Bank of New York Mellon v. City of Richmond, California et al

Filing 61

Declaration of Brian Hershman in Support of 60 Declaration in Support, of Motion for Rule 11 Sanctions, Exhibit H, Part 1 of 2 filed byU.S. Bank National Association. (Attachments: # 1 Exhibit H, Part 2 of 2, # 2 Exhibit I, Part 1 of 2, # 3 Exhibit I, Part 2 of 2, # 4 Exhibit J, # 5 Exhibit K, # 6 Exhibit L)(Related document(s) 60 ) (Hershman, Brian) (Filed on 11/22/2013)

Exhibit H

CITY MANAGER'S OFFICE

July 31, 2013
Ms. Loretta Lundberg
Bank of New York M ellon
101 Barclay Street
New York, NY 10286
Dear Ms. Lundberg:
This letter is being forwarded to you as the Servicer of the mortgage loans in the private securitization
trust(s) listed in Attachment A. The City of Richmond ("City"), has been investigating the acquisition of
mortgage loans from the trust(s) as part of a public program to modify underwater mortgage loans to
reduce principal and avoid foreclosures. The City is experiencing an historic home mortgage crisis that is
harming the community in many ways, including: unprecedented rates of default and foreclosure; the
loss of jobs, homeowner equity, family wealth and shelter; reductions in income, consumer demand,
investment, property values, and tax revenues; and an increase in vandalism, abandoned homes and
other decay that harm the economy and the quality of life for residents.
By way of this letter, the City hereby offers to acquire all rights to the mortgage loans listed in
Attachment A {the "Loans"). If you do not believe that yov are the correct party to consider this offer,
please notify me immediately of the party that you believe is the correct party to consider this offer.
The City had the Loans appraised on June 30, 2013 to determine their fair market value. Mortgage
Industry Advisory Corporation conducted the appraisal.
Based on the appraisal, the City hereby offers to purchase the Loans (free and clear of any
encumbrances to title or other interests that the tity, in its di. cretion, deems unacceptable} fortlie fair
s
market value determined by the appraisal, which Is set out in Attachment B (the "Purchase Price"}. The
Purchase Price is the full amount believed by the City to be just compensation for the Loans and is not
less than the appraisal oft he fair market value ofthe Loans.
The basis for this offer is set forth in Attachment B, which summarizes the basis for the appraisal and is
made a part of this offer by reference. The Purchase Price amount is for all owners of any interest in the
Loans, and division of this amount among parties that have an interest in the Loans will be your
responsibility.
This offer is subject to the approval of the City's City Council, including final conditions that the City
Council requires as part of its program.
If you certify that you are the owner of the Loans with the authority to convey them to the City, and
wish to obtain your own independent appraisal of the Loans, the City may be willing to provide
reasonable reimbursement. Please contact me if you are int erested in discussing this issue.
If the offer price is acceptable to you, please so indicate to the undersigned, in writing. This matter will
then be presented to the City Council, which has final ratification authority. Upon City Council approval,
the City will prepare and forward to you a proposed agreement to acquire the Loans.
lffor any reason you are not satisfied with this offer of just compensation, and have relevant
information you would like t he City to consider, please contact the undersigned. In addition, you

450 Civic Center Plaza, Richmond, CA 94804-1630
Telephone: [phone] Fax: [phone] www.ci.richmond .ca.us

should be aware that, in the event that negotiations fail to result in agreement, and the City decides to
proceed with the acquisition of the loans through eminent domain, the owner will have the right to
have the amount of just compensation to be paid by the City for the loans fixed by a court of law.
Please be advised that, in such event, the terms of this offer and the contents of this letter may be
excluded from consideration as an offer of settlement, under California Evidence Code sections 1152,
1154, or other applicable provisions of law.
Included w ith this letter is a pamphlet describing the eminent domain process in california. This
pamphlet is provided for informational purposes only and should not be construed as legal advice.
Some parts of the pamphlet are addressed to the acquisition of real property and may not be applicable
to the present situation.
I hope that this offer meets with ypur approval and that it can serve as the basis for a quick and mutually
beneficial transaction. I look forward to hearing from you after you have had the opportunity to review
it. Again~ if you are not the correct party with which to negqtiate for the acquisition of the Loans,
please let me know immediately. In any event, please provide a response no later than August 13, 2013.
The mortgage loans listed in Attachment A are a subset ofthe mortgage loans the Clty is interested
in acquiring. The full list of mortgage loans the City is interested in acquiring at the present time is
provided in Attachment C. The City is making offers to acquire groups of loans based on the
Trustee/Servicer information available to the City. If you are the party with authority to consider an
offer to purchase any of the other mortgage loans listed in Attachment C and have not received a letter
from the City offering to purchase the loans, please let me know immediately.
Thank you for your cooperation.
Sincerely,
City of Richmond

by

~::::r

Lindsay

City Manage r

Attachments and Enclosure

.

,

EMINENT DOMAIN - Information Pamphlet
I.

Introduction

Eminent domain is the power of the government to purchase private property for a
"public use" so long as the property owner is paid "just compensation." Whenever
possible, the City of Richmond tries to avoid use of the eminent domain power,
exercising it only when it is necessary for a public project. The decision to acquire
private property for a public project i s made by the City of R ichmond only after a
thorough review of the project, which often includes public hearings.
This pamphlet provides general information about the eminent domain process and the
rights of the property owner in that process. 1

•

What is a "public use"?

A "public use" is a use that confers public benefits, like the provision of public
services or the promotion of public health, safety, and welfare. Public uses include a
wide variety of projects such as street improvements, construction of water pipelines
or storage facilities, construction of civic buildings, redevelopment of blighted areas,
and levee improvements to increase flood protection. Some public uses are for
private entities, such as Wliversities, hospitals and public utilities, which serve the
public.

•

What~ "j~ comp~~tion"?

Just compensation is the fair market value of the property being acquired by the
government. The state law definition of fair market value is "the highest price on the
date of valuation that would be agreed to by a seller, being willing to sell but under no
particular or urgent necessity for so doing, nor obliged to sell, and a buyer, being
r eady, willing, and able to buy but under no particular necessity for so doing, each
dealing with the other with full knowledge of all the uses and purposes for which the
property is reasonably adaptable and available."

II.

The Eminent Domain Process and the Property Owner's Rights
The eminent domain process begins with a public use project. When selecting a
project location, the goal is to render the greatest public good and the least private

1

Thls pamphlet reflects the current law as of January 1, 2008. However, the information in
this pamphlet is not, nor should it be construed as, legal advice. Additionally, some
sections of this m1mphJet are applicable only to the acquisition of real property and mav not
be applicable in other situations. Yon sl10uld consult with qualified legal counsel regarding
your specific situation rather than reJyiug on this pamphlet as legal advice. The statements
io this pamphlet are a general summary of the eminent domain process and are not binding
on the City of Richmond.

- 1-

injury or inconvenience. If it is determined that all or a portion of your property may
be necessary for a public use project, the City of Richmond will begin the appraisal
process to determine the property's fair market value.

•

Bow is the fair market value of my property determined?

The City of Richmond will retain an appraiser to appraise your property. In the case
of real property, the appraiser will invite you to accompany him or her during an
inspection of your property. You may give the appraiser any infonnation about
improvements and any special features that you believe may affect the value of your
property. It is in your best interest to provide the appraiser with all the useful
information you can in order to ensure that nothing of value will be overlooked. If
you are unable to meet with the appraiser, you may wish to have a person who is
familiar with your property meet with the appraiser instead.
After the inspection, the appraiser will complete an appraisal that will include the
appraiser's determination of your property's fair market value and the infonnati.on
upon which the fair market value is based. The appraiser will provide the City of
Richmond with the appraisal. The City of Richmond will then make a written offer to
purchase the property. The offer will also include a summary of the appraisal. The
offer will be for no less than the amount of the appraisal.

•

What factors does the appraiser consider in determining fair market value?

Each parcel of real property is different and, therefore, no single formula can be used
to appraise all properties. Among the factors an appraiser typically consideiS in
estimating fair market value are:
o The location of the property;
o The age and condition of improvements on the property;
o How the property has been used;
o Whether there are any lease agreements relating to the prope1ty;
o Whether there are any environmental issues, such as contaminated soil;
o Applicable current and potential future zoning and land use requirements;
o How the property compares with similar properties in the area that have
been sold recently;
o How much it would cost to reproduce the buildings and other structures,
less any depreciation; and
o How much rental income the property produces, or could produce if put to
its highest and best use.
If the property to be appraised is not real property, the appraiser would consider
factors commonly considered in determining the market value of that type of
property.

•

Will I receive a copy of the appraisal?

- 2-

The City of Richmond will provide you with its purchase offer, a summary of the
appr aiser's opinion, and the basis for the City of Richmond's offer. Among other
things, the offer letter will include:
o A general statement of tho City of Richmond's proposed use for the
property;
o An accurate description of the property to be acquired;
o A list of the improvements covered by the offer;
o The amount of the offer; and
o The amount considered to be just compensation for each improvement
which is owned by a tenant and the basis for dete:t:mining that amount.
However, the City of Richmond is only required to show you a copy of the full
appraisal if your property is an owner-occupied residential property with four or
fewer residential units. Otherwise, the City of Richmond may, but is not required, to
disclose its full appraisal during negotiations (though different disclosure
requirements apply during the litigation process if the issue of fair market value goes
to court).

•

Can I have my own appraisal done?

Yes. You may decide to obtain your own appraisal of the property in negotiating the
fair market value with the City of Richmond. For real property, at tho time of making
its initial offer to you, the City of Richmond will offer to reimburse you the
reasonable costs, not to exceed $5. 000, of an independent appraisal of your property.
,
To be eligible for reimbursement, the independent appraisal must be conducted by an
appraiser licensed by the S'tate Office of Real Estate Appraisers .
•

What advantages are there in selling my property to the City of Richmond?

A real' estate transaction with the City of Richmond is typically handled in the same
way as the sa]e of private property. However, there may be a financial advantage to
selling to the City of Richmond.
o

o

•

You will not be required to pay for real estate commissions, title costs,
preparation of documents, title policy or recording fees required in closing
the sale. The City of Richmond will pay all these costs.
Although the City of Richmond cannot give you tax advice or direction,
you might also be eligible for certain property and income tax advantages.
You should check with the Internal Revenue Service (IRS) for details or
consult your personal tax advisor.

If only a portion of my property is taken, will I be paid for the loss to my
remaining property?

-3-

In general, when only a part of your property is needed, every reasonabLe effort is
made to ensure you do not suffer a financial loss to the "remainder" property. The
City of Richmond will pay you tl)e fair market value of the property being taken as
well as compensation for any loss in value to your remaining property that is not
offset by the benefits conferred by the project. The compensation for the loss in value
to your remaining property is often referred to as "severance damages."
Also, if any remaining part is of such a size, shape, or condition as to be of little
market value, the City of Richmond will offer to acquire that remaining part (or
remnant) from you, if you so desire.
•

Will I be compensated for loss of goodwill to my business?

If you are the owner of a business that is conducted on the property being acquired,
you rna y have a right to compensation for lost business goodwill if the loss is caused
by the acquisition of the property. "Goodwill" consiSts of the benefits that accrue to a
business as a result of its location, reputation for dependability, skill or quality, and
any other circumstances resulting in probable retention of old or acquisition of new
patronage.
·
•

What will happen to the loan on my property?

Where the City of Richmond is acquiring the entire pr.ope1ty, generally tl1e
compensation payable to the owner is first used to satisfy outstanding loans or liens as
in a typical real estate transaction. Where less than the entire property is being
acquired, whether outstanding loans or liens are paid from tlle compensation will
depend on the particular facts and circumstances.
•

Do I have to sell at the price offered?

No. If you and the City of Richmond are unable to reach an agreement on a mutually
satisfactory price, you are not obligated to sign an offer to sell or enter into a purchase
agreement.

•

If I agree to accept the City of Richmond's offer, bow soon wiU I be paid?

If you reach a voluntary agreement to sell your property or an interest in the property
to ilie City of Richmond, payment will be made at a mutually acceptable time.
GeneralLy, this should be possible witlrin 30 to 60 days after a purchase/sale contract
is signed by all parties.
•

What happens if we ace Wiable to reach an agreement on the property's fair

market value?

-4-

The City of Richmond, to the greatest extent practicable, will make every reasonable
effort to acquire your property by negotiated purchase. If, however, the negotiations
are unsuccessful, the City of Richmond may either file an eminent domain action in a
court located within the same county where your property is located or it may decide
to abandon its.intention to acquire the property. If the City of Richmond abandons its
intention to acquire, it will promptly notify you.

If the City of Richmond proceeds with eminent domain, the frrst step is for City of
Richmond staff to request authority from the City Council to file a condemnation
action. The approval from the City Council is called a "Resolution of Necessity." In
considering whether condemnation is necessary, the City Council must detennine
whether the public interest and necessity require the project, whether the project is
planned or located in the manner that will be most compatible with the greatest public
good and the least private injw:y, and whether your property is necessary for the
project. You will be given notice and an opportunity to appear before the City
Council when it considers whether to adopt tbe Resolution of Necessity. You may
want to call an attorney or contact an attorney referral service right away. You or
yow: representatives can raise any objections to the Resolution ofNecessity and the
condemnation either orally before the City Council or in writing to the City Council.
If the City Council adopts the Resolution of Necessity, the City of Richmond can file
a complaint .in court to acquire title to the property upon payment of the prope1ty's
fair market value. The City of Richmond is the plaintiff. Anyone with a legal interest
in the property, generally determined from a title report on the property (including
tenants or mortgage holders), are named as defendants. Often, the City of Richmond
will also deposit the amount the City of Richmond believes is the "probable amount
of compensation" with the State Treasurer where the complaint is Illed. A deposit
must be made if the City of Richmond is seeking to acquire possession of the
property before agreement is reached on the fair market value.

•

Can the City ofRicbmond acquire possession of my property before the
property's fair market value is determined in the eminent domain lawsuit?

In some cases, the City of Richmond may decide it needs possession of the property
before the property's fair market value is finally determined. In sucb a case, the City
of Richmond must apply to the cou1t for an "order for possession • to allow it to take
possession and control of the property prior to resolution of the property's fair market
value. Tbe City of Richmond is required to schedule a hearing with the court on the
proposed order for possession and to give you notice of the hearing. Notice must
generally be sent at least 90 days before the hearing date if the property is occupied
and 60 days before the hearing date if the property is unoccupied. A judge will
decide whether the order for possession should be granted. A-.; noted above, the City
of Richmond must deposit with the State Treasurer the probable amount of just
compensation in order to obtain possession of the property.

- 5-

•

Can I oppose the motion for an order for possession?

Yes. You may oppose the motion in writing by serving the City of Richmond and the
court with your written opposition within the period of time set forth in the notice
from the City of Richmond.

•

Can I rent the property from the City of Richmond?

If the City of Richmond agrees to allow you or your tenants to remain on the property
after the City of Richmond acquires possession, you or the tenants will be required to
pay a fair ront to the City of Richmond. Generally, such rent will not be more than
that charged as rent for the use of a property similar to yours in a sitnilar area.
•

Can I withdraw the amount deposited with the State Tr~urer before the
eminent domain action is completed, even if I don't agree that the amount
reflects the fair market value of my property?

Yes. Subject to the rights of any other persons having a property interest (such as a
lender, tenant, or co-owner), you may withdraw the amount deposited with lhe State
Treasurer before the eminent domain action is completed. If you withdraw the
amount on deposit, you may still seek a higher fair market value during the eminent
domain proceedings, but you may not contest the right of the City of Richmond to
~cquire the property, meaning YQll ca.nnot <;onwst tfutt the acquisition of your property
is for a public purpose or is otherwise improper.
You also have the right to ask the court to require the City of Richmond to increase
the amount deposited with the State Treasurer if you believe the amount the City of
Richmond has deposited less than the "probable amount of compensation."
·

•

Can I contest tbe condemning agency's acquisition of the property?

Yes. Provided you have not withdrawn the amount deposited, you can challenge in
court the City of Richmond's right to acquire or condemn the property.

•

What happens in an eminent domain trial?

The main purpose of an eminent domain trial is to detennine the fair market value of
your property, including compensable interests such as lost business goodwill caused
by the taking or severance damages. The trial is usually conducted before a judge and
jury. You (and any others with interests in the property) and the City of Richmond
will have the opportunity to present evidence of value, and the jmy will determine the
property's fair market value. In cases where the parties choose not to have a jury, the

-6-

judge will decide the property's fair market value. Generally, each party to the
litigation must disclose its respective appraisals to the other parties prior to trial.

If you challenge the City of Richmond's right to acquire the property, the eminent
domain trial will also determine whether or not the City of Richmond has the legal
right to acquire the property. In such cases, the judge (not the jury) will make this
determination before any evidence is presented concerning the property's fair market
value.
At the end of the trial, the judge will enter a judgment requiring the City of Richmond

to pay fair market value. Once the City of Richmond pays the amount listed in the
judgment, the judge will enter a final order of condemnation. The City of Richmond
will record the final order with the County Recorder, and title to the property will
then pass to tho City of Richmond
•

Am I entitled to interest?

Anyone receiving compensation in an eminent domain action is generally e ntitled to
interest on that compensation from the date the condemning agency takes possession
of the property until the person receiving the compensation has been fully paid. The
rate and calculation of the interest is determined under fonnulas in State law.

•

Will the City of Richmond pay my attorneys' fees and costs.

In an eminent domain action, you are entitled to be reimbursed by the condemning
agency for your court costs such as court filing fees. In som e circumstances, you may
also be entitled to be reimbursed by the condemning agency for your attorneys' fees
in the lawsuit. Whether you will be entitled to receive reimbursement for your
attorneys' fees will depend on the particular facts and circumstances of the case and
the offers and demand for compensation made in the action.

•

Will I receive assistance with relocation?

Any person, business, or farm operation displaced as a result of the property
acquisition is typically entitled to relocation adyjsory and financial assistance for
eligible relocation expenses, such as moving expenses. The amount of relocation
compensation is determined on a case-by-case basis in accordance with prescribed
law. Relocation benefits are handled separate and apart from the det:crmination of the
property's fair market value and are not part of the eminent domain process.

DI.

Contact Information

We are available to answer your questions and to assist you in understanding the
acquisition program and the eminent domain process. Should you desire further

-7-

information, please contact the City of Riclunond using the contact information contained
in the accompanying offer letter.

-8-

Trustee Exhibit A

Trustee

Loanld

Bloomberg Dea !Name

Bank of New York

1765493317

CHASE 2005-52

Chase Mortgage Finance Trust 2005-52

Bank of New York

1B44561126

CHASE 200&-52

Chase Mortgage Finance Tru.s t 200&-52

LewtanDeaiName

Sank of New York

1730035940

CHASE 2007-Al

Chase Mortgage Finance Trust 2007-Al

Bank of New York

1190465323

CHASE 2007-54

Chase Mortgage Finance Trust 2007-54

Bank of New York

1846634720

CHASE 2007-54

Chase Mortgage Finance Trust 2007-54

Bank of New York

5B451350

CWALT 2004-14T2

Countrywide ALT 2004-14T2

Bank of New York

62501425

CWALT 2004-20T1

Countrywide ALT 2004-20Tl

Bank of New York

90406550

CWALT 2005-11CB

Countrywide ALT 2005-llCB

Bank of New York

915B6615

CWALT 2005-11CB

Countrywide ALT 2005-llCB

Bank of New York

92058B35

CWALT 2005-11CB

Countrywide ALT 2005-llCB

Bank of New York

89714502

CWALT 2005-16

Countrywide AlT 2005-16

Bank of New York

917BOB32

CWALT 2005-20CB

Countrywide ALT 2005-20CB

Bank ofNewYork

92615128

CWALT2005-27

Countrywide ALT 2005-27

Bank of New York

79627544

CWALT 2005-3CB

Countrywide ALT 2005-03C8

Bank of New York

110351421

CWALT2005-43

Countrywide ALT 200543

Bank of New York

114890560

CWAlT 2005-51

Countrywide ALT 2005-51

Bank of New York

111665575

CWALT2005·56

Countrywide ALT 2005-56

Bank of New YoJk

106106728

CWALT2005-5B

Countrywide ALT 2005-5B

Bank of New York

114850053

CWALT 2005-62

Countrywide ALT 2005-62

Bank of New York

t04S401n

CWALT2005-62

Countrywide ALT 2005-62 .

Bank of New York

105230579

CWALT 2005-63

Countrywide ALT 2005-63

Bank of New York

112'776914

CWALT2005-71

Countrywide AlT 2005-71

Bank of New York

121564271

CWALT 2005-76

CountryWide ALT 2005-76

Sank of New York

t06n6342

ONALT 2005-76

Countrywide AlT 2005-76

Bank of New York

130265480

ONALT 200&-33C8

Countrywide AlT 2006-33CB

Bank of New York

131941B82

CWALT 2006-39C8

Countrywide ALT 2006-39CB

Bank of New York

145009832

CWALT 2006-42

Countrywide ALT 200&-42

Bank of New York

146421206

CWALT 2006-43CB

Countrywide ALT 2006-43CB

Bank of New York

153855284

CWALT 2006-43CB

Countrywide ALT 200643CB

Bank of New York

124990972

CWALT 2006-6CB

Countrywide AlT 2006-06CB

Bank of New York

120461533

CWALT 2006-HY10

Countrywide ALT 2006-HY10
-- --- --

'

City of Richmond, Califomia

'

Trustee Exhibit A

Trustee

Loanld

Bloomberg Dea IName

LewtanDeaiName

Bank of New York

152246994

CWALT 2006·HY13

Cou ntrywlde ALT 2006-HY13

Bank of New York

116284608

CWALT 2006-QA1

Countrywide ALT 2006-0Al

Sank of New York

103169871

CWALT 2006-0Al

Countrywide ALT 2006-QAl

Bank of New York

135559340

CWALT 2006-0AlO

Countrywide AlT 2006-0AlO

Bank of New York

139711739

CWALT 2006-0AlZ

Countrywide ALT 2006-0A12

Bank of New York

139712763

CWALT 2006·0A12

Countrywide ALT 2006-0A12

Bank of New York

128712070

CWALT2006-0A12

Countrywide ALT 2006-0A12

Bank of New )'ork

139998777

CWALT 2000·0A17

Countrywide ALT 2006-0A17

Bank of New York

117526880

ONALT 2006-0A2

Countrywide ALT 2006-0A2

Bank of New York

152798299

CWALT2006·0A21

Countrywide All 2006-0A21

Bank of New York

138118747

CWALT 2006-0ClO

Countrywide ALT 2006·0C10

Bank of New York

141766506

CWALT 2006-0CS

Countrywide AlT 2006-QCS

BankofNewYork

143169373

ONALT 2006-0C8

Countrywide ALT 2006-QCS

Bank of New York

143390505

ONALT 2006-0CS

Countrywide ALT 2006-0C8

sank of New York

141198489

ONALT 2006-0C8

Countrywide ALT 2006-0CS

Bank of New York

156204417

ONALT 2007-11T1

Countrywide ALT 2007-11TI

Bank of New York

161820588

CWALT 2007-16CB

Countrywide ALT 2007-16CB

SankofNewYork

168836065

CWALT 2007-l7CB

Countrywide ALT 2007·17CB

I

Bank of New York

146428111

CWALT 2007·4CS

Countrywide ALT 2007·4CB

!

Bank of New York

149976803

CWALT 2007-8CB

Countrywide AlT 2007-8CB

Bank of New York

149821904

CWALT2007-HY4

Countrywide ALT 2007-HY4

Sank of New York

160503011

CWALT 2007-0H2

Countrywide ALT 2007-0H2

Bank of New York·

168526300

ONALT 2007-0H3

Countrywide ALT 2007-0H3

Bank of New York

170243820

ONALT 2007.0H3

Countrywide ALT 2007.0H3

Bank of New York

368741.41

CWHL2004-7

Countrywide MBS 2004·7

Bank of New York

121022869

CWHL2005·31

Countrywide MBS 2005·31

Bank of New York

80981155

CWHL2005·9

Coantrywide MBS 2005-9

Bank of New York

130131104

CWHL2006-16

Countrywide MBS 2006·16

Bank of New York

151124282

ONHL 2006·19

Countrywide MBS 2006-19

Bank of New York

131573004

CWHL 2006·19

Countrywide MBS 2006-19

Bank of New York

156067321

CWHL 2006-20

Countrywide MBS 2006·20

City of Richmond, Caltfomla

Trustee Exhibit A

Trustee

Loanld

lewtanDeaiName

Bloomberg Dea !Name

Bank of New York

127603895

CWHL2006-9

Countrywide MBS 2006-9

Bank of New York

125196960

CWHL 2006-HYBl

C-ountrywide MBS 2006-HYB1

Sank of New York

168828443

CWHL 2007·11

Countrywide MBS 2007-11

Bank of New York

169083967

CWHL 2007-12

Countrywide MBS 2007-12

171003371

CWHL 2007-15

Countrywide MBS 2007-15

147234577

CWHL2007-2

Countrvwide MBS 2007-2

Bank of New York

158641490

CWHL2007·7

Countrywide MBS 2007-7

Bank of New York

165173585

CWHL2007·7

Countrywide MBS 2007-7

Bank of New York

177670383

CWHL 2007-HYG

Countrywide MBS 2007-H¥6

Bank of New Y.ork

131848431

CWHL 2007-HVB1

Countrywide MBS' 2007-HYS1

Bank of New York

155357087

CWHL 2007 -HY81

Countrywide MBS 2007-HYBl

Bank of New York

35500861

CWL2003-5

CounttyWide ASS 2003-05

Bank of New York

68002999

CWL2004-14

CounttyWide ASS 2004-14

Bank of New York
Bank of New York

Bank of New York

82011128

CWL 2004-BC4

Countrywide ABS 2004-BC4

Sank of New York

64886931

CWL 2004-ECCl

Countrywide ASS 2004-ECC1

Bank of New York

121468862

CWL2005-17

Countrywide ABS 2005·17

87038919

CWL2005-3

Countrywide ASS 2005·03

Bank of New York
Bank of New York

91660817

CWl2005-4

Couht,y.v!de ASS 2005:{)4

Bank of New York

111821486

CWL 200S·AB4

Countrywide ABS 2005-AB4

Bank of New York

112017955

CWL 2005·AB4

Countrywide ABS 2005-AB4

Bank of New York

115877156

CWL ~005-ABS

Countrywide ABS 200S-AB5

Bank of New York

140376168

CWL2006-13

Countrywide ABS 2006,13

Bank of New York

128639261

CWL2006-14

Countrywide ABS1006·14

Bank of New York

140640723

CWL2006-16

Countrywide ABS 2006-16

Bank of New York

138118947

CWL2006-18

Countrywide ASS 2006-18

Bank of New York

138733007

CWL2006-19

Countrywide ASS 2006-19

Bank of New York

138733351

CWL2006-20

Countrywide ABS 2006-20

Bank of New York

151116447

CWL2006-22

Countrywide ABS 2006-22

Bank of New York

131907566

CWL2006-24

Countrywide ABS 2006-24

Bank of New York

151897254

CWL:2006-26

Countrywide ABS 2006·26

Bank of New York

145423667

CWL2006-26

Countrywide ASS 2006-26

City of Richmond, California

I
I
!

I

"
Trustee Exhibit A

Trustee

loanld

Bloomberg Dea IName

LewtanDeaiName

Bank of New York

123046953

CWL2006-3

Countrywide ABS 2006-03

Bank of New York

135467170

CWL2006-BC4

Countrywide ABS 2006-BC4

Bank of New York

178563736

CWL2007-13

Countrywide ASS 2007-13

Bank of New York

156187391

CWL2007-3

Countrywide ABS 2007-3

Bank of New York

149372479

CWL2007-5

Countrywide ABS 2007-5

I

Bank of New York

156274328

CWL2007- 5

Countrywide ABS 2007-5

!

Bank of New York

158291840

CWL2007-7

Countrywide ABS 2007-7

I

Bank of New York

149483677

CWL2007-8

Countrywide ABS 2007-8

Bank of New York

165777756

CWL 2007-BC3

Countrywide ABS 2007-BC3

I
!

I
I

-'
'

Bank of New York

55490239

FHAMS 200HA9

First Horizon Mortgage Pass-Through Trust 2005-FA9

Bank of New York

57840753

FHAMS 2006-AAA

First Hori~on Alternative Mortgage Securities Trust 2006-AA4

Bank of New York

57807083

FHAMS 2006-FA4

Arst.Horl~on Alternative Mortgage Securities Trust 2006-FA4

City of Richmond, California

i

Trustee Exhibit A

Trustee

Loanld

Parcel Number

House
Number

Bank of New York

1765493317

5192100179

544

Street
Suffix

Unit
Value

MCLAUGHLIN

Plus 4

RICHMOND

ST

CASRillO NORTE

Unit

Zip
94805

1947

RICHMOND

Street Name

Dlr.

94803

3877
2409

City

Bank of New York

1844561126

4321920110

5537

Bank of New York

1730035940

5192400058

5215

S
ILVA

AVE

RICHMOND

94805

Bank of New York

1190455323

4334310036

20B

PIONEER

cr

RICHMOND

94803

2648

Bank of New York

1846634720

5561520023

6B

IDAHO

ST

RICHMOND

94801

4045

Bank of New Yorl<

5B451350

5181120022

677

37TH

ST

RICHMOND

94805

1776

Bank of New York

62501425

5230120247

1076

MCLAUGHU~

ST

RICHMOND

94805

1044

Bank of New York

90406550

5130350118

3014

CENTER

AVE

RIOiMOND

94804

3063

Bank of New York

91586615

51506000"46

637

27TH

ST

RIOiMOND

94804

1505

Bank of New Vorl<

92058835

5440820073

228

20TH

ST

RICHMOND

94804

2710

Bank of New York

897.14502

517·1300014

463

44TH

ST

RICHMOND

94805

2329

Bank of New York

91780832

4311310108

2618

SHELDON

DR

RIOiMOND

94803

2317

Bank of New York

92615128

5270320046

1524

HAYES

ST

RICHMOND

94806

4809

Bank .o f New York

79627544

5262400210

2911

HUMPHREY

AVE

RICHMOND

94804

1117

94805

1753

s

Bank of New York

110351421

5182800119

615

35TH

ST

RICHMOND

Bank of New York

114890560

5302800163

1333

LINCOLN

AVE

RICHMOND

94801

2327

Bank of New York

111665575

4311000295

2912

CINDY

cr

RICHMOND

94803

3230

Bank of New York

106106728

4055200242

3770

NORTHRIDGE

DR

RICHMOND

94806

5269

Bank of New York

114850053

5242700093

3423

CLINTON

AVE

RICHMOND

94805

1722

Bank of New York

104540177

5342720033

517

2ND

ST

RICHMOND

94801

2603

Bank of New York

105230579

5133960087

5020

FRAY

AVE

RICHMOND

94804

4375

Bank of New York

112776914

SZ82900116

723

30TH

5T

RICHMOND

94804

1405

Bank of New York

121564271

5134030468

4508

BELL

cr

RICHMOND

94804

4310

Bank of New York

106726342

5192310109

473

MOUNT

ST

RICHMOND

94805

2405

Bank of New York

130265480

5403100018

1102

CHANSLOR

AVE

RICHMOND

94801

3546

Bank of New York

131941882

4056901178

1050

SUMMER

LN

RIOiMONO

94806

2088

Bank of New York

145009832

5080900243

1332

MARIPOSA

ST

Rla-tMOND

94804

4935

Bank of New York

146421206

5240400100

957

36TH

ST

RICHMOND

94805

1316 1

Bank of New York

153855284

5380410109

455

2ND

ST

RICHMOND

94B01

2910

1

Bank of New York

1249909n

5151400172

560

CIVIC CENTER

ST

RICHMOND

94804

1613

I

Bank of New York

120461533

4056000187

3325

PARK RIDGE

RICHMOND

94806

5817

City of Richmond, California

__

.....£~

.

I

'
Trustee Exhibit A

Trustee

Loanld

Parcel Number

House
Number

Bank of New York

152246994

5605900223

20

Bank of New York

116284608

4352220224

2191

Bank of New York

103169871

5440920048

226

Ballk of New York

135559340

5605200368

1201

BRICKYARD

Baflk of New York

139711739

5182900190

612

35TH

Bank of New York

139712763

5201220018

676

YUBA

Ba1k of New York

128712070

5404800970

326

MARINA

Dlr,

Street Name

Street
SuffiJ<

Unit

Unit
Value

I

City

Zip

Plus4
7467

!

3219

i

2626

DE£P WATER

RICHMOND

PYRAMID

s

CT

DR

RICHMOND

94804
94,803

16TH

ST

RICHMOND

94804

WAY

RICHMOND

94801

4141

ST

RICHMOND

94805

1754

ft\PT

218

ST

RICHMOND

94805

1567

WAY

RICHMOND

94801

3208

Bank of New York

139998777

5182700236

628

33RD

ST

RICHMOND

94804

1538

Ba'lk of New York

117526880

4055400404

3916

SELMI

GR
V

SAN PABLO

94806

1863

Bank of New York

152798299

5132370023

5008

NUNN

ST

RICHMOND

94804

4342

Bank of New York

138118747

5141100213

418

21ST

ST

RICHMOND

94801

3304

Bank of New York

141766506

5152200142

430

27TH

RICHMOND

94804

1729

Bank of New York

143169373

5291400165

1527

GARVIN

ST
AVE

RICHMOND

94801

2427

Bank of New York

143390505

5301700141

1405

HELUNGS

AVE

RICHMOND

94801

2394

Bank of Ne\v York

141198489

5340220044

866

6TH

ST

RICHMOND

94801

2215

Bank of New York

156204417

5581850038

367

WESTERN

DR

RICHMOND

94801

3754

Bank of New York

161820588

5142600104

653

20TH

ST

RICHMOND

94801

2868

Bank of New York

16883 6065

5093900123

886

CARLSON

BLVD

RICHMOND

94804

4643

Bank of New York

146428111

5100810547

5223

CENTRAL

AVE

RICHMOND

94804

5805

Bank of New York

149976803

5142500130

2017

ROOSEVELT

AVE

RICHMOND

94801

3348

Bank of New York

149821904

4313020267

3465

FLEETWOOD

DR

RICHMOND

94803

2045

Bank of New York

160503011

5170600216

4220

ROOSEVELT

AVE

RICHMOND

94805

1857

Bank of New York

168526300

5082510016

1546

SANTA CLARA

ST

RICHMOND

94804

5037

Bank of New York

170243820

5605900470

66

SEA ISLE

DR

RICHMOND

94804

7470

Bank of New York

36874141

4056400494

862

MULBERRY

CT

RICHMOND

94806

6114

Bank of New York

121022869

4056000229

3317

PARK RIDGE

DR

RICHMOND

94806

5817

Bank of New York

80981155

4055600334

713

LEGENDS

PL

RICHMOND

94806

1899

Bank of New York

130131104

4334320175

1282

FASCINATION

CIR

RICHMOND

94803

2651

Bank of New York

151124282

4053410256

3609

RIDGEWOOD

WAY

R
ICHMOND

94806

1943

Bank of New York

131573004

5241100113

2919

GARVIN

AVE

R
ICHMOND

94804

1352

Bank of New York

156067321

5605900090

15

BAY HARBOR
---

CT

RICHMOND

94804

7465

City of Richmond, Califomia

I
I

Trustee Exhibit A

House
Number

Trustee

Loanld

Parcel Number

Bank of New York

127603895

5606200490

68

Bank of New York

125196960

5190100015

4920

Bank of New Y.ork

168828443

5606200268

Bank of New Yo.rk

169083967

5607000733

Dir.

Street Name

Street
Suffix

Unit

Unit
Value

City

Zip

Plus 4
4518

SANDPOINT

DR

RICHMOND

94804

CLINTON

AVE

RICHMOND

94805

1418

74

HARBOR VIEW

DR

RICHMOND

94804

7499

2065

NORTHSHORE

DR

RICHMOND

94804

2582
5216

Bank of New York

171003371

5070400253

1718

BUTIE

ST

RICHMOND

94804

Bank of New York

147234577

4322220130

5311

COUNTRY VIEW

DR

RICHMOND

94803

3893

Bank of New York

158641490

4055500385

3951

SELMI

GRV

RICHMOND

94806

1867

Bank of New York

165173585

5070400212

1806

BU:ITE

Bank of New York

177670383

4321120216

4949

WAGON WHEEL

Bank of New York

131848431

40569.00162

2844

HilLTOP MAlL

Bank of New York

155357087

4143600031

3744

ST

RICHMOND

94804

5218

WAY

RICHMOND

94803

3820

RD

R
ICHMOND

94806

2100

\!lA VERDI

R
ICHMOND

94803

2741

DR

RICHMOND

94803

1239

Bank of New York

35500861

4263000277

999

PARKSIDE

Bank of New York

68002999

53403_
20190

829

10TH

ST

R
ICHMOND

94801

2281

Bank of New York

82011128

4055600037

757

ROCK ROSE

WAY

R
ICHMOND

94806

1894

Bank of New York

64886931

5133840057

4611

TAFT

AVE

RICHMOND

94804

3493

Bank of New York

121468862

4143210153

4070

MOZART

DR

ELSOBRANTE

94803

2748

COMM ODORE

OR

RICHMOND

94804

7418

35TH

RICHMOND

94804

3226

SWEEiWOOD

ST
DR

RICHMOND

94803

2523

RICHMOND

94801

2270

Bank of New York

87038919

5605500353

314

Bank of New York

91650817

5131640079

319

Bank of New York

111821486

4312110085

4928

Bank of New York

112017955

5340820223

701

6TH

ST

Bank of New York

115877156

5302300073

1914

HELliNG$

AVE

RICHMOND

94801

4204

Bank of New York

140376168

5491'600069

2725

MARTIN LUTHER KJNG JR

AVE

RICHMOND

94804

4038

Bank of New York

128639261

5151000089

609

29TH

ST

RICHMOND

94804

1521

Bank of New York

140640723

5132930073

4610

ESCUELA

CT

RICHMOND

94804

4390

Bank of New York

138118947

5133820059

250

47TH

ST

RICHMOND

94804

3422

Bank of New York

138733007

5101530011

5434

SACRAMENTO

AVE

RICHMOND

94804

5602

Bank of New York

138733351

5290700227

2101

GAYNOR

AVE

RICHMOND

94801

4200

Bank of New York

151116447

5290800050

1828

ESMOND

AVE

RICHMOND

94801

2531

Bank of New York

131907566

4056600556

5332

HASKEL

CT

RICHMOND

94806

5896

Bank of New York

151897254

4140310022

2934

GROOM

DR

RICHMOND

94806

2643

Bank of New York

145423667

524i900157

3701

GARVIN

AVE

RICHMOND

94805

1738

s

s

City of Richmond, California

APT

4

1