Professional Documents
Culture Documents
by Joseph Zernik
Human Rights Alert DN: cn=Joseph
Zernik, o, ou,
PO Box 526, La Verne, CA 91750 email=jz12345@
earthlink.net,
Fax: 323.488.9697; Email: jz12345@earthlink.net c=US
Blog: http://human-rights-alert.blogspot.com/ Date: 2010.10.21
22:43:32 +03'00'
Scribd: http://www.scribd.com/Human_Rights_Alert
07-11-20 Samaan v Zernik (SC087400) at the Superior Court of California, County of Los
Angeles: “Volume IV Continued”
The record herein is a copy of the Court file in the caption referenced above, as received from the Office of
the Clerk on November 20, 2007. Page numbers and a footer were added to the record for ease of reference.
In October 2007, after almost two years of the pretense litigation, during which Defendant and his counsel
were denied notice and service of court minutes, orders, and judgments, and also denied access to the paper
Court file, Defendant filed and appeared in Ex Parte Application before Supervising Judge GERALD
ROSENBERG for access to the paper and electronic court files – to inspect and to copy. Judge
ROSENBERG conducted the proceeding in a dark courtroom, behind closed doors. During the proceeding he
informed Defendant that the court file included at that time six volumes, and he eventually agreed to permit
Defendant access to three of the volumes. Access to the electronic court file in SUSTAIN – the court’s case
management system - was denied under the false claim:
“Sustain is privileged – for the Court only”.
However, at the end of the proceeding, Supervising Judge Rosenberg demanded that Defendant withdraw the
Ex Parte Application, which had already been filed with the Clerk of the Court. When Defendant refused, two
armed Sheriff Deputies engaged in physical harassment of Defendant, in attempt to plant the paper on his
body, in what Defendant at the time perceived as a life-threatening incident.
The proceeding and its aftermath were also noted for the following:
1) Judge ROSENBERG failed to create any record of the proceeding.
2) Judge ROSENBERG deceived Defendant regarding the number of court file volumes held by the Court at
the time. The court file in fact held at the time seven volumes. One of them, “Volume IV Continued”
was discovered only later. It was created out of any chronological order, and included various particularly
incriminating records, including, but not limited to:
a. Large volume of records filed by Countrywide Financial Corporation, which appeared in the case
under the fraudulent party designation of “”Non Party”, while the Court interchangeably
designated it in its records “Plaintiff”, “Defendant”, “Cross –Defendant”, “Intervenor”, “Real
Parties in Interest”, and more, all with no legal foundation at all.
b. Records pertaining to a pretense Summary Judgment proceeding conducted by Judge
JACQUELINE CONNOR on August 9, 2007.
3) Defendant consequently filed a complaint with Presiding Judge J STEPHEN CZULEGER regarding
conduct of Supervising Judge ROSENBERG. Presiding Judge CZULEGER referred the complaint to
Assistant Presiding Judge CHARLES MCCOY, who in turn referred it to Supervising Judge Rosenberg
for review. Supervising Judge ROSENBERG found no basis for the complaint.
Samaan v Zernik as a whole was alleged as pretense litigation, and part of a pattern of racketeering activity at
the Los Angeles Superior Court.
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1 / 745 j
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
j
THIS VOLUME IS
CLOSED
FILENO MORE
PAPERS IN THIS
VOLUME AFTER
_J · 2\[;-07
VOLUME CLOSED
2 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Joseph Zcrnik
In Pro Pcr
320 S. Pcck A\enuc
Be\ crlv Hills. Cali fornia 90212
310-43'5-9107
5
6
SUPERIOR COURT OF THE STATE OF CALIFORNIA
7
FOR THE COUNTY OF LOS ANGELES
R
9
NI VIE S!\M!\AN. an individual. ) Case No. SC087400
10 )
Plaintin~ )
1I
) Assigned/or all purposes to the Honorahle
) .Jacqlielillc COIl170r
12 )
15 )
POINTS AND AUTHORITIES IN
.I0SEPII/LRNIK. an individual. )
16 )
SUPPORT THEREOF
Cross-Complainant. )
17 ) l Filed Under Separate Cover:
v. )
I. Declaration of Joseph Zernik:
18 )
) I Evidentiary Objections:
COLDWELL BANKER RESIDENTIAL
19 ) 3.
Separate Statement of Disputed Facts 1 I
BROKERAGE: MICHAEL LIBOW. an )
20 inuividual. )
)
Hearing:
21 ) Date: August 9. 2007
Cross- Dckndants.
) lime: 8:35 a.m.
II )
Place: Department "WE-I"'
)
)
)
Trial
24 ) Date: September 7.2007
)
)
Time: 9:30 a.m.
26 )
-~---------- ---- ---------- --)
27
-l her subsequent non-performance and breach of the standard residential purchase and sale
5 agreement. The facts recently uncovered in this case reveal that plaintiff fraudulently
6 induced defendant to enter into the purchase agreement. she then fraudulently induced him
7 not to cancel th~ agr~ement atkr she failed to remove her loan and appraisal contingency in a
8 timely manner and finally she failed to remove the appraisal contingency leaving defendant
9 \\ ith no choice but to cancel the agreement. Despite plaintiff s repeated acts of fraud. she
10 now seeks to shift the blame for her non-performance to defendant. Plaintiff claims that
11 defendant \\as somehow required to sign her initial offer and that his alleged failure to do so
12 in a timely manner. unbelievably caused her to be unable to obtain a purchase money loan
13 for the property. In reality, Plaintiffs arguments fail for numerous reasons: (J) plaintiffwas
l-l not ready \\illing and able to perform her obligations under the contract: (2) plaintiff
15 fhilldulently induced defendant to enter into the contract- thereby prohibiting her from
16 prevailing on her specific performance claim and (3) the timing, authenticity, and
19 Beyond the legal arguments, this Court should not grant specific performance because
The three categories of disputed facts listed above. are just an oveniew of the material
disputed facts. Each contains a subset of disputed facts. like whether Samaan would ever be
26 appron:d for a loan for the Property. which are set forth in more d~tail in the statement of
27 facts and the accompanying separate statement of disputed facts. This case has so many
28 dispukd facts and inconsistencies presented by Samaan that it is difficult to establish any
) This Court has already ackno\\ledged the difficulty in dealing \\ ith the factual issues
3 in this case in ib ruling on Defendant's motion to expunge lis pendens, \\ here it reasoned
-l and held. alter conducting an initial re\ ie\\ of the facts in this case that ·'there are too mam'
5 {actual issues that cannot be decided here, including whether SA JIAA X was 'reatlv,
6 willing and able' to proceed with the purchase of the propertv. " (Emphasis added). C\cal).
7 this prior ruling. indicates that the Court has already determined that. at the \ery least. there
8 arc material issues of disputed fact relating to whether Samaan \\as ready. willing and able to
9 proceed with the purchase of the Property. Samaan's moving papers present no additional
10 evidence to suggest that any of those factual disputes have been resolved in such a way to
11 allO\\ this Court. just over t\\O weeks later. to make findings contrary to its July 23.2007
12 ruling that material disputed facts exist concerning Samaan's ability to rerCorm.
J3 In addition to the disputed t~lcts that the Court has already identified regarding
14 Samaan's ability to proceed with the purchase of the Property. material disputed facts exist
15 concerning Zernik's cancellation of escrow for the property. Samaan has repeatedly asserted
J 6 that Zernik cancelled escrow on October 25. 2004. However. in her deposition she admitted
17 she received Zernik' s cancellation on October 21. 2004. 7emik cancelled escrow on
18 Octobcr.21. 2004 (not October 25. 2004) because Samaan refused to remove her
19 conting~ncies in a timely manner. Nevertheless, the parties dispute \\hether escrow was
20 cancelled on October 21. 2004 or October 25. 2004. which is a material fact in this case.
21 Before addressing the other facts in this case. it is important to understand the various
')'") documents making up the form sale agreement for the property provided by the California
23 Association of Realtors. As \\ ith any contract. the form used by the California Association
24 of Realtors is designed to create a binding contract based on mutual assent through an offer
25 and an acceptance. Indeed. the initial offer is presented by \\(lY of the form called the
26 "California Association of Realtor's Residential Purchase and Sale Agreement and Joint
27 Escm\\ Instruction'· (the ··Initial Offer"). If accepted. the Initial Offer becomes the cQ.!lli~ct
- _. ---~ - ... _._---_ .• ~._- -
28 for sale. J\lternatiH:lv.
. the seller has the ability. to send a counter-offer to the buyer.
. If the
--
5 / 745 Opposition to \!otion for Summar: Judgment
Court File: "Volume IV Continued"
-2
Case )Jo SC087400
Samaan v Zernik (SC087400) Los Angeles Superior Court
/1
counter-otTer is accepted. a binding agreement is also created. There is no limit on the
") number of counta-offers. but each counter-offer presents the counter-offeree \\lth the
3 opportunity to accept. As \\ ith all other contracts, as soon as a counter offer is presented the
4 prior offer becomes null and void. or can be incorporated by reference. In any event. like
5 other contracts. there is never any obligation to sign the Initial Offer after a countcr-offer is
6 made.
7 Nevertheless. the terms statcd in the Initial Offer arc generally incorporated by
g reference through subsequent counter-offers. so they do play (] role in the transaction. The
9 terms of the initial offer are designed to spread the risks associated \\ith the purchase and
10 sale of real property amongst the varIOUS parties. Indeed. the seller is responsible for
11 delivering various disclosures and making the subject property available for inspection,
12 \\hile the buyer is responsible for removing all applicable contingencies. which often
13 includes a loan contingencv. In other \vords. the closing of escrmv is often contingent on the
...... .I ...... '"
14 buyer being able to obtain a purchase money loan forthe property. The buyer has the option
15 to obtain a loan from the lender of her choice. Because of the loan contingency. the seller
16 bears the risk that the buyer may not be able to obtain the loan and may cancel the sale.
\7 Therefore. the contract requires the buyer to provide a pre-qualification letter within seven
1R days of acceptance of the buyer's offer and to remove the loan contingency \vithin seventeen
19 days of acceptance of the offer. During these initial \7 days. the seller is not privy to the
20 buyer's efforts to obtain a loan for the purchase of the property. Thus. even though the
2\ ability to close the entire transaction may be contingent on the buyer's ability to obtain a
T) loan. seller is kept completely in the dark on buyer's efforts and abilit J to obtain the loan.
The only reassurance the seller has is the pre-qualification letter. \\hich is required to be
26 etTorts. or lack thereoL to obtain a loan and the false nature of the pre-qualification 1ettcr she
27 presented to defendant. During escrow Plainti tT repeatedly represented that she \vas able to
8 obtain a purchase money loan for the Property. However. through recent discovery obtained
In or ahout .July 2004. defendant Joseph Zernik C"Defendant") enten:d into a listing
'I agrc-:ment \\ ith his real estate broker. Michael Liho\V C"LibO\\") of Coldwell Banker
Residential Brokerage to list his real property located at 320 South Peck Drive. Beverly
Hills. California 90212 (the ""PrOpCr1) .. ) for sale. Shortly after listing the ProplTty for sale.
plaintiff ).ii\ ie Samaan ("'Plaintiff') submitted an otTer to purchase the Property for
26 Sl.670.000. From the outset of this transaction (the presentation of this initial offer) PlaintitT
27 fraudulentl) induced Defendant to enter into an agreement to sell his house. Indeed. at the
28 time Plaintiff submitted her otTer. she aHirmatively represented that she was representing
she stated "\1y apologies if I miss spoke on my voicemail message to you earlier. 1"m a
3 health & Beauty Consultant by profession. but have a Real Estate license and sell a fe\v
-+ properties a year.·· ([x)(2) Then. during her deposition. shc further recanted her
5 representation hy explaining that she had never sold any property at all. Zernik DecL ~)f:37·
6 (Exhibit_l_ ~
7 Defendant did not accept Plaintiffs initial offer for many n:asons. Dd'endant was
8 primaril~ concerned about the validity of an offer from a real estate agent representing
9 hersel f. Indeed. Defendant preferred to entertain 0 tTers from potential buyers who were
10 represented by independent agents or brokers. lHnlf Oed il G t.)(hll:7lt r An offer
11 presented by an independent real estate agent or broker has the advantage of being evaluated
12 and veri lied hy a third party before being presented to Defendant. In addition. several of the
13 terms of the olTer were not at the level Defendant desired. For l'xample. PlaintitTs otTer had
1-+ a very low initial deposit of $10.000 for a purchase of 51.670.000. which represents .59
15 percent of the total purchase price, which is far below the standard 3% initial deposit. This
16 10\, initial deposit indicated that Plaintiff knew that she did not have the tinancial capability
17 to proceed with the purchase and wanted to leave herself the abilitv to back out of the
18 purchase agreement at a minimal cost.
19 2. Plaintiff Obtained a Fraudulent Pre-Qualification Letter From Her
Fiance's Cousin
20
21 Defendant expressed his concerns about Plaintiffs initial offer to Libow \,ho
!") suggestl'd that Defendant obtain a pre-qualification letter from Plaintiff. Libow maintained
23 that a prequali lication letter \Yould provide extra assurances that Plaintiff would have the
24 financial ability to purchase the Property. Therefore. on September 7. 200-+. Plaintiff
informed Libcm that "My lender should be faxing a letter about my qualification'"
26 LE?rn \f OC?<....\· 11_ ~ c-x..\ \\'lIt "t. . In reality. Victor Parks. Plainti ff s purported mortgage
27 loan broker (1101 her lender) sent a facsimile to LibO\\ wherein he claimed that Samaan had
\\. \ IlCC,CJC, .co
28 been "pre-qualified to purchase a $1.700.00 home \\ ith 80! 10 1() linancing'"
g:Vf\ 1 11~ vt N ..l~xhibi[ 12. (September 7. :2()O~ Prcqualitication Letter). At that time.
Lernik belkved that Samaan had been pre-approved by an independent broker. In reality.
3 I Samaan never disclosed to lernik that Parks \vas her then tiance"s cousin. Zanik \vould also
~ discover. through Libo\\. that certain facsimile transmissions that \\ere believed to be sent to
5 Parks \\ere actually forwarded to Samaan's facsimile machine. t;~~\-:::o_~rr\t-Dt.~~~.<i:'1
6 LibO\\ even asked Parks about the t~lCsimiks that were being fraudulent diverted to
7 Samaan's personal t~lcsimile machine. only to have Parks refuse to ans\ver any questions
8 regarding those facsimiles. Additionally. throughout this entire case. there has been no
9 documentary evidence to support any claim by Parks that he reviewed Plainti ffs "\vrittcn
I0 application and credit rcport"" as he was required to do by section 2( (J) of the Purchase
II Agreement. Therefore. there is significant doubt as to \\hether Parks actually performed an
12 independent investigation as to the validity and authenticity of his prequalitication letter.
13 Surely. had Parks actually performed a valid prequalitication. he would have discovered that
14 Samaan \vould not be able to obtain a purchase money loan for lht: Propt:rty.
15 3. The Parties Exchanged Counter-Offers Nos. 1 and 2
16 On or about September I O. :200~. Defendant submitted a counter-ofkr to Plaintiff
17 (C ount~r-() ITer No.1). 2e,a \ t- \;e(,.~1 \\ . Th~ terms of the offer. among others.
18 incn:as~d the purchase price to $1.718.00 and provided for an initial deposit of 3% of the
19 purchase price or $51.540. On or about September I L 200~. Plainti ff accepted Counter
:20 Offer No. 1 subject to the terms of Counter-Offer No.2. which she purportedly attached to
:21 her acceptance. The materially different terms of Counter
II Otfer No.2. prO\ided for an initial deposit of 515.000 with an increased deposit of an
additional $15.000 to be deposited within 14 days. However. paragraph I of Counter-Offer
:2~ No.2 also stated that ..the terms and conditions in the above referenced document [the
Ca I ifornia Residential Purchase Agrt:ement (the Initial 0 ffer) I are accepted su~iect to tlte
26 following ..... (Emphasis Added). \~hili\!;V'v\.-i (Counter Offer No.2). In other words. the
27 terms of Counter-Offer No.2 incorporate by r~ference Samaan's Initial Offer.
28 8\trer d\:o-(L\1eJ fOCi'; iC\y\c·\,!1t:J.. In
IV\C?u\:J \ \ i \ ~\.\(Y\,' r~ (. '/\ N.) \c-rc( ,e
ul ""mEr-lUI tel (\5..
2ern \~' '; ',.E:~eraT:; s,.ICtte(IILI'\'\ ./, C\do mcn
9 / 745 Opposition to :Ylotion for Summar: .rudgment
-6
Court File: "Volume IV Continued" scosnoo
Ca~e '\10
Samaan v Zernik (SC087400) Los Angeles Superior Court
.... Plaintiff Confirmed Receipt of a Fullv Executed Acceptance
9 executed acceptance from Zemik. Zemik was under no obligation to go back and sign and
10 initial Samaan's initial offer because it was incorporated by reference into Counter Offer No.
11 :2 and it was superseded by Counter OtTer No.2.
14 III
III
15
III
16
III
17
III
18 III
19 III
20 III
21 III
22 III
III
III
24
III
III
26 III
27
28
4 required Plaintiff to provide an initial deposit of $15.000 "\vithin 3 business days after
6 15. 2004. Therefore. Plaintiffs initial deposit \\as due on Monday. September 20. 2004.
7 PlaintilI hO\vever. did not even attempt to make the initial deposit until September 27. 2004.
8 (7 days atkr she was required to do so) \vhcn she presented a check pre-dated to September
9 24. 2004. L:H\'\ \.j \ II \l\ ~\ N3c ,:: IMara Escrow Trust Receipt No. 64555). Mara
10 Escrow deposited the check but on two separate occasions the check was rejected for
11 insufficient funds. lernlt \k-l"\'\\ \1.\ \)\N'.b·::;iDdendant was not inftm11ed of these events
13 On October 4. 2004. after Mara Escrow contacted Plaintiff regarding the fact that
14 checks failed to clear due to insufficient funds. Plainti ff presented a cashier's check for the
15 initial deposit. .2t:::'\(Ilr tcc.I'1\ \l:? ~N3b·-.;1 However. by October 4.2004. Plaintitrs initial
16 check \vas already 14 days late. And. Plaintiffs second deposit of $15.000. per the tcrms of
17 Counter Offer No.2. \vas also overdue. Her second deposit was due within 14 days of
18 acccptance or on September 29. 2004. PlaintitT did not actually present her second deposit
19 until Octobcr 12. 2004. 27 days after acceptance and 13 days late.
7"
_J application. the t~lCts reveal that Plaintiff was never approved for a loan and delayed in her
24
own actions. Section :2 of the Purchase Agreement expressly required ""buyer to act
') -
-)
diligently and in good faith to obtain the designated loans." (Emphasis added). However.
26 the documents produced by Country\\ide indicate that Plaintiff did not act in good faith or
27 diligently to obtain the necessary loans. Indeed. the documents produced by Countrywide
28 reveal that by October 14.2004. Samaan's loan application \vas already drawing red Hags at
11 / 745
Court File: "Volume IV Continued" Opposition to ~lotion for Summar) Judgment
-8
Samaan v Zernik (SC087400) Los Angeles Superior Court C~JSe 1\0. SC087.+00
Count) \\ ide. From the outset. Country\\ ide's Clues Analysis Repo11 ("Clues Report") and
') UndenHiting Decision 1,etters ("Underwriting Letters") tlagged signi licant problems with
3 Plaintiffs loan application. These undisclosed probkms included. among others, the
t'oJlO\\ing:
5 • The Clues Report indicated that "Reduced documentation is not allo\-\ ed on a Non
Conforming Mega Loan ...... The max loan amount is $1.000,00 on Non-Conf ARM
6
fixed Period ... " .2t'TCd \:;eeJh\ \:;>rN 31 AI IN OTHER WORDS, PLAINTIFF
7 HAD APPLIED FOR THE WRONG TYPE OF LOAN.
-4l6rn 1t- ~d ~ \)\1'12\ (October 14 Clues Analysis Report)). THEREFORE,
g
PLAINTIFF'S LOAN APPLICATION WAS COMPLETELY INVALID.
9 Samaan never submitted an additional loan application to Countrywide.
lcf\"l\I. txe\ ~\ PI N 2 \. ":.\::; ::,(
10
I1 • The Clues Report indicted that Plaintiff did not have the 6 months reserves required
for the loan she applied for. Od., ._~ 0) \)fN 2\, 30':$1
12
13 • The Clues Report issued a REFER determination because of the numerous
probkms \\ith Plaintiffs loan application. (ld~
14
• /\ Countrywide Underwriting Decision Letter of October 14, 2004 required Samaan
IS
to resubmit valid Uniform Loan Applications ( 10(3) with the correct interest rate
16 applied to the requested loan and following the true and correct loan program
guidel ines, which she never did. (~N2\\J~ -3l)
17
18 • Samaan, a newlywed. had represented her marital status as unmarried on her loan
application. (YfN~\3b-=3, 1)
19
20 • Samaan had stated on her loan application that she was self-employed and received
no other income. despite the fact that she \vas a cosmetic saleswoman at Barney's
21 Department Store and not merely a rcal estate agent. (I)r N }LI. 3c ··1
22
• Samaan had claimed that she had four years at her job. hut her corporation \-\as
crt:ated less than a year carl icr. (1)FliJ? (3 t: --31)
• The duly assigned underwriter insisted that Samaan prm ide an ans\\ IT to the type
of business she \\as engaged in, but she never responded.
26
• Samaan \\ as required to show documentation that she had access to a jointly owned
27 bank account with her mother. which she never did.
28
Throughout the entire loan application process. Plaintiff never disclosed the problems she
)
\\ as huving obtaining a loan. Instead. she consistently represented that the Inan \vould be
6 funded. However. nothing could be further from the truth.
7 The most tLlling misrepresentations regarding the status of Samaan's loan application
8 can be set:n through a simple comparison betvvcen statements Parks made in emails to Libovv
9 versus the actual status ofSamaan's loan. as sho\\n by documents produced by Countrywide.
10 Consider the following:
I1
12
• September 28, 2004: ··the loan for Ms. Samaan begun today!! We've ordered
IJ escrow. title & appraisal and estimate tinal loan approval \\ ithin 10 days'"
14
• October 5, 2004: "We will be ready to submit for loan approval tomolTo\v"
15
17 • October 8, 2004: ·· ..to notify you that Samaan loan has het:n submittt:d to the lender
today. Please allow J business days for Loan Approval.
18
19 • October IS, 2004: ..... received your message yesterday afternoon and checked
with the lender. The Samaan loan is still in underv,riting and should be approved
20
by Monday [October 18]. l"1I contact you if\ve get approval any sooner'"
2\
• October 18, 2004: "We have conditional loan approval for the Nivie Samaan loan.
We are in contact with Ms. Samaan for the borrower conditions and escrow for
some items needed from them. We should be in a position to order loan documents
\\hen the appraisal comes back from re\ie\\ by the end of the \\eek [October 22.
2004]:'
25
• October 19, 2004: Parks Statement: .' ... the loan is approved ... ·· "r should have
26 the [appraisal j review due Friday [October 22. 20041 ... ··
27
• October 22,2004: "We're experiencing phone problems. so \\c ha\en't been able
28 to receive call or faxes'" "r spoke with Country\\ ide a few minutes ago and they
3
4 The true facts regarding Samaan's loan application are vastly difkrent. Indeed, in
5 Parks' O\\n declaration he contradicts his earlier emails when he declan:d that he did not
6 submit Samaan's loan application until October 12, 200-J.. Thus, the tirst four statements
7 above were absolutely false. And, the documents produced by Countrywide contradict
8 Parks' statement that he did not submit Samaan's loan application until October 12, 2004,
10 Samaan based on her suspect loan application. By October 14. 2004. Samaan' sloan
11 application had been suspended until she submitted a valid loan application (for the correct
12 loan program) and she satistied approximately 14 other conditions. Thus, Parks had no
13 reason to represent to Zernik that Samaan' sloan \vas anywhere ncar approval. Indeed, in
14 Parks' declaration he states that "on Friday. October 15. I lcarned that the lender,
15 Countrywide, \vas suspending a decision on the loan..... In other words. Parks now states
]6 that he learned that the lender had suspended a decision on the loan, yet at that time he is
17 misleading 7ernik into believing the loan would be approved on October] 8. 2004. Missing
18 from these emails.prior to October 22, 2004, is any mention by Parks of the need for 7ernik
19 to sign or initial Samaan's initial offer. Further, even if Parks' statements an: taken to be true
20 for sake of argument (they are not true), on their face they show a pattern of
21 misrepresentations and delay by Parks and Samaan designed to induce Zernik not to cancel
I) the contract at an earlier date.
23 Most telling, is the fact that on October 25, 20G..+' \!1cLaurin issLled a referral of
24 Plaintiffs loan application to the Division Undervvriting Support - Demetrio Gadi -- for an
25 exception request after Samaan' s loan had still not been approved despite Parks'
26 representations otherwise. There is no indication from thc documents produced by
27 Countryvvide that Samaan's loan was ever approved. Nevertheless. Plaintiff continued to
28
21 of the Property
22 At each step in this transaction. the facts indicate that Samaan \\as not \\illing to
23 proceed \\ith the purchase of the Propert). There are numerous examples of her
24 I UI1\\i II ing~ess to proceed \\ ith the purcha.s~ of the pr~pert:. Consider. the fOll,m\in g : !'
25 ( I ) Samaan ReqUlred a LO\\ 1I1ltIal DepOSIt r 0 AJlO\\ Her to l ancel \\- Ithout
Substantial Penalty: The initial deposit was just .59% of the purchase price, the
26 standard amount is 3% of the purchase price.
27
(2) Samaan Attempted to Unilaterallv Change Zernik's Acceptance Date: After Zernik
28 accepted Counter-Offer No.2. the next day Samaan contacted escro\\ to try to
3 (3) Failure to Provide Initial Deposit in a Timelv Manner: Samaan was required to
deposit her initial check for $15.000 \vithin three business days of acceptance. by
4 September 20. 2004. Samaan' s initial deposit check \\as returned for insufficient
5 funds on t\\o separate occasions. Samaan did not actuall~ provide a valid check
until October 4.2004. 14 days late.
6
(4) Samaan Failed to Provide the Second Deposit in a Timel" Manner: Samaan's
7
second deposit of $15.000 was due on September 12. 2004. Samaan did not
8 attempt to provide that deposit until October 12. 2004. 13 days later.
9
These are just a few of the numerous instances indicating that Samaan either vvas unable to
10 proceed with the purchase of the Property per the terms of the contract. or she simply was
1I
unwilling to do so. Either way. these facts prevent Samaan from obtaining summary
12 judgment as a matter of htvv. because she cannot establish. by undisputed fact that she \vas
13 ready willing and able to proceed with the purchase of the Property.
14
B. Plaintiff Fraudulently Induced Zernil5.'s Assent to the Contract
15
In Defendant's Ansvver he pleads unclean hands and fraud as aftinnative defenses to
16
17
Plaintiffs breach of contract and specific performance claims. "Specific performance cannot
IX be enforced against a party to a contract. ... if his assent was obtained by the
"'Where a party calls for specitic performance. he must. as to every part of the
26
transaction. be free from every imputation of fraud or deceit.' and 'must shO\v that his
27
conduct has been clear. honorable. and fair. ... Kelly v. Central Pacijic Railroad Co. (1888)
28
7
concerned. such a misrepresentation is material although not
8 accompanied by damage.
9 /£1. at 561. In other \\ords. specific performance cannot be granted \\here the buyer
10 fraudulently induced the seller to enter into the contract.
11 I len~. as set forth in great detail in the statement of facts. Samaan committed countless
12 acts of fraud to fraudulently induce Zernik to enter into the contract. The most salient
13 example of Samaan"s fraudulent inducement of Zernik rclates to the prequalification letter
I~ submitted on behalf of Samaan. On September 7. 2004. Samaan submitted a pre
IS qualification letter to lernik (via Michael Libmv) because Zernik had expressed concern to
16 his agent regarding Samaan' s ability to obtain a purchase money loan for the Property given
17 that she has represented herself as a real estate agent representing herself. Therefore. on
18 September 7. 200~. Libow received a facsimile purporting to be from Pacific Mortgage
19 Consultants.
20 Samaan submitted the pre-qualitication letter to Zernik \\ith the intent to induce him
21 to enter into contract. To induce Zernik's assent to the contract. Samaan made numerous
22 misrepresentations to Zernik. First. paragraph 2(g) of Samaan's Initial OtTer required
?'
-.) Samaan to submit a letter from a lender or mortgage broker stating that "hosed on a revievv
2~ oj Buyer's H'J"itfen application and credit report. BU,ver is preqzwlij7ed or preapproved for
,
-) the .\EvV loan speci/ied in 2C ahove." (Emphasis Added). 1I0\\\.:\er. during her deposition
26 Samaan testified that she had never spoken \\ith Parks (who signed the letter) or
27 communicated \\ ith him - making it near impossible for him to have reviewed her written
28 application. Further. neither Parks nor Samaan have produced a copy of Samaan's pre-
Second. the content of the letter turned out to be untrue and deliberately misleading.
Samaan \\as never actually approved for a purchast; money loan causing Zernik to cancel
esCfO\\. Third. the letter. \\hich \\as represented to be given by an independent hroker.
5 purportedly came from Parks. \vho was Samaan's then fiancc's cousin. Making an
7 Finally. the signature on the prc-qualification letter docs not match the signature of
8 Parks on his Court filings in this case. While it is impossible to determine \\hich version of
9 Parks' signature is accurate. even an untrained lay person' s eye can recognize the significant
II Parks nor Samaan has produced their version of the facsimile in discO\ery.
12 In short. Samaan's misrepresentation of her abi lity to obtain a purchase money loan
13 \vas intended to deceive Zernik. Zernik relied on that letter in giving his assent the contract
14 and \vas deceived into thinking that the letter was based on an independent analysis of
IS Samaan's financial status. Had Zernik known the true facts. he would not have entered into
16 the Contract.
22 inval id underwriting letter dated October 26. 2004. that did not exist on October 14. 2004.
23 Nevertheless. Parks claims that he \\as aware of this undenvriting letter on or about October
:2.+ 15. 200.+ and that this letter indicated a missing Zernik signature or initial causing the
25 suspcnsitm on or about Octobcr 15. 2004. In reality, the unden\Titing lettcr of October 1'+,
:26 200.+ signed by Diane Frazier, lists approximately 14 requiremcnts that Samaan had to
27 satisfy for loan approval. Chief among those conditions. \\as the requirement that Samaan
28 submit a \alid Uniform Residential Loan Application (Farm 1003) for the correct loan
program because Samaan had applied for a reduced documentation loan program that had a
S I million dollar cap. e\en though she \\as applying for a loan for S1.374.400. In addition.
3 in the tirst apprO\al condition in that letter. Frazier caught Samaan's fraud by discovering
Samaan had misrepresented the address of her sole place of employment. This caused her
5 loan application to be suspended.
7 instrument of deception. It is fraudulent on multiple leyels. While the ldter does appear to
All other valid underwriting letters were signed by either Diane Frazier. the
13
duly assigned under\\Titer. or by Maria Mclaurin. the Branch manager. who on
14 or around October 25. 2004. usurped Underwriting authority for Samaan's
loans.
15
16 b) This underwriting letter never appeared in four (4) subpoenas for documents
produced bv Countrywide to Zernik. In numerous meet and confer letters.
17 attorneys for Countrywide repeatedly promised Defendant that he received all
undenHiting letters applicable to this tile. When Defendant then showed them
18
the Underwriting Letter produced by Maria McLaurin on October 26, 2004,
19 the\'. concluded that it did not belong in the loan tile. When Defendant
~
demanded (Exhibit) in meet and confer letters that they proyide an explanation
20 for this letter. he receiyed (Exhibit) documents that appeared like
21 communications between Plaintiffs husband. Plaintiffs Counsel. and
McLaurin. in preparation for planting an invalid, unauthenticated document in
22 court filings.
23
e) Diane Frazier is J isted here as the underwriter. But her hand signature is
24 missin2.. in contrast to the other. valid undef\Hiting ktters. Moreover. bv
~ ~ .
.
October 26.2004. Diane Frazier was d'fectivelv removed from her authoritv as .
undenHiter for Samaan' s loans and that authority \\ as usurped by McLaurin.
26 Therefore. the missing signature here is that of McLaurin. not Samaan.
27 d) The loans were never suspended on October 26, 2004. By October 25. 2004.
28 McLaurin took control of the loans and started t\\O definitive actions to
8 e) Even had this Undenvriting Letter been valid. it is irrelevant. since Escrow was
canceled on October 21. 2004, and this Letter is dated October 26, 2004.
9
10 Likev,ise. the loan was suspended. per the terms of the underwriting letter, because
II due to the deliberate submission of dishonest loan applications. fees assigned to the loan
12 \vere erroneously lovvered and so were closing costs. Subsequently. if disclosure papers
13 were prepared based on this invalid application the disclosures would also be inaccurate.
14 Therefore. Samaan left the underwriter no other choice than to suspend the loan in less than
15 three days to protect Countrywide. because had she allowed the loan application to remain
16 \\ ithout valid loan disclosures (\vhich were not present) she would expose Countrywide to
21 of Counter Offer No. 2 expressly stated that "The terms and conditions of the above
23 offer) I an: accepted subject to the following:" Applying very basic contract principles
24 ren:als that a counter-offeree need not initial or sign an original offer after being presented
\vith a counter-offer. In other words. Zernik \\as never obligated to sign the original ofter
27 ~evcrtheless. Zernik did initial and sign pages I through 8 of the purchase agreement.
28 No\v. through the declaration of Victor Parks and without any documentary evidence.
Purchase and Sak Agreement and Joint Escrmv Instructions) atter 3:-1-2 p.m. on October 22.
3 200-1-. In fact. Gail HershO\\itz. in her declaration submitted in opposition to this motion.
4 ' could not contirm that lernik signed the contract at that time. (HershO\vitz Dec!.. ., 3.)
7 One of the main arguments that Samaan relics on in her motion for summary
8 judgment is a version of her initial offer that she claims Zernik did not sign. which prevented
9 her performance. The document she presented was a document misrepresented as a version
to of the purchase agreement that had been faxed by Mara Escrmv to Parks on October 22.
13 missing initials and signature it is important to understand Parks' declaration. Parks stated:
9 (4 ) Third. the version produced by Countrywide bears the 3 :42 p.m. facsimile
10 header and no intervening facsimile headers from October 11. 2004. In other
\\ords. the document produced by Countrywide contains three fax headers: (l)
II A September 22.2004 transmission from Coldv.ell Banker. (2) an October 22,
12 1004 transmission from Mara Escrmv at 3:42 p.m. and (3) an October 25.1004
facsimile from an unidentified source at 5:09 p.m. Based on Parks' version of
13 events. he claims he received facsimile (2) from Mara EscrO\v. and then
suhsequently received another version of the facsimile on that same day from
14
Mara Escrmv. "hich was "apparently" signed by Zern ik and then sent back to
15 Parks. who then forwarded it to Countrywide. apparently creating facsimile
(3). llmvever. in order for Mara Escrow to be on the facsimile header for
16 facsimile (3). Mara Escrow would have had to had Parks hand deliver that
17 document to them and then they would have had to hand deliver it to Parks,
\vho \vould have then had to have sent it to Countrywide.
18
19 O. Seller Had the Right to Cancel the Agreement on October 21, 2004.
20 Generally. the terms of the Purchase Agreement control the parties' duties and
21 responsibilities during the escrow period. Indeed. Paragraph 14 (c) of the Purchase
II
Agreement clearly sds forth the Seller's right to cancel the agreement where buyer does not
23 remove thc applicahle contingency or fulfill buyer's contractual obligations.
24 I lere, as set forth in the statement of facts (above) Samaan (buyer) breached both
prmisions giving Zernik the clear right to cancel the agreement. At the \'er~ least. Samaan' s
26 contention that escrow was cancelled on October 25. 2004, is completely in dispute with
27 Zernik's contention that he cancelled escrow on October 21.1004. DF~
28
r;;/
----J~!-~(K:-::------
9
II
12
13
14
15
16
17
18
19
20
2\
II
23
24
25
26
27
24 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
PROOF OF SERVICE
I am employed in the County of Los Angeles. State of California. I am over the age
of 18 and not a party to the within action: my business address is 12100 Wi Ishire Boulevard.
Suite gOO. Los Angeles. California 90025.
5 On July 26. 2007. I servcd the foregoing document described as DEFENDANT
JOSEPH ZERNIK'S OPPOSITION TO PLAINTIFF NIVIE SAMAAN'S MOTION
6
FOR SUMMARY .JUDGMENT; MEMORANDUM OF POINTS AND
7 AUTHORITIES IN SUPPORT THEREOF envelope addressed to:
16
D BY FEDERAL EXPRESS: The Federal Express packa£l.e tracking number for this
envelope is _ . and the envelope\\ as sent fmode] for receipt
on [day I. [dateT
17
D BY j·ACSIMILE MACHINE: The above-referenced document \\as transmitted by
facsimile transmission and said transmission \\as reported as complete and without
18
error.
19
Executed on .I uly 26. 2007. at Los Angeles. Cali fornia.
20 (State) I declare under penalty of perjury under the Im\s of the State of Calit()rnia
that the above is true and correct.
21
22
23
24
Lili! Vardanian
26
27
28
25 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Joseph Zernik
In Pro Pcr FILED
7
FOR THE COUNTY OF LOS ANGELES
16
J{)S~~PI~-jl~RNlK~~1 individuaL -~---~
j JUDGMENT
20 individual. )
) Place: Department "WE-I"'
21 C ross- De fendants.
)
)
II -~~~~)
.,
J'
.,)oJ J
. I... J : ,'-) ~
.. ; ; , I \
, \
25 \
26
~ . ,
27
28
26 / 745 -1- L,\ Id~l1ti~lr: Ohkctiolb in Suprhlrt of' [)~klld~m, 0p[1(hitillll tll
Court File: "Volume IV Continued" \ Illti'Hl I<Jr "iullll11ary judgmellt
Samaan v Zernik (SC087400) Los Angeles Superior Court Case '\0. SC087-l00
OBJECTIONS TO DECLARATION OF NIVIE SAMAAN IN SUPPORT OF HER
1 MOTION FOR SUMMARY JUDGMENT
3 Objection Number 1
-+ Evidence: Page 1. Paragraph 2. Lines 10 Page 2. Lines 1-2.
5 In March 2004. I became engaged to my husband Jae Arre Lloyd and we began
7 September 18. 2004. in Hmvaii. At the time Jae Arre Lloyd and his three daughters lived
8 together in L1oyd's two-bedroom apartment on Peck Drive in Beverly Hills but I did not live
9 them. Our search for a home \vas limited and driven by two man factors: ( 1) our budget was
10 approximately $1.7 million, and (2) because our children were enrolled in high school and
II middle school in Beverly Hills. our new home had to be located in the Beverly Hills area so
12 that our children could remain in the same schools. Even within Be\l~rly I Iills, our search as
13 limited to a ten block radius from L1oyd's apartment. There are three middle schools in
14 Bt:verly Hills and two of our three daughters were enrolled in one of them. tht: EI Rodeo
15 Middle School on Whittier Drive (currently one of our daughters is still enrolled at EI
16 Rodeo). In order for our daughters to continue to attend EI Rodeo we have to live in the
17 school" s coverage area which includes an approximately ten block radius around Lloyd' s
18 apartment on Peck Drive. Keeping our daughters in the same school \vas very important to
19 us. Lloyd's daughters had lived with their mother (Lloyd's former \vire) until February
20 2004. Bet\\een 199 and 2004 Lloyd's daughter had moved five dilTerent times and had
changt:s schools a few times. It was very important to us to provide them \vith stability.
11 Eventually. in August 2004. I moved into Lloyd's two bedroom apartment hoping that soon
24 Currently me. LJO) d and our three children all live in the same t\\ o-bedroom apartment on
Peck Drive
28 performance action.
4 Objection Number 2
6 [ am infonned and believe that the Property was. and is. owned by defendant Joseph
7 Zernik. f lis agent in the transaction was Michel Libow of Cold\\ell Banker.
8 Grounds for Objections:
13 Overruled: - - - - - - -
14
15 Objection Number 3
Objection Number 4
26 The next day. on September II. 2004. 1 accepted all of the terms of defendanrs
27 counter-offer with the exception of on item and faxed my second counter offer to ddendant.
I
28
') defendant.
6 secondary evidence. Evid. Code ~ 152 I. The best evidence of the terms of Samaan's second
1I Objection Number 5
1-1- 13. 200-1-. and not having heard from defendant vvrote again to Lihow urging a response to
15 m\ second counter-offer. Attached hereto as Exhibit -1 is a true and correct copy of my
21 Overruled: - - - - - - -
22
23 Objection Number 6
2-1 Evidence: Page 2. Paragraph 5. Lines 27 - Page 3. Line 2.
25 I I received defendant's acceptance of my second counter-offer. Attached hereto as
26 Lxhibit 5 is a true and correct copy of the facsimile I received form Libovv accepting my
27 second counter-offer.
29 / 745
-..J.- [\ iJ~ntiar: Ubj~cti()n, in SUJiPO!1 'If [)~knJants ()PJi(1~ition to
Court File: "Volume IV Continued" \ll1till[1 !()r Summar: judgment
Samaan v Zernik (SC087400) Los Angeles Superior Court Case \10. 5C087400
Grounds for Objections:
! Impermissible secondary evidence. Evid. Code ~ 1521. The hest evidence of the terms of
3 this document is the document itself.
-1 Court's Ruling on Objection 6: Sustained: - - - - - - -
) Overruled: - - - - - - -
6 Objection ~umber 7
8 Because Libow faxed his acceptance late in the evening. I did not actually receive it
9 until the next morning. as I \vas preparing to kave for my wedding.
10 Grounds for Objections:
15 Overruled: - - - - - - -
16
17 Objection Number 8
19 That morning. September 16, 2004, before leaving for the airport I faxed Libow an
20 addendum to the Purchase Agreement changing the acceptance date to Septemher 23. I was
21 concerned. and had previollsly communicated this concern to LibO\v. that if \'ve did not move
the acceptance date to September 23. I may not be able to comply with the deadlines in the
Purchase Agreement. including the deadlines to remove contingencies. In my fax to Lihow l
~xpressly told him that if the date \\as not changed "I \vill not be bale to meet the h:rms of
the Purchase Agreement.·· Attached hereto as Exhibit 6 is a true and correct copy of my
26 facsimile to Libm\. I also asked Libo\\ to have the Escrow Instructions. the executed
17 Purchase Agreement and the Preliminary Title Report (the "Escrmv Package") to my house
28 during: my absence so that I could begin \\orking on the transaction immediatdy upon my
30 / 745
-5- h id<? tllia r: ()b.iccti<lll~ in Support or [)ctl:nd,lnts 0PPlhition to
Court File: "Volume IV Continued" \l\)ti,\!l for "ul11n1ar:-iudgn1~nt
Samaan v Zernik (SC087400) Los Angeles Superior Court CJse ~(J. SC087<fOO
return.
') Grounds for Objections:
3 Misstates cvidcnce. The proposed addendum did not change the acceptance date, as it
~ \\ as not signed. Improper authentication. Hearsay. 1I11permissiblc secondary evidence. Evid.
S Code ~ 15:21. The best evidence of the terms ofSamaan's alleged facsimile is the facsimile
6 itself.
7 Court's Ruling on Objection 8: Sustained: - - - - - - -
8 Overruled:
--~-----
10 Objection Number 9
12 Libm\ told me that there was no need to sign the Addendum and assured me that
13 defendant \\ould give me additional time to meet the deadlines in the Purchase Agreement if
I~ needed.
15 Grounds for Objections:
18 Overruled: - - '-
./
-----
19
20 Objection Number 10
26 Overruled: - - - - - - - -
27
28
31 / 745
-6- E\ Idcntiar) Objections in Support of DdcnJants Opposition to
3 ben though I had asked LibO\\ to deliver the Esc[(m Package to my hC)l1se during
7 foundation has been established for Samaan knowledge of whether she received an "Escrm\
10 Overruled: - - - - - - -
II
12 Objection Number 12
1-1 When \\ie retuned we had a voicemail from Libow informing me that he needed the
19 Overruled: - - - - - - -
20
21 Objection Number 13
7} Evidence: Page 4. Paragraph 7. Lines 8-10.
Mara Esc[()\\ rcsponded that it could not deliver the Escrow Package because
defendant had not yl:t provided Mara Escrow \vith the executed Purchase Agn:t:mt:nt.
26 Hearsay. Evid. Code ~ 1200. Lacks foundation. no personal knO\vlcdge. Evid. Code
27 ~~ 400-403.702. No foundation has been established for Samaan having personal knowledge
28 oh\herher lernik had provided Mara Escrow with the "cxecuted Purchase Agreement.'·
32 / 745
_7_ r: \ iJcnliar: (Jbjcclion, in "Urrl1I1 lll' Ikkndanh (Jpposilion to
Court File: "Volume IV Continued" \ 1\l[ilJn )()r SlIl11mar:i lIdglllcnt
Samaan v Zernik (SC087400) Los Angeles Superior Court Case ~o. SC087400
2 Court's Ruling on Objection 13: Sustained: - - - - - - -
3 Overruled:
-------
4 Objection Number 1-4
11
12 Objection Number 15
14 On Tuesday September 29. I learned from my broker Parks that he still had not
17 Page 4, Paragraph 9, lines 14-15. Hearsay. Evid. Code § 1200. Laeks foundation. no
18 personal knowledge. Evid. Code §§ 400-403.702. No foundation has been established for
19 Samaan having personal knowledge of whether Parks had received the "Escrow Package"
24 Objection Number 16
26 Mara Escr(m responded that they were \vaiting for some documents from Libow.
28 Hearsay. Evid. Code ~ 1200. Lacks foundation. no personal knowledge. Evid. Code
6 Objection Number 17
12 agrcement"·. Evid. Code ~§ 800. 801. Lacks foundation. no pcrsonal knowledge. Evid.
13 ('mit: ~~ 400-403.702. No foundation has been estahlished for Samaan having personal
16 Overruled: - - - - - - -
17
18 Objection Number 18
20 The following Monday. October 4. I met Libow at the Property to review the Home
:2 I inspection Report and sign the Transfer Disclosure Documents. Later that day. Libow faxed
23 signed and t~lxed the documents back to Libow within minutes of receiving it.
~ ~
Attached
24 hereto as Exhibit 9 is a true and correct copy of mv tax to Libo\\ removmg these
25 contingencies.
28 No foundation has been established for Samaan having personal knO\dedge of when Libovv
7 Evid. Code ~ 1521. The best evidence of the terms of Lih()\\'s t~lcsimile is the facsimile
3 itself.
6 Objection Number 19
8 On Wednesday. October 6. Parks contacted me and told me that he still had not
13 Oyerruled: - - - - - - -
14
15 Objection Number 20
17 At his urging. [ called Mara Escrow and Libo\V and again asked them to send the
18 Escrow Package.
20 llearsay. Evid. Code ~ 1200. Lacks foundation. no personal knowledge. Evid. Code
21 ~~ 400-403.702.
Sustained: - - - - - - - -
Oyerruled: - - - - - - -
Objection Number 21
27 Finally. 011 Wednesday. October 6. after the close of business. at 5:38 p.m.. Mara
2R EscrO\\ sent to me and Parks some. but not all. ufthe necessary documents. Specifically.
close of business. Parks did not receiYe the documents until the next day. Thursday. October
7.
10 Objection Number 22
II Evidence: Page 5. Paragraph 11. Lines 8-11.
12 On Friday. October 8. [ delivered a cashier's check in the amount of $15.000 for the
13 deposit to Mara Escrow. Attached hereto as Exhibit lOis a true and correct copy of my
1.+ second deposit check. Monday. October 11 was a holiday.
15 Grounds for Objections:
16 Misstates evidence. The trust account deposit receipt shows the check being received
17 bv Mara Escrow on October 12. 2004. Impermissible secondary evidence. Evid. Code
18 S
~ I':;- -J 1. The best evidence of the deposit check and its receipt is the document itself.
21 Overruled: -+\:.,......,. _
Objection Number 23
25 Attached hereto as Exhibit 11 is a true and correct copy of my fax to Lib(m removing
36 / 745
-11-[\ identiJI) Obiection, in Support oj' Defendant, Opposition to
Court File: "Volume IV Continued" \ lutiun I;)r Summar\ judgment
Samaan v Zernik (SC087400) Los Angeles Superior Court Case ~o. SC087400
Code ~~ 800. 80 I. Impt:rmissible secondary evidence. Evid. Code ~ 1521. I-karsay. Evid.
Code ~ 1200.
8 I also wrote a letter to Libow explaining that as the loan's approval \\as conditioned
9 on the appraisal rev iew. I could not remove the appraisal contingency. Attached hereto as
10 Exhibit 12 is a true and correct copy of my letter to Libow. Zemik' s failure to provide he
II fully execute Purchase Agreement was the only rcason I could not remove my appraisal
12 contingency. because I could not remove that contingency until Country\vide had approved
16 secondary evidence. Evid. Code ~ 1521. Hearsay. Evid. Code § 1200. Lacks foundation, no
19 Overruled: -----+.,-<::=...-_--
20
21 Objection ~umber 25
23 .
On Thursdav. October 21. r received a letter from defendant himselftcllin!! me that if ~
27 secondary evidence. Evid. Code ~ 1521. Hearsay. Evid. Code § 1200. Lacks foundation, no
4 Objection Number 26
6 Latcr that day. LibO\\ wrote to me contirming that defendant had agreed to extend the
7 deadlines in the parties' agreement and asked for a dosing to be extended from November I
9 true and correct copy of Libow's email. The next day. I informed Libo\\ that an extension of
13 Impennissibk secondary evidence. Evid. Code ~ 1521. Hcarsay. Fvid. Code ~ 1200. Lacks
16 Overruled: -l.../"
------
17
18 Objection Number 27
20 On Monday. October 25. I learned from Parks that the lender had approved the loan
~~ -WO-403.702.
25 Court's Ruling on Objection 27: Sustained: - - - - - - -
26 Overruled: \. _/ _
27
28
Cpon lcaming of this fact. I immediately called Libo\V at 3:02 p.m. and told him that I
\vas removing the Appraisal Contingency. Exhibit 7.
5 Grounds for Objections:
Objection Number 30
8 Overruled: - - - - - - -
9
10 Objection Number 31
12 After defendant attempted to cancel escrow we continued to look for homes but could
13 not find any within our price range in Beverly Hills. Our budget is still around $1.7 million.
I c+ Property values have substantially increased since 2004. to the point that \\e arc currently
15 priced out of the market in Beverly llills. Attached hereto as Exhibit 16 are true and correct
16 copies or real estate records indicating the homes in our neighborhood no\\ sell at $2.2 to
17 $2.5 million range.
18 Crounds for Objections:
19 Irrelevant. Evid. Code § 350. llearsay. Lacks foundation. no persona] knowledge.
20 Evid. Code §§ 400-403}02. Improper authentication. Improper legal conclusion/argument.
21 Evid. Code ~§ 800. 801. Impermissible secondary evidence. Evict. Code § 1521.
'1/ Court's Ruling on Objection 31: Sustained: - - - - - - -
Overruled:
25 Objection Number 32
28 IliSlCd it for sale but instructed his broker to tell me that the house is no longer tor sale.
lO Overruled:
--------
I1
12
OBJECTIONS TO DECLARATION OF VICTOR PARKS IN SUPPORT OF
13
PLAINTIFF NIVIE SAMAAN'S MOTION FOR SUMMARY JUDGMENT
14
Objection Number 1
15
Evidence: Page 1. Paragraph L Lines 4-7.
16
1 am a Senior Loan Consultant with Pacific Mortgage Loan Consultants. I submit this
17
declaration in support of Nivie Samaan's Motion for Summary Judgment. r have personal
18
knmvledge of the facts set forth herein. which are knmvn by me to be true and correct. and if
19
called as a \\ itness. I could and would competently testit} thereto.
20
Grounds for Objections:
21
Lacks foundation. no personal knmvledge. Evid. Code 9~ 400-403.702. No
II
foundation has been established for Samaan having personal kJ1lm ledge of any of the items
23
he has stated in his declaration.
24
Court's Ruling on Objection 1: Sustained: --------
2S /
Overruled: - - - - - - - -
26
27
28
I han: mer 30 yeLlrS of experience in real estate lending and sales. I have been a
Senior Loan Consultant \vith Pacific Mortgage for approximatdy 4 years. As a Senior Loan
5 Consultant I act as a broker bet\veen lenders and borrowers. My duties include gathering
6 information needed b) lenders from horrmvers and facilitating the procurement of loans. I
7 have been a broker since 1986. Prior to that from 1982 to 1986 I was a Vice President and
8 Corporate loan officer for Bank of California (nO\v LJnion Bank). Before that from 1971 to
9 1982 I was Assistant Vice President/Corporate Loan Officer at Bank of Southern California.
10 As a loan ofticer at both Bank of California and Bank of Southern California I was
II responsible, among other things, for revievving loan applications. packaging loans and
12 determining \vhether borrowers applying for loans met the bank's criterion. In addition to
13 the above. since 1999 I have been a licensed real estate broker. Attached hereto as Exhibit
14 20 is a true and correct copy of my most recent resume outlining my experience and
19 Overruled: - _ . : - - _ - - -
20
21 Objection Number 3
!I Evidence: Page 1. Paragraph 3. Line 24 - Page 3. Line 6.
!"
-j When deciding whether or lend money to a buyer of residential real estate, like Ms.
24 Samaan. a knder examines three factors: (I) the borro\\er's ahility to rcpay the loan. (2) the
25 borrO\\er's willingness to repay the loan and (3) the Iender's ahility to recover the loan
26 should the borrO\ver fail to repay. With respect to the tirst category. the lender will look to
27 the bOITO\\cr's income and debt structure. The second category is analyzed based on the
28 bOITO\\er"s credit history and score. For the first two categories the bOITo\ver is the party
19 reviewing the preliminary title report and the executed purchast.: agreement. Borrowers
20 typically \\ill not remove their appraisal contingency until the lender has approved the
21 appraisal of the property. [n a residential purchase transaction. such as the one involved
:22 here. contingencies are in place to protect the purchaser. r or example. an appraisal
23 contingenc) means that the buyer's purchase of the property is contingent on the property
2.+ appraising at the purchase price thi.: parties have .agreed upon. An appraisal has two
25 components. The tirst is an appraisal done by an independent appraisal agency. here
26 Property Sciences Group. Inc. Once the independent agency appraises the property and
27 prepares a report. as Property Sciences Group. Inc. did here. that report is sent to the lender.
28 The second component of the appraisal is the lender's approval of the appraisal done by the
13 On or ahout September 15. I learned from Samaan that Icrnik had accepted her
14 counter-offer (second counter-l)fTer total) and she instructed me to begin the process of
15 procuring a loan for her purchase of the property. She informed me that escrow \\as to close
16 on November 1. 2004.
17 Grounds for Objections:
21
22 Objection Number 5
5 Objection Number 6
6 Evidence: Page 3. Paragraph 5. Lines 18-24.
8 me to begin processing her loan. I asked Samaan for the fully executed Purchase Agreement
10 Inspection Advisory and Wood Destroying Pest Inspection and Allocation Cost Addendum.
12 offer) collectively the "Purchase Agreement'") and the Preliminary Title Report (the "Escrow
13 Package"').
19 Overruled: - - - - - - -
20
21 Objection Number 7
applicable and also initial the bottom right corner of the Residential Purchase Agreement and
4 Objection Number 8
5 E\idence: Page 3. Paragraph 5. Line 26 - Page 4-. Line 2.
6 Samaan told me that she would contact the escrow company selected hy Lernik Mara
7 Lscrc)\\ Company ("\1ara Escrow"). and request the Escrow Pad.age. The escrow agent at
14 Objection Number 9
15 Evidence: Page 4-. Paragraph 6. Lines 5-9.
16 The next day. on Tuesday September 28, I email Zernik's agent Michael Libow and
17 informed him that I have begun processing Samaan's loan. Ilowc\cr. I could not submit the
18 loan to the lender. Countrywide, until I had the Preliminary Title Report and the fully
19 executed Purchase Agreement. I told Libow that \ve expected final loan approval in 10 days.
24 Overruled: - - - -
' - - -
J
-,-)
7 Objection Number 11
8 Evidence: Page 4. Paragraph 6. Lines 10-13.
9 I responded that \ve had been informed that all deadlines \vould start from September
10 23. Libow never told me or to my knowledge. anyone else. that he disagreed with this
II understanding. Attached hereto as Exhibit 21 are true and correct copies of my email
21 Escrm\ Package. 1 told Mara Escrow that any delay by the seller in ddi\ering the Escrow
Y) Package \\ould delay the approval of the loan. The knder could not and \vould not approve
23 the loan \\ithout the Preliminary Title Report and the fully executed Purchase Agreement.
14 Mara Escrow responded that they were waiting for L ibow to send them thc fully executed
25 Purchase Agreement.
28
6 The next day. I again contacted Mara Escrow and asked them that thc\ rush the
7 Escro\v Package to me. I did not receivc a response to from Mara Escrow and notified
17 Package. I told Mara Escrovv that I was ready to submit the loan for approval but needed the
22 Overruled: - - - - - - - \ J""
23
24 Objection Number 15
27 more time to send the Escrow Package to me because Zemik had not yet delivered the
need'" Attached hereto as Exhibit 22 is a true and correct copy of transcript of Mara
EscrO\v' s voicemail for me.
10 Objection Number 16
II Evidence: Page 5. Paragraph 9, Lines 5-11.
12 Alier receiving this voicemaiL I sent an email to Libow telling him ··we'll be ready to
13 submit for loan approval tomorrow when the appraisal is in. unfortunately, we called cscrow
14 to follow-up on our request for [escrmvj instructions and prdim[inary Title Report] made on
IS 9/27 and they're saying we may not get everything until next week., .As you're aware, we
16 need these items to submit for tinal loan approval.'· Attached hereto as Exhibit 23 is a true
17 and correct copy of my email to Libow dated October 5, 2004. LiboV\! did not respond to my
18 email.
Objection Number 17
27 Still not having receivcd the Escrovv Package. on Wcdnesda~. October 6. I urged
28 Samaan to contact Mara Escrm\. Finally. on Wednesday. Octoher 6. after the close of
10 Objection Number 18
II Evidence: Page 5. Paragraph 10. Lines 16-18.
12 Speci fically. Mara Escrow deliver the Purchase Agreement (still not initialed one
13 e\ery page by defendant) and the Preliminary Title Report to Samaan and me. Mara Escrow
1-+ did not. howeva. deliver the fully executed Purchase Agreement.
15 Grounds for Objections:
20 Overruled: - - - - - - -
21
Objection Number 19
Evidence: Page 5. Paragraph 10. Lines 20-22.
"
--'
Onc day later. I notitied Libow that I was submitting the loan to the lender.
Country" ide for approval but that the lender would not receive it until October 12. because
26 Monday October II was a holiday.
27 Grounds for Objections:
Overruled: - - - - - - -
3
4 Objection Number 20
5 Evidence: Page 5. Paragraph II. Lines 24-26.
6 The following \\eek. on Friday. October 15. I learned that the lender. Countrywide.
7 \\ as suspending a decision on the loan because Zernik had not yet sent me the fully executed
8 Purchase Agreemt.:nt.
9 Grounds for Objections:
12 Overruled: - - - - - - -
13
14 Objection Number 21
16 I immediately contacted Mara Escrow and urgcd thcm to send me the fully executed
17 Purchase Agrt:ement.
18 Grounds for Objections:
21 Overruled: v· _
/7
23 Objection Number 22
The folkming Monday. October 18. Mara Escrow sent me some additional
26 documents. but still not the fully executed Purchase Agreement.
27 Grounds for Objections:
8 Not having received the fully executed Purchase Agreement. I pleaded with
9 Country\\ide to conditionally approve the loan.
10 Grounds for Objections:
15 Objection Number 24
21 Overruled: - - - - - - -
22
Objection Number 25
25 I inltmned Libow of this fact and told him that the loan is conditioned on the appraisal
26 revie\\ due by the end of the \\eek. October 22. and the lender receiving the executed
27 Purchase Agreement.
28
5
6 Objection Number 26
8 On Thursday. October 2 L 1 contacted Mara Escrow and informed them that 1 \vas
9 readY"' to order all the loan documents. but could not do so until 1 received the fullv. executed
10 Purchase Agreement.
11 Grounds for Objections:
14 Overruled: - - - - - - -
15
16 Objection Number 27
18 1 also told Mara that the lender would not approve the appraisal rcvic\v until had a
19 fully executed Purchase Agreement. initialed on every page by Zernik.
20
21 Grounds for Objections:
24 Overruled: - - - - - - -
26 Objection Number 28
28 On Friday. October 22. I called Mara Escrow and pleaded for a fully executed
53 / 745
-28-1::\ idcntidr~ Ubj<.'ction) in Support of Dcknddllts Opposition to
Court File: "Volume IV Continued" \!I)t!on tor Surnmar~ Judgm<.'nt
Samaan v Zernik (SC087400) Los Angeles Superior Court Case :\0. SC087.+00
Purchase agreement so I could forward it to Country\vide so they could approve the appraisal
.2 review of the Property. At this point. the only thing preventing the Country\\ ide from
3 completing its review of the appraisal of the Property \\ as the fact that it had not received a
10
II Objection Number 29
13 At approximately 3A2 p.m. Mara Escrow sent me a copy of the Purchase Agreement.
14 Attached hereto as Exhibit 24 is a true and correct copy of the facsimile cover sheet and
15 Purchase Agreement Mara Escrmv send me on October 22. 2004. This document is not
16 initialed on every page by Zernik showing that as of 3A2 p.m. on October 22. Zernik had yet
24
Objection Number 30
27 Subsequently. later that day. Mara Escrow sent me a fullv executed copy of the
28 Purchase Agreement.
Lacks foundation. no personal knO\\ kdge. Evid. Code ~§ -l00--l03. 70~. Speculation.
3 Court's Ruling on Objection 30: Sustained:
-------
Overruled: - - - - - - -
5
6 Objection Number 31
8 Apparently. at some point after 3A2 p.m. on Friday. October ~2. Zernik went to Mara
9 Escrow and initialed every page of the Purchase Agreement.
10 Grounds for Objections:
15 Overruled: - - - - - - -
16
17 Objection Number 32
Overruled: - - - - - - -
26 Objection Number 33
8 Objection Number 34
9 Evidence: Page 7. Paragraph 15. Lines 6-8.
10 The flowing Monday. October 25. I relieved the lender appraisal approval and
II immediately informed Libow of the same. Attached hereto as Exhibit 25 is a true and
18
19 Objection Number 35
22 we did not timely receive the Preliminary Title Report and the executed Purchase
Agreement.
56 / 745
'" I E \ iJentiJI! Ohjcctions III Suprorr of Ddcndants Opposition to
Court File: "Volume IV Continued" -j - . \lotion,orSummanjudgmt:nt
Samaan v Zernik (SC087400) Los Angeles Superior Court Case ;\io. SC087400
Objection Number 36
3 Here. lernik and Libo\\ did not deliver the Preliminary Title Report to me until
-1 Thursday. October 8. 200-1-. one day before a three day \\eckend. Therefore. Countryvvide
5 did not have the Preliminary Title Report until Tuesday October 12.
10 Overruled: - - - - - - - -
II
12 Objection Number 37
1-1 But even \\ith the preliminary title report Countrywide \\ould not approve the
15 appraisal until it had the Purchase Agreement. vvhich Zernik did not provide to us until
21 Overruled: - - - - - - -
22
23 Objection Number 38
25 [n:n with all oflerniks' delays. the loan was approved on October 22.
Overruled: ----,------
3
Objection Number 39
6 I \Ve had one full week before the deadline for close of escrO\\.
7 Grounds for Objections:
8 Hearsay. Lacks foundation. no personal knowledge. Evi(t Code ~~ -1-00--1-03.702.
9 Improper legal conclusion/argument. Evid. Code §~ 800. 801.
I1 Overruled: - - - - - - -
12
13 Objection Number 40
15 [t \vould have taken a few days for the loan documents to be prepared. Based on my
16 experience I believe that the parties could have closed escrow by November 1. 2004. If
17 lernik had complied with his obligation to provide Samaan with a fully executed Purchase
18 Agreement by September 27. 2004. Samaan \vould have been able to remove the Appraisal
19 Contingency by October 11. 2004.
20 Grounds for Objections:
24 Overruled:
26 Objection Number 41
28 Attached hereto as Exhibit 26 is a true and correct copy of the appraisal of the
7 Overruled: I",. .
--'"'------
8
9 OBJECTIONS TO DECLARATION OF MARIA MCLAURIN IN SUPPORT OF
11 Objection Number 1
13 I am the branch manager for the San Rafael branch of Country\\ide Home Loans. Inc.
14 ("Country\\idc··). the branch that processed the loans for \\hich Nivie Samaan applied to
15 purchase the property at issue in this case (designated as Countrywide loan numbers
16 81737375 and 81737383). I have personal knowledge of all facts set forth in this
17 declaration. and if called as a witness could and would testify competently thereto.
18 Grounds for Objections:
Overruled: - - - - - - - - -
26 Objection Number 2
28
2 business. created at or near the time of any events in question and stored in the ordinary
6 Code ~~ 400-403.702. No foundation has been established for these records being the type
7 of record customarily kl:pt by Countrywide. No foundation has been established for the
8 entries on these records having been made by someone under a duty to make such entries.
9 Taylor v. Centennial Bowl, Inc. (1966) 65 C2d. 114. No foundation has been established for
10 McLaurin's firsthand knowledge of the information in the records or her obtaining such
II information from someone under a duty to report such information to her. No foundation has
12 been established for the records being made at or near time of the act or event recorded. No
13 foundation has been established for McLaurin's qualification to authentic these records. No
14 foundation has been established as to the identity and mode of preparation of the documents.
15 Evid. Code ~ 1271. Gee v. Timineri ( 1967) 248 CA2d 139. 146.
19 Objection Number 3
21 The loan \\as suspended. however, because Country\vide had not yet received a copy
25 foundation has been established for any alleged requirement that County\\ide must receive a
26 copy of ..the fully executed purchase agreement.·· No foundation has been established for
27 these records being the type of record customarily kept by Countr: \vide. No foundation has
28 been established for the entries on these records having been made by someone under a duty
'1 heen estahlished for McLaurin's tirsthand knowledgc'ofthe information in the records or her
3 ohtaining such information from someone under a duty to report such information to her. No
4 foundation has heen established for the records being made at or near time of the act or event
7 has heen estahlished as to the identity and mode of preparation of the documents. Evid.
8 Code ~ 1.27 I. Gee v. Timineri ( 1967) 248 C A2d 139. 146. Improper authentication.
10 Overruled: - - - - - - -
II
1.2 Objection Number 4
14 L~ased on the information she provided and suhject to any later arising conditions. Ms.
15 Samaan olhemise qualitied for the loans. and if all underwriting and lender conditions v"ere
16 met. including the receipt of a fully executed purchase agreement. Country\vide would have
24 Objection Number 5
25 Evidence: Page 2. Paragraph 5. L.ines 1-7.
26 Country\\ ide requires a fully executed purchase agreement (signed and initialed on
27 e\ery page \\here applicable by both buyer and seller) before approving and funding a
28 purchase money loan. A fully executed purchase agreement enables Country\vide to approve
..
61 / 745
_36_1:\ identiar) Objection, in SUPPO!1 \)1 Deknd3nh Opposition to
Court File: "Volume IV Continued" \Iotion tllr "ummar) judgment
Samaan v Zernik (SC087400) Los Angeles Superior Court Case \10. SC087400
the appraisal of the property prior to approving a loan. because the terms of the purchase
') agreement may affect the value of the property. Country\vide \vill not approvc a loan until it
3 has revie\vcd and approvcd the appraisal on the property for \\ hich the loan is being
4 obtailh:d.
5 Grounds for Objections:
6 Hearsav. Lacks foundation. no personal knowledge. Evid. Code ~~ 400-403.702.
7 Improper legal conclusion/argument. Evid. Code ~~ 800. 801.
8 Court's Ruling on Objection 5: Sustained: - - - - - - -
9 Overruled: ------""-----
10
11
OBJECTIONS TO DECLARATION OF ALFRED CANINO IN SUPPORT OF
12 PLAINTIFF NIVIE SAMAAN'S MOTION FOR SUMMARY JUDGMENT
13 Objection Number 1
22 Overruled: -------
23
24 Objection Number 2
26 Attached hereto as Exhibit B is a true and correct copy of the Home Loan Pre
27 Approval issued by Metrocities Mortgage to Ms. Nivie Samaan. indicating that she is pre
28 approved for a loan to purchase 320 South Peck Drive. Beverly Hills. California.
10
II
12 IT IS SO ORDERED.
13
14 DATED: .2007
J5
16
• 1 :
-,-,'i_C;'~Ll '__ LJ~\~t \ //~L ;~~
17
JUDGE JAQULloINE ~)' CONNOR
18 ) - /
19
20
2\
22
23
2.+
25
26
27
28
"
j I am employed in the County of Los Angeles. State of California. I am over the age
of 18 and not a party to the \\ithin action: my business addrcss is 12100 Wilshirc Boulevard.
Suite SOO. Los Angeles. California 90025.
10
BY MAIL: I caused such envelope to be deposited in the mail at Los Angeles.
1I California. The envelope was mailed with postage thereon fully prepaid. I am readily
familiar \\ith the firm's practice of collection and processing correspondence for
12 mailing. It is deposited Vvlth the United States Postal Service on that same day in the
ordinary course of business.
13
D BY PERSONAL SERVICE: I caused such envelope to be personallv delivered by
hand to the offices of the addressee. .
1-l
15 D BY fEDERAL EXPRESS:
emelope is _
The Federal Express package tracking number for this
__. and the envelope \vas sent [model for receipt
16 on l day J. Idater ~
23
2-l
26
27
28
64 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Joseph lernik
In Pro Per
320 S. Peck Avenue
;
~4
.
...
'
~ .~
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.
J
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~
310-43"5-9107
5
6
SUPERIOR COURT OF THE STATE OF CALIFORNIA
7
FOR THE COUNTY OF LOS ANGELES
8
9
NIVIE SAMAAN. an individual. ) Case No. SC087400
10 )
Plaintit1~ )
Assigned/or all purpose.)' to the Honorable
II )
v. ) Jacqueline Connor
12 )
JOSEPH ZERNIK. an individual. and DOES ) DECLARATION OF JOSEPH ZERNIK
15 - - - - - - - - - - -----)
18 )
Place: Department "WE-I"
COLDWELL BANKER RESIDENTIAL )
19 )
BROKERAGE: MICHAEL LlBOW. an )
20 individuaL )
)
21 Cross-Defendants. )
)
'-------- )
23
26 Case NO. SC087400. As such. I have personal knowledge of the facts set forth herein \\hich
27 I knO\\ to be true and correct and. if called as a \vitness. I could and would competently
3 3. In or about July 2004. I entered into a listing agreement with Michael Libow
4 ("'Libow") of Coldwell Banker Residential Brokerage to list my real property located at 320
5 South Peck Avenue, Beverly Hills. California 90212 (the "Property") for sale. Shortly after
6 listing the Property for sale. Plaintiff submitted an offer to purchase the Property for
7 $ 1.670.000.
8 .f. From the outset of this transaction (the presentation of this initial offer)
9 Plaintiff fraudulentlv induced me to enter into an agreement to sdl mv house. Indeed, at the
~ ~ -
10 time Plaintiff submitted her offer. on her fax coversheet she affirmatively represented that
1I she was representing herself in this transaction. A true copy of the fax covershcet enclosing
12 Samaan's initial offer is attached hereto as Exhibit A. Later. Plaintiff stated "My apologies
13 if I miss spoke on my voicemail message to you earlier. I'm a health & Beauty Consultant
14 by profession. but have a Real Estate license and sell a few properties a year." A true copy of
15 Plaintiffs fax covershect to Libow is attached hereto as Exhibit B. Then. during her
16 deposition. she further recanted her representation by explaining that she had never sold any
18 5. did not accept PlaintitTs initial otTer for many reasons. I was primarily
19 concerned about the validity of an offer from a real estate agent representing herself. Indeed.
20 I preferred to entertain otfers from potential buyers who were represented by independent
21 agents or brokers. I firmly believe that an offer presented by an independent real estate agent
22 or broker has the advantage of being evaluated and verified by a third party before being
23 presented to me. In addition. several of the terms of the offer \\ ere not at the level I sought.
24 For example. Plaintiffs offer had a very low initial deposit of 510.000 for a purchase of
25 51.670.000. which represents .59 percent of the total purchase price. \vhich is far below the
26 standard set forth in the contract of 3%. This was concerning to me because I kne\\ if
27 Plaintiff later \\as unable to qualify for a loan or \vas umvilling to proceed \vith the purchase
28 of the Property. she \\ould have a relatively small amount of liquidated damages in
.:+ that \\e obtain a pre-qualification letter from Plaintiff. LibO\v maintained that a
5 prequalilication lett~r \\ould provide ~xtra assurances that Plaintiff would have the linancial
6 ability to purchase the Property. Therefore, on September 7, 2004, Plaintiff informed Libmv
9 Plaintiffs mortgage loan broker (not Iter lender) \\herein he claimed that Plaintiff had been
10 "pre-qualified to purchase a $1. 700.00 home with 8011 Oil 0 financing." True copies of the
II document purporting to be Parks' fax cover sheet and pre-qualification letter are collectively
12 attached hereto as Exhibit C. At that time, I believed that Plaintiff had been pre-approved
13 by an independent broker. In reality, Plaintiff never disclosed to me that Parks was her then
14 liance'scousin.
15 8. I \\ould later discover that Parks' signature on the pre-qualification letter was
16 vastly different than the signature I reviewed on Parks' declarations Fl1ed in this case. In
17 order to make a valid comparison. I compared Parks' signature on his October 29, 2006
19 the pre-lJualilication letter and on Samaan's original Uniform Residential Loan Application.
20 Based on my revie\\ of those three documents, I cannot be sure as to \vhich is the correct
21 version of Parks' signature. For ease of reference, r prepared a chart to compare those
22 signatures side by side. Even a cursory review of those signatures reveals that they arc not
23 similar. and therefore, I do not know which is the correct version. Therefore. I cannot
24 ascertain with any certainty \vhether Parks actually signed the pre-qualilication letter. A true
25 copy of the side by side comparison signature chart along with a copy of the supporting
8 10. I have conducted discovery in this matter. including subpoenas to Mara Escrow
9 Company. document requests to Plaintiff. subpoenas to Countrywide and subpoenas to
10 Victor Parks. However. to my knowledge, no document has ever been produced through
1I discovery that indicates that Victor Parks actually reviewed Plainti tTs written application
12 and credit report as he \vas required to do by section 2( G) of the Purchase Agreement. In
13 fact. in Samaan' s deposition she even stated that she had never spoken to Parks regarding
14 this loan transaction. See. ~ 37. Exhibit T 41: 18-19.
15 The Counter Offers
16 11. On or about September 10. 2004. I submitted a counter-offer to Plaintiff
17 (Counter-OITer No.1). A copy of Counter-Offer No.1 produced by Plaintiff in this action is
18 attached hereto as Exhibit F. The tenns of the offer. among others. increased the purchase
19 price to $1. 718.00 and provided for an initial deposit of 3% of the purchase price or $51.540.
20 12. On or about September 11. 2004. PlaintifT accepted Counter-Offer No. 1
21 subject to the terms of Counter-afTer No.2. which she purportedly attached to her
acceptance. Counter-Offer No.2 incorporates by reference. in paragraph 1 the terms and
23 conditions of Samaan's Initial Offer. The materially different terms of Counter Offer No.2.
24 provided for an initial deposit of $15.000 to be deposited \vithin three business days of
acceptance and an increased deposit of an additional S 15.000 to be deposited \vithin 14 days
26 of acceptance.
27 13. On September 15. 2004. I accepted Counter OtTer No.2 by signing Paragraph
68 / 745
Declaration of Joseph Zernik
-4
Court File: "Volume IV Continued" Case l\io. SC087400
Samaan v Zernik (SC087400) Los Angeles Superior Court
Plaintiff initialed the "Continnation of Acceptance" and facsimiled a copy of her
-l contirmed"A copy of Signed Acceptance was personally recein:d by the maker of the
5 Counter Offer. or that person's authorized agent.·· In other \\ords. Plaintiff conlirmed that
7 l-l. Through recent discovery in this matter. on or about June 8. 2007. I obtained
9 received sen:ral documents that indicate that from the very beginning of escrow. Plaintiff
10 refused to abide by the terms and dates provided in the Contract. Indeed. I learned that
II Plaintiff did not attempt to make her initial deposit of $15.000 to Mara Escrow until
[2 September 27. 200-l (7 days after she was required to do so). I also learned that when she
13 presented a check to escrow. pre-dated to September 24. 2004. the check failed to clear due
l-l to insufticient. Unbeknovvnst to me at that time. Plaintiffs check l~lilcd to clear. due to
15 insufticient funds. on two separate occasions. True copies of the documents indicating the
16 many attempted deposits attempted by Samaan as well as the declaration of the custodian of
18 IS. On October -l. 2004. after Mara Escrow contacted Plainti 1'1' regarding the fact
[9 that checks failed to clear due to insufficient funds. Plaintiff presented a cashier's check for
20 the initial deposit. However. by October 4. 2004. Plaintiffs initial check was already /4
21 days late. And. Plaintiffs second deposit of $15.000. per the terms of Counter Offer No.2.
22 was also overdue. f ler second deposit vvas due within 14 days of acceptance or on
23 September 29. 200-l. Plaintiff did not actually present ha second deposit until October 12.
16. Throughout the escrow period I was unaware of the problems Samaan was
26 experiencing in obtaining a purchase money loan for the Property. Alter Plaintiff tiled the
27 instant action against me. I sent several subpoenas to different Country\\ ide entities. In
28 response. I received several key documents that indicated that Plaintiff \\as never approved
3 subpoena of February 8. 2007. \\as Country\vide's Clues Analysis Report (the "Clues
4 ReporC). I am informed and believe that this document \\as generated by Country\\ide's
5 internal loan anahsis sothvare. The Clues Report of October 14. 200,+' indicated that
6 Plaintiffs loan application had drawn several read !lags. In particular. the Clues Report
8 Loan The max loan amount is $1.000.00 on Non-Conf ARM Fixed Period · In other
9 words. Plaintiff had applied for the wrong type of loan. She applied for a reduced
10 documentation loan program. but she exceeded the maximum loan amount. Therefore.
II Plaintiffs Uniform Residential Loan Application was completely invalid. The Clues Report
12 also indicated that because Plaintiff was a real estate agent rcpresenting herselt: she was not
13 allowed to usc any commission earned from the sale of the property towards any down
14 payment. closing costs or reserves for this transaction. True copies of the October 14. 2004
15 Clues Report produced by Countrywide. along with the declaration of their custodian of
17 18. Through all of the discovery conducted In this case. Countrywide and
18 Plaintiff have never produced a loan application from Plaintiff with a date after the October
19 14. 2004 Clues Report. Plaintiff has presented no evidence to suggest that she ever
20 resubmitted a valid Unifonn Residential Loan Application (Form 1(3). Therefore. she was
23 resef\ es required for the loan she applied for. As a result of Plaintiffs invalid loan
24 application and her lack of adequate reserves. the Clues Report made a REFER
26 20. Country\\ide also produced an Undenvriting Decision Letter dated October 14,
27 2004. In letter. the duly assigned underwriter. Diane Frazier. indicated that Plaintiff needed
28 to resubmit valid Uniform Loan Applications. Form 1003. with the correct interest rate
! \\ords. Plaintifhvas required to suhmit a ne\\ valid loan application based on a different loan
3 program and different applicahle interest rates. A true copy of Country\\ide's Octoher 14.
5 deposition. as Exhihit 1.
6 21. The October 14.2004 UndenHiting Decision Letter bears a facsimile header in
7 the upper left corner \\ hich indicates that the document was received hy someone (it is not
8 clear who received this document) on October 14. 2004. It is not clear who sent the
9 document either. This version matches the version produced by C ountry\\ ide. see paragraph
10 22. This UndenHiting Decision Letter indicates that Plaintiffs loan application \vas
11 suspended on Octoher 14.2004 and that it would be "closed for incompleteness" if Samaan
12 did not satisfy the conditions set forth therein. One of those conditions. clearly stated that
13 Samaan must submit a valid Uniform Residential Loan Application (Form 1(03). Samaan
14 never did. Nevertheless. this document sds forth no less than 16 conditions Samaan was
IS required to fullill.
16 22. Through recent discovery. I also discovered that Plaintiff had made several
17 material misrepresentations in connection with her loan application. \vhich also caused her to
18 meet resistance when she was purportedly trying to obtain a purchase money loan for the
19 Property. Indeed. on Plaintiffs loan application she indicated that she \vas unmarried, even
20 though she was actual1y married in September 2004. Plaintiff had also indicated on her loan
21 application that she was self-employed and received no other income. despite the fact that
23 indicated that she had been at her job (presumably the self·employed one) for the past four
24 years even though her corporation was fonm:d only a year earlier. Plaintiff also. among
other things. misrepresented that her main asset was Spellbound Corporation. \vhich she
26 valued at ~500.000. The documents produced by Countrywide indicate that they asked her
27 for a copy of Spel1bound Corporation's Financial Statement. but those same documents also
28 indicate that she never produced such a statement. True copies of Plainti ff s loan application
I hereto as Ex.hibit K.
3 23. Parks signed Plaintiffs Original Uniform Loan Application at the bottom of
4 page 3 in the space provided for the int~rviewer's signature. He indicated that he
5 intenie\ved PlaintitT by telephone. Yet during Plaintiffs deposition she testified that she
6 m:ver spoke to Parks about her loan application. See, Paragraph 37, Ex.hibit T, Samaan Decl.
7 41: 18-20.
8 24. During escrow, PlaintitT never disclosed the very significant problems she \vas
9 having obtaining a purchase money loan for the Property. Instead, she consistently
11 25. Plaintif[ through Victor Parks, made the follmving representations to Libow,
13 • September 28, 2004: "th~ loan for Ms. Samaan begun today!! We've ordered
escrow, title & appraisal and estimate final loan approval within I() days'"
14
15 • October 5, 2004: "We \vill be ready to submit for loan approval tomorrow"
16
• October 7, 2004: "Please allow 3 business days for loan approval"
17
• October 8, 2004: ··.. to notify you that Samaan loan has been submitted to the lender
18 today. Please allow 3 business days for Loan Approval.
19
• October 15, 2004: ..... received your message yesterday afternoon and checked
20 with the lender. The Samaan loan is still in underwriting and should be approved
21 by Monday [October 181. 1"11 contact you if we get approval any sooner'"
• October 18, 2004: "We have conditional loan approval for the Nivie Samaan loan.
22 We are in contact with Ms. Samaan for the borrower conditions and escrow for
some items needed from them. We should be in a position to order loan documents
23
when the appraisal comes back from review by the end of the \\ eek lOctober 22.
24 20041'"
• October 19, 2004: Parks Statement: " ... the loan is approved ....' "r should have
26 the [appraisall review due Friday [October 22,2004] ... ··
27
• October 22, 2004: "We're experiencing phone problems, so \ve haven't been able
28 to receive call or faxes ..' "I spoke v,ith Countrywide a fe\\ minutes ago and they
True copies of these emails produced arc collcctin:ly attached hcn:to as Exhibit L.
26. fhe true facts regarding Samaan's loan application are vastly different then the
5
factually incorrect information Parks provided in his emails. Indeed. in Parks' own
6
declaration he contradicts his earlier cmails \vhen he declared that he did not submit
7
Samaan's loan application until October 12. 2004. Thus. the first four statements above
8
were absolutely false. And. the documents produced by Countrywide contradict Parks'
9
statement that he did not submit Samaan's loan application until October 12. 2004. because
10
on October 6. 2004. Countrywide \vas already conducting an investigation of Samaan based
II
on her suspect loan application. Indeed. in response to a subpoena [ served on Countrywide
12
Home Loans. Inc. (and its artiliates). Countrywide produced various documents. One of
13
those documents \vas a print out from smartpages.com. which indicated a reverse number
14
look-up from October 6, 2004. A true copy of the print-out Irom smartpages.com. produced
15
by Country\vide. is attached hereto as Exhibit M. Again. this document was created by
16
Countrywide prior to the date that Samaan claims she first submitted the loan. Logically.
17
this October 6. 2004 smartpages.com print-out \yould not be in existence if Samaan had not
18
already submitted her loan to Countrywide by October 6. 2004. In other \vords. there \vould
19
be no reason for Countrywide to be investigating the facts underlying Samaan's loan
20 application on October 6. 2004. if she truly (as Plaintiff falsely contends) did not submit the
21 loan application until October 12. 2004.
22
27. By October 14. 2004. Samaan' sloan appl ication was suspended because she
23
did not submit a valid loan application (for the correct loan program) and she did not satisfy
approximately 14 other conditions. Thus, Parks had no reason to represent that to me that
Samaan's loan \vas an~ \\here near approval. Indeed. in Parks' declaration he states that ··on
26
Friday. October 15, I learned that tht: lender. Countrywide. \vas suspending a decision on the
27 loan ... " In other words, Parks stated that he learned that the lender had suspended a decision
28
in the loan. yet at that time he was misleading me into believing the loan \\Ould be approved
.
for mv initials or siQ.nature. Further. even if Parks' statements are taken to be true for sake of
~
3 argument (they are not true). on their face they shO\\ a pattern of 111 isrepresentations and
4 delay by Parks and Samaan designed to induce me not to cancel the contract at an earlier
5 date.
6 28. [n reality. Plaintiffs loan had not been approved on that dat\:. \\hich is sho\vn
7 from that fact that on Octoba 25. 2004. McLaurin issued a referral of Plaintiffs loan
9 request. In the exception request Plaintiffs income is handwritten as $33.333 per month or
10 $400.000 per year. However. in the Exception Request report prepared by Gadi. there is a
I1 notation \vTitten by Kristin Ortin that "'Borrower's Income Should Be $33.333 Not $333.333,
12 which suggest that when McLaurin submitted the exception request she did so on the false
13 basis that Plaintiff had an income of $4.000,000 per year as opposed to $400.000 (a large
14 amount under either scenario for a cosmetics saleswoman). (Jadi placed various conditions
15 on Samaan's loan approval. none of which were disclosed to Zernik until the instant
16 litigation. Gadi added. among others. the following conditions to Samaan' sloan:
17 • The adding. 75% interest to the loan. as had been previously been determined by the
undervvriter who wrote the October 14,2004 Undervvriting Decision Letter.
18
19 • Samaan was to submit new and valid loan applications (form 10(3).
20 • Samaan would have to abide by the conditions and decisions previously stipulated
by the October 14. 2004 Undervvriting Decision Letter.
21
25 There is no indication from the documents produced by Countrywide that Samaan's loan was
26 ever approved. Nevertheless. Plaintiff continued to induce Defendant not to cancel. when
27 she state that the loan either had been or would be approved in the ncar future. i\ true copy
28 of the WLO Exception Loan is attached hereto as Exhibit N.
74 / 745
Declaration of Joseph Zernik
-10
Court File: "Volume IV Continued" Case 0io. SC087-WO
Samaan v Zernik (SC087400) Los Angeles Superior Court
Samaan Failed to Remove the Appraisal Contingencv in a Timely Manner
29. Paragraph 2(1) of the Purchase Agreement required the buyer (Plaintiff) to
remove the loan and approval contingency \vithin 17 days of acceptance. Plaintiff chose to
ignore this deadline.
5 30. On October 18. 2004. after I had been more than patient in waiting for Plaintiff
6
to remove her contingencies. I gave the plaintiff 24 Hours Notice to Perform provided for in
7
paragraph 14 C(1) and (4). A true copy of Notice to Perform No.1 is attached hereto as
8
Exhibit O.
31. Tvvo days after I issued the Notice to Perform. in Plainti rf s letter of October
10
20. 2004. she absolutely refused to remove the Appraisal Contingency by stating that she
1I "\\ iII not remove the appraisal contingency until I have received the lenders (sic) noti fication
12
that the value of the home is justitied.·· A true copy of Plaintiffs October 20. 2004 letter is
13
attached hereto as Exhibit P.
14
32. Consequently. on October 21. 2004 at 11 :30 a.m .. I cancelled the Purchase
15
Agreement and escro\\-. I cancelled by sending a letter to Plaintiff: Mara Escrow and Libow
16
wherein I indicated that because Plaintiff had failed to remove all contingencies in a timely
17
manner. I \vas electing to cancel escrow. A true copy of my letter of October 21. 2004 is
18
attached hereto as Exhibit Q. In Plaintiff deposition. she admitted that she received
19
Defendant" s cancellation on October 2 L 2004. Sec. Paragraph 37. Exhibit T. Samaan
20 Di:claration: 68:20-21).
21 ., .,
..u . Despiti: the fact that I had already cancelled escrO\v. Plaintiff chose to ignore
22 the cancellation and continued to try to negotiate \\ith my hroker to hm e me reinstate
23
escrow. Howe\er. made it clear to Parks and Plaintiff in an email of Octobi:r 22.2004. that
24
the Zernik had already cancelled the contract. A true copy of LibO\\'s October 22. 2004
email. obtained through discovery in this action. is attached hereto as Lxhibit R.
26
34. Nevertheless. Plaintiff unilaterally chose to ignore my October 21. 2004
27
cancellation. Indeed. on October 25. 2004. long after I had cancelled escrow. Plainti 1'1'
28
remo\'t~d the appraisal contingency. Her removal came 23 days after she \\as required to do
") notice to perform had expired and 4 days after I had already cancelled escro\\.
3 35. Nearly three years later. Plaintiff is still actively trying to crcate a nc\\ \ersion
4 of events whereby she now claims that there \vere facsimiles exchanged on October 25,
6 36. I attended a portion of thc deposition of Michael LibO\\ on March 30, 2007.
7 Aftef\\ards. I requested and received a copy of the Certitied Transcript from Abrams. Mah &
8 Kahn Reporting Service. Attached hereto as Exhibit S is a true copy of the following
9 portions of Mr. LibO\\ 's deposition testimony: page 49, lines 16 through 24 and page 5]
10 lines 6-]4.
I] 37. As a party to this case. I also obtained a copy of the deposition transcript for
12 Plaintiff Nivie Samaan from July ]0, 2006. Attached hereto as l~xhibit T is a true copy of
13 the foillming portions of Ms. Samaan' s deposition testimony: page 14, lines 6-] 6, page 4 L
16 produced a version of the contract bearing my initials and signatures on Samaan' s rnitial
17 Offer. That document arrived at Countrywide on October 25,2004 at 5:04 p.m. A true copy
19 39. Through discovery I conducted in this matter. I obtained a copy of some of the
21 agreemcnt \vith Libow on July 30. 2004. Copies of those disclosurcs. as produccd by rjbow,
23,/
24
25 / I /
26 //i
27 // /
28
- - - -----._-- ----
5 Respectfully submitted.
10
.
Attornc\ In Pro Per
11
12
13
14
15
16
17
18
19
20
21
22
23
24
'1
..::.)
26
27
28
Facsimile Transmittal
To: \Iichael Libow Fax: J 10.278 .. 9.34
ee:
Notes:
Hello Michael. This is a ?lJrdwe for my persunal residence. Please call me should you have any
questions. _
•
~--~------- --------
Nivie Samaan
Ot1ice 310.8493816
Fax 323.843.9378
E-mail: Nsamaanl~aol.com
78 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
l~
~- -- -- -- -- -- -- -- -- -- -- -- ~-
. ?: .-,,~ ...... '
Facsilnile Transmittal
cc;
~----..: ..,.
Notes:
79 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
'Se1' 07 04 05: 12p P:-1G SO'! 271 7815 p. 1
FD013
N~""""!i"5; 2
From: Victcr Parks (,nciUdlO:J Gll'l'H)
Hello Mr Llbow:
Ms. Samaan has been Prequalif;ed for an 80110/10 J'.lmbo 5/1 Interest On;y 1~ mortgage at.1 375 %
ro
and a 4.5% Interest Only 2 mortgage. She has excellent credit {748 Fico), good income-to-<Jebt
ratios and over $200.000 in verifred liquefiable assets,
~espectfully,
Vir.ior Parks
80 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
07 04 05: 12p 50~ 271 7a~5 p.2
N :v i(: Sa m::mn
l),:;:lr N i \I i l,;;
11';lI1k you Illr ll~ orr0rillr 1ity ltl rr'l,r<;~si<l!lally ~,~JV'· )'OU. Ollr
"me.... h;l,; r-:,;<;wcd y"u r Ille<IIllC.
cn.-diL. and SOllrce or l"tlnt1li, and wc're happy l!) C(11llinn that y:lU'VC
boxn prc-qll~lil'i~d to plln..:h'I~"" a
$1.7t1Q.OtlO 110nle with /lOll 011 0 linancin g. This Pf~-qlL:llific"tiol'l
il: ~uhjcct to written vcritical ion
:I11U fllil :lppl'~w .. 1 {"nlill "\I" und .... rV>'l'ilillj.1. dl:p;\r1l11cl\l.
My tcam ;lnd I :m: dedic,tle d lo ~i\';nr. you the hcs[ ~crvicc. ,uj1ro
!1. and [Jrnduct ilnywf,c rc! We ,Ire
,lUI' r... vd (,I' ",cnlj~(; ;md (;(lllll1liIIllC'lli .'L"'ClllIJ
"""liue'l ll lh:1l YOU wi II lilld
III IWHl':
!'~l~.k r('rward 11' w(1rkill~ with you to :l succc.",sful cln~c (,f I,;scr~JW,
Shl'liid y...." desire Cldditi'1fl:d
inl'orll1:llion. pI.;;,.,.; [;;1:1 IfIX hl t:\)lllad Jll .... ;,t: (8l1~) 575-5693.
81 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
PAR/('S MULTIPLE ~~IGNA1'URES
THE REAL VICTOR PARKS? THE REAL VICTOR PARKS? THE REAL VICTOR PARKS?
I
CtHII·t Filings Uniform Loan App (1003) Prequalification Letter
i
I ... '.....
-"._- '~Ao,d __ "~,o~,,
I otL 1'1(] .J' '" I~ I . . . I 1.,",1
I ,,' ..
I ' 1 ;
I
I -_. ! "·C."'.. ,,-J.i_
,~ .J.
-", ,. ')"'.
J .. ~.
i
i I
'-=::':,,::~'C,'r:'~ I
82 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
I'~ LASERJET FAX
6'~-223-2239 ro· 7
Oc~ 27 2006 11:5BAM
1 Contingency by October 11. We had one fuU week before the deadline for close of
2 escrow. It would have only taken a few days for the loan documents to be prepared.
3 Based on my experience I believe that the parties could have closed escrow by November
4 1,2004.
6 I declare under penalty of petjury under the Jaws ofthe State of California
10
\
11
12
IJ;n
!..)/
Victor Parks
13
14
15
16
17
18
19
20
21
2'_
L:5
24
I "
( .
25 , )
26
27
~-"" , •.-<- : '
28
I __~-7L.:.-'--
i =c-:=;:-::-;-;==~~
I
W02·WESTIMMKI\400111BI.I
~ ~:-=-~~~=-===--=--:-=
DECLARAll0N OF VICTOR PARKS'
83 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
unifort Residential loan APitcation
Th,s app:ic.;.~oo Is desl;ne<l 10 b!l alm~.d ttl lh9 appfu:il.,i[$) 'Mill ne Lend~s a,s$i$tanc•. Ajlpl;<:anls silould """'1',& t1'J' I""" as 'B=.vef cr "Co-Bom:wer". as
JppiClble. eo.8orr~lIer Inlc""".on Jr.,,"
also be p~<led (and 1M app~priale box ehedcedj when 0 L~. hCl:mo or .sse\> cl • pc""" clller L'," L". 'Borrow¥'
~.nc:lud'ing the Bol'1i::J'ol"us !;poJsa) \'.111 be us-od ai I) b.lSis forloa:1 q~.cdt1on or 0
L"'\a incame O! ~ssets ofU\e 8o.1"Qvmr'& Sp0u39 Will not be used 3$ a baSl$ for Joan
q\Z'.iuion, but hls orner r:~i.:.2S must be consJdtred becaus.e the B~Ireside.s In neomrfllruty property ~tnte. U1e security p:"Clperty 1& located 'lfl a ccmm~!ty
OrtlP<1lY .WI., or l"e BOmlWl!r Is lelf"'; cn otl\ef property locoled In • e<>mmlJl1!1yoropOJ1y sIol8 as a ba>1' 1<>: "'o,.,"'erTt ol the !oiln.
: 1. TYPE OF'MORTGAGE AND TERMS OPLOAN'
1','M9'G' OVA Lo.1::1er case Numcer
APOH,d for. 0 Ff'.A
Sam...n
S
1IU. w:I be held in \'011,1 Name(s) Nivle S.m.an Estate wiH be hWd 1n:
Fe. Simple
Source or OO\-Wl-'P"'."'yme=n""I.-;se=IU"'"",=.n"'t"'Cc.:-h"'=-='ll""cs:-:-:a"cn'"dIo"r"'S"'u""'b"'Ofd=""'-;I-''''Fi~Itl-ano~'n-C''''(C-'P:-:tn''In",},--_-L_-----------~n Lcus8hcl~
Chac}dng/Savlngs (~~lQ11d,)'.e)
Yf"'... S:;tIOol
OCT 12 20D~
SOrTowtr ENT INFORMATION
Nome & Add.... 01 Eropl~/or G'J Soli Employ<>d Yrs. on ~~Js JOD No"", & Address of Employor
4 yr(5)
SpoObound Enterprise. lrrc.
Yrs. employrl1 In lhii y~ omployed hl ttu;
1J3 5. Peck Drive, Suite 104 t:nt of vlOr)rJPrQr~l.on tM of wortJplofes.s1on
Beverly HliIs. CA 90212
20
Bu~n£!Ss Pho,," (.net. area code) IB\!;ines:o Pl\t),"le (~n:::I. area COd~)
President 323-655"5654 I
II employed /" "JmUlll po>iUoa for f~ (/r4JI two years orHcurrondy ompklycd In more thll!lon. PQJ/Uca comple/etile feUowing'
o o
,-'
Name & Mdte.SS or Emplcyer Se1l Emoloyad !Dales (Irom-Io) Nlllne /I Addle.. or Empl""", self Emplo)'ed 03.t!!~ (lTcm-IO}
N;lme S AddrMS of Emp;oyer U Sell Eml'lo;~'; Dales (11Otll-lo) INlll11e & Add"''' of Emp:",,,,r U sat EmoJoyed Oates (/rom·to)
M~ntrJy tnC-QmtI
,S J~~nWj~=-
:;J1:.:ucrmnelT:r;::e oI5iJ!i;jJes!O I B",IO"" ~Il<l"' (Inet area COUe) PO:iltJorJ'TlUefType of Bu::..me55 IBU";:,..., P"":lel.n", J,"" ceo.)
-,
84 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
I
GroSIi MonthI)' Income
33,333.00
Co--a orroM r
$
Totll
C<lmblned Monthly
$
Prosent
33,:)33.00 Rent
•
Houstng Espons&
6.299.33
I
~lh)IY-~~i'l·(in...~
oIll!/I:\:r.."'llt:~~ 0U1,r.
DC5crlbD 0Ulc.r income NotJcc: AlJmony, thUd auppcJt, Or ~(lp."'lIt~ namlOno1t1eo tncQ1T1e1 need not bD revui(!d II t11:ft
BOI'T'DWtT (8) or co·a~ {C) doc£ no1 c:.hoasuto h:l'IC: It consld~red for rtp;lying lhls J~
B,C I I
IS
Monthly Mount
Usl ehocJdng and &DVln£j$ lJcc-ounD beloW Name and address. of Company \S PaymsntJMcnths $
Name and addle5s of Bank.. S&L, or Credit UnIon WASHlNGTON MUTUAL BANK
PO BOX 1093
NORTHRIDGE, CA 9132B
~
FQ~amovnl: S SOO,DOO
Sublotll Uquld As,ots $ 293,422
~~~~~urrnJSepara1e MJt.'!1enance
1
\
IS
Other Assets [<\emile) is
Furniture 150,000 Job Retal!d Exp~se (child cara, union dllt!S, etc.) IS
Jaw91ry 100,000
Handwritten 1003
85 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~-~----------
Mcr.ijo,.
Payments
Insurance
\ MaJr..oronce. Net I
Taras &. Mise. Rer,:.allncorr,e
I I s
!
:5 S S
I.
I" S
,
II
r I
I I
I
I
$ ToWs S S S
Ust any DddltJonal namas und"rwhlch erodll has prnvlously beon l"OCI:ltvod OU1d Indluta apptoprlate ercdUor norneis) ;;!nO oce:oJJnt number(s).
]s Is
~lt':lm4~ tt1ma C~d1trJr Nama Aett.unt Number
0 [lJ 0 0
~
~
~
~
.
_
m. Loan amount 1,374,400.0D
j. Ant;W' U. S. dtiun? [lJ 0 0 0
(.<dude PMI, MIP, Fund:ng Fe. r,nonC»d), Il AI.)'OU • "'lTI\anent resident iClenl 0 [lJ 0 0
n. PMI. MIP, Funding F... M=d
1. 00 YC1,I1ntend to Q~CUrrJ U'lo propel1y as your pI1maJ'Y rtrildlJflc.D? li'l 0 0 0
I If ~~1.· eanpleto QIU!:::IiQn r:l bckw.
\m.Ha~a you nad Ill\00MlDiOhlp t.r.\lUC!O-t In a property In t1le l;utth.retl YCilfL.'? r::.:J 0 0 0
1,374,400.00
o. LDan amount (ada m & n)
i (1) WllollypO or """",,ily did )~" DWn1'Mop.1 ,esld= (PR),
~eond heme (SH), or lnvI.3urh~.1\t pt'OP!rty (IF)?
p, Cash fromtto Sorrawer 168,916.33 (2) M"" Illd;<J" he'" title ll> Ih. hem~""cly by yc=olI (S),
I'u~uact j, k, I & 0 from Q I Jolnttyw:Rl)'QlJT SPOU3Cl (SP), or .lctnttywilh onother pCfSOl1 (O}?
I
. IX. ACKNOWlEOGMENT' AND. AG~EEMEm:
Eat.''! 0, l./'lc unc1!r!1tlMd S;le.:Jr~ ~prt..S~"t1. to U'f'll!er nrd 10 La."lXh:lr":l ~I or po~ntla! Dogun::.. bnm:m;i, ~,.1:l0mcy;, I"IUre~, ~eNcerlt. ,uc:.e .. 0t!. nru:l ~UI~
~d i1;ree~.1nd OI:\:;t'l::M.l;cdg:IU thai: (1) the lnfo:maijon pn:lVde-d Lot L~ ~~l1an ~ wo Ilfld ~~l ~ of 1M d"~ '-Ct tanh oppo:ltQ my r.l;pul.ture ond tJ",0t1 illlY !"'-tln1:::nZlI O~
.. I
M!;lJgent mJ.!:rop~t\tIaon cI tnb l:-rforrnnt'on Q"~~ In I/lb Ilwueation flVI,~ rt:31JIt III ci..1 ~b;!lty, 1~l.idinU ;"onolD:ry tU:rn..tJgtl/l, 10 ony per.;.on wM m~y tUflar lfIy l.::l~ due lO
re!Janeo lJPon Qtl1 mi,repre.5l!nt1Ucn th;1! [ havo :T:a@on lhl..5 oppl:l:;;l~n. anrl.'cr ln ctfrr.inAJ penl!Jliu In::ua!n~. but not imad tl), fil\l!t at lrr.pl'\.5onmen.t or both undor thQ provi.t!c~
~ I q-~I~~x
x. INFOR~.lAnON FOR GOVERNMENT 'MONITORING PURPOSES
Tha foUow1r.g irJormaQall ISfeQuestC'd by thD Federal Government tor certaIn types of loens rela1ed to a o'Halling itlOt"d!r to monUDrtha lander'S corrp:fancowHh eq\..:.:J credit
OPPQrtun1tv,fa!rhousjr'lgandhomemortgiJ!)edi~cs\lmlav.";i. Yoo3renolrequJtedtotumI5htt.ul:lrormaUDn.buIGrecncoura~ed~odoso. Th~lawprovide~tl1JtaLBndarm3)'
:tl&alrnlra18 n~l~eron the baSi$of U'lis InfGrtJ\dUOC\ nor on \'Jh.elheryou c.'1cose to furnish), lfycu furnIsh lhelnformatlort, plea.e plovid::2 both etJu\:ctyW1d r.lce. For ;-acc, you
maycr.ea mo{\) ttl an onedeslgna'Jon. If,'Ou d')tlQl fu:m~h tthrtofy, race, orscx. tJndorFcO=taJrng ulatior.~, thls londer \.srequirBd to note ttJa Intonnatonon basIs otvisuai l/".,
Dbs!!tv'J~cn o:r '5UtI'1 amll.lfyou do no(w\sl'l totumlshUie InformaUo!'l, p1easechock \tIoooxbe:!cw. (Lendermu!.t rovl~ lheaboverr.BteJiaJ tonssamthirt ttl!! diselo;au:res Sd'JSfy
aO re':!.u;rements 10 \'l'hlch U".o lDrnter is. su'o,(!ct under 3ppticabie state la'H for the parti~lar type of \Oan ~plied for.)
BORROWER 0 Idl) 1'\01 ,vt,,, I:;) hunlifl ~ in'J,''TT1011;;n CQ..BORRCWER 0 I do net wish to rumlYl ~,:s 1:1fo:r.nQ1Jcn
Elhniclty: o H:1~~~ or Lllt.1j @1 Ne: H.,par.,: et La"", Elhnlelly: o Hispat:1c or LL1Jino o Nel H!.!ca:<k: 0; L.o~
RJec: OJ\t'r.(ll1c;lilit':1lanof o A.... OSl:!cXcr fQco: o \.rdian or
AItH:rica.n o lUI.., r::.:Js",", 0<
,l!Jou'l:;n Nattve AJn~AmC'~ ,AJ;nito,t;llU'vCf AfnQl'l Arr.of~"'l
Tn;.; app;jcaCe, was ta<en by: , vietQi arks PacIfic Mortgage Consul!an1S
310-275-5353
Handwritten 1003
86 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
50~ 271 79,.5 p.2
07 O~ 05: 12p Pl'lc.......
:":vic Sam:l,m
d:ry-t?-- s. Alfred Sln:cl
Los Angl<]c.:S-, C/\ 90035
RE; \'K£-QUALlFICiH10N
11';1111\ y(lll I'or II'll; (}fl~lrtllnity hI fll"\,r<;~';it\\laily ,;.:rvl: ;.'\HI. Our "fl'c.; h;J,; r.:,,;<;wcd y"lI r income.
cr\.-d't.- and suurcc or
(llnd~. <Jnt) w/,;'n; happy \.!) Wl\linn that you've.: been prc-ql!ulili~d [t} pllrcna"", a
$1.7t)(}.OU() IlOn1\: with 80/1 0/\ 0 linallcin~. Thi~ pl'~-q"alificllti<."ll'\ il'. ~uhjcct to written verification
;IIIJ 1'1111 :11'1"'(,..;11 l"1'l'1\l \\lI'" ulldc~l"itil1)!.(!l;P;\r1l1ll:nl.
My team :lrld I :.m: d~(Jic;tlcd III giving you the hc~[ <.crvicc. ~urr{"\r1.. and j1mduct <lnywhcrc! We :trL:
,;"nliJ"Il( Ih;Jl you w;U /il1d ,IIII' level III' "CIY'ii.:-= :lIld l:tltI1l1Iillll~,nt ,~Gl.:()tIJ III il<'lIl'l
! I(,\.ki('r....',,"d I,~ ..... (lrkilll!. WHh you to ~ ~llcccssful do~ (,f <,;scr(lW, Shl'ltld you desire additi,)flill
in)brJnali(Hl. p".:;!..,.,; 1\;1,:1 (rlX to ;;lltltacllll": .~t: (8~loIl 575-5693,
:'2~?~
Vic«(>r I':lel.;,
. >~?~'"[\1.1;1'-t<)n~·uiV'il~-r'-' -.-' "'--_." -,-,-'
87 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
::.LJ~r Re: Samaan Loan Approval
~ate 10/191200491 ;':43 AM Pacific Dayl:ght TnlE
From 'j1e-tcr@PMLoans com
fa fCljllbow@aol corn
Good :~vrnlng ~-1;chael. Regarding the b",r c01tlnge,ncy, you'll need to speak to 1'1:" San~aar) about It, i've
'n.f::Jrrred rer that although the loan is approved, :t's not ovEr until the :3Ppralsal review ,5 b3C~, A.s you know, If
fer some rea50n the appraisal IS cut, we don't,)dve a deal. That being Sclld, [Ou1trywlde is ve:y :]oad with
appra\~ais and it's been a long-time since I've had en a~pralsal cur I've revIEwed the camps and the va:ue IS -ve'l\
supported, cut trere's always t'1e possibility,
j s~ould have the review by F:ida'j WhiCh st;1I gives everyone ter\ days untH tre close of escrow. Please feel ~ree
ro call r:le "hOL:d YOlJ have any further qUEstions.
RespectiLlly,
"/:ctor Par~s
S" Loan Officer
PaCIfiC i>1ortgage Consul ton ts
lJietor:i,). Pr~ Loans,corn
318.275.5353 [ff;ce
~10_496.J256 Fax
From: ~1Jlibow@aol.com
To: Victor l..:prnloans com
Date: Mon, 18 Oct 2C04 21:01:40 EDT
Subject: R~~<lJl'laan loan Apj)r~
VICTOR,
IT W/J.,S ODD THIS MORNING AS i FAXED TO yOU THE NOTICE TO PERFORM MolD rHE NUMBER
TRANSFERRED TO NIVlE'S SECONDARY FAX LlNE SHE HAD GIVEN ME ARE YOU IN THE SAME
OF=-ICE AT GILLERAN GRIFFIN?? . PLEASE EXPLAIN WE DO NEED HER TO REMOVE HER LOAN
CONTINGENCY A r THIS TIME AND HOPE THAT YOU HAVE SATISFIED HE,~ ENOUGH TO ENABLE HER
'i
fO DO SO THE OWNER IS IN NEED OF SECURING ANOTHER PROPERTY AND CAN NOT 00 SO UNTIL
THE CONTIr--.GENCY IS REMovED WE I'\RE ALREADY DELAYED 0,\1 THE REMOVAL BY SEVt=CN DAYS.
M.CHAEL L'BOVV
88 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Subj Re: Samaan loan Approval
Da:e ·0119128D4
To Vv::Ur@PMLcans com
CC \JSamaan 1
V'CTCP.,
THE PROBLEM IS TYAT HE SELLER WILL LIKELY EXERCISE HIS RGHT -;-0 CAi\;CEL -HE CONTRACT AT
ThiS POINT. I CON'T WANT THIS TO HAPPEN. THE MAJORITY OF MY DEALS HAVE LOAN
CO,,-,T:,\JGENCIES REMOVED SUBJECt TO CER:AIN CONCITIOt-.S .',-tTS F,A.CE IT THE LENDER
COULD GO BANKRUPT PRIOR TO ESCROW CLOSE. ,THERE ~AS TO BE SOME RIS" ASSUMED BY THE
E3L YCR IN THIS C.A.SESHE l1AS AN EXTRfcMELY LOW DEPOSiT IN ESCRO\,'V (LESS THAN 2PERCENT)
AND i WOULD ",ND ,T l-'ARD TO BELIEVE THAT IN1TH YOUR TRACK RECORD AND ASSURANCES THAT
SrlE WOULD NOT BE CCMFORTABLEBY THE 'NAY. YOU NEVER RESPONDED TO MY QUERY
J<.80UT YOUR FAX. NUMBER FORWARDING TO NIVIES
MrCf1AEL LlBOW
COLDWELL BANr<E,~
PS. - AS I AM NOT AT ThE COMPUTER MUCH, I WOULD APPRECIATE A CALL FROM YOU ASAP AT 310
991-2689 MYCEL:"
89 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
SE~T BY: COLDWELL BANKER; 310 271 4834; SEP·IO·04 3:54PM; PAGE 1/3
A CONFIDENTIAl FAX
Michael J. Libow
To:
COLDWELL BANKER
)66 Norm Canon Driv~. Bever! HiUs, CA 90210
50013
90 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
SENT BY: COLDWELL BANKER; 3102714834; SEP·l0-04 3:54P~; PAGE 2/3
~
-
COUNTER OFFER No. 0 ~G.
,~
CALIFORNlA
(For use by Seller or Buyer.
ASSOCIATION
May be Uled for Multiple Counter Offer.)
Of REALl'ORSlii
co.", Revl.-i 4J(1)
~
(e_A.R. Form
RESlDENTJ.\L BROKERACE
O. The following attached ~ e n t .trw Incorporat.c:l In thIs Count..- on.r: :J ConlraC1Addendum No. ..' __ _ __ _ _
5.
____
" coomER OmR ON n<E ",.", ABOVE ANO
- Date
'1fl'D1J'
the cOrTlplellOn of .11 of thes8 QV8nts. BlJY r and Seifer shalf have no dulles or obligations till the purchase or sale at n", Property.
7 MULnPlE COUNTER OFFER SIGNATURE UNE: By signing betow. Seller accepts trlls Muntple Counter Offe1'.
t+OTE TO SELleR; 00 NOT sign In !tli. box unlil .tter Buyer signa'" paragl'1lph 6.) (Paragraph 7 applIes onlv 11 paragraph "Is ctH!cke<l,)
D~ n~ A~M
Dale Time AM/PM
8. I ) (Irlrtl;]jS) ACKNOWLEDGMENT Of' RECEIPT: The maker at the Counter Offer, or that pefSOn'S auttlOnled a'JAol as specIfied 11\
Dd'a'J.aptl J. (0(, ,f Ih,s 15" Muttlpltl Coun,,,r Otter, Ine 8uyer Or Buyer'S alJttlonzed ~nl as speaf'Ad In pa"'gr~n 41 ClCknowlOOqes reee,pl "f II
Slql'OO Copy 01 lt10s Counter Oner 00 (date), ill _ _ .~ ~AM/PM,
MASiER COpy
COUNTER OFFER (CO-l1 PAGE 1 OF 1) 50014
91 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
SENT BY: CCLO'WELL ~ANKER;
310 271 4834;
SEP 10·04 3:55PUj
PAGE :113
ZONI: DISCLOSLIRES, ADOlllONAI. OIS<',LOSURf. Rf.I'OIUS, PERMiTS. \ he LUne .L,d."ul' '''pon, to h., "b"ocd 1ft """,dAncc w,th ,he
prov,,,,,ns 'If ,he A",r""mcnr I'd! b< ob,,"nod ["nn I'wI'C1'Y I D U)A 1b~ UUK cii.c:lo.urc ""port to be provided unde, the A,i;rce..ent ,hall """'tt rho
type> of LOnO' aad u<:i1S id=tificd in ,n., Agffcmrn{ for whid- d..,d..sUR: i. rcquir.:d. Tb. 'LOne di,cl"'llrc "'PO" .ba.n b< co.uilkrcd. -.ub.utu'rd
dis<:los....o" (or pu'po-.a ofSdl,,.'• ..,d Krok'"' disdo.u,r .. fmC$C zoo•• or uc ... bur "'all no' ~ di.d<hurc obl.i&uio.. wi'tb ~rd to o,t..r
mQtt«1l. At r~rt uf lXtyer's iasp«tjottt.t.nd inYelfiptioon., &~r rna)" order 3cid,t.ion~ ",r.i"~u fCpCI'D. U 8ur~r'J, C"1:'pt1ls~, inchtded blJ.( not iiDl;[,ed
to other t)~ of eftU. l.onU-, ridiU, pcrmiu, ~WI final "PP(o..21s. 1f \hCfl:' de ~ny ~tH}.(lHr-.Ii lJdl1.. .. 0nli :\t rhe rr0J""t':'llY for whlth ol pcrnu[ or CLruh.lUt'
ot Oc.(Ur ... nc~ ""H nOr obraincd or I,I.h ..... h ,He llOC In ,:OrTlrli... nct' 'A'Lrh .. ppl;(abk ,_odc."l l.ud Pliler bws. BUY'(,f mJ.y he' rt:quircJ m iUCUI cxpcn'lcs ;lh.~f {hr:
(It"'~ or ~,,('row ra bTlllf; ,he "ropc:nv ~Il' to ~:urr~nl (;odt'~ .. n..:i Q1hcr appllc,ahk l.lwS or (0 dc:"llIolish (h~ liubjcct .1.ddltLOlH Bu\,cr ,bill h..l.VC the mlfllb<r ~)l
d,.. ~. s 'I "CClflc\j In the !\r:rc~m<;n[ to dil,Jvprll .. c tll ..... riting JO)" rcp<)rt ..... hh-h IS un.u::cc-rll .... bl<.: 10 Uuy~r, 10dlor n:ntov(" the ("(IIHIT1fCtl.;y <lHCk l..Jted wirh \.uf.-h
di,>,'{'prO\'..(! ugtll hr rhe mcrhoJ rTCJ1,:Jlk-rl,tl rh<""" l\gr<CQI<tIH
FL:R.."ACES. the' pJrpcs :I~ .J.Jvi~J rhar ~cni<lll t\lrnJU·s nunuf.t(.(wed by C0JLYlUJ.ut'd 'ndl.l"'~fle:, ... oj ~l{d unJe..-r 1o.lrioll\ Drl.nd l).,IfTl ...... ill C.JdOrniOl
t,d'\(.-:("n 1983 ~l\J ,9\)'1, h.J.\c l:w:coldcnlltICd.J..... ch..: ~.:.tUS(' qf tiro Bt()lc( rc,,:OJIlJncrrd,' rh,lt .w~· hrrTl;;ld.';<I the Prllp(:rtrJ,('ln"rxO(r~by.1 4U.l1i{lt'd profcs
:..wn.ll rot fll.-.rr IrdnrmJrj(ln. "':\~ljl~l r I~(' C.. llaurn::t Produo~ S..tLt). I, ~oJnml.s.sI(ln
J nNANCI~G, 11 cocr'rd, HUF' J<;'<C'> , .... 'JI'" cJ,"T Ii) J,.~, ,den 'CCq".OL'o: "f rh "ik, ru "1'1'/; ~'r liJT>nc,ng rhrQug1> , ("IJ"...II ftHiker ,j};)... ,<'<1
mOfl~~r Ll'JhpJny III Jell)Jd.Hkt' with :h..: tHl),.\sinfl~ot rLt' Ag~C'n\t"fH Th(" AppIK.J,Y\i,n 'hal, ht l\l:K.i~ .11 n" COS, lH obhg..m vn 10 lhc B\J~r ll.l\lC'V./Uf\Hl [\uyn
:.lud·'nrrzo ill\.' (,tddwell H..w kn AffrliJtt:J m()(l~"'I!(' ~ompJ.lI.r TO pr<,)Ct"t"J wllh J ,~prJlsai Jild finJ110:l.1I proc~slng, Bt..yn 111.i!.\' JI.~o Jppiy For tiu,HlCinf" \Io.Llh 'Hu.:h
Gd'er kntlUlf 'i, .•urc('~ .i'" Ouvrf wl~h(:.. ;lnd rt"t~11\J; the d\oj(:(' of knJlllj). sc..HlIC~ JIIl~ IOi.1l S.UhjCd f() lilt: {lille' renod.o; .. llJ Q~ht", PWVUlO(h In the A~rccrt\(.(ll
UI)YER'S Sl~ l\.."'EQ{ /E:..:.'l'T flU RCHASE. ll\ the ("'Ctll lh;5 (( .. n~.L r\'.l\l IS
rlf")( cOJldlidal ln~ ""lthln {ljOdh..(' ( I::') 'noner" t'ulh.lV.1I1f the J.m: DI t.lI~ uAcr Burt"
Of .U\V rcl.u.. d p.:-n.tlll .,ldlll~ dlrt;\ liy ()r "r-,n..' cmctlt tl) A<.qLllr< rht: Propeni' 01 ill)' imCrr5f In t~, Propr.ty hull'J. "l.clkr ('Jf )clkr 5
llldlft"tlir. excc.u,c::.... n
\Ul..lt""\\,}(~-Hl ld[er!:.'.l. BUYCl h.l"'rdH ... gfc'O (\..1 pJ. .... (rl Brokn lhe C\llt\lTIl:....... ioH . . p~C1tlt::J 11" (he Agll:ClllC'OC for Ih..lorpv'~~ of tl.i.~ '\gr(~rn~nl, {.1) ~rcl.HcJ pCr .....oCl·
\'l,,-:udQ ".n\~' p. r'tJl\ r:-1 . . \C\1 0')0 tlk\.lk..i, lll.l:-ntlgc or ll\1~lllC1S rd.lt1o!", .. fup, :i!}(j .v,~ .:'n(lt~' whi<..h (onHnl~ ('C :'..1 "tJllCrorJr-J by Bu·..er ut :In,. rdl~W ~nVH.
CXdIKltltF, Hrl1L:~~ hc'(... in. J/kJ ,S)l;l'~ C..'".l':':H,in-i/lrC't"eu·· .n...Judcs. wlchoul jimit"lflOft, .lIn' pawn of t'Jl;Il~' \\'hu.'h J(qll,!r~ rhe Plllpt"rry rruHI .... t'Uc- f , whclhn
[h:-nugh \llbr\tM,v or In.1l1untAh ll'Jrt .. kL 1nd.Jdir'\~ rorn'O~Uf~. flf hy npCTJI10l1 \II \"w
DOCl.lMI';\-'AllON COMPllA,'iCE rFE. Bu"c' .w,1 Sellcr .","o",kdg' t1lJ( f(,;~",I. )we ."J.'", Lo.. JI ~OVI'(l"n(nl,,] 'grlld,;> '<OJ,,,,t (.jd«Kl" "I
l ornpli.tJtu· '-'11thn:rU.lll r~ulJtt*'(l dl'.l"{o"ur~ .\nJ/or .r"r.l(1ncnC:J in /..:)"Huf)t_.'tion ..... irh rhe aJn""krof rc.J pwpc:rry Thc><, ll(',,-UrrKrH"":hll l l\::yuif.-mClf\ 1l~<:l\lJc bUT
.If<:' n.U( IllnJ«(d Ill. <..v:nl'll,,}lh:C w,[h fh t· hHtl~1l IOVC:~lIll~fH 'III ~~.d Propory T:v:: Au \[ I RP 11\) c...",l!dorOI:.J l )Ul ot 'Jl.l.t~ S(.llcr \X\thho&..IIJl{( :,nJ<1J\"l\, L..oc.1!
t',ovd f ll'I1C'(1( P~QF'<::rt! Rq)()1(. ~n""l,k(' l k~(", lOT .mJ \X".IfC~ f-k..lIC1· LOf1lpll.lIKC ~r lICrH{'f'.I\.. KctnJljl ( tJlnpl1.10lC (c,(itiulln/t, f{c.tl [<;("J.lt.' Ir . HI~f(r i )i~l(1",urt"
'H .... :CJ11t'~\\, ,',nlln( ~ Iv H11 ... Di ,\.'Io"urr Sl J.f('mcnr. I r.lJ.-B:t~{'J P~lIlt ni"""lo~alrl::s. EJ.rd\~u.J.J.:c ,..,fuy Di,r,.clvsurr, J.JlJ r :lvlwnlllcrHJJ K~l,lfili D·,~d{l$ur('.
illformOllIJOiJ /lro'vlul'n 41ndJo; f;0ltrfnmffil ..tgcn'itl mJ, [('qwre ~ddjlSon~t fl'CS .. lld (O\l
CJ\JlfORN't\. fAJR PUNo Buyer l.~ ~rt' rJur in,uunt.t: fOf cnl... in hlt!~idc:. Qrt:",nr·ronl. lnd bru)h rrnpCl"tln H1..l}· b~ ... .ulJ.bk <1111)' trom (:.. ld~)rni;1 ....(1 r
,1 .....
Ph'l. T!)1.) nl.1r 1J)(fC.J.i( (he' ~O~I 01 1I"d'tH.mU JOf .'ltuh J.H()p~rIJ(:S' :1nJ "o\.t:'J.1g" 111;,(; ~t' J;mu("J Bu ....er j~ .J.Q·>IJ~d [() cona~h WIIIl In ~.""'[l l/1 ... ul.l.nt-C ..tgC'nr
1':f.J.[Jl{I~ c.;LJ .....n,I~<:: "l1l]c'r (h( ("..UltornLJ. F')Jt PI... n .tnJ en .JI<J\V ,lp}Jro.lIl1Hcly tour :,1) wt"r:'k, trH pf'l\.: ...~~'IJ\~ ,"'\f J~l .... i'plh.•UI'1I1
H ISTOR'C.A!. CONSt:RV~.Ncr: The PrufXny m",y J~'d(')if'n.lreJ JS J h'UOnLJI },lIIJmJrk or be Ll(..;l.[~d In J rrull~'red ~}'''tlnrll..J lIHBU'\.HH f ..1rtJ wh) ... h
",-l'uIJ \~m\T. or (~~HlC( HHy('C', .JGdln.· Cd rcn'oJd vr ~k"cl()p ch(' Property.
AOOITIONAl. f_"IYIRON.\{f.N"JAl. HAZARDS. The- rJ.r(l~· .(:..: .1dv/sOl rh.H d.~ prncn......: of t.c.'f.ltn ~JnJ~ 01 m,,'IJ.J.. hJI'lSU\.l..", ,f orhcr or5·lnHlllS m,J~'
.l.Ihrr\d~ .IH..d d'~ frlJtKrr~'.J..nd f~lC hiC.il,h of ~JmC ,nd:'IJllJ.ls . Broker L('l·\J!lmKnJ~. ,fllu;'n h.l..-'> .:01'\( ~rn~ tr:I~.lr<i'n~~ ~hl; 15).J...... rh .. t btl,nor "OfIJlH.( hHThcr
11),pntir.(1'. h~ ,'''{U.,JLI~,'t\ I'r,.h:j'''''\''.tl y.,;d\\n d·c lim(' pcuoJ 'p",sit\eJ in ,::he r(; ... d~n(l,lt purcn.uc J~r<:cm~(lr (SICe oilu'(hcJ \'i<)\d DIKlo... urc AI.:JC'~fI'CI)()
OTHER.
r ,
II ....
______ ---. - - - flff(fc'5fJ.ll - ----
;L..-..
r..-"'..,.,.".1<I9'O'__
__ ~-_
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'1' oil 1"0.,\,,, , ~.I")c·.,,· . (-"J 50015
92 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
;r'
_j/f/ I> 1/1//1 (I
-.Y ------------ ~
1[-
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80025
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93 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
'/22'2804 15:~~ 3105567531
v'-. ...... c_1... 0 .... 1'11'\::,'""1 M.:.RI'. ESCROW
..,J' • ......
1 PAGE 82
310 27j 4634; oEP.
22-04 4:01PM;
PAGE 15/15
F¥ t r1ROn t l<ea. L3111 ~au1
SENT 8'!': COLOWE'L .. BAAKEIl; 310 271 4!34; St'P-1S·04 11 :3ZPLI; PAG~ 2(2
--~-~----------
---- -~-~_. -----
~- - - - - - - _ . _ - - ~
who. ,."",IAcT.z.~ \., r~c:- t t'<'r5:00. ~~.p u..o Z't~~ AI\or ~~e Co-.!'\Mr Ob ~ rn;lIOof, ~~bt 0 --_--~
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~~ur'_~tr.... y~ ... ~ I ' ~ _ _-
i L ~"I;"CCk""'11llkJL 11PU: cnU'lrER QFFFfl; 5e!1er ~ "..,1<1I1ll ~ ~ O:feftel 10 "1l41~\"l' 'l'GWel'll~ Cl~1 0' ~ !Il<lt """ g( ~
J ~,ot be: ,.. 3,;x(.".'f ot. 'f' tJ'Il$ COl.ill1t:r Oh1 ~r.A!t*lf\£!:e (r 11\~ COCIJltlef O"ftr By iJuf{eT IhaI rMIf be ~ I,J"~ QI'lo4lI U., II. B ,,~
I ~S"9"CiJ ~y ~Jcf 1 ~~f~gl~'.)t1 r t1Ql1fo..., -lro a ~"'F'JI o~ __ Cout'I'et' Q\"fgo( S'1'lI"od' i.Io P8Q:lUI')l't r ic g.erc.oiWIly ~c4 1'1)' 8~r QI Dv
A~ePT""CE, .lINe ~l't~ Co.-...o;< cor... «( e:t\. ......, n ~a.J1;C11"O 1'>1£ .'M""C~ COIJI'I'T£i> c;.<'f'11tI ,·4 - - .
,e"".",,,,,~~ ~ Lz.......-' D>Il: 0, ~tJi.T""" 0 01lU
; : ~·<c=q:=-_~-tr~ -,."'"' __ Cl OPtA
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~~"Je-ol'l"Ol\\'VC['l,,"Otl ...1 _l·~l b'l!\:'r' C3l'l"V''''''''.~ '9f}l1·1OO' ~l"~'" ~oe"'-T·.c"tH'l,1=oR,.. .. L~.!lfl "c. HJ.. flt,'r'fTS. Rt2""I£C·
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~
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C<> ""'-..0 '","HP"~' c· " COVNTEf: Oft,Eft (CO P .... c:c 1 ~ ')
50026
94 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
18101 Von Kam1an Avenue
Suite 440
Irvine, CA 92612
P: (949) 724-1711
F: (949) 724-1754
1. That I am the duly authorized custodian of the records for Mara Escrow Company
and that I have the authority to certifY the records enclosed herewith this declaration.
2. The copies enclosed herewith this declaration are true and correct copies
of the escrow documents pertaining to property located at 320 South Peck
Drive, Beverly Hills, CA; our File 1-34500-GH, as described in the Attachment to
Deposition Subpoena for Production of Business Records.
3. The records were prepared by persormel of the business in the ordinary course of
business at or near the time of the act, condition or event.
I declare under penalty of perjury pursuant to the laws of the State of Cali fomi a that the above
statements are true.
95 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
r .
mt
f I
9·~1
\I-f-1~m~a@JCSil®1J!.1!j 1Si~
~ co.
NO. 680.{)1
WILSHiRE 8LvD., SUITE SIS
TRUST RECEIPT NUMBER:
DAD
96 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
-"":' .. ;
\--1
, NIVIE
,"''!"
~ki~ ~: ALFRED ST.• -
\;~0CD; Gfr\'
\'..
00-"";;;;;
.~.':, .'.-'.
.
':-.' 1.·'~ 74 ....
~"'LOS ANGELES, CA . 90035·2534 " , '. ~
" ..... :. 'W:' ... ,'.. " . . 01, - - , ' ....
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..
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iIl;JI1Mutual. ':-."
,,,"n'~'IR"F1n"."'lc,nl"1405"
WoUhln D'l Mutual a.nk, fA
.,
~ ~.
I. ,,,","{,.--.- •. _
7:
m
. 461B Admlr.'llry Wi!.y. Sullo .100 1 uoa 10ea
',. • MOrfnD 0111 Rer, CA 90292 " . ~"I'\.uUJ Cu,LDrowf S,,.,Ic:, ' , 1'/ 7 - ~
J
p , ;_
OA~
(J 10)550'7-100
.,::.
97 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
· 'H' .......... \ ' ...... , "' .... ~ ...... ' ... , .......... ·'w ... r-. ....
?age 2 of 2
Non-Negotiable
Non-Negotiable
98 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~9915G2~3Y<U4~~1 0/ HtcV 1 111UO UljO"Ol'/"
iI!.~~QQJjOOCUMENI'UEtt~~~~HT..'tO:~~~~ilMARK~
.:lIiwashingtoni~u~uill:Il,allk.F~'" '.' ..
""l1ijOIfo!iJQGUMI;NLU"';;~S,lJQ<lLTQ"lIISWIil1lUE<WAI:E£lMAA~
.~ "",""
-.''' .1
.. : ,]
/~~'~6=. . .
~ ;
THE
'~~. ~lJ.s:oo.G.}--L
.
-",
Aur~,.O: ~'ZEi:rS. IGNAT~~E'::::,' ,.' ,'~~
.'
~ ,l .
ORDER fIG"
" .', ,
!.r. OF L I,. ,'. ',' , <:--:J
AEMIDER . " . -' , . , il
" .."cd by Integrated PDymOlltSvslDms Inc" Englowoo<!; C~I,or'do, WDlIs Forgo Bonk.lt,d,~.'l:'. ~D'.Angolos,' CA' NIN,E'~SAMAAH' c···.. '''°<''0 ::II
8
1/ 05l.0Bl;u
8
':.22037.7 I..: I;BOOOI; 3 cmQl:j 20 21/ 8
,', -.':: ~. .
o
~~~~~~D~@,
TRUST RECEIPT NUMBER:
64702
9401 WILSHIRE BLVD. SUITE 51S COMPANY 0680 OFFICE 0001 RJI 64702
~t:VERLY HILLS. C/\ 90212
ptD) !.:iSQ-7400
Nivie Sarnaan
~ Received
~ From
<>
u.
[
~ ] Casll [ l Check ) Wire Received Alter Hour [ ]
~ ) Draft [X J Cashier Chk J Money Order Benefit of [ X ] Buyer [ ) Other ] Seller
'\
99 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
. -~
~. .. '. ,. \ .. '
/~W'Cl@O(5l1@(1B;J <s®.
L~ co. NO. 6BQ-01
TRUST RECEIPT NUMBER:
64646
"0'BEVERLY COMPANY 0680
00~646
WILSHIRE 8LVD., SUrT'E 51S
HILLS, CAo 90212 OFFICE
DO
[310'550·7A.OO
. ;,.~ .-'
\.""
1
~
\
100 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
DECLARATION OF CUSTODIAN OF RECORDS- Evidence Code 1561
Records Pertaining to:
MEDICAL RECORDS
BILLING
RADIOLOGICAL FILMS/RECORDS
PHYSICAL THERAPY RECORDS
OTHER RECORD (S) PLEASE IDENTIFY: Loon I)c( UC/lcnl:s.
EMPLOYMENT PERSONNEL _ PAYROLL BENEFITS
CERTIFICATION OF NO RECORDS
After a thorough search was made for the original records demanded in the Authorization or Deposition
Subpoena for Production of Business records served on this organization, no such records were made
available to the Requesting party's Representative and/or Deposition Officer, respectively because:
, declare under penalty of perjury that the following is true and correct, and that this declaration was
exceut~ ,on "Vl /'
(date) leJ)· 8,8 OO--L at (place) -"--'...l...I..->"'-===...,.p~.l--
Print Name OJar iplQ Core'lC(
101 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
CLUES LOAN ANALYSIS REPORT
- CLUES
Expert System
Loan Report
This loan has been referred by CLUES due to the following reasons:
~ ~ [(0(/0(10 ~a-z,,--
Ability:
The information provided indicates a combination of layered risk
factors which may include insufficient liquid assets, high LTV,
credit history, and/or high debt ratios for the loan program
selected.
compliance - General:
A-minimum of 6 months reserves are required on the Non-Conf ARM Fixed
Period LIBOR Interest Only program. (18869).
The max loan amount is $1,000,000 on Non-Conf ARM Fixed Period LIBOR
Interest Only loans. (5998).
102 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Credi t Score:
Property Usage:
Property ~e:
Primary Res.
Single Family
72~
Appraised Value:
Purchase Price:
.' $ 1,718,000
$ 1,718,000
CLTV: 180.00%
other:
Obtain a sigped 4506 for borrower NIVIE S~~ prior to funding.
103 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
===~~================ GENERAL LOAN CONDITIONS
Based on the credit report obtained in CLUES, this loan must close on or
before February 07, 2005 a~d credit documents must be dated within 120
days of the closing date. For new construction, it must close on or
before April 08, 2005 and credit documents must be dated within 180
days of the closing date.
104 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Loah must meet all oth~published
requirements on occupancy, loan ba~
type, borrower characteristics and documentation type.
j
105 / 745
T_~_t_~l_Ab_I_~_~_~_~_~ -_-_-_-_-_-_-_-_-_-_-_-_-_-~-_-_-_-_-
Court File: "Volume IV Continued" __
Samaan v Zernik (SC087400) Los Angeles Superior Court
__
-- _
Borrower/Job
Nivie Samaan
•Salary
Income Type Amount
$ 33[333.00
Total
Sub-total: $ 33[333.00
Ratios:
The following liabilities were included in the Obligations:
P&I $ 6,299.00
Rent $ ~[390.00
HI $ 400.00
Tax $ 1[790.00
Total $ 12,899.00
MHE Proposed:
P&I $ 6[299.33
HI $ 401.00
Tax $ 1,789.58
Total D€ b t
106 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Item Total
Personal Expenses:
Credit - $ 956.00
HHE Proposed:
PITT $ 9,509.91
REO Expenses: $ 0.00
Note: The Total Debt of $10465.91 was used to calculate the Total
Debt ratio of 3l.4D% indicated in the Summary Section 2.0.
Details of Transaction:
Item Amount Total
Costs:
Subject: $l,718,QOO.OO
Existing
Subordinating 2nd: $ 171,800.00
Prepaid Escrows: $ 6,213.00
Closing Costs: $ 20,544.00
Sub "rotal:
Cash In:
Loan Amount: $1,374,400.00
'Other Financing: $ 171,800.00
Sub 7otal: $ -1546200.00
Reserves calculation:
Type Amount Total
----------------------------------- ~------------ -------------
Liquid ~~ssets:
The cash to close, in the amount of $198,557.00, was deducted from the
liquid assets.
~o SVOld hdving you~ submis~inn cloeed ~or lncomplvtenp'S9, any ~tems Ll~~ed
below c16 'Requir-Qd Pr ... oJ:' Lv App.ro"J&l' mU3t he recelved wirhLr: Ie da.ys ot the
d~~e ~hGwn above.
000I.. _ •• _2'~, 17
~/.lQ~~
n_
---~----~---
lUll
• 2 3 I • , •
111111.11
• 0 • I 1 3 7 3 7 5 0 0 0 0 0 2 C 2 eo·
108 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
,'j 1- 1, ~~:':f-_~;13;
ReqLli'ed
PdQ' To
SL 119,000 pr69r.a.m q'..Jld.lll1e ... :. cost til br ... ~, .... llt vt,Jt:J: ... :=ter
corp d1pp.lov4l
DOC1;..I:IIT S Of't::N 064- CORRE~,F~/SIGNEO 1003 tAT ~OCK-IN-RATtl
sho~
typ8 or bU~1r.ess
DOC1Jl'1E. N"'"'; S OP,t;N 10. OTHER CONDITION 6
Acceptdble VO~ cover~nq pr~3~nt re,l~ence, req'd for ~nd
fU!-lDI t-O('i OPf:N 007, "PPRA[$AL-ACCC~t"Bt.£ ~HL/NEN l\.PPMI$-'t. (MfN 'JAl.-S_J
if not. !vnOOld by 12/2 provide '" dClv~by ~)(t tl:1 "" rcce"L
FUNP~~G OPEl' OlO, APPAAr~A.:" APPRAISER TO PKovtDC CUAA.F.1fT L1CLNSE
PrnV'Ldt!' l'llso 4n ~dd~ti0!J.. I 1oQ>t of colQr photo.
rutlO;;NG OPl:.tI 0;:8. BROKER CERTlf'IChTION TH....T ALL COPIE:S ME TlloE AND CORRECT
FUIIOING OPEN 0-", HELOC - COP~ Of rIIlST MORTGAGE NOTE
Concurrent Glo~9 with 2nd . t S1'lAOC , prov~d. not~
ruNlHIIG OPEN 09J. INCOHE-COHPLETE/SIG~EO ro~~ 1~06 I 95-01
Fl.JtlDING ()PFN' 140. OTHo. ~(}NOrT:ON J
Co14~L~ $400 ~pprals.l f~eld c~vi.w tp~ tro~ b~wc I~ e~crow
I'loW\'AJ'X)t<,V
• UNOI'RWRlTlNG OCC~rnoN L~ I 110M
2G'll<>US (a1.o<)
50118
109 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
unifort Residential Loan Ap'cation
Th;, apP'c.1I,o.1 ~ d.'I;Md \0 b!l eomp1eled tJl1h9 app::eao\{s) 'Mill I'. Lend~s ass~taJ1ce. AppbCllJl!> should ~."p\el. (tJ' lo:m as 'BorrJ,,,,r oc'Co-Bem:wef", as
JPP"catll~ Co-6orrO'o':e: i"fcrmalJ~:1 rr,u':i1 nlso be prnv\~tXt {ana tt1e a~pn:priale bat c.l",ecked) when 0 l/'I<1 l1c:::ml:! Dr assets of D perso~ c:.hN L~fl.!1 t.,;:! -Bonllllre:"
;Lndu:tn{l !t·o BorrtJ'o\t:r's SPOiJS13) \'.111 biJ u!>C!d iJ.:ii a bJ.5~ br loa:'1 qiJahr:Cdt;on or 0 lJ'\a in:;.ome rr. i)ss.ct~ of the Ba.TO~r'5 Spau~9 ",",II not be l..J~!'.d as J tiJSis. for loan
qt;;:~ific,.~.on. but h~, orner ::ab:1lu::s must be consIdered t:ecause the Borrower resides lJllJ W'mmU:1l~ prcperty !:ti1:e. the seC1Jri:y P;o~~/I~ located If\ a ccmmur.lt)'
pruperty !>tate. 0; [,"1(' BO~~:5 rcly,n~ on o:hcr pro;Jerty 10000Lcd In n commur.ity prtlpCJ1yst.a1e as a ba,ls. {or n:paymcrrt It. the: io.lr:.
1 CostS
Tiue wi!! be he'.d!n "'hal Namo(s) N",le Some"" M.nner in ",tJch TiUe ",,0 be held 18;"'te will b. h.:d in'
An Unmarried Woman ,- Fee Simple
l1rccce=-a"r"'O-=",ccm-:C-;;P=.yme=:::nt=-.""Se:::,"'U"",=,:::n'"'lC"'h=''''-='Il=",-=-=-an:::di''''''=r'''S'''ub'''o=n;I::C Jl:::O'''\>;-Fi'''ID:::p=",,=ng=(c''''ll''1<l:::jn:::I~----L--'..--'.._----------:r=:J
"scc.cc Leu satmlj
ChecJ<lng/Sovlngs (~..J'W lU;;nUI(;Tl(l,l~O)
,..,-------===-------I;;;n~.
B;;-O;;-RR==O::WE=R;-'::;N·FO=R::;M~A-;;T::'O::N:;---------;Co:;-:-.;:;B-=-or:::,:::ow=cr:----'-----------,
c~e(l~r'~ NamD [Include Jr. Or Sr. Uappl::::.1ble)
yl"'.... S::.haol
g:
Former Adare1S (street. city. 6tat!, ZIP) No '(rs. Fonner Aodre!S (street. nl No Yrs
OCT 12 2004
Borrower ENT INFORMATION
N.JfOO eo Address of 8npioyer @J s~lr E.m~.O"jtd VI'S, on tMs. joo Nome ~ Address of Employe:
4yr(5'
Spallbound Entorprlse, Inc.
Yrs. cmplc~d ~ L"li~ Yr5. omplav,d In Ih.;;
133 S. Peek Drive, Sui~ 104 l,nit of v~rkJprolcs.sI::m tne ofwork.'pro!e.:::.UJI"l
Boverly Hills, CA 90212
2G
3u::mt'.Ss Phont: (;n::t a.rea cad!.')
Presid~nt 32.1-655,5654
f{ employDd in cummt posiUon forft" Ulan two yailf.S (Jr/r cummtly amploy~ In mo~ than "no pc~il,jon, complete tf;l! foIlcwil1!].'
Name & Aijjres, of Err.,!c)1" Q S<:lf Em_'o-{Od IDOl'" (from-Ia) I NlUTle ~ Addtl!.. 01 Emplmlor 0 Self Empi<r",d Dates (lrOr:"rto}
U Self Empio)"ej ~cl!e$ (f,"Om·t::l) iNl1rT1e &. Adjre~!. cf EJTlp-o~r o Self Employod O.t!>s Ilrum·t,)
I
r..:=,....,.,=,-,---;
~fJinthl'y l:1l;."HTit:l l ,I ~~I'\:.ruy lnccmc
P:)'::_LcnJ_r;_,.~_,e_rr_fP_'_C_f_E_'J:;_;;l_'_'_' riJ~n.-;;; PnC'" (InC! ,,-,"e.:O)_["Si,,,mMI". 01 BJ"'C:n~C5:::s--'---"18;c'J!:..nis.s p;}~.-¥.; (Ir.~ .•1'ra CCC~}
110 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
i ----I VI. ASSETS AND LlABlUTlES (conl)
Schc;1ulc of RCill80tJto Owned (if add,t:·::nal propel1.i~ 'Ire C"...mw, use con1:nu;ltiOn S:":eEl}
• --------------,
I I s s s s is s
1
I !
---~ >oj,
I
,
:,
LIst <lny addlUonal namos undor which credit has prn"lously beon rveolvod and JndleOlta approprlato crcdUcr nameis) \!nd account mlml:lCr(s)o
E I, :,
;uc.'T'ld:::: I\Lami'! Credltcr NJmc ACCOunt Nurrber
111 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
-- - - - - ~ - ~ - ~ - - ~ - - - - - ~ - - - - - ~ - - - -
Page 1 of 1
Hello Michael:
This e-mail is to inform you that the loan for Ms. Nivie Samaan has begun process today!! We've crdered escrow,
title & appraisal and estimate final Joan approval within 10 business days.
You look out for your dients everyday -- and so do 1. Our #1 goal is to provide our clients with unsurpassed
customer service, along with the best rates and programs available.
We're confident that you'll find our level of service and commitment second to none.
Sincerely,
Victor Parks
Sr. Loan Officer
Pacific Mortgage Consultants
Victor@PMLoans.com
310.275.5353 Office
310.496.3256 Fax
Hello Mk:hael We'.1 be ready to submit for loan approval tomorrow when the appraisal is in. Unfortunately, we
called escrow to fellow-up on our request for Instructions and prelim made on 9/27 and they're saying we may
not get everything until next week. If there's anything you Can do to expidite this. it woukl be appreciated. As
you're aware, we need these Items to submit for final loan approval.
Thank. you,
Vidor Parks
Sr Loan Officer
Pacific Mortgage Consultants
Vlctor(~PMLoanscom
310.275.5353 Office
310.496.3256 Fax
50029
113 / 745
aoout:blJIlk I()i27'2004
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
P:lge I 011
Hello Michael. We received the escrow instructions and prelim today. Ms. Samaan's loan wIll be prepared and
sent to the lender tomorrow morning. Please allow 3 business days for loan approval.
Respectfully,
Vietor Parks
Sr. Loan Officer
PaCific Mortgage Consultants
Vietor@PMLoans.co:n
310.275.5353 Office
310.496.32.56 Fax
50066
Hello Michael. This email IS to notify you that the Samaan loan has been submitted to the lender today. Please
allow 3 business days for loan approval.
Respectfully,
Victor Parks
Sr. Loan Officer
Pacific Mortgage Consultants
Victor@PMLoans.com
310.275.5353 Office
310.496.3256 Fax
50036
aboutblank
115 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Page I 1'(
Hello Michael. Received your message yesterday afternoon and checked with the lender. The samaan loan is stili
in underwriting Jnd should be approved by Monday. I'll contact you if we get approval any sooner.
Respectfully,
Victor Parks
Sr. Loan Officer
Pacific Mortgage Consultants
Victor@PMLoans.com
310.275.5353 Office
310.496.3256 Fax
50037
Hello Michael. We have conditional loan approval for the Nivie Samaan loan. We are in contact with Ms. samaan
for the borrower conditions and escrow for some items needed from them. We should be in a position to order
loan documents when the appraisal comes back from review by the end of this week.
Please feel free to contact me should you have any additional questions.
Respectfully,
Victor Parks
Sf. loan Officer
Pacific Mortgage Consultants
Victor:gjPMloans.com
310.275.5353 Office
310.496.3256 Fax
50038
Good Morning Michael. Regarding the loan contingency, you'll need to speak to 1'-1s. Samaan about it. I've
Informed her that although the loan is approved, it's not over until the appraisal review is back. As you know, If
for some reason the appraisal IS cut, we don't have a deal. That being said, Countrywide is very good wrth
appraisals and It's been a long-time since ['ve had an appraisal cut. I've reviewed the camps and the value is well
supported, but there's always the poSSibility.
I should have the review by Fnday which still gives everyone ten days until the close of escrow. Plea~ feel free
to call me should you have any further questions.
Respectfu Ily,
Victor Parks
Sr. Loan Officer
PaCific Mortgage Consultants
Vlctor@PMLoans.com
310.275.5353 Office
310.496.3256 Fax
From: MJlibmwiao1.com
To: Vlctorld'pmloans.com
Date: Man, 18 Oct 2004 21:01:40 EDT
Subject: Re: Samaan Loan Approval
VICfOR.
IT WAS ODD THIS MORNING AS I FAXED TO YOU THE NOTICE TO PERFORM AND THE NUMBER
TRANSFERRED TO NIVIE'S SECONDARY FAX LINE SHE HAD GIVEN ME ARE YOU IN THE SAME
OFFICE AT GILLERAN GRIFFIN?? PLEASE EXPLAIN WE 00 NEED HER TO REMOVE HER LOAN
CONTINGENCY AT fHIS TIME AND I HOPE THAT YOU HAVE SATISFIED HER ENOUGH TO ENABLE HER
TO DO SO THE OWNER IS IN NEED OF SECURING ANOTHER PROPERTY AND CAN NOT DO SO UNTIL
THE CONTINGENCY IS REMOVElJ WE ARE ALREADY DELAYED ON THE REMOVAL BY SEVEN DAYS
MICHAEL L1BOW
50030
ahoutblank 10/27/2004
118 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Page I of \
Hello Michael. ['m not sure if you've been trying to reach us today, We're experiencing phone problems, so we
haven't been able to receive calls or faxes, I spoke to Countrywide a few minutes ago and they state the
appraisal is still in reView, but they're going to try to get a verbal ok for me so I can inform Ms, Samaan that it's
alright to release the appraisal contingency,
Regards,
Victor Parks
Sr. Loan Officer
Pacific Mortgage Consultants
Vlctor@PMLoans,com
310,275,5353 Office
310.496,3256 Fax
S0034
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120 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
• Page 14 June 25, 2007
Branch InformaUon
8ranch Numbar Region Branch Contact Contact exl Branch Re~ues\or
as
I
0000933 Marla mclaurln 2703 krislln
BP Information
I I ortonlWLDICFICCI
Borrower lnfonnatiDn
Borrower Co·Borrower
~rrn\llAr .Inc:ome Borrower Employer Co-Borrower Inco.'T1e. Co-Borrower Employer
'?:,"'J,'10~ Spellbcund Enterprise, Inc,
Borrower SeifEffiP]oyed Borrower Years on jeb Co-Bonowar Self Employeed Co..Borrower Years on Job
Yes 4
SorTOwer P0611ionJTi~e Co-Borrower PoslUonlTme
President
If-less than 2 ea~ on the 'ob Ifless than 2 vears on \he 'ob
Employer Self Emp:OYed Employer Self Employed
90rrmvefCredlt InformaLon
I I I (
121 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
;) I
Demetrlo_ GadilWLD/CF/CCI To Kristin OlionNVLD/CFfCCI@Count!ywide
10/29/200410:46 AM cc Maria McLauriniWholesaleICF/CC1@COU~TRYWIDE
bee
•
Subject Exception Certificate - Result: Final ApprovaVfSamaan I
JUMBO·
Terms of Counteroffer:
........ , t":Ie" .a lit. AM l ' '" it. &alA At.* j .. t t. LA""" II "':Ita a :a. it 1' t •• 1." ~ it ' :Ie '" * "A" "u .. * ....
Pricing Information: /
Applies To:
: The 'Risk-based add-ans' posted above, do not contain adjust!nents for: low loan amount, escrow
waiver. non-e-Apprcve, 45-day and greater refinance. LTV>60 and Fico<620 (Conf only), or TAMI
incentive. Before quoting price, where warranted, add the appropriate adjustments for these
characteristics to Wholesale Pricing Desk 'Risk-based add-ons' above,
Pricing Comments: Demetrio GaOl,10/29/2004 10:20:37 AM->Based on the current loan characteristics
noted on this form, standard add-ons must be applied as disclosed In edge plus the base price must be
adjusted by 0.75 pts for Enhanced 80/90 reduced doc.
• as ali *~ at * it t Ai *tiE ,* ,. a14'" **, , &:. ** .. II a.,._ aa.a •• at aM" II' 1\ .. *. a,." i , At lAo *•• *' *4 .. &: .. * *.
** •• it,
•
Borrower Name: Nivie Samaan I JUMBO' Branch Number: D000933
.. , . ,,"" t .*••••• a.' " , * "•••• t ,lJI ". *.*. ";,**."". ' •••• i. to at I1" "..
•
122 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
1st Lien Amount: 1,374.400.00 2nd Loan Amount 171,80Q.00
Appraisal Value: 1,718,000.00 Property Type: SFR Doc Type: Reduced Doc
: 80190 to 1.5M using Core Jumbo with .750% add to fee for Reduced Doc
Krislln Orton,10/25/2004 3:08:49 PM->Borrower's Income Should Be $33,333 Not $333,333
Michelle Petti, 10/26J2004 3:03:14 PM->Received loan file today
Demetrio Gadi,10/29/2004 10:29:57 AM·>File is approved with no ext;:eptions under the Enhanced 80190
program.
.. to t' , iIi at.". A' " •• " .'.1* tt'_ lAo It. , Ai" t *.*... Ai * • as , l1t . , ** .. , ,t Ii IA " , .
Conditions:
.,/ PRIOR TO DOCUMENTS (PTD) CONDIllONS I BRANCH TO REVIEW & SIGN OFF
. / --Field review by CHL approved review appraiser to be ordered by branch supporting varUf,'l of no less than
$1,718,000
Satisfy all branch underwriting conditions & all CLUES conditions
CLUES to be accurate at close based on final EPS
Quality Verification and Documentation Checkllst completed and executed by underwriter
/;Jf.~().- -Letter from co-owner of Wells Fargo account # 6814098380 stating relationship to borrower and that
borrower has unrestricted access to all funds
~/- Appraiser with AG or AR designation to co-sign appraisal & mark box indicating "Did Inspect Property"
~ Calrify REO on credit report - 5353 San Vicente Blvd
: Reduced doc, purchase, 5/1 L1bor 10, Enhanced 80/90, 1st td $1,374,400 & heloc $171,800: no
exception
GUIDELINE EXCEPTIONS
123 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
, '
in 3ccordancti IN.tll II 'E terms and conditions of theye..california Residential Purchase Agreement or = Other.
__ ~~_/1L..l<~=r-r-.s.
----:;;...",....
//____ - - - - - - - ("Buyer"), .:;.~
C::;;~~4-
,.:IT IV ("Seller').
.-
'.i
]'.
SELLER hereby gives Buyer notice to remove the following contingencies or take the specified contractual action: ",~
,.,
GQntingency
'.' Tf1nalll-l]c-:-uLJted Property I Paragraph 3C(iii)) N. I Loan Application LeHer (Paragraph 2G)
'J DI~r.losllre~~/R20(Jrts I P;:Jlagl'aphs 4 and 5) O. Down Payment Verification (Paragraph 2H)
f COlllllle l , 111t'l ",Sl Disclc.';wcs (Paragraph 68) P.' All Cash Verification (Paragraph 2L)
F _ Buyelln\Je-slig;~llol1, 1rt';ludlng Insurability (Paragraph 9j Q, -: Return of Statutory Disclosures (Paragraph 5A(2})
G. Iitle. P'ell,l'111I2i)( Report (Paragraph 12) R. =-, Return of Lead Disclosures (Paragraph 5A(2})
H Sale of 8v'Jer; Properly IParagraph 13) s. ~~' Receipt for Increased Deposit (Paragraph 16)
T. :-J
U.L
V.
NOTE: Paragraph numbers refer to the California Residential Purchase Agreement (C,A.R. Form RPA-CA)
BUYER: It you do not remove the contingency(les} (C.A.R. Form RRCR) or take the contractual actions
specified above within 24 (or. ) hours (but no less than the time specified in the Agreement) 01
--..<,
receipt of this Notice to Buyer to Perform, Seller may cancel the Agreement.
. ~
¢::::-- \
~
---------- AM/PM
Seller Date Time
_____ ·Inltl?!:;; CONFIRMATION OF RECEIPT: A Copy of this Signed Notice to Buyer to Perform was personally
rer.p.ived by 3u 1('I,r .Julhofl2:eo agent on . (date), at AM/PM.
"l",.L,jI.: ,I·...... '. ~ 51::'1-. . -: ":~' r: .,-..,.... r,t 'l1i-.I ...: r,. >'.f .F~~ :~':~·l. :'":"~~',1' ., ';-;:'. ·...,'r.·~I,·,..,·~ u' a~i ... ,.I'I:?: :'I1.:v"5.
,. I .j" ,J.·.:i'S... ·'.~: .....j::l~,.or :"Er::.f(lP,~,:".t. J~~'::. t-,'~ . . :,1:-: :--- ";~;0.:;':'~:::::'
r"'15 FOHt~ "'~:, LIt~ -: •.,. -F1t~'iErJ ",. T.~~ ;;"lIr C'RNlf. ;.SSOCIATlCN cr REALTORStll> (C.'>'.4 i NO REPRESErolTAflCN IS I~AOE .~S TO T.'iE LEGAL VALIDITY OR
,'i1rOuACY ~:" ".ttl HFr:I~ION iN .\I,y ~PECIFIG rRM-J.';AcnON. ,; MEAL ESTATE BROKER IS THE ;>ERSON OUAlIFIE!) TO Ai:l'/IS~ ON REAL ESTATE
THMJ':;~.CTICH" II . ,'" I:'.,'IRF l~' ,.1; '.';" '''~ ;l:J""(.C. CON:-;ULT ~N ;PPROPRIATE PROFESSIONAL.
~II" 1:1(11 :: u·....1H.\~'· :l' 'I~.- LJI l/!~ "1111,,:,, ;·.:,11 -:;,sI,Jtu In')II",r,·. I: :-; -0: int2:l1eJed I:> 1::1r;-ntlfy tht: ~';;l:'r as;1 HEALTOR~. HEALTOR,';") ~<:;; iJ tC\jt5!cred colieclr,'8 rncmbaf5hlp fT',:!.fl •
. ·t· .~,... fTl"\' 1:- 1"·1 . -.,!-- !'., ~1,~• ..,,:",c.;-·. '1 [.,,:, rJ ..3.,T1l.ltlAI "'C'"..;()n"~"'TION OF HE~LT~RSf.) who ~llbsc"hP. 10 !Is COC"c ~r Ethics.
(SLRt:.
...
~~"J c.~rlf,.,rrll~
~~
L ... ~~~0.-:I:-tli\)f·
Puolished "y ttl'"
J! Hr:ALTORS(?!
: "I~ S':s~~T' ':t"i, :~I r" '..
NBP REVISED ' OJO~ IPAGE 1 OF 1) Print Date SDC Feb 03
IReviewed by DElle
-I
MASTER COPY
,IOTiCE T'J 3UYER TO PERFORM (NBP PAGE 1 OF 1j
124 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
OCloher 20, 2004
Mic.:h~H.:I.l. Libow
Coldw~lI Banker
166 N. (\mon Drive
B~vl:rlyIlills. CA 90210
Dear Michal.:l.
This kner is in fl:SpOnSC to the NOlice 10 Buyer to PI:rl'orm you faxed to tnl.: \H} Momby.
OCIobt.:r 18, :2004 and the subsequent voiccmail time-slamp~d 'l'lJ~sday. October 19, 2004
at 4:55 p.m.
1 want to apologizefOT the delay in responding to your norice. rv~ been consulring wilh
my attorney regarding my options to Yt)ur unn:asoll::lble demands. -,
On three separate occasions 9/24. 9/29 3lld 10/6, I caUed Gail Hcrshowitz of Mara
F.~row Cor my copil;:' nl'thl: Escrow In:;trllctions and Prclimin<ll)' Title R~porl and WJS
told thou shc was wailing to hc.:ar from you bcnm: !:ihc.: could pr~p:.lfC il. Due.: to the.: non-
pCrfOlTIlUl1Ce by you and your escmw company. your seller is now threalening
cancdbtiotl or l':>crow.
My lender infonncd YO\l on October 5th that he had tried sevcrJI times to get these itcms
;100 ncclkd your help. My kndl,.'r also inlormcd me. thal he did nol rcecivc the n~C':~~lry
Escrow [nsLruc.:tions and Preliminary Title until thc evening of October 7th. twt:nty-one
days aftt..:r my cuunler-offer accc.:rt:rn<.:c. Due to the rcndinl,: wl:dcnd & hnlid;ly. lhe h:lOk
did not rcccivc my 10:111 until 10112. My loan was approv~d tm Monday. October I So'. a
reas()n~blc timcframe ror Joan approval. Now lhe hank must review Lhe value before lhey
can Ii naJ i:l.c lhe loan.
From tl1.c hc.:ttinnin..g•. [ have follawL'd-thl'{lugh on every aspt:cl of my end or lhl: r..:ontr.Jct.
You ort'lhc (~illl.:r-hantl h:IVL: nul ht,;cn .:.I 111:.111 or your word, On <)/16. whL:n I ac.:t:cpku the
counter-oITt:r while on my Honeym<xm in Hawaii. I infonned you tha.t I wouldn't he
rctL1rnin~ 10 hl:- t\n~;:l~s lIrt~LW24.Y()\, vL:rnally assured n1l.: thallhcrc was Ill) need l(l
contract\.lall~~XlCl1d:,thc ~onftn~t.:ncics t>r closing date, bc~u~ in n~c:dcd more time lo
meet the contingencies, ''"it would be a~angt:cJ."
EXHIBIT '{
125 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
p
You have been llnrca~onablc throu~h almost every step or lhi~ transaction. so you ICJVC
ml: IW lllhl:r alternative hUlto s~d the f,uiuancc {Irmy :\tlllrn~y.
Pk:a.-;~ inform your sdkr thot ifhc choos(;s to cancel this escrow hcforc the scheduled
c!\)sil1g d~lll: orN()wmb~r I. 2004. [ will havl.: no Olhcr :Jllcrllativc but to SCL:k kgal
rcmt:di~s.
I ronnally request that all Curthl.:r correspondence be in writing, via facsimile or email.
Nivic S:,m;l~ln
13uycc/Rcullor AS$ociatc
~s::tOla~\.n I {tl\aol.col.l.l
J:!J.X4.1.<)~n F:lcsimilc
.(~ .
}, //,
.. ~,J
. 1 i
126 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
SENT BY: COLJWELL aANKER; 310 271 4834; OCT·21 -04 4:36PM; PA:::iE 112
A CONFIDENTIAL FAX
Michael J. Libow
Business Phone: (310) 273-3113 x 169 Facsimile Line: (310) 85&.-7842
To: ---------
MESSAGE:--------- _
COLDWELL BANKER
1G6 North Canon Drive, Beverl Hills. CA 90210
S0085
127 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Uvl . , I ·v
310 2(1 4tl~;
SENT BY: COLDWELL 8ANKER; p.el
~ ..... _ ..... -,LClCI ... OJ. ';~a f-otM
"·k ~ Me Sam.UTl
ViJ :-'1r. tl.1iCh3d Lilx)w
Coldwell Banler
ill' Monda), Octobtt" 18. 20<l~ . .'\.\1. 1submitted 10 you tnrough my r~31tor, ~fr. !>.fichacl
UllOW. ;l Nolie' to Perform r~rdins tho rcmoV31 of contingl:flcics rel"t~ to the
purcb\1ll<: of Uti.'1 property.
y ~stcrda)' I r~,ived yout rcsp<l!lSl:5. Review of the8~ rc:~ponse& with Ill)' r~altor sho~
\hJ.l.;tiU not ;in L:Ontingenc\Ci' arc n:mQ'A:d.
'llles~ fC..'IpOnsCl' are umatiJfwory. and I am in&/rucling 1I~' realtor 10 draw Instructions
!<M' l' ancell.tion of the contract.
(3 tsc V~
~SQQss..-
128 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
- - - - - - - - - - ------------ -------- ------
Page 1 of 1
VICTOR,
THANK YOU FOR YOUR QUICK RESPONSE... IF THERE IS ANY WAY TO TAKE THIS DEAtf_F:tH'E
'C~CEL~O'.fJlE","AMALL FOR IT. .. THE ONLY THING THAT I COULD SEE HAPPENING vvotttt:H3E TO
OFFER'MR ZERNIK AN EXTENSION OF ESCROW BY AT LEAST nNO WEEKS AND GIVE HIM TH E RIGHT
TO REQUEST AN EARLIER CLOSE SHOULD HE LOCATE AN ALTERNATE RESIDENCE SOONER. .. IF I
COULD UTILIZE THAT AS A NEGOTIATING STANCE, PERHAPS HE WOULD CONSENT TO RESCINDING
HIS CANCELLATION ... I'M JUST NOT SURE OF ANYTHING HERE... MR. ZERNIK FEELS THA'r HE HAS
HAD NO CONSIDERATION OF HIS TIME FROM NIVIE SAMMN AS THERE HAVE NEVER BEEN ANY
GESTURES FROM HER SIDE TO COMPLY WITH THE ALLOCATED TIME FRAMES (INCLUDING
'BOUNCING' HER INITIAL DEPOSIT CHECK) WITH THE EXCEPTION OF THE CLOSING DATE SINCE IT
APPEARS TO SUIT HER MOVING REQUIREMENTS ... AS YOU KNOW, A ONE-SIDED DEAL 15 NOT A
GOOD DEAL FOR ANYONE... IT WOULD BE NICE TO COME TO A SATISFACTORY AGREEMENT FOR
BOTH SIDES IN THIS TRANSACTION ...1HOPE THAT I AM ABLE TO CONVINCE MR. ZERNIK OF THE
SAME.
SINCERELY,
MICHAEL lIBOW
COLDWELL BANKER
Plaintiff,
vs. Case No. SC 087400
130 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Samaan v. Zemik Michael Libow 3 30 i 2007
Page 49
2 l'l. No.
3 Q Do you recall where you were when you ca~led
,
4 nero? Were you at your house?
5 My office.
6 Q Your private office?
7 A Uh-huh.
8 Q Where is your private office? At home?
9 A No. In the office. I mean -- sorry. In the
f~'
10 1 arger o~tlce.
131 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Samaan v. Zemik Michaell.ibow 3,30/2007
Page 51
10 A Yes.
Page 86
3 else's initials?
4 A No, sir.
5 Q Never?
6 A Never.
8 your handwriting?
Page 87
5 Q I ' 11
~~ represent to you it was or. October 4.
8 A Okay.
9 Q Second page, you see it again where the 1 has
10 been written over the 4 and then
11 A I see.
12 Q NS in circles. You see it on the third
13 page again right above the seller's signature where
14 there is a 1 written over the 4 with NS. You see it
15 agaln on the fourth page, on the fifth page on the
16 bottom, the sixth page on the bottom.
17 MR. SHULKI IN: So what is your question to the
18 witness?
19 MR. KESHAVARZI: You asked me to identify the
20 portions, and I'm just identifying it for the record.
21 t1P. SHULKI IN: But it still isn't clear what -- In
22 other words, where -- are you stating that every date
23 reflected by October 1-, '04 -- or rather Vias cl:.anged
24 from its original of October 4, 20C4? Is that what
25 you're saying?
Page 88
5 this change.
8 Absolutely.
Page 89
1 "
\d Is that your handwriting?
,~ No, it lS not.
3 Q HOl,,\j about the second page?
4 A No, it lS not.
5 Q The third page there lS a date 'di th the
7 A No.
8 Q And you're absolutely certain?
9 A It is not.
10 Q Are you absolutely certain?
11 A It's not my handwriting.
12 Q Are you absolutely certain it's not your
13 handwriting?
14 A I'm absolutely certain it's not mine.
15 Q Did you direct anyone to write Nand S, going
16 back to the first page, in the circle?
17 A No, Slr.
Page YO
10 Q Yes.
11 A It wasn't October 1, on Saturday? Because I
14 Saturday.
15 Q So there is a recollection of that meeting now?
Pag.e 91
1 itself.
2 MR. KESH1-\VARZI: It will, yes.
11 inspection?
12 A I thought it was on a Saturday.
14 the inspection?
Page I 12
4 A I believe.
o A Yes.
7 Q And this is 14 days after the seller's deadline
8 to deliver the preliminary title report?
9 A Is it 14 days?
10 Q 14 or 15.
11 A However it works out, yeah.
12 Q So 14 days?
13 A Yeah.
14 Q So the seller was late in delivering the title
15 report by 14 days?
16 A Uh-huh.
17 MR. SHULKIIN: Objection. Okay. Well--
18 Q BY MR. KESHAVARZI: Would you call that abusing
19 a deadline?
20 A He didn't order the title report.
21 Q Who did?
22 A Escrow. Would have been ordered ~hrough
23 escrow.
24 Q Did you call escrow to stay on top of i~ to see
25 if they ~ere ordering it so the seller would comply with
Page I 13
1 his deadlines?
8 itself.
12 itself.
13 Q 3Y MR. KESHAVARZI: You can go ahead and
14 answer.
20 answered.
21 tv1?. KESHAVARZI: Hasn't been answered.
Page 131
Pag~ 132
12 initial.
Ab sol '..1 tel y . We've had that come up, that the escrow
22 officer 'will say "Michael, it's abo;;t to fund. Do you
23 have" yes.
8 truth;
20 correct.
La;e~f~f10995,
23
24 RPR
25
143 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
(
12
13
14 Dated:
lS
16
!
.~
17
10995, RPR
-
~ 18
~
•<
.19
~ 20
~
21
~
22
23
24
144 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
310-3 "':-1\11 SOLSACOlJRTREPOR1ERS 7\4-57\-011\
7 PLAINTIFF,
~l FEPORTEG BY:
24
Page 1-1
GRIFFIN?
A. I DON'T RECALL. I WOULD HAVE TO LOO~ AT MY
3 NOTES.
Q. CAN YOU GIVE ME YOUR BEST ESTIMATE?
10 A. NO.
11 Q. DID YOU WORK ON ANY TRANSACTIONS?
12 A. \l0.
14 A. I DIDN'T DO ANYTHING.
IS Q. DID YOU CONTINUE TO WORK IN OTHER EMPLOYMENT?
16 A. YES.
17 Q. WHAT OTHER EMPLOYMENT?
19 Q. WHAT IS THAT?
20 A. A RETAIL ESTABLISHMENT.
21 WHERE IS IT LOCATED?
9575 WILSHIRE BOU~EVARD, BEVERLY ~=~LS, 302~2.
Page -II
1 I BELIEVE SO.
3 A. I DON'T KNOhl.
4 n
'~ . IS YOUR HUSBAND AN OWNER?
7 A. I DON'T KNOW.
9 A. I DON'T KNOW.
13 A. NO.
17 A. NO.
20 A. NO.
25 A. YES.
Page 68
1 A. YES.
4 A. YES.
8 A. NO.
10 IN ESCROW"?
19 BY MR. CUMMINGS:
24 MR. ZERNIK?
2S MR. STEIN: PLEASE RESTATE THAT BECAUSE I'M CONFUSED
148 / 745
\ilVIE SA.:YL\A:'-l 7 ] 006
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
( ( p. 1
Number of Pages: 15
From: Victor Parks (u"lcJud,ng covor)
149 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Uc~ e:;' u"t u:;"u<Jp p."t
CAUFORNIA .
~<.·.'\.I.lr()r"""l.' RESIOENTIAL PURCHASE AGREEMENT
~~ t\ '" ~ t), I.~"I • (} " AND JOINT SSCROW INSTRUCTIONS
~ ()~ lH. \1. 'O~~ .•· FQ.llJ!ltc Wfth Slngla $'"m1tV R.-aldantla\ Pro~rty - At:t:achod 0' D.t£Iohed
(CAR. Form FlPAoCA. Revislld 10101)
0.""
f.
.~"P.I:.~J_,,",-?~
O':J:ER:
,, . _ _ _ _-"ljl!l""'v"'t>"'..,,,.l~,...=__"JlD"'="_"I51.'___ ~ , Ca\,.(omi9.
1\. 1).,,11$ l!i AN OF'-Tlt fROM ~a...grllJHsMl ,~ __ t~UVOl")
B THE """L ",<Oy>J<TY yo 01:. ACQUII(ED 1$ ".""nOQO RS ~-.E1J:l.JJhJJ~~W!.,,-. __-':~"",:,",..
. __ .__ . A$5EO'or'sPP,ooI NO. 4;1:g8-0:g4-0,23 . ",tu--.1e<l",
__=...,...._...,....--'e.~,....)fj.),AI'l. . Count)l of t.ps ;nacl.D#..- . CiJlflfomllt. tUProoo~l.
C. THe! vunCHASt" ~fo(1C'" orTc'''o I~ on~:a Six mJrytrM riqyrr1ty ?!bonued
__-,-==_=_.
O. CLose OF ESCROW snail oCCUt on
. _.
. CS:(;Qber,I5 OiJ)'m A1l£r Ao;C'pt.lllC.:t").
;QO..
.1.~.~R~T;"-C...o"'(!"'c,.q""."'q""7__7:-::-:-:-::=~::
Dollal'll; ...
Cdalk) (ot 0
2. ~JNA""CE T~~M..C;: O~t~I""\(\Q' , .... 0' 1q~n'1 W:lo.. l.':. Q cot'llina..noy of tMio J\g1'O~enllu·\la.e.c: (1) coiU'lvt 2r<. or ~L
bolcw: Of (til oth9rm~ j:J chOdCa~
tlgtOed tn 'M"l~. UU~{ l~JI ~c\ 'H1Iy~nllV ;mtj In ~o6d Iluth lO octiJln the de&Qn:(od lo.. ~ ooc.J1lfI'\Q dOPOOlt, do",,'" Dtlovmam :In(j et,,:v1V) <:::01\t': ..... nOt
~ contln.g~n,y. DL1Y<:il( fe"(~'II~m~ 01 ..1funosWlU De gOod' wn~tt aeCO'Tted with E$crow HOllfe'.
A. IflUTlAl OEPOSIT: Duyer iu!l gl\l.eon It tL::.Qooit III t/'1c .-t(Y'Jounl Or. .$ 10,000.00 . , " .
tt) thR ;lIQ'PM "I11"'m.:;.r.no tne o~, (or to 0 ). by C"~Q:'lQI ~
(Of C. .. ' ). l"'!"Utd~ plIV,jn/c \0 .
Whldl ::1M-II bit held unc:a5hea until Aeo;ple-nce anl;f tflon dep~r~iCec WI01{l\ J rHJGln~ l"a~ C';flQr At;CO~l"I'to
(0'::::J __ __ _ >. with
E.oow HO""", to' 0 InW B'ok.,,~ \"'51 ~=ontlo t _
CJ,. rrcCF(CASCO O(!P'OSIT: OLJ),ICr U'InU d:ecOS:ll ""'ltn F.'!r.:fCNtl H('l~"J &r'I lne1'el'r.!od dc'J~t 10 t~ QrTlWr'l1 t1I
",'min O~Y' Aile' A<:eIIpl"-"C<!. Of Cl ~,.-- ~ ..,-_ _
C. FIRST LOAN II' THE AMOUt.JT 01' .• • ..... 0 • , •• 0 •• , • 0 , • 0 , ••• 0 •• 0 0 •• 0 ••••••••
J. c 33';, 000. 00
11) "J.EW F[ru ~ of Trv.sJ.lfI "'.'Ior or lerntflr, enwmbe1lng the ?l"'Ot"'f'f'ty. 'S43e\1nl".l~:II I'\ote ~;ay~p ~t lNxlrnUI\1
'n~rcnl of ... "'102 .!,4 fi.«t rAWo. or r;. !2 QQ ".t. inftlQI Q~Ulil1f.1blo fqtoWltb" maXn,'lt.ll'tl ttllCft"J.r.rl.c
¢f 11..:i!.f2- .,.,. b"lane.> dv. " 30 )'en",. M'1orotea wei ,30 year.!. flu:/1lr ~MJI
PDy,lo..an reesJcoints nor 10 e).~ . (Thasa ttnm apolyvmether the de6fgn"btd 10""
1~ conw~l'Ition~t.FHA Or VA,;
l.:l.) 0 rHA, C vA :Thl'l 'o\lO""'I')O"'~ ooty ~~Q!V to lho ~H.l. 0' VA ~ 1ru, 1:1 c:Nodoted.)
~cnor t1l.:d P-'y % d1eroun.t po~b.. ::ioHor ~Qtt ~ oth.er fo:;'Io nal ....owud to be p..;,uJ ~i' l'uyr;t,
r] "'0' to rJCCP.eO S Sll!:lIor ano.JI p~ ttwJ c.ent of loru;tar ffJq-uftla"- ~p3ift. (itKJt.rdIM9
lJ,Oe:,e, fo, .,.roOd ,,~rroyill? Dr:-%t) I'\ot ""th"'l'w~ p'OIlJdto"d for in thla Agreemont. 0 not ~ COlt;:t:<'d
~ , . lAe:tu.JJ tC::Jn ~t m:Jy lI'\<,:n,Io.oo it Mvrtg:J:QD m~Ul';Jnoe ptef!"'l\Im~ fut\01l'tO
f~r~1J t'.(\ili: tter;;:;;;ecC1.)
O. PtDCITJONAl.. FINANCING TERMS~ ':J Sellcr linnnon';l& (O.AR. FotTtl SF"): GI,:;·a:u:JONiOry 1'1n.:lngng••.. ~67,OOO. 00
(C AR. ro"""" PM p...,r~Qf;Jph 41.\); 0 ;'\... ~\Jf"Vld fill.1t\c;h2 (CA.r:t. F'~rm PM: Pll'?'Jf;l,Dh .cOl
E.. BAl-ANCt; OF FIJRCnAsS PI{ICI1: (no! Inc,udiITo 00l;ls 01 bll181nll10 loans and 01118' c:losln~ coats) I.lhe ."",um of S 15L,.oP.o,._o..Q
10 be dtJDOS~d wit.'\ EsC/ow \-toldor wltni" 6vf(i¢l~nt tim~ to c1Q5e' e5CfOw
~ 1"\JF<CHAFll': 'cRIer (Tor All' .. .• ,D , , fj70, 000. 00
C. LOAN "~r"L.IC.h110N'!:: With...,. ~ (.or Q ) CUy& Met A.GcaptdllCO, ~uycr shall pto.... ldo !ie1ot a lttttDffram Ic:l\d~ or mortgaQ~ lo:tn
);)/QIittlol" ~L;atlnq th;at.. bI:.~gd on ~ fc.ylow of Buyer'~ ....'a!.en ~pnc.atiOtr e.nCl ereait ft:l'~ort, BlI)'et C$ pre~al.t1led or preapproved tor Ule N~W loen
B~<:rfl~ in '-C :JCOV.:;o
H. VFRI~ICAnON 0': DOWN f"A~I"NT ANO <;:t.,O;;;;IMQ COST;:,; Ovy... (or OlJYOf'::s 'crtO'or or loan 1)roY,l'tf p...,/'eu:u"t 10 2Cl ~h.1t1. wilflll1
'I {or 0 }O.a't5 Art/)( AccePto1l'\CC!. orovtClC ~c11orwllttp.n Vl'!tlflC.2tlon aI Auyor'tI. dot,W'l ~ymt"nl.nd ckxllng C01t\.
I. LOAN CONTINGeNCY REl'lIIOVAt.: (I) Within 17 (Of' 0 ) ~ Mar AcetJ~t::ance. 8UYQr$.!lalL ;$. 'i~tt;:i&!d In oar~r;;Jph 14. ~ove
U10 lo;n cont<ngenC'( ar cznCol mlsA9r~nt OR (", tj(checJ.(e(1) 0 th~ lo~fi (;Qnti,,~n(."y ~Il "6~in i,., e+n.ct urttil tho:- dc...'on~ 10Jl1\'t ;l~
f\Jnf)t<O,
J. APPAArSAL CONTIN(l(NCV ...,.0 RE/oIOIfAL,,' ThI"Ag"",,,,ont I~ (OR, If ~dmd. Cl b NOT, ="'1I\9onl upon tl>c Property "pp,a,,'"9 dt no
.'ess ttlan ~ 3ce~ficd pu~a.s. orica, If tk... t~ .e; I'l. ta&n con'tln.gal~l ot the tlmo: tho lo8't oonC:"gof)OY" t'QtnOwd (Of. Ifchac.ked, ~ w,OUn 17 (or
::1_. _ ) O:a)r'~ Aft"" AccPpt;ncp.,. Buy.,. ~II. ;:no ~odfJcd rn pa~opl'l1-t.O~). ... ~ fho olJPPrD;l.lI{ OOl'tbtlQe-t1oy Ot ~~l (I'da Agre~mtlnt.
If tM".e- l~
Mer AC"'Pl~noc.
no 'alOIn o'\l'Itin'Jem:y. Auyqr f"J-.olI, Tl9 "lpr.ctMrt In P"f"GSlI"'C'P/"t 1'D(J). fCmbVo ,h. ~OC"D~ ",;r,)~(l~cneyOW;~ln 17 (01' ) D3)I"lo
K. G I'D LOAN CONnrlGEIlCY (If c:n.c....,,): Obtoilnmg a:>y Io.n in p"OSIraph, 2Co 2D or el ••wIIe,. in !hJ~~'l\ 1:> NOT" =nlingcnoy C1f t,'.
Ag.reament. If Buyor does nOI obt.:lln ~ lol!'t(l :a.nd ~c. a "'CU~ Bl.I)"'r dace not PLU"dU:l~ tho PrQP'Cfty. SoUcr mllY bt'I e-ntlifeolj to 0VYQ(A O~O'.l.tl Of
o\tlOt ~~,ql (Q/'I"'Irdjl~:I-
1... 0 ALL CASH or "I:.~ {If CJ1etle"l: NO l¢af1 ~ f'rtIe<1ed to purC\las.e tne F'tOpallV. 8lJ)'t"J: 5naJI. w.tt1in 7 tor 0 ) OaYlJ Aft.or ACcepl"'1ce.
-,rovtde ~etl~r W(,ttQn vf:fiffC3tfon Q1 $V~eflt (ur\a& In dose this 1t.ansattlon.
2. Cl..O~lN':;' ,'NO OCCUPA.l..jC\,,;
A. H..."or In{.QI1d-s \or G dCl('''' net ~t"'nd) 10 dC:=-UQ, rnl"""~ 101:J 1~)I'llP"" l)(ttnJ.ty n::J:o)tl91'JCO.
fl. ::;:plfCl'r..()l,,<'u~~u OF" Y,)colnt P"O'P'Orl:'/: Oc.eupzwcy ,n.,D b6 Oef.VQNd tQ allYer ft ---1..L-!l' AM 0 f't\tI. 0 on loa OCltt- o-t CIO'-C' Of eS.c/ow:
CJ <J,, _ _ . : oro.,o lAter trUtn _ _~ o.oys M ... C!O"" or Eac;r"",. (CJ'o.Ft Formp~Ph~ld""Mfe'OftitJ~""d
-
(.""
oG<:.!Jp.:mc:y
_;;~~~~~n~":~~'J'~~~~'l~f:..,,:~
,8'I,r! I'voo loll ....
do ncf OCCur;;!.t tho
13uyot'~ (nlllnl:l (
~elle(~ lrll1.la~ -
(-
{
- J €l
=
~~u,,~~::!t)~r~~,;~i'~1J:'; ..:!AJ~~~"h~J<I~/i:i::~r.o:· RJIovi~h:::;- uw~
RPA-e.A RSVj5[D 1010;;1: 4r-A'GE 1 0" lI~ ~.6~u.~MA::r...~;:;-~m;o • A fo# '1". a 9r"t1l.l\-.lY
150 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
1~/22(2ee4
"'-'~' ..... , ..... vl-U,.~ ... l.
15:42 3135507531
CJjl-l,N .....t:H;
MARA ESCROW PAGE B5
310 ~71 ~~34i OC~ l2·04 ~:~OP~: PAGE 3
A-Opet1y AddrllX:s.. '.0'" "'cct V<Uq ""\."'Arly tt; 7; 1 C.A ~2 Dole: "'~cm'>c" -'- ?QQf
OR "I.') (If dlC'cxnd) 0 n'\~ An~nlc;,,% 'S lA>fI(m'90nt upon buyer.ana Seller entl'rino fl''HO A Wr'ltt.en IlIJr'&em..,nt ,ocprding Oceup4J"':y of !.he PrcptJrty
W1{,.,in ~ '11"T'Ie .:Jpecr.led In o"" ... gr&ph 14~'). 1( 1"l0 wrirten iJgrf'(lmElm II reacMf)(t wallin ttl!io time', QHh..r Surar or ~clle(~)' c:mQ:'l th~ Aglc:cl"tlcnl
InwnU"'I
O. At C~~.:: o~ ~"ro"",. $9,,",' alloGiQfI:' 10 Ol,Jyeo r nn'l ClScIOMAblt' >M~rrClf\ty "Qh~ for ltltfT1S mc1uorec ,n I.hv $QI'1 ~n«J .hal.! ,:)n:lVf(f" .;..I"Y "V4f,i/.,llJ)lrt CQpll1lCo
.of:s.u.:fl W"'{f~il{I~. 6(Oke~ Cgnnolll11(J will not Qel~ll1e lh.c .':'SoQnM{lltttv or &oy wa,rr.f\II'OS.
E. At Cose or ESC.fOlN, ul'lj~s:· o(hQl"\N'j$. :IgrQod In "wlllng. ~tfUdt ,h:atl pJOYll$e Ifeys ana/or mld1'l& to operata all Jock'i rlaflboxe, seClJflty sY'-"te'ms.
a:arrn:t "tld g~"aQe dQOf QPertefS. ir PJQgf'rt~ k :t condominium or tOClbrd In ~ common intltrest SlJb(lIyl~ion. Bwer may bllt r~ufred to PMy .:J
cfflPO~i~ to tl'l4" Holtv."croUnt'~· Mc.o~.110l"l (OI10J\"') 10 "toiATno l.,py!JI to ",~cte HOA f;:lt:.JlltIo.:.
~. Al1.0CATION OF C~TS (If Chec>t~J: Vfl!eSS. OU\tf'W" :r;l»Clrlitd hero. (hi, ~'tr"Om~ atHy dCt.e:t'trnn,=~ wf'\o i,. t.,- p~y Jorlhoe rt!pott. Inspeaton. eM:
or6CNJcc ,..,C't111OJ')(;d.•r not speetflecJ nero or 8/!;rnmere In thi3 ~feemet\l tkA r:L"tArn1In.at~ O(W(,Q b to pay '$Or any work rQCO~dad 0( Iderwn&d
by ,;Jr'ly ~uCh (c~OI't. :1i!;peCf'oT'l. [est or s.ervl~ $nOlIl
btl' by the ""tlthod G~@ojr~d' in IUl'#Of:;lgh '14Dt:U.
II. wooo OesTllOY,"C "l!sT '''llP£:cno,,:
P) C &.lyer 0 S~a~r Shell PitY (or dn In~p~jon ::.rld f't'lp.an for waod do~'ro)ling !"C&t6 a~ O'9.t'\~ (""Nepon'j 'Nf'lloCn :h~J1 be prep,~
by _ _" • a rcglSter<lll ..-uClU'Bt ~5t
comrOl compan)!. in" Report shall CO"l€:r ttie Q~1bre. '11m", r1f 1110 mal" bulklrltg Olnd UTtlehod r.'truetuf8&: ~11d, if
ene'clte-a: U al;rt:.cc:"~d ?~rao<"~ .:Iflrl ~r?CIf~, Cl d~tR(;hJtd diItCkl"t. 0 mil' toJllO-Wlno ¢lhor '\~tW'"" at "~D~fl
_ _ _ _ _ _ _ _ _ _ _ -. ' TI\d Rop,orl !.h..df
nat include c.ovcoung::J 'f ProperTy nI a conoomlnlum or JOca.tecf In 0. comrnO" mle1e::ot 5ubdlv1.,rgn, the ~ri .~l Includo onl'l I/'"lQ
lOc.!
j;gprn1ltoa Intoro~ ,:JI'ld LJ,ny '~;;CJ~VC!-u~O Jre~s OttIng lfan:>terred lind ehall n.o1 lnc;.iudt common ;lJlrg~. unlJl;AA ottl~ ;liilr~d. WAtf'f' tC'~I::t or
:.n('·WQl p"ntt 01"\ tJap~( '"'''1;\1 tJr"lIt, r'rl.o Y "01 ~ performed wlt'rlOl.l! eonJet"t 01 ~ own.cn:. or prooorty b"IQw I"", ~~t
OR (2) tjJ (11 elleckG-o) Tn ....Uac;.net1 .,tla.,nQlJlT\ {C.A.tt. "0"," v.tPA) teg.3ta,ng lNoO<1 cltl(,.lI'oylng Pttfot lr\sped;fQfI and &:I1~ll(ln of CO;;! b i1\corpon.tea
Into lob AweM1e<1t
B. OrnER INSPEcTlONS .1.110 REPORTS:
(1. 0 (3uYOt r:i ~1I"f q."l;)1! p:4y to h:lv~ ::.o~c or P(lvo.\o ';(W'QO CfIC.,(t-,JlI1 ~)Olal'!\:) j~pootoCl --- _
C~} 0 "u.yor LJ 'Salle( t"h.,,11! pay ~o tl,eve dlX7'le5tIC \NeilS U!sted f(ir Wster pOUlblflly anti prOduC(lt'Jly ~ _
(3) U f'oIJ)'lO,' ~ ~cllC"f :;h.all pay tOt a nDll1filJ haura l:oM aili~u(a f&ponpreparBl:! oy ;JS~,J,1.4J.~e1£r~"'~c1!b_"P'At.cC:f!
.. ..'__ ~ _
(41 0 13uy"r 0 \;DII~r .holl P<rf (or."" follOW"'ll "'Of'""tlon 0' ",part .
c. ~~~~~~9 ~~~~I~~~;:T~~~~f~;;':g~~;r1)OO atf-COtt - - - - - - - - - - - - - - - - - - - - - - - - -
(T) 0 Buyer CXJ ~elle, shall pay tor smuke detectDr l~l.la1ion Ol'\d/or -w»\Or Jut:)""r br:1o~~ If roqoirod by LIfW, ~or to CI~ or c::'U'vw. ~..-eUet'
y,~J Dr"O\flC1,q 13v;~r;j\ wr~n F;r-rt",,"~nl ofr;QI'IIP[b.\n~ In t:la:Qf'(!RnCPI wM c.~f<' cand l~ uw, unbs ouf'T\l)(.
(7l 0 ~lJ~r OJ ~~oll~( or:n..,ll p"... {ht' oo~ of f';t)mplumo." ""'rtn nrry ol~"r l'runln'lU'" rT"Ancfo.tOry ~ov"mmonr I'nWf", ~fA:l"tdn~:), lr'reDo(;'tio"c. .::»ld
rel:JO~ rt l'l"lq\,Utod ;,c; :: I:onditlun 01 d06lng a'liCn;)W I,Uldc( .Qny law. _
D. C~CROW AND nTt.. c':
5. SYA{~~.@:~I~~~~I~~~~;:~~~~IN-G-LCA--o_-6-A-~O--:P..,A..,,""'=~=::-RC--:--=O..,19~C=L,..0$=URE==!lI:-A::-N:-D:::-:e:cA>.l=eF=LJ...-;-:A"''r::;'/O=N-;:RJ:;G;;:.H='r$=-: ---
,,- (1) {;e!IIer !lhCn, wlrh,n the tIme $pt'c.iri~ In ~ar.9(3.ph '.4A. delrw~ to Buyer. if (Q<illlreet by u..,...
(lJ 'f"..odor.at L9~~ P.il1~ OI'KJo~n:",) Qild
P.3mphtgt n.
.t"gfj OieCJO!:llt.l:"!l'): Ond Ill) OI$ClOSU'4t~ Of" nO\I~ r~uJfe" by l\e-di'on1\ 11lP et. seq. 'i~ 11ro~ 'H'q, af1h'1 Cq\lt'grn~ CNHCndlS
r
~\~l/1«lty D;:;C106U~3j,~}. ~.;JluIOtV Ofl:cJGr"UI~' lnql\,lQO. but em not IImlrod ~o. Q. ~I)I C~~tc T~n:.for O~(JQ"'~rc' Stctement iTPS~i. Nl!lh-Jr.al
HUilrd O,SCIl»ufa &atelT'l6nt rNHO":. !1Otle.. or Qchs01J LvlOWlodoo. 01 refc.:co ot 111)00" eonlrolJI:lId wbLtaf"lG8. noUa:- of ::;:p~tmd l.1K Q('rdluf
~Eo~~9menlo (or. ,'allOwed, ~Ib'tanliauy couillalent tlotica rt!t,tardine V"le MeI!o--l:l;QQS Community R;J:t;iilee: Act and 'mpnJyotrllmt OOf)d Ad ot
1"1'\$) l1nd i' ~lJcr nil" ActUAl knOWledge. In rn~~,..,.as t.1'~e sn<J mHrtJ'Y Ofdn.ance loc.atJcn CHsdosure (CAR; Form SSO),
(2) Buyer !<\h3!I, ...j~nln rho ti.f'n~ opo·..:if!V\S In Q.,f~I1(DPI\ l~a(l), l'ttlutn ~iQ1\eO Copies O''''IC StaMory;m<j LQ:1';f D~M.V""o; t? SeIJ"r
(3. 11'\ 1M wctlt ~;dlf"f. pnot In C:h::t4~ 01 "''l.CfOW. O.c:Ot'f'\f!t ;lWlJfIt Ol fll;fV(U,", (;o?I111t'QP111. rnotAtullty -:s".~~ t~ t>r(\fU'rty. or .~y nut:enal
jrloceu(aCy III d~cJD.:l\Jreei. InformatIOn 0( representilltions prevtou~11 provklOd la eV~r of whlc:b 3uye-r I'D olhorwlsa !Jl"I:!Wllro, xrlcf ,J,hall
prC'rnptiy pro~", ~ I;ObGGquCl"\t or olmended d1b-cJo:uUCI or :1QlIee. '1"1
<l1""'"~""' .""11 noll,.. _qul""d fOf "ondltlonc. ..nd _'i.' wrniflg. C;Qv~i1 thrne ltem~....~ weve1"" :outr.Jeuuem: Of pnwndw
,nacwr~Cla& OIG01DSGO In ~potts cmle "p,oJ~
In'.".. ( a ~
BuYCf'
SeJler':1 In,lfbts l L }(( L5J
~~~~~~~~~~~~I~~=~:;~~~T10NoPRI!rlL.TO~,INC !"~(Jby ~~ I ~ci=~
CAUroJ:tf.jIA RFSIOt:.f'fTlhL J-JUJtCHASA,' AGRC[lI.U..Ni (RP"'~A PA<sc 2 OF t\) ,."~M2J~ T.rx
151 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Oct 25 04 05104~ p,6
{,(l \t t1f1~ 0'15etO~U('D 0'( not~ ~Nj:jl!'d in SA";, Qr t: ...~u.ont or :lI'I"lefl~(f dICl.C.IO~t.Jf'¢ or notioo is O'¢4lverod to Duy~r ~t'1er 1\., o"~ !~ S~I1e'd.
"l,.Iyar :..noll tla ....r: lho "':1 M 'to QnCQI I""I~ At;rr\ta',-nvn1 wllnin J O~s. A1tCf dOINery in P<:fSOl'). or 5 0;'1)''' A~ ~fl'llQry bY oepO~!t n tnfl mod. ~
'JIVmg wnUon no1J,c.~ of c.afiCt:ntlLrOr\ to ~;;er Or Seffer, ao~nt (lea(! Dl$dt»ures BC'nt by rrt1iI mUS::be se-n( certified mail Oibetter ~
(~J NO,,", t<l 6l,iyor Dn~ ' ' ' t"; Waive, or :;~rory Ol'ld t.e~o O;"el""",," i~ prohibIted by laW.
a. NA:rURAL AND ENVIRONMENTAL HA7..AA.OS~ wtthll\ tho in. C4X"clfiod in S'''T:)IJ':ph '<01, ~~r ~.:J'. It feQlJJ,.-o: by U,w; {o) doflJl'I.o'f'I,( 1.0 OLy~
e-.:.rthqu .....(':' r;utdt'lo (nod ',lIJC"(IOnn~jrQ) ~r'lO v"'VI:unrn(Jn~ tuWn;J, bOOk:fet: (iiI ~.C' '¢xltm.ot lflJTn tne Qbll~t:on to prvVlOif tJ NHO. di~£Oc.t1lrtht'
P-opurly ;,. "'(:.("". ,n , Gpee,,,, f'rooo HllotOOl At••; POlenl1a1 f".Od!f1g (,"ull<1.Von) Are.; Vary Hlo~ Fire f-I ••ard 2""0: S~ ~'" Ro<po""lbil,ly
Ai••: "'Qt\hQv.k. Fovll ZO~o: :l:1otni. HOUr<:! ZtA1a: an4 (iii) d>sctose any 0\1191' :one ~ re<:ulred by l.ZN
for-quit"d fot' tho_~.,. 7an~.:"l
;yl"
Pl'Q"id~ .ny o~e< in'Drm"U"n
C. DATA cAse O(SCLO$U~L; NOT1e!::: if'll"! C~~mft'll:l O~tl:Irtment of Jvc.t.:~• .. 110':"0 Qo.o:u'tn')tllllr.. peJlb:t dC'!»r1mC11~ ~t'VJng JunsdletJon~ J!
200.000 or more ano many otner 10<3ll:l\Y enWcemetll .UIM~io. msintnln reo, public .~. dati b.... or tho Io""",on, of P"r>ollS n>qc;,fed 10
'~s<er pu,..u~m to ~"'''llr1lDh 111 Of 9~I!lon 13) 01 Section 2~O.4 olu.., P""", Code. Th<I o.~ lhc.. IS updolcd on a quaro.tly ba,1S and a
SoUl'll!: 01 'nloono\'\)n .tlout Ins )Jtn.';Ane>< or v-.e..Indi~du.l, In ony noillhllotbood. Tho Oop3ltm<-nl Of J""Uoc 0100 """'' '11\'~ !,,,,,, orr""o~r
roo"[si' c.~lCn ~ tnfoug" wtm;,h mquithlll trbO\l( IlldlV/duoib may btl mad'«'. Thl\ r' ~ '.)00' telcpl'Iona ~l'\IlCt. Call1r:\ mu~t ntr'lO co<'CJ(1(: Jfl(1;lfIT\OOOl'
"b~ IndL".,rdlJQblhoy are C:l1ocklng. l"fortnl;;l,tJOIJ '~9dtding IleignnomooO's.., no, alJilDaole mrougn 1l1e-gOO" lefepl'1009 SlervlC9.
6. CONOOMINIUt.IIPLO."/OEtlUNIT D.VE~OPil.ll:NTDISCLOSU~:
A. SIe'LlE"R HAS: , fQI'" L' J D~~ Ana( Aco-ptante ro d"do'e to e-uyot wl\OUler the PraOo!f'l'b' 1e; ::I condomln~um. or ~ Ioeot~d "" :I
i=".. nfled Vt'll; dcvo!Opl"f\Cnf Of Otl'1et C<Jmmon rnro~ct LUOOl\lIIlllIDn (CAfIiC. Form ssm.
t:i... Ir me PropertY II a condomlnillm Q( Is ~ted in 31 p~nnetl tJnll dO""",,opmol'lt or othor oommOI\ rnto~ :Jubdtvt:Sk&n. ~lIe( h" 3 Co, 0 J
Oay$ "'TIll' Acce'lanC'> to 'eco9S1 f,om the HO'" (CA.R Form HOAr. (II CoPies of"'y doeurnen!s roqulrod by L~-. (Ii) <I~o""'" 01 .ny p"n<1ln~
or :::1nVClP;z.loC1 C1:lJm 0' it1qJ'l't"", b~ or iil.gclJn$t ~h~ HQA: (;n) .. ~nt CQf1tDIolog tIm ttx.ntion "l"d nvmb<r 01 d<n~rTaICla ~f1\lno ,.1M :&.tOrl.~e'
flOw!"'''''''': '1\,,) Q)pJe~ 0' trt. mo~t l"C'~nt 12 montl't!. 4r I-tOA mmure5101 re9UI,r sn(1 ,,~.I mee:lU"l1)': :lind {v) t/"l' t10fT'lltn,:. 4itld CO/lUile;t ln10rtr'l:2lr;Qtl Qi
111( HQA.3 govorrlln9 Ihe- Pfoperty te.ooe-CSNel}l. "CI OlsCIOfOtJles1. Sblter$tlaf Uem~ end' delivOf to SUYl!r en CI OIse1e:s:UI'fIIIII: received worn t~ .... OA
~nd :to)' Cl O~dO:sure.s 1(\ ~l\.t:f":. pOMe:l1:l.lotl. Buycr'.s -ar:;lCirtJVsl 0' CI Olsclosur98
7. CONOlilONS AFTCCTJtfa P~PCI"tTV:
rs.
a contingenC)' of 'N, Agreement:;u. 'lIl:,\eifi4d 'I'
~~t'l':Ipt1 14
.... UI'IIlT.)~ OCF\o"""'iX' 3prood; (I) mo J'f'O-p,Arty ,,, 'to¢1(! (u) In !~ PR,FSn.rr phy~IOtlI ~CI",cfIUo"" w of thQ d.:.rt:lIlI 01 A'::;~CQ ar"Il;3 ~bf :.;.mJoot to
8uyo,..s Investigatioo rlght$: (ti) th~ ?'QOer1Jl. ir\d.,lI;1lng pOOl, ~"o. '.Il"K1:.e,:,,Q.tng :lnd pround:l:. is to bd fI\.,nCa,~e<1 In SLlb$19nttaff)' me !am~
cond<lJon "" on the 03\0 of Acoootonee: and (Iij) 011 dobtl' ~no per:;o.a' p",porty notlnchJdea in IhC' ""'e .h~n 00 ro"",....,d I>y :1..... Or ~CfOw,
8. S~lL~"l SHALL ",It"'"
~. tim" ~l>"Cifi.,j in P""'RI1IP" 1M. ol~c~oec I\rtO'\'N MATDUA'. FAC73 AND DI'!rECl'S .lIec>ln9 l""
P'fOJ)Ott)'. 1nQJu,=,lng kno",,", In~ur."CO' crDirTO wtll'hrto tho ~t "Ve' 'IlNr~, A~ MAI<t! OTH!!R DI.!iCLOSURt::s RCCVIRE:O SY LAW 1c:.A·R.
romt:;.sllj.
~. NOTl; TO 81JVl;/'l; VOOJ 0'" -:'l'OnO'y .dvl,ood t4 cOOduct 1...........9"110"'" of \)Ie enli~ F'rornrti In ~(de, to <!eulrmlne lis ~ condillcn
SI"tC!' SOller rnD)' not I:)A ;lwa'" of ...U d~~~ ~ff~;nQ Lh. P'PQP9ftY or other b ~ thd't you cont:lldfLr rmpat'tl)nt. P'r'OPcrt;y fmQflJ\tl'OMOnt'i
may not ~ bllal.;l<:~.ordIf1l(J to C;QQG. In c.ompr",u'leco _~ (lufI"leM Law, Of nowo had perl'l\Jl:G 1.:to\Jf"d..
O. WOl'e.. TO !iC1..L1;;H: tiuy<C:f tl.as t .... ngttllo Inspa-a me ~ ~ a~ spac.lf~ in ~grapt) 1AB,. ~d Utlon lnfDrrlXilUQr} discovere-d I,.,
Ih~ I"SIP~O"$: (i) Caru:oI thrs. Ag(l!'ement: or ~it) roQue., th:Il you ma~ RODollfrlS cr taJ(D Qther ~on~
•. rro.c:;, 'NCL.UCCO ANC exCLUOEr):
11. NOTe TO f'VYt''t A.NO !If"LL~ 1lnm~ rJet't!'d ~o;. 1l"I(l11ldc<t or ~lI'cludcd 1ft the ML5.1tyll.t~ 01 (f50rkC'('iM, l"l"oDlr.;rh"b tU~ I'"lOt lnc.tvd~ in ItI(\ "vn;;h,,:K"
tI"C9 or exct~od Itom IhQ t:.plc: 1,l,,1.:~;\ ~tlc:ltled fn.:tO Qf C.
9. If1::MS It<JCLUCt;,C ,,,, ~L~:
(1) All eXISTINC fj,ll;1IJr'ql) ilr-d fittlncc I:t\~t :Jr~ ~loCl'ted to tno Prootlfo/:
O:J L'KI',;fll\Q ~""'~fICl'lI. m,.,....,on,CAI. llQhtu'ta. orumbrnQ OfUJ hVil1V\Q filO.Urou. ulJ.ng (gnG, f1'"pl,l\)M I"cn.~. ODe to!]":l and Ot't:rtt:ltt.. ~c1ot :Y""..tl:m~
bu.r~fr\ oppl~aoae.s. Window .and door $(;recns. :aW'l1I'lg~. :!;huUe~, Window COlJOt1nOO. nttad\nd rJaor cove-cing.!:, tel~I,,'lon Q~tcnl'\e~. ft,1Jtll~1U
diShOft. j:;Irtv3t& Int.~al;ed ~80hOf\e :;y~~.... If coo"'tWc:ortdltion~~ PQOVS:P::I eQl,Iipm.ent. g.f~D' (fDOI" o,ggno:li/rtJrnOl:U OI;OllUt;lb, tT1;l/lbox.
l(1""9lCund l1 n 0'5caoJ"Q. tr-eesr~hrut>•. ~t~1" W~~F1~~, w~\e' .,."rifial'1: • .c~ur~ ~"c:.fvmsJabnn.: nnd
()l Yhl!" fnl'lnwlnlJ' lto-mO)' _ _. . _ _~ -- _
(od) Seller rcp(Q'CQnl; t~;111 itefTtt I"duded ITt the PU~"'ll:SC pf'lCl:, ~nlllS6 OV'HWWjse 'pt!of1ed, are OoNned bY Self.8r.
(!:i) AI Il.-mlt il'tCfvdpd liM~ b<9 tnJn;::f",U"rt2I'n'P¢fFil7n~ .r\(f'MlrtOUt C~ ~~tT.nty.
G, ITEM!: rXCLUo, 0 'HOM SALE: ._.~ , - ~ _
£]/
Imlllit~'!J,}'''''~ ~'bl" ::ohu\i n.,vc: WClh!t(. "Q~ ~tectrlcty and an aper.e.b).e pilOt fJ!iJt\'" QI) tor ellYers 1n\'QRg.~Qns ~1lI11.hrwg" (nO 0'8tO ~o:aceaKln 1:-
madOQ"'DII.:.b!<o to BYY"'f
RUy~r ,"'t..,~\~~~.-.~
..
S~ller·)lmtQJ".( '--""')( . l~-
~;:~~~~'~~~O~:''1g~~;g:~~;SJ~~~M110'-lO~ Qr:A..TOA5*.ING It\w~bv Out. ~ ~~
CALIFORNIA R.F~~ron"'TLAL PU~HA.!lFACRF.FMFkT (RPA..CA pAGe ~ or D) TC?Y-fJJ;lO,7.TX
152 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Oce 25 04 05,05p p.?
10. f.tePI\If<ti; R"c~:w" 'jtl.~ll oe ':Omp11it.ed cnor to !in~, ~riflCDtlo.n Qr c..onoit\<:l" unlOU ott\¢twl~ .lJ.nuq In wntIng. Rol!'~tl"'l 'It' be perltJrm.fJ' .:It 3eJ~r'~
~):OOn,,,,,,, mcay t>4l' p,:rtor",<"o Ov !:.'..oft<H" or ttlro..JO/'l O\tIOfG. provtdqO ttlDt In. wynrit eNnolut,4 wilh :r"D1Iobht UW. inelIJdlnO (lqvtrtnmonlrd p"mlll ;nOtU",cbo"
a 00 apptoval requ"em.n.... Rep.". s~.u M ~erlo"'l<ld in II gO«!, !Jdll(ul monn... ",~h malerlalS of Quality end oppellfanco eornP;~bte t'> ..1511119
",..",nato, • I~ ""ga,st""" mat ex.ct r~.tora!Jon of <llJpearnn01 or cosmetJc Items !011owin9 ~Q R..,a1f$ may nO! be [lOS.ibie. Sellor shalt In p~la.,
receIPt' ror RSPs,rs pertorrnfl<:l by Olher!t. (II) ore~tt 9 wrrtt6" SfOlt!n"lOl1t Indto.:Ju,")l'J 1ha Re~t~ I'('I'fOf'1'Nld by Se"~r Attct t~e ~tQl 0' ~eh Rep-,k'c:.nd
i ol " $VOV'df'l Cop','). nr 'f'oI;e1o>l.... .:Ina ~'\.:.I(.. lT'll.In~1! to Ruyc;:r'P:"\or to l1N1llJor'fieo.iol"\ of COf\dlttOn.
1'1. OUy~ INDCMNITY, AND 'I':LLt:R f'Rcrrr:ClIO/ll ~OR LNTl(v UI'ON PROPeRTY: Buyet Sh~": foliao/lP llI<! I'rop<!l!\! tree ~Nl ~Il! Of 1101\$: (Ii'
:~~03Ir!JII d:J~la~~ ~~lng from 3\Jl",:r Il'lvC'!olig:.'ltiont'.. o.nd (Hi) ind~nlfy .r1d hold SaUer h~mtl~::w from 011 '~ull.ll'lg l~brlityl C:tJ,I~. d'~mnrM, dl1~~'
;nd co!.\$. Buyer shall ~ny. Ot BlJy.r .sh~ll ~q\Jlre an:fQ~ ~oJno on BUYi!'C"'!i bl!'hfllf to c.:Irry. "oJle~ of linb1lity, WCrkol~' eof1"Ip"'''$~tion ~nd oltl~
;j:.I.::;lII'C;tlOIQ rnnvrn'1C'. OO(C"nQl"Q nnd Ofo~ctln!J SoeU8r :"rom 'iubdlty ror.!WlJ' Iflju(~ 10 COf~.on~ 01' proper1\Y "c:.ctJrnna cfut~ any 3uyt:'r InvM.tlg.lltJont. Of
VI!lfX aone ofllho ProPl'!rty ~t AUYAI"'$ dIrect"," pr,,,r to C~QO-O or
C~, GcllCf b D~h!kld that a"bln Pt'Ot-C1!OnS m.:!ly be ~tTutJtn1 3.)lIoa.r by li:)cQ.n:Ii"$' ...
'NQUC'e of Piorr-re~on=(OiJity~(C A.Ft, Form NNR) tor euyer II"t\.'e$tKJstiDos .nd work dona 01'1 tl'te Prctu!rty ~t alJYP"'"~ cHrAdb'l '9'J~r'""S obllqqUon..,
ullOet Itlo PiHa~CllO" ~hall thJr"\I:ve the Termln!lf1Qfl of tni~ A(1~&IT1e"t.
1~, nnrA""O~~"'~G:
1\. \M"~t'l!n 1,'\0 ~Iml) r.~t:"11lc,111'1 r:'f'1egr.:lph 14, Guyor sh~tl be Pte\lld"~d.tl ¢U!rcnt pt!l:hmi1'l4CY (tits.!) f~Port. wtlld"llX onJy an offeJ b;. tin: til~ ~t~( to
~'JUp. D poliCY of tltt!'o insur.anc:o .mel f'1'TD)/ nof c=nt.:!" (rv"fY iteM ~rfeotjn91ttfl':. a....tet'~ tcvlCN af th$ ~l"eIlmjnary rC()Ort 2:lnd' any OlJ)e( maUttr& wh~h
rnrty iJffud 1;IJ~ "rf" ~ ~Qrdin~~"c:)' of ~h AEfrC'Cme~ ~C :,)pt'Ci~t;d' In p.A(~raph H8,
e. Title' I~ Ilk,," In liS pl'('l'itmt ~nQj(Jnr. ""vhj~et to .11 f!J1eurntlranCi'\, ~:I!SomClntG, {,owen:lt\to. ocndlion'l, rcnlridict'l.!l. ~t., at'td otf'ltot m~'II'Or:., wf'lC'tllcr
of I'or;crd (U n-at, o..t5 of tt'IC de.le at AcClplVOOll t:Acept, (t) l'iloneliJry I.lt:~ c1'rec:ord unfe:ss BtJ)"ef is j}:)Gun'ltr'rg t"OSoe abllganons Of r.-kin.o ri"le PrOp9rtV
,ublec;( 10 1'0.., ObllSbnons .nd (oi) 1Il0><O mi'JlW$ wniCli SalJOl ~as .g""'d to r9m0V1S on wnung.
~, Wi'h,,",< '''''. ,poWl.d in paI<J9'oph 14"', 1lell8' nag 8 CUI)' to SI$c!OS& 10 Bwe! an l11alUlr! ~"own (0 Seiter a~ l~, whelner or """,ra or not
o. At CIQ~ Of L:"lC.fOW. Cluro)( .c.hwJ J'UC'Oiv. :t Q~ CS(O('d conv6j'tnc tltfe (Oi, <~ ~tO~ OQo~tryC' or fl)flQ· ...nn IC'OC>C Cl:1'l ••W:l'l9'T"lT\I>l'1t of ... ~"
U'.:'rt,fi~t.-: Of -:-! ;-.?JJ,,:,r~ 'coosehuld jf"<l!f'-.!), In~ludini ell, fTrI"~ CU'u1 wider rt;lrn:l lr CUttonlly ownl"¢ t'ty :..;.rilnr. riUO .,1\011 'w'c~t "" d~lOr'l~ ;1"1
(juye1"lI ~uf>9lemen!af t1~crow u'\~Vuc;.1101l:J. 'Tl-lE flAANNt;;t< 0": rAl'\1NG nn.E MAY HA~ ~K:iNlr·lCAN'J LeGAL AND TAX CONSEOUENces.
CONSULT AN APPROPRIATE "RO~E~IONI'L
E. BUY'4'f oVi.1I '.OOCllwlt :::I CL 7'AiALTA t4o."eowt1~;" PolIcy d ntlo l!lGuQnco.'" titJQ col'lTJ':!ny, ~ CUYC1"~ ('DqJJC:3t. ClIO provldo InfOrmation at!Out tl\e
n"'Oll;w;~I,., .,(".~Ir"billt)'. t"av~raQ'c. :md c.o~ of vw10uc t)tltl ine.,'OIneo UWO(~9~ tIf'¥d .ondo~rnent'j~ If Auy.r O~fil!l~ tiD<) OO'\tO(~Q'e oUHat tno.n lr\L"(
fCQc,WC'd by Ihlt. paf4gfapM, (JuYI:I' 5h;)III"~trul:1 E"iel~ HDfcfD" tn Wft'tU'Ig :Ina ptl), :lny If\CrCC1~ In 00:11.
'3. ""LEOr· !)Uy.,.,'~ P1001'1!R.T'(;
A. Thi2 A9~mon[ " NOT c.onungont uponlhe ,ale or any P(OP~ cwnuC' by 8U)"Cf".
O~~. 0 (If cheekfld)' Th(" .or.:lcnl'l(J "dOtl"X1um (G.A R. rotffl COpt fCQbrctan~ thtt oontit'l~onc:y tot me Ga\Q 01 proPro1Y OWN!'[! by Ouyc r 1.tt inootPor;:lI('lI3
,nr() \~"" A()f'.'~'llenl
14. ll.... r;; PEJ(IOOS: REMOVAL Of' CONTINGeNCIES; CANC'=UATION R1GHTS: Th. r"'''''''ng tlm~ ~ ~ may only b~ D......,Oc>d _.
rnodlfJed ar eh..-tgod bY' rn\1fupJ wrlttC"n :aVroomll:lRt. Arty ""'fJ1o,,",1 of cOf'tfnQ'.n~Q. or e:\nenll:ation under mb. potr-;;)IQf.::lph mu~ ba lIYritln~
153 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
UCt c::> U't U::>:Uop p.t!
1~. LIQUIOATED DAMAGeS; If Suyer I"il$ to complete thiS Pur~h;\Se lleCaU!le 01 Buy",',; ~of"UI\, Seller sh,,11 robin,
~s I!quid"tcd damaS<ls, the deposit actuaHy paler. If the Propert:>' is a dwelling with til) more than fOUf units, o"e
of which Buyor inlcnds to occuPy. men the amount retained sll,'" be no mor~ than 3% of tho purchase "ric:".
Any C>XCr.n51 !'nnn be r"mrn"<f to Buyer, Role",,\,; of fund:\ wlfl rcqulto mutual, Signed rll'lO<l$el~tnJc:li(lnt:from
both Buyar ,"'d S"lIor, juaici:ll decision or arllluation awa • BUYER ANO SElLER SHALL SIGN A SEPARATE
L1QUIDAT£:O DAMAGES PROVISION FOR ANY INC~ DEPOSIT. CC.A.R. FORM RIO) ~ r--=
. / Buy.rs'nili.a18 (____ .$c.tfartafnlt.1ol~ _ . ~----l
17. DISPUTE RESOlU"Of;;
A. MEOlAnON: Buyer a"d Sellr' tlOMe- to !Tl@dl"ts lJrT'i dlll;J\Jte O( d"lm OnclflQ befWO&tI Ulem out 1,)'
this Agf'Cc:l"l'\t:I'ft. 0/ ;,ny (GI",nir'19 (a1r'l".SC1dIot\.
bQf:1fC' (<!'(..OilIng to ""rD'Ir:)~O(1 or court a.nlon puri'9r~"'" 1~'=?J "'tid (::2} b~lO'N owtv wnethe,
or not !tiC' "r~h' .. Uun 1J10~h)(1 C, \ffirn.'-d. M~\Q:tIO(l
f006 rt aflY, '311at1 he drVrded oqll.Uy "r:"l(HI] tl'1e- P.;f,I't'C''$ Inv(ll~. If, t'Or ilny Ont"ulf or drUm (0 wnld'l t"ll\ p.....ocr~.cn ~ppltn.~ . .Df'I\o' p2rty tlImrnenCCl~
(11'1 ~diol"l wl1.hQvI. ~~t cttCtTJptU"Jg to r~O!ve cne mane, ltuougn medfatloo, or refuses [!J I'J'ledjate after a request hOlt'- ~een rna(l(), tkoon O'l1l.t p~~
~h:.' not bl"l .lnllt\4':ef to r('r::DV'I( :lft'omr')' fed, aV6t\ K thh' would O1~.tWis& be DV8~'bJ.e to 1f1at p,arty In s~y glJeh aetfM. TH(S MEOlATlON.
""'OVI~ION APPUr.t. WHErner- Of~ "10'" "'I1C AAOITAAnOI'l PROVISION IS INJl'IALED.
8. AI'lBITRI\:nON Of DISpu....fS: (1) eUyor and Sellllr .,grcc that OIlJy disputo or cbim In L~w or equity "ri,.ing
betwren tllem ovt of this Allr..... mlml or ~ny rosulting lr.m"-1ction, which III not 911W,", through mediation,
"11,,11 bn decidl><i by ""ulral, bindIng ;lrbllr:ltlon, Including and :subject to pat:1grapM 17B(Z) and (3) below.
The .rbilrolltor ",1>,,11 be :0 ,..tif(,ld ju<lgo or jU>ltico, <lr ilIn :ltto.n.y with ~ len"t ~ yean Of rot<•.,entJal ....al ....toot<>
Law experience. unless tile parties mutu4I\lfy 3greo to a diftllrom "rbifr"tor, wt'ao ~ha" roPder ,lilt .lward in
aceordaooe with substanfive C;tlirornl" law. The ~rf.lt'$ ,.hall "ave tho right to di!;covory io accordance With
Cahforni<J Cod" of Civil Pro""dur" §1283.0S. 'n all olh<lr ""'peet:l, Ihe ill'bitratiOn $haU t>e conducted 10
..eeord"nce with Toll.. 9 of Part 11/ of the: G'llif<lfnU, Cod+ 01 Chili Procoduro. Judgment upon ttle aWl'rd 0' th~
lIrbltraWr(s) lTlay be entereeJ I"to any court having Juri"dlctlon. Inlerprcl:ltlon of thIs agreement to arbitrate
Shall be goveme(l by the Fe<l"ral Arbitratlon Acl
(2) £XC.c..u:itCN.,.'\ f'AONI MEOIAY,ON AND A~61YRA.nON: ThJl I'.)JlQ"IYintllt1:rti"1"1~ AU. C1i1of'dudAd from ~I"l .anti UItIltl"aVoo; <I) g )udlcC"r
or t\o~,uo.e'". tQMoe;lQt:tUI'lQo ()r ot.l'lOr .)OtlQr"l or pJ"OoOOadh"l!;J to ('I"rOf'Cof; ~ doCd or tn~ rnor1gp9'O' or In~lr""Ol'\tt3l"\d GAto cat'lU'2iet.» ~rJt11)d
In CillifoQml. Civil Co4. §29~5: (iiJ ~n unlJowful tIe... ;""r 'oll.",; (lin the flllng or .nrorcem9nt of.~ mse:t\llnlc\s IIsn: ano rrv) any tm!blt mat
151- wtt,hin the jUrUdietiQrol1 0' ~ p'I"(\~f'p, ~rn::tn e.I;r1l'n-ol: ~ t:l_t*f'\rptc:y' court. Tl"lc tiline of. court. acf;ion to o"al:1le me- l"8eordlng at i! notlce cf
,,'H'u1IMQ ~11~t1. Inc cJrrl.r nr ""~hmc.,t. rccolvcf"';JhlQ, InlL.mctlOtI, or othe'f proV;'fo~' remC\d,", ~" 'lQt consUbJir .. ...r.I~ of '"fit
1"'OQ'I,fI1lI(J(lO .Inti ,.l'bftr...ho", p(Ovn.lon~.
F~' BROrtt:.nS: Bu)'_ a-nd 5etlf:( agsl10 to mediate anl;l .,rblhla dl3putcs 01' d.;i,tt'\,s ,rwolvlna OJthCif O( tlOlh EstO-liol"'l$, con6f£teI'\t WTf,h n A
,:"d B, 01OVIdod' elene, or botH 8rckani shall havE! 3(.lhX'd to such lY'41'db.fJon 01' :vbllntlon prior tn, or withJn a roo::sonl1blb tllno 3ltDr, 1M
tlJOQutle' ot' clDlm l!t Drt!!;..Gntt!:d to RrO\(R"". Afl)' .I"ednn by ~lthAr nr both Brokcr.f. to pRrtlGipntA 10 mcdJ..tiOn (If t.Ifbitr..tJon r"h..olt nQ[ rt'5uN:
In,Brolt'!,.. baing d~etned pcrti~~ tu- tMt Aos""""'Ol:rnt.'11t.
"NOTICE: BY INITIALING IN THE SPACE BELOW YOU ARe AGR€EI~G TO HAve ANY DISPUTE
ARI:;;lNG OUT OF THE MAnERS ("'CLUDEO IN ,HE 'AR.9rTRATlON OF OISPlJTES' PROVISION DECIDeD BY
NEUTRAL ARBITRA T[ON AS PROVIDED BY CALIFORNIA LAW AND YOU ARC GIVING UP I\NY RIGHTS YOU
MICHl" POSSl::SS TO HAVE THe DISPUTE LIilGAYED IN A COURT OR JURY TRIAL. 8Y INITIALING fN "THe
SPACE BELOW YOU ARe GIVING UP YOUR JUDICIAL RlGJolTS TO DISCOVERY AND APPeAL, UNLESS
THOSE RIGHTS AKE SPI::C1FICALLY INCLuceo IN THE 'AR8lTRATION OF O'SPl/TFS' PROVISION. IF YOU
REfUSE TO SUBuIT TO ARCITRA,TION AFTER AGReEING TO THIS PROVISION, you MAY DE COMPELLEO
TO ARBITRATE: UNDER THE AUTHORITY OF THE CAUFORNIA CODE OF CIVIL PROCF.OORE. YOUR
AGREEMENT TO THIS A~BlTRA710111 PROVISION 15 VOLUNTARY."
"WE HAVE READ AND lJNDl:RSTANO THe FOREGOING ANI) AGRa: TO SUe-MlT IJISPUTES A.R1SING
OliT OF THE MAnERS INCLUOF.O IN THE 'ARBITRATION or: DISPUTES' PROVISION TO NEU1RA.L
AR81TJ:(ATI01ol"
. . .!'uye~~ IlIln",. r---·------·----
, _ _. _
~yt:f':> InitJ~I~'
Seifer, InitlA" (
CQ~"\lm ib 1 n.,.]On, CALlI'"OHN(A A~.:t"OCV!."'~N 01= RtAl ro~. INC.
nPA·CA "81'~l'1) 1010~ (PACe 0 Of 01 11~fl....,~""'"'';''';~by~~~=====:2.!!!.....====-:=o,_
CI\L1I"'D'RNIA R..,C!;,IOCNT'lAL P\.JRCJ.tA8E AC~.f:MId\,jT(PrJJ\-eA PA~r.' ~ 0': II) r(\~~·".,o.l'.J.)\
154 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
uoe ~~ u't U::':Ubp p.~
1roDerry AaC:rr.~:$: ~".ct ,"'If' YIP nt'7.C"r) y "-1 ~:5 .....~o2A1.;z Dc.fe~ ~~.t.L.:4k~"'.Ut..-~
tll. P~ORATIONS OF PROPERTY TAXES ANI) OTHER ITEMS; Unless QthClWi:le agreed In writing. !he foUowing ~ems GnaU bo PAID
cuRRENT "nd ~ror8ted QOlWeen 9uY'" and :len.,l "" of Closo Ot E"I;TOW; r~ OI'OP'"'rty 1""es an(! a~~o~smenlJl. 'n\e"'.t. rents.
HOA ~uljr :'1ll1C1Ill ... ,1<1 omerQonq duo~ ~no ~~O&oom"r\l' Impor-ad pr',or :0 C/obe 01 E:~CfOW. p~rnium$ on tnr.ur.1tlCC o~~=ed
D~ Buyor, paYr'l"lent::; on bonds 3f'd assessm~nt-: ~~umed by £hzyel'. ana p3vm&I1'~ on MfJdo.Roo~ ana Othnr Sp~ci.J1 A$S@!".!:mell1
DI"bl~ bond.. fUld "<>s~sml'nts thot Bre flOW lllietl. Tne> fOlloWing items shall be ~~surn"d by Buyer WTHOUT CREDIT loward lhe
p",Chllse pM.,..: O«Ha\'ld ~ym~ntc on M",llo-Roo~ nnd <Jt~, $p<>oal A....SS['rl()(\t DI$!llct bQnd!> as.<eum"I\tS aM HOA "?~ ""a
m.e~>rt1Q*. Ih"1 ~(O nOlv" lI"n but nol yOI duo. P"'P"rty waf ba ....~.""~Ocd uaM CrI<J"!lO of owner''''Q. My ~l1PCI"m~n!;,' la. b",~
~h81 ~e 03id a" foUows: H) tor pcnod. a~(!( Do ... or E!lCTOW. by Buytr. !lrI(j (ill tot petiod5 pnor 10 CIO~ Of c.crQW, by Seller. ,AX
8'~LS ISSVED AFTER CLOS£ OF" ESCROW SHAL~ SE: HANDLeO DIReCT!.Y BgnvE;EN BUYER ANe 8Cl..lER. P",raliQfl5 shall
b. mace b:..ed on ~ 3~d,,\, rnonlll
9. Wln,HOLOING TAXES: SoUo, ~na Buyer ••gm" 10 nxecutc oD)' inW\Jm"n!. ~l!idnvd, ~talcmcnl or ,n,lruetiOl\ ro"~.on,,bly n.. c.... ""'Y
'0 comply,..it" fooora' «(,,,,,-,rA) ana California Wllh"old,ng ~ilW, ,f "'Gul'eo (e.A.I'<. Forms A$ "no AElI.
'0. MUL'tlt'\.E '-'S'!'t~1G S!o"'F.'/lCE '''MLS''): Blor.er:> B""
auinorized ttl '@port to Ihe MLS .. pending sale and. upon ClOse Of Es""'..... llle
I",m~ or 1hi.. tran"~c;ion 10 be publlstleo and di?'011lT1inatetl '" pNCOnS "nd .,nlllkn ~ulhorl>:..o to use the Inform:>tJon on term,
~PP"ovt:'"d by the M'-~.
t. EQUAL 110U5lNC OPPORTUNITY: Th9 Pr()~rty IS s(lId in eompl!acro wilt! ft>deral. 61,"":>nd localanti·dlacriminllUon Law'.
:2. A rrORNEY J:F.F.9: In ;'Joy aetlon. proceedine. 01" al"bitr3tlon bQtw&en Buyer and .setler afi~inQ out or 1Jll:; A9r~menr. tnB pN)\(;JLJing
nove, 0< S911~, ,hgll oe enll1l"d 10 c09sonab/. ~tlOm"y tee~ 0Ifl(J COS1G ftom In" nOl1'Pte~";Gng Buy'" Of' s"l!cr. ""ceol a~ provldca In
P"",grJJph17....
3. Sf'LECTlON OF SERVICE PROVlDER~ 11' Broker, r.,for Buyer or Seller 10 pe~. "eMorn. or 'ef\lu:e Df prnduet p;ovid...
(·ProVider~·'. J:jrOker. do not guaran!9l>lhe perfonna'll:<> of ony P,ovit;1..,,,. Buyer an~ Seller mllY ~AlQCt ANY ProvlOO<"o 01 tl1elr own
Cl'loo~(ng.
a n""E OF r:SSENCr; rNTlRE CONTRACT; CHANCF.S: Time i~ 01 1J1~ Qlll'Once. All und"""Mdin,,~ bdw..", th" p~njco <"e
iflcOlPorated In Ihi' Aqreen>enf. It~ terms ar" II1letldetl by 1M Pillti"; .:let a (If'IlIl. complete and ""du<""o expres~on of trel
Agreemenl with ,,,,,peer:o II. ~ubJ"et matt"r. and may nol t>P. COOlr.1di<;1od by ,""ldeMCe o( llny prjor al;}"'¢fT1cnl 01 conlempor..ncouS
0",1 agreemenT. If on" prO'lOlo" 01 tflis Aor<!4lmcnt IS h"ld to DC Ine1'lectiVl? or mVolld. Ihr: r<:m3inlng plOl/Inlan3 wi~ neYftrth"le"~ \)e
Given tlJU foree .and atfod.. No\t'ne-r thlf,j. I\.qt04lMOYrt nOt Sl\y PTOVIt,lon 1ft it "Hi'" b ... ox.tonde-d. amended, 1"l1OClf leod, .:llttll"'C'd Ot
oh"'900. "",,cap' in wn!ing S{gnc6 by Buy.r :lnd SeU"r.
5. Offl!!(R TER1\'IS AND CONOITIONS. Ineluding ,,<tacked Supplemenl:<:
A. p"-~.l''''' In~~.o'Y lC~.£.~m_8IN-;=.--:===.LC==:::::::- ' ~__- __-
D. d:J::§!l;l;L~C."'~':'1Addcndu.!!:'...(C A.N. f-o"", Pile' t='!?lI!1'ph numb....."": L_~_---:-_-:'--=---
C, SPl!pc cO' SPY ~~~~t:iJ iQ .. n ....""'me age toe..' MSce8d'?J' (t-., polJrcRPet 0::1" c:hf! (2!a.l
~45(J1 pr...~llg :18 ~.nt c.b!te bnypr bt'!.Ids: a ~l;L#'oN" p... ",,'l t',t:.1te Worm' ...
155 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
uoc ~~ u~ U~IU'P P' 1 U
:7. AGENCY'.
A. DI!;;CLOSURE: Buyer 3M Sell'" ,,:ld1 ackrlowlcd>l~ pnor receipt of CAR. Fotm "'0 'OlsGlOwre R"lJ<lrdlt'lg RQ;l1 E$fMc All"ncy
j':~J_rl""~'O$.·
13. POT~NTJAU. Y COMPCTING BUyeRS AJJO sEl.LERS, 811)'er and 5ell~r each a~nowl"l1ge receipt of Q disci""",,, O( the
po~slblf/(y Of mU'liple r~preSen~lion oy the BroKe. repre~~ting tI1at pnm:Jpal. Thi>: Q'sdosun> may be ~tl or a lI'tillQ "9Ie~r,
btJy.r-broxe r ;lq'()~mQnr Dr sopar;ot" OOOJrn~'f\t (CAR. Form 01'1). Buy"r Und"r.ll.:lllds t~OI 8rOX9r rcpfltS"nllnS/ DU~ may ~Ioo
mprese1H ot~cr pOlenll,~' buydr~,. wno may ~.idor, We ~ on or uiUm.te1y acquire the Property. s..JUlT Und~tlnd. ~11~t
Brol\er repre>oel\tino Seller may "\50 represel'1t other sellers with cotnpeung propertl.e& of ;010=110 tn'lS 5uyer.
C. CONFIRMAnoN: Th~ fOl/owinO ogelley TelaliotlGl1Ijv.< ~rp I1efeby confirmed rar thi~ rran~elion:
L,~ing "gent .. __ c"~~,r (Porn Firm Name) I. t~" ~\IcC\t
of (cllecJ< one,: 12l ~"" Seller e>«:lusivery: <X 0 bolll the Suyer -and Sellor,
Selling Ag6lT ___ _G,J..1J..ffh!!!..'3d trip &altar8 _ (IOrint Firm N"",,,) (If nol ""m~
~o lbUnO Aqenl) I. tn" ~!Jent 01 (,," .. cI< oru»: m tilt' tluyer l'!Xclulllv<:ly: or 0 1Il<.' S.. llcr eXCI~"rJy: or 0 00th rh~ (luyor nod
SoUer. R~aJ e,totf.' Elro,cro. ..", not P3f'lles 10 Iho Ailr"emt>nl between Buyer end SQtH:r.
IS. JOINT eSCROW INSTRVCTIONS TO ESCROW HOLDER:
A. The follo,.,l11\1 plIr;osr"phs. or "ppllcable por1lonll.thcre04', "f Ihi:> A!l~mt'nC constitute tM jOillt e50fOW Im,truet,ons of
RUYllr ;onCl s..1I~r to es~'DW Holo"r, wh<J:I\ C=ro.... Holder I" U) use along WltII any ror"led eounlor O1l<lr" end "d(jcnd~, 'nO 'ny
Mdrtion,,' muwsl Inwur:tions to close tMe escre>oN: 1, 2. -4, 12. 138, 14E. 19. 19, 2.04. 2~ i>nd C. :la, 28, 29. 32A. JS and
Ds'sgr.'ph 0 of tnt' "eerlon ,llI.,O Re", EGt;o\Il Bros<rr:; Qn p~ge ~ If .. Copy of tho ,"C)srate eompe~t1ol\ 3Il'eemp.n1(5) prevlcl""
for 1('1 j);'lf"llgroph 20 o~ 3:2A or pl)1"bgrZlph D of 'the :'t¢ctiOIl trtilld Roal ~ tsrok,el"'lo 00 p~gq e i~ dqp~d W11h E'QClO'-Y Hotd"r
by !:l'ok"'r. ,,"scrow Ho,~ ~n~W =pt .ucn ~9r""me"1(.> <1M payout ItOm f3uy.... ~ Of' Sellor's funds. or bQth, 9,. epplie..bla, til<>
8rok"'-5 <omoen&"r,OI'\ c/O'Med fOr in ~ucl'1 agre-..nt(s), The l"ons and c:.onOitio"1o of lhl" AQ",emOnl nol "'" 10m In IN>
r.pl>Cir,eCl p;>rog,..pn~ "re ;ocdlll(>na, m"l1or.& tor tnq lr1rOIm~bon of Esorow HOlaor. bul "bout Which E:;CtOW HoldC'l' ,.,..Q<ll nol b"
cone.rMc!. Buyer .>nd Soller will n:=u() Es"O'V Ho'<lar'~ g"nellli llrovi;;iQl16 CliNlClly (tom f2lerow HoldCf 01\01 will "","clJ\l:l ~UCl'l
(lrovl~'o"" Ullon E,c,,,,,, Heldars .... q"e£t To tile e.rrl>nt the geneml ~roviSlo"" oro inccm:launl Or canlltd wfth this As=ment.
Ih~ !)Qneral O'CVI~lon" will oontrOI3$ 10 Ih~ olltles ano obliQ<Jtio"" of ,"ccrow HO!(fc:r ""Iy. Buyer and S"Uo( wiB ex"cute a<llj~ronnJ
In~tf\..lct;ons. dOClJl1"'\(\nt~ and to(m~ prOVldctO by ~e.a(OW }-(O-:dOT tM:d' tilrTt ro.:atco!1nt)iy noce~~ry to c:lo~1O tht' cCO"'OW.
e. A CODY o( thl~ Agreement .hall I)(l del,"",ed 10 Esctow Hold.r wlthi" 3 bU':!>lClesli cmy. after Acedpl~"ce
(or i:J __ . ). 91J)'.... <tnd Seller auth6rlZo EoC'Vw
Holclnr to ;>cccpl nn(l ",Iv ~n CopIes Md 31~Ml\J(¢G as dnr,n~a in Il1is A.<)"'<>tT1ent = origin~ID. \0 opan =ow Oln(j for olhqr
Dufpo:Je31 df ~SCtOw. The v;:.rldlty ot thiS A()r~ment 3~ betw'een Auy., and SafJrr 1'5 not :l'trnde-d by \M'lcth$( or wn,m t.SCfOW
Holder SI9"" thIs, Agreem~.
C. l'lroker$ (Jo(~ n pm1y 10 Iho ""crow for Ihp oole purpo~. of comoen~~tion pursuom 10 p~r"'!lropna 1.9, x>A llll(1 p:lrn9'~pIJ 0 of the
~O<:I.,n lJUetJ ~¢"I L:~tal!! O"'ker> on P-"D" 8. BUy", and Sellor irrevOCOlbly .:l,,~i91'1 to e"'l<er~ r,Qmpen~DIIO" cpc:c,fiOO '"
p",,,sr,,pM ~9 and ::l2A, ro~peCIJvC!lY. and ureVllOObly tnslnJet E()Cf'QIN HOld.... to clSbu/SC thos.e fU"ds lD Broi<..rn at CIIY.'" O(
ES=i OJ pu"u~rn 10 any <:Mer m""';>Jly e~eC\ned eaf\""n:allon agr"l!lT\!>tI\. CO~I'll"l"allon InstltlC'\;ons C3n be amtmdod or
'ovokod only wiln Ih"'Jlrillon con~e"l 01 8,okcr~. E~crow Holder ~~I il'r'lrnl,\dJolc/y Ilotify Rlo~Qf5: <I) if Su~~ inll..1 or :my
.""'dh,onal d"PO"11 is nol m~de pU!"Su""l 10 IIlls I\Qleemellt. or I~ 1101 good :)1 tim.: Or deposit W1ln E::.crow H<ltJ:ler; or (ii) If euyer
"no Seller In,t·ud E1;CtQW HOlder to cancel ~ow. .
D. A Copy of B~Y am"ndme~1 lh;>1 "tt<las .any p"r~gr;lph of this Agrw<:menl 'or which r:I:CC_ HOlljCI 13 rc.pon,;,ibl" $haU be
dorlvered 10 Eo;;ef"O\lV Holdor with,n 2 bv~i7"l.t"l~:I; d~yS mtt".t mutu~l Q>cce(rtjon Of tho \:IJ'McndlT\t':nt.
l. BROKER COMPENSATIOIII FROM BUyeR: II .ppllcablc::. upoo Close Of ~OW, tJuyer agrees to pay compenMlico to BroK." ~&
3pnciflf\d in a sopar:;;J\e V/c1l\on ~groement between Buyur and Broke1.
I. T~II\MS AND COIllCI'I10N3 OF OFFER:
Tn.. IS Qn olf~r 10 pu"'''=e tM Prof'Or!Y on t~" above 1erm_ and conditlOM. All p~ra(jr.. p1'l5 with ~ElCeS for inllml. by Buyer and
Sellec" arC' incorpora1et'd in tills As:.reemeflt only d lnt[~ed 17-Y Stn partiR&;. rr 31t le~ on. but not .oJ! parties Initial. a COf,Jflter offer J!J
"'o"I'''d unIil 'Ilft"'ment '. ",~chod. Seller h~& the ~nI 10 otlobnue 10 Oft", th" I'rOP,"1y (or .,,10 JI'lQ to oeoQPI ,)ny otn"r ot'll!r;,1 ~ny
ume pnor !o f1olil/c"u.cm rj{ A~ptemu:::. Buyer hCiS feud "nd acknOW1D(.1g.S rec"pI: of :1 Copy of tho Ol[8( ,;lnd .;Jg(~ 10 the abmtQl
confirmation 01 aooney rel<lllo"shjp~. If this otlsr is ~CC<lpled Qnd 6UY<lr suboscqvontJy defDUIb. Buy"r '""Y be 'e&p¢!\Oibfe for
oavrnent 01 6'·OK"..· COlncen.:otlon. Thill Agr.".ment and illlY llUppNm<m\. add,Odum 0< mCJdi\lCi1l0n. IneluOing 'iony CoPy. may b"
SI'}O~d I" twO 0" mOnt countof'p.,)f'ts,. .:JU of whietl1,;.h3" cOf'lhUt1Jtco one ;)nO trlC $;ItrUJ Wtitinl~.
156 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Uo~ ~b U~ UblUIP p. 11
~~7~~' ..IP;:rl:::n:;I-.:_=::"'::------~----·-~--------
(Add.-o) - - - - - - - - -
, ) CONrtnMAnOr; OF AcCepTANCe; A Cocy 0/ S1Q""" A«co!4noe "'a~ """",nlilll' reClViod b~ ~"Y"" ()I' OUY"" oulMf"'''''
- '---vn"J,,~" oao'" on (".,") at _ 0 AM 0 I'M. A b1IlCfing A!I""'m<tnl.le e...Ml!ld Wl!efI
;r c,,~ 01 $19,:md' Aet'AlPt1ncc~. p('rf;.()"..-J1y rec.cJved by []uro,. or 6uy"l"':S .autho(~d ooent Whrilthor Of' not cot\f1rmed ir1
ttll'1 C)()cumotrt, Complotlon or \hrs conflnnJlUon i'!lI no1109'~lty r6quitM! in Or"dot \0 cro-;l:w it b'DO)!\S) Al:fJ",",oM; it Ie. ~01My
Intel'o<t~(J to ovldet1<:e _ d;)\o thaI Con!lI1llQ!ion 01 Aecelltonc,,'''''' ~currc...
REAl. esTATE BPlOKER$;
A. Re3l 1;1._,- e,oke", 3'" ""lv>rti•• to ltt.to "9'''''''''''''.botw....
8~, and ~.lIor.
O. Agone:y ('otOttlOMh,Pl;o':'fO COi'\rttmcd 4~ :IUU..oQ,(1 oo1rl1~r4ph '21.
C. /' :POGl1Ie<l ;n """"'°0" ~A. "'ac", ,..... ,u\)n'lIttBd tn.. offe, t«' ~uyor re",,~ of ""~03ll ""*"""'1edi/e3
O. COOPEftA rJ~Cl nROKcR COMPEN!iA,TJON: L~;1'l9 ~oker aQT9M to PQy Cooper3tlnQ P.rokc-r (Seiling Firm, 6104 CQ';l~ralit'l9 61'Of<.el Q9re~ \0
f\~OL out of u ~ Arokar's proceoo~ In ~\I{. (I} \r'IC 'OlIY'lO\,l.nt 'ipetl~tl In 'ttl_ MLS. O(Q.""dqd CQfJ~t;tln\.l n~( l'!o. a ~v.rtioigiilf'lt r)f \.h(' MLS In
w}1Id"l1h<l p(~rty ':" otTarod 'or #~I" or.l!l (~e;pro=j ML5; Of (II) r; <If
dlw~OO' tno ';U1"Ounl 5~." I., Q ~Pit1rate \,NfTtW-fI ~g~munt (CAR. J:orm
Gt$C1 hDtw~n LI5-tJn!J Otoker a...q ccopetath1g Ot'OJ(.,r,
Real t:stat"! ~~er (Sltlling FlTm) c.;..zl~"J:;.......
r,y •.
"-"G"'r...
"...
"J...:Ulo!L.J'Jl"'p""at./,;,l;t:"'a"'r'"',.
_._.. .•
____,,......,,......,-----:-c--------==----
l!iJ:;.i.oo~~Dote 2IlO.4'--
~~.
I
1
~r~1JI ~.;J_.¥.u,J..~.cL~t,I..L."i2.\"'y,Ji]J__ ~. City ~.J.""zt f,;t.te CJ\ 7.'£1 ~?-..tS' 1
Tc:.IQl'hoM (3IO).f 78- IO 'P_.. __ rllJ(' -'-12 ~ l RoO "1-9::1 78 ..,,""',,·"'~""""'P"'n.""'I.....
!!.mall jJWlJ_ . e"'="'_ 1
R.al Est.'" Crokol <~l>\'n. ~i""l q;.~"ll....2~~:,: __;:_::_:_-------------1
Oy . •_ _...,- . -:: D.'" -= 1
:~::~~n-rlE-.""'-· ;;--------------
~,e,,'W Molder l~ \,ce;;s;;o1l')l c~~fum:ilc:-a'O;-:e~~-&r1rr'<:·=--::O\-u-;I-:;CJ;::-:CQ;:-r-PQ-"'-
\h6 :C'io"'n"'s-::.O=-':-n-... -r-,.-"""-.=O:;-;;f\&"...,al"'Eo\a=-:'--:Io-•.......,U.,.""-n::'s,,::-:;:#,..------------
C_ _ : -. _) ~PCTION or o,Fr:R: No COl,lnt"r O~( i.a CQltlQ m.1do-. TDic oNor ~~ rlJ'V_h...cd und rCJoctlJO by :1t':llr.t Oft
·SBII..ro ,.. 1,.1.» (OaCel
157 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
UO"C ct> U"t U~:Uttp p, 1 <:::
C.1\llt'O(\['oIr"
"'~'()Cli\Tl0N
BUYER'S INSPECTION ADVISORY
Of P..r: .... J.'1 0 n..,:.'"
(C....R. Form BIA. Rov",e<j '0102l
_______ ~ ("Prop"rtY).
A. IMPORTANce OF PROPERTY INVf.SnCI\TION; Th. pnYZlcnl condi'i<>n of ,~" Innd Md ,mprov"ment" bcinn purm",,,;d I" no'
guarant~ed by Cltl-:IlJt S~!Jd( or aroker:t.. ~or this re':.H:.on, you stJould condUCt thoro~h irwcstig.a1ionlt of !hI:' Property po~ncHy and with
professiOnalS WhO should provid~ """\ten reports or Ihe.r Investigation•• A general pnpi<:;;31 ;",pection typlcnlly (1oell /lot cover ~II ~S~d'
or the Proporty n.r items ~lf~eting th.. ProPerty 'hat arc not phy.ICllny loeste<! on tne Property. If the profossiOMJ~ ,..comme<1d furth~r
InV~tllr~ttcn!3. i n c JuClir'l1 ~ reeomml"!nd:'\tton by ~ pn:u control opr.fmor to lr..ap~c:I ino<X:C':~~b'C!' .;l1"CQ&
Or t1'1n Property, yev ~hould contact
Qu~liflod e:ltparll: to ~Of)dUCl Suet"l ",,~oltlor'lCt' ,nve~tkJ6tlon$o.
O. DUYER RtGHT5 ANO DUnes; You have an ,ff,tlTlOlllv" dul)' II) e".,d<le re"~on"bI" eol'll to prulocl YO"'58Ir. in(.!uding dl)oov!1ry of
Illo '~gtll. ~'nctlalr und l«hm",,' 'mPI;Clltlon~ or discl<>sed ','d~. and lll~ Inv""~g"tion an<1 V0r,Oontton Of' Infom\~rlon und 11l~ 111"" yOu
~now or thl>t "re witI'lin your diCgent ;mention =0 Observation. The purcha'-' "srlKltTloot gives ytlu!he ''9h11O inue~igatll tl\lo Pl'Ope~y. II
you ex..rci,e (hiS rjghl ~nd ~'ou 'houlo. you mu:'lt do so in IIcccrtlance with thn t<lrms of th"f "9.....ment. This L" tho Dest .....a y for YOIl to
,rOT<l~t you,""lr. IT IS ,"xlm",,,ly ,mpoIVnl for you 10 road ..111 wril1en raport, provid~d by profe""ioniIJlS :;aM 10 d1~I:u" II'\~ .t>,ul\" o(
n~;pcctions Wflt' tho pr?fe~:rJol\''11 who comJuacd th~ 11\cpcaIOn. You nQ.... O lM~ right to MqLl~t lhat SoItor maJo.,r; (t:p.:''1rG. rorroctJonu or
~al(4.! o(J1Qf (Ir.:l>Ot"l Oq$~d ueO" Item6 di~vereo in youf ltl"e$l19ytlon~ or di'ScloSed t)y Softer. it SeHer l:s unwt.lling or lln.!1ble to satisfy your
'00"",15. or you do not want 10 purch:>s<: the I"rop<Sf1y '" its ~oJo.ed "nc dl5COV""'d con\lJllon, you have the tight 10 cancel lhe
'91'l'l<":flIent "you ~"t wlthi" .po;;cJnc tlm~ p ..nQda. II yeu 00 nOI cM,,~1 f/lO agreoemcnl In 9 timely ""d proper Mann..... roU rnay bO in
Jre~c~ or Cl)n'qlc::f
:. SELLER ItlGHTS AND CUTIES; Sellor '.. ~\Ijred to dl:iC!ose to you "",terial fllcl$ k"own to h~lh"r th.>t affect tho value 0'
10r••obJlity 0' 1I1~ Propo:rty. HO_v"'. 5ello. m~y nol b.. "w~r¢ or t1om" Prcpolty cofc~ 0' roncliliOn&. SeRer dO,,~ not hav" <.>lllig..tJo n ,or,
'0 inspttel tile property lor you. benelit not '" Sllllef c,bhS"'IQ" \e> ropillr, COlTecl or Othe1'Wl.., curt> knQWn dolectG tMt 0'" di:lclo~ed \0 you
lr pre~lausly unknown defe~ that are disco"""'d by you o'YDUr 1".ptJClors during .,.;crow. The oureh",,, egroement obllgJreS Seller to
"ake th.. ~loP~"Y allaJl"bl. to you for Inve.tig"tions.
). BROK.ER OflUGATIONS: erok",~ 00 not have ""l'ertise 'n all at""., ana Ihertrto'.. ""nnat adv~." you on many ilems••uct> .. ~ ooil
;r;>blli:)'. g8010glc or ~nv",anrnent<>l conc:!il;o",", ha;:.;or<!ouo or Illegal controllea SUt!S:JOnC<l';', SO'UCIlIral conditions o' U1e foundation ot O1her
mprovemef11s. nr ~h" c.o:1<:titicn 01 (I;" roof, plumbing. h",,\lng, all' """,<;Iit\of\ln~ e'edrlcal. ""wC(. Geplic. wa£\l:: di~'. or ?t~or cyolOlTl.
rh" onlV w:>.y to ,ccur"IOly d01ll1rmlf1" ,"t
conortlon ortht I'roP'!f1Y l':> lh"'''tln PIn Inoped/on by no l1PP'OpnDtlJ Ilroftoe<JOn;l1 ..IClCl<>d l;ly
IOU. II Dlok"r ~Iv~$ you ,nr"rr,,14 to ""en pror","'llonarS. BrokM o'o"~ not gw",~nt" !tIelr p<?rlO<TTlance. You m~y s!llCct ,,~ prote5S loMI
11 your choosing. In SdlJ<>.< Involvir)g residf'f1(I~1 dwellings wil~ nQ more than t'our unils, Brokers ".ve a dutY lQ rllllke " diiil:lcr\\ visual
n~pectl?n of Ine acce.s&lhl a ~r'(!l)~ 01 the Proparty en" to dl;ctoso me resulh1 of that inspedlon~ HowcYe1", a1S some Property d~fects of
;ondillon::; m:Jy not br- dl~covor ... blO from ~ VJ"V'" in:oJpoat,ir,;m. It 1. po~c.ib\g eroknfr> Jt(r(') not ~areo <if thom. II you navo .nt('lrcd inro ~
,",,!ten a~~err"nt .trlh a Erok"'. tho .p~ci1ie Ie""" of lhUT SQ'~_nt will determhe Ihc Mfure and c><tcnt or U1a\ Brol<Mc duly Ie you.
IOU ARE STROUGI.'( tl,DVlSEP 1'0 lIoNES'TIGATE "'HI! COKOfT'ION AHO SUITP.Wl.rTY OF ALL. ASPEc'1"S Of lHE PROFt:.RTY.U=
(OU DO NOT 00 $0, YOU ARE ACTING A ClAJNST THE AOVICI: OF BROKERS.
:. YOU ARE. ADVISED TO CONDUCT INVESTIGATIONS·Of' THE ENTIRE PROPERTY, INCLUOING, BUT NOT \.IMlreD TO THE
FOLLOWING:
1. GENERAL CONDITION OF THe: PROPl;RTY, 11''3 SYSTeMS AND COMPONeN1"S: FaundDtion. roor, Plumbing, he""i"g. nlr
con<;tjt:orIlO~. electricol. n\csChom~1. ~urrry. poor/np:I. «ner 'tfUCtVml :lnd non·stl\JC"(ur(l1 ~y.51em:J 3.oQ <::omponcnt"L. r.xtu(e~.
hUIIl-ln ~pphances. dny pC'3o"al oroporty Included rI1 til.. colo. ant! energy eflbency elThe Prop«rty. (SlruClur<l1 englnearG at" bo:st
svilc<llo "I?o\em>ine po~ble design or "o",rructlon dd.,,,,,,, and wnetl>or Improvements "It> r.t"'ClUr"'ly :;ound.)
2. SQUARI: FOOTA.G"'. ACe. OOUNDAnIES: Sql.l"f~ f00Y.'290. room dimon'lon'. lot ""'Ii'.
"llG or improvltrncnl:: ano bOundnr;",," Any
numurlCbI 't2ltemenl~ 'ClgarOln~ 1J',~" .. item, are APPl'lO)UMATIONS ONL'V and h....o not b""n vunfll'lO by Seller and caMe' b<;
voriflCd by BrOKers. FtJnc.:~. neagef-. WlIII:<, retaining ""l~ "na
oUTer nlItul'3J or constructed b~lflers 01 ml1~"" nOl nCOlO...",i y ao
Idenlify frU., P'oDel1y ho~na3';eS. (P",r".clonels s=h as: "pprais~, archll<lC\5. ~ufV"'Yo", .Il<l Clvd engln".".~ are be$t suited 10
dolorminll c.Qu~r. fool~Il~. dimenSion" onr1 counct,,,,i,,, nfth", p,.O~'W.)
_. WOOO OIOSmOYING PI'STS: !,,""~f)~ 0(. Or C(l1lO'llon~ r.Kely '0 IQ<ld TO the P"O"lJnoe 01 woO<! d".l1'tlyi~ ,,~.el~ .. nd olgBl'lig{fl/\
and otner In~SI"""n 0' Inr.c,ion. InSD"etJoll reports coverlll$l Ihd~ it\!Il1$ caJl be ocparale<t Into two ~ection$: S"Cllon 1 iaemiti~..
df,eC'lS whqfe infe:J:t&tion or ;n1cction Is ev;~< 31.octiOn 2 identit'ie1l .,)(f!'aS Vlf1er-l!!r lh~ are- coodifion!t Hkety to lead to infestation or
,nfection. A rCQlstemtj ~.truaurl:J1 OP.l\t c:ontrof compRny ~ be~C S.U.i1:~d tD ~erlorrT' th~b r"!i~etJon~.
ho e.o~yri911l ta~~ of !t'la UnlteCl Sl::lte:s (TJl18 17 U.S. Code) tOl1Jlct ttwI
~;I\J\I-rorcted r~nt~uqlQ" of thb. ~Ot"" 0 ( ;in')' gOf'tlcm U\f11160f, bol Pf\01DC'O\1Y
Ul~hlf'4 Of l'TI'\V cnt...,. rTlPCl"(\, jl'\r")v01nq I'nC!'llmIJol\! Qr ~mr:t\JtCllriJ:tld rOtmOlt...
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158 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Oo~ 25 04 05l0Sp p. 13
159 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
p. 1 't
!-''''<:j~ 14
3105507531
PAGE 12/13
Ct\t.'l'r:Of<.NIA
WOOD DESTROYING PEST INSPECTION AND
" S >0 C f r. T l (J N
OF n.._r,"ItTO~... 1II
ALLOCATION 01= COST ADOENDUM
(C.A.Q. l'<>lt'l WPA. Rc-JI-...l iOlO21
THE "'CLLOWING SHAU REPLACE 'HE WOOD DESTROYING PEST INSPECTION PARAGRAPH (4A in the Califomb
Residontl",l Pu,,::h<>:;e Agr~mont (RPA-CAl) and ~MII ,;upor<:coa [lny <:anlhcting terms In "ny p~ou4ry-9"n"r.11",d
"9reemel'\\:
D_ (SectIon 1) CJ Buyer ail Sellcr shall pOly lor work recommend<::ct 10 corrcc~ "Section 1- conctlf,ons """cribe" in lh"
Roport ~nd tho COSt of ;n:1peetlon. c"try and closIng of those inaccasttible are"" wht"re 2ctive intest3tion or Infection
I:; dI3COV""'d.
(S..ction 2) ~ Buy'" 0 5"II"r cn<ln pny tor \Vorl< rccomrnefided to correct "Soction 2" conolt/on$ describl?d in !ho
Report if rcquC6lecl ey Buyer.
o.V slgnlJ'\g Delow, mt> undc''''9l'\ed ;l.cknOwleClge. U'lat each has read. unller«t:lnd9 and hall: recaived a Cbpy 01 t1l1~
~ddendum. .
::,::,_ _ ~;:.O_O_'l_' _
JO.1ttl z~
3uyQr _ Se:~cr
-"e l:.'C"fIQflI n:s1Alto o~tr-"I)I~ .. ~ ~j.!h~' 1:Tltlf.1:' I}.r.. e~I1'\.X11it1: It\eu~n::E:r:d~~(;t..... (G:rn, Q(onv~~. b-J ,nc,OCl)py m,C'tm. vT ~fl'Y'r.1t\Q( tTh!If!U
rdl,lalng U1e~mlfQ or ~""O.III!II.(oQ !c,mr.t$. Co:Jy"O~ Q :lOO2:, CAU~OR~rA ASSOO"'TlON OF REAl.TOR:SSl. INC A.l.1. NIGHTS Re;et:KVL'O.
'HIS ~ORM "'S B'£'" """Q.QV!;O 0... ~,,~ CAUFonNlA A~OCIAT'ONOF 1lEA~ TO><~~ (CAI(.l. NO ReP'll'$CNTAOOJol IS l'AD1: liS TQ n<r. L~cAl. VALlDfTY O~
\uCOUAC"i Ot A~Y ppavt.:1Q1t,j IN .viY 3P1cClnC mAHS,A.C'nOli. 1\ A-C,AI. r.nTJ\~ Ol'tQ1<r.1t ,,~ THe l"1i1l.!;ON OVA,\,.U If 0 'TQ ~OV\r.;: "N pI.CAL r.,3.T'jI,1'C
"I'VV'JSACTtON;;' ,t' . . eu ~t::'I~ 1.f'iCAL 01=: TAX ADVlC.e. CCIN:\uLT "N A,f~(OPHlAn.;. PH()F"'~;SIO/'£tU
"~,.!"", toml ". olv~IIQle r"
u.e lrl ;no ctt'-'o I\!el C~EJtI,. .:l,Ol.n.uy 11 I": "0' '('~I'4~ ~ !dclUlIV 1"'\' UIef" llII II REALTORt!. k~ TORe to ,., "9.1~ GOHeC1r\1'e- memo.e,tlI'lf~ '"-I!o')j
,l"Ilcn rn.;J'/ b(-lJ3eQ O";Ty '".1)' m",..,tHlrr. ot II'.
NA"j'ONA~ AS.'OCtAiIOlll 0" I'ltliii.ALmR$3)~otJJ~ to Jh CoOt of E'.J'oCL
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_ _~OO OeStROYING PEST INSPECTlO"l AND ALLOCA11ON OF cOS. Aonl;NOUM IWPA PAGE; 1 OF 1)
Ao·"" N;v'. :1."",," Pt>o,...: (:llol"ia1~ F.~:(310) P"'p8relf W1"ll WI/4Fc...,.,r;4;) softwa....
8rokor: Cil/e~,., lJ. CriHd1 Ro~I,t.o,..,. 1~~ \Ne~t\NOOd 9''10. ~ l.r..lI An I}IQQ CA 9407.4
160 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Oct 25 04 as: 10" p. 15
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161 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
HOW ONE PURCHASE
.AGREEMENT BECAME
INTO THREE
Fax Transmission of Pages 1/8-8/8
October 22-25, 2004
I
-----------------------------------I
I #1 #2 #3 I
I I
Fax
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,10/22/04
~ I Countrywide I:
10/25/04 / I
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______________________________
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162 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
s
(L[/[ ~ 1 ~,t,0
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,,111 b"1
R£SiDENTlAL BROKERAGE
This Real Eslale Transfer Disclosure Statement is made pursuant to Seer ion 1102 of the Civil Code. Other statutes r¢quire disclosures, depending
upon the details of the particular real estate transaction (for example: SpeCial study zone and purchase-money liens on re.,jdenrial property).
Substituted Disclosures: The follOWing disclosures and other disclosures reguired hy law, including the Natural Haz.ard DisclDsure
Report/Statement that may mclude airport annoyance.', earthquake, /Ire. flood, Dr special assessment informadpn have or will be made in
connection with this real estate transfer and are intended to satisfY th, disclosure obligations Dn this fDrm where tHe SUb;~Cl malt~r IS the same.
C: In'pecrion repDrt completed pursuanr to the contract of .Iale or receipt for depo.liL
AddilionaJ inspection reports or disdosures: --------------- ---------+--
SELLER'S INFORMATION.
The Seller dlsJost:5 the fuUowing information with th~ knDwledge that cven though this IS not a warranty, prospeCtive Buyers may rely on lhis
information in dr:cid1l1g whether and on what terms tD purchase the subJect property. SelJcr hereby authorized any agent(s) representing any
prinClpal(s} in this transactiDn to provide a copy of this statement to any person Dr entity in connection With any "rIal
or anticipared sale of the
property.
THE FOllOWING ARE REPRESEl\lATIONS MADE BY THE SELLER(S) AND ARE NOT THE REPRESE.."HATIONS OF
THETGEN}, IF ANY. THIS INFORMATION IS A DISCLOSURE AND IS NOT INTENDED TO BE PART OF A.'lY
CON BETWEEN THE BUYER AND SEllER.
Seller ~__ is .~ is not occupying the ptoperty. r
A. .~._.h
_ n
bject property ha,§ the itcm5 check..Aclow (read across):
~;
. _ .
J crowavr
:::lZn..s ('Almpauor arbage D;~pos.J
--
:::.
w;uher
lasher/Dryer! lookups
'=~Bur ar Alarms -,- . moke DereclOr(s)
=
'
Rain GUllel$
::::: Fire Ajar .
=. Antenna
= :J Sa lIire Dish ~ lmer m ,
:~. nrral Heating
:::' 'all/Window Ajr Conditioningt.\() f~kJers
:?r~;';:~
~~ ~.~~L:-\~~
e a1 Air Condirioning
~,.u.-t
:::. porator Cooler(s)
- ublj( Scwet Srmm
.- Sepm T>.nk
r:: r.rio/DeckJng
'= S.unaTub
= Pump
=
Builr-.n B.rbecue ~
'W.m Softener
G=bo
Are rhere, to the best of vour (Seller's) knowledge, any of the above that are not in operating condition' YdffN"o
If yes, then describe. (Attach additional sheets if necessary.): ~ _
• ThLS &",~.g( door optnf'r 01 .:hdd rcsisum pool barrl(:( m~y not bt In <.:ompliilncr Wllh the 5o.lfrf)· ~t~J·h.iard1 rtl3.C1ng, tv ~UlomOiltc. r('"'Vt'Tilng de-.'lst"! all('T forth Ln CnlqJtt'r 11.5 (romrnl""ncint With Secclon
198~Qj or or
of PUl 3 JI"vi1lOn 1.3 of, or ""lth Iht poo; ~rf)' J(.nd;Hd~ of Ar1lCle 2.5 ((Omm~nC:lng wlth .)culon I : SCJ2D: of Ch~p((r ~ of r.ct 10 DI\'i~lon 104 o[ ~ Hr-1\d'1 il.Od S..fery Cud<. The wattr
he~:cr ma~ no, lK Olnc"nored. br;l(~d: or m_ppcd In _(cur<:uncc with Secflon 192\1 of the He~hh .md 's.Jcry Code. W,ndo.... $('CUTIty b~fS rruy not h:;l:v(" qUick
\l)l)'S Edition of (he: Cllirornl.l B\llld:ng S,.wdards Code
r,,11 rr.cchanism1 lJ) c:ompliam..c with lhe
~es~ N00
8. Flooding, drainage or gr..ding problems. . . .... . ... II [ir N
9 Major damage to the property or any of the structures from fire, earthquake, floods, or landslides. . I es ~
10. Any zoning violations, nonconforming uses, violations of "setback" requirements. . i Yes .~.
lL t-:eighborhood noise problems or other nuisances. . . . . . . . . .. ...... ... 5 Yes
12. CC&R's or other deed restrictions or obligations . . .... .... ...... .. c: Yes ~
13. Homeowner's Association which has any authority over the subject property. . ,- Yes ~:....., No
14. fuly "common area" (facilities such as pools, tennis courts, walkways, or other areas co-owned in ~
undivided interest with others). . . . . . . . . ... ........ !~ Yes
z
L > N00
15. Any notices of abatement or citations agalOst the property. . . . . ~ Yes
16. Any lawsuits by or against the seller threatening [Q or affecting this real property, including any lawsui ts
alleging a defect or deficiency in this realJ'rope~ or "common areas" (facilities such as pools, tcnhis
courts, walkways, or other areas co-owne In undlVlded IOreresr With others) ,_ .. ~ Yes :-~ No
~ If the answer ro,,;u:~. \.h$.Se is tach additJ9n~ ~h.\"ets if necessa Q~~ j:\w D M£.Tf\L-
'J p..~~ ~~~ 'f"'~LG-lIL/J.l...f.
/7
of cOllY 01 Th~ page, wtJjth~oosn
~
SWQ
fMe1PI 3PogtS ,----~--- OFfICf USE ONLY - - - - - - - .
BuytI'llniluJ~ : )el!e'\IMIais ( 1 : i
we' B.u1' ~ HuOlJ,,~ Opporr\lrllty G) ~,Itd '-0 'c:i::.:""..:wtd::.::...bot::..:::Bi=::...:.~.::~==-=========-~======~
....
I
THE UNDERSIGNED, BASED ON A REASONABLY COMPETENT A."l'D DILIGENT VISUAL 'INSPECTION OF THE
ACCESSIBLE AREAS OF THE PROPERTY, STATES THE FOLLOWING:
tZf
Agent notes no items for disclosure.
SAgent notes the following items: _
~~~~=-------- ~ k/!72~~
~,(f;, .~"~B'".'" \,~n,,"" ,
--=- !()-~y
D."
5. BUYER(S) AND SEU.ER(S) MAY WISH TO OBTAIN PROFESSIONAL ADVICE AND/OR INSPECTIQNS OF THE PROPERlY
AND TO PROVIDE FOR APPROPRIATE PROVISIONS IN A CONTRACT BElWEEN BUYER AND SEU..ER(S) WITH
,Itu ~~_' __
RESPECT TO ANY ADVICElINSPECTlONSIDEFECTS. I
~~ ;;~ENf.
~, ~
__ _ _--+------"'-.,_.. OPYOF THIS
@ ,
;:-------,,-----------~---
$(11(:1
SECTION 1102.3 OF THE CML CODE PROVIDES A BUYER WIlli THE RIGHT TO RESCIND A PURCHASE CONTRACT FOR
AT LEAST THREE DAYS AFTER THE DEliVERY OF THIS DISCLOSURE IF DELIVERY OCCURS AFTER THE SIGNING OF AN
OFFER TO PURCHASE. If YOU WISH TO RESCIND THE CONTRACT, YOU MUST ACT WITHIN THE PRESCRIBED PERIOD.
A REAL ESTATE BROKER IS QUALIFIED TO ADVISE ON REAL ESTATE. IF YOU DESIRE LEGAL ADYlS£, CONSULT YOUR
ATTORNEY.
0069
I. ~<cllcr foll~ng ndisclosures with regard [0 the real property ~m~n~a~u;~me described
;,., ---'..L~.....,~__=_---'~~=----...:'fL!OO::!~~~-k~~---------- siruared in ' . _
Counry of lO<>
~L..(-& ,California ('Property").
!
2. Are you (Seller) aware of any of the following' (Explain any "yes" amwers below in G.) ~
A. The Property is a condominium or located In a planned unit developmem or orher common Interest wbdfvision ~: 1r" G~ No
B. Insurance claims relating to the Prop"rry within the past 5 years... . ~es C No
Some' insurance companies have stopped writing homeowner's insurance policies in California as well as in ather states as a result of the
increa.le in claims including mold. Many insurance companies will nat write a homeowner's policy on. hume that ha.s had any mold or
wate'r intrusion claims within the last five years or other claims. Obtaining homeowner's insurance m.y be difficult, if not mar" expensive,
where eich"r the seUer or the buyer has mad" any claim including mold and/or water intrusion claim within ch" la.st five years. Sellers
should disclose 10 buyers all known insurance claims regarding the Property within rhe last fIve years ..nd nee~ to detail all past or present
cl,ums including water intrusion problems, even those that have heen fixed. Buyers should assure themselves that homeowner's insurance
can be obtained on the Propeny prior to removing their inspection and/or insurance contingency. Sellers bay be able to obtain this
information by contacting their insurance agent, or gOIng online ar wwwchoicetrust com Coldwell B.nker" however, Glnnor guarante"
the accuracy of the informatlon provided by elther (he sellers' insurance agem or (he website service. /
c.. Wllhm the last 3 years, (he death of an occupant of the Property upon the Property. .. .... . . f . . . . .... L:: Yn ~o
D. The follOWing disclosures (D (1-4») are made based upon Seller's knuv.ledge or -:::; (if checked) will not be made on thiS form~
an
II1steaJ wIll be made on an Independent third-parry repon: I
I. ~'hether the Properl)' IS located m a lOne or dlstnct allOWing manufacturing. .. . ...... .. [1 Yes ~~
2 Whether the Property IS located In .. LOne or district allOWing commercial use .. .~ Yes ~~
3. Whether the Propt:fty is located in a lOne or district allowing airport usc ...... ~-= Yes ~t>Io
4. ~11ether the Property is located Within 1 mile of a former federal or Slate ordinance location '.J Yes f}(~J>I6'
E. The Properry IS affected by a lOne or district allowing manufacturing, commercial or airport usc i..... LJ Yes ~N6
F The release of an illegal controlled substt!f on or beneath the Property................................... ] Yes No
C. Explanation or ~ (if checked) see attached f fr~i"f; ~ (jf,.f) ~ ~ OQJ.\ ~ • tJoltf t1
~floI"",\\ 00 1'0 Pn)N~ '0 ~Ob L-~
3. Seller represents that the informacion herein is [[ue and correct to the best of Seller's knowledge as of the date ,igned by Seller. Seller hereby
authorizes any agent(s) representing ..ny principal(s) In this transacrion to provide a copy of this statement to any person or emity in connection
with any aoual or antiCipated sale of the Property. These are represent;ltlOns made by rhe seller and are not the repre.>cnldtions of the agem(s).
This disclosure is a w amy of any kind by the seller or agent(s). Buyer is not to soldy rely on said disclosures and should inspect and
investigate to s ISfy themsclv . A real estate broker is qualified to advise on real estate transactions. If sdler or buyer desire legal advice, consult
an anorney
,)dle(
4 By slgnmg be o\\l(7each buyer acknowledges they have read. understand, .ccepr and received a copy uf tillS )eller Contractual & Supplemental
Statutory Dlscl~s form. (/ ~
(9 Bu.;'er
1( M.t "W~ /U/l!J-l
Daa Buyer D:l[l:
5<11"·'.'.g<ol ~
0070
Buyrr's ."'-gent DaH'
Mid-&chan~ Inc. Addlllun;J utTicmml .:h;;lt~rs (1300 ~r:c~1 S"'OO (or om rc!inquetcd :.lnd one rcpLiccmcnr pTQpcrry;
52)0 for c.ch. i1dd'll properry Addillon';u fees may
Acts ... " qualified Lnlermed",') for I RC 1031 Tax .ppl}, depending un sill' of tf;"n~rion
Deferred Exchanges
Property J.D.' California AdditIonal st'uIC:n1cnl ch:J.rgc:s (1,300 St'f ,t.sl $20;0,1:49 i
and/or Property I.D.· U.S.A. (V;HIC~ cicpcndtng on Vu: ~ of rcpon rtcjue$lcd and the
mC'rhoo of p"'ymcml. I
Researches and provides. pored-specific report
4(.cur;;udy disc..loiing intormauon to :. huy~r pursu.nr
to .pplic:lble I.w•.
BUlt'UW Esc""" Servia>. Proveuivc lid. St"alemcnlfC'Krow (. lUll on.
Company- Watland Eoauw Division. Warranry S100,000 ho~ BOO - $525
Escrow Company. IDe. and/a, WeR Coast EsClUW. S250,000 home S500 SB()O
SSOO,OOO home S900 ' SillS
Provides expert h,"dl;nt; of.ll delails in transferring ()ocunw:m prcpar.anun/procri\lng fres (I :05: SO· ssoo
the: pro~rry in .ccord.nu with th~ real Orale' contract
Equity ·lid. Company Purchuc of ownC'r\ or lenders pollc)" (; 108·; 110; for
SI 00.000 nom, S<92, S7j3
Provtdes ""chcs of publIC record, ,h.l bring to your S2S0,000 hom' S643, $1.234
menlion ,"y known problems with the property', title S500,000 hom' S990 SI,'XI2
~)~forc clo.stng, and Insure ag.ain~. loss dUl" 10 ccn:2in PUlchuc of lender's pOll')' ~,mu',I.anr()u~lr I~~ucd
I. Acm:u chargo may vary accordjng 10 th~ particular circulTlsunct~ undC'rlying (he tr ... n~2<..·(IOn, includ;n~ (he home v.!ue, covr:ragc and lilmm,. other r('qunlcd [~rms and
services. unu.su.J m.rket cunditiOlu, government regulation>, pIOperty location .od feotules .•nd other "mil", I'Ctot! KalC' m,y not be ,hr lowes, avail.bk .ndare ,ubjee!
to ch'nge. rOI • free, flU ubhg;>llon quote, pl= contact t~ camp.oy directly. \)I'here requJrcd b)' ,we low, current rate, for ,mu"nce arc f,Jed With the 'pplrable '"''
..Igcncy... nd depending upon the circumsLanc6. may vary (rom the rates shown ;,I,bowe
2. The lu.1O dl5counr fee/points. arc affccted by th~ noce r.re. Oeopcndtng upor. mark.l::( londJ{lons. [ht: Joan dl\.roun~ fC'~iP0InB ma~ be hlghcrto adjuSl for below m.arker raro
~, The~ arc other d'lJ.rgc Imposed In (anncetJOn wlch mongage' loan5. In add.lJon, a tender m.ay reqL;lll: rhe' Jse: uf OlhC'T service pcovldcn i"dudmg bu.t not limirt'd w an
,HlOrney. crcdlI feponlng agency or r~ ol.ate appr..iser chosen to represent the :ender's .nl~resr If you "prl)' 10 c.-l:hcr of .hc:5(, companies for a 10m, you Will receive
;;rddirlOnaJ mformation regarding antl[:lparcd charges
AJrhough nor affih.atcd bllSlnl:"S5 .rnngcmenB, please ;J5od natr the tollowlng: Lcrt .. ln Broker~ rr. .. rk~r r~t" (nki",,{"! BJ.nk~r Home: Protecrion Plw (.l.S }-J1Q . . ' ldtJ ;;rnd .l.dminlstcreod by
Combined SpeClalry Insurance Company) Vld ADT'& SecUfIC)' SC:fYICCS, 4.5 wdl a.~ mhrr producu J.nd !lcrviu!l Bro~('r, iu employees or H5 J.ffill.. rC(s) mOlY recejVe J. financJal or othrr
benefic 10 conn~etion with IlK products or servIces dcscri~d herrin.
8,';);;---
'-#-(.~iJ."j.'---.;~?'22'~'~=- - - L/
b ... "ct
COLD\X'ELl.- ~ANKlR· and COLD''ELl B-\!'-'KfR COMMERCW·;m' Icor;I1r~~ Tr~rru.:ks IILtnKd Ie: Cold""ell B.lnlo.CI b [../oulr C...lJI?,,>".ICIOfl FR..... • " ~ "t"twcrrd 1~..:iC'm:Hl( bl.Crwcd [c ER) f:lIlduJ,t SVl1crrn, Inc
{F.Nn;R.Y 71- LlI '~IJ\t"cd rr.&dctNriI ~lottrutli ttl Unl\io'}' ~1 Raj Wit Corpo"tkl,n
Ar f..q~ OpponUI\Il)' Compill11 G) t.q1al HOlUlnJ OpponUf1lry Owntod <1.I1l'! Opt-urN:! br StolT )~a:por"'ftd
\'C'2003 - 2002 ~Rr In<:off'(mlC'd ~I ri~u rocrvC"Ci. Rn_ ~ 2002
0071
167 / 745
AFFlLJATEO BUSINESS ARR"'~EMENT DISCLOSURE STATEMENT (PAGE 1 OF 1) BROKER
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~
~
RESIDE1'nA~ BROKERAGE
Coldwell Banker R~sid~nrial Brokerag~ ("Brok~r") may rep~senr more than on~ Buy~r or Sell~r provided rhe Brok~rlhas made a disclosure and
the principals have given their cons~nt. This mulriple repr~sentation can occur rhrough an individual licensed a5 a ~oker or through different
associate licensees acting for rhe Broker. The associare licensee may be working out of the same or different office loqations.
Broker. through its a5sociate licensee. may be working with many prospective buyers ar rhe same rime who may ha~ an interest in. and make
ofTers, on rhe same properties. some of which may be lisred wirh Broker and some may not. Broker will nor limit or resuict any particuJar buyer
from making an offer on any particular property wh~ther or not Broker represents other buyers Interesred In the same property.
Broker, through iu associate licensees. may have listings on many properties al the same rime. Broker will attempt to find buyers for each of those
Ijst~d properties some of which may appeal to the same prospective buyers, some properties may am act more prospectiv~ buyers than o,her5 and
some of these properties the Broker may be representing the buyer. Broker will market all lis[cd properties 10 all pr05pective buyers whether or
not Broker has other listed properties that may appeal ro ,he ~mc prospective buyers whether or nOl they alt: represented by Hroker.
Buyer and Seller acknowledges lhat Broker may represcnr prosp("ctive buyers of Seller's property, and/or may repre~nt selbs of property rhe
Buyer IS interested in acquiring. and may even represent bOlh buyer and seller on the same transaction. Buyer and SeUtr consent to Broker acring
as dual agent in ,hose transactions.
~o{e: See Disclosure Regarding Real Estate Agency Rdationships or Agency Disclosure
The undersigned acknowledges reaJing and understanding this Disclosure and Consent For Broker Representing More Than On~ Buyer or
Seller and agree to the disdos the possibility or existence of dual agency.
~
rJi
D'"
I l.u
.~ ~ - - - . _ - - - --~
_
0072
'.X'hen you enter rOlO a discussion with a re;ll .,tat< agent regarding a reaJ estate transaction, you should from the OUtset undeIHand what type of agency
rel.uionshlp or representation you WISh to have wim the .gent in rhe !fansaction,
SELLER'S AGENT
A Seller's agent under. listing agreement with the Seller actS as the agent for the Sdkr only. A Seller's agent or a subagent Qf mat agene ha5 the following
affirmative obligations:
To the Seller: A fiduciary duty of utmosr are, integrity, honesty, and loyalty in dealings with the Selier,
To the Buyer and rhe Seller:
a, Diligent exercise o( reasonable dull and care in performance of the agent's duttes.
b A duty of honest arld fair dealing and good faith.
e. A dury to disclose all facrs known to me agent materially affeCllrlg the value or desirability of rhe property rhat art nor known to, or within the
diligent attentIOn and observation of, rhe panies.
An agent 's nor obl,g.ted to r~ea1 to ellher party :my confidential information obtained from rhe other parry that docs no! involve the affirmative ducies
set f()fch above. '
BUYER'S AGENT
A sellmg agent can. with a Buy.-r's consent, agree to act as agent for the Buyer only. In these simat'ons, me agent is not the SeUer's agerlt, .-ven if by agreement
rhe agent may receive compensation for service, rendered, either in fuji Ol In part from the Selkr, An "b",m a"[Jng only (or a Burer has ,he following altirmmve
obligations:
To the Buyer: A flduclaly duty of utmost care, integrity, honesty, and loyalry in dealings wirh rhe Buyer.
To the Buyer and the Seller:
... Diligent eurcise of reasonable ,kill and care in performance of the agent's dunes.
b. A duty of honest and fair dealing and good faith.
e. A duty to disclose all raU> known [0 the agent materially affecring the value or desirabillt)· of rhe properry that art: not known to, at within the
diligent a[[entlon and observation of. the panics, An agent is not obligated to reveal [0 eirher party any confidential ~nformauon obrained from the
olher party d,.t docs nor lOvolve rhe amrmafl~e duties set forth above,
AGENT REPR.ESEr-.TJNG BOTH SEllER AND BUYER
A real ..,tate agenr, either aCling directly 01 through one or more associale I.censc", can legaJly be the a~ent of both the Sellet and the Buyer in a transaction,
but only wilh the knowledge and consent of borh the Seller and the Buyet
In a cluJ agency SHU.1I0n, the agem has rhe following affirmatiYe obligations to both the Seller and the Buyer:
•. A fiduciary Juty of utmost care, integrity, hontsty, and loyalry in dealings w;oh either Seller or rhe Buyer.
b, Other duries to rhe Seller and the Buyer as stated above in their respecrive sections.
In reprcsenling both Seller md Buver, rhe agent may not, wirhour the express permLSsion of the respecrive parry, dLSdose rb rhe other party th.t the Seller
will _ccepr a price less ,hat the listmg pme or that the Buyer will pay. price greater rhan the price offered.
rhe .bove dunes of the .gent in a real estate rransaction do not relieve a Seller or Buyer from [he responllbiliry to prorect his or her own interests. You should
cardi..Llly read all agreements to assure that they adequately express your undemanding of the transaction. A real eState agent is a person qualified to advise
.blJur real estate. If legal or tax adVIce IS dosired, comuJr a <:ampe!e", professional
Throughour your to,,1 propert) tr.OSdClion you may receiYe moro rh.n one disdosure form, depending upon the number of ag~nt5 assisting in rh~ tramaetion,
rhe Jaw requires coeh .gent with whom you hav~ more than a =ual relationship to present vou Ydth :he disclosuro form, You sh~uld read Irs COntents oach time
11 is presented !O you, considaing the rdationship betw'fn you and the re~1 e51ate agent in YOUt sp~cific transaction
-------- -------
Seller/lAndlord has no tecords or repom regardmg lead-based pain! and/or lead-based pam t hn>rds in the housing, except for: ~ _
- -. ._---- - - - - ~
Seller/lAndlord has proVided BUY'er/Tenant the government pamphlet "Protect Your Family From Lead ill Your Home" or an e9~jvalen[ pamphlet that has becn
approved by the Srate Environ menta.! Protection Agency. .
FOR SALES TRANSACnONS O!\LY: Buyer has ten (I 0) days, unless otherw'se agreed in the re.1 cstate pu((;hase contracr. to conduct. risk assessment or
in'~tjon for the pre,ence of I«d-based paint and/or lead-based paint haurds.
I(-} haw, revi and emilY, to the ~~~owIedge,that the: infurmatiOD is true and coma lIS of the date signed herein. ._
BUYER'SI
BuyerfTena has rcad and received the lead· based paint warning statement above and copy of the information li5led above (if ~ny).
Buyer/Tenant acknowledge:; receipt of the government pamphlet "Protecl Your Family From Lead in Your Home" or an cql/i"alenr pamphlet that has been
approved hy the Statc ~nvironmentaJ Protection Aj;ency. If delivery of any di5clo~urcs or pamphlets referenced a~ove occur. ~er ac~ptwce of an offer to
purchase. Buyer has a tight to cancd pUTSrunt to the purchase contract. If you wlSh to cancel, you must act with on the pre,cttbed p~nod.
FOR SALES TRA."lSACTlONS O:--lI.Y: Buyer acknowledg~' the right for rcnl J 0) days, uniess otherwise agreed in the teal emlC purchase contract. [0 conduct
a ri,k assessment or Inspection for the pre,enCe of lead-based paInt and/or lead-based paint huards. !
OR ( I ) (Buya /0 lnl/Utl ~r appl.eablr) Buyer waivc:s rhe right w conduct a nsk assessment or inspection fo~ the presence of ICdd-based pain<
and/or le..d-b",ed p.in< burds.
I (we) have Cd the info~~cenify,_~o :~, best /~t,,~~~:I"dge,that tbe information provided is true and CO",,:,...~_,et_. _
... ~ ~
:),Ht
0074
Sot ''-'f'5t 1m fur~l" m'ormotloll
Q200<1 Caldwell 8.aJ-,krr f..qu.a,' r:ow.r~ 0ppo:-luJ1IfY Q R"."I)r-d liO~
170 / 745 LEAD-BASED PAINT HAZARDS DISCLOSURE, WARNING, ACKNOWLEDGMENT & ADDENDUM (PAGE 1 OF 1) BROKER
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~
~
RESIDENTIAL BRCK,RACE
Califurnia HeaJrh and Safery Code Section 1921l requires rhe seller of reoJ property to (wify in wtlliog to the buyer rhar the seller has complied wirh all
requiremenrs to braa, anchor, or ,uap rhe water heater. :
Seller hereby ccrrifies rhal:l5 of rhe dose of escroW. the property will be in compliance wHh rhe California Health and Safety Code,Seuion ) 'J2 J J by having water
heaters bra or ,or Strapped in place.
_
')eUcs
__.__ 3EDlo~
Dollc Sell"
._ ___
nHr
The undersigned horeb}' acknowledges receipt of" copy of thi.> document, including the provisions of the C,lifornia Health and Safety Code ~ClIon 19211,
which are mtecl on the reverSe of this page.
l"he under>Jgned,.-hc,eby acknov,ledges rece,pt 01 a COP} of thiS documen~, rneludlng rhe prOVISion; of rhe California Health and S,fer: COCe Semon 131 J 3.8
v,hlCh ore Sta;cn 0 ,he reverse 0 IS page. ~
~- LJaH:
0075
I. h the water heater braced, strapped, or anchored to resist falling dunng an earthquake> I ~ 'L,z{/ £5 7
2. Is the house anchored or bolted to the fuundatlOn> I " - -i [i2(" ESS
3. If the house has cripple walls: }
• Are the exterior cripple walls braced) ,-, ,- =:J V ES9
• If the exterior foundation consists of unconneued concrete piers and posts, /
bye they been strengthened? =:J J/ ES10
4. If the ex{enor foundation, or part of it, is made of unreinforced masonry. )
ha.s Jl been strengthened? !__ ~ r- ~ r:;;t ESll
5. If the house is built on a hdbide:
• Are the exteriot tall foundation wall, braced?
• Were the tall posts or columns either built to cesisl earthquakes ----,
. .J;;/-;;/
_./ "71,
ESl2
If any of the questions are answered "No", the house is likely to have an eanhq u~e weakness. Questions answered I ,. Don't Know" may indicate
a need for further evaluation. If you corrected one or more of rhese weaknesses, describe the work on a separate pa~.
As Seller of the ry described herein. I have answered the questions above to the best of my knowledge In an effort to disclose fully any
potemi.u car u.J<e e.J<nesses it may have ~ J~l]U'
D_~ \c:Jer D.a.u:
·ltTr-...-n.is form. completed and signed by the Seller. I understand that if the Seller has amweted "~o" co one or more
Jated a lack of knowledge, there may~ne ot more earrhqu~e weaknesses In WIS house.
~B~u}"90(~4-lc~~t--4Jt:1~~~----~'! ;;"'Bu.-y,-------
IS earthquake dIsclosure IS made In addltlon to the ~ Real Estate Transfer Disclosure Starement also requited by law
172 / 745
0076
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
......
m.mm
RF5lDfNTlAL BROKfR"GE
1. MOLD DISCLOSURE. There has been a great deal of publicity regarding the existence of mold (fungus) in homes. apart-
ments and commercial buildings. Current information indicates that some types of mold may causeihealth problems for cer-
tain individuals. :--lot all molds are detectable by a visual inspection by a Broker or even a profession4} whole house inspector.
It is also possible that the property could have a hidden mold problem (hat the Sel.ler/Lessor is nor a"ljtare of. The only way to
provide a reasonable assurance that the property does not have a mold or other health hazard problem is to retain the services
of an environmental expert who will conduct tesrs. Normally, these rests will consist of an interior kJd exterior examination
tor airborne spores and a carpet (cst but other procedures may be necessary. Any mold should be 'professionally evaluated.
Broker advises that every Buyer/Lessee should have a mold test performed by an environmental professional as either a sepa-
rate test or an add-on to their whole house inspection. This is especiaHy necessary jf any of the inspection reports or disclo-
sure documents indicate that there is evidence of past or present moisture, standing warer or water \ntrusion at the property
since most mold thrives on moisture. All inspections, including those [0 detect mold, should be completed within the inspec-
tion period established in the purchase contract. Any waiver or failure on the part of a Buyer/Lessee to complete and obtain
all appropriate tests, including those for mold, is against the advice of Broker. Broker has not and 'cannor verify whether Of
not there is any health haurd at the property.
Some insurance companies have stopped writing homeowner's insutance policies in California as well as in other states as a
result of the increase in mold claims. Many insurance companies will not write a homeowners' polidy on a home that has had
any m~ld or water .intrusion claims within the last five years. Obtaining homeowner's insurance m~ be difficult, if not more
expensIve, where either the seller or the buyer has made mold andlor water intrusion claim with the last five years. Sellers
should disclose to buyers all prior claims made to their insurance carrier regarding the property within the last five years and
need to detail all past or present water intrusion problems, even those that have been fixed. Buyer~ should assure themselves
that homeowner's insurance can be obtained on the property prior to removing their inspection andlor insurance contingency.
By signing this Disclosure Agreement. you agree that Broker shall have no further responsibility ror protecting you against
the possibility of mold contamination of the property or any resulting injury. Nothing any sales agent may say to you can
change this Agreement or the advice comained above.
/t.J-fj-u'-i _
Da(~ BuycriU:ss~ Lht<
I
r ------ OffICi USE ONLY - - - - -
I
, I",""': by 81oUr.·~
i
MOLD DISCLOSURE AGREEIIEHT (PAGE 1 OF 1)
173 / 745 0077' BROKER
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
- - - _. -- - - - - - - - - - - - - -- ~ --- ~
-----------~----~--.-------~-------~-----------------. I
I
I found the boo~let, The Homeowner's Guide 10 Environmental Hazards and Earrhquakt Safety I
(with gas shut-off valve updQIl) which includes the Federal Lead booklet and Toxic Mold UpdaJ~:
CJ Helpful ~ Clearly written
C Too detailed '= Confusing
[J Not detailed enough
Comments:
O~~L--yCEASE-~~-~D--~~~-"-
We Want To Hear From You!
California Seismic Safety Commission
J900 K Street, Suite 100
Sacramento, Califomia 95814-4186
-.-._-._---------~------------~--.--------------------------------------._---~---------------------------
To Whom It May Concern: I have received a copy of the Environmental Hazards and Earthquake Safety
(¥ ·tt gas shut-off valve update) which include Federal Lead booklet and Toxic Mold Update.
PI.JP8ftyAooress: ~~~-=~~-7""~~~=;;t:.=---~=t_--------~
Date / U J;!D~ Time cg: 2X)
Data _ TIme _
(.iQnRt....) (printed na....)
NOTE: For applicable transactions, it is also necessary to complete C.A.R. Standard form FLD-11
(lead-based paint and Lead-based paint Hazards Addendum, Disclosure and Acknowl.dgement).
OfIiclal CA~.· PubllCallOfl 1104
To Whom It May Concern: I have received a copy at the Environmental Hazards and Earthquake Safety
(with gas shut-off valve update) which includes the Federal Lead booklet and Toxic Mold Update.
Property Address:
DIIta _ Time _
(~)
0078
Oate _
Time
IlIIgnRturej , (prim.d name)
NOTE: For applicable transactions, it is also necessary to complete C.A.R. Standard fonn FLD-11
(Lead-based paint and Lead-based paint Hazards Addendum, Disclosure and Acknowledgement).
0!hcllII C All· PublIcIlion 1~
174 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
15: 42
..: I U ~f1
4:0CPill; PAGE ~ 4,1 ~ 5
s~~ 12 O~ 04:23p
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175 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
PROOF OF SERVICE
STATF OF CALIFORNIA. COUNTY OF LOS ANGELES.
-.
j I am employed in the County of Los Angeles. State of California. I am ova the age
of 18 and not a party to the within action: my business address is 12100 Wilshire Boulevard.
Suite ~OO. Los Angeles. California 90025.
5 ()n .July 26. 2007. I served the foregoing document described as DECLARATION
OF JOSEPH ZERNIK IN SUPPORT OF HIS OPPOSITION TO PLAINTIFF NIVIE
6
SAMAAN'S l"IOTION FOR SUMMARY JUDGMENT envelope addressed to:
7
Moe Keshavarzi Robert J. Shulkin
8 Sheppard. Mullin. Richter. & Hampton LLP Coldwell Banker Le!!al I
333 South Hope Street. '+8 1h Floor t
I 1611 San Vicente Boulevard. 9 1 Floor
9 Los Angeles. California 90071 Los Angeles. California 900~9
10
BY MAIL: I caused such envelope to he deposited in the mail at Los Angeles.
II California. The envelope was mailed \\ ith postage thereon fully prepaid. 1 am readily
familiar with the firm's practice of collection and processing correspondence for
12 mailinl!. It is deposited WIth the United States Postal Service on that same day in the
ordinary course of business.
13
14
o BY PERSONAL SERVICE: I caused such envelope to be personally delivered by
hand to the offices of the addressee.
15 o BY FH)ERAL EXPRESS:
envelope is
The Federal Express package tracking numh~r for t~is
. and the envelope \\as sent (mode J tor receIpt
16 on [day]. [date!.
17
o BY FACSIMILE MACHINE: The above-referenced document was transmitted by
facsimile transmission and said transmission was reported as complete and without
error.
18
Executed on July 26. 2007. at Los Angeles. Calif()rnia.
(State) I declare under penalty of perjury under the laws of the State ofCalif()rnia
that the above is true and correct.
,
\ i \ '\
. '<J, \ ~~> ;
!
" .,
'j f/ // /
i
vI)
~
t,"
I
\
\.
. ' ..L - - - - . - - - - -
Ulif Vardolliol1
176 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Ii
lBf'22l2Be4 15: 42 3,1135567531 PAGE: 15
4:00P"; PAGe: : 4/ ~ 5
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177 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
PROOF OF SERVICE
STATE OF CALIFORNIA. COU~TY OF LOS ANGELES.
3 I am employed in the County of Los Angeles, State of California. I am over the age
of 18 and not a party to the \\ithin action: my business address is 12100 \Vilshire Boulevard.
4 Suite 800. Los Angeles. California 90025.
10
BY MAIL: I caused such envelope to be deposited in the mail at Los Angeles,
II California. The envelope was mailea with postage thereon fully prepaid. I am readily
familiar \vith the firm's practice of collection and processing correspondence for
12 mailing. It is deposited \\ Ith the United States Postal Service on that same day in the
ordinary course of business.
13
D BY PERSONAL SERVICE: I caused such envelope to be personally delivered by
hand to the orticcs of the addressee.
14
15 D BY FFDFRAL EXPRESS:
l'melope is
The Federal Express packa£c trackin£ number for this
. and the envelope\vas sent Gnode I for receipt
16 on ldaYl. ldmcJ.
(State) I declare under penalty of perjury under the laws of the State of California
20 that the above is true and correct.
21
22
24
Lilit Vardanian
25
26
27
28
178 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Joseph lernik
IIn Pro Per
) 320 S. Peck Avenue
fkn:rh I lills. Cali fornia 90:212
3 31 O-·U"5-l) 107 i .
5
6
SUPERIOR COURT OF THE STATE OF CALIFORNIA
7
FOR THE COUNTY OF LOS ANGELES
8
9
NIVIE SAMAAN. an individual. ) Case No. SC087400
10 )
Plaintiff. )
11 ) Assigned/or all pllrpost's to the Honorahle
v. ) Jacqueline ('Olillor
12 )
JOSEPH IERNIK. an individual. and DOES ) DEFENDANT JOSEPH ZER~IK'S
13 1 through 20. inclusive. )
) SEPARATE STATEMENT OF
14 ) DISPUTED FACTS IN SUPPORT OF HIS
Dekndants. ) OPPOSITION TO PLAINITIFF NIVIE
15 )
----------------~--- ~~- - ) SAMAAN'S MOTION FOR SUMMARY
JOSEPll /ERNlK. an individual. ) JUDGMENT
16
Cross-Complainant. ~
17 Hearing:
v. )
18 )
Date: August
,,- 9. 2007
) Time: 8:35 a.m.
COLDWELL BANKER RFSIDENTIAL
19 ) Place: Department "WE-r"'
BROKERAGE: MIl'l IAEL LIBOW. an )
20 individual. )
) Trial Date: Septemher 7. lOU7
21 )
Cross- De fcndants. )
22 ------------------ --------~------)
2-1- Dd\:ndant Joseph Zemik (''lernik'') submits the fo!lLming separate statem~nt of
25 disputed material facts in support of his opposition to Plaintiff Nivie Samaan's Motion ttl!"
26 Summary Judgment.
27
28
179 / 745
Court File: "Volume IV Continued" -1- Separarc Statement of Disputed Facts
Samaan v Zernik (SC087400) Los Angeles Superior Court Case ~o. SC0874()()
~~ ~~~~~--,--~- -----
U"disputed/Disputed Material Facts Su pporting Evidence
II I
I(Request for Judicial Notice, "RJN",
I
12
iExhibit ("Exh.") 1 (September 19,2006,
13
[Declaration of Joseph Zernik in support
14
fof his Motion to Expunge Lis Pendens),
15 I
I ~ 4));(Samaan Dec!., ~~ 4-7, Exhs. 1-3).
17 ~------- I
iMiChae, Libow of Coldwell
18
I fernik's agent for the sale of the
19
I jProperty . I:I:
20
Ii
I I :I
21 I I
I
, !(RJN, Exh. 1, p. 11, ~ 2);(Libow '1
22 I
3 ~----'-:P-u-rc-hase Agreement.
5
6
I
I
7 I i(Declaration of Victor Parks, ~ 17, Exh.
I
8 I \25 (Appraisal of the Property done by
9
I !propertY Sciences Group, Inc.)).
10
11
r-·----t-~-e~r-n-ik-was required to deliver a copy or-[ Disputed. The terms of Counter Ot1er-
12
~he Purchase Agreement fully executed I No.2 expressly state that California
13
iby him (signed and initialed on every I Association of Realtors Residential
1.+ I
I page where applicable) to Mara Escrow Purchase Agreement and Joint Escrow
15 I
Iby September 17, 2007. Instructions (the "Initial Offer"),
16
incorporate the terms of that contract
I
17
I(RJN, Exh. I, September 19, 2006, into Counter Ofter No.2 by reference.
18 I
IDeciaration of Joseph Zemik, p. 2, ~ 8, Zemik Dec!., ~37, Exh T (Libow
19 I
IExh. 5);(Keshavarzi Decl., Exh. 27 Decl.,p.131:18-132:12). Zernik
20
'( Libow Deposition Transcript), pp. 141, Dec!., ~ 13, Exh. G (Counter Offer No. I
i,
21
72, 97, Exh. 125). I 2) i
22 i,
I '
23 _.~. __. .____ ------------L-----------.------ .. J'
:5. Zernik, through Libow, provided Mara Disputed. The terms of Counter Offer I
Escrow \\ith a Purchase Agreement on I No.2 expressly state that Initial Offer
25
,September 22,2004, but this document I is incorporated into the terms of that
26
was not fully executed by Zernik because i contract into Counter OtTer No.2 by I
I,
L__ ,it was not initialed on every page by him I reterence. Therefore the document I
J'
181 / 745
S~parate Statement of Disputed Facts
Court File: "Volume IV Continued" -3-
Samaan v Zernik (SC087400) Los Angeles Superior Court Case :'-1o. SC087400
Undisputed/Disputed Material Facts Supporting Evidence
"----~---
3 I land it was not signed on page 8 of 8 of was fullv executed, because no
the Purchase Agreement. signature was required on the initial
\
II
I \Motion to Expunge Lis Pendens), at ~ 4).
12 I \ '
13 L----t---------~-~------
16.
fZernik did not fully execute the Purchase
+------- - - - - - - - - - -. --- - --------
Disputed. The terms of Counter Offer \ I
14 II
IAgreement until after 3 :42 p.m. on No.2 expressly state that Initial Offer i
I ' I
15 II
:October 22, 2004. is incorporated into the terms of that
16 I
contract into Counter Offer No.2 by
I
17
I reference. Therefore the document
18 I
[(Parks Dec!., ~ 14, Exh. 24 );(RJN, Exh. 2 signature was required on the initial
20
\(November 2,2006, Declaration of
I
offer. Further, Samaan has offered no i
21
Joseph Zernik), at ~ 4 );( Keshavarzi ! admissible evidence to suggest that
,
22 I
I'
~--- -------- - ---- ---~------l
!
3 7. Zernik delayed in performing his I Disputed. Zernik did not delay in iI
i I
4 obligation under the Purchase Agreement performing his obligations under the
I
I
I
5 to provide Samaan with the Preliminary contract. Mara Escrow had
6 ITitle Rep0l1. undertaken the obligation to del iver
I
7
I
the title repol1 to Samaan. The terms
8 I
20 II
I 12: 2. 0- I 13:4.) I
21 I
23 I
obligation under the Purchase Agreement , statements on the date that he signed
24
'to provide Samaan with the Natural and I his listing agreement \vith Libow.
r
-)
I I I
~-------~ ----,
8 I
I
I
9
10 i ;
II 17-------~~----~---
9. Zemik delayed in performing his Disputed. Zernik signed the disclosure
12
, ~bligation under the Purchase Agreement statements on tbe date that he signed
13
Ito provide Samaan with the his listing agreement with Libow.
14
~'ondominillm!PlannedUnit I Zernik Decl. ~ 39, Fxh. V I
I
15
IDevelopment Disclosure. (Disclosures). In addition, during I:
I I
16 I I
I Libow's deposition there was a II
I:
17 I
,(Keshavarzi Decl., Exh. 27 (Libow question of fact regarding the I
I
IX I
L-~'------~-----~----------~---------i
10. Zemik delayed in performing his Disputed. Zernik signed the
obligation under the Purchase Agreement disclosure statements on the date that
Ito prO' ide Samaan vvith the Known he signed his listing agreement with
:YIaterial Facts Disclosure. Libow. Zernik Decl. ~ 39, Exh. V
, (Disclosures). [n addition, during i
I
,---------------_.-- - ----------- ---- I,
- -_._----- - - -
184 / 745
Separate Statement of Disputed Facts
Court File: "Volume IV Continued" -6-
Samaan v Zernik (SC087400) Los Angeles Superior Court Case No. SC087-100
I-~ Undisputed/Disputed lVlaterial Facts '-'~,----ppo~tfngE;fd;~ce-----~~:
I I'
r------~~-
I
II
[delayed in performing his obligation ! deposition testimony that Samaan had I I,
12
lunder the Purchase Agreement to provide removed her inspection contingency I'
13
!Samaan with the Pest Control Report. prior to the fourteen day time period, I!
14
I thereby removing any requirement for 1\
15
Keshavarzi Dec!., Exh. 27 (Libow Zernik to deliver the Pest Control I:
16 I:, I
!Deposition Transcript), pp. 102-03). Report within any period of time. II
17 I I I'
I (Keshavarzi Dec!., Exh. 27 (Libow
I
18
I I
I
I Deposition T ranseri pt), P 103 :21-22).
19 I
I
~o
I
provide Samaan \vith the Lead-Based his listing agreement \vith Libow. I,
')"
--'
Paint Hazard Disclosures. lernik Decl. IT 39, Exh. V
24
(Disclosures). In addition, during
Libov/s deposition there was a
26
question of fact regarding the
27
(Keshavarzi Dec!., Exh. 27 (Libow authenticity of the signatures as well
28 L- ' . .
185 / 745
-7- St.'parate Statement of Disputed facts
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court Case 1\0. 5C087400
--~--------- ------------
Undisputed/Disputed Material Facts Supporting E\"idence Ii I
1
I I,
i---~ _ _ _ --L.--- i ·
4
5
6
7
8
9
10
II
12
13 I
14
I(RJN, Exh. 1, September 19, 2006, Notice to Perform NO.1 was based on
15
pec laration of Joseph Zernik, p. 2, ~~ 8- a failure to remove the loan and
16 I
1
10 ). I appraisal contingency. Zernik Decl., ~
~ 4-39.
17
I i
i I
18 I
I
19
114. !samaan's lender Countrywide would not I Disputed. According to the -
20 I
I :approve the appraisal of the Property I declaration of Parks, the lender
21 I i
,i ,i
'until it had been provided \vith a fully provided appraisal approval after
22 ,
!'
executed Purchase Agreement (signed receiving "a fully executed Purchase
23
and initialed on every page \vhere Agreement", hmvever, in Parks' email
24 1 '
I, I
f---~--~ ----- ---L j
I'
3 : ,( Libov" Deposition Transcript), p. , any evidence of having received "a I',
i i Ii
: 132);(Parks Decl .. ~;~ 3.11-14). fully executed Purchase Agreement" I
I I i
)
, before 5:03 p.m. on October 25,2004 I'
: I
(1
- over 2 hours later.
7
8
Parks Dec!., ~ 14-15, Exh. 25 (2:57
9
email informing appraisal approved);
10
Zernik Decl., ~ 38, Exhibit U (Zernik's
I1
signature and initials on initial otTer
12
1
14
I
15
15. ~ernik's failure to provid~C:; t;I~---TDisputed.--C~-~trY~id~placed at ------1
16 1
iexecuted Purchase Agreement (signed [least 16 different conditions on I:
17
land initialed by him on every page where I Samaan's loan application which she
18
lapplicable) \Vas the only cause of I was required to satisfY for loan
19 i I ,I
iSamaan's inability to remove the I approval. Those conditions, included I,
I
20 I
,Appraisal Contingency before October I submitting a valid Uniform Residential i:
21 I I
did.
23
24
: Zernik Decl., "'-]7-28, Exhs. I-N
(Declaration of Maria McLaurin. -;~ 1-5, (Clues Report of 10114/04,
26
Exh. A):( Samaan Decl., 12; Parks Decl., Country\vide Underwriting/Decision
27 I
! Letter of 10/4/04. Invalid Uniform
28 ~-------------------------
-------L . . ~ ~
,
187 / 745
Court File: "Volume IV Continued"
Separate Statement of Disputed Facts
-9-
Samaan v Zernik (SC087400) Los Angeles Superior Court Case :\0. SC087400
Undisputed/Disputed Material Facts Supporting Evidence
i
i
~--~-- ~---~---------------~---~ -+--~ ------~----- ---~--',
~ 3,11-14). Residential Loan Application, Parks
I
I
I:
Emails, Smartpages.com print-out, I
I
I Countrywide \VLD Exception
6 Request.
I
7 I I
g L--i--------~--------- -----~-----
116. ilSamaan could not remove her Appraisal 'Disputed. There is nothing in the
9
\Contingency until Countrywide approved contract that prevented Samaan from
10
~he appraisal of the Property. removing the Appraisal Contingency
II
I vvithout Countrywide's approval of the I
12
Samaan Decl., ] 2);(Parks Decl., ~~ 3, appraisal. And, Samaan removed the
13
11-15). loan contingency without loan
14
approval on October 20, 2004.
15
16
Zernik Dec!., ~ 39, Exh. U (Contract). i
17 I
I Zernik Dec!., ~~28, 3 I, Exh. P. II
18
19
I ,I I
-----------l'
117. iIfzernik had complied 'With his Disputed. Samaan still vvould not iI
20
!
.
i,obligation to provide Samaan with a fully
I
have been able to remove her i•
21 : I
I,
lexecuted Purchase Agreement bv
I
'-' . I continaencies
b
because she vvould have '
September 27, 2004, Samaan would have never been approved for a loan from
23 I
I.
been able to remove the Appraisal Countryvvide, which is the very reason
24
Contingency by October 11,2004. she refused to remove the appraisal
!
contingency.
26
27
I
II
--------------~ I
(Parks Decl., f 3, I 1-16 );( Samaan Decl., di fferent conditions on Samaan' sloan i I
II
~ 14);(tvlcLaurin Decl., ~~ 1-5, Exh. A). application \vhich she \vas required to I
I
i
I satisfy for loan approval. Those I
10
Zernik Decl., ~~17-28, Exhs. I-N
J I
(Clues Report of 10/14/04,
12
Countrywide Underwriting/Decision
13
Letter of 10/4/04, Invalid Uniform
14
Residential Loan Application, Parks
15
Emails, Smartpages.com print-out,
16
Countrywide WLD Exception
17
Request.
18
19 I
----------_._-
15
~ernik ~tte~p(ed-to cance~crow at--roisputed.
I Zcmik cancelled escrow on., Ii.
16
1,5:23 p.m. on Monday October 25,2004, I October 21,2004.
17 , I,
Ii . IC ontmgency.
. I!
A ppralsa II
19 i
\I
,I
20 I I'
:(Samaan Decl., 14, Exh. 15). I Zernik Decl., ~32, Exh Q (October 21, Ii
21 : I
I 2004 cancellation letter sent by email,
22 I'
fax and phone), ~ 33, Exh R. (Email of , , ,
23
Libmv confirming cancellation).
24
I
I.
-~---I
3 step in the process and tJ'audulently I
~4-39,
I:
7 :A);( Samaan Dec!., ~ 15, Exh. )9). i Zernik Decl., Exhs ;\-V.
8 i Ii
I 1
I:
9
I,.,,., ~ernik w~ived the time provisions in the Disputed. Samaan fraudulently --11
1\
10 I
IPurchase Agreement. induced Zernik, through Ii
I I~
1I I II
)
misrepresentations made by Parks I
12
i<Kcshavarzi Decl., Exh. 27 (Libow concerning the status of her loan not to I
13
[Deposition Transcript), pp. 109, 118-19, cancel at an earlier date. Further,
14
1121,123-24). \vhen Zernik issued a Notice to
15 I
Perform, he had the right, per the
16
contract, to force Samaan to perform
I
17 I,
within 24 hours.
18
19
Zernik Dec!., ~ 24-32. Exhs. L-Q.
20 I
I II,
21 \
L -- - - - - - - - - !I :
23-.~Ilt' the ('OUli, grants her Motion for
,
I Undisputed.
i'
I Summary Judgment, Samaan, her i I
23
husband and their three children intend to
occupy 320 S. Peck Drive, Beverly Hills,
California 90012
26
27 L _-----_.
28
I I ,I ,
4 i
f..--~---- ------~--- - --~------ -f------- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 1
5 i24. ;Parks and Samaan repeatedly asked Disputed. Parks sent no less than 8
6 Libow to provide them with the \ emails during escrow to Libow, and he
7 :necessary documents, including the fully never asked Libow to provide "the
i
8
\executed Purchase Agreement, but necessary documents". Further,
9
ibow ignored their requests. Zernik was not required to sign
\0
Saman's Initial offer.
1I
I{Keshavarzi DecL Exh. 27 (Libow
12
iDeposition Transcri pt), pp. 96, 121-122, I Zemik Decl., 1124-32. Exhs. L-Q.
13
!Exh. 134 );(Samaan Oed., ~~ 5- I
I
14
:I I );( Parks Dec!., 4-13). I
15 I
I I
I
16
17
rs, iDUring the ent-ir-e-h-'f-e-o-f-th-e~tr-a-n-s-a-c-ti-o-n-,-~ed. Samaan fraudulently 1:
I
26
27
Zernik Decl., c: 24-32. Exhs. L-Q.
I,
28 L.. ~ - - - - - -- - - --_.---------------.
I.
~ ,
3
,
I
I
7 ,(Samaan Dec!., lf~1 17, Exh. 17-18). my house to anyone else in the near
R future."
i
9 I
!
10 I Exhibit 18 to the Declaration of Nivie
11 I
I
Samaan (10/29/04 Email from Zcrnik
12
i : to Libow)
13 I i i
I . I
~
14-
[2i rv~-~th~~h d~fendantplaced-his
.1
18 i ii
I
Ithe house to anybody in the near future." my house to anyone else in the near
19
future."
20
I!
21 i
26
128. On i'vlonday, October 25, 2004, at I Disputed. Zernik cancelled escrow on
27
!approximately 2:57 p.m. before Zernik
2R
I,
--,
3 attempted to cancel escrow, Libow October 21, 2004.
,
I!
4 :received an email from Parks informing
, I
I·
5 him that Country\vide had approved i Zernik Decl., f32, Exh Q ( 10/21/04 I
I,
I I,
6 !Samaan's review of the appraisal of the . Cancellation Letter), Zernik Decl.,
7 IPropertv and forwarded that email to
I, "'
: ~33, Exh R (Libow Email), Zernik
8
~ernik. Decl., ~37 Exh T (Samaan Deposition
9
I 68:20-21 ).
I
10
rParkS Oecl., ~ 15, Exh. 25);(Keshavarzi
11
peel., Exh. 27 (Libow Deposition
j
12
!Transcript), pr. 156, Exh. 143)
13
I
14 --+--~---_. ··-·-----~--~~-___1-----------·-------·--·-·----·----·--1
29. ilflernik had not breached the Purchase DisQuted. Zernik cancelled escrow on
15
IAgreement and attempted to cancel October 21, 2004. Zernik did not
16
lescrow on October 25, 2004, escrow breach the "Purchase Agreement".
17
[WOUld have closed on or hefore And, Samaan never qualitied for a
18
INovember 1, 2004. loan from Countrywide.
19 i
I
20
Zernik Decl., ~32, Exh Q ( 10/21/04
21
Cancellation Letter), Zernik Dec!',
22
'133, Exh R (Libovv Email), Zernik
23
! Dec!', ~3 7 Exh T (Samaan Deposition I.
24
68:20-21 ).
25
26
. Zernik Dec!., ('4-39, Exhs A- V
27 I
!,
.
,
28 L~ ._~ __ ._._~ ~ . . ... ~ __. ~~
l----~~-
3 ;30. ,Countrywide suspended Samaan's loan Disputed. Countrywide suspended
4 ,because it had not received a Purchase Samaan's loan application because she I!
,
i
5 :Agreement fully executed (signed and did not satisfy the numerous
6 ;initialed on every page where applicable) conditions Countryv" ide placed on her
I
7 by defendant. loan approval, including submitting a
!
X valid Uniform Residential Loan
I
9 McLaurin Dec!., ~~ 2-5, Exh. A). Application for the correct loan
10
program, verifying closing costs, and
11
meeting the 16 conditions set forth in
12
I
the October 14, 2004 Underwriting
13
I
Letter and Clues Analysis Report.
14
,I
16
27
,( Keshavarzi Dec\., Exh. 27 (Libow , '
- - - --------
195 / 745 Separate Statement of Disputed Facts
-17-
Court File: "Volume IV Continued" Case ~Ll. SCU87400
Samaan v Zernik (SC087400) Los Angeles Superior Court
-
3
~--,-
-----.-.------1
IDeposition Transcript), pp. 59, 60, 64
I
I
[156, Exh. 110). I
I
5
I i
1:::-.-'---- -----~---------t-----,.---'--------
,--------
6 132. ,Mara Escro\v Company \vas the escrow I Undisputed. '
7 I
I.
Icompanv handling the transaction
•
I
I
8 I I . '
between Samaan and Zern lk.
9 I
18 I
20 I
I I
I I
21 L-.-:...----------.
i34.0n Wednesday, October 20,2004, Undisputed.
22
Samaan removed the Loan and I,
23
Preliminarv. Title Contingencies.
24 I
~
25
'(Samaan Dec!., ~ 12, Exhs. 11,12).
I
26 \ '
I
27 L...L- _
28
:' ;under the Purchase Agreement, except she failed to deposit her initial check
6
,'tor those obligation 'vvhich she 'vvas
~
with escrm'l with good funds in a
~
IS
I Zemik Dec!" 1 3-40, Exhs. A-W.
16
17 r~-----
I
_________L . --j
18
II
19
!STATEMENT OF ADDITIONAL MATERIALLY DISPUTED FACTS
20 I
21
'36~ama~n fraudulently induced Zernik to I Zernik Decl., ~4-1 0, Exhs. A-E, Zernik !
22
enter into the contract. , Decl., ('37, Exh T (Samaan
23
Deposition: : page 1'+. lines 6-16)
25 , I
9 By
10
11
12
13
J4
15
16
17
18
19
20
21
22
24
25
26
27
28
I am emploYed in the County of Los Anl2.des. State of California. I am O\Cf the ill2.C
of 18 and not a party to the within action: my business address is 12100 Wilshire BOUlevard.
Suik gOO. Los Angeles. California 90025.
5 On July 26. 2007. I served the foregoing document described as DEFENDANT
JOSEPH ZERNIK'S SEPARATE STATEMENT OF DISPUTED FACTS IN
6 SUPPORT OF HIS OPPOSITION TO PLAINITIFF NIVIE SAMAAN'S MOTION
7 FOR SUMMARY JUDGMENT emelope addressed to:
22
2.+
Lilit Vardant'on
26
27
28
199 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Pacific M()rtgage Consultants
f-ax Cover
Victor Parks
(RBfl) 575-5693 Direct
(509) :.!71.-7845 F;lX
-- ---T-------------~----~----·--··- .
.l'\i Urgent [ ] Ple;Jse f~eview 0 f.>leose ApprQvc o Plc;:JSC P,cply
N~mber of P __ ges: 15
From: Victor Parks
200 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
u C ·r:. c." U -'l 'J '., : U -:J I"
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201 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
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202 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
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RESIQENTIAL PURCHASE AGREEMENT
AND JOINT ESCROW INSTRUCTIONS
;or l:"" With ~Inql.. F'"",11y ~ ..IW."tlDI I'roperty _ Akta<:kod ." D"~oh.>d
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H. Vf"nn.'·ICf\TION OF DO'NN rAYNlI'NT AfiO CLOCINQ r:09.T~: Ovy..,,( (Qt O')Y?~'~ lCf"l(,1(!r Qf J".tJn t)roJ',t"tl'" PIJr't,V;7f""1\ \0 2('.) !'In,,,if. """"',"':n
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203 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
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<1, OTlIER INSPECTIONS ANo RCPORTS
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C. (,OVERNI\I1~NT RI:QUlflEMENTS ANO RETROFIT;
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(Buyer s,~afl r'l.1y for riry titt~ ;'--..-.;;u~rx:.'P. 'JO!icy ir'1urir7 Flf,Jyc.r'1I~nd(,"r', 'J,"1I~~ ('.11h,-;-tvO)'J'Q ~rcc<j In YVritj,,,y )
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p) =.J Guyor Q ';;0 11", gmll p~y City Vbn,r"" "lW o( Ir.<rSfQr fe~ ----~---------_._--~---
(') 0 (lwe' Q Sellcr O~"'\ P<ly 110/\ l'ao3fer ffl"~ ,
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\~) C 13uf~r DIl 5e I", ~~:)lll'i1Y tt1~ ~Ol;l nm tn ~'WCM!d S .l5<l..II.Q"Q-_-_--:..~_=.~_=__=_ -
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204 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
p.b
E';CP~>.!
P?,7E lS
";j; I) 271 Sf'P-?-2-C'4 FAG!';; 4: i ~
(~I Ir :In:, o1"ci':'~vm ')1 ~,! ':-- <~.o,-,l;l'd ~ SAp,., cr c"b'l~qu~,t or :'l/Y){\,,1t'o dM:i;l~,,~ or ~,)'j~ ill oC'lv<'!rod 10 LilJy~r "rte r ',M or!l'r ;~ Sl'~"~d
f;~y,,, ".,,"'1 ',j,1': Ir,(, "1";",1:0 ~,m~; t,,~ Ailr.:.t:ir'111~1 w'I\\;~ 3 D~yll. AI1QI 6nlN~~ i,., ~(~~~ N ~ fh"" "'~ ""I~ry by j .. p('~! 'n I". ,""J 'ov
I),'-,'nr; ......t! .... n -.or~,~_'" ':If (..a('''-:>:"A~lrO'\ tr:", Sl-!lfet or Se4\t-;r~ :fgf'''T'. ,':L~.P10 o;$CIC'~'..ir\j's !te~.t Dy 1'1'1';111 tn{j~b£! !H'··nt ':'Orl;ifi,C"O '-''1''':1 or t:lr1 t fl:r!
($J Not.> tc Q<.IY'" ~nd SQlI..C W~lv.or ¢( :S~lutery ~f'ld [..ella O"'~I<>15\.>rtt~;" Ofohiblted l\y Ltw
3 ,"fA rURAL- AND ENYIRfJN~:::Nr,o.-"'_ H,A..J'"At',DS: V\'ltntn tho 1".,.,.;l w("cfj~ ir. p\ou:~'QPh ttl, ~I!(:'r -:"".":t~ ir rC\lu.·~,j by Lmv; (q d<tt1n.'<";: ~c (tl,,!,,,
~:.(~)--r"',)Jlo.... GJld<tfl 'C"l'-"1 qu~ ..... rlc.·lfl;;al;-:;) .;l(',j yf'!\'l:i,;"mt:::lit.;l1 h2.:!rutt~ !:lOOl<lat: U',l '".'1#('1 f. ~1("fT'lP~ f'r?m Hlo:" rJOI(~t:·?n till::J'rQYJQW f' NHt.>. jl:'lr..")~t1 d tht.1
P-opccty ,e, k1r._"'[,~ ,n " ~~eC',,' ("000 t1ClZvfd AraR' eO~l'Jnt';:ji 1'100<1;"9 ~"',m<!.lt'ol') Are~; VrHy f.1ig~ Ci", Ija~ard 2Qr1,.: S'-"b:l ~i", ~ocl'oo~i"'Hy
Ar .... :;J: ~"IUHJlj.:d ... P.' f:':'l...l i1 Z,·jf10' 0e.I~rl'·"(! HeZ:lroj ZC<r1iY: a:'¢' {iKl disc(CM' Any I)thBr ~.,~ tIS te-cuired by l~ ;:",tj ~'..,...)v,,,"': R"Y c~.,- :nh'l!TI'";l,fI,:on
(~l)jr./i!d f,y ~h,.., .. '7" 701'e""1
(A> ~~l'e; r~:: th::;l;;)i~T'e lflduded in the" I='"U~!'H'\~ p"ce, unlltM Otn......N~ ~p~clf·~, are·Own~ l)y ~eHer.
(Ij.) AI( it ... (...,~ ;~rjf'd -;hl1tl ';l"? tron::-fRuo:i ~ of lion~ ar'\tf "",mOuf :'JOofHtlr ..,.,~rr~r"rty
:'~Ilnr :n r("t ':~~~I {~cn·("', ... t,.. C')~I"''''' 0~ 11 T:\.JV(l' l.,v~dIO:_'1~Ori :'~Pl"'lo~ 1"'>b~o.rl"'l("d '!:ly (ky""r S(";I~..,r" 'lhnli M~kf' rf'Joft IJ"....OOt-l1y ~·,)./tJ:blc fer .. II \3u\o~r
,nv"'J.f'0,)',,)n~ ~f'\!f"H ,hut' ~,;·.Ie .v..:p~(_ Jr,~ ""le.:tfICI;}' .-nd al' ~r'Hl\D)e p'l~ l'(;)hJ5 '"jn for Buyer., ,nl..'l;~!ig.tiOr'f$ tt""l] ~~rou~" tt'le o~1e ~~~~e!'..G'~I"'~
m~d~ o .... .I),l;)b,~ :0 B ..... :""~,. __ /;
nr-,..~rA nl~~!:S> "'l '\'t,) :i',,,,,,r-;C , or I), \ f:{E'rl-i8'~'!d D.. ..-...- O~l£l I, -.~rr~IY~·~
205 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
p. ,
P:\\:;E 07
10/2 ~/ <.'(:,":+ l~: ~~: ~l f1s";07S?1
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and apl'>(o'Ja1 !t':<;u~~~rr-~. 'i" :~pp~ln; !'.r 1,aL b~ ;J~rf'crrr~(! i" ~ QC.::d. ~kir:t~Jl ~'()flr'le; Witll 'Tct~ririlfl of QU<"1h\)' ~nd A.;l~1'\'~~ c:."mp~I.'J{e ~) 4:J'l(,~\ln',)
l'r'.:!'!'f!::~:L~. \: I:; ')n':{jrp;~GL-....:::1 ;nEH eX'~ct r-A~~cr;niol) 1>( ~DOeaf";lflce or ::r::srn'1tic 'terns rDr~ ....rr'tg ,gJ R~aifS: 'T"tl)' r'01 be O'<"s~ible_ S@'II~r r;h~11' H1 O~L"Iit1
(C'r:t1lpl~ ror f",~c~,r-:; ~"rfC'rfTl"K1 ty ("I'f'''r'~ (II} orec:v('f :l w'ntf"n sc_!@'mc"~ I"d.o..'h~ tflR A.~D.:J!r-t; PJ?tr'!"~rT""\.6d ~)y ~~,!r "n(J t~~ c-'~t~ ", 'l;;cf'l Q~D~''''e' ..lP~
prov Of' CI)PIMI.,.,f ,"N'''''I:;'!(''' .1,1<) ~\.HtlffT'c.tn\" ~(.. RVYc' o:--'Or to fll\al '.'~dr(:Ciltl¢r, of ("~"'rllrton
(Ill)
H OUYER INDeMNITY AN') ~~,-U:R r'RQTr::CT~Ori f<JR CNTKY VI"ON I'ROF'eI1TY B~ye( Sh1<i1: iol I<""'f> '.~ r'r~<ty lr"e ""d clear 01 11o"~. H
R~C2' r 3:1 d:;lrtl~!J~ B\+;1~ lr-,.""r"l !)\JY<":f Ir,\·(~_...hg:::tj"I"'1':.· rH'd {Iii} ,nl'j-imr"'lj(y .... ['10 "laid S.eUt:r tl.;:lfm(C~~ ~r"r1 01/ ·r-..' lujrIt\9 1~blt,,,y, c.J:\lrn~. dc(l~"n~" d~~If'~
;)110 costs, BIJye t ~h~ll ::i3fTV '!' B\,;y~r ~t--sll fQ~l.,Ji(~ ~r.l''''~ ::lC"!lno on ~u';,,::,r'''; be-t'oR,r l~ c..'VTy. (,l'::ll~:~ rtf :mvirrty, ~~rlor-orl:;' con"~,I't"l~~iJOM "v:' OthOr
JPOI,CtlD1o In~';f'" "'C,," dljf('lor"tj,r"{,} ,"',.... 0 ('I(OI,~~in~ sel:'r 'rom Ij'JOdlly (or ~ny I('IJvrJ<C) to pcr~,o!'l" or prop.rty .,c.c.ur,,:na Qvt"lI'l} 8fTy' Ouy~r Illv~~t'.qlltl(',rIL nr
W~fk C(\"e Oil ~)o,\~ ;:'(~D(1.'""·tV :~t !='h·o'\/'(. .. l"~C110f"\ ;:n\;1 lo ,:;;IO~ Of \'.r.O(OW ,s(:/Ic-' ~ Qovi'\o'\)":1 that ~t"bl.,n rn'Ob'!r,tIOrl~ may t:~ ... rrC(,J'::!tJ' SvPL1( by '':lcordm-g oJ
'r"J':Hir:P. of "'if)n-r~5P:)'''~lt"l\ty~ (C ~ r, ForrY'! ~NR) fOf Suyer Irh-e-shqatiDfJ5 If/ld '/,olk "o~~ \)(' t.~e "rovp.rtv :Jt 61)Yo('~ r1jrn('t<nr1 ~1.ryf:?(O:; ':ol"ll!G~t1(\r,
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A. WlH11n ('\C' IllT1n ~~~"'ttlN1 . .., r~rl'gr.'1Iph 14, O"'yClr :o;;h:J~1 O<J l"I'Cvldt:'od e CUI'rt:nt Drt':1"rrHf'J,!l()' (r;tie) r~pCJrt. wt'n;r-- IS c.nir ~I' offet t)~ !t~ ~."I~ "-~IJIe:1 ,':
:3'1Ur .'1 pol;Cy oj'll!",:, irl"1'Jr3n.-:-o :met f''''ly tic' COn1~'" ",v~f'I( ·tem 4~(.!'t11'l9 tltl~ ~h,,.·e('.s (eYlet'V of t:'l~ "re/lr(Jlnqry re-pcrt toJl""<;1 ;>§ny Ol,t.~·( (l)dlte,.." W'l1'::-"
'11ny affuet f:'!i,!" ~( .. ~ r";-<..Jr;til1S''''"cy '='1 ~h:'j. .,\c;w'C'rf\ar'\t ,:,;c ?p~:ifi-=-d In p.itr.itQr"iiIph 1 16.
S. r,tl~ i~ ~.(tk~['I ,,1 li<;. t:1'(' ... ~rt ";J"ln.o,lIr;f" 'l~'bl.!"~ 10 .0 ,.I"'tCl.",nt"trQrr:"~-'. o::JttOi1lon1", l':-.o.... ef"l3t'l!O. 6Ond':hCi-r't'), f'Ontn...- .t\.:J''l'lJ. rio'Jf"\!? o''lCj 'Jt,",~r m,'"Jm:)~ '<V~H.. tt1C"('
ot (':!cor" or fin! Li.5 :-1 It (' dl!l\e ct Acc,ppf.jll(,a ~~'l (I) mf·Irl~t.a'Y IIQ~ O'f' '<'COrd Uf"l!e~s FhJy('r 1.$ a.~urnlf,? ~r)~ ObIJO;"r(')f'l'l or U.k,r~'O rr-r-e f"l'fOptl l tv
~u.bJ"C110 ',"Q.~ Jb"9&rIO~~ oM (0) lno$oe mano:<s wnicn Sljl,'e' ~.s a<;l~a 10 remO\"!Ilr WrIt,ng.
C, V,ilh,~ 'he \im~ '1'"",,,,",\1 in p""'grllph
14A. S..l14'lr M!l a CUly ~o dl~clQS9 to BvY~r all n1atter~ known fO Seller ~ffoec:"g 1~1~ ...... hethe·of ,~ra or ~'.'t
n, Al C(Q~..c or ["'l''':'0W O'.J~r ;.h~jl
rryf;'OrVt ;) Q~r"\t rjl:"'C"'lj con"'~Y'no TiNt" (0(, for otOl'":k e¢Opl:'"(OllY«:, "r I')(\g·!~ I,"O~'C' nn ;.J~~t~rr..... r't of .,f't7'C,1.,
crrtlfit:'•.';lfty or 7"~ · .. ·t1l!~r ':So l~'<\~"'t..lc1 In 111 I"V'lI.I). ir)C"hJ~;ng oj), f'r'rIn¢,l""QIl tlJ'd wAtor rlo"t:> lr cu(toQ"tly Ow'1'l .... O by ::;"fll"fr. ririe .,hall ;le~t,''j .jc""lon.:.tt~d If)
ulJ\f·er'.:;I ~",p\~,,",",el'lr~1 ~:'iC{uw tf1~truct\OI)~, .HE 'rvVr.NNt:.~ 0 .... rAA1NG llT~ MA"( HAVE. ~tGHlrlCAN1 LS.C'~L I\NO TAX CON..'SEOUE:NCeS
CONSULT AN l,ppnOPRIAlE PROrES$IONAL.
e. BV'f')r .hoil 'r>CX'I'J~ • CL -AA.L"rl\ ~Q'Tle<>wr1(,r~ Poliey ¢t T!:IQ In~ul,nCl'l. "" rill<l c0"",,,ny, .-rt LJuyC"(~ ro,:/<JC31. ;on provide InRYm~!lon tlbDU! t~"
:l·"n.!;;tb,lr-y, ")~-;:I{\lt:allt)' [,'Jv(""r~"J'~ :)rr.rf (.r.)~~ of' •... (lJlQrn.. lltl<9 in~j.J(..lnCb cnvO{~QO~ (r('r(j ¢1'\dO~fTl<:I''lt.,. If Auy,..' C\6"lrfo''\') t,t1~ C:(rI.~r),~c rrth!")( tf'l6A HVt
(i~'ql,Jl(~ oy rnl"~ ~rdQ".ap'"·, DL'ye- r ,.h;>11 IO~tf1Jc:t EsC(04w }--ioIO~ kI ·,rtfllinO ,'H"Hl 0:iy ;'J(l'y InC(e(]~ in oo~1.
\A. TIMI:' PERIODS: RF.MOYAI. OF CQNTINOeIllC1ES; CANC<O'_'-ATlO'" >l1GHTS, Th. '''''lowing tim" po-riod" "'"'v ""'V b .. ~_,,<><l, ~I!o><><i.
rnodUJ~d or chl3l()9a-d by rnvtutM' """'rlt1{'n 3gr~morrt.
"'.ny ,.orn'Ov')l of CQfl'tlO1;il~J1cl~ pr c,:,nt:~U.:::JItion vndf"rr tf\i~ p.olr-;JQ("~')pt1 mw·;t hO' in 't\JrH;rl~
t,e .A.Ft. '-:(,.'0 en)
A, SLLLt.H HJ\~, 7 {Dr Ci ___ ) DiI)'s After "~oCanc.e to delIver ~o Lh"ty~r ~!I ~~~f1:s, "!~CJ~::'f.U(~ .:If'", ,'lrCrTY1dT!o'l tor '.Nf'1lrh ~-;t"IIt:( I"
i"'spongtblR l.lnoer ::-,~ragr~pf'\~ ~ sr. iI'!ln(j B <faA. 7e ~"'1 1L.
u. <, J l-lUYLR HA3: l"'! lOr' ~-; J Oays A1for Acz:uplanQe. vrllC-"!I: QthCtV{i~O '29,eea In W',!irlg. !O
(i) L.O{r')(~r.,..1. All U"yO'( l(l\·,.:,tlQl91!(H'~. ~OCfC"ve .;:11\ O'~C'O':\~lfO~. rT:'PO"~ "rod 01h~r ROPliCJ\Dt~ difOtm.~'trc.f'l, .'Vr-:c,-., r kJycl I~~~';. r(otr~ :.iellt"f; ~n"
.:l0D(ClV~ ,'11 ·1'):Jtt~r;.. ~frp'r::i~n9 m~ P"ClO-:ny (rnCiLIlJI'"'lO lo~d t1_~<'1 0,);'" ~()(j fO-Qd·ba"od os;r-ot hg~51~~ ;J\. .~ f.3'-' ('llh"", 111nflTt:..t lCAl ~~,~,:d 00 rn
~'EH~9r"fl~ ;; arlfj 1':svl':Jb,f;t" Or 8JJ';Ier rind t1;e r'{C'p~r1y): ;<lin::'
(HJ retum!O ~Iler Slgro,eIj CO();~ m St~tutory .and lead D'~::Io~l"Jte1l et~lfVerP,'d by S<3'jl~r in ~~.A;on:J2'r)~ witll 0~(a.~ 5iA-
(Z} V'\f\lrt1n rh~ t'J1V'- 'l..p,"r-:;flM(1' 'r" l.4n(1\. 9~'v~, :-'l~y ,..~ql,lt"""l::'tthQt ~OI,.rl"'T'l§,kQ tq'J;;IA't<:' Qr tllK.v nny QU"l~r
-acb(')f' ~:.rrlJ1l~ th... Prop(lr~~y ·:C ~,h' F':w n
r~~1 0ellor h<f-" nO t.>Qllg.(l~lon to "gr("Je- to or r~&(Ioot1 tu U\JY~(~ r\::q\l~~~.
(3) Hy tn~ "M M."~ ,""" ,-,p"c,f''l1 In 14El(11 (or 21 lOr lo~n conbngflney or ~J roc /lPr--allHll CM~,"g4rC\'). Buy€,>' s~al'. 111 Wlrt'C11j. (i'(11cve the
~cOI;ciJ/)'~:'Y"'''9(!r~y \ r: /,,,,\ fOrM CR) or canc~ I rhi, Ail r~~, tiOwe.er, if lt1~ fOI!Dwmo ITI ~p~r;tJon~, rEl(lI"'~ o( 11SCIo..~lJ~s ~:e not mA~
;",~r.;n ~hj) tr"'~ ,,<;c":r:'~1"0 "I 141\, th ... n 8U'Jt)t'" tl;Jf',. ~ {or LJ ) O:"lYJ: ~f1,.r 'rl"'~i~l "f .lny '::aJ~ Itt'l"!"'r"'\. t)f" ~t'lC' 1lrTl':" ("'.(:I(1ci~~(t In
1.o1,(l(f f ......,hlr;-'","'/t"'r I', !ar,." t,;) (."no'l"O ~h~ .J'P~lc3blo oonllno!tflCY Of C1)."cf""t1 V-lit: J'>.~r~"fT'Cr"1t in, •••m11n:J' (I) g'Jvc:mr"r\9nt.marlo:1att:d Hl~re'::t!('Yl~ fJ'
"'DOJ\& r~q'Jirod OC ~ ~oncjilio(\ "I Dlo,,;,()~ or {iI} C~",rn(l<' /<71""'''1 Ojv:Jo~u..,~ plJ'Wl'Ir\l 'e. p..ar.:lgr"J'h 88
C" CONTINUATiON OF CON1'NGl"N~Y OR CONTRACTUI\L ORUG.ATON; ea.u:~ I'!'~ rIo CANCl:i:L;
(') ~llvr n~ht·o C~,,<~I; l1vy~" Con,JM9""ei9'" .,:>"/1,,,. JMQr fir,n lilYinl) Auyu '" "(>tIe() [0 Ruyor '0 P"~'ffi (0". opt"Clfled twolow), n1"~' ~"(lc01
1I'1.r..... l'.o;i~~('r'\(':r:! \'1 N,'I~ing ,)r"!"'f d:.Jth(l(l:'::e r~(lJrn of rhqW"ts dM~l{ ,f. by tht: ~Imlf":ol' ~PeClrl,,1j In tt1~:s A9~mcn~. nUi'~r ,1096 t'ct r&Mi)\(8' If\ wdrr-g
me ~PPli"::'~bJ~ C'?r't:f\genr.-y Of C.H)(4!" t1, . !. Agreem.:nt. Ol"'l("~ an (''OI'l'M'lgenC:fe~ ""ave Oft':'!) ~m"'l,'eO, fu"'·../fB of fJlU'er U"",yer Of $~Het' to Cio.s-t;
oilr.l:'iO'W (J("f t,rrx; l1''J.y be J b'~cr") 01 t"l~ A9re-c~r'l1
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..'lM ~ "l.(C(1:. ()-no.."} ~OJl.Or ,0<Q0:",,<x A'Vvl"("r:.
wrlltl'lf' t"n' ..'. . ., r) ....71 (). '1" r:0n~jn1.... n':',.5. :r;ollo· rrt'~y ")ryt Cl!ln~ 'hr8 f\.gre.err>6nt pvreu~r"\P ~t;) 14C(1),
(~, 5i",llcu" rifJ'rt to Cnnl":fI"ll; nl)yor CQntract Obll'J0ttOrm: ~nflf'tr, ;JI~"r (rn.t 'Jiving Ouy.er n Nctt/'X" t(\ P-uYQ":a C"o-rfofm (x. l:podfiqd ~''J'\''''>. m::ilY
Cl1'1Gol P"1\"\ ,'\Qro-r.-ff'le- nl ,n ..,..."rr~ifJ\1 ;,,\('1(1 .U}~:)(l-UI ftiltV(f) '..Jf UUVlJ(3 o..'j:.IQoSoff Mr ",ny nf ~,.,c folleY'( nO r~.o.O'QT1" (I; rf UU)'C'" rl"l'I"t 10 .1~()o~it r!.,Jnd-: t).':"t
r"1'.1~(',-a t)y 'i.o.. (;1 /lj ('If., It \n~ 1u (111"'- C\Jr;Ol:M.)-tj D\J~v,)r~t to ')!\ or 20 ~ro- ",,1 0'000 1,N'4'l""n OOpo~(,nof" (m) rf A1;yf"( ':ill, U;, o-r-,Vlr;'" ;I i~h'f!tr ,:v:
r~flulrptJ by 2G. (IV) If 8uy'!r r,,;I~ '0 Df"vid" ~""{J<;atJoo a.. re'lu;rao by 2H or "L; ,....\ If SO'I", rll~~()""ol., j;'''l:'I)r:>'J~ of the '/f!rifical;~" crCvi0'.!O
bv 2H ~'- 'v') ir I'\'l)'~r ""Is \:> "'turn S1)tvlory ~nl1 ~9:JO Q''l<:IOS'J''''';>< '""'QviI<><;l b~ D~r;aor'Jph ')A(Zl: 'J' (vii} if 3uvI'( '~IfG 10 ~i'p C' ".,~j,,( '"
DI
~,0D~r~t~ ..,]..J:.j~rod d~gO¢' fDrm r~r :J.'i lr1crf'at:Cl'd J;19:>O-;;t Q. r~'Jjff'.-f by pJ(~f"!1ph If';_ ~...nj~r 1"':1 ,.,ot .... nU"If~.(\ TV,... Ouy~r ,') Notl,.~ l(.l
f'.,r(\)rrt' ..-oga ... ..1lnq crO~1: 01 ~Cl"O'W', , -
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8\1y.!' ~r i~Sf 2.4 fl):" r.J ~ ) "'lours (fir '".J:'"'lt,\ 'h~ tI"t)e ~oer. . (~d 'n ~~e ~POI;r..nnlre ee·"'llgrnlJt1. wnlche'/~r WJurs. 1"~1) >J Id~!" 're .'nDjiC-...."'lOI~
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206 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
p.u
:) IOF;:JC(;f Of' rlUYf'R'S rlFMOY/\L OF CONT1NCF:NCrr=e: if TIuyer (e<"'(l'JC~ 'r w~uro. ~n\' c,.;'){'n-ol')ncy or c~n~t'~"rn r C>,ts. ,... n!~~ QtI'~rw,;",
~{)f'c:(ed IT1 ] ~eiJJr~t~,v~te~ ~q~~"lX"~t ~tW' OuyN ~;C ~fI~!, ~IJYt:r ~I~~il GC'lCIU'tV~V D\l CONT1Qll 10 h;,lVr (ii ';\~~1plltl'X1 ;lit (\~Y\J
h]"PJ":1L1l~~'O("'" ~nrj rC\lIr:-vv 0'" rCf',')r~ at',j 01",~';' aC"p:,'r:~Dle Ir10rrr1flT'on E\n{\ ","".:IC$\.'''r.'''; P'_'ll';;llIM.()Q ."~ ""laT <XJ'lr,n~~,,:;y Qr ::~f1';-l'IJl1l:~ r~"'~: iiI) ... f~t."l~:·";
T~ r'l~'.-N~~,,:;)d ,.,n h tr'{;l tr-;t"Ili-;J~"'" ~"'H.:l tilfJ ;;I~~l-'r:-':... C :'\1\ :;~b U.y, t'a-s¢ltr'!$lbll.ty ;}~ eXPAn!lp.. ~or Ke~~Ilt'5 [')or <"'f.':'(re"..!!CH'~ (Jf';~l'Iing to n'a! CO.nlfig~'cy 'J!
cr f,), !'A01,ity' I C' ~bt.RIP (VPlnry,YJ
~;.an{'{'il~t"),, "';Jr'f
).,. ,-Fer 0'" CAr-JCFLl.:~nON ON 1)1·pOOli,... ~ rr [).\JY""''' "::)r :,(l-C,..r \?i-,,(!'ll. Wfjt't'qn n.)ocn or r;n()~II:ltiof"'! pi,J.~\JJ,nt +u r .....) t'h\ duiv f::"~n-;I;..u \IIH10'- ~h"C'
t~fl~l~ 1)( thl'\ ~l.~rn~,'-!. Ql)'/~( i)lld ~"'.:I~r dQr-c~ ~6 :;tg.r; riilltu~1 In~trudlo,..~ to 4"11)9) rhe :s..,!~ ~Mj "lS-CfO\lf ?!i"I(1 re!e~~ :::lC"OO!:..it.!'~_ !~~S 1ee's ':'t("I{1
cO'~~ ~ U'~ porty ?ntU",d '.e' tb" ("",,~ Fees ",n~ ,;orn r]'.;]y:>e p;ly~t>le til ~-vil1e p"Q'Jd!lo r.nC '1"n-jn~ fO'3~rJi:~ a"", ~'''cIvct<> V('>ffll'd rl",i,~"1
~~cr;:'" ~1¢J~'" <;1 1')010" w;q ""1ulf'C> mulu;rf S;$l""'\f fI>i....... lr>Clrucll~ rl'CI01 aUYllr aml SQlleJ, judicIal dec;,,;i(ln or ~b;tr"';;,on al'mrd .0\
~rty rn.,-." b13 't.L.'Oj¢-t:.t te a civil p"n~'ty of "p to $1,000 (Qr I.fv~l tCJ 3'9(l iiC\..h ::h .fir;.tJ'"(.IC~IV""r. ,f fr\) ",000 f'''i'.h <:t':tpllte 'C",.....c~ JI'," (::) w~~ I~
~nt"lt')d t,:,) the d¢p~ltcd fund'S (C 1..... 0 Cod~ §'10£7 .~_
15 ~ INAt.. VERIFICA'(tON Of' CONOf\lON, 8WI"r ~t81: l1,j"~ Ihe "I'';h' 10 rr~k .. ~ Iin~1 iT19:or.<"t'cm ry/ inc Po-Q"""~, ",,;'h,n 5 ior ~__ I Pdo' oay"
lo C:I~-.;..c Of r"'l.e~ ..... NOT A~ !J. '-:-:ONTlr~G~NCV Or TH~ ~AL~. '!'lvl 'tolQ'Y +.0 ,;o,.,firTT' (l) ~Im P"Tr.o-:-rly 19 r'I"'.;t.lnfn""--<.'Ij t'U~lIA()r t,"", ~r:,g~h 7/", (I.)
r{O('.1Hr, "o',n ~~ .... 0 rcrrOi,.,.r,,-j .:;,~ ~"'''!i''''''O :J,("\(J ~rBl ~I~I M:).'. <::OI .....i)\l~(1 with ~ ... II~r'~ O't'HH abl~at1()f1";: l.Jr..-1.."..1nrv r"l,,;i'Q.-:'tr'Y'w:l,'lt
11). UQU(OATE[) DAMAGes: If Buyer fail:s to complete this P\J(C.h~~ IH~Ci'lUS~ Of Blly~r'~ ctrrlllUIl, Seller "3'h~,11 rotnin,
;Cl~ liquidJltcd damages, the deposil actually paiCl. If the Property is i.'I dwelling With no more ttlan four units, one
of which Buyor int~ot1'S to occupy, tTren tll~ <lmOlJOt r«:alned !';h.1lI1 b@ nQ fTJor~ th{ln 2% of tho f'lurch~c priCfl.
Any ('xC",!:,» ~n;}H tw r"tLlrn~d to Buyer. Rel~ase of funo$ Mil rcq\Jrro mutual, Signed r~o~e l~tnJcliom: from
both Buyor and SolIQr, judicial decir;iol'l or arl>ttration aw~. BUYER AND SELLER SHALL SIGN A SEPARA T~
LlQUIDATCO DAMAGES PROVISION ~~R_ANY INC~ .. ~Df;POSIT (CJ\ R. I='ORM RID} ~ _ _ / ' ~
r Bl.t" ~""':9 r""'I;.a IQ
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H. OiSPUTE RES0LU,IOto/:
A. MEDIAn ON: 8'",,", 3M S",II~' ~9~" to ''r11'ld i"t", ~r'Y d;8;J~I~ Of ol~i", ~rh;nQ b,,!W<><'>n t~"m out "/ th'~ A<Jr=menl. Of ;,r.y leS"l1ll~ t"'ln~,;jetJnn
b(Jhr'.;' r{l'CiH1IflO ~o JIt"!r::'l71("r' ~H c"v't .:7C1,O<'"l
;:O-Oq';V'Oh,,; 1;-~(::?1 ~W1(f (~'. ~Q'IO"'N ~l'pty WhMr.1H 'Or not tt"r~ /\rbin~lr\.l" ur() .....I~ll)(r 1:iIl 1I)lr,oJ.-j. M~\Qt(')n
1"~:l ,t 1(ly, ~tl.jl ~e dlv~(;d ~QiJ}lII'f ~rNJ"r,1 ~t'1~ p:..rtl~' Ir1V01V/':-d If, rf)r tJny C.h~pl"J1! 0< C!.1)rr" (I) vVl'tlt.n ~!"ll~ P""J)O'fPP" nny p.:i'lrtv cl'lm~"r:("I\ :1r.r1r"""
)" .'oIlon w'lt'.ov\ r·co, ulte<Pphng :0 re50t'l" tre m~ner tllr(J\lgh mediation, or relvsgs tel Y1ediate atl'll a re<lues\ ~;,~ 1>9<''' "';)<1'/, IhQn thD' p>r"Y
c"~"~ 001 b~ ,'r'~"c! 10 rCCl'vr,1 ~!'tJ)m"')· r,,~, ""'M if lh~y wl)Olp o1n"",w;;~ be .q"allllb~ 1\) that P<'l1v In a~y ~LJc!l at~on 11-115 MEDlI\TION
""'JVI3ICN A;:pur<; 'IV"'ETHr.I~ 01< NO' ;fle ,~HUITFV\TION PROVI.':;H)N '05 INI'frAL':O
8 At'<8I1RAIlON Or- OI$PUi'ES: (1) '6uy;,r and ~f1Slr ,!lgrc~ thllt 3ny di5pUOO or claim In t~w or tIliquity dri~ir'!9
betw~n ttl{'m O'Jt of tl-,is Agn!'(>mnnt or :my TClsulting tran~""¢tioo, which is not settle-d th,ough mediation,
!"hatl b~ d('cjd~ by nroulr..', bInding ,,(bit,",~lon, Including cand subject to par.tgr::JphS 17B(Z) and (3) be-low.
n'e ",bilrJJlo( ",h.. 11 b ... '" r.tifod jUdQO Of jU':IItico, or ;)n .. ttorn.." with at le,,!)t :s ye~~ Of r<l£:i(fjOnl:Jal r~ ...' ... ~tllo~
Law (,'xpenence. unless the parties mutu;,.lfy ;,greo to a difft-rcmt ;>rbifrotor, who '&h311 ronc16f "Ill .-.w-.ud in
<lCcorrf.lIlCe wl(h sUQswntive C",liJorni"" Ut"". Th~ !»-rtl= g~11 ":lve the right to dir;covury in acco.-dan'Ce WItt!
C""lrforni", Code of Civil Pro"",dum §1283.05. In ;11/1 oU'1<lr r~JXlct3, tIM ~(bitr2ltion "hall I)e conducted In
.,c-c(,rd.lll1ce with Ti1l~ 9 of Pftft III of the C~lifornj~ CO<lt Of CIVil PrOC"Ol)ro. Jl)dgmcnt UpOrl th~ ilWMd of th~
arbitrator(s) may be entereu into "'l1y court h;tving jurisdiction. Interpcctatjon of thfs agr€'t!mellt to 4frbitratl"
shall be governet1 by the Federal Arbitr.rucn Acl
(1) £XCL.U~IO!'J5 'ROM NICOlA lION AND ARBTHl,4,TlON: In" ("Jll)'IVinQl r1I~f~ Aft> CWclud<l<1 (ftlm m<>d1M'"'' ",,\1 "rbltNltion: (I) .. judiei,,!
Of nO(llU(1'CI~' f'OrVl~"'»'1ljr,> or- ot~r .)(;1)'0" Q-r p~dh"l~ to ~.,toroe ~ ~ of tru~t.. m'Ort<I~~ or i ..... .,tftffmel""t hlf\t1 6affJ MM'J"':I..C't ir't dcfu''roo
ill C"lff?, nl. Civil Co<;l'il §;Z9~5: (Ii] :>'1 UIIIJlwful d&!.lIIlocr ar.tl()n; (III) the mlnil o' IInforcem"nr. of!l m~nlc'~ lIerr, Ilnoj (iv) 1'10) rnaff:Q,- mat
i" ""It,hl" th~ illrivh~t;"'" (If" "."tL,,,,,,
c,"~n "bim, ~ b.,.,.""p!Cf court '1ll~ ~r;ng of /I court actiol'll<J ""ilOI!! me t'OCOl'dlnq of;l notlcl;' of
(l.(tr .. rll"\a ~t;(\t"l, fr)T nrr"t:lr ryf ;:t~~hrnC'nt, r-~':crv,=r.,hi-p, InJul'''lCtICl''h f'j( OthC'r p(Oy~rO~f r-e""'~di<f'v, ~~'I f}<')t consHt)J~ ~ w::IN",.,. r)f 1hf'o.
('f)tJtJ'.(I¢Cl ~r)ct ,liI(bltrat,o,., P-(OV1.'on~.
PI 8ROK~RS: Buyer aM S ..IIe>< /l()l'~ to ''''oitlte 11,,0;1 3r1)itnrltt cjJ"'f>~:S or d,"'''''' ,nvolv",,, olth~< or both 1'srv,>NY)(I5, CQM:Is!eflr WJ1!\ 17 A
"nd B, prOYllllld ('JUler or Dctl1 Brol<<<s SMll have ~ ... <'Q 10 <;uC'h ",ocI"'~<;>n or "rb/'..r:allo<1 ~rl"," to, or 'M1hJn lit rn=onGbIe ti......" "'''''r, ,m.
O":;H,UJ~ or CJDI,.,l I~': ~!;lI!iilntcd t.o R,o'Jcpnt ANt f':lll~tt'nrr hy ~ltt1,..r ('\r both 9ro~rJ. to p::lrticipnts:. In r"f'l-c'di.:d;cn 0(' ll(bitr.rtlol1 !ih",11 n¢r ('r-sult
Hi SrOIc~r~ booing d('.,.tl,~(j P"d'rti4d:h to- ~ht: A-g~rnt:nt.
"NOTICE; BY INITIALING IN THE SPACE BELOW YOU ARE AGR.e'EING TO HAVe ANY DlSPUrr
ARISING OUT OF THe MATTERS \t.JCLVOEO IN THE 'ARl3lTRAnON OF OIspurrs' PROVISION DECIDED OY
NEUTRAL AR8fTRP,TtON AS PROVIDED BY CALIFORNIA LAW /\NO YOU ARE GIVlrfG UP ANY RIGHTS YOU
MIGH1' possess TO HAVE THC DISf>UTE LITIG.AY~D IN A COUKr OR JURy TRIAL. 6Y lNITIAUN~ IN TH[
SPACE BELOW YOU ARE GIVING UP YOUR .JUDfCIAl RtGl-!TS TO DISCOVERY ANO API'EA,L, UNLESS
THOSE; RIGHTS AkE: SPboc;lFICALLY INCL.VOeO 'N THE 'ARBITRATION OF OISPUTF:;' PROVISION_ IF YOU
F{'=TU~(; TO SU~I\IlIT TO AROITRA,TION AFTER AGREElr~G TO THIS PROVISION, YOU MAY Ot: C:OMPF:LLE;O
TO ARBITRATE UNDER THE AUTHORITY OF THE CAUFOAAIA CODE OF CIVIL PROCF.l)IJRE. YOUR
AGREEMENT TO THIS A~BlTRATION PROVl5JON 15 VOLUNTARY."
_ "VIfF'- HAVE READ AND UNDI.:R,STANO THe fOREGOING ANI) AGREE TO SUBMIT IJJSPUTtS ARISING
our OF Ttle II/lAITERS rNClUOF.D IN YHE 'ARBITRATION OF DISPUTES' PROVISION TO NEUTRAL
ARBIT~,6,TIOf\j." I---'--~-'~~-'~ -~-_ .
. ~U~~~~! ~~r'., InilJ.. log !
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C/\C''''0nr41A n-r-.!;'ir,r."AT1I\L f~'J~HA8r; j\G"P'I;';=:"I''''~N r (~n1\~J\ ~ ...'\~"" ~ o~ l=I) --'-f>7,~'?:' ~(" /_J':'"
207 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
3Ef'-22-0-1. 3:":>4"·
1-8, P~ORA lION."; OF" ('ROpeR"fY IAXE3 ANO OTHER ITEMS, Urless otr"1\:rwi.~e iJWeed in writing. ItII'l f0Uo-,VIT1l,1 '\'?rllS r1111: ho PAC'
clJ~~EN r ,')r;~ ~(a(~t~rj PJq.fvv-een 9rJy'?," ;":fr)d S~'ll!"( ~s:. of Close Ot E"s:;g(")V,l, r~<ll prcpt"'rfy l~xes ~nt:1 ;J.~~l:"~~mpnrt:'. Int~"""ot. r~rn~
HOA ~';ltJ!¥ :Otlj·,,,I. ;,"0 (JrnNC)'lIl<;,1 duo~ Iln<j ",~().fIJ::Im,:,nl'; HTlpt)c.<ld v(:O( to Clo~,~ 01\:':;'00\1'.'. pr",rnl:J,'Y'~ Orl !ncur.1nCC /l~'lJ(lC!:'d
by Buy.;-r P">"':i'nt(; ')n t:·Q,"CS "'f'd as:resSr'l~nt~ .~:s:1ume(1 !?y nuyer. ;H'd pavml!>"'~ on rvlp lo-Roo" ;l"CI Oth0C ~r'",-:-'<<lAo.~,,,,,,~,,",,,,nl
;)i"ll!>C\ b()f'd" FH"j ~''i-s''S~'m,nl~ thot me now" lie..,. ,.~ fo!lowlng il",,,,.;: s.h.,)1 t>~ ,,,,sw-""d by 6uyN WTHQU r CrlEDI T lC'w;'\I'd the
pl,-lfC.h(Jt,~~ pnc;p; P~0l ::H~j 0.~ym~1'\tc t'jt'\ MQ.(lo-R"0\)~ 'ilr¥1 ('f'~~r Sp'~'Ci.~ Ac~s.,..cr"O:.\l Di'$hl~ ';.v:.,-no(j!1. oli<1 3~"~'tlir.f11~"\~~ ar-t(1 ~0A ..,.pr~·oal
,:t:J,:se:".ll:)f1lfl\rtt:-. t'1nt -+:"'C ('O'N t"f t~~(""l bvt r"!O~ yot r1u~. P~p"'rty wi.'
bo "''I''iI_Ul~e~.ccQ uPO(l ChQf'WJo .;')f Owi .... ~~hlp .. \nv "l1pol..v'·)~nb.l t...tK bIni;,
"hllIJ 1)" 0Clld '-'~ roil,-,ws OJ br ~erJCCl~ ;;Jll", Oc".. Of F''lI''..fOW, tly· Bllyer: rrd (:1) to'- l'eriM, pnC r to Clo~ or C:SCl"l)W, by $ ..1I'"r. fAX
BILLS ISSl)EO J\FTER CLosr: OF ESCROW SHAU. 9E H,\NOLEO DIRECT'_ Y BET'.'IlEEN BUYER ANO ::il:-:LLER P'ofat,Of''l sh"Jl
b", n,,"ce tK"ccl eel .;l ]0 d"y .-non'!)
1'). WITHHOLDING TAXE'S: S<1:!or ;lna 8u)'Cr ,~9[f'" 1('1 rx'?cut" .~IlY 'n""\J<n<;,()t. n!fidflvlt, ~tate(nc"t Dr "'9trv(1'Or\ r0,'·,O'·",bly n",r;",,,,.~)'J'
I..! (:D()1Ply ,-,,'It, '00('fi'\ rrJ"-'''TI\) ~r1(l C<llifom/n wlthhold,rg law, If reqiJlred (C.A.R FOI"T"r' AS SInd Atl).
20. MIJL11i"'Lf. 1.ISTI.~1S SER'J1Cr::. ("NILS"}: g{Q~",r!!. 'Ire :;\\.l1h(1r7l'.d 10 rl'lpor\ 'c() Ihe MU; ~ P'\i\M1n9 sale ~n<j. 'J~'n CIoS€ 01 Es';1"oW llH:)
I",rrn", Qf 1"is lr,~r·"",C:IO" to b .. Dlr,115he'J "'l'~ di~~-'1n"1lr)~1 ...0 to rl'"'rGQnl; and r;>nritk;-~ :'lu1.ho'b:ox1 !O u~~ the inkormotJoo on t"rmtl
~r-P(nv~ l:Jy thl":' 1~..1I_~
:'1 EQUAL HOU~lNC OPPORTUNITY. ThQ F'rQperty 1$ .. olt.! il'\ cQrnpll;\('cn with fOO8r;iI, st<1te .:md rOC~lI an(r·dlcc","niration liSWIC, .
22, ATTORNEY r:Fe:.S: If' ,my ilC1iQn I"ro~e""dine. Of amitmtion tJetw~ Bwer "I'd 5ellei' Mj,;jnQ out or lhl,., Agr(,1"menl, HIll pr"voil,,)g
fluyc.. Of Sltllpr .. hall De ",n'~I""d to c'lf'S"n:Jb'" .;Itlom"y (",eo. :>nd (XlSIG fr'Jm th., nO.1-pl'ev..iling Buy"r 0'" ~,rller. except ,,~ orovide<J In
p"r~grJ:lr>T'I 1 ~,t;.
Z3, sr::LEC'r10N OF SERVICE PROVIDI:':R.S, tl' Br()k~r:t re-!J.lf BUV~f or S~l~r 10 pe~~, vendO~, or ~ervll:;e C>1'" f\rol"lucl pro,•.o"""
('Provider!"). broke:~ GO not Quar<l\lt",~ IIw perforrrancc 01 "ny Provi~ers. Buyer an:! Sell~r mflY ANY P,-QV;lU>m of melr OVJIl "'''''=f
erlco<,n""
:>4 n~E 01'" r"SSf"NCI". ,lIlnRI" CQN"fRACf, CIIANCF.S: Time i~ of 111~ (lO(;.OIl~" All 'In('1o,,,.I,,,nd;''l),\ bMw"''''''' th.., r-"1,,"" rrr",
i1cOtO?r('led Jll It", f,q(~P"'''l. Itl' lerTTl$ life 'ntel1d9d by tM Parti(:1~ 11(1 a 1im.1, comp'olll "If1d e:<du~I',c e}(pre5~lon rhe,r or
!\gr~e01".nt witt'> r",,,pecl to it~ ~ubj"c1 mott"r. anCi may n,:,t 0., wnlradic;tflld by ~i,1<!nC': of nny pnor ~g~cmcnl o( cOf1lempo' .. n~ 'uS
~,.:;)l ~f}r-~€,n'"'''"'' if ~)nv ;JrO"f1.:(')O ~f lMi~ Ao(~rn.c("lt If; hplr;i ~~ DC !n~f~ctlv~ or InVlJ(id. lhr r~m~ining prO\·::1i.cn-3 wiM neYll'rfhi;>I,,:'.;r... be
~lv~n ~\)11 iOf(·. . ~ 11.1111 otfo-d Ne,tnor thi~ J\~I"""MO'rYt nor "l"Iy 'P'i'OVI~l~ In it m;t.y ~ o y,wrrd-e-c , AJ"Y\,.,nd"'d, n1f.)(1lf~, ':'dt~(C"d or
Ch"n~ed, ~'Xcgp1 in vvritil1!J Sigf1~ by Buy.i and ~eJl,t~r..
25. On-l~R H!RMS ANn CON01TIONS. i~cIuding Eltl<,-:hea 5uPI"'emcn~
A i7tA-"!Y~r':S 10S@ctlo n ;\dvrso,J' r . C . A . . R . £ . ~ m ~ 8 1 A ) . __ ~ _
G. O.£.·l,J-'"s~;)r,('_t\sr('r~r:,lAdd0I1dU.C':'.i.CA,I-< ~orrn ~A,A~m!).""'· __.L_ .__ . ~_
C. 5<"ll~.l.'.V---.MLR'E:l!"~A~";J'..!l-~<l;U1 An """"une '2lO" V.' llQ;;C"o>d;~ (('orO b?"'rcrwl;J... QJ:..J;lul~aJ...._._
]:>tg:=},~§..~J--';;JL.Ii$'~J...P_~_~'·!;",9.\=~~~~1~.[;,c=" ...
l "R'i'P~jrc-- CTH.';:l"S ;;J"\' '/jp;lir:'3 (",::-Iur:! "1 pe,t oo~trol). Q1te'2tlonll. r"pt.l1cements, l""o1jif,~flt;Qn~ or '<I!:or.\Ij"g of tl">" P r 0pe rjy
pi O\Jlrf"'~ (':)r v:'r)(', th,",,: /\~'Ct;"')~r)r
M ;?'9'H:~·d·· (n~"ll"" ~'Th---:r, .... ""';IP<:f\.'V~ttt"!n (,)r \)JodfonlC) ~1.i1n~tu'·''''!: ¢'I ~(J ':Jf'oin:.:al dor,;:urn~r't. Capy or :"-If)Y cc!)nr~'p:'Ht
N ...... Jn9ular .onoj' Ph.J.ral {';tff'r"'S P::;;;d'"'r r(l(:JLlO~ 1he;. ottH;-r , 'NI)p(l aPl="("~pfk.)te -
208 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
\ I "t. <:' ~ • I.J .'\ I JJ : U " P
p. t \l
f>/\.GE S,'1S
'27 ~GENCY· .
.A OISCLOSURf: K\Jyer :!!:H.1 Selrr QJ(',,'1 ,"ci(nowlc("j()~ prior rf'<:~ipl of CA.R. f'nr", 1',0 'O's<":JoWre RQ9<"d'r'lg Do;,l Est~'! Aq<>n.:y
r; ~
: ~'r:;Jlt('I'~h I
(1 PC) ~ e~li"l LY COMPCtlNG Bu v !":R5 AND Sf!lLE'~S: SIJyer :.>"0 0"II~r ea-::h <tCKnowlMge reC<'!ipt af Q d,scl(>~llr" or th"
po",~irl';r,/ 0< mtlJli~f" ,r..prE'Sent"lion by tile BroKer '"prpQ~r'llil1g t~:>' pOllcjp"i Thi" Cli$o;!osu"," may
t>e p"'n 01 ~ li"on<;l "Q,e"m""t
b\JYFL''''I'':\K~'' .,..I),'.... f"monf (~\r ~t")~OJr;;J;te ,j':'IC\.J·n~"11"
(CA.R. F'OrTYl Of'\) OtJ';'4!'1" t,J('tdt:'I';';CJ.r..d~ thCtt 6rOKifjr ~t:"(~~n(I"Q tJ'..lY~( TT"-"y ,'lho
'''p,,,,,,enl 01110r pOlefllrol buy>tco. wh') 'flily evn(\,clcr, maKe; ottilft:> on or u'ti'nCl1<t1y acql1irl" fPl" PrOPI>r1y. s<'llor U110~,M"",h 11'::1
81~e: IQo,e"e\)!In? S..II,,· rr,"'Y ~hD ,epr~S!'l..,t olh~r sel~s ...Illh com~lIng proP<>rt,el'- of 'nlC'r"""t to this B\J"m.
C. CONFIRMA noN, ~'w f')IIQV/,no <J9C:f'CV r"I:lli~sr,l~ '''il rereby rontirml'ld for thi", tr:;n""c:ion
l,et,n~ ;\q<;"1 .~~__ " . ._~ .-C.(;'.l.~~M:Pr. (PmIt "!nn N"",'~) i" th", :1\,1('<'\
of (Ch"r:" on,,!' l.l/l t."'''' Sl\Iljer e~clu"ively' 0' 0 hott1 :he Eluyer .. nd S",II.,(.
S~lllr,,] II,}",,,, ~ . Yi.lrl.~Gri «in llJ(;;tl.tor;8 (Prim F,rrt1 N",m",) (il N.Jt ~"'m"
;l~ li:'d'no ;\W· n1 ) \-:. In", "9<,,,t 'Of (.::,.,';;k on,?): m tnt' Ouyllr ~XcJU"i'/';ly: or 0 lt1e- ~ .. I N C! ornh 1"It'! :.Iuye r ::Tr.d
':)(Ciu':\lvP!v: or
SoIl.." H",~I r::~·.:'t" B(o~l:~ ;<rlt "r.Jl D"""'S I<J the f\.Qr.. ~mt'",1 bdW~l?n Buye, Ilr1<' S~IH,o(,
28. JQlNT eSCROw INSTRUCTIONS TO 6SC~OW f.l<)l.OER:
A. lh~ follQ.,rnq pu... ~r,'phl;. or .. pplic",b~f! POr1iOO9 tfl(-reOl', Of ihh '\9r.."qrnC'nt CQn9 t,itum t~ "'illl f'serow i""truct,<:m~ of
HU'I"r "J)d Scllvr ~o &c:;mw Hol"Qr, w/"lIcn L'>t:row Holder i" l¢ (,l;" I-kmg y.lth Onv r"lutco1 C:>:;nler o1kJr" cm(J .:Id,jcndll. ~nc :-'1'.'1
",r1d,f;,,)"~1 mul"sf InM,ur.1!O'l" to do,;", the ~,.Cr""",: 1. ::I. 4. 12. 13B. ME, 19. 19. 2.... 2::;B arld C. 2G, 28. 29. 3:.?A, J3 <Ina
r"r~gr,-'pn 0 of lI'c '>ccrion l;tI~d Re:ll F=st~"" 13<01<.",,,; on p~ge a If :a Cop)' )f th", ~lf()ar<1ta COnlP"I>S<>U"C'I agr~ .. m"rr1(~) Dr,,~kl<>d
fo, :1'1 t'J"'''';W'r:>'' 20 0' :<2A. 0' 1'1(;1"l'>;)"llPh D of the ~"'C1,O" t,tl"d ROlli E:.. t",~ I:lrok""" on P.l>9<> 6 ,e d<>po:>'l,vJ \NIl .... ~ -.lClO,,", Holrl .. r
by l::lIQk"". Sscrow Hold"" r.n~11 ",-crepl ~lIch d9,,,,,,,,ell!(I» ana pay ovl rrom 8uy"'~ or Sell",,.,, funds. or both. 11 .. hPpli"'....i>I4. 1tlo
8rOK",'j ·~O""'W... &"t'..".., r>rr:-liet"d rc.r I" "uet; agremn",,,,(s). The laMS ",nd Gond,tio"'~ of m,~ IiQ'~em~nl"\o\ ~,p~ IO'rtT'l In \~<>
';~f""'ci('t¢(J P;)":1g["'Dn~ ~rc ~cdltIO!'{\1 rr:7tlOIJ. fef t.~)Q infOfrn:::ltlon ur E5.Cf"O\.Y HOlc1or. but ~bout w'lich ;::[;crow f-tcldcr pq~ ,Ot bt.'1
conc"rr.-d [Ivy". ,>,'d S"""er will r"",","';) Escrow HOld{'l(~ g"m(lnll prov,,,;,ont 1tmC1ly from E~erow r10ldcr ~"<'l will ,"","".II'; ~'Xt'l
PlDV,!:'OW, 11(10'1 E.~C''h.v HoldA(' 5 r"q\Jt'>,;t. 1"0 trw extent t11@ general PJDVISIOnt~ ;Ire incol1f'll!;ttmt Or ~.(]nthct wftn !hJ~ Aj:lrOOIYlenl..
thg ~v(l=r:::d CCcvJ."tlcns 'Ni11 ':"Jl1trot ~)S to thq rj~'1ies ~nd cbI!Q.atiQn~ of OSC(('JW H~;c:k:'r only. g'.. . ·yer r:1nd ~Il~( win ~v:""cvr·'!J' aadlt10nnl
frt~r(\lr;t;(}n;-.., rjOCvf'r\("ont~ r,nd fOrr-ll"; ~Iovldp.d :;'1 E.~drow .HC\~dc, tt'\'M ~rT' rf"l~~o.r1.o0ty n~co":(.~~... ry to ~\O~t'> rh,:\ CGcr'O'\'V.
e. A Copy A t"li'j t\greern~nt ~h81/ bG delivli'red to Es.crow Holder with,(l :l bU'tll'\eg~ dily~ efter Ar:r:~PI"f\Ceo
(Or :J- ~~_ ..... ~--~.. ). Buy~ "nO 891t-er <lu1hor',le ["<':-"<)w
Holdrr to Jlt:A.(')l1 "nd rr,ly un CoD'~~ Di'1(j 3'qn"tv(e~ l'l", drfinr)(j iri thi", A'Jr~<>ment "c. "rilJ;n~lo. to OpOr'i m:.QQW ",no r'Jr ,':h<>r
I)"'DO~'" "f "sr.(,~W, Th~ v;>I'Olty of 1"'~ A\lreemert :HJ b.,t""..eer'l Ruyfr and s..-'Ir, IS f'\l)f :lffm:t~d by w..,~t~"" or whrm l"'0'OW
H01cler '<;'<)"~ thl~ AgreeIT'<?nt.
C. f";roker~ I'H~ :J pm1y ro Ii'!' oP<;(Qw f<), t"", .'l.DI", DV'pCl".. 01 ccmpet"l".;Jtlon DU'l:W:l11l to p"r"'Or::lph5 ~g. :1/1\ ;)1'I(j p::lrr1Q'I9/)t' 0 of the
';1'(;1;'0'1 t,tle') Rorr: L:.t.'lt·j On;JI<",r; on p.Jo'l'" 1:1, 8lfyr:r <ll'ld s~nor irrovoc.,bly """'~'~f1 1" 8,c~r:\ '-;Qmpen~Oh()n !'p<;:c,f,\')(J in
p""",gr,,>ph" ~g Jr<:l :.:J2A. ,,,,,peC!lV0I'y 'lnd lcrp.vO\YIb:y Insl"Ic1. E=row Held... to d;sbvr>e ft'lOS<' r'Jndti to B,n~.""G at Clcn;C' or
£,C'Q'N {)f .r"llf"l.I).-n~ 10 ;t'ny o1her mu1.u:)My ~,)(~Cll1ed C1U't:""F"t1-aUon a'd(p~~t c.O~~'5.3.tH)n i1l'str\.lctl0n~ can b~ 3mQr¥Jo~~ (")1'"
, ",,,(..,,-<,,< e rll)' 'iI,t" n", Nr'tlQr' c·:>",,,,,,, of B,ok.,.,... E'~-:-cO'..... Holde, ,JmlJ ,lYIl1u"dk,tdy "OIly Rr"'~or1l: (I) 11 8uy.r!; ".rt,~1 0' ;Jl1y
"oddit,onAI d"po~lt is 1101 rl",:Jde pl;rs\J~nt to t!'Iis IIcJl~ernenl.. o( '" not good ot tim", Or acpnsit V'lJ'ttl E:;.:;row Ilolp'!r; or (i,) rI tJuy<:r
",nil Se'I~r imt:uct E~cl'(}W Hold@r 10 cancer ~~...cruw.
D. A C;opy of any ~m~,,<jmcrr I""t .. (fQC'~ Clny p",r~.,r<l,h of this Agr9C:fncnt ~or o,vh;c;h C('o'ow Holder l:t Coh'lil Oe ,,,,,pv,,,.,ib'"
rjQI'VN~<1 ro E"e;''O'wV ",~hjo' ',V.th,nl. b\.l~i""~:1 cl;>y<> nftN TTlIlfui'l1 !lJ<f:cuhon ()1 tho "mcnOm~nl.
29 8ROKER COMPENSATION F:ROM eUyc:,<: If <JppliC~OIe. upon Clo;;e Of E:SC;QIN. Su)'er agrees to Pay compen~"tiol1 to BrokCf' '!IS
s~,,,,.Ifi"d \f\ Cl 5"I''''r"le wri\'~ ;>9'~W·'~'1t i;>etwc<lf1 l=lUY'j' :.If)d 8rokElf.
:J1.I. T~""MS )\NO caNDiTlOH$ or OFFER:
,1'1'$ I" ~n off", '.0 purch1l3~ Ire Pro~")rw on t'lc "bove \efTT1~ ~nd Condl\IOn~. All PM;;lql;;\phs wTth :;tpac~s for jnlvahl by RlJYflr i)Jl11
Seller arc' incorpor a 1e-d ,n \!lis AQ(e",rnent only ,f l/W,"".,..;! by <III DaI"tiR". It Glt le;;l51 on~ but n,,! nil parties :ni\i...,I. <I t:O()rlter offer ;5
""Q,)i,,,j ll.",,1 ~';r~l''''',!:n\'~ !"C:;lcft{\d S~~l"r h:J~ me n';r)t to CXlnUI1\Jp to CJf1fir thQ prOOt'llty for .;;>10 ,)n(J 10 :JC<..'9P( ')"'Y "'1'1("( Q1~r 0/1 :>l1y
lIrT'e pn')r !O n'A ~C;l:,0n of ACCil:p!tH)ce. [JLJY9r hill'; I~;)rj "nrj 1:lc!<l'lOWIQQQ.S recjJlp( Of " CoOy of If;., otf~( ;.rnd ;;lgrr:t)t;. to the JlOrJ'ilO'
c,...rfirm<l~,r.n of )Qe,'cy reiOltlonship". 11 ~i.> o~er is ac<:X'pred llnp Buyer subl5"t;~lI,nHy dt!fi.lult:.. BlJyer ....... y be ,,,,,,p.:,.,,,b!o:! br
:",yl"l"e"\ 01 B, ok?"" CDln~n""non -;-h~ An'Q-",menl ~nd ~r'rf l>uppktn1Qnt ",dd"'l"lrjul1" or Mcdifr<;;.l,O,'. :nr'.JUd:'·g 'j.ny ':~r.Y. rr"y b<;-
~~?n~1'j ,('1 h'~, Or" ('10'''' ccvrt<Jrp.)rt~. ~JH -;If 1"1'h:cl) },:11~JJ (,Q(){,.tqut~ Qnf1 (')nO the ~:;.Hl'" W'fi'ting
209 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
\. \ c"t. ~'~_, 1j '1. U ~l ~ U ( 1:) r. 11
:)1. ~XF1H_ArIOU l:;~ Cr1=CR; ir,;S :rl(~r ~h~'1 t:~ tj.p~n~rj rt"VO!\tLI ~n[i 110 ,je~(;/;t[ 5118,' De r~turl'~'.1 i,)n1o?S-S t/'.e- C~r G GI'\~ t)y :;.. Ii~( ,1r'0<1 ~ ~'1~J'f c f '.'~I"'"
$'fj':'fJr;J o('l;r i9 p~":I':':'n~l:y r~C'Ci'f'E'::::t ~'t IJU'I"~t Of 'y - - . - ~ . ':\
~ __ . W!:O ji
·_J,M-....;-r'·:-,C1 '0 f ...... r:-n','... ~ q l}y' ~_'J'-J ?\1 0,1 tt"Je t,')if'j lA~nd~f rJ.,y "'f1~r ~h,f.o; otrc-r" .~ siQncd' by (lv'/'el" (,), If -:-h~c.k.~. LJ by
-_.~.ifJ-----.-.4--~
Dal,,':1_-~i ~
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,el . ~~:I--:- -._.C
-:::}--' __ ~ _
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f'UY',H __ ..! _C.!~LL __ Mft.}:;;.J/~_1___ __ GUYER --t,.;
fh·;;~~~:;O".n ~------ (Pt1nt~;;;;)--..F --------:=-==~..::-==
LUZ....,t(~~ c_~~. S".~k.,2_?~(!g."'..:.e~~~~ . .
(A.tj~ff'~~>
(print I-l..mei----~'-----~.---
CONrlf'lMA nON OF A(.-:CEPr'Ar..CC. A C',::py c( S{on.Q' !\C;C'='Pl.1lI'OC W"-!i 1"'l;'r~vn~lt)' 1~C¢lrv~ t)y lJ.1J')'dr or O'Jy"'-''lI .. \.th("){I.L<-~
~(JQr'l on (e:,(,,1 . <), _ ~ C' AM 0 I"M, A blOdihg Agreem(>Ot i" ~,..,fttlO<l W/t(>J)
" GOrY N '--~'9" ..d A"",,,Pl:3r>c,, 111 >X>r<;Q" ..lly received by (]ur~r or ev)l~"'~ ... ut~(fz»" "9"rlt whnth", 01' not r;-qnfi,·""d ;f}
till.. ?OC\lrr.orA Compl~\On (yf \11... conflm1ll'\jan ,.. root 1°9:011)' (""lU;'90 in Qn:1<!' lO cr<nw .. b1flOl,.,O 1''i:lfWrn""t; n. '-. ",Ol~y
Inl.. r>(!(l(J1O eyld""".,. ~"'l'll d~o thAt (~onf'hmot;Q" ~ ACC"pbmca ",," %'='\Jrr-o:~,
REAL eSTATf: BI'())\ERS:
-----
A. A.I>J ",""big ~lrDkl!f"\ ;J('" N,l p ..ti-.s to t~ "'9'...,moffir. b-4No......' til.....,.., ;'\nd "\o>lIor
13, AfJlt"'C:Y "l)f ... t"O""~""p1;, ~"'O' Cl')f)rtrm"'..-j ~~ ':1toto<1 In p.,ru~('-drr-. '2.1.
r;. Ir ~peCllle<:l10 p"'-O')'npl> lA, ,"""er l 'I'ht ",)t:>m,rt<>d tJ"'!' Qfl'er tor iJu~r "~n{Y""le"ge~ r€O'!;~ 01 Cl"p~1t
o COOPERA riNc. npOKcR COMPI>N~!\'TlON; Listi'1Q ')r",,,,,, "g"'''~ to Ny CoopOJr~tl"9 r',M_r' (Selli~ Fir",; .."d C'7':o<l"<l~n9 6,':'I<e, ?9,e"n '"
~';r-flO\ or;t of !.i~1i{YJ nrol<--Qf" Oroccoo,,- '" "':'-'<QW' (il \r-c "rrQl.lf1t "P\!!\;I~1i f('\ 1~. 1,ILS, ;)'ovid"j C<np':I.Unq nM~R' '" a Pp'{IQI"",,{ r)f 't'e MLS ":
\tJ~1!d:'11!"'-Q 0(oo~r1'y ,". Cf'T"F(l1) '')~ "4.~tlC nf Il r~cpror:--:'ll Mt..~'\'. Of (Ii} C' (of (rt:f~J.<od) thi) ,;nTlOunl :'~/,.t1I~ 0 ~QP';)I'l)1<", '~r'l:Wf1 :'Q~munT ~CA.f.:', l:or n ,
(_-:':~l ,')oh.o.le-en ~ I~t'n-f} E3r'Ok~r or..-? CQn,e-efg~itIO O(ok~r
q'l"In~ t~"tatJ? Rr"k'!'r (Se-J11nS r:lTTT'I) C~~~:Lr;. E.~L
~hr:roVoJ Jo-IQi()e: l~ :'t1'(I~e~ th~t ~}'IO d,,;'o Of :::i}(~flrr:3tI0fl ':':f l\":CO()tBnce of tn~ Agr"l=!'.-rn~nt tJr. ~r~n 8liytH ~lld s...t. 9f' i-:;; _~_ .. ._._~_
{~(;crow ,11c\dnr .__ ~, _ _ . EBcrO"N-tf ~ - _
uy ~ __ . . ~_________ __ _._.. D:Jl<o
i1rJdf\J:\rt ------~~---- - ~
r'l'\<jn~!r~~.;--..-----------·
------~--- . -----~---.---~.~-.---- -_.-
J E",rT')'~, t"\r:,~rJ~, \~ \;::;-r~1j tiy n\~ ~,~Ilf-.:}fllia ')etJ5rf~;:;-;--;t~~t\T)r,£', 0 ln~vr:irnC-9.0 R;~m E~to. ~nse 'It -~~~~ ~ __
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~.r..Jr-CY:-rON
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or
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OFFr.R: N,...
_ _ (D~~e)
(J"lJnr.,r o~~(' it. o 12111 'J ,.,...,do Tn;. cNt-r rQlY"h~d .... ,,~ (e,~.MO t-y"-~""'!r-( oj
--- I-U"S
TH1:2' rl"\(;.I1\11.
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8r:-G~ APF"r{f)'JI;O i?y iH~ C!\~IF(lPT'Jl.A J'_":.'t:OClA~!'~.-..: OF ~ei~\. OR.:"JIlQO tJ; A;':). f'tO --.o:ePI'H!s.r;.NrAn0r~ IS MI'.O~ A.~ \'J -notE LECJ'l~ VAl IDlr.... C'f".
Al)~O'V'At;',' ()j! ", ...."( r-r.':V/l",1~I·I_'~j Aqv :,"J'[GIf Ie ·R4'\~JSAOirO:i '" f'4~l'l t;SITI\T( J~o~t::~ '~ TIof' PFn~~\,f QU/,,\.r'I("D r,') ~J/'.IJ~ L"'J pr:/,I ~~;.I\Tr::.
-( 'I" {,-, '"' r... d"'M' :\h t . : ~"t ,,1-11!> b( I ~~ e-Il!'(" ~I ~ ... ,.,,~ (",1"""':')0 l "- flC' :n"""'<JC(f to:::: ~flf ... ","'\!! ,---'s.'" "'~ ft .~EAl '7""CP$l AE..'\:"iOR1!' I~ ~ re"lJ';;:~.'p.ry eel ~'1\0 ,....'-l..~(;"'-t)£\r-:......... (r..;Jr~
".'0:'" "",1.' I,.., ''.o.,~'1'" 'I-. r (",,,:,:,,,,~,~ ,j' ->-~ 1\1-' 1 ,l~r-"j\L.. ..c-...~.-;Cl~':~ I 'I~('" l:Jr RF.J\l. rO~~rfO\1tt\1:'l ....... o,.c(.~ ~O 'l,.(. C':''';.'IZ --=' t-.:"C"\l'~
210 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
\~- ~2 11n~~B7S]t MAR,~ FC.:"'RC\>!
\"(,>"-,,,, 't:: n; ~'C ~7~ ~8J4; SEP-2~·C4 3:5/r~i r.'\GE ~i)/15
C 1\ l ! , 0 l\. t'-.l ) ,~
A ~ ~- n C I ,.... T 1 0 N
8t.JYER·S INSPECTIoN ADVISORY
Of P'"'-: ..... _t():l...::~
\CA..R Form ItIA. n""''''<Xl10101}
~ {"Prop,."y").
A. IMPORTI.\NCC OF PROPE~TY INV'=STIC/\nON: Th .. Dh~$;c,,1 condil.on of 'he "»,<:\ ""'(1 ,rn[>rnv,",m"cl~ br-i"O purd ....,,-d ,~ "/H
glJ;:lra1tl'e,j by ,,"hl;r Scf!~ 0' arokc'~. F:,r thi5 rt:';'I;on, YOU slloolct <;'OlldUCI troorough im/('sti\jF!1.0nt< ,,( lh!:l Prl)per.y OOt.,o"~lty ;Inti '.'Yilt'
pro~'j"~;0n!lIS whr, '''aula prov,dt' ",<ntteCl ·pr,o~ [)( It\~r Inve9t~alio""s. A ile~r:il phy~,~1 if1~pecti<::n tyPlc~I'y ckJ€'S I\N w~r;lli asp<:?d"
or It',e PrOD'?':'! n:::rr ,~,,,-r" :.I '(pol' 1"19 i11'" PrcpPeT, (I\<>! e,re net phY~IC[)lIy loc8t~ !Xl the Pror,,~I\I If the orofor;sion!ll<:: ~<::cm'11E'flrj f,.tnh".'r
(nv~~~t,g:::"tIQn!], IflC1tl(;i,r"') .:..: r<:,:('".o(""\mr-flO:";~I~n by ~ pn:-\r (;0r"1~(o.l op(""'(t"ltor to IrtOpcd inr;v"'A!':<: .... I~Q' ~~CO& of th ... Prnp-erty, rev :,. . .h ;)l.ld oontad
~1".i:;II;t~,)"j pVQenJ: t(\ ('-r::'n:-tlf"'l ~'J':'r. ~d'Jil'o;'1~I'rh·I~~tl~Joi~ions..
O. IJUYER RIGH rs ANI) DlJl11:'S: Yr,u h"vq :1M ,,If,,'--n'''lv",, duty t-> a~.(c1~ ''!,~~Qn.,bl .. C;9'~ 10 prull>d yCLJr",..lf, ·n(.lud,n~ dl"r:¢'J~ry ~f
tl)o h.:gni tJfnct'C,,-')f ;,Jnd b~.t->rllc..=.ll f~npll,:,.....' )tlor''': ("f disCIOSl'!'d r,1d~. ~nd tlJp. ~nv~tlglblion dn(f Y'v.rlf1Ot'1ttc>n Of lt1tonn~fIOr~ ;')nd fi')cr.s. t'"l;Jt Y~,:"\.I
(IV\¥( Q' (but <lr"! 'N"11,n 'eu' diligent att~"fl0f'\ ""cj Otlse!\lation Tt.~ Pli(C~Se, l!Igr~t¥\t9'v~" you the r>gr1t to ;n,,~.\iga'.e PrOp<?rty. It t""=
{OU eKercl"" ~"15 '19"1. i"'nd YOLJ ,,110,,10. you ,.,.,,,.,t do so in "ccon:l<lrv.:e with thn t",<ms 01 tro,.t "g,ppmenl Th«; i'" th.., t)egt w"y for yov to
J'::l1~ct }'"ur<-QI! II ''; .,x\rF)~iy ''''f'C',ynt tryr you 10 rO:ld ..111 wlitt~n rOllor1~ prov,dltd by p'of(V:~"Ij«"ls :1M to di<;C\J'\.~. thf' r('~IJ'\-:. ,~(
nt.~pectlons Wet" trK" pr~Je:':l.:iJOI';:J1 whO ~Q('dUCT(~O 1hf':' InepcCTJOn. YDu hQve th~ r;Q/lt '0 r~ql,.H';~t that ~·(Jf(t"'r rn.a~t' (~p.:J~r~. r:.orr,-'C'bofl'~, ot'
;q,1<:f.o> r:'>tner" r"'r:t'On b~-l5ed,_';:on ltl?,fr"'$ rJi!;{,,;o'J'!,~d lr) ,,!Cl'~( i(I\/~stlg~tion~ or rj·:'ScloSCd r;.y Soller. It SeJle:- ;$ Un'NlIIJno Qr un;,Ne to sa1i,c,(y ''''-:'lJr
·eClu,,".tS. '" yOLl do not want ~o purch"S-!; the F'rop"',ty ,,' its """,,,Ir,o<,d ",nrj dj~red c0f1o;1itlon, you have (he fig~'t to c3ncel !he-
'9m.-:rnenf If you "r:t v/itl";i<) ~p"r:;lic tii"l'H p,."o11ll il y(')\J 110 n(1t e... n~'!'1 tho a"r~m('nt in Iil t1n""ly ;),,<;1 prODer ""i1"n<"r, y~ U 'nay t;lr.:' ,n
,r~P1G~ or t:.\)(\h~C'
~, SE'LLE:R f</GHTB AND [.JUriES: Sell"r ''> r!?q\Jireo te ClIsc10se to yOLJ material f<lCIS ~now[) to hin"lher t"~c>[ G!ffcct the value 0'
'0:"'irab il ,!y o( 1,1(' Prnor<1y HQw"vN, S<'I!<lr ~"'Y r1Qt b" "W;l(~ ot 'l~·m". Pmporty <Jof0.Ch or cOI1Clili("'fl. 8,.R~r aoc~ no! t"k"lVP' ,>" '.Jl>llg",(JO'l
() jns~~~! It,,., prOr"'ly 'c r j'Jur nene1., nr~r 'S; 5(111", r,blrg .. tQO to '''ra,r, Co((ecl or O:t'ltl!W,se cure ~nqwn 1el~C1'J lh.?t oce d~d"'!lNj '.0 yOU
" O((,v/c',-,siy IInkr cwn d,.,f","", lh::+\ are ctisr:(,v"red by I'au or y;Wr l"tPN;W'~ dU"lnQ Ht-(;row. n\e pljf.:h,;,\>c !)greemenl ot>lr::ptes Sp.II~r tD
nal-;e 11'''' P,op,",,,!, Olva,l;,bl" !o yOu lor 1(,v"'~lig:;ltions.
) BROKER Of)LJGI\TIONS. Orok""" 00 ne'l ~lilve eJ(r~r1ise in all Jr~o~ er'lO 1l1erl'!lo''l! C:.nr101 aovl.'ll' you on m2ny il!'lf'~. ~ur:h ,,:5 ~o"
mb;f;:/. ge<JI<''8I<;. '" 0n\·,' D'l""",,,t,,1 >;-:>"&-10(\9, h:u"rrjou~ or illegal r;>Of"";trQI!9C1 slltlS~llnCQg, SlT\.JC1tJr~1 conciitiOI1S 01 the rO""d2tior'\ 01' oth",r
''''p'('0',j~nl~nt~, {)\ ~h~ :::-,,~d\:\Cn Gf ~t-oQ (001, <::,\·.j'TlbinQ. t1~C'{If1g, 3\r vonOHl<lIHng. ~ectricn\, ~...ewcr. ~V'\l:: 'Ni3.~t!: rl.\./'~~I, or "tt--, 0 ( I;y~totl\.
'~H·' 0r,f'/ W,"f4y ~o ;t..:C"\.,.·.,t1~iy r1V1J1trrru(':O' 1ntt C('I"'o·tJon of 1h4 r'ro~rty r-:s throut;J" no ,n~p~ctlon by nn npf:lIOprTJJf(J I;rQ1(:oc(.j()n~1 ".tQ(';~~ t;y
ou. 11 Droknr ,Jlv .... Y0'-' '"f",u"l~ (0 ",en pr,)f",,,.lr,lI.;>Js. Br':)k"r doe" not ~UJ'r~nt" t~e1r p~rlO<T";lI'C", Yo" m<1Y "","->ct UflY l"O!cs<:IQ,',1i
f your ch,><,,,j"9 I" Sdlf"~ ir olvil1Q reSid.... rti"\ dwell,ngs wit', no f'T'lQ(f!' \t1an fuur ullils, B~Qk~s fllIv", a duty to m;:;ke a dtlis:!ent ,,'~al
lV
I~D~cji0n n' :hl'! <lcces<ir.r" "",tl~ of the Pra"erty ~nc \"0 dh;.;:I<:lSO me ceS1l1t!t ()f ttll!1t iOSMctioo. f-1owcv(!r. 3!': ~om.,. Property dMects Qr
()f)d1t,cn~ rtl:J:y not bl'"" dl~cov..,...~blQo fro,...., ~ vl'.. r)~' lr"),,\P,H.,t1on, it iI'S pO~c.tblo erok(')('f\ nr('l not ~W'lff~ Qf ~~,"n') /I yO\.! n~vo ... ntfllrm into ~l
'nt!~() <4lJr"!err-","" VI 'r, " 2'-OK~r, Ih." spuofoc ;eflY'l§ of thm $Qfee/T1cl"lt will dl;lt~fmiruo the n",turp. and c..',k~)\ et mat Br"kl~r'e dut) Ie you.
01) ARE STR~mC'~y A.Dv'lt';EP 10 IINESnnATE THl! CQNOIl'ION AND SUlIA81UTY Of' AL\... Aspect::> Of mE PROP!:R,'(. (f"
OU DO NO T 00 ~O, YOU A~E ACT! ~JO AGAINST THE ADVIce O~ FlROKII;R,S,
~ YOu ARE AIJVISEO TO CONDUCT INVESTIGATIONS 01' HiE !';NTIRE PROPt=RIY. lNCl..UDrNG, BUT NOT UMITEO TO THE;
FQL.LOVVlr1G:
1. GENERAL CONDITION or THe PRQPJ:RIY, )T~ SYSTeMS AND COMP01'4ENiS: FOunC"tiOfJ, rOof, p1umbln.. , ~.:lllr)O, ,",If
cancl;;;"",,,?, ,.,I..ct,i,;ol m.(;hl'\nlc~l. lI"'curity. poor;op~. otn!':r strllC1,."'!.)1 "nd non-}ln.ICll,Jr(l1 ~,'~I<!'m~ ~Ild component"'. r,~~.:"I'~,
t1,,:".i":ilpp"~nces o.ny pn~[)al. pcor-o'ly i'K;!ud~d ,() the c:Jl0. and enRrgy El'ffiC1,,[)(.y of the PrD~~y (S(ruc!ur~1 en91,~~""l; ;lr/'! b"st
sv,to<;i 10 <;1ete mfln r; ro~c'blec C'es/gn O( CO(l~lrlJctiQI1 a()frct~, !:HId wnett10r Improvement:;. rlrc :;trlJctura:ly :;ound.)
2. ~QlJARr: FOOT-\Gf'. ACE, DOlJNDAnIES: Sql,J~f<' l()OIClgo, rQ0111 di,n9n~i<m~ lal fO'Z';> .~f1e ,mprO'Jltmcnh on<;l OOl,/nd:,,\<:~. Any
ot
CI\,ilnorlu,1 )t;»t",rrwnl" r0'l'Jfr;I;)Q 111 .. ,,, It<:.'m~ are APPP.0:'.IMAnON$ O!'Il. Y Clrld 'jay() 110\ b~<:mv\.111Ino py S~le( ;.'lila l,;;l'\110\ b\;
v,.r;(-::<I by 8rok~,> F'dH:"~~, t1ec1ge~. wt>1I~, ltiltalning ..... "If... .. other narul":.'tl or conSll"L1ctcd b;lIirrerli or /11'.,-1,,<:,1""; dO Clot "p""",,_~r;
"a r
11.1""';/". lrU.,- Fr<:;>e>'1"! bCcm'1." C1 es (Pmf"'~lom'\IS 3ucl- ;.IS nppraiSer$, .lTchIIQCts, 5ufV"'}'0f5 "n<j -;,,,11 eTlgi,,~pr ... 3C1! tt.!-st "ulted 10
d~torm,r(\ .... 'l·,..~r~ f("l,-:--t.JQ0, dlnll'Y!f1~tcn'!'"', :'!()n bQr.Jnd'?'r1('~" ()i th,? Pr<")p.<'?~y.)
~. WOOO OI!o!':Tf10YING f'F':!:TS; r",,~'1"ce "r. or r;-o"(!lt'Qn~ 1;1't:'ly ~O ''';.10 10 me rf"~unoe of wooe! d<fstH;ryrr>q p~ct~ .'>"oi o(gflni5.<n~,
~f1d J'the, 1()1~c,.'·"'If\('1() or inrtt:~i.~r"l, I'1S('Q-CtjC,rl ,-cports. c.ov~riPQ Ihe~e ItenlS can bl'j ,j,cparatet1 Into t·AfO o:te<;IIC,ns,. SJ:'~~""r"1 t ioent'rf,n"',
ere~~ wh,,:?,(~ ",k:Sl?Jtrcn Qr InfCC~:O"Jl ,g eVlotJrrt S(.!(';'!ion:<. identirH~" oJ(~S wt-erB' thcro ar! ,::OltdlliOns liKely to leCld to illffl,~~tlC"'n '_'Jr
.qtr~t:or, ~\ rc)}tstcrr'd ;"!rLc:u r :Dl 0"'1.1 r.::onfr...,r comonny :J 01;'-'(",1 )uj'C"!(1 to pC'rfo~ t1"J~~~, ~:,;p~C:tion:'j,
211 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
p. IJ
P(\c~[ 'l:
~·1Ar<1'\ r::;C""'J'.J
·')1 I~ .271 41J::1'l; ~C(' ?~ _ ;)4 p ,t\lJ( ~. 1 / 1S
WA3T~ DISP~AL: fype ~t;2''''. yjeQ\l::J~, CPp...,Clty ~nc1 CO{l<ii+I~n of sewer cr-rd ~l'";pt'C ~y~t'e!rns. ~nO CQrnponC':nl~~, G('nnc{:t1op tl~
flv{·' ,lnd ~:.,,,~-,,..c('-k-f)-IN-'k>-d-~-"-.-!l"d,~g':;;'\h,'l ~!<)~W" Ii) CQ'" "01rJ.. ~t I>lIce \hnuU1 ~·vy~r or O~)' ~(lllfr
-.Mv/lj :I<;o"(ll: (II) r:...,~~
n01
3t.L1mn(~~ th'l" f.:Ol1dJ'H.., n ,..'f tt,~ ~"';'}OIPr1,Y. ttd) Ot:e-s not gUAfIH"jtoe the ""rlOrn"'~I~. MI'!IQ\l»~ 0" r;.t:lr"'l~ete-n~ss I)~ In~H!settoo~, 1i()(v(CO~, pr<'adlH:::1:'t; ~!
r~o~ir-; prov,d~<l 0> m"de ~y s."llw O' o!'\e'':';: Snail nr:ol b" ,..~jX)rn;lble for oden~l!yi"g d'!feehl ihalsle
(,VI 'w\
~nOWn to ernK<'>t!l1'd (a) Ill.. "col ""ui\ily
vb,,~rv&bl" ,n ,~",,'}r~hly'O'~;"hi_ ~,,~,,~ ar 1M P'C(><'r1y: It'll are III ""rnm"" .. r,,~: 01 (C] ~rO: ,,1'1 the $ik> ~f l~ f'fOO1If1V; (v) Sh~1I ~nt 0"
:C!:ool'nil:-l~ (01 ,n"pl><:!i..,C pubhe ""C')'<J~ 0' prrmit, -::()n~'~"'D H"~ ~ttJ~ Of u.,~ ~F p'?P.,rty: (v') Sh)J1 n6t b.. r"r.p:",~'tl..., for Icnnl:fy'lno;j'lh1t IOU!'<'ln nr
Do"ndlllY II~" '" (fI'v·r 1[","...
m'r;1.'f1Q ",t...
(v. i) .~n~~ "0\ '.l., rm.p.r,~bi. f<:l( lrtlf1fyinQ ?QVl)f(! rootllpe, ""p(".o"nt~!",,,,, 01 "th"'" 0' ",t"'''''''I,.)''
Wllta,n",! ,n I"'d~..p h(>" '~P0"~ M""'(l", L',h"9 Servl~. a(!,.ltt3err.ent1l. "y;>'" or IltrlQ( C'DmOlioMI rn,,!.ot""': (VIii) ";h<l~ nOt be r~?O"51bl" for
"rcv'dl"~ .1"'9"" at \"'. ~dvlce ""'J~rOlng any "~J:'f'1:t 01 B tf'll"~:1etiOl\ ",,~rBO into by 1l<ry'8( or &ll~r; M<l (IX) Sh;11 no( br.> re6P<lI19'bI. for o(~,cIinl]
QttHI(. ~ctvtcr. ":)r 'f)f?(rn~'H''':)f' lt1l;J~ ~t.;ge-d~ tbe knowjll",~Q9. e¢'ll"dion :::lod ~)(PO(i'3flC'3 reQfJir~ to p-errcl"'m rv:a,r ."r.:etP. licensed ~Ctl'ylfy 8uyqr :,\nd ~Q~e,
_~~(J(oO" .Q ,,:",.0.0"" 1<:-9.)' to.~. If\~Vrlil"C(,> (.1'0 h(\d cothtt .. al"Jf.d~(t ,)~('"fjt-.Jmc:C' from ... O~r"¢pn~r. otOh,.\:JOi"'lJ.!t:.
-;d<.:..ge..--.f~»--"z1~~~_-_~CL12L
Y('Jr"$lgnature ',.' lJate
vie. Sa-LId a.n
212 / 745
Court File: "Volume IV Continued"
1°
Samaan v Zernik (SC087400) Los Angeles Superior Court
\ .'('(:'If"": \ .J.
t-"i/\PA e>::C\7'\Y.·.1
,""" "':'11 ,~/:\.....,.~: SCP·:.?~.C4 :J 59':'>''); P/~'(;L: 12fl~
CA I. I r {\ rt >, I .\
WOoO DESTROYING P€ST INSPECTION AND
r\ S SOC: j ,-\ T I (-' ,.".
Or. R.'~"1TOI\"''''
ALLOCATION OJ=' COS. ADOENDUM
(CA" r-:><m WPft., ~l~~<i ~OI'()2\
T:'II$ is 3" "dd~(1(I'_"'1 I,.) 1'1,;< [Yo Ga!,forrie f~e"'iC':!r,tl<l\ DurchOls;e A~rn8mE'!f)\ or 0 Other _ _ ._~_'_ _~" __' .
. .___ '~- __, . ("Agm~rno()!"). cEltM _.c":S1LC~,;,,"'_.L_2.!2P'!._~ ,
(.'f\ p,opcr1'y' known :),; _'}~:o 5, l""'c~· orJ~~cr-:;'~~{Jd r..1.,
9p2;'2 CA ,_~_. --~_ _~.
~ . _ ._ _~ __.. ~_._~ (pro~rty'),
TMc r::OLLOWNC 8H/ILl REPI flCE THE WQOO DESTROYING PEST INSPECTION PARAGRAPH (4,1\ in the californi;:)
Ret:;idcnUIllI Purcr,;):;p ;\'1r""'ffio''l( ',RrO-.Cf\,;) ,nd !"n':;l1 ",up",,',EJda rlny cOnn'Clif\\] t"'ffil~l in :'/ny p"""/iol,jjry~"'f',.1t",rt
,'lgreemell\',
Tnf"l Rc-pOf1 s~1l not 'f't:Judr:- rool COvC!rin9~. If thl'! Property is ~ "nit ir> a conoomln'um or \"YthC" <;ommo'" IntNc·st
-;;ubd;v:s,on the> R!~oo1 ~t1,.11 inclL!<'l'c C'l'1:f milt r,~p~"'l'" ir1l,,,,r!'!~1 ,1,.,0 (1ny !:'xf-lU$lve-\J';e. ~)m::;~ beinG tr;)n,;!'erToCl, 3na
-;hall not ,nclude CO'":r-nr> ",reel!!, \iVa!er· lJ;J~t:; of shDwer p3nS On upoor level vnits may not be penon'J{1 lIl"lle:;5 the
owners of pCClp"'rty b",'(,w the "h"waf congcnt. I( 811yer r0ql)eSlS in~r",ct'ion of inrlCceSSiblq areas, 8uye-r shl1ll pClY fN
tt,..- CO!;t D' cn:,y, ;r,,,<p<toct':Jr. ",rid CIO~'f)9 k,r \!,o<;,c :il'~a';, L,nkl"s otlHtrwi-.n :-)Qr~d A wnltJt>n P",-,l Contl":'/ Caoftif:CHTJI)Yl
sh,Zl1l 00 )s"lJcd r;nol l0 r':iose Of E:,.,r;row, unle5S Orn~w;~;e agr€'od, emit If no inrestaric'n or <nt",c(io[\ b (OI,JOQ or If
requ,rpo co"-r8<:tl'..I":- 'Nr,('·< Is. '.;o,npleteQ
1'). (S~dlon 1) 0 8lJy~r I]l Se~h,'r Shgll p~y !or wofk r~commR:nded 10 correct "Section l' conditions (lescribe" In lh~
Rc!,ort and the coSt of ,n:;pectio,), ~r1try and closing of tho1l;l inaccps~ble a~R~ where acHve inrest~;on or infl>c.tion
I:;, dl~CQvl1r< H;l
is.,dlon 2) Qil Buy",,( c: SI'il(;f 6tmll p-"y (or work rc<:omm,,-rded to CO""~cl "Section 2' condition,> c1escritll?d in the
Report if r('f'\uC-;;('ld by [<uY[lr
a.v ,i9nln~J t>eIQw, me undcr".gnlilo 0)<: knoWle(lgt> Ulat ..ach hft5 re.-d, I.mdell:\ot:lnds ~md h~g reculYiC'd a copy Of ttll'.l:
c\ddendum, '
Ovte li.f:'P..~~~~_~,.o,-,O"-'''-~~ _
Seilo( ~ ~'?~~
JO,,~z:d~
Sel\er ~--_._~------- -
213 / 745
Court File: "Volume IV Continued"
1f
Samaan v Zernik (SC087400) Los Angeles Superior Court
(1 C t. ?~) (1', (.J 5: 1 (l P F' • 15
p.'1
:Jrr\J'
"/.r..>,,,, ..~ ()ol;\( '.J l.>."jll):l',VS\ A.f)nt1 'ONAL OtS<:l.O~)rJRE. RJ\.h'OR'I'S1.t",l$RMrf'S. ,,.,." .u... ..... c ..Jl:''':"r.... u>''l!'''r,.{'<'I'U I'lIf'l l .... I"lh,.":....... 1 .... ,. •. ~(~:t .....:~ ...... -,~.'n t.nw
' ....r , ,;..,.,,, .\, ,,,,, \y,' M'"lrl~l\('" ,\1 ~" · ..... l ... l'lCd .:.. •.••• ;'.',,\,~-: (y L 1 ), , ''1i\ '1"h~ "'-'11'(,' ; .... 1'"""' ............ "'"t"'</:II'rt '1.11 1'0.:- porfrlldN:f ntJ.r., ch'l" r~.,.~,,::M .,h~r ~ ..(,.-
..,.,.. , .......' •.,<'" ~ 'UIo4 ... ,,-t ..... 1.''= , -:<'l' ;~ •• ~ J(,.....,.. .. ,-..... "9 t "" .... ;...,-k ~j:-e. \~f"'.I"" ." q ..~. ,,,, . . ....-.0"'' dj.~<, •• "I('l.- ~ ~ .. W; ~..o~~..J,.; u/cJ ... -W('"r&t l
4j·pal ro-;·· (,,11' r~'.:.b(.~.I ... ....-" ... n4 n ~kM ...' rJ.~"' ..... ..nl.tO .(ttt".'P.46"!t ttfU'Cl\\. b'v' ~l .......... ~","'" rr:I'l'"Lt~ O~IV"''''''''''''' _:d. ~ _ 0 -
_1J('h'r~, 1\' p.'" ci'l).yr(r:t llIcrf.--'(''''''''''' :..,~d ;h .... N',i(':'t'lri-q.~ ~,. """YiVxJ« .. 44.~.' to. U:pr,.tf<, :H {I~» "A~.. !n{h..."~ b~r: nO,; h..~~
"'. "912",.. r r,""""" ..• ).......-...,. J'n nt"l. ':"'l..•• )....... ,l""l, .. ~ ~f'.l r.... ~ "'l'".,......
1\. 1\ tht 'I' ....... 'J\r -'. '"",-pI ,.. 1 '.l~, ...., ~ 11 • )..,,. r""t'rr ..'". l;rr I... lln,;h _, ,.., rr".r 'h q',1 'I '•.....:. I,...
~.;', ... , .,... " ~ ;\.H '''''\'''"\:''(l~ '.'" ~"""~' '\.<1' ' , .... ". n·. ~f'r-'''''F\'~.lrlrt' ,\\,'1" ..lt~"·l, .. '\I)~I· .,.~''''_' !'V\ .",11 l..."'V"I, t'nJ~r f~.':1 h(' rr"\\,.".. rt...·...!. 7,1 U"'"' {)'.fn"l).....;1)1":' ,\,~
,1""<0 (,C '-( ..., 1'\(,., -'r" P'<'Ii'("'':'' "I' «, \·Ir·. r.. ,"-1 J.T'\tt ""\~'r .JlV",.fJih:(,\( !~"'" ( V 'I"{"oo tfrl",.,l""" r~~ l..uhU'" -J,trl~""",,~. n'lY"" '''ll~ I •• I,/l.: .he Ml'f"T'lho!""l" ot
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214 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
,2-
PROOF OF SERVICE
24
25
26
27
28
215 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
I DU I ::l::lOU;:l II II UIII. UU;'I;;~11 /,.1;;11111\
10: santa monica coeUlouse Tax me l"'ageL 01 L Luur·U(·L~ LS1UO (uM I)
( (-- '")1
I
o,g,tdlly signed by
Jc~('ph Zcrr'llk
DN' cn=Jo<;,t>ph
~ /J Zcrrik.
) . ~L
RECEIVED emaoll=p123 Sl?ec
t~IIt-l:.n.\, (
Date L007.L
IJ)
14
. blJ1:1:;, ....... )1 'U'
JUl 25 2007
SUPERIOR COURT
Joseph Zernik WEST DISTRiCT
in Pro Per SANTA MONICA
2 320 S_ Peck Avenue
Beverly Hills, California 90212
3
Tel: (310)435-9107
4 Fax (801)998-0917
5
6
7
8 SUPERIOR COURT OF THE STATE OF CALIFORNIA
9 FOR THE COUNTY OF LOS ANGELES
10 NIVTE SAl\fAAN, an individual, ) Case No. SC087400
) As's;gnt:dfor £111 pu.rposes 10 the Honorahfe
11 Plaintiff, ) Jacqueline A. () '('omwr
12 )
v
) NOTICE OF ZERNIK'S PROPOSED
13 JOSEPH ZERNIK, an individual, and DOES 1 ) POTENTl-\L DISCOVERY REFEREES }'OR
through 20. inclusive, ) DEPOSITION
14 )
Defendants. )
15
~--------------)
24 Please also take notice that Zernik is proposing the following ADR Judges as
25 potential referees:
27
28 Joseph Zernik
216 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
ro: santa monica coethouse fax file Page 1 of 2 2007-07-2423:21:30 (GMT) 18019980917 FronT Joseph lernlK
COVER MESSAGE
W'NW.efax.com
217 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
KEVIN QUOCK LRW OFFICE Fax:13103488153 Jul 24 2007 18:21 P.Ol
LAW OFFICES
QUaCK & ONOUYE, LLP Su/~e5CXJ
310348-8162 TEL
319348-8163 fA:<
KJQ:cw
enclosures as mentioned
218 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
I F)
I t I /..
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:" ~al1ford ::-;hatz IC\ ~Lltc Bar '\Jo. 1T220')
Todd\. Boock lC\ ~rare Bar :\0. lrl 193J)
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.=i22() Ll:; \'irgcnc:; Road, \1::-;: .\C-11
(:~dab:\~a~, (::difornia (1)( 1.2
Telephone: rI 1H-H-I-()I)()2
o Flc~imilc: HI ii-H-I--1-()()()
8
.\ttorncys for C( )untl':wide Home I.oans, Inc.
9
10
SUPERIOR COURT OF THE STATE OF CALIFORNIA
11
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co FOR THE COUNTY OF LOS ANGELES, WEST DISTRICT
C'l
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a: a: <: \ s. ~OTICE OJ; RllLl \Ie; DF\J'd:\(;
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18 Defendants. DOCU2\ff':~TS j;R( )\1 COL' \JTRY\V] 1)1':
H():'\rr<~ LO.\:\S, 1\1e., .\;'\iD TO (;1':'1'
19 S.\\JCTIO\JS
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28
., PLl':.\SF T\kE 0:0TICE TH.\T onJuly 2-+, 2()(Ji, DefendantJo~eph ~ernik applied
3 ['.,'pelrl,' for an Order to Shc)\\' Cause to depose Sandor Samuels, Countr\widc Home Loans,
-+ Inc. 's ("Countrywide") Chief J,egal Officer, to compel documents from Country\\'ide, and to
5 get ~:lnetions, ,Iohn \\', \mberg and Jenna \ [olda\\'sh of Bryan Can LLP appean:d on behalf
11
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C'l BRY\N C\VI·: LLP
~
12 Dated: .luly 2-+, 2()()7
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John \'<', .\mberg, J':sq.
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SMOIDOCS6~5S3'i .1 2
220 / 745 :\OTlCE OF RCUl'.'G DE\YI\G DEFE\DA\TS EX PARTE
Court File: "Volume IV Continued" APPUC\TlO!\i
Samaan v Zernik (SC087400) Los Angeles Superior Court
PROOF OF SERVICE
2 I am employed in the County of Los Angeles. State of California. I am over the age of 18
and not a pat1y to the v"ithin action. My business address is 120 Broadway. Suite 300. Santa
,
."' Monica. California 90401-2305 .
22 [ declare under penalty of perjury under the lay\s of the United States of America and the
State of Calit()rnia that the foregoing is true and correct.
7"'
--'
24 " .. '
'j {)/~/( /01. /( It ( L(
25 Pamela Davis
26
27
28
S'vIOIDOCS 645835.1 3
221 / 745 \OTlCE OF RLLI:--.IG DDiYI\G DEFE\iDA\iT'S EX PARTE
Court File: "Volume IV Continued" APPLICATlON
Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COURT OF CALIFORNIA, COUNTY OF LOS ANGELES
MINUTES ENTERED
Page 1 of 2 DEPT. WEI 07/24/07
COUNTY CLERK
222 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Jo:.;tph ltrnik
j In /)/'O 11..'1
-' 20 S Pt:~k \ \ 1.:'11111'
Be\ erh Itills. Cali1clItlia ')0212
3
SlPERIOR COl RT OF THE ST.\TE OF C\LIFOR:\I.\
C)
FOR THE COL~TY OF LOS Ai'GELES
10
II
I~
12
'\\\\E S.\\L\.\~. ;m indi\.iduaL ) Case '-;0 SCO~7'tI)O
I -)' ) Js\iglh'dfo}" nil Fl!II'ilSi'S (() Ihl' HIJi/fJ!"uh!l'
Plaintitf ) .!ac(!lIclllll':1. ( ) '( '(JIlIlO!'
I~
)
IS ) EX PtRTE ,lPPI./C1 [fUV FOR.1
JO"';EPH IFR"-:IK, 'In (ndi'viduaL and DOES t ) \OTleE OF \lOTlO\ '\'il) '10 nON TO
!tJ
thwugh 2u. il1dusi\~. ) .\1.\I':E LEAVE TO '\,\IE'iD.
17 ) .\LTER"AriVELY - FOR SHORTE:\EI)
Ddt~ndants ) 'lOTICE PRIOR TO\l"GtST 9.2007;
I~ ) .\LTER',\TlYELY - 0\ .\tGlS r 9.1007.
19 JOSEPH LER"iIK. an inJividual, ) PRIOR TO JlE.\Rt:\G OF .\IOTIO~ FOR
) StJ.\L\L\RY -ll"DG\lE\T.
20 Cross-Complainant, )
) D,\1'£: rrr.SD.\Y,.JlLY .2.~. 2007
21
) 1'1,\1£: nS:JO.\\1
COLD\\ El.L BX\KFR RESIDE'\TL\L ) DEPT. I
13!\OKFR:\GF. \IlCII.-\EL UBO\V :m ) TR1.\ L DATE: SEPT ':. 2007
i IJdi" idt~lL
)
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)
)
)
28
.\CTIO'\.. PLL\SE TAKE '\iOTICE that on July 2-L 2007. at 8:30 lUll in Dcpartn1Cl1t I of
the abo\e-entitkd (QUIt. located at 1725 \lain Street. Santa \lonica. California. Ddl:ndant
ZER'\~K. \,,\ll mme thls comt for a LEAVE TO A\\E'\-D .\',SWFRS ,·\'\D CROSS
5 C"()\ t PI .. \1 ',"I"S.
s
<)
10 By Joseph Zernik
\I Defendant
12
L~
II
" -
":..1 10 c\ enh and ducumcllt::i,ince the tnne uf the trans;Kli,)/l in 20tH
.2() l) Udendant \\(1'; further handicapped by the unusual discrepancy imposl.:d bu\\cen
n
28
224 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
of 5uch di SCO\ cry. there were ceI1ain issued that appeared \ery recently. that made it
absolutely necessary to amend answas and cross complaints. \ot a110\\ ing such amends
.,
. \\ould suppress justice in this case .
5} D~fendant flied that motion in a timdy fashion. and it \\as prop~rly scheduled. \lnre
.5 reccntly . Defendant received a notice of order that mO\cd the hearing nf this critical
motion uHtil after lhe \-lotion for Summary .Judgment by Plaintiff. This may result in
7 suppression of justice in this case.
s
I make Ihis ueclaration under penalty of peljury accordill!l. to the la\\ s of the ~Iale of
LV} ~
12 --.-~ -..-.f/_-&..
13 JOSEPH ZERNIK
1.5
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9 In reccnt weeks. {he Couli allov~ed again hearing of motions related to disc~)\ery. i.e.
10 CtHll1tTy\\ide's ex parte. and then so called "noticed" motion, Defendant has been in
1\ Idisadvantage in disco\cry in this litigation from day one. ';;ince most (:'vent~ related to this
12 Il!igati~)Jl \\ae unkno\\tl to him. All other parties were privy to C\ctlts and d~)(uments since
13 the time of lhe transaction in 200"+'
14 Defendant \\ as further handicapped by the unusual discn:pan-.:y imposed bct\veen Discl)\ cry
15 Cut Ofrr Date and Trial Date. Regardless. Defendant managed to a:)-.:d~ltain many t~lcts that
/6 were never kno\\n to him before. However, given the sequcntial nature of such discmclY.
17 there \vcre certain issued that appeared very recently, that require some additional discovcly.
l8 Defendant requests that the court level the playing tield. and allow Defendant a small
Defendant
26
7.7
28
5 to be true and correct and. if called as a \\ itness. I cnuld and \\ould competLl111y testify
fJ wirh re"pect thereto.
7 :2) This ~kdaration is submitted in connection \vith my ['( Pan.: .\pplication fiJI' an ORDER
8 I TO SHOW C.\LSE .\G\I:\ST COC1'.TRYW1DE.
J :2 t) !n \fotion to Expunge Lis Pendens in November .2U06. Plaintiff introduced in her Sur
13 Reply brief new e:'\hibits. One of the central exhibits was an unsigned. jm aliJ
14 Ctllll1tr~ \\ iJe L'lldenvriting Decision;Condition Letter (Exhibit I). I'his kucr \\as
15 issued as a statlls repOIt by Countrywide's l;ndenHiting Cl)Illputer system on October .26.
16 2004. at IOA-t51.as shown in the date~time stamp in the middle-bottom of page I and
17 page 2. . This letter was t:1xed to the BonGwer (Samaan) or her Broker (Parks) on
18 October 26. 200..\.. at IO:54am.
19 5) \ Ir Keshavarzi and \Jr Parks mislead the COUIt to believe that the document is of October
20 It ,]004. and that it infomlcd them that Samaan' sloan appro\ al \\ as delayed or even
21 suspended because some missing signature or initials of lemik on a Purchase .\greement
or Initial ()n~.:r.
"
'23 6) Plail1(J ff lhrough her attorney of R..:cord. in ihe Sur Reply 13nef _ P 7. :1110 ~ )ppo')itioll,
25 7) '"The following ''teck, on Friday, October 15, 200-l, Parks learned that the lender
26 was suspending a decision on the loan bec:.lUse defendant hau not yd pnn"ided
"~7 Parks ·.~ilh ,I signed Purchase\greement (Parks Oed PI I. Edt 2 n"
.28
I~) Such statements \\ ere repeated so many times in so many \ ariations. that the court by
., no ..\ believe that th~.Te is an element df truth in it.
I
:-; '9) Zemik tinds it incredibly time consuming and ditticult to contradict ncr) ddail of these
.\. fraudul~nt claims.
5 IO)Thercforc, the most dfecti\e way to handle it is to eradicate it from its root· this
(1 bbrication is all based on the misrepresentation of this single document as coming to
7 Parks atkntion all or about October 15, 200,f. This letter is an Lndemriting Status Jettee
S and a status letter of October 26, 2004, could not possibly come to Parks attention on or
9 about OctolJer 15" 2004.
10 II 1):\ lorcO\er. it is difficult to belie\c that this was naive error. The date of October 14.
II 2004, indeed appears inside the letter. as part of the k'\.t but the h:tter itself was issued
12 only on October 26,2004. That date. of course. \\as of no usc to Plallltiff sInce escrow
e\l..'n negate yd the fal~e infonnation, perpetrated through \ k Laurin and a Cnl1lJtI)'\\iJe' s
document.
\8)l hold and believe that allowing this fraudulent fabrication to ',~tand may be critically
5 harmful to Zelllik's case.
19) I hold ;md bdieve that this issue can be resolved by a verifil'd statement by \Ir SamuL'ls,
7 or another appropriate official designated by him could have resohed the issue \\ith a
S \ erified statement.
20) CO\IPEL PRODCCTIO;\:
10 21) Samaan under the guidance of Keshavarzi, skillfully shifted the focus of Samaan "
II Zcmik to the undcn\rltlng process of Samaan Loan )\pplicat;ons. The case initially was
about Samaan's bilure to perfonn on a real estate contract. But the Llcts and the law
there nas simple and clear. and Samaan had not case at (Ill based ('11 such.
22) Z;:rnik had no idea regarding events related to Samaan's loan apprO\aL and Salllaan had
a staunch ally in Countrywide San Rafael -. \lcLaurin .. Therdore. shifting the case to
16 issu('s of underwriting Sarnaan's loan applications \\ere vcry useful.
17 23 ).\s it turned out, it was even better than that. It turned out that eountn \\ ide \\as almost
13 a captive in the hands of Sarnaan in this case. Samaan's loan file included blatant and
19 egregious violations of the law regarding banking regulations.
20 24 )Starting with the subpoena produced to me in A.lIgust .2006. COllntry" ide' s Legal
21 DepaI1ment tried to dean up the file. But such dean up never \\orked all the \\a1'. lhe
11
production \\as blatantly deceptive. For example: the qumtessential t..!oclIm<:nt (11 <;uch a
~,
" , Ilk is the l'niform Loan Application (lOfH). But the COpy on tile \\3S clearly
2+ 1dulterated v,ith t-.\O "Date Received" ',tamps (Exhihit 3).
25,lt is impt)..;;:.;ible that such banking documents be preSUlted in SHeil ',tate \\ ith no logical
c\planation dlld no internal or external rcpolt.
~61\ild
)'7
... - ! stilL dunng diSCO\l.?ry and \ket and Confer attorney 8('i.'cl-; and. \tt :':i!JaLr. )Imply
.?S lied and claimed ihat Zernik \\as asking fi)r doclIments [hat did
'-' - nut nj.,t
- . ~ -
l Pr\nr to that. the standard response to my request for internal iB\e~ti~atlons or inkmal
5 audit reports. as required in such situation. was that [ \\ as "asking for documents that
6 did not exist".
7 18)Simibrly. I \\as l)fJly \el) rC(l~ntly informed about the imestigmilm by the Office of
8 Thrift Supervision. rhat report should be produced as wcll.
9 29)£vcr since December 2006. I protested that incorporatil)Jl of blank "Conversation Logs,
10 San Rafael" in the Subpoena. According to LndenHitcr Diane Frazier. :mch forms had
II never been Hsed in San Rafael since 1989. the year that she joined C\:Hli1tTy \\ide. Inst~ad.
12 I repeatedly requested copies of electronic notes. but \-\ as denied sllch. \\ ith the cLtillls
13 that they did not exist. \Iaria \IcLaurin. in a phone call in Dec,.'mber :::006. explained to
II
14 I me that she dnd the Legal Depaltment ddennined that such ".. ere lwt CI)\ ned b)
15 I subpoenas for documents. That view of course is absurd. c'\..I1 email notes ti'om
!6 September I. 2004 to the present should be produced. that include the \\ ord Samaan or
17 lemik in any field. \\ith a declaration of an authorized pcrson \\ ho describes that quict)
18 method utilized.
19 30 )SET S:\:\CTIO:\S: I ask for sanctions for the failure to comply \\- ilh subpoenas for
20 docurnents (5 ill total) and the submission of this motion at 5:2 1-1-0.
21 :11) I ..en·ed notice of this subpoena to Au .\1oldawski and .lohn .\merb Oil .July .23. 200...
J)
prior to lO:OOam. I then called and tried to find W'dys to :nnid this hearing. Thev
.2J .
.l!sO indicated that thev would attend today.
.
~-l I 1lI,lke lhh declaration under penalt).tr perjury acclJrdlllg to the !il\\-~ d' the ~,f~ltl' of
25 C:lhfilmia. Sign here ill Beverly Hills OJ} IheT~l of July, .2007.
.~() "
.,.., -~
_~ J
-f- --'- ._-/.~
.:.'8 .J'OSf-',h.../.Z
, .t'r-l L L L" lf)
\.\ .fL'
1'\.
"\ !
" '
8
9
10
II
I~
I .')
It
15
16
17
13
19
20
~I
,23
~7
I write to follow up on the notice that at 8:30 a.m. on Tuesday. July 24. 2007. J will appear E", Parte in
Department I of the West District of the Los Angeles County Superior Court located 21t 1725 Main Street.
Santa Monica, Califomia 90401 for:
I was hoping to meet you in court this morning to try to resolve this issue through a jOint
stipulation. in the hope that we avoid burdening the court with another appearance. Until today, I
assumed that the court would not allow any motions on discovery at this time. The ruling today
in fact allowed motions on discovery to proceed Therefore, the following issues could be
resolved:
a) THE DEPOSITION OF MR SAMUELS -- can be resolved with one sentence verified
statement:
The unsigned 1st Lien Underwriting Letter (there is only one such Underwriting Letter in
this case) was issued on October 26, 2004, as indicated in the date-time stamp in the
body of the Letter, and it was faxed out to the applicant and/or her Loan Broker on
October 26, 2004, as well, as indicated in the fax date-time stamp in the fax header
imprint, but some of the data in the body of the letter was entered manually into the
system by Diane Frazier, Underwriter, on October 14, 2004.
I truly believe that Mr Samuels owes it to himself as the President of Bet Tzedek' it is a worthy
institution, and I would not like its name associated with any controversy.
b) COMPEL PRODUCTION:
i) Only af!er I sent the em all to Mr Sam uels With a copy to a couple of R 3ubis and a Retl(ed
Judge. for the first time Countrywide adm itted that they had conducted an internal investigation
and concluded that Zernik's allegations were "without me rit." Prior to troar the standard
response to my reqL.;cst for Internal investigations or internal audit reports as reqL.;I«,?d In such
situation, was that! was "asking for documents that did not exist".
ii) Similarly. I was only very recently informed about the investigation by the Cff;ce of Thrift
Supervision That report should be produced as well.
iii) Ever Since December 2006. / protested that incorporation of blank "Conversaticn Legs, San
234 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Amberg, John Won jennaomoldawski@bryancaveocom, 01 :06 PM 7/23/2007, Fwd: Samaan Vo Zemik
0
Rafael" in the Subpoena. According to Undervvriter DIane Frazier, such forms had never been
lIsed in San Rafael since 1989, the year that she joined CountrY\Nide. Instead. I repeatedly
requested copies of electronic notes, but was denied such, With the claim s that they did not
exist Mafia McLaurin, in a phone callm December 2006, explained to me that she and the Legal
Department determined that such were not covered by subpoenas for documents. That view of
course lS absurd. All email notes from September 1, 2004 to the present should be produced,
that include the word Samaan or Zernlk in any field, with a declaration of an authorized person
who describes that quiery method utilized,
c) SET SANCTIONS
In the context of a motion, I would ask for sanctions for the failure to comply with subpoenas for
documents (I) In total) If we resolve this with a joint stipulation, I would leave It out altogether.
Please let me know if there is a way we could avoid another court appearance, My cell is
310435-9107
Joseph Zernik
----------------_._-,_._---------
Printed for josepl1zernik <jz12345@earthlink.r1et> 2
235 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
EXHIBIT .2
8
9
10
\\
12
I~
15
16
17
18
I')
2l
_.--
r'--' ""'unt
1,314,400. DO
....pra.wd \I"~.
0.00
s...l'_
1.1lR,OOO.CO
lTVICLlV
80.00 f 90.00
1~IlylIlQRalI SIatt_ Ro_F>1o Dille Pis
,10. SOJ 5.5CO 0,000 0.000
II.....
2.461
Ioolwgirl
Z.250
T..",
3~O
IPrepal"'*'t F>.~7
No, NO. of ~oa, 0
Thi.s ~o"n has !l.tm SUSPENDED "tlt.i.l. t;h. ~ollow1t\'l' inEormation is provided. 14.. ",,,,,t. receive
this ~nform~tion by 10/25/2004, t f ~e do not receive it by that date, ~e mU5t c103. t~e file
for lncompletQnQ~3. ~n we r.ceive th~ in£o~et~on, we will review che f~le !or further
detertninac ion.
exc~ption p~oqx ..
1IIIIIIIOIIUII
'O'17373T~000002!2111'
237 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~IIJU()C~ 26 20C~ ~ C::C'$~, ~: :~3/~JO, 533457D666 P
w. ~~l~ be ~ble ~e fund your :~n ~he~ t~ follo~in~ ;Qnd~t1on~ 4r* ~et (~he •• ~~~ms will A!to appear
un yo~r closln9 In.~ruc~io~a):
Thank ~u f~r .uDmt~tinq your leAn t~ Co~n~d.r Am.r1~aI5 "hol••• l. L.n4cxl M~ s1nc4I~ly &ppreci.t.
YOUr: br.z,;i.oe:s"
Branch MClndQ":'
Dote
238 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
EXHIBIT 3
8
9
10
\I
12
15
16
17
13
19
~o
:21
22
)"'
.c.• l
17
=
~ 1M !lIS at her ~ _1Ill CllIISIl!an!d _ _ tIW !laIrOftl' I'MldlIIIn a ~ JllUPII1Y slide. !he 5ea.Iltlr JIlVIll'ft1Is i=Ilrd In II mtTIl'llO'llIy
i'lDPelll' 5181, arlllllllllmM<!r Is ~ t10 "'*1lIllP!'\' b:lIIad In. ~ ~ ~. a biIlils lolrlepl!l'lllllll<tf1llll1:Jilrl.
I DOlIlw(lIll1l'_ AQe:lcycase~um!nf
.~semao
~ No. ClI C'Mr (EqlIaIn):
s 1,374,400 Yo 360/360 Type: DGPM AAtolltnJel:! Yr I/O
c= '
A.:._
~"b1eCt !'roperl'f "'~ dlV. <toe. ZJPl
U. i'ROPEfUY INFORJ4A,l1Oft·AftI) PUIWOSE OI"1.OAJ(
Yra. SdlOOl
_ _Na.V"-
i,,:>~liaa'TlIiell';poal9~ "1»,,,,= P~"". (Ind. err" r=la) 1i'<;=TiJ"TJP~III B<J&lMU ----Ioiii,;;.:si.:~cl. .roa =.el
_?reliident I 323-655~S654 . _
I{ ""pJ4J'f!!! In C'l-n pMit!on ftU Ius thea IMI .",1In tK II ~--:---:d;"'''-m:pI<>y<ld--;-1tI11""" lJrUJ """ po.oJl14n, <:ampfoll! dJ<: f"~c..w- g;
·'.rna S.Md."eJac1 :.;mptn)'8C ~Seltern.~l;ues \~<>t lNa.one &i\.d~ cJZltp'O)'llr OCClll~J;(l)i.;:;~r'!ei ::r;;m.'Oj----
.
I $
i~(;"J;:;i·T;;-;;n;--·-
B1..i;I.""':!~ - - - - . '3 J~.ho~ ";~{!.~d. 1YT:a ~j.]> 11~"'iT~ett}'t:;-Ofr.U,~-;;-----t~~~:;7;Z';;~1Z)
! f '
----~ I
240 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
PROPOSED ORllER:
3 I} rhe COUll orders lemik to immediately notice depl.)sition of \Ir Samuels in coordination
wlth Art for Countrywide. no later than ;\ugust 6. 2007
10
\\
12
13
J·t
15
16
17
18
19
10
?I
2-l
25
26
7
8
10
II
12
13
l-l
15
16
17
13
19
))
)i
..:. I
8
SUPERIOR COURT OF THE STATE OF CALIFORNIA
9
FOR THE COUNTY OF LOS ANGELES - WEST DISTRICT
10
11
NIVIE SAMAAN, an individual; Case No. SC 087400
12
Plaintiff, Honorable Jacqueline A. Connor
13
v. PLAINTIFF'S E)( PARTE
14 APPLICATION FOR AN ORDER
JOSEPH ZERNIK, an individual and APPOINTING A DISCOVERY
15 DOES 1 through 10, inclusive, REFEREE DURING THE
DEPOSITION OF DEFENDANT
16 Defendants. JOSEPH ZERNIK; OR IN THE
ALTERNATIVE, FOR AN ORDER
17 SHORTENING TIME ON
PLAINTIFF'S MOTION; ,
18 DECLARATION OF MOE
KESHAVARZIj
19
20 \ '
21 : '.,
22 \
23
24
25
26
27
28
-1_- _
243 / 745 \\02,WE'S f1 \l\IKl ':003~srql PLAI:-.'TIFF'S EX PARTE APPLICATION TOP
Court File: "Volume IV Continued" APPOI:\T DISCOVER Y REFEREE
Samaan v Zernik (SC087400) Los Angeles Superior Court
EX PARTE APPLICATION
2 Pursuant to Rule 379 of the California Rules of Court, plaintiff Nivie
3 Samaan (hereinafter "plaintiff' or "Samaan") hereby applies Ex Parte for an order
4 appointing a discovery referee to preside over defendant Joseph Zernik's
5 ("defendant's") deposition.
6
17 The Court should grant Samaan the relief she seeks on ex parte basis
18 because Samaan's reply brief in support of her motion for summary judgment is due
19 on August 2. Samaan needs Zernik's testimony for her brief. By playing games and
20 providing evasive answers Zernik is preventing Samaan from obtaining crucial
21 evidence for her motion.
22
23
24
25
26
27
28
-2-
244 / 745 W02-WESTl\1\lKJ -t(J037R279 I
PLAI"\.iTIFF'S EX PARTE APPLICATION TOP
Court File: "Volume IV Continued"
APPOI\iT DISCOVERY REFEREE
Samaan v Zernik (SC087400) Los Angeles Superior Court
Pursuant to Rule 379 of the California Rules of Court, plaintiffs
2 counsel gave notice of this Ex Parte Application to defendant Joseph Zernik on
3 Sunday, July 22,2007, approximately 6: 13 p.m. (Keshavarzi Decl., ~ 3, Exh.\}).
By
OE KESHA VARZI
Attorneys for Plaintiff
NIVIE SMAAN
245 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
I.
2 MEl\10RANDUl\1 OF POINTS AND AUTHORITIES
3
6 and outrageous antics and because Zemik provided evasive answers. The last straw
7 came in the form of an insult when Zemik, instead of answering plaintiffs counsel's
8 question, responded "It's like is your sister is a prostitute? Did you ever say that
9 your sister was a prostitute?" (Keshavarzi Decl., Exh.A).
10
11 The Court should grant Samaan the relief she seeks on ex parte basis
12 because Samaan's reply brief in support of her motion for summary judgment is due
13 on August 2. Samaan needs Zemik's testimony for her brief. By playing games and
14 providing evasive answers Zemik is preventing Samaan from obtaining crucial
15 evidence for her motion.
16
28
-4-
246 / 745 IW02-WEST1\1\lKl ..003 7 82791
PLAf.\ITIFF'S EX PARTE APPLICATION TOP
Court File: "Volume IV Continued" APPOf.\T DISCOVERY REFEREE
Samaan v Zernik (SC087400) Los Angeles Superior Court
Here a discovery referee is necessary because Zemik is frustrating
2 legitimate discovery at his deposition by refusing to answer questions, repeatedly
3 making frivolous objections and giving evasive answers. Without a referee Zemik
4 will not provide substantive answers and will instead continue to subvert plaintiffs
5 ability to conduct discovery. The following are examples of Zemik's gamesmanship
6 and repeated refusals to answer questions during his deposition on July 20:
7
22 • In response to the question "did you ever tell Samaan that you
23 broker did not have any authority to enter into any agreements with her on your
24 behalf" Zemik responded: "It's like is your sister is a prostitute. Did you ever say
25 that your sister was a prostitute?" (Id.)
26
27
28
-5-
247 / 745 \\02-WEST I v1:vlKI 40037827') 1
Court File: "Volume IV Continued"
PLAINTIFF'S EX PiRTE APPLICATION TOP
APPOI~T DISCOVERY REFEREE
Samaan v Zernik (SC087400) Los Angeles Superior Court
• He refused to answer questions about a declaration he filed with
2 the Court in November 2006, on the ground that he was not shown the original, even
3 though he H'GS the one who filed the document with the Court. (Id.)
4
7 not sign page 8 of 8 until October 2004 were accurate, he objected that the Purchase
27
28
-6-
248 / 745 W02-WEST 1:Vl:V1KI -100378279 I PLAINTIFF'S EX PARTE APPLICA nON TOP
Court File: "Volume IV Continued" APPOI~T DISCOVERY REFEREE
Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COURT OF CALIFORNIA, COUNTY OF LOS ANGELES
:\,ATVRE OF PROCEEDI:\!GS:
is DENIED.
MINUTES ENTERED
Page 2 of 2 DEPT. WEI 07/24/07
COUNTY CLERK
249 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
1 DECLARATION OF MOE KESHAVARZI
2
3 I, MOE KESHAVARZI, declare and state as follm\'s:
4
8 this declaration, except where stated on information and belief, and, if called upon to
9 testify to these facts, I could and would competently do
10
27
28
page 1
251 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
072007. txt
11
12
13
14
15
16 Deposition of JOSEPH ZE~IK, A vol, taken on
17 behalf of plaintiff, at 333 South Hope Street, 48th
18 Floor, Los Angeles, California, beginning at BegTime(E)
19 and ending at EndTime(E) on Friday, July 20, 2007, before
20 LYNN MARSHALL, Certified Shorthand Reporter No. 11002.
21
22
23
24
25
2
1 APPEARANCES:
2
3 For plaintiff:
4 SHEPPARD, MULLIN, RICHTER & HAMPTON LLP
BY: MOE KESHAVARZI, ESQ.
5 333 South Hope Street
48th Floor
6 Los Angeles, california 90071-1448
(213) 620-1780
7
8
For Defendants:
9
SCHORR LAW
10 BY: ZACHARY D.SCHORR, ESQ.
12100 wilshire Boulevard
11 Suite 800
Los Angeles, california 90025
12 (323) 658-8196
13
14
15 videographer:
16 COURTNEY BATES
17
18
19
20
21
22
Page 2
252 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
072007cc.txt
2 /SA /SPHAPB in Mr. /HRA did not have authority do
/STKPWER into any agreements with her on your behalf?
4 A. He never had authority to /STKPWER agreement on
Bley's did you ever tell miss /SA A man A manila that
6 Mr. Less than did not have any authority to enter into
7 agreements on your behalf.
8 A. No question it's implied that /SPHU show could
9 the deduct dead that I gave Mr. Le Beau person mix to
10 enter agreement on my behalf I never.
11 Q. r'm asking if you ever said that to Samaas?
A. It's like is your sister is prostitute? Did
1 u ever say that your sister as a rostitute?
Q. I'm adjourning the deposition. r'll see you
15 Monday morning for the ex parte.
16 THE VIDEDGRAPHER: This marks the end of disk
17 number one in the continuing deposition. The time is
18 11:25 a.m. and we're off the record.
19
20 (stipulation was entered into the record after
21 proceeding was commenced.)
22
23 MR. KESHAVARZI: I propose that the court
24 reporter be relieved of her obligation and duties
25 regarding the custody and control of the transcript.
44
II
253 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
072007.txt
4 the length of the table in any living room you'd have no
5 guess. So I ask you to give me estimates but no guesses.
6 Do you understand that?
7 A. Yes. But I there's /STPHR-G I want to do also
8 in response to be /TKHRAOER I Joe's 0 /STKE clarify the
9 following I'm not tan attorney. And my declaration is
10 based on my /UDZ ago a layperson of the matters at hand
11 and sir rounding circumstances. I read the transcript of
12 the deposition of /TPHAOEUBG bow taken by attorney mow
13 A man A manila cash and in it I noticed several instance
14 where in order /SRA made misrepresent /TAEUBGSs many of
15 what were A false A falls included in down documents of
16 and make /TPHAEUFPLD.
17 Q. A Doctor A Dr. zehm?
18 A. Stop.
19 A. Questions. such representations appear to be a
20 /TKREUB attempt to deceive /AFRBD /KOURTD defraud the
21 defendant Mr. /RO /WROE a very /SPHROEPBG rarely I'm not
22 and he had firsthand knowledge of the facts which I lack.
23 He therefore managed to correct many of Mr. That
24 A false A falls representations or /AOE void making your
25 /AOE reason conclusions /-FPT by now I'm sure that
8
page 6
254 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
072007. txt
16 deposition where I error a replied on any /TPABGD assert
17 in that question or previous representation /PwEU cash
18 should be taken as what it means at h~P?thetical reply
19 thfs declaratlon is to inform Mr. cash and court that
20 such answers were /PHRO*EUFD had ,by m~,~vaJid if an~
page 7
255 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
072007. txt
21 A. /AEPLGS or /TKEUTS A plain A plane -- usually.
22 MR. SCHORR: Just.
23 THE DEPONENT: I don't know it's video /TAEUG
24 to answer I can tell you on the other hand /TPRAEBGS was
25 chairman of the budget question I was on high appointment
16
256 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
072007. txt
6 ambiguous /AOS to the mean /OFG term complaint. I don't
7 know what no do I purport November to know perhaps
8 /TKPW-R 0 A knows A nose what complaint is as you usc
9 defines it break it down to real simple /PELS terms a
10 we can move /OFPLT.
11 THE DEPONENT: I do not know exactly what you
12 define Ace complaint because as a tell there's a range of
13 issues of /WREUPS students a sometimes students may not
14 be happy a grade or you get on a regular basis grade that
15 for your teaching but I don't know exactly what you
16 consider if you consider discipline I would consider
17 usually discipline /SKWAUBGS /STHRA there be verbal
18 finding that you A violent A violate something not sure
19 of that.
20 Q. BY MR. You quit your position at usc correct?
21 A. Yes, I did.
22 Q. You quit because there was some proceeding
23 commenced against you alleging that you had engaged ln
24 conduct that was considered to be serious violation of
25 the employee hand back at usc correct?
18
257 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
072007cc. txt
11 alteration of anything no what so me show fourth page
12 which is a different document.
13 Q. Can go to page 13 it's in bottom of say page 15
14 thin it's a ~ 3rd ~ third /PA*EU page back.
IS A. Yeah.
16 Q. Is that your signature?
17 A. Yes, it is.
18 Q. By again sixties in this case move had allover
19 the plates it look like any /SEUBLGT but if you show me
20 the original document I'll be able to tell you.
21 Q. This is I'll represent that you this is a
22 declaration that was filed in support of your first
23 information to exchange listen pin /STKEPBS in October
24 2006?
25 A. I'm suppose to.
2
page 2
258 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
072007cc. txt
23 A. Yes.
24 Q. IS everything stated in this declaration true
25 and accurate?
3
259 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
072007cc.txt
8 Q. Do you sitting here today do you believe the
9 appraisal contingent that deadline for removal of the
10 appraisal contingent was October 11-2 thousand 4 7
11 A.
12 ~R. SCHORR: object to that question on the
13 /TKPWROEGS that calls for a legal conclusion he's just
14 ordinary witness he doesn't necessarily know the legal
15 ramifications of the applicable time frames and therefo e
16 to the /KPEP.
17 THE DEPONENT: I may answer I try to answer.
18 To the best of my knowledge in this case one of things
19 this is which was now, I know but I do not which was
20 unusual was for example you have here a letter from
21 presumably from escrow officer daily /HURB witness
22 actually if A affect A effect it's not signed. And their
23 multiple letters like that differing in the dates of the
24 /HRA list indeed them their all unsigned and it looks
25 also from the records there was ongoing A ocean A on the
/ 5
1
2
3
4
/SAOPBD night first place. If I /E can show it
6 to the exam unsigned /TKAUFPLT.
7 MR. KESHAVARZI: Can you please site Mr. site
8 on the Monday 8 /THREURT.
9 THE COURT REPORTER: Yes.
10 MR. KESHAVARZI: Department I in Santa the
11 /PHOES of the /TKRAETS /STPHA /SKWRAOEUS basis or this
12 we're here today.
13 MR. KESHAVARZI: Notice.
14 ~R. SCHORR: Beer today in before we went to
15 the record I'd like to put this on the /RORT counsel for
16 plaintiff /TPH*EUF A know A no house at this time
17 gentleman conduct the deposition today, began the prior
18 to going on the record by statement giving Mr. 0 or
19 doctor 0 ex parte /TPHOEUFT that he was going.
Page 4
260 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
072007cc. txt
16 MR. KESHAVARZI: Let's back on the record try
17 one more time.
18 MR. SCHORR: we're never cough the record.
19 MR. SCHORR: Hold a second /KR-FRPT /KR-RP no.
20 MR. KESHAVARZI: My I thought we were let me
21 ask you this.
22 A. Repeat any answer you asked me.
23 MR. SCHORR: A Wait A weight for a question.
24 MR. SCHORR:
25 Q. BY MR. KESHAVARZI: Sit here today do you
9
Page 7
261 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Moe Keshavarzi
Mr Zernik,
Because the court reporter has not yet prepared the transcript of Friday's deposition, I am forced to move our ex parte to
Tuesday morning. We need the transcnpt to make sure the Court has before it an accurate and correct record of what
happened on Friday. Therefore, this is to provide you with notice that on Tuesday, July 24,2007, plaintiff will appear ex
parte at 830 am. in Department I of the West District of the Los Angeles County Superior Court located at 1725 Main
Street, Santa Monica, California 90401 to request that the Court appoint a discovery referee to be present dUring your
deposition and rule on your objections and control your conduct
262 / 745 1
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
ORIGINAL
BRYAN CAVE LLP
John \\'.\mberg (C\ State Bar '\0, WHl(l6)
1 lel11U \lolda\\'~h (C\ State Bar 1\(), 2-t(J1()<))
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SUPERIOR COURT OF THE STATE OF CALIFORNIA
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-2 ~~.. j) IRTE .\PPLIC\TIO~ FOR .\0.: ORDER
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18 Dc fendan t~, PRODUCTION 01, DOCC.\II':J'.JTS, ,\ND
FOR S,\NCTIONS
19
hie Date: October 25, 2()()5
20 Trial Date: September 7, 2()()!'
21
Date: July 2-t, 2()()7
Time: K:3() a,m,
Place: \\'EI
25
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- . '
26
27
28
3 Dct"endant Ju~eph !'ernik\ ("I.ernik") improper F:'.\.' Pdr!c: ,\pplicatiun and reLJueq~ that the
-+ .\pplicatiun be denied. The. \pplication repre~ents yet another ahu~i,e di~cmTrY tactic by
5 /.ernik in hi~ campaign de~igned to anl1()y and hara~~ Coumr:'wide and it~ top legal officer.
6 hmhermore, /.ernik e~~entiall\ asks the Court to re-open JiscoHr:' well after the di~cmTry
7 cutoff. Di~c()\cn' in thi~ matter clo~ed inJune. Indeed, thi~ Court pre\'iou~ly denied I.ernik's
8 motion to re-open and/ or continue di~co,el;;, and the Court of. \ppeal denied Zernik's \vrit
10 Now, howe\'er, Zernik asks the Court - no les~ via c:X pdr!e application on the eve of a
II pending ~ummar:' judgment motion against him, not to mention trial - to allow him to depo~e
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"
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18 of this case. SimilarlY, /.ernik has no e\'idence that Countrywide possesses any relennt
19 documents not alread\' produced. Thus, Countrywide respectfully reLjuests that the Court
/.erni k\ .\ pplica tion should be denied as umimeh and improper beca use di~cmcry IS
clo~ed, and there is no good cause for re-opening discovery, particularly against nun-party
26 Countrywide, at this late juncture. The discovery cut-off date \\'a~June U,2()()7, The Court
27 pre\'iously denied /.ernik's tTIuuon to extend the di~((),ery deadline, and the Court of. \ppeal
! I.emik nm',' relluests the Court to re-open discoHxy on the en of Pbintiffs summary
3 iud~mel1t motion <\11J trial to depose one of Countrywide's hlghest ranking officials and to
4 compel the production of documenrs. Howeyer, l.ernik has no justification for his untimely
5\pplication. I.ernik nenr e'Tn sought to depose \Ir. Samuels while Jisco','ery \\'as open,
6 nl ltwithstanJing the fact that "'11'. Samuels has no personal knowledge of the unJerlying facts
7 ()f this case. In addition, CountrywiJe already respondeJ to all four of /ernik's Jocument
8 subpoenas for business recorJs \vhile Jisconry \\'as open. \lthough I.ernik had ample
9 opportunity to do so, he I1tTer filed a motion to compel the documents he purportedly seeks.!
10 . \s rhe Court stared in its tentatin ruling granting Countrywide's ~I()tion for a Protecti\T
II Order on .I LIly 21, 2()()7, "if Count0'\vide has failed to comply with a discO\T0' obligation,
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l'10 13 Ruling on COLlnrrywiJe \ ~Iotion for a Protectin Order dated.l LIly 2,1, 2()()-). Clearly not
a. w Ol
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18 /'ernik's .\pplication should be denied because it is nothing more rhan an improper
19 and unfoundeJ motion for reconsideration regarding the Court's prior ruling denying Zernik's
20 reLjuest to extend the discon:ry cut-off dare. llnder California Code of (:i"il Procedure
21 Section 1()()H, when an order has been refuseJ by the Court, a parry has only ten da~'s after
)1 sen'ice of \\Tirren notice of the refusal to reLjuest rhat the Court reconsider its ruling. Cal.
24 \Lt\ 22,2()()-. I.ernik elccteJ not to file a motion for reconsideration of rhat ruling. Instead,
25 he ch:dlcnged the «()un's ruling by filing a \\Tit petition. f fm\'C\'er, the (:ourt ()f. \ppcal
26
i III l:lct. ill I:erlllk \ ()ppo~irtol1 to Countrywidc's f:.Y fl.1I'!( . \pplication for a Protccti\,c Order. dated Juk 6,
27 .:21111'./.crl11k h1l1bcll states that he "acknowledgcs that discoH'n cut-off date ha~ pa~~cd, and repeatedly stated
that his comtnullic:ltlOIlS with Countn'widc \\Tre :\0[' part of disc()\'('n'." \Opposltion, p. 4. bile 5),
:28
SMO lOOCS 645711.3 3
265 / 745 COL:\TRYWIDE'S OPPOSITIO.\' TO DEFDiDA.':T"S EX
Court File: "Volume IV Continued" PARTE APPLICATIO'"
Samaan v Zernik (SC087400) Los Angeles Superior Court
denied his petition.
') I.crnik now filc~ his "motion for rccomideration" two months ,lftcr the Court denied
3 hi~ motion to e'\tend discm·ery. Lnder Section lU()8, the\pplication i~ untimely 011 its face
4 and should not be considered. hmher, the statute proyides that any application must be
5 "based upon new or different facts, circumstances, or Lm·." Cal. Code Ci\'. Proc. § 1()()8(b).
6 I.ernik has not presented any 11e\\' facts, circumstances, or law to support his ,\pplication.
11 so-called "apex" depositions, "raise a tremendous potential for discO\Trv abuse and
to
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':'i 12 harassmenr." Liberty ~Iutual In~. Co. \', Sup. Ct., 10 Cal. ,\pp. -l-th 1~8~, 198'7-88 (199~). In
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14 superi(}r knowledge of disconrable information." 11 at 1289.
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17 compensation carrier. 11 at 1284. The deponent mmcd for a proteetin~ order because he
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18 had no inyolnment in the subject matter of the lawsuit. Id. The appellate court ncated the
19 trial court's denial of the protectiye order, holding that strict limitations must he placed on a
23 The head of a large national corporation will generally not ha\c knowledge
24 of a specific incident (Jr case handled scn~ral le\Tls dO\\n the corporate
27 Id. at 1~8-;-. The court also recognized that depositions of high-len I corporate officials han
I I':xccutin~ \Ianaging Directors, he reports only to the company's Chairman of the Board. \1r.
3 S~llnuels also is the company's Chief Legal Uftlcer, in charge of the compan:-'s legal
4 department. Countrywide has oyer 60,OUO employees and operations in ~111 SO states. Zernik
5 U!1not demonstrate that \11'. Samuels has any personal knowledge of the underlying facts of
6 this case, i.e., that he was personally innllnd in the company's processing of Plaintiff's loan
7 application, including an~' underwriting for the application. In fact, the processing of the loan
8 \\'(Hlld not haye been in the legal department, but in the underwriting department. rndeed,
9 \1r. Samuels does not e\en \vork in Country\vide's underwriting department, and the
10 processing of the applicnion would have been handled by employees many, many 1C\·els
20 Documents To Produce
21 Count0'\vide has already complied with all four of !'ernik's document subpoenas, and
22 has produced numerous documents to !'ernik. \'(,hen discm'Cry \vas still open, !'ernik never
mo\Cd to compel any documents from Countrywide. :'\iow that discm'c0' is closed, and with
24 the hearing on Plaintiff's summary judgment motion yuickly approaching, !'ernik belatedly
26 However, !'ernik f:tils to demonstrate with any credible e\,idence that Countr;."widc in
27 facr has any :tdditional releyant documents which should ha\'e been produced before in
28 response to Zernik's subpoenas. Countrywide has acted in good faith and has full~' complied
S\1OIDOCS64571l.3 5
I of Record~ declaration atte~ting to it~ productiun. The fact that Country\\"ide's documents do
.3 nor ~upport /ernik'~ skl'\\ed \·iew of the faet~ docs not mean that the company is \\"ithholding
4 d()cument~. Indeed, a~ the Court held in it~ tcntatin~ ruling on Countf\\\ide's \Iotion for a
5 PmtectiH ()rder, "any assertion that Countrywide is somehO\\" im"ohed in wrongdoing is not
6 supported b~' an~"thing other than hear~ay and conjecture." (Samaan Y. Zernik: Tentatiye
7 Ruling dated July 23, 2()W). Thus, the Court ~hould deny the ,\pplication.
10 reasons. !-Iowc\Tr, Zernik docs not and cannot justify sanctions against Country\vide - a~
19 I:ernik'~ ,\pplication.
20
23
25
Ih: ·'::/F·--~
Jehna \[olda\\'~ky .J
26 .\ttort1eys for Countrywiue 1lome Li')an~, Inc.
28
S:-'1O 1DOCS 645 7 11.3 6
268 / 745 COU\TRYWIDE'S OPPOSITIO:\ TO DEFE:'-iDA:\T'S EX
Court File: "Volume IV Continued" PARTE APPLICA nON
Samaan v Zernik (SC087400) Los Angeles Superior Court
PROOF OF SERVICE
1 I am employed in the County of Los Angeles. State of California. I am over the age of 18
and not a party to the within action. My business address is 120 Broadway. Suite 300. Santa
3 Monica. California 90401-2305.
I1
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N 12 Robert J. ~hulkin, btl'
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(Y) 0 13 Coldwell Banker Residential Brokerage Company
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18 It--------------------.-.l--------------------j
19
cg] By personally deliHring copies of the documents to the parry(ies) at the tIme of the
20 hearing on PlaintIff's J:.'\' j),1I1f,
22 I declare under penalty of perjury uncLer the laws of the United States of America and the
Stute 0 rea Ii t(lrn ia that the t()fego i ng i s tr(an:c~ ,;ecl.
I\ ( ' ---~.-
25 /
/--------~-
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26
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27
28
5:\10 I DOCS 645; II ..' 7
269 / 745
Court File: "Volume IV Continued" COC:';TRYWIDE'S OPPOSITlO\ TO DEFE~DA'-iT'S EX
Samaan v Zernik (SC087400) Los Angeles Superior Court PARTE APPLICATION
1 SHEPPARD MULLIN RICHTER & HAMPTON LLP
A Limited Liability Partnership
2 Including Professional Corporations
PHILLIP A. DAVIS, Cal. Bar No. 110430
3 MOE KESHAVARZI, Cal. Bar No. 223759
ROBERT MUSSIG, Cal. Bar No. 240369
ORl Gl~'
4 333 South HOl2e Street, 48th Floor
Los Angeles, California 90071-1448
5 Telephone: 213-620-1780 FILED
LOS ANGELES SUPERIOR COURT
FacsImile: 213-620-1398
6
JUL 2 J Z007
7 Attorneys for PlaintiffNivie Samaan JOHN A. CLfY')' CLERK
8 BY V1VIA~E;'
-"
\
DEPUTY
21
22
23
24
25
26
27
28
6 hearing date is moved plaintiff will not have enough time to prepare an opposition.
7
8 For all these reasons, plaintiff respectfully requests that the Court deny
9 defendant's ex parte application.
10
17
18
19
20
21
22
23
24
25
26
27
28
MINUTES ENTERED
Page 1 of 4 DEPT. WEI 07/23/07
COUNTY CLERK ~
272 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COURT OF CALIFORNIA, COUNTY OF LOS ANGELES
1).\IL 07/23/07
MINUTES ENTERED
Page 2 of 4 DEPT. WEI 07/23/07
COUNTY CLERK
273 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COURT OF CALIFORNIA, COUNTY OF LOS ANGELES
#13
B. VARGAS CA DerU1y Sheriff I J. HARRIS CSR#2097
8:30 am SC087400 Plaintltt
Counsel MOE KESHAVARZI (X)
NIVIE SAMAAN
VS Defendant
JOSEPH ZERNIK Counsel JENNA MOLDAWSKY (X)
MINUTES ENTERED
Page 3 of 4 DEPT. WEI 07/23/07
COUNTY CLERK
274 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COURT OF CALIFORNIA, COUNTY OF LOS ANGELES
NATURE OF PROCEEDINGS:
MINUTES ENTERED
Page 4 of 4 DEPT. WEI 07/23/07
COUNTY CLERK
275 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
SHEPPARD MULLIN RICHTER & HAMPTON LLP
A Limited Liability Partnership
2 Including Professional Corporations
PHILLIP A. DAVIS, Cal. Bar No. 110430
3 MOE KESHAVARZI, Cal. Bar No. 223759
333 South Hope Street, 48th Floor
4 Los Angeles, California 90071- 1448
Telephone: 213-620-1780
5 Facsimile: 213-620-1398
6
Attorneys for PlaintiffNivie Samaan
7
8
9 SUPERIOR COURT OF THE STATE OF CALIFORNIA
t3 v. NOTICE OF ORDER
276 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD:
2
PLEASE TAKE NOTICE THAT on July 12,2007, plaintiffs' Motion
3
to Compel deposition of defendant Joseph Zemik and Zemik's Motion to Disqualify,
4
came on for regular hearing. Moe Keshavarzi of Sheppard, Mullin, Richter &
5
Hampton LLP appeared for Plaintiff and Mr. Joseph Zemik appeared pro per. After
6
considering the parties' briefs, the Court ordered as follows:
7
8 Defendant Joseph Zemik's Motion to Disqualify is denied.
9
Defendant Joseph Zemik is ordered to appear for his deposition on July
10
20, 2007, at 9:00 a.m. at the offices of Sheppard, Mullin, Richter & Hampton, LLP
I1
located at 333 S. Hope Street, 43rd Floor, Los Angeles, Califomia 90071.
I2
13 Dated: July 18, 2007
MOE KESHAVARZI
17
Attorneys for Plaintiff
18 NIVIE SAMAAN
19
20
21
22
23
24
25
26
27
28
277 / 745
Court File: "Volume IV Continued"
\\·r.r~-\\TSJ·I \1\lK I -1r)(J1~n~ 19 I
"OT[lF OF ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
PROOF OF SERVICE
21
24
25
26
27
28
278 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
SHEPPARD MULLIN RICHTER & HAMPTON LLP
2 II
A Limited Liability Partnership
Including Professional Corporations LOS
FII-JED
ANGFU~S()l'pr:'<I()R COURT
MOE KESHA VARZI, Cal. Bar No. 223759 ,
3 11333 South Hope Street. 48th Floor
Los Angeles, California 90071-1448
1
,1 /1' 182007 0 \),
4 II Telephone: 213-620-1780 JOHN A", CLArJ'{2, CLERK
FaCSImile: 213-620-1398
5 1\ Attorneys for PlaintiffNivie Samaan
&Vri:M~ '~J"
BY BARBARA V4RGAs;:{)EPUTY
6
SUPERIOR COURT OF THE STATE OF CALIFORNIA
7
FOR THE COUNTY OF LOS ANGELES -- WEST DISTRICT
8
NIVIE SAMAAN, an individual; Case No. SC 087400
9 Honorable Jacqueline A. Connor
Plaintiff,
10 v. PLAINTIFF SUR-REPLY TO
ZERNIK'S MOTION TO EXPUNGE
11 JOSEPH ZERNIK, an individual and LIS PENDENS; SUPPLEMENTAL
DOES I through 10, inclusive, DECLARATION OF JAY R. STEIN.
12
Defendants. DATE: July 23, 2007
13 TIME: 8:30 a.m.
DEP'T: I
14
15
Defendant Joseph Zernik is outright lying to the Court. In his reply brief
16
in support of his Motion to Expunge Lis Pendens he tells that Court that plaintiffNivie
17
Samaan did not serve the Notice of Lis Pendens by certified mail return receipt requested.
18
This is false and Zernik knows it. Attached as Exhibit C to the Supplemental Declaration
19
of Jay Stein (submitted herewith) are return receipts of the Notice of Lis Pendens, two of
20
which are signed by Zernik himself. Plaintiff respectfully requests that the Court accept
21
this Sur-Reply brief and the accompanying declaration of her former counsel Jay R. Stein.
22
.--1 23/1 Dated: July 18, 2006 I
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2. Article Number
(TraMfer from SSlYice label)
7002 0860 0005 1035 b582
PS Form 3811, Augusl2001 Dome!ltlc Return Receipt 2ACPRI-o:l·Z-<l'lB!i
280 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
. SENDER: COMPLETE THIS SECTION COMPLETE THIS SECTION ON /J~LlVERY .
(t'¢~~a15
2. Article Namber
ITli3Ilsler from SGrvice labe!) 7002 D86D ODD5 1D3~ b438
PS Form 3811. August 2001 Domeetic ~.tum Receipt 2ACPRI.()J-Z·09B~
281 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
•
~. D~ ~L L'JtJ5
d- 3 J"( ~+W I5wtJ I
2, Article Number
(Tran~er from Ser'Vlee lebel) 7002 08bO ODDS 1D35 6575
PS Form 3811, August 2001 DomeBlic Return Receipt 2ACPR~!l$S
282 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~
UNITED STATES POSTAL SERVlCE First-Class Mall
Pmtage & Fees Paid
USPS
Pennit No. G-10
• Sender: PI8BS8 print your name, address, and ZIP+4 in this box •
283 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
UNITED STATES POSTAL SEFlVICE Flrst-ClUll-Mai
"
~~~~
'. (:
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'<- Zv ; l .- '.,
\. Sender. Pleas~~me, add'iiS ~
5A-r<'1.14i<'1'v I()~~
284 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
UN1TJ;O STATES ~!i.t>t~_ T~
049175
03 fiOV 20DS k '.
H;~rt/L;;n;;;;n~!tlll~:!L;lintt!j~~!~~!;1\: :i\;!i;i\t,!
285 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPPLEME~TAL DECLAR4..TlON OF JAY R. STEIN
2 L Jay R. Stein, declare as follows:
3
4 1. r am an attorney at law duly licensed to practice before the Courts of
5 II the State of California. I have personal knowledge of facts set forth in this declaration, and
6 II if called as a witness could and \vould testify competently thereto. I subm.it this
711 declaration in support ofNivie Samaan's Opposition to Joseph Zemik's Motion to Expunge
8 I Lis Pendens.
1211 Zernik by Certified Mail the Notice of Pendency of Action. I served the Notice of
13 II Pendency of Action on four different addresses I had for Zernik, including 320 S. Peck
1411 Drive, Beverly Hills, California 90212. I served the Notice of Pendency of Action by
1511 certified mail return receipt requested. I received receipts of delivery and acceptance of
16 the Notice of Pendency of Action confmning that Zemik had received the Notice.
17 Attached hereto as Exhibit C are true and correct copies of the receipts I received from
18 II Zemik. The fIrst page two pages of these documents are the return receipts signed by
0) ~
19 Zernik himself on October 27, and November)a';"2005, at two of the addresses to which
20 we mailed the Notice of Lis Pendens, confuming that Zemik did receive the Notice of Lis
21 Pendens.
22
23 I declare under penalty of perjury of the laws of the State of California that
24 II the foregoing is true and correct and that thjs~ection is executed on July 1'1,2007 in.
286 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
PROOF OF SERVICE
5 liOn July 18,2007, I served the following document(s) described as PLAINTIFF SUR-
REPL Y TO ZER~IK'S MOTION TO EXPUNGE LIS PENDENS~
6 II SLPPLEMENTAL DECLARATION OF JAY R. STEIN on the interested party(ies) in
this action by placing true copies thereof enclosed in sealed envelopes and/or packages
7 II addressed as follows:
1811 D BY ELECTRONIC ~IAIL: I caused to be prepared and sent an email to the party
listed below at the e-mail address shown on the service list.
19 ..
~ ST ATE: I declare under penalty of perjury under the laws of the State of
"
20 California that the foregoing is true and correct.
Laverna A. Henry
24 /
2S
26
27
28
287 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
BRYAN CAVE LLP
John \\.\mherg (C\ State Bar ~(). lilSloo)
J Keith D. I,lcin (C\ State B,lr :'\0. IH-1X.J.())
jcl1l1a \Iold;1\\sk\· Cc.\ State Bar :'\0. 24()1(l<))
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Todd \, Boock (C \ State Bar :'\0. 1S1<))))
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17 OPPOSITIO\! TO \lOTIO~ FOR ,\
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III IOSI·YH /.J·:R'\ilk, et al. PROTFC'1'IY f·: ()RDI·:R
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Defendants. File Date: October 25, 2005
19 Trial Date: September ~, 2007
20
Date: July 2J, 211117
21 Time: S:.)O a.m.
Place: \XFI
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26 I 1. [ntwduction
27 II Tns tead 0 f opposing Count~-\\'ide Homc Loans, Tnc. \; ("Count~'\\-idc") .\ lotion for a
-,., emplmces continue to be the targets of I.ernik's relentless harassment, and only ask the Court
5 respectfully requests th:lt the Court issue :1 protective order directing I:ernik to communicate
7 I r1. /ernik \ccuses Countrywide and Others of Regulatory \'io!ations, haud and
10 repeatedly accuses Countrywide and others of wrongdoing without prm'iding any real
11 C\'idence in support of his accusations, For example, the Opposition accuses "a loosely
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18 Department, h,nT been "most likely compromised," (Opposition, p. 5, line 11)) and that he is
19 unable to rerain counsel "for reasons that arc most likely. related to Countr\,\vide."
,
20 (Opposition, p..), line 1 CJ). I:ernik prm'ides no e"idence to support this accusation either.
21 Throughout the Opposition, I.ernik makes yague and incoherent accusations that
23 his arguments. /ernik's disj()inted ramblings arc rife with false statements and unjustified
24 beliefs. /ernik presents no C\'idence that Count0'\vide acted improperly in any \\'ay.
25 II 111. (:ountr)\vide's Rel]Uested Protecti';e Order Is Extremely Limited and Docs i\:ot
27 II CountrY\\'ide's :dotion seeks limited relief and only asks the Court to direct I.ernik to
28 II communicatL \\ith Countrn\'icle through its designated counsel. .\s a large curporation with
4 \\"hether counsel should be privy to those com'crsations and to determine whether those
5 U )1l\crsations should (ICCUr at all. To the extent that a person accuses Count0\\ide of fraud,
6 as /ernik is, he should not be permitted to pick and choose which of the thousands of
7 employees he \\ill harass that day, \vithout counsel\ ;l\\'areness, Countrywide is not in any
11 I.ernik utilizes the hulk of his ()pposition to assert his inaccurate and wholly
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13 action to defraud him, \\'hatever his "beliefs" about Country\vide, he ne\Tr justifies his
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18 prominent senior officers and their personal associates, This beha\"ior is clearly an attempt to
20 demands that se1\"e no purpose, as CountD'\vide has properly complied \\-ith all of I.ernik's
23 harass represenred (:mll1tnwide employees and officers as he pleases in order to get what he
24 \\-ants, /ernik's conduct is shocking and inexcusable, ;md the mere fact that he is not an
25 attornn does not gi\"e him the right to persist with this beh;n"ior,
27 II Per the Court's July 0, 2()()' order, !'ernik's Opposition was due to be filed and sen"cd
28 II (Jl1 Cmlnrnwide on July 12, 21)()7, !'ernik did not timely senoe Countrywide with a copy of his
290 / 745
S\10lDOCS\644673.1 3
COCNTRYWIDE'S REPLY TO DEFE'DA:\TS OPPOSITIOl\
Court File: "Volume IV Continued" TO \10TIO' FOR A PROTECTIVE ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
Oppo~ition. In fact, ~ernik did not pro,-ide Countrywide with ,1 copy of hi~ Oppo:'ition at all;
')
Countrywide obtained a cop" informally through Plaintiffs counseL hlrthcr, though the
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.1 Oppo~ition refer~ to exhibits or attachments, including an email sent to third parties about the
4 elSe (Opposition, p, .1, lines ~(1-:2 I), 11() documents or exhibits were eyer submittcd to
5 ( :ountt\'\'ide.
7 I .\t the July (l, .2()(I- hearing on Countrywide's Lx f>"rll! .\pplication for a Protectin
8 II ( )nkr, the Court reyuested that CLH.lntf}\\'ide seek relief by means of a noticed motion. The
9 I Court set no cLue for Countf},vidc to scrye its noticed motion. .\s noted in its proof of
10 I serYice, Countrrwide properly sen-ed its .\lotion on all parties by email and On:rnight
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291 / 745 COCNTRYWIDE'S REPLY TO DEFE:\DA!\T'S OPPOSITlO!\
Court File: "Volume IV Continued" TO \IOTION FOR A PROTECTIVE ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
\ 'I 1. (:< J11c!usion
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I'm the re~N)ns set forrh aboH, Country\viJe respectfully requests that the Court grant
3 II its \Iotion fur ~l Protecti\'e Order, and issue an order directing Joseph J:ernik to communicate
4 II solely \\ith Counmwide's designated counsel and no other Countf\\\-idc emplo:'ees or ofticers
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1 II I am employed in the County of Los Angeles. State of California. I am over the age of 18
and not a party to the \vithin action. My husiness address is ] 20 Broadway. Suite 300. Santa
3 II :vtonica. California 90401-2305.
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8 SUPERIOR COURT OF THE STATE OF CALIFORNIA
9 FOR THE COUNTY OF LOS ANGELES
10
II NIVIF SAMAAN, an individual. ) Case No, SC087~()()
3 1. Page 1, Paragraph 2, lines 9-27, Page 2, line 2. Irrele\ant. f\id. Code ~ 350.
4 II Samaan's E1mily history is not relevant to this specific performance action.
5 II Court's Ruling On Ohjection 1: Sustained: ()yerruled:
6
j
7 Page 2, Paragraph 3, lines 9-11. Lacks foundation. no personal knowledge.
g II Evid. Code ~~ 400-403.702. No foundation has been established for Samaan having
9 II personal kncmledge of whdher or not Michael Lihow of Coldwell Banker vvas Zemik's
10 II agent in the transaction.
12
15 II counteroffer.
16 II Court's Ruling On Objection 3: Sustained: -_.
Oveml1ed: - - - -
17
21 liThe hest evidence of the terms of Samaan's second counter offer to lemik is the
22 II counteroflCr itself.
23 Court's Ruling On Ohjection 4: Sustained: Overruled:
24
j-
-) 5. Page 2, Paragraph 5, lines 23-26. Impermissihle secondar: evidence. Fvid.
26 II Code ~ 1521. The hest evidence of the terms of Samaan's memo to Lihow is the memo
27 II itself.
9 II cstablished for Samaan' s knowledge of vvhether Libo\V faxed his acceptance late in the
10 II evening.
15 II Impermissihle secondary evidence. Evid. Code ~ 1521. The hest cvidence of the terms of
16 II Samaan's alleged facsimile is the facsimile itself.
14 15. Page 4, Paragraph 9, lines 14-15. Hearsay. Evid. Code ~ 1200. Lacks
15 II foundation, no personal knowledge. Evid. Code §§ 400-403,702. No foundation has been
16 II cstabl ished lor Samaan having personal knmvledge of whether Parks had received the
17 II '''Fs(fcm Package"" from lernik or Libow.
18 II Court's Ruling On Objection: Sustained: _ Overruled:
19
20 16. Page ..., Paragraph 9, lines 16-17. Hearsay. Evid. Code ~ 1200. Lacks
21 foundation. no personal kncmkdge. Evid. Code §§ 400-403.702. No foundation has been
22 established for Samaan having personal knmvledge of whether Mara Escrow was waiting for
23 documents from LibO\v.
24 II Court's Ruling On Objection: Sustained: Overruled:
r- )
26 17. Page ..., Paragraph 10, lines 19-20. Improper legal conclusion/argument as to
27 II what is n:quired by the "parties' agreement'". Evid. Code §§ 800. 801. Lacks foundation.
3
4 n~. Page -t, Paragraph 10, lines 21-26. Speculati\e. Lacks foundation. no
5 II personal knO\\kdge. t\id. Code ~~ 400-403.702. No foundation has been established for
6 II Samaan having personal knO\\lcdge of \\ hen Libow sent the disclosure statements.
7 111"vlisstates e\ idence. Impermissible secondary evidence. Evid. Code ~ 1521. The best
10
II 19. Page 5, Paragraph 11, lines 1-2. I Icarsay. Evid. Code ~ 1200.
13
14 20. Page 5, Paragraph 11, lines 2-3. Hearsay. hid. Code ~ 1200. Lacks
17
18 21. Page 5, Paragraph 11, lines 3-8. Lacks foundation. no personal knowledge.
21
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Page 5, Paragraph 11, lines 8-11. Misstates evidence. The trust account
23 II deposit receipt shO\\s the check bei ng received by Mara Escf(m on October 12. 2004.
24 II Impermissible secondary evidence. Evid. Code ~ 1521. The best evidence of the deposit
25 II check and its receipt is the document itself. Hearsay. Evid. Code ~ 1200.
27
10 25. Page 5, Paragraph 13, lines 24-25. Improper legal conclusion/argument. Evid.
11 IICode ~~ 800,801. Impermissible secondary evidence. Evid. Code ~ 1521. Hearsay. Evid.
12 II Code ~ 1200. Lacks foundation, no personal knowledge. Evid. Code ~~ 400-403.702
13 II Court's Ruling On Objection: Sustained: Overruled:
14
IS 26. Page 5, Paragraph 13, line 26- Page 6, line 2. Misstates evidence. Improper
16 Illegal conclusion/argument. Evid. Code §§ 800, 801. Impermissible secondary evidence.
17 II L\id. Code ~ 1521. Hearsay. Evid. Code ~ 1200. Lacks foundation, no personal knowledge.
18 II Evid. Code ~~ 400-403,702.
19 II COll11's Rulim! On Objection: Sustained: Overruled: - -
20
21 17. Page 6, Paragraph 14, lines 4-5. Hearsay. Evid. Code ~ 1100. Lacks
I I II foundation. no personal knowledge. Evid. Code ~~ 400-403,702.
23 II Coul1's Ruling On Objection: Sustained: Chcrrukd:
24
25 28. Page 6, Paragraph 14, lines 5-7. Hearsay. Lacks foundation. no personal
26 II kmm ledge. hid. Code §§ 400-403,702. Improper authentication.
28
~--------------
7 30. Page 6, Paragraph 14, lines 9-14. lIearsa). Lacks foundation, no personal
8 II knowledge. hid. Code ~~ 400--+03.702. Improper authentication. Improper legal
9 II conclusion argument. Evid. Code ~~ 800, 801. Impermissible secondary evidence. E\id.
10 IICode~ 1521.
28 II Evid. Code ~~ -+00-403,702. No foundation has been estah1ished for Samaan having
19 II ~~ 800. 801.
20 II Court's Ruling On Objection: Sustained: Overruled:
21
15
] 6 II Court's Rulin£. On Ohjection: Sustained: - - -
Overruled:
17
18 11. Page 4, Paragraph 6, lines 7-10. Hearsay. Impermissihle secondary evidence.
5 21. Page 5, Paragraph 11, lines 23-25. Ilearsay. Lacks foundation. no personal
26 26. Page 6, Paragraph 13, lines 6-8. Hearsay. Lacks foundation. no personal
27 II knO\\ ledge. Evid. Code ~~ 400-403.702.
28 II Court's RulinQ. On Objection: Sustained: CherruIed:
5 II 2R. Page 6, Paragraph 14, lines 12-16. lJearsay. Lacks foundation. no personal
6 II knm\ ledge. I:vid. Code ~~ 400-403.702. Improper legal conclusion/argument. Fvid. Code
10 29. Page 6, Paragraph 14, lines 17-21. Hearsay. Lacks foundation. no personal
.., -,-,
.) .).) . Page 6, Paragraph 14, lines 24-26. Lacks foundation, no personal
-1- II kn<.m ledge. E\id. Code ~~ '+00-'+03.702. Hearsay. Impennissible secondan evidence.
S II F\id. Code ~ 1521. Misstates evidence.
6 II Court's Ruling On Objection: Sustained: Overruled:
7
8 34. Page 7, Paragraph 15, lines 1-3. Hearsay. Lacks foundation, no personal
9 II knO\v1edge. Evid. Code ~~ -1-00-403.702. Impermissible secondary evidence. Evid. Code
10 II ~ 1521. Misstates evidence.
\1 II Court's Ruling On Objection: Sustained: Overruled:
12
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13 .)) . Page 7, Paragraph 16, lines 5-7. Lacks foundation. no personal knowledge.
14 II Evid. Code ~~ '+00-403.702. Improper legal conclusion/argument. Fvid. Code ~~ 800. 80 I.
17 36. Page 7, Paragraph 16, lines 7-9. Lacks foundation. no personal knowledge.
18 II Evid. Code ~~ 400-403.702. Improper legal conclusion/argument. Evid. Code ~~ 800. 80 I.
19 II Court's Ruling On Objection: Sustained: Overruled:
20
21 37. Page 7, Paragraph 16, lines 9-12. Lacks foundation. no personal knowledge.
Y) II Evic!. Code ~~ 400-'+03.702. Improper legal conclusion/argument. Evid. Code ~~ 800, 801.
23 II Court's Ruling On Objection: Sustained: Ovemtled:
2-1-
25 38. Page 7, Paragraph 16, lines 12-13. Lacks foundation, no personal kn<.)\\ ledge.
26 II E\id. Code ~~ '+00-403,702. Improper legal conclusion/argument. E\id. Code ~~ 800. 80 I.
39. Page 7, Paragraph 16, lines 12-13. Lacks foundation. no personal kmm ledge.
2 II Evill. Code ~~ 400-403,702. Improper legal conclusion argument. Evid. Code ~~ 800. 80 I.
3 II ~'oun's RulinQ. On Ohjection: Sustained: O\t~ITuled:
5 40. Page 7, Paragraph 16, lines 13-1·t Hearsay. Lacks foundation. no personal
6 II klllm kLlge. h ill. COlle ~~ -l-OO--l-03.702. Improper legal conclusion. argument. Evid. Code
7 II ~~ 800. 801.
10 41. Page 7, Paragraph 16, lines 13-18. Hearsay. l.acKs foundation. no personal
I I II knO\\ledge. Evid. Code ~~ -lOO-403.702. Improper legal conclusion/argument. Evid. Code
12 [I ~~ 800. 801.
13 II Court's Ruling On ObjcctioIh Sustained: (hemt1ed:
14
15 42. Page 8, Paragraph 17, lines 1-8. Hearsay. Lacks f<nmdation. no personal
16 II knowledge. Fvid. Code ~~ 400-403,702. Improper legal conclusion/argument. Evid. Code
17 II ~~ SOO. 80 I. Improper authentication.
18 II Court's Rulin2. On Ohjection: Sustained: Ovemlled:
19
OBJECTIONS TO DECLARATION OF MARIA MCLAURIN IN OPPOSITION
20 II TO MOTION TO EXPUNGE LIS PENDENS
21
3
4. Page 1, Paragraph 4, lines 22-23. Hearsay. Lacks foundation. no personal
-+
kno\\ledge. Evid. Code ~~ 400-403.702. No foundation has been established for these
5
records heing the type of record customarily kept by Countrywide. No foundation has been
6
established for the entries on these records having been made by someone unda a duty to
7
make such entries. Ten'lor v. Centennial Bmvl, Inc. (1966) 65 C2d. 114. No foundation has
8
been established for McLaurin·s firsthand knowledge of the information in the records or her
9
obtaining such information from someone under a duty to report such information to her. No
10
foundation has been established for the records being made at or near time of the act or event
II
recorded. No foundation has been established for Mclaurin·s qualitication to authentic
12
these records. No foundation has been establ ished as to the identity and mode of preparation
J3
of the documents. Evid. Code ~ 1271. Gee v. Timineri (1967) 248 CA2d 139. 146.
14
Improper authentication.
15
Courfs Ruling On Objection: Sustained: - - - Overruled:
16
17
23
6. Page 2, Paragraph 5, lines 1-7. Hearsay. Lacks foundation. no personal
24
krHmledge. hid. Code ~~ 400-403.702. Improper legal conclusion argument. Evid. Code
25
~~ 800. 801.
26
Court"s Rutin!.!. On Ohjection: Sustained: Overruled:
27
1/8
~ Evict Code .~~. ~OO-403.702. No foundation has been established for Alfred Canino haying ~
7
J Page 1, Paragraph 2, Lines 7-10. Lacks foundation. no personal knO\\ledge.
8
9 II Evid. Code ~~ ~OO-403,702. No foundation has been established for Alfred Canino haying
10 II lin)' personal knowledge of the subject matter of his declaration. Hearsay. Improper
I~
15
OBJECTIONS TO DECLARATION OF GAIL HERSHOWTIZ
16 IN OPPOSITION TO MOTION TO EXPUNGE LIS PENDENS
17
18 1. Page I, Paragraph 1, lines 4-9. Lacks foundation. no personal knowledge.
19 II Evid. Code ~~ ~OO-~03.702. No foundation has been established for Hershowtiz having
20 II personal knO\vledge of in fonnation contained in her declaration. She merely stated that she
21 11"\vorh:d \\ ith" Mara Escrow. she never offers any evidentiary foundation for having been
22 II imolved with the cscrO\v. having reviewed the escrow file, or haying dealt \vith any other
23 II aspect of this escrow. Instead. she merely offers a conclusory statement \vithout offering any
26
27
28
3 II personal knO\\ ledge of information contained in her declaration. She merely stated that she
-1- II "\\ orked \\ith" Mara Escr()\\. she never offers any evidentiary foundation for having been
5 II il1\ohed \\ith the escrow. having reviewed the escrow tile. or ha\ing dealt \\ith any other
6 II aspect of this escr(m. Instead. she merely oIlers a conclusor: statement \\ithout o (Tering any
7 II basis for it. Improper authentication. Hearsay. No foundation has been established for these
8 II records being the type of record customarily kept by Mara Escf()\\. No foundation has been
9 II established for the entries on these records having been made by someone under a duty to
10 II make such entries. Ta.rlor v. Centennial Buwl. Inc. (1966) 65 C2d, 11-1-. No foundation has
II II been established for HershO\vitz's alleged tirsthand knO\vledge of the information in the
12 II records or her obtaining such information from someone under a duty to report such
13 II information to her. No foundation has been established for the records being made at or near
1-1- II time of the act or event recorded. No foundation has been established for Ilcrshowtiz's
15 II qualification to authentic these records. No foundation has been established as to the identity
16 II and mode of preparation of the documents. Evid. Code ~ 127 L (fec v. Timincri (1967) 248
17 II CA2d 139. 1-1-6. Improper authentication. Impermissible secondary evidence. Evid. Code
18 II ~ 1521.
19 II Court's Ruling On Objection: Sustained: Overruled:
20
21
3. Page 1, Paragraph 3, line 17 - Page 2, Paragraph 3, line 2. Lacks foundation.
22 no personal kncmlcdge. Evid. Code ~~ -1-00-403.702. No foundation has been established
,"I
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for Ilcrsho\\ tiz hm ing personal knO\\ ledge of infonnation contained in her declaration. She
24 merelv. stated that she "worked \\ ith" Mara Escf(m. she ne\er offers anv. evidentiary.
25 foundation for hming been involved \\ith the escrO\v. having revie\\ed the escrO\\ file. or
26 having dealt \\ith any other aspect of this escrow. Instead. she merely ofTers a conclusory
27 statement \\ ithout offering any basis for it. Improper authentication. Hearsay. No
28 foundation has been established for these records being the type of record customarily kept
.., been made b: someone under a duty to make such entries. Taylor v. Ccnfl!J7l1ial BOH'I, Inc.
3 (1966) 65 C:2d. 114. No foundation has been establishcd for I IcrshO\vitz's alleged firsthand
4 knO\\ ledge of the information in the records or her obtaining such information from someone
=' under a dut; to report such infon11ation to her. No foundation has been established for the
6 records being made at or ncar time of the act or c\ent recorded. No foundation has been
7 establishcd for Hershmvtiz's qualification to authentic these records. No foundation has
8 been estahlished as to the identity and mode of preparation of the documents. Evid. Code ~
9 1271. Gee \'. Timineri (1967) 248 CA2d 139, 146. Improper authentication. Impermissible
10 secondary evidence. Evid. Code ~ 1521.
II II Court's Ruling On Objection: Sustained: Overruled:
12
13
OBJECTIONS TO DECLARATION OF JA Y STEIN IN OPPOSITION TO
14 MOTION TO EXPUNGE LIS PENDENS
15
16 I. Page I, Paragraph 1, lines 4-6. Lacks foundation. no personal knowledge.
17 Evid. Code ~~ 400-403.702. No foundation has been established for Jay Stein having
18 personal knowledge of information contained in his declaration,
19 II Court's RulingOnOhjection: Sustained: Overruled: - - - <
20
21 ., Page 1, Paragraph 2, lines 8-14. Hearsay. Improper authentication .
22
Impermissible secondary evidence. Evid. Code ~ 1521. Lacks foundation. no personal
23
knowledge. E\ id. Code ~~ 400-403,702. 1\0 foundation has been established for Jay Stein
24
having personal knO\\ ledge or information contained in his declaration .
.., -
-)
Court's RulinQ. On Objt:ction: Sustained: Overruled:
26
27
28
3 II knmdedge. hid. C\H.ie ~~ '+00-'+03.702. No foundation has been established for Ja: Stein
.+ II he1\ ing personal knO\\ ledge of information contained in his declaration.
5 II Court's Ruling On Objection: Sustained: Cherru1ed:
7
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8 Dated:_2.L Joseph lernik. IN PRO PER
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I1 JOSEPH ZERNIK
12
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IS IT IS SO ORDERED.
16 DATED: ----
18
19
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21
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25
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PROOF OF SERVICE
, STATE OF CALIH)RNIA. COLNTY OF LOS ANGELFS.
-,.., [ am employed in the Count: of Los Angeles. State of California. I am mer the age
of 18 and not a party to the \\ithin action: my business address is 12100 Wilshire Boulevard.
4 Suite SOO. Los Angeles. Calil'ornia 90025.
.) On .luh 16. 2007. I served the foregoing document descrihed as EVIDENTIARY
OBJECTIO:\i"S OF OEFE:\DA:\T JOSEPH ZER.~IK TO DECL\RATIO:\S PROFFERED
6 BY PL\I:\TIFF :\IVIE SA\lAA:\i; /PROPOSEDI ORDER on the interested parties in this
action by placing a true copy thacof enclosed in a scaled envelope addressed to:
7
Moe Keshavarzi Robert .I. Shulkin
8 Sheppard Mullin et al LLP Cold\vell Banker Legal
tl1 th
333 South Hope Street. 48 Floor 11611 San Vicente 130ulevard. 9 Floor
9 Los Angeles. California 90071 Los Angeles. California 90049
10
~ BY MAIL: I caused such envelope to be deposited in the mail at Los Angeles.
II California. The envelope was mailed with postage thereon lully prepaid. 1 am readily
lil11:i!iar \\it.h the ti.nn·s practice or colJection and ~roc~ssing correspondenc.e for
12 matllllg. It IS ckposlted \\Ith the Umted States Postal Ser\lce on that same day III the
ordinarv course of husiness.
13
14
D BY PFRSONAL SERVICE: I caused such envelope to be personally delivered by
hand to the ortices of the addressee.
15 D B'{ fTDERAL EXPRESS: The Federal Express package tr,acking numbt:r for t~is
emcIope is_ _ __, ~_. and the emcIope was sent rmode I tor receIpt
16 on I day I· l datlT'" .
20
~ (State) I declare under penalty of perjury under the la\\s of the State ofCaJifornia
that the above is true and correct.
21
II
. I,
23 , i II
'\ '() L I, r!!;~.. i ~
I " L'.
24 \ i , J\\..: ,\
',' <
Lili! VordclI7;ol1
25
26
27
28
313 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Joseph lernik
In Pro Pcr
J 320 S. Peck A H?I1Ue
Bc\erh II ills. Cali Cornia 90.212
"
.) 31 O--t35-91 07
.~-,.
(
-, ,
.~I
-t
Ii '(
/17.77
,r"" ,t",
f)
5
6
7
27
28
314 / 745
Repl) Brief for \lotion to Expunge l. is [)endcns
Court File: "Volume IV Continued" C!c,e 1\0 SC087~OO
Samaan v Zernik (SC087400) Los Angeles Superior Court
Sec", ,,, A
Pr.:cfess,onal
I I
Corporat;oll
TABLE OF CONTENTS
1 I 1. IN'IR()DUC'IION 1
II. S'/·;\'IT.\1E?\i1' OF FACTS 1
3 I
-+ A. Samaan Fraudulently Induced Zernik to Fnter Into an Alleged Agreement to Sell
5 his 1,lon1c 1
6 H. Samaan Fraudulently Misrepresentcd Her Ability to Ohtain a Purchase Monc)
7 Loan for the Property During the Escrmv Period 2
8 C. Samaan Has Continued the Fraud by Misrepresenting the True Facts in This
9 I,itigation .3
10 1. Samaan's Tall Tale of Initial Submission on October 12.200"+ is Outright Fraud 3
Samaan's Tall Tale That ~kr Loan Application \\as Suspel1lkd on October 1'+.200'+ due to
")
I1
12 a \lissing Il'rnik Initial on f ieI' Initial OtTer (the purported purchase and sale agreement)
15 4. lernik Cancelled the Contract on Octoba 21. 200"+. not Cktober 25. 200..J. 5
17 6. Samaan's ('Iaim that Zemik Agreed to Extend Her Conti ngency Period is Inva Iid 7
18 7. lern ih: Cancelkd the Purported Contract on October 21. 200..+ at II :30 a.I11 8
19 II III. DiSCUSSION 8
21 I. /J/aintiff Has Failed to :Vleet the Burden of Prllofto PrO\c She lias not Acted \\ ith Fraud ... 9
')1
" Salllaan Presented an Adultered Vcrsil1nl1fthe Purchase Agreement 9
')"
--' B. Plainti ff Did not Validly Servc Defendant with the 0:otice of L is Pendens ., I 0
2-+ C. Samaan Continues to \!lisrepresent the Terms of the Contract and the L1\\ 10
25 D. Plainti ff Did Not Oppose the Requirement that She Post a Bond 0011
27
28
TABLE OF AUTHORITIES
I II Statutes
S II Cases
9 II /\;inet\' 'vine [17\·es{lI1ell!s. Lrd. V Overseas COl/rier Service. 113 Cal.App 4 th IllS
10 II (2003) : 10. II
I1
12
13
14
15
16
17
18
19
20
21
22
,"
..;,,-'
24
25
26
27
28
20 II Rather than reiterate Zernik·s statement of facts (most of \\hich was completely
21 II ignored hy Samaan and uncontroverted by her opposition papers), 7ernik will highlight of a
'), II few salient discrepancies in Samaan's opposition papers.
23 II While Samaan is \\ell \ ersed at shining the attention from the salient facts and focusing
24 lion irrelevant issues the following facts are the relevant facts in this case:
,-
-) A. Samaan Fraudulently Induced Zernik to Enter Into an Alleged Agreement
to Sell his home
26
27 II Samaan has offered no evidence to refute the facts of Samaan's fraudulent
28 II inducement in lernik' s initial moving papers. Instead. Samaan summarily dismisses this
I1 to obtain the designated loans." Samaan did none of that. instead she submitted fraudulent
12 loan applications and when they failed she blamed Zernik. The facts are clear. Samaan never
13 got approYed for a loan for the purchase of the Property. Under the purported purchase
14 agreement she \vas obligated to obtain a loan or cancel the contract within the tirst 17 days
15 after acceptance. The contract does not require Samaan to get a loan from Countrywide. it
16 merely requires her to get a loan or cancel the contract. Therefore, Samaan' s argument that
17 Zernik somehO\\ prevented her from getting a loan for the Property fails for two reasons: ( 1)
18 Samaan had the option to get a loan from any lender she chose and (2) Samaan could not get
19 a loan from Countrywide because of her O\vn actions. not through any hlUlt of Zernik.
20 The terms of the purported purchase and sale agreement make the sale of Zernik"s
21 Property contingent upon Samaan's ability to get a loan for the Property. not contingent on
22 her ability to get a loan from Countrywide, as Samaan \\ould ha\e this Court believe.
23 Therefore. \\ hen Samaan discovered that she could not get a loan from ('ountry\\ide she
24 should ha\c sought out other lenders. rather than blame Zernik.
25 Instead. Samaan argues that Zernik somehow pre\ented her from obtaining a loan
26 from Countrywide. HO\vevcr. in her opposition papers she fails to present any evidence to
27 contradict Icrnik's detailed analysis of Samaan's failed loan application with Countrywide.
2R Zernik has presented extensive documentary evidence produced from Countrywide that
4 (Form 1003) for the loan program that she applied for and that she had not met numerous
5 conditions set forth in Country\\ ide's undcf\\Titing decision letters. Id Instead. she simply
6 dismisses Zernik's argument by explaining that it relies on "an incredibly dense document
7 produced by Countrywide..... (Opposition. p. 10:2-6). Indeed. Samaan offers no evidence
8 to suggest that she addressed, met or satisfied any of the more than 10 problems
9 Countr)"wide identified with her initial invalid loan application. Motion. 6: 11-8: 17. Zernik
10 [tDecl .. ('-'-17-24.) Instead, Samaan chooses to focus on her manufactun:d argument that
11 II Zemik somehow prevented her form obtaining a loan for the Property.
13 II This Litigation
14 II Samaan's. per motion. newly concocted t~lcsimile tall tales arc outright fraud.
15 II Samaan' s strategy in her opposition papers is very clear. Shi ft all attention away from the
16 II fact that Samaan had not met the countless conditions for loan approval and instead shift the
17 II blame to lernik for allegedly failing to initial and sign her original offer.
19 Fraud
20 Samaan claims that her loan applications were submitted prior to October 12. 2004. as
21 is evidenced by the double Date Received stamps which indicates a prior suhmission. In
'1'1
addition. undemriting documents indicate review of the loan file prior to Octohcr 12, 2004.
n Il/ernik Ike!" n 19-22. Exhibits K. L. The presentation of the undt:r\vriting history as
24 II beginning on October 12. 2004 indicates a conspirac) to commit fraud h: Samaan.
25 II Mel .aurin and Country\\ide and a blatant violation of Regulation B. The true facts are that
26 II the loan application was first submitted in early October and then re-submitted on October
27 1112.2004.
28
, Samaan's Tall Tales That Her Loan Application was suspended on
4 invalid undcn\riting letter that is dated October 26. 2004. that did not exist on October 14.
5 2004. Nc\'t~rtheless. Victor Parks claims that he was (1\\ are of this undemTiting letter on or
6 about Octobcr 14. 2004 and that this letter indicated a missing Zernik signature or initial
7 caused the suspension on or about October 14. 2004. The true facts in this matter. that the
R true Undcnvriting Letter of October 14, attached as Joshua Mailman's declaration. \\as
9 t~lcsimi led to Samaan on October 14. 2004 as is evidenced by the facsimile header. The first
10 approval condition in that ktter. Frazier caught Samaan's fraud by discovering Samaan had
I1 misrepresented the address of her sole place of employment. This caused her loan application
12 to be suspended.
I3 In t~lCt. on October 6, 2004 (before the date Samaan claims she first submitted the
14 loan application). the underwriting already identified the fraud by showing that Samaan had
15 blatantly misrepresented her business address through conducting a revcrse number look up.
16 This all occurred a week in advance of the date site claimed she first submitted the loan
17 II application. Zcrnik Decl.. ~ 7. Therefore. the undemTiting letter of October 14. 2004
18 II Samaan has offered no cvidence to rebut Zernik's claim that this Octoher 26. .2004 letter was
19 II fraud.
20 II Like\'l'ise. the loan was suspended. per the terms of the underwriting letter. because
21 II clue to thc deliberate submission of dishonest loan applications. fees assigned to the loan
")") II \\ere erroneollsly lowered and so were closing costs. Subsequently. if disclosure papers
23 II wen: prepared hased on this invalid application the disclosures would also be inaccure.
24 II Therefore. Samaan left the underwriting no other choice than to suspend the loan in less than
25 II three days to protect Country\'iide. because had she allO\\'ed the loan application to remain
26 II without valid loan disclosures (which were not present) she \\ould cxpose Countrywide to
27 II Fraud. Business and Professions Cocle § l0240(c).
3 the terms of Counter OITer No. 2 expressly stated that "The terms and conditions of the
5 initial oller) I are accepted subject to the following:" Applying very basic contract principles
6 n.:veals that a counter-offeree need not initial or sign an original offer alter being presented
7 \vith a counter-offer. In other words. Zcrnik was never obligated to sign the original offer
9 Nevertheless. Zernik did initial and sign pages I through 8 of the purchase agreement.
10 -
Now. through the declaration of Victor Parks and \vithout am documentary evidence.
~ .
I) Samaan claims that Zcrnik signed Samaan's original offer (the California Residential
12 Purchase and Sale Agreement and Joint Escrow Instructions) atter 3:42 p.m. on October 22.
13 112004. I n fact. Gail HershO\vitz, in her declaration submitted in opposition to this motion,
14 II could not con/inn that Zernik signed the contract at that time. (I IershO\\itz Decl.. f[ 3.)
18 II yet Samaan refuses to accept that date. Zemik Decl.. f[ 15. Exhibit "0" (Cancellation letter)).
19 II Instead, in the same manner that she refused to accept the timclines set forth in the purchase
20 II and sale agreement. she chose to ignore Zernik's October 21. 2004 cancellation. Samaan
21 II would now have the court believe that Zernik did not cancel until October 25. 2004. which is
II Iljust one more misrepresentation she can add to the very long list of misrepresentations.
I '
_.) 5. No Valid Purchase Agreement Exists
26 II Residential Purchase and Sale Agreement and Joint Eserm\ instructions. I 10\\ ever. she
2 argument that as of October 22. 2004 at 3:42 p.m. \vhen Mara Fscrlm purportedly sent a
3 t:1csimile to Victor Parks. Zt:rnik allegedly had not initialed and signt:d pages \ though 8 of
4 Samaan's original offer. Samaan never argues that 7ernik did not sign Counter Offer No.2.
5 In other \\ords. she argues that Zernik created a binding contract \\hen he signed Counter
6 OtTer f\o. 2. but that he \\as somchO\v also required to sign her original offer. Nevertheless.
7 Samaan. in her Iakst version of this vcry manufactured argument. argues that lernik had not
8 signed her original offer as of October 22. 2004 at 3:42 p.m .. but then signed that same
9 document later in the day on October 22. 2004. Indeed. in her opposition Samaan submitted
18
Parks Declaration. (i 14. There are numerous problems with Parks declaration, consider
19
the following:
20
2\ ( \) Parks has no personal knowledge of if or \vhen Zernik signed the agreement as
it apparent from his statement "Apparently. at some point. ..."
22
T'
--'
24
,.,-
-)
10
Currently. there are no less than 3 versions of the purchase agreement in existence.
I1
Dcclaration of Joshua Mailman C'Mailman OecI."). Howcver. at this point in time it is
12
impossible to determine ifany of them are valid. See. Mailman Dec!. The initials on pages I
13
through 8 of each of these different versions of Samaan's initial otTer (produced by
l.l
Countrywide. Mara Escrow and Samaan) simply do not match. Therefore. there is now way
15
to determine which version is valid. See. Mailman Dec\.
16
6. Samaan's Claim that Zernik Agreed to Extend Her Contingency
17 Period is rnvalid
18
In Samaan's declaration she accurately stated that she "Will not be able to meet the
19
terms of the Purchase Agreement" and asked that Zernik agree to change the date of his
20
acceptance so that she could have additional time to removc her contingencies. Samaan
21
Declaration. (' 6. Samaan even attached a copy of an unsigned amendment to the purported
'1')
purchase agreement. so as to mislead this court into believing that Zernik's acceptance date
23
had been changed. She also falsel) declares that "Libmv told me that there \vas no need to
24
sign the Addendum and assured mc that defendant \\ ould give me additional time to meet the
25
dcadl ines in the Purchase Agreement if needed'" Id.
26
In reality. Michael Libo\\. in his deposition. testified to an entirely different version of
27
events. Consider the follO\ving excerpts:
28
---------
323 / 745 Repl) Brief for :Y1otion to E:-;punge Lis Pendens
Court File: "Volume IV Continued"
-7- Case ~o, SC087400
Samaan v Zernik (SC087400) Los Angeles Superior Court
16 Q Do .you remember \1s. Samaan telling, .YOU that ~
17 night that she \\ as going out of to\\n and she needed the
I
1R acceptance date to be mo\ ed from September -- from the
3 19 date the) \\ ere accepting to another date'?
20 A 110\\ do you move an acceptance dak'?
4 21 Q To have it moved to be another date so the
5 22 deadline for the contingencies \\ould run from a
23 difkrent date.
6 2,,), ;\ No. You can't move an acceptance date.
7
Zernik Declaration. (' 5 (Deposition of Michael LibO\\ p. 49: 16-2,,),).
8
6 Q BY MR. KESHAVARZI: The question is do you
9
7 remember discussing that subject with Ms. Samaan?
10 R A About the acceptance date'?
9 () Yes.
II 10 A Yes.
12 II Q What do you remember from the conversation'?
12 A I would have said as a licensee we can't make
13 13 decisions for our clients and you can't change an
14 1,,), acceptance date.
18 Zernik canceled escrow on October 21. 2004. four days before Samaan claims he
19 II cancelled escrow. Zanik Dec!.. (T 27-2R. Ne\ertheless. in Samaan's entire opposition,
20 including all of the depositions submitted in support thereof. she fails to ever mention this
21 document. Again, Samaan continues to choose to ignore this October 21. 2004 cancellation
II by lernik in order to shin the court's attention a\vay from lernik's valid cancellation to a
23 latt:r communication by CSCfO\\. This attempt to create a facsimile race on October 25, 200..\.
2..\. II is irrc!c\ant since 7ernik had cancclkd cscro\\ four days earlier. Samaan's t~lilllre to
25 II address the Octo her 21. 200..\. is just one more indication that Samaan cannot ml:et her burden
26 Ilofproot'to maintain the lis pendens. In order to do show. she \\ould h,nc to establish. by a
27 II prepondl:rance of the evidence. that the October 21. 2004 cancellation \Vas somehow invalid.
28 11111. D[SCLSSIO~
2-+ multiple occasions. See. Mailman Dec!. Nevertheless, Samaan has concocted new facts
25 \vhae she nO\\ claims, through Victor Parks. that there is another version of the purchase
26 agreement that "apparently" exists that Parks sent to Countrywide also on October 21. 200-t.
27 No such document has cver been produced in this case. not by Parks. Countrywide. Mara
Escf()\\. Samaan or lernik. Zcrnik Decl .. c: 4. Further. in Gail ~krshO\\tiz's (of Mara
28
3 I[ Samaan bears the evidentiary burden of establishing by a preponderance of the evidence the
. + II probahle validity of her claim. Hm\C\ cr. she has not and cannot produce this key document
5 II in her opposition - because the document simply does not exist.
6 II True to form. a ne\\ly concocted tall talc for every motion hearing. Zernik now fullv
7 II expects a last minute surprise before summary judgment hearing - namely a new document
8 II emerging from Countrywide's files that was never included in any of the five subpoenas that
9 I hvere produced to Zernik from August 2006 through April 2007, \vhere custodian of records
10 II declarations and attorneys trom Countrywide's legal department repeatedly claimed that
II II Zernik received all documents relating to Samaan's loan file. In other words. Zernik fully
12 II expects Samaan to invent another sel f-:"serving document to help her in her continuing fraud -
13 II a document that has not been shown to exist as of this date. After al L Countrywide and
14 II Samaan are colluding in fraud.
15 B. Plaintiff Did not Validly Serve Defendant with the Notice of Lis Pendens
16 In Zernik"s moving papers he explained that Samaan's lis pendens is void and invalid
17 under Code of Civil Procedure section "+05.23 because Samaan has not demonstrated valid
18 service of the lis pendens by registered or cert~fied mail. return receipt requested as is
19 absolutely required by Code of Civil Procedure section 405.22.
20 In response, Samaan ohtained a declaration from her former attorney Jay R. Stein
21 wherein he declares that he served the Notice of Pendency of Action by Certified Mail.
II Stein Decl .. • 2. However. Mr. Stein did not serve it return receipt requested. In fact. even a
)'"
-j cursory examination of Exhibit A to his declaration (the Certi tied Mail Receipts) reveals that
2..+ he did not send these return receipt requested. Proof of the return receipt requestt:d is the
1- only true \\ay to kl1()\\ that the lis pendens '"vas properly served. Mr. Stein. hmH..'\ er. did not
-)
26 pay for this added expense. Because Samaan did not comply \v ith the serv'ice requirement of
27 the lis pendens statute the lis pendens is void and invalid. As a result. the Court should order
2X it expunged.
3 II In her opposition Samaan relics on Sinety iVine Investments. Ltd v. Overseas Courier
th
4 II Senice. 113 Ca1.App 4 I I 18 (2003) for the proposition that the seller's failure to comply
5 II with its escnm obligations prevented the escro\v from closing and the loans from funding by
(, II the closing elate. thereby excusing the buyer from performance by the closing date. Id at
7 111135-1136. HO\\ e\·er. the facts from Ninety /I/ine Inw'stmcnts. Ltd are easily
8 distinguishable.
9 In Sine{1.· Nine Investments. Ltd. the escrow instructions expressly stated that the
10 seller \\as "required to submit certain documents to escrow. These documents included the
)I Los Angeles city report of property records and pending special assessment liens, the rent
12 roll statement. an amendment for the 1031 exchange. Overseas' articles of incorporation. and
13 loan information." Id. at 1127. In that case. cscrm\ asked for a completed loan information
14 sheet and rent roll statements from the seller in order to prepare the estimated closing
15 statements. hut seller did not due so. "The rent roll statements and loan information were
16 needed by the eserow holder to prepare the estimated closing statements. which advised the
17 buyer of the exact amount necessary to deposit to close the escrows:' Id. at 1128. In other
18 words. escrow needed certain information from the seller so that it could advise the huyer as
20 lIere. the facts are vastly di fferent. Zernik had no obligation to deposit a signed
21 version ofSamaun '."I initial offer into escrow. At most he was required to deposit his signed
22 acceptance of Counter-Offer No.2. \vhich he did. In reality. Samaan had the obligation to
23 obtain a loan for the Property within seventeen days. Samaan has presented absolutely no
24 authority for her argument that "Defendant was required to deli\'Cr the fully executed
25 Purchase Agreement signed by him on page 8 of 8 and initiakd by him on every page. to the
26 parties' escrow agent on or before September 27.2005:' Opposition. p12: 1-3. In reality.
27 Zernik \\as never required to initial and sign page I through 8 of Samaan's initial offer. those
10 II Zernik respectfully requests that the court no longer permit Samaan to shift the focus
11 II off of the real issues in this case. The facts are simple: Samaan fraudulently induced Zernik
12 II to enter into a purported agreement to sell his home based on a prequali fication letter that
13 II indicated she had heen pre-approved for a loan \ve now know that she is not qualified to
I.-J. II ohtain. she then fai led to remove her loan contingency in a timely manner forcing Zernik to
15 II cancel the sale or his home. Now. nearly three years later. she still maintains a lis pendens
] 6 lion his home. effectively suffocating him financially.
17 II DATED: July 16.2007 Joseph Zernik
In Pro Per
18
19 (r"-'" ';
\
20 By:
21 Joseph Zernik
In Pro 'p-er
"''1
"--
23
2.-J.
')~
-)
26
27
28
13 II myself have ever produced a version of the purchase and sale agreement that \\as sent by
l-l II facsimile hy Mara Escrow or Victor Parks on October 22. 200-1- after 3:42 p.m.
15 -1-. I attended a portion of the deposition of Michael LihO\\ on March 30. 2007.
16 II Afterwards. I requested and received a copy of the Certified Transcript from Abrams. Mah &
17 II Kahn Reporting Service. Attached hereto as Exhibit L is a true copy of the follO\ving
18 II portions of Mr. Libow's deposition testimony: page 49. lines 16 through 24 and page 5]
I911Iines6-1-l.
20 ), I recall clearly. receiving tht: facsimile attached as Exhibit 3 to Nivie Samaan's
2l II declaration submitting in opposition to this motion. HO\vever. \\ hen [ originally reviewed
71 II this lacsimik. I distinctly recall that there were no handwritten notations on it. 80th Michael
23 II Lihm\ and I \\ere confused on hmv Samaan thought she could rcfuse to provide her check in
2-1- II a timely manner. The facsimile received by Michael LihO\\ does not bear an: hand\\Tlttcn
25 II notation. I pre\ iously pointed this adulterated document out to counsel for Samaan. Mac
26 II Kesha\arzi. \\hen I informed him of my intent to due a Code of Civil Procedure section
27 II 128.7 motion. ~everthekss. that document has been resubmitted to defraud me and the
28 II court.
7 regarding the issue of \vhen Samaan first submitted her loan application. each time
8 Countrywide represented. as does Samaan. that it was first submitted on October 12. 2004.
9 This document indicates othenvise.
10 I declare under penalty of perjury under the laws of the State of California that the
II foregoing is true and correct.
1..+ --r-~-
<'
--~-- - - - - - .. - - - - - - - -
L J~_~~ph Zernik
15
16
17
18
19
20
21
'1'1
23
2..+
j-
-)
26
27
28
-----------------)
AiMfK
ABRAMS, MAH &KAHN
REPORTING SERVICE
~
331 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Samaan \, Zcrnik 'vI ichae; Libo\\ -' 302007
Page 49
L ,~ ~'Jo .
"J (,
Y.. Do yo~ recall where yeu were when you called
4 her? Were you at your house?
5 A My office.
6 Q Your private office?
'I
I l\ Uh-huh.
8 Q Where is your private office? At home?
9 A No. In the office. I mean -- sorry. In the
10 larger office.
11 Q Okay. Do you remember having 2 phone
12 conversation with her the next morning?
13 A Nc.
14 Q You didn't have one or you don't recall?
IS A I don't recall.
16 (2 Do you remember Ms. Samaan telling you that
17 n~ght that she was going out of town and she needed the
18 acceptance date to be moved from September -- from the
19 date they were accepting to another date?
20 l\ How do you move an acceptance date?
21 Q To have it moved to be another date so the
22 deadline for the contingencies would run froIT a
23 different date.
24 F" No. ~ou can't move an acceptance date.
"c,
c!..v ('
y
LI. " "
""i1 ' h t.
rlg Well, let's look at another
P8ge 5 J
9 Q Yes.
10 A Yes.
11 Q What do you remember from the conversation?
12 A I would have said as a licensee we can't make
13 decisions for our clients and you can't change an
~4 acceptance date.
15 Q You would have said that or you said that?
16 A I would have said that. I don't know if I did
17 say that.
;--.:<
~J
."
1" = remember her sayi~g she needed ~ore time on
24 the contingency, not specifical~y acceptance date.
/ c,
'-- J You're putting this in front of me. --:- 1
..L
~
m see.u.gy""\
8 truth;
20 correct.
~u)M11r
23
24
25
334 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
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http;//www.smartpages.comldirectory/seilrch.jhtml~sessionid=EUKVINN5DQOC5QFI4GDA4CQ?QueryType=2&QueryString... 10/6/2004
335 / 745
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Samaan v Zernik (SC087400) Los Angeles Superior Court
Scherr Law A
Professional
Corporation
PROOF OF SERVICE
/ STATE OF CALIFORNIA. COUNTY OF LOS ANGELES.
-,
-' I am employed in the County of Los Angeles. State of California. I am over the age
of 18 and not a party to the within action: my business address is 12100 Wilshire Boulevard.
4 Suite 800. Los Angeles. California 90025.
5 On July 16. 2007. I served the foregoing document described as DEFENDANT
JOSEPH ZERNIK'S REPLY MEMORANDUM OF POINTS AND AUTHORITIES
6
IN SCPPORT OF i\IOTION TO EXPUNGE LIS PEVDEVS on the interested partics in
7 this action h) placing a true copy thereof enclosed in a scaled enn:lope addressed to:
12
~ BY MAIL: I caused such envelope to be deposited in the mail at Los Angeles.
Calil~)rnia. The envelope was mailed with postage thereon fully prepaid. r am readily
familiar \vith the firm's practice of collection and processing correspondence for
13 mailing. It is deposited With the United States Postal Service on that same day in the
ordinary course of business.
14
15
D BY PERSONAL SERVICE: I caused such envelope to be personally delivered by
hand to the offices of the addressee.
16 D BY FEDERAL EXPRESS: The Federal Express package. tracking number for this
envelope is ~ . and the envelope was sent Gnode I for receipt
17 on l day]. IdateT
21
~ (State) I declare under penalty of pe~iury under the la\\s of the State of California
that the above is true and correct.
II
/-' ,/
--'
-, t \ : ,
24 : I
i." \. ~.
)~;t{.
.\} :t.- 'ex..
25
\j Lilit Vonlonion
26
27
28
336 / 745
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COLrtT OF CALIFORNIA, COUNTY OF LOS ANGELES
#11
B. VARGAS CA D~put, Sherlffll L. McKENZIE CSR#5567 Reporter
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COLJ.iT OF CALIFORNIA, COUNTY OF LOS ANGELES
338 / 745
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COu.1T OF CALIFORNIA, COUNTY OF LOS ANGELES
339 / 745
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COurtT OF CALIFORNIA, COUNTY OF LOS ANGELES
MINUTES ENTERED
Page 4 of 10 DEPT. WEI 07/12/07
COUNTY CLERK
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COu.1T OF CALIFORNIA, COUNTY OF LOS ANGELES
341 / 745
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COUlt T OF CALIFORNIA, COUNTY OF LOS ANGELES
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COUlt T OF CALIFORNIA, COUNTY OF LOS ANGELES
Conclusion
MINUTES ENTERED
Page 7 of 10 DEPT. WEI 07/12/07
COUNTY CLERK
343 / 745
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COUll r OF CALIFORNIA, COUNTY 0F LOS ANGELES
MINUTES ENTERED
Page 8 of 10 DEPT. WEI 07/12/07
COUNTY CLERK
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COunT OF CALIFORNIA, COUNTY OF LOS ANGELES
MINUTES ENTERED
Page 9 of 10 DEPT. WEI 07/12/07
COUNTY CLERK
345 / 745
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COurtT OF CALIFORNIA, COUNTY OF LOS ANGELES
Jacquellne A. Connor
The original Order and verified Answer as stated
above is signed and filed this date.
A conformed copy of the order Denying Peremptory
Challenge and Striking Statment of Disqualification
and Verified Answer of Jacqueline A. Connor are
mailed this date via U.S. MAIL to the Defendant,
JOSEPH ZERNIK addressed as follows:
MINUTES ENTERED
Page 10 of 10 DEPT. WEI 07/12/07
COUNTY CLERK
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COLH'iT OF CALIFORNIA, COUNTY OF LOS ANGELES
347 / 745
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COLJdT OF CALIFORNIA, COUNTY OF LOS ANGELES
1
8:30 amlSC087400 PlallHlff
Counsel MOE KESHAVARZI (X)
NIVIE SAMAAN
VS Defendant JEHAN N. JAYAKUMAR (X)
JOSEPH ZERNIK (X) Counsel SPECIALLY APPEARING
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COlh1T OF CALIFORNIA, COUNTY OF LOS ANGELES
349 / 745
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COunT OF CALIFORNIA, COUNTY OF LOS ANGELES
MINUTES ENTERED
Page 4 of 10 DEPT. WEI 07/12/07
COUNTY CLERK
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COu.1T OF CALIFORNIA, COUNTY OF lOS ANGELES
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COu.t T OF CALIFORNIA, COUNTY OF LOS ANGELES
352 / 745
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COUI\ T OF CALIFORNIA, COUNTY OF LOS ANGELES
MINUTES ENTERED
Page 7 of 10 DEPT. 'wEI 07/12/07
COUNTY CLERK
353 / 745
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COUll r OF CALIFORNIA, COUNTY lJF LOS ANGELES
MINUTES ENTERED
Page 8 of 10 DEPT. WEI 07/12/07
COUNTY CLERK
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COunT OF CALIFORNIA, COUNTY OF LOS ANGELES
MINUTES ENTERED
Page 9 of 10 DEPT. WEI 07/12/07
COUNTY CLERK
355 / 745
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Samaan v Zernik (SC087400) Los Angeles Superior Court
SUPERIOR COunT OF CALIFORNIA, COUNTY OF LOS ANGELES
Jacquellne A. Connor
The original Order and verified Answer as stated
above is signed and filed this date.
A conformed copy of the order Denying Peremptory
Challenge and Striking Statment of Disqualification
and Verified Answer of Jacqueline A. Connor are
mailed this date via U.S. MAIL to the Defendant,
JOSEPH ZERNIK addressed as follows:
MINUTES ENTERED
Page 10 of 10 DEPT. WEI 07/12/07
COUNTY CLERK
356 / 745
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Samaan v Zernik (SC087400) Los Angeles Superior Court
..,1; ficati
.t st<,
LOS
FILED
ANGELES SUPERIOR COURT
5
S
T'.:~lll 1 2 Z007
(5 ,LPERr "~
OR COURT OF JOHN!A. CLf,FiK~. CLERK
7 FO TUEST '~
8
R THE COUN "ATE @]( ~/XlfWJAIME, DEPUTY
Ty OF LOS . ORNIA
9 , ANGELF
-S
/(j J\!/VIFSAMAA "Y,
II
Plaintiff: ('ASE No. SC087-JOO
\
12
I]
J()SEPfr ZERNIK, et al.
ORDFR {)P"YII\, .
14
Defendants ('HALl. £1\'(,[,
." "C, PEREA./PTOJ<Y
/5 JOSEPH ZERNIK, • 1'/ I: AND STRIKING
STA TEMENT OF
/6
\'
CrOSS-COmPlainant, IJISQUM.JFICA TiON
/7
/8 COllJWELI [JANkFJ< ,
19 BROKERAGE', et al. -, RESIDEN fIAL
20
CrOSS-Defendant _
21 s.
Defend
ant Joseph Z '
22 /I '
1/ ")Chlde . , • cfI lIk has f-I) cd a Pleadin
emen
')"at ) or,r ,- g as OPPOsition to ,
23 II 17(), ,
.." (Ontending t
h alth )sqUa/, i) Cation ii)r cause
'. ' .
a mOl)On lI'ith
PurSuant 10 COde Of (" 'I
I'" I
' 0
"'"P al
3 1. I am a Judge of the Superior Court and as such have been assigned to preside over
: II this cas:
I am not prejudiced or biased against or in favor of any party to this proceeding or
6 their counsel.
'"1
1 3. All rulings made by me in this action have been based upon facts and arguments
8 II ot1icially presented to me and upon my understanding of the law. My statements and rulings are
9 II set forth in the records and the files herein, which are the best evidence hereof To the extent the
10 II moving party's statement of those rulings and statements are inconsistent therewith, they are
1I II denied.
12 4. All statements made by me and all actions taken by me in this proceeding have
16 I declare under penalty of perjury that the foregoing is true and correct and of my own
17 personal knowledge, except as to those matters stated to be on my information and beliet~ and as
/ JacqueF . ~
21 ; .
I,'
22
./
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24
25
26
j'"1
_I
28
4
Order Striking Statement of Disqualification
358 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~\\;£uco~,,~
~ s s\.l?tR
2 LOS ,b.~Gr.\..£ In\)l
."'\ l?" \.l
" \., ,~\~\ sr.I<.
.J
"~Y.c C\..
if'- O_p·n
4 JO\-\N; .~. oE.PU1'I'
'Jf'-,tJIE.,
5 SUPERIOR COURT OF THE STATE @Y'e'wt 'ORNIA
10
Plaintiff, ORDER DENYING PEREMPTORY
II CHALLENGE AND STRIKli\(J
v.
12
JOSEPH ZERNIK, et al. STATEMENT OF
13
Defendants DISQUALIFICATION
I~
JOSEPH lERNIK,
15
Cross-Complainant,
16 v.
17
COLDWELL BANKER RESIDENTIAL
18 BROKERAGE, et al.
19 Cross-Defendants.
20
21 Defendant Joseph Zernik has filed a pleading as opposition to a motion \\ ith purports to
22 include a statement ofdisqualitication for cause pursuant to Code of Civil Procedure section
23 II 170.3, contending that the assigned judge is biased. The pleading may also be intended as a
25 To the extent that the pleading is intended as a peremptory challenge pursuant to Code of
26 II Civil Procedure section] 70.6, it is untimely as this matter is assigned to the undersigned for all
27 II puqloses. and the motion was not filed \vithin fifteen days of the defendant's appearance as
28 II mandated hy that section and Local Rule 7.5(a). The motion is also not in a surticient or proper
I
Order LJenying Peremptory Challenge and Striking Statement of Disqualification
359 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
form.
! To the extent the pleading is intended as a statement of disqualification for cause, It is
3 difficult to discem what the contentions are that form the basis for disqualification for cause.
4 rhe rambling pleading complains primarily of acts of others than the judge. As best as can be
5 discerned, disqualification is sought on the basis of defendant's opinion and disagreement with
6 the court's rulings. The pleading is also in improper form, as such a statement should be separate
7 and not included within another pleading. j\;!cCaratnev v. Superior Court ( 1(90) 223 Ca1.app.3d
8 1334, 1340.
9 In any event, the pleading demonstrates on its face no legal grounds for disqual i fication.
II Code of Civil Procedure § 170.3(c)( I) requires that the disqualification statement set forth
12 "the facts constituting the grounds" for disqualification of tile judge. Mere conclusions of the
I '"
-) pleader are insufficient. In re l\;forelli (1970) II Cal.App.3d 819, 843; Urias 1'. Harris Farms,
15 The statcment of di squa Ii tication cannot be based upon in formation and be IieC hearsay,
16 or other inadmissible evidence. See United Farm Workers o./America, A.FL-CIO v. Superior
17 Court (] 985) 170 Cal.App.3d 97, note 6 at 106 (disqualification cannot be based upon hearsay or
18 other inadmissible evidence). Cr, Anastos v. Lee (2004) I J8 CaI.App.4th 1314, 1319
19 (declarations in support ofa (ode of Civil Procedure section 473 motion must include proper
21 A par1y's belief as to a Judge's bias and prejudice is irrelevant and not controlling in a
22 motion to disqualify for cause, as the test applied is an objective one. United Farm iVorkers oj
,"I
",j America v. Superior Court (1985) 170 Cal.App.3d 97, 104; Stanford ['Ilin,>rlitl' v. Superior
24 Court (1985) 173 Cal.App.3d 403,408 ("thc litigants' necessarily partisan views do not provide
26 Rulings and tindings do not constitute a valid basis for disqualitication. As stated by the
27 Califclrnia Supreme Court in People r. Guerra (2006) 37 Cal. 4th 1067, 1112, "a trial court's
2R numerous rulings against a party--even \vhen erroneous--do not establish a charge ofjudieial
2
Ordcr Striking Statement of Disqualification
360 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
bias. especially when they are subject to revie\v,"
} /I Conclusion
3 II To the extent the pleading is intended as a motion pursuant to Code of Civil Procedure
4 II section 170.6, it is denied as untimely and not in proper form. To the extent the pleading is
6 II 170.3, it is stricken pursuant to Code of Civil Procedure § 170A, subdivision (b) on the grounds
7 II that it demonstrates on its face no legal grounds for disqualification. The parties are reminded
8 II that this determination of the question of the disqualification is not an appealable order and may
9 " be reviewed only by a writ of mandate from the Court of Appeal sought within 10 days of notice
10 II to the parties of the decision. In the event that a timely writ is sought and an appellate court
II II determines that an answer should have been timely filed, such an answer is tiled herewith. See
]2 /I PEA, LLC \'. KPOD, LTD (2003) 112 Cal.AppAth 965, 972; accord, Fine \'. Superior COllrt
15 '"',\
JUL 1 2 2007
I, \, c'
16 IIIJate: ", _ />'
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17 / I " I
I
18 /
'~
19
20
21
22
23
24
J~
~)
26
27
28
3
Order Striking Statement of Disqualification
361 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Verified Answer of Jacqueline A. Connor
')
L Jacqueline A. Connor, declare:
3 1. I am a Judge of the Superior Court and as such have been assigned to preside over
4 II this case.
I
I am not prejudiced or biased against or in f~lvor of any party to this proceeding or
" .;..
6 II their counsel.
7 3. All rulings made by me in this action have been based upon facts and arguments
8 II officially presented to me and upon my understanding of the law. My statements and rulings are
9 II set forth in the records and the files herein, which are the best evidence hereof. To the extent the
10 II moving party's statement of those rulings and statements are inconsistent therewith, they are
1I II denied.
12 4. All statements made by me and all actions taken by me in this proceeding have
16 I declare under penalty of perjury that the foregoing is true and correct and of my own
17 personal knowledge, except as to those matters stated to be on my information and belief, and as
18 to those matters, I b~lieve them to be true. Executed this ;';~ -C1 day of j:./ { . ;"
~~
19 2007, a.~
.
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Order Striking Statement of Disqualification
362 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
\,·0 I)
.1 _
" ' (!)~/
,~
2\
y) Juh l2. 21)07 Sll)am
fkpan lill:nt I
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6 c. That our original opposition for the e\ parte appJication for a hearing on the
..,
i motion for Protective Order be considered pa rt of this opposition. \Ve never
8 withdrew it, and it was never returned to us by the judge.
9 .2) lhold and belie\ e that the background to Samaan v Zernik is in conduct of a loosely
10 organized group of individuals, including: 1\1aria \1cLamin, JR L10) ds. Victor Parks.
\\ :" i" ie Samaan. ~loc Kcshevarzl Their conduct included:
1:2 !i a) Fraudulent Inducement of lemik to ~nter a Pun:hasc ,\grccment by Samaan and Parks
J 3 II b) .-'£tempt at Fraud and Ileceit ag:linst a government -hack lender by Samaan. Parks.
It !!and \IcLauIin
15 i I c) Attempt at Fraud and Ueceit against a financial institution hy ~amaan, Parks. and
16 11.\lclaurin
2,l ;mJ ·.1 rtl li:ltcs, j'Jlntl:- and.l)r sc\ually"j appears to bring a lloticed motilHL '.\hele in fact.
2j th\.o;, \\ as :In 111llloticed mutien. Defendant rccei\ed PLJintirr" motIon abnut ()OOpm last
2C) ni.,:!h1. ;llld t~'lr all lh: can tell. it CGntlmlls \\ ith the letter and thec;pirit llf the honorable
:'7 !w):;e·.;; decisil'll.
28
., II parte and not now. At the same time that it wants me to retract any mention of its collusion
3 :I\\ith Plaintiff it allo\\s itself to be listed ;-IS one and the same as Plaintiff in (OUlt papers.
-\. \13) l"he t,linng by Br~an Caye was and is replete \\:ith hearsay. unfocused. and unreasonable
5 i Ito the ~Jllint that this \Hlkr .... ho is not a legal professional sees in it an odd e\ent in and of
6 ! it<;,eJf. !rmik holds ~md believes lhat the cir..:umstances
. SliITOlllldinQ
G the hearinu~
l)f
7 I (\wntry\\idc's ex parte last Friday deserve an il1\estigation by L\ Superior C()[ut. That \\<as
8 i Ino nonnal hearing :ts atlordcd to an) body else. There was nothing nOllllal about it.
9 II ~) CmllltT)\\ ide's tactics are perceived by this \\T1ter as bullying under COUlt blessing.
10 115) This v.riter holds and believes that a better way to describe \.. hat transpires here is to use
Ii \j the language used by C\mntryv.• ide itsdf. This \\Titer holds and believes that he is
I
1.2 ! ex.periencing streamlining of the comt. the la\\. ;lIld regulations.
I
13 '!S)Furthermore. (\mlHry\\ide repeatedly protests 7emik's communications ",ilh
I
14 i (\mntl) '.vide· ~ t,.·mployces \\ ho are represented. Countl)\vide is applying to Lcmik standards
15 i Iof an attol11e\. In fact lemik 1S not an attome\< and is unable to retain an attomev. for
16 II reasons that :m~ most likely related to COUlltly \~'ide (see belo\\: ). -
17 I I -
I
18 1\2) ZER~IK'S CO:\L\lt~ICS.\TIO~S THAT IRRITATED COL:\TRY\\'IDE ARE I~
19 !I F.\CT PROTECTED FREE SPEECH
20 116) FUl1her. Zemik distributed last night by email some review of \\hat transpires in Samaan v
:z I II Zcmik in the last Ct)Up!e of days. A copy is enclosed:. Zcmik made a :-epcial effort to screen
)""l II the names l)l1e tr~ one, and could not ;dcntit\ any that was frmn ((\untry,-\ide. ih~\\e\er. in
23 : I ')l!ch bulk mailing mistakeS may happ~n. \\ ho knows that better than Countl) \\ ide. Special
2~ !I regu!atlOl"ls \\<.:rc \\ ritkn to protect the public from their rmlllmgs. fa'\in~! de
)" i i !) CtIP~ wg ~w.::h iegulatiolls, based un ClHtlltr) wide's cmnmunic<ltiolls m;lI1uals, I c;pd1cd
~() ~: ~)Ilt ~he c!as.;cs nf persons I ;1m emailing to. I think aJl with gOl~d reason anchored in public
nolin. I :1bo provitkd a d~:ar r~ay conta~t
")"i
.:.. I
f' "
to me to remove a name horn rhe list of
~8 :! recjpl~lits
FlU-"iG fOR HIE Pi, RPOSE OF nPI'o-.:nH), TO \()"i P\RT)
365 / 745 ('"nOlAn: !)I5Ql.\.L1FlC.\TJO'L~)FfHE COL" TR\\\ mE lLLECllT\I.\ n
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
8) !n all this time. unly one person asked to be remO\ed from (he list. That person is on the
., Board of Directors of Bet Tzedck. ,-\s such. I am not sure if her request is kgitimate,
~
.) ('(1uld she request not to get the Annual Rt'poI1 as \"ell? It means abdication,
.~ 9) l w01h.kr \'.hat would be the objection to the CUITent circulation by CI..HIH!)\\ide. Obviously
5 \\hal they really '''elllt is to gag me, But let's hear what the specific objl'ctions ,ire under the
12 TO their !lniqllc positions 1.S Chair oflhe Internal ,\udit Committee. and Chid Legal Counsel.
13 they must allow communications of ceItain kinds to tlov. freely ro them. Such position IS
1--1- ba~t:d on my u!1tkrstanding of Sarbanes Oxley. SEC regulations. and Banking Regulations.
15 11) In fact. the case described by ;\tt Boock \\/ith a \\oman named :\atalic. \"as I believe a
16 few months ago when I tried to contact the "/fot Line" that countrywide pretends to operate
17 for people to rcpol1 fraud. That Hotline appears to me as all attempt to create the fa~ade of
18 compliance. But in fact. it was almost impossible to comey to \lr Samuels and \1r \10zilo
19 my belief regarding \vide spread fraud in Countrywide San Rafael. Building such il system is
20 of cour"e perieet for dcniability. but hears no semblance to the intentions of the framers of
21 lhose law,;,
.,., ! i l.~ I Durin\! thl:' \;\:-t half \ ear 1 reponed many till1CS to"-.tt nonl..k my (on\:ems. I .:\IS\1
23 !I.:'\pli(itly l,;k\.·j him \\hdher he perfonncd his duties per Sarh::Hk:i (hley. q:C regulations.
2l [! JIll.! !3anh.ing Re~lllatinns hefore the end uf the qll.:ll1er it \\a;" I,b\ inilS ti'nm hI'; n:sponscs
~5 that he did 'lut.
.26 l·t) ! :lIsa !1(:\(T;~m dlly repolt of any inwstigation in my multiple ~lubpo~nas
1~
J 5) \. !Of\,' mI.'!,. i\ hell ! a.;kcd about :-iuch reporis. [ \\as infonllcJ that I '\.-IS rlsking about
,~3 dl\(liil1~nb that' lid net c'\i;,ts.
-""' to state that they led all investigation that showed that my allegation \\cre with,)ut melit.
...
~
- I
17) Similarl\. 11\)\\ kno\v that there \\as an investi\1ation hv the Office of Thrift
~ ,
5 18) Throu~h email I recently managed to ascer1ain that my messages went through to \lozilo
() and Samuels.. \nd that is \\hat they C3nnot forgi\c. Let's see no\\ hO\\ they report it.
7 -t) THE LEGAL DEPART"E~T IN COt~TRYE"IDE
8 I9) I truly believe that the fraud in San Rafael \'vas on a very wide scale, which no doubt.
9 given 1hat it was kd by the manager. amounted to a material dejidency.
10 10) Therefore. since my lirst communications \\ ilh the legal depat1ment in December :2006.
\\ it \\as ckar to me that they are basically t0cuscd on coYeTing up,
1.2 :21) I als,) bclie"e. in paI1 based on the '.\nrds of \laria \kLaurin. that she and the Legal
13 Department tt'1gether prepared the first production in response TO my subpoena through .\.tt
14 Cummings in ,\ug 2006.
1.5 22) From October 2005 to December 2006 I \vas entirely unil1\ohed in this IitigatlOn. and
IS events took place. that now show in full volume. Both the Legal Depat1ment and Att
/9 Cummings \\crt most likely compromised at that time one \\3Y or another.
10 2·n The Legal Department had to make a decision - were they going to cover up. or vvere
,21 the\""' !.!.oilH!
~-' '- . -
to rcnnrt \!aria \lcLaurill, Samaan's loan tIle. :.Kcordil1\1 to Diane FrClzier. was
))
one ·A th(' Inl,lst blatzmt nnes. with double stamps. resettmg the <locks for Re~tllation 8,
n ,\ pplicatinn ~lLhI11i)sions lhat '\ere just -;hdls. <.il1d hl:11am "ill/ations of Lnan Pregram Rules.
2~ 25) But hl.'~u!ld tiut \\a~ the underlying ~trug.g1e . \13ria n:fu~r:d to accept the ;tuthority of
l'lldl:!\\ n Ii ng.
~~
~.)
26 2h) \r.oro\ '11 (If ul1\\OI1!lv l'.ovcrnment -backed loans caus~d no !.1crcei\ able dama!!e. and
t \ p __ I "-
'Ii
.;. I \\<1:5 if! h,:t tolerated. ,'l" e\l'Il encouraged through the bonus syst~m.
28
].2 II ( J()03).
13 i! 30) Samaan and \, Ie Laurin were repeatedly instmcted to haw Samaan submit such
Il II application. but refused_
15 II ~ \) Any attempt to fund Samaan's applications absent a \alid 1003. would be in dear
! 6 iI violation of Regulation IJ and various other State and Federal Fair Housin~ and Fair
17 I! ('redit 1.aw.\-.
,]0 !! .~9) In reccnt weeks I \Vas trying to summarize diagrammatically the' arious fabrication
21 i I KcshJ\ <Jrli introduced in the various stat!c of this liti!.!.<Hion.
'-
\....-"
)) !I ~Ol By nmv. there is no \\3Y to put them all t~)gethcr in :-my (Oll,i:-.tcnt and c~lherent \vay .
.23 :I They v.ere all 'i~\l utltlJ1S l~)r kmporarylogical prnblcms in the 'itory_
2·t li.\ 1) But by flU'.\. after multiple runs. it is -:ntirdy illCl)llisknt.
2S ~i ~2) It \\as c"H,tly fnr that PII!lJOSC. Thilt I insisted ,1gain~~t rheopmiol1 ()f multiple attonmey.s.
.Y> Ii on runr~j!lg ih..: .Ifotion to E\'pUltKe fJ\' Pcm!em'.
lS
flU'.G FOR THf rlRPOW OF OPPOSIT10,\ TO ,\0-'; P\Rl\
368 / 745 nnU:DlHE DlSQL .\L1FIC\ rro'\B.f THE COL 'dR) \\ IDE ILLEGITL\I\TF
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
.H) [3ut by 110\'v. it is otniollsJ) high on his (lgenda in the scheduling shenanigans to remove
')
that hearing from the \'vay to Summary Judgment.
..,
-' 35) T'his definitely \\ill justit): special effects, either by Kt.:'sha\arzi. or by the Honorable
-+ Judge. nr bnth.
5 I "AS REPL\TEOL \' n.\~OIc.\PPED BY CO\lPRO'IISEO COl~SELS
6 ,()) I ast Frida\'. soon after the short hl'arinQ in cour1. I hilt'\\
j '" .....
[!l;l(.l to let \Ir Green eo. It \\as
i...-
7 pathetic. In:l hours or S~) of representation. he clearly sho\\·ed that he \\as compromised.
8 37) [3ut I did not have the proof until I opened the \lvtion by C ouuntr~ wide and read on
9 page 4 that the stipulation \\as smllcho\v his idea.
10 1138) \11' Cummings was compromIsed in a major way. \\'hen [ confronted him after short
1I reading \)1' the disco\.cry \\. ith some questions, he tried to convince me that I did not
12 understand 1,\ hat I \\as reading.
13 39) Indeed there \\as some good chance of that since I had no background in banking real
u -.:stak !;m. 'lIlden\l'iting, and all the rest.
15 ·~o) .\ f~\\ hours With the statf of the CalifoIl113 Real Estate Depmimcnt Convinced me that
/6 I \\as on solid footing, and \Ir Cummings was indeed sen ing some other masters.
17 ·f I) I scned IWl1 a list uf questions by email, such as: the Jepusition of Samaan, \-vithont
18 asking a >ingle question about the Preqllalitication Letter, or for that matter -- the Loan
19 Application 1003.
?O t?) The next lime I came 10 his office to read materials. he started ydling: ')'ou will nel'cr
:21 :i.:!cf a penn\, ouf olme" But I never threatened 10 su-.: him.
I' - .
)) 'I-l-~\ H.: offered me a '525.000 \\ai\cr, \)n condition that 11c::\\c .\";-\P
I
n ! I-~·~) [ater t'll he \.:ng,tged ill '!c(cit ~)f Ihe Cl1U1t in misrepresenting these facts.
2l :il5i [ apprc',lched the \mly Ii\ in~ \ larquee partner \)f Sui !i\<lf] Workm,iIl and Dee - \lr
25 i\ \\ i'l'hman. cmd \\c had a l1i:.:e breakf[lst discussing Fmilll'nt Domains ;lIld lllher cOlhtitutiol1al
~() :I i.~-)tll':' \t til;: ..:nJ he stated that he . ;upported my position that CUmmllH!S O\\CS me ckar
~27 I: ,1Ih\\efS t.\plaining his . . ondHct rdati\e to my rcprcc;entJtlCl1
2x ;:;'6; ] ;·lc'.'5l('(ei\(~d -;uch ;ltb\\ers
Hm HIE Pt RPO'iE OF
FlUV~ l)Pi'O'-1 no'\ TO '\0:\ P\R n
369 / 745 i \l\l EDL\TE OlSQl.\L\ Fle\1I0'!. tft.f THE COL\ TRY\\ IOE ILLEGlTnl\H
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
I,
!
I
I ~ 7) rhl'rt.: are ll1Jt so many guesses \\ ho could be behind the ~ompromise of Cummings.
I
~ l-l8) I was slh1cked and amazed when it turned out the .\tt BrO\\tl was also compromised.
3 IN) I t \\as "imiJar to the situation \\ith \11' (Jreen. I negotiated (Ill and otT for sc\cral days.
I
-t \ \\arned them about my concerns that my attomey s may be compromised. I explained
::; my (\.mcerns regarding Kesha\ (l1'zi. I c'\.pJained that I demanded copies of all email
fl <:nmmIHlicatioJls. and minimizatillll of phone calls.
7 :i 50) When I got SUSpiCIOUS with Att BfO\\11 and left. he sent me a bill. In it there were
8 ii multiple days \\ ith email communications to Kesha\ arzi charged to me. I requested
9 !I copies pf slIch. He refused and claimed they were not substantive. and he had destroyed
10 II them. I insisted that both he and I realize that copies exist \.)fl his mail sener (he spent
I \ \I ) ears in the Federal Prosecutors office. and that is why { \\ as so disappointed). He still
I ~ II refus..:d to provide copies. [tried to ::;en e a subpoena. but obviollsly !<.;;"ha\ arzi wamcd
JJ i I him. \ I)" ~er\ice people were stopped by the security guards in BrO\\n's otfice. This is
16 11.\llhough I am not operating for profit. and I by no means can compare myself to
.26 ST.\. TfSTIC\L E\ 1OE:\CE ..\ LO' E,\PPE\R '\0'\ RA'\ 00'1 1'\ :\'XrTH.E.
:'7 II 10) FMlicr dns \,.:ar t commissioned 1 n:p(111 fnml th~ offIce of \e\ille Johnson. I c"pccted
.:8 :i :~n!11c '2wdJ!1CC (111 ,,\ hat dircctidl 10 take the case in.
\ I \1I .~ttornevs:
1.3 = what are the od,N o(iJJ1 ex parte slIr rep(r in il cil'i1 case motion?
'.-1- Ii = willi! are the odds (~r an ex plir!e sur rep(r in a ch'iI Clise mOTioll, where tlJejlllJge allows
16 II = what are lite odds allln ex parte ""ur rep(v in a ddt Clise motion, H.'here the judge allows
17 !! a whole new hody of evidence, mo,\·t oflvhiclt l"''fraud?
\8 II The odds here. each on its O\\n. are very smalL a few percent at most. But it is the sequential
19 !! nature that makes them intinitesimally probably. or in other words. impossible to explain as
]0 i I neutral erTors in adjudication. and require introduction of the hypothesis of a bias.
21 !I 15) We ..:an :lpply the same tL1 c\ents surrounding Countrywide""" Jlo(ion, . . .t ill underway.
"17 :' :lnd I '}H\ qUll<.: positive the statistics would be ilnpressi\c.
_13 I! ]h) E\,_'nts ,;urlounding the dis..:rcpancy bcfl.·\ocel1 the J);.. .'('()\·err Cut O!(J)afe alld fdal Date
~~·I I! t~lll into rhc :-,aIlle (:1te~orJ'
:~5 :1 \ i) 1'11.; issue \\llh disl'O\I~ry \vas ckar to ille since December 200(). You may r-:call that J
26 ': imrnedJatel) filed;:l motion for DiscOt'crr Re(eree. \,hidl \\8S ulloppos..-:d. but rcjected.
-;'7 II 1;3 I (("'lTlsc! t~;r Pl;limiff is t~lcil1g J major dulleng~. II\: h~lS to deli\er a \\ ill. but with
8 then file to deem lldmi"·,,.hm.'· admitted Frankly, I could have been perfect. I was amazed
9 that it faikd. \fay he it was too close to the appeal on the Oisc(}l·er.y Cut (Hf Date..
10 22) In any e\ ent I think \\e have gone long enough that it is time to tile a chalknge based on
\\ CCP '70.3:
1.2 the law says:
JJ (1) If a judge who should disqualify himsl'lf or herself ,'efuses or fails to do so, any party may Jill"
with the clerk a written "erifted statement objecting to the hearing or trial before the .judge and
l-l jetting forth the facts constituting the grounds for disqualification of lhe judge. The stiltement
~hall be presented at the earliest practicable opportunity after discovery of the facts
15 (flllstituting the ground for disqualification. Copies of the statement shall be served on each
party or his or her attorney who has appeared and shall be personally served on the judge
16 alleged to be disqualified, or on his or her clerk, provided that the judge is present in the
.:ourthouse or in chambers.
17 /2) \\ithout conceding his or her disqualification, a judge whose impartiality has been
challenged by the liling of a written statement may request any other judge agreed upon by the
18
parties to sit and act in his or her place.
19 (3) \\ithin to days after the filing or service, whichever is later, the jlJd~e may file a consent to
disqualification in which case the judge shaH notify the pre<;iding judge or the person
~o authorized to appoint a replacement of his or her recusal as provided in subdivision (a), or the
judge may file a written verified answer admitting or denying:my or all of the allegations
21 contained in the pal"ty's :-,tatement and sdtin~ forth any additional bets material or relevant to
the question of disqualification. The clerk shall fOl"tl1\"ith transmit a cop" of the judge's answer
) ")
to ,·:\(:h party or his 01' her attorney who has appeared in the action.
... .., \4) \ judge ,.. ho fails to liIe a consent or answer within the time allowed ,hall he deemed to
..::~)
h;n e consented to his or her disqualification and the clerk ~haJl notify the presiding judge or
penon Huthorized to .'ppoi,,! a r<"placement oflhe recus,ll :lS pro\ided in ::uhdi,i"ion (a),
_~ -1-
;51.\ jmt~e ,.. 110 refuses to rcruse himsdfor her<;elfshall not rnss II\1nn his or her 0\\"
25
disqualilication or upon Ihe sufficiency in law, fact. 1)1' othen.. ise, of the ~tatement of
.'.6 disqualification Gled by a party. In that case. the question of di~qtlalificatio!l,hallt>e heard and
ddenni,wd h~" :mother judge !H!rt'fd IIpon by :111 the parties who ha' e nrpeared or, in the event
,7 they are Im:lble to agree within fin navs of notification of the judge's l11swer. by ,1 judge
.- ,
cdccted hv the chairper'Son of the Judicial Council, or jf the chairperson is unable to .let, the
~s .. in: I'hairp(·p;on. The clerk :-hall notify the t:'wclIli,"e td'ticer of the Judiei;ll COLlllcil of the need
,
.... (6) The judge deciding the question of dis4ualification llJay decide the question on the basis of
the statement of disqualification and answer and an~' written arguments as the judge requests •
.\. or the judge ma\' set the matter fl)r hearing as promptly as pr:lcticable. If a hearing is ordered.
lhe judge shall permit the par·ties and the judge a}/el,!ed to be disqualified to argue the question
5 of disqualification and shall for good cause shown hear evidence on any disputed issue of fact. If
() the judge deciding the question of disqualification dl'termillt's ~hat the judge is disqualified. the
judge hearing the question shall notify the presiding judge or the person having authority to
7I appoint a replacement of the disqualified judge as provided in subdi, isinn (a).
(d) The determination of the question of the disqualification of a judge is not an appc}lIahle
8 ordl'r and may be re\iewed only by a writ of mandate from the appropriate court of appeal
sought only by the pal1:ies to the proceeding. The petition for the writ shall be filed and served
9 ,,,ithin 10 days after sen-ice of written notice of entry of the court's order determining the
question of disqualification. If the noticc of cntry is sen-ed by mail, that time shaH be extended
II) as pro" ided in subdivision (~ll of Section 1013.
15
23) :\s mentioned above. I have no knov.ledge of specifics. but I believe that the statistical
16
~naly sis of snme of this instances. paniucalr\y where there \\cre sequences close in time.
17
such :l::' \\ ith thi~ motion for a Protective Order. the L:vidcnce wnuld be of the kind that must
18
he deemed meeting the requirements of
19
(6) (iii).\ person aware of the facts might reasonably entertain a doubt that the judge
:?o
would he 11hle to he impartial.
21
2ft rin:liJ)'. I \\~)llid like: to gi\~ special credit 10 \Ir Samuels ~Lnd the upl:ollling "Justice
) L'
_~.1
!:i Hall" for h1lJ~..'.illu
! -" -
mt: into this p\}illt. in more \-\a\s than one,
-
2-") lhc: nicc'st :md most positi\\:: one is then I \'\:13 reading 1m the cUl1trihutlim \)f Jc:\\ish jllfist
.?!
(0 :a\\ in \mcneil. :lnd '.vas stunned to tind om that the biggest -..:ontibulidn uf Br:mdies \\as
)'-\
in the Hr:wdics Hrief \\ hieh '.\as the first that inft'mned the Supreme Cnmt I'll clll opinion.
-. (: I
•• J
;0 -, j
ihrutdl
'-
~~t:lti,)ticaJ c\idcnt.:e Jnd f1rUlllllcnh.
.....
- I .
~g
5 I d~c1are under penalty of perjury under the laws of the United States that
6 the foregoing is tme and CUITccL
7 E-:,{~clltcd 011 JuJv I ~_ 200 7. in Be\crl\ Hills.
8
~.s~ _
9 --./.....1- -
--- - - - - f . - - - - - -
10 Joseph Zernik
\\
12
1.1
Il
15
!6
17
\8
19
20
J!
_I
1:
.!3
.2l
25
26
")'"7
.::. I
'28
r. JO:3-EPH ZE.RNIK
320 SDUTH. PECK
BEVERLY ¥JLLS C A 9Q2 12
DR1\E
F ttl I~: 0
\ \;1, ;11 i'",,1 1'1 R I' lP COl R \'
! I" ':
1r,n')<~~n;: )1(j:35~lOi . ~M>.C(Cp<.?.. ~ 8019980911
I, ','.', ,'r"'~'-' ~.,-.~ JZ t 2 ,45i~edrt~ll!lk net
..TICI' .ii· F~' ',,~.. JO:.:;::i'H ZERNIK
'I 1 \ I\(j/
CASE i'lN.1E,
n',E COvRi AND ALL PARTIES ARE NOTIFIED THAT (.~"m,,). JOSEPH ZER"lIK mekeslh& follcwil'lgl lo,h&ti11,iti.:Jn
, Formerlf!oal rell...l:eIltliti-Je Party represen'Jld $l}1f 0 Atl:cm&y <nllmeiG RICHARD 0 GREE:'-:
2, New If/gal repre:seRtalive lL.J Pllrty;S ....presflm!",a ....1,. Altcrney 0
li. N.ame' JOSEPH ZERNIK b, State Bar No, (d l1pplic~bI.)'
c. AddA>"" (nurnber. s/ff>er. city, ZiP, BtKi "a" form ,"sm", ," .~p'i;.e!.;.
If yoU ~r. ;l.pplylne as on .. rrfth"'p.a~5 on this li~t, .''.10 may NO, a~l as yoU" own ;It!.nrneyln mostcllSes. Use this form
to 5UtlStll\lb: onll atlDmeyfor ano!tler attorney. SEE K LEGAL ADVICE BEFORE APPLYING TO REPRESEN, YOURSELf.
.:
JQSErH
I c.o"l'Cn! to this "ubs!iWlion.
Dat~ JlLY 8. 2007
ZEfu.~IK ~
~~~£~
r'~e ::l'l r;;;:JT :'I.IIil:\ iSl3~Ac~e.J~ P~rvi
~/~
5,0-1conse-nt!c ~i& S'..Ibstit..dion.
o~~' Jt;LY ~ 2007
(J RICHARD GREEN
(T'Pf CR ;><;,1<. '''\'l!\ (~GU~I.JR~ ':;1J: ::of\'''ER "-;-:-O-:NE'-1
~ re~rs~
SUBSTITUTION OF ATTORNEY-CML
•
for pr<::oro' servlca by maS)
.~LPE C& ·tE~·.·~TT~~'·i' ~
"""'I(lI~
~-:<::#-;f('-'r,1 F'r..~:rj.~ ~!~e~:~ :-~~.
375 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Joseph Zernik
11/ Pro Per
.2 320 S. Peck Avenue
~
Beverly Hills. Cali l(Jrnia 90212
-)
Tel: (310)-.+35-')\07
Fax: (ROJ) 998-0917
4
:; PROOF OF SERVICE
ST.\TE OF CALlFOR:'JIA
6
COCNTY OF LOS A~GELES
~)
7
1 am ~mpIO\~d in the Los An~eks County, State of California, 1 am (~cr the alle of
8
18 years and not a "party to the action: my business address is: 1)-], _ 5- if [j J2vt\{( Sf f:1V!S
9 .. [c ') ~'\{,J(' If' s, t>t C( C<J I z-
10
On July il-, 2007, r served the foregoing document described as:
SUBSTITUTION OF ATTORNEY- CIVIL
11 This document was scrvcd on the interested party or parti~s in this action bv placing a
true coPY thereof in the firm's mail. enclosed in a scaled envelope. and addressed as noted In
12 the attacned mailing list.
13 (>(l 8Y:'vIAIL: I am familiar with processing correspondence fDr mailing. {'nder that
practice it i,s deposited \\ it~ the .U "~' p(?st?' Service. on that same ~ay \yith postage thereon
14 fullv prepaId at Beverlv 1-1 tI Is. California In the ordinary course ot bUSiness. I am aware that
on itlOtion of the pa.rty"served. service is presumed invalid if the p'ostal c!1n~e1lati~)~ da.te or.
15 postage .meter date IS more than one \vorklng day after the date of depOSit for mailing In thiS
declaration.
16
[ 1VIA fACSIMilE: I caused all of the pages of the ahove entitled document to he sent
\7 to the recipients noted above via e kctron ic transfer ( FAX ) at the facsim ik number as noted
in the attached mailin¥ list This document \'vas transmitted bv facsimile and transmission
18 repol1ed complete witnout error. .
376 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
I
J \1AILI~G LIST
4
CASE NAME Samaan v Zemik
5 COl'RT LAse \Vest District. Santa Monica
(';\SE 1\0. SC 087400
6
19
20
21
II
I'
--'
24
25
26
n
28
Pl\i\ 11' () (~"H.:n iet::
Slr~STlTl'IF (,IT'\' TO /1:R'\'IK
- '- Ll'c \;" SlIJX/..IIJ(J
377 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
, .
~;1l1torll~l '('\'~tatl' 1>1 ar "...... 0. 1')~'J'J())
--J , 1Jti' (> _
7
[enna '\[olda\\·h (C\ ~tarc Bar No, 2-l-G1()())
12U Broadway, Suire )()()
ciY . C'~\"i)
..
\",-"
~ -
~'.~--
O[',"ury
Santa .\lonicl, California \)(J4() 1-2380
8 Telephone: (3lO) S""0-2l()()
l'ac~imilc: (31ll) 5:'()-22()()
9
II
<0
co SLiPI':RIOR CO(:RT ()Io' THE ~T\TE Or: C\JJH)RNL\
O'l
N
12
00 Hm. '1'1 II,: COl.'.'\:TY CW LOS\\;CFLFS, \'\'EST DISTRICT
o <t
O'lO
0.. w (ll 13
J
J
I-
:i 2
< "l I\' II·: S. \ .\ L\. \ N, l't aI., ) Case'l\:o.: SUlK:' -l-U()
w 11l II: 14
> . 0 )
< >- tL
U ~ :::i Plaintiffs, ) Hon. Jacllucllne .\. Connor
z c < 15
< < U
>- 0 •
II: II: <
)
III III ':! \'s. ) File Date: (ktoher 25, 2()()S
o Z 16
-
N 0
~ ) Trial Date: September "7, 2()():
<
I-
Z
17 I( )SI'~PH /Y.R,,\;IK, et aI., )
<
11l ) NOTICE ()F .\10TIO~ .\1'.'D ~[OTION
18
Defendant~. ) rOR"\ PROTECTIVE ORDER;
19 ) ~IE'\10R_\NDC'\1 OF POIi\TS .\;'\iD
) .\UTHORITIES; DECL\R.\TION 01;
20 ) TODD .\. BOOCK; DECL\R_\TION Ol-'
) .[OH.'-: W .. \\1BERC; IPROPOSFDj
21
) ORDER THERFON
22
Date: ruly 2.\ 2()()-
23 Time: H:)!) a.m.
Dept: \'\'1-':1
24 - - - - - - - ..- - - - - - - - - - - - - - - -..
2S
26
27
28 II
()-t;] -" -
378 / 745
Court File: "Volume IV Continued" .\IOr!C)'\J FOR .\ PROTFCTI\T ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
TABLE OF CONTENTS
,-
...,
.J
l. I'\.;"1'RC)1) L' Cl '1 () ~ "" ,." .. " ,.,. "" " .. ""." " " " "" " ..
4
II. l··.\(~·I·l'.\J" B.\(:KC;ROL·:'\JD S
5
.\. /ernik's Communications with Represented Countrywide Emplo~Tes.. "."" ...... ". S
6
B. /ernik's Communications with Personal"\ssociates of Countrnvide
7 [ ~mpl( lyees " """ .. " " " "." " " " ". "" .. " 7
21
22
23
24
,-
-)
26
27
28
II (,~ ~ 1- ~ - _1_
379 / 745
Court File: "Volume IV Continued" \IOTTO:\ rem.\ PROTECTT\T ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
TABLE OF AUTHORITIES
1 Pag
-,
J
Cases
4 hlnthill Properties ". J"on / Copky Corona \ssociates,
-t(l ( :al. \ pp. -tth 15-t.2 (.2001) 11
5
hdkr Y. ~uperior Court,
6 x~ Cal.\pp. -hh .209 (.2(lOI) 10
<ll
11 Ryan ". Superior Court,
(0
(I') IHG Cal. .\pp. 2d H13 (1%0) 10
\" 12
00
o <f ToshIba .\mcrica Electronic Components, Inc. Y. Superior Court,
(I') 0
III Ol 13 12-l- (:al.\pp. -tth -(j.2 (.2004) 10
Il.
.J I-
__ «
.J ::l z
III (J)
> • 0
a: 14 Statutes
« >- LL
« -
U ::: .J
z c « Cal. Code Ci,'. Proc. § .203 1. O(jO(b) 10. 11
« « U 15
>- 0 •
a: a: «
lD lD ~
o Z 16
- ..
N
~
0
I- 17
Z
«
(J)
18
19
20
21
11
j"
~J
24
25
26
27
28
(,~', 1-1 ~ 11
380 / 745
Court File: "Volume IV Continued" \fOTIO,\: FOR .\ PROTECTIYE ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
TO .\J.L P\RT1E~\:'\D THFIR .\'[TOR:'\EY~ 01; RLCORD:
I
- PLF.\~F '1'.\[":.1': :,\OT1CE that on Jllly 2.1, .:WIl- at ~:3() a.m., or a:-; :-;oon thereafter as
..") the matter may be heard, in Department \'('E1 of the Los\ngeles ~uperior Court, \'('est
~ Di:-;trict, located at t e 2'=; \[ain ~treet, ~anta ~donica, California l)() ..W l, Countr:-\\'ide Home
5 J,oans, Inc. ("Collntt\\\'ide") \\·ill and hereby docs moye for a protectin order directing
7 legal counsel regarding this action, and not with the compam'\ represented officers and
8 empl( l\Te:-;. (:ountrnvide preyiou:-;Iy sought this :-;ame narrowly-tailored relief by ex parte
9 application on July CJ, 2()()-, and \va:-; directed bv the Court to file a noticed motion.
(l)
11 campaign of harassment against Countrywide and its officers and employees, and shows no
al
(Yl
':'I 12 signs of stopping. Despite numerous requests by Countrywide that he not contact its
00
o 0:
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o('\I 0z 16 motion before the Court, Coumrywide proposed a stipulation on July 6 under which Zernik
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17 would yoluntarily agree to the same limited rerms as Count0,v'ide had sought in its e.\." parte
'"
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18 application - namely, that I:ernik would not communicate directly with represented officers
19 and emp]oyee:-; and would direct any communications to Countr:-,vide's designared counseL
.20 H()\VTVTr, the stipulation was ignored, and within 4R hours, Zernik had sent new emails
21 directly to C:ountr:-'wide\ officers, \vith copies to others in the local business community.
22 '1'hi:-; \lotion is brought pursuant to Code of Civ'il Procedure sections 2()23.01O and
7"
~-' .21l') 1.( J(l() on the grounds thar good cau:-;e exists for the issuance of a protecriv"e order
24 becall:-;e /ernik: (1:; has repeatedh' communicated with represented Count0\\'ide employee:-;
.25 about rhe :-;ubject matter of this litigation; (2) has refused to communicate solely with counsel
.26 for COUI1t0\\'ide, despite Count0wide's repeated requests; and (3) has made offcnsiYe,
27 unfounded, and libclou~ statements about Countrywide's business practices and procedures
28 to busines~ and personal associates of Count0"wide's officers and employees during the
(l~)1-_).7 7
381 / 745
Court File: "Volume IV Continued" ;\lOTIO:\ FOR"\ PROTECTI\'E ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
discO\'en' process. Count0\\'ide responded in good bith to all four of !'ernik's third-party
1 SubpOt.'l1'.1S for documents, and has stri"ed to maintain a professional "'orking relationship
4- persons other than Countrywide's counsel has made this extremely difficult. Thus, !'ernik
6 Countrnvide appeared ex parte on this matter on .I uk 6, and, per court order, now
7 reguests a protecti"e order "ia noticed motion. This ~lotion will be based on the Notice of
8 \lotion and \Iotion, the .\lemorandum of Points and .\uthorities and the Declarations of
9 Todd .\. Boock and John \\'..\mberg attached hereto, the \proposed I Order lodged
10 herewith, the file and record in this action, and such other and further oral and/ or
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11 documentan' C\'idence as may be presented at the hearing on this \Iotion.
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382 / 745
(,.j) I ~',- 3
Court File: "Volume IV Continued" \10'1'10\) FOR.\ PROTECTI\'E ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
MEi\lOR/\NDI '\1 OF POINTS AND AUTHORITIES
.,
- L Introduction
3 Countrywide Home] JXlnS, Inc. ("CountrY\vide") is not a party to this L1\\'suit, but
~ (:ountr} wide and its officers and emplm"ees arc the targets of a campaign of harassment by
5 Defendant Joseph !'ernik ("!'ernik"). Countrywide respectfully requests that the Court issue
6 the carefulh"-tailorcd and limited protcctiYC order lodged here\vith, which directs Zernik to
7 communicate solely with Count0\vide's designated legal counsel regarding this litigation, and
9 Through its in-house counsel, Todd .\. Boock, Count~\vide repeatedly requested
10 !'ernik to communicate solely with its designated legal counsel. It has been forced to write
III
11 two cease and desist letters because Zernik has not honored these requests" Countr)wide
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17 dispute, Count~"wide had no alternative but to file this i\lotion for Protective Order.
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18 !'ernik attempts to justify his harassing emails by making several contradictory and
19 unsupported claims. First, he claims that Countr}'\vidc did not comply \vith his discovery
20 requests. Hmveycr, if !'ernik believed that Count0"\vide had not fully complied, he could
21 haH filed a motion to compel, but neHr did so. Second, he claims he is not seeking
23 disc()\Trv cost-benefit analysis; moreonr, the argument is frin)lous since ,\ngelo \Iozilo,
24 CC)1.lI1try\\"ide's Chairman and Chief !':xecutin: Officer, and Sandor Samuels, Count0'wide's
25 Chief J.egal Officer, the officers whom !'crnik has bombarded with threatening emails,
26 letters and phone caUs, ha\"c had no contact \\"hatsoenr with this casc and no personal
28 attesting to "facts" that the compan}- disputes, but Count0\vide has no obligation to proyide
383 / 745
(d~)-;."" -l-
Court File: "Volume IV Continued" \IOTlON FOR A. PROTECTlYE ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
a false declara tion.
3 II Countr:'wide'~ repeated rellue~t~ and two cea~e and de~i~t letter~. Indeed, as /'ernik'~Ju"- 4
5 II haras~ment has escalated since Counrnwide has sent it~ fir~t cease and desi~t letter and
6 II notified him of its intention to seek a protectin:- order. Therefore, for good ClUse shown,
7 II Countrywide re~pectfulh' reque~ts the Court to issue the narrow-drawn protecti\'e order
8 II lodged herewith, which would direct Zernik to communicate solely with Countr:,\vide's
9 II designated legal counsel regarding this lawsuit, and not with the company's represented
(l)
II I I. I-actual Background
III
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~ 12 .\. /'ernik'~ Communications with Represented Countr),vide Employees.
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17 should direct all communication to him. Declaration of Todd "\. Boock ("Boock Decl."), '1
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18 2, F'i:.. \. I.ernik replied \'ia email that if ~1~. Garcia supplied her attorney's email address, he
19 would forward communications to her attorney. Boock Oecl., ~ 4, Ex. B. In his email,
20 I.ernik also threatened ~ls. Carcia with "consequences," including her paralegal licen~e and
"
~-'- That same day, 0brch 28, 200', Boock sent /'ernik another email, specifically stating:
,'"
-j "I represent \ls. Carcia, and I again reiterate that any communications to Counrn'wide or its
24 employees should be directed solely to me." Boock Decl., ~ 5, I':x. c. Bowen'r, on '\[arch
y
-) 29, 2()(),"', Zernik left senral \'oiccmails for ~1s. Garcia relating to the litigation. Boock Ded,
26 '10. Lernik sent another letter to Boock on .\larch 29, 2()(F, copying not only .\lariela
27 Carcia, but also ,\ngclo .\!o7ilo, Count0'\vide's Chairman of the Board, and ~anJor Samuels,
28 Countn,\'ide's Chief Legal Officer. Boock Decl., ~ 6, Lx. D. I:ernik also contacted two
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384 / 745
Court File: "Volume IV Continued" ,\lOTION FOR ,\ PROTECTI\T ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
indi\-iduals in the Countrywide customer sen-ice department, :\ athalie (~ucsade and _\kerta
'I lhyliss, and attempted to interrogate them and encourage them to make various admissions
"
.J about CounrDwide's business practices. Boock Dec1., ~ -. In response, Boock sent another
4 email to /'ernik, asking that he refrain from contacting Countrywide employees. Boock
5 Ded, '1 ~, Lx. L .. \round this time, Zernik was leaving daily \'oicemaiIs for :\k Garcia,
6 sometimes seHr:l1 each da\'. !,ernik also left Boock lengthy Hlicemails intimating fraud.
7 Boock Oecl., ~ 9.
9 Prior to late \Iarch or early, \pril, Zernik repeatedly called Diane hazier, a former
10 Countt;.\vide underwriter, about the subject matter of this litigation. Boock Decl.,~ 11l.
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11 II /'ernik informed :\1s. hazier that he had done a background check on her, and told her that
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17 II asking him to communicate solely with Count1)\vide's counsc! regarding all matten; relating
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18 "to this case. Boock Decl., ']11, Ex. f, G and H. On ,\pril 14, :?UO'7, Zemik specifically
2 I II han' become wholly inappropriate and insulting. In his June 15, :?OO-' email, /'ernik attacked
'I, II the \\'aY Boock practices his religion, claiming it was "disgusting," and that he was "appalled"
23 II by the lawyer's request that I.ernik continue an ex parte hearing for one day so that Boock
24 II could ,Htend a PaSSOH'r seder with his family. Boock Dec1., 'j13, Ex. I. Zernik berated
26 II /.ernik's efforts to harass Countr;.\\-ide employees h<1\'c not ceased. On June :?,),
27 II :?ll()-, J:ernik emailed \ngelo :\Iozilo, Chairman and Chief ExecutiH Officer of
(,--I..; 1-~ - 6
385 / 745
Court File: "Volume IV Continued" ~IOTION FOR .\ PROTECTIYE ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
regarding the production of documents. Boock DecL, '114, Ex. J. On June 25, 2()IF, I'.ernik
.,
- em~lilcd Sandor Samuels, CountrY\\'ide's Chief Legal Officer, demanding the same relief.
-,..., Boock Ded, '114, Ex. K. Zernik again contacted :-'107ilo and Samuels regarding this
4 litigation on Iune 29, 2()();. On IulY 4, 2OCP, Zernik sent new emails to Samuels, attaching
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5 purported press releases containing potentially libelous statements about the compam"s
6 business records. Boock Ded, '119, Lx. ~ and O. ;"[ozilo and Samuels ha\'e had no
X Zernik's emails to them sef\'e no legitimate purpose and are purely harassing. In short,
9 Zernik has not refrained from communicating directly \\ith represented Count0\\ide
CD
11 R. L.ernik's Communications with Personal and Business :\ssociates of
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13 Zemik has extended his harassment of Countf\\vide and its oHicers and employees to
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17 renect his lack of any serious purpose and utter disregard for the reputation and dignity of
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18 the persons inn)h'ed.
20 Count0'wide's employees, as well as a rabbi at the employee's synagogue. OnJune 26, 2()()7,
21 Zernik sent an email to Samuels and copied Rabbi Joseph Shusterman, questioning Samuels'
22 commitment to tighting real estate fraud. Boock DecL, ~ 15, r·:x. L. On or around June 27,
23 21)( e. /,ernik left a letter for Countrywide's Chief Legal Officer Sandor Samuels at Bet
24 Tzedek, a charitable organization where Samuels sef\'es as President. Boock DecL, ,r 16.
2S
I I:crnik also impcrmissibh' seeks disco"Cf\ after disc()\'ery is closed. In his email dated June 15,
26
200""', Lernik indicated that disconry in his case had been cut off. Howenr, 7:ernik demanded that
27 Countrywide produce documents on June :20, :2007, after the dlSCo\Tf\' deadline. His continued
pursuit of disco\'et;; after the deadline is thereb\' improper and harassing.
28
386 / 745
(1-+)1~; ~ 7
Court File: "Volume IV Continued" ~[OTIO\i FUR.\ PROTECTIYE ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
\Jditionall\. on or around June 28, 2()() '"7 , I:ernik personally contacted a rabbi at Samuels'
! synagogue, Rabbi Joseph Shusterman, in an attempt to discuss the present action. Boock
., Dec!., ~ 1~. During the unsolicited meeting, it is Country\vide's understanding. that Zernik
-' l l. • l
4 made otlel1sive remarks about Count~\vide's alleged business practices and charged that the
5 company \\"as engaged in fraudulent behavior. hi Zernik again wrote to . \ngelo :\Iozilo and
6 S;lndor Samuels onJune 20, 21Hr'. Boock Decl., '118, k".:\1. He copied RabhiJonathan
7 Bernhard, Rabbi Joseph Shusterman, The Honorable R. \X'illiam Schoettler, and "others in
9 This pattern of harassment continued even after Count-0\vide notified Zernik on.J uly
10 .') of its intention to present an ex purte application for a protective order. In apparent
to
11 retaliation, on the July -I-th holiday, Zernik sent nvo outrageous emails containing potentially
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13 Sandor Samuels. The subject line of the emails states: .\SK S. \N DUR
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17 Fraud." hl The press rc!ease falsely asserts that "the fraud was committed by collusion of
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18 Nivie Samaan and ;\Iaria \IcLaurin, Count~'wide Branch .\I;l11ager. In 200-1- i\IcLaurin and
19 Samaan also colluded in ,\lortgage Fraud attempt and in Wire Fraud." Id. They add that
20 "'\leI ~aurin also probably personally apprm'cd about SO.5 billion per year (!) in grossly
22 im"olnment not only with Bet Tzedek, but also his position with the Ziegler School for
'y.,
.:..-' Rabbinical Studies. Id. The emails refer to the Bet TzedekJustice Ball onJul!" ~8, ~1)(j7, and
24 the charity's commitment to tighting real estate frauo. Id. The emails also admit that I:ernik
25 has approached Rabbi Jonathan Bernhard, Rabbi Joseph Shusterman, and The Honorable R.
26 \'rilliam Schoettler. Id. Zernik sent the alleged press release to at least one member of Bet
28 II On July 6, 2(l()7, Count~\vide sent Zernik's attorney a cease and desist letter,
(J of) 1~ ') - 8
387 / 745
Court File: "Volume IV Continued" \IOTIO~ FOR .\ PROTECTlYE ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
demanding that Zernik refrain from harassing Countrywide employees and their personal
2 .l11d business associates, and stop publishing potentially defamatory statements. Declaration
-+ ,\!so on July 0, counsel for Count0'\vide sent Zernik' s counsel a proposed stipulation,
5 which prm'ided for the same limited relief sought b~' this ~[otion.. \mberg Ded, '1 '\ Ex. S.
6 Under the proposed stipulation, Zernik would simply agree not to communicate with
8 Country,,'ide's designated legal counsel. .Id, Count0'wide sent this stipulation at the request
9 of /crnik's lawYer, and \vith the hope of :lYoiding further law and motion before the Court.
10 .hi Howen~r, /ernik ignored the proposed stipulation, and on July 9, he sent nc\'l emails to
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11 Samuels' business associates on the Bet Tledek Board of Directors, with copies to Samuels,
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17 fraud and wire fraud and of colluding with the plaintiff in this case to defraud Zcrnik. l<l., In
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18 response to this unrelenting harassment, Count0,,"vide was forced to send a second cease and
19 desist letter onJuly 9, 2007, demanding that Zernik's defamation cease immediately. Id.
20 II /ernik's emails are rife \'lith false and outrageous statements, and were orchestrated
21 II h\' him in an attempt to intimidate Countrywide and extort its compliance \vith his discoHry
23 II disputes, \s evidenced by these retaliatory emails, Zernik has no intention of ceasing his
24 II improper harassing beha\'ior. His actions haH only escalated and become more egregious.
25 II} lis beha\ior \vill continue unkss the Court steps in to impose some restraints on /ernik.
28 II In an effort to further harass Countrywide and its employees, /ernik seeks leaH to
(,4,1-'~ ----""'9 _
388 / 745
Court File: "Volume IV Continued" \IOTIO~ FOR .\ PROTECTI\, L ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
file an amended Cross-Complaint to name Countrywide hnancial Corpornion and
')
- Countr\\vidc emplO\Tes \faria \fcLaurin, .\ngdo \Iozilo and Sandor Samuels as defendants.
-'" Boock Dec!., ~ 21 ..\pp,u-ently dissatisfied with c.:ountr\\\ide's proper discm-cry responses,
4 Zernik is apparently utilizing the threat of the Cross-Compbint as le\'erage to obtain further
5 disconry and to compel it to sign a declaration containing unsupported facts that it disputes.
6 I:ernik's amended Cross-Complaint alleges no factual basis for imposing any liability on
7 Count0'wide or its employees. I:ernik\ motion is set for hearing on .\ugust 9, less than ]()
9 lIT. The Court Has Broad .\uthority to Grant ~\ Protecti\"e Order to Regulate Discm'ery
1O
11 "\1anagement of discOYC0' lies within the sound discretion of the trial court."
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~ 12 Toshiha .\merica I':lectronic c.:omponents, Inc. v. Superior Court, 124 Cal. .\pp. 4th 762, 767
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13 (2( )()4). "\\'here there is a basis for the trial court's ruling and it is supponed by the evidence,
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0 14 a revie\\'ing court \\ill nut substitute its opinion for that of the trial court." Id. at 767-768.
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15 hmher, "in all discm'e0' proceedings, a broad discretion is \Tsted in the trial court in
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16 granting or refusing to grant an order directed at discm"ery and whate\'er order the trial court
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17 may make may not be disturbed in the absence of an abuse of discretion." Ryan \'. Superior
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18 Court, 18() Cal. "\ pp. 2d 813, 817 (19GO); R.S. Creative, Inc. \". Creative Cotton, Ltd., "75 Cal.
19 \pp. 4th -I-W), -1-96 (1999) (with regard to discovery, courts ha\'c "broad discretion subject to
20 reycrsai unly for arbitra0', capricious, or \\'himsical action"); Fuller \". Superior Court, 87 Cal.
21 .\pp. 4th 299, ]0-1- (2()01) ("a trial court's ruling will be sustained on revic\v unless it falls
;" The trial court has broad authority to grant protectin' orders. California Code of
--'
24 Ci\ il Procedure Section 2()] 1.0GO provides that for good cause shown, the Court "may make
25 any order that justice reljuircs to protect any part or orher natural person or organization
27 ~ 2m 1.1 l60(b) (emphasis added). Through a protecti\"e order, courts haye the power to
2R regulate disCCJ\"t0' practices and procedures, including specifying the terms and conditions by
l,tW; - 10
389 / 745
Court File: "Volume IV Continued" .\IUTIO~ fOR _\ PROTECTIYE ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
which di:;cO\Tr~' will be carried out. Cal. (ode Civ. Proc. § 2().) 1.()()()(b). Courts routinely
:2 grant protectin order:; in order to control the means and manner of disco\Tn' and pn.'\·ent
"j abuses of the discmTry proces:;. "The 'good cause standard' enables the trial court to
4 distinguish between proper use of discoYery and mi:;u:;e of di:;co\Try and to treat each in the
5 appropriate manner." CT, Inc. ". The Superior Court of Santa Cruz, 151 Cal. .\pp. 3d
6 . . , -H~,-:' 55 (l \)~41 (upholding protectiYC order which limited the disclosure of documents to
7 counsel only e,'en though the documents pertained to the merits of the claim); Harris v.
8 ~uperior Court, 3 Cal. .\pp. 4th 6(>1, 668 (1992); Fonthill Properties Y. Lyon! Copley Corona
10 I-lere, good cause exists for the Court to grant a protective order. Throughout the
10
11 discO\Tn' process, Zernik directly contacted, harassed and hassled Countrywide employees
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13 Countrywide's in-house counsel, Todd ,\, Boock, repeatedly informed Zernik that he
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16 designated counsel, but Zernik refused. & Zernik has shown no indication that he will
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17 refrain from contacting any Count0\vide employee in the future. In fact, as recently as July 4
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18 and July \), he sent Countrywide's Chief Legal Officer Sandor Samuels copies of libelous
19 emails, and onJune 29, he sent .\ngelo ~[ozilo, Chairman and Chief Fxecutin Officer of
20 Countrywide, and Samuels emails regarding the present action, and copied Rabbi Jonathan
21 Bernhard, Rabbi.J oseph ~husterman, The Honorable R. \X'illiam Schoettler, and "others in
24 reyuests ,md cease and desist letters, and has rebuffed its efforts to settle this matter without
r
-) further b\v and motion practice before the Court. ,\s cyiJenced b~- his recent, continuing
26 emails, !'crnik has no intention of ceasing his misconduct. Therefore, C:ountr;.\vide has no
28
390 / 745
(,~ i I ~;- 11
Court File: "Volume IV Continued" .\ICHI00J FOR ~\ PROTFCTI\T ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
1\". Conc!miOl1
I rot the rea~on~ ~et forth herein, Countrywide re~peetfully rcyue~t~ that the Court
3 II cxcrci~e it~ inherent authority to regulate the conduct of the ca~e, and to i~~ue a protecti\-e
5 II regarding the present action, and not with repre~ented person~ \\·ho are officer~, director~,
7
D.\TFD: July 11, 2()(); Re~pectfully submitted,
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391 / 745
() ~ 11-=-,--= 12
Court File: "Volume IV Continued" .\lOTION FOR .\ PROTECTIYE ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
DECL\R.\TIO:'\ (W TODD .\. BOOCK
"l
I, Todd _\. Boock, declare:
-'" 1. I am an attorney duly licen~ed to practice law before the Courts of the State of
5 II personal knowledge of the facts set forth in this declaration and could competently testit\- to
8 CZernik") and requested that Zernik communicate solely with me or ~Iariela Garcia,
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II directed at ~laricla Garcia, 1 emailed Zernik and advi~ed him that ~ince Countr:,\vide is
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15 attorney's email address, he would fot\vard communication to her attorney. Tn his email,
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18 hereto as Exhibit B and incorporated herein by reference.
19 5. Later that day, 1 emailed Zernik, specifically stating "1 represent ~Is. Garcia,
20 and I again reiterate that any communications to Countrywide or its employees should be
21 directed solely to me." .\ true and correct copy of this email is attached hereto as Exhibit C
24 the litigation. He also sent a letter to me, copying not only .\Iaricla Garcia, hut also _\ngclo
25 \l07:iJo, Counrt;,\\ide's Chairman of the Board, and Sandor Samuels, COUl1t0'\vide's Chief
26 Legal Officer. .\ true and correct copy of this letter is attached hereto as Exhibit 0 and
392 / 745
(J--\. ~) -~.- 13
Court File: "Volume IV Continued" :"IOTIO~ HJR\ PROTECTIYE ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
Count0\\'ide'~ cu~tomer ~ct\'ice department, "\: athalic (~ue~adc and. \kerta Bayli~s, and
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attempted to interrogate them and encourage them to make yarious admissions about
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4 ~. That same date, \Iarch 29, 20W, I sent another email to Zernik, asking that he
5 II refrain from contacting Countrywide employees. .\ true and correct copy of this email is
7 0. .\round this rime, I am informed and belie\'e that Zernik was also lcaying
8 II numerous \oicemails for \Is. Garcia, sometimes several each day. Zernik also left me
10 lO. Prior to late :"Iarch and early .\pril, I am informed and bclie\'e that !'ernik
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11 repeatedly called Diane Frazier, a former Countrywide underwriter, about the subject matter
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18 sent emails to Zernik (Jt1 .\priI2, 2007, ."-pri! 13,2007, and .\pri! 16, 20U7, again asking him
19 to communicate solely \vith me regarding all matters relating to the litigation. True and
20 correct copies of these emails are attached hereto as Exhibits F, (; and H, respectinJy, and
23 Garcia personally.
24 L). On June 15, 20()7, I receind an email in which Zernik attacked the way
25 pr:1uice religion, claiming it \vas "disgusting," and that he was "appalled" by m~' request for a
26 one dm' c()ntinuance of hi~ I!Xpdr!t: hearing so that I could attend a PaSSo\Tr seder \vith mr
27 famil~'. In the email, Zernik berated Countr~-widc's Chief Legal Officer Sandor Samuels'
28 religious practices as "disgusting" as well. _\ true and correct copy of this email is attached
(,nl-, - 14
393 / 745
Court File: "Volume IV Continued" '\10TIO~ FOR ~\ PROTECTI\T ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
hereto a~ Exhihit I and incorporated herein by reference.
1 14. On June 23, 20W, 7.ernik emailcd .\ngdo )'102ilo, demanding that he
.,, personalh' ensure that Zcrnik recei\Td a declaration regarding the production of documents.
4 On J unc 25, 20U;, Ler111k emailed Sandor Samuels, demanding the ~ame reuef. True and
5 correct copie~ of these em ails are attached hereto as Exhibits J and K, respectively, and
7 15. On June 26, 200 7 , Lernik sent an email to Sandor Samuels and copied a rabbi
8 at his synagogue, yuestioning Samuels' commitment to fighting real estate fraud. ,\ true and
9 correct COPy of this email is attached as Exhibit L and incorporated herein by reference.
10 1(>. On or about June 27, 200 7 , I am informed and beliC\'e that 7.ernik left a letter
11 for Count0\vide Chief I ,ega] Officer Sandor Samuels at Bet Tzedek, a charitable
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19 and "others in the legal and Jewish community in Los .\ngeles." ,\ true and correct copy of
20 this email is attached hereto as Exhibit ),1 and incorporated herein by reference.
21 1(J. On July 4, 2(l07, Zernik sent two email~, including attachments, to undisclosed
22 lTclpienrs, \\·ith copies to Sandor Samuels, Chief J,egal Officer for Count0,vide. The em ails
I'
--' bore the ~ubiect line ·'PLE.\SF .\SK S.\:'\:DOR S.\~ICELS TO STOP RE\L Jo:ST.\TE
24 l'R \ LT)." The emails contain purported press releases, which state in part: "For
26 Samuels Complicit in Real Estate Fraud." The emails contain numerous blse statements
27 implicating Count0'wide officers and employees in alleged real estate fraud. I am informed
28 and be1ie\T that J:crnik sent the cmails to at least one member of Bet Tzedek's board of
(J-t; 1- ') ~ 15
394 / 745
Court File: "Volume IV Continued" .\fOTIO:-.J FOR .\ PROTECTIYE ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
directors. True ,Ind currect copies of these emails are attached hereto as Exhibits Nand 0,
I rcspectin:l~', and incorporated herein b,' reference.
.'" ~(). OnJuly (), 2()()~, Zernik sent two more emails to the Bet Tzedek Board of
4 II Directors and other Countrywide business associates, as well as other undisclosed recipients.
5 II The emails proclaim: "C.\LJ J~C FOR S.\\IUELS l\I.\IEDL \TF RESIGN. \TIO\J
7 II for the IL.'\' edf1e] roiling on Friday. That hling Itself Renders Samuels LTnfit for President of
8 II Bet Tzedek." The emails also allege that Countrywide is complicit in mortgage fraud and
9 II \\'ire fraud, and largely mocked Samuels' inyo]nment with the Bet Tzedek organization,
10 II claiming that he is unfit to serve as President. True and correct copies of these emails are
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11 attached hereto as Exhibits P and Q, respectively, and incorporated herein hy reference.
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12 21. Zcrnik is currently attempting to file an amended Cross-Complaint to name
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17 \pplication for a Protecti\T Order [p. 3, line 28 to p. -1-, line 1], Countrywide ncnr
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18 II contirmed that the alleged October 26,2004 Country\vide Underwriting Decision/Condition
20 23. Countrywide fully complied with all four of 7.ernik's document subpoenas.
21 II (:< luntt-:-'\\'ide did not engage in any dccepti\'e practices \vith regard to 7,ernik's document
T) II suhp( lenas.
23
24
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26
27
28
395 / 745
U'I-)~ 16
Court File: "Volume IV Continued" ~10TIO\i FOR .\ PROTFCTIYE ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
24. On many occasions, counsel for Countrywide attempted to meet and confer
2 with Zernik and to ensure that he was satisfied with Country"\\ide's compl1ance \\ith his
3 document subpoenas, \\ithin the bounds of our legal obl1gations and duties to Country\\ide,
5 I declare under penalty of perjury under the laws of the State of Cal1fornia that the
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396 / 745 ~fOTION FOR A PROTECTIVE ORDER
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
DECL\R.\TIO\; OF.!OH0: \\'..\:\IBFRG
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L lohn \V. \ mbcrg, declare:
.'" I. I am an attorne\' duly licensed to practice law before the courts of the State of
4 II California. I am a partner in the law firm Bryan Caye U >P, and am counsel for Countrywide
5 II ome J nans, Inc. ("Countrywide") in this matter. I haH personal knowledge of the facts Se
6 forth in this oeclaration and could competently testify to the following facts.
7 'I
On July 6, 2()()/, in response to Defendant Joseph I.ernik's CZernik")
8 continued harassment of Country'\vide ano its officers and employees, I sent C. Richard
9 (;recn, I ~sy. ("Green"), counsel for Zernik, a cease and desist letter \vhereby I demanded on
10 behalf of CO\.lI1try'\vide that Zernik Cease his harassment of C:ountry'\vide and its employees
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I1 and officers and refrain from contacting C:ountry\vidc personal and business associates..\
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18 simply to refrain from contacting represented Counrt')'\vide employees and officers regarding
19 the present litigation, and would direct any communications to Country'\vide's designated
20 counsel. I sent this stipulation in the hopes that the parties coulo rcsoh'e this oispute \vithou
21 further law ano motion, and without any signiticant further im'oh'ement of the Court. .\
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J" herein l)\ reference. Zcrnik ano his counsel neyer acknowledged the proposeo stipulation.
24 4. On .I uly l), 2()( P, I buneo that I.ernik had sent ne\\' emails that same morning
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.:..) [() business and personal associates of Countf)'\\'idc's officers. In response to this e\'idence
26 of I.ernik's continuing harassment of Countf)'\\'ide, I sent Green another cease and desist
27 letter whereby I demanded on behalf of Countf)'\\'ide that Zcrnik stop his harassment of
28 Country'\\ide and its employees and officers. _\ true and correct copy of this letter is attache
397 / 745
(J-t") 1~ ') , 18
Court File: "Volume IV Continued" :\fOTIO:\; FOR .\ PROTECTI\'E ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
hereto a~ Exhibit T and incorporated herein by reference.
2 I declare under penalty of peri un- under the bw~ of the State of California that the
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398 / 745
()-PI} ~;.-
19
Court File: "Volume IV Continued" .\fOTIOI\; FOR A PROTECTIVE ORDER
Samaan v Zernik (SC087400) Los Angeles Superior Court
Todd To jz 12345@earthlink.net@CWEXTERNAL
BoockJAttorney/LellallCFICCl
03/28/20070103 PM
Mr. Zemik,
I am in receipt of your letter dated March 26, 2007, but sent to me via e-mail on March 27,2007.
Your letter has raised numerous issues that we are looking into at this time. Please be advised that we
are diligently researching the issues raised by your letter and will comply with our legal obligations as to
your subpoenas.
In my March 23rd e-mail to your former attorney Zachary Schorr, I requested that we set up a
meet-and-confer telephone call. Since he is no longer representing you, I am making the same request to
you. Please provide me with a few convenient times to call you on Monday or Tuesday, April 2nd or 3rd.
This should give me sufficient time to fully review and research the issues raised by your and Mr. Schorr's
letters, and to determine whether additional responsive documents exist
In the interim, we kindly ask that, since you are aware that Countrywide is represented by counsel, you
direct all communications regarding this matter solely to me.
Thank you for your anticipated cooperation, and I look forward to speaking with you.
rI Countrywide~
Todd Boock
1 st VP, Sr Legal Counsel
CA In-House Litigation Legal
Todd Boock@CDUntrywide.com
jz 12345@earthlink.net
399 / 745
A .. J {
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03/28/20070131 PM Mariela_Garcia@Countrywide.Com
cc
bee
Subject Re: URGENT- LEITER TO AIT BOOCK TIME RESPONSE
DEMANDED BY 5:00PM ON THURSDAY, MARCH 29, 2007
You had more than enough time to consider this subpoena, first served
in August 2006' You had sufficient time to prepare the repeat
subpoena in January 2007, but chose not to address the concerns you
were informed of in December 2006.
Sincerely,
Joseph Zernik
400 / 745
t~ /1
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Todd To jz12345@earthlinknet@CWEXTERNAL
Boock!AttorneyflegaUCFfCCI
03/28/20070456 PM
Mr. Zernik.
In your e-mail. you raised a concern that we have had since August 2006 to respond to the issues
discussed in your recent correspondence. We respectfully disagree. The subpoena you served in
August 2006 was entirely different than the subpoena you served in January 2007. The August 2006
subpoena was a generalized request for documents relating to a loan application. The January 2007
subpoenas sought nineteen separate categories of documents, many of which included subcategories.
We timely responded to both subpoenas and produced documents.
Most of the issues that your attorney raised in his March 19, 2007 letter and the new issues you raised in
your March 27, 2007 letter were not raised by any of the subpoenas. They were brought to my attention
for the first time in these recent letters. Please note that we are not a party to the lawsuit, were never
served with the complaint and are not as familiar with the issues in the case as you appear to be. As I
explained in my prior e-mail. we are attempting to diligently respond to your letter and research the issues
you have raised. Unfortunately, this takes some time to accomplish, and we intend to take the necessary
amount of time to comply with our legal obligations.
Your attempts to "meet and confer" by sending us lengthy letters and lists of demands are not in good
faith. Giving us less than 48 hours to respond to these letters is also not in good faith, nor does it follow
the spirit of meet and confer contemplated by the Los Angeles County Superior Court local rules. Each
and every time we have attempted to engage in a reasonable meet and confer with you or your attorney,
we have been rebuffed or ignored. We will take the appropriate time to research the issues raised in your
letters and, once we have done that, we will engage in a substantive discussion with you about the issues
you have raised. We would like to work with you to resolve each of these issues and are more than
willing to take the time to go over each of them with you. In that vein, I again ask you when you are
available to meet and confer over the telephone on Monday or Tuesday, April 2nd or 3rd? Please provide
me with a few times that you are available, I will let you know what works with my schedule and I will call
you at that time.
Incidentally. while your March 27, 2007 letter makes reference to certain exhibits, those exhibits are not
attached to your letter (only descriptions of the exhibits are induded). So that we are certain we know to
whot you refer in your letter, please provide the exllibits as SUUlI CIS pussible.
Finally, your threats against Ms. Garcia are wholly inappropriate and not well taken. Please immediately
cease making idle threats against Countrywide employees in general and Ms. Garcia in particular. I
represent Ms. Garcia, and I again reiterate that any communications to Countrywide or its employees
should be directed solely to me.
Mr. Zemik, I assure you that we are working diligently to respond to your subpoenas and letters. We hope
to work with you to resolve your issues and move forward.
Thank you for your anticipated cooperation, and I look forward to speaking with you next week.
[I Countryvvide-
j /.
401 / 745
/7
L_
~ .•/
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
SENT BY EMAIL AND BY FAX TO 818-871-6045 and 8006589364
Mariela Garcia
Custodian of Records
Legal Department
Countrywide Financial Corp
5220 Las Virgencs Rd
Calabasas, CA 91302
I am available to meet and confer by phone today, Thursday, from 7:00am to 9:00am, and from
2:00-3:00pm in the afternoon. This is a last minute notice, but events in this case and your
obfuscation over a year and a half do not leave me much choice. 1 am offering you these times
for phone conversations in addition to the many opportunities you had over the last year and a
half to submit additional information in writing. I am sending this notice by email to you and
Mariela Garcia and r am also leaving you phone messages in this regard.
I am doing so in order to offer you an opportunity to clarify before 5:00pm today, Thursday,
your reasons for refusing to comply with a legal subpoena for the documents related to loan
applications by Nivie Samaan.
" As I explained in my prior e-mail, we are attempting to diligent[y respond to your letter
and research
the issues you have raised. Unfortunately, this takes some time to accomplish, and we
intend to take the necessary amount of time to comply with our Iega[ obligations." Your
excuses for failing and refusing to comply with a legal subpoena since August 2006 can
no longer be accepted as written in good faith.
There is no legitimate and/or reasonable excuse for refusing for over a year and a half to print
out the full and complete CommentslDocuments/Conversation Log for Samaan's loans from your
computerized system. Parts of that log, related to Exception Approval by the Corporate
Underwriting Support Office were already provided. There is no reason not to provide a full and
complete copy afthat log.
Is a year and a half not sufficient "amount of time to accomplish" a printout of such log?
402 / 745 /) , .)
At some point your arguments start sounding exactly like what they are - a farce and a
perversion of the law by the Legal Department of a major corporation. You must also be aware
that my concerns are aggravated by recent reports that equated Countrywide with Enron.
Let me be clear. The subpoena of August 2006 was prepared by Att Cummings. The Subpoena
of Jan 2007, and all following Meet and Confer letters (copy ofa recent one is attached below),
whether on attorney's letterhead or not, were drafted by me, so that I am very familiar with each
and every item discussed in them.
The materials sought in all of these communications with Countrywide are the same as those
requested in the very first subpoena by Att Cummings - any and all documents pertaining to
Loan Applications by Borrower Nivie Samaan for the Property at 320 South Peck Drive, Beverly
Hi lis. Your attempts to claim otherwise are additional excuses for your obfuscation and refusal
to comply with a Court ordered subpoena.
You mention that you are not a party to this litigation. These communications are also meant to
serve you due notice and offer you the opportunity to make amends. Actions and omissions by
Maria McLaurin and others in Countrywide in October- 2004 to January 2005, and in addition
by sending a letter signed by Maria McLaurin on behalf of Countrywide for use by Plaintiff in
this litigation. and in addition by failure by Countrywide to completely respond to subpoena in
August 2006, and in addition by failure and refusal by Countrywide, Todd Boock, Mariela
Garcia, and others to comply with a legal subpoena since January 2007, it becomes apparent that
Countrywide (referring here to CFC and all its affiliates), individuals named above, and others
are in fact accomplices in this blatant fraud and deceit.
You requested that I provide the exhibits, and I do so in a fax/email following, although all of
them, with one exception, are materials produced by Countrywide. I am also producing two
additional exhibits for your review, which have been discussed many times in previous
communications:
a) Loan Appl ications (I 003) by Nivie Samaan, as produced by Countrywide, demonstrating
blatant adulterations, produced by Countrywide in response to subpoena without any
accompanying Internal or External Audit documents to justify this aberration.
b) A deliberately misleading paper document titled Conversation Log, San Rafael Branch,
produced by Countrywide. Maria McLaurin, Branch Manager, San Rafael Branch, indicated in a
phone conversation with me that it was her decision to insert this document instead of the true
and correct, full and complete printout of the computer-based
Comments/Documents/Conversation Log of Samaan's loan applications. In contrast, Diane
Frazier, the duly authorized Underwriter for Samaan loans, whose authority was usurped by
Maria McLaurin, indicated in a phone call with me that such paper Conversation Logs have
never been used in the San Rafael Branch at least since 1989, the year she joined Countrywide!
Countrywide, Todd Boock, and Mariela Garcia were warned in person, by phone and by written
communications by this writer, prior to the January 2007 subpoena, that such documents were
,
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403 / 745
I
"I represent Ms. Garcia, and I again reiterate that any communications to Countrywide or its
employees should be directed solely to me." I find it hard to believe that this statement is true.
Mariela Garcia, a paralegal in your office, signed as an individual on behalf of Countrywide, as
the duly appointed Custodian of Records. If I receive a direct communication from Mariela
Garcia that states that you indeed represent her as an individual, while at the same time
representing Countrywide and that she is aware of the conflict of interests inherent in such
representation, I would cease to copy her on such communications.
Att Boock, your obfuscation is no longer tolerable. Time is of the essence - your actions
and omissions, as an individual and as a representative of Countrywide have caused me
substantial financial damages through the denial of a motion to expunge lis pendens in
November 2006, opposed with critical support with Countrywide and Maria McLaurin,
and are causing critical damage to my defense in Samaan vs. Zernik, soon to be heard in
Court.
Sincerely,
Joseph Zernik
Joseph Zernik
CC:
404 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
T) . -:
Todd To jz12345@earthlinknet@CWEXTERNAl
Boock!Attorney IlegaVC FICCI
03129/20071240 PM
Mr. Zernik,
Unfortunately, I am unavailable to have a meet and confer discussion with you today. However, I am
available on Monday, April 2nd or Tuesday. April3rd. Please let me know some convenient times to call
you during either of those days. I will let you know what works with my schedule and I will call you then.
I again repeat my request that you refrain from contacting Countrywide employees directly, including
Mariela Garcia. It is my understanding that you have left several voicemails for Ms. Garcia today. As an
employee of Countrywide, Ms. Garcia is represented by counsel, and she will not communicate with you
directly. Please direct all communications to the company solely to me.
Incidentally, I did not receive any faxes from you today, and I note that the fax number you have indicated
for me on your e-mail is actually my telephone number. My fax number is (818) 871-4669. While I
understand that the exhibits were mostly culled from documents Countrywide produced to you, we did
produce several hundred pages of documents, and it would be helpful for us to know exactly to which
documents you refer. I look forward to receiving your fax and the eXhibits.
Thank you for your anticipated cooperation. and I look forward to speaking with you early next week.
Ii Countr.vwide~
Todd Boock
1st VP, Sr Legal Counsel
CA In-House Litigation Legal
Todd Boock@counlrywidc.com
o'
,
405 / 745 f '/j
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Todd To jz12345@earthlinknet
BoocklAttorney/Legal/CF/CCI
04/02/2007 02:46 PM
Or. Zernik,
Thank you for speaking with Sandy Shatz and me earlier today.
First, I want to reiterate to you that, as you know, Passover begins at sundown this evening, and I plan to
celebrate it with my family. You have proposed making an ex parte application tomorrow morning, and I
requested that, in light of the jewish holiday and the preparation that goes into it, you wait until Thursday
or Friday for your ex parte application. You have not confirmed whether or not you will move the hearing
to Thursday or Friday, but told us that you would send an e-mail with a proposed stipulation. I received
your proposed stipulation and am happy to agree to having your motion heard on no less than 16 court
days' notice (plus 5 days if you send it by mail). I will not agree to the excess wording, though, and there
is no time for me to prepare the stipulation and file it today. But you now have it in writing that we will
agree to have your motion heard on at least 16 court days' notice, which should be sufficient to take off
the ex parte. I will again tell you that we will move for sanctions against you if you force me to interrupt my
observance of the Jewish holidays and appear at your ex parte application tomorrow. As I said in my
previous e-mail, courts expect counsel to change hearing dates when it inconveniences other counsel,
and this court will not be pleased if you refuse to do so. I also again point out the numerous defects in
your notice, including the lack of a time and location.
We understand that the ex parte application relates to a motion to compel production of other documents
pursuant to a subpoena served on Countrywide. Today, we met and conferred concerning that
subpoena, and we are in the process of looking for other documents. Accordingly, because we are still
meeting and conferring on these issues, any motion to compel is premature.
Second, I repeat what I have explained several times to you, that I represent the company in this matter.
Consequently, we demand that you solely communicate to me as to your subpoenas and the related
issues. To be clear, do not contact other Countrywide employees in general and Mariela Garcia in
particular. If I learn that you have continued to contact Ms. Garcia or other Countrywide employees, we
will move for a protective order and seek sanctions against you.
Finally, this is to confirm that we have produced all documents within our possession, custody and control,
which are responsive to your subpoena. However, we are presently looking for two documents: (1) Maria
McLaurin's November 6, 2006 letter to Victor Parlks - you already have this letter, but we will send it to
you again if we locate an intemal copy; and (2) the Underwriting Decision/Condition Letter that was
printed on October 26, 2004, which we discussed during our conversation. If we are able to locate these
documents, we will send them to you.
Please let me know as soon as possible whether you will persist in making your ex parte application
tomorrow. I am leaving my office at 3:45 pm, so I expect to hear from you by then. Thank you, and have
a Happy Passover.
(ICounbyyJid~
Todd Boock
1st VP, Sr Legal Counsel
CA In-House Litigation Legal
/"
oj, i /
406 / 745 F~
I
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Todd To jz12345@earthlink.net@CWEXTERNAL
BoockJAttorneyfLegaUCF/CCI
04113f2007 02:51 PM
Dr. Zernik,
You called me this morning after you sent your ex parte notice and told me that you wanted the words "all
of the records" included in the custodian of records declaration. You said that this would be sufficient for
you to withdraw the ex parte application. I said that I would take a look at the declaration and get back to
you luter today, but you demanded that I get back to you within an hour.
I called you a short time later and said that I thought that we would be able to resolve the issue and you
would be satisfied, but I needed a little more time than an hour. I told you that I should know by the end of
the day. When you asked me to send you an e-mail, I did not say that I would nOl I said that I would
rather not until I actually have some confirmation or something concrete to say. Nonetheless, I had
planned to convey the status to you via e-mail, but was out eating lunch and just returned to my office.
In any event, I now have concrete information. We have revised the declaration, and I believe that this
resolves the issue. The new declaration is attached, and a hard copy will follow in the mail. Please
confirm that your ex parte application is off calendar.
On a related topic, we are ready to schedule a time for you to review the original loan documents. Please
provide me with several dates and times that you are available to come in and review the documents.
Obviously, next Friday, April 20th will not work, since we will be at Maria McLaurin's deposition (which you
confirmed would be going forward). I am also unavailable on Monday, April 16th.
Finally, I remind you to please direct your communications regarding the subpoenas and related topics
solely to me. Your prior threats to Ms. Garcia were completely inappropriate, and we ask that you not
communicate with her. As I have explained on numerous prior occasions, I represent Countrywide and all
of its employees in this matter.
Thank you.
-m
Sarna,!" v. Zemik - Dec. Custooldn 01 Records.pdf
~ Counbyvvide"
rood Boock
1st VP, Sr Legal Counsel
CA In-House Litigation Legal
Todd Boock@countrywide.com
407 / 745 / I
Court File: "Volume IV Continued" (I (,
Dr. Zernik,
I am in receipt of the 3 e-mails you sent to me over the weekend (one on April 14th and two on April 15th),
and I am aware of the voicemail you left for Mariela Garcia (on April 14th).
Your e-mails mischaracterize the history of this matter as it relates to Countrywide. We received and
properly responded to the subpoenas. Where you had additional questions, we have been more than
cooperative with you and took the appropriate time to accurately and completely address each of the
issues you have raised. The arbitrary deadlines you have set are unreasonable, especially since you are
aware that I was supposed to be out of the office at a deposition today. My deposition was cancelled, but
you did not know that until just now. The following responds to issues raised in your communications this
weekend:
I asked you to provide me with several dates and times that you are available to come in and review the
documents. The single time you provided does not work for us. Please provide me with several dates
and times, so that we may coordinate with all parties.
You have requested to meet with Mariela Garcia in person. We do not see any reason for this meeting,
especially in light of your recent threats against Ms. Garcia. We have provided you copies of the
responsive documents and will make the originals available for your review.
This is the last time I am going to tell you that, as an employee of Countrywide, Mariela Garcia is
represented by counsel and is not to be contacted directly by you. As a represented party, she is not
going to contact you directly and tell you that. I have repeatedly explained to you that I represent
Countrywide and all of its employees in this matter, and any and all communication regarding this matter
is to be directed solely to me.
I must demand that your harassment of Ms. Garcia and Countrywide in general stop immediately. You
have called, e-mailed and written us innumerable times, often with unsubstantiated accusations of fraud,
threats of legal action against Countrywide employees, arbitrary ·urgent" deadlines and last-minute
notices of baseless hearings. You have now demanded to meet with Ms. Garcia personally, or you will
subpoena her to testify. You have also called her directly again, despite my repeated demands that you
stop doing so. If you continue to harass us, induding serving a subpoena on Ms. Garcia, we will have no
choice but to move for a protective order and seek sanctions against you.
You did not provide proper notice to Ms. McLaurin and/or Nivie Samaan in your subpoenas. and we
objected to your subpoenas on that basis.
, .
408 / 745 r1 {7i
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Coun~'s Subpoena Compliance
As our custodian of records declaration states, we have produced' all documents responsive to your
subpoenas within our possession, custody and control, subject to the objections previously served, We
have complied with our legal obligations as to the subpoenas. However, as a gesture of good faith, we
offered to allow you to review the original documents, which we will still allow you to do.
Litigation Conduct
Please immediately cease your repeated accusations of fraud, conspiracy and other nefarious deeds
against me and my colleagues. These accusations are baseless, inappropriate, offensive and in violation
of Los Angeles County Superior Court Local Rule No. 7.12(d), which requires that counsel "should at all
times be civil and courteous in communicating with adversaries." As someone representing himself In
propria persona, you are bound by these rules.
Finally, please provide us with the $95.95 set forth in our April 12, 2007 invoice.
Thank you.
fI Countryvvide·
Todd Boock
1st VP, Sr Legal Counsel
CA In-House Litigation Legal
Todd Boock@countrywidecom
..
"....,..... ....
409 / 745 /I (
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Subject URGENT RESPONSE DEMANDED BY WEDNESDAY,
~
~
JUNE 20, 2007, SOOPM- 1) DECLARATIONS BY MARIA
MCLAURIN, NOVEMBER 2006, MAY 2007 2) UNSIGNED,
UNAUTHENTICATED UNDERWRITING LETTER OF
OCTOBER 26, 2004 3) APPARENT VIOLATIONS OF
REGULATION B MENTIONED IN SAMAAN V ZERNIK
June 15.2007
Mr Book:
Starting in December 2006, I communicated with you and others in the Legal Department of
Countrywide various aspects of the conduct of Maria McLaurin, Branch Manager at
Countrywide Ilome Loans, San Rafael Wholesale Branch. Studying subpoena documents in
Samaan v Zernik, and data provided by branch Underwriter indicated that McLaurin had an
ongoing relationships with some loan broker(s) with the goal of perpetrating fraud against
Countrywide (heretofore indicating CFC, Inc, and/or any of its affiliates and subdivisions), a
Federally backed mortgage lender. By estimate of the Branch Senior Underwriter, the fraud rate
in that branch reached around 2004 90%, where estimates by the FBI put fraud levels at 30-40%
in California in general. The pattern as a whole fitted perfectly with what FBI reports describe
as a loosely organized white collar crime networks harvesting stunning sums (all estimates are
believed to be guesswork at best) in an epidemic of real estate and mortgage fraud, centered in
Southern California. Needless to say, Countrywide is the SUb-prime market leader, centered in
Southern California as well. FBl considers the fight against this epidemic a national priority!
The overall picture emerging from the fi Ie is of total collapse of checks and balances in
Countrywide. Gross violations escape all controls, since the fraud is perpetrated from above led
by the Branch Manager - and the dissenting Underwriter was quashed:
• Managerial Controls - the Senior Underwriter, who did not cooperate in the fraud, lost
her job instead
• Internal Audit - adulterated 1003 with not valid Receipt Date, adulterated fraudulent
Exception Requests by Branch Manager
• External Audit - same
• Legal Oversight - the Legal Department appears more as an accomplice with white collar
criminals than part of any compliance monitoring
Over half a year since my first report to the Legal Department, it appears that Countrywide never
took any action in this regard. If anything, the Legal Department was busy stonewalling,
ohfuscating, and defending McLaurin, who is still holding the same position as before. I am not
aware of any reporting you made to supervisors, as required by Sarbane-Oxley, or to SEC, Thrift
Regulators, Trade Commission, or the Federal Reserve. You refused to answer any questions in
this regard. Instead, you informed me that my attempts to directly inform Mr Mozillo, Chairman
of the Internal Audit Committee, were intercepted, and any attempt to communicate with
anybody at Countrywide, but you, would be considered "harassment" of Countrywide, and
would result in legal action.
A March 2007 column by Pulitzer Prize winner, Gretchen Morgenson.in the NYT, predicted the
ominous collapse of Countrywide, which she compared to Enron - an inherently corrupt
organization. She differentiated that the collapse of Countrywide would be much slower - a train
crash in slow motion, and also, that the damage inflicted on the American economy and many
many families would be much bigger.
In Meet and Confer discussions, you denied that McLaurin was involved in fraud, since her
scheme related to mortgage approval and funding of a loan for the buyer, Samaan, in the aborted
purchase agreement of my residencc, never materialized.
Similarly, I was informed by Thrift Supervisors, that Countrywide used the same argument to
deflect my complaint.
Needless to say, I am no bank regulator, but data indicating that a WHOLESALE BRANCH
MANAGER, who may approve up to $50,000,000 A DAY in mortgage investments, is involved
in an ATTEMPTED FRAUD, was worthy of reporting and investigation as a MATERIAL
DEFICIENCY. Moreover, as detailed below, THIS CASE PROVIDES THE TEMPLATE
FOR ROUTINE SCAM TO OVERCOME COUNTRYWIDE'S APPEARANCE OF
SAFEGUARDS AND COMPLIANCE WITH LAWS AND REGULATIONS (E.G,
REGULATION B), and surely the scam described here was not used here for the first time.
As fully clarified to you over the months since then in many communications, Samaan's loan
application (1003) was replete with false and fraudulent data:
• its Date Received stamp was adulterated, but you could not or would not explain by
whom, when, where, why, and under what authority
• Many documents indicate that the loan was allowed to be continuously reviewed longer
than permitted by Regulation B, through manipulation of the Date Received data.
• You could not produce or would not produce any documentation of the correct Date
Received for the loan application
• the signature on the 1003 was not that of the Loan Broker, Victor Parks
• Samaan stated in deposition that the loan broker never even talked with her
• on the 1003 Parks is listed as the telephone interviewer
• Samaan stated in deposition that her husband, who does not hold any relevant licence,
and probably is prevented from ever holding any such license, was the one who prepared
411 / 745
Court File: "Volume IV Continued" J
~j.. .- ,J) . .t.....
Frazier, the duly authorized Underwriter refused to issue any credit decision prior to receipt of
valid, correct 1003 loan application. But the handling of this loan demonstrated a simple route
around sound Underwriting principles required by Federal regulations. The applicant waited,
and seemed strangely uninterested in addressing the deficiencies in her application. Instead, she
probably was waiting, as part of a routine scam, for the loan application to be suspended
(10125104) for incompleteness 10 days after receipt (10/14/04). In fact, according to the duly
assigncd Underwriter, the application was uniquely incomplete at submission, probably by
design ...
,T'
412 / 745
Court File: "Volume IV Continued" ,1-- , ~i
For example, she filed both her Exception Report (10/25/04) and her Appraisal Request
(10/25/04) without obtaining new, valid loan application 1003 from the applicant. Therefore, she
had no way to adjudicate the application, since all calculations listed by the applicant on the
1003 used fraudulently lowered interest rate.
Gadi, in Division Underwriting Support, conditioned his approval (10/29/04) on the following
stipu lations:
a) that all information provided to him was true - but the annual income, fictional to start out,
was IO-fold increased, AND the credit detenninations presented to him were opposite those of
CLUES and the Underwriter, without any discernable foundation
b) that all conditions stipulated by the Branch Underwriter be enforced - these conditions were
already ignored by the time the Exception Request was filed, and seemed to be ignored in all
later Underwriting Letters.
On 10/26/04 McLaurin, for no obvious reason, issued a false, invalid, unsigned, and
unauthenticated Underwriting Letter that appearcd to be issued by Frazier, the duly assigned
Underwriter, as ifshe was still in charge of the application (where in fact McLaurin had by then
usurped Underwriting authorities). The Underwriting Letter stated that the application had been
suspended (where in fact by then McLaurin had moved the application to the fast track - by
applying for Review Appraisal and Exception Request).
413 / 745
Court File: "Volume IV Continued" >"/
Samaan v Zernik (SC087400) Los Angeles Superior Court
ASSESS THE AGREEMENT UNTIL OCTOBER 22,2004, THAT IS- AFTER ESCROW WAS
ALREADY CANCELLED.
D) THE SECOND, AND ONLY OTHER COpy OF THE PURCHASE AGREEMENT, WAS
RECEIVED ON OCTOBER 25,2004, AND WAS COMPLETE, WITH ALL INITIALS AND
SIGNATURES
i) IT IS NOT CLEAR WHO SENT IT. EVIDENCE SUGGESTS THAT ALL ALONG
SAMAAN IMPERSONATED HER LOAN BROKER, AND ALL FAXES APPEARING
AS HIS, ARE IN FACT FROM HER OWN FAX MACHINE.
ii) FOR EXAMPLE - COMPARJNG THE LOAN BROKER SIGNATURE
APPEARING IN COURT FILINGS, WE COULD NOT IDENTIFY ONE SINGLE
AUTHENTIC SIGNATURE IN THE WHOLE LOAN FILE, OR FOR THAT MATIER
ON THE ORIGINAL FRAUDULENT PRE-QUALIFICATION LETTER.
iii) ALTHOUGH THE FAX PRODUCED BY COUNTRYWIDE APPEARS AS
ARRIVING FROM PARKS ON OCTOBER 25,2004, PARKS PROVlDED A
DECLARATION UNDER PENALTY OF PERJURY, THAT IT WAS FAXED
"IMMEDIATEL Y" AFTER IT WAS RECEIVED FROM ESCROW ON OCTOBER 22,
2004.
iv) THE DOCUMENT PRODUCED BY PARKS IN COURT, WHICH HE STATED
UNDER PENALTY OF PERJURY WAS THE ONE HE HAD FAXED TO
COUNTRYWIDE, WAS MISSING ZERNIK'S INITIALS AND SIGNATURES, IN
CONTRAST WITH THE DOCUMENT PRODUCED BY COUNTRYWIDE, REPLETE
WITH ZERNIK'S INITIALS AND SIGNATURES.
v) THIS WRITER HAS PERSONAL KNOWLEDGE OF THIS DOCUMENT - THE
DOCUMENT IN COUNTRYWIDE'S CUSTODY IS A TRUE AND CORRECT COPY
OF THE DOCUMENT, WHILE THE DOCUMENT PRODUCED BY LOAN BROKER
PARKS IS THE PRODUCT OF ADULTERATION, RATHER THAN THE OPPOSITE.
The transaction was tenninated by Zemik following a Notice to Buyer to Perfonn, and a Notice
to Cancel, when Samaan failed to remove both her Loan Contingency and her Appraisal
Contingency long after the time set in her Purchase Agreement. Therefore, you claimed, there
was no loss to Countrywide or the Federal Government, no fraud perpetrated, and no need for
the Legal Department to take any action.
Similar claims were raised by Countrywide in response to complaint I filed with Thrift
Regulators. Countrywide Bank argued that Samaan's loan would never have been funded had
the transaction not been canceled.
However, McLaurin, in court declarations, supported applicant Samaan's claims that are
diametrically the opposite - that the loan would have definitely been approved and funded had it
not for Zemik's initials of seller on the bottom of Califomia Purchase Agreement and Joint
Escrow Instructions. That - regardless of the true facts in this matter:
a) The document presented by Parks as the one sent to Countrywide was a fraudulent forgery.
The document faxed to Countrywide on October 25, 2004, and still in Countrywide's custody,
included all seller's initials and signatures.
b) The only other Purchase Agreement appearing in the Loan File was received by Countrywide
on October 22, 2004, and was missing critical Buyer's initials and signature.
c) Prior to October 22,2004, this loan application claimed to be received October 12,2004, and
probably received much earlier (the stamps were adulterated), never included any copy of the
Purchase Agreement. Therefore, McLaurin or others at Countrywide could never adjudicate any
initials or signatures prior to October 22, 2004. Definitely, the file did not include any copy of
the Purchase Agreement from October 14,2004 to October 22, 2004, as confinned by both the
Loan File and the duly assigned Underwriter.
d) Any Broker or Realtor questioned about this case expressed amazement at the outlandish
claims brought in the name of Countrywide. In this day and age, even loan applications are often
unsigned prior to closing (and Samaan's Loan Applications, fraudulent from A to Z, showed
signatures that surely did not belong to her Loan Broker).
e) Legal consultants appear positive that the agreement as such is executed without the initials,
given that the Counter Offer, fully executed, stipulate that all provisions of the Agreement are
fully agreed upon by both parties.
But the Legal Department of Countrywide does nothing to stop this ongoing attempt at fraud.
,
415 / 745 I J \/'
This notice is to demand that you provide, on behalf of the Lcgal Department of Countrywide,
answers for the following questions related to the First Lien Loan Appl ication of Samaan,
claimed to bc received on 10/14/04, and as represented in:
a) Countrywide's production of business rccords of Samaan's Loan files in Samaan v Zernik
b) Countrywide's responses to complaint file with Thrift Regulators in early 2007
c) Countrywide's responses to a complaint file with Federal Trade Commission from 2007
d) Countrywide's customary business practices
e) Countrywide's reports to regulatory agencies
I) Are you aware of the declaration of Maria McLaurin, signed on May 23, 2007, and filed in
court on May 25, 2007, as part of litigation in Samaan v Zemik?
2) Did you approve this declaration in advance of its filing?
3) If you are not familiar with this declaration, I demand that you immediately obtain a copy
from Maria McLaurin, and inform me - does Countrywide approve of this declaration at present?
4) Did you approve McLaurin's letter of November 6, 2006 ahead of its filing?
5) Does Countrywide approve of the content of the November 6, 2006, letter at present?
6) In Meet and Confer you indicated that the unsigned, unauthenticated, Underwriting
ConditionlDecision Letter of October 26, 2004, produced by McLaurin in her court filing, was
not part of Samaan's Loan Application File, and indeed it was not part of any of the subpoena
production in August 06 and in January-February 2007:
Does Countrywide consider at present that unsigned, unauthenticated Underwriting Letter of
October 26, 2004, as a valid part ofSamaan Loan Application Underwriting process in 2004?
7) Who was the duly assigned Underwriter of Samaan's Loan on October 24, 2004? October 25,
2004? October 26, 2004, October 27,2004, October 28, 2004, October 29, 2004?
8) Under which circumstances is anybody other than the duly assigned Underwriter allowed to
issue an Underwriting Letter?
9) Under which circumstances is anybody, including the duly assigned Underwriter, allowed to
issue an unsigned Underwriting Letter?
10) Does Countrywide agree with the various statements made by Maria McLaurin in her
declarations of November 2006 and May 2007 regarding the October 26, 2004 Underwriting
Letter?
II) Are you familiar with various statements in declarations, emails, and filings of Keshavarzi,
Parks, and McLaurin, which on their face appear as gross violations of Regulation B by
Countrywide?
12) For example, does Countrywide allow a "source" in San Rafael Wholesale Branch to
verbally notify a loan broker of the disposition of loan applications, including conditions for
approval and action taken, without any written notice, and at times in contradiction of written
notices?
13) Are you familiar with the fact that Samaan, the Borrower, directly managed her Loan
Application Underwriting, at times by direct communication with the Underwriter and others,
and at other times by misrepresenting fax communications as coming from her Loan Broker?
14) Does Countrywide approve of Borrowers managing their own Underwriting Brokerage and
communicating with the Wholesale Branch?
,., 7
416 / 745 L ,/ i l
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
15) Are you fami liar with the fact that Samaan stated in her deposition that she did not even talk
with her Loan Broker, let alone present him in person with any documents that were presumably
the basis for the loan application 1003?
16) Are you familiar with the fact that Samaan stated in her deposition that her husband, who is
her Loan Broker's cousin, was the one who prepared her loan applications?
17) Docs Countrywide approve as part of its business practices of Borrower's spouse, who holds
no license, and possibly is barred from ever holding a license, to prepare F3orrower's Loan
App Iications?
18) Are you aware of the multitude of fraudulent data incorporated in Samaan's Loan
Application 1003?
19) Does Countrywide approve of such fraudulent loan applications?
20) Was Gadi ever made aware that the income presented to him, of $4,000,000 had no basis in
reality?
21) Was Gadi ever made aware that the credit determinations appearing on Exception Request,
Branch Input, had no base in reality, and were produced without any supporting Underwriting
Notes?
22) Did McLaurin ever run CLUES report on Samaan's application as demanded by Gadi, after
10/25/04?
23) If so, why was it never presented in subpoenas?
24) If not, how was she allowed to proceed with loan approval without any alann raised by any
of the internal audit, external audit, legal, managerial, and regulatory oversight mechanisms?
25) Did Samaan ever satisfy the condition originally set by Frazier on October 14,2004, then
repeated by Gadi on October 29,2004, that Samaan must submit valid loan application (1003)
showing the correct interest rate and the correct calculations based on such interest rate in her
loan application 1003?
26) If so, why were no such loan applications (l003) produced in subpoenas?
27) Did Countrywide ever provide approval Samaan's First Lien Loan Application without ever
receiving a valid loan application 1003 as described in 14) above?
28) Was Samaan;s First Lien Loan ever unconditionally approved for funding?
29) Would Samaan's Loan Application 1003 be approved if presented today for Underwriting?
For ending - some simple ones:
30) What was the true receipt date of Samaan's Loan Application?
31) Who, when. why, and under what guise adulterated the Date Received stamp?
32) Did Countywide really never conducted any investigation of this gross violation of
Regulation B?
33) You are fully aware, after it was pointed out to you numerous times, that Samaan's income as
Iisted in the pri ntouts of Exception Request, Branch Input, is a rough adulteration. The printout
was covered with whiteout - and a new figure handwritten in. Detailed reading of the documents
explained why:
McLaurin increased Samaan's income, fictional to start out, ten-fold, to $4,000,000 per year, for
the Exception Request. But the file copy was made to appear in synch with the loan application
at $400,000 per year.
Did you ever investigate who made this adulteration?
Was there any report issued?
Were there any violations of Countrywide's practices in these actions?
417 / 745
, I
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
RESPONSE DEMANDED BY WEDNESDAY, JUNE 20,2007, 5:00PM.
Joseph Zemik
ps:
It is Friday afternoon, and I must end on a personal note. I was born in Jerusalem, on my
Mother's sidc- of a Hebronite Jewish family descended from Rabbi Schneerson and Sephardic
roots combined, and on my Father's side, descendent from the German Rabbi Akiva of Eger. I
marricd a dcscendent of the Luzzatto family. Combined, my children, who grew lip in this
residence, and my tcen age son, still living here, hold a vast treasure of Jewish family memories
over the generations.
I was disgusted and appalled by your hypocrisy, representing yourselfas an observant Orthodox
Jew, in order to avoid ex parte appearance in court to represent your positions - supporting fraud
and deceit.
I was similarly disgusted when I recognized that Sandor Samuels, the head of your department,
and an orthodox Jew, serves as the 2006-7 President of the Board of Beth Tzedek, a Jewish
charitable organization for legal aid. Fraud prevention, and in particular real estate fraud
prevention are advertised as a high priority. And the Orthodox Jewish lawyers who refused to
represent me in this case because of the Orthodox Jews in your department only made it more
abhorrent. Your department, as managed by Samuels, based on your conduct to date, appears
dedicated to aiding and abating real estate and mortgage fraud committed by a Countrywide's
Branch Manager.
Combined, the conduct of your department over the last half year bcars testimony to a Legal
Department that disregards the rule of the law, and supports abuse ofjustice. In printing Bcth
Tzeuek's logo "Tzedek Tzedek Tirdof" ("Justice,justiceyou shall pursue" ) in Beth Tzcdck's
brochures, bearing his portrait photo, Samuels and you jointly make ridicule of that
commandment, whose words have been admired over the millennia by Jews and non-Jews alike.
I find this particularly poignant since in 2006 I published by commission a French translation of
Hebron Stories by Shami (1888-1949) for the Calvinist Church of Switzerland, after publishing
it in English in 2000 to rave review by the Los Angeles Times. The themes of these stories, I told
the French non-Jewish readers in an epilogue, were those of the Hebrew Prophets - Micah and
Amos who lived walking distance from Hebron: social justice, and protest of hypocrisy through
overzealous devout reI igiosity.
"Will the LORD he pleased with thousands oframs, or with ten thousands ofrivers ofoil?
Shall I give my firstborn for my transgression, the fruit ofmy body for the sin ofmy soul?
He hath shewed thee, 0 man, what is good; and what doth the LORD require ofthee,
But to do justly, and to love mercy, and to walk humbly with thy God?"
:'( ;'
418 / 745 . . ·t--
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
From: jz 12345@earthlink.net
Subject: URGENT: Timcd response required - demand for declaration by Countrywide
officer.
Dear Mr Mozilo:
In 2004 Zemik listed his residence in Beverly Hills for sale. Nivie Samaan made an
offer, which was eventually accepted by Zemik. As later uncovered, Samaan was never
qualified to purchase the Property. She was a cosmetics saleswoman who fraudulently
represented herself to Zemik as a realtor who closed several deals a year, and who
fraudulently represented herself in her 1003 (Attachment #1) as solely deriving her
incomc as President of a Corporation. Her Prequal ification Letter was a product of fraud
and an instrument of Fraudulent Inducement to obtain Zemik's consent to the Purchase
Agreement.
Maria McLaurin, Branch Manager, buyer Nivie Samaan, buyer's husband and McLaurin'
s friend lae Arre Lloyd (fonnedy Timothy Lloyd Morrow), and his cousin and business
associate Victor Park, all operating in the field of real estate and mortgages, initiated in
2004, several types of fraud, all related one way or another to the pending sale of my
residence. McLaurin and Lloyd were most likely well versed in mortgage fraud, but this
st
fraud scheme did not work on schedule - approval of the 1 Lien Loan #8137375 was
considcrably delayed, possibly because Lloyd and McLaurin were trying to outdo
themselves this time and issue a fraudulent jumbo mortgage, with no documentation, and
at reduced interest rate. The lattcr provcd more difficult than anticipated (Attachment
419 / 745
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Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
ft,2,#3, #4).
Following Samaan's failure to perform, and the realization. on several accounts, that she
was not dealing honestly, Zemik issued Notice to Perform, and later, after Samaan
refused to perform, he issued Instructions to Cancel Escrow.
A year later, in 2005, once the price of the Property considerably appreciated, Samaan
filed claims for Specific Perfonnance, and placed lis pendens on the Property. Samaan's
claims initially appeared unsustainable and absurd, but false and fraudulent statements
and documents (Attachment #5) brought or supported by McLaurin kept the case in
court for the second year now.
I demand your help in mitigating the damages resulting from unlawful, fraudulent
conduct of Maria McLaurin. To mitigate damages, and to help in stemming the
ongoing fraud and deceit perpetrated against Zernik, please personally ensure that I
am provided by Fridav, June 29, 2007, 5:00pm, a declaration by an authorized
officer of Countrywide, outlining relevant details shown below (Attachment #6).
Sincerely,
Joseph Zemik
* Countrywide here refers to CFC, Inc and all its subsidiaries and affiliates
PLEASE SEE COMPLETE DOCUMENT fN ATTACHMENT.
any.
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420 / 745
Court File: "Volume IV Continued" / I
Samaan v Zernik (SC087400) Los Angeles Superior Court
----- Original Message -----
From: 1z12345
Sent: 06/25/2007 01:51 PM MST
To: sandor_samuels@countrywide.com
Subject: URGENT: Timed response required - demand for a declaration by a
Countrywide Officer.
Sandor Samuels
Chief Legal Officer
Countrywide*
Dear Mr Samuels:
Phase I - 2004: Typical "Straw Buyer" mortgage fraud compounded with rate/fee discount
As we have uncovered through subpoenas, in 2004 McLaurin was an accomplice to an attempted
mortgage fraud against Countrywide - a government backed mortgage lender. Her main
collaborator was Jae Arre Lloyd (formerly Timothy Lloyd Morrow), veteran mortgage processor
(but not a license holder). In 2004 I had no knowledge of this, although the fraudulent mortgage
application was against my Beverly Hills residence, at that time listed for sale. Initially, no harm
was done to me either.
It appears that neither McLaurin nor Lloyd were new at it. But as seen through documents
obtained from Countrywide, McLaurin and Lloyd were trying to outdo themselves in this case.
They were not satisfied with a typical "Straw Buyer" mortgage fraud - issuing loans for about
421 / 745 j l ,
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Court File: "Volume IV Continued" l-'
1',-
Samaan v Zernik (SC087400) Los Angeles Superior Court
$1.5m for an entirely unqualified borrower. The borrower, Nivie Samaan, a department store
cosmetics saleswoman was represented in 2004 as Lloyd's newly-wed wife, although in 1003
and in Escrow documents she was listed as an Unmarried Woman, and future Sole Owner of the
property. Lloyd, the husband himself, was the one who introduced this fraudulent marital status
listing. As turned out much later, the person represented as the loan broker (Victor Parks, Lloyd's
1st cousin and business associate) was out of the loop.
This particular mortgage fraud was to be a family affair for the new-wed wife. And the "Straw
Buyer" mortgage fraud was to be compounded by fraud against Countrywide per se - by
obtaining the 1st lien mortgage at 0.75% discount relative to prevailing rates and/or fees.
Unfortunately, as it turned out, the compound fraud was not as easy to pull off as these two
professionals, McLaurin and Lloyd, must have assumed. The local branch senior underwriter -
Diane Frazier - repeatedly refused to issue credit determinations for 1003 mortgage applications
with major violations of loan program rules. And the Clues Expert System similarly issued a
"REFER" determination.
McLaurin indeed tried to bypass the local underwriter and she issued a referral to Division
Underwriting Support - Demetrio Gadi - for an Exception Request. But Gadi would not go along
with that fraud either. Careful reading of his "approval" communication shows that he in effect
did not approve any exception at all. The borrower was to add the 0.75%, as previously
detemlined by Frazier, and the borrower was required to produce new, valid 1003s. Moreover,
Gadi reenforced the authority of the local branch underwriter and determined that the branch
manager must abide by atl conditions and decisions previously stipulated by Diane Frazier.
Moreover, he added new conditions that would make it even more difficult, or practically
impossible for McLaurin to get that fraudulent application funded. A new Clues Report was to
be issued prior to funding, and all documents had to be reviewed by a branch underwriter prior to
funding. In addition, Gadi introduced an unusual condition, to ensure that if the loan was ever
funded, damage to Countrywide was contained. McLaurin was instructed to issue a
non-delegated Mortgage Insurance at cost to branch, and demonstrate a certificate in the tile
prior to funding.
In fact this "Exception Request Approval" by Gadi, was a sounding vote of no confidence in the
integrity and professional judgement of McLaurin. I had no knowledge of any of that in 2004, as
the seller in the underlying real estate transaction. But both I and my realtor were getting
increasingly alanned by what appeared as repeated instances of dishonest dealing or worse, and
by failure of the buyer to perfonn. I was also waiting for buyer to remove her contingencies
prior to making a large deposit on my next dwelling. But buyer failed to remove the
contingencies, and I subsequently lost the dwelling that [ had chosen as next for me and my
family. By that time, the typical California real estate transaction, with its measured dynamic
method of contingencies, intended to equitably distribute the risks and liabilities, was turned
upside down. It was clear that the buyer would not be able to close on schedUle, but if I waited
any longer, she could force me to close at any time in the future, regardless of whether or not I
had secured an alternative dwelling. And she could also cancel without a major liability to
herself, since she still had not removed her last two contingencies (Loan and Appraisal).
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Samaan v Zernik (SC087400) Los Angeles Superior Court
Therefore, I issued a Notice to Buyer to Perform. In response, I received a lettcr from buyer in
which she explicitly refused to remove the last contingency (Appraisal), without any
justification. Indeed, she already had in her hand an appraisal that came in at sales price, and her
actions in this regard appeared as yet another dishonest dealing, which in retrospect is surely
was. I then acted within my absolute right and issued Instruction to Cancel Escrow.
Events in 2004, in and of themselves, caused relatively little harm to seller compared to
subscyuent events. These events in 2004 may appear to some as solely an attempt at fraud
against Countrywide, facilitated by a Countrywide Branch Manager. But in effect, the Purchase
Agreement stipulated that buyer "shall act diligently and ill good faith to obtain designated
loans ". Therefore, the fraud was also against the seller. Seller had no consumer standing, and
for that matter no direct relationship whatsoever with Countrywide. But a Countrywide Branch
Manager with no disccrnable reason, was trying to harm seller by enabling and facilitating fraud
by buyer against seller.
Events in 2004 could not have taken place were it not for the willingness of McLaurin to
perpetrate mortgage fraud in collaboration with Lloyd and Samaan. It is also difftcult to assume
that what the underwriter, Frazier, herself described to me was entirely secret - a wholesale
branch where fraud was pervasive and underway on a daily basis, intense pressure was applied
on the legitimate underwriters to collude, total disregard for laws and regulations was abundant,
and the organizational structures and procedures that were put in place in Countrywide to
implement mandatory safeguards and comply with the law, appeared all gone. In fact, careful
analysis of Qadi's actions suggests that he was aware at least of some of it.
This type of fraud is also well known. The owner is left instantly without any control of his own
property, or his own finances for that matter, or his own time of day. Owner is not able to sell,
not even to enter a long term lease, and surely not even to refinance at a time of concerns over
swinging interest rates. Moreover, the litigation, beyond the aggravation, has become
exceedingly costly. At present, this case appears as one that can bring this owner to bankruptcy
and ruin, in a case that is what Bet Tzedek's mission to prevent.
Strange Bedfellows
The current situation put the owner, buyer, and Countrywide in unanticipated positions: One
would have thought that Countrywide, as targeted victim of the Phase [compound fraud would
take action against a runaway Branch Manager and take a firm position against the
borrowerlbuyer.
In fact the opposite is the truth. Attorneys for the Legal Department clearly show no interest in
the fact that a Branch Manager attempted fraud against the bank. In fact attorneys for the Legal
Department have been trying to cover it up by producing partial responses to subpoenas, and at
The buyer, who in 2004 had a check for $15,000 deposit bounce twice for NS F, has now spent
by some estimates close to $200,000 on legal fees. And strangely enough, attorneys for thc buyer
scem particularly interested in protecting the Branch Manager, who is not even their client. In
return, the Branch Manager supplied buyer with fraudulent claims, fraudulent bank documents,
and make statements and declarations in court that fotm the foundation of this malicious
prosecution.
Being a relatively senior manager, identifying herself as a Branch Manager, and submitting
papers on Countrywide letterhead, Maria McLaurin is clearly perceived in court as representing
Countrywide as a whole.
The damage caused to seller by this malicious and illegal conduct of McLaurin is enormous, and
is compounded by the day.
Given your position in Bet Tzedek, in Adat Ariel, in the Ziegler School of Rabbinical Studies,
and statements you make on behalf of Bet Tzedek, and the little that I know about your
education, I cannot believe that had you known any of this, you would have let it stand one more
minute.
In the letter to Mozilo, as an immediate relief, I requested that an authorized Officer of the
Corporation make two statements in a declaration that would be submitted in court. These
statement,>, which I am confident are true, contradict fraudulent statement,> and assertions
repeatedly made by Maria McLaurin and her associates in court since November 2006. These
assertion form the core of the litigation. If the true facts in this matter arc clearly articulated by
Countrywide, and if Maria McLaurin is barred from any further misrepresentation and fraud in
court, where she appears as representing Countrywide, this litigation would be over.
Joseph Zernik
Cell: 3104359107
* Countrywide here refers to CFC, Inc, and all its affiliates and subdivision.
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Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
OLigino~ MC33age
From: j z 12 3 4 5
Sent: OS/25/2007 04:58 PM MST
To: sandor_samuels@countrywide.com
Cc: Labbijj@adatariel.org
Subject: Fwd: Samaan v. Zcrnik -- Response To Your Correspondence to Angelo
Mozilo and Sandor Samuels
Mr Samuels:
I approached you as President of Bet Tzedek, where you represented your commitment to
fighting real estate and other types of fraud. Your response, through Mr Boock, appears
inconsistent with your representations as President of Bet Tzedek, and your standing in other
Jewish institutions, such as Adat Ariel.
Wouldn't it be the easiest case that Ret Tzedek ever resolved, if you made the very same
statement (9 words in total), in a declaration by you or by any other officer of Countrywide*.
Joseph Zemik
*Countrywide here refers to CFC, Inc, and all its affiliates and subsidiaries
X-WSS-ID: OJK7ZHI-OE-OPE-Ol
To: jzI2345@earthlink.net
Subject: Samaan v. Zemik -- Response To Your Correspondence to Angelo Mozito and
425 / 745
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Court File: "Volume IV Continued" I
Sandor Samuels
Chief Legal Officer
Countrywide
You are addressed here in an urgent call for justice by a person, whose life is on the verge of ruin
as a result of wrong and dishonest conduct by a Countrywide manager who is deliberately
attempting to subvert justice in the Los Angeles Superior Court under Countrywide's name.
You are the two individuals in whose person the safeguard of the integrity of the operations of
Countrywide is most clearly vested, and in whose power and authority it is to mend this wrong.
Rabbi Jonathan Bernhard, the Honorable R William Schoettler, and Rabbi Shusterman are
copied as witnesses to travesty ofjustice at various points along its way. Others are copied, since
426 / 745
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Samaan v Zernik (SC087400) Los Angeles Superior Court
Sandor Samuels is also addressed as the President of Bet Tzedek (House of Justice), and in his
capacity in other prominent Jewisll organizations in Los Angeles, such as Adat Ariel, and the
Ziegler School of Rabbinical Studies. Bet Tzedek is a not for profit Jewish organization
dcd icatcd to the cause of furthering justice through free legal services to the needy, and to stern
fraud - with real estate fraud prevention listed at a high priority. Bet Tzedek is a worthy
institution, and one that can proudly be held as a symbol of the Jewish community's contribution
to the reople of Los Angeles in particular, and the historic contribution of the Jewish
Community to American life in general. The work of Bet Tzedek was revicwed or mentioned for
their positive contribution to justice in the Los Angeles Times, NPR 's Market Place, the Los
Angeles Daily Journal , the Jewish Journal, and other publications.
In web pages of Bet Tzedek Mr Samuels states: "Whom do you call ifyou are elderly and
someone is trying to evict you from your apartment or your house?".. The answer to these ....
is a reJOunding Bet Tzedek! " (Attachment A ). J am not elderly, but a real estate fraud
perpetrated against me in the LA Superior Court by a Countrywide Branch Manager and her
associates, may leave me elderly and poor. In those web pages Mr Samuels expressed his
commitment to justice. and in this letter I call upon him to act based upon these commitments.
The biblical commandment "Justice, Justice You Shall Pursue" from the Five Books of Moses,
is featured prominently as the guiding words for Bet Tzedek . Indeed, that commandment, and
even more so the words of the Hebrew Prophets have becn admired over the millennia by Jews
and non-Jews alike "... To turn aside the needy /romjudgment, and to take away the right/rom
the poor ofmy people, that widows may be their prey, alld that they may rob thefatherless! "
Isaiah is probably the best known, in part through his reflection as a major influence on the
writings of the New Testament. Indeed. some of the figures that are held as beacons in the
contribution of the Jewish community to American law, followed the same path, and may be
eerily relevant to our matter:
Justice LOllis Brandeis - one of his best known contributions was the Brandeis Brief - claimed to be
the first brief in the United States that relied on analysis of factual data rather than pure legal theory to argue a case,
documented the negative health effects of employees long working hours.
Benjamin Cardozo - known bcst for opinions such as:
• Hynes v New York Central Railroad Company - about the Duty of Care of a large corporation in
relationship to individuals who were trespassers!
• MacPherson v Buick Motor Co. - which expanded Duty in Negligence Actions and redefined the scope of
Corporate Liability
• Berkey v. Third Avenue Railway - which removed the veil of complex corporate structures with
subsidiaries
Indeed, President Franklin Delano Roosevelt, seeing in Brandeis a model Justice, affectionately
nicknamed him "Isaiah ", and the metaphor of "City upon a Hill " for a just society, featured in
President Reagan's FarewelI Address, goes back through the puritan Winthrop and the Sermon
on the Mount to Isaiah as well.
I therefore also approach Sandor Samuels in the Spirit of the upcoming Justice Ball, on July
28th, 2007, the annual fund-raiser for Bet Tzedek , a model Jewish institution in Los Angels. I
wish Mr Samuels and Bet Tzedek a successful Justice Ball, and I was happy to see the list of
illustrious sponsors. No doubt Mr Samuels' tenure as President had a lot to do with that. Will
you gather to celebrate the protection ofJustice in LA, while under your watch I am being
427 / 745 !
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Samaan v Zernik (SC087400) Los Angeles Superior Court
robbed ill broad daylight oj my /tome and my saving because of illactioll by Countrywide?
I am the victim of Wire Fraud and Real Estate Fraud perpetrated by Maria McLaurin, Branch
Manager, Countrywide San Rafael, and her associates: Nivie Samaan and Victor Parks (none is a
Countrywide employee). Since November 2006 it appears that Att Mohammad Keshavarzi, of
Sheppard Mullin, is also a major figure in fabrication and coordination offraud in this case
(presumably all protected under litigation privileges). Samaan's fraud attempts that I am
personally aware of now were initiated in September-October 2004, but I was not aware of
these, and had no understanding of any of the related complex areas of the law, banking, and real
estate until December 2006!
Attempted Mortgage Fraud against Countrywide - government hacked mortgage lender, and
Attempted Fraud against Countrywide per se
These fraud attempts were initiated in relationship with the attempt by Nivie Samaan to obtain
mortgage loans from Countrywide, for the purchase of my residence, then listed for sale.
Countrywide is a government backed mortgage lender, and such mortgage applications were
based on the federally mandated and prescribed Uniform Loan Application (1003) (Attachment
fl. ). Samaan's 1003's were fraudulent in almost any conceivable way (Attachment B ). To top it
off, that loan application involved also an attempt at fraud against Countrywide per se - by
allowing Samaan discounted fee of 0,75% for no reason at all. That application, and its
underwriting process involved a multiplicity of Violations ofRegulation B of the Federal
Reserve (Fair Credit) and California Fair Credit and Fair /lousing laws and regulations,
primarily by Maria McLaurin (Attachment C ). Not to outdo McLaurin, the scheme also involved
Wire Fraud by Nivie Samaan and Victor Parks. Fraud and Deceit against Zernik were a minor
part of the original scheme, but moved to center field when the original scheme failed.
As much later tumed out, Samaan and Parks had an arrangement, whereby Parks, who at the
time apparently resided and operated from offices in the State of Washington, with corporate
ot1ices (Pacific Mortgage Consultants) in northern California, not far from San Rafael. Parks
allowed Samaan and Lloyd to broker Samaan's loan with the San Rafael Wholesale Bmnch. To
facilitate this scheme, fax transmissions sent to the fax number that was provided to us for Parks,
with an area code in Washington State (across State lines) were automatically forwarded to
Samaan's fax machine in the Los Angeles, California, area. It also appears that fax transmissions
that we believed had come from Parks, in reality originated from Samaan's fax machine in the
Los Angeles area. Please note that the elements of Wire Fraud, a Federal violation, include the
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Samaan v Zernik (SC087400) Los Angeles Superior Court
attempt at fraud, but do not require the actual success of the fraud attempt. And Wire Fraud
attempt against a financial institution may result in a prison sentence of up to 30 years (
AUac!zment D )!
Some of the early evidence of this scheme was presented in email notes from Michael Libow,
my realtor, on October \ 8 and \ 9,2004 (Attachment E). In these email notes, Libow repeatedly
demanded that Parks explain Libow's observations regarding phone number switch during fax
communications, that Libow first observed on October 18,2004. Parks refused to respond. To
facilitate the deception, Samaan operated her fax machine(s) without phone line and sender
identifications, in violation of Federal law and FCC regulations. Samaan also communicated
through such lines on behalf of Victor Parks her loan documents to Countrywide, for the
purchase of my home. Such an arrangement could not work with out implicit, if not explicit
approval from the Wholesale Branch. The use of unidentified fax machine for loan origination
and support documentation is not only in violation of the law, but also contradicts Countrywide's
own regulations and policies regarding the use of fax machine. Countrywide, a giant
corporation, has been involved over the years in a number of litigations over the correct use of
fax machines, and certain FCC regulations were written explicitly in relationship to the use of
fax machines by Countrywide. As such, Countrywide has developed specific corporate policies
and instructions regarding the use of fax machines. Given all that, it appears incredible, that
review of Samaan's loan file, obtained through legal subpoena from Countrywide, shows that
almost all the documents supporting the qualification of the Borrower, Samaan, and her
responses to Underwriting Decision/Condition Letters set by the duly assigned Underwriter -
Diane Frazier, originated from an anonymous fax machine, with no phone line number, and no
Fax cover sheet. It appears incredible that this worked, if we are to believe the loan file (
Attachment F] listed such anonymous fax communications found in Countrywide's loan file.
A few transmissions, also listed in Attachment F came from a machine explicitly identified as
Samaan's (Spellbound ). Our hypothesis, based on evidence not shown here, is that these
transmissions were all from an HP Laserjet fax/copier/printer, and Samaan routinely toggled the
settings on the machine between two identities:
a) Anonymous - when communicating on behalf of Parks, as a Loan Broker, and
b) Spellbound - when communicating as herself
But she forgot at times to toggle the identities, and therefore, we find several transmissions that
were intended to be from Parks, but carry the fax imprint Spellbound, and a number of
transmissions by Samaan as Samaan, with fax imprint Anonymous .
Of particular interest is the fact that one of the documents faxed with the imprint Spellbound I
dated October 22, 2004, was a corrupt, invalid Purchase Agreement and Joint Escrow
lm'tructions , the key document governing the whole transaction. Also of interest regarding that
transmission is the fact that it apparently did include a page I, that is missing from the document
as presented in the Loan File in response to subpoena. We believe that in this case there was
indeed a fax cover sheet possibly including incriminating infonnation. Therefore, this page was
eliminated from Countrywide's subpoena production in violation of the law. Countrywide's
sophisticated fax systems allow recovery of this missing document even whem the paper copy
was destroyed, and I expect Countrywide to do just that.
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Broker Document Certification is a key document in the loan file. The lender has no control of
the documents prior to arrival, and a valid Broker Document Certification provides at least
some limited guarantee for the integrity of the documents presented to the Underwriter. Diane
Frazier surely noticed such deficiencies and others that raised concerns for mortgage fraud.
Therefore, she included in the Underwriting Decision/Condition Letter of October 14, 2004, as
a condition, to be satisfied prior to loan approval - the receipt of signed Broker Document
Certification . But such signed Broker Document Certification was never received, and is still
missing in the Loan File. Maria McLaurin, after assuming underwriter authority on October 25.
2004, deferred this condition in violation of Countrywide's own regulations (below).
The facts regarding wire fraud can be corroborated by Michael Libow, my realtor. and by Joshua
Allcn Mailman, designated as my Expert Witness in this case (Attachment G ).
Ongoing Real Estate Fraud by Samaan, Parks. and McLuarin against Zernik
I. Fraudulent Inducement
I was not likely to accept Samaan's offer to purchase my residence in 2004. In fact, I first
responded to another offer. I considered a realtor representing herself as a higher risk offer, it
lacked qualification of the buyer by an arm's length neutral party. I also communicated that to
my realtor, and within a fcw days I was presented with an excellent Prequalification Letter on
Pacific Mortgage Consultants letter head, transmitted by fax, and signed by Victor Parks. Such
a Prequalification Letter is also required by the standard Purchase Agreement that was used in
this transaction. Two and a half years later, when I compared the signature on that Ictter with
signatures of Parks on his court declarations, I realized that there was no thread of semblance
bctween them.
The content of that Prequalification Letter had no 'base in reality, and the letter was not based
on a written loan application as required in the standard California Residential Purchase
Agreement and Joint Escrow Instructions, which Samaan signed to produce a valid offer to
purchase the house.
Who wrote and signed that letter? On what basis? I don't know.
Additional evidence for Fraudulent Inducement included the fact that Samaan listed in one fax
communication a stock account that she would liquidated to make the initial payment. No such
account ever existed, as she admitted in deposition. In another fax she related that she was a real
estate salesperson who closes a few deals a year. We later learnt that she had never participated
in any real estate transaction whatsoever.
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Samaan v Zernik (SC087400) Los Angeles Superior Court
Samaan was at that time a cosmetics saleswoman in a department store, represented to us as a
unmarried woman. After I accepted the offer on September 15, 2004, the story was changed, and
she was engaged, to be married within a few days in Hawaii. But later - in her loan applications,
she was listed (apparently by the purported newlywed husband who prepared the applications) as
an Unmarried Jf'omall purchasing the property as Sole Owner. Similarly, in escrow documents
completed in October, she signed on declaration that she was an Unmarried Woman. That
change after my Acceptance, effectively gave the newlywed husband the veto power at close of
Escrow. lfhe wished - he could provide a Quit Claim, otherwise, he could demand to be listed
as co-owner.
Are they married? Are they not? Why they entered this part ofthe fraud? I don't know.
In addition, Samaan was listed in loan applications as a President and Sale Owner of a
corporation - Spellbound Enterprise, Inc, for at least 4 year, with no other employment, and
with income of $400,000 per year from that corporation. Such claims are far fetched. The
corporation was established less than a year earlier, and according to its web page, engaged in
web retail sales of psychic and occult consumer products - "The Supernatural Superstore" -
provided Tarot cards, divining objects, anointment oils, and crystal balls.
The Underwriting process at Countrywide starts/with Phase 1. There is one document that is
clearly, unmistakenly absolutely necessary at this point - a valid, complete Uniform Residential
Loan Application (1003). There is no way that any underwriter could credit detenninations of
any applicant without a 1003, moreover, it is required by Regulatioll B . The 1003, combined
with: Countrywide's proprietary Landsafe Report, and an additional Credit Report issued by the
Loan Broker (in Samaan's case it was Coast Credit) ,are then processed via the proprietary
Clues Expert System to generate the Clues Report.
As it turned out, the compound fraud (funding of an unworthy applicant, and issuing same a
substantially discounted mortgage loan) was not as easy to pull off as the perpetrators assumed.
The local branch Senior Underwriter - Diane Frazier - repeatedly refused to issue credit
detenninations based on invalid Uniform Residelltial Loan Application 1003 showing major
violations of loan program rules. And the Clues Expert System was similarly uncooperative - it
issued a "REFER" detennination (Attachment H). Frazier later lost her job, in part as a result of
her conflict with McLaurin relative to Samaan's loans.
Not being able to issue a credti determination, Frazier, then issued an Underwriting
Decision/Condition Letter, dated October 14, 2004, and bearing her hand signature (Attachment
I). In it she made it clear that Samaan' Loan Application was temporarily suspended, and
Samaan had 10 days to provide new Loan Applications (1003) and other documents. The
conditions as listed by Frazier on 10/14/04 for initial approval are listed below, followed by
Samaan response, in Italics :
I) Acceptable explanation for discrepancies in employment address and phone information -
Samaan never complied with this condition, since her selfemployment was in fact a
fabrication
2) Approval by Corporate Underwriting Office, once a new set of triplicate copies of 1003 with
the 0.75% fees are provided by Samaan
The handling ofthis through Exception Request to Demetrio Gadi is described below
. 1
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Samaan v Zernik (SC087400) Los Angeles Superior Court
3) Pricing to be corrected to show the additional 0.75% fee -
Samaan /lever complied with this condition - she refused to pay the applicable fce
4) Samaan to show that she had already deposited $30,000 in Escrow
Samaan had not even paid that deposit yet. She wouldfulfill this condition after Escruw
was canceled.
5) Prov ide copy of the Purchase Agreement
10/22/04 - Samaan faxed a corrupt document ofunknown urigin, 10/25/04 - Samoan
(axed a valid copy
6) Provide 2003 business license showing self employment at same location for 2 years, or
equivalent from CPA
Samaan never complied with this condition - she eventually faxed a business tax
certificate, but it contradicted her employment data
7) Provide Bank Statements for Well Fargo Account to demonstrate availability offunds to
close.
Samaan never complied this condition - she eventually faxed the bank statements - but
then it turned out that the funds were in a joint account with her mother, who would not provide
her with a leiter stating availability ofthe funds.
The list above shows that out of 7 conditions for Initial Approval defined by Frazier on 10/14/04,
and which Gadi instructed McLaurin to uphold, Samaan would never comply with 4 until the
day the applications died through Denial by Countrywide and Withdrawal by Samaan - January
27,2005!
In discussing the Underwriting Letter of October 14,2004, one must realize that it is
misrepresented by both Samaan and Countrywide's Legal Department as the first underwriting
review of this application after its only submission. In fact, the adulterated Date Received
stamps show that there was another submission, and the duly assigned underwriter - Diane
Frazier indeed confirmed that fact. The Loan Applications were first received in San Rafael
around October 1-2, 2004. There was an earlier underwriting review of the application, and a
requirement was set forth for resubmission of valid 1003's. But in mockery of both
Underwriting and Regulation B , the response was to produce an instant resubmission within
San Rafael - take the old 1003's, cross out the Date Received stamps, imprint new Date .
Received without correcting any of the data, and re-scan them as a new application on October
12,2004!
Why is the Legal Department trying to cover this up, when the Loan File clearly shows the
opposite despite their sincere efforts? J can guess.
McLaurin then tried to bypass the local underwriter. She waited until October 25, 2004. Once
the loan was technically closed, she usurped Underwriter's authority, revived the application, and
in violation of Underwriting Conditions issued a referral to Division Underwriting Support -
Demetrio Gadi - for an Exception Request (~ttachmentJ) . That request was an additional
violation of Regulation B:
- it was presented with neither valid 1003 's nor valid Clues Report
- the annual income figure included in it was 10-fold inflated -- from the fictional $400,000 in
the 1003's to $4,000,000!
- credit determinations included in the request were simply made up, with no basis in sound
432 / 745 { (! ; I
._/'
)
Court File: "Volume IV Continued" i_ -t-
Gadi was most likely infom1cd by Frazier of McLaurin's chicanery well in advance. Careful
reading of his "Approval" communication shows that he really did not a~e anuxception at
ill. The borrower was to add the 0.75%, as previously determined by Frazier, and the borrower
was required to produce new, valid 1003s. Moreover, Gadi reenforced the authority of the local
branch underwriter and determined that the Branch Manager must abide by all conditions and
decisions previously stipulated by Diane Frazier. Moreover, he added new conditions that would
make it practically impossible for McLaurin to get that fraudulent application funded:
• A new Clues Report was to be issued prior to funding
• All documents had to be reviewed by a branch underwriter prior to funding following
Countrywide document quality assurance procedure.
• McLaurin to issue a non-delegated Mortgage Insurance at cost to branch, and
demonstrate a certificate in the file prior to funding.
In fact this Approval by Gadi, reads as a resounding vote of no confidence in the personal
integrity and professional judgement of McLaurin.
I had no knowledge of any of that in 2004, as the seller in the underlying real estate transaction.
But both I and my realtor were getting increasingly alarmed by what appeared as repeated
instances of dishonest dealing or worse and by Samaan's failure to perform. I was also waiting
for Samaan to remove her contingencies prior to making a large deposit on my next dwelling.
But Samaan failed to remove the contingencies, and I subsequently lost the dwelling that I had
chosen as next for me and my family.
By that time, the typical California real estate transaction, with its measured dynamic method of
contingencies, intended to equitably distribute the risks and liabilities as the transaction moves
along from Acceptance to Closing, was turned upside down. It was clear that the buyer would
not be able to close on schedule, but if I waited any longer, she could force me to close at any
time in the future, at will, regardless of whether or not I had secured an alternative dwelling.
And she could also cancel without an significant liability to herself, since she still had not
removed her last two contingencies (Loan and Appraisal).
Therefore, I issued a Notice to Buyer to Perform . In response, I received a letter from buyer in
which she explicitly refused to remove the last contingency (Appraisal), without any
justification. And Parks, the purported Loan Broker, was feeding false information to my realtor
at the same time. From October 14 to October 18, 2004, he never informed Libow, my realtor,
even once of any problem related to the Purchase Agreement. On the contrary, on October 18,
2004 he was communicating that Samaan's Loan was approved, the only remaining condition
being Appraisal Review. Neither couldn't be further than the truth - Samaan's loan was
temporarily suspended pending receipt of valid 1003's. But Samaan would never submit valid
1003's! And on October 19,2004, Parks informed Libow that Review Appraisal would be "in by
Friday", (that was Oct 22, 2004), when in effect, it would be almost a week before Maria
McLaurin would first take over underwriting and order Appraisal Review - in violation of
Underwriting Conditions.
Indeed, Samaan already had in her hand an appraisal that came in at sales price, and lacked any
433 / 745 f \ , J
Court File: "Volume IV Continued" , '
Samaan v Zernik (SC087400) Los Angeles Superior Court
loan approval. But in response to the Notice to Perform, she removed the Loan Contingency,
and refused to remove the Appraisal Contingency. Her actions in this regard, and even more so
- the justification she provided in a letter, appeared as yet another dishonest dealing, which in
retrospect they surely were. I then acted within my absolute right and issued Instructioll to
Cancel Escrow.
In short - the loan file indicates the following double history by the time it was produced in
response to a legal subpoena. Needless to say, creating false loan history is another violation of
Regulation B :
Date True History Revised History
I) October 1-2 ? - First submission - October 1-2, 2004? Records eliminated, stamps crossed
out
2) Early October - Underwriting communication requires resubmission of valid 1003's
Records mostly eliminated
3) October 12 - Mock resubmission Now presented as the only Date
Received
4) October 14- 1st Underwriting Letter Prior Underwriting documents mostly
eliminated
5) October 14-25 Ten days allowed to correct 1003's etc Samaan again refused to resubmit
valid 1003's
5) October 25-29 McLaurin attempted Exception Request
6) October 29 2nd Underwriting Letter - Conditional Approval
Original Approval Conditions still not
complied with
6) November 3 lrd Underwriting Letter - Conditional Approval
Original Approval Conditions still not
complied with
7) Jan 27, 200S! Denial of the 2nd lien loan by Countrywide Samaan tried last minute
Withdrawal to avoid Denial
These events in 2004 may appear to some as solely an attempt at fraud against Countrywide,
facilitated by a Countrywide Branch Manager. But in effect, the Purchase Agreement stipulated
that buyer "shall act diligently and in good faith to obtain designated loans ". Therefore, the
fraud was also against the me, as seller. I wanted to sell my house and move in 2004, my life has
been since disrupted, and I am under constant extortion by Samaan as a direct result of that fraud
attempt against Countrywide.
From October 2004 to October 2005, Samaan issued various threats, but waited a year, and when
real estate continued to appreciate, she filed suit for Specific Performance in October 2005, and
immediately placed an abusive Lis Pendens on the property as well. I was instantly left without
any control of my own property, my own finances, no access to my own equity even to finance
my own legal defense against a malicious prosecution, and with no control of my own time of
day for that matter, with frequent court appearances and rolling Ex Parte threats that are
deliberately aimed to harass. I am not able to sell, not even to enter a long term lease, and surely
not to refinance at a time of concerns over swinging interest rates. By now, the property has
appreciated over 30%, but Samaan is demanding to obtain it in a 2004 price! And in between, I
had to defend myself against a malicious prosecution that has completely disrupted my life.
434 / 745
Court File: "Volume IV Continued" i\
Samaan v Zernik (SC087400) Los Angeles Superior Court
In November of 2006 I filed a Motion for Expu/lge of Lis Pendens. But in what was probably
the most stunning episode in this whole tale of fraud, Samaan's husband and her counsel,
Mohammad Keshavarzi. companions in fraud under Sheppard alld Mullill name, were allowed
to produce, in what was at best an abuse of discretion, a new set of documents, never produced in
a prior subpoena in an Ex Parte Sur Reply. These documents included:
I) a new Ullderwriting Letter, dated October 26, 2004, never produced by either Countrywide or
Samaan
2) a new letter from McLaurin, endorsing the new Underwriting Letter, and misinterpreting it for
the judge.
3) a new copy of the Purchase Agreement and Joint Escrow Instructions, never seen before,
never earlier produced by either Countrywide or Samaan
4) a new declaration by Parks
5) a new declaration by Keshavarzi
And a whole new history was made up for the loan approval process:
I) October 14, 2004 - Samaan's loan application was suspended because of missing initial(s) or
signature of seller on the Purchase Agreement
Which one? it was never specified
2) October 22, 2004 - Samaan asked Mara Escrow for a copy of the Purchase Agreement, but
received by fax a copy missing my signature and initials
That was a fabrication. Mara Escrow faxed Samaan (they thought they were
(axing Parks) a copy bearing my signature and initials.
3) After October 22, 2004 - Zernik signed the Purchase Agreement only after October 22, 2004 -
That was anotherfabrication. The copy ofthe Purchase Agreement, forwarded
by Samaan on October 25, 2004 (it came with afax cover sheet identified as Parks) shows my
signature and initials, a fax header imprints show that it is the copy fhat was faxed from Mara
Escrow on October 22. 2004.
3) It was Zcmik who prevented Samaan's loan from being funded by denying her that
initial/signature.
That was of course another fabrication. If one is to name three reasons Samaan's
loan were suspended [ would lists: a) missing valid 1003's, b) missing documentation of funds
and bank accounts, and c) conflicting Residence and Employment data the flagged Samaan as a
potential fraud case by both the Clues Report and the manual Uniform Underwriting
Transmittal form.
It is sufficient to read the correspondence betwecn Libow, my realtor, and Parks, Samaan's Loan
Broker on October 18-19,2004 (Attachment E ) to see that this fabrication had no base in reality.
Parks, in all communications with Libow, never asked for such initials or signature. And Mara
Escrow did fax Parks a valid copy upon his request on October 22,2004, but Parks failed to
provide it to Countrywide until October 25,2004, all well after I canceled escrow.
I first came to realize that something awfully wrong was going on in November 2006. After a
few months of intcnsive learning and investigation, [ finally rcalized that all five documents
listed above, introduced by Keshavarzi and Sheppard Mullin in November 2006, and some
others fi led in that hearing as well, were all products of fraud, a full collaboration between
435 / 745
Court File: "Volume IV Continued" i i,
Samaan v Zernik (SC087400) Los Angeles Superior Court
Samaan, Parks, McLaurin, and Keshavarzi. Keshavarzi, Samaan's attorney, described such
allegations as "compiracy t!teory ".
But I repeatedly demanded that Countywide explain how suddenly, in November 2006, a new
Underwriting Letter appeared for a real estate transaction in 2004, after it had been consistently
missing from the Loan File in four (4) repeated subpoenas! And Countrywide eventually
produced in mid April 2007 a series of documents recording Procuremellt of Perjury including
the newly emerged Underwriting Letter and McLaurin's letter that introduced it to court (
Attachment K). With that production, the Legal Department repeatedly claimed, and stated in
writing as well, that all documents related to Samaan v Zemik were produced. Now we arc 2-3
months later, and it was obviously a deceptive claim,
But the Underwriting Letter of October 26, 2004, newly emerged, was not a valid Underwriting
Letter at all. It did not reflect the true loan underwriting process as of October 26, 2004, and it
did not say anything about suspension on October 14, 2004, as a result of missing Zernik's
initials or signatures as claimed by Samaan in court. Yet the Legal Department has consistently
refused to provide any statement to counteract the harm done by McLaurin's fraud, while
McLuarin appears in court as a spokesperson for Countrywide. Instead, the Legal Department
has repeatedly hid behind the irrelevant and false claim that it had complied with its response to
a legal subpoena, and with it appeared that it had considered it fulfilled its obligations.
And then by June 2007, I discovered that already in early April 2007, in response to
investigation by a Federal agency, Countrywide had engage in correspondence that contradicted
McLaurin's claims in court. Countrywide claimed that Samaan's loan would never would have
been funded, regardless of seller's cancellation! Those documents were omitted from production
in violation of the law.
At present, it appears that if allowed to continue, this case will surely bring me to bankruptcy -- a
case that represents everything what Bet Tzedek 's mission is to prevent - real estate fraud
perpetrated against a lawful owner by professional crooks. A Countrywide Branch Manager,
which I have never met in my life, and with no discernable reason, has been trying to harm me
by enabling and facilitating fraud by Samaan and Parks against seller, which by now totals
hundreds of thousands of dollars. Together they have scuttled my life plans, and are threatening
to drive me to bankruptcy. I have already been forced to open retirement plans to finance my
defence in a malicious litigation where McLaurin is obviously an accomplice, and Countrywide'S
Legal Department's role is still to be determined.
Attorneys for the Legal Department clearly show no interest in the fact that a Branch Manager
attempted fraud against the bank. In fact attorneys for the Legal Department have been trying to
cover it up by producing partial responses to subpoenas, and at times making deliberately false
representations to the fraud victim. In their most recent email (below), all that was denied. But
in the very same email note was the statement that first made me aware that Countrywide
436 / 745 .,
Court File: "Volume IV Continued" /
Samaan v Zernik (SC087400) Los Angeles Superior Court
I I\
engaged in an internal investigation that found my allegations "WithOllt merit ", which had never
been produced in four (4) subpoena productions!
That fact alone shows that my allegations were not "without merit ". for one, I have deciphered
most of the documents in the loan file, and otherwise, months ago I managed to get hold of the
local branch underwriter, Diane Frazier. She confirmed my concerns, and provided me with
invaluable data in understanding some of the missing links. She also provided me with general
information regarding loan underwriting in the San Rafael Wholesale Branch around 2004, that
allowed me (combined with some estimates from elsewhere) to make some estimates of the
scope of fraud conducted in that branch.
My estimate is that Maria McLaurin was single-hand ely involved in facilitating about
$500,000,000 per year in fraud against a government-backed mortgage lender, by effecting
the approval of outlandishly fraudulent mortgage applications that the senior underwriters
refused to approve, even under constant pressure.
Of interest, when I last tried to call Frazier, a man answered the phone, who warned me that I
must never call her again, since she promised Countrywide never to talk about these issues. If
ever called her again, he promised to "come down to LA and gun you down". We
subsequently tried to serve Frazier with subpoena for deposition, but it vanished, had abandoned
her residence within days after my last phone call with her, nowhere to be found. In our last
phone call she doubted that anybody "could bring Maria McLaurin down. "
In SUbpoenas and Meet and Confer I have repeatedly asked for any Internal Audit, Extemal
Audit, Security or Imaging Reports, or data independently gathered from Pipeline Reports for
the relevant months, to corroborate the data in the Loan File. The Loan File, as produced by the
Legal Department, was obviously intended to deceive. There was no way to construct a
coherent, internally consistent underwriting process out of the material in the Loan File as
produced. And despite the intense effort to eradicate conflicting evidence, it still shows that
Samaan's loans were submitted and reviewed prior to October 12, 2004. But attorneys for the
Legal Department repeatedly engaged in deceit, claiming that I was asking for records that were
"non-existent". That claim was repeated even in the recent note .... last week (see below).
None of the extensive email correspondence related to this loan file was ever produced. Such
email correspondence would surely provide much of the missing information. McLaurin herself
explained to me by phone on December 2006, that she had been personally involved in preparing
the original subpoena response, and that she had concluded that Countrywide was not obliged to
produce such digital records in response to legal subpoenas. Instead, Countrywide repeatedly
produced an invalid empty paper form titled "Conversation Logs, San Rafael Branch If. Already
months ago, Diane Frazier informed me that such paper forms have never been used in San
Rafael at least as far back as 1989, the year she started working there.
It is also obvious that critical fax cover sheets or transmittal letters were consistently eliminated
from the loan file. The reason, most likely is that they would have shown that which is obvious -
that Samaan brokered her own loan with the Wholesale Branch, in defiance of the law and
Countrywide regulations. I know enough about Countrywide's systems and practices by now,
437 / 745 I
Court File: "Volume IV Continued" 1'1_. ~ •
(
I \\ .# 'i.
The buyer, who in 2004 had a check for a $15,000 deposit bounce twice for NSF, has now spent
by some estimates around $200,000 on legal fees. And strangely enough, attorney Keshavarzi
seems particularly interested in protecting McLaurin, the Branch Manager, who is not even their
client. [£1 return, the Branch Manager supplied buyer with fraudulent claims, fraudulent bank
documents, and made statements and declarations in court that form the foundation of this
malicious prosecution.
The damage caused to me by this malicious and illegal conduct of McLaurin is enormous, and is
compounded by the day.
I sent last week a couple of email requests to Mr Mozilo and Mr Samuels marked "Urgent", and
"Personal". I have nevcr heard back from either of you. Instead, I am got a recycled obfuscating
response from the same Legal Department attorney who has been deceiving me for almost a year
now, claiming that Countrywide complied in full with Legal Subpoenas, etc. It is the same
attorney who used a claim of pious observance of the Jewish holiday of Passover to avoid
showing up in Court to defend his position. As a father who raised his children in the Jewish
faith, I found that particularly offensive and despicable.
In a previous letter I have reduced my request to a declaration of nine words by an officer of the
corporation, a repeat of the statement that I was informed by Thrift Supervisors (Federal
Banking Regulators) was used by Countrywide to fend off investigation into this issue:
Samaan's first lien loan would never have been funded . In response I got a refusal by the same
attorney.
I would still like to believe that I would get a positive response if you knew the facts in this
matter, which were therefore provided here for your review in rather great detail. I still believe
that those who would be hosting the Justice Ball later this month, celebrating with many in the
law community, would not allow this to stand.
/
438 / 745
Court File: "Volume IV Continued" \\ ;j /
I
Samaan v Zernik (SC087400) Los Angeles Superior Court
COUNTRYWIDE SUSPENDED DECISION ON PLAINTIFF'S LOAN APPLICATION
BECAUSE ZERNIK HAD NOT SENT THE FULLY EXECUTED PURCHASE
AGREEMENT. SUCH SUSPENSION TOOK EFFECT ON OR AROUND OCTOBER 14,
2004. SUCH SUSPENSION WAS EVIDENCED BY A DOCUMENT PRESENTED IN
EXHIBIT #24 IN OPPOSITION, AND AGAIN AS PART OF EXHIBIT #28 IN THE
SUR-REPLY.
Following arc some examples of statements (in quotes) from offending filings that resulted
from this fraudulent Countrywide document, followed by my statements describing the
true facts in this matter:
a) Plaintiff, through her Attorney of Record, in the Sur-Reply Brief p7, referring to Opposition
Exhibit #24, stated:
"The following week, on Friday, October 15, Parks learned that the lender was suspending a
decision on the loan because defendant had not yet provided Parks with a signed Purchase
Agreement (Parks Dec I ~ 11, Exh 24)"
This statement is repeated numerous times, but it is false and deliberately misleading. Exhibit
#24 is an invalid, false and misleading document.
b) Victor Parks in his declaration in the Opposition to the Motion (Exhibit #100), p5 states:
" II. The following week, on Friday, October 15, I learned that the lender, Countrywide was
suspending a decision on the loan because Zemik had not yet sent me the fully executed
Purchase Agreement. Attached hereto as Exhibit 24 is a true and correct copy of Countrywide's
notice which states the reason for the suspension."
The document presented in Exhibit #24 is an invalid and inadmissible document. Att
Keshavarzi tried to get it authenticated by Maria McLaurin, Bank Manager in Countrywide (
Exhibit #105). She refused to do so (Exhibit #105), yet he included this document once in the
Opposition, Exhibit #24, and again in the Sur-Reply, Exhibit #28.
This document was never included by Countrywide in subpoenas as part of the Underwriting
Decision/Condition Letters. It was not part of Countrywide's Loan File.
This document was created on October 26, 2004, and not on October 15 or earlier, as implied
here.
This document never stated the reason for the suspension as claimed in the previous sentence of
Parks' declaration.
The claim in Paragraph II, af\d Exhibit #24 are false and deliberately misleading.
d) Plaintiff, through her Attorney of Record, in the Sur-Reply Brief p3, and Exhibit #28,
stated:
"Second, to remove any doubt that Countrywide suspended Samaan's loan because it had not
yet received a signed Purchase Agreement, attached hereto is Exhibit 28 to the Supplemental
Declaration of Victor Parks. Exhibit 28 is a letter from Countryside to Victor Park, dated
439 / 745
Court File: "Volume IV Continued" , ,'" .. -
Samaan v Zernik (SC087400) Los Angeles Superior Court
i. __ 'I-.
il t ~¥
November 6, 2006, confinning that Countrywide did, in fact, cancel Ms Samaan's loan because
defendant had not yet provided her with a fully executed Purchase Agreement."
This statement is lacking any valid evidence. This statement is false and misleading.
This fraudulent Underwriting document, together with Maria McLaurin's contributions have
since become the corner stone of this malicious fraudulent prosecution. They are now featured
prominently in an incredible Motion for Summary Judgement, pending hearing in a few weeks.
Mr Samuels and Mr Mozilo, you have been provided by now with sufficient materials to
figure out the situation. Uyou need any additional documents, please let me know
immediately. Lack of action by you would surely permit further fraud. This perversion
and subversion of justice has proceeded uninterrupted for months in the Courthouse in
Santa Monica! It is time to bring it to an end.
Mr Samuels and Mr Mozilo, I call upon you to uphold your personal duties to safeguard
the integrity of operations of Countrywide, and immediately stop this illegal conduct by
McLaurin and do all that is necessary to ensure that I am protected from any continuation
of this malicious, harassing prosecution, to the degree that it is reliant on Countrywide
employee, Maria McLaurin.
Left uninterrupted, this malicious prosecution, based on fraud, will surely rob me of my
savings, and ruin my life. It has already caused my to neglect my business, my children,
and social obligations. It has caused me enormous financial losses, relative to my means,
and it promises to leave me bankrupt.
Given Mr Samuels position in Bet Tzedek , I call upon you to respond to the simple
questions below, so that I may remove this abomination from the LA Superior Courthouse
prior to the Justice Ball !
I) Was this document a valid true and correct Countrywide Underwriting Letter?
2) Was this lctter dated October 14, 2004, as was represented in Court?
440 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
{
11\
Todd To
BoocklAttorney/Legal/CF/CCI
ee
07/05/20070726 AM
bec
Subject Fw: PLEASE ASK SANDOR SAMUELS TO STOP REAL
ESTATE FRAUD
To: jzl2345@carthlink.net
Cc: sandor_samuels@countrywide.com
441 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
1J
') 'V
I
ON3
442 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
•Jae Arre 'J .R.' Lloyd"
~
To "Maria McLaurin· <Maria_Mclaurin@Cauntryvvide.com>
<jrlloyd@Sbcglobal.net,.
cc
1; 103(200603:21 PM
be:
Subject Samaafi Suspense from Countrywide
Hi i";ar i<'..
n',ank you.
~
Atlachedl.rOf-
69-f
443 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court :\ .-'
f1i)'4 ~~~f:O,:T If ':CQ4 1)5US' ?/1.'O 6e3~870d65 '
Lo"-,, num.o..r a1731315 has been re?i."""<l "to ~he following 'teLU' fer blIVI>; SAMMI'l,
l"., P"'I/ram: I<t: 5/1 I.:I:BlI. AlQ( Inter•• tOnly ~Typo: O'R1iBR occup n:o
~TYl"': R£DUCZD
Aoonao T\'>'O, PVRCHJ\Se; ..... Q<a<;o: W/A
Property Adh..:32 0 S P!:CP: OR CA-.d:t s..oc:rr.: 123
BIWERJ.'t R:LLS, CA
~~~
L 314,400.00
l'WalwdV.1utI
0.00
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1.118.000.00
LTV.cLTV
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lo..J~R41o !liar! R.lo Roo ..... "'" 0ILePl<
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,10.500 :5.~00 0.000
,.,.."",......"-.,, --
I'. . .•
• . 4 61
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3lQ N~t No. of Moa. 0
1h~s l~an ha~ b~en SUSP~NDEO un~il ~e following in£c~tion is provided. ~Q ~uAt ~ee~ive
tni, ~nfoan"L1on by lO/2!>12004. Ie ~" do not. rece.ivc i.t by that dat.e, we lllU-,t elo".. the file
for Lnoompl~ten~~a. Wh~n we rec~ive the in£OrM~t~oo, we ~ill review che file for further
det'_ennin..ltition.
Corp approv~l req:i'd, foe th..1. fIlInh,a.·"Io.d p.roqraa '-II • "'1'S~ ~dded to
2' PrJ.c.l.nr; to OIJ c:orle-'ct.ed t"_o ",how. ')54. 'a4e:t 'Co t~ !o~ t.tll~ ~C1h.nced
.xCftption pro~z~
C1Q510q docu~n~s ~tll b4 ~~ AV.1~.ol~ .n.n tne f~l1ow1nq coQdit.lo~$ are ~et:
$1. l1G. ~CO proqraJll quideltn.. <It po't to bnlr. will n..... ~ .ft.. "
I
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444 / 745
Court File: "Volume IV Continued"
Iv i ,.
Samaan v Zernik (SC087400) Los Angeles Superior Court ,
(:) ;~
IJ11E:OC 26 20C' . C::4 :53/NC, 5334870666
.~ ~Ll~ De ohle to func your l~n when t~ followin9 :ond~cions arc ~~t (~he8e ~tC~2 will .~.o 4ppe4C
0C\ YQ~r clo!tn9 i.nat.xvet.i.O:'l8):
1.1 collect .5400 APpra.!.!tAl fl.1d re:vie-w fc-e t:rOf'. bT'Yr 1" ~.cr~
thank you for ,~bmitCiOQ your loan to ~uD~~i~, ~ricat~ "hole831~ Len4e.t Nt s1ncer~lv .p~~cla~~
rh~ toll<Yt<U\q cond.l~i()n. have M_t1 ....t.i.Cied 1l1J\~ a..!'fl _hom hllre lor ret~renclt' only:
P...:-vlde O~f b\l:tt.n.:s:s l.ic~n.... QC CPA L4't.u~r ~r'~:tyJ.h"J C1J,.¢'4 ).ASt. '2
}'r3 lO~Q't. 0...$ :soel! f':«rployed .&rH l::>c«t.i.QQ
38P
445 / 745
Court File: "Volume IV Continued" ,
.1" I , .I
Samaan v Zernik (SC087400) Los Angeles Superior Court /'i
/ .'
I
"MOe Keshavarzi"
~
To maria _mdaurin@counlrywide.com
<MKeshavarzi@sheppardmull
in.com> cc
1110612006 03:22 ?M bee
Subject S-imaan letter
Marla,
Attached please find the declaration and letter. I would reaily appreciate your help, as we are only asking
for the document to be authenticate<! If you have any questions please let me knoW, If it Is acceptable to
you please sign and fax it to 213-44:'>-2910. Thanks again.
<;<DOC. PDF»
Moe Keshavarzi~ Esq
Sheppard Mullin Richter & Hampton, LLP
333 South Hope Street, 48th Floor
Los Angeles, CA 90071-1448
Direct Line: 213..{3 17-5544
Fax: 213-443-2910
Email: mkeshavarLi@shcppardmuliin.com
This message is sent by a law firm and may contai~ infoL~ati6n that is
privileged or confidential, I~ you received thi~/transmis5icn in error, please
notify the sender by reply e-mail and delete the message and any attachments.
Sheppard, Mullin. Richter & Hampton LLP
~1'1
446 / 745 /
Court File: "Volume IV Continued" , \
51) Home Loans, Inc, the'branch that processed Ms. Samaan's loan (loan number 81737375).
61' In or around October 14, 2004, Countrywide suspended Ms. Samaan's loan because
i . Countrywide had not yet received a copy of the fully executed purchase agreement.
sllo. Attached hereto as Exhibit 30 is atrue and correct copy of the letter that Countrywide sent
9 Ito Ms. Samaan's broker, Victor Parks.
10 Ij
11
I declare under penalty of perjury under the laws of the State of Califomia
13
->.
15
J6
17
Maria McLaurin
18
J9
20
21
22
23
24
25
26
27
28
-1- . I
W01.WP.S1~lMM1:.I~1fIlS:.!
DECrjRATI6]'{OFM,.~.R1A MCLAL'RIN .1.
~
447 / 745
Court File: "Volume IV Continued" \ i/.
I
/
'1
Samaan v Zernik (SC087400) Los Angeles Superior Court
11/0612006 12: 56 FlU 21:11>30' {:'OOl
--
ATTORNEYS AT LAW
48th Flocr I 333 South Hcpe Sm.et I
21a.Q20·HBD otrlC" I Z13-020-1398 fax
I
AA9"1<=3.
www~he;Jp.rrimu/[jn.evm
e.. . 9OG71·1446
448 / 745
Court File: "Volume IV Continued" , . /-- -/ .
.' \ ./ (
Samaan v Zernik (SC087400) Los Angeles Superior Court , I
11/061200& 12:56 FAl 21JSJU QJ 002
Ph01\~; (HSl251~270l'
Pox' __ "
It you htIvu qUQllfione about lhl4lattGr, p / _ conbod U~ "10 tl>.. pncn~ nW\ll:>~r ~ov.,.
·!.oM nw<b.. " 81731315 hae M('fl r.v;'g",..o at; the f"~lo"inO" lORrn>.9 foc IlttVI£. ~N<NIN:
t.-n ~--.... ..c. IS/"J. ;r..:r:EQl. Ai>K J:ntarertOnly ~T)Il><l: O'lll'Ial. o.."CU?I ~D
~nT)'pI&; RZ.Ov<;£rl
"""""" i7PO; "'1,1J'i:I'~!: AIol<a-: N/"
"'-11 ......... ~:#0" ~ .r~CI\ ~ ~S<uno' 123
wei<; I:xpiratlon
90212-3715
Da"tc:
f'1<><-lr Tno; s ,It
Lt.n PcwIdMt. Fir3:t:
~~~;:"."
1,374,400.00 O. 00. 80.00 I 90.00
-
~UIJliZ"lV - Ellen ReM
Oloo: PI<
10. SOO 5.500 C.COO O.OCO
. T-"J ,............nt1'.""'V!.
'.
Cl01Ulq dQ"","~~; v1..l1 b4> ..... d.., "v~~l. ~U>" '("J.l~!1 ~H"", • ....,......",.
~---..- --....------
MPl'AUIlL-A~ n= ~ \":0 S"rl'Ol\T 1-..--1
5 c:tlIu\£=/r.;;:'£nl003 (~.UlQ:-.t:<-aAn:)
tho.. type of b4.iP4."
I!IIIII
• to , •. J \ • IJlll.J.Jm
0631007026.3
de2
449 / 745
Court File: "Volume IV Continued" , .;
Samaan v Zernik (SC087400) Los Angeles Superior Court ~ •...,. IV j//
11/06/2006 12: 56 FAX 21.>8.>0: l4Jao3
'~
''-/
w~ ..... u.3o M 4.bl~ ~o tund. your 10lnl .'hi!r. t.b*" £.ollovi~ aQt1d..1;)..cm.'!l IJ~. Ine~ (l:.he~ ,l~~1 tdl..l Neo Cl,P'PCc..
on ~O'Ur c.1Q::blq 1.ocat:.ruc::t:t.('MS) t
...
Con~uQ.O~ cll:nc ... i.-;;.A ~ .at S171100 .t. p:rov.t.d..c J')ot.e;
ThAn1< yo" tax ruRnitti.l"l your 10."" lOb C<>un~..,...ld~, ~t,.a '0: Wtw>lHA.l.c ~:;! II. "1n""r<Ll.y·"f'(u'<"oc.i.....
your bU'llnoa!J.
th.. toU01I1.nq condlcio~ h.-v.. boC:~ g.:l..t..1.:Itied AI\<! 4:1%"w :.:ho"'h. h_1;;A Un: ·to1'o~ onl),:
Co":l.l.~to,, r..~/c-....~
-:---,-~,-...-',
BQiUlOIIlIT-it MU TrW &XP LAWi'ttOM iC&GNW neG _ _
.a.ecept.ab..l't" -nqJ),f1n_t1Qb \llaY bu.-.tnoall j,q (11 reVe:r-,:«:- $.t: oP. ~., So
JU.tX"ed. ~ ~ .....
rro:;rvlde 03· Pu • .Lo~tJo Lit?rn:lC' ox, ~r,. It't.t:.~r "..r1.:t"Ytng ::11 ..d 'U3t to
OSS10~70213
og~
Fax
To: f!1 0 e r< eshttVt1Vz../· From: Maria Mclaurin, Brcmcll Manager
• Comments:
), /, tfcJ3 ~ ,q/O
Confidentiality Notice: The information contained in and transmitted with this communication is strictly
confidential. isintended only for the use of the ifltended recipien~ and is the property of Countrywide
, Firlaocial Corporation or its affdiates,'and subSio'ianes. If you are not'the intended redpien~ you are
hereby notified that al1Y use of the information contained in or transmitted with the communication or
dissemlna~n. distribution, or copying of fhiscommunication Is strictly prohibited by law. If you have
received this communication in error, ple~se immediately notify the sender by email or telephone and
delete the original message or arty copy of ~In your possession.. Thank You.
~15
451 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court lv
r~,C ",A.rid
~ OUn"I.JVVI e'~
AMERICA'S WHOLESALE LENDER
(415) 257-2700
(415) 259-0866 FAX
November 6, 2006
"
Victor Parks
Pacific Mortgage Consultants
Mr. Parks,
This is to confiml that Countrywide Home Loans processed the above referenced
mortgage application on or around October 14,2004. The loan was Suspended pending
receipt of a copy of the fully executed purchase agreement. Attached is a copy of the
letter issued by Countrywide Bome LOans.
Thank You,
j1~/Jfv)?~
Maria McLaurin
Branch,Manager
31(P
452 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
-,.
' " {'
Iv ,/ (I,
,
~rica'. Wholosal& Lendar
II yOU havo queatlons about lhllllOUCOf, plllQll9 c;onb>ct U!I At th4 phone nultlb,,~ abo"'"
Loan nunio"r B113737~ ha. been ro:"ievecl at the tol1owinq tecru for IlI"n: SAH>-;\.r<,
for inco~pl~t~n~3~~ When we r~ceiv~ rhe Lnform~tion, ve will re~ew the [tL~ tor £ur~hec
deter~in3tion.
_ _ _ _ _ _ _Co~~fon
Condttton _ _ _ _ _ _~c!Co~on~.
_ _ _ _ _ _ _ _ _ .tro..-. ..:- ... ... _ _ ... _'__:._
]
~_:.._ ~_
CO-S:}) APF(JV..l, r_q·d tor 't.h.1_ "OhAnoed .pl'lM)'%.... tI}' • ,.,., added [,,0
Pr.1c:lnQ: to 1:. corr'eet~ to show ,",$\ Add [.0 te-.e ~or ~hlll 'C'nh.pO'e'd.
Cloe.lhq d(1CW1l..nt$ will b4 .ro;.d....... v.ail.a.ble ... hcll. th~ tOllo"in~ oot\d1tiono AXe: in~t.:
2E281-ull (QSO)<!ld!
1111111
·'~~.'1·
11111111181011110
311
453 / 745
.
, /
to'
Court File: "Volume IV Continued" , \ , . "
Samaan v Zernik (SC087400) Los Angeles Superior Court f '~
\.oQr t: 8113137:; 8omJ_. Nomo< SlI.'t'.Nl, NrvlE
I
~
H
l.1& "'111 b"'! able to lund )'Q\J:' l(),;lf" """hen t.n.t !ollo'lt'1(l9 cond.:.tion3 arf: ~t (thc:l'lll: H.:.eltl.! wl11 al.,o "~li::ax
1
ThAnk yau fox ,ubmjttioq you~ loan ~o coun~~io~, ~=iCO'5 "hOl~&ale Lender~ W~ slnc.r.ly appr.ci~t_
your bo!'in~g!i.
The toUo"'1.n9 cooo~t.10n~ hbV~ boeetl bat1.s;t:1ed and AIM 1hOW'tl n.ro for refel'~C'e only: r
n...~c/C~t:l'
COC1ditiQII
--- - -~~-------------
80~.ft IlIRl~ f"~I.ANATIOK
... _---------------~----~-_
REGARDING _
h.J,!.r;-eQt t...J\.
(P~9~ Z ot 2 10/25/200110:4(:52)
• ~RlT'»:;OE~LErlEl Wl!l
~,.".u.:/')G.'<>oC1
454 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court L:.".. ;\ /'(
j
j
j
j
j
455 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court j
3) Could this letter possibly be transmitted to a Loan Applicant and/or her Loan Broker in its
current form on or about October 14 or on or about October 15 2004? Or for that matter - on
or about any day prior to October 26, 2004?
5) Isn't the person issuing such a letter required to hand-sign such a letter following
Countrywide's own manualfor faxing Underwriting Letters?
6) Did Diane Frazier hold true Authority for underwriting Samaan's loan on October 26, 2004?
7) Did Maria McLaurin hold true Authority for underwriting this Samaan's loan on October 26,
2004?
Joseph Zemik
* Countrywide here denotes CFC, Inc. and/or any and all of its subsidiaries and affiliates
cc:
Rabbi Jonathan Bernhard
Attached:
To: jzI234@earthlink.net
,Cc: sandor_samuels@countrywide.com
.I
457 / 745 f
ON3
458 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
"Jae Arre 'J.R.' Lloyd"
~
To "Maria McLaurin· <Maria_McJaurin@Countrywide.com>
<jrlloyd@Sbeglobal.net>
~
cc
11/03/;JOG6 03:21 PM
bee
Subject Sa'ri1a'';M Suspense from Countrywide
Hl Mal i~..
Thank you.
~
N1acred1.PDF
,\
beeN
459 / 745
Court File: "Volume IV Continued" "
Loan ou~r 81731315 ha~ bean re?i~v~ ~~ the £o~lowing ~9~& for NlV:E S~~N;
. - -.- - -a
9C212 -),15
Dd:.e:
F'rooerty yype' 5 tR
u..'I~1tion.. fl,£~t
~
loonAmounl
1,314,400.00
0uU IIytng RaW
,--_V.I""
0.00
SboI1I\ol\o
._
S-UPrIOo
1.11Q,OOO.oo
Robo.to "'"
llVUT'i
60.00 /
O\se PIs
90.CO ,
Corp -ppro.".l teq~d (or ~1\.1.,. ..n!:J,arolc~· program ,,/ . "IS, .. d.doo=<t ~o
'8'$ ,"'f1y cot14:1t;.~Oh:J, provide a 'ac:Kr!pl ..tc- copy p.bck.a~ a-lOpoq u1.t.h.
Z- Prit:.in, to ~ cot[t'=Cted t.Q 5h~ . "'(and "tQ !~, tQS tbl'» ..rih.need
aJCcltpt.t.on pt"OqXM
CIC5V1g docu~nt:.- will bG! JnA.M Ava.1.1.u1c: when t'n.· f9UOV1ng coD<11,t.J.~M .r• .etl
C::oO<':lit.1nn
-~ C6t\tUti"'" O •• e/e~nt... r _
$1, 1la. QOO' ~roqraJll ;uiael1l>....t "on to b"';;', "~1l or<!.. ".ft.r
./10"
tYJ>! of busi"""
III~III
"23"1"
1I
.I '.
I I
I
!.
3~5
460 / 745 I i
Court File: "Volume IV Continued" ..;'
Samaan v Zernik (SC087400) Los Angeles Superior Court --'
~ W'l.l.~ b-e able 'to 1u:1c ycnH: loan ""-heo tl\.t !"'Jllo'olfinq =ondJ,.t1.on~ dr. CIll"':t ('t.hOll'e.e 'i~~.'3 ",ill 08:'''0 4p~(H
«'I. your clodnq in8c.ruc:tiQ~8):
11 col1~ S400 appr<3issl 'fl~ld review tee t'r~1I. t:rl"'\Jr 11'\ 4!'tilCl'OW
Th&nk you tox '\1mit.t.i.nq YQur lodtL to Count.rywi.de-,. Noel"lca 15 "holeul.e Lt:n<k:tt 'If~ !ltfl.CII!~(:;ly Appr£cilttfl'
your bu::"' ;Loe,:r.
Uud,:,:%wr1t.r Db.te
D'TP/'P\..""p/R$J:1: Oat~
Th~ 'follow1ng cond1l.':!onQ h.V4 boO.1\ ",.t.i.eiad. (I..fid, a.re ct\O'R1\ b.ero .lor reference only:
CondittQt\ ~ ..cIC~ntc.
AeC1tpt.abl. f!'xt!'l8.nJlt'.ioto wny OU~1-ne • •1<\ 411 r~ve-r);e J.5 01'\ 1221 .so
A).(r~~ ~.J\.' ,
461 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
(
I) /
"Moe Keshavarzi"
(~
To maria_mclaurin@countrywide.com
<MKeshavarzi@sheppardmu!l
till in.com>
111061200G 03:22 PM
cc
bee
Subject S-arTiian letter
Mana,
Attached please find the declaration and letter. I would really appreciate your help, as we are only asking
for tile document to be authenticateo If you have any questions please let me know. If it is acceptable to
you please sign and fax it to 213-443-2910. Thanks again.
«DOC. PDF»
Moe Keshavarzi, Esq.
Sheppard Mullin Richter & Hdmpton, LLP
333 South Hope Street, 48th Floor
Los Angeles, CA 90071-1448
Direct Line: 213--617-5544
Fax 213-443-2910
Email: mkeshavarzi@sheppardmuHin.com
'This message is uent by a law firm and may contain infoL"Tnation that l.s
priV"ileged or confidential. 15 you received thilO/transmi.ssion in errOr. please
notify the s~nder by reply e-mail and delete the message and any attac~~en~s.
Sheppard, Mullin, Richter & Hampton LLF
D19
462 / 745
Court File: "Volume IV Continued" ,...
Samaan v Zernik (SC087400) Los Angeles Superior Court '\
;,
I
I I( DECLARATION OF MARIA McLAlTRfN
) \'1
I, Maria McLaurin, state and declare as follows:
; ,I
1\
4 \i 1. r ,am the br.;l.llCh mi1nager for the San Rafael branch of Countrywide
5 \ Horne Loans, Inc.• the branch that processed Ms. Samaan's loan (1oan number 81737375).
6 I In or around October 14, 2004, Countrywide suspended Ms. Samaan's loan because
7 III Count,ywide had not yet ceee;ved a copy of the fu11 y exeeuted purch ase .groem","!.
8 I' Attached hereto as Exhibit 30 is a true and correct copy of the letter that Countrywide sent
10 I
11 II I. dec.lare under penalty of p~ury under the laws of the State of California
12 II that the foregomg lS hur. and correct.
13
--
15
16
17
Maria McLaurin
18
19
20
21
22
23
24
25
26
I
27
I
28
I
~1-· ____ , -c-c.._--c---=-_ - _ -mn.,
~
i[
W02-WESr:1MMK1\4001 J 115:.!
463 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
11/06/2006 12:j6 FA! 21J8~O; :f1l001
-ATTORNEYS AT LAW
NOTe: THIS ·MESM.c3E1S INTENDED ONlY fOBTt:I~ USE OF iii=: INOMOUAt. OR ENTITY. TO WHICHrT IS .... OORESSE:O, A~ CONTAIN
lNFQf&{A11ON "TWtT IS PRM~NFlDdmAt: ANO e:EfoAPT FRO/ri JIlSClOSUr<;:; unDER N'PUCAeLE LAW, IF TH!; OF THIS
MESSAGE IS NOT ruE: INTI~NO~ )'{g;1f>ICNT. OR 'l"H S E'MPLOYEE; OR A.GaIT RESPONSIBLE FOR OaM;:R\~ WE t.\£;SSAGE TO THe: fh'iE'lDEtJ
REClPlI;N'r.YOU ARE HERE8Y NOilFlEO'rHAT ~ANY orsSEMlN..<\nOl'(, OISm16unoN OR COPYIN() OF THlS'CoMMVNIc;:AiloN IS STRiCTlY
PROHI8ITEO, If' YOU HAvE RSXlVED nus COMMlJNlCA'nON IN: f;RROR; PlEASE NOnFYUS IMMEDIATELY'aY T8.EPHOrE AND R!;TURN THl'
ORIGfNAL MESSAGE TO us AT"Y}lS AllpVE AOORCSSVlA. THE; U.S POSTAL SER\I1CE. lrWJKYOU.
0631007025_ S"T:lMMKJ\.100trlfJ54.1
38l
464 / 745
Court File: "Volume IV Continued" !\. I
Samaan v Zernik (SC087400) Los Angeles Superior Court
11/0~/20;)f, :.::: 56 FAl 213SJO [j 002
COUP' (l'lYWlOE HOME: 1.0....,./3. INC- roffCIlAEL JA.'lES O'l\.E:IUY ellA 'p"CIne
e.v". HOR'l'G1'.Gl: <;CIfI SCLT.uI rs
acan<:)l. ,: 0000933 e.u>MContoc:; .:V..:I.;:;C..:1::.0:..;R-=cPl\.RJ<:=~S~ ~
If you heV9 qugntto"" about thliJ a.ll9t', p I _ <»ntad "" ....t tl-{l l>/lon" n=tber
/'bOV6,
'Lean nUAb~'U" 6l7373"7S l'...ae ~~ r.vi~h ... Q(j .-t ~ba fOllowinQ' tsrJ1'S .tor: rnvIE. GN'iJV\l~:
owOt O-."CWIr:O
l.-n P""7= loC .1!J/l LINt ARK I",t.8rftll'tOnly -=-T1\>O'
~nT)o'p4; ~UCE!>
I'ltunoo Tn>"' PIJI'\Cf'~E: Rlol<Cbdo: N/J"
p~.....-.:#O ..s
.PJXII' Dll e.-Sa>ro' 723
Lock F.>:piratton
90212-371.5
!la,e:
P.-b''''W'. SCI'.
l~~l
~ T..... .... ~ n I ~ .
ot:
This lO&n bas been
- 2.250
S~SPOIDeo g~t~l tha
360
£pllovini i~~o~~~on ~e ~~~tded. We ~~~t ~ee~~v~
No. No. l'Xla. 0
tl1is in.f6=ti."~ hy' 10/25/1.00'. r:- w<> do noL Leceivc it 1>1 ,;h.>l;. da~.. , _ ~ cloGe" ~he £;'~e
for inco~lve~~e~o~ When we recei~~ ~~c In£o~~tio~. vc will rcvi~w th~ ri~~ foe Lurtne~
t{ee~n:ltio.n_
.t~ " r..ny t:9-Q4.1~1.01"l"t p.r.b'v!.de ill a~C' c.op~ P(;1c:J'~QqQ' o.l.eoQC] .. J.th
P'rtd:og 'Co r...ta ~r~ot.rd.. tq .. haw ,"'lSI. Qf.;.id w C(;"f:; for t.h15 Q'n~1W1
e~crpt1.Qn I?ro9~CI'-l'l
Cl<tsUlq docUnt.fI't..::: \11..1.1 lH- ~d.-t ~iL1labJ.~ vhc:n lh.., (allovi::s.g' ~od:i-l:..1.ulHI ar«l tr'd'P
Sir 116 .. 0aO pr6QX.-u. qu.1d4!J....o4I "e ca...~, tOo b,..,."r, '"'lll ord~~ ef't~r
~1J5~ .
111110
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11111111111110
• ~. e. , 7 ~'7 3. T ~ D' 0 II 0 17: E %.G' 1 ..
0631007026 3
465 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
11/0612006 lZ:~6 FAX 21383Q ~(jO')
.. ~
.'-./
Wt!' ,...1)..1 ,..... .o...ble ~o fund.. your 10lln w'hen t.be- [611~09 aOt1d.1:;J.on~ a,.... h!ot. (t..r.c:ro::: .tC~1 M.1.lL alll$() 1II,'PPec.:('
un ~'O'Ur c::lo::.Lnq 11:llltxvd:i.eOrl) I
].:.. coU.ec ~'Oc ~bJ."4.1. ti.'lCf. ~C:V1.~ f~ fro," bc-olr .1.n coa,X'ow
~n'k. you. f(;J:t .i.\tm:Lttif\g' your IlJaA ~o Cf1Urlt.zyw!.de, ~eX'ie.a '. Wb.olela.\e ~ndr:%! ,... !!1nee.r.J.y ·~~oc.i..t.1':
your b'lHion.s.
"ttlilf to.;l...lo1.,l'1..ng com::t1e;.!oi'4 I\.aVofl boC;<rrt P.Ol,t1:ltj,ed, c.ri<! I1re :sho",n h.:r", 1.01: totorc:nct: on1.y:
C<>lldl."j,on r>.",eIC_~
----~~-~-------~--------~-----------
B~ MU't'T1'2l £Xl';t.1.J;lAT,IOlrI ~lNG __
..I.eeepUlble ~J.,.n..t100b vbY .b'ui1("\OQtI .iQ. 41! reve~c;- J..'l;" Of" 1.::17 so
)l.J..(':.oed,.
".rIo.
'QQ-:i:t'y $:iGk l;Jn tkPOI:fl-t ",,; C'.f::J:O\l JI/ ~. "II'<e:.l"i.tJ..d
FrO'V.ide c,:,. Pu• .1h~b" Li~,,~ or ~p, lrt;:.~.. ~rlr:f1og tLl ...d 16~t 2
06,310~702i-J
.
3g~
466 / 745 ! 1
Court File: "Volume IV Continued" , I
!f
Samaan v Zernik (SC087400) Los Angeles Superior Court
"
r; . l
~ Countrywlde®!
750 Lindaro
Suite 110
San Rafael, CP, 94901
Fax
To: f/loe Ke }httva.v-z-t' From: Maria McLaurin, Branch Manager
• Comments:
L/;L/3 ~ ,q/O
)1'
Confidentiality Notice: The information contained in and transmitted with this communication is strictJy
confidenlial, is intended only for the lise of the Intended recipient. ano is the property of Countrywide
Financial Corporation or. its affiliates and subsj(fl3ries. If yO() are not the intended redpient you are
hereby notified that any use of the information contarned in or transmitted wiU. the communication or
dissemination, distribution, or copying oHhis communication is strictly prohibited by law. If you have
receiVed this communication in error; pfease immediately notify the sender by emaJl or telephone 'and
delete the original message or any copy of it In your possession. Thank You,
~15
467 / 745
Court File: "Volume IV Continued" I '/
. (
Samaan v Zernik (SC087400) Los Angeles Superior Court
~I .... A.,jd
~COUnl.',Jvvl e~
A.MERICA'S WHOLI::SALE LENDER
(4 L5) 257·2"100
(415) Z59-0866 FAX
November 6,2006
,,
Victor Parks
Pacific Mortgage Consultants
Mr. P<Jrks,
This is to confirm that Countrywide Home Loans processed the above referenced
mortgage application on OJ arotlnd October 14,2004. The loan was SUspended pending
receipt of a copy of the fully executed purchase agreement. Attached is a copy of the
letter issued by Countrywide Home Loans.
TIlank You,
!1~;1fv)f~
Maria McLaurin
Branch Manager
31tp
468 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
) )
1l.m9ri= ' . ll1lo1as.'l.le Lendar
COUnTRYWIDE flOME LOANS, INC. t1IcrlA~ JJ.HE5 0' R1:ILLY OBl\ ?A.CIflC
e..,'o<:
HORTGAG~ CONSULTANTS
Phone, (~lSI257-2701
1",,1:1:: 8ro~ Fu ~
1/ y(XI hlllIO qUQlIIlons about thIs "'1101, pllld84H;ont3Ct U!I at tho phone nu!<\b<) . . .bove.
Lo~n nu~er 91737375 ha, ~on ~<vie~e~ at che tollo~ing ter~ for NIVT~ S~N:
8EV&<U.Y HrLLS, 0
Lo<,;\o;. t.x.pirat ion
90212-3715
O.~e:
_It< T",.: Sf"R
~lU!lo
~.sOO
j9loll "-'"
~.S<lO
ReDo.. "'-
0,000
Oloe !'1Z
0.000
l~' lu.v~ To.... -~"-.I1Y7
2.461 2,250 350 NO, No. of MOs. 0
This loan ha~ be~n SUS~~EV unt~l the fol1owinq lnfoc~tion ie provided. We mus~ receive
thin into~tion by lOI4~/Z004, ! f ~ do not receive it by that dat&, ~ mu3t clo3e the file
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Court File: "Volume IV Continued" r
Samaan v Zernik (SC087400) Los Angeles Superior Court
I
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470 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court ( / !
Page 2 of 4
~"--~-"--------~------------- -~----------------~----~--~-~---~---._---._-----_._-----_.--.---------.------------
Beverly Hills, .July 7: Samaan v Zernik stems from the failed attempt of
Samaan to purchase Zernik's residence in 2004. Heading for trial, the case
hinges on an invalid Country\',ride* document(I, 11)**, dated October 26,2004,
which was filed as issued on or about October 14, 2004 -- deceiving the court
and committing fraud against Dr Zernik. Nivie Samaan and Maria Mclaurin
Country""ide's San Rafael Branch Manager started their collusion in 2004
with a Mortgage Fraud attempt and in Wire Fraud in the same failed real
471 / 745
Court File: "Volume IV Continued"
719/7007
,
.. ')
I
I
I
Samaan v Zernik (SC087400) Los Angeles Superior Court
Message Page 3 of 4
http:/LhQmc.s'~r1hljnk.Il~t/~·.iz12J45[ COUNTRYWIDE/
END
472 / 745
Court File: "Volume IV Continued" J
~~~~~---~~=~=~~~~~=~~~===~~~==~~======~=====~~=~==~===~==~===~=====~---
Confidentiality Notice: The information contained in and transmitted with this communication is strictly
confidential, is intended only for the use of the intended recipient, and is the property of Countrywide
Financial Corporation or its affiliates and subsidiaries. If you are not the intended recipient, you are
hereby notified that any use of the information contained in or transmitted with the communication or
dissemination, distribution, or copying of this communication is strictly prohibited by law. If you have
received this communication in error, please immediately return this communication to the sender and
delete the original message and any copy of it in your possession.
~~======~==~~==~~=============~====~==~~~~=~~~~=-~====================
) ~"?
473 / 745
! j
Court File: "Volume IV Continued"
7/9/2007
Beverly Hills, July 7: Samaan v Zernik stems from the failed attempt ofSamaan to purchase Zernik's residence in
2004. Heading fur trial, the case hinges on an invalid Countrywide* document(I, 11)**, dated October 26, 2004,
which was flled as issued on or about October 14,2004 -- deceiving the court and committing fraud against Dr
Zernik. Nivie Samaan and Maria McLaurin - Countrywide's San Rafael Branch Manager started their collusion in
2004 with a Mortgage Fraud attempt and in Wire Fraud in the same failed real estate transaction to purchase
Zernik's residence. At present - it is running as malicious prosecution that is threatening to rob Dr Zernik of
everything he owns in broad daylight! 'The safeguards for the integrity of operations at Countrywide can be viewed
as largely vested in Angelo Mozilo - Chair of the Internal Audit Committee and Sandor Samuels - Chief Legal
Officer. Samuels is also a very public figure in Los j\ngeles, serving as President of the Board at Bet Tzedek (House
of Justice) (A,;\ 1). It is a \\/orthy provider of free legal services for the needy, which deserves public support and
funding. On Bet Tzcdek's web pages(A, AI) Samuels publicly and prominently called for Justice and for real-estate
fraud prevention. t\loreover, he invited any who needed such help to approach Bet Tzedek... The upcoming Beth
Tzedck Justice Ball, July 2H, 2007 a large scale charity event, raises funds to provide 11 equal justice for all". Samuels
and/or Mozilo could eliminate thiS case of real estate fraud in minutes. It would be sufficient to clarify for the
court thc date that the C nderwriting Letter of October 26, 200411, I was issued (1, Ii). Both CountryVv'ide officers
declined to take any action and refuse to answer any questions in this regard. Instead, Countrywide sought a
Protective OrderC'J), and Bet Tzcdck's web pages that mentioned Samuels and his calls for justice were hastily
removed (1\, AI). Most notable instanccs of "harassment ", described in court ftling(P) on Friday were that Zernik
left an envelope for an Officer (unnamed) of Countrywide at the offices of Bet Tzedek(AA 1), and that Zemik
discussed Samaan v Zemik, and Samuels' role in it, in a private meeting, with a rabbi in that rabbi's chambers.
While the court did not grant Samuels and Mozilo their wish on Friday, it left open for them a regular hearing,
474 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
,( ,
,./ /
aIready scheduled for July n, 2007 " the Santa Monica Courthouse, Dept I .~ 'Tlucls declared hiImelf on Bet
Tzedek's web pages as "oH.'rseeinic, ~,ation affairs" at Countrywide(;\,A I). Ibined, Samuels' conduct in
Samaan v Zerruk, where he continues to assume the nght not to respond to an ong01ng real-estate fraud committed
under Countrywide's name, and his attempt to abuse justice and quash First Amendment rights of a victim of
abuse by- Countrywide, IS inconsistent with the goals of Bet Tzedek(Q). He is already a Liability rather than an
Asset. Samuels must immediately resign from any association with Bet Tzcdek. His conduct relauve to real estate
fraud and Ftrst :\mendment rights of a real-estate fraud victim, is contrary to the goals of Bet Tzcdek.
*Countrywide here denotes Countrywide Financial Corporation, Inc, and all Its subsidiaries and affiliates, jointly
and severally.
http://home.earthlink.net/~jz12345/ COUNTRYWIDE/
1'or additional information regarding this action contact: Joseph Zernik, DMD,PhD
Email: 123456xyzrah.•.1natl.com
END
---------------------------_.--------------------------------------
---------------_. -------------------------------------------------
Confidentiality Notice: The information contained in and transmitted with this communication is strictly
confidential, is intended only for the use of the intended recipient, and is the property of Countrywide Financial
Corporation or its affiliates and subsidiaries. If you are not the intended recipient, you are hereby notified that any
use of the information contained in or transmitted with the communication or dissemination, distribution, or
copying of this communication is strictly prohibited by law. If you have received this communication in error,
please immediately return this communication to the sender and delete the original message and any copy of it in
your posseSSIOn.
475 / 745
Court File: "Volume IV Continued" , J
Fa. (31015762200
www bryancave.com
VIA FACSIMILE AND OVERNIGHT MAIL
Los Angeles County Superior Court7 Case No. SC087400 Los Angeles
New York
Shanghai
Washington, DC
As you know, we are attorneys for Countrywide Home Loans, Inc. and related
companies ("Countrywide"), and its officers and employees, who are the targets of a And Bryan Cave,
A Multinational Parrnersh,p.
campaign of harassment by Joseph Zemik directed at them and at their personal
London
associates. Please provide this letter to your client.
During the past several months, Dr. Zemik has repeatedly contacted Countrywide
officers and employees concerning this lawsuit, despite express notice to Dr. Zernik
that these individuals are represented by counsel and despite numerous requests that
Dr. Zernik direct all communications concerning the case to Todd A. Boock of the
Countrywide legal department or other designated counsel. Dr. Zemik has blatantly
ignored thesc requcsts and his continued practice of directly contacting represented
persons is improper and harassing.
Si\I01DOCS\64382j I
476 / 745
Court File: "Volume IV Continued" !'
Samaan v Zernik (SC087400) Los Angeles Superior Court
G. Richard Green, Esq. Bryan Cave UP
July 6, 2007
Page 2
conceivable purpose for your client's contacts was to embarrass Countrywide's officer in an attempt to
pressure Countrywide.
Dr. Zcrnik has published scurnlous attacks on Countrywide and its officers to third parties, bringing
their business practices into disrepute by falsely accusing them of real estate fraud, mortgage fraud,
and wire fraud, and of colluding with the plaintiff. These conununications are defamatory,
outrageous, and malicious.
On behalf of Countrywide and its officers and employees, we hereby demand as follows:
1. That Joseph Zernik immediately cease and desist from contacting represented Countrywide
officers and employees, and shall communicate solely with Countrywide'S designated legal counsel
2. "That Joseph Zemik immediately cease and desist from contacting any personal associates of
Countrywide's officers and employees about this case or the business practices of Countrywide and its
officers and employees;
3. That Joseph Zemik retract the false and malicious statements that he has published to third
parties, including but not limited to his defamatory statements that Countrywide and its officers and
employees have committed fraud and colluded with plaintiff. Retraction should be made in the same
form and to the same persons to whom the defamatory statements were made, and proof of the
retractions shall be provided to the undersigned; and
4. That Joseph Zernik refrain from publishing any new defamatory statements about
Countrywide and its officers and employees reserve all of their rights against Joseph Zemik.
~~-
John W. Amtter
]WA:jcc
SMOl DOCS\64:182:11
477 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
r, I
Sanford Shatz (CA State Bar No. 127229)
2 II Todd A. Boock (CA State Bar No. 181933)
5220 Las Virgenes Road, MS: AC-11
3 II Calabasas, California 91302
Telephone: (818) 871-6062
4 Il Facsimile: (818) 871-4669
5 BRYAN CAVELLP
6 IIJohn W. Amberg (CA State Bar No. 108166)
Keith D. Klein (CA State Bar No. 184846)
7 IIJenna Moldawky (CA State Bar No. 246109)
120 Broadway, Suite 300
8 II Santa Monica, Caiifornia 90401-2386
Telephone: (310) 576-2100
9 \I Facsimile: (310) 576-2200
5 II infonned that they are represented by counsel for Countrywide, and despite repeated
6 II requests that Zernik communicate solely with designated legal counsel and not with the
7 II represented individuals;
8 II NOW THEREFORE, the parties stipulate and agree that Zernik will communicate
9 II solely with Countrywide's designated legal counsel and not with Countrywide officers or
By:
14 II G. Richard Green
15 II Attorneys for Defendant
Joseph Zemik
16 II
17 II Dated: July cO, 2007 BRYANCAVELLP
JOHN W. AMBERG
18 II KEI1'H D. KLEIN
19
20
21 II ( Attorneys for
Countrywide Home Loans, Inc.
22
23
24
25
26
27
28 II
SMOIDOCS\643951.2
2
479 / 745 JOINT STIPULATION AND [pROPOSED] ORDER
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
,
/' /
I
[pROPOSED] ORDER
2 II Defendant Joseph Zernik shall communicate solely with Countrywide's designated
3 Illegal counsel and not with Countrywide officers or employees regarding the present action.
4 IT IS SO ORDERED.
5
DATED:
10
11
12
13
14
15
16
17
18
19
20
21
22
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28 II
SMOlDOCS\6439S1.2
2
480 / 745 JOINT STIPULATION AND [pROPOSED] ORDER
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
S
John W ,\mocrg
Direct: 1-110-S76-22llO
Fax 1-110-S76-23X1
jW2mberg@btyanca\"C.com
Bryon Co •• llP
120 Broadway, Suite 300
July 9, 2007
Saota Moo'ca, Cr.. 90401-2386
1e113101576-2100
wwwbryancave.com
VIA FACSIMILE AND OVERNIGHT MAIL
Los r..ngeles
Subject: SECOND CEASE AND DESIST LETTER New York
Phoeni.
Dear Mr. Green: Shangha,
St louis
We write again to demand that your client Joseph Zemik cease and desist from Washington. DC
harassing Countrywide and its officers and employees.
And Bryan CEve,
A Multin6tion61 Partnership.
As you know, we represent Countrywide Home Loans, Inc. and related companies
("Countrywide"), and its officers and employees, who continue to be the targets of a london
On July 6, 2007, we sent you a cease and desist letter ill response to Dr. Zernik's
unrelenting harassment of Countrywide officers and employees, his defamatory
statements about them, and his repeated efforts to contact personal and business
associates of Countrywide officers, including religious leaders, a retired judge, and
members of charity boards - despite the fact that none of these third parties have
anything to do with this lawsuit. Dr. Zernik's contacts with them were scurrilous and
malicious, and were intended solely to injure the reputation of Countrywide's officers
and employees in the community, and to attempt to pressure Countrywide.
481 / 745 ) !
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Bryan Cave llP
G. Richard Green, Esg.
July 9,2007
Page 2
1. That Joseph Zemik immediately cease and desist from contacting represented Countrywide
officers and employees, and shall communicate solely with Countrywide's designated legal counsel
regarding this case in the future;
2. That Joseph Zemik immediately cease and desist from contacting any personal associates of
Countrywide's officers and employees about this case or the business practices of Countrywide and its
officers and employees;
3. That Joseph Zernik retract the false and malicious statements that he has published to third
parties, including but not limited to his defamatory statements that Countrywide and its officers and
employees have committed fraud and colluded with plaintiff. Retraction should be made in the same
form and to the same persons to whom the defamatory statements were made, and proof of the
retractions shall be provided to the undersigned; and
4. That Joseph Zernik refrain from publishing any new defamatory statements about
Countrywide and its officers and employees.
We have learned that Dr. Zemik flagrantly ignored these demands, and published new defamatory
statements to personal and business associates of Countrywide's officers and employees. On Monday
morning, July 9, 2007, at 3:36 a.m. and 5:33 a.m., Dr. Zernik sent outrageous emails to various
recipients regarding Countrywide and its officers, calling for the resignation of Countrywide's Chief
I~gal Officer as President of the charity Bet Tzedek's Board of Directors, and maliciously mocking his
involvement with the organization. As with the previous emails about which we complained, Dr.
Zernik's latest emws continue to falsely accuse Countrywide of committing mortgage fraud and wire
fraud, which is outrageous. The recipients of Dr. Zernik's latest scurrilous etnails included not only
members of the Bet Tzedek Board of Directors, but also others in the local business community.
These false and offensive communications must stop. Dr. Zernik has abandoned all professional
decency, and continues to mount an unprovoked assault on Countrywide and its officers and
employees. He has spread his defamatory statements across the community to persons with no
connection with his lawsuit. We reiterate our demand that Dr. Zernik must cease and desist.
Countrywide and its officers and employees reserve their rights to take any and all available legal
action against Dr. Zernik, and to seek all available remedies against him.
John W. Amberg
JWA:jcc
SMIJ1DOCS\644186.1
TRANSMISSION OK
TX/RX NO 2086
ON TEL
CO~l\'ECTI #138913102010461
CONNECTION ID
ST. TI~ 07/09 19:16
USAGE T 00'35
PGS. SENT 3
RESULT OK
1.!I"!I~'."1 -=
I~
Suita 3600
11Ii!'. fac~\mile contains infonnation that (a) is or may be LEGALLY PRIVILEGED, PROPRfETARY
St louis, MO 831D2-mO
IN NATURE, OR OTHERWISE PROrECTED BY LAW FROM DISCLOSURE and (b) is jflleoded
for the use of the Ad<.kcss¢c(s} narned herein. If you are DOt the intended recipient, an addressee, Tel (314) Z59-<'OOO
or the person responsible fOr delivering this to an addressee. you are hereby notified that rearling,
Fax (314) 259-20Z0
copying or distributing Ihis facsimile i~ prohibited. If you have receh'cd this facsimile in error, please
telephone us inunediately and mail the facsimile back to us at the address to the right. Thl\nk you. www.oryanc3V9.com
483 / 745
Court File: "Volume IV Continued" f
Samaan v Zernik (SC087400) Los Angeles Superior Court _.J""""
Bryan Cave LLP
Facsimile Cover One Metropolitan Square
Suite 3600
This facsimile contains information thaI (a) is or may be LEGALLY PRIVILEGED, PROPRIETARY
St Louis, MO 63102·2750
IN NATURE, OR OTHERWISE PROTECTED BY LAW FROM DISCLOSURE and (b) is intended
for the use of the Addressee(s) named herein. If you are not the intended recipient, an addressee, Tel (314) 259-2000
or the person responsible for delivering this to an addressee, you are hereby notified that reading, Fax (314) 259-2020
copying or distributing this facsimile is prohibited. If you have received this facsimile in error, please
telephone us immediately and mail the facsimile back to us at the address to the right. Thank you. www.bryancave.com
To Sender:
Do you wish to be contacted when fax is sent? DYes [g] No
Do you wish to be contacted at your homeloffice if fax [g] Yes DNa
cannot be sent within one hour? Tel:
484 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
- .t.f
;
,
.1 US""' l. \...11
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111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111
: t-: :_' '~l7 - ~~!L-.:j}4 .~ S -'..,' '. i)
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••
Morning Overnite -- A
3105762100
Billing Reference:FR40211679
Number of Pieces: 1
Ste:1880
3105762329
Signature Required
Please fold this page in half and place It In the pouch on your shipment Only one copy IS required by Ovemlte Express
WARNING Use only the pnnted label for shipping Using a photocopy of this label for shipping purposes IS fraudulent and could result in add~ional
billing charges. along With cancellation of your Overnlte Express account or OvemiteSh'p Online Profile Shipments with Invalid account or credit card
numbers will not be delivered
i I_J
485 / 745
https:llwVvw.ovemiteexprcss.com/ovemiteshiponline/directionishipmentform.aspx
Court File: "Volume IV Continued"
7/9/2007
Samaan v Zernik (SC087400) Los Angeles Superior Court
PROOF OF SERVICE
! 1 am employed in the County of Los Angeles. State of California. I am over the age of 18
and not a party to the within action. My business address is 120 Broadway. Suite 300. Santa
3 Monica. California 90401-2305.
4 On July II. 2007. I served the foregoing document(s). described as NOTICE OF
5 MOTION AND \lOTION FOR A PROTECTIVE ORDER; :\1EMORA~DUM OF POINTS
AND AeTHORITIES; DECLARATION OF TODD A. BOOCK; DECLARATION OF
6 .JOHN W. AMBERG; IPROPOSEDI ORDER THEREO~ on the interested parties in said
action or proceeding as follo\',s:
7
Jmeph /crmk D\{l) PhI) C. Riclurd Creen, I·:sq.
8 ).2(1 :,outh Peck Dri\'l' (;reC!1 & \larker
9 Be\'l'rly 1-1 db. (: \ <)().21.2 1W"5 Centun- Park !':ast, Suite 1HHO
I'acsimilc: HO l-<)<)H·(I()l ~ l.os\ngcles, C\ <)()(167
10 i712.)-I-5~jearthEnk.nct
<Xl
23 I declare under penalty of perjury under the lavis of the united States of America and the
State of California that the foregoing is true and correct.
24
I declare under penalty of perjury under the lav.s of the l (nited States of America and the
")
.:.)
State of California that the foregoing is true and correct.
26
11
OBJECTIONS TO THE
22
DECLARATION OF JOSEPH
ZERl\IK.
--J 23
Date: July 23, 2007
--
~r::.(
';<~~-"'"
"'~"J_
>')"
( ..........
24
25
Time:
Dept.:
8:30 a.m.
I
487 / 745 WOl, WIST IRf \11 .jilO,"SCJh'i] OPPOSITIO:'; TO :VfOTlO:'ol TO EXPL~GE
Court File: "Volume IV Continued" LIS PE,VDE/VS
Samaan v Zernik (SC087400) Los Angeles Superior Court
TABLE OF CONTE~TS
2
Page
I. I~TRODCCTIO"N 1
4"
II 11.
STATE\;I ENT OF RELEVANT FACTS 3
Suitable I-10me 3
8
and Promises Her Any Additional Time She ;\IIay Need 3
9
C. Despite Repeated Requests by Plaintiff and Her Broker, Defendant
10
Repeatedly Delays in Providing Plaintiff With the Necessary
Documents 5
11
12
Documents to Plaintiff and Parks 7
13
14
Contingencies Before Defendant Cancels Escrow 8
15/I II f.
ARGUMENT 9
16
A. Defendant's Motion Consists of Untenable Conspiracy Theories,
17
Unsupported Accusations, Half-Tmths, and Outright Lies 9
18
1. Defendant's claim that plaintiff conspired to defraud him is
absurd 9
19
20
21
3. The Notice of Lis Pendens was served on defendant by certified
mail. 10
22
23
24
25
2004 10
26
a. Defendant delayed in perfonning everyone of his
27
28
b. Defendant's delays prevented plaintiff from removing the
-1
488 / 745 W02-Wf:S I I ){[\II .j()()35:'l)(,5 i ----- ---------coc-p=-=pc-::Oc-::S:-[T=-=--=\o::-CN--:-·C=T--=-OC-::\C-::1--=-O=T:-\O~:\C-::_--:-T=-=O=--=E=-=X~P C=-=:0j:-,'=-=G=E
Court File: "Volume IV Continued" US PE,\D£NS
Samaan v Zernik (SC087400) Los Angeles Superior Court
Appraisal Contingency on October 11 11
10
I1
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15
16
17
18
19
20
21
22
23
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489 / 745 \\'(I~·\\F')r IRE"!l ·1IJ!""fJ651
Court File: "Volume IV Continued"
OPPOSITIO:---i TO \:!OTI00.' TO EXPL'-.:GE
LIS PEVlJE::!'vS
Samaan v Zernik (SC087400) Los Angeles Superior Court
TABLE OF AUTHORITIES
2 II State Cases.
8 II State Statutes
12
13 II Other Authorities
14 II Miller & Starr, California Real Estate, Agency section 3:50 (3rd Ed. 2007) 13
15 II Miller & Starr, California Real Estate, Escrows section 6:20 (3rd Ed. 2000) 11
16 II Miller & Starr, California Real Estate, Escrows section 6:21 (3rd Ed. 2000) 14
17
18
19
20
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23
24
25
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28
-111
490 / 745 WO~· WfCST ] Rf'vl] -lOO]"''')(,).l
OPPOSITIO:\ TO \IOTIO;-"; TO EXPL"iGF
Court File: "Volume IV Continued" LIS PE.VDEVS
Samaan v Zernik (SC087400) Los Angeles Superior Court
ME'IORA:\DU"t OF POINTS A~D AUTHORITIES
3 I. INTRODUCTION
4
5 II This case is about Nivie Samaan's ("Samaan" or "plaintiff') request for specific
6 II performance of an agreement to purchase a home for Samaan, her husband and their three
7 II daughters. In September 2004, Samaan and defendant Joseph Zcrnik ("defendant") entered
8 II into an agreement for defendant to sell to Samaan the property located at 320 S. Peck Drive,
9 II Beverly Hills, California 90212 (the "Property"). Escrow was set to close on November 1,
10 II 2004. The undisputed facts show that from the start de fendant consistently delayed
12 II Defendant sought to expunge the lis pendens in November 2006, arguing, as he does
13 II again in his new motion, that Samaan was required to remove the appraisal contingency by
14 II October 11,2004, but did not do so. This Court denied defendant's motion. Defendant's
15 II renewed motion should also fail because it adds nothing of substance to the first; it is little
1711 truths, and outright lies. For example, defendant now claims that plaintiff participated in a
18 II conspiracy with Countrywide to misrepresent her financial ability to purchase the property
19 II from him. However, he offers no evidence, other than his own self-serving, hearsay-riddled
20 II declaration, in support of this claim. Moreover, it is entirely unclear how this alleged
21 II conspiracy was to have played out. Defendant also claims that plaintiff submitted an
22 II "adulterated" version of the purchase agreement in connection with her opposition to his
23 II first motion to expunge. However, he offers no evidence that this is so, but offer only his
24110vm testimony on "information and belief' that the document is a forgery. This claim
25 borders on the absurd. Gail Hersho\vitz, the parties' escrow agent and a disinterested
26 \vitncss has recently signed a declaration confirming that the purchase agreement Samaan
27 II provided to the Court with her opposition to defendant's first motion to expunge is authentic.
-1
491 / 745 W02-\\TST I RF:Yll 400 1 S:'lJh5 1 OPPOSITION TO yl0TIO~ TOEXPU:\GE
Court File: "Volume IV Continued" USPEND£NS
Samaan v Zernik (SC087400) Los Angeles Superior Court
I
supported by his declarations, plaintiff has provided the Court with declarations from every
2 II disinterested party who \vas involved with the transaction. including Ms. Hershmvitz and
3 II \;laria \kLaurin of Countrj\vide.
.f II Defendant also argues that plaintiff could not have obtained a loan to purchase the
511 property. Yet, a disinterested witness, Countrywide, has testified that plaintift~ in fact,
6 II would have qualified for a loan had defendant followed through on the transaction. Plaintiff
7 II has also provided evidence that at all relevant times she has been ready, willing and able to
8 II purchase the Property. Finally, defendant claims that the notice of lis pendens was not
9 /I served on him by certified mail. This is an outright lie. With this opposition plaintiff has
10 II provided evidence that her fonner counsel Mr. Jay Stein served the Notice of Lis Pendens
11 lion four different addresses he had for defendant before recording it. In short, defendant's
12 II second motion to expunge adds nothing to the first. Accordingly, the Court should deny this
14 II Samaan will likely prevail in this action because the following facts are undisputed:
16 II Agreement on September 27, 2004. Request for Judicial Notice at Exh. 1, Declaration of
18 • Defendant did not provide plaintiff with a fully executed Purchase Agreement
19 II until after 3:24 p.m. on October 22, 2004, one business day before he attempted to cancel
20 II escrow. Declaration of Gail Hershowitz, ,.;~ 2-3, Exh. A; Declaration of Victor Parks, ~ 14,
21 II Exh. 24.
22 II • The only reason Countrywide would not approve the appraisal of the Property
23 II (which would have enabled Samaan to remove the appraisal contingency) was because it
24 II had not been provided with a fully executed Purchase Agreement. McLaurin decl., Exh. A.
25
26
27
28
3 A. Plaintiff. Her Husband-to-Be and Their Three Children Search for a Suitable
4 Home
5 In March 2004. plaintiff and her then tiance became engaged and began searching for
6 II a home to purchase in Beverly Hills in anticipation of their \vedding on September 18, 2004,
711 in Hawaii, (Declaration of Nivie Samaan ("Samaan Decl."), ~i 2). At the time, plaintiffs
8 II fiance and his three daughters lived together in his tv.'o-bedroom apartment in Beverly Hills;
9 II plaintiff did not live with them. (ld.). Their search for a new home was limited by two key
10 II factors: (1) Their budget was approximately $1.7 million, and (2) because their children
II II were enrolled in high school and middle school in Beverly Hills, their new home had to be
12 II located in the Beverly Hills area so that their children could remain in the same schools.
13 II (Id.).
14 II In the hot real estate market of 2004, plaintiff and her fiance found it nearly
15 II impossible to find a house in Beverly Hills within their budget. (Id. at ~ 3). Between March
16 II and September 2004, they placed several offers on various homes, but none were accepted.
17 II (Id.). Eventually, in early September 2004, approximately two weeks before their wedding
18 II date. plaintiff and her fiance found the property at the heart of this dispute, located at 320
19 II South Peck Drive, Beverly Hills, California 90212, less then two blocks from their
21
2211 B. After Much Delav, Defendant Accepts Plaintiffs Second Counter-Offer and
24 The property was, and is, owned by defendant. His agent in the transaction was
2611 1
In August 2004, plaintiff moved into her fiance's two bedroom apartment hoping that
27 soon the entire family would move to a new house. (Samaan Decl., .. 2). Plaintiff,
her fiance. and their three children all currently live in the same two-bedroom
28 apartment. (Id.).
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an offer to purchase the property via facsimile to Libmv. (Samaan Decl., ~ 4; Exh. I). Six
2 II days later, on September 10, 2004, defendant, through his agent, presented plaintiff with a
3 II counteroffer. (Exh. 2). At the same timc, Libow infomlcd plaintiff that defendant had
411 received multiple offcrs on the property. (Samaan Decl., ~ 4). The next day, on
5 II September 11, 2004, plaintiff accepted all of the terms of defendant's counter-offer with the
6 II exception of one item and faxed her second counter-offer to defendant. (ld. at ~ 4; Exh. 3).
7 II In the t~lcsimile cover sheet accompanying her second counter-offer, plaintiff informed
8 II Libow that she was leaving town on Thursday, September 16, 2004, for her wedding in
9 II Hawaii and was going to be out of town for one week. (Exh. 3). Plaintiff informed
10 II defendant, however, that she was prepared to act expeditiously: "[M]y lender has my loan
11 II application, financials and is ready to start on my verbal. Please let me know as soon as you
12 II hear from the seller." Od.). Plaintiff informed defendant that she was going to "Iiquidate[]
13 II stock for the down payment, but will not be back until" September 23. ([d.).
IS II ~ 5). Plaintiff waited until September 13,2004, and not having heard from defendant, wrote
16 II again to Libow urging a response to her second counter-offer: "I truly want the house and
1711 would love to make it a home for my family and me." (Id. at ~ 5; Exh. 4). In the same
18 II letter, plaintiff informed defendant that because she had to leave town for her wedding, she
19 II would formally withdraw her offer if she did not hear back from defendant soon. (Exh.4).
20 II She urged defendant to respond promptly because she would "find it impractical to continue
21 II negotiations and/or meet the terms set forth in the C.A.R. Purchase Agreement, dated
22 II September 4,2004, beyond this date" if defendant delayed any longer. Od.).
23 II Again, defendant did not immediately respond but waited until September 15, at
2411//:34 p.m. to accept plaintiffs second counter-offer. (Id. at -: 5; Exh. 5). Because defendant
25 II faxed his acceptance late in the evening, plaintiff did not actually receive it until the next
26 morning, as she \vas preparing to leave for her wedding. (Id. at ~ 6). That morning, before
27 leaving for the airport, plaintiff faxed defendant an addendum to the Purchase Agreement
28 II changing the acceptance date to September 23. (Id. at -: 6; Exh. 6). Plaintiff informed
2 II Purchase Agreement." (Exh.6). She also asked defendant to scnd the Escrow Instmctions,
3 II the signed Purchasc Agreement and the Preliminary Title Report (the "Escro\v Package") to
4 II her house. (Id.). \Vhile driving to the airport, plaintiff called Libow to follow-up on her fax
5 II asking for the date of acceptance to be changed to Septcmber 23. (Samaan Dec!. ~ 6;
6 II Exh. 7). Libow told plaintiff that there is no need to sign the Addcndum and that defendant
711 \vould give plaintiff additional time ifneeded. (Samaan Decl., C; 6). On September 16, upon
8 II arriving in Hawaii, plaintiff initialed her second counter-offer and faxed it back to
9 [I defendant. (ld.; Exh. 8). The deadline for close of escrow was November I, 2004.
1211 c. Despite Repeated Requests by Plaintiff and Her Broker, Defendant Repeatedly
14 Plaintiff and her new husband returned from Hawaii on the evening of September 23.
15 [I (Samaan Decl., ~ 7). Prior to leaving for her wedding, plaintiff had asked defendant to send
16 II the Escrow Package to her house. (ld.). Defendant failed to do so. (ld.). The morning after
17 II her return, on Friday, September 24, plaintiff immediately began working on the transaction.
18110d.). She ordered a home inspection and submitted the necessary financial documents to
19 II her loan broker, Victor Parks ("Parks") at Pacific Mortgage Consultants for approval. (ld.;
20 II Declaration of Victor Parks ("Parks Decl."). ~ 5). The same day, plaintiff contacted the
21 I[ escrow company, which defendant had selected, Mara Escrow Company ("Mara Escrow")
22 II and requested the Escro\v Package. (Samaan Decl., ~l 7). Mara Escrow responded that it
23 II could not deliver the Escrow Package because defendant had not yet provided Mara Escrow
25 II After the weekend, on Monday September 27, plaintiffs loan broker, Parks, began
26 II processing her loan and ordered an appraisal of the Property. (Parks Dec!.. t; 6). The next
27/1 day, Parks informed Libow that plaintiffs loan \vas in process. (ld.). On Wednesday,
2811 September 29, Parks called :Mara Escrow and again asked that they send him the
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Preliminary Title RepOli and the signed Purchase Agreement. (Id. at t"' 7). Parks told Mara
2 II Escrow that any delay by the seller in delivering the Preliminary Title Report and the signed
3 /I Purchase Agreement would delay the approval of the loan. Od.). Mara Escrow responded
4 II that they were waiting for documents from Libow. ([d.). Later on the same day, plaintiff
5 II herself contacted Mara Escrow and pleaded that they send her the Escrow Package.
611 (Samaan Dec!., ~ 9). Mara Escrow again responded that they were waiting for documents
9 II agreement and completed her home inspection on September 30. (Id. at ~ 10). The next day
10 II Parks again contacted Mara Escrow and asked that they rush the Escrow Package to him.
11 II (Parks Decl., ~ 8). Parks did not receive a response to his request and notified plaintiff that
12 II he still had not received the Escrow Package. (ld.). Again, plaintiff continued on schedule
13 II and completed her appraisal of the Property on Saturday, October 2. (Samaan DecL ~ 10 ).
14 II The following Monday, October 4, Libow and plaintiff met at the property to review the
15 II Home Inspection Report and sign the Transfer Disclosure Documents. (Id.). Later that day,
19 II The next day, on Tuesday, October 5, Parks again contacted Mara Escrow and asked
20 II for the Escrow Package. (Parks Decl., ~ 9). Parks told Mara Escrow that he was ready to
21 II submit the loan for approval but needed the Preliminary Title Report and the fully signed
22 II Purchase Agreement before he could do so. (Id.). Later that day, Mara Escrow left a
23 II voicemail for Parks informing him that they needed more time to send the Escrow Package
24 II to Parks because defendant had not yet delivered the escrow instructions to Mara Escrow.
25 II (Id.). \lara Escrow told Parks, "[Y]ou're a little premature ... [c]ould you call us back in a
26 few days ... and then \ve can send you what you need." (Id. at ~ 9; Exh. 22). Parks then
27 sent an e-mail to Libow telling him "we'll be ready to submit for loan approval tomorrow
28 II \vhen the appraisal is in. Unfortunately, we called escrow to follow-up on our request for
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instructions and prelim[inary Title Report] made on 9/27 and they're saying we may not get
2 II everything until next week. .. As you're aware, we need these items to submit for final
3 II loan approvaL" (Parks DecL ~ 9; Exh. 23). Libow did not respond to Park's e-mail. (Parks
411 Dec!" .- 9). On the same day, Mara Escrow sent plaintiff a document listing the applicable
711 D. Defendant Finallv Sends Some, But Not All, of the Necessarv Documents to
8 Plaintiff and Parks
l) On Wednesday, October 6, plaintiff, at Parks' urging, contacted Mara Escrow and
10 II Libow and again asked them to send the Escrow Package. (Samaan Decl., ~ll). Finally, on
11 II Wednesday, October 6, after the close of business, at 5:38 p.m., Mara Escrow sent some, but
12 II not all, of the necessary documents to plaintiff and her loan broker, Parks. (ld.; Parks Decl.,
13 II ~\ 10). Specifically, Mara Escrow delivered the Escrow Instructions and the Preliminary
1411 Title Report to plaintiff and Parks. (Samaan Dec!., ~11; Parks Decl.. '110). Mara Escrow
15 II did not, however, deliver the fully-signed Purchase Agreement. (Samaan Dec!.. ~ I L Parks
16 II Decl., ~! 10). Because Mara Escrow sent the document after the close of business, plaintiffs
17 broker did not receive the documents until the next day, Thursday, October 7. (Samaan
18 Decl., '111; Parks Decl., ~ 10). One day later, Parks notified Libow that he was submitting
19 II the loan to the lender for approval but that the lender would not receive it until October 12,
20 II because Monday October 11 was a holiday. (Parks Dec!., ~ 10). The following week, on
21 II Friday, October 15, Parks learned that the lender was suspending a decision on the loan
22 because defendant had not yet provided Parks with a signed Purchase Agreement. (Parks
23 Dec!.. 'j 11). Parks immediately contacted Mara Escrow and urged them to send him the
24 II signed Purchase Agreement. (ld.). Mara Escrow told Parks that they had not yet received
25 the signed Purchase Agreement from defendant. Od.). The following Monday, October 18,
26 Mara Escrow sent Parks some additional documents, but still not the fully-signed Purchase
27 Agreement. ([d.). Not having received the signed Purchase Agreement, Parks pleaded with
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E. The Lender Approves the Loan and Plaintiff Removes the Contingencies Before
41110an. (Parks Decl .. ~ 12). Parks informed Libow of this fact and told him that the loan is
5 II conditioned on the appraisal review due by the end of the week, October 22, and the lender
() II receiving the signed Purchase Agreement. (ld.). On the same day, Libow faxed plaintiff a
7 II Notice to Perform and remove Loan & Appraisal Contingencies. (Samaan Dec! .. ~ 12). On
8 II Wednesday, October 20, plaintiff removed the Loan and Preliminary Title Contingencies
9 II and wrote a letter to Libow explaining that as the loan's approval was conditioned on the
10 II appraisal review, she could not remove the appraisal contingency yet. (Samaan Deel., ~ 12;
12 II On Thursday, October 21, Parks contacted Mara Escrow and informed them that he
13 II was ready to order all the loan documents, but could not do so until he received the signed
1411 Purchase Agreement. (Parks DecL ~ 13). On the same day defendant himsclfwrote a letter
15 II to plaintiff telling her that if she did not remove the Appraisal Contingency he would cancel
16 II escrow. (Samaan Decl., ~ 13). Later that day, Libow wrote to plaintiff confirming that
17 II defendant had agreed to extend the deadlines in the parties' agreement and asked for a
19 II apartment. (Id.; Exh. 13). The next day, Samaan informed Libow that an extension of
20 II closing would be acceptable to her. (Samaan Decl., ~ 13). On Friday, October 22, Mara
21 II Escrow sent Parks a Purchase Agreement and Parks immediately sent it to the lender
22 II Countryv, ide. (Parks Decl., ~! 14, Exh. 24; Hershowitz Dec!.. ~ 3; Exh. A). Parks also
23 II called Libow to provide him with an update. (ld.). Later that day, Libow e-mailed Parks
2411 (copying plaintiff), raising the possibility of a two-week extension of close of escrow to
25 II enable defendant to find an apartment. (ld. at ~ 14). The following Monday, October 25,
Parks received the lender appraisal approval and immediately e-mailed Libow informing
him of the same. (Id. at ~ 15; Exh. 25). Upon learning of this fact, plaintiff immediately
called Libow and told him she was removing the Appraisal Contingency. (Samaan Decl.,
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-: 14; Exh. 7). At 5:22 p.m. on the same day, plaintiff t:1xed final contingency removal to
211 Mara EsoO\\. (Samaan Decl .. ~ 14; Exh. 14). At 5:24 p.m., after receiving plaintiffs
3 II removal of all contingencies, Mara Escrow faxed plaintiff the defendant's Cance1Jation of
4 II Escrow. (Samaan Dec! .. ~ 14; Exh. 15). In the same document, defendant wrote that he
5 II \vould keep plaintiffs 530,000 deposit as liquidated damages. (Samaan Dccl., ,; 14; Exh.
611 15 ).
8 III. ARGUlVIENT
15 II misrepresent her financial ability to purchase the property from him. However, he offers no
16 II evidence, other than his own self-serving speCUlation, in support of this claim. Moreover, it
17 II is entirely unclear how this alleged conspiracy was to have played out - had defendant
18 II followed through on the transaction, plainti ff would have had to come up with the purchase
20
23 agreement in connection with her opposition to his first motion to expunge. (Plaintiffs
24 II :Vlotion, pp. 9:22-1 I :9). However, he offers no credible evidence indicating that this is so,
25 II such as an "unadulterated" version of the purchase agreement. Moreover, a disinterested
26 witness has testified that the purchase agreement plaintiff submitted is authentic and valid.
28
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Defendant also claims that plaintiff could not have obtained a loan to purchase the
3 II Countrywide Home Loans, Inc. ("Countrywide") in discovery. (Plaintiffs \Iotion, Exh. 1).
4 II However, the document does not actually say that plaintiff did not qualify for a loan (ld.).
6 II plaintiff would have qualified for a loan had defendant followed through on the transaction.
11 II mail. This claim is simply untrue. Plaintiff served her notice of lis pendens on defendant by
13
15 Defendant claims again that plaintiff was required to remove the Appraisal
16 II Contingency by October 11, 2004, but did not do so, entitling defendant to cancel escrow.
18 II October 11, 2004, was caused by defendant's own delay and failure to provide plaintiff and
19/1 her lender with documents plaintiff needed to remove the Appraisal Contingency.
20
23 II Civil Code § 1511 provides that prevention by one party will excuse want of
24 II performance or delay on the part of the other. This provision has been applied to real
25 /I property transactions: "The party responsible for the delayed performance cannot cancel the
26 II escrow because of the tardy performance." Miller & Starr, California Real Estate, Escrows
27 II ~ 6:20 (3rd Ed. 2(00); Ninety Nine Investments, Ltd. v. Overseas Courier Service,
28 11113 Cal. App. 4th 1118, 1134 (2003); Rubin v. Fuchs, 1 Cal. 3d 50 (1969) (affirming award
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II/of specific performance and holding "thc sellcrs \VCIT not entitled to unilaterally rescind the
5 II Purchase Agreement.
6 II Defendant failed to timely perform every single one of his obligations under the
7 II Purchase Agreement and his repeated delays were the sole cause of plaintiffs inability to
8 II \vaive the Appraisal Contingency by October II. The following chart indicates the dates
9 II defendant was supposed to fulfill his obligations and when he finally did:
10
I--
11 Defendant's obligations IDefendant's deadline (RN, Date defendant finally
Exh. 1 at Exh. 5) performed
121 1 1
---
Provide Signed Purchase I 09/27/04 After 10/22/04
13 III Agreement including Joint
Escrow lnstmctions(288)
14 f-
Wood Destroying Pest (4A) 1% 1/04 10104/04
15 II Lead-Based Paint Hazard (SA) 10/01104 10/04/04
16 I Natural and Environmental 1010 1/04 10104/04
Hazards (58)
17 111 Condominium/Planned Unit 10101104 10104/04
Development Disclosure (6A)
18111+-1~~
Known Material Facts 10/01/04 10/04/04
19 III Disclosure (7 B)
20 III rr~~ife Preliminary Title Report 1 10/ 0 1/04 I 10106/04
I
21
24
25 b. De{endant's delavs preventedJ2lg.intitlfrom removing the Appraisal
26 II Contingencvon October / l.
27 II The most important of the documents defendant delayed in providing to Samaan was
28 II the fully executed Purchase Agreement (which included the Residential Purchase
2 II executed Purchase Agreement, signed by him on page 8 of 8 and initialed by him on every
3 II page, to the parties' escrow agent on or before September 27, 2004. (Request for Judicial
4 II Notice, Exh. I, Exh. 5). On September 22, 2004, Libow provided the escrow company with
5 II a copy of the Purchase Agreement, but this copy was not initialed on every page by
6 II defendant and was not signed on page 8 of 8. (Hershowitz Decl .. ~i 2). Defendant himself
7 II has admitted that he did not sign and initial every page of the Purchase Agreement until
8 II "sometime in October 2004". (Request for Judicial Notice, at Exh. 2, p. 10, ~ 4). In late
9 " September and October Samaan, her broker Parks and Mara Escrow repeatedly asked Libow
10 II to ask defendant to go to Mara and sign and initial every page of the Purchase Agreement.
11 II (Samaan Decl., ~~ 5-11);(Parks Decl., 4-13). Libow and defendant ignored these requests.
12 II For example, at Libow's deposition he was asked, "Do you ... recall asking Mr. Zemik to
13 II go to escrow to sign a document?" Libow answered "No, no, no." (Keshavarzi Decl.,
15 II The undisputed facts show that defendant did not go to Mara Eserow to fully execute
16 II the Purchase Agreement until either after 3:42 p.m. on October 22, 2004, one Court day
17 II before he attempted to cancel escrow. (Hershowitz Decl., ~~ 2-5, Exh. A);(Parks Decl.,
18 II Exh. A). On October 22, Victor Parks contacted the parties' escrow officer, Gail
19 II Hershowitz and asked her to send him a copy of the Purchase Agreement signed and
21 II Dec!., «: 14)(Hershowitz Decl., '13). At 3:42 p.m. on October 22, Hershowitz sent to Parks
23 Exh. 24 )(Hershmvitz Decl .. -: 3, Exh. A). This document is not initialed on every page by
24 dcfendant and is not signed on page 8 of 8 by him and shmvs that as of 3:42 p.m.
25 II Octobcr 22, 2004, defendant had not yet satisfied his obligation of delivering a fully
27
2
Defendant cannot escape liability by blaming his agent Libow. As a principaL
28 defendant is bound by the acts and representations of his agent. Cal. Civ. Code
2 11113 Cal. App. ·Hh 1118 (2003) is on point. There, the parties entered into a written
3 II agreement for the buyer to purchase the seller's undivided one-half interest in two
4 II properties. Id. at 1118-20. Escrow instmctions specified a closing date and that time was of
5 II the essence. ld. The seller did not deposit the escrow documents into escrow until three
6 II days before the closing date. [d. He also did not submit other documents required to be
7 II provided to escrow until the date of closing. Id. Meanwhile, the buyer had submitted a loan
8 II application to a bank in order to obtain financing for the purchase of the buildings and had
9 II done nothing to prevent the loan from funding on the closing date. Id. Because the seller
10 II had not provided the necessary documents, the loans did not fund and the escrows did not
11 II close. Id. Subsequently, the seller gave written notice of cancellation of the escrows. The
12 II trial court denied specific performance and the court of appeal reversed. On appeal seller
13 II argued, as defendant does here, that it had the right to cancel escrow because under the
1411 escrow instmctions the buyer was supposed to procure funding by the close of escrow but
15 II did not. The court of appeal rejected this argument: "Overseas' [the seller] failure to timely
16 II comply with its escrow obligations prevented the escrows from closing and the loans from
17 II funding by the closing date when they otherwise would have. Overseas' conduct therefore
18 II operated to excuse appellant's [the buyer] performance by the closing date." 1d. at 1135-36.
19 II Here, just as in Ninety Nine Investment, defendant's delivery of the Preliminary Title
20 II Report and signed Purchase Agreement were necessary to enable plaintiff to procure a loan
21 II and remove the Appraisal Contingency. (Parks, Decl. -;fJ 3, 16). Plaintiff was ready, willing
22 II and prepared to perform and remove the Appraisal Contingency.
23
24
25
26
~ 2333. Moreover, 'lin any third-party claim against the principaL both principal and
27 agent are deemed to have notice of vvhatcver either has notice of which either should
.~.ru communicate to the other." Miller & Starr, California Real Estate, Agency § 3:50
28 (3 Ed. 2007)(citing Cal. Civ. Code § 2332).
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2. Defendant waived the time provisions in the contract because he delayed in
3 II California law provides that "even though the [escrow] instructions reqUIre
5 II provision." Miller & Starr, California Real Estate, Escrows ~ 6:21 (3rd Ed. 20(0). "A party
6 II \vaivcs performance within the time specified in the [escrow] instructions ... if it permits
7 II the time to elapse without objection and without insisting on timely performance." ld. at
8 II ~ 6:22. Here, as an initial matter, time was not of the essence in the Purchase Agreement.
9 II To the contrary, during the life of the transaction, defendant delayed, asked for extensions
I I) II and failed to rigidly enforce any deadlines. For example, defendant's delays prevented
11 II plaintiff from removing the Loan Contingency until October 18, after the deadline for her to
12 II do so, but defendant never complained. Defendant also agreed to numerous extensions of
13 II deadlines. Defendant's pattern of delay, requests for extensions and failures to insist on
14 II strict compliance with time prOVIStonS, constitute a waiver of the proVISion requmng
16 11210 Cal. App. 2d 818, 823 (1962) (holding that defendant waived the time provision in the
17 II escrow agreement because "he collaborated in the continuance of plaintiffs efforts to meet
18 It the contingencies, but had frequently waived time rigidity in the culmination of the sale).
19 II Amazingly, even with all of defendant's delays, because of the diligence of plaintiff
20 II and her broker, escrow would still have closed on November 1, the date the parties had
21 II initially set for close of escrow. (Samaan Decl., ~ 14). Defendant cancelled escrow on
22 II Octobcr 25, one jid! l-veek before the date for close of escrow. When defendant cancelled,
2311 plaintilThad already ordered her loan documents. (Parks Dec!., «; 16).3
24
25
26
27
Plaintiff will also prevail because she can prove all other elements of a cause of
28 action for specific performance. (Samaan Decl., -: 16).
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3. Samaan removed the appraisal contingency before defendant cancelled
2 escrow.
3 II Defendant's motion should also be denied because plaintiff removed the Appraisal
4 II Contingency before defendant cancelled escrow. Thc actual Cancellation Instmction was
5 II not scnt until October 25, 2004, at 5:23 p.m. (as evidenced by the fax line on the top of the
6 II page) (Samaan Dec!.. (j 14; Exh. 15). However, when Mara Escrow sent this fax plaintiff
7 II had already removed the Appraisal Contingency. (Samaan Decl.. ~ 14; Exh. 7);( Parks
8 II Dec!.. c: 15; Exh. 25).
9
10 II C.
If Defendant Sells the Property, Plaintiff Will Be Left with No Effective Remedy
11 Here, monetary damages will be inadequate. Civil Code § 3387 provides that "it is
12 II presumed that the breach of an agreement to transfer real property can not be adequately
13 II relieved by pecuniary compensation. In the case ofa single-family dwelling which the party
1611'[ 16).
17
18 IV. CONCLUSION
19
20 II For all the reasons stated above, Samaan respectfully requests that the Court deny
21 II defendant's motion.
22
25
26 By
27
Attorneys for Plainti ff
28 ~IVIE SA\1AA:.I
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DECLARATION OF NIVIE SAMAAN
3
411 1. I am a licensed real estate agent and the plaintiff in this action entitled
5 II Samaan v. Zemik, Case No. SC 087400. I have personal knowledge of the facts set forth
6 II herein, which are kno\vn by me to be true and correct, and if called as a witncss, I could
10 II we began searching for a home to purchase in Beverly Hills in anticipation of our wedding
11 lion September 18, 2004, in Hawaii. At the time lae Arre Lloyd and his three daughters
12 II lived together in Lloyd's two-bedroom apartment on Peck Drive in Beverly Hills but I did
13 II not live with them. Our search for a home was limited and driven by two main factors: (1)
14 [lour budget was approximately $1.7 million, and (2) because our children were enrolled in
15 II high school and middle school in Beverly Hills, our new home had to be located in the
16 II Beverly Hills area so that our children could remain in the same schools. Even within
17 II Beverly Hills, our search was limited to a ten block radius from Lloyd's apartment. There
18 II are three middle schools in Beverly Hills and two of our three daughters were enrolled in
1911 one of them, the EI Rodeo Middle School on Whittier Drive (currently one of our
20 II daughters is still enrolled at EI Rodeo). In order for our daughters to continue to attend EI
21 II Rodeo we have to live in the school's coverage area w'hich includes an approximately ten
22 II block radius around Lloyd's apartment on Peck Drive. Keeping our daughters in the same
23 II school was very important to us. Lloyd's daughters had lived with their mother (Lloyd's
24 II formcr \vi fe) until February 2004. Between 1999 and 2004 Lloyd's daughter had moved
25 II five differcnt times and had changes schools a [cv,: timcs. It was very important to us to
26 II provide them with stability. Eventually, in August 2004, I moved into Lloyd's t\\/O
2711 bedroom apartment hoping that soon our entire family would move to a new house.
28
2 II Peck Drive.
3
411 3. In the hot real estate market of2004, we found it ncar to impossible to
5 1/ find a house in Beverly Hills within our budget. Between March and September 2004, we
6 II placed several otTers on various homes, but none were accepted. Eventually, in early
7 II September 2004, approximately two weeks before our wedding date, we found the
8 II property that is the subject the present dispute, located at 320 South Peck Drive, Beverly
9 II Hills, California 90212 (the "Property"), just up the street from our house. I am informed
10 II and believe that the Property was, and is, owned by defendant Joseph Zernik. His agent in
12
1411 via facsimile to Libow. Attached hereto as Exhibit 1 is a true and correct copy of this
15 II offer. Six days later. on September 10,2004, defendant, through his agent presented me
16 II with a counteroffer. Attached hereto as Exhibit 2 is a true and correct copy of defendant's
17 1/ counter-offer. At the same time, Libow informed me that defendant had received multiple
18 II offers on the Property. The next day, on September 11, 2004, I accepted all of the terms of
19 II defendant's counter-offer with the exception of one item and faxed my second counter
20 [I offer to defendant. Attached hereto as Exhibit 3 is a true and correct copy of my second
21 II counter-offer to defendant.
22
23/1 5. r did not immediately hear back from Libow or defendant. I waited
24 II until September 13, 2004, and not having heard from defendant wrote again to Libow
2 II offer.
3
411 6. Because Libow faxed his acceptance late in the evening, I did not
5 II aChml1y receive it until the next morning, as I was preparing to leave for my wedding.
6 II That morning, September 16,2004, before leaving for the airport, I faxed Libow an
7 II addendum to the Purchase Agreement changing the acceptance date to September 23.
8 II was concerned, and had previously communicated this concern to Libow, that if we did not
9 II move the acceptance date to September 23, I may not be able to comply with the deadlines
11 II Libow I expressly told him that if the date was not changed "I will not be able to meet the
12 " terms of the Purchase Agreement." Attached hereto as Exhibit 6 is a true and correct copy
13 II of my facsimile to Libow. I also asked Libow to have the Escrow Instructions, the
14 II executed Purchase Agreement and the Preliminary Title Report (the "Escrow Package") to
15 II my house during my absence so that I could begin working on the transaction immediately
16 II upon my return. While driving to the airport to leave for my wedding, I called Libow at
17 118: 18 a.m. to follow-up on my fax asking for the date of acceptance to be changed to
18 II September 23. Attached hereto as Exhibit 7 is a true and correct copy of my phone records
19 II evidencing some of my telephone calls related to this case, including my telephone call to
20 II Libow on September 16. Libow told me that there was no need to sign the Addendum and
21 II assured me that defendant would give me additional time to meet the deadlines in the
22 II Purchase Agreement if needed. On September 16, upon arriving in Hawaii, I initialed the
23 II second counter-offer and faxed it back to Libow Attached hereto as Exhibit 8 is a true and
2411 correct copy of fax to Libow from Hawaii. According to our agreement the deadline for
25/1 close of escrow was November 1, 2004.
26
2711 7. Lloyd and I returned from Hawaii on September 23. Even though I
28 1/ had asked Libow to deliver the Escrow Package to my house during my absence, he had
508 / 745
\\()~-WFS r 1\1\IKl .jOI)32~~l)5 1
----=.l
Court File: "Volume IV Continued" DECLARA no", OF '\i[VIE SAMAAN I
Samaan v Zernik (SC087400) Los Angeles Superior Court
not done so. \Vhen we rehimed we had a voicemail from libow informing' me that he
2 II needed the deposit check of S15,000 delivered to escrow the next day. The next morning,
3 lion Friday, September 24, I immediately began working on the transaction. I delivered a
4 II check for S15,000 to Michael Libow's assistant for dehvery to escrow as requested by
5 II Libov,:. On the same day I ordered a home inspection and submitted the necessary
6 II financial documents to my loan broker, Victor Parks at Pacific ~ortgage Consultants for
7 II approval. The same day, I contacted the escrow company, which defendant had selected,
8 II Mara Escrow Company ("Mara Escrow") and requested the Escrow Package. Mara
9 II Escrow responded that it could not deliver the Escrow Package because defendant had not
11
12 8. On October 4, I delivered a cashier's check to the escrow company.
13
14 9. On Tuesday September 29, I learned from my broker Parks that he
15 II still had not received the Escrow Package from defendant or Libow. I contacted Mara
16 II Escrow and pleaded that they send me the Escrow Package. Mara Escrow responded that
18
19 10. Meanwhile, I proceeded on schedule with my obligations under the
22 Monday, October 4, I met Libow at the Property to review the Home Inspection Report
23 and sign the Transfer Disclosure Documents. Later that day, libow faxed me the Buyer's
24 Reports, Disclosure and Buyer's Investigation Contingency Removal. I signed and faxed
25 /I the document back to Libow within minutes of receiving it. Attached hereto as Exhibit 9
509 / 745
-lI)0322~<)5
W()2-\\LST l\l\IKi
Court File: "Volume IV Continued"
I ~ DEC LARA nOl\; OF l\IVIE SA\'!AAN
Samaan v Zernik (SC087400) Los Angeles Superior Court
11. On \Vednesday, October 6, Parks contacted me and told me that he
2 II still had not received the EscrO\v Package from the defendant. At his urging, I called Mara
3 II Escrow and Libow and again asked them to send the Escrow Package. Finally, on
411 Wednesday, October 6, after the close of business, at 5:38 p.m., Mara Escrmv sent to me
5 II and Parks some, but not all, of the necessary documents. Specifically, Mara Escrow
6 II delivered the Escrow Instructions and the Preliminary Title Report but not the fully
7 II executed Purchase Agreement because Mara Escrow sent the document after the close of
8 II business, Parks did not receive the documents until the next day, Thursday, October 7. On
9 II Friday, October 8, I delivered a cashier's check in the amount of $15,000 for the deposit to
10 II Mara Escrow. Attached hereto as Exhibit lOis a true and correct copy of my second
II II deposit check. Monday, October 11 was a holiday.
12
1311 12. On Monday, October 18, Libow faxed me a Notice to Perform and
14 II remove Loan & Appraisal Contingencies. On Wednesday, October 20, I removed the
15 II Loan and Preliminary Title Contingencies. Attached hereto as Exhibit 11 is a true and
16 II correct copy of my fax to Libow removing the Loan and Title Contingencies. I also wrote
17 II a letter to Libow explaining that as the loan's approval was conditioned on the appraisal
18 II review, I could not remove the appraisal contingency. Attached hereto as Exhibit 12 is a
19 II true and correct copy of my letter to Libow. Zemik's failure to provide the fully executed
20 II Purchase Agreement was the only reason I could not remove my appraisal contingency,
21 II because I could not remove that contingency until Countrywide had approved the appraisal
2211 of the Property.
23
24/1 13. On Thursday, October 21, I received a letter from defendant himself
25 II telling me that if I did not remove the Appraisal Contingency he would cancel escrow.
26 II Later that day. Libow wrote to me confirming that defendant had agreed to extend the
27 II deadlines in the parties' agreement and asked for a closing to be extended from ~ovember
411 14. On Monday, October 25, I learned from Parks that the lender had
5 II approved the loan and the appraisal. Upon learning of this fact, I immediately called
6 II Libmv at 3:02 p.m. and told him that I was removing the Appraisal Contingency. Exhibit
7 117. At 5:22 p.m. on the same day, I faxed the final contingency removal to Mara Escrow,
8 II removing the appraisal contingency. Attached hereto as Exhibit 14 is a true and correct
9 II copy of my facsimile to Mara Escrow removing all contingencies. At 5:24 p.m., Mara
17 II ready, willing and able to perform. I have had and continue to have the financial ability to
18 II procure a loan and close escrow. Attached hereto as Exhibit 19 is a true and correct copy
19 II of my bank records showing that I have more that necessary to pay my down-payment for
20 II the purchase of the Property. I have also been pre-approved for purchase money loan by
21 II Metrocities Mortgage for the purchase of the Property.
22
23/1 16. After defendant attempted to cancel escrow we continued looking for
24 II homes but could not find any within our price range in Beverly Hills. Our budget is still
25 II around ~ 1.7 million. Property values have substantialIy increased since 2004, to the point
26 that we are currently priced out of the market in Beverly Hills. Attached hereto as Exhibit
27 16 are true and correct copies of real estate records indicating the homes in our
28 II neighborhood now sell at the 52.2 to 52.5 million range. {fthe Court, grants my Motion
[,)1 Summan Judgment 1. my hushand :lnd our three chlldren !Dlend to occupy ~20 SPeck
3
-+ 17 After he attempted to cancd escrow. defend:mt put hls house back on
5 II the market aDd !Iste{) II for sJle but Il1structed his broker to tell me thilt the house IS no
6 II longer for sJJe Attached hereto as Exhl bit 17 is a true and correct copy of plinlout from
7 ~11Y1L<;; date-d ;\ovember 3. 2004. sho\\1ng the Property was std] on the market as of that
81 da[e Attached hereto as Exhibit 18 is 3 true and correct oopy of defend:lnt em:111 to Libo"".
9 I wluch defendant produced dunng discovery,
10
1I I declare under penalty of peljury under the la\\:> of the State of California
13
15
4~
II
16
17
Nhie ::Sllmaan
18
]9
20
21
221 1
23
24
.,
..::.)
26
.,~
... l
28
- 1
,\O~-\VEST lM!,fKr,,0031.!i9~1 LE:L.-\RATIClN (IF Nr';:E SAlvlA..-\N
i.:
512 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~.,"" CD-r - ..,
<:a._An Griffin R.cA . ~a~-H'1
Facsimile Transmittal
To: Michael Libow Fax: 3\ 0.2784934
cc:
Notes:
Hello Michael. This is a purchase for my personal residence. Please call me should you have any
questions. _
Nivie Samaan
Office 310.849.38) 6
Fax 323.843.9378
E-mail: Nsamaanl@aol.com
EXP.!2/T ,
513 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~~1.~/~~:2~~~"A;::': • ) 11
". 27T ..
CAUFORNIA .
=."".., ,l'04 3:~9PM;
PAGE
PAc£ 2
Ba
~
.. (: .l I. J F II PC , I .\ RESIDENTtAL PURCHASE AGREEMENT
A~~ " .. c; 0 ( I .\.\ I 0 ... AND JOINT ESCROW INSTRUCTIONS
... or: Iff. -I.1.·ru!t . FaI u.e Wllt115I"" Fllffllly ","'-"1 ~ -
IC.A.1Il.1lofm .A~ "ev"- '0102)
""Nc1 • ~
. __ .
.._ . _ 00i<af1 $ ....
l ....~(~.,.li'-O ......
Ql'.Q"'Q'"'QI!-'Ov
_
D. CLOSE Of E.SCROW sn;1I OCClJr on _ Octo.b9c .u, 2004 :a_l ror:J D:lys AA2r 1<c:I:eQta_).
2 FlNol~ TE,qMS: Oblao1'l'n; t"e lea.... below IS I CCIf'ItinO"'l:Y Cll ttl,. AG-nt un~ (l) .~r 2K Of ~ • c:ft«l<eG oeIllW' Of (II) OIIW_
19reeC " .... rt...... Btryer inal ac\ dll'iCnlIy and,n QOOCllatlt II? Ol:Qin Ille deSoG"*eclloena. Otlmir'l"G QIlpOIIt CQMlllll'f"lenl ."" 0-119 I;IOS\S • eDt
~ contingency. Buyer '~rn<!ms !!'Ill ivnCII WI.
tit goad wn... depo • ..., ~ Etc:r- Hollie•.
• 10.OeO.oO
A. INfTlAL OEPOsrr: BlJYer t\aI gwePl • c»oosc ,PI file ,moWl'lI of.
t:l1'W ~,,: SU~"':IMO IIIe o".r (or \l) LJ _ ). tly c.rwo.- c:t-.d<
..nlCl\ ,.-.al be "aid uI'asnltd ur'lti "'-17III"ClI .nd then dep:l~ ",111m) 11..-..- d.~ Iller ~ c a
10":::_ ).
0 •.no arolle"
Esao.or 1"1010....
.."tn,I'
(0'
IS. INC/U:ASED DE~: Buyer I!woW tIePOSII Wltn Esc..:... Helder ." .fterttllS8d ~
~r CJ
II' t"e .mounl rtf
~~ 'can feeSl:lolr'lS nOl \0 ,nceed (n.... It.".,... IIlDly wnellW ",. align_d loin
IS convc-"llOn.l. F~ Or VA I
SUtr Sll.I D~y % eNeounl PO""" S.Utr ,1'11111 pay otIIer len nat a*'-<llll be PlIl2 by 8vv- r .
:JnO\lQ e.ee~- 5 - - - - 5~ne, s,,*1 pay me ~ "' ...... r ",qured FW~ra (1nQ1ld1ng
:hoa.e to, ..-DOd OHlr'OY'nQ peIIt~ tl(lI 0 " , - _ prrwid.:! lor ,PI th" .-.;raement. not III .. ClHCl
C
S . _ _ _ IA~llloln ~ \ mOly tno"t'"
it ~I~ ,~nce ~ . tuna.rtg
514 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
_).~/~~(2~~....L5~ • ) .31
310 271 4e~~
,
~'001 3:~OPU;
PAGE as
PAGE 3
e.t leagptwr
CIl'_ ....
f 70t'N
'01 IndlHle rool c.o..""Ps I' o'tlpeny is • conOo",..""a" Of l:lCa.cl i" I _ rnw'~ WOCIrv.1QII t'Ie ~ .,.. inClude 01llY .".
. . par~18 'm,rea; ;;ll'<l any IiltClus,ve""M ,,..5 1letn;Ir,,,*rTllll aPld IIIlIll "01 anouC!e c:onvnol'l ar_, un_ otr'iIH'NIN ag_ WIIter teS/S 01
snower PI"~ "'" \leper _81 \ll'llts may not ~ per10rmed ...,rmo~l eonaenl til 1ne owners tilllt'OIll"" IlelcNr IN _ ,
0" (2/ C!ililf CI1CCIl.ICr) Th' att.CileO .clO."dllr.\ (CA Ill, I'orm \flIP'" 'tI9Ird"'8 _ OdII'Oytng _ t ,~::tro" IIlCl .1I11c:atill" r:tf _ '- ~ . ,
,nro lI'l. "'ore-m
Ii. OTlillll IHS...CT1OH5 ANO R£PORT$'
11 I ~ auyer c:i S.IIe' ah,:1 Pay 10 /'I,w JePtiI: Of ~ _Ige dIIpm-' ~ySM_ ~ , * " _
12) C' au,."
Q S.Ue, .h,1l pey to ~IW domft!lC well!. Wl1ldftl, _ . , Pctlltltlly and prOdulllVlfy _ _-:- _
13J C !lu~' :JIl ~ ~hll DaY tor a I\lll\lfllllllaans lCM a ~... ~ ~... by .il#!.Ietol~..llJeLlrtJ.LJ..
lilh[J;ClIU.LRWRW _
(4) ~ 8\l~' C' Sellar srlln oly 10' tlw tQIlOW~ ~ n o,_1t
15) 0Eluye, :: Sele' S"~II pay trY rile tollowlft9 ,_Clten Of' 'eI'OlI _
14) 0ElL.vel r
Seto«< .~IU tNt.,
~O.t.~"' Dt'IC*-.or> Ms ~--------------"':"":_:_::':""_:__:==_::=::::~:::
(~l Cauya' [:il 51..' .haIl PlY lIle ::l)$l nollO ' . - d S .!SO gq , of I one-year ~- -1'l'IfIl)' olal',
1$$-' ~y DoE.! t ~.II Rsep lJarQ!DCr/Dqn liz.."
wlln Ihe Igj_ng c:.o>oe'aga
op~"nal _
(ll) Q Swyel 0 S,Ult, illY 10'
~I . ~ _
(2) 8<.J~' .~'L, w,I".' t ... tome s~ In oara9rapn ' .. a(1) ",turn s~ COCles "lIne StlMOIY ancIlNtl D~QIJ~ III Sellltl
'3} I" It'lt ....ent Se"lr pna, Ie CI_ Of dcrcMr, IleOO""'!' 7/011111 of 1 C l _ tlOt'ditlanA
. ,o,ccuraey ,,, CllSClOSu~:. ,roton'nehon Of .."..,.nWI"",. pt'IVlOtnly 0_10«<1 Ia Buyer ~ ..Nd\ !oJyet' ia 0'"-
,...."*l/y
aflecllft9 IN ProPOt't)', 0' .", ".....".1
""'WIre, Selle' II1\II1
~...." ."'~-" .~-,
"...,Io.utw IhIr" nClf be "'Qul,.a lot eot'dlta_ and
·-i~
_"aI ,r\llCCutael.a m.eloaed ... ~ d lMid for Il\r au,r .
515 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
._lalf2!2~.a.~"_~~:~ ) .31
J70 271 4e~ ).e. J;~lPM;
p~
PMiE
es
4/'~
rfI'J not be buill accOI'dI"lI to "ode. in compli,nco wlltl ~Ill IN ..... penn_ lsaued. n"
D. NOT! TO SEl..LER· Buyer ~ _ ItOM tD ,n~ ItM ~ end I ~ in ~vraDll ' - ' Do3IMd uooolnftlrlNtlon die~ In
!hoM m.pec:1Io".; (II QO,,~I U'1,. Ag..-..t; cr iii) ~I that,OU ...-. R_ina 0' taQ Ol'- action.
•. ITEMS INC1.lJO~D ""'0 VCClUOED:
A. NOTf TO 811Yl!R AND SELl.fI\; llrmllls~ II ,"CluOId or 1l'l:luoed III !tie ""'LS. ~rs or ,.,.rlIetillQ l'neIoenats an notllldvdIC!,n"'. purdlne
OnlOe or ellClvoe«llrom ",. .... "'''leU
apeelleG In ali 01' c:
e. Il'l:MS 1"ICl.UOiD IN SALE:
(1: All ~XISiING rl%1"'85 Ina frttll1Qll !l'lal af1l .... o;heod to ,,.,. ProoertY;
(2) Ewrsll"'ll II IKtTICS I mWCNlnocal. lIgl11111D. ptvfl\1lIr1O and heat~ ftlQll"". ceiling r'M. ~lIrplaCol \nw~. g.. loll" Ind ~. S~, ,,-.rna
I)",.,.. " Ippb~"C:,S Wlncow ~"d ooor 5oC,..".. a-1"9S .• t1utler1, "..;"oow CQYen"gl. atud'le<l COWOllngl ..........10" arlll:"f\8S.•_~"00'
.or
0...,.. r;1nV8te 1nte9'• • 0 ' __ "one,~
m.q",unCll.nolcapng. tre-e.""ru~.
(31 Thl! _.
IcIDw'"9~"'"
_Ie.
CC_lSIccnclt1lO'lSI'$. poc>V.pa eQu,pm~ ger'P 0001' o~""'J"""'" conuolI. m,ilbol.
1<l1tPner'l. W;ler :lIIrifie~. 'Kur1'1 syc1I-"ila_: ana
• _
(~) ..... ,te:ne ,tlQJOICl Irlel 01 tlVflSlernee".. 01 hens,nd 'I'IlttloUl Sellel wa~""Y.
516 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
18/22/2884 15:4_
oe .. I 01; ~LUt~Ll
Aft«rlLJll1I'
' " 271 ••
ret 'CI':
:r )'.04 3:52PU;
Ot\a:..suc,. r«
p~
P.lGE S"5
leo.
e?
10. RaPA!ItS: Rtl3-'" wl'lIll tle ':tl~ ;no' to fmal ~n f1'I tDnOmo~ u"oeM ~ ~r-o ;" ~"Il. ~1l'I lD tlt 1lMD"NO 1/ ~.
erpenae ......,. be ~ttormeo by &. .... o':l'lrOu;iI CIlI'l.~. prv'WdeCllh~ tI'la..,.". CtII'l"oCl _ _ aJ>PllC:ab. Llr'o. "'dUIl~ ~ ~ perom\, ",~.,
3rcl allP">".1 'equ.. ~ ~1l'I .".~ be ~mlC in • good. UclIIfuI ""'~1Wf ~ ~ .... of CIUOIlt)' .ncllIPpeara_ ~ ~ " ....ung
mz1W,..It. II I! Uf'IO_OCC Tna1 PICI Neter'tJon 01 ap~_ f1' c:esmellc len"& !olIc"""ll II ~fS rnrt nell be _sIl-.
SeIat INI\: In ClOtIin
receIPt! /of 1I\~lrs parte".,.., by 0'....... (ul prepa/ll • WI'Tt:e" Ir:U."..nt ,nClQll1lIllM ReJ)l~ I*'!C~ by Selle, atlG It'le Clata 01 lL;etl ~'"' WIll
lill) provlOB CoIlIU of '?Croll anc I"'.ments 10 Buyer!lnO' 10 hlllo'erfleallo... of CI:ltlOrOOll.
" eUYDlIN~ITY AN'.:) S!LLEJil ~"O"l't:CllOl'll F~ ENTRY U~ P~T'Y: a."ye, ,"'10 III ....Il n. ~ny ~....., ue-r of ~rl$ Iii')
".oa. ,n cam.ll e '''S'''9 Ire.., ~r InYeSlog_s .nd (Iii) onoe.nnrly lno hold s..,r OltTNe" ~ U ~ loIC*t). ca_. ~ clatNgeC
ana c:oa~ Buyer SJI•• ~rry 01 Suy.r .",11 "'Qutre anyone aCl"9 on lIuVltr I be"-" 10 ca~. e:c:ae- oJ I~. WOflUIrI' Cllmce",.-o"
Aroc Ollle<
~PO',caOIe ,".urena oe'-"'ong.Mel p'otaet,n9seller ~ ~.c;1Cy for.." "",ura
lD 1le1S()'" or Dnlp.1l)' 0c:eu~9 llUl'"'9.ny 6uye1 Investog.tJcna D<
w""' OOr>e on tI'l. "nopel"T\'lr !uj'ef'!. a'~c;non prru, III ClQ6e Of Eaccw ~ •• .o",.-a _ Qltrt.rn prllWCl_".,.,. ~ aIIcroecl s....
try I9COrcl l ng.
"NOI'ce g' """"-flt",on.,Dltty° (C A R. ~onm ""NR) tor i~ I " ~ 1M wotll C3Cfte on tilt Prgperty at ~s C1tr-.a0'1 eu,.e'-S 00"9.11l~".
uflOe' ""IS ..
lIall""'" S!'Ia" ,'''''v. IN lelm,,, .....,, o1ltlos Ag~
12. nnE ''"'0 ~n.G
A WItIlII'I 1.'If ~me ,peCl'iecl ." "...-g,.,..,
14 Buye, stIlW be ~a.<l • QJIT'eIll ore"".". (~) rePOrt ...md'l is onI\' I~ ~I ~., _ lite __ •• r 10
"'UE , OOIIet at !!tie ,"surl/le. II'\d mey no1 <:Ql1UI1'l ~ Iltm allectl"9 lrtle (k,yW', IftIeW C1 tile pnIllmrn1ry /IlOO11 ard any CllJler rNt'-rs *"oc:I\
~ Ifl'ee:t li~ ;'1. I e<>nln94!"C"t of tlu, A;reemelllil ~ In l3a:ag~1I '48.
II'
e. 7~ tC ~ll" iii ~ . . rTl c.on<lllIO~ !W.JOject to .11 .f1CUf'rI!lI1I"cel. -.menu. r;oven.,lI. ooncltJorw. rMtnc::rlot'l. ~ .l'1C OI:ller ~n~ ",,~:lt~r
el teQ:lrtl 0' not. U C'1ll'>e 0... at ~nllll ucepl·. (I)'IMMelary I.en5 af ~ccn: unleSS 8lJ)'9r IS ~umng l"-e otlUQallg"S or Lalng 1"- f>rooerTw
subject Ie Ino.. gb_~bons Ino Iii) '"CH 1'T'I2tlaf. _ic:II ieller hal agreae 10 _ .. ~
C. W~h.., 11>. ,.... wecrllood In j)I~"P~ '4A. S.M' 1111 allUTy 10 GlKIO. . to &.Iy,r an ~ae" IlrQoon 10 se_ a1Iaa~ lilt. wneener 0 1 - " or.ot
O. AI CleM Of Escrow eu~r • • 1 rece.... I ;,.nt Ge-eo CDnl4Yl1lO I . (Ill. tot tUlal CClOlle_ 0' Iong~ 'IIIU 'n ~ ....'" of _
vemtlc:al.. Or o! ;;ele,s 1e.A5ot"old ,n,.,_), 1net<;d1"9 oil .,...,,~ ano _le'
r.;l13 r 01"_'" owneo by Seo6Itr. rille sl\ell .... :IS clesqwMeClln
Bu,..,-s suOllleme"lal "C'o.o 'M$lt\C10nll "..e
MANNER OF TAIONG TITL.! MA'\' 1oIAV( SiGHlflCNofT ~Gt.l. Al\IO-TAX CO/'\lS!OU!NCfS
COt/SUlT /l.N APPROPRIATE ~OFESSlO~
e Bu~r .n.1I 'eeel.... CL 7Ai.4.lT.-. ~...-ner& Policy 01 T-'~, lnaurance. A lltlO corn=a"y. • BlIyef5 IWQ~. CIIn IlItMde InformlllD<1 aOlIUI!!Ie
• .ariabt"'y. O~SII1lt>r,ocy =<Nf'I1I;Ie and cost 01 VinoUS tIll ...urance ~.'19ft arcl enllOrserllerltS. If Buy", lit...... tint CllYIIragt o"'.r.".... 1!Yt
'~."reo by tl\tS ll.rag'IP". Bvyo:. '''all ",Etl\Jct EscrOw "1010.. i'I WI'I\l"~ .t14 pay Iny na- 1ft QCSI.
13. 5.ALE OF BUYrI\'S PltO,.IRn
A.. Ti'lll "9'"""'''1 If, ~T ;o",,"oe:nl ~n tne sa. of any pt~ ~ by Buyer
0Jl e. 0 (II c:necl'.eol Tile ""Cl'o80 !I00.noum ICA R I'0f'I'I'l CO~ regartllng lrle oo~ngel\Cf lor llle u\l 0' Il~ _Nil by 8.Jywr • infcotpomllll
n,IOlfVto Asr-•• -nem
u. nMe PERIODS: ~!AlOVAL Of' CONTI~"Cl!e; CANCa...J.TJC)N 1nG104T$: The folIowl"ll ttm. IlI"tOCIt may only l»
modlfted 0' chWi~a b, mutu81 w,men :>v• .",ent. IVPJ _vi' ~
of a>n'\inv~ Of c.lleellallcn uno.r rn. paraeraptl ""&at be .. WItting
.-oeo.
(C.AJI. Form CRI·
•. SEllfR ~AS;1 ior C ___ ) 0.)1' "'hI' A<=ollcanca Ie delt... r to 8uyer ml ~. Ol'ClOSUrw lind .ntoml_ tor wl11et1 Sellllr IS
~soon .. b. ur.a., PI ragrtpn , • SA .nd e
&A 78 anll l~.
B. ~') BVYER "1A!: 17 lor ~ __ 10• .,. A1ter ~plllnca. ull.... o ~ *9'wd In wntlnll.~.
(i) CDfncl." a' Buy.r Inw~hil.·Ons., IOOfllYIt all at,dosur... reportS a~e amer ~ t11lctma"On. """1eI1 ~ .. eellla "am s.-.r: .114
appro.. all '"anef'$ allec:.ng 1I'l' Pralle"." (inc:suong .&II-luNa p.n' and "-'t>_d p';l'11 "aurlJ. al _II .. ll!l'e< lI11o ..... tJon 1IPlll;i(,.;l '"
Iii) ,elurn til Stller S'9ned Coo- CIl SlalUttlry and laid DI5CiO~"res!lelWe~by Seller in _ n e e W1lh I>..-.gf1Cf': 5A.
(2) VII\m,~ me rme ~or.o ,,", ,.e!l), 6vyer may rclllHU' lI'I.'
S.Ntr ...,.... ~I,. or Ia"4I Iny O'".,.dIan regaroltl9 the Proper.; (C.A.R. Form
R~ I 5e11l r lin no obltg.uon to ~r.a lD or rcsoond til liklyer, "QlIft_.
CII By " " an~ ,~0' ,..-.
SDe<:Jf.eo In 148(1) tor 21 10< ~n COIltln1l"nt:)! llf 2J far ~'UI ctI""'noel'lcYl, Buyer _""'9. _ .".'l '"lI'1e
.ClCI'caO" ccnt6l9~r~ ,CAR Form CR) Of canOl I thIS
w.rt'\", tn. "'"- .pe~<f "I 14A. rtItIn ewer "- S for 0
-""reernef'It
Howe-r.r. if""
follOMng "'S~lI. repons or d~~s.rw nDC_
) 0IIys I'ft.r '_",I of,rry SUcf'1 rWmI. Of me brre 1ClI~ In
14B(', whenever IS liter 10"mQ"04 m. ,pplocal:lll aorcJ~ Of canall t!'l& ~me"l i... ~Illl: {I) gov.mmenl-mand~ tMl)eCIIOna 0'
"'PO"' ~~d as a eond~ion ot '*>s'rI$: ~ ill) Ccmmllfl I........ O~_. pursuerll III paraor.lln lie
c. CONTlN~ TION OF CON'TING!HCY 01' COHTRACTUA~OBUG.AT1Of1; ~1Il JIltGHT TO CANCEl.:
('l Sel.r ngl'lt to CaIne-I; Buy •• Cond~; $eMit... It., ftrlIllliv,ng Buye, • ~o"c. to Buy., '0 ~"" (.5 sped1led btlllW). may eam./
tillS "9_r.l 1M -"'II ;lncI autllonze rewm CIl 8v)oers lIlIllOt¢ ~. by 11M lIn1e _Uled in Ih~ ~ ...mem. au.,.r ClotII not remove II orrlI1.~
!Ilf; aOCl~eatl. CQnbn~ellC'Y Or canorl Ih;. "G~....nl Once aU I%lnllogenClei na"e ~n ..mQveQ. ,.;u,. or ettrler Buyer or setIP, lD c:IOse
esc,OW or"",. may be a tlrNc;/1llf "'. -"",-nt
(21 Contin~llon of CentJngenc:y: even .Ile,
!he aap".lJO/1 of _ t>me 5pecrfie<l ", , 48('). s..yer rete'M t!'le -.gn! lD ma". _ . I S 10 S.IIe,
f1!move ,n ... nllI'lg IN aDPllUble COnl"'98"C)' II< canOlI ~.. Agree,.,.ol :.Jn~1 Seller c:anc:I!'- PUr$UOlfll tro , 4C('). Onoe S.I~ ,...i". . lSuyu.
,..,"'.~ '.rT1CIIa! 01.11 CXlnbngenCles. Selllr rnsy "'l1 c:IInOlll"". Aclteeme:tTlllUr5u.1\t III '4C(1).
fJl 5.''''' ,jVhl to C:lrtC8I: au,.., Contncr O!l/Igetio,.: S.lIer, ....' t~ 9"'"'9 Buyer a Nct1ce 10 a.Jye'!O Perletn"' (_ speoMcl bellllOO). m.y
cancel rnu Ag-.nen ,n -Ill"" ana IUlP\Or12a "turn r;,I Buyers GePGStl lor I"y CIl ':tic 'c11OWif\Q ..ason.· el' If IW}'l!' ,.;. to eeoo•• I\It'Ids as
ra~l"",, Dy 2A c, ~e (Ill'" me ,....,os
CitPllS,NId pursu.'" to 2A or 26 a .. "ot ;ooc:J _en
Qeponed: (fti) , Buye, rllll to 1Y0YICIe I leCle' II
requln!O Dy 2G: (IV) If B~r b1illlO PlO"'''' ...,fClt.orl I' requ".cl by 2M or 2L; tv) II Seller ....oMlbly cltUPClI ........ 01 lite IIItnl'ocabOr' p"",ded
~eo~l1Ite 100...'0.'10
~.r(orm -.gird,""
0""98 10""" !l:r 1111
c,.... 01 ~CI"O'lr
In~ a.oostr .. leQ...ecl by plllQflll" " SoeIII, I.
oy 2H or 2'- IV/) ~ &vywr ,""IS lD ..'urn StltulOry .rcl L.ad D:8d~urn ;n '-QUI,t<! b'1 p.a,aQrap~ ~2): or (viI) II Buyef t.ils 10 sogn 0' ,"=.1 I
n« NCllllreCl Ie give Duyer a NOCJU 10
14) NO\ICg To .uy~' To Perform' The "''''-10 Buy,", 00 PertorlT' (C.A lit FOI""I NDP) .".I\: (i) be '" WrTln;; fii) lie .. 9"f'l by Sele': a1\O Wi) 9'....
!!luyer II _12410r f..j ) ~ourl (0' until '''-U!TIe ~'eo '" t,.,.
IPClllCMlIt DllaQfW~". ~ n ...UIo tlIlr. ll'le 'IlPIoCIIDla
acl_ ;,. N"uce Ie iiuve' 10 Perll>rr"""'y !>Or be g.ven any . .,I_In." 2 Dayl Prior til me cxporatJon plieallW". for 1Iu-,.< 10 ..move
a c.cntong.r'lcy or c.aMCe,!n1lS AQ.-rnenl 0' m<!'tl I ,.e.:!,
Cob"".,_ Iluyers "'-lilllS ( )I ) ~
Se'.rtIMllIts: )( ) l.E.J
1~."l>~''9nl t 'if',Zon: CALIFO!\NI"
PA·CA ItE\I.5E.D '0 / 02 [PAG! .. Of' 8)
~OC"""ON O~ " ... , ':'ORM. If>O<:
-'-l>y!lllle -=-I ..,lIT,,"
__
CALfFORklA RESIDE/'lnAl FOURCI1ASIE Ac;REEMiWT (~PA~'" ".G'-. OF a) T6~8'lZ-lU.l.J-.x
517 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
lEl/22/2ElEl4
'"'C"" 0 1
;
15: 4 .
"UI.~C~I_ t:l )31 31~ ,71 ~8~~ ).04 3; 53"''';
PAGE
~AGE 6/1 5
ee
10 Ol<loc.c _n ~ ff2naac:11On . ..,a Ill') UILr.lIoCI all 1"~lty, '.IlCl'lSlllIIl:;."" eS_11 br Relloln or oor~1 peru","" 10 thIiI ~cy or
QnceiJ.Cicn n,,1'U or ror '1'\aO'-' ~ Cilia," fwIlnci"ll
E E'F!C" 0" CANCELU'Tlotc ON CEPaert5; tf 811)'tr or s.-.r
ClIIIft "-"lIIn /IOlIQe d CII"Caa.l1Ol'l puraam ~ I'lgllllllul\' - . . . c l ..... tIIr
lMTl$ ot Il'U JlQrw m el'1. 8~ and Se"r agree 10 S'9fl rnJIoJal lnllrvc::~ III ~1111 me aalt and Me"""' 11'10 ~_ ~ leU Ins .,..,
:.or,s t: :nl ;l'rt-, ef't-tled Ie 'he ~ "'lIeS IftC COSlll may be pa~aDie III M.-..c:. pm\l'llll" In<! -..ndorS lor RIY1l:ft Inc:! ~ ll~ IlUMi
esc.tIlw ltelean of fu_ will r.qul.. mutua' Si9r-<l ........ lnetruetl_ "om 8u,-r ."d 5e1*, JudIC..1 ~ 01 a.1Iob-.on _nil A
P3r1y may oe I'Uo;ecIIO I c:,v~ pen.-fty of up w S',OOO for refuNl '0 aovn ILlCIt IflStructlO'lS it no gOOd ~ilPl CIiS~ nt_ _ to _ •
elltltle<llo the de~'led fundc (~MI Coo. §1OV.3),
,!. FINAL VERIAC... TlON OF CONCrTlOf\l: Eluyer ~IIIC ~lIve !!'Ie ~11O ",aka ; 1In1' l'7IJCec:DOn d lhe Pn>oertY '10th... I ~or I 0.,. Prtor
It; CI~ Of Ele",... I\IOT.4.S A CONTINGI!NC'V UJ' "HE SALE. bloli SOle'"
Ie eQtTfrm, In !"llI PT~ II rnarrlll-.<! Ilu_.'" 110 PoIIla9t11P'1 7~ (III
F',e~1rI nave C•• O complf!1~ as 1I0....c. lit'll till) selWr ~s CC~*l W'ItI1 S.IIeYi ctPle' otIItg. . . . ~",II ~'""""l
16. L10UIDATED DAMAGES; If Buyer '-ill to compleu thia p"'reh_e be;.MJSe of Buye", o-faurt, Sell« .tWllI retain.
as Iiquio.ted cYmages, the deposit actually paid. If the Property. a dwelling ..... lth no more than tour units. otte
of which Buyer inundS to occupy, then tM amount retained shall be no more tn.n 3% of ~ purch.e prICe.
Any e1lceu shall be returned to Buyer. ReleHe of funds Mil require rnll1Ual. Signed ~.. instructions from
botn Buyer and S.lIer, judicia, dKlSton or .rbitration Iwa . BUY!R AND SELL!R SHAU SIGN A SEPARATE
LIQUIDATED DAMAGES PROVISION FOR ANY INCR CEPOSIT. rCA.1it FORM RID)
I auy Irs ,,,..iaiI S.,.,...lllitiall
17 o!S,ovT; RESOl.UT'IOH:
A. M!DlAnoN: lIU,-ef line SCllw" IIgr~ ID .....11_ liMy dt&:II"lII tit daill'l _ng ~ ~ trlern O<JI I)/!his "c.-ne<lt 01 _ .....!V'O ~nudlcn.
~f:lf'e r~onl/'lQ Ie ,,'blll,lIlon "r ~urt .c:tIon Parlljlracns '78(2) and C3~ ClelOW' ~ w/le'fM. elr not I". Artl'lrllJCn 0'0_10" • "". .lotCI. IoMCSlM!Of'
' " ' rf .ny shill be :r(ooell eo •• ky .mo"9 I~ oanoe, ,nvolVed If, for.ny arsClute or ClIlIIT1 10 .... 1d'l tl'IlI ~agraptl ~I'. I"IV party tem"Wt'e-s
iI. ARSITRA nON OF OISPUTES: (1) euyer and Seller ag..... that any dispu'- or claim In law or equity a,.ln9
be-tween them out of this "gre.ment or any resulting transaction. which I. not settled through mediation,
shall be decide-o by neutral, binding 1r1:litf3tIon, IneJUdln9 and subjeet to paragrapt\S 17B{2) and (3)
The arbilrator sh.U be a retired judge or justice, or an iJttom~ with at leest 5 years of residential real . .tau
"'ow.
U1W .Jlper,ence. unless the parties mutually aa~ to a different ertMtr8tor, Who ah811 render a. award In
accordllnce with substantive California Law. The parties shall ".ve the right to discOYef)I in accOtdanee with
California Code of Civil Procedure §1213.0&. In .11 oUMt' I'Mpec;ts. tM arbitration Shall be eonducted in
accordance with Twite 9 of Part "' of the california Code of CIvil Pmc:edU,., JUdgment upon the award of the
.rbitnrtor(sl may be entered into an~ court havin; Jurisdiction. IrlterpretatJon of thle ag,...ment to arbitrate
shall be governed by the Federal Arbitration Act.
(2) ~XCL.USIOHS ""'OM "'~OIA TION AND ARsrrlUTIOfo/: The fol--.a m - . .....eluded from _ anll artIiV8A>Ol\: (I) • Judlelel
o' roon.,.."cllIllDnldo.u....... o~ laton or P-.dlrlG J,g flltOt'Clf I oeeo oIlruat.lII4)f\gI~or insta.,..nt \tInd &ale CC1nu.ct _ *"'
in C.lifo<n,. Civil Code §ztlll; lill.n .."..wful diltalMr KtIon: (III) the filing oran1orCe_nr. 01. IrIeCNinlc'w I..rs: If'4 r"'l 8fIY rNIlbIr_
" -'In,n tile Jumdietion 0'111 po'O!)lItt, SlOWn c18iml 01 b""~~ court " . "linll of I COU!t .ction 10 I!\AD" rtw raeardl,. r:A • noace crI
pe..ol"9 Idle", for or... d .t\aChment, "4!Cer.e!'lhip, In!Url~, or o~ prov~lonal I"e",.d_. ttwft ~ 'onstItl* • . - . - crI the
mediation ~nd Irbltratlon prov~
13, IlRO~~RS: e~ ancl S.llef agree to mediate Ind arblt1Rl dl~ 00' ~ involw",Cl .1ttIer or DOl" 8rokMS, CONfttent wleIl1 A
and., Il"ov'cled elltit'. or bot" !lr'llel_ 'hall I\a.,. ag...a to aueh ~l.atiofI 01' IrbllrallCWl prior U1. or ~l" • _onatIle t .... ""'r, IN
""DUD or ell'''' '" ~mad Ie !l,o,..... Arlf 'Iee~ bye..... or bCdIaroll_ ttl pa"IClj»_ In rned .. hcn 0< ~DfI.h:II. not rwsuJl
In arotel'S be.,,,
~m.a ~_ I'" the Ai/-ment.
"NOTICE: BY IHmALING IN THE SPACE BELOW YOU ARE AGRf!JNG TO HAV! APlY DISPU'T'E
ARISING OUT OF THE MATTERS INCLUDED IN THE 'ARBITRATION OF DISP~S' PROVISION D~caD~D BY
NEUTRAL ARBITRATION AS PROVIDED BY CALIFORNIA LAW AND YOU ARE GMNG UP ANY "'GHTS YOU
MIGH1 POSSESS TO HAVE THE DISPUTE LITIGATED IN A COURT OR JURY TRiAL. BY IHmALING IN THE
SPACE BELOW YOU ARE GIVING UP YOUR JUDICIAL RIGHTS TO DISCOVERY AND APP~L, UNLESS
THOSE RtGHTS ARE SPECIFICALLY INCLUC~D IN THE 'ARBITRATION Of DISPl/TES' PROVrsION. IF YOU
REFUSE TO SUBMIT TO ARBITRATION AFTER AGREEING TO THIS PROVlSION. YOU MAY Bf COMP~LU:C
TO ARBlTRA~ UNDER THE .lUTHOI\JTY OF THE CAUFORNIA CODe OF CML PROCEDURe, YOUIlt
AGREEMENT TO THIS ARBCTRATION PROVISION ,S VOLUNTARY."
"WE I-f,.VE READ AND UNDERSTANO THE FOREGOI~ AND AGREE TO SUBMIT olSPUTfS ARISING
OUT OF TliE MATT'£RS INCLUDED IN THE 'ARBITRATION OF DISPUTES' PROVISION TO NElITRAL
AR8rr~"TION." r ~I~-;;;;;----- ; - - - - ,.s 1nrtJ.ali&
S.1.. i
- - :>.,
518 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
,./'2/2••'
.:Ic", Or;
'5;42 •
"'U~Ut'I~LL t;jANKERj
},
~10 zr1
MARA
4e~i
.) SEP'22-Q4 3:504P,,;
Ptl(E 69
PAGE 7/15
21. ECUAL HOUSING OPPORTUNITY: The Property IS told in compl~nCl! W!C1'l fed.... 1. st.,c and ~I anli·cll&c.,,,...r.1ItJoo L._.
22. ArrORNE'I' FEES: I" any actIon Proc:e"d,"~. 01' ar1)U8tion ~..n Buyer ¥\d Seller an:o.ng out or tl'liS Agreement. the prr..ov6r19
euyer or S.I." in-II ~ enlrtleo 10 reasonable anom.y fees iII1CI o:ma from t". nor'l-J)re'teifing luyer or SeIer. Pcapl •• Clf'OYIOl!CI In
paragraph 17A.
23. SELECTION OF S~VICE PROVIDERS: If Brolr.el1 rei.. Buyer or S4t1ler to peT¥lns. vendCn. or aeND 01 ~uc:t J!r0-.<Mn
("Provider.). f)rocers 00 n<>ll;uarlnt" Ille performafloe of ....., PrOVloers. Buyer Ind SelNlr m.y a~ ANY Providft'l of their 0NfI
et'I001lTlg.
24. TIME OF ESSENC! ENTIR! CONTRACT; CHANGES: Trme is of the ••,.noe. All UNleralandinga ~er'I ft\e partlell .,.
I.,COTl:lOr.rt8Cl In IIl,s Agreemenl. Its tlrmll are ..,ttrload by \he partMK as e final. CClTlpl81t and udu...... ellP'WSlJOn of tneir
Agr~emem "'rth res.pec: to Ita SUb}let tnanL'f. ilndmay not be ccntradicted by ~ ~ of any prior agretmlnt or .contemporwneoue
-= ... 1I!lgreemenl If eny prOVllJlOt'1 oi mis Agretmel'lli. ~lCl to De l~neCIIVe Of 1!Wllrd lt1e re~ll1l~ PTOVl5'OI\S ...,1 _~" be
;l'Ven'I\,;" force ano e"lICt. NeitT\eof' U'lia ~9"_ml", nor any proy,.lon ,n it rna, be Ill\lnded. amenct.c1. mocllf'..a, al\Med Of
I: na "9e-d.•Jlceplln writi"9 Signed by Buyer and 5 .....
25. OTHER TERMS AND CONDITIONS, including ar1aeh1lO k,jpplemenls
A. ~er's Inspection Adv'$o!y (CAR,:,F~,,~rm~B~IA)~""'lI:'~ __-==::=-"':":":==:==:-:- ----;- _
B. U PurCt1i15f A9ree~m Adoendum (C A.R Form PM f)ilf!ll!3p1'! numb81'S: )
~. 5cll«r to pAr: b~.n clqainq '-PAt" Hl en ae;mnc nat to . . ...4 2. (~pe.o;e.g"tt t!J# r;.bt a..a&l
Purdzuw pr,;,c4 j«llcr"':, ....u qy~ 12"""'.£ hp..1dE • Cll.a..tQrp.j., B-1' E',ye:.c W"."".
G. MO ays Aft.r" .'TIltans Ihe speclfl~ numoer of cale"car dayS I!ler tT\e OCX1lrTence of !hi: event l:leCifl8d 1'101 co~ting tnll calenQilr
dale on ~rcJ'> "'e sPtc:fieCI event CCClJr5. and ending 811 t:59PM on Ihe final day.
M. "0.'1 Prior"' meana the l;peaf'aed n\l~r at alendllr Qay! befor8 the OI:C!.'rance 01 the .\IQf'tt ,~. not ccurrting the
c::illenaar aale on wNd'1 r/'lv ,pecHled event is scheduled 10 occur
I. "ElflCtTontc; CgPY" or "EIKtronic SlgMtIII"I· means _ applicable. In electTOnw:: cOQy or s'9"_1ITe complying wiIt1 e.,lfornie
Law Buyer lind Seller aQree thet electronic means WI. not be usee oy crtner party '0 modrfy or litter lhe c:ontem or wrt-vnlY of Ihll
Agreernen: 'MthoLlt Ihe kflowleclge and OOIlM'- or lne ether
J. '"Law" means """Iaw. (lOde. ltalute. on:lInance, I'W'gulatIOl'l. rule or or:::ler. wl'101 IS adoPt~C1 by a contlotling city. CXlUnt)-. &&aae OJ(
fe~1 le!l151It~V' j;Jdioal or e;ree:ut1VV body 01 agency
to< "Notice ll;. Buy..- tt) PM'form" lTl4lans a cOQJmen\ (C.A.R ~orm NBP). ~ic:h shall be In writing and Signed by 511. and ahall
gi.... 8uy~ al ,east 2" "'ours lor as othefWi. . 5P8C~ in para~raph 14C(4)) Ie ~rno.te a CQntlngency or per10rm .1
appJl<:~
~ "Iilel)all's" "'!leans ar"l' '~palr. (il'ldUdl"9 pest c:ontrol). etteratlons. realacements. modifieallortS or l1t11'Ofi11mg of the P~rty
p'C)Vlaec 'or under Ir1l5 fl.greemer'lt
M "SIgned'· 'lIe.ns llrlMer ~ ~andwrltten or .lectronlC ~19"'lute on an orlgin~1 ddCUme!'!t. Copy or any COLM'tterpart
N. 51119ular Qnd Plural lelms .laC" incl~ me othlir, WI'\erl apCll":lp".re
S.lIer~ ",~
e"V"fl 1M,. ( ~(
~ ~(
) Gl=
C"~),"ll"'C ,~~,·:oo. =.\,,·OMN ... ASSOC .... TION ~ q';'Al ~O"SC> tNC
1'lPA-<;.A 1It£Vlsr., tOlO1 (PAGE C OF 81
I
1 1 _ Or
CAUFOI'INIA ilt£SlCENnAL PURCHASE .... QR6EAlENT (~~A.cA PAGE 6 0- 8)
... Ia (
Oalll
)
I
::::.=
T62.92.1n.7rX
519 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
llV22/2ee4
- "
P'op.rtyAoo~.J2~ S
21. ,t.GE!«:Y:
15:42., .l31
............ ".. "".... ",~"n..c"',
f'«_:X"=r'
DMe··..,r-.r 4
PAGE
PAGE 8/15
ZQO,
le
A. DISCLOSURE: &lyer .nc Seller each -el\rIowIedge enor r~C)l of CAR. ForT'l'l "0 'OISColosure R.rdlng ~8a1 EsUte AgwI(:y
RelallOn5tllP$
S. POH"T1ALLY COMPETING BUY!R.S AND SElLERS: Buyer .nd Seller ucn adtnowle<1ge reoeiPi Of • dlSclolu,. 01 ~
P<lUitidrTy of rrlUlllPIe r,~".s'ntolLon by tne &roIl~r "'Pr.,e:mng 11111 jj.TlC:pa:. ThIS dlsdosure may be ~~ 01. Il~; .-emern.
buyer·!>rOl<er agreement or 5'PI~t. doo..llnem (CAR. Form O,t.). 8U)Oe1' UI'd.~tarkis ltIlt Broker l'eP""ent'"SJ Buyer may .Iao
reprelenr othQl" Poteflll31 ouy~ wM I~ COI'lIider, make otters 01'1 or ultJ.,...'Y loquwe trlt Pr-opel1y. Sel~r lIl'\~tands tf111
Brt1It<er reoresentir"l) S.\II~· may also represlll'lt other sel\e'" 'I¥i1l'1 com~bl'l9 ~pertl8l 01 int~lla tn's Buyer.
c. CONFIRMAnON: The follOwing Igerocy rfolllion5/'l1ps • • "'reby
c-.onftlTTled rcr 1hi& rransac:tion:
L,sling Age'11 - _ _ _ _ Ce.ld...l l !tpW <Print Firm Name) '- ttI4 ~
of (e:t~Ck one): [I :,oe S.lIer eJ'Clu6/1Iety: IX 0 belt'! me Surer and ~r,
Sel,ng AgenT ._ ~u*p !iriail2 .&t&J.t:an: (Print F,rm NarTll!) rtf nee same
as Listing Agenl) Is tne .~m cl (=tie<:!< one): ll'the auy.r exclu&Ntfy; or 0 lI'1e Seller liZdUSlv~ 01' 0 oott'l 1"- Buyer Ind
~r. Real E,lalll! Bro ••r, are "Clt plrft_ l(l rhQ Agrwemeont oetW. .n Buyer and Selll!r.
A. The loIlo.. l~ pal'ainlP""" or Ipplieable POI'Clona thef'eof, of this Aore-ment c:onebt18 ttw t/)inf .lCr_ inftruc:tiona of
Buyer and S.II." to Escrow HoIcSft. whic:tl Esc70w Holder II Ie use elong wttl'I any related counter ~ one adCl.nCla, ana "'y
8d:1lllOf1l' '''••llLJal '''&!ructions 10 dOH rI'le escroN: 1, 2. 4. 12. '38. 14E. 18. 19. 2". 258 wid C. 26. 28, 29. 32.4, 33 InC
~.ra9raph D 0' me sectIOn tJ11«'d Re.I Estate Brok~rs on page a If • Copy of ltIe WC)arale compensation Il1r.-ment.(l) provi4ed
tor In plJragrapt, 29 or 32A or oaragraPl'1 0 01 the n~ion titled Real Estats Brokef$ on ~ \I depOSltlla Wlltl Escrow l'4older a
by BroIc.r. Escrow Ho~r 511.11 -ecept SUCf\ a~nt(.) .nc1 pay Oul from Buy"" or Sellet'l MGa. or boCt'I. II .POI~. the
Srt\ka(! compe"lBtloo prlWlOed for In sUe"', agreemenc(I). TI\e terms and c:cno~lOn, of 1tlls Agreemem rlOl .... tarth In tne
~PeC'rl!"d paragr.pII, 1I~ aCdltlOnal matters lor the inlormatlOn of E$CI'OW l'iolder. bUI ab04.It wf1id1 E5UOW HoIoer neecl not be
concerne<J Buyer ~nd Seller will recetVe Escrow Holder', general ~rov1sionl dlf"lClty fn:lm Escrow Holder and W1lI .uc:uIiI IUdl
prov,slO!lf> L:pon Escrow Hold....' rlQUeIt To Ille IUlent t~ general prov.IOns I,. inconsislenl or c:cnllid witll lhl& ""'~
me ~erll ~OV'!lonr. win control 3$ 10 the dLl1ies and Cbl9Btions of EICtClW Holder only. B~yer lind Seller will execute lCld/tlonai
,n~\l'Uclions. documents and forms prOVlOad ~ E~ Ho.der 11"1• • ~ ~1I'Dl'\OIbly nec:eINlY 10 dose !h. e5Cf0W.
e. A Copy Jf Iflis Agreement shall De de.".re<:l tIO Escrow Molder W1ttWl 3 busrnea dByw ."., AcccplitnCl
ler C _ Buye1" and SeI.... autnortze E.saow).
HOlder 10 accepl lind rely on Cop_ .nd Slgn"turN as deflnecl ,n ltIil .llgre2rT'lent II~ origil\llil. to open escrow I'\d for otll«
D\JrpOM:lI of uerc..... "Tne "allchty 01 ttliI Agreement at I)~n Buyer and Sea« IS n01 i1fected b~ wtlatnet or w~ E.crcw
Holder s.gn5 It'll! AgreerTW",.
c. BrokRl"$ are I Plrty 10 ltIe "crow ~r trw 50le PUlpOu of eoll'lpenaatic", j)u,..~t 10 plrOl9"lDhs 29, 32A .nd ~arllgr8llt1 0 of the
sectIOn 1'11eIJ Rell E~llte Brc••", on FI9II 8, BLJYer i11'lC1 S....r irTevOC'lbly lI&Sign 1D Bracers compen5llbon ~ec1 in
p,arllgrel:lhs ~ and 32.:0., rnpe<:IN..... , and ,rrevooably tnstl\lCl ESCfOojIt Holder lD OrSburse Iflosl fundS 1D 6ItJk." It Cble Of
Esc:nlW or ~r.uam \0 any other mlAUaly e:lleone<l c:af1t:ella1JQn ~eemetlt. C~r.8tlQl'\ instl\lCtlal"l' ~ be . ~ or
re\lQll,ed omy WIlh ltIe "'In"," cons.nI of Brokers. E!CrOW HoIOIr sI'lail ,mmedialefy noli1'y B,okers: (I) tI Buv-rl ir.ltiaI or any
ltdditlonal depolll IS not made pyrsuenl to this /\greemenl. or is !lOt good at lime or "epOsn WIIh Eserow HouMr: or (Ill If Bu.,...
and Selle-' in,,:'\J~ e,erow
~ol6er10 cancel e~ow. .
D. ,. Copy of Iny am"namer"t Ifill INeal any J)8ragraPh of INa Ag~ent for wf'Iict\ Escrow ~OIcler II relpoftlllble shlW tie
di'lovere<l1O Escrow Hold.r Wit".., 2 bu$mes, days litter murua, Ille<:ut1OC"l 01 the amendment
29. BROKER COllllPf;NSATION FROM I!lUVEF:l: "a~at:He. uporl Closa Of E~ow. Buyer agrees to pay compenlllUDn to BroIler al
:;pecil".ed in a ~epera11 wnr.en agrHment between Buyer and Broker.
30. T!"MS A"D CONOmONS OF OFF~:
This ,s an offer 10 purcnase 1!'1e Propeny on Itle above l~m~ and c.:lnO'''Oll$, All paragFllr:;:hS with spaces far ,nllllltl by auy., If1d
Sellef are inc:orporileO In \t1IS Agree~ only II 1Itltlllecl by ill Olrties. rt
not al l:lilrtlU Initl.l•• tolllW oner is
It least on. but
~Cluireo u'lll ~reement " rcactlea. $eft... hal the rig'" to conllnue '0 on.r the Propeny for sail ano to accept .ny Ol~" afftH ,t liny
lime onor to nQl'~cahC/l'l of A~.nc:e. S~ hal r.,o Ina 8d(nowleOglS recalpt of I Cooy at lhe chr and agre. to N above
confirmatIOn 0' <lgency rellttonsnips. tf thIS o~er is ~pted .nd Buyer !u~equenlly deflluPl:!l, Buyer mil)' !Ie reapon~b" 101'
oayrnent 01 Bfoker$· =l'lPensallOn ThIS Agreemem and an.,. su~,\, a~um Of modiflcaton. IrcJudll'lg any C<Xl'1. may be
S,gn~o ," TWO or mora ;;O..,.,lar:><I"S aU of which 5naU constltUle one ana tne sam, writing.
520 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
....... '
lEl/22/2ee4 15' 42
Ill ...... I.UI'It:L.L. ~"'-CM;
e. _"l31
PAGE ;/15
11
i:ll"OI)enyAoe..S': J,20 ,- '.s" pc-v hre.c 1 y n ',1, CI. 90?1' ON ~e.r f Iqqc
31. I!XPlRAllOH 01 OFFE-.; 111. ooIIt, Ihal, De -..eo reVO+<eCl.nc1 ne ~~" a/\all tie rwlUmea ........ lhe cl'le,. Sogl'ed 111 a.r...a. Copy crt_
S'!1Md 011..... I:'e'sonally 'ece .... Cllll' 8u)4r, 0' ey • _"
llul""ra'd '0 ' ........ 0' o,r !OO PM on me ,n,~ Ylencla' " " .~ III. 0"" .. 1'0- lly Buo,oe1' (or. , ~. C til'
-z:;: -~ (datil. ~ GAM 0 f'tI)
~~l~E~-'f2f6Zil' s ~ ~E-R----------'
Q
Same'n
Ni'\r •~Imltl
(Prlnl --- --;;;;;:::;;0:;::=::-:---------------------
(F'," ......)
_.te
,Add~l
n, BAOI<IiR COM~ENSATlOl'l
C'ROM S£Ll9:
SEU.ER •. SEI.l.Efl. _
wQ".pb Z-':l1.1.'· _ . • _
(,"""'loCarnel (f'Tl'" ~
-IA-a(l-'.-..,l~-------
...
I CONFIRMATIOfo! OF "'CCE~TAflICE; A Copy of $IQned Aa:eoW"Cle ",al ~l\IIIy ~_1I'ed lly By,. ~ ~I .ulhoriz8cl
"(iii'ia~' ~l on (e'Ilt!) at _ AM PIlI. A blftGl"ll AVrwmet'll II c..-cl ~ C CI
I Co~ of SiVned Au.epQnce !II NI"SOfI"" reu~cl by 8..,.et' or Ik.y"" .uthorr.o 1911'1& wMtner ~ not COftIJn-.l1n
lhlS \loCUm....t. CompletIOn CIIUta. col'lflrmM.ion .. not
Irw.r>ClMlto eYld_ thI _ . 'hit Conftrmllticn (If AccellU~ hili OGC-.l
'.9IltJ
NClUir.o in ort»r to ~Ia • "'!ICl11'lO AQrW-m; ... 1*'1
' _ _ .' _ ) Rf.jECTION 01' OFFER; Nc c;ounlw' ~r II 1"1"9 ."adQ. ThIS efl8r _ ,_-.:1 and ,~ D)I se_ on
rS.II....' IMiltsl _ _ (0.11/
1""0 ~I'\RM ~ BI!E" ...ltPIlO'.I\:P By 'l'Ht; C"L",O~~ A-"'~OCIA-ION OF ~l TOllSI' Ie .. f( I NO ~'P'USliN1Ano'l 15 ~ A.! 'TO L&QAL V,t..LIOI1"I' 0flI
T><'
AOC;Cv.o.CY OF ANY ""C'J'V1S10f'I I" """~ sPI;CIFIC -AAN$A.CTION " 1'llV-l. IOSTATE BROIl!" IS TMI PFR&OH QUIol'~lro "'0 AOYlSl "" REAL mATt
'l'Q.JlNSAC'TlO~ IF YOU ", ~Jnc lf~l ell TA.>: AOVI~ CONSU~ T AN A"~"O."I"TE PROFESSIONAl.
(SlFf~ ~~~1:;'-:::'~~I.lJon
• ,, .lJf'Jlfl'T1 'l('f' ~.""A't'"
'~9:U0.7rx
521 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~~",
10/22/200'
0':
15"2
v~~~~L ~A~KkR;
411t"__ ~, ~'C
_A ,
27i 4&34; SEP·22·04 3:57PM;
p~ 12
PAGE 10'15
~~
C-'l/I'ORNT"
,,~,nC'i\T10N
BUYER'S INS~ECTION ADVISORY
Of R.I:A U 0 R.S· (C.AR , , _ ~ ~ '0102)
A. IMF'ORTANCE OF PROPERTY tHVESTIG,t. lION: The P"VSIC:*l COnditlOn of me Iarld lind JmOI'OvemeMS be"'g pun::tlll.e<l 1$ net
guara:1teed tly ertt'lo1r $ell. or ,;rokers. For tt1. re.a~n, YO<J .~Id condUct thorough inv.st~I,onl of the PT'ooertv peno".lty and ...,11
orof~s"onel!. """0 SMouid provide wntten r~1l0rts of Itl" Inves~tlonl, A general Pllys'QlI 6'SP~IO" typ.eaJl)' dees no/ ~r al upecn
:Jt the Pr~rty n:lr ItImlS 31te-ctlng lhQ ProPerty mit are not CMy5U.y Ioc:8UH:l on the Property If !he prct.S5lQnaIs ~mrnend furtt>er
lnveshgil~ons tncJudl"g a recommen<laron by • pest c;onIl'04 oPer.or to ''''''llect in.oceSsibl. area. of !he F'ropert)', yev ar-.ould oonta.et
QUilof,.c expell5 fO COnduCl sud\ adOtt,onai inY'e'Slo<)attO!"l$,
a. BUYER RIGHTS AIID DUTIeS: YOu haYQ an 3ff,~jy. duty Ie e,..rdM ~.$Onab/e ClI~ to Ofuled yourMlf. rlcl<ldrng diacxlvery 01
the I~I. prllC%Ic::J1 and te<:nO,c.l ImplicatIons or disclosed faaa. and ttle inVlI$tlO8lJDn lJM ".rrllcellcn atln~llOr1 end tBds ll'u1 yo~
you e••rou thls nghL ;Me you should. you must eio 10 In acc:crcume:e with the terma of tf'\M .eement.
te:now or mat are w/tJ'lin your dWgent attllt'ltlOn and OtlWlNatJon. Th' purcnaae 8gr..,nent 9'yes)'QU Ule nght to investigate ~ ProgeI\Y. "
This is lIIe be$t W8Y lot )'OIJ to
"rOllet ycur~r. It IS ext~y important tor you Ie read cUI _rirlen repot1S proviclld by proleUlonall .nd I.e dl5C1JU ~ rHurts at
Inf;peChons WItt'! the profes~1 wno conduaec the Incpealon. You nave Ito. rigI'It lC tequKt that SeIer make n!pall'5., COfr&CbOns Of
:8\(e otner ~r.tiOn cased ,lpOn ,tern, discovered on YQ.Jr in....sflgahons or dJtclosed oy seller. If sel~ is UMWlIIJtIg 01 unable 10 saWfy your
reOUesTS. or you do not w;ant to pun:ha~ tne PJ't)pet1y in ItS Gilsclosed lJncl diecoYereel conditIOn. you nave the "ghl to <4nc::&1 h
agreement rt you act Wllhln sPecrtic time penot21 ,t you 00 not cane" !tie agreement in I timely and proper menner, yt)u may lle in
tlreac.n of comrad
C SfL.L.E R R/G"ITS AND DUTIES: seller 15 !"8Quirecl to dJSdo'. to you mat.nal ~ets known tc nmtrler \NIl IIf1'ec:r tne v.,e or
~rabiht"/ of tile ProPerty. However, Seiler may nol be aware of some Property defeas or COnditiorll. s.II., Coel 1'1Qt have an oI:lllgallon
10 lrnr.peCl the Property (or your oerefll nor IS seller obllgal8d to r~", COI'l'ed Dr otherwise cure Itn~ defeCti that are disc:fOSed to you
O~ creVIOL$ty unknOW" deleos fNIt we di5a>vvnJd by you or your 1ItSpeClCl~S eunno NoCfOW. The purd'lase l~nI OOI:giltes Seller r.c
make the Pro~y ava,lllble te you tor i,.vesl,~iofll.
o BROKfR OBLIGATIONS; Brokers ClO not hav.. oxpertiH In a' arees Inc 1tl~. cannot adlltSe you on mIIny ilarrII. auctl II 10"
stability. ~.olOglc or "l'Nd"onmental condnions, hazardous or llegal oar:trol~ subs~noes. 5Cr\.Ic:tural conditions oIltll founa.uon Of 0It1...
,mprovemenls. or ttl, condit>C\" of t:t1t roo1. clllmlllng, heating, BY cendllicnl~ etec:trICal, -.c, 5e94ic. waste d~. Cll' otfI.r ~yslillm.
The only w.y to a-:Cur.tely (WIlrm",. !PIe condrtJon of the Proper1y ,. through an ~eCllon by an eppropnAlll ~n:rie~1 M6e<:l.cl by
you. If erOl<er gille' )IOu r~ferrall 10 llllen protesal 0 I\als. Srcller oou not lluarant" their f)Crfomlanoe. You may 1.1ed any protn,Iional
of your ct'loosrng In saleS inVOllling residential ewell'nga with no ~ tnan four uniU. Brokers have a ~ 10 m8k2 • diligent ~I
,nscec:t,on 0' the aceess'rM lI~as of the Pr~rty and to dllclose !tie retultS of \tIiIt nspeetlDn, Howc-.•1 some Prcpe!1y def.cts Of
~nljrtlOns may 'lot be dlsCOllerabl1 frum a II/Sua I inSPectIOn, it ... pouible Broken 1111 not aw.... of lhem, ~ you nave ent.-cd il'110 a
_men agreerrent WItt! II Ereller, tFle spKffic terml of !hit ~ n t will o.tR~ lne nstu~ WId £JIUH'll oIlI'IlIt Broke's duty 10 you.
you AR£ S~OMG~Y A.O\l\SED 10 IHVESTlGA~ THE COMDffiON AND SUI1ABlLIn' Of .a.u.
A5PE(:1'S OF THE PRO'ERTY.IF
YOU DO NOT 00 SO. YOU A.R! ACTING AGAINST nilE ADVICE OF QROK!RS.
E. YOU A"e ADVISED TO CONDUCT INVESTIGATIONS OF Tlii ENTIRE PROPERn', INCLUDING, BUT NOT UMITEO TO THE
FOL"LOWIH(J:
1. GENERAL. COIl/OlTION Of THE P~~TY, ITS SYST!MS AND COMPON!~S: FDunoabon. roof. ~umtling, n.tin;. • r
conditionll111, electncal, rn«t'1l1nn::al. MCUrtty. pooI~a. otner stl\JdUnll lind non-Slf\JClural sySlems aM components. fixtures,
tluill-rn 100.ancas. IIny pe~llal prooerty indudlll<lrn the ,",Ie. Ind ertergy l!'tl'Ieieney 01 the Property. (Structural engllleerl ill. beSt
suited to decllrmtne POsM/, design or COI1slfue1ion defects, .,,0 wt1etner Improlll!lTlents are stl\ldura~y sour-d.)
2. SQUAR! FOOTAGE, AGe. BOUHDARlI!S: Square1l:lota9", room dimenSions. lot Sll'. age of improvtments and bound.."es. Anv
n\lm~roCll\ SUlement, legarein; trllSe Ill"" are APPROXIMAnONS ONl"1 ano have not baer'l venfied by Sellei' and camet be
.... nlJed by BrOl<e.~ ~.ncea. hedges. WIlli•. r.taning walls ana atl\er Ilarural or conSll'UCletl ~rriefl or marllers do not nec-8uriJy
loer>tify trull Property bourdllr.... (Proot.UICnllla ~ as appreraera. i1rt:nllects. t.urveyors and eM enginee<a ilrt best lOlled to
de!ermlne SQU• • fOOl.age. d,m.""onl and bOundltries of .... Propeny.)
3. WOOD DE5T~OYING PESTS: Preunce of. or eonditlons lillely to Ilad to tM pres_ce 01 WCIOCI deS1roying puts and orgllnisrna
arlt:: O1ner ,nlestN>On or 'rtfection. InspeCllOn ~~ cnvenng Illese ,!ems eat\ be separated 1l'ltC two ,echona: Seelion , iaentil\es
ar~IlS wn.re InfesutlOfl or ,n1ec:,on II eov.oent Sec!Jor'I 2 'dentifles .,.s wt1ere there are conditions hK~ly to lead ta .m.stalion or
nleetlon A reW'stetlJO Slructural pest COnlral COFTIPany II lle$l Suited to per10rm t~l!Se ,nspet::tionl.
"Tne <:ellyr9hl I_S 01 tn, Url~ee ~~e (Tille " uS, Cock!) rorOOCl N
,,",vth<l<<4t!e "'l"'cx:...:t1O" 0' t~~ tc"" Of afly l)omQfI tnelec1. b'/l)nOlOaloy 8<Jywr. In~l8~
s.."',.. 'n~ .. ts (
\
$ )( )
(;)
-
-neerll,.,. 0' It..,.. om., "Wa"". '''<:1..0,''9 tac..·",~ Qr C(ltT'lIIutwn~ed 10""111. )( )
Copyng:'l! ~ '~'.2002 C"'L1~ORN'''' ASSOClATIO.... OIF I'l.ElIlTOA~.
'NC. AU R'QrtTS ReSERVE:>
!I ~hC"'" Ity 0 _
I
.',.~"
BIA. REYIS~D 10102 f!""GE 1 or: 2)
8UYER'S INSPECTIO"'l ADVISORY lelA PAGE 1 OF :z
""gem.: N,v'e S,",U" ~: Pl0,",'81835 ,rax; r)10) PrlperwlllllOQ ~Fo""5li> loft..,.
8fOk_ ell..... " & Grift,n "Nllo~ '33.3 Welt'<ooood 8Ivc. . LOll AltlIelee CA IOO:M
522 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
10/22/200'
_ .•• ""'-_."~'--
15:'2 4IIlc_"~
~!'I'\..l:r'lj
310 21'
MARA
.e~j
.. J
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PAGE ""5
13
i'rwe<ty """'es&. ~-Z.-.., 0.0-.... ~!IE.zy " ..,;;,[ CA .o.zu DetI: .i.E"" 200.
6. SOIL STABlU'T'Y: ExmencP. of fli Of comoacled SOi. ~11SI\IIt Qr IXltltT3Ctlng soil. ~tbiMy Ul ~~ •• ~ll CflIl"llM!tMflt.
an=' I/\t a~uacy Of d"8 rn8oe· (GcolfoCl'lnlC8l eng..... rs a~ best ~iled to ~rmJne sud'l ccr-otiQns[ cause. and ~madies.}
S[ ROO": Present COncl 1tJ()t': [ Ig'[ 'eallS[ ar.d remawtmg LIU'IuI fife. (Rooting con\J"acaors are tlest surted to OoIWrmI,.. 1"eM conailona )
5[ POOL,JSPA; Cr8CkS[ lwl'b or o~ ... tlonal PrtlCletTS (POOl convilC1Ot5 we beSt ltUIa-G to 0etem1n! these ccndJlio,.[)
7. WASTe DISPOSAL: TYl'e~•. aoeoLJaCy. ea';laOty antl condClon 01 sewer I!~ sepne sywems and ~ . connec.t,on to
~ ...,r[ and "ppllOab~ - .
8. WATER AND \jTIUTES; WElL SYS~rob ANO COMPONENTS: Water and UliIity ~iIllalir.1y. use reslr1CtiON a~ w.ter c:osa.
Quality[ ac~ullcY. oorldwlOI'1 ana oerfom-ance of well .~ms <mC CDmtlOne,.,..
9 ENVlRONMEI'CTAl HAZARDS: Po\enliat env"onmemall'lnerds. indudln;, bUt nal lmiWcj Ie. ubeltos. ~ad-ba5eCI paltt ar.d OU*
leaO eontammatlOr.[ radQn. ~ne. oth.r 'ijaMt.. tv.1 001 01 c:nem,c:Bt s~ tal\ks. OOC"tanlnat,CS SQiI or ~er, l\anfdou. wn1e[
wasta d:soosal snes. eledfO m e9T1-"c !'IetOi nUClelar sourc..[ end other su~nca. male"aJs. products. or CXlOcIicianI (r~~
mold (atr1Xlm.[ I(>)<oc or otrlerwrse). fungus Of lima.. COrTQlTljl\8rD). (For more rnlOrmatlOll on tr-. ~[ yoy may consUl en
~pp<opr"le proleurOr1ii11
or 'ead the boo~~ "EnVlr'Q<'lr'nerrtal Hazardl: A Guide fOf' I-iQrneownera. BlI)Iera, ~ndorUa ."d Tena,....:
''Prote<:! Your ~a""ry From Laad
In Your Morna" or boltl,)
, D. EART!'4QUAI<ES AND ~L.DODtNG: S.-oeptibility of !tie Property lC NITtlQUlkaiMisTT'ic: hazania and pro~ity of tI'le Propeny to
flood. (A c;..OIl.>gIST or Ge0leCl'1~1 Englnel!'f 15 best IUIted to prov,de Irtfonnatjon on tile- amditlons.)
11 [FIRE., HAZARD AND OTHER INSURANCE: Ttlel aVaiebility ana COIS of ".eesnry 01' Gesll'ld irllurance may vary. The loathon of
the Pr:lperty II'l , seISmIC flood or ~r8 r\aZard zone. and other CXlf"6tlOrtI. IUl:tl aa IN age at IN Property snG "". e/aIITIi rllstory 01
the Propetty Ifle BIJ)/el[ may a'fed \he aYllllabil~ ana nHd tor eenairl typel ci irIsuranc•. Buyer lhould ~ tnsuranc:a ~
~arl}' ~ tni, ,nformellOl1 mey affect other oeQSlON. inc:&lCling the remcv.' of loan and I1lIpedion CDrTli ngena..[ (An JnSlJI'lInoe eoet1l
is ~t lUlled to prootide InlormallOn en these condillOnS)
12. BUll-DING PERMITS, ZO~ING ANO GOVERNMEffTAL ~!QUIREMEHTS: Permitl. i""PC/c:tiOnl. CIlffleates. zoning, 01NJr
governmental IlmllatJOns. restnalOrl5[ and rt!:QUlramenll lI1t'ee:tong the CU'nlrn Of fuAJr. use cllt1e Prcoeny, iCS Cle'VelOQtneI'rt ~ tID.
(Sucn1n1ormatlOn is «VIIII.OIe hlm apprcpnate govenvnll1ta; agenc5S ana prMlt_ ",fom1IIl1on prtMClel'S. Sroltera are not qualified to
1J[ RENTAL PROPERTY RESTRICTIONS: Soma ClUes -el countiell i ~ reatJ'ic:tiOfli "'at limit lhe .mc:MJnt of rent It'I-' CWI be
cha'Qltd. t"e ma_rmum number of occupltnl$; ena tile 110"1 01 a L8rldlord to ..~ I ten I ncy, O.,ltdbOI or olher IOCU and .~rit't
,vetil"'" to" OOO~ ane WlnCOWS. ,"~dinll WlnclOW DaTa. Iho.&d tie ftarnlnecl to determine wtlelher Iney u~.fy legal reQUirements [
\Government agenCIes. can prCNlde ",formatTcn abour theM .....ncliOn& and otner requirenwntl.)
'4. SI!CURrTY AND SAFETY: StOlte and local L_ rowy requ".. tne flatallavon of bwriers. IIc.oe$1 aLanna, Hlf-8tc:t1lng mechIIn"""
el'lCllor ot"'" measures 10 Clecreau the nlk tD c:t1i1dren and otner perlC)ra 0# eltlsting swimmIng ~ools and hot tubs. \'.~ a. -" _
fire safety "ncl ot~ measures concerning oItlcJ' fe&.lres of the P~rty. Co""",i:lInee reQUIrementS oifter from City to cIly ancl c::ountY
to r:Ounty. Unll'lllS specifically loreed. the Property ma~ :lCl1 be 11 erJmph.nc:a with these reolJlr.mera fL.oc:aI gowrnmenl &genc:tel
can pr'O\'lde irlformaloon abOut It\e~. rettrietionl and other /'IClUlr;,mt"I.)
15. NEIGHBORHOOO, AftEA, SU;CMSION CONDmOHS: PERSONAL FACTORS: Ne!OhbcmoOd Of • •a condltionl. ircIudng
schoots. proximIty .,,0 ~cy of'" e ~ crwne aIIItJs:iC&, Ihe pr~ 0# rwglSteted felons or off.,ndllrs.flte prOWdiOll.
Olner gcw.mmenr seMCft. ,vallaDifity. aoeouacy and ca.I or ...y ~. W1re1e&l lmemet conneClO.... Of Clr*
t~.commlJl'loeetlOnl or orner lechnolOgy ServtCIH and lnJtallaCionl[ proximity to commu08l. indultNil or agriC:ul~. 8Cl1vft....
ellll5t,ng ltf'lCl propo~ transPQrtatton. conatnlCt,on and o-Ilclrclment that may 1It'htet no.N. view [ or trafl'le. 8lroon noiae[ nOlaC or ClClcr
from It"y sou roe [ wild <InC! domeltc .'llrT\llls. other r?IlSIInClIl. t.zanss. 01 ciroumstancea. pfOleC\ed .~. .[ _tJand propet1leS,
bolanosl c<seases. h~toriC or otner pemrnetltally Droteelltd IItft or IrnproYemerns[ oemmnes. f8cilrtJeS and condr~ of COmmon
.rellS of common Inl._51 lubo,vlIiona. ar1d ~ollljb" lack of ODr1'1Pliance witt! arry gO'llltnllng docurrwnta tl' MoITlllO~ AsIOCllltlOI1
reQuirrments, co"ditlons and in1ltJef1QJS of !lIgniflCMla! to certain c;unur.. anOJ~ religIOns. and pe~" needa, requreme"tI II'Id
preferences 01 BlJyer
Buyer .nd S.'''' ICiVlOW\e09' l"ll ~ "'-' 8'011'" III eo. not ~ whit oncz Buyer ,"oulll ~y or Seller _Ill s~ (II) Don IICl'I
guarantN ''''' cc:t1ditJon of t~1 "'roo.l1y; /til) Ooet not ;V....'"'" Inc W'!om-a.-. adea""cv or cor"1(lletenea oI,nsoec:liClnl[ ...... c..[ pnIl:IUCII or
"!(llq llrovooed 01 mlde llV Sell.r or otIleI'I: (i\/) Sl'tIU "DC be ,"po'" for' IlIeMIfyIIlq <ltf.eta :nat are nat iUlOWI' to ~ ~nt1 (a} .,. ncr lr.uaJI\I
u~rvlb'- on .. ~on'bly Olconu,1e 1 .. 81 ~ tile Pf~; (ll) _ " CX>mrTlOI! I~.: or (C:) 1/9 of! ,... ai. of 1M Prope~; (lr) $flaJ not De
ce&con"b~ le, ,nspect,"l:l pubhc ll'CiO.ca O' ~rmo conoet'"ing !f'e title or .... rtf P,gg~; lvi) 5~1' not t>e 1\ISQOIIS'tl6e lor IlIenutvmg .". IDC1l1On or
eou"llary linn 0< Drne, lie",. .~~ rftI4: (VIiI 511" 'lOt be resOOMibie tar ~""'1f1Q . 0 _ fllocage. reoruantltJor'e 01 olherw or Infa~
COIllalMCl ", InYelll;lbOn "IlGna. ~ LJ11Ing 5erva. -etvflllSemnls ~ 01' ot/ltr promollOl\31 maMri.I~ frill SI\alI not be rnrpor,alt-. for
"".r";
,nto by eu,...r 01' seier. anG (a) S~a nor I» _00".0. b' -id1n9
"rovlClr"~ Ill/II 0' \aIC ~ ~1"""9 Iny _ _a d I "nuClIOr'I
01"" aO",ce Of ,,,fOff'TlllllDn lMlt ex~ rr. knOW*'9I[ edUc:IIll;tl and ."llIf'II'lCli ~ui<wcllo ~ m ,.., . .
apr.. 'D ......
leg~;. t .... ,nsu.-nu tillI ."el Dth., oe."'1l
."'atlno!' from 1I~_ protwlUonatt
"I.
IlGeI'IlICd ~tty. BlIYIr."., $eMf
By SIgning belo.... liuyer and Sit/lor aaen ackn0wt.d9a mat they hne read. underal:lU1Cl, ac.c.eF'l and have rec:~~ a Copy of
~D~CUACY OF A."''' ~ovrstO" "ANY SPEOI"IC T~I6:ACTIOOl .. ilEAL E~... n; ~OI<'.R IS ~ Pi~ QY.'\oJrlCll TO J\DVl6E ON 1Il~ 1!$T.Tl:
·'V.N!>ACTIO..s I' rou C1!~IIlE "!G.L Olll TtVl AL:Ma; CO+ISULT "" .PPRO""'-ATC "1'l(lFESSI()H.<II.
~~ t .. ~ U~..t::'tT'!':·.
FUOI .. neobylllt
C.~I'f<>·~[1 AU<lC.-tlon of Re"tJ[TOR6C!: f_R'!y,_:>y
_
Ollll! i 1S.I
__
_ ......
523 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
10/22!2ee4 15: 42 .0")31 "" I \J C', 4a~j
~ a J SE~·22·04 3:~9Plllj
PAGE 14
PAGE 1211~
Ci\LIl"ORN/""
" S S n C 1 " T , (J /'oj
WOOD OESTROYING PeST INSPECTION AND
THE ~OLl.OWiNG SHALl. REPI ACE THE 'l1OOO DESTROYING PEST INSPECTION PARAGRAPH (4A In the CSlrtcm..
ResIdential Purchase Agr~ment (RPA-CA)) Ind sniH 5Upersea. any conflICting lltrms in a,-,y prtMoualy-generated
2lgreeme~1:
B. (Section 1):J 6uyer ~ seller shall pay for \llt)rk reoommended to c:olTed '~ion 1· conditions descnDed in the
RQpon and tne cost of,nspeetion, entry end Cloling of tnOH Inaccessible areas wtle,. ac:tNe m~iltiOn or ,"fediOtl
1$ dl!covered
(S.ction 2) 18 Buyer 0 Seller Iflall pay for work rlIGtlmmef1ded to COllect 'Sectlon 2' conditions I)eScribed In the
Report if r9Que$led tly &yer.
BV signing belOW, ttle unDeBigned acknowledg. that .ach has r•• d. underatilnd. and haa rwceived • copy of ttl..
Addendum,
,/ ?
Buyer ~wa ~
~~am.a!'l
Se~er
Jo.~ Z • .rni.Jc
Buyer _ _ Seller _
THIS 'OIilM -.AS e~EN II.......OVWO IY 'TH£ CAlI'~N'" ....s"OCIATION Of /l.£Al.TOR5e (e All.) NO R.PIIIE5I!,.".... T1OfoIIS lMD£ "S 'T"O notE LSaN. "",IDITY 0'1
ADEOU,4CY OF /I"'~ ""01115/\)01 IN "'Iv S~tClnc T"A~~T1CN " ~ ESTA'n lROI<ER IS n-E ~RSO" QUA,\,.IFIEO TO Itl\ll6l ON ".EA~ !!ST"Ti
1JVo,N£"C'l'IONS I~ ~OV ')e~I".F '.F.C"L 1)11 T.u .o.DV1CZ CONSULor " ... I>I>Re-lUA~PRO~SSIOHo4l.
T~", to"" '. '
~""'~ - - "" u
01' I:J. '.-. ey 711 _c ''''1 ••_
0-., ':\' ~,.-__
'...,.,..,.,. • ol "CI' .." • . - :0 I-'Y N _
CSlRE~ ~ G)
. .~:..:
O~ 1)
CAlif'll"", " .. acat'on of ~E"'L rOR~ ~-.::l'o 0..
..J
.........
....
WOOO DESTROYING PEST INSPECTION AND ALLOCATION OF COST ADDeNDUM (WPA PAGE 1 OF 11
.o,1't: Nnr.. SA .... .." Pno_, (31 014711 ..11 ~n, ("10) ~ ""'8 WI....onnlCl aem-
Brolcer: G,IIe",n & G,;Hio' RUllors 1133 _ .. r->oc:l aMf . Lee " "Cl41M CA t002.
524 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
SENT BY: CeU"ELL eA.. ) 31e 271 .834; • r ) J4 ':54'.; PAGE 1/3
~
/A!'?OLDWELL BANKfR PRf;VlEWS
~...::_--------~+£4..r-
A CONFIDEN11AL FAX
Michael J. Libow
,
MESSAGE:
Dc '=llCDQ- ~r.~1·
I
COLDWEll BANKER
EXH!2IT 2.
525 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
\.. 310 271 ~8~: ... .a S' \ 0. 3:S.PUi PAGE 2/3
1
--'!NTER OFFER No. ~ j~ CALIFORNIA
(For lIM by s.•• or Buyer. & ASSOCIATION
Mey be UMd tor MutUpIe Counter 01*.)
~ OF REALT()R.S~
RESIDENTIAL BROKERAGE
IC.A.."- Form ~", RewlMd W'I) ~.
p~ v,, MILlS
---
e.a-.
("OlI~.
O. The 'ollOwlng .t1Khed ~~~orporatecllntr\Ia COunI. 0fIIIr: ::J ConIrKl AdcMndum No. _
1loL~_ -~\lJtA._ 0 ~~------
2. RIc!HT TO ACCEPT OTHER OFFERS: Seller r_""'I' ml ngt'll 10 coot..... 10 oller !he Property tor . . . t'O( tat other t _ . and to _ p t
any other otter a' any lime poor to communteallOn 01 acx:.ptanol. as aescnbeClll'l paragrapn 3. a Seller ~'" Otte'. s.I.... accelllance "tnla • j
of another oll.r poo' to Buyer', Icc.p'ance .nd oornmunicallOO 01 accIIllBnCe (11m.. Coum.r shall revoke I1IiI Counter Ofter. 0tIe'.
3. EXPIRATION: UnleS! acceptance of lhill Counl.r Oft.r iI SIgned by m. Buyer or S.M.r to wflOm "'1 _to and communoClnon of accaplance J
rS m.dl by dellvl"ng • Slgnld Copy. which is personally
reclived. '0 Ihl pe'lon making mis COllnle, ONII 0' j
to_~ 'cM~ by 5:00 PM on rna Ihi~ ~ndIt Clay atl" Ihll Counl" Ofter •
wrl1ten (or. if Checlced:~ 0111'
• lima ~~IhiaCounler Ofter 'hall be aeemect
j
'evOkld and tnl OIPOSrt sha" be relurnltd 10 8 r. Th. Co un'" onlr may bI .. ICUled in counllrpart&. ~
•. II ~ Check.d:) MULTIPLE COUNTER OFfER: SlllIr II makIng I Coun"r Otter(.) 10 Inol..., prcapedrvl buyer(s) on ,...... rnat mayor
may nol bl Ihl .ame IS In Ihll Counter Oller. Acclplance of this Coun..r Oller by Buyer Ihail rtOt bI bInding unll. and until II is ~
I
subseQUenfly II-SIOned by sell" In paragraph 7 below and communlClltlon of Seller'. Iccaptlnl:e .. mlda by dehvenng a S",nad COpy. 4
,n perlOn. by mail or by fllcSlmlle. whlcn II perlolla"y ree.lVed. 10 Buyer 0' 10 ~'\)";E~ AAJol. . . Prior 10
the compl.lton ol .11 of ml.1 .vlnlS. Buy!r lind Seller shaM have no dulll' or obhga~onl for thl PIln:tlaM or 5111 ot trlII P,operty.
1
l
I
5. HIS COUNTER Of'''I!R ON THI! TEAMS ABOVE AND 't!1Nf~';.Df~S RECEIPT OF A CO,Y.
+-~:» _____
oal·~0
0111_ ,•
SUBJECT TO THE ATTACHE
l,
6. ACCEPTANC
,ecllpl 01 I Copy.
7. MUlTlPll! COUHTEIIl Of'R,A SIGNATURE LINE: By -'gnlnS! bllow. seller ICCIp1IIltIl. Muftlpte e-nler Offw.
,,
NOTE TO SEUER: Do NOT IIV" In thi. boa unlll Ifill' Buy. 'I9n. In parag.-ph 6.) (PI~ph 7 applea only " parag,., 4 III c:Nc.....)
Data _ Time _ _ AI!IIPM I
Data TlfM AIIIHI
e. (__ _1 1 (InrtlalS) ACkNOWLEDGMENT OF RECEIPT, The milker of the Counter Oller. or thlll person's lIurnonllCl agenl as spacihaCl In
pa'agraph 3. (or. rl 11"1' /I II MullJPle Coumer Offer. the Buyer or Buye, 5 IIUlhOnled llgent as SPICif\Id '" paragrapn 4) 8CIlnow\ldOlS rlOllP' 01 a 1
,
Signed Copy 01 tho. Counter One' on _ _ .... (elllte). al "WPM. •
) j .1 ",,:' ,J..", . . . '., ,,,,,,.~,~~.:.,,:.~~,,, ".! ....... :. :1. •" ' : . . . . ·1' :.';.';:::L. ''''I~, 'II, I: I ".'~i' .. l•. ·,~.,.·~':,-.:'::·L..t.~· .J' •. " ... ~"'·I •. Wl''''-·:
~~'~?'~o:'M~~~:~~~~J'.l+~~'t~~~~~~~~~~~W~~~E~~~~lg1'~t:~~S~~EW;nETL.ffi:'~l8c"sY
:ry~8i'5~
LEGAL OR TAX ADVICE CONSULT IV< APPROPRIATE PROFESSIONAL.
Ill """"....,
-
;;'~~~mo::v.~=:IS~::~T~~l~'1',,~~'R1~Eh;,;rs.;-:,:~",,;':'c-':"::W~ ReALT~
I
... - - CD"eCt ... _ _ ....
@
1
Pul>oahed
' , HE-olL - E Dos"""'*'
EST..l eUSINESSt>y SERVICES 1"lC Reviewed by
-
-.-.
526 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
SENT
..--
~Y~COL~~8. ) 310 271 "834; • Joe. 3:55~"j ~AGE 3/3
~
~
!ll:SU If..'\il~ 1It\.JUIU.r.£
I. roNE DISCLOSURES: ADDITIONAL DISClOSUIlf RI.POKTSII'ERMITS. I h. IOn. iliscluov,.. rrpo". \0 hr obr:lInnl '" ac:\:orcb",,-c w'lh dl.
rfO"lIion, "f Ih. ~r~m.nr will br obuon.c1 frnm rr"l'crry 1.0. USA. 11M U1KllUcloo..rc rcpe" W> be p ~ ande, Ih, Atnc..cnl ,ha1l_ ....
type' ef _ .. a ..... anu itlCllufi,d in &ftc Afrn-nl f.,
_Dido duc...... re is fttIllircd. Th. _ •• eli.d.uarc ~" ahaJl be coo.ickfttl • ·'U 1ll1ftf
di.aoNlft" fo, pvpo<a .f Setter'. and ,,",ken' dYcloaare of dl_ Ulon 0' _ _• bUI .uJ1 _ aINct diodoe..,. .Oli.ui.... ..;ca .....rd . .
.....nerL Aa pan of Bu"cr' 1• .,..n.iOD i._ a..,- _., order .rWiu..alwrin.. 'opons, ., Btoyv'. nf>OAK, ioel....... It•• "oc I"i....
'0 olb.. 'YJ'C" of.rru, 'AJ_.
riJJu, pe, rooal app,-.1L If ,h.... ICC U>V .rr..nuNI add",on, al Ih. l"n>f'C'IV fa.- whidl a perm.. on el'ftifuctt
of occul"'~ ..... nm ob'ained nr ",lll"h an: nol on compli<.nc. wllh .prliablc cod... ~nd ... her b ..., Buyn may hr 'rqUllrJ m i".:u, CllpeNei afL•• m.
rI.>lC of rlClo'" 10 brlO& .IM: I'ro~rry up '0 \:"Jln:n' cod.... nd other ap.,tiabk 1"'1 ur '0 drnlolish rho .ubier' addiuolU. fluvrr -bill ha~ rhr lI"""'r of
d~~s 'l>«ifirJ ill ,Il. "r;reemcnc 10 d;~"p ..",e In .. ririlll! an~' "'I'0n ",·h.eh ia ulI;Ket"!,ubl..' '0
BuY'" .ndlor rrm~ ,nc cun .. "~~ _-laird .. irl\ audI
d's:ll'pro...~l nghl h,- Ihe mcchud J'ruvidcU ill rhe .~mcal.
2. Ft:Rl'JACES. Thr potTlCS are ad\'i<al lh.r Lellian tllrnaces n'&nui;"'lul'e'Ll bv Con",UoJ.. coJ In,h"u'b, aud .. old un<kr '-aria", brand nafT\f1 in C~ilOrllia
br,..""n J 983 and I9'Ji.Iu..c Mn idcnliliC'd:so m~ ';'''OK <If tire. Brol.-.... =,ullmmd, rlu, ~".. fumlLe.r 'he P"'fX'n)' I... ,n'p"·rrd b~ a 'luo1li/icd protn
"<'lUI. fN ",,,re ,nfnrm.tit"" COIlian rbt C'IMwncr I'raclllCU S.fc~· C"mmisa,nll.
J. nNANO.'IIG. II d1al..td. B,,~'t" a~=, ",i,hi" lhn:c (:') Jay•• itrr olt.:~""r'Alh.'t' of m. oHt-,. tu 'PIN)' fur nn.nLing ,hno~ I CnkJ,.dl Salll.n aifili.lNd
lI\on~"f;e a""~"r In an""'a""., wi'h lhr pn,.,"'m. of rho ~rrnnrnl. Tn.. ~rl""',inn sh.1I t>r maJ. al "n coS! or obl,!-,,~uon to, rhr Bu~, wUc:ooIuntil Burer
.urhnrlle. I h.: G.ld_1I Ranu, ..tl'ih:arcd mor\jlafCe ,-omJ'Qo.y r" J'rocft'll with jPflCaiula.nd fin'>! 10.111 proc.ew",. Iha..... nlav .1....!,ply Enr lina",,~ .. iLh audl
orl,,. lc,,,hn~ ..... rer' .. BuYr" .... he>, .nd ll'tarna <he dlOia uf IcnolinS wurct .,..11"011 au!>,"'1 10 the Ilnlf perIOds .,Id orll.r pruvillOn. in mc Atlft_...l.
~ 8UYER'S SUBSEQUENT rUROiASE. In Ih. <,CIII ,hi, t"'nuni.." i, nil( eonduoC\i anci ",,,hin lWei,.. ( I~) mon,h, folkr-.·"•• ho. J~lC of ...i. offer 8uyft
nr am' re~t...1 1)('n<Il1, .oct'"~ ditr<:,ly ttl illdi~-u),. C'l«U1"" an '\In.~mnll I" __quI" Ih. ProperL)' ". an)" inlCf"r III the Pro;-nf)' hum c;.Ucr nr Sclkr,
'ULUoooon"n·,lIlc...., B"l""f Ivrei>~ ~Cftn to pa~ In Broker the Ct""mu..ian Iprcitialln chr ',\«rrctnC'nt. Fo. f'W'P"'" of rhis ,"Perm,.,,,, I ~j "rcl.trd .,.,...,
'n.lucia :m~' J'f~ ,.. Ialed !>y blnnJ, mafr\llC, or h... i"... rdation.,hip•• ,,J Any ,"nil,,' ,.-nld. <nnlro!. n, IS bllltlOlicoJ In' Rulon '" any ,dllC\l Pf'"oUIl,
CAcJUJIlIE: ~,,*cn h""'in. a"d (bl -'UCCOlOl'-in-illlt'Tnl" ind..da....irhoul limi'~lion. allY 1""0" or mri~ whie:h &Cll,utCJ ,he P'0l""rr tn.... SCUe", whel,,"
rhmug/l .."lunl.ry or ,""',)unr...,· rnrultr. IndudillJt fott'O:IQlun:. or by openlion of 101W.
BUYer a..di"r Seller. It" rc P rcKQ,n1. hy c.,IJwcll Ba..lrr, (~'1I). ill .dcrnio" of en', "..
il.. nL~ ;,,,h. Pl'Cfl4u"on~.,d h"ndl;,,~ oi ,he rt'qu,rcd n""p1ia,,,x
dOLun ..n" .g!<'C '0 ra)' en 'hn><&flh "",row ,I... '"m vi' _. I'I'rrneIlU"lt" doc"nI."nr ....n cnm.,luncr fe<:. ~id '"nlshall ~ ra,.~ '" C8 unly
upon rho d,,,,"~ or
.Ik: '/':In .... non IlOnrrlllpblN b)' rh~ Ill,," I. DUI...,. UJ<J1or ~1I"r aJICl oO<·ltn",,·I~. ,hal '" .d..,i.Hln h' the ~I>c ...... ,...., UIll'l1 loar."
,,,for""'l;on pr",·,urrs .n..l....r gUYrrtlmrrll .Ift'.ics lt1a~·lt"tlui....I....io""l f,-n .nd ,u...
(, CAUFORNIA FAIR PIAN. Bu)"f1' ".~re that ill.'Uranl'" (or COllain hill,i.!c, OCC<lIlI'ron, , .nd "rush "rnperlln m.)' Uc a":&ilablrlllll)' ;n.m Calilomia "..ir
rbn. Thi.s ""'r in.,....(' the' 'OS. 11£ illlu....nu Ii" .uch "ro~ru..•• nu .,,'·rr;t'~ "u~· hr l,mnrJ. Bm...r '.' .uv.i..-rl ru con,"lt wi,h lIS .....n ,"",une• •"u
t<p:arJiTlF .u....'.!'e "ntlcr the' (~ifom'a Fai, !'lan :end In :uluw approainurel>· tOll' 1'\) w.... l" to, rrnc:LHnF (If.lI "rrhL."""
R. ADDITIONAl. !!'I/VlRONMENTAl. HAZARDS. The' ('.nlCS ,..... • d,,,,·t/ rh.r rl,,, prcJC''';,' of 'fluin ~mdl ul mold>. fun!= ........, '" orhcr o,!"n"'111 n'ar
adv..,,,,j, .,It..., ,he properry ..".j ,he hralrh of SOTt\C uldiviJlIab. Brnk.et rC'CnmlT\<'I\JJ. If I...,,,,r h.., CO...... 'IU rq:archn!= ,hi...."". rhal buy.. conduct h."brr
11IJf""L' inn' hv a qu.lllieJ I'rofn"""a1 ..·,t1un .... 11m. pe,lOd .pccillc.J ,n tho ,,,,denri.1 purch...c ~T<:Cm",r (See allachrJ Mol..l l),.dOSllTC "s""",,,m,'
,) OTHER, _
---------------------------------_._--------
~CX1--- ~t
ACC'tpud ."d ~:
,.
.,,-------- ----_._-- I)",
@~
II"," :.J1o.-' l'
"'-'" o;FIfJ W OMIT - - - -
PtIlt : 01 1 119 r
I _.... r.~ ,. J
) , n l ' l ...........l ............ ~ . . ~.., ... _J'wn......... ~ CI·Fr·,. . . . ",
~'?'. It I _~ j " . . . . , _ . , . CiI
D •• I .... ,....·_~ .... I
527 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~J)an Griffin &'ou~any
Facsimile Transmittal
To: Michael Libow Fax: 310.278.4934
cc:
Notes:
Hello Michael. I'm leaving out of town for business this Thursday for a week and would like to
finalize things before J go. I'm liquidating stock for the down payment, but will not be back until
2~t.t
Thursday, September 'HI" to-make the deposit. My lender has my loan application, financials and is
ready to stan on my verbal. Please let me know as soon as you hear from your seller.
Thank you.
Nivie
Nivie Samaan
Office 310.849.3816
Fax 310.823.7218
E-mail: Nsamaanl@aol.com
528 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
(;}'"U, '--&.< ':!:'7 ~
D. The following atuch.cl supplements are incorporated in this Counter Offer: 0 Addendum No
o O---- ~ _
2. RIGHT TO ACCEPT OTHER OFFERS: Seller has the nghtto continue to offer the Property for sale 01' for other nnsadlOn. and to Iccept Iny other
offer at any time pnor 10 notrflcatlon of acceptance. n descnbed In paragraph 3. If thIS IS I seller Counter ~r. seller'l acceptance of another offer
pnor 10 Buyer'S acceplance and communication of notificatIOn of this Counter Oller, shaU revoke thIS Counter ~r.
3. EXPIRA TION: ThIS Counter O1'Ier shall be deemed ,evoked Ind the deposItS. if any. shill be returned unless this Counter Offer is Signed by the
Buyer or seller to whom rt IS sent iilnd a Copy of the Signed Counter Offer IS personally rece/\/ed by the person making thIS Counter Oller Of
whO IS authOrized 10 receive rt. by 500 PM on the third Day After thIS Counter Offer IS made or,
(if CheCked) by '0 _
(dale). at 0 AM [ ] PM ThIS Counter Ofler may be executed In counterplrts
4. 10 (If checked:) MULTIPLE COUNTER OFFER: Seller" makIng I Counter Offerjl) to another Prospedrve buyerjl) on termathlt may Of may
not be the same as In thIS Counter OfIttr. Acceptance of thIS Counter Oller by Buyer sllall not be bindIng unle.. and until it is lubHquently
re-Stgned by Seller In paragraph 7 below and a Copy of the Counter Offer Signed in paragraph 7 IS personally received by Buyer or by
___...,...._---:---:--:'..,.,.... =-__
...,....,~-....,....""'"'"---,.... .,....._.....,....,....--...,......,.,.--...,...._ '
who IS aulhonzec:l to receIVe it. Pnor to
the completion of all of Illese events. Buyer and seller shall have no dutles or obligatIOns lor the purelll.. or sale of the Property.
5. OFFER: Cil BUYER OR 0 SEllER MAKES THIS COUNTER OFFER ON THE TERMS ABOVE AND ACKNOWLEDGES RECEIPT OF A COPY.
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Date _
8. ( 1 ) (In ilia II) Corrfirmation of Acceptance: A Copy of sIllned Acceptance was personally rece/\/ed by the maker of the Coun....
Offer. or tllat person's authonz.cl agent as speclfied In paragraph 3 (or. if thiS is a Multiple Counter O1'Ie'Olhe Buyer or Buyerl IUthOnzed agent al
specified In paragrapll 4) on (date) . al AM 0
PM. A binding Agrwement Is c,...1ed
when a Copy of Signed Acceptance is personally raceived by the maker of the Counter Offer. or that person'l authoriDd agent (or. If this
il a Multiple Counter Offer. the Buyer or Buyer'1 authorized agent) whether or not confirmed In this document. Completion of this
confirmation il not legally requu'ed in order to create I binding Agreement; it is lolely intended to evidence the date that Conflrmltion of
Acceptance hal occurred.
Th,s form IS Ivl,l,tlle fo' use by me ~t,re 'eal estate lIlduslry II IS nol ,ntenCled to Identify tl'le uM' as , REALTORe REAL TORe IS a /WlllStereo colleCllYe membe'-"op m1111l
wM:" may be uHd only tly membef$ 01 tile NATIONAL ASSOCIATION OF REAL TORSCi who &ull$Cnbe to ,ts COde of E!ha
THIS FORM HAS BEEN APPROVED BY THE CALIFORNIA ASSOCIATION OF REAL TOR SCi (C A R) NO REPRESENTATION IS MADE AS TO THE LEGAL VALIDITY OR
ADEQUACY OF ANY PROVISION IN ANY SPECIFIC TRANSACTION A REAL ESTATE BROKER IS THE PERSON QUALIFIED TO ADVISE ON REAL ESTATE
TRANSACTIONS IF YOU DESIRE LEGAL OR TM ADVlCE CONSULT AN APPROPRIATE PROFESSIONAL
The copyngnt '-WlI 0' me United S~les (Trtle '7 US COlle) torotd tne unaumonzed rep'OdUCtlon 01 !hIS form. 0< any 1)0111011 tnerllO'. by photOCDtly maen,ne Ot any otner maanl.
,nduo,ng taCSlmlle or compulerlzed formalS Copynght C 1986·2002. CALIFORNIA ASSOCIATION OF REAl TOR SCi INC All RIGHTS RESERVED
t rY:~'''''''~~ ~
(C'"JUt;l:
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SySlIm lor S<.c:ns5 •
529 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
.... ~~/3~:2~..e..4",..clI:~~". ) 310 271 .e~ ~ J ~:~9P";
~~
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seNT BY: e:~ao'l£:. ~ SANo<.Cil: 3.C 2'71 .&:;4; SE~·'O.Oo' 3:~,",,; PAli/i 2/3
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530 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
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531 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court • •
.)
Memo
To: Michael Ubow
From: Nivle Samaan
CC:
Date: 9/1312004
Re: 320 S. Peck Dr. Counter Offer #2 Dated september 11, 2004
Please be advised regarding the above mentioned coonter-offer negotiation, I will be formally
withdrawlng my offer as of 12:00pm september 14,2004. I am leaving the country for the next week
and will find it Impractical to continue negotiations andJor meet the terms set-forth in the CAR.
Purchase Agreement dated september 4,2004, beyond this date
That being said, I truly do want the house and would love to make it a home for my family and me. But
should we come to an unsuccessful negotiation, I would like to thank you and your seller In advance to.
your time and efforts in trying to facilitate this purchase. I WISh you the best In your endeavors
Nivle Samaan
532 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
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533 / 745 (
cc:
Notes:
Hello Michael. Please have your Seller sign and date the attached addendum. Per our conversation
yesterday. the acceptance date must stan September 23 nl when I return. Otherwise. I will not be able
to meet the terms of Purchase Agreement. I f you have a more formal document. I'll be happy to sign
it. For Escrow Instructions. please have escrow send everything to my home address: 1227 'Iz S.
Thank you,
Nivie
Nivie Samaan
Office 310.849.3816
Fax 310.823.7218
E-mail: Nsarnaan1@aol.com
534 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
·\
September 16, 2004
• j
535 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
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Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
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Court File: "Volume IV Continued" nl" lilt III 11' , 111"1 II ," I" I !til • II. , "It
Samaan v Zernik (SC087400) Los Angeles Superior Court
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538 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
,,..,
'''~
1iQlnA.J
J'. _ - _: :_
" , ','I
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539 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
• )ran Griffin & • }y
Facsirnile Transmittal
To: Michael Libo.. Fu: ) IO.'~'.7142
---
From: Nivie Samaan DatI: Oct~4.2004
cc:
NotBs:
Nivie Samaan
Office 310.849.3816
Fax 310.823.7218
E-mail: Nsamaanl@aol.com
540 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
i~
In accordance
oas Other
~.c)
Wltl'I the
lerms and
CONTINGENCY RE.L '
condrbons
lC-AJl'-~
A. BUYER'S REMOVAL OF BUYER CONTINGENCIES: Buyer removes tnoM COiltl'V""lOeS soeoIie<l belOw Wll'I rnped 10 It1Y
contingency Ind canalallOn nght mIt Buyer ,..moves. unless olherwlse speafled 1'1 I separ", wntten I9'MlTlef'II between Buyer
Ind Seller (SUCh IS C ... R Forn", RRj " iPpbcabie. Buy,r shl~ conctuslYely be ~ to "-"e Ul ~e<l ell Buyer
Inveshgahon$ ."" 'evleW of reoons and othe' .pplocable IntormallOn and dISClOsureS: Iii) ~eod to proc:ee(l WIll'l l!'le tranMCllCln.
and (iii/ISSUmed. 1I kablilty, resoonslblilty and. ~ Iny, expense lot R,PIttS. c:on"eCtJOIlS. or lot l!'le .... ~ to 0ClW0n flnanong
NOTE, Preo-pnnled paragraph numbers are for reference only a"" refer to !he speafled p.lf1IlI"ph 1'1 !he Cah1omoa Rft/dermal Purchase
Ag,eemenl (CAR Form RPA·CA)
1. ONLY the follOWIng individu.lly checked Buyer contingencies are removed:
A 0LOIn (Paragf1lph 21)
8 0"Dpnllsal (Plragraph 2J)
C 0Tenant.Qc:cupted Property (P.ragnph 3CClii»
o (Zl ReportsiOtsdosures (P.ragraphs 4 .nd 5)
I 0 _
J 0 _
K 0 _
OR 2. 0 ALL Buy.r conting.nclI' .re removed. EXCEPT: 0
Loan ConIngency (P.ragraph 21): Aw'a_1 Conbn9I"CY 0
0 0
o Other
(Plr.graph 2J): Conhngency for the Sale of Buyer's Property (CAR Form COP). Common Int_t (HOA) Dtsc:IoMIrn:
_
OR 3. 0 BUYER HEREBY REMOVES ANY AND ALL BUYER CONTINGENCIES. (Once .11 contingencies ans removed. wNther
0' not Buyer hal I.h,fo.d himlherwelf regardinv III contrnv-nc... 0' rec..."ed .ny ,nformation nsllbng to
U
contJn!l.~. Buy,~.poalt m.y nol be nsturned If Buyer dOH not cloae ..crow. Thia could ha~n • ....,
If. for
examp',.:'"Aluyer dol-/ not .pprove 01 .ome llpeel or
the Property Of lende, don not Ipproye Buyer'. 1oIn.1
October 4. 2004
Buyer Hi D.te
_er ~te
B. SELLER REMOVAL OF SELLER CONTINGENCIES: Seller hereby removes the following Selle' contJngenaes;O ContJngenCy lor
Sellers purctlaM of replllcemenl property (CAR. Form COP); Ottwr 0 _
S.IIe, D.te
(__I __ ) (In/hals) CONFIRMATION OF RECEIPT: A copy of ttllS Signed Conhngency Remova' WIll pel'$OMlty
received by 0 Buyer 0 Seller or i1uttlonzed agent on 0 AMI 0 PM.
Tho _ n ; l t l - 011 ...
~ 100"-"''''''-'''' _a
ur- SII_ fT... '1 us e-,_ ..
_ (date). al
una"""",,,,'~oil _ "'"" "' .... 110'1_ -
CCJPrnll'llCl200'·2003 CALIFORNIA ASSOClAT1OH~ REAlT()IIIM INC AlL RIG>lTS RESERVUl
l>y....-...., . . . . . . "' .... _
1H1S F()RJoI HAS 'EEN "-OVEC 'Y THE CAlif 011_ ASSOCIATION ~ REAl TOIIM Ie A R) NO RE~(sENT"T1ON IS IoIAOI AS TO 'niE LEGAl. VAlIDITY OIl
..OfOllACY Of ..NY ~0\IISl0N toO .. orr SPECIFIC mANSACTION A REAl (STATE BROIlER IS THE PERSON OUALlFI£O TO ADVISE 01'1 "£AI. (STATE
........
TRANSACTIONS IF you Of$lRE LEGAl ()III T.... AOVICf:. CONSUL T "'N A_O~UIoTt ~~(sSIOHAL
u_....., ...
....... ,.,..,. DO
In""'" .,.,..,.,.. _
Thcs torm " . . . . . tror uN ....... . " . . rul ..a'A. ~ tt rI ,.,.. ~ II' "EAlTo-. IItEAl TO"e •• ~ ~........,..,..,.
011 .... .... nO>olA.\. ASSOCUloTKlN Of REAl TORM _ . ~ 10'" C<>oo 01 E""<a
(~~I:l"lJ
,.. • ,,--l>yfle
e-A.-oIREAlTOflM [11_", r-. tEl
.-
_..-n
CR 10103 (PAGE 1 OF 1) CONTINGENCY REMOVAL ICR PAGE 1 OF 1
Avanl: Nrvoa Slmaan Phone: (310)0171")1 Fa: 1310) ,.,.~ . ."" WlNF ....... ~
Broiler Gllle",n & Grimn ""'"0"' 1333 INnlWOOCl Blvd. La. AnoeleS CA t002.
541 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
en
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ESCAOWNO.1-34500-GH
loll Received
,
~
From
I Cun (
Nlvie SIImaan
I Sillier
•
..
.
..
<:
l.1I
,
"0
PropertY Addml: I:::
,t,BAl'CKI 16·3717 120 S. Ped: Drive
~ • I DS Beverly Hilll. CA 90212
1
II
Received bY
"0
117
'
to
J~lijf'
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-
--'.!il)~~C:·'
C/)
'. ( J)
: ~.:.
542 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
SENT BY: COllMEll BA.,
Oe~ 20 04 10:24.
)
S~pllbound
3'0 27' '.34; •
~~
C A I. , /·0 " ,., I A
A o.a
Loon (Pat il!Jl'a(II1 21)
8. 0 App,..sal,Par39~ 2J)
C. 0
Ten"".~ P~"y (P:X-3qr,1Ph 3C(,iI)
D. 0
Re~~ (PeragIlIP'" .. and :i)
E. Cl Common Interest (WOA) DradOMires (Pa~ph 68)
F 0
8uyen\ InvestigatIOn. II'Idud,ng lfIl\U'l'ltl.llty (P3~9"o.IptI 9)
J. 0 _
K. 0 _
OR 2. 0 AU Swyer eonb"90~ _ ..",ewed. EXC!PT: 0 loon COf''''nvr.ncv (P:tt:'lgt:lCltl 21): [j AllII"~'" Co~nguncy
(Paragraph 2J);
001"., 0 Cortt,ngcftCy for lhe Sale 04 Buyer'S Ptopet1y 'CAR. Form COP): C Common
_ ~ (~ ~;
OR 3. Cl BUYER HERElY REMOVES ANY AND AU. BUYER CONnNGENctES. IOnca all c~OtK.i" .... _ _ oct, ~
or not BuyOl' Ilol1 utilf..ct ",""'-'M"
regardin, all conan."".. Of' rec:etvocl any l",ormaClOfl rw6a"nv to ~
eOf'ting<!n~. 8u::ft ~ rrtaY not ~ ...-.mea tf BUW'I'f' does not tloM nlcrow. ThIti c~ N1ppo" _ ". for
OlUll'ftD'et"¥uyOf "0« i1PP'OVO CIt somo espoct of tho PP'OP«tY Of' Io~ ~ not ap~ _""era loW\. ,
~~~~ 19, 2904
Date
iI"yot .oat.
B. SELLER REMOVAL 0' SfLLf~ CONTINGENCIES: Sellt'l' hereO'; ,~r. Ihr. to4lQWlng Sellet' CCnt!ngCflClQ$::J Co~ tor
Sr.'IIC"~ PlJf(1l~1C of rcp4.,~mr.n, p'o(JCffy IC A.R ~onn COP); ~ 0 ---
~Ier Dan
~ ) (IM~ls) CONFIRMATION OF RECEIPT: A copy/. of ned Contrngency ~cmoval was pet"5()nahy
/r d by 0 fluyer ~Iler or aumonzed agent on ((. (aate). at ~ _ _ ~MI PM. 0
T"" ~, _ .." _ v - g,.,. I'''' "u:; C_, """'" "'" ,,,,,., ."
U,,"_ _ .o..,ftG
•."".. /II ••"" .......... _ .. _ - _ or ..... -~-.
,",,_... r:>co-..... /II~... 10<_ ~'""200"~' CAu'0I4N"'~lAT10'"M AFAlTOI(:;II ''''C. "&.L IltGOtTS IlIrE~tlNl 0
'''15 FO"". ""':i ocr'" A~IIlOVfD IT r"f CAL" 01"_ .-sSOClo'rQf ry. JIIt.AL TOIIlS- leA 1'1) MO IUPtt, Sl.;.'ATlOI'II 'S Wo\DE AS TO ' ..... ((GAl. VAlIDITY C»
...:.. OUo'C'I' OF flXY PIlIOVlSlOOf .... ANT 'PfeiFle nu... MCTlOlo A IIUL EST...TE 8"00C'A 's
'TWIE ~£RSON OUALlflfC TO AOVI$l ON ~ r.STl\~
''''''''':;.ACTIONS IF YOU Dl ~JI'lC llE~ 0lIl T.... AOVICI eOO&:illlT .... "'''~O,,"... Tt ,""on ~ ~
. . . . . _,. v_ .-It'"
,.,............ r.~ ~.....,..,.,..,
0f'I\' 0. _ _ 01 "'" .... TIOooAl. A..;$OC; .... TlON 0' ....... LTOI'lSlo _
._'lX:...
tpw. ,-...v "0." .-....,. ~ "..., ~ ~ 10 ClUnatly mft ",.,..,. __ .lln 1\L TOIIttI 1lU..A.l To..- P. " 'fIIIQ'M".ttt ~
C_ ." f:""C'l ~
1M"" .... """'"
~~
~ ~.~~~~
II'I~"I\ .,~.
C.iI..,....IA"'\."'CX.;..... ot •• IJ'iLTO'.~.1t I M"" .............. rr, 0.. ., _ I EJ
.... - - .
..........,
543 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Oct 20 04 10:2411 )'"OOUoo
• '.43 9378 II, 1
Notes:
Hello M ich:lcl. Plc:l'OC I"C<Id If'll' cnc losed lenet' dolled Octo"':r 20, :WC)4.
Nivie Samaan
Onitlo: :; I O.IWU)( 1(,
F3X 323.843,9378
F-m:til: N.-':'lm;l:m 1r('·;I\,l.cum
544 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Oc~ 20 04 10:25~
·J
Sp~llbound
• )
Mi~had J. I.ir.ow
Ik~r Mich;I~J.
ThIS kuC'r is in T'Cspunsc to thc N"licc In Buy~r h' Pl:rlimn Y"\l ras\'u til inC' nn Muntl:,)'.
OCLOOt:r I!S. 2004 and the subscQuent voiccmaillimc:-~,;t.amJ":d Tuesday, October 19.2004
at 4:55 p.m.
I wanL Lo apofogac li,r Lhe delay in responding to your notice:. f 'YC been consulting wiLh
my ~,!.,m,:y regarding my options to your unrC:lson:>hlc dcm:mds.
Let me first start by saying. rye enclosed the removal of the T.oan Continj!erlcy and Title
('ontill~cnc:y. nut
will nol rcmuvc the :tppraisal c:ontjn~I.:IlC:Y until I have 1'\."I,;I:ivcLllhl:
Icnd~n; nolilk~tion tlutlht: v~lUl: of the home is jU~1iticd. IrLhc: homc wa.s pricl:d
correctly. you shouldn't have any ccmcems.
On thrcc separate: occasions 9124. 9129 and 10/6. I c3Jlcd Gail Hershowitz of Marol
Fscrow for my copies of the F.~row Instnlclionl' and Preliminary Title Re~'rt ami W:IS
told tll:J1 l'nC W:lS ......ailing 10 hL'".!T from you bcJ<)t'C' she could prl:pat'C' it. Due 10 Ihe non
pcrltlrmancc by you and your cscrow company. your seller is now lhreatening
c:Jnc.;c11:11icm or cscrnw.
,\1)' IcndL'T' informed yuu nn October Slh that he had Iril.:d sever;!1 limes 10 ~L" these ilL"mS
anu nCl.:dl.:u your help. My lcnLlcr also in/ormcJ m~'. Ihal hc diLl nut r\·c.;l.:ivc.; thc nCl:I.:.o;s;.II)'
l::~TOw In~"trUctions and Preliminary Title until the ~vening of Octohcr 7th. twenty-one
dnys :lIh:r my CO"nIL"T'-uIT,:r aCCC'f'lancc. nuc to the !"Colling wL'Ckcnd &. hnlid:ry. tllc NlIlk
did nul rl:l.:civl,," my loan unlil 10/12. My loan was :JpprO\lL'd un Monday. OClulx-r n~lh" a
r~a.son3bJe tim~fr.lmc: for loan approval. :"Jow Ihe hank must n:view the value before they
C;IO lin:d i:f.L" 11'11.: I,':m.
Frt)m Ihe I'>cginnin~" J haw followed IhTClu~h on cvery :J.o;/X"Ct of my I.:nLl of the contr:ICl.
You on Ih..., olher·hamJ h:JV\." nol bL'l.:n:l man or your wonJ. On I)f 16. whl.:n I a4.:c.;cpl\·d Ihl.:
counl~r-(lffer while on my 1I0neymoon in Ilawaii. I in(imned you thaI I wouldn't be
rc.;tllrnjn~ to "os :\n~d:~ until C)/:!~, YIl\1 \lcrh:llly assured mL' lhal Ihere W;IS nu nL'L"d hI
c.:untr.1e.;lU:JlIy cXII.:nJ Ihc wmingc.:neies or dosing date.;. tx;c:Ju."C if I nceded mon.: lirn~ to
meet the contingencies. .oj, would be arl'3ngcd."
545 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~'ll.CUnd
•
Oc< 20 O' 10'2i1t ) •• 3 .37. ,..3
You have: been unrca.-;unablc Through JlmoST cveT)' ~"tep of thi~ lr.m~etion. su you leave
nh.' no or
Olhl.:f allL'muti VI.: hUI 10 so....... j.; lhl; t:"id;ln~~ my allurnL'y,
Plca.~ inform your ~Ikr that if hI: cnooscl' to caner:! lhi~ ~crnw hero!"'..: the ~hcduh:d
dusin~ ,btL: ul'l\.ovL·mn.:r I. 2004. I will hOIVI..' no olhl:r ~ltL:rllOllivc hut 10 sed. h:g.al
remedies,
Rt:~PCC~
/ (4/'-.< et::a;;;~)
NiviL' Sa~1:1n
Buy~ril{l:allor /\.ssoci:1tc.:
_'J_s~_,"_,;,!,,!n,I@(l~I~) I:.:.;,(::.:·(.;.:lm.:.:
:;:Z:U'WJ,()~7K F;1csimilc
546 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
OC~ 20 O' IO'2S.4Il ~ •• U". .; )3 937" !D."
i~
CALI"OIlNIA
AS~OCII\TIO"'" CONTINGENCY REMOVAL No, .~:.-_ _
O~ Il.. f.A I.TO IlS"" (C.A.~. ~orm CR, 1010)
~
In accord3nee with the terms and conditions of the: [~Califomia Resldenl'el' Purchase Agreement or
o Otl'1er ("Agreement"), aaote<l OC't:o~.r; 19 200f on property known
as 3?.D s. P~ck DJ::,i .... { ~?orly H:ill:l, CA 90?12 . _ '"Property').
I:'>Ctween H,i~L,,-~~'.~n rBuyeq
and ,Josoph Z.rn.i.k ("Seller").
~. BUYER'S REMOVAL OF BUYER CONTINGENCIES: Buyer removes tho...~ COnhr'lgenoes 5OeC1('ed below 'M1h reseed 10 Any
conllnQ('ncy :md ~ncell:lhOf'l 'ogMl tl'l;rt Buyer rr. rnoVC$ , unleu otl'lcrw,SC specrf~ ,n :l soP'M"oJ!C wnnc", <l9ft.'I.-menl ~1WCCtl aU)'ef
nnd Seller (!!>uc:n ",$ CAR Form RR). as 3ppllQb!C. Buyer !>h6l11 COflCluSlV~ be <,cemed to rnwc. (i) completed all Buyer'
Irwestigat,On5 and rev.ew of reports lind other 61pP/ie,aC e ,nform"tion and d,sdosurell; (ii) electecl to Proceed WItI'I the tra"'sactlon:
'
::Ind (iii) assulTl<~ ::III Ililbility. rc:;ponll;lbilrty and. If ;lny. eXPense lot Rep.,,,.,.. CO"CC1JC)nt.. or for It'lc itIoItltIrty 10 otn."" lin;lnang
NOTE; Pro-prtnled D.')r;lgrClph numbers ;lre for reference only and refer to the sPeCifMld p:lIClgrapn in II'le C:slitQm,a RewenlJ;l1 PurcNtlOe
Agreement (CAR. Form RPA-CA).
1. ONLY tho follo-"9 ind lv idU3Uy ehccked Buyer c;ontingencica ar'l: rcmovc<l;
B. 0
Appraisal (Paragraph 2J)
C C
TcnDnl-OCCUDICd Property (P;lr:l9r:1Ph 3C(iii)
D. :.J
RcponstOilOC!Ol'oUrCs (Paragrapnl'o" and 5)
E. 0
Common Interost (HO~) O,sdQr;ures (Paragroptl (8)
F C
aUYI~'r. InvestigatIOn. IfICluchng Insur:lbihty (Pnmgrapll 9)
OR 3. [J BUYER HEREBY ReMOVES ANY ~ND AU. BUYER CONTINGENCIES. IOnce all eontlngencies a~ I1!'fTIOVOd. whothot'
or not Buyer has uti.freCl him'heraelf regarding all contingencies or reeeivod any InfornllltJon relating to th~
< O ~Buy,,· ••
cxamp uyor
mo,
not approye of some
_ pos"
• "uy" dM' .at <1_ CK_. COuld " ' _ ' ~ d....
peg of tho Property 0' IondOr docS not approvo Buyer'. loan.)
"';0
• . Ocot:obcr 19, 200 ..
Buyor Date
8. seLLER REMOVAL. OF SELLER CONTINGeNCIES: Seller hf!rcby removes the fOllOWing S~lIf!r CQtlll"!)erlCleli: U Conttngency lor
SCller'!; ourchn!\C Of rCQL;lcr.mr.nt proPerty (CA.R. Form COP): 0 Oll'lcr • . _
G:r
Tr.,"\ ronf\~.• tv ">", fot vyt Dr,' fftr """,.,,- ,.",.1 0:.&..110 tna..,v"Y II '"' ~ ... ~ to ... ",,~ t'\u "'~ ooIA.) 1<11 I\lTORte REAL TO ....... I 'UQI~vua ~ I'n(.""'~ ""'III
""""'" .....""llol :.'..<1 grill' Dy ~r~ at "'" NATIO.....L I\:,,:;OClATlOft Of' R~Al TO~se wrlC 'UOOU·1le to"" Co<M or EIr\oCI
cm1"~
SLI<E~.... ~ • ••
.... "•. ~...
PLalh..""O OY "'l'
",-.oc...llo(HI Of 'II ill TOH:iOD
C•• ,r",,,,,, j Rn_"" 0._.. J-
~r.n
547 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
, ,
,
AOL.COM i Mess.
I WILL MAKE EVERY AITEMPT TO CALM MR. ZERNIK AND HOPEFULL Y WILL BE ABLE
TO TELL HIM TOMORROW THAT YOU ARE READY TO RELEASE ALL CONTINGENCIES.. .I
DO NOT KNOW IF THIS WILL BE EFFECTIVE...BUT ITS THE BEST THAT I CAN DO..
.SHOULD HE ELECT NOT TO CANCEL THE CONTRACT. I BELIEVE THAT HE WlLL NEED
ADDITIONAL TIME IN THE PROPERTY.. .INCLUSIVE OF THE NEED FOR FUMIGATION...
MICHAEL LlBOW
COLDWELL BANKER
50084
http://webmaiJ.aol.comlfmsgview.adp?folder=SU5CTlg=&uid=9456734 J 0/2212004
548 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~
Notes:
Hello Michael. Per our conversation this afternoon, here is the final contingency removal. _
Nivie Samaan
Office 310.849.3816
Fax 323.843.9378
E-mail: Nsamaanl@aol.com
50102
549 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
, •~Thr~~_
i~
CALIFORNI.
ASSOCIATION CONTINGENCY REMIL No. ..
01' REALTORS~ (C.A.R. Form CR, 1C1f03)
In accordance with the terms conditions of the: Ijj California Residential Purchase Agreement or
and
o Other (·Agreement·). dated OCtober 25 (2004 on property known
as 320 S. Peck Drive, Beverly Hill~, CA 90212 ("Property·).
between Hi vie S&.IILA.Il.C ('Buyer")
and .Josepb ZerniJc ("Seiler").
A. BUYER'S;REMOVAL OF BUYER CONTINGENCIES: Buyer removes those contingencies specified below. 'M1t1 respect to any
conlingen¢y and cancellation right that Buyer removes. unless otherwise specified In a separate wrrtten agreement between Buyer
and seller (such as CAR Form RR). as applicable, Buyer shall conclUsively be deemed 10 have: (I) completed all Buyer
Invesllganans and revIeW of reports and other applicable information and disclosures; (ii) elected to proceed wrth the lranHdlon;
and (iii) assumed all liability. responsibility and. If any. expense for Repairs, corrections. or for the Inab~ity 10 obtain financing.
NOTE: Pre-pnnled paragraph numbers are for reference only and refer 10 lhe specified paragraph in the Califomlll Resldenllal Purchase
Agreement (CAR Form RPA-CA).
1. ONLY !the following individually checked Buyer contingenci. . are removed:
A. 0
i Loan (Paragraph 21)
B. 0
iAppraisal (Paragraph 2J)
C. 0 Tenanl-Occupied Property (Paragraph 3C(iii)
E 0
Common Inlerest (HOA) Disclosures (Paragraph 6B)
K 0; _
OR 3. 0 BUYER HEREBY REMOVES ANY AND All BUYER CONTINGENCIES. (Once all contlngenci. . are ramoved, whether
or not Buyer has sati.fied himlherself regarding all contingencies or received any infonnatlon relating to those
contin~cies, Buyer'. depoe It may not be returned If Buyer don not close eacrow. Thia could happen even If. for
exaroC(e,. Buyer&ea not approve of aome aspect of the Property or lender dOtta not approve Buyer's loan.)
October 25, 2004
Buyer H Oat.
Buyer Oat.
B. SEUER REMOVAL OF SELLER CONTINGENCIES: Seller hereby removes ttle followmg Seller contingen~: 0 Contingency for
Seller's p~rchase of replacemenl property (CAR. Form COP); Other 0 _
Seller Oat.
<_ _/ _ _) Onltlals) CONFIRMATION OF RECEIPT: A copy of thiS Signed Contingency Removal was personally
received by 0 Buyer 0 Seller or authonzed agent on (date), at 0 AMI 0 PM.
The coPY"9nl laws pi me UMeo Sl<ll~ IT'lIe 17 U S Cooe) Iorbld the unavthonzeo reproouetlon ollhll Iotm 01 arry POI1I011 tnereol. by pllOlOCOPY mKhlne or Irry otl'oer mean•.
,nCluOlng facslmlle.r computenzeo formalS COP1ngrll Cl2oo1·2oo3. CAUFOANIII .... SSOCIIITION OF REAL TORSCl INC AlL RIGHTS RESERVED
THIS FORM ""'S BEEN ....PPROVED BY THE ClllIFORNIII ....SSOCIIITION OF REAL TORSCl'C .... R) NO REPRESENT....TION IS MADE AS TO THE LEGAL VALlDfT'( OR
ADEQU....CY OF ANY PROVISION IN ....NY SPECIFIC TRANSIICTlON A REAL ESTATE BROKER IS THE PERSON QUALIFIED TO ....OV1SE ON REAl EST....TE
TRANSACTIONS IF YOU DESIRE LEGAL OR TAX ADVICE. CONSUL T AN APPROPRIATE PROFESSIONAL
Th'1 lonn IS .. a~lble fat use by [lie enn,. real esta.. ,ndullIy II '. rool onle<1oed to tOenDty ltle u_ a. a REAl TO~ REAL TORe II a regll~ COlleCllvt memller,'"p rna".
._
",n,Cll may ~ useelon"" t7y memlle~ or tne NATlONAlASSOCIIITION OF REAL TORse wIIO sull$C1l1le to.1S Cooe 01 Elhoc:I
(SlRE~I~7"'eJ
Tho SySlIm !of Slla:....
PullllSMdbyrtle
Calilorn,. AssOCllnon 01 REAL TORse
I Rev_ by alte
~
.,...f_',
CR 10/03 (PAGE 1 OF 1) CONTINGENCY REMOVAL (eR PAGE 1 OF 1
.... gent: Nivie Samaan Phone: (310)47811135 FIJI: (310) Pre~M using WlNFonn~ software
Broker. Gilleran & Griffin Realto~ 1333 Westwood Blvd. . Los .... ng.l.s CA 90024
80103
550 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
bp officejet d 135 •
printer/fax/scanner/copier
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}-ax-History Rcpon for
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Last 30 Transactions
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Oct 2S 12:43pm Fax Sent 18183411897 1: 10 2 OK
Oct 25 4:19pm Fax Sent 14152590855 4:39 15 OK
Oct 2S 4:56pm Fax Sent 14152590866 0:37 0 Error 386
Oct 25 4:59pm Fax Sent 14152590866 0:56 1 Error 441
Oct 25 5:02pm rax"Sem "8131~8 ~ t5 OK
Oct 25 5:t22pr& fM-Setlf. 27&4034 ~ Go fancet
Oct 25 5:24pm Fax Sent 2784934 1:05 2 OK
Oct 25 5:1$2pm Fax Sent 8587842 1:03 2 OK
Oct 27 9:52am Fax Sent 8237218 1: 10 2 OK
551 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Oc:~-25-0. OS
-----
M. Brooks • MARA 3 1 r o 7531 P.Ol
,/
My prevlD1I5 IllmlKDoll' in lhc above _ _ red _ww are krdly IIllICIificd • ~r",nlla1 ill lilt followillll paI1Jt"lars Daly:
1) cANCELynoN INST!UCTJONS: 80Iycr IIIlI Seller .._ I&J iaunaliMdy QIltellbe aboore rdnca:cd T ~
YlI lhc relaled I'un:tIu: A.ftftIII!lIl. if any. From Iuds on lIqlolUl. ~row Holdr:r ;,. Iwrdly ...cIIorirled uti l.-rw:ad III
reuin lbc ""10 of S Z50A
funds on tleposil shall
wbitb alllO\IJII E.lcro... Holder IIaaIJ apply wwards &:row UD:ellWon I'eeco uti die balance of lbe
. at tIl· k GrD:isj&d 8Ujet{l). Iluycr(s) aDd Seller(s) bcn:by .:kllllwlcOl. lhcIr aWIl'CKD of !be
faa tbIc EIcrow HDIcIer shall be blluDd by chc lbove rrfer'llll:ad &mIw CaIIl:cllMioa Fcc cff~-avc lIS uf Ibis 4al&. I. dIc I'\'GGI
WI thiJ ~"TOW faw 10 ""lUI in a timety ma~r IDdlor E.r.:row HaIdeT is requiftCI to L:OlIliaue to pnu:ss dliJ tr.ns;ocrine.
E.""row Holder laCncsthe njllt to IllCrcaJC e....:ruw Holelcr's Cu.:cllalioa Fcc. btrow Holckr's ollly oblillllioas in Ibis
lnll~ ..:tlon llhall be to disbunc the funds lU tailed for hem. aflcr m:clpl of lIIis &auw I~Dons nu:UlI:d by Bu)'Cf UIlI
Seller. Additionally. Ihc panics hcmo furtllrr ""1IlT1l1ll IDd rcpmc.. llw tbcy shall pay all of Ihcir nspo.'tivc olll.~ .......
tompuuel', illtludi. . bu. DOt hnuled .,,; pn)'l'lc:aJ impe..'tioa CDIIlflIDY•• eolo,1I: ,mcpa.:lioa toqlUY. r.c"",~ 1~"1ioD
toR1p"4l1)' lIud/nr cknland Ifts oallick of BCTOW. Burn and Sella funbcf rrlcuc IDd mievc E.~row HoIdr:r. 8ro~rrs aDd Ed
Qchn from IllY .nd .11 past, pnxnl lIndior fullln: habilil)' aDd/or rnpoa.oibllil)' .D ",.anl III I:oOIL'dlllUlXl of tIus U'lMaCDOII.
AK 01.... IcnNJ'" ~Il"" .,r Ib.. nuv. ali." ....'" &he' _ _ AU,.."... ....... _ ....".". . Kk__ IcG.",· ...... nI • c.., 01 __ .
"LU'~
Joscpb H. zemik
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BUna,S): -sW(;.£ To I£,t;.j!?/V Jt,l'YfrZ. S
Obl151 T 01./ l:- 'TV r;Jtt/kti
~Ni=vic-;::-SiuDuJl--------- t> t= ~r:.-~ T (Sb~ 1StL.d~)
BROKER A, PPROVA, L: Brokcr(s) join In !he cllCtulinn ollhi... E..<mlw IlISUIIttiollJ Ind bccn~ • ,..ny Ul this E:tcru... mati••
lDchc Dillhvl'llClllml of Funds2lllx.
~ ,)7J I rvf {..~c.n-ow I fvS I rt1/ V/? t1?V<; '/, PrJariZ., (4111
~ IG r pf'\2., {:;. ~~.
552 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
AGENT DETAIL Page 1 0[2
Nivie Samaan
Gilleran Griffin Realtors
310-849-3816 nsamaan@sbcglobal.net
.
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EQUIP: BUilt-Ins
SEWER: POSS:
C:--LP:"$2.5~00 ~ SP: $ 0 _ -_ _
UI. e~/tlll/2eej'
DOM: 8
CD: 03/16/2007 SD~712007 =:> SSP:
WD:
OLP: $2.599.000
L02: L02#:
502: S02#:
Broi<er/~llloesnol gua,onM lne accuracy 01 tt.e SQUll'" iOotllQe. 101 _ or 01..... tnfmnotoon CDt\Cl!!m'nglho <X>t\dtt1<ln. '" I.."""" 01 1M ~ ."..,..,.., l>'I 1M ,."Ie< or ~
from l>ubliC Recx:::r01 or ottll!r sources 8uye' 15 Mvtsed to lroepenoentty ~ ~ accuracy of alltnformatJon Ihl"a.J9h ~lln5PeC'OCrl i!IInd..,.,th bO'PI"OPN~ orof'esSIONts. Coo'YnQMt ~
2001 bY Comt»r'lf'O l.A f'Neststj~ MLS, 1t'Ic. In'ormatJOn oeemed relf)ble 'OlJt nOt guaranrp,eg.
http://pro.themls.com/AIl_Searches_Preview_Files/one_agent_detailyreview.cfm?prepared... 5/8/2007
J •
553 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
AGENT DEIAIL Page I of 1
Nivie Samaan
Gilleran Griffin Realtors
310-849-3816 nsamaan@sbcglobal.net
STATUS: So.ls:!
, > ~ 'UERLY "'L\<~; '!02~'.•• ' '. I.. fum...)
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RESIDENTIAL SINGL~ FAMILV AREA: (1) Beverly Hills MLS#: 06·115961 MAP: 6J2Lt!2 BR: 4
STYLE: Mediterranean SUB: PUD: VB: 1930 BA: 5.00
APN: 4.Dl.-.019-0n ZONE: BHRIYV HOD: $0.00 STO: 2 APX SF: 3,300/0T
ADP: VU: No PL: No APX LDM: APX L.5Z: 6,050/VN
APX ACREAGE: GH: None FP: 1 PKGT:
HORSE PROP: L5~: No LOP: No FUR: No PKGC:2
ELEM: CHECK WITH CITY JRHS: CHECK WITH cm SRHS: CHECK WITH CITY
ROOMS: Breakfast
EQUIP: cable,Ceiling Fan
AIR: Central HEAT: Central
FLOOR: Mixed LAUNDRV: Inside
FIREPL: Other ROOF:
POOL: TENNIS:
PARK: Direct Entrance,Door Opener,Garage SPA: None
VIEW TYPE: None WATERFRONT: None
SEC: FIN:
SEWER: POSS:
DISC: As Is SZONE:
OCC/SHOW: 24-hr Notice
~--.",
LP: $2,450,000 OOM: 210 (,SP: $2,450,000 \ SSP: OLP: $2,950,000
L02: L02#:
http://pro.themls.comlAJJ_Searches_Preview_Files/one_agent_detailyreview.cfm?prepared... 5/8/2007
554 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
AGE?.TT DETAIL Page I of2
'[yv
))~L~
Nivie Samaan
Gilleran Griffin Realtors
1575 Westwood Blvd., Suite 300, Westwood, CA 90024
310-849-3816 nsamaan@sbcglobal.net
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RESIDENTIAL SINGLE FAMILY AREA: (1) Beverly Hills MLS#: 06-127679 MAP: 6Wfl BR: 3
STYLE: Spanish SUI: PUD: VB: 1930 BA: 2.50
APN: 4.328.::02S~Oj..6 ZONE: BHRIYV HOD: $0.00 STO: I APX SF: 2.456/AS
ADP: VU: No PL: No APX LDM: 50X127/AS APX LSZ: 6,400/A5
APX ACREAGE: GH: Det'd FP: 2 PKGT: 2
HORSE PROP: LSE: LOP: FUR: No PKGC:
ELEM: BEVERLY VISTA JRHS: SRHS: BHHS
L02: l02#:
SAl: Drew fenton 5Al#: 310-248-6409 SAl CELL: 310-560-3777 SAl OTHER:
CSO: 2.5% IT: ER LBA: Yes BAC: Yes LS: No EO: No PROBATE:
8tt*e'/"Oe'1 does "'" g.... ""'tee the ocnncv 01 the tQ~ foolage, lot _ Of othef "'f<JrTNtlQn CDnO!"U"9 r"" COt\d~lOM a ~~ at tile llrolle'lY prtMdorj by tile .elor a _
/tOm PuDlO( ~. or omer SOOr05. !lu'fe< is _'sed to '~Ily Vf!rt/y tile oceu:acy at .II,nformatJOn tIVOu<1> ~1,nSllOCl"'" and w,ttl appropr1a~ ~IS- ~l iC
Z007 by Combtned LA./Wes~ MLS, !rIC. InformabOn ~ . - but not guaranteed.
http://pro.themls.comlAlI_Searches_Preview_Files/one_agent_detailyreview.cfm?prepared... 5/8/2007
,.
555 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
AGENT DETAIL Page 1 of I
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REMARKS: Prestigious Family home on famous Rodeo Dr. One-story Medit. center hall plan. Huge living rm with exquisite beams,
hardwood floors. Equal size family room with gorgeous hardwood floors as well. Formal dining room. Lite n brite/Remodeled kitchen
with center island/bUIlt-ins. Bkfst room. Large bedrooms. Lots of closets. Master bath has bidet. Master opens to large swimmers'
pool plus spa tub. Covered patio With fireplace. 2-car garage With EE.
ROOMS: Basement, Breakfast,Center Hall, Dining, Family, Living, Pa ntry,Patio Covered, Powder, Service Entrance
LA2 OTHER:
L02: L02#:
_1"'9<"1 doo!5 not 9IJllr2nte< tI>e acnncy r:# me "lua~ fooClloe. IOl _ a 0lIler informatIOn ronamlng the cond't>ons or tealun!< 01 tI>e property proY'Clecl !l'I the _ a ctnInftl
rrom PublIC Roc""" a 0lIler ""'IUS. Buyer 's o<Msel to ,~W """tv the acancy 01 oUln!onnabon thl'OlJ9h pef10Nll ,n'l>«!JOn 01'1(1 w,t!\ .ppropna~ prole..",... COp'fr'tQht Q
2007 by Combined l.A,/W_ MLS. !nc. InformabOn <leem«l reloaOlO bUt not guarantee<l.
http://pro.themls.comlAll_Searches_Preview_Files/one_agent_detailyreview.cfm?prepared... 5/9/2007
556 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
AGENT DETAIL Page 1 of 1
~
Gilleran Griffin Realtors
1575 Westwood Blvd., Suite 300, Westwood, CA 90024
310-849-3816 nsamaan@sbcglobal.net
: I~ I~
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RESIDENTIAL SINGLE FAMILY AREA: (1) Beverly Hills MLS#: 07-157175 MAP: 632LfJ BR: 3
STYLE: Spanish SUB: PUD: No YB: 1930 BA: 3.00
APN: '13lB.:Ql7.-0J.9 ZONE: BHRIYY HOD: $0.00 STO: 1 APX SF: 2,602/AS
ADP: VU: No PL: No APX LDM: APX LSZ: 7,680/AS
APX ACREAGE: GH: N/A FP: 2 PKGT:
HORSE PROP: LSE: No LOP: No FUR: No PKGC:2
ELEM: lRHS: SRHS:
L02: L02#:
_"'/AQenI <loe< no! ~_l1le a<cuTKl' of rtoe SQUa", fooaIQe. lot ..... Of _ I"formal"'" ccn<emoq rtoe con<lIN,"s 0< futures allhe ~ P<'CM<led by the seller O f _
from PublIC Rocmls Of _ """rt:es. ~ IS _,sed
to ~ I / y venfy Ill. aco.ncy d all ","""'atoon tllrouqll penonal WlSll<CtU' anO W11ll appmpnatr proIewonats. Copyrlo/ll 0
2007 by CDmblned l.A./W_ MlS, Inc. I"format"'" oeeme:J relIable !luI no< g ... ""'I...o.
hnp://pro.themls.com/All_Searches_Preview_Files/one_agent_detail-.rreview.cfm?prepared... 5/9/2007
557 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~
N9V 03 O~ 05:23p
, p. l~
A(il:N'r D(,TA/L
• Nivie Samaan
Gilleran Griffin Realtors
• t Page 1 of I
-' .---------~
310-849-3816 nsamaan1@aol.com
t -----
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320 S P[CK DR. O~V[RLY HIU.s 90212 $1,695.000
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RESIDENTIAL SINGLf FAMILY AREA: (1) 6ev~ly Hills MlS#: 04-011C>llju MAP; 632/1-:3 IlR: 4
STYLE: sp;ln,,,h SUB: PuO: VB: 1930 BA, 3.00
APH, 4)]tt-O;>4-0]] ZONE: rlHRIYY HOD: j.O,OO STO: -; APX SF' ;> ,(,~;ofVN
ADP: VU: No PL: No APX LOM: APX LSZ: 6!IOO/VN
APX ACREAGE: GH: N/A FP: 0 PKGT: 7
HORSE PROP; LSE: No LOI>; No FUR: No PKGiC:'
fLEM: CK W/CITY lRHS: SJtHS: '" VI kLY HILLS
REMARKS; TRFMFNDOUS VALUE 1'. r>OTCNTIAL IN TI115 CHARMING OLDUI 2STY COURTYARD SPANISH' SUNLIT RMS W/WD HRS,
PF RIOO OFTAIL, l'o PARTIAlUrOATCS ... LG I1D (J UP'~TRS/ 1 DOWNS'TRS), QUAINT KITCH W/lOVH Y RR[I\I(FI\ST RM, GRACIOUS
[NTRY 8. STAIRWELL W/STRII(ING STONE FLR. BEAUT L1V 8t DINING RMS. LUSH llo. PR.IV uo.NDSCAPING W/lG GRASSY BACKYARD'
CURB APPEAL ON A PRIMe QUIli' STREET' SOLD IN STRICTLY 'AS IS' CONomON' CHIMNEY CAPPFD BY PREVIOUS OWNER AFTER
NORTHRIDGE F,\RTHQUJ\KF.
ROOMS: 6rt!!"kfa~t.Oln,nQ.L,,,onQ,Servl(;eEntr"ncc
EQUIP: Range/Oven
AIR: Nonl' HEAT, (.r.Wtfy
FLOOR; HMa .. ooc ~UNO~V: )n';ldf',Room
FJREPl: None ROOf:
POOL: Room For TENNIS.
PARk: Dc-t,'Chpd,C.".'Cj.',:>f(l,· fly SiC" SPA:
VIEW TYPE: Non" WATERFRONT:
SfC: FIN; Co:lSIl,Co:lSIl To New lO;,n
SEWER: POSS:
OI5C: f\": I" S20N~: Pro[)C"rty ~f'port
OCC/SHOW: ll';f1n<J J\(Jf'nt Accomp.'M1''''i
L021 L02#:
SUb~"
Date
Samaan
10/2912004 14947 PM Pacific Daylight Time
Fro JZ12345@earthhnk.net
To: I Mjlibow@aol.com
I
October 29, 2004
I
Hi Midhael
i
If sa~aan Attorney calls you, please ONLY tell him that I am not going to
r
sell th house to anybody else in the near future.
Than~s,
Josep
559 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
/" STATE
OF AC
UNION BM<K Of CAlifORNIA
BEVERLY HILLS G72
PO BOX 512380
LOS ANGELES
NT
UN T5
CA 90051-0380
JJge I of 2
5/31/07·6/28/07
Teleservices®
For 24·hour Aclornaied Direcl Service
8CO·238·4486
H
800 B26-7345(TDD)
Representatives are available
from 6 om 10 t I pm
SUMMARY OF ACCOUNTS
Days in slalemenl period: 29
560 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
DECLARA TIO~ OF VICTOR PARKS
3
411 1. I am a Senior Loan Consultant \vith Pacific Mortgage Loan
5 II Consultants. I have personal knowledge of the facts set forth herein, v;hich are known by
6 II me to be true and correct, and if called as a witness, I could and \vould competently testify
7 II thereto.
8
911 2. I have over 30 years of experience in real estate lending and sales. I
tOil have been a Senior Loan Consultant with Pacific Mortgage for approximately 4 years. As
11 II a Senior Loan Consultant I act as a broker between lenders and borrowers. My duties
t 2 II include gathering information needed by lenders from borrowers and facilitating the
13 II procurement of loans. I have been a loan broker since 1986. Prior to that from 1982 to
14111986 1 was a Vice President and Corporate Loan Officer for Bank of California (now
15 II Union Bank). Before that from 1971 to 1982 I was Assistant Vice President/Corporate
16 Loan Officer at Bank of Southern California. As a loan officer at both Bank of California
17 and Bank of Southern California I was responsible, among other things, for reviewing loan
18 II applications, packaging loans and determining whether borrowers applying for loans met
19 II the bank's criterion. In addition to the above, since 1999 I have been a licensed real estate
20 II broker. Attached hereto as Exhibit 20 is a true and correct copy of my most recent resume
21 II outlining my experience and qualifications.
22
2311 3. When deciding whether to lend money to a buyer of residential real
24 II estate, like ~1s. Samaan, a lender examines three factors: (1) the borrower's ability to
25 II repay the loan, (2) the borrower's willingness to repay the loan and (3) the lender's ability
2611 to recover the loan should the borrower fail to repay. With respect to the first category, the
27 II lender will look to the borrower's income and debt structure. The second category is
28 II analyzed based on the borrower's credit history and score. For the first two categories the
borrower is the pal1y \vho provides the lender \vith the requisite infonnation, such as a
2 II credit rep0l1, bank account statcments, etc. The third category - \vhat happens if the
3 II borrower defaults - is based on the value of the propeliy. The information needed for the
4 II lender's analysis of this category comes mostly from the seller. When a borrower has thc
5 II propcl1y appraised, hc/she will submit that appraisal to the lender. The lcnder will then
611 review the appraisal, to determine whether the value is justified. The lender will not
7 II approve the loan until it has reviewed and approved the appraisal. In revicwing the
8 II appraisal the lender needs several key documents, two of which are the prcliminary title
9 II report and the fully executed purchase agreement. A purchase agreement consists of a
10 II Residential Purchase Agreement and Joint Escrow Instmctions. The preliminary title
11 II report must be provided by the seller and the purchase agreement must be executed by
12 II both parties. The preliminary title report may contain a host of items that effect the value
13 II of the property. These items include encumbrances, easements, encroachments, mineral
14 II rights, conditions, covenants and restrictions or Home Owners Association restrictions.
15 II The lender also needs the fully executed purchase agreement before it can review and
16 II approve the appraisal of a property, because the terms of the purchase agreement may
17 II effect value. For example, if a seller has agreed to return $100,000 of the portion price
18 II back to the buyer, then the value of the property should be reduced by 5100,000. A lender
19 II cannot approve the appraisal and loan for a property without first reviewing the
20 II preliminary title report and the executed purchase agreement. Borrowers typically will not
21 II remove their appraisal contingency until the lender has approved the appraisal of the
22 II property. In a residential purchase transactions, such as the one involved here,
23 II contingencies are in place to protect the purchaser. For example, an appraisal contingency
24 II means that the buyer's purchase of the property is contingent on the property appraising at
25 II the purchase price the parties have agreed upon. An appraisal has two components. The
27 Group, Inc. Once the independent agency appraises the property and prepares a report, as
28 Property Sciences Group, Inc. did here, that report is sent to the lender. The second
component of an appraisal is the lender's approval of the appraisal done by the independent
2 II agency. Since the lender is lending money secured by real estate, the lender wants to
3 II ensure that in case of default, the security will sell for an amount that will cover the
4 II obligation under the loan. This is the point where the lender needs the fully executed
511 purchase agreement and preliminary title report to conduct its revie\v.
6
711 4. In or around September 2004, I was retained by Nivie Samaan to
8 II procure a loan for her to purchase the property located at 320 South Peck Drive, Beverly
12 II accepted her counter-offer (second counter-offer total) and she instmcted me to begin the
13 II process of procuring a loan for her purchase of the Property. She informed me that escrow
1411 was to close on November 1,2004. Samaan also told me that since she was going to be in
15 II Hawaii for one week for her wedding, Zernik had agreed to move the acceptance date to
16 II September 23, to allow Samaan enough time to meet her obligations under the parties'
17 II purchase agreement. On or about September 24, Samaan submitted the necessary financial
18 II documents to me to begin processing her loan. I asked Samaan for the fully executed
20 II Instmctions, Buyer's Inspection Advisory and Wood Destroying Pest Inspection and
24 1/ both parties must sign every page where applicable and also initial the bottom right comer
25 1/ of the Residential Purchase Agreement and Joint Escrow Instructions. Samaan told me
26 1/ that she \vould contact the escrow company selected by Zernik Mara Escrow' Company
27 ("Mara EscrO\v"), and request the Escrow Package. The escrow agent at Mara Escrow
211 ordered an appraisal of the Propcr1y. The next day, on Tuesday September 28, I emailed
3 II Zemik's agent Michael Libow and informed him that I had begun processing Samaan's
4 II loan. However, I could not submit the loan to the lender, Country\'.:ide, until I had the
5 /I Preliminary Title Report and the fully executed Purchase Agreement. I told Libow that we
6 /I expected final loan approval in 10 days. Libow \vrote back telling me 10 days is a lengthy
711 period "given the buyer's loan contingency". I responded that we had been informed that
8 II al1 deadlines would start from September 23. Libow never told me or to my knowledge,
9 II anyone else, that he disagreed with this understanding. Attached hereto as Exhibit 21 are
13 II to send me the Escrow Package. I told Mara Escrow that any delay by the seller in
14 II delivering the Escrow Package would delay the approval of the loan. The lender could not
15 II and would not approve the loan without the Preliminary Title Report and the fully
16 II executed Purchase Agreement. Mara Escrow responded that they were waiting for Libow
20 II the Escrow Package to me. I did not receive a response to from Mara Escrow and notified
21 II Samaan that I still had not received the Escrow Package.
22
23/1 9. On Tuesday, October 5, I again contacted Ytara Escrow and asked for
24 II the Escrow Package. I told Mara Escrow that I was ready to submit the loan for approval
25 /I but needed the Escrow Package before I could do so. Later that day ~fara Escrow left a
26 voicemail for me informing me that they needed more time to send the Escrow Package to
27 me because Zemik had not yet delivered the Purchase Agreement to Mara Escrow. ~1ara
28 Escrow told me "you're a little premature ... could you call us back in a few days ... and
564 / 745
\\02- \\ E~ r 1\1 \1 K J 400322807 I
-4
Court File: "Volume IV Continued" DECL\RATIO:-: OF VICTOR PARKS
Samaan v Zernik (SC087400) Los Angeles Superior Court
then we can send you what you need." Attached hereto as Exhibit 22 is a tme and correct
')11 copy of transcript of)';1ara Escrow's voicemail for me. After receiving this voicemail, I
3 II sent an email to Libow telling him "we'll be ready to submit for loan approval tomorrow
4 II when the appraisal is in. Unfortunately, we called escrow to follow-up on our request for
5 II [escrow] instructions and prelim[inary Title Report] made on 9/27 and they're saying we
6 II may not get everything until next week ... As you're aware, we need these items to submit
7 II for final loan approval." Attached hereto as Exhibit 23 is a true and correct copy of my
811 email to Libow dated October 5, 2004. Libow did not respond to my email.
9
loll 10. Still not having received the Escrow Package, on Wednesday, October
11 116, I urged Samaan to contact Mara Escrow. Finally, on Wednesday, October 6, after the
12 II close of business, at 5: 38 p.m., Mara Escrow sent some, but not all, of the necessary
13 II documents to me. Specifically, Mara Escrow delivered the Purchase Agreement (still not
14 II initialed one every page by defendant) and the Preliminary Title Report to Samaan and me.
15 II Mara Escrow did not, however, deliver the fully executed Purchase Agreement. Because
16 II Mara Escrow sent the document after the close of business, I did not receive the documents
17 II until the next day, Thursday, October 7. One day later, I notified Libow that I was
18 II submitting the loan to the lender, Countrywide for approval but that the lender would not
19/1 receive it until October 12, because Monday October 11 was a holiday.
20
21 II 11. The following week, on Friday, October 15, I learned that the lender,
22 II Countrywide, was suspending a decision on the loan because Zernik had not yet sent me
23 II the fully executed Purchase Agreement. I immediately contacted Mara Escrow and urged
24 II them to send me the fully executed Purchase Agreement. Mara Escrow told me that they
25 II had not yet received the fully executed Purchase Agreement from Zernik. The following
26 II Monday, October 18, ;Vlara Escrow sent me some additional documents, but still not the
27 fully executed Purchase Agreement. Not having received the fully executed Purchase
2 II approved the loan. I informed Libow of this fact and told him that the loan is conditioned
3 lion the appraisal revie\v due by the end of the week, October 22, and the lender receiving
5
611 13. On Thursday, October 21, I contacted Mara Escrow and infonned
7 II them that I was ready to order all the loan documents, but could not do so until I received
8 II the fully executed Purchase Agreement. I also told Mara that the lender would not approve
9 II the appraisal review until had a fully executed Purchase Agreement, initialed on every
10 II page by Zemik.
11
1211 14. On Friday, October 22, r called Mara Escrow and pleaded for a fully
14/1 the appraisal review of the Property. At this point, the only thing preventing the
15 II Countrywide from completing its review of the appraisal of the Property was the fact that
16 II it had not received a fully executed Purchase Agreement initialed on every page by Zemik.
17 II At approximately 3:42 p.m. Mara Escrow sent me a copy of the Purchase Agreement.
18 II Attached hereto as Exhibit 24 is a true and correct copy of the facsimile cover sheet and
19 1/ Purchase Agreement Mara Escrow sent me on October 22, 2004. This document is not
20 II initialed on every page by Zemik showing that as of 3:42 p.m. on October 22, Zemik had
21 II yet delivered to Mara Escrow a fully executed Purchase Agreement. Subsequently, later
22 /1 that day, Mara Escrow sent me a fully executed copy of the Purchase Agreement.
23 II Apparently, at some point after 3:42 p.m. on Friday, October 22, Zemik went to Mara
24 II Escrow and initialed every page of the Purchase Agreement. I immediately fOf\varded the
25 II fully executed Purchase Agreement to Countrywide. I then emailed Libow to provide him
261/ \vith an update. Later that day, Libow wrote back in an email to me and copied to Samaan,
27 II thanking me for my update and raising the possibility of a two vleek extension of close of
28 II escrow to enable Zemik to find another place.
15. The following Monday, October 25, [ received the lender appraisal
2 II approval and immediately informed Libovv of the same. Attached hereto as Exhibit 25 is a
311 true and correct copy of my email to Libow dated October 25, 2004.
4
511 16. The only reason Countrywide did not approve the appraisal of the
6 II Property was that we did not timely receive the Preliminary Title Report and the executed
7 II Purchase Agreement. Here, Zernik and Libow did not deliver the Preliminary Title Report
8 II to me until Thursday, October 8, 2004, one day before a three day weekend. Therefore,
9 II Countrywide did not have the Preliminary Title Report until Tuesday October 12. But
10 II even with the preliminary title report Countrywide could not approve the appraisal until it
11 II had the Purchase Agreement, which Zernik did not provide to us until Friday, October 22,
12 II one day before he attempted to cancel escrow. Even with all of Zerniks' delays, the loan
13 II was approved on October 22. We had one full week before the deadline for close of
14 II escrow. It would have only taken a few days for the loan documents to be prepared.
15 II Based on my experience I believe that the parties could have closed escrow by November
16 111,2004. If Zemik had complied with his obligation to provide Samaan with a fully
17 II executed Purchase Agreement by September 27,2004, Samaan would have been able to
22
23
24
25
26
27
28
567 / 745
WI!2-\\f)1 1\1\11<.1 -+u0322S07.1
-1
Court File: "Volume IV Continued" DECLARATION OF VICTOR PARKS
Samaan v Zernik (SC087400) Los Angeles Superior Court
61 ~3-2239 p.9
Jul 10 2007 1:57PM '.RSERJET FRX
4
5 I declare under penalty of perjury under the laws of the State of Cali fomia
7
8 Executed on July ~ 2007 at S 4,) J;2/SW, California.
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25(
26 I
I
27
28 1
-8
\VOl-WEST I\1\1K j'.4003228D7.1 DEC LARAnON OF VrCTOR PARKS
568 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
,
• ~
•
Victor L. Parks, Rea) Estate Broker
3050 Rue D Orleans #476
619-223-7615
e-mail: victor@victorparks.com
SUMMARY OF QUALIFICATlO;\lS
PROFESSIONAL EXPERIENCE
Vice President/Owner
Delta Pacific Capital, Inc. 2003-Present
(DBA: Pacific Mortgage Consultants)
Beverly Hills, CA
President/Owner
Delta Pacific Properties 2003 - Present
San Diego, CA
569 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
,
•
(parks resume page 2)
~
•
President/Owner
Delta Pacific Mortgage 1986 - 1992
San Diego, CA
• Responsible for Commercial Loan Development for Business under $25 million
in Sales at the Banks Main Office 1981-82
• Branch Manager 1979-81
• Assistant Branch Manager 1978-79
• Bank Auditor 1973-78
• Operation/Loan Officer 1971-73
EDUCATION
570 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~?: l1B IHX 3
571 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Page 1 of 1
Subject
O,t.
From
To
: sama., .)rocess Today!!!
Tue. 28 Sep 2004 10:03:00 -0700
Linked to: Michael J. Libow
• J
Hello Michael:
This e-mail is to inform you that the loan for Ms. Nivie Samaan has begun process today!! We've ordered escrow,
title & appraisal and estimate final loan approval within 10 business days.
You look out for your clients everyday - and so do 1. Our # 1 goal is to provide our clients with unsurpassed
customer service. along with the best rates and programs available.
We're confident that you'll find our level of service and commitment second to none.
Sincerely,
Vietor ParkS
Sr. Loan Officer
Pacific Mortgage Consultants
Victor@PMLoans.com
310.275.5353 Office
310.496.3256 Fax
about:blank 10/27/2004
572 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
573 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
·) • J
Hi, this is for Victor regarding the Property at 320 South Peck Drive. We don't even have
Escrow Instructions drawn up yet on that. so, you're a little premature. Could you, urn, call
us back, ah, we don't have the Escrow Number yet. Could you call us back in a few days
so we can, ah, log in your, your company's name and then we can send you over what you
need.
574 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Page I of I
SUbject
Date
L.inked
From
To
:
to:
sa.E.. , .ltndKlns & Prelim
rue, 5 Oct 2004 17:39:00 -0700
Michael J. Libow
• J
Hello Michael. We'll be ready to submit for loan approval tomorrow when the appraisal is in. Unfortunatety, we
called escrow to follow-up on our request for instructions arid prelim made on 91 nand tht:{re saying we may
not get everything until next week. If there's anything you can do to expidite this. it would be appreciated. As
you're aware, we need these items to submit for final loan approval.
Thank you,
Victor ParXs
Sr. Loan Officer
Pacific Mortgage Consultants
Victor@PMLoans.com
310.275.5353 Office
310.496.3256 Fax
10127/2004
about:bJank
575 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Page I of~
Subject
Oat.
: ~. ,.J Appra,sal RevM!W Status
Fri, 22 Od 2004 17:43:00 -0700
• J
Linked to: Michael J. Libow
Please note the type-o .... I meant to ':><JY " Four days for loan approval and four to five days for appraisal revIeW
is not unreasonable in this market.·
Victor Parks
Victor@PMLoans.com
310.275.5353 Office
310.496.3256 Fax
Hello Michael. I've given Beth status about an hour ago. Per my Rep at Countrywide the appraisal has not been
reviewed yet, so there's no verbal to give today. He assures me that we'll have the review by Monday.
In my conversation with Beth, she suggested extending escrow a week or so to allow your seller to secure a
residence. That might be the answer to this problem. Even with the appraIsal review done on Monday, it will be
very difficult (not Impossible) to fund this loan FridC!y, October 29th to be able to record and close on Monday
morning, November 1st per the escrow instructions.
As you know we did not receive escrow and title until Friday, October 8th, so Countrywide didn't recieve the loan
package until Tuesday, October 12th due to the weekend and holiday. Four days for loan approval and four to
five days for appraisal review is unreasonable in this market. This is a very clean loan approval and we don't
anticipate any delays in closing.
I'll contact you on Monday with status on the appraisal review sign-off and when we can expect loan documents.
Regards,
Victor Parks
Vlctor@PMLoans.com
310.275.5353 Office
310.496.3256 Fax
From: Mjllbow@aol.com
To: Victor@pmloans.com
Date: Fri, 22 Oct 2004 19:04:35 EDT
about:blank
576 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
• • f l-h FXHIBrr~-5 p;S
FO I NTIFICATION"'"7
_ _ 20---",,-+
...;.LJ...~
CrikifV~A
FAX TRANSMITTAL
TO:
ATTN: Jason
FAX NO: 925-892-7966
SUBJECT:
Purchase Contract
IMPORTANT NOTE: Should any of tb_ papen require 8Q ORlGINAL SIGNATURE. Please take a XERO;lt, COPY
BEFORE SJGNING. We will not accept 8D OrigiDal Signa~ on FAX paper.
Thank you for your cooperation in thiI matter.
THIS MeSSAGE IS INTI:NDEI;l ONLY FOR THE USE OF TBE INDIVIDUAL Oil. EN'l'I'I'Y TO WFlICH IT IS
ADDRESSED. AND MAY CONTAIN INFORMATION THAT IS PRIVILEGED OR CONFIDENTIAL, IF TKE :aEADER
OF THIS MESSAG5 IS NOT THE INTENDED RECIPIENT, OR THE EMPLOYE2 OR ACENT RESPONSIBLE FOR
DELIVER!NG TH:E MESSAGE TO THE IN'I'ENDE:!> RECIPIENT YOU ARE HEREBY NOTIFI:s:D THAT ANY
DISSEMINATION, DISTRIBUTION OR COPYING OF' THIS COMMUNICATION IS STRICTLY PROHIBITED. IF
YOU HAVE REA!) 'I'H:IS COMMUNICATION IN ERROR, PLEASE NOTIFY US :I:MMEDlATELY BY TELEPHONE AND
RETURN '!'HE ORIGINAL MESSAGE TO OS AT TIm ABOVE ADDRESS VIA TIm 0 . S . POSTAL SERVICE .
)l{O
577 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
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579 / 745 3
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
1B/22/2BB4 15:42 31 531 MARA ESCR()o.I PAGE el4
-~,., '"',. "VL.LJ1\"~LL C"",~.
310 271 48~j • St.- .c-04 3:49PM; PAGE 2
CAUFORNIA .
""~ (.: ,\ I. I r II 1< " I ,\ RESIDENTIAL PURCHASE AGREEMENT
. . .~~ A to; s () ( , .\ '\ I U " AND JOINT e:SCROW INSTRUCTIONS
.. ~ Of' K r. "'1." O~~,·' For lNIe WrltJ SIn91e FAmily R8aloential ~rty -"'ltKhed Of Debcr.d
{C.A.R.1"omI ~"'.cA. AaviSe~ '0102}
OGle sept~r-L-Z.~ oJ: _ § ..... r.ly UJ 1. , calWomia.
1. OfFER:
1'<, nonS IS ... N OFI'"FR FROM Hi ....; . S!f!!!1!fD rl!luyttj
S. THE REAL PRO~ER"!'Y rO 6E ".::.:lUIR£D ~ .,.,=r.btl(;l n 32' $. ~ .. ..;iK ;l;;:"... e, S<ov1JrJi' H~':'.!s, CA 9C1:.1
___ ,__ ,AsaeSlcr'5 ~rcel~, 4328-021-023 ,situate<l in
_ _ _ _ _- - ' ~ RiJ.l€ , C01Jnty til WI Ange 7 ..5 ._ ,c;.elifcm., rpropeny).
C. TH£ PURCH,ASE PRICE ollere(l" an .. Xil I i on Si.x ~ed Sre.,ty Z'hpllbU¥'
. __ .____ Dolbf'5 $ .!,l......l!:€-!,7.!<C......lo!O..
OJ.l.a.....lo!O~O _
D. CLOSE OF ESC~OW sl1all occur on. _ Octob«z: 15, 2Q04 (oall:) (or 0 Days Ale I "'~U1rlC»).
2. F1NAN~ TERMS: Oblarnl"O the ~.ns belo'W IS • COl'lting.ncy m thlll Agrwement unlQU: (I) . b r 2K or ~L ia c::fIed<.d bllloW Of (Ill othelWl5e
e~reed In Wfihng. B~r ~nlli.et dll9crrt'y and in good llIUh 1D oD1Ol1n Ole de~lIa(ed loa"'.
Otllanng CIlposit. dowlI oa~ment It'd dOM1g costs Ia .ot
a contingency. Buyer reprft'l nlS thai follClS V,lIn /)f gOOd whllfl depoaited WIth Escr_ Holdel.
..... INfTlAL DEPOSIT: Buyer has g_n I ~1lO$C ,n the amount of " ...................••..•• . .. S 10, OOC. 00
to lIllr ao-nt .ubmitMQ tl'lc offer (or tQ iJ I, by personal c:r.d<
wI\lcII SNlll bt Mold uncnlle;:l u"tM AQ:leP~"ct end tllen 0ep0Ull(l .... itllhI ;, bu.inesl ~.Y$ ~r Aco8pcan<»
(or :J __ __ _ ). WiltI
E=_ l-lold",. (0' 0 Into Qroker's t"....hceount).
$ _
B. IHC~SEO DEPOSli: Buyer shAW deposit WIth Escrow Holder an incr'lllned dePosit in the .mount tJJ
WlUlln Dey. A1tIIr Aa::aplanca. or 0 ,.-- -,- _
C, FIRST LOAN IN THE AMOUNT OF . . . . . . . . . . . . . • . . . . • . . . . • . . . . . . . . . • • . . . . . . . . . . . . . • , .• $ 1,336,000.00
(11 NEW F~ ~~ of T~ In h1vor of lend'r. enCUmbering tile Prgp.rty••• cunftG. "*
payable at muimun1
INlrIKl Of : 500 'h fidel ra... or 5. 000 '4 Irltial adjustllble nne
wtth. rnIlCm.rn 1<UfeSt rate
01 -J.~ ~' balance due In 30 )'II"" atTlOl'taed ov..- 30 year.!! BlIyIer shall .
l)lIy 'cQn fees/polntJ not io e~caed . ('TheM terms apoty wtlelhel' 1he ck'sign• • d ioerl
is conveontionll. F~ or VA.)
(21 0 /'HA w
VA. ;The tolIoorinlllems only llppty 10 ll'Ie F'HJ. elf VA IOen tnet is et.cKed.)
Self( Sh•• pay ~ CliIcaurll ~Olrrtll. S.lIer stl.,U pay O1t\lr leeI not a~ Ie be ~id by BIIYW.
IJ not tel e~ceed S Sellllr a Mil pay the ccatll:t " " r ",QUAId ~pail'S (iI'ldudlno
tlIose ~r woOd OK!I'O)'ItIO pMl) tlOI ou-..".,.. proYldllCl for in ttllI ~~ 0 not 10 exClHCl
5 . _ _ . 1AcWilioen ~t rney nc:r.au It MoIlQlge in&lKlACle premiurTli. funa;ng
P. ADOITlOHAL. FI,"A...cING TERMS: 0 Seller rlnanc:ng. ·(C.A..R. I"orm SF",,: 11 MCICII'ICI8ry rnllfldng .....•.•. , ,.l 161,000.00
(C ..... R. "om> J'lM o.arll;rap/'l~:'-' . .... . . . ' ._..... .... - -~ '~'
A9C'1C N1Vte S_"'n('l Phone: 1310)<47'1838 Fall: 13101 prvpared L1amll WlNF~ aotrwaN
a'o~.r: Gil..,.." & Griffin Re~lIors 1333 Wesl:Hoo(! Blvd, • L.CIl5 Angeles CA 9002.
580 / 745
y
Propeny Adclres~.lza ~ fled lOP 'Pc i¢!'J'dy It' 1 ~;; CII $1;!2J Z Date: $ept:e!lt>er ~ PQlM
c. Tenarrt~up.ed~"Y: ei) Property ~II lle vacant alleast 5 lor 0 )
o~ Prior 10 Cloae Of E.Ic:rtM', unless otherwlse.grm
j~ ",ritlOg Note to Seller. tf you art unable 10 dllli"., Propefty ~cam In accoraanc.a wIUll"Pnt c.ontrol iln<! othet' applicable lMroI. you may
be in brwch of thi5 Ag~rn"'l-
OR Iii) (if c:red<lt<!1 0 r."am 10 remalfl it'! pos".sslon. The attaChad adOendurn is Inco~ IIlb:l thl$ AQ...rnenl (C.A.R Fo,," PM.
~ '~gnollf) :U.
OR (iiil (if d>e~ecJ r,
Thl5 AgnNrroent is cor1tln~nt UDOn Suyer and Seller enlering ,"10 a wr1tlen agrHmenl reQartltlQ.OCCUOIrlCI of the'prgpeny
WI1l'1in troe lime ~peclTled In Dalllgraph HB( 1). II no wntlen :lgr~t IS reaenec ~ltWl tnrs nmc. eItTltIr cuyer or Seller l'l\8y I;IIn~ IlU ~meri
Il'IwrJttng
D. AI Ck:lse Of Escrow. Selle\' IlSSigns 10 Elu~r any OlSsignable warrBnty '"9h~ for hems lnCiudl:d in tha $lie and ~I proVldI lIny Iv»IlabIe CoP18S
ot SUC/1 W".. rr~n(le':>. Brokers canl1a1anCl will "ot del~r lhe "SSIQ1'UIb~rtY Of any walTanles.
E.. '" CbM 01 E~crow. unles. atI1l1IWcse Igr• .cs '" writIng. SQlier ,hiln proy. kay$ and/or rnellM 10 Dl»rme -'Ilodcs, ITl;IIIbOxN llecurity 1)I5lems•
..Iarms and g~ra9. door ~""rs If Pmpel'\y .. a «lnclam'nlum or klcalltd In e corrrron inlol"'Pt luDdrvi$lOn. Buyer _y be f~QUre<l to pay a
oeposit 10 me Homo>own"rs· AssoClalron rHo,,- lit> OClain ....yJo 19 ac:c:essible HO'" fx/r~ .
.6. ALLOCATION OF COSTS (It ClIKked): UnlBs. OIl'lerwisa epecdoed here. this paragrapn only <lerefmfflfi wNl is 10 pay tor the rspelL incpedion. ClKt
or wrvlOo ~ntIOr>ed If MOl specif..d here or ala_here in tnie AQreement. the OIllermination o(wI\a Itllo pay for any WOf1t ~ed Of idendlled
by arry such repon. inJopedJon. lest or service Shall be by !tie ml:tnoo ~red It1 p'ra!1F'1U1 14B(2).
A. WOOD DESTROYING PEST 'NS~ECTION:
(') 0 8lJyer 0
$@M.,r ShtM PlY for an l~ptPaion arld repon fOl' WOOIl d9Slfoying pl!S15 and Orglllllll_ ~porn wIIld! ~." be prepared
~ _ • It regoaler'ec:t atruol\Ir-/ pe5I
COntrol compllny Ttle R.epol1 IhaU cowr !he ac.eestible areN r;If !tie mei" bulldllllil and ~ I1NCWIM end, "
ch~d: [J delllct1ed 'Olar~1 and carpo!tll. Cl QeUlc:hed dec:Q, 0 the folow;ng «net 11ruCW- or ...eas
_ __ . The Repolt IhaI!
not InclU4e root cawent\g$ If Property IS • COI'Oorninilnl 01' Io<:aled in a commOrt inMtnt aubdMeion. tile ~ wi Indudll only the
Mper_ irr1ere&r ond any llxCluS.-.oM areas being lfa"*lTed llnd shall nol Include common .r~., unless otneIWIM agreed. VNler tests or
lh(lWer pane 0" LIpper ....,.ll.Inlb may not be perlormetl will101lt (;tmRnI cf the Q'Iolo1Nll'5 ~nv DeIOw the ~ or
OR (2) 13 (" C:1leC~ The attached lIddltndllfT' (CA~. Form WPA) regarding 'oOIOOd d*sI~yinc ~ ;IIS/)I~on IIlCI alloC:atlO" of rt:* II incor~onlllld
inlD "'. f<greltment .
iI. OnfEIIl INSPECTIONS "'NO REPORTS: .
(1 j 0 Buyer Ci seller .hall ~ to hlva .eptic 01 J)t~ _egotIl Ql$p05al s)'SIOrn$ insIleetad _
12) D 8u)'tlr [] Seller eh.llpay 19 hl\llll domestic _Is tastld for _Ilr potIIblI~y .nd prllduaMly _ _~-----------
(3) U Elu~r f.!1 Sell~r s/ull pay fo·, a Nlb/ral hazarel ZOM oi~u" repcn vrepllrDd by ... :LI·.lAl,J ....L..Jc~b[lJolZ....
.....ct.Jr • .lCC«L --::=-:,-
(4) 0 eu~r 0 Sellir slIaD p.,.
rot th. ~ ~ irUopeetlOn 0' repc;lrt .
lSI 0 Buyer 0 seller 'MII ply for tile fal~ inspec:non or r~rt
..
:--.,.-
._
-'-_-:-_
C. c;OVERNIlIleNi "roUIREMENTS "AND l'IIrTROFtT:
('1 0 Buyer ~ 1Seller .1'11111 pay 10r -m.o~ ~lKtDr Il\Il.llletion arvjJor wwar haatllr ~ If feCltnrlld ~ L.aw. PrIor to 0 - Of..e.cm,; SeUer
shall proovoae 5W'" a wnn.n am• ...,.nt of ~l.n,,", in eo::oro-nca wiUI _ and lccaI UMor. IA'llfJM M""'IIl. . . ...
(2) C! eu~r ~ S.lIer KhlIII pay tIle·.Q;lM of cOlTlPiange witIl arry ott- min,"","" INllCIatory gDvernmenl retroftt IItlInc1ardi. lnSD~nI ano
repot1S • l'ecnJlrad as & conditio"« dC£InO ~ lDloar any L.-. .
D. E$CI'OW AND nTLE: , :•• : .. ,~ •.
(1) [XI BU)"Itf [XI Seller llllllll l)8y escroW fee 1/2 bRYN" 40d :LIZ y,l,l.... . ,
Escrow H~r snail ~ ~Cld:...J;r~;J:u~«UE'-1:rLl:qmr:DZI[._"::'_ _-::---:-.,..... :-:_=_~_:____::__:__:_-------:_=_--::_::_:_
(2) 0 B~r l!I Sel~r shaW ~ tor ~r'. litle insur;nce pollcy spedMd in par.9reph~2 DiM e.d r1 tJ., C2'P1py/toZlT Cd'M;!!m
Owner's \ulc: policy Ie be iu.uad~ -.-_---: _
(~r .I\8U ".y for ."" tflle ~",...nce policy inauring Iiluye"~ Ilt~r, unl... lrttlltrw" ~ed In _ltl"Q.)
(i) (j Bu~r ~ SeH..- trwl illY County tr1Il'4fwr llIM or transfer fee , _
(2) 0 Buyar ~ Sene. aha. plly CIt)' uanefar QI OI'tnIns1ar fK . . _
(3) 0 Buyer 0 Seller 'hd pay HOA tranmr fNa _ _~-----------------------
lot)
(I)
0
C
B~r r- -Sel"- .hall pal' HOo' ~"'~ ~ feel -----------------::-----7"""----.---.
BuV-r Oil Srlk-r 'hell illY the t:nst IlOIlO ueeed S 3511 DO • of I ""'~Ir 110m. warnHlf,y plan,
lMued by nrat ~.:r.lS'a. RpM J!trD\ntyll?qn Grft'tl
.... follow'"9 optional ccverege.
wtt~ _
(IS) 0 Buyer 0 Seller Go/Iall pay for _
•..-,...... w_,,,,,,,
,neCXlUraty ,n c:ltsClosure~ .•nFormation or rep<nentlliinru prevllXNY pl'O\/io.-d ID B~ r1f "",hien auy.r .. DlMrwIN .....ware, 5eleT ahaU
M _ _, . . .~_" " _ . " " " ' " _ .......... _ ~. _ . . . . . .
croaclo5Un stwll nal be req",lred fo# c:ondfti_ .nd ~naI inaccuraclel dlllCloead If! l"8Potts 0""", paid fOr b1 Buyw.
Buyer'S In~ ( C ) l5)
=
CoO'f"QlIIlt '1iIil·70~2 CAllrO~NIA ASSOCIATION OF ~!ALTOf\_, INC
RPA.c:" REVISED 10102 (FACiE 2 OF 81 I'l-...ed IIy
8cIlttr's In II1at5 (
oe..
)( )
I ==
CALIF'ORNlA RESiOEPIT'lAL PURCHASE AGREEMENT (R,..A-CA "A~ 2 Of' II. TomUo.zn;
581 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
PAGE 07
531 MAR ~~ PAGE e6
;:'102714634; A . S E P ' . ., .. 3:51PlrIj 22·04 3 :52PIJ; PAGe 5115
PAGE 4/15
_ _ _ _- Oale:~t~r C 200:4.
e::ly l1iJ;, CJI 9C2I.2 Date: kRtemht:t' zQOJ
rd if' wrilif1Cji. RePairs lD tlQ pef1lI rme<I at S elie....
In 5AC'i. or subs.eQUent or art'lE'noed dlOClOsure or nouoe IS Cle1ov_red 10 Buywr.fMt" ~ otle<" Is SIgned.
Ie UW. ,nclurltnO gavafTYTlent.l petnli\. if,~on
('lIS Ag~~m~l \oOilh,n 3 0..,,& Aile< ()elrvery in penon. Of 5 Days After tle1We/y by oeposl 1'1 1M mal. by
qu.lty 'nd .ppearat"CID ~3ra~ lD ~Itng
: S"I>e1 or Seller~ ag ..nl. (Lead DisC!o,"ru sent tly mail must ~ '""'II certitieo maU or ~r.)
Iattf$ ~ nal be possible. Seier st\al\; !II obtain
f Stat\JlCry .nd LeDc DiEcl05U,," is prohiblICCl by Law.
rmed by Seller and the cs.tIl ot sudl Repa": rod
.zARD5: WlttIin t~l! t ..... sp<!cif>ed ''I paragraph 14. s.a.r $/\all If required by U1w: (II d.l-r 10 9...,..
10 enV1;Onm{lm.! h.22sn;j! booklet: (Ii) ~n , ~ ... rnpt !rOm me ollHgalion to PtOV1Oe • "'HD. dlSCiOll" If lhe
(i) I<eep !he F'roprny !Tee ,llll dear C1l leFl$: iii)
ilZD<O ~ru· P~t~"hal Fk\(l~in!l (',,,,0<1"1_) Nez: It"ry ~:~n t'tre ":.:..oro Zone; :'toll(; ,;re A_por~lIl}·
n aM rtlWlUng l'ability, t:lam. demanCls.. damllgBS
-lizard ZOOG: and (iiH o~a~ any atrlllr :tone a5 J~UI~ by Urw lind provide any OIMer onfonnnahon
~ ot IIBbir!ty. worl<llrs' c.ornp8nUlIOn "r"(l OlMr
lilly oa:urriog (lur~ any Buyer InvllSl!g.\lOII$ or
~hP. CafifomlOl Depanmenl 01 JU&lica. fihe';". oe~rttneru. ~q de~r1mcnts serving Jurisdidio/lS at
proWQIOOS ~y be .ffcrtled S.1Iw by nooord·rtg ..
w enforcement autncriies maintoln for publlc aOOl!U i!l Oiltll base of tI'Ia toc;;otlOns of pe~1'\S leqJUred lP
Pro petty lit Buyer's olf.aion. Buyer's OllIl9'U~
division (I) of Seaion :190.• of tho Penel Code. The om b.~ ;5 ~lIted CIl'IOj Quar1l!rIy ~ ~ "
, 0' ~f>ll IIldivloua" in any n0'l1hborllood. TI'Ie Oe?"l'lmenl 01 Justice also ~inlalns • Sax ~Cl¥
aport. wI1 d'l is only In al'let by tItc ~e """ rer \0
aboul rndlvlou•• may b~ IT\IIde. ihls i$ a "SOC" lelEphone .1'!lVi<». Gal1ars muSI nave _CifIC: illtbrmebo"
'alion regarding l'\Ilighbomood, .. nol av~llab'" tIltou9h the -900' relep"o~ S4NlO8.
,. IOlcl (.) in Its pR€ S ENT phy51ca1 cCf'ldl1lon _ of the daw ef A~ and ibl ~ tA
oem.
poortl. if'dlld'"ll pool, Spa. lAnd$caPlrQ .nd prOUndl, i& 10 be mall'ltal'*CI in $Ubostantilol/)' the _
(iiil a¥ d.br~ and per$l)nel PIOP6r1)' nol ir1dudeCl in l~. ~ ahel be remo...c by Cloee Of Eaaow. uta 0' ~~"'>' 0_1f by. Buyer Ia IncotPonrted
fi~d in p"'retlBF>h '4A, OISCl..06~ KNOWN MA TEJlUAI. FACT! "''''0 DEFECTS aHecIinsJ thP
ims wIlhin t~ p;a" fl~ r....., ANO /\lAKe: OTHERDISCLOSURE$ R£CUIRUi 8Y LAW'~ tlmo ~~ may ~y M ._oed, .......0.
pl\lmbinO Inc! heailflg lbtlUrM. ceiling f.n&. tl/epla~ 11IH1't$. lIM IaI7" end pml!!<. lOll! .~.
I CQnti~ncy). Buyer Ih~L Ir1 wring. ramovi ll'lC
"eens. llW'flinO'. shul1el3, windOW CQ"'''Mga, all8Ched IIoor co-nngs. tIolhision IlraenJ\lS. urmlte
'9 inspeetiOna. rtlPOlUI Of dillclolures .re not rt.oe
:ems. air eoOie~CQ<Idl1lone/'&, pOOVapl CQu'prMI'L garage (l00l' Olle"'~ controlI, mellboa.
r 1r>eeip1 of .ny .uet\ 1\efN. IIf tne IlI"I'>I apecilioO in
", ..,f\enens. waler parifiel1l, SKuMlY syn.tn&I• .,.,.: end
in Wffting: II) govemment-mandn=cl ntpeCIlons or
ll"ICI~h lie.
) CANCEL:
Buy., to perlcrTn (1$ apect!led DeIlM). may c:encel
of ~em. and WIthOUt s.lle' warr.nty.
1).
tests, s"""'Y& and other studies rallY'lr InveSllgalionsi. tnelUdlng. but nollJmihld til. tt. ~~ til: 1I1
~iee 10 Buyar to P.r1(ltl'1'l (_ .p4lc:i~ belDW). mlY
~ paint hO:,",'OI: (Il) in'Peel br wood dl!Sll'OYlng J)esU lind org.nlSlTll; (iiI) rev_ 1M Nglal.ertd
,
ClIOl'G by .ny 90~rnmen~1 building or ~inO inSPedDT Of 11=>",.mrnrnt emplayee. un!eU requited
aorap~ 6Al2t. or (vi!) If SUyef falle 19 e+gn or lottiel.
u tPBCi~ in peragrap/l '.6. rwmovw lh. contingency or canoel thia Agr. ."*,,- B~, aha" gl\oe s.ller i5 not: required to 9h.. Buyer. Notiu to
,r 1"~IOatiOn repol'ls o018'''ed try BU)/OI Sal~r ahll make 1M F>rgpcrty 1IV11leble for 1111 IllY«
::tncty .nO aM Dperab~ pllOlltght! on tor Buyer. In~lflllabo", a"" lhrOll~" me oete pcca_ion is
(./)~
) be i<1 wr!t~; III) be
,~,".~
explllltion
..... ........
eigroed by Seier. andllll) give
~
li<;abW lin.- tor l5uyar 10 ..move
~~
ellyer'S lnili;!!a ) MialS{ .)( ) ~
-OR5*. INC.
s...ra
! Rev-.t
Inrt.l, (
by' Os"
--- , (5) t_ _ nitJel$ (
..,
) (
o.ut
)
I
l.EJ
~N=
J ..,..-;.-r, ~ P,AG£ 4 OF 8) r62!921D./.~.I(
::f\lTlAL PURCHASE AGREEMEIf1IAP~-eA PAGE:l OF e) TE..lR02JO.7.rx
1
582 / 745
Court File: "Volume IV Continued" ~
Samaan v Zernik (SC087400) Los Angeles Superior Court
1B/22/2Be4 15: 42 • '531 MARA ~' PAGE
"'c,..· C I: vULUf'fCLI. tlAN.
310 471 4834; • t _c!, 04 :3: 5;:lPM; PAGE f
PropertyAdc,..,s . .:!2C:; PeCk ;r1"'p ~ H:1,t'i2 ....z t' nOl!;' Qgt.e:SI.l'cCPaher f 2004
D. EFFECT OF BUY~I'l'~ REMOVAL OF CONTINGENCIES: " euyer ~ ... wtlllrlg, any GO'.tflge1\CY or c.BnO!'''t>on tigNs. lI11lesl1 otllc:ro
specrf1e<! 1'1 .II M'P3r3te _ n "9'.,.ment boet-ttn Buyer .no sel.... 6~r II't.U col\CMJ~ be o.._d 10 have: til COlTlI)leIed all 8u
l,weslqahOn" and re.... _ of repor\S and Olne' applICable InlorTTlflllOn .nd diSCIQlSu,,", pal'lalr\lno 10 t1'IlIt conh~nC)l or c:a".,.IlIIUon right: ell)-c:
to Pr0c4*l W1t~ 1M tl':l1'll.ClIOr'I.ana 1111) USumtotlail Ilfbilty. rlllSpon~bi~y lrode.~te b RePin or CDl'reCtlOnl peMIlnir1llCl lNII c:ot'ltingencv
canOl!'llalicn right. CO' for inaoiiCy 11) oblll.n mIncing.
E. EFFeCT 01' C,o.NCELlIlTION ON DEPOSrrS: If Buyer or Se~ aNn wnllBn nollQ!l d ClInc;alllltion p~n1 to ngnls au." ex~ \M1der tl
1<;'rT1$ of this Ap,"men\. Bvyet ql'(j Se~@r a:= 10 89" ""two I in,rr-.JalOns 10 """eel the :s.ale .rId ,,"row ano te~a,.., o ~ Id.s lees Ir
<:osts. Ie llu! parly "mit1ed 10 the fur>d~ Fee:!> alid C06I:! rrTlliy be payeble 10 ~nrice pmVICI" anD vand0<3 for serv""" end prooucts p,,,,,,,,,&c a..n.-.
escrow. Rele~se of lunas w;III"1l<lUw. mutual Signed ~ ..... IntllrUCVon& "om Buy.r and SQller, judiciel oec15ion or art>itntJon _I'd.. •
party may oe SUtljec;t Ic'a civ~ penelty of up to $1.000 tor r"",,,,,IIC sign ,uel> in5tntetioltS If no 0000 t:lilh Oispu18 " 1 _ . . 10 _no Is
entitled 10 tht de"osited fundc (CMI ~ca §'067.3).
15. FINAL VERIFlC",TIOfj OF CONDrI'lON: Buyer ~n.1 have the ~t 10 rNi<4 ; flnallnspeClion of \he Prgp"nv \M\t\., 5 lor J Oily. Prior
lQ Cion Of E.cro.... NOT AS A CONTING~NCY OF THE SAlE. but s.elely to comnn: (I) ltl8 p,0Perty II "'-ntAI neoc pUr'$uarw Ie p;Tr.agrap!l 7~ (II)
Repll'I'l; neve been ~~Ied .5 aOree<l: and (IIIJ ~I'" h.n COmPllecl wM Seller', oilier obII9lllionllOi.... th~ klreemenl
16. LIQUIDATED DAMAGES; If Buyer falls to complete this pUf<:hue because ~f Buyer's default, Seller .hall retain,
as liquidated damages, the deposit actually paid. If the Property ~ • dwelling rin no more than tour unita, ooe
of which Buyer lntenas to occupy, then the amount retained shall be no more then 3% of the purchase price.
Any excess shall be returned to Buyer. Release of funds wUt require mutual, Signed release imrtrUetionc from
• bott\ Buyer and Seller, judicial dKiSiion or arbitration iIIW8 • BUYER AND SELL~ SHALL SIGN A SEPARATE
LlQU/DATED DAMAGES PROVISION FOR ANY 'NCR DEPOSIT. (C.A.R. FORNI RID)
8uvI"~ InII... I s.".... 'nitialS
17. 018PllT£ AUOlU'nON:
A. MEDIA'nON:!lu)'er anll sell.., .0....,.
tc med_ II,." diellu1e tw doi'" arISIng belWlI8n I/Iem 0Ul oIlt1ia Aclree<ne<1I. or _ "'lUlling ~ n .
bflfOtt rHomng III /ll'llill'llbon 01 ~urt IICUon. P....grapns 118(2)."" C~) belOw apply whefheror not ltle Artxtr"bon pro.wicm. inlDallod. YedW!lo/l
feft. If any "han be divldeO 'flQ~aMy amol'l\l ~ partie, invotYed. If. for IllY llispule 0' cIIim to when !his Il¥ag rap!> a1lP!ie,. any part)' COft'!'Wn_
an action wllhQlll n",' .1le~"'Iil to ""0Ive the mallei lI\roupt> mediation, or refuGes to mfodl:lle atler Q request hn t.e.n _ . Itler\ that PlU1l'
'Mil nol be entilled to reCOll8r atTDmI'y . . . . _ n if ~ lWOUlO lllllenoriSe be lMIileble to that ~I'ty ;n .ny 'lldl adlcn THIS MEDIATION
P"'OVlSION Ai"f'UES ~ETHER OR NOT THE: ARBrmATlON PROVISION IS INITlA1.eD.
2. ARBITRATION OF DISPUTES: 11} 5uyer and Sefler agree that any dispute or cLaim In \.aw or equity ari.ing
br-lWgen them out of this Agreement or any resulting transaction, which I. not settled through mediation, :i
shall be decided by neutral, bInding an,itratlOn, Including ane! subject to paragraphs 17B(2) and (3) below. :,
The ,mllrator I$heU be a retired judge or justice, or an attorney with at I~eet S ye~rs residential ...., ....til
Law experience, unleSs the parties mutually agree to 8 different arbitrator. Who ,hall render alii award In
0'
aCt:ord!nce with substantive California Uw. The partles shall have the right to discovery in 8ceordanGe with
California Code of Civll Prcx:edure §1283.06. In all other nllspec;ts. the arbitration shall be conduet.c:l in _.
accordance With Title '9 of Part III of the california Code ot Civil Procedure. Judgment upon ~ award of'the
arbltrator(s) may be entered Into any court having Jurisdiction. Intel'pl9tilltjoq of this agreement to arbitrate
shall be governed by the Federal Arbitration Act.
(2) EXCLUSIONS FROM M£OIAlION ... NO ARBlTRATION: Thll following - . . ..I .1lclu4Md from ...-ialion ano ltIttiU'alion: (I). Judlcllll .
or AO"'iUCliCIII !DreG la,,,,,,,,
or Clltlet' ,etio<l or ~Ing ttl mtorcae iI dMC Of tr. .t. mortgapa 01' ImmoWl"IttInt lend UIe COIll1aet _ defIt.e
} in C11I!for". Civil Code sn85; III) lin unlaWful delaiMr adion: (III) tM filing or -..force"'ont oIa ln8Chenlc'e n"n; and IIv,.11)' _ t r i a
~ wlthIn'llle Jurisdiction of. pt'Oballt. ~l1IItn claims 01 ~ruptcy COU'I1. The tl6nll "f I CCIl11..etior> to Inal>ll rhot ""O"lh~ af a notiw ..
pendtng actleft, tor ordoIr of .ttaehmenl. ....certeY'&hlp, InJUI'lC1lon. or otMltf' proVisional I't'mM.... ahalJ 1'101 CO~ • _ _ 01 the
rnedia(lon ~d .rbltratiort provision&.
(J) BROK!RS: a~.nd Seller 1IlJ'" Ic mediaw Ind ertlltTatl dl"PWln or c:~ Invc>lvlng elltwr or bOt" BIOQ.... ~ wIItI t1 A
and •• p,ovidltd ellher or both 8roluw'5 .....11 ....,.. agn.d II) aueh m ~ or .rbllraliofl prior to, or WIthIn. _enable tinMI . r . trtII
dleputtt or wI.... pre~ 10 a.OUts. Af1lI elecllon bJ elt".' or borII Brokers to partlcipe.. In melH~hon or .r1lltlatioo1eh" IIQt mull
in. 8ro"'~ t>.inll lleemfll PIIrt_ 10 ttw~-m
uNOTICE: BY INIl1ALING IN THE SPACE BELOW YOU ARE AGREEING TO HAVE ANY DISPUTE
ARISING OUT OF THE MATTERS INCLUDED IN THE 'ARBI1'RAT)ON OF DISPUTeS' PROVISION D~C1Dr.D BY
NEUTRAL ARBITRATION AS PROVIDED BY CALIFORNIA LAW AND YOU ARE GNING UP ANY RIGHTS YOU
MIGHT possess TO HAVE THE DISPUTE l.ITIGATED IN A COURT OR JURY TRIAL. BY INITIALING IN lliE
SPACE BELOW YOU ARE GIVING UP YOUR JUDICIAL RIGHTS TO DISCOVERY AND APPEAL, UNLESS
THOSE RIGHTS ARE SPECIFICALLY INCLUOED IN THE 'ARBITRATION OF OISPU"TES' PROVISION. IF YOU
REFUSE TO SUBMIT TO ARBITRATION AFTER AGREEING TO THIS PROVISION, YOU MAY Bt! COMPt!LLED'
TO ARBITRATE UNDER THE AUTHOFtIlY OF THE CAUFORNIA CODe Of CIVil PROCEDURI!!. YOUR
AGREEMENT TO THIS ARBrrRA TJON PROVISION IS VOLUNTARY."
"WE HAVE READ AND UNDERSTAND THE FOREGOING AND AGREE TO SUBMIT DISPUTES ARISING
OliT OF THE MAT1'£RS INCLUDED IN THE 'ARBITRATION OF DISPUTES' PROVISION TO NEUTRAL
AR81TRA TION." Buy."a I~ I r S.1~r'$ 1nrt.lal4 1
~ .... .,
___ I
-
~r'S InitialS ( 'k ~/ I
seller's Inllla IS I -
I :> )
(i)
RPA.e... REVISED 10102 (PAGE S Of 1\ R..._ ~ : 0 ...
~ """M'''
T6::!t'I23O.LF);
CAUI'ORNlA RESIC£HT~PljI'W;HASE "'G~MENT (IlP"~ p ...Ge , OfF . ,
583 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
113/22/2ElB4
0<:"1 1)1:
15:42
l;U~lft·Jt.LL
.EJI:J31
tlANKER; 310 271 4e34 j
MARA ESe SEP-22-04 3:54Pij;
PAGE
PAGE 7ns
89
?ropen~ AOClre'5:.l';Q s. h'c\: pr.. ye Beyerly Hll':s ::a ;0212. Dale: ScRteR>«r , 1!?lAI
18. PRORATIONS OF PROPERTY TAXES AND OTHER ITEMS: Unless Olher'Wl$e agreed In writing, tne follo¥mg ilems Eohall be PAID
CURRENT and prorllled between Suyer and Sener as of Close Of Escrow: real property \aJce$ OIfld 3S$essments, Inttre5t. ~nts,
HOA regular &peoal. and eme'gency dues Bnd as&e!smenlS imposed pnor to Close Of Escrow. premiums on Insurance 8~umed
t>y BuYer. ~"y"l1en!! on bonds ;md ."sessmenIS assumed bv BlI)'er. and pavm&nlS on Mello-Roos and other Speoal Assessment
DlsU1et bonOS ana a5sell5menlS tl'1al Bre now a hen. The fol\CMllng'items &h.1J be auumea oy buyer Yv1iHOUT CREOn loWard IIle
ptlchase pnr.e: prorated paymel"lt6 on Mello-ROO$ and O'l~r S~I A~&e.. sment DislJic:( bon& and Il"e~vnen~ and HOA ~ec:i.al
BS5e~menl5 Ihllt Clrc now e lien but not ygl due. Properly will be r&o;lllust.ed upon ch.oge of owner5hip. Any Ilupplemental tax biU,
shell be P31d as foftows: (i) for penoell; Clner Clost!! Of Escrow. by Buyer. end (it) for pe~ pnor 10 Close Of C5CnlW, by Seier. TAX
BILLS ISSUED AFTER CLOSE OF ESCROW SHALL BE HANDLED DIRECn Y BETWEEN BUYER AND SELLER Pror.rtions sheill
be ffiide based on <iI 3D-day month
19. WITHHOLDING TAXES: Saller ,mel Buyer agree to elCt!!Cllte any inswment. etfll:levil. &tatemel\l Of instruction reBsonlibly MC'S~ry
to c.Dmply .... iltl federal (FIRPTA) lind C.hfomia witl'lholdlf\9 LaW, if requJred (CAR. FOnTls.AS and A8).
20. MULTIP\..E LISTING 5ER'V\CE ("HILS"): Brol<.e~ are Iulhorized \0 report Ie lhe M~ a pendIng U1e and. upon Close Of E~. the
lerm. of thl~ transllCllon 10 be publlsheCl and dissernM1ed to persons and entitles Ilutnorizfld tD use lhe informatIOn on termll
approved by the MLS.
21. ECUAL HOUSING OPF>ORTUNITY: The Property is sold in compli.mce with fedBl'iI1. st31e and Ioc:al anti-discnrnnBtion ~.
22. AnORNEY FEES: In any OIetion. proceedinll. or OIrbitration belwMn Buyer and Seller arising oU1 of this AgreelTlf':nt, ttl, preVoliling
Buyer Of SetQr .hall be entitled 10 re.ason8tl1e attomey fees OInd oosts from the nOl'\-preYei6ng Buyer or Se~er. ~ liS provide<7 In
paragraph 17A.
2~, SELECTION OF SERVICE PROVIDERS: If Brokef'i refer Buyer tll Seller to ~". vendorr.. or "Nice or product llI'oviOen
("Providerll'). Brokers do not guarantee tile performance of lJf't'I Providers. Buyer and seller m->, select ANY ProviGerl of thelr own
cnooling.
24. nME OF £SSENCf; ENTIRE CONTRACT; CHANGES: TIme Is of the essence, All undG~tIlndingl be1WeD"l the partin ere
Incorpor;rteCf In Ihis Agreement. Its termll lJre intended by the pa'tieos iii II final. complete and t!!:llduatYe ~sIOn of their
Agreemem with res~ct 10 Its subjec1tnalt;-r, and may not be contradicted by .vi~ of any prior agreement or oontem~out
Ol'ill "greemel'lt If any proVl~ion of ItllS Agreement is held to be IM-tfel;ttve or Invalid. Ihe r~inlllg provisiON will newr1helesa be
;iven lull lorce and effect Neii\')@.r thQJ Agreem_nt nor any provision in it may be 8xler,ded, amend.d, modlfie<!, altMed 01'
changM1. p)lcepl in writing Signed by Buyer and Sder. .",
25. OTHER TERMS AND CONDITIONS, including -t1a<lhed ~pplements: "7'~'
A.. ~t'rs Inr.peclion Advi50ry (CAR Form BIN . ,.
B. 0 Purcnase AgreerTlfllt Addendum (CAR Form PM parag!i1p/'l numbllf't: I
C. Seller to roAr; ~ dosina ~ta i p AD Il!lQUZl.t n9t tp scNd 21 fhoo'¢ pfU"e«J;l(;J o~· the ,t'1"na.l
purch.ve puce Sell cr ", 4WU.. that kuaX" hp~dE • CAUtoJ:1!oia Re.. l E,e, te LJ:0tm4
G)
C~"rr.pn: C '~9,.2OCL CALI~OHNIA ,o,sSOClt.TION Of ileALTORS4P. INC.
RPA.cA REVISEt) 10102 (PAGE ~ OF 81
I
l
SelMa Irllti." (
R _ or
C,ALlFORNI,ll ru;SI:lENTlAL PURCHASE AGREeMENT (RPA~ PAGE 6 O~ 8)
00'"
) -
-....".
T62892JR.7.f')(
584 / 745
Court File: "Volume IV Continued"
~
PAGE 8/15
Prope~ AOdress J2~ s Ptl!.<:J;:_r:'r17~ Z.'....<:rly If' 21;;, c:A 0Q2,u ..:..-- O.lle:...i.eE'c...... 4 zaa,
27. AGENCY:
,... DISCLOSURE: Buyer I!lnd Seller each ackr'low1ed~ pnor rli!Ceipt of CAR Fo/Tl'l AD 'Disclosure Regarding ~Qal ESIlI1e Agency
Rel;luonshrpS'
e. pnTENTIALLY COMPEilNG BUYERS AND SELLERS; Suyer arl(i SeIIllr eac:/'1 &Cl<.nowlfl'.dge. rel"''!!ipt ~ e d!=lt>sure (II tl\l
possibility of muniple represent.tiOl'l by the Broker repregenting tl1.1 pnncpal. This disdow~ may De p.Jn (If • listing agreement.
bUyer-orOKer agreement or .sperate documem (CAR. Fonn DA). Buyer understarxis tMl Broker reprMentl"9 Buyer may also
represenl other potential buyers. whO may ron6ider, make offers on or ultitntrtel)' acqUIre ttle Property. Seller unoerstands that
Brotl.er represenling Sell,"r may also represent o~r ~'ers with competing properties of inter@$t to thIS Buyer.
C, CONFIRMATION: ihe follOWIng ilgency relation &hIps are nereby confirmed fer thi5 trsnsaetion:
L,sting Agent -_____ CoJdyell ,!l4nkcr (Print Firm Name) 1$ tM agent
of (check one): IJ L'le Seller excJusillely: Of 0 bolh the Suyer and Sell.r.
Seiling Agern _ __" G.H.h.4'N! Gr:Ufip a.a.ltarc; (Print Finn Name) (If not same
as LIsting Agem) Is tne ",gent 01 (cheCk one): ~ tt1e Buyer excltn.ively: Of 0 tt1e Seller ~xclusi\l1!1y: or 0 both the Buyer and
Seller. Real Esllltfl Brokers are not pert,.,
to the AQreeme-nt beIW"n Buyer and Se~r.
21S. JOINT ESCROW INSTRUC"TIONS "TO ESC"OW HOLDER:
A. The foilOlNl1lSl ~~~phs. or applicable portiDn.1h~, of this Ag....me-nt conatitute the }oint tlserow irwtnJctlons of
Bu~.r lind Seller to Escrow Holder. wtwch Eso-ow Holder is to ~e 810ng with eny reluted counter offers 3m! add,,"da. and arty
addition •• mutual instructions to dOH tM! escrow: 1, 2,-4. 12. '3B. 14E, 18. 19, 2<1. 258 and C, 26. 28, 29. 32A, ~ anet
p.rllgrJIph 0 of me section lrtled RllIel E,tate Brokers on p;lge &. If II Copy of th. separate CXlmpeOSalion agrftment(s) provided
for in paragraph 29 or 32A or paragrllPh D of the section titted Real EstlllIs Brokers on ~ge II is depOSited lNItI1 Escrow Hddttr
by Brol<er. EsQ'"OYoI HOla.r shall accepl such agreement(.) llll'ld payout from Buyer's or Seller's 1U'IdI. or both. 811 all'Plic:AbIe, the
Broker'!> compensatIon prO'lilled tot in sud"! agreemeon«s). The term!> and conditicmf> of t'lis Agreemem nCI. set forth In the
r.pecifleo paragraphs II~ additional rTlliIllel'3 10r the in1ormation of Er.erow Holder. but ;IbolJt wnidl EsGrow Holder flPed not be
concerned Buy.r and Sell~r will rec::eive Escrow Holder", general provisioN direclly from Escrow Holder and will ex~ 5ucf"1
provlSiofl6 upon Escrow Holders IWQueat To the ex lent th. general provisions ere inconsistQnt or conPlict wlttl th15 Agreement..
the geneflll proviSion", win control as 10 the duties lind ob/iglJtIons of EK:rO'W Holder only, BLiyer lind Sell1:r will exeaJle additional
If1struolions, documer1t5 a"d forms prOVlQ,d by EWllW 1ol0lder lt181 ere reasonably neoelswlIY lo close the escrow.
e. A Copy of Ihl. Agreement an.1I be deliwred. to Escrow Holder withln 3 busne$5 daya .fler A=ept8nc:r
lor 0 ). B!Jyef and Sel.... autherlZe E.scrow
Holder 1o accept end r81y on Copletl end Signilltures liS defined in this AgreClrTlent lIS originali, to open esaow and for other
purpo~ of e5crolW. TI"Ie validity at thla Agreement ill cetween Bur-r and Sel!et" Is 1'101 111l"eded by """etlw or wilen Eacrcw
Holder Sl9"" this AgreemMlt .
. .C. Brokil'l are II p.rty to the KerDW for 1M sole purpow of compensation purvuant to ~r_graphs 29, 32A .nd paragraph 0 of the
section litled Real Estate Brokl'l' on page 8. BUyer i1Md seller irrevocabiy aesign 10 Brokerl compen5alion specified In
pllregraphs 2li1 and 32A, respectJvtly. and Irrevocably instruct Escrow HoId.r to disburse thoU! fundtl to Brokers III Ciole Of
Escrow or pursuarn to IiIny other mlJ\u&lly e):lClned eat1t:elllB1lOn agreement. C~!..tiOl'l instrvclions can be llmeroded 01'
revoked only IlIith !he writt~n consenl of Brokers. EsO'OlN Holder analJ immediately notify Brokers: (I) tI 8we(s initial or any
additiol'l8l depolllt is 1'101 m&de pUrsuant to this Agreement. or Is not good ~t time of deposit with EBCl'OW HOlder: or (II) " BUyer
and Selt.r Instruct ~ Holder to cancel escrow, .
D. A Copy of Iny armmdrnent that affects any pe.-grapl1 of Ihia Agreement tor whiel1 E&atM Holder is responsible ah811 be
l1"lM!lred 10 Escrow HoIdQr ....itnin 2 bO!linel!5s days after InJtUIII execution 01 the amendment
29. BROKER COI\llPENSATION FROM BUYER: If applieable. upon CIoU 01 Escrow. Buyer IIgrees to pmy compen!l!lllorl to Brok9l' al
~pecifletlln a sepera\e writlen IiIgrHrTlent betwetm Buyer and Broker.
30. TERMS AND CONDiTIONS OF OFF8\:
This is an offer 10 PU~lil lhe Propeny on the above terms and conditions. All paragrllphs with spaces tor inllJllla by Buyer and
Seller life inCOfportlted in this Agreemenl onty if initialed by 4111 parties. rl at least one but not ell Plrtles in/tiel. a counter onw Is
reQuired until ~9reemenl is reached. Se"er hilS the "phi to continue 10 o1f8r ~ Proper111 for $ale and to l;tcoept ariy ottler affw III any
lime prior 10 notification of Acceptena!. BlJye1' has reed and 8cknowle<%/es receipt of II Copy of the off.r Rnd ilgrees to the abavG
confirmation of -oency rel3tlonshJPI. If this ol'fer is ilCCepted lind Buyer ~ubeeQuently de1ault3. Buyer rT18)' be respOnsible for
payrnenl 01 Broke,,' compens.'I\lOn. Tnls ASfeemern and any sup~rnen\. addl:ndurn or modlftca1ion. indudinoa .ny Copy. may be
Slgn~d ,n two or mol"ll counterp<a"s. OlU of which shall cont.tllutll one and the 50Ime writing.
585 / 745
Court File: "Volume IV Continued" 10
Samaan v Zernik (SC087400) Los Angeles Superior Court
1El/22/2BBa
...... ,.. 01.
15: 42
"'VL.~t:L.L
e5el7531
I:'ANlU:H; 3'0 271 463<1 j
MARA Ee SEP·22·04 3:5f1PM;
PAGE
PAGE
11
9/15
PrQpeny AdClt'll'S: .UQ;j U"1< ~ licr&ly ...1 H4 HI. 90212 Ollle',sUtembqr ( 2004
31. EXPIRA liON OF OFFEJ<; Thi' ~r .h.1I ~ o-meo revo~ and ne cepe'll 'Nail be r.lurnt:el v"leSs !he oller Is S'9Ie<l by Seller mel a Copy of tt>e
S'l1"ed offer '$ pe':;onal/v received b)' BUyGr. 01 by • 'M>c '5
aulP'loralild to 'PCP\ve ,r 0'1 ~·OO PM on the thirV c:.lencla, d.~ atle! !tiCs orr., is; Sig".d by Buyer (Of, II etw<:Ked. 0 by
D.le
BUYER
~/ ·1 .
~~ ~
LL?; CZ~~ ~w
BUYER
(d_i1Ia_\_'_a1______ 0 -.M 0 p~
/:i '\Ti,. SBll?1!Al'1 _ _
(Address)
32. BROKER COMPENSATION ~RO'" S£Lt.ER:
A. Upon Clot. ()( Escrow Seller .grees to pay <::omPO"sabon ta B~r AS Iped1letl in a ~ale Wf'1lten IQl'eemont D~'" Seller end erool\er.
B. tf escrow dOel> nol Gloae. campen.abon II Peyl'b!e _ _died In tnal ,epa,. wr~en agreement
33. "CCEPT"NCE OF OFFER: Sillier warr.nts that S"I"" 1£ the ownllr or the Proc>e/t)'. Dr hal the lIutllortly to Pe<:IIle th15 Ag_menL 5e11er QCCePtS 11\.
aoove oHer, lip""" 10 sill/the Property on tM aoOVl '-mrs anlS COf1<litions, fll\d agreeS to the above c:onrrnn-tion 01 tglrrTC)' re~lionaIttps SclII.r haS
ruel end Olcl./lCMilOOgM ~c.elpl of a CODY of!tll$ P-9reemehl, and al.Ch0r21!:S etcker to deliwr:l S~ned Copy 10 Buyer.
0(11 ched<ed) SUBJECT TO ATTACHED COUNTER Of'FER, DATED _ . _
O~tQ __ . . _ Date _ ~
SELLER •. SELLER _
,)'Q~ Ze;:n...i~kl.._ _
(pn/iililllm-) IPFlntlUlmel
lAdor"'l
I _ ._ _ : " ) CONFIRMATION OF ACCEPTANCE; A ~ of Sioned Acc:eotllrlOe _ I " ...,olldy ~ tl~ Bu)'el' or I!uyer'I aufhorizecl
(In'iells) ~nl en (Cl"Ile) .r _ 0 AM 0 PM... binding AgrllCment Is c ~ Whtft
a Copy of S;gned A~ptance II J)ef'SoNl1IJ rec.etved by BUYI' or Buyer'lS authof'lad -.gent wn.1het or not confirrMd In
ttll$ oocum....t. Completion ot this coJlflrTuUon l5 not 11I9:tlty rwquired In oms, to CTM. I bil1ding AIl'Wment: It .. ~
Inr.l\4.d to eVldenc. tl1e dale that Conftrm8tioro r:t1/ AccepLlnc:. h. . ~
REAL eSTATE 8J1tOKERS;
A. Reel Estaw I:lroker.la,. not ~rtielI'to tile Alllftlment~~enBuyer and Seller.
a. Agency rolatlonst1i",_ ~onnnned a.ll~ in pa,.,,~ph n.
C;. It speccifled in palOlgraph ~A, "Oem who eutlmllted IN o1l'er fl:lr Iilu~r adcr1lJWteel~ rec:.ipl tJIIl»p081l
C. cooPERATING BROKeR COMPENSATION; L~lng /ilrolcer .g"''" 10 pay COCpttllltlng 8rokar (:selling 'm) .nd CooPlll'~tinQ Ilroke' 1l9r~" 10
ao::al'l\ out Of lJs""9 8fol<wS p,oceeas '" u.cru...... (1\ me MlOl,ItIt ~afied In 1M MLS. ~ CoopenlllnSl 9rol<.ef ~. PartlClillwnt of the Ml..S m
wh,ci1 t~ Procerty II ct14lF1ld tof ~a. Dr a re~ocal MU>; or (I)
CBCI ~tween Lilting DrtlkM.nd cooperatil'lll Brolwlr.
0
<If etI.el<td) the "maUl'll apecilied n. _pe,.
wrttaIIP IIgrMrTlllnt (CAFl ~orm
8y
Address ll~.;l_.!!U~QI2d 8oule'\"ard
- Oty %.g§ Anclel.,
Jf~.ri.Jr SelM'r Dnt S«pt&Lbwr '. !JOD4
Il)' Delli
AIIOIIISI
- City a.tI z:.,
o."iIMlent 01 0
ue-ow HolCler 1$ ucensed l:tj 1M Cahtomlll CMporanona,O Inwranoe,O R...I &tate, lK:elle.
1_ _ :_._) Rf.JECTION
(Sell"" Initials)
OF OFFER;
.
No COlJntwr
<e.te)
~
• Oalll9 mad". This QtIltr rll\lie'Ao«l lind relec»d by SeIIw on.
11-11$ F(,)~'" '"""'5 BEf'" APF'RO'o/itl 9Y 'rt1l: CAlIFORHLIo A.~o;OCIATION OF ~ TORSI> (C AFl). NO R~PRESENTATlON IS MADli A3 'I'tl TloII l,&GO.l VAUorTY Oft
ADGOUACY OF ANY ~ClYISION IN ANV sPECIFIC TI'IANSAOTIOfl /Ie. RVoL ESTATE BRot(ER IS 'Tt11 PFRSO., QUA~I"1'O TO AOVlSi ON REAl ES1"'T~
nn 'erm.l.a'llltllc *"
lJut>y ,'It enll,.,..;ol UI.lll4t onlluAtI'1 ~ .. nIlt ",.n~ 10 odCfIlllv""""'.'.
REAl.TOIlQ. REALTOAe Is I r89ft1*l CQlIlCll.. ~ p ....
''''''en ll'IQy b' U\.-i only by n-e1l'll'JOl'uffle IolAnONAl ~SOClAnOM Of P.EAl.TOR5ewm S<,l>$C';bo: IOlllo Coo& 01 E-.-.
l nc~-.:Yf"~
~
~-~
hI~ ~ ~~. .....
R~A.C" REVIseD ,Ml2 (PAGE 8 OF III
Pu~t.I'IOlll)y trle
Cailfcmj;ANcx:~lJ(>no'Re...lTORSe
TI52Jn30.7.F'X
586 / 745
Court File: "Volume IV Continued"
II
Samaan v Zernik (SC087400) Los Angeles Superior Court
Hl/22/2ElEl4
~~~, 01:
15: 42
vU~UMelL ~AN~Ri
e5El/:J31
310 271 48~j
MARA ESe
SEP-22.04
PAGE 12
3:57PM; PAGE 10/15
,~
C"LI~Ol\NTA
As'OC.AT10N BUYER'S INSPECTION ADVISORY
OF REA L TO R.S·~·
(C.A.R. Form BIA. ReYl&ed '\0102)
A. IMPORTANCE OF PROPERTY INVESTlGATlQN: The physiCal cond~ion of me land ana mprovemen1S being purchased 1$ not
guaranteed by either Sell$!' or orokers. For this rellQOn, you shovld condUct Ihorough investigations of ttle Property personally .nd wilt1
professionals who should provide written reports of 'heir In\lestigation5. A general phYSlall inspection typlcally does nol cover.U aspects
of the Property nor items affecting t~ Property rna' are nol ph)'$icaAy located on the Property. If the professionals r8C'OITIme1d furttler
inYes~gatlOnS. Including a re=mmendatx:>n by a pest control opermr to inspea inllGCessibll! aness of the Property, you $hoUld rontaa
qualifIed expertS to c:onOUCl suef'\ "ddilional in~lJl}ebol'l$.
B. BuVER RIGHTS ANO DUTIES; You hay'! an IIffirmal/lle cuty to ex.rdse reasonable ClIne to protect youra.srr. flcWding dls.covery Of
the ~g8I, prlldlC:ll and techniCAlI Implicatlo~ of disclosed facts• .lind the in\le5tJgation and v<!>/'rtlcallon Of information and facts that you
lcnow or that are wilJ'\in yoor diligent attention and obs.ervation. Thll purchase egrftmern 9ives you the nght to investigate tho! Property. It
you exercise this nghl ~d you should. you must do &0 in ~ance with the terTTl5 of thltl a~eement. This is the best way lor you to
protect your~H. It IS extremely imponant tor you to read all wrlltcn repot1S provided by prolessionel$ aOd to disOJs.s tile results of
Ifl~ection$ wrth the profesSJonal who conducted theln~cion. You have the right to request that SeHer rT\lllI.e repal~. corrections or
taka other "diOn ba$ed lipan items discovered in your investigations 01' diSclosed by Seller. If 5e1k!r is unwilling or uneble to &atisfy your .
reouests. or you do not Win! to PUrcilllU' the Property in It! dlscl05Cd and diecovered conditlon, you hllV!: the fight to canc:el tle
agreement if you act within sPeCifIC timt periOli'. II you do not cancel lhG agreemel'lt In II timely ltnd proper manner, you may be In
~ 01 cotltr*d
C. SEu..ER RIGHTS AND CUTIES: seller is reQuired to disclose to you INlterial tilde known to himlner that affect the value 0(
de:5irabllity of the Property. However, Seller may nol be .WOlre of &Ome ~noperty oefeCb or conc:lltioru;;. ~It.r aces not ~ve an obligatIOn
10 iNopect the property for your oenefll nor ill Seller obhga'Qd 10 repair, c:orreeI or otherwise cure known defectlil thaI are disclosed to you
or prelllously unknown de1ee:ts tnat are dis=ver'llCl by you or your Il"ISpeaor& dunng 86l:row, The purchase agreement otllrgate5 Seller to
make the Pro~ availe~ to you for imlesli~tion&.
O. BROKER OBLIGATIONS: Brokers do not have expertise in al areas and 1heretore cannot advl&e you on many Items, ~ch •• IOU
stability. geologic or _ll"OnmerlUll conditions. hazardoua Of illegal ca'ltrolllCllub$1anc:es. &O'\.JCtunI1 conditions of lJ"Ie toul"ldation Of otner
improvementll, or thi COnditIOI' of tht roof, plumbing, he~g. 8'1 ccndit~ eledrlCal, sewer. ~. waste dis.posel. 01' o1t\8r ..ysl8m.
The o~ way to icourately de1tlrmW1* ttl' ~Ondlllon of tt-. Property ill through an Inspection by an epp.opriQtl;: Pf'OIe"lonal 5eleeted by
yoo. If Broker gIves you reterr." to ~1IC2'l pnofeulonals. Broiler c:1oe:s notlluarant.. their performance. You rmly seled ONlY professional
of your chOOSing. In Ulea involving residential cIwtIllinga WlIh no more than four units, Broll.~ have a dUty to maII.e a diligent visual
1n5pectlon of the acceulbIR areas aI the Property end to disclose the l"e$uIs of th8t inspection. Howewr.... some Pnoperty defects or
conditIOns may not be dmcoverable from a VISual inspection, It '- pohible e~~ are nen IIW81"e at them. H you nave ent.red IntD a
written agreement with iii Broker, the specific term. of ttla1 sgreemenl wlR dlill&rmir'Ie the nlrtu~ and i:Xtem of that Broker's duty to you.
YOU ARE STRONGLY ADVISED 10 IHVESllGA.TE THE CONDITION ~NO SUnABILIn' OF A~ ASPECTS Of THE PROPER"fY.IF
YOU DO NOT DO SO. YOU AR! ACTING AGAJNST THE ADVICE OF BROKERS.
E. YOU ARE ADVISED TO CONDUCT INVESTlGATIONS.oF THE ENllR! PROPERTY. INCLUtlING, BUT NOT 1.IMlTED TO TIlE
FOJ.,LOWINO;
1. GENERAL CONDlT'ON OF THE PROP1:RTY, IT'S svSnMS AND COMPONENTS: Founoatior'l. roof. plumbing, heating. llir
conditionitlg, e1ectri(;;lI, ..,..chenal. ~rty. pool/spa. other rtrucIUr:a1 and non-SU\Jdural system, and components. fixtures,
bUill-in llIpp!iances, IIny peTaOllil property included fI'I the 5818. and er'lergy lrtTieienc.y of the Propert~. (Strueturel engineers liIre beat
5ui1ed to determine po~'e deaign or C:Or1StrLJCtion delects, 8fld Whether improvernent5 are slR'Cl.uratly sound.)
2. SQUARE FOOTAGE. AGE. BOUNDARIES: Square lcot8ge, roQl1l dlmen~on$. 101 size. age of improvltlT\E!nt& and boundaries. Any
numerical 't21tement~ reglirOlrlg these lIems ire APPROXIMATIONS ONLY end ~ net. been velifIed by Seller and cannot be
vcrtfled by Bnoke~. F~, hedges. walls, retaining wails mld ottler natural or constfuctecl berrierw or mal'lr.ers do not neceuarity
iderttlfy trulP Property boundaries. (Profi15Sional$ such a& appratserw, art:hitvets. &U1Veytlf$ end cMI engineer& .re best sulled to
deterrnlle squara foot4lge. dimen5ions and boundllnes of Itl' Property.)
3. WOOD DESTROYING PESTS: Presence of. or c:orlditions liItely to Iliad to the presence of WOOd destroying pem and orgenisma
8nd other mfestahOn or in(Ktion. InspectlOrl reports COVering the$e items can be sepBraled Into two sections; Section 1 idenlifles
areas where infe.!UIllOO or infeCtIon is eviOent SectJorl 2 identifies areas Where there are ronditions IIkli:ly to lead to infestatioo or
infection. A re~slered s1TuClUrai pest control company is be51 suited ID perform these inspections.
The CC!'YT9ht ,_a of th_o!Un"' " &alee (Tille 1i V.S. Code) thf
l'DrtJiej
!hS tll""'. or any .PO"\OrI \/Ieleaf, by P"0UlC:0P)I
J$ )< )
_.
lIn'ut.~ll<l I"l!p4'OOl>C\lQn Buywr'. In.itIlt (
~
...,.Gil,ne l>' lInr om.r noeOnli. Il'Iclud J "9 fDcamJe or ~~l'\Zed formals. S I~'" I ilJall ( )( )
Copyrlllht 0 10Sl1·2002. CAUI'ORN'''' ASSOCIATION OF FlEAtTOI'lS4Il. ';:.:..:.:.:.n=:::..:.===~~===,'
INC. ALL RIGHTS Rt!SERVED 1"_""",eel by . Dere I
BtA REVISED 1OJQ2 (PAGE 1 OF 2) """"1·
BUYER'S INSPECTION ADVISORY tSIA PAGE 1 OF 2
Agam: N'YI.S.rnun Phone:(310~781835 FU:(310) PrlJMnld LiIIlng W1NFa~ cofl_rt
Broker: GlI~" to Grfffin ~e.lto,.. '33-3 ~Uwood BlVCI. • LOS AnllelM CA 110024
587 / 745
Court File: "Volume IV Continued"
Iz..
Samaan v Zernik (SC087400) Los Angeles Superior Court
113/22/213134
.... , . . . . . _.f.. 15: 42
~~
3.61531
Of"'I''ff\.cn j
310 271 4634 j
MARA E~ PAGE 13
SEP'22-04
•
11, FIRE., HAZARD AND OTHER INSURANCE: The availability and COal of n~SIIry or <lesired insurance may WIry. The location of
the Property in a sei$r'nIc. flood or fire haulrd zone, and other conditions, such as the age ot the Property and the c;Ia;rTlI history of
the Property ino El\J)ler, may afl~ ,he aveill\bility afW:\ need for certam types of ins\Jr~. Buyer ~ld ~ore ll'Iauranoe op\i0r4
early N th~ information milY aff&et other decisions. including the removal 0' lOan and inspedion c;on1ingenci&5, (An insurance agent
is be'$t Iulle<l to provide Information on these condilions.)
12. BUilDING PERMITS, ZONING AND GOVERNMENTAl. REQUIREMENTS: Permila. inspedions, amifleatea, zoning. other
governmental ~mllatJOns. ~trialO~. and requirements aff&cting the cun1!lrtt or fulUr. use cA the Preperty, its de'velopmem Of siZ.ll.
(Such infClmlatlQrl j, available from approprl8te govemment81 ilger'lCies ana private II'lfonnBtion providers. Broltm are not Quaftf'1eCI to
~vlt"w or inlerpl'!lt any such InformatIOn.)
•
13. RENTAl PROPERTY RESTRICTKlNS: Some citiBI; and counties impose rl!stridJOr'lS that limit the amount 0( rent that am ~
charg~, !he ma~lmum number of oCCoplilnts: end the righl of II landlord to terrranate a Ienlll"C)'. DeBdbOll or other. lOCkS and security
6V£\eTnS for dOO~ anll winDOWS, Wletuding window baa. should be ~amlned to determine Whether hy atisfy ~B1 reQUirements.
(Government llgenaM ~n prOV'de informetJon about theM rHtriclions and other requirements.) .'
14. SECURITY AND SAFETY: SUite and local L-w mey require the installation of barriers, ec.ceu a~. lelf.iatd1l"9 mech8nisms
endiOf other measurea to oe~SlI the nsk ttl children and otner per$Ol'l3 of eXisting swimming pools and hot tubs. as - ' I . . veriou&
m ~afety Qnd ot~ measures concerning olhcT features of the property: Compl~nee reQuirementS dlfter from cltytD crty and ~ty
to colJrTty. Unlfll:S SpedflC311y 29reed, the PrQPerty may not be 10 compliance with the$e requirements. (Local gcMlrnmenl agenclet
can provide information abOut lt1eH restrietion$ and otn.f Itquir'em.nts.) :'>T, .....
t 15 NEIGH!lORHOOO AREA, SUBCMSJON CONOmONS; PERSONAL FACTORS: NEighbornood Of wndltiQn•• ifQIdlng are.
. ~oots. pfOJdmdy ~d 8Mquacy 0' ..., enforcement. c:rirne stIltisties. the proximty of ~gi$tered felons or offeno.... .fIt. prolildion.
tither goy«mmenl 5efVIORS. ,vli1ablfrty. aoeQulICY Ind 00lIt. of eny ..,peeo.winld, wi~le.. '1'1tIt!'"et alrlneoOll! Of ~
t~ecommunieatJOnl or other technology servle- and Inl1a1latioflS, prClXllnMy tEl c:ommalClill, Industri.1 or egrlc:utturwl. 8dIVhle$.
exi£ung and propOfoed lr1lnsportellon. c:onstrlletion and de"eloprTlltnt that may .neel 1lOlSe. VieW. or uatric. slrpon nocH. nOJae or ~cr
from any sourae, w~d imd dOmQltic Inll'T)llls. other nuisances, haUlnl... or eiroumstlll1CeS, pro~ .&peda.. wetland propertIeS,
botaniCl!I diaeaaes. h~toric: or other govemmentglly protected sites or Improvements. cemetenea. faalille$ and c:ondlt\Ol'l of common
IIreaS of common ,ntere$! wbaIVJsions. and POuiblllllllck of compliance with IIny gDVeming docurr»nts Of Hcrneownerw' Asaodatioo
t requiremenu. conditions ,nd inflLJer\ces of signiftea'lCe to c:erllrin cullures'8m1Jor religions. end personal needa,.requremetlt5 and
preferanceli 0' Buyer.
Buyer lind Selle< .cknowled9« .. nd agree thllt Broker: II) !Joel not ~ whet IHU Buyer should pIIY or S.II.- al\OUld ~Pt: (II, Does not
guareNee I"," condi1ion of ~ Pro~: (iiI) Does I\ot gUaBmtlll ltle petformanca. adeQ~C)I or comp!etenea. oIlnspee:tiorW. aenIIceS. pt'Oduets 0'
,..pan prOYiOed 01 maclc Dy 5-I1ef or others; (Iv) $l\all no! ~ re'PQrtM>1a tar .,.ntllylll9 d,fe~ 1rnIIafll not known ttl 8roUr.arel (II) .,. not visuaJlV
o~rvlIb* In rn.~bly oec:anib* ./eas of tlle P,o~"Y; (til _ " common arellll: 01 (e) a~ of'! the .hIt of life Property; (v) Shal nDr be
,..po~le fe1 mlpechng public: recoras Of permlta concefning ~. 01 ue of p~ (vi) SM. not be Pl!SPQlJSItllIe for iOentIf1ing the Ilx::abon of
DOund.ry ~rle' or olller IIernt .ftcc:tirlV tIlIe: 1'/111 Sn•• ngt be reqlOMit* tar WotltyinQ ,gu.re rootage, ~ ~ of ou.,. or infgnnBUon
•
contained In InvefllgtlbOn .. pottS. MIi'~ Llst~ Servo. ~rlIaerTWl1I&. "YfiS « ol/'ler promohonlll rnatllriat. (vYI) Shill not be ~ far
providing IePIII or ta~ ,<!vice re"artling ellY aspect 01 • tr8MKlICn en_lid into b)' 8u»er« seier. anD (ix) s~lIa nClC ~ MponIib!e ~ DI'OYidin9
Clth.r advice 01 information 11111 e~CH6a the knowledO'. eduClliorl 11M ftpe"""oe nrqu!t8d to perform noaJ ~e rlC8l'l&ed aettvlly. Buyer Arld SeNr
;IgNte to s.aek legll~ talt, insu~nce. title and other oeSlrell U$iRIOC1!' ftOln IlC!Oropnd prohtssion••.
By signing below, Buyer and Sailor eactl a c ~ rhat tho7 have read. und&ratanel, ~pt end han! rt'Ce;v~ • Copy of
this Adv.i1l'ory. Buy.Hi'~untg" to ,..d It ~efuJty.
Date
•
Buyer Signature
t
588 / 745
Court File: "Volume IV Continued"
l':>
Samaan v Zernik (SC087400) Los Angeles Superior Court
16/22/2664 15:42 .56~531 ... ,v t:.' ,
MARA
4+ O..3a ; ~'.22.04 ~ :09PI',li
PAGE
PAGE 12115
14
i~
CAlTrORNlh
and _
_ ~J~o_'=!.:s!:.l!!P.h Eep,jk ("Seifer'").
THE FOUOWING SHALL REPl ACE THE v\oOD DESTROYING PEST INSPECTION PARAGRAPH (4A in th" Califoml2l
Residenti.1 Purchase Agreement (RPA-CA») and sNlil supersede any conflicting terms in any previousty-generated
agreement:
control company. who 'han sepali!lta ttle Report into sections tor evident infestation Of infection (section 1) and for
condltklns likely to lead to infestation or intection (Section 2). The Report shall cover the main building and attechcd
structuras and. if cheCked: L:5l de~ched ~raliJEl$ and carports, 0 delildled decks. 0 the following other ~tructure$
B. (Section 1) 0 Buyer ell Seller shall pay tor work reeommended to correct 'Section 1" condition. cteseribed in the
R&port and the cost of ,nspec::tlon, entry and closing of those lnacces.mle areas where ilc:tive infeStation.or rnleclion
(Section 2) ~ Buyer 0 Seller shall pay for work recommended to cOn'ed 'Section 2" conditions desCribed In the
By signing beloW, the undersigned acknowledge that •• c:h has read, underatands and haa received a copy of
Addendum. .
ttl.
::::OP::;~;;20~_
H:i • S.."..n
. Date st!pt~ .....::.4L,....2a..O'::.:O~4~
Seller _
Buyer_. __
~H15 'ORM HAS Be£!; !lPPROVEO BV THl; CALJPQANlA A$SOC....TION OF REALTORse (C-Aft_J. NO R£PI'lES!N1'~noH IS WWE AS TO Tl'tE lEGAl. VAUDrTY 0"
AO!OUACY OF AJriY ~OVlSION IN !'ol'f'f' Sptcrnc T"'ANSACTION. A ~ ESTATE eR.Ol<EJt IS THE P£R.$ON OUI>.LIFIEO TO ~.QVIlU ON fI.EAl @.STATTi
Ytv.. to"" III ".,laDie /0' ..... ll'1 ;r,. efl .... ,.., ••"'.. ,-.-y • 1& flOl _ :D ~ N _ "" II REAlTORl!t. 'U!AL TOM .. - ""9- C<lJlecliw ~Ile.-hip _ ....
w~1> n-.y be "oed 0",'1 ~' n..- . 011/>8 N".T'ONAL AS",OCL&TlON or MALTORSi!'..no ~l:Jltoe to Its Cooe 01 E:l'lic:$,
CstRE~
:.. """"" ",roo.,....-
PubJshe<ll)y!he
ClIJito/'ni_ "naaetiDn 01 REAL. TOR~ c;---
Rev_lIy 0_
I tEl
==
WPA ~ec ,QI'(l2 (PAGE 1 OF ')
WOOD DESTROYING PEST INSPECTION AND ALLOCATION OF COST ADDENDUM IWPA PAGE 1 OF 1)
"gent: ~"'.. Sa",.. n Phorv: /31 0147811'» F.,.: (310) P~red UIl'"Il W1"':OJnls4l8oftwart
8roiler: Gille",n" Griffltoo R.a11DrS 1332 WPstwood IlMl. • LOll AnQ41H CA 900u
SUbject
Date
:
-- ~
Linked to: Michael J. Libow
From
To
Cc
JeW
.2ClO' 1457:00 -0700
Hello Michael. Wanted to let you know that we have the appraisal review In and It came in at value wi no
conditions. We should be able to get loan docs within the next few days.
Regards,
Vietor Parlts
Sr. Loan Officer
Padfic Mortgage Consultants
Victor@PMloans.com
310.275.5353 Office
310.496.3256 Fax
about:blank 1012512006
590 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Propert~ ~,. FiI.so?I~748i
Sciences ::=7TI
October 6. 2004
I
File '\umber: 116748i
I
Dear Mr. Parks:
In accordance with your request, the Property Sciences Group has appraised the real propeny
mdicated below:
The purpose of this appraisal is to estimate the market value of the subject, as improved. The
property rights appraised are the fee simple interest. In our opinion. the estimated market value
as of the specified date is:
October 2, 2004
$1,718,000
One Million Seven Hundred Eighteen Thousand Dollars
The attached report contains the description. analysis and supportive data for the conclusions,
final estimate of value, descriptive photographs, limiting conditions and appropriate
certifications.
Respectfully submitted,
:
I
II
JlLd2L
William Rahn
AL025258
07'2005
123 S Figueroa St. Ste 230. Los Angeles, CA 90012 TEL 213-830-03JO!FAX 213-680-2368
591 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Propert~~" Flle~C~\~4Si
Sciences =iifI
APPRAISAL OF
LOCATED AT:
FOR:
Larkspur. CA 9493q
BORROWER:
Samaan
AS OF:
October 2. 2004
BY:
Wilham R1lhn
AL025258
123 S. Figueroa St.. Ste 230. Los Angeles, CA 90012 TEL 213-830-0330.FAX 213-680-2368
592 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Property Sciences Group IDC.
~A
PrODertv DescriDtion )RM RESIDENTIAL APPRAISAL REPO' File No. 11674Si
Prope<ty Address 320 S. Petk Dr. C~y tleverJv Hills e CA A> COOe 902,2
AssessOCs Pa"",1 No 4328-D2~23 Tax Year 2003 R.E. Taxes S 11,005 Specal Assessments S :-lone
Borrower Sarnaan Current Owner Zemick Occupant· Owner Tenant rxr D vacant
.•• Property rights appra'Sed lxJ
Fee S",ple '.easehold 0 PrO\eet Type I PUD IJ
CooaorTln'u," IHUDNA onN) rlHOAS
NeKlhbamood or ProlOet Nan"<! !'i'A Map Relerence 632·F3 Census Trac! -010.00 "'"
Sale Pnce S 1,-18.000 Date or Sale In Escrow DesC11000n ana S amoont of lOan cha'OesiconcesSlOns to be pad tJv seier :-I'A
"endefiOent Pacific \1ort""lle Consultants Address 700 Urlcsour Landini Circle. #2"5. Larkspur. CA 94939
AopralSer Wilham Rahn Add",ss 123 S. Fi2Ueroa 51.. SUIte 230. UJs An2eles. CA 9012
LOQllkln
BUltt up
~ Urban
,X Over 75%
Suburban ~
i" 15·75% Rural
Under 15%
Predominant
occupancy
I Sin~le
~~ E
fami.'Y hOUSing I Present land use % IL".nd u.se change
~~E lone laf11lly 90", [Xl Net lIkelV 0 l'O"'"
~X 0 oroce55
Gro",n rate
Property values
Demanltsuoply
Rapid
IncreaSing
SOMage
X Staille
X Stable
X ~DaIlrce
SloW
Declll1rng
CMrS<q:tj
Owner 90
Tenant
X '1acn(O-5%1
500 Low
9000 H, h
Predom",aot
"ew 1·4 famty
90 MulJ-fanWy ~ To
CommefCial ~
--------,1
In
-j
Mar1<eUno time Under 3 flUS. X 3-6 mas Over 6 mos. v,,*, ,,_ "'I 1800 50 Vacant
Note: Race and the racial composition of the neighborhood are not appnlisal factors.
l<.Jelgrborhood boundaries and characteristICS: The subject's neighborhood boundaries consist of: Sunset Blvd. to the north; La ClenelZa Blvd to the tast;
~ IhJlworth Dr. to the south: and the lA>s An2eJes CountrY Club to the west.
".1 Factors that affect the rr,ar~etablll[Y of the properties In the neighborhood (proxImIty to employment and amenities employment stabilIty. appeai to "T1ar~et etc)
:_, See Allached Addendum.
Market conditions :n the subject Tlelghborhood (includIng support for the above conclUSIOns related to the trend of property values. dernancf/suPDty, and maltetJng time
.. such as data on compel1tlve propertIes for sale In the neighborhood. description of the prevalence of sales and finanCing conceSSions, etc)
Market conditlOlls are conSidered as stable with demand and supolv of residential proPerties bein2 in balance. Values are 2enerally trendin~
uDward. Marketln~ tImes are typIcally less than 180 days. with many Droperties sellinR: at or near list orice. ConventIOnal finanCIn2 1S prevalent
and readily avaIlable at norrunal rates. Seller may pay a Dortion of a buyer's non-recurrimz c1osine: costs .
•• Project Information for PUDs Ilf applicable) .. Is the developeribuilder in control 01 the Home Owners' ASSOCiation (HOA)? DYES 0 NO
ApproXimate total number of umts In the subject project ~I A Appl'Oxmate total number of units for sale In the subject prOject
I
Zoning compliance !Xl Legal 0 Legal nonconf<:rmng (GlandfaU1ered use) Illegal No zoning Drainage
~
~ ~
~
DrIVeway Surface
Electnclly
Gas
I"
X
Soeet
cum/guner
Asphalt
:=C-"o"nc"re=te:- _ Apparent easements
Water
San~ary sewer
Storm sewer
X
X
X
Sidewalk
Soeet lights
AIIev
C=o"nc"'r"'e"'te:-
"S"'tan=d:::ar"'d=-
None
_
_ &
FEMA SpeCial Flood Hazam Area
FEMA lone X
FEMA Mao No. 060655 0000
Yes X No
Map Date 09.07 1984
Comments (apparent adverse easemen[s. encroachments. special assessments. slide areas. Illegal or legal nonconforming zan mg. use. etc,}: See Addendum
Attached.
EXls\lng/Proposed Ex,SttnR Wll1dow Type Awning Dampness None Noted Floor Nane _
Age (Yrs.) 74 Storm/Screens :-101 Yes Settlement None :-IDled I Outsde Entry Ucme<> _
'.1 ROOMS Foyer L~lnq DlnlnQ KItchen Den \ Famdv Rm, I Rec. Rm. I Bedroom'i I .. Batlis ~.aundrv I rJther Area Sa.Ft
Basement o
I
Levell 1 I 1.426
".1 Le"el2 3 2 1.249
o
Flnlshed area above qrade contains ... Rooms 4 Bedroom(s); ] Bathls' 2.6-5 SQuare Feet of Gress LNlnq Area
i~JTER'IOR Vc'I;f1i1 IS,Ccrcl:'oll IHEAT'NG I ~I~CHEN EOL:ID ' A,~Trc tVF'.:r E5 :AP 5-C'I.:}~,,'~E
~one
~ ~
Floors Tlle,WoodGood T)1le FAU Relngerator ~Jone [J
'.' Walls
TnrniFMh
Drywall Good
VvoodGood
I Fuel Gas
CondJlionA;g.
~angelOven
Disposal
X
X
Sta"
DroD Star .
''''''"''i''_
Concrete
PatKl
JeC:k
X Garage 2
;',nac"ed
, 0 1 cars
Batn Wainscot Tile,Good Central :-io 'anlHood X CIO<Y Fe"ce Block Wood .\. Blnlt·!r't
:,IV€ W aV
Addll'o~al features Ispec:'al ererqy efflCle'lt Items, etc) See anached Addendum.
Condition of l~e Improveme:",!s. deorecatlon (phySical. funct:onal. and external). repairs needed. quality af c.Q'l5tr~c::or, remode!lng,2:jd:t ons '~IC:
The subJect's
effective a2e IS less than ItS actual age. which is due to re2Ular maintenance and repatr of the subleet prope,,:es on a re","lar bam "0 tnternal
inadequacIeS or external adversitIes were lloted
Adver'ie enVlron'T'e':al ccndl:IQ'lS I~ucn a'i, bUI'lC!. 'rr1I!ed to nazardous wastes, :CXIC substances, etc) preser~ '': li'e iTi~r':\lernents, c~ t"'l? s'~~ 'Jr ,i' the
immediate Vicinity 0\ the Subject pro'Deny :2.Se~e,--,=A",ll~a-':.ch",e:cd".,-," -i
'''''' :
Room Count 10C -: 4: 3.00 6: 3: 300 . -' 3: 450 ' 8: 4: 350 '
Gross LIVinG Area 2.675 SO.Ft 2345 So.Ft : 33000 2 822 Sa Ft : -15000 2.930 Sq Ft : ·26000
Porch, PatIO Declo:.. Patio. Porch Pano. Porch Patio. Porch Patto. Porch
Flreplace!s). elc I Fireolace I Fireplace I Fireolace 1 Fireplace
Fence Pool, etc. Fence.'1o PooL Soa Fence.No Pool/Spa: Fence No PooliSoa : Fence. PooLSpa : -"5 000
: :
Net Adj (tota~ Ixl. , I 'S 33000 I Ixl. '$ 125.000 I. LxJ . '$ 111000
Adjusted Sales Prt:e Gross: 1.9% Gross' 6.8% Gross: 6.0%
of Cornoarable Net: 1.9% S U83.000 Net: -6.8% S 1716.800 Net· -6.00", I I "39000
Comments on Sales Companson (including the subject propertys compat'b,llty to the ne"lhborhood, etc. ) See Attached Addendwn.
· The purpOs€ of it'IS appraisal, 's to estimate the marKet value of the real property lnat IS the Subject of thiS report. based C'r. the atcve corC1.Jons aM the ::.er.;ficatlJr, c:;rtIngent
'"""
ard Ilmrtrng condItions. and rna"ket value denn't1011 that are stated ~ H"€ att2d'1ed Freddie ~.Jc Form 439IFar11€' Mae ~QI'TT' 1;C'J~8 Re'J't5.ed 6 q3 i
7/1
I 'A_
.... .
SUPERI/1SO~
S,qnature -~7(
~U'YfJ"
n8'd [XjD'd ~ot
Name \VJlliam RaM ~ame Pall'! E C~andler. 'vIAl (,../ ;~~P€et Pr:oerty
Date Reoo~ S·gned 1006 ZOO4 :Cate ReDor. S'oned 10062004
State Certlf,catlon , Stale State Cer-tdlcat,on , c:.tate
594 / 745
~""..ud<lY'9AC.~e I!IOCl~&71;_l<JMl!tDtII
,_
Sales Pcce S 1." 18.000 I t.595.000 S I S
VALUE .'DJdS"MEi'ITS DESCRIP,ION DESCRIPTION I ,."A~ OESCRIP'ION (.\s . . ~ DESCR'PT'O~ 'I '
: :
Above Grade
Roorrl Count
~c(aj
.. :
, [\0""",
4:
'
''''''300 TCJllj' Barns •
8: 4: ""'"
3.00 .
icul'
:
~
:
I
i
Gross LlVIno Area 2.675 SO.Ft 2612 SoFt : 0 Sa.Ft : Soft.
• Basement & Fn5hed None None
Rooms Below Grade None None
Enernv Elfoent Items Tvo. for eff a~e Tvo. for eff a~e
: :
Net Ad '(otaO rxl. r l . '$ 10000 rxl • ,1 'S o Ixl. " I· 'S 0
Adjusted Sa", Prt:e Gruss: 11.3% Gross: 0.0% Gruss 0.0%
of Comparable Net: 06% S 1.605.000 Net: 0.0% S 0' Net 0.0% $ 0
Comments on Sales Companson (Includlf1g the subject propertys compattblhty to the netghborhood, etc. ) See Attached Addendum
Date. Price and Data ~one w/in last ~one w in last 36 months
Anarysls of any current agreement of sale. opuon. or ilstlng of the subject property and analysis of any ~sales of sut>tect and CO~lQbles 'Mthn one year of the date of appralSC3i
See Addendum
··
595 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
ADDE~l~
I Borrower. Samaan Flie :-<0
Pro~rty Address: 320 S. Po<k Dr. Case ~
City: Beverlv Hills State: CA ZiE. 902lc
Lender. Pacific Mortgage Consultants
Site Comments
There were no apparent adverse easements. encroachments or other adverse conditions noted at the time of the
Inspeclion. The subject IS considered to be a legal conforming use and the subject'S current use as a single
family reSIdence is its highest and best use.
The subject is located In a FE\1A Special Flood Hazard Zone X. This area is defined as areas determined to be
outSIde the 500-year floodplam and also determined to be outside the 1% and 0.2% annual chance floodplams. Please refer
to local authority for definiuve information.
Additional Features
The subject is a detached good quality wood frame dwelling with features, amenities and energy efficient items
typical of its age and construction quality. Additional features and ameruties include: Hardwood flooring
throughout the subject; walls are taped, textured and painted drywall; a stone fireplace located in the living
room; hardwood flooring and marble countertop in the kitchen with apphances: built-in stove:oven. fanhood,
dishwasher, and disposal; the baths included tub showers with tile wainscot, sinks and toilets; master bath
includes marble counters Wlth a seperate shower and a tub. The subject has a central heating system and
window cooling systems. There is a detached two-car garage accessed through a drive-way off of Peck Drive. A
carport also exists on the southern portion of the subject. Exterior improvement include: Front and rear
landscaped, block/wood wall penmeter fencing, and concrete patio.
596 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
ADDE~'Dl~
B<Jrrower Samaan File'SC'
Pro~ Address: 320 S Peck Dr Case~
CitY: Bevertv H1J Is State CA Z!'p' 90212
Lender PacIfic Mortgage Consultants
Ad;ustment Factors
SALES A~D FDiAl\CI:'iG: ~o financing adjustments were required as all sales were wIth conventional
financIng, or the equIvalent. wlth rates and terms typical of the prevailmg market. There were no reported
buydowns or other financIng concessions that would have had an impact on market value.
DATE OF SALE Comparables 1, 2. and 3 were recent sales, having closed within the last two months.
Comparable 4, however, closed m 'vlarch 29. 2004. Since the closing date of comparable 4. the market in the
subject's neighborhood has increased. Therefore, a I% adjustment was made for each month since the clOSIng
date of comparbable 4. All date of sales are close of escrow dates, unless otherwise noted
LOCATION: All the comparables were located within the subject's neighborhood or in nearby, similar. and
competIng neighborhoods.
SITE: No adjustment was warranted for slight differences in lot size as the market does not recognize the
additional utihty.
VrEW: The subject and the comparables deemed to have similar views.
DESIGN AND APPEAL: The subject and the comparables were considered to have similar deSIgn and appeal
charactenstics: no adjustment was indicated.
QUALITY OF CONSTRUCTION: All of the comparables were average quality wood-frame dwellings similar
to the subject.
COl'.TIITION: An adjustment on comparable was indicated due to It being totally remodeled. The subject and
all other comparables were deemed to be in SImilar conditions.
GROSS LIVING AREA: Differences in gross living area greater than 100 square feet, relative to the subject.
were adjusted at $100 per square foot, rounded the the nearest $1,000. Differences in room count, bedrooms,
and bathrooms were factored into the gross living area adjustment
BASEMENT A~ FINISHED ROOMS: Neither the subject nor the comparables had a subterranean basement
or fimshed rooms below grade; no adjustment was indicated.
FUNCTIONAL UTILITY: No adjustment was indicated as the subject and the comparables were considered to
have comparable functional utility.
HEATING/COOLING: No adjustment was indicated for heating systems as the subject and the comparables
were considered to have comparable heatmg systems. The subject has a wall air conditIOning unll. However,
comparables 2.3 and 4 had central air conditioning units which were given a $ J 0,000 downward adjustment.
E~TRGY EFFICIENT ITE\1S: The subject had SImilar heating system as the comparables. The subject has
window aIr condltlOnIng units in the bedrooms. Comparables with central air systems were gIVen $10.000
downward adjustment for they supenor appeal and desirability.
Gf\RAGE CARPORT: The comparables and subject have a SImilar number of garage spaces.
PORCH, PATIO, DECK. FIREPLACE(S J, ETC: The subject and the comparables were conSidered to have
SImilar amenitIes such as patIO, porch, and fireplace.
Addendum Page 2 of 4
597 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
ADDENDL~
Borrower Samaan. FtleNo
Pro~rtv Address: 3:0 S. Peck [), Case ,
CI.!:t. Beverlv Hills St3le: CA ZiE.: 90:12
Lender: Pacific Mortgage Consultants
PREDOMINA~ VALLT The subject's value is conSIStent with the predominant values m the neighborhood.
MAL YSIS OF CLTRRE~'T AGREEMENT: The subject was listed on August 8, 2004 m the amount of
$1,695,000. The subject was on the market for 52 days and is currently m escrow for $1,718,000. ~o personal
property 1S included in the transactIOn. The purchase agreement was reVlewed and there were no concessIOns for
non-recurring closmg costs or personal property noted.
Final Reconciliation
The Sales Comparison Approach was given the most weight in determining the final value estimate. as it best
represents the actIOns of typIcal buyers and sellers m the market. The Cost Approach IS gwen less emphasis due
to the subject's age and location in a fully developed locale. The Income Approach was considered, but is not
conSIdered appltcable because smgle family reSIdences within the subject's market area are typIcally purchased
by Ov.l1er. users and not for mcome generation.
Additional Information
PERSONAL PROPERTY: Personal property includes such items as furnishings, artwork, antiques, machmery
and equipment. :--10 personal property was mcluded in the valuation of the subject property.
FEMA FLOOD DA TA: ReadersiUsers of this appraisal must note that the FEMA flood hazard information noted
herein (in regards to the subject) can not be guaranteed by the appraisers. The appraisers are not qualified
experts m the determmation of flood hazards and make no representation as to the FEMA flood zones or the
necessity of flood insurance for the subject. The reader/user is advised to obtain a separate independent Flood
Certification for the subject, if so demed. The appraisers have not examined the FIRM maps as published by
FEMA, unless otherwise noted or mcluded herein as an exhibit. Flood information noted in this appraisal was
obtamed from FARES services.
ZONBIG DATA: Zoning informanon was denved from FARES or other sources deemed reliable. However the
accuracy of the data can not be guaranteed.
STRUCTL'RALIMECHANICAL DEFECTS: Unless specifically noted, this appraisal is based on the special
assumption that the subject does not have any strucrural or mechamcal defects. It is assumed that all mechanical
equipment and appliances are in satisfactory working condition, unless otherwise noted, and that the
electricalJplumbing systems are also adequate, unless otherwise noted. The appraisers are not experts in these
areas Inot ltcensed or qualified home inspectors) and have not tested the subject to ensure that all of the above is
in working condition. The pest control report (or termite report) and home inspection report if any, were not
provided to the appraisers. Lastly, this appraisal is based on the special assumption that the roof and foundation
systems are adequate. But again. the appraisers are not experts in these fields and have not tested the subject in
these regards.
ADVERSE ENVIRONMENTAL CONDITIONS: There were no obvious environmental hazards present in the
improvements, on the site. or in the vicinity of the subject property that were noted at the time of inspectJon.
The value estimated m this report IS based on the assumptIOn that the property is not negatively affected by the
presence of hazardous substances or detrimental environmental conditions. The appraIsers are not experts in the
Identification of hazardous substances or detrimental environmental conditions. It is possible that tests and
inspections made by a qualified hazardous substances and enVlronmental expert would reveal the existence of
hazardous materials and envIronmental conditions on or around the subject property that would negatlvely affect
ItS value.
COMPETENCY ST ATE:VIE~l : The appraisers and The Property Sciences Group Inc., have
analyzedJappralsed the subject's property type before. The appraisers and The Property Sciences Group Inc.
possess the necessary knowledge and experience to complete this report in con formitv \\ lth the competency
proviSIOn of L'SPAP. The appraiser signmg on the right, supervised the appraIsal process, has made a thorough
revIew of the work file mcluding the finished report, has recommended changes where appropriate, and concurs
with the analyses and value conclUSIOns stated herem. The appraisers and The Property SCiences Group Inc.
accept full and complete responsibiltty for the appraisal report,
PURPOSE OF THE REPORT (SCOPE OF REPORT): The purpose of thIS report IS to estlrnate the market
value of the subject property
FLi\CTIO~ (I:\TENDED CSE) OF REPORT The function of this report is for fmancing-lending purposes
This appraisal report is mtended for use in a mortgage finance transaction only. ThIS report is not intended for
Adde:1durr. Page J of 4
598 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
ADDE:'ll>Df
Borrower Sama.an File Nt
Pro~ Address: 320 S. Peel< Dr Case ~,
any other use or uses and shall be mvalid if used for any other function. Furthermore. this report may only be
used by the noted clIent, as mdicated on the top of the appraisal form. Tlus report may not be gIVen to and may
not be utilized by any third party. The appraisers and appraisal firm will have no oblIgation to reissue tlus report
to any other party.
REAL PROPERTY IN'TEREST DEFINED: A Fee Simple interest is defined as "Absolute ownershIp
unencumbered by any other interest or estate, subject only to the limitations imposed by the governmental
powers of taxation, errunent domain, police power. and escheat." [The Dictionary of Real Estate Appraisal. 3rd
Ed.]
DIGITAL SIG:-JATCRES: Tlus report may contain digitally-reproduced signatures, which are approved by
F:-JMA,GN~A, FHA, and HUn. The ACI appraisal software program allows an appraiser to attach a
diglt.ally-reproduced signature by entering a secret password known only to the signing appraiser. Furthermore,
after the report 1S digitally signed. it is locked and cannot be altered by anyone but the signing appraisers. The
appraisers and The Property Sciences Group, Inc. accept full responsibility for thiS appraisal report.
DIGITAL PHOTOGRAPHS: This report may contain digitally-reproduced photographs, which are approved by
FNJv1A, Gl\'MA,FHA, and HlJD. The photos have not been altered or enhanced in anyway that would
misrepresent the property or mislead the intended user of this report. The appraisers and The Property Sciences
Group Inc. accept full responsibility for this appraisal report.
Addencl'J.l!:. Page 4 of 4
599 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
FLOORPLAN I
Borrower. Sarnaan Fl;e.W.. 116748i
?ropertY Address 320 S Peck Dr Case ~o ~A
City Beverlv Hills Stale. CA Zip' 90212
; er.Jec ?actfic \lor!l!a~e Consultants
, :
,
,
,
I
0
2 Car Garage 0
N
\
First Floor lBC'
I
19.0' I
0 !
<"'i
0
35.0' 16.0'
5.0' '" I
Bedroom
Breakfast I
L'Room Kitcnen Master I
Nook Batt>
0 Full
...;
0 Batll 01--
I <XI
N
'" <XI
Bedroom Dining Room
N
Stal~
Stairs Bedroom Master Balcony
Full
Bedroom
Batt>
'cti" Entry
'" 120' 40,0'
\I " i
living Room
FIP
'" Second Floor
'"
N
16.0'
I
I
Sketch by Apex IV Windows I"
16 a x le.O 441.00
3, a x 19.0 57.00
I
i
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,
Property=='~
Sciences 75
I
,,I
I
I I
123 S, Figueroa St., Ste 230, Los Angeles, CA 90012 TEL 213-830-0330.FA.\ 213-680-2368
600 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
PLAT MAP
r Borrower: S~ F;le .'v \ 167481
Propertv Andres.s. 320 S. Pe<:k Dr. Case :\0 NA
Clty' Be ....erly ttlJlS State: CA ZI£: 90212
:"nder Pacific ~lortga2e Consultants
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602 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
• •
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603 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
• •
MAY!25/20C~/FRI : I:01 AM ?OC ITIES MORTGAGE •~AX \'0' . 81~-
f 1u -ql~~
" ..... t.~Cl/OCl
W02-VlESTJMIv{K!\400111151.1
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DECLARATION OF ALFRED CANINO
604 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
DECLARATION OF GAIL HERSHO\VITZ
'I
L (Jail llershowitz. declart: as follows:
"
.)
14 II the Purchase Agreement and Joint Escro\v Instructions and had not signed page 8 of 8.
15 II Sec Exhibit "A."
16
19 II Escrow Instructions in escrow. In response to this request, I sent to him by facsimile the
20 II copy of the Purchase Agreement and Joint Escrow Instructions in escrow. This document
21 Ii is not initialed on every page by Mr. Zernik and is not signed by him on page 8 of 8
I
22
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------_.---=-~
'.\I·I~-\\L"'T l.\j\n~l J")IU11.)~'~':: 1 [)]-.CL\IZA TIU~ Uf GAil. JIlRSI1U\\ITZ
605 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
because as of October 22. 2004. Mr. Zernik had not yet provided escrow \vith a fully
'1 II executed Purchase Agreement and Joint Escrow Instructions. See Exhibit "A."
3
4 I declare under penalty of perjury of the laws of the State of California that
6 II
I
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. '" :.l.j':.f
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-
5 II the foregoing is true and correct and that this Declaration is executed on June
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606 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
:'-''''~~.I ~ .1- .
• ~,ARA
•
ESCROW Plf.>E 61
~0/=2j20~4 15:42 31CS587531
FAX TRANSMITIAL
TO:
ATTN: Jason
SUBJECT:
Purchase Contract
IMPORTANT NOTE: Should .any of t~ papen require llQ ORlGINAL SIGNATURE, Please l.ak.e a XEROX COPY
BEFORE SIGN.l:NG. We will not accept Original Signature an FAX paper.
aD
Thank you lor your cooperation in this matter,
7HIS MESSAGE IS INTENDED CNLY FOR TEE USE OF' TEE INDIVIDwu, OR ENIITI TO WHICH IT IS
ADDRESSED, AND MAY CONTAIN INFORMATION THAT IS PRrvILEGED OR CONFIDE:N"I'IAL, IF T":iE READER
OF 1"',,15 MESSAGE IS NO, TID> INTENDED RECIPIENT, OR TEE EMPLOYEE OR AGENT RESroNSIBLE FOR
::ELIVERING TIlE MESSAGE TO THE IN':'E11DED RECIPIDrr YOU ARE aEREBY NOTIFIll:D THAT ANY
DISSE1':IN:ATrON, DISTR!BUT1QN OR COPYING OF THIS CO~ItJNlCATl:::N IS S:-RICTLY PROHIBITEO. IF
yo:; KA'>1E P.EA:l TIllS COMIlfUNlCATION !N EPJ<OR, PLElISE NO':'IFY US :::MMED!ATELY BY TKLEPHOl1E AND
P.EnrRN :-HE OR:G:NAL MESSAGE: TO US AT TIm AEOVE AZlDRESS VIA TEE U. S . POSTAl. SERVICE.
607 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
r .
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608 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
,- ,
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COUNTER Ol=FER No. C 1\ J 1 "~J It.. N 1 ....
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'by ~..-.d lor "'v1tipl. eou"".. one<.) ~-". 01' R.EAt..TOI~S1C
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Of ~e' eh, tHt:;;lr to !5oU'tor" .JICC"P'I'MCO.rv:t ec-~Ibon 0,># JU,X;.l)ptA.na::-o' nia ~'lItf'Ottrr. ~I revl>ke ""IS COvfJlDf' 000\. 1. .••.•
11'1 ~" . . tv . e~llitnn,,,:g '~~i1'Y. .,.h~ i:. p(r:,.oJ'tl\lIy 1(\',)~i'C!. \0 ,no. ~o~ fl"'IIU''''O "" ...~ Ctl>UntM' 0",:,1' or
.n _ ~\~~....... ~~ . -., ·.·.0-,000 p", On 1IW ....~ ~."..,. ,)Tic< ".,.. COu...., 01'<1'"
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4, c.....~~".) .. U~TI~U: C OlJN"~'A O"t". :iNl'rf ill t:"lol'"lr'lg n CO'Uf~IU' O".r'\J!I) 10 .. ,..r,t!"'Of~,.,.o "'uYO't~) 0'" lOITT""t: 0'0' lI'\,Qy Or ' .. ~ •
1T\AY nor e", (flO ~Ttlf AI. I~ " ' . , COVf9hlf on.. ~ ~op(Mnco ol..1he c.o",~r Ottor by 8u~" .hai n« De CllncJi,.,g ~'-"" .,,, u ' " k ., "
~auenU)' ro-S~..a ~ S~r I,. paruor4Dh r tlCIO"JW ~d ~rnrnurm:"'liDn ~ ~""'~ •.IIt ~"''"''noe II:!'- J'l"\aOO Df dokYoAng .. S~ Copt.
rfll n"fftCr'l. by 'Ntli Of I)y tIlC""""~" IiWlIt:f'\ 1)1 ~'~Of'l.alY flN:IW'fOCl. to 8VVQI or,o ~"\ ~ ~ ~ a J ,.,ioI.to .
U')G GOn\pltlol.OO 0' ,.'V:I or fr'l....c.u 'IN",nt~. ~,o( ;.,rrd S"'I~ ~"«IJf t)ctwv i'lO (Jvtl~ Of ~tlnu.na I\)r u. ....,.~ Vf ~ .. vi ..... ""4U1oJ'1,ay.
'- ACCE";';:;;C7J.;i~
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p.."a.:.I~ ) ~(){. J :1'\1' ' M",l\oUl\t ~ <:::Y'f\lr. n',,) \1rntr 01 Q\.IV'II'I'""' Pn.Jtl"lOrU"rO ~t"Ji 10 $tt¢SlqQ tn Pl1T:l.gr',P'\ .. ~ ~j~ f"OCO'IfJt cl N
S~ \.:~y (':0' ~ C04l~tef ~"t.,. c,n __ .~ ;da_), .. r . __ hWr-M,.
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609 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
,
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CAUFORNIA .
~_~ <: .\ I ; r iJ 1< " 1.\ RESIDENTIAL PURCHASE AGREEMENT
~ ~ A ~ t,; () \. l" i I c,l' AND JOINT ESCROW INSTRUCTIONS
~~ () f it r.... 1.1 lJ ~" F~r U. . W,t11 Slngl" F<>mlly Rnl<lll!Tlia1 Property -
(C.A.Ft. "orm m'A-CA. Rev~ 'OIO~)
~Ilxhed or O<rt:!ch&d
101' :J __ I. wittl
mhr"'ol of !i SOO % fix"" ,,"Ie. <>r 5 ROO % ini,;,\ adjlJiOl.ble noU! lO'iltl • mller11U"n inte1'est rorte
01 --.2.~ "'" balance due i~ jQ ye~ :>1T1OI'.tled OYr< 30 ye.~ Buyer .MII
pay \o;n r","lpoln15 not'o e,~od . (The.. tetms applywtJatn"rtt\e de.ign~""d 1-.
~IIE'<' Sh.1 oay % OI$COun! po,",". Seller 5hllli ~y otll.r lee. not all~ U> t>e ~d by Buyer,
iJ no' to ex",,"" 5 Son.. r!OM1l P'lY t~ coo.! r:I' lend.r ",q'-""'<llU~ir:s (indudlng
tho"" lor WVOC ollSll"Oy>ng pe<;l) I'lOl otherw~ prO\lKl..cl lor in th.. A~'rNnt, not '" exc:Hd
D
S _ _-_. IAa~allo.n lImO\l,;j rrrTY nouu if motlg;~ 't\SUtlIllOe premlUfTl$. f\lrlllillll
re...
or ~ing oos!ll are financed.}
.~ 167,000.00
P A[lOITJONA\. FINANCING TERMS, CJ ~I",r f,nancing,(C.A.R. Form SFA): ~ry fnancmg.
W
(CA.R. r'r:J(1'Tl-,'~ o-aral/fap/'l4Al: 0 =~ 6rtanong (CAR. Form PM. pafl'9raPh 461
---_ .. _ - ~-~-----'----------------
E. BALA~URCMAISE PRIC£ (nOllnr:ludlng COI<1a of otrIalnng """,,s ".-.:l ot1\M doslO{j a>s~) in H'e .mount 01' . S .137, 000, 00
to be dapoo.:re<l Wft:1 Escrow "'c"'.... within .lIffic1onl b~ to clOM •• erow
~ PURCHASE PRICE (TOTAL.): .. .. . .. .. " , . S )., 670.000,00
G' L.OAN APPL.!CATION3: Wllhln 7 (or Q ) Oays ",nat At.ccpUn~, Buy'" "'QIJ prtWldQ Soll..r .. IAltar from ~.cl8r 0' morlQJlljolClan
_ &tilling 1T\;\. basea on a review or BUyer'S millen app'catlon &rJ(j c;re<lt rej>M, &yer IS pr..,quaritllod Of pretIPPrtWed lor lhe NEW Io-n
,~;"'2CabCN.
H. VERIFICATION OF DO'I'I'N PAYMENT AIft) CLOSING COSTS: Buyer (or 8uyer's I<:nder or loan brolUlr pur.uan! 10 2GI sllall. will\ln
T (0.- 0 I Day. Mer "="""0«. p<o-ride Seller written ve<i~on Of &rye,'. (loor.rn payrn.. nt and ~O C05I$.
~OI\.H CO/lTlNGENCY REAlOYIIl.: III Wrtnin 11 (or 0 ) Dlrys Mer Ao::e~nc:e, Suyer shan. IS "PeClfied .. 1>1'agt:lpt114, ~
the lOan con~n9"ncy '" ancel ltns A9rOtf'l'lCl\l OR Iii) (if cllod<llO') 0 tnt loan e<>nl1O\lenl;Y sholl 'emat1 in ~ uml the desillnJU:od bans .'"
funded,
J. APPAAIS"L CONTINGENCY A~D REMOvAL" Th'1$ Agteflm8t1l ~ (~l( o-JtCl<e<l, 0 b NOn
contlnllent lIl'<'n the Propalt)' ;pp~ at r>o
1e.I.n.n rtl> .""",fled P\Jl'ctl<lIStO price. If IN,. lo~n c<>ntIl1gancy, iIII the limo lhe lean conlingency IS removed (or. ItdlllCUd. C3l wiU1il> 17 for
'l\
Cl __ - ) DlIY' Aller AlXlIptsnce/. Buyer .n ll$ spKiIled pahlgTlph 14B(:l~ ~ tl\Q "W1ll;...,1 oonl,,1O""oy or eanoet [hJs AQrermonl.
~ the<'e" no lo;;n cnnlingt011tY. BlIYl" ••-'B, .. ,.peclM<lln paragraph 14B(3). "'''''''''' rt-e ;pprI1s<I1 comingenq "";lhin 17 Co< I DI'Y'
AI\lI< ",,=pt.nC".
K. 0 NO LOAN CONTINGENCY (II ~). OOtlIf\log any \0;1. f) plragmen, 2C, 2D or el_~~ in Ihis A9~'li "NO'T • contingency otthis
Asfternem. If !luI"" does not ob"'in the loon ..nd u • _,,~ 6vyer does not purch_ ~ Pnoper1y. s..1~r may be 0Nil~ to euy..-'. aep~a a
ether ~g.r rll'1"ltldle$
L. 0 "u. CASH OFFER {II chedlcdl: No loan .. ~ to purena"" m" Property. 8,,1<'( iliaD. "",min? 1<>< 0 I Oay. A'-r AOC8~.
pfOVKk! se'llff wrrtten \,t~nr~lion ot svffioe'l"lt. +Un(l~ '0 ctose this tr~nsaetlQn.
3. CLOSING "'1'10 OCCl1F'~"'C'Y:
A. Bvyer ,""'rldS lor C doe, n9< ''lll>nd) to OoClJP~ r~ PIl:lpet1y "' auy9~ prrnary -iden=.
B s..ne--ocevpied or v;C'lnt plope~: Occupancy 9~11 be del;vD_110 Buyer 11 1Q IJl AM 0 PM. 0 on lJ'\c <:lat. of CIO>e Ot Escrow:
:J on .0' [J no I,ter t'lan _ Day.s liner C,C!e Of E5CJ'CJO<. (C ...... R.. Form P ~ h 2.) If b'.nll/e, a1 ti1JIo an<l
OCClJp;lncy do not O~u'.:11 ,,,., ....",., 'ome. Buyer aM Seli"r ... ad~ to: (I) en"', \ol'ft-te1l oo.;;upaney ""0.
BAd (il] conwtt 'Mth lhOv
,,,,,uranee .nd ~9BI ..dYl!W<'1
,.. .. ~l.MrJd,... VI'l.'\t.,~:H"'" 'jE>. C~I~U"lf ...--.:ourncrn.d
I"tt:'''t'''. UC1>On oJ __ f.:Ji(r, 0'
.....,,11". ~ I.X.;;IT'~
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=-.J.dtL'f1~~ ... "-t-()C&J':I0~ Ol=" "1i,AL TC~· ~ Il.l.l AfGo-l,. F;'-!'l~I:IYEO.
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RPA-CA REVlSEJ 101n (PAGE' Of' 81
: A~t: lOIvte Sa"".,n
I g,ej(Q~ G,dlfl'f3n!. Cn'fin Realtors
CALIFORNIA "gSIDENTIAL. PIJRCHASE AGR<q.'Q!I fRPA-CA PAGE 1
Phone: "'1014781835
1J33 Weqtwooo BlVd.
~ . . : tJ10~
Lacs. An!if&Hrs CA, 9002'
OJ: 81
P.-..par"" us,ng 'MNForT'lSS >OfNt;Ire i
610 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
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P:oCoer.y Adu,e:s~. :2.0" ;'l .... -'" ~-~,.. =c7E='y c" '- 'di ':)Q2J~' ::ate S~:nbt--, 2.10:1
c. T~""-3"'t-O<:C\.JP'ed p-rQ~rty: (i) PropeM')' s-h.all e.1: vaCilnt.at 'east 5 (or 0 J O.ayE Pnct' ~ C~se Of~, ~ otherwIse Igreed
'(\ ""rttn~ Ntr...r iC Sell9C": ~ you art' unable to ~flvf!'f Property V;If;;Jnt in ~ccordanc.e wtth rPfTt c.ontrol ~()d ~r iPP"IcabM Urw. you may
be ;n b,...gc.~ of ~h,& Ag~f:'rnt!"t
OR :' } : ~ .:;:r-:;~~:
;:J.aj~gr:lOr--. J ),
= T tor:ilm to rC'~~ In pGE.!H3'3:t1on TrJ:::: ~chBd adve-ndum l"S i."'lCC'rpc~ted rim th" Agl"9&l'T1e'nt (C.A..R Form PM.
OR I"i, (I~ ",es,eo; C Tn"" A9~",,,nl ~ conlJ~nl uoon Buyer SM Seiler enlenng 'Mlo a wrlt:en a~menl ~ming O=.lp4MC)' of the PrOlle'ly
wrt'"1ln ~ t!."ne ~ec.:1l'ed In oa r sgrClpt'11t.8{1) ,f no w:ltte1 ;:;gr&emQn~ \$ le~l!'<1 wUhan thtS h~, e1the1 BV)"Qr Of be-ller f'N!y cantri Hus AQfeernenf:
Ii"'! ~IUng
D. AI C:O!:e £Y ~~crc·,,!lI Se~ a~~ugns. 10 Buyer any astign3Cle w3rrsnty nghrs for It8ms u,CJlJt1ILtd in the sale .slld ~haH provlds ~rry availatJe Cop.e,
Oi SU:'h ......--.. iT::'1n~l~ 5rok~~ CBl"'ljot and '«II! net de1enTll(1~ the- ass~n.atJlrrty Of .ny ~fTaJ1\Jes
!., At Ct~ Of E~cre-, ·..Jr1~5 ~&r ...... lS~ a.gr&~ In writlr'lQ. S.Uer ,haff prO\lI(je kOty$ and/or means to Gpt!'roiiiJe .Illock~, mallboxe-1 secunty ~efTl'5:.
ql9rrns and 9~:r~9P door wenet$ 11 Property IS a CCl'\Cortllrium 01 \oca~ In 8 c.onYn(')I1 I,.,~~: s.~tx1rvt5i,on. BLlyer may oe reqUired to pay ~
oe~t te Tht HO".,.."","e", AssoCtBI>O~ rHOA! To Ob13if1 ....)I~ to a~ible HOA tacirru.
'" AllOCA iKJN OF COSTS (If ChecJol;ed): Unlos~ cP"l~rwi-se sPOCrfied h~. rhis paraQrapf'1 only determrnes. \IJho is to pay for N report. inGPection. ~
I)' ;;..c'V!CI" rnf'.'lloor'lt"'d If ,.,Ot s:>ec.~1'ed here Or al~tn"<lhere:n ~ Agreemcm. '\he oetprmin,.t.orl O'! who f$ l;> ~ay !or nn)' wor1( r&eOfT\,"r'lef'lid9'd Of iderrtTned
by acy sud' 'epo~ ",.peClJon. le,l 0' servICe Shall t>e by !tie motMdsoeeifled \11 O<l'ag"",h '~6r2J
A. WOOD DESTROYING PEST I'{SPECTIO"!:
1'1 C El.r(er 0 S<!llt!' Sh~11 pay lor an In,.pec;ion ,mc ,eport for wooa destroying pl?StIi ~nO orgo"",1Yl$ IRepon") Milch thall be ~.~
Oy _ _ - _.~___ , a reg'slered S1TL1ClUrlIl pest
com,o/ cocop"ny The R,.epart shaU CO,,",r (TIe BcceSS.,1e ~reas of !tie mil," bulJdlflg .,\d .m:ad>rod ot,uduras ;>nd, ij
checked [J pel2ched \/"'''9"s and Carporu, D delMched d~, 0 the Ioacw.ng Ol"llt S1T\>G4l..... or lI\'eas
_ _ _, ,'The ~pOtllhal!
riOt ,ncluOe root ::.ov~un;r-:;; tf Property ~ a i;OOoomnl\,lf'Tl or ~ in a CQfTImon IrweTt::.l woo",~ion Report shan ffidudc onty t:he ~e
Miptmue 1:l1e~~i ~nO any 13::ccLJ&I'lJe-UH 3~B5 b(tir\9 lr~~rred.and 5hlilll not ~ndl,;de common artt;;s. unle'as otnefWtH algfeed. V\Iater tests <if
Sh"",er pans on upper _ .." uMs rno y nol be performed withoUI con"""l '" the cWMrs of prooerly tlf:Jow ,he &hoWer
OR (2) ~ (If c:>«k<><l) Th" ohached aPdend"", (CA R. Form V\lPA) ,"Cardrng wood deslI'Oy,"!I pBSt in~on and alloc;iltion"'~Is ino>rpora1ed
tnte ~rH$ AgrIleornent
il. OIrlER INSPECTIONS AND REPORTS:
(11 0 Bu~r r"J selte' .ha',1 P<JY to nO"! septic or Privata sewlll'l <)ISPOUt SySUllTl$ inSpeClad.---: -- _
12} [) Buyer LJ
$.oller shall pay to have domestIC wells Ulsladfa, water pOla~~y and produCliv1!y _ _--:--: _
13) G ~~., I.l!I Selle' .n..O PbY ror ~ n~hJr:w hUAn:I 20M d'5CJO:tur. jJTcpollld by ..5!J..
:L.uge~ ",p.on
..jl,.uc,,1l1Jo:z,"-00-.sc~.L_~ ....,.-
(4) C Bu~r 0 Sellar wl1 P~y for 1M fcJrowlll9 rn~clI()n or ",,,,,r1
(5) 0 6<Jy'" 0 Sen", shOll PlY for tile lollowng inspealon or re;lOtl --:---: --'_ _.,-_
C. GOV£R~lIIENT REQUIREMENTS AND RI!iROFrr:
(1J 0 Buyer C'1l :;"II",r shaH pay 10r smo~ ""t..aor 1I\$Uliallor\ lar\dlor wotor hMatar br.:lctlg. If "'Qu.-ed OV Law. Prtor 10 Cloee Of &croiw, Seuer
SohaU provtOll! BV)'e1' a wr~n &Qtafnent or COfl\.Olianoe in aecordllnca wim &t2tfo i1nd ~l ~ UI"tless eX8mOt.
(2) [J 8uye-. W SellV .hil"
pay f~ <>Jot <Jf Compflll""" wtU\ any _
,..p~ ~ reqlJired ;os a et:od~ion of cJC6"'" ~ unO or ~ny l.:rw.
lTIinornum ","""alory gOvtJrnrnenl retrQl!1 st.. cIall:b, 1nlll).etI!lM5 ;anO
----- _
. D. ESCROW AND TITLE: , ..
~ 11) [:sl Bu}"" [Jll Seller $MII P.y ~ow foe ~1J./:..2'__'b"'''"yarl!!!!&_.....ij;Q'''dL..l'"/L.2''_M.:<·§LlldJ~e.r= _
ESClOoN Moicler "".,1 0. lilJ~e~~ -.". -,-,, -,-,,_ _--,-- -:-:, -
(2) 0 Buyer ail ~Iler ol)aH p;>y 10r owner's ):tle inwr.mc" pollcy .peGi/i.d in PM"9reph .12 g,..;l;§d T1 (;1<9 C;P!I'Z?-Ipy!2'ony ca~_
Owner'l Me policy te be "vee! by _--,,_,--
(Buy'" 'haD pay In' any ttlle i"5ure~ oolq insutlno !lvyer" I.. nder, unl~ ~",,_ agree<:! itI """long,)
5..
m 050-'1"" 0 Seier shall vey fa< =-:-::..,-::~_=_=-__===
ST ATUTOR1' OISCLOSURES (.,.CLUDING UtA O·!5A5etl PAIIl1' HA2AFlO DISCLOSUReS) AND C .... NCEl..L.ATlON RJGl-iTS:
__:_::==_===:__=_=_:__=__:_=====:_-----
A. (1) s.Jltr shall, Within Ih. lime specjr"", in p~ra9 ...ph '4A. c!elwr to Buyer, if rOQ~1red by Wow. III Feder.. Leod-BM1Od Paint CieGlow.... and
p.rnp_ n ... d o"Gl"~u·,,_'-); Ina Iii) d,.dosUJ"" or nOl.iCa5 ,cculled by oe<:ti<>ns 11 G2 et ~' and' 103 d $<:q, 01 the CaIitOfTI<a CIvil CoM
rSt"ulory {}:\Clo>uresl. StatuIat'( DSdOliu," rndulle, ~vt are not IIrruted 10," Real E~ TrorlS1'" 06Closurt' SUI\eJT1tn1 C'TPSi, Naural
fiu;lrn Oisclo~ure Stel"merrt (·Nr40i. nol;~ or actu.1 kJ10wilKlga 01 reieJlu 01 Ile'Qal <:onuoHad &UbsUr'>ce. notice of ~pe~ tax _
O~ll'> •• monl. (or iT ""C'Weo, ""t:lS(Bnliatiy equi'o'Qil!nt notice regarding me Mello-lloC$ Cornmunit;, F.d1..." Aet and ~11l 9ont:I Ad of
'9'51 md ff Sooiler hM Qo;1UQll<nowtedge, in inQuslJia\ UH ana miWbry oranenc:e Io<;atjon discJ05~. (CAR. FOffil SSD).
Il) Buye'shaU "ilnll fll4l ticn. sp""rfi~ ,n O<lf<lgraph 14B[1). "'turn Sigr>e<l Cople, et The SleMor)' .00 L....d O",c1csu,.. tI:l Srller.
(3) in I,.., "",enf S~lIer. prior tn CI<>&e Of E"""ow. be""""'" ""'...
of ";oe'W oonditro"" ""'tenal/)' afteaJ"9 the Prope<jy. Of any ma~',al
,nlccvraty ,n ~c;o,ure~, Inform.!'on e< reprnenlatooru pr8\I1O\f5ly p=icled lr> Buyor r:II wh/cn Iluy..- .. o~~ tJnrNare, SellI!f shall
•...., "0_ • '"""""" ~'or.~"'''
shailllct
<fl&CtQfi,(,.l1'P
"~~". "' ,..~.
be f"E'QI.J~red
C:Ol1dftionc. .nd
" .-,. ~""" _~repott:&
lnaccuracios
. ~
on:J.ta d J:aid for
W...........
' 0 _Buy.,.
r'n:Iten~1 d5el~d JI1 ~
Buyer'S 1M..,"
6e'le('5 Inl~8ts (
( ( ) Gl
=
CoovrOrll ~ Ho~1 :;'Dti? CAL,rDRNI.... .c....<:;SOClATlQN OF ~!A .. TG~ NC I • ) ( )
I
RPA-C" R£YlSEO 1OJOZ IPAGE 2 O~ B) . R~ by om- , ~==:
C..,LlfORNIA F.ESJDENTlAL PURCKASE AGREEMENT (RPJ-CA PAGl': 2 OF' II) T~ZA92..J~.L!'>'
611 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
, ~~ Jj
~.:;'(~ h~
'''I~'7!")ona
~u' __ , _ tJ ,5;·:2
_ _ ........... ,
.~'055'F::31 ~~RA . ~W p,c":;E OS
;;I~O 271 4834; 5,,",22.04
_~ ,-,~i'O'
3;51PM; "AG!: 4 i 15
j4) If any dl~C'O!-l,r~ or '"01Cl' !t;:.t":iJne::l "i 5A{ 1 1 cr !>1JbseQ:...J~nt ot' ~rT'lfllndAd d.fIU:l.:ls ....re or l':otJ<::;e tS oe:--."'Ared to Buyer B~ ':he otle-r ~s S~!::'d.
tlJ'>"rr 50htl il t)J\I~ IhS rtgf'\: :0 canCQlll":tS Ag~er1e'f'11 wi'.hln 3 DiIY& Ahe-r delrvery In ~O:"l, ::( 5 'J0tV'S Afler d~:fYero; by ()<epos¢ in ~ mar ::ry
g.,,:r.g vw:"Ufen noll;:.s 01 c.':I"'lC~1l8HC'"llc Seller or Selier~ ~ger'lt. (Lead DI$d05lJT'eS sen~ by ..... ai! r1:..:st be s,e-nt eenlfleo mell o~ tlett-er.\
5: 1'-t:rb' to Buyer OJnd Selt&r. W;llyer of ~tat\Jtery and L.e..iJC Oisch:"Gu~ i5 prohfbit.eo by Law. '
2 NA ~UR).L AHO ENYII'lO'""'ENTA~ HAZARDS'. VIilthin I." I"", SPeclfJed ,n pO'''9'1lph 14. S<4!e, sha~. ~ r"'lu red by Uno! (I) o......,.,r \0 Buy..
@~rt.l"-Gl.Hlkt r]0tdi'S (~nd Q'Jesr;cnnalrc) aM e-,,'~'~nmgntal ~rd~ book)et: (Ii) ~n i e.rernOl ~m tile o::,192tiOr'l 'ttl prQlTQe 9 NHD, d;~e rl1he
D"o;:erty IS lOcated In d SceC'.Ql FlooO HU~d • .ritS· Poter-Hal rk>odli1g fln,mdatlon} NeE. Veroy High f=~ Hazard Zone; S~1e: J:;re ROSD::U"sibil,ty
A.f E': 01' E8rthou3ke F3uJl Zone Se-\:S.'YlIC H"Z~ro Zone: and (l)i1 d\.Sdose eny Otr')9f ~o,.,e .s: re-qulred 0'1 Law and ~rovlde .flY c!t)et .nfOm1:ahcn
r~~QUtl'ea jot" !hose 20n~
C. DATA eASE: DISCLOSLRE! 'lCTlCc T,o' C.b~ml:l DeP"'tment of Juoiica. so~riff, oec.rtments. p<l'<>e CleP3rtmen~ MtNlI1g jun:s<J;ct1on, of
')'):).000 .::r 'T'll"lr~ and rr:~(\y ~t7J'"'~ 10:;;'; i13w enjorcer.1~nt .;uthorii.es maintain "or put>lx: ;l~S " cata !:::4~ of tt10 lO:::illJQns 0' per$Ol'JS reqU.l'ted to
-r>g"sW?r ;;>..1rsu~nr tn ~:lra9rapn i ~! 01 ~LQdl'-IlSJ,:)I" (a) cf Section :290.4 01 the Pe!"'n:!l Code. The da1'3 b~~ is ~at...-d or, .. qu~~rty t.a$.ts 4iF1d •
$0'J1"""....,e ~j InforrTlt'tlon eitxlu: the ~re-~~ c, ~ IT'IdJ'~d,.!a.lt iJ1 ,ny nelghbort'lood The C't1Pd~nt of Just!~ als.o m.1l1'tfabs ~ Sex Q~ncer
<)er'it~carl0l"1 Llr'< ~h(au9h whlcn Inqu..,1Id"::> C!oclJl1Tld1vlduab rTlo1iy or. IT'.ade. Th~ IS. CI "SOO' ~l@phO'1e- !''-'fVlCIl'. C3H~f':!, rnu~t hEW9 GPeCifj(. lr:fcrmauol'l
Jt'OL1, IOOr'.nd·..... JS lil(oty ;Jr2 CheC\q....lg. l"formatloOn reg:Udil"'lg If.9fQ'''bcmDOd91:.' nol a'Jdltabioe tnr.:;..u.gh ttl!: -900· {elephone SoeI"VK::le.
A. SFLLER HAS; 7 for:--1 _ _ . 1 Days Ane-r AcoePQno:;e ro dl~c$e to 8uysr """a~er !'t1e Pro,06fty 1$ a alndornmium OJ ts lQC.::8ted Y"; a
C'!anr-:ed ,•.,:,nl: aevelOpmenf or ot.."Q( cornmon :r1rOrBct SUbdlV1sion (CAR. Fol"TJ' S$O).
6. It one Pr:;,:>e1tY ii a cond.:rr'"':lnium or IS 10catrj In a D~nned Uillt 09Ye\(JpfTlent or other common interest 9lJ..:lONIlSKJn", seh:r tn6 3 {or 0 )
0..;5 Allar ACDtplanc<> 10 requ&S! from the HO,," rCAI'< Fo<m HOAj. (I) Copies ol.ny <locw=n19 reQwed by Law: (;1) d;so<>sur" of ~y pending
or an~elp;:lled ""aim Of >t'9~t,<Y1 by cr a;~,nS1lhe H().o\: (1111 " obtemenl c.ontair>ing tIHl loeotion "r<l number aI d~lQnate<l o"nung .na srorage
<C'~~: '''1') COpre. of the most ",cent 12 months of tiOA minutes lor '69""r _no ~ .., meellc9s' and Ivl !l>e names 81l<l C<lrrtllct ",for",,";on of
;1/1 H0A3 gOVilmng Ihe P'cpe~y ICO'edrv"\y ·C: OISCJo<'luen ""/lor ~8J ;\em"e and dehver te Buy.r ali CI D<sdosu.... """''''ed
'from Ih~ HO'"
;;nd .any c.;1 Ol:idasures In S-t:ller s pOs.ses,rOrl. Buyer's ilPPtV"Vel ofCI Ob-c:lOSUfQiS i$;I C:Oobn-pency of H,,~ A9~nt as ,pec:ifJ.td ff'I ~r.il9~p" 14
GONOfTlCNS AFFECTING PROPERTY:
Bvyor& In".... ~!Olll'tion rI9~: (ii} ~ P"'P"rtY. inclUdong pool, '''•. ~eaP'ng and \IroundS, is 10 be mantalne<l in ,subo18nliolly the same
""edition .,. "" the d~l<! of Aecept.n",,; ano (iii' "I debr~ lind penonel proPerty ncr ir>ctu08<l in tne s:lill sn;,R be rett'Oved by Cio<le 01 bacw
B. SEU.ER SHALL, wit"ln the ,,~ <pec,lipd m p""'S.... ph 14A. DISCLOSE )<;/'KlWN MJ. TERlAL FACTS AND DEFECTS alfecti"9 li>P
Pro!'&rty. including kno- insurance c1.;= w1Ihm the p<l91 Ihr. 1...... AND MAKE OTHER DISCLOSURES Rl;QUIREO liY LAW (CAR.
Foml SSO).
C. NOTE 'TO BUYER 1"0<1 .... Slro~ .:letvl3ed to COr'ldUell"""stiOlltions of ltle enli... F>ropr>ny in "rdow 10 <let"rmirw I~ P.... er1I conlfltion
$1 nc. S+Aer may not M WYnr1!' of ~It defe-cu. aHf,eting the Proporry or other ta.etora 'thiYt you Cl:ln.. fder Important. Property ;mprg:v.J"t1entS.
may not be bulll.:lccordmg 10 COde. In compfi"na wlttJ currem Law. or rovo Ila<l petrnJlS 189"-'
O. WOT!'. TO S~L\..ER: Buy.... hal; 11M right to '~eM Pn>p4H'l)' :and, "" specJflot<I in """"lIraPh ;.8. b:tSed upon mtorrt'Qflon <li.~ In
lh~ \Il$pe<:llons: Ii) c..n",,1 th'. Agr. .mcnt; 01' Iii) r<><IU"l ttloIt you m~ Repolrs Qr t;l~. other ;;action.
e. ITEMS INCUJOf:O M,D EXCLUDED:
A. NOTE TO BUYER AND SeLLEFt: lrems 1ISlt'<' as r'lC!udlKl or •• cluoee in 1tle MLS. ~t> or ,""I'1<e~ng ""'t.erial!ll\!~ nat indvoe<l in !l,. purehaSlt
pn"" or e,Cluaeo from the tiPle un",s~ specl1etl In SB or C.
9. rrtMS INC..UoEO IN SALE:
11) All EXISl'ING fixturr.; and rittlnqs /hal ore att.ctJeO to the Property;
(z) E:tJsn"" elecuical. TT\..et\.""", I. liQhtl'lg. ptumbinQ V1d heiJI<ng fixtvrM. ~iling f...... fllepla.,. In""lts.. gaa logo ond ~. Solar ~r-;tems.
ouMn .ppliinee5<. WIndow :lnd 0Q.t>r $Greens. IWf'lings. s.hulten, window COYerlngc. attaChed fto.or cowr-nr'\Q5, t!I~~ antenna" salftJ~
dIShes. prtVllto i."\t~rated teleohone .yste!l'1$ .iI' co~""co.,,;jitone~ POOVSP8 ~lp""'flL g.~e ooor oDeners!r"mote C*llrols. mailbOll.
101_.,.,
rn"'lI'und l~ne'C1p:ng. treu!>hrub•. "",I." ooI\eners, WlIler p. rifle", , ucurtly '~l'Il$/a';>l'mS: end
(31 The ,lems -- _
(4) ~ repr .."",. InQr all .ern; '"ClUdell m th<' ~~ pnu, unillSa DlIlMWiH ap.arlOld, .,. ownI'd by Seller.
15) ,IJ1 lie"'" .ne>Jded IMl t>e u;m.ll>r",a "."., of hen~ and wt/>OUI S<!IlIn WlItn1nty.
9 BUYE R'S INVESTIGA rICH OF PROPERTY ANO IAA. TTl:R5 A~Ff.CTlHG PROPERTY:
A. B\lY0'-& a~pt:>na of '''9 condition of and any c>tINlI "",ntf sffeding the Proplrrty. s • contlng"""Y of thlt Ag~t ao .pecifled In this
p.ri!1lroph and para~l.ph 146. Wrtn", tile lme ~p"c:Jfted In paragraph '~B(1), Iluyer sheri h""'" the .... hl. al euy~(S e),'~nse ""less o~,-....
agrceO, 10 r.onouc! ,n~aJon•. in'<1>S!'9nons. test5, s"rvvyo; ,no Qlher .!"oies rBuyer ln~tig..lio<t$-). including. but not Iom;tI:<l Ul. the right to: Ii)
,o~pea lor leeO-lla,<>d ;:>alnT and clhar ie=l-oillO'<! pai'll n.=os: (If) in~ lor wood deSiTOylng pests "nd organISms; (iiil re._ ltl4 .-g~~
.... ofIoMcr oal.D..."; fiv) conlrrm !he "",vr.l>HiIy 0' 1llJl'Rl' 'nd th<' Proper'ly; .nd (v) .:oIl.1y 5uyer a. 10 3<1Y mab, spe,,"~ iI'l It- ~
I'lvy..... I~clloo AdvIsory (CA R Fcrm SlA). VV1thoul s.u....-. priCl wntten co~nt. euyer .~~II nell!lltr make nor CIIU" 10 ~ med.,; (I) 11\"''''''
pr oe.wc1". Buy.r Invest'9abon" or un
inspedJOrG I)y any go~rnmernal bu,lding 01' U>nlnO in~ Of goova,""",nl unlit.. ~lJited employe".
by ~aw·
e. 8lly!:r 3hafJ '=Q~lttIe f'uyQf In"@st~lrtJOns Q1'ld, 8:io ~~ in par~r;iph 148 remove ttl_ CC1nttngency or ca~J thd. Agreemtll"'lt. Buyer -,,_1\ 9"
Seller at no coSt. """...,...", CoP~' 01 on Buyer InWlSliQaIion reports _",ned by Bvyor. Selillr sM. I makl> 1M PrOP'l'rty a"""able for all BlIYef
Inwsl'9"ions. S.1I.r 3h~V have w.,'"
wa~ eledricly and U op"",ble puC! h""to on tor Buyers 1~'W9aty"bons ,,"'d through the d"le pocseMrOtl e
m"d" avo'loble ~ Bu~r ~
Buye1 In·l",l. \.1 ( ._.
~
j
Sel"'~, Inn",," ( )( I
\-
a,
?"7)''''9~ II;: ~Q\l' .200: CAll~ORN;A ASSOCI':"1101'4 O~ flC,.L TOR&fI: INC I
RP~.C'" REVISE;) 1 iliC" {i"AGE 3 OF R_ _ "" 0.1. ~~
CAi..IFO~NIA RESIDENTIAL PURCHASE AGFlEcMEI'lT (RP"·CA ~.Gf 3 OF~) TEl~~l30.7.r.x
612 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~~
~.-::X y\~ . A
le,'==/2Jea
0:0'" 01;
15:42
l.:j'-L,,'r::.L~ EM;. ~'e55B7~31
PAGE
(17
5:~ 5
10. REPAIRS. Re~.3\."!> 9'h.:tli be c,ont)let!'d ~~Ior :0 final ~nf1cahon ~ condl[IO,", unleSS othCrM~ rtgnaeo if"! W'TT••.mS;;. Repal~ ttl t)Q ~l'T1'lf80 at S~I~, ~
e):;>erb~ ~y be pertD r ·"i1eo Or Selh~~:r cr :nrougn CU"IeM50. O"Uvdec:llh8t [t"le ¥'Vcr)\. eOl":'ip~~ W1th a;::PDble l..~. lfl~dlt't~ gO'Wl rrtn'lpr. ttl I PClTr.rt m9t)&ctlon
:ilt'lC apbfo"a, realNem!','~~ R~pel.~s sl-1aU De "er10'~I"'C' 11'1 .. good. skJr~h.1 nan~e-r 'o'iltn rTl2iet.alS C1 QUiillrt)' end s.ppearal'Ce COC'riP.#~bWt to e'105Hng
~t~ la}~, ~! '5 :.;r,-de·slo......'""'Cl '!t",s1 e)(3Ct fQt'....er~ton Cit appea~ or CC'Sl"T'e.tlC t.ems fCI~W'lr\g !l~ R8C~ may not bfI po6-slble. S~IM!r .r;;h.41Il {I) C'::lt,;,in
rcCe.lpt~ lor F9pal1'$. ~~rfom;ed by other~ (Ii] prepare 9 written Sfar~nt tndic;Jt~ 'h" Re.oai~ partOm"led by Sewer and t~ d~t2 0' such ~p:afrs.. ane
(iil) pfC'~d~ CODIeS cr fece.o~ 3nd S~If3~nt$ to Buyer p;Jor to f,1'\;IIJl:':rWlcall~ 01 cor-orton,
11. ElJY£R ,NCEM>lIn' AND 5El.'-ER "ROTECTION FOR ENTRY UPON PROPERTY, 6"yer stull: (i) ke>ep t~ Property lJee an<! Clear a1 oer\$. (ii)
Reo~"r all d.r)_~ a..''51~ from BU)ltI'f 1,~ve$L9~tIO~1. ana (lli) tnderr.nlfy.i"lCt hold Se/,jef niirm\Elss tro,T) at! 'esu!Ung loabi'It'y, c1airT'l':l. derr'e.nds, dama~.,
ana CC~~, BLJYer SJ'!:lJl :iJ "I , or Bu~~r s,'lall ~qUl(~ ..nYOM ~cnr:q on Bl'yer-'S i>tt!":atf to Cdrty, OC.bC'e5 of I.Bbmty, WC'rk.Qrs· c.omoensabon ano Otner
i'lDOlIe;tGllil I~Sur~")~ ete~""'lon9 erd P(D~et,r.3 ~I~r !'rom liabt1Jty for BOY ~u,'-es to P'\:is·(m, C( cruptrfty co:::urr~g dur'rl9 any Buyel 'nvesUgatJon$ 0<
w~~ ~c>.,e cr. trll? P~p€'-:V at Buye(~ d r reC1oC,- ,enur to Clcs.& Of E.SCTOY't Serle'r B :ld.,.,j;.Qd that certain Pf"?;po:ion$ rT'Qy bt!. .. Hord!'!d Seller by recording iJ
Not~ ,:)' Non·respol"!;Ib;liry· (C A R. Form NNR) for 8uyer In~.Q'tan5 .fvj '."lor)' cone: on tnt Pr;lDert"y .-t Buye('50 djf"1l.CjllQr. BU)fer's CbW9B.:H)f·'i~
\J1)(1er t,"'lL.;; NHa~rapt'l sl"1all survrve tf'H!ll-t-l"mtrulbon 01' tnls AQreernet\l
12 -mE A~O VCS'rI"lG'
A 'I.:\!.1'Jn lfle tHne ~;:-.ecfied In rn-lrli~raph 14 Buyer ShOlll be provided 8 curren1 prehm,,"al')' {tibe) r.epQrt whiCh i' Dnry ~n of+e( try tile lith! ll"l5u'e' ~o
:f,~>Je 13 colIC) c~ tHIe J{l$Ur~nc. ard may not CCf":UIU) e",1t"Y ilem a1'Jreetir:;; t1tI~ e ... yer's ,~lew!'J1 t ....e pl'SI:mtrlary reoort and any 0lher m..1U.rs ~Ich
~ c:":'ec Ltl~ (ilt!':' ;:onlngency ~ ~nl~ A2reemer,t .1.$ Sp&Ci~d !fl p;.:agr.:ph 146
B Tr"Je ,:r; t;nl.B!". j'1 ItS p."\1s;er;~ conditIon ~bje.:t to all rncumt:lrance~, e.a~menIS. co .... enants. condtJo""~, J&Bmat¢"s. '9"'19 et'lO O!1"ler :-no!t~~ 'NtN;>t1:er
IJf (eco,-: or not as :Jf The Qe:e 01 Ace;e.ptar'JC* except, {I} monetary lJe'l:5 at recoro un~ Bl.Jy'ir is ~s.urmng !hose obl~ons 01 t,ak.rng t~ Prooe-rtv
subject to those oblig3t10ns: ard (ii) l/'lOSE ma[ters wtuc:h S8JJer has agf"t:::ad 1'0 remcV'8 In wnhnt:;. '
C. IN,:hin Me ILlTV' weo;,od In p'~g",ph 14,... S"lI<fr h~' a duty 10 o,scIOSe 10 Buyer aU_tte" koown to S<!ll..... H<!octng tIlle. wI1eltll' 0' n><»rd or 00\
O. At Close or
Escrow Buyer shad receivt' a gran( dee<:1 COnv8y1ng 1:rtje (e-. for stock COOO'e'nlCNe or lon;-utrm 'lea&e. an ~ntTlef'J\ of 'StoQ(
ce-rti'ic.alt:: or ~ ::.e~r '5 Jea3t"halc lnte,"~-l), incW,ng oil. mir'H:'ral and wale1 r~ht5 if current~ owne,.O by Srler. TItle ~heW '{~t ~ d.e~fgn;Jte<1 III
Bu~. s"llp,emental escrow '~Iructio'" 1l-IE I\IANNER OF TAKING TITLE I'MY HAVE SIGNIFICANT ~=GAl AND 7.&JC CONSEOUENCES
C:ONSUlT AA APPROPRIATE PROFE SSJOf'V.I..
E. Buyer 3n.8ll recer.oe.a CL iA.iAl TA I"iorneowtler, Policy of Ttt1e In~LJrance. A title C,:,mp-any, et 8u~s request. C8n ()rovlde mformarion. about tne
.IJBII~lJt}'. oe$J~billty. cove-raQ& :Jnd east at VanollS t_1e insurance r..avsr.ages ana endorsements. If Buyer oD-Sire~ tltte OO'riragoe other than t"1i't
,~r,.Q bY 111", paraglaph, Buyer sh~1I Instn.JCI ESCfC>W Hold"" In wri1in~ and Pay any ~ in 00.1.
1~. SALE OF 6\.IYE:'R'S PQOf>EIHY'
A. ThIS Ag_mffnt I~ NOT contlno"nl upon ~e $llie of .any prop&rty owne<l by 9uyer
OR a 0 (1/ ,neckedJ: The .l'.:lcr<.c: add!>'>Cum (C.A R Form COP) le~~rOing Vle oonUngency lor me Sa'" of properly owNIl by £lJy~r ,,~ inalrpOl1ibnl
"1110 Ih~'A9~e.e~nt .
14_ nMI;. PERIODS: REMOVAL Of' CONTlNGENClESi CANCELi..A. TION RIGHTS: T~ Ic>llowt"ll tlmo perio<l$ may only b. . . . . .ded, "I»red,
modlfle<l or C ~ by m ~ ...,.,ncn bQr.em.nL ANy ..."ovllof cootln<;encles or """e"ltallon under lftilI p~"'Ph muon btl in writing
(eA.Fl. Fom'I CR). .
A: SE!...cER HAS: 7 {01" CJ )
Day, Abr AcCllOcanee to delive' 10 a'Jyer all noports. d'sclosures "na inlorm.nlon for whith Seller ~
rotSQon.. blll \moer p"r.ograp~.~. SA 000 8.!IA. 7B ane 12. -'
S- i11 ElUYER HAS: 17 lor ~ l Cays A'Ircr Aec:epanoe. uMe•• otnerwi:le ~9tee<l In wrtling. 10;
Ii} ~t .w BlI)'e< Im<estglltlons: "Po""'" all disclosure,;. repcm and nlher appIieaOl¢ ;nlcnna';on • ...,IC/l Buyer reoelvQ frgm S .....: an<!
~n prOY1l all ma~ .atredng ltle "ropeny rmclUOlng lead-baaed p.'"
ano leOd-b-ed paint haurd. ", "'ell ~ orner inlormalJon specifIed in
par_grepn ~ ana "'"~OJr.ry or SUyer and the Properly); N'~
~a) 'etum to sel/er 5'9ned Cov'"" of St.abJrory aTltl ~lld O~cIo"""es ool.ve"'" by Serler io '":C«tlanor with Pi~~ ~
m Wlttlln ttle tVI'e specJriI!JC" 1~e( 1). 6vyer m;T)' reqUIl:n tlUt SGlIer make rvp.,/!; Dr toIlItI lltly oltIQr actlon regaldinll h p,ope!tjI (C.A R. Form
I'lR 1. 5e1i4lf n~> nO oblig~IDn to -slre« 10 or ",spond 1D Buyt(s ""lues!!.
(3) Ely ,ne ~n<l 01 the litre .pecif"", In 1411(1) ~or 21 to< Io;on conbngency Of 2.J for ;lPpt.a~ contingency), Buyer Shall. '" "'&.9. remove the
~ppiiC3b1e ~geney ,CA.R FoTfT' CR} ()I canal thia A9r~nl H~el, if 1l1~ 1011"""'9 Inspection:!, reports Of d~los"",s are nol rnaoo,
,,~h'" tr\~ Irrr. ..,.,cif\ed In 14A. lI\co awer has 5 lor 0 ) Days wr I",=",ipl of -IlY 3Ucn ~~, l>' t~ lim. ~cif1o!a in
'4BPi. whlCh"""r is later. 10 fltn10ve tM apph""bie oontlngeocy or "",.,cerlh.,., ~nt in """I\ng; (I) gowemmanl-m:ondJlll'd IllspeCllOnS or
reoono. ~ as e eond~ion Q'
ck>s",g; or In) Common lra..r=\l Dis<;Iosure. Pon.u&I'It 10 paragr.pn 158.
C, <;ONTI Nl)A nON Of CONTINGENCY OR CONTRACTUAL OBUGATlON; SCU-E.Il RtOOT TO CAlIICEL:
t1} Seller rigntl1> ~I; Buyer CorJlngencionl: Se"er, "n"r fltl!l glw,"!I Buyer. Nolice 1tl BllY'" to Pet10lTTl (as specified ~1l1W), may can"'l
thr. Ag",emem in -...r>lIng aM ..uthonze ~m 01 B\lJ'l!~S <lePD6it ~. by the lime $peCll'ied in thi. Agr~enl. ~yer doea not ~mcw in ""lllng
tt>e "ppScablll OJn~ngency or can~ !hi. A,g~m.,"t. Once ,,~ rnnltflgenc\~. have oeen removed. fg~ure 01 either 8V)11f or set... to C!<l$e
.""OW on time may be "bfeacll ollh. ~~ol
(2) ConUn.ntion of Conu"llfl'1cy: Evon aller the """iration afth. lime .pecihe<l In 146<1). Burer ,..,.Ios the right 10 INke _ ....n: to Seller.
remove in "nMS m.. ~""'ble cont,"98\C)r or <:.oneef!tll$ Agr....mem ""til Seller cancelS ""rn""nt 10 HC(1)_ Once S91~ '-'11M Buy_I',;
"" n r.mova! 01.U con~ngenc<es. &Olle' rn3y not CllnClll1tllS Ail_mom pursuan' to 1aC(1).
(3) Stoll right 10 C~nUI; Soy.r Contr.ct Obllgat"'",.: SalIN, alter IN'S! giv"'9 Buyer II Nclioe 10 8lJyer to P.rtOml fa apeci~ bc\ow). may
umceJ thIS Ag~ in wr,ting .ana .LlJI>oIl:U return 01 Byyet'~ OeOOSlt 101 any of ~~ IoIIoW'Mq "'a&OflS: (lllIBuyer !lois to deposit funds f.$
r.'lU'~ by 2.A or 26. (II) IT tr>e lUf10S CleP05tled purs~arrt 10 2A or 28 ar& oal g<:.od when OeDO!lted; (iii) t ~r falb to IYOVlae a Jelref lIS
reQu'red by 28: (IV) If BU)'~ talis 10 provlOe ~rflCation ~ requlled by 21-1 or 2l: I"') If seller rea«Jr>ably clis<tpproves o11~ v~ri1lC9tior. ~rt7VTOed
by 2H Of 2L. Ivli :f BlI)"Ir fai"
lD ~t"rn Sblutory al'>d Lean D-~OSL'",' "" leQUJIPd by paragraph SJIlzr or (vii) If Buyer Ids to :sign or Initial;a
,e""raIl> Illul""l~d o.......g. ~o ..... lor ,,~ incre....d DePosit 3S ""l"'red b, p. ragr:>ph 16. s.a.loor ;,. not .-.<juired to give Buytt' • NotJu to
p..rform f"&'ga,.dng ClC5of: at E.3crow.
(4) No1;eo r" Eluy..' To Pe.io<n" The No«:e to Buy.... !D Perlt>1TT' (CA R. For'" "'BP) sh.alt (iJ be in wMJng; Pi) be oigne<l oy Seier; aod Wi) g've
2uyer .tlUSl U (or U '*
) hour> (or ynlillhe time 5oeClf"'d It1 I"" applreaole t>ll",g"'~h. W~""""9r ~I) fo lllk. Ihe "PP.COlble
act lor A N/XIC8 lo Eh,ryef to PO'rtorr":"'l m2Y 1.;.1 be ~ven any ~a(lItrr .hart 2 Day:,. Pnor to t1le e:qmBnor.
• caotd'gency '" caocel tnlS Agree"",ctt or mt'81 ~ HCl3' oIlhgsllon Buyers In""ts (
SeDer's
)(
lnltJttl) ( ) (
)
)
12t
plioca~ trnft. for 6uyvt to f1!'move
==
~(lp"'n9r'J: e '9'('·2:)02, c.,....l!rGRN A A~OCLA.TlON i
DF' REAl '7OP.S4P, lr-K:
RPA-CA ReVISED 10102 (PAGE ~ OF SJ . ~ by ~ r.:'n=
CAL!FCRNrA p.ESIO£NnAL PURCHASE AGREEME.'-' (RPA-CA PAGI': .. OF 8) T6~89210.l.f'\(
'1
613 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
t:::.( "'-. <tf' /
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] 8 / 22/::'£'£)4
D'. C"JLu'~~_ t>;\"'e
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88
o EFcECT OF BUYE,l:;:'S REMOVA.l Or CONTINGENCIES; If eliyer re-'TIJ""'= . ., wl11JMg, Oilr'ty C-O:lllr'!geney or e<::rCCll.sllOn 1'9~. uf'l~ oll1c;rw.se
'5Dec.fieo Fl a .?~o3r3te w"~n ~9;~ment t>c~n Buyer and seHer. BlJYf:r Sh2U COI'lClrJ"I~!Y b+: oe@>med 10 hdlJ! (~~ CDmpteted ~rt. Bvyel
~,l\'e!;~~hoI11. .lnC "tYIe'\N{lF ·eporis .;l,f1d otne;( a:)prx:aDle :nto~N>n B'.d dl~CJQ:S,L:r?S pert_n..ng ~ :hat O:)I'ltln~ncy or cencenBlion r~ht (~l) @1..6lC1l?O
~::.
p;ccceo w:'tr'! r:-te r-:--an,.cncn ...no IILl) assu:"'rIeC an habilty, (9:Spons.It:,I~,. ii11'\d e.x,c!.'flse: b Repairs or correG::JonE ;Je.'t-dtllflQ to lhOilt CO'l'tmg&flC~ ~r
CflnC6iJ,ftt~r right. or ~r ,na.Diuty to OOttll" m8nong
E. EFFECT OF CANGELU'iICN ON GEPOOITS, If Buyer or seller Qives \1I;;llI8n notlCll cf ClInC<l:laIIOn put'li1.lanl to ngnts duly e><en;:SeO under ~
~'rrs 01 1"'5 A?",,,"'eM. Beyer and Stll.r agree Ie· 5'9" rnuw.1 In.hJClIOns 10 C<t"Oli \"" 3a~ and <W;rt:m and ·ele."" oeo;)=- i~ tees ."<J
w~ to the ;>.rty er.Nled 10 'he tunl1' Fees and COSts nay De payeble to ~",it:. provldetS and vendonl for 3eMce. anO O~OCluets prtlVlCle<1 ol>Jmg
escro..... Rele~.e of lun,," will r&qul"" mutua' Signed ~In . . InRtruetJDnS hom Buy.r and SIllier, j"diclOI 06Ci6lon or arbitnobon _ r d Jo.
p<lrty ITlOl'!' "" SUbJect 1o 3 crv1l penelt)' of up to ~'.OOO to, ,..ruGa'
10 sl9n .uch instroetioltS if no goo<l filit:h disp<* ",,1_ as to who Is
entllJe<j 10 the d,,,osited rundc (CMI Cede ~'0b7.3).
15. FINAL V'ORlfTCA TlON OF CONCrrION: Buyer 5nan have the "onllO ,"T'B!<B" Mel iMpecron oHloe p",P&rty wnh'" 5 (or , Day" FriO/"
'0 C1c>e Of Eoc'o~ NOT AS A CONTING~NCY OF THE SALE. but s<>IQ'Y to eOf'lnn (I) (Toe P<eperty .. ma"",~ ~ursu.n, tD po:ragrapn 7.0.: ii,)
Repau~ n.a\Je ce~r: comp~[e<:l .5 aO"'eeQ. and (Ill) $.e/ioe'f 1":;'5. COlT'.Ql.I&d with SelJlSr'S CJt.h.e! cbligllhons \.u'lde,..tl)r:s ,Ar,greoemer,t
16. UaU1DATED DAMAGES; If Buyer fail$ to complete this pu~chilSe because of Buyer's dufuutt, Sell,", shall re-taln,
<IS Iiquid<rted damages, the deposit actually p.lId. If the Property is ill dwelling with no more ttlan tour units, one
~fwhich Buyer intends to occupy, then the amount retained shall be no more then 3% of the purchase price.
Any excess shall be returned to Buyer. Release of funds will require mutual, Signed release instructions from
both Buy"r and SeUer, Judicial decilOion or arbilJation awa . BUYER AND SELLER SHALL SIGN A SEPARATE
UQUIDATED DAMAGES PROVISION FOR ANY' INCR DEPOSIT. (CAR. FORM RID)
f BU'r'8('S lnihatc s..1~ In,ti.,s
=-'"~.:.~
C"L1FORNIA P'£sIOENTIAI. PURCHASE AGREEMENT (FlPA-CA PAGE ~ Of' 8) I021'12JQ.<;f>;
614 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
t c
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13. PRORA nONS OF PROPERTY TAXES AND OTHER ITEMS: Unless O!MrwJ~e ag:een 10 wrilJn\j. the following ·t~s sMail be PAW
CURRENT and piore:ed t"rr,.,,,,,n 8ey.,.· and Selier CIS of C,os.e 01 Escrow: r~al pr'operty 1axes and a~essmenl', Interest. rems.
HOA reO'Jlar spe:181. and 9c:lergency due~ end aS8eSsmel'lS imposed prior 10 Close Of Escrow. p~miu~ on Insurance 8s.sumed
Dy Buyer. payment" or bonos ;md ~s3essmenls d:>5Umed by Buyer, And p"ym!tnls on ~edo--Roos and other Speoal A:>ses-sment
C,SL'l(;1 bO<'ds anC aMessmen15 that me nO'>O' a [·en. The to,loWlng Items shall be assumed by Buyer IMTHOUT CREDrr loward the
p'.Jrchas~ pn=: pro.ated pa'im~nt& on M<>lIc>-Roos and ather Specsl A'S<!l;sment Distn~ bonas and """e~$rT\entt. and HOA l>peoal
ossesgment" It'Bt .'C nCV'J ~ Ire~ bul not yet due. Property "";il be r~llse"6ed uPon change of ownerohlp. Any ,upplemenc.l tax biUs
$.~el: be p3,d '" follOWS (i) 10· p€-',OCl • .;,tler 005" [)f E!lcrow, by Buyer: end (,II for periOd" pnO" 10 Close Of E&<:row, O'f S€Uer, TAX
B)L~S ISSUED AFTER CL8SE OF' ESCROW SHALL BE h~NDLEO D'RECTLY BETWEEN BUYER AND SELLER Prorations shOllI
be rn;;<0€ D3s~d on .. 3D-aay monlh
19 WITHHOLD4NG TAXES: Seller and Buyer agree to eXl!'cufe any rC\Sl!\Jme:"l\. affidaVIt, statement 0( instruction reasonabty necRS&ary
to comply with federal (F !"<PTA; and C.. lrfomj" wltt'>holdl~9 Law, H reQuJred (CAR Forms AS lind AS)
20 MULTIPLE LISTING SERVICE ("MLS"); S,O'.e,,, .. re au1r>or.zeO 10 r"port Ie the MLS" peMIr>g sale and, LJ?Of1 Close Of E"c:rnw.!tIe
ler('1' of Ulll> l' an."e"on 10 be pubilShlOO anD d,ssem.n.atec 10 per60n~ and "nti!k-s authoriz.ed 10 ... se lhe inlo~lIon on term.
Cl:JprOVed by the ,\1LS.
21. EQUAL HOUSllliG OPPORTUNITY: Th,. Properly IS .okl in compllOlnce wiltl federal. sl<Jte imd local anti.<JI/Ocrirnin.ation Laws.
22. ATIORNEY FEES: In any aC1'on, proceedln9. or arbitration o,;,!w&i?n Buyer and Seller arising out of this Agreemt':nt, ttl" pr@'lr;>ll,ng
Buyer 0' S"."r snail be enl.1leo to reasonable attorney lees and = 6 from the nOfl--prev";fing Buyer or Selier. excepl a6 provided 10
paragraph 17A.
Z3. SELECTION OF SERVICE PROVlDERS: If B"Oker$ refeT Buyer or S",ller to pen;on~, vendorS, or :Sli'r'!~ or product provid....
rProViderll'). ar(',ker~ do no! "uaral1lee lhe perlormance oj any PrOViders Suyer and seUer- milY ~9Ct ANY Provrd«'<! lJf \nelr own
choou19,
2a. nME OF ESSENCE; ENTIRE CONTRACT; CHAHGES: Trme Is pI !he ~ce. All uno"r&~dings be1weell the p;lroell ere
incoIPor.rilild If) th.s A9r~enl. !IS terms ve intended by the part~s 01& e final. complete and ",xc!lJalve exptessJon of their
Agreemen1 wrth res~Cl to IIi subject matter, and may nol be contrildiG1ed by .vidence of any prior <lgre€ m enf or GOrrtemponmeous
oral B9r~r.1en· If any proYl.'()f'l 01 InIS Agreement ili held to be Inet1ec:1lve or invalid. th~ r!mla""tlg provisions wil/ ne'Vltrtttete" bli
••ven lun lorce and "l!~. N"it.,.,.,. this Agreement nor 81'Y prOVl$ion in it may be ..",tended, amended, modlfJlKl, attere-d or
changed, ""c"pl In writing Signed by Buyer and SI!IIer.
2S, OTHER TERMS AND CONDlTIONS inc1\Jding "rtaet>ed suPoiemenl5
A. 0 Buyer's Inspectio!J Advl40ry (CAR. Form BIA)
8. 0 Purcnase Aqreeffi€'f1! Acdend"m (CAR. Fotm PM peragTllpl1 numb9rs:
C. Se.ller to E4.i:...-~~--I;..1Q",;inq cQ''t' W an .M1QUllt P9t: te seaed' 21 ( b p P6rc.,.o.c:t of: J:hf rJ,.nM
pu.rdJAS' prJ.cc:, S"ll.r ..if' . n.... Wt bl.tV!1r "".Ids- ..J C..l,j_;:ornia Rr", 1 I i ' ref tc L.1.oen",.·
N, 5,ngulBr :md Plu .. llom,s eaCIl ,m;JUde the other, wi'lef1 aporopriate.
8wye~. "'~<AI. ( ~
/7~(;[ _
1~_
In/1j;,l. {
!eiler's
Ct.Pf:"'Pr-; e 1"9~ .:10'~ :' ..... Ll,cUl-u:LA A$t.Co(":w:. TION or: RtAl TOR~ INC I
ri.PA-CA RE:VISE'j 10J02 ~DAGE 6. OF 81 R...,~ C)' O~( ..
~~~~
C.. lIFO'INIA R£~iOENnAl PURCHASE AC'REE'JlAENT IRPA-CA PACE 6 01' e) T62892Jn ?rX
615 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~, \..l !!
f-->(.·k~ A'
27 AGENCY'.
A DISCLOSURE: B'.Jyer ""X, Seller eacr ~c~:"owledg~ P[10' r~lpI or CAP. '0",., AO 'D,$CJo!>Ure Regsrjmg Real Es:me Age.~cy
Rel"lJOI'\~hlps . .
S. POTENTIALLY :;OMPEiING BUYERS AND SELLERS: BlJYer ~nd Sel.ler eac~ ad<nowll!dge receipt of a di"",losure 01 lIle
possib<liry of mUIlI~le representa~on by me 8"Oker rep'!'genting that PCTlCJDaI. This disclosure may De par. of a ;iSlrng :l9 rellmern.
buye'-broKer agree mom or sep""'l" dOOJmem (CAR. Fomn DA) Buyer ur>derstiloo, t~et BrOKer repre-senl~9 B~ye' rray also
represenl othe: cotenllill bJyers. wllO may corsider, maile offers Or> or ultimatt!iy acquire tl1e Property. SGII,,, unoerstand' !tl;l!
Brocer representing Sel\8r re,ay also repre96T1t Olher sellers wrth compel'''9 propert,es of ,n!e'''';l to !hl~ B"y"r.
C. CONFIRMATION' The fc::c',lJmg agency ralationsnlps are reret>y r.onfirmed for tnlS rran;aClion:
deliVered 10 EsCf'Olotl Holder witn", 2 b<J~nes~ days after rnJIual GlCe<:ulion 01 the amer>dmenl
29 BROKER COMPENSATION FROM BuYER: If ..ppliC2ble. upon Clc,.,. 01 E5C1tlW. Buyer agrees to pay compenslllJcfJ to Broker es
10
616 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
,l
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1,:'/:2/=cE!<l
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ProDe~ACo"'E:oliS: ~2'i';
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3~. EXPlRAilON Of Of~Fi; ThiL ~r Sh;JjI O~ c-eerned reVOKed al"",(1' riB csposr': ~~tl ~ returnee IJME!'$.S lhe offer C50 S.gne<t by Sell'el""OO .. Ccpy of the
~'On{>d ()I1E'f:'3 ~e~~0r"13Iiy recel\J'O by Buy(;f, 0" :iy • l,l,Iho I~
[h';~r"\r:)/c::~o ~() -e-cewE' ,t Dy 5,')0 PM 0·"1 me :~Il\f c.aierlidiF d~y ~",,~ th~ cFfer ~ s,..".d by Buyer (Or rt c~ [J tJy
0 =:J
-Z;:ii~~ ~
/7 ._----'"/~--_ .. (dille) . 01 p..M PM}
::>.Ie .' I /. .
o;>r" _
BUYE;- ; : 'i,d C~==---:o=--o;;..... _ BUYE:R
N:i..v~<!. SameM ~_~
rp".~, lIIam~)
(pn"t~mej
;Addressl
J. SROK~R CO~"[;NSATION 1"!'l0lil SEL~ER:
A UpQl1 CloSe Cf E.sc.row. Selk'l•• gree.s to pay COtT'O(u'l ••ton to ElroltEr as speof\ec In 6 s-&OQrOil\e wNtte1 .ag~ernont Oe1'Ween Saller ~nd 9:""Cker
6 If escow d:;)cs n;:rt CJ05e. co~nB;it]on rs p.e .... stde as :>De'CifPed Iii tn .. t '5epamt1:: wrmen 99reemeflt.
33 ACCEPTAJirlJeE OF OFFER: S~:er w;;tr'~nts ,tis: 'Sfl:i)Q' 1S,l:t'1"e own!!f ot the Prooerty or M,.,:; the authority 10 ~le thlG Agreemenl Sene' ~s ttlt"
.8oO".. e oNe r . ~erees t.:; SQll! ~'e Pr~De~!!,' on :r-;e .1t)OV@ lJjfTTiS and COI'\Crllcrrs, end d9~$ to ~ abOve confj(~IOI1 of ~rlcy re~all()nAJlIps S<'lllef nO-!
O,tg
=
'.og and aC,nOWl<"OgK ,~c.e'!>\ of " COpy of t'1<S Agreement and auth",lZl<S Stc;..." te de"".r • Signed Copy 10 B"y,,'
(It cl'ed<.Ald) S'JB.iECT TO ATTACHED COUNTER OFFE!'!, OATeO
Dale _
SEL'_ER SELLER
"'~hl=",:1",}f
.. _
(PrimN.m.J /P11r.t~
lAO<l',,") ------
I
- -r;n~"'I.)
CONFIRMA TlON OF' "'CCEPTA~E.; A Copy of Signed A=lan<>e "'". pol<$onally =y BujlOr or 6uyer's "uIMriz.ed "'eel"""
"G"nt on (d~I") at _ AM C
PM. A hlllC1/ng ""greem"'" is c......a>d wt-.e-n 0
a copy of Signed ACGeptilnl:e " J)f!"5onillly re<:etved by Buy., Or &.Iy""" "utnorb:1ed aogenl wtmu-.&, or l10t conli1Tned in
thi$ <It>c.um,,,,t. Completion (1f thlS conflTTn:ltion ;., not '9931ly fflqY"e<l in l>I'tler to;rn\e iI biooinll AB~",.nt; It It. SO\~lI
Inl@nced to e>lld~""" the dale tNlt C"nf'rmlltion of Aceepuncel'tas oCCU ........
I
!'lEAL esTATE 8~OKERS;
A. Re.aI E!SClU> f:! rtlkel't> .. , . nat ~rues to m~ Agreement ~~..., Buyilr and Seller.
a. Ag.qncy ral.~t10nsDiPt- .are connrrned as ~bt.*d in ~ra;r;a~ T1.
C. H specfied ,., D'lOlg.-eph 2A. Agent .mo ~ubmilted lhB 0"",' lor ElU)'t, eCknowledge:< ,eCllip! 0/ ""posiL
0 COoPERATING BR<JKCR COMPENSATION; ~$ltng 6raker i1g"M \Q l"Iy Cooperating 8roka' (Selling PH'...., ana COO~rall"9 Sl<lI<er "9'eII'~ 10
.~ out of LJ,""9 B,()k.w $ ?'<X:eecs In ~w. (l) \1'Ie a<rol,lOl "I'"",fIed In tt>. MLS. pn;rvi<led C",>?"ra1lng ~ a ".rt~ of the MLS lf1 a.oo...
w."cn
lr. ~Ity IS cfI<lrea lor '$a" or. 'eWoc:Jl MLS: or (II) C
(II "".ckrd) the ~moum spec.ir..d In . . . ~ _ n all_ _ 1\l ICAR. Form
CBeI ~Moeen U$/i") oro••, atld Cooperaling Sroka,.
. " ••1ESC'lle Broker (Seiling Arm) .!ti.1J<!:~.. a Gn;Cfin &,,1 ton
By Dale
~ow Hold.... acknowledllcS '_'PI u,;/ Copy Qf til;'; Ag",emenl (~ctled<ed, 0 .. depo!lll In the amount 0/ S l·
courter~rm""nbe~ __ ;ma
• and ag,",fl$ to .cl .. ~ Esoow Harder aUbjed to p8",grap~ 28 of this ~me-nt any
!upp"'mQntli es=row inwuc!iona .net t~. IRml5 01 ESCIOW Holdera g&neral PlOV"'IOn!.
Escf"OV" t-iold<:r " ;,dVI'SeC1 mat the d4'te 01 Conf,~jon of Aet:ePtIlrnce d tne Agrecmem as ~ n Buyer and SlUW i:::s
E>avw Hol<ler _ _ _ _ _ _ . E1!cr...,. •
By Dale
Ado"'M_~ __
~on.,I'.xIE·rrWl __
-
ucr"" Hoi<Jef '" I,ce,.,,;ed by ~ Canromia ~~..nmen1 0: 0 Curpo<al>on•• O Inovr.nce.O A&al bmw. l>o<:ue.
,
1_ _ : - -) REJECTiON 01' OF'FER; No counter <riIer if bQltlij mad&-. This olter rev;.,WOd and re!eaed by $ellou on
-~
'Se"~r'~ 'nlllab) (~tel
ri-"S H;RM KAS e,EN APPRO\IEO BY -Ht: CALICORN~ A-"'~OCIA-;'ION OF REAl,TOR3!l teA k). NO REPRESENTAnoN rs MADE AS To T>;! l.£(lO,l VAUorrY OR
;'O~OUACY 0.= A",/Y D"ROYISJON tN AN .... s.oF:ClFIC -RANSACTIOl-f A R&.Al iliS'TATE BRO+::E.~ tS TI1E PER50~ aUAUFIED TO AD'ME ON REAL ESiATE
T:=.A.Ns.:..cnGNS. IF' yOU iJFSJr« LEG.AL CR TM AOV'lC-Z. CON~l. r No! APP,I\OPAIJHI pqOFE·SSIONA.l
r"'lll (CX<Tl :e .Q"el~l)Ic "nt u~ tty I ~ l!"lbr4 ~t es,131!" 1f\:J1.l~:ry It It. no~ rt\1IIJno.t;t1 to >OCnt11'Y '1:1! u.&e'" Ba ::I REAL TO~ .REMTO~ IS 8 r,e,gtSteted COIWlC'J.... ~ ; ) rn...t
....... ~~ t':"\.:Ij b' u_ed :m1'y :ly l'T'e~ c~ 'Tl~ ~110NAl AS5,XlArLQN OF R£A.LTOR..5fIt wno ~ .. oS(;r;t>t. to!'".t. Co:k of Etl"lfC4
~
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RPA.CA REV1SCD 11;.1021PAv;E B OF e;
c,.o.llFORNIA qES'OI'NTtAL PURCHASE AGREEMENT (f'!.PA.CA PAGe: 8 OF 81 '! 52S~2307~
617 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
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A. IMPORTANCE OF PROPE~TY tNVESTIGA TlON: The phySlQl conditioo 01 m~ land am' 'r'lprovement'. being p'~rchase<l is nOl
guarar'lleed oy el:~e' Sell~ :if "coke,s For tnis reasen. you shoold cor,O\Jcl t~Drou~h i~ve5tjg<3tlon~ 0: t,e Property per=ne1ly and wi~
:>rofess,cnals who should DrGvlde wnll£n repo'1S of Ihelr In~~stig'H,ons. A general phYSICilI insoeCl1on typically does nol cover all ilSpeclS
::>f The Prope'1Y "y ,Iems ,rH~eti"19 the PrOpert'llhal are not physKaAy located on the Pro!"'rty If the proiessioMls recommend turtl1er
:nves~gatlons ,n,)uOloO i1 remrnmenC1cmon by a pes: control ooere\or to insoed inaccessible area~ of the Property. yoo should GOnlaet
qL.liflad ex;>",,,.s ~o cc!'\du.:7 sue'" ~dd·~'D"alll1Ve'3tl::J8trOn.s.
a. BUYER RIGHTS AND JUTIES: You have an 3t!irtrlar!ve CUll' to exerd~e reasonable care tD orutecl YOUl"Slf. Ir1chY.llng dl~"ery Of
the legl1', p"aC!,=1 and t~nn,c.al ''''''pl,calIOns Of discloSed facts. ano the In... esUgalJon and vc>nftcahon af Information ena raets th3l you
lenow or ihat are \Vlm,n your :llligent .ttentlOI" and obseNatlon. The purc.h~ agreerne<11gi"es you the 'lgMt to in"eo;tigate t~ Property. If
you eX8rCo~e :"is '1ghl ~nd you shOuld. you must do so In accoroance with the term>; of thlllt <l9"eemcnt. This is li1e ~t wooy for you to
prC1\Qct your~lf. It rs ,,>1 rer:;ely Imoortanl tor you to read dl/ ",rihen repor1S provided by profes5lonals Clncl to discu5& the r~~s of
Inl'oectioos '".,lin the prc~sSJonal wno conducted the in~ClIDn. YDU have the right 10 request that Saller make repairs. cormClions or
talc" other ect,on cased "pon ,lems olscoveced In yeur iJw~Sl1g.hons Of d~closed by S~ler. If seller is urw.f1l1lng or uneble 10 Sd~'Sfy your
reaueS1S. or you de not Wi""! to purchase the Propsrty in ItS disclosed and disco:>wred condibon. you have the fight to cancel !he
a\ilreement if you acl w,!h". specific ~mc perio~. 11 yOIJ do not canc~ the agreemer'Jt in 9 timely aO'lO proper manner. you may be in
bc"'e8ch 0( f.;ort~r.r.J
C. SEU.ER RrGHTS AND DUTIES; seller IS required to dLsclose 10 you mllterial facts kl\OWn to him/her thaI affect t/'Ie value (l(
t:le:sirabllity of ,he Property. How~ver, S~"'r may nol b. aware 01 ~me Property oefe~ or conditions. &oller does not halle an obli9aIIOn
to in,,~Cl the Property for your benefd nor is Seller obllg31ro 10 repair. correcl or Ol/lerwise cure known defeCllllh8t 8f"e disdC)5ed te you
or orelliously unknown defee.s mort are discovarnd by yoo or your inspectors aunng 8&Crow. Th& purchase &g~TTI4lnt obllgare5 Seller to
D. BROKER OBl/GAI10NS: Brokers do not have expeMe In all arees lmd lherefore cannol adv~ you on many Items. such as $oil
stability. geOlogic or "nvlftlnrnental condnior>s. tl;u..rOOU$ or illegal controlled su~uHlces. SO"UclUnll =ndihOils of li1e foundatlon 01' other
impr'O'\lemenl~, or the condit>on of It>e roof. plumbl"9, he\JlinQ. air =ndit\onl~ eledrkal, s.ewet. f>e\)tic. waLle d~. or other S)'6Wm.
The O~y way 10 a::curatel~ om.rm"''' ll\e ·CondltlOn of ~ Property i~ through an Inspee:tlon by 8n appropn"l<: p1"Ofe6.olo""l .~~ by
you. If BrOker gi~ you referralS 10 ,"m professionals, BrOker doe" not guarantee their per1orrrnlnce. You mOlY ~~et ~ protesJ;ionl!ll
of your e:t>ocsIf\9 Ie S"l>e$ involvir<g re~denti ..1 dwt<Ulngs with fKl more than rour
~nils. Bro,",ers 1'18..." iil dutY to rnal<.e a dilGent vl3U21
1f15ped1on of the !ccessibk> erebS of the Property and to di&CIOlOll the results of 1hoIt inspwClioo. However. as some Property defects Of'
conditions mOlY not be dlllcOVerable frum 8 VISU.' inspection, tt 1e poS&it»e BroI<~ are not ..~ of ltIem. H you nave ....tered inco a
written agreement y~th a Broker, ftle specffic Tetm8 of that agreement wi. delermi<'le ltle nsture and ~Qnt of lh8t Broker'S duty to you.
YOU ARE STRO~lY -'DVISED 10 ,tNESTlGAl'E THE CONDITION AIlD SUITABlLrTY OF AU. ASPECTS OF THE PROPERTY. IF
YOU 00 NOT DO SO, YOU AR! ACiING AGAINST THE ADVIce OF BROKERS.
E. YOU ARE A[lV1SED TO CONDUCT INVES11GATIONSOF THE ENTIRE PROPERTY. lNCLUOING. BUT NOT UMITED TO THE
FOLLOWINO:
1. GENERAL cmlOlTION OF THE PROPERTY, ITS SYSnMS AAD COM"O"eNTS~ Found:o~on. rod. plumbing, heating. air
cond~ion,ng. electrical. mecharnC<lI, t.eeurlty. pool/wa, other 5tf\.lClUI':Ol' and non'$1fVClural "yslems .nd componen~. filClures,
bUilt-in aDPliances. any peraQflal property included In th.. SoCIis. and el'lergy E1Ilciency of ttle Pr()pert~. (StruetUl1lI ""!JinoorG ilfe best
~uite<:llo determine powble design or construction defecl5. and whe!tl« Impro~ernerrts are stNC1uraily ~md.)
2. SQUARE: FOOTAGE. AGE, BOUNDARIES; Squilfll1ootaE/e, room dirnen~ons. 101 size. a9fl of impl'OV1tfTlenl& and boondarie$. Any
nUfT1t!ricel lItaTemenb reg.. rdifl\l thllse iHtm5 are APPROXIMA nONS ONLY lind have net be6l'l veri1ieO by $el1t:r and cannot be
verifled oy Brokers. Fen~, hedges. walls retaining ..",all~ Clod other natural Dr consll'ueted barriers or markers do no! n¢Cl!S8l>riry
iden.ify leU", Property oounoaries. (profe5Slonals sur;:h as appralSe~, ilrt:hll9CtS. sUfVeyOf'S and civil engineea ilre bef;t suited to
determine square footage. dimllnSlcms :;lnd tloundctries of lI1e Property.)
3. WOOD DESTROYING PESTS: Presence of. or e<>nd~ion~ ~~.ely to IQ<Id TO the presence 01 wOOd dastroyillQ pests and organi:HT\5
a1Id ctner mfesT;,hOn 0' mfection. InspectIOn reports covering these Item$ can be separated Into two sections: Section 1 ioe/'ltifte$
a~llS wrrere ,nfe=tiofl or infecnon is e... ioent S ~ 2 identifJo!s lilre<lS lIVtler~ there are conditions ILk€ly to lelia 10 inf&Slation or
J¥
rntecllon A regJslered sTruCUJ/al pes! ~nnlrol company is be:!>{ s~ited to perform these inspectiorlG.
The CCP~'.. 111 ,_, of tM. Unneo ~. (Tille 17 uS Code) mrbid tIl4J
u~.uthO"O:e<l ",proclUC1OQ<1 oi :hi!. to,,", CJ( .ny PO'ti~n \.,e,,,,,l. by phc>\oet>py ~r'. In~isl$ ( )( _ _ ~_)
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618 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
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F'tDer.y ,A.:j.jr~~ ]_;~~ P~cK ~.n.'Vl" EQ~~r1v 1JJ,.J.~SI ~ 90:ZLZ iJale. Sep"9Izlher, 2004
4. SOIL STABIUTY' E;"stenO'! 01 fill or compacted so~ expansive or r;onU3ctng wil, Sl..tSa>P~bl'ity to ,,"'ippage. setlJing 0< movement,
drd l'le a8<:-Q"~C>' :;~ "'Slr8ge, (Geolechnl<:.al eng,,,,.,,,, are be",t sulle<11o delerrr:ne such condiliorn;. caJses end remedies,)
5. HOOF: "'res""l ccndltIO~, age. leeks, "ro'em8lfl,ng useful life. (Roc~ng contractors are best sUJ:ej to determine Ihe~ conditIOns)
6. POCUSPA: e-3Ci<S .~ab or Dper~tl"nal proo:IOlms (?OOI conlr"etoffi Me beslsUJtoo to delerrnor.c these C'JndltiOnG)
7. WASTE DISPOSAL: T~ "''ZO!, adequacy CB\XlCl1y ann conditJon of 3eWef sno Sr"P1K: "y"tems ;,mel components. connec.llon to
8. WATER AND UTIUTES; WELL SYSTEMS AND Cor.tPONENTS: W:ater and utility """,I abi r1ly. u~e reslrictions al'\d cc~. Water
qualItY. OlCeqU!le;y. cor, dillon , ar,d penOIT"1ance of well svslerm; and comoonents.
" rNVlRONMENTAL ",AZARDS, Pctential env"on(flem~:'l<32fl{ds.including, bUT no! limiled :0. as~t~, :ead·baS0d paint and olher
,"ad c:n.tBmlrat!or" radon, rn<ltn<!".,. ntker gase!. fuel 011 Of d',em',cai slDr<lge ta"k~, CO<"tBmIr,.m,d SOli or wmer, h8z~tdeu" waste
wast" j'sD05al snes. ~leetrol'"18gnellc lJeIos, nt.;dear 50UIc;SS, and other SlJD6Ia,,=, makmals. produC!$, or conditions ('r>Oudlf1g
mold (;>Imomo. t(l~IC 01 OrnelW,se}, fungus or s'milar :cntamlflsMs) (For more Informat,on on 'h"Se ite~. you may consuU Bn
aop,oprliltc P'Df~ssland' or ,e.. d IhEl booKlel$ "Envlronrnllmal Hazilrds; A Guide for Homeowners, BlIY~ Landlords lind Tenant!;:
10. EARTHQUAKES AND FLOODING: SLJSceptibiiity of lh'e PrOperty :0 8a/ttlqu~lceJ$eismichll.2:Brd~ "no proC&Mil)l of the Propeny to
A:od. (A Ge-oiOgisr ()r Geotechnical Englree-r is best SUl:ed 10 provlae ,nformation On the,." con,jlllcns.)
11, FIRE... HAZARD AND OTHER INSURANCE: The a~ail"bi!ily aM COSl 01 ne~ry or OIl.ir.,d rnsuranoe m~y Yary. T,..., loc:ahon of
Ihe Property in • S.hSrrlIC flDOd or fife hazard zone, and other conditions, such as the age of tI>f' Property and the claims history of
the Prooorty ~nC Buyer. mi!ly aHet:\ ihe ...,llilWlrty ..no n~ lOT certain types of in~\JraT1ce, Buyer sho.Jld 9>\?lore ",surarx::e op\io<'\$
early ~~ !hi$ ,"Iormotion rnBy affeC1 other Decisions. including ~ ,emoval 01 loan and inspedjon contIngencies. (An insurance agenT
12 BUlL-DING PERMITS. Z.O~ING AND GOVERNMENTAl.. REQUIREMENTS; Permits. ir,spedions, certificates. zoning. olher
gO'Jern'1'lerrtal h,'l1llatiOns. reslriclion&. and r"'1uir"menls :IffedJng the cul'Tam or tuture use of the Property. its oevelopment 0< 1;lU!.
(Such imormalion is «vailable from appropnete govemmental ilgencies ano prlVille InfonnehOn prewiders. Clrokm are no! qualifred 10
13, RENTAl PROPERTY RESTRICTIONS: Some ol'''S an<! countiU imposJil restrictions lt1el lirr,,! the ..mourn of rent U1B1 can b&
Chll l9"d. the mexllnom numb"r of CCCUfl'lnls: and lhe righl of a landlord \0 lefTl'\of"l4lt6 • tenancy, Del'ldbon Or other IOck5 and security
&W'l{>l'm tor doo~ end Wlndows. inClUding windOW bars. ahould be ""amlneo to ::letern1~ wtIe",er th<!y satis~ lege! reQuiremeT\~.
(Govemmem "geneJ"" can peovlCle Informabon "boul these ro$lnctionll and ot:her requirements.)
H. SECURITY AND SAFETY' Stare and local Law may reqUire ttte im,tallaliorr of barrie~. S~S slarm$, self.lalcl'Illl9 mechallism5
end/or other messutealo oecreaS9 the nsk 10 children and ethel pe~ of e>1sting swimming pool~ .;and hot lut>$, "well as var><>us
fire ~afety and olhe< measures conceming olhet feat"res of the Property. Compliance requirementS differ from city to city and counly
to colltlly. Unl"f;s specifically 2(l~, the Propefty may net be If) c;omphllnce WIth lhe~ reQUiT8mer1l5. (Local g<M!rnment ageooe1l
eatl provide infOm1OltlOl1 abOut ltle:le relItrio:::llons and other requirem,nts.) (,'."
t 5. NEIGHBORHOOD. AREA, SUBDIVISION CONOmONS; PERsONAL FA~ORS: ~ghbomood ~ area conditions, irdJding
"chools, proximity anel ad<PQUaCY of _ enforcement. crime slati$1!CS, Itle prOJ;imity 0( ",gislete<l fel0n5 or offenders., fite prolJilCtjon,
other 9~rnmenl aefV1OR$. 8vai l abifii}>, aCl&qu;ocy and cost 01 any speed-wW'lld. wi"'lesa il'I\emel conneetio~ 0( other
lel"commun=tIOns or other lechnology ~eN1cro5 2"l1 In&tal~lions, proximity 10 comm 81ci ;ll. Industrial or agrlCultlJrcsl activities,
e><i&Ung "f\d plOP()>e(l Iran&portllllon. construcbon and ::levelopmenllhal may llffect noise. view, or tralTic, airport noise. nOI$C or Qdcr
from ~"y SQuroe, w~d .lnd dotn<>slic "nimals. other nuisances, MaLarUs. ex eiroumstllneea. PlOlected spedes. _tJand properties,
botanical Ol:!ieases. historiC; or other govemmel1t;lJly oro\ec:led sill!!> or imorovements. cemelenes. faCIlities and condltlon of common
areas 01 commo~ ,nt... esl wbolvlSions. ,lrld possible lack of compliance with any governing docum,,,,u; 0' HO~rT A£sociation
reqUirements. co"dit\ons ,nd infhJenc:es of signifteanee 10 certain c;ullUT/iS·andlor religions. and personal needs,.reqUiremen~and
prefer&>nces ot Buyer
Buye' ~nd S"I~ .cI<r,owlea~ ;>nd agfee mal BrOl<er- (i) Dol/>l not deode ...n~l pnao Buyer s~ould payor Sillier ,"ould lICC1lPt. (ill Doe$ M1
g<Jamntef: tlK! ccnditio<1 oj tt>,.. PropMy; roil) Does nol 'lUI'" mae tne ~"nn;lrlca. 3deQu_cy or completeness 01 insp6~, aWatS, pro'llJCU, or
'"",oi'$ provided Of made ov Seller or othef3: (;v) $1\811 no( IlE "'spoflClble lor iMnllIylng delem thai are not IcrlOWn to 8rolcer ~ro:l (a) not Yi5ua1ly .'ll
oOl>¢fV.ble in ruwnably QC,(:I!!1~ble ".n
01 the p,optf!fy. (bl are ,., COTT1fT1Qf1 areas: DI (e) a~ of! the .lte O'f the P~rty; (\I) ShaM not be
~po""ible to< ,"Sp<lt.hng pul;lkc rea>_
Of per'ma =rning II'!e tiu. 0: u.se of PJWetty: (vi) !lila. not be ,esp;",SItIe lor idenllf"ng the IDeal"'" of
!>ouno:lary ~ne. or o"",r lit rn' IHl:ctln9 rttIe: \vii) Sn.a flOt be ~".ible for v~in!l 5Cuere footage. ""'_~ oJ Olhe~ 0< intDrrn&IJOfI
oonlair>e<l ., Inves1lQat.on repQ<lS. r.Au~ u.~n9 Servlr», """Srtl3emo'llS. ~rs or OlMr o'omollon31 mateml: jy~i) 511;1. nat be re-:>pc:lt'\5il>le lor
provldif>9 le9al or lax advice /e9ortling any ~Pt!Cl DI • tranuc\ICln "n18fl1d into by 5uyer or seier, an<l (I;ll) 510,,11 nol be "",oonsibie fOr torOYicling
",hel advice 0' rniOtfll3lion mal exceedo the kncwledge. eduCllion .nd ... perienoe rllqUM><! to per1Qfm ~ ..:stllie rocensed activlly. ally8r ~ Sener
ag"'l' to .... ~ ~ga~ 1:1" tmunonc:<:, title and ethel llesm.d aS$jm~ from "iWropnole prohlasiona/$,
By !ItgrllrJ(l below, Buy.... :and Seller each aclmawl~El thaI thc>y llne reacl. UnQ&nltand, o-ccept and ll;tw ~efv~ a Copy of
~ (j,.q-u;
Thr$ 1C~ :l .vaJl.~e tOt .. $oi :n \nil ~l:'", ...~ ~&lZ\I'" ,r'ldu3l'lry n IS Mt ,,!'noea to Qe~"'f t1MP oJ~" filS e REAL. TORe RE.Al iORl8) s. I r~~r'e'O OOaecthe ~f"!Jf1:p ~l"r
\N"'C""J ~ oe I4f:O Qnto 7) I"tlPTr~~.. Cl'! the NA. T\C">H~ ASSOCl....7\DN 0; RtAl-OR~ .....he .ut>w:~ 'KJ 1\' Coo. af Etnl;:::::' ~
(el~::t:®
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nc: ?JOliSl'.eO try the
C;i',h;lrnlil AsSQ:'I~JO'" of RE..AJ.TC>R!iCt ~1!N'o8d lJY OOte ---l
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BIA Rt.V1SEO 1Cl'C~ \~I'GE L vF 2)
RVVER'5 I~P!;crION ADVISORY (BIA ""'GE: OF:/)
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619 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
J, : /
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WOOD DESTROYING PEST INSPECTION AND
ALLOCATION OF COST ADDENDUM
(CAR. Fo,", 'NPA. Re\'~ '0102)
~
Tn\s is an i'lOdendum ,0 '.he:& Caifiomie Res>l:lentlal Purchase p..greerrle1'lt 0' 0 Ottler
Or] proper1y known <,S 320 S ?PCK Dr17" Be...",.:-ly Hills, CA 9021",2_~~~_~
_ _ _ _ _ _. ("Pmoerly").
betw~n _
Nine S~.ah ("Buyer")
and _
Jo",~~~=J,k ("SeHer'")
'THE FOLLOWI:--lG SHAll REPI ACE THE VVOOD DES,ROYING PEST INSPECTION PARAGRAPH (GA rn the Calltomsa
ReSidential Purch;:>se Agreecnent :,RP.o,-CA)) ana snail superseoe any conflicting terms In 21,'1/ previously..gf'nera1ej
agreement
control c;ompany, who shan sepanate the Report into sectJons for evidem Infestation or Infection (Section') ana for
conditions liKely to lead to Infe5lalion or Infection (Section 2). The Report shall cover lt1e main bUliding and attached
structures and. If cn~ked: III detached gara\1es and carports. 0 detacned decks, 0 tile following other structures
on the Property: _ _
The Raper. shall not Include roof coverings. If th., Property IS ;l unit m e condominium or otl1er common interest
subdivISion me RepO, shall include only IMe sepllrl'lte Interesl and any exc;lusive-\Jse are3S being transferred, ana
shall not Include common areas. \Nater tests of shower pans on upper level units may not be performed unless the
owners of properly below the shower consent If Buyer requesTs Inspection of inaccessible areas, Buyershall pay for
thlll oost of entry, insPE'ctiot'l and closing lor those areas. unless otherwise agreed A written Pest Control CertifIcation
shaH be Issuec pnol to Close Of Escrow, \Jnless otherwise agreed, only If no infestation or mfection 15 found or If
8. (Section 1) 0 8uyer W Seller shall pay tor work recommended to correct 'Section l' condition5 described in the
Report and the cost of Il"ll'lpection, entry and closing of those inaccessible areas where active infestation {)r Infection
i$ discovered
(Sel;tion 2) rn Buyer 0 Seiler shall pay for work recommended to correc1 'Sedion 2' conditlQr1S described in the
By signing belOW, me undersigned acknOWledge UHl1 each has read, undl'rs~nds ar.d has received. copy of this
Addendum. '
Buyer _ _ Seller _~ _
Tn.? (;t:c",rrqI11 ~ C'~ rt'-.? vrllJi'C $u.:teJ IT~ 17' !.l...5 COO~j+uroicl; ~tn9V11ariI.ed~~CftS form. Of wY1 ';)()('tign t"p.rwof. btf '1'lO~~". Of' ~ O'hQt '!'T'I6an&.
n::Jo,<l/'9 '~1Inl9 "';;,:)" OJ1.""'"
!O"'..:, ~O'II'O"1 0; 200:1, t;.l,LI'O"~IA ~S5OCJA noN 0, ~EALTO~. INC ilL!. fliGHTS RESe"VEO
THJ5 'OOM ><AS B.EN 1\"'"ovr:O BY THfi CAUFORNJA A$:iOCIAT,O", DF REA~ roR~ (CAR.). NO RE~E5EIlCUT1ON IS lAADE AS TO T>!E lEaA<. V,o,1I0nY OR
MJ€ O JACY OF AN" PROV'S>.:)", IN
TAAN£,o,CTIONS IF you
"",Y
SP~GlrJC TR""so,CTtON A f1l:.Al ESTATE BROKER IS T1iE ~ON OU"L1FIEO TO '1)V<S~ ON P£i'.L "-'TAn:
()t~IR~ lEGAl. Oil TAJ< ADVIC£. CONSUlS M; A~'ROPRJAn: I'ROFESSlOfol4L
T~ torm I, ;V~i:aQte lot uae Crt J'W efI''''c niat e~roll:P 1.'lDulCtry • l.!: not tnlltf'K:e<1 ~ k»nt1y t"'ll ~ ~ ~ ReAl TO~~_ R~LrORli) if II rlI99~ col.cIN. 1T')t'I"'"lbcTSiltp
">""
'T!&r).
-""" mJ'! be 0'. ~..1>O"'-':J'"" N~-;-'ONAL AS~C<:;,AnON OF REAL TORS'3>W'lO ...beCl'1~ t) It> COGO of E:nics.
(St.F£~
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.~ S1~ It:lf to''t'fM~'
AuoQ.~on Of R EAL TOR~ G R~.~ ~ Oz@
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9rc+<.r GiJler.1n & Grifh.- p .. ;;/to~ 13J: ·.Nr~t'woood Blvd \ LO'lI A"Q~~ CA 90024
l.f
620 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
l,)
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621 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
DECLARATIO~ OF JAY R. STEIN
2 I, Jay R. Stein, declare as follows:
3
4 il 1. I am au attorney at law duly licensed to practice before the Courts of
5 II the State of California. I have personal knowledge of facts set forth in this declaration, and
911 Joseph Zemik (Case No. SC 087400). On October 25,2005, I caused to be served on
10 II Zemik by Certified Mail the l\ otice of Pendency of Action. I served the Notice of
1111 Pendency of Action on four different addresses I had for Zemik, including 320 S. Peck
1211 Drive, Beverly Hills, California 90212. Attached hereto as Exhibit A is a true and correct
13 II copy of the ~otice of Pendency of Action and certified m.ail receipts evidencing the
14 II certified mailing of the document.
15
21 II I declare under penalty of perjury of the laws of the State of California that
22 II the foregoing is true and correct and that this Declaration is executed on July ItJ, 2007 in
23 II ~~J rMle/e~ A -·~
24
25
26
27
28
-1
WQ2:;'V£ST .1'v1MKl '.10035 3905.1 DECLo.RATTO:" OF JAY R STEL'<'
622 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
8 SUPERIOR COURT OF THE STATE OF CALIFORNIA
15 II Defendants.
16
17 III
18 III
19 III
20 III
21 III
22 III
23 III
24 III
25 11/
26 1/1
27 1/1
28 11//1
NOTICE IS HEREBY GIVEN that the above-entitled action was filed in the
4 II The specific real property affected by the action is located in Los Angeles
6 Lot 252 of Tract No. 7710, in the City of Beverly Hills. County of Los
8 and 95, of Maps in the Office of the County Recorder of Said County.
10
BYU, t ;%~
12
13
14 J R.~
Attorney for Plaintiff NIVIE SAMAAN
15
16
17
18
19
20
21
22
23
24
25
26
27
28
1
NOTICE OF PENDENCY OF ACTION
624 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
ru~:g~~:~~, ~I!!~L
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625 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
• /, . l
NIVIE SAMAAN
7
8 SUPERIOR COURT OF THE STATE OF CALIFORNIA
10 ("- . ~ r[' nr L
NIVIE SAMAAN, an Individual, Case No. SC 087400 ~ t ........... ~ • ~ l _""
j. 'lo.
11
Plaintiff, NOV 0 " ?~11::'
12 NOTICE OF PENDENCY ".' "- voJ
vs. OF ACTION R£'CORDE:
13
JOSEPH ZERNIK, an Individual, and DOES 1
14 II through 20, Inclusive,
15 Defendants.
16
17 III
18 III
19 III
20 III
21 III
22 III
23 III
24 III
25 III
26 III
2711/11
28 1/1
1
NOTICE OF PENDENCY OF ACTION
626 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
4 I ~
NOTICE IS HEREBY GIVEN that the above-entitled action was fded in the
2 II above-entitled court on October 25, 2005 by NIVIE SAMAAN, Plaintiff, against JOSEPH
4 II The specific real property affected by the action is located in Los Angeles
8 and 95, of Maps in the Office of the County Recorder of Said County.
10
AnORN~~AIPAW
12
13
14
By: 6q7lk r'YR.~
~
Attorney for Plaintiff NIVIE SAMAAN
15
16
17
18
19
20
21
22
23
24
25
26
27
28
1
NOTICE OF PENDENCY OF ACTION
627 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
IPJ
~M
Metrociiies
0 R T GAG E
This is to certify that Nivie Samaan as of May 11! 2007, has been pre-approved for a
secured residential real estate loan with the following parameters:
This credit approval is based upon an initial review and verification of information you
provided on income, debts and credit. This opinion is non-transferable and non
negotiable and is subject to the pricing and other terms and conditions applicable to the
loan type and amount approved.
The signing of the application form or any related documents in connection with the
application for a loan does not constitute a commitment to grant a loan. Further, the
granting of a loan based upon your application is based on factors other than just the
application, including employment status, employment history, credit status, credit
history, information contained in the documents provided to the financial institutions,
and others matters relating to the condition and valuation of the subject property.
Further, the granting of a loan may be provided provisionally with conditions concerning
payoff of certain other credit obligations.
Each loan application is reviewed on its own merits on a case-by-case basis. This credit
approval is valid for 60 days from the date indicated above. If interest rates increase,
thereby increasing the monthly payment amounts, it is possible you may not qualify for
the maximum purchase price and loan amount indicated above. This credit approval is
not a guarantee of points, fees, or interest rate. Any adverse material changes to the
information you provided may affect final loan approval, causing us to change or void
this opinion without further notice.
~~====-'
5'11/07,1234 PM
628 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
1 DECLARATION OF MOE KESHAVARZI
3
411 1. I am an attorney at law duly licensed to practice before the Courts of
5 II the State of California. I am an associate with the law firm of Sheppard, Mullin, Richter &
611 Hampton LLP ("Sheppard Mullin") counsel of record for plaintiff Nivie Samaan
7 II ("plaintiff') in this action. I have personal knowledge of the following facts, and if sworn
8 /I as a witness, could and would competently testify thereto.
9
10 II 2. On March 30, 2007, I took the deposition of Michael Libow.
11 II Attached hereto as Exhibit 27 are true and correct copies of the transcript ofMr. Libow's
12 11 deposition, including Exhibits from that deposition transcript.
13
1411 I declare under penalty of peIjury under the laws of the State of California
18
19
20
Moe
21
22
23
24
25
26
27
28
-1
W02·WESTIMMKI400322941 I DECLARATION OF MOE KESHAVARZI
629 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
CERTiFIED COpy
Plaintiff,
Defendants.
AiM~ ~
630 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
10:32AM 1 THE WITNESS: I'm sorry.
4 (Questi0r. read
8 A No.
14 Peck.
18 A He must have.
21 A No.
22 Q But you did not contact him and ask him whether
2 A No.
9 identification.)
14 A Yes.
24 A Yes.
10 : 3 6 AM 5 2004.
6 A Yes.
8 A Vh-huh.
11 A Dh-huh.
13 A Yes.
17 Q Right.
19 But
10 : 36 AM 20 Q Go ahead.
22 5 percent.
7 Right?
8 A On or before, it says.
11:00AM 10 Escrow?
11 A Right.
13 deal with?
A One of them.
-
14
18 this.
11:DIAM 20 identification. )
11:47A~ 5 here.
22 to be aware of?
24 together.
11:48Ar-1 5 final agreement between the parties for the sale and
8 legal conclusion.
11:48AMI0 answer.
13 Q Okay.
11 : 4 9 AM 20
- Q So this constitutes a contract for the sale and
escrow instructions.
-
24
2
G
,I Q
-ITNESS, Okay.
4 I September 13.
6 Moving. II
8 time?
9 A I don't recall.
2 On the 16th.
3 16th. Right?
4 A Uh-huh.
19 16? I'm not good at math, but I think that's one that I
23 A (Time lapse.)
4 A Yes.
7 A Uh-huh.
11 do not.
14 it.
12: OlPM 15 MR. KESHAVARZI: Can we take a quick break for three
8 from Hawaii.
9 A Uh-huh.
12 A Right.
16 A Yes.
17 Q Whose is it?
21 A To?
23 A No.
6 16th from Ms. Samaan. And then you send the purchase
11 A No.
\
12 MR~ KESHAVARZI: Let's move to another exhibit, 114.
14 identification. )
12:12PM25 with:
3 strike that.
1:55PM 5 property?
14 Q Okay. So if - -
17 A The 1st.
:;..:S7PM 25 marking.
23 Q Did you tell Mr. Zernik that Mr. Parks had told
l:58PM 25 for approval except that they didn't have the escrow
4 2004. You can see on the top you sent it at 5:26 P.M.
7 October 7.
8 A October
9 Q I see 7.
2:11PM 10 A The date of the report was the 6th. They sent
11 it on the 7th.
3 A Yes.
6 A Dh-huh.
9 A Dh-huh.
14 of late.
16 past the date you testified earlier was the deadline for
')')
L.~ report section was removed on October 4.
11 The question is
r
2:26PM20 record.
22 what I see.
4 A I believe.
6 A Yes.
9 A Is it 14 days?
2 : 3 1 PM 10 Q 14 or 15.
12 Q So 14 days?
13 A Yeah.
16 A Uh-huh.
19 a deadline?
21 Q Who did?
23 escrow.
4 A Okay.
2:40PM15 A In my mind --
18 A Okay.
21 A Yes.
4 contingency.
2 :4lPM 5 Q Right.
13 Right?
18 Q November 1.
19 A November 1. So he asked.
22 identification. )
3 Q Let's go to 134.
2 : 4 6 PM 5 identification. )
8 letter?
11 A Yes.
21 cancellation of escrow."
2 :48PM 5
13 to the buyer?
17 That's typical.
3 THE
(Exhibit 135 was
identification. )
WITNESS: Okay.
rnarke~ for
l
I
I
I
4 Q BY MR. KESHAVARZI: 00 you recall sending this
2 :5:2PM 5 e-mail?
8 tell.
16 request."
2:S3?M25 Absolutely.
4 deadline?
7 that but --
I
13 Q It is an extension?
3:00PM 10 they didn't expect -- Victor did not expect any problems
22 identification.)
11 A Okay.
14 Escrow?
3:02PM1S A Yes. Which might have come from the fact that
3:02PM 20 and said "Michael, I don't have it. Would you fax it."
23 fax?
24 A Yes.
14 report.
19 Q Yes.
21 22nd?
3:04PMI0 by him?
12 over to you.
14 A Well, to Robert.
16
17 I don t know.
I
19 to sign a document?
3::5PM25 is done for the benefit of a lender who wants to see it.
12 initial.
23 have 11 yes.
3:C6PM25 initialed?
9 the record.
3:10PMI0 (Recess.)
18 A Yes.
22 went through.
3:23PM25 a bit different than 5:15 A.M. on the fax cover sheet.
4 date on there.
9 seconds.
12 Right?
17 as 139.
18 A Okay.
3:25PM20 identification.)
4
---
approximately 11: 30 P. M. "
:25PM 5 cont.ingencies?
16 A Yeah.
2 I agreement.
8 Mr. Zernik?
9 A Correct.
2
I
r
highligI," for me in this document all the documents or
9 A Statutory disclosures.
11 disclosures. Correct?
12 A Uh-huh.
4 out of town?
3 :36PM 5 A No. I'm just making a note that the buyer was
6 out of town.
8 buyer was out of town. Before you were told that she
12 still thinking
3:36PM15 A Sure.
16
-.
Q Do you know when this document was delivered to
17 the buyer?
24 Monday.
2 of:ice.
13 Q So on the 22nd?
18 delivered it?
21 distributed.
23 Exhibit 120?
3 looking.
6 A Sure.
9 buyer?
11 transaction?
16 statutory disclosures.
6 A Well, yes.
7
-
Q Okay. Thank you.
8 A Okay.
3:41PMIO
9 Q
-
Let's go to 7B, which says:
13 A Right.
22 office?
7 Q (Simultaneous discussion).
12 saying.
14 deliver
17 by September 22?
18 A Yes.
22 Q Which was
3:42PM 2S document.
i
ABRAMS, MAH & KAHN 7
668 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
3 : 4 2 PM 1 Q .illd the delivery of that document was made
3:43PM1O might have even said "You know, I'll deal with it when I
3:43PM 15 A lOB?
16 Q Please.
17 A Okay.
3:43PM20 as she was going out of town. The second -- the last
21 sentence says:
---
2 1227 1/2 South Alfred Street. II
3:44PM 5 been discussing, the seller could have, per Ms. Samaan's
8 A Yes, of course.
11
-Q Let's go to 4C, the purchase agreement. We're
14 paragraph?
19 regarding this?
23 A Yes, it is.
4 A Yeah.
6 A No.
11 A No, I do not.
14 identification. )
4 ,05PM 15 Q BY MR. KESHAVARZI: This is an e-mail.
23 days."
3 Q 138.
6 back.
7 A Thanks.
18 -' -
Q Do you keep a diary?
19 A No.
23 A In my daybook, yeah.
8 I truth;
20 I correct.
~U)run/-
23
25
12
13
14 Dated: tb/
~
07
15
16
!
~
i- 17
~ 18
8*
~
19
,
<
•
£' 20
0
~
=
~ 21
~
22
23
24
674 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
'0f, FOR FXHIBlTJO \
CAT'ON
( ~1It1L'
I J
7 /
LAORY W
WITNESS:
E 20Jil.-
tR\~E:r"
~
~
RESIDENTIAL BROKERAGE
a, LIST PRI~E. The Iisring price will be ¢~ ~J.ro~ ':>i ~ t\v:Uf)U1> N::N t:.!;j F.fV ~ 1]ti!S~..j ..,\
Doll:lrs ($ \ )~9ICCO ).
b, PERSONAL PJlOPERIT.
(l) The following irems of person:l1 propmy are INClUDED in rne above purchase pm:e:
(2) The following items of personal propury are EXCLUDED from the above purchase price'
c ADDITIONAL TERMS:
2. COMPENSATION. Notice: The amounl or ralC of real eSlate commissions is nOI fixed by law. They arc leI by each Broker
individually wd may be negotiable between SeUer and Broker.
a. S~lIer .Igre~s to pay to Broker, as comp;l:J.tion for services. irrespectIve of agency rcl~rionships. 500 % of selling price AND a
document~tion compliance fee of! . as foljows:
b. rr Broker. Seller, j cooper:J.ling broktt. or any other person produces :J. buyer who on-en to purch.ue rhe Pro perry at tne above list price and terms
or :It a price and terms agreed upon;
If, within 12 months :If,cr eXf'ir~rjon of the lerm of l'Sling or ~ny eKlens;oll, ti,e Propc:rry U .old. cullveyed, kased. or otherwise
lr:lnsferred w anyone to whom Broker or a eoopennng broker nas shown llle Propcrry or had negoll,rions, prOVided thal Broker glYCS Sdler.
prIor to or wHhin 10 calendar days after expiration of the terOl of rhe lllllng or any eltCIISlun, wrilfen nOllce with ehe namcs(s) of the prospeceive
buyer(s), excepe thar noelcc shall not be reqUired for :l buyer wno submirs a wntren ofTer durinr; the
lilllng term. Scller's failure to exclude mese names from ~ny subsequent lUling conrracr dUring this pcnud may expnse the Seller ro obligation
[0 p:lY ;aJdilJonal commission;
II. If. wlrhoul Broker's prior wrmcn consCll!, the Properry is wllndrawn from s~lc, conveyed, le~scd. renled. transferred. or made
unm"kcrable bJ' :I voluntary act of Seller during Inc term of the l,uIOg or any exter.sion, or
Ill. 11' complcllon of a salc IS prevenred by :l p:lrry co the eransolction oehe. dut 5~lIer, BrOKer shall bc enUlled IU an amounr nOI las rhan one.~Jf
of Ihe sums recoverctJ by Seller, whed\er char~Ctellled as dolln,ges, (USU, expenscs. or otherwise, but not to exceed the :lbovc compensation•
• f,er lirst deducting any rcasun:lble Ii de, escrow, .nd collemon expenle, p.lId by Seller.
,v. Seller hert-by irrevocably assigns to Broker the :lbovc compensaeion from Seller's funds alld proceeds In e.;crow.
BroK.er is :luthomeci to c00f'cr~te wilh adler brokers, .Inc.J diviJe widl olher brokers the commission in ~ny manller .cceprable to Broker.
V\. This section shall s(;rVIVC [he Cxpll.Clon, lermanaClon or c.ncciluion of this Agreemenl.
It'ile. crIno",~\ fEC ( ropy 01 I'lll pG()t. Wl'oKh {OfllhlUlfl Pcgr i 01 4 ~!/fl
/01
- - - - - - - - OFFICE lJSl O//lY - - - - - - - - ,
Se!!Cf'llnllJeXs \
o:!oo< C~I~"·LIJ
""r) ...J-I----'
1S..... lk~ u..'\i..H ......... ,1i l)r-r-",tt.". G) A.: ... rte"lJ 12/01 t ~,Ir, 81011' 01 0..... Our
675 / 745 .- •• _ . • . - _ A •. _ •. _ _ D._. C"_ •• I n . __ A\
Court File: "Volume IV Continued"
_._ "r'
a
VIII. Sellcr reprnenn thar Stllel has nor prcvlowly entered 1010 a Iimng agreement with aI1ClrheJ nrulter no, has ally 06hgallon to ,ny orhcl Bickel
rcg:lCrllng [he Properl)' unless speclticci ;u-Toll~' _
3 KEYSAFEfKEYS,
b.(Srllrri IIIll/nLsl YES ( / ) Sellcr .ulhomes Broker 10 11Ut.ll a ktysafe. A keys~fe IS desiglled ro hold a kry to the Properry 10 prIma
,cceSI 10 the Properl)' b eS~le 'genu in order 10 show the Properl)' to prospecl'Ive buyen, at some wnes wirholl( Broker being presenJ. lf Sdler
~es) nor occupy the P cry 5 ' r sh:lll ubtaln rhe oecupaocs' wrm.n pernliSSlon for llSe of a kevsafe
4~~/t;lrrj I71/l1Qb) YES ( f ). Seller authorius Broker [0 place a FOR SAlE/SOLD sign on rhe Propmy.
5 ~OCATION SERVlC£. (Seiler J "lIT/Ill!) YES ( / l. Are you IOreres[ed 10 Informauon abollr OUI frcc rdocallon servI-.cs'
6 BROKER A."lD SElLER DUTIES. Broke! agrees ro exercise re:uollable effore alld Jue r.liligence ro achieve Ihe purposes of [hiS Agrr:cmem, and is a... [horizC'C!
10 ac-.cpr • deposit on behalf of Seller. Seller ~grces ro cooperate by malung rhe Properry available for showing at reasonable rimes =d by immediately referr' ..g
to Broker all mqulrlo of a.ny pury or broker IlHercstcd in rhe Property. Seller agrees ro consider cffcn prc:.semed by Broker. and 10 ~Ct in good f..rh lowa.rd
accomplishing [he sale of (ne Properry,
7 SELLER WARRANTIES. Excepr ;u lined in Paragraph 22, Seller represents and warrants rhat:
a. Seller is owner of rhe Properry or has writccn authority ro sign this Exclusive Aurhonurion and Righ[ (0 SeU.
b. Seller IS nor ","ware of any Notice of Defauh recorded against Ihe Properry, or any uncured def:lull in payments due under any 1000n secured by the
Pro perry or orher lien affeCting rhe Properry.
J. Seller is nur aware of any liligallon, ubirranon, adminurra[ive ","ClIon. govc:rnmenralmveHigation, or orher pending or threarened acrion invulving
Ihe Selier of the Properry whIch aITecr or WlCh lhe passage of lime will JITecr the Pruperty or the Seller's righl to
rrarufer or sell rhe Properry.
Seller is no[ aware of ~ny haz.ardous or roxic subsrances or underground storage lanks in, on or aITemng [he Pro perry, orher dun as disclosed hy
Seller in rhe Transfer Disclosure Statement.
f. Seller is not aWlire of any physiol, geological. soil. draInage or suuctural defeccs aITecting rhe Property, other rhan as d1SClosed by Seller in Ihe
Tnnsfer Disclosure S:'lemcor.
is Seller is no[ aware of any Improvements ro rne Properl)' which do nor conform wirh applicabk building ;J.Jld siIery, permit or wning rcquirtmenrs.
or wah public or pnvarc land usc resrricrions orher rhan as disclosed by Seller in rhe Transfer Disclosure SraremeJlI.
h. All rcprc.selllallons and w~rrantiC5 of SeLler shall survive rhe expiration, relnllnation, or clncellariun of thIS Agrecnlcol.
Selier agre.:.! to immed.. rc!y norify Broker in the eVCOr of any change ro lh.:se represenntions.
8. DISCLOSURE/COMI'LlANCEIINSI'ECTIONS, Seller ,lgrecl ro comply w;rh applicable Federal. Sr~re, and loc~1 l'C'luiremen[J Ilovcrnin~ (he Properry.
,ncJuda1l; but no[ limired to: (a) complellng a Real Estare Tranlfer Disdosure Smemrnc; (b) obraininll a Narur~1 Hazards Zone Disclosure and Property
J. O. rrporr; YES ( f ) (5fi1~ri InlTilllr) ScUrr authnri~s Broker ro order the leg:JJy required NJruraJ Haz~rr.I Zone Disclosure Sluement
~nci ~ccompanYJllg Properry J.D. D,.c1osllre reprlfl Seller'~ p.'ymtnl of rh~ $114 fe~ (or <:lId disclosure> and reporr wdl be deferred to rhe lU,TCSsfu! cia Ie of
es.:row (pnc~ of diSclosures and repor:, should Seller dr~tlo pay in adY:lnce, 199); (l) compienn:; a Lead-Based P~ilH uuc!osure; (d) com pIerinI: a Jlesidenri~J
E~rrbqu;Jke H;uards Reporr; (d obtaIning a properl)' reporr if requlled undo iocal ordinance; (I') mecrillg ~ny gnvernmelHal renofll standard, reqllired in
order tl' close escrow, unles> .he jJurch~sefs.le ~grccmelH provine, rb~1 the fluyer wdl meet rltose req"lfemenrl; and (g) aurhoming [he delivery of dirdosure
.Ind campli"nce rnformallon 10 the Buyel I3roko sllongly re~f1mmends thai Sdler require • Bu~r, 's .. eonditinn of sale, ro ha"e thorollgh profeSSional
illlpecllons of [he Properry (melueinl;, bur nor iimited cu, phY'Ic.l.1 Jnd geologlc~1 il1lpeclions).
9 SAfETY RI:QUIR:£MEI':TS. 5[.,e and IOlaJ I.w re[lulle lhe illSlJll.llinn of barners, ~Cc<> JJarms. self.latching mechanisms andlor olher m<asurt'. to
Ceere"" the mk to child:en .nd orh~r persons of exISting sWllnmlflg pools and hor cubs, as well as VHi\)us rire ,~fery and other measuI'CS concelnll1g orner
le.:ur,••1I1d aspects of tIlt Properry. C\)mpllOlnce rrquuemems differ from ':Iry 10 CIIY and eounry (0 cnunry. Coldwell Banker will nOI verify compliance
w"h my of Ihes~ mallCfS. EXCCPI ~5 ma)' b.: specified III the purchase ,'gree01enc, no arrangemencs will he made as parr of Ihe putchase anO sJle to make
anv chang~' In ,h~ Prop~rC)'. Sdkr is advised to con,.cc appro~riOlte profe~lon~1s and government.! agcnc:es for any required !uid:.nce wiri, re~~rd 10 ",hal
and wh~,her requin:m~nu app~ ro the Pruperty and, if app1Jahl~, chose r~qui,...,menrs h.vr bem met.
10 AGENCY RELATIONSHIPS. Broker s~aJlacr as the agent of Seller in any resulting Ir~nUCI;on Depending upon the carcumSllnces. II ,.,n
be neCClSHY or appropriate for BrOker ro acr as agent of both S~IJet and Buy~r. ~lchange parr)' or one or mote addlllonal Darr:~s. If
:lPI,l,c.,bJc, Brok~" ih:l1I. :H ::'.J11 :u pr:actic~~L.:. -:J,~:losr= r~ Seller any ~lec[lon to acr ;H ;a dual :1g~nt rcprcs:~:~;j~ both Sdl: • .:&112 Bd~"~
If rhe Properry is a residential dwelling with onc to four uniu, Broker shall provide agency rdallonsnlp, I1I~ciosures as required by law. Sellcr undcmands
rh~: Br~k<r m"y have or ob,aln lInings on orher properries ~nd rhar potenri,,1 buye" may eonslder, m"ke offers on. or
purcha,e chrough Brok~t property che same as or SImilar co Seller's Property. Se;Jer con,cnLS :0 Broker's representJ'ion 0: sellers and buyer> of other
prOperllC! beforc, dunng and .fcer ,he n:piratJon of ,his Agreemenc.
\ 1. MULTIPLE USTING AND INFORMATION SERVICES. Seller aurhorizes Broker to suomit li<ring and sales Il\formation to any muiliple hStlng
serVICeS ("MLS") Bro"er deems appropraate; place the lmi'\! on COLDWELL BANKER's :lndior orher In:erl1c[ Wodd Wid~ Wcb slles for accClS bl'
members of rh~ publoc and olner broker1; ;1J\d comply wich :>11 applicable rules of Ihoie services. ScllCI- authomcs Broker '0 use selling price and
phocographs of the Property in promotion:ll ucivicie~ of Braker following [he ule 0: che Property. and to videOtape Property :lnd 10 ma!Otaln ,ap~ :IS par;
of Brolccc's v,deorape library. Brolcer may abo provide IOforma<lon on rhls lISting and rcsLllring Cr:ln5:1CllOns, inc1uu!Og copIes of tnnucraor. doeum~Ol', as
may be r~qulted for lenaers. vendors, multiple listing/information services, and Broker's ecgul:ltoty, management and flOancial reqUIrements.
12. AFFILIATED SERVICES. If eicher Seller nr a Buyer designates Equity Tide Cornpany, Guardia.n Ticle Company, Firu Capital Corponrion. Cendanr
Mortgag~, ColdweU Banker Mortgage, West Coasc Escrow. Guardian Tide Escrow, Burrow ~crow. Mid-Exchange. AON Home W:lrranty, Propetr)· I.D
of California. or California Brokerage R~croli[(ing Company co provide services in connection wich the purchase, sale. or fInancing of ,he Property. Scll~r
aclmowledgcs chat (..) .;ud compOlnies arc owned in whole or in parr by Brolter's parenl company or by an eneity which is under common ownership or
conrrol with Broker; (b) neither party is required to urilized the ,ervices of any of said eompames unlen agrcc:d in the purch:»e agreement; (c) no
commitment or assurmce h:u been lTUde by Brolter or my rd.:lted party as to the avaiiability of flOancing from or rhrough said companu:s; and (d) Seller
has received from Broker a copy of Affiliated Busmes, Arrangemeor Disclosure Sratemelll. While any estimated durgcs reflecled therem arc beli~ by the
service prOVider co be accurate as of the day of preparlllOn, these charges :lll: subJect ro change based upon markec facmlS and the specific narun: of th~ services
involveri and selected. By r~ason of rhe foregoing. che euimate. 5et forrh shall not be bmding upon such companies or Broker, and Seller should. 10
connection wich Seller's selecrion of servia: provld~n. requesr specific information as ro rhe terms upon which speCIfiC SCrvlces may be available.
13. MEDIATION. Any elispute or claim in law or equity arISing OUt of this Ag~emellC shall be submicred to lIeutral, nonbinding mediarton before the
commencemeO( of ubllrarion. litigation or other proc~ding. Seller and Broker agtcC to participate In good faith in the mediation by and in accordanc~ with
tht rules of JAMS/ENDISPUTE or anuther mediatJon ptov,dcr on which rhe parries may agree. The .oarries shOll! share equa..lJy in lhe con of rhe mediauon.
14 ARBITRATION OF DISPlITES. Any dispute or claim relartng 50ldy tU the cnmml5sion payable co Broker under rhu Agreement, including the amount
of commission and wherher it has been C2rned, 5hall be decided by neulnl binding arbormion by and in accordance wich rhe rules of)AMS/ENDISPUTE
or ~no,ncr arb,rr:lUon provider on whIch the pareies may agree. :lOd nOt by coure action except as prOVided by CaJiforrua law fa, judici21 review of
arbltra,ion proceed.ngs. Judgment upon rhe :lward of the arbicralOr(s) may be emercd in any coun hning Jurl5dietlon. Th~ ubitraror(s) shall have no
Jurisdiction co make any awa,d in excess of the comrnusion. if :lny due under cht C<rms of rne Agreement together with interesl. if appropriate, and
rnsonable anorney's fees and com of the prevailing party.
NonCE: BY INITWlNG IN THE SPACE BELOW, YOU ARE AGREEING TO HAVE ANY DISPUTE ARISING OUT OF THE MATTERS
INCLUDED IN THE ARBITRATION OF DISPUTES PROVISION DECIDED BY NEUTRAL-\RBITRATJON AS PROVIDED BY
CAl1FORNIA UW AND YOU ARE GMNG UP ANY RIGHTS YOU MIGHT POSSESS TO HAVE THE DISPUTE LITIGATED IN A COURT
OR JURY TRIAL BY INITIALING IN TIlE SPACE BELOW, YOU ARE GMNG UP YOUR JUDICIAL RIGHTS TO DISCOVERY AND
AI'PEAl., UNLESS SUCH RJGHTS ARE SPECInCALLY INCLUDED IN THE ARBITRATION OF DISPUTES PROVISION. IF YOU
REFUSE TO SUBMIT TO ARBITRATION AITER AGREEING TO THIS PROVISION, YOU MAY BE COMPw..ED TO ARBITRATE
UNDER THE AUTHORITY OF THE CALIFORNIA CODE OF CIVlL PROCEDURE. YOUR AGREEMENT TO THIS ARBITRATION
PROVISION IS VOLUJI,iARY.
WE HAVE READ A.'1JD UNDERSTAND THE FOREGOING AND AGREE TO SUBMIT DISPUTES ARISING OUT OF THE MATTERS
INCLUDED I ~ N H ITRATION OF DISPUTES PROVISION TO NEUTRAl. ARBITRATION.
15. CANC.ELl.ATlON F CROW: In the cyenr this Agreement expires during Ihe rnm of an escrow which subsequencly cancds, Brolter shall have an
JddlclonaJ 30 days from che dace of mutu.Jly srgneo unccllarion InStruCtions during which ro nnrhr and solici, offers for rhe Property.
16. EQUAL HOUSING OPPORTUNlTY. The Property's offered in ~ompliance Wlch federal, scm, oLlld 10ClI antl-JLSerimmation laws.
17 SECURITI AND INSURANCE. SELLER AGREES THAT, (A) BROKER IS NOT RESPONSJBLE FOR THE LOSS OF OR DAMAGE TO
PERSONAL PROPERTY OR REAL PROPERTY, OR INJURY TO ANY PERSON, WHETHER ATTIUBUTABLE TO THE US! OF A KEY SAFE
OR OTHERWISE; (8) SELLER SHAll TAKE REASONABLE PRECAUTIONS TO SAFEGUARD, PROTECT, AND INSURE. VALUABLE
PERSONAL PROPERTY ITEMS THAT MIGHT BE ACCESSIBLE DURINC SHOWINGS OF THE PROPERTY; (e) SELLER HAS BEEN
ADVISED TO OBTAlN INSURA1'I/CE TO PROTECT SELLER AGAlNST THOSE RJSKS, AND IS AWARE THAT BROKER DOES NOT
MAINTAlN INSURANCE TO PROTEcr SELLER; AND (D) SELLER SHAll BE RESPONSIBLE FOR M'Y CLAlMS ARlSING FROM
INCORRECT INFORMATION SUPPLIED BY SELLER, WHETHER CONTAINED IN OR OMITTED FROM ANY DOCUMEr-.'T, OR
OTHERWISE. OR FROM A."I/Y MATERlAL FACTS WHICH SELLER KNOWS BUT FAILS TO DISCLOSL
Sel'er Ol'nowled~e1'~
I 11\"11' IIu; poge, w!1,th ,~MI\ P09t 301 4 Pogel. OHln USE ONLY
677 / 745
Seller's IlIIftil's ( / 1
i...oJ H.",,",; o,pon,wllI'. (j) R~&KcI J lIUl lI.......d~ ,-,,, 0.,.,... 00..
19. TAX COMPUANCEi LEGAL AND TAX ADVICE. Seller agrees co perform any aCI re:1Sonably requIred [0 carry our the provisions of FIR PTA (In:ern.u
Revmue Code ,445) ~nd CaHolII,a Revenue and Taunon Code 16805 and 26131, md regulwLlns [hereunder, Seller IS Informed rim BROKER
CANNOT PROVlDE. LEGAL OR TAX ADVlCE, and thaI IF SUCH ADVlCE IS DESIRED, SELLER SHOULD CO:-.lSULT AN APPROPRlA..TE
PIZOFESSIONAL
10. MANAGEMENT APPROVAL If dle terms of chIS A!reemen: are nOI approved b}' the m~oagemm, of Broker, Broker/M.nager has :he rig~r 10 cancel
,hiS agreemelH, In Wilting, wirhin 5 days after irs execu[lon.
11. MISCELlANEOUS. This Agreemenr (a) supersedes all prior d,scuulons. negotiations, and agreemenrs herween the pHlies concernIng Its general sub,ect
m,rrer; (b) ,h.1I he governed by .nd construed under the I.ws of Ihe State of California; (,) ,haJi bener.t and bllld the parties, Ihw heirs, personal
reprcs~nta[lve>, successors and 'SSlgns; (d) may be modirled only by a wrinng Signed by all parries; .nd {el may be execured In ewo or more counterporu.
n OTHER. _
23 ADDENDA ATfACHED. _
READ ALL OFFERS CAREFULLY The acrual rerms of a sale or orher tranlletions will be contamed in rhe ResldentiaJ I'urchue Agreemenr or orher
olTer and any (;ounter ofTer{,). Unless speciflCaJly excluded. tile sale of the Properry Includes all mineral nghts owned by the Seller. Seller is strongly urged
to carefully review rhe terms of :loy offer, including pnee, terms, condition of Properry. items ro be rep.ired or repl.eed by Seller. personal properry 'and
f,xrures induded in the cramawon, :lnd Seller's com ~uociared with rhe items for which SelJer is relponsible, Seller may WISh ro Iimir by Countcr Offcr
rhe items for which Seller u responsible, or the COSIS ~.ssoeiated with rhole irems.
f the propcny or haft the authority to cueute thiJ AgnemcDL I acltnowledgc that I haw read and undculaJId this
py.
"""0":"" Ad"'...
I /.L)/ .
/I-t-
Bu.nUi
;V C./(7vi)JJ .i1£
ApproYCd by:
Ma.nJoCtlnr,'1
I
I ilMWtd by Drat•• Onqlet
OffKE USE ONty OW _ --I
679 / 745 ~lon4 ('.....o-eu ibnan I· ...J Hous&nf; 0rp.nwnn,. ~ Rrr .... d G/02
Sdlcr h~:ln cis this Advisory. By signing below, Sdlrr :Ieknuwldg~ rcceipt of a copy of thl~ document.
~}1v/6i~ _
Srlk, 01llr: Sdk, Om
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h.nl N)lnc P"nl "-~lllC"
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AdcJ,n, 7l;h:phunlt
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Samaan v Zernik (SC087400) Los Angeles Superior Court
StNT BY: COl~~lL BANKER;
310 271 4634;
SEP· 04 4:01PM;
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SENT BY: COL~NELL BANKER; 310 271 4834; SEP -04 3:49PM; PAGE 2
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1. OFFER:
A. THIS IS AN OFFER FROM Nivie S4!H4D rBuyen
B THE REAL PROPERTY TO BE ACQUIRED IS a~scnt>ea as 320 S. Peck Prj,... ~, a.verly Hi.ll:s, C! 902U
___ _ . Anessor's Paroel N9 n~-024-023 . SItuated In
Beverly Hills
. County of LeI Angeles . (,a~fom ... rp"O~rN;
C. THE PURCHASE PRICE offered IS One Milll.on Su Bundr_d $eyenty Thounnd
. Dolla~ S 1,670,000,00
D. CLOSE OF ESCROW snail occur on October 15. 2004 (date) (or 0 Days Alter Acceptance)
2 FINANCE TERMS: Obtaining the loans below Is • contingency of thIS Agreement unless: (I) erther 2K or 2L IS chedCad below: or Iii) othefWise
agreed In Wflling Buyer shallac1 dn.gently ana In gOOd taith to obtain the desigl'\llted loans. Obta,""Q deposit. down payment and d06lng costs is not
a contingency. Buyer represents that tunds WIll be good when deposrted WIth Escrow Holder
A. INITIAL DEPOSIT: Buyer has gIVen a depasd In Ihe amount of. . $ 10 1 0 00. 00
to the agent submllltnQ lhe otter (or to LJ ). by personal dheck
for C I made payaOlt 10 _
",h,ch shall be held uncashed until Acceptance and Ihen deposited WIthIn 3 bUSIness days aller Acceptance
. (or :J .__ WIth ),
Escrow Holdel. (or 0 Into Broker'S lrusl account).
B. INCREASED DEPOSIT: Buye, shall deposit w.\I1 Escrow Holder an increased deposit m lhe amount of
w,thln Days Arter Acc6plance. or 0 _
$--------
C. FIRST LOAN IN THE AMOUNT OF .$ 1,336,000.00
(1) NEW First Deed of Trust In favor of lender. encumbenng the Property. secunng .. note payable at maxImum
",teresl of 5 , 500 Ok hxeo rate. 0' 5. 000 % mitial adjustable rate with a maXJmUm interest rate
of _ _ 9 ~ .~. balance due '" 30 years. amortaed OV~ 30 years Buyer shall
pay I~n tees:polnts not 10 exceed (These temns apply whether the deSIgnated loan
IS conventional FHA or VA )
(2) 0 FHA ~ VA iT he follOWIng terms only apply 10 the FHA or VA IOlIn that IS chedled)
=
Seller shall pay
no! to exceed S _ _ .
. _ 'V" d,scounl pOInts Seller shall pay other tees not allowed to be paid by Buyer.
Seller shall pay the cost of lender ~urred Repairs (mcludlng
those for wood oestroyHlQ pesll nol otherwISe provided for In thll Agreement, 0 not Ie elloeed
$ (Adualloan amount may mereU' if mortgage insurilnce premIUms, fundIng
tees or closrng costs are finanCed) .
D. ADDITIONAL FINANCING TERMS: :J Seller finanCIng, (CAR Form SFA); [ill secondary finandng .. $ 167,000.00
(.':: A R Form PM paragraoh 4A), [! assumed financmg (CAR Form PM, paragraph 4B)
684 / 745
Court File: "Volume IV Continued" L
Samaan v Zernik (SC087400) Los Angeles Superior Court
SENT 8Y: COLOHELL BANKER; 310 271 4834 j SEF ·04 3:50PMj PAGE 3
Propeny Address, ~;Q S feck un., Pc v ...1 y /1-113 CA 90212 , Dateseptw!her C 200(
C. Tenant"occupled property, (i) Property shall be vlcant at least 5 (or 0 ) Days Pnor to ClOSe Of Escrow, unless otherwise ~l'1Ied
In wrllng Note to Seller. If you are unable to deliv.,. Property vlcant in Iccora.nca with rent control anc! oUler .pplicable t..w. you lTliIy
be In breaCh of this Agreement
OR (ii) iii ched<ed) 0 Tenant to remain in !lossession. The attaChed addendum IS Incorpol7lled imo lt1is Agreement (CAR Form PM,
paragraph 3 I,
OR (iii) ilf enecked) [j This Agr_rTl1!nt is conlJn~nt uoon Buyer and Seller enlenng 1'110 a written agreement regarding OCClJpolnCy of the Propeny
WIth", the lime speafled In paragr.ph 148(1) If no wrrtten agreemenl IS reaChed Wlttlln thIS bme, either Buyer or Seller may canalllnts Agreement
In Willing
D. AI ClOse Of Escrow Seller assigns 10 Buyer any assignable warranty nghl5 for ~ems Included In the sale ana shaft provide an}' •• allab!e Ccpoe~
of such warrant'es Brokers cannot and will '101 delermlne lt1e ass'IlTlllbilrty of any warrantieS,
E. ~ Close Of Escrow unless otherwise agreed In Willing, Seller shall provide keys andlor means to operale all lOcks, mailboxes securrty systems,
alarms and garage door QQeners If Property IS a condominium or lOcated in a convnon interest sUbd",islOn, Buyer may be reQulfed to pay iI
depos~ to the Homeowners ASSOCIation rHOA') 10 obtain II.eys to ac:cessble HOA faCIlitIeS
4, ALLOCATION OF COSTS (If checked}: Unless other../l5e speclfoed here, thIS paragraph only determ,nes who IS 10 pay for the reporl Inspechon, lllSI
or servrce menllofled If not speofled here or elsewhere In thIS Agreement. the del8rmlniltron of who is to pay for any ~ork recommend~ 0' identified
by any such repor1 ,nspectlon tesl or servICe shall be by lhe methOd specifl8d 1M paragraph 148(2),
A. WOOD DESTROYING PEST INSPECTION:
(1) r:::
Buyer 0 Seller shall pay for an InspectIOn and report for wood destroying pests and organi!llTl$ ("Report") wtllCtl shall be prepared
by _ _ _ . a regIStered structural pest
control company The Report shall cover the acce5Slble areas of the me;" bulldtng and attached structures and, If
checked [J detachsd garages and carports, 0 detached dedls, 0 the following other structures or areas
_ _ _, . The Report shaU
not Include roof cove lings If Property IS II condominium or IOCaled In a common Inte'esl sUbdrvialOlt, the Report &l'lall ,"dude only the
sepa,ale .ntereSt and any eXClUSIve-use areas beIng transferred and shlill not ,ndude common areas, unless olt1erwise agf8ed Wak.er tests of
shower pans on upper level units fTllIy '101 be performed wrthout consent of the owne~ of property below the sh~r
OR (2) Qll (If checkfil) The attaChed addendum (C.A R. Form WPAI regarding wood deslroy1l'lg pest Inspection and allocation of cost is incorporaled
,"10 thIS Aoreement
B. OTHER INSPECTIONS AND REPORTS:
(1 I 0 Buyer r:i selle' shall pay to have septic or pllvate sewage dISposal systems inspected _
(2) 0 Buyer LJ Seller shall pay to have domestic wells tested tor water potab"lly and prodUdlvity _
(3) 0 Buyer [81 Seller shall pay lor a nalural hazard zone dlsclosune report prePllred by ..S""...1..1!LIo...r..,'''-'''ch'''-'''o''''4..c......... _
(4) C BUyl!! 0 Seller shall pay for the follOWing rlspedlOn or report _
(5) 0 Buyer 0 Seller shall pay for the followrnO,nspectlon or report _
C. GOVER~MENT REQUIREMENTS AND RETROFIT:
(ll 0 Buyer ~ Seller shall pay for smoke detector InSlallation andlor water healer braCIng. if requlled by l_. PIlor 10 Close Of Elaow, Seller
shall prol/lde Buyer a wrmen stalemenl of compliance In acco~nce witll state and local Law, unleSs exempt
(2) [J Buyer ~ Seller shoIll pay the COSI of comp~ano& with any other mln,mum mandatory govemmenl retrctit standards, IIIspections end
reports ~ reqUIred as a condrtion of dos'"9 escrow under any law, _
O. ESCROW AND TITLE:
(1) [2il Bwer [81 Seller shall pay escrow tee "'1~/... r .......LI;n...d.......l..../'-'2"---'.!I;r,.....
2o.......!.b"l\lLyl(;..... 1 ..1.... _
Escrow Holder shall be Un4eed r.i tl, E.!Ic;ro!!
f21 0 Buyer [g seller shall pay for owner's rrtle Insurance polley speCIfied on paragraph 12 Uni ted Ti tIe CompanyjTony CillhOan
Ownttr S title poliCy 10 be issued by _
IBuyer shall fl:ly for any trtle lMsuranoe COlley InsUllng Buyer's IlInOer, unless otherwISe agreed In wrilong I
E, OTHER COSTS:
(') 0 Buyer IX Seller shall pay County transfer tax or transfer fee _
(2) :J Buyer ~ Sellel shall pay City transfer tax or transfer fft
(3) 0 Buyer 0 Seller shall pay HOA Iransfer fefl _
(4) 0 Buyer r Seller shall pay HOA document preparahon fees _
(5) CBuyer l:i5' Seller shall pay the cosl. not to exceed S 350 00 , of a ohe-year home warranty plan,
Issued by FJ.rst American HQff!S Waromey/Don Green
w~h the follOWing ophon.l coverage
(6) C Buyer [1 Seller shall pay for _
(7) 0
Buyer 0 Seller shall pay for . __ .__~::_:,__----_,_ __- - -__- - - - - - - - - - - - - - - - - - - -
5 STATUTORY DISCLOSURES (INCLUDING LEAD-BASED PAINT HAZARD DISCLOSURES) ANO CANCELLATION RIGHTS:
A, (1) Seller shall ."thln the time specified In oaragraph UA. dehver to Buyer, if required by la.... (I) Federal Lead-Based Paint DiscIO~l'1Is and
pamphlel (" .ead D,sclosu,es', and OJ) dIsclosures or nollces required by sections t 102 el seq and 1103 et seq of the Cal~omla Civil Code
i' Slaillfory D;sclosures') Stalutory DlSclosurl!S 'nclude. bul are nol limited to, a Real Estate Transler Disclosure Statement rroS'}, Natural
Hazald DIsclosure Slalemen1 ("NHDI notl~ or aclual Knowledge of release of Illegal controlled substance, notioe of speaal lax and/or
assessmenls (or If allowed suosianhillly equivalent nohce regardlllg the Mello-Roos Communily Facillies Act and Improvement Bond Ad of
1915, lind ~ seller has actual knowledge, an Industrial use and mllrUlry ordnance locabon disclosure (C,A,R Form SSD)
(2) SI,yer shall ",Hh,n Ihe Irme specrfled In paragraPh '48(11 rei urn Signed Copies of the Slatutory and le.d DI~closures to Seller
(3) In If"le evert Seller pllor to Close Of Escrow, becomes awa'e of adverse condlllon5 matenally atteCllng the Property. or any matena'
,naccuracy '0 disclosures, Informatton 0' ,epresentattons pnevlously provided 10 Buyer of whld1 Buyer is olherwlSe unaware, Sefler 'hoIli
promptlY provlCle a sutlr.eQuent or amended disClosure or nollce, '" wnlln9. covenng those ,tems. !oiowever, subsequent or amended
disclosure snail not be required for conditions and mate nOli inaccuraci". dISclosed in reports orde d p.aid for by Buyer,
, RevIeWed by Dall!
)
)
I.
~
~=
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CALIFORNIA RESIDENTIAL PURCHASE AGREEMENT (RPA-CA PAGE 2 OF 8) Ib2119DO-ZFX
685 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court 5'
SENT BY: COLDWELL BANKER; 310 271 4834; SEF -04 3: 51 PM; PAGE 4/15
(4) Seller represenls mat all items Included In lhe purchase pnce unless otnerwlse specified. are owned by Seller.
(5) AU Items Inci.Jded shall be lransterred 'ree of hens and WIthOUt Seller warramy.
C. ITEMS EXCLUDED FROM SALE: . ~ _
686 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~
Property Address. 320 S peci PClY!! acv llr1 y #1. 1 1: CA 9Q212 Date: Sepcpmb.r C 200e
10. REPAIRS: Repan shall be completed pnor to fln.1 verification of condition unless otherwISe agrMd In wrling. ~Irs III be performed at Selers
expense may be performeCl by seller or through othe~. provided tnat the work c:on'lllhes with applICable Ln, ne:tud1nO govemmenlll permit. rnsp8dlon
and approval reqwement5 Repairs shaU be perfonnned In a good. skillfUl manner with matenalS of Q\lallly and appearal'lOl comparaDle to .:rlStmg
materials 11 IS understood thaI exad reSloralJOn 01 appearance or cosmetic items foUOWl"O II Repair.; rNy not De l)OSsible. Seller shall: (I) ob""n
receipts tor Repalls performed by others. (ii) prepare 8 wntten statement Indicating the Repai~ performed by Seller and the date 01 SlJch RepaIrs and
(iii) provide CopteS of recelDlS and statements to Buyer pnar to final verification of C%lnditlon.
11. BUYER INDEMNITY AND SELLER F>ROTECTION FOR ENTRY UPON F'ROPeRTY: Boyer sh., (i) keep the Property !Tee and dear of hens: (ii)
Repall 'III damage anslnQ from Buyer Invcstogahons' and (iii) Indemnify and'hold Seier hannless from all rlt$Ulung I~bilrty dams, demandS, damages
and costs. Buyer shall carry. 01 Buyer shall requlIe illlyune .alng on Bl:,ers behalf 10 carry. Du,;::!e! of :,at;liry, _ ...... re' -::omper~" -I'ld oll'ter
applic.able Insurance defending and proteding seller from lJabiltly for any InjUries 10 persons or property oCC\Jnrtng durw'lg any Buyer InveslJOatlOll5 or
wor1< done on the Property at Buyer'S dlrectton prror to Close Of E.scrow Seller IS advu.ed that certa,n protedlOrls may be afforded Seller by rec:ordlng ..
'Notlce of Non-responslblhty" (C A.R. Form NNR) for Buyer Investigations and work done on the Property at Buyer's dtreClIOn. Buyer's objigatlon~
unoer thiS paragf1lP~ shall survIve the termlnahon of thIS Agreement
12. TITLe "NO VESTING.
A WithIn Ina lIme sQecified in paragraph 14. Buyer shall be provided a current prehminary (title) report. WhICh is only an ofter by the tille Insurer \0
Issue a policy of title Insurance and may nol conlarl every rtem affeding title. Buyer's revIeW of the preliminary report and any other matters whICh
rr'.ay atfl!etlille are a contmgency of this Agreement as specified In paragraph 146. _
B. Title IS taken in ns present condn,on subject to 811 enCUmbrances, easements, covenants, c:onditions, restrictIOns. rghts and ()(hI!r maner.;. Whether
of record or not. as of the d8te of Acceptance exc&pl (I) monetary liens of record unless Buyer 1$ :assurmng those oblogallons or takIng the Property
subject to those obligations: and (II) those matters whld1 Seller has agreed to remove in wn\lng.
C Withll1 the tme specfled on paragraph 14A. Seklr has a duty to dISClose to Buyer all matter.; known to Seller aftectW1g title. whether of record or not
O. At Close Of Escrow. Buyer shall receIVe a grant deed conveYIng title (or. for stock cooperatIYe or Iong..erm Ielse. an a55tgnment of stock
certifIcate or of SeUers leasehold Interesl), IncludIng oil. mneral and water riQhts if currently owned by Seller. Title shall vest as designated In
Buyers supplemental esCfOw instructIons THE MANNER OF TAKING TITLE MAY HAVE SIGNIFICANT lEGAL AND TAX CONSEQUENCES
CONSUL T AN APPROPRIATE PROFESSIONAL.
E. Buyer shall receIve a elTA/ALTA Homeowners Policy of Tille Insurance. A tiUe company. at Buyer's request, can provide Information about the
availability. desirabiloly. covef1lge. and cost of vanous totle insurance coverages and endorsements. If Buyer desires title oovel'llge other than tl\at
required by thIS parlglaph, Buyer shall onsln.Jct Escrow Holdlt!' in writing and pay any increlse in cost.
1:3. SALE OF BUYER'S PROPERT't':
A. ThiS Ag~menl is NOT contongent upon the sale of any property owned by Buyer
OR B. 0 (II checked) The attaChed addendum (C.A R Form Cop) regardIng the contingency lor the sale of property owned by Buyer is incorporated
tOto thIS Agreemenl
14. TIME PERIODS: REMOVAL OF CONTINGENCIES; CANCEUATION RIG fITS: The follOWing lime periods may only be emnded, "tered.
modified or changlKl by mLJtUJII wntten agreement. Arry removal of contingencies or cancellation under this paragraph must be in wrftinV
(C.A.R. Form CR).
A. SELLER HAS: 7 (or U ) Days After Acceptance to delIYer 10 Buyer all reports, dIsclosures and information for whiCh Seller is
responSible under paragraphs 4. 5A and B 6A 7B and 12.
B. (1) BUYER HAS: 17 lor ~ ) Day I After Acceptance. unless otherwise agreed in w~. \0
(i) complete all Buyer Investigations: approve all Olsdosures. reports and other applicable infonNlbon. wtllch Buyer recehles from Seller: and
approve all fT111tlers a!'feet,ng the Property Cindudlng lead-baM:d pamt and lead·blIsed paint huard' as _II ill other Informatiorl lpecifllld in
paragraph ~ and Insurabolny of Buyer and the PropenYl: and
(ii' return 10 $eller Srgned COPies of Statutory and Lalld DlSclosuru delivered by Seller in accordance with paragraph SA.
(2) Wrthln the tome specifiec 111 148(1). Buyer may request that $eller make repairs or take any other actIOn regarding the Property (CAR. Form
RR I Sellel has no obligation to agree to or respond to Buyers requests
(3) By the end of the lIme specif,ed In 148(1) (or 21 for loan contingency or 2J II)( appraisal contingency), Buyer shall. ,n writi'lg, remove the
applicable contongency iC A R Form CR) or cancel thiS Agreement. However. il the folloWl'lg InspeCllons, reports or disclosures are not made
Within tN! h~ specified in 14A. then Buyer has 5 !or 0 ) Days after receipt of any such rtems, or the tme specified In
14B(I) whIChever IS later 10 remove the applicable contingency or cancel thiS Agreement in writing: (I) govemment-mandated Inspecrions or
reports reqUIred as a condrtion of clOSing, or (Ii) Common Interest Disclosures pursuant 10 paragraph 6B
C. CONTINUATION OF CONTINGENCY OR CONTRACTUAL OBUGATION; SELLER RIGHT TO CANCEL:
(1) Seller right to Cancel; Buyer Conllngenci..: Seller. after first giving Buyer a NotlOll to Buyer to Perform (as specified belOW). may cane.'
lhls Agreement In wnung and authOrize retum of Buyer's deposit If. by the lime specified In this Agreement Buyer does nO! remove in wrtIlng
ttoe applicable con~ngency or cancel thIS Agreement Once a~ c:ontlngencles have been removed. ta~ure or aiU1er Buyer or Seller to dose
escrow on lime may be a breach of thIS Agreement
(21 Continuation of Contingency: Even Oilier the expiratIon of the lime speCIfied In 14B(1). Buyer retaIns the right to make reque.blto ~lIer.
remove In wrlt1ng the applicable conhngency 01 cancel thIS Agreement until Seller cancels pursuant to 14C(1). Once Seller receIves Buyer's
wllllen removal of all conlJngenCles. Seller may not cancel thIS Agreement pursuant to 14C(1).
(3) Seller right to Cancel; Buyer Contract Obligations: Seller, after Itrst gl\ll"9 Buyer a Holoce to Buyer to Parform (as specified below). may
cancel th,s Agreement In wrllJng ano authorize return of Buyers deposit for any of the fOllow,ng reasons· lllif Buyer la,ls 10 deposit funds as
reqUIred by 2A 01 2B. (II) If tne funos depos,Ied pursuan: 10 2A or 2B are not gOOd when deposted; (iii) If Buyer fails to proVIde a Ieller as
requorPd by 2G (IV) rt Buyer faits to provide verification as reqUired by 2H or 2L: (v) il Seller rea50nably disapproves 01 the venflcalJon provided
by 2H Of 2L (Vi) If Buyer fa.ls to return Statutory and Lead D'scJ05ures as required by paragraph 5A(2J; or (vii) rr Buyer tails to s'll" or initIal.
~eparale IIQutOllted damage form tor an Increased deposil as requIred by paragraph 16 S.,ler is nDC f'lIqu,red to give Buyer I Nolie. 10
Perform regarding CION of Escrow
(4) Notice To Buyer To Perlomn: The NotICe to Buyer to Perform (e A R Form NBP) shall (i) be In wnhng; (ii) be SlgnlKl by Seier, and (iii) glv.
Buyel at leasI 24 for [J __ . _ ) hours I.or untillhe lime specifed In II'le apphcable pel'llgraph, whic~ever..9,FUrs last) to takt the applreable
action A Nottce ro Buyer 10 Perform may not be given any earlier lhan 2 Days Proor to the eXPlI'ation;&! ~pphCable trne for Buyer to remove
a contlngenr.y or cancellhlS Agreement or meet a 1403.1 obligation
G}
RPA-CA REVISED 10/02 (PAGE 4 Of 8) : Rev-.ed by Dale I .....,.... ,
.-.-
CALIFORNIA RESIOENnAL PURCHASE AGREEMENT (RPA-CA F>AGE 4 OF I) r61sQ2,11l.l.FX
687 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court -,
SENT BY; COLDWELL BANKER; 310 271 4834; SEP ·04 3:53PM; PAGE 6/15
Property Address l2..C.....S... PAck ~r.1Ye Beyc:r1'{ Hill" CA 9Q212 . Dale September f 20.,4
D. EFFECT OF BUYER'S REMOVAL OF CONTINGENCIES: If BlIYer removes, In wrttlng, any conlingency or cancellatIOn rights, unless otllerwlSl
specified" a separate wrmen agreement between Buyer an<! Seller. Buyer s~n conc;us.lIely be dHmed to t\ave (I) completed III Buyer
In\lE!sugahons, and review of report! and other aPPlicable informatIOn and dlsdosures pertammgto It\at conlingency or cancellallon right; (II) elected
to PlOceed wrtt'l It'le transac:!lon. and lUI) assumed ailliabiity. respon$lb~ity and expense lor Repan Of corree:tlonl pertll'\Ing to that conttng8!1CY or
~ncellauon ngt'll. or for inability to oblllln mancing
E. EFFECT OF CANCELLATION ON DEPOSITS: If Buyer or Seller \lives written nollce of cancellation pursuant to nghlS duly exercISed under the
terms of thIS Agreement. Buyer and Seller agtH to Sllln mutual IOstnldlOnS to cancel the sale and escrow and release depeW. less tees and
rosts. to the party entllted 10 lne funds Fees and costs may be payable to service proVIders anel vendors lor servces and produdS provided Dunng
escrow Release of lunOS will require mut~1 Signed re!.... instn::rettoNl h",;,m BL.,;r anrl seller. Jutlocilll dec..lon 0( arbitration _rd. A
party may be subject to II civil penalty of up to $1,000 for refusal to sign such Instructiol'lS If no good faith disp~ eXINit _ ttl WhO IS
enliUed to the deposited funds (Civil Code §1057.3).
15. FINAL VERI FICA flON OF CONDrTiON: Buyer shall have lIle riQhtlo make ;/ final inspection of \he Properly with,n 5 (Or 1 Day. Pnor
to Close Of Escrow NOT AS A CONTINGENCY OF THE SALE. but solely to confrm: (I) tile Property is malntalnll<l pursuant to p.af1lgf1lpn 7A. (ii)
Rep.lars t'lave been comp~led .s agreed: and (1111 Sel~r t'laS complJed with Seller's other obligatIons undef" thIS Agre.ment
16. L1aUIDATED DAMAGES: If Buyer fails to complete this purchase because of Buyer's default, Seller sh." retain,
as liqUidated damages, the deposit actually paid. If the Property is a dwelling with no more than tour units, one
of which Buyer intends to occupy, then the amount retained shall be no more than 3% of the purchase price.
Any exceS5 shall be returned to Buyer. Release of funds will require mutual, Signed release instructions from
both Buyer and Seller, judicial decision or arbitration awa • BUYER AND SELLER SHALL SIGN A SEPARATE
LIQUIDATED DAMAGES PROVISION FOR ANY INCR DEPOSIT. (C.A.R. FORM RID)
Buy.r. Init~1s Sell.,.. Initiliis
17 DISPUTE RESOLUTION:
A. MEDIATION: Buyer and Seller agree to mediille any dispute or claIm ar\slng belWlNn them out of thIS Agreement. or af"foj resulting tf1lnsaction.
belore resomng to ;/rbrtrat'on or court actIOn. Paragraphs 178(2) and (3) below epply whether or notlt'te Arbitration provisIon IS initialed ued.-t.on
lees. if any shall be dwlded equally among the parties mvotved ". tor any dispute or daim to whrc/l thIS paragraph applies. any party commences
an aellon without firsl Ittempllng to resolve the matter Ihrough mediation. or refuses to medIate after a request has been made. then tl'lll pany
shaa not be entItled to recover attomey lees. even if they would olherMn be available to that party on any suc/l adJOn THIS MEDIATION
PROVISION APPUES VVHETHER OR NOT THE ARBITRATION PROVISION IS INITIALED
B. ARBITRATION OF DISPUTES; (1) Buyer and Seller agree that any dispute or claim In Law or equity .rising
between them out of this Agreement or any reSUlting transaction, which Is not settled through mediation,
shall be decided by neutral, binding arbitration, Including and subject to paragraphs 178(2) and (3) below.
The arbitrator shall be a retired judge or justice, or an attorney with at least 5 years of I'8sidential real estate
Law experience, unless the parties mutually agree to a different arbitrator, Who shall I'8nder an award in
accordance with substantive California Law. The parties shall have the right to discovery in accordance with
California Code at Civil Procedure §1283.05. In all other respects. the arbitration shall be conducted in
accordance with ntle 9 of Part III of the California Code of Civil Procedure. Judgment upon the award of the
arbitrator(s) may be entered into any court having jurisdiction. Interpretation of this agreement to arbitrate
shall be governed by the Federal Arbitration Act.
(2) EXCLUSIONS FROM MEDIATION AND ARBITRATION: TIl. following matters .ra excluded from mediation and arbitration: (II- judicial
or noniudiclal foreclosu~ or other action or p~lng to enfon:e 1I d..-d of trust. mortgae- or ins~lIment land sale contnlet _ d1efinecl
in california Civil Code §2~B5; liil an unlawful detainer action; (/II) the filing or Imforcement of a mechanic's lien; and (ivl any m.tter that
is wIthin tne jurisdiction of .. prob:lta, .1NI1l claims or bankruptcy court. The filing of a court action to enllbla the recOrding of a notice of
pending action, for oreMr of atachment recelYership, Injunction. or other provisional rem.d~. shall not constitute .. walYer of the
mediation and arbitration provisions.
(3) BROKERS: Buyer and Seller agr.. to m.diallllnd arbitrate disputes or claims Involving eIther or both Brok.,.. consistent with 17 A
and B. provided eithl!r or both Brokers shall have agreed to such ml!diation or arbitration prior to, 01 within a reasonabfe tJme arter, the
disput. or claim is pre5ented to Broilers. Any electlon by either or both Brokers to partlci~e In mediation or IrbitraUon ItIlIII not ,.. .ull
in Brokers being deemed p8rties 10 the Ag... m~nt.
"NOTICE; BY INITIALING IN THE SPACE BELOW YOU ARE AGREEING TO HAVE ANY DISPUTE
ARISING OUT OF THE MATTERS INCLUDED IN THE 'ARBITRATION OF DISPUTES' PROVISION DECIDED BY·
NEUTRAL ARBITRATION AS PROVIDED BY CALIFORNIA LAW AND YOU ARE GIVING UP ANY RIGHTS YOU
MIGHT POSSESS TO HAVE THE DISPUTE LITIGATED IN A COURT OR JURY TRIAL. BY INmALING IN THE
SPACE BELOW YOU ARE GIVING UP YOUR JUDICIAL RIGHTS TO DISCOVERY AND APPEAL, UNLESS
THOSE RIGHTS ARE SPECIFICALLY INCLUDED IN THE 'ARBITRATION OF DISPlTTES' PROVISION. IF YOU
REFUSE TO SUBMIT TO ARBITRATION AFTER AGREEING TO THIS PROVISION, YOU MAY BE COMPELLED
TO ARBITRATE UNDER THE AUTHORITY OF THE CAUFORNIA CODE OF CIVlL PROCEDURE. YOUR
AGREEMENT TO THIS ARBITRATION PROVISION IS VOLUNTARY."
"WE HAVE READ AND UNDERSTAND THE FOREGOING AND AGREE TO SUBMIT DISPUTES ARISING
OUT OF THE MAnERS INCLUDED IN THE 'ARBITRATION OF DISPUTES' PROVISION TO NEUTRAL
ARBITRATION." Buy.r's Initials I r Selle,..s Initials
;> .,
688 / 745
Court File: "Volume IV Continued" )'
Samaan v Zernik (SC087400) Los Angeles Superior Court
SENT BY: caL~ELL BANKER; 310 271 4834; SE' ?-04 3:54PM; PAGE 7/15
Property Addre~ 32l' S fe.X DVV!! L <r 1 y Hil~3 ca 90212 _____ Date: September 4 2QDf
18. PRORATIONS OF PROPERTY TAXES AND OTHER ITEMS; Unless ottlerwJ5e agreed in writing, ttl. fO~OWIf'Ig ~ems sha~ be PAID
CURRENT and prorated between Buyer and Seller as of Close Of Escrow' real property 1axes and assessments. Interest, rents,
HOA regUlar speClal. dnd emergency dues and assessments imposed prior to Close Of Escrow, premiums on insurance assumed
by Buyer. payments on bonds and assessments assumed by Buyer, and payments on Mello-Roos and other Special Assessment
Dlslnct bonds ano assessments that are nO\N a lien. The lollowmg items shall be assumed by Buyer WITHOUT CREDIT taward the
purchase price: prorated payments on Mello-Roos and other Speaal Assessment Distnet bonds and assessments and HOA speoal
assessments that are now a lien but not yet due. Property will be reassessed upon change of ownershrp. Any supplemental tax bills
shall be paid as follows (\) for_per!ads after Clo!le Of EsCl'OYt'. by Buyer, and (ii) lor penods poor to Close Of Escrow. by Seller. TAX
BILLS ISSUED AFTER CLOSE OF ESCROW SHALL BE HANDLED DIRECTLY BETWEc:r,j BuYER AND SELLER Pro1C!t:O"'! Shllll
be made based on a 3D-day monlh
19. WITHHOLDING TAXES; Seller and Buyer agree to execute any Instrument. affidavit, statement or instruction reasonably necessary
10 comply With federal (FIRPTA) and California withholding law, if required (CA.R. Forms AS and AS).
20 MULTIPLE LISTING SERVICE ("MLS"): Brokers are authorized 10 report to the MLS a pending sale and, upon Close Of Esaow, the
terms of thiS 1I,mSaCllon to be published and dissemlOated to persons and enllties authonzed to use the information on terms
approve<:! by the MlS
21. eaUAl HOUSING OPPORTUNITY: The Property is sold in compliance with federal. s1i1te and Iocalanti-discnmmahon Laws.
22 ATIORNEY FEES: In any action. proceeding, or arbitration between Buyer and Seller arisltlg out of this Agreement. the prevaiting
Buyer or Seller shall be entrtled 10 reasonable attorney fees and costs from the nOll-prevailing Buyer or Seller. except as prOVIded in
paragraph 17A
23. SELECTION OF SERVICE PROVIDERS: If Broken; refer Buyer or Seller to persons. vendors, or service or product providers
('PrOViders'). Broker~ do not guarantee lhe performance of any PrOViders. Buyer and Seller may select ANY Provid«s of their own
choosing.
24. TIME OF ESSENCE: ENTIRE CONTRACT; CHANGES: Time is of the essence. All understandings between the parties are
incorporated In th,s Agreement. Its terms are Intended by the parties as a final. complete and exdusive expression of their
Agreement wrth respect to its subJect malter. and may not be contradicted by evidence of any prior agreement or contemporaneous
oral agreemenl If any prOVISion of this Agreement is held to be ineffective or invalid, the remaining provisions will neverttlelen be
gIven full force and effect Neither this Agreement nor any provision in It may be extended. amended, modified, .Itered or
changed, except in writing Signed by Buyer and Seller.
25. OTHER TERMS AND CONDITIONS. including al18ched supplements:
A. 0 Buyer's Inspection AdVISOry (CAR. Form BIA)
B. 0 Purchase Agr!,!ement Addendum (CAR Form PM paragraph numbers:
C. Sellcor to pay buyers clo"inq CQ"t" j,n AD &mQWlt not to MCa<td 2' (two percent) or c:be fi.nal
purclla.se price Seller.i, ....ar. We buyer hqlcH: • C.l.itom,i. Rgl E#C;aCc LicIW".
689 / 745
Court File: "Volume IV Continued" q
Samaan v Zernik (SC087400) Los Angeles Superior Court
SENT BY: COL~~ELL BANKER; 310 271 4834; SE' 2-043:55PM; PAGE 8/15
Property Address 32(1 S Peci< ~ ,;.;1 Y Hil i s CA 90212 Dale: Sept.per 4 ZOO,
27. AGENCY.
A. DISCLOSURE: Buyer and Seller each acknowledge pllor receipt 01 CAR. Form AD 'Oisdosure Regarding Real Estate Agency
RelaTionships
B. POTENTIALLY COMPETING BUYERS AND SELLERS: Buyer and Seller each aCknowledge recetpt of a disclosure 01 the
possibility of muillple representalton by the Broker representing that pr~Clpal. ThIS discloMJre may be pan of a listing agreement,
buyer-broker agreement or separate document (C.A.R. Form DA) Buyer understands that BrOker representing Buyer may also
represent other potential buyers. who may ronsider. make oHers on or ultimately acquire the Property. Seller understands that
Broker representing Seller may'also rep'resent other sellers With compehng properties of interest to thiS B:.ryer
C CONFIRMATION: The follOWing agency relahonshlps are hereby confirmed for thiS transaction:
Listing Agent ,. Coldwell Bank" (Pnnt Firm Name) IS the agent
of (ched one) [).j the Seller exclUSively: or 0 both the Buyer and Seller.
Seiling Agenl GiUertn Griffi.n R..ltor.s (Pnnt Flrln Name) (if not same
as lis\lng Agent) is the agent of (check one): Qillhe Buyer exclusively: or 0 the Seller excluslVety·, or 0 both the Buyer and
Seller Real Estate BrOKers are not parttes to the Agreement between Buyer and Seller.
28 JOINT ESCROW INSTRUCTIONS TO ESCROW HOLDER:
A. The follOWing paragraphs. or applicable portions thereof, of this Agreement constitute the joint escrow instr\Jctions of
Buyer ;md Seller to Escrow Holder, which Escrow Holder IS to use along with any related counter offers and addenda. and any
additional mulual instructions to close the escrow' 1, 2. 4. 12.. 13B, 1.E, 18. 19. 2<4. 256 and C, 26, 28. 29, 3:2A. 33 and
paragraph D of the section lltled Real Estate Brokers on page 8. If a Copy of the separate compensation agneement(s) provided
for If) paragraph 29 or 32A. or paragraph D of the section titled Real Estate Brokers on page B is depoSited with EsC/ow Holder
by Broker, Escrow Holder shall accept such agreement(s) and payout from Buyer's or Seller's funds. or both, as applicable, the
Broker's compensation prOVided for In such agreement(s). The terms and o:mdllions of this Agreement not set forth in \tle
specified paragraphs are additional mailers for the information of Escrow Holder. but about which Escrow Holder need not be
concerned Buyer and Seller Will receive Escrow Holder's general prOVisions directly from Escrow Holder and will elCecute such
prOVISiOnS upon Escrow Holder's request. To the extent th~ general provisions are inconsistent or conflict with this Agreement.
the generi'll prOVISions Will control as to the duties and obligations of Escrow Holder only, Buyer and Seller will execute additional
Instructions, documents and forms prOVided by Escrow Holder that are reasonably necessary to close the escrow.
B. A Copy of thiS I"-greement shall be delivered to Escrow Holder within 3 business days alter Acceptance
(or r:J ). Buyer and Seller authorize Escrow
Holder to accept and I ely on COpIes and Signatures as defined ,n this Agreement as originals, to open escrow and for other
purposes of escrow The validity of this Agreement as between Buyer and Seller is not affected by whether or when Esaow
Holder Signs thiS Agreement
C. Brokers are a pany to the escrow for the sole purpose of compensation pursuant to paragraphs 29, 32A and paragraph 0 of the
section titled Real Estate Brokers on page 8, Buyer and Seller Irrevocably assign to Brokers compensation speCIfied in
paragraphs 29 and 32A. respectively. and irrevocably Instruct Escrow Holder to dIsburse those funds to Brokers at Close Of
Escrow or pursuant \0 an'; other mutually executed cancellation agreement. Compensation Instructions can be amended or
rel/oked only With the wnnen consent of Brokers Escrow Holder shall Immediately notify Brokers: <I) if Buyer's initial or any
additional depos,t IS not made pursuant to this Agreement. or is not good at time of deposit with Escrow Holder; or (iI) if Buyer
and Seller instn.Jct Escrow Holder to cancel escrow
0, A Copy of any amendment that affects any paragraph of this Agreement for which Escrow Holder IS responsible &hall be
delivered to Escrow Holder withrn 2 business days after mutual execution of the amendment.
29. BROKER COMPENSATION FROM BUYER: II applicable. upon Close Of Escrow. Buyer agrees to pay compensalioo to Broker 85
specif,ed In a separate written agreement between Buyer and Broker.
30. TERMS AND CONDITIONS OF OFFER:
This IS an offer to purchase the Property on the above terms and condilJons. All paragraphs with spaces for Inlhals by Buyer and
Seller are Incorporated In thiS Agreemenl only if initialed by an panies. If at least one but not all parties initial. a counter oHer is
reQurred until agreement IS reached Seller has the nght to contmue to offer the Property for sale and to accept any other offer at any
time prior 10 notlkalion of A=ptance Buyer has read and aCknowledges receipt of a Copy of the offer and agrees to the above
conflrmallon of agency relationships. If thiS offer IS accepted and Buyer subsequently defaults. Buyer may be responSible for
payment of Brokers compensa!lon ThiS Agreement and any supptement. addendum or modification. including any Copy. may be
Signed In fWO or more counteroarts. all of which shall constitute one and the same writing.
1/'0
~ )[
Buy@r's IMlals (
690 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
(0;
SENT BY: COLDWELL BANKER; 310 271 4834; SEf )·04 3:56PM; PAGE 9/15
Property Address: 12' S Pc;cA: Dnye ly Hi1l3 ca 90212 Date Sept_bar 4 212.Q.t
31. EXPIRATION OF OFFER: This offer shill be deemed revOked and tne depoSit 'NIlI be relurned unleSS !he after _ Signed by Seller end a Copy of 111.
Signed offer IS personally recerved by Buyer. or Oy . wt\()"
authortZe<l to receive It Oy 5.00 PM on tile third c:.alendar day al'ler lI'11s offer 15 Signed by Buyer (or. ~ Checked 0 by
cz... 0 0
~
AM PM)
Dale q -qif)c,'Z '.. ..
D<al.
(date) .000t
_
BUYER __ .!f(LLti ~ BUYER
Nivi. s~
'Flint Namel (Print Namel
1227 1/2 s. ~£Ied ~treet, Lo~ Anqeles CA 90035
(Address)
32. BROKER COMPENSATION FROM SELLER:
k Upon Close Of Escrow. 5.lIer agrees to polly compensatIOn to Broker ilS speafled in • separate wfltten agreement between Seller and Bro".r
B. If escrow does not cJo~ COmpensallon 15 pay~1e as specified /n that separate written agreement.
33 ACCEPTANCE OF OFFER: Seller warrants that Seller is lhe ownar or the Property. or has tile authonty to elCeeute thas Agreement Seller accepts the
above oHer. :!grees !O sell lhe Property on lhe .bOW! terms and conditions. and agrees to the above confirmatIOn of agency relatIOnships Seller has
read and ac~no""leages receipt or ill Copy of thiS Agreement. and authorIZes Broker to deliver a Signed Copy 10 Buyef
; ] (If cl\ecl<ed) SUBJECT TO ATTACHED COUNTER OFFER, DATED _ _ -
Date _ Date _
SELLER SEUER
Jo".eph ZerniJr
(Print Name) (Prtnt ~fM)
{Addrns)
I CONFIRMATION OF ACCEPTANCE: A Copy of Signed Acceptance was personany recerv.cl by Buyer or Buyer'. au1horized
. ·--tl-ntia-'s-j--
agent on tdlllej at 0 AM 0 PM. A binding Agreement is created when
a Copy of Signed Acceptance Is personally received by Buyer or Buyer's lIuthonz.d agent whetner or not confirmed in
this document. Completion of this confirmation is not legally required in order Ie create. binding Agreement; It is aolely
intended to evidence the dlile that Confirmation of Acceptance has occurred.
\ __ : _ - ) REJECTION OF OFFER: No counter of'fer IS being made ThiS offer was revl4!wtld and relected by Seller on
:Sellers Initials) fOale)
.>-'15 FORM HAS BEE N APPROVED BY THE CA.llFORNIA A.SSOClA TlON OF REAL TOR~ IC A R ) NO REPRESENTATION IS MADE "S TO THE LEGAl I/AllD4TY OR
ADEOUACY OF ANT PROVISION IN AN V SPECIFIC TRANSACTION A REAL ESTATE 8ROl<ER IS lHE PERSON QUALIFIED TO ADVlSe ON REAL eS1ATE
lRANSACTIONS IF YOI) rJ~~IRE l E'GAl OR TAA ADVICE CONSULT AN APP~OPRIATE PRorESSIONAL
n., {Of"Tl IS a.a+:aC"e ior ,"~ I:y I.,.. enbr~ rf!.f eslale oMuslry It IS net ,nlended 10 ,~ntl!y !M use' as a REAl TOR(!l REAL TO~ 's a r~l!tered colle::tlYe memllersn'D mark
,r ::1' may be us~ only 0,' n·em".;rs o~ N ~ TIONAl ASSOCIA flON or REAL TOR~ WIlO subscribe lO'~ Cooe 01 Elll'CS
(SLREi'\ I ~J.'ej
'he ,.,<l~""'l{' ~Ul!"''''
RPA.CA REVtSED '0/02 (pAGE 6 OF 8)
Publlslled by tile
Calrforna Assoclatron of REAL TORSJl: [ RevM!'Wlle by Dale 1_-
!5:r
.....T...U
691 / 745
Court File: "Volume IV Continued" ,r
Samaan v Zernik (SC087400) Los Angeles Superior Court
SENT BY: COLrn~LL BANKER; 310 271 4834; SEr '-04 3:57PM; PAGE 10/15
i'
CALIt-OTtNr"
AS~()CI."'Tl0N
t
BUYER'S INSPECTION ADVISORY
OF RF.AL'lOfl..S
~
(C.A.R Form BIA. ReVised 10102)
A. IMPORTANCE OF PROPERTY INVESTIGATION: The physlcsl condition of the land and improvements being purchased IS not
guaranteed by either Seller or 8;o~ers For thIS reason, yau :;ilouid condwC1thorough investigations of the Prooerty oe~nally and witt:
professIonals who should provide wnllen reports of their investigations. A general physical inspection typICally does nol cover all aspects
of the Property nor Items affecting the Property that are not physically located on the Property. If the professionals recommend further
Investigations. Including a recommendalion by a pest control operator to Inspect inaccessible areas of the Property, you should contact
Qualified experts to conducl such addItional investlgahons.
B. BUYER RIGHTS AND DUTIeS: You have an affirmative dUty to exercse reasonable care to protect yourself, mcluding discovery of
the legal, practical and technical ImpilcalJons of disclosed facts. and the investigation and venfication of Information and facts that you
know or that are Within your diligent attention and observalion. The purchase agreement gives you the right to investigate the Property. If
'Iou exercise thiS rrghl. and you should. you must do so In accordance with the terms of that agreement. This is the best way for you to
protect yourself. It IS extremely Important for you to read all written repor1s provided by profeSSIonals and to discuss the results of
Inspections With the profeSSional who conducted the inspection. You have the right to request that Seller make repairs, correctIOns or
take other action hased upon Items discovered in your investigations or disclosed by Seller. If Seller is unwilling or unable 10 satisfy your
requests. or you do not wanl to purchase the Property in its disclosed and discovered condition, you have the nght to cancel the
agreement if you act Within specific lime periods If you do nol cancel the agreement 10 a timely and proper manner. you may be In
breach of contract
C. SELLER RIGHTS AND DUTIES: Seller is required to disclose to you material facts known to him/her that affect the value or
deSirability of the Property. However, Seller may not be aware of some Property defects or conditions. Seller does not have an obligation
to Inspecl the Property for 'lour benefil nor IS Seller obligated to repair, correct or otherwise cure known defects that are disdosed to you
or preViously unknown defects thal are discovered by you or your inspectors dunng escrow. The purchase agreement obligates Seller to
make the Propeny available 10 you for investigations.
D. BROKER OBLIGATIONS: Brokers do not have expertise In all aTeas and therefore cannol advise you on many items. such as soil.
stability. geologiC or environmental condillons, hazardous or illegal controlled substances, structural conditions of the foundahon or other
improvements, or the condition of the roof, plumbing, heating, air conditioning. electrical. sewer, septic. waste disposal. or other system.
The only way to accurately determIne the condition 01 the Prooerty is through an inspection by en appropriate professional selected by
yo'u If Broker gives you referrals to such professionals, Broker does not guarantee ltIeir performance. You may select any professional
of your chOOSing In sales involVing residential dwellings with no more than four units, Brokers have a duty to make a diligent visual
,"specllon of the accessihle areas of the Property and to disClose the results of that Inspection. However. as some Property defects or
cond.tlons may ·not be discoverable from a Visual Inspection. it is possible Brokers are not aware of them. If you have entered into a
written agreement I/I/Ih a Broker, the specific terms of that agreement will determine the nature and extent of that Broker's duty to you.
YOU ARE STRONGLY ADVISED TO INVESTIGATE THE CONDITION AND SUITABILITY OF ALL ASPECTS OF THE PROPERTY. IF
YOU DO NOT DO SO. YOU ARE ACTING AGAINST THE ADVICE OF BROKERS.
E. YOU ARE ADVISED TO CONDUCT INVESTIGATIONS OF THE ENTIRE PROPERTY, INCLUDING. BUT NOT LIMITED TO THE
FOLLOWING:
1. GENERAL CONDITION OF THE PROPERTY, ITS SYSTEMS AND COMPONENTS: Foundahon. roof, plumbing, heating. air
conditionrnq, electrical. mechanical. security. pool/spa. other structural and non-structural systems and components. fixtures.
bUill-in appliances. any personal property included In the sale. and energy efficency of the Property. (Structural engineers are best
SUited to determine possible design OT construction defects and whether improvements are strudurally sound.)
2. SQUARE FOOTAGE, AGE. BOUNDARIES: Square footage, room dimenSions. lot sIZe. age of improvements and boundaries. My
numerical statements regarding these Items are APPROXIMATIONS ONLY and have not been verified by Seller and caMol be
venf.ed by Brokers Fences. hedges, walls, retaining walls and other natural or constructed barriers or markers do not necessarily
Identify Irue Property boundaries. (ProfeSSionals such as appraisers, architects, surveyors and civil engineers are best suited to
determine square foolage. dimenSions and boundaries of the Proper1y.)
3. WOOD DESTROYING PESTS: Presence of. or condihons likely to lead to the presence 01 wood destroying pests and organisms
ilnd other InfestatIOn or InfectIOn. InspectIOn reports covering these Items can be separated Into two sections: Section t ,denlmes
Meas where InfestallOn or InteCtlOn IS eVident. SedIon 2 Identifies areas where Ihere are conditions likely to lead to Jnfel;\alion or
,nfection A registered structural pest conlrol company IS besl suited to perform these Inspections.
~
machine or IInv other means InCluding facsKnlle or compulenzed formals Seller's Initials ( )(
Copyrrght ~. 199' ·2002 CALIFORNIA ASSOCIATION OF REAL TORS.!: : I
INC ALL RIGHTS RESERVED I Rrv",,,od by Oole _ _ . .--
..... 1. . '·
BtA REVISED 10102 (PAGE 1 OF 2)
•
692 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
rz.-
SENT BY: COl~Ell BANKER; 310 271 4834 j SEF -04 3:57PM; PAGE 11'15
Property Address 320 SPeck r>nn. b~ .. erly 11.. 116, CA 90212 Dilte: S'Rt-h-c" 2004
4. SOil STABILITY: EXistence of fill or compacted soil. expanSIVe or contracting soil, susceptibility to slippage, settling or movement,
and the adequacy of drainage. (Geotechnical engineers are best suited to determine such conditions, causes and remedies.)
5. ROOF: Present condition. age, leaks. and remaining usetullife. (Roofing contractors are best suited to determine these conditions)
6. POOUSPA: CracKs leaKS or operational problems (Pool contradors are besl suited to deterrmne these conditions.)
7. WASTE DISPOSAL: Type, Size, adequacy. capaCIty and condition of sewer and septIC sYStems and components. connedlon to
sewer, and applicable fees
B. WATER AND urlUTES; WEll SYSTEMS AND COMPONENTS: Water and utility availabWty, use restrictions and costs. Water
quality. adequacy. condition. and perfonmance of we~ systems and components
9. ENVIRONMENTAL HAZAR-OS: Potential enl/l,unmental :lilZar::ls. including. OL" ~::lt :imi'::ld to, asbestos, lead-based paint and other
lead contamination, radon. methane, other gases, fuel oil or chemical storage tanks, contammated soil or water, hazardous waste.
waste disposal Sites. electromagnetic fields. nuclear sources, and other substances. materials. products. or conditions (inclUding
mold (alrbome, tOXIC or otherwise), fungus or SImilar contaminants). (For more information on these Items, you may consult an
approprrate profeSSional or read the booklets "Environmental Hazards: A Guide for Homeowners, Buyers, Landlords and Tenents,'
"Protect Your Family From Lead in Your Home- or both)
10. EARTHQUAKES AND FLOODING: Susceptibility of the Property to earthquake/seIsmic hazards and propensity of the Property to
flood. (A Geologist or Geotechnical Engineer IS best suited to provide information on these conditions.)
11. FIRE, HAZARD AND OTHER INSURANCE: The availability and cost of necessary or desired insurance may vary. The location of
the Property in a seismiC flood or fire hazard zone, and other conditions, such as the age of the Property and the cJiums history of
Ihe Property and Buyer, may affect the availability and need for certain types of insurance. Buyer should explore tnsurance optIOns
early as this Informallon may affect other deCISions. Including the remol/al of loan ;dnd inspection contingenCIes. (An Insurance agent
is best suited to provide Information on these conditIons.)
12. BUILDING PERMITS, ZONING AND GOVERNMENTAL REQUIREMENTS: Permits, inspections, certificates. zoning, other
govemmental limitations. restrrctlons. and reqUirements affecting the current or fulure use of the Property, its development or sIZe.
(Such informallon is available from approprrate govemmental agencies and private information providers. Brokers are not qualired to
review or interpret any such Information.)
13. RENTAL PROPERTY RESTRICTIONS: Some CIties and counties impose restrictions that limit the amount of rent that can be
charged, the maximum number of occupants: and the right of a landlord to terminate a tenancy. DeadbOl1 or other locKs and security
systems for doors and windows, Induding window bars. should be examined to determine whether they satisfy legal reQuirements.
(Government agencies can prol/lde infonmatlon about these restrictions and other requirements.)
14. SECURITY AND SAFETY: State and local Law may require the installation of barriers, access alarms, self-latching mechanisms
and/or other measures to decrease the nsll: to children and other persons of eXisting swimming pools and hot tubs, as well as various
fire safety and other measures conceming other features of the Property. Compliance requirements differ fnom city 10 city and county
to county. Unless specifically agreed, the Property may not be in compliance with these requirements. (Local government agencies
can proVide infarmatloo aboullhese restrictions and other requirements.)
15. NEIGHBORHOOD. AREA, SUBDIVISION CONDmONS; PERSONAL FACTORS: Nelghbortlood or area conditions, including
schools. prOXimity and adequacy of ~w enforcement. cnme statistics, the proximity of regIStered felons or offenders, fire protection.
other gOl/emment services. availability. adequacy and cost of any speed-wired, wireless internet connections or other
lelecommunlcalions or other ledmology services and Installations, proximity 10 commercial, industrial or agncultural ae:tJvltles.
existing and proposed transportation. construction and del/elopment that may affect I1Olse, view, or traffIC. airport noise. noise or odor
from any source. wild and domestic animals, other nuisances, hazards. or circumstances, protected species. wetland properties,
botanical diseases. histonc or other governmentally protected sites or im~lrovements. cemeteries. facilities and COnditIOn of common
areas of common Inlerest subdiVisions. and pOSSible lack of compliance with any governing documents or Homeowners' Association
requirements, conditions and influences of significance to c:ertain cultures and/or religions. and personal needs, requirements and
preferences of Buyer
Buyer and Selle< acknowledge and agree thai Broker li) Does not decide what pnce Buyer should payor Seller sl10uld aCCl!l't: (i1) Doell not
guarantee the condillon of the Property (ill) Does not guarantee the performance. adequ..cy or completeness of inspections. leM<:eI, proch-=tl or
reparrs prOVided or made by Seller or others; lil/) Shall net be responsible for identifying defects that are not known to Broker and ,a) are not visually
observable m reasonably acceSSible ..reas of the Property: (b) are in common areas: or (e) Ire off the sile of the Property; (v) SIlal not be
,esoonsible fOI onspec.l,ng publiC records or permtts concerning the title or use of Property: (vi) Shall not be responSible for identifying the locatIOn of
bOundary lines or other rtems aflectlng title: (vii) Shal not ~ responsible for I/erifying square footage represent.tlons 0'
othel'S or information
conlalned In InvestlgallOn reports MU'~ LlslJng Service. advertISements. flyers or other promotional material: fvlli) Shall not be rrnponslble lor
providing legal or 13K adVice regardIng any aspect of a lranuoion entered ,nlo by Buyer or Sder: and fiX) Snau not be responsible for providing
other adVice or Information thaI exceeds the knowledge, eduClllion and experience required to periorm real e~tate hcensed activity. Buyer and seller
agree 10 seek lega,. tax Insurance trtle and other oeslred assistance from appropnate profeSSIOnalS.
By signing below. Buyer and Seller each acknowledge that they have read. understand, accept and have received a Copy of
this Ady~ry. B U Y ~ t oread it carefully.
! 4JU
BWer'Slgnature '.
. C/-q-ZYd-
Date Buyer Signature Date
Samaan
Gl
TRANSACTIONS IF YUU DESIRE LEGAL OR TAX AaVICE CONSULT AA APPROPRIATE PROFESSIONAL
n"s l(1rr- '. ""allable fo, uSC ~... Ihe ;lMl·re 'eal .,SIale ndll.,ry II,S nol onienOllo:l to lCleOI.ry tile user as a REAL TOR«> REAL TORe 15 a ~1~ler"" COIIecltve memtle<Wno rna, •
•\tllr.~ tray Of usea onl,' :>00. men'D<!rs (1f me NA T10NAL '"SSOCIA nON OF REAL TOR5*lwho suDScnce to Its COOe cT ElnlCS
~~=~
Sl:J$~. .. .
.~. PUblIShed by the
C;ahforn,a ASSOCllllion of REALTORS:!: ! R"lIl~ed by - - - - aate I =-=
- -
693 / 745
Court File: "Volume IV Continued" t}
Samaan v Zernik (SC087400) Los Angeles Superior Court
5ENT BY: COLDWELL BANKER; 310 271 4834; SEr ~·04 3:59PM; PAGE 12/1=
i~
ChllrnRNIA
WOOD DESTROYING PEST INSPECTION AND
.~SSc)C'''TI()N
• A. 0 Buyer DO Seller shall pay for a Pest Control Report for wood destroYing pests and organisms only ("Report').
The Report shall be prepared by Selll!X:I choice , a registered structural pest
conlrol company. who shall separate the Report Into sections for evident infestation or infection (Section 1) and for
conditions likely to lead to Infestation or infection (Section 2). The Report shall cover the main building and attached
structures and. If checked: ~ detached garages and carports, 0 detached decks, 0 the following other structures
on the Property _
The Report shall not Include roof coverings. If the Property IS a unit in a condominium or other common interest
• subdivIsIon. the Report shall include only the separate interest and any exclUSive-use areas being transfenred, and
shall not Include common areas Water tests of shower pans on upper level units may not be performed unless the
owners of property below the shower consent If Buyer requests inspection of inaccessible areas, Buyer shall pay for
the cost of entry. Inspection and clOSing for those areas. unless otherwise agreed A wrrtten Pest Control Certification
shall be Issued pnol lO Close Of Escrow, unless otherwise agreed, only if no infestatton or infection is found or if
required corrective work 15 completed
»
B. (Section 1) =:J Buyer ~ Seller shall pay for work recommended to correct 'Section l' conditions described In the
Report and the cost of Inspection, entry and clOSing of those InacceSSIble areas where active infestation or Infection
IS discovered
(Section 2) ~ Buyer 0 Seller shall pay for work recommended to conrect "Sectton 2" conditions described in the
Report if requested by ~uyer
• By signing below, the undersigned acknowledge that each has read, understands and has received a copy of this
Addendum. .
•
/'}
Buyer
~'/
( 4,,1{f
Hi v1e Samaan
I~~ Seller -::-_----:----=_---:-:--
Jo~epb Zernik
_
Buyer _ _ Seller _
)
T,~ c..CC7frJgt'" la.·.t. co :r.1! Urlh~C SL.tes "TrtJ.; ,- U S (o:-del tofb,j f~ uNuJtr'lonz.etj ~PfCX]uC\)on of ,r,,!o form. or any POrtio:"! m~reof. by O"OlOCOpy maCl'lln!' or any 0."'" meat'll
n.:It,!l,".g lacs'mlle cr can'p."'" ,,,;j !ormalS lo:>ynghl ~ 200~. Cr'L1FORNIA ASSOCIAnON OF REAl TOR~. INC All RIGHTS RESERVED
THIS fORM HAS ElEEN APP'lOVED 9Y THE:: CALIFORNIA ASSOCIATION OF REALTQRS~ (C A R.) NO REPRESENTATION IS /,lADE AS TO THE LEGAl VALIDITY 0"
ADEQUACy OF ANY PROVISION IN Ar~Y SPECIFIC TRANSACTION A REAL ESTATE BROKER IS THE PERSON OUAlIFIED TO ADVISE ON REAL ESTATE
TRI'NSACTIONS If 'fOU OESI~~ I Fr,AL OR TAX ADVICE CONSULT AN APPROPRIATE PROFESSIONAL
1h" lOrrn oS ~Y',I.b'e f~r '''0 ~I :h.. enbr~ '"'' e5la'" ,"I(j,,~lr, " .. nol on!en<le<l:o oden1l1y (he user as a REAlTORe; REAL TORS IS a ~'S,....s c.o'''c:lNe membl!~hlp ",.".
,""'Ch may b.. u510d or,", ~y me..,tMr, ,1 'h.. Nt..TlONAl ASSOCIATION OF REAL TORS~ Who subS::nDe 10 liS Code c' E!hoC.S
»
(~~ '1 .. ,.~..,., tel <, , .... , .
PubltSheo by Ih~
Cali/om III Assooal,on at REAL TORSfl [Rev_a ay Dale
tEl
,...... ...-.c
.,NI'UII"
»
694 / 745
Court File: "Volume IV Continued" r~
Samaan v Zernik (SC087400) Los Angeles Superior Court
a Michael J. Libow
00 Olldwell Banker
A ~ CClRl'ORAllOt;
9401 Wilshire
Beverly Hills,
Telephone
FAX
OClOber 5, 2004
Blvd., Suire 515
CA 90212·2918
(310] 550-740C
(310) 550-7531
In COrUleClJOn wilh lhe above referenced transaction, I believe lhat you might tind lhe following important dales useful.
APPLICABLE TIME FRAMES
We believe Ihal the following date(s) are accurate, however, please verify the exact date(s) with the Original Agreement.
Buyer's lniual Deposit of SI5,OOO.00 to be received by Escrow Holder: September 27,2004.
Buyer's Additional Deposit of $15,000.0010 be deposited wilh Escrow Holder by: October 8, 2004.
Signed Copv of your Oril!inal Purchase Agreement & Joint Escrow Instructions to be deposiled with us by: September 27,2004.
You may find lhe following names and numbers helpful throughout lhis transaction:
Thank you for lhe opportuwty to be of service to you in thi.s transaction. Should you have any questions and/or proble1llS,
please feel free to call upon me al any time.
Yours lruly.
FOR '9fm)CA~~k
LAURY WASOFF 'fR 'ra09RJ~R
WITNESS: I'
(fail HersbowilZ
Escrow Ofticer/ManagwY.P.
/'&f
695 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Ocwher 20. 2004
(
•
M i~h:ld .r. LiixlW
Coldwt:lI Banker
166 N. Cmon Driw
Bt:vt.:rly llills. C/\ 90210 .p Ib iXHIB'"[ I) ~ (; f~'J"
FOR ID~C TIOH A"-' /
20----'L-L
LAURYWASOFF 9~1~
WITNESS:
Rc: 320 S. Pc-ck Orive NOlic~ 10 Buyer to Pcr10nn
Dear M i<.:h;.ld.
'11,is klll:r j~ in n:sponsl: to Ihe Notice Ln Buyer to Pt:rl'urm you faxt:d to me on Monday.
Octobt:r 18, 2004 and the suhst:4u~nl yoicemaiJ timt:-sLamped Tuesday, Oetu~r 19. 2004
at 4:55 p.m.
1 want to apologize for the delay in responding to your notice. I"Vt been consulting wiLh
my attorney regarding my options to your unTcason::lhlc dC'm~n(b. ,
C""1in~"ney,
T.et me first start hy saying. rye enc105cd lhe removal of the Loan Contingency and Tille
i~
hu will ""' ,,'mow th". n Co,;,,,1 «>o'in '"ne ",,,;1 J have rl'c";",,-d 'he
k:nders nOlitication Lhal L t value of the home . ustificd. If the home W'dS priced
:1J
corn:,t y. you shou n' L have any concerns.
On three separate occa.<;ions 91:!4. 9(29 and 10/6. 1 called Gail Hcrshowitz of Mara
F.~cww for my copies llrLh~ Escrow In~trucliol'ls and Prclimin<lr)' Title Report and w~s
told th~u sht: W:lS waiting to hear from you bL:l"ure ~ht: could prcp~ il. Due to tllC non-
pcrfonmll1ce by you and your ~scrow company, your seller is now threatening
c~ncdbti(ln of' escrow. "
My lender inf(mncd you on OClobt.T 5th that he h:td tried sc.:vcr.J1 times to ~ellhcsc items
and nl..'cl.1c:L1 your ht:lp. My ll'nd(,~r ;.llso inlormcd mc.:. Ihal he: did not receive the nl:C~s~ry
Escrow Instructions and Preliminary Title until the evening of October 7th. tw~nt)'-onc
day..; :lftt:r my countl'r-offcr acccf'l\an<.:c. Dut: to the pcmling wl·~\.;cnd & hnl ilby. \h<: h:mk
did not receive my loan until 10/1 2. My loan was approved ()n Monday. October I glh, a
reason;l.blc timcframe rlJr loan approval. Now the hank must review the value bcfore the)'
C~n lil\;IIj/,c thc loan.
From the lx:~inning. I h:lvC followed through on every a.l,,;pc:cl of my end of the cnntr:lct.
You 011 lh~ llthl:r-h~lnJ ~IVC nol h~'n :J mun of"your word. On 9/16. when 1:.1cCCplcd lh~
counlcr-oITer while on my Hon~ymo()n in Hawaii, J inforrn~d you that J wouldn't he
n.:turning (0 I ,(IS r\ngl.~l<:s llntil 9/"24. You vl.:rhally ::lssur~d ml: thaI Iht:rt: W;lS no Ilt:L'd to
contractually I:xll:nd lhl.: conting~ncics or do~illg date, becuu~' in neL:dc:d more Lime lo
meet the contingencj~s. "it would bc arranged."
696 / 745
EXHIBIT? l3~\
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~..".."w ~u u-r .&.\,1 • .l,c"c ~,. ....... .. --_ .. -
. '.
• •
You have been lInn::asol1<lblc through almost every st~p or this tr.1nr.3etion. so you
I
le~vt:'
lnl.' IHI 1Ilhl:r altanativc: hUI 10 s~d, lhl.: ~uidancc ormy atLornl.'Y.
Pka.-;t: inform your sdlt:r that ifhc chonsl:s to cancel thi:-: ~scrow hefon: the scheduled
ch)sing uall: ()rNov~mb~r I, 2U04. I will havl: no olnt:r all'-'rnalivl; bullo SI.'t:K Il:gaJ
rcmedi~s.
I fonnally request thal all rurth~r corrcsp()nd~nce b~ in wriling. via facsimile or email.
RespectfuL-..;
VA< ct:m;;~)
Nivic S;lma:m
13uycrfR~allor Associate
tJ5amn~~.n \ (li!i101.cnl)~
32.l.X4J.lJ1n Facsimill.:
697 / 745 L
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~~
In
~~
~
3ccordance
CALrFOR..Nlh
AHOCIATION
OF RF.A 1.'1'0 Rll)<'
with the
•
terms
CONTINGENCY REM.L NO.
(CAR, Form CR, , 0103)
A. BUYER'S REMOVAL OF BUYER CONTINGENCIES: Buyer remove!' those coniingcnclC5 specilied below. IMlh respect to ;lny
contingency :lnd c~nccll::llton righ\ rh;lt Buyer r~mo\lC$, unless otht."I'WI!.C :;pccificd in a wp~r~lc writlen ngl'C'Cmcnl bclwccn Buyer
and Seller (such as CAR Form RR). as appliC<jble, Buyer shall condusrllcly b~ deem€!d to h:JVC: (i) completed 311 Buyer
Investig:Jtions and review of reports and other applicable information and disdOf;ures: (ii) elected to proceed with rtl€! tr..m snclion;
and (iii) ;]!'isumcd ~II liability, rc~ponsibilily and. if any. expense lor Repairs. cormctlon~, or for the in.1bihty to obtnin f,n'lncing.
NOTE: Prc-printed para~r~ph numbers (Ire for refer~nce only nnd refer to the speClflcd paragraph in \he Colifomia Residential Purchasc
Agreement (CAR. Form RPA-CA).
1. ONLY the following individually ch~ked Buyor contingcn~icsa~ removed:
A.. r~ Loan (Paragraph 2l) .
B. 0
Appraisal (P;uilgf<lph 2J)
C. 0
Ten;:Jnt·Occupicd Property (POlr.1gmph 3C(iii))
D. 0
Reports/DIJO;cJosures (Para9r~phs 4 and 5)
E. 0
Common Interest (HOA) Di~cJosures (ParaRrapn SB)
F. lJ Buyer'S Investi!ption. Including insu"'bilily (P::Jrogmptl 9)
G. ~j Title: Preliminary Report (PClragraph 12)
H. 0
Sale of Buyer's Property (Paragraph 13)
l. [l _
J. [J _
K. 0 _
OR 2. 0 ALL Buyer contingenciC:l ;)fC removod, EXCEPT: 0 LO::Jn
Contingcncy (P~lf;l~mph 21); Appr..liS~ll Contlngr.ncy 0
(paragr<lph 2J); 0
Contingency for the Sale 01 Buyer's Properly {CAR. Form COP}; Common Interest (HOA) Disdo$urcs; 0
o Olher , _
OR J. 0 BUYER HEREBY REMOVES ANY AND ALL BUYER CONTH~GENCIES.(Once all contingencies ;ara removed, whether
or not Buyer has satisfied him/herself regarding all contingencies or rocelved any information relating to those
contingencies. Buyer's doPOsit may not be returnod If Buyer does not close escrow. This could happen even if, for
elt&:lmplo, Buyer docs not ;approve of some 3sPOCt of tho Property or londQr docs not approve BUyCf"S 10il",)
OctobDr 19;. 200~
Buyer Date
8. SELLER REMOVAL OF SELLER CONTINGENCIES: Seller hereby removes Ihe following Seller contingencies: 0 Contingency for
Scllcr'~ p~rch;l1a'~ 01 mpL"lccmcnr property (CAR. Form COP): Othcr. 0 ~.
Seller Date
(_ _, _ _) (InitiClls) CONFIRMATION OF RECEIPT: A copy of this Signed Contingency Removal was personally
received by 0 Buyer 0 Seller or authorized agent on (date), at 0 AM' 0 PM.
Tl'\l' ~PV"'J"II:lW!l Cl111'lr UMncl ~;I;l"'" (T!flro 17 U,S, Coor.) IOrtloCllho u""ufhonznd rr,prOOUClIDn or ,,,,r. 'orm. or:ony pOnton INlrnor. by photOCOPY m.-.ct1on,,« :>n~ ollVW IN""" ..
,nclud.ng lau.noln Dr computr~l;'"'' 1Ot'l'\;'l:;. Copynghl C ~UO":>003. CALIFORNIA ,t.,SSOCIATION 01 l~r"LTOR~. INC ALL IlI(;HT:; TlC::;C:RvtD.
TH/~i '()Tlt~ HAS BEEN APf'ROVLO IIY THe CALIFORNIA A!:SOCIATION O' REALTORse (e_A.R." NO FtCPFtESENTATJON IS MAOr. 1\'1;; TO il-lE LECAl V4UDIT"l' O~
ADEOUACY OF ANY PROVISION IN ANY SPECIFIC TRANSACnON. A REAL EST....Tf. OROI(ER IS 11-lE PERSON OUALlFiED TO ADVISF. ON (((AL ESTATE
TRAN~.ACTIONS Ir YOU DESIRE LEGAl. or< TI'I)( I\C7VlCE. CONSULT AN APPI'OI'IlIATE PROFCSSIONAl
T~n lorm I~ IIY:I~,1l1n ror u"" by thu Ohllftl ,a."
n~L'I" ,nC!I",lty. " ':: IlOl,nlonOOlllC ,onnl'fy lhn 11:',1:' n:i .. RLAL TOFlfll, IIIN TOI(tO r.: .. ",gr~klrr!<l aI.no,,,,,' m/llnbc,::hlp m.1fk
wnll:.n tMy ~ lr..ed Only by membe,s oI1h1! NA'/I()NflL ASSOCIATION OF REAl TO((~ WIlUliUbscriboe Ie IL~ CcO'! or I.thoc:;.
~~-= G)
Sl.I<E.IL~.
I,; ~
111I :,y--.Alll ko ~
_, C:1~tDrnl;' f\"!IOC,,,lrnn Il' nr AI. TO~:;eo
P,'bl'3"cod t7y 1110
I R"""_>d by Oatn ] ,--
_1~
CTjrmt""
FAX TRANSMIITAL
TO:
ATTN: Jason
FAX NO: 925-892-7966
YQURREF: SnmaaD
SUBJECT:
Purchase Contract
IMPORTANT NOTE: Should.!my of tbele papen nquire 80 ORlGINAL SIGNATURE. l"leue taU I XEROX cory
BEFORE SJGNING. We wiD Dot accept au OrigiDaJ SigDat"oR I7D FAX paper.
Thank you far your cnopera1iOD in this matter.
THIS MESSAGE IS INTENDED ONLY POR THE USE OF THE INDIVlDU1>.L OR. EN'!In' TO "1!ICH IT IS
ADDRESSED. AND MAY CONTAIN INP'ORAA'I'ION THAT IS PRrvILEGED OR CONFIDENTIAL, IP TKE READER
OF THIS MESSAGE IS NOT THE INTENDED RECIPIENT, OR TIm EMPLOYE2 OR AQ!!:NT RESPONSIBLE FOR
DELIVER1NG TIrE MESSAGE TO THE INTENDE:Il RECIPIENT YOU ARE HEREBY NOTIFIED THAT AN'{
DISSEMINATIoN, DISTRIBUTION OR COPYING OF THlS COMMUNICATION 1S STRICTLY PROHIBITED. IF
YOU HAVE: READ TH1S COMMUNICATION IN EAAOR, PLEASE NOTIFY US IMMEDIATELY BY 'I'ELBPHON'! AND
RETURN TBE ORIGINAL MESSAGE TO US AT 'I'HB ABOVE ADDRESS VIA 'Tlm O.S. POSTAL SERVICE.
)LtO
699 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
18/22/2B84 15:42 31P~-a7531
80.
SENT BY; COL~LL BANKEIl; 310 ~7' 4834; SEP·15·04 11:32FU; PAGE 2/2
s~~ L2 O~ O.'23~ ".%!
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700 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
~,-~~/3?(23~~Vf}..51.: ~~ ... ru=/.f MARA E~
310 271 .834j ...,-" J::5SPM;
r"'~
PACJ: 13115
p.·3
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S~NT BY: CO~OwE:..~ 8AN«'c;I; 3'0 C!71 483 4 ; sEP·10.~ 3: 54PU; PAGE 2(:3
~. ; . -
COUNTER OFFER No. a~~
(~ar ~ by ~
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or B~.
<:<>u".... oner.) i~
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701 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
18/22/2884 15:42 31f 31 MARA E5a([).J PAGE Bll
~_ . . , '" I . ""'L.VI,r;LL Cl-\I.~.
310 271 48304 j • BE!" ·04 3:49PM; PACi: 2
CAUFORNIA .
..~ <.: .. I I r () II \ I ;\ RESIDENTIAL PURCHASE AGREEMENT
. . .~~ A ~ ~ 0 { 1.\ 'I I ()" AND JOINT ESCROW INSTRUCTIONS
....«~ 0 F II rol.l
..
lOR." .•' F<It U.e With SIn9Nt FAmily RHlaendal ~ny -A1tKhed or o.tlIched
(C.A.R. Fom! RPA-eA. Revised 10102}
Dote sept.."wr~2.~ '" A,"'Or.l,.. t i l l ' I c.l~',
1. OFFE~:
6. 7rtE REAL. P;<,O.-ERTY TO tiE ACOlJll'!ED 1$ ~es.ctloeCl n 320 S'~ p~dr pr;~", .s-r.rJv H.i.1;",.::ll. QC~J;
. __ .__ , AUn'elf'S ~r<21 No. • 328-02. -023 , ..tuatIId in
~ Rill6 , County d La, Anpe 185 ._ . CPfom., iPropeny").
C, THE. PURCHASE PR,CE o1teroe II; On_ i l l Ilion Si.x l!Un4rPd S....<Pty XhDupM
. __ _ ~~ ,L€7C DOP Ot?
D. Cl.O$E 0. E5C~OW shill OO:;UI on Octgbttr 15, 2004 (oal£) (orO Oays AUr J'c:cepl»-).
2. FlNAN~ TERMS' Obla""il'l!1 the Klans below IS • conting.ncy Of lt111 A.,;j ... ment unlGSl: (I) .. ~r 2K or ~ • ~.e tl.~ or (II) 0lIwfw15e
agreed 11'1 Wlillrlg B~r snal.C\ dn'9cnl1y.nd In 900d larth til oOtain l7le d~rl4IUld loaN;. Obtarlng oaposrt. dO'l'\'n Pllymem'nd d~ COIItS -\lot
iI <:o"tiogenc)'. Buyer rep~n1S ltlllt ",nos Will ~ gOOd when depoailed WIth E.~ Holde'.
A.. INfTlAL OEPOSIT: Buyer has g_n. d1t1lO$il In the .molol'll of. , .. ,. , .,. " , $ 10 1 0 00.00
10 tIWt a~nt sub"';"'~O 1M o"'r (or 10 LJ ). by P<11I0n-' ~
(or :J __ __ _ ), with
Eaaow Hold",. (010 Into Brolcer's tnN account).
B. INCREASED DEPO$li, ~r ,twoW dePosit W1ttI Escrow Holder." iRcreaed cIepoM in !he 'mo.Jnl fill •... S _
willIin Day. ~r Ao:aP\af\Cl. or 0 -,- _
C. FIRST L.OAN IN THE AMOUNT OF ., .." ,...................... . .....•... $ 1,336,000.00
(11 NEW Firs! DuO of T~ In hll/Or of lender. encurnllerillg the ~ . aecunt'l; a notII payable II ITI8XImum
,_Sl of ~ 500 ~ fidel ra't. 01 5 ODp ~ initial adjustable nrte wtth. interest raw: maxm.rn
01 -J.~ "11:. balanclt due III 30 . . - . ~ad ovec 30 yea~. BU)OIIr 'he/l .
llIIY. IcQn feesJpOirns not to elcaed . (TheM tet'l1'W appty"4WtMIther It>e de.ign... d Ioen
is co"~lion.1. FHA or VA.)
(21 0 ~HA ~ VA. iThe tollofrinillerms on~ apply III IIle F'HI. or VA lOan IlWt is dlecNd.)
Stllfo( Sh•• PlY % d!lcaurrt PO'"t!. S.uer 5/'1.11 PIt'I offIlr teea nat alillMd to be ~id lIy BIIY*',
IJ not III elceecl 5 s.1\ef .hall pay tile CO&I cI ""'r ~ Repairs (indudlng
moae lor wood OKIrO~no PNIl not otherwiU pi'oYidlOCl for In t1111 Ao!"n-.nt. D not 19 eocClNd
S . ' !Aau.1108n amount
m.y inc:rUM If mof1(Jlga illAllflAOe premiurT1I5, tur\lkng
- . . or clo5ing ~ Ire fJn8l1oed.) • , .'"
D. ADDITIONAL FINANCING TERMS: . . . , , .•.....• I 161« 000.00
(C.A.R. I"orm PM Dtrllgraph oIA):
,...
Eo BALANCE OI'."U~SE PJlta (nollncludlng e:e-la Of DCteininQ ~.no 0lMr doSing COg) iIIlhe emolmlc:rl- ~ S 1..57,·cfoo. OD
10 be clepoailell WIt"I eSCtOW I1olCIII' wllhln .~nl time to clo5e escrow 000 00
F. "UItC1-IASE PRICE (TOTAL): ''',.. . Of " " " " .. " S '- c 670 C .•
CO, L.OAN A~I"L.lC"TIONS: lM1IIiI'I , (or Q ) Days A1lar Aa:apU"C4l, ~uy... shajj plOo/ldQ sel,,", 11 l8ller from le"dIlr or mort~ loan
btOMr sllllon; tnat, buecl on • l'eMw Ilf euyer's wriIIan applicatlor1 IIICI creel.
/wpM Bu~r is prflqualbd Of' jlI'eepprowd tor lhe NEW loen
Nl8CltIed i!'I 2C i t>ove.
104, VERIFICATION OF DOWN PAYMENT ANC CLMINO COSTS: 9.".. (or Buyer. lender or lean broke' pu~ to 20) .PlIJ~ wlIhln
T Cor 0 ) c.y. Aller ~nce, pr«Mde SelIer.,ril\en Yefiflcaticn 01 &yetI clown pa~nt 31fld ctosinil CD_.
I. LCM.H CO"iTlI\IGENC'Y REIIOV"\.; (I) V\Iltt1in n (ar 0 ) Daya M., ~pUIna:. liuyer shall. liS apcdtied in ~ragr;aph , .. , _
the 1Cl8" Coonl,"~ncy or canee/ Illia Agr~l O~ (i1) (If cIl.~ed) 0 me loan OClntlrJgenc;y v.1I <ernein in ~ "tIflI the c1es¥nl'led loaM Ire
funded.
J. APPRAISAL CONTINGENCY "liD REMOVAL: Tm. ~rnent 1$ (em. If~. 0 II NOT) conttrlgltnt ~" the Propelty IIPPnH&WlQ • no
leu .... n lTIt al:lCC1fIed PUfch!M pnce. If ltv,. IS " loan con1l11gerq, at the llme the loan c:on1Ylgtney ., rwl'rlCMld (or, It d1ea.d. tz wltl1III 17
:::1 _ _ ) Cay. ~ll.r Accapl'lnce" Buy.r lI'Iaft, ItS specJlIed in par.gr.Ph '48(3). rw"- 1NI ,ppl1Iul o::>nllngeflll)' or eancellhls Ag~ement.
,or
If tI'Itre IS no 10"" cnntin~ncy. BLI)'lPr ~~ DC aped",", I" parwgraph '''0(3). I'elrOW It-. IOI)raiN' contmgenq' wI1nIn 17 lew ) o.y.
After AA;~pliinOf.
K. G NO LOAN CONTINGENCY (If dlecJI,eO): ObQil\mg Iny loa" Fl p.ragralllls 2C. 20 or elsewhere in thia ~rt ill NOi. c:ontineencyclthia
Agreement. It 8uyer aoes not Ilbulln lhI 1080 and U I ...u/t BU)Iel'does not purctlaM IIle Pll/perty. Seiler m:ly be IIl'ltItIad to Bvy.r·E oeooa' CE'
other leg 1/ rernRd ie$.
L 0 All CASH OFFe" (If ctledoedJ: No loin .~.., ttl purcllllse tne Pmellltty. Bu"'1 wi. within? lor ~ I o.y. Aner ,t,CQIpWr1ce. CJ
provlIM Sellf/ wnnen ~enrlClllion of .vf'fiaeTlI/\'no, In c;:lose this trlIllSae:tiOl'l.
3. CLOSING AND OCCUPAlHCV:
A. ~r tnIe fld' lor C doe 5 nOlo irn.nll) Ie oC:CUPy !he P rt>per1y.ll auy.,.. pmorary ..aIdenc:e.
B. Sen...·OCcvlliea or vacant proper1y: OCcupancy ,~U be aeliv'M 19 Buyer II j 0 ~ AU 0 Pflo4. 0 0" the cl:I~ lIf CION Of faeruw;
CJ on _ _ . : Or [] no later tria" _ De~.s Aller Clo.w: Of Eactow. leAFt Form~AA. p. ph 2.) If nnefer of W. and
oea.tpancy do not oceur at !he ~ lime. Buyer and Seller.,. .oYlMd to: (I) entar irltO II ..mtle!1 oo::uPOltIC)' nt llId (fI) consult wttII tile..
(S)
T,.. ~
ineullII"Ia: and iegllaClV&on.
rn........a"'" c/
"h ~ ~~I :1 ....
~PA.cA fU!VlSED 10102 (PAGE 1 OF al CAliFORNIAl ReslpeNTIAL PURCHASC "GRE.EM~NT I~PA-CAl ~"'GE 1 Of 8!
Agent: NIv.e S~""lDn Phone:(310)~7a1'38 Fu: {310' PlWPllred lIll,ng WlNFormsflI sofIWaN
aro~.r: GlI~ ... n & Griff,n F(ealtors 1::133 Westwood Blvd. I LCIl5 An!1'1es CA 11002.
702 / 745
y
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
__ 1.~/~?~2~~~..,..L5~ ~2MI" /531 MARA~ PClGE as
310 271 ~e34; .~' _2-04 :3: ~OPIA; PAGE 3
Properly AdOtess. }za ~ I'Ccl ~a.u~ iC'!NJy If' P 1 ca ~:l2Jl Date:$ep!'Mt>eF' 2004
C. "enant-OCClIPte~ ~rty: (i) Prol)el't)' $hall De v;ac;ant al leil51 5 lor 0 )
0*)'& Prior to CIQ. . Of E.Iaow, UI'iesS OI~ IgreeO
j(\ wrll1ng Note 10 SelltH": If you .r~ ulWlble to ~Ii.,., Pro.-ny v;acam In accoraanc:a \OIIttt I"I'nt COntrol iIIr'1Cl other appll~bM ~. you rnlIY
be in b.-.o"n of this Agrwment.
OR (il} (If ct.ld<&dl 0 To,nant 10 r"maln in p_:rlJ1on. Ttl<:: Mtac:had iIIC10endum is Incorpontted IIllo th~ AQ_lT1enl (C.A.R Fo,," PM.
~rvwaPn 3). .
OR (iii) (if CheCked) C
ThIS A5I... rroent is ,;o'ltm~n! ~n av.....
r.nd Seller en~ng"to. wrlllen a9!'HrTlenl FllQlIrdirli oc:c:upancv of the prg~
Wltnin !T'e lime specrtlOO rn oa .. gr~pn 14B{l). If 1'10 wrillen ;jQIe«TlQIlt IS reacned WIthin Inrs hlT1e. eitIlef BUll'8r or Seller I'I\iII)' CIInC2< INa ~",.nt
Inwntl l1ljl
D. AI Cbse Of Escrcr.o. Sellei' !'ssigns 10 Bu~r any OlCsi9nable ~rTtInty ri9hrs for Items lIldu4l:d in lha Ule and ~tlal proVldI lilt)' alfailallle Cop18S
01 suen "",rr,ornr.,. B,ol<ers ""nnat anO will nol r;jetemme ~"IIIQTUltllrb'ot any "rr."ues.
E. ...1 Co.e O! Escrow. unless O1t1uI'Io'ise IOra.cl in wrltln;. SQlIcr ,hatlllrovicie keys aMlor me8l\S to D\»rillle .tl 1oO<s, mailbOx. . seCLriy ay&lemc.
Nrms and g~rage dO()< openers If ""open.y is • CCll'lllomirium 0' IoClIlt<1 In • COIIY\"IOIt i""~1 5utldivision. Buyer may be lequre<l to PiIIY a
oepost 10 l!'l~ Ho~Cl""Tle~ Assoa.'lOn r~AllO Obmin ll.e~ \IQ a~ible HOA taeiTJt*.
•. ALLOCATION OF COSTS (If CIl<!d<ed): Unless Olnerwise apecifitd here. thi=I p.ragrapn onty dewrrn",.. -"0 is 10 P8Y tor !he rapan.. inspection. test
Dr "IV~ ~ntiorvod If n Dt SDtcif..d Ilere or .t&.w~rv in thill ~r_1'lt. the oe.rmin.t.ion aI who • Ig P'll' tor .ny wor1( l'KOfTljilendH Of iclemtlled
by arty aLlCl'l.~ n.~dlon. test o. ~ thall be by tile mc:lhodapecir.d ltl ~rag...,n 14B(2).
A. WOOO DESTROYING PEST r~PECTION:
11J 0 Bo.Jye. 0 Se.... s"d p.y fo. an I~on and report for wooo d9slroying PWlS Ind o'V.",,1l"ls ~pon")
....nidi sh.u be prep.ntd
Dy _~ •• ~
nvaural pest
comrol company. The Report shd COWr N .c.oa.lble are.. l7f Ihe mein bulldl'1lil and attadled 1tNc:tu,.. end. "
ched\ed. U clel.ched g.ragH and carpona. 0 deudled d-eb. 0 the folowillg 1e'\leW_ 01:"
or
• TlIe~s~
.,.•
~~eO,,~nng.$ H-p-;;'p-e-ny-,,-a-Cotl-o-o-m~in-'-'urn--or-Ioc-CllW--eI1--i-n-a-ggm--mon--_--'ftI--su-bdivis-'
-.-ion-.-the--~---WJl-Include only the
..p.r.te irT\e~a; one any llXClUS",..... areas being Ir.nslerred and shllil nol include COlTllnCln .rMS, unleU otrlefWlie IIlIreed. Y'tIiIIeIr l'e'lIlS 01
shower pan' 01'\ \lpper 1h*I\lnlb 1T\iII)I "0\ be per10rmed willlout eonaent (If 1ne 0WNII'Il tA prooerty belOw ltle anc-r .
01'\ (2) (J (If elleC:~ The attaen-Ii .ddltndl/lT\ (CAR. Form 'M>A) Mgatlling "'OOd dUI~~ , - t l~c:tion .net i111......tlDn of CX* II lncorponllld
Into tl'll$ "Ot'e1t1TWl'lt .
51_ OTliER INSPECTIONS AND REPOhTS: .
(1 I 0 BlIYIr Ci StIller shall ~ to haW leptic: or priYale stW~ CSilpos.1 sySII'" ~ _
12) 0 Bu)'llr 0
Saller s"aU P-v to hlW d~llc: -'Is lltStedf'Or _lIr PC7IIlbiny lind pr~l/e:tMly -
(3) U Bu~r IJll Sel~ shal pay lor IllUlbUaI haut'll ZOM ll~" repon ~pa",cf by .i:l:!II.I.Il.1 .....l.I£:.1.Wcdnll0Z;.IJ-CIO:.L --:"..-,-
(4) 0 BUyPr 0 Sellar shan p~ for ttie ~ iruopedloo or nlr;lClrt . __
(5) 0 suyar a
Seller lholl ply fOr the lallowng inspeertDn '" r~rt ."......,... -'-_-:--
C. c;oV£R"'~ RECUIREMENTS)l,ND~OFTT:
(t] CJ Buyer ~ l:iet"r shllli pay 10; ~ ~r 1'*t1lill1lon r4lr:II" .... r he.r bracnG.lf.-qund trv L.iIIw. Prior II) CX~; Seller cae
shall provoOe 19U)'''' II W/ltlen 51al8m.n1 of CO/1IIl'.-
I" ac:coro-nca wiVI ItMt and ItlcaI Law. lINes. IlX«T1lt. . . -. .
(2) 0 euyeoF W S.1lar _II ~ tne."'* f1f COrT\PilInge witIl any other min......", 1Tl8n4.'Ory llovernmenl relI'Clftl allllclardi. ~n& ana
reports Wrequited.; conditiond clO£ino ucrow UI1a.,.ny t..N. - -:-_ _
,.D. acltOlN .AND nTLE: • :-. '., .' ~ ,
.. ~ (1) Oil !Iuyer W SeHer.nali pay cs.croW fM :1/2 bR)IWE 40'# 1/Z HHGr . . c.
Ill) 0 Buyer 111 Seller 'hell pay the COIl. not to IXceed S 35<1 DQ . of • one-,..r hOl'M wall'llll(y plan,
tuued b~ nr.t Al=ti,9,a; Rset !traocylQwi GreeQ
with the fojlow'"9 op"onal r::oveMipa. _
(II) 0 Buyer 0 Seller c.nall pay tor _
C7I 0 EIo.ryer 0 MIoIr $halI1 DIIY tor _--:
Ii. STATUTORY DISCLOSURES (INCLUDING LE.Ao-8A5ED PAINT 1iA2ARO DISCLOSURES) AND CANCa.L.ATlON 1UafrB:
-:-__- - - - - - - - - - - - -__ =-------
.... (') Seier IhaIt, ...lhitl the time .peeir..d In paragraph 141\" del.... to Buyar, 11 reqllll'eCl by u...; (I) F~"" Le~ Pa~ CieeIocunta IlncI
PIlrnpNel ,LAid OiacJotU""~I; and III} d15cJosurft Ol' nou::.s required by se<:lions '1 D2 el Mq. _nd 1103 lit. eeq. of the CaijlornIa CMf COde
iSlallJIDrY [);s~sJ. SlalutOTY Dlselo5v," 'nclvlle. but are flOt lmite<! to,. Real EsW1Ie 1rare.r Otsc;IQ~ Sll~ ("Tt)6j, "'AnI
l-tlnrd ()j5d~ure St81emerlt ('i'll«)'), netie- o. actual ktl~ of rt!1e.." 01 ~ c:ontroUIld cubstance. notice of epe* IIill tndIDr
....umentl (Of. W.llowed. ""ballmtiilllly equior.l."t notice regal'ding II'le Mel~os Comrnonil1 FadltJes Aa a"d ~f'( 80rJd At:I. of
,g,SI .nIl.
If selle. hn IlClUaJ knowlledllll. an rncluIIriiIII UH 8Ild miW1ary orllnlllCit Ioca\iofl Cll5do6lA (C.A.R. form sse).
(%) &lye' IhaU. wn"in the Iirre $pecJ'litd In /)8l11graph , .. er1). relUfn !igned Copies 01 the S1IMory lind LOlld DisClosurn til Seller.
(S) In !Nl ... ent Sot/lar. prior to Cl.... Of i*"DW, becx)""l:r _oe of ""'~rw QOn<!itio", '""'....,1)' .... dl"9 the Propit<1y. or -"y rTIiIIIItrill
f5:J
I =
==
Buyer'slnlPM ( I )
C<>pynplllC'1iV'·:OliZ CAllrollNI... Af;SQCI.O>.TION OF "'l!.AlTO"!te INC
RPA.c,t R£V1SEC 10/02 (F... GE 2 OF 8) . JIl--.ecl'" o.tI
I sltn.,.s In~ ( )( )
703 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
. _ 1BI'}2( 2_B_B.':."~1~~: ~~"'.
1531 MARA~ PAG: BE,
;:110 27' 4B34j • st _-04 3;~lPMj PAGE 4/15
Prcperty Address: ~ pp,;Je P:rlYC ll«;tuly :til';.. c:Il 9C2ZZ Oace:&ptmhrr' 2Q04
(<II II any dieclo,ure or note.. ~P<'C"il\eet In SAlt,. llf SUbMQUlInt or atnl'l'Il»d d..::Jos~ or nouae • CI~red III Buyer,""!t\e olle<" Is 5I9ned.
Ouyer ",.11 "aile t/IQ ngl'll to C8rJCQllnu; Ag'1lement wilhin 3 D~. Ahe< OelMlry in ~n. lll' 5 o.ys !'Jtef deliotery by oeposi " tile maio by
giving _nllen notll:" 01 uncellalrcn to So,fIef or $e<ller6 .grnl. ILaad DisdosUT'lls sent by ma~ ",LISt be -nt certjJeo maU or beller.)
15) Now 10 Buyer and Se'''r. Wallo'tlr of StatuteI")' .net ~ D.~u," is prohibneCl by lAW.
B. NA iUR.lL AHO EH"~ONIt'IENTAL HAZARDS: lII.lIh,n til. tn. soeciflOd in paragraPh '4. s.ter w l If requirwl by Law; (il de/Net" 10 e~
~ ..rthQu_t: ~uldes land Qve!l~onnalrc) and enwonlNlllAIlI22Jord, bookie!: (II) even f ."mQI t1)m tile obM9ation to PI'JVlde • tIlHO. dISClOM Illhe
Property IS IOCOltQd ,r. ! Spe~; ;:'ioQU H = '.i..: Poie'"t;; i" ...-ocl;"9 (lnund;'uon: .·n~. v.~,. "':gn F~ Haz:ard zane; S:;~ 1'1:-:: !".a:~::."l.!.blil)'
Area: E.rthQu:lke Fault Zone: Se\SIT'llC Hnard ZOlMI: alld (iii) d'Sdose .ny otnar %one • I~Und by lAw lIIld pftlIIi!le .ny 0 ' " informallon
required lor moa 20ne!l
C. DATA BASE DISCLOSURE: NOTlC~ Tho> Ca~fomlll De~nl 01 J\J5lic., Ihen'" oePllrtmeru. police clep.rtmentll ~11ll Junsddiona c!
200.000 or mer, .na ('1.n)/ Otl\ef local lllw enforamenl authcrlia mairuin lor public ;lex-ss • cIatIl base of tnt Ioation5 01 pel'SOfa$ required to
reg,!;Wr pUrsUllnl to ('l.ragrapfl (1' Of 81.c'dllnslon (a) QI Section :290.• of the Pwlllt Code. The Clll1il b8.. II upda1ed 01"\. qUill1l!rIy bails and a
source 01 ,n\ormetlon llooul the pr~senc. 01 ~&e indivlCIual, In any n'9hbortlood. TM Oell.""..nt of Justa allO maintan. , Sex Offwnoer
loentrt.c.lnon 1.1f'e througn wnlen ltIQuir'iln; about Inc:llv~ rnay be made. This is a "9ClCr alephOtlt ~"rvic». Callers muSI fI.w Kl4!CifJc irlftlrmelJO~
aDoul individuals !hit,.. an! cnecklng. Information feg;lrtling neighborhood• • nOl.vllN.ble tIYOu;h 1I1e -QOO" leleph~ a.rYKJ8.
& CONDOMINru....,.LANNEO UNIT P~OPIIIE,,"DISa.OSURE5:
A. SELl..fR HAS; 7 lor U ) rley. After Aooopzanc:e 10 disdll5e 10 lluyar "lIt11ler ltle '"rcpefty 1$ a CXlndommlum. 01 Is lcaIed n a
planned unit dl'!V.'opment or olller CQmr'non intlll'e&l cUbdi"illlon (CA.R. Fol'I'I\ SSOJ.
• B. If lne PropertY is. condominium or Ie ~led in a plannel!lnit lI8>1elopmenl or olher COI'TWnOf'l inta...c .ubdilfBIoIl. Se"r has 3 (or 0
02)'1 MIlr Ac.ceptane- to reClullSt from the HOJI. (CAR.. Form HOAl: (1) Copa of any <k)I;Umenla ",quAd bylaw; III) disdosure 01 fItlY pending
)
or anteip:l.lad Claro or ~1'9.111iotl by or ;l9ll11St tn. HC),&.; (IlJt a 5llItemeni c.ontainittg l/'Ie IocaIion .I'ld number at deIlgnated p;l1lUng 11M &lCrIgt
spaCl!~: Ii,,) Copie~ of thl> most·realnt 12 months of HOA rTW'IuleS ftlr regUla' ane! ao«:iaJ maelin9S: lind tv) tIw nII"- anG eomac:t lI'Iformalion f1I
~II HOAJ 90Wlrning the ProperTy /co'eCli'olWIy. ·CI Ollclll&u... j. Seller sllel ilemize .nd clef;yw to 9~r .11 CI DisdClSlII'8l received fn:lm the HOA
dnd any CI Drsdosures In ~11e<'1 posses,ion. BlIYcil ~provel of CI DllIdosures & II contingency aI thi!lApr1temellt as spec:i1ied II'l paragrapll 1.
7. cmmrnOtlS AFFECTING PROPERTY:
A. Unle&s omerwiat agreed; (I) me Property I' solei 1-) In Ita pR£SENT pnys~1 cOf\dltlon • of til. dam cI"'~ '""" (b! aubjeCt ...
Buyer6 InvestigMion rights; Ill) 1M P"'I»rtY. iN:Iudlnll poo~ IPA. ~F1dIcaprf"G .nd groUndl. ill 10 be ",.11ta1,* In subrStarrlilllly \he un-.
cor\dltlOn •• on the o"te of Aeoep\anoa: .nO (iii. al MbrI& ancl per1;onlll property not inck.ldaCl in lnt Ul8 .".. be remo-..d by Cloee Of Et.cnlW.
e. SEu.eR SHALL, within tf\lI litnc cpecifi.d in ~ h , ..... OISCLOSE KNOWN MATERIAL FACTS AHD DEFECTS .tfeeIinSl trw
Property. including kno-oon insu,.nce cl.irns within 1'- ~S11 fl~ yN", AND MA~ OTHER DISCLOSURES REQUIRED 8Y LAW 1c:.A.Jl
Form a50).
C. 11101'£ TO BUYER: 'l'CMJ are slrongJy .dvtaet:l Ul conauetlnv. .ti9llllona at the entin ~fOp~ In ortiet' to o.t.rmhw 11:1 ~ condition
s,nell ~, mar not De aware at ~I detKU a"-ding the Propeny or other tadoN ltlM you conaid« I ~ ~ Im~.......
may not be bul" IlCCOrdlng to code, In eompli._ wIdI _ I I I Law. Of hawe h8d penn• • • ued.
O. tlO~ TO SaLER: Guyer hal; 11>1 tight 10 i"~'" ~ .nc!. M .~ In .-ptalJh i.e. b$Sed LUlon IntDmDtIon di.c:owoered In
IhOM ~01\S: (I) c:anc:el th,. A~ment; elr lHI f'DCI'M&/lhat 'ou mab Rapal" o r " othef aotIon.
8. ITEMS I N ~ AND EXCLUDED: •. ' ..,
A. NO~ TO 8U~ A NO SELl..!Fl.: tterns tIsml as I'lChided or en:llIOed in !tie MLS. tt,a~ or "~110 rn.t.etWil$ . . . not Included in tile pu~.se
pnca orexduaecl from theN" unleU 1I)e~ In 88 orC.
e. I~MS INCLUOEO IN SALE:
(1) All exiSTING fDrtu~ and tittinos II'Illal'll 8Ilactla<l til the Property;
(2) EXlallf\lil 1l1earica\. ~~I. lighting. pIuInIlino '"CI he:lltlnlil l\lauI'M, c:elUng f.".., il(e~lIlae 111M"., gac lag. alld ~. lOla' a,...,..
buh-tn .ppLiances. Window ;lnd ClOOr SClftmi. aWllinqi. Shutl:D, 'Mindow eo",,,~, 1I11ad\ed Iloor co~ngs.......is,on ar«ennes. utelU
d."". pnv.te intepfltllCl 1.lItQhone ~)'Ste_. air COOlersiCOfld~e/8., pooVsp. equl~ garaga Cloor ope. .lJre..... c::ontR*. II'IlIliboll.
,n"9~unClllnoac;aPl"9. trn&JaflNba, _ . r aaI\enenI. water partfilrs, SIlGUI!1Y Sysal'llllll*"'-: lind
(31 The /01"-'"9 "eme' . _
(A) s;iiIr rCj:H,.QnI' th3t .It terN InCluo.G in the pm:nua pna. unleSS 0 - - ' apacif.-d. al'll owned by Seller.
(5) .... llet!W inc&JOed 1M. De uans."..a "... of __ and wllttcuI
C. ITEMS EXCLUDED FROI\lSAl!:
s....,
WlITant)'.
_
. £]/
Seiler. lit no cost ~'-W COPieS 01 an Buyer lrNutiollliOn fellorls ol:l\a,ne" by Buyer. Seiler ;hll mak. IN Prooert)l .... lable for 1111 8uyer
In-.nl'9llhonS. SlIler 3n.V have ....11.... gI$. eleClricty.nd I' Op",.b... pIlOt hg/ll! on for Buyers ."v.~ I io" and tl'ln;lygh /tie dete poa_iorI .,.
"",d••v.l\:lble Ie 8uyer .
1 --
.,.-:."
T6.2A9lJOZT'X
704 / 745
~
10. REPAIRS: Repavs shall tle COmpleWd Prior to fin~1 verifleatLOn of COIldi\lon unleSS othc1wlse ~...c in wrili~. Repelrw lD De pem,nneo at Seller'.
eXp4lrl:>8 IT\lIY be perrormeO by 6e~.r or thfO\Jgh CM.~. P'llvded toaT the wt>r' compiles with appbable L_. ,ncf.Jll1ng gavetrn1enlal petTTlit. in~on
; rIO ap/)ro\ljl reql.meme/Tt$. RepaJ/'i :>hilU De p..-fo'""le in a good. skJllful ..-nne-r wito mllferia. of qua'.y .nd ~pearaN:e ~arable 1D e>nsltnll
1T'I2t,,~al$ " 15 lln<lerSlood thaI eXiGI lest.orahon 01 _ppe_ranee or CC5metic:: Items folloWtng .. RecarfJ rmy rlOl be poulbll. seier st\aft: til Obtain
~cel?t~ for "aPIIlrs ~rtormed by Ofhe r5; (ii) Ptl:QaI'f • written ltat_nt ,ndQlI~ the Repa", p8rfO~ by Seiler and the data of suell ~an: r.d
lill) pro,lde COpIeS of receDlS and Slatements 10 Buyer pnor 10 final lICrfleallor. of condition.
11. BUYEr< INDEM/oIITr AND SE..u;R 1'ROTECl/Oflo FOfl t:lliTRY UPON PRO~TY. Guy", lnai: ii, .... p \he FI~i,j free and -dear of ieh$: jilj
Reoair all d;m"'llc IrtS"'9 trom Bvyer InveshoatioM' and (Ilil.ndemnriy il'lCl hold S.Ucr nllrrnles5 IrOm aM ~ liability, claims. dernancls, damages
~na CO~t$. Buyer Si'leU ::.arry. Of BU)'fr $hali ~oui,e .. nyone acIIflQ on !Iuyer', beh8~ to carry. PO_cies of IllIbIftty, ~rs' CO'I'TpCInsallcln .nd olller
appllCJIble rn.ur~1\a oefendl"9 and proltdlllg seller trOf"l ijllOl'lily ror Iny InJura to ~r$Ot'lS a prop.~ oCCtJrMg durong any Buyer Inotl!Stlg.tion$ Dr
wOf\< done en the PooQerty at Buyen. Olll!ClOIl prior to CleM 01 E.serow. SeJle, • :>d\li54d!hat C2rt.ln prowClions ~y be atfcrded Sellw by rec>Ordrng •
"NOllce of NOn-",spo~slb;lIty' (C AR. Form "INA) tor ElUYM In~ Ind worl< acne on tI\t Prapert)' lit ~ $ C1arecticn. Buyers ObI'9IIlQn:l
ufKTer tho:; pafilllraPn 'I'I1I1i s..-vive ltMI ~nnll'labon 01 !his Ag-.,erll.
12. 'rIT'U AND VESTING:
A. Wnolll tile lime specfl«l In r""aQrOlPh 1<4, Buyer shaW bv provided. a.UTent preliminary (title) repgrt. when is only an afIaI by 1M tMe insurer 10
L£sue a polICy of Nle lflSuranu and may no! cont.atl evety item ;ltedln; lllle. e,,)'1!f', revIeW of the pnI/lrnin1ry reoort and .ny olher maUers whdl
mby affect tiue lO,. I c.ootngency of Ihi5 A(lreerrwN •• SP&eI'ed in ~ragraph 1~e.
B. Title ~ ~en in ItS pl'elant condntcn "",bjecllo III eneumtlr'ances, usemenc., coven.nll. eondticnl, reslric:tlona. r1gNI.'ld other I1llI1!elS. wttetlll~r
of record or 1Kl1. liS ot 1he aate of ACO!'PlOInaa except (I) anonelOlry '-'IS 01 retard unless Buyer is .kun'Ill!g It''Ae ohuoaars ar ..... inQ I!le ~111
subjeCI 10 those ObltglllonS: Ind (ii) Ihosoe mine,s _idI ~r hi" ag~ to _ in ""'lin;.
C. Wilh'" ~ IIIN specrliod Il\ p."'graph 14.0.. s.ller nal a duty lD d,sclos. to Buyer.1I macera kr1OM1lo Seller aftKt'ng !lie. wt1eltler 01 rewrd or ~ot.
C. AI CI05e Of Escrow. Bu~r snell 11ete,,,. ,
grant OHCl con"'Y'ng tiM (ot. lot stoc:I< QXIllera.M or 101\9""'" Ie .... an aui9n1'tWflt 01 sltlok
oertnc.al.. or o! Selier S leasehold In'erftll. inckl<ling 011. mne,..1 .nd water riQt115 II currently owne4 by SelIItr. TIle shell vest lSlI cleslgfteted In
BUY\'r5 sucplemental .aa- mstNdioI1S. 'nolE MANNER OF TAKING TITl.£ MAY HAVE SIGNIFICAHT ~QAl.. AND TAX CONSEOU9ICES.
CONSULT AN APPROPRIATE PROFESSIONAl..
E. Buyer _n.1I receive a CL TAiA.LTA ~r', Policy of nile InwrOlOCle. A tillQ company, III Buyer'S 1'1IQuest. cen I)fCNIde informlllon lIbout ttle
aVllilabi~y. oeslrabiiity. CO\Ierllae· lind cost of vanous IklII inau,anc:. UW....p6 Ind endCHSCnlents. If BUVet' oesitU tlIIe COII'Irave olhar Ill." rn.t
I~urred by this paraol~, Buyer shllh inmuet E5crow Holder WI writing '1'lCI ~y IIny r.etMM In Q01t.
13. SALE OF BuYEI\'S "FtOf>£RT't:
A.. This A\l'Hment If, NOl contlnpent upon lllI Ale CIt any propec1y ~ by euy.r. ,
~B. 0 (If checked): ne ~cned aoOttndum (CAR I"ctm Cop) rcgardllll/ the oonlingency lor tile ~ of IlrtlPertr DWMll by Quyer .1ncoIpo..-"
i",O tl'lisAgr••l M n l · .
1... nlllE PERIODS: REMOVAL. CW CONTINGENCIES; c.flICEI...U.TION RtGHTS' The lollowlnu tlrnll pertodt mey only be ....... ded. "'rwd,
modl~ gr cnwaged by mutuel written agr.em.nt.·/4.nt Nmoval of c;ontlngenc:_ Of cencollalion under INa panl$r8t'Il"'ust 1M In wrtting
(CoAJIl. Fcn1I C R ) . ' . " :_~ "
A; SEI..LER HAS: 1 lOT [J _ _ ) Days Afbtr ~tanca III de~ver 10 e~r 1111 ntpOrtll. dlaclaSu,.. III'1Cl inlcrm8tlon tor w111c:h IleIIe1 is
relPon_lb. unller pervgrep/la >fl. 50'. and e.SA. 76 lind 12. _•....
S_ <'1 BuYER lolA.!l: 17\ot S _. lO.ys AUr Accep18n<le. unltaa o1hervriM ~ In Mltinll, »:
I'
(i) cornpllllt Buyer ImoestlgMJons: 1Ill1l""" ,II CIIsc105ures. "'POrl!l and "Ther aople.tlle itlfonnation, IIof1IC1\ Suyer ~1Ves froII'I S.-r. 1ft(!
.ppr~ aU matlet5 .flacllng 11'1' PteP9tt)' rmdlolOlng lll&d-bIIMCl p.inl .. nd ~.o-~d pelnt hUllroS lIS _ " . . Oltler information apeclfJed In
per,g",ph!t snd ,"~Jftty Of Buyer and 1Ile F'rope:l\y); and
(il) retum to seller 5'9* Cooito5 of Stah£ory Ind Laed Olcclol:UfeS d~n::cI by set.r in ~1'I1l1 With ~ 6A.
III W~IO Ihe twre a.pedfllld In 1~B( 11. Buyer mil)' Nque=t lPl.t saM., mike fWpeltS or t8IIe any otner .ctJon Nl911~ the Property (C..... R. Form
R~ I. 5e11ll, II... no ob~gnon tQ Il9ree ttl or rtapond to 6uye"1 ,.que••.
(3) By tIM and of the lme speof18d In 1"9(1) tor 21 lor Ic;In coPlbfIQency or 2J far :l~1s.a1 C4ntingenqr), Buyer Ih8I~iI1 IrYring. t8tnOVR the
~pplicab. eonu'lprnO)' (CAR Form CI't) or lAnoel thll Agreemeflt. However, If lhe following Iflapedlona, ~"" 01' dlllcIoalmlS a,. not"..,
Wi"in II'Ia tiTTw ~dl\ed in 14A. hn BUYer ha5 & (~O ) Ooy. Iftllr recaipl of arty au"" ....... Of lI'le trnll ....cHieG I~
1.B(1 j wtnch....r II IelBr, 10 renlO\lt _ .pplicabic oor-tInoancy or cancel this Agrwement iI'l Millng: (I) gOYemment-manda1e<l lMpecIIonll or
",pons ~ired II I C:Ond~jgn 01 cloSing: or (II) Ccmmon l""'r$ DisOoslJn:s p~ 10 peragnopll ell.
C. CONTINUA. TION Of CONTINGENCY OR CONTRACTUAL. O!lUGATlON; S£1..LEI' RIGftT TO CANCEL:
(1) Scller right to C.ancel; Buy.' C o ~ : Seller, .1Ie, fnt llivlng Buyer a Notloa ll:l Buyer 10 r.r1crm (01$ apedfJed belclW), ~y ca~
thi5 Agreemem in _ling illIG auttlo~ retum of ev,.er'. t1aPOlIl if. by the litTle spedled in lhi. Ag,...mefl'l Buyer doel nCIl: ~ .. wrl1ng
the applic:ablll confj"ll~ or ca~J Itri& AQreem.fI'l Onc:e IIU c:ontlflgenCleI have Deen .. movel1 ~'''''' of eJtner Buyw or s.t., til CleM
QSGJOW on time m8Y be II brNeh Of IPI. AglllefTlent
(2) Contin~ of Contingency, EVlln "Ilar ltIe upirIIlion of tM lime 8P"cifie<I in t 48('). Burer mains the right lD mike llIqUUlI til Sitler.
remove In "ritlllO ll'\t lIPPIiuble ccll1in98f'lC) Of c:anotl thit Agreemenr vntil seDer cancela l"lr5uant III 14C(1). Onoa St/ltr .-;~ Buyer'.
"""mn rllmO\l_ 01 all Cllnbngenc:ies. s.., mel' nut C1!noel ttl. Agreement pursuanl to "C(1).
(3) SO'''''' right to Ca"cel; Buyer Contrlct ODlIIl.t~: Se~. "tier tnt 9;"ng ~r a Notice 10 Buyer 10 Perfom'l (M aPl~ ~}. mlY
cancel this Ag~ m _rtirlg 4IfltI .Ul'-OrlZa ret,," of Bu"ers deposit flor .ny of the fc11OW1"ll .-..on.: f111f 8u)oer "'... III depollt funds ..
r.. qUJI'eCl by 2A or 2B. (II) If Trle f",es doIP~,1ed pursuar'lf 10 2A or 28 are not 900tl lIItTen oepotUd; (iil) If Buyer laill 19 prOYICSe • I8lrer I.
leOUI'l!d by 2G; (IV) If Buyer faihl TO pro""'" wer{Jeation III reQuired by 2101 or 2L; (v) If Seller reasonCltlly i:lisapproves a1 tile vertfgllor1 p~ided
by 2H or 2L; (vt) rt Buyer "\IS 10 "'tum StAlutoty al'lCl LN4 D:$d~urn IrS requQ(l by paragraph ~ or (viI) If 6u)'er flIlll1 til -'Vn or Inllill •
!>l!p~rabe li:lulOaled d. . .S- form tor lin Increa&.d dePosit .S rlquired by p;/faQrapn 16. ~"r .. not .-qui~ to S.... Buyer a Notice to
p.r1orm ~ ..d'"ll CION' of Escrow.
I') Nctico To Buye, To ~rf....... , The "'0bCII ttl ~ III Perform (C.A.1It Form NlSP) 5l1li11: fl) ~ in WTttItlll; (II) be aigned by Seier; IfIClIIUt ~
eu~r II _ I 2"lor U ) houtS (or until the IIlne aoecafed in lhe applicable I>ll'allr1lph. ~n !Nt) 1ll1lIlt. the .pplic;ltlle
ac:lio<1 A NOli<» 10 8uyel to Perfom'l may rlQ( be given any uri*' thaI' 2 D.!y:s Prior III the expntJo.,
• contJ"glm'y llf once/ifill AgtMrrwnt or 17lf!1l' 1>flCl3) Dbhgllion euyen lnrtilllS (
SeIer's Inttil~ (
. ){
) (
)
)
tE:r
II(;ahW am. for ~uyw ra '-fT1OlIe
=
r-~Dynghl C; 1iVlo2Q02 CALIFORNIA ~OCIolo'T'lON OF RlAl'rORS4I. IN<: I . I
RPA-CA REVISEO 10lD2 (PAG! 4 OF 8) :~..,. c. =-WT~
CAlIFORloI1A RESIDEHTlAL PURCI-lASE AGREEMENT (RPA-CA PAGi A O~ 8) T62892.10.l.FX
705 / 745 1
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
lB/22/28e4
"C""
15: 42 . '
01; vUL.LJnCLI. ljAN. .i31
310 ,71 ~834 i
MtlRA~
• SE, _'04 3:5;jpM;
PAGE es
PAGE 6nS
Pl'Qpe~ Adorns. 321: ~ PeCIc;n .,.p ~ mIl. ~.A 202J2 Date:sU'Cc:ahcr f 20P4
D. EFFECT OF BUY~I'l'!i REMOVAL OF CONTINGENCIES: " evyer ~ . n ....mlng, an~ eorlllflge1lCf or ~1.lIOn 'Igt'lls, 1IT'les$ olllcIWIW
SDecrfJeQ J1 J S~3r'tl! wnnn "9 r "rnent between Buyer .nc! set..... euyer sllaU conc:iJSlYety ~ ClMnwd 10 lulve: (l) completed aI 8uyer
1".e"J9abo~, .nd revIeW of reports and OIlier appllCaPie In10fTTlllT>On .nd diSC!oswrws ~rta",ng ID that <:onh~ or c:enoeu.ii<ln right: IIl).ded
to I'rooaeo W1t1'l In. tr.ln5aC1)On. ~nd 1111) a5SUITlIoO ailliabihl~, IlIlSponwiily and cllpenn Icr RePan or ccrr'llCllOnl pertan~ 10 lNlt Cl)IttJng8nty or
canCO!lIahon righl. or tor lncK>ilily ID obtein me"oill9'
E. EFFECT Of" CANCELl,o,TION ON DEPO!lTs: If Buyer Dr Seller 9i1res wrill8n nouc:e d Cln~illItion P~n11D nghts duly ex~ under llle
:':'1,,;,' of rh'lI Aol,... ~ent I'llJller II~S~llIr agree 10 S9" mulUal.nstruct~to e-nOlfllhe sale ;nd GCCrtM' and relea3C a~ less fees end
costs. 10 IhI! p~rty .milled 10 the fulldo; Fees and COSts may be payable r.o servICe pnovlllel'5 and vellOOr3 for servic= aoo 'Pfodue:t5 pmwuecl GoirY.g
esCIOW. Releese of lunas will ~IIW mutual Signed ~"a. . I.... truetlon& Itom Buyer and Soller, judicilll Oeciaion or arbitrMion _I'd.. A
party may be SUbject to II civil penalty 01 up to $1,000 for r.ntA' to Ill'll" such instruetiortS If no 000lt folith Oispca ~I_ a '0.1'lo Is
entilled to the de~ited funds (eMI Code ~'0fi7,3),
15. FINAL VERlflC,l TIOl'/ OF CONOfTION; auyer sNI have me riQIlt to I'NIk.I ; flnll jmpeaion of \he ~ertY 'MIll..... 5 lor 10.,. Pttor
Ie Cle.e Of &erow. NO" AS ]I, CONTINGeNCY OF' THE SALE, bu. s.oIe/y ID corrfrrn: II) ltlI PTDPerty it m.rna....., pursuant 1D pal'3graptl 7A:. (ii,
Replll!'S nne been COmplP.led .as 110-: lind CIII) 5e''''1 !'laS co~tell ..nth Seller', oIMr obli9atiOf\l underthil ""ree_nt
16. LIQUIDATED DAMAGES; If Buyer filii' to complete this purchase because ~f Buyers dllfautt, Sell., shall retain,
as liquidated damages, the deposit actually paid. If the Property is • dwelling with no more than tour units, ooe
of which Buyer intendS to occupy, then the amount retained shall be no more then 3% of the purchase price.
Any excess shall be returned to ::luyer. Release of funds wm require lTtutUal, Signed releilse instrUction!: from
both Buy~r and Seller, judicial decision or arbitration awa • BUYER AND SELL!!R SHAll. SIGN A SEPARAn
LleUIDATED DAMAGES PROVISION FOR ANY INCR t:>EPOSIT.(C.A,R. FORM RID)
&~ar5 11iit~.. s.nan Initial..
17. OISPlJTE RUOt.unOH:
A. MEDIATION: Buyer aM seU.., aOrR tD medl.ta any cli&;:luU! or claim anaing ~n tnenn out ollhia Aoreeme<lt or.-.; IWl<lllil'lO ~I\.
before rKomng 10 albilra~on or ,;oun.cllOn P..a9~h5 17B~) and (3} be\Qotal aPPlY whether or nor the Artli1nabon pro_ion. irlltiaa.d. wedlafloto
I~. If any. sh.n be djy;(jed -eQ~aly llmo"ll ~ partiel inVO/Yed. If. for any ~utI or ~ to wt'ICII 1I11c p"'gr.aph =allPhel. arrv part)' comnwnOH
an aclion WllhOlA flrsl atte~ 10 ,....... the melte. ttlnougIl mediallon, or refuses to IlWdgte aIler II request ~& been rnaoa. ~ that pany
Ional not be entitled 10 re<:oYer attol'TWy -.., even If ltlf')' would otherw.e be ....O'ble to 1I1at patty in any tUCII adlcn. THIS MEDIAT10tol
AAOVI:SION AF'PUES WHETHER OR Ncrr TI-j£ ARBrTRAllON PROVISION 1$ INITIALED.
s. ARBITRATION OF DISPUTES: (1) Buyer and Seller agree ....t any dispute or claim In Law Of' equity ariaing
be-tween them out of this Agreement or any resulting transaction, which Ie not settled through mediation,
shall be decided by neutral, binding arbitration, Including and 5ubjeet to paragrapns 17~2) and (3) below. ~
The arbitrator shaU be • retired judge or justice, or an attorney with a1 lell81 S y~,. of residential real . .tate
Law experience, unless the parties mutually agree to a different arb'trator, who shall render ;11" 8Wi1rd In
accordance with SUbstantive California Law. The panJes shall have the right to discovery in accordanoe with
California Code of CMI Procedure §1283.Q6. In all other respects, the .rbltration shall be conducted in
accordance with Title 1 of P.rt III af the california Code of Clvtl Procedure. Judgment upon the award ot1he
arbltrJILOr(S) may be entered Into any court haVing Jurisdiction. Interpretation of this agreement to arbitTate
shall be gow:med by the Feder.al Arbitration Act.
(2) EXCLUSIOHS '1'1011 MeDIAnON ....ND ARBTTIU.TION: n.. following _ _ ... aRl..-cl from mediation ana artIllnIIion: <I, a Jlldtctat ..
or oon'iIJcllclal tD.-laau" or atrler ,C1ion or pl'DOe9dlng to ftlfOf"Ce ~ dlMlCI of trust. mo~~ or In$tII'~m lena 'Ale contraQ _ cIefInM
in c.lifvrnia Civil Code §Zt8!i; III) an unlawful o.tai.wr action: (III) the filing or entorcemDnt at a tneehanlc'lI ne~ and (""817)' ~ tNIt
iI ""lhtrntle )uri&dic:tion of' proba_, ~n claims 01 ~rupley court. T1w "ling of. ecurt.cticIn 10 enabl. rt. ~ordInc of 8 nollN III
pending .aIOn, tor o"'r of anac:hment. recelYershlp, In}UI'lCUon, or other provisional ~med"', aha" not constlbnl • _tIMr 01 the
mediallon and , rbltratlor> pnwialona.
(3) BROK!RS: B~.nd S.1"r 8!J'" 10 rMdlate.nd arbltTMe dt~ or ctattna lmIolving e"*- CII" I:lOl11 Brokel"l, conststent wI8I 17 A
lind I. provieted either or bath 8ro1lers 'hall haw agnle'CllO auch rn~Wlon cr erbltration prier to, or within 8 _onaDte time -'bar. tl'Ie
d"putoo or claim" prwsented to !roU1S. ADJ -*uon tIJ ellher or bath Broken 10 partlcipet8 In medgtoon or lIt1JllrMkIn _hal not NSU.
in.lSroll.ra being _m.o partiea to h ~~
"NOTICE: BY tNmALING IN THE SPACE BELOW YOU ARE AGREEING TO HAV! ANY DISPUTE
ARISING OUT OF THE MATTERS INCLUDEO IN THE 'AR1UTRATION OF DISPUTES' PROVISION DfClDED BY
NEUTRAL ARBITRATION AS PROVIDED BY CALIFORNIA LAW AND YOU ARE GfVlNG UP ANY RIGHTS YOU
MIGHT POSSESS TO HAVE THE DISPUTE LITIGATED IN A COURT OR JURY TRIAL. BY INITlALING IN THE
SPACE BELOW YOU ARE GIVING UP YOUR JUDICIAL RIGHTS TO DISCOVERY AND APPEAL, UNLESS
THOSE RIGHTS ARE SPECIFtCALLY INCLUDED IN THE 'ARBITRATION OF OJSPUTES' PROVIStON. IF YOU
REFUSE TO SUBMIT TO ARBITRATION AFTER AGREEING TO THIS PROVISION, YOU MAY B! COMPl!llED'
TO ARBITRATE UNDER THE AUTHORITY OF THE CAUFORNIA COCE OF CIV1L PROCEDU~. YOUI\
AGREEMENT TO THIS ARBITRATION PROVISION IS VOLUNTARY."
"we
HAVE READ AND UNDERSTAND THE FOREGOlfotG AND AGREE TO SUBMIT DISPUTES ARISING
OllT OF TttE MAlT£:RS INCLUDED IN THE 'ARBITRATION OF D/SPlITES' PROVISION TO NEUTRAL
ARBITRATION." I Buy.r'a ';"tiIlIa I ~t.r'$ In~
_.
1
- """,
706 / 745
Court File: "Volume IV Continued" ~
PAGE 7/15
?ropenyAddres,:3.Z0 s. hc::r Pr",r€ Be-erly 1111',. pi 2~21.z DlUe: Stop telP«r' ~!2 '"
18. PRORATIONS OF PROPERTY TAXES ANO OTHER ITEMS: Unless othel'Wl$e agreed In wrilJng, tne following itQ1TlS Mall be PAID
CURRENT and prOrlllcd bi'tWeen SUY&f and Seller iii of ClOse Of Escrow: real property 1aJce$ imd 3Sllessmlnls, Interes;l. rerns,
HOA regular t.peoel. and emergency due~ end l!IsBe!lsmel'llS Impo!Wtd prior to Close Of Escrow. premiulTlC on Itsurance 8Mumed
tw l3uyer. paymenIG on bonds and .ssessmenlS BMlJrned by Buyer, ena Davm• .,lS on Mello..Roos and other Special Assessment
Dlsll1r:t bO<'1ds lind aneS5menlS that lire n()\o\l a Iten. T~ folloWing ilems sn.1I1 be assumed by 6uyer WTHOUT CREDii lowa,u 10"'11'
purchase pm~: prorated payment6 on MQlh>R~ and ather S~l A\:Geumern District boncI5 end IlMe"$m8~ and HO" ~
1l5Se~ments lhat <lfe no.... e hen bul nol yQ( due. Properly will be r8OlllstS&ed upon c:tuII'l98 of ~It!tp. Any lIupplemlNlt:at tax bils
shill! be P3id as fo'ows: (i) for penOl11O 4!ner Clost! Of Escrow. by Buyer. end (illlof' periods pncr to Close Of EW'OW, rty Se.er. TAX
BILLS ISSUED AFTER CLOSE OF ESCROW SHAlL BE HANDLED DIP.ECT1. Y BE'T1M:EN BUYER AND SELLER Prorations sholll
be molde based on 1iI 3D-day month
19. WITHHOLDtNG TAXES: Salier and B~r agree to ex"eute any instrument. llffid8vil, statemenlot instruction reasonably nee.nary
10 comply with federal (FIRPTA) and C.lifomlll withholdll'9 Law, if requlred (CAR. Forms AS and 10.8).
20. MUL1lPLE LISTING SERVICE ("tilLS"): Brol<.enlafe aU1horized 10 report 10 tne MLS a pending &ale and, upon Close Of E$C2UW. the
lerms of thiS Illlnlilloion to be published and disserTWM1ad to pen;orlS and entitMts authoriud to use the informallOl1 on termll
approwd by the MLS.
21. EQUAL HOUSING OPPORTUNITY: The Property is sold in compliance with ledtlfill. s~ and ~I anli-diacnlTinlltion Law&.
t 22. AliORNEY F'EES: In any lIction. proceedin". or artlitr81ion ~"n Buyer and Seller arising out of this "greernerrt, the pr.wlling
Buyer Of S.tar lOhall be entitled 10 raasonllble ~orney fees and 006tS from the nOl'l-preveiing Buy,"" or Seller. Cl'cepl as prol/ide(l in
p~r~graph 1710..
23. SELECTiON OF SERVICE PROVIDERS: If Broke.... ref. Buyer 01 Seller to ~~. vendcn. or service CIt product JlI'cMden
(-Provider."). Broilers do I10t I;/uarefltlle the performance of any ProViders. Buyer .net seller mIIY seIoct ANY Provicwn of their own
chOoling.
24. TIME OF ESSENCl!; ENTIRE CONTRACT; CHANGES: Trme Is of the ealO8nce. AM undQrlIlanding. belweRrl the partie8 8re
incolJlor.ried m !his A9r~rn. Its termll are irlttndad by the p41rtifi as a finlil. complete and esesu.Ne expn!isJon of tneir
Agreement with respect to Itl subject malttor, and may not be contradicted by ~d&ncc of any prior agreement or oontem~OUI
ofillllgrHm~nt. If eny pr~ion of lhis ,A,greement Is held to be l~ffectJVe or invalid, Ihe ~ining provisiona wil neverttlft5S be
liNen fun force and Ilffecl. Neit~ ttl;' A9f_mltnt nor any provision in It may be 8ll\endecl, amendad, mocllfae<l, altMed or
chanEJed. pcep1 in writing Signed by Buyer and Seller. '-,
2S. DTl-IER TERMS AND CONDITiONS, including a\1aOhed 6 U p p l e m e n 1 s : " ' ; ' ~~
A. ~r's Inspec~ Advisory (CAR, Form B I ' .'
B. Purchll$t A reelTlltr1t Addendum . R. Form AA numblrl:
C. seHer to PAY ~ C;lg,w,inq "",,1:" i l l All !I!I!2Wl.t oQQt to IHC.-d 2' 'PO p9Z'l;tiIC;) o~";be t':iDa"l
pura"'''' ppee i!!J,lwr:4' ...... t.he: b!ml!.Z: hp,lck • CAHgpay,. Resl li.eAt« Ug...,.,-
26. DEFINitIoNs: As und .nu.
Agreement: ., _ ";.,
A. "Aeeepl.8nce" means the time the orler or fna! counter etJer is aooepted in writing by It petty and • delive~ to and pe/'$ClMIIy·
recelv.d by the other PIIrty or thaI pany'5l1uthorized egenl in eccordence wIItl the term& of thI& o1'lar or _ 6nalmunter of'Iet.
a. -....
grNfTl.nt"' means ttlt terms and conctitlol'lS or
this acoepl-el C8~fomia ResidentiaJ Pvrch_.e AQreement-lIOd any a ~
COInWr 011.,. ancl addenda .-
C. '"C.A.~. Fonn- mel! ns the specific form ,.ferenced or snolher comparable fenn ,grHd to by the pst1ies.
D. ·CION Of Escrow" means the oate the Sjl"Zlnl deed, or ~r evide~ of traOlS1er 01 tme, 15 recorded. If 1tle &Ch~uled clotIe of
neto-lw tall, on , Salvrday. Sunday or ~ holiday. then c:toee of escrow shall be ltle 08lC1 bustneu clay after the 5Ctleduled
c1ol!leal escrow data,
E. ·Copy· ITI8lIna copy by any Il"IMIns incJudin; I)hctoaJpy, NCR, facsimile end etectrtlllic.
F. "Day,- means calendar days. unless otherwtee required by l.1W.
G. "Oay. After" m.an,
the speCIfied number of calender deyll efter the oc:a.nTence of the event IPeCifJed, nOi counting t/'lD calDnclar
dale on which It'Ie apecrli80 event OCClJrs. and ending et 11:e9PM on the final day.
~. "Days PI1w" mean. the specifled number or
CIIlendar ~ before the OCCllTlmOe of 1he aVQOt apeeified. 1'\01 counting 1M
c::8lendar dll\8 on whIctl In." Spec/fled rlent ia scheduled to occur.
I, ''Electronic Capy" or "Electronic Signature- means. as applicable, an electroniC copy Of 5&gnatlre complying with CIIIforni8
Law. B~r zmd SeHer agre~ thaI electronic:; mean, wi.
not be used by either Pllrty to modify or litter the content or integrity of lt1ia
A91'Hmem wtthout the knowledge and ClClnMnt or the othAr.
J. wLaw" ~anll llIny Jaw. ODde, statute. ordlnana:, rwgUlatlon. rule or order. which is adopted by. contloning city, county. s&aIe ot
federll1legist.t/vc, judicial or executive body or agency.
K. "Notice to Buyer tn Perform" means. dowmenqCAR. Form Nap). which 51'1111 be in writing and Signed by 8etler and .nell
gi"" Bvyer B1 jQ8s1 24 hours tor 85 otherwls. specifie.d in paritgraph 1C(4)) Ie rerneNe 1/ contingency Of per10rm as
applicable
L. -Repeire- means any "~Plilir. (inclUding ~ contro~. alteralio",. replacements, modifica~ns 0( retl'ofitlinll of tne Property
provided for under this Agreement.
M. "Si9nocr me.ns either a handwritten <:JI' electronic 5igM~ on an originlll docum.nt. Copy or any coun1erpart.
N. 5ingulllr lind Ph.lra' t.rms eacl'l inclUde lhe other, when awopriate.
Buyer'. lnltiak ( ~(
I Seiler'• .,It~" (-~ :(
_
C"JIrr.gn; ¢ , ~tl.2COl CALJ~OHNIA olSSOClATION ~ Ilt:ALTORS4P. INC. Q)
~PA-eA REVISEO 10102 (PAGE' OF 81 . R _ Oy
C.ALJFORNIA RCSlCENT1.4.L PuRCHASE AGREeMENT (RPA..cA PAGE 6 o~ 8)
0 ••
I --
--"
T62892Jn.7.'X
•
707 / 745
Court File: "Volume IV Continued" ~
PAGE B/1S
708 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court 10
16/22/2664
........ , 01.
15:42
\JVl..lJ\"Qt:l..L
e5tr1531
t::lANI\k:l-I; ~, 0 271 4834 j
MARA E. SEP·22·04 3:5SPM;
PAGE
PAGE 9/'5
11
,-'1.'1f' /~;
-----z;;-, 4, S -
OIult'>oralel 10 ,pcp\VP ,r Dy 5:00 PM on llle 1M" ~lencl.r dey al'lel' ttl. Olflr i' SIQ,.d t1y ~ (or, If dWdted. 0 by
:..e
Dale i:);lre ,
BUYE;- ~ ~ BUYER
N'i ",';Q SamaATl _
(Pnnl N.me) (pl1nt ~me)
1.227 112 S Alrr ..d .5U-t. Loy Maille" CA 9120J5
(Ac:ld~Ss)
J 2, BROKER COMP ENS~ TION ~OM SELLER:
~. IJPQfl Clote 01 E,c.row Seller Ig~es 10 PlY c:ornpe<l~atonto BI"O~r as specmec in a SQParale .....I'l!ttn ~"'emenl t>etweerI seller end ereker.
S, tI est:ro... does not cJese, companaallon IS Peyllble . . EpeCifIed In tMl sepalllle ""rlnen agreement
33, ACCEPT.U.ICE 0,," OFFER: Slll,-r warrants thlt 5 ....r It the own"
or Itle F'rooef1)'. Dr heli lI1e Iluthorlty to ~ e ttll5 A9_menl 5elter acc:eptsllW
allove offer, aptltps to SIll the Prop«!rty on ~ ao~ lemrs .rKI COIlCiIions. lind llgrees to the abOYe conflfl"-tioll of 8ger1C)' ~!lItionahtl'S 5e1'-, has
,uel and ;cl.ncwIl'!OQK 1f:c.e'l'1 of a CODY of ~ Agreemen\, and ~arius fltcke' to llel'ver a S(lned Copy 10 BuY'"'.
o (It checl<Ald) SUBJECT TO ATTACHED COUNTeR ~FeR. DATED
Oale _
O~tll
SELLER .' _ SELLER ---
~<WJl Z"..r.cil....
1.."Jr _
(PnntNa ....) rpr1n'~
lAdO......'
1 i .. ) CON FIRMA TION OF ACCEPTANCE: A Cclpy of $igred Acceplllnce _a I*ntOnaily "'CIltI¥8d by Bu,., 01' 8u)wf1 lIuthoriz.ec:t
(In'ialc) llg~nl en (Mle) .c _ 0 AM 0 PM.... blnmng Agr8ement" ~ wMn
a Copy of Signed Aec.eptance .. ~oNll" reeetved by Buy., or Buyer'c authorized ~nt wn.tI\er ~ not conIlmft irI
ltll$ Oocumerrt. Completion Cf thls eonftrmMion • not 119111)' ~red In order to e-\e _ binding "9,eemant; It is. ~
Inr.r\Cled to eVldene. ttIIl d8hI tl\ll ConftrmIItion of Acceptanc:.e has~.
Ut:TD'H l'\o~r lGo l>Cen:.ed ~ lhe Cah10mia ee"IIf1meTll 01 0 Cor~oral1cnl.D Inwr.nce,D Rhl E:s~te, Lx:elle •
1_ _ : - _) REJECTION OF OFFER: No COunr-r chi' it tl.lIIg rNId~. This otlllr wall revMWQCI Ind re/ec»d by seIw on,
(SellIN's Inlti<lb)
- ro.IO/
THIS HIRM "lAS BEEN APP~OViD En' TH\: CALlFO""lIl A.~~OClAnoN OF ~ TOR.SIl (e .A,Fl.l. NO I'l~PIl£$ENTAnON IS MA05 AS TO 'TliI L&CJoO.l VAlIDITY 0"
.. O[;OUACY OF ANY Pf\OVISI~ IN ANY SP£CIF,e 'T'PlANSACTIOH '" REAl IOST....TE BRO'(EIIl IS nil /'FilliON QUA~r"n) TO AOVlSi OH REAL ES1.-.Tf
Tl;AN$ACTIOKS, IF yOU 1'lF:,;,r<!Z LEGAL e'l TM ADVICE. CON3V~T AN ~1O'IoP~IATI PROFESSIONAl.,
Th. (am Ie ~"tillblc *"
u" by
1'lIlnIIl't ~ ubI", It'IlluAtI'f ~"rtC' ....
1IOell1O odCIIlIt1~. UM'r e. I A,£AL. T'~ REAL-TORe is I reg~ COII1iCl1"~':> InIIt
._-
,,,,,,,,,n IlIOy b. uwd only b'f Ml!rt'Vl'n rI. ..... Iol.l nofllALl\.SSOCIA nON OF REAl.'1'OftSa wno S<;l>SCI;~ 10 1\1, Coo. of E_ _
709 / 745
Court File: "Volume IV Continued" II
Samaan v Zernik (SC087400) Los Angeles Superior Court
1e/22/2~~4
~~~, CI:
15:42
vUL~LL ~AN~R;
~e7531 :310 271
~
"8~;
E~P.22.'" 3:57FlMj
PAGE 12
PAGE 10/15
~~
Cl'.lII'ORNr,-.
As~(lCIi\TlON
BUYER'S INSPECTION ADVISORY
OF FLEA L TO R..S· a
(C.A.R. l'onn BIA. RWlsect 10102)
A. IMPORTANCE OF PROPE~TY INVESTIGATION; The phYSICal condition of me land and Improvements being purcnasea IS not
guaranteed by either Seller or orokers. For this rea lIOn, you should condUct thorough investi~lion. of the Property ~Ily and will1
professional£> wno should provide written r\'!Ports of Iherr In\lestigalJons. A general physlQll iIlspectioJ'l typlcally does no! cover.1 aspects
of The Property nor Items affecting the Property ltllll are nol pl'l)'llicafty Icx:eted on the Property. If the prcfessionals I1lcollul'lef1d furtner
lnves~lfatJons. ,ndudlnO a re=mmen<1atlon by a pest control oper81or to inspect i~$sibll! are.~ of ~ Property, you ~hoOJld contact
qu.lifll~d e:otperts to conduct sudl addition" inve:s\JgeltOn$.
B. BUYER RIGHTS AND DUTIES: You havll an Ilffirrnar/ve Cut)' to elC8rdse reasonable cere to pl'oled yo",... tf. tlcWding dboovery of
the ~gal. pr8CllC')I and tee.'ni~1 ImplicatIOns of disclosed 'ads. and the inyostlg2ltion gild verillcellon of InforTTliltion and htcts Itwt you
know or that ilre witJ'lin YOlJr diligent attention and obWl""ation. Thtr purd1eae egrftmertt gives YtJU the right to ~,tigate the Property. If
you eXllrci:se this ri9hL .."d you should. you must do SO in 8CQOl'ClarlCe with the telTTl5 of ttIal il9'eement. ~ Is the ~t w.y for you to
pratect yourself. II is extremely important tor you to read cdl wrllten repor1S provided by professjonals al'd to diseuU me results of
inGPectioO$ WIth the profesSIOOaI who conducted the IN;peClion. You have Ihe right \'Q reqlJe$tlhat Seier make repai~, corrections or
1.\(11 otner "d,on balled llPon items discovered in your investigations or ditclosed by Seller. tf seller is unwillll'lg or uneble 10 satisfy your .
reaueS1S,. or you do not WOlnt to purchast- the FOropllrty in its ol!lao5ed 8nd di&CO¥ered amditlon. you have the Tlghl to cancel !he
agreement it you act within &PeCific timt ~riolU. If you do not cancel the agrHrnert In II timely ilnet proper manner. you may be In
~ofcont.-d
C. SEL.LER R/GI-rrS AND CUTIES: S4!11er is l'8Cluired to disclo"~ to you malerial r.c:ts
known tr:l himmer that affect the value or
deslr~bJIity of 11M! Property. However, Seller may nol be I1WOlre of &ome Property clefeCb Dt' cond1tlons. s.".r Ooes not ~ an obligatIOn
to ins~et the property for your benefit nor is Seller obligalQd 10 repair. correct or otherwise cure known defect; that a~ disclOSed 10 you
or prevlou$ly unknown defect. that are disa:Mlnld by you or your lT1Speaors dunng KCTOW. The pUl'd1ase egreement obligateS Seller to
make the Pro~ available to you for imles~QQtion&.
O. BROKER OSlIGA.TIONS: BrokenJ 00· not have ~rti8. In a' areas .na 'theretore cannot advl&e you on many nem., lI\1Cl1 •• lOiI
stability. geolOgic or "",,IrOnmenl.lll conditions, hazardoua or lIIegal controllM1 BUb8tances. SU\&dUIlII condition. of the foundatlon Ol' 0ltI«
im!>'ovemem! or ItIv conditlOo of lht roef, plumbing. h~Q. 8Y condlI~ e~. -.r. ~. weate dlapoul. Of other ~yswm.
Tt'le only way to llcourately d4ltermina In• .conaitlon of the Property is through an IMped/on by en appropri"l~ ~Ional MIe<lted by
you. If Broker gl'ieS you rete".... 10 lIuttl profesaonals. Broker Cfoell not gUll,.nt" their performllnce. You may Hied aTPi proteulonal
of your ctlOOSIf!il In UIeS Invollllng residential clwtIllingl wth no mora than four unltl, Bro~erw h _ II duty tel make • diligent visual
insPeCtion of the .cce,.lbIlt areas at the Property end to dllclo&e the results of tllllt ~Ion. However. " $orne Prcpetty dQ'lIet5 or
conditiOns may not be discovereble from. visual inspection, II • poa&lble Brt*eft are not IIW~ Of them. If you nave .... t.red infO a
wrttten agreement with 8 Broker, I~ spedfie lerml of tllll1 agreement will de\.ennine the nstu~ and EXtent of that Broker's clJty to ycu.
YOU ARE STRONGLY ,,-OVlSEO,O INVESTIGATE "HE CONDITION AND sunABILtn' OF Au.. ASPECT'S Of THE PROPERTY. IF
you DO NOT CO SO, YOU AR! ACTING AGAINST THE ACVlCE OF &ROKERS.
E. YOU A.RE AOvtSED TO CONDUCT INVESTlGATIONS.oF THE ENTIRE PROPERTY, INCLUOING, BUT NOT LIMITED TO THE
FOL.LOWING:
1. GENERAL CONDITION OF THE: PROPERTY, IT8 SYSTEMS AND COMPONENTS: Foul'dation. roof. plumbing, IlHtlng, ell'
conditioning. electrical. ",.ctlenql, s.eeurlly. pool/spa, other struetur.ll and non-Jl1\Ictural sysie",- and components. fixtures,
bUln-in eppqnces, any pe~nal property included It'l tha 581e. and el'lergy ~1'lCY ot the Property. (Structurel engineers are beat
suited to detllrmine po~le design or COr1struetion defecta, end whither impro~ are strUtturally .aund.)
2. SQUARE FOOTAGE, AGE. BOUNDARlfS: SqUilre 1tlotapfl, roQI1I dlmen~ons. lot size. age of improv.merrt& and boundarieS- ArTy
nlJ!Tleric8\ ttatementr. regarding th.se Rllrns are APPROXIMA nONS ON\.'f end have not. betl"l verified by SeIter and cannot be
Ylrrifled by BroIte~· Fences. hedgeS. wallc, retaining walls Wid other natural or constructed ~"~ or ma,qrs do not ne<»IUrily
ioef'tlfy INIP Propeny boundaries. (Professionals such as apprelSera. erchilects, r.UlV~ .nc1 cMl engineer. are be5t sulte<l 10
delerrnne lSQU•• footolge. dimen5ions and bounl»rte5 of Ihl Property.)
3. WOOD DE~OYING PESTS: Prell~ at. or conditions 1Ilte1y to Iliad to the pl'eSClrlCle of WOOd destroying pem and orgenisrns
and other mfest8hon or infection. lnspeClIOn reports covering these lIerTl$ can be sep8rale<l InfO two section.: Seaion 1 iOenlifles
areas wnerc InfesustlOl1 or infection is eviOent. SectiOll 2 identiflas «a6 Wher. ltlere .re conditions likely to lead to infestation or
infection. A reglstered stru<:!Ur., pest control company is best suited to per1cn'n tl'lese inspedionl.
The copyr9ht 1_' of tn. Ur1l1ed ~ (Tlie I T U.S. Code) f\:lrtlid ttlI
"n'\J\hor~e<l '1>prodl>CtiQn ~ l'\lI. ~""'. or any ~ \I'le'aof. ~ pn~ Buy.r'. Inlie. (
7$ )< )
"""Gil,,,. 0' bnv o~r "",,0,... inGluct"'9 facamile 0' ~ennd lor"'.....
Gl
--
Selle". I"iiaill ( ) ( - - --,
copyri!lm C 1~1·2ao2. CAUFDRNI,a. ASSOCIATION OF REALT~. I
INC. ALL RIGHTS ReSERVED
BIA REVISED 10/(12 (pAGE 1 OF 2)
~hOtw'" by . Dele
.....
,..,.
BUYER'S INSPECTION ADVISORY (BlA PAGE 1 OF 2
Ag.ne N,vle S,m'.n "'hOlM: (310l<'711835 ~u.: r~10)
Prtpenad ualng W1"1FarmR> ~ofl"'''
B'OkK Glll"n" .. Griffin ~NItDr$ 1333 Westwood !IV'll.. • Los Anll.... CA PIlO~
710 / 745
Court File: "Volume IV Continued" [2-
Samaan v Zernik (SC087400) Los Angeles Superior Court
IB/22/2BEl4
_ ••
15: 42
"",,,,,,_ ••nf"'~t.
3.07531
L,)·''''lIlilt\.c:;n j
310 271 4634;
MARA E~ PAGE 13
SEP'Z2-04 3:57P..; PAGE "/15
Property AQdress: .120 S p~cx D.c... .,., l!I",ver.1y /f.i.U" , Q\ 90212 Dtte: S.,l;..".r f. ~OQ'
4. SOIL STABIUTY: EJclste~ of flW or cornpaCled soi. expansive or contr3ClJng loll. IUSCQptibillty to lJippage, settling Of IT'lOYem.ent.
.md the adequacy of drainage. (Geotechnical engineers lire besI suited to determine SUCI'I a:mdilions, <:auses.nd remedil:c.)
5, ROOF: Present COndIOOr>. age. leeks, Olnd remaining L1Sef\.Il life. (ROOfi~ contractors ltI"e best suited to determine these CXll'lditionS.)
6. POOLJSPA: Cracks. I"ales or o~rational p~ms. (Pool contradors are best Sl.Mted to determone these conditions.)
1. WAsTe DISPOSAL: Type. $lZe, 9dequOiCY. capacity lind conciiUon uf se-.~' lind 6~ :;~·!'tems ana ~~_~ r--;nOlection to
~ewer. llnd llppllCable kl"".
8. WATER AND UTIUTES; WELL SYSTEMS AND COMPONENiS: Water and ullfity ...,ailabirtty. use restric:tJO!'\$ and Wllter ccms.
qullJity. aCleQutlC;Y. condillon. and performance of well sysuems omd corn;>onents.
9. ENVIRONMENTAl HAZARDS: Po~nlial environmental h22erds. including, bl.Il net limlled le. asbeStos. le.d-based paiflt and oll\el'
lead cont.aminello n , radon. mert\a~. otn.r gaGer.. fuel 011 or et1emica\ stofa9t tal\k$. eornammaad S(lil 01' WIller, haZardous waste.
WilsIe cllsposlll siles. eleClromllgnetlc fletClS. nudear souras. and other 6Ubll1ances. m.wriilil. Produe:ts. or a:>ndition5 (incllJdll'lQ
mold (alrt>OmlI. tClX'C or otrlerwlse}. funglJS or r.imn.r contamll'\81'lts). (For more mformatiOl'l on theac Item&, you may consult Bn
appropriate profeSSional or read Ihe booklm "Envi~ntal Houardl: A Guice for Homeowners. Buy~ Landlords end Terl8nis:
'"Profect Your Fsl'T1lly From Laad in Your l-4ome" or battI.)
10. EARTHQUAKES AND FLOODtNG: Susceptibility of the Property liO earthquekaJHisn-ic ha%8rdsand proF*'fily of ~ Prcperty 10
flood. (A GE-ologist Or Geotechni<;Q1 Engi~r Is best sUited to prOVide Information on these oonditlons.)
'1. FIRE., HAZARD AND OiHER INSURANCE: The availability end coss of necessary or desired in9UlWlOt nvy Wiry. The location 0(
the Property in a sei$mc. flood or fire l\azard zone, snd other conditions, such as the age ot 1M Property and the ctaimI hlstl:lry of
the Property Jnd Buyer. may :Ilflec\ \he availability a1'Id need for cemlm types of insurance. Buyer ahould e'lQ)I~ in.ura~ op\~
early '$ this informetion mIlY affeC1 O1her decisions. including the removal 01 lOan and inSpedion conti~nciH. (M insurance eger"lt
is best .uMd to provide Informa1ion on these cond~ions.)
12. BUILDING PERMITS, zDN1NG AND GOVERNMENTAL RfQUIREMENTS: PermiU. Int;peclions. O!lft'fIcatea. zoning, otl'ler
governmental hrTlitatlOns. ~lriQiol'l$. and requlremenlG affecIJng the current or future use .eA the ~reperty, iU development Of siZe.
(Such informatiOn is (fvailable from appropnate govemmen1ill agencies anc;j private ,"formanon pl"OVIdera. Brokers .,. not QuaIif'ed to
~vlew or ln~rpret any such information.)
13. RENTAl PROPERTY RESTRICTIONS: Some c:itie5 end oounllea impose restriclloOl lt1at limit the amount of rent tNIt CIIn be
ch.r,,~, the ma~imum number of oec~ntl: end the rignl of II landlord to terminate a tenancy, DelldbOll or 01het.1OCk* and lJlI'!IJUrity
svsterns ftIr doo~ line wradO'lltS. inCluding window ~, 5hoI.td be elfoarn'lMcl to determine Wtletner "'-Y ..tilly legal reQUirements.
(Government llgenoe& can prOVIde information abcur these restT'lClionS and other requiremem..)
104. SECURITY AND SAFETY: State lind Ioc:8I L_ mey require the Installation of barriell. access a~ selt-tatchlng rMdleniams
end/or other measurea to decrease thQ risk lQ children and ottler per$Ol'lS of existillll swimmIng pooll and hot tubs... _II as veriol.w
fire sal~ and othef measures concerning oCher features of the Property: Compj~ance reQUirementS differ from city·to cItY and ~
to county. Unlf!f;S lpecHically aoreed. the P~ may not ~ in compllenca with these reQulremenlS. (Local government agellClel
can Pl'OIIide k'lform;ltlClfl abOut ltle.. retrtrietiDli$ and otiler "'Guirem.nts.) :' "(.•-
15. NEIGHBORHOOD, AREA. SUBDIVISION CONDmONS; PERSONAl FACTORS: NeighbomoocJ Of area cond~ion" including
5d'Ioois. proximity end ao.quecy of 19W er'l'fon;emen\, cnme stBtr.ltiel, Itle prox.mty olrwgiatered felons Dr off~W5. fire pro~on,
tltt\er gO'nmment 1efV1C8S. ,vai1eblrrty. aoeQuacy and cost af 8rly ~. w;releu Internet CQrll'leC2iorcs or ether
ffol.communiealJOnl or ether technology aervle- and ITmallatiClna, proximity ~ comm... cial. indu5tiU1 or aglicultlJrW ec:t....hlea.
exisllng and propo~ tnllnaportetlon. conalruction and deYetopment tl'lat may affect noise. view, or uamc. aJrpon nQee. noiec or gOer
from lIIny SOU/Oll. w~d oIInd eomeatie animals. other nuiaBncea, haUlrds, or ciroumstances, pro~ spec!u•. wetland propertieS,
botaniCllI disealles. hkto~ or other ~mrnel'lUllly Clfotected liites or improllemems. cemeteries. facilities and condition of common
areas of common tnl_e51 &ubcll\/lsions. lilnd pOtisi~ lack of compliance with any gO'Yl:ming docurr»nts cor Morneowne'" Association
reQuirements. conditions .nd Influences of signiflCJlr'lCe to certain cultures ·andJor religiOns. llnd pe~aJ needs,. requremer'lts and
prefenlln0e5 of8uyer.
Buyer .nd S.11t< .Cllnowledqe .nd ~ ttllll Broker. II) DoH not deCIde whet prICe Buyer ."ould pal' or seller .1IOU1d a~ (il) Does not
gu.... 1'lee the ccndition of tNt p~; (iiI) Ooa IIat guanntae tile perlonnlnc:e. ad.OUJICl/ 01' compIetenea 01 inspeCliCnl . .-vIceS, proch-=- 01'
re!l'irs prll'flded Of made OY Sellltr or others; IAi) $1\,11 no( be "$pOnsible for taenfllyl/19 Clefeetl ~ IT1I oot known Ul 8rolW am 1_) .,. !'lOt visually
oDServlble In r... onlbly oaaaaible ,,.115 of tile P,operty; fbI are ., common a~.: or Ito) .~ off the IIW of the ProcMIJty; (v) Sha. not ~
...po~1I ioT mlpea;ng Pul1ltC _ Of l)em"llla c:oncerning trW ~ or u.- of PI'OPeIty: (vi) Sh8. not btl ~ tor identlt1iflSl1h8 ~hoft of
llOUfldary W/lft or Oltler I1!:rM . ~ tIlIe: \Vll1 S~ not be ~l'lSible tor ~il1Q IClUM1l footage, 1'C;l~ Of oU.T1I Ilf inIom.tlOn
contau'led In tnvulIQ8bOn ,.ponc. r.tu.~ Listi"ll Servic». .cv.rtJserT1lll1ls. Ilyws or Diller prgmollon,l mlltartat. IvIIl) S"" not be ~ fgr
providlnll Iegl' or . . 1<Mce Tellring lOY aapea d 1 nncXlICn Itnlllred illlO by !lY)'er or s.toer; Ille IQ:) SttaQ IICll M Mfl:lOftlibill tor llnlYidinV
oth.r IdYice or II'lforrnalio" 1h1l e~CItel's tfle ItnDWllldO'. ed~caljgn ;nll."~ requtn!ld to penonn raaJ ~. flC8l'l&ed aet1Y1Iy. El~/ and SeN!'
agru to ueI< IegOll till. ins~r1Inee, title ."d oth.r llel"-Cl ltoS'-!8ncr flom IlllPfQplil'te profusion••.
~ algninp below, Suyer and S.nor each acknow\eodge that tN)' have read. undeBtaIld, ;M;.Upt end han ff'<:eiv.cf a Copy of
\his PJ:tvjf/ory. Buyef1!i enc:o~ tg r88d It ~Iy.
711 / 745
Court File: "Volume IV Continued"
I~
Samaan v Zernik (SC087400) Los Angeles Superior Court
10/22/2684 15:42 .587531
V'V ~II ~O~;
Iw'MAA SEP-22,04 3:09Pijj
PAGE 14
PAGE 12/15
i~
CtlLTrOI\.NI/\
WOOD DESTROYING PE'ST INSPECTION AND
,,"SSOC1ATtON
Of R!'.I'l t.TO A. S •
ALLOCATfON OF COST ADDENDUM
(CA.R. Form WP/4, ~lMd '0102\
~
Tnls IS an Mdendum 10 the !ill Calrtomie Residential Purchase Agreement or 0 ertler _~ _
_ . . ("Agreementj. dated S~E'tembfr i, 2004
on property known ~s 320 oS. PeCK Or.i ve, Be-rerlr HillS, CA 90212
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ("Property").
betw~n _ Nj t i II> SliJlLl1~n rBuyer")
and _ --=J.=o=.:s=ep.h Zerrdk ("Seller").
THE FOUOWING SHALL REPLACE THE WJOD DESTROYING PEST INSPECTION PARAGRAPH (4A in the Callfomra
Residenti.1 Purchase Agreement (RPA-CA)) and s~1I supersede any conflicting ~rms In any previously-{ltlnerated
agreement
B. (Section 1) 0 Buyer Cll Seller shall pay 101' work recommended to correct "Section l' condition. described in the
Report and the CO!lt of inspection. efltry and closing of rhose inaccessible areas Where ~etl\/e infeStation 'Or inl'ec:tlon
i$ dlsCOYerea. -.'':'
(S.ction 2) [! Buyer 0 Seller shall pay for wane.
recommended to correct 'Section 2' condltioot deSCribed In the
Report if reQuested by Buyer.
B~ signing belOW, ttl. lJnoe"igned acknow~gltthat •• ch ha5 read, undltrBtandll and ha. ,.ceived • copy of ttl.
Addendum. .
:::op:;l::e20~ Seller
N.l. Of S....... n J-=-o-.-e;p.h--::--:z=-~--·.1..,..,k~-------------
T~ U1C¥rlqhl _
nOllAln9 '-<;si.... or ,;:>n·PJl!!/l4"'; 10''''''' ~r'Ol'Il ~ 2002, c;.o,~OR~LII"'SSOCJAnoN OF ~EAL. TOf\Slt. INC AU. RIGHTS 1'IE:6ERVED
Dr"" _, ___
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713 / 745
Court File: "Volume IV Continued"
({
Samaan v Zernik (SC087400) Los Angeles Superior Court
/..dge I OJ J
..
Subject :
Date
From
To
Cc
.&~, .'11
: ~ Od 2~ 1~:57:O0 .{)700
Linked to: Michael J. Ubow
: Vidor Pam <Victor@PMLoans.com>
: Midlael J. Ubow c:mjlibow@aol.com>
: Nivie Samasn <NSam~ll1@aol.com>
•
Hello Michael. Wanted to let you know that we have the appraisal'review in and it came In at value wi TlC'
conditions. We should be able to get loan docs wittlin the next few days.
Regards,
Victor Parks
Sr. Loan Officer
Padfic Mortgage Consultants
Vietor@PMLoaos,com
310.275.5353 Office
310.496.3256 Fax
~XHIBIT~
FOR Jq,tJ},j'CATlO~
LAURY WASOit
WITNESS:
Bi:. ,",.
U'
aboUl:bJank
\ ~')
J012512006
714 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
PROOF OF SERVICE
5 liOn July 10, 2007, I served the following document(s) described as PLAI~TIFF'S
OPPOSITION TO DEFE~DANT'S l\IOTION TO EXPUNGE LIS PENDENS;
611 DECLARATIONS OF NIVIE SAl\IAAN, VICTOR PARKS, MARIA :\'lcLAURIN,
GAIL HERSHOWITZ, ALFRED CANINO, JA Y R. STEIN AND MOE
7 II KESHAVARZI IN SUPPORT THEREOF; REQUEST FOR JUDICIAL NOTICE
FILED CONCURRENTLY HEREWITH; OBJECTIONS TO THE
8 II DECLARATION OF JOSEPH ZERNIK on the interested party(ies) in this action by
placing true copies thereof enclosed in scaled envelopes and/or packages addressed as
9 II follows:
20110 BY ELECTRONIC MAIL: I caused to be prepared and sent an email to the party
listed below at the e-mail address shown on the service list.
21
~ STATE: I declare under penalty of perjury under the laws of the State of
22 California that the foregoing is true and correct.
24
25
Laverna A. Henry
26
27
28
715 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
716 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
:'\A
FieNe 116748\
DEFINITION OF MARKET VALUE: The most probable pClce which a property shOuld bnng In a competitive and open market
urdec all conditions 'equlslte to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price IS rot
affected by undue stimulus. Implicit in thiS definition IS the consummation of a sale as of a speCified date and t~,e passing of title from
selier to buyer under conditions Whereby: (1) buyer and seller are typically motivated: 12) both parties are wellintormed or well adVIsed,
and each acting In what he conSiders his own best interest, (3) a reasonable lime IS allowed for exposure In the open market. 14) payment
's made In lerms Of cash In U S dollars or In terms of financial arrangements comparable therelO. and (5) the pnce 'epresents the normal
conSideration for the properly sold unaHected by special or creative finanCing or sales corcesslons' granted by anvone associated With the
')ale
•AdjUstments to the comparables must be made for special or creative finanCing or sales concessions No adJustmen.ts are necessary for
those costs which are rormaily paid by sellers as a result of tradition or law In a market area; these costs are readily Identifiable since the
seller pays these costs In Virtually all sales transactIOns Special or creative financing adjustments can be made to the comparable property
by comparisons to finanCing terms oHered by a th"d party institutIOnal lender that IS not already Involved In the property or transaction Any
ad'cstment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amocnt of any
ad,ustment should approXimate the market's reactIon to the finanCing or concessions based on the Appraiser sJudgment
CONTINGENT AND LIMITING CONDITIONS: The appraisers certification that appears In the appraisal report IS subject to the
follOWing conditions'
1 The appraiser Will not be responsible for matters of a legal nature that affect either the property being appraised or the tille to it The
appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised
on the baSIS of it being under responsible ownership.
Z The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is
Included only 10 assist the reader of the report in Visualizing the property and understanding the appraISer's determination of ItS size
3 The appraiser has examined the available flood maps that are prOVided by the Federal Emergency Management Agency (or other data
sources) and has noted In the appraisal report whether the subject Site is located in an identified SpeCial Flood Hazard Area Because the
appraiser is not a surveyor, he or she makes no guarantees, express or Implied, regarding this detenmination
4 The appraiser will not give testimony or appear in court because he or she made an appraisal of the property In questron, unless speCific
arrangements 10 do so have been made beforehand
5 The appraiser has estimated the value of the land In the cost approach at its highest and best use and the Improvements at their
contributory value These separate valuations of the land and Improvements must not be used In conjunction With any other appraisal and
are Invalid if they are so used
6 The appraiser has noted in the appraisal report any adverse conditions (such as, needed reparrs, depreCiation. the presence of hazardous
wastes. tOXIC substances. etc) observed during the inspection of the subject property or that he or she became aware of dUring the normal
research involved In performing Ihe appraISal Unless otherwise stated in the appraisal report. the appraiser has no KnOWledge of any hidden
or unapparent COnditionS of the property or adverse environmental conditions (inclUding the presence of hazardous wastes, tOXIC
substances, etc ) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no
guarantees or warranties, express or Implied, regarding the condition of the property. The appraiser will not be responSible for any such
conditionS that do exist or for any engineering or testing that might be required to discover whether such condlllOns exist. Because the
appraiser is not an expert in the field of environmental hazards, the appraisal report must not be conSidered as an enwonmental assessment
of the property
'he appraiser obtained the Information, estimates, and opinions that were expressed In the appraisal 'eport from sources that he or she
conSiders to be reliable and believes them to be true and correct The appraiser does not assume responSibility for the accuracy of such
itemS that were furnished by other parnes
8 ~he appraiser will not disclose the contents of the appraisal report except as provided for In the Uniform Standards of Prolesslonal
App'alsal PractICe
9 The appraiser has based his or her appraisal report and valuation conclcSlor for an appraisal that IS sub,ect to satisfactory completIOn
repairs, or alterations on the assumption that completion of the Improvements WIll be performed In a workmanlike manner
10 The appraiser must prOVide his or her pnor wntten consent before the lender/client specified in tre appraisal 'eport can distribute the
oppralsal report lincludlng conclusions about the property value, the appraiser's Idertlty ane profeSSional deSigratlons, arc 'eferences to
dny orofesslcnal appraISal organizations or the firm With which the appraiser IS associated) te aryone other Iran :he borrower, Ihe
mo'tgagee or ItS successors and aSSigns; the mortgage Insurer; consultants: professional appraisal o'ganlzatlcns; any state or federally
app'c\lec f';arc.al rst:tLticn O' ary departmert, agency. or Inst"Umertall\)' cf tre Unlled States r;" a~y stale Ci tre Dls!rrct:f CClumbla
except trat the lenaerlcllert may dlstrtbute the property aescrtptloe sectIOn of the report or:y to data collection or ceportlng se'vlce(s)
Without ravleg to obtain tr,e appraiser s prIOr Written corsent The appraiser's written coesent arc approval must also be obtained before
the aDpralsal cae be conveyed by anyone to the publiC through advertiSing, pcbllc relatIOns, news. sales. or etrer media
Fredaie Mac Form 439 6-93 Page 1 of 2 Cannle Mae Form l004B 6-93
717 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
'<A
Fie'<c Ilb"481
1 I rave researcred the sUDJect market area and have selected a minimum of three recent sales of properties most similar ano proximate
10 the subject p~operty for conSideration In the sales compaflson analysIS and have made a dollar adjustment when appropriate to reflect the
market reaction 10 those Items of significant variation If a Significant Item In a comparable property IS superior to or more favorable than,
tre subject property, I have made a regatlve adjustment to reduce the adjusted sales price of the comparable and, If a Significant Item Ir a
comparable property IS inferior 10 or less favorable than the sub>ect property, I have made a positive ad,ustmenl to Increase the adjusted
sales price of the comparable
Z I have taken InlO conSideration the factors that have an Impact on value in my development of the estimate of market value In the
appraisal report I have rot knOWingly withheld any Significant Information from the appraisal report and I believe to tre besl of mv
krowleoge, that all statemerts arC Infonmatlon In tile appraisal report are true and correct
3 ; stated In the appraisal repert only my own persona/. unbiased, and profeSSional anatysis, opinions and conclUSions WhiCh are subject
only to the contingent and hmlbng cordltions speCified In til,S fonm
4 ; have ro present or prospective Interest In the property that IS the subject to thiS report, and I have no present or prospective personal
Interest Of bias With respect to the participants In the transactIOn, I did not base, either partially or completely, my analySIS andlor the
estimate of market value Ir the appraisal report on the race, color, religion, sex, handicap, familial status, or national orlglr, of elthe' Ire
prcspectlve owne", 0' occupar,ts of Ir,e subjeCI property or of the present owners or occupants of the vopertles IC Ire vlClnIly of Ire
subject property
5 I have no present or contemplated future Interest in the subject property, and neither my current or future employment nor my
compensallon for performing thiS appraisal IS conungent on the apprais€O value of the property,
6 I was not requlfed to report a predetermined value or dlfection in value that favors the cause of the client or any related party,
the amount of Ihe value estimate, the attainment of a specific result, or the occurrence of a subsequent event in order to receive my
compensation and/ol employment for performmg the appraisal, I did not base the appraisal report on a requested minimum valuation, a
specific valuation, or the need to approve a specific mortgage loan
7 I performed this appraisal In conformity with the Uniform Standards of Professional Appraisal Practice that were adopted and
promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place as of the effective date of thiS appraisal,
with the exceptIOn of the departure proviSIOn of those Standards. which does not apply I acknowledge that an estimate of a reasonable
time for exposure In the oper market IS a condillon In the definition of market value and the estimate I developed is consistent With the
marketing time noted in the neighborhood secuon of thiS report unless I have otherwise stated in the reconCiliation sectIOn
8 I have personally inspected the Interior and extenor areas of the subject property and the exterior of all properties listed as comparables
In the appraisal report I further certify that I have noted any apparent or known adverse conditions In the subject Improvements, on the
subject Site, or on any site within the Immediate vicinity of the subject property of which I am aware and have maoe adjustments for these
adverse conditions In my analysis of the property value to the extent that I had market eVidence to support them I have also commented
about the effect of the adverse conditions on the marketability of the subject propeny
9 I personally prepared all conclusions and opinions about the real estate that were set fo'th In the appraisal report If I relied on
Significant professional assistance from any Individual or individuals In the performance of the appraisal or the preparation of the appraisal
report. I have named such mdlvidual(s) and disclosed the specific tasks performed by them In the reconcllialiOn section of thiS appraisal
report I certify that any Individual so named IS qualified to perform the tasks I have not authonzed anyone to make a change to any Item in
the repon therefore if an unauthonzed change IS made to tile appraisal report, I 1'1111 take no responSibility for it
SUPERVISORY APPRAISER'S CERTIFICATION: If a superVisory appraiser signee Ihe appraisal repc r/. re or sre certifies
and agrees that I dlfectly supervise the appraiser who prepared the appraisal report, have reViewed the appraisal repor\' agree With the
statements and conclusions of the appraiser, agree to be bound by the appraiser s certifications numberea 4 through 7 above, and am taking
full responSibility for the appraISal and the appraisal report
S:snatLre ~
i\ame \\ iifr'am Rahn
f1L ~,ame PJu~'fer, :VIN~
Signature p ~~~
Cate Sigred -'-10'-"-06"-=-20"'0"'4'-- _ Date Signed ...10",.-"0"'6-"2"'00"'4'-- _
State Ce~:flcatlon • State Ce1lf,caLon #' _
or State License ~ "A"""LO_""5"'2"'5"'-8 _ cr State L,cerse' ~A""(Jj~),,,-O,-,10""0"'1 _
State "'-C'-'A~ .,-- _ State "C.:cA'-- _
Expiration Date of Certification or License: 0" 2005 EXPiration Date af Ce~lfiUllion 0' Ijcense ,,0;:;4.-"2"'00"'6"- _
,\L025258 AGDOiSOI
Freddie Mac Form 439 6-93 Page 2 of 2 Fannie Mae Form 1004B 6-93
718 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
TECT PROPERTY PHOTO ADDE;vDL~
Borrowtr: Samaan File" ./8:
Pro~ Address: 320 S. Peck Dr. C...
Cioy: Beverly Hills State: CA £:1£: 90: 12
Lender: Pacific MOI1",,~ Consulunts
FRO:\'T VIEW OF
SCBJECT PROPERTY
REAR VIEW OF
SUBJECT PROPERTY
STREET SCE:\E
Properry-
SCienCt'5
719 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Intenor Photos
Borrower: Samaan File '!'- ~~,
Kitchen
LiVlOg Room
~
,
,
..
. J:'" .
Dr:lIng Reom
Property=
5ciel7:es =-
720 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
721 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
(" .RABLE PROPERTY PHOTO ADDENDU
r-r -~-------
Borrowtr Samaan File~ 481
~Address: 320 S Peck Dr, Case
Cltv: Beverlv Hills St&te: CA liE.: 902 I~
Leoder: Pacific Mon2a1!e Consultants
CO\-tPARABLE SALE #l
J II :-; \1aple Dr
Beverl' Hills. CA 90210
S,lle Date 09 14 04
Sa,e Pnce S 1.'50.000
':".";"',i,
COMPARABLE SALE #2
247 S Peck Dr
Beverly Hills, CA 90212
Sale Date: 08 1604
Sale Price, S I .841 ,800
I
r
~il.,-··.;"~s"
I
'~;,.,,-,;,,."~-
.'p ., .
.~_., .-
. ..
,
CO\fPARABLE SALE #3
23:: S Rc.Qc,: D~
Properry,=
ScienCES ..=-'
722 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
Borrower. Samaan File !' 18i
~Addn:ss: 320 S. Peck Dr. Case~
COMPARABLE SALE #4
c15S\lapleDr
Beverly Hills, CA 902\2
Sale Date 0329 04
Sale Pnee S J ,595,000
Properry-:~
Sciences .::~
723 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
DECLARAnON OF MARlA McLAURIN
211 I. Maria McLaurin, declare as follows:
3
4/1 1. I am the branch manager for the San Rafael branch of Countrywide
5 II Home Loans, Inc. ("Countrywide"). the branch that processed the loans for which Nivie
6 II Samaan applied to purchase the property at issue in this case (designated as Cuuntrywid~
7 II Joan numbers 81737375 and 81737383). 1 have personal knowledge of all facts set fonh in
8 this declaration. and if called as a witness could and would testify competently thereto.
9
16
171/ 3. Based on my review of the records associated with these loans, I
18 know the following to be true of my own knowledge.
19
20 4. In mid-October 2004, Countrywide processed loan number 81737375
21 II for Ms. Samaan's purchase of320 S. Peck Drive, in the City of Beverly Hills, California,
22" 90212. The loan was suspended. however. because Countrywide had not yet received a
23 II copy of the fully executed purchase agreement. Attached hereto as Exhibit A is a true and
24 II correct copy of the underwriting condition Ictter issued by Countrywide and setting forth
25 II the basis for suspension of Ms. Samaan's loan. Bascd on the information she provided and
26 " subject to any later arising conditions, Ms. Samaan otherwise qualified for the loans, and if
,
2711 all underwriting and lender conditions were met, including the receipt of a fully executed I
,
I
0714319285 2
-1-
D£CLI\RATION OF MARIA Mcf.AIJRIN Ii
724 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
5. Countrywide requires a fully executed purchase agreement (signed
211 and initialed on every page where applicable by both buyer and seller) before approving
3 and funding a purchase money loan. A fully executed purchase agreement enables
4 II Countrywide to approve the appraisal of the property prior to approving a loan, because
5 II the Lt:rn1S of the purchase agreement may affect the value of the property. COWltrywidc
6 II will not approve a loan until it has reviewed and approved the appraisal on the property for
10 II the foregoing is true and correct and that this Declaration is executed on May -<1, 2007 in
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
•?-
DECLARATION OF MARIA McLAURIN
0714319286 2\'02-WE.Sl·j MMK I\4()03202671
725 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
SHEPPARD ivlULLIN RICHTER & HAMPTON LLP if II--IED
LOS AXGFLFS :'l'PERIOR COUI,n
A Limited Liability Partnership
2 Including Professional Corporations ! r'j
PHILLIP A. DAVIS, Cal. Bar No. 110430 ,/III 102007 (,I
3 [[ MOE KESHAVARZL Cal. Bar No. 223759
ROBERT MUSSIG, Cal. Bar No. 240369 ,)O~-n! A. Ct'l R'<E, CLERK
4 11333 South Hope Street, 48th Floor ;.~)~.I ~,'~.I~VJ 'fr.l
L..A'~} 'j
~
,''-..
'l~
Los Angeles, Cali fomia 90071-1448 iJY GAR2.":-=:;; V,\RGAS, EPUTY
5 II Telephone: 213-620-1780
Facsunile: 213-620-1398
6
w.....J 21
. ~.J: TO THE COURT AND ALL PARTIES:
22
~
....~'jI/I
"-
~."
""r~ 23
(0 In his :Motion to Expunge Lis Pendens, defendant Joseph Zemik
f'l'",""'a~ 24
,''''1'''
i A~~
("defendant") relies upon the Declaration of Joseph Zemik. Plaintiff Nivie Samaan
-) 25
." ("plaintiff') hereby object to various portions of the Declaration of Joseph Zernik,
26
described in further detail below.
27
28
726 / 745
Court File: "Volume IV Continued"
- -----.::.h ~ ~_=_==_=_
\\112-WEST lRE\l! -+1103."9322.1 OBJECTI01\S TO ZER?'-iIK DECL.
Samaan v Zernik (SC087400) Los Angeles Superior Court
DECLARATION OF JOSEPH ZERNIK
2
3 PURPORTED EVIDENCE I OBJECTIONS
4 Paragrahh 2: " I am informed and I Hearsay, lacks foundation, lacks
believe t at the Plaintiff and her personal knowledge, and speculative.
5 associate enga~ed in a criminal
conspiracy to efraud Defendant and a
6 government-backed mortgage lender."
12 "t
Paragragh 3: A]t the time Plaintiff
submItte her of er, on her fax
Hearsay, lacks foundation, lacks
personal knowledge, speculative, and
13 coversheet, she affirmatively reNresented Irrelevant.
that she was representing herse f as a real
14 estate salesperson in this transaction."
15 Paragraph 3: "A true copy of the fax Hearsay, lacks foundation, lacks
coversheet enclosing Samaan's initial person~l k~ow ledge, improper
16 offer is attached hereto as Exhibit B." authentIcatIOn, speculatIve, and
irrelevant.
17
Paragraph 3: "Later, Plaintiff stated Hearsay, lacks foundation, lacks
18 'My apologies if I miss spoke on mr:. personal knowledge, speculative, and
vOicemail messa to you earlier. 'm a Irrelevant.
19 health & Beautbonsultant by t
profession, but ave a Real Estate license
20 and sell a few properties a year. '"
--
21 Paragraph 3: "A true copy of Plaintiffs Hearsay, lacks foundation, lacks
fax coversheet to Libow is attached person~l k~owledge, improper
22 hereto as Exhibit C." authentIcation, speculatIve, and
I irrelevant. I
23 I
f---- !
qualification." I
28 I
727 / 745
Court File: "Volume IV Continued" -2-
Samaan v Zernik (SC087400) I Los Angeles
W02-WEST 1RE\llSuperior Court
-1I1035C)3221 OBJECTIO;,\S TO ZERNIK DECL.
Paragraph 5: "A true CORY of Plaintiffs I Hearsay, lacks foundation, lacks
September 7, 2004 prequallfication letter personal knowledge, improper
2 Iii is attached hereto as Exbibit _." authentication, and speculative.
3 I Paragraph 6: "In reality, Victor Parks, Hearsay, lacks foundation, lacks
i PlaintIffs purported mortgage loan personal knowledge, and speculative.
4 I broker (not her lender) sent a facsimile
I to Libow wherein he claimed that
5 II Plaintiff had been 'pre-qualified to
purchase a $1,700.00 home with
6 ~Oil 0/1 0 financing. '"
11,1
711 Para~raph 6:
"A true copy of Mr. I Hearsay, lacks foundation, lacks--i
Parks fax cover sheet and pre- personal knowledge, improper I
Paragraph 17: "The Clues Report of Improper expert testimony, hearsay, and I
18 I I Oct05er 14, 2004, indicated that I misstates the evidence.
Plaintiff's loan application had drawn
19 I I several red flags.'
2011.1 Paragraph 17: "In particular, the Clues /lmproper expert testimony, hearsay, and
') 1 I I Report indi~ate~ that 'Reduced I misstates the evidence.
- documentatlOn IS not allowed on a Non-
Conforming Mega Loan .... The max
I
28 I~ Paragraph 17: "I am informed and : Improper expert testimony, hearsay, ----.J
729 / 745
Court File: "Volume IV Continued" -.4-
W02-WESTIRE\1141111359322.1
Samaan v Zernik (SC087400) Los Angeles Superior Court OBJECTIONS TO ZERNIK DECL.
believe that after October 14, 2004, !lacks foundation, lacks personal I
Plaintiff never resubmitted a loan I knowledge, and speculative.
2 Iii application and, therefore, she was
inca-.rable of bem p approved for a loan
3 I I by Countrywide.'
4 I,'I Paragraph 18: "The Clues Report also I~proper expert. testimony, hearsay, and
indicated that Plaintiff did not nave the 6 I mIsstates the eVIdence.
5 I~I months of reserves required lor the loan
she applied for."
I
I ,
13 III Paragraph 22: "In reality, Plaintiffs -I Improper expert testimony hearsay, I
I
loan nad not been approved on that date, misstates the evidence, lacks foundation,
14 III which is shown from that fact that on lacks personal knowledge, and
_ October 25, 2004, McLaurin issued a speculative.
1) I I referral of Plaintiffs loan application to
the Division Underwriting Support -
16 III Demetrio Gadi - for an exceptIOn
request."
171IJr-_
Paragraph 22: "In the exception Hearsay, misstates the evidence.
18 ~I req.1Jest Plaintiffs income is nandwritten
"I as :1)33,333 per month or $400,000 per
19 II year. ."
21! Paragraph 23: "In the notations on the I Hearsay, misstates the evidence.
3 II Exception Request fonn, Gadi added,
. among others, the following conditions
4 ~I to Plamtiffs loan: (1) The aading .75%
interest to the loan, as had been
5 I I previously been determined by the
underwriter who wrote the October 14,
61,12004 Underwriting Decision Letter,
1
Paragraph 26: "Two days after I issued Hearsay, lacks foundation, lacks
18 I I the ~otice to Perform, on October 20, personal knowledge, and speculative.
2004, in a letter Plaintiff sent to Libow
19 I I by facsimile, Plaintiff absolutely refused
to remove the Appraisal Contingency by
20 I I stating that she 'will not remove the
appraIsal contingency until I have
21 I I received the lenders (sic) notification
that the val ue 0 f the home is justi fied. "'
22 IiI ------1
Paragraph 26: "A true copy of the I Hearsav, lacks foundation, lacks
23 I I Octol5er 20, 2004 letter is attached hereto. personal knowledge, improper
as Exhibit P." : authentication, and speculative.
-)41 ,
1
I
-----l
n
authority for Plaintiffs loans."
111
7 Paragraph 34: "I met and conferred I Hearsay, misstates the evidence, lacks
8 ~I with Count~ide on multiple occasions foundation, lacks personal knowledge,
I
\\~
22
23 -
By
24 \V~10E KESHAVARZI
Attorneys for Plaintiff
25
NIVIE SAIvlAAN
26
27
28
734 / 745
Court File: "Volume IV Continued" -2-
W02-WE51.1 RE\11 400359322.]
Samaan v Zernik (SC087400) Los Angeles Superior Court OBJECTIO~S TO ZERNIK DECL.
PROOF OF SERVICE
21
22
Laverna A. Henry
23
2-1-
2S
26
27
28
735 / 745
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court
SHEPPARD MULLIN RICHTER & HAMPTON LLP
2
A Limited Liability Partnership
Including Professional Corporations
FILED
LOS \ \(iFl ~'S Sf Frr~I()R COURT
PHILLIP A. DAVIS, Cal. Bar No. 110430 I
311V10E KESHAVARZI, Cal. Bar No. 223759
333 South Hope Street, 48th Floor ,1/ H 1 a7.007 "
("'(I
19
20
21
--I 22
~~
~
,"" 23
"-
'J~"'"
24
(JJ
....
"'' '-' ' ,
25
..4:-"
(-
'".:J 26
27
28
II WI):>\\TSI ]\1\IKl.jUIJ3"'JI')~ i PLA1:'-ITIFF'S REQLEST FOR JLDIC1AL 0:0TICE IN
736 / 745 SLPPORT OF HER OPPOSlTIO"i TO DEFE'JDAJ\iT'S
Court File: "Volume IV Continued" \[OT10:'-l TO EXPl').GE LIS PE'\"OE\iS.
Samaan v Zernik (SC087400) Los Angeles Superior Court
Pursuant to Califomia Evidence Code Sections 450, 452, and 453, and
2 II in support of plainti ffNivie Samaan's ("Samaan") Opposition to Defendant's Motion
3 II to Expunge Lis Pendens, Samaan requests that the Court take judicial notice of the
4 II following documents which were filed with the Court and are publicly available:
5
1. Declaration of Defendant Joseph Zernik dated September 19,
6
2006, and Exhibit 5 thereto, filed in support of defendant's Motion to Expunge Lis
7"
Pendens. Attached hereto as Exhibit 1.
8
9
2. Declaration of Defendant Joseph Zemik dated November 2,
10
2006, filed in support of defendant's Reply brief in support of his Motion to
11 II
Expunge Lis Pendens. Attached hereto as Exhibit 2.
12 "
13
Dated: July 10,2007
14
SHEPPARD, MJJL~IN, RICHTER & HAMPTON LLP
15 ,
16
By
17
OE KESHA VARZI
18 Attorneys for Plaintiff Nivie Samaan
19
20
21
22
23
24
25
26
27
-1-
28
II Wl,2-\\TSr l\I\IK\ -lUU_~Sc)\()Rl PLAI~TIFF'S REQUEST FOR JLDICIAL 0iOTICE IN
737 / 745
Court File: "Volume IV Continued" SCPPORT OF HER OPPOSITIO)i TO DEFE'JDANT'S
Samaan v Zernik (SC087400) Los Angeles Superior Court
\10TIO"i TO EXPL"GE LIS PE:.,TDE?--iS
•
DECLARA TJON OF JOSEPH ZERNIK IN SUPPORT OF MOTION TO EXPUNGE
•
NOTICE OF PENDENCY OF ACTION.
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5 1. I am the owner of the real property that is located at 320 South Peck Drive, Beverly
10 3. It was my understanding that plaintiff was a real estate agent and would be
11 II representing herself.
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14 II Escrow Instructions (date of execution of Counter Offer No. Two) was on September 15, 2004.
15 II That was the date the second counter offer was signed by me. Attached hereto as Exhibit 2 is a
16 II copy of the entire agreement including the Counter Offer No. Two dated September 15, 2004.
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18 5. According to the terms of the agreement pI ainti ff had 17 days after acceptance to
19 II remove the loan and appraisal contingencies (Agreement paragraph 2J, Ex. 2).
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21 6. Although a $15,000 check in good funds was supposed to be provided on the date
22 II of acceptance by plaintiff she provided a NSF check (Agreement paragraph 2A. Ex. 2; bad check
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25 I. It is my understanding that a replacement check was provided on October 4, 2004
26 (Ex. 4)
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\!OTlrr 0[' U[' ADTNr- ON MO'fTON ANn M0T10N TO VYPITNr.V.l1~ PVNnV.N~
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On October 6,2004 Escrow sent out notice of "Applicable Time Frames" which
2 8.
3 1/ indicated the last day to remove the Appraisal Contingency was October 11,2004 (Ex. 5).
5 9. Plaintiff did not remove the appraisal contingency on or before October 11,2004.
8 II Perfonn on October 18,2004 (Ex. 7) because plaintiff had not complied with the Agreement
9 II requirements that she either remove the Joan and appraisal contingencies or cancel the agreement.
10 II I fully expected her to either comply with the Notice or I would cancel the agreement.
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12 11. Plaintiff did not remove the appraisal contingency within 24 hours (October 19,
13112004).
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15 12. Instead, on October 20,2004 plaintiff sent a letter whereby she removed the loan
16 II contingency but refused to remove the appraisal contingency. Her letter stated that she would not
17 II remove it "until I have received the lenders (sic) notification that the value of the home is
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21 1/ and my broker Michael Libow that I was cancelling escrow (Ex. 9).
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NOTICE OF HEARING ON MOTION AND MOTION TO EXPUNGE LIS PENDENS
Samaan v Zernik (SC087400) Los Angeles Superior Court
14.
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Plaintiff then removed the appraisal contingency late on October 25,2004 in
2 II violation of the agreement and the 24 Hour Notice to PerfonTI (Ex. 10). I had already elected to
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5 II If called to testi fy as a witness, I could and would testi fy to each of the above facts of my
6 II own personal knowledge. Executed on september4, 2006, at Beverly Hills, California. I declare
7 II under penalty of perjury under the laws of the State of Cali fomi a and the United States of America
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Samaan v Zernik (SC087400) Los Angeles Superior Court
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Samaan v Zernik (SC087400) Los Angeles Superior Court
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9401 Wilshire Blvd•• Suite 515
Beverly Hills, CA 90212-2918
Telephone (310) 550-7400
A ~ CCilPClWlON
FAX (310) 550-7531
October 5, 2004
Nivie SalIWn
00 Gilleran Griffin Company
1333 Westwood Blvd., ,f101
Los Angeles, CA 90024
Escrow Number: 1-34S0G-GH
Subject Property: 320 S. Peck Drive
Be,.erly Hills, CA 90212
Du.r Nivie:
In connection with the above referenced transaction, I believe that you might fllld the followiDa importanl dates useful.
APPLICAELE TIME FRAMES
We belie"e thaI the following dale(s) are accurate, however, please verify the exact dale(s) with the Original A,reement..
Buyer's Initial Deposit of SI5,OOO,00 to be received by Escrow Holder: September 27,2004.
Buyer's Additional Deposit of $1S,OOO.OO to be deposited with Escrow Holder by: October 8, 2004.
Signed Copy of your ~ Purt:hase AgreemeDl &: JoiD! Escrow !DstructiollS lD be d.eposit.ed with US by: September 27, 20'
Lasl day for Seller lD Order, Request &. Compleu: all Repons: October I, 2004.
Usl day for Seller lD order Property Disclosure StatemeDl: October I, 2004.
Last day for Seller lD orda Preliminary Title Repon: October 1. 2004.
Number of days (afu:r receipt) for Buyer lD approve Preliminary Title Repon: S Days.
Last day for Buyer lD provide Sellcr Prequalifiu.tioD Letter: October 1. 2004.
$'
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Last day for Buyer lD remove Appraisal ContingellCY:
Last day for Buyer to receive Final Loan Approval:
October 11, 2004.
Buyer and Seller have indicau:d in the Original 'Residential Purchase Agreement and JOiDl Escrow Instructions' that they desire
the 'AcrIVE METHOD' for removal of contingencies. Therefore, if, within the time specified. Buyer does DOl give Seller
wriHen notice of =nditional approval and removal of contingencies or I reasonable request. Seller, after first eivina Buyer a
Notice to Buyer lD Perform, Imy cancel the AgreemeDl and this Escrow in writine and authorize return of Buyer's deposit if, by
the time specified in the original Purchase Agreemenl and Escrow InslrUctiOn.s, buyer does DOtTClDOve in writilll the applicable
con0lll:ency or cancel the Agreements. ComplelC lCrms and conditions of this provision are contained in the 'Original
Agreement.
You may find the following names and numbers helpful throughout this transaction:
Tb2nk you for the opportunity lD be of service to you in this U'aIlSaction. Should you have any questions andlor problems,
please ~I fr= to call upon lDC It any 0=.
Yours truly,
Gail Hershowitz
742 / 745 Escrow OfficerlMAlIlIgerlV.P.
Court File: "Volume IV Continued"
Samaan v Zernik (SC087400) Los Angeles Superior Court EXHIBIT b
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SUPPLEMENTAL DECLARATION OF JOSEPH ZERNIK IN SUPPORT OF MOTION
TO EXPUNGE NOTICE OF PENDENCY OF ACTION.
2
4 1. I am the owner of the real property that is located at 320 South Peck Drive, Beverly
8 II 2004.
9 3. I am a single father. In October 2004, my son was in high school at Beverly Hills
10 II High and I did not want to move into another school district, thereby causing my son to change
11 II schools in the middle of the school year. In the middle of October 2004, I needed to know whether
12 II Samaan would complete the purchase of the Property in order to be able to lease an apartment.
13 II Escrow was set to close on November 1,2004. I did not have the money to lease an apartment
14 II and pay the mortgage on the Property at the same time. In the middle of October 2004, I had not
15 II entered into a lease and the apartment that I was intending to lease had just been leased to third
16 II party. Therefore, I had to know immediately whether Samaan would close escrow on November
17 II 1,2004 in order to know whether to sign a lease. I could not sign a lease if! was unsure that
18 II Samaan was going complete the purchase of the Property. Given that Samaan had provided Mara
19 II Escrow with a NSF check for the initial deposit, I did not believe that she could make the balance
20 II of the deposit of$313,600 or obtain a loan for $1,374,400. That is why I gave the Notice to
21 II Perform and then cancelled the escrow when she refused to waive the Appraisal Contingency.
23 " requesting that I initial the bottom of the pages and sign the offer that I received from Ms. Samaan,
25 " best recollection is that within 24 hours after I received this message, I went to Mara Escrow and
26 II initialed the first eight pages and signed page 8 of the Purchase Agreement, a copy of which is
27/1 attached to my motion to expunge. J was never told by anyone as to why J was requested to initial
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REPLY BRIEF RE MOTION TO EXPUNGE LIS PENDENS
Samaan v Zernik (SC087400) Los Angeles Superior Court
1'-®V-2-2006 01 :'04P FROM: DR Z 909596300El :912136277128 P.3
I'lVV. L. LUUO IU:qt AM • ~liLLJV}\fV lTUK~MM • NU. )0 I I r,)
1 II and sign the initiaJ offer portion ofthc: Purchase Agreement, but I did it as soon B.!l I received that
2 Urequest.
4 6. After I canceUed the escrow with Ssmaan, I took the Property off of the market BIld
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7" If ce.lJ~ to t~-9tify R.~ a witness) I could and would testify to each of the above facts ofrny
8 II own personal knowledge. Executed on November 2, 2006, at L;4 V(dl$ , California.
911 I declare under pcnDlty ofpCIjury under the laws of the Stat~ of California and the United States of
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NotiCE OF muRlNG ON MOnON AND MonON TO EXPUNGE LIS PENDENS
Samaan v Zernik (SC087400) Los Angeles Superior Court
PROOF OF SERVICE
') STA IE OF CALIFOR\lIA, COl):"TY OF LOS A"!GELES
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Laverna A. Henry
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Samaan v Zernik (SC087400) Los Angeles Superior Court