A FACE-TO-FACE MEETING

Mr. Michael J. Meehan                                                                                              Dated: February 20, 2012
BLANK ROME, LLP                                                                                                   President’s Day
One Logan Square
130 North 18th Street                                                                                                Certified Mail Number:
Philadelphia, Pennsylnia 19103-6998                                                                       7011-2970-0000-6347-4045

Subject: A FACE-TO-FACE MEETING

Dear Mr. Meehan,

“Fairness is a major concern,” so said Mr. Brian T. Moynihan, CEO of Bank of America last year. If you care to browse “google,” you and your colleagues will instantly realize that Bank of America is not being looked at favorably by many distressed American homeowners, let alone brag about the word “Fairness.” Tragic isn’t it?

My family’s struggle, for seeking redress to certain problems, with Bank of America dates back to March 2009. It has indeed caused a lot of pain, misery and suffering given that I am a heart patient and not to mention that going through all the frustrations and aggravations to obtain the so-called “Home Loan Modification” has triggered a frozen shoulder right before my 60th birthday.

Your letter dated November 2, 2011 was not responded as we just did not felt like going through another round of communication with Bank of America always coming back to square one position. The truth of the matter is, after receiving an absolutely unfair “Temporary Trial Modification,” we were not in any mood to communicate. Having said this, I find it quite interesting that you and your law firm have chosen to specifically address our letter dated August 6, 2011 with a pointed reminder as follows:

“The remainder of your requests are declined, as they seek information and/or documentation
beyond that which isn’t available through a request for verification of debt made under 15 U.S.C.
1692g or a “qualified written request” made under 12 U.S.A. 2605g.”

Well, Mr. Meehan, we “The Lodhias” are a simple and ordinary American family who possess a little common sense. We are glad that you raised the three important words, that is, “Qualified Written Request.” It is truly surprising to note that since March 28, 2009, we “The Lodhias” have been given a run around by Bank of America, and to be quite candid, no one bothered to reflect upon Section 6 of “RESPA” which explicitly states as follows:

 “Secton 6 protects homeowners against abuses in connection with the servicing of home loans.
If a borrower has a problem with the servicing of a loan and contracts the loan servicer in
writing to describe the complaint, Section 6 requires the servicer to acknowledge the receipt of
the complaint in writing within 20 business days of receipt. Within 60 days thereafter, the
servicer must resolve the complaint, either by taking action to address the issues raised in the
complaint or giving the reason for its refusal to do so. Borrowers should make sure to continue to
make all required payments until the complaint is resolved. If a servicer violates Section 6, the
aggrieved borrower may being a private lawsuit. If there is a large enough group of borrowers who
have been victimized by the same servicer, those borrowers may bring a class action suit. Borrowers
who have been harmed by a servicer’s violation of Section 6 may obtain actual damages, as well as
additional damages if there is a pattern of noncompliance.”

Granted that we in the United States of America are going through tough economic times, and not to mention, major banks are finding it hard to cope up with responding to countless American homeowners, who are in a dire need of “Home Loan Modification” in a timely manner. Therefore, to what extent Section 6 of “RESPA” will apply can only be answered by those who are well versed in such legal matters. Merely glancing at our letter dated July 7, 2011 addressed to Mr. Bhagiya Goonetilleke (Buggy), you will clearly notice that computer generated notices from Bank of America were mailed without complete response in writing within the sixty (60) days period. The truth of the matter is, most of the “Customer Relationship Personnel” at Bank of America are not allowed to communicate via emails. The instructions set forth to all is to engage customers only on the phone and to give nothing in writing. I reckon such a rule by itself violates the spirit of Section 6! Note that in our letter (attached), we listed eleven (11) notices dating back to December 9, 2009, and I would further like to take liberty to mention three more notices as follows:

June 24, 2011 – You expect a complete response within twenty (20) business days.

August 11, 2011 – You can expect a complete response within twenty (20) business days.

August 12, 2011 – You can expect a complete response within twenty (20) business days.

“Blind Folded Actions & Decisions” have undoubtedly managed to trigger a whole lot of grief to many of Bank of America’s customers including “The Lodhias” who have been one for the past twenty (20) years. Your respective law firm can continue to take the same old stand that the current owner of the note is Wells Fargo Bank, N.A., f/k/a Wells Fargo Bank Minnesota, N.A., as Trustee for the Certificate Holders of  Bank of America Mortgage Securities, Inc., Mortgage Pass-Through Certificates, Series 2003-9, which has an address at 7080 Samuel Morse Drive, Columbia, Maryland 21045. However, we beg to differ with such a statement owing mainly to Bank of America being highly reluctant to reveal the name of the “Investor.” If you care to read “A Written Appeals By An American Homeowner To Bank of America,” which is twenty (20) pages of sentences extracted from all of our past communication since March 28, 2009, then you will surely be alarmed at the intensity of the humane appeals and how Bank of America basically ignored all of our earnest pleas. Little wonder that there are “Class Action Lawsuits” filed against Bank of America.

Trust me, we “The Lodhias” are just one amongst the many American homeowners who continue to appeal and re-appeal for “Fairness” in handling the “Home Loan Modification.” From the monthly payment of U.S. $ 3,100 per month, our monthly payment was raised to U.S. $ 4,973.81. Can you as a lawyer of Bank of America explain to “The Lodhias” who was the genius behind such calculation? 31% of gross income was tossed out in the air by another one of those blind decisions and nothing else. From all we know, one of Bank of America executives by the name of Bryan Cortez, whom we personally met at “Customer Outreach Event” on April 9, 2011 at around 8.30 a.m., pointedly informed us that the mysterious “Investor” will only be willing to modify the home loan if a minimum of U.S. $ 25,000 is paid ahead of time, and not only this, if U.S. $ 43,000 was paid up front, then Bank of America will assume the home loan on it’s own and take it away from Wells Fargo Bank.

Mr. Meehan, before you and your law firm go all-out to defend Bank of America, kindly allow us to shed light on a recent “Comedy of Errors.” Simply take a quick look at the following documents received from the bank:

October 4, 2011 – We recently received payment in the amount of U.S. $ 2,924.23. The total amount due after we applied your payment is $ 81,025.42.

October 25, 2011 – We recently received payment in the amount of U.S. $ 2,924.23. The total amount due after we applied your payment is $ 76,651.87.

October 28, 2011 – We recently received payment in the amount of U.S. $ 2,924.23. The total amount due after we applied your payment is $ 75,991.87.

December 29, 2011 – We recently received payment in the amount of U.S. $ 2,924.23. The total amount due after we applied your payment is $ 83,528.42.

October 23, 2011 – My name is Katara White and I’ve been assigned to you by Bank of America, N.A., your home loan servicer, as your dedicated customer relationship manager. Bank of America, N.A., has several programs designed to help homeowners who are having trouble making their monthly mortgage payment, and it’s possible that one could help you.

October 27, 2011 – My name is Vishal Dave and I am your new relationship manager at Bank of America, N.A., your home loan servicer. I will continue the work you started with your previous customer relationship manager with the same goal of pursuing every available option to assist you with your home loan.

October 31, 2011 – My name is Jenae Moore and I am your new customer relationship manager at Bank of America, N.A., your home loan servicer. I will continue the work you started with your previous customer relationship manager with the same goal of pursuing every available option to assist you with your home loan.

May I ask, “How can you and your law firm write a stern letter to American homeowners on behalf of Bank of America, Mr. Meehan?” You can be rest assured that we will send the copy of this very letter to Mr. Brian Moynihan and a few of his senior executives so that they can be apprised about their bank’s pathetic performance in “Customer Relationship.” Mr. Meehan, as a “Manufacturer’s Representative” for the past three decades, I have learnt to provide excellent service to customers. On the contrary, Bank of America does not care about how best to represent Wells Fargo Bank. It is truly a sad state of affairs and our documentation is enough of a proof showing “Indifference” towards one single homeowner, and probably worthy to be circulated to the U.S. media so as to expose “Blind Folded Decisions” on part of Bank of America in handling our nation’s mortgage crisis.

Thank Heavens that with the helping hands of relatives and friends, we “The Lodhias” have honored the three payments under “A Temporary Trial Modification.” We are planning to remit U.S. $ 3,100 per month temporarily, and also, subject to “Refinancing” our loan to help lower the monthly payments to reflect 31% of gross income. We repeat, there is no way we can afford to remit U.S. $ 4,973.81 per month. Home Loan Modification are meant to “Make Homes Affordable” and certainly not “Unaffordable,” period. It is very much apparent that in spite of our relentless appeals to modify our home loan, we are hit with an “Unfair” monthly mortgage to sign off on in order to get a final loan modification. Though, we are acutely aware that we are behind in our payments, and as such, we have offered to Bank of America to meet halfway provided that there is A FACE-TO-FACE MEETING at the branch near our home. Why not?

Recently, Eddie Martin, a senior vice president at the Bank of America says, “in terms of what customers have told us, the face to face time with our specialists is critical to make the process work.” Your law firm should thoroughly study our case and earnestly advise your client to give up on those clumsy notices which they mail to their respective customers, please! There is nothing more we desire than to wrap up this long pending matter by meeting with “A Loan Officer” of Bank of America in person. We repeat, in person only.

For the matter of record, on January 18, 2012, we received a letter from Jenae Moore, Customer Relationship Manager of Bank of America, Home Loan Team which included “Modification Summary” as well as a permanent “Modification Agreement,” with the newly modified monthly payment of U.S. $ 4,324.92. Of course, as a law firm representing Bank of America, you should encourage your client to at least be courteous to give us a solid reason for inflating the monthly mortgage payment instead of reducing them. Interestingly enough, a letter from Jenae Moore dated February 9th was received on the 13th. Truthfully speaking, I was absolutely shocked by reading the line – “Thank you again for taking the time to talk with me about your financial situation.” That’s just not true, Mr. Meehan.Jenae called and missed me, and in return, I called and missed her. That’s about all. It is truly amazing to note that Bank of America is so out of touch with their “Customers” that they can go to length to write such “A Deceptive Letter.” In fact, our response to Jenae has already been mailed with a letter consisting of a subject title, “Honesty Is The Best Policy” dated the 15th of February.

By the way, while we are demanding “Qualified Written Request,” it will also be in order to request Bank of America to release all the “Recorded Phone Conversations” held with “The Lodhias.” The last phone conversation held with Bhagiya Goonetilleke (Buggy) during the middle of September 2011 is significant as well, wherein, I expressed my sheer disappointment over the higher monthly payments and specifically informed him that such payments will force us to file for “Bankruptcy” as we will never be able to pay such a higher amount on a monthly basis. Buggy himself assured me that our modified figure will be based on 31% of the gross income, but it seems like the “Underwriter” discarded all of our earning figures and bumped up the monthly payments to U.S. $ 4,324.92. We have a right to suspect that the “Investor” played a role behind the scene. Such a verdict gives us an inkling that all such decisions are conducted either intentionally or blindly with absolutely no regards for the earning figures submitted to Bank of America and verified multiple times within a span of three to six months.

Imagine! After repeated demands by Bank of America to vigilantly see the “Proof of Earnings,” the end result turned out to be close to 40% increase in monthly payment versus the original mortgage amount of  U.S. $ 3,100 per month. We “The Lodhias” remain baffled as to why after all the scrutiny of earnings there was such a drastic increase reflected in our “Temporary Loan Modification”? Glancing at the website of “HUD – U. S. Department of Housing and Urban Development,” we found the actual meaning of the word “Affordability” as follows:

“The generally accepted definition of affordability is for a household to pay no more than 30
percent of its annual income on housing. Families who pay more than 30 percent of their income
for housing are considered cost burdened and may have difficulty affording necessities
such as food, clothing, transportation and medical care.”

http://www.hud.gov/offices/cpd/affordablehousing

Coming March will be three years, Mr. Meehan. We “The Lodhias” have done all we can to display “Good Faith” to good folks at Bank of America by first making half the payments and then being instructed not to pay for two months, and finally, the “Grossly Unfair” increase for the three months trial period, and that also, has already been honored by us. Daliah Brill, our Attorney-at-Law will have to take up this matter as we are afraid that Bank of America, being the mortgage servicer, is trying to protect itself by not fessing up to the harsh reality that “Modification” means to lower the monthly rates and not make it higher. No doubt, there still remains a whole lot of explanation to do, and based upon what we hear on “Mortgage Servicer’s Secret,” we remain appalled so to speak. Listen to the anchor, who eloquently summed it up as follows:

“So contrary to the conventional wisdom loans in default are in fact money makers.
So you can forget those catchy names “Hope Team” and “Mod Squad.” The reality
we see day in and day out is that these companies are not living up to all the P.R.
spin that they want to help avoid foreclosures.”

Nothing is more alarming than to read an article titled, “A Wells Fargo Loan Modification Victim Speaks Out in Protest” dated January 30, 2012., written by Carla Ghosn, Founder and CEO of “MyCaal.com”  reveals the crux of the problem while highlighting the case of Regine Grasberger and Wells Fargo. Carla wrote as follows:

“Wells Fargo has finally shared the identity of the private investor with her. It is known as Mortgage
Backed Securities, and this could be at least ONE of the reasons why she has not obtained a loan
modification. Mortgage backed securities companies have bought “credit default swaps” against
mortgages, including sub-prime mortgages. These credit default swaps operate like an insurance,
whereby the mortgage backed security would at least 100% refunded by the “insurance” of foreclose
occurs. So, they essentially have no motivation to provide a loan modification and take a small
loss, but prefer to recover the entire amount given in prior years.”

“Bank of America has earned a reputation among lawyers and housing advocates as among the hardest to deal with of the nation’s big mortgage servicers,” wrote Doyle McManus in his article, “The Home Loan Modification Mess” dated November 18, 2011. Mr. McManus article points out that Barbara Desoer, President of Bank of America Home Loans had to apologize at the hearing of the Senate Banking Committee for all of Bank of America’s “Sloppy Performance” in handling the mortgage crisis. So the question of the day is, “Who is responsible in Bank of America?” Believe it or not, not one single officer and/or executive can make an intelligent decision that relates to the “Home Loan Modification.” Henceforth, our practical and reasonable suggestions are as follows:

1. Bank of America should dedicate “A Loan Officer” to meet with “The Lodhias” in person.

2. Bank of America should offer “A Refinancing Option” with the current rate of interest prevailing across the country.

3. Bank of America should reveal the identity of the “Investor” just as Mary Smith got hers owing to her law firm (Trepo Law Corporation) demanding it. Her law firm was given the call logs of her calls, transcript of all verbal agreements and a recalculation statement by Bank of America. (Article titled: Rare Loan Modification Helps Day Care Provider Save Home dated January 30, 2012 – loansafe.org)

4. Bank of America must act “Honorably” and release all the call logs held between Mohammed R. Lodhia and all the officers of Bank of America since the year 2009, and especially, the last six or seven phone conversations held with Bhagiya Goonetilleke (Buggy) between July 2011 and September 2011.

5. Bank of America should justify and give a written statement as to how they increased the monthly mortgage payment the “Home Loan Modification” application of Loan No:872195598? Whilst Mary Smith’s trial modification reduced her monthly payments by 42%, then one wonder why did ours went up by 40%?

6. Bank of America “Loan Modification Agreement” dated January 18, 2012 (attached) does not mention Wells Fargo Bank, N.A., f/k/a Wells Fargo Bank Minnesota, N.A., as Trustee for the Certificate Holders of Banc of America Mortgage Securities, Inc., Mortgage Pass-Through Certificates, Series 2003-9. Even in your letter dated November 2, 2011, you mentioned that the current owner of the note is Wells Fargo Bank, N.A. May we ask, “Why was the name of Wells Fargo omitted from the agreement?” If Bank of America is acting as a “Mortgage Servicer” then why be reluctant to mention the name of Wells Fargo in black and white?

7. Bank of America states that, “The name of the creditor to whom the debt is owed: WELLS (BOAMS 2003-9).” Can your law firm find out as to what date the transfer of deed took place? When did Bank of America transferred the “Security Deed” to Wells Fargo Bank, N.A. f/k/a Wells Fargo Bank Minnesota, N.A.? Mr. Meehan, this question was not answered by Messrs. Shupping, Morse & Ross, LLP., therefore, we are asking you and your law firm the same question given that Wells Fargo could possibly forclose on our home if and when Bank of America fouls up in servicing the loan.

All said and done, we “The Lodhias” are not going to live through another nightmare. Thus far, we have managed to stop “Four Foreclosures” and do not want to see another notice of foreclosure proceedings coming from Messrs. Shuping, Morse & Ross, LLP. It will be justified to give credit to Bank of America who have worked with us to help stop these foreclosures. Our close relatives and friends are willing to help us to “Refinance” our home loan with Bank of America. Henceforth, instead of flatly declining to answer our concerns, it will be in your law firm’s best interest to caution your valued client, Bank of America to stop “Bankrupting America,” or should we say, American homeowners. Most importantly, if we are pushed again in a corner, then it will be Bank of America who will compel us to take protection under Chapter 13. If such be the case, then we “The Lodhias” will hold Bank of America responsible to pay for all the damages and legal fees of Daliah Brill, P.C. Before all the legal penmanship is carried on, please be reminded of the very words of Mr. Brian T. Moynihan, “Fairness is a major concern.” It sure is, and we are more than confident that you and your respective colleagues at Blank Rome, LLP., will be fair to take a closer look at the mistreatment by Bank of America towards it’s long time customer. After all, no U.S. major banks are above the law. Agreed!

Talking about fairness, even the recent “$ 25 Billion Settlement” does not take into account the case of distressed American homeowners who have lived in the same house for more than twenty (20) years. It is quite apparent that the “Politicians” and “Legislatures” conveniently forgot to give “First Priority” to those homeowners with a proven track record of stability of living in the same house for more than two decades. Undoubtedly, bad times have fallen upon many in these days and times, but still there are those who have lived and invested in the same house, do deserve a break by way of a fair “Home Loan Modification” which can make it easier to pay the monthly mortgage payments. Needless to say, we “The Lodhias” are immensely pleased that many complaints by American homeowners will finally be addressed by our nation’s largest mortgage servicers; one of them being Bank of America.

“Welcome to the fairness era,” was the verdict given by The Wall Street Journal but with a slight twist. In other words, they totally ignored the reality of an unforgivable act on part of the big banks towards their “Customers.” The New York Times editorial opined that an important form of relief is “Refinancing.” It’s about time that some sort of “Fairness” will be in play to help the American homeowners. Our nation’s two most popular newspapers have already expressed their respective opinions in their respective editorial columns as follows:

The Wall Street Journal – February 10, 2012

Review & Outlook – $ 25 Billion Bank Job

“At least 10 billion will go toward principal reduction for delinquent borrowers
or those on the brink of foreclosure with loans issued by private lenders. In other
words, Washington is taking money from bank shareholders and investors in mortgage-
back securities, who will see the value of their holdings fall, and giving to people
who aren’t paying their bills. Welcome to the ‘fairness’ era.”

The New York Times – February 11, 2012

Editorial – What Homeowners Need Now

“The best solutions are loan modifications that reduce principal balances because
a lower overall debt burden both restores equity and reduces monthly payments.
But the settlement will help only a small slice of the millions of Americans who
are behind in their payments and in or near foreclosure, or the many millions more
who are current but “underwater” and at high risk of default.”

Mr. Meehan, all of these grievances towards Bank of America simply imply that “Irresponsible Behavior” has prolonged a proper handling of the “Home Loan Modification” process for millions of American homeowners. Since 2003, we “The Lodhias” comfortably paid U.S. $ 3,100 per month, till the U.S. economy went downhill. Ours was not the case of granting mortgage on home that we cannot afford, but the reality is that hard times hit us just like it did many American homeowners, and we were not able to pay the original amount owing mainly due to the “Reduced Household Earnings.” Let us assure you that we are not unemployed either. Honestly speaking, we have lived in our house since 1986 and we intend to fight all the way through to retain it. All Bank of America executives need to do is to step out of the closed doors and meet with their own customers, especially, those who have been banking with them for the past twenty (20) years.

Last but not the least, it will be in the best interests of all the senior executives of the major U.S. banks, to attentively reflect upon the speech of President Barack H. Obama, delivered to Northern Virginia residents at James Lee Community Center in Falls Church, Virginia on the 1st day of February in which he also emphasized on the two key words, “Fairness & Responsibility.” A few excerpts from his persuasive speech to revitalize the current housing market are reproduced as follows:

But what’s at stake is more than just statistics. It’s personal. I’ve been saying that this is a make-or-break moment for the middle class. And this housing crisis struck right at the heart of what it means to be middle class in America: our homes — the place where we invest our nest egg, place where we raise our family, the place where we plant roots in a community, the place where we build memories.

It’s personal. It affects so much of how people feel about their lives, about their communities, about the country, about the economy. We need to do everything in our power to repair  the damage and make responsible families whole again. Everything we can.

Today, I’m also proposing a Homeowners Bill of Rights — one straight forward set of common-sense rules of the road that every family knows they can count on when they’re shopping for a mortgage. No more hidden fees or conflicts of interest. No more getting the runaround when you call about your loan. No more fine print that you used to get families to take a deal  that is not as good as the one they should have gotten. New safeguards against inappropriate foreclosures. New options to avoid foreclosure if you’ve fallen on hardship or a run of  bad luck. And a new, simple, clear form for new buyers of a  home.

Now, think about it. This is the most important purchase a family makes. But how many of you have had to deal with overly complicated mortgage forms and hidden clauses and complex terms?

Americans making a down payment on their dreams shouldn’t be terrified by pages and pages of fine print. They should be confident they’re making the right decision for their future.

As much as our economic challenges were born of eroding home values and portfolio values, they were also born of an erosion of some old-fashioned American values.

An economy that’s built to last, that’s on a firm foundation, so that middle-class families have a sense of security and those who want to get in the middle class can make it if they’re working hard — that demands responsibility from everyone.

Government must take responsibility for rules that are fair and fairly enforced. Banks and lenders must be held accountable for ending the practices that helped cause this crisis in the first place. And all of us have to take responsibility for our own actions — or lack of action.

president-obama-speaks-helping-homeowners

Respectfully yours,

Mohammed Rafiq Lodhia
Loan No: 872195598

http://bankruptingamerica.tumblr.com

COPIES OF THIS LETTER MAILED TO:

____________________________________________________________________________

Mr. Brian T. Moynihan
President & CEO
BANK OF AMERICA
100 N. Tyron Street
Charlotte, NORTH CAROLINA 28255

Certified Mail No: 7011-2970-0000-6349-1400

____________________________________________________________________________

Barbara J. Desoer
President
HOME LOANS OF BANK OF AMERICA
450 American Street
Simi Valley, CALIFORNIA 93065

Certified Mail No: 7011-2970-0000-6349-1417

____________________________________________________________________________

Mr. Shaun Donovan
Secretary
U. S. DEPARTMENT OF HOUSING & URBAN DEVELOPMENT
451 7th Street, S.W.
Washington D.C. 20410

Certified Mail No: 7011-2970-0000-6349-1424

____________________________________________________________________________

Mr. Richard Cordray
Director
CONSUMER FINANCE PROTECTION BUREAU
1500 Pennsylvania Avenue
(Attn: 1801 L Street)
Washington, D.C. 20220

Certified Mail No: 7011-2970-0000-6349-1448

____________________________________________________________________________

Mr. Eric Schneiderman
New York Attorney General
OFFICE OF THE ATTORNEY GENERAL
The Capitol
Albany, NEW YORK 12224-0341

Certified Mail No: 7011-2970-0000-6349-1455

____________________________________________________________________________

Mr. Sam Olens
Georgia Attorney General
OFFICE OF THE ATTORNEY GENERAL
40 Capitol Square, SW
Atlanta, GEORGIA 30334

Certified Mail No: 7011-2970-0000-6349-1462

____________________________________________________________________________

Mr. Greg McElroy
Senior V.P. of Mortgage Servicing
BANK OF AMERICA
450 American Street
Simi Valley, CALIFORNIA 93065

Certified Mail No: 7011-2970-0000-6349-1479

____________________________________________________________________________

Mr. Dan B. Frahm
V. P. Corporate Communications
BANK OF AMERICA
4500 Park Granada
Calabasas, CALIFORNIA 91302

Mail Stop: CA7-910-03-25
Certified Mail No: 7011-2970-0000-6349-1493

____________________________________________________________________________

Mr. Eddie Martin
Senior Vice President
BANK OF AMERICA
100 N. Tyron Street
Charlotte, N. CAROLINA 28255

Certified Mail No: 7011-2970-0000-6349-1509

____________________________________________________________________________

Vickie Rowe
Ligitation Specialist
BANK OF AMERICA HOME LOANS
400 National Way
Simi Valley, CALIFORNIA 93065

Mail Stop: C6-919-02-22
Certified Mail No: 7011-2970-0000-6349-1547

____________________________________________________________________________

Mr. Carlos Marcelo Escobar
VIP Negotiator
BANK OF AMERICA
4500 Park Granada
Calabasas, CALIFORNIA 91302

Mail Stop No: CA7-910-03-25
Certified Mail No: 7011-2970-0000-6349-1516

____________________________________________________________________________

Mr. Bhagiya Goonetilleke (Buggy)
Negotiator
BANK OF AMERICA
275 Valencia Avenue
Brea, CALIFORNIA 92823-6340

Mail Stop: CA7-701-01-45
Certified Mail No: 7011-2970-0000-6349-1523

____________________________________________________________________________

Jenae Moore
Customer Service Representative
BANK OF AMERICA
450 American Street
Simi Valley, CALIFORNIA 93065

Mail Stop: CA6-921-01-09
Certified Mail No: 7011-2970-0000-6349-1530

____________________________________________________________________________

Mr. Monroe Austin
Vice President
BANK OF AMERICA
5500 Peachtree Parkway
Norcross, GEORGIA 30092

Personally Delivered

____________________________________________________________________________

Mr. S. Andrew Shuping, Jr.
SHUPING, MORSE & ROSS, LLP
6259 Riverdale Road
Suite 100
Riverdale, GEORGIA 30274

Certified Mail No: 7011-2970-0000-6347-3505

____________________________________________________________________________

Daliah Brill – Representing “The Lodhia Family”
DALIAH BRILL, PC
1275 Peachtree Street, N.E. – Suite 525
Atlanta, GEORGIA 30342

Phone: 678-461-7770
Fax: 678-461-8906
Email: dbrill@dbrill.com

Personally Delivered

____________________________________________________________________________

Todd Pendley
HOMES OUR WAY, LLC
1557 Trilogy Park Drive
Hoschton, GEORGIA 30548-1732

Personally Delivered