Declarationofdefault

CALIFORNIA TRUSTEE SERVICES, INC
PHONE 858-270-7938 FAX 619-243-0945

* COMPLETE THIS FORM
* HAVE ALL PARTIES SIGN
*ATTACH COPY OF NOTE, DEED OF TRUST, COPIES OF ALL ASSIGNMENTS OF DEED OF TRUST
AND PAYMENT HISTORY.
(MAKE CERTAIN RECORDING INFORMATION ON COPIES IS READABLE).

MAIL TO: CALIFORNIA TRUSTEE SERVICES, INC.
3639 MIDWAY DRIVE, Suite B232
SAN DIEGO, CA 92110-5254

DECLARATION OF DEFAULT AND DEMAND FOR SALE

Date:___________               CTS File# ______________                     Loan#______________

We hereby instruct you as trustee/substituted trustee/agent to initiate foreclosure proceedings on the Deed
of Trust and Note or other Security Document executed
by:_________________________________________

General Information:
Current Property Owner's Name____________________________________________________________
SSN#___________________________________ SSN#_________________________________________
Subject Property Address_________________________________________________________________
City________________________State_______________Zip____________County___________________
VERY IMPORTANT: Provide all know mailing addresses for current owner(other than subject property
address given above):
1. Address____________________________________________________________________________
City______________________________State____________________Zip_______________________
2. Address____________________________________________________________________________
City______________________________State____________________Zip_______________________
3. Address____________________________________________________________________________
City______________________________State____________________Zip_______________________

Names of Current Beneficiaries(if different than on Deed of Trust)--please attach copies of all
assignements: ____________________________________________________________________

Loan Specifications:
Original Principal Amount$______________________Interest
Rate__________________________________
Original Term of Note: From_____________to______________Modified
to____________________________
Late Charge of $_____________for____________days late. Total Number of Late Charges Now
Due_______
Unpaid Principal Balance$__________________Monthly Payment$______________Maturity Date______

Interest Paid to________Due Date of First Missed Payment________Number of Payments Now Due______

Amount to Reinstate this account is $_____________ as of ____________ which includes all
payments, late charges, and advances owed to beneficiary to date.

Daily Per Diem Rate must be stated:______________

Advances have been made by me/us in the following amounts:
Senior Trust Deed$___________________Date_____________Interest Rate on Advances_____________
Taxes$_____________________________Date_____________Interest Rate on Advances_____________
Other$_____________________________Date_____________Interest Rate on Advances_____________

Interest Calculation please check one:
360/360_____365/365/______360/365_______
Prepayment Penalty: Yes______ No_____ if yes, please list amount__________________________
Does Payment include impounds:Yes____No____ if yes, please check applicable
impound:Taxes____Ins._____
Other Amounts Due:_______________________________________________________________
Reason for Default(check one or more):
____Failure to pay monthly installments when due.
____Failure to pay principal when loan is due in full, plus accrued interest.
If loan is due in full, has a 90 day balloon payment notice been sent___Yes___No
____Failure to pay taxes, bonds, assessments, etc. when due.
____Failure to maintain adequate fire insurance.
____Failure to comply with other terms as follows:_____________________________
Loan type:
____Conventional                          __________VA
____FNMA                                     __________HUD
____FHLMC                                   __________Other
Senior Loan Information:
1st Holder_____________________________Loan #_______________________________
Telephone____________________________Is 1st loan delinquent at this time?__________
2nd Holder____________________________Loan #_______________________________
Telephone____________________________Is 2nd loan delinquent at this time?_________
Bankruptcy Information:
Has a bankruptcy been file: ___yes    ____no     Where____________ Case#____________
Has Relief been obtained    ___yes    ____no     Date filed__________Chapter#__________
If yes, attach copy of relief from stay
Your attorney's name:_____________________ Phone_____________________________
Litigation Information:
Is there currently litigation on this property?____yes____no
Was there litigation previously on this property?___yes___no
Status of any litigation:_____________________________
Type of Property:
1-4 Single Family-owner occupied ___yes___no
Vacant land                                   ___yes___no
Non-owner occupied                     ___yes___no
Commercial                                  ____yes___no
Are you using a loan servicing company to collect your payments? ____yes____no
(If yes, please inform them, in writing not to accept payment while the loan is in foreclosure)
Insured Transaction:
Was your Deed of Trust insured thru a title insurance company ____yes___no
How were you referred to our company?

The undersigned, as Beneficiary or Beneficiary's representative, hereby makes the following
representations, each of which is material to and will be relied upon by California Trustee Services, Inc
(CTS), in performing the services described herein:

1. That a default has occurred on the subject loan and that the reason for the default, the specific amounts
and terms causing said default, and all other information about the loan have been accurately related to
California Trustee Services, Inc on this form.

2. That Beneficiary has no knowledge of any bankruptcy proceeding affecting the trustor or successor
owner (other than noted above) of the subject property, and Beneficiary will immediately inform California
Trustee Services, Inc in writing of any knowledge or notice of any such proceeding subsequently received.

3. That, to the best of the Beneficiary's Knowledge and belief, the present owner of the subject property is
not entitled to the benefits of the Soldiers' and Sailors' Civil Relief Act of 1940, as amended,and Beneficiary
will execute and deliver to California Trustee Services, Inc an affidavit to such effect.

4. That the Beneficiary will immediately inform California Trustee Services, Inc in writing of any further
advances made.

5.   That Beneficiary will immediately inform California Trustee Services, Inc in writing of any subsequent
payments received from the trustor, owner, lessee or other party.

6. That Beneficiary has complied with all notification provisions as may be applicable to this loan.

7. That Beneficiary has provided to California Trustee Services, Inc all known mailing addresses for the
current property owners on the first page of this form.

8. That Beneficiary has possession of original documents and, if not tendered herewith, will produce them
upon demand.

9. That Beneficiary shall pay to California Trustee Services, Inc within 15 days of billing all charges, costs,
expenses, and fees relating to the foreclosure of the subject Deed of Trust. If fees are not paid within 15
days of billing, an interest charge not to exceed 1 1/2% per month may be charged. In addition, the
beneficiary and their agent will be fully liable to pay all costs of collections including legal fees.

Beneficiary further directs California Trustee Services, Inc to act as its agent in all respects in order to
complete a non-judicial foreclosure sale and, without limiting other acts, specifically authorizes California
Trustee Services, Inc or its agents as follows:

1. To sign and to record Notices(s) of Defaut and to include the charges therefore as part of the Trustee's
fees and expenses.

2. To order a Trustee's Sale Guarantee and to include the charges therefore as part of the Trustee's fees
and expenses.

3. To post and publish a Notice of Trustee's Sale and to include the charges therefore as part of the
Trustee's fees and expenses. Beneficiary understand that when California Trustee Services, Inc request a
bid, Beneficiary is responsible to give the bid to California Trustee Services, Inc at least one full business
day prior to sale to California Trustee Services, Inc , or at California Trustee Services, Inc sole discretion,
may postpone the trustee sale.

4. To conduct and/or continue a Trustee's sale and to include the charges therefore as part of the
Trustee's fees and expenses.

California Trustee Services, Inc shall be entitled to act pursuant to this authorization unless and until
Beneficiary gives written notice to California Trustee Services, Inc countermanding or canceling this
Agreement, which shall be effective only from the date of receipt of such notice and upon paying any and
all amounts due California Trustee Services, Inc. Until they are paid in full, California Trustee Services, Inc
shall have a lien on the note and deed of trust in an amount equal to any amount owned to them. Should
California Trustee Services, Inc ascertain that certain facts have arisen or have been suppressed, or
information is received which would necessitate the canceling of the file, Beneficiary hereby authorizes
California Trustee Services, Inc to do so without any liability to California Trustee Services, Inc and without
approval from Beneficiary.

Beneficiary and their Agent(s) hereby irrevocably indemnify and hold harmless and indemnifies California
Trustee Services, Inc from any and all liability, including attorney's fees and costs incurred in responding to
any allegations and/or defending any type of action, whether it is legal or other type action naming
California Trustee Services, Inc as a defendant or asserting any other liability, which might arise during the
course of or subsequent to California Trustee Services, Inc execution of it's duties hereunder, unless said
liability arises due to California Trustee Services, Inc own negligence or mistake as determined by a court
of competent jurisdiction.

"I hereby certify that I have read and understood this Agreement. I also certify that I am the Beneficiary or
the representative and agent of all the Beneficiaries under the subject note and deed of trust and, as such,
have legal authority to commit each Beneficiary to the payment, jointly and severally, of the total charges,
costs and expenses to perform the foreclosure."

______________                                                      _________________________________________

Date                                                                       Signature of Beneficiary or Beneficiary's Agent

Company Name_________________________________SSN or Fed. ID#_________________________

Contact person at company or, if acting as an individual, your name______________________________

Address_____________________________________________City______________________________
___
State     ___________Zip_________________Tel.(   )________Fax(   )_______E-mail_______________

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