EXHIBIT

A
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 1 of 45
GOODWIN I PROCTER
April20, 2012
BY FEDERAL EXPRESS
Glenn F. Russell, Jr.
Law Office of Glenn F. Russell, Jr.
38 Rock Street, Suite 12
Fall River, MA 02720
Courtney l. Benson
617.570.1853
CourtneyBenson@
goodwinprocter.com
Re: Matt v. HSBC Bank USA, N.A., et al.; Case No. 1:10-cv-11621-PBS
Dear Attorney Russell:
Goodwin Procter LLP
Counselors at Law
Exchange Place
Boston, MA 021 09
T: 617.570.1000
F: 617.523.1231
Per the Court's instructions during the March 22, 2012 scheduling conference in the
above-referenced matter, I write to provide the information illustrating that the assignments of
Plaintiffs Mortgage and endorsements of Plaintiff's Note were proper, andthereby authorized
HSBC Bank USA, N.A., on Behalf of the Trust Fund and for the Benefit of ACE Securities
Corp. Home Equity Loan Trust Series 2005-HE4 Asset Backed Pass Through Certificates
("HSBC as Trustee") to initiate foreclosure proceedings on property located at 41 Downes Ave.,
Canton, MA (the "Property").
Each of the assignments ofboth the Mortgage and endorsements of the Note can be
properly tracked from the loan originator, Northeast Mortgage Company ("Northeast") to HSBC
as Trustee. Accordingly, Plaintiff's claim that HSBC as Trustee did not have standing to
foreclose is baseless.
I. The Assignment of the Mortgage
Because the assignments of the Mortgage are proper and can be traced from Northeast to
HSBC as Trustee, the Court will grant summary judgment in favor of HSBC as Trustee.
A. Northeast Assigned the Mortgage to New Century Mortgage Corporation
Plaintiff refinanced the Property with Northeast on April6, 2005. See Mortgage,
attached hereto as Exhibit A. On the same day, Northeast assigned the Mortgage to New
Century Mortgage Corporation ("New Century"). This is evidenced by an assignment recorded
in the Norfolk County Registry of Deeds at Book 24374, Page 436. See Northeast to New
Century Assignment, attached hereto as Exhibit A.
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 2 of 45
GOODWIN I PROCTER
Glenn F. Russell, Jr.
April 20, 2012
Page 2
B. The Mortgage was Assigned to HSBC as Trustee
The Mortgage was then assigned to HSBC as Trustee. HSBC as Trustee is the current
mortgagee, resulting from a conveyance of the Mortgage into the ACE Securities Corp. Home
Equity Loan Trust Series 2005-HE4 Asset Backed Pass Through Certificates Trust (the "Trust")
before the Trust's Pre-Funding Period cut-off date, September 27, 2005, and an assignment from
New Century to HSBC as Trustee on November 6, 2007.
1. Plaintiff's Mortgage Loan was Deposited into
the Trust by the Close of the Pre-Funding Period
Pursuant to the Trust's Pooling and Servicing Agreement ("PSA") and Prospectus
Supplement, certain mortgage loans designated on the Trust's Mortgage Loan Schedule were
deposited into the Trust by either the Trust's Closing Date, June 29, 2005, or by the end of the
Trust's Pre-Funding Period, September 27, 2005. See Prospectus Supplement, p. S-2, Compl.,
Exh. 21A ("During the ninety-day period from the closing date [on or around June 29, 2005] up
to and including September 27, 2005 (the 'Pre-Funding Period'), the trust will purchase
additional mortgage loans, referred to herein as subsequent mortgage loans, to be included in the
mortgage pool"). Defendants will establish that Plaintiff's Mortgage Loan was deposited into
the Trust because it is listed on the Trust's Mortgage Loan Schedule. See Mortgage Loan
Schedule, attached hereto as Exhibit B. Plaintiff's loan is listed at line# 4893. An affidavit of
Timothy P. F. Crowley, an officer of DB Structured Products, Inc., the Trust's Mortgage Loan
Seller, and vice president of Deutsche Bank, the Trust's Issuer, establishes that that the Mortgage
Loan Schedule is the schedule referenced in the PSA and includes Plaintiff's Mortgage Loan.
See Crowley Affidavit, attached hereto as Exhibit C. Plaintiff's loan is identified by her name,
property address, loan number and a multitude of additional information specific to her mortgage
loan.
Plaintiff's argument that the PSA and Prospectus Supplement required all of the
mortgage loans to be conveyed into the Trust by its closing date, June 29, 2005, has no merit.
There is no provision in the PSA or Prospectus Supplement stating as such. The argument
ignores the provision of the Prospectus Supplement permitting the Trust to acquire mortgage
loans up to and including September 27, 2005, the close of the Pre-Funding Period. See
Prospectus Supplement, p. S-2, Compl., Exh. 21A. Plaintiff has not and cannot allege that her
Mortgage Loan was conveyed into the Trust outside of this timeframe.
Further establishing that Plaintiff's Mortgage Loan was properly and timely deposited
into the Trust is Countrywide Home Loans Servicing, LP's ("Countrywide") assumption of the
loan's servicing rights. The PSA required Countrywide, the Servicer under the PSA, to assume
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 3 of 45
GOODWIN I PROCTER
Glenn F. Russell, Jr.
April20, 2012
Page3
the servicing rights of the New Century mortgage loans "on or about September 1, 2005." See
PSA, 3.01, Compl., Exh. 21. This occurrence is confirmed by the Boarding Notification,
which indicated that on September 6, 2005, Countrywide purchased 5,053 loans from New
Century, the Trust's Master Servicer. See Boarding Notification, Compl., Exh. 16, p. 61-66.
Plaintiffs loan is listed on the Boarding Notification as the 3,318th loan in the transaction. /d.
Therefore, Defendants will establish that Plaintiffs Mortgage Loan was deposited into the Trust
prior to the end of the Pre-Funding Period.
2. The November 6, 2007 Assignment Ratified the
Initial Transfer of Plaintiff's Mortgage into the Trust
An assignment of the Mortgage from New Century to HSBC as Trustee was executed on
November 6, 2007. See New Century to HSBC as Trustee Assignment, Dkt. No. 32, Exh. L.
This Assignment was recorded in the Norfolk County Registry of Deeds in Book 25302, Page
102 on November 16, 2007. Therefore, the November 6, 2007 assignment ratified the initial
deposit of Plaintiffs Mortgage Loan into the trust. It is irrelevant that the November 6, 2007
assignment was executed after the Trust's Closing Date, June 29, 2005, and Pre-Funding Period
cut-off date, September 27, 2005.
1
Therefore, the initial deposit of Plaintiffs Mortgage into the
Trust coupled with the November 6, 2007 Assignment established HSBC as Trustee's standing
to foreclose on the Property?
3. New Century's Bankruptcy Proceedings
Have No Effect on the Assignment's Validity
Plaintiff argues that the November 6, 2007 assignment could not have assigned her
Mortgage from New Century to HSBC as Trustee because New Century had previously filed for
Chapter 11 bankruptcy. See Compl. ~ ~ 47, 55. However, this bankruptcy proceeding has no
effect on the assignment.
On April 2, 2007, New Century Mortgage Corporation did, in fact, file a voluntary
bankruptcy petition for relief under Chapter 11 of title 11 of the United States Code, 11 U.S.C.
1
This District's Bankruptcy Court held that an assignment from Argent Mortgage Company, LLC, the originator,
directly to Deutsche Bank as Trustee, bypassing the depositor and dated two years after the Trust closed, "was
sufficient to confer standing on Deutsche Bank to seek relief from the automatic stay." In re Almeida, 417 B.R. 140,
150 (Bankr. D. Mass. 2009). The Court therefore found that Deutsche Bank as Trustee had standing to seek relief
from stay to foreclose on the borrower's property. !d.
2
"Where a pool of mortgages is assigned to a securitized trust, the executed agreement that assigns the pool of
mortgages, with a schedule of the pooled mortgage loans that clearly and specifically identifies the mortgage at issue
as among those assigned, may suffice to establish the trustee as the mortgage holder." US Bank Nat 'I Ass 'n v.
Ibanez, 458 Mass. 637,651 (2011).
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 4 of 45
GOODWIN I PROCTER
Glenn F. Russell, Jr.
April20, 2012
Page4
101-1532 in the United States Bankruptcy Court in the District of Delaware. This bankruptcy
petition was consolidated with the bankruptcy filings of several of New Century Mortgage
Corporation's affiliates under the case caption In reNew Century TRS Holdings, Inc., No. 07-
10416. Pursuant to and as part ofthat bankruptcy proceeding, New Century Mortgage
Corporation and Countrywide entered into a stipulation ("Stipulation"). See Stipulation,
attached hereto as Exhibit D. The Stipulation states that on November 11, 2002, New Century
Mortgage Corporation and Countrywide entered into a Limited Power of Attorney. !d. Pursuant
to that Limited Power of Attorney, Countrywide was appointed as New Century Mortgage
Corporation's true and lawful attorney-in-fact. !d. It granted Countrywide the ability to exercise
powers on behalf of New Century Mortgage Corporation. !d. As set forth in Paragraphs 1 and 5
of the Limited Power of Attorney, Countrywide can "execute ... assignments of ... mortgage"
and "do any other act or complete any other document that arises in the normal course of
servicing." See Limited Power of Attorney, attached hereto as Exhibit E. On August 8, 2007,
Judge Kevin J. Carey entered an Order approving the Stipulation. See Order, attached hereto as
Exhibit F. Pursuant to the terms of the Stipulation and Order of the Bankruptcy Court, the
automatic stay was modified to the extent necessary in order for Countrywide to "initiate and
pursue foreclosure proceedings" including "execute and file assignments ... " !d.
Countrywide specifically authorized a certain list of employees "to take actions on behalf
of the Corporation, for the purpose of signing foreclosure documents, including but not limited
to, Substitutions of Trustee, affidavits, assignments, and warranty deeds, and related documents
and instruments, and carrying out such other day-to-day operational and/or administrative
functions in connection with the servicing of mortgage loans" via a Designation and
Authorization by an Authorized Officer dated October 25, 2007. See Designation and
Authorization, Dkt. No. 32, Exh. M. Kimberly Dawson, the Countrywide employee who
executed the assignment from New Century to HSBC as Trustee on November 6, 2007 is listed
as one of the authorized officers. !d. Therefore, Kimberly Dawson had express authority to
execute the assignment of Plaintiffs Mortgage from New Century to HSBC as Trustee.
4. The Conveyance of Plaintiff's Mortgage into the Trust by an
Entity Other than the Depositor Does Not Invalidate the Assignment
Plaintiff further alleges that because her Mortgage was not assigned into the Trust by the
Trust's Depositor, ACE Securities Corp, the assignment was invalid. See Compl. ~ 96. She
argues that under the PSA, only the Depositor could convey a mortgage into the Trust.
Essentially, Plaintiff argues that New Century would have had to assign the Mortgage to ACE
Securities Corp., which then would have been able to deposit the Mortgage Loan into the Trust.
However, courts have specifically addressed this issue and held that assigning a mortgage into a
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 5 of 45
GOODWIN I PROCTER
Glenn F. Russell, Jr.
Apri120, 2012
Page 5
trust in a manner that bypasses the depositor does not render the assignment invalid.
3
Therefore,
the assignment from New Century to HSBC as Trustee, which bypassed ACE Securities Corp.,
was valid.
5. The HE-2 Series Trust Did Not Hold Plaintiff's Mortgage
Plaintiff also argues that a Post Closing Memo demonstrates that a different trust (ACE
Securities Corp. Home Equity Loan Trust Series 2005 HE-2) than the foreclosing trust (ACE
Securities Corp. Home Equity Loan Trust Series 2005 HE-4) actually held the loan. See Compl.
~ 5 7 . The Post Closing Memo is an internal Countrywide document that mistakenly named the
HE-2 Trust as the purchasing trust. See Post Closing Memo, Dkt. No. 32, Exh. K. An affidavit
of Lora Stanford executed in support of the HSBC Defendants' Opposition to Plaintiffs Motion
for a Preliminary Injunction states this fact. See Stanford Affidavit, Dkt. No. 32. Plaintiff
cannot establish that the HE-2 Series Trust held her Mortgage on the sole basis of a mistakenly
drafted internal Countrywide memorandum.
3
"A failure to follow this protocol- such as by direct assignment of the mortgage from the loan originator to the
pool trustee, bypassing the depositor- would, the Debtor contends, constitute a breach of the PSA, a breach of
fiduciary obligations under the PSA to investors, a breach of federal regulations, and an act giving rise to
unfavorable tax consequences for the investors. The Debtor argues that because the Confirmatory Assignment is a
direct assignment from Argent to Deutsche Bank that bypasses the depositor, it must be invalid. This argument falls
far short of its goal. Even ifthis direct assignment were somehow violative ofthe PSA, giving rise to unfavorable
tax, regulatory, contractual and tort consequences, neither the PSA nor those consequences would render the
assignment itself invalid. In fact, under the Debtor's own argument, the unfavorable consequences could and would
arise only if, and precisely because, the assignment were valid and effective." In re Samuels, 415 B.R. 8, 22 (Bankr.
D. Mass. 2009).
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 6 of 45
GOODWIN I PROCTER
Glenn F. Russell, Jr.
April 20, 2012
Page 6
II. The Endorsement of the Note
The endorsement of the Note in blank from New Century was also proper. "When
indorsed in blank, an instrument becomes payable to bearer and may be negotiated by transfer of
possession alone until specially indorsed." M.G.L. c. 106 3-205(b). Here, HSBC as Trustee is
the current note holder. While HSBC as Trustee is the note holder, Bank of America, N.A.
physically holds the Note as agent for HSBC as Trustee. Therefore, HSBC as Trustee has
standing to seek payment thereof. See M.G.L. c. l 06 3-301 (explaining that a" 'person
entitled to enforce' an instrument means (i) the holder of the instrument, (ii) a nonholder in
possession of the instrument who has the rights of a holder, or (iii) a person not in possession of
the instrument who is entitled to enforce the instrument pursuant to section 3-309 or subsection
(d) of section 3-418"). Because Defendants can establish that HSBC as Trustee had standing to
foreclose, Plaintiff cannot prevail on her claims against them.
Sincerely,
c ~ ~ B e : t ~
Enclosures
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 7 of 45
Exhibit A
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 8 of 45
t 32-4
12/10/10 Page 1 of 2
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204 02009
l4>niW1 Nmolor.
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NM
Assignment of Mo:rtgage
Ill bea6\lllltmallllllla' thll tllrilla daW
JODI ll, MAT.'!' IIOIW{
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c-l;tUolom Ul 41 DOlfN8 AVENOa:, CANTON, Ml\SSACllOSIII'l'TS 02021
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NO !JT NOR 1!: Olll'Ol\J\TIO}l, J\ CORPORAT-ION'

______________________ __

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EXHIBIT
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Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 9 of 45
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------.,c::....a....,s-e-41: 1 O-cv-11621-PBS Document32-4 Filed 12/1 0/10 Page 2 of 2
Bk 24374 Pg 437 #143851
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BxhibltA
Property 41 A VBtMl CANTON, MASSACHUS'Bl'l'S
Tho land in Canton, Norfblk Countyt MulfiOhuactta c*oribod u follows:
A certain parcel of llllld aituatcd in Cantoll being Lots num'hered 1114 to 683 !noluaivo, and Lots 689 to 698
inchmve, ibown on a Plait of C. W11tard Bartlett rtomdcd with tho Norfolk Rcalmy of l)oodl Plan aook 48,
Plan 2257, Said Lola borderill& Blllko Sued and DowOCI Avenue and alllott being tho 1\UXI total of 40,000
square roet. .
Bef.nt tho pme to tbia mortpaor by Deed 'RIOOtdeclll/2P/96 in Book 11610Page 138,
NCM LNILOOlS94457
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 10 of 45
Exhibit B
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 11 of 45
A
I Loon ID Borrower Flm Nome
~
~
~
~
~
~
~
~
~
~
~
~
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~ R E D A C T E D
~ 11048!971 JODI
4894 REDACTED
Borrowar last Nai'JW
MATI
0 G H
Property Street Adcfreu Property Stot. Property City Property Zip Oc.uponcy
41 DOWNES AVENUE MA CANTON lOll P
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 12 of 45
359 26.14 7.725 6/1/2005 5/l/2035 $ 1,429.37 $ 1,429.37 5/l/2005 $ 200,000,00
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 13 of 45
v w X M AB AC AD AE AF AG
Fll'>t Rato AdJ. D1te Grou Marafn Purpose Mill Rat Min Rate Or flo bt Periodte Cap Ntd Rate Adj. Date Index ARM or F b ~ : e d ? Documentatlan Type MICompanv
5/1/2007 6.95 co 14.725 7.725 7.725 1.5 5/1/2007 LM6 ARM FULL NO
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 14 of 45
-_-.' _____ -:.
cr,
AM AN AO Al'
ApproiHIVolue Soles Price Propoy (V/Nl Propoy Tenn PrepoyTypo Product 1'(po DTI 0 ... FICO Custadlon
N 0 None A2/6 41.5 600 DBNT
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 15 of 45
Exhibit C
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 16 of 45
UNITED STATES DISTRICT COURT
FOR THE DISTRICT OF MASSACHUSElTS
JODI B. MAll',

V.
HSBC BANK USA, NATIONAL
ASSOCIATION, ON BEHALF OF THE
TRUST FUND AND FOR THE BENEFIT OF
ACE SECURITIES CORP. HOME EQUITY
LOAN TRUST SERIES 2005-HE4 ASSET
PASS THROUGH CER11FICATES, BANK
OF AMERICA HOME LOAN SERVICING
F/K/A COUNTRYWIDE HOME LOAN
SERVICING, COUNTRYWIDE HOME
LOANS SERVICING LP, HSBC BANK USA
NATIONAL ASSOCIATION, ACE
SECURITIES CORPORATION, WELLS
FARGO BANK NATIONAL ASSOCIATION,
DEUTSCHE BANK SECURITIES INC.,
DEUTSCHE BANK NATIONAL TRUST, DB
STRUCTURED PRODUCTS INC.
COMPANY, COUNTR YWTDE SECURITIES
CORPORATION, THE MURRA YHILL
COMPANY, NORTHEAST MORTGAGE
COMPANY, NEW CENTURY MORTGAGE
CORPORATION, BRAD A. MORRICE,
PATTI M. DODGE, DAVID N.
KENNEALLY, HARMON LAW OFFICES
P.C., STANTON AND DAVIS, and LAURA
M. TOMASELLO, ESQ.,
Defend<mts.
Civil Action No. 1:1 0-cv-11621-PBS
AFFIDAVIT OF TIMOTHY P. F. CROWLEY
TIMOTHY P. F. CROWLEY, being duly sworn, deposes and says:
I. lam an ot1iccr of DB Structured Products, Inc.
2. I submit this affidavit based on my !\!view of the Pooling nnd Servicing
UHN2192422.2
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 17 of 45
Agreement ("PSA") for the ACE Securities Corp. l-Jome Equity Loan Trust Series 2005-HE4
Assel Pass Through Certificates (the ''Trust"), the Trust's Prospectus and Prospectus
Supplement, and the Trust's Mortgage Loan Schedule ("Mortgage Loan Schedule.').
3. As part of my normal and usual duties, I reviewed the Trust's PSA, Prospectus,
Prospectus Supplement and Mortgage Loan Schedule to detetmine whether Ms. Jodi Matt's loan
was identi!ied as a mortgage loan included in the pool of mortgage loans sold to the Trust.
3. Attached as Exhibit A is the Trust's Mortgage Loan Schedule. As indicated on
line 4893, Ms. Matt's loan was deposited into the Trust.
4. Upon infbrmation and belief: it was deposited into the Trust by the close of the
Trust's Pre-Funding Period, September 27,2005.
I DECLARE UNDER PENALTY OF PERJURY THAT THE FOREGOING IS TRUE
AND ACCURATE.
Dated: August 4, 2011
STATE OF \::..
COUNTY OF _..Jdf'w ){,c k
On this day of August, 2011, before me. the undersib'lled, personally appeared
Timothy P. F. Crowley known to me or satisfactorily proven to be the person who executed the
foregoing instrument and she/he acknowledged that he executed same for the purposes therein
contained and as her/his free act and deed.
2
Notary Public / (
My Commission expires: ! .J 3 d<'J I J
r '
MAR:<O LUI<IN i
Notary 81<c:' d flew York _r_li
No. 01 LU1:111
Qualified In N;:;w Yo:k CountY.
1
Commission Expirr.s Ob/23/20
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 18 of 45
A
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 19 of 45
B C D G H
Borrower First N1me 8orrowar Last N1me Property Stroot Addreu Property Stoto Propofty City Prcporty Zip OCcupanoy
MATT 41 DOWNES AVENUE MA CANTON l021
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 20 of 45
K M N 0 P Q R T
Orla. Term OrfalnatkHI Oat. Remalnln1 T.rf!t Ortalnal LlV CUrrent Rite Flnt Payment Dlte Maturity Date Orf1. PAl
360 4/1/2005 359 26.14 7.725 6/1/2005 5/1/2035 $ 1,429.37 $ 1.425.37 5/1/2005 $ 200,000.00
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 21 of 45
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 22 of 45
/WI AN 0 ~
S.la Price Prepay (V /N) Prepay Term Prapey Type Product TYpe DTI On .. FICO C"'todlon
N 0 None A2/6 41.5 600 D8NT
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 23 of 45
Exhibit D
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 24 of 45
Ia ..-e:
IN TUE UNITED STATES BANKRUPTCY COURT
FOR TBJ.!! DISTR1Cf Or DELAWARE

NEW CENTURY TRB JJOLOINGS,
INC . a corporatlort, !,tf1,
1
Caue No. (KJC)
Jointly Administered
Debtors
RtlaUd to No-. 5U and 66!1
STIPULATION JJETWEEN DEBtOR NEW CltNTURY MORTGAGE
CORPORATION' AND COUNTRYWIDE HOME LOANS, INC.
ALLOWI!'iG USE OF IJ.MITED PO}VEB OfATTONJEY
This stipulation (tho "Stlpulation) entered into this 6th day of August, 2007, is
made by and among Countrywide Home Loans, I no.. Countrywide Financial Corpoiation,
Countrywide Warehouac Lendin& Countrywiae Bank. a:nd ,Countrywide Securities
Cotp<>ratlon "countrywide,.), New Century Mortgage CorpOration
("Now Century Mortgage and oolleotively with Countrywide, the "Partie").
WHEREAS, on Aprtl2, 2007 (the "Petition Date"), the above-clq)ttoned debtors
and debtors ln possession (the "Debtors,.). filed voiWltary petitions for relief under
1
The Debton 111t1 tho followin" New CMtllry (Uk/a Now Ccntuty
Ml'r, 11\c,), a MIVYland NiW Contwy TRS Holdlnp, 'Inc. (f/Wa Now ConM)' Flnanolal
Corpotatlon), a DI!IIIWUO COI')IOnrtion; Contury Mortgage Corporation {(/k/_a mB Mortpgc) (d/b/al
NCMC Now Ceuf\UY Corporutlon, Ntw Century Mortgage Venture,, L'LC), a
California eorpH'atlonl NC Capl181 Corporal ion, a California corpo1111ion: Homo 123 corporation (Dk/a 111o
Anylonn Corpol'Btlon, t Anyloi\IJ.Mm), a Califtlmia corporation; New CMtury Credit
Corporation (f/kla Worth FUnding Incorporated), a california corporation: NC Assot Holding, L.P. (f/Wa
NC Residual 11 Corporation), a Dclawaro limited partncrshlpi NC nl CoJpQmtlon, a Dolawp.rc
coJl)OraUon: NC Residual IV Corporation, a DelaWIIJ$ Mrporat!on; Now Centur)' R.B.O, Carp., a Callforo!a
corporaUon; Century R.B.O. 11 Corp., a California corporallon; Now Century R.R.O. 111 Cosp., ll
Cllllfornfa corporation; Now ContiJI)' Mortgago Wnturoa, LLC (d/b/a Resort Total
Mortgngo Resource, Select MortlV'&e: Oroup, Montlct11o Mongas,o Services, Ad Astra Mldwest
Hnmo Mortgage, TRATS Flnancl11l SeNlcc1, Elite Fbnmolal Sorvlet;s, Buyers AdvantllJO Mortgage), a
Jim.lt4d liability oomp11ny; 'NC Doltox, LLC, 11 Pula.wuo liznitod llllhlllty compwy; NCoral, L.P.,
a Dolawaro llmlfed pwtllcrshlp.
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 25 of 45
Chapter 11 oftitJe 11 of the United States Code. 11 U.S.C. 1 OJ -1532 (as amended, tbe
"BankrupCC)'
WHEREAS, pursuant to, (llllons other things. that certain Master Se:curitiell
Forward Tran$a.ctlon Agreement, that certain Mortgage Purchase lnterim
Servicing Agreen'tent dated anc:l effco11ve as of August 4
1
2004, and that certain Mortgage
Loan Purchase and Interim Servicing Agreement dated and effective as of February 28,
2007, and various other contracts oxeauted br one of tho Debtom, Countrywide is a
creditor of tbQ Pebtors, includin& at miuhnum New Century Mo]f.gage and NC Capital
Corporation. t.ranm\otions between Cotmtrywide and the Debtors are evfd&ttoed by
and othermse documented pursuant to tho loan purohase various
schedules thereto and vllrlous 'other documents. Pursuant to suoh doownentation,
Countcywidc hu in the }last boll3ht loiUlB originated by the Debtors, either In bulk or via
correspondent channels, and was engaged fn certain securities trade transactions with the
Debtors, Jn addition, CO\U\t:rywide has serviced m1d is servicing loans ounently pursuant
to contractual agreements with wa.rehollSc lenders of the Debtors who bave purported to
t.nkc ownership and control of the loans in question;
WHBREAS, on or about November ll, 2002, Now Century Mortgage &nd
Countrywide entered into a Limited Power of Attorney (the
11
Limited POA"). A true
and copy of the Limited PC? A is attachc:d hereto as Exhibit ".A" and incorporated
herein by reference;
2-
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 26 of 45
/ .....


t
.
.
. :
.
certain or the loans and mortgages originated by the Debtors and
cltllcr: (j) sold 1o Counuywide; or (h1 sold to a third party and serviced by Countrywide,
ure Cll1'tCntly in default (tho "D.etaulted Loane,.);
WHEREAS, certain of th.c Defaulted Loans are presently in the Debtors'
WHEREAS, counttywlde ftSScrts that the Debtors only havo bare legal title to,
and no equitable interest in, tbe Defaulted Loans;
WHEREAS, Countrywido and tho Debtor$ believe that the. continued use of the
Limited POA would noi vioh\te the automatic stay'undcr section 362 of tho Bankruptcy
Code (tho Stay"), however, out J)f on oboodanee of oautioJl, Countrywide
and the Debtors have entered into this
WABRBAS, Jn order for to . inUiato and pursue foreclosure
against tbe Defaulted Loanst Countrywide be able to, among otl\er
things: (i) endo1se checks; 00 execute and :file assignments, mortaaaes, deeds, bills of
sale, endorsements, sati(liftctions. reconvcyancell, tnodifications;
nnd declarations relaUns to the Defaulted Loans; and (iii) pursue deficienoy, insuran1)
and other olalms, all as mo:ro fully set forth in the Limited POA (the "Powers,'):
WHEREAS, pursuant to the Limited POA, CountrYwide wt\8 appointed as New
Century Mortgage's true and lawful aomoy-infact and the abiliiy to exercise
the Powers on behalf ofNew Century Mortsage; and
Rl.l'l-.lUISJJH
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 27 of 45
WHEiillAS, out of an abundance of caution, the Parties desire to modifY the
Automatic Stay, upon (he tenns and oondltions set forth herein, to the extent necessary to
allow Countrywide to exercise the Powenl sranted i.n the .Limited POA to upon
the Defaulted Loans.
NOW, THEREFORE, IT IS HiiREBY STIPULA1ED AND AGREED, by and
the parties, subject to <;ourt approval, that:
1. Tho above recitals are incorporatod herein as though they wero fully set
forth at length.
2. The Automatic Stay is modified to the extent necessary to permit
Countrywide to exeroJse the Powers granted in tbe Limlted POA to foreclose upon the
Defaulted Loans.
3. New Century Mortaage and CountrywJdo acknowledge and agree that this
Stipulation may be executed in counterpartll, each of which, when executed, shall bo
deemed to be an original. but all ofwhioll,, when iaken together, shall constitute ono and
the samo StlpuJatJon, and that a fncsinrllo or photOCOPY. signature shall have the same
forcc and c.ftect aiJ an original signature.
4. The United States Bankruptcy Court for tbe District of Delaware shaJJ
retain sole and cxcJu.sivo juii11diction with respect to the te.nns and conditions of this
StlpulatiOt'l and any disputes arising thcrofrorn.
S. Each of the undersigned fndSvidua:ls represents tmd warrants that he or she
is authorized to execute an.d deliver this Stipulation for and on of the party for
which he or she purportS to aot.
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 28 of 45
August 6, 2007
Date: AugUst 6, 2007
Rlf'll 116))11
BRYAN C.AVE LLl'
Kathcrin4' Windler (Stnto BID' No. 1 58899)
120 .Broadway, SultcJOO
Santa Monica, CA 90401
Phono: (310) 5762100
Fax: (310) 576220Q
kruhetine.wlosllw@bryapca.ye.com
fUld -
EDWARDS ANGELI, PALMER & DODGE LLl'
I/ Wf.Uiam 8, Chipman. Jr.
WilHam B. Chlpnlan, Jr., Bsq, (DB No. 38J 8)
919 Market Street, Sultc 1 SOO
WUmlngmn, DB 19801
Phone: 3027177770
Facsimile: 302 717.7263

Caunael to Cauntryw_ide Home Loana, Inc.
lUCUARDS, LAYTON & FINGER, P.A,
-Md-
5. .
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 29 of 45
O'MEL'VENY & MYI!RS LLP
Ben H. Logao
v;otoria Newmark
BmiJy R. Culler
275 Battery Street
San Francisco, CA 94111
Phono (415) 9848700
Coun.11el to Debtors and Debtors in Posses.tltm
-6-
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 30 of 45
Exhibit E
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 31 of 45
-
. ..
JIJIIIIIIIJI
MARICOPA tOUNTY RICOAOER
HiLIN PUltCI!I.L
2Cbl-02627SO 14149
8 0, 2S
-
.,.
PQWtr of Attorney)
..
c .......
Gran !or MortaiP CoJpOJIIfoo
SuW>
Gt'DUtl

Iuo.,tll&
lfuad.laJ CorpqmlfOil
1100 81#1.1 V.Uoy. OA 9305)
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 32 of 45
. , ..... ,
.. :::,,,
' .. .<+.
.... ,wit
0
Plapuodby;
M011&1P
I JIIOO V 01\ Kal'lllll\ Suitt I 000
Irvlilo, CA-P2612
20030262730
LlMJTRO )JOWBJl OF ATIORNBY
NewCenluly Mcxtpg.: Cclrporatton called ".Prlor Sorilcet? bon:&y appowra liollll)
bwo {Mrth!Af\ar callld !Ia truu11d to a.otrnlhwllllllt, ptaound .wei of
tb Jl\lrP04III Ht fbrlh .
0
'llle .kr <CCOIOII ottlleto, ar bmW &UIIIormd, 'and o111po\VONct, u lbllows:
Sta!AI or
Coun.ty or Ouqt)
BEP0.03 Ml!, MlcbaU. C. Da\'111, a NOW)' PUbllo kund lhwjwiJdlctfon lilHa&ld, 011 this IIIII d&y ot
NC1Yil4l'lbtr, ,002, ippnntd Kevlll Cloyd. pen011al.ly lcnown to 11111 (tw p!'t)WII) to bt 1ho
'Who lllCIGU!Ad 1bo tonpJq lnSinlllwnt Md .ho dlclomowldia thllpls o!IM lbfc&OIIIa li!Mimont 10 bo ttoe
and vollllllal)' 14-1 and d11d u 111 otnc for llle .-. consldofalfcm lllettD1 let rMh.
hal\4 ml o cbheal ltfui,Y ofNI)WfllbOI', 2002.

NOTAP.Y.STAMP
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 33 of 45
Exhibit F
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 34 of 45
----.
lN THE UNITED STATES BANKRUPTCY COURT
FOR TRE DlS'l'RICT OF DELAWARR
ln ro:
NEW CENTURY 1'RS HOLDINGS.
INC . a Delawaro corporation, !1..1J1,
1
Deb ton
11
Case No. 07-10416 (JQC)
Jointly Administered
Res Doeket Nos: 526
1
669 & 2183
ORDER APPROVlNG THE STIPULATION BETWEEN DEBTOR NEW
CEN'l'URV MORTGAGlt CORPORATlON AND COUNTRl:'WIDE HOME
INC. USE QF LlMlTJ!dD l'QWJjiJ! QF AT'fOBNRV.
Upon of the Sttpufutlan JJetweon Debtor NfiW Century Mortgagfl
Corporation and Cout1trywide flome Loana, Inc. Allowing Use of Limlted Power of
Attornay (the "Stipulatlon"). a copy \)f which is UH- &Jrlhlt "A" to this Ordijr;
and ufter tlue deliberation wid it uppaaring that aufflclent .cause ex.Jsts to approve the
Stiputatit)rt;
IT JS ORPBRBD T.H.A'i':
1, The Stipulation approved.
1
TJ;o ,.ru thu rol!o'!'log endc!os1 New Contliry PfmmoM Corporation (f/Wa New
REIT, Inc.), M11ryll\nd corpuradon; Now Century TRS HoldbJijlt
1
lnu, (f/kJu New Century FioanolcsJ
Corponnlon), a Dtl!&waro cnJllortiL!on: New Century Morteast Corpol'lllfon (flk/a JUH Mortgage) (dlb/e/
NCMC Corponw, New Century Corporadon, Now Cent\lry Mol11l11JSII V4Sntutel, LLC), n
Clllifom!a GOrporotlon; NC Cupit41 CmpuJ:ll.lion, a Callfbrnla oorporntlon; Homo 123 C(trpuralion (O'k/a tho
Anyloau Corporation, 1800111\yloan.com, a Cal!tbrola eorpor111ton; Now Conlury Credit
CuJPorntion {f/k/A Worth F\lnding tncocpuratud), a Cnllfomia QOr)loratiolil NC Holding, L.P. (9Wn
NC II Corpu1111ion), a Dolawnro llml"<l p41\nO!llhip; 'NC RUII!duu.l 1U Corporn1fon
1
Dllllllworo
corpn111llon; NC Rb$lduallY Corporntloll
1
a J)etawo.ro coqloratlun; Nuw Century R.f!.O. Corp., P Calitllmla
Now Century R.B.O. 1T Corp., ll corporation; Now Century R.'B.O. Ill Corp.,
Catlfurnle Now Contury Mnrtg11gu Vunturc::., LLC (dlbla Rotor\ I.otwlnv, Tuta1
Mortgage Resource. Select Mort!Vlgo Oroup, Mcmllccllo Mortgage Sorvfce&, Ad Mort!JIIgo, MfllWlll
Home Mortg11go, TRATS Finanoi11t Scrv!ac.'i, Blitu Fuutnoi41 Scrvfcct, Mortgugu), ft
Dlli11WA1'0 llmlwd OUmpiUly: NC l)ol!cx, LLC, Q Do)QWIU'O limited compllb)'; NCoral, L.P.,
n Do!GWIUO limited .
ltUII-l1863l7-1
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 35 of 45
2. This Court sl1ull retoftt jurisdiction with respect to all m11ttora arising from
or relutoo to thl) of this Order.
2
Kl1
1
131A63l7l
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 36 of 45
&XHIBl'tA

Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 37 of 45
('

\ .
-<,;
In ,.e:
IN TH:l UNITED STATES BANKRUPTCY COURT
FOR THE DISTRICJ' OJI' DELAWARE
(;hapte.r 11
NEW CENTURY TRS JJOL))JNGS,
INC., a l>elawtu-e corporRtiort, e.t aL,
1
No. 0710416 (KJC)
Jointly Administered
Debtors
JldaUd to Noa. 5U and 669
STIPULATION BETWEEN DEB'l'OR NEW CENTURY MORTGAGE
CORPORATION ANO COUNTRYWIDE HOME LOANS, :r:NC.
USE OF IJMITEP PO)VER OF ATJOBNEX
This stipulation (tho "Stipulation") t'lntered into this 61h day of Auguat, 2007, is
made by and among Countrywide Home LoiUlS, Jne Counttywlde Financial Corporation,
Countrywide Warehouse Len&ng. Countrywiae Bank. and .Countrywide Securities
Corporation "countrywide"), New Century Mortgage Corporation
("New Century Mortgagett and collectively witlt Countrywide, the "Partie").

WHEREAS, on Aprtl2, 2007 (the ''l'etltton Datu"), t})e above-cftPtioned debtors
and debtors Jn possession (the "Dcbton") filed vohmtary petitions for relief \Uldcr
1
Tho Debtors Vfl the fo!Jowtna olltltlttl New Fbtllttolal CoJ'(Xmltlon (ti'k/a N11W ccniUt)l
JtBlT, Inc,), a MIVYland oorporaUon; NI\W C"ntury TJlS Holding&, :mo. (f!Wa Now Con.WIY Flnanolal
COTJIC>tatlon), a DetlllWAtO OOtpOl'fttiou; NtW Century Mort&so ma Monaage) (dlb/IJ/
NCMC Corporalt<, Now Coo!\111 Corporatlon, NtW Ceotwy Mortgage Ventures, Ltc), a
Callfomluorpnratlon; NC Capital Corporal loP, a California corporation: Horno 123 corporation (Wa 11111
An;ylonn Corporation, 1800anylulll\.com
1
a Cali.fbmia corporation; New Century Credll
Corpol'lltion (tlkla WorCh Funding a calltomla 'fllOTatton: NC Asset ijoldlng, L.P. (fiWa
NC Residual 11 Corporation), 11 Delawares limited partnership; NC Jt'l&ldual nt Corporation, a Dolawlll'C
corporation; NC Residual IV Corporation, a Delaware corporation; NCIW Centw-y R.B.O. Cmp., a Callfom!ll
corporationj Now Century R.B.O. 11 Corp., a C.Hfomia corporation; Now CentuJy R.H.O. 11I Corp., a
Cltllfomia corpc)Jll.llonj Now Ccmt\IIY Mortgap Vonturoc, LLC (dlb/11 Resort Lending, Total
Mongago R.esowcc, Se1oct MortGKs Otoup, Monlfcollo MoJ1gago Ad Astra Mort&H&O, Midwest
Homo TRA'rs Flnanch1l Smlccs, Flmmolal Sorvlcos, B\lY81'S AdvantlllJO Mortgage), 11
Dclawaro l!m.fle<t liability company; NC Obltox, LLC, 11 Dulawlll'o linlitod Jf@lllty company; NCotal, L.P.,
a Dalawaro llmlr.ed purtllershlp.

Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 38 of 45
Chapter 11 oftitJe 11 of the United States Code, l t U.S.C. lOJ-1532 (as amended, t.be
44
Bankruptcy Code"):
WHEREAS, pursuant to. tunong other things, that certain Master Securities
Forward Transaction Agreement, that certain Mortgage Purchase and Interim
Servicing Agreement dated and effective as of August 4. 2004, and that ccrtafn Mortgage
Loan Purchase Md Interim Servicing Agreement dated and effective as of February 28,
2007, and various other contrncts o>Ceouted br <>M of the Debtors, Countrywide is a
creditor of tho Debtors, inclUding at miuimwn New Century Mo.rtgage and NC Capital
Corporation. The traruJactions between Countrywid$ and the Debtors are evfd&tlccd by
and otherwise documented pUl'lluant to tho loan purchase agreementst various
schedules thereto and various t>\het documenu. Pursuant to suoh docwnentation,
Counttywidc has in the past oouaht loiUlB originated by the Oebtors, either in bulk or via
correspGndent channels, and was engaged in certain seourltles trade transactions with the
Debt<>rs. Jn addition, Countrywide has serviced .nd is sorvlolng loans currently plll'$uant
to contractual agreements with warehouse lenders of the Debtors who have purported to
take ownership and control of the loans Jn question;
WHBREAS, on or about Novembet ll, 2002, Now Century Mortgage and
Countrywide entered into a Llmltcd Power of Attorney (the "Lhnlted POA"). A true
and copy of tho Llmited P9A l!l attache:<! hereto as Exhibit "A" and incorporated
herdn by reference;
2
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 39 of 45
WHEREAS> certain o( the loans and mortgages originated by the Debtors and
either: (i) 1o Counuywide; or (ll) sold 1o a third party and serviced by Colllltrywidc,
ure cuttcntly in default (tho "D.efaulted Loans,.);
WHEREAS, certain Defaulted I.:oans are in the Debtors'
name;
WHEREAS, Countrywide asserts that the Debtoffl only ha.vo bare legal titlo to,
and no equlta.ble interest in, the Defaulted Loans;
WHEREAS, Countrywide and the DebwrS that tho. continued use of the
Limited POA would noi vfohlto the automatic stay 'under section 362 of tho J3tutkruptcy
Code (tho Sty"), however, out pf m ubwtdMee of oaution, Countrywide
u.nd the Ocbtors have entored into this Stipulation;
WAERBAS, in order for to and pursue foreolosme
against the Defaulted Loans, CoWltrywide be able to, among other
thinas: (i) endorse checks; Oi) execute and file assiaruncnts, mortaages, deeds, 'bills of
saJe, endorsemerit.<J, satiefactlons, releases, re.oonvcyances, $\lbordlnations, tnodifications;
nnd declarations relating to the Defaulted Loans; and (Ui) insurance
and other <llalms, alJ as more fully set forth in the Limited POA (the "Pow'!ra
1
):
WHEREAS. pursuant to the Limited POA, CountrYwide was appointed as New
Century Mortgage's truQ and lawful attomey-tn-fact and i(anted tho ability to exercise
the Powers on behatfofNew Century Mortsage; and
RU'I....31 t63371
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 40 of 45
WHER.l!AS, out 'of an obundartee of caution, tho Parties desire to modify the
Automatlo Stay, upon the terms and conditions set forth herein, 1o the extent necessary to
allow Countrywide to the Powen granted i.n 1hc .Limited POA to upon
the Defaulted Loans.
NOW, TIIEREFORB, IT IS HitREBY STIPULATED AND AOREED, by and
the parljes, subjccl to approva1
1
that:
1. above recitals are incorporated herein 8ll though they wero fully set
forth at
2. The Automatic Stay is modified to the extent necessary to permit
Countrywide to e"eroisc the !lowers granted in the Limited POA to foreeloso upon the
Defaulted Low.
3. New Century Mortgage and Coun1lyWidc acknowledge and agrco that this
Stipulation mp.y be executed in counterparta, each of which, when executed, shall be
deemed to be an original, but all of which,, when taken together, shall constitute one and
the samo Stipulation, and that a facsimile or photOCOPY. signature shall }lave the sarno
foroo and effi:ct Man original signature.
4. The United States Bankruptcy Court for the. District of Delaware shaJJ
rewn sole o.nd cx;cJusivo juiisdiction with to tho te.rtn8 and conditions of this
Stipulation and any disputes arising thorofrom.
S. Each of the undersigned individuals represents and warrants that he or she
is authorized to execute an.d deliver this StlpulatJon for and on of the party for
whlch he or she purport.., to aot.
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 41 of 45
Duto! August 6. 2007
Date: August 6, 2007
UR\'AN CAVE LLP
Windler (Stnto J:liU' No. 1 58899)
120 .Broadway, SuUeJOO
Santa MolliCA, CA 90401
Phone: (310) 576-2100
Fax: (31 0) S76-:Z20Q

-and-
EDWARDS ANGELI, PALMER & DODGE LLl'
lsi Wflllam E. Chipman, Jr.
WilHam B. Chipman, Jr., Bsq. (DB No. 38J8)
19 Market Street, Suite 1 SOO
WUmlnston, DB 19801
Phone: 302777 1770
Facsimile: 302717-7263

Coun.ttl to Countryw_itle Hums Loana, Inc.
RTCllARDS, .tAYTON & FINGER, P.A,
Md-
5. .
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 42 of 45
O'MEL'VENY & MnRS LLP'
Ben H. Logan
Vjotoria Newmark
Emily R. Culler
275 Battety Street
San Francisco, CA 94111
Phone (415) 984-8700
to Debtors anil Debtor a In
-6-
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 43 of 45
-
. ..
.
. .
lllliiiJI
MAMICOPA COUNTY RICOROR
HiLIN I'UltC:I!L.L
zou3-0i62?ao 03103/0l 14:49
8 0, 25
......
J I P1
Pgwer of Attorney)
..
(
Cmfotl CoiJIQJIIIoo
1&400 VOil J:wlaa, Sullo lOOO,lrvfDit CAn,6t2
Gr.uaUtl Colmlrywldo lf0010l.otlllt
1
bllir.t til&
ClltfYWldo Cotpqrllf011
I 100 'f'ltl? Sll:tll Vallq, OA 93043
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 44 of 45
....
wl.
20030262730
LlMJTRO)'()WBROYATIORNBY
NawCitlllury Mllltpp Cc.poratton eaUed "Prior Sonlw') ll4ldJy appollllll Collll!Jywldo l.Qanl,
Ino. (Mrolnafl.lr aallad lla true ad to aat lsi thl name, plaCO 11014 or
(QI tha tbrlh bftQw,
Tho aakr U4 01\l!a otthoro, art hmlr/ auU!orbed. u lbllowt:
I. To wL lnd 4ellver deed oftrustfmort&l&o noto 11010 6fltdAvlb,
a.uft1lllsel!ts otdcocl ani! Olbtr noorcftcl dDCGIDIIIb, or dud or
bll!sofqlt,
Mil othar lrutN1110111S otealo. 0011\'fli'lllce, IIIAl trwfv. IJlllropr!Qal.y compltlod, w!lh aU Ol'di!Wy
.. maybaliiClMII)' Ol
111 e:ucutlllllt dllllwry,
2, To txtclltt md d1Uv.t WIIMCO ftllap IU"bJUIIIIIOOI
llf ntnmllkla)laftlcUvllt. 1101111111 ckle4t, .mdavlflw oh11rll,
vorlftoll!ona of (lQIIIplatnts. notfll toC&IIIt. doolarltlw lbo p!IIPOfO otnthl1 motiOIIIId Ill\ atq;. McS
cfOOUM9'\It or nottct ftlfna;a en bWir otPrlcwSelvloer Ill ct11111ect!oll With IJiairrMol. tortotosur.,
t111cl ovlo1Uon tdloN. .
:J. To 4hciOfH.., dllcb"" rocolvtcl by Cotllllrfr\'llft to Prl s.Mcw.
-" .To PIIIIIIO &ey llolloJmoy; debt tilt Cldla'obUJMlollt IOturocl or laolladiDJ ktnot llmlt.oll to \11oM
P.Wms &om 6\' other nlo, :aot. or c:heck. 'l1lla poworallo COUrltr)'w1do to collctk,
or otlai;wiso .sdl faeerut w auomot ffci.
S. To duny ad compler. NIY o!hot dooumenulw an In otiCMclna.
O:.toJi: N<1vomber l t, 2002. Marl"
REPOlm MIS, Mk:blk C. :Da\'fd, t NOW)' Pllbllo lhtjllllsdfttfon OA this l I ell day Qf
N<>vembtr, :1002, paiSOCUID)' appAI*I Ktvln Cloyd. pcr4011ally laJo\m to 1'1111 (lll' wffiofttllly prWfn)to bo lho pt011
'l'l'h1> exiGtltld 1flt fongofai Md he did aoJmowlcdp tho IPs orlht tbti&OIIIa 10 bo I\'Oo
and d .. cl u aalllllwtbocl omw tor Cho .... fllllPOH and cuo:JidOI'atfrm lllettfll tot t0f1h.
lwut mlo llh d.IQr ofNowmbot, !1002.

NOTARY. STAMP
Case 1:10-cv-11621-PBS Document 128-1 Filed 11/20/12 Page 45 of 45