1. Chart 1 - Interest Rate Representations
Pre Closing July 14, 2000
Closing July 26, 2000
8.375%
10.5%
CWR232 & CWR144

2. Chart 2 -Truth in Lending Representations
Pre Closing July 14, 2000
Closing July 26, 2000
Post-Closing Jan. 14, 2004
12.899%
14.350%
15.11%
CWR121 & CWR231

3. Chart 3 - Monthly Payment
Pre Closing July 14, 2000
Closing July 26, 2000
Post-Closing
$353.43
$472.01
$526.90
Force Place Insurance (Home, Flood fees, and misc…)
CWR231, CWR232, CWR121 & 9a Exhibit Payment/Escrow Detail

4. Chart 4 - Interest Rate Comparison “Good Faith Estimate” vs. “Actual”
“Teaser Rate”
“Bait and Switch”
“Approximately Double
8% to16%
Note: Actual = Includes fees, force placed insurance (home and flood) and misc…
“Bait and Switch” - almost doubled the interest rate (difference of 7.336%)

5. Nearly, $100,000 difference in total Finance Charge
Chart 5 - Finance Charge Comparison “Good Faith Estimate” vs. “Truth in Lending Disclosure Statement”
“Teaser Rate”
“Bait and Switch”
Nearly, $100,000 difference in total Finance Charge
“Bait and Switch” – difference in cash finance charge over the life of the loan
Faith to TILDS $83, & Faith to Actual $173, $79,996= $93,112.61”

6. and Good Faith to Actual $353.43- $609.00= $255.57”
Chart 6 - Monthly Payment “Good Faith Estimate” vs. “Truth in Lending Statement”
“8.375% , % and %
“Bait and Switch” - Monthly charge Difference of Good Faith to TILDS $173.47
and Good Faith to Actual $ $609.00= $255.57”

7. Chart 7 – 29 Payment History
July 14, 2000
January 2004
$526.90
$353.42
$10,249.47
$24,593.78
CWR232 CWR144

8. Chart 8 – Payment History (29)
Principal payments made Note: no pre-payment penalty Jan 2004
“Prepaid Note in Full”
$54, Total
51, Payoff
$3, Over-Payment
$42,124.96
Feb. 14, 2005
$6,282.97
Reversal of fees, force placed insurance
(home and flood) and misc…
$6,282.97
“Note: 29 payment =Total $24, added to 54,684.31= $79,278.09

9. Chart 9 - Dates range 7/14/00 to 12/5/03 Total Misc., Fees & Insurance
Fees, Misc. Posting and
Insurance Flood/Home
1. $ (Good Faith)
14. $ (Misc. Posting)
2. $14.84 (Misc. Posting)
15. $ (Misc. Posting)
3. $ (Flood Ins.)
16. $411.00
(Homeowners Ins pmt)
4. $638.00
17. $ (Misc. Posting)
5. $47.20 (Misc. Posting)
18. $ (Flood Ins.)
6. $54.89 (Misc. Posting)
19. $0.01 (Late Charge .adj)
7. $ (Misc. Posting)
20. $311.00
8. $45.02 (Misc. Posting)
21. $1, (county tax)
9. $ (Flood Ins.)
23. $ (Flood Ins.)
10. $638.00
24. $317.22
11. $ (Misc. Posting)
25. $ (county tax)
12. $ (Misc. Posting)
= $9,125.94
13. $72.21
(Escrow Shortage pmt)
Note: *29=$10,249.47
Chart 2a
Total of Interest, Insurance, Misc. and Fees $24,593.78

10. Chart 10 – 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 & over- payment (2,225 days)=$67,611.31
Interest rate 8.375%
Financed for 30 years
Hardship for living in a burnt home (Range of 80,000 to 150,000)
Total = $183, $333,242.00
Option 2 (central view)
Rent $750 per month
Amount of time June 5, 2003-April 5, 2011 & over-payment (106 Months) = $82,611.31
Interest rate 10.5%
Financed for 30 years
Hardship for living in a burnt home (Range of 80,000 to 150,000)
Total = $272, $422,043.00
Option 3 (punitive view)
Rent $950 per month includes utilities
Amount of time June 5, 2003-April 5, 2011 & over-payment (106 Months) =
$100,700
Interest rate %
Financed for 30 years
Hardship for living in a burnt home (Range of 80,000 to 150,000)
Total = $493,
$643,863.00

11. Chart 11 - Countrywide Financial Highlights
Countrywide Home Loans accounts for 48% of Countrywide Financial
Net Earning 2.67 Billion in 2006
Servicing 1.5 trillion in loans
No. #2 in loan serving
Insurance Business quote, “we are taking steps to improve our penetration of the existing Countrywide customer base through the loan servicing portfolio in our Mortgage Banking segment”
No. #1 home lender in America avg. “nearly 2 billion in loans per day”
200 billion in total assets
38 years in business
Net Earning growth 01-06
2000 = $486 million
2001 = $842 million
2002 = $2.373 billion
2004 = $2.198 billion
2005 = $2.528 billion
2006 = $2.675 billion
Annual Report K

12. Chart 12 - Overview Countrywide Financial 2007

13. Chart 13 – Countrywide Financial Businesses at a Glance
Mortgage Banking
Countrywide Home Loans (CHL)
Banking
Capital Markets
Consumer Markets Division (CMD)
Countrywide Bank (FSB)
Countrywide Securities Corporation (CSC)
Countrywide Warehouse Lending (CWL)
Full Spectrum Leading Division (FSLD)
Countrywide Commercial Real Estate Finance (CRF)
Wholesale Division (WLD)
Insurance
Countrywide Asset Management (CAM)
Balboa Reinsurance
Correspondent Lending Division (CLD)
Countrywide Servicing Exchange (CSE)
Balboa Insurance Group
Countrywide Insurance Services
Servicing
Global Operations
Countrywide Home Loans
CFC International, India Services
Countrywide Servicing LP
Countrywide International Technology Holdings, Ltd.
Closing Services
LandSafe

14. Chart 14 - Countrywide Financial
COUNTRYWIDE FINANCIAL CORPORATION AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS
December 31,
2007
2006
(in thousands, except share data)
ASSETS
Cash $
8,810,399
1,407,000
Mortgage loans held for sale
11,681,274
31,272,630
Trading securities owned, at fair value
14,988,780
20,036,668
Trading securities pledged as collateral, at fair value
6,838,044
1,465,517
Securities purchased under agreements to resell, securities borrowed and federal funds sold
9,640,879
27,269,897
Loans held for investment, net of allowance for loan losses of $2,399,491 and $326,817, respectively
98,000,713
78,019,994
Investments in other financial instruments, at fair value
28,173,281
12,769,451
Mortgage servicing rights, at fair value
18,958,180
16,172,064
Premises and equipment, net
1,564,438
1,625,456
Other assets
13,074,073
9,907,553
Total assets
211,730,061
199,946,230
LIABILITIES
Deposit liabilities
60,200,599
55,578,682
Securities sold under agreements to repurchase
18,218,162
42,113,501
Trading securities sold, not yet purchased, at fair value
4,092,374
3,325,249
Notes payable
97,227,413
71,487,584
Accounts payable and accrued liabilities
13,152,099
8,187,605
Income taxes payable
4,183,543
4,935,763
Total liabilities
197,074,190
185,628,384
Commitments and contingencies —

15. Chart 15 - Countrywide Financial
SHAREHOLDERS' EQUITY
Preferred stock, par value $0.05—authorized, 1,500,000 shares; issued and outstanding at December 31, 2007, 20,000 shares of 7.25% Series B non-voting convertible cumulative shares with a total liquidation preference of $2,000,000 1 —
Common stock, par value $0.05—authorized, 1,000,000,000 shares; issued, 578,881,566 shares and 585,466,719 shares at December 31, 2007 and 2006, respectively; outstanding, 578,434,243 shares and 585,182,298 shares at December 31, 2007 and 2006, respectively
28,944
29,273
Additional paid-in capital
4,155,724
2,154,438
Retained earnings
10,644,511
12,151,691
Accumulated other comprehensive loss
(173,309 )
(17,556
Total shareholders' equity
14,655,871
14,317,846
Total liabilities and shareholders' equity $
211,730,061
199,946,230
$14,655,871,000 in 2007

16. Chart 16 - Countrywide Financial
COUNTRYWIDE FINANCIAL CORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF OPERATIONS
Years Ended December 31,
2007
2006
2005
(in thousands, except per share data)
Revenues
Gain on sale of loans and securities $
2,434,723
5,681,847
4,861,780
Interest income
13,161,865
12,056,043
7,970,045
Interest expense
(10,287,800 )
(9,133,682
(5,616,425
Net interest income
2,874,065
2,922,361
2,353,620
Provision for loan losses
(2,286,183
(233,847
(115,685
Net interest income after provision for loan losses
587,882
2,688,514
2,237,935
Loan servicing fees and other income from mortgage servicing rights and retained interests
5,716,443
4,960,550
4,281,254
Realization of expected cash flows from mortgage servicing rights
(3,012,336
(2,932,741 —
Amortization of mortgage servicing rights
(2,288,354
Change in fair value of mortgage servicing rights
(1,085,419
171,242
Recovery of mortgage servicing rights
387,851
Impairment of retained interests
(2,380,876
(284,690
(364,506
Servicing Hedge gains (losses)
1,671,937
(613,706
(523,078
Net loan servicing fees and other income from mortgage servicing rights and retained interests
909,749
1,300,655
1,493,167
Net insurance premiums earned
1,523,534
1,171,433
953,647
Other
605,549
574,679
470,179
Total revenues
6,061,437
11,417,128
10,016,708
$6,061,437,000 in 2007

17.     Chart 17 - COUNTRYWIDE FINANCIAL CORPORATION AND SUBSIDIARIES 10k SEC ( CONSOLIDATED STATEMENTS OF CASH FLOWS
Cash at end of year   $ 8,810,399,000   $ 1,407,000,000   $ 1,031,108,000