SHAM ASSIGNMENTS - McDonnell Amicus Supp Brief As Filed 1-30-2012 in Eaton V FNMA

FOR THE COMMONWEALTH OF MASSACHUSETTS NO.
SJC-11041 SUFFOLK COUNTY
HENRIETTA EATON, PLAINTIFF-APPELLEE, v.
ON APPEAL FROM AN INTERLOCUTORY ORDER OF THE SUFFOLK SUPERIOR COURT
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SUPPLEMENTAL BRIEF OF AMICUS CURIAE MARIE MCDONNELL, CFE
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Dated: January 30, 2012
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FEDERAL NATIONAL MORTGAGE ASSOCIATION & ANOTHER, DEFENDANTS-APPELLANTS.
Marie McDonnell, President Mortgage Fraud and Forensic Analyst Certified Fraud Examiner, ACFE McDonnell Property Analytics, Inc. 888 Washington Street, Suite 101A Dedham, MA 02026 Tel: 781-326-8486 | Fax: 866-625-0211 Marie@mcdonnellanalytics.com
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Supreme Judicial Court
TABLE OF CONTENTS STATEMENT OF AMICUS INTEREST ........................ 1 SUPPLEMENTAL BRIEFING ORDER ......................... 1 SUMMARY OF THE ISSUES ............................... 2 BACKGROUND & METHODOLOGY ............................ 3 CONTROL GROUP DEFINED ............................... 5 CLOUDED TITLES ...................................... 5 RECORDED DOCUMENTS EVIDENCING A SEPARATION .......... 6 FORENSIC EXAMINATION OF LATENT TITLE DEFECTS ........ 9 CONCLUSION ......................................... 14 Exhibit A Definitions & Protocols ........ Ex. 1 Exhibit B Chain of Title ................ Ex. 11 Exhibit C Classification of Assignments of Mortgage ............................. Ex. 20 Exhibit D The Eaton Defect .............. Ex. 29
Exhibit F Latent Defects ................ Ex. 43
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Exhibit E The Ibanez Defect ............. Ex. 36
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STATEMENT OF AMICUS INTEREST
Amicus Marie McDonnell relies on her statement of amicus interest as previously filed in this action on
September 30, 2011 and incorporates her facts and findings expressed therein by reference.
As before, this analysis is grounded in facts
derived through McDonnell Property Analytics forensic examination of the Essex County Southern District
Registry of Deeds which provides empirical evidence and quantitative analysis with respect to how often the note and mortgage are separated incident to a foreclosure action.
SUPPLEMENTAL BRIEFING ORDER
January 6, 2012
1. It has been claimed that requiring a unity of the mortgage and the underlying promissory note, in order for there to be a valid foreclosure, would cloud any title that has a foreclosure in the chain of title, regardless of how long ago the foreclosure occurred. The parties are invited to address whether they believe that such a requirement would have such an effect, and if so, what legal or practical measures exist that might limit the consequences of such a requirement. 2. It also has been suggested that, if the court were to hold that unity of the mortgage and note is required under existing law, the court's holding should be applied prospectively only. The parties are invited to indicate on what authority they believe (or do not believe) the court could make such a holding prospective only.
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SUMMARY OF THE ISSUES
Empirical Evidence
To assist the Court in better understanding what evidence there exists in the public land records that
suggests a certain note was separated from the mortgage securing it at the time of foreclosure, we direct the
Courts attention first and foremost to the assignments of mortgage that evidence the separation; and secondly, to the assignments of bid post-foreclosure which often transfer the property to the note holder.
Having identified the types of recorded documents that indicate there is a gap in the chain of title, or suggest that the note and mortgage are held by
proceed to offer a quantitative analysis of how often this occurs based on a control group of mortgages that were actively in foreclosure, or had been foreclosed upon, when McDonnell Property Analytics audited the Essex County Southern District Registry of Deeds, which we began on January 24, 2011 and completed on June 28, 2011.
Although we identified a number of mistakes that resulted in a cloud on title; and found copious evidence of where the mortgage only was assigned
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without reference to the underlying note; those issues pale by comparison to the fatal, but hidden, title defects that we unearthed through our forensic 2
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different entities during the foreclosure process, I
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examination that have the potential to invalidate all (100%) of the foreclosures in the control group. In contrast we found that when valid assignments of
mortgage are recorded in the public record, no cloud on title, facial or forensic, exists.
BACKGROUND & METHODOLOGY
http://www.salemdeeds.com/pdf/Audit.pdf
In January 2011, John OBrien, Register of the Essex County Southern District Registry of Deeds
Analytics, Inc. to conduct an audit to test the integrity of Salem Deeds.
McDonnell Property Analytics accepted this assignment on a pro bono basis because of its high and urgent value to the public trust, and to educate the 50
the subject banks in an attempt to resolve fraudulent foreclosure practices.
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concept that registries of deeds across all counties in every jurisdiction in the United States need to have their registries audited. Finally, we wanted to give
the public records to detect invalid documents and gaps
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in their chain of title that need to be addressed. We defined the scope of the examination by
selecting all assignments of mortgage that were 3
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the public some guidelines as to how they can research
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Attorneys General who are brokering a settlement with
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We also wanted to prove the
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(Salem Deeds), commissioned McDonnell Property
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recorded during the year 2010 to and from three of the nations largest banks: JPMorgan Chase Bank, N.A., The
sample was not random or arbitrary; we included every
assignment that appeared in the Grantor / Grantee index using the registrys online search engine. The study
included 147 assignments involving JPMorgan Chase; 278 assignments involving Wells Fargo Bank; and 140
assignments involving Bank of America for a total of 565 assignments covering 473 homes.
Before examining the documents, we enlisted the help of Attorney Jamie Ranney of Nantucket, Massachusetts to establish definitions of terms based
determine whether an assignment was either: valid,
missing, questionable, invalid, fraudulent, or criminally fraudulent. We then developed protocols and
practical applications for classifying assignments of mortgage according to the prescribed definitions of terms. 1 (See Exhibit A. - Definitions & Protocols)
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McDonnell Property Analytics Forensic Examination of the Essex County Southern District Registry of Deeds is available in its entirety online at: Hhttp://www.salemdeeds.com/pdf/Audit.pdfH. 4
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on Massachusetts law that we could rely upon to
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Wells Fargo Bank, N.A., and Bank of America, N.A.
CONTROL GROUP DEFINED
Subset of Audit: 275 of 565 (49%) Assignments Relate to a Foreclosure

In preparation for writing this Supplemental
Brief, I reexamined the data we collected and filtered it so that I could analyze only those assignments of mortgage and assignments of bid which relate to a property that was in a pre-foreclosure, active foreclosure, or completed foreclosure status. This control group is comprised of 33
64 assignments and 52 properties involving Bank of America; and 178 assignments covering 158 properties involving Wells Fargo Bank. Of the 275 assignments included in the control group, we could only trace the identity of the note holder in 189 instances which
words, even when we employed our forensic research tools, we could not establish the identity of the true owner of the note and mortgage 31.27% of the time. CLOUDED TITLES
the underlying mortgage that related to each of the 275
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assignments we examined, we found only 2 out of the 233 properties in the control group where the title was clouded by a gap or wild deed as the foreclosure 5
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When we reviewed the chain of title beginning with
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Gaps in the Chain of Title & Wild Deeds
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translates to a transparency rate of 68.73%. In other
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assignments and 23 properties involving JPMorgan Chase;
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proceeded. For purposes of our title examination, we accepted as true all statements made and did not go beyond the face of the recorded document.
Because the occurrence of a clouded title within
our control group was essentially de minimis, I do not address those issues here.
From this data, the Court can be assured that
title to real property in the Commonwealth has not been clouded when foreclosures are brought based on valid transfers and assignments of the mortgaged property. (See Exhibit B. - Chain of Title)
RECORDED DOCUMENTS EVIDENCING A SEPARATION
Assignments of Mortgage & Assignments of Bid

In the instant case, Henrietta Eatons attorneys noticed that the Assignment of Mortgage from Mortgage
nominee for BankUnited, FSB (Assignor) to Green Tree Servicing, LLC (Assignee) purported to assign the Mortgage but not the Note. This observation led to the discovery that the Assignee neither owned nor physically possessed the Note they were attempting to
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in a foreclosure setting, I set up an analytical tool to track how many assignments of mortgage we found in the Salem Deeds that purported to transfer both the 6
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enforce.
To measure how frequently this phenomenon occurs
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Electronic Registration Systems, Inc. (MERS) as
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note and mortgage; as well as how many assignments conveyed the mortgage only. Further, I segregated the MERS registered mortgage assignments from those that were not registered into the MERS System. Table 1
below contains a summary of what we found. For a more detailed accounting of these statistics including the raw data, please refer to Exhibit C.
Classification of Assignments of Mortgage)
Table 1: Classification of Assignments of Mortgage

Category
Number of Assignments Reviewed Number of Properties Involved
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33 64 23 52 3 7 0 1 27 0 33 4 0 2 11 9
JPMorgan Chase Bank
Bank of America
Non-MERS Assignments of Bid
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Assignments of Bid Post-Foreclosure (29)
MERS Registered Assignments of Bid
Assignments Included Note & Mortgage
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Non-MERS Mortgage Assignments (121)
Assignments Included Note & Mortgage Assignments Included Mortgage Only
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Assignments Included Mortgage Only
MERS Registered Mortgage Assignments (125)
There are several important conclusions to be drawn from this breakdown. First, it is apparent that MERS registered mortgages represent less than half of
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the control group (46.35%); the majority of the mortgages (53.65%) were never registered into the MERS System. Indeed, we were surprised to learn as our audit 7
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(See Exhibit C. Wells Fargo Bank Combined Total
178 158
275 233
17 1
27 2
48 9
108 13
16 87
27 98
of the Salem Deeds progressed, that even though they are founders and stockholders of MERS, JPMorgan Chase Bank, N.A., Wells Fargo Bank, N.A., and Bank of
America, N.A. do not register their own loans into the MERS System.
Second, it becomes obvious when viewing these statistics that the industrys preference when
assigning MERS registered mortgages is to transfer the mortgage only without a reference to the note. This
phenomenon occurred in our control group 98 out of 125 times (78.40%).
The practice of assigning a mortgage without referencing the note that it secures does not, in and
represent a change of agency directed by the note holder; or, the assignment may represent a re-joining of the note and mortgage when the assignee is the note holder.
Such assumptions, however, are misplaced these days in view of the foreclosure crisis and widespread reports of robo-signed documents that contain false statements, misrepresentations or omissions of material facts about who actually owns a particular note and mortgage. These facts suggest that homeowners are well-
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advised to investigate the situation, especially when there is empirical evidence that the note and mortgage have become separated. 8
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of itself, create a cloud on title. This could
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To summarize, the Court should be aware that we found 111 out of the 275 assignments in the control group (40.36%) assigned the mortgage only without referencing the note.
FORENSIC EXAMINATION OF LATENT TITLE DEFECTS
Eaton and Ibanez Type Defects are Pervasive
McDonnell Property Analytics audit of the Salem Deeds involved a forensic examination of 565
assignments relating to 473 mortgages that became part
these mortgages that had obviously been sold one or more times and found 287 of them which translates to a transparency rating of 60.68%.
In preparing to write this Supplemental Brief, I filtered the data and found that 233 of the 473
in the foreclosure process. This represents over fortynine percent (49%) of the study group and indicates that there is a direct correlation between the recording of an assignment of mortgage and the institution of a foreclosure action. Indeed, we often
notice (of foreclosure) were executed and recorded on
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the same day; and in many instances, the assignment was executed by an attorney at the law firm conducting the foreclosure. 9
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found that an assignment of mortgage and an order of
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properties we had already examined were at some stage
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of the study. We attempted to trace the ownership of
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To assist the Court in assessing the scale of what I refer to hereinafter as The Eaton Defect, where the assignee who brings the foreclosure action is not the owner of the note, I prepared an exhibit that illustrates what we found and I quantify the occurrences in Table 2 below. Eaton Defect)
(See Exhibit D. - The
In addition, I draw from the amicus briefs I
submitted to the Massachusetts Land Court and to the
Massachusetts Supreme Judicial Court in the matters of
U.S. Bank National Association v. Ibanez, and Wells Fargo Bank, N.A. v. LaRace, 458 Mass. 637 - Mass:
Supreme Judicial Court 2011. There, I explained that
defective for a number of reasons, but principally, because they purport to assign the notes and mortgages from the loan originator directly to the trustee for the securitization trust. This arrangement is a prohibited act under the governing documents which mandate that a special purpose entity known as the
depositor must be the one to convey the notes and

mortgages, together with the collateral file, to the
trustee or a document custodian acting on behalf of the trustee. This structure was designed by Wall Street
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investment banks and serves as the model for the vast majority of securitizations I have analyzed over the past twelve years. 10
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the assignments of the Ibanez and LaRace mortgages were
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In what has become common parlance among those investigating these securitization failures (including the Securities and Exchange Commission and the
Department of Justice), we refer to this type of
transfer as an A to D assignment because it skips over parties B and C and creates a wild deed (especially in title theory states such as
Massachusetts). In Table 2 below, I quantify the A to D assignment problem found in the control group and refer to it hereinafter as The Ibanez Defect. To further illustrate the A to D assignment sham, I resubmit the annotated assignments and securitization
flow charts that I presented to the Court in the Ibanez
Defect)
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and LaRace amicus briefs.
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(See Exhibit E. - The Ibanez
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Table 2: Latent Defects Belying Title Documents

Category JPMorgan Chase Bank Bank of America Wells Fargo Bank Combined Total
Number of Assignments Reviewed Holder Matches Level of Transparency Using Forensics
33 20 60.61%
81.25%
The Eaton Defect
Assignee is Not the Note Owner Latent Defect as a % of Holder Match
11 55.00%
50.00%
The Ibanez Defect
A to D Assignment Sham Latent Defect as a % of Holder Match
7 35.00%
Latent Defects Total
Latent Defects Belying Title Documents Latent Defect as a % of Holder Match
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18 52 90.00% 100.00%
50.00%
The Latent Defects Total in Table 2 relates to the population of assignments measured against the
more assignments than properties in the control group,
that if the first assignment appeared to be valid, but subsequent assignments were invalid, the chain of title was corrupted. Of course, this forensics cloud 2 in
required our expertise to unearth.
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I coined the term forensics cloud to indicate where an assignment of mortgage that was recorded in the registry of deeds in order to bring a foreclosure action identifies the mortgagee as someone other than the party who claims to own the mortgage loan as revealed through our forensic examination. 12
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the chain of title is not visible to the naked eye and
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multiple assignments impacted certain properties so
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mortgages we were able to trace. Since there were 42
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64 178 275 52 117 189 65.73% 68.73% 26 58 95 49.57% 50.26% 26 47 96 48.72% 50.79% 121 103.42% 191 101.06%
A careful review of the raw data contained in Exhibit F reveals that every single property in foreclosure, without exception (100.00%), was impacted by either The Eaton Defect (denoted by the term
Forensics Cloud) or the Ibanez Defect (denoted by the reference A to D). Defects) (See Exhibit F. - Latent
A number of important observations can be drawn from our findings:
4. The patterns and practices are so explicit, well defined, and uniform that the servicers and foreclosure mills executing these maneuvers move in lock step with the precision of a marching army. 5. JPMorgan Chase Bank, N.A., Wells and Bank of America, N.A. do not own loans into the MERS System; MERS, they do not record interim the registries of deeds.
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3. The assignment of mortgage is the breeder document from which all other paperwork necessary to bring the foreclosure action; notice the sale; obtain judgment; and transfer title depends.
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2. That assignment of mortgage is facially valid, but when examined under the microscope by a Certified Fraud Examiner is seen to contain false statements, misrepresentations, and omissions of material facts in order to deceive the public and the courts into thinking that the assignee has the legal right to enforce the note and bring the foreclosure action.
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6. With respect to assignments that contain The Eaton Defect it is apparent that the banks, mortgage servicing companies, third-party 13
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1. Unless a community bank is foreclosing on a portfolio loan, the commencement of a foreclosure action begins with the execution and recordation of an assignment of mortgage in the registry of deeds or land court registry.
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Fargo Bank, N.A., register their moreover, like assignments in
7. With respect to mortgage loans that have been securitized, every assignment of mortgage skips interim assignees (The Ibanez Defect) and creates a wild deed. CONCLUSION
In answer to the Courts first question, a
decision to uphold the long-standing rule of law by
requiring a unity of the mortgage and the underlying
real property in the Commonwealth.
McDonnell Property Analytics audit of the Salem Deeds proves that when valid assignments of mortgage are recorded in the public records, no cloud on title, facial or forensic, exists.
exist to mitigate the consequences of the Courts requiring unity of the note and mortgage, I address the practical considerations and leave the legal analysis to Henrietta Eatons fine attorneys who have filed a supplemental brief.
here in Massachusetts, and throughout the nation, shows
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that as the volume of foreclosure victims mounts into the tens of millions, fewer and fewer have the emotional, psychological, and financial wherewithal to 14
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The tortuous history of the foreclosure crisis
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With respect to what legal or practical measures
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promissory note it secures will not cloud the title to
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outsourcers and foreclosure mill attorneys who prepare, execute, and record these assignments intentionally conceal the identity of the owner of the note.
mount a defense. Thus, as a practical matter, the Courts fears of pandemonium erupting when it decides
With respect to whether or not the Courts
decision should be prospective only, it should not
absolve the reckless behavior, often criminal, on the part of those who operate on the principle that the
end justifies the means, especially where self-serving profit motives are concerned.
It is my hope that by putting the empirical
evidence before this Honorable Court, gathered over a six-month period as we audited the Essex County Southern District Registry of Deeds, that the Justices
truth of fact, and not hyperbole or fear-mongering. Respectfully submitted,
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Dated: January 30, 2012
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_____________________________ Marie McDonnell, President Mortgage Fraud and Forensic Analyst Certified Fraud Examiner, ACFE 888 Washington Street, Suite 101A Dedham, MA 02026 Tel. 877-545-5748 Ext. 702 Tel. 781-326-8486 Fax: 866-625-0211
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will be better equipped to render a decision based on
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Eaton should be assuaged.
EXHIBIT A
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AMICUS BRIEF OF MARIE MCDONNELL Henrietta Eaton v. Federal National Mortgage Association & another, No. SJC-11041
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Ex. 1
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Definition of Terms Protocols & Practical Applications
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EXAMINATION OF ASSIGNMENTS OF MORTGAGE CONDUCTED IN THE ESSEX SOUTHERN DISTRICT REGISTRY OF DEEDS
By Marie McDonnell, CFE
Protocols and Practical Applications for Classifying Assignments of Mortgage According to the Prescribed Definitions of Terms
VALID ASSIGNMENT OF MORTGAGE
Non-Foreclosure Situation
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Where the assignment is duly acknowledged in compliance with M.G.L. c. 183, s. 30, 33 and 41 as applicable. Where the originating lender appears to have continuously held the borrowers loan (note & mortgage) from the date of execution until the date the assignment is made as there are no subsequent assignments on record, and no forensic evidence of any prior transfer of the loan.
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Where there is no forensic evidence available suggesting there were any intervening transfer(s) by the Lender or Assignee of record who is executing the assignment at issue.
Foreclosure Situation
A party other than the originating Lender seeking to conduct a non-judicial foreclosure under the power of sale contained in a mortgage in Massachusetts must comply with the following:
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Where it can be established that the signer and the notary are persons duly authorized pursuant to M.G.L. c. 183 54B.
P.O. Box 2067 | Orleans | Massachusetts | 02653 McDonnell Property Analytics, Inc. All Rights Reserved
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Example: Barnes On 4/15/2010, Salem Five Mortgage Company, LLC assigns mortgage to JPMorgan Chase Bank, N.A. at settlement and immediately records it after the mortgage.
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A valid assignment is recognizable when the originating Lender lawfully assigns borrowers loan (note & mortgage) at or near origination.
Ex. 2
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www.mcdonnellanalytics.com
If challenged, the foreclosing entity must be able to prove that it has a complete, unbroken chain of title from the originating Lender together with valid documentation of all intervening Assignees.
Accordingly, if an assignment is being prepared in order to pass title into the foreclosing Mortgagee, the following must be true: The Assignor is the originating Lender or a lawful successor in interest, or became the Mortgagee through one or more valid Assignment(s) of Mortgage and the forensic evidence indicates that the Assignee is the current lawful owner of the note (and is in possession of the original thereof) or is silent. MISSING ASSIGNMENT OF MORTGAGE
A missing assignment may be detected where there is a skip or gap in the chain of title because the last known Lender/Mortgagee/Assignee is not the current owner or holder of the mortgage obligation as determined through forensic examination. 2. Example: Costa On 9/3/2010, Bank of America, N.A. as Lender assigns mortgage to BAC Home Loans Servicing, LP; research established that Fannie Mae owns the loan. Therefore, there is a Missing Assignment to Fannie Mae.
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The securitization model popularized over the past decade usually requires two (2) true sales to distance the originating Lender from the Issuing Entity in order to create a so-called bankruptcy remote transaction. This involves at least three (3) assignments of the mortgage in question. When there is an assignment from the originating Lender directly into the Trust, which is typically a prohibited act pursuant to virtually all Pooling and Servicing Agreements, there are usually at least three (3) Missing Assignments. (See Securitization Flow Chart)
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Ex. 3
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(See U.S. Bank National Association v. Ibanez, 458 Mass. 637 (2011); HSBC Bank USA, N.A. v. Haro, Suffolk County District Court, Chelsea Division, Case No. 201014SU000264, 6/15/2011; and Eaton v. Federal National Mortgage Association, Suffolk County Superior Court, Civil Action No. 11-1382, 6/17/2011)
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a.) The foreclosing party must be the lawful owner of the note; b.) The foreclosing party must be in possession of the original promissory note; c.) The foreclosing party must be the Mortgagee (as that term is defined by statute and under the common law) by way of a valid assignment(s) at the time the foreclosure sale is noticed (and at the time any sale is conducted) pursuant to M.G.L. c. 244 14.
a.) Wells Fargo Bank, N.A. to the Seller/Sponsor; b.) Seller/Sponsor to the Depositor/ and; c.) Depositor to U.S. Bank National Association as Trustee for Structured Asset Securities Corporation Trust 2005-WF2. QUESTIONABLE ASSIGNMENT OF MORTGAGE
A questionable assignment is one where bank failures and/or mergers & acquisitions make it nearly impossible to validate conveyances. 4. Example: Hodgkins On 9/16/2010, Bank of America, N.A. as S/B/M/T Fleet National Bank as S/B/M/T BayBank Middlesex assigns mortgage to JPMorgan Chase Bank, N.A. Example: Norris On 3/19/2010, Chase Home Finance LLC S/B/M to Chase Manhattan Mortgage Corp. A/I/F for Bank of America F/K/A Fleet National Bank F/K/A BankBoston NA SBM the First National Bank of Boston SBM Pioneer Financial, A Cooperative Bank Consolidated with Malden Co-Operative Bank assigns mortgage to JPMorgan Chase Bank, N.A. Successor in Interest from Federal Deposit Insurance Corporation as Receiver for Washington Mutual Bank, FA.
5.
Where the mortgage is being assigned years after a discharge in an attempt to correct a skip or gap in the chain of title. 6. Example: Beck On 10/22/1998, Beck granted a Mortgage to Homeside Lending. Inc.; Mortgage Electronic Registration Systems, Inc. discharged the mortgage on 5/30/2003. Six (6) years later, on July 23, 2009, Wells Fargo Bank, N.A. successor by merger to Wells Fargo Home Mortgage, Inc. as Attorney in Fact for U.S. Bank National Association as successor Trustee to Wachovia Bank, N.A. f/k/a First Union National Bank, as Trust Administer assigns the mortgage to Mortgage Electronic Registration Systems, Inc.
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Where the Assignment is suspected to be invalid because of a preponderance of evidence gathered involving the parties to the transfer.
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Ex. 4
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3.
Example: Clain On 10/26/2010, Wells Fargo Bank, N.A. assigns mortgage directly to U.S. Bank National Association as Trustee for Structured Asset Securities Corporation Trust 2005-WF2. Under the stated terms of the Pooling and Service Agreement to the Trust therefore, there are three (3) obviously Missing Assignments:
Non-Foreclosure Situation
An invalid assignment results, for example, when the originating Lender purports to assign the note and mortgage directly to the Issuing Entity of a securitized trust. Such a transfer violates the Pooling and Servicing Agreement governing the trust, New York Trust and other New York state laws, as well as I.R.S. REMIC rules and is, therefore, presumptively invalid. Where an assignment from Mortgage Electronic Registration Systems, Inc. fails to identify the Principal Member who is purporting to assign the mortgage, there is no grant from a person who can be confirmed as an authorized signer pursuant to M.G.L. c. 183 54B and therefore, the assignment is presumptively invalid.
Moreover, an assignment from MERS conveys only the agency status that MERS has established in the mortgage whereby it has limited powers to act solely as nominee for the Lender and for the Lenders successors and assigns. See (Agard; BONY v. Silverberg)
Where the Execution Date on the assignment and Notary Date are not the same.
Foreclosure Situation
A party other than the originating Lender seeking to conduct a non-judicial foreclosure under the power of sale contained in a mortgage in Massachusetts must comply with the following: a.) The foreclosing party must be the lawful owner of the note; b.) The foreclosing party must be in possession of the original promissory note; c.) The foreclosing party must be the Mortgagee (as that term is defined by statute and under the common law) by way of a valid assignment(s) at the time the foreclosure sale is noticed (and at the time any sale is conducted) pursuant to M.G.L. c. 244 14.
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If challenged, the foreclosing entity must be able to prove that it has a complete, unbroken chain of title from the originating Lender together with valid documentation of all intervening Assignees.
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Where a Surrogate-Signer executes the assignment there may be forgery, uttering, and notary fraud.
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Where a known Robo-Signer executes the assignment without proper authority or personal knowledge of the documents contents and legal effect.
Ex. 5
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INVALID ASSIGNMENT OF MORTGAGE
An assignment executed by a purported MERS Certifying Officer that attempts to convey the mortgage from MERS to the foreclosing entity is typically ineffective and invalid for the reasons stated above. An assignment from MERS is limited by the agency status contained in the mortgage between MERS and its principal whereby MERS has limited power(s) to act solely as nominee for the originating Lender and for the Lenders successors and assigns.1
Assignments of Bid post-foreclosure are considered invalid when analysis determines that the foreclosing entity was not the legal owner of the note and mortgage at the time the foreclosure took place. 7.
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MERS unilateral statement that it is the mortgagee under a typical MERS mortgage does not automatically confer the legal status of a mortgagee upon MERS simply because the document states so.
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Example: Odolomerun On 12/13/2004, Bank of America originated the loan and sold it to Fannie Mae. According to Fannie Maes Selling and Servicing Guide, this conveyance required Bank of America to prepare, execute and deliver an Assignment of Mortgage to Fannie Mae, but not record same. On 4/9/2010, Bank of America filed a Complaint to Foreclose Mortgage in the Massachusetts Land Court and obtained a judgment on 9/15/2010. The following day, 9/16/2010,
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Where the assignment is being prepared by the Loan Servicer or a Foreclosing Law Firm to prosecute a non-judicial foreclosure and where forensic analysis establishes that the Assignor is not the current owner (i.e., the assignment appears to contain false statements or representations), it is considered invalid. In such cases, the Assignor lacks ownership and/or authority to assign the mortgage; moreover, recorded assignments that contain false statements are considered forgeries and utterings in Massachusetts.
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An assignment from MERS as nominee for the Lender or the Lenders successors and assigns that fails to validly assign the mortgage to the current note holder will not comport with the requirement that the note and mortgage be held in the same ownership by the foreclosing entity. Accordingly, the Assignee will not have the legal authority to foreclose the mortgage non-judicially and the assignment will be considered invalid when used for that purpose.
Ex. 6
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(See U.S. Bank National Association v. Ibanez, 458 Mass. 637 (2011); HSBC Bank USA, N.A. v. Haro, Suffolk County District Court, Chelsea Division, Case No. 201014SU000264, 6/15/2011; and Eaton v. Federal National Mortgage Association, Suffolk County Superior Court, Civil Action No. 11-1382, 6/17/2011)
FRAUDULENT ASSIGNMENT OF MORTGAGE
An invalid assignment may be determined to be a fraudulent assignment where pattern and practice evidence exists that the party executing the assignment does so knowingly and willfully with intent to deceive. 8.
9.
CRIMINALLY FRAUDULENT ASSIGNMENT A fraudulent assignment may become criminally fraudulent when it violates the Massachusetts Residential Mortgage Fraud statute, M.G.L. c. 266 35(A)(b)(4) and was recorded on the public land records on or after August 7, 2010.
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Example: McGrath On 10/6/2010, Andrew S. Harmon of Harmon Law Offices, P.C., acting as an attorney as well as a purported MERS Certifying Officer, prepared, executed, and caused to be recorded an Assignment of Mortgage from Mortgage Electronic Registration Systems, Inc. to Wells Fargo Bank, N.A. Forensics established however that Fannie Mae is the current owner of the mortgage obligation.
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10.
Example: Green On 8/6/2010, Andrew S. Harmon, a known principal and attorney at Harmon Law Offices, PC, acting as an attorney as well as a purported MERS Certifying Officer, prepared, executed, and caused to be recorded an Assignment of Mortgage from Mortgage Electronic Registration Systems, Inc. to Wells Fargo Bank, N.A. Forensics established however that Fannie Mae is the current owner of the mortgage obligation.
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Example: Griffin On 1/7/2010, Andrew S. Harmon, a known principal and attorney at Harmon Law Offices, PC, acting as an attorney as well as a purported MERS Certifying Officer, prepared, executed, and caused to be recorded on the public land records an Assignment of Mortgage from Mortgage Electronic Registration Systems, Inc. to Wells Fargo Bank, N.A. Forensics established however that Fannie Mae is the current owner of the mortgage obligation.
Ex. 7
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Example: Berger On 11/28/2008, Andrew S. Harmon, a known principal and attorney at Harmon Law Offices, PC, acting as an attorney as well as a purported MERS Certifying Officer, prepared, executed, and caused to be recorded on the public land records an Assignment of Mortgage from Mortgage Electronic Registration Systems, Inc. to Wells Fargo Bank, N.A. Forensics established however that Fannie Mae is the current owner of the mortgage obligation.
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Bank of America assigned the bid to Federal National Mortgage Association (Fannie Mae), the real party in interest.
Forgery:
G.L. c. 267, s. 1 states:
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Whoever, with intent to injure or defraud, falsely makes, alters, forges or counterfeits a public record, or a certificate, return or attestation of a clerk or register of a court, public register, notary public, justice of the peace, town clerk or any other public officer, in relation to a matter wherein such certificate, return or attestation may be received as legal proof; or a charter, deed, will, testament, bond or writing obligatory, power of attorney, policy of insurance, bill of lading, bill of exchange or promissory note; or an order, acquittance or discharge for money or other property or a credit card or an instrument described as a United States Dollar Traveller's Check or Cheque, purchased from a bank or other financially responsible institution, the purpose of which is a source of ready money on cashing the instrument without identification other than the signature of the purchaser; or an acceptance of a bill of exchange, or an endorsement or assignment of a bill of exchange or promissory note for the payment of money; or an accountable receipt for money, goods or other property; or a stock certificate, or any evidence or muniment of title to property; or a certificate of title, duplicate certificate of title, certificate issued in place of a duplicate certificate, the registration book, entry book, or any indexes provided for by chapter one hundred and eighty-five, or the docket of the recorder; shall be punished by imprisonment in the state prison for not more than ten years or in jail for not more than two years.
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Falsely making document(s) and/or instrument(s) with knowledge that such document(s) and/or instrument(s) have been executed with an intent to injure or defraud is a crime in Massachusetts typically reviewed under the forgery statute at G.L. c. 267, s. 1.
Ex. 8
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A fraudulent assignment of mortgage may also become criminally fraudulent when it violates at least one of several Massachusetts laws related to the preparation and/or the preparation and then recordation on the public land records of various legal documents associated with mortgages (in this context):
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12.
Example: Miller On 10/12/2010, Robo-signer Tom Croft of Carrington Mortgage Services, LLC as attorney in fact for New Century Mortgage Corporation executed and caused to be recorded an Assignment of Mortgage from New Century Mortgage Corporation to Wells Fargo Bank, N.A. as Trustee for Carrington Mortgage Loan Trust, Series 2006-NC4. New Century has been in a liquidation bankruptcy since 2007 and had divested itself of its loans years before. The Miller loan had to be conveyed into the subject trust within 90 days of when the deal closed in 2006.
[fn6] To make out its case on forgery, the Commonwealth must prove that the defendant falsely made all or part of a document with the intent to defraud. G.L. c. 267, 1. Commonwealth v. Apalakis, 396 Mass. 292, 295-296 (1985) . . . . [fn7] See Model Penal Code 224.1 (1980) ("A person is guilty of forgery if . . . the actor: (a) alters any writing of another without his authority; or (b) makes . . . any writing so that it purports to be the writing of another who did not authorize the act") (emphasis supplied); 18 Pa. Cons. Stat. 4101 (2001); State v. Mason, 79 Haw. 175, 180 (Ct. App. 1995); People v. Piening, 99 A.D.2d 583, 584 (N.Y. 1984); Lewis v. Commonwealth, 213 Va. 156 (1972). See also Owen v. People, 118 Colo. 415, 421 (1948), and cases cited.
The phrase falsely makes was examined in the case of Commonwealth v. Apalakis, 396 Mass. 292 (1985) and found to be essentially synonymous with forgery. Accordingly, forgery is the false making or material alteration of a written instrument with the intent to injure or defraud. Commonwealth v. Apalakis, supra at 298. The focus for forgery is upon the false making of the document(s) and/or instrument(s), not their publication. It is not necessary to show that anyone actually was defrauded. Commonwealth v. Analetto, 326 Mass. 115, 118 (1950). One who falsely makes a written instrument with the requisite intent to injure or defraud, even if they never show that document(s) and/or instrument(s) to another, is guilty of forgery. Uttering:
Where document(s) and/or instrument(s) have been fraudulently or falsely made and are thereafter published (i.e. recorded or registered on the public land records), the crime of uttering has been committed and may be punished under G.L. c. 267, s. 5.
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Whoever, with intent to injure or defraud, utters and publishes as true a false, forged or altered record, deed, instrument or other writing mentioned in the four preceding sections, knowing the same to be false, forged or altered, shall be punished by imprisonment in the state prison for not more than ten years or in jail for not more than two years. The crime of uttering punishes the publication, with intent to injure or defraud, of an instrument known to be forged. Commonwealth v. Levin, 11 Mass. App. Ct. 482, 496-97 (1981).
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G.L. c. 267, s. 5 states:
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Ex. 9
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Interpreting G.L. c. 267, s. 1, Commonwealth v. OConnell, 55 Mass. App. Ct. 100 (2002) states:
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Ex. 10
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Robo-signed document(s) and/or instrument(s) are forgeries under Massachusetts law where the document(s) and/or instrument(s) were knowingly executed by someone other than the individual whose name is stated on the document(s) and/or instrument(s). The recording of such document(s) and/or instrument(s) on the public land records where the intent can only be to injure or defraud by recording such forged document(s) and/or instrument(s) for the purposes of attempting to induce reliance on what the document(s) and/or instrument(s) state, is uttering.
EXHIBIT B
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Ex. 11
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Chain of Title
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JPMORGAN CHASE FORECLOSURE FORENSICS

Essex Southern District Registry of Deeds
Assignments of Mortgage Recorded in 2010
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ADDRESS CITY LENDER ASSIGNMENT DATE TITLE CLOUD ASSIGNOR Danvers Peabody Lynn Mortgage Lenders Network USA, Inc. Mortgage Lenders Network USA, Inc. Mortgage Lenders Network USA, Inc. JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. 3/10/2010 7/20/2010 8/18/2010 7/21/2000 11/17/2009 5/25/2010 MERS 3/15/2010 3/10/2010 3/9/2010 MERS MERS TITLE CLOUD JPMorgan Chase Bank, N.A. 3/24/2010 3/24/2010 1/5/2010 1/5/2010 6/18/2003 Mortgage Lenders Network USA, Inc. JPMorgan Chase Bank, N.A. as Trustee JPMorgan Chase Bank, N.A. as Trustee JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. WMC Mortgage Corp. JPMC as Successor Trustee, WMC 1998-B Mortgage Electronic Registration Systems, Inc. JPMorgan Chase Bank, N.A. Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. Union Trust Mortgage Corporation Regions Bank d/b/a Regions Mortgage Inc. JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. 3/15/2010 JPMorgan Chase Bank, N.A. 1/28/2010 JPMorgan Chase Bank, N.A. 2/18/2010 Mortgage Lenders Network USA, Inc. 1/29/2003 Mortgage Lenders Network USA, Inc. JPMorgan Chase Bank, N.A. 2/19/2010 JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. 7/15/2010 JPMorgan Chase Bank, N.A. Lynn Lynn Lynn Boxford Boxford Peabody Peabody JPMorgan Chase Bank, N.A. Beverly WMC Mortgage Corp.
6 Rainbow Terrace
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Peabody WMC Mortgage Corp. Peabody Haverhill Peabody Rockport Peabody Merrimac Merrimac Merrimac Lynn Salisbury Newburyport Amesbury Swampscott Haverhill Haverhill Ipswich Haverhill Lynn Gloucester Lynn Boxford Chase Bank USA, N.A. Chase Bank USA, N.A. Consumer Home Mortgage Corporation Of America Chase Bank USA, N.A. Chase Manhattan Mortgage Corporation JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. Chase Bank USA, N.A. JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. Union Trust Mortgage Corporation Union Trust Mortgage Corporation 2/21/2008 Union Trust Mortgage Corporation 6/20/2003 Union Trust Mortgage Corporation Mortgage Financial Services, Inc. JPMorgan Chase Bank, N.A. VIP Mortgage Corporation
55 Harris Street
501 Summer Street
792 Western Avenue
501 Summer Street
792 Western Avenue
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5/11/2010 2/4/2010
7 Lilly Pond Road
7 Lilly Pond Road
21 Oak Leaf Way, Unit # 21
10
11
41 Rowell Avenue
12
256 Lynnfield Street
13
14
73 Columbia Park
15
124 Winona Street
16
68 High Street
17
65 Newcastle Road
18
34 West Shore Road
JPMORGAN CHASE - ANALYSIS
Ex. 12
19
34 West Shore Road
20
34 West Shore Road
21
150-154 Lynn way, Unit 302-11
22
67 Pike Street
23
14 Jackson Street
24
29 Hope Drive, Unit 48-2
JPMorgan Chase Bank, N.A. 8/9/2010
25
15 Currier Court
26
22 North Broadway
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5/28/2009 8/13/2010 7/23/2009 6/9/2010 2/12/2010 8/19/2010 11/16/2009 2/12/2010 TITLE CLOUD: MERS:
JPMorgan Chase Bank, N.A.
Chase Bank USA, N.A.
27
22 North Broadway
28
4 Kinsman Court
29
111 Primrose Street
30
15 French Street
31
11 Macomber Road
Chase Home Finance, LLC
32
22 Walden Street
33
43 Andrews Farm Road
33
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1 3.03% 3 1/30/2012 McDonnell Property Analytics, Inc., All Rights Reserved
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Page 1 of 3
BANK OF AMERICA FORECLOSURE FORENSICS

Essex Southern District Registry of Deed
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CITY LENDER ASSIGNMENT DATE TITLE CLOUD ASSIGNOR Lynn MERS Washington Mutual Bank, FA 11/23/2009 2/11/2010 7/9/2010 9/7/2010 2/11/2010 10/25/2010 6/15/2009 MERS 5/3/2010 6/4/1999 8/30/2010 6/5/2010 8/30/2010 5/25/2010 5/25/2010 MERS 1/13/2010 Meritage Mortgage 7/13/2010 Mortgage Electronic Registration Systems, Inc. JPMorgan/Washington Mutual/FDIC H&R Block Mortgage Corporation ADA Services Corp f/k/a H&R Block Mortgage Corporation BOA/LaSalle/Merrill Lynch/Series 2006-OPT1 Bank of America, N.A. JPMorgan Chase as Purchaser of Washington Mutual Bank JPMorgan Chase as Purchaser of Washington Mutual Bank Mortgage Electronic Registration Systems, Inc. GMAC Mortgage, LLC Hunneman Mortgage Corporation BOA/LaSalle/Standard Federal Bank/CitiMortgage, Inc. JPMorgan Chase as Purchaser of Washington Mutual Bank Bank of America, N.A. JPMorgan as purchaser of Washington Mutual Bank Mortgage Electronic Registration Systems, Inc. Bank of America, N.A. JPMorgan Chase as Purchaser of Washington Mutual Bank Wells Fargo Bank, N.A. merger to Wells Fargo Home Mortgage, Inc. Banc of America Mortgage Capital Corporation 9/3/2010 Bank of America, N.A. 5/8/2010 Bank of America, N.A. 4/7/2010 MERS 10/21/2010 Mortgage Electronic Registration Systems, Inc. Sand Canyon Corporation f/k/a Option One Mortgage Corporation 11/11/2009 3/22/2010 4/15/2009 3/11/2010 2/23/2010 7/1/2010 4/28/2010 9/26/2005 11/16/2009 Fleet National Bank Encore Credit Corporation Wells Fargo Bank, N.A. Bank of America, N.A. Argent Mortgage Corporation, LLC Argent Mortgage Corporation, LLC 5/20/2010 7/12/2010 4/27/2010 9/16/2010 7/20/2006 1/3/2010 MERS JPMorgan Chase as Purchaser of Washington Mutual Bank Bank of America, N.A. MERS Mortgage Electronic Registration Systems, Inc. MERS Mortgage Electronic Registration Systems, Inc. MERS Mortgage Electronic Registration Systems, Inc. MERS MERS as Nominee for New Centry Mortgage Corporation Bank of America, N.A. Salem Five Mortgage Company, LLC MERS Mortgage Electronic Registration Systems, Inc. BOA/Fleet National Bank MERS Gloucester H&R Block Mortgage Corporation Danvers H&R Block Mortgage Corporation Danvers H&R Block Mortgage Corporation Danvers Bank of America, N.A. Lynn Washington Mutual Bank, FA Salem Rockport Ipswich Ipswich Beverly Beverly Middleton Lynn Beverly Saugus Haverhill Boxford Lynnfield Lynnfield Peabody Salem Lynn Groveland Beverly Beverly Salisbury Gloucester Peabody Peabody Haverhill Wenham Wenham Lynn Lynn Salem Lynn Saugus Saugus Aegis Lending Corporation New Century Mortgage Corporation New Century Mortgage Corporation Bank of America, N.A. Salem Five Mortgage Company, LLC Salem Five Mortgage Company, LLC First Magnus Corporation Washington Mutual Bank, FA Washington Mutual Bank, FA Option One Mortgage corporation Credit Suisse First Boston Financial Corporation Bank of America, N.A. Bank of America, N.A. Wells Fargo Bank, N.A. merger to Wells Fargo Home Mortgage, Inc. Wells Fargo Bank, N.A. merger to Wells Fargo Home Mortgage, Inc. Washington Mutual Bank, F.A. 5/21/2009 Bank of America, N.A. 6/29/2010 Green Point Mortgage Funding, Inc. Washington Mutual Bank, F.A. Bank of America, N.A. Washington Mutual Bank, F.A. Hunneman Mortgage Corporation Hunneman Mortgage Corporation HomeComings Financial, LLC fka HomeComings Financial Network, Inc. HomeComings Financial, LLC fka HomeComings Financial Network, Inc. Washington Mutual Bank, N.A.
ADDRESS
143 Hamilton Avenue
47 Witham Street, Unit B
74 Burley Street
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7/17/2009 8/10/2010
74 Burley Street
74 Burley Street
33 Mount Pleasant Street
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160 Lafayette Street, Unit 2
13 Whale Cove Road
10 Vermette Court, Unit 10-1
10
11
213 Brimbal Avenue
12
213 Brimbal Avenue
13
73 Locust Street
14
45 Tudor Street, Unit 5
15
73 Lothrop Street
16
27 Clinton Avenue
17
10 Farwood Drive, Unit 10
BOA - ANALYSIS
Ex. 13
1/30/2012 McDonnell Property Analytics, Inc., All Rights Reserved
18
151 Killam Hill Road
19
886 Salem Street
20
886 Salem Street
21
44 Sutton Street
22
10 Porter Street, Unit 5
23
17-19 Daniel Place
24
4 Byfield Road
25
886 Hale Street
26
886 Hale Street
27
154 Bridge Road
28
30 Prospect Street, Unit 1
29
2 Pumping Station Road
30
31
248-250 Franklin Street
32
194 Topsfield Road
33
194 Topsfield Road
34
8 Lafayette Park, Unit 7
35
15 Wentworth Place
Mortgage Electronic Registration Systems, Inc.
36
158 Bridge Street, Unit 2
37
94 Beacon Hill Avenue
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Wells Fargo Bank, N.A.
Bank of America, N.A. c/o BAC Home Loans Servicing, L.P. Argent Mortgage Company, LLC
38
579 Lincoln Avenue
39
579 Lincoln Avenue
Page 1 of 6

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CITY LENDER ASSIGNMENT DATE TITLE CLOUD ASSIGNOR Lynn Bank of America, N.A. 4/23/2010 MERS 4/4/2010 6/18/2010 9/21/2010 5/4/2010 MERS 10/13/2010 4/14/2010 1/4/2010 MERS 6/2/2010 10/13/2010 3/10/2010 8/18/2010 11/23/2010 5/3/2010 MERS 7/7/2010 Bank of America, N.A. 10/26/2009 Bank of America, N.A. Bank of America, N.A. Mortgage Electronic Registration Systems, Inc. Bank of America, N.A. Sand Canyon Corporation f/k/a Option One Mortgage Corporation Bank of America, N.A. MERS as nominee for American Brokers Conduit Bank of America, N.A. Bank of America, N.A. MERS as nominee for First Magnus Financial Corporation Bank of America, N.A. s/b/m to Countrywide Bank, FSB Bank of America, N.A. Bank of America, N.A. BOA/Fleet/Shawmut Arlington Trust Comp,fka Arlington Trust Comp. Wells Fargo Bank, N.A. Mortgage Electronic Registration Systems, Inc. Bank of America, N.A. Cambridgeport Bank Wells Fargo Bank, National Association S/B/M to WFHM MERS 1/27/2010 MERS 6/29/2009 MERS 9/27/2010 MERS as nominee for Amerihome Mortgage Company, LLC. MERS as nominee for Countrywide Home Loans, Inc. MERS as nominee for Pinnacle Direct Funding Corporation Bank of America, N.A. merger to Countrywide Bank, FSB 5/25/2010 Mortgage Solutions, Inc. 1/20/2011 MERS MERS as nominee for Countrywide Home Loans, Inc. Lynn Montgomery Mortgage Capital Corporation Lynn Bank of America, N.A. Lynn Mortgage Solutions, Inc. Lynn Bank of America, N.A. Danvers American Brokers Conduit Danvers Peabody Saugus Lynn Peabody Ipswich Lynn Middleton Topsfield Wenham Lynn Lynnfield Lynnfield Salem Haverhill Gloucester Gloucester Lynn Newburyport Countrywide Home Loans, Inc. Mortgage Solutions, Inc. Pinnacle Direct Funding Corporation Pinnacle Direct Funding Corporation Countrywide Home Loans, Inc. Amerihome Mortgage Company, LLC Cambridgeport Bank Cambridgeport Bank 6/9/2003 Bank of America, N.A. 7/9/2010 Wells Fargo Bank, N.A. 1-800-East-West Mortgage Company, Inc. Arlington Trust Company Bank of America, N.A. Bank of America, N.A. Countrywide Bank, FSB First Magnus Financial Corporation Bank of America, N.A. Bank of America, N.A.
ADDRESS
40
43 Groveland Street
41
43 Groveland Street
42
25 Ridge Avenue
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2/19/2010 2/13/2009
43
787 Summer Street
44
40 Phillips Avenue
45
26 Wildwood Drive
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TITLE CLOUD: MERS: 0
46
19 Prince Place
47
74 Lynnfield Street
48
214 Water Street
49
8 Lafayette Park, Unit 185-R
50
7 Fairmount Road
51
6 Periwinkle Lane
52
6 Jones Court
53
35 East Street
54
86 Howlett Street
55
7 Hilltop Drive
56
458-460 Eastern Avenue, Unit 1
BOA - ANALYSIS
Ex. 14
57
8 Shady Nook Lane
58
8 Shady Nook Lane
59
8 Raymond Road
60
32-34 Brock Road
61
16 Perkins Street
62
16 Perkins Street
63
40 Phillips Avenue
64
2 Doe Run Drive
64
0.00%
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Page 2 of 6
WELLS FARGO BANK FORECLOSURE FORENSICS

Assignment of Mortgage Recorded in 2010
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CITY LENDER ASSIGNMENT DATE TITLE CLOUD ASSIGNOR Amesbury Drew Mortgage Associates, Inc. VIP Mortgage Corporation 7/1/2010 3/5/2010 8/13/20210 5/13/2010 2/23/2010 11/28/2008 MERS MERS 6/24/2009 3/23/2010 1/14/2009 9/14/2010 10/8/2009 MERS MERS MERS MERS Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. Sand Canyon Corporation f/k/a Option One Mortgage Corporation American Home Mortgage Servicing, Inc. sii to Option One Mort. Corp Sand Canyon Corporation f/k/a Option One Mortgage Corporation Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. Wells Fargo Bank, N.A. MERS MERS as nominee for WMC Mortgage Corporation MERS Mortgage Electronic Registration Systems, Inc. The New York Mortgage Co., LLC Sand Canyon Corporation f/k/a Option One Mortgage Corporation Wells Fargo Bank, National Association s/b/m to WFHM 5/4/2010 MERS Mortgage Electronic Registration Systems, Inc. 1/6/2010 MERS 6/11/2010 6/1/2010 Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. New Century Mortgage Corporation Wells Fargo Bank, N.A. 6/18/2010 Wells Fargo Bank, N.A. Haverhill Groveland New Century Mortgage Corporation Haverhill Wells Fargo Bank, N.A. Lynn Wells Fargo Bank, N.A. Haverhill Wells Fargo Bank, N.A. Lynn Amesbury Salem Swampscott Newburyport Salisbury Salisbury Salem 7/16/2010 Lynn American Mortgage Network, Inc. DBA American Mortgage Network of MA, a DE Corp. Lynn Amesbury Peabody MERS Swampscott Lynn Middleton Haverhill Haverhill Lynn Marblehead Haverhill Haverhill Rowley Haverhill Lynn Lynn Haverhill Lynn Lynn Option One Mortgage Corporation Option One Mortgage Corporation Option One Mortgage Corporation Bank of America, N.A. GMAC Mortgage Corporation GMAC Mortgage Corporation Great East Mortgage, LLC Newburyport Salisbury Salem Haverhill Amesbury Lynn Great East Mortgage, LLC WMC Mortgage Corp. Option One Mortgage Corporation Plaza Home Mortgage, Inc. Wells Fargo Bank, N.A. First Franklin, A Division of Nat City Bank of IN Option One Mortgage Corporation 1-800-East-West Mortgage Company, Inc. 1-800-East-West Mortgage Company, Inc. WMC Mortgage Corp. Wells Fargo Home Mortgage, Inc. The New York Mortgage Co., LLC 7/8/2010 The New York Mortgage Co., LLC 5/15/2008 AmTrust Bank 3/16/2010 WMC Mortgage Corp. 5/5/2010 Rhode Island Corporation 10/26/2010 Mortgage Network, Inc. 3/29/2010 Ohio Savings Bank 7/16/2010 Mortgage Financial Services, Inc. 3/5/2010 VIP Mortgage Corporation Option One Mortgage Corporation Option One Mortgage Corporation Option One Mortgage Corporation Argent Mortgage Company, LLC Hunneman Mortgage Corporation Wells Fargo Bank, N.A.
ADDRESS
27 Senee Court, Unit 27
440 North Avenue, Unit 146
370 Center Street
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MERS 5/11/2010 6/16/2006 7/28/2010 9/23/2009 7/19/2010 8/24/2010 12/9/2010 7/29/2010 MERS MERS MERS 12/14/2009
1 Sterling Lane, Unit 1
38 Lowell Street
74 Primrose Street
St
16 Mount Hood Terrace, Unit 6
7 Birchwood Court, Unit 7-304
12 1/2 Boardman Street, Unit 2
10
89-91 Essex Street, Unit 1
11
16 Fox Run Drive
12
107 Cable Avenue
13
107 Cable Avenue
14
9 Forest Avenue, Unit 9
15
51 Autumn Street
16
99 Hurd Street
17
29 Middle Road
18
6 Earley Road
WELLS FARGO - ANALYSIS
Ex. 15
19
62 Thomas Road
20
56 Purdon Avenue
21
6 Kimber Avenue
22
14 Howard Street
23
14 Howard Street
24
25
2 Orne Street
26
284 Washington Street
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5/10/2010 7/2/2010 6/30/2010 3/23/2010 4/5/2010 5/7/2009 2/17/2010
27
28
98 Trowbridge Circle
Sand Canyon Corporation f/k/a Option One Mortgage Corporation Sand Canyon Corporation f/k/a Option One Mortgage Corporation Sand Canyon Corporation f/k/a Option One Mortgage Corporation Sand Canyon Corporation f/k/a Option One Mortgage Corporation Bank of America, N.A.
29
1-3 Ashworth Terrace, Unit 3
30
8 Pinkham Place
31
41 Rollins Avenue
32
171 East Broadway
33
87 Cottage Street
34
87 Cottage Street
35
126 Merrimac Street, Unit 54
Great East Mortgage, LLC
36
Wells Fargo Bank
37
6 Penniman Drive
MERS as Nominee for WMC Mortgage Corp.
38
63 Salem Street
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Sand Canyon Corporation f/k/a Option One Mortgage Corporation Mortgage Electronic Registration Systems, Inc. Wells Fargo Bank, N.A. Mortgage Electronic Registration Systems, Inc. c/o SPS
39
34 Gilbert Avenue
40
15 Rocky Hill Road
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Page 1 of 15
41
518 Boston Street, Unit 301

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CITY LENDER ASSIGNMENT DATE TITLE CLOUD ASSIGNOR Haverhill MERS MERS Mortgage Electronic Registration Systems, Inc. Sand Canyon Corporation f/k/a Option One Mortgage Corporation MERS Mortgage Electronic Registration Systems, Inc. Wells Fargo Bank, N.A./ Wells Fargo Home Mortgage, Inc. Wells Fargo Bank, N.A. Sand Canyon Corporation f/k/a Option One Mortgage Corporation MERS MERS MERS MERS Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. JPMorgan Chase/FDIC as reciever for Washington Mutual Bank (FA) Wells Fargo Bank, N.A. MERS Mortgage Electronic Registration Systems, Inc. Sand Canyon Corporation f/k/a Option One Mortgage Corporation Sand Canyon Corporation f/k/a Option One Mortgage Corporation MERS Mortgage Electronic Registration Systems, Inc. Argent Mortgage Company Mortgage Electronic Registration Systems, Inc. MERS MERS Mortgage Electronic Registration Systems, Inc. MERS Mortgage Electronic Registration Systems, Inc. Wells Fargo Bank, N.A. MERS Mortgage Electronic Registration Systems, Inc. Gateway Funding Diversified Mortgage Services, L.P. Option One Mortgage Corporation 3/24/2010 11/16/2010 9/27/2010 6/24/2010 8/6/2010 1/7/2010 3/18/2010 1/28/2010 3/18/2010 4/8/2010 4/7/2010 6/3/2010 6/10/2010 7/22/2010 8/2/2010 4/20/2010 Gateway Funding Diversified Mortgage Services, L.P. 2/10/2010 Mortgage Electronic Registration Systems, Inc. Haverhill Amesbury Mortgage Financial, Inc. Lynn Wells Fargo Home Mortgage, Inc. Peabody Wells Fargo Bank, N.A. Haverhill Option One Mortgage Corporation Lynn Salem Peabody Ipswich Haverhill Haverhill Marblehead Amesbury Salisbury Lynn Salem Lynn Lynn Haverhill Haverhill Hamilton Newburyport Haverhill Haverhill Lynn Peabody Danvers Saugus Haverhill Haverhill Haverhill Haverhill Haverhill Peabody Gloucester Lynn Lynn Marblehead Ipswich Gloucester Saugus Federal Credit Union Gibraltar Mortgage Capital Fund, LLC Gibraltar Mortgage Capital Fund, LLC Gibraltar Mortgage Capital Fund, LLC Gibraltar Mortgage Capital Fund, LLC Option One Mortgage Corporation Mortgage Network, Inc. SunTrust Mortgage, Inc. Decision One Mortgage Company Decision One Mortgage Company Washington Mutual Bank, FA First Magnus Financial Corporation First Call Mortgage Company, Inc. Mortgage Network, Inc. Wells Fargo Bank, N.A. AmTrust Bank New Century Mortgage Corporation Wells Fargo Bank, N.A. Mortgage Financial, Inc. 8/4/2010 Wells Fargo Bank, N.A. 5/6/2010 Fremont Investment & Loan 4/12/2010 Fremont Investment & Loan 7/2/2009 Ohio Savings Bank 5/13/2009 Argent Mortgage Company 6/1/2009 Union Federal Bank of Indianapolis Option One Mortgage Corporation Option One Mortgage Corporation Mortgage Financial Services, Inc. Wells Fargo Bank, N.A. Washington Mutual Bank, FA Mortgage Financial Services, Inc. Taylor, Bean & Whitaker Mortgage Corp. Mortgage Financial, Inc. Drew Mortgage Associates, Inc.
ADDRESS
42
12 Grant Street
43
12 Grant Street
44
427 Main Street
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1/18/2010
45
25 Beyer Place
46
156 Hesperus Avenue, Unit 4
47
64 Harrison Street
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12/3/2010 8/5/2010 MERS 6/11/2010 1/12/2010 5/13/2010 2/18/2010 5/3/2010 6/25/2010 6/25/2010 4/12/2010 10/6/2010 6/22/2009 8/26/2009 7/28/2010 7/29/2009 1/7/2010 11/3/2009 MERS MERS MERS MERS MERS MERS MERS
48
12 Spencer Street
49
6 Balcomb Street, Unit 1
50
7 Blair Terrace
51
8 Currier Park
52
39 Vine Street, Unit 3
53
116 Blaisdell Street
54
37 Front Street, Unit 2
55
26 Sanborn Terrace
56
12 Palis Drive
57
41 Merrill Avenue
58
177 North Street
59
12 Kimball Road
Ex. 16
60
198 Locust Street, Unit 1-206
61
193 River Street
62
193 River Street
63
34 Autumn Lane
64
48 Purchase Street, Unit 5
65
34 Came Avenue, Unit 34
66
9&1/2 Solitaire Drive
New Century Mortgage Corporation
67
131 Woodlawn Street
68
3 Ruth Avenue
69
19 West Street
70
11 Marr Road
71
9 Magnavista Drive
Gibraltar Mortgage Capital Fund, LLC
72
9 Magnavista Drive
Wells Fargo Bank, N.A. as Trustee for RMAC REMIC Trust, Series 2009-3 Turning Point Asset Management, LP
73
9 Magnavista Drive
74
9 Magnavista Drive
Creative Investment Solutions, LLC
75
19 Fernald Avenue
Sand Canyon Corporation f/k/a Option One Mortgage Corporation Mortgage Electronic Registration Systems, Inc.
76
2 Scribner Road
77
7 1/2-9 Williams Court
78
32 Elizabeth Street
79
32 Elizabeth Street
Fr au d. co
GMAC Mortgage, LLC
80
13 Cottage Street
JPMorgan/Washington Mutual/FDIC/FDIA, 12 U.S.C. 1821(d) Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc.
81
84 High Street
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Page 2 of 15
82
145 Essex Avenue, Unit 420

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CITY LENDER ASSIGNMENT DATE TITLE CLOUD ASSIGNOR Boxford Cambridge Mortgage Group, Inc. MERS Wells Fargo Home Mortgage, Inc. 4/27/2010 4/22/2010 6/9/2010 MERS 2/17/2010 7/13/2010 8/12/2002 6/4/2010 7/13/2010 7/25/2008 MERS 4/6/2010 3/31/2010 MERS 2/8/2010 2/17/2010 2/5/2010 Wells Fargo Bank, N.A. Sand Canyon Corporation f/k/a Option One Mortgage Corporation Mortgage Electronic Registration Systems, Inc. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. H&R Block Mortgage Corporation Sand Canyon Corporation f/k/a Option One Mortgage Corporation Wells Fargo Bank, N.A. Mortgage Electronic Registration Systems, Inc. Sand Canyon Corporation f/k/a Option One Mortgage Corporation Mortgage Electronic Registration Systems, Inc. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Sand Canyon Corporation f/k/a Option One Mortgage Corporation JPMorgan Chase/FDIC as reciever for Washington Mutual Bank (FA) Wells Fargo Bank, N.A. Option One Mortgage Corporation Wells Fargo/ACE Securities Corp. Home Equity Loan Trust, Series 2004-OP1 MERS Mortgage Electronic Registration Systems, Inc. 11/19/2010 1/7/2010 Mortgage Electronic Registration Systems, Inc. Wells Fargo Bank, N.A. s/b/m Wells Fargo Home Mortgage, Inc. Wells Fargo Home Mortgage, Inc. 2/18/2010 Wells Fargo Bank, N.A. s/b/m Wells Fargo Home Mortgage, Inc. Newburyport Gloucester Wells Fargo Bank, N.A. Salem Option One Mortgage Corporation Lynn VIP Mortgage Corporation Salisbury Wells Fargo Bank, N.A. Lynn Beverly Salem Salem Haverhill Wenham Middleton Lynn Beverly Hamilton Wells Fargo Bank, N.A. Option One Mortgage Corporation Washington Mutual Bank, FA Wells Fargo Bank, N.A. Option One Mortgage Corporation Option One Mortgage Corporation Guaranteed Rate, Inc. Option One Mortgage Corporation Ohio Savings Bank Union Trust Mortgage Corporation Wells Fargo Bank, N.A. The Cambridge Mortgage Group, Inc. Wells Fargo Bank, N.A. Wells Fargo Home Mortgage, Inc. Fremont Investment & Loan Option One Mortgage Corporation Wells Fargo Home Mortgage, Inc. Bridge Capital Corp. CTX Mortgage Company, LLC Wells Fargo Bank, N.A. Northshore Bank Union Trust Mortgage Corporation American Brokers Conduit American Home Mortgage MoneyOne Corporation 4/16/2010 6/14/2006 12/30/2009 2/27/2010 4/15/2010 Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. WMC Mortgage Corp. Option One Mortgage Corporation Taylor, Bean & Whitaker Mortgage Corp Wells Fargo Bank, N.A. H&R Block Mortgage Corporation H&R Block Mortgage Corporation Wells Fargo Bank, N.A.
ADDRESS
83
71 Townsend Farm Road
84
2A Noble Street, Unit 10
85
w. op Fo re
9/14/2010 4/6/2010
86
87
48 Friend Street
88
54 Congress Street
St
Lynn Peabody Haverhill Beverly Beverly Saugus Lynn Haverhill Beverly Swampscott Danvers Gloucester South Hamilton Lynn Rockport Lynn Lynn Lynn Rowley Peabody Salem Lynn Haverhill Lynn
89
10 Neptune Street Court
90
9 Russell Street
91
6 Cottage Street
92
6 Cottage Street
93
92 Lincolnshire Drive
94
78 Maple Street
95
67 Forest Street
96
8 Summer Street Place
97
116-128 Rantoul Street, Unit 109
98
258 Moulton Street
99
176-178 Webbacowitt Avenue, Unit 178 Lynn
100
34 Arvidson Road
Ex. 17
101
96 Birch Street
clo su re
5/21/2010 MERS 10/27/2010 MERS 3/24/2010 1/11/2010 12/21/2010 7/27/2010 3/4/2010 6/10/2010 11/29/2010 9/30/2010 11/24/2009 4/30/2010 7/15/2010 10/28/2010 6/18/2010 7/23/2010 3/31/2005 MERS MERS MERS MERS MERS MERS MERS
102
11 Kimball Street
103
6 Chestnut Street, Unit 1
104
105
5 Emory Court
106
22 Perley Street
Sand Canyon Corporation f/k/a Option One Mortgage Corporation Mortgage Electronic Registration Systems, Inc.
107
5 Apple Street
108
18-20 Railroad Avenue
109
79 Eastman Avenue
110
110 Burley Street
111
18 Fair Street
112
14 Gail Avenue
Wells Fargo Bank, N.A. merger to Wells Fargo Home Mortgage, Inc. Mortgage Electronic Registration Systems, Inc.
113
176-178 Myrtle Street, Unit B
114
6 Hodgkins Road
Sand Canyon Corporation f/k/a Option One Mortgage Corporation Wells Fargo Bank, N.A. as sbm to Wells Fargo Home Mortgage, Inc. Mortgage Electronic Registration Systems, Inc.
115
35 Tudor Street, Unit 4F
116
773-775 Summer Street
117
29 Williams Avenue
118
20 Lawerance Road, Unit 14
119
42 Herrick Road
120
51-71 Lafayette Street, Unit 401
Fr au d. co
121
11 Ainsworth Place, Unit 2
Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. MoneyOne Corporation
122
49 Myron Road
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123
45 Cottage Street, Unit 1

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CITY LENDER ASSIGNMENT DATE TITLE CLOUD ASSIGNOR Lynn Provident Funding Group, Inc. MERS MERS MERS MERS MERS MERS MERS MERS MERS MERS
Sunset Mortgage Company D/B/A SMCPA Mortgage Company
ADDRESS
124 Haverhill 10/5/2010 1/18/2010 8/16/2010 3/8/2010 7/26/2010 7/16/2010 7/1/2010 11/2/2009 2/9/2010 6/7/2010 5/7/2010 5/4/2010 MERS MERS 8/4/2010 9/16/2005 6/9/2010 MERS 1/8/2010 Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc.
MoneyOne Corporation
7/20/2010
Washington Mutual Bank f/k/a Washington Mutual Bank, F.A.
125 Haverhill CTX Mortgage Company LLC
675 Primrose Street
126 Haverhill 1st Mariner Bank
824 Broadway Street
w.
MERS as Nominee for CTX Mortgage Company LLC Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. Wells Fargo Bank, N.A. Washington Mutual Bank f/k/a WMB, F.A. SII to Homeside Lending, Inc. Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. NE Moves Mortgage Corporation Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. MERS MERS Mortgage Electronic Registration Systems, Inc. MERS Mortgage Electronic Registration Systems, Inc. MERS Mortgage Electronic Registration Systems, Inc. MERS Mortgage Electronic Registration Systems, Inc. MERS Danvers NE Moves Mortgage, LLC Amesbury Superior Mortgage Corp. Boxford (Haverhill) Danvers Gloucester Amesbury Beverly Swampscott Peabody Newburyport Newbury Rockport Beverly Rockport MERS West Newbury Haverhill Haverhill Haverhill Danvers Byfield (Newbury) Beverly Haverhill Lynn Lynn Haverhill Groveland Georgetown Lynnfield Lynnfield Beverly Danvers Lynn Haverhill Lynn Haverhill Peabody Swampscott Merrimack Mortgage Corp, Inc. Taylor, Bean & Whitaker Mortgage Corp Franklin American Mortgage Company Cambridgeport Bank Cambridgeport Bank Mortgage Financial, Inc. Mortgage Network, Inc. North Shore Mortgage, Inc. E*Trade Mortgage Corporation Limited Liability Company First Magnus Financial Corporation Wachovia Mortgage Corporation Sovereign Bank Mortgage Financial, Inc. Wells Fargo Bank, N.A. Quik Fund, Inc. Mortgage Network, Inc. The Cambridge Mortgage Group, Inc. Terrace Mortgage Company 7/1/2010 SunTrust Mortgage, Inc. 7/22/2010 Limited Liability Company 7/12/2010 Premium Capital Funding, LLC d/b/a Topdot Mortgage 5/12/2010 New Fed Mortgage Corporation 1/4/2010 NE Moves Mortgage Corporation 7/29/2010 Mortgage Financial, Inc. NE Moves Mortgage Corporation Advahome, LLC Superior Mortgage Corp. Merrimack Mortgage Company, Inc. Wells Fargo Bank, N.A. First Magnus Financial Corporation Access National Mortgage NE Moves Mortgage Corporation American Brokers Conduit
127
140 Old Ferry Road, Unit F
128
35 Collins Street, Unit 54
129
184 Main Street
St op Fo re
7/2/2010
130
11-11 1/2 South Summer Street
131
7 Cross Street
132
54 Summer Street, Unit 1
133
134
55 Essex Street
135
41 Fairview Avenue
136
8 Home Street
137
25 Milk Street
138
8 51st Street
139
212 Granite Street
140
12 Dartmouth Street
141
212 Granite Street
Ex. 18
142
24 Baileys Lane
clo su re
3/12/2010 MERS 8/11/2010 MERS 1/13/2010 4/23/2010 11/2/2010 7/29/2010 8/18/2010 6/9/2003 2/19/2010 2/3/2010 8/20/2010 8/4/2010 5/13/2010 4/6/2010 4/19/2010 11/12/2009 7/13/2010 MERS MERS MERS MERS MERS MERS MERS MERS MERS MERS MERS MERS
143
65 Harrison Street
144
78 Washington Avenue, Unit 2
145
79 Blossom Street
146
15 Merrill Street
147
80 Main Street
148
180 Bridge Street
149
12 Oliver Street, Unit 12F
150
43-45 Sanderson Avenue, Unit 4
151
152
14-16 Washington Street, Unit 4
153
15 Cannon Hill Road Extension
154
1 Larch Road
Mortgage Electronic Registration Systems, Inc. as nominee for Franklin Cambridgeport Bank
155
8 Shady Nook Lane
156
8 Shady Nook Lane
Wells Fargo Bank, N.A./ Wells Fargo Home Mortgage, Inc. Mortgage Electronic Registration Systems, Inc.
157
53 Chase Street
158
19 West Street
159
91 Timson Street
160
16 Damon Avenue
161
307 Parkland Avenue
Fr au d. co
162
818 Amesbury Road
Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc.
163
25 Winter Street
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Page 4 of 15
164
2 Higgins Terrace

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CITY LENDER ASSIGNMENT DATE TITLE CLOUD ASSIGNOR Lynn MERS MERS MERS MERS Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. NE Moves Mortgage Corporation MERS TITLE CLOUD TITLE CLOUD TITLE CLOUD TITLE CLOUD TITLE CLOUD MERS MERS MERS Mortgage Electronic Registration Systems, Inc. Wells Fargo Bank, N.A. as Trustee for the RMAC REMIC Trust Series 2009-4 Wells Fargo Bank, N.A. as Trustee for the RMAC REMIC Trust Series 2009-4 Turning Point Asset Management, LP Creative Investment Solutions, LLC Wells Fargo Bank, N.A. as trustee of RMAC REMIC Trust 2009-4 Mortgage Electronic Registration Systems, Inc. Mortgage Electronic Registration Systems, Inc. MERS as Nominee for Franklin American Mortgage Company Gateway Funding Diversified Mortgage Services, LP Gateway Funding Diversified Mortgage Services, LP 10/28/2010 4/30/2004 6/9/2010 4/27/2010 5/4/2010 6/25/2010 6/25/2010 7/27/2010 9/24/2010 5/18/2010 10/21/2010 5/18/2010 7/29/2010 Continental Home Loans, Inc. 10/28/2010 Mortgage Electronic Registration Systems, Inc. Haverhill Haverhill Franklin First Financial, LTD Saugus NE Moves Mortgage Corporation Amesbury NE Moves Mortgage Corporation Amesbury Decision One Mortgage Company, LLC Peabody Peabody Peabody Peabody Peabody Peabody Saugus Haverhill Franklin American Mortgage Company Patriot Funding, LP Oxford Lending Group, LLC Decision One Mortgage Company, LLC Decision One Mortgage Company, LLC Decision One Mortgage Company, LLC Decision One Mortgage Company, LLC
ADDRESS
165
17-19 Smith Street
166
174 Pilgrim Road, Unit 174
167
40 Wainwright Avenue
w. op Fo re
TITLE CLOUD: 1 0.56% 92
168
234 Essex Street
169
63 Lake Attitash Road
170
St clo su re
MERS:
171
2 Fountain Street
172
2 Fountain Street
173
2 Fountain Street
174
2 Fountain Street
175
2 Fountain Street
176
44 Home Street
177
28 Denver Street
178
96 Faiwood Drive, Unit 96
Ex. 19
178
Fr au d. co
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Page 5 of 15
EXHIBIT C
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w.
St
op Fo
re
clo
Ex. 20
su re
Classification of Assignments of Mortgage
Fr au d. co

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ADDRESS CITY FORECLOSING LAW OFFICE FORECLOSURE NOTE & MORTGAGE ASSIGNED MORTGAGEONLY ASSIGNED MERS REGISTERED YES YES YES YES YES YES YES BID YES YES YES YES YES YES YES BID YES YES YES YES YES YES YES MOM MOM MOM Danvers Peabody Lynn ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE (4) ORDER OF NOTICE (4) ASSIGNMENT HARMON LAW OFFICES ORDER OF NOTICE HARMON LAW OFFICES ORDER OF NOTICE & FORECLOSURE DEED HARMON LAW OFFICES ORDER OF NOTICE: 9/22/2010 Lynn HARMON LAW OFFICES Lynn HARMON LAW OFFICES Lynn HARMON LAW OFFICES Boxford HARMON LAW OFFICES Boxford HARMON LAW OFFICES Peabody HARMON LAW OFFICES Peabody HARMON LAW OFFICES Beverly HARMON LAW OFFICES
6 Rainbow Terrace
w. op Fo
Peabody ABLITT LAW OFFICES Peabody Haverhill Peabody Rockport Peabody Merrimac Merrimac Merrimac Lynn Salisbury Newburyport Amesbury Swampscott Haverhill Haverhill Ipswich Haverhill Lynn Gloucester Lynn Boxford HARMON LAW OFFICES ORLANS | MORAN ORLANS | MORAN HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES IN FORECLOSURE HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES ORDER OF NOTICE HARMON LAW OFFICES ORDER OF NOTICE HARMON LAW OFFICES ORDER OF NOTICE HARMON LAW OFFICES ORDER OF NOTICE & FORECLOSURE DEED HARMON LAW OFFICES ORDER OF NOTICE & FORECLOSURE DEED IN FORECLOSURE ORDER OF NOTICE: 8/13/2010 ORLANS | MORAN ABLITT LAW OFFICES
55 Harris Street
501 Summer Street
792 Western Avenue
501 Summer Street
792 Western Avenue
St re
ORDER OF NOTICE: 6/28/2010 ORDER OF NOTICE: 6/17/2010 ORDER OF NOTICE: 7/1/2010 ORDER OF NOTICE: 6/24/2010 YES ASSIGNMENT ORDER OF NOTICE & FORECLOSURE DEED
7 Lilly Pond Road
7 Lilly Pond Road
10
11
41 Rowell Avenue
12
13
14
73 Columbia Park
15
124 Winona Street
16
68 High Street
17
65 Newcastle Road
18
34 West Shore Road
Ex. 21
19
34 West Shore Road
clo su re
ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE: 4/12/2010 ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE & FORECLOSURE DEED ORDER OF NOTICE & FORECLOSURE DEED
20
34 West Shore Road
21
150-154 Lynn way, Unit 302-11
22
67 Pike Street
23
14 Jackson Street
24
25
15 Currier Court
YES
26
22 North Broadway
YES
27
22 North Broadway
BID
28
4 Kinsman Court
YES
29
111 Primrose Street
YES
30
15 French Street
YES
31
11 Macomber Road
BID
32
22 Walden Street
YES
33
YES
33
27
Assignment of Bid :
NON-MERS ASSIGNMENTS:
Fr au d. co
81.82% 6.06% 9.09% 27 0 MERS MORTGAGE ASSIGNMENTS: MERS REGISTERED ASSIGNMENT OF BID: 0 2 1 1/30/2012 McDonnell Property Analytics, Inc., All Rights Reserved
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Page 3 of 3

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ADDRESS CITY FORECLOSING LAW OFFICE FORECLOSURE NOTE & MORTGAGE ASSIGNED MORTGAGEONLY ASSIGNED MERS REGISTERED YES YES YES YES YES BID YES YES YES YES YES YES YES BID YES YES YES YES YES YES YES BID ORDER OF NOTICE MOM MOM MOM MOM Lynn Gloucester ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE, FORECLOSURE DEED ORDER OF NOTICE ASSIGNMENT ORDER OF NOTICE, FORECLOSURE DEED ORDER OF NOTICE, FORECLOSURE DEED ASSIGNMENT HARMON STAMP ON ASSIGNMENT. ORDER OF NOTICE HARMON LAW OFFICES ORDER OF NOTICE HARMON LAW OFFICES ORDER OF NOTICE Danvers Danvers Danvers KORDE & ASSOCIATES Lynn HARMON LAW OFFICES Salem HARMON LAW OFFICES Rockport ORLANS/MORAN HARMON LAW OFFICES Ipswich ORLANS/MORAN Ipswich
143 Hamilton Avenue
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Beverly HARMON LAW OFFICES Beverly HARMON LAW OFFICES Middleton Lynn HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES ABLITT/SCOFIELD HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES MARINOSCI LAW GROUP, P.C. HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES ABLITT/SCOFIELD HARMON LAW OFFICES ORLANS MORAN ABLITT/SCOFIELD Saugus ABLITT/SCOFIELD ASSIGNMENT ORDER OF NOTICE ASSIGNMENT ORDER OF NOTICE ORDER OF NOTICE, FORECLOSURE DEED Beverly Saugus Haverhill Boxford Lynnfield Lynnfield Peabody Salem Lynn Groveland Beverly Beverly Salisbury Gloucester Peabody Peabody Haverhill Wenham Wenham Lynn Lynn Salem Lynn Saugus HARMON LAW OFFICES
74 Burley Street
74 Burley Street
74 Burley Street
St re
ORDER OF NOTICE ORDER OF NOTICE ASSIGNMENT ORDER OF NOTICE, FORECLOSURE DEED
13 Whale Cove Road
10
11
213 Brimbal Avenue
12
213 Brimbal Avenue
13
73 Locust Street
14
15
73 Lothrop Street
16
27 Clinton Avenue
17
BOA - ANALYSIS
Ex. 22
18
clo su re
ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE, FORECLOSURE DEED ORDER OF NOTICE, FORECLOSURE DEED ORDER OF NOTICE, FORECLOSURE DEED
19
886 Salem Street
20
886 Salem Street
21
44 Sutton Street
22
23
17-19 Daniel Place
YES
MOM
24
4 Byfield Road
YES
25
886 Hale Street
YES
26
886 Hale Street
YES
27
154 Bridge Road
YES
MOM
28
YES
MOM
29
YES
MOM
30
YES
MOM
31
BID
32
194 Topsfield Road
ORDER OF NOTICE, FORECLOSURE DEED
YES
ASSIGNED
33
194 Topsfield Road
YES
34
BID
35
15 Wentworth Place
YES
MOM
36
37
Fr au d. co
YES BID ORDER OF NOTICE, FORECLOSURE DEED ORDER OF NOTICE, FORECLOSURE DEED YES YES ASSIGNED 1/30/2012 McDonnell Property Analytics, Inc., All Rights Reserved
38
579 Lincoln Avenue
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Page 5 of 6
39
579 Lincoln Avenue

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ADDRESS CITY FORECLOSING LAW OFFICE FORECLOSURE NOTE & MORTGAGE ASSIGNED MORTGAGEONLY ASSIGNED MERS REGISTERED YES YES YES YES YES YES YES YES YES YES YES YES BID YES YES YES YES YES YES YES YES YES ORDER OF NOTICE MOM MOM MOM MOM NOT ASSIGNED MOM MOM Lynn Lynn ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE STANTON & DAVIS STANTON & DAVIS ASSIGNMENT ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE Lynn STANTON & DAVIS HARMON LAW OFFICES Lynn Lynn Danvers Danvers Peabody HARMON LAW OFFICES Saugus HARMON LAW OFFICES Lynn
40
43 Groveland Street
w. op Fo
Peabody HARMON LAW OFFICES Ipswich ORDER OF NOTICE, FORECLOSURE DEED ASSIGNMENT ASSIGNMENT ASSIGNMENT HARMON LAW OFFICES Lynn Middleton Topsfield Wenham Lynn Lynnfield Lynnfield Salem Haverhill Gloucester Gloucester Lynn Newburyport STANTON & DAVIS GUAETTA AND BENSON, LLC GUAETTA AND BENSON, LLC GUAETTA AND BENSON, LLC HARMON LAW OFFICES HARMON LAW OFFICES ORDER OF NOTICE HARMON LAW OFFICES ORDER OF NOTICE HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES
41
43 Groveland Street
42
25 Ridge Avenue
43
787 Summer Street
44
40 Phillips Avenue
45
26 Wildwood Drive
St re
ORDER OF NOTICE ORDER OF NOTICE, FORECLOSURE DEED ORDER OF NOTICE ORDER OF NOTICE YES ORDER OF NOTICE
46
19 Prince Place
47
74 Lynnfield Street
48
214 Water Street
49
50
7 Fairmount Road
51
6 Periwinkle Lane
52
6 Jones Court
53
35 East Street
54
86 Howlett Street
55
7 Hilltop Drive
56
BOA - ANALYSIS
Ex. 23
57
8 Shady Nook Lane
clo su re
ORDER OF NOTICE
58
8 Shady Nook Lane
59
8 Raymond Road
60
32-34 Brock Road
61
16 Perkins Street
62
16 Perkins Street
MOM
63
40 Phillips Avenue
YES
64
2 Doe Run Drive
YES
MOM
64
44
13
20
Assignment of Bid :
68.75%
20.31%
31.25%
NON-MERS ASSIGNMENTS:
33
MERS MORTGAGE ASSIGNMENTS:
11
MERS REGISTERED ASSIGNMENT OF BID:
Fr au d. co
0 1/30/2012 McDonnell Property Analytics, Inc., All Rights Reserved
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Page 6 of 6

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ADDRESS CITY FORECLOSING LAW OFFICE FORECLOSURE NOTE & MORTGAGE ASSIGNED MORTGAGEONLY ASSIGNED MERS REGISTERED BID YES YES YES BID BID BID BID YES YES YES YES YES YES YES YES YES YES YES YES YES YES ORDER OF NOTICE YES ORDER OF NOTICE MOM MOM MOM MOM MOM MOM MOM MOM INFO ONLY INFO ONLY MOM MOM Amesbury Haverhill Groveland ORLANS MORAN HARMON LAW OFFICE HARMON LAW OFFICES HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICES HARMON LAW OFFICES ORDER OF NOTICE ORDER OF NOTICE (2), FD ORDER OF NOTICE (2), FD AOM, OON, AOB, FD ASSIGNMENT & OON ASSIGNMENT ASSIGNMENT OON, AOB, FD AOM, OON, AOB, FD OON, AOB, FD OON, AOB, FD OON, AOB, FD OON, AOB, FD ORDER OF NOTICE & FD HARMON LAW OFFICE ASSIGNMENT & OON HARMON LAW OFFICE ASSIGNMENT HARMON LAW OFFICE ORDER OF NOTICE & FD Haverhill Lynn Haverhill Lynn Amesbury Salem Swampscott KORDE & ASSOCIATES, P.C. Newburyport ABLITT & CHARLTON
w. op Fo
Salisbury ABLITT | SCOFIELD Salisbury Salem Lynn Lynn Amesbury Peabody Swampscott Lynn Middleton Haverhill Haverhill Lynn Marblehead Haverhill Haverhill Rowley Haverhill Lynn Lynn Haverhill Lynn Lynn HARMON LAW OFFICES KORDE & ASSOCIATES KORDE & ASSOCIATES HARMON LAW OFFICES ABLITT/CHARLTON HARMON LAW OFFICE ORLANS | MORAN ORLANS | MORAN HARMON LAW OFFICES Newburyport Salisbury Salem Haverhill Amesbury Lynn HARMON LAW OFFICES DOONAN, GRAVES & LONGORIA IN FORECLOSURE HARMON LAW OFFICES HARMON LAW OFFICES ORLANS | MORAN HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES ORDER OF NOTICE HARMON LAW OFFICE ASSIGNMENT HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICE
370 Center Street
38 Lowell Street
St re clo
ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE
74 Primrose Street
10
11
16 Fox Run Drive
12
107 Cable Avenue
13
107 Cable Avenue
14
15
51 Autumn Street
16
99 Hurd Street
17
29 Middle Road
18
6 Earley Road
Ex. 24
19
62 Thomas Road
20
56 Purdon Avenue
21
6 Kimber Avenue
22
14 Howard Street
23
14 Howard Street
24
BID ORDER OF NOTICE
25
2 Orne Street
26
su re
2 OON's, AOB, FD 2 OON's, AOB, FD 2 OON's, AOB, FD ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE OON, AOB, FD OON, AOB, FD ASSIGNMENT ORDER OF NOTICE ORDER OF NOTICE ASSIGNMENT ORDER OF NOTICE
YES
MOM
YES
MOM
27
BID
MOM
28
YES
29
YES
30
8 Pinkham Place
YES
31
41 Rollins Avenue
YES
32
171 East Broadway
YES
33
87 Cottage Street
YES
MOM
34
87 Cottage Street
YES
MOM
35
YES
36
BID
MOM
37
6 Penniman Drive
YES
MOM
38
63 Salem Street
Fr au d. co
YES YES YES YES MOM INFO ONLY MOM 1/30/2012 McDonnell Property Analytics, Inc., All Rights Reserved
39
34 Gilbert Avenue
40
15 Rocky Hill Road
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Page 11 of 15
41

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ADDRESS CITY FORECLOSING LAW OFFICE FORECLOSURE NOTE & MORTGAGE ASSIGNED MORTGAGEONLY ASSIGNED MERS REGISTERED YES YES YES YES YES YES YES YES YES YES YES BID BID YES YES YES YES YES YES YES YES YES ASSIGNMENT YES ORDER OF NOTICE MOM MOM MOM MOM MOM MOM MOM MOM MOM MOM MOM MOM MOM Haverhill Haverhill Amesbury HARMON LAW OFFICE HARMON LAW OFFICES HARMON LAW OFFICES ABLITT & CHARLTON, P.C. HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ASSIGNMENT ORDER OF NOTICE ORDER OF NOTICE ASSIGNMENT ORDER OF NOTICE ASSIGNMENT ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ASSIGNMENT ASSIGNMENT ABLITT | SCOFIELD ORDER OF NOTICE HARMON LAW OFFICES ORDER OF NOTICE HARMON LAW OFFICES ORDER OF NOTICE Lynn Peabody Haverhill Lynn Salem Peabody Ipswich HARMON LAW OFFICES Haverhill STANTON & DAVIS
42
12 Grant Street
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Haverhill HARMON LAW OFFICE Marblehead Amesbury Salisbury Lynn Salem Lynn Lynn Haverhill Haverhill Hamilton Newburyport Haverhill Haverhill Lynn Peabody Danvers Saugus Haverhill Haverhill Haverhill Haverhill Haverhill Peabody Gloucester Lynn Lynn Marblehead Ipswich Gloucester HARMON LAW OFFICE HARMON LAW OFFICES HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICE IN FORECLOSURE HARMON LAW OFFICES HARMON LAW OFFICE ORLANS MORAN ORLANS MORAN STANTON & DAVIS HARMON LAW OFFICES HARMON LAW OFFICE HARMON LAW OFFICES ORLANS | MORAN HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICE ORLANS MORAN ORLANS MORAN HARMON LAW OFFICE ORDER OF NOTICE ORLANS MORAN ORDER OF NOTICE HARMON LAW OFFICE ABLITT/SCOFIELD ABLITT/SCOFIELD HARMON LAW OFFICE
43
12 Grant Street
44
427 Main Street
45
25 Beyer Place
46
47
St re clo
ORDER OF NOTICE ORDER OF NOTICE ASSIGNMENT
64 Harrison Street
48
12 Spencer Street
49
50
7 Blair Terrace
51
8 Currier Park
52
53
54
55
26 Sanborn Terrace
56
12 Palis Drive
57
41 Merrill Avenue
58
177 North Street
59
12 Kimball Road
Ex. 25
60
61
193 River Street
62
193 River Street
63
34 Autumn Lane
64
65
BID ASSIGNMENT
66
67
131 Woodlawn Street
su re
ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ASSIGNMENT ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ASSIGNMENT ORDER OF NOTICE ASSIGNMENT ASSIGNMENT ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE
YES
YES
MOM
68
3 Ruth Avenue
BID
69
19 West Street
YES
MOM
70
11 Marr Road
YES
MOM
71
9 Magnavista Drive
YES
72
9 Magnavista Drive
YES
73
9 Magnavista Drive
YES
74
9 Magnavista Drive
YES
75
19 Fernald Avenue
YES
76
2 Scribner Road
YES
MOM
77
YES
MOM
78
32 Elizabeth Street
YES
MOM
79
32 Elizabeth Street
Fr au d. co
YES MOM YES YES YES MOM MOM 1/30/2012 McDonnell Property Analytics, Inc., All Rights Reserved
80
13 Cottage Street
81
84 High Street
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82

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ADDRESS CITY FORECLOSING LAW OFFICE FORECLOSURE NOTE & MORTGAGE ASSIGNED MORTGAGEONLY ASSIGNED MERS REGISTERED YES YES YES YES YES YES YES YES YES YES BID YES YES YES BID BID YES YES BID YES YES YES ASSIGNMENT YES ORDER OF NOTICE MOM MOM MOM MOM MOM Boxford Newburyport Gloucester HARMON LAW OFFICES ABLITT/SCOFIELD HARMON LAW OFFICE HARMON LAW OFFICES HARMON LAW OFFICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ASSIGNMENT ASSIGNMENT ORDER OF NOTICE ASSIGNMENT ORDER OF NOTICE ASSIGNMENT HARMON LAW OFFICES ASSIGNMENT HARMON LAW OFFICES ORDER OF NOTICE HARMON LAW OFFICES ORDER OF NOTICE Salem Lynn Salisbury Lynn Beverly Salem Salem HARMON LAW OFFICES Haverhill HARMON LAW OFFICES
83
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Wenham Middleton Lynn Beverly Hamilton HARMON LAW OFFICES HARMON LAW OFFICE STANTON & DAVIS HARMON LAW OFFICES KORDE & ASSOCIATES KORDE & ASSOCIATES HARMON LAW OFFICES ORDER OF NOTICE ORDER OF NOTICE HARMON LAW OFFICES HARMON LAW OFFICE HARMON LAW OFFICE
84
85
86
87
48 Friend Street
88
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ASSIGNMENT ORDER OF NOTICE ORDER OF NOTICE YES ASSIGNMENT HARMON LAW OFFICE HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICE ABLITT/SCOFIELD ABLITT/SCOFIELD HARMON LAW OFFICES ORLANS | MORAN HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICES Lynn Haverhill Lynn HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICE Lynn Peabody Haverhill Beverly Beverly Saugus Lynn Haverhill Beverly Swampscott Danvers Gloucester South Hamilton Lynn Rockport Lynn Lynn Lynn Rowley Peabody Salem
54 Congress Street
89
90
9 Russell Street
91
6 Cottage Street
92
6 Cottage Street
93
94
78 Maple Street
95
67 Forest Street
96
97
98
258 Moulton Street
99
100
34 Arvidson Road
Ex. 26
101
96 Birch Street
102
11 Kimball Street
103
104
105
5 Emory Court
106
22 Perley Street
107
5 Apple Street
108
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ASSIGNMENT ORDER OF NOTICE ORDER OF NOTICE ASSIGNMENT ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ASSIGNMENT ASSIGNMENT ORDER OF NOTICE ORDER OF NOTICE ASSIGNMENT ORDER OF NOTICE ASSIGNMENT ORDER OF NOTICE ORDER OF NOTICE (2)
YES
MOM
YES
MOM
109
79 Eastman Avenue
YES
INFO ONLY
110
110 Burley Street
YES
MOM
111
18 Fair Street
YES
112
14 Gail Avenue
YES
113
YES
MOM
114
6 Hodgkins Road
YES
115
YES
116
YES
MOM
117
29 Williams Avenue
YES
MOM
118
BID
119
42 Herrick Road
YES
MOM
120
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YES MOM YES YES YES MOM MOM 1/30/2012 McDonnell Property Analytics, Inc., All Rights Reserved
121
122
49 Myron Road
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123

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ADDRESS CITY FORECLOSING LAW OFFICE FORECLOSURE NOTE & MORTGAGE ASSIGNED MORTGAGEONLY ASSIGNED MERS REGISTERED YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES ASSIGNMENT YES ORDER OF NOTICE MOM MOM MOM MOM MOM MOM MOM ASSIGNED MOM MOM MOM ASSIGNED MOM MOM MOM MOM MOM MOM MOM Lynn Haverhill Haverhill HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICES ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ASSIGNMENT ORDER OF NOTICE ASSIGNMENT ORDER OF NOTICE ASSIGNMENT ASSIGNMENT ASSIGNMENT ASSIGNMENT & OON ASSIGNMENT ASSIGNMENT HARMON LAW OFFICES ASSIGNMENT HARMON LAW OFFICES ASSIGNMENT & OON HARMON LAW OFFICE ORDER OF NOTICE (2) Haverhill Danvers Amesbury Boxford (Haverhill) Danvers Gloucester Amesbury HARMON LAW OFFICES Beverly
124
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Swampscott SHAPIRO & KREISMAN Peabody Newburyport Newbury Rockport Beverly Rockport West Newbury Haverhill Haverhill Haverhill Danvers Byfield (Newbury) Beverly Haverhill Lynn Lynn Haverhill Groveland Georgetown Lynnfield Lynnfield Beverly Danvers Lynn Haverhill Lynn Haverhill Peabody Swampscott HARMON LAW OFFICES HARMON LAW OFFICE HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICES HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICES HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICES ASSIGNMENT HARMON LAW OFFICE ORDER OF NOTICE HARMON LAW OFFICE HARMON LAW OFFICE HARMON LAW OFFICES HARMON LAW OFFICE
125
675 Primrose Street
126
824 Broadway Street
127
128
129
St re clo
ORDER OF NOTICE ASSIGNMENT ASSIGNMENT
184 Main Street
130
131
7 Cross Street
132
133
134
55 Essex Street
135
41 Fairview Avenue
136
8 Home Street
137
25 Milk Street
138
8 51st Street
139
212 Granite Street
140
12 Dartmouth Street
141
212 Granite Street
Ex. 27
142
24 Baileys Lane
143
65 Harrison Street
144
145
79 Blossom Street
146
15 Merrill Street
147
80 Main Street
YES ASSIGNMENT
MOM
148
180 Bridge Street
149
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ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ASSIGNMENT ASSIGNMENT ASSIGNMENT ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ASSIGNMENT ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE
YES
MOM
YES
MOM
150
BID
151
YES
MOM
152
YES
MOM
153
YES
MOM
154
1 Larch Road
YES
MOM
155
8 Shady Nook Lane
YES
156
8 Shady Nook Lane
YES
157
53 Chase Street
YES
MOM
158
19 West Street
YES
MOM
159
91 Timson Street
YES
ASSIGNED
160
16 Damon Avenue
YES
MOM
161
307 Parkland Avenue
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YES MOM YES YES YES MOM MOM MOM 1/30/2012 McDonnell Property Analytics, Inc., All Rights Reserved
162
818 Amesbury Road
163
25 Winter Street
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2 Higgins Terrace

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ADDRESS CITY FORECLOSING LAW OFFICE FORECLOSURE NOTE & MORTGAGE ASSIGNED MORTGAGEONLY ASSIGNED MERS REGISTERED YES YES YES YES YES YES YES YES YES YES YES YES YES YES MOM MOM MOM MOM MOM MOM MOM MOM MOM ASSIGNED MOM MOM MOM Lynn Haverhill Haverhill HARMON LAW OFFICES HARMON LAW OFFICE HARMON LAW OFFICE ABLITT | SCOFIELD ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ASSIGNMENT ORDER OF NOTICE ORDER OF NOTICE ORDER OF NOTICE ASSIGNMENT HARMON LAW OFFICE ASSIGNMENT HARMON LAW OFFICE ORDER OF NOTICE HARMON LAW OFFICES ASSIGNMENT Saugus Amesbury Amesbury Peabody Peabody Peabody Peabody Peabody HARMON LAW OFFICES
165
17-19 Smith Street
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Peabody HARMON LAW OFFICE Saugus Haverhill HARMON LAW OFFICES
166
167
168
234 Essex Street
169
170
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64 Assignment of Bid 35.96% 48 16 96 18 53.93% 9 87 58.43%
171
2 Fountain Street
172
2 Fountain Street
173
2 Fountain Street
174
2 Fountain Street
175
2 Fountain Street
176
44 Home Street
177
28 Denver Street
178
Ex. 28
NON-MERS ASSIGNMENTS: MERS MORTGAGE ASSIGNMENTS: MERS REGISTERED ASSIGNMENT OF BID:
178
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1 1/30/2012 McDonnell Property Analytics, Inc., All Rights Reserved
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EXHIBIT D
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Ex. 29
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The Eaton Defect
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THE EATON DEFECT

To establish the identity of the entity claiming ownership of the mortgage obligation, we performed a search on the MERS website and found that Fannie Mae was the Investor i.e., the legal owner of the Eaton Note.
Examples 7, 8, 9, 10 in Exhibit A describe The Eaton Defect.
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McDonnell Property Analytics, Inc. | 88 Washington Street, Suite 101A | Dedham, MA 02026
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I refer you as well to Exhibit A of our amicus brief which establishes the Protocols and Practical Applications for Classifying Assignment of Mortgage According to the Prescribed Definition of Terms we used when auditing the Essex County Southern District Registry of Deeds.
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Attached hereto is a Chain of Title Flow Chart that illustrates the actual sale and assignment of Henrietta Eatons Note and Mortgage versus what the Assignment of Mortgage executed by alleged robo-signer Monica Medina, an employee of Green Tree Servicing LLC, states. The Assignment of Mortgage and Assignment of Bid are also provided as a reference.
Ex. 30
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The Eaton Defect as described in our amicus brief occurs when an entity, such as Green Tree Servicing LLC takes the mortgage by assignment and prosecutes a foreclosure in its own name when it neither owns nor holds the note.
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CHAIN OF TITLE FLOW CHART
TRANSFERS & ASSIGNMENTS OF NOTE AND MORTGAGE Henrietta Eaton MORTGAGOR

$145,000.00
INVALID ASSIGNMENT RECORDED IN SUFFOLK COUNTY REGISTRY OF DEEDS Henrietta Eaton MORTGAGOR
$145,000.00
SETTLEMENT DATE:
September 12, 2007
SETTLEMENT DATE:
NOTE & MORTGAGE
BankUnited, FSB ORIGINATOR

ORIGINATING LENDER NAMED IN NOTE AND MORTGAGE
MISSING ASSIGNMENT
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Federal National Mortage Corporation GOVERNMENT SPONSERED ENTERPRISE

CREATES ISSUING ENTITY; SECURITIZES LOANS
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2011 McDonnell Property Analytics, Inc., All Rights Reserved
Ex. 31
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Mortgage Electronic Registration Systems, Inc. ("MERS") as nominee for BankUnited, FSB NOMINEE / MORTGAGEE
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., PURPORTS TO ASSIGN THE MORTGAGE (ONLY) TO GREEN TREE SERVICING LLC ON: April 22, 2009 SIGNATORY: MONICA MEDINA
THIS ASSIGNMENT DOES NOT TRANSFER THE NOTE

FANNIE MAE RULES AND MERS RULE 8 CLASH WITH M.G.L. CH. 244 SEC. 14; M.G.L. CH. 183 SEC. 21 & M.G.L. CH 185 SEC. 67
Federal National Mortgage Association (Fannie Mae) TRUE OWNER & HOLDER
FANNIE MAE DOES NOT INVEST IN REO PROPERTIES; IT WAS THE TRUE OWNER AND HOLDER OF THE EATON NOTE AND MORTGAGE PRIOR TO FORECLOSURE
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September 12, 2007
NOTE & MORTGAGE
INVALID ASSIGNMENT
Green Tree Servicing LLC SERVICER
ASSIGNMENT OF BID
Henrietta Eaton 141 Deforest Street, Roslindale, Suffolk County, Massachusetts 02131
MERS Servicer Identification System - Results
https://www.mers-servicerid.org/sis/search
MIN: 1005265-0005361290-1
Note Date: 09/12/2007
Servicer: Green Tree Servicing LLC Tempe, AZ Investor: Fannie Mae Washington, DC
Return to Search
For more information about MERS please go to www.mersinc.org

Copyright 2006 by MERSCORP, Inc .
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Ex. 32
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MIN Status: Inactive Phone: (800) 643-0202 Phone: (202) 752-7000
1 record matched your search:
6/24/2011 8:44 AM
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Ex. 33
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Ex. 34
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Ex. 35
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EXHIBIT E
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Ex. 36
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The Ibanez Defect
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THE IBANEZ DEFECT

Under the rules of the Prospectus, Prospectus Supplement and Pooling and Servicing Agreement which govern securitization trusts, this is a prohibited act; only a special purpose entity known as the Depositor can handle this function. Attached hereto are the Securitization Flow Charts and annotated Assignments of Mortgage that I prepared and submitted to the Supreme Judicial Court in my amicus brief in the matter of U.S. Bank Natl Assn v. Ibanez, 458 Mass. 637 (2011) (Ibanez). I refer you as well to Exhibit A of this amicus brief which establishes the Protocols and Practical Applications for Classifying Assignment of Mortgage According to the Prescribed Definition of Terms we used when auditing the Essex County Southern District Registry of Deeds. Please refer to Exhibit A in this brief and read under the definition of Invalid Assignment of Mortgage: Non-Foreclosure Situation to learn more. Example 12 in Exhibit A describes The Ibanez Defect.
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McDonnell Property Analytics, Inc. | 88 Washington Street, Suite 101A | Dedham, MA 02026
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Ex. 37
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The Ibanez Defect as described in this amicus brief occurs when an entity, such as Option One Mortgage Corporation, sells the loan for securitization purposes and later, after the loan has been sold multiple times, assigns the Note and Mortgage (or just the Mortgage) directly to the Trustee of the Issuing Entity (securitized trust).
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IBANEZ SECURITIZATION FLOW CHART

U.S. BANK NATIONAL ASSOCIATION, as Trustee for the Structured Asset Se-curities Corporation Mortgage Pass-Through Certificates, Series 2006-Z
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Cash to Fund Mortgage Loan
SETTLEMENT DATE: DECEMBER 2, 2005
Antonio Ibanez MORTGAGOR $103,500.00
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Related Documents Monthly Payments B. Option One Mortgage Corporation ORIGINATOR Aurora Loan Services MASTER SERVICER
SERVICES INDIVIDUAL LOANS; AGGREGATES COLLECTIONS; PERFORMS DUTIES UNDER TRUST'S POOLING & SERVICING AGREEMENT TABLE-FUNDED INDIVIDUAL LOANS
A. Rose Mortgage, Inc. CORRESPONDENT
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Loan Purchase Price Monthly Distributions
PROCESSES AND FUNDS INDIVIDUAL LOANS
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C. Lehman Brothers Holdings Inc. SELLER / SPONSOR
PURCHASES LOANS FROM ORIGINATOR; FORMS POOL
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Net Offering Proceeds Lehman Brothers UNDERWRITER
SELLS CERTIFICATES TO INVESTORS; COLLECTS OFFERING PROCEEDS
ARROW LEGEND
Ex. 38
Net Offering Proceeds D. Structured Asset Securities Corporation DEPOSITOR Certificates
CREATES ISSUING ENTITY CUTOFF DATE: 12/28/2006
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Certificates
Purple - Mortgage Documents Blue - Securities Certificates Orange - Investor Funds Green - Borrower Funds
Certificates
Related Documents
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Offering Proceeds
Deutsche Bank National Trust Co., U.S. Bank N.A., LaSalle Bank, N.A. & Wells Fargo Bank DOCUMENT CUSTODIAN
HOLDS POOL OF LOANS; ISSUES CERTIFICATES
E. Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2006-Z TRUST FUND - ISSUING ENTITY
Wells Fargo Bank, N.A. SECURITIES ADMINISTRATOR
Cedefast, Cede & Co Fast INVESTORS

REPRESENTS INVESTORS' INTERESTS; CALCULATES CASH FLOWS; REMITS NET REVENUES TO TRUSTEE PURCHASE MORTGAGE BACKED SECURITIES AS DEFINED IN CERTIFICATES
HOLDS AND MAINTAINS MORTGAGE LOAN DOCUMENTS ON BEHALF OF TRUSTEE
Return On Investment
U.S. Bank National Association TRUSTEE

REPRESENTS INVESTORS' INTERESTS; REMITS NET REVENUES TO CERTIFICATEHOLDERS
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Truth In Lending Audit & Recovery Services, LLC
Copyright 2009
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Ex. 39
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This is a bogus Assignment prepared by American Home Mortgage Servicing, Inc. on 9/2/2008. Notwithstanding AHMSI acquired Option One in May of 2008, it did not have standing to execute this Assignment because Option One had sold the Ibanez loan to Lehman Brothers Holding, Inc. prior to 12/28/2006 when the SASC 2006-Z securitization deal closed. In Addition, Wells Fargo Bank, N.A. as Trustee did not grant Option One or AHMSI a Power of Attorney to act on its behalf. (See Ibanez Securitization Flow Chart) The Ibanez loan was removed from the SASC 2006-Z Trust Fund in September 2008 just after the foreclosure paperwork was recorded in the Hampden County Registry of Deeds. I was informed by the Securities Administrator that the asset was liquidated but that the Trust has not received any proceeds of the liquidation. (See Ibanez Monthly Remittance Reports & Mortgage Loan Schedule)
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Ex. 40
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Another reason why this Affidavit is bogus is because it was allegedly witnessed by a Notary Public in Alpharetta, Georgia employed by Fidelity National Information Services when American Home Mortgage Services, Inc. operates out of Irvine, California. (See http://www.docx.com/) Here again, there is no Corporate Seal affixed, no Power of Attorney, nor is there any other authentication that would support the validity of this document.
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LARACE SECURITIZATION FLOW CHART

WELLS FARGO BANK, N.A., as trustee for ABFC 2005-OPT 1 Trust, ABFC Asset Backed Certificates Series 2005-OPT 1
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Mark & Tammy Larace MORTGAGOR $103,200.00
SETTLEMENT DATE: MAY 19, 2005
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Related Documents Monthly Payments Cash to Fund Mortgage Loan A. Option One Mortgage Corporation ORIGINATOR Option One Mortgage Corporation MASTER SERVICER
SERVICES INDIVIDUAL LOANS; AGGREGATES COLLECTIONS; PERFORMS DUTIES UNDER TRUST'S POOLING & SERVICING AGREEMENT
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PROCESSES AND FUNDS INDIVIDUAL LOANS
Loan Purchase Price Monthly Distributions
B. Bank of America, N.A. SELLER / SPONSOR

PURCHASES LOANS FROM ORIGINATOR; FORMS POOL
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Net Offering Proceeds Banc of America Securities, LLC UNDERWRITER Certificates
Ex. 41
C. Asset Backed Funding Corporation DEPOSITOR
CREATES ISSUING ENTITY CUTOFF DATE: 10/1/2005
ARROW LEGEND
Net Offering Proceeds
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Purple - Mortgage Documents Blue - Securities Certificates Orange - Investor Funds Green - Borrower Funds
SELLS CERTIFICATES TO INVESTORS; COLLECTS OFFERING PROCEEDS
Certificates
Related Documents Certificates
Offering Proceeds
UNKNOWN DOCUMENT CUSTODIAN
D. ABFC 2005-OPT 1 Trust, ABFC Asset Backed Certificates Series 2005-OPT 1 TRUST FUND - ISSUING ENTITY
HOLDS POOL OF LOANS; ISSUES CERTIFICATES
Wells Fargo Bank, National Association TRUSTEE
Cedefast, Cede & Co Fast INVESTORS

REPRESENTS INVESTORS' INTERESTS; REMITS NET REVENUES TO CERTIFICATEHOLDERS PURCHASE MORTGAGE BACKED SECURITIES AS DEFINED IN CERTIFICATES
HOLDS AND MAINTAINS MORTGAGE LOAN DOCUMENTS ON BEHALF OF TRUSTEE
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Return On Investment
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Truth In Lending Audit & Recovery Services, LLC
Copyright 2009
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Ex. 42
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This Assignment from Option One directly into the ABFC 2005-OPT 1 Trust is bogus for several reasons: 1. Option One divested itself of its interest in the LaRace Note and Mortgage on or before October 1, 2005 when the Cutoff Date for the securitization took effect;
2. The Trust documents (Prospectus; Supplements; and Pooling and Servicing Agreement) preclude anyone but the DEPOSITOR from conveying mortgage obligations into the Trust; 3. Neither Option One nor Cindi Ellis was authorized by the Trustee, Wells Fargo Bank, N.A. to execute documents on behalf of the Trust. 4. A back-dated Assignment is ineffective.
EXHIBIT F
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Ex. 43
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Latent Defects
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CITY ASSIGNEE LATENT DEFECTS FANNIE MAE FHA FREDDIE MAC ABSNET LOAN BLOOMBERG HOLDER MATCHES Danvers FORENSICS CLOUD FORENSICS CLOUD A to D A to D A to D A to D FORENSICS CLOUD FORENSICS CLOUD FORENSICS CLOUD Match FORENSICS CLOUD A to D A to D FORENSICS CLOUD A to D FORENSICS CLOUD FORENSICS CLOUD Match Match Match Match Match Match Match Match Match Match X X X X X X X Match Match X X X X X X FHA X X X X Match Match Match Match Match Match X Peabody Lynn JPMorgan Chase Bank as Trustee c/o Residential Funding Corp. Chase Home Finance LLC Chase Home Finance LLC Match X MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH Lynn JPMorgan Chase Bank as Trustee c/o Residential Funding Corp. Lynn BONY Mellon as Trustee of RASC 2003-KS2 Lynn BONY Mellon as Trustee of RASC 2003-KS7 Boxford Chase Home Finance LLC Boxford Chase Home Finance LLC Peabody Chase Home Finance LLC Peabody Federal National Mortgage Association Beverly Chase Home Finance LLC
ADDRESS
6 Rainbow Terrace
55 Harris Street
501 Summer Street
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Peabody First National Bank of Chicago as Trustee, WMC 1998-B Peabody Haverhill Peabody Rockport Peabody Merrimac Merrimac Merrimac Lynn Salisbury Newburyport Amesbury Swampscott Haverhill Haverhill Ipswich Haverhill Lynn Gloucester Lynn Boxford Chase Home Finance, LLC JPMorgan Chase Bank, N.A. c/o Chase Home Finance, LLC JPMorgan Chase Bank, N.A. c/o Chase Home Finance, LLC Chase Home Finance LLC Chase Home Financial LLC JPMorgan Chase Bank, N.A. Homesales, Inc. Chase Home Finance LLC Chase Home Finance LLC Chase Home Finance LLC Chase Home Finance LLC Chase Home Finance LLC Chase Home Finance, LLC JPMorgan Chase Bank, N.A. Regions Mortgage, Inc. JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. BONY Mellon as Trustee for ChaseFlex Trust 2007-M1 JPMorgan Chase Bank, N.A. The Bank of New York Trust Company, Successor Trustee
792 Western Avenue
501 Summer Street
792 Western Avenue
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FORENSICS CLOUD FORENSICS CLOUD
7 Lilly Pond Road
7 Lilly Pond Road
10
11
41 Rowell Avenue
12
13
14
73 Columbia Park
15
124 Winona Street
16
68 High Street
17
65 Newcastle Road
18
34 West Shore Road
Ex. 44
JPMorgan Chase Bank, N.A. c/o Chase Home Finance, LLC
19
34 West Shore Road
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20
34 West Shore Road
21
150-154 Lynn way, Unit 302-11
22
67 Pike Street
23
14 Jackson Street
24
25
15 Currier Court
26
22 North Broadway
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11 7 55.00%
FHA
27
22 North Broadway
28
4 Kinsman Court
29
111 Primrose Street
30
15 French Street
31
11 Macomber Road
32
22 Walden Street
33
33
FORENSICS CLOUD: A to D ASSIGNMENTS: TRANSPARENCY: PERCENTAGE OF FORENSICS CLOUDS PER HOLDER MATCH: PERCENTAGE OF "A to D DEFECTS" PER HOLDER MATCH: LATENT DEFECTS:
20
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27.27% 9.09% 6.06% 18.18% 6.06% 35.00% 90.00% 1/30/2012 McDonnell Property Analytics, Inc., All Rights Reserved
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CITY ASSIGNEE LATENT DEFECTS FANNIE MAE FHA FREDDIE MAC ABSNET LOAN BLOOMBERG HOLDER MATCHES BOA, (LaSalle Bank) as trustee for WMABS Series 2006-HE4 Trust A to D A to D A to D A to D A to D FORENSICS CLOUD A to D A to D FORENSICS CLOUD A to D FORENSICS CLOUD FORENSICS CLOUD FORENSICS CLOUD FORENSICS CLOUD A to D A to D Match Match Match Match BOA merger to LaSalle NA Trustee for WaMu Mortgage Series 2007-OA5 Trust MATCH MATCH MATCH MATCH MATCH X MATCH MATCH MATCH MATCH X X MATCH X MATCH MATCH MATCH A to D A to D FORENSICS CLOUD FORENSICS CLOUD FORENSICS CLOUD FORENSICS CLOUD Match Match MATCH MATCH MATCH X X MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH FORENSICS CLOUD MATCH MATCH A to D MATCH MATCH FORENSICS CLOUD MATCH MATCH A to D MATCH MATCH A to D MATCH MATCH A to D MATCH MATCH A to D MATCH MATCH A to D MATCH MATCH FORENSICS CLOUD Match X MATCH FORENSICS CLOUD MATCH MATCH FORENSICS CLOUD MATCH MATCH FORENSICS CLOUD Match X MATCH A to D Bank of America, N.A. Federal National Mortgage Association (AOB) Mortgage Electronic Registration Systems, Inc. BOA/LaSalle/Bear Stearns Series 2006-AQ1 c/o EMC Mortgage Corporation MATCH MATCH FORENSICS CLOUD MATCH MATCH FORENSICS CLOUD Match X MATCH FORENSICS CLOUD A to D MATCH MATCH MATCH MATCH LaSalle Bank as Trustee for Merrill Lynch Mortgage Investors Series 2006-OPT1 BOA Successor to LaSalle Bank Trustee for Merrill Lynch Mort Inv Series 2006-OPT1 U.S.Bank/Merrill Lynch Series 2006-OPT1 Federal National Mortgage Association (AOB) BOA/ LaSalle Bank/Washington Mutual/WaMu Series 2007-OA4 Trust BOA /LaSalle/WaMu Series 2007-OA1 C/O JPMorgan Chase Bank GMAC Mortgage, LLC BOA/LaSalle Bank as Trustee
ADDRESS
143 Hamilton Avenue
Lynn
74 Burley Street
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Standard Federal Bank CitiMortgage, Inc. Bank of America, National Association Federal Home Loan Mortgage Corporation (AOB) BOA/LaSalle/WaMu Series 2006-AR7 Trust BOA/LaSalle/Washington Mutual/ WMALT Series 2006-6 Trust Wells Fargo/Banc of America Loan Trust 2006-1 C/O BAC Home Loans Servicing, LP BOA/LaSalle as Trustee for Washington Mutual WaMu Series 2007-OA4 Trust Bank of America Mortgage Capital Corporation Bank of America, National Association BAC Home Loans Servicing, LP Federal Home Loan Mortgage Corporation (AOB) Bank of America, National Association
Gloucester
Danvers
74 Burley Street
Danvers
74 Burley Street
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Danvers
Lynn
Salem
13 Whale Cove Road
Rockport
Ipswich
10
Ipswich
11
213 Brimbal Avenue
Beverly
12
213 Brimbal Avenue
Beverly
13
73 Locust Street
Middleton
14
Lynn
15
73 Lothrop Street
Beverly
16
27 Clinton Avenue
Saugus
17
Haverhill
BOA - ANALYSIS
Ex. 45
Bank of America, N.A. Series 2004-7 c/o American Home Mortgage Servicing, Inc. Bank of America, N.A. U.S. Bank/Wachovia Bank, N.A. as Trustee for BAFC 2005-8 BOA/LaSalle/Washington Mutual/ WMALT Series 2005-6 Trust BOA/LaSalle/Bear Stearns Asset Backed Securities I LLC Series 2007-HE5 BOA/LaSalle as Trustee under the P&S agreement 2/1/2007, GSAMP Trust 2007-NC1 BOA/LaSalle as Trustee under the P&S agreement 2/1/2007, GSAMP Trust 2007-NC1 Federal Home Loan Mortgage Corporation (AOB) Mortgage Electronic Registration Systems, Inc. SunTrust Mortgage, Inc. Federal Home Loan Mortgage Corporation (AOB) BOA/LaSalle/Bear Stearns Series 2006-HE9 C/O EMC 1/30/2012 McDonnell Property Analytics, Inc., All Rights Reserved
18
Boxford
19
886 Salem Street
Lynnfield
20
886 Salem Street
Lynnfield
21
44 Sutton Street
Peabody
22
Salem
23
17-19 Daniel Place
Lynn
24
4 Byfield Road
Groveland
25
886 Hale Street
Beverly
26
886 Hale Street
Beverly
27
154 Bridge Road
Salisbury
28
Gloucester
29
Peabody
30
Peabody
31
Haverhill
32
194 Topsfield Road
Wenham
33
194 Topsfield Road
Wenham
34
Lynn
35
15 Wentworth Place
Lynn
36
Salem
37
Lynn
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38
579 Lincoln Avenue
Saugus
39
579 Lincoln Avenue
Saugus
Page 3 of 6

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CITY ASSIGNEE LATENT DEFECTS FANNIE MAE FHA FREDDIE MAC ABSNET LOAN BLOOMBERG HOLDER MATCHES Old Republic Insurance Company c/o Old Republic Equity Services, Inc. FORENSICS CLOUD FORENSICS CLOUD A to D A to D A to D FORENSICS CLOUD A to D FORENSICS CLOUD A to D A to D FORENSICS CLOUD FORENSICS CLOUD FORENSICS CLOUD Match Match Match X X X X X X X X X X X X X X Match MATCH MATCH X Wells Fargo/Banc of America Series 2005-12 MATCH MATCH MATCH X X MATCH MATCH Match Match MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH BOA/LaSalle/Morgan Stanley Trust 2006-13ARX Wells Fargo/Banc of America Series 2006-1 C/O BOA BOA/LaSalle/Merrill Lynch Series 2006-OPT1 DLJ Mortgage Capital, Inc. c/o Bank of America BOA/LaSalle/WMM/WMALT Series 2006-8 Trust c/o JPMorgan Chase Bank BAC Home Loans Servicing, LP US Bank, N.A./Banc of America Series 2007-C c/o BAC Home Loans Servicing, LP BOA/LaSalle/WMM/WMALT Series 2006-2 Trust c/o JPMorgan Chase Bank
ADDRESS
40
43 Groveland Street
Lynn
41
43 Groveland Street
42
25 Ridge Avenue
w. op Fo
BAC Home Loans Servicing, LP BAC Home Loans Servicing, LP Federal National Mortgage Association (AOB) JPMorgan Chase Bank, N.A. Bank of America, National Association Bank of America, N.A. BAC Home Loans Servicing, LP Wells Fargo Home Mortgage, Inc. Bank of America Mortgage Capital Corporation Countrywide Bank, FSB Bank of America, N.A. merger to Countrywide Bank, FSB Bank of America, N.A. merger to Countrywide Bank, FSB
Lynn
Lynn
43
787 Summer Street
Lynn
44
40 Phillips Avenue
45
26 Wildwood Drive
St re clo su re
FORENSICS CLOUD: A to D ASSIGNMENTS: TRANSPARENCY: PERCENTAGE OF FORENSICS CLOUDS PER HOLDER MATCH: PERCENTAGE OF "A to D DEFECTS" PER HOLDER MATCH: LATENT DEFECTS: 26 26
Lynn
Danvers
46
19 Prince Place
Danvers
47
74 Lynnfield Street
Peabody
48
214 Water Street
Saugus
49
Lynn
50
7 Fairmount Road
Peabody
51
6 Periwinkle Lane
Ipswich
52
6 Jones Court
Lynn
53
35 East Street
Middleton
54
86 Howlett Street
Topsfield
55
7 Hilltop Drive
Wenham
56
Lynn
BOA - ANALYSIS
Ex. 46
BAC Home Loans Servicing, LP f/k/a Countrywide Home Loans Servicing, LP Option One Mortgage Corporation n/k/a Sand Canyon Corporation BOA merger with Countrywide Bank FSB c/o BOA 50.00% 50.00% 100.00% 1/30/2012 McDonnell Property Analytics, Inc., All Rights Reserved
57
8 Shady Nook Lane
Lynnfield
58
8 Shady Nook Lane
Lynnfield
59
8 Raymond Road
Salem
60
32-34 Brock Road
Haverhill
61
16 Perkins Street
Gloucester
62
16 Perkins Street
Gloucester
63
40 Phillips Avenue
Lynn
64
2 Doe Run Drive
Newburyport
64
37
52
Fr au d. co
14.06% 6.25% 0.00% 57.81%
3.13%
81.25%
m
Page 4 of 6

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CITY ASSIGNEE LATENT DEFECTS FANNIE MAE FHA FREDDIE MAC ABSNET LOAN BLOOMBERG HOLDER MATCHES Amesbury FORENSICS CLOUD FORENSICS CLOUD FORENSICS CLOUD A to D FORENSICS CLOUD FORENSICS CLOUD FORENSICS CLOUD FORENSICS CLOUD FORENSICS CLOUD FORENSICS CLOUD A to D A to D A to D FORENSICS CLOUD FORENSICS CLOUD FORENSICS CLOUD FORENSICS CLOUD Match Match Match Match Match FORENSICS CLOUD A to D A to D FORENSICS CLOUD Match Match Match (Match) Match Match Match X Match X X X X X Match Match Match Match X X X X X Match Match X Match A to D Match Match X Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Federal Home Loan Mortgage Corporation (AOB) Match X MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH FORENSICS CLOUD Match X MATCH A to D Match MATCH FORENSICS CLOUD Match MATCH FORENSICS CLOUD Match MATCH A to D Match MATCH A to D X Match A to D Match MATCH MATCH A to D Match MATCH A to D Match MATCH FORENSICS CLOUD Match MATCH FORENSICS CLOUD Wells Fargo Bank, N.A. Newburyport Salisbury Salem Haverhill Amesbury Lynn Federal Home Loan Mortgage Corporation (AOB) Wells Fargo Bank, N.A. as Trustee/P&S Agreement As of 11/1/2005/2005-HE1 Wells Fargo Bank, N.A. as Trustee for ABFC 2006-OPT2 Trust Wells Fargo Bank, N.A. Citigroup Global Markets Realty Corp. Wells Fargo Bank, N.A. as Trustee for the holders of FFMLT 2006-FF15 Match MATCH FORENSICS CLOUD Match X MATCH FORENSICS CLOUD Match X MATCH A to D Match MATCH A to D Match MATCH FORENSICS CLOUD FORENSICS CLOUD A to D Match X Match Match MATCH MATCH MATCH Haverhill Groveland Wells Fargo Bank/ Carrington Mortgage Loan Trust, Series 2006-NC3 ABPTC Haverhill Federal Home Loan Mortgage Corporation (AOB) Lynn Federal National Mortgage Association (AOB) Haverhill Federal National Mortgage Association (AOB) Lynn Amesbury Salem Swampscott Newburyport Salisbury Salisbury Salem Lynn Lynn Amesbury Peabody Swampscott Lynn Middleton Haverhill Haverhill Lynn Marblehead Haverhill Haverhill Rowley Haverhill Lynn Lynn Haverhill Lynn Lynn Wells Fargo Bank, N.A. Federal National Mortgage Association Wells Fargo/Option One Mortgage Loan Trust 2003-2 Wells Fargo/Option One Mortgage Loan Trust 2005-2 Wells Fargo/Option One Mortgage Loan Trust 2007-3 Wells Fargo/Option One Mortgage Loan Trust 2004-2 Wells Fargo Bank, N.A. as Trustee Wells Fargo Bank, N.A. US Bank National Association, as Trustee of MARM 2004-9 Federal Home Loan Mortgage Corporation (AOB) Wells Fargo/Option One Mortgage Loan Trust 2007-CP1 Option One Mortgage Corporation Wells Fargo Bank, N.A. Wells Fargo/P&S Agreement 2005 ABFC Series 2005-WMC1 c/o HomEq Servicing US Bank National Association, as Trustee for Structured Asset Sec. Corp. Trust 2005-WF2 Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. as Trustee for ABFC 2006-OPT2 Trust Wells Fargo Bank, N.A. as Trustee for ABFC 2006-OPT2 Trust Wells Fargo/Option One Mortgage Loan Trust 2003-2 CitiMortgage, Inc. Wells Fargo Bank, N.A. Federal Home Loan Mortgage Corporation
ADDRESS
370 Center Street
w. op Fo re clo
Wells Fargo/Morgan Stanley ABS Capital I Inc. Trust 2005-HE5 c/o BAC Home Loans
38 Lowell Street
74 Primrose Street
St
10
11
16 Fox Run Drive
12
107 Cable Avenue
13
107 Cable Avenue
14
15
51 Autumn Street
16
99 Hurd Street
17
29 Middle Road
18
6 Earley Road
Ex. 47
19
62 Thomas Road
20
56 Purdon Avenue
21
6 Kimber Avenue
22
14 Howard Street
23
14 Howard Street
24
25
2 Orne Street
26
su re
27
28
29
30
8 Pinkham Place
31
41 Rollins Avenue
32
171 East Broadway
33
87 Cottage Street
34
87 Cottage Street
35
36
37
6 Penniman Drive
38
63 Salem Street
Fr au d. co
39
34 Gilbert Avenue
40
15 Rocky Hill Road
41
Page 6 of 15

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CITY ASSIGNEE LATENT DEFECTS FANNIE MAE FHA FREDDIE MAC ABSNET LOAN BLOOMBERG HOLDER MATCHES Haverhill FORENSICS CLOUD FORENSICS CLOUD A to D FORENSICS CLOUD A to D A to D A to D FORENSICS CLOUD FORENSICS CLOUD FORENSICS CLOUD FORENSICS CLOUD A to D FORENSICS CLOUD FORENSICS CLOUD A to D A to D FORENSICS CLOUD A to D FORENSICS CLOUD A to D A to D A to D FORENSICS CLOUD Match Match Match Match Match Match Match Match Match Match Match X Match X Match Match Match X X X X Match X X Match Match X X X Match Match X X Match Match Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. as Trustee for SABR Trust 2004-OP1 Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Match X MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH FORENSICS CLOUD Match X MATCH A to D Match MATCH FORENSICS CLOUD Match X MATCH FORENSICS CLOUD Match FHA X MATCH FORENSICS CLOUD Match X MATCH FORENSICS CLOUD Match X MATCH A to D X Match A to D X Match A to D X Match A to D X Match A to D Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. GMAC Mortgage, LLC Wells Fargo/P&S Agreement to Impac Secured Assets, Corp Series 2005-2 Wells Fargo/Freddie Mac Securities REMIC Trust 2005-S001 c/o JPMorgan Chase Bank Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Match MATCH MATCH MATCH MATCH MATCH FORENSICS CLOUD Match MATCH FORENSICS CLOUD Match X MATCH FORENSICS CLOUD Match MATCH A to D Match MATCH A to D FORENSICS CLOUD FORENSICS CLOUD Match Match Match X X MATCH MATCH MATCH Haverhill Amesbury Lynn US Bank National Association as Trustee fo WFASC 2005-AR3 Peabody Deutsche Bank National Trust Comp, as Trustee for GSAA Home Equity Trust 2006-18 Haverhill Wells Fargo Bank, N.A. as Trustee for Option One Mortgage Loan Trust 2006-1 Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Lynn Salem Peabody Ipswich Haverhill Haverhill Marblehead Amesbury Salisbury Lynn Salem Lynn Lynn Haverhill Haverhill Hamilton Newburyport Haverhill Haverhill Lynn Peabody Danvers Saugus Haverhill Haverhill Haverhill Haverhill Haverhill Peabody Gloucester Lynn Lynn Marblehead Ipswich Gloucester Wells Fargo Bank, Inc. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. as Trustee for RMAC REMIC Trust, Series 2009-3 Turning Point Asset Management, LP Creative Investment Solutions, LLC DTF Asset Management, LLC Wells Fargo Bank, N.A. as Trustee for Carrington Mortgage Loan Trust, Series 2006-OPT1 Wells Fargo Bank, N.A. Federal National Mortgage Association Federal Home Loan Mortgage Corporation (AOB) Wells Fargo Bank, N.A. US Bank/BOA/LaSalle/Thornburg Mortgage Securities Trust 2006-5 Wells Fargo/Carrington Mortgage Loan Trust, Series 2006-FRE2 Wells Fargo/Carrington Mortgage Loan Trust, Series 2006-FRE2 Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo/ABSC Corporation Home Equity Loan Trust, Series OOMC 2005-HE6 Wells Fargo/ABFC 2006-OPT1 Trust Wells Fargo Bank, N.A. Federal National Mortgage Association Wells Fargo/WAMU Series 2006-PR1 Trust Wells Fargo Bank, N.A.
ADDRESS
42
12 Grant Street
43
12 Grant Street
44
427 Main Street
w. op Fo re su re clo
Wells Fargo Bank, N.A, as Trustee for Carrigton Mortgage Loan Trust, Series 2006-NC3
45
25 Beyer Place
46
47
64 Harrison Street
St
48
12 Spencer Street
49
50
7 Blair Terrace
51
8 Currier Park
52
53
54
55
26 Sanborn Terrace
56
12 Palis Drive
57
41 Merrill Avenue
58
177 North Street
59
12 Kimball Road
Ex. 48
60
61
193 River Street
62
193 River Street
63
34 Autumn Lane
64
65
66
67
131 Woodlawn Street
68
3 Ruth Avenue
69
19 West Street
70
11 Marr Road
71
9 Magnavista Drive
72
9 Magnavista Drive
73
9 Magnavista Drive
74
9 Magnavista Drive
75
19 Fernald Avenue
76
2 Scribner Road
77
78
32 Elizabeth Street
79
32 Elizabeth Street
Fr au d. co
80
13 Cottage Street
81
84 High Street
82
Page 7 of 15

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CITY ASSIGNEE LATENT DEFECTS FANNIE MAE FHA FREDDIE MAC ABSNET LOAN BLOOMBERG HOLDER MATCHES Boxford A to D FORENSICS CLOUD A to D FORENSICS CLOUD A to D FORENSICS CLOUD A to D A to D Match Match X Match Match Match X Match Match Match A to D FORENSICS CLOUD FORENSICS CLOUD A to D A to D FORENSICS CLOUD FORENSICS CLOUD A to D A to D A to D A to D A to D A to D FORENSICS CLOUD Match Match Match Match Match Match X X Match Match X X Match Match Match Match Match Match X Wells Fargo Bank, N.A. US Bank National Association, as Trustee for WFMBS 2004-R US Bank National Association, as Trustee for WFASC 2003-17 Match MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH MATCH A to D Match MATCH FORENSICS CLOUD Match X MATCH FORENSICS CLOUD Match X MATCH A to D Match MATCH FORENSICS CLOUD Match X MATCH A to D Match MATCH A to D Match MATCH A to D Match MATCH A to D X Match A to D X Match A to D Wells Fargo Bank, N.A. Federal National Mortgage Association Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Washington Mutual Bank, F.A. FHA Match MATCH MATCH MATCH FORENSICS CLOUD Match X MATCH FORENSICS CLOUD Match (FHA) X MATCH FORENSICS CLOUD Match X MATCH FORENSICS CLOUD Match X MATCH X X X Newburyport Gloucester Bank of America, National Association Salem Wells Fargo/Merrill Lynch Mortgage Investors Trust/Series 2004-OPT1 Wells Fargo Bank, N.A. Lynn Salisbury Citibank N.A. as Trustee for Lehman XS Trust 2006-17 Lynn Beverly Salem Salem Haverhill Wenham Middleton Lynn Beverly Hamilton US Bank National Association, as Trustee for WMLT 2005-A Wells Fargo/ABFC Series 2004-OPT3 Washington Mutual/WAMU Series 2004-PR2 Trust US Bank National Association, as Trustee for Structured Asset Sec. Corp. Trust 2006-WF1 Wells Fargo/ACE Securities Corp. Home Equity Loan Trust, Series 2004-OPT1 HSBC Bank USA as Trustee for ACE SCHEL Trust, Series 2004-OP1 Wells Fargo Bank, N.A. Wells Fargo/Option One Mortgage Loan Trust 1999-C Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Federal Home Loan Mortgage Corporation Federal Home Loan Mortgage Corporation Wells Fargo/Morgan Stanley Capital I Inc. (MSAC) 2006-HE1 c/o Chase Home Finance, LLC Wells Fargo/ABFC 2006-OPT1 Trust Wells Fargo Bank, N.A. Federal Home Loan Mortgage Corporation Wells Fargo/Option One Mortgage Loan Trust Series 2002-2 Option One Mortgage Corporation HSBC Bank USA as Trustee for Wells Fargo Home Equity Trust 2005-1
ADDRESS
83
84
85
w. op Fo re clo su re
86
87
48 Friend Street
88
54 Congress Street
St
Lynn Peabody Haverhill Beverly Beverly Saugus Lynn Haverhill Beverly Swampscott Danvers Gloucester South Hamilton Lynn Rockport Lynn Lynn Lynn Rowley Peabody Salem Lynn Haverhill Lynn Wells Fargo Bank, N.A. Deutsche Bank National Trust Company for HIS Asset Loan Obligation Trust 2007-WF1 US Bank National Association, as Trustee for WFMBS 2007-07 Wells Fargo//Securitized Asset Backed Recievables LLC/ Series 2005-FR2 Wells Fargo/SABR Trust 2006-OP1 BONY Mellon/JPMorgan Chase Bank as Trustee ... Bear Stearns ALT-A Trust 2004-7 Wells Fargo Bank, N.A. as Trustee for Carrington Mortgage Loan Trust Series 2006-NC5
89
90
9 Russell Street
91
6 Cottage Street
92
6 Cottage Street
93
94
78 Maple Street
95
67 Forest Street
96
97
98
258 Moulton Street
99
100
34 Arvidson Road
Ex. 49
US Bank National Association, as Trustee for Banc of America Funding Corp. 2006-G 1/30/2012 McDonnell Property Analytics, Inc., All Rights Reserved
101
96 Birch Street
102
11 Kimball Street
103
104
105
5 Emory Court
106
22 Perley Street
107
5 Apple Street
108
109
79 Eastman Avenue
110
110 Burley Street
111
18 Fair Street
112
14 Gail Avenue
113
114
6 Hodgkins Road
115
116
117
29 Williams Avenue
118
119
42 Herrick Road
120
Fr au d. co
121
122
49 Myron Road
123
Page 8 of 15

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CITY ASSIGNEE LATENT DEFECTS FANNIE MAE FHA FREDDIE MAC ABSNET LOAN BLOOMBERG HOLDER MATCHES Lynn Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. FHA FHA FHA X X X X X X X X X FHA FHA X X X X X X X VA FHA X X X X X X Wells Fargo Bank, N.A. FHA X Haverhill Haverhill Haverhill Danvers Amesbury Boxford (Haverhill) Danvers Gloucester Amesbury Beverly Swampscott Peabody Newburyport Newbury Rockport Beverly Rockport West Newbury Haverhill Haverhill Haverhill Danvers Byfield (Newbury) Beverly Haverhill Lynn Lynn Haverhill Groveland Georgetown Lynnfield Lynnfield Beverly Danvers Lynn Haverhill Lynn Haverhill Peabody Swampscott Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Home Mortgage, Inc. Bank of America Mortgage Capital Corporation Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. FHA Wells Fargo Bank, N.A. Secretary, Department of Veteran's Affairs Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. MERS as Nominee for Mortgage Network, INC. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. The Secretary Of Housing and Urban Development Wells Fargo Bank, N.A.
ADDRESS
124
125
675 Primrose Street
126
824 Broadway Street
w. op Fo re clo su re
127
128
129
184 Main Street
St
130
131
7 Cross Street
132
133
134
55 Essex Street
135
41 Fairview Avenue
136
8 Home Street
137
25 Milk Street
138
8 51st Street
139
212 Granite Street
140
12 Dartmouth Street
141
212 Granite Street
Ex. 50
142
24 Baileys Lane
143
65 Harrison Street
144
145
79 Blossom Street
146
15 Merrill Street
147
80 Main Street
148
180 Bridge Street
149
150
VA
151
152
FHA
153
154
1 Larch Road
155
8 Shady Nook Lane
156
8 Shady Nook Lane
157
53 Chase Street
158
19 West Street
159
91 Timson Street
FHA
160
16 Damon Avenue
161
307 Parkland Avenue
Fr au d. co
X X X X
162
818 Amesbury Road
163
25 Winter Street
m
Page 9 of 15
164
2 Higgins Terrace

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CITY ASSIGNEE LATENT DEFECTS FANNIE MAE FHA FREDDIE MAC ABSNET LOAN BLOOMBERG HOLDER MATCHES Lynn Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. FHA FHA X X X X X X X X X X X FHA X X Wells Fargo Bank, N.A. FHA X Haverhill Haverhill Saugus MERS as Nominee for Mortgage Network, INC. Wells Fargo Bank, N.A. Amesbury Amesbury Wells Fargo Bank, N.A. as trustee of RMAC REMIC Trust 2009-4 Peabody Peabody Peabody Peabody Peabody Peabody Saugus Haverhill Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. DTF Asset Management, LLC, in c/o FCI Lender Services, Inc. DTF Asset Management, LLC Creative Investment Solutions, LLC Turning Point Asset Management, LP
ADDRESS
165
17-19 Smith Street
166
167
w. op Fo re
58 57 21.91% 49.57% 48.72% 98.29% 7.30% 10.11% 32.02% 4.49% 39 TRANSPARENCY: LATENT DEFECTS: FORENSICS CLOUD: 13 18 A to D ASSIGNMENTS:
168
234 Essex Street
169
170
St
57
171
2 Fountain Street
172
2 Fountain Street
173
2 Fountain Street
174
2 Fountain Street
175
2 Fountain Street
176
44 Home Street
177
28 Denver Street
178
178
117
clo su re
Ex. 51
PERCENTAGE OF FORENSICS CLOUDS PER HOLDER MATCH: PERCENTAGE OF "A to D DEFECTS" PER HOLDER MATCH: 1/30/2012 McDonnell Property Analytics, Inc., All Rights Reserved
65.73%
Fr au d. co
m
Page 10 of 15
CERTIFICATE OF COMPLIANCE This brief complies with the rules of court that pertain to the filing of briefs, including, but not limited to: Mass. R. A. P. 16(a)(6) (pertinent findings or memorandum of decision); Mass. R. A. P. 16(e) (references to the record); Mass. R. A. P. 16(f) (reproduction of statutes, rules, regulations); Mass. R. A. P. 16(h) (length of briefs); Mass. R. A. P. 18 (appendix to the briefs); and Mass. R. A. P. 20 (form of briefs, appendices, and other papers).
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_____________________________ Marie McDonnell, President
Fr au d. co

SHAM ASSIGNMENTS - McDonnell Amicus Supp Brief As Filed 1-30-2012 in Eaton V FNMA

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SHAM ASSIGNMENTS - McDonnell Amicus Supp Brief As Filed 1-30-2012 in Eaton V FNMA

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FOR THE COMMONWEALTH OF MASSACHUSETTS NO.

SJC-11041 SUFFOLK COUNTY

HENRIETTA EATON, PLAINTIFF-APPELLEE, v.

ON APPEAL FROM AN INTERLOCUTORY ORDER OF THE SUFFOLK SUPERIOR COURT

SUPPLEMENTAL BRIEF OF AMICUS CURIAE MARIE MCDONNELL, CFE

Dated: January 30, 2012

FEDERAL NATIONAL MORTGAGE ASSOCIATION & ANOTHER, DEFENDANTS-APPELLANTS.

Supreme Judicial Court

Exhibit F Latent Defects ................ Ex. 43

Exhibit E The Ibanez Defect ............. Ex. 36

STATEMENT OF AMICUS INTEREST

As before, this analysis is grounded in facts

SUPPLEMENTAL BRIEFING ORDER

SUMMARY OF THE ISSUES

different entities during the foreclosure process, I

BACKGROUND & METHODOLOGY

Analytics, Inc. to conduct an audit to test the integrity of Salem Deeds.

the subject banks in an attempt to resolve fraudulent foreclosure practices.

the public records to detect invalid documents and gaps

selecting all assignments of mortgage that were 3

the public some guidelines as to how they can research

Attorneys General who are brokering a settlement with

We also wanted to prove the

(Salem Deeds), commissioned McDonnell Property

sample was not random or arbitrary; we included every

determine whether an assignment was either: valid,

on Massachusetts law that we could rely upon to

Wells Fargo Bank, N.A., and Bank of America, N.A.

CONTROL GROUP DEFINED

Subset of Audit: 275 of 565 (49%) Assignments Relate to a Foreclosure

the underlying mortgage that related to each of the 275

When we reviewed the chain of title beginning with

Gaps in the Chain of Title & Wild Deeds

translates to a transparency rate of 68.73%. In other

assignments and 23 properties involving JPMorgan Chase;

Because the occurrence of a clouded title within

From this data, the Court can be assured that

RECORDED DOCUMENTS EVIDENCING A SEPARATION

Assignments of Mortgage & Assignments of Bid

To measure how frequently this phenomenon occurs

Electronic Registration Systems, Inc. (MERS) as

Classification of Assignments of Mortgage)

Table 1: Classification of Assignments of Mortgage

Number of Assignments Reviewed Number of Properties Involved

JPMorgan Chase Bank

Non-MERS Assignments of Bid

Assignments of Bid Post-Foreclosure (29)

MERS Registered Assignments of Bid

Assignments Included Note & Mortgage

Non-MERS Mortgage Assignments (121)

Assignments Included Note & Mortgage Assignments Included Mortgage Only

Assignments Included Mortgage Only

MERS Registered Mortgage Assignments (125)

phenomenon occurred in our control group 98 out of 125 times (78.40%).

of itself, create a cloud on title. This could

FORENSIC EXAMINATION OF LATENT TITLE DEFECTS

Eaton and Ibanez Type Defects are Pervasive

assignments relating to 473 mortgages that became part

notice (of foreclosure) were executed and recorded on

found that an assignment of mortgage and an order of

properties we had already examined were at some stage

of the study. We attempted to trace the ownership of

(See Exhibit D. - The