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Z <br />Recording Requested By and When Recorded <br />Return To: <br />Bank of America, N.A. <br />c/o First American Mortgage <br />Solutions, 4795 Regent <br />Boulevard, Mail Stop: 1020-0 <br />Irving, TX 75063 <br />Prepared By: <br />Ann Bryl <br />Bank of America, N.A. <br />2595 W Chandler Blvd Bldg C <br />Chandler, AZ 85224 <br />(800) 641-5929 <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />DEFINITIONS <br />ZARCO VARGAS <br />Doe ID #: xxxxxxxxx647 <br />MIN:100015701024466470 <br />MERS Phone: 1-888-679-6377 <br />PIN: 113-330-010 <br />Escrow/Closing #: 4 104-6772126 <br />Words used in multiple sections of this document are defined below and other words are defined under the caption <br />TRANSFER OF RIGHTS IN THE PROPERTY and in Sections 3, 4, 10, 11, 12, 16, 19, 24, and 25. Certain rules regarding the <br />usage of words used in this document are also provided in Section 17. <br />Parties <br />(A) "Borrower" is HUGO ALBERTO ZARCO VARGAS and Andrea Vergara Cardenas, husband and wife <br />as community property with right of survivorship, currently residing at 3403 CSM Drive 110, <br />San Mateo, CA 94402. Borrower is the trustor under this Security Instrument. <br />(B) "Lender" is BANK OF AMERICA, N.A.. Lender is a National Association organized and existing under the <br />laws of THE UNITED STATES. Lender's address is 101 South Tryon Street, Charlotte, NC 28255. The <br />tern "Lender" includes any successors and assigns of Lender. <br />(C) "Trustee" is First American Title Insurance Company. Trustee's address is 3 First American Way, <br />Santa Ana, CA 92707. The tenn "Trustee" includes any substitute/successor Trustee. <br />(D) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a <br />nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is <br />organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI <br />48501-2026, tel. (888) 679-MERS. <br />Documents <br />(E) "Note" means the promissory note dated November 18, 2022, and signed by each Borrower who is legally obligated <br />for the debt under that promissory note, that is in either (i) paper form, using Borrower's written pen and ink signature, or (ii) <br />electronic form, using Borrower's adopted Electronic Signature in accordance with the UETA or E -SIGN, as applicable. The <br />Note evidences the legal obligation of each Borrower who signed the Note to pay Lender Two Hundred Seventy -Four <br />CALIFORNIA—Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3005 07/2021 <br />CALIFORNIA DEED OF TRUST (SIDOT.CA) <br />25283.8 (11/22) Page 1 of 17 BANK OF AMERICA, N.A. <br />IIIIIIIIIIIIII�NIIIItlwIVIIVIIV9�I�IIIIIIIIBVIII�CBIIII�ltlllll <br />*1024466473616404000* <br />