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



ExhibitA



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

www,docmagía, aom



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

DæMagicwww,docmagìc'com



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

www,doemagrc.aam

Form 327'1 1lO1Page 3 of 3



Exhibit B



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



Exhibit C



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



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



Exhibit D



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



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

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o/uû3/200õ REGUIARPAYI"IEI'IT

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03æ¿2006 REGUI.AF PAYME¡¡T

06,01/2006 REGULARPAYMÊ${T

OGPT¿2008 MISC. POSTII'|G

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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

[email protected]

I,r09.14

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Ea¡Iof Ãmerlca

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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

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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

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Account Nurnber:Statement Period:Date Prepared:

Transac.tion Description

1 1580326701/r.s86 - 1

ßlo7l2o1t

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O4[âT¿ff.7REGUI.ARPAYMENT

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11119ffiO7 HAZAru NSPÀIT

13,¡OîîæT? REçULÂR PAYMENT

01/09Ð08 REGULAH PAYMENT

Propeny Address:4ôI9 13ôTH PLACE NEMARYSVÍLIE. WA 98271

c):Ð\J:útJz:ücp(n,Þüte

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lnterestEscrourBalance

Optbnal - L¿te Charges UnaPPliedtsuYdo ffn TcÊâl ròtat

-'r.166.69 æ€007

1.326.27 041?Æ7

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BanhofAmedc¡

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Account NumbenStatement PeriodDate Prepared:

01/1s86 -

1010712011

Property Address:4SI9 136TH PLACE NEMARYSVILLE. WA 96271

():dqtFctz:dCEütrÞû)rfLde Charges UnaPfliedrjuydown Total- loiålransaction Desuiption -

Total PMT/MoPayment

PrincipalBalance

lnter€ÊtEscrowBalance

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0?/31/2008 REGUIAR PAYiIENT

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1,389.fi æ€m

138S.01 ßÌaæ{l

1,444.¡t6 04/2000

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f ,383.01 06/2008

1,444.48 06rm8

1,444.46 07ie0c8

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1,397.30 6120æ

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PageT

1 15S0326?l01/1986 - 1pÞ0111oto7læ11)

Ba¡kofAmeric¡

*llüúe lûans

Accour¡t Number:Statement Period:Date PrePared:

Property Address:4S1S 136TH PLACE NEMABYSVILLE. WA 98271

Transaction Description

1ci,17,l3006 REGUI-ARPAYMENT

IOPONOû8COIJNTYTAXPMT

1{fi9€008 I{AZAFDINSPMf

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1,3s6.s¡ 1112æ8

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Acc,ount Number:Statsment Period;Date Prepared:

1 1580326701/r906 - 1

1d07/2011

Property Address:4819 I36TH PLACE NEMAHYSVILLË. Wr\ 98271

Escrowlntered Bahnca

l):üEfrE,z:dtuotÈ(r¡rt

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Exhibit E



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



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



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



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



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



Exhibit F



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



.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.



Exhibit G



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

- 'c,åre

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¡

.

i.i' i' '1.

ùlldrell¡ I Mlltcr



Exhibit H



()

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



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).



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

Dkt 35 09.06.2013 Declaration of Heather Dispenza

Documents

Transcript of Dkt 35 09.06.2013 Declaration of Heather Dispenza