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Chart 1

Chart 1. Variables in a Mortgage Loan Interest Rate (%) Years (expressed in months) Amount ($, with closing cost) Less than 2x. “Truth in Lending” $79,996 Finance Charge Total Payback=$ 126,070.16. Chart 1a. Variables in a Mortgage Loan Interest Rate (%) Years (expressed in months)

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Chart 1

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  1. Chart 1 Variables in a Mortgage Loan Interest Rate (%) Years (expressed in months) Amount ($, with closing cost) Less than 2x “Truth in Lending” $79,996 Finance Charge Total Payback=$126,070.16

  2. Chart 1a Variables in a Mortgage Loan Interest Rate (%) Years (expressed in months) Amount ($, with closing cost) More than 2x “Truth in Lending” $105,651 Finance Charge Total Payback=$151,725.00

  3. Chart 1b Variables in a Mortgage Loan Interest Rate (%) Years (expressed in months) Amount ($, with closing cost) More than 3.5x “Truth in Lending” $163,982.67 Finance Charge Total Payback=$210,056.83 $201,134

  4. Chart 1cDifferences in only rate % Variables in a Mortgage Loan Interest Rate (%) Years (expressed in months) Amount ($, with closing cost) For Amount Financed of $46,074 .16 “Truth in Lending” $79,996Finance Charge $105,651 Finance Charge $163,982.67 Finance Charge Total of Payments 8.375% = $126,070.16 10.5% = $151,725.00 14.350% = $210,056.83

  5. Interest Rate and Finance Charge Comparison “TILDS vs. Actual”Amount Financed for 30 years • “Truth in Lending Disclosure Statement” vs. “Actual” • July 14, 2000, July 26, 2000 and January 14, 2004 • $41,494.95, $46,074.16and $55,199.94 • $132,492.05,$163,982.67 and $173,108.61 Chart 2 (Includes fees, force placed insurance and misc…) • “Difference of 2.812%and $40,616.56 in TILDS Finance Charge”

  6. Interest Rate Comparison “Good Faith vs. Actual”$46,074.16 Amount Financed for 30 years “Good Faith Estimate” vs. “Actual” “Teaser Rate” Chart 2a “Bait and Switch” “Approximately Double 8% to16% • “Bait and Switch” - almost doubled the interest rate (difference of 7.336%) • in cash finance charge difference over the life of the loan $173,108.61-$79,996= $93,112.61 • and monthly charge difference $609.00-$350.00= $259.00”

  7. Finance Charge Comparison “Faith vs. Actual”$46,074.16 Amount Financed for 30 years “Good Faith Estimate” vs. “Truth in Lending Disclosure Statement” Chart 2b “Teaser Rate” “Bait and Switch” Approximately $100,000 difference in Finance Charge “8.375% , 14.350% and 15.826% Difference of Good Faith to TILDS $83,986.67 and Good Faith to Actual $94,656.64”

  8. Monthly Payment Comparison “Faith vs. Actual”$46,074.16 Amount Financed for 30 years “Good Faith Estimate” vs. “Truth in Lending Statement” Chart 2c • “8.375% , 14.350% and 15.826% • monthly charge Difference of Good Faith to TILDS $209.00 • and Good Faith to Actual $350.00- $613.00= $265.00”

  9. Chart 3 – Dates range 7/14/00 to 12/5/03 Payments Made (29) Chart 2a

  10. Chart 3a - Dates range 7/14/00 to 12/5/03 Total Misc., Fees & Insurance Chart 2a Total of Interest Insurance, Misc.and Fees $24,593.78

  11. Chart 3b - Payoff after 29 payments = $45,808 Total of 29 payment $24,859.94

  12. Chart 3c - Simple Payoff after 29 payments $45,808 with $42,000 applied to the note (with no reversal of fees $10,669.97) Payoff with reversal of fees: $45,808 -42,000. -6276.38 Reversal of fees +$2,468.38 (in the black) Payoff with no reversal of fees: $45,808 -42,000 -$3,808 new principal balance Reversal of fees, force place insurance, misc…: Total $6,276.38

  13. Option 1(insurance view) $20 per day Amount of time June 5, 2003-April 5, 2011 (2,225 days)=$64,500 Interest rate 8.375% Financed for 30 years Hardship for living in a burnt home (Range of 80,000 to 150,000) Refund of $2,468.38 Total = $183,242.00-$333,242.00 Option 2 (central view) Rent $750 per month Amount of time June 5, 2003-April 5, 2011 (106 Months) = $79,500 Interest rate 10.5% Financed for 30 years Hardship for living in a burnt home (Range of 80,000 to 150,000) Refund of $2,468.38 Total = $269,926.00-$419,926.00 Chart 4 – Present Value of Damages Due to Displacement and Loss of Use • Option 3 (predatory) • Rent $950 per month includes utilities • Amount of time June 5, 2003-April 5, 2011 (106 Months) = $100,700 • Interest rate 15.826% • Financed for 30 years • Hardship for living in a burnt home (Range of 80,000 to 150,000) • Refund of $2,468.38 Total = $494,242.00- $644,242.00

  14. Chart 5 - Overview Countrywide Financial 2007

  15. Chart 5a – Countrywide Home Loans as a % of Countrywide Financial Countrywide Financial Businesses at a Glance • Mortgage Banking • Countrywide Home Loans (CHL) • Consumer Markets Division (CMD) • Full Spectrum Leading Division (FSLD) • Wholesale Division (WLD) • Correspondent Lending Division (CLD) • Servicing • Countrywide Home Loans • Countrywide Servicing LP • Closing Services • LandSafe

  16. Chart 5a – Countrywide Home Loans as a % of Countrywide Financial Countrywide Financial Businesses at a Glance Other Businesses (Banking, Insurance, Capital Markets, Global Operations) • Banking • Countrywide Bank (FSB) • Countrywide Warehouse Lending (CWL) • Insurance • Balboa Reinsurance • Balboa Insurance Group • Countrywide Insurance Services

  17. Chart 5a – Countrywide Home Loans as a % of Countrywide Financial Countrywide Financial Businesses at a Glance Other Businesses (Banking, Insurance, Capital Markets, Global Operations) • Capital Markets • Countrywide Securities Corporation (CSC) • Countrywide Commercial Real Estate Finance (CRF) • Countrywide Asset Management (CAM) • Countrywide Servicing Exchange (CSE) • Global Operations • CFC International, India Services • Countrywide International Technology Holdings, Ltd.

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