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THE CIVIL MOTIONS JUDGE

Hearing Date: September 17,2013 Hearing Time: 9:30 a.m. With Oral Argument

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SUPERIOR COURT OF WASHINGTON

COUNTY OF SNOHOMISH
JACOB D. BRADBURN, an individual,

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Plaintiff,
v. RECONTRUST COMPANY, N.A., a limitedpurpose national trust bank; FIDELITY NATIONAL TITLE, a corporation; MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., a foreign corporation; BAC HOME LOANS SERVICING, LP FKP COUNTRYWIDE BANK HOME LOANS SERVICING LP, A foreign entity; BANK OF AMERICA, N.4., a national bank; BANK OF AMERICA CORPORATION, a foreign corporation; COUNTRYWIDE FINANCIAL CORPORATION, a foreign corporation; COLINTRYWIDE HOME LOANS, INC., A forei gn corporation ; FEDERAL NATIONAL MORTGAGE ASSOCIATION, a federally chartered corporation, LINDA GREEN DOES 1-10, unknown persons; and QUICKDRAW REAL ESTATE SERVICES, INC d/b/A HOMESTAR LENDING, a domestic
CO. dlbla COMMONWEALTH UNITED MORTGAGE COMPANY, a foreign corporation; STEWART TITLE, a domestic corporation, Defendants.

NO. I t-2-08345-2

DECI,ARATION OF HEATHER DISPENZA

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DECLARATION OF HEATHER DISPENZA -

LANE POWELL PC I42O FTF"IH AVENUE, SUITE 41OO

SEAT"ILE,
981

0l-2338
1

"I/ASHINGTON 20 6.223.1 000 F AX: 206.223.7

O'1

DECIiARATION
I, Heather Dispenza, hereby declare
as

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a

follows:

1.

I am an Assistant Vice President, Operations Team Manager, employed by

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Bank of America, N,A. (*BANA"). The information contained in this declaration is true and
correct to the best of my knowledge, information and belief, and

if called to testify

regarding

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the matters addressed herein, I could and would competently do so based on my personal

knowledge of the business records of BANA.

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2.

From my general job duties, I am familiar with the ordinary and customary

method and manner of the preparation and maintenance of BANA's business records' I am
able to make this declaration based on my review of

BANA's business records. I have

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reviewed the business records of BANA relating to the loan described below, and I am able to make this declaration based on my review.

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3.

In the ordinary course of its business, BANA maintains

a record

of all loan

contracts and agreements serviced by BANA (and its predecessors) on behalf of lenders and

beneficiaries, including promissory notes and associated documents pertaining to the origination of the loan. BANA also maintains records related to servicing such loans' Such
records are made at or near the time of the acts or events recorded by a person with

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knowledge of the events contained therein, The exhibits hereto are business records of

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BANA.

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4.

The loan at issue in the Complaint ("Loan") was issued to Jacob D. Bradburn

("Borrower") by Homestar Lending on or about December 14, 2005, to finance real property
located at 4819 i 3 6th Place NE, Marysville, Washington 9827 1 (the "Property

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-).

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original principal amount of the Loan was $200,900.

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5,

The promissory note evidencing the Loan (the "Note") was secured to the

Property by a Deed of Trust that was executed by Borrower and recorded in Snohomish County on December 21,2005 at no. 200512211157
.

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DECLARATION OF HEATHER DISPENZA_z

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6. 7.
Loan.

Immediately following the Loan's origination, Countrywide Home Loans

Servicing LP began servicing the Loan. On or about January 3,2006, Fannie Mae became the owner of the Loan.

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However, Countrywide Home Loan Servicing LP retained servicing rights with respect to the

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8.

A true and accurate copy of the Note containing an endorsement from

HomeStar Lending to Countrywide Bank, N.4,, an endorsement frorn Countrywide Bank,

N,A. to Countrywide Home Loans, Inc., and an endorsement in blank from Countrywide
Home Loans, Inc. is attached as

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Exhibit A.
as

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accordance
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A true and accurate copy of an allonge to the Note is attached

Exhibit B.

The Note was placed in storage for the benefit of Fannie Mae and in

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with Farurie Mae guidelines.

Countrywide Home Loans Servicing LP continued to service the Loan on

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behalf of Federal National Mortgage Association ("Fannie Mae"). This arrangement was
designed to allow Countrywide Home Loans Servicing LP to take all actions necessary for the

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collection and enforcement of the l-oan, including receiving and processing loan payments, communicating with regarding the loan, and, should such action be necessary, initiating
foreclosure, consistent with the Note, deed of trust and Fannie Mae servicing guidelines.

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12.

Pursuant to its role as servicer of the Loan, Countrywide Home Loans

Servicing LP was responsible for, among other tasks, receiving and processing Loan
payments, communicating with borrowers regarding the Loan, and protecting the collateral (the Property) consistent with the Note, Deed of Trust, and servicing guidelines.

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13.
2008.

Bank of America Corporation acquired Countrywide Financial Corporation in

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14.

In April 2009, following Bank of America Corporation's acquisition of

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Countrywide Financial Corporation, Countrywide Home Loans Servicing LP changed its

DECLARATION OF HEATHER DISPENZA_3

name to BAC Home Loans Servicing,

LP. A true

and accurate copy of the Certificate

of

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Amendment on record with the Texas Secretary of State is attached as Exhibit C.

15. 16.

BAC Home Loans Servicing, LP (fka Countrywide Home Loans Servicing LP)

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continued to service the Loan on behalf of Fannie Mae,

As of June 8,2009, the date the Notice of Default was issued to Borrower,

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Borrower had not made the payments due on the Loan for March 2009 and thereafter. A true
and accurate copy of the Loan payment history is attached as

Exhibit D.

17. 18.

As of June 8,2009, ReconTrust Company, N.A. ("ReconTrust") and BAC

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Home Loans Servicing, LP were each wholly-owned subsidiaries of Bank of America, N.A,
On June 8,2009,the date the Notice of Default was issued to Plaintiff, BAC

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Home Loans Servicing, LP had physical custody of the original Note evidencing the debt
owed by Borrower, in accordance with Fannie Mae servicing guidelines. A true and accurate

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copy of Fannie Mae Announcement 08-12, dated May 23,2008, which sets forth the process by which the servicer takes possession of the promissory note, is attached as Exhibit E.

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19. 20.

BAC Home Loans Servicing, LP,

as the

holder of the Note, authorized

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ReconTrust to issue the June 8, 2009 Notice of Default.

BAC Home Loans Servicing, LP nlWa BANA is a member of the MERS@

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System. At all relevant times Mortgage Electronic Registration Systems, Inc. ("MERS")
acted as nominee (agent) on behalf of

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BAC Home Loans Servicing, LP relative to the Deed o.

Trust.

21.

As reflected in the Appointment of Successor Trustee recorded as document

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number 200906170053 on June 17, 2009, with the Snohomish County Recorder's Office, a
true and accurate copy of which is attached as Exhibit F, MERS appointed ReconTrust as the
successor trustee.

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BAC Home Loans Servicing, LP,

as the holder of the Note, directed MERS

to appoint ReconTrust as the successor trustee.

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22,

As reflected in the Corporation Assignment of Deed of Trust recorded as

DECLARATION OF HEATHER DISPENZA_ 4

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document number 201003300560 on March 30,2010, with the Snohomish County Recorder's

Office,

a true and accurate

copy of which is attached as Exhibit G, MERS assigned the Deed

of Trust to BAC Home Loans Servicing, LP. BAC Home Loans Servicing, LP, as the holder of the Note, directed MERS to assign the Deed of Trust to it.

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23.

On July 7,2011, BAC Home Loans Servicing, LP merged with

BANA. A true

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and accurate copy of Comptroller of the Currency's Conditional Approval #1003, dated June

24,2011, is attached as Exhibit H.

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24. 25. 26.

BANA retained the records of BAC Home Loans Servicing, LP and

Countrywide Home Loans Servicing LP relating to the Loan.

To date, Fannie Mae has never transferred its ownership interest in the Note.

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At all relevant times, at least since of June 8, 2009, BANA or its predecessor,

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BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing LP, held the original Note and possessed the authority to enforce the Note and Deed of Trust on behalf of
Fannie Mae pursuant to Fannie Mae's servicing guidelines.
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The original Note is currently in the possession of the attomeys representing

Defendants in this case.

I affirm under penalty of perjury and the laws of the State of Washington that the
foregoing is true and correct to the best of my knowledge. SIGNED at Simi Valley, California tns

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Lfuaay

of September,20l3.

Bank of America, N.A.

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Heather Dispenza Assistant Vice President, Opetions Team Manager

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DECLARATION OF HEATHER DISPENZA _

CERTIFICATE OF SERVICE I certify that on the

date indicated below,

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I cause the foregoing document to

on the following person via email and U.S. Mail. Scott E. Stafne

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Andrew Krawczyk Stafne Law Firm 239 N. Olympic Ave. Arlington, WA 98223
Attorneys for Plainti

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Mill Creek, WA 98082-7635

to

ddlawoffice @comcast. net Attorney for Defendant Quickdraw Real Estate Services

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I affrrm under penalty of perjury under

the laws of the State of Washington

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T6

foregoing is true and correct to the best of my knowledge.

SIGNED September 6,2013 at Seattle,

'WA.

\,An(r!!," Debi wollin Legal assistant to Abraham K. Lorber

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26
DECLARATION OF HEATHERDISPENZA6

r 16s89.041 l/5811 179.1

ExhibitA

MIN:

L001627 -AA0220254]--2

lnterestFirst*'NOTE
SNOHOMTSH
lcityl

Toan

Number: 0220254:.:
WASHINGTON
IStteJ

DECEMBER

].4,
'

2O05

lDatel

481-9 l-36TH PI,ACE NE, MARYSVI],LE, WASHTNGTON 9827].

lProperty Addrcss]

1,

BORROWER'S PROMISE TO PAY

Inrshrnibraloanthatlhavereceived,IpromisetopayU.S.
"Principal"), plus interest, to
r,he

$200,

900.00
orcler.

(thi.smountiscalled

!{ASHTNGTON CORPORTION (CFr, # 601650482) I will make all payruents under thi.s Note in the ftlrm of cash, cleck or mouey

order of re Lender. The Lnder

is HOMESTAR

I,ENDING' A

I ulderstand that tlre Lender may tran-sfer this Note . The Lender or ltyorle wbo takes riris Note by transfr lld

2.

who is Bltitled to leceive paymeuts under this Note is called the "Note Holder"' TNTEREST

'

lnrerestwIlbechargedonunpaidpriucipaluutiltheluilanountofPrncipalhasbeenpaid' 6 . 625 70. t a yerly "The rate of

Iwillpayintelest

3,

interest rte required by tJris Section 2 is the rate I will pay boih befbre anil after any default described in Section 6(B) of ttris Note.

PAYMENTS (A) Time and Place of PaYments 1 will mke payment every month. This payment will be fbr itrterest otily frr the fir.st L2 0 iloths, aud then will cotsisi of principal and intere.st' I will rnake ,ny urontirly pyment on the ls t day of each rnonth beginrng ou FEBRUARY 12 O O 6 . I will nuke tese paymenLs every month until I have paid all of the prrcipl ald intetest aud any other carges described below thatl uy owe under this Note, Each nmnthly pilyment will be applied as of Ls scheduled - It', on due ate, arrd if the paymeut inclues both principat and interest it will be apptied to interest befbre Principal ,TANUARY I ,2036 ,l still owealnounL\under this Note,Iwillpay thoanountsiulullott
r,har

date, which is called the "Mahrity Dte ." I will rrake rny rnonthly paymenti t209

AVENUE

D SUTTE

20

0 A,
if

SNOHOMISH,

WASHTNGTON 98290

or at a ditlbrelt place

required by the Note Holder'

4.

_ -

fbr the first J-20 uonthsof this My rnonthly pymenrwill beiuthe amountof U.S. $ L, 109 .14 Note Holder will uotily nte prior The 6 1 . 8 51-2 U'S' amoult of the be iu $ , loce, aud thereaftr'will to the datc of chauge iu monthly pymeut. BORRO\ryER'S RIGHT TO PREPAY I ave the r.iglrt to uke paynrenls of Princal at any tiu:e betbre tlrey are due, A payneut of Principal only is so' krtowrr as a "Prepayment." Wln I make a Prepayment, I will tell the Note Holder iu writiug that I am doing Note' the due under pymenLs ruontlrly tlre nude all not if I have payment a Prepayment as I nray -l nor desigrut a iay rnake a fuf lrepayment or partiat Prepaymeuts without payiug a Prepaymett charge. The No Holder will use my prepaynrents ieduce ihe amount of Principal that I owe under this Note . However, the Note Holder my nray apply my prepayment to the accroed and unpaid interest on the Prepaymet alouut, betbre applying in chauges will no priucipat be there pafiial Prepaytnent, prepavlnert tti reduce-tne amount of the Nte, If I make a

(B)

Amount of MonthlY PaYments

if't-SeThmges.-owerer;iftte---

of the partil prepaymelt is roaOe Ouring the period when my rnonthly payments corLsist only of i[terest, the arourrt well as irterest of a-s only payments coruist rry rerm wher of the urouthly pym.ot will decrease for the reuainder period che during is nude paltial Prepayment If rhe interesr. utd paymenls ofprincal co.sist during iiti *" that rny however, wherr nry pymets ru*iri of priucipal and irterest, the amount of nty ruonthly paylueot will not decreasel Date. ptor the Maturity to paid wilt be under this Note iltcre\t required priipai the and Ure

Mru^tr
ED RATE NOTE-Sinsle FamilY MULTISTATE lnterestFrs Fannie Mae UNIFORM INS RUMENT Page 1 of 3 Form 3271 1/Ol 80649-l 362

www,docmaga, aom

tjr2? I I .oor

5.

is finally iuterpreted so that th applies to this loan and which sets mxrlulll toar charges, erceed the permitted lirnirs' loan ttris witlr iuterest or other loau charges collected or to be oollerted in courection to the permitd liruih charge the reduce to nessary the anount then; (a) a'y such loan cbarge shll be reducedby linirs. will be refunded to me' The Note and (b) any surns already collected from me which exceeded permitted uuder this Note or by rnaking a direct payment I rrole ma .huo.** to n ate tt is iefund by reaocing the Principal owe a parlial Prepaymetrt, m rue- If refuird reduces principal, the reducon will be treated as REQUIRED AS PAY TO FAILTJRE 6. BORROWERIS (A) Late Charge for Overdue Payments 15 calendardays

LOANCHARGES

If a [aw, whir:

If ilreNoteHolderhasnotrcceivedthehllam0untofanyrnouthlypaymeiltbytheendof ThEaurount of thecharge willbe 5 ' 000 % rtier the datc itisdue,I will pay a late charge to the Note uoler. promptly but only once ,f my overdue pyment or intest and/or pncipal and interesr. I will pay tliis late charge
ern

each late PaYmeut'

(B)

Defaul

Notice of Default that if I do uot pay the overdue If.l am u detbult, te Note Holder may send me a written notice teltiug lne fill amount of Principal which lus itre pay irmnediately to ainount by a cgrtain date, tlre t{o Holder may requirc me Tt date urust be at least 30 days atter the date on which not been paid and all the interest that I owe on that amoulit. te notic is n:ailed to me 0r delivered by other means' Holder ' : ilre ro pay irunediately i' f'ull as Q) No waiver By Note not requtt a dme when I am iri default, the Note Holder does

(C)

tf I do uor pay

the tr:tl arnount of each monthly paynlent on tbe date

it is due' I wll

be in def'ault'

d*"iB't1i$ilf*;*,jra*xruif:i
tf fte Note Hotder
tras

ven

if,

ar

oo

it

rigr ro be paid back by me fr all of its csts and r*pttttt itt "rrforcirig

above, the Note Holder will bave rhe t";;;t; i; pay im*ei"eu tu' as descbed this Note to *te exte[t lot prohibited by

":

'

a ra'er

tiile

1erur'!

applicabtelaw.Thoseexpell.sosiuclude,fbrexample,reasoubleattortieys't.ees. 7. GWING OF NOTICES

will be tttldce that must be given to trte under tls Note Unless applicable law requires a differentmethod, arty address dif't'erent at a or above Address Le ar ," Property giverr by delivering it or by ,*=[i"g ii v ntst class rii addfess. diterent my of a notice ir t giv ilre Note Holder Note will be giverl by tteliveriug it or by nrailiug Auy notice that rnus[ be giverr t0 the Note Holder under this in section 3(A) above or at a diff'erent address if I arn it uy tirit ulas.s miil to the No-te Holder at the arldress staied

givert a notice ofthat different address' O-NiICIIONS OF PERSONS UNDER THIS NOTE the protnises and personally obligated to keep all of It more thalr one person signs thi.s Note, ech pet** i.\ ntlrv surety or gurDfor' is a who petsoll et'y o*.a. in this Note, including the promise to pay the full ,t toun, including obligatiou's' these over tates who person Any 'rade eudor^er of this Note is also obligared to do oese is also obligated ro keep all of the promises rnade l.1or., t* or or endorse guarantor, .*irrv a rhe obligations of or agaiust all of ulder ,tir-,it" ogoin-st-each personindividually this Note. The Note Holdcr rnay enfbrce its rign Note' this under owed r, t.q"i.rJ to p"y itt of the artrounts us togethcr. This meurs trratrny oue of us *ay

8.

ffi,

i.

9'

WATVERS tJre ri-ghts of Prcsentment-aud Notice of I and any other person who has obtigatious under this No waive of'anrouN due' "Notice to durrund-paynent the Note Holder nor. {resettment--meuusreir10-rrnuite pe t,x'tlttt giue *rtitt of Dishonor,, mearls the right to require the Note iloler 6
bceu Paid'

10'

' ee of rrust,.oi security Deed given to the Note Holder under thiS Note, a Mortgage, which might result if I do not keep possible.-losses fiorn Hfte, Note the proterts dted ttre samc date as rhis Note, what condition^s I rnay That SecurityJt"ot""itt describes how aud ulder dre prornises which I make in ris Note.

UNIFORM SECURED NOTE proteolions in sor'e jurisdicrions, lr additiou to t'e Triis Noie is a uniformn\tmmetrt wth linited variatiorx (the "security Instfument")

Btrro^tr
MULTISTATE lnte16stFr Fanno Mae UNIFORM Form 3271 1/01

FUMNT

RATE NOTE-Sinsle FamlY

Page

DMagic 2 of 3

80c,-64e-1 362

www,docmagc'com

Us327 l3.nn

of those oonditions are be lequired make irmnediate paymelt ilr full of all amourts I owe uldr tls Nore. Some described as fbllows: (or if Bonowcr' f ali or ay pa of the Property or any lnterest in rhe Property is stlld or rranstrred Lender's prior without is uot a natural pisou and a beneficial interest in Borower is sold or transtrrcd) this Security by secured sunrs of all writteu sonsnt, Lerrder ruay reguire imrnediate paynretit iu ful! by prohibited is exercise suclt if Lender lnstgleuf, However, Urisptin shall not be exercised by Applir:able Law.
shal.l give Borrorvcr notice of oceleratitlt, Tlre notice shall 15 the date the uotice is given in accordance with Section from provide a period of not less ttran 30 days pay f'ails to if Borower within which Borrower utusr pay all sums secured by this Securiry lustrument'

ff Lender exercises ti.s option, Lender

by tfiis Security prior to the expiration of this period, Lender ruay iuvoke auy reine dies pennitted hlstrument witlrout further notice or demand on Bouolver'
these surr.s

wrrNESS THB !IAND(S) AND SEAL(S) OF THE UNDERSIGNED'

(Seal)

(Seal)

-Borrowe

-Borrower

(Seal)

(Seal)

-Borrower

-Bortower

(Seal)

(Seai)

-Bonower

-Bonower
[Sign Original OnlY]

Fayblfl$t q$gu*le l+dlelgr hcr #futRmr

rybQG

ffi

nntE ruote"sngle

FamilY Page 3 of 3

DocMagc

&ftilw

8oo

49' t 36 2

www,doemagrc.aam

annie Mae UNIFORM INSTRUMENT Form 327'1 1lO1

Exhibit B

ALLONGE TO NOTE

LOA}I NUMBBR?O22O254L LOAN AMOUNT:

S200. 90O

. OO

9A21L

PROPERTYADDRESS:4gI'9

A36'rI PIJACE NE' MjARYS\/ILE'

VASHINGTON

ALLONGEITONOTEDATE DECEMBER IN FAVOR OF !OMEEIT,IR JENING

14,

ZOO5

AND BJ(BCXJTB BY.JACOB D

'

BR^EDE}I'RIT

PYTOTHBORDff'oFCOpIITRYWIDE stMr van&sv, c 93063

B'AI'IK'

N'4"

LEoO TFO CAlrsON RD"

WTTHOUT RECOURSE HOIIiESTAR IJENDIG

TITLE:UL0 l'^tv

ALLONGTO NO'fE

atuatsaz tttucF - ww.toamrglro.oom

06loa/o4

Alhd. ({tr

Exhibit C

Corporations Section P.O,Box 1369? Ausin, Tcxas 7E7l l-3697

Hope Andrade
Secrtar,e

oSlatc

Office of the Secreta ry of State

@
OF

CERTIFICATE OF FILING
BAC Home Loans Servicing, LP
File Number:
13 I 869 10

SERVICINC LPI $ormerly: COUNTRYWIDE HOME TOANS

an amendment to the cetifrcate of The undersigned as secretary of state of Texaq hereby certifes-thal partnership fo.rthe.above named limited paftnership or rfr.ppir.t fot tegistraiion as foreign limited provided by law on the date shown below' limited partnership tras Ouen L.rived in *'is omce and filed as

this certificate evidencing the filing in Accordingly, the undersigned, as secretary of state hereby issues
this offrce, Dated: 04l2lDA09

Effective: 04127t2009

q*'*(
Hope Andrade Secretary ofState

Come vsil us on the tntetne al hltP:1ttwv'tos'siats'tx'us/

Phone: (512) 463-5555 Fax: (512) 463-5?09

Dial; 7-l -l for RelaY Servic

Doculncnt: 254?9 l8?0002

Prcparcdby: Lisa Sasn

TID;

1009

,."|lf
CERfl FICATE OF AIIENDII,-TEI{T
TO THE

"Et.t11,""
2 1 ?003
,

APR

Corporations Secon

CERTIFICTE OF IJIVilJrED PARINERSIiltr

Pursuan ro e provisione of tcction 2.t2 oI Tex Rviscd Pnship AE udongn d li,oiteO partrsttip dasir lo meod its Certfictt of Limited Pannorsh and fo tbat prrpose suburie thc bllowing Ccrtifclc of Andmtf:

l.

1lre narnc sf rh limied partnrrship is cornuyrvide Home toans servicing LP'

2- Th Certicate of Limitcd Ptrership is arunded follows:

Tbc rane of c limited paoership s BAC Hostc loms servioing, LP. reflect th Tbe Cstificate of Limited lrtnersftip shatl be anrended' as of Aprjl2?,zCP, to aboverran change.

Darcd:

Aril 4!.zool

COTJNTRYI\TIDE }IOME TANS SER\/TCINC LP

By: 'Cornywide GP, LLC

lrs:

Geueral

Pstu

By,

JlilV. Schkett

9-1'---/-

{ga"ta "oe

Chief Executire Offi c

Exhibit D

CRPRDNRBS4Sb

10/7/?011 l;55r10 PU P{CE

2/008

888-294-5858

BrrlofAneric

llonlo
P,A, Eox C|TQ

SiniVaiiGy,CA

ffi't70 Noll Date: 1OlA7l2A1'l

AccsuntHo.: 115803267
JACOB D BRADBURN
4017 226TH FL NE ARLNGTON, WA 98223

Property Addrees:
481 136TH PLACE NE MARYSVILLE, WA 98271

Attacred

is a

loan history that Provides

detaibd outline

of

transactions

for

the

above-relerenced account nunber. paymnts recived' tax and Please not that thb history prgvidss prnftt inlorrnation on paid' insuranqe payments U*urs,6, and lat'charges assessed and

THAI,KYOU FOR YOUF BU$INESS

you are a valued custorner here at Bank of America, N.A. and it i our contnusd goa to
prouiU our customsre with the highest levelof cus'tomer satisfsction'

lf you need further

1-800-669-6607.

direc'tly at asslsanc, pase contact our Customer Seruc Depaftmont

yout home loan' Thls cornrnunlcadon ls from Bank of AmErlca, N.4,, lh Eervlcer of
LNHISTF 7473fi]S#

w707

Bnkofmerica
llomeLoan

l)
Prooertv Address: 481'9 16TH PLACE NE MARYSVILLE, WA 98271 Total Payment PMT/Mo
Principal

:U

t
01i19lNO?f1
Balance 2q),900.00
r
cf

Account Number:
Staternert Period: Date Prepared:

E' z t

Transaton

Descrption

lnterest

Esctow Balarrce .00

Optional

HUYOo\vn Totl
.m
,(x

tate Oharges

(t
UnaPPlied

Ttal .oo

Beginning r.?at05
12/2TO
INVESTORREVSAL

.1.100.i4 1a2g
1,109.14
0ltE006

.00

-1.J@.14

.00
.01

.00

.00

.00
-00

20q,900o
-00

-0t
-00 ,00 ,00 -00

INVESTOR PAYMEMT

I,r09.14
.o0

200,st0.00 01/26
.00

0
807.81
.00

o0

.00

.oo .00
.00
-{10

130/200s

|NI.nALT(DEP

80?.81 r,3e4.00
1.334.00

.00

200,000
0006
-00

807tt
4.86
1,0i-8- .00

_ts

q { .oo l\ o
l..
(rl (tl

O2rcAOO6 FEGUI-ARPAYMENT

1,10s.14

.00
.o0

200,s00r0
03r08 .00 I .100.14

006/2006
o/u3/200

REGULAR pAY[lNT

224.6

.00

,m
.00

.00
.00

200,9000

15753
?24s,6
'1,18:39

.00 i(

REGUIARPAYI"IEI'IT

1,33j.00
-1,19-08 1,334.00
1,An4-00

0412'6

'oo

f .1@.'t1

.00

.00

20qso0o
0412006 .00

.00

{is192008
032006 06,01/2006
OGPT2008

COUNTYTAXPM
REGUI.AF PAYMET

'00
1,109.1l

20qs00t0
0526
.00

-1.009.08 473"31

,00

.m

'o -00 g .) \J

.t0
-

.00
.00

ts
ll!

186
6ffi.17
224.88

.00

. .

.
.00

.00

200,000,00 06/2006
_00

REGULAR PAYM${T

1,10S.14

.00

200,000.00

t3.03
"00

.00

.3
C

o) _00 \
.00

MISC. POSTII'|G

45.01
45.01
1,3t4.@

062006

"00

2t0,900f0 06/2m8
.00 200,900.00
.00

ft2
45.01 9?,''.43 .00 .00

-45.01

.00

.s

.00

.oo
.00

-t

o67fA6 ESCrcW slloRTAGE

OZbsOOo
OS14I2OO
RGUI.AR PAYMENT

.)
1.1.14

0 .0 e

.00

.?

07P008

2oo,9ooo 08006
.00

r47s
217 1A '1,t95.07

2?{.6

.00

.m
.00

.00

.00
.00

.m(o .00 t (fi

RGUI-ARPAYMENT

\ffir 7.
1.3263{

1,100.14

.00

.00

200,90l]0
ffi126
7.6 .00

:$H
-00

f14rffi8

.00

.00

.m

MSC.POS|'|G

M,F923

1s5.07
1.1@.12 e17.18 ,00
.00

.00 -00 .00

.m
_m
-(t

OYIOS2OO6 REGULqR PAYMENT

092006

0
200,89e3t

1,5t22'

.00

EaIof merlca

*
lloln

tm 115803267

Page 4

o id t' t
r+

Account Staternent Date

Number: Period: O1/tgB6 Prepared: lolo7l11

Dascription
REGUIAR PAYMENT

Prooertv Address:
4S1.9

z F
/

I36TH PLACE NE
Escrow Balance
21-t.18 1,700./ts

MARYSVILL. WA 98271 Total Payment PMTIMo

104006

a1

rrai;lion
092906

Princal
Balance
.m
@,89

lnterest
1,1.09

Optional

Buydown

Lalo

chrges
.00 -00 .00
-0

Ut#l*
.00 .00 .@ .00
.00

()

1,92s.
-1,fxI9.00

1@52006 couNTvTAxPMf

10006

.
z60,a9z3

.00

-10.09
70.3[

o
*
h,
c)

1t'0,9'06
1ilEOTO

REULAHPAYUIENT

1flfl
.676.00 1826.27

1'112006

20q894
11120

"00

1,1.

2',t7-18

"00

r"00?-52 .@

.00 .00

.00

HAZARD INSPMf

.
200,88232
-00

76.00

.00

-m
-o0 .00 .00 "00 .00 -55.45 55.45 .00
.00

cl.5

.6
.@
.00 .00 -00

1JTA6
o'/t07 al/lzso'

R@ILARPAYMNT
R$JLAR PAYIrMT

1?/?d6

t.r@.09

7:
54&?o
217.18

200,tfl32

1ffi.n
55.f5

$fm7
0l7

.@ 200,8932
.00

1.1.00

I F

U1

7er.88 .@
_m 765.88
-00

.(
.00

u R
E

cr
l

Mrsc. PosrlNG
t',llS0.. POSIING

200,92.
-o0 -00

-55.4S

.00

0126007

-5$.45 0Vm7
-13,j6.27
1212006

20q802., .@ 200,8t2.:
,@ -1,109.9

7t3-88
-217.19
548"7

-545
.00 -{x, .00

.00 .00 .00 .00 .00 .00 .fto 55.45

55.15

"00

o1lftn7

PAYMENT REVERSAL

*
C}

JA#MI
@J16t7
031f//2007

REGUTAR PAYMENT

138.n 5s.45

/2007 01/267

1,1.

217.18

.00

20,8!232

706.t

.55.{5

o c
c0
I

I.ATE CI{RGE AD.'.

.m
200,8e2a
.00

.m
1.109.0s

'0
785.88

55.45 .00 .00 "olt

o co
9
I

REGULABPAYMENT

1,381.72 @l7

mqsSz3P,
.00

217.{8 sxt.06
'00 983-05 21?.18 ,00 .00

02r?fp7
0{r@007

MISC" POSTING

5,,15 11.12

e?fJl

-00

.00 .00 55.45

"00

-5.45
-00

o
(tl
()

200,89r t3f?

REGUT.AR PAYME}T

.
200,89234

1.1.09

-00

100.24

.00 .00

(,l

CD

Brlolmerlc

*
tlorn loqs

c)
:

\J

Account Nurnber: Statement Period: Date Prepared:

15803267
1

Propeny Address:

tJ z :
cp

01/r.s86 -

4I9 13TH PLACE NE

MARYSVLIE.

lo7l2o1t

WA

(n
,

98271

t Optbnal
.00

Transac.tion Description

tJn'#J*

PMnMo

Principal Balancs
_00

lnterest
.00

Escrour

Balance
.1166:69

- Lte Charges UnaPPlied tsuYdo!ffn Tcl rtat

.0q

O4ifj O4[Tff.7
O4I2T?07

COUNTYTXPfuff

-'r.166.69 007

.00
"0

200,8e.2.3

t3J6
217.18
250.7:3 .00

.00 .o0

REGUI.ARPAYMENT

1.326.27

041?7

.(
200"80.32 .00

1.1.09

.m
.00

.00 .t5-15

"
.o0 .00

REGUI.AF PAYMEI'T

1,1.of)

?1Tla

200,83efi

fsl

.00

.00
-56..tS

.00
.00

(} -
N'

w24/no7
A6TA1r&07

Mlsc.PosnNG
RGUIRPAYMMT

55.45 1,g26.n

062007

20,903t
06007 .00

'00

.00

4ggl

^00

.00

.fx)

5.45 -00 .00

-0
.00 -00 .00 .00 .00 .00

O F F

1,1.09

217.
685-0C

.00

.00

t89212

-0t
,00 .00 -00
.0t)

(tl

A73O7
OSOCOO7

REGI.ILARPAYIGNT

1ffil'
1,3S9.O1

aln7

20q8e2

.0
,{n

1,100.00

e17.18

.00

t-.

9]022 279.
f ,18,lg
-00

<f

U
r

REGU1R PAYMEI{T

ffil
,?fl)7

f,108.09

.m
.00

200.s2
.00

.00
.00

c/TI}7

REGUT.Aff PAYMENT

1389.01 '1.444.6
-1.168.6S

1.1.@

279.9
1A62.11

-00

.
-00 .0

200,n9
t4007

.m
545
.00

) rtl

(ll

111ffi7 1u2?m7
'11112ffi7
11119ffiO7
13,OT?

REGUIjF PAYMENT

.00

1.1.09

.00

.o0

20q8$
1012007 -00 20,,802.32

1l4L "75,.
-1,re6.G)
_00

.
.00 -00 .00 .00
.00

couNwTAXPMr
REqULAB PAYfuNT

.00

.00

.o0

575.4 1.1-

.(E
.00 .00

o a
co co
I

1,385'.01 111m7

275.v

.@

2,8&t2
.
'00 1,1.09

a55fr
-66!.
-00

.@

HAZAru NSPIT

-669. l1fffil
138S"f m7 13S9.0'l
$r008

-fx

ztss:zR

1
279-
468."t8 .00
.0

.00
.00 .00

.o0 .00

t\t

(0

REULR PAYMENT

2L
.00

. . .

t cf

g)
(,r
c0

01/0908

REGULAH PAYMENT

1,109.09

279.e,
78_10

_00

-6

.@
-00

20,tt?3

BanhofAmedc

*
flfrtLom

()

:d qt
Property Address: 4SI9 136TH PLACE NE MARYSVILLE. WA 96271

F
ct z :d
CE

Account Numben Statement Period

Date Prepared:

01/1s86 1010712011

t
r

Transaction

Desuiption
REGULqRPAYMENT

Total Payment

PMT/Mo

Principal Balance
.00

lntert
1.10S.0

Escrow Balance
279.
1,02-@

Optional
.00

rjuydown Total.@
.00

Lde Charges UnaPflied

rf

loil

112&ffi
TOO8

1,389.fi m
138S.01 a{l
1,444.t6
04/2000

,00

200,892J
.o f .'l0s.0e

.@
.00 -00

REGULAR PAYMENT

279.9,
f.305-4

.00

.00

.00

200,892-? .
20a,89232
1,1CS.09

-5n45
55.45

o
*l
h,

404208

REGULAR PAYMENT

379..
1,58.86

.00

.m
.00

.o0
_00

O4/18I2OS COUNTYTAXPil,IT
06,:7/)EOO8 REGULAR PAYMENT

"13S8-S
f

04t?0

.00

.00

2Oq8e2J3
06/2008 .00

-1.e88.86 297.00

.00 -00 .00

.w
.00
.00

()
F F

,383.01

1,1@.09

200,8t2.32
.00 1,100.(}0

278- 676"!2 279.

83C.86

.00

.00

-5J|5
.00 5.45

-fi
.
-@
.00 .00 .00 .00
.00

(tl

O72OOS BEGTJIR PAYMENT

1,444.48 06rm8 1,444.46

07ie0c8

.00

I F

2@,&'e .m
200,8123
5.44 1.109.O0

-5.45
.00 55-45 "00 .00

o
J

O7Ii4O

BEGUI.AR PAYMENT

279.4
1,13t-7i

o7l14J2009 MSC. POSTING

55.r+ 07,2ffi
1,397.30 6120

.00

.
I,136.7t
28.3t

20s.18
-q)
1,108.2

.00 -fxt
.00 .00
,00

= u

c)
rq o

O7IzUffiE
o1A?nl9 0?/31/2008
071,?008

.00

RGULARPAYTNT

20qm-84
47.1

1,M.11
.00
.00

.00 .00

Mlsc. PosTlNG
REGUIAR PAYiIENT

47.'18

(nremS

.00

.o0
-oo

200JEe-u .m
20q7ES.72 103.00 200,888.12 ,@ .o0

1f',n-L
u8.38 ,00

0
.00

o o

f\,
I
I

1.396.fi /2m

1,1ff.53

.()

1rt3.s2
.00 1,71.5 288.s8
-00

-to

.
-00

MISC. POSTING

1rc-
1B6,44

09/128

.@

.0o -00

o
(o

-m
.

0S5008

RECt LA PAYMENT

1or2a

1,1.96

.00

.m .

2,68e-?2 10200{

2p0t-s
.00

o90S008

SC- POSIING

51

5'l
200,086-15

-00

-00

2olr0

.0 .00 .00 -00

('
CD

.m
-m
-00

(tt

BakofAmeric

(1
I

*
lle lans

PageT

:! J !!

tJ

Accourt Number: Statement Period: Date PrePared:

15S0326?l 01/1986 - 1p011

1

1oto7l11)
Payment

Property Address: 4S1S 136TH PLACE NE MABYSVILLE. WA 98271 PMT/Mo

11128

z :!

tt o rr
co

Transaction Description 1ci,17,l3006 IOPONO8

REGUI-ARPAYMENT

Total 1,3s6.s

Principal Balance
.00

lnterest
1,107.S5

Escror
Balanoe

Optiona
.00

Buydown
.00

Latetharges

unappled
.
.00
.00 .00

rf

200$88"15
11008 .00 .00

p.
-r.288.8

u*.

-o0 .00
.o0 .0 .00 -00

COIJNTYTAXPMT

.1,2S.S

.00

.00

200,88e15

1,ofi.
-710.00 2Cl.& 288.88 .00 .00

()

1{fi9008
ir240t'8
11t24i4lo0

I{AZAFDINSPMf
REqULARPYftENT

-710-m
1.336.

11t2008

.m
200,6815
-00

.00

.00 .00

\]
h

12Xe008

1,107.95

-00

.(xl

300"68e15

57t.gt
579.00

ll0
-oo -00

-00

.m
.00
.00

Mlsc.POSr|NG
f

.o1
.451.?3

1nffi
01r209

.01

.00

'co

.00

.
.00

o tP
(J1

.@
.00

2OqC68J4
.00 20q68{1.14

OyoJ}'
OClOOg

EGUT-APAYIdENT

1,tcf7.95

288.
88-18

.00

55.40 .00

-0ll

3 *o
rt

REG{JLARPAYMEhTT

1500. @fffi
-1313.78

.
200,6861l
.00

1.107.95

288.38

.00

.fit
.00

5540

1l5t-c
-1.e1-
-00

no
.o0 ,00 .00

&n
$.r
.
.00

48.tl

o440a0o coUIffYTAXPM
05,07/200S [fSC. o5?r2009
POSING

@ffi
r200s

.00

2@,f&14
.o0 .00

-157J2

o rt
\t
O
C>

27
..27

0,686,14 /2009

.1u6

48.27

.00

.00

.00
.{x}

sc.POSnNG MSC. FOS|NG

.m
?0,680-14 .00

'00

.00 -108.05
.00

.00

612009

1^&
-1.313.78

0oo9

.00

.00

.0

2m,68J4

-1(F.8
-00

.00 -00 .00 .00

^&n
48.s
-oo 1.226.46

I,120.e
.oo

c0

1CY19aOOS COUTTYTAXPMT
f

el
i2009

.m
200,88014
.00

-1813"78

.00

_00

-1i'dLT7
-715-
.00 .00

.oo -oo
.00 -00 .00 .00

s
I t'*} I

lz.lo
.00

(D

]
('l

lllepoog

l{AzA NS

riff

-745-59
-1,e06.73

.{xr

200,86.14
/e000 .00 .00

-416t
-1,206.73 ,00
.00

1,22t{t
.m
tr,225.lt

o 1

0{190,10 coufYTAXPMt

20oi8s.14

-3rTt-03

8rkofmerlcr

florn

:
lonr
1

l)

fr
E,

Acc,ount Number: Statsment Period;

15803267
1

Property Address:

z :d
tu ot

01/r906 -

Date Prepared:

1d07/2011

4819 I36TH PLACE NE MAHYSVILL. Wr\ 98271

(r
Optional

lransaction Descrion
10JO1O COUNTYTAXPMT

,li#* PMrMo iffi

-1,806.
@009 .00

lntered

Escrow

Bahnca
-1e06.?3

&.rydown

Latechatarges

'iH*
.00 1,20.48 .00

rt

. .00 ^6}

26688-14

4#1:n
.763.C

11/19/2010

I{AZARINSPMT

-7s3.e

0/200s

.00

20t t{16.14

-544-80
-t,t18.8 ',,0.0e

0415/?0rt
o5t2s/20t1
l0ro3011

COUNTYTAXFtvft

-1,118.80 /2m0

.
2oq8.14

-00 .00 .oo .ql .(x -00

.00 .00
.oo

1&6.48
.00

o
-t
NT

13,2t
-1.6.46 ,00
.00

c>

Mlsc. PGtlNG
COUI{TYTAXP/ff

:1W.&
-f

@fmfJ

. mo,8st-l4
.00

F-

4{CA-d
-1.148-00
.?2.51t

F
(t

.1t8.s0

0e0

2,68ir

.@

.m

v
F

o E g

l r{
m

(}

o c

00

o @
t\ (o
r

q)

('l

Exhibit E

l FannieM*e
tt Wc! ,l!'rJ. klY

*rrrt.r.

Di fJ:{ t

'

.nnouncement 08-12

Mry 23,2008

Amends these Gui'des: Servcing

NoteHolderstatusforLeglProceedngsConducted'nthe
Serucer's Name Introduction
grants servicers, acting in their own names' Currently, thc Fannie lvlae Sencing uide in foreclosure procedings holder of interesrs -iann" the authoriry ,o ,.prrrrni funni, U.'s ut is ctarifying rat the ability of the morrgage note. With is Announcurn"nt, holOcr of the mortgage no& also the servicer ,o ."pr"rrni-runni. Mae's intercJs-as proc"ene*. In order to more tullv applies ro bankruprcy;r;;;;,- an other ,r*ui r th serviccr's note holder sttus' a new describe Fannie M*', ;;;.1*trr regard and is outlined bclow. section of the servicing buide has been created

New .Ssrric tng

ude Section

SencngG*de,FarttrCbapter?'Ylioo202'6'Notel{oldcrSttusforLegal
Name Proceedlngs Conducted ln the Servicer's of the mortgug" n?:u' Fannie Mae is at all times the owner

:f.t|:t-t""::tr'Sr:i; ff#'i#iJl,liffi fi Jffi !;;;',il"';;itiiH""-:,::?iSiiii;li IH*i: :i"'i;#iriii"i* p"d:r lnd i:4: Tlll'""^* ew.-annic-Mae ma.v

in ln the llmltvs ulruIrilqr*' -^t;;;y excePt n note. 'rtuti xcept rro, eustody of the note. If Fannic Jit"ti possession of the note or a.custodi- - .,^^rr-* +La document ^^,r errsrodian custodian has

ffi: ii:::'i:''" ;ir"

;;"ir";;;;;r*

i;"ni* I'io"

;;;{;; 'l:,:: and benerit'

exclusve use

nnouncement 08'12

Page I

Temporary Possession by fhe Scrvicer and duties incident to the tn order to ensure tt *t u t*""t is able to perform e services

gives the servicer pOssession of servicing of the mortgage loan, Fannie Mae lemporarily represents Fannie the mortgagc note rvhnever the se*cer, a$;g in itiorvn name' Mae's intorests in

r r o r

foreclosure actions, bankruPtcy css, probate proceedings' or other legal proceedngs. upon the

and immcdiately This temporary fansfer of possession oceurs automatically na1-, of our intercsts in he commencemenl of the servicer's reprsenttion, in itl proceeding'..When Fannie Mae transfers foreclosure, bantruprcy,roUi", o' ottrer legat pott*itin,'te t"rvice. comes thc holder of the note as follows:

, lf

that ihe servicer possession of thE note on behalf of fhe ssrvicer so possession

Fannie Mae has a nore s held at Fannio Me's document delivery faciliry, has constructve

thc not'e and is unO the servicer shall be the holder of the name of the servicer for Fannie authorizd an entileJ to enforce the note'in Mae's benefit' Mae's behalf' the cusodian If the note is held by a document oustodian on Fannie rhe servicer sQ thsi the servicer has also has posrrrsio,i"Jtft"-no,. on Uchaif of shall be the holder f the nofe and sonstrucfive porr*rrijn oiif,i nor. ut,U tlt" tt*tccr the name of the servicer for annie is authorized and entitled to enforce *t. not" in Mae's benefit.

of the-io

Physical Possessfon of the Note by the Servicer note. If a sorvicer determines ln most ases, ,"r",or, *1i rruu" o *opy olthe mortgage Fannie Mae's interests *pttttnt no thar r needs physical ptt.t.t "f the'originst servier may obtain the proceOing, in a forcclosure, bankruptcy, prcbare, or othei tegat physical possession ofthe original note'
because Mae's posscssion of the original note isdirect suUmll,1eOuest to obtain the should setvi*r. ttt" sr.e ar ils documenr delivery faciliry, that are needcd to the custody original note and unv o,i", ,rr-tody documents n q"ri sirtem (LDRS) on Fannic Mae's web r

If

-r-annie

the custody documents

Deparrmenr through

Jo*'o;il;r

sit (.www,e lann iernag.cortl'

tf Fanne Mae possasses the original ote ttuough a u ntqitt, for ReleaselReturn of itur tttoav of th" not", the servicer should sul.mit ';;";;;;;; to obtain the notc and anY other 1f,orm,2009) to Fannie Mae's custodian
ustody doguments that are needed' whether whcther the original note is required or In either cse, thc servicer should specify

thc request is for

a coPY'

Announcement 08-12

Page2

Reversion of Possession to Fannie Mae interests in the At the conclusion of the servicer's representaton Of Fannie Mae's or upon the servicer oeasing foreclosure, Uunr,r,,ptry]iro", * ttt"i legal proceeding' reverts to Fannie Mae' and to service the loan f", ilt;;;;n, poss$sin automatical the foreclosure' bankruptcy' Fannie Mae resumes b" rh; froidet, jusr as it was before physical posscssion of the r"gar pi"itti' IJ;t t1'icer has obained
probate, or other

document ustodian' as applicable' original notc, it must be returned'to Fannie Mae or the of possession to Fannie Map' are i y trunrf".oi$ssession, and any reversio Guide. This Gaide provis'ron mey be evidenced and memorialized by this seotion of the conducting the foreclosure' relied upon by a Court to Lrtulirt that the servicer has possession, and is the name legal proceedin! in its bankruptcy, probate, ";';h;, it'rorGi"* u*r.]"tptcy, probate, or other legal proceeding, holder. of rhc note,lrri"g Mae' untess the Court is otherwise notified by Fannie

Revised Semcing Gade Swtion

(]ude sectianthat cunently references the Fannie Mae is amending lhe existing Senicn-g pertn"nt informarion from this section has been no holder provision ir foreclosuies. section ttrat follows
removed and
reptaoes

incorpor;;Jlih;

in its entirety

;;ttl;t

refer fo rhis Announcement regerding future date.

nw seoi;; above' The revsed should secrion n |tr-ir.,"ing Gu.ide an servicers a updatcd is Cuide Seivicing the this topic until

SenlicingGuide,PartVlll,Cbapterl,sectionl02lluitiationofForeclosure
Proceedings

Loans Foreclosure Proceedings fr X'irst MorSage whonever at least three full mongngt-iegin first a for Forelosure proccedings may begin at once for any monthly installments " pu" due' Foreclotti* ot**Jings under the soldiers' and

,"ii.rn'ot foreclosure mortgage ,r,n" lu* ttut similarly rcstricts thc right to Servicemembers Civil Relief eci(or.ny loit va"ate uy ihe borrowr and it is forectose) and the addition' to make the mortgage Paymenls' ln apparent thar the Uorr'*er"o"s nt ntend if be started immediaty foreclosure prccedlngs for any mortgage laV were avalable and relief provisiolt ttr the sqwer **ouir"'in wrilin! or in fulfilling the motgage

*r.oi ffii,:gbt;rot

;;;;-;*t

;u9;;'

tllt

a lack of interest his or her *rin"n-l"rpono' n.u of foreclosure proceedings' if *;;t*;ent the obligation or gavl p"i*iurion for or servioemembers civil Relief Act
rhe bonowr

*., lui".i'fi;i;;;;;id''r

-;

toforeclose)tot

ueing income from rental of the property is not it has been. establshed that the io upplv afrangements rc Servicemcmbers Civil Relief Act or any bonower is not oiie"tti for rc!ief und.t Chapter I' tr;;ieni'io-rot"olose' (R'efer to Part llt'

,;;; ;; ;;; stare law ,nut ,t*iT"iti

app@ -it,-*i

xhibit 1 for additional information')

nnouncement 08-12

Page 3

or Fannie Mae requires a servicer to contact irS servicing consultant, pOrtfolio manger' tbr an proceedings foreclosure Fannic Mae's Servicing Solutions Center before it initiates are Fanne MaeeMortgage. If the secuiiry propsrty is located in a state in which there wc have retained thc firms of lts one repin;nom"y, (or tru"stes), the servicer must desgnated (or trustees) ttorneys for the state. lf ther. ui. nor ny Fannie Mae-retained its own retin may servicer the tocted, propey is for the state in which the tt"uity that attorney an with ctosely work to attamey tit ut o*ilL but Fannie Vfu" *ilf ttqu.. Fannie Mae designates. Foreclosure Proceedngr for Second Mortgages two full monthty ot"clorur. proceedings for a sesond mortgag;can begin wtren t-least with the requirements of installments are pst a".. t tong as the sricer has omplied law that restricts e rhe Servicensmbgs Ciuif nAiuiAct (if appticable) and any sfate immediately mogage second tlghii" io.".tor". it cn start foreclosure proceedingS for a a provision irtcludes instrument if the first moftgage is in default and the sond mortgag" of its status thc of regardless that the second *onggt-Ue tonteted in delau-tt, pyments, ifthe fint mortgage is in default'

Ptysical Possessio of the Note by the Serriccr

nop th?t it ean use to begin the ln mosl sases, a ,"*rr, *ir rruu" oopy of the morlgage jurisdictions tqiit. ftat the servicer produce the fsreclosure proces$ fo*.""i, some proceedings' oiignat no b"for" or shqrtly after initating forcclosure
custody documents If Fannie Mac's posscsSiOn of the note is direct because the and any other custody documenfs that are document dclivery fr.ili t, io obtain the note io the Cuitody Department through the Lon needed, the servicer stroud submit a requesr Documenr Request Sy51Ef
are af the

iinnb

on anne Mac's Web site ?:v-ww'efan'nignae'com)'

lf

documeni$,

u"J to oUtan'e -it"rtri, ""r" , neteasnerun servicer should ,u*'u

Fannie Mae's eustodian'

those 'r-cnnie Mae possesses the note fhrough a document usfodian that has custody of the an! other oustody documents thl afe needed,

al

Documents (Fonn 2009) to

the original note is required or whether In either case, the servicer should speciry whether the rcguest is for a ooPY.

Effective Date
,,The ehangcs+utlinedinjhis

ar[aqllnel!
**tllll

3re

lqective immediately'

Announcement 08-12

Page 4

Srvicers shOutd coct ther Servicing Consultant, Portfolo Manager, or Fannie llac's if thcv ational $ervicing Organization's Seriting Solutiors Center at l-888-326-6438 have questions about Announcement 08-12.

MichaelA. Quinn
Sonior Vice Prsidcnt $inglc-Family Risk fficer

nnouncemeflt 0&12

Page

Exhibit F

ELECTRONICALLY RECORDED

200906{700:i3 A6lfll2As 09:20 AIll

15'00

sNoHoMlsH couNTY, WASHNGTON

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County, WashlngEn.

Stoonhlt

Whcrsas rs ursllgnd' IORTGAGE tt rCd;rt-.ieit*iry tnder aH td

plec and sed A Ur trugoo namod

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l{cv tfrerefore,in visw of lhe punisc' re rnderci Counnv, N.n-, wtroce rinss b 18Tpo Ca
tugta,

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MORTGAGE ELECTMNrc REOISTRATION

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Exhibit G

ELECTRONICALLY RECORDED

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0313012010 02:09

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SNOHOMISH COUNTY, WASHINGTO N

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400

RE(XJESTED By: Bbr.Uhtttsr coMPAt{Y yEEN itgcoRDED MAIL DocttrlrnT

srtfirm{Ts ro

SrMr VLEy.;,e:.,9S065 ".,

mq.tis bcrvicnit LP oulrllrilrD.wilv, $v- s

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gP^gBSOVETHS

UIIEFOE NECO*DRS USE

a(t

te tXpe$conrnsy cRANTs, AssloNs AND TRANSFERS To: BAc HoluE rcA'Snitvti'G,br i$l copt{TRY'TYIDE HoME LoANs $ERwcnYG L?

or DEED oF TRUsr

ALL BENEFICIAT INTEREST UNTJiI;NIgIAN,DEBD OP TRUST DATEI} IUL4NTOS.EXCUIED By; JAGE D. BRADBURN $6IJ.[t{UtkWlOR TO FIDELITY TITLE, TRUS-IEAND RECoRDED As TN$TRUMENTN. 2o5I22I I Is?.oN IZNINOOi,O OFFICIAL RECORDS IN TIE
COTJNTY RECORDERS OFFICE OT.${OITOMTSH CCIIJNF;..IN TITE STATE OF WASHINCTION' .A.IiiONS TULLY-DESCJBED IN SAID DEED OF TRUST DESCRTEING THE T,AND TTIERBIN: TooETHER wITII TTIE NoTE OR NOrES TI{ERETI.TiESC.BND OR R,EFERR,ED TO, TIB MONBY DUB

I\DTOBECoTEDUE TTTERFNwmrnrre-MST,$rb
UIIDER SAID DEED OF TRUST/IvORTOAGi \

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Exhibit H

()

Comptloller of the CurrencY Administrator of National Banks

Washington, D.C.

June 24, 201 I

Gonditional APProval #l 003 July 2011

Ms. Radhi Thayu

Assistnt General Counsel Bank of Americ4 NY8'll4-49-02 114 West 47th Street

NewYork,NY

10036

Re:

Application to merge BAC Home Loans Servicng, LP, Plano, Texas, into Bank Americ4 N.4., Charlotte, North Carolina Application Control Number: 201 l'ML'12'0037

of

Dear Ms. Thayu:

the The Ofice of the Compoller of the Currency ("OCC") hereby conditionally approves Bank into ('BACHL"), gAC Texas Home Loans Servicing, LP, lano, application to merge Carolina ("BA4"), for the rsasons and subject to the North Cliarlotte, N.4., r.rira" the iequirements sit forth-herein. This approval is granted a{e1a thorough evaluation-of OCC' the to application, other materials you have supplied, nd other information available by BANA's intuOing commitment. *d."pr.tentatiois made in the application and representatives during the application process.

of

The Merger

BANA is a national banking association insured by the Federal Deposit Insuranee Corporation Corporation, a financial fnOlC'), and is a direct;olly-owned subsidiary of Ba1! of America
olding

headquartere in Charloue, North Carolina. PACFIL is a Texas limtcd primary activity is partneiship ti,at is an inirect wholly-owned subsidiary of BAIA. BACHL's I"*iring f residential morrgage loans. The activitiei of BACHL are permssible activities for a

**p*y

nationaibank under l2 U.S.C. 24(seventh). See also 12 CFR 5.34(e)(5)(v)(D)'

into BANA requests approval, pursuant to 1 2 U.S.C. $21 5a-3, to mglge BACHL with and between a merger of g approval 5.33(exa)(i), 12 c.F.R. BANA. Under 12 U.s.c: zl su-r and provided permitted, is a subsidiary, including afiliate, an insured national bank aid a non-bank allows the non-bank that the law of the state under which the non-bank affliate is organized parmerships to merge tmited Texas law authorizes affiliate to engage in such mergers. Texas

Bank of ,{meric4 National Association 2011-ML-r2-0037 PageZ

with foreign.corporations, including national banks, with the foreign corporation the surviving
corporation.
'

Under 12 C.F.R. g 5.33(g)(a), in determining whettrer to approve the merger, the OCC shall also consider the purpose ofthetransaction, its impact on the safety and soundncss ofthe bank' and any effect on ttt" bank's ustomers. We considered these factors and found them consistent with approval under thc statutory conditions.

The Bank Merger Act

Under the Bank Merger Act ("Act")2, no in^sured bank is permitted to merge with an uninsured bank or instittion without FDIC approval.3 BANA has applied to the FDIC for approval of the morger as required under the A Consequently, the merger cannot be consummated unless and until the FDIC approves the transaction.

Section 1818 Condition This approval is subject to the following condition:

BANA's Board of Directors and management shall take all steps necessary to ensure that June the commitments ad representations sit forth in the letters dated June 10, 201I and 24,2011, from Phillip Wtttt, Associate General Counsel to David Reilly, Large Bank Licensing Lead Expert are firity adopted timely implemented, and adhered to thereafrer.
This condition of approval is a condition "imposed in writing by
a Federal banking ageney

in

meaning of connection with any action on any application, notice, or other requesf'withillhe 1818. l2 u.s.c, $ 1s18. As such, ttre cndition is enforceable under l2 u.s.c. $

Conclusion
the merger of Based upon the information provided by BANA, including various representations, BANA and BACHL is legaliy authorized under 12 U.S.C. $ 2l5a'3 and 12 C.F.R. $ 5.33(gX' provided the appticant reeivs approval from the FDIC under the Act and any othor applicable approvals, non-objections and waivers.
I 2
3

.!ee

Tex. Bus. Orgs, Code Ann, $ 10.001'

tz u.s.c. 0 t828.

lz u.s.c.

g l82B(cXlXA).

Bank of America, National Assosiation

zOtt-ML-12-0037
Page 3

Consummation Proeedures and Requirements With respect to the application, please ensure that you have submitted the following, to the extent not already provided, prior to yow desired consummation date:

1, A Sesretry's

Certificate for each institution certifying that a majority of the board of

and, if necessary, the Amended Articles of Association for

directors approved the merger.

2. An executed merger agreement

the resulting bank.

3. A Secretary's Certificate from each institution certiffing

appiovals have been obtained, ifrequired.

that shareholder or partner

If the transaction has not been consummated within twelve months from the approval date, the approval will automatically terminate untess the OCC efants an extension of the time period.
This approval and the activities and communications by OCC employees in connection with the the filing,'d'o not constitute a conhact, express or impled, or any other obligatiorr binding upon of employee ot OC, tne United States, uny ugtny or entity of ihe Unted itates, or any ofcer regulatory the United States, and do nt ih.rittte ability of the OCC to exercise its supervisory, on the is based decision Our regulations. and law applioable and examination authorities under date' The bank's representations, submssions, nd information available to the OCC as of this on which in information change if a material OCC may modifi, rurpuna or rescind this decision The pertains. decision this which to the OCC relied occurs prior to the date ofthe transaction united or the occ of the agent or foregoing may not be waivcd or modified by any employee
States.

reaohe{ at (202) 574'4588 or by e-mail atbavid.Reiuy@.opc.treas.gv. Plase include the CAIS conhol number on any correspondence related to this filing.

If you have any questions regarding this filing, I may

b-e

Sincerely,

St'fan

/. /,4'4r*

Stcphen A. Lybargcr

Oeiuty Compt otl"t Lice,nsing