Additional Comments:

THIS TRIAGE REPORT CARD CAN BE FULLY CUSTOMIZED TO SUIT YOUR BUSINESS The borrower's narrative is considered

to be critical, to determine if he was the

target of predatory financing based upon

Servicer discrimination. The Underwriter asks

that the borrower disclose how he came

to use the services of Eagle Home Mtg.,3. BORROWER NARRATIVE the type of loan he was seeking, details 4. COPY OF MORTGAGE regarding his illness, and whatever 5. COPY OF FINAL HUD-1 treatments he might have been 6. 2ND LIEN DOCUOMENTS IF receiving, and the lender's level of

awareness of his condition when the

loan was originated and closed.

The Underwriter needs to understand if

the borrower received the loan type he

originally sought; if the mortgage broker

or loan officer "sold" him this loan over,

a more stable product, if his closing fees

were higher than he anticipated, or if

there was any aspect of his loan product

or closing that was a "surprise."

The Underwriter seeks to know if the

loan officer fully explained the loan

product the borrower received, and

the borrower's capacity to repay the

debt over the course of time.

THIS TRIAGE REPORT CARD MAY BE FULLY CUSTOMIZED TO INCLUDE YOUR COMPANY’S INFORMATION, LOGO AND COLORS.

The TRIAGE REPORT CARD represents an initial review of a borrower's mortgage transaction. The purpose of the Triage is to determine if a borrower was targeted for a predatory financing

YOUR LOGO HERE due to discrimination. The triage report card is designed to assist the borrower's legal representative to determine if a borrower is a potential candidate to lodge a FAIR HOUSING COMPLAINT

with the US Department of HUD.

TRIAGE REPORT / BRIEF DESCRIPTION OF DOCUMENTED FINDINGS:The results of this initial triage are limited due to lack of documentation. The auditor could not calculate the borrower's back debt ratios or determine several aspects of the terms of the Note as the document was not available for review. The documents used to perform the initial review were the Rider to the Mortgage, the TIL, the lender's underwriting approval and the loan application. Based upon an inspection of these documents, the reviewer was ableto ascertain that the lender granted a loan totaling $931K without verifying the borrower's capacity to repay the debt.

It is the understanding of the reviewer that the primary borrower was ill when the mortgage was originated. While the full extent of the borrower's illness is not known, the borrower may have been considered to have been "disabled" at the time the loan was taken out, and as a result, the borrower may have been targeted for predatory financing. It is clear that the lender based their credit decision upon factors that did not include a careful analysis of the borrower's employment, income or assets. Such a lack of due diligence is alarming, and gives rise to concerns that the lender, cynically, granted the loan to the borrower feeling that granting creditwas a "win/win" situation, i.e., the lender or investor could always foreclose and make a considerable profit if the loan lapsed into default. Additionally, the "lender," Eagle Home Mortgage, LLC, originated the loan as a forwardcommitment. Per the Baylee letter provided in the credit file, the loan was intended to be sold to Countrywide upon closure. As the "lender" used funds from a warehouse line, and sold the loan before it even closed, the lenderhad no investment, whatsoever, in the loan's future performance. The loan was originated as in Interest Only ARM, whose payments were "fixed" for a limited number of years, and whose terms effectively shortened the actual amortization period of the loan from 30 to 23 years. The Rider to the Mortgage also reflects that the borrower's maximum interest rate could increase to 11.750%. If it is determined that the borrower was disabled when the loan closed, the borrower may have been subjected to discrimination, predatory targeting and bias.

1st Lien

Your Company Name Here

Your Address • Your Phone Number • Your Fax Number • Your Email Address

RECOMMENDATIONS

Property Address

City, State, Zip Code

Number of Units

Property Type

1. NOTE

1,324.00

$15,436.00

LENDER DID NOT CALCULATE

LENDER DID NOT CALCULATE

LTV / CLTV

P&I Per Note / Max P&I

P&I (Fully Amortizing)

Taxes / Insurance / HOA

Consumer Credit Debt

Lender Back Debt Ratio

Actual Housing Ratio

Actual Back Debt Ratio

123 MAIN STREET

Loan Amount $

Estimated Value $ 6560 / 18000 = 36.44%

ANY.

5,236.88

Loan Purpose

SEATTLE, WA 98112

Lender Housing Ratio

LOAN INFORMATION ATCLOSING DOCUMENTS NEEDED TO PERFORM FULL ANALYSIS

Assets

Occupancy

21906 / 18000 = 121.7%

LENDER DID NOT CAPTURE

PRIMARY RESIDENCE

2.0000%

N/A

Loan Term Months

Loan Term in Years

Amortization Term

Prepayment Penalty

Hard / Soft / Hybrid

Max. % Per Change

PAYMEN TCAP

Note Rate %

Teaser Rate %

Rate Floor %

Rate Ceiling %

3/30/2007

HUD REQUIRED

5/1/2007

4/1/2014

NOTE REQUIRED

Funding Date

1st Pay Date

1st Rate Change Date

1st Pay Change Date

Maturity Date

Loan Product

Application Date

Closing Date

is supported, overall.

Look Back

Neg Amortization

Pay Option Feature

Interest Only Feature

RATIOS.

2. BORROWER MAY HAVE BEEN

TARGETED FOR PREDATORY

FINANCING DUE TO POSSIBLE

DISABILITY.

1st Lien

NOTE REQUIRED TO DETERMINE

NOTE REQUIRED TO DETERMINE

NOTE REQUIRED TO DETERMINE

NOTE REQUIRED TO DETERMINE

NOTE REQUIRED TO DETERMINE

2.2500%

Late Charge % / # Days

360

30 BORROWERS INCOME TO DEBT

Index

Margin

Fully Indexed Rate

TRIAGE RESULTS

SSN - Borrower

Note: While the underwriter feels that

the comps used to value the subject

property were not appropriate, the

value reflected on the appraisal

.125% UP

45 DAYS PRIOR TO CHANGE

N/A

N/A

Rounding Factor

1. LENDER DID NOT CALCULATE

6.7500%

NOTE REQUIRED

1 YEAR LIBOR ARM

N/A

2.2500%

11.7500%

1st Lien 2nd Lien

ONE

SINGLE FAMILY - PUD

CASH OUT REFINANCE

931,000.00

CO-BORROWER: JANE Q. CO-BORROWER

MIN NO:

Audit Type

Borrower Empl / Inc.

Co Borrower Empl / Inc.

SSN - Co-Borrower

BORROWER: JOHN Q. BORROWER

Date of TRIAGE: 06/19/2011

LENDER DID NOT CAPTURE DATA

LENDER DID NOT CAPTURE DATA

1,330,000.00

70/%

XXX-XX-4956

XXX-XX- 2573

INITIAL LOAN TRIAGE REPORT

1. MORTGAGE ANALYSISOriginating Lender EAGLE HOME MORTGAGE, LLC

Original loan #

An initial review of the borrower's appraisal was performed, in addition to a

an on-line review of the home's most probable market value when the appraisal

was performed. While the Underwriter feels that the comparable properties

used by the appraiser may have been inappropriate, and the appraisal document

itself appears to contain flaws, overall the final reconciled value at which the

appraiser arrived, appears to be supported.

DISCLAIMERS:

The Diligence Group, LLC is not engaged in the practice of law, does not provide legal advice, or provide modification, mediation , foreclosure

defense or any related service directly to the consumer (distressed homeowner). Our Due Diligence Analysis reports are designed for the

exclusive use by valid, licensed legal, institutional, mortgage, and foreclosure defense professionals. The Auditor who performed this initial

findings report is not an attorney, is not engaged in the practice of law, offers no legal advice and performs no foreclosure defense,

modification, mediation, or any other related service or activity directly to the consumer (distressed homeowner). Individuals who require

these services are encouraged to seek the advice of a competent attorney, or other appropriate professional who is legally entitled to offer

the services that the consumer requires. Neither the Diligence Group, LLC or the Auditor obtains or collects documents of any kind on the

behalf of the borrower, the borrower's agents and/or representatives.

This publication has been created to provide accurate and authoritative information relative to the subject matter presented; this publication

has not been created by individuals licensed to practice law. This document is not a substitute for the advice of an attorney. The Diligence

Group, LLC makes no representations and warranties of any kind and assumes no liability whatsoever, for any due diligence report findings

including incorrect findings arising from incomplete data and/or documentation, inaccurate data, improper classification of data or

erroneous interpretations of the loan data and documents submitted for review. Documents presented for analysis that are not

"certified true correct" copies of the borrower's fully executed, notarized closing and credit package, obtained directly from the lender or

servicer of record may not accurately reflect the documents that are considered to be genuine, signed by the borrower at closing, and which

represent the borrower's contract with the Mortgagee. The Diligence Group, LLC, and the Auditor performs its analysis and creates it's reports

in good faith, using all documents that have been provided. The Diligence Group, LLC and the Auditor performs it's analysis and prepares all

reports based upon the assumption that the documents and data submitted for analysis are an accurate representation of the borrower's

final, true, correct closing and credit package, or a portion thereof, and that the parties who are presenting the documents accept complete

responsibility for the documents' authenticity.