If this is your first experience with a foreclosure, following are acts which you
should be aware California Trustee Services, Inc. cannot perform, and you
must assume responsibility to ensure information is available when requested.
As the Beneficiary, there are steps only you can take to ensure a successful
foreclosure.

1. PRIOR LIENS  Lenders will not, as a matter of policy, release information to
a non-principal over the telephone. However, most will respond to a written
inquiry. You should contact all lenders whose loans are senior to yours to
ascertain whether or not these senior loans are current.

If these senior liens are not current, it may become necessary during the
course of your foreclosure to advance sums to these lenders to protect your
own lien. This is crucial if a prior lender has already filed a notice of default. If
you have received a copy of a notice of default from a prior (senior)
lender, please provide us with a copy of that notice, and advise us of
the date and amount of any advance made to cure such a default so
that we may properly request reimbursement for any advances you
have made.

2. FIRE INSURANCE/HAZARD  If you have no proof of fire insurance
coverage (NAMING YOU AS LENDER AND AS AN ADDITIONAL INSURED),
you should
inquire of the borrower(beneficiary) and/or the senior (prior) lender,  and
determine the name of the fire insurance agent and their phone number.  You
should then call the insurance agent, and request documentation confirming
that you are named as an additional insured.  If you discover that you are not
insured, you should contact your insurance agent to obtain such insurance.  
Most deeds of trust provide that you are entitled to recover the cost of such
insurance.  If you have advanced funds to obtain insurance, please advise us
of the amount you spent to purchase that insurance on the "Declaration of
Default and Demand for Sale" and we will add that amount to the notice of
default.

3. REAL ESTATE TAXES  If you are unaware of the status of property taxes,
the current status of taxes may be obtained by calling the Tax Collector in the
county which the property is located.  If you have advanced funds to pay
property taxes, please be sure to advise us of the amount on the "Declaration
of Default and Demand for Sale" and we will add those sums to the amount
due on the notice of default.  If you have not advanced funds to pay past due
taxes, but wish to claim the failure to pay taxes as an item of default, please
check the appropriate box on the "Declaration of Default and Demand for
Sale" and enter the amount of past due taxes.  We will then add that as an
additional item of default within the Notice of Default, and will require evidence
of payment of the taxes in order to cure the default.

4. REQUEST FOR DEMAND FOR PAYMENT IN FULL  If the property is in
the process of being sold, or is sold during the foreclosure process, California
Trustee Services, Inc. will not assume responsibility for submitting a demand
for payment in full of your lien WITHOUT YOUR WRITTEN CONFIRMATION
AND DIRECTIONS TO DO SO ON YOUR BEHALF.

If the escrow company indicates imminent date for close of escrow, you should
submit your demand directly to the escrow company and California Trustee
Services Inc. will forward its statement for fees and costs.

5. PROVIDING INFORMATION  You must be available to furnish up- to-date
figures at all times during the course of the foreclosure proceedings:

*for reinstatement or payoff

*at end of pre-publication (3 calendar months following recordation of Notice
of Default).

*day prior to auction

6. BANKRUPTCY/LEGAL ACTION Upon being notified of any bankruptcy or
being served in any type of legal action, California Trustee Services, Inc. must
stop all foreclosure actions and await further instructions from lender and
there counsel. To proceed with the foreclosure "Relief from stay" or
"dismissal" must be obtained from the courts.

7. PARTIAL PAYMENTS: If you choose to accept a partial payment from a
delinquent Borrower, your foreclosure action can be cancelled unless they
sign a forbearance agreement that specifically state they are aware that the
payment made will not stop the ongoing procedure. In almost all cases, it is
better to only accept full payment from a delinquent Borrower.  You should
consult your counsel before you accept any partial payments.

CALIFORNIA TRUSTEE SERVICES INC. WILL NOT ASSUME LIABILITY
FOR COLLECTION OF THE PROPER REINSTATEMENT OR PAYOFF
AMOUNTS, OR BID AMOUNTS WITHOUT YOUR CONFIRMATION.  IF YOU
ARE UNAVAILABLE TO CONFIRM THESE FIGURES, WE CANNOT ACCEPT
REINSTATEMENT, PAYOFF, NOR BID AND AMOUNT AT THE SALE.
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