Dkt 35 09.06.2013 Declaration of Heather Dispenza
Transcript of Dkt 35 09.06.2013 Declaration of Heather Dispenza
7/22/2019 Dkt 35 09.06.2013 Declaration of Heather Dispenza
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JACOB D. BRADBURN, an individual,
Plaintiff,
v.
RECONTRUST COMPANY, N.A., a limited-purpose national trust bank; FIDELITYNATIONAL TITLE, a corporation;MORTGAGE ELECTRONICREGISTRATION SYSTEMS, INC., a foreigncorporation; BAC HOME LOANSSERVICING, LP FKP COUNTRYWIDEBANK HOME LOANS SERVICING LP, Aforeign entity; BANK OF AMERICA, N.4., a
national bank; BANK OF AMERICACORPORATION, a foreign corporation;COUNTRYWIDE FINANCIALCORPORATION, a foreign corporation;COLINTRYWIDE HOME LOANS, INC., Aforei gn corporation ; FEDERAL NATIONALMORTGAGE ASSOCIATION, a federallychartered corporation, LINDA GREEN DOES1-10, unknown persons; and QUICKDRAWREAL ESTATE SERVICES, INC d/b/AHOMESTAR LENDING, a domestic
CO. dlbla COMMONWEALTH UNITED
MORTGAGE COMPANY, a foreigncorporation; STEWART TITLE, a domesticcorporation,
Defendants.
NO. I t-2-08345-2
DECI,ARATION OF HEATHERDISPENZA
SUPERIOR COURT OF WASHINGTON
COUNTY OF SNOHOMISH
THE CIVIL MOTIONS JUDGEHearing Date: September 17,2013
Hearing Time: 9:30 a.m.With Oral Argument
LANE POWELL PCI42O FTF"IH AVENUE, SUITE 41OO
SEAT"ILE,"I/ASHINGTON
981 0l-233820 6.223.1 000 F AX: 206.223.7 1 O'1
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DECLARATION OF HEATHER DISPENZA - 1
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DECIiARATION
I, Heather Dispenza, hereby declare as follows:
1. I am an Assistant Vice President, Operations Team Manager, employed byBank of America, N,A. (*BANA"). The information contained in this declaration is true and
correct to the best of my knowledge, information and belief, and if called to testify regarding
the matters addressed herein, I could and would competently do so based on my personal
knowledge of the business records of BANA.
2. From my general job duties, I am familiar with the ordinary and customary
method and manner of the preparation and maintenance of BANA's business records' I am
able to make this declaration based on my review of BANA's business records. I have
reviewed the business records of BANA relating to the loan described below, and I am able to
make this declaration based on my review.
3. In the ordinary course of its business, BANA maintains a record of all loan
contracts and agreements serviced by BANA (and its predecessors) on behalf of lenders and
beneficiaries, including promissory notes and associated documents pertaining to the
origination of the loan. BANA also maintains records related to servicing such loans' Such
records are made at or near the time of the acts or events recorded by a person with
knowledge of the events contained therein, The exhibits hereto are business records of
BANA.
4. The loan at issue in the Complaint ("Loan") was issued to Jacob D. Bradburn
("Borrower") by Homestar Lending on or about December 14, 2005, to finance real property
located at 4819 i 3 6th Place NE, Marysville, Washington 9827 1 (the "Property
original principal amount of the Loan was $200,900.
-).Ttre
5, The promissory note evidencing the Loan (the "Note") was secured to the
Property by a Deed of Trust that was executed by Borrower and recorded in Snohomish
County on December 21,2005 at no. 200512211157 .
DECLARATION OF HEATHER DISPENZA_z
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6. Immediately following the Loan's origination, Countrywide Home Loans
Servicing LP began servicing the Loan.
7. On or about January 3,2006, Fannie Mae became the owner of the Loan.
However, Countrywide Home Loan Servicing LP retained servicing rights with respect to the
Loan.
8. A true and accurate copy of the Note containing an endorsement from
HomeStar Lending to Countrywide Bank, N.4,, an endorsement frorn Countrywide Bank,
N,A. to Countrywide Home Loans, Inc., and an endorsement in blank from Countrywide
Home Loans, Inc. is attached as Exhibit A.
9. A true and accurate copy of an allonge to the Note is attached as Exhibit B.
10. The Note was placed in storage for the benefit of Fannie Mae and in
accordance with Farurie Mae guidelines.
1 l. Countrywide Home Loans Servicing LP continued to service the Loan on
behalf of Federal National Mortgage Association ("Fannie Mae"). This arrangement was
designed to allow Countrywide Home Loans Servicing LP to take all actions necessary for the
collection andenforcement of the l-oan, including receiving and
processing loan payments,
communicating with regarding the loan, and, should such action be necessary, initiating
foreclosure, consistent with the Note, deed of trust and Fannie Mae servicing guidelines.
12. Pursuant to its role as servicer of the Loan, Countrywide Home Loans
Servicing LP was responsible for, among other tasks, receiving and processing Loan
payments, communicating with borrowers regarding the Loan, and protecting the collateral
(the Property) consistent with the Note, Deed of Trust, and servicing guidelines.
13. Bank of America Corporation acquired Countrywide Financial Corporation in
2008.
14. In April 2009, following Bank of America Corporation's acquisition of
Countrywide Financial Corporation, Countrywide Home Loans Servicing LP changed its
DECLARATION OF HEATHER DISPENZA_3
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name to BAC Home Loans Servicing, LP. A true and accurate copy of the Certificate of
Amendment on record with the Texas Secretary of State is attached as Exhibit C.
15. BAC Home Loans Servicing, LP (fka Countrywide Home Loans Servicing LP)
continued to service the Loan on behalf of Fannie Mae,
16. As of June 8,2009, the date the Notice of Default was issued to Borrower,
Borrower had not made the payments due on the Loan for March 2009 and thereafter. A true
and accurate copy of the Loan payment history is attached as Exhibit D.
17. As of June 8,2009, ReconTrust Company, N.A. ("ReconTrust") and BAC
Home Loans Servicing, LP were each wholly-owned subsidiaries of Bank of America, N.A,
18. On June 8,2009,the date the Notice of Default was issued to Plaintiff, BAC
Home Loans Servicing, LP had physical custody of the original Note evidencing the debt
owed by Borrower, in accordance with Fannie Mae servicing guidelines. A true and accurate
copy of Fannie Mae Announcement 08-12, dated May 23,2008, which sets forth the process
by which the servicer takes possession of the promissory note, is attached as Exhibit E.
19. BAC Home Loans Servicing, LP, as the holder of the Note, authorized
ReconTrust to issue the June 8, 2009Notice of
Default.
20. BAC Home Loans Servicing, LP nlWa BANA is a member of the MERS@
System. At all relevant times Mortgage Electronic Registration Systems, Inc. ("MERS")
acted as nominee (agent) on behalf of BAC Home Loans Servicing, LP relative to the Deed o.
Trust.
21. As reflected in the Appointment of Successor Trustee recorded as document
number 200906170053 on June 17, 2009, with the Snohomish County Recorder's Office, a
true and accurate copy of which is attached as Exhibit F, MERS appointed ReconTrust as the
successor trustee. BAC Home Loans Servicing, LP, as the holder of the Note, directed MERS
to appoint ReconTrust as the successor trustee.
22, As reflected in the Corporation Assignment of Deed of Trust recorded as
DECLARATION OF HEATHER DISPENZA_ 4
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SIGNED at Simi Valley, California tn¡s Lfuaay of September,20l3.
DECLARATION OF HEATHER DISPENZA _ 5
document number 201003300560 on March 30,2010, with the Snohomish County Recorder's
Office, a true and accurate copy of which is attached as Exhibit G, MERS assigned the Deed
of Trust to BAC Home Loans Servicing, LP. BAC Home Loans Servicing, LP, as the holderof the Note, directed MERS to assign the Deed of Trust to it.
23. On July 7,2011, BAC Home Loans Servicing, LP merged with BANA. A true
and accurate copy of Comptroller of the Currency's Conditional Approval #1003, dated June
24,2011, is attached as Exhibit H.
24. BANA retained the records of BAC Home Loans Servicing, LP and
Countrywide Home Loans Servicing LP relating to the Loan.
25. To date, Fannie Mae has never transferred its ownership interest in the Note.
26. At all relevant times, at least since of June 8, 2009, BANA or its predecessor,
BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing LP, held the
original Note and possessed the authority to enforce the Note and Deed of Trust on behalf of
Fannie Mae pursuant to Fannie Mae's servicing guidelines.
27 , The original Note is currently in the possession of the attomeys representing
Defendants in this case.
I affirm under penalty of perjury and the laws of the State of Washington that the
foregoing is true and correct to the best of my knowledge.
Bank of America, N.A.
HeatherDispenzaAssistant Vice President, Opeãtions
Team Manager
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CERTIFICATE OF SERVICE
I certify that on the date indicated below, I cause the foregoing document to
on the following person via email and U.S. Mail.
Scott E. StafneAndrew KrawczykStafne Law Firm239 N. Olympic Ave.Arlington, WA 98223
Mill Creek, WA 98082-7635to ddlawoffice @comcast. netAttorney for Defendant Quickdraw Real Estate Services
I affrrm under penalty of perjury under the laws of the State of Washington
foregoing is true and correct to the best of my knowledge.
SIGNED September 6,2013 at Seattle,'WA.
\,An(Ðr ,-" Debi wollinLegal assistant to Abraham K. Lorber
Attorneys for Plainti
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DECLARATION OF HEATHERDISPENZA- 6
r 16s89.041 l/5811 179.1
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ExhibitA
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MIN: L001627 -AA0220254]--2
DECEMBER ].4, 2O05lDatel
'
lnterestFirst*'NOTE T¡oan Number: 0220254:.:
WASHINGTONIStâteJ
SNOHOMTSHlcityl
MARYSVI],LE, WASHTNGTON 9827].lProperty Addrcss]
to the datc of chauge iu monthly päymeut.
4. BORRO\ryER'S RIGHT TO PREPAYI ¡ave the r.iglrt to ¡uke paynrenls of Princþal at any tiu:e betbre tlrey are due, A payneut of Principal only is
krtowrr as a "Prepayment." Wlæn I make a Prepayment, I will tell the Note Holder iu writiug that I am doing so'
I nray nor desigrutá a payment as a Prepayment if I have not nude all tlre ruontlrly pâymenLs due under the Note'-l
¡iay rnake a fuf lrepayment or partiat Prepaymeuts without payiug a Prepaymett charge. The Noæ Holder
will use my prepaynrents ú ieduce ihe amount of Principal that I owe under this Note . However, the Note Holder
nray apply my prepayment to the accroed and unpaid interest on the Prepaymeüt alüouut, betbre applying my
_ prepavlne¡rt tti reduce-tne priucipat amount of the Nôte, If I make a pafiial Prepaytnent, there will be no chauges in
-if'tÕ-üõSeThmges.-Ëowerer;iftte
parti¿l prepaymelt is roaOe Ouring the period when my rnonthly payments corLsist only of i[terest, the a¡rourrt of the
urouthly pãym.ot will decrease for the reuainder of the rerm wher rry payments coruist only of irterest a-s well as
during iiti ú*" that rny paymenls coú.sist ofprincþal utd interesr. If rhe paltial Prepayment is nude during che period
wherr nry pâymeüts ru*iri of priucipal and irterest, the amount of nty ruonthly paylueot will not decreasel however,
Ure pri¡ôipai and the iltcre\t required under this Note wilt be paid ptÌor to the Maturity Date.
481-9 l-36TH PI,ACE NE,
1, BORROWER'S PROMISE TO PAYInrshrnibraloanthatlhavereceived,IpromisetopayU.S. $200, 900.00 (thi.sâmountiscalled
"Principal"), plus interest, to r,he order of ûre Lender. The Lænder is HOMESTAR I,ENDING' A {ASHTNGTON CORPORÀTION (CFr, # 601650482)I will make all payruents under thi.s Note in the ftlrm of cash, cl¡eck or mouey orcler.
I ulderstand that tlre Lender may tran-sfer this Note . The Lender or âltyorle wbo takes riris Note by transfèr âlld
who is Blìtitled to leceive paymeuts under this Note is called the "Note Holder"' '2. TNTEREST
lnrerestwìIlbechargedonunpaidpriucipaluutiltheluilanìountofPríncipalhasbeenpaid' Iwillpayintelestât a yeärly rate of 6 . 625 70."The
interest ràte required by tJris Section 2 is the rate I will pay boih befbre anil after any default described in
Section 6(B) of ttris Note.
3, PAYMENTS(A) Time and Place of PaYments
1 will m¿ke ¿¡ payment every month. This payment will be fbr itrterest otily fìrr the fir.st L2 0 iloüths, aud
then will cotsisi of principal and intere.st'
I will rnake ,ny urontirly pâyment on the ls t day of each rnonth beginrúng ou FEBRUARY 1-
2 O O 6 . I will nuke tþese paymenLs every month until I have paid all of the prürcipâl ald intetest aud any other
c¡arges described below thatl ûuy owe under this Note, Each nmnthly pilyment will be applied as of íLs scheduled
due ãate, arrd if the paymeut incluães both principat and interest it will be apptied to interest befbre Principal - It', on
,TANUARY I ,2036 ,l still owealnounL\under this Note,Iwillpay thoæanountsiulullottr,har date, which is called the "Mahrity D¿te ."
I will rrake rny rnonthly paymenti ¿t209 AVENUE D SUTTE 2 0 0 A, SNOHOMISH,
WASHTNGTON 98290or at a ditlbrelt place if required by the Note Holder'
(B) Amountof MonthlY PaYments
My rnonthly p¿ymenrwill beiuthe amountof U.S. $ L, 109 .14 fbr the first J-20 uonthsof this
¡loce, aud thereaftêr'will be iu the amoult of U'S' $ 1 , 51-2 . 6 8 The Note Holder will uotily nte prior
/Mru^trMULTISTATE lnterestF¡rs ED RATE NOTE-Sinsle FamilY 80ù649-l 362
Fannie Mae UNIFORM INSForm 3271 1/Ol
tjrî2? I I .oor
RUMENTPage 1 of 3
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5. LOANCHARGESIf a [aw, whir:¡ applies to this loan and which sets mäxrûlulll toa¡r charges, is finally iuterpreted so that thË
iuterest or other loau charges collected or to be oollerted in courection witlr ttris loan erceed the permitted lirnirs'
then; (a) a'y such loan cbarge sh¿ll be reducedby the anount næessary to reduce the charge to the permitæd liruih
and (b) any surns already collected from me which exceeded permitted linirs. will be refunded to me' The Note
rrol¿eí maí .huo.** to n ate tt is iefund by reaocingthe Principal I owe uuder this Note or by rnaking a direct payment
m rue- If á refuird reduces principal, the reducúon will be treated as a parlial Prepaymetrt,
6. BORROWERIS FAILTJRE TO PAY AS REQUIRED(A) Late Charge for Overdue Payments
If ilreNoteHolderhasnotrcceivedtheh¡llam0untofanyrnouthlypaymeiltbytheendof15 calendardays
rtier the datc itisdue,I will pay a late charge to the Note uol¿er. ThEaurount of thecharge willbe 5 ' 000 %
,f my overdue päyment or inteést and/or pãncipal and interesr. I will pay tliis late charge promptly but only once
ern each late PaYmeut'(B) Defaulútf I do uor pay the tr:tl arnount of each monthly paynlent on tbe date it is due' I wìll be in def'ault'
(C) Notice of DefaultIf.l am ïu detbult, t¡e Note Holder may send me a written notice teltiug lne that if I do uot pay the overdue
ainount by a cgrtain date, tlre t{oæ Holder may requirc me to pay irmnediately itre fi¡ll amount of Principal which lus
not beenpaid and all the interest that I owe on that amoulit. Tüt date urust be at least 30 days atter the date on which
t¡e noticó is n:ailed to me 0r delivered by other means'
Q) No waiver By Note Holder' :È ilre ro pay irunediately i' f'ull as
Èven if, ar a dme when I am iri default, the Note Holder does not requtt
d*"iBï't1iå$ilf*;ä*,ïîjra*xruifå:i oo
¡o
it
1":
1erãur'
¿'Ê a ra'Íer tiile
tf fte Note Hotder tras tü";;;t; i; pay im*e¿i"îeþìu tu' as descúbed above, the Note Holder will bave rhe
rig¡r ro be paid back by me fór all of its cìsts and r*ptttítt itt"rrforcirig
this Note to *te exte[t lot prohibited by
applicabtelaw.Thoseexpell.sosiuclude,fbrexample,reasoubleattortieys't.ees.7. GWING OF NOTICES
Unless applicable law requires a differentmethod, arty tttldce that must be given to trte under tlús Note will be
giverr by delivering it or by ,*=[i"g ii ùv ntst class râii ; Le ar ú," Property Address above or at a dif't'erent address
ir t givé ilre Note Holder a notice of my ditïerent addfess.
Auy notice that rnus[ be giverr t0 the Note Holder under this Note will be giverl by tteliveriug it or by nrailiug
it uy tirit ulas.s mi¡il to the No-te Holder at the arldress staied in section 3(A) above or at a diff'erentaddress if I arn
givert a notice ofthat different address'
8. O-NiIC¿IIONS OF PERSONS UNDER THIS NOTE
It more thalr one person signs thi.s Note, eâch pet** i.\ ntlrv and personally obligated to keep all of the protnises
'radein this Note, including the promise to pay the full ,t toun, o*.a. et'y petsoll who is a guärâDfor' surety or
eudor¡^er of this Note is also obligared to do oese ffi, Any person who tates over these obligatiou's' including
rhe obligations of a guarantor, .*irrv or endorse¡ or t¡í* l.1or., is also obligated ro keep all of the promises rnade i.
this Note. The Note Holdcr rnay enfbrce its rignß ulder ,tir-Ñ,it" ogoin-st-each personindividually or agaiust all of
us togethcr. This meurs trratrny oue of us *ay r, t.q"i.rJ to p"y itt of the artrounts owed under this Note'
9' WATVERSI and any other person who has obtigatious under this Noæ waive tJre ri-ghts of Prcsentment-aud Notice of
nor. {resettment--meuusre¡ir¡¡10-rrnuite the Note Holder to durrund-paynent of'anrouN due' "Notice
of Dishonor,, mearls the right to require the Note iloláer 6 giue *rtitt t,x'tlttt pe
bceu Paid'10' UNIFORM SECURED NOTETriis Noie is a uniformìn\tmmetrt wth linited variatiorx in sor'e jurisdicrions, l¡r additiou to t'e proteolions
given to the Note Holder under thiS Note, a Mortgage, õee¿ of rrust,.oi security Deed (the "security Instfument") '
d¿ted ttre samc date as rhis Note, proterts the Note Hft¿e, fiorn possible.-losses which might result if I do not keep
dre prornises which I make in ¡ris Note. That SecurityJt"ot""itt describes how aud ulder what condition^s I rnay
Btrro^trMULTISTATE lnte16stF¡r RATE NOTE-Sinsle FamìlY
FUMÊNTPage 2 of 3
80c,-64e-1 362
Fannìo Mae UNIFORMForm 3271 1/01
Us327 l3.n¡n
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be lequired þ make irmnediate paymelìt ilr full of all amourts I owe uldçr tlús Nore. Some of those oonditions are
described as fbllows:ìf ali or aüy paÍ of the Property or any lnterest in rhe Property is stlld or rranstÞrred (or if Bonowcr'
is uot a natural pÈisou and a beneficial interest in Borower is sold or transtÞrrcd) without Lender's prior
writteu sonsËnt, Lerrder ruay reguire imrnediate paynretit iu ful of all sunrs secured by this Security
lnstgleuf, However, Urisïptión shall not be exercised by Lender if suclt exercise is prohibited by
Applir:able Law.
ff Lender exercises t¡i.s option, Lender shal.lgive
Borrorvcrnotice of âoceleratitl¡t, Tlre notice shall
provide a period of not less ttran 30 days from the date the uotice is given in accordance with Section 15
within which Borrower utusr pay all sums secured by this Securiry lustrument' if Bo¡rower f'ails to pay
these surr.s prior to the expiration of this period, Lender ruay iuvoke auy reine dies pennitted by tfiis Security
hlstrument witlrout further notice or demand on Bouolver'
wrrNESS THB IAND(S) AND SEAL(S) OF THE UNDERSIGNED'
(Seal)-Borrowe¡
-Borrower(Seal)
(Seal)
(Seai)
(Seal)
(Seal)
-Bortower-Borrower
-Bonower-Bonower
rybûQüG
[SignOriginal OnlY]
FayblùËüfl$tß
q$ügu*le l+dlelgãÌr hcr
ü#f¡utR¡mr¡¿
ffi nntE ruote"sìngle FamilY
Èannie Mae UNIFORM INSTRUMENT
DocMagíc &ftilîw 8oo 6 49' t 36 2
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Exhibit B
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ALLONGE TO NOTE
LOA}I NUMBBR?O22O254L
LOAN AMOUNT: S200. 90O . OO
PROPERTYADDRESS:4gI'9 A36'r¡I PIJACE NE' MjARYS\/I¡LE' VÍASHINGTON9A21L
ALLONGEITONOTEDATEÐ DECEMBER 14, ZOO5
IN FAVOR OF ÍOMEEIT,IR ÍJENÐING
AND BJ(BCXJTBÞ BY.JACOB D ' BR^EDE}I'RIT
PÀYTOTHBORDff'oFCOpÀIITRYWIDE B'AI'IK' N'4" LEoO TÀFO CAlrsON RD"stMr van&sv, cÀ 93063
WTTHOUT RECOURSE HOIIiESTAR IJENDIÑG
TITLE:UL0 l'^tÒv
ALLONG¡ÊTO NO'fE06loa/o4
Alhd.¡ ({tr
tÆttuúcÑúF atuaíÙtsaz- ww.toamrglro.oom
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Exhibit C
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Corporations Section
P.O,Box 1369?
Ausin, Tcxas 7E7l l-3697
Office of ry of State
. CERTIFICATE OF FILINGOF
BAC Home Loans Servicing, LPFile Number: 13 I 869 10
$ormerly: COUNTRYWIDE HOME TOANS SERVICINC LPI
The undersigned as secretary of state of Texaq hereby certifïes-thal an amendment to the ce¡tifrcate of
limited paftnership or rfr.îppi¡r.tñ fot tegistraiion asä foreign limited partnership fo.rthe.above named
limited partnership tras Ouen L.rived in *'is omce and filed as provided by law on the date shown below'
Accordingly, the undersigned, as secretary of state hereby issues this certificate evidencing the filing in
this offrce,
Dated: 04l2lDA09Effective: 04127t2009
@he Secreta
Hope AndradeSecrÊtar,e oîSlatc
q*á'*(Hope AndradeSecretary ofState
Phone: (512) 463-5555
Prcparcdby: Lisa SasÍn
Come vísil us on the tntetne¡ al hltP:û1ttw¡v'tos'siats'tx'us/Fax: (512) 463-5?09
TID; 100ó9
Dial; 7-l -l for RelaY Servicæ
Doculncnt: 254?9 l8?0002
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CERfl FICATE OF AIþIENDII,-TEI{TTO THECERTIFICÁTE OF IJIVilJrED PARINERSIiltr
,."|lüf"Etå.tÍ11,""
APR 2 1 ?003
Corporations Secüon ,
Pursuan ro ùe provisione of tcction 2.t2 oI ùæ Texæ RÊviscd Pnûøship AE qu¡don¡gn d li,oiteO partærsttip dasiræ lo ¿meod its Certíficått of Limited Pannorshþ and
fo¡ tbat pr¡rpose suburie thc bllowing Ccrtifcãlc of Anø¡dmtfû:
l. 1lre narnc sf rhÊ limied partnrrship is cornuyrvide Home toans servicing LP'
2- ThÊ Certißcate of Limitcd Pætrership is arunded æ follows:
Tbc ¡rane of üc limited pa¡oership Ís BAC Hostc loms servioing, LP.
Tbe Cstificate of Limited làrtnersftip shatl be anrended' as of Aprjl2?,zCÆP, to reflect thË
aboverranæ change.
Darcd: A¡ril 4 .zoolCOTJNTRYI\TIDE }IOME T¡ANSSER\/TCINC LP
By: 'CornÈywide GP, LLClrs: Geueral Ps¡tu
By, \ 9-1'---/- -JælilV. SchÉkett
{gåa"ta "oe Chief Executir¡e Offi cç
7/22/2019 Dkt 35 09.06.2013 Declaration of Heather Dispenza
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Exhibit D
7/22/2019 Dkt 35 09.06.2013 Declaration of Heather Dispenza
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CRPRDNRBS4Sb
Br¡rl¡ofAnericà+lon¡loæ
P,A, Eox C|TQSiniVaiiGy,CA ffiàó't70
JACOB D BRADBURN4017 226TH FL NEARL¡NGTON, WA 98223
10/7/?011 l;55r10 PU P¡{CE 2/008 888-294-5858
Nollæ Date: 1OlA7l2A1'l
AccsuntHo.: 115803267
Property Addrees:481þ 136TH PLACE NEMARYSVILLE, WA 98271
Attacîred is a loan history that Provides a detaibd outline of transactions forthe
above-relerenced account nu¡nber.
Please not€ that thb history prgvidss p€rünéftt inlorrnation on paymênts rec€ived' tax and
insuranqe payments U¡*urs,í6, and latê'charges assessed and paid'
THAI,¡KYOU FOR YOUF BU$INESS
you are a valued custorner here at Bank of America, N.A. and it iç our cont¡nusd goa¡ to
prouiUà our customsre with the highest levelof cus'tomer satisfsction'
lf you need further asslsÊanc€, pÞase contact our Customer Seru¡cÊ Depaftmont direc'tly at
1-800-669-6607.
Thls cornrnunlcadon ls from Bank of AmErlca, N.4,, lh€ Eervlcer of yout home loan'
LNHISTF 7473fi]S# w¿7ä07
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B¡nkofûmerica
%llomeLoan¡
Account Number:Staterner¡t Period:Date Prepared:
Transaßt¡on Descrìption
01i19æ-lNO?fæ1
Prooertv Address:481'9 1á6TH PLACE NEMARYSVILLE, WA 98271
l):U€túE'zÌtrÉcf¡È(td
Beginning
r.?Åatæ05 INVESTORREVÊSAL
12ßÛ/2TOå INVESTOR PAYMEMT
1ã30/200s |NI.nALTÐ(DEP
O2rcAÞOO6 FEGUI-ARPAYMENT
0ø06/2006 REGULAR pAY[lÊNT
o/uû3/200õ REGUIARPAYI"IEI'IT
{i¡s192008 COUNTYTAXPMÍ
03æ¿2006 REGUI.AF PAYME¡¡T
06,01/2006 REGULARPAYMÊ${T
OGPT¿2008 MISC. POSTII'|G
o6Ì¿7fæA6 ESCrcW slloRTAGE
OZbs¿OOo RËGUI.AR PAYMENT
OS14I2OO€ RÊGUI-ARPAYMENT
æf14rffi8 MSC.POSÍ|Î'|G
OÍYIOS2OO6 REGULqR PAYMENT
PMT/Mo
.1.100.i4 1a2ûg
1,109.14 0ltE006
80?.81 01/2æ6
r,3e4.00 0ÊÆ006
1.334.00 03r¿0Ó8
1,33j.00 0412ü'6
-1,ü19-08 0412006
1,334.00 05¿2æ6
1,An4-00 06/2006
45.01 06¡2006
45.01 06/2m8
1,3t4.@ 07P008
\ffir¿ 08¿006
7.æ ffi12æ6
1.3263{¡ 092006
TotalPayment
PrincipalBalance
2q),900.00
lnterest
I,r09.14
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1,10s.14
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Ea¡Iof Ãmerlca
*lloln€ t¡mÊ
Account Number: 115803267
Staternent Period: O1/tgB6 - 1
Date Prepared: lolo7læ11
rraiï;lion Dascription
0929¡æ06 REGUIAR PAYMENT
1@5¡2006 couNTvTAxPMf
1t'0,9'æ06 REôULAHPAYUIENT
1ilEOÆTOô HAZARD INSPMf
1€JßTæA6 R@ILARPAYMËNT
o'/ætæ07
al/ælzso'¡
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RË$JLAR PAYIr€MT
Mrsc. PosrlNG
t',llS0.. POSIING
PAYMENT REVERSAL
REGUTAR PAYMENT
I.ATE CI{ÀRGE AD.'.
REGULABPAYMENT
MISC" POSTING
REGUT.AR PAYME}ÍT
Page 4
oidt'ãtzFtúa1r+¡(¡)¡/
Prooertv Address:4S1.9 I36TH PLACE NEMARYSVILLË. WA 98271
TotalPayment
PrincþalBalance
lnterestEscrowBalance
Optional Buydown Lalo chârges Ut#l*PMTIMo
1,92s.Ð 104006
-1,fxI9.00 10å006
1flæfl 1'112006
.676.00 11120æ
1826.27 1?/?d6
1ffi.n $fm7
55.¡f5 0lÆæ7
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5s.45 01/267
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B¡rl¡olÃmerlc¡*
tlorn€ loqñs
Account Nurnber:Statement Period:Date Prepared:
Transac.tion Description
1 1580326701/r.s86 - 1
ßlo7l2o1t
O4iæÆfjÚ COUNTYTÁXPfuff
O4[âT¿ff.7REGUI.ARPAYMENT
O4I2T¡?0¿7 REGUI.AF PAYMEI'¡T
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Propeny Address:4ôI9 13ôTH PLACE NEMARYSVÍLIE. WA 98271
c):Ð\J:útJz:ücp(n,Þüte
tJn'#J* PMnMoPrincipalBalancs
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Optbnal - L¿te Charges UnaPPliedtsuYdo ffn TcÊâl ròtat
-'r.166.69 æ€007
1.326.27 041?Æ7
55.45 062007
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BanhofAmedc¡
*flûÌfrtLo¡m
Account NumbenStatement PeriodDate Prepared:
01/1s86 -
1010712011
Property Address:4SI9 136TH PLACE NEMARYSVILLE. WA 96271
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(1:ìJ tJz:ttor¡rcorf
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Property Address:4S1S 136TH PLACE NEMABYSVILLE. WA 98271
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8¡rkofÄmerlcrø
florn€ lo¡nr
Acc,ount Number:Statsment Period;Date Prepared:
1 1580326701/r906 - 1
1d07/2011
Property Address:4819 I36TH PLACE NEMAHYSVILLË. Wr\ 98271
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Exhibit E
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ål FannieM*et¡tå WúcÍ¡¡ ,l¡ 'rJâ. klY*rrrtç.r. Di fJ:{ t ãÊÈ¿'
.ânnouncement 08-12
Amends these Gui'des: Servìcing
Mry 23,2008
NoteHolderstatusforLegølProceedìngsConductedì'ntheSeruícer's Name
Introduction
Currently, thc Fannie lvlae Senìcing Çuide grants servicers, acting in their own names'
the authoriry ,o ,.prrrrni funni, Uä.'s interesrs in foreclosure procæedings æ holder of
the morrgage note. With ûis Announcurn"nt,-iann¡"
¡¡ut is ctarifying ürat the ability of
the servicer ,o ¡."pr"rrni-runni. Mae's intercJs-as holOcr of the mortgage no& also
applies ro bankruprcy;ïr;ü;;;,- anà other,r*Ëui
proc"e¿¡ne*. In order to more tullv
describe Fannie M*', ;;ì;ì.1*¡trr regard rõ thä serviccr's noteholder st¿tus' a new
section of the servicing buide has been created and is outlined bclow.
New .Ssr¡ric tng G uíde Section
SenìcíngG*íde,FarttrCbapter?'Ylioo202'Ù6'Notel{oldcrSt¡tusforLegalProceedlngs Conducted ln the Servicer's Name
Fannie Mae is at all times the owner of the mortgug" n?:u' :f.t|:t-tå""::tïr'åSråî:i;ff#'i#åäiJl,liffi fi Jffi ä ;;Ñ;',il"';ä;itiiH""-:,Í::?ÏiSiiii;li
Ë:äi"'i;#îiriii"Ëi* pÑ"d:r lnd i:4: Tlll'""^ï* IH*i:note. excePt in the
ew.-Êannic-Mae ma.vnote. €xcept ¡n lnç llmltvs ulrçuI¡rilq¡r*' -^t;;;y
rrïo, eustody of the note. If FannicrtutiJit"ti possession of the note or a.custodi¡-
-.,^^rr-* +La ¡^^¡,ñÊñr errsrodian has
ffi: ii:::'i:ï'å'"ä ä;ir" ;;;{;ú; Ñ'l:,:¡: document custodianhas
ä;;"ir";ï;;;;r* i;"ni* I'io" exclusìve use and benerit'
Ànnouncement 08'12Page I
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Temporary Possession by fhe Scrvicertn order to ensure tt *t u tË*ì""t is able to perform úe services and duties incident to the
servicing of the mortgage loan, Fannie Mae lemporarily gives the servicer pOssession ofthe mortgagc note rvhãnever the se*¡cer, a$í;g in itiorvn name' represents Fannie
Mae's intorests in
r foreclosure actions,r bankruPtcy cås€s,
o probate proceedings' orr other legal proceedíngs.
This temporary fansfer of possession oceurs automatically and immcdiately upon the
commencemenl of the servicer's repr€sentåtion, in itl na1¡-, of our intercsts in ¡he
foreclosure, bantruprcy,ïroUãi", o' ottrer legat proceeding'..When Fannie Mae transfers
pott*itiãn,'t¡e t"rvice.¡ôcomes thc holder of the note as follows:
, lf a nore ís held at Fannio Mâe's document delivery faciliry, Fannie Mae has
possession of thE note on behalf of fhe ssrvicer so that ihe servicer has constructïve
possession of the-ioæ unO the servicer shall be the holder of thc not'e and is
authorizæd an¿ ent¡ileJ to enforce the note'in the name of the servicer for Fannie
Mae's benefit'. If the note is held by a document oustodian on Fannie Mae's behalf' the cus¡odian
also has posrrrsio,i"Jtft"-no,. on Uchaif of rhe servicer sQ thsi the servicer has
sonstrucfive porr*rrijn oiif,i nor. ut,U tlt" tt*tccr shall be the holder Òf the nofe and
is authorized and entitled to enforce *t. not" in the name of the servicer for Ëannie
Mae's benefit.
Physical Possessfonof the Note by the Servicer
ln most çases, å ,"r",or, *1i rruu" o *opy olthe mortgage note. If a sorvicer determines
thar ¡r needs physical pått.ït¡.t"f
the'originst noþ õ *pttttnt Fannie Mae's interests
in a forcclosure, bankruptcy, prcbare, or othei tegat proceäOing, the serviçer may obtain
physical possession ofthe original note'
If -r-annie Mae's posscssion of the original note isdirect because the custody documents
sr.e ar ils documenr delivery faciliry, ttt" setvi*¿r. should suUmll,1¡eOuest to obtain the
original note and unv o,i", ,rr-tody documents that are needcd to the custody
Deparrmenr through rüå Jo*'oã;il;r n q"ri sirtem (LDRS) on Fannic Mae's web
sitô (.www,e lann iernag.cort¡l'
tf Fannìe Mae possasses the original Íote ttuough a u
itur tüttoav of th" not", the servicer should sul.mit
';;";;;;;; 1f,orm,2009) to Fannie Mae's custodian
u ntqitt, for ReleaselReturn of
to obtain the notc and anY otherçustody doguments that are needed'
In either câse, thc servicer should specify whcther the original note is required or whether
thc request is for a coPY'
Announcement 08-12Page2
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Reversion of Possession to Fannie MaeAt the conclusion of the servicer's representat¡on Of Fannie Mae's interests in the
foreclosure, Uunr,r,,ptry]iroï"æ, * ãttt"i legal proceeding' or upon the servicer oeasingto service the loan f", ilt;;;;n, poss$siõn automaticalþ reverts to Fannie Mae' and
Fannie Mae resumes b"ú rh; froidet, jusr as it was before the foreclosure' bankruptcy'
probate, or other r"gar pi"ittàiú' IJ;Ët t1'icer has ob¡ained physical posscssion of the
original notc, it must be returned'to Fannie Mae or the document çustodian' as applicable'
iË ñÑy trunrf".oi$ssession, and any reversio¡ of possession to Fannie Map' are
evidenced and memorialized by this seotion of the Guide. This Gaide provis'ron mey be
relied upon by a Court to Lrtu¡lirt that the servicer conducting the foreclosure'
bankruptcy, probate, ";';h;,legal proceedin in its name has possession, and is the
holder. of rhc note,lrri"g itã'roråGi"* u*r.]"tptcy, probate, or other legal proceeding,
untess the Court is otherwise notified by Fannie Mae'
Revised Semícing Gaìde Swtion
Fannie Mae is amending lhe existing Senicín-g (]uìde sectianthat cunently references the
noæ holder provision iãr foreclosuies. pert¡n"nt informarion from this section has been
removed and incorpor;;Jlñih; nçw seo¡i;; above' The revísed section ttrat follows
reptaoes in its entirety ñ;;ttl;t secrion ¡n |tr-ir.,"ing Gu.ide an¿ servicers should
refer fo rhis Announcement regerding this topic until the Seivicing Cuide is updatcd æ a
future date.
SenlicingGuide,PartVlll,Cbapterl,sectionl02lluitiationofForeclosureProceedings
Foreclosure Proceedings fôr X'irst MorSage Loans
Foreçlosure proccedings for a first mongngt-äiegin whonever at least three full
monthly installments å" pu" due' Foreclotti* ot**Jings may begin at oncefor any
mortgage ,r,n" *r.oåi ffii,:ïgbt;rot ,"ii.rn'ot foreclosure under the soldiers' and
Servicemembers Civil Relief eci(or.ny loit lu* ttut similarly rcstricts thc right to
forectose) and the ü;ö;;;-;*t ;uþ9;ä;' va"ate¿ uy ihe borrow€r and it is
apparent thar the Uorrã'*er"¿o"s nÕt ¡ntend to make the mortgage Paymenls' ln addition'
foreclosure prcce€dlngs for any mortgage laV be started immediaæty if
r the þs¡¡qwer **îouir"¿'in wrilin or títr relief provisiolt tllt were avaìlable and
his or her *rin"n-l"rpono' ¡n¿¡.uó¿ a lack of interest in fulfilling the mo¡tgage
obligation çor gavl p"i*iurion for the *;;t*;ent of foreclosure proceedings' if
rhe bonowçr *., luËi".i'fi;i;öñ;;;;id''r servioemembers civil Relief Act or
-;toforeclose)tot
-
r income from rental of the property is not ueing app@
afrangements ,;;; ;; ;;å;io upplv
-it,-*iit has been. establìshed that the
bonower is not oiie"¡tti for rc ief und.t írc Servicemcmbers Civil Relief Act or any
stare law ,nut ,t*iT"iti äü tr;;ieni'io-rot"olose' (R'efer to Part llt' Chapter I'
Êxhibit 1 for additional information')
Ànnouncement 08-12Page 3
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Fannie Mae requires a servicer to contact irS servicing consultant, pOrtfolio manÊger' or
Fannic Mae's Servicing Solutions Center before it initiates foreclosure proceedings tbr an
eMortgage. If the secuiiry propsrty is located in a state in which there are FannÎe Mae-repin;¡ãnom"y, (or tru"stËes), the servicer must ltsÊ one of thc firms wc have retained
for the state. lf ther. ui. nor ány Fannie Mae-retained åttorneys (or trustees) desìgnated
for the state in which the tt"uíity propeÍy is toc¿ted, the servicer may retâin its own
ut o*ilL but Fannie Vfu" *ilf ttqu¡.. titæ attamey to work ctosely with an attorney that
Fannie Mae designates.
Foreclosure ProceedÍngr for Second MortgagesËot"clorur. proceedings for a sesond mortgag;can begin wtren ât-least two full monthty
installments are pâst a".. ãt tong as the sãriÍcer has ãomplied with the requirements ofrhe Service¡nsmbgs Ciuif nAiuiAct (if appticable) and any sfate law that restricts úe
tlghii" io.".tor". it c¿n start foreclosure proceedingS for a second moÍgage immediately
if the first moftgageis in default and the sæond mortgag" instrument irtcludes a provision
that the second *ongägtîä-Ue tont¡¿eted in delau-tt, regardless of thc status of its
pâyments, ifthe fint mortgage is in default'
Ptysical Possessio¡ of the Note by the Serriccr
ln mosl sases, a ,"*¡rr, *¡ir rruu" ä oopy of the morlgage nop th?t it ean use to begin the
fsreclosure proces$ f¡o*.""i, some jurisdictions tãqiit. ftat the servicer produce the
oiig¡nat noæ b"for" or shqrtly after initìating forcclosure proceedings'
If Fannie Mac's posscsSiOn of the note is direct because the custody documents are af the
document dclivery fr.ili t, io obtain the note and any other custody documenfs that are
needed, the servicer strouíd submit a requesr io the Cuitody Department through the Loân
Documenr Request Sy51E¡f iinnb¡ on Ëann¡e Mac's Web site ?:v-ww'efan'nignae'com)'
lf 'r-cnnie Mae possesses the note fhrough a document çusfodian that has custody of those
documeni$, to oUta¡n'äe ""r"u"J an other oustody documents thêl afe needed, the
servicer should ,u¡*¡ì'u-it"rtìri,
þ,í neteasøneruín al Documents (Fonn 2009) to
Fannie Mae's eustodian'
In either case, the servicer should speciry whether the original note is required or whether
the rcguest is for a ooPY.
Effective Date
,,The ehangcs+utlinedinjhis ar[aqllne¡l 3re lqective immediately'
**tl¡lll
Announcement 08-12Page 4
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Sçrvicers shOutd coñ¿ct theír Servicing Consultant, Portfolío Manager, or Fannie llac'sÑational $ervicing Organization's Seriting Solutior¡s Center at l-888-326-6438 if thcv
have questions about Announcement 08-12.
MichaelA. QuinnSonior Vice Pr€sidcnt$inglc-Family Risk Ûfficer
¿nnouncemeflt 0&12Page 5
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Exhibit F
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under ftd cühln deod d üust
undèrAr¡d¡tqt F¡þCounty, WashlngEn.
Whcrsas ürs urËsl¡lgnâd' ÑIORTGAGE
ttõË ürCd;rt-¡.äieit*iry tnder ¡aH t¡d
plecð and sßed A Urð trugoo namod abovþ. . i.,....'"' ..,'
ELECTRONICALLY RECORDED
200906{700:i3 2
A6lfll2ùAs 09:20 AIll 15'00
sNoHoMlsH couNTY, WASH¡NGTON
J€cords d Stoño¡nhlt
ft¡rnto:
TSN.i:':;"
".',1i..
ú¡rtC'c,tì8o)êê(\¡
l{cv tfrerefore,in visw of lhe punisc¡' üre r¡nderciCouÞnnv, N.n-, wtroce ørinss b 18æT€po Ca
tugta€,
iBù€granW, and
lsthebt¡sÞe, and
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.f -.,_....
.,.,.....-.r..".i';i.'";;i.
..r.,"'- ......-...1:li' ..,""'ri
"t'{."-.-
pcpmdlykr¡o¡ln topano{e} wttos€ nathdshtüt€yer€dJþdthesncut€d üpaame h hla
MORTGAGE ELECTMNrc REOISTRATIONSYSTEMS,INC.
;:ml,Hil',ieþ
;'-tïml;ts:li1
o¡re¡i,
Bancffc¡ary
mytnnd ånd offidd oôal.
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Exhibit G
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i .." ..'-'.''1.,.,,_,,.,-.'''..,t."'
.rj.
ELECTRONICALLY RECORDED
20tür330058{l . 1
0313012010 02:09 PM 14.00
SNOHOMISH COUNTY, WASHINGTO Nii
".,.'
"....,.hËcoúonroRE(XJESTED
By:./' Bæbr.Uhtttsr coMPAt{Y
"'",|,úyEûEN itgcoRDED MAIL Doct¡trlrnT
åneï¿* srÁtfiÀrm{Ts ro¡bei äömq.ti¡ú¡s bcrvic¡nit LP400 €oulrlßlrilrDË.wilv, $v-¡ sSrMr VÆLEy.;,eÂ:.,9S065 ".,
,.,,,i 'Í.,,..,i;¡....,.
,.""'f"""'r. r'."":1. .'i"
rtiNo. os.{iIirilr ..'l:.. -..,
Igaiita(tIä
gP^gBÁSOVETH¡S UIIEFOE NECO*DËRS USEi ,:::., '...1.. ..'i...:
ionröB¡tlgx ASSTGNMENT or DEED oF TRUsrÊ
DArED: )ÅnlUC **t*ç;A;a+"Rrc¡srna'noNsvsrElrs'
FoR vALUE RscErvED, tüe t¡XpeÊÈ$cñçonrn¡sy cRANTs, AssloNs AND TRANSFERS To:BAc HoluE rcAÑ'Snitvtöi'ñG,br i$l copt{TRY'TYIDE HoME LoANs $ERwcnYG L?
ALL BENEFICIAT INTEREST UNTJËiI;NîÏIægIANÑ,DEBD OP TRUST DATEI} IUL4NTOS.EXßCUIEDBy; JAGçE D. BRADBURN¡ $¡¡¡6IJ.[t{UtÍkWlOR TO FIDELITY TITLE, TRUS-I€EANDRECoRDED As TN$TRUMENTNö. 2oÖ5I22I I Is?.oN IZNINOOi,Oß OFFICIAL RECORDS IN TÍIECOTJNTY RECORDERS OFFICE OT.${OITOMTSH CCIIJNFÍ;..IN TITE STATE OF WASHINCTION'
DESCRTEING THE T,AND TTIERBIN:.AË.IiiONS TULLY-DESCÌJBED IN SAID DEED OF TRUST
TooETHER wITII TTIE NoTE OR NOrES TI{ERETIÍ.TiESC.B¡NËD OR R,EFERR,ED TO, ÎTIB MONBY DUB
ÁI\¡DTOBECoÌTEDUE TTTERFÆNwmrnrre-MST,$rb jlttRlolfrsAccRt EDoRTo AccRttEUIIDER SAID DEED OF TRUST/IvÍORTOAGÊi
\ ,,rt
stsrÊ ofr GAiJR Ë{lA
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rir -l t
=' ,,.-:.--:, j:ir'
FËsoö¡Ilyfrcu"ttonffiù iøarc suticdbod t{i"*d;) rrirocc nü¡ds) irlarc subsctibod t{i"rv¡åin irssmË iD histcr^hc¡i u¡rhorizod crprcity(lciil, ptfrl:gclrl-st m ûãmt¡tstrfftËlulfof rcftÍchdåpd¡
ms on ths bads ofrclnowlcdgedo bo
to mctt¡t-@s)o-m¡o¡1 fiûfwtúsh
instumçnt
IH¡tncss rrry hsnd a¡d ofÊci¿l ¡crl,
f úî,:
;.. ":. "'- "r¡
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Exhibit H
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()
Comptloller of the CurrencYAdministrator of National Banks
Washington, D.C.
June 24, 201 I Gonditional APProval #l 003July 2011
Ms. Radhi ThayuAssist¿nt General CounselBank of Americ4 NY8'll4-49-02114 West 47th StreetNewYork,NY 10036
Re: Application to merge BAC Home Loans Servicíng, LP, Plano, Texas, into Bank ofAmeric4 N.4., Charlotte, North Carolina
Application Control Number: 201 l'ML'12'0037
Dear Ms. Thayu:
The Ofiìce of the Compüoller of the Currency ("OCC") hereby conditionally approves the
application to merge gAC Home Loans Servicing, LP, þlano, Texas ('¡BACHL"), into Bank of
Ár.rira" N.4., Cliarlotte, North Carolina ("BAÑ4"), for the rsasons and subject to the
iequirements sit forth-herein. This approval is granted a{e1a thorough evaluation-of the
application, other materials you have supplied, ãnd other information available to the OCC'
inËtuOing commitment. *d."pr.tentatioismade in the application and by BANA's
representatives during the application process.
The Merger
BANA is a national banking association insured by the Federal Deposit Insuranee Corporation
fnOlC'), and is a direct;ñolly-owned subsidiary of Ba1 of America Corporation, a financial
ùolding **p*y headquartereä in Charloue, North Carolina. PACFIL is a Texas limÏtcd
partneiship ti,at is an inàirect wholly-owned subsidiary of BAIA. BACHL's primary activity is
I"*iring åf residential morrgage loans. The activitiei of BACHL are permìssible activities for a
nationaibank under l2 U.S.C.¡ 24(seventh). See also 12 CFR 5.34(e)(5)(v)(D)'
BANA requests approval, pursuant to 1 2 U.S.C. $21 5a-3, to mglge BACHL with and into
BANA. Under 12 U.s.c: ö zl su-r and 12 c.F.R. g 5.33(exa)(i), approval of a merger betweenan insured national bank aid a non-bank afiìliate, including a subsidiary, is permitted, provided
that the law of the state under which the non-bank affìliate is organized allows the non-bank
affiliate to engage in such mergers. Texas law authorizes Texas tîmited parmerships to merge
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Bank of ,{meric4 National Association2011-ML-r2-0037PageZ
with foreign.corporations, including national banks, with the foreign corporation æ the survivingcorporation. '
Under 12 C.F.R. g 5.33(g)(a), in determining whettrer to approve the merger, the OCC shall also
consider the purpose ofthetransaction, its impact on the safety and soundncss ofthe bank' and
any effect on ttt" bank's çustomers. We considered these factors and found them consistent with
approval under thc statutory conditions.
The Bank Merger Act
Under the Bank Merger Act ("Act")2, no in^sured bank is permitted to merge with an uninsured
bank or instit¡tion without FDIC approval.3 BANA has applied to the FDIC for approval of the
morger as required under the Aú Consequently, themerger cannot be consummated unless and
until the FDIC approves the transaction.
Section 1818 Condition
This approval is subject to the following condition:
BANA's Board of Directors and management shall take all steps necessary to ensure that
the commitments a¡d representations sit forth in the letters dated June 10, 201I and June
24,2011, from Phillip Wtttt, Associate General Counsel to David Reilly, Large Bank
Licensing Lead Expert are firity adopted timely implemented, and adhered to thereafrer.
This condition of approval is a condition "imposed in writing by a Federal banking ageney in
connection with any action on any application, notice, or other requesf'withillhe meaning ofl2 u.s.c, $ 1s18. As such, ttre cóndition is enforceable under l2 u.s.c. $ 1818.
Conclusion
Based upon the information provided by BANA, including various representations, the merger of
BANA and BACHL is legaliy authorized under 12 U.S.C. $ 2l5a'3 and 12 C.F.R. $ 5.33(gXÐ'
provided the appticant reãeiväs approval from the FDIC under the Act and any othor applicable
approvals, non-objections and waivers.
I . ee Tex. Bus. Orgs, Code Ann, $ 10.001'
2 tz u.s.c. 0 t828.
3 lz u.s.c. g l82B(cXlXA).
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Bank of America, National AssosiationzOtt-ML-12-0037Page 3
Consummation Proeedures and Requirements
With respect to the application, please ensure that you have submitted the following, to the
extent not already provided, prior to yow desired consummation date:
1, A Sesretâry's Certificate for each institution certifying that a majority of the board ofdirectors approved the merger.
2. An executed merger agreement and, if necessary, the Amended Articles of Association for
the resulting bank.
3. A Secretary's Certificate from each institution certiffing that shareholder or partner
appiovals have been obtained,ifrequired.
If the transaction has not been consummated within twelve months from the approval date, the
approval will automatically terminate untess the OCC efants an extension of the time period.
This approval and the activities and communications by OCC employees in connection with the
filing,'d'o not constitute a conhact, express or implìed, or any other obligatiorr binding upon the
OCõ, tne United States, uny ugtnôy or entity of ihe Uníted itates, or any ofñcer ot employee of
the United States, and do nót ih.rittte ability of the OCC to exercise its supervisory, regulatory
and examination authorities under applioable law and regulations. Our decision is based on the
bank's representations, submíssions, änd information available to the OCC as of this date' The
OCC may modifi, rurpuna or rescind this decision if a material change in information on which
the OCC relied occurs prior to the date ofthe transaction to which this decision pertains. The
foregoing may not be waivcd or modified by any employee or agent of the occ or the unitedStates.
If you have any questions regarding this filing, I may b-e reaohe{ at (202) 574'4588 or by e-mail
[email protected]õv. Plõase include the CAIS conhol number on any correspondence
related to this filing.
Sincerely,
St¿'f¿an /. /,4'4r*Stcphen A. LybargcrOeiuty Compt otl"t Lice,nsing