# 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.

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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) Amount (\$, with closing cost) More than 2x “Truth in Lending” \$105,651 Finance Charge Total Payback=\$151,725.00

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

Chart 1c Differences 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

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

Interest Rate Comparison “Good Faith vs. Actual” \$46,074.16 Amount Financed for 30 years “Good Faith Estimate” vs. “Actual” “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” Chart 2a “Teaser Rate” “Bait and Switch” “Approximately Double 8% to16%

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

Monthly Payment Comparison “Faith vs. Actual” \$46,074.16 Amount Financed for 30 years “Good Faith Estimate” vs. “Truth in Lending Statement” “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” Chart 2c

Chart 2a Chart 3 – Dates range 7/14/00 to 12/5/03 Payments Made (29) Payments of \$350mo.Good FaithPayments of …TILDS 1. \$350.0016. \$350.001. \$472.0115. \$526.90 2. \$350.0017. \$350.002. \$526.9016. \$526.90 3. \$350.0018. \$350.003. \$526.9017. \$550.50 4. \$350.0019. \$350.004. \$526.9018. \$645.00 5. \$350.0020. \$350.005. \$526.9019. \$992.02 6. \$350.0021. \$350.006. \$526.9020. \$837.82 7. \$350.0022. \$350.007. \$526.9021. \$609.82 8. \$350.0023. \$350.008. \$526.9022. \$527.00 9. \$350.0024. \$350.009. \$526.9023. \$527.00 10. \$350.0025. \$350.0010. \$526.9024. \$574.19 11. \$350.0026. \$350.0011. \$526.9025. \$526.99 12. \$350.0027. \$350.0012. \$526.9026.\$550.60 13. \$350.0028. \$350.0013. \$526.9027. \$550.59 14. \$350.0029. \$350.00=14. \$526.9028. \$526.99 15. \$350.00 \$10,150.00 29. \$550.59= \$15,734.00

Chart 2a Chart 3a - Dates range 7/14/00 to 12/5/03 Total Misc., Fees & Insurance Fees, Misc. Posting and Insurance Flood/Home 1. \$160.05 (Good Faith) 14. \$245.20 (Misc. Posting) 2. \$14.84 (Misc. Posting) 15. \$305.82 (Misc. Posting) 3. \$494.01 (Flood Ins.) 16. \$411.00 (Homeowners Ins pmt) 4. \$638.00 (Homeowners Ins pmt) 17. \$609.82 (Misc. Posting) 5. \$47.20 (Misc. Posting) 18. \$438.00 (Flood Ins.) 6. \$54.89 (Misc. Posting) 19. \$0.01 (Late Charge.adj) 7. \$472.01 (Misc. Posting) 20. \$311.00 (Homeowners Ins pmt) 8. \$45.02 (Misc. Posting) 21. \$1,476.33 (county tax) 9. \$493.54 (Flood Ins.) 23. \$446.26 (Flood Ins.) 10. \$638.00 (Homeowners Ins pmt) 24. \$317.22 (Homeowners Ins pmt) 11. \$925.59 (Misc. Posting) 25. \$264.72 (county tax) 12. \$245.20 (Misc. Posting) = \$9,125.94 13. \$72.21 (Escrow Shortage pmt) Total of Interest Insurance, Misc. and Fees \$24,593.78

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

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 Fees, Misc. Posting and Insurance Flood/Home 1. \$160.05 (Good Faith) 13. \$72.21 (Escrow Shortage pmt) 2. \$14.84 (Misc. Posting) 14. \$245.20 (Misc. Posting) 3. \$494.01 (Flood Ins.) 15. \$305.82 (Misc. Posting) 4. \$638.00 (Homeowners Ins pmt) 16. \$411.00 (Homeowners Ins pmt) 5. \$47.20 (Misc. Posting) 17. \$609.82 (Misc. Posting) 6. \$54.89 (Misc. Posting) 18. \$438.00 (Flood Ins.) 7. \$472.01 (Misc. Posting) 19. \$0.01 (Late Charge.adj) 8. \$45.02 (Misc. Posting) 20. \$311.00 (Homeowners Ins pmt) 9. \$493.54 (Flood Ins.) 21. \$446.26 (Flood Ins.) 10. \$638.00 (Homeowners Ins pmt) 22. \$317.22 (Homeowners Ins pmt) 11. \$925.59 (Misc. Posting) = \$6,276.38 12. \$245.20 (Misc. Posting)

Chart 4 – Present Value of Damages Due to Displacement and Loss of Use 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 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

Chart 5 - Overview Countrywide Financial 2007

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

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

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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