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Attorney or Party Name, Address, Telephone & FAX Nos., State Bar No. & FOR COURT USE ONLY Email Address Lynda T. Bui – Bar No. 201002 SHULMAN HODGES & BASTIAN LLP 100 Spectrum Center Drive, Suite 600 Irvine, California 92618 Telephone: (949) 340-3400 Facsimile: (949) 340-3000 Email: [email protected]

Individual appearing without attorney Attorney for: Karl T. Anderson, Chapter 7 Trustee UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA - RIVERSIDE DIVISION DIVISION

In re: CASE NO.: 6:17-bk-18870-SC

ROZANN SUNDERLAND, CHAPTER: 7

NOTICE OF SALE OF ESTATE PROPERTY

Debtor(s).

Sale Date: 11/06/2018 Time: 11:00 am

Location: United States Bankruptcy Court, 3420 Twelfth Street, Video Hearing Ctrm. 126, Riverside, CA 92501

Type of Sale: Public Private Last date to file objections: 10/23/2018

Description of property to be sold: Real property located at 14361 Caroline Street, Adelanto, California, APN: 3103-662-01

Terms and conditions of sale: Purchase price of $200,000.00, subject to overbids. All outstanding liens will be paid through escrow on the sale transaction. See attached for Bidding Procedures.

Proposed sale price: ______$ 200,000.00

This form is mandatory. It has been approved for use in the United States Bankruptcy Court for the Central District of California.

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Overbid procedure (if any): Potential overbidders must bid an initial amount of at least $205,000.00. Minimum bid increments after that shall be $1,000.00. See attached for more information.

If property is to be sold free and clear of liens or other interests, list date, time and location of hearing:

Contact person for potential bidders (include name, address, telephone, fax and/or email address): Lynda T. Bui, Esq. SHULMAN HODGES & BASTIAN LLP 100 Spectrum Center Drive, Suite 600 Irvine, CA 92618 Telephone: (949) 340-3400 Facsimile: (949) 340-3000 Email: [email protected]

Date: 10/15/2018

This form is mandatory. It has been approved for use in the United States Bankruptcy Court for the Central District of California.

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Attorney or Party Name, Address, Telephone & FAX Nos., State Bar No. & FOR COURT USE ONLY Email Address Lynda T. Bui – Bar No. 201002 SHULMAN HODGES & BASTIAN LLP 100 Spectrum Center Drive, Suite 600 Irvine, California 92618 Telephone: (949) 340-3400 Facsimile: (949) 340-3000 Email: [email protected]

Individual appearing without attorney Attorney for: Karl T. Anderson, Chapter 7 Trustee

UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA - RIVERSIDE DIVISION DIVISION

In re: CASE NO.: 6:17-bk-18870-SC CHAPTER: 7 ROZANN SUNDERLAND, NOTICE OF MOTION FOR: ORDER: (1) APPROVING THE SALE OF REAL PROPERTY OF THE ESTATE PURSUANT TO BANKRUPTCY CODE § 363(b), SUBJECT TO OVERBIDS AND REQUEST FOR APPROVAL OF THE BIDDING PROCEDURES UTILIZED, ETC.

(Specify name of Motion)

DATE: 11/06/2018 TIME: 11:00 am COURTROOM: Video Hearing Courtroom 126 PLACE: United States Bankruptcy Court 3420 Twelfth Street Debtor(s). Riverside, CA 92501

1. TO (specify name): ______Hon. Scott C. Clarkson, US Bankruptcy Judge, US Trustee and all Interested Parties

2. NOTICE IS HEREBY GIVEN that on the following date and time and in the indicated courtroom, Movant in the above- captioned matter will move this court for an Order granting the relief sought as set forth in the Motion and accompanying supporting documents served and filed herewith. Said Motion is based upon the grounds set forth in the attached Motion and accompanying documents.

3. Your rights may be affected. You should read these papers carefully and discuss them with your attorney, if you have one. (If you do not have an attorney, you may wish to consult one.)

This form is mandatory. It has been approved for use in the United States Bankruptcy Court for the Central District of California.

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4. Deadline for Opposition Papers: This Motion is being heard on regular notice pursuant to LBR 9013-1. If you wish to oppose this Motion, you must file a written response with the court and serve a copy of it upon the Movant or Movant’s attorney at the address set forth above no less than fourteen (14) days prior to the above hearing date. If you fail to file a written response to this Motion within such time period, the court may treat such failure as a waiver of your right to oppose the Motion and may grant the requested relief.

5. Hearing Date Obtained Pursuant to Judge’s Self-Calendaring Procedure: The undersigned hereby verifies that the above hearing date and time were available for this type of Motion according to the judge’s self-calendaring procedures.

Date: 10/15/2018 Shulman Hodges & Bastian LLP Printed name of law firm

/s/ Lynda T. Bui Signature

Lynda T. Bui Printed name of attorney

This form is mandatory. It has been approved for use in the United States Bankruptcy Court for the Central District of California.

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Statement of Information in Compliance with LBR 6004-1(c)(3)

LBR 6004-1(c)(3) Requirement Information LBR 6004-1(c)(3)(A) Hearing Date and Time: November 6, 2018 at 11:00 a.m. Date, Time, and Place of hearing on the proposed sale: Hearing Place: U.S. Bankruptcy Court Video Hearing Courtroom 126 3420 Twelfth Street Riverside, CA 92501 LBR 6004-1(c)(3)(B) Hamleth D. Terrones Name and address of the proposed buyer: Ulrika E. Terrones 420 N. Louise, #5 Glendale, CA 91206 LBR 6004-1(c)(3)(C) Real property located at: 14361 Caroline Street, Adelanto, California Description of the property to be sold: 92301 (“Property”) LBR 6004-1(c)(3)(D) $200,000.00 for the Property, subject to Bankruptcy Court approval and Terms and conditions of the proposed sale, including the overbids; sale of Property on an as-is, where-is basis, without any price and all contingencies: warranties or representations. LBR 6004-1(c)(3)(E) Proposed sale is subject to the liens identified in the Preliminary Title Whether the proposed sale is free and clear of liens, Report attached as Exhibit “1” to the Declaration of Karl T. Anderson claims or interests, or subject to them, and a description annexed to the Motion, with payment of (i) all real estate taxes owed to of all such liens, claims or interests: the San Bernardino County Tax Collector, (ii) all amounts owed to secured lender Gateway Mortgage Group LLC, (iii) real estate commission not to exceed 6%, and (iv) escrow fees which shall be split between the Buyer and the Estate in the manner customary in the County where the Property is located. LBR 6004-1(c)(3)(F) Yes. Potential overbidder(s) must bid an initial amount of at least Whether the proposed sale is subject to higher and better $5,000.00 over the Purchase Price for the Property or $205,000.00. bids: Minimum bid increments thereafter shall be $1,000.00. LBR 6004-1(c)(3)(G) The sale is expected to generate net proceeds of approximately Consideration to be received by the Estate, including $30,670.43 from the sale of the Property, after estimated commissions of estimated commissions, fees and other costs of sale: 6%, other costs of sale, payment of the above liens and payment to the Debtor of 40% of the net proceeds under the settlement. The net proceeds also includes a carve-out to the Estate of $3,000.00 from broker commissions. LBR 6004-1(c)(3)(H) The commission (6% or $12,000.00) will be split as follows: 1.5% (or If authorization if sought to pay commission, the $3,000.00) carve-out for the Estate; 2.5% (or $5,000.00) to Trustee’s identity of the auctioneer, broker, or sales agent and the Broker, Richard A. Halderman, Jr. ($1,750.00) and Mary Lou Robinson amount or percentage of the proposed commission to be of United California Realty ($3,250.00); and 2% (or $4,000.00) to paid: Buyer’s broker, Elizabeth Quintero of Goodspeed Group Inc. LBR 6004-1(c)(3)(I) The Trustee is informed that the Property was the Debtor’s principal A description of the estimated or possible tax residence for periods aggregating two years or more during the five years consequences to the Estate, if known, and how any tax prior to the Petition Date. As such, under Internal Revenue Code §121 liability generated by the sale of the property will be (which provides for exclusion of a gain from sale of a principal paid: residence), the amount of any gain on the sale of the Property will be excluded from taxable income up to $250,000 for single person and $500,000 for married couple. As such, the Trustee believes there will be no tax liability from the sale. LBR 6004-1(c)(3)(J) Objections, if any, must be filed and served 14 days prior to the Hearing Date which objection must be filed and served: Date (or by October 23, 2018).

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1 Lynda T. Bui - Bar No. 201002 SHULMAN HODGES & BASTIAN LLP 2 100 Spectrum Center Drive, Suite 600 Irvine, California 92618 3 Telephone: (949) 340-3400 Facsimile: (949) 340-3000 4 Email: [email protected]

5 Attorneys for Karl T. Anderson, Chapter 7 Trustee 6

7

8 UNITED STATES BANKRUPTCY COURT

9 CENTRAL DISTRICT OF CALIFORNIA, RIVERSIDE DIVISION

10

11 In re Case No. 6:17-bk-18870-SC

12 ROZANN SUNDERLAND, Chapter 7

13 Debtor. CHAPTER 7 TRUSTEE’S MOTION FOR ORDER: 14 (1) APPROVING THE SALE OF REAL 15 PROPERTY OF THE ESTATE PURSUANT TO BANKRUPTCY CODE SECTION 363(b) SUBJECT TO 16 OVERBIDS AND REQUEST FOR APPROVAL OF THE BIDDING 17 PROCEDURES UTILIZED;

18 (2) APPROVING PAYMENT OF REAL ESTATE COMMISSION; AND 19 (3) GRANTING RELATED RELIEF; 20 MEMORANDUM OF POINTS AND AUTHORITIES AND DECLARATION OF 21 KARL T. ANDERSON AND RICHARD A. HALDERMAN, JR. IN SUPPORT THEREOF 22 [Real Property Located at: 14361 Caroline Street, 23 Adelanto, CA]

24 Date: November 6, 2018 Time: 11:00 a.m. 25 Place: Video Hearing Courtroom 126 United States Bankruptcy Court 26 3420 Twelfth Street Riverside, CA 92501 27 28

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1 TABLE OF CONTENTS Page 2 I. RELIEF REQUESTED ...... 4 3 A. Case Commencement ...... 4 4 B. The Property ...... 4 5 C. The Settlement with the Debtor ...... 5 6 D. Broker Employment, Marketing Efforts and Basis for Value of the Property ...... 6 7 E. Terms of Sale ...... 6 8 F. Treatment of Liens and Encumbrances Through the Sale ...... 7 9 G. Notice of Bidding Procedures ...... 7 10 H. Tax Consequences ...... 9 11 II. ARGUMENT ...... 9 12 A. The Property is Property of the Debtor’s Bankruptcy Estate...... 9 13 B. There is Good Business Reason for the Sale and the Sale is in the Best 14 Interest of the Estate...... 10

15 C. Request for Payment of Real Estate Commission to Broker...... 11

16 D. The Court Has the Authority to Approve the Bidding Procedures...... 11

17 E. The Court has the Authority to Waive the Fourteen-Day Stay of Sale ...... 12

18 III. CONCLUSION ...... 12

19 DECLARATION OF KARL T. ANDERSON ...... 14

20 DECLARATION OF RICHARD A. HALDERMAN, JR...... 18 21

22 23 24 25 26 27 28

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1 TABLE OF AUTHORITIES Page 2 3 Cases 4 In re Lionel Corp., 722 F.2d 1063, 1069 (2d Cir. 1983) ...... 10 5 In re Wilde Horse Enterprises, Inc., 6 136 B.R. 830, 841 (Bankr. C.D. Cal. 1991) ...... 10 7 In re Yonikus, 996 F.2d 866 (7th Cir. 1993) ...... 10 8 United States v. Rauer, th 9 963 F.2d 1332 (10 Cir. 1992) ...... 10 10 Statutes 11 11 U.S.C. § 105(a) ...... 12 12 11 U.S.C. § 328(a) ...... 11 13 11 U.S.C. § 363(b)(1) ...... 12 14 11 U.S.C. § 363(m) ...... 13 15 11 U.S.C. § 541(a) ...... 9, 10 16 11 U.S.C. § 704 ...... 10 17 Rules 18 Fed. R. Bankr. P. 6004(h) ...... 12, 13 19 Local Bankruptcy Rule 6004-1(c)(2)(C) ...... 9

20 21 22 23 24 25 26 27 28

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1 TO THE HONORABLE SCOTT C. CLARKSON, UNITED STATES BANKRUPTCY 2 JUDGE, THE OFFICE OF THE UNITED STATES TRUSTEE AND ALL INTERESTED 3 PARTIES: 4 Karl T. Anderson (“Trustee”) the Chapter 7 trustee for the bankruptcy estate (“Estate”) of 5 Rozann Sunderland (“Debtor”), brings this Motion for Order: (1) Approving the Sale of Real 6 Property of the Estate Pursuant to Bankruptcy Code Section 363(b) Subject to Overbids and 7 Request for Approval of the Bidding Procedures Utilized; (2) Approving Payment of Real Estate 8 Commission; and (3) Granting Related Relief (“Sale Motion”) as follows: 9 I. RELIEF REQUESTED 10 The Trustee has received an offer from Hamleth D. Terrones and Ulrika E. Terrones 11 (“Buyer”), to purchase the real property located at 14361 Caroline Street, Adelanto, California 12 92301 (“Property”) for the sale price of $200,000.00, subject to overbids. The Trustee expects to 13 generate net proceeds of approximately $30,670.43, which should make a meaningful distribution 14 to creditors of the Estate. The Trustee believes that good cause exists to grant the Sale Motion so 15 the Trustee does not lose this favorable business opportunity. 16 A. Case Commencement 17 The Debtor filed a voluntary petition under Chapter 7 of the Bankruptcy Code on October 18 24, 2017 (“Petition Date”). 19 Karl T. Anderson is the duly appointed, qualifying, and acting Chapter 7 trustee for the 20 Estate. 21 B. The Property 22 The Debtor’s Schedule A/B, item 1, lists an ownership interest in the Property. The 23 Debtor’s Schedule A/B lists the value of the Property at $246,000 and her Schedule D lists a lien in 24 favor of Gateway Mortgage Group LLC (“Secured Creditor”) in the total amount of $129,851. 25 The Debtor has indicated that she has not been making the mortgage payments and the 26 Property is in foreclosure and therefore did not claim an exemption in the Property. 27 The Trustee is informed that as of the Petition Date, the arrearages on the mortgage were 28 approximately $12,258.00. Since the Petition Date, the Debtor has failed to make more than three

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1 payments and has indicated that she intends to surrender the Property. The arrearages are 2 increasing daily. 3 A Notice of Trustee’s Sale was recorded against the Property on October 2, 2017 and a 4 trustee’s sale was scheduled for November 6, 2017. The sale was stayed as a result of the Debtor’s 5 bankruptcy filing. 6 On November 9, 2017, the Secured Creditor filed a Motion for Relief from the Automatic 7 Stay (“Stay Motion”), asserting that their interest in the Property is not adequately protected. On 8 November 28, 2017, the Trustee filed his Opposition to the Stay Motion, asserting that the Stay 9 Motion should be denied because based on Secured Creditor’s own admission that there was a 10 sufficient equity cushion (at least 48%) and sufficient equity ($123,351) to adequately protect 11 Secured Creditor’s interest in the Property. The Secured Creditor subsequently withdrew the Stay 12 Motion. 13 C. The Settlement with the Debtor 14 The Debtor has claimed exemptions in her personal property under C.C.P. § 703. In light 15 of the available equity in the Property, the Trustee recognizes that the Debtor may switch to claim 16 exemptions under C.C.P. § 704 and claim up to $100,000 (the “Potential Homestead Exemption”). 17 The Trustee asserts that based on California law and current case law, including the case of 18 Wolfe v. Jacobson (In re Jacobson), 676 F.3d 1193, 1198 (9th Cir. 2012), if a bankruptcy debtor 19 does not reinvest homestead proceeds in a new dwelling within six months of receipt, the proceeds 20 would lose their exempt status. In other words, even if the Debtor utilizes the Potential 21 Homestead Exemption, she may have to return them if she fails to re-invest all of them into 22 another homestead within six months. 23 The Trustee reached an agreement with the Debtor related to the Property and the Potential 24 Homestead Exemption. The terms of the settlement essentially provide for (1) the sale of the 25 Property, (2) the waiver of the Debtor’s Potential Homestead Exemption, and (3) the division of the 26 net sale proceeds such that the Trustee retains 60% for the Estate and the Debtor will receive 40%. 27 As such, with this settlement in place, through a sale of the Property, the Trustee is expected to 28 generate proceeds to provide a meaningful distribution to allowed unsecured claims.

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1 Pursuant to Court Order entered March 12, 2018 (docket number 39), the settlement 2 between the Trustee and the Debtor was approved. 3 D. Broker Employment, Marketing Efforts and Basis for Value of the Property 4 Pursuant to Court Order entered January 30, 2018 (docket number 27), the Trustee was 5 authorized to employ Richard A. Halderman (“Halderman”) as his real estate broker for the 6 Property. Subsequently, on July 12, 2018, the Trustee filed his Application to Employ Richard A. 7 Halderman, Jr. as Independent Realtor and Mary Lou Robinson of United California Realty as 8 Joint Realtors (docket number 46). The Trustee believed that an employment of a co-broker with 9 specific experience in the area would allow for additional exposure to the marketing of the 10 Property. Pursuant to Court Order entered September 17, 2018 (docket number 53), the Trustee 11 was authorized to employ Halderman and Mary Lou Robinson (collectively, “Broker”) as his real 12 estate broker for the Property. The Broker’s listing agreement provides for a real estate 13 commission to be paid of six percent (6%) of the sale price. The Trustee has requested, and the 14 Broker has agreed to a 1.5% carve-out from the commission for the benefit of the Estate. 15 The Estate does not have the funds to obtain a formal written appraisal for the estimated 16 value of the Property. The Broker has more than thirty years of experience in the sale of real 17 property as well as property valuations and is familiar with valuing real property in today’s 18 economic environment. The Broker initially believed that the Property had a value of at least 19 $255,000.00 and recommended to the Trustee that the Property be listed for sale at this amount. 20 Through his Broker, the Trustee has marketed the Property since December 2017. The 21 Broker received twelve inquiries for the Property. While no public open houses were held, the 22 Broker did hold a broker open house. The showing of the Property was challenging as the Debtor, 23 who rescued abandoned birds, dogs and cats, was using the living room as a storage area for bird 24 cages. The Trustee received an all cash offer from an investor for $175,000 but rejected the offer. 25 The offer from the Buyer is the best and highest offer received for the Property. 26 E. Terms of Sale 27 The Buyer has offered to purchase the Property for $200,000.00, subject to overbids. The 28 Buyer is paying all cash and is purchasing the Property “AS IS” without warranties of any kind,

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1 expressed or implied, being given by the Trustee, concerning the condition of the Property or the 2 quality of the title thereto, or any other matters relating to the Property. Attached as Exhibit “1” 3 to the Declaration of Karl T. Anderson (“Anderson Declaration”) is a true and correct copy of the 4 California Residential Purchase Agreement and Joint Escrow Instructions, Seller Counter Offer 5 No. 1 and related addenda (collectively the “Agreement”). 6 F. Treatment of Liens and Encumbrances Through the Sale 7 All costs of sale, including escrow fees and real estate commissions will be paid at closing. 8 In addition, the following chart sets forth the monetary liens and encumbrances against the 9 Property as detailed in the Preliminary Title Report dated August 16, 2018 and supplements 10 (“Title Report”), a true and correct copy of which is attached as Exhibit “2” to the Anderson 11 Declaration, and the proposed treatment of such liens and encumbrances through the sale:

12 Creditor Description Amount Treatment of the Lien Owed Through the Sale 13 (Estimated) 14 San Bernardino Real property taxes $1,027.64 All outstanding real property taxes will County Tax be paid through escrow. 15 Collector (per Proof of Claim No. 5 16 filed January 3, 2018) 17 Gateway Current beneficiary under a $136,854.98 This lien will be paid through escrow on 18 Mortgage Group deed of trust recorded on the sale transaction in the amount as LLC September 2, 2010, (estimated agreed to by the lender. Thus, this lien 19 instrument number 10- payoff good will be released, discharged and 359379. through terminated at the close of escrow and the 20 November 6, and the lien will not attach to the sale 2018; $13.53 proceeds. 21 per day thereafter) 22

23 G. Notice of Bidding Procedures 24 The Trustee has determined that it would benefit the Estate to permit all interested parties 25 to receive information and bid for the Property instead of selling the Property to the Buyer on an 26 exclusive basis. Accordingly, in order to obtain the highest and best offer for the benefit of the 27 creditors of this Estate, the Trustee is utilizing and also seeks Court approval of the following 28 bidding procedures (“Bidding Procedures”): SHULMAN HODGES & BASTIAN LLP 5386-000\50\1275462.1 100 Spectrum Center Drive SUNDERLAND\SALE MTN Suite 600 7 Irvine, CA 92618

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1 1. Potential bidders must bid an initial amount of at least $5,000.00 over the Purchase Price, or $205,000.00. Minimum bid increments thereafter shall be $1,000.00. The Trustee shall 2 have sole discretion in determining which overbid is the best for the Estate and will seek approval from the Court of the same. 3 2. Bids must be in writing and be received by the Trustee or his counsel on or before 4 5:00 p.m. (California time) on November 1, 2018 (three business days prior to the hearing on this Sale Motion). 5 3. Bids must be accompanied by certified funds in an amount equal to three percent 6 (3%) of the overbid purchase price. 7 4. The bidder must also provide evidence of having sufficient specifically committed funds to complete the transaction or a lending commitment for the bid amount and such other 8 documentation relevant to the bidder’s ability to qualify as the purchaser of Property and ability to close the sale and immediately and unconditionally pay the winning bid purchase price at closing. 9 5. The bidder must seek to acquire the Property on terms and conditions not less 10 favorable to the Estate than the terms and conditions to which the Buyer has agreed to purchase the Property as set forth in the Agreement with the Buyer including no contingencies and closing 11 on the sale in the same time parameters as the Buyer. 12 6. All competing bids must acknowledge that the Property is being sold on an “AS IS” basis without warranties of any kind, expressed or implied, being given by the Seller, 13 concerning the condition of the Property or the quality of the title thereto, or any other matters relating to the Property. The competing bid buyer must represent and warrant that he/she is 14 purchasing the Property as a result of their own investigations and are not buying the Property pursuant to any representation made by any broker, agent, accountant, attorney or employee acting 15 at the direction, or on the behalf of the Seller. The competing bidder must acknowledge that he/she has inspected the Property, and upon closing of Escrow governed by the Agreement, the 16 Buyer forever waives, for himself/herself, their heirs, successors and assigns, all claims against the Debtor, his attorneys, accountants, agents and employees, the Debtor’s Estate, Karl T. Anderson 17 as Trustee and individually, and his attorneys, Shulman Hodges & Bastian LLP, his agents and employees, arising or which might otherwise arise in the future concerning the Property. 18 7. If overbids are received, the final bidding round shall be held at the hearing on the 19 Sale Motion (November 6, 2018 at 11:00 a.m., California Time, at the U.S. Bankruptcy Court, Video Courtroom 126, 3420 Twelfth Street, Riverside, CA 92501), or if rescheduled, 20 upon telephonic notice to the Buyer and the parties having submitted overbids in order to allow all potential bidders the opportunity to overbid and purchase the Property. At the final bidding round, 21 the Trustee in the exercise of his business judgment and subject to Court approval, accept the bidder who has made the highest and best offer to purchase the Property, consistent with the 22 Bidding Procedures (“Successful Bidder”). 23 8. At the hearing on the Sale Motion, the Trustee will seek entry of an order, inter alia, authorizing and approving the sale of the Property to the Successful Bidder. The hearing on 24 the Sale Motion may be adjourned or rescheduled without notice other than by an announcement of the adjourned date at the hearing on the Sale Motion. 25 9. In the event the Successful Bidder fails to close on the sale of the Property within 26 the time parameters approved by the Court, the Trustee shall retain the Successful Bidder’s Deposit and will be released from the obligation to sell the Property to the Successful Bidder and 27 the Trustee may then sell the Property to the First Back-Up Bidder approved by the Court. 28

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1 10. In the event First Back-Up Bidder fails to close on the sale of the Property within the time parameters approved by the Court, the Trustee shall retain the First Back-Up Bidder’s 2 Deposit and will be released from his obligation to sell the Property to the First Back-Up Bidder and the Trustee may then sell the Property to the Second Back-Up Bidder approved by the Court. 3 The Bidding Procedures will be provided to all creditors and any potential bidders or 4 parties who have shown an interest in the Property. A Notice of Sale of Estate Property will be 5 filed with the Court for posting on the Court’s website under the link “Current Notices of Sales”, 6 thereby giving notice to additional potential interested parties. The Broker will update the 7 Multiple Listing Service to reflect the Bidding Procedures. Based on the foregoing, the Trustee 8 believes that under the circumstances of this case, the Property will have been appropriately 9 marketed for bidding. 10 H. Tax Consequences 11 The Trustee is informed that the Property was the Debtor’s principal residence for periods 12 aggregating two years or more during the five years prior to the Petition Date. As such, under 13 Internal Revenue Code §121 (which provides for exclusion of a gain from sale of a principal 14 residence), the amount of any gain on the sale of the Property will be excluded from taxable 15 income up to $250,000 (for a single person and $500,000 for a married couple). As such, the 16 Trustee believes there will be no tax liability from the sale. 17 II. ARGUMENT1 18 A. The Property is Property of the Debtor’s Bankruptcy Estate. 19 Section 541 of the Bankruptcy Code provides in part as follows: 20 (a) The commencement of a case under section 301, 302 or 303 of this title 21 creates an estate. Such estate is comprised of all the following property, wherever located and by whomever held: 22 (1) Except as provided in subsection s (b) and (c)(2) of this section, all 23 legal or equitable interests of the debtor in property as of the commencement of the case. 24 See 11 U.S.C. § 541(a)(1). Section 541 of the Bankruptcy Code is broadly construed to include all 25 property interests, whether reachable by state-law creditors or not, and whether vested or 26 contingent. United States v. Rauer, 963 F.2d 1332 (10th Cir. 1992); In re Yonikus, 996 F.2d 866 27 28 1 Although Local Bankruptcy Rule 6004-1(c)(2)(C) does not require that a memorandum of points and authorities be filed in support of the Sale Motion, the Trustee is nevertheless submitting one. SHULMAN HODGES & BASTIAN LLP 5386-000\50\1275462.1 100 Spectrum Center Drive SUNDERLAND\SALE MTN Suite 600 9 Irvine, CA 92618

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1 (7th Cir. 1993) (virtually all property of debtor becomes property of estate; in fact, every 2 conceivable interest of debtor, including future, non-possessory, contingent, speculative, and 3 derivative, is within the scope of Section 541). The Property belongs to the bankruptcy estate as 4 set forth in Section 541(a) of the Bankruptcy Code. 5 B. There is Good Business Reason for the Sale and the Sale is in the Best Interest of the 6 Estate. 7 The duties of a trustee in a Chapter 7 filing are enumerated in Section 704 of the 8 Bankruptcy Code, which provide in relevant part as follows: 9 (a) The trustee shall—

10 (1) collect and reduce to money the property of the estate for which such trustee serves, and close such estate as expeditiously as is 11 compatible with the best interests of parties in interest;

12 (2) be accountable for all property received;

13 11 U.S.C. § 704. 14 Further, the Trustee, after notice and hearing, may sell property of the estate. 11 U.S.C. § 15 363(b). Courts ordinarily will approve a proposed sale if there is a good business reason for the 16 sale and the sale is in the bests interests of the estate. In re Wilde Horse Enterprises, Inc., 136 17 B.R. 830, 841 (Bankr. C.D. Cal. 1991); In re Lionel Corp., 722 F.2d 1063, 1069 (2d Cir. 1983). 18 In this case, the facts support the Trustee’s business decision that the proposed sale is in the best 19 interests of the Estate and its creditors. The Trustee expects to generate net proceeds of 20 approximately $30,670.43, calculated as follows: 21 Sale Price (or an amount as increased by successful overbid) $200,000.00 22 Less real estate commission (6%) and costs of sale (estimated at 2%) ($16,000.00) 23 Less delinquent and outstanding pro-rated property taxes (estimated) ($1,027.64) 24 Less payment to Secured Creditor (good through 11/6/18) ($136,854.98) Estimated Net Sale Proceeds $46,117.38 25 Less 40% payment to the Debtor under the settlement ($18,446.95) 26 Plus carve-out to the Estate from broker commission $3,000.00 27 Net Proceeds to the Estate (60% of the net sale proceeds and carve- $30,670.43 28 out from broker commission)

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1 The Trustee believes that it is in the best interest of the Estate and its creditors to sell the 2 Property as set forth herein. If the sale is approved, unsecured creditors are expected to receive a 3 distribution.2 With the defaulted mortgage payments and real property taxes increasing every 4 month, the Trustee believes the Property must be sold as soon as possible in order to maximize the 5 benefit for the Estate. Accordingly, there is a good business reason for the sale and the sale is in 6 the best interests of the Estate. 7 C. Request for Payment of Real Estate Commission to Broker. 8 Section 328 of the Bankruptcy Code allows employment of a professional person under 9 Section 327 “on any reasonable terms and conditions of employment, including on a retainer, on 10 an hourly basis, on a fixed or percentage fee basis, or on a contingent fee basis.” 11 U.S.C. § 11 328(a). Through this Motion, the Trustee seeks authorization to pay a real estate broker 12 commission in the amount of $12,000.003 to be split as follows:

13 Trustee (carve-out for the Estate) 1.5% (or $3,000.00) 14 Trustee’s Broker, Richard A. Halderman, Jr. 2.5% (or $5,000.00) ($1,750.00) and Mary Lou Robinson of United 15 California Realty ($3,250.00) Buyer’s broker, Elizabeth Quintero of Goodspeed 2% (or $4,000.00) 16 Group Inc. 17 Total 6% (or $12,000.00)

18 19 D. The Court Has the Authority to Approve the Bidding Procedures. 20 Implementing the Bidding Procedures is an action outside of the ordinary course of the 21 business. Bankruptcy Code Section 363(b)(1) provides that a trustee “after notice and hearing, 22 may use, sell or lease, other than in the ordinary course of business, property of the estate.” 11 23 U.S.C. § 363(b)(1). Furthermore, under Bankruptcy Code Section 105(a), “[t]he court may issue 24 any order, process, or judgment that is necessary or appropriate to carry out the provisions of this 25 title.” 11 U.S.C. § 105(a). Thus, pursuant to Bankruptcy Code sections 363(b)(1) and 105(a), this 26 2 The Court’s Claims Register indicates that as of September 21, 2018, there is one priority claim filed of 27 $4,555.16, and general unsecured claims totaling $35,194.95. 28 3 The total amount of real estate broker’s commission will increase if the purchase price for the Property is increased by a successful overbid; but in no event will exceed six percent (6%) of the final purchase price. SHULMAN HODGES & BASTIAN LLP 5386-000\50\1275462.1 100 Spectrum Center Drive SUNDERLAND\SALE MTN Suite 600 11 Irvine, CA 92618

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1 Court may approve the Bidding Procedures, which will assist the Trustee to obtain the best 2 possible price on the best possible terms for the Property. 3 E. The Court has the Authority to Waive the Fourteen-Day Stay of Sale 4 Federal Rule of Bankruptcy Procedure 6004(h) provides that “[a]n order authorizing the 5 use, sale or lease of property other than cash collateral is stayed until the expiration of 14 days 6 after entry of the order, unless the Court orders otherwise.” Fed. R. Bankr. P. 6004(h). 7 The Trustee desires to close the sale as soon as practicable after entry of an order 8 approving the sale. Accordingly, the Trustee requests that the Court, in the discretion provided it 9 under Federal Rule of Bankruptcy Procedure 6004(h), waive the fourteen (14) day stay 10 requirement. 11 III. CONCLUSION 12 WHEREFORE, based upon the foregoing, the Trustee respectfully submits that good 13 cause exists for granting the Sale Motion and requests that the Court enter an order as follows: 14 1. Approving the Bidding Procedures set forth above for the sale of the Property. 15 2. Authorizing the Trustee to sell the Property on an as-is, where-is basis, without any 16 warranties or representations, to the Buyer (or Successful Bidder) pursuant to the terms and 17 conditions as set forth in the Agreement attached as Exhibit “1” to the Anderson Declaration. 18 3. Authorizing the sale of the Property free and clear of liens with treatment of liens 19 as set forth in the Sale Motion. 20 4. Authorizing the Trustee to sign any and all documents convenient and necessary in 21 pursuit of the sale as set forth above, including but not limited to any and all conveyances 22 contemplated by the Agreement attached as Exhibit “1” to the Anderson Declaration. 23 5. Approving the payment of the real estate commission of 4.5% to be split between 24 the Trustee’s Broker and the Buyer’s broker, and a carve-out of 1.5% for the Estate, so as to not 25 exceed a total of 6% of the final purchase price. 26 6. Authorizing the Trustee to pay the following from the proceeds of the sale of the 27 Property through escrow: (i) all costs of sale, including escrow fees at closing as allocated in the 28

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1 Agreement, (ii) all real estate taxes owed to the Tax Collector, and (iii) all amounts owed to the 2 Secured Creditor. 3 7. A determination by the Court that the Buyer is in good faith pursuant to 4 Bankruptcy Code Section 363(m). 5 8. Waiving the fourteen day stay of the order approving the sale of the Property under 6 Federal Rules of Bankruptcy Procedure 6004(h). 7 9. For such other and further relief as the Court deems just and proper under the 8 circumstances of this case. 9 Respectfully submitted,

10 SHULMAN HODGES & BASTIAN LLP

11

12 DATED: October 15, 2018 By: /s/ Lynda T. Bui 13 Lynda T. Bui Attorneys for Karl T. Anderson, Chapter 7 trustee for 14 the bankruptcy estate of Rozann Sunderland 15

16 17 18 19 20 21 22 23 24 25 26 27 28

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1 DECLARATION OF KARL T. ANDERSON 2 I, Karl T. Anderson, declare: 3 1. I am the duly appointed, qualified and acting Chapter 7 trustee for the bankruptcy 4 estate of In re Rozann Sunderland (“Debtor”), Case No. 6:17-bk-18870-SC. I have personal 5 knowledge of the facts set forth herein, and if called and sworn as a witness, I could and would 6 competently testify thereto, except where matters are stated on information and belief, in which 7 case I am informed and believe that the facts so stated are true and correct. 8 2. I make this Declaration in support of my Motion for Order: (1) Approving the Sale 9 of Real Property of the Estate Pursuant to Bankruptcy Code Section 363(b) Subject to Overbids 10 and Request for Approval of the Bidding Procedures Utilized; (2) Approving Payment of Real 11 Estate Commission; and (3) Granting Related Relief (“Sale Motion”). All capitalized terms not 12 otherwise defined herein shall have the meaning set forth in the Sale Motion. 13 3. I have read and I am aware of the contents of the Sale Motion and the 14 accompanying Memorandum of Points and Authorities. The facts stated in the Sale Motion and 15 the Memorandum of Points and Authorities are true to the best of my knowledge. 16 4. The Debtor’s Schedule A/B, item 1, lists an ownership interest in the Property. The 17 Debtor’s Schedule A/B lists the value of the Property at $246,000 and her Schedule D lists a lien 18 in favor of Gateway Mortgage Group LLC (“Secured Creditor”) in the total amount of $129,851. 19 The Debtor has indicated that she has not been making the mortgage payments and the Property is 20 in foreclosure and therefore did not claim an exemption in the Property. 21 5. I am informed that as of the Petition Date, the arrearages on the mortgage were 22 approximately $12,258.00. Since the Petition Date, the Debtor has failed to make more than three 23 payments and has indicated that she intends to surrender the Property. The arrearages are 24 increasing daily. 25 6. A Notice of Trustee’s Sale was recorded against the Property on October 2, 2017 26 and a trustee’s sale was scheduled for November 6, 2017. The sale was stayed as a result of the 27 Debtor’s bankruptcy filing. 28

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1 7. On November 9, 2017, the Secured Creditor filed a Motion for Relief from the 2 Automatic Stay (“Stay Motion”), asserting that their interest in the Property is not adequately 3 protected. On November 28, 2017, I filed my Opposition to the Stay Motion, asserting that the 4 Stay Motion should be denied because based on Secured Creditor’s own admission that there was 5 a sufficient equity cushion (at least 48%) and sufficient equity ($123,351) to adequately protect 6 Secured Creditor’s interest in the Property. The Secured Creditor subsequently withdrew the Stay 7 Motion. 8 8. The Debtor has claimed exemptions in her personal property under C.C.P. § 703. 9 In light of the available equity in the Property, I recognize that the Debtor may switch to claim 10 exemptions under C.C.P. § 704 and claim up to $100,000 (the “Potential Homestead Exemption”). 11 9. I assert that based on California law and current case law, including the case of 12 Wolfe v. Jacobson (In re Jacobson), 676 F.3d 1193, 1198 (9th Cir. 2012), if a bankruptcy debtor 13 does not reinvest homestead proceeds in a new dwelling within six months of receipt, the proceeds 14 would lose their exempt status. In other words, even if the Debtor utilizes the Potential 15 Homestead Exemption, she may have to return them if she fails to re-invest all of them into 16 another homestead within six months. 17 10. I have reached an agreement with the Debtor related to the Property and the 18 Potential Homestead Exemption. The terms of the settlement essentially provide for (1) the sale 19 of the Property, (2) the waiver of the Debtor’s Potential Homestead Exemption, and (3) the 20 division of the net sale proceeds such that the Estate retains 60% for the Estate and the Debtor will 21 receive 40%. As such, with this settlement in place, through a sale of the Property, I expect to 22 generate proceeds to provide a meaningful distribution to allowed unsecured claims. 23 11. Pursuant to Court Order entered March 12, 2018 (docket number 39), the 24 settlement between the Estate and the Debtor was approved. 25 12. Pursuant to Court Order entered January 30, 2018 (docket number 27), I was 26 authorized to employ Richard A. Halderman (“Halderman”) as my real estate broker for the 27 Property. Subsequently, on July 12, 2018, I filed my Application to Employ Richard A. 28 Halderman, Jr. as Independent Realtor and Mary Lou Robinson of United California Realty as

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1 Joint Realtors (docket number 46). I believed that an employment of a co-broker with specific 2 experience in the area would allow for additional exposure to the marketing of the Property. 3 Pursuant to Court Order entered September 17, 2018 (docket number 53), I was authorized to 4 employ Halderman and Mary Lou Robinson (collectively, “Broker”) as my real estate broker for 5 the Property. The Broker’s listing agreement provides for a real estate commission to be paid of 6 six percent (6%) of the sale price. I have requested, and the Broker has agreed to a 1.5% carve-out 7 from the commission for the benefit of the Estate. 8 13. The Estate does not have the funds to obtain a formal written appraisal for the 9 estimated value of the Property. The Broker has more than thirty years of experience in the sale of 10 real property as well as property valuations and is familiar with valuing real property in today’s 11 economic environment. The Broker initially believed that the Property had a value of at least 12 $255,000.00 and recommended to me that the Property be listed for sale at this amount. 13 14. Through his Broker, I have marketed the Property since December 2017. The 14 Broker received twelve inquiries for the Property. While no public open houses were held, the 15 Broker did hold a broker open house. The showing of the Property was challenging as the Debtor, 16 who rescued abandoned birds, dogs and cats, was using the living room as a storage area for bird 17 cages. I received an all cash offer from an investor for $175,000 but rejected the offer. The offer 18 from the Buyer is the best and highest offer received for the Property. 19 15. Through my Broker, I have received an offer from the Buyer to purchase the 20 Estate’s interest in the Property for $200,000.00, subject to overbids. A true and correct copy of 21 the California Residential Purchase Agreement and Joint Escrow Instructions, Seller Counter 22 Offer No. 1 and related addenda (collectively the “Agreement”) is attached hereto as Exhibit “1.” 23 16. The Preliminary Title Report lists the liens and encumbrances against the Property. 24 A chart describing the liens, claims or interests impacting the Property and their treatment through 25 /// 26 /// 27 /// 28

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1 the sale is set forth in the Sale Motion. Attached hereto as Exhibit "2" is a true and correct copy

2 of the Preliminary Title Report and supplements thereto.

3 17. E am informed that the Property was the Debtor's principal residence for periods 4 aggregating two years or more during the five years prior to the Petition Date. As such, under

5 Internal Revenue Code §121 (which provides for exclusion of a gain from sale of a principal

6 residence), the amount of any gain on the sale of the Property will be excluded from taxable

7 income up to $500,000. As such, I do not believe there will be any tax liability from the sale.

8 18. The sale of the Property is anticipated to net the Estate approximately $30,670.43,

9 which will benefit the Estate by providing funds for distribution to holders of unsecured claims.

I () 19. I believe that good cause exists to grant the Sale Motion including approval of the

I' Bidding Procedures to ensure receiving the highest and best offer for the Property. The Bidding

12 Procedures will be provided to all creditors and any potential bidders or parties who have shown

13 an interest in the Property. In addition, the Court's mandatory form Notice of Sale of Estate 14 Property will be filed with the Court so that notice of the sale of the Property may be posted on the

15 Court's website under the link "Current Notices of Sales," thereby giving notice to any potential

16 interested parties. Based on the foregoing, I believe that under the circumstances of this case, the 17 Property will have been appropriately marketed for bidding.

18 20. For the reasons set forth in the Sale Motion and this Declaration, I respectfully

19 request that the Court grant the Sale Motion so that E do not lose this favorable business 20 opportunity to net a substantial amount of money for the Estate.

21 I declare under penalty of perjury under the laws of the United States of America that the

22 foregoing is true and correct.

23 Executed on October 7018, at Palm Springs, California.

24 25 Karl T. Anderson 26

27 28 SHULMAN HODGES & BASTIAN Lit 5386-000150\ 1275462.1 ISO Spectrum Center Drive SUNDERLAND\SALE MIN Suite 600 18 Irvine, CA 92618 Case 6:17-bk-18870-SC Doc 60 Filed 10/15/18 Entered 10/15/18 13:56:12 Desc Main Document Page 23 of 65

1 DECLARATION OF RICHARD A. HALDERMAN, JR. 2 I, Richard A. Halderman, Jr., declare and state as follows: 3 1. I am over the age of eighteen years old and if called upon as witness, I could and 4 would competently testify to the following of my own personal knowledge, information and 5 belief. 6 2. I make this Declaration in support of the Motion for Order: (1) Approving the Sale of 7 Real Property of the Estate Pursuant to Bankruptcy Code Section 363(b) Subject to Overbids and 8 Request for Approval of the Bidding Procedures Utilized; (2) Approving Payment of Real Estate 9 Commission; and (3) Granting Related Relief (“Sale Motion”) filed by Karl T. Anderson, the 10 Chapter 7 Trustee for the bankruptcy estate of In re Rozann Sunderland (“Debtor”), Case No. 11 6:17-bk-18870-SC. Capitalized terms not otherwise defined herein shall have the meaning set 12 forth in the Sale Motion. 13 3. I am real estate broker licensed under the laws of the State of California. I have 39 14 years of experience in the sale of real property as well as property valuations and am familiar with 15 valuing real property in today’s economic environment. After conducting an on-site inspection 16 and a review of comparable sales of similar properties, I informed the Trustee that the Property 17 was worth approximately $255,000.00 and I recommended listing the Property for sale at that 18 amount. The listing price was determined on comparable sales of similar properties in the area 19 and the condition of the Property. 20 4. The Property has been on the market since December 2017. The Property has been 21 advertised in the Multi-Regional Multiple Listing Service, for sale signs were posted at the 22 Property, advertisements were placed in local newspapers and open houses have been conducted. 23 While no public open houses were held, I did hold a broker open house. The showing of the 24 Property was challenging as the Debtor, who rescued abandoned birds, dogs and cats, was using 25 the living room as a storage area for bird cages. I presented the Trustee with an all cash offer from 26 an investor for $175,000, but the Trustee rejected the offer. The offer from the Buyer is the best 27 and highest offer received for the Property. 28

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I 5. The Trustee's application to employ me as his real estate broker for the Property was

2 approved by Court order entered on January 30, 2018 (docket number 27). Subsequently, on July

3 12, 2018, the Trustee filed his Application to Employ Richard A. Halderman, Jr. as Independent

4 Realtor and Mary Lou Robinson of United California Realty as Joint Realtors (docket number

5 46). The Trustee believed that an employment of a co-broker with specific experience in the area

6 would allow for additional exposure to the marketing of the Property. Pursuant to Court Order

7 entered September 17, 2018 (docket number 53), the Trustee was authorized to employ me and

8 Mary Lou Robinson ("Ms. Robinson") as his co-brokers for the Property.

9 6. The listing agreement for the Property provides for a real estate commission to be

10 paid in the amount not to exceed six percent of the sale price. The selling broker is Goodspeed

11 Group Inc. through its sales agent Elizabeth Quintero ("Selling Broker"). The Selling Broker, Ms.

12 Robinson and I have agreed that the real estate commission to paid for sale of the Property may be

13 reduced to 4.5% (or $9,000), with $4,000 to the Selling Broker, $3,250.00 to Ms. Robinson and

14 $1,750.00 to me, and 1.5% (or $3,000) to inure to the benefit of the Estate.

15 I declare under penalty of perjury pursuant to the laws of the United States of America that

16 the foregoing is true and correct.

17 EXECUTED on October 2018 at Newport Beach, California.

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SHULMAN HODGES 8, 5386-000\50\1275462.1 BASTIAN LLP 00 Spectrum Center Drive SUNDERLAND\SALE MTN Suite 600 20 Irvine, CA 92610 Case 6:17-bk-18870-SC Doc 60 Filed 10/15/18 Entered 10/15/18 13:56:12 Desc Main Document Page 25 of 65

Exhibit “1” Purchase Agreement

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CALIFO'INLA AS ADDENDUM 1.1 ler, OP REALTORS° (c.AR.. Funs ADM, Revised 12)15) No. /

The following terms and conditions are hereby lncorporated in arid made a part of the: 0 Purchase Agreement, G Residential Lease or Month-to-tionth Rental Agreement, °Transfer Di3closure Statement (Note: An amendment to the TOS may give the Buyer a right to rescind), Li Other dated August 2, 2ü18 , an property known BB /4361 Caroline St Adelanto, CA 92301.5504 In which Harr:loth D. Terronesi_Wrika L Ten-onus Is referred to as ("Seer/Tenant") and Karl Anderson Chapter 7 Trustee is referred to as ('Setter/Landlord").

f. Property Is beIng_sold In AS IS condition with no expressed or implied warranties. 2 Sale Is subject to Bankruptcy court approval and overbid.

The foregoing terms and conditions are hereby agreed to. and the undersigned ackhol, 09444ei 19 Date 39t PeA ;',OT ()Date

Buyerrenent 2 -ms Seller/Landlor Harnieth D. Terrones Ka7(nderson ,Citer 7 Trustee 084.14;73, O4 -C4 PM POT Buyer/Tenant Uiri>a E. Terrones Seiler/Landlord Ulrike L Terrones

16G-2O15. Ceibmid A/meal:Al et REALTORS, ric. United SIatos cap'/het low (Title 17 U.S. Coda) Iwtids the unauvr.rehed xiIseiruten. dspby &tiJrapreduz.-tion of eta km. er any pardon dleraof. Dy pheIeeepy rnuchIne of any carer means, ;ndudIetg fartmio or col-melon:ad formats. if es row HAS eEts APPROVED BY THE CALIFORNIA ASSOCIATION OF leiu,TORSO (CAR.), NO RE PRESENYATmN IS MADE AS TO THE LEGAL VALICrY OR ACCURACY OF ANY PROVISION IN ANY SPECIFIC TPAkISACTION. A REAL ESTATE eRoxfaz is »11-4E PERSON QUALIFIED 10 ADVISE ON REAL ESTATE Tr-buismrrioNs. IF YCU DESIRE LEGAL OR TAX ADVICE. CONSULT AN APPROPRIATE PROFESSIONAL TbIa Rem made watetet at estate prekssionak ewe% an Agreement *eh Of puritnan tern the r.aettea Assectaton et REALTOR. It e not Intended to lee,/ the user as a RE.A.LTORS. REALTORS '3 3 Mgt toted cateNti 'i‘Orr,beruhi>": mark ',eel may be used only by members as ere NATIONAL ASSOCIATION CF REALTORS:» vrt= sub write to Ls Cede eIEtnises, Putiteed and De:exited by: # REAL ESTATE auserEtia SERVICES. INC. gi, u subsidary of (1» Wernk A3steaten niRrALTORSse SUBJECT TO ' . 525 South wo Amite, Les Angela*, CuAcznia 90320 ADM REVISED 12/15 (PAGE 1 OF 1) COUNTER ORFER ADDENDUM (ADM PAGE 1 OF 1) Caterttis Nee. Me Saar Vert ad Yietw-541», 4•4,1 744.415-2319 Fax:M-23549n Muy ktabtawra Praftmel with e:Fore*3 by 7,41x9x 100/0 Fete*, Ai awe., rraehr, eiCid itseudax„,422C1

EXHIBIT "1" Page 21 Case 6:17-bk-18870-SC Doc 60 Filed 10/15/18 Entered 10/15/18 13:56:12 Desc Main Document Page 27 of 65

be, CALIFORNIA ASSOCIATION SELLER COUNTER OFFER No °NE OF REALTOR.S May not be used as a multiple counter offer, SCO, 11)14) In re Sunderland , Rozann Chapter 7 Etc. #6: 17-11 • •:.e;'• • -2: ••••••--‘..-• -t -• ate August 13, 2018 This is a counter offer to the: e California Residential Purchase Anreemenl, 0 Buyer Colm(er Offer No.D") orn Other ("Offer"), dated Au ut 2 2018 ‚on property Xnown as 1.43b1 Caroline St., Act eian to , C.17-52501 ("Property, .?•¡ between 11 m ieth Ulrike Te rrones ("Buy-jrly- e-ricTICárl And er eon , Chape 7—V.ristere (seller).

1. TERMS: The terms and conditions of the above referenced document are accepted subject to the Following: A. Paragraphs In the Offer that require ililticia by all parties, but are not Initialed by all parties, are excluded from the final agreement unless specifically referenced for inclusion In paragraph 1C of this or another Counter Offer or an addendum, B. Unless otherwise agreed In writing, down payment and loan amount(s) will be adjusted In the same proportion as in the original Offer. C. OTHER TERMS: 1. Isc.row to be with AmberGate Escrow, Riverside. 2. Title insurance to be with First Anteriz.ani

•••••••••••••••••••••••

D. The following. attached addenda are Incorporated into this Seller Counter offer: D Addendum No.

2. EXPIRATION: This Seller Counter Offer shall be deemed revoked and the deposits. if any, shall be returned: A. Unless by 5:.00prn on the third Day Altar the date it is end In paragraph 3 (if more than one signature (hen, the last signature date)(or by 0 AM 0 PM an (date)) (I) it is signed in paragraph 4 by Buyer and (ii) a copy of the signed Seller Countpr Offer is personally received by Seller or Mary* Lou Robinson ., who is authorized to receive it. OR B. if seller withdraws it in writing (CAR Form WOO) anytime prior te Acceptance.

FFER: SELLER MME HI COLIN R or «us ABOVE AND ACKNOWLEDGES RECEIPT 0 CO??. oiler -.21,-- ate V/ /2o1120 Seller Ifs tee, _. Dale ii -4

ACCEPTANCE: UWE accept the above Seller Counter Offer (If checked O SUBJECT TO THE ATTACHED COUNTER OPFER) and acknowledge receipt 06/161201$ 9 of a Copy. Harnleth D. Terrones 10:06 PM PDT Buyer Ilactlefh 12 7-erviza Date Time AM/PM ›..,". et--Litrika.Eierrones Date fuem'spoT _ lime PAM/PM';'.4 Buyer --etrihrE7f5Mines I! CONFIRMATION OP ACCEPTANCE:

) (Initials) Confirmation of Acceptanco: A Copy of Signed Acceptance) %.• a &serially received by Seller, or Seller's atiihc.)- rin d agent as specified In paragraph 2A on (date) S [0. at AM/PM. A binding Agreement Is created 1 when a Copy of Signed Acceptance is personally received by Seiler or Seileris auffiàrizod agent whether or not confirmed In this document.

© MK California Assocletlen Of REALTORS« Inc. United Stales cooyret low (Title 17 U.S. Code) lorbids the unauthorized dintribut;on. eplay and reproatictloa of INS form, or arty ponton thetool. by photocopy machine or any other means, inchnng facsimile or comnutorized formals. THIS FORM HAS DEEN APPROVED BY THE CALIFORNIA ASSOCiATION OF REALTCRSn (C NO REPRESENTATION IS MADE AS TO THE LEGAL VALIDITY. OR ACCURACY OF ANY PROVISION IN ANY SPECIFIC TRANSACTION. A nFAL ESTATE BROKER iS THE PERSON OUALIFtED TO novise ON REAL ESTATE 1 TRANSACTIONS. IF YOU DESIRE tEGAL OR TAX-ADVICE, CONSULT AN APPROPRIATE PROFESSIONAL. This ham la made mailable to mal estate professionals through an agroomon putchan hamthu California Alsocialion &REAL-W.111s not intorl ded to Idehlle as n REALTORS, REALTOR ha is e regiterecf col:ectivo membership marls which may ha tisod only by members ol lho NATIONAL ASSOCIATION OF REALTORSO vitiOtheuser sub(' exibo lo Its Carlo el Ethics.

Published and Diolnbo1d 1.rs: REAL ESTATE SUSINESS SERVICES, INC. n subsIdIary of Ilmo Califórnin Agsociation of REALTORS' teMAL140051e6 I 925 South VIIOII Avenue, Los Angeles, California 50020 Roviewed by Onto Ott 08M/31111 SCO 11/14 (PAGE 1 OF 1) Print sate Apr 10 TER COPY

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4- CAL(FORNIA CALIFORNIA ASSOCIATION RESIDENTIAL PURCHASE AGREEMENT NO we ire.« OF REA LT RS2' AND JOINT ESCROW INSTRUCTIONS (C.A.H. Form RPA-CA Revised 12)15)

Date Prepared: 08/0212018 1. OFFER: A. THIS IS AN OFFER FROM Hamieth D. Terrones, (Erik., E. Terronos (»Buyer,. B. THE REAL PROPERTY to be acAuirodiS 1.1381 *reline Street, Adolanto, CA 92301 • situated in Adelanto _(City), San Bernardino (Cotrty), California, 02301 Rip Code), Assessces Parr.el No. 3103682010000 ("Properly"). C. THE PURCHASE PRICE offered is Two Hundred Thousand Collars $ 200,0110.00 D. CLOSE OF ESCROW she'', °cox L (cIate)(orl_M 15 Days After -Acceptance). E. Buyer and See; are referred to herein as the 'Parties: Brokers ree not Parties to this Agreement. 2. AGENCY: A. DISCLOSURE: The Parties each aeknowledge receipt of a g•DIsdoSUr0 Regardir.g Real Estate Agency Relationships" (CAR. Form AD). B. CONFIRMATION; Tho loilowing agency reletionshipe are hereey confirmed for this trenenetlen: Listing Agent United California Realty ENR (Print Firm Name) Is the agent of (cheek one): me Steer excluelvely; er L! both the Buyer and Seller. Selling Agent Goodepeed Group loc. (Print Firm Name) (1 not the same as the Listieg Agent) is the agent of (deck ono): fthe Buyer exclusive, or the Seter exc.:wily*: or Ube the Buyer and Seiler. C. POTENTIALLY COMPETING BUYERS AND SELLERS: The Parties each acknowledge receipt of a WPossible Representation of More than One Buyer or Setier. Disclosure and Consent' (CAR. Form PRBS), 1 FINANCE TERMS: Buyer represents that funds will be geed when deposited w:th Escrow Heider. A. INITIAL DEPOSIT: Deposit shall be in the amount of 2,000.00 (1) Buyer Direct Deposit: Beyer snot deliver deposit directly to Escrow Helder by electronic funds Waverer, Dcashier's chock. Li pereonel check, ¡other Wire Transfer within 3 bitainess days alt« Aceeptaece (or ): OR (2) D Buyer Deposk with Agate: Buyer has given tee depute by personal chezee (or to the agent submitting the offer (or to ), made payable to . The deposit shall be hold uncashed until Acceptance and then deposited with Escrow Holder within 3 business days after Acceptance (or ). Deposit checks given to agent shall be an odenel signed check and not a copy. (Note: Initial and Increased deposits chocks received by agent shall be tree:weed In Blekar'S trust furd log.) B. INCREASED DEPOSIT: Bu yee shtIdeposwLh Ezteow Holder en increezeu deposit in the amount of . within _Days After Acceptance (or if he Pates agree to lieueleted denegos in ite Agreernere hey alto agree to in=rporare the !nee-ewe +Amos it into tha liquidated damages amount In a a 9p arato lizuidated durnnurto daunt.* (C..A.R.. Form RID) ut the Ume the increased deposit is delivered to Escrow Holder. C. M ALL CASH OFFER: Na lean a needed to purchase the Propety. This offer Is NOT ccntingent on Buyer Obtaining a loan. Vermeil verificatian cf sufficient funds to close this transaction 15 ATTACHED to this offer or Buyer shell, within 3 (or ) Days After Acceptance, Deliver to Seller such year:alien. LOAN(S); (1) FIRST LOAN; in the amount of 5 This loan will be conventional financing or FHA. n VA. H Seiler financing (CAR. Form SPA), asSurnad financing (CAR. Form AFA), n Other . This loan shell ha at a fixed rate netto exceed %or, Dan aCeusteble rate loan with irdtal rate rot lo exceed %. Regardless of the typo of loan, Buyer shall pay points not to exceed % of the loon amount. (2) E.) SECOND LOAN in the amount of This loan will be conventional financing or n Seller finencIng (CAR. Form SEA), assumed financing (CAR. Form Ai:A), 3 Other . This ioan shall be at a fixed rate net to exceed %or, an Ku table rato loan with initial rate nette exceed %. Regardless of the type of on, Buyer shall pay points not to exceed % of the loan amount. (3) FHANA: For any FHA or VA loon specified in 30(1), Buyer has 17 (or ) Days After Acceptance to Deliver to Seller wren notice (CAR. Farm FVA) of any lender-required repairs or costs that Buyer requests Seller to pay for or otherwise correct. Seller has no celigaeon to pay or satisfy lender requiternente unless agreed In writing. A FHA/VA emendatory clataa (C.A.R. Form FiVAC) shall be a pert of this Agreement. E. ADDITIONAL FINANCING TERMS:

F. BALANCE OF DOWN PAYMENT OR PURCHASE PRICE In the amount of 198,000.00 to be deposited with Escrow Holder pursuant to Escrow Holder instructions. G. PURCHASE PRICE (TOTAL). 200.000.00

Buyer's lards X( 107-)X( (:),Nt,th 111113a ) O 1591-2015. Caijornia A330dafen of REALTCRS®, iC2:11 RPA-CA REVISED 12115 (PAGE 1 OF 10) CALIFORNIA RESIDENTIAL PURCHASE AGREEMENT (RPA-CA PA 000ese5ee eseee ne,„, I 4$6$ ¡Scar Valie RA 13;113 rlimirrig, Co. 53 )-is Phre.re (1641552-.)1ß ti“amithchifstirg Pft)dil*Id rpAlf free ty na lawn Freteemruo Rue 1reur.11.vcrea411D

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Preperw Addrese: 1436/ Carolina Strout , Adalarno, CA 92301 Date: Aleust 2, 2018 H. VERIFICATION OF DOWN PAYMENT AND CLOSING COSTS: Buyer (or Buyer's lender or ioan broker pursuant to paragraph 3.1(1)) shall, within 3 (or ) Days After Acceptance. Deliver to Seiler written verification of Buyer's down payment ane closing costs. (0 Verification attached.) I. APPRAISAL CONTINGENCY AND REMOVAL: This Agreement Is or Die NOT) contingent upon a mitten appraisal of the Property by a licensed or certified apenaiser at no less than the purchase price. Buyer shall, as specified in paragraph 14E(3), In writing. remove the appraisal contingency or cancel this Agreement within 17 (or ) Days Alter Acceptance, J. LOAN TERMS: (1) LOAN APPLICATIONS: Within 3 (or ) Days After Acceptance, Buyer ehrul Deliver to Seller a totter from Buyer's lender er loan broker stating that, based on a review of Buyer's written application and credit report, Buyer le prequelified or preapproved for any NEW can specified in paragraph 3D. If any loan specified In paragraph 3D is an adjustable rate loan, the prequalification or prcapproval letter shall be based on the quelifying rate, not the Initial loan rato. ( D Letter attached.) (2) LOAN CONTINGENCY: Buyer shalt act diligently and :n gcoci faith to obtain the designated loan(s). Buyer's qualification for the loan(s) specified above Is a contingency cf this Agreement ureess otherwise agreed In writing. If there Is no appraisel contingency or the appraisal contingency has been waived or removed, then failure of the Property to appraise at the purchase pace does not entitle Buyer to exercise the remicollalion right pursuant to the loan contingency if Buyer Is otherwise qualified for the specified loan. Buyer's conventual obligations regarding deposit, !Jolene° of down onyment and closing costs are not contingencies of thls Agreement. (3) LOAN CONTINGENCY REMOVAL: Within 21 (or ) Days After Acceptance, Buyer shall, as specified in paragraph 14, In writing, remove the loan contingency or cancel this Airee.ment. if there is an appraisal contingency, removal of the !cum contingency shall not be deemed removal of the appraisal contingency. (4) L. j NO LOAN CONTINGENCY: Obtalnirg any loan specified above is NOT a contingency of this Agreement if Buyer does not obtain the loan and as a result does not purchase the Property, Seller may be entitled to Buyer's deposit or other legal remedies, (5) LENDER UMITS ON BUYER CREDITS: Any credit to Buyer, from any source, for closing or Other costs that Is agreed to by the Parties ("Contractual Credir) shall be disclosed to Buyer's lender, if the total credit allowed by Buyer's tender (*Lender Allowable Credit") is less than the Contractual Credit, then (I) the Contractual Credit shall be reduced to the Lender Allowable Credit. and (ii) in the absence of a separate written agreement between the Purlieu, there shall be no automatic adjustment to the purchase price to make up for the difference between the Contractual Crean and the Lender Allowable Credit. K BUYER STATED FINANCING: Setier is relying on Buyer's representation of the type of financing specified (Including but rot limited to, as applicable, all cash, amount of down payment, or contingent or non-contingent :can). Seller has agreed to a specific dosing date, purchase price and to sell to Buyer in reliance on Buyer's covenant concerning financing, Buyer shall pursue the financing specified in this Agreement. Seller has no obligation to cooperate with Buyer's efforts to obtain any financing other than that specified In the Agreement ana the availablitty of any such alternate financing does not excuse Buyer from the obligation to purchase the Property and close escrow as specified in this Agreement. 4. SALE OF BUYER'S PROPERTY: A. This Agreement and Buyer's ability to obtain finencing are NOT contingent upon the sale of any property owned by Buyer. OR B. Lrj This Agreement and auyees ability to cbtaln financlag .are canargent upon the sate Of property owned by Buyer as specifeti In the attached addendum (CAR. Form COP). 5. ADDENDA AND ADVISORIES: A. ADDENDA: —21Addendum (C.A.R. Form ADM) ii-rBack Lira Offer Addendum (C.A.R. Form BUO) . Come Confirmation Addendum (C.A.R. Form CCA) ITSeptic, well and Propeety Monument Addendum (CAR. Form SWPI) Short Sale Addendum Lg,A.R. Form SSA) UOther B. BUYER AND SELLER ADVISORIES. Buyer's Inspection Advisory (C.A.R. Form BIA) Probate Adviser/ (CAR. Form PA) t Statewide Buyer and Seller Advisory (C.A.R. Form SBSA) Trust Advisey/CAR. Form TA) REO Advieere (C.A.R. Form REO) Short Sale Information and AdviseAni (C.A.R. Form SSIA). Lather G. OTHER TERMS: Sold In As Is Condition - Seiler will make no repairs or cure any InspoctIons repair rowel.

7. ALLOCATION OF COSTS A. INSPECTIONS, REPORTS AND CERTIFICATES: Unless otherwise agreed :n writing, this paragraph only determines ail° is to pay for the Inspection, test, certificate or service (-Report") mentioned; it does not determine who is to pay for any work recommended or identified In the Report. (1) D Buyer [Seller *all pay for a natural haeard zone disclosure report, including tax 3 environmental D Other: prepared by Any Reliable (2) fyi Buyer j ISeiler shall pay for the following Report r0(1171t0 Report prepared byl_lconsod Conrracior (3) U Buyer j Seller shall pay for the following Report prepared by

Buyer's Initials X( 9-1M)XLILFT ) oiler's Initials XI RPA-CA REVISED 12/15 (PAGE 2 OF 10) CALIFORNIA RESIDENTIAL PURCHASE AGREEMENT (RPA-CA PA ee Aprogsne, by z..•;zi.oçfx let)70 ream ertbm Itvo4. rums+, 4K128 COUNTER OFFER

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Property Address: 14361 Caroline Street , Ada-ante, CA 92301 Date: eeloysi 2, 2018 S. GOVERNMENT REQUIREMENTS AND RETROFIT: (1) ijd Buyer 0 Seller shell pay for srncke alarrn and careen mcnexere device Installation and water heater brazing, it required by Law. Prior to Cose Of Escrow (-00r), Seller shall prcvide Buyer written statement(s) Cf ocmpiance in accordance with slate and local Law, uniess Seller is exemot. (2) (l) 0 -Buyer f...1 Seiler shel pay the cost of ccerielence with any einer minirnum mendatory government eispectiors and repens it rewired as a concftion of closing escrow under any Law. (II) u Buyer 0 Seger sha:1 Pay the cost of compliance with any other minimum mandatory government retrofit standards required as a condition of closing escrow under any Law, whether the work 13 required to be completed before or after COE, (iii) Buyer shall be provided, within the Urne specified in paragraph 14A, a copy of any required government conducted or point-of-sale inspecflon report prepared pursuant to this Agreement or In anticipation of thte sale of the Property. C. ESCROW AND TITLE: (1) (a) 21Buyer 91Sollar shall pay escrow fee 50150 Both To Pay.TheIr Own. (b) Escrow Holder shah be Sellers Choice (c) The Parties shall, within 5 (or _ ) Days After receipt, sign and return Escrow Holder's general provisions. (2) (.1)0 Buyer( Seller shall pay for owner's title Insurance Polley specified In paragraph 13E (b) Owner's title policy to be issued by roar Title - Gene Logan (Buyer shall pay for any title Insurance policy insuring Buyer's lender, unless otherwise agreed In writing.) D. OTHER COSTS: (1) fri- Buyer pj: Seller shall pay County transfer tax or tee (2) Buyer! Seller shall pay City transfer tax or fee (3) Buyer L Seller shall pay Horreoweere' Ms' °elation ('HOA') trarster fee (4) Seller shall pay HCA fees for preparing documente required le be delivered by Civil Code §4525 (5) [3 Buyer il Seller snail pay HOA fees for preparing aß documents other than those required by Civd Code §4525. (5) Buyer to y for any HOA certification fee. (7) j Buyer r-i Seller shall pay for any private transfer fee (a) ..i Buyer Seller shalt pay far (a) L Buyer/7 Setter shall pay for (10) Li Buyer 0 Seller shall pay Cor the cost, rot to exceed $ , of a standard (or Li usprithclo u'dle) one-year homo Warranty plan, issued by , . following optional coverages: °Air Ccnditioner L Poompa t; Other: Buyer Is Informed that home warranty plans have many optional coverages In addition to those listed above. Buyer is advised to investigate these coverages to determine those that may be suitable for Buyer. OR[ Buyer waives the purchase of a home werrenty plan. Nothing In this paragraph precludes Buyer's purchasing a home warranty plan during the term of this Agreement. O. ITEMS INCLUDED IN AND EXCLUDED FROM SALE: A. NOTE TO BUYER AND SELLER: Items listed as Inetixied or excluded in the MLS, flyers or marketing materials are not included in the purchase price or excluded from the Si110 untrue specified In paragraph 8 B or C. B. ITEMS INCLUDED IN SALE: Except as etheeese specified or credo:ere (1) All EXISTING fixtures and fittings that are attached to the Property; (2) EXISTING etectrical, mechanical, lighting, plumbing and heating fixtures, ceiling fans, fireplace inserts, gas loge end greets, solar power systems, built-in appliances, window and doer screens, awnings, shutters, window coverings, attached floor coverines, television antennas, satellite dishes, air cpciereiconeitioners, pcolspa equipment, garage door openers/remata contreis, maibox, in-ground landscaping, trees/shrubs, water features and fountains, water softeners, water purifiers, secterty syetemsialarrns and the following If checked: 5-rj all stove(s), except ; Dail refrigerator(s) except ;[J all washer(s) and dryer(s), except ; (3) The following additional Items: As Noted On The feLS - Oven, Dishwasher, Dtsposal,Microwave . (4) Existing integrated phone and home automation systems, including nereeseary components such as Intranet and Internet. connected hardware or devices, control units (other than non-dedicated mobile devices, electronics and computers) end applicable software, permissions, passwords, codes and access Information, are ([j aro NOT) included in the sale. (5) LEASED OR LIENED ITEMS AND SYSTEMS: Seller shall, within the time specified in paragraph 14A, (I) disclose to Buyer if any item or system specified in paragraph 8B or otherwise included in the sale Is leased, or not °weed by Seller, or specifically subject to a lien or other encumbrance, and (ii) Deliver to Buyer all written materials (such as lease, warranty, etc.) concerning any such item. Buyer's ability to aslaglin any such lease, or willingness to accept the Prcperly eublect to any such Hen or encumbrance, is a contingency in favor of Buyer and Seller as epecified In paragraph 148 and C. (6) Seller represents that all items Included In the purchase price, unless otherwise specified, (I) are owned by Setter and shall be transferred free and clear of lions and encumbrances, except the items and systems identified pursuant to 88(5) and , and (II) ere transferred without Seller warranty regardless of value. C. ITEMS EXCLUDED FROM SALE: Unless otherwise specified, Om following items are excluded from sale: (I) audio and video components (such as flat screen TVs, speakers and other items) If any such Item is not Itself attached to the Property, even if a bracket or other mechanism attached to the component or item is attached to the Property; (ii) furniture and other (tome secured to the Property far earthquake ourrose$; and (iii) . Brackets attached to walls, floors or ceilings for an ch component, fundture er item shall rernatn with the Property (crij will be removed and holes other damage s repaired, but not painted). Buyer's Initials x( ille137)XLVEL) rers Iritjats ) f ....._,) RPA,CA REVISED 12115 (PAGE 30F 10) CALIFORNIA RESIDENTIAL PURCHASE AGREEMENT (RFA-CA PAG jEcritio ..mc....d enil ifprecc4 YZ.L& 1t10 Frken me feec rteeee Kreizan 43325 etek.te..ese...mer ›te COUNTER OFFER

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Property Address: 141361 Caroline Street Adelonto, CA 92301 Date: August 2. 2018 9. CLOSING AND POSSESSION: A. Buyer Intends (or((g, does not Intend) le occupy the Properly as Buyers primary residence, B, Sellereoccupied or vacant property: Posseaslon shall bu delivered to Bwor. (i) at 6 PM or ( DAMID Pon the date of Close Of Escrow; (11)W no le tor than 6 calendar days after Close Of 'Eec(ow-, or (ill) Mat 8:00 E: Amizi PM on C. Seller remaining in possession After Close Of Escrow: if Seller has the right to remain In possession after Close Of Escrow. (I) the Parties aro advised to eign a separate occupancy agreement such as Li CAR, Form SIP, for Seller continued occupancy of less than 30 days, Ej CAR. FC)111 RIAS for Seiler continued occupancy of 30 Mee or more; and (li) the Parties are advtsed to consult with their insurance uel legal advieors for information about liability and damage or injury to persons and personal and real property; and Buyer is advised to consult with Buyers lender about the Impact of Setters occupancy on Buyers loan. D. Tenant-occupied property: Property shall be vacant at least 5 (or ) Days Prior to Close Of Escrow, unless otherwise agreed ill writing. Note to Sollen if you are unable to deliver Property vacant In accordance with rent control and other applicable Law, yde may be in breach of this Agreement. CAL Tenant to remain In possession (CAR. Form TIP). E At Close Of Eectome Seller assigns to Buyer any assignable warranty rights for items indudect In the sale; and Setter shall Delver to Buyer available Copies of any such warranties. Brokers cannot and will cot determine the assignability of any warranties. F. Al Close Of Escrow, unless othervese agreed In writing, Serer shall provide keye, passwords, codee and/or means to operate all locks, mailboxes, security systems, alarms, home automation systems and Intranet and Internet-connected devices Included In the purchase price, and garage door openers. if the Property e a condominium or located in a common interest suixilvislon. Buyer may be required to pay a deposit to the Homeowners' Association (*HON') to obtain key; to accessible HOA facilities. 10. STATUTORY AND OTHER DISCLOSURES (INCLUDING LEAD-BASED PAINT HAZARD DISCLOSURES) AND CANCELLATION RIGHTS: A. (1) Soler eat, -tenet the tirria specified In paragraph 1SA, Deliver to Buyer (i) if required by Law, a fully completed: Federal Lead. Based Paint Oise-sires (CAR. Form FU)) and pamphlet (*Lead Disciesures'); and (II) unless oxerrpt fuity completed esrkkeures or notices required by sections 1102 et. seq. arid 1103 et. seq. of the Civil Code ("Statutory Measures.). Statutory Disclosures Include, but are not limited to, a Real Estate Transfer Disclosure Statement (MAI Naturat Hazard Disclosure Statement MHO,. notice or actual knowledge cf release of Heal controlled substance, notice of special tax and/or assessments (or, if Cowed, substantially equivalent notice regarding the MelkeRooe Community Facilities Act of 1982 and Improvement Bond Act of 1915) and, If Seller hen actual knowledge, cf industrial use and military crdnance location (OAR. Form SPQ or ESD). (2) Any Statutory Disclosure required by this paragraph Is considered fee ecenpleted If Seller has answered all questions and completed and signed the Seller section(s) and the Listing Agent, il any, has completed and signed the Listing Broker section(s), or, if appLcable, an Agent Visual Inspection D(SeioSlire (CAR Form AVID). Nothing slated herein relieves e Buyer's Broker. If any, from the obligation to (i) conduct a reasonably competent and diligent visual Inspection of the accessible areas cf the Property and disclose, on Section IV of the MS, or an AVID, material facts affecting the value or desirability of the Property that were or should have been revealed by such an inspection or (ii) complete any sections on al disclosures required to be completed by Buyers Broker_ (3) Note to Buyer end Seller Waiver of Statutory and Lend Disclosures is prohibited by Law. (4) Within the time specified in paragraph 14A, (I) Seder, unless exempt from the ob5gation to provide a "MS. shalt. =replete and provide Buyer with a Seiler Property Questionnaire (CAR. Fcrm SP)); If Seller is not required to provide a TOS, Seller shell complete and provide Buyer wei art Exempt Setter Disclosure (CAR. Form ESD). (5) Buyer shall, within the time specified In paragraph 14B(1), return Signed Copies of the Statutory, Lead and other dedoeures to Setter. (8) In the event Seller or Listing Broker, prior to Close Of Escrow. becomes aware of adverse conditiOns materially affecting the Property, er any material inaccuracy in disclosures, Information or reprosentattons previously provided to Buyer, Seller shell promptly provide a subsequent Cr ütnnts.ded Clit>C:CSUIO or Niece, in writing, covering those kerns. However, e subsequent or amended disclosure shall not be required for conditions and material inaccuracies of whien Buyer is otherwise aware, or which are disclosed in reports provided to or obtained by Buyer or ordered and paid for by Buyer. (7) If any disclosure or notice specified ir paragraph 10A(1), or subsequent or amended disclosure Cf notica le Delivered to Buyer after the offer is Signed, Buyer shall have the right to cancel this Agreement within 3 Days After Delivery in person, or 5 Days After Delivery by deposit in the malt by giving written notice of cancellation to Seller or Selleea agent. B. NATURAL AND ENVIRONMENTAL HAZARD DISCLOSURES AND OTHER BOOKLETS: Within the time specified in paragraph 14A, Seller shall, if renuired by Law: (I) Delver to Buyer earthquake guide(s) (and questionnaire), environmental hazards booklet and home energy rating pamphlet: (ii) disclose if the Propere is located in a Special Fireid Hazard Aran, Potential Flooding Men:Lek:el Area; Very High Fire Hazard Zone; Stale Fire Responsibility Area: Earthquake Fault Zone; and Solaras Hazard Zone; and (iii) disclose any other ewe as required by Law and provide any other information required for those zones. C. WITHHOLDING TAXES: Within the time specified in paragraph 14A, to avoid required withholding, Scier shall Deliver to Buyer or qualified substitute, an affidavit sufficient to comply with federal (FIRPTA) and California withholding Law (CAR. Ferra AS or QS). D. MEGAN'S LAW DATABASE DISCLOSURE; Notice: Resume to Section 290.40 of the Penal Code, information about specified registered sex offenders is made avoileblo to tho public via an Internet Web site maintained by the Department of Justice at wv.nvoneganstaw.ca.gov. DependIng on an offender's criminal history, this Inform:Mice wit Include either the address at which the offender resides or the community of residence and ZIP Code in wnich he or she resides. (Neither Seiler nor Brokers are reqeired to check this weesite. If Buyer wants further information, Broker recemmends that Buyer obtain Information from this website during Buyer's inspec.ron contingency period. Brokers do not have expertise In this area.) E, NOTICE REGARDING GAS AND HAZARDOUS UQUID TRANSMISSION PIPELINES: This notice is being provided simply to hfcern you that informatien about the general location of gas and hazardous liquid transmission pipelines Is available to the public via the National Pipeline Mapping System (NPMS) Internet Wob site maintained by the United Stales Department cf Transportation at http9iwww.npms.phmsa.dot.govi. To seek further Information about possible transmission pipelines near the Property, ycu may cz-Intact your tor-al gas utility cr other pipeline operators :n the Area. Contact information for pipeline operators is searchable by ZIP Code and county on the NPMS. Internet >Web silo. F. CONDOMINIUM/PLANNED DEVELOPMENT DISCLOSURES: (1) SELLER HAS: 7 (or Days After Acceptance to disclose to Buyer if the Property is a c dorninium, or Is located in a planned development or other commun Interest subdivielon (CAR. Form SP r ESD). Buyer's 1n11al5 xf 111-77)-x(1AT) Ver's RPA-CA REVISED 12/1 5 (PAGE 4 OF 10) 7 7 CAUFORNIA RESIDENTIAL PURCHASE AGREEMENT (RPA-CA P itrzerKeLy ic.Jiarce IL Tri) Mute Vila reati, rew. $4;14an A tors ,..../.7eLcetkeeje COUNTER OFFER

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Proper.y Address: 14361 Caroline Stroet Adolanto CA 92301 Date: August 2, 2018 (2) if the Prceerty is a condominium or Is located in a ream: ed development or other common interest subdivision, Seller hi s- 3 (or ) Days After Aceeptance to request from tee HOA (CAR. Form HOA1): (I) Copies of any documents required by Lew; (11) disclosure of any pending of anticipated claim or litigation by or against the HOA: (ill) a statement containing the iccallori and number of designated parking and storage spaces; (Iv) Copies of the most recent 12 months of HOA minutes for regular and special meetings; and (v) the names and contact information of all HOAs governing the Property (collectively, 'CI Disclosures"). (VI) private transfer fees; (vii) Pot fee restrictions; and (v111) smoking restrictions. Seller shall itemize and Deliver to Buyer al CI Disclosures received from the HOA and any CI Olsclosurea in Seller's possession. Buyer's approval of Cl Disclosures Is a contingency of this Agreement as specified in paragraph 1413(3). The Party specified In paragraph 7, as directed by escrow, Shall deposit funds into escrow or direct to HOA or management ccrepany to pay for any of the above. 11. CONDITION OF PROPERTY; Unless otherwise agreed in writing: (I) the Property is sold (a) "AS-IS In Its PRESENT physical condition as of the date of Acceptance and (b) subject to Buyer's investigation rights; (11) the Properly. Including pool, spa, landscaping and grounee, is to be maintained In substantially the same condition as on the date of Acceptance; and (ill) all debris and personal property not included In the Salt) shall ce removed by Close Of Escrow. A. Seller that, within the time specified in paragraph 14A, DISCLOSE KNOWN MATERIAL FACTS AND DEFECTS affecting the Property, including mnown insurance claims within the past Eve years, and make any and all ether disclosures required by law. B. Buyer has the right to conduct Buyer Investigations of the Property and, us spoefted In paragraph 14E1, based upon information rescevered in those Investigations: (I) cancel this Agreement or (*request that Seller MEMO Repairs or take other action, C. Buyer Is strongly advised to conduct investigations of the entire Property in order to determine its en:mere condition. Seller may not be aware of all defects greeting the Property or other factors that Buyer considers Important. Property Improvements may not be built according to code, In compliance with current Law, or have had permits Issued. 12. BUYER'S INVESTIGATION OF PROPERTY AND MATTERS AFFECTING PROPERTY: A. Buyer's acceptance of the condition of, and any other matter affecting the Properly, Is a contingency of this Agreement as specified in the paragraph and paragraph 14B. Within the time specified In paragraph 1413(1), Ouyer shall have the right, at Buyer's expense untess othenviee agreed, to conduct Inspections, inveettgatIone, teats, surveys and other studleu Puff Itwestigationsl including, but net limited to; (I) a general physical Inspection; (II) an Inspection specifically for wood dentroying pests and organisms. Any inspection for wood destroying pests and organisms shall be prepared by a registered Structural Pest Control company; shall cover the main bultdine and attached structures; may cover detached structures; shall NOT Include water tests of shower pans on upper level units unless the owners of property below the shower consent; shall NOT Include roof coverings; and, If the Property Is a unit In a condominium or otter common interest subdivision, the irspection shall inctede only the separate interest and any exclusive-use areas being transferred, and shaft NOT include common areas; and shall Include a report (Test Coned Report, showing the findings of the company which shill be toper-aloe into sections for evident infestation or infections (Section 1) and fcr conditions !lkely to lead to infostaticrt infection (Section 2); (111) inspect for leacebasect paint and °tiler loadbased paint hazards; (Iv) satisfy Buyer as to any matter specified in the attached Buyer's Inspection Advisory (CAR. Form BIM; (v) review the registered sex offender database; (v1) confirm the insurabilty of Buyer and the Property lncluding the avalability and cost of flood and tee insurance; and (vii) review and seek approval of leases that may need to be assumed by Buyer. Without Seller's prior written consent, Buyer shall neither make nor cause to be made: Invasive or destructive Buyer Investigations, except for minimally Invasive testing required to prepare a Pest Control Report or Inspecliotra by any governmental Wilding or zoning inspector or government employee, unless required by Law. B. Seller shall make the Property available for alt Buyer Investigations. Buyer snan (I) as specified in paragraph 149, complete Buyer investigations and either remove the contingency or cereal this Agreement, and (II) give Seller, at no cost, correlate Copies of all such Investigation reports obtained by Buyer, which obligation shall survive the termlnetion of this Agreement. C. Seller that have water, gas, electricity and ell Operable pilot lights on for Buyer's Investigations and through the date posses:ace is made available to Buyer. D. Buyer indemnity and seller protection for entry upon property; Buyer shall: (I) keep the Property free and clear of liens; (II) repair all damage arising from Buyer investigations: and (III) Indemnify and hold Setter harmless horn all resulting liability, claims, demeeds, damages and costs. Buyer shall carry, or Buyer shall require anyone acting on Buyer's behalf to cany, pnlicies of liability, workers' compensation end other applicable insurance, defending and protecting Seller from liability for any injuries to persons or property oc:curring during any Buyer investigations or work done on the Property at Ewer's direction prior to Ciose Of Escrow, Seller Is advised that certain protections may be afforded Seller by recording a *Notice of Non-Responsibifitr Perm NNR) for Buyer investigations and work done on the Property at Buyer's direction. Buyer's obigattons under this paragraph shall survive the termination of this Agreement. 13, TITLE AND VESTING: A. ;ratan the time specified in paragraph 14, Buyer shall be provided a cement preliminary title report ("Preliminary Report!). The Preliminary Repel is only an alter by the title Insurer to issue a pruicy of title insurance and may not contain every item affecting dna. Buyer's review of the Preliminary Report and any other =tiffs vaticti may affect title are a cent/money of this Agreement es spectiled in paragraph 14B. The company providing the Preliminary Report shall, peer to issuing a Preleneary Report, conduct a search ef die General Index for ail Sellers except tanks or other Institutional lenders setteel properties they acquired through foreclosure (RE0s), corporations, and government entities. Seller shall within 7 Days Alter Acceptance, give Escrow Holder a completed Statement of inlormation. B. Title Is taken in its present condition subject to all encumbrarines, easements, covenants, conditions, restrictions, rights end other matters, whether of record or not, as of the data of Acceptance except for: (1) monetary liens of record (which Seller Is obligated to pay off) unless Buyer is assuming those obligations or taking the Property subject to those 0b9g1t10n3; end (II) those matters which Seiler has agreed to remove in writing. C. Within the time specified in paragraph 14A. Seller has a duty to disclose to Buyer all matters known to Salter affecting litre, whether of record or net. D. At Close Of Escrow, Buyer shall receive a grant deed conveying tine (or, for stec< cooperative or long-term loose, an assignment of stock certificate or of Seller's leasehold interns», fruitxr.ng ofl, mineral end water rights if currently owned by Seiler. Title shall vast as designated In Buyer's supplemental escrow instructions. THE MANNER OF TAKING TITLE MAY HAVE SIGNIFICANT LEGAL AND TAX CONSEQUENCES. CONSULT AN APPROPRLATE PROFESSIONAL.

Buyer's Initials x(915:77)x( 7.0-r &tees rIala RPA-CA REVISED 12115 (PAGE 5 OF 10) CALIFORNIA RESIDENTIAL PURCHASE AGREEMENT (RPA-CA P F-todue.xf w.th zrm'nrflj 0 rt

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Property Address; 14361 Carolino Street Adolanto, CA 92301 Data: August Z 2018 E. Buyer ehrel :0CeiVe a CITA/ALTA liorneovolers Pcy ef Tile insurance% Oicatie to the type of property and buyer. if not, Esrecev Holder shal rely Buyer. Mille ccrepeny can provide intr.:medal about the avoilabity, ccvereec, and met of oteer erre pelides end endersereents. If the Homeowners Potcy is no available. Buyer shall dlocse ancther pc j,irutrueet &crow Holder in wraing and sled pay any increase in cost. 14. TIME PERIODS; REMOVAL OF CONTINGENCIES; CANCELLATION RIGHTS; The following time periods may only be extended, altered, modified or changed by mutual written agreement Any removal of contingencies or cancellation under this learagraph by either Buyer or Seller must be exercised In good faith and in writing (C.A.R. Form CR or CC). A. SELLER HAS: 7 (or ) Days After Acceptance to Deliver to Buyer aU Reports, disclosures and information for which Seder is responsible under paragraphs 5, 6, 7, 83(5), 10A, B. C4 and F4 11A and 13A. If, by the time specified, Seller flee not Delivered any such item. Buyer after first Deltvering to Seller e Notice to Seer to Perform (CAR. Form NOP) may camel this Agreement B. (1) BUYER HAS: 17 (or ) Days After Acceptance. unless otherwise agreed in wnting, to: (I) complete all Buyer Investigallork review ail disclosures, reports, lease documents to be ASSUMOO by Beyer pereuent to paragraph 8B(5), and other applicable inferrnatien. which Buyer =elves from Seller; and approve ell matters affecting the Pniperty; and (li) aaihtor to Seiler Signed Copies of Statutory and Lead Disci:elutes and other disclosures Delivered by Seiler In accordnnce with paragraph 10A. (2) Within the time spedfed in paragraph 145(1), Buyer may request that Seller make mesh or take any other action regarcting the Properly (CAR, Form RR). Seller has no obligation to agree tear reeponti to (CAR. Form RRRR) Buyers requests. (3) By the end of the time specified in paragraph 143(1) (or as otherwise specified In this Agreement), Buyer shall Deliver to Seller a removal of the applicable contingency or cancellation (C.A.R. Form CR or CC) of Ibis Agreement. However, If any report, disclosure or Information for which Seller le responsible is not Delivered within the tine specified in paragraph 14A, then Buyer has 5 (or ) Days After Delivery of eny such Items, or the time specified In paragraph 146(1), whichever is later, to Deliver to Seller a removal of the applicable contingency or cancellation cf this Agreement. (4) Continuation of Contingency: Even after the end of the time specified in paragraph 14B(I) and before Seller cancels, if at all, pursuant to paragraph 1413, Buyer retains the right, In writing, to °Hear (i) remove remaining ctantingoncies. cr (II) cancel this Agreement based on a remaining continency. Once Buyers written removal of all contingencies is Delft/creed to Seiler, Seiler may not cancel this Agreement pursuant to paragraph 140(1). (5) Access to Proporty: Buyer shell have access to the Property to conduct inspections and Investigations for 17 (or ) Days After Acceptance, ....nether or net any part of the Buyer's Investigation Contingence has been waived or removed. C. 0 REMOVAL OF CONTINGENCIES WITH OFFER: Buyer removes the contingencies specified in the attached Contingency Removal form (C.A.R. Form CR). If Buyer removes any contingency wIthout art adequate understanding of the Property's condition or Buyer's ability to purchase, Buyer Is acting against the advice of Broker. D. SELLER RIGHT TO CANCEL: (1) Seller right to Cancel; Buyer Contingencies: if, by the time specified In this Agreement, Buyer does net Deliver to Seer a removol of he applicable contingency or canoe:1;3ton of this Agrooment, then Seller, after Me Delivering to Buyer a Notice to Buyer to Perform (C.A.R. Form ike3P), may cancel this AereernenL In such event, Se.ler shall outhorize the return of Buyer's deposit, except for fees interned by Buyer. (2) Setter right to Cancel; Buyer Contract Obligations: Seller, alter reel delivering to Buyer a MO), may cancel this Agreement if. by the *Mt specified In this Agreement, Buyer does not take the following acl:on(s): (I) Deposit funds as required by paragraph 3A, or 3B or if the funds deposited pursuant to paragraph 3A or 35 are not good when deposited; (ii) Deliver a notice of FHA or VA costs or terms as moulted by paragraph 30(3) (CAR. Form FVA); (III) Deliver a letter as required by paragraph 3,1(1): (Iv) Deliver verification, or a satisfactory verification If Seiler reasonably disapproves of the verification already provided, as required by paragraph 3C or 3H; (v) In writing assume or accept leases or liana specified in 885; (vi) Return Statutory and Load Disclosures as required by paragraph 10A(5); or (vii) Sign or Initial a separate liquidated damages form ler an Increased deposit as required by paragraphs 313 and 2113; or (vlii) Provkle evidence of 'authority to sign in a representative capacity as specified in paragraph 19. In such event, Seller shall authorize the return of Buyer's deposit, except for fees Incurred by Buyer. E. NOTICE TO BUYER OR SELLER TO PERFORM: The NOP or NSP shall: (I) be in writing; (II) be signed by the appficebie Buyer or Seller; and (III) give the other Party at West 2 (or ) Days After Delivery (or until the time specified In the applicable paragraph, whichever occurs last) le take the appicable action. A NOP or NSP may not be Delivered any earlier then 2. Days Prior to the expiration of the applicable lime for the oilier Party to remove a contingency or (mewl this Agreement or meet an obligation specified in paragraph 14. F. EFFECT OF BUYER'S REMOVAL OF CONTINGENCIES: If Buyer removes, in writing, any contingency or cancellation rights, unless otherwine specified in writing, Buyer shall conclusively be deemed to have: (I) completed all Buyer investigatiOns, and reillErti of reports and other applicable information and disclosures pertaining to that contingency or canrxelatIon rght; (ii) elected to proceed with the transaction; lane (Iii) assumed all liability, responeiblitty and expense for Repairs or corrections pertaining to that contingency or cancellation right or for the inability to obtain financing. G. CLOSE OF ESCROW: Before Buyer or setter may cancel this Agreement for fearer of the other Party to close escrow pursuant to this Agreement, Buyer or Seller must first Deliver to the other Party a demand to close escrow (CAR. Form ODE). The DCE shall: (I) be signed by the applicable Buyer or Seller; and (II) gIve the other Party at least 3 (or Days After Delivery to dose escrow. A DCE may not be Delivered any earlier than 3 Days Prior to the scheduied close of escrow. H. EFFECT OF CANCELLATION ON DEPOSITS: If Buyer Or Seer gives written notice of cancellation pursuant to rights duty exorcised under the terms of this Agreement, the Parties agree to Sign mutual insirecticre to cancel the sale and escrow and release deposes, if any, to the party entitled to the furds, less fees ane =sts incurred by that party. Fees and costs may be payable to sanrlce providers and vendors for serViCeS and products provided during escrow. Except as specified below, release of funds will require mutual Signed release Instructions from the Parties, judicial decision or arbitration award. if either Party fails to execute meow instructions to cancel escrow, one Party may make a written demand to Escrow Holder for the deposit. (CAR. Form BDR0 or SCR!)). Escrow Holder, upon receipt, shall promptly deliver notice of the demand to the other Party. If, within 10 Days After Escrow Holder's notice, the ether Party does not object to the demand, Escrow Holder shalt dishersn the deposit to the Party making the demand. If Escrow Holder complies with the preceding process, each Party etuel be deemed to have reieused Escrcriv Holder from any and all claims or liability related to the disbursal of the deposit. Escrow Holder, at its discretion, may nonetheless require mutual cancellation instructions. A Party may be subject to a civil penalty of up to $1,000 for refusal to sign canes tion instructions if no good faith dispute exists as to who is entitled to the deposited funds (Civil Code §1057.3). Burr's initials Oatleee 'nine ) RPA-CA REVISED 12115 (PAGE. SOP 10) CALIFORNIA RESIDENTIAL PURCHASE AGREEMENT (RPA Protlioraut with .r.isrforirse try LiploGtt 18410 RS, Mawr, M4,1)041411= w•rttartUr 4Ear:TO COUNTER OFFER

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Property Address: 14361 Caroline Street Adolanto 92301 Data: AUguat Z 2018U_ 16. FINAL VERIFICATION CF CONE/MON: Buyer shall have the right to make a final verification of the Property within 5 (or j Days Prior to Close Of Escrow, NOT AS A CONTINGENCY OF THE SALE, but sclely to confirm: (i) the Property is maintained pursuant to paragraph 11; (it) Repairs have been completed as agreed: and (III) Seller has =reeled wail Seller's other obligaarone eider this Agreement (CAR. Form VP). 16, REPAIRS: Repairs shaft be completed prier to area verification of condition unless otherwise agreed in writing. Repairs to be performed at Seller's expense may be performed by Seiler or through others, provided that the work complies with applicable Law, Including governmental permit, Inspection and approval requirements. Repairs shall be performed in a good. skillful manner with materials of quality and -appearance comparable to existing materials. It le understood that exact restoration of appearance or cosmetic items Mowing all Repairs may not be possible. Seller shall: (I) obtain 'melees and paid receipts for Repairs performed by others; (II) proper° a written statement Indlcabng the Repairs performed by Seller and the dato of such Repairs; and (III) provide Copies of invoices and paid receipts and statements to Buyer prior to final verification of condition. 17. PRORATIONS OF PROPERTY TAXES AND OTHER ITEMS: Unless otherwise agreed In writing, the following items shall be PAID CURRENT and prorated between Buyer and Seller as of Clete Of Escrow: real property taxes and assessments, interest, rents, HOA regular, special, and emergency dues and assessments Imposed prior to Close Of Escrow, premiums on Insurance assumed by Buyer, payments on bore> and assessments assumed by Buyer, and payments on Mello-Roos and other Special Assessment District bendsend assessments that ate now a lien. The following Items she be assumed by Buyer WITHOUT CREDIT toward the purchase price: prorated payments on Mello-Roos and other Special Assessment District bonds and assessments and HOA special assessments that are now a Tree but not yet due. Property will be reassessed upon change of ownership. Any supplemental tax bills shall be paid as follows: (I) for periods after Close Of Escrow, by Buyer; and (il) for periods prior to Close Of Escrow, by Seiler (see CAR. Form SPI or 3133A for further information). TAX BILLS ISSUED AFTER CLOSE OF ESCROW SHALL BE HANDLED DIRECTLY BETWEEN BUYER AND SELLER. Protatiens shed be made based on a 30-day month. 18. BROKERS: A. COMPENSATION: Seiler or Buyer, or both, as aPPliaabite agree to Pay compensation to Broker as specified in a separate written agreement between Broker and that Sailer or Buyer, Compensation Is payable upon Close Of Escrow, or if escrow does not close, as otherwise specified In the agreement between Broker und that Seller or Buyer. B. SCOPE OF DUTY: Buyer end Seller acknowledge and agree that Broker; (I) Dons not decide what price Buyer should pay or Seller should accept; (it) Does not guarantee the condition of the Property; (lll) Does not guarantee trio performance, adequacy or completeness of inspections, services, products or repairs provided or made by Seller or ethers; (iv) Does not have an obligation to conduct an inspacticn of common areas or areas off the site of the Property; (v) Shall not be responsible for identifying defects on the Property, In common areas, or relate unless such defects aro visually observable by an Inspection of reasonably accessible areas of the Property or are known to Broker; (vi) Shall not be responsible for inapeclIng public records or permits concerning the title or use of Property; (vil) Shall not be responsible for Identifying the locat:on of boundary lines or other items affecting title; (vill) Sean not be responsible for verifying square footage, representations of ethers or information contained in Investigation reports, Multiple Listing Service, advertisements, flyers or other promotional material; (ix) Shall not be responsible for determining the fair market value of the Property or any personal property included in the sale; (x) Shall not be responsible for providing legal or tax advice regarding any aspect of a transaction entered into by Buyer or Seller; and (xl) Shall not be responsible for providing other advice or information that exceeds the knowledge, education and experience required to perform rear estate licensed activity. Buyer and Seller ware° to seek legal, tax, Insurance, title and other desired assistance from appropriate professionals. 11 REPRESENTATIVE CAPACITY: if one or more Parties is signing this Agreement in a representative capecity and not for him/herself as an Individual then that Party shall so Indicate kt paragraph 31 or 32 and attach a Representative Capacity Signature Disclosure (CAR. Form RCM). Wherever :he signature or Initials of the representative Identified in the ROSI) appear on this Agreement or any related documents, h shall be deemed to be In a representative capacity for the emity described and not Irr en indIvInuer capacity, (Jaws otherwise Indicated. The Party acting in a representative capacity (i) represents that the entity for which that party is acting already exists and (il) shall Deliver to the other Party and Escrow Holder, within 3 Days After Acceptance, evidence of authority to act in that capacity (such as but not limited to: applicable portion of the trust or Certification Of Trust (Probate Code §18100.5), letters testamentary, court order, power of attorroy, corporate reeoluticn, cr formation documents of the business entity). 20. JOINT ESCROW INSTRUCTIONS TO ESCROW HOLDER: A. The following paragraphs, or applicable portions thereof, of this Agreement constitute the joint escrow Instructions of Buyer and Seller to Escrow Holder-, which Escrow Holder Is to use elorig with any related murder offers and addenda, and any additional mutual instructions to close the escrow: paragraphs 1. 3, 413, 5A, 8, 7, 100, 13, 140, 17, 16A, 19, 20, 26, 29, 30, 31, 32 and paragraph D of the section lined Real Estate Brokers on page 10. If a Copy of the separate compensation agreement(s) provided for in paragraph 18A, or paragraph D of the section titled Real Estate Brokers on page 10 is deposited with Escrow Holder by Broker, Escrow Holder shall accept such agraemenas) and pay out from Buyer's or Seller's funds, or both, as applicable, if19 Broker's compensation provided for in such agreement(s). The terms and conditions of this Agreement not set forth In the specified paragraphs are additional mottera for the information of Escrow Holder, but about which Escrow Holder need not be concerned. Buyer arid Seller will receive Escrow Holder's general provisions, if any, directly from Escrow Holder and will execute such provisions within the time speefled in paragraph 7C(1)(c). To the extent the genet& provisions are Inconsistent or °will* with this Agreement, the general provisions will control as to the duties and obligations of Escrow Holder only. Buyer and Seiler will execute additional inetrucezna, documents and forms provided by Escrow Holder that are reasonably necessary to close the escrow and, as directed by Escrow Heiden within 3 (or ) Days, shall pay to Escrow Holder er HOA or HOA management company or others any fee required by paragraphs 7, 10 or elsewhere in this Agreement. B. A Copy of this Agreement including any ccunter offer(s) and addenda shalt be delivered to Escrow Holder within 3 Days After Acceptance (er ). Buyer and Seller authorize Escrow Holder to accept and rely on Copies and Signatures as donned In this Agreement as arterials, 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 Escrow Holder Signs this Agreement. Escrow Holder shall provide Seller's Statement of information to Title company when received from Seller. If Seiler delivers en affidavit to Escrow Holder lo satiety Seitees FIRPTA obilgation under paragraph 10C, Escrow Holder shall deliver to Buyer a Qualified Substitute statement that complies with federal Law.

Buyers fruiters X( 9CD1jxc. mrr ) effete initia RPA-CA REVISED 12/15 (PAGE 7 OF 10) CALJFORNtA RESIDENTIAL PURCHASE AGREEMENT (RPA- P.1d eveh 44'er:ra)e Yip! oce 115170 Krteül ?Ma ietre Feier, 1.4 chkan, 413026 , COUNTER OFFER

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Property Address: 14361 C.9roilrm Street, Adelanto, CA 92301 Aja ust 2, 2018 C. Brokers are a party to the ASCrWA, for the sole purpose cf compensation pursuant lo paragraph 18A and paragraph D of the section titled Heat Estate Brokers on page 10. Buyer and Seller• irrevocably assign to Brokers compensation specified in paragraph 18A, and kievocably instruct Escrow Holder to disburse those funds to Brokers at C/C30 Of Escrow or pursuant to any other mutually executed carcollation agreement. Compensation Instructions can be arronCed or revoked only with the writien consent of Brokers. Buyer and Seller shall release and hold harmless Escrow Holder from any liability resulting from Escrow Holders payment to Broker(s) of compensation pursuant to this Agreement, D. Upon rece;pt. Escrow Holder shall provide Seller rind Seller's Broker verification of Buyer's deposit of funds pursuant to paragapil 3A and 3E, Once Escrow Holder becomes aware of any of the ?clewing, Escrow Holder shall immediately notify all Brokers: (I) If Buyer's initial or any additional deposit or down payaient not made pursuant to this Agreement, or is not good at time of deposit with Escrow Holder, er (II) if Buyer and Soler instruct Escrow Holder to cancel escrow. E. A Copy or any amendment that affects any pnmgraph of this Agreement for which Escrow Heider is respensible shall be delivered ta Escrow Holder within 3 Days after mutual execution of the amendment. 21, REMEDIES FOR BUYER'S BREACH OF CONTRACT: A. Any clause added by the Parties specifying a remedy (such as release or forfeiture of deposit or making a deposit non-refundable) for failure of Buyer to complete the purchase In violation of this Agreement shell be deemed Invalid unless the clause Independently satisfies the statutory liquidated damages requirements set forth In the Civil Code. B. LIQUIDATED DAMAGES: If Buyer fails to comploto this purchase because of Buyer's default, Seller shall retain, as liquidated damagee, the deposit actually paid. If the Property Is a dwelling with no more than four units, one of which Buyer intends to occupy, then the amount retained shall be no more than 3% of the purchase price. Any excess shall be returned to Buyer. Except as provided In paragraph 14H, release of funds will require mutual, Signed release instructions from both Buyer and Seller, judicial decision or arbitration award. AT THE TIME OF ANY INCREASED DEPOSIT BUYER AND SELLER SHALL SiGN A SEPARATE LIQUIDATED DAMAGES PROVISiON INCORPORATING THE INcREepEPOSIT AS LIQUIDATED DAMAGES (O.A.R. FORM RID). Buyer's, In eats Sellers Initials 22. DISPUTE RESOLUTION: A. MEDIATION: The Parties agree to mediate any dispute or claim arising between thorn out of this Agreement, or any resulting transaction, before resorting to arbitration or court action through the C.A.R. Real Estate Mediation Center for Consumers (www.eensumermedietIon.org) or through any other metfirtion provider or service mutually agreed to by the Parties, The Part:es also agree to mediate any disputes or claims With Broker(s), who, in writing, agree to such mediation prior to, or within a reasonable time utter, the dispute or claim 13 presented to the Broker. Mediation fees, if any, shall be dKided equariy among the Parties iinvolvcd. If, for any dispute or claim to which this paragraph applies. any Party (r) col:commas an action without first attempting to resolve the matter through mediation, or (II) before commencement of an action, refuses to mediate after a request has been made, then that Party shalt not be entitled to recover attorney fees even if they would ally:Inert be available to that Party In any such action. THIS MEDIATiON PROVISION APPLIES WHETHER OR NOT THE ARBITRATION PROVISION IS INITIALED. Exclusions from this mediation agreement are spectfled In paragraph 22C. B. ARBITRATION OF DISPUTES: The Parties agree that any dispute or claim in Law or equity arising between them out of this Agreement or any resulting transaction, which is not settled through mediation, shall be decided by neutral, binding arbitration. The Parties also agree to arbitrate any disputes or claims with Broker(s), who, In writing, agree te such arbitration prior to, or within a reasonable time after, the dispute or claim Is presented to the Broker. The arbitrator shall be a retired judge or justice, or an attorney with at least 5 years of residential real estate Law experience, unless the parties mutually agree to a different arbitrator. The Parties shall have the right to discovery In accordance with Code of Civil Procedure §1283,05. In all other respects, the arbitration shall be conducted in accordance with Title 9 of Part 3 of the Code of Civil Procedure. Judgment upon the award of the arbitrator(s) may be entered Into any court having jurisdiction. Enforcement of this agreement to arbitrate shalt be governed by the Federal Arbitration Act. Exclusions from this arbitration agreement are specified in paragraph 22C. "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 INITIALING lN THE SPACE BELOW YOU ARE GIVING UP YOUR JUDICIAL RIGHTS TO DISCOVERY AND APPEAL, UNLESS THOSE RIGHTS ARE SPECIFICALLY INCLUDED IN THE 'ARBITRATION OF DISPUTES' PROVISION. IF YOU REFUSE TO SUBMIT TO ARBITRATION AFTER AGREEING TO THIS PROVISION, YOU MAY BE COMPELLED TO ARBITRATE UNDER THE AUTHORITY OF THE CALIFORNIA CODE OF CIVIL PROCEDURE. YOUR AGREEMENT TO THIS ARBITRATION PROVISION IS VOLUNTARY." "WE HAVE READ AND UNDERSTAND THE FOREGOING AND AGREE TO SUBMIT DISPUTES ARISING OUT OF THE MATTERS INCLUDED IN THE 'el:JI1RA-1'10N OF DISPUTES' PROVISION TO NEUTRAL ARBITRATION." Buyer's initials Itp Seller's Initials C. ADDITIONAL MEDIATION AND ARBITRATION TERMS: (1) EXCLUSIONS: The following matters are excluded from mediation and arbitration: (i) a Judicial or non.judiciai foreclosure or other action or proceeding to enforce a deed of trust, mortgage or Installment land sale contract as defined in Civil Code §2985; (ii) an unlawful detainer action; and (VI) any matter that is within the jurisdiction a probate, small claims or bank rtjp xLrj,„*.0 / )x tiors Initials X Buyors ) PPA-CA REVISED 12115 (PAGE a OF 10) CALIFORNIA RESIDENTIAL PURCHASE AGREEMENT (RPA. Yezet,v3(.1 we ziprorrn.9 by rizi,ngtg '0(370 Fauo re.d, micw9ari 43026 ri JECT-Tii COUNTER OFFER

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Property Ad0rOSS: 14381 Carolina Struot Ado!unto, CA 92301 Date: August. . .2# 2018 (2) PRESERVATION OF ACTIONS: The following shall not constitute a waiver nor violation of the mediation and arbltratton provisions: (I) the filing of a court action to preserve a statute of limitations; (ii) the filing of a court action to enabfe the recording of a notice of pending action, for order of attachment, receivership, Injunction, or other provisional remedies; or (III) the filing of a mechanic's lion. (3) BROKERS: Brokers shall not be obligated nor compelled to met/late or arbitrate unions they agree to do so In writing. Any Broker(s) participating in mediation or arbitration shall not be ckerned a party to this Agreement. V, SELECTION OF SERVICE PROVIDERS: Brokers do not guarantee the performance cf any vendors, service or product provkiers rProv4erei), whether referred by Broker or selected by Buyer. Seller or obter person. Buyer tied Seiler may select ANY Providers of their 014/1 choosing. 24. MULTIPLE LISTING SERVICE ("MIS"): Brokers are authorized to newt to the MIS a pending sate and. upon Close Of Escrow. the sales price and other terms of this transaction shall be provided to the feLS to be published and disseminated to persons and entities authorized to use the Information on terms appreved by the MIS. 26. ATTORNEY FEES: In any action, proceeding, or arbitration between Buyer and Seller arising out of this Agreement, the prevoalog Buyer or &Aar shall be endtied to reasonable attorney fees and costs from the non-prevailing Cloyar or Seller, except as provided in paragraph 22A, 20. ASSIGNMENT: Buyer shall not ass!gn allot any part of Buyer's Interest In this Agreement without first having obtained the separate written consent of Seiler to a specified assignee. Suet consent shall not be unreasonealy withheld, Any total or partial assignment shall not relieve Buyer of Buyer's obligellons puretrent to this Agreement unless otherwise agreed Irt writing by Seller. (CAR. Form AOAA), 27. EQUAL HOUSING OPPORTUNITY: The Property Is soet In compliance with federnt, state and local anti-discrimination Laws. 20. TERMS AND CONDITIONS OF OFFER: This Is an offer to purchase the Property on the above terms and conditions. The liquidated damages paragraph or the arbitration of disputes paragraph is Incorporated in this Agreement if Initialed by all Parties or if incorporated by mutual agreement In a counter our or addendum. If at least ono but not all Parties Initial, a counter offer Is required until agreement Is reached. Seller has the tight to continue to offer the Property for sale and to accept any other offer at any time prior to notification cf Acceptance. The Parties have read and acknowledge receipt of a Copy of the offer and agree to the confirmation of agency relationships. If this offer is accepted and Beyer subsequently defaults. Buyer may be responsible for payment of Brokers' compensation. This Agreement and any supplement, addendum or medalcation. including any Copy. may be Signed in two or more counterparts, ad of which shall constitute one and the same writing. 20. PME OF ESSENCE; ENTIRE CONTRACT; CHANGES: Time is of the essence. AO understandings between the Parties are Sneerer:rater:1in this Aereemerit. Its terms are interded by the Pates &se final, complete end exclusive expression of the* Agreement with respect to its subiect meet, and may not be menthe:el by evidence of any prior agreement or contemporaneous oral agreement. if any provision of this Agreement Is held to be ineff=lve er invalid, the remainlao provleons wil neverthetees be given kit trus and effect. Except es otherwise spedfierd, this Agreement seal be Interpreted and disputes shag be resolved fri uccorderice wth the Laws dere State of California. Neither this Agreement nor any provision In It may be extended, amended, modified, altered or changsce except In writing Signed by Buyer and Seiler. 30. DEFINITIONS: As used in this Agreement. A. "Acceptance" means the time the oiler or final counter offer is accented in writing by a Party and is delivered to and personally received by the other Party or that Party's authorized agent in accaortance with the terms of this offer or a final counter offer. B. "Agreement" moans this document and any counter offers and any Incorporated addenda, collectively forming the bindhig agreement between the Parties. Addenda am Incorporetnd only when Signed by all Partles. C. "CAR. FOITTO means the moat current version of the specific form referenene or another comparable form agreed to by the parties. D. 'Close Of Etcrow", including *COE-, moons the dale the grant deed, or other evidence of transfer of title, Is recorded. E. "Copy" means copy by any rnonna including photocopy. NCR facsimile and einctronlc. F. "Days" means wielder days. However, after Acceptance, the last Gay for performance of any act required by ilia Agreement (Including Close . Of Escrow) shall not include any Saturday. Surday, or legal holiday and shall instead be the next Day. G. "Days After" means the specified number of calendar days after the occurrence of the event specified, not counting the calendar date on which the specified event occurs, end ending at 11:59 PM on the final day. H. "Days Prior" means the apecified number of calendar days before the occurrence of the event specified, not counting the calendar date on which the speceed event Is scheduled to occur. 'Deliver", "Delivered" or "Delivery", unless otherwise specified in writing, means and shall be effective upon: personal receipt by Boyer or Seller or the ;ndivklual Real Estate Licensee for that principal as specified in the section titled Real Estate Brokers on page 10, regardless of the method used (i.e., messenger, mail, ()ma, fax, ether). .1. "Electronic Copy' or "Erect-male Signature" moans, as applicable, an electronic copy or signature complying with California Lava. Buyer and Seller agree that electronic moans will not be used by either Party to modify or alter the content or Integrity of this Agreement without the knowledge anti consorts of the other Party. K. "Law" moans any law, code, stntuto, ordinance, regulation, rule or order. which it adopted by a controlling city, county, state or federal letiislativo,Judlciat or executive body or agency. L. "Repairs" means any repairs (Including post control), alterations, replacements, modifications or retrofitting of the Property provided for under this Agreement. M. "Signed" means either a handwritten or electronic skytature on an original document, Copy or arty counterpart. 31. EXPIRATION OF OFFER: This offer shall be deemed tove4eci and the deposit, if any, shall be returnee to Buyer unless the offer is Signed by Seller and a Copy of the Signed offer le personally received by Buyer, or by who is authorize() 10 receive it, by 5:00 PM on the third Day after this offer is signed by Beyer (or by Ll E AM/ on (date)). I One or more Buyers is signing thls Agreement in a representative capacity and not for eireeerself as an individual. See attached Representative Capacity S;grtatUre Disdained (C.A.R. Form RCSD-B) for additional terms. Onto enemata 22:Cele BUYER slaehe'if 1";" (Print name) Hatnieth D. Tetronos Data MC2/2018221202 BUYER _24,i 414.tr... Tara,- te.ia2 (Print name) Viriga E. Terrcsnest 0 Addit(onal Signature Addendum attached (CAR. Form ABA). tiirs G.)1 RPA-CA REVISED 12/15 (PAGES OF 10) CALIFORNIA RESIDENTIAL PURCHASE AGREEMENT (RPA. 1,7r.tiatil .1h .;i:rorevii; 4 Antoor Mg) Rf...t...1 Raai, Frniar, 4=5co at 4.0EGT-T-a OFF

EXHIBIT "1" Page 31 Case 6:17-bk-18870-SC Doc 60 Filed 10/15/18 Entered 10/15/18 13:56:12 Desc Main Document Page 37 of 65

Property Address: 1,436.1 Str:eqLpdelanto, CA 92301 Date: August Z 2018 32. ACCEPTANCE OF OFFER: Seiler warrants that Seller is the owner of the Property, or has the authority to execute this Agreement Seller accepts the above offer, and agrees to sell the Property on the above terms and conditions. Seller has read aria acknowiedges receipt of a Copy of this Agreement, and authorizes Broker to Deliver a Signed Copy to Buyer. XXX (If chocked) SELLER'S ACCEPTANCE IS SUBJECT TO ATTACHED COUNTER OFFER (CAA, Form SCO or SMCO) DATED: August 13, 2018 LI One or more Sellers • is signing this, Agreement in a representative capacity and not for tern/herself as an individual. See attached Representative Capacity Signature closu F RCS for additional terms. Date 8L /3118 SELLER (Print narne) RoNnirk,Sur4 nptEr 7 Trutee_ Date SELLER (Print name) L !Additional S.gnature Adcenaum attached (CAR. Form ASA). I ) (Do not initial If making a counter offer.) CONFIRMATION OF ACCEPTANCE: A Copy of Signed Acceptance was (Initials) Personally received by Buyer or Buyer's authorized agent on (date) at , AMI r PM. A binding Agreement Is created when a Copy of Signed Acceptance is personally received by Buyer or Buyer's authorized agent whether or not confirmed in this document. Completion of this confirmation Is not legally required In order to create a binding Agreement: It is solely intended to evidence the date that Confirmation of Acceptance has occurred. REAL ESTATE BROKERS: A. Real Estate Brokers are not parties to the Agreement between Buyer mid Seller. B. Agency relationships are confirmed as stated in paragraph 2. C. If specified in paragraph 3A(2). Agent who submitted the offer for Buyer acknowledges receipt of deposit, D. COOPERATING BROKER COMPENSATION: Listing Broker agrees to Pay Cooperating Broker (Selling Firm) arid Cooperating Broker agrees to accept, out of Listing Broker's proceeds in escrow. Ire amount specified in !Iv MLS, provided Cooperating Broker is a Participant of the MLS hi which the Property is offered for sale or a reciprocal MLS.. If Listing Broker and Cooperating Broker are not both Participants of the MLS, or a reciprocal MLS, in which. the Property is offered for sale, then compensation must be specified in a separate written agreement (CAR. Form CBC). Declaration of License and Tax (C.A.R FOrrd DLT) may be used to document that tax reporting %roll be required or that an exernoVon exists.

Real Estate Broker (Selling Firm) Goodspeed .Group Inc. ORE tic. 4 0195.2656 ,...!Elica5e$6 OvureT0 Elizabeth Quintero ORE Lid, # 02012496 . Date . C9102/2018 20:19.35 By ORE Lie. /1 _Date Address 14465 Bear Valley Rd. Ste. F City Hesperia. Slate Ce,. Zip 92345 Telephone f760)552-3102 Fax (909)494-5516 E-mail elizabethtfilches71Oomall.coin FteRIS;state Em' er (Listin Firm) 1.1,nited California Realty BVR ORE Lie. # 00246422 EY SO.tios4,... Mary Lou Robinson ORE 1:xt.l Ot1953830 Data 51.-7-. By DP,E Fl Oote Address 12829 Bear Valley Rd City tilctorville State CA Zip 92392 Te:ephone (760 985-2999 Fax 7.60-049-3912 _ !s_elluhorne4farpqmoorn ESCROW HOLDER ACKNOWLEDGMENT: . Escrow Heider acknowledges 'eCe cf a Copy of this gce.fpcm. (if checked, a deposit in the amount of S ), counter offer numbers Select Staterrent of Irtfd,rnation one , and agrees 1:.3 act as Escrow tio4er subject to para;raph 20 of this Agreement, any supplemerital escrow instructions and the terms et Escrow I icider's general previsions. Escrow Helder is advised :hat the dale of Confirmation of Acceptenca of the Agreemer.t as between Buyer one Sete; is Escrow Holder Fsrirow By Dale Address ptione/PexrE-ma- it Escrow Holder has the following license number if riDeporiment of Business 0,:i•ersight,PDeportnicnt of Iniserance.I 1Department of Real Estate.

PRESENTATION OF OFFER: ( ) Listing Broker presented this offer to Sena. on (date). Brew t....rOtrinrs.osnisa:s

REJECTION OF OFFER: I ) No utii.iiiter offer is tieing made. This offer was re;ticted by Seller on SeUeA

C.11.41- 2015, C....vsfe...-na Ass-s---saat'cnol FIEAL TCRS1), c. Unstrd State% ozgyr.srg 4,4 tTeZe. 17 U S. C.'-vise) itltf 4m.k.f.n.trzi),1 eif.-ire and ,epro,,,cit tarn, a4.my ;:ortcr u,..-00.r. typmessor..^,py r Any nt!..or rneas11, f.a4s- of cOnraltrired frrmat1. IfCts FORM tIAS tiE.F.ss.`,N APPROVED 81' 1H.17, CALIFsCRN1A Assoc:el ',ON Of RFAL TOR!M IC .A R.I. NO REPFIESENTAT1CN iS MALI!.-:. AS TO THE LECA.L rY CR ACCUPACY CF ANY PRO,.n.SK.U>: :N ANY SPECIFIC: TRANSACTICN, A REAL ESTATE BROKER IS TisE PERSCN CUALIFIED TO ACVISE OH REAL ESTATE TRANSACTIONS. IF YOU DES/RE LEG 'AL CR TAX ADviCE. CONSULT AN APPROPPNATE PRCPESSIONAL 411)7 1 pe...r Putf;s1,ed end Dis:nbulpel by. Buie,* Acmovett,dges that cage '0 so pan tst its ATtoreen? X?, REAL ESTATE BUSINESS SERVICES. INC Buyers mItuys , a svbsiaiari Gt the CaLiFORNIA ASSOC/A trOtki or REALTORSZ ."--i• -525 na,gr, ViTi Avenue, Los AngOns, C,Iiiturni3 )0020 RPA-CA REVISED 12/15 (PAGE 10 of 10) 0...,..,- P F-', P t-T-7,9.'"' ''' CALIFORNIA RESIDENTIAL PURCHASE AGREEMENT (RPA-CA PItakilif tiE!,"1:121! i..- a 1.19 p ,...•..,. ,, if'ep ouror: rei ,nr.ingi,t ',,,11,3 I.,..7.1 M C, R(.1,..7., Vtas. PArt:11,4) 4 1 • '1 Cr CO,gaq FFER

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4-1114 CALIFOR.NIA illi ASSOCIATION BUYER'S INSPECTION ADVISORY V IV OF REALTORS° (CAR. Form BM, Revised 11114) Property Address 14381 Caroline S&Det , Melanie, CA 82301 1. IMPORTANCE OF PROPERTY INVESTIGATION: The physical condition of the iend and Improvements being purchased lariat guaranteed by either Seller or Brokers. You have an affirmative duty to exercise reasonable care to protect yourself, inoluding discovery of the legal, practical and technical implications of disclosed facts, and the investigation and verification of Information and facto that you know or that are within your diligent attention and observation. A general physical Inspection typically does not cover ail aspects cf the Property nor items affecting the Property that are not physically located on the Property. if the profess/en-Ws recommend further invesegatIons, including a recommendation by a peat control operator to Inspect Inaccessible areas of the Property, you should contact qualified experts to conduct such additional Investigations. 2. BROKER OBLIGATIONS: Brokers do not have expertise In all areas and therefore cannot advise you on many items, such as those listed below, If Broker gives you referrals to professionals, Broker does not guarantee their performance. 3. YOU ARE STRONGLY ADVISED TO INVESTIGATE THE CONDMON AND SUITABILITY OF ALL ASPECTS OF THE PROPERTY, INCLUDING BUT NOT warm) TO THE FOLLOWING. IF YOU DO NOT DO SO, YOU ARE ACTING AGAINST THE ADVICE OP BROKERS. A. GENERAL CONDITION OF THE PROPERTY, ITS SYSTEMS AND COMPONENTS: Foundation. roof (condition, age, leaks, useful life), plumbing, heating, air conditioning, electrical, mechanical, security, pool/spa (cracks, leeks, operation), other structural and nonstructural systems and components, fixtures, buiftan appliances, any personal property included in the sale, and energy efficiency of the Property. B. SQUARE FOOTAGE, AGE, BOUNDARIES: Square footage, room dimensions, lot size, age of Improvements end boundaries. Any numerical statements regarding these items are APPROXIMATIONS ONLY and have not been verified by Seller end cannot be verified by Brokers. Fences, hedges, walls, retaining walls and other banters cc markers do not necessarily Identify true Property boundaries. C, WOOD DESTROYING PESTS: Presence of, or conditicna likely to lead to the presence of wood destroying pests and organisms. D. SOIL STABILITY: Existence of fill or compacted soli, expansive or contracting soil, susceptibility to slippage, settling or movement, arid the adequacy of drainage. E. WATER AND UTILITiES; WELL SYSTEMS AND COMPONENTS; WASTE DISPOSAL: Water and utility availability, use restrictions and costs. Water quality, adequacy, condition, and performance of wag systems and components. The typo, size, adequacy, capacity and condition of sewer and septic systems and components, connection to sewer, and applicable fees. F. ENVIRONMENTAL HAZARDS: Potential environmental hazards, including, but not limited to, asbestos, lead-based paint and other lead contamination, radon, methane, other gases, fuel oil or chemical storage tanks, contaminated soli or water, hazardous waste, waste disposal sites, electromagnetic fields, nuclear sources, and other substances, materials, products, or conditions (Including mold (airborne, toxic or otherwise), fungus or similar contaminants). G. EARTHQUAKES AND FLOODING: Susal Deny of the Property to earthquake/sake-nit hazards and pm penalty of the Property to floccl. H. 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 his hazard zone, and other conditions, such as the age of the Property arid the claims hbtray of the Property and Buyer, may affect the availability and need for certain types of Insurance. Buyer should explore insurance options early as this Information may affect other decisions. Including the removal or loan and inspection cont1ngent:54a. I. BUILDING PERMITS, ZONING AND GOVERNMENTAL REQUIREMENTS: Permits, inspections, certificates, zoning, other governmental limitations, restrictions, and requirements affecting the current or future use of the Property, Its development crate. J. RENTAL PROPERTY RESTRICTIONS: Some cities and counties impose restrictions that fiat the amoura of runt that can be charged, the maximum number of occupants, and the right of a landlord to !emanate a tenancy. Deacibielt or other locks and security system for doors end wIndcwa, Including window bars, shouki be examined to determine whether they satisfy legal requirements. K. SECURITY AND SAFETY: State and local Law may require the installation of barriers, access alarms, self-tatclang mechanisms and/or other measures to decrease the risk to children and other parsons of existing swimming pools and hot tuba, as well as various tire safety and other measures concerning other features of the Property. L NEIGHBORHOOD, AREA, SUBDIVISION CONDMONS1 PERSONAL FACTORS: Neighborhood or area conditions, including schools, law enforcement, crime statistics, registered felons or offenders, fire protection, other government services, availability, adequacy and cost of Internet connections or other technology services and installations, commercial, industrial or agricultural activities, existing and proposed transportation, construction and development that may affect noise, view, or traffic, airport :wise, noise or odor from any source, wild end domestic animals, other nuisances, hazards, or circumstances, protected species, wetland properties, botanical diseases, historic or other governmentally protected sites or improvements, cemeteries, facilities and condition of common areas of common interest subdivisions, and possible lack of compliance with any governing documents or Homeowners' Association requirements, conditions and Influences of significance to certain cultures and/or religions, and personal needs, requirements and preferences of Buyer. By signing below, Buyers acknowledge that they have read, understand, accept and have received a Copy of this Advisory. Buyers are encouraged to read it carefully. Buyer Vaidefil 1) Tirrones V oacnrila 2216 Buyer ?Mika E. Te1-rane6 $ oexar2D18 221202 Haneodi D. romance Iltrika E Timm= 01591-2864, Caltiernla Amsbalcsi at REALTORS% Inc. 11115 FORM HAS BEEN APPROVED Mr THE CALIFORNIA ASSOCIATION OF REALTORS. (CAR.). NO REPRESENTATION 18 MADE AS IV 111E LEGAL VAUDITY OR ACCURACY Or ANY PROVISION IN ANY SPECIFIC TRANSACTION, A REAL ESTATE BMICM IS THE PERSON OUALIE 1ED TO ADVISE ON REAL ESTATE TRANSACTICNS, IF YOU DESIRE LEGAL OR TAX ADVICE, CONSULT AN APPROPRIATE PROFESSIONAL. Published and DIstrtbutod by. REAL ESTATE BUSINESS SERVICES, INC. 4 sidisIdtarycittho Pgroent Assoadion at REALTORS 526 scull'. vvuti Manua. Os Angeles, CatIfornia 90020 BIA REVISED 11114 (PAGE 1 OF 1) BUYER'S INSPECTION ADVISORY (BtA PAGEco 1 OF 1) Gomm= Mau? Um, tots um vaLii oz. mar r c.. nus Rem (710}3.1341 03 Pox: cK1)044511 1014 C emus SIlizbeb 0.64we Produced set :10-ono* by zelautt 1070 Moon Oft Per.d. Frmar. )Atnkcin 4602S Etnitxplacduam

EXHIBIT "1" Page 33 Case 6:17-bk-18870-SC Doc 60 Filed 10/15/18 Entered 10/15/18 13:56:12 Desc Main Document Page 39 of 65

„r411/4 CALIFOR.NIA DISCLOSURE REGARDING 1111k1N, ASSOCEATION REAL ESTATE AGENCY RELATIONSHIP 1004ir OF RF.ALTORS zts (Selling Firm to Buyer) (As required by the Chill Coda) (C.A.R_ Form AO, Revised 12/14) 0 (If masked) This form is being provided in v....I:motion with a transaction for a leasehold Interest oxceeding one year as per Civil Code section 209.1300, (I) and (m). When you enter Into a discussion with a real estate agent regard:ng a reel estate transaction, you should from the outset understand what typo of agency relationship or representation you wish to have with thu agent in the transaction. SELLER'S AGENT A Seller's agent under a listing agreement with the Seller acts as the agent for the Seiler only. A Seller's agent or a subagent of that agent has the following affirmative obligations: To the Seiler. A Ficluctary duty of utmost care, integrity, honesty and loyalty In Coatings with the Seller. To tne Buyer end the Seger; (a)Diiigent exercise of reasonable skill and care in performance of the agehtle dudes. (b)A duty of honest and fair dealing and good faith. (o)A duty to disclose all facts known to the agent materially affecting the value or desitablay of the property that are riot known to, or within the diligent attention and observation of, the parties. An agent is not oteigated to reveal to either party any confidential information obtained from the other party that does not Involve the affirmative Outlets set forth above. BUYER'S AGENT A selling agent can, With a Buyer's consent, agree to act as agent for the Buyer only. In those situations, the agent Is not the Seller's agent, even if by agreement the agent may rx3ceive compensation for services rendered, either In full or in part from the Setter. An agent Wing only for a Buyer has the followIng affirmative obligaticne: To the Buyer: A fiduciary duty of utmost care, integrity, nonosty and loyalty in dealings with the Buyer. To the Buyer and the Seler: (a)Diligent exercise of reasonahe skill and care in performance at the agent's duties. (b)A duty of honest and fair dealing and good faith. (e)A duly to disciose all facts known to the agent materially affecting the value or desirability or the property that am not known to, or with:e the diligent attention and observation of, the parties. An agent is not obligated to reveal to either party any confidential Information obtained from the other party that does not involve the affirmative duties set forth above. AGENT REPRESENTING BOTH SELLER AND BUYER A reel estate agent, either acting directly or through ono or more associate licensees, can legally be the agent of both the Soifer and the Buyer in a transaction, but cnty with the knowledge and consent of both the Seller and the Buyer. In a dual agency situation, the agent has the following affirmative obligations to both the Seller and the Buyer. (a)A fiduciary duty et utmost care, Integrity, honesty and leysilly in the dealings with either the Selleror the Buyer. (b)Other duties to Vie Setter and the Buyer no elated above in their respective sections. In representing both Seller and Buyer, the agent may not, without the expreen nertrl-..sion of the respective party, disclose to the other party that the Seiler wet accept a price less than the listing once or that the Buyer will pay a price greater than the price oared. Thu soave dutios of the agent in a rani °stew truneoutico do not rulleve ta Sailor or Duyor from the resportsIbitity to protect his or her own Interests. You should carefully read at agreements to assure that they adequately express your understanding of the transaction. A reel estate agent Is a person qualified to advise about real estate. If legal or tax advice is desired, consult a competent profesglonal. Throughout your reel property transaction you may receive more than one disclosure form, depending teem the number of agents assisting In the transaction. The law requires each agent with whom you have morn than a ensuel relationship to present you with this disclosure form. You should read es contents each time it is presented to you, considering the relationship between you and the real estate agent in your specific transaction. This disclosure form Includes the provisions of Sections 2079.13 102079_24, Inclusive, of the Chel Code set forth on page 2. Read it carefully. ME ACKNOWLEDGE RECEIPT OF A COPY OF THIS DISCLOSURE AND THE PORTIONS OF THE CIVIL CODE PRINTED ON THE BACK (OR A SEPARATE PAGE). Dote 3190t20-18 2208.10 0 Buyer 0 Seiler 0 Landlerd 0 Tenant 91447/1.-411/2 D7?,t(CtleS $ liairdigh D. Torrontir Date (=mom 2212:02 14 atty.& LI Seller fl Landlord 0 Tenant mut td... ie Woks a 74inim. Agent Goodspeed Group inc. ORE Lis. ft 01952068 D.-.4ival Estee Broker (Firm) Bela Cft,112/2018 2D:19:35 BY Elinlfieth 011iiii otfl tJ DRS tic. 4 02012406 (Sales:m=1i or Broker-Assecfate) Elizabeth Otsinforo Agency Uscesure Compliance (Civi Code §207g.14). When tne listing brokerage company also represents Buyerlfenant: The usung Agent shaft, ye one AD form s,gritel by SeIleeLanclort and rt ditenee AD farm signed by Buyer/Tenant. • When SelleriLandlerd and Buyer/Tenant are represented by dNerent Drolterage cote:pied . (I) the Lis An! snail have one AD form signed by Seller/Landlord and (4) Ult1 Buyarerfenenre Agent shall nave one AD form alcu44'f,.2tiiyerrr9mtrI. yd either that same or ad'eforett A presented to Selier/Lanclord for signature prior to presentation of the offer. far ay sign here:

Seiler/L2rIdlord Onto Raman Sm.:lotions:I

*If,a121)10. C1r.,91;a AlzociPlioft FgALTORS.V. 'nc. AD REVISED 12114 (PAGE 1 OF 2) COUNTER DISCLOSURE REGARDING REAL ESTATE AGENCY RELATIONSHIP (AD PAGE 1 OF 2) ER 1 imobsrcr.n rat CUP INC” WO 8,,r Ys1", tUt. UNITE Honuktio,, VA. 9130 Phona: (740),151-31 Fug tt0)-04-21t toe etr-nt- tissiumb Qiittuera Prcctucad vgcre,a zOt.potx 180U Hr.., 4ein ite4.1, Ft Mtn, lAdlistin 40025 ra*X40321Lum

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Cf111 te CODE SECTIONS 2079.24(2019.18 APPEARS ON THE FRONT) 2079,13 As used In Seetlena 2079.14 to 2019.24, inclustve, the Miming terms have tee tulkniAng mearengs: (a) 'Agent means a person aCiirlg under proyisbrts or Me 9 (commencing vedh Sedi311 2295) In a reed property transaction, and Includes a person who In licensed as a real (Watt broker under Chapter 3 (commencing with Section 10130) or Part tot Division 4 of the Business and Professitens Coda, and under whose license a listing is executed or an offer to putchase in obtained. (b) "Assodate licensee' maims a person eno la licensed as a real estate broker or salesperson under Chapter 3 (commereing with Section 10130) of Pad 1 ol Division 4 of the Business and Profeeneene Code and who is fetes licensed under a Witter or has entered into written contract veth a broker to act as the btokeea agent in =erection with acts Revering a real estate license and to function under he brokeee surehislan In the capacity of an assodate licensee. Thu agent in the reel property Mumacton bears response:City for his Cr her associate ecensees who perform as agents of the agent. Men an assodate licensee owes a duty to any pfindpal. ode arty buyer or setter who Is not a principal. in a real property transaction, that duty in equivatent to the duty owed to that party by the broker fcr whom the associate licensee &Indians. (a) 'Buyer means a transferee In a real property trareacten, and Inckeles a potion who executes an offer to purchase reel property from a sailer drouge an agent. cc who seeks the services of an agent in more than a casual. transitory, or pretereniuy manner, with the object of entering into a real PfloPetY Valuator. 'Buyer Includes vendee or teases. (d) 'Commercial real property' means ell real property In the elate, except single-family residential real property, dwelling untie made subtect to Chapter 2 (corrimenctng with Section 1940) (Ante 5. mobiehornes, as detened to Section 7911.3. or recteatenel vetectere as defined in Section 799,29. (a) 'Dual agent" rrftaiel an agent adirg, seller directly or through an module licensee, as agent for both the sietier and the buyer in a real property transaCton. (f) 'Listing awesom' mane a centred between en reener of real property and an agent, by which the agent has been authorized to sett he raid property or to find or obtain a buyer. (g) 'Listing agenr moues a person who has obtained a [bang of real properly to act as an agent for compensation. (h) 'Listing price' is the amount expressed in dollars specified in the listing for which the artier Is wiling to sae the real property thnaugh the listing agent (1) 'Offering price' Is the amount expressed in donee specified In en offer to purchase eer which the buyer is welting to buy the rate property. 0) 'Offer to Purchase. moans a entice =tract axectead by a buyer acting through a seeing agent that becomes the contract for the site of the real property upon acceptance by the miler. N 'Read pr.:peer means ary estate epac2ed by subdhision (1) or (2) of Section 781 in property that consteutee or Is Improved with one to four dweeing units, any commercial real property, any tsesehold In these types'of property exceeding one yeses &ration, and ntobtletiornea, when offered tor sate or said through an aged purstiant to the authority contained in Section 10131.0 or Me eustneee and Profeeseene Code. (T) 'Real property transaction' means a transaction foe the sale of real PrEoPertY Li Mitch an agent in enidoyed by one or more of the preicIpals to act In that transaction. and Indudes a feting or an offer to purchase. (m) 'Sete 'sake or eared' refers be transaction for the trensfer of real properly from the sager to the buyer, arid includes wxchanges of reel property between the seller end buyer, transactbris forehe ovation of a real property sates contract within the meaning of Section 2985, and transactions for the creation of a leasehold exceeding one yeate Wagon. (n) means the transferor in a real property transaction, and includes an Mater who lists real property with an agent whether or net a eeneter mulls, or who (*acolyte!, an after to purchase real property of wheat] he or she is the owner from en agent on behalf of another, 'Selene etchxfies both a vender and a eseor. (a) 'Seine agtortr mans [sling agent who acts alone, or an agent who acts In cooperation with a hem agent, and who sells or finds and obtains a buyer *x the real property, or an agent wee locales property lore buyer or who finds a buyer for a property for which no listing exerts rued presents en offer to pundiese to the sailor. (p) 'Subagent' metre a person to whom an agent delegates Nancy powers as provided in Article 5 (commencing with Section 2349) of Chapter 1 of Title 9. However, 'subagent* does not include an associate licensee 'gm is acting under the supervieten of an agent In a real property transaction. 2079,14 Letting Kerne and sedlrig agents steel prevkle the weer and buyer In a real property transaction with a copy of the dtscbeura fern epedtled Li Section 20e9.16, and, except as provided In subdivision (c), seise obtain a signed acknowiedgement of receipt from that sailer or buyer, except as provided in the section or Section 2079.15, ea teepee: (a) Tee listing agent. V any, shell provide the disclosure form to the seller prIer to entering into the kens; agreement. (b) The treeing agent shall provide the disclosure form to the seller as soon as practicable prior in presenting the seem ieth an offer to purchase, unless the seeing ague ereeteesty presided Me seller with a copy of he dledosere form pursuant to subdivision (a). (c) Where the yelling agent does nct [feel on a race-to-faces Wale with the aster, ate cisdosure farn prepared by the sang agent may be furnletted to the neer (arid acknowledgement of receipt obtained far the seeing agent from the sonar) by the listing agent, or the setting agent may deliver the &donee form by certified mail a cktressed to the seder at his or her last known address, in which case ft0 leaned acknotdedgernent of receipt Is required. (d) The selling Kent shall provide the rescicreure term to tee buyer as soon as predicable price to execution of the buyer's offer to pischate, except that if the offer to purcheee Is not prepared by he seeing wort Me &One agent shall present the cractoeure form to the buyer not tater him the reed business day after the seeker agent receives the offer to purchase from the buyer. 2079.15 in any cleetenstance In which the seller or buyer refuses to sign ea acknowledgement of reoept pursuant to Section 2079.14, the agent. or an associate licensee acting for an aged, shall set forth, sign, and date a wettan decimation of the facts of the refusal. 2079.18 Reeroctuoec on Page 1 of this AD form 2079.17(e) As soon ea praelcsble, the selling agora shalt disci:me to me buyer ancl enter vittalliet 6ellnig agent is ailtng In the real property trartatt.kion elotiesktsti as the Cuyees agent, erciusNeser as the meets agent, or as a dual agent representeig both Ma buyer and trio scller. This retailourdp ghat be confirmed In the anted to purchase and ad real property ar in a separate Witty executed or adotoeiedged by the eerer, he buyer, arid the selling agent prior to ce coke:lent with execueon of that centreet by the buyer and the seller, respectively. (b) A seen as predicable, the listing Event Mal dIsCiaSe to Su seller whether the listing agent is aVeng in the rest property transection exclusively as the settees agent, or acre dual agent represeneng both the buyer and seller. This rotalbastipchat be confirmed In tho contract to purchase and see red property crr in a separete vetting executed ce acirnowledged by the seller and tha Using Kant prior toot wire:tort Mei Me execution el that contract by Ihe Belief. (c) The coefirmatkin receired by aubdivfaions (a) and (b) Mae be in the fotiewing fain. MO NOT COMPLETE. SAMPLE ONLY) Is the agent of (check one): 0th. seller exdusivety; or both the buyer and seller. (Nerno of U citing Aged) (001MT COMPLETE. SAMPLE ONLY) Is the agent of (check one): the buyer exclusively; orpthe seller ex.eluslvety; or (Name of Selling Agent find the ise.me as Me tleerto Nen* 0 both the buyer arid seller. (d) The disclosures and cortgrmation required by this section shot' be In addition to the disclosure required by Section 2079.14. 2079.111 No seerg agent in a nee property transaction may ad as an agent for the buyer only, when the veiling went Is Edso seem as Ins [Whig Meet in the trensadeon. 2070.19 The payment of oorriaeneetion at the obligation to pay compensation to an agent by the sailer or buyer In not escesserey ClotannInadve at a parkular agency rdationshlp between an agent and the seem or buyer. A !Meg agent and a sating agent may agree to share any compensation or iximmtesien raid, of any riot to any componeation or corraniesion fur which an obligation arises ea the result of a real estate transectkx), and the tams of arty such agreement shall riot naceseruiTy be determinative of a particular relationship. 2079.20 Notting In thee elide prevents an agent from selecting, as a condition af the agent's employment, a specific forrn of agency retationshlp not specifically prohibited by the article if the requirements of Section 2079.14 and Sectkel 2079.17 are complied Mee 2079.21 A dual agent shell net credos° to the buyer that the seem Is vAieng to sail the property at a price tens than the listing price, %yawl the express mitten consent of the Neer. A dual agent that not disclose to the seller that the buyer is wiling to pay a price greater than the offering price, without the express written consent of Ins buyer. This section does net alter In any way the duty or reeponsibitty of a dual agent to any principal with respect to confidential Informaton other then price. 2070,22 Nothing in rnte amide precludes a Iteeng agent from also being a leteng agent arid the combination of thew functions In one agent does riot. of Itself, make that agent a dual aged. 207023 A contract between the windiest and agent may be nexteled or altered to orange the agency retadonshlp at any erne before the performance of the act which is the object of the agency with the mitten consent of the parties to the agency relationship. 2079.24 Nothing In this article shall be =warned to either dentnain the duty of disclosure owed buyers and senora by agents and thee associate licensees, subagents. and employees or to relieve agents and their associate licensees, subagents, and employees from liability for their conduct In connection with acts governed by the article or for any breach of a Rduclary duty or a duty of dlSclOSure. an Putashod and DistIZAsd by el 1991-20i0, California Atisocratlan of REALTORS, Inc. FHIS FORM HAS BEEN APPROVED REAL ESTATE SuserEas sEttvicEa. BY THE CALIFORNIA ASSOCIATION OF FlEALTORS1) (OAR.). NO REPRESENTATION C3 10.:Sji a subonefy of Om Cafronsia Assochtlan of REALTORS') MADE AS TO THE LEGAL VALIDITY OR ACCURACY OF ANY PROVISION IN ANY SPECIFIC • 525 Sova Vogl Aroma, Lee Peaolga. Csiikgria ex= TRANSACTION. A REAL ESTATE tIROKeR IS THE PERSON QUALIFIED TO ADVISE ON egeT,A... AD REVISED 12/14 (PAGE 2 OF 2) REAL ESTATE TRANSACTIONS. IF YOU DESIRE LEGAL OR TAX ADVICE, CONSULT AN AP PROPRIATE PROFESSIONAL DISCLOSURE REGARDING REAL ESTATE AGENCY RELATIONSHIP (AD PAGE 2 OF 2) prodaixti voth zlpFettre by 2.1plecnt 18070 Moon 14411e Ragel, Prow. IQ atirt1 ,Itte2a sonssiotuilsaca su 21,,V3rirri," .Z3‘ COUNTER IFFE

EXHIBIT "1" Page 35 Case 6:17-bk-18870-SC Doc 60 Filed 10/15/18 Entered 10/15/18 13:56:12 Desc Main Document Page 41 of 65

CAI,IFORNIA alai lob ASSOCIATION POSSIBLE REPRESENTATION OF MORE THAN ONE BUYER OP REALTORS OR SELLER - DISCLOSURE AND CONSENT Form PREIS, *11/14)

A real estate broker (Broker), whether a corporation, partnership or sole proprietorship, may represent more than one buyer or seller. This multiple representation can cccur through an individual licensed as a broker or salesperson or through different Irail‘idual broker's or salespersons (associate licensees) acting under the Broker's license. The associate licensees may be working out of the same or different office locations. Multiple Buyers: Broker (Individually cr through its associate licensees) may be working with many prospective buyers at the same time. These prospective buyers may have an Interest in, and make offers on. the same properties. Some of these properties may be listed with Broker and some may not. Broker will not limit or restrict any particular buyer from making an offer on any particular property whether or not Broker represents other buyers interested in the same property. Multiple Sellers: Broker (individually or through Ile associate licensees) may have listings on many properties at the same time. As a result, Broker will attempt to find buyers for each of those fisted properties. Some listed properties may appeal to the same prospective buyers. Some properties may attract more prospective buyers than others. Some of these prospective buyers may be represented by Broker and some may not. Broker will market all listed properties to all prospective buyers whether or not Broker has another or other listed properties that may appeal to the same prospective buyers, Dual Agency: If Seller is represented by Broker, Seller acknowledges that broker may represent prospective buyers of Sellers property and consents to Broker acting as a dual agent for both seller and buyer In that transaction. If Buyer is represented by Broker, buyer acknowledges that Broker may represent sellers of property that Buyer is interested in acquiring and consents to Broker acting as a dual agent for both buyer and seller with regard to that property. in the event of dual agency, seller and buyer agree that: (a) Broker, without the prior written consent or the Buyer, wilt act disclose to seller that The Buyer is willing to pay a price greater than the offered price; (b) Broker, without the prior written consent of the seller, will not disclose to the buyer that seller is waling to sell property at a price less than the listing price; and (c) other than as set forth In (a) and (b) above, a dual agent is obligated to disclose known facts materially affecting the value or destratality of the property to both parties. Offers not necessarily confidential: Buyer is advised that seller or listing agent may disclose the existence, terms, or conditions of buyer's offer unless all parties and their agent have signed a written confidentiality agreement Whether any such information is actually disclosed depends on many factors, such as current market conditions, the prevaOing practice in the real estate community, the listing agent's marketing strategy and the Instructions of the seller. Buyer and seller understand that Broker may represent more than one buyer or more than one seller and even both buyer and seller on the same transaction and consents to such relationships. Seiler and/or Buyer acynowledges reading and understanding this Possible Representation of More Than One Buyer or Seller • DIscid re a dç.paun d ag d to -6 agency possibilities disclosed. Karl ArWaratiir Tru.s tea_ // Seller IMMOMMIAZI VOW / / 0 Seller Date Buyer 514/rd.el4 Tames Hamioth D. Terrones Date CeAnWis m4 le Buyer **a E ta Ulrike E. Terrones Date eP"-r2°1A 72;t2c2 Real Estate Broker (Firm) United California Rea& BVR ORE tic # 00246422 Date By DRE Lic if 00953830 Date Mary Lou Robinson Real Estate Broker (Firm) Goodspeed Grolip inc. DRE Lb c if 01052656 Date 08/02/2018 By frzaratA Quinzetb ft) DRE Lb c if 02012496 Date C,VeMata 2G1235 Elizabeth Quintero

2014, CzkfceVa kisociafion REALICROW, t StatOS OOPY6,1ht -Zot (to 17 U.S. Cob) Ivztikhi tba .moMortz90 dar.Tb-Aorl, akgay and ;epreck.r.-Ze of It3 form, Dr any pod:v(1 throuot, by pho1=•,:ty rraz:fto r any aim; miuste. Intiudno loco!rr.i1oorcTF,4tolfzeif taTiAtti. THIS KA$ SEEN APPROVED BY THs CAUFORNIA ASSCCATIcu OF REALTCRWit (OAR.). NO REPRESENTATlaN IS MADE AS TO 'TM E LEGAL VAUDITY OR ACCURACY OF ANY PROVIS1ON IN ANY SPECIFIC TRANSACTION. A REAL ESTATE BROKER IS 111E PERSON QUALIFIED TO ADV7SE. ON REAL ESTATE TRANSACTIONS. IF YOU DESIRE LEGAL OR TAX ADVICE: CONSULT AN APPROPR:ATE PROFESSIONAL. Tiv4 loon modu available 4.0 Mal eStfita OfrafOSS40(10 ttifOughott agrocnzoni 4,421o, pvtchase 'tom the CaIzrIa AssOdkitiori ca REALTORS& II Is no: trtone.r.si 10 Itently the user os u REALTOR& RE:Al:TORO lo rt..4suoott otsflectivo MuMberzhip mark *KO may be truttl only hy memben.: of the NATIONAL ASSOO;ATION OF REALTORS0 who, 41,tgatb. :0 Its Code of filhics. Published and Disbiluled REAL ESTATE BUSINESS 9ERV4CES. subedialyAraso Cailftxnlet Atscaion c:f REAL ToRse SUBJECT • 525 South WO Aveom, Los Any:ix:, CittlIanift 90020 PRBS 11114 (PAGE 1 OF 1) COUNTER . POSSIBLE REPRESENTATION OF MORE THAN ONE BUYER OR SELLER (PRBS PAGE 1 OF r7;0(111.6rt,ZO GROCV DK% 14655 am.' liaZ.T.RO.1,161: the.. tta. Ca. 5L)4 Korx CY,44.1314151 Pim (7404.ti 14.111 Cuntis* j tri414.116 giauuwo ,,,aducsai*ith d;.• Fur,* tr,..*:.41:.N 1.5070 Moen !Au Aral, rt:ssist, valuv:n4a= wee-tal.as's,:rx

EXHIBIT "1" Page 36 Case 6:17-bk-18870-SC Doc 60 Filed 10/15/18 Entered 10/15/18 13:56:12 Desc Main Document Page 42 of 65

• CALIFOKNIA WIRE FRAUD AND ELECTRONIC FUNDS ▪ ASSOCIATION TRANSFER ADVISORY OF IkE A LT 0 RS '14 (CAR, Form WFA, Revlood 12/17)

Property Address: 14361 Caroline Street Adelanto, CA 92301 ("Property). WIRE FRAUD AND.ELIRMIrtfUNES_IRANSFERS ADVISORY: The ability to communicate and conduct business electronically Is a convenience and reality in nearly all parts of our Wes. At the same time, it has provided hackers and scarnmers new opportunities for their criminal activity. Many businesses have been victimized and the real estate business is no exception. While wiring or eectronically transferring funds is a welcome convenience, we ail need to exercise extreme =Alan. Emails attempting to induce fraudulent wire transfers have been received and have appeared to be legitimate. Reports indicate that some hackers have been able to intercept °mailed transfer instructions, calm account Information and, by altering some of the data, redirect the funds to a different account. it also appears that some hackers were able to provide false phone numbers for verifying the wiring or funds transfer instructions. In those oases, the victim called the number provided to confirm the instructions, and then unwittingly authorized a transfer to somewhere or someone other than the intended recipient, ACCORDINGLY, YOU ARE ADVISED: 1.0btaln phone numbers and account numbers only from Escrow Officers, Property Managers, or Landlords at the beginning of the transaction. 2.D0 NOT EVER WIRE OR ELECTRONICALLY TRANSFER FUNDS PRIOR TO CALLING TO CONFIRM THE TRANSFER INSTRUCTIONS. ONLY USE A PHONE NUMBER YOU WERE PROVIDED PREVIOUSLY. Do not use any different phone number or account number Included in any emailed transfer instructions. 3. Orally confirm the transfer Instruction is legitimate and confirm the bank routing number, account numbers nnd other codes before taking steps to transfer the funds. 4. Avoid sending personal Information In emits or texts. Provide such information in person or over the telephone directly to the Escrow Officer, Property Manager, or Landlord. 5.Take steps to secure the system you are using with your email account. Those steps include creating strong passwords, using secure WiFi, and not using free services. If you believe you neve received questionable or suspicious wire or funds transfer Instructions, Immediately notify your bank, and the other party, and the Escrow Office, Landlord, or Property Manager. The sources below, as well as others, can also provide information: Federal Bureau of Investigation: https://www.ibi.gov/: the Frills IC3 at www.iclgov: or 310-477-6565 National White Collar Crime Center: littp://www.nw3c.orgi On Guard Online: https://www.onguandonline.gov/ NOTE: There are existing alternatives to electronic and wired fund transfers such as cashier's checks. By signing below, the undersigned acknowledge that each has read, understands and has received a copy of this Wire Fraud and Electronic Funds Transfer Advisory/ BuyeriTenantX ,444:Ar1echri. li-tc4es Hatnleth D. TerrenesDate 05t02/2111a22:Cs3:16 Buyer/Tenant X Ulrfka E. TerronesDate 0S'02/2018 22:12:07 --1A6vz -E. Seller/LandlordX .. Razaoo$44;44/44144-Pate Seiler/Landlord e. ' .._,Kar.i_Aild ersonffs_q_a_LODate .02015-2017, CAlitorra Associalbrl of REALTORS:O. lOo. .1:riled Mates cog)Tight law (Tito 171.).S. Coca) tothids !be orta•1bc.:42e1 ige.rthrion, dloVsy a..d ./rarocitron of f,,,tis forra, or any polttoo tharoat, by obotoccpy mumilno or any ottior man, inasdro tactrm'

EXHIBIT "1" Page 37 Case 6:17-bk-18870-SC Doc 60 Filed 10/15/18 Entered 10/15/18 13:56:12 Desc Main Document Page 43 of 65

RICHARD A. HALDER1MAN, JR. FILED 3857 Birch St., Suite 480 2 Newport Beach, CA 92660 JUL 12 2018 3 Phone: (949) 500-8324 CLERK U.S. BANKRUPTCY COURT CENTRAL1 DISTRICT OF CALIFORNIA Email: [email protected] BY: Deputy Clark 4 MARY LOU ROBINSON 5 United California Realty 6 12829 Bear Valley Road Victorville, CA 92392 7 Phone: (760) 985-2999 Email: iselluhomes@,msn.com 8

9 Proposed Real Estate Broker for Applicant 10 Karl Anderson, Chapter 7 Trustee

11

12 UNITED STATES BANKRUPTCY COURT

13 CENTRAL DISTRICT OF CALIFORNIA

14 RIVERSIDE DIVISION 15 In re CASE NO. 6:17-18870 SC 16 Chapter 7 17

18 SUNDERLAND, ROZANN CHAPTER 7 TRUSTEE'S APPLICATION TO EMPLOY 19 RICHARD A. HALDERMAN, JR. AS INDEPENDENT REALTOR 20 AND MARY LOU ROBINSON OF UNITED 21 Debtor. CALIFORNIA REALTY AS JOINT REALTORS; DECLARATION OF 22 PROPOSED REALTOR 23 24

25 Karl Anderson, Chapter 7 Trustee ("Trustee") for the bankruptcy estate of Rozann 26 Sunderland ("Debtor"), brings his Application for a Court Order authorizing the employment of 27

28

EXHIBIT "1" Page 38 Case 6:17-bk-18870-SC Doc 60 Filed 10/15/18 Entered 10/15/18 13:56:12 Desc Main Document Page 44 of 65

Exhibit “2” Preliminary Title Report and Supplements

Page 39 Case 6:17-bk-18870-SC Doc 60 Filed 10/15/18 Entered 10/15/18 13:56:12 Desc

Main Document Page 45 of 65 CLTA Preliminary Report Form Order Number: O -SA-5590640 (Rev. 11/06) Page Number: 1

Updated 08/16/2018

First American Title Company 4 First American Way Santa Ana, CA 92707 California Department of Insurance License No. 151

Order Number: O-SA-5590640 (dt)

Title Officer: Debbie Tognetti Phone: (714)250-8579 Fax No.: (714)481-2956 E-Mail: [email protected]

Property: 14361 Caroline Street Adelanto, CA 92301

PRELIMINARY REPORT

In response to the above referenced application for a policy of title insurance, this company hereby reports that it is prepared to issue, or cause to be issued, as of the date hereof, a Policy or Policies of Title Insurance describing the land and the estate or interest therein hereinafter set forth, insuring against loss which may be sustained by reason of any defect, lien or encumbrance not shown or referred to as an Exception below or not excluded from coverage pursuant to the printed Schedules, Conditions and Stipulations of said Policy forms.

The printed Exceptions and Exclusions from the coverage and Limitations on Covered Risks of said policy or policies are set forth in Exhibit A attached. The policy to be issued may contain an arbitration clause. When the Amount of Insurance is less than that set forth in the arbitration clause, all arbitrable matters shall be arbitrated at the option of either the Company or the Insured as the exclusive remedy of the parties. Limitations on Covered Risks applicable to the CLTA and ALTA Homeowner's Policies of Title Insurance which establish a Deductible Amount and a Maximum Dollar Limit of Liability for certain coverages are also set forth in Exhibit A. Copies of the policy forms should be read. They are available from the office which issued this report.

Please read the exceptions shown or referred to below and the exceptions and exclusions set forth in Exhibit A of this report carefully. The exceptions and exclusions are meant to provide you with notice of matters which are not covered under the terms of the title insurance policy and should be carefully considered.

It is important to note that this preliminary report is not a written representation as to the condition of title and may not list all liens, defects, and encumbrances affecting title to the land.

This report (and any supplements or amendments hereto) is issued solely for the purpose of facilitating the issuance of a policy of title insurance and no liability is assumed hereby. If it is desired that liability be assumed prior to the issuance of a policy of title insurance, a Binder or Commitment should be requested.

First American Title EXHIBIT Page 1 of 15 "2" Page 40 Case 6:17-bk-18870-SC Doc 60 Filed 10/15/18 Entered 10/15/18 13:56:12 Desc

Main Document Page 46 of 65 Order Number: O -SA-5590640 Page Number: 2

Dated as of August 09, 2018 at 7:30 A.M.

The form of Policy of title insurance contemplated by this report is:

ALTA/CLTA Homeowner's (EAGLE) Policy of Title Insurance (2010) and ALTA Ext Loan Policy 1056.06 (06-17-06) if the land described is an improved residential lot or condominium unit on which there is located a one-to-four family residence; or ALTA Standard Owner's Policy 2006 (WRE 06-17-06) and the ALTA Loan Policy 2006 (06-17-06) if the land described is an unimproved residential lot or condominium unit

A specific request should be made if another form or additional coverage is desired.

Title to said estate or interest at the date hereof is vested in:

Rozann Sunderland, an unmarried woman, subject to proceedings pending in the Bankruptcy Court of the CENTRAL District of the U. S. District Court, California entitled in re: ROZANN SUNDERLAND, debtor, Case No. 6:17-bk-18870-SC, wherein a petition for relief was filed on October 24, 2017.

The estate or interest in the land hereinafter described or referred to covered by this Report is:

FEE

The Land referred to herein is described as follows:

(See attached Legal Description)

At the date hereof exceptions to coverage in addition to the printed Exceptions and Exclusions in said policy form would be as follows:

1. General and special taxes and assessments for the fiscal year 2018-2019, a lien not yet due or payable.

2. The lien of supplemental taxes, if any, assessed pursuant to Chapter 3.5 commencing with Section 75 of the California Revenue and Taxation Code.

3. An easement for CONDUITS and incidental purposes, recorded April 10, 1963 as BOOK 5887, PAGE 141 of Official Records. In Favor of: PACIFIC TELEPHONE AND TELEGRAPH COMPANY Affects: THE LAND

4. Any and all offers of dedications, conditions, restrictions, easements, notes and/or provisions shown or disclosed by the filed or recorded map referred to in the legal description including but not limited to: LANDSCAPING EASEMENT and incidental purposes affecting said land.

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Main Document Page 47 of 65 Order Number: O -SA-5590640 Page Number: 3

5. An easement for PUBLIC UTILITIES and incidental purposes, recorded February 07, 2005 as INSTRUMENT NO. 05-90775 of Official Records. In Favor of: VERIZON CALIFORNIA INC., A CORPORATION, ITS SUCCESSORS AND ASSIGNS Affects: THE LAND

6. An easement for PUBLIC UTILITIES and incidental purposes, recorded June 14, 2005 as INSTRUMENT NO. 05-422652 of Official Records. In Favor of: SOUTHERN CALIFORNIA EDISON COMPANY Affects: THE LAND

7. A lien for unsecured property taxes, evidenced by a certificate recorded by the tax collector of San Bernardino County, recorded November 19, 2009, as INSTRUMENT NO. 09-512115 of Official Records. Debtor: PRIMACY CLOSING CORPORATION Year & No.: 2008-436758 Amount: $259.01, and any other amounts due thereunder.

8. A lien for unsecured property taxes, evidenced by a certificate recorded by the tax collector of San Bernardino County, recorded November 19, 2009, as INSTRUMENT NO. 09-512116 of Official Records. Debtor: PRIMACY CLOSING CORPORATION Year & No.: 2008-436759 Amount: $111.77, and any other amounts due thereunder.

9. A lien for unsecured property taxes, evidenced by a certificate recorded by the tax collector of San Bernardino County, recorded November 19, 2009, as INSTRUMENT NO. 09-519284 of Official Records. Debtor: PRIMACY CLOSING CORPORATION Year & No.: 2008-444220 Amount: $784.27, and any other amounts due thereunder.

10. A lien for unsecured property taxes, evidenced by a certificate recorded by the tax collector of San Bernardino County, recorded November 19, 2009, as INSTRUMENT NO. 09-519285 of Official Records. Debtor: PRIMACY CLOSING CORPORATION Year & No.: 2008-444221 Amount: $4,211.42, and any other amounts due thereunder.

11. A lien for unsecured property taxes, evidenced by a certificate recorded by the tax collector of San Bernardino County, recorded November 19, 2009, as INSTRUMENT NO. 09-519620 of Official Records. Debtor: PRIMACY CLOSING CORPORATION Year & No.: 2008-444560 Amount: $449.94, and any other amounts due thereunder.

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Main Document Page 48 of 65 Order Number: O -SA-5590640 Page Number: 4

12. A lien for unsecured property taxes, evidenced by a certificate recorded by the tax collector of San Bernardino County, recorded November 19, 2009, as INSTRUMENT NO. 09-519621 of Official Records. Debtor: PRIMACY CLOSING CORPORATION Year & No.: 2008-444561 Amount: $156.80, and any other amounts due thereunder.

13. A lien for unsecured property taxes, evidenced by a certificate recorded by the tax collector of San Bernardino County, recorded November 19, 2009, as INSTRUMENT NO. 09-520202 of Official Records. Debtor: PRIMACY CLOSING CORPORATION Year & No.: 2008-445158 Amount: $288.57, and any other amounts due thereunder.

14. A deed of trust to secure an original indebtedness of $130,569.00 recorded September 02, 2010 as INSTRUMENT NO. 10-359379 OF OFFICIAL RECORDS.

Dated: August 26, 2010 Trustor: ROZANN SUNDERLAND, AN UNMARRIED WOMAN Trustee: OLD REPUBLIC TITLE COMPANY Beneficiary: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. LENDER: GATEWAY MORTGAGE GROUP, LLC

A document recorded May 27, 2015 as INSTRUMENT NO. 15-216584 OF OFFICIAL RECORDS provides that the deed of trust or the obligation secured thereby has been modified.

According to the public records, the beneficial interest under the deed of trust was assigned to GATEWAY MORTGAGE GROUP, LLC by assignment recorded May 19, 2017 as INSTRUMENT NO. 17- 206970 OF OFFICIAL RECORDS.

A document recorded May 26, 2017 as INSTRUMENT NO. 17-218690 OF OFFICIAL RECORDS provides that QUALITY LOAN SERVICE CORPORATION was substituted as trustee under the deed of trust.

A notice of default recorded June 28, 2017 as INSTRUMENT NO. 17-265333 OF OFFICIAL RECORDS.

A notice of trustee's sale recorded October 02, 2017 as INSTRUMENT NO. 17-406466 OF OFFICIAL RECORDS.

15. Proceedings pending in the Bankruptcy Court of the CENTRAL District of the U.S. District Court, California, entitled in re: ROZANN SUNDERLAND, debtor, Case No. 6:17-bk-18870-SC, wherein a petition for relief was filed under Chapter 7 on October 24, 2017.

16. Any defects, liens, encumbrances or other matters which name parties with the same or similar names as KEITH PORTER . The name search necessary to ascertain the existence of such matters has not been completed. In order to complete this preliminary report or commitment, we will require a statement of information.

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Main Document Page 49 of 65 Order Number: O -SA-5590640 Page Number: 5

INFORMATIONAL NOTES

Note: The policy to be issued may contain an arbitration clause. When the Amount of Insurance is less than the certain dollar amount set forth in any applicable arbitration clause, all arbitrable matters shall be arbitrated at the option of either the Company or the Insured as the exclusive remedy of the parties. If you desire to review the terms of the policy, including any arbitration clause that may be included, contact the office that issued this Commitment or Report to obtain a sample of the policy jacket for the policy that is to be issued in connection with your transaction.

1. General and special taxes and assessments for the fiscal year 2017-2018.

First Installment: $1,027.66, PAID Penalty: $0.00 Second Installment: $1,027.64, PAID Penalty: $0.00 Tax Rate Area: 014021 A. P. No.: 3103-662-01

2. This report is preparatory to the issuance of an ALTA Loan Policy. We have no knowledge of any fact which would preclude the issuance of the policy with CLTA endorsement forms 100 and 116 and if applicable, 115 and 116.2 attached.

When issued, the CLTA endorsement form 116 or 116.2, if applicable will reference a(n) Single Family Residence known as 14361 CAROLINE STREET, ADELANTO, CA.

3. According to the public records, there has been no conveyance of the land within a period of twenty- four months prior to the date of this report, except as follows:

None

NOTE to proposed insured lender only: No Private transfer fee covenant, as defined in Federal Housing Finance Agency Final Rule 12 CFR Part 1228, that was created and first appears in the Public Records on or after February 8, 2011, encumbers the Title except as follows: None

The map attached, if any, may or may not be a survey of the land depicted hereon. First American expressly disclaims any liability for loss or damage which may result from reliance on this map except to the extent coverage for such loss or damage is expressly provided by the terms and provisions of the title insurance policy, if any, to which this map is attached.

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LEGAL DESCRIPTION

Real property in the City of Adelanto, County of San Bernardino, State of California, described as follows:

LOT 1 OF TRACT 16475-1, IN THE CITY OF ADELANTO, COUNTY OF SAN BERNARDINO, STATE OF CALIFORNIA, AS SHOWN BY MAP ON FILE IN BOOK 302, PAGES 88 THROUGH 90, INCLUSIVE OF MAPS, IN THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY.

EXCEPTING THEREFROM ONE-HALF INTEREST OF ALL OIL, GAS AND MINERALS AS RESERVED BY SECURITY FIRST NATIONAL BANK BY DEED RECORDED JANUARY 12, 1938 IN BOOK 1253, PAGE 134, OF OFFICIAL RECORDS.

APN: 3103-662-01

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NOTICE

Section 12413.1 of the California Insurance Code, effective January 1, 1990, requires that any title insurance company, underwritten title company, or controlled escrow company handling funds in an escrow or sub- escrow capacity, wait a specified number of days after depositing funds, before recording any documents in connection with the transaction or disbursing funds. This statute allows for funds deposited by wire transfer to be disbursed the same day as deposit. In the case of cashier's checks or certified checks, funds may be disbursed the next day after deposit. In order to avoid unnecessary delays of three to seven days, or more, please use wire transfer, cashier's checks, or certified checks whenever possible.

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INCOMING DOMESTIC WIRE INSTRUCTIONS

Beware of cyber-crime! If you receive an e-mail or any other communication that appears to be generated from a First American Title Company employee that contains new, revised or altered bank wire instructions, consider it suspect and call our office at a number you trust.

** Our Wire Instructions Do Not Change. **

Funds from other than buyer or seller: Other than funds from a designated lender, real estate agent or broker, or the attorney of record, we will only accept incoming wires that are from the buyer or seller on a transaction. Other third party deposits not accompanied by appropriate instructions will be returned to the remitter.

Funds from a U.S. Bank: Funds should be wired from a bank within the United States. Notify our office at (714)250-3000 when you have transmitted your wire.

Funds from a non-U.S. Bank: If your funds are being wired from a non-U.S. bank, additional charges may apply. Contact our office for Incoming International Wiring Instructions.

ACH Transfers are NOT wire transfers: An ACH transfer is not immediately available funds and requires additional time for clearance. An ACH transfer cannot be accepted for an imminent closing. Acceptance of ACH transfers are subject to state law. Contact our office at (714)250-3000 prior to sending funds by ACH transfer.

Contact our office at (714)250-3000 when funds are sent.

PAYABLE TO: First American Title Company BANK: First American Trust, FSB ADDRESS 5 First American Way, Santa Ana, CA 92707 ACCOUNT NO.: 3012500000 ROUTING NUMBER 122241255

PLEASE REFERENCE THE FOLLOWING: PROPERTY: 14361 Caroline Street, Adelanto, CA 92301 FILE NUMBER: O-SA-5590640

WIRES MAY BE RETURNED IF THE FILE NUMBER AND PROPERTY REFERENCE ARE NOT INCLUDED

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EXHIBIT A LIST OF PRINTED EXCEPTIONS AND EXCLUSIONS (BY POLICY TYPE)

CLTA STANDARD COVERAGE POLICY – 1990 EXCLUSIONS FROM COVERAGE

The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys' fees or expenses which arise by reason of: 1. (a) Any law, ordinance or governmental regulation (including but not limited to building or zoning laws, ordinances, or regulations) restricting, regulating, prohibiting or relating (i) the occupancy, use, or enjoyment of the land; (ii) the character, dimensions or location of any improvement now or hereafter erected on the land; (iii) a separation in ownership or a change in the dimensions or area of the land or any parcel of which the land is or was a part; or (iv) environmental protection, or the effect of any violation of these laws, ordinances or governmental regulations, except to the extent that a notice of the enforcement thereof or a notice of a defect, lien, or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. (b) Any governmental police power not excluded by (a) above, except to the extent that a notice of the exercise thereof or notice of a defect, lien or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. 2. Rights of eminent domain unless notice of the exercise thereof has been recorded in the public records at Date of Policy, but not excluding from coverage any taking which has occurred prior to Date of Policy which would be binding on the rights of a purchaser for value without knowledge. 3. Defects, liens, encumbrances, adverse claims or other matters: (a) whether or not recorded in the public records at Date of Policy, but created, suffered, assumed or agreed to by the insured claimant; (b) not known to the Company, not recorded in the public records at Date of Policy, but known to the insured claimant and not disclosed in writing to the Company by the insured claimant prior to the date the insured claimant became an insured under this policy; (c) resulting in no loss or damage to the insured claimant; (d) attaching or created subsequent to Date of Policy; or (e) resulting in loss or damage which would not have been sustained if the insured claimant had paid value for the insured mortgage or for the estate or interest insured by this policy. 4. Unenforceability of the lien of the insured mortgage because of the inability or failure of the insured at Date of Policy, or the inability or failure of any subsequent owner of the indebtedness, to comply with the applicable doing business laws of the state in which the land is situated. 5. Invalidity or unenforceability of the lien of the insured mortgage, or claim thereof, which arises out of the transaction evidenced by the insured mortgage and is based upon usury or any consumer credit protection or truth in lending law. 6. Any claim, which arises out of the transaction vesting in the insured the estate of interest insured by this policy or the transaction creating the interest of the insured lender, by reason of the operation of federal bankruptcy, state insolvency or similar creditors' rights laws. EXCEPTIONS FROM COVERAGE - SCHEDULE B, PART I This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which arise by reason of: 1. Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the public records. Proceedings by a public agency which may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the public, records. 2. Any facts, rights, interests, or claims which are not shown by the public records but which could be ascertained by an inspection of the land or which may be asserted by persons in possession thereof. 3. Easements, liens or encumbrances, or claims thereof, not shown by the public records. 4. Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct survey would disclose, and which are not shown by the public records. 5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b) or (c) are shown by the public records. 6. Any lien or right to a lien for services, labor or material not shown by the public records.

CLTA/ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE (12-02-13) EXCLUSIONS

In addition to the Exceptions in Schedule B, You are not insured against loss, costs, attorneys' fees, and expenses resulting from: 1. Governmental police power, and the existence or violation of those portions of any law or government regulation concerning: a. building; b. zoning; c. land use;

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d. improvements on the Land; e. land division; and f. environmental protection. This Exclusion does not limit the coverage described in Covered Risk 8.a., 14, 15, 16, 18, 19, 20, 23 or 27. 2. The failure of Your existing structures, or any part of them, to be constructed in accordance with applicable building codes. This Exclusion does not limit the coverage described in Covered Risk 14 or 15. 3. The right to take the Land by condemning it. This Exclusion does not limit the coverage described in Covered Risk 17. 4. Risks: a. that are created, allowed, or agreed to by You, whether or not they are recorded in the Public Records; b. that are Known to You at the Policy Date, but not to Us, unless they are recorded in the Public Records at the Policy Date; c. that result in no loss to You; or d. that first occur after the Policy Date - this does not limit the coverage described in Covered Risk 7, 8.e., 25, 26, 27 or 28. 5. Failure to pay value for Your Title. 6. Lack of a right: a. to any land outside the area specifically described and referred to in paragraph 3 of Schedule A; and b. in streets, alleys, or waterways that touch the Land. This Exclusion does not limit the coverage described in Covered Risk 11 or 21. 7. The transfer of the Title to You is invalid as a preferential transfer or as a fraudulent transfer or conveyance under federal bankruptcy, state insolvency, or similar creditors' rights laws. 8. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence. 9. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances.

LIMITATIONS ON COVERED RISKS

Your insurance for the following Covered Risks is limited on the Owner's Coverage Statement as follows: For Covered Risk 16, 18, 19, and 21 Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A. The deductible amounts and maximum dollar limits shown on Schedule A are as follows:

Your Deductible Amount Our Maximum Dollar Limit of Liability

Covered Risk 16: 1% of Policy Amount Shown in Schedule A or $2,500 $10,000 (whichever is less)

Covered Risk 18: 1% of Policy Amount Shown in Schedule A or $5,000 $25,000 (whichever is less)

Covered Risk 19: 1% of Policy Amount Shown in Schedule A or $5,000 $25,000 (whichever is less)

Covered Risk 21: 1% of Policy Amount Shown in Schedule A or $2,500 $5,000 (whichever is less)

2006 ALTA LOAN POLICY (06-17-06) EXCLUSIONS FROM COVERAGE

The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or damage, costs, attorneys' fees, or expenses that arise by reason of:

1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to

(i) the occupancy, use, or enjoyment of the Land; (ii) the character, dimensions, or location of any improvement erected on the Land; (iii) the subdivision of land; or (iv) environmental protection;

or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5. (b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6. 2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3. Defects, liens, encumbrances, adverse claims, or other matters (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy;

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(c) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 11, 13, or 14); or (e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured Mortgage. 4. Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable doing-business laws of the state where the Land is situated. 5. Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by the Insured Mortgage and is based upon usury or any consumer credit protection or truth-in-lending law. 6. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction creating the lien of the Insured Mortgage, is (a) a fraudulent conveyance or fraudulent transfer, or (b) a preferential transfer for any reason not stated in Covered Risk 13(b) of this policy. 7. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the Insured Mortgage in the Public Records. This Exclusion does not modify or limit the coverage provided under Covered Risk 11(b).

The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage:

EXCEPTIONS FROM COVERAGE [Except as provided in Schedule B - Part II,[ t[or T]his policy does not insure against loss or damage, and the Company will not pay costs, attorneys' fees or expenses, that arise by reason of: [PART I [The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage:

1. (a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b) proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the Public Records. 2. Any facts, rights, interests, or claims that are not shown by the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land. 3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records. 4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and not shown by the Public Records. 5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records. 6. Any lien or right to a lien for services, labor or material not shown by the public records.

PART II In addition to the matters set forth in Part I of this Schedule, the Title is subject to the following matters, and the Company insures against loss or damage sustained in the event that they are not subordinate to the lien of the Insured Mortgage:]

2006 ALTA OWNER'S POLICY (06-17-06) EXCLUSIONS FROM COVERAGE

The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or damage, costs, attorneys' fees, or expenses that arise by reason of:

1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to

(i) the occupancy, use, or enjoyment of the Land; (ii) the character, dimensions, or location of any improvement erected on the Land; (iii) the subdivision of land; or (iv) environmental protection;

or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5. (b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6. 2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3. Defects, liens, encumbrances, adverse claims, or other matters (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy;

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(c) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 9 or 10); or (e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Title. 4. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction vesting the Title as shown in Schedule A, is (a) a fraudulent conveyance or fraudulent transfer, or (b) a preferential transfer for any reason not stated in Covered Risk 9 of this policy. 5. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the deed or other instrument of transfer in the Public Records that vests Title as shown in Schedule A.

The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage:

EXCEPTIONS FROM COVERAGE

This policy does not insure against loss or damage, and the Company will not pay costs, attorneys' fees or expenses, that arise by reason of: [The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage:

1. (a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b) proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the Public Records. 2. Any facts, rights, interests, or claims that are not shown by the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land. 3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records. 4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and not shown by the Public Records. 5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records. 6. Any lien or right to a lien for services, labor or material not shown by the Public Records. 7. [Variable exceptions such as taxes, easements, CC&R's, etc. shown here.]

ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY (07-26-10) EXCLUSIONS FROM COVERAGE

The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or damage, costs, attorneys' fees, or expenses that arise by reason of:

1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to

(i) the occupancy, use, or enjoyment of the Land; (ii) the character, dimensions, or location of any improvement erected on the Land; (iii) the subdivision of land; or (iv) environmental protection;

or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5, 6, 13(c), 13(d), 14 or 16. (b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 5, 6, 13(c), 13(d), 14 or 16. 2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3. Defects, liens, encumbrances, adverse claims, or other matters (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 11, 16, 17, 18, 19, 20, 21, 22, 23, 24, 27 or 28); or (e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured Mortgage. 4. Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable doing-business laws of the state where the Land is situated. 5. Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by the Insured Mortgage and is based upon usury or any consumer credit protection or truth-in-lending law. This Exclusion does not modify or limit the coverage provided in Covered Risk 26. 6. Any claim of invalidity, unenforceability or lack of priority of the lien of the Insured Mortgage as to Advances or modifications made after the

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Insured has Knowledge that the vestee shown in Schedule A is no longer the owner of the estate or interest covered by this policy. This Exclusion does not modify or limit the coverage provided in Covered Risk 11. 7. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching subsequent to Date of Policy. This Exclusion does not modify or limit the coverage provided in Covered Risk 11(b) or 25. 8. The failure of the residential structure, or any portion of it, to have been constructed before, on or after Date of Policy in accordance with applicable building codes. This Exclusion does not modify or limit the coverage provided in Covered Risk 5 or 6. 9. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction creating the lien of the Insured Mortgage, is (a) a fraudulent conveyance or fraudulent transfer, or (b) a preferential transfer for any reason not stated in Covered Risk 27(b) of this policy. 10. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence. 11. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances.

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Privacy Information We Are Committed to Safeguarding Customer Information In order to better serve your needs now and in the future, we may ask you to provide us with certain information. We understand that you may be concerned about what we will do with such information - particularly any personal or financial information. We agree that you have a right to know how we will utilize the personal information you provide to us. Therefore, together with our subsidiaries we have adopted this Privacy Policy to govern the use and handling of your personal information.

Applicability This Privacy Policy governs our use of the information that you provide to us. It does not govern the manner in which we may use information we have obtained from any other source, such as information obtained from a public record or from another person or entity. First American has also adopted broader guidelines that govern our use of personal information regardless of its source. First American calls these guidelines its Fair Information Values.

Types of Information Depending upon which of our services you are utilizing, the types of nonpublic personal information that we may collect include:  Information we receive from you on applications, forms and in other communications to us, whether in writing, in person, by telephone or any other means;  Information about your transactions with us, our affiliated companies, or others; and  Information we receive from a consumer reporting agency. Use of Information We request information from you for our own legitimate business purposes and not for the benefit of any nonaffiliated party. Therefore, we will not release your information to nonaffiliated parties except: (1) as necessary for us to provide the product or service you have requested of us; or (2) as permitted by law. We may, however, store such information indefinitely, including the period after which any customer relationship has ceased. Such information may be used for any internal purpose, such as quality control efforts or customer analysis. We may also provide all of the types of nonpublic personal information listed above to one or more of our affiliated companies. Such affiliated companies include financial service providers, such as title insurers, property and casualty insurers, and trust and investment advisory companies, or companies involved in real estate services, such as appraisal companies, home warranty companies and escrow companies. Furthermore, we may also provide all the information we collect, as described above, to companies that perform marketing services on our behalf, on behalf of our affiliated companies or to other financial institutions with whom we or our affiliated companies have joint marketing agreements.

Former Customers Even if you are no longer our customer, our Privacy Policy will continue to apply to you.

Confidentiality and Security We will use our best efforts to ensure that no unauthorized parties have access to any of your information. We restrict access to nonpublic personal information about you to those individuals and entities who need to know that information to provide products or services to you. We will use our best efforts to train and oversee our employees and agents to ensure that your information will be handled responsibly and in accordance with this Privacy Policy and First American's Fair Information Values. We currently maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Information Obtained Through Our Web Site First American Financial Corporation is sensitive to privacy issues on the Internet. We believe it is important you know how we treat the information about you we receive on the Internet. In general, you can visit First American or its affiliates’ Web sites on the World Wide Web without telling us who you are or revealing any information about yourself. Our Web servers collect the domain names, not the e-mail addresses, of visitors. This information is aggregated to measure the number of visits, average time spent on the site, pages viewed and similar information. First American uses this information to measure the use of our site and to develop ideas to improve the content of our site. There are times, however, when we may need information from you, such as your name and email address. When information is needed, we will use our best efforts to let you know at the time of collection how we will use the personal information. Usually, the personal information we collect is used only by us to respond to your inquiry, process an order or allow you to access specific account/profile information. If you choose to share any personal information with us, we will only use it in accordance with the policies outlined above.

Business Relationships First American Financial Corporation's site and its affiliates' sites may contain links to other Web sites. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content or the privacy practices employed by other sites.

Cookies Some of First American's Web sites may make use of "cookie" technology to measure site activity and to customize information to your personal tastes. A cookie is an element of data that a Web site can send to your browser, which may then store the cookie on your hard drive. FirstAm.com uses stored cookies. The goal of this technology is to better serve you when visiting our site, save you time when you are here and to provide you with a more meaningful and productive Web site experience. ------Fair Information Values Fairness We consider consumer expectations about their privacy in all our businesses. We only offer products and services that assure a favorable balance between consumer benefits and consumer privacy. Public Record We believe that an open public record creates significant value for society, enhances consumer choice and creates consumer opportunity. We actively support an open public record and emphasize its importance and contribution to our economy. Use We believe we should behave responsibly when we use information about a consumer in our business. We will obey the laws governing the collection, use and dissemination of data. Accuracy We will take reasonable steps to help assure the accuracy of the data we collect, use and disseminate. Where possible, we will take reasonable steps to correct inaccurate information. When, as with the public record, we cannot correct inaccurate information, we will take all reasonable steps to assist consumers in identifying the source of the erroneous data so that the consumer can secure the required corrections. Education We endeavor to educate the users of our products and services, our employees and others in our industry about the importance of consumer privacy. We will instruct our employees on our fair information values and on the responsible collection and use of data. We will encourage others in our industry to collect and use information in a responsible manner. Security We will maintain appropriate facilities and systems to protect against unauthorized access to and corruption of the data we maintain.

Form 50-PRIVACY (9/1/10) Page 1 of 1 Privacy Information (2001-2010 First American Financial Corporation)

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First American Title Company 4 First American Way Santa Ana, CA 92707

Supplemental Report/Commitment Dated: 08/23/2018

Ambergate Escrow 7344 Magnolia Avenue Suite 110 Riverside, CA 92504

Attn: Lori Brown

Phone: Fax:

Report/Commitment No.: O-SA-5590640 dated as of 08/14/2018 Your Reference: 5640-LJB Rozann Sunderland, an unmarried woman

The above referenced report/commitment (including any supplements or amendments thereto)

is hereby modified and/or supplemented as follows:

Please be advised that item 16 is hereby eliminated.

First American Title Company

By: Debbie Tognetti

cc:

Attn:

EXHIBIT "2" Page 55

Case 6:17-bk-18870-SC Doc 60 Filed 10/15/18 Entered 10/15/18 13:56:12 Desc Main Document Page 61 of 65

First American Title Company 4 First American Way Santa Ana, CA 92707

Supplemental Report/Commitment Dated: 09/06/2018

Ambergate Escrow 7344 Magnolia Avenue Suite 110 Riverside, CA 92504

Attn: Lori Brown

Phone: Fax:

Report/Commitment No.: O-SA-5590640 dated as of 08/14/2018 Your Reference: 5640-LJB Rozann Sunderland, an unmarried woman

The above referenced report/commitment (including any supplements or amendments thereto)

is hereby modified and/or supplemented as follows:

PLEASE BE ADVISE ITEMS # 7-13 ARE HEREBY ELIMINATED

First American Title Company

By: Debbie Tognetti

cc:

Attn:

EXHIBIT "2" Page 56 Case 6:17-bk-18870-SC Doc 60 Filed 10/15/18 Entered 10/15/18 13:56:12 Desc Main Document Page 62 of 65

PROOF OF SERVICE OF DOCUMENT

I am over the age of 18 and not a party to this bankruptcy case or adversary proceeding. My business address is: 100 Spectrum Center Drive, Suite 600, Irvine, CA 92618

A true and correct copy of the foregoing document entitled: NOTICE OF SALE OF ESTATE PROPERTY will be served or was served (a) on the judge in chambers in the form and manner required by LBR 5005-2(d); and (b) in the manner stated below:

1. TO BE SERVED BY THE COURT VIA NOTICE OF ELECTRONIC FILING (NEF): Pursuant to controlling General Orders and LBR, the foregoing document will be served by the court via NEF and hyperlink to the document. On (date) 10/15/2018 , I checked the CM/ECF docket for this bankruptcy case or adversary proceeding and determined that the following persons are on the Electronic Mail Notice List to receive NEF transmission at the email addresses stated below:

Service information continued on attached page

2. SERVED BY UNITED STATES MAIL: On (date) 10/15/2018 , I served the following persons and/or entities at the last known addresses in this bankruptcy case or adversary proceeding by placing a true and correct copy thereof in a sealed envelope in the United States mail, first class, postage prepaid, and addressed as follows. Listing the judge here constitutes a declaration that mailing to the judge will be completed no later than 24 hours after the document is filed.

Service information continued on attached page

3. SERVED BY PERSONAL DELIVERY, OVERNIGHT MAIL, FACSIMILE TRANSMISSION OR EMAIL (state method for each person or entity served): Pursuant to F.R.Civ.P. 5 and/or controlling LBR, on (date) , I served the following persons and/or entities by personal delivery, overnight mail service, or (for those who consented in writing to such service method), by facsimile transmission and/or email as follows. Listing the judge here constitutes a declaration that personal delivery on, or overnight mail to, the judge will be completed no later than 24 hours after the document is filed.

Service information continued on attached page

I declare under penalty of perjury under the laws of the United States that the foregoing is true and correct.

10/15/2018 Erlanna Lohayza /s/ Erlanna Lohayza Date Printed Name Signature

This form is mandatory. It has been approved for use in the United States Bankruptcy Court for the Central District of California.

December 2012 Page 3 F 6004-2.NOTICE.SALE Case 6:17-bk-18870-SC Doc 60 Filed 10/15/18 Entered 10/15/18 13:56:12 Desc Main Document Page 63 of 65

NEF SERVICE LIST

 Chapter 7 Trustee: Karl T Anderson (TR) [email protected], [email protected]  Attorney for Trustee: Lynda T Bui [email protected], [email protected]  Attorney for Debtor: Yolanda Flores-Burt [email protected], [email protected]; [email protected]; [email protected]  Attorney for Gateway Mortgage Group LLC: Nancy L Lee [email protected], [email protected]  Interested Party: Kelly M Raftery [email protected], [email protected]  Interested Party: United States Trustee (RS) [email protected]

U.S. MAIL SERVICE LIST

Judge’s Copy U.S. Bankruptcy Court Attn: Honorable Scott C. Clarkson 411 W. Fourth Street, Suite 5130 Santa Ana, CA 92701

Buyer: Hamleth D. Terrones Ulrika E. Terrones 420 N. Louise, #5 Glendale, CA 91206

Buyer’s Broker: Goodspeed Group Inc. Attn: Elizabeth Quintero 14465 Bear Valley Road, Suite F Hesperia, CA 92345

Trustee’s Broker: Richard A. Halderman, Jr. 3857 Birch Street, Suite 480 Newport Beach, CA 92660

Mary Lou Robinson United California Realty 12829 Bear Valley Road Victorville, CA 92392

Secured Lender: Gateway Mortgage Group LLC c/o Mccarthy & Holthus, LLP 1770 Fourth Avenue San Diego, CA 92101-2607

Debtor, Creditors and Parties in Interest

DEBTOR CREDITOR LISTING CREDITOR LISTING ROZANN SUNDERLAND EMPLOYMENT DEVELOPMENT FRANCHISE TAX BOARD 14361 CAROLINE STREET DEPT. BANKRUPTCY SECTION MS: A-340 ADELANTO, CA 92301-5504 BANKRUPTCY GROUP MIC 92E P.O. BOX 2952 P.O. BOX 826880 SACRAMENTO, CA 95812-2952 SACRAMENTO, CA 94280-0001

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CREDITOR LISTING CREDITOR LISTING CREDITOR LISTING GATEWAY MORTGAGE GROUP AES/KEY CORP TRUST AXCESS FINANCIAL LLC PO BOX 61047 7755 MONTOGOMERY RD C/O MCCARTHY & HOLTHUS, HARRISBURG, PA 17106-1047 SUITE 400 LLP CINCINNATI, OH 45236-4197 1770 FOURTH AVENUE SAN DIEGO, CA 92101-2607

CREDITOR LISTING CREDITOR LISTING CREDITOR LISTING BLEIER & COX, APC BANK OF AMERICA CAPITAL MANAGEMENT 16130 VENTURA BLVD PO BOX 26012 SERVICES, LP SUITE 620 GREENSBORO, NC 27420-6012 698 1/2 SOUTH OGDEN STREET ENCINO, CA 91436-2568 BUFFALO, NY 14206-2317

CREDITOR LISTING CREDITOR LISTING CREDITOR LISTING CAPITAL ONE CAPITAL ONE AUTO FINANCE CAPITAL ONE BANK (USA), N.A. ATTN: BANKRUPTCY PO BOX 30285 PO BOX 60599 PO BOX 30253 SALT LAKE CITY, UT 84130-0285 CITY OF INDUSTRY, CA 91716- SALT LAKE CITY, UT 84130-0253 0599

PROOF OF CLAIM ADDRESS CREDITOR LISTING CREDITOR LISTING CAPITAL ONE BANK (USA), N.A. CARDWORKS/CW NEXUS CARSON SMITHFIELD, LLC PO BOX 71083 ATTN: BANKRUPTCY PO BOX 9216 CHARLOTTE, NC 28272-1083 PO BOX 9201 OLD BETHPAGE, NY 11804-9016 OLD BETHPAGE, NY 11804-9001

CREDITOR LISTING CREDITOR LISTING PROOF OF CLAIM ADDRESS CHARTER ONE BANK,FSB CHECK N GO CITIZENS BANK NA PO BOX 61047 100 COMMERCIAL DRIVE 1 CITIZENS DRIVE HARRISBURG, PA 17106-1047 FAIRFIELD, OH 45014-5556 MAIL STOP ROP15B RIVERSIDE, RI 02915

PROOF OF CLAIM ADDRESS CREDITOR LISTING CREDITOR LISTING COUNTY OF SAN BERNARDINO CREDIT CONTROL, LLC DEPARTMENT OF TREASURY 268 W. HOSPITALITY LANE, 1ST P.O. BOX 31179 INTERNAL REVENUE SERVICE FLOOR TAMPA, FL 33631-3179 PO BOX 93888 SAN BERNARDINO, CA 92415 FRESNO, CA 93779

CREDITOR LISTING CREDITOR LISTING CREDITOR LISTING DISCOVER FINANCIAL FINGERHUT GATEWAY MORTGAGE GRP PO BOX 3025 6250 RIDGEWOOD RD 244 S GATEWAY PL NEW ALBANY, OH 43054-3025 ST CLOUD, MN 56303-0820 JENKS, OK 74037-3448

CREDITOR LISTING CREDITOR LISTING PREFERRED ADDRESS GLOBAL TRUST MANAGEMENT, GLOBAL TRUST MANAGEMENT, INTERNAL REVENUE SERVICE LLC LLC CENTRALIZED INSOLVENCY 4805 W. LAUREL ST PO BOX 26244 OPERATIONS STE 300 TAMPA, FL 33623-6244 PO BOX 7346 TAMPA, FL 33607-4541 PHILADELPHIA PA 19101-7346

PROOF OF CLAIM ADDRESS PREFERRED ADDRESS PROOF OF CLAIM ADDRESS INTERNAL REVENUE SERVICE JEFFERSON CAPITAL SYSTEMS KEYBANK NA PO BOX 7704 LLC 4910 TIEDEMAN ROAD SAN FRANCISCO, CA 94120 PO BOX 7999 BROOKLYN, OH 44144 SAINT CLOUD MN 56302-7999

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CREDITOR LISTING CREDITOR LISTING PROOF OF CLAIM ADDRESS MERRICK BANK MIDLAND FUNDING MIDLAND FUNDING LLC PO BOX 660702 ATTN: BANKRUPTCY PO BOX 2011 DALLAS, TX 75266-0702 PO BOX 939069 WARREN, MI 48090 SAN DIEGO, CA 92193-9069

CREDITOR LISTING CREDITOR LISTING CREDITOR LISTING MOBILOANS LLC MOBILOANSLLC NCB P.O. BOX 42917 P.O. BOX 1409 ATTN: BANKRUPTCY PHILADELPHIA, PA 19101-2917 MARKSVILLE, LA 71351-1409 ONE ALLIED DR TREVOSE, PA 19053-6945

CREDITOR LISTING CREDITOR LISTING CREDITOR LISTING NELNET LOANS ONEMAIN FINANCIAL ONEMAIN FINANCIAL NELNET CLAIMS ATTN: BANKRUPTCY PO BOX 9001122 PO BOX 82505 PO BOX 3251 LOUISVILLE, KY 40290-1122 LINCOLN, NE 68501-2505 EVANSVILLE, IN 47731-3251

PROOF OF CLAIM ADDRESS CREDITOR LISTING CREDITOR LISTING ONEMAIN PORTFOLIO RECOVERY QUALITY LOAN SERVICE PO BOX 3251 ASSOCIATES LLC CORPORATION EVANSVILLE, IN 47731-3251 PO BOX 41067 411 IVY STREET NORFOLK VA 23541-1067 SAN DIEGO, CA 92101-2108

CREDITOR LISTING CREDITOR LISTING CREDITOR LISTING RISE RISE CREDIT SAN BERNARDINO COUNTY PO BOX 101808 ATTN: CUSTOMER SUPPORT RECORDER FORT WORTH, TX 76185-1808 PO BOX 101808 222 W HOSPITALITY LN FORT WORTH, TX 76185-1808 SAN BERNARDINO, CA 92415-0013

CREDITOR LISTING CREDITOR LISTING CREDITOR LISTING SYNCB/CAR CARE PEP B SYNCHRONY BANK SYNCHRONY BANK/CARE CREDIT PO BOX 96060 PO BOX 965060 ATTN: BANKRUPTCY ORLANDO, FL 32896-0001 ORLANDO, FL 32896-5060 PO BOX 965060 ORLANDO, FL 32896-5060

CREDITOR LISTING CREDITOR LISTING CREDITOR LISTING SYNCHRONY BANK/CHEVRON SYNCHRONY BANK/PAYPAL CR SYNCHRONY BANK/WALMART ATTN: BANKRUPTCY ATTN: BANKRUPTCY ATTN: BANKRUPTCY PO BOX 965060 PO BOX 965060 PO BOX 965060 ORLANDO, FL 32896-5060 ORLANDO, FL 32896-5060 ORLANDO, FL 32896-5060

RETURNED 12/14/17; NOT DELIVERABLE AS ADDRESSED; UNABLE TO FORWARD RETURNED MAIL CREDITOR LISTING CHASE CARD SERVICES ATTN: CORRESPONDENCE PO BOX 15278 WILMINGTON, DE 19850-5278