Date: 5/31/2012

To: Wells Fargo/Select Portfolio Servicing 3815 South West Temple Salt Lake City, UT 84115
RE: Loan #: 0152038428 Property Address: 301 New York Road, Browns Mills, NJ 08015 Owner Mailing Address: 325 E. Jimmie Leeds Road, Ste. 199, Galloway, NJ 08205 1) 2) 3) RESPA Qualified Written Request and Complaint FDCPA Dispute of Debt & Validation of Debt Letter Request That You Cease Contact with Anyone Other than Us about this Mortgage and Note

Requests:

Dear Sir/Madam, We are in receipt of a communication dated 5/18/2012 which can be interpreted to directly violate the FDCPA and several consumer protection provisions found under RESPA. A QWR and a specific request to cease contact with the original borrower, who has been discharged from this debt, was sent and validated on 2/7/12 by Bank of America, the previous company claiming to be the servicer on the rd account and also to SPS in 4/2012. A 3 request was also sent to SPS on 4/30/12. Your letter would seem to ignore each of those direct requests. Due to the recent mortgage market meltdown and your involvement in this market, and as we are the current owners of the deed to the above referenced property, we are concerned over the legitimacy of this loan, and/or that this previous loan was not properly credited, amortized, calculated, and serviced properly. We are also concerned with the ownership, legitimacy, and continuing existence of the promissory note; to whom an actual obligation may or may not be owed; who was the actual lender; and the authority of any entity of non-financial interest to demand/collect payments and/or negotiate the purchase/repurchase of a promissory note from the actual lender. We are writing to complain about the validity of a certain title lien, and/or multiple inconsistencies with the servicing of the mortgage identified by the lien and our need for understanding and clarification of various securitization legalities, charges, credits, debits, transactions, action, payments analysis and records related to the servicing of this loan from its inception to the present date. As such, please treat this letter as a "Qualified Written Request" under the Real Estate Settlement Procedures Act (RESPA), codified as Section 2605(e) of Title 12 of the United States Code. We are the sole owners of the above referenced property. We are very concerned that you have violated the Fair Debt Collection Practices Act by ignoring our cease and desist requests, for attempting to collect payments that you are not entitled to collect or to which, through your PSA can be shown that you have already been paid for, as well as violations of the contractual agreement set forth in the promissory note and mortgage or deed of trust and/or PSA identified by the now disputed lien or cloud on our title. As we are sure you are aware, mortgage servicing fraud is rampant. We are exploring various options to protect our property. A house is a very important and valuable asset that we desire to protect. Please don't infer any negative connotation by this letter, but the industry-wide practices employed in recent years are troubling and it is imperative for us to guard our new asset against future problems, including but not limited to the reporting of negative information to the credit reporting bureaus, or unsubstantiated collection activity and harassment. We have contracted with a firm to audit the initial origination, any true sales, apparent robo-signing evident in recorded documentation, and the PSA securitization linked to the mortgage loan that you service as we explore various recoupment, sale, refinancing, loan, business, and financial options. In order to conduct this examination and audit, we need to have full and immediate disclosure including copies of all pertinent information related to this loan. As such please send (to at the address below) copies of the following documents and answers to these servicing-related questions below within a 60 day time frame.

I DOCUMENTS NEEDED TO CONDUCT AUDIT 1) All "master" transaction registers/ledgers of the loan of question in your servicing files or backup files with you or any sub-service, or ASSIGN, including but not limited to the fidelity mortgage servicing system, FiServ or any mortgage servicing system you use. Please provide all information residing in any data field in the system or any component that supports the system that deals with any of the questions listed below. (no screen or partial dumps or spreadsheets please). 2) Also, please provide and include all description and legends of all Codes used in your mortgage servicing and accounting system so that the examiners, auditor and experts I have retained to audit and review my mortgage account may properly conduct their work. 3) A certified copy of the front and back portion of the current mortgage or deed of trust as it exists today along with all assignments whether recorded or not. 4) A certified copy of the front and back portion of the current wet-signed promissory note as it exists today along with all endorsements, affixed or un-affixed allonges, and assignments whether recorded or not.

5) Proof of possession, by notary, of the original wet-signed promissory note, mortgage and deed of trust from the inception of the loan in question, along with all endorsements, affixed or un-affixed allonges, and assignments whether recorded or not.

6) Cancelled checks, wire transmittals or other evidence of payment for each assignment of the promissory note.

7) All executed, recordable and "non-recordable" assignments associated with the loan including, but not limited to assignments, transfers, allonges, or other documents evidencing a transfer, sale or assignment of the mortgage, deed of trust, promissory note or other document that secures payment to an obligation in this account from the inception of the loan to the present date.

8) All records, electronic or otherwise, of assignments of the mortgage, deed of trust, promissory note, or servicing rights to the mortgage or deed of trust.

9) All escrow analyses conducted on the account from the inception of the loan until the date of this letter.

II SERVICING RELATED QUESTIONS After the recent problems in the mortgage market, we have many servicing-related questions in addition to the questions enumerated above. Please answer the following questions: 1) What is your actual servicing relationship with the loan in question? Are you the servicer, master servicer, interim servicer, private label servicer, default servicer, sub-servicer, and/or special servicer of the loan?

2) Has the promissory note ever been securitized? If so kindly inform us of the following information: a. All trusts, SPVs, QSPEs, REMICS, and other entities that the note has been assigned to from its inception to the current date. b. The current trust, SPV, QSPE, SPE, REMIC or entity that owns the note. 3) Is there any Fannie Mae, Freddie Mac, Ginnie Mae, FHA, HUD, VA or private guarantee related to the loan? If yes, who has provided this guarantee and what portion of the payment goes to this guarantee and have gone to this guarantee in the past? 4) Who is the document custodian that safeguards and holds the "original" promissory note that was signed in ink and at what address may that person be found? 5) Does the original promissory note currently have any "blank endorsements" on it? [Yes/No]. a. If yes, can you kindly explain why? b. If yes, can you kindly tell us as of the date written above: i. Who owns the note and is the actual current "lender" and not servicer of the note? ii. Who claims to be the holder of the note? iii. Has the United States government ever owned the note? 6) Does the original promissory note properly reflect the chain of title from one interest to another? [Yes/No] a. If yes, can you kindly send certified document showing this chain of title and recordation? 7) Are there any missing assignments? [Yes/No] a. If yes, can you kindly explain why? 8) Has any due diligence and/or quality control services conducted by you or any other entity on this loan identified any red flags, frauds, misrepresentations, misstatements, errors, or problems? a. If yes, can you kindly detail such problems to us? 9) Has the loan ever been classified as a "scratch and dent" loan? 10) When will we receive the original (signed in ink) promissory note stamped "Cancelled, Voided, Released or Paid in Full"? 11) Have any BPOs, property inspections, and/or appraisals by you or any investor been conducted on the property since the inception of the loan? [Yes/No] a. If yes, have you charged or assessed any fee to the above account for any BPOs, property inspections or appraisals after the inception of the loan? [Yes/No] b. If yes, kindly tell us that date of such BPO, property inspections or appraisal, the amount paid and provide us with copies of all documents related to each BPO, property inspections or appraisal conducted on the property including, but not limited to reports, orders, invoices and cancelled checks for payments. 12) Who may we contact to negotiate the purchase, refinance, and/or novation of any promissory note? 13) What is the name and date of the pooling and servicing agreement that governs your servicing of the loan? Where can we secure a copy of this agreement? 14) Is there any power of attorney ("POA") filed in the property's county or any other county that governs your relationship with the loan? If yes, kindly identify for us the county where the POA is filed and the filing (instrument) number, name, and date of the POA.

15) At any time during the term of this loan, did the servicer, master servicer, interim servicer, private label servicer, default servicer, sub-servicer, and/or special servicer of the loan change? If the answer is yes, please identify how the original mortgagor was notified of the change of the servicer, master servicer, interim servicer, private label servicer, default servicer, sub-servicer, and/or special servicer of the loan? Please provide copies of all written notification of any change of the servicer, master servicer, interim servicer, private label servicer, default servicer, sub-servicer, and/or special servicer of the loan? 16) At any time during the term of the loan, did the mailing address for making payments change? If yes, identify how was the original mortgagor notified of the change of the mailing address for making payments. If such notification occurred in writing, please provide a copy of such notifications. 17) If during the term of the loan the mailing address for making payments changed, what provision was made to insure that payments made to the previous address were forwarded to the new mailing address, timely and properly posted to the account? 18) Were any fees for late payments charged to the account? If yes, we these fees charged and applied secondary to the mortgage payment each month? Were any late payments caused by said late fees being carried over month after month, and if so, which months? 19) Do you have a direct financial interest in the property (i.e.- purchase or refinance money lent) or is your role solely that of servicer and collector of payments?

III SUSPENSE/UNAPPLIED ACCOUNT QUESTIONS For the purpose of this section, please treat the terms "suspense account" and unapplied account" as one in the same. 1) When will the balance of the escrow account for taxes and insurance with an accounting of such funds be returned? 2) What is the current status of the tax escrow account? How did the current figure get calculated and have taxes been paid when due? If yes, please provide evidence of payment dues dates and dates paid.

3) Has there been any suspense or unapplied account transaction on the account from inception of the loan until present date? a. If yes, why? If no, please skip these questions in this section dealing with suspense and unapplied accounts. b. In a spreadsheet or in a letter form in a columnar format, please detail for each and every suspense or unapplied transaction, both debits and credits that have occurred on the account from the inception of the loan until present date. c. What is the current suspense account balance? d. Why was the money placed into suspense and how will it be allocated to the loan?

IV LATE FEE QUESTIONS 1) Has there been any late fee transaction on the account from the inception of the loan until the present date? a. If yes, why? If no, please skip the question in this section dealing with late fees. b. In a spreadsheet or in letter form in a columnar format, please detail each and every late fee transaction, both debits and credits that have occurred on the account from the inception of the loan until present date? c. What is the current late fee balance?

2) Have you reported the collection of late fees on the account as interest in any statement to the original mortgagor or the Internal Revenue Service? [Yes/No] 3) Do you consider the payment of late fees as liquidated damages to you for not receiving payments on time? [Yes/No] 4) Are late fees considered interest? [Yes/No] 5) Please detail in writing what expenses and damages you incurred for any allegedly late payment? 6) Were any of these expenses or damages charged or assessed to the account in any other way? [Yes/No] If yes, please describe what expenses or charges were charged or assessed to the account? 7) Please describe in writing what expenses you or others undertook due to any payment which you allege were made late. 8) Please identify for in writing the provision, paragraph, section or sentence of any note, mortgage, deed of trust or any agreement signed authorizing the assessment of collection late fees.

Thank you in advance for addressing the question and issues above. Upon receipt of the documents and answers, an exam and audit will be conducted that may lead to further document requests and questions to answer under an additional QWR letter or filing. It is our hope that all the information told to us on multiple occasions by your debt collectors and customer service agents, statements, etc, will be 100% accurate and that you will not need to correct and adjust any errors or abuses identified. We also may request the return of the original wet signed note which is an entitlement under recoupment or we may want to negotiate a purchase price for the original wetsigned note from the actual lender. We do not want a face-to-face meeting to discuss loss mitigation opportunities at this time, but reserve the right to do so in the future. Last, we are specifically requesting that you not contact the original mortgagor and property owner, any of their friends, relatives, neighbors or anyone else, and you must not contact us in any manner except by email and U.S. mail. Telephone conversations cannot be documented unless agreed to recording. The last exception, which is a face-to-face meeting, which we do want currently and feel is unnecessary at this time; however, we reserve the right to ask for such a meeting in the future. We anxiously await your prompt response to this request. With regards,

Mr. James Adams-Johnson AdamsJohnson, LLC 325 East Jimmie Leeds Road Ste 199 Galloway, New Jersey 08205 Fax: (609) 939-0301