fraudclosure

Unendorsed Notes Used by Bank of New York in Foreclosures

Crossposted from The Housing Justice Foundation

A Study by The Housing Justice Foundation (click to download PDF).

When faced with foreclosure after the financial crisis of 2008, millions of U.S. homeowners filed bankruptcy cases.  In the 12-month period ending December 31, 2008, there were 1,074,225 non-business bankruptcy filings. This was a significant increase from 822,590 non-business filings in 2007, and nearly twice the 2006 filings of 597,965.  The figures were worse in 2009, with 1,412,838 non-business filings.  In 2010, the filings continued to increase with 1,536,799 non-business filings.  The first decrease was in 2011, with 1,362,847 new filings. In 2012, the number of new filings was 1,181,016. In the five years after the financial crisis, 2008 – 2012, over 6.5 million Americans (6,567,725) filed for bankruptcy.  The total is likely well over ten million because many of the filings were joint filings by spouses.

In millions of cases, the debtors were trying to save their homes from foreclosure, or simply escape the deficiency judgment that would follow them even after they lost their homes, as home prices fell over 50% in many of the hardest hit parts of the country, and the mortgage debt far exceeded the home values.

In most cases, filing for bankruptcy merely delayed the inevitable.  With the filing, there was an automatic stay or stop to all collection activities, including foreclosure. But the stay was only temporary relief.  Within a few months of the filing date, a bank would most often file a Motion to Modify or Set Aside the Stay, asking the court to allow the foreclosure to proceed, and in the vast majority of these cases, the bank’s motion was granted.

In most of the cases from 2008-2012, the bank that asked the bankruptcy court for permission to foreclose was not the original mortgage lender.  In most of these cases, the bank was acting as a trustee for a residential mortgage-backed securitized (“RMBS”) trust.  Thousands of these trusts were formed from 2004-2007, with loan pools of several trillion dollars of U.S. mortgage debt.  The pools were sold to investors, who expected a return for 30 years from the stream of mortgage payments.

By the time the average mortgage loan was the subject of a bankruptcy court filing, that loan had been sold at least two, but often three or more times.  The lender (Countrywide Bank, FSB, for example) sold the loan to a related third-party (Countrywide Home Loans, Inc., for example) who sold the loans to a securities company known as a “depositor” (CWALT, Inc., for example), who then sold the loan, combined with several thousand other loans to form an RMBS trust (Alternative Loan Trust 2005-2, for example). Each trust had a trustee (The Bank of New York, for example) and that was the entity that eventually filed the Motion in bankruptcy court to allow it to pursue a foreclosure.  The filing would be made, for example, by The Bank of New York, as Trustee for CWALT Alternative Loan Trust 2005-2, even though the debtors had taken a home loan from Countrywide Bank and made their monthly payments to Countrywide, until the time they defaulted.

When Bank of New York filed its Motion, typically the allegations in the Motion included a statement by the bank’s lawyer that:

Bank of New York as Trustee for the Certificate-holders of CWALT 2005-2 is the holder of a secured claim against the Debtor evidenced by a note and mortgage, copies of which are attached hereto.

The note and mortgage attached by the Bank of New York showed Countrywide Bank, FSB, as the lender, not the Bank of New York or Countrywide Home Loans or the CWALT 2005-2 Trust.  The endorsements on the note were the critical link between the Bank of New York as Trustee and the original lender, showing the bank’s right to proceed.  On the last page of the Note itself, below the signatures of the borrowers, there was a stamp that would read “Pay to the Order of Countrywide Home Loans, Inc.” and, directly underneath, a signature of an officer of Countrywide Bank, FSB (Laurie Meder, Vice President, for example.)  Because this endorsement identified a specific payee, Countrywide Home Loans, Inc., the endorsement was a “special endorsement.”  Under the Uniform Commercial Code of most states, this special endorsement authorized Countrywide Home Loans, Inc., and only Countrywide Home Loans, Inc. to claim to right to enforce the note.

In the example, however, Countrywide Home Loans, Inc. also sold the loan. On the note, on the same last page, near the endorsement stamp of Laurie Meder, for example, there is a second endorsement that reads “Pay To The Order of ____________________” and directly underneath the blank line, a signature of an officer of Countrywide Home Loans, Inc. (Michele Sjolander, for example, as Vice President of Countrywide Home Loans, Inc.). Because this endorsement did not identify a specific payee, this was a “blank endorsement.”  Under the Uniform Commercial Code of most states, this blank endorsement authorized anyone holding the note with the endorsement to claim the right to enforce the note.

On every note submitted in bankruptcy courts by the Bank of New York as Trustee for a CWALT, CWABS or CWMBS trust (which held over $500 billion dollars of loans), that included an endorsement in blank or an endorsement to the Bank of New York, as Trustee, or an endorsement to the particular trust, that note does indeed serve as evidence of a secured claim against the debtor, noting, of course, that evidence can be successfully rebutted.

The terms of the trust agreements specified that the notes were to have been endorsed in blank, as the following provision from the Pooling and Servicing Agreement for CWALT Alternative Loan Trust 2005-72 (p.31) in subsection 2.01, Conveyance of Mortgage Loans specifies:

                  (i) (A) the original Mortgage Note endorsed by manual or

facsimile signature in blank in the following form: “Pay to the order

of ____________ without recourse,” with all intervening endorsements

showing a complete chain of endorsement from the originator to the

Person endorsing the Mortgage Note (each such endorsement being

sufficient to transfer all right, title and interest of the party so

endorsing, as noteholder or assignee thereof, in and to that Mortgage

Note);

These endorsements were to have been made, and the notes delivered, by the closing date of the trust, reviewed by the document custodian or the trustee, and returned to the originators if there were any deficiencies, so they originator could correct the deficiencies or replace the loan with another qualified loan.

The trust agreements also make it clear that the endorsed notes were to have been delivered to the Master Servicer to be used in foreclosures, as the following provision from the Pooling and Servicing Agreement for CWALT Alternative Loan Trust 2005-72 (p.57) in subsection 3.12, Trustee to Cooperate; Release of Mortgage Files specifies:

From time to time and as shall be appropriate for the servicing or foreclosure of any Mortgage Loan…the Trustee shall, upon delivery to the Trustee of a Request for Release in the form of Exhibit M signed by a Servicing Officer, release the Mortgage File to the Master Servicer. Subject to the further limitations set forth below, the Master Servicer shall cause the Mortgage File or documents so released to be returned to the Trustee when the need therefor by the Master Servicer no longer exists, unless the Mortgage Loan is liquidated…

There is a very clear picture of what was supposed to happen whenever a trust wanted to foreclose on a loan in the trust:  the servicer was to file a form, and the trustee was to deliver the endorsed note to the servicer to use in the foreclosure.  This is what actually happened: in nearly 80% of the cases, Bank of New York used unendorsed notes, and an unsupported allegation that it had the right to foreclose for mortgage-backed trusts.

 

UNENDORSED NOTES — USED BY BANK OF NEW YORK IN FORECLOSURES:

Bankruptcy Cases Filed in 2008 and 2009 In 3 Jurisdictions Were Reviewed;

Where Bank of New York, as a Trustee, filed a Motion To Set Aside or Modify the Automatic Stay To Allow A Foreclosure To Go Forward (usually for a CWABS, CWALT or CWMBS Trust – that is, Countrywide);

To Determine How Often the Bank filed an ENDORSED NOTE (endorsed either in blank or to a trust or trustee) In Support of Its Motion.

(Only cases that ended in a Standard Discharge by 6-10-2014 were considered).

In 79% of the Cases, the Bank of New York Filed an Unendorsed Note.

Why does Bank of New York as Trustee most often use unendorsed notes in Bankruptcy court foreclosures? 

Did the trusts ever receive the endorsed notes as promised to investors?

 

District of Massachusetts

Number of Cases With Filed Notes: 118

Number of Cases with Unendorsed Notes: 76

Percentage of Cases with Unendorsed Notes: 64%

 

Middle District of Florida

Number of Cases With Filed Notes: 190

Number of Cases with Unendorsed Notes: 168

Percentage of Cases with Unendorsed Notes: 88%

 

District of South Carolina

Number of Cases with Filed Notes: 19

Number of Cases with Unendorsed Notes: 14

Percentage of Cases with Unendorsed Notes: 74%

 

TOTAL NUMBER OF CASES: 327

TOTAL NUMBER OF CASES WITH UNENDORSED NOTES: 258

PERCENTAGE OF CASES WITH UNENDORSED NOTES: 78.899%

 

UNENDORSED NOTES FILED IN BANKRUPTCY COURTS BY BANK OF NY AS TRUSTEE FOR MORTGAGE-BACKED TRUSTS SEEKING TO MODIFY OR SET ASIDE THE STAY TO FORECLOSE

 

DISTRICT OF MASSACH– USETTS

CASE 08-10761, Unendorsed Note, Document 11, p. 7-9, filed 2-15-2008
CWALT 2005-3CB

CASE 08-11269, Unendorsed Note, Document 11, p. 12-13, filed 3-10-2008
CWALT 2006-OA12

CASE 08-11285, Unendorsed Note, Document 61-1, p. 1-2, filed 7-25-2008
CWABS 2005-2

CASE 08-11618, Unendorsed Note, Document 78-2, p. 1-3, filed 7-2-2009
CWABS 2004-12

CASE 08-11702, Unendorsed Note, Document 12, p. 7-8, filed 3-25-2008
CWALT 2005-76

CASE 08-11865, Unendorsed Note, Document 11-2, p. 1-4, filed 5-27-2008
CWALT 2006-OA9

CASE 08-12428, Unendorsed Note, Document 46-2, p. 1-3, filed 1-19-2010
CWABS 2005-13

CASE 08-14187, Unendorsed Note, Document 18-2, p. 1-3, filed 12-1-2008
CWABS 2005-7

CASE 08-14263, Unendorsed Note, Document 47-2, p. 1-4, filed 12-30-2008
CWALT 2006-OA19

CASE 08-14321, Unendorsed Note, Document 7-2, p. 1-4, filed 7-11-2008
MARM 2005-08

CASE 08-15111, Unendorsed Note, Document 26-2, p. 1-4, filed 10-7-2008
GE-WMC Asset-Backed PT Certs. Series 2005-2

CASE 08-15342, Unendorsed Note, Document 12-2, p. 1-4, filed 8-8-2008
CWALT 2005-56

CASE 08-13956, Unendorsed Note, Document 10-1, p. 1-2, filed 7-1-2008
CWALT 2006-OA2

CASE 08-15551, Unendorsed Note, Document 15-2, p. 1-3, filed 8-21-2008
CWABS 2005-4

CASE 08-16003, Unendorsed Note, Document 69-2, p. 1-4, filed 1-5-2009
CWMBS 2005-2

CASE 08-16059, Unendorsed Note, Document 107-2, p. 1-6, filed 2-23-2010
ABFC 2005-HE1

CASE 08-16560, Unendorsed Note, Document 10-1, p. 5-7, filed 9-25-2008
CWALT 2005-19CB

CASE 08-16984, Unendorsed Note, Document 85-1, p. 1-5, filed 11-19-2009
CWALT 2005-72

CASE 08-17202, Unendorsed Note, Document 17-1, p. 1-4, filed 12-4-2008
CWABS 2004-29

CASE 08-17280, Unendorsed Note, Document 13-2, p. 1-4, filed 12-9-2008
CWALT 2006-OA9

CASE 08-18002, Unendorsed Note, Document 9-2, p. 1-2, filed 11-10-2008
CWABS 2005-13

CASE 08-18203, Unendorsed Note, Document 33-2, p. 1-3, filed 2-19-2009
CWABS 2007-11

CASE 08-18274, Unendorsed Note, Document 17-2, p. 1-6, filed 12-9-2008
CWMBS 2006-3

CASE 08-18413, Unendorsed Note, Document 15-1, p. 1-2, filed 1-6-2009
CWMBS 2006-6

CASE 08-19142, Unendorsed Note, Document 9-1, p. 1-2, filed 2-13-2009
CWABS 2005-14

CASE 08-19735, Unendorsed Note, Document 11-2, p. 1-4, filed 3-3-2009
CWABS 2005-7

CASE 08-30634, Unendorsed Note, Document 26-2, p. 1-3, filed 10-8-2008
CWABS 2004-10

CASE 08-30925, Unendorsed Note, Document 56-2, p. 1-4, filed 12-1-2008
CWABS 2005-05

CASE 08-31114, Unendorsed Note, Document 25-2, p. 1-3, filed 3-12-2010
CWABS 2005-13

CASE 08-40055, Unendorsed Note, Document 51-2, p. 1-3, filed 7-24-2008
CWABS 2005-13

CASE 08-40066, Unendorsed Note, Document 70-2, p. 1-3, filed 11-13-2009
CWABS 2005-AB4

CASE 08-40784, Unendorsed Note, Document 21-2, p. 1-3, filed 8-26-2008
CWALT 2005-J2

CASE 08-40798, Unendorsed Note, Document 81-1, p. 1-2, filed 10-24-2008
CWABS II, INC LFT 2005-4

CASE 08-41494, Unendorsed Note, Document 33-2, p. 1-3, filed 1-5-2009
CWABS 2005-7

CASE 08-41587, Unendorsed Note, Document 8, p. 9-10, filed 6-10-2008
CWALT 2005-49CB

CASE 08-41813, Unendorsed Note, Document 19-2, p. 1-3, filed 10-2-2008
CWABS 2004-AB2

CASE 08-42192, Unendorsed Note, Document 43-2, p. 1-3, filed 11-7-2008
CWABS 2005-13

CASE 08-42465, Unendorsed Note, Document 11-1, p. 1-3, filed 9-8-2008
CWALT 2006-24CB

CASE 08-42667, Unendorsed Note, Document 17-2, p. 1-3, filed 9-1-2008
CWABS 2006-8

CASE 09-42679, Unendorsed Note, Document 24-1, p. 12-15, filing 12-23-2008
CWALT 2004-17CB

CASE 08-42877, Unendorsed Note, Document 30-2, p. 1-4, filed 12-15-2008
CWABS 2005-17

CASE 08-43355, Unendorsed Note, Document 35-1, p. 1-2, filed 12-7-2009
CWALT 2006-6CB

CASE 08-43587, Unendorsed Note, Document 39-1, p. 1-2, filed 9-17-2009
CWABS 2006-3

CASE 09-10765, Unendorsed Note, Document 20-2, p. 1-4, filed 4-8-2009
CWABS 2005-AB4

CASE 09-11274, Unendorsed Note, Document 20-1, p. 1-2, filed 6-5-2009
CWALT 2005-55CB

CASE 09-11382, Unendorsed Note, Document 47-1, p. 1-3, filed 2-22-2010
CWABS 2004-1

CASE 09-12012, Unendorsed Note, Document 27-1, p. 1-2, filed 4-24-2009
CWALT 2005-37T1

CASE 09-12136, Unendorsed Note, Document 11-1, p. 1-2, filed 5-5-2009
CWABS 2006-3

CASE 09-13337, Unendorsed Note, Document 46-2, p. 1-2, filed 1-27-2010
CWALT 2005-85CB

CASE 09-14539, Unendorsed Note, Document 31-1, p. 1-3, filed 11-20-2009
CWABS 2006-5

CASE 09-14710, Unendorsed Note, Document 17-1, p. 1-2, filed 7-23-2009
CWALT 2005-32T1

CASE 09-16429, Unendorsed Note, Document 17-1, p. 1-2, filed 9-25-2009
CWABS 2006-14

CASE 09-16641, Unendorsed Note, Document 12-1, p. 25 -29, filed 8-31-2009
CWABS 2005-BC2

CASE 09-16886, Unendorsed Note, Document 47-2, p. 1-3, filed 2-19-2010
CWALT 2006-18CB

CASE 09-16965, Unendorsed Note, Document 10-1, p. 1-4, filed 10-14-2009
CWALT 2006-OA6

CASE 09-18015, Unendorsed Note, Document 20-1, p. 1-3, filed 12-11-2009
CWABS 2006-17

CASE 09-18857, Unendorsed Note, Document 11-1, p. 14-16, filed 11-17-2009
CWABS 2005-AB4

CASE 09-19095, Unendorsed Note, Document 16-1, p. 1-5, filed 1-4-2010
STRUCTURED ASSET MTG INVESTMENT II TRUST 2006-AR8

CASE 09-19521, Unendorsed Note, Document 15-1, p. 18-20, filed 12-16-2009
CWALT 2006-12CB

CASE 09-19643, Unendorsed Note, Document 8-1, p. 1-4, filed 12-7-2009
CWMBS 2004-12

CASE 09-19971, Unendorsed Note, Document 10-1, p. 1-3, filed 12-14-2009
CWABS 2006-18

CASE 09-20220, Unendorsed Note, Document 24-1, p. 1-4, filed 1-13-2010
CWALT 2005-24

CASE 09-20509, Unendorsed Note, Document 13-1, p. 1-2, filed 12-14-2009
CWALT 2006-24CB

CASE 09-21055, Unendorsed Note, Document 9-1, p. 1-3, filed 1-14-2010
CWALT 2006-11CB

CASE 09-21750, Unendorsed Note, Document 11-2, p. 1-3, filed 12-21-2009
CWABS 2005-17

CASE 09-31814, Unendorsed Note, Document 13-1, p. 1-3, filed 12-15-2009
CWABS 2005-15

CASE 09-41991, Unendorsed Note, Document 63-1, p. 1-2, filed 11-20-2009
CWALT 2004-05CB

CASE 09-43353, Unendorsed Note, Document 26-2, p. 1-3, filed 1-12-2010
CWABS 2005-1

CASE 09-43985, Unendorsed Note, Document 11-1, p. 18-20, filed 1-26-2010
CWALT 2005-30CB

CASE 09-43601, Unendorsed Note, Document 13-1, p. 1-3, filed 1-13-2010
CWABS 2004-05

CASE 09-44443, Unendorsed Note, Document 9-1, p. 1-3, filed 12-16-2009
CWABS 2004-10

CASE 09-44471, Unendorsed Note, Document 7-1, p. 24-30, filed 12-29-2009
STRUCTURED ASSET MTG INVESTMENT II TRUST 2006-AR2

CASE 09-44817, Unendorsed Note, Document 14-1, p. 1-3, filed 12-11-2009
CWABS 2006-18

CASE 09-20271, Unendorsed Note, Document 22-1, p. 1-2, filed 2-22-2010
CWALT 2005-07CB

CASE 09-22629, Unendorsed Note, Document 15-1, p. 1-2, filed 2-24-2010
CWALT 2005-32T1

CASE 09-45572, Unendorsed Note, Document 9-1, p. 1-2, filed 3-17-2010
CWABS 2006-13

 

DISTRICT OF SOUTH CAROLINA

CASE 3:08-00951-jw, Unendorsed Note, Document 24, p. 7-9, filed 11-20-2009
CWABS 2006-19

CASE 7:08-01294-hb, Unendorsed Note, Document 28, p. 7-9. filed 10-27-2008
CWABS 2005-4

CASE 2:08-00277-jw, Unendorsed Note, Document 12, p. 7-11, filed 2-13-2008
BEAR STEARNS ALT A (BS ALT A) TRUST 2004-3

CASE 2:08-00700-jw, Unendorsed Note, Document 17, p. 7-9, filed 7-31-2008
ASSET BACKED CERTS. 2007-2

CASE 3:08-00860-dd, Unendorsed Note, Document 27, p. 7-11, filed 10-7-2008
CWABS 2006-BC3

CASE 2:08-02026-jw, Unendorsed Note, Document 21, p. 7-9, filed 9-16-2008
CWABS 2006-25

CASE 3:08-02035-jw, Unendorsed Note, Document 30, p. 7-9, filed 9-4-2008
CWABS 2003-BC4

CASE 7:08-03144-hb, Unendorsed Note, Document 11, p. 7-8, filed 7-7-2008
CWALT 2005-06CB

CASE 3:08-03199-jw, Unendorsed Note, Document 18, p. 7-10, filed 12-18-08
CWABS 2006-8

CASE 7:08-03868-hb, Unendorsed Note, Document 18, p. 7-9, filed 10-27-2009
FFMLT 2004-FF10

CASE 7:08:05630-hb, Unendorsed Note, Document 9, p. 7-10, filed 10-3-2008
CWMBS 2005-HYB6

CASE 3:08-07684-dd, Unendorsed Note, Document 34, p. 7-10, filed 4-27-2010
CWABS 2005-4

CASE 7:08-08404-hb, Unendorsed Note, Document 60, p. 7-9, filed 3-4-2010
CWABS 2005-16

CASE 3:09-00296-dd, Unendorsed Note, Document 30, p. 7-9, filed 5-11-2009
CWALT 2005-J12

 

MIDDLE DISTRICT OF FLORIDA

CASE 9:08-00160, Unendorsed Note, Document 60-4, p. 13-17, filed 9-8-2008
CWALT 2007-OA10

CASE 9:08-00172, Unendorsed Note, Document 23-2, p. 18-20, filed 6-16-2008
CWALT 2006-OC3

CASE 6:08-00251, Unendorsed Note, Document 21-2, p. 21-24, filed 6-19-2008
CWALT 2005-84

CASE 8:08-00389, Unendorsed Note, Document 12-1, p. 1-5, filed 1-30-2008
CWABS 2006-BC5

CASE 9:08-00458, Unendorsed Note, Document 108-2, p. 5, filed 6-17-2009
ASSET BACKED CERTIFICATES 2007-3

CASE 6:08-00472, Unendorsed Note, Document 28-3, p. 23-26, filed 10-6-2008
CWMBS 2005-4

CASE 3:08-00554, Unendorsed Note, Document 12, p. 1-3, filed 2-18-08
CWALT 2005-AR1

CASE 6:08-00563, Unendorsed Note, Document 11-2, p. 2-3, filed 2-7-2008
CWALT 2004-4

CASE 8:08-00734, Unendorsed Note, Document 46-1, p. 1-5, filed 6-3-2008
CWABS 2006-SD4

CASE 8:08-00795, Unendorsed Note, Document 31-4, p. 19-21, filed 6-17-2008
CWABS 2006-21

CASE 6:08-00926, Unendorsed Note, Document 12-1, p. 1-3 filed 3-3-2008
CWABS 2006-22

CASE 6:08-00943, Unendorsed Note, Document 14-1, p. 1-3, filed 3-6-2008
CWABS 2006-18

CASE 6:08-00979, Unendorsed Note, Document 17-1, p. 1-3, filed 9-21-2008
CWABS 2006-18

CASE 9:08-00992, Unendorsed Note, Document 71-3, p.22-26, filed 9-3-2008
SAMI II Trust 2006-AR7

CASE 6:08-01073, Unendorsed Note, Document 62-3, p. 1-3, filed 9-24-2008
CWABS 2005-3

CASE 6:08-01123, Unendorsed Note, Document 12-1, p. 1-3, filed 2-22-2008
CWABS 2006-14

CASE 6:08-01164, Unendorsed Note, Document 01164, p. 1-3, filed 3-14-2008
CWABS 2006-1

CASE 9:08-01277, Unendorsed Note, Document 20-2 p.15, filed 5-8-2008
CWALT 2005-85CB

CASE 8:08-01278, Unendorsed Note, Document 19-1, p. 1-3, filed 4-28-2008
CWABS 2006-25

CASE 3:08-01457, Unendorsed Note, Document 11-1, p. 1-3, filed 4-8-2008
CWABS 2007-BC1

CASE 3:08-01507, Unendorsed Note, Document 53-2, p. 1-3, filed 7-22-2008
CWABS 2005-AB3

CASE 9:08-01574, Unendorsed Note, Document 31-2, p. 17-20, filed 6-20-2008
CWMBS 2005-HYB7

CASE 6:08-01728, Unendorsed Note, Document 12-1, p. 1-5, filed 3-21-2008
CWABS 2005-15

CASE 6:08-02063, Unendorsed Note, Document 28-2, p. 27, filed 7-17-2008
CWMBS 2006-HYB1

CASE 8:08-02079, Unendorsed Note, Document 29-2, p.32, filed 3-27-2008
CWALT 2006-OC3

CASE 3:08-02199, Unendorsed Note, Document 13-2, p. 1-5, filed 5-23-2008
CWABS 2006-23

CASE 3:08-02206, Unendorsed Note, Document 51-1, p. 11, filed 9-3-2008
CWALT 2005-59

CASE 8:08-02326, Unendorsed Note, Document 57-1, p. 1-3, filed 3-14-2008
CWABS 2006-18

CASE 6:08-02668, Unendorsed Note, Document 16-1, p. 1-3, filed 4-14-2008
CWABS 2006-11

CASE 3:08-02863, Unendorsed Note, Document 19-3, p. 24, filed 9-22-2008
CWALT 2004-17CB

CASE 8:08-02950, Unendorsed Note, Document 12-2, p. 17, filed 3-19-2008
CWALT 2005-80CB

CASE 8:08-02978, Unendorsed Note, Document 34-3, p. 1-2, filed 8-29-2008
CWALT 2005-75CB

CASE 3:08-03193, Unendorsed Note, Document 11-2, p. 1-4, filed 6-23-2008
CHL MORTGAGE PASS-THROUGH TRUST 2003-21

CASE 3:08-03204, Unendorsed Note, Document 11-2, p. 1-3, filed 6-26-2008
CWABS 2004-AB2

CASE 8:08-03248, Unendorsed Note, Document 8-2, p. 4, filed 3-26-2008
CWALT 2005-76

CASE 8:08-03333, Unendorsed Note, Document 47-4, p. 25, filed 9-25-2008
CWALT 2006-OA6

CASE 3:08-03463, Unendorsed Note, Document 16-2, p. 1-3, filed 9-12-08
CWABS 2005-AB1

CASE 6:08-03524, Unendorsed Note, Document 15-3, p. 14, filed 8-25-2008
CWABS 2005-14

CASE 6:08-03697, Unendorsed Note, Document 50-1 p. 2, filed 12-9-2008
CWMBS 2004-5

CASE 3:08-03797, Unendorsed Note, Document 18-1, p. 1-3, filed 9-18-2008
CWABS 2005-AB1

CASE 8:08-03814, Unendorsed Note, Document 50-2, p. 1-4, filed 7-15-2008
CWALT 2005-85CB

CASE 8:08-03872, Unendorsed Note, Document 12-2, p.14, filed 4-7-2008
CWMBS (series unstated)

CASE 3:08-03969, Unendorsed Note, Document 16-2, p. 1-3, filed 8-20-2008
CWABS 2005-16

CASE 6:08-03975, Unendorsed Note, Document 14-2, p. 23, filed 6-20-2008
CWALT 2005-80CB

CASE 6:08-04039, Unendorsed Note, Document 15-1, p. 1-3, filed 6-27-2008
CWABS 2006-14

CASE 8:08-04156, Unendorsed Note, Document 11-2, p. 1-3, filed 9-30-2008
CWABS 2006-8

CASE 6:08-04188, Unendorsed Note, Document 28-2, p. 32, filed8-26-2008
CWALT 2006-OC6

CASE 9:08-04202, Unendorsed Note, Document 30-2, p. 1-3, filed 9-17-2008
CWABS 2005-12

CASE 9:08-04286, Unendorsed Note, Document 8-2, p. 22, filed 4-25-2008
CWALT 2005-65

CASE 6:08-04345, Unendorsed Note, Document 36-4, p. 19, filed 3-3-2009
CWALT 2005-50CB

CASE 6:08-04484, Unendorsed Note, Document 12-3, p. 1-3, filed 6-13-2008
CWABS 2005-AB4

CASE 6:08-04556, Unendorsed Note, Document 12-1, p. 1-2, filed 7-15-2008
CWABS 2007-9

CASE 6:08-04819, Unendorsed Note, Document 15-2, p. 1-5, filed 6-23-2008
BVMBS 2004-2

CASE 9:08-04847, Unendorsed Note, Document 33-3, p. 19-23, filed 8-12-2008
ALTERNATIVE LOAN TRUST 2007-OA2

CASE 8:08-04869, Unendorsed Note, Document 16-2, p. 1-3, filed 10-20-2008
CWABS 2006-23

CASE 3:08-04940, Unendorsed Note, Document 18-2, p. 1-3, filed 12-1-2008
CWABS 2005-16

CASE 6:08-05076, Unendorsed Note, Document 38-1, p. 1-3, filed 9-25-2008
CWABS 2005-9

CASE 6:08-05125, Unendorsed Note, Document 29-3, p. 30, filed 8-12-2008
CWALT 2006-OA8

CASE 3:08-05279, Unendorsed Note, Document 18-1, p. 1-3, filed 12-3-2008
CWABS 2007-1

CASE 6:08-05382, Unendorsed Note, Document 12-1, p. 1-4, filed 7-18-2008
CWALT 2005-63

CASE 6:08-05392, Unendorsed Note, Document 16-2, p. 1-3, filed 7-17-2008
CWALT 2006-15CB

CASE 9:08-05404, Unendorsed Note, Document 15-2, P. 24-26, filed 5-21-2008
CWALT 2006-OC4

CASE 6:08-05550, Unendorsed Note, Document 13-2, p. 1-4, filed 9-16-2008
CWABSA 2005-AB5

CASE 6:08-05667, Unendorsed Note, Document 64-2, p. 1-3, filed 11-12-2008
CWABS 2005-17

CASE 6:08-05763, Unendorsed Note, Document 20-1, p. 1-4, filed 9-2-2008
ENCORE CREDIT RECEIVABLES TRUST 2005-2

CASE 6:08-05782, Unendorsed Note, Document 14-1, p. 1-4, filed 9-25-2008
CWABS 2005-7

CASE 6:08-05783, Unendorsed Note, Document 23-1, p. 1-3, filed 7-31-2008
CWALT 2005-33CB

CASE 8:08-05806, Unendorsed Note, Document 11-2, p.29, filed 5-19-2008
CWALT 2006-OA3

CASE 8:08-05898, Unendorsed Note, Document 13-2, p. 1-4, filed 6-4-2008
CWALT 2005-59

CASE 8:08-06055, Unendorsed Note, Document 9-2, p. 1-5, filed 5-23-2008
CWMBS 2006-HYB3

CASE 9:08-06094, Unendorsed Note, Document 28-3, p. 23-26, filed 6-27-2009
CWALT 2005-AR1

CASE 6:08-06237, Unendorsed Note, Document 34-1, p. 1-6, filed 2-18-2009
CWABS 2006-11

CASE 6:08-06278, Unendorsed Note, Document 28-2, p. 1-3, filed 9-16-2008
CWABS 2006-12

CASE 9:08-06293, Unendorsed Note, Document 9-2, p. 1-5, filed 5-23-2008
CWABS 2006-23

CASE 8:08-06331, Unendorsed Note, Document 12-2, p. 1-3, filed 7-16-2008
CWABS 2005-16

CASE 3:08-06347, Unendorsed Note, Document 10-1, p. 1-3, filed12-23-2008
CWABS 2005-AB1

CASE 8:08-06730, Unendorsed Note, Document 34-2, p. 5, filed 9-10-2008
IXIS 2005-HE2

CASE 6:08-06865, Unendorsed Note, Document 16-4, p. 27, filed 9-29-2008
ALTERNATIVE LOAN TRUST 2007-OA3

CASE 3:08-06923, Unendorsed Note, Document 39-1, p. 25, filed 2-12-2009
CWALT 2005-76

CASE 8:08-06959, Unendorsed Note, Document 18-1, p. 1-3, filed 9-9-2008
CWABS 2005-3

CASE 8:08-07080, Unendorsed Note, Document 13-1, p. 1-3, filed 9-25-2008
CWABS 2006-2

CASE 8:08-07098, Unendorsed Note, Document 17-1, p. 1-5, filed 7-23-2008
CWABS 2006-13

CASE 6:08-07253, Unendorsed Note, Document 20-4, p. 14, filed 1-14-2009
CWALT 2004-36CB

CASE 8:08-07290, Unendorsed Note, Document 11-4, p. 1-2, filed 6-9-2008
CWALT 2005-06CB

CASE 6:08-07599, Unendorsed Note, Document 12-2, p. 1-3, filed 11-8-2008
CWABS 2005-4

CASE 8:08-07754, Unendorsed Note, Document 11-3, p. 7, filed 6-17-2008
CWMBS 2005-4

CASE 8:08-07919, Unendorsed Note, Document 8-2, p. 1-3, filed 6-23-2008
CWABS 2005-14

CASE 8:08-08220, Unendorsed Note, Document 107-1, p. 1-4, filed 11-4-2008
SAMI II 2006-AR3

CASE 6:08-08349, Unendorsed Note, Document 14-3, p. 25, filed 11-3-2008
HARBORVIEW 2006-CB1

CASE 6:08-08472, Unendorsed Note, Document 30-1, p. 1-3, filed 3-3-2009
FFMLT 2004-FF10

CASE 6:08-08644, Unendorsed Note, Document 19-4, p. 20, filed 11-26-2008
CWMBS 2005-HYB5

CASE 8:08-08799, Unendorsed Note, Document 12-2, p. 1-4, filed 9-16-2008
CWABS 2006-BC1

CASE 8:08-09402, Unendorsed Note, Document 25-4, p. 26, filed 1-12-2009
CWALT 2007-OA7

CASE 8:08-09426, Unendorsed Note, Document 8-2, p. 1-3, filed 7-15-2008
ASSET-BACKED CERTIFICATES 2007-2

CASE 8:08-09476, Unendorsed Note, Document 10-2, p. 1-3, filed 7-21-2008
CWABS 2004-05

CASE 6:08-09601, Unendorsed Note, Document 13-1, p. 23, filed 1-22-2009
CWABS 2005-IM2

CASE 9:08-09629, Unendorsed Note, Document 35-4, p. 1-3, filed 1-7-2009
CWALT 2005-AR1

CASE 6:08-09660, Unendorsed Note, Document 11-1, p. 1-4, filed 1-15-2009
BEAR STEARNS ALT-A TRUST 2004-11

CASE 8:08-09811, Unendorsed Note, Document 10-2, p.1-5. Filed 9-16-2008
CWABS 2006-14

CASE 8:08-10340, Unendorsed Note, Document 12-3, p. 1-3, filed 9-2-2008
CWALT 2006-26CB

CASE 8:08-10592, Unendorsed Note, Document 27-2, p. 1-3, filed 10-3-2008
CWABS 2005-11

CASE 9:08-10804, Unendorsed Note, Document 30-4, P. 22, filed 12-2-2008
SAMI II 2006-AR4

CASE 8:08-11006, Unendorsed Note, Document 10-4, p. 22, filed 9-2-2008
CWALT 2005-16

CASE 8:08-11032, Unendorsed Note, Document 11-4, p. 27, filed 8-26-20008
CWALT 2006-OA10

CASE 9:08-11562, Unendorsed Note, Document 42-2, p. 4, filed 3-16-2009
CWALT 2006-OA10

CASE 9:08-11591, Unendorsed Note, Document 8-3, p. 6, filed 9-8-2008
SAMI II 2004-AR5

CASE 9:08-11827, Unendorsed Note, Document 35-3, p. 22, filed 3-16-2009
CWALT 2006-43CB

CASE 8:08-13389, Unendorsed Note, Document 36-3, p. 26, filed 1-22-2009
CWABS 2005-IM2

CASE 8:08-13510, Unendorsed Note, Document 14-2, p. 1-3, filed 9-17-2008
CWABS 2006-13

CASE 9:08-13756, Unendorsed Note, Document 26-2, p. 4, filed 11-3-2008
CWABS 2006-12

CASE 9:08-15162 Unendorsed Note, Document 20-2, p. 1-4, filed 11-7-2008
CWABS 2006-12

CASE 8:08-15196, Unendorsed Note, Document 14-4, p. 24, filed 12-2-2008
CWALT 2006-OC4

CASE 9:08-15342, Unendorsed Note, Document 33-4, p. 22, filed 5-12-2009
CWALT 2005-82

CASE 8:08-15714, Unendorsed Note, Document 12-2, p. 1-3, filed 11-11-2008
CWABS 2005-16

CASE 9:08-15890, Unendorsed Note, Document 30-2, p. 1-6, filed 4-13-2009
CWABS 2005-11

CASE 9:08-16469, Unendorsed Note, Document 19-1, p. 1-3, filed 3-2-2009
CWABS 2006-20

CASE 8:08-16484, Unendorsed Note, Document 17-3, p. 22, filed 1-15-2009
SAMI II 2006-AR3

CASE 8:08-17210, Unendorsed Note, Document 11-2, p. 7, filed 1-2-2009
CIT MTG LOAN TRUST 2007-1

CASE 8:08-17244, Unendorsed Note, Document 28-2, p. 1-3, filed 2-19-2009
CWABS 2005-17

CASE 9:08-18034, Unendorsed Note, Document 18-1, p. 1-2, filed 12-22-2008
CWMBS 2006-J1

CASE 8:08-18402, Unendorsed Note, Document 20-2, p. 1-6, filed 12-2-2008
CIT MTG LOAN TRUST 2007-1

CASE 8:08-19027, Unendorsed Note, Document 27-1, p. 24, filed 4-14-2009
FFMLT 2004-FF10

CASE 9:08-19532, Unendorsed Note, Document 13-1, p. 21, filed 4-9-2009
SAMI II 2006-AR8

CASE 9:09-00082, Unendorsed Note, Document 18-2, p. 1-3, filed 3-18-2009
CWABS 2005-AB4

CASE 8:09-00518 Unendorsed Note, Document 33-1, p. 1-3, filed 5-12-2009
CWABS 2005-14

CASE 8:09-03807 Unendorsed Note, Document 13-4, p. 18-22, filed 5-8-2009
CWALT 2006-OCB

CASE 9:09-04991 Unendorsed Note, Document 14-4, p. 13-14, filed 4-14-2009
CWALT 2006-4CB

CASE 6:09-05145, Unendorsed Note, Document 13-2, p. 1-3, filed 6-1-2009
CWABS 2005-16

CASE 6:09-05730 Unendorsed Note, Document 17-4, p. 16-18, filed 7-6-2009
CWALT 2005-J4

CASE 9:09-05811, Unendorsed Note, Document 21-2, p. 1-4, filed 6-26-2009
CWABS 2006-8

CASE 6:09-06439 Unendorsed Note, Document 12-1, p.1-3, filed 7-14-2009
CWABS 2005-17

CASE 6:09-06760, Unendorsed Note, Document 32-1, p. 17-21, filed 10-23-2009
CWALT 2005-51

CASE 6:09-07167, Unendorsed Note, Document 17-1, p. 1-4, filed 9-2-2009
CWMBS 2005-HYB10

CASE 6:09-06439 Unendorsed Note, Document 12-1, p.1-3, filed 7-14-2009
CWABS 2005-17

CASE 6:09-06760, Unendorsed Note, Document 32-1, p. 17-21, filed 10-23-2009
CWALT 2005-51

CASE 6:09-07167, Unendorsed Note, Document 17-1, p. 1-4, filed 9-2-2009
CWMBS 2005-HYB10

CASE 6:09-06439 Unendorsed Note, Document 12-1, p.1-3, filed 7-14-2009
CWABS 2005-17

CASE 6:09-06760, Unendorsed Note, Document 32-1, p. 17-21, filed 10-23-2009
CWALT 2005-51

CASE 6:09-07167, Unendorsed Note, Document 17-1, p. 1-4, filed 9-2-2009
CWMBS 2005-HYB10

CASE 6:09-06439 Unendorsed Note, Document 12-1, p.1-3, filed 7-14-2009
CWABS 2005-17

CASE 6:09-06760, Unendorsed Note, Document 32-1, p. 17-21, filed 10-23-2009
CWALT 2005-51

CASE 6:09-07167, Unendorsed Note, Document 17-1, p. 1-4, filed 9-2-2009
CWMBS 2005-HYB10

CASE 6:09-06439 Unendorsed Note, Document 12-1, p.1-3, filed 7-14-2009
CWABS 2005-17

CASE 6:09-06760, Unendorsed Note, Document 32-1, p. 17-21, filed 10-23-2009
CWALT 2005-51

CASE 6:09-07167, Unendorsed Note, Document 17-1, p. 1-4, filed 9-2-2009
CWMBS 2005-HYB10

CASE 9:09-09168, Unendorsed Note, Document 14-1, p.13-14, filed 6-22-2009
CWMBS 2003-30

CASE 8:09-09348 Unendorsed Note, Document 16-4, p. 20-22, filed 7-21-2009
CWALT 2006-2CB

CASE 8:09-09664 Unendorsed Note, Document 15-1, p. 31-35, filed 7-23-2009
CWALT 2006-OC2

CASE 6:09-10004 Unendorsed Note, Document 22-3, p. 1-3, filed 8-17-2009
CWALT 2005-47CB

CASE 6:09-10518, Unendorsed Note, Document 16-1, p.23-25, filed 8-28-2009
CWALT 2006-11CB

CASE 3:09-10528 Unendorsed Note, Document 11-1, p. 1-4, filed 2-26-2010
CWABS 2005-3

CASE 9:09-10592 Unendorsed Note, Document 17-1, p 1-4, filed 7-29-2009
CWMBS 2004-12

CASE 9:09-11934 Unendorsed Note, Document 12-1, p. 17-20, filed 8-7-2009
CWMBS2006-HYB2

CASE 8:09-13547, Unendorsed Note, Document 11-1, p. 28-32, filed 8-3-2009
CWALT 2006OC9

CASE 9:09-14140, Unendorsed Note, Document 13-1, p. 21-23, filed 8-7-2009
CWALT 2006-OC1

8:09-14265, Unendorsed Note, Document 13-1, p. 16-20, filed 7-24-2009
CWABS 2005-IM2

8:09-14685, Unendorsed Note, Document 11-1, p.15-16, filed 7-30-2009
CWALT 2005-70CB

6:09-15729, Unendorsed Note, Document 14-2, p. 1-2, filed 11-24-2009
CWABS 2005-9

6:09-17067 Unendorsed Note, Document 16-1, p. 1-4, filed 1-12-2010
CWALT 2005-84

6:09-18170, Unendorsed Note, Document 52-2, p. 1-3, filed 8-13-2010
CWALT 2005-64CB

CASE 8:09-18225 Unendorsed Note, Document 11-1, p. 1-3, filed 9-24-2009
CWABS 2006-16

CASE 9:09-19767, Unendorsed Note, Document 17-1, p. 1-2, filed 10-5-2009
RASC 2005KS8

CASE 8:09-19987 Unendorsed Note, Document 14-1, p. 1-2, filed 10-27-2009
CWALT 2006-23CB

CASE 8:09-20900, Unendorsed Note, Document 11-2, p. 1-4, filed 10-23-2009
American Home Mortgage Investment Trust 2004-4

CASE 8:09-22408 Unendorsed Note, Document 19-1, p. 1-4, filed 11-6-2009
SAMI II 2006-AR7

CASE 9:09-22647, Unendorsed Note, Document 27-1, p. 26-30, filed 1-20-2010
CWALT 2006-OA10

CASE 9:09-26788, Unendorsed Note, Document 38-1, p. 14-16, filed 3-27-2012
CWABS 2005-16

CASE 9:09-27281, Unendorsed Note, Document 22-1, p. 1-2, filed 3-15-2010
Alternative Loan Trust 2007-10CB

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