFX
685 / 745
Samaan v Zernik (SC087400) Los Angeles Superior Court 5'
SENT BY: COLDWELL BANKER; 310 271 4834; SEF -04 3: 51 PM; PAGE 4/15
Property Address ~ PecL [)rae A 'rly Hil.i.z CA 90;.12 Date:sGtember. 2004

(4) If any disclosure or nOllCe specmed rn SAO) or subseQUent or amended dISClosure or notice is dewyered to Buyer a/tlel' the oller 15 SIgned.
Ouyer snail hal/e the rrghl to cancel thIS Ag~emen1 wilhln 3 Oily. "her delivery in ~n, or 5 OiIys Aher delivery by depO$C rI me ma~, by
g.l/rng wwen nOllce of CAncellallon to Seller or Seller's agent (Lead D,sClosures sent by mail mlJSt be s~t certified maH or better.)
(5) Nolll to Buyer ilnd Seller: Waiver of Statutory and Lead Diselc.u,," is pl'ohlbited by l_.
B. NATURAL AND ENVIRONMENTAL HAZARDS: Within the time soeclfied In paragraph 14, Seier sha •. if requIred by lJiw. (I) dehver 10 Buyer
earthquake gurdes (and QueslIonnarrel and enVIronmental hazards booklet· (II) even If exempt from tile obigalron 10 provide I NHD. dlSdose if the
Property IS located In a Soeclal F,ood Hazard Al'lla' Potentlill Flooding ~lnundaUon) /'Irea. Very High F,~ Hazard Zone; State Fire Responsibiily
Are. E.~~cu(lke Faun Zone. SeismIC Hazard Zone: and (iii) disClose any Other zone as reqUIred by Law and provide any ~ Il'\formahon
reqUired for those zones
C. DATA BASE DISCLOSURE' NOTICE: The CaUfornla Department of Justice, sheriffs departments. palrce d~rtments serving JunsdJdJons of
200.000 or more and many other local law enforcement authOr1IeS mall'ltaJn for pubhe access a data base of Ihe Ioc3hons of peMns reQulftld 10
reglSler pu~uant to paragraph 111 of sl.tldlVlsion (a) of SeetJOn 2904 of the Penal Code. The data bue 15 updated en a Quarterly basIS and a
sou roe of Information about :he oresenoe of lhese IndIViduals in any neighborhood. The Departmenl of JUStICe also malntarlS • Sex Ottender
Identrflcatlon line through wneh InqUiries aboutlndrvlduals may be made ThIS lS a "Socr telephone service. Dt!lers must have SPeCJfrc Inform~lOn
about Individuals they are cneckrng Information regarding neighborhoods is nOI available through tile -900· telephone serv,ce
6 CONDOMINIUWPlJ'NNED UNIT DEVELOPMENT DISCLOSURES: _
A. SELLER HAS: 7 lor U I Days After Acceptance 10 dlselose 10 Buyer whetl1er the Property is a CDndom,nlum. or IS located ." a
pjanned unl: del/elopment or other CDmmon Intel'llst subdIVISIOn (CAR Fonm SSO).
B. II the Property 16 a c.ondom,nlum or rs located rn a planned unit development or other common inleres1 subdivISIon, SeRer has 3 (or 0 )
Days Aher Aa::eplance to request from the HOA fCAR Form HOAI' (I) COPIeS of any documents requlfed by Law; (il) dISclosure of any pendll1g
or anllopated c,a,m or illgatlan by or agamst the HOA; (iii) • slalement containing the locabon and number of designated parl"ng and slorage
spaces: (IV) Copies of the most recent 12 months of HOA rnnutes for regUlar and special rT»ellngs; and (v) the names and contact mformation of
"II HOAs gOl/emln9 the Property IcoMeCllvely. 'CI DisClOSures") Seller shll itemIZe and deliver to Buyer all CI DIsclosures recerved from the HO,..
and any CI D,sdosures In Seller s possesSIon Buyers approval of CI Disclosures 1$ II conting~cy of thIS Agreement as specified In parilgr;rph '4
7 cONDITIONS AFFECTING PROPERn':
A. Unless otherwise agreed. (i) the Property is sold la) In ita PRESENT physical condition u at the date of Acceptlnce and {bl eubteCt to
Buyer'. Investigiltion rights; (ii) the Properly, Includng pool. spa, llndscaplng and grounds, is Ie be malflliined In substantially the same
c:.ondltlOn as on the dare of Acceptance, and (iiil aU debriS and personal property not Inclutlltd in the sale shan be removed by Close Of Escrow.
B. SELLER SHALL, within tile time specified In pal'2lgnrph 14A, DISCLOSE KNOWN MA TERlAL FACTS AND DEFECTS affeeling the
Property, including known insurance cllims ...,IU,in Ihe past fin yRrs, AND MAKE OTHER DISCLOSURES RECUIRED BY LAW (C.-'.R.
Form SSD)
C NOTE TO BUYER: You Ire strongly adYlsed to cond\Jcl Investigations of the enli,.. Property In order to determi_ Its preaenl condItion
stnce seller may not tie ilware of all defects i1Heding the Property or other facto... that you consider Important. Property impro...ments
may not be bul" according to code, in compliance with CUmlnt Law. or nav. hid permItS issued.
D. NOTE TO SELLER Buyer MS the right to inspect the Property and, as speetfred in paragraph '48. based upon Informallon discovered In
Ihose Inspealons: (i) clncel thrs Ag~m.nt: or Iii) request that you make Repairs or take other Iction.
e, iTEMS INCLUDED AfojD EXCLUDED:
A. NOTE TO BUYER AND SELLER: Items hsted as ."cluded or .xcluded m lhe MLS. flyers or marketing materials Ire not Inclllded in tn. purchase
pnce or exCluded from the sale unless specified In 8B or C
B. ITEMS INCLUDED IN SALE:
(1) All EXISTING fixtures and flllrngs that are attached to the Property
(2) EXISllng el.arrcal mechalllcai. Ilghllng. plumbing and neatlf1Q fixtures, ce~rng lans. fIreplace inserts, gas logs and grates, solar SyslelT1$
Dul"'n ~ppliances Window and door screens, iiwnrngs, shutters. window coveflngs, attaChed Noor cOYeflngs, h!leviSlon antenn... ssteMe
dishes prrvale Integrated lelephone syslems air coolers/conditioners, pooVspa equipment garage door opener&lremote controle. maitJox.
In-{jrouno lanoscaplng, treeslshrubs waler softeners water purifiers, secumy syslems/alarms; Ind
(3) The followlny Ilems __
(4) Seller represenls mat all items Included In lhe purchase pnce unless otnerwlse specified. are owned by Seller.
(5) AU Items Inci.Jded shall be lransterred 'ree of hens and WIthOUt Seller warramy.
C. ITEMS EXCLUDED FROM SALE: . ~ _
9 BUYER'S INVESTIGA nON OF PROPERTY AND 1M TTERS AFFECTING PROPERTY:

A. Buyers acceptance of the condnlan of i1no any other matter aHeellng !he Property, IS a contrngency of thIS Agreement as specified In thIS
parallraoh and paragraph 148 WIthin the time specified In paragraph 14B(1). Buyer shall have Ihe nght. al Buyer'S expense unless otherwise
agreed tD conduCl Inspedlons InveSll9atlons. tests. surveys and other studIeS ("Buyer InYestlga~ons·) rneluding. but nol limited to, the righlto: (I)
,nspect for leild-based palMI and other lead-based parnl hazards. (II) inspect for wood destroyrng pests and organISms; (iii) revteWltle ~Istered
sex offenoer dalabase, (iv) conllm' the Insuraodrty of Buyer and lhe Property and (v) salJsfy Buyer as 10 any mener specifre<! In the attached
Buyer's InspeCllon AdVisory ,C A R Form SIAl WlthoUI Sellers pnor wflllen consent. Buyer shall nelltler malle nor cause 10 be made: (I) lOVlISlve
or deslruC1/Ve Buyer Inve1>ligal'ons or (illlnSPeCl,onS by any governmentOlI bUilding Of zoning Inspector or go.... mment employee. unle55 required
by Law
B. Buyer 5"0111 CDrT~lete Buyer Inve~hgallons encl. e~ speCIfied In paragraph 146. remove Ihe c:.onllngency or cancel thIS Agreement. Buyer shall g_
Seiler at no cost complete Copies of all Buyer Inl/estlgatlon reports obtained by Buyer Seller shall make the Propeny a...adable for all Buyer
Invesllgahons Seller shaU h<Jve WOller gas. eteetncty and all opersble pllOI lights on tor Buyers Inveslrgahons and through the dale possessIOn IS
made ava,IOlble Ie> Buve' ~
~~~,n~nl ';: ·\l~l.~Q~~ CALJFORNI~ A$SOCI"TION OF REALTOR~ INC I

Buyer's Imtlals (
~ller'S InlhslS ( '
(___ _ ;
)( ) =
I =:.=
RPA·CA REVISED 10/02 (PAGE:I OF 8) ReVIeWed by Dale
CALIFORNIA RESIDErfTlAL PURCHASE AGREEMENT (RPAoCA PAGE J OF 8) Tf,2KY~~O]r>;
686 / 745
~
SENT BY: COLDWELL BANKER;

310 271 4834; SEI i·04 3: 52PM; PAGE 5/15
Property Address. 320 S peci PClY!! acv llr1 y #1. 1 1: CA 9Q212 Date: Sepcpmb.r C 200e
10. REPAIRS: Repan shall be completed pnor to fln.1 verification of condition unless otherwISe agrMd In wrling. ~Irs III be performed at Selers
expense may be performeCl by seller or through othe~. provided tnat the work c:on'lllhes with applICable Ln, ne:tud1nO govemmenlll permit. rnsp8dlon
and approval reqwement5 Repairs shaU be perfonnned In a good. skillfUl manner with matenalS of Q\lallly and appearal'lOl comparaDle to .:rlStmg
materials 11 IS understood thaI exad reSloralJOn 01 appearance or cosmetic items foUOWl"O II Repair.; rNy not De l)OSsible. Seller shall: (I) ob""n
receipts tor Repalls performed by others. (ii) prepare 8 wntten statement Indicating the Repai~ performed by Seller and the date 01 SlJch RepaIrs and
(iii) provide CopteS of recelDlS and statements to Buyer pnar to final verification of C%lnditlon.
11. BUYER INDEMNITY AND SELLER F>ROTECTION FOR ENTRY UPON F'ROPeRTY: Boyer sh., (i) keep the Property !Tee and dear of hens: (ii)
Repall 'III damage anslnQ from Buyer Invcstogahons' and (iii) Indemnify and'hold Seier hannless from all rlt$Ulung I~bilrty dams, demandS, damages
and costs. Buyer shall carry. 01 Buyer shall requlIe illlyune .alng on Bl:,ers behalf 10 carry. Du,;::!e! of :,at;liry, _ ...... re' -::omper~" -I'ld oll'ter
applic.able Insurance defending and proteding seller from lJabiltly for any InjUries 10 persons or property oCC\Jnrtng durw'lg any Buyer InveslJOatlOll5 or
wor1< done on the Property at Buyer'S dlrectton prror to Close Of E.scrow Seller IS advu.ed that certa,n protedlOrls may be afforded Seller by rec:ordlng ..
'Notlce of Non-responslblhty" (C A.R. Form NNR) for Buyer Investigations and work done on the Property at Buyer's dtreClIOn. Buyer's objigatlon~
unoer thiS paragf1lP~ shall survIve the termlnahon of thIS Agreement
12. TITLe "NO VESTING.
A WithIn Ina lIme sQecified in paragraph 14. Buyer shall be provided a current prehminary (title) report. WhICh is only an ofter by the tille Insurer \0
Issue a policy of title Insurance and may nol conlarl every rtem affeding title. Buyer's revIeW of the preliminary report and any other matters whICh
rr'.ay atfl!etlille are a contmgency of this Agreement as specified In paragraph 146. _
B. Title IS taken in ns present condn,on subject to 811 enCUmbrances, easements, covenants, c:onditions, restrictIOns. rghts and ()(hI!r maner.;. Whether
of record or not. as of the d8te of Acceptance exc&pl (I) monetary liens of record unless Buyer 1$ :assurmng those oblogallons or takIng the Property
subject to those obligations: and (II) those matters whld1 Seller has agreed to remove in wn\lng.
C Withll1 the tme specfled on paragraph 14A. Seklr has a duty to dISClose to Buyer all matter.; known to Seller aftectW1g title. whether of record or not
O. At Close Of Escrow. Buyer shall receIVe a grant deed conveYIng title (or. for stock cooperatIYe or Iong..erm Ielse. an a55tgnment of stock
certifIcate or of SeUers leasehold Interesl), IncludIng oil. mneral and water riQhts if currently owned by Seller. Title shall vest as designated In
Buyers supplemental esCfOw instructIons THE MANNER OF TAKING TITLE MAY HAVE SIGNIFICANT lEGAL AND TAX CONSEQUENCES
CONSUL T AN APPROPRIATE PROFESSIONAL.
E. Buyer shall receIve a elTA/ALTA Homeowners Policy of Tille Insurance. A tiUe company. at Buyer's request, can provide Information about the
availability. desirabiloly. covef1lge. and cost of vanous totle insurance coverages and endorsements. If Buyer desires title oovel'llge other than tl\at
required by thIS parlglaph, Buyer shall onsln.Jct Escrow Holdlt!' in writing and pay any increlse in cost.
1:3. SALE OF BUYER'S PROPERT't':
A. ThiS Ag~menl is NOT contongent upon the sale of any property owned by Buyer
OR B. 0 (II checked) The attaChed addendum (C.A R Form Cop) regardIng the contingency lor the sale of property owned by Buyer is incorporated
tOto thIS Agreemenl
14. TIME PERIODS: REMOVAL OF CONTINGENCIES; CANCEUATION RIG fITS: The follOWing lime periods may only be emnded, "tered.
modified or changlKl by mLJtUJII wntten agreement. Arry removal of contingencies or cancellation under this paragraph must be in wrftinV
(C.A.R. Form CR).
A. SELLER HAS: 7 (or U ) Days After Acceptance to delIYer 10 Buyer all reports, dIsclosures and information for whiCh Seller is
responSible under paragraphs 4. 5A and B 6A 7B and 12.
B. (1) BUYER HAS: 17 lor ~ ) Day I After Acceptance. unless otherwise agreed in w~. \0
(i) complete all Buyer Investigations: approve all Olsdosures. reports and other applicable infonNlbon. wtllch Buyer recehles from Seller: and
approve all fT111tlers a!'feet,ng the Property Cindudlng lead-baM:d pamt and lead·blIsed paint huard' as _II ill other Informatiorl lpecifllld in
paragraph ~ and Insurabolny of Buyer and the PropenYl: and
(ii' return 10 $eller Srgned COPies of Statutory and Lalld DlSclosuru delivered by Seller in accordance with paragraph SA.
(2) Wrthln the tome specifiec 111 148(1). Buyer may request that $eller make repairs or take any other actIOn regarding the Property (CAR. Form
RR I Sellel has no obligation to agree to or respond to Buyers requests
(3) By the end of the lIme specif,ed In 148(1) (or 21 for loan contingency or 2J II)( appraisal contingency), Buyer shall. ,n writi'lg, remove the
applicable contongency iC A R Form CR) or cancel thiS Agreement. However. il the folloWl'lg InspeCllons, reports or disclosures are not made
Within tN! h~ specified in 14A. then Buyer has 5 !or 0 ) Days after receipt of any such rtems, or the tme specified In
14B(I) whIChever IS later 10 remove the applicable contingency or cancel thiS Agreement in writing: (I) govemment-mandated Inspecrions or
reports reqUIred as a condrtion of clOSing, or (Ii) Common Interest Disclosures pursuant 10 paragraph 6B
C. CONTINUATION OF CONTINGENCY OR CONTRACTUAL OBUGATION; SELLER RIGHT TO CANCEL:
(1) Seller right to Cancel; Buyer Conllngenci..: Seller. after first giving Buyer a NotlOll to Buyer to Perform (as specified belOW). may cane.'
lhls Agreement In wnung and authOrize retum of Buyer's deposit If. by the lime specified In this Agreement Buyer does nO! remove in wrtIlng
ttoe applicable con~ngency or cancel thIS Agreement Once a~ c:ontlngencles have been removed. ta~ure or aiU1er Buyer or Seller to dose
escrow on lime may be a breach of thIS Agreement
(21 Continuation of Contingency: Even Oilier the expiratIon of the lime speCIfied In 14B(1). Buyer retaIns the right to make reque.blto ~lIer.
remove In wrlt1ng the applicable conhngency 01 cancel thIS Agreement until Seller cancels pursuant to 14C(1). Once Seller receIves Buyer's
wllllen removal of all conlJngenCles. Seller may not cancel thIS Agreement pursuant to 14C(1).
(3) Seller right to Cancel; Buyer Contract Obligations: Seller, after Itrst gl\ll"9 Buyer a Holoce to Buyer to Parform (as specified below). may
cancel th,s Agreement In wrllJng ano authorize return of Buyers deposit for any of the fOllow,ng reasons· lllif Buyer la,ls 10 deposit funds as
reqUIred by 2A 01 2B. (II) If tne funos depos,Ied pursuan: 10 2A or 2B are not gOOd when deposted; (iii) If Buyer fails to proVIde a Ieller as
requorPd by 2G (IV) rt Buyer faits to provide verification as reqUired by 2H or 2L: (v) il Seller rea50nably disapproves 01 the venflcalJon provided
by 2H Of 2L (Vi) If Buyer fa.ls to return Statutory and Lead D'scJ05ures as required by paragraph 5A(2J; or (vii) rr Buyer tails to s'll" or initIal.
~eparale IIQutOllted damage form tor an Increased deposil as requIred by paragraph 16 S.,ler is nDC f'lIqu,red to give Buyer I Nolie. 10
Perform regarding CION of Escrow
(4) Notice To Buyer To Perlomn: The NotICe to Buyer to Perform (e A R Form NBP) shall (i) be In wnhng; (ii) be SlgnlKl by Seier, and (iii) glv.
Buyel at leasI 24 for [J __ . _ ) hours I.or untillhe lime specifed In II'le apphcable pel'llgraph, whic~ever..9,FUrs last) to takt the applreable
action A Nottce ro Buyer 10 Perform may not be given any earlier lhan 2 Days Proor to the eXPlI'ation;&! ~pphCable trne for Buyer to remove
a contlngenr.y or cancellhlS Agreement or meet a 1403.1 obligation
I~Opy·'.,t c: t&~1·2Dr.·~ CALIFORNIA ASSOCIATlON OF REAl TORSe.; INC

Buyer'S Innlills ( ~
Seller's InitIalS (
I {
>
I
G}
RPA-CA REVISED 10/02 (PAGE 4 Of 8) : Rev-.ed by Dale I .....,.... ,
.-.-
CALIFORNIA RESIOENnAL PURCHASE AGREEMENT (RPA-CA F>AGE 4 OF I) r61sQ2,11l.l.FX
687 / 745
Samaan v Zernik (SC087400) Los Angeles Superior Court -,
SENT BY; COLDWELL BANKER; 310 271 4834; SEP ·04 3:53PM; PAGE 6/15
Property Address l2..C.....S... PAck ~r.1Ye Beyc:r1'{ Hill" CA 9Q212 . Dale September f 20.,4
D. EFFECT OF BUYER'S REMOVAL OF CONTINGENCIES: If BlIYer removes, In wrttlng, any conlingency or cancellatIOn rights, unless otllerwlSl
specified" a separate wrmen agreement between Buyer an<! Seller. Buyer s~n conc;us.lIely be dHmed to t\ave (I) completed III Buyer
In\lE!sugahons, and review of report! and other aPPlicable informatIOn and dlsdosures pertammgto It\at conlingency or cancellallon right; (II) elected
to PlOceed wrtt'l It'le transac:!lon. and lUI) assumed ailliabiity. respon$lb~ity and expense lor Repan Of corree:tlonl pertll'\Ing to that conttng8!1CY or
~ncellauon ngt'll. or for inability to oblllln mancing
E. EFFECT OF CANCELLATION ON DEPOSITS: If Buyer or Seller \lives written nollce of cancellation pursuant to nghlS duly exercISed under the
terms of thIS Agreement. Buyer and Seller agtH to Sllln mutual IOstnldlOnS to cancel the sale and escrow and release depeW. less tees and
rosts. to the party entllted 10 lne funds Fees and costs may be payable to service proVIders anel vendors lor servces and produdS provided Dunng
escrow Release of lunOS will require mut~1 Signed re!.... instn::rettoNl h",;,m BL.,;r anrl seller. Jutlocilll dec..lon 0( arbitration _rd. A
party may be subject to II civil penalty of up to $1,000 for refusal to sign such Instructiol'lS If no good faith disp~ eXINit _ ttl WhO IS
enliUed to the deposited funds (Civil Code §1057.3).
15. FINAL VERI FICA flON OF CONDrTiON: Buyer shall have lIle riQhtlo make ;/ final inspection of \he Properly with,n 5 (Or 1 Day. Pnor
to Close Of Escrow NOT AS A CONTINGENCY OF THE SALE. but solely to confrm: (I) tile Property is malntalnll<l pursuant to p.af1lgf1lpn 7A. (ii)
Rep.lars t'lave been comp~led .s agreed: and (1111 Sel~r t'laS complJed with Seller's other obligatIons undef" thIS Agre.ment
16. L1aUIDATED DAMAGES: If Buyer fails to complete this purchase because of Buyer's default, Seller sh." retain,
as liqUidated damages, the deposit actually paid. If the Property is a dwelling with no more than tour units, one
of which Buyer intends to occupy, then the amount retained shall be no more than 3% of the purchase price.
Any exceS5 shall be returned to Buyer. Release of funds will require mutual, Signed release instructions from
both Buyer and Seller, judicial decision or arbitration awa • BUYER AND SELLER SHALL SIGN A SEPARATE
LIQUIDATED DAMAGES PROVISION FOR ANY INCR DEPOSIT. (C.A.R. FORM RID)
Buy.r. Init~1s Sell.,.. Initiliis
17 DISPUTE RESOLUTION:
A. MEDIATION: Buyer and Seller agree to mediille any dispute or claIm ar\slng belWlNn them out of thIS Agreement. or af"foj resulting tf1lnsaction.
belore resomng to ;/rbrtrat'on or court actIOn. Paragraphs 178(2) and (3) below epply whether or notlt'te Arbitration provisIon IS initialed ued.-t.on
lees. if any shall be dwlded equally among the parties mvotved ". tor any dispute or daim to whrc/l thIS paragraph applies. any party commences
an aellon without firsl Ittempllng to resolve the matter Ihrough mediation. or refuses to medIate after a request has been made. then tl'lll pany
shaa not be entItled to recover attomey lees. even if they would olherMn be available to that party on any suc/l adJOn THIS MEDIATION
PROVISION APPUES VVHETHER OR NOT THE ARBITRATION PROVISION IS INITIALED
B. ARBITRATION OF DISPUTES; (1) Buyer and Seller agree that any dispute or claim In Law or equity .rising
between them out of this Agreement or any reSUlting transaction, which Is not settled through mediation,
shall be decided by neutral, binding arbitration, Including and subject to paragraphs 178(2) and (3) below.
The arbitrator shall be a retired judge or justice, or an attorney with at least 5 years of I'8sidential real estate
Law experience, unless the parties mutually agree to a different arbitrator, Who shall I'8nder an award in
accordance with substantive California Law. The parties shall have the right to discovery in accordance with
California Code at Civil Procedure §1283.05. In all other respects. the arbitration shall be conducted in
accordance with ntle 9 of Part III of the California Code of Civil Procedure. Judgment upon the award of the
arbitrator(s) may be entered into any court having jurisdiction. Interpretation of this agreement to arbitrate
(2) EXCLUSIONS FROM MEDIATION AND ARBITRATION: TIl. following matters .ra excluded from mediation and arbitration: (II- judicial
or noniudiclal foreclosu~ or other action or p~lng to enfon:e 1I d..-d of trust. mortgae- or ins~lIment land sale contnlet _ d1efinecl
in california Civil Code §2~B5; liil an unlawful detainer action; (/II) the filing or Imforcement of a mechanic's lien; and (ivl any m.tter that
is wIthin tne jurisdiction of .. prob:lta, .1NI1l claims or bankruptcy court. The filing of a court action to enllbla the recOrding of a notice of
pending action, for oreMr of atachment recelYership, Injunction. or other provisional rem.d~. shall not constitute .. walYer of the
mediation and arbitration provisions.
(3) BROKERS: Buyer and Seller agr.. to m.diallllnd arbitrate disputes or claims Involving eIther or both Brok.,.. consistent with 17 A
and B. provided eithl!r or both Brokers shall have agreed to such ml!diation or arbitration prior to, 01 within a reasonabfe tJme arter, the
disput. or claim is pre5ented to Broilers. Any electlon by either or both Brokers to partlci~e In mediation or IrbitraUon ItIlIII not ,.. .ull
in Brokers being deemed p8rties 10 the Ag... m~nt.
"NOTICE; BY INITIALING IN THE SPACE BELOW YOU ARE AGREEING TO HAVE ANY DISPUTE
ARISING OUT OF THE MATTERS INCLUDED IN THE 'ARBITRATION OF DISPUTES' PROVISION DECIDED BY·
NEUTRAL ARBITRATION AS PROVIDED BY CALIFORNIA LAW AND YOU ARE GIVING UP ANY RIGHTS YOU
MIGHT POSSESS TO HAVE THE DISPUTE LITIGATED IN A COURT OR JURY TRIAL. BY INmALING IN THE
THOSE RIGHTS ARE SPECIFICALLY INCLUDED IN THE 'ARBITRATION OF DISPlTTES' PROVISION. IF YOU
REFUSE TO SUBMIT TO ARBITRATION AFTER AGREEING TO THIS PROVISION, YOU MAY BE COMPELLED
TO ARBITRATE UNDER THE AUTHORITY OF THE CAUFORNIA CODE OF CIVlL PROCEDURE. YOUR
"WE HAVE READ AND UNDERSTAND THE FOREGOING AND AGREE TO SUBMIT DISPUTES ARISING
OUT OF THE MAnERS INCLUDED IN THE 'ARBITRATION OF DISPUTES' PROVISION TO NEUTRAL
ARBITRATION." Buy.r's Initials I r Selle,..s Initials
;> .,
Buyer's InItials ( '/3)) ( ) G:r

=
CClPl"9,t c:: 1~~'·2C·::. CALiFOIlNIA ASSOC'AT10N OF R!:'AI TORSCI INC
RPA.CA REVISED 10102 (PAGE 5 OF 8) Rev_eo b'\' Dale
I
Seller's InitialS ( )I )
I ==
CAUFORNIA RESIDENTIAL PURCHASE AGREEMENT (RFlA-CA FlAGE 5 ~ Il) IIl~A9230.£FX
688 / 745
Court File: "Volume IV Continued" )'
SENT BY: caL~ELL BANKER; 310 271 4834; SE' ?-04 3:54PM; PAGE 7/15
Property Addre~ 32l' S fe.X DVV!! L <r 1 y Hil~3 ca 90212 _____ Date: September 4 2QDf
18. PRORATIONS OF PROPERTY TAXES AND OTHER ITEMS; Unless ottlerwJ5e agreed in writing, ttl. fO~OWIf'Ig ~ems sha~ be PAID
CURRENT and prorated between Buyer and Seller as of Close Of Escrow' real property 1axes and assessments. Interest, rents,
HOA regUlar speClal. dnd emergency dues and assessments imposed prior to Close Of Escrow, premiums on insurance assumed
by Buyer. payments on bonds and assessments assumed by Buyer, and payments on Mello-Roos and other Special Assessment
Dlslnct bonds ano assessments that are nO\N a lien. The lollowmg items shall be assumed by Buyer WITHOUT CREDIT taward the
purchase price: prorated payments on Mello-Roos and other Speaal Assessment Distnet bonds and assessments and HOA speoal
assessments that are now a lien but not yet due. Property will be reassessed upon change of ownershrp. Any supplemental tax bills
shall be paid as follows (\) for_per!ads after Clo!le Of EsCl'OYt'. by Buyer, and (ii) lor penods poor to Close Of Escrow. by Seller. TAX
BILLS ISSUED AFTER CLOSE OF ESCROW SHALL BE HANDLED DIRECTLY BETWEc:r,j BuYER AND SELLER Pro1C!t:O"'! Shllll
be made based on a 3D-day monlh
19. WITHHOLDING TAXES; Seller and Buyer agree to execute any Instrument. affidavit, statement or instruction reasonably necessary
10 comply With federal (FIRPTA) and California withholding law, if required (CA.R. Forms AS and AS).
20 MULTIPLE LISTING SERVICE ("MLS"): Brokers are authorized 10 report to the MLS a pending sale and, upon Close Of Esaow, the
terms of thiS 1I,mSaCllon to be published and dissemlOated to persons and enllties authonzed to use the information on terms
approve<:! by the MlS
21. eaUAl HOUSING OPPORTUNITY: The Property is sold in compliance with federal. s1i1te and Iocalanti-discnmmahon Laws.
22 ATIORNEY FEES: In any action. proceeding, or arbitration between Buyer and Seller arisltlg out of this Agreement. the prevaiting
Buyer or Seller shall be entrtled 10 reasonable attorney fees and costs from the nOll-prevailing Buyer or Seller. except as prOVIded in
paragraph 17A
23. SELECTION OF SERVICE PROVIDERS: If Broken; refer Buyer or Seller to persons. vendors, or service or product providers
('PrOViders'). Broker~ do not guarantee lhe performance of any PrOViders. Buyer and Seller may select ANY Provid«s of their own
choosing.
24. TIME OF ESSENCE: ENTIRE CONTRACT; CHANGES: Time is of the essence. All understandings between the parties are
incorporated In th,s Agreement. Its terms are Intended by the parties as a final. complete and exdusive expression of their
Agreement wrth respect to its subJect malter. and may not be contradicted by evidence of any prior agreement or contemporaneous
oral agreemenl If any prOVISion of this Agreement is held to be ineffective or invalid, the remaining provisions will neverttlelen be
gIven full force and effect Neither this Agreement nor any provision in It may be extended. amended, modified, .Itered or
changed, except in writing Signed by Buyer and Seller.
25. OTHER TERMS AND CONDITIONS. including al18ched supplements:
A. 0 Buyer's Inspection AdVISOry (CAR. Form BIA)
B. 0 Purchase Agr!,!ement Addendum (CAR Form PM paragraph numbers:
C. Sellcor to pay buyers clo"inq CQ"t" j,n AD &mQWlt not to MCa<td 2' (two percent) or c:be fi.nal
purclla.se price Seller.i, ....ar. We buyer hqlcH: • C.l.itom,i. Rgl E#C;aCc LicIW".
26. DEFINITIONS: As used In this Agreement:

A. "Acceptance" means the hme the offer or final counter offer Is accepted in writing by a party and is delivered to and personally
received by the other party or that party's authorIZed agent in accordance with the terms of this ofter or a final counter offer.
B. "Agreement'· means ttle terms and conditions of this accepted California Residential Purchase Agreement and any accepted
counter offers aoo addenda
C. "C,A.R. Form" means the specific form referenced or another comparable form agreed to by the parties.
o "Close Of Escrow" means the date the grant deed. or other evidence of transfer of Iitte. is recorded. tf the scheduled close of
escrow falls on a Saturday Sunday or legal holiday. then dose of esCl'ow shall be the next business day after the scheduled
close of escrow date.
E. "Copy" means copy by any means including photocopy, NCR, facsimile and electronic.
F. "Days" means calendar days. unless othefWlse reQurred by LIrN.
G. "Days After" means the speCIfIed number of calenoar cays after the occurrence of the event specified. nol counting the cale:"ldar
date on which the speCIfied event occurs and ending at 11 :59PM on the final day.
H. "Days Prior" means the specified number of calendar days before the occurrence of the event specified, nol counting the
calendar date on Which the soecifted event is scheduled to occur.
I. "Electronic Copy" or "Electronic Signature" means. as applicable an electronic copy or signature complying wfth Califomia
law. Buyer and Seller agree thaI electrOniC meSnE; will not be used by eilher party to modify or alter ttle content or Integrrty of this
Agreemenl without the knowledge and consent of the other
J. "Law" means any law. code, statute. ordinance. regulation, rule or order. which is adopted by a controlling city, county. state or
federalleglslatrve, judiCial or executive body or agency.
K "Notice to Buyer to Perfonn" means a document (CAR Form N8P). which shall be in wrrting and Signed by Seller and shaH
give Buyer at leasl 24 hours (or as otherwise specified in paragraph 14C(4)) to remove a contingency or perfonn lIS
applicable
L. "Repairs" means any It!~alfs (inclUding pest control). alterations. replacements, modificallons or retrofilhng of the Property
proVided lor under this Agreement
M. "Signed" means either a handwritten or electronrc signature on an onginal document. Copy or any counterpart
N. Singular and Plural lelms eaen inClude the other. when appropriate
Buyer's Imhal$ ( /7~(

~
) ~
C~~'''9":'' 1~9' ;:OC: CALIFORNIA .e.SSOCIATION 01 REAL TOR~ INC
RPA-CA REVISED 10102 (PAGE 6 OF B)
I
$eller's Initials (
R~_tl by Dale
: ( )
I l.SJ
=-=
CALIFORNIA RESIDENTIAL PURCHASE AGREEMeNT (RPA-CA PAGE 6 OF 8) T6289nOlrX
689 / 745
Court File: "Volume IV Continued" q
SENT BY: COL~~ELL BANKER; 310 271 4834; SE' 2-043:55PM; PAGE 8/15
Property Address 32(1 S Peci< ~ ,;.;1 Y Hil i s CA 90212 Dale: Sept.per 4 ZOO,
27. AGENCY.
A. DISCLOSURE: Buyer and Seller each acknowledge pllor receipt 01 CAR. Form AD 'Oisdosure Regarding Real Estate Agency
RelaTionships
B. POTENTIALLY COMPETING BUYERS AND SELLERS: Buyer and Seller each aCknowledge recetpt of a disclosure 01 the
possibility of muillple representalton by the Broker representing that pr~Clpal. ThIS discloMJre may be pan of a listing agreement,
buyer-broker agreement or separate document (C.A.R. Form DA) Buyer understands that BrOker representing Buyer may also
represent other potential buyers. who may ronsider. make oHers on or ultimately acquire the Property. Seller understands that
Broker representing Seller may'also rep'resent other sellers With compehng properties of interest to thiS B:.ryer
C CONFIRMATION: The follOWing agency relahonshlps are hereby confirmed for thiS transaction:
Listing Agent ,. Coldwell Bank" (Pnnt Firm Name) IS the agent
of (ched one) [).j the Seller exclUSively: or 0 both the Buyer and Seller.
Seiling Agenl GiUertn Griffi.n R..ltor.s (Pnnt Flrln Name) (if not same
as lis\lng Agent) is the agent of (check one): Qillhe Buyer exclusively: or 0 the Seller excluslVety·, or 0 both the Buyer and
Seller Real Estate BrOKers are not parttes to the Agreement between Buyer and Seller.
28 JOINT ESCROW INSTRUCTIONS TO ESCROW HOLDER:
A. The follOWing paragraphs. or applicable portions thereof, of this Agreement constitute the joint escrow instr\Jctions of
Buyer ;md Seller to Escrow Holder, which Escrow Holder IS to use along with any related counter offers and addenda. and any
additional mulual instructions to close the escrow' 1, 2. 4. 12.. 13B, 1.E, 18. 19. 2<4. 256 and C, 26, 28. 29, 3:2A. 33 and
paragraph D of the section lltled Real Estate Brokers on page 8. If a Copy of the separate compensation agneement(s) provided
for If) paragraph 29 or 32A. or paragraph D of the section titled Real Estate Brokers on page B is depoSited with EsC/ow Holder
by Broker, Escrow Holder shall accept such agreement(s) and payout from Buyer's or Seller's funds. or both, as applicable, the
Broker's compensation prOVided for In such agreement(s). The terms and o:mdllions of this Agreement not set forth in \tle
specified paragraphs are additional mailers for the information of Escrow Holder. but about which Escrow Holder need not be
concerned Buyer and Seller Will receive Escrow Holder's general prOVisions directly from Escrow Holder and will elCecute such
prOVISiOnS upon Escrow Holder's request. To the extent th~ general provisions are inconsistent or conflict with this Agreement.
the generi'll prOVISions Will control as to the duties and obligations of Escrow Holder only, Buyer and Seller will execute additional
Instructions, documents and forms prOVided by Escrow Holder that are reasonably necessary to close the escrow.
B. A Copy of thiS I"-greement shall be delivered to Escrow Holder within 3 business days alter Acceptance
(or r:J ). Buyer and Seller authorize Escrow
Holder to accept and I ely on COpIes and Signatures as defined ,n this Agreement as originals, to open escrow and for other
purposes of escrow The validity of this Agreement as between Buyer and Seller is not affected by whether or when Esaow
Holder Signs thiS Agreement
C. Brokers are a pany to the escrow for the sole purpose of compensation pursuant to paragraphs 29, 32A and paragraph 0 of the
section titled Real Estate Brokers on page 8, Buyer and Seller Irrevocably assign to Brokers compensation speCIfied in
paragraphs 29 and 32A. respectively. and irrevocably Instruct Escrow Holder to dIsburse those funds to Brokers at Close Of
Escrow or pursuant \0 an'; other mutually executed cancellation agreement. Compensation Instructions can be amended or
rel/oked only With the wnnen consent of Brokers Escrow Holder shall Immediately notify Brokers: <I) if Buyer's initial or any
additional depos,t IS not made pursuant to this Agreement. or is not good at time of deposit with Escrow Holder; or (iI) if Buyer
and Seller instn.Jct Escrow Holder to cancel escrow
0, A Copy of any amendment that affects any paragraph of this Agreement for which Escrow Holder IS responsible &hall be
delivered to Escrow Holder withrn 2 business days after mutual execution of the amendment.
29. BROKER COMPENSATION FROM BUYER: II applicable. upon Close Of Escrow. Buyer agrees to pay compensalioo to Broker 85
specif,ed In a separate written agreement between Buyer and Broker.
30. TERMS AND CONDITIONS OF OFFER:
This IS an offer to purchase the Property on the above terms and condilJons. All paragraphs with spaces for Inlhals by Buyer and
Seller are Incorporated In thiS Agreemenl only if initialed by an panies. If at least one but not all parties initial. a counter oHer is
reQurred until agreement IS reached Seller has the nght to contmue to offer the Property for sale and to accept any other offer at any
time prior 10 notlkalion of A=ptance Buyer has read and aCknowledges receipt of a Copy of the offer and agrees to the above
conflrmallon of agency relationships. If thiS offer IS accepted and Buyer subsequently defaults. Buyer may be responSible for
payment of Brokers compensa!lon ThiS Agreement and any supptement. addendum or modification. including any Copy. may be
Signed In fWO or more counteroarts. all of which shall constitute one and the same writing.
1/'0
~ )[
Buy@r's IMlals (
'.00, 'ghl ;: , 991·2::': ,~,l,lI~ORNIA ~5S0CI'"nON or REAL I OflSll'.·, INC I

Sellers Inihals ( ) ( G)
RPA-CA REVISED' 0/02 (pAGE 7 OF 8' Rev ........"" Dy Oale 1 ....-
""'I_~'
CALIFORNIA RESIDENTIAL PURCHASE AGREEMENT (RPAoCA PAGE 7 OF 8) H:!!ll/230.7fX
690 / 745
(0;
SENT BY: COLDWELL BANKER; 310 271 4834; SEf )·04 3:56PM; PAGE 9/15
Property Address: 12' S Pc;cA: Dnye ly Hi1l3 ca 90212 Date Sept_bar 4 212.Q.t
31. EXPIRATION OF OFFER: This offer shill be deemed revOked and tne depoSit 'NIlI be relurned unleSS !he after _ Signed by Seller end a Copy of 111.
Signed offer IS personally recerved by Buyer. or Oy . wt\()"
authortZe<l to receive It Oy 5.00 PM on tile third c:.alendar day al'ler lI'11s offer 15 Signed by Buyer (or. ~ Checked 0 by
cz... 0 0
~
AM PM)
Dale q -qif)c,'Z '.. ..
D<al.
(date) .000t
_
BUYER __ .!f(LLti ~ BUYER
Nivi. s~
'Flint Namel (Print Namel
1227 1/2 s. ~£Ied ~treet, Lo~ Anqeles CA 90035
(Address)
32. BROKER COMPENSATION FROM SELLER:
k Upon Close Of Escrow. 5.lIer agrees to polly compensatIOn to Broker ilS speafled in • separate wfltten agreement between Seller and Bro".r
B. If escrow does not cJo~ COmpensallon 15 pay~1e as specified /n that separate written agreement.
33 ACCEPTANCE OF OFFER: Seller warrants that Seller is lhe ownar or the Property. or has tile authonty to elCeeute thas Agreement Seller accepts the
above oHer. :!grees !O sell lhe Property on lhe .bOW! terms and conditions. and agrees to the above confirmatIOn of agency relatIOnships Seller has
read and ac~no""leages receipt or ill Copy of thiS Agreement. and authorIZes Broker to deliver a Signed Copy 10 Buyef
; ] (If cl\ecl<ed) SUBJECT TO ATTACHED COUNTER OFFER, DATED _ _ -
Date _ Date _
SELLER SEUER
Jo".eph ZerniJr
(Print Name) (Prtnt ~fM)
{Addrns)
I CONFIRMATION OF ACCEPTANCE: A Copy of Signed Acceptance was personany recerv.cl by Buyer or Buyer'. au1horized
. ·--tl-ntia-'s-j--
agent on tdlllej at 0 AM 0 PM. A binding Agreement is created when
a Copy of Signed Acceptance Is personally received by Buyer or Buyer's lIuthonz.d agent whetner or not confirmed in
this document. Completion of this confirmation is not legally required in order Ie create. binding Agreement; It is aolely
intended to evidence the dlile that Confirmation of Acceptance has occurred.
REAL ESTATE BROKERS.

A. Real Esblta Broken; are not parties to !he A g _ n l between Buyer and Sener.
B. Agency relations nips are confirmed liS stated in paragraph 27.
C. If specffred ... paragraph 211.. Agen1 who submitted the offer lor Buyer acl<nowledges receipt or depoSit.
D. COOPERATING BROKER COMPENSATION: Lisltng Broker agrees to pay Cooperallng Broker (Selling Firm) and Cooperaling Brok.er lI9rees to
ac:cepl out of Listing Brokers proceeds In escrow: (I) the amount specified in the MLS. provided CooperalJng Broker IS a PartICipant of the MLS In
whlc:h the Procerty IS oHered lor sale or ill rec.proc:.al MLS; or (II) 0
(if dlecl<ed) the amount specifll!d In a separale written agreement (CAR. Ferm
esc I between lISlIng Elroker and Cooperating Brol<er.
Re:!' Estate Broker (Seiling Firm) Gilleng Griffin RaAl tor"
By - Niyie S&Jna&ll Date SG2tGlber 4, 2004
Address 1333 We.s twood Boulevard City LOi Angel." State CA ZiP 90024
Telephone (3101478-1835 .. Fax (323)813-9378 _- E-mail D'AJ!!A4nl IIAOl , CC!!l
Real Estate Broker IL,sllng Firm) Coldwell Banker
By Date
Address City State Zip
Telephone .. Fax E-maIl
ESCROW HOLDER ACKNOWlEDGMENT:

Escrow Holder acknowledges receipt of a Copy of this Agreement. (If checxed. a aeposlt in the ;amount of $ 0 ).
counter oHer numbers _ and
. and agrees to ad as Escrow Helder SUbJect to paragraph 28 of th,s Agreemen\. any
--
supplemental escrow ,"struchons arod the ferms of Escrow Holders general prOVISions
Escrow Holder IS adVised that the dale of Con~rmallon or Acceptance ot the Agreement as belWeen Buyer and Seller eo
Escrow Holder Escrow ,
By
- --
Date
Adcress
P~one/Fa)(/E·mall
--
f'~crcw Holder IS licensed by tile California Department of 0 Corporalions.O Insurance. 0 Real Estate License 11
\ __ : _ - ) REJECTION OF OFFER: No counter of'fer IS being made ThiS offer was revl4!wtld and relected by Seller on
:Sellers Initials) fOale)
.>-'15 FORM HAS BEE N APPROVED BY THE CA.llFORNIA A.SSOClA TlON OF REAL TOR~ IC A R ) NO REPRESENTATION IS MADE "S TO THE LEGAl I/AllD4TY OR
ADEOUACY OF ANT PROVISION IN AN V SPECIFIC TRANSACTION A REAL ESTATE 8ROl<ER IS lHE PERSON QUALIFIED TO ADVlSe ON REAL eS1ATE
lRANSACTIONS IF YOI) rJ~~IRE l E'GAl OR TAA ADVICE CONSULT AN APP~OPRIATE PRorESSIONAL
n., {Of"Tl IS a.a+:aC"e ior ,"~ I:y I.,.. enbr~ rf!.f eslale oMuslry It IS net ,nlended 10 ,~ntl!y !M use' as a REAl TOR(!l REAL TO~ 's a r~l!tered colle::tlYe memllersn'D mark
,r ::1' may be us~ only 0,' n·em".;rs o~ N ~ TIONAl ASSOCIA flON or REAL TOR~ WIlO subscribe lO'~ Cooe 01 Elll'CS
(SLREi'\ I ~J.'ej
'he ,.,<l~""'l{' ~Ul!"''''
RPA.CA REVtSED '0/02 (pAGE 6 OF 8)
Publlslled by tile
Calrforna Assoclatron of REAL TORSJl: [ RevM!'Wlle by Dale 1_-
!5:r
.....T...U
CALIFORNIA RESIDENTIAL PURCHASe AGREEMENT (RPA·CA PAGE a OF 81 T6:!8'1:!3U.7F"X
691 / 745
Court File: "Volume IV Continued" ,r
SENT BY: COLrn~LL BANKER; 310 271 4834; SEr '-04 3:57PM; PAGE 10/15
i'
CALIt-OTtNr"
AS~()CI."'Tl0N
t
OF RF.AL'lOfl..S
~
(C.A.R Form BIA. ReVised 10102)
Propeny Add res s 320 S Pe.=lt Dr ~ v~'-'-=B:.:.:...:v:...:.:::r,-,l:o.Yl..-.:..:H:::i:::l:.:l:..:$:...,,--CA=,--..:9:.:0::.:2::.;1~2~ _ iProperty·).
A. IMPORTANCE OF PROPERTY INVESTIGATION: The physlcsl condition of the land and improvements being purchased IS not
guaranteed by either Seller or 8;o~ers For thIS reason, yau :;ilouid condwC1thorough investigations of the Prooerty oe~nally and witt:
professIonals who should provide wnllen reports of their investigations. A general physical inspection typICally does nol cover all aspects
of the Property nor Items affecting the Property that are not physically located on the Property. If the professionals recommend further
Investigations. Including a recommendalion by a pest control operator to Inspect inaccessible areas of the Property, you should contact
Qualified experts to conducl such addItional investlgahons.
B. BUYER RIGHTS AND DUTIeS: You have an affirmative dUty to exercse reasonable care to protect yourself, mcluding discovery of
the legal, practical and technical ImpilcalJons of disclosed facts. and the investigation and venfication of Information and facts that you
know or that are Within your diligent attention and observalion. The purchase agreement gives you the right to investigate the Property. If
'Iou exercise thiS rrghl. and you should. you must do so In accordance with the terms of that agreement. This is the best way for you to
protect yourself. It IS extremely Important for you to read all written repor1s provided by profeSSIonals and to discuss the results of
Inspections With the profeSSional who conducted the inspection. You have the right to request that Seller make repairs, correctIOns or
take other action hased upon Items discovered in your investigations or disclosed by Seller. If Seller is unwilling or unable 10 satisfy your
requests. or you do not wanl to purchase the Property in its disclosed and discovered condition, you have the nght to cancel the
agreement if you act Within specific lime periods If you do nol cancel the agreement 10 a timely and proper manner. you may be In
breach of contract
C. SELLER RIGHTS AND DUTIES: Seller is required to disclose to you material facts known to him/her that affect the value or
deSirability of the Property. However, Seller may not be aware of some Property defects or conditions. Seller does not have an obligation
to Inspecl the Property for 'lour benefil nor IS Seller obligated to repair, correct or otherwise cure known defects that are disdosed to you
or preViously unknown defects thal are discovered by you or your inspectors dunng escrow. The purchase agreement obligates Seller to
make the Propeny available 10 you for investigations.
D. BROKER OBLIGATIONS: Brokers do not have expertise In all aTeas and therefore cannol advise you on many items. such as soil.
stability. geologiC or environmental condillons, hazardous or illegal controlled substances, structural conditions of the foundahon or other
improvements, or the condition of the roof, plumbing, heating, air conditioning. electrical. sewer, septic. waste disposal. or other system.
The only way to accurately determIne the condition 01 the Prooerty is through an inspection by en appropriate professional selected by
yo'u If Broker gives you referrals to such professionals, Broker does not guarantee ltIeir performance. You may select any professional
of your chOOSing In sales involVing residential dwellings with no more than four units, Brokers have a duty to make a diligent visual
,"specllon of the accessihle areas of the Property and to disClose the results of that Inspection. However. as some Property defects or
cond.tlons may ·not be discoverable from a Visual Inspection. it is possible Brokers are not aware of them. If you have entered into a
written agreement I/I/Ih a Broker, the specific terms of that agreement will determine the nature and extent of that Broker's duty to you.
YOU ARE STRONGLY ADVISED TO INVESTIGATE THE CONDITION AND SUITABILITY OF ALL ASPECTS OF THE PROPERTY. IF
YOU DO NOT DO SO. YOU ARE ACTING AGAINST THE ADVICE OF BROKERS.
E. YOU ARE ADVISED TO CONDUCT INVESTIGATIONS OF THE ENTIRE PROPERTY, INCLUDING. BUT NOT LIMITED TO THE
FOLLOWING:
1. GENERAL CONDITION OF THE PROPERTY, ITS SYSTEMS AND COMPONENTS: Foundahon. roof, plumbing, heating. air
conditionrnq, electrical. mechanical. security. pool/spa. other structural and non-structural systems and components. fixtures.
bUill-in appliances. any personal property included In the sale. and energy efficency of the Property. (Structural engineers are best
SUited to determine possible design OT construction defects and whether improvements are strudurally sound.)
2. SQUARE FOOTAGE, AGE. BOUNDARIES: Square footage, room dimenSions. lot sIZe. age of improvements and boundaries. My
numerical statements regarding these Items are APPROXIMATIONS ONLY and have not been verified by Seller and caMol be
venf.ed by Brokers Fences. hedges, walls, retaining walls and other natural or constructed barriers or markers do not necessarily
Identify Irue Property boundaries. (ProfeSSionals such as appraisers, architects, surveyors and civil engineers are best suited to
determine square foolage. dimenSions and boundaries of the Proper1y.)
3. WOOD DESTROYING PESTS: Presence of. or condihons likely to lead to the presence 01 wood destroying pests and organisms
ilnd other InfestatIOn or InfectIOn. InspectIOn reports covering these Items can be separated Into two sections: Section t ,denlmes
Meas where InfestallOn or InteCtlOn IS eVident. SedIon 2 Identifies areas where Ihere are conditions likely to lead to Jnfel;\alion or
,nfection A registered structural pest conlrol company IS besl suited to perform these Inspections.
The ::opynght law5 of me United States .Title 17 US Cadel forOld the

unauthOrized reproOuctlOn of !hlS form or any portion t~ereof. by photocopy Buyers Inlhals (
J$ )( _
~
machine or IInv other means InCluding facsKnlle or compulenzed formals Seller's Initials ( )(
Copyrrght ~. 199' ·2002 CALIFORNIA ASSOCIATION OF REAL TORS.!: : I
INC ALL RIGHTS RESERVED I Rrv",,,od by Oole _ _ . .--
..... 1. . '·
BtA REVISED 10102 (PAGE 1 OF 2)
BUYER'S INSPECTION ADVISORY IBIA PAGE 1 OF 2

Agent: Nlvie Samaan Phone: (310)4781835 Fax: (310) Prepared using W1NFormsil aortware
Broker: Gilleran & Griffin Reallors 1333 Westwood Blvd. Los Angeles CA 90024
•
692 / 745
rz.-
SENT BY: COl~Ell BANKER; 310 271 4834 j SEF -04 3:57PM; PAGE 11'15
Property Address 320 SPeck r>nn. b~ .. erly 11.. 116, CA 90212 Dilte: S'Rt-h-c" 2004
4. SOil STABILITY: EXistence of fill or compacted soil. expanSIVe or contracting soil, susceptibility to slippage, settling or movement,
and the adequacy of drainage. (Geotechnical engineers are best suited to determine such conditions, causes and remedies.)
5. ROOF: Present condition. age, leaks. and remaining usetullife. (Roofing contractors are best suited to determine these conditions)
6. POOUSPA: CracKs leaKS or operational problems (Pool contradors are besl suited to deterrmne these conditions.)
7. WASTE DISPOSAL: Type, Size, adequacy. capaCIty and condition of sewer and septIC sYStems and components. connedlon to
sewer, and applicable fees
B. WATER AND urlUTES; WEll SYSTEMS AND COMPONENTS: Water and utility availabWty, use restrictions and costs. Water
quality. adequacy. condition. and perfonmance of we~ systems and components
9. ENVIRONMENTAL HAZAR-OS: Potential enl/l,unmental :lilZar::ls. including. OL" ~::lt :imi'::ld to, asbestos, lead-based paint and other
lead contamination, radon. methane, other gases, fuel oil or chemical storage tanks, contammated soil or water, hazardous waste.
waste disposal Sites. electromagnetic fields. nuclear sources, and other substances. materials. products. or conditions (inclUding
mold (alrbome, tOXIC or otherwise), fungus or SImilar contaminants). (For more information on these Items, you may consult an
approprrate profeSSional or read the booklets "Environmental Hazards: A Guide for Homeowners, Buyers, Landlords and Tenents,'
"Protect Your Family From Lead in Your Home- or both)
10. EARTHQUAKES AND FLOODING: Susceptibility of the Property to earthquake/seIsmic hazards and propensity of the Property to
flood. (A Geologist or Geotechnical Engineer IS best suited to provide information on these conditions.)
11. FIRE, HAZARD AND OTHER INSURANCE: The availability and cost of necessary or desired insurance may vary. The location of
the Property in a seismiC flood or fire hazard zone, and other conditions, such as the age of the Property and the cJiums history of
Ihe Property and Buyer, may affect the availability and need for certain types of insurance. Buyer should explore tnsurance optIOns
early as this Informallon may affect other deCISions. Including the remol/al of loan ;dnd inspection contingenCIes. (An Insurance agent
is best suited to provide Information on these conditIons.)
12. BUILDING PERMITS, ZONING AND GOVERNMENTAL REQUIREMENTS: Permits, inspections, certificates. zoning, other
govemmental limitations. restrrctlons. and reqUirements affecting the current or fulure use of the Property, its development or sIZe.
(Such informallon is available from approprrate govemmental agencies and private information providers. Brokers are not qualired to
review or interpret any such Information.)
13. RENTAL PROPERTY RESTRICTIONS: Some CIties and counties impose restrictions that limit the amount of rent that can be
charged, the maximum number of occupants: and the right of a landlord to terminate a tenancy. DeadbOl1 or other locKs and security
systems for doors and windows, Induding window bars. should be examined to determine whether they satisfy legal reQuirements.
(Government agencies can prol/lde infonmatlon about these restrictions and other requirements.)
14. SECURITY AND SAFETY: State and local Law may require the installation of barriers, access alarms, self-latching mechanisms
and/or other measures to decrease the nsll: to children and other persons of eXisting swimming pools and hot tubs, as well as various
fire safety and other measures conceming other features of the Property. Compliance requirements differ fnom city 10 city and county
to county. Unless specifically agreed, the Property may not be in compliance with these requirements. (Local government agencies
can proVide infarmatloo aboullhese restrictions and other requirements.)
15. NEIGHBORHOOD. AREA, SUBDIVISION CONDmONS; PERSONAL FACTORS: Nelghbortlood or area conditions, including
schools. prOXimity and adequacy of ~w enforcement. cnme statistics, the proximity of regIStered felons or offenders, fire protection.
other gOl/emment services. availability. adequacy and cost of any speed-wired, wireless internet connections or other
lelecommunlcalions or other ledmology services and Installations, proximity 10 commercial, industrial or agncultural ae:tJvltles.
existing and proposed transportation. construction and del/elopment that may affect I1Olse, view, or traffIC. airport noise. noise or odor
from any source. wild and domestic animals, other nuisances, hazards. or circumstances, protected species. wetland properties,
botanical diseases. histonc or other governmentally protected sites or im~lrovements. cemeteries. facilities and COnditIOn of common
areas of common Inlerest subdiVisions. and pOSSible lack of compliance with any governing documents or Homeowners' Association
requirements, conditions and influences of significance to c:ertain cultures and/or religions. and personal needs, requirements and
preferences of Buyer
Buyer and Selle< acknowledge and agree thai Broker li) Does not decide what pnce Buyer should payor Seller sl10uld aCCl!l't: (i1) Doell not
guarantee the condillon of the Property (ill) Does not guarantee the performance. adequ..cy or completeness of inspections. leM<:eI, proch-=tl or
reparrs prOVided or made by Seller or others; lil/) Shall net be responsible for identifying defects that are not known to Broker and ,a) are not visually
observable m reasonably acceSSible ..reas of the Property: (b) are in common areas: or (e) Ire off the sile of the Property; (v) SIlal not be
,esoonsible fOI onspec.l,ng publiC records or permtts concerning the title or use of Property: (vi) Shall not be responSible for identifying the locatIOn of
bOundary lines or other rtems aflectlng title: (vii) Shal not ~ responsible for I/erifying square footage represent.tlons 0'
othel'S or information
conlalned In InvestlgallOn reports MU'~ LlslJng Service. advertISements. flyers or other promotional material: fvlli) Shall not be rrnponslble lor
providing legal or 13K adVice regardIng any aspect of a lranuoion entered ,nlo by Buyer or Sder: and fiX) Snau not be responsible for providing
other adVice or Information thaI exceeds the knowledge, eduClllion and experience required to periorm real e~tate hcensed activity. Buyer and seller
agree 10 seek lega,. tax Insurance trtle and other oeslred assistance from appropnate profeSSIOnalS.
By signing below. Buyer and Seller each acknowledge that they have read. understand, accept and have received a Copy of
this Ady~ry. B U Y ~ t oread it carefully.
! 4JU
BWer'Slgnature '.
. C/-q-ZYd-
Date Buyer Signature Date
Samaan
Seller Signature Date Seller Signature Date

Joseph Zernik
THIS FORM HAS BEEN APPROVED BY THe CALIFORNIA ASSOCIA nON OF REAL TOR~ (CAR.l NO REPRESENTATION IS MADE AS TO THE LEGAL VAUOITY OF!
ADEOUACY OF ANY PROVISION IN ANY SPfCIFIC TRANSACTION Po REAL ESTATE BROIlER IS THE PERSON QUALlFIEO TO AD\f1SE ON REAl ESTATE
Gl
TRANSACTIONS IF YUU DESIRE LEGAL OR TAX AaVICE CONSULT AA APPROPRIATE PROFESSIONAL
n"s l(1rr- '. ""allable fo, uSC ~... Ihe ;lMl·re 'eal .,SIale ndll.,ry II,S nol onienOllo:l to lCleOI.ry tile user as a REAL TOR«> REAL TORe 15 a ~1~ler"" COIIecltve memtle<Wno rna, •
•\tllr.~ tray Of usea onl,' :>00. men'D<!rs (1f me NA T10NAL '"SSOCIA nON OF REAL TOR5*lwho suDScnce to Its COOe cT ElnlCS
~~=~
Sl:J$~. .. .
.~. PUblIShed by the
C;ahforn,a ASSOCllllion of REALTORS:!: ! R"lIl~ed by - - - - aate I =-=
- -
BIA REVISED 10102 (pAGE 2 OF 2)

BUYER'S INSPECnON ADVISORY fBIA PAGE 2 OF 2)
693 / 745
Court File: "Volume IV Continued" t}
5ENT BY: COLDWELL BANKER; 310 271 4834; SEr ~·04 3:59PM; PAGE 12/1=
i~
ChllrnRNIA
.~SSc)C'''TI()N
Of RFA ITn R'i·

(CA.R. Form WPA, Revis~d 10102)
~
ThiS IS an addendum 10 the lJil Califomla Residential Purchase Agreement or 0 Other _
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ("Agreement"), dated September 4, 2004
on prorprty Known as 320 ?-:-.!'eck Drive, Beverly Hill~, CA 90212
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ (·Property·).
between _ Nivi. 5amaan rBuye~)
and Jo:sepb Zernik ("Seller")

• THE FOLLOWING SHALL REPLACE THE WOOD DESTROYING PEST INSPECTION PARAGRAPH (4A in the California
Residential Purchase Agreement (RPA-CA)) and shall supersede any conflicting terms in any prevlously-generated
agreement:
• A. 0 Buyer DO Seller shall pay for a Pest Control Report for wood destroYing pests and organisms only ("Report').
The Report shall be prepared by Selll!X:I choice , a registered structural pest
conlrol company. who shall separate the Report Into sections for evident infestation or infection (Section 1) and for
conditions likely to lead to Infestation or infection (Section 2). The Report shall cover the main building and attached
structures and. If checked: ~ detached garages and carports, 0 detached decks, 0 the following other structures
on the Property _
The Report shall not Include roof coverings. If the Property IS a unit in a condominium or other common interest
• subdivIsIon. the Report shall include only the separate interest and any exclUSive-use areas being transfenred, and
shall not Include common areas Water tests of shower pans on upper level units may not be performed unless the
owners of property below the shower consent If Buyer requests inspection of inaccessible areas, Buyer shall pay for
the cost of entry. Inspection and clOSing for those areas. unless otherwise agreed A wrrtten Pest Control Certification
shall be Issued pnol lO Close Of Escrow, unless otherwise agreed, only if no infestatton or infection is found or if
required corrective work 15 completed
»
B. (Section 1) =:J Buyer ~ Seller shall pay for work recommended to correct 'Section l' conditions described In the
Report and the cost of Inspection, entry and clOSing of those InacceSSIble areas where active infestation or Infection
IS discovered
(Section 2) ~ Buyer 0 Seller shall pay for work recommended to conrect "Sectton 2" conditions described in the
Report if requested by ~uyer
• By signing below, the undersigned acknowledge that each has read, understands and has received a copy of this
Addendum. .
Date September 4, 2004 Date September 4, 2004
•
/'}
Buyer
~'/
( 4,,1{f
Hi v1e Samaan
I~~ Seller -::-_----:----=_---:-:--
Jo~epb Zernik
_
Buyer _ _ Seller _
)
T,~ c..CC7frJgt'" la.·.t. co :r.1! Urlh~C SL.tes "TrtJ.; ,- U S (o:-del tofb,j f~ uNuJtr'lonz.etj ~PfCX]uC\)on of ,r,,!o form. or any POrtio:"! m~reof. by O"OlOCOpy maCl'lln!' or any 0."'" meat'll
n.:It,!l,".g lacs'mlle cr can'p."'" ,,,;j !ormalS lo:>ynghl ~ 200~. Cr'L1FORNIA ASSOCIAnON OF REAl TOR~. INC All RIGHTS RESERVED
THIS fORM HAS ElEEN APP'lOVED 9Y THE:: CALIFORNIA ASSOCIATION OF REALTQRS~ (C A R.) NO REPRESENTATION IS /,lADE AS TO THE LEGAl VALIDITY 0"
ADEQUACy OF ANY PROVISION IN Ar~Y SPECIFIC TRANSACTION A REAL ESTATE BROKER IS THE PERSON OUAlIFIED TO ADVISE ON REAL ESTATE
TRI'NSACTIONS If 'fOU OESI~~ I Fr,AL OR TAX ADVICE CONSULT AN APPROPRIATE PROFESSIONAL
1h" lOrrn oS ~Y',I.b'e f~r '''0 ~I :h.. enbr~ '"'' e5la'" ,"I(j,,~lr, " .. nol on!en<le<l:o oden1l1y (he user as a REAlTORe; REAL TORS IS a ~'S,....s c.o'''c:lNe membl!~hlp ",.".
,""'Ch may b.. u510d or,", ~y me..,tMr, ,1 'h.. Nt..TlONAl ASSOCIATION OF REAL TORS~ Who subS::nDe 10 liS Code c' E!hoC.S
»
(~~ '1 .. ,.~..,., tel <, , .... , .
PubltSheo by Ih~
Cali/om III Assooal,on at REAL TORSfl [Rev_a ay Dale
tEl
,...... ...-.c
.,NI'UII"
WPA REVISED 10/02 (P"GE 1 OF 1)

WOOD DESTROYING PEST INSPECTION AND ALLOCATION OF COST ADDENDUM (WPA PAGE 1 OF 11
Agent: Niv,~ Samailn Phone: {31 0)4781835 Fax: (310) Prepared usIng W1NForm~ SOttwa,.
Broker: Giller~n & Griffin Realtors 1333 WestwOOd Blvd. . Los "noel" CA 90024
»
694 / 745
Court File: "Volume IV Continued" r~
a Michael J. Libow
00 Olldwell Banker
A ~ CClRl'ORAllOt;
9401 Wilshire
Beverly Hills,
Telephone
FAX
OClOber 5, 2004
Blvd., Suire 515
CA 90212·2918
(310] 550-740C
(310) 550-7531
166 No. Canon Drive

Es.:row Number: 1·345000GB
Subject Property: 320 S. Pe<:k Drive
Dear Michael:
In COrUleClJOn wilh lhe above referenced transaction, I believe lhat you might tind lhe following important dales useful.
APPLICABLE TIME FRAMES
We believe Ihal the following date(s) are accurate, however, please verify the exact date(s) with the Original Agreement.
Buyer's lniual Deposit of SI5,OOO.00 to be received by Escrow Holder: September 27,2004.
Buyer's Additional Deposit of $15,000.0010 be deposited wilh Escrow Holder by: October 8, 2004.
Signed Copv of your Oril!inal Purchase Agreement & Joint Escrow Instructions to be deposiled with us by: September 27,2004.
Buyer's Investigation Contingencies expires: October 4, 2004.

Last day for Seller to Order, Request & Complete all ReportS: October 1, 2004.
LaSt day for Seller 10 order Property Disclosure Statement: October I, 2004.
Last day for Seller (Q order Preliminary Title Report: October 1, 2004.
Number of days (after receipt) for Buyer to approve Preliminary Title Report: 5 Days.
List day for Buyer to provide Seller Prequaliticalion Leller: October 1, 2004.
Last day for Buyer 10 remove Appraisal Contingency: October 11,2004.
Last day for Buyer (Q receive Pinal Loall Approval: October 11, 2004.
Close of Escrow :-Iovember I, 2004.
Buyer and SeUer have indicated in the Orillinal 'Residential Purchase Agreement and Joint Escrow InstruCliollS' lhal lhey desire
Ihe 'ACfIYE METHOD' for removal of contingencies. Therefore. if. within lhe lime specilied. Buyer does nOI give Seller
writlen notice of unconditional approval and removal of contingencies or a reasonable request. Seller. afler first giving Buyer a
NOlie' to Buyer to Perform, may cancel lhe Ag"emem and lhis Escrow in writing and aulhorize return of Buyer's deposit if, by
Ihe lime specitied in lhe orillinal Purchase Agreement and Escrow Instructions, buyer does not remove in writing the applicable
contingency or cancel the Agreements. Complete terms and conditions of this provision are contained in the Original
Agreement.
You may find lhe following names and numbers helpful throughout lhis transaction:
LISTING AGENT SELLING AGENT

Coldwell Banker Gilleran Grimn Company
166 No. Canon Drive 1333 Westwood Blvd .. #101
Beverly Hills. CA 90210 Los Angeles. CA 90024
Michael J. Ubow Nivie Samaan
Telephone: (310) 273-3113 Ext. 169 Telephone:
Tdefax: (310) 278-4934 Telefax:
ESCROW HOLDER TITLE L~SURANCE COMPANY
MARA ESCROW COMPANY FIRST MfERICAN TITLE CO.
Telephone: (310) 550-7400 Telephone: (818) 242-5800
Escrow Officer: Gail HershowilZ Tille Rep:
Es.:row AssisUinl: Cunstance A. Kaiser Title Order No 1086536-31
Thank you for lhe opportuwty to be of service to you in thi.s transaction. Should you have any questions and/or proble1llS,
please feel free to call upon me al any time.
Yours lruly.
.'tIara Escrow Company f Ih EXHIBtT-ll..{
FOR '9fm)CA~~k
LAURY WASOFF 'fR 'ra09RJ~R
WITNESS: I'
(fail HersbowilZ
Escrow Ofticer/ManagwY.P.
/'&f
695 / 745
Ocwher 20. 2004
(
•
M i~h:ld .r. LiixlW
Coldwt:lI Banker
166 N. Cmon Driw
Bt:vt.:rly llills. C/\ 90210 .p Ib iXHIB'"[ I) ~ (; f~'J"
FOR ID~C TIOH A"-' /
20----'L-L
LAURYWASOFF 9~1~
WITNESS:
Rc: 320 S. Pc-ck Orive NOlic~ 10 Buyer to Pcr10nn
Dear M i<.:h;.ld.
'11,is klll:r j~ in n:sponsl: to Ihe Notice Ln Buyer to Pt:rl'urm you faxt:d to me on Monday.
Octobt:r 18, 2004 and the suhst:4u~nl yoicemaiJ timt:-sLamped Tuesday, Oetu~r 19. 2004
at 4:55 p.m.
1 want to apologize for the delay in responding to your notice. I"Vt been consulting wiLh
my attorney regarding my options to your unTcason::lhlc dC'm~n(b. ,
C""1in~"ney,
T.et me first start hy saying. rye enc105cd lhe removal of the Loan Contingency and Tille
i~
hu will ""' ,,'mow th". n Co,;,,,1 «>o'in '"ne ",,,;1 J have rl'c";",,-d 'he
k:nders nOlitication Lhal L t value of the home . ustificd. If the home W'dS priced
:1J
corn:,t y. you shou n' L have any concerns.
On three separate occa.<;ions 91:!4. 9(29 and 10/6. 1 called Gail Hcrshowitz of Mara
F.~cww for my copies llrLh~ Escrow In~trucliol'ls and Prclimin<lr)' Title Report and w~s
told th~u sht: W:lS waiting to hear from you bL:l"ure ~ht: could prcp~ il. Due to tllC non-
pcrfonmll1ce by you and your ~scrow company, your seller is now threatening
c~ncdbti(ln of' escrow. "
My lender inf(mncd you on OClobt.T 5th that he h:td tried sc.:vcr.J1 times to ~ellhcsc items
and nl..'cl.1c:L1 your ht:lp. My ll'nd(,~r ;.llso inlormcd mc.:. Ihal he: did not receive the nl:C~s~ry
Escrow Instructions and Preliminary Title until the evening of October 7th. tw~nt)'-onc
day..; :lftt:r my countl'r-offcr acccf'l\an<.:c. Dut: to the pcmling wl·~\.;cnd & hnl ilby. \h<: h:mk
did not receive my loan until 10/1 2. My loan was approved ()n Monday. October I glh, a
reason;l.blc timcframe rlJr loan approval. Now the hank must review the value bcfore the)'
C~n lil\;IIj/,c thc loan.
From the lx:~inning. I h:lvC followed through on every a.l,,;pc:cl of my end of the cnntr:lct.
You 011 lh~ llthl:r-h~lnJ ~IVC nol h~'n :J mun of"your word. On 9/16. when 1:.1cCCplcd lh~
counlcr-oITer while on my Hon~ymo()n in Hawaii, J inforrn~d you that J wouldn't he
n.:turning (0 I ,(IS r\ngl.~l<:s llntil 9/"24. You vl.:rhally ::lssur~d ml: thaI Iht:rt: W;lS no Ilt:L'd to
contractually I:xll:nd lhl.: conting~ncics or do~illg date, becuu~' in neL:dc:d more Lime lo
meet the contingencj~s. "it would bc arranged."
696 / 745
EXHIBIT? l3~\
~..".."w ~u u-r .&.\,1 • .l,c"c ~,. ....... .. --_ .. -
. '.
• •
You have been lInn::asol1<lblc through almost every st~p or this tr.1nr.3etion. so you
I
le~vt:'
lnl.' IHI 1Ilhl:r altanativc: hUI 10 s~d, lhl.: ~uidancc ormy atLornl.'Y.
Pka.-;t: inform your sdlt:r that ifhc chonsl:s to cancel thi:-: ~scrow hefon: the scheduled
ch)sing uall: ()rNov~mb~r I, 2U04. I will havl: no olnt:r all'-'rnalivl; bullo SI.'t:K Il:gaJ
rcmedi~s.
I fonnally request thal all rurth~r corrcsp()nd~nce b~ in wriling. via facsimile or email.
RespectfuL-..;
VA< ct:m;;~)
Nivic S;lma:m
13uycrfR~allor Associate
tJ5amn~~.n \ (li!i101.cnl)~
32.l.X4J.lJ1n Facsimill.:
cc; Robcn lk..mut, '·:sq.

Randy Spalding
697 / 745 L
~~
In
~~
~
3ccordance
CALrFOR..Nlh
AHOCIATION
OF RF.A 1.'1'0 Rll)<'
with the
•
terms
CONTINGENCY REM.L NO.
(CAR, Form CR, , 0103)
conditions of the: ~ Califomia Residential Purchase Agreement or

and
,~..o- _
o Other ("Agreement"), dated October 19 c 2004 on property known

as 3_20 S. Ped Dri._v:.eJ. Beverly Hill.::;,/. CA 90212 ("Property").
between _ _ If.i!!,.i.f''_s..~_':Jn ("Buyer")
and JO!f.'Ph ZerlLik ("S~i1e(").
A. BUYER'S REMOVAL OF BUYER CONTINGENCIES: Buyer remove!' those coniingcnclC5 specilied below. IMlh respect to ;lny
contingency :lnd c~nccll::llton righ\ rh;lt Buyer r~mo\lC$, unless otht."I'WI!.C :;pccificd in a wp~r~lc writlen ngl'C'Cmcnl bclwccn Buyer
and Seller (such as CAR Form RR). as appliC<jble, Buyer shall condusrllcly b~ deem€!d to h:JVC: (i) completed 311 Buyer
Investig:Jtions and review of reports and other applicable information and disdOf;ures: (ii) elected to proceed with rtl€! tr..m snclion;
and (iii) ;]!'isumcd ~II liability, rc~ponsibilily and. if any. expense lor Repairs. cormctlon~, or for the in.1bihty to obtnin f,n'lncing.
NOTE: Prc-printed para~r~ph numbers (Ire for refer~nce only nnd refer to the speClflcd paragraph in \he Colifomia Residential Purchasc
Agreement (CAR. Form RPA-CA).
1. ONLY the following individually ch~ked Buyor contingcn~icsa~ removed:
A.. r~ Loan (Paragraph 2l) .
B. 0
Appraisal (P;uilgf<lph 2J)
C. 0
Ten;:Jnt·Occupicd Property (POlr.1gmph 3C(iii))
D. 0
Reports/DIJO;cJosures (Para9r~phs 4 and 5)
E. 0
Common Interest (HOA) Di~cJosures (ParaRrapn SB)
F. lJ Buyer'S Investi!ption. Including insu"'bilily (P::Jrogmptl 9)
G. ~j Title: Preliminary Report (PClragraph 12)
H. 0
Sale of Buyer's Property (Paragraph 13)
l. [l _
J. [J _
K. 0 _
OR 2. 0 ALL Buyer contingenciC:l ;)fC removod, EXCEPT: 0 LO::Jn
Contingcncy (P~lf;l~mph 21); Appr..liS~ll Contlngr.ncy 0
(paragr<lph 2J); 0
Contingency for the Sale 01 Buyer's Properly {CAR. Form COP}; Common Interest (HOA) Disdo$urcs; 0
o Olher , _
OR J. 0 BUYER HEREBY REMOVES ANY AND ALL BUYER CONTH~GENCIES.(Once all contingencies ;ara removed, whether
or not Buyer has satisfied him/herself regarding all contingencies or rocelved any information relating to those
contingencies. Buyer's doPOsit may not be returnod If Buyer does not close escrow. This could happen even if, for
elt&:lmplo, Buyer docs not ;approve of some 3sPOCt of tho Property or londQr docs not approve BUyCf"S 10il",)
OctobDr 19;. 200~
Buyer Nivie Sama.3ll Date
Buyer Date
8. SELLER REMOVAL OF SELLER CONTINGENCIES: Seller hereby removes Ihe following Seller contingencies: 0 Contingency for
Scllcr'~ p~rch;l1a'~ 01 mpL"lccmcnr property (CAR. Form COP): Othcr. 0 ~.
Seller JO:Jopll Zo:r:n:i.k Date
Seller Date
(_ _, _ _) (InitiClls) CONFIRMATION OF RECEIPT: A copy of this Signed Contingency Removal was personally
received by 0 Buyer 0 Seller or authorized agent on (date), at 0 AM' 0 PM.
Tl'\l' ~PV"'J"II:lW!l Cl111'lr UMncl ~;I;l"'" (T!flro 17 U,S, Coor.) IOrtloCllho u""ufhonznd rr,prOOUClIDn or ,,,,r. 'orm. or:ony pOnton INlrnor. by photOCOPY m.-.ct1on,,« :>n~ ollVW IN""" ..
,nclud.ng lau.noln Dr computr~l;'"'' 1Ot'l'\;'l:;. Copynghl C ~UO":>003. CALIFORNIA ,t.,SSOCIATION 01 l~r"LTOR~. INC ALL IlI(;HT:; TlC::;C:RvtD.
TH/~i '()Tlt~ HAS BEEN APf'ROVLO IIY THe CALIFORNIA A!:SOCIATION O' REALTORse (e_A.R." NO FtCPFtESENTATJON IS MAOr. 1\'1;; TO il-lE LECAl V4UDIT"l' O~
ADEOUACY OF ANY PROVISION IN ANY SPECIFIC TRANSACnON. A REAL EST....Tf. OROI(ER IS 11-lE PERSON OUALlFiED TO ADVISF. ON (((AL ESTATE
TRAN~.ACTIONS Ir YOU DESIRE LEGAl. or< TI'I)( I\C7VlCE. CONSULT AN APPI'OI'IlIATE PROFCSSIONAl
T~n lorm I~ IIY:I~,1l1n ror u"" by thu Ohllftl ,a."
n~L'I" ,nC!I",lty. " ':: IlOl,nlonOOlllC ,onnl'fy lhn 11:',1:' n:i .. RLAL TOFlfll, IIIN TOI(tO r.: .. ",gr~klrr!<l aI.no,,,,,' m/llnbc,::hlp m.1fk
wnll:.n tMy ~ lr..ed Only by membe,s oI1h1! NA'/I()NflL ASSOCIATION OF REAl TO((~ WIlUliUbscriboe Ie IL~ CcO'! or I.thoc:;.
~~-= G)
Sl.I<E.IL~.
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P,'bl'3"cod t7y 1110
I R"""_>d by Oatn ] ,--
_1~
CR '0103 (PAGE 1 OF 1) CONTINGENCY REMOVAL ICR PAGE' OF 1

P"ono; (3'0)£78'835 F"x; (3'0' Prop;l,od using W1NFormsllO softwOJro
698 / 745 A gont: Nivio S"tTI3;ln
Broker: Gillo,:m & Gntfm Rll&lItO~ , 333 WcsTWood Blvd. , Los Angolos CA 900204
• • f.l-h fXHIBrT~-5 Pi'
FO I NTlFICATlON,..,..,
--';'4--:.A~- 20--",-+-
CTjrmt""
MARA E5CR().iJ PAGE 61

16/22/2664 15:42 3165567531
9401 Wilshire Blvd., Svite Sl5

Telephone (310) 550-7400
FAX (310) 550-7531
FAX TRANSMIITAL
DATE: October 22,2004 TIME: 3:53 PM
TO:
ATTN: Jason
FAX NO: 925-892-7966
YQURREF: SnmaaD
FROM Gail Bershowiti, Esttow OfficerlManagerN.P.

,',
RE: Escrow No: l-34SOO-GB
Property: 320 S. Pa:k Dri.. e
BeYerI,. mus. CA 90212
TOTAL NUMBEROF PAGES: (lNCUJOUolG THIS l'Aul!.)
SUBJECT:
Purchase Contract
IMPORTANT NOTE: Should.!my of tbele papen nquire 80 ORlGINAL SIGNATURE. l"leue taU I XEROX cory
BEFORE SJGNING. We wiD Dot accept au OrigiDaJ SigDat"oR I7D FAX paper.
Thank you far your cnopera1iOD in this matter.
THIS MESSAGE IS INTENDED ONLY POR THE USE OF THE INDIVlDU1>.L OR. EN'!In' TO "1!ICH IT IS
ADDRESSED. AND MAY CONTAIN INP'ORAA'I'ION THAT IS PRrvILEGED OR CONFIDENTIAL, IP TKE READER
OF THIS MESSAGE IS NOT THE INTENDED RECIPIENT, OR TIm EMPLOYE2 OR AQ!!:NT RESPONSIBLE FOR
DELIVER1NG TIrE MESSAGE TO THE INTENDE:Il RECIPIENT YOU ARE HEREBY NOTIFIED THAT AN'{
DISSEMINATIoN, DISTRIBUTION OR COPYING OF THlS COMMUNICATION 1S STRICTLY PROHIBITED. IF
YOU HAVE: READ TH1S COMMUNICATION IN EAAOR, PLEASE NOTIFY US IMMEDIATELY BY 'I'ELBPHON'! AND
RETURN TBE ORIGINAL MESSAGE TO US AT 'I'HB ABOVE ADDRESS VIA 'Tlm O.S. POSTAL SERVICE.
)LtO
699 / 745
18/22/2B84 15:42 31P~-a7531
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CAUFORNIA .
..~ <.: .. I I r () II \ I ;\ RESIDENTIAL PURCHASE AGREEMENT
. . .~~ A ~ ~ 0 { 1.\ 'I I ()" AND JOINT ESCROW INSTRUCTIONS
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1. OFFE~:
A, THIS IS AN OFFT:ll FROM Ni ....;. s,,",n re~
6. 7rtE REAL. P;<,O.-ERTY TO tiE ACOlJll'!ED 1$ ~es.ctloeCl n 320 S'~ p~dr pr;~", .s-r.rJv H.i.1;",.::ll. QC~J;
. __ .__ , AUn'elf'S ~r<21 No. • 328-02. -023 , ..tuatIId in
~ Rill6 , County d La, Anpe 185 ._ . CPfom., iPropeny").
C, THE. PURCHASE PR,CE o1teroe II; On_ i l l Ilion Si.x l!Un4rPd S....<Pty XhDupM
. __ _ ~~ ,L€7C DOP Ot?
D. Cl.O$E 0. E5C~OW shill OO:;UI on Octgbttr 15, 2004 (oal£) (orO Oays AUr J'c:cepl»-).
2. FlNAN~ TERMS' Obla""il'l!1 the Klans below IS • conting.ncy Of lt111 A.,;j ... ment unlGSl: (I) .. ~r 2K or ~ • ~.e tl.~ or (II) 0lIwfw15e
agreed 11'1 Wlillrlg B~r snal.C\ dn'9cnl1y.nd In 900d larth til oOtain l7le d~rl4IUld loaN;. Obtarlng oaposrt. dO'l'\'n Pllymem'nd d~ COIItS -\lot
iI <:o"tiogenc)'. Buyer rep~n1S ltlllt ",nos Will ~ gOOd when depoailed WIth E.~ Holde'.
A.. INfTlAL OEPOSIT: Buyer has g_n. d1t1lO$il In the .molol'll of. , .. ,. , .,. " , $ 10 1 0 00.00
10 tIWt a~nt sub"';"'~O 1M o"'r (or 10 LJ ). by P<11I0n-' ~
(or C. I. rMde pay.tlle \0 ... .

lIlIhich sl'lall ~ Mid uncaahl'd ul\11 Acoep\.anOl 8nt1 then ~ WlltItn 3 tluMleN d~ ~, Acoa~..c.
(or :J __ __ _ ), with
Eaaow Hold",. (010 Into Brolcer's tnN account).
B. INCREASED DEPO$li, ~r ,twoW dePosit W1ttI Escrow Holder." iRcreaed cIepoM in !he 'mo.Jnl fill •... S _
willIin Day. ~r Ao:aP\af\Cl. or 0 -,- _
C. FIRST L.OAN IN THE AMOUNT OF ., .." ,...................... . .....•... $ 1,336,000.00
(11 NEW Firs! DuO of T~ In hll/Or of lender. encurnllerillg the ~ . aecunt'l; a notII payable II ITI8XImum
,_Sl of ~ 500 ~ fidel ra't. 01 5 ODp ~ initial adjustable nrte wtth. interest raw: maxm.rn
01 -J.~ "11:. balanclt due III 30 . . - . ~ad ovec 30 yea~. BU)OIIr 'he/l .
llIIY. IcQn feesJpOirns not to elcaed . (TheM tet'l1'W appty"4WtMIther It>e de.ign... d Ioen
is co"~lion.1. FHA or VA.)
(21 0 ~HA ~ VA. iThe tollofrinillerms on~ apply III IIle F'HI. or VA lOan IlWt is dlecNd.)
Stllfo( Sh•• PlY % d!lcaurrt PO'"t!. S.uer 5/'1.11 PIt'I offIlr teea nat alillMd to be ~id lIy BIIY*',
IJ not III elceecl 5 s.1\ef .hall pay tile CO&I cI ""'r ~ Repairs (indudlng
moae lor wood OKIrO~no PNIl not otherwiU pi'oYidlOCl for In t1111 Ao!"n-.nt. D not 19 eocClNd
S . ' !Aau.1108n amount
m.y inc:rUM If mof1(Jlga illAllflAOe premiurT1I5, tur\lkng
- . . or clo5ing ~ Ire fJn8l1oed.) • , .'"
D. ADDITIONAL FINANCING TERMS: . . . , , .•.....• I 161« 000.00
(C.A.R. I"orm PM Dtrllgraph oIA):
,...
Eo BALANCE OI'."U~SE PJlta (nollncludlng e:e-la Of DCteininQ ~.no 0lMr doSing COg) iIIlhe emolmlc:rl- ~ S 1..57,·cfoo. OD
10 be clepoailell WIt"I eSCtOW I1olCIII' wllhln .~nl time to clo5e escrow 000 00
F. "UItC1-IASE PRICE (TOTAL): ''',.. . Of " " " " .. " S '- c 670 C .•
CO, L.OAN A~I"L.lC"TIONS: lM1IIiI'I , (or Q ) Days A1lar Aa:apU"C4l, ~uy... shajj plOo/ldQ sel,,", 11 l8ller from le"dIlr or mort~ loan
btOMr sllllon; tnat, buecl on • l'eMw Ilf euyer's wriIIan applicatlor1 IIICI creel.
/wpM Bu~r is prflqualbd Of' jlI'eepprowd tor lhe NEW loen
Nl8CltIed i!'I 2C i t>ove.
104, VERIFICATION OF DOWN PAYMENT ANC CLMINO COSTS: 9.".. (or Buyer. lender or lean broke' pu~ to 20) .PlIJ~ wlIhln
T Cor 0 ) c.y. Aller ~nce, pr«Mde SelIer.,ril\en Yefiflcaticn 01 &yetI clown pa~nt 31fld ctosinil CD_.
I. LCM.H CO"iTlI\IGENC'Y REIIOV"\.; (I) V\Iltt1in n (ar 0 ) Daya M., ~pUIna:. liuyer shall. liS apcdtied in ~ragr;aph , .. , _
the 1Cl8" Coonl,"~ncy or canee/ Illia Agr~l O~ (i1) (If cIl.~ed) 0 me loan OClntlrJgenc;y v.1I <ernein in ~ "tIflI the c1es¥nl'led loaM Ire
funded.
J. APPRAISAL CONTINGENCY "liD REMOVAL: Tm. ~rnent 1$ (em. If~. 0 II NOT) conttrlgltnt ~" the Propelty IIPPnH&WlQ • no
leu .... n lTIt al:lCC1fIed PUfch!M pnce. If ltv,. IS " loan con1l11gerq, at the llme the loan c:on1Ylgtney ., rwl'rlCMld (or, It d1ea.d. tz wltl1III 17
:::1 _ _ ) Cay. ~ll.r Accapl'lnce" Buy.r lI'Iaft, ItS specJlIed in par.gr.Ph '48(3). rw"- 1NI ,ppl1Iul o::>nllngeflll)' or eancellhls Ag~ement.
,or
If tI'Itre IS no 10"" cnntin~ncy. BLI)'lPr ~~ DC aped",", I" parwgraph '''0(3). I'elrOW It-. IOI)raiN' contmgenq' wI1nIn 17 lew ) o.y.
After AA;~pliinOf.
K. G NO LOAN CONTINGENCY (If dlecJI,eO): ObQil\mg Iny loa" Fl p.ragralllls 2C. 20 or elsewhere in thia ~rt ill NOi. c:ontineencyclthia
Agreement. It 8uyer aoes not Ilbulln lhI 1080 and U I ...u/t BU)Iel'does not purctlaM IIle Pll/perty. Seiler m:ly be IIl'ltItIad to Bvy.r·E oeooa' CE'
other leg 1/ rernRd ie$.
L 0 All CASH OFFe" (If ctledoedJ: No loin .~.., ttl purcllllse tne Pmellltty. Bu"'1 wi. within? lor ~ I o.y. Aner ,t,CQIpWr1ce. CJ
provlIM Sellf/ wnnen ~enrlClllion of .vf'fiaeTlI/\'no, In c;:lose this trlIllSae:tiOl'l.
3. CLOSING AND OCCUPAlHCV:
A. ~r tnIe fld' lor C doe 5 nOlo irn.nll) Ie oC:CUPy !he P rt>per1y.ll auy.,.. pmorary ..aIdenc:e.
B. Sen...·OCcvlliea or vacant proper1y: OCcupancy ,~U be aeliv'M 19 Buyer II j 0 ~ AU 0 Pflo4. 0 0" the cl:I~ lIf CION Of faeruw;
CJ on _ _ . : Or [] no later tria" _ De~.s Aller Clo.w: Of Eactow. leAFt Form~AA. p. ph 2.) If nnefer of W. and
oea.tpancy do not oceur at !he ~ lime. Buyer and Seller.,. .oYlMd to: (I) entar irltO II ..mtle!1 oo::uPOltIC)' nt llId (fI) consult wttII tile..
(S)
T,.. ~
ineullII"Ia: and iegllaClV&on.
rn........a"'" c/
"h ~ ~~I :1 ....
,..".,., ........-0 loX. . . .' tit

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D._r'$ Inrtjat~ (

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Seier'. Initials (
I P\h~ by Qua
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=:,~
~PA.cA fU!VlSED 10102 (PAGE 1 OF al CAliFORNIAl ReslpeNTIAL PURCHASC "GRE.EM~NT I~PA-CAl ~"'GE 1 Of 8!
Agent: NIv.e S~""lDn Phone:(310)~7a1'38 Fu: {310' PlWPllred lIll,ng WlNFormsflI sofIWaN
aro~.r: GlI~ ... n & Griff,n F(ealtors 1::133 Westwood Blvd. I LCIl5 An!1'1es CA 11002.
702 / 745
y
__ 1.~/~?~2~~~..,..L5~ ~2MI" /531 MARA~ PClGE as
310 271 ~e34; .~' _2-04 :3: ~OPIA; PAGE 3
Properly AdOtess. }za ~ I'Ccl ~a.u~ iC'!NJy If' P 1 ca ~:l2Jl Date:$ep!'Mt>eF' 2004
C. "enant-OCClIPte~ ~rty: (i) Prol)el't)' $hall De v;ac;ant al leil51 5 lor 0 )
0*)'& Prior to CIQ. . Of E.Iaow, UI'iesS OI~ IgreeO
j(\ wrll1ng Note 10 SelltH": If you .r~ ulWlble to ~Ii.,., Pro.-ny v;acam In accoraanc:a \OIIttt I"I'nt COntrol iIIr'1Cl other appll~bM ~. you rnlIY
be in b.-.o"n of this Agrwment.
OR (il} (If ct.ld<&dl 0 To,nant 10 r"maln in p_:rlJ1on. Ttl<:: Mtac:had iIIC10endum is Incorpontted IIllo th~ AQ_lT1enl (C.A.R Fo,," PM.
~rvwaPn 3). .
OR (iii) (if CheCked) C
ThIS A5I... rroent is ,;o'ltm~n! ~n av.....
r.nd Seller en~ng"to. wrlllen a9!'HrTlenl FllQlIrdirli oc:c:upancv of the prg~
Wltnin !T'e lime specrtlOO rn oa .. gr~pn 14B{l). If 1'10 wrillen ;jQIe«TlQIlt IS reacned WIthin Inrs hlT1e. eitIlef BUll'8r or Seller I'I\iII)' CIInC2< INa ~",.nt
Inwntl l1ljl
D. AI Cbse Of Escrcr.o. Sellei' !'ssigns 10 Bu~r any OlCsi9nable ~rTtInty ri9hrs for Items lIldu4l:d in lha Ule and ~tlal proVldI lilt)' alfailallle Cop18S
01 suen "",rr,ornr.,. B,ol<ers ""nnat anO will nol r;jetemme ~"IIIQTUltllrb'ot any "rr."ues.
E. ...1 Co.e O! Escrow. unless O1t1uI'Io'ise IOra.cl in wrltln;. SQlIcr ,hatlllrovicie keys aMlor me8l\S to D\»rillle .tl 1oO<s, mailbOx. . seCLriy ay&lemc.
Nrms and g~rage dO()< openers If ""open.y is • CCll'lllomirium 0' IoClIlt<1 In • COIIY\"IOIt i""~1 5utldivision. Buyer may be lequre<l to PiIIY a
oepost 10 l!'l~ Ho~Cl""Tle~ Assoa.'lOn r~AllO Obmin ll.e~ \IQ a~ible HOA taeiTJt*.
•. ALLOCATION OF COSTS (If CIl<!d<ed): Unless Olnerwise apecifitd here. thi=I p.ragrapn onty dewrrn",.. -"0 is 10 P8Y tor !he rapan.. inspection. test
Dr "IV~ ~ntiorvod If n Dt SDtcif..d Ilere or .t&.w~rv in thill ~r_1'lt. the oe.rmin.t.ion aI who • Ig P'll' tor .ny wor1( l'KOfTljilendH Of iclemtlled
by arty aLlCl'l.~ n.~dlon. test o. ~ thall be by tile mc:lhodapecir.d ltl ~rag...,n 14B(2).
A. WOOO DESTROYING PEST r~PECTION:
11J 0 Bo.Jye. 0 Se.... s"d p.y fo. an I~on and report for wooo d9slroying PWlS Ind o'V.",,1l"ls ~pon")
....nidi sh.u be prep.ntd
Dy _~ •• ~
nvaural pest
comrol company. The Report shd COWr N .c.oa.lble are.. l7f Ihe mein bulldl'1lil and attadled 1tNc:tu,.. end. "
ched\ed. U clel.ched g.ragH and carpona. 0 deudled d-eb. 0 the folowillg 1e'\leW_ 01:"
or
• TlIe~s~
.,.•
~~eO,,~nng.$ H-p-;;'p-e-ny-,,-a-Cotl-o-o-m~in-'-'urn--or-Ioc-CllW--eI1--i-n-a-ggm--mon--_--'ftI--su-bdivis-'
-.-ion-.-the--~---WJl-Include only the
..p.r.te irT\e~a; one any llXClUS",..... areas being Ir.nslerred and shllil nol include COlTllnCln .rMS, unleU otrlefWlie IIlIreed. Y'tIiIIeIr l'e'lIlS 01
shower pan' 01'\ \lpper 1h*I\lnlb 1T\iII)I "0\ be per10rmed willlout eonaent (If 1ne 0WNII'Il tA prooerty belOw ltle anc-r .
01'\ (2) (J (If elleC:~ The attaen-Ii .ddltndl/lT\ (CAR. Form 'M>A) Mgatlling "'OOd dUI~~ , - t l~c:tion .net i111......tlDn of CX* II lncorponllld
Into tl'll$ "Ot'e1t1TWl'lt .
51_ OTliER INSPECTIONS AND REPOhTS: .
(1 I 0 BlIYIr Ci StIller shall ~ to haW leptic: or priYale stW~ CSilpos.1 sySII'" ~ _
12) 0 Bu)'llr 0
Saller s"aU P-v to hlW d~llc: -'Is lltStedf'Or _lIr PC7IIlbiny lind pr~l/e:tMly -
(3) U Bu~r IJll Sel~ shal pay lor IllUlbUaI haut'll ZOM ll~" repon ~pa",cf by .i:l:!II.I.Il.1 .....l.I£:.1.Wcdnll0Z;.IJ-CIO:.L --:"..-,-
(4) 0 BUyPr 0 Sellar shan p~ for ttie ~ iruopedloo or nlr;lClrt . __
(5) 0 suyar a
Seller lholl ply fOr the lallowng inspeertDn '" r~rt ."......,... -'-_-:--
C. c;oV£R"'~ RECUIREMENTS)l,ND~OFTT:
(t] CJ Buyer ~ l:iet"r shllli pay 10; ~ ~r 1'*t1lill1lon r4lr:II" .... r he.r bracnG.lf.-qund trv L.iIIw. Prior II) CX~; Seller cae
shall provoOe 19U)'''' II W/ltlen 51al8m.n1 of CO/1IIl'.-
I" ac:coro-nca wiVI ItMt and ItlcaI Law. lINes. IlX«T1lt. . . -. .
(2) 0 euyeoF W S.1lar _II ~ tne."'* f1f COrT\PilInge witIl any other min......", 1Tl8n4.'Ory llovernmenl relI'Clftl allllclardi. ~n& ana
reports Wrequited.; conditiond clO£ino ucrow UI1a.,.ny t..N. - -:-_ _
,.D. acltOlN .AND nTLE: • :-. '., .' ~ ,
.. ~ (1) Oil !Iuyer W SeHer.nali pay cs.croW fM :1/2 bR)IWE 40'# 1/Z HHGr . . c.
ESCtow I-ioldillr lIhall I» ~ ,t,EiOla"%P"i&Ji!:L. "!'_ _~-:'~----:~=_-:___:::___:_~----~~-__::_:~

12) 0 Buyer l! Selle' IhI~ ~ 10r _ , . . I~ insurance polley spedMd in ~"9"ph .!2 Qn;Lted r1 t.1. 9?"PIpy/!'oDY' Ca~4pWI
Owner'l ,ale policy te be is.£uad b)r . _ _..,..._ _, - _
(&uyer IhllU ~y fr>r any title ,"-Ullnc:e POlICY inaunrg Buyer'. I."r, unleAlltherwiM agrIted In _Ibng.)
E.. OTH£JIt COSTS: ."
11) 0 Buyer ~ Sel~ srw' PlY County tranalwr \aX or ~nsfer 'ee . -- - _
(2) 0 BUJllr Selle' IhaM Pill' CIty uarm.r tax orltll"l1arfH
~ • _
(3) 0 e~r 0 Seller ~haA p~y PiOA tranl1'erfMt _ _---:- -
14) 0 B~r f' S.1I.r shllll pa~ H~ CIOO\rnent J)I'e~ ' - - -:-~_ __ : _ - - - _ . _ _ . _
Ill) 0 Buyer 111 Seller 'hell pay the COIl. not to IXceed S 35<1 DQ . of • one-,..r hOl'M wall'llll(y plan,
tuued b~ nr.t Al=ti,9,a; Rset !traocylQwi GreeQ
with the fojlow'"9 op"onal r::oveMipa. _
(II) 0 Buyer 0 Seller c.nall pay tor _
C7I 0 EIo.ryer 0 MIoIr $halI1 DIIY tor _--:
Ii. STATUTORY DISCLOSURES (INCLUDING LE.Ao-8A5ED PAINT 1iA2ARO DISCLOSURES) AND CANCa.L.ATlON 1UafrB:
-:-__- - - - - - - - - - - - -__ =-------
.... (') Seier IhaIt, ...lhitl the time .peeir..d In paragraph 141\" del.... to Buyar, 11 reqllll'eCl by u...; (I) F~"" Le~ Pa~ CieeIocunta IlncI
PIlrnpNel ,LAid OiacJotU""~I; and III} d15cJosurft Ol' nou::.s required by se<:lions '1 D2 el Mq. _nd 1103 lit. eeq. of the CaijlornIa CMf COde
iSlallJIDrY [);s~sJ. SlalutOTY Dlselo5v," 'nclvlle. but are flOt lmite<! to,. Real EsW1Ie 1rare.r Otsc;IQ~ Sll~ ("Tt)6j, "'AnI
l-tlnrd ()j5d~ure St81emerlt ('i'll«)'), netie- o. actual ktl~ of rt!1e.." 01 ~ c:ontroUIld cubstance. notice of epe* IIill tndIDr
....umentl (Of. W.llowed. ""ballmtiilllly equior.l."t notice regal'ding II'le Mel~os Comrnonil1 FadltJes Aa a"d ~f'( 80rJd At:I. of
,g,SI .nIl.
If selle. hn IlClUaJ knowlledllll. an rncluIIriiIII UH 8Ild miW1ary orllnlllCit Ioca\iofl Cll5do6lA (C.A.R. form sse).
(%) &lye' IhaU. wn"in the Iirre $pecJ'litd In /)8l11graph , .. er1). relUfn !igned Copies 01 the S1IMory lind LOlld DisClosurn til Seller.
(S) In !Nl ... ent Sot/lar. prior to Cl.... Of i*"DW, becx)""l:r _oe of ""'~rw QOn<!itio", '""'....,1)' .... dl"9 the Propit<1y. or -"y rTIiIIIItrill
.""'" ,_. "M"_ _""', ....

4'_1050.. &twll ,..,. be ...qulre1l fo, c:ondltiona and _rial inaccurael8s
........ " - .
in.oou.a~ In clOSClO'ure~. InfOlTtlltion Of -.prnentatirlnl pl'ItVlOtNy proviCIed ID Buyer r:If which ~Y"It" ;. om...-. unaware. Seler shill
~ ~_
~losaClIft repetta
~
orde
. _..,
d paid for
,_
~
1kIyw.
f5:J
I =
==
Buyer'slnlPM ( I )
C<>pynplllC'1iV'·:OliZ CAllrollNI... Af;SQCI.O>.TION OF "'l!.AlTO"!te INC
RPA.c,t R£V1SEC 10/02 (F... GE 2 OF 8) . JIl--.ecl'" o.tI
I sltn.,.s In~ ( )( )
CAL.IFORNIA RESlDE1iT\AL PURCIiASE AG~EEIlIBIT 1A."A-eA ~A~ %OF t1} n_lJo.zn.;
703 / 745
. _ 1BI'}2( 2_B_B.':."~1~~: ~~"'.
1531 MARA~ PAG: BE,
;:110 27' 4B34j • st _-04 3;~lPMj PAGE 4/15
Prcperty Address: ~ pp,;Je P:rlYC ll«;tuly :til';.. c:Il 9C2ZZ Oace:&ptmhrr' 2Q04
(<II II any dieclo,ure or note.. ~P<'C"il\eet In SAlt,. llf SUbMQUlInt or atnl'l'Il»d d..::Jos~ or nouae • CI~red III Buyer,""!t\e olle<" Is 5I9ned.
Ouyer ",.11 "aile t/IQ ngl'll to C8rJCQllnu; Ag'1lement wilhin 3 D~. Ahe< OelMlry in ~n. lll' 5 o.ys !'Jtef deliotery by oeposi " tile maio by
giving _nllen notll:" 01 uncellalrcn to So,fIef or $e<ller6 .grnl. ILaad DisdosUT'lls sent by ma~ ",LISt be -nt certjJeo maU or beller.)
15) Now 10 Buyer and Se'''r. Wallo'tlr of StatuteI")' .net ~ D.~u," is prohibneCl by lAW.
B. NA iUR.lL AHO EH"~ONIt'IENTAL HAZARDS: lII.lIh,n til. tn. soeciflOd in paragraPh '4. s.ter w l If requirwl by Law; (il de/Net" 10 e~
~ ..rthQu_t: ~uldes land Qve!l~onnalrc) and enwonlNlllAIlI22Jord, bookie!: (II) even f ."mQI t1)m tile obM9ation to PI'JVlde • tIlHO. dISClOM Illhe
Property IS IOCOltQd ,r. ! Spe~; ;:'ioQU H = '.i..: Poie'"t;; i" ...-ocl;"9 (lnund;'uon: .·n~. v.~,. "':gn F~ Haz:ard zane; S:;~ 1'1:-:: !".a:~::."l.!.blil)'
Area: E.rthQu:lke Fault Zone: Se\SIT'llC Hnard ZOlMI: alld (iii) d'Sdose .ny otnar %one • I~Und by lAw lIIld pftlIIi!le .ny 0 ' " informallon
required lor moa 20ne!l
C. DATA BASE DISCLOSURE: NOTlC~ Tho> Ca~fomlll De~nl 01 J\J5lic., Ihen'" oePllrtmeru. police clep.rtmentll ~11ll Junsddiona c!
200.000 or mer, .na ('1.n)/ Otl\ef local lllw enforamenl authcrlia mairuin lor public ;lex-ss • cIatIl base of tnt Ioation5 01 pel'SOfa$ required to
reg,!;Wr pUrsUllnl to ('l.ragrapfl (1' Of 81.c'dllnslon (a) QI Section :290.• of the Pwlllt Code. The Clll1il b8.. II upda1ed 01"\. qUill1l!rIy bails and a
source 01 ,n\ormetlon llooul the pr~senc. 01 ~&e indivlCIual, In any n'9hbortlood. TM Oell.""..nt of Justa allO maintan. , Sex Offwnoer
loentrt.c.lnon 1.1f'e througn wnlen ltIQuir'iln; about Inc:llv~ rnay be made. This is a "9ClCr alephOtlt ~"rvic». Callers muSI fI.w Kl4!CifJc irlftlrmelJO~
aDoul individuals !hit,.. an! cnecklng. Information feg;lrtling neighborhood• • nOl.vllN.ble tIYOu;h 1I1e -QOO" leleph~ a.rYKJ8.
& CONDOMINru....,.LANNEO UNIT P~OPIIIE,,"DISa.OSURE5:
A. SELl..fR HAS; 7 lor U ) rley. After Aooopzanc:e 10 disdll5e 10 lluyar "lIt11ler ltle '"rcpefty 1$ a CXlndommlum. 01 Is lcaIed n a
planned unit dl'!V.'opment or olller CQmr'non intlll'e&l cUbdi"illlon (CA.R. Fol'I'I\ SSOJ.
• B. If lne PropertY is. condominium or Ie ~led in a plannel!lnit lI8>1elopmenl or olher COI'TWnOf'l inta...c .ubdilfBIoIl. Se"r has 3 (or 0
02)'1 MIlr Ac.ceptane- to reClullSt from the HOJI. (CAR.. Form HOAl: (1) Copa of any <k)I;Umenla ",quAd bylaw; III) disdosure 01 fItlY pending
)
or anteip:l.lad Claro or ~1'9.111iotl by or ;l9ll11St tn. HC),&.; (IlJt a 5llItemeni c.ontainittg l/'Ie IocaIion .I'ld number at deIlgnated p;l1lUng 11M &lCrIgt
spaCl!~: Ii,,) Copie~ of thl> most·realnt 12 months of HOA rTW'IuleS ftlr regUla' ane! ao«:iaJ maelin9S: lind tv) tIw nII"- anG eomac:t lI'Iformalion f1I
~II HOAJ 90Wlrning the ProperTy /co'eCli'olWIy. ·CI Ollclll&u... j. Seller sllel ilemize .nd clef;yw to 9~r .11 CI DisdClSlII'8l received fn:lm the HOA
dnd any CI Drsdosures In ~11e<'1 posses,ion. BlIYcil ~provel of CI DllIdosures & II contingency aI thi!lApr1temellt as spec:i1ied II'l paragrapll 1.
7. cmmrnOtlS AFFECTING PROPERTY:
A. Unle&s omerwiat agreed; (I) me Property I' solei 1-) In Ita pR£SENT pnys~1 cOf\dltlon • of til. dam cI"'~ '""" (b! aubjeCt ...
Buyer6 InvestigMion rights; Ill) 1M P"'I»rtY. iN:Iudlnll poo~ IPA. ~F1dIcaprf"G .nd groUndl. ill 10 be ",.11ta1,* In subrStarrlilllly \he un-.
cor\dltlOn •• on the o"te of Aeoep\anoa: .nO (iii. al MbrI& ancl per1;onlll property not inck.ldaCl in lnt Ul8 .".. be remo-..d by Cloee Of Et.cnlW.
e. SEu.eR SHALL, within tf\lI litnc cpecifi.d in ~ h , ..... OISCLOSE KNOWN MATERIAL FACTS AHD DEFECTS .tfeeIinSl trw
Property. including kno-oon insu,.nce cl.irns within 1'- ~S11 fl~ yN", AND MA~ OTHER DISCLOSURES REQUIRED 8Y LAW 1c:.A.Jl
Form a50).
C. 11101'£ TO BUYER: 'l'CMJ are slrongJy .dvtaet:l Ul conauetlnv. .ti9llllona at the entin ~fOp~ In ortiet' to o.t.rmhw 11:1 ~ condition
s,nell ~, mar not De aware at ~I detKU a"-ding the Propeny or other tadoN ltlM you conaid« I ~ ~ Im~.......
may not be bul" IlCCOrdlng to code, In eompli._ wIdI _ I I I Law. Of hawe h8d penn• • • ued.
O. tlO~ TO SaLER: Guyer hal; 11>1 tight 10 i"~'" ~ .nc!. M .~ In .-ptalJh i.e. b$Sed LUlon IntDmDtIon di.c:owoered In
IhOM ~01\S: (I) c:anc:el th,. A~ment; elr lHI f'DCI'M&/lhat 'ou mab Rapal" o r " othef aotIon.
8. ITEMS I N ~ AND EXCLUDED: •. ' ..,
A. NO~ TO 8U~ A NO SELl..!Fl.: tterns tIsml as I'lChided or en:llIOed in !tie MLS. tt,a~ or "~110 rn.t.etWil$ . . . not Included in tile pu~.se
pnca orexduaecl from theN" unleU 1I)e~ In 88 orC.
e. I~MS INCLUOEO IN SALE:
(1) All exiSTING fDrtu~ and tittinos II'Illal'll 8Ilactla<l til the Property;
(2) EXlallf\lil 1l1earica\. ~~I. lighting. pIuInIlino '"CI he:lltlnlil l\lauI'M, c:elUng f.".., il(e~lIlae 111M"., gac lag. alld ~. lOla' a,...,..
buh-tn .ppLiances. Window ;lnd ClOOr SClftmi. aWllinqi. Shutl:D, 'Mindow eo",,,~, 1I11ad\ed Iloor co~ngs.......is,on ar«ennes. utelU
d."". pnv.te intepfltllCl 1.lItQhone ~)'Ste_. air COOlersiCOfld~e/8., pooVsp. equl~ garaga Cloor ope. .lJre..... c::ontR*. II'IlIliboll.
,n"9~unClllnoac;aPl"9. trn&JaflNba, _ . r aaI\enenI. water partfilrs, SIlGUI!1Y Sysal'llllll*"'-: lind
(31 The /01"-'"9 "eme' . _
(A) s;iiIr rCj:H,.QnI' th3t .It terN InCluo.G in the pm:nua pna. unleSS 0 - - ' apacif.-d. al'll owned by Seller.
(5) .... llet!W inc&JOed 1M. De uans."..a "... of __ and wllttcuI
C. ITEMS EXCLUDED FROI\lSAl!:
s....,
WlITant)'.
_
i. BlTYER.'S INVESTIGATJON OF PROPERTY AND MATTeRS AFfECTlNG PROP~TY:

A. Buyar'1 ac:ot'ptAnce 01 tl19 conditiOn of .nd .ny otIloIr rTQtttl effe<:ti'lll the Property. • • connngancy of tnle "!I_ment a• • ~II«S In this
p;lf8g~h .1'1<1 Pira~raph 146. W~fl;" Ene !me &pec:iIiad In pllnogr8tln 148(1). evy.r shWl have the nght at eU)'lr's expense lIIliesI olllll'lOlih
dgreed, tD CQndud InSP.ctIonS. in.."lli9l11ionl. tests, • ......,. anO other studies rall)'er IrNeS~g.tions1. tndUCllng. but no! ~mil8CIlEl. the rvhllEl: 41)
,n!lped 101 IeaO-NltO palm and olll., 1ead-o.lIfl'd pailll h_Cls; (I) inspeel tor wood eleII!'OYmg pesu 1100 organsma: (iill r e _ lIle ~
sex """nd,.. d.'I"t>aae; fiv) eorTfwm ttw 'n&Ufebfllly til BUyer and h F'rop"/tf; .nd (v) • .us!)' l'uyer as lI:l WlY mabr spedf..a In 1M ~
Buyer'llnapedlOn AdYlllOry (C.A R. Ferm BIA). Wthoul Sel»l"s pnor ....ntten ccnserTt. Buyer shall nell:nlr ~ nor CIIU_ 10 r. made: (I) lI'l~ivtr
Of ~e.tl\JclHlI Buy.r In.resligat,onl: or IIIl inspedio. . by any Ilo.-emmental bunding or ~iI'IO inSQed1:71 or ~.,.mrrwnl emplOyaa, UfIIe.. ,.qui..cl
by L..w.
B. cUyRr lhall cc~_ lluyar Inwe$\igltJona 1mCl. . . IP"lfled In paragraph '68. removw th. Ollnllf1genCY or canoel tIlIa Agr. . ~. I!u,.r ana" g_
. £]/
Seiler. lit no cost ~'-W COPieS 01 an Buyer lrNutiollliOn fellorls ol:l\a,ne" by Buyer. Seiler ;hll mak. IN Prooert)l .... lable for 1111 8uyer
In-.nl'9llhonS. SlIler 3n.V have ....11.... gI$. eleClricty.nd I' Op",.b... pIlOt hg/ll! on for Buyers ."v.~ I io" and tl'ln;lygh /tie dete poa_iorI .,.
"",d••v.l\:lble Ie 8uyer .
Bu)'ar'l lnili:l'- \ ~ ~ _~_ I

(5)
'~'·~007 c:Al.!FORNIA .a.S6OCIATlON 0' IlrlllTOfl&e. INC.
C,,"'Y"9'" e
RPA.CA RE'ASeO '0102 ~PAGE 3 OF I)
SaIef'I ,nitlala (
I R..-.-d
CALI"OFlNIA FlE.SIDErfTIAL PURCHASE AGREEMENT II'tP~~ PAGE' OF Il)
by
. 0...
1( )
1 --
.,.-:."
T6.2A9lJOZT'X
704 / 745
~

4e~ ~Er-''<:2'04
113/22/2ElI34 15:42 • 531 PAGE EJ7
"C"I OT: L;LJL.LJt'Jl:.LL BAN
810 Z71 3:52PU; PAGE 5/15
PropertyAclore$S:.JZL.>-~<;.i;.Dn..-" B.... nu }tilh C6 2Q211 O'Ie:.tal......... r C lQOot.
10. REPAIRS: Repavs shall tle COmpleWd Prior to fin~1 verifleatLOn of COIldi\lon unleSS othc1wlse ~...c in wrili~. Repelrw lD De pem,nneo at Seller'.
eXp4lrl:>8 IT\lIY be perrormeO by 6e~.r or thfO\Jgh CM.~. P'llvded toaT the wt>r' compiles with appbable L_. ,ncf.Jll1ng gavetrn1enlal petTTlit. in~on
; rIO ap/)ro\ljl reql.meme/Tt$. RepaJ/'i :>hilU De p..-fo'""le in a good. skJllful ..-nne-r wito mllferia. of qua'.y .nd ~pearaN:e ~arable 1D e>nsltnll
1T'I2t,,~al$ " 15 lln<lerSlood thaI eXiGI lest.orahon 01 _ppe_ranee or CC5metic:: Items folloWtng .. RecarfJ rmy rlOl be poulbll. seier st\aft: til Obtain
~cel?t~ for "aPIIlrs ~rtormed by Ofhe r5; (ii) Ptl:QaI'f • written ltat_nt ,ndQlI~ the Repa", p8rfO~ by Seiler and the data of suell ~an: r.d
lill) pro,lde COpIeS of receDlS and Slatements 10 Buyer pnor 10 final lICrfleallor. of condition.
11. BUYEr< INDEM/oIITr AND SE..u;R 1'ROTECl/Oflo FOfl t:lliTRY UPON PRO~TY. Guy", lnai: ii, .... p \he FI~i,j free and -dear of ieh$: jilj
Reoair all d;m"'llc IrtS"'9 trom Bvyer InveshoatioM' and (Ilil.ndemnriy il'lCl hold S.Ucr nllrrnles5 IrOm aM ~ liability, claims. dernancls, damages
~na CO~t$. Buyer Si'leU ::.arry. Of BU)'fr $hali ~oui,e .. nyone acIIflQ on !Iuyer', beh8~ to carry. PO_cies of IllIbIftty, ~rs' CO'I'TpCInsallcln .nd olller
appllCJIble rn.ur~1\a oefendl"9 and proltdlllg seller trOf"l ijllOl'lily ror Iny InJura to ~r$Ot'lS a prop.~ oCCtJrMg durong any Buyer Inotl!Stlg.tion$ Dr
wOf\< done en the PooQerty at Buyen. Olll!ClOIl prior to CleM 01 E.serow. SeJle, • :>d\li54d!hat C2rt.ln prowClions ~y be atfcrded Sellw by rec>Ordrng •
"NOllce of NOn-",spo~slb;lIty' (C AR. Form "INA) tor ElUYM In~ Ind worl< acne on tI\t Prapert)' lit ~ $ C1arecticn. Buyers ObI'9IIlQn:l
ufKTer tho:; pafilllraPn 'I'I1I1i s..-vive ltMI ~nnll'labon 01 !his Ag-.,erll.
12. 'rIT'U AND VESTING:
A. Wnolll tile lime specfl«l In r""aQrOlPh 1<4, Buyer shaW bv provided. a.UTent preliminary (title) repgrt. when is only an afIaI by 1M tMe insurer 10
L£sue a polICy of Nle lflSuranu and may no! cont.atl evety item ;ltedln; lllle. e,,)'1!f', revIeW of the pnI/lrnin1ry reoort and .ny olher maUers whdl
mby affect tiue lO,. I c.ootngency of Ihi5 A(lreerrwN •• SP&eI'ed in ~ragraph 1~e.
B. Title ~ ~en in ItS pl'elant condntcn "",bjecllo III eneumtlr'ances, usemenc., coven.nll. eondticnl, reslric:tlona. r1gNI.'ld other I1llI1!elS. wttetlll~r
of record or 1Kl1. liS ot 1he aate of ACO!'PlOInaa except (I) anonelOlry '-'IS 01 retard unless Buyer is .kun'Ill!g It''Ae ohuoaars ar ..... inQ I!le ~111
subjeCI 10 those ObltglllonS: Ind (ii) Ihosoe mine,s _idI ~r hi" ag~ to _ in ""'lin;.
C. Wilh'" ~ IIIN specrliod Il\ p."'graph 14.0.. s.ller nal a duty lD d,sclos. to Buyer.1I macera kr1OM1lo Seller aftKt'ng !lie. wt1eltler 01 rewrd or ~ot.
C. AI CI05e Of Escrow. Bu~r snell 11ete,,,. ,
grant OHCl con"'Y'ng tiM (ot. lot stoc:I< QXIllera.M or 101\9""'" Ie .... an aui9n1'tWflt 01 sltlok
oertnc.al.. or o! Selier S leasehold In'erftll. inckl<ling 011. mne,..1 .nd water riQt115 II currently owne4 by SelIItr. TIle shell vest lSlI cleslgfteted In
BUY\'r5 sucplemental .aa- mstNdioI1S. 'nolE MANNER OF TAKING TITl.£ MAY HAVE SIGNIFICAHT ~QAl.. AND TAX CONSEOU9ICES.
CONSULT AN APPROPRIATE PROFESSIONAl..
E. Buyer _n.1I receive a CL TAiA.LTA ~r', Policy of nile InwrOlOCle. A tillQ company, III Buyer'S 1'1IQuest. cen I)fCNIde informlllon lIbout ttle
aVllilabi~y. oeslrabiiity. CO\Ierllae· lind cost of vanous IklII inau,anc:. UW....p6 Ind endCHSCnlents. If BUVet' oesitU tlIIe COII'Irave olhar Ill." rn.t
I~urred by this paraol~, Buyer shllh inmuet E5crow Holder WI writing '1'lCI ~y IIny r.etMM In Q01t.
13. SALE OF BuYEI\'S "FtOf>£RT't:
A.. This A\l'Hment If, NOl contlnpent upon lllI Ale CIt any propec1y ~ by euy.r. ,
~B. 0 (If checked): ne ~cned aoOttndum (CAR I"ctm Cop) rcgardllll/ the oonlingency lor tile ~ of IlrtlPertr DWMll by Quyer .1ncoIpo..-"
i",O tl'lisAgr••l M n l · .
1... nlllE PERIODS: REMOVAL. CW CONTINGENCIES; c.flICEI...U.TION RtGHTS' The lollowlnu tlrnll pertodt mey only be ....... ded. "'rwd,
modl~ gr cnwaged by mutuel written agr.em.nt.·/4.nt Nmoval of c;ontlngenc:_ Of cencollalion under INa panl$r8t'Il"'ust 1M In wrtting
(CoAJIl. Fcn1I C R ) . ' . " :_~ "
A; SEI..LER HAS: 1 lOT [J _ _ ) Days Afbtr ~tanca III de~ver 10 e~r 1111 ntpOrtll. dlaclaSu,.. III'1Cl inlcrm8tlon tor w111c:h IleIIe1 is
relPon_lb. unller pervgrep/la >fl. 50'. and e.SA. 76 lind 12. _•....
S_ <'1 BuYER lolA.!l: 17\ot S _. lO.ys AUr Accep18n<le. unltaa o1hervriM ~ In Mltinll, »:
I'
(i) cornpllllt Buyer ImoestlgMJons: 1Ill1l""" ,II CIIsc105ures. "'POrl!l and "Ther aople.tlle itlfonnation, IIof1IC1\ Suyer ~1Ves froII'I S.-r. 1ft(!
.ppr~ aU matlet5 .flacllng 11'1' PteP9tt)' rmdlolOlng lll&d-bIIMCl p.inl .. nd ~.o-~d pelnt hUllroS lIS _ " . . Oltler information apeclfJed In
per,g",ph!t snd ,"~Jftty Of Buyer and 1Ile F'rope:l\y); and
(il) retum to seller 5'9* Cooito5 of Stah£ory Ind Laed Olcclol:UfeS d~n::cI by set.r in ~1'I1l1 With ~ 6A.
III W~IO Ihe twre a.pedfllld In 1~B( 11. Buyer mil)' Nque=t lPl.t saM., mike fWpeltS or t8IIe any otner .ctJon Nl911~ the Property (C..... R. Form
R~ I. 5e11ll, II... no ob~gnon tQ Il9ree ttl or rtapond to 6uye"1 ,.que••.
(3) By tIM and of the lme speof18d In 1"9(1) tor 21 lor Ic;In coPlbfIQency or 2J far :l~1s.a1 C4ntingenqr), Buyer Ih8I~iI1 IrYring. t8tnOVR the
~pplicab. eonu'lprnO)' (CAR Form CI't) or lAnoel thll Agreemeflt. However, If lhe following Iflapedlona, ~"" 01' dlllcIoalmlS a,. not"..,
Wi"in II'Ia tiTTw ~dl\ed in 14A. hn BUYer ha5 & (~O ) Ooy. Iftllr recaipl of arty au"" ....... Of lI'le trnll ....cHieG I~
1.B(1 j wtnch....r II IelBr, 10 renlO\lt _ .pplicabic oor-tInoancy or cancel this Agrwement iI'l Millng: (I) gOYemment-manda1e<l lMpecIIonll or
",pons ~ired II I C:Ond~jgn 01 cloSing: or (II) Ccmmon l""'r$ DisOoslJn:s p~ 10 peragnopll ell.
C. CONTINUA. TION Of CONTINGENCY OR CONTRACTUAL. O!lUGATlON; S£1..LEI' RIGftT TO CANCEL:
(1) Scller right to C.ancel; Buy.' C o ~ : Seller, .1Ie, fnt llivlng Buyer a Notloa ll:l Buyer 10 r.r1crm (01$ apedfJed belclW), ~y ca~
thi5 Agreemem in _ling illIG auttlo~ retum of ev,.er'. t1aPOlIl if. by the litTle spedled in lhi. Ag,...mefl'l Buyer doel nCIl: ~ .. wrl1ng
the applic:ablll confj"ll~ or ca~J Itri& AQreem.fI'l Onc:e IIU c:ontlflgenCleI have Deen .. movel1 ~'''''' of eJtner Buyw or s.t., til CleM
QSGJOW on time m8Y be II brNeh Of IPI. AglllefTlent
(2) Contin~ of Contingency, EVlln "Ilar ltIe upirIIlion of tM lime 8P"cifie<I in t 48('). Burer mains the right lD mike llIqUUlI til Sitler.
remove In "ritlllO ll'\t lIPPIiuble ccll1in98f'lC) Of c:anotl thit Agreemenr vntil seDer cancela l"lr5uant III 14C(1). Onoa St/ltr .-;~ Buyer'.
"""mn rllmO\l_ 01 all Cllnbngenc:ies. s.., mel' nut C1!noel ttl. Agreement pursuanl to "C(1).
(3) SO'''''' right to Ca"cel; Buyer Contrlct ODlIIl.t~: Se~. "tier tnt 9;"ng ~r a Notice 10 Buyer 10 Perfom'l (M aPl~ ~}. mlY
cancel this Ag~ m _rtirlg 4IfltI .Ul'-OrlZa ret,," of Bu"ers deposit flor .ny of the fc11OW1"ll .-..on.: f111f 8u)oer "'... III depollt funds ..
r.. qUJI'eCl by 2A or 2B. (II) If Trle f",es doIP~,1ed pursuar'lf 10 2A or 28 are not 900tl lIItTen oepotUd; (iil) If Buyer laill 19 prOYICSe • I8lrer I.
leOUI'l!d by 2G; (IV) If Buyer faihl TO pro""'" wer{Jeation III reQuired by 2101 or 2L; (v) If Seller reasonCltlly i:lisapproves a1 tile vertfgllor1 p~ided
by 2H or 2L; (vt) rt Buyer "\IS 10 "'tum StAlutoty al'lCl LN4 D:$d~urn IrS requQ(l by paragraph ~ or (viI) If 6u)'er flIlll1 til -'Vn or Inllill •
!>l!p~rabe li:lulOaled d. . .S- form tor lin Increa&.d dePosit .S rlquired by p;/faQrapn 16. ~"r .. not .-qui~ to S.... Buyer a Notice to
p.r1orm ~ ..d'"ll CION' of Escrow.
I') Nctico To Buye, To ~rf....... , The "'0bCII ttl ~ III Perform (C.A.1It Form NlSP) 5l1li11: fl) ~ in WTttItlll; (II) be aigned by Seier; IfIClIIUt ~
eu~r II _ I 2"lor U ) houtS (or until the IIlne aoecafed in lhe applicable I>ll'allr1lph. ~n !Nt) 1ll1lIlt. the .pplic;ltlle
ac:lio<1 A NOli<» 10 8uyel to Perfom'l may rlQ( be given any uri*' thaI' 2 D.!y:s Prior III the expntJo.,
• contJ"glm'y llf once/ifill AgtMrrwnt or 17lf!1l' 1>flCl3) Dbhgllion euyen lnrtilllS (
SeIer's Inttil~ (
. ){
) (
)
)
tE:r
II(;ahW am. for ~uyw ra '-fT1OlIe
=
r-~Dynghl C; 1iVlo2Q02 CALIFORNIA ~OCIolo'T'lON OF RlAl'rORS4I. IN<: I . I
RPA-CA REVISEO 10lD2 (PAG! 4 OF 8) :~..,. c. =-WT~
CAlIFORloI1A RESIDEHTlAL PURCI-lASE AGREEMENT (RPA-CA PAGi A O~ 8) T62892.10.l.FX
705 / 745 1
lB/22/28e4
"C""
15: 42 . '
01; vUL.LJnCLI. ljAN. .i31
310 ,71 ~834 i
MtlRA~
• SE, _'04 3:5;jpM;
PAGE es
PAGE 6nS
Pl'Qpe~ Adorns. 321: ~ PeCIc;n .,.p ~ mIl. ~.A 202J2 Date:sU'Cc:ahcr f 20P4
D. EFFECT OF BUY~I'l'!i REMOVAL OF CONTINGENCIES: " evyer ~ . n ....mlng, an~ eorlllflge1lCf or ~1.lIOn 'Igt'lls, 1IT'les$ olllcIWIW
SDecrfJeQ J1 J S~3r'tl! wnnn "9 r "rnent between Buyer .nc! set..... euyer sllaU conc:iJSlYety ~ ClMnwd 10 lulve: (l) completed aI 8uyer
1".e"J9abo~, .nd revIeW of reports and OIlier appllCaPie In10fTTlllT>On .nd diSC!oswrws ~rta",ng ID that <:onh~ or c:enoeu.ii<ln right: IIl).ded
to I'rooaeo W1t1'l In. tr.ln5aC1)On. ~nd 1111) a5SUITlIoO ailliabihl~, IlIlSponwiily and cllpenn Icr RePan or ccrr'llCllOnl pertan~ 10 lNlt Cl)IttJng8nty or
canCO!lIahon righl. or tor lncK>ilily ID obtein me"oill9'
E. EFFECT Of" CANCELl,o,TION ON DEPO!lTs: If Buyer Dr Seller 9i1res wrill8n nouc:e d Cln~illItion P~n11D nghts duly ex~ under llle
:':'1,,;,' of rh'lI Aol,... ~ent I'llJller II~S~llIr agree 10 S9" mulUal.nstruct~to e-nOlfllhe sale ;nd GCCrtM' and relea3C a~ less fees end
costs. 10 IhI! p~rty .milled 10 the fulldo; Fees and COSts may be payable r.o servICe pnovlllel'5 and vellOOr3 for servic= aoo 'Pfodue:t5 pmwuecl GoirY.g
esCIOW. Releese of lunas will ~IIW mutual Signed ~"a. . I.... truetlon& Itom Buyer and Soller, judicilll Oeciaion or arbitrMion _I'd.. A
party may be SUbject to II civil penalty 01 up to $1,000 for r.ntA' to Ill'll" such instruetiortS If no 000lt folith Oispca ~I_ a '0.1'lo Is
entilled to the de~ited funds (eMI Code ~'0fi7,3),
15. FINAL VERlflC,l TIOl'/ OF CONOfTION; auyer sNI have me riQIlt to I'NIk.I ; flnll jmpeaion of \he ~ertY 'MIll..... 5 lor 10.,. Pttor
Ie Cle.e Of &erow. NO" AS ]I, CONTINGeNCY OF' THE SALE, bu. s.oIe/y ID corrfrrn: II) ltlI PTDPerty it m.rna....., pursuant 1D pal'3graptl 7A:. (ii,
Replll!'S nne been COmplP.led .as 110-: lind CIII) 5e''''1 !'laS co~tell ..nth Seller', oIMr obli9atiOf\l underthil ""ree_nt
16. LIQUIDATED DAMAGES; If Buyer filii' to complete this purchase because ~f Buyers dllfautt, Sell., shall retain,
as liquidated damages, the deposit actually paid. If the Property is • dwelling with no more than tour units, ooe
of which Buyer intendS to occupy, then the amount retained shall be no more then 3% of the purchase price.
Any excess shall be returned to ::luyer. Release of funds wm require lTtutUal, Signed releilse instrUction!: from
both Buy~r and Seller, judicial decision or arbitration awa • BUYER AND SELL!!R SHAll. SIGN A SEPARAn
LleUIDATED DAMAGES PROVISION FOR ANY INCR t:>EPOSIT.(C.A,R. FORM RID)
&~ar5 11iit~.. s.nan Initial..
17. OISPlJTE RUOt.unOH:
A. MEDIATION: Buyer aM seU.., aOrR tD medl.ta any cli&;:luU! or claim anaing ~n tnenn out ollhia Aoreeme<lt or.-.; IWl<lllil'lO ~I\.
before rKomng 10 albilra~on or ,;oun.cllOn P..a9~h5 17B~) and (3} be\Qotal aPPlY whether or nor the Artli1nabon pro_ion. irlltiaa.d. wedlafloto
I~. If any. sh.n be djy;(jed -eQ~aly llmo"ll ~ partiel inVO/Yed. If. for any ~utI or ~ to wt'ICII 1I11c p"'gr.aph =allPhel. arrv part)' comnwnOH
an aclion WllhOlA flrsl atte~ 10 ,....... the melte. ttlnougIl mediallon, or refuses to IlWdgte aIler II request ~& been rnaoa. ~ that pany
Ional not be entitled 10 re<:oYer attol'TWy -.., even If ltlf')' would otherw.e be ....O'ble to 1I1at patty in any tUCII adlcn. THIS MEDIAT10tol
AAOVI:SION AF'PUES WHETHER OR Ncrr TI-j£ ARBrTRAllON PROVISION 1$ INITIALED.
s. ARBITRATION OF DISPUTES: (1) Buyer and Seller agree ....t any dispute or claim In Law Of' equity ariaing
be-tween them out of this Agreement or any resulting transaction, which Ie not settled through mediation,
shall be decided by neutral, binding arbitration, Including and 5ubjeet to paragrapns 17~2) and (3) below. ~
The arbitrator shaU be • retired judge or justice, or an attorney with a1 lell81 S y~,. of residential real . .tate
Law experience, unless the parties mutually agree to a different arb'trator, who shall render ;11" 8Wi1rd In
accordance with SUbstantive California Law. The panJes shall have the right to discovery in accordanoe with
California Code of CMI Procedure §1283.Q6. In all other respects, the .rbltration shall be conducted in
accordance with Title 1 of P.rt III af the california Code of Clvtl Procedure. Judgment upon the award ot1he
arbltrJILOr(S) may be entered Into any court haVing Jurisdiction. Interpretation of this agreement to arbitTate
shall be gow:med by the Feder.al Arbitration Act.
(2) EXCLUSIOHS '1'1011 MeDIAnON ....ND ARBTTIU.TION: n.. following _ _ ... aRl..-cl from mediation ana artIllnIIion: <I, a Jlldtctat ..
or oon'iIJcllclal tD.-laau" or atrler ,C1ion or pl'DOe9dlng to ftlfOf"Ce ~ dlMlCI of trust. mo~~ or In$tII'~m lena 'Ale contraQ _ cIefInM
in c.lifvrnia Civil Code §Zt8!i; III) an unlawful o.tai.wr action: (III) the filing or entorcemDnt at a tneehanlc'lI ne~ and (""817)' ~ tNIt
iI ""lhtrntle )uri&dic:tion of' proba_, ~n claims 01 ~rupley court. T1w "ling of. ecurt.cticIn 10 enabl. rt. ~ordInc of 8 nollN III
pending .aIOn, tor o"'r of anac:hment. recelYershlp, In}UI'lCUon, or other provisional ~med"', aha" not constlbnl • _tIMr 01 the
mediallon and , rbltratlor> pnwialona.
(3) BROK!RS: B~.nd S.1"r 8!J'" 10 rMdlate.nd arbltTMe dt~ or ctattna lmIolving e"*- CII" I:lOl11 Brokel"l, conststent wI8I 17 A
lind I. provieted either or bath 8ro1lers 'hall haw agnle'CllO auch rn~Wlon cr erbltration prier to, or within 8 _onaDte time -'bar. tl'Ie
d"putoo or claim" prwsented to !roU1S. ADJ -*uon tIJ ellher or bath Broken 10 partlcipet8 In medgtoon or lIt1JllrMkIn _hal not NSU.
in.lSroll.ra being _m.o partiea to h ~~
"NOTICE: BY tNmALING IN THE SPACE BELOW YOU ARE AGREEING TO HAV! ANY DISPUTE
ARISING OUT OF THE MATTERS INCLUDEO IN THE 'AR1UTRATION OF DISPUTES' PROVISION DfClDED BY
NEUTRAL ARBITRATION AS PROVIDED BY CALIFORNIA LAW AND YOU ARE GfVlNG UP ANY RIGHTS YOU
MIGHT POSSESS TO HAVE THE DISPUTE LITIGATED IN A COURT OR JURY TRIAL. BY INITlALING IN THE
THOSE RIGHTS ARE SPECIFtCALLY INCLUDED IN THE 'ARBITRATION OF OJSPUTES' PROVIStON. IF YOU
REFUSE TO SUBMIT TO ARBITRATION AFTER AGREEING TO THIS PROVISION, YOU MAY B! COMPl!llED'
TO ARBITRATE UNDER THE AUTHORITY OF THE CAUFORNIA COCE OF CIV1L PROCEDU~. YOUI\
"we
HAVE READ AND UNDERSTAND THE FOREGOlfotG AND AGREE TO SUBMIT DISPUTES ARISING
OllT OF TttE MAlT£:RS INCLUDED IN THE 'ARBITRATION OF D/SPlITES' PROVISION TO NEUTRAL
ARBITRATION." I Buy.r'a ';"tiIlIa I ~t.r'$ In~
_.
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CoP't"9'" «l , ,p-\·10n. CAUl'O!tN.A ,o,s.."IOCIATlON o~ RlOAL't'OfI5e. INC
RPA-C.4 REVISED 10/02 (P.&GE 5 Of' .l R. .- . l ~
I sellen lnllla IS (
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CAUI"ORNIA RESIOENT~ PURCHASE AGREEMENT lIaFl.. .cA "AGE !l OIF I) T621923O.:lf·);
706 / 745

1El/22/2EHl4
OCI~ I e":
15:42
l;UL.LJ\'It:LL tlANKER j
.e(~31
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MARA E4 SEP-22-04 3:54P~;
PAGE e'3
PAGE 7/15
?ropenyAddres,:3.Z0 s. hc::r Pr",r€ Be-erly 1111',. pi 2~21.z DlUe: Stop telP«r' ~!2 '"
18. PRORATIONS OF PROPERTY TAXES ANO OTHER ITEMS: Unless othel'Wl$e agreed In wrilJng, tne following itQ1TlS Mall be PAID
CURRENT and prOrlllcd bi'tWeen SUY&f and Seller iii of ClOse Of Escrow: real property 1aJce$ imd 3Sllessmlnls, Interes;l. rerns,
HOA regular t.peoel. and emergency due~ end l!IsBe!lsmel'llS Impo!Wtd prior to Close Of Escrow. premiulTlC on Itsurance 8Mumed
tw l3uyer. paymenIG on bonds and .ssessmenlS BMlJrned by Buyer, ena Davm• .,lS on Mello..Roos and other Special Assessment
Dlsll1r:t bO<'1ds lind aneS5menlS that lire n()\o\l a Iten. T~ folloWing ilems sn.1I1 be assumed by 6uyer WTHOUT CREDii lowa,u 10"'11'
purchase pm~: prorated payment6 on MQlh>R~ and ather S~l A\:Geumern District boncI5 end IlMe"$m8~ and HO" ~
1l5Se~ments lhat <lfe no.... e hen bul nol yQ( due. Properly will be r8OlllstS&ed upon c:tuII'l98 of ~It!tp. Any lIupplemlNlt:at tax bils
shill! be P3id as fo'ows: (i) for penOl11O 4!ner Clost! Of Escrow. by Buyer. end (illlof' periods pncr to Close Of EW'OW, rty Se.er. TAX
BILLS ISSUED AFTER CLOSE OF ESCROW SHAlL BE HANDLED DIP.ECT1. Y BE'T1M:EN BUYER AND SELLER Prorations sholll
be molde based on 1iI 3D-day month
19. WITHHOLDtNG TAXES: Salier and B~r agree to ex"eute any instrument. llffid8vil, statemenlot instruction reasonably nee.nary
10 comply with federal (FIRPTA) and C.lifomlll withholdll'9 Law, if requlred (CAR. Forms AS and 10.8).
20. MUL1lPLE LISTING SERVICE ("tilLS"): Brol<.enlafe aU1horized 10 report 10 tne MLS a pending &ale and, upon Close Of E$C2UW. the
lerms of thiS Illlnlilloion to be published and disserTWM1ad to pen;orlS and entitMts authoriud to use the informallOl1 on termll
approwd by the MLS.
21. EQUAL HOUSING OPPORTUNITY: The Property is sold in compliance with ledtlfill. s~ and ~I anli-diacnlTinlltion Law&.
t 22. AliORNEY F'EES: In any lIction. proceedin". or artlitr81ion ~"n Buyer and Seller arising out of this "greernerrt, the pr.wlling
Buyer Of S.tar lOhall be entitled 10 raasonllble ~orney fees and 006tS from the nOl'l-preveiing Buy,"" or Seller. Cl'cepl as prol/ide(l in
p~r~graph 1710..
23. SELECTiON OF SERVICE PROVIDERS: If Broke.... ref. Buyer 01 Seller to ~~. vendcn. or service CIt product JlI'cMden
(-Provider."). Broilers do I10t I;/uarefltlle the performance of any ProViders. Buyer .net seller mIIY seIoct ANY Provicwn of their own
chOoling.
24. TIME OF ESSENCl!; ENTIRE CONTRACT; CHANGES: Trme Is of the ealO8nce. AM undQrlIlanding. belweRrl the partie8 8re
incolJlor.ried m !his A9r~rn. Its termll are irlttndad by the p41rtifi as a finlil. complete and esesu.Ne expn!isJon of tneir
Agreement with respect to Itl subject malttor, and may not be contradicted by ~d&ncc of any prior agreement or oontem~OUI
ofillllgrHm~nt. If eny pr~ion of lhis ,A,greement Is held to be l~ffectJVe or invalid, Ihe ~ining provisiona wil neverttlft5S be
liNen fun force and Ilffecl. Neit~ ttl;' A9f_mltnt nor any provision in It may be 8ll\endecl, amendad, mocllfae<l, altMed or
chanEJed. pcep1 in writing Signed by Buyer and Seller. '-,
2S. DTl-IER TERMS AND CONDITiONS, including a\1aOhed 6 U p p l e m e n 1 s : " ' ; ' ~~
A. ~r's Inspec~ Advisory (CAR, Form B I ' .'
B. Purchll$t A reelTlltr1t Addendum . R. Form AA numblrl:
C. seHer to PAY ~ C;lg,w,inq "",,1:" i l l All !I!I!2Wl.t oQQt to IHC.-d 2' 'PO p9Z'l;tiIC;) o~";be t':iDa"l
pura"'''' ppee i!!J,lwr:4' ...... t.he: b!ml!.Z: hp,lck • CAHgpay,. Resl li.eAt« Ug...,.,-
26. DEFINitIoNs: As und .nu.
Agreement: ., _ ";.,
A. "Aeeepl.8nce" means the time the orler or fna! counter etJer is aooepted in writing by It petty and • delive~ to and pe/'$ClMIIy·
recelv.d by the other PIIrty or thaI pany'5l1uthorized egenl in eccordence wIItl the term& of thI& o1'lar or _ 6nalmunter of'Iet.
a. -....
grNfTl.nt"' means ttlt terms and conctitlol'lS or
this acoepl-el C8~fomia ResidentiaJ Pvrch_.e AQreement-lIOd any a ~
COInWr 011.,. ancl addenda .-
C. '"C.A.~. Fonn- mel! ns the specific form ,.ferenced or snolher comparable fenn ,grHd to by the pst1ies.
D. ·CION Of Escrow" means the oate the Sjl"Zlnl deed, or ~r evide~ of traOlS1er 01 tme, 15 recorded. If 1tle &Ch~uled clotIe of
neto-lw tall, on , Salvrday. Sunday or ~ holiday. then c:toee of escrow shall be ltle 08lC1 bustneu clay after the 5Ctleduled
c1ol!leal escrow data,
E. ·Copy· ITI8lIna copy by any Il"IMIns incJudin; I)hctoaJpy, NCR, facsimile end etectrtlllic.
F. "Day,- means calendar days. unless otherwtee required by l.1W.
G. "Oay. After" m.an,
the speCIfied number of calender deyll efter the oc:a.nTence of the event IPeCifJed, nOi counting t/'lD calDnclar
dale on which It'Ie apecrli80 event OCClJrs. and ending et 11:e9PM on the final day.
~. "Days PI1w" mean. the specifled number or
CIIlendar ~ before the OCCllTlmOe of 1he aVQOt apeeified. 1'\01 counting 1M
c::8lendar dll\8 on whIctl In." Spec/fled rlent ia scheduled to occur.
I, ''Electronic Capy" or "Electronic Signature- means. as applicable, an electroniC copy Of 5&gnatlre complying with CIIIforni8
Law. B~r zmd SeHer agre~ thaI electronic:; mean, wi.
not be used by either Pllrty to modify or litter the content or integrity of lt1ia
A91'Hmem wtthout the knowledge and ClClnMnt or the othAr.
J. wLaw" ~anll llIny Jaw. ODde, statute. ordlnana:, rwgUlatlon. rule or order. which is adopted by. contloning city, county. s&aIe ot
federll1legist.t/vc, judicial or executive body or agency.
K. "Notice to Buyer tn Perform" means. dowmenqCAR. Form Nap). which 51'1111 be in writing and Signed by 8etler and .nell
gi"" Bvyer B1 jQ8s1 24 hours tor 85 otherwls. specifie.d in paritgraph 1C(4)) Ie rerneNe 1/ contingency Of per10rm as
applicable
L. -Repeire- means any "~Plilir. (inclUding ~ contro~. alteralio",. replacements, modifica~ns 0( retl'ofitlinll of tne Property
provided for under this Agreement.
M. "Si9nocr me.ns either a handwritten <:JI' electronic 5igM~ on an originlll docum.nt. Copy or any coun1erpart.
N. 5ingulllr lind Ph.lra' t.rms eacl'l inclUde lhe other, when awopriate.
Buyer'. lnltiak ( ~(
I Seiler'• .,It~" (-~ :(
_
C"JIrr.gn; ¢ , ~tl.2COl CALJ~OHNIA olSSOClATION ~ Ilt:ALTORS4P. INC. Q)
~PA-eA REVISEO 10102 (PAGE' OF 81 . R _ Oy
C.ALJFORNIA RCSlCENT1.4.L PuRCHASE AGREeMENT (RPA..cA PAGE 6 o~ 8)
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10/22/2004
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310 271 4834 j EsettEP" 22.04 3:55PM;
PAGE 18
PAGE B/1S
Property Adore.S 1.2°;; P'5~~_tl""7"'" BeVerly ttt lJ:j, C6 902U

~~:4'~e'Fbar 4 ZQg.
27. AGENCY:
A. DISCLOSURE: Buyer end Seller Bach acllnowledge pnor r~iPl of CAR Fol'TT\ AD "Disclosure Re~rdlng ~al Estlrte Agency
RelOluol\Ships'-
e. POreNTIALLY COMPETING BUYERS AND S!:LLE~.s: Buyer ~r)(j S~r Gch acKMwledo(> re~ip! of .. disclosure 01 the
poe,sibilrty of munlple rep'esentoltion by the Brt*er reprll!l~g tIl.t princi~. This disclosure may be p'ln of • listing agreement.
buyer-broKer agreement or separate dOOJI1'len1 (CAR. Form 011.). Buyer understands thllt Broker repr~ntt"g au)'~ may also
represent other potential buyeors. whO may consider. make ofIers on or ultimetely acquire ttle I'rope"y. Seller Ul10eBtands tttilt
BrOl\er represenlmg Seller may al&o represent mhe:r sellens with competing properties of interesllo this BlJYer.
C. CONFIRMAnON: The follOWing ilgency relalionlOhips ere hereby (".Ofltirmed fDr this transaotion:
LlslinQ Age"t ColC....ll AtnW (Pnnt Firm Name) IS tM ilgent
of (check one): [J t"le Seller excJuslvely: or 0 both the Buyer and Seller.
Seiling Agem _ ._~"4l! Iir:Ut"ill R..utarc; (Print Firm Name) (If not same
as Listing "gem) Is the ",gent 01 (cheCk one): !1' the Buyer exclusively: or 0 the Seller li!xcllJSlllely; or 0 bOth the Buyer Ind
Seller. Real Esl.nll Brokers ilre not P!lrtle' to !he Agreeme-nt belw-en Buyer and Seller.
28. JOINT ESCROW INSTRUCtiONS TO ESCROW HOLDER:
A. The followl~ paragnlphs. ~ applicable portione 1hereof, of this ,t.,g"""l!'f'It con.titute the ~int nerow irwtTuctions 01
Buy.r lind Seiter to Escrow Holder, whict1 Escrow I-iolder ill to use -Iono with any ~lQled counter offers MlQ edd«tda, and any
addition.' mutual instruc:tions to close the escrooN: 1, 2. -"4. 12. '36. 14E, 11t 151. 2~. 258 and C, 26. 28. 29. 32A, 33 and
plilrsgraph D of the seetJon lilled Ryl E;tate Brokers on page &. If II Copy of th. uparate c:om~on i1greement(s) provided
for in p8ragraph 29 01 32A or paragrePh D of the seelion titled Real Esta_ Broken; on p"ge e is d"posited wi1h E5c1ow Holder
by Broker, Esaow HOlcwr sn:all accept sud1 i19reernentt.) and pay out from Buye"5 or Seller's fU"I(a. or both, 811 aW'icabae. the
BrokQ(~ compe",slI'bon pm'liOed fe, in sud'! 8g~nI(l). T~ term& and conditions of 1his Agreement noI 5et lorth In the
r.pecifleCl paragraphs lire i1dditional matle~ tor the informgtlon of E&er'OW t;older. but about wI1id'1 EsGtow HoIdef rw9d nol be
concerned Buyer ~nd Sell~r will ~~e Escrow Holdet'·, general prollislone direetlv from Escrow Holder.nd wlIl ex~ 'uctl
provjSion6 upon Escrow Holders requelt. To ttle extent tN general provisions are inconsistent Dt' conlid wtrn thi& Agreemenl.,
the genersl rctM!Ions will control as to ttle duties IIIld obliQations of EsaCl'W Holder only. Buyer end Seller wi! execute additional
Irtstructions. document5 and forms provided t1y E£Orow Holoer ttl...~ re•• onably neoe'''ry 10 Close the "crow.
e. A Copy of thle Agreement s~1I be de~red·· to E~O¥I Holder Within ;1 tJusnea ~ .fllIf' Accep1ance
lor 0 ). BlJY'lf ancl Bel.... aurt\ortze E.scrow
Holder to accept end rely on CopIeS end Slgn!ltures 8S defined ,n lhis Agreunent IIlI 0"911\11;. to open ecaCNi and for O1her
purpOiefI of escrolol/. The v.Jidlly ot thll Agreement 1$ betWeen B~r and Seller hi n01 a1'leded b~ wtJetner or when EIa'DW
Holder Slgtl5 this AgreemMlt.
C. Bro~ra are _ p.rty to me _crow lor ttw ~le purpo" at compensation pur8lJar'lt to ~r<lgraphs 29, 32,/\ .00 paragraph 0 of tt.
section titled Real E$tate Brokers on page 8. Buyer and seller ~OCIIbly .aNign 10 BrtlIcers compensation specified In
paT89r8phs 2~ and 32A. re5pec!iv1'/y. and Irflvooabty inStruct ESCt'tlW Holder to disburse tho~ fUnd!! to Brokers III Cloee 01'
EsC'1)W or pursuam to ill))' other m\JIualy !)leaned C2lf'lcelIlItlcn agreemetll Corrc>en!>8tiQl'l instrvC'liona ClIO be emended or
revoked only with ttle writtlO'n COfllHlnl of Broilers. EsO"OW Holder atlall Immediately notify Broke~: (I) If Buyer" initial or any
edditiol'\lll depoM 1$ not made pvrsyllTl! to this "Greement. or Is not good at time or deposit with ESCI'CIW Holder: or (II) It Buyer
anC Sel~r instruct ~ Holder to canoel ellQ'ow. .
O. A Copy of _ny -.menoment that atfect5 any ptIragl1lptl of U- Agrwement for which E&a'OW Holder ill responalble &tl8N be
d"lr\,<ered 10 Escrow Hold'" witnin 2 bIJ!liness days after ~I execution 01 the amendment
29. BROKER COMPENSATION FROM BlIVER: If IIpplicaDie. Upot'I ClOse Of E5CI'ow. Buyer "grees to pory compeneeUOrt to BroII.r
$pecifleil In 8 r.e~te written agreement between Suyer and Broker.
a.
30. TERMS AND CONDITIONS OF OFFER:
Tl1iS is an offer to purcha5e the Propenv on the above terms and conditions. All paragrClphs with spaces for inlljBla by Buyer and
Seller are inc:orponited in tnl! Agreemenl only If initialed by "II par1ies. If at least one but 1101 all parties Initial. a count. is on..
reQuired un'lll Ilgre1lmenl is reached. Se"et hili the ripM to oontJnue to ofIer thQ Flropenl" for ~Ie and to accept ariy Oiller offwr 'I lin)'
lime prior to notification of Acceptance. Buyer he read lind Ilc;t(nowledges receipt of II Copy of the offer and aprees to the above
confirmation of agency rel3tlonshlPl. If this offer b <Icceoted gild Buyer sub!Jequentty defaults. Buyer ~ be responsible for-
payment 01 Broke1'l' compensa\lon. This Agr~men1 and any .up~\. addond\ll'T\ or modlflcaijOfl. indLJtllng .ny Copy. mey be
SIIilnt'd in two or mo", COUflterpartS. aU of wnid1 shall conslltllta one and the ume writing.
Bu~. In~l. (~)( )
C;Oprri!l"'1: ,gg'-:lOOz. ;.;.>.L.l~IUoIIA ASSOC1All0N or REAl. r~. INC

RP.... c,l REVI&Etl10102(PAGE 7 OF e)
Seller. Initl8l:l (
RO'#_~
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C,t.UFO/llHlA RESI05NTIAl PURCMAS!: AGlR£EMENY (~AoCA ""Gf!: 7 Of: III nJ~ll23O.7.FX
708 / 745
Samaan v Zernik (SC087400) Los Angeles Superior Court 10
16/22/2664
........ , 01.
15:42
\JVl..lJ\"Qt:l..L
e5tr1531
t::lANI\k:l-I; ~, 0 271 4834 j
MARA E. SEP·22·04 3:5SPM;
PAGE
PAGE 9/'5
11
PrQpenyMdl'81OS: '20;; rt,,& Dr-ZC IicrN1y ='u,U. CA 20212 O'l1l!'S~c........ r « 2!?Qf

31, EXPIRATION 01' OFFEfl: Thi' cI1tr .hlll be dft.mea revoked end ne a&pOsll In-II be r.lurnt:Cl unless the ofter II S'9~ed by Seller ltnd a Copy of~
S'!Ined otfer is pe'Oonal/y receivld by Bu~r, 01 by • .....,0 "
,-'1.'1f' /~;
-----z;;-, 4, S -
OIult'>oralel 10 ,pcp\VP ,r Dy 5:00 PM on llle 1M" ~lencl.r dey al'lel' ttl. Olflr i' SIQ,.d t1y ~ (or, If dWdted. 0 by
(d'.) , ~ 0 "'M 0 PU)
:..e
Dale i:);lre ,
BUYE;- ~ ~ BUYER
N'i ",';Q SamaATl _
(Pnnl N.me) (pl1nt ~me)
1.227 112 S Alrr ..d .5U-t. Loy Maille" CA 9120J5
(Ac:ld~Ss)
J 2, BROKER COMP ENS~ TION ~OM SELLER:
~. IJPQfl Clote 01 E,c.row Seller Ig~es 10 PlY c:ornpe<l~atonto BI"O~r as specmec in a SQParale .....I'l!ttn ~"'emenl t>etweerI seller end ereker.
S, tI est:ro... does not cJese, companaallon IS Peyllble . . EpeCifIed In tMl sepalllle ""rlnen agreement
33, ACCEPT.U.ICE 0,," OFFER: Slll,-r warrants thlt 5 ....r It the own"
or Itle F'rooef1)'. Dr heli lI1e Iluthorlty to ~ e ttll5 A9_menl 5elter acc:eptsllW
allove offer, aptltps to SIll the Prop«!rty on ~ ao~ lemrs .rKI COIlCiIions. lind llgrees to the abOYe conflfl"-tioll of 8ger1C)' ~!lItionahtl'S 5e1'-, has
,uel and ;cl.ncwIl'!OQK 1f:c.e'l'1 of a CODY of ~ Agreemen\, and ~arius fltcke' to llel'ver a S(lned Copy 10 BuY'"'.
o (It checl<Ald) SUBJECT TO ATTACHED COUNTeR ~FeR. DATED
Oale _
O~tll
SELLER .' _ SELLER ---
~<WJl Z"..r.cil....
1.."Jr _
(PnntNa ....) rpr1n'~
lAdO......'
1 i .. ) CON FIRMA TION OF ACCEPTANCE: A Cclpy of $igred Acceplllnce _a I*ntOnaily "'CIltI¥8d by Bu,., 01' 8u)wf1 lIuthoriz.ec:t
(In'ialc) llg~nl en (Mle) .c _ 0 AM 0 PM.... blnmng Agr8ement" ~ wMn
a Copy of Signed Aec.eptance .. ~oNll" reeetved by Buy., or Buyer'c authorized ~nt wn.tI\er ~ not conIlmft irI
ltll$ Oocumerrt. Completion Cf thls eonftrmMion • not 119111)' ~red In order to e-\e _ binding "9,eemant; It is. ~
Inr.r\Cled to eVldene. ttIIl d8hI tl\ll ConftrmIItion of Acceptanc:.e has~.
R.EAL eSTATE B~OKERS:
". RuI Esta'- erok.eI'll"1 not paro. to tM AgNtllMftlbetw.. . 8U¥erand hiler.

6. Agency ",Iati_tw!'l we eonnnned •• Iltl*d In pal1llll'llph n.
C. Ir Specified n p814l0raph 2A, Agenl ",,",e ,ubmiled the offer fer iUl"fr 8dcr1owllGges receipC Of 08pod.
C. COOPERATING BROKIlR COMPENSATION: Linln; el'Oker IgrHi to P41Y CllCperalrJ!l 81'll1car (~lIing ,.,." Ind CocPl!'r.JlinQ 8ra11ef 119r,," 10
looa\lL out of uSWlg 8rol<.w', Pf~ In es.c=w: (I) me lHI'lOunt Iopeci1\ed In tM '-lLS, p<ovjded CO()pel';ltlng ElroIr.r 1& • Part~ of the Ml-.i In
wh,ct1 the ProPerty • crtered tor ~a" Dr • re~OCII MJ.S: Dr III 0
(II en_eked) the .ntCUl'Il apecified In • • ~,.. wr1UD~ Igr.-meN {CAR. !'orm
cae, ~tween L~ng om...... nd Cooper1lbl'lll BtlCIQr.
R. .I ~12'e BrOleer (Sal"~ FIlm) ~ n p Cirlt'fi., Ee.ltgD
8)' - City .to,.
Jr.j,y,j" "'Nem Daw sopttnpbwr •
Az!gw~.a
~OD"
Sid c:a. 2'1) 90021

Address .l.J.,l,;t..!!V.t:!!..Qt;ld lk>ple'V&rd

i~lep~one (3201 ~ 78-18.)5 .' _ _ Fa• .i.32JI 84 1-9378 E·mall nSjl!Men.!@aQl. c!3I!!
RnJ Estlle erOker (lAti~ Fimt) A!ldveU Bfllk.r
By 08.
AOdrUI
- City an ZiF
'T<tltlpllone FIX E-mail
fSCRcm HOLDER ACKNOWLS>Gr.EN'T:

Esaow Holde!r ICI<nO ... IeCl~S rt(lejpt o! II Copy 011h~ Agre_l1t. (If c:IIedced, 0 I deposit In tNl IIrneUl'll 0# S _ I,
counler plfwr nU'l'be1S _ IIn1l
. end I19I'U$ to .ct as E=ow Ho~f IUbjed. to pal1lgraph 28 at thi5 A9r"rnenl. wtY
!upPlemOntll <tsrn:- 1~'lrvdIQn6 Clnet the ''''''''''' of EIC/OW Holder's ~nerli pfOYr:5ion5,
Escrow Hc~r 1& lovl5ed !hili tile ~te 01 ::;onfHl,liIlion of ACX»PtlIIlal d the Agre.mem IlS betWeen Buyer.nd S.u... II
E&c:n:IW HolOer _ I:a~.
By -" ~
Adareas ..
Phon~I"a>tIE-ml'i1 _ _
Ut:TD'H l'\o~r lGo l>Cen:.ed ~ lhe Cah10mia ee"IIf1meTll 01 0 Cor~oral1cnl.D Inwr.nce,D Rhl E:s~te, Lx:elle •
1_ _ : - _) REJECTION OF OFFER: No COunr-r chi' it tl.lIIg rNId~. This otlllr wall revMWQCI Ind re/ec»d by seIw on,
(SellIN's Inlti<lb)
- ro.IO/
THIS HIRM "lAS BEEN APP~OViD En' TH\: CALlFO""lIl A.~~OClAnoN OF ~ TOR.SIl (e .A,Fl.l. NO I'l~PIl£$ENTAnON IS MA05 AS TO 'TliI L&CJoO.l VAlIDITY 0"
.. O[;OUACY OF ANY Pf\OVISI~ IN ANY SP£CIF,e 'T'PlANSACTIOH '" REAl IOST....TE BRO'(EIIl IS nil /'FilliON QUA~r"n) TO AOVlSi OH REAL ES1.-.Tf
Tl;AN$ACTIOKS, IF yOU 1'lF:,;,r<!Z LEGAL e'l TM ADVICE. CON3V~T AN ~1O'IoP~IATI PROFESSIONAl.,
Th. (am Ie ~"tillblc *"
u" by
1'lIlnIIl't ~ ubI", It'IlluAtI'f ~"rtC' ....
1IOell1O odCIIlIt1~. UM'r e. I A,£AL. T'~ REAL-TORe is I reg~ COII1iCl1"~':> InIIt
._-
,,,,,,,,,n IlIOy b. uwd only b'f Ml!rt'Vl'n rI. ..... Iol.l nofllALl\.SSOCIA nON OF REAl.'1'OftSa wno S<;l>SCI;~ 10 1\1, Coo. of E_ _
CSLRE1~ Pu&b&/loll by Ih. (;)

~,,~ Callfomla AAoclllnon 01 REAL T<::lRSe lG=:~.~"~_~~a~by2:..:=====-.:DeIe~:.....:====:J _-.
RPA.CA REVlseD '0I02lPAGE 8 OF /I)
e.-.LIFORNIA AESIOeNTtAL PURCHASE AGReEMENT (RI'A.cA PAGE I OF I' TlQ'9130.7F"C
709 / 745
Court File: "Volume IV Continued" II
1e/22/2~~4
~~~, CI:
15:42
vUL~LL ~AN~R;
~e7531 :310 271
~
"8~;

E~P.22.'" 3:57FlMj
PAGE 12
PAGE 10/15
~~
Cl'.lII'ORNr,-.
As~(lCIi\TlON
OF FLEA L TO R..S· a
(C.A.R. l'onn BIA. RWlsect 10102)
Propeny Address: 320 S. Pe<>-t l)r~_. Bc:!'E'ly H:Ulc, CA 902Z2

-------- ("Property ).
A. IMPORTANCE OF PROPE~TY INVESTIGATION; The phYSICal condition of me land and Improvements being purcnasea IS not
guaranteed by either Seller or orokers. For this rea lIOn, you should condUct thorough investi~lion. of the Property ~Ily and will1
professional£> wno should provide written r\'!Ports of Iherr In\lestigalJons. A general physlQll iIlspectioJ'l typlcally does no! cover.1 aspects
of The Property nor Items affecting the Property ltllll are nol pl'l)'llicafty Icx:eted on the Property. If the prcfessionals I1lcollul'lef1d furtner
lnves~lfatJons. ,ndudlnO a re=mmen<1atlon by a pest control oper81or to inspect i~$sibll! are.~ of ~ Property, you ~hoOJld contact
qu.lifll~d e:otperts to conduct sudl addition" inve:s\JgeltOn$.
B. BUYER RIGHTS AND DUTIES: You havll an Ilffirrnar/ve Cut)' to elC8rdse reasonable cere to pl'oled yo",... tf. tlcWding dboovery of
the ~gal. pr8CllC')I and tee.'ni~1 ImplicatIOns of disclosed 'ads. and the inyostlg2ltion gild verillcellon of InforTTliltion and htcts Itwt you
know or that ilre witJ'lin YOlJr diligent attention and obWl""ation. Thtr purd1eae egrftmertt gives YtJU the right to ~,tigate the Property. If
you eXllrci:se this ri9hL .."d you should. you must do SO in 8CQOl'ClarlCe with the telTTl5 of ttIal il9'eement. ~ Is the ~t w.y for you to
pratect yourself. II is extremely important tor you to read cdl wrllten repor1S provided by professjonals al'd to diseuU me results of
inGPectioO$ WIth the profesSIOOaI who conducted the IN;peClion. You have Ihe right \'Q reqlJe$tlhat Seier make repai~, corrections or
1.\(11 otner "d,on balled llPon items discovered in your investigations or ditclosed by Seller. tf seller is unwillll'lg or uneble 10 satisfy your .
reaueS1S,. or you do not WOlnt to purchast- the FOropllrty in its ol!lao5ed 8nd di&CO¥ered amditlon. you have the Tlghl to cancel !he
agreement it you act within &PeCific timt ~riolU. If you do not cancel the agrHrnert In II timely ilnet proper manner. you may be In
~ofcont.-d
C. SEL.LER R/GI-rrS AND CUTIES: S4!11er is l'8Cluired to disclo"~ to you malerial r.c:ts
known tr:l himmer that affect the value or
deslr~bJIity of 11M! Property. However, Seller may nol be I1WOlre of &ome Property clefeCb Dt' cond1tlons. s.".r Ooes not ~ an obligatIOn
to ins~et the property for your benefit nor is Seller obligalQd 10 repair. correct or otherwise cure known defect; that a~ disclOSed 10 you
or prevlou$ly unknown defect. that are disa:Mlnld by you or your lT1Speaors dunng KCTOW. The pUl'd1ase egreement obligateS Seller to
make the Pro~ available to you for imles~QQtion&.
O. BROKER OSlIGA.TIONS: BrokenJ 00· not have ~rti8. In a' areas .na 'theretore cannot advl&e you on many nem., lI\1Cl1 •• lOiI
stability. geolOgic or "",,IrOnmenl.lll conditions, hazardoua or lIIegal controllM1 BUb8tances. SU\&dUIlII condition. of the foundatlon Ol' 0ltI«
im!>'ovemem! or ItIv conditlOo of lht roef, plumbing. h~Q. 8Y condlI~ e~. -.r. ~. weate dlapoul. Of other ~yswm.
Tt'le only way to llcourately d4ltermina In• .conaitlon of the Property is through an IMped/on by en appropri"l~ ~Ional MIe<lted by
you. If Broker gl'ieS you rete".... 10 lIuttl profesaonals. Broker Cfoell not gUll,.nt" their performllnce. You may Hied aTPi proteulonal
of your ctlOOSIf!il In UIeS Invollllng residential clwtIllingl wth no mora than four unltl, Bro~erw h _ II duty tel make • diligent visual
insPeCtion of the .cce,.lbIlt areas at the Property end to dllclo&e the results of tllllt ~Ion. However. " $orne Prcpetty dQ'lIet5 or
conditiOns may not be discovereble from. visual inspection, II • poa&lble Brt*eft are not IIW~ Of them. If you nave .... t.red infO a
wrttten agreement with 8 Broker, I~ spedfie lerml of tllll1 agreement will de\.ennine the nstu~ and EXtent of that Broker's clJty to ycu.
YOU ARE STRONGLY ,,-OVlSEO,O INVESTIGATE "HE CONDITION AND sunABILtn' OF Au.. ASPECT'S Of THE PROPERTY. IF
you DO NOT CO SO, YOU AR! ACTING AGAINST THE ACVlCE OF &ROKERS.
E. YOU A.RE AOvtSED TO CONDUCT INVESTlGATIONS.oF THE ENTIRE PROPERTY, INCLUOING, BUT NOT LIMITED TO THE
FOL.LOWING:
1. GENERAL CONDITION OF THE: PROPERTY, IT8 SYSTEMS AND COMPONENTS: Foul'dation. roof. plumbing, IlHtlng, ell'
conditioning. electrical. ",.ctlenql, s.eeurlly. pool/spa, other struetur.ll and non-Jl1\Ictural sysie",- and components. fixtures,
bUln-in eppqnces, any pe~nal property included It'l tha 581e. and el'lergy ~1'lCY ot the Property. (Structurel engineers are beat
suited to detllrmine po~le design or COr1struetion defecta, end whither impro~ are strUtturally .aund.)
2. SQUARE FOOTAGE, AGE. BOUNDARlfS: SqUilre 1tlotapfl, roQI1I dlmen~ons. lot size. age of improv.merrt& and boundarieS- ArTy
nlJ!Tleric8\ ttatementr. regarding th.se Rllrns are APPROXIMA nONS ON\.'f end have not. betl"l verified by SeIter and cannot be
Ylrrifled by BroIte~· Fences. hedgeS. wallc, retaining walls Wid other natural or constructed ~"~ or ma,qrs do not ne<»IUrily
ioef'tlfy INIP Propeny boundaries. (Professionals such as apprelSera. erchilects, r.UlV~ .nc1 cMl engineer. are be5t sulte<l 10
delerrnne lSQU•• footolge. dimen5ions and bounl»rte5 of Ihl Property.)
3. WOOD DE~OYING PESTS: Prell~ at. or conditions 1Ilte1y to Iliad to the pl'eSClrlCle of WOOd destroying pem and orgenisrns
and other mfest8hon or infection. lnspeClIOn reports covering these lIerTl$ can be sep8rale<l InfO two section.: Seaion 1 iOenlifles
areas wnerc InfesustlOl1 or infection is eviOent. SectiOll 2 identiflas «a6 Wher. ltlere .re conditions likely to lead to infestation or
infection. A reglstered stru<:!Ur., pest control company is best suited to per1cn'n tl'lese inspedionl.
The copyr9ht 1_' of tn. Ur1l1ed ~ (Tlie I T U.S. Code) f\:lrtlid ttlI
"n'\J\hor~e<l '1>prodl>CtiQn ~ l'\lI. ~""'. or any ~ \I'le'aof. ~ pn~ Buy.r'. Inlie. (
7$ )< )
"""Gil,,,. 0' bnv o~r "",,0,... inGluct"'9 facamile 0' ~ennd lor"'.....
Gl
--
Selle". I"iiaill ( ) ( - - --,
copyri!lm C 1~1·2ao2. CAUFDRNI,a. ASSOCIATION OF REALT~. I
INC. ALL RIGHTS ReSERVED
BIA REVISED 10/(12 (pAGE 1 OF 2)
~hOtw'" by . Dele
.....
,..,.
BUYER'S INSPECTION ADVISORY (BlA PAGE 1 OF 2
Ag.ne N,vle S,m'.n "'hOlM: (310l<'711835 ~u.: r~10)
Prtpenad ualng W1"1FarmR> ~ofl"'''
B'OkK Glll"n" .. Griffin ~NItDr$ 1333 Westwood !IV'll.. • Los Anll.... CA PIlO~
710 / 745
Court File: "Volume IV Continued" [2-
IB/22/2BEl4
_ ••
15: 42
"",,,,,,_ ••nf"'~t.
3.07531
L,)·''''lIlilt\.c:;n j
310 271 4634;
MARA E~ PAGE 13
SEP'Z2-04 3:57P..; PAGE "/15
Property AQdress: .120 S p~cx D.c... .,., l!I",ver.1y /f.i.U" , Q\ 90212 Dtte: S.,l;..".r f. ~OQ'
4. SOIL STABIUTY: EJclste~ of flW or cornpaCled soi. expansive or contr3ClJng loll. IUSCQptibillty to lJippage, settling Of IT'lOYem.ent.
.md the adequacy of drainage. (Geotechnical engineers lire besI suited to determine SUCI'I a:mdilions, <:auses.nd remedil:c.)
5, ROOF: Present COndIOOr>. age. leeks, Olnd remaining L1Sef\.Il life. (ROOfi~ contractors ltI"e best suited to determine these CXll'lditionS.)
6. POOLJSPA: Cracks. I"ales or o~rational p~ms. (Pool contradors are best Sl.Mted to determone these conditions.)
1. WAsTe DISPOSAL: Type. $lZe, 9dequOiCY. capacity lind conciiUon uf se-.~' lind 6~ :;~·!'tems ana ~~_~ r--;nOlection to
~ewer. llnd llppllCable kl"".
8. WATER AND UTIUTES; WELL SYSTEMS AND COMPONENiS: Water and ullfity ...,ailabirtty. use restric:tJO!'\$ and Wllter ccms.
qullJity. aCleQutlC;Y. condillon. and performance of well sysuems omd corn;>onents.
9. ENVIRONMENTAl HAZARDS: Po~nlial environmental h22erds. including, bl.Il net limlled le. asbeStos. le.d-based paiflt and oll\el'
lead cont.aminello n , radon. mert\a~. otn.r gaGer.. fuel 011 or et1emica\ stofa9t tal\k$. eornammaad S(lil 01' WIller, haZardous waste.
WilsIe cllsposlll siles. eleClromllgnetlc fletClS. nudear souras. and other 6Ubll1ances. m.wriilil. Produe:ts. or a:>ndition5 (incllJdll'lQ
mold (alrt>OmlI. tClX'C or otrlerwlse}. funglJS or r.imn.r contamll'\81'lts). (For more mformatiOl'l on theac Item&, you may consult Bn
appropriate profeSSional or read Ihe booklm "Envi~ntal Houardl: A Guice for Homeowners. Buy~ Landlords end Terl8nis:
'"Profect Your Fsl'T1lly From Laad in Your l-4ome" or battI.)
10. EARTHQUAKES AND FLOODtNG: Susceptibility of the Property liO earthquekaJHisn-ic ha%8rdsand proF*'fily of ~ Prcperty 10
flood. (A GE-ologist Or Geotechni<;Q1 Engi~r Is best sUited to prOVide Information on these oonditlons.)
'1. FIRE., HAZARD AND OiHER INSURANCE: The availability end coss of necessary or desired in9UlWlOt nvy Wiry. The location 0(
the Property in a sei$mc. flood or fire l\azard zone, snd other conditions, such as the age ot 1M Property and the ctaimI hlstl:lry of
the Property Jnd Buyer. may :Ilflec\ \he availability a1'Id need for cemlm types of insurance. Buyer ahould e'lQ)I~ in.ura~ op\~
early '$ this informetion mIlY affeC1 O1her decisions. including the removal 01 lOan and inSpedion conti~nciH. (M insurance eger"lt
is best .uMd to provide Informa1ion on these cond~ions.)
12. BUILDING PERMITS, zDN1NG AND GOVERNMENTAL RfQUIREMENTS: PermiU. Int;peclions. O!lft'fIcatea. zoning, otl'ler
governmental hrTlitatlOns. ~lriQiol'l$. and requlremenlG affecIJng the current or future use .eA the ~reperty, iU development Of siZe.
(Such informatiOn is (fvailable from appropnate govemmen1ill agencies anc;j private ,"formanon pl"OVIdera. Brokers .,. not QuaIif'ed to
~vlew or ln~rpret any such information.)
13. RENTAl PROPERTY RESTRICTIONS: Some c:itie5 end oounllea impose restriclloOl lt1at limit the amount of rent tNIt CIIn be
ch.r,,~, the ma~imum number of oec~ntl: end the rignl of II landlord to terminate a tenancy, DelldbOll or 01het.1OCk* and lJlI'!IJUrity
svsterns ftIr doo~ line wradO'lltS. inCluding window ~, 5hoI.td be elfoarn'lMcl to determine Wtletner "'-Y ..tilly legal reQUirements.
(Government llgenoe& can prOVIde information abcur these restT'lClionS and other requiremem..)
104. SECURITY AND SAFETY: State lind Ioc:8I L_ mey require the Installation of barriell. access a~ selt-tatchlng rMdleniams
end/or other measurea to decrease thQ risk lQ children and ottler per$Ol'lS of existillll swimmIng pooll and hot tubs... _II as veriol.w
fire sal~ and othef measures concerning oCher features of the Property: Compj~ance reQUirementS differ from city·to cItY and ~
to county. Unlf!f;S lpecHically aoreed. the P~ may not ~ in compllenca with these reQulremenlS. (Local government agellClel
can Pl'OIIide k'lform;ltlClfl abOut ltle.. retrtrietiDli$ and otiler "'Guirem.nts.) :' "(.•-
15. NEIGHBORHOOD, AREA. SUBDIVISION CONDmONS; PERSONAl FACTORS: NeighbomoocJ Of area cond~ion" including
5d'Ioois. proximity end ao.quecy of 19W er'l'fon;emen\, cnme stBtr.ltiel, Itle prox.mty olrwgiatered felons Dr off~W5. fire pro~on,
tltt\er gO'nmment 1efV1C8S. ,vai1eblrrty. aoeQuacy and cost af 8rly ~. w;releu Internet CQrll'leC2iorcs or ether
ffol.communiealJOnl or ether technology aervle- and ITmallatiClna, proximity ~ comm... cial. indu5tiU1 or aglicultlJrW ec:t....hlea.
exisllng and propo~ tnllnaportetlon. conalruction and deYetopment tl'lat may affect noise. view, or uamc. aJrpon nQee. noiec or gOer
from lIIny SOU/Oll. w~d oIInd eomeatie animals. other nuiaBncea, haUlrds, or ciroumstances, pro~ spec!u•. wetland propertieS,
botaniCllI disealles. hkto~ or other ~mrnel'lUllly Clfotected liites or improllemems. cemeteries. facilities and condition of common
areas of common tnl_e51 &ubcll\/lsions. lilnd pOtisi~ lack of compliance with any gO'Yl:ming docurr»nts cor Morneowne'" Association
reQuirements. conditions .nd Influences of signiflCJlr'lCe to certain cultures ·andJor religiOns. llnd pe~aJ needs,. requremer'lts and
prefenlln0e5 of8uyer.
Buyer .nd S.11t< .Cllnowledqe .nd ~ ttllll Broker. II) DoH not deCIde whet prICe Buyer ."ould pal' or seller .1IOU1d a~ (il) Does not
gu.... 1'lee the ccndition of tNt p~; (iiI) Ooa IIat guanntae tile perlonnlnc:e. ad.OUJICl/ 01' compIetenea 01 inspeCliCnl . .-vIceS, proch-=- 01'
re!l'irs prll'flded Of made OY Sellltr or others; IAi) $1\,11 no( be "$pOnsible for taenfllyl/19 Clefeetl ~ IT1I oot known Ul 8rolW am 1_) .,. !'lOt visually
oDServlble In r... onlbly oaaaaible ,,.115 of tile P,operty; fbI are ., common a~.: or Ito) .~ off the IIW of the ProcMIJty; (v) Sha. not ~
...po~1I ioT mlpea;ng Pul1ltC _ Of l)em"llla c:oncerning trW ~ or u.- of PI'OPeIty: (vi) Sh8. not btl ~ tor identlt1iflSl1h8 ~hoft of
llOUfldary W/lft or Oltler I1!:rM . ~ tIlIe: \Vll1 S~ not be ~l'lSible tor ~il1Q IClUM1l footage, 1'C;l~ Of oU.T1I Ilf inIom.tlOn
contau'led In tnvulIQ8bOn ,.ponc. r.tu.~ Listi"ll Servic». .cv.rtJserT1lll1ls. Ilyws or Diller prgmollon,l mlltartat. IvIIl) S"" not be ~ fgr
providlnll Iegl' or . . 1<Mce Tellring lOY aapea d 1 nncXlICn Itnlllred illlO by !lY)'er or s.toer; Ille IQ:) SttaQ IICll M Mfl:lOftlibill tor llnlYidinV
oth.r IdYice or II'lforrnalio" 1h1l e~CItel's tfle ItnDWllldO'. ed~caljgn ;nll."~ requtn!ld to penonn raaJ ~. flC8l'l&ed aet1Y1Iy. El~/ and SeN!'
agru to ueI< IegOll till. ins~r1Inee, title ."d oth.r llel"-Cl ltoS'-!8ncr flom IlllPfQplil'te profusion••.
~ algninp below, Suyer and S.nor each acknow\eodge that tN)' have read. undeBtaIld, ;M;.Upt end han ff'<:eiv.cf a Copy of
\his PJ:tvjf/ory. Buyef1!i enc:o~ tg r88d It ~Iy.
Buyer Signature Dete
Seller SignaTu·r-e--- Date Seller Slgnatu~ Date

J08~ BerniJ:
THIS FOR'" loI4$ BEEN A.I"~ROVEO BY THe ('.~L.IFOfl_ A!SOClATlON 0' REAL TeRSe (C.A.~) NO REPRESEHT,ITION IS MADa AS TO TH; LEGAL V,oOJJDITY Cl't
AD!OUAcY OF ANY ~OvtilOl'l 'N AW'f SPEC1~1C nv,NSACTJOIol. A REAl. EST"TIi mOKER IS THe. PERSOfoi QUoAlJI"ICC TO ADVISE OH ~ en"1li
TI'\A1oISACTroHS.I~YOU C!~I\E lEGIU ~ T,o.)( ADVICIi. C~SULT Nl APPROF'lliAn PROFESSIONAl.
Th,. ~ I:l .v.,"bIt tot 4IM :1'1 till ... ~,.. .... '1I1al"
inous\"y. " IS ~ " , _ II Iae~ 11\1 a•• "u., TORe. /\£A~ TOR. II • ~recs CXlteCa- ~.-up miff
""'oc:h ~ "_0/11) II>" ... rr.Il8fl,"'''' NATlCl+I."IL "SS~"OtI Of REALTOR5It wtm au~e.1lI ns Coode CIIllrloCl Gl
•
~.:JU"tl:
,,..~ iQ~~."
• •• P<.Cli1llle<l tly l1'Ie
C$l1~m.. ""01:.-1;00 of REA!."ORS13:

BIA lU.V1S.0 10102 (PAGE 2 Of 7)
j ReVl-.d II)' C»II!
~-_.:...:===..;......;..===-
I
-
__
=
SliVER'S INSP'eCTIoN .ADVISORY (lIMA PAGE' 0'" 2)
711 / 745
I~
10/22/2684 15:42 .587531
V'V ~II ~O~;
Iw'MAA SEP-22,04 3:09Pijj
PAGE 14
PAGE 12/15
i~
CtlLTrOI\.NI/\
WOOD DESTROYING PE'ST INSPECTION AND
,,"SSOC1ATtON
Of R!'.I'l t.TO A. S •
ALLOCATfON OF COST ADDENDUM
(CA.R. Form WP/4, ~lMd '0102\
~
Tnls IS an Mdendum 10 the !ill Calrtomie Residential Purchase Agreement or 0 ertler _~ _
_ . . ("Agreementj. dated S~E'tembfr i, 2004
on property known ~s 320 oS. PeCK Or.i ve, Be-rerlr HillS, CA 90212
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ("Property").
betw~n _ Nj t i II> SliJlLl1~n rBuyer")
and _ --=J.=o=.:s=ep.h Zerrdk ("Seller").
THE FOUOWING SHALL REPLACE THE WJOD DESTROYING PEST INSPECTION PARAGRAPH (4A in the Callfomra
Residenti.1 Purchase Agreement (RPA-CA)) and s~1I supersede any conflicting ~rms In any previously-{ltlnerated
agreement

A. 0 Buyer Qii seller &hall pay for a Pest ContrOl Report for wood destroying pests and organiSmS only ('Report").
The R~port s~1I be p~par~d by Sftllep chooioe . Cl registlM"ed stNdurei pest
control company, who shan separate ttle Report into sections for evident Infestation or infection (section 1) and for
conditions likely to lead to infestation or infection (Section 2). The Report shall cover the main building and atf8ched
structure! Bnd. if checked: ~ det;lChed garaQe$ and carpol1$, 0 detiiJc:oed decks, 0 the following other ~tructures
on the Property: _ _ . _
The Report shall not indude Ttl!)f covering5. If the Property is a unit. in II condOminium or other common IntereSt
subdiviSIon. the Rapo" shall ncIude only the 6e~rate Interest 8"d eny exclusive-use areas being tranSferred, ana
shall not include common ereas. water tests of shower pans on upper level units may not be performed unl~$ the
owners of property below the shower consent. If Buyer requests inspection of inaccessible areas, Buyershall pay for
tn. cost of entry, inapeetiOn and clOSing tor those areas. unless otherwise agraed. A writbm Pest Caltrtll Certirteation
shall be tssued pnol" to Close Of Escrow, unless oltlerwise agreed. only If no infestation or Infection Is found or If
required cooecti". wor1I. 1& completed. ',. - .;.. :
B. (Section 1) 0 Buyer Cll Seller shall pay 101' work recommended to correct "Section l' condition. described in the
Report and the CO!lt of inspection. efltry and closing of rhose inaccessible areas Where ~etl\/e infeStation 'Or inl'ec:tlon
i$ dlsCOYerea. -.'':'
(S.ction 2) [! Buyer 0 Seller shall pay for wane.
recommended to correct 'Section 2' condltioot deSCribed In the
Report if reQuested by Buyer.
B~ signing belOW, ttl. lJnoe"igned acknow~gltthat •• ch ha5 read, undltrBtandll and ha. ,.ceived • copy of ttl.
Addendum. .
Dllte s!Pt-mber .(, 200'
:::op:;l::e20~ Seller
N.l. Of S....... n J-=-o-.-e;p.h--::--:z=-~--·.1..,..,k~-------------
Buyer _ _ ..__ Seller _
T~ U1C¥rlqhl _
nOllAln9 '-<;si.... or ,;:>n·PJl!!/l4"'; 10''''''' ~r'Ol'Il ~ 2002, c;.o,~OR~LII"'SSOCJAnoN OF ~EAL. TOf\Slt. INC AU. RIGHTS 1'IE:6ERVED
Dr"" _, ___
cttl"4 ur ..... sa.. ,,. 17 IJ.5. C_iiultlCllt'le......".,..rind ~proQuCtiOnt;fftaIomt. 01 Vty ponion t"!!"<lf. bf ~1\OlOaIpp mac:Nne
THIS 'ORM ~ Bt:£H AP'PROVWO BY T~ CAUFQf'.NlA ~OC""TION Of R£A~TOR~ (CAft.). NO R!~fl\lU.noH 1& lAAOE AS TO l)IE I.EOAl. VAUOrTY 0"
AOf:OUACY Of AllY PIlO~IOH IN Af('( sPl!:crnc T""N&AC'nON. " ~ ESTAn. eR.Ol<£ft. 1$ Tl£ P£R.SOH CXUl.l,lFIEO Ttl ~ ON ...£AL ~ATIi
TIV-N£"CTlONS ,~vov O!:S~f LEGAl. OR TA.l.o.DVlCL. CONSULT 1,1>1 APPROFRlAn PROFESSlOtML

Thia jo"" III ",.,"DlI rc- ...4 Il'/ :IW eI'llirl: ...., ..." ... ;-.-y ... nor ....._ ttl _aty f'>I _ . . II REAl.. TO~. "~TORe It • ~'S1H'e<l <o~ Ifle"IIber5lllp - ' "
'"""'h""" be "'"'" 0-." ~. n....,.. ali/Wl NI'.TIONAL ASSOCLA TION ' " IUiALT~wno ~ ID Its CoOl ~ £IrQ.
CstRE~ Publillh-o byTt>e

Calif\:lrra. ,,"Dell.bon Of REAL TO~ [!itRew_l1JI I ~
:.. ...,..."
.. "'''''''''- 0.. ~=
WPI4 RSVIS~C ,ClI02 (PAG£ 1 OF 1)
WOOD DESTROYING PEST INSPECTION AND ALLOCATION OF COST ADDENDUM (WPA PAGE 1 OF 1)
Auent: "';via Sal'Plllan PhoIV: (31 0/4781m Fn~ (310) F'''''P-rea "'ns' W1,,*orrn~ aoftwatI
Broker: Gillenln & G~ R•• 11DrS 133Z W.stwood Btva. • Lee AnQ'llH CA 9OO2A
712 / 745 (L(

10/22/2004
St'~ 12 040 .. :23p

15: 42 •
_3105507531
, ..
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MARA ESCRCJ,.I
• SEP-22-Q4 4:00P .. ;
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713 / 745
({
/..dge I OJ J
..
Subject :
Date
From
To
Cc
.&~, .'11
: ~ Od 2~ 1~:57:O0 .{)700
Linked to: Michael J. Ubow
: Vidor Pam <Victor@PMLoans.com>
: Midlael J. Ubow c:mjlibow@aol.com>
: Nivie Samasn <NSam~ll1@aol.com>
•
Hello Michael. Wanted to let you know that we have the appraisal'review in and it came In at value wi TlC'
conditions. We should be able to get loan docs wittlin the next few days.
Regards,
Victor Parks
Sr. Loan Officer
Padfic Mortgage Consultants
Vietor@PMLoaos,com
310.275.5353 Office
310.496.3256 Fax
~XHIBIT~
FOR Jq,tJ},j'CATlO~
LAURY WASOit
WITNESS:
Bi:. ,",.
U'
aboUl:bJank
\ ~')
J012512006
714 / 745
PROOF OF SERVICE
2 STATE OF CALIFORNIA, COL~TY OF LOS A:\GELES

years and not a party to the within entitled action; my business address is 3JJ South Hope
4 II Street, 48th Floor, Los Angeles, California 90071-1448.
5 liOn July 10, 2007, I served the following document(s) described as PLAI~TIFF'S
OPPOSITION TO DEFE~DANT'S l\IOTION TO EXPUNGE LIS PENDENS;
611 DECLARATIONS OF NIVIE SAl\IAAN, VICTOR PARKS, MARIA :\'lcLAURIN,
GAIL HERSHOWITZ, ALFRED CANINO, JA Y R. STEIN AND MOE
7 II KESHAVARZI IN SUPPORT THEREOF; REQUEST FOR JUDICIAL NOTICE
FILED CONCURRENTLY HEREWITH; OBJECTIONS TO THE
8 II DECLARATION OF JOSEPH ZERNIK on the interested party(ies) in this action by
placing true copies thereof enclosed in scaled envelopes and/or packages addressed as
9 II follows:
10 Robert 1. Shulkin, Esq. Joseph Zernik

1I Coldwell Banker Residential Beverly Hills, California 90212
Brokerage Company
Los AngeIcs, CA 90049-6510
13 Facsimile: (310) 447-1902
robert.shulkin(Zlcamoves.com
14 "
~ BY MAIL: I am ""readily familiar" \vith the firm's practice of collection and

with the u.S. postal service on that same day with postage thereon fully prepaid at
affidavit.
18 ..

20110 BY ELECTRONIC MAIL: I caused to be prepared and sent an email to the party
21
23 Executed on July 10, 2007, at Los Angeles, California.
24
25
Laverna A. Henry
26
27
28
715 / 745
716 / 745
:'\A
FieNe 116748\
DEFINITION OF MARKET VALUE: The most probable pClce which a property shOuld bnng In a competitive and open market
urdec all conditions 'equlslte to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price IS rot
affected by undue stimulus. Implicit in thiS definition IS the consummation of a sale as of a speCified date and t~,e passing of title from
selier to buyer under conditions Whereby: (1) buyer and seller are typically motivated: 12) both parties are wellintormed or well adVIsed,
and each acting In what he conSiders his own best interest, (3) a reasonable lime IS allowed for exposure In the open market. 14) payment
's made In lerms Of cash In U S dollars or In terms of financial arrangements comparable therelO. and (5) the pnce 'epresents the normal
conSideration for the properly sold unaHected by special or creative finanCing or sales corcesslons' granted by anvone associated With the
')ale
•AdjUstments to the comparables must be made for special or creative finanCing or sales concessions No adJustmen.ts are necessary for
those costs which are rormaily paid by sellers as a result of tradition or law In a market area; these costs are readily Identifiable since the
seller pays these costs In Virtually all sales transactIOns Special or creative financing adjustments can be made to the comparable property
by comparisons to finanCing terms oHered by a th"d party institutIOnal lender that IS not already Involved In the property or transaction Any
ad'cstment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amocnt of any
ad,ustment should approXimate the market's reactIon to the finanCing or concessions based on the Appraiser sJudgment
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: The appraisers certification that appears In the appraisal report IS subject to the
follOWing conditions'
1 The appraiser Will not be responsible for matters of a legal nature that affect either the property being appraised or the tille to it The
appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised
on the baSIS of it being under responsible ownership.
Z The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is
Included only 10 assist the reader of the report in Visualizing the property and understanding the appraISer's determination of ItS size
3 The appraiser has examined the available flood maps that are prOVided by the Federal Emergency Management Agency (or other data
sources) and has noted In the appraisal report whether the subject Site is located in an identified SpeCial Flood Hazard Area Because the
appraiser is not a surveyor, he or she makes no guarantees, express or Implied, regarding this detenmination
4 The appraiser will not give testimony or appear in court because he or she made an appraisal of the property In questron, unless speCific
arrangements 10 do so have been made beforehand
5 The appraiser has estimated the value of the land In the cost approach at its highest and best use and the Improvements at their
contributory value These separate valuations of the land and Improvements must not be used In conjunction With any other appraisal and
are Invalid if they are so used
6 The appraiser has noted in the appraisal report any adverse conditions (such as, needed reparrs, depreCiation. the presence of hazardous
wastes. tOXIC substances. etc) observed during the inspection of the subject property or that he or she became aware of dUring the normal
research involved In performing Ihe appraISal Unless otherwise stated in the appraisal report. the appraiser has no KnOWledge of any hidden
or unapparent COnditionS of the property or adverse environmental conditions (inclUding the presence of hazardous wastes, tOXIC
substances, etc ) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no
guarantees or warranties, express or Implied, regarding the condition of the property. The appraiser will not be responSible for any such
conditionS that do exist or for any engineering or testing that might be required to discover whether such condlllOns exist. Because the
appraiser is not an expert in the field of environmental hazards, the appraisal report must not be conSidered as an enwonmental assessment
of the property
'he appraiser obtained the Information, estimates, and opinions that were expressed In the appraisal 'eport from sources that he or she
conSiders to be reliable and believes them to be true and correct The appraiser does not assume responSibility for the accuracy of such
itemS that were furnished by other parnes
8 ~he appraiser will not disclose the contents of the appraisal report except as provided for In the Uniform Standards of Prolesslonal
App'alsal PractICe
9 The appraiser has based his or her appraisal report and valuation conclcSlor for an appraisal that IS sub,ect to satisfactory completIOn
repairs, or alterations on the assumption that completion of the Improvements WIll be performed In a workmanlike manner
10 The appraiser must prOVide his or her pnor wntten consent before the lender/client specified in tre appraisal 'eport can distribute the
oppralsal report lincludlng conclusions about the property value, the appraiser's Idertlty ane profeSSional deSigratlons, arc 'eferences to
dny orofesslcnal appraISal organizations or the firm With which the appraiser IS associated) te aryone other Iran :he borrower, Ihe
mo'tgagee or ItS successors and aSSigns; the mortgage Insurer; consultants: professional appraisal o'ganlzatlcns; any state or federally
app'c\lec f';arc.al rst:tLticn O' ary departmert, agency. or Inst"Umertall\)' cf tre Unlled States r;" a~y stale Ci tre Dls!rrct:f CClumbla
except trat the lenaerlcllert may dlstrtbute the property aescrtptloe sectIOn of the report or:y to data collection or ceportlng se'vlce(s)
Without ravleg to obtain tr,e appraiser s prIOr Written corsent The appraiser's written coesent arc approval must also be obtained before
the aDpralsal cae be conveyed by anyone to the publiC through advertiSing, pcbllc relatIOns, news. sales. or etrer media
Fredaie Mac Form 439 6-93 Page 1 of 2 Cannle Mae Form l004B 6-93
717 / 745
'<A
Fie'<c Ilb"481
APPRAISERS CERTIFICATION: T~e Appraiser certJfies and agrees that
1 I rave researcred the sUDJect market area and have selected a minimum of three recent sales of properties most similar ano proximate
10 the subject p~operty for conSideration In the sales compaflson analysIS and have made a dollar adjustment when appropriate to reflect the
market reaction 10 those Items of significant variation If a Significant Item In a comparable property IS superior to or more favorable than,
tre subject property, I have made a regatlve adjustment to reduce the adjusted sales price of the comparable and, If a Significant Item Ir a
comparable property IS inferior 10 or less favorable than the sub>ect property, I have made a positive ad,ustmenl to Increase the adjusted
sales price of the comparable
Z I have taken InlO conSideration the factors that have an Impact on value in my development of the estimate of market value In the
appraisal report I have rot knOWingly withheld any Significant Information from the appraisal report and I believe to tre besl of mv
krowleoge, that all statemerts arC Infonmatlon In tile appraisal report are true and correct
3 ; stated In the appraisal repert only my own persona/. unbiased, and profeSSional anatysis, opinions and conclUSions WhiCh are subject
only to the contingent and hmlbng cordltions speCified In til,S fonm
4 ; have ro present or prospective Interest In the property that IS the subject to thiS report, and I have no present or prospective personal
Interest Of bias With respect to the participants In the transactIOn, I did not base, either partially or completely, my analySIS andlor the
estimate of market value Ir the appraisal report on the race, color, religion, sex, handicap, familial status, or national orlglr, of elthe' Ire
prcspectlve owne", 0' occupar,ts of Ir,e subjeCI property or of the present owners or occupants of the vopertles IC Ire vlClnIly of Ire
subject property
5 I have no present or contemplated future Interest in the subject property, and neither my current or future employment nor my
compensallon for performing thiS appraisal IS conungent on the apprais€O value of the property,
6 I was not requlfed to report a predetermined value or dlfection in value that favors the cause of the client or any related party,
the amount of Ihe value estimate, the attainment of a specific result, or the occurrence of a subsequent event in order to receive my
compensation and/ol employment for performmg the appraisal, I did not base the appraisal report on a requested minimum valuation, a
specific valuation, or the need to approve a specific mortgage loan
7 I performed this appraisal In conformity with the Uniform Standards of Professional Appraisal Practice that were adopted and
promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place as of the effective date of thiS appraisal,
with the exceptIOn of the departure proviSIOn of those Standards. which does not apply I acknowledge that an estimate of a reasonable
time for exposure In the oper market IS a condillon In the definition of market value and the estimate I developed is consistent With the
marketing time noted in the neighborhood secuon of thiS report unless I have otherwise stated in the reconCiliation sectIOn
8 I have personally inspected the Interior and extenor areas of the subject property and the exterior of all properties listed as comparables
In the appraisal report I further certify that I have noted any apparent or known adverse conditions In the subject Improvements, on the
subject Site, or on any site within the Immediate vicinity of the subject property of which I am aware and have maoe adjustments for these
adverse conditions In my analysis of the property value to the extent that I had market eVidence to support them I have also commented
about the effect of the adverse conditions on the marketability of the subject propeny
9 I personally prepared all conclusions and opinions about the real estate that were set fo'th In the appraisal report If I relied on
Significant professional assistance from any Individual or individuals In the performance of the appraisal or the preparation of the appraisal
report. I have named such mdlvidual(s) and disclosed the specific tasks performed by them In the reconcllialiOn section of thiS appraisal
report I certify that any Individual so named IS qualified to perform the tasks I have not authonzed anyone to make a change to any Item in
the repon therefore if an unauthonzed change IS made to tile appraisal report, I 1'1111 take no responSibility for it
SUPERVISORY APPRAISER'S CERTIFICATION: If a superVisory appraiser signee Ihe appraisal repc r/. re or sre certifies
and agrees that I dlfectly supervise the appraiser who prepared the appraisal report, have reViewed the appraisal repor\' agree With the
statements and conclusions of the appraiser, agree to be bound by the appraiser s certifications numberea 4 through 7 above, and am taking
full responSibility for the appraISal and the appraisal report
ADDRESS OF PROPERTY APPRAISED: ,-,'2,-,0,-,S,--,-P,",ec",k,-,Dr",--"--"B",e-"ve"-r""h,-,H"",\",I1~s,--,,C,,-A"--c-,,,n2,-,1~2 _
APPRAISEtJl '7 SUPERVISORY APPRAISER (only if reqUired)
S:snatLre ~
i\ame \\ iifr'am Rahn
f1L ~,ame PJu~'fer, :VIN~
Signature p ~~~
Cate Sigred -'-10'-"-06"-=-20"'0"'4'-- _ Date Signed ...10",.-"0"'6-"2"'00"'4'-- _
State Ce~:flcatlon • State Ce1lf,caLon #' _
or State License ~ "A"""LO_""5"'2"'5"'-8 _ cr State L,cerse' ~A""(Jj~),,,-O,-,10""0"'1 _
State "'-C'-'A~ .,-- _ State "C.:cA'-- _
Expiration Date of Certification or License: 0" 2005 EXPiration Date af Ce~lfiUllion 0' Ijcense ,,0;:;4.-"2"'00"'6"- _
o O,a [Xl O,d Not ,rspect praD8~y
,\L025258 AGDOiSOI
Freddie Mac Form 439 6-93 Page 2 of 2 Fannie Mae Form 1004B 6-93
718 / 745
TECT PROPERTY PHOTO ADDE;vDL~
Borrowtr: Samaan File" ./8:
Pro~ Address: 320 S. Peck Dr. C...
Cioy: Beverly Hills State: CA £:1£: 90: 12
Lender: Pacific MOI1",,~ Consulunts
FRO:\'T VIEW OF
SCBJECT PROPERTY
A..ppr3lsed Date October 2. :()()..t

AppnllSed \,Iue S 1.-18.000
REAR VIEW OF
SUBJECT PROPERTY
STREET SCE:\E
Properry-
SCienCt'5
719 / 745
Intenor Photos
Borrower: Samaan File '!'- ~~,
f'rop<:rtv Addr<$s: 320 S. Peck Dr C.ue

City· Beverlv Hills Stlte~ ZI£ 90212
Lender PacIfic Mort~ge Consultants
Kitchen
LiVlOg Room
~
,
,
..
. J:'" .
Dr:lIng Reom
Property=
5ciel7:es =-
720 / 745
721 / 745
(" .RABLE PROPERTY PHOTO ADDENDU
r-r -~-------
Borrowtr Samaan File~ 481
~Address: 320 S Peck Dr, Case
Cltv: Beverlv Hills St&te: CA liE.: 902 I~
Leoder: Pacific Mon2a1!e Consultants
CO\-tPARABLE SALE #l
J II :-; \1aple Dr
Beverl' Hills. CA 90210
S,lle Date 09 14 04
Sa,e Pnce S 1.'50.000
':".";"',i,
;'.: .. - ',-' ~-:--" ~,-~-=-j
COMPARABLE SALE #2
247 S Peck Dr
Sale Date: 08 1604
Sale Price, S I .841 ,800
I
r
~il.,-··.;"~s"
I
'~;,.,,-,;,,."~-
.'p ., .
.~_., .-
. ..
,
CO\fPARABLE SALE #3
23:: S Rc.Qc,: D~
Be,erly H%, CA 00210

Sale Date O~ 13 04
Sale ?"ce' S 1,S50,nOn
Properry,=
ScienCES ..=-'
722 / 745
Borrower. Samaan File !' 18i
~Addn:ss: 320 S. Peck Dr. Case~
Cl!i: Beverlv Hills St."e: c... lIE. 90212

~ender: Pacific Mortga~ Consultants
COMPARABLE SALE #4
c15S\lapleDr
Beverly Hills, CA 902\2
Sale Date 0329 04
Sale Pnee S J ,595,000
Properry-:~
Sciences .::~
723 / 745
DECLARAnON OF MARlA McLAURIN
211 I. Maria McLaurin, declare as follows:
3
4/1 1. I am the branch manager for the San Rafael branch of Countrywide
5 II Home Loans, Inc. ("Countrywide"). the branch that processed the loans for which Nivie
6 II Samaan applied to purchase the property at issue in this case (designated as Cuuntrywid~
7 II Joan numbers 81737375 and 81737383). 1 have personal knowledge of all facts set fonh in
8 this declaration. and if called as a witness could and would testify competently thereto.
9
10 2. 1 reviewed Countrywide's records concerning loan numbers 81737375

II II and 81737383. Among other records. I reviewed copies of Countrywide's loan origination
12 II files, including the loan applications. underwriting documents and correspondence
13 II concerning these Joans. The records that I reviewed are maintained in thc ordinary course
14 II of Countrywide's business, created at or near the time of any events in question and stored
15 II in the ordinary course of Countrywide's business.
16
171/ 3. Based on my review of the records associated with these loans, I
18 know the following to be true of my own knowledge.
19
20 4. In mid-October 2004, Countrywide processed loan number 81737375
21 II for Ms. Samaan's purchase of320 S. Peck Drive, in the City of Beverly Hills, California,
22" 90212. The loan was suspended. however. because Countrywide had not yet received a
23 II copy of the fully executed purchase agreement. Attached hereto as Exhibit A is a true and
24 II correct copy of the underwriting condition Ictter issued by Countrywide and setting forth
25 II the basis for suspension of Ms. Samaan's loan. Bascd on the information she provided and
26 " subject to any later arising conditions, Ms. Samaan otherwise qualified for the loans, and if
,
2711 all underwriting and lender conditions were met, including the receipt of a fully executed I
,
I
28 purchase agreement. Countrywide would have processed the loans. i

I
0714319285 2
-1-
D£CLI\RATION OF MARIA Mcf.AIJRIN Ii
724 / 745
5. Countrywide requires a fully executed purchase agreement (signed
211 and initialed on every page where applicable by both buyer and seller) before approving
3 and funding a purchase money loan. A fully executed purchase agreement enables
4 II Countrywide to approve the appraisal of the property prior to approving a loan, because
5 II the Lt:rn1S of the purchase agreement may affect the value of the property. COWltrywidc
6 II will not approve a loan until it has reviewed and approved the appraisal on the property for
7 II which the loan is being obtained.

8
9 II I declare under penalty of pcIjury of the; laws of the State of California that
10 II the foregoing is true and correct and that this Declaration is executed on May -<1, 2007 in
]111 JM 1lf.ful --' Califomia.
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
•?-
DECLARATION OF MARIA McLAURIN
0714319286 2\'02-WE.Sl·j MMK I\4()03202671
725 / 745
SHEPPARD ivlULLIN RICHTER & HAMPTON LLP if II--IED
LOS AXGFLFS :'l'PERIOR COUI,n
2 Including Professional Corporations ! r'j
PHILLIP A. DAVIS, Cal. Bar No. 110430 ,/III 102007 (,I
3 [[ MOE KESHAVARZL Cal. Bar No. 223759
ROBERT MUSSIG, Cal. Bar No. 240369 ,)O~-n! A. Ct'l R'<E, CLERK
4 11333 South Hope Street, 48th Floor ;.~)~.I ~,'~.I~VJ 'fr.l
L..A'~} 'j
~
,''-..
'l~
Los Angeles, Cali fomia 90071-1448 iJY GAR2.":-=:;; V,\RGAS, EPUTY
5 II Telephone: 213-620-1780
Facsunile: 213-620-1398
6
7 II Attornevs for PlaintitI

NIVIE SAMAAN
8

11 FOR THE COUNTY OF LOS ANGELES ~ WEST DISTRICT
12
15 v. PLAINTIFF'S OBJECTIONS TO
THE DECLARATION OF JOSEPH
16 JOSEPH ZERNIK, an individual and ZERNIK
17 Date: July 23, 2007
Defendants. Time: 8:30 a.m.
18 Dept.: r
19 Trial Date: September 7, 2007
20
w.....J 21
. ~.J: TO THE COURT AND ALL PARTIES:
22
~
....~'jI/I
"-
~."
""r~ 23
(0 In his :Motion to Expunge Lis Pendens, defendant Joseph Zemik
f'l'",""'a~ 24
,''''1'''
i A~~
("defendant") relies upon the Declaration of Joseph Zemik. Plaintiff Nivie Samaan
-) 25
." ("plaintiff') hereby object to various portions of the Declaration of Joseph Zernik,
26
described in further detail below.
27
28
726 / 745
- -----.::.h ~ ~_=_==_=_
\\112-WEST lRE\l! -+1103."9322.1 OBJECTI01\S TO ZER?'-iIK DECL.
DECLARATION OF JOSEPH ZERNIK
2
3 PURPORTED EVIDENCE I OBJECTIONS
4 Paragrahh 2: " I am informed and I Hearsay, lacks foundation, lacks
believe t at the Plaintiff and her personal knowledge, and speculative.
5 associate enga~ed in a criminal
conspiracy to efraud Defendant and a
6 government-backed mortgage lender."
7 I Paragraph 2: "[T]he attorney for the

PlaintIff IS trying to run litigation
8 without de~ositions or witnesses takin~
Lacks foundation, lacks personal
knowledge, speculative, and irrelevant.
-1

the stand t rough summary judgment.

9
ParagraKh 3: "I am informed and Hearsay, lacks foundation, lacks
10 believe t at Plaintiff fraudulently personal knowledge, and speculative.
induced me to enter into an agreement to
11 sell my house."
12 "t
Paragragh 3: A]t the time Plaintiff
submItte her of er, on her fax
Hearsay, lacks foundation, lacks
personal knowledge, speculative, and
13 coversheet, she affirmatively reNresented Irrelevant.
that she was representing herse f as a real
14 estate salesperson in this transaction."
15 Paragraph 3: "A true copy of the fax Hearsay, lacks foundation, lacks
coversheet enclosing Samaan's initial person~l k~ow ledge, improper
16 offer is attached hereto as Exhibit B." authentIcatIOn, speculatIve, and
irrelevant.
17
Paragraph 3: "Later, Plaintiff stated Hearsay, lacks foundation, lacks
18 'My apologies if I miss spoke on mr:. personal knowledge, speculative, and
vOicemail messa to you earlier. 'm a Irrelevant.
19 health & Beautbonsultant by t
profession, but ave a Real Estate license
20 and sell a few properties a year. '"
--
21 Paragraph 3: "A true copy of Plaintiffs Hearsay, lacks foundation, lacks
fax coversheet to Libow is attached person~l k~owledge, improper
22 hereto as Exhibit C." authentIcation, speculatIve, and
I irrelevant. I
23 I
f---- !
Paragraph 3: "Then, during her Hearsay, lacks foundation, lacks

24 depOSition, she further recanted her person~l k~owledge, improper I
representation by explainin that she had authentIcatIOn, speculative, and

25 never sold any property at a 1." B irrelevant.
26 Paragraph 5: "[Oln September 7,2004, i Hearsay, lacks foundation, lacks
Plaintiff mformed ibow that "My I personal knowledge, and speculative.
27 lender should be faxing a letter about my I
qualification." I
28 I
727 / 745
Samaan v Zernik (SC087400) I Los Angeles
W02-WEST 1RE\llSuperior Court
-1I1035C)3221 OBJECTIO;,\S TO ZERNIK DECL.
Paragraph 5: "A true CORY of Plaintiffs I Hearsay, lacks foundation, lacks
September 7, 2004 prequallfication letter personal knowledge, improper
2 Iii is attached hereto as Exbibit _." authentication, and speculative.
3 I Paragraph 6: "In reality, Victor Parks, Hearsay, lacks foundation, lacks
i PlaintIffs purported mortgage loan personal knowledge, and speculative.
4 I broker (not her lender) sent a facsimile
I to Libow wherein he claimed that
5 II Plaintiff had been 'pre-qualified to
purchase a $1,700.00 home with
6 ~Oil 0/1 0 financing. '"
11,1
711 Para~raph 6:
"A true copy of Mr. I Hearsay, lacks foundation, lacks--i
Parks fax cover sheet and pre- personal knowledge, improper I
8 I qualification letter is attadied hereto as I authentication, and speculative.

91 Exhibit D."
Paragr-a-ph-6-:-"-In-re-a-lity, Plaintiff never !Hearsay, lacks foun· .
10 III disclosed to me that ParKs was her then I personal knowledge, speculative, and
fiance's cousin." Irrelevant.
11 '"
f---
Paragraph 7: "I later discovered Hearsay, lacks foundation, lacks
12 III through emails sent by Libow, that personal knowledge, speculative, and
certain that certain facsimile Irrelevant.
13 I I transmissions that we believed were sent
to Parks were actually forwarded to
14 III Samaan's facsimile machine."
15 III Paragraph 7: "When Libow discovered1 Hearsay, lacks foundation, lacks

these facts he sent an email to Parks I personal knowledge, speculative, and
16 III wherein he inquired as to why facsimiles Irrelevant.
he was sending to Victor were being re-
17 I I routed to Plaintiffs fax machine."
18 III Paragraph 7: "Parks, however, was Hearsay, lacks foundation, lacks

III never abfe to provide an explanation." personal knowledge, speculative, and
19 Irrelevant.
20 III Paragraph 7: "True copies of two of Hearsay, lacks foundation, lacks
; 1 III Libow's emails where he asked Parks to personal knowledge, improper
~ explain the diverted facsimiles are authentication, and speculative.
;2 ~, coll~c~iv~l'y attached hereto as
- i ExhIbit E.
I I
23 II Paragraph 9: "On September 10, 2004, Hearsay, lacks foundation, lacks I
24 Ii after Pl~llntifr submitteCl the fraudulent

'I
, personal knowledge, and speculative. I

, prequallficatlOn letter, she sent a i i
') ,facsImile to Libow wherein she stated ' I
-.-5 Iii 'I'm leaving out of town for business this I I
26 I Thursday for a week and would finalize I I
I things before I go.'" I '

I I
27 : Paragraph 9: "Later, in a September I Hearsay, lacks foundation. lacks i
28 II :~. 2004 memorandum she sent to ! personal knowledge, and speculative. I
~bow, PI ai nti ff claimed..'l...am leaving ~ J
728 / 745
W02-WEST I RE\ll ..00359322,1
OBJECTIONS TO ZERNIK DECL.
the country for the next week and will
find it impractical to continue
2 I I negotiations and/or meet the terms set-
forth in the C.A.R. Purchase
3 I I Agreement.. .. '"
4111 Paragraph 9: "Samaan also stated 'My Hearsay, lacks foundation, lacks
lender has my loan application, personal knowledge, and speculative.
5 I I financials ana is ready to start on my
verbal. ",
6 If!----- . .
Paragraph 9: "PlamtIff and her Hearsay, lacks foundation, lacks
7 I I potential lender, Countrywide, have been personal knowledge, and speculative.
unable to produce an~ documents that
8 I I substantiate Plainti ft s claims that her
lender already had her loan application
9 Ilion this date."
10 I I Paragraph 9: "True copies of Samaan's Hearsay, lacks foundation, lacks

I
September 10, 2004 and September 13, personal knowledge, improper

11 Iii 2004 facsimiles are collectively attaChed~ ~uthentication, and spec.ulative.
hereto as Exhibit F."
121L ---- _
Paragraph 12: "In other words, Hearsay, lacks foundation, lacks
13 I I PlaintIff confinned that she had received personal knowledge, speculative, and
a fully executed acceptance from me." I misstates the evidence.
I41lt- _
Paragraph 17: "I am informed and Hearsay, lacks foundation, lacks
15 I I believe that [Countrywide's Clues personal knowledge, and speculative.
Analysis Report] was generated by
16 I I Countrywide's internal loan analysis
software."
17 ---------,------,-----,------=-----t-----------,-----
11+-1
Paragraph 17: "The Clues Report of Improper expert testimony, hearsay, and I
18 I I Oct05er 14, 2004, indicated that I misstates the evidence.
Plaintiff's loan application had drawn
19 I I several red flags.'
2011.1 Paragraph 17: "In particular, the Clues /lmproper expert testimony, hearsay, and
') 1 I I Report indi~ate~ that 'Reduced I misstates the evidence.
- documentatlOn IS not allowed on a Non-
Conforming Mega Loan .... The max
I
22 II loan amount is $-1,000,00 on Non-Conf

. ARM Fixed Period ... ' In other \vords, I
23 1:1 PlaintifT had applied for the wrong type ! I
24 rfloan." . i . :
2') I Paragraph 17: "She applIed for a loan I Improper expert testImony, hearsay, and I
- baseo on reduced documentation, but she misstates the evidence.
i I !
" excec;ded the maximum a~ou~t
I I I
k-6 1:1 permItted for such an applIcatIon. . ~

"7 I I Therefore, ~laintiffs loan application was!
- completely Improper."
!
28 I~ Paragraph 17: "I am informed and : Improper expert testimony, hearsay, ----.J
729 / 745
Court File: "Volume IV Continued" -.4-
W02-WESTIRE\1141111359322.1
Samaan v Zernik (SC087400) Los Angeles Superior Court OBJECTIONS TO ZERNIK DECL.
believe that after October 14, 2004, !lacks foundation, lacks personal I
Plaintiff never resubmitted a loan I knowledge, and speculative.
2 Iii application and, therefore, she was
inca-.rable of bem p approved for a loan
3 I I by Countrywide.'
4 I,'I Paragraph 18: "The Clues Report also I~proper expert. testimony, hearsay, and
indicated that Plaintiff did not nave the 6 I mIsstates the eVIdence.
5 I~I months of reserves required lor the loan
she applied for."
I
6 (',I Paragraph 18 : "As a resuI

to f ' .f
Piamti l
fs Improper '
expert testImony, hearsa , ---1
7 I improper loan application and her lack of I misstates the evidence, lacks foundation,
adequate reserves, the Clues Report lacks personal knowledge, and
8 I I made a REFER determination, rather speculative.
than approving the loan for Plaintiff."
"In that letter, the du l~
gill Paragraph 19 : y .
Hearsay, mIsstates
I th '
e eVIdence.
10 I I assigned underwriter, Diane Frazier,
indicated that Plaintiff need to resubmit
11 I I valid Uniform Loan Applications, Form
1003, with the correct mterest rate
12 I I applied to the loan and following true
ana correct loan program guidelmes."
13 "'
,Paragraph 19: "In other words, I Improper expert testimony hearsay,
14 Plaintlff was required to submit a new
11,1 ' misstates the evidence, lacks foundation,
valid loan application based on an lacks personal knowledge, and
15 III increased interest rate of. 750% for her speculative.
reduced because her application was
16 I I more risky for Countrywide because it
was based on reduced documentation."
17 1,H-'1 _+__
Paragraph 20: "Plaintiff ... made Hearsay, lacks foundation, lacks

18 I I several material misrepresentations in personaf knowledge, speculative, and
connection with her loan application, misstates the evidence.
19 "' which also caused her to meet resistance
when she was purportedly tried to obtain
20 I I a purchase money loan for the Property. "
21 IlfParagraph 20: "rO]n Plaintiffs loan I' Hearsay, lacks foundation, lacks
application she indicated that she was
'[ personal knowledge, speculative, and
22 1 unmarried, even though she was actually
I, I misstates the evidence.
married in September 2004."
I
23 '
I
I '
f Paragraph 20: "Plaintiff ... indicated I Hearsay, lacks foundation, lacks

24 on her loan application that she was self- I' personal knowledge, speculative, and
'5 1'1 employed ana received no other income, misstates the evidence.
~ I despite the fact that she also claims to be !
'6 a cosmetic saleswoman at Barney's
1'1 I'
..:. Department Store.. "

I I
I ,
27 Ii Paragraph 20: IlPlaintiff indicated that I Hearsay, lacks foundation, la~ks I,
she had oeen at her job (tresumably the

'1 I personal knowledge, speculatIve, and I
28 self-employed one) for t e past four
1
~
730 / 745
\V02-Los
Samaan v Zernik (SC087400) WEST 1RE\11Superior
Angeles 400359322,1
Court OBJECTIONS TO 7ERNIK DECL.
years even though her corporation was misstates the evidence. l
2 fonned only a year earlier." I
Paragraph 20: "Plaintiff also, among . Hearsay, lacks foundation, lacks I
3 ~I other things, misrepresented that her personal knowledge, speculative, a.nd I !

main asset was Spellbound COlporation, misstates the evidence.
4 "I which she valued at $500,000." L
5 I Paragraph 20: "The documents I Improper expert testimony, hearsay, and
i Qroduced by Countrywide indicate that misstates the evidence.
6 I Countrywide asked her for a copy of
I
Spellbound Corporation's FinancIal

7 I I Statement, but those same documents
also indicate that she never produced
8 III such a statement.."
9 III Paragraph 21: "Indeed, even as late asl~earsay, lacks foundation, lacks
Octooer 19, 2004, after I had already personal knowledge, speculative, and
10 III issued the Notice to Perfonn on October misstates the evidence.
18, 2004, Plaintiffs mortgage broker
11 I I sent an email to Libow wherein he stated
'I've infonned her [Samaan] that
12 I I although the loan is approved ... '"
13 III Paragraph 22: "In reality, Plaintiffs -I Improper expert testimony hearsay, I
I
loan nad not been approved on that date, misstates the evidence, lacks foundation,
14 III which is shown from that fact that on lacks personal knowledge, and
_ October 25, 2004, McLaurin issued a speculative.
1) I I referral of Plaintiffs loan application to
the Division Underwriting Support -
16 III Demetrio Gadi - for an exceptIOn
request."
171IJr-_
Paragraph 22: "In the exception Hearsay, misstates the evidence.
18 ~I req.1Jest Plaintiffs income is nandwritten
"I as :1)33,333 per month or $400,000 per
19 II year. ."
20 III Paragraph 22: "However, in the Improper expert testimony hearsay,

'1 Exception Request report prepared by misstates the evidence, lacks foundation,
21 1I Gadi, there is a notation written by lacks pefsonal knowledge, and
/ I I Kristin Ortin that "Borrower's Incom~ speculatIve.
2.;. Should Be $33,333 not 5333,333, whIch
suggest that when McLaurin submitted
23 III the exception request she did so on the
'1 false basis.that Plaintiff had an income of I
24 1i 54,000,000 per year as opposed to
, 5400,000 (a large amount under either I
25 Iii scenario for a cosmetics saleswoman)." I

I
26 Paragraph 22: "True copies of I Improper expert testimony hearsay,

27 McLaurin's Exception Request Form and I misstates the evidence, lacks foundation,
Gadi placed various conditions on I lacks personal knowledge, improper I
/8 Samaan's loan approval, none of \vhich i authentication, and speculative. JI

L were disclosed to me until I began to J _
731 / 745
wr)2-WEST lRE\11 400359322 1
Samaan v Zernik (SC087400) Los Angeles Superior Court OBJECTI01'<S TO ZERNIK DECL.
conduct discover¥. in the instant 1
litigation. Ex. N. ' I
21! Paragraph 23: "In the notations on the I Hearsay, misstates the evidence.
3 II Exception Request fonn, Gadi added,
. among others, the following conditions
4 ~I to Plamtiffs loan: (1) The aading .75%
interest to the loan, as had been
5 I I previously been determined by the
underwriter who wrote the October 14,
61,12004 Underwriting Decision Letter,
1
(2) Plaintiff was to submit new and valid

7 Iii loan applications (form 1003),
(3) Samaan would have to abide by the
8 I I conditions and decisions previously
stipulated by the October 14, 2004
9 III Underwriting Decision Letter,
(4) McLaurin was instructed to issue
10 I I non-delegated mortgage insurance at a
cost to the Countrywide branch and to
11 I I issue a certificate to the file prior to
funding. "
121~---- · t-- -----1
Paragraph 23: "In other words, Gadi I Improper expert testimony hearsay,
13 I I wanted the Countrywide branch to misstates the evidence, lacks foundation,
purchase mortgage insurance for the loan lacks personal knowledge, improper
14 I I to allow recovery in the case of default. " . authentication, and speculative.
15 I I Paragraph 24: "There is no indication I Improper expert testimony, hearsay,
from the documents produced by misstates the evidence, lacks foundation,
16 I I Countrywide that Samaan's loan was lacks personal knowledge, improper
ever approved." authentication, and speculative.
17 1+--- -+- ------1
Paragraph 26: "Two days after I issued Hearsay, lacks foundation, lacks
18 I I the ~otice to Perform, on October 20, personal knowledge, and speculative.
2004, in a letter Plaintiff sent to Libow
19 I I by facsimile, Plaintiff absolutely refused
to remove the Appraisal Contingency by
20 I I stating that she 'will not remove the
appraIsal contingency until I have
21 I I received the lenders (sic) notification
that the val ue 0 f the home is justi fied. "'
22 IiI ------1
Paragraph 26: "A true copy of the I Hearsav, lacks foundation, lacks
23 I I Octol5er 20, 2004 letter is attached hereto. personal knowledge, improper
as Exhibit P." : authentication, and speculative.
-)41 ,
1
I
-----l
I Paragraph 29: "I am informed and : Hearsay, lacks foundation, lacks

25 ] believe that many of he documents I personal knowledge, and speculative.
, Plaintiff submitted in opposition to my . '-'
26 : prior motion to expunge the lis pendens
, recorded on my property were false,
27 I I unauthenticated and/or adulterated."
I'
I
I
I
28 Iii Paragraph 30: "One oftbe false I Hearsay, lacks foundation, lacks
732 / 745
Court File: "Volume IV Continued" 1-
Samaan v Zernik (SC087400)
\VOC- Los
WESAngeles
T 1RDIISuperior Court
-100359322.1 OBJECTIONS TO ZERt"J"IK DECL.
733 / 745
Paragrap~ 33: "A copy qf th.e letter she Improper authentication.
'I
submlttea In her RDor motion IS attached ,

2 iii hereto as Exhibit T. "
3 I I Paragraph 33: "This underwriting I Hearsay, irrelevant.

letter IS unsigned, despite the fact that all
4 III other underwriting letters were signed by
either Diane FraZIer, the dulr aSSIgned
5 III underwriter or by Maria Mc aurin, the
branch manager, who on or about
6 I I October 25,1004 usurped underwriting
n
authority for Plaintiffs loans."
111
7 Paragraph 34: "I met and conferred I Hearsay, misstates the evidence, lacks
8 ~I with Count~ide on multiple occasions foundation, lacks personal knowledge,
I
and they consistently confirmed that I and speculative. I
9 I I had received all underwriting letters

applicable in Plaintiffs loan file."
IOIIt-- --+- _
Paragraph 35: ''In response, Hearsay, lacks foundation, lacks
11 III Countrywide .co.n,eluded t~at it did not personal knowledge, and speculative.
I belong In PlamtIffs loan hIe."
121ft----- +- ---1
Paragraph 35: "In addition, Hearsay, lacks foundation, lacks

13 III Countryvvride produced correspondence personal knowledge, and speculative.
between Plaintift.,s husband, Plaintiffs
14 ~I counsel. and Iyl~ Laurin in preparation for
presentIng thIS Improper,
15 I I unauthentIcated document in prior court
filings. "
16L Paragraph 36: "Attached hereto as Improper authentication. I

17111 ExhiDlt W, is a copy of page 62, lines
20-21 of Plaintiffs depositIOn taken on
18 I I July 10,2006."
19 ,;--
20 II Dated: July 10,2007

21
SHEPPARD, MU~LIN, RICHTER & HAMPTON LLP
\\~
22
23 -
By
24 \V~10E KESHAVARZI
25
NIVIE SAIvlAAN
26
27
28
734 / 745
W02-WE51.1 RE\11 400359322.]
Samaan v Zernik (SC087400) Los Angeles Superior Court OBJECTIO~S TO ZERNIK DECL.
PROOF OF SERVICE
2 STATE OF CALIFORNIA, COUNTY OF LOS ANGELES

-1- II Street. 48th Floor, Los Angeles, California 90071-1448.
5 liOn July 10,2007, I served the following document(s) described as EVIDENTIARY

OBJECTIONS TO DECLARATION OF JOSPEH ZERNIK on the interested party(ies)
6 II in this action by placing true copies thereof enclosed in sealed envelopes and/or packages
addressed as follows:
7 Robert J. Shulkin, Esq. Joseph Zernik
Brokerage Company
<) 11611 San Vicente Blvd., Ninth Floor
10 Facsimile: (310) 447-1902
robert.shulkin@camoves.com
11
00 BY MAIL: I am "readily familiar" with the firm's practice of collection and
motion of the party served, service is presumed invalid if postal cancellation datc or
affidavit.
15 "

17 D BY ELECTRONIC MAIL: I caused to be prepared and sent an cmail to the party

18 ..
"
20 Executed on July 10,2007, at Los Angeles, California.
21
22
Laverna A. Henry
23
2-1-
2S
26
27
28
735 / 745
2
Including Professional Corporations
FILED
LOS \ \(iFl ~'S Sf Frr~I()R COURT
PHILLIP A. DAVIS, Cal. Bar No. 110430 I
311V10E KESHAVARZI, Cal. Bar No. 223759
333 South Hope Street, 48th Floor ,1/ H 1 a7.007 "
("'(I
4 II Los Angeles, California 90071-1448 JOHN A. Ci_.\RKE. CLERK

Telephone: 213-620-1780 ~.
SII FacsImile: 213-620-1398 8Y BARBARA VARt~U1Y
6
Attorneys for Plaintiff Nivie Samaan
7
8
9
FOR THE COUNTY OF LOS ANGELES -- WEST DISTRICT
10
11
..
Plainti ff, Honorable Jacqueline A. Connor
12
v. PLAINTIFF NIVIE SAMAAN'S
1311 REQUEST FOR JUDICIAL
JOSEPH ZERNIK, an individual and NOtICE FILED IN SUPPORT OF
14 II DOES 1 through 10, inclusive, HER OPPOSITION OT
DEFENDANT'S l\10TION TO
15 II Defendants. EXPUNGE LIS PENDENS.
16 DATE: Ju))' 23, 2007

TIME: 8:30 a.m.
17 DEP'T: I
18 Trial Date: September 7, 2007
19
20
21
--I 22
~~
~
,"" 23
"-
'J~"'"
24
(JJ
....
"'' '-' ' ,
25
..4:-"
(-
'".:J 26
27
28
II WI):>\\TSI ]\1\IKl.jUIJ3"'JI')~ i PLA1:'-ITIFF'S REQLEST FOR JLDIC1AL 0:0TICE IN
736 / 745 SLPPORT OF HER OPPOSlTIO"i TO DEFE'JDAJ\iT'S
Court File: "Volume IV Continued" \[OT10:'-l TO EXPl').GE LIS PE'\"OE\iS.
Pursuant to Califomia Evidence Code Sections 450, 452, and 453, and
2 II in support of plainti ffNivie Samaan's ("Samaan") Opposition to Defendant's Motion
3 II to Expunge Lis Pendens, Samaan requests that the Court take judicial notice of the
4 II following documents which were filed with the Court and are publicly available:
5
1. Declaration of Defendant Joseph Zernik dated September 19,
6
2006, and Exhibit 5 thereto, filed in support of defendant's Motion to Expunge Lis
7"
Pendens. Attached hereto as Exhibit 1.
8
9
2. Declaration of Defendant Joseph Zemik dated November 2,
10
2006, filed in support of defendant's Reply brief in support of his Motion to
11 II
Expunge Lis Pendens. Attached hereto as Exhibit 2.
12 "
13
Dated: July 10,2007
14
SHEPPARD, MJJL~IN, RICHTER & HAMPTON LLP
15 ,
16
By
17
OE KESHA VARZI
18 Attorneys for Plaintiff Nivie Samaan
19
20
21
22
23
24
25
26
27
-1-
28
II Wl,2-\\TSr l\I\IK\ -lUU_~Sc)\()Rl PLAI~TIFF'S REQUEST FOR JLDICIAL 0iOTICE IN
737 / 745
Court File: "Volume IV Continued" SCPPORT OF HER OPPOSITIO)i TO DEFE'JDANT'S
\10TIO"i TO EXPL"GE LIS PE:.,TDE?--iS
•
DECLARA TJON OF JOSEPH ZERNIK IN SUPPORT OF MOTION TO EXPUNGE
•
NOTICE OF PENDENCY OF ACTION.
/
3 II J, Joseph Zernik, declare as follows:
5 1. I am the owner of the real property that is located at 320 South Peck Drive, Beverly
6 II Hills California (hereinafter the "Property").
~ 2. I was represented by broker Michael Libow in the sale of my property.
10 3. It was my understanding that plaintiff was a real estate agent and would be
11 II representing herself.
12
13 4. Th effective date of Acceptance of Residential Purchase Agreement and Joint
14 II Escrow Instructions (date of execution of Counter Offer No. Two) was on September 15, 2004.
15 II That was the date the second counter offer was signed by me. Attached hereto as Exhibit 2 is a
16 II copy of the entire agreement including the Counter Offer No. Two dated September 15, 2004.
17
18 5. According to the terms of the agreement pI ainti ff had 17 days after acceptance to
19 II remove the loan and appraisal contingencies (Agreement paragraph 2J, Ex. 2).
20
21 6. Although a $15,000 check in good funds was supposed to be provided on the date
22 II of acceptance by plaintiff she provided a NSF check (Agreement paragraph 2A. Ex. 2; bad check
23/1 Ex. 3).
24
..,
25 I. It is my understanding that a replacement check was provided on October 4, 2004
26 (Ex. 4)
27
738 / 745
28
Samaan v Zernik (SC087400) Los Angeles Superior Court -11-
\!OTlrr 0[' U[' ADTNr- ON MO'fTON ANn M0T10N TO VYPITNr.V.l1~ PVNnV.N~
• •
On October 6,2004 Escrow sent out notice of "Applicable Time Frames" which
2 8.
3 1/ indicated the last day to remove the Appraisal Contingency was October 11,2004 (Ex. 5).
5 9. Plaintiff did not remove the appraisal contingency on or before October 11,2004.
7 ]0. Pursuant to the agreement I caused to be served a 24 Hour Notice to Buyer to
8 II Perfonn on October 18,2004 (Ex. 7) because plaintiff had not complied with the Agreement
9 II requirements that she either remove the Joan and appraisal contingencies or cancel the agreement.
10 II I fully expected her to either comply with the Notice or I would cancel the agreement.
11
12 11. Plaintiff did not remove the appraisal contingency within 24 hours (October 19,
13112004).
14
15 12. Instead, on October 20,2004 plaintiff sent a letter whereby she removed the loan
16 II contingency but refused to remove the appraisal contingency. Her letter stated that she would not
17 II remove it "until I have received the lenders (sic) notification that the value of the home is
18 II justified" (Ex. 8).
19
20 13. On October 21,2004 in response to plaintiffs refusal I prepared a letter to plaintiff
21 1/ and my broker Michael Libow that I was cancelling escrow (Ex. 9).
22 II
23 II
24 II
25 II
26 II
27 II II
28
739 / 745 -12-
NOTICE OF HEARING ON MOTION AND MOTION TO EXPUNGE LIS PENDENS
14.
• •
Plaintiff then removed the appraisal contingency late on October 25,2004 in
2 II violation of the agreement and the 24 Hour Notice to PerfonTI (Ex. 10). I had already elected to
3 \I cancel the agreement as was my right under the agreement.
4
5 II If called to testi fy as a witness, I could and would testi fy to each of the above facts of my
6 II own personal knowledge. Executed on september4, 2006, at Beverly Hills, California. I declare
7 II under penalty of perjury under the laws of the State of Cali fomi a and the United States of America
8 II that the foregoing is true and correct.
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
740 / 745 -13-
Court File: "Volume IV Continued" 1'iOTlCE OF HEARING ON MOTJON AND MOTION TO EXPUNGE LIS PENDENS
I 01. S 1.IHIHX3
741 / 745
• •
9401 Wilshire Blvd•• Suite 515
Telephone (310) 550-7400
A ~ CCilPClWlON
FAX (310) 550-7531
October 5, 2004
Nivie SalIWn
00 Gilleran Griffin Company
1333 Westwood Blvd., ,f101
Los Angeles, CA 90024
Escrow Number: 1-34S0G-GH
Subject Property: 320 S. Peck Drive
Be,.erly Hills, CA 90212
Du.r Nivie:
In connection with the above referenced transaction, I believe that you might fllld the followiDa importanl dates useful.
APPLICAELE TIME FRAMES
We belie"e thaI the following dale(s) are accurate, however, please verify the exact dale(s) with the Original A,reement..
Buyer's Initial Deposit of SI5,OOO,00 to be received by Escrow Holder: September 27,2004.
Buyer's Additional Deposit of $1S,OOO.OO to be deposited with Escrow Holder by: October 8, 2004.
Signed Copy of your ~ Purt:hase AgreemeDl &: JoiD! Escrow !DstructiollS lD be d.eposit.ed with US by: September 27, 20'
Buyer's Investigation Contingencies expires:
Lasl day for Seller lD Order, Request &. Compleu: all Repons: October I, 2004.
Usl day for Seller lD order Property Disclosure StatemeDl: October I, 2004.
Last day for Seller lD orda Preliminary Title Repon: October 1. 2004.
Number of days (afu:r receipt) for Buyer lD approve Preliminary Title Repon: S Days.
Last day for Buyer lD provide Sellcr Prequalifiu.tioD Letter: October 1. 2004.
$'
~
".>:t.:
Last day for Buyer lD remove Appraisal ContingellCY:
Last day for Buyer to receive Final Loan Approval:
October 11, 2004.
October 11, 2004.

f
Oose of Escrow November I, 2004.
Buyer and Seller have indicau:d in the Original 'Residential Purchase Agreement and JOiDl Escrow Instructions' that they desire
the 'AcrIVE METHOD' for removal of contingencies. Therefore, if, within the time specified. Buyer does DOl give Seller
wriHen notice of =nditional approval and removal of contingencies or I reasonable request. Seller, after first eivina Buyer a
Notice to Buyer lD Perform, Imy cancel the AgreemeDl and this Escrow in writine and authorize return of Buyer's deposit if, by
the time specified in the original Purchase Agreemenl and Escrow InslrUctiOn.s, buyer does DOtTClDOve in writilll the applicable
con0lll:ency or cancel the Agreements. ComplelC lCrms and conditions of this provision are contained in the 'Original
Agreement.
You may find the following names and numbers helpful throughout this transaction:
LISTING AGENT SELLING AGENT

Coldwell Buker Gllleraa Grilrlll Company
166 No. CalIOn Drive 1333 WestWood Blvd., 1101
Beverly }{iUs, CA 90210 Los Aqcles, CA 90024
Michael J. Ubow N1,.le Samalll
TelephollC: (310) 273·3113 ExL 169 TelepbollC:
Telefu: (310) 278-4934 Tclefu:
EScRow BOLDER TInE INSURANCE COMPANY
MARA ESCROW COMPANY FIRSI' AMERICAN TITI..E CO.
Telephone: (310) SSG-7400 TelephollC: (81B) 242-5800
Escrow Officer: Gan Bershowitz Title Rep:
Escrow Assistant: Corutance A. Kaiser Title Order No: I086S36-31
Tb2nk you for the opportunity lD be of service to you in this U'aIlSaction. Should you have any questions andlor problems,
please ~I fr= to call upon lDC It any 0=.
Yours truly,
Man Esaow Company
Gail Hershowitz
742 / 745 Escrow OfficerlMAlIlIgerlV.P.
Samaan v Zernik (SC087400) Los Angeles Superior Court EXHIBIT b
• •
SUPPLEMENTAL DECLARATION OF JOSEPH ZERNIK IN SUPPORT OF MOTION
TO EXPUNGE NOTICE OF PENDENCY OF ACTION.
2
3 II I, Joseph Zemik, declare as follows:
4 1. I am the owner of the real property that is located at 320 South Peck Drive, Beverly
5 II Hills California (hereinafter the "Property").
6 2. I received the Additional Escrow Instructions on or about October 6, 2004, a copy

7 II of which is attached hereto as Exhibit 19, and I signed and delivered them to escrow on October 7,
8 II 2004.
9 3. I am a single father. In October 2004, my son was in high school at Beverly Hills
10 II High and I did not want to move into another school district, thereby causing my son to change
11 II schools in the middle of the school year. In the middle of October 2004, I needed to know whether
12 II Samaan would complete the purchase of the Property in order to be able to lease an apartment.
13 II Escrow was set to close on November 1,2004. I did not have the money to lease an apartment
14 II and pay the mortgage on the Property at the same time. In the middle of October 2004, I had not
15 II entered into a lease and the apartment that I was intending to lease had just been leased to third
16 II party. Therefore, I had to know immediately whether Samaan would close escrow on November
17 II 1,2004 in order to know whether to sign a lease. I could not sign a lease if! was unsure that
18 II Samaan was going complete the purchase of the Property. Given that Samaan had provided Mara
19 II Escrow with a NSF check for the initial deposit, I did not believe that she could make the balance
20 II of the deposit of$313,600 or obtain a loan for $1,374,400. That is why I gave the Notice to
21 II Perform and then cancelled the escrow when she refused to waive the Appraisal Contingency.
22 4. Sometime in October 2004, I received a telephone call from Mara Escrow
23 " requesting that I initial the bottom of the pages and sign the offer that I received from Ms. Samaan,
24 II a copy of which is attached as Exhibit 2 to Samaan's opposition to the motion to expunge. My
25 " best recollection is that within 24 hours after I received this message, I went to Mara Escrow and
26 II initialed the first eight pages and signed page 8 of the Purchase Agreement, a copy of which is
27/1 attached to my motion to expunge. J was never told by anyone as to why J was requested to initial
28
743 / 745 -10-
REPLY BRIEF RE MOTION TO EXPUNGE LIS PENDENS
1'-®V-2-2006 01 :'04P FROM: DR Z 909596300El :912136277128 P.3
I'lVV. L. LUUO IU:qt AM • ~liLLJV}\fV lTUK~MM • NU. )0 I I r,)
1 II and sign the initiaJ offer portion ofthc: Purchase Agreement, but I did it as soon B.!l I received that
2 Urequest.
3 5. I never gave Mr. Libow authority ~o modify the PurchMe Agreement
4 6. After I canceUed the escrow with Ssmaan, I took the Property off of the market BIld
5 Uhave never put it ban1c on the market.
6
7" If ce.lJ~ to t~-9tify R.~ a witness) I could and would testify to each of the above facts ofrny
8 II own personal knowledge. Executed on November 2, 2006, at L;4 V(dl$ , California.
911 I declare under pcnDlty ofpCIjury under the laws of the Stat~ of California and the United States of
10 U America thaI tho forollOing i. true and com:et. ~
1111
" ]oscp - .-
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
-11-
744 / 745
NotiCE OF muRlNG ON MOnON AND MonON TO EXPUNGE LIS PENDENS
PROOF OF SERVICE
') STA IE OF CALIFOR\lIA, COl):"TY OF LOS A"!GELES

411 Street, 48th Floor, Los Angeles, California 90071-1448.
5 l i O n July 10. 2007, I served the following document(s) described as PLAI~TIFF

l"IVIE SAMAAN'S REQUEST FOR JLDICIAL NOTICE FILED IN SUPPORT OF
611 HER OPPOSITIO:\f OT DEFENDANT'S MOTIO:\T TO EXPUNGE LIS PENDENS
on the interested party(ies) in this action by placing true copies thereof enclosed in scaled
7 II envelopes andJor packages addressed as follows:
8 Robert J. Shulkin, Esq. Joseph Zernik

Brokerage Company
11 Facsimile: (310) 447-1902
robert.shulkin(Z['camovcs.com
12 "
~ BY:VIAIL: I am "readily familiar'" with the finn's practice of collection and

14 Los Angeles, California in the ordinary course of business. r am aware that on
i5 postage meter date is more than one day after date of deposit for mailing in
affidavit.
16
0 BY HAND DELIVERY: I caused such enve]ope(s) to be delivered by hand to the
18 0 BY ELECTRONIC ~IAIL: I caused to be prepared and sent an email to the party

19
[gJ STATE: I declare under penalty of perjury under the laws of the State of
20 Califomia that the foregoing is true and correct.
21 Executed on July 10. 2007, at Los Angeles, California.
22
23
------" -~---- - ~---
Laverna A. Henry
24
25
26
27
28
745 / 745

07-11-20 Samaan V Zernik (SC087400) at The Superior Court of California, County of Los Angeles, Court File - "Volume IV-Continued" - Evidence of Judicial Fraud On The Court and Racketeering S

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07-11-20 Samaan V Zernik (SC087400) at The Superior Court of California, County of Los Angeles, Court File - "Volume IV-Continued" - Evidence of Judicial Fraud On The Court and Racketeering S

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Digitally signed

JOSLPI-I/ERNIK. an individual. and DOES ) DEFENDANT .JOSEPH ZERNIK'S

) Place: Department "WE-I"

Opposition hJ \lotiol1 for Summar) Judgment

17 requirement of ddcndant" s initials on pages 1 though 8 of the purchase agreement created

18 material issues of disputed fact.

20 of the following three categories of material issues of disputed fact:

21 I. Whether ready willing and able to perform under the contract

23 Whether Zernik had a right to cancel escrow on October 21. 2004.

4 / 745 -1­ Opposition to \lotion for Summar! Judgment

24 presented to the seller in good faith.

lkn:. as is typical in such a transaction, defendant \\as \\holly un(mare of plaintiffs

6 / 745 Opposition to \Iotion tor Summary .Iudgment

18 A. Samaan Fraudulently Induced Zernik to Enter Into An Agreement to Sell

20 1. Samaan Submitted an Initial Offer Based on :vIisrepresentations

Opposition to \!otion for Summar) Judgment

Opposition to \lotion for Summary Judgment

3 On September 15. 2004. Defendant accepkd Counter Offer No. 2 by signing

12 B. Plaintiff Committed Fraud and Breached the Purchase Agreement before

10 / 745 Opposition to \Iotion for Summary Judgment

3 Paragraph 2 (a) of the Purchase Agreement as modified by Counter Offer No.2

5 Acceptance:' Defendant accepted Plaintiffs Counter Offer No.2 on Wednesday. September

12 until much later. ID.

20 2. Meanwhile, Plaintiff Continued to Misrepresent Her Ability to

12 / 745 Opposition to lv10tion for Summar;. .I udgment

16 • October 7, 2004: "Plcast: allow J business days for loan approval"

13 / 745 Opposition to 'lotion tor Summar~ Judgment

9 because on October 6, 2004. Countrywide

14 / 745 Opposition to "-'lotion for Summar: Judgment

3 3. Samaan Failed to Remove the Appraisal Contingency in a Timely

III. DISCCSSION: SAMAAN IS NOT ENTITLED TO SUMMARY JUDGMENT

15 / 745 Opposition to :'vlotion tor Surnmar~ Judgment

20 2. Samaan Was Never Willing or Able to Proceed with the Purchase

16 / 745 Opposition to \lotion for Summar;. Judgment

19 misrepresentation. concealment. circumvention. or unfair practices of any party to whom

17 / 745 Opposition to \1otion for Summary Judgment

inducement in the context of a specific performance action as fo\lc)\\s:

6 think a court of equity will not enforce the contract. \\hether it be

accompanied by damage or not. So far as this kind of suit is

18 / 745 Opposirion to \lotion for Summary Judgment

6 indepclH_lent revie\\ very unlikely.

10 differences in the signatures. Further- facsimile cannot be authenticatcd because neither

17 C. Zernik's Signature Was Not the Cause of Samaan's Failed Loan

21 To substantiate her tall tales. Samaan fraudulently introduced a document that is an

19 / 745 Opposition to ;\Iotion for Summary Judgment

6 The Countrywide Unden\Titing letter of October 26. 2004 is a yery sophisticated

8 be a print-out from one of Countrywide's underwriting computer sothvare programs. the

1] through discovery. Consider the following:

12 a) This Underwriting Letter is Unsigned.

20 / 745 Opposition to \lotion for Summary Judgment

3 I. She ordered Appraisal Review. regardless of the fact that the

17 Fraud. Business and Professions Code ~ 10240(c).

18 2. Zernik Was Not Required to Sign Samaan's Original Offer

22 referenced document [the California Residential Purchase Agreement (Samaan's initial

(even if he did or did not. \vhich Samaan cannot conclusively prove).

21 / 745 Opposition to Vlotion for Summary Judgment

5 3. Plaintiff Submitted a Fraudulent Version of the Purchase

I1 2004 at 3 :42 p.m. without Defendant's signature.

12 In order to understand Samaan's ever changing story regarding Zernik's allegedly

14 This document is not initialed on every page by Zernik showing

(I ) Parks has no personal knowledge of if or when Zernik signed the agreement as

26 (3 ) There is absolutely no documentary evidence to SUpp0l1 his statement. Parks

22 / 745 Opposition to \lotion for Summary Judgment

4 / 745 -1 Opposition to \lotion for Summar! Judgment

Overruled: - -\.. - - - - - .-,/

20 Court's Ruling on Objection 5: Sustained: - - - - - - -

:2 Evidence: Page 3. Paragraph 7. Line 27 - Page -J.. Line 1.

9 Court's Ruling on Objection 11: Sustained: - - - - - - - -

18 Court's Ruling on Objection 12: Sustained: - - - - - - -

9 Court's Ruling on Objection 14: Sustained: -------

21 Court's Ruling on Objection 15: Sustained: - - - - - - -