February 23, 2011 Jane Doe 20 Any street Any town, NY 10467 Attorney L.L.P. ( Agent for U.S.

Bank N. A., U.S. Home Mortgage) Attorneys At Law One hundred old City Road, Suite 13, Any Place, New York 10466 (123) 456-7890 Tel (123) 555-6595 Fax Re: U.S. Bank National Association Stein/Weiner File # 1234567 Loan # 34567890123 Premises - same Dear Sir/Madam, I am in receipt of your letter dated February 27, 2008, and your request for payment in the amount of $701,979.72 . As the Alleged debtor, i.e. JANE DOE I am disputing the said amount you claim I owe. The alleged debt may not valid and as an entitlement holder and makor of the note I have a vested interest or claim in said note; Further, this is a request for validation of an alleged debt and is not a request for a copy of any invoice, statement, bill, or anything that simply delineates proof of address. Nor is it a request for a copy of any notification of assignment, negotiation/transfer of rights agreement, alleged agreement, contract, alleged contract, and the like, nor is it a request for a copy of any other un-verified document/presentment referencing said alleged debt. Any and all such documents will be requested under the Section 6 of The Real Estate Settlement and Procedures Act (RESPA) as a QWR to incorporated into and be made a part of this validation request. This request for validation of an alleged debt is a request for bona fide verification of the purported amount. In accordance with law, only sworn affidavits, oaths, and depositions qualify as a verification of the lawful existence of a bona fide debt. Absent such verification validating the alleged debt, and absent proof of a claim greater than that of the entitlement holder. To validate your claims I am requesting the original wet ink signature promissory note that I signed at closing absent this then it would not be presumptuous to say that your communication fails to state a claim upon which relief can be granted. Wherefore, in accordance with the Fair Debt Collection Practices Act, effective immediately upon Agents (Stein, L.L.P.) receipt of this Notice by Written Communication, Agent, assigns and heirs must cease all collection/prosecution efforts against alleged debtor, and alleged debtors secured private property. Agent is hereby notified of the following Privacy Act Notice: Privacy Act Notice Page | 1

This written Notice by Written Communication constitutes Stein, L.L.P s (Agent) due-process notice and opportunity to be heard. Absent compliance with all requirements set forth herein Agent is barred from using any defense of immunity from prosecution for Agents actions, as well as the actions of Agents sub-agents. By this Notice By Written Communication, Stein, L.L.P, as well as Stein, L.L.P sub-agents and principals, shall comply with the provisions of the Privacy Act of 1974, as lawfully amended, 12 U.S.C. 3401, the Right to Financial Privacy Act of 1978, as lawfully amended, 5 U.S.C. 552a, and the Third Party Summons Act, special procedures, 26 U.S.C. 7609 as lawfully amended, to assist Alleged Debtor/entitlement holder in keeping inviolate certain constitutionally protected privacy rights.

This Notice By Written Communication is binding upon every principal and agent re the subject matter set forth herein, and each principal and each agent is: (a) barred from providing any Credit Reporting Agency any derogatory credit information regarding the above alleged debt; (b) prohibited from contacting alleged debtor by mail, by telephone, as well as in person, both at alleged debtors residence, as well as at alleged debtors place of employment; and (c) prohibited from contacting any other third party regarding the above-referenced alleged debt until Stein, L.L.P establishes the existence of the original wet ink signature promissory note and until said alleged debt is verified as indicated above and alleged debtor is provided with any such verification. Note: the Fair Debt Collection Practices Act at 15 USC 1692 et seq. states in relevant part that: A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, which includes the false representation of the character, or legal status of any debt, as well as the threat to take any action that cannot legally be taken, all of which constitute violations of law. Therefore, Agent, as well as any assignee, is prohibited from filing any lawsuit, notice of lien, notice of levy, and the like, as well as any other legal action against alleged debtor, as well as against any of Entitlement holders secured private property. Alleged debtor hereby requests from Stein, L.L.P., in accordance with the fundamental principals of American jurisprudence and law, bona fide documentary evidence that establishes the lawful and or express, written authorization from principal U.S. Bank National Association/ U.S. Home Mortgage to Stein, L.L.P. to collect for and be their bonafide debt Collector as codified in Title 15 FDCPA 1692 15 U.S.C. 1692e(8) states: Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed, is a violation of 1692e. The attached written communication is Respondents response Stein, L.L.P s attempt, via written communication, to collect an alleged debt.

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__________________________________ Nicole Kyriacou RESPA QUALIFIED WRITTEN REQUEST, TILA REQUEST DISPUTE OF DEBT

This is a qualified written request pursuant to the Real Estate Settlement Procedures Act, 12 U.S.C. 2605(e). U.S. Bank Home Mortgage is the servicer of our mortgage loan at the above address. I am hereby requesting information about the fees, costs and escrow accounting of the above-referenced loan I dispute the amount that is owed according to the Monthly Billing Statement and request that you send me an itemization of the following: NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT . The information I am requesting as part of this QWR is as follows: 1. A copy of all documents executed by me at the closing of this transaction. 2. The current interest rate. 3. The adjustment dates of each interest rate adjustment, with the corresponding adjustment amount. 4. The current holder of the mortgage/deed of trust, their mailing address for process of service, along with a current telephone number. 5. The current holder of the note, their mailing address for process of service, along with a current telephone number. 6. The date that the current holder acquired this mortgage and from whom it was acquired from. 7. The date your company began servicing the loan. 8. The previous servicer of the loan. 9. The monthly principal and interest payments, and monthly escrow payments received from the date of the loans closing to the date of this QWR.

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10. A complete payment history, including how those payments were applied, including the amounts applied to principal, interest, escrow and other charges. 11. The total amount due of any unpaid principal, interest, escrow charges, and other charges due as of the date of this letter. Please separately and identify each amount due. 12. The total amount of principal paid on the account up to the date of this letter. 13. The payment dates, purposes of payment and recipient of any and all foreclosure fees and costs that have been charged to my account. 14. A breakdown of the current escrow charges showing how it is calculated and the reasons for any increase within the last twenty-four (24) months. 15. A breakdown of any shortage, deficiency or surplus in our escrow account over the past three years. 16. A breakdown of all charges accrued on the account since the date of closing, that includes, but is not limited by, late charges, appraisal fees, property inspection fees, forced placed insurance charges, legal fees and recoverable corporate advances. 17. A statement indicating which covenants of the mortgage and/or note authorize each charge. 18. Please provide a copy of all appraisals, property inspections and risk assessments completed for this account. 19. Please provide a copy of all trust agreements pertaining to this account. 20. Please provide a copy of all servicing agreements (master, sub-servicing, contingency, specialty and back-up) pertaining to this account. 21. Please provide a copy of all written loss-mitigation rules and work-out procedures for this account. 22. Please provide a copy of all manuals pertaining to the servicing of this account.

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23. Please provide a copy of the LSAMS Transaction History Report for this account, and include a description of all fee codes. 24. If this account is registered with MERS, state its MIN number. 25. A statement indicating the amount to pay this loan off in full as of date of receipt of this correspondence . I hereby dispute all late fees, charges, inspection fees, property appraisal fees, forced placed insurance charges, legal fees and corporate advances charged to this account. Additionally, I believe my account is in error and reserves the right to amend change and initiate a discovery process by utilizing the services of a professional forensic research company to investigate this further. Pursuant to 12 U.S.C. 2605(e) you are hereby notified that placing any negative coding on my credit report before responding to this letter is a violation of RESPA and the FCRA. Your organization will be subject to civil liability if negative coding appears for this account before a response to this QWR is provided to me. Please provide confirmation that you have received this QWR within twenty (20) days, as required under 12 U.S.C. 2605(e). This is required of as agent for principal. Thereafter, please respond to these questions within sixty (60) days of receipt of this letter, as also required by 12 U.S.C. 2605(e). Very truly yours, _____________________________________ Jane Doe

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