74392400 Mortgage Debt Validation Letter Notice QWR GUD2

8/12/2019 74392400 Mortgage Debt Validation Letter Notice QWR GUD2

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an ntere't t& ' matter+ ! am concerned t&at 'uc& a%u'e' aretarget ng t&e uneducated and un n)ormed con'umer and d 'ad(antaged*$oor* elderl and m nor t Amer can'+

/eedle'' to 'a * ! am mo't concerned+ ! am "orr ed t&at $otent al)raudulent and dece$t (e $ract ce' % un'cru$ulou' mortgage %ro0er''ale' and tran')er' o) mortgage 'er( c ng r g&t' dece$t (e and)raudulent 'er( c ng $ract ce' to en&ance %alance '&eet' dece$t (e*a%u' (e and )raudulent account ng tr c0' and $ract ce' ma &a(e al'onegat (el a))ected an cred t rat ng* mortgage account and or t&ede%t or $a ment' t&at ! am currentl * or ma %e legall o%l gated to+! &ere% demand a%'olute 1 't &and e( dence )rom ou o) t&e or g naluncert ) cated or cert ) cated 'ecur t regard ng account num%er123456789+ !n t&e e(ent ou do not 'u$$l me " t& t&e (er 'ecur t

t " ll %e a $o' t (e con) rmat on on our $art t&at ou ne(er reallcreated and o"ned one+ ! al'o &ere% demand t&at a c&a n o) tran')er)rom ou to "&ere(er t&e 'ecur t ' no" %e $rom$tl 'ent to me a'"ell+ A%'ent t&e actual e( dence o) t&e 'ecur t ! &a(e no c&o ce %utto d '$ute t&e (al d t o) our la")ul o"ner'& $* )und ng* ent tlementr g&t* and t&e current de%t ou allege ! o"e+ de%t ! am re)err ng

to t&e $r nc $al %alance ou cla m ! o"e t&e calculated mont&l$a ment* calculated e'cro" $a ment and an )ee' cla med to %e o"ed% ou or an tru't or ent t ou ma 'er( ce or 'u%'er( ce )or+

,o nde$endentl (al date t& ' de%t* ! need to conduct a com$letee.am* aud t* re( e" and account ng o) t& ' mortgage account )rom t'

nce$t on t&roug& t&e $re'ent date+ $on rece $t o) t& ' letter* $lea'ere)ra n )rom re$ort ng an negat (e cred t n)ormat on ) an to ancred t re$ort ng agenc unt l ou re'$ond to eac& o) t&e re-ue't'+

! al'o re-ue't t&at ou 0 ndl conduct our o"n n(e't gat on and aud to) t& ' account ' nce t' nce$t on to (al date t&e de%t ou currentlcla m ! o"e+ ! "ould l 0e ou to (al date t& ' de%t 'o t&at t ' accurateto t&e $enn


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lea'e do not rel on $re( ou' 'er( cer' or or g nator' record'*a''urance' or ndemn t agreement' and re)u'e to conduct a )ull aud tand n(e't gat on o) t& ' account+! under'tand t&at $otent al a%u'e' % ou or $re( ou' 'er( cer' could

&a(e dece$t (el * "rong)ull * unla")ull * and or llegall :!ncrea'ed t&e amount' o) mont&l $a ment'+!ncrea'ed t&e $r nc $al %alance ! o"e!ncrea'ed e'cro" $a ment'!ncrea'ed t&e amount' a$$l ed and attr %uted to"ard ntere't on t& 'accountDecrea'ed t&e $ro$er amount' a$$l ed and attr %uted to"ard $r nc $alon t& ' account and or

A''e''ed* c&arged and or collected )ee'* e.$en'e' and m 'c+ c&arge' !am not legall o%l gated to $a under t& ' mortgage* note and or deedo) tru't+

! re-ue't ou n'ure t&at ! &a(e not %een t&e ( ct m o) 'uc& $redator'er( c ng or lend ng $ract ce'+,o n'ure t& '* ! &a(e aut&or ed a t&oroug& re( e"* e.am nat on*account ng and aud t o) mortgage account # 123456789 % mortgage

aud t ng and $redator 'er( c ng or lend ng e.$ert'+ ,& ' e.am andaud t " ll re( e" t& ' mortgage account ) le )rom t&e date o) n t alcontact* a$$l cat on and t&e or g nat on o) t& ' account to t&e $re'entdate "r tten a%o(e+

Aga n t& ' ' a ual ) ed ;r tten Re-ue't under t&e Real E'tateSettlement rocedure' Act* cod ) ed a' , tle 12 < 26=5 >e?>1?> ? >e?and Reg+ @ < 35==+21>)?2 o) t&e n ted State' ode a' "ell a' a

re-ue't under ,rut& !n Bend ng Act ,!BA 15 +S+ + < 16=1* et 'e-+RES A $ro( de' 'u%'tant al $enalt e' and ) ne' )or nonCcom$l ance or)a lure to an'"er m -ue't on' $ro( ded n t& ' letter " t& n ' .t 6=da ' o) t' rece $t

!n order to conduct t&e e.am nat on and aud t o) t& ' loan* ! need to&a(e )ull and mmed ate d 'clo'ure nclud ng co$ e' o) all $ert nent


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n)ormat on regard ng t& ' loan+ ,&e document' re-ue'ted and an'"er'to m -ue't on' are needed % m 'el) and ot&er' to n'ure t&at t& 'loan:

;a' or g nated n la")ul com$l ance " t& all )ederal and 'tate la"'*regulat on' nclud ng* %ut not l m ted to , tle 62 o) t&e Re( 'edStatute'* RES A* ,!BA* Fa r De%t ollect on Act* E A and ot&erla"'

,&at an 'ale or tran')er o) t& ' account or monetar n'trument* "a'conducted n accordance " t& $ro$er la"' and "a' a la")ul 'ale " t&com$lete d 'clo'ure to all $art e' " t& an ntere't

,&at t&e cla med &older n due cour'e o) t&e monetar n'trument deedo) tru't a''et ' &old ng 'uc& note n com$l ance " t& 'tatute'* Stateand Federal la"' and ' ent tled to t&e %ene) t' o) $a ment'

,&at all good )a t& and rea'ona%le d 'clo'ure' o) tran')er'* 'ale'*o"er o) Attorne * monetar n'trument o"ner'& $* ent tlement'* )ull

d 'clo'ure o) actual )und ng 'ource* term'* co't'* comm '' on'* re%ate'*0 c0%ac0'* )ee' etc+ "ere and 't ll are $ro$erl d 'clo'ed to me

,&at eac& 'er( cer' and or 'u%C'er( cer' o) t& ' mortgage &a' 'er( cedt& ' mortgage n accordance " t& 'tatute* la"' and t&e term' o)mortgage* monetar n'trument deed o) tru't

,&at eac& 'er( cer' and 'u%C'er( cer' o) t& ' mortgage &a' 'er( cedt& ' mortgage n com$l ance " t& local* 'tate and )ederal 'tatute'* la"'and regulat on'

,&at t& ' mortgage account &a' $ro$erl %een cred ted* de% ted*ad u'ted* amort ed and c&arged correctl

,&at ntere't and $r nc $al &a(e %een $ro$erl calculated and a$$l ed tot& ' loan


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,&at an $r nc $al %alance &a' %een $ro$erl calculated* amort ed andaccounted )ort&at no c&arge'* )ee' or e.$en'e'* not o%l gated % me n anagreement* &a(e %een c&arged* a''e''ed or collected )rom t& '

account!n order to (al date t& ' de%t and aud t t& ' account* ! need co$ e' o)$ert nent document' to %e $ro( ded to me+ ! al'o need an'"er'*cert ) ed* n "r t ng* to (ar ou' 'er( c ng -ue't on'+ For eac& record0e$t on com$uter or n an ot&er electron c ) le or )ormat* $lea'e$ro( de a $a$er co$ o) all n)ormat on n eac& ) eld or record n eac&com$uter ' 'tem* $rogram or data%a'e u'ed % ou t&at conta n' an

n)ormat on on t& ' account num%er or m name+

A' 'uc&* $lea'e 'end to me* at t&e addre'' a%o(e* co$ e' o) t&edocument' re-ue'ted %elo" a' 'oon a' $o'' %le+ lea'e al'o $ro( deco$ e' o):

1 An cert ) cated or uncert ) cated 'ecur t * )ront and %ac0*u'ed )or t&e )und ng o) account # 123456789+

2 An and all G ool Agreement>'?H nclud ng account # 123456789%et"een RED!, R /AME ERE and an go(ernment '$on'ored ent t *&ere na)ter >ISE?+

3 An and all GDe$o' t Agreement>'?H regard ng account #123456789 or t&e G ool AgreementH nclud ng account # 123456789%et"een RED!, R /AME ERE and an ISE+

4 An and all GSer( c ng Agreement>'?H %et"een RED!, R /AMEERE and an ISE+

5 An and all G u'tod al Agreement>'?H %et"een RED!, R /AMEERE and an ISE+

An and all GMa'ter urc&a' ng AgreementH %et"een RED!, R


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/AME ERE and an ISE+

An and all G!''uer Agreement>'?H %et"een RED!, R /AMEERE and an ISE+

6 An and all G omm tment to IuaranteeH agreement>'? %et"eenRED!, R /AME ERE and an ISE+

7 An and all GRelea'e o) Document agreement'H %et"eenRED!, R /AME ERE and an ISE+

1 An and all GMa'ter Agreement )or 'er( cerJ' r nc $le and!ntere't u'tod al AccountH %et"een RED!, R /AME ERE and an

ISE+11 An and all GSer( cer' E'cro" u'tod al AccountH %et"een

RED!, R /AME ERE and an ISE+

12 An and all GRelea'e o) !ntere'tH agreement' %et"eenRED!, R /AME ERE and an ISE+

13 An ,ru'tee agreement>'? %et"een RED!, R /AME ERE and

RED!, R /AME EREJ' tru'tee regard ng account # 123456789 or$ool account' " t& an ISE+

14 lea'e 'end to t&e re-ue'ter a co$ o) an documentat one( denc ng an tru't relat on'& $ regard ng t&e Mortgage Deed o) ,ru'tand an /ote n t& ' matter+

15 lea'e 'end to t&e re-ue'ter a co$ o) an and all document>'?e'ta%l '& ng an ,ru'tee o) record )or t&e Mortgage Deed o) ,ru't andan /ote+

1 lea'e 'end to t&e re-ue'ter a co$ o) an and all document>'?e'ta%l '& ng t&e date o) an a$$o ntment o) ,ru'tee Mortgage Deed o),ru't and an /ote+ lea'e al'o nclude an and all a'' gnment' or


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tran')er' or nom nee' o) an 'u%'t tute tru'tee>'?+

1 lea'e 'end to t&e re-ue'ter a co$ o) an and all document>'?e'ta%l '& ng an Irantor )or t& ' Mortgage Deed o) ,ru't and an /ote+

16 lea'e 'end to t&e re-ue'ter a co$ o) an and all document>'?e'ta%l '& ng an Irantee )or t& ' Mortgage Deed o) ,ru't and an /ote+

17 lea'e 'end to t&e re-ue'ter a co$ o) an and all document>'?e'ta%l '& ng an ene) c ar )or t& ' Mortgage Deed o) ,ru't and an/ote+

2 lea'e 'end to t&e re-ue'ter an documentat on e( denc ng t&eMortgage or Deed o) tru't ' not a con'truct (e tru't or an ot&er )ormo) tru't+

21 All data* n)ormat on* notat on'* te.t* ) gure' and n)ormat onconta ned n our mortgage 'er( c ng and account ng com$uter ' 'tem'

nclud ng* %ut not l m ted to Alltel or F del t ! ' 'tem* or an ot&er' m lar mortgage 'er( c ng 'o)t"are u'ed % ou* an 'er( cer'* or 'u%C

'er( cer' o) t& ' mortgage account )rom t&e nce$t on o) t& ' account tot&e date "r tten a%o(e+

22 All de'cr $t on' and legend' o) all ode' u'ed n our mortgage'er( c ng and account ng ' 'tem 'o t&at t&e e.am ner'* aud tor' ande.$ert' reta ned to aud t and re( e" t& ' mortgage account ma $ro$erlconduct t&e r "or0+

23 All a'' gnment'* tran')er'* allonge* or ot&er documente( denc ng a tran')er* 'ale or a'' gnment o) t& ' mortgage* deed o)tru't* monetar n'trument or ot&er document t&at 'ecure' $a ment %me to t& ' o%l gat on n t& ' account )rom t&e nce$t on o) t& ' account tot&e $re'ent date nclud ng an 'uc& a'' gnment' on MERS+

24 All record'* electron c or ot&er" 'e* o) a'' gnment' o) t& '


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mortgage* monetar n'trument or 'er( c ng r g&t' to t& ' mortgagenclud ng an 'uc& a'' gnment' on MERS+

25 All deed' n l eu* mod ) cat on' to t& ' mortgage* monetarn'trument or deed o) tru't )rom t&e nce$t on o) t& ' account to t&e

$re'ent date+

2 ,&e )ront and %ac0 o) eac& and e(er canceled c&ec0* moneorder* dra)t* de% t or cred t not ce ''ued to an 'er( cer' o) t& 'account )or $a ment o) an mont&l $a ment* ot&er $a ment* e'cro"c&arge* )ee or e.$en'e on t& ' account+

2 All e'cro" anal 'e' conducted on t& ' account )rom t&e

nce$t on o) t& ' account unt l t&e date o) t& ' letter26 ,&e )ront and %ac0 o) eac& and e(er canceled c&ec0* dra)t orde% t not ce ''ued )or $a ment o) clo' ng co't'* )ee' and e.$en'e'l 'ted on an and all d 'clo'ure 'tatement>'? nclud ng* %ut not l m ted to*a$$ra 'al )ee'* n'$ect on )ee'* t tle 'earc&e'* t tle n'urance )ee'*cred t l )e n'urance $rem um'* &a ard n'urance $rem um'* comm '' on'*attorne )ee'* $o nt'* etc+

27 Front and %ac0 co$ e' o) all $a ment rece $t'* c&ec0'* moneorder'* dra)t'* automat c de% t' and "r tten e( dence o) $a ment' made% ot&er' or me on t& ' account+

3 All letter'* 'tatement' and document' 'ent to me % ourcom$an

31 All letter'* 'tatement' and document' 'ent to me % agent'*attorne ' or re$re'entat (e' o) our com$an

32 All letter'* 'tatement' and document' 'ent to me % $re( ou''er( cer'* 'u%C'er( cer' or ot&er' n our account ) le or n our controlor $o''e'' on or n t&e control or $o''e'' on o) an a)) l ate* $arentcom$an * agent* 'u%C'er( cer'* 'er( cer'* attorne or ot&erre$re'entat (e o) our com$an +


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33 All letter'* 'tatement' and document' conta ned n t& ' account) le or maged % ou* an 'er( cer' or 'u%C'er( cer' o) t& ' mortgage)rom t&e nce$t on o) t& ' account to $re'ent date+

34 All electron c tran')er'* a'' gnment'* 'ale' o) t&e note a''et*mortgage* deed o) tru't or ot&er 'ecur t n'trument+

35 All co$ e' o) $ro$ert n'$ect on re$ort'* a$$ra 'al'* ' andre$ort' done on t&e $ro$ert +

3 All n(o ce' )or eac& c&arge 'uc& a' n'$ect on )ee'* '*a$$ra 'al )ee'* attorne )ee'* n'urance* ta.e'* a''e''ment' or an

e.$en'e* "& c& &a' %een c&arged to t& ' mortgage account )rom t&ence$t on o) t& ' account to t&e $re'ent date+

3 All c&ec0' u'ed to $a n(o ce' )or eac& c&arged 'uc& a'n'$ect on )ee'* '* a$$ra 'al )ee'* attorne )ee'* n'urance* ta.e'*

a''e''ment' or an e.$en'e "& c& &a' %een c&arged to t& ' mortgageaccount )rom t&e nce$t on o) t& ' account to t&e $re'ent date+

36 All agreement'* contract' and under'tand ng' " t& (endor' t&at&a(e %een $a d )or an c&arge on t& ' account )rom t&e nce$t on o) t& 'account to t&e $re'ent date+

37 All account 'er( c ng record'* $a ment $a o))'* $a o))calculat on'* ARM aud t'* ntere't rate ad u'tment'* $a ment record'*tran'act on & 'tor e'* account & 'tor e'* account ng record'* ledger'* anddocument' t&at relate to t&e account ng o) t& ' account )rom t&e

nce$t on o) t& ' account unt l $re'ent dateK

4 All account 'er( c ng tran'act on record'* ledger'* reg 'ter' and' m lar tem' deta l ng &o" t& ' account &a' %een 'er( ced )rom t&e )romt&e nce$t on o) t& ' account unt l $re'ent dateK

Furt&er* n order to conduct t&e aud t and re( e" o) t& ' account* andto determ ne all $ro$er amount' due* ! need t&e )ollo" ng an'"er' to


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-ue't on' concern ng t&e 'er( c ng and account ng o) t& ' mortgageaccount )rom t' nce$t on to t&e $re'ent date+ Accord ngl * can ou$lea'e $ro( de me* n "r t ng* t&e an'"er' to t&e -ue't on' l 'ted %elo"+

A /, A /,!/I L SER ! !/I SNS,EMS1 lea'e dent ) )or me eac& account account ng and 'er( c ng' 'tem u'ed % ou and an 'u%C'er( cer' or $re( ou' 'er( cer')rom t&e nce$t on o) t& ' account to t&e $re'ent date 'o t&att& ' e.$ert' can dec $&er t&e data $ro( ded+

2 For eac& account account ng and 'er( c ng ' 'tem dent ) ed %ou and an 'u%C'er( cer' or $re( ou' 'er( cer' )rom t&ence$t on o) t& ' account to t&e $re'ent date* $lea'e $ro( de

t&e name and addre'' o) t&e com$an or $art t&at de' gnedand 'old t&e ' 'tem+

3? For eac& account account ng and 'er( c ng ' 'tem u'ed % ou andan 'u%C'er( cer' or $re( ou' 'er( cer' )rom t&e nce$t on o) t& 'account to t&e $re'ent date* $lea'e $ro( de t&e com$lete tran'act oncode l 't )or eac& ' 'tem 'o t&at !* and ot&er' can ade-uatel aud tt& ' account+

DE !,S L RED!,S1? !n a '$read'&eet )orm or n letter )orm n a columnar )ormat*$lea'e deta l )or me eac& and e(er cred t on t& ' account and t&e date'uc& cred t "a' $o'ted to t& ' account a' "ell a' t&e date an cred t"a' rece (ed+

2? !n a '$read'&eet )orm or n letter)orm n a columnar )ormat*$lea'e deta l )or me eac& and e(er de% t on t& ' account and t&e datede% t "a' $o'ted to t& ' account a' "ell a' t&e date an de% t "a'rece (ed+

3? For eac& de% t or cred t l 'ted* $lea'e $ro( de me " t& t&ede) n t on )or eac& corre'$ond ng tran'act on code ou ut l eK


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4? For eac& tran'act on code* $lea'e $ro( de u' " t& t&e ma'tertran'act on code l 't u'ed % ou or $re( ou' 'er( cer'+

M R,IAIE L ASS!I/ME/,S

1? a' eac& 'ale* tran')er or a'' gnment o) t& ' mortgage* monetarn'trument* deed o) tru't or an ot&er n'trument ! e.ecuted to 'ecuret& ' de%t %een recorded n t&e count $ro$ert record' n t&e countand 'tate n "& c& m $ro$ert ' located )rom t&e nce$t on o) t& 'account to t&e $re'ent dateK Ne' or /oK

2? !) not* "& K

3? !' our com$an t&e 'er( cer' o) t& ' mortgage account or t&e&older n due cour'e and %ene) c al o"ner o) t& ' mortgage* monetar

n'trument and or deed o) tru'tK

4? a(e an 'ale'* tran')er' or a'' gnment' o) t& ' mortgage*monetar n'trument* deed o) tru't or an ot&er n'trument ! e.ecutedto 'ecure t& ' de%t %een recorded n an electron c )a'& on 'uc& a'MERS or ot&er nternal or e.ternal record ng ' 'tem )rom t&e nce$t ono) t& ' account to t&e $re'ent dateK Ne' or /oK

5? !) e'* $lea'e deta l )or me t&e name' o) eac& 'eller* $urc&a'er*a'' gnor* a'' gnee or an &older n due cour'e to an r g&t or o%l gat ono) an note* mortgage* deed or 'ecur t n'trument ! e.ecuted 'ecur ngt&e o%l gat on on t& ' account t&at "a' not recorded n t&e countrecord' "&ere m $ro$ert ' located "&et&er t&e %e mortgage'er( c ng r g&t' or t&e %ene) c al ntere't n t&e $r nc $al and ntere't$a ment'+

A,, R/EN FEES1? For $ur$o'e' o) m -ue't on' %elo" deal ng " t& attorne )ee'*$lea'e con' der t&e term' attorne )ee' and legal )ee' to %e one n t&e'ame+

2? a(e attorne )ee' e(er %een a''e''ed to t& ' account )rom t&e


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nce$t on o) t& ' account to t&e $re'ent dateK

3? !) e'* $lea'e deta l eac& 'e$arate a''e''ment* c&arge andcollect on o) attorne )ee' to t& ' account )rom t&e nce$t on o) t& '

account to t&e $re'ent date and t&e date o) 'uc& a''e''ment to t& 'accountK

4? a(e attorne )ee' e(er %een c&arged to t& ' account )rom t&ence$t on o) t& ' account to t&e $re'ent dateK

5? !) e'* $lea'e deta l eac& 'e$arate c&arge o) attorne )ee' tot& ' account )rom t&e nce$t on o) t& ' account to t&e $re'ent date andt&e date o) 'uc& c&arge to t& ' accountK

6? a(e attorne )ee' e(er %een collected )rom t& ' account )romt&e nce$t on o) t& ' account to t&e $re'ent dateK

7? !) e'* $lea'e deta l eac& 'e$arate collect on o) attorne )ee')rom t& ' account )rom t&e nce$t on o) t& ' account to t&e $re'entdate and t&e date o) 'uc& collect on )rom t& ' accountK

8? lea'e $ro( de )or me t&e name and addre'' o) eac& attorne orla" ) rm t&at &a' %een $a d an )ee' or e.$en'e' related to t& 'account )rom t&e nce$t on o) t& ' account to t&e $re'ent dateK

9? lea'e dent ) )or me n "r t ng t&e $ro( ' on* $aragra$&* 'ect onor 'entence o) an note* mortgage* deed o) tru't or an agreement !' gned aut&or ed t&e a''e''ment* c&arge or collect on o) attorne)ee'K

1=? lea'e deta l and l 't )or me n "r t ng eac& 'e$arate attorne )eea''e''ed to t& ' account and )or "& c& corre'$ond ng $a ment $er od ormont& 'uc& )ee "a' a''e''ed )rom t&e nce$t on o) t& ' account to$re'ent date+


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11? lea'e deta l and l 't )or me n "r t ng eac& 'e$arate attorne )eecollected )rom t& ' account and )or "& c& corre'$ond ng $a ment $er odor mont& 'uc& )ee "a' collected )rom t&e nce$t on o) t& ' account to$re'ent date+

12? lea'e deta l and l 't )or me n "r t ng an ad u'tment' n attorne)ee' a''e''ed and on "&at date 'uc& ad u'tment "a' made and t&erea'on' )or 'uc& ad u'tment+

13? lea'e deta l and l 't )or me n "r t ng an ad u'tment' n attorne)ee' collected and on "&at date 'uc& ad u'tment "ere made and t&erea'on' )or 'uc& ad u'tment+

14? a' ntere't %een c&arged on an attorne )ee a''e''ed orc&arged to t& ' accountK Ne' or /oK

15? !' ntere't allo"ed to %e a''e''ed or c&arged on attorne )ee'c&arged or a''e''ed to t& ' accountK Ne' or /oK

16? o" muc& n total attorne )ee' &a(e %een a''e''ed to t& '

account )rom t&e nce$t on o) t& ' account unt l $re'ent dateKOPPPPPPPPPPPP

17? o" muc& n total attorne )ee' &a(e %een collected on t& 'account )rom t&e nce$t on o) t& ' account unt l $re'ent dateKOPPPPPPPPPP

18? o" muc& n total attorne )ee' &a(e %een c&arged to t& 'account )rom t&e nce$t on o) t& ' account unt l $re'ent dateKOPPPPPPPPPP

19? lea'e 'end to me co$ e' o) all n(o ce' and deta led % ll ng'tatement' )rom an la" ) rm or attorne t&at &a' % lled 'uc& )ee't&at %een a''e''ed or collected )rom t& ' account+

S S E/SE /A B!ED A /,S


14/28

For $ur$o'e' o) t& ' 'ect on* $lea'e treat t&e term 'u'$en'e accountand una$$l ed account a' one n t&e 'ame+

1? a' t&ere %een an 'u'$en'e or una$$l ed account tran'act on' on

t& ' account )rom t&e nce$t on o) t& ' account unt l $re'ent dateK2? !) e'* $lea'e e.$la n t&e rea'on )or eac& and e(er 'u'$en'etran'act on t&at occurred on t& ' accountK !) no* $lea'e '0 $ t&e-ue't on' n t& ' 'ect on deal ng " t& 'u'$en'e and una$$l ed account'+

3? !n a '$read'&eet or n letter )orm n a columnar )ormat* $lea'edeta l )or me eac& and e(er 'u'$en'e or una$$l ed tran'act on* %ot&de% t' and cred t' t&at &a' occurred on t& ' account )rom t&e nce$t ono) t& ' account unt l $re'ent dateK

BA,E FEESFor $ur$o'e' o) m -ue't on' %elo" deal ng " t& late )ee'* $lea'econ' der t&e term' late )ee' and late c&arge' to %e one n t&e 'ame+

1? a(e ou re$orted t&e collect on o) late )ee' on t& ' account a'ntere't n an 'tatement to me or to t&e !RSK Ne' or /oK

2? a' an $re( ou' 'er( cer' or 'u%C'er( cer' o) t& ' mortgagere$orted t&e collect on o) late )ee' on t& ' account a' ntere't n an'tatement to me or to t&e !RSK Ne' or /oK

3? Do ou con' der t&e $a ment o) late )ee' a' l -u dated damage' toou )or not rece ( ng $a ment on t meK Ne' or /oK

4? Are late )ee' con' dered ntere'tK Ne' or /oK

5? lea'e deta l )or me n "r t ng "&at e.$en'e' and damage' ouncurred )or an $a ment ! made t&at "a' late+

6? ;ere an o) t&e'e e.$en'e' or damage' c&arged or a''e''ed tot& ' account n an ot&er "a K Ne' or /oK


15/28

7? !) e'* $lea'e de'cr %e "&at e.$en'e' or c&arge' "ere c&arged ora''e''ed to t& ' accountK

8? lea'e de'cr %e )or me n "r t ng "&at e.$en'e' ou or ot&er'undertoo0 due to an $a ment ! made* "& c& "a' lateK

9? lea'e de'cr %e )or me n "r t ng "&at damage' ou or ot&er'undertoo0 due to an $a ment ! made* "& c& "a' lateK

1=? lea'e dent ) )or me n "r t ng t&e $ro( ' on* $aragra$&* 'ect onor 'entence o) an note* mortgage* deed o) tru't or an agreement !' gned aut&or ed t&e a''e''ment or collect on o) late )ee'K

11? lea'e deta l and l 't )or me n "r t ng eac& 'e$arate late )eea''e''ed to t& ' account and )or "& c& corre'$ond ng $a ment $er od ormont& 'uc& late )ee "a' a''e''ed )rom t&e nce$t on o) t& ' accountto $re'ent date+

12? lea'e deta l and l 't )or me n "r t ng eac& 'e$arate late )eecollected )rom t& ' account and )or "& c& corre'$ond ng $a ment $er odor mont& 'uc& late )ee "a' collected )rom t&e nce$t on o) t& ' accountto $re'ent date+

13? lea'e deta l and l 't )or me n "r t ng an ad u'tment' n late)ee' a''e''ed and on "&at date 'uc& ad u'tment "a' made and t&erea'on' )or 'uc& ad u'tment+

14? a' ntere't %een c&arged on an late )ee a''e''ed or c&arged tot& ' accountK Ne' or /oK

15? !' ntere't allo"ed to %e a''e''ed or c&arged on late )ee'c&arged or a''e''ed to t& ' accountK Ne' or /oK

16? a(e an late c&arge' %een a''e''ed to t& ' accountK Ne' or /oK


16/28

17? !) e'* &o" muc& n total late c&arge' &a(e %een a''e''ed to t& 'account )rom t&e nce$t on o) t& ' account unt l $re'ent dateKOPPPPPPPPPPPP

18? lea'e $ro( de me " t& t&e e.act mont&' or $a ment date' ou orot&er $re( ou' 'er( cer' o) t& ' account cla m ! &a(e %een late " t& a$a ment )rom t&e nce$t on o) t& ' account to t&e $re'ent date+

19? a(e late c&arge' %een collected on t& ' account )rom t&ence$t on o) t& ' account unt l $re'ent dateK Ne' or /oK

2=? !) e'* &o" muc& n total late c&arge' &a(e %een collected on t& 'account )rom t&e nce$t on o) t& ' account unt l $re'ent dateKOPPPPPPPPPP

R ER,N !/S E ,! /S1? For $ur$o'e' o) t& ' 'ect on $ro$ert n'$ect on and n'$ect on )eere)er to an n'$ect on o) $ro$ert % an 'ource and an related )eeor e.$en'e c&arged* a''e''ed or collected )or 'uc& n'$ect on+

2? a(e an $ro$ert n'$ect on' %een conducted on m $ro$ert )romt&e nce$t on o) t& ' account unt l t&e $re'ent dateK

3? !) our an'"er ' no* ou can '0 $ t&e re't o) t&e'e -ue't on' nt& ' 'ect on concern ng $ro$ert n'$ect on'K

4? !) e'* $lea'e tell me t&e date o) eac& $ro$ert n'$ect onconducted on m $ro$ert t&at ' t&e 'ecured ntere't )or t& '

mortgage* deed or noteK

5? lea'e tell me t&e $r ce c&arged )or eac& $ro$ert n'$ect onK

6? lea'e tell me t&e date o) eac& $ro$ert n'$ect onK

7? lea'e tell me t&e name and addre'' o) eac& com$an and $er'on


17/28

"&o conducted eac& $ro$ert n'$ect on on m $ro$ert K

8? lea'e tell me "& $ro$ert n'$ect on' "ere conducted on m$ro$ert K

9? lea'e tell me &o" $ro$ert n'$ect on' are %ene) c al to me+

1=? lea'e tell me &o" $ro$ert n'$ect on' are $rotect (e o) m$ro$ert +

11? lea'e e.$la n to me our $ol c on $ro$ert n'$ect on'+

12? Do ou con' der t&e $a ment o) n'$ect on )ee' a' a co't o)

collect onK Ne' or /oK13? !) e'* "& K

14? Do ou u'e $ro$ert n'$ect on' to collect de%t'K Ne' or /oK

15? a(e ou u'ed an $ort on o) t&e $ro$ert n'$ect on $roce'' onm $ro$ert to collect a de%t or n)orm me o) a de%t* $a ment oro%l gat on ! o"eK

16? !) e'* $lea'e an'"er "&en and "& K

17? lea'e dent ) )or me n "r t ng t&e $ro( ' on* $aragra$&* 'ect onor 'entence o) an note* mortgage* deed o) tru't or an agreement !' gned t&at aut&or ed t&e a''e''ment or collect on o) $ro$ert

n'$ect on )ee'K

18? a(e ou la%eled n an record or document 'ent to me a $ro$ertn'$ect on a' a m 'c+ ad(anceK Ne' or /oK

19? !) e'* "& K

2=? a(e ou la%eled n an record or document 'ent to me a $ro$ertn'$ect on a' a legal )ee or attorne )eeK Ne' or /oK


18/28

21? !) e'* "& K

22? lea'e deta l and l 't )or me n "r t ng eac& 'e$arate n'$ect on)ee a''e''ed to t& ' account and )or "& c& corre'$ond ng $a ment

$er od or mont& 'uc& )ee "a' a''e''ed )rom t&e nce$t on o) t& 'account to $re'ent date+

23? lea'e deta l and l 't )or me n "r t ng eac& 'e$arate n'$ect on)ee collected )rom t& ' account and )or "& c& corre'$ond ng $a ment$er od or mont& 'uc& )ee "a' collected )rom t&e nce$t on o) t& 'account to $re'ent date+

24? lea'e deta l and l 't )or me n "r t ng an ad u'tment' nn'$ect on )ee' a''e''ed and on "&at date 'uc& ad u'tment "a' made

and t&e rea'on' )or 'uc& ad u'tment+

25? lea'e deta l and l 't )or me n "r t ng an ad u'tment' nn'$ect on )ee' collected and on "&at date 'uc& ad u'tment "a' made

and t&e rea'on' )or 'uc& ad u'tment+

26? a' ntere't %een c&arged on an n'$ect on )ee' a''e''ed orc&arged to t& ' accountK Ne' or /oK

27? !) e'* "&en and &o" muc& "a' c&argedK

28? !' ntere't allo"ed to %e a''e''ed or c&arged on n'$ect on )ee'c&arged or a''e''ed to t& ' accountK Ne' or /oK

29? o" muc& n total n'$ect on )ee' &a(e %een a''e''ed to t& 'account )rom t&e nce$t on o) t& ' account unt l $re'ent dateKOPPPPPPPPPPPP

3=? o" muc& n total n'$ect on )ee' &a(e %een collected on t& 'account )rom t&e nce$t on o) t& ' account unt l $re'ent dateKOPPPPPPPPPP


19/28

31? lea'e )or"ard to me co$ e' o) all $ro$ert n'$ect on' made onm $ro$ert n t& ' mortgage account ) le+

32? a' an )ee c&arged or a''e''ed )or $ro$ert n'$ect on' %een$laced nto e'cro" accountK Ne' or noK

FEES1? a(e an ' ro0er r ce $ n on' %een conducted on m$ro$ert K

2? !) e'* $lea'e tell me t&e date o) eac& conducted on m$ro$ert t&at ' t&e 'ecured ntere't )or t& ' mortgage* deed or noteK

3? lea'e tell me t&e $r ce o) eac& K

4? lea'e tell me "&o conducted eac& K

5? lea'e tell me "& ' "ere conducted on m $ro$ert

6? lea'e tell me &o" ' are %ene) c al to me+

7? lea'e tell me &o" ' are $rotect (e o) m $ro$ert +8? lea'e e.$la n to me our $ol c on '+

9? a(e an )ee' %een a''e''ed to t& ' accountK Ne' or /oK

1=? !) e'* &o" muc& n total )ee' &a(e %een a''e''ed to t& 'accountK OPPPPPPPP

11? a(e an )ee' %een c&arged to t& ' accountK Ne' or /oK

12? !) e'* &o" muc& n total )ee' &a(e %een c&arged to t& 'accountK OPPPPPP

13? lea'e tell me '$ec ) call "&at clau'e* $aragra$& and 'entence nt&e note* mortgage or deed o) tru't or an agreement ! &a(e e.ecuted


20/28

allo"' ou to a''e''* c&arge or collect a )ee )rom me+

14? lea'e 'end to me co$ e' o) all re$ort' t&at &a(e %een done onm $ro$ert +

15? a' an )ee c&arged or a''e''ed )or A %een $laced ntoe'cro"K Ne' or noK

F R EDC BA ED !/S RA/ E1? a(e ou $laced or ordered an )orcedC$laced n'urance $ol ce' onm $ro$ert K

2? !) e'* $lea'e tell me t&e date o) eac& $ol c ordered or $laced

on m $ro$ert t&at ' t&e 'ecured ntere't )or t& ' mortgage* deed ornoteK

3? lea'e tell me t&e $r ce o) eac& $ol c K

4? lea'e tell me t&e agent )or eac& $ol c K

5? lea'e tell me "& eac& $ol c "a' $laced on m $ro$ert +

6? lea'e tell me &o" t&e $ol c e' are %ene) c al to me+

7? lea'e tell me &o" $ol c e' are $rotect (e o) m $ro$ert +

8? lea'e e.$la n to me our $ol c on )orcedC$laced n'urance+

9? a(e an )orcedC$laced n'urance )ee' %een a''e''ed to t& 'mortgage or e'cro" accountK Ne' or /oK

1=? !) e'* &o" muc& n total )orcedC$laced $ol c )ee' &a(e %eena''e''ed to t& ' accountK OPPPPPPPP

11? a(e an )orcedC$laced n'urance )ee' %een c&arged to t& 'mortgage or e'cro" accountK Ne' or /oK


21/28

12? !) e'* &o" muc& n total )orcedC$laced n'urance )ee' &a(e %eenc&arged to t& ' mortgage or e'cro" accountK OPPPPPP

13? lea'e tell me '$ec ) call "&at clau'e* $aragra$& and 'entence n

t&e note* mortgage or deed o) tru't or an agreement ! &a(e e.ecutedallo"' ou to a''e''* c&arge or collect )orcedC$laced n'urance )ee')rom me+

14? Do ou &a(e an relat on'& $ " t& t&e agent or agenc t&at $lacedan $ol c e' on m $ro$ert K !) e'* $lea'e de'cr %e+

15? Do ou &a(e an relat on'& $ " t& t&e carr er t&at ''ued an

$ol c e' on m $ro$ert K !) e'* $lea'e de'cr %e+

16? a' t&e agenc or carr er ou u'ed to $lace a )orcedC$lacedn'urance $ol c on m $ro$ert $ro( ded ou an 'er( ce* com$uter

' 'tem* d 'count on $ol c e'* comm '' on'* re%ate' or an )orm o)con' derat onK !) e'* $lea'e de'cr %e+

17? Do ou ma nta n a %lan0et n'urance $ol c to $rotect our

$ro$ert e' "&en cu'tomer $ol c e' &a(e e.$ redK18? lea'e 'end to me co$ e' o) all )orcedC$laced n'urance $ol c e't&at &a(e %een ordered on m $ro$ert +

SER ! !/I REBA,ED ES,! /SFor eac& o) t&e )ollo" ng -ue't on' l 'ted %elo"* $lea'e $ro( de me " t&a deta led e.$lanat on n "r t ng t&at an'"er' eac& -ue't on+ !nadd t on* ! need t&e )ollo" ng an'"er' to -ue't on' concern ng t&e'er( c ng o) t& ' mortgage account )rom t' nce$t on to t&e $re'entdate+ Accord ngl * can ou $lea'e $ro( de me* n "r t ng* t&e an'"er' tot&e -ue't on' l 'ted %elo":

1? D d t&e or g nator or $re( ou' 'er( cer' o) t& ' account &a(e an) nanc ng agreement' or contract' " t& our com$an or an a)) l ate o)


22/28

our com$an K

2? D d t&e or g nator o) t& ' account or $re( ou' 'er( cer' o) t& 'account &a(e a "are&ou'e account agreement or contract " t& ourcom$an K

3? D d t&e or g nator o) t& ' account or $re( ou' 'er( cer' o) t& 'account rece (e an com$en'at on* )ee* comm '' on* $a ment* re%ate orot&er ) nanc al con' derat on )rom our com$an or an a)) l ate o) ourcom$an )or &andl ng* $roce'' ng* or g nat ng or adm n 'ter ng t& ' loanK!) e'* $lea'e de'cr %e and tem e eac& and e(er )orm o)com$en'at on* )ee* comm '' on* $a ment* re%ate or ot&er ) nanc alcon' derat on $a d to t&e or g nator o) t& ' account % our com$an oran a)) l ate+

4? lea'e dent ) )or me "&ere t&e or g nal' o) t& ' ent re account) le are currentl located and &o" t&e are %e ng 'tored* 0e$t and$rotectedK

5? ;&ere ' t&e or g nal monetar n'trument or mortgage ! ' gnedlocatedK lea'e de'cr %e t' $& ' cal locat on and an one &old ng t& 'note a' a cu'tod an or tru'tee ) a$$l ca%le+

6? ;&ere ' t&e or g nal deed o) tru't or mortgage and note ! ' gnedlocatedK lea'e de'cr %e t' $& ' cal locat on and an one &old ng t& 'note a' a cu'tod an or tru'tee ) a$$l ca%le+

7? S nce t&e nce$t on o) t& ' loan* &a' t&ere %een an a'' gnment o)m monetar n'trument a''et to an ot&er $art K !) t&e an'"er '

e'* dent ) t&e name' and addre''e' o) eac& and e(er# nd ( dual* $art#* %an0* tru't or ent t# t&at &a' rece (ed 'uc& a'' gnmentK

8? S nce t&e nce$t on o) t& ' loan* &a' t&ere %een an a'' gnment o)t&e deed o) tru't or mortgage and note to an ot&er $art K !) t&ean'"er ' e'* "ould ou 0 ndl dent ) t&e name' and addre''e' o)


23/28

eac& and e(er nd ( dual* $art * %an0* tru't or ent t t&at &a'rece (ed 'uc& a'' gnmentK

9? S nce t&e nce$t on o) t& ' loan* &a' t&ere %een an 'ale ora'' gnment o) 'er( c ng r g&t' to t& ' mortgage account to an ot&er$art K !) t&e an'"er ' e'* "ould ou 0 ndl dent ) t&e name' andaddre''e' o) eac& and e(er nd ( dual* $art * %an0* tru't or ent tt&at &a' rece (ed 'uc& a'' gnment or 'ale+

1=? S nce t&e nce$t on o) t& ' loan* &a' an 'u%C'er( cer' 'er( cedan $ort on o) t& ' mortgage loanK !) t&e an'"er ' e'* "ould ou0 ndl dent ) t&e name' and addre''e' o) eac& and e(er nd ( dual*$art * %an0* tru't or ent t t&at &a' 'u%C'er( ced t& ' mortgage loan+

11? a' t& ' mortgage account %een made a $art o) an mortgage $ool' nce t&e nce$t on o) t& ' loanK !) e'* $lea'e dent ) )or me eac&and e(er account mortgage $ool t&at t& ' mortgage &a' %een a $art o))rom t&e nce$t on o) t& ' account to t&e $re'ent date+

12? a' eac& and e(er a'' gnment o) m a''et monetar n'trument%een recorded n t&e count land record' "&ere t&e $ro$ert a''oc ated" t& t& ' mortgage account ' locatedK

13? a' t&ere %een an electron c a'' gnment o) t& ' mortgage " t&MERS Mortgage Electron c Reg 'trat on S 'tem or an ot&er com$utermortgage reg 'tr 'er( ce or com$uter $rogramK !) e'* $lea'e dent )t&e name and addre'' o) eac& and e(er nd ( dual* ent t * $art * %an0*tru't or organ at on or 'er( cer' t&at &a' %een a'' gned t&e mortgage'er( c ng r g&t' to t& ' account a' "ell a' t&e %ene) c al ntere't to t&e

$a ment' o) $r nc $al and ntere't on t& ' loan+14? a(e t&ere %een an n(e'tor' a' de) ned n our ndu'tr "&o&a(e $art c $ated n an mortgageC%ac0ed 'ecur t * collateral mortgageo%l gat on or ot&er mortgage 'ecur t n'trument t&at t& ' mortgageaccount &a' e(er %een a $art o) )rom t&e nce$t on o) t& ' mortgage tot&e $re'ent dateK !) e'* $lea'e dent ) t&e name and addre'' o)


24/28

eac& and e(er nd ( dual* ent t * organ at on and or tru't+

15? lea'e dent ) )or me t&e $art e' and t&e r addre''e' to all 'ale'contract'* 'er( c ng agreement'* a'' gnment'* alonge'* tran')er'*

ndemn ) cat on agreement'* recour'e agreement' and an agreementrelated to t& ' account )rom t' nce$t on to t&e current date "r ttena%o(e+

16? lea'e $ro( de me " t& co$ e' o) all 'ale' contract'* 'er( c ngagreement'* a'' gnment'* alonge'* tran')er'* ndemn ) cat onagreement'* recour'e agreement' and an agreement related to t& 'account )rom t' nce$t on to t&e current date "r tten a%o(e+

17? o" muc& "a' $a d )or t& ' nd ( dual mortgage account % ouK

18? !) $art o) a mortgage $ool* "&at "a' t&e $r nc $al %alance u'ed% ou to determ ne $a ment )or t& ' nd ( dual mortgage loan+

19? !) $art o) a mortgage $ool* "&at "a' t&e $ercentage $a d % ouo) t&e $r nc $al %alance a%o(e u'ed to determ ne $urc&a'e o) t& '

nd ( dual mortgage loan+

2=? ;&o d d ou ''ue a c&ec0 or $a ment to )or t& ' mortgage loanK

21? lea'e $ro( de me co$ e' " t& t&e )ront and %ac0 o) canceledc&ec0+ 22? D d an n(e'tor a$$ro(e t&e )oreclo'ure o) m $ro$ert K

23? a' D a'' gned or tran')erred )oreclo'ure r g&t' to ou a're-u red % 12 S 3754K

24? lea'e dent ) all $er'on' "&o a$$ro(ed t&e )oreclo'ure o) m$ro$ert

lea'e $ro( de me " t& t&e document' ! &a(e re-ue'ted and a deta led


25/28

an'"er to eac& o) m -ue't on' " t& n t&e re-u red la")ul t me )rame+$on rece $t o) t&e document' and an'"er'* an e.am and aud t " ll %e

conducted t&at ma lead to a )urt&er document re-ue't and an'"er' to-ue't on' under an add t onal ;R letter+

o$ e' o) t& ' ual ) ed ;r tten Re-ue't* al dat on o) De%t* ,!BA andre-ue't )or account ng and legal record'* D '$ute o) De%t letter are%e ng 'ent to F, * D* ,&r )t Su$er( ' on* all rele(ant 'tate and)ederal regulator' and ot&er con'umer ad(ocate' and m congre''man+

!t ' m &o$e t&at ou an'"er t& ' RES A RE ES, n accordance " t&la" and t&e -ue't on'* document' and (al dat on o) de%t to t&e $ennand correct an a%u'e>'? or 'c&eme>'? unco(ered and documented+

De)ault ro( ' on>'? under t& ' AB!F!ED ;R!,,E/ RES A RE ES, RED!, R /AME EREJ' or an agent'* tran')er'* or a'' gn' om '' on'

o) or agreement % ' lence o) t& 'RES A RE ES, ( a cert ) ed re%uttal o) an and all $o nt' &ere n t& '

RES A RE ES,H*agree' and con'ent' to nclud ng %ut not l m ted % an ( olat on' o) la"

and or mmed ateterm nate remo(e an and all r g&t* t tle and ntere't' >l en'? n Qo&n

enr Doe or an $ro$ert orcollateral connected to Qo&n enr Doe or account # 123456789 and

"a (e' anand all mmun t e' or de)en'e' n cla m' and or ( olat on' agreed to n

t& ' RES A RE ES, nclud ng %ut not l m ted % an and all:

1+ Qo&n enr DoeJ' r g&t* % %reac& o) ) duc ar re'$on' % l tand )raud and m 're$re'entat on re(ocat on and re'c nd ng o) anand all $o"er o) attorne or a$$o ntment RED!, R /AME EREma &a(e or ma &a(e &ad n connect on " t& account #123456789 and an $ro$ert and or real e'tate connected " t&account # 123456789+


26/28

2+ Qo&n enr DoeJ' r g&t to &a(e an cert ) cated oruncert ) cated 'ecur t reCreg 'tered n Qo&n enr DoeJ'* andonl Qo&n enr DoeJ' name+

3+ Qo&n enr DoeJ' r g&t o) collect on ( a RED!, R /AMEEREJ' l a% l t n'urance and or %ond+

4+ Qo&n enr DoeJ' ent tlement n ) l ng and e.ecut ng ann'trument'* a' $o"er o) attorne )or and % RED!, R /AMEERE* nclud ng %ut not l m ted % a ne" cert ) cated 'ecur t or

an 'ecur t agreement $er)ected % ) l ng a F nanc ngStatement " t& t&e Secretar o) State n t&e State "&ere t&e

RED!, R /AME ERE ' located+5+ Qo&n enr DoeJ' r g&t to damage' %ecau'e o) RED!, R/AME EREJ' "rong)ul reg 'trat on* %reac& o) ntermed arre'$on' % l t " t& regard to Qo&n enr DoeJ' a''et %

RED!, R /AME ERE ''u ng to Qo&n enr Doe a cert ) edc&ec0 )or t&e or g nal (alue o) Qo&n enr DoeJ' monetar

n'trument+

6+ Qo&n enr DoeJ' r g&t to &a(e account # 123456789com$letel 'et o)) %ecau'e o) RED!, R /AME EREJ' "rong)ulreg 'trat on* %reac& o) ntermed ar re'$on' % l t " t& regard toQo&n enr DoeJ' monetar n'trument a''et % RED!, R /AME

ERE 'end ng con) rmat on o) 'et o)) o) "rong)ul l a% l t o) Qo&nenr Doe and ''u ng a cert ) ed c&ec0 )or t&e d ))erence

%et"een t&e or g nal (alue o) Qo&n enr DoeJ' monetar

n'trument a''et and "&at Qo&n enr Doe m 'ta0enl 'entto RED!, R /AME ERE a' $a ment )or 'uc& "rong)ul l a% l t +

RED!, R /AME ERE or an tran')er'* agent' or a'' gn' o))er ng are%uttal o) t& ' RES A RE ES, mu't

do 'o n t&e manner o) t& ' GRES A RE ES,H n accordance o) and ncom$l ance " t&


27/28

current 'tatute' and or la"' % ' gn ng n t&e ca$ac t o) a )ull l a%leman or "oman %e ng

re'$on' %le and l a%le under t&e $enalt o) $er ur "& le o))er ng d rectte't mon " t& t&e

o)) c al ca$ac t a' an a$$o nted agent )or RED!, R /AME ERE naccordance " t& RED!, R /AME EREJ' Art cle' o)!ncor$orat on* Art cle o) !ncor$orat on* Ba"' dul ' gned % a

current and dul '"orn underoat& d rector>'? o) 'uc& cor$orat on old ng or$orat on /at onal

A''oc at on+ An d rectre%uttal " t& cert ) ed true and com$lete accom$an ng $roo) mu't %e

$o'ted " t& t&e /otar

addre'' &ere n " t& n ' .t da '+ ;&en no (er ) ed re%uttal o) t& 'GRES A RE ES,H ' maden a t mel manner* a G ert ) cate o) /onCRe'$on'eH 'er(e' a'

RED!, R /AME EREJ' udgment andcon'ent agreement % mean' o) ' lence " t& an and all cla m' and or

( olat on' &ere nC'tated nt&e de)ault $ro( ' on' or an ot&er la"+

o"er o) Attorne : ;&en RED!, R /AME ERE )a l' % notre%utt ng to an $art o) t& ' GRES A RE ES,H RED!, R /AME

ERE agree' " t& t&e grant ng unto Qo&n enr DoeJ' unl m ted o"ero) Attorne and an and all )ull aut&or at on n ' gn ng or endor' ng

RED!, R /AME EREJ' name u$on an n'trument' n 'at ')act on o)t&e o%l gat on>'? o) t& ' RES A RE ES, Agreement or an agreementar ' ng )rom t& ' agreement+ reCem$t on o) or to an an0ru$tc$roceed ng '&all not d 'c&arge an o%l gat on>'? o) t& ' agreement+

on'ent and agreement " t& t& ' o"er o) Attorne % RED!, R/AME ERE "a (e' an and all cla m' o) Qo&n enr Doe* and orde)en'e' and rema n' n e))ect unt l 'at ')act on o) all o%l gat on>'? %

RED!, R /AME ERE &a' %een 'at ') ed+

S ncerel *


28/28

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451 Se(ent& Street* S;

2+ )) ce o) ou' ng Enter$r 'e (er' g&t > F E ?17== I Street* /;+* Fourt& Floor*;a'& ngton* D 2=552+

Documents

74392400 Mortgage Debt Validation Letter Notice QWR GUD2