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Sample - Chain of Title Analysis Package

Cover / Transaction Summary Pages
Can be private-labeled at the clients request Explains the concept of mortgage securitization in laymans terms, for homeowners Gives an idea of how/why we argue what we argue

Strategy Page Gives Attorneys and paralegals a summary of our findings Transaction Participants Page
Gives Attorneys and paralegals the information needed to draft complaints and serve the proper parties

MCI Securitization Flowchart as an Exhibit (if applicable)

Visually describes the complex securitization process, understandable for homeowners and judges Customized for each clients specific loan situation, as accuracy is necessary Contains references to specific paragraphs in the Analysis, so someone can follow along easily

Chain of Title Analysis RMBS or GSE loans

We will complete a comprehensive state-specific Analysis to address issues regarding securitization and the lack of proper implementation of the rules and procedures that govern the SPV We include Bloomberg screenshots with loan-level data showing fractionalization of the intangible payment stream. All governing documents such as PSA and Prospectus are also provided Each title holder is linked to the previous title holder, and to any subsequent title holders, through transfers and endorsements forming a chain of title as disclosed through various public and private entities. This is equivalent to a chain of custody These preliminary findings will show by operation of law that the Debt Obligation and Security Instrument have become bifurcated; thus any institution claiming ownership of the loan and mortgage lacks standing to foreclose based on what has been filed into public record and according to the local laws of jurisdiction State statutes, relevant Supreme Court rulings, and UCC codes will all be used in support of our arguments Our Analysis is comprehensive in nature and enables a client to formulate and articulate the arguments pursuant to the local laws of jurisdiction, and can be used within the four corners of pleadings without having to do further research. Affidavits come witnessed and notarized, and blue-ink originals are mailed to whichever address the client has provided, ready to be placed into court as exhibits If requested for trial appearance, Expert Witness testimony is available for an additional price

Case Number: Date

13-2-23 Doe 02/27/2013

Client Name: Property Address Property County: Lender Notes:

Jane Doe 1234 Fake Street, Anytown, TX 56789 ABCD County Cambridge Funding Group Inc

Tangible Security Instruments [Note corresponding to this Deed of Trust not exhibited] Deed of Trust signing date: March 2, 2007 recordation date: March 14, 2007 instrument # 20070564097 lender: Cambridge Funding Group Inc. servicer: BAC Home Loans Servicing LP loan amount: $475,000.00 Assignment of Deed of Trust #1 signing date: July 22, 2011 record date: July 26, 2011 instrument # 20110996902 assignor: MERS assignee: BAC Home Loans Servicing LP fka Countrywide Home Loans Servicing LP Assignment of Deed of Trust #2 signing date: June 19, 2012 record date: June 20, 2012 instrument # 20120915990 assignor: Bank of America N.A. successor by merger to BAC Home Loans Servicing LP fka Countrywide Home Loans Servicing LP assignee: HSBC Bank USA, NA as Trustee for the Holders of the ALT-A Securities Mortgage Loan Trust Mortgage Pass-Through Certificates Series 2007-AR3.

Intangible Debt Investors Mortgage Backed Security trust name: DBALT 2007-AR3 Trust mbs governing trust state: New York closing date: April 30, 2007 sponsor: Deutsche Structured Products, Inc. depositor: Deutsche Alt-A Securities, Inc. trustee: HSBC Bank USA, NA

Findings: Warning - Current state of Note not seen Warning - Indorsements on Note for each Assignment of Deed of Trust assignee not seen Warning - Assignment #1 can not be made to servicer BAC Home Loans Servicing LP Warning - Assignment #2 of Deed of Trust was not signed or recorded before PSA Closing Date Warning - PSA mandated sequence of Assignments of Deed of Trust has not been followed

TRANSACTION PARTICIPANTS

ORIGINATOR/LENDER Bank of America, N.A. 100 N. Tyron Street Charlotte, NC 28255

SERVICER Bank of America, N.A. 100 N. Tyron Street Charlotte, NC 28255

DEPOSITOR Bank of America, N.A. 100 N. Tyron Street Charlotte, NC 28255

SELLER Countrywide Home Loans, Inc., 4500 Park Granada MSN# SVB-314 Calabasas, CA 91302-1613

TRUSTEE The Bank of New York 101 Barclay Street New York, New York 10286 Attn: Corporate Trust MBS Adminstration

MORTGAGE ELECTRONIC REGISTRATION SYSTEMS 1818 Library Street, Suite 300 Reston, VA 20190