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EXHIBIT A
Summaryof530TrustsCoveredundertheProposedCountrywideSettlement($inmillions)
Collateral
Vintage
2004
2005
2006
2007
2008
#of
#of
Trusts
Loans
110
426,137
170
560,181
150
467,987
99
236,961
1
246
530 1,691,512
Original Realized
Collateral
Loss
$89,917
$2,643
$142,967 $12,970
$120,025 $21,265
$73,469 $10,635
$162
$5
$426,539 $47,518
Active
Collateral
$13,391
$40,605
$44,138
$35,748
$56
$133,937
Loans
Modified
17,357
41,099
60,584
35,653
17
154,710
%loans
Modified
4.1%
7.3%
12.9%
15.0%
6.9%
9.1%
Modified
Collateral
$3,158
$9,714
$14,895
$10,429
$10
$38,205
Modified
StillActive
$2,436
$7,621
$12,006
$8,992
$9
$31,064
Losson
Active
$100
$440
$879
$614
$0
$2,035
Losson
Liquidated
$338
$1,183
$1,914
$836
$0
$4,270
%loans
Modified
NA
NA
NA
16.1%
6.9%
16.1%
Modified
Collateral
$0
$0
$0
$6,166
$10
$6,175
Modified
StillActive
$0
$0
$0
$5,361
$9
$5,370
Losson
Active
$0
$0
$0
$350
$0
$350
Losson
Liquidated
$0
$0
$0
$458
$0
$459
%loans
Modified
4.1%
7.3%
12.9%
13.9%
NA
8.6%
Modified
Collateral
$3,158
$9,714
$14,895
$4,263
$0
$32,030
Modified
StillActive
$2,436
$7,621
$12,006
$3,631
$0
$25,694
Losson
Active
$100
$440
$879
$265
$0
$1,685
Losson
Liquidated
$338
$1,183
$1,914
$377
$0
$3,812
62TrustsServicerisNOTRequiredtoPurchaseModifiedLoans($inmillions)
Collateral
Vintage
2004
2005
2006
2007
2008
#of
Trusts
0
0
0
61
1
62
#of
Loans
0
0
0
124,441
246
124,687
Original Realized
Collateral
Loss
$0
$0
$0
$0
$0
$0
$44,292
$5,912
$162
$5
$44,454
$5,917
Active
Collateral
$0
$0
$0
$21,762
$56
$21,818
Loans
Modified
0
0
0
20,062
17
20,079
468TrustsServicerisRequiredtoPurchaseModifiedLoans($inmillions)
Collateral
Vintage
2004
2005
2006
2007
2008
#of
#of
Trusts
Loans
110
426,137
170
560,181
150
467,987
38
112,520
0
0
468 1,566,825
Original Realized
Collateral
Loss
$89,917
$2,643
$142,967 $12,970
$120,025 $21,265
$29,177
$4,724
$0
$0
$382,085 $41,601
Active
Collateral
$13,391
$40,605
$44,138
$13,985
$0
$112,119
Loans
Modified
17,357
41,099
60,584
15,591
0
134,631
Redacted
The Timeline
Redacted
139987080
CWHL 2006-13
Countrywide
July 7, 2006
Purchase
$828,500
$662,800
80% / 90%
30Y Fixed
6.625%
Jul 7, 2006
The 1st lien loan in the amount of $662,800 was sold into
the CWHL 2006-13 trust.
Subject Property
Address
Location
Type
Use
Year House Built
BR/BA
Gross Living Area
Site/Yard
Purchase Date
Purchase Price
Amount Financed
Seller Concession
Cost of Closing
Borrower Paid
Findings
1. Property
800k
Second Lien
First Lien
Loss / no collateral
Sold @ $828K
2
1
Sold
@ $750K
600k
400k
200k
2. 2nd Lien
0.0
-200k
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
Redacted
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Street Address
Miles
Size
Yard
XXXX XXXXX St
0.00
2,318
3,817
XXXX XXXXXX St
XXXX XXXXXX St
XXXXX XXXXXX Ave
XXXX XXXXXX St
XXXX XXXXXX St
XXXX XXXXXX Pl
XXXXX XXXXXX Rd
XXXX XXXXXX St
XXXX XXXXXX Pl
XXXX XXXXXX St
XXXX XXXXXX St
XXXX XXXXXX St
XXXX XXXXXX St
XXXX XXXXXX St
XXXX XXXXXX St
XXXXX XXXXXX Dr
XXXXX XXXXXX Ave
XXXXX XXXXXX Ave
XXXXX XXXXXX Ave
XXXXX XXXXXX Ave
XXXX XXXXXX St
XXXX XXXXXX St
XXXX XXXXXX St
XXXX XXXXXX St
XXXX XXXXXX St
XXXX XXXXXX St
XXXX XXXXXX St
XXXX XXXXXX St
XXXX XXXXXX Expy
XXXX XXXXXX St
0.05
0.13
0.15
0.15
0.20
0.20
0.21
0.22
0.24
0.25
0.43
0.43
0.48
0.58
0.63
0.64
0.64
0.64
0.64
0.66
0.69
0.71
0.71
0.72
0.72
0.72
0.72
0.75
0.75
0.75
2,080
2,016
2,033
2,068
2,054
1,919
2,112
1,894
2,040
2,722
2,200
2,380
2,278
1,872
1,929
2,092
2,228
2,103
2,104
2,008
1,897
1,975
2,095
1,866
2,000
1,800
2,487
2,320
2,233
1,862
4,600
3,000
3,800
2,900
4,000
4,000
4,400
3,325
2,700
2,700
3,750
3,000
2,900
4,600
4,000
3,696
4,166
4,450
4,500
4,242
4,400
4,000
4,000
4,000
4,000
4,000
4,000
4,242
4,000
4,000
2011Tax Date
Price
Px/sqft
$3,925 07/07/06
05/01/10
$828,500
$243,000
$357
$105
$5,993
$6,072
$5,655
$6,347
$4,825
$4,915
$5,438
$2,890
$2,566
$6,564
$5,322
$6,468
$6,322
$5,439
$4,007
$6,072
$4,669
$6,509
$6,260
$7,074
$6,611
$4,875
$5,457
$4,746
$4,646
$5,929
$5,208
$5,294
$6,713
$5,185
$685,000
$834,000
$740,000
$775,000
$749,000
$921,125
$645,000
$527,000
$699,000
$730,000
$980,000
$600,000
$875,000
$651,000
$600,000
$635,000
$630,000
$710,000
$810,000
$880,000
$784,000
$660,000
$672,000
$666,000
$750,000
$775,000
$687,000
$680,000
$760,000
$570,000
$329
$414
$364
$375
$365
$480
$305
$278
$343
$268
$445
$252
$384
$348
$311
$304
$283
$338
$385
$438
$413
$334
$321
$357
$375
$431
$276
$293
$340
$306
09/29/10
06/23/09
12/30/10
03/28/11
04/16/10
06/13/09
12/17/09
06/14/10
06/09/10
12/17/09
03/22/10
04/22/11
06/10/11
08/12/09
03/01/11
05/17/11
03/26/10
12/13/10
09/02/09
08/21/09
03/27/09
11/03/10
11/09/09
11/04/10
10/26/09
06/11/09
10/06/10
01/28/10
05/17/10
01/13/10
Purchase in 2006
Loan mod in 2010
max px/sqft
$480
avg px/sqft
$349
min px/sqft
$252
within
0.75 miles
2. The above list of comparable properties are selected based on square footage, lot size, property tax and proximity to the subject
property. We are showing 30 comparable properties in the table above that are within 0.75 miles of the subject property. We also
examined comparable properties within 1.5 miles with almost identical results.
3. All the transactions cited above are from the period of 2009 to 2010 to match the time frame of the subject property's loan
modification (finalized in May 2010).
4. The above price levels are consistent with a 20% drop from the 2006 peak for the New York metropolitan area. The subject
property was purchased in 2006 at $828,500. A 20% drop would lead to a $663,000 fair value, much higher that the $243,000
interest bearing principal (after modification).
Redacted
The Timeline
Redacted
152389269
CWHL 2006-19
Countrywide
November 2, 2006
Purchase
$720,000
$575,900
80% / 90%
10 Y IO
6.500%
Nov 2, 2006
Nov 2, 2006
The subject loan was sold into the CWHL 2006-19 trust.
Oct 5, 2007
Subject Property
Address
Location
Type
Use
Year House Built
BR/BA
Gross Living Area
Site/Yard
Purchase Date
Purchase Price
Amount Financed
Seller Concession
Cost of Closing
Borrower Paid
Findings
900k
1. Property
800k
Second Lien
First Lien
Loss / no collateral
Sold @ $720K
700k
600k
500k
$110k Potential
gain / value transfer
from 1st lien to the
2nd lien
400k
300k
200k
2. 2nd Lien
100k
0.0
-100k
-200k
-300k
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
Redacted
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Street Address
Miles
Size
Yard 2011Tax
Date
xxxxx XXXXXX Dr
0.00
XXXX XXXXXX Ct
XXXXX XXXXXX Dr
XXXXX XXXXXX Dr
XXXXX XXXXXX Dr
XXXXX XXXXXX Dr
XXXXX XXXXXX Dr
XXXXX XXXXXX Dr
XXXXX XXXXXX St
XXXXX XXXXXX St
XXXX XXXXXX St
XXXXX XXXXXX Dr
XXXXX XXXXXX Dr
XXXXX XXXXXX Dr
XXXXX XXXXXX Dr
XXXXX XXXXXX St
XXXX XXXXXX St
XXXXX XXXXXX Ln
XXXXX XXXXXX Ln
XXXXX XXXXXX Ln
XXXXX XXXXXX Pl
XXXXX XXXXXX Ave
XXXX XXXXXX Dr
XXXX XXXXXX Dr
XXXX XXXXXX Dr
XXXX XXXXXX Dr
XXXXX XXXXXX Ave
XXXX XXXXXX Pl
XXXX XXXXXX Pl
XXXX XXXXXX Pl
XXXXX XXXXXX Ave
XXXX XXXXXX St
0.03
0.03
0.03
0.03
0.03
0.06
0.07
0.07
0.07
0.08
0.09
0.09
0.10
0.10
0.12
0.12
0.13
0.15
0.16
0.54
1.00
1.07
1.07
1.49
1.49
2.47
2.58
2.62
2.62
2.95
2.95
Price
Px/sqft
3,258
8,276
$3,925
11/02/06
05/26/10
$719,990
$282,842
$221
$87
3,419
3,190
3,312
3,312
3,455
3,209
3,302
3,252
3,311
3,419
3,265
3,259
3,237
3,240
3,270
3,258
3,388
3,369
3,280
3,157
3,173
3,093
3,206
3,179
3,028
3,083
3,045
3,121
3,121
3,024
3,091
7,405
5,663
5,227
5,227
5,663
5,663
5,663
5,663
6,534
6,534
5,227
5,663
5,227
5,227
6,534
7,841
5,227
5,663
6,534
8,712
8,712
8,276
8,712
8,276
8,276
7,405
8,276
8,712
7,841
8,276
7,405
$4,788
$5,487
$5,528
$5,528
$5,070
$5,456
$5,506
$4,899
$4,915
$4,980
$4,981
$5,654
$4,979
$5,560
$5,039
$4,977
$4,975
$5,104
$4,940
$4,666
$6,576
$6,763
$6,253
$5,802
$5,773
$4,587
$5,152
$4,502
$4,502
$5,069
$4,617
07/06/10
07/07/09
07/23/11
08/11/11
12/11/09
12/18/09
05/11/09
04/28/09
04/19/11
01/16/09
11/03/09
07/16/09
08/09/11
07/19/11
02/22/11
12/08/09
12/08/09
10/23/09
11/23/09
05/27/09
03/24/09
05/24/11
08/05/10
10/15/09
06/22/09
09/22/10
11/23/10
01/08/09
04/10/09
03/24/09
03/23/11
$450,000
$570,000
$582,500
$583,500
$540,000
$618,000
$669,000
$539,000
$502,450
$540,000
$514,000
$688,500
$495,000
$588,082
$470,100
$525,000
$569,989
$599,989
$559,000
$495,000
$629,000
$600,000
$645,000
$640,000
$644,300
$435,000
$350,000
$540,000
$488,350
$510,000
$442,000
$132
$179
$176
$176
$156
$193
$203
$166
$152
$158
$157
$211
$153
$182
$144
$161
$168
$178
$170
$157
$198
$194
$201
$201
$213
$141
$115
$173
$156
$169
$143
Purchase in 2006
Loan mod in 2010
max px/sqft
$213
Avg px/sqft
$170
min px/sqft
$115
within
3 miles
Redacted
The Timeline
Redacted
143724897
CWALT 2006-28CB
Countrywide Home Loans Inc
August 10, 2006
Purchase
$725,000
$580,000
80% / 80%
10Y IO (30Y term)
6.875%
Aug 7, 2007
Subject Property
Address
Location
Type
Use
Year House Built
BR/BA
Gross Living Area
Site/Yard
Purchase Date
Purchase Price
Amount Financed
Seller Concession
Cost of Closing
Borrower Paid
XXXX XXXXX St
Redacted
Jamaica, NY 11418
2-4 Units
Owner Occupied
1930
NA / NA
1,512 sqft
3,680 sqft
August 10, 2006
$835,000
$580,000
NA
NA
NA
Findings
1.0M
1. Property
2. 2nd Lien
Second Lien
First Lien
Loss / no collateral
800k
Appraised @ $725k
Sold @ $835k
600k
400k
200k
0.0
-200k
-400k
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
Redacted
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Street Address
Miles
Size
Yard 2011Tax
Date
Price
Px/sqft
XXXX XXXXX St
0.00
1,512
3,680
$7,343
08/10/06
06/26/10
$835,000
$221,000
$552
$146
XXXX XXXXX St
XXXX XXXXX St
XXXX XXXXX St
XXXX XXXXX St
XXXX XXXXX St
XXXX XXXXX St
XXXX XXXXX St
XXXX XXXXX St
XXXXX XXXXX St
XXXXX XXXXX St
XXXXX XXXXX St
XXXXX XXXX Ave
XXXXX XXXXX St
XXXX XXXXX St
XXXXX XXXXX St
XXXX XXXXX St
XXXXX XXXXX St
XXXXX XXXX Ave
XXXXX XXXXXX St
XXXXX XXXXXXXXXXX
XXXXX XXXXX St
XXXX XXXXX St
XXXXX XXXXX Ave
XXXXX XXXXX St
XXXXX XXXXX St
XXXXX XXXXX St
XXXXX XXXXX St
XXXXX XXXXX St
XXXXX XXXXX Ave
XXXXX XXXXXXXX
0.16
0.26
0.31
0.31
0.36
0.37
0.41
0.43
0.44
0.54
0.55
0.59
0.59
0.64
0.67
0.72
0.77
0.78
0.79
0.80
0.80
0.84
0.86
0.86
0.88
0.89
0.90
1.01
1.07
1.22
1,472
1,280
1,260
1,594
1,418
1,420
1,432
1,320
1,428
1,344
1,720
1,332
1,344
1,440
1,388
1,328
1,384
1,536
1,598
1,344
1,520
1,312
1,750
1,328
1,314
1,616
1,314
1,288
1,586
1,278
1,600
2,200
1,858
2,760
2,000
2,760
3,938
2,000
2,460
2,270
2,478
2,407
2,218
1,800
2,321
2,500
2,017
2,500
1,618
2,000
3,025
2,458
4,000
2,400
2,335
2,067
2,335
2,086
2,185
1,800
$3,047
$3,040
$3,047
$2,785
$2,858
$3,234
$3,751
$2,475
$3,196
$2,784
$3,869
$3,061
$3,007
$3,524
$2,830
$3,107
$3,220
$3,071
$4,414
$3,405
$3,192
$3,114
$4,080
$3,422
$2,521
$1,028
$2,521
$2,604
$2,784
$3,207
04/29/10
04/15/10
04/22/10
01/15/10
05/17/10
04/08/10
05/03/10
02/12/10
05/17/10
02/01/10
04/02/10
03/19/10
04/29/10
03/12/10
04/20/10
04/08/10
05/05/10
05/20/10
04/12/10
04/21/10
05/11/10
05/18/10
03/11/10
05/10/10
04/27/10
03/02/10
02/18/10
04/21/10
05/19/10
04/29/10
$273,780
$328,600
$285,000
$265,000
$270,000
$345,000
$385,000
$320,000
$325,000
$197,000
$485,000
$295,000
$400,000
$420,000
$376,300
$468,000
$328,600
$392,200
$324,000
$360,000
$350,000
$415,000
$470,000
$332,000
$350,000
$285,000
$240,000
$330,000
$360,000
$480,000
$186
$257
$226
$166
$190
$243
$269
$242
$228
$147
$282
$221
$298
$292
$271
$352
$237
$255
$203
$268
$230
$316
$269
$250
$266
$176
$183
$256
$227
$376
Purchase in 2006
Loan mod in 2010
max px/sqft
$376
Avg px/sqft
$246
min px/sqft
$147
within
1.5 miles
EXHIBIT B