Newland 61609 - Vol. Ie

FREEDOM COURT REPORTING
m
IN THE CIRCUIT COURT OF DEKALB COUNTY ALABAMA
CIVIL ACTION NO.: 08-183
co
LARRY DAVID WOOD, JR., and
KAREN WILBORN WOOD,
d.
Individuals,
au
Plaintiffs,
vs.
Fr
OPTION ONE MORTGAGE CORPORATION,
WELLS FARGO BANK, N.A.,
re
FIDELITY NATIONAL FORECLOSURE &
BANKRUPTCY SOLUTIONS,
su
Defendants.
___________________________________________/
clo
VIDEOTAPED DEPOSITION OF
BILL NEWLAND
re
Taken on behalf of the Plaintiffs

Fo
op
DATE TAKEN: Tuesday, June 16, 2009

TIME: 9:10 a.m. - 5:30 p.m.
PLACE: Fidelity National
St
601 Riverside Avenue

Jacksonville, Florida
w.
REPORTED BY: Cindy D. McClary, RPR, CRR

ww
367 VALLEY AVENUE

877-373-3660 BIRMINGHAM , ALABAMA 35209 205-397-2397
Page 2
m
1
2 APPEARANCES FOR THE PLAINTIFFS
co
3 NICK WOOTEN, ESQUIRE
Post Office Box 3389
4 Auburn, AL 36831
d.
5
6
au
APPEARANCES FOR DEFENDANT OPTION ONE MORTGAGE
7
WILLIAM P. LAWLER, JR., ESQUIRE
Fr
8 Adams and Reese, LLP
2100 Third Avenue North
re
9 Suite 1100
Birmingham, AL 35203-3367
su
10
11
12 APPEARANCES FOR DEFENDANT FIDELITY NATIONAL
clo
13 MICHAEL P. CASH, ESQUIRE
Gardere Wynne Sewell, LLP
14 1000 Louisiana
re
Suite 3400
15 Houston, TX 77002-5011
Fo
16
17
ALSO PRESENT
op
18
SHERYL L. NEWMAN, LPS

19
St
ASHLEY HOLT, VIDEOGRAPHER

20
w.
21
22
23
ww
24
25
367 VALLEY AVENUE

Page 3
m
1 INDEX
2 Videotaped Deposition of Bill Newland
co
3 PAGE
4
d.
Direct Examination by Mr. Wooten . . . . . . . .6
5 Cross Examination by Mr. Cash. . . . . . . . .256
au
6 Redirect Examination by Mr. Wooten . . . . . .273
7 Certificate of Oath. . . . . . . . . . . . . .281
Fr
8 Certificate of Reporter. . . . . . . . . . . .282
9 - - -
re
10 EXHIBITS INDEX
11
su PAGE
12 Plaintiffs' Exhibit No. 1. . . . . . . . . . . 30
clo
13 Plaintiffs' Exhibit No. 2. . . . . . . . . . .139
re

Fo

op

20 Plaintiffs' Exhibit No. 9. . . . . . . . . . . 32
St
21 Plaintiffs' Exhibit No. 10 . . . . . . . . . .205

w.

ww
367 VALLEY AVENUE

Page 4
m
1 EXHIBITS INDEX (Continued)
2 PAGE
co
4
d.
Plaintiffs' Exhibit No. 16 . . . . . . . . . .232
au
Fr
re
11
su
Plaintiffs' Exhibit No. 23 . . . . . . . . . .245
12 Plaintiffs' Exhibit No. 24 . . . . . . . . . . 69
clo
re

Fo

18
(Reporter's note: Plaintiffs' Exhibit No. 15
op
19 was withdrawn and retained by Plaintiffs' counsel.)

20
St
21
22
w.
23
24
ww
25
367 VALLEY AVENUE

Page 5
m
1 THE VIDEOGRAPHER: This begins Videotape
2 No. 1 in the deposition of Bill Newland in the
co
3 matter of Larry David Wood, Jr., and Karen
4
d.
Wilborn Wood versus Option One Mortgage
5 Corporation, et al., Case No. 08-183 in the Court
au
6 of DeKalb County, Alabama.
7 We are on the record at 9:10 a.m. on
Fr
8 Tuesday, June 16th, 2009. This deposition is
9 taking place at Fidelity National in
re
10 Jacksonville, Florida.
11
su
My name is Ashley Holt, representing Freedom
12 Court Reporting. Will counsel please identify
clo
13 themselves and state whom you represent, and the
14 court reporter please swear in the witness.
re
15 MR. WOOTEN: My name is Nick Wooten, and I

16 represent the plaintiffs in this action.
Fo
17 MR. CASH: My name is Mike Cash, and I

18 represent Fidelity National Foreclosure &
op
19 Bankruptcy Solutions, a defendant in this action

20 currently.
St
21 MR. LAWLER: My name is Will Lawler, and I

22 represent Option One Mortgage Corporation, a
w.
23 defendant in this action.

24
ww
25
367 VALLEY AVENUE

Page 6
m
1 BILL NEWLAND,
2 having been produced and first duly sworn as a
co
3 witness, testified as follows:
4
d.
THE WITNESS: Yes.
5 DIRECT EXAMINATION
au
6 BY MR. WOOTEN:
7 Q Mr. Wooten, my -- Mr. Newland, my name is
Fr
8 Nick Wooten, I think you heard me introduce myself. I
9 hadn't had the opportunity to meet you prior to today.
re
10 Have you ever given a deposition before today?
11 A Yes, I have.
su
12 Q Tell me about that. How many times have you
clo
13 been deposed, sir?
14 A I've been deposed once.
re
15 Q What was that in reference to?

16 A Reference to a case here at Fidelity.
Fo
17 Q Okay. And was that where Fidelity was a

18 defendant in an action?
op
19 A Yes, it was.
20 Q Okay. Did you serve as a 30(b)(6) witness
St
21 for Fidelity at that time?

22 A I don't understand the question.
w.
23 Q Did you testify individually or as a

24 corporate representative of Fidelity?
ww
25 A Individually.
367 VALLEY AVENUE

Page 7
m
1 Q Okay. So you were a fact witness to that
2 specific case?
co
3 A Yes.
4
d.
Q I understand that you've played some role in
5 this case up to this point with respect to answering
au
6 interrogatories and propounding affidavits; is that
7 correct?
Fr
8 A Yes, it is.
9 Q So I take it from that that you have
re
10 personally made yourself familiar with this litigation
11
su
and the allegations that have been made; is that
12 correct?
clo
13 A Yes, it is.
14 Q If you will, sir, please tell me how long
re
15 you've been an employee of Fidelity National

16 Foreclosure Services.
Fo
17 A Approximately five years.

18 Q Okay. How long have you been employed as a
op
19 vice president?
20 A Approximately four years.
St
21 Q The position that you currently hold,

22 exactly what is your title?
w.
23 A I'm first vice president of operations.

24 Q What are your responsibilities with that
ww
25 title, please, sir?
367 VALLEY AVENUE

Page 8
m
1 A I have primary oversight for the
2 Jacksonville facility and also manage our attorney
co
3 management area and special assets for our foreclosure
4
d.
department.
5 Q What is a special asset in the foreclosure
au
6 department?
7 A Basically, we handle title resolution,
Fr
8 assist in correspondence with title resolution,
9 probates, things of that nature.
re
10 Q Have you held any other titles as an
11 employee of Fidelity?
su
12 A I held a title primarily when I was hired on
clo
13 here as assistant vice president.
14 Q Okay.
re
15 MR. CASH: Just for the record to be clear,

16 can we make an agreement that when we use the
Fo
17 term Fidelity, we're talking about the defendant

18 Fidelity National Foreclosure & Bankruptcy
op
19 Solutions? Then we just don't have to repeat it

20 every time.
St
21 MR. WOOTEN: It'll probably save my tongue,

22 so, frankly, that'll be fine with me.
w.
23 MR. CASH: Okay.

24 BY MR. WOOTEN:
ww
25 Q I think that's what the industry more or
367 VALLEY AVENUE

Page 9
m
1 less refers to you guys as anyway, right, Fidelity?
2 A Not any longer, no.
co
3 Q Actually, you're now LPS, right?
4
d.
A That is correct.
5 Q And what does that stand for?
au
6 A Lender Processing Solutions.
7 Q And that is an entity which spun off of your
Fr
8 parent corporation; is that correct?
9 A Yes.
re
10 Q Okay. And when did that spinoff take place?
11 A July of '08.
su
12 Q And do you have any understanding as to what
clo
13 the motivation was to take LPS out from under the
14 broader umbrella as a separate company?
re
15 A No, I do not.
16 Q Were you involved in that decision at all?
Fo
17 A No, I was not.

18 Q Prior to coming -- well, let me just make
op
19 sure I'm clear about this. You've only held two

20 positions with Fidelity, one is a vice president and
St
21 the other is first vice president of operations?

22 A I've held three. I was assistant vice
w.
23 president, I was promoted to vice president then

24 promoted to first vice president.
ww
25 Q So your entry point was as assistant vice
367 VALLEY AVENUE

Page 10
m
1 president?
2 A Yes, it was.
co
3 Q And what year was that?
4
d.
A September of 2004.
5 Q And when were you promoted to vice
au
6 president?
7 A I want to say it was approximately March of
Fr
8 '05.
9 Q Did you have a specific area of
re
10 responsibility with that description?
11 A
su
Which description?
12 Q Vice president.
clo
13 A Primary responsibility stayed the same.
14 Q Okay. And that was what you set out
re
15 earlier?
16 A Yes.
Fo
17 Q And when were you promoted to first vice

18 president of operations?
op
19 A I don't recall off the top of my head.

20 Q Prior to working for Fidelity, where were
St
21 you previously employed?

22 A Option One Mortgage.
w.
23 Q And did you leave Option One and come

24 directly to Fidelity?
ww
25 A After 30 days of being nonemployed, yes.
367 VALLEY AVENUE

Page 11
m
1 Q How long were you employed by Option One,
2 sir?
co
3 A Approximately 18 months.
4
d.
Q 18 months?
5 A Uh-huh.
au
6 Q And how were you employed by Option One?
7 A I held the title of assistant vice
Fr
8 president.
9 Q Did you have a specific area that you were
re
10 assistant vice president to?
11 A
su
Loss mitigation, foreclosure, and
12 bankruptcy.
clo
13 Q Was Option One a Fidelity partner at that
14 time?
re
15 A We had just become a partner approximately

16 two months prior to me leaving.
Fo
17 Q And what was the term of your employment

18 with Option One?
op
19 A 18 months.
20 Q So from February of 2005, previous 18
St
21 months?
22 A No, I started here in September of 2004.
w.
23 Q I'm sorry. I was looking at your -- wrong

24 date. I apologize. Looking at your vice president,
ww
25 date you were promoted.
367 VALLEY AVENUE

Page 12
m
1 So you would've worked for Option One in
2 2003 and part of 2004?
co
3 A That's correct.
4
d.
Q And your testimony is, is during that time,
5 you were not a Fidelity partner until approximately 60
au
6 days prior to your leaving?
7 A For the -- that's correct.
Fr
8 Q Prior to Option One, where did you work?
9 A I worked for Ocwen Federal Bank.
re
10 Q How long were you employed by Ocwen?
11 A
su
Five and a half years.
12 Q What period of time was that, if you recall,
clo
13 please, sir?
14 A I want to say it was August of '97 through
re
15 February of 2003.
16 Q Do you remember the position you were hired
Fo
17 on at at Ocwen?
18 A That I was hired on at? I was a team leader
op
19 over loss mitigation department.

20 Q Because everybody who may eventually hear or
St
21 see this testimony doesn't understand what we mean

22 when we say loss mitigation, would you, please,
w.
23 explain that for me.

24 A We provided assistance to the borrowers in
ww
25 attempting to resolve their delinquency through some
367 VALLEY AVENUE

Page 13
m
1 type of means of mitigation.
2 Q So that was where you might work out a
co
3 forbearance or payment plan or modification, if the
4
d.
circumstance were appropriate, that sort of thing?
5 A That would be correct.
au
6 Q And the goal of loss mitigation generally is
7 to prevent a foreclosure or loss of a home, is that
Fr
8 the general goal?
9 A That's correct.
re
10 Q Other than loss mitigation, at the time you
11
su
were hired, did you do any other -- or perform any
12 other function at Ocwen?
clo
13 A I also managed front-end collections, which
14 would be your zero to 90-day collections.
re
15 Q Would it be fair to say that the front-end

16 collections are those borrowers who are not current
Fo
17 but have not been declared to be in default?

op
19 Q And so, in that regard, sort of more or less

20 a proactive loss mitigation approach to try to keep
St
21 those people from trying to go into default, right?

22 A Yes.
w.
23 Q How long were you in that position with

24 Ocwen?
ww
25 A Approximately three years.
367 VALLEY AVENUE

Page 14
m
1 Q So sometime in 1999 or early 2000 you
2 changed positions with respect to that?
co
3 A Yes.
4
d.
Q Where did you go to from loss mitigation?
5 A I went back to the -- well, I went from loss
au
6 mitigation to collections and then went back to loss
7 mitigation as the director.
Fr
8 Q So when -- did you maintain the title of
9 team leader up until the time that you went to
re
10 collections?
11 A No.
su
12 Q Okay. So what other titles did you hold in
clo
13 loss mitigation?
14 A I held the title of director of operations.
re
15 Q So did you advance directly from team leader

16 to director of operations, or were there intermediate
Fo
17 advancements?
18 A There was -- there were intermediate
op
19 promotions between that.

20 Q I'm assuming that you would've gone from
St
21 team leader to either manager or vice president?

22 A Yes.
w.
23 Q Okay. Both or --
24 A No.
ww
25 Q -- one?
367 VALLEY AVENUE

Page 15
m
1 A No, I went from team lead, then I went to --
2 as a manager for the collections department, and then
co
3 to the senior manager of that department. And then I
4
d.
moved to director of operations for loss mitigation.
5 Q The collections department is a different
au
6 department than loss mitigation, right?
7 A Yes, it is.
Fr
8 Q And the collection department at Ocwen, how
9 would that have been defined? What was its function?
re
10 A As I stated previously, it was basically to
11
su
collect on moneys owed that were delinquencies that
12 were zero to 90 days.
clo
13 Q So it is what you referenced earlier as
14 front-end collections?
re
15 A Yes.
16 Q Okay. I'm sorry, I didn't realize that you
Fo
17 were not distinguishing between the two.

18 So at what point did you move from senior
op
19 manager of collections to director of operations of

20 loss mitigation?
St
21 A It would've been -- I don't recall off the

22 top of my head, but it was about -- it was about a
w.
23 year and a half prior to me leaving --

24 Q Okay.
ww
25 A -- Ocwen, so, whatever that date is.
367 VALLEY AVENUE

Page 16
m
1 Q So you would've been in collections from
2 sometime in '99 or 2000 until about 2000 -- late 2001,
co
3 early 2002?
4
d.
A Collections was -- when I started in
5 front-end collections, it was early 1998.
au
6 Q All right.
7 A And spent two years in early collections.
Fr
8 So, approximately, probably, late to mid -- mid 2000
9 is when I went into loss mitigation.
re
10 Q And that's when you became the director of
11 operations --
su
12 A Yes.
clo
13 Q -- there? And you held that title until you
14 left that position?
re
15 A That's correct.
16 Q As part of your work as director of
Fo
17 operations in loss mitigation, were you ever deposed

18 as an employee of Ocwen Federal Bank?
op
19 A No, I was not.

20 Q Where was Ocwen Federal Bank? Where was
St
21 your employment located with them during this period

22 of time?
w.
23 A Orlando, Florida.
24 Q Are there any other titles or positions that
ww
25 you held with Ocwen Federal Bank --
367 VALLEY AVENUE

Page 17
m
1 A No.
2 Q -- during this time?
co
3 A No.
4
d.
Q During this period of time, was Ocwen
5 Federal Bank subject to any state or federal
au
6 investigation with respect to their lending or
7 mortgage service and practices?
Fr
8 A I don't recall.
9 Q Did you ever give any testimony with respect
re
10 to any state or federal investigation?
11 A
su
No, I did not.
12 Q Is it your testimony today that you never
clo
13 testified as an employee of Ocwen Federal Bank or as a
14 corporate representative in any litigation?
re
15 A Not that I'm aware of.

16 Q As part of your work, did you provide for
Fo
17 Ocwen Federal Bank any affidavits or any other type of

18 documents which would've been filed in any federal --
op
19 or any lawsuit or litigation involving Ocwen Federal

20 Bank?
St
21 A I don't recall.
22 Q Prior to Ocwen Federal Bank, where were you
w.
23 employed, sir?
24 A I was employed with a company called -- I'm
ww
25 trying to think of the -- it was Premiere Credit was
367 VALLEY AVENUE

Page 18
m
1 the name of the company, but it's now, I believe,
2 Outsourcing Solutions, Incorporated.
co
3 Q Is Outsourcing Solutions also commonly known
4
d.
by the acronym OSI?
5 A I believe so.
au
6 Q Is it fair to say that OSI is a debt
7 collection agency?
Fr
8 A Yes, it is.
9 Q And they purchase delinquent account
re
10 receivables; is that correct?
11 A
su
I don't recall what they're purchasing.
12 Q But you understand their business to be that
clo
13 of debt collection?
14 A Yes.
re
15 Q And how were you employed by OSI?

16 A I was a manager of a group there.
Fo
17 Q Manager of a collection group?

18 A Yes.
op
19 Q When did your employment with OSI begin and

20 when did it end?
St
21 A I don't recall off the top of my head. I

22 know it ended in August of 1997.
w.
23 Q Why did your employment end with OSI?

24 A I took an opportunity to go to Ocwen Federal
ww
25 Bank.
367 VALLEY AVENUE

Page 19
m
1 Q During your time at OSI, were you ever a
2 witness where you gave either deposition or live
co
3 testimony in any litigation?
4
d.
A No, I did not.
5 Q Did you ever serve as a corporate
au
6 representative of OSI in any litigation?
7 A No, I did not.
Fr
8 Q At the time that you were employed with OSI
9 in managing its collections group, did OSI file
re
10 lawsuits to collect on their accounts receivable?
11 A
su
I don't recall.
12 Q So your work there was limited to managing a
clo
13 group of collectors which would call consumers to
14 collect on these account receivables, or write
re
15 consumers; is that correct?

Fo
17 Q And is it your testimony that you don't

18 remember even approximately when your employment began
op
19 at OSI?
20 A I -- I don't recall the exact date when I
St
21 started there.
22 Q Do you have a recollection of how many years
w.
23 you spent there?

24 A I spent about three years.
ww
25 Q Did you have any other titles or positions
367 VALLEY AVENUE

Page 20
m
1 with OSI?
2 A No, I did not.
co
3 Q Prior to OSI, what was your employment,
4
d.
please, sir?
5 A Commercial Credit.
au
6 Q Let me go back to OSI for just a second.
7 Where was your place of employment with OSI?
Fr
8 A Atlanta, Georgia.
9 Q Atlanta's a big city. Were you in one of
re
10 the suburbs or were you in Atlanta proper?
11 A
su
I was in the Marietta location.
12 Q Out near the Air Force base?
clo
13 A No, it was off of Windy Hill Road.
14 Q Almost to the Air Force base?
re
15 A Almost, not quite.

16 Q You mentioned Commercial Credit. Where was
Fo
17 your employment with Commercial Credit located?

18 A Tucker, Georgia.
op
19 Q And do you recall your period of employment

20 with them?
St
21 A Approximately four years.

22 Q Based upon my guesstimation, it appears that
w.
23 you would've been employed there from approximately

24 1990 or '91 until approximately 1994. Does that sound
ww
25 about right?
367 VALLEY AVENUE

Page 21
m
1 A Approximately.
2 Q And what is the business of Commercial
co
3 Credit at that time, please, sir, as best you recall?
4
d.
A Consumer finance.
5 Q Would this be one of those storefront
au
6 operations where people walk in off the street and get
7 small loans for consumer goods, that sort of thing?
Fr
8 A Yes.
9 Q And were you actually in that portion of the
re
10 business at that time? Were you doing consumer
11
su
finance or were you in collections also there?
12 A You basically do consumer finance and
clo
13 collections.
14 Q So that's, I guess, one of the early models
re
15 where you had people coming and making their weekly

16 payments of 28 bucks or whatever, and you're making
Fo
17 loans to them as they need and qualify for them, and

18 then if they're delinquent, you're picking up the
op
19 phone and calling people you've made loans to and say,

20 hey, why don't you come make a payment to me, that
St
21 sort of thing?
22 A Yes, that's right.
w.
23 Q And is it safe to say that most of your

24 loans would've been for smaller amounts, under $5,000,
ww
25 that type of thing?
367 VALLEY AVENUE

Page 22
m
1 A Primarily.
2 Q Sure. Did you make mortgage loans from that
co
3 location at that time?
4
d.
A Yes, we did.
5 Q Were those first or second loans?
au
6 A Second mortgages.
7 Q Did not engage in the business of making
Fr
8 first mortgages at all?
9 A No.
re
10 Q And how long -- well, you've already told me
11 that, so strike that.
suYou worked there for about four
12 years?
clo
13 A About four years.
14 Q Prior to Commercial Credit -- well, let me
re
15 back up and ask a couple more questions.

16 I'm assuming -- well, don't let me assume.
Fo
17 What position did you enter that business as?

18 A A manager.
op
19 Q Were you the manager in charge of that

20 branch or --
St
21 A Yes. Yes, I was.

22 Q Okay. Is that the first professional job
w.
23 you had out of college?

24 A No, it was not.
ww
25 Q Prior to Commercial Credit, where were you
367 VALLEY AVENUE

Page 23
m
1 employed?
2 A A company called Bomar Credit.
co
3 Q I'm sorry?
4
d.
A Bomar, B-O-M-A-R.
5 Q One I haven't heard of. Were they also in
au
6 consumer finance?
7 A No, they were actually a third-party
Fr
8 collection company.
9 Q And where was your principal place of
re
10 employment with Bomar?
11 A
su
Atlanta, Georgia. And it is Atlanta,
12 Georgia.
clo
13 Q Okay. And what was your position with
14 Bomar?
re
15 A I was a collector.
16 Q And what were you primarily collecting at
Fo
17 Bomar?
18 A Small balances.
op
19 Q What type of accounts?

20 A Charged off credit cards.
St
21 Q Was Bomar bought out by someone?

22 A I don't -- I don't recall. I didn't spend
w.
23 much time there.

24 Q How long were you with them?
ww
25 A Six months.
367 VALLEY AVENUE

Page 24
m
1 Q I'm assuming that you held no position other
2 than collector?
co
3 A That's correct.
4
d.
Q And with Commercial Credit, you held no
5 position other than manager?
au
6 A That's correct.
7 Q Did you have a job prior to Bomar Credit?
Fr
8 A Yes, I did.
9 Q Where was that?
re
10 A Household Finance Corporation.
11 Q
su
Do you remember the term of your employment?
12 A Approximately six years.
clo
13 Q So that would've been mid to late '80s; is
14 that fair?
re
15 A Yeah, it was -- I remember, because I

16 started out of college there, it was September of 1984
Fo
17 is when I started there.

18 Q And worked there till sometime in '89?
op
19 A Yes.
20 Q And that was your first position out of
St
21 college?
22 A Yes.
w.
23 Q And what position were you hired into,

24 please, sir?
ww
25 A As a branch representative.
367 VALLEY AVENUE

Page 25
m
1 Q Can you tell me what that job involved?
2 A Learning.
co
3 Q Trying to find your way to work in the
4
d.
morning?
5 A Yeah, basically learning how to
au
6 lend/collect, primarily.
7 Q So somewhat of an apprenticeship-type
Fr
8 position?
re
10 Q And how long did you serve in that capacity?
11 A
su
Oh, to be honest with you, I don't recall
12 how long I served in that capacity.
clo
13 Q Was that, for lack of a better term, a
14 program where they brought you in, you served in that
re
15 capacity for a period of time, and then they advanced

16 you or said you will never cut it here and let you go?
Fo
17 A They would advance you, or if you weren't

18 doing the job, they would let you go, yes.
op
19 Q And so, obviously, you advanced since you

20 were there five years?
St
21 A Yeah, to an assistant manager.

22 Q Okay. At that time, was Household also more
w.
23 or less a storefront type operation?

24 A Yes, they were.
ww
25 Q So you would've went to work in an existing
367 VALLEY AVENUE

Page 26
m
1 facility with, I'm assuming, an experienced manager?
2 A Yes.
co
3 Q Okay. And where would that employment have
4
d.
been located?
5 A That was in south DeKalb County, I believe
au
6 at the -- it was Decatur, Georgia.
7 Q And how long did you serve as assistant
Fr
8 manager, if you recall?
9 A Between the branch manager and -- or the
re
10 branch representative and assistant manager,
11 approximately two years.
su
12 Q All right. And after your assistant manager
clo
13 position there, I'm assuming you received some other
14 sort of promotion?
re
15 A Yes, I was promoted, branch manager.

16 Q Were you sent to another store, or did you
Fo
17 stay in the Decatur, Georgia, area?

18 A No, I was sent to the Tucker, Georgia,
op
19 location.
20 Q Is it fair to say during this period of time
St
21 this type of business was expanding pretty rapidly,

22 opening new stores, that sort of thing?
w.
23 A I don't recall.
24 Q Do you know if the Tucker store was a new
ww
25 store that you took over?
367 VALLEY AVENUE

Page 27
m
1 A No, it was not.
2 Q All right. And how long were you branch
co
3 manager at Tucker?
4
d.
A Approximately three and a half years, almost
5 four.
au
6 Q So is it fair to say you were there until
7 you left?
Fr
8 A Yes.
9 Q Okay. And you did mention that that was
re
10 your first job out of college. Where did you go to
11 college at?
su
12 A Valdosta State College.
clo
13 Q Folks that go to Valdosta State usually only
14 go because they play some sport or they live nearby;
re
15 what was it for you?

16 A I went down there to play baseball.
Fo
17 Q All right. Did you grow up in Georgia?

18 A I grew up all over.
op
19 Q Okay. So you were there all four years, I

20 assume?
St
21 A Yes.
22 Q And you have a bachelor's degree?
w.
23 A No, I do not.
24 Q Did you complete a degree from Valdosta
ww
25 State?
367 VALLEY AVENUE

Page 28
m
1 A Associate's.
2 Q And what is that degree in?
co
3 A Finance.
4
d.
Q Do you have any other college degrees?
5 A No, I do not.
au
6 Q Where did you graduate from high school
7 from?
Fr
8 A Milton High School, Alpharetta, Georgia.
9 Q With respect to Option One, where was your
re
10 employment principally located?
11 A
su
Jacksonville, Florida.
12 Q And where in Jacksonville was Option One's
clo
13 building located?
14 A I -- I don't recall the exact address. I
re
15 believe it was Touchton Road.

16 Q You indicated with respect to Option One
Fo
17 that you were an assistant vice president for loss

18 mitigation, foreclosure and bankruptcy, correct?
op
19 A Yes.
20 Q Was all that work handled in-house at that
St
21 time?
22 A Loss mitigation, foreclosure and bankruptcy,
w.
23 we utilized Fidelity for two states, about half the

24 work, for the last two months that I was there.
ww
25 Q Is your testimony that Fidelity only had the
367 VALLEY AVENUE

Page 29
m
1 foreclosure and bankruptcy business of Option One for
2 the last two months that you were there?
co
3 A Yes, it is.
4
d.
Q Did Option One use the MSP software platform
5 at that time?
au
6 A Yes, they did.
7 Q Did Ocwen use MSP?
Fr
8 A No, they did not.
9 Q What did they use?
re
10 A It was an in-house product.
11 Q
su
Did you ever work in foreclosure and
12 bankruptcy at Ocwen?
clo
13 A No, I did not.
14 Q Do you know anyone or have any relatives by
re
15 blood or marriage who live in DeKalb County, Alabama?

16 A No, sir.
Fo
17 Q Do you have any friends or acquaintances in

18 DeKalb County, Alabama?
op
19 A No, sir.
20 Q Have you ever been to DeKalb County,
St
21 Alabama?
22 A No, sir.
w.
23 Q So then we can agree that your entire

24 professional life has been involved in finance or
ww
25 collections?
367 VALLEY AVENUE

Page 30
m
1 A That is correct.
2 (Plaintiffs' Exhibit No. 1 marked for
co
3 identification.)
4
d.
Q Let me show you what I've previously marked
5 as Plaintiffs' Exhibit 1. I will represent to you
au
6 that that is a copy of a Plaintiffs' 30(b)(6) notice
7 for today which was filed with the court system in the
Fr
8 State of Alabama for DeKalb County. Ask you to take a
9 look at that document. Excuse me.
re
10 Have you reviewed that document prior to
11
su
coming to this deposition today?
12 A Yes, I have.
clo
13 Q Are there any documents that you have
14 available today that are included in that deposition
re
15 notice that you have not previously produced?

16 MR. CASH: Yeah, this is Mike Cash, I'm the
Fo
17 attorney for Fidelity. There are a number of

18 categories that requested documents which are
op
19 either documents that don't exist or the

20 definition is inaccurate. What we've done is
St
21 gone back and pulled all documents associated --

22 that Fidelity has that are associated with this
w.
23 file, and I'm producing those now to plaintiffs'

24 counsel.
ww
25 MR. WOOTEN: Now, have these documents been
367 VALLEY AVENUE

Page 31
m
1 previously Bates stamped or marked in any way?
2 MR. CASH: They have not. And what we
co
3 probably want to do is go ahead and produce them
4
d.
and have the reporter make Bates stamp copies
5 and -- and then we'll get them with copies of the
au
6 deposition, if that's acceptable.
7 MR. WOOTEN: Going to be lots of copies with
Fr
8 this deposition.
9 BY MR. WOOTEN:
re
10 Q Is it your testimony that these are all of
11
su
Fidelity's documents with respect to this loan?
12 MR. CASH: Again, my statement is those are
clo
13 all the documents which would've been responsive
14 to the request with respect to this loan.
re
15 MR. WOOTEN: Okay.

16 BY MR. WOOTEN:
Fo
17 Q Let me see that document, if you will,

18 please, sir. Because I didn't make copies of it. I'm
op
19 working off of this.

20 What is a MSP P309 form, Mr. Newland?
St
21 A I don't know.
22 Q Is it fair to say that an MSP P309 form is
w.
23 actually a data archive which shows each time that

24 Fidelity or a user of MSP changes any data with
ww
25 respect to any loan?
367 VALLEY AVENUE

Page 32
m
1 A I -- I don't recall.
2 Q And it's your testimony that you previously
co
3 reviewed my deposition notice, correct?
4
d.
A Uh-huh.
5 Q You are the first vice president of
au
6 operations of Fidelity, correct?
Fr
8 Q LPS, I'm sorry. Is it your testimony that
9 you don't know what a P309 form is?
re
10 A No, I do not.
11 Q
su
Do you know what a P309 screen is?
12 A I've seen the screen, but I don't know what
clo
13 it entails.
re
15 identification.)
16 Q Okay. Let me show you a document I
Fo
17 previously marked as Plaintiffs' Exhibit 9, and I'll

18 represent to you that that is a copy of a web page
op
19 from LPS's training software with respect to MSP.

20 Does that appear to be a web-based training document
St
21 from your MSP software, Mr. Newland?

22 A From LPS software?
w.
23 Q Uh-huh.
24 A Looks to be, yes.
ww
25 Q Okay. And does that indicate a P309 screen?
367 VALLEY AVENUE

Page 33
m
1 A Yes, it indicates as far as approximately
2 what a P309 screen is, yes.
co
3 Q Okay. Does it explain what a P309 is, what
4
d.
information's available from a P309 --
5 A Yes, it does.
au
6 Q -- screen?
7 Okay. What information is available
Fr
8 according to that document from a P309 screen?
9 A Are you asking for me to read the -- what's
re
10 over here on the right side?
11 Q
su
Well, we can start with that.
12 A Sure. P309 provides loan activity detail;
clo
13 past activity which equals history; files storing
14 history and equals history of files; history initiated
re
15 at the loan boarding, new loan setup or acquisition

16 and merger; transactions generate details.
Fo
17 Q I'm going to ask you again, Mr. Newland,

18 does that document indicate that a P309 form will give
op
19 you the history of all the data transactions and the

20 changes that have been made with respect to your MSP
St
21 software for any given loan?

22 MR. CASH: Object to the form of the
w.
23 question and the term "your". We're here for

24 Fidelity, for the defendant in this case, which
ww
25 is Fidelity Foreclosure & Bankruptcy Solutions.
367 VALLEY AVENUE

Page 34
m
1 MR. WOOTEN: Okay.
2 MR. CASH: To the extent it's a different
co
3 entity, I'm going to -- we're going to have to be
4
d.
a little more specific on the term "your"
5 software.
au
6 MR. WOOTEN: Well, Mr. Cash, your defendant
7 runs MSP software.
Fr
8 MR. CASH: Actually, Mr. Wooten --
9 MR. WOOTEN: It's owned by the parent
re
10 company.
11 MR. CASH:
su
-- you're misinformed. You're
12 misinformed. So you -- I'm going to ask that you
clo
13 not testify. If you want to ask him questions,
14 that's fine, but if that's the basis you're
re
15 asking these questions on, you are misinformed.

16 MR. WOOTEN: Okay. Well, we're going to ask
Fo
17 him these questions, Mr. Cash.

18 MR. CASH: Feel free. But we're going to
op
19 have to make it specific.

20 MR. WOOTEN: Well, that'll be fine --
St
21 MR. CASH: So when you say your --

22 MR. WOOTEN: -- we'll do that.
w.
23 MR. CASH: We're here as a 30(b)(6)

24 representative of this defendant, not affiliates
ww
25 of this company.
367 VALLEY AVENUE

Page 35
m
1 MR. WOOTEN: And I'm going to ask you not to
2 make speaking objections and not to direct him
co
3 how to testify by your objections.
4
d.
MR. CASH: I'm not going to do that, but I'm
5 going to -- my objection -- my only objection
au
6 was: Objection, "your" is not specific. You
7 went into the speaking, and I responded so you
Fr
8 can understand what my objection is.
9 MR. WOOTEN: Sure. And that's fine.
re
10 MR. CASH: So, I object to the use of the
11 term "your."
su
That was my objection and it's not
12 a speaking objection.
clo
13 BY MR. WOOTEN:
14 Q Well, let me ask you this, Mr. Newland,
re
15 isn't it a fact, sir, that the client that you are

16 here -- the defendant that you're here as a corporate
Fo
17 rep of, Fidelity National Foreclosure Services, or

18 LPS, uses MSP, the software platform, for its work?
op
19 A Our client uses this and we do have the

20 ability to access their system, yes.
St
21 Q That is correct, you do have the ability to

22 access their system, right?
w.
24 Q And, in fact, you had the ability to enter
ww
25 the data fields in their system and make changes,
367 VALLEY AVENUE

Page 36
m
1 don't you?
2 A I don't know the answer to that question.
co
3 Q You are the person in charge of LPS; is that
4
d.
fair to say?
5 A No, it's not.
au
6 Q Okay. Are you in charge of the day-to-day
7 operations?
Fr
8 A I run a portion of the day-to-day
9 operations.
re
10 Q Okay. Is it your testimony today,
11
su
Mr. Newland, that you are unfamiliar with whether or
12 not employees who work for you can enter client data
clo
13 fields and alter that data and make changes to that
14 data through their access through MSP?
re
15 A They can make changes to certain portions of

16 the client's system, but specifically, I don't know
Fo
17 what portions those are.

18 Q And isn't it true, Mr. Newland, that a P309
op
19 form will indicate all the data changes that have been
20 made on any given loan?
St
21 A That's what it states in this screen shot,

22 yes.
w.
23 Q And isn't it true, Mr. Newland, that you can

24 walk out to any computer that is currently locked out
ww
25 of MSP and use your log-in and access the P309 field
367 VALLEY AVENUE

Page 37
m
1 and print all the forms associated with that field
2 with a simple push of a button?
co
3 A I don't recall.
4
d.
Q I would assume with your seniority that you
5 have certain rights to access documents and data
au
6 commensurate with your seniority; is that correct?
7 A No, it's not.
Fr
8 Q Oh. So who at LPS would have that
9 information as to who could enter MSP and print off a
re
10 P309 form?
11 A
su
I don't recall.
12 Q So before we get too deep into this, I want
clo
13 to back up just a little bit. Please tell the Court
14 and whoever else might view this testimony exactly
re
15 what MSP is.

16 A MSP is a mortgage service platform.
Fo
17 Q It's a software system, isn't it?

18 A I don't know whether it's a software system
op
19 or not.
20 Q With respect to a mortgage transaction, sir,
St
21 is it true that MSP basically handles a loan file from

22 origination to the termination of the loan either by
w.
23 payoff or foreclosure once it's in the MSP system,

24 assuming that it remains on the system with Fidelity
ww
25 partners?
367 VALLEY AVENUE

Page 38
m
1 A I don't know.
2 Q Okay. With respect to the MSP software,
co
3 isn't it true, sir, that there are different modules
4
d.
with respect to that software?
5 A That I don't know either.
au
6 Q Tell me what particular portions of the MSP
7 system the employees who work for you at LPS have
Fr
8 access to, please, sir.
9 A I do not know off the top of my head.
re
10 Q Who is the person who you either work for or
11
su
who works for you who would know that information,
12 please, sir?
clo
13 A That would probably be our securities
14 department.
re
15 Q Okay. Your securities department?

16 A Uh-huh, security department.
Fo
17 Q So that would be your information technology

18 security department?
op
19 A Yes.
20 Q So you're telling me that there are no other
St
21 employees in your direct supervision line, either

22 above or below you, who can tell me what the various
w.
23 modules of MSP are?

24 A Not -- well, not in my direct supervision,
ww
25 no.
367 VALLEY AVENUE

Page 39
m
1 Q And you cannot tell me what modules of that
2 software your employees who work for you at LPS can
co
3 access, can you?
4
d.
A No.
5 Q So you don't know whether somebody who's an
au
6 entry level employee who's just received their
7 clearance can go into the MSP software and print off
Fr
8 all the P309 forms or not, do you?
9 A I do not know specifically what screens
re
10 they're available to go to.
11 Q Okay.
su
Now, you've had this deposition
12 notice for a period of time, haven't you, sir?
clo
13 A Yes.
14 Q It's dated the 4th day of June of 2009,
re
15 isn't it?
16 A Yes, it is.
Fo
17 Q And I'm assuming, as you said, you had

18 reviewed this prior to coming here this morning,
op
19 right?
20 A Yes.
St
21 Q And being that it was the first topic on

22 which examination was requested, I'm assuming that you
w.
23 asked someone what a P309 form was if you didn't know?

24 A Well, you said P309 forms. I do not know
ww
25 what an MSP P309 form is.
367 VALLEY AVENUE

Page 40
m
1 Q Okay. MSP is your software, is it not?
2 A It's not my software.
co
3 Q It's Fidelity's software, is it not?
4
d.
MR. CASH: Again, objection. Unless we're
5 defining Fidelity as Fidelity National
au
6 Foreclosure & Bankruptcy Solutions. Given that
7 definition, you can answer.
Fr
8 BY MR. WOOTEN:
9 Q Let me be clear. I'm going to refer to your
re
10 entity as LPS from now on, so we can be real distinct
11
su
about what we're saying. Is it your testimony that
12 LPS does not use MSP in its operations?
clo
13 A No, LPS does utilize some of MSP, yes.
14 Q Okay.
re
15 A For different clients.

16 Q And MSP is a loan product of -- or a
Fo
17 servicing platform which is owned by LPS's parent

18 company; is it not?
op

20 Q And we're in the parent company building
St
21 this morning, right?

w.
23 Q And I've shown you Exhibit 9 and you've read

24 what this form says, correct?
ww
25 A Uh-huh.
367 VALLEY AVENUE

Page 41
m
1 Q And is it your testimony that you did not
2 inquire as to what a P309 -- you didn't do any inquiry
co
3 at all into that?
4
d.
A That's correct.
5 Q Okay. So it's your testimony that because
au
6 it said MSP P309 form, that you did no inquiry
7 whatsoever into that area of examination?
Fr
8 A That's correct.
9 Q And the next sentence of that line of
re
10 inquiry said: This should include all history files
11
su
archived on your system, whether they are delineated
12 as history, past activity or file storing history. Is
clo
13 that correct?
14 A Yes.
re
15 Q And is it your testimony that you cannot go

16 onto any loan on which LPS is active and find the
Fo
17 history, the past activity, or the file storing

18 history?
op
19 A I don't know. Based off of this information

20 that you provided me, yes, it stipulates in this that
St
21 we can do that.
22 Q Okay. And I'm asking you, did you make any
w.
23 inquiry, beyond the first sentence of that area of

24 examination, into whether or not you could provide me
ww
25 the history files on your system with respect to my
367 VALLEY AVENUE

Page 42
m
1 client's loan, whether they were delineated as
2 history, past activity, or file storing history?
co
3 A No.
4
d.
Q So you made no inquiry whatsoever?
5 A No, I did not.
au
6 Q Okay. And isn't it a fact, sir, that you or
7 someone under your control could log into their work
Fr
8 station and print you off whatever documents are there
9 as history, past activity, or file storing history
re
10 with a simple push of a button?
11 A
su
That is correct.
12 Q And it would take less than ten minutes to
clo
13 do so, wouldn't it?
14 A I don't know.
re
15 Q It would simply be a matter of entering my

16 client's loan information and going to that field and
Fo
17 pressing print, wouldn't it?

18 A I don't know.
op
19 Q Would you be surprised if other people

20 testifying about your software system -- or not your
St
21 software system, but Fidelity's software system, said

22 that any information in any field could be printed
w.
23 with the press of a button?

24 A I'm sure they may say that.
ww
25 Q Is your employment principally located in
367 VALLEY AVENUE

Page 43
m
1 Jacksonville, Florida?
2 A Yes, it is.
co
3 Q Do you have employees in this very building
4
d.
where we sit who would have access to that
5 information?
au
6 A I do not have employees in this building.
7 Q Do you have employees in this compound?
Fr
8 A Yes, I do.
9 Q Okay. Because there are about, what -- how
re
10 many buildings are in the compound?
11 A Five.
su
12 Q Okay. So you have employees who work
clo
13 directly for you who could easily gather this
14 information in a matter of moments, right?
re
15 A I don't know whether it's a matter of

16 moments or not.
Fo
17 Q Well, it's 10:00 local time, and I can go

18 ahead and represent to you we're going to be here for
op
19 a while. Do you want to take a break now and find an

20 employee and ask them if they can access that
St
21 information?
22 A No, that's okay.
w.
23 MR. CASH: No, we're here ready to testify.

24 We'll testify to what we're here with.
ww
25 BY MR. WOOTEN:
367 VALLEY AVENUE

Page 44
m
1 Q The next thing that I asked you for with
2 respect to this deposition are: All correspondence,
co
3 images, documents, notes or communications, in
4
d.
whatever form and by whatever medium contained in the
5 client services notes of the Fidelity software for the
au
6 subject loan. As well as, if not previously provided,
7 a definitional code sheet for any codes used to
Fr
8 explain or describe this data.
9 MR. CASH: If we're going to go through
re
10 these one at a time, we would lodge an objection
11
su
to this request, that it's overly broad, it's
12 unclear, it's vague. There is no definition as
clo
13 to, quote, Fidelity software. There is no
14 definition as to the term, quote, Fidelity.
re
15 There is no definition of what client services

16 notes are. Based upon those objections, there
Fo
17 are no documents that are responsive to this

18 specific request. However, and in trying to
op
19 interpret the vague request, we have provided all

20 notes regarding this loan, which are one of the
St
21 first exhibits.
22 MR. WOOTEN: Mr. Cash, I just want to
w.
23 clarify something. You have not appeared of

24 counsel in this lawsuit in DeKalb County,
ww
25 Alabama, have you?
367 VALLEY AVENUE

Page 45
m
1 MR. CASH: Yes, I have. And I have -- my
2 pro hac vice has been granted.
co
3 MR. WOOTEN: And you have local counsel
4
d.
who's also involved in this lawsuit, correct?
5 MR. CASH: That is correct.
au
6 MR. WOOTEN: And that's the firm of Huie
7 Fernambucq in Birmingham, Alabama?
Fr
8 MR. CASH: I believe that's correct.
9 MR. WOOTEN: Did anyone acting on behalf of
re
10 your client file any objections to this 30(b)(6)
11
su
deposition notice?
12 MR. CASH: We're making our objections on
clo
13 the record as to the specific document requests,
14 which we received within about the past ten days.
re
15 MR. WOOTEN: Okay. Today is June the 16th,

16 correct?
Fo
17 MR. CASH: That is correct. This was filed

18 on the 4th. And I received it on about the 6th
op
19 or the 7th. So within less than ten days. And

20 I'm making my objections on the record.
St
21 MR. WOOTEN: I'm aware that you're making

22 your objection on the record. My question is,
w.
23 did anybody make a filed written objection to the

24 areas of inquiry in this 30(b)(6) notice?
ww
25 MR. CASH: Not as far as I know.
367 VALLEY AVENUE

Page 46
m
1 MR. WOOTEN: Did you direct anyone on your
2 behalf or on your client's behalf to file an
co
3 objection in court with respect to this
4
d.
deposition notice?
5 MR. CASH: Nick, I'm not the one being
au
6 deposed here, so I will make my objections on the
7 record.
Fr
8 MR. WOOTEN: Okay. I'm just --
9 MR. CASH: And the record speaks for itself.
re
10 MR. WOOTEN: -- making my record also, Mr.
11
su
Cash, so I'm just asking you, did you direct
12 anyone --
clo
13 MR. CASH: And I'm not answering your
14 questions, Nick. I'm not being deposed here. I
re
15 will state my objections on the record, as I'm

16 entitled to do.
Fo
17 MR. WOOTEN: And I just want to make sure I

18 understand something, because I just want to be
op
19 real clear about this. Your testimony is --

20 MR. CASH: It's not my testimony, I'm going
St
21 to tell you again.

22 MR. WOOTEN: Your offering is --
w.
23 MR. CASH: I'm not under oath here and I'm

24 not testifying. I've been clear on the record
ww
25 and I will make my record. So if you have more
367 VALLEY AVENUE

Page 47
m
1 questions of the witness, feel free to ask him,
2 and I'll make my objections as we go.
co
3 BY MR. WOOTEN:
4
d.
Q Here's my question. Mr. Newland, take all
5 the time you need and look at those documents, and I
au
6 want this answer from you. I want you to tell me
7 under oath, sir, that that's all the documents on your
Fr
8 client's system with respect to this loan.
9 MR. CASH: I'm going to object to the form
re
10 of the question. That's not what was indicated
11 previously.
su
What was indicated previously is
12 it's all documents which were responsive to
clo
13 non-objectionable questions in the 30(b)(6). We
14 will state our objections on the record one by
re
15 one, if we need to go through them, but these are

16 all of the notes back and forth and these are the
Fo
17 documents which are on the Fidelity, as we

18 defined that in the beginning of this, not on any
op
19 affiliate or parent, on the Fidelity system,

20 which was asked for.
St
21 MR. WOOTEN: Okay. You're defining Fidelity

22 as LPS.
w.
23 MR. CASH: No. I'm defining Fidelity as

24 they are in the lawsuit. Fidelity is, and the
ww
25 30(b)(6) is too, defendant, Fidelity National
367 VALLEY AVENUE

Page 48
m
1 Foreclosure & Bankruptcy Solutions, period.
2 There is no other Fidelity defendant in this
co
3 case. That is Fidelity for the purposes of this
4
d.
case. And that is all that Fidelity is for the
5 purpose of this case.
au
6 BY MR. WOOTEN:
7 Q Okay. Mr. Newland, Fidelity National
Fr
8 Foreclosure & Bankruptcy Solutions is now known as
9 what?
re
10 A Lender Processing Solutions.
11 Q Okay.
su
And when did that name change take
12 place?
clo
13 A LPS -- well, it's LPS Default Solutions.
14 Q And when did that take place, sir? When was
re
15 that name change?

16 A I want to say it was March or February of
Fo
17 this year.
18 Q Okay. So as Fidelity National Foreclosure &
op
19 Bankruptcy Solutions is known today, they would not be

20 known as Fidelity, they would be known as LPS or
St
21 Lender Processing Solutions, right?

22 A LPS Default Solutions.
w.
23 Q Okay. So I'm going to ask you, Mr. Newland,

24 this question. Is it your testimony that the
ww
25 documents which your counsel has handed to me today
367 VALLEY AVENUE

Page 49
m
1 are all of the documents with respect to my client's
2 loans which are available or may easily be accessed
co
3 through use of the software known as MSP, which is
4
d.
owned by your parent company, Fidelity, with respect
5 to my client's loan?
au
6 MR. CASH: Object to the form of the
7 question. It's beyond the scope of the 30(b)(6).
Fr
8 If you know the answer to that, you can answer
9 it.
re
10 THE WITNESS: I don't know.
11 BY MR. WOOTEN:
su
12 Q Who's the person who is in your employ who
clo
13 has the most knowledge about what documents, images,
14 notes, and information are available through the MSP
re
15 software which LPS employs?

16 A I don't know off the top of my head, sir.
Fo
17 Q Do you have a manager of technology or a

18 vice president of technology?
op
19 A Yes, we do.
20 Q And that's with LPS?
St
21 A Yes.
22 Q And they are in this compound that we're
w.
23 here at today?
24 A I don't know whether they're in this
ww
25 compound or up in our Minnesota location.
367 VALLEY AVENUE

Page 50
m
1 Q And --
2 THE VIDEOGRAPHER: Excuse me. I'm sorry,
co
3 can I take a moment to change tape?
4
d.
MR. WOOTEN: Certainly.
5 THE VIDEOGRAPHER: Off record at 10:07.
au
6 (Off the record discussion.)
7 THE VIDEOGRAPHER: Going back on record at
Fr
8 10:10, beginning of Videotape No. 2.
9 BY MR. WOOTEN:
re
10 Q The next area of inquiry that we delineated
11
su
in our 30(b)(6), Mr. Newland, was: Testimony and
12 documents regarding all correspondence, images,
clo
13 documents, notes or communications, in whatever form
14 and by whatever medium contained in the foreclosure
re
15 notes of the Fidelity software for the subject loan.

16 As well as a definitional code sheet for any codes
Fo
17 used to explain or describe this data.

18 Now, we've established that Fidelity
op
19 software means MSP. I'm assuming that LPS only uses

20 MSP; is that correct?
St
21 A No, that's not correct.

22 Q What other software platforms does LPS use
w.
23 other than MSP, please, sir?

24 A We have Fiserv that we utilize for -- I
ww
25 mean, all clients are different as far as different
367 VALLEY AVENUE

Page 51
m
1 mortgage services software.
2 Q Let me stop you, because I hear what you're
co
3 saying, you're talking about some other issues. I'm
4
d.
talking about with respect to the foreclosure work
5 that LPS does, are there any other software platform
au
6 that your employees at LPS utilize other than your
7 parent company software, MSP?
Fr
8 A Yes, there other -- there is other platforms
9 that we utilize.
re
10 Q Okay. Tell me the names of each of those
11
su
other platforms, please, sir.
12 A For different clients, we utilize our
clo
13 updated Fiserv MortgageServ.
14 Q Let me just -- slow down just a second for
re
15 me. Fiserv, F-I-S-E-R-V?

16 A I believe.
Fo
17 Q And what exactly does that software do,

18 please, sir?
op
19 A It's known as -- well, it's basically a

20 mortgage servicing platform, if that's what you're
St
21 asking, if we update other mortgaging servicing

22 platforms, yes, we do.
w.
23 Q What do you do with Fiserv?

24 A We just update different screens.
ww
25 Q You update different screens?
367 VALLEY AVENUE

Page 52
m
1 A Uh-huh.
2 Q Is that a vehicle by which you provide data
co
3 to your clients?
4
d.
A Yes.
5 Q Tell me what screens you are aware of Fiserv
au
6 updates.
7 A I do not know.
Fr
8 Q Who in your employ would be the person with
9 the most knowledge about that?
re
10 A Probably our securities area.
11 Q
su
Who is that person?
12 A I don't know off the top of my head.
clo
13 Q Would Fiserv also be the vehicle by which
14 your firm delivered bills to its customers?
re
15 A No.
16 Q Is Fiserv the vehicle by which your company
Fo
17 would add fee charges to customer accounts?

18 A We do not add --
op
19 MR. CASH: Objection to the form.

20 Q You can answer if you know.
St
21 A We do not add fees.

22 Q Okay. When LPS provides services to its
w.
23 clients, does it charge fees?

24 A No.
ww
25 Q I'm sorry?
367 VALLEY AVENUE

Page 53
m
1 A To our clients, no.
2 Q Okay. Let me ask it another way. When you
co
3 provide services to the mortgage servicers which hire
4
d.
you to do foreclosure work, do you charge fees for
5 that work?
au
6 A No, we don't.
7 Q Okay. Tell me what you charge, how you get
Fr
8 paid for the work that you do, please, sir.
9 MR. CASH: I'm going to object to that
re
10 question. That's proprietary, and there's no
11
su
reason to go into it based upon the allegations
12 set forth in this lawsuit. There's no relevance
clo
13 based upon any claim being made in this lawsuit.
14 Unless, Nick, you can point me to one of the
re
15 allegations in here that supports that question.

16 MR. WOOTEN: Well, let's do this, Mr. Cash.
Fo
17 We'll come back to that question in a few

18 minutes. I don't want to get too far out of
op
19 order.
20 MR. CASH: Okay. The objection will be the
St
21 same later, but --

22 MR. WOOTEN: That'll be fine. You'll be
w.
23 welcome to make it.

24 BY MR. WOOTEN:
ww
25 Q Make sure I understand this, Mr. Newland.
367 VALLEY AVENUE

Page 54
m
1 LPS have contracts with the attorneys who provide
2 services with respect to foreclosures and bankruptcies
co
3 who are partners of LPS?
4
d.
A Yes.
5 Q And do those contracts set forth the fees
au
6 which those attorneys will charge for standard
7 services?
Fr
8 A No.
9 Q Do those contracts provide for the payment
re
10 of a referral fee from those attorneys to LPS?
11 A No.
su
12 Q Does LPS have contracts with those mortgage
clo
13 servicers for which it provides default services?
14 A Yes.
re
15 Q How many mortgage servicers does LPS provide

16 default services for, please, sir?
Fo
17 A Approximately 34.
18 Q And 34 servicers, what percentage of the
op
19 mortgage servicers existing in America today is

20 represented by that 34?
St
21 MR. CASH: Objection. That's not relevant.

22 You don't have to answer it. Unless you can show
w.
23 me how that's supported in any way by your

24 complaint in this case, Nick.
ww
25 MR. WOOTEN: Mr. Cash --
367 VALLEY AVENUE

Page 55
m
1 MR. CASH: Yes, sir.
2 MR. WOOTEN: -- are the rules with respect
co
3 to deposition question objections different in
4
d.
Texas than they are in Alabama?
5 MR. CASH: Not materially. So, for
au
6 something to be discoverable, it must be relevant
7 or it must be reasonably likely to lead -- and it
Fr
8 must be reasonably likely to lead to discovery of
9 admissible evidence. So the first threshold is
re
10 relevance. If something is irrelevant --
11 MR. WOOTEN:
suSo I just want to make sure,
12 you're making a legal ruling --
clo
13 MR. CASH: I just want to make sure that I
14 get it on the record.
re
15 MR. WOOTEN: -- with respect to whether or

16 not your client can answer a deposition question.
Fo
17 MR. CASH: No, sir, I'm not making a legal

18 ruling. What I'm saying is that the question
op
19 you're asking is not relevant, and I'm not going

20 to let you go on a fishing expedition, because
St
21 it's harassing and it's not relevant to any issue

22 in this case.
w.
23 If you will point out to me any way in which

24 it is relevant based upon the complaint on file,
ww
25 I may withdraw or reconsider the objection.
367 VALLEY AVENUE

Page 56
m
1 That's what I'm saying.
2 MR. WOOTEN: So what I want to make clear
co
3 is, is that we've all traveled to Jacksonville,
4
d.
Florida, to take this deposition.
5 MR. CASH: Yes, sir, we have.
au
6 MR. WOOTEN: And you're making an objection
7 and specifically instructing your witness not to
Fr
8 answer the question rather than making your
9 objection and allowing him to answer the question
re
10 and preserving the issue for the Court.
11 MR. CASH:
su
What I am saying is, that we are
12 not going to go far afield and do a fishing
clo
13 expedition here. I am more than happy to call
14 the Court, if you want to do that. If you want
re
15 to call the Court and get guidance ahead of

16 time --
Fo
17 MR. WOOTEN: Sure, why don't you run out

18 there and call the Court, that'll be fine. We'll
op
19 keep taking the deposition.

20 MR. CASH: They're your questions. If you
St
21 would like the Court to get involved, I'm happy

22 to do so.
w.
23 MR. WOOTEN: No, I just want to make sure we

24 have a record, that you are here and you're
ww
25 telling your client not to answer. That's all I
367 VALLEY AVENUE

Page 57
m
1 want to make a record of.
2 MR. CASH: What I am telling my client to
co
3 do, and the record is very clear and you don't
4
d.
have to repeat it, I'm telling my client not to
5 answer irrelevant fishing expedition questions.
au
6 And I'm also at the same time giving you every
7 opportunity to show me anywhere in your complaint
Fr
8 that makes that question relevant and I will
9 reconsider that instruction. You have declined
re
10 to do so.
11 MR. WOOTEN:
su I don't have to show you where
12 it's relevant. You have a right to object --
clo
13 MR. CASH: Then --
14 MR. WOOTEN: -- he can answer and the Court
re
15 can rule whether the question is relevant or not

16 when we can go back in front of the Court.
Fo
17 MR. CASH: I also have the right to object.

18 And if I feel that it is harassment and it is far
op
19 afield, then I have the right to instruct him not

20 to answer under the Alabama rules and the federal
St
21 rules.
22 MR. WOOTEN: Well, that'll be fine, but the
w.
23 next time we take this deposition it'll be in

24 DeKalb County, Alabama, it won't be in
ww
25 Jacksonville. Okay?
367 VALLEY AVENUE

Page 58
m
1 MR. CASH: I didn't know you had that kind
2 of power.
co
3 MR. WOOTEN: Well, you just keep doing this
4
d.
and you'll see.
5 MR. CASH: Well, I'm trying to -- Nick, if
au
6 you will ask questions that are supported by this
7 complaint --
Fr
8 MR. WOOTEN: I'm going to ask the
9 questions --
re
10 MR. CASH: -- I will absolutely sit here and
11 be quiet.
su
12 MR. WOOTEN: -- I want to ask, and you can
clo
13 object to them.
14 MR. CASH: Well, see, therein lies the
re
15 problem --
16 MR. WOOTEN: And if you don't like them --
Fo
17 MR. CASH: -- you don't get to ask anything

18 and everything.
op
19 MR. WOOTEN: If you don't like the

20 questions, object to them and the Court can rule.
St
21 MR. CASH: I have. And I will tell my --

22 MR. WOOTEN: But to sit here and tell your
w.
23 client not to answer questions --

24 MR. CASH: Here's what you don't get to do,
ww
25 Nick, what you don't get to do is to go into this
367 VALLEY AVENUE

Page 59
m
1 entire fishing expedition that has nothing to do
2 with this lawsuit and gather all this information
co
3 and then later have the Court rule, well, all of
4
d.
it was irrelevant, but it really doesn't matter
5 to you, because you've gone ahead and gathered it
au
6 for your purposes. We're not going to do that
7 here today.
Fr
8 MR. WOOTEN: You know what --
9 MR. CASH: And you know what, if we have to
re
10 come to DeKalb County and take the deposition
11
su
again, so be it, that is an expense that I will
12 incur.
clo
13 MR. WOOTEN: Well, that'll be fine.
14 MR. CASH: All right, then. Why don't you
re
15 quit fussing at me and just ask your questions.

16 MR. WOOTEN: Well, why don't you quit
Fo
17 interfering with my deposition.

18 MR. CASH: I'm not interfering, I'm just
op
19 making my objections and making my instructions.

20 I haven't engaged you at all, Nick. I've just
St
21 made my objections for the record.

22 MR. WOOTEN: No, but you're instructing your
w.
23 witness not to answer.

24 MR. CASH: I know what I'm doing, I'm not
ww
25 engaging you, so why don't you --
367 VALLEY AVENUE

Page 60
m
1 MR. WOOTEN: That's fine.
2 MR. CASH: -- just pay attention to your
co
3 deposition and take it, and I'll do my job, you
4
d.
do yours.
5 MR. WOOTEN: Okay. If you won't interfere
au
6 with my deposition, I'll --
7 MR. CASH: I'm not interfering with it,
Fr
8 brother, I'm just making objections to
9 objectionable questions. Stop asking
re
10 objectionable questions and we will sail along.
11
su
I didn't say a word for the first hour of this
12 deposition.
clo
13 MR. WOOTEN: Yeah, well, we were talking
14 about where your client worked --
re
15 MR. CASH: Nothing objectionable.

16 MR. WOOTEN: -- before he got here.
Fo
17 MR. CASH: Nothing objectionable.

18 MR. WOOTEN: That's right.
op
19 MR. CASH: I don't object if it's not

20 objectionable, Nick.
St
21 MR. WOOTEN: You know what, I hope you enjoy

22 this veil of secrecy as long as you can, because
w.
23 it ain't going to last.

24 MR. CASH: It's not a veil of secrecy, I'm
ww
25 happy to tell you things that are relevant to
367 VALLEY AVENUE

Page 61
m
1 this lawsuit. But if you want to go fishing, you
2 ought to be in the Gulf, not in this conference
co
3 room.
4
d.
BY MR. WOOTEN:
5 Q Mr. Newland, have you testified or been
au
6 requested to testify in front of a grand jury with
7 respect to the practices of LPS with regards to its
Fr
8 foreclosure and bankruptcy practices?
9 A No, I have not.
re
10 Q Are you aware of a pending federal
11
su
investigation by the United States Department of
12 Justice or the United States bankruptcy trustee office
clo
13 regarding your business's foreclosure and bankruptcy
14 practices?
re
15 A No, I'm not.

16 Q So your testimony's that you have not
Fo
17 received any notification that there is an active

18 federal investigation of your company's practices?
op
19 A No.
20 MR. CASH: Objection to form. Go ahead.
St
21 THE WITNESS: No, I have not.

22 BY MR. WOOTEN:
w.
23 Q Are you aware that there is an active

24 investigation by the State of Connecticut with regard
ww
25 to similar issues?
367 VALLEY AVENUE

Page 62
m
1 A No, I'm not.
2 Q Have you been asked to testify or produce
co
3 any documents from your client with respect to these
4
d.
issues?
5 A No, I have not.
au
6 Q And your testimony here today is, is that
7 you cannot tell me the person in your employ who can
Fr
8 tell me what exactly the data is that is provided to
9 your clients through the Fiserv software?
re
10 A No, I cannot.
11 Q
su
Tell me each person who is directly
12 answerable to you on a day-to-day basis with respect
clo
13 to management. Do you have vice presidents who work
14 for you?
re
15 A Yes, I do.
16 Q Okay. How many of them?
Fo
17 A I have two vice presidents that work for me.

18 Q Okay. And who are they, please, sir?
op
19 A Charles -- or, I'm sorry, Tara Engle.

20 Q Can you spell that for me, please, sir?
St
21 A T-A-R-A, last name Engle, E-N-G-L-E.

22 Q What is her title, please, sir?
w.
23 A Vice president of special assets.

24 Q And does LPS have a definition of special
ww
25 assets, please, sir?
367 VALLEY AVENUE

Page 63
m
1 A I believe I told you that earlier.
2 Q Okay. This -- what you mentioned earlier,
co
3 that was not with respect to a different client?
4
d.
A No.
5 Q Or different employment?
au
6 A No.
7 Q Who is the other vice president who works
Fr
8 for you, please, sir?
9 A James Richards. Would you like me to spell
re
10 that?
11 Q
su
I think I can handle that one, Mr. Newland.
12 A All right. Okay.
clo
13 Q And what is his title, please, sir?
14 A He is vice president of special assets also.
re
15 Q And are both of those individuals who are in

16 your employ located here in Jacksonville?
Fo
17 A One is located here in Jacksonville and the

18 other one is located in West Palm Beach, work at home.
op
19 Q Okay. Are there any vice presidents who are

20 not directly answerable to you who also work in LPS,
St
21 either in this facility or in the Mendota Heights

22 facility?
w.
23 A Are there any other vice presidents in

24 Lender Processing Services?
ww
25 Q Who answer directly to you --
367 VALLEY AVENUE

Page 64
m
1 A No.
2 Q -- either here or in Mendota Heights,
co
3 Minnesota?
4
d.
A No, not vice presidents.
5 Q Okay. What other persons answer directly to
au
6 you with respect to day-to-day activities of LPS?
7 A Can you clarify the question one more time,
Fr
8 please.
9 Q I'm assuming that you have a management team
re
10 of some sort that answers to you?
11 A Yes, I do.
su
12 Q Okay. On more or less a daily, weekly type
clo
13 basis?
14 A Yes.
re
15 Q Okay. And I'm assuming that Tara Engle and

16 James Richards are not the only members of that
Fo
17 management team?
18 A No, there's two other members.
op
19 Q Who else is there?

20 A Charles Martisek.
St
21 Q I can handle, Charles, but will you try

22 Martisek --
w.
23 A Sure.
24 Q -- for me?
ww
25 A M-A-R-T-I-S-E-K.
367 VALLEY AVENUE

Page 65
m
1 Q And what is his title, please?
2 A Assistant vice president, attorney
co
3 management.
4
d.
Q And what does his job involve?
5 A He basically manages our attorney network.
au
6 Q Okay.
7 A Or part of our attorney network.
Fr
8 Q What part does he manage?
9 A Basically the Court foreclosure steps, which
re
10 basically means provides a conduit for our clients'
11
su
communications with the attorneys.
12 Q Is that accomplished through a particular
clo
13 portion of the software employed by LPS known as MSP?
14 A No.
re
15 Q Is it accomplished through some other

16 software portal which is employed by LPS?
Fo
17 A Yes.
18 Q And what is the name of that portal, please,
op
19 sir?
20 A Process Management.
St
21 Q And please tell me everything which Process

22 Management provides to your attorney network.
w.
23 A Basically it's the communication work flow

24 process, in which we help manage the attorneys as far
ww
25 as it goes, as far as the foreclosure or bankruptcy
367 VALLEY AVENUE

Page 66
m
1 action.
2 Q Is the Process Management system -- is
co
3 compliance with the Process Management system by your
4
d.
attorney network the measure by which your attorney
5 network receives their APR rating with your company?
au
6 A Can you clarify that question again?
7 Q Sure. I understand that your Process
Fr
8 Management system sets forth guidelines or time lines
9 within which your attorneys must complete certain
re
10 actions; is that correct?
11 A
su
That is correct.
12 Q Okay. And those guidelines are set forth by
clo
13 Fidelity to your attorney members; is that correct?
14 A No, it's not correct.
re
15 Q Okay. Tell me how those guidelines are

16 determined please, sir.
Fo
17 A They are guidelines that are determined by

18 the clients.
op
19 Q And in this respect, who are the clients,

20 please, sir?
St
21 A Servicers.
22 Q Is it your testimony here today that
w.
23 Fidelity does not set the guidelines within which

24 certain tasks must be accomplished by your attorney
ww
25 network?
367 VALLEY AVENUE

Page 67
m
1 A No, we do not.
2 Q And you have 34 servicers who use your
co
3 network, correct?
4
d.
A That is correct.
5 Q You have 34 --
au
6 A Approximately.
7 Q You have 34 different sets of guidelines?
Fr
8 A Yes, we do.
9 Q And 34 different sets of time lines, I
re
10 assume then?
11 A
su
Not necessarily.
12 Q The time line aspect of this issue, is it
clo
13 your testimony that Fidelity does not control that?
re
15 Q Excuse me. Let me rephrase that. Is it

16 your testimony that LPS does not control the time line
Fo
17 process?
op
19 Q Besides work flow management, what other

20 information is provided to your attorneys through the
St
21 Process Management?
22 A In what respect?
w.
23 Q Work flow management, please explain to me

24 everything you understand the work flow management
ww
25 portion of Process Management to entail.
367 VALLEY AVENUE

Page 68
m
1 A Basically what we do is, we provide the
2 mechanism as far as steps that need to be completed by
co
3 the attorneys in reference to the actions that they're
4
d.
taking. If they need some type of information, we
5 have the ability for the attorneys to open up what is
au
6 called issues or processes to request those items, and
7 then we will go out and look for those items and/or
Fr
8 work with the clients in reference to obtaining that
9 information.
re
10 MR. CASH: Nick, for the record, all the
11
su
Process Management notes are this top group of
12 back and forth that have been produced.
clo
13 MR. WOOTEN: These were previously produced.
14 MR. CASH: And those are on this loan on the
re
15 Process Management.
16 MR. WOOTEN: This is -- these are the
Fo
17 process notes, which is Page 1 of 25.

18 MR. CASH: Correct.
op
19 MR. WOOTEN: And I have those marked in

20 another exhibit.
St
21 MR. CASH: Okay.

22 MR. WOOTEN: I'm going to mark this
w.
23 cumulatively, give me just a second, I'm going

24 to -- I'm not going to try to go back through and
ww
25 pull that apart for us to look at it.
367 VALLEY AVENUE

Page 69
m
1 I'm going to mark what you produced today as
2 a cumulative exhibit, Plaintiffs' Exhibit 24.
co
3 And just again, so that it's on the record with
4
d.
this marking, please tell me again for the record
5 exactly what that represents.
au
6 MR. CASH: These are documents that were
7 responsive to the request for documents served
Fr
8 with the 30(b)(6). They are the documents that,
9 subject to the objections that we made and will
re
10 continue to make as specific issues are directed,
11
su
that we could ascertain were responsive to that
12 request, to those requests.
clo
13 MR. WOOTEN: Fine. I'm going to leave that
14 sitting right there.
re
15 And I apologize, Madam Court Reporter, for

16 marking this stuff out of order. I didn't intend
Fo
17 to do it that way.
op
19 identification.)
20 Q Issues. If an attorney is trying to
St
21 foreclose on a house and he says, hmm, LPS, these

22 folks say they paid this loan off with the insurance
w.
23 proceeds, that would come up as an issue, right?

24 A Yes, it would.
ww
25 Q So your lawyer out in the world, in this
367 VALLEY AVENUE

Page 70
m
1 case, Birmingham, if they were told by my client's
2 lawyer or other lawyer that they paid the loan off
co
3 with insurance proceeds, he would come back and he
4
d.
would create an issue and say, oh, by the way, this
5 loan is supposed to be paid off, tell me what I'm
au
6 supposed to do, right?
Fr
8 Q And then who would respond to that issue?
9 A Somebody based off of the issue would
re
10 respond accordingly, whatever the issue would be. In
11
su
this case, probably be an insurance claim issue that
12 would be raised, and which at that time, we would
clo
13 provide that information over to the client.
14 Q All right. And so, your testimony is, is
re
15 that LPS would then receive the issue from the

16 attorney and then relay the issue to, in this case,
Fo
17 Option One?
op
19 Q And LPS would not take any initiative to

20 make any decision, they would simply wait on Option
St
21 One to tell them what to tell the attorney?

w.
23 Q Other than Process Management, are there any

24 other software or software modules or devices which
ww
25 are used to communicate with your attorney network?
367 VALLEY AVENUE

Page 71
m
1 A Not software, no.
2 Q In what other ways do you communicate with
co
3 your attorney network?
4
d.
A Primarily through the Process Management
5 system.
au
6 Q Okay. What is NewTrak?
Fr
8 Q Is that also called FIS Desktop now?
9 A No, it's not.
re
10 Q Is there another term for NewTrak other than
11 NewTrak?
su
clo
13 Q Is it safe to say that what I refer to as
14 NewTrak is basically a sectioned off or separate
re
15 portion of software that deals strictly with

16 communications between LPS and the attorneys?
Fo
17 A No.
18 Q Other than the attorneys and the LPS
op
19 employees, who else accesses Process Management?

20 A Our clients, servicers.
St
21 Q Okay. So whatever information is in the

22 Process Management system is accessed by any user of
w.
23 the servicer, as well as any employee of LPS assigned

24 to work on the loan, as well as the attorney and
ww
25 anybody designated by the attorney to use that
367 VALLEY AVENUE

Page 72
m
1 software?
co
3 Q What is New Image?
4
d.
A New Image is an imaging platform.
5 Q Does LPS still refer to New Image by that
au
6 name?
7 A Does -- can you clarify the question one
Fr
8 more time?
9 Q Has New Image been renamed as part of the
re
10 LPS spinoff?
11 A Yes, it has.
su
12 Q What is it now referred to as?
clo
13 A Document Management.
14 Q Is there an iteration of Document Management
re
15 that you're operating out of now?

16 A Yes.
Fo
17 Q What is that?
18 A I don't recall what the name is.
op
19 Q What is your understanding of Document

20 Management, what does it do?
St
21 A Document Management is just part of the

22 system that we go in and review documents that are
w.
23 imaged.
24 Q I'm sorry, what documents?
ww
25 A What documents?
367 VALLEY AVENUE

Page 73
m
1 Q You said you --
2 MR. CASH: He didn't hear the end of your
co
3 sentence.
4
d.
Q I'm sorry.
5 A Oh. Just -- it's the platform that we
au
6 utilize to view documents associated with the loans.
7 Q Are there any word processing functions
Fr
8 within Document Management?
9 A Not that I know of.
re
10 Q Is Document Management also a platform by
11
su
which documents are provided to both attorneys who are
12 part of your network and clients?
clo
13 A Yes.
14 Q And isn't it true that each time a document
re
15 is uploaded into MSP, there is a record made of what

16 the document's identity is and when it was uploaded?
Fo
17 A I don't know that.

18 Q If the documents you have produced indicate
op
19 that, you would not dispute it, would you?

20 A I don't know.
St
21 Q Would Mr. Martisek be a person more

22 knowledgeable about what is involved with Document
w.
23 Management and what its capacities and capabilities

24 are than you, Mr. Newland?
ww
25 A I don't believe so.
367 VALLEY AVENUE

Page 74
m
1 Q So, again, is it your testimony that someone
2 in security would be the person to talk to about that?
co
3 A I don't know that answer.
4
d.
Q Is it possible that someone on the floor
5 interacting with files on a daily basis would know
au
6 more about what the Document Management capacities and
7 abilities are than you do as you sit here today?
Fr
8 A I don't know.
9 Q Have you made any inquiry?
re
10 A No, I have not.
11 Q
su
Are you familiar with whether or not there
12 is a section of the software which LPS employs which
clo
13 provides a list of all the images associated with a
14 loan account?
re
15 A What software?
16 Q MSP.
Fo
17 A No, I do not.
18 Q What about Document Management?
op
19 A Yes.
20 Q And there is a screen which sets forth every
St
21 document associated with a loan file; is that correct?

22 A That is correct in Document Management.
w.
23 Q And it is a matter of simply going in and

24 selecting those documents to view them or to print
ww
25 them, isn't it?
367 VALLEY AVENUE

Page 75
m
1 A Yes, we can print those documents.
2 Q Have you produced those documents with
co
3 respect to Larry David Wood and Karen Wilborn Wood's
4
d.
loan today as part of your document that I've
5 marked --
au
6 A Yes, we have.
7 Q -- as Plaintiffs' Exhibit 24?
Fr
8 A Yes, we have.
9 Q Okay. So it's your testimony that every
re
10 document associated with this loan that is part of the
11
su
Document Management system has been produced as part
12 of what you brought today?
clo
13 A Yes, it has.
14 Q Do you know if every document associated
re
15 with this loan was produced previously through written

16 discovery?
Fo

18 Q If a member of an attorney network requests
op
19 an assignment of a mortgage for purposes of the

20 foreclosure, is that the type of document which would
St
21 be uploaded into Document Management and provided to

22 the attorney?
w.
23 A Yes, it would.
24 Q If an attorney requests an affidavit in
ww
25 support of a motion for relief from stay, is that the
367 VALLEY AVENUE

Page 76
m
1 type of document that would be executed and uploaded
2 into Document Management and provided to the attorney?
co
3 A Yes, it would.
4
d.
Q Is it your understanding that those
5 documents contain information about when they were
au
6 created and by whom?
7 A Repeat that question again.
Fr
8 Q Is it your understanding that the
9 origination of that electronic data in the form of a
re
10 document file would contain the information about when
11
su
those documents were created or when those documents
12 were uploaded into the system?
clo
13 A Yes, it would.
14 Q If an LPS employee executed an affidavit or
re
15 an assignment and uploaded it into Document

16 Management, that electronic document would contain the
Fo
17 information about what employee prepared that document

18 and when they prepared it, would it not?
op
19 A The upload would -- would state the time

20 stamp for that, yes.
St
21 Q And if that document which was uploaded by

22 the employee of LPS were received from some other
w.
23 entity, it would also indicate that as well, wouldn't

24 it?
ww
25 A Yes, it should.
367 VALLEY AVENUE

Page 77
m
1 Q So if an employee of Fidelity requested an
2 assignment of a mortgage from a servicer and the
co
3 servicer provided that document to the employee of
4
d.
LPS, the electronic data would show when that took
5 place?
au
6 A Yes.
7 Q And it would show who was responsible for
Fr
8 obtaining or providing that mortgage assignment?
9 A It would basically track when the assignment
re
10 would go out for signature and when it would come back
11
su
and then transfer over to the attorney.
12 Q You said it would track when the document
clo
13 went out for signature.
14 A Date and time stamp.
re
15 Q Okay. Explain that for me, please, sir.

16 You said it would go -- it would track when it went
Fo
17 out. Are you indicating that if an assignment was

18 requested, that an employee of LPS might prepare the
op
19 assignment and then send it to be signed?

20 A We don't -- we don't prepare the
St
21 assignments.
22 Q Okay. When you say it goes out, explain
w.
23 what you mean.

24 A We funnel that either to the client or the
ww
25 investor for signature.
367 VALLEY AVENUE

Page 78
m
1 Q Okay. So it's your testimony that employees
2 of LPS never sign mortgage assignments?
co
3 A I did not testify to that.
4
d.
Q Mortgage assignment is requested by an
5 attorney for foreclosure or bankruptcy purposes. The
au
6 records in the Process Management notes would indicate
7 when that request was made, would it not?
Fr
8 A Yes, it would.
9 MR. CASH: Nick, I've already asked a lot of
re
10 these questions. Is there an allegation about
11
su
mortgage assignments in this case?
12 MR. WOOTEN: There is an issue with respect
clo
13 to that, yes.
14 MR. CASH: Okay. I thought there was, I
re
15 just wanted to make sure, because I hadn't seen

16 it in the allegations.
Fo
17 BY MR. WOOTEN:
18 Q With respect to the request for the document
op
19 which would've been made by the attorney or the

20 client, there would be a concomitant entry in the LPS
St
21 system indicating that that request had been received,

22 right?
w.
24 Q And then there would be entries regarding
ww
25 what action was taken to procure that document?
367 VALLEY AVENUE

Page 79
m
2 Q And then that document would then -- you
co
3 said it would be sent out for execution?
4
d.
A Well, it depends -- depends on if we have
5 power of attorney from, or corporate resolution from
au
6 the client based off of the entity involved.
7 Q That's interesting that you mention that.
Fr
8 Your employees at LPS and part of your process is that
9 you seek to obtain these powers of attorney from your
re
10 various clients for just such an occasion as this,
11
su
correct, preparing documents for their foreclosure and
12 work?
clo
13 A We don't -- we don't prepare the documents.
14 Q Or executing documents?
re
15 A If we have corporate resolution or power of

16 attorney, we can exercise the document.
Fo
17 Q And that would be based off of a form

18 provided by the client?
op
20 Q Okay. It would not be based off of the data
St
21 provided to your LPS employees by the client?

22 A What do you mean by the data provided by the
w.
23 client? I don't understand that question.

24 Q Okay. Let's say that in this particular
ww
25 case that a particular securitized trust was supposed
367 VALLEY AVENUE

Page 80
m
1 to be the owner of this particular mortgage. Okay?
2 A Uh-huh.
co
3 Q And I think your position in this case is,
4
d.
is Option One asked Mr. Humphrey to foreclose on this
5 property, correct?
au
6 MR. LAWLER: Objection. I don't want to get
7 into any kind of conversations between
Fr
8 Mr. Humphrey and Fidelity or Option One.
9 BY MR. WOOTEN:
re
10 Q Someone at some point requested Mr. Humphrey
11
su
foreclose on the Wood property, right?
clo
13 Q And so if the mortgage were not assigned to
14 the specific securitized trust at that time, it would
re
15 have been necessary to obtain an assignment allowing

16 that securitized trust to foreclose, correct?
Fo
17 MR. CASH: Object to the extent it calls for

18 a legal conclusion. But if you know, you can
op
19 answer.
20 A I don't know.
St
21 Q Is it -- is it safe to say that your

22 understanding is that the only person who can
w.
23 foreclose is the owner of the debt secured by the

24 mortgage?
ww
25 A I don't know.
367 VALLEY AVENUE

Page 81
m
1 Q You've been in collection and finance your
2 whole professional career?
co
3 A That's correct.
4
d.
Q And you are in charge of a company whose
5 business is to foreclose and manage bankruptcy and
au
6 foreclosure processes?
Fr
8 Q And your testimony is, is that you do not
9 know generally who is entitled to foreclose?
re
10 A No.
11 Q
su
Just wanted to be sure. Have you ever asked
12 anyone that kind of question?
clo
13 A Yes.
14 Q And did they provide you any information?
re
15 A Different states have different...

16 Q Right. Like a deed -- a deed of trust
Fo
17 state, the trustee of the deed of trust has the right

18 to foreclose, right?
op
19 A I don't know.
20 Q So what you learned from your inquiry was
St
21 that different states have different rules?

22 A Yes.
w.
23 Q Other than the Process Management and the

24 Document Management, how do you refer to those things
ww
25 internally, do you call them platforms, modules? I
367 VALLEY AVENUE

Page 82
m
1 mean, how do y'all talk about those things? Do you
2 talk about them by name, what do you do?
co
3 A I'm not sure I understand your question.
4
d.
Q Well, you say you had this Document
5 Management system and you've got this Process
au
6 Management system.
7 A Uh-huh.
Fr
8 Q Do you have names for those internally or do
9 you simply refer to it as Process Management, Document
re
10 Management?
11 A
su
We refer to them as Process Management and
12 Document Management systems.
clo
13 Q Then they're not considered to be products
14 or services offered by LPS to its clients in any way?
re
15 A No, it is offered to the clients.

16 Q Are there any other services or processes
Fo
17 that LPS provides, other than Document Management and

18 Process Management?
op
19 A We offer invoice management.

20 Q And what is the name of your invoice
St
21 management software?
22 A Invoice Management.
w.
23 Q Simple enough.
24 MR. CASH: We're not creative. We don't
ww
25 have any cool names.
367 VALLEY AVENUE

Page 83
m
1 MR. WOOTEN: Corporations generally aren't.
2 BY MR. WOOTEN:
co
3 Q With respect to Invoice Management, there is
4
d.
also a screen within your software where you can go to
5 and review every invoice associated with any
au
6 particular loan file; is that correct?
7 A That's associated with that file, yes.
Fr
8 Q And so if a foreclosure attorney has
9 submitted a bill for fees, that would be available
re
10 through Invoice Management?
11 A
su
If the client utilizes Invoice Management,
12 yes.
clo
13 Q It's your testimony that some do and some do
14 not?
re
15 A Yes.
16 Q Okay. Invoice Management, does your
Fo
17 company, LPS, charge any fee for that service?

18 A To who?
op
19 Q To anyone who utilizes that service, be it

20 the servicer or the attorney network?
St
21 A Yes, there is a fee that is assessed to the

22 attorney network.
w.
23 Q Tell me about that fee.

24 A I don't know what the fee is.
ww
25 Q So if the foreclosing attorney provides a
367 VALLEY AVENUE

Page 84
m
1 bill through Invoice Management for $500, Fidelity
2 then turns around and bills the attorney for using the
co
3 Invoice Management system; is that what happens?
4
d.
A You'd have to ask somebody with our Invoice
5 Management department.
au
6 Q Okay. Who is that?
7 A Off the top of my head, I don't know.
Fr
8 Q Does LPS not have a person involved with
9 Invoice Management?
re
10 A Yes, we do.
11 Q
su
Do you have a manager of that department?
12 A Yes, but I don't know who it is off the top
clo
13 of my head.
14 MR. WOOTEN: Mike, can you find that out for
re
15 me, please.
16 MR. CASH: I'll find that out.
Fo
17 MR. WOOTEN: And I'm going to ask this, and

18 I know you're going to say you don't know, but
op
19 what I'm interested in is the person who is most

20 knowledgeable about how that system works with
St
21 respect to your -- both your attorney network and

22 your servicer clients. So if y'all will check on
w.
23 that and let me know, I'd appreciate it.

24 BY MR. WOOTEN:
ww
25 Q Is it your understanding that the servicers
367 VALLEY AVENUE

Page 85
m
1 do not pay any fees for use of Invoice Management?
2 A I don't know. I don't know that question.
co
3 Q If they utilize Invoice Management, would it
4
d.
be part of their monthly billing rather than
5 separately billed?
au
6 A I don't understand. Monthly billed to who?
7 Q Do your servicers not pay a monthly fee for
Fr
8 the use of your services with respect to LPS?
9 A Which part of LPS?
re
10 Q Foreclosure or bankruptcy.
11 A
su
I don't know.
12 Q What other part of LPS is there other than
clo
13 foreclosure and bankruptcy?
14 A There is no other part for LPS Default
re
15 Solutions.
16 Q Okay. So you asked me what part of LPS I
Fo
17 was referring to, but you don't know with respect to

18 either one of them if the servicers pay a fee to use
op
19 that service?
St
21 Q Do you have a contract with each of the

22 servicers who use your service?
w.
23 A Yes, we do.
24 Q Is it safe to say that if they pay for your
ww
25 services, that contract would set forth what and how
367 VALLEY AVENUE

Page 86
m
1 they pay you?
2 A I don't know.
co
3 Q Have you --
4
d.
A I don't know whether it's in the contract or
5 not. I have not reviewed the contract.
au
6 Q So you wouldn't know if your contract said
7 pay it in Swiss cheese, you've just never seen one?
Fr
8 A No.
9 Q Let me ask this question. Who do you answer
re
10 to directly from your position?
11 A
su
I answer to Scott Barnes.
12 Q And what is his title?
clo
13 A President, Default -- LPS Default Solutions.
14 Q I just want to take a second to go back and
re
15 look at my notes. I just want to make sure I

16 understand.
Fo
17 You said you're the first vice president of

18 operations, right?
op
20 Q And your responsibility is the day-to-day
St
21 operations of LPS?
w.
23 Q Is there anyone in LPS who holds a higher

24 title or position than Scott Barnes?
ww
25 A For Default Solutions, no.
367 VALLEY AVENUE

Page 87
m
1 Q What other departments are there of LPS than
2 Default Solutions?
co
3 A There are a few other departments underneath
4
d.
the LPS umbrella.
5 Q Do you know what those are?
au
6 A We have REO.
7 Q What else?
Fr
8 A Field Services.
9 Q And what else?
re
10 A We have a default title company.
11 Q
su
What's the name of that company or is it --
clo
13 Q Any other --
14 A That's it.
re
15 Q So is there a first vice president for each

16 of these divisions?
Fo
17 A I don't know.
18 Q Is there -- does Scott Barnes have a person
op
19 that he answers to every day who is employed by LPS?

20 A Yes.
St
21 Q And who is that?

22 MR. CASH: Again, just object to the form of
w.
23 the question. Which LPS?

24 MR. WOOTEN: Default Solutions.
ww
25 MR. CASH: Okay.
367 VALLEY AVENUE

Page 88
m
1 THE WITNESS: No.
2 BY MR. WOOTEN:
co
3 Q Okay. So whomever he answers to is in
4
d.
charge of the entire spinoff?
5 A Not the entire spinoff, no.
au
6 Q Well, tell me who he answers to. Or who's
7 his boss?
Fr
8 A Clay Cornett.
9 Q And what is Clay's title?
re
10 A I don't -- I don't know his title off the
11 top of my head.
su
12 Q Would it be available from LPS's website or
clo
13 information that's publicly available?
14 A I believe so.
re
15 Q Is LPS publicly traded?

16 A Yes.
Fo
17 Q What is its symbol?

18 A LPS.
op
19 Q And a glaring question of the obvious,

20 right?
St
21 Do you know if Clay Cornett has a boss in

22 LPS?
w.
23 A Yes, he does.
24 Q And who is that?
ww
25 MR. CASH: Again, and I hate to be the
367 VALLEY AVENUE

Page 89
m
1 stickler, but there's LPS, Inc., and there's LPS
2 Default Solutions. LPS Default Solutions is what
co
3 was once the defendant in this case, Fidelity
4
d.
National Foreclosure & Bankruptcy Solutions. So
5 when you say LPS, I just need us to define LPS,
au
6 whether you're talking about Inc. or the separate
7 entity LPS Default Solutions.
Fr
8 BY MR. WOOTEN:
9 Q My question is much simpler. I'm just
re
10 asking if Clay Cornett has a boss. I mean, that's
11
su
what I'm trying to find out. I mean, if it -- he's
12 already said that Scott Barnes doesn't have a boss in
clo
13 LPS Default Solutions, haven't you?
14 A Yes.
re
15 Q So Clay Cornett is obviously working for

16 Inc.?
Fo
17 A I believe so.
18 Q Okay. And who does Clay Cornett answer to?
op
19 A That would be Eric Swenson.

20 Q Is he the person who is overall in charge of
St
21 LPS, Inc.?
22 A No.
w.
23 Q Who is over Eric Swenson?

24 A That would be the CEO, Jeff Carbiener.
ww
25 (Brief interruption.)
367 VALLEY AVENUE

Page 90
m
1 THE WITNESS: Carbiener.
2 MR. CASH: Why don't you spell that for her,
co
3 unless you don't know how, and I won't put you on
4
d.
the spot since he's the boss.
5 THE WITNESS: No.
au
6 BY MR. WOOTEN:
7 Q Is it C-E-R-B-I-N-E-R?
Fr
8 A C-A-R-B-I-N-E-R, I believe, I don't know.
9 Q Okay. So everything starts at Jeff
re
10 Carbiener and flows downhill on your side through Eric
11
su
Swenson, Clay Cornett, Scott Barnes and then to you?
clo
13 Q And then you have your management team that
14 we talked about earlier, and we talked about three of
re
15 the four people on that team, right?

Fo
17 Q Other than Invoice Management, Document

18 Management, and Process Management, are there any
op
19 other things which fall into that general category

20 with respect to your Attorney Management network?
St
21 A No, that's it.

22 Q Who is the fourth member of your team?
w.
23 A Christine Anderson. She's the peer of Chuck

24 Martisek.
ww
25 Q Does she spell her name S-O-N or S-E-N?
367 VALLEY AVENUE

Page 91
m
1 A S-O-N.
2 Q And you mentioned she was the peer of
co
3 Mr. Martisek?
4
d.
A That's correct.
5 Q Does she have a separate responsibility than
au
6 him?
7 A Primarily the same responsibility.
Fr
8 Q Does she handle a different portion of the
9 country or --
re
10 A Yes.
11 Q
su
And I -- let me double-check, did I ask you
12 what portion of the country Mr. Martisek was
clo
13 responsible for?
14 A I don't believe so.
re
15 Q Okay. And do you know?

16 A I -- it's broken up differently by each
Fo
17 state.
18 Q So it's not necessarily geographic?
op
19 A No. They only channel certain states, 50

20 states and the other two provinces.
St
21 Q With respect to the work that Ms. Anderson

22 and Mr. Martisek do, are there separate divisions in
w.
23 their department where different employees work with

24 different portions of this process?
ww
25 A No.
367 VALLEY AVENUE

Page 92
m
1 Q So every LPS employee who is within the
2 attorney foreclosure referral network is available to
co
3 do all the same type of work, as far as --
4
d.
A Not -- not the referral network, no.
5 Q Okay.
au
6 A I don't quite understand your question in
7 reference to referral.
Fr
8 Q Maybe I didn't ask it well. Do you have --
9 you said these people are in charge of your attorney
re
10 management network?
11 A Uh-huh.
su
12 Q And that basically included your core
clo
13 foreclosure steps?
re
15 Q Where does your bankruptcy Process

16 Management fall in that?
Fo
17 A Basically the foreclosure process begins

18 from the time that the attorneys receive their
op
19 referral.
20 Q Okay. And where does the referral come
St
21 from?
22 A It comes from the client.
w.
23 Q And how does the client make the referral?

24 A How do they make the referral?
ww
25 Q Sure.
367 VALLEY AVENUE

Page 93
m
2 Q Do they -- does Option One pick up the phone
co
3 and call Scott Humphrey in Birmingham and say, I want
4
d.
you to foreclose for us?
5 A No.
au
6 Q Is that not run through LPS?
7 A The client makes the decision on when to
Fr
8 refer the loan for foreclosure, which we get a file
9 from Option One, along with the necessary documents.
re
10 Q So your testimony is, is that Option One
11
su
provides the referral package to LPS?
clo
13 Q And that LPS refers the foreclosure to the
14 attorney?
re
15 A Electronically, we provide the information

16 to the attorneys.
Fo
17 Q Again, you indicated that Option One would

18 be the entity which chose the attorney?
op
20 Q I mean, are they free to select any attorney
St
21 or are they only allowed to select Fidelity referring

22 attorneys or --
w.
23 A They're free to choose any attorney they'd

24 like.
ww
25 Q Are you aware of whether or not there is a
367 VALLEY AVENUE

Page 94
m
1 contractural provision within the agreement between
2 the servicers and LPS which requires them to use
co
3 attorneys within the attorney network of LPS?
4
d.
A No, I'm not.
5 Q And again, you indicated you have not read
au
6 any of those contracts?
7 A My understanding is that we do not choose
Fr
8 any of the attorneys.
9 Q Your system is capable of harnessing a lot
re
10 of information, right?
11 A
su
That is correct.
12 Q And you're capable of reporting features
clo
13 about pretty much all that you do as an entity,
14 correct? I mean, as far as how fast you meet your
re
15 time line goes, what percentage of foreclosures take

16 place within your time lines, you know, what
Fo
17 percentage of issues are resolved within the

18 appropriate amount of time, pretty much anything you
op
19 want to find out that's on your software, your MSP

20 software, you pretty much have a reporting function
St
21 for, don't you?

22 A Not MSP, no.
w.
23 Q What about with respect to Process

24 Management?
ww
25 A We have the ability to produce reports based
367 VALLEY AVENUE

Page 95
m
1 off of Process Management, yes.
2 Q Sure. Are there any attorneys who are not
co
3 members of the Fidelity -- or the LPS attorney network
4
d.
who can access your Process Management system?
au
6 Q And is it a fact that the only attorneys who
7 are using Process Management are attorneys who have
Fr
8 signed a referral agreement with LPS?
re
10 Q So, while your clients are free to choose
11
su
whomever as a foreclosing attorney, if they are an MSP
12 user and they are an LPS -- they have an LPS agreement
clo
13 with you for Default Solutions, the only attorneys
14 available on LPS system are attorneys who have signed
re
15 a contract with LPS?

16 A That have signed a contract with LPS, yes.
Fo
17 Q So when you say that your servicing clients

18 are free to choose whomever, with respect to referring
op
19 it through LPS, that is illusory, isn't it?

20 A I don't understand what you mean by
St
21 illusory.
22 Q Well, there are 14,000 lawyers in the state
w.
23 of Alabama approximately.
24 A Uh-huh.
ww
25 Q And your testimony is, is that Option One
367 VALLEY AVENUE

Page 96
m
1 could've chosen any lawyer to foreclose on this loan
2 if they wanted to, but if they have a contract with
co
3 LPS to provide default solutions, does that contract
4
d.
not require them to make a referral through LPS?
5 A Not necessarily.
au
6 Q Have you -- well, never mind.
7 A Clients -- clients can choose to refer any
Fr
8 way they'd like.
9 Q If they want the loan to stay on the MSP and
re
10 LPS system, don't they have to go through LPS and use
11
su
an attorney network member?
12 A The clients? Yes. They need to use our
clo
13 system at their choice.
14 Q So, again, while you say that they can
re
15 choose whomever, if they keep the loan on your system,

16 they can only choose attorneys in your network?
Fo
17 A No. They can -- they can choose to use an

18 attorney outside the network and be able to update
op
19 that information through the client. The client has

20 the ability to be able to update the system just like
St
21 an attorney. If the attorney chooses not to sign the

22 agreement, then basically the updates can be provided
w.
23 through the client into our LPS system.

24 Q Well, let me ask you this. Do you have any
ww
25 statistics on whether or not any foreclosures which
367 VALLEY AVENUE

Page 97
m
1 were referred to LPS or sent to an attorney who was
2 not a member of LPS's attorney network?
co
3 A No, I do not have statistics on that.
4
d.
Q Is it because the number would be zero?
5 A No.
au
6 Q And there are no reporting functions in your
7 software that will give you that information?
Fr
8 A I don't know.
9 Q And you've never asked that question?
re
11
su
THE VIDEOGRAPHER: Excuse me. May I change
12 videotape?
clo
13 MR. WOOTEN: Sure.
re
15 (Brief recess.)
16 THE VIDEOGRAPHER: Back on record at 11:19,
Fo
17 beginning of Videotape No. 3.

18 MR. WOOTEN: I need to go ahead and tell
op
19 y'all, I've got a 2:30 that I'm going to have to

20 take a short break, 2:30 local time. I've got to
St
21 call in a federal case that I've got to deal

22 with. So --
w.
23 MR. CASH: Okay, whatever works for you.

24 MR. WOOTEN: -- we'll try to structure
ww
25 breaks around that, so -- but I wanted to give
367 VALLEY AVENUE

Page 98
m
1 y'all a heads-up.
2 MR. CASH: Okay.
co
3 BY MR. WOOTEN:
4
d.
Q With respect to your operations, is there a
5 separate division within your company that deals
au
6 solely with bankruptcy issues, or a separate group of
7 people?
Fr
9 question and tell you not to answer about
re
10 bankruptcy, unless, Nick, you can tell me -- this
11
su
case isn't even in bankruptcy.
12 MR. WOOTEN: I'm just trying to clarify the
clo
13 structure of this entity.
14 MR. CASH: All right. Go ahead and answer
re
15 the bankrupt -- that one bankruptcy question.

16 THE WITNESS: Yes.
Fo
17 BY MR. WOOTEN:
18 Q In our notice of deposition to you, we asked
op
19 for all the same categories of documents that we asked

20 for from your foreclosure department with respect to
St
21 your REO department, with respect to the software

22 called MSP employed by LPS. Did you produce any
w.
23 documents, images, notes, communications, with respect

24 to the note fields or the contents of the REO portion
ww
25 of the MSP software?
367 VALLEY AVENUE

Page 99
m
1 A No.
2 Q Would that be the same answer with respect
co
3 to the area regarding bankruptcy?
4
d.
A I don't believe there was any bankruptcy
5 notes.
au
6 Q Okay.
7 A But no.
Fr
8 Q Are you familiar with a note field called
9 the Consolidated Note Logs?
re
10 A No, I'm not. That would be an MSP, correct?
11 Q
su
That's correct.
12 A No, I'm not.
clo
13 Q Have you had any training whatsoever with
14 respect to the capabilities of the MSP software which
re
15 your company employs?

16 A I've had partial training back in 2002.
Fo
17 Q Is that when you --

18 A With Option One.
op
19 Q With Option One?

20 A Yes.
St
21 Q With respect to the ability of the employees

22 who work for LPS to change the information contained
w.
23 in your servicers' files, who are your clients, is it

24 your testimony that your employees at LPS have that
ww
25 capacity?
367 VALLEY AVENUE

Page 100
m
1 A We have the ability to change certain
2 screens within the MSP environment.
co
3 Q Okay. And are you familiar with whether or
4
d.
not the MSP platform, or MSP, makes any record of
5 those changes and saves it anywhere within the MSP
au
6 system or any backup of the MSP system?
7 A I don't know on the MSP system.
Fr
8 Q What about with respect to either Process
9 Management or Document Management?
re
10 A Process Management does document the notes
11
su
in our note screen, time stamped.
12 Q Does it document the changes?
clo
13 A Yes.
14 Q Would there be anything that you are aware
re
15 of which would be accessible by a user which would

16 indicate what data was changed, who changed it, and
Fo
17 when it was changed?

18 A In which system?
op
19 Q In -- let's begin with MSP.

20 A That, I don't know.
St
21 Q With Process Management.

22 A We do have tracking mechanisms in MS -- or
w.
23 in Process Management that identify and time stamp the

24 changes and/or notes that are inputted into the
ww
25 system, event completions, everything.
367 VALLEY AVENUE

Page 101
m
1 Q All right. And with respect to that, would
2 it indicate in Process Management if any data fields
co
3 were altered in MSP?
4
d.
A That, I don't know.
5 Q Do you know who might be the person who
au
6 might have that information?
7 A No, I don't.
Fr
8 Q Would that also -- if you were to have to
9 hazard a guess, would it be someone in data security?
re
10 A I don't know.
11 Q
su
Are you familiar with the term a key
12 transaction report?
clo
13 A No, I'm not.
14 Q Are you familiar with whether or not that is
re
15 an MSP report?
16 A I'm not aware of that report at all.
Fo
17 Q Are you familiar with a training database

18 known as The Learning Center?
op
19 A No, I'm not.

20 Q When you had your initial training with MSP
St
21 when you were employed by Option One, was that

22 training web based?
w.

24 Q It was done on-site?
ww
25 A Side by side with one of my associates.
367 VALLEY AVENUE

Page 102
m
1 Q When you say associate, what do you mean?
2 A One of our associates that was in the
co
3 foreclosure and bankruptcy department back with Option
4
d.
One.
5 Q So when you say associates, you're not
au
6 talking about an employee of LPS --
7 A No.
Fr
8 Q -- or at that time Fidelity?
9 A No, you asked me when my training was, I
re
10 told you it was back with Option One back in 2002.
11 Q
su
And I was just trying to verify --
12 A Sure.
clo
13 Q -- because my understanding is, is that --
14 well, isn't it true that with certain servicers, LPS
re
15 places employees on-site?

16 A Yes, we will place employees on-site.
Fo
17 Q And isn't it true that part of what they do

18 is work with that servicer's employees about using
op
19 LPS's software, MSP --

20 A Not for LPS Default Solutions, no.
St
21 Q So they would use the Process Management

22 software?
w.
23 A They would use the Process Management

24 software.
ww
25 Q And they would be there to train those
367 VALLEY AVENUE

Page 103
m
1 employees about --
2 A Not necessarily train those employees. When
co
3 we place people on-site, it's basically to assist them
4
d.
with whatever needs that the client may need at that
5 time that we cannot do in-house ourselves.
au
6 Q What are some examples of the types of
7 things that would require an LPS employee to be
Fr
8 on-site?
re
10 question unless we've got some evidence or some
11
su
issue here that -- I have no objection to you
12 answering with regard to this servicer and this
clo
13 loan, but we're not going to just keep fishing on
14 everything.
re
15 MR. WOOTEN: Are you instructing him again

16 not to answer the question?
Fo
17 MR. CASH: I'm instructing him to answer any

18 questions regarding this transaction, this
op
19 servicer, this case, but I am instructing him not

20 to answer generally across the board in this
St
21 fishing expedition. We're here on the Wood case,

22 and that's all we're here to testify about.
w.
23 MR. WOOTEN: Do you have any legal authority

24 that says that you have the right to limit my
ww
25 discovery based on your whims?
367 VALLEY AVENUE

Page 104
m
1 MR. CASH: It's not my whims, it's the rules
2 of procedure, including the rules of Alabama and
co
3 the federal rules, require that the first hurdle
4
d.
in making something discoverable is that it must
5 be relevant. That is step one. After relevance,
au
6 it need not be admissible, but it must lead to
7 the discovery of admissible evidence. But first
Fr
8 and foremost it may be relevant.
9 MR. WOOTEN: Okay. So your testimony or
re
10 your --
11 MR. CASH:
su
It's not my testimony.
12 MR. WOOTEN: Your objection is --
clo
13 MR. CASH: My objection is it's irrelevant.
14 MR. WOOTEN: Your objection is to relevance.
re
15 Let's make sure that we're clear about that.

16 MR. CASH: It's irrelevant, it's harassing,
Fo
17 it's a fishing expedition, it's beyond the scope

18 of this case. And as such, we're not going to go
op
19 into a fishing expedition on this stuff. That's

20 my objection.
St
21 MR. WOOTEN: Okay. And --

22 MR. CASH: And if the Court disagrees and
w.
23 thinks you have free reign to ask about anything

24 and everything you want regardless of whether
ww
25 it's associated with this case or not, that would
367 VALLEY AVENUE

Page 105
m
1 be different than the jurisprudence of every
2 state I've ever practiced in, but so be it and
co
3 we'll deal with that at that time. But right
4
d.
now, we're not going into this wide ranging
5 fishing expedition. Again, Nick, unless you can
au
6 tie it somehow to this case; in which case, I
7 will reconsider.
Fr
8 MR. WOOTEN: You know, Mike, the problem is,
9 is that it's not your decision. It's my
re
10 deposition, it's my discovery.
11 MR. CASH:
su
But you don't have the right --
12 MR. WOOTEN: I'm trying to understand the
clo
13 process which LPS employs to provide these
14 services to their clients. And I asked your
re
15 client to provide me examples of the types of

16 reasons why they would locate an employee on-site
Fo
17 with a servicer, as a hypothetical, as the person

18 most knowledgeable about why LPS does everything
op
19 that they do, which he is supposed to be

20 designated to be.
St
21 MR. CASH: But he is not here to testify

22 about everything --
w.
23 MR. WOOTEN: And so --

24 MR. CASH: -- LPS does, because this --
ww
25 MR. WOOTEN: -- please let me finish my
367 VALLEY AVENUE

Page 106
m
1 response to your objection.
2 MR. CASH: Because this is not what this
co
3 case is about.
4
d.
MR. WOOTEN: I don't care. The point
5 being --
au
6 MR. CASH: I know. And therein lies the
7 point, you don't care.
Fr
8 MR. WOOTEN: The point being that I have a
9 right --
re
10 MR. CASH: This isn't a --
11 MR. WOOTEN:
su Okay. You know what, you
12 should take up --
clo
13 MR. CASH: So he's going to answer his
14 questions with regard to this case --
re
15 MR. WOOTEN: -- your problems with Mike

16 wherever you want to. That doesn't have anything
Fo
17 to do with me. I'm here about this case.

18 MR. CASH: It has everything to -- okay,
op
19 then, fine, we will --

20 MR. WOOTEN: The cases that I have with
St
21 Option One that involve LPS.

22 MR. CASH: And other cases. See, we're not
w.
23 here for other cases.

24 MR. WOOTEN: It doesn't matter.
ww
25 MR. CASH: We're here for one case, the Wood
367 VALLEY AVENUE

Page 107
m
1 case.
2 MR. WOOTEN: You're sitting here trying to
co
3 tell me --
4
d.
MR. CASH: And he will answer each and every
5 question you have about the Wood case --
au
6 MR. WOOTEN: Sure.
7 MR. CASH: -- or that's relevant to the Wood
Fr
8 case --
9 MR. WOOTEN: Okay. Well, let's --
re
10 MR. CASH: -- without objection.
11 MR. WOOTEN:
su Again, let's make sure we
12 understand each other. I'm trying to ask a
clo
13 question about why your client does what they do,
14 including putting employees on-site, as a general
re
15 rule, so that I can understand how your client's

16 business operates and where their employees might
Fo
17 be who might could sign documents in their name,

18 and you're telling your client not to answer. So
op
19 I just want to be clear that that's what you're

20 doing, Mike.
St
21 MR. CASH: Well, if you want to be clear,

22 then let me make it as clear as I can to you,
w.
23 Nick. You just said it, and I'm glad it's on the
24 record --
ww
367 VALLEY AVENUE

Page 108
m
1 MR. CASH: -- you're here because you have
2 this case and other cases --
co
3 MR. WOOTEN: You're right, I do.
4
d.
MR. CASH: -- involving Option One and LPS.
5 This lawsuit is not a vehicle for you to do
au
6 discovery in other cases. This lawsuit is for
7 this lawsuit. And this witness will answer each
Fr
8 and every question you have that has anything to
9 do with this lawsuit. But we will not come here
re
10 and basically have an exposé on our company
11
su
because it suits your whim. It is not relevant
12 to any issue in this case. In this case, there
clo
13 is no allegation that any LPS employee was put
14 on-site who did anything with regard to this
re
15 loan. And that's why we're here.

16 So unless you have an allegation that
Fo
17 supports that or something that supports that,

18 we're not going to talk in generalities, we are
op
19 here to testify about this case. It is

20 irrelevant, it is harassing, it is overreaching,
St
21 and I am instructing him not to answer questions

22 that don't deal with this case anymore. And I've
w.
23 given you wide range to do it so far.

24 MR. WOOTEN: And, again, I'm going to
ww
25 explain to you that the rules of procedure and
367 VALLEY AVENUE

Page 109
m
1 evidence and discovery in Alabama don't allow you
2 as the defense counsel to limit my inquiry in a
co
3 deposition. Everybody involved here, with the
4
d.
exception of Mr. Newland and these court
5 reporters, has made a special trip down here to
au
6 take this deposition --
7 MR. CASH: I'm one of them.
Fr
8 MR. WOOTEN: -- and spent a lot of money
9 coming to take this deposition.
re
10 MR. CASH: So have I.
11 MR. WOOTEN:
suAnd rather than have an
12 objection which preserves your right to have that
clo
13 limited, you're instructing the client not to
14 answer.
re
15 MR. CASH: Yes.

16 MR. WOOTEN: I just want to be real clear
Fo
17 about that.
18 MR. CASH: We're real clear on that, Nick.
op
19 And the reason I'm doing that is you don't get to

20 use this case as a vehicle to gather your
St
21 information, which you couldn't care less whether

22 it's relevant or not, so you can go off and use
w.
23 it in your other cases. And what you would love

24 is for me to allow him to answer, make my
ww
25 objections, which you could care less whether
367 VALLEY AVENUE

Page 110
m
1 they're sustained or overruled, because you've
2 gotten what you wanted, which is the information.
co
3 I am not going to play that game. If the Court
4
d.
disagrees with me, I will put this on the record,
5 and we have to redo any of the questions that
au
6 I've instructed him not to answer, we will do it
7 in Alabama and I will pay the costs for him to
Fr
8 come down, for me to come down, and I'll pay the
9 cost of the court reporter to redo the
re
10 deposition.
11 MR. WOOTEN:
suAnd you'll pay my time for
12 having to retake it, right?
clo
13 MR. CASH: No, I'm not going to pay your
14 time, Nick, because I think you're the reason
re
15 that we're having the problem. But I will do

16 all -- I will make all those other offers.
Fo
17 MR. WOOTEN: Well, wait a minute, you just

18 said that if the Court disagrees with your narrow
op
19 construction of my right to discovery, that

20 you'll pay everybody else's costs associated with
St
21 having to redo this but mine.

22 MR. CASH: If the Court tells me that I have
w.
23 to pay you reasonable attorney's fees to reask

24 the questions I've instructed him not to answer,
ww
25 I think there's four or five so far, for those
367 VALLEY AVENUE

Page 111
m
1 four or five questions, you bet. You bet. I
2 will pay your time for that one hour that it
co
3 takes to ask four or five questions. You got it.
4
d.
MR. WOOTEN: You know what, again, Mike --
5 MR. CASH: So there we go.
au
6 MR. WOOTEN: -- you're not the person in
7 control of this case.
Fr
8 MR. CASH: No, I'm not.
9 MR. WOOTEN: The person who is elected by
re
10 the citizens of DeKalb County to control this
11 case --
su
12 MR. CASH: I agree completely, but he's not
clo
13 here.
14 MR. WOOTEN: You don't have the right to
re
15 substitute your judgments for his.

16 MR. CASH: Nor do you have right to run
Fo
17 roughshod because he's not here. That's why this

18 is an adversarial process.
op
19 MR. WOOTEN: You have the right to object.

20 MR. CASH: And I will make my objections.
St
21 MR. WOOTEN: And you don't have the right to

22 instruct your witness to limit his answers.
w.
23 MR. CASH: The objection -- well, I disagree

24 with you. I have the right to instruct my
ww
25 witness when the questioning is harassing, which
367 VALLEY AVENUE

Page 112
m
1 it becomes when it's completely irrelevant, I do
2 have the right to instruct him not to answer.
co
3 That's true under the federal rules and --
4
d.
MR. WOOTEN: If you're telling me --
5 MR. CASH: -- it's true under my reading of
au
6 the Alabama rules.
7 MR. WOOTEN: -- that you interpret
Fr
8 harassment as wanting to know why this corporate
9 defendant, who is involved in a vast majority of
re
10 all the foreclosures in this country, chooses to
11
su
locate employees with a servicer to support their
12 foreclosure efforts, if you're telling me that
clo
13 that's your basis for saying that my question's
14 not relevant, I just want to be real clear about
re
15 that. Now with respect to you instructing the

16 person not --
Fo
17 MR. CASH: I mean, you keep saying you need

18 to be real clear. I think I've made it clear.
op
19 MR. WOOTEN: If you --

20 MR. CASH: The record's clear.
St
21 MR. WOOTEN: How about letting me finish

22 before you interrupt.
w.
23 MR. CASH: How about why don't you just ask

24 questions. Because here's what you're not going
ww
25 to do, you're not going to convince me and I am
367 VALLEY AVENUE

Page 113
m
1 not going to convince you.
2 MR. WOOTEN: I'm not trying to convince you.
co
3 I could care less what you're convinced of.
4
d.
MR. CASH: Well, then quit preaching to me
5 and ask your questions. I will do what I need to
au
6 do, which is object and instruct not to answer.
7 The record's clear what I'm saying --
Fr
8 THE REPORTER: The record is not very clear
9 with you guys talking on top of each other, I'm
re
10 sorry.
11 MR. WOOTEN:
su Sure. And I'm trying to hold
12 off. I apologize.
clo
13 MR. CASH: So I will make my objections and
14 my instructions. You ask your questions, he will
re
15 give answers.
16 MR. WOOTEN: Okay. So let's --
Fo
17 MR. CASH: That's where everybody is.

18 MR. WOOTEN: Let's just go and make this
op
19 agreement then. If you instruct him not to

20 answer all this stuff you just run through about
St
21 your right to control my discovery, that'll just

22 be part of that objection and your instruction
w.
23 not to answer, okay?

24 MR. CASH: I will state my grounds for my
ww
25 objection so it's clear to the Court. And I
367 VALLEY AVENUE

Page 114
m
1 don't have any right to control your discovery.
2 The only thing I have the right to do is not have
co
3 my witness to testify to things that are
4
d.
completely outside the scope of this case. And
5 that's all I'm doing.
au
6 MR. WOOTEN: And my only burden is to show
7 that it might lead to discovery of admissible
Fr
8 evidence.
9 MR. CASH: That's where you're wrong. You
re
10 have two burdens: First, you must show it's
11
su
relevant, and then you must show that it's
12 reasonably likely to lead to the discovery of
clo
13 admissible evidence; it's a two-prong test.
14 MR. WOOTEN: So your statement it's not
re
15 relevant is based upon the fact that you have

16 determined that how your client does business in
Fo
17 a national foreclosure mill is not relevant to

18 what happened in a case involving a wrongful
op
19 foreclosure.
20 MR. CASH: My objection on this particular
St
21 question is, there is no evidence, nor is there

22 any allegation that my client had an employee
w.
23 placed at Option One who had anything to do with

24 this particular foreclosure. As such, what our
ww
25 policies are regarding placing employees at any
367 VALLEY AVENUE

Page 115
m
1 particular location are not relevant to any issue
2 raised in this lawsuit regarding this loan, which
co
3 is why we are here. That is my objection, for
4
d.
the third time, and it will not change.
5 MR. WOOTEN: Okay. And what I am trying to
au
6 do, Mike, is prevent you from continuing to coach
7 your witness through your objections and prevent
Fr
8 you from continuing to instruct your client not
9 to answer, so that when we go to court on these,
re
10 I'm not sitting here with a situation where every
11
su
time you do that, you create a situation where I
12 have to respond on the record. So what I'm
clo
13 asking you to do, to preserve time, because we're
14 going to need a lot of it to get through today,
re
15 is to agree with me that if you instruct your

16 client not to answer during the balance of the
Fo
17 time that we're here today, that we'll just agree

18 that what you're agreeing to is if the Court
op
19 finds that he should've answered, that you'll pay

20 the costs associated with retaking that
St
21 deposition. So that that's on the record. And

22 when you tell him not to answer, if that's your
w.
23 choice, that'll be fine, and we'll go right up

24 there and we'll deal with it after the fact.
ww
25 MR. CASH: I've already agreed to that.
367 VALLEY AVENUE

Page 116
m
1 MR. WOOTEN: Okay. Well --
2 MR. CASH: The only part that I don't agree
co
3 to is I can't pre-agree what the basis of the
4
d.
deposition is until I -- of the objection is
5 until I hear the question, Nick.
au
6 MR. WOOTEN: Okay. Well, that wasn't what I
7 understood you to say. So if I misunderstood
Fr
8 you, I apologize. If you have a different
9 grounds for objection other than just telling him
re
10 not to answer it, absolutely, please make it.
11 MR. CASH:
su
I've never instructed him just
12 not to answer without making an objection first.
clo
13 MR. WOOTEN: Okay. Well, that will be fine.
14 So whenever you tell him not to answer, rather
re
15 than us have a ten minute conversation about it,

16 we'll just have this agreement as a standing
Fo
17 agreement for the rest of this deposition, okay?

18 MR. CASH: That is absolutely fine with me.
op
19 MR. WOOTEN: That'll be fine.

20 Now, with respect to -- ma'am, I'm sorry, do
St
21 we need to take break and let you get caught up? Are
22 you all right? Okay. Is everybody else okay?
w.
23 BY MR. WOOTEN:
24 Q With respect to Mr. Newland, we're still
ww
25 looking at the very first thing I marked, which was
367 VALLEY AVENUE

Page 117
m
1 the deposition notice. With respect to your Document
2 Management, that is also, as we talked about, called
co
3 NewTrak, correct?
4
d.
A No, it's not.
5 Q New Document Management used to be called
au
6 NewTrak; is that right?
7 A No.
Fr
8 Q Okay. What did Document Management used to
9 be called? Is there a previous name for your Document
re
10 Management software?
11 A
su
I'm trying to remember what it was. I don't
12 recall off the top of my head.
clo
13 Q Let me look back at my notes. Imaging
14 Platform?
re
15 A That's -- it was referenced as New Image, is

16 what the actual name was.
Fo
17 Q Were there initials for that, something to

18 the effect of NIE?
op
19 A Yes.
20 Q And your testimony is, is that every
St
21 document with respect to the Woods' loan that we're

22 here about today you produced as part of Exhibit 24
w.
23 that is contained in the Document Management or

24 imaging platform of the software that your client --
ww
25 your company employs, LPS?
367 VALLEY AVENUE

Page 118
m
1 A Yes.
2 MR. CASH: Just for the record, we do need
co
3 to check on the Invoice Management that you had
4
d.
mentioned, and I need to go back and see if
5 there's any Invoice Management documents. And if
au
6 there are, after lunch, we'll produce those. So
7 there may be invoices that aren't part of the
Fr
8 Exhibit 24. But I will verify that.
9 MR. WOOTEN: Are you also willing to verify
re
10 whether or not there are any of the P309
11
su
documents I referenced in Item No. 1 of this
12 case?
clo
13 MR. CASH: Here's what I want to explain,
14 Nick, that I don't think is fully understood.
re
15 MSP is not a default software, it's not one of

16 our softwares. You keep asking about MPS, that's
Fo
17 a different Fidelity entity. What we have, and

18 what he's tried to explain, is we have NewTrak,
op
19 which is Process Management, so that's -- we have

20 all the NewTrak, we have the imaging system,
St
21 which we talked about, and we have the invoice

22 system. So those are the three systems that are
w.
23 our documents that I can get you. The others are

24 not default -- remember, we narrowly defined what
ww
25 this defendant is, they are not this defendant's
367 VALLEY AVENUE

Page 119
m
1 documents, and the information contained in those
2 are the client's information. So the best place
co
3 to get the MSP screens would be from Option, not
4
d.
from us. They're the ones that have their
5 information in that format. So that's what I was
au
6 trying to --
7 MR. WOOTEN: All right.
Fr
8 MR. CASH: That's my explanation, if that
9 helps.
re
10 MR. WOOTEN: I hear what you're saying. And
11
su
all I'm trying to ask the question is, and you
12 can tell me, you're sitting there with your
clo
13 corporate lawyer, are you able as LPS to produce
14 the documents that we marked as Exhibit 1 -- or
re
15 the first request that we made with respect to

16 the P309 fields, and that is an MSP field?
Fo
17 MS. NEWMAN: Can we go off the record?

18 MR. CASH: Sure, if it's okay with him, it's
op
19 Nick's deposition.
20 MR. WOOTEN: Fine.
St
21 THE VIDEOGRAPHER: Off record at 4:41 --

22 11:41, sorry.
w.

24 THE VIDEOGRAPHER: Back on record at 11:48.
ww
25 MR. CASH: Just so it's clear, because I do
367 VALLEY AVENUE

Page 120
m
1 want this on the record. I will allow my witness
2 to answer questions which I do not think are
co
3 relevant today, but it will have to be subject to
4
d.
a confidentiality agreement that this deposition
5 will only be utilized in this case and for eyes
au
6 only in this case. And, Nick, I understand off
7 the record you were unwilling to do that, but I
Fr
8 did want at least the Court to be clear that I'm
9 not just going to instruct him not to answer. I
re
10 am worried about our confidentiality, and I would
11
su
be willing to allow him to answer even questions
12 that I think are irrelevant if it's limited to
clo
13 use only in this case and it's kept confidential.
14 MR. WOOTEN: Sure. And with respect to
re
15 that, my position is, is that what's implicated

16 by this company and its processes is much too
Fo
17 serious to simply agree to wash it away with a

18 confidentiality order. So, I'd rather you just
op
19 make the objections as you have, and we'll go

20 forward with the agreement. If they're proper,
St
21 then you'll never have to answer them in this

22 case; if they're not proper, then eventually we
w.
23 will.
24 MR. CASH: All right. Fair enough. And I
ww
25 obviously take objection to the implication of
367 VALLEY AVENUE

Page 121
m
1 it's far too big. This is a $1300 case where we
2 did nothing wrong. But save and except that, go
co
3 ahead.
4
d.
MR. WOOTEN: Sure.
5 BY MR. WOOTEN:
au
6 Q And, Mr. Newland, with respect to our
7 request for life of loan transaction history, I
Fr
8 understand that would be an MSP document. Is it your
9 testimony that you were or were not able to produce
re
10 that from -- with respect to what we brought here
11 today?
su
12 A I was not able.
clo
13 Q Did you attempt to produce it?
14 A I didn't even know what the life of the loan
re
15 transaction history was.

16 Q Did you talk with anybody who --
Fo
17 A No, I did not.

18 Q -- works on the floor and deals with your
op
19 accounts on a day-to-day basis --

20 A No.
St
21 Q -- about that?
22 MR. CASH: Let him answer his question, so
w.
23 you get -- the record won't be complete if he's

24 still asking and you're starting your answer.
ww
25 THE WITNESS: Oh, okay. Got it.
367 VALLEY AVENUE

Page 122
m
1 BY MR. WOOTEN:
2 Q Did you make any inquiry as to whether or
co
3 not it was available through access to the software
4
d.
programs that LPS uses?
5 A No, I did not.
au
6 Q With respect to Item 12, having to do with
7 corporate advances, were you able to provide that
Fr
8 information?
9 A No.
re
10 Q With respect to any property inspections,
11
su
including the invoices and payment advices, were you
12 able to provide that information?
clo
13 A I don't believe the invoices are in there at
14 this time.
re
15 Q What about property inspections?

16 A I'm aware of one property inspection, but I
Fo
17 do not believe the invoices are in that document. I

18 think that's something we're going to be getting
op
19 later.
20 Q Sure. Okay. So that's part of the imaging
St
21 platform that we talked about --

22 A Yes, it is.
w.
23 Q -- or the Invoice Management platform --

24 A Yes.
ww
25 Q -- that y'all are going to try to get during
367 VALLEY AVENUE

Page 123
m
1 lunch?
2 A Yes.
co
3 MR. CASH: Right.
4
d.
Q And so same with respect to a broker price
5 opinion with respect to this loan, and I believe the
au
6 records indicate there were at least one broker price
7 opinion. Will y'all ever produce the information from
Fr
8 that?
9 A Trying to remember if it's in there or not.
re
10 I don't recall if it's in that agreement. I know we
11
su
produced all the documents, but I'm not...
12 Q Sure. And the broker price opinion is a
clo
13 document that would be within the imaging portion or
14 the new document system, right?
re
15 A If it was uploaded, yes, depending on the

16 company that was utilized.
Fo
17 Q And -- okay. Well, that's another -- I

18 guess something I want to clarify. Can you tell us
op
19 exactly what a broker price opinion is?

20 A Basically, it's just an opinion by a broker,
St
21 basically does a drive-by assessment of the property.

22 Q Do they also take pictures and that sort of
w.
23 thing normally?
24 A Some do, yes.
ww
25 Q And I say that to draw the distinction
367 VALLEY AVENUE

Page 124
m
1 between a broker price opinion and a property
2 inspection, which is a true drive-by, where you're
co
3 just running by to see if the house is still standing
4
d.
basically, right?
5 A Yeah. My understanding, the property
au
6 inspections is basically they'll go by and take a look
7 at the property.
Fr
8 Q Sure. Now, let me ask you this. With
9 respect to property inspections and broker price
re
10 opinions, are those items, items that are ordered on a
11
su
recurring basis within your division?
12 A That's all based off the client.
clo
13 Q Okay.
14 A Client makes the determination on when they
re
15 order those.
16 Q And so, that would be within the Process
Fo
17 Management, if the client said they wanted a property

18 inspection every 30 days, then that would upload in
op
19 the Process Management?

20 A That's not in Process Management, that's
St
21 based off of their client system when they order the

22 property inspections.
w.
23 Q Now, do they make a request for property

24 inspections to LPS?
ww
25 A No, they do not. Not through LPS Default
367 VALLEY AVENUE

Page 125
m
1 Solutions.
2 Q Okay. Is it another sub-entity of LPS,
co
3 Inc.?
4
d.
A It all depends on the client. Clients can
5 use different companies.
au
6 Q What about with respect to broker price
7 opinions, is that the same scenario?
Fr
8 A Same scenario, yes.
9 Q And so, are there companies which are either
re
10 related to or owned by LPS who handle broker price
11 opinions?
su
12 A Yes.
clo
13 Q Okay. And what are those companies?
14 A It would be our Field Asset Services.
re
15 Q Is that commonly referred to as FAS?

16 A I don't -- all I know is Field Asset
Fo
17 Services, so...
18 Q Is Field Asset Services a subsidiary of LPS
op
19 or otherwise owned by LPS?

20 A Yes.
St
21 MR. CASH: Just for clarity, by LPS you mean

22 LPS, Inc., not LPS Default Solutions.
w.
23 Q Sure. Let's -- yeah, let me be clear. FAS

24 falls under the LPS, Inc., structure?
ww
25 A Inc.
367 VALLEY AVENUE

Page 126
m
1 Q Which is the same place that LPS Default
2 Solutions falls, right?
co
3 A Yes.
4
d.
Q And Field Asset Services, do they only
5 provide broker price opinions?
au
6 A It would be property inspections. You asked
7 about the property inspections, I believe.
Fr
8 Q Okay. I'm sorry. So Field Asset Services
9 deals only with property inspections?
re
11 Q
su
Do not perform broker price opinions at all?
12 A No. Not to my knowledge.
clo
13 Q And so, any invoices for property
14 inspections which indicated -- they would indicate who
re
15 actually was requested to make the inspection and who

16 was paid -- who invoiced it and who was paid for it,
Fo
17 right?
18 A It would be in Invoice Management.
op
19 Q Right. Okay. And with respect to broker

20 price opinions, I guess the same question, are there
St
21 any companies which are within the LPS, Inc., umbrella

22 who perform broker price opinions?
w.
23 A Yes.
24 Q Okay. And what are their names?
ww
25 A LSI.
367 VALLEY AVENUE

Page 127
m
1 Q Do you know what LSI stands for?
2 A No, I don't know.
co
3 Q And is that -- just to be clear, that is
4
d.
also a subsidiary of LPS, Inc.?
5 A That's correct.
au
6 Q Do you know if LPS Default Solutions has
7 contracts for the provision of broker price opinions
Fr
8 by LSI?
9 A No, we do not.
re
10 Q Would LPS Default Solutions' clients, the
11
su
mortgage servicers, potentially have contracts for
12 broker price opinions with LSI?
clo
13 A You would have to ask them.
14 Q That would not be any information within
re
15 LPS's purview?
16 A No.
Fo
17 Q Okay.
op
19 Q Right. LPS Default Solutions. With respect

20 to the property inspections or the broker price
St
21 opinions, does LPS Default Solutions have any

22 discretion as to who they order these services from?
w.
23 A No.
24 Q Okay. That is purely a choice of the
ww
25 servicer?
367 VALLEY AVENUE

Page 128
m
1 A Yes, it is.
2 Q And you do not know if there is a
co
3 contractual provision between LPS Default Solutions
4
d.
and its servicing clients requiring them to use
5 companies which are under the LPS, Inc., umbrella for
au
6 these services?
7 A No, I do not.
Fr
8 MR. WOOTEN: Off the record again for a
9 minute.
re
11
su
(Off the record discussion.)
clo
13 BY MR. WOOTEN:
14 Q In preparing for this deposition,
re
15 Mr. Newland, did you determine whether or not any

16 force placed insurance had been placed upon the Wood
Fo
17 loan?
18 A We don't make a determination on the force
op
19 placed insurance, that's the client.

20 Q So that's an Option One decision
St
21 according --
22 A Yes, it is.
w.
23 Q -- to LPS?
24 A Yes.
ww
25 Q The contracts that I referred to earlier as
367 VALLEY AVENUE

Page 129
m
1 between LPS Default Solutions and either Option One or
2 Scott Humphrey, the other defendants in this case,
co
3 they would be contracts between these three entities
4
d.
which are defendants. In other words, LPS Default
5 Solutions has a contract with Scott Humphrey, right?
au
6 A That's correct.
7 Q And then LPS Default Solutions has a
Fr
8 contract with Option One?
re
10 Q And that contract would set forth the full
11
su
scope of the agreement for services which LPS Default
12 Solutions would provide to either of those entities?
clo
13 MR. LAWLER: Again, I just want to object on
14 attorney-client privilege of any communication
re
15 between -- whether it's contract or verbal

16 communication or otherwise between Scott Humphrey
Fo
17 and LPS or Option One.

18 MR. WOOTEN: Okay. Well, Chris, I don't
op
19 want to get into a big fight with you about this

20 either -- I'm sorry, Mr. Lawler. But do you have
St
21 any authority that says that attorney-client

22 privilege is involved when you have three
w.
23 codefendants, one of which happens to be an

24 attorney?
ww
25 MR. LAWLER: Again, objection's on the
367 VALLEY AVENUE

Page 130
m
1 record. Fight it out later.
2 MR. CASH: I can't let you answer the -- not
co
3 my instruction, I can't let you answer the
4
d.
question because it's their privilege. I can't
5 let you waive it.
au
6 MR. LAWLER: If you're speaking broadly in
7 terms of that there is one or not, then -- then I
Fr
8 don't have an issue with speaking broadly in that
9 situation. If we're getting into any specifics
re
10 of the substance or terms or what is actually in
11
su
there, then I'm just going to have to object.
12 MR. WOOTEN: I'm not asking him for hearsay,
clo
13 Mr. Lawler. What I'm asking him for is if the
14 general agreement, which they would provide to
re
15 any attorney who is part of their network, sets

16 forth all of the parties' relative rights and
Fo
17 responsibilities with respect to what services

18 they provide one to the other, what they will be
op
19 paid, if that is the complete agreement or if

20 there are any other agreements other than the one
St
21 we discussed.
22 MR. CASH: I think he can answer that --
w.
23 MR. LAWLER: Yes, that's fine.

24 MR. CASH: -- I don't think it's privileged.
ww
25 I mean, to the extent you know, you can answer
367 VALLEY AVENUE

Page 131
m
1 that question.
2 THE WITNESS: Okay.
co
3 MR. CASH: Why don't you ask it again.
4
d.
THE WITNESS: Can you ask it again?
5 Because --
au
6 MR. WOOTEN: Sure.
7 THE WITNESS: -- there's a lot of going back
Fr
8 and forth here.
9 BY MR. WOOTEN:
re
10 Q We've mentioned one agreement as between
11
su
Scott Humphrey, LLC, who handled the foreclosure in
12 this case, and Default Solutions -- or LPS Default
clo
13 Solutions, and we mentioned one agreement as between
14 LPS Default Solutions and Option One. And what I'm
re
15 asking you is, is that the only agreement existing

16 between LPS Default Solutions and Scott Humphrey? Is
Fo
17 there any other agreement other than that agreement?

op
19 Q Okay. And same question with respect to

20 Option One, is there simply one agreement which
St
21 defines all the parties' rights, including who will

22 pay who what and when and everything else?
w.
23 A Not that I'm aware of any other agreements.

24 MR. CASH: Wait. I just -- I don't think
ww
25 those two match. I think he said, is there only
367 VALLEY AVENUE

Page 132
m
1 one agreement, and I think you said, not that I'm
2 aware of. I think we just want to make -- I just
co
3 want your record to be clear.
4
d.
MR. WOOTEN: Sure.
5 MR. CASH: You're asking is there only the
au
6 one agreement, right?
7 BY MR. WOOTEN:
Fr
8 Q My question is, is there -- there's one
9 contract that we have talked about, that I don't have
re
10 a copy of here today, between LPS Default Solutions
11
su
and each of the other codefendants, one with Scott
12 Humphrey and one with Option One. And what I'm asking
clo
13 is, is are there any other written agreements, other
14 than those individual agreements we just talked about,
re
15 with respect to any of the other defendants to this --

16 to this action?
Fo

18 Q Okay. Have you reviewed the information
op
19 which you produced to us today in preparing for this

20 deposition with respect to the documents that were
St
21 produced and marked previously as document -- as

22 Plaintiffs' Exhibit 24?
w.
23 A Yes.
24 Q You've gone through each of those documents
ww
25 individually?
367 VALLEY AVENUE

Page 133
m
1 A I've looked at them, yes.
2 Q Okay. Were you able to ascertain from those
co
3 documents that force placed insurance was actually in
4
d.
place with respect to the Wood loan?
5 A No, it was not.
au
6 Q Okay. Are there any companies which provide
7 force placed insurance who fall within the LPS, Inc.,
Fr
8 umbrella?
9 A I don't know.
re
10 Q You're not aware of any?
11 A
su
I don't know.
12 Q Again, with respect to something that we
clo
13 indicated as the DDCH screen, which I will represent
14 to you is a screen within MSP, did you make any
re
15 inquiry as to whether or not you could access that

16 screen and obtain copies of any images or
Fo
17 correspondence or data contained within that field?

18 A No, I did not.
op
19 Q Did you ask anyone on your behalf to make

20 any inquiry?
St
21 A No, I did not.

22 Q As we sit here today, do you have any idea
w.
23 as to whether or not an employee of LPS Default

24 Solutions could readily access that information from
ww
25 any terminal of LPS Default Solutions?
367 VALLEY AVENUE

Page 134
m
2 Q And you made no inquiry?
co
3 A Not at this time.
4
d.
Q With respect to the information in the field
5 called the Fee 1 screen, which I'll represent to you
au
6 is also an MSP field, did you make any inquiry as to
7 whether or not you could obtain any images or copies
Fr
8 from that field?
9 A No, I have not.
re
10 Q And would your response be the same with
11
su
respect to the DDCH, that you did not seek to have
12 anyone verify whether or not an LPS Default Solution
clo
13 employee could get to that information?
14 A No, I did not. I don't know. It would be
re
15 the same as the P309 screen.

16 Q Actually, it's a little bit easier to get to
Fo
17 than the P309 screen.

18 A Okay.
op
19 Q With respect to the identification of each

20 and every user who input any information into the
St
21 Fidelity system regarding a client's loan, I think

22 y'all provided a fairly decent number of persons who
w.
23 had been involved in that. Did you make an effort to

24 obtain that information from the software?
ww
25 A The Fidelity system as being Process
367 VALLEY AVENUE

Page 135
m
1 Management?
2 Q Well, and I guess because --
co
3 A Because Process Management, we did, so...
4
d.
Q Sure. And I guess that's where I need to
5 clarify. What -- are you saying that what you
au
6 produced is that information with respect to Process
7 Management?
Fr
9 Q Okay. What about with respect to Document
re
10 Management?
11 A
su
No, we did not provide them with Document
12 Management.
clo
13 MS. NEWMAN: I'm sorry, I wasn't listening.
14 MR. WOOTEN: Well, what I asked for had to
re
15 do with respect to the area of inquiry of No. 19,

16 which was information identifying each user who
Fo
17 inputted information into the system. And I will

18 just tell the two of you that previous to today,
op
19 I had never had anybody try to distinguish

20 between the platforms that he's referenced with
St
21 Process Management, Document Management, invoice

22 billing as not being a part of MSP. So that was
w.
23 the reason that that request was phrased in that

24 way.
ww
25 MR. CASH: Okay.
367 VALLEY AVENUE

Page 136
m
1 MR. WOOTEN: So I'll adjust those requests
2 in the future.
co
3 BY MR. WOOTEN:
4
d.
Q So what you're saying is, is that you
5 provided Process Management --
au
6 A That's correct.
7 Q -- but you did not inquire as to whether
Fr
8 there were any different --
9 A Document Management.
re
10 Q -- users in Document Management?
11 A Right.
su
12 Q And with respect to the MSP fields, you did
clo
13 not inquire at all?
14 A No, I did not.
re
15 Q And we talked previously about the actual

16 agreements for these services, and we -- and we don't
Fo
17 know where we are with respect to that dispute about

18 whether or not --
op
19 MR. CASH: Well, on this -- on this question

20 I can't answer, because it's got three ands
St
21 instead of ors. It says: Agreements to provide

22 bankruptcy, foreclosure, servicing, data --
w.
23 sorry, I'll slow down -- data, etc., services of

24 any nature between any defendants or any other
ww
25 vendors who provide any services for a fee with
367 VALLEY AVENUE

Page 137
m
1 respect to the borrower's loan and, all caps, who
2 paid a fee for said services and, all caps, those
co
3 fees were charged to the borrower's loan.
4
d.
Our response to that would be none, because
5 our fees aren't charged to the borrower's loan.
au
6 We have no agreements --
7 THE WITNESS: Correct.
Fr
8 MR. CASH: -- that would indicate the
9 borrower should ever be charged our fees. So we
re
10 would have no agreements that would fall under
11 that category.
su
12 If that last "and" wasn't there, those would
clo
13 be the contracts that we're talking about.
14 MR. WOOTEN: Sure. But with respect to
re
15 those contracts, I guess what I'm trying to

16 clarify is, is that at this point, we don't have
Fo
17 an agreement about producing those because,

18 obviously, y'all don't want to give those up
op
19 without being forced to or having a

20 confidentiality agreement.
St
21 MR. CASH: Right.

22 MR. WOOTEN: So, that's what I'm trying to
w.
23 clarify.
24 MR. CASH: Right. And frankly, Nick, I'll
ww
25 be honest with you, that may not be true. If we
367 VALLEY AVENUE

Page 138
m
1 can agree to some redaction of very proprietary
2 stuff, specific fee things that we have with --
co
3 you know, so that we're not giving up what our
4
d.
fee structure is to our competitors --
5 MR. WOOTEN: And I'll --
au
6 MR. CASH: -- we may be able to give you the
7 general --
Fr
8 MR. WOOTEN: And I will say that I'm much
9 more concerned about the concept of how those
re
10 fees are passed along more so than how you
11
su
structure your fees.
12 MR. CASH: Okay.
clo
13 MR. WOOTEN: So there might be a way that we
14 can look at that together and agree.
re
15 MR. CASH: Okay. Okay.

16 MR. WOOTEN: I really don't care how you pay
Fo
17 the folks that work for you.

18 MR. CASH: Right.
op
19 MR. WOOTEN: That's y'all's business.

20 MR. CASH: Okay.
St
21 MR. WOOTEN: What I'm concerned about is if

22 things are marked up and added on and then passed
w.
23 on to a consumer.
24 MR. CASH: Absolutely. I understand that.
ww
25 MR. WOOTEN: So that's my bigger concern
367 VALLEY AVENUE

Page 139
m
1 there. And we're off to Exhibit 2.
co
3 identification.)
4
d.
BY MR. WOOTEN:
5 Q I'm going to show you a document,
au
6 Mr. Newland, I've marked previously as Plaintiffs'
7 Exhibit 2, and ask you if you -- I'll represent to
Fr
8 you, I'm sorry, that that is a copy of the Complaint
9 that was filed originally in this action with respect
re
10 to my clients, the Woods, and I'll ask you if you
11
su
reviewed that complaint at all prior to coming here
12 today?
clo
13 A Yes, I have.
14 Q So you've familiarized yourself with the
re
15 allegations made in the complaint, correct?

16 A Uh-huh.
Fo
17 Q All right. That's fine. I just wanted to

18 make sure that you had had a chance to take a look at
op
19 that.
20 Now, you indicated at the beginning of your
St
21 deposition that you were familiar with the litigation

22 and you had actually provided an affidavit as support
w.
23 for a motion that had been filed in the case; is that

24 correct?
ww
25 A Yes.
367 VALLEY AVENUE

Page 140
m
1 Q And that was filed by your Alabama attorneys
2 with Huie Fernambucq? And I'll let you read that, I
co
3 won't try to spell it for you. I can't even spell it.
4
d.
I want to go over a couple of things with
5 you --
au
6 A Sure.
7 Q -- from your affidavit, and areas have been
Fr
8 highlighted with respect to the situation. If you
9 want to take a moment and look through that, and I'll
re
10 come back and ask you some questions about it. Or --
11 A
su
Which portion of it? All of it or which
12 portion?
clo
14 identification.)
re
15 MR. WOOTEN: Mike, do you have a copy of his

16 affidavit?
Fo
17 MR. CASH: Yeah, I'm looking right now,

18 trying to find it, because I'm pretty sure I do.
op
19 Yes, I do.
20 BY MR. WOOTEN:
St
21 Q Well, that's fine. If you want to, you can

22 take a look at Mike's copy and just hand me back that
w.
23 one I've highlighted, and I'll ask you questions.

24 That'll make us move a little bit faster.
ww
25 Beginning at the Paragraph No. 3 -- tell me
367 VALLEY AVENUE

Page 141
m
1 when you're there -- with respect to your affidavit
2 now.
co
3 A Uh-huh.
4
d.
Q You indicate that Fidelity, which we've
5 already talked about in this case, talking about
au
6 LPS --
Fr
8 Q -- manages data and communications within
9 its proprietary technology in foreclosure and
re
10 bankruptcy cases, enabling servicers and servicers'
11
su
law firms to efficiently and effectively manage
12 mortgage loans in default.
clo
14 Q And then in Paragraph 4, you indicate that
re
15 the services and technology included monitoring the

16 status of legal actions, tracking action items, and
Fo
17 providing reports to Option One, by LPS Default

18 Solutions, in regard to the Woods' loan.
op
20 Q And you indicated that those services did
St
21 not include selecting a law firm to represent Option

22 One or determining what they should do with respect to
w.
23 that loan?
ww
25 Q And then in Paragraph 6, you indicated that
367 VALLEY AVENUE

Page 142
m
1 LPS Default Solutions did not select, hire, or retain
2 Scott Humphrey.
co
3 A That's correct.
4
d.
Q You indicated that decision was made by
5 Option One, right?
au
7 Q In Paragraph 7, you indicated from reading
Fr
8 our complaint that your Process Management notes do
9 not show any charges or fees from Fidelity.
re
10 A That's right.
11 Q
su
Are there other places within software
12 services that LPS Default Solutions uses which might
clo
13 indicate that there were fees charged from Fidelity,
14 or from LPS Default Solutions?
re
15 A No.
16 Q So nowhere in the MSP software would it
Fo
17 indicate that there were fees which were charged which

18 should be ultimately paid to LPS Default Solutions?
op
19 A No, we don't charge fees to the customers.

St
21 THE WITNESS: To the customers.

22 BY MR. WOOTEN:
w.
23 Q In Paragraph 8, second sentence, you

24 indicated that LPS Default Solutions has not received
ww
25 any moneys from Option One for services performed
367 VALLEY AVENUE

Page 143
m
1 regarding plaintiffs' mortgage loan.
co
3 Q Now, are you speaking generally about any
4
d.
payment at all from Option One, are you talking about
5 specifically the services provided regarding this
au
6 foreclosure that took place?
7 A Specifically.
Fr
8 Q Okay. So we're dealing with -- your
9 testimony is that for the support and services that
re
10 you provide regarding a foreclosure, that Option One
11
su
does not pay you any money?
clo
13 Q Now, with respect to Scott Humphrey, he pays
14 you a referral fee for having this loan come to him
re
15 through the referral network of LPS Default Solutions?

16 A He does not pay a referral fee, he pays an
Fo
17 administrative support fee.

18 Q Okay. Tell me what the administrative
op
19 support fee is.

20 A Basically to help maintain the information
St
21 within the system of record.

22 Q Okay. And what is the fee?
w.
23 A I don't know off the top of my head what

24 the -- you're talking about the exact amount of the
ww
25 fee?
367 VALLEY AVENUE

Page 144
m
1 Q Well, how is that fee derived? I mean, is
2 it a percentage or is it a set dollar amount, or how
co
3 do you arrive at that fee?
4
d.
A It's a dollar amount that's determined by
5 our executives, I believe.
au
6 Q Okay. Is it based on the dollar value of
7 the loan or is it --
Fr
8 A No.
9 Q -- based on the service to be provided?
re
10 A It's -- it's a flat fee.
11 Q Okay.
su
Do you know if Mr. Humphrey would
12 have added the amount of that support fee to the
clo
13 attorney fees which he billed to Option One?
14 A I don't know.
re
15 Q Do you know if your agreement with

16 Mr. Humphrey's firm required him to perform the
Fo
17 foreclosure services for a set fee?

18 A Yes. I mean, it's all basically relative to
op
19 the fees that are incurred, that are set forth by the
20 client.
St
21 Q All right. And when you say they're set

22 forth by the client, there actually is a fee structure
w.
23 for these types of services. And this is a

24 generalization, Mike, but even with respect to
ww
25 bankruptcies and foreclosures, most of those
367 VALLEY AVENUE

Page 145
m
1 guidelines come from either the government sponsored
2 enterprises or some entity like that, right?
co
3 A That is my understanding.
4
d.
(Brief interruption.)
5 THE WITNESS: That is my understanding.
au
6 MR. WOOTEN: Whose phone? Oh.
7 THE VIDEOGRAPHER: I'm sorry.
Fr
8 MR. WOOTEN: Oh, okay. I was just making
9 sure nobody was getting us.
re
10 BY MR. WOOTEN:
11 Q
su
But in general, the fee for a foreclosure is
12 more or less governed by those entities that had
clo
13 dominated the market for so long, Fannie and Freddie;
14 is that correct?
re
15 A That would be my understanding, that the fee

16 structures are set forth based off of those
Fo
17 assessments, and then the clients make the

18 determination as to whether they're going to look at
op
19 those fee structures or not.

20 Q Do you know if the contract between Scott
St
21 Humphrey and LPS Default Solutions required him to

22 submit his invoices through your Invoice Management
w.
23 system?
24 A I don't know. I don't know.
ww
25 Q So that is something that we cannot
367 VALLEY AVENUE

Page 146
m
1 ascertain without looking at the actual agreement?
2 A That would be my understanding.
co
3 Q Okay. All right. Do you know if the
4
d.
contract between Option One and LPS Default Solutions
5 required that they communicate with the foreclosure
au
6 attorney through the document or the process solutions
7 portion of your business, Process Management?
Fr
8 A Yes, they are required to go through Process
9 Management with their information.
re
10 Q Okay.
11 A
su
As far as the updating events and requesting
12 of certain documents, those things.
clo
13 Q So is it your understanding that as between
14 the contract between LPS Default Solutions and Option
re
15 One, and LPS Default Solutions and Scott Humphrey,

16 that between the covenants in those agreements, Scott
Fo
17 Humphrey could not go directly to Option One and say,

18 pay my fee?
op

20 I -- Scott Humphrey could always go and request, if he
St
21 wanted to, through Option One, I just don't know.

22 Q Okay. So without seeing the agreement, you
w.
23 don't know if he was required to submit invoices

24 through LPS Default Solutions and that they were
ww
25 required to pay the invoices that he submitted through
367 VALLEY AVENUE

Page 147
m
1 LPS Default Solutions?
co
3 Q Is not a portion of the benefit of the
4
d.
bargain that your company provides that the servicers,
5 such as Option One, know what they will pay for these
au
6 services which are provided by the network attorneys?
7 A Run that by me again.
Fr
8 Q Okay. Part of the benefit that LPS Default
9 Solutions provides to a servicer is that a servicer
re
10 knows that they can get an LPS network attorney who's
11
su
going to provide services for a certain fee. Is that
12 part of the benefits you provide?
clo
13 A They -- they basically choose the attorney,
14 so it's up to them to make that decision.
re
15 Q I didn't say that they didn't.

16 A Okay.
Fo
17 Q What I'm saying is, is that with respect to

18 your network attorneys, you can truthfully state to
op
19 any servicer, including Option One, that your network

20 attorneys are going to provide services for a certain
St
21 fee?
w.
23 Q And that's because of the agreement you have

24 with the network attorney?
ww
25 A We have an agreement with the attorneys.
367 VALLEY AVENUE

Page 148
m
1 Q Right. Okay.
2 A But then again, Option One can utilize any
co
3 attorney that they wish.
4
d.
Q I understand.
5 A Okay.
au
6 Q I'm just saying that part of the benefit
7 that you're providing is that Option One, who's a
Fr
8 California corporation, can hire an attorney who's an
9 LPS Default Solutions network attorney in Alabama to
re
10 go to DeKalb County and foreclose without having to
11
su
prequalify them in any way, they know what those costs
12 are going to be?
clo
13 A That's -- that's strictly up to the client.
14 Q My question is much more esoteric than that,
re
15 really. I know -- I understand what you're saying.

16 A Okay.
Fo
17 Q I'm just saying that when you go out and

18 shop your services to a servicer, like Option One,
op
19 you're telling them that you provide a national

20 network of attorneys who will perform services for a
St
21 fixed amount of money, depending on what service

22 they're providing, don't you?
w.
23 A As far as the service provided, we basically

24 go out and discuss what attorneys we have within our
ww
25 network, but all clients have the ability to choose
367 VALLEY AVENUE

Page 149
m
1 any attorney they wish to choose and utilize that they
2 want, period.
co
3 Q Sure. Again, I understand that answer.
4
d.
A Okay.
5 Q And -- but my question is much more general.
au
6 What I'm saying to you is, is because Option One has
7 made this contract with LPS Default Solutions, that
Fr
8 they know that if they upload a foreclosure and it is
9 sent to a network attorney, that attorney is going to
re
10 perform those services for a set fee?
11 A
su
Determined by the client, yes.
12 Q Okay. And so, you ask them in their
clo
13 agreements to set those fees that they will pay,
14 right?
re
15 A Yes, we do.
16 Q And is it your testimony, again, that fee
Fo
17 structure more or less comes straight from Fannie and

18 Freddie and the government sponsored enterprises,
op
19 right?
20 A The clients utilize that.
St
21 Q And most clients don't deviate from that, do

22 they?
w.
23 A I don't know.
24 THE VIDEOGRAPHER: Excuse me. Need to
ww
25 change tape.
367 VALLEY AVENUE

Page 150
m
1 MR. WOOTEN: Need another tape? Sure.
co
4
d.
(Lunch break.)
au
6 beginning of Videotape No. 4.
7 BY MR. WOOTEN:
Fr
8 Q Mr. Newland, when we left off, we were
9 talking about Paragraph No. 8 of your affidavit. You
re
10 said that Fidelity has not received any moneys from
11
su
Option One for services performed regarding
12 plaintiffs' mortgage loan. We established that what
clo
13 you were referring to there specifically were the
14 default services which were provided by LPS Default
re
15 Solutions with respect to the foreclosure case?

16 A Uh-huh.
Fo
17 Q And you indicated that Fidelity does not pay

18 LPS Default Solutions any money for the work it does
op
19 with respect to a foreclosure?

20 A Fidelity does not pay --
St
21 Q I'm sorry. Option One does not pay --

w.
23 Q -- LPS Default Solutions any money?

ww
25 Q You did indicate that LPS Default Solutions
367 VALLEY AVENUE

Page 151
m
1 charges an administrative support fee to the attorney
2 who is the network attorney assigned to the
co
3 foreclosure?
4
d.
A Yes.
5 Q What we were trying to establish at the
au
6 point in time we had to take that break was how is
7 that fee determined, and I think you indicated that it
Fr
8 was a flat fee?
9 A Yes.
re
10 Q And that it was -- is it based upon the fee
11
su
that the attorney charges, or is it --
12 A No.
clo
13 Q -- based upon some other factor?
14 A It's just based on the services we provide
re
15 with the attorney.

16 Q Okay. And so is there a fee for separate
Fo
17 services which LPS Default Solutions provides?

18 A No. We're contracted with the attorney.
op
19 Q So every fee which LPS Default Solutions

20 charges would be contained in the agreement between
St
21 LPS and Scott Humphrey?

w.
23 Q And every fee or payment due from Option One

24 to LPS Default Solutions would also be contained
ww
25 within the contract that was executed between those
367 VALLEY AVENUE

Page 152
m
1 parties?
2 A There's no fee between Option One and LPS.
co
3 Q Never under any circumstances?
4
d.
A No.
5 Q With respect to the remaining allegations of
au
6 that paragraph, it is your testimony that LPS Default
7 Solutions does not provide payoff figures to a
Fr
8 plaintiff or to a party who is in foreclosure?
9 A No, we do not provide the payoff figures to
re
10 the customers -- or the plaintiff.
11 Q
su
And that is not just with respect to my
12 clients, the Woods, but with respect to your entire
clo
13 business model?
re
15 Q And if the Woods were to have contacted LPS

16 Default Solutions and requested verification of an
Fo
17 amount owed, your testimony is, is that LPS Default

18 Solutions would not have that information?
op
19 A No, we would not -- we would not discuss the

20 information with the customer, we would refer the
St
21 customer back to either the attorney and/or the

22 client, which would be Option One in this case.
w.
23 Q And your testimony is, is that LPS Default

24 Solutions does not engage in any collection efforts
ww
25 with -- is that generally or with respect only to my
367 VALLEY AVENUE

Page 153
m
1 client's loan?
2 A Generally. We do not discuss anything with
co
3 any customer.
4
d.
Q So no one from LPS Default Solutions in
5 either Mankato, Minnesota, or, Jacksonville, Florida,
au
6 ever calls a mortgage borrower who is in foreclosure
7 about collecting on the amount that's owed with
Fr
8 respect to the foreclosure?
9 A Absolutely not.
re
10 Q And it's your testimony that LPS does not
11
su
provide any information to any credit bureau?
12 A Absolutely not.
clo
13 Q If Scott Humphrey uploaded an invoice for
14 services into the document or the -- I'm sorry,
re
15 Process Management database -- actually, that would go

16 into your invoicing system, wouldn't it?
Fo
18 Q Would he make an entry with respect to the
op
19 amounts of the -- those attorney's fees?

20 A He typically would.
St
21 Q And would he provide in addition to the

22 invoice any images which supported those charges?
w.
23 A In most cases the attorney would.

24 Q With respect to this loan, did that occur?
ww
25 A I don't know. I know there was invoices
367 VALLEY AVENUE

Page 154
m
1 uploaded, but I do not know if those -- if there was
2 copies of anything behind those.
co
3 Q Is it your testimony that LPS Default
4
d.
Solutions does not increase the amount billed to any
5 consumer for any charge or service provided during the
au
6 time that it manages the foreclosure process?
7 A That's correct, we do not.
Fr
8 Q Does LPS Default Solutions have any
9 agreement with any provider of services who does
re
10 charge a fee to a consumer in the foreclosure process
11
su
whereby that fee is shared with LPS Default Solutions?
12 A No.
clo
13 Q And your testimony is that never happens,
14 not with respect to any fee, including any attorney's
re
15 fee?
16 A No.
Fo
17 Q Does Fidelity charge to Option One -- I'm

18 sorry.
op
19 Does LPS Default Solutions charge to Option

20 One any amount of money at any time for referring a
St
21 foreclosure file for foreclosure services through the

22 LPS Default Solutions platform?
w.
23 A No.
24 Q Does it receive any remuneration of any type
ww
25 from any source for Option One uploading a foreclosure
367 VALLEY AVENUE

Page 155
m
1 to LPS Default Solutions?
2 A No.
co
3 Q So I just want to be sure. What you're
4
d.
testifying to is that there is no compensation ever
5 paid by the servicer to LPS Default Solutions for all
au
6 this work that it does on behalf of the servicer with
7 respect to the foreclosure?
Fr
8 A No.
9 Q There is compensation or there is not
re
10 compensation?
11 A
su
No, there's no compensation.
12 Q Is it your testimony then that the only fees
clo
13 which LPS Default Solutions collects with respect to
14 the foreclosure of any given loan is the
re
15 administrative support fee charged to the network

16 attorneys?
Fo
17 A Yes.
18 Q And the division of LPS Default Solutions
op
19 which we are here about today and which you are

20 testifying as a 30(b)(6) representative, the only
St
21 source of income it derives for its work with respect

22 to foreclosure is the administrative support fee?
w.
23 A That's my understanding.
24 Q Other than the administrative support fee,
ww
25 does it charge a fee for accessing documents on the
367 VALLEY AVENUE

Page 156
m
1 new document system?
2 A No.
co
3 Q So your testimony today is that the only
4
d.
compensation of any type, of any nature, paid to LPS
5 Default Solutions is the administrative support fee,
au
6 and it funds all of the activities and makes all the
7 profit, pays all the overhead of LPS Default
Fr
8 Solutions?
9 A That's my understanding, for the third time.
re
10 Q Paragraph 11 of your affidavit says that LPS
11
su
Default Solutions has no record of receiving any
12 portion of funds received from any foreclosure of
clo
13 plaintiffs' mortgage?
re
15 Q And is that comment based upon the contents

16 of the Process Management system?
Fo
17 A Yes.
18 Q And it is your testimony that your employees
op
19 do have access to MSP as a portion of the work that

20 they do, correct?
St
21 A They have access to certain screens within

22 MSP, correct.
w.
23 Q Would that be the foreclosure screens within

24 MSP?
ww
25 A It would be access to limited amounts of the
367 VALLEY AVENUE

Page 157
m
1 foreclosure workstations.
2 Q The next sentence of that affidavit says
co
3 that Fidelity, or LPS Default Solutions, did not
4
d.
initiate foreclosure proceedings regarding the Woods'
5 mortgage.
au
7 Q And that there was no direct contact with
Fr
8 the plaintiffs regarding their mortgage account.
re
10 Q I'm going to just pull off these pages,
11
su
there's 25 pages here, they're Process Management
12 notes that are part of the cumulative Exhibit No. 24
clo
13 in this case.
14 A Uh-huh.
re
15 Q This is, according to you, Mr. Newland, all

16 of the Process Management notes for this loan; is that
Fo
17 correct?
op
19 Q Does this represent every entry of

20 information regarding the Woods' mortgage loan on the
St
21 LPS Default Solutions Process Management platform?

w.
23 Q So this is actually organized in a reverse

24 chronological fashion, correct?
ww
367 VALLEY AVENUE

Page 158
m
1 Q So if we want to start at the beginning, we
2 really should turn over to the last page, which is
co
3 No. 157, right?
4
d.
A Uh-huh.
5 Q And No. 157, that says written by. What
au
6 does written by mean with respect to that entry?
7 A That's who entered in the transaction.
Fr
8 Q And who did that in this case?
9 A It was basically done through an auto
re
10 process.
11 Q
su
Whose auto process?
12 A Our auto process.
clo
13 Q LPS's, right?
re
15 Q And then entry No. 156 says what?

16 A It says a foreclosure, NIE ID No. 3550946,
Fo
17 was sent to Scott Humphrey at 6 -- on June 1st, 2007

18 at 9:07:50 a.m. by an automated task.
op
19 Q And that was also done by LPS Default

20 Solutions automated process?
St
22 Q And the NIE ID number is, in fact, a New
w.
23 Image ID number which would identify the documents

24 which were sent to Scott Humphrey on June 1st, 2007,
ww
25 correct?
367 VALLEY AVENUE

Page 159
m
2 Q Document No -- or entry No. 154, please tell
co
3 me to the best of your understanding what that entry
4
d.
indicates.
5 A Basically it's an entry: Process opened
au
6 June 1st, 2007, by user Fidelity AutoProc, process is
7 basically to obtain any type of imaged docs that are
Fr
8 currently out there.
9 Q Where would those imaged docs be located?
re
10 A Could be possibly located in the imaging
11
su
system for Option One Mortgage.
12 Q Okay. And I thought we just talked about
clo
13 the fact that your folks didn't mess with Option One's
14 data. Didn't you testify that --
re
15 A Well, this is --
16 Q -- LPS --
Fo
17 A This actually -- this actually is an event

18 that's worked by the client, not by us.
op
19 Q But --
20 A We just -- the process was just
St
21 automatically opened, auto opened for the client to

22 basically look into their imaging system to see if any
w.
23 other docs were available for referral.

24 Q So whenever it says --
ww
25 A OS.
367 VALLEY AVENUE

Page 160
m
1 Q -- written by at the top, whatever the entry
2 is there would tell us --
co
3 A Who opened the process.
4
d.
Q -- who did it and what company, right?
5 A Yes.
au
6 Q Okay. And so, what you're saying is, is
7 that after your company automatically processed a
Fr
8 foreclosure and sent it out to Scott Humphrey, that it
9 then went out and sought whatever image documents that
re
10 Option One might have?
11 A
su
This is based on the client. Client has set
12 this process up. All we are is the facilitator for
clo
13 the opening of that process for the client.
14 Q It doesn't say that Option One did this
re
15 though, does it?

16 A No, but we're contracted by Option One to
Fo
17 facilitate the opening of this process.

18 Q Sure.
op
19 A That's their request.

20 Q And you agree with me that that is done by
St
21 your system and your company?

22 A Yes, it's done by our system.
w.
23 Q Entry No. 153, later that same day, appears

24 to be the entry where Scott Humphrey received that
ww
25 file?
367 VALLEY AVENUE

Page 161
m
1 A That's correct.
2 Q And then 152 is another automated process by
co
3 your company indicating -- acknowledging the time
4
d.
which Scott Humphrey picked up these -- this
5 foreclosure and who within his office picked it up,
au
6 correct?
7 A Yes.
Fr
8 Q And then entry No. 151 appears to be an
9 Option One Mortgage Company entry; is that right?
re
11 Q
su
And does it indicate what images were
12 provided by Option One in that entry?
clo
14 Q And that indicates that there was a note and
re
15 a HUD and an RSI. Do you know what that is?

16 A No, I do not. Probably a recorded security
Fo
17 instrument, is probably what it stands for.

18 Q All right.
op
19 A Stipulated up in No. 150. If you look up at

20 150, there you go.
St
21 Q All right. Gotcha. And do you know what

22 NOI is?
w.
23 A Notice -- notice of intent.

24 Q Is that -- the notice of intent, is that the
ww
25 letter notifying the client of the intention to
367 VALLEY AVENUE

Page 162
m
1 foreclose?
2 A That's my understanding.
co
3 Q And then the MB NOI, what -- what does that
4
d.
mean?
5 A I don't know what the MB -- what that stands
au
6 for.
7 Q And then, as we just talked about, the next
Fr
8 entry, 150, indicates the actual documents which
9 Option One Mortgage company --
re
10 A Identified.
11 Q
su
-- identified, right?
12 A Uh-huh.
clo
13 Q And then Entry 149 indicates that this same
14 user for Option One provided the imaged docs to the
re
15 attorney that same date?

16 A Yeah, that's completion of the event.
Fo
18 THE WITNESS: Completion of the event.
op
19 BY MR. WOOTEN:
20 Q And the Entry No. 147, apparently, at the
St
21 top of that page is another automated process where

22 your system updates that that has been sent to Scott
w.
23 Humphrey?
24 A That Scott Humphrey picked up the documents.
ww
25 Q And the Entries 145 and 144 are again
367 VALLEY AVENUE

Page 163
m
1 automated entries by your company --
2 A Yes.
co
3 Q -- is that correct?
4
d.
A It's basically where the documents were
5 picked up in New Image at that time, which is an
au
6 imaging platform, and it's also time stamped when they
7 pick them up through that system also back into
Fr
8 Process Management, so we basically have dual entries.
9 Q Have you ever looked at the New Image
re
10 software from the attorney side? Are you familiar
11
su
with whether they have to go through authorization or
12 commitment screens or anything like that to pick up
clo
13 these documents?
re
15 Q So you don't have any idea?

16 A No. I know they're picked up through the
Fo
17 user IDs. We have user IDs for all three systems.

18 Q Is a user ID the same for all three systems?
op
19 A You can have the same log-in for all three

20 systems presently now.
St
21 Q I'm sorry, at the present time --

22 A At the present time.
w.
23 Q -- they have a different log-in for each

24 system?
ww
25 A I don't recall --
367 VALLEY AVENUE

Page 164
m
1 MR. CASH: I'm going to instruct you not to
2 answer that. We're getting into proprietary --
co
3 THE WITNESS: Okay.
4
d.
MR. CASH: -- security stuff that has
5 nothing to do with this lawsuit. So, objection,
au
6 relevance. Instruct you not to answer. Also
7 objection, proprietary.
Fr
8 BY MR. WOOTEN:
9 Q On the entry that begins at the top of
re
10 Page 23 of those documents, right above 140, but it's
11
su
actually entry No. 139, which carries over onto
12 Page 22, it indicates that Karen Singleton with Scott
clo
13 Humphrey's office completed the F119 Attorney Fees
14 Owed data form with the following entries, amount
re
15 outstanding $1300 estimated only. That information

16 would have been provided to Fidelity -- or to LPS
Fo
17 Default Solutions at that time?

18 A Yeah, that was completed by Karen Singleton
op
19 in Scott Humphrey's office for, in this case, it

20 would've been the bid process, which it was basically
St
21 stating what they believe the fees would be for the

22 bid.
w.
23 Q And then at Page 1 -- or Entry 136, you have

24 an issue crop up.
ww
25 A Uh-huh.
367 VALLEY AVENUE

Page 165
m
1 Q And this is 6/18 of 2007. Does that
2 indicate that the house had burned to the ground and
co
3 there was an insurance claim?
4
d.
A Yes, that the house had burned.
5 Q And that the mortgage was supposed to have
au
6 been paid in full?
7 A Yes.
Fr
8 Q And does this indicate that the property
9 actually belongs to this gentleman who called in, a
re
10 Mr. Steele?
11 A
su
It says that this land is -- that this is
12 the land that Mr. Steele and his sister inherited from
clo
13 their parents.
14 Q And the last sentence says: But he did want
re
15 us to inform client that there is nothing that belongs

16 to the mortgagee, because the property actually
Fo
17 belongs to him, Mr. Steele?

18 A That's correct, that's what's stated in it.
op
19 Q Who would this -- this issue would have gone

20 back to your company, correct?
St
22 Q And when this issue went back to LPS, it
w.
23 would've been your company's voluntary undertaking to

24 determine what Option One wished to do about this
ww
25 issue, right?
367 VALLEY AVENUE

Page 166
m
1 A No, we brought the issue to Option One's
2 attention. As you can see in the note that's just
co
3 above it, in 134, on June 18th at 5:06 p.m.
4
d.
Q And it's -- and this involves Brandi Smith,
5 who is a Fidelity employee?
au
6 A That's correct.
7 Q And Ann Russo, who is an Option One Mortgage
Fr
8 Company employee, right?
9 A That's correct.
re
10 Q Does Brandi Smith work in Jacksonville or
11
su
does she work in Mankato?
12 A Off the top of my head, I don't -- I don't
clo
13 know which location she works at. She may even be one
14 of our work-at-home representatives.
re
15 Q Is there any way to tell from her entry --

16 A Which location she is?
Fo
17 Q -- where her location is?

18 A No.
op
19 Q Now, ultimately asked the question of this

20 lady at Option One as to whether or not her office has
St
21 any information regarding an insurance claim or action

22 on the property, right?
w.
23 A I'm sorry, repeat that again.

24 Q At the bottom, the last sentence of Entry
ww
25 134, it appears that your employee, Brandi Smith,
367 VALLEY AVENUE

Page 167
m
1 asked Ann Russo if her office had any info regarding a
2 possible insurance claim or action on this property?
co
3 A That's correct.
4
d.
Q What is the APR score or ranking with
5 respect to your foreclosure attorneys?
au
6 A What is the APR ranking?
7 Q Or score, attorney performance review or
Fr
8 attorney performance ranking, APR?
9 A Uh-huh.
re
10 Q What is that?
11 A
su
It's a scoring mechanism we utilize to show
12 where the attorneys are performing in relation to the
clo
13 other attorneys within the state.
14 Q Within the state?
re
15 A Yes.
16 Q Does that extend at all beyond the state to
Fo
17 the region or to the country?

18 A Well, there are service levels that are also
op
19 in the national.
20 Q And how is that APR measured?
St
21 MR. CASH: I have a better question. How is

22 that relevant to this lawsuit?
w.
23 MR. WOOTEN: It's relevant to this lawsuit,

24 Mike, because what you will learn about the APR
ww
25 ranking is that it requires the attorneys to
367 VALLEY AVENUE

Page 168
m
1 perform certain tasks and certain --
2 MR. CASH: Trust me, I know all about the
co
3 APR ranking.
4
d.
MR. WOOTEN: And the reason it's relevant
5 is, is they are basically put in a position to
au
6 rush to get through these projects without being
7 concerned about accuracy. So I'd like for the
Fr
8 Court to understand what the APR is and why it
9 affects the network attorneys.
re
10 MR. CASH: So it's your allegation in this
11
su
case that the problem was rushed because of the
12 APR? That -- I mean, if that's your allegation,
clo
13 that's fine.
14 MR. WOOTEN: It is -- my allegation, it is a
re
15 factor contributing to mistakes that were made.

16 MR. CASH: Go ahead and answer.
Fo
17 THE WITNESS: Can you repeat the question

18 one more time, please.
op
19 BY MR. WOOTEN:
20 Q Sure. What I'm looking for, Mr. Newland, is
St
21 an explanation so that the Court may understand what

22 the APR ranking is and how it translates to the
w.
23 business model that your company employs. And you

24 indicated that it is a scoring mechanism that ranks an
ww
25 attorney's performance vis-a-vis the performance of
367 VALLEY AVENUE

Page 169
m
1 other attorneys within a state.
2 So is that to be assumed from that response
co
3 that a higher APR ranking means that that attorney, by
4
d.
your measure, is doing better than a lower APR
5 ranking?
au
6 A They could be performing better, yes.
7 Q Okay. And how do you determine the APR
Fr
8 ranking of a given attorney?
9 A The APR ranking is based off of the
re
10 completion of events that are within the APR scoring
11 module.
su
These events are based off the data that's
12 inputted by the attorneys, then it's compared against
clo
13 their peers within that state, based off of days to
14 complete the actions.
re
15 Q So, for instance, there is a recommended

16 time frame from delivery of a foreclosure referral to
Fo
17 completion of the foreclosure sale, correct?

18 A There is a time frame, yes.
op
19 Q What is that time frame, sir?

20 A Time frame for the state of Alabama?
St
21 Q Uh-huh.
22 A I believe it's 90 days.
w.
23 Q And that is from, in this case, June 1st of

24 2007, which -- when it was opened and sent to Scott
ww
25 Humphrey, until the sale is complete?
367 VALLEY AVENUE

Page 170
m
1 A That's correct.
2 Q And your APR measures how the attorney does
co
3 in completing these events within those time frames,
4
d.
correct?
5 A That's correct.
au
6 Q And so, that is based entirely upon the data
7 which is entered in the Process Management system,
Fr
8 correct?
9 A Yes.
re
10 Q And I'm assuming that there is a reporting
11
su
function within the Process Management system which
12 tracks these key events for each of these attorneys?
clo
13 A Yes, there is.
14 Q Other than the time to complete the
re
15 foreclosure sale from beginning to end, what other

16 measures does your firm employ with respect to your
Fo
17 network attorneys who are engaged in foreclosure

18 practice?
op
19 A What other measurements as far as the APR?

20 We also measure service levels.
St
21 Q When you indicate service levels, can you

22 explain that for me?
w.
23 A Sure. How often do they complete their

24 re-projections on time.
ww
25 Q A re-projection is when a date has to be
367 VALLEY AVENUE

Page 171
m
1 refigured?
2 A When -- yeah, when an event comes due, they
co
3 need to go in and basically tell us what the reasoning
4
d.
is behind not being able to complete that event and
5 then we will approve off on the re-projection. Then
au
6 there's also service levels for fees and costs that
7 are incurred for the basically completion of the fees
Fr
8 and costs.
9 Q Is that for the form F119 we mentioned
re
10 earlier?
11 A
su
Not necessarily that. There's a fees and
12 costs module within Process Management that is
clo
13 measured by when the attorney -- when we send out a
14 fees and costs request from the clients, how quickly
re
15 do they complete those fees and costs for the client.

16 Q And does that require an exact cost or an
Fo
17 estimated cost?
18 A There could be -- it depends on the client,
op
19 but it could be two different areas. It could be

20 exact cost and/or possibility of future costs,
St
21 depending on the good through date.

22 Q With respect to this measure of APR, are
w.
23 there any other factors for an attorney engaging in

24 foreclosure practice as an LPS Default Solutions
ww
25 network attorney which are considered?
367 VALLEY AVENUE

Page 172
m
1 A No.
2 Q So the APR consists of how fast they
co
3 complete the initial assignment; if the assignment is
4
d.
reprojected, whether they complete it on time; and
5 whether they respond to a request for costs in a
au
6 timely fashion?
Fr
8 Q And that is the entire basis of the APR for
9 attorneys in Alabama who are network attorneys?
re
10 A Short version.
11 Q Okay.
su
When you say "short version" --
12 A Just condensing, I mean.
clo
13 Q Sure. I'm assuming that -- are there other
14 measures under each of these three main headings?
re
15 A No.
16 Q Is there a financial incentive to be one of
Fo
17 the top APR firms in a given state?

18 A No, there is not.
op
19 Q Is it your testimony that your company does

20 not pay bonuses to attorneys who are considered to be
St
21 the highest performers in a given state?

22 A Yes, it is my testimony.
w.
23 Q Is there any other non-monetary incentive to

24 be one of the highest ranking attorneys within the
ww
25 state of Alabama?
367 VALLEY AVENUE

Page 173
m
1 A No, there's not.
2 Q There is not?
co
3 A No. Monetary, no.
4
d.
Q Are there any non-monetary incentives?
5 A No.
au
6 Q Do you award trips or --
7 A No.
Fr
8 Q -- prizes?
9 A Absolutely not.
re
10 Q Does Process Management import any
11
su
information regarding a loan account at the beginning
12 of a foreclosure process from MSP or any other source
clo
13 from the servicer?
14 A We do receive information when we do receive
re
15 the referral from, in this case, Option One Mortgage,

16 as to the unpaid principal balance, address, name,
Fo
17 let's see, last payment date. We do receive that

18 information. And that's from MSP.
op
19 Q You said the unpaid principal balance, the

20 address and what else?
St
21 A Last payment date, customer's name, address.

22 Q Is there a name for this batch of
w.
23 information which is received from MSP with respect to

24 a referred --
ww
25 A I don't know what the batch name is.
367 VALLEY AVENUE

Page 174
m
1 Q -- account? I'm sorry, you don't know what
2 the batch --
co
3 A You're asking for a batch name?
4
d.
Q Yeah, do y'all have something you call it
5 when you get this information?
au
6 A Just loan information.
7 Q Does this loan information provide you with
Fr
8 the balance of any escrow corporate advance or
9 suspense accounts at the time a case is referred to
re
10 LPS for foreclosure?
11 A
su
Not in Process Management, no.
12 Q Does that information come from some other
clo
13 source?
14 A It's provided to the attorneys through
re
15 basically a screen scrape program that we have for

16 the --
Fo
17 Q I'm sorry, you said screen what?

18 A We have a -- the ability to go out and
op
19 capture the screen and provide that to the attorney

20 for the information that they need to provide for
St
21 their financial figures.

22 Q Did you refer to that as a screen scrape?
w.
23 A Yeah, basically all you're doing is pulling

24 the information out and basically just sending a
ww
25 snapshot of the screen, which there's screen shots
367 VALLEY AVENUE

Page 175
m
1 right there for you in that package.
2 Q So sort of like this document --
co
3 A Yeah.
4
d.
Q -- I showed you earlier?
5 A Similar to that, yes.
au
6 Q Exhibit 9. That would be a screen scrape,
7 is your term?
Fr
8 A That would be a snapshot.
9 Q Okay. Entry No. 125, June 19th of 2007?
re
10 A Uh-huh.
11 Q
su
Is Vicki Shelley an LPS Default Solutions
12 employee?
clo
13 A Yes, she is.
14 Q And does that indicate that she has
re
15 submitted a bid to the client for approval and that

16 there is a restricted escrow balance greater than
Fo
17 $5,000?
op
19 Q And she is privy to all of the issues and

20 comments prior to this date with respect to the fact
St
21 that there is an insurance claim on this case,

22 correct?
w.
23 A She's privy to the information; I don't know

24 whether she went back and checked to see that.
ww
25 Q There's no indication there that she knows
367 VALLEY AVENUE

Page 176
m
1 what the restricted escrow balance is, other than it
2 is greater than $5,000, right?
co
3 A That's correct.
4
d.
Q Do you know, as you sit here today, if that
5 information would have been available to her to
au
6 indicate that there was $138,000 in a restricted
7 escrow account on that day?
Fr
8 A I don't know.
9 Q Is it your testimony that LPS Default
re
10 Solutions does not have the authority to cause funds
11
su
which are in any escrow or suspense account to be
12 applied to a mortgage loan --
clo
14 Q -- during the foreclosure process?
re
15 A That is correct, we have no ability to

16 process those funds at all.
Fo
17 Q You are hired by Option One Mortgage Company

18 in this case because your firm provides specialty
op
19 services with respect to foreclosure, correct?

20 A Yes.
St
21 Q And you market yourself as an entity with

22 particular expertise with respect to foreclosure and
w.
23 default issues, correct?

24 A Managing foreclosure processes, yes.
ww
25 Q Sure. And you market yourself as having
367 VALLEY AVENUE

Page 177
m
1 particular expertise in that field, correct?
2 MR. CASH: Which field?
co
3 BY MR. WOOTEN:
4
d.
Q Default solutions, foreclosure, bankruptcy,
5 foreclosure management?
au
6 MR. CASH: Object to the question as
7 multivarious.
Fr
8 BY MR. WOOTEN:
9 Q Your firm, LPS Default Solutions, only
re
10 provides services with respect to loans that are in
11
su
bankruptcy or foreclosure, correct?
clo
13 Q That is the specialty of your firm, is it
14 not?
re
15 A Yes, it is.
16 Q Would it be reasonable for your firm to
Fo
17 inquire as to why there was an escrow balance greater

18 than $5,000 when your firm's notes indicated that an
op
19 insurance claim had paid this mortgage off?

20 A Basically -- based on the bid, we sent this
St
21 over to the client for approval, which has the

22 necessary information that says it is above a certain
w.
23 balance. And with our policies and procedures that

24 have been dictated down to us by the client, we
ww
25 requested this go to the client for this approval for
367 VALLEY AVENUE

Page 178
m
1 the bid, which at that time, the responsibility of the
2 client is to review this and provide us with their
co
3 approval for the bid amount.
4
d.
Q Okay. So your testimony is that no matter
5 what's in that balance of that escrow account, you're
au
6 going to just send this bid on to the client and do
7 whatever they tell you to do, right?
Fr
9 Q Even if the amount in escrow would pay off
re
10 the principal balance of the mortgage?
11 A
su
I don't know if that's the payoff or not,
12 sir.
clo
13 Q Well, we'll come back to that in a minute.
14 But let's assume for a minute that the principal
re
15 balance of the loan is less than $137,000.

16 A I'm not going to assume that though.
Fo
17 Q Okay. All right. What I'm doing is asking

18 you to assume, I'll show you the documents in a
op
19 minute, but if the -- if the principal balance of the

20 loan was less than $137,000 and the restricted escrow
St
21 contained more than $138,000, would it not have been

22 prudent, as the specialist in this area, to notify
w.
23 this client that there were funds which would have

24 satisfied the principal balance of this mortgage?
ww
25 A Well, we've already notified the client
367 VALLEY AVENUE

Page 179
m
1 previously. If you would've read in the previous note
2 back, I believe it was, like in the 150s, we did
co
3 notify the client that there was an issue. Second of
4
d.
all, if you notice in this line No. 125, based on the
5 policies and procedures that have been dictated down
au
6 to us by the client, any restricted escrow balance
7 greater than 5,000 needs to be sent to the client for
Fr
8 approval.
9 So, we followed our direction and provided
re
10 that to the client. That's what I'm testifying to.
11 Q
su
Have you provided myself and my co-counsel
12 with all of these guidelines and directives which you
clo
13 have received from Option One with respect to how your
14 firm should conduct foreclosures on behalf of Option
re
15 One?
16 MR. CASH: I can speak to that. It's my
Fo
17 understanding that we have offered to do so,

18 subject to entry into a confidentiality
op
19 agreement. And at this point, there's been no

20 agreement to keep those confidential, which
St
21 clearly, they're Option One's policies and

22 they're policies dictated to us, so we can't give
w.
23 confidential information without a

24 confidentiality agreement.
ww
25 BY MR. WOOTEN:
367 VALLEY AVENUE

Page 180
m
1 Q Well, when you indicate that you have been
2 given instructions and directives from Option One to
co
3 your firm with respect to how to conduct a foreclosure
4
d.
sale on behalf of Option One or how to manage their
5 process, are you referring to a document generally
au
6 called a subservicing mortgage agreement?
7 A That, I don't know.
Fr
8 Q Would you agree with me that the industry
9 standards with respect to how to conduct a foreclosure
re
10 in the proper process is generally governed by either
11
su
Fannie or Freddie Mae regulations regarding that
12 activity, to the extent that those guidelines serve as
clo
13 an industry standard?
14 MR. CASH: Object. That calls for both a
re
15 legal opinion and an expert opinion, neither of

16 which he's being presented here for today.
Fo
17 30(b)(6) representative.
18 BY MR. WOOTEN:
op
19 Q Would you agree with me that the general

20 principles of mortgage servicing with respect to the
St
21 industry standards come from the guidelines put forth

22 by Fannie Mae and Freddie Mac?
w.
23 MR. CASH: Same objection. Additionally,

24 we're not a mortgagor servicer, so it's asking
ww
25 him to opine beyond his areas.
367 VALLEY AVENUE

Page 181
m
1 If you know, you can answer.
2 THE WITNESS: No.
co
3 BY MR. WOOTEN:
4
d.
Q You don't agree or you don't know?
5 A Repeat the question one more time.
au
6 Q Yes, sir. Let me try and do a little bit
7 better job.
Fr
8 A Thank you.
9 Q With respect to the guidelines which serve
re
10 as the industry standard regards to mortgage
11
su
servicing, would you agree that those are generally
12 considered to be those guidelines published by Fannie
clo
13 or Freddie?
14 MR. CASH: And if you'd just insert the same
re
15 objection as to the last two questions at this

16 point. I repeat those objections.
Fo
17 THE WITNESS: Generally.

18 BY MR. WOOTEN:
op
19 Q Okay. And, again, I understand that any

20 parties to a contract can modify those terms. I'm
St
21 just talking about generally the industry accepts

22 those as the standard, and where they deviate, they
w.
23 deviate by agreement generally; is that fair?

24 A That's fair.
ww
25 Q Okay. In a -- so a subservicing agreement
367 VALLEY AVENUE

Page 182
m
1 with respect to default services is generally an
2 agreement to provide the types of services that your
co
3 firm is providing with respect to a mortgage loan that
4
d.
has become delinquent and needs to foreclose; is that
5 correct?
au
6 A Yes.
7 Q And is there a subservicing agreement
Fr
8 between LPS Default Solutions and Option One Mortgage
9 Company for the provision of the services which you
re
10 have contracted to provide?
11 A
su
I don't know if it's a subservicing
12 agreement or not.
clo
13 Q Okay. Is it in the nature of a subservicing
14 agreement, in that Option One provides to you the
re
15 guidelines they expect for you to follow?

16 A I don't know if it's in the subservicing
Fo
17 agreement, but we do work with Option One in reference

18 to the guidelines that are provided to us.
op
19 Q And is it your interpretation or

20 understanding that those guidelines generally follow
St
21 the industry standard?

22 A Generally.
w.
23 Q So, generally, the industry standard would

24 apply, but there may be deviations as between your
ww
25 specific agreement?
367 VALLEY AVENUE

Page 183
m
1 A There could be.
2 Q But you don't know?
co
3 A I don't know.
4
d.
Q And you haven't reviewed that prior to
5 coming here today?
au
6 A No, I have not.
7 Q The entry at No. 118, dated June the 20th of
Fr
8 2007, indicates that a person by the name of Marques
9 Roberson made this entry?
re
10 A Uh-huh.
11 Q
su
And that he is a Fidelity employee, which
12 would be an LPS employee?
clo
14 Q Do you know where Mr. Roberson's
re
15 employment --
16 A No.
Fo
17 Q -- is domiciled?
18 A No, I do not.
op
19 Q This indicates that it is a forward

20 intercom. Can you explain the significance of that
St
21 type of message?
22 A Sure. Basically what he's doing is he's
w.
23 sending the intercom request to Ann Russo, Karen

24 Singleton, and Robin Smith, just for a general update
ww
25 and based off a payment dispute. Says: Ann, please
367 VALLEY AVENUE

Page 184
m
1 also forward the below to the loss mitigation high
2 risk team. Please see under -- file under Attorney
co
3 Correspondence ASAP.
4
d.
Do you want me to go through the whole
5 thing?
au
6 Q Well, go ahead and read the rest of that
7 entry, please.
Fr
8 A This debtor has an attorney and is getting
9 ready to file suit on this matter. As you will see,
re
10 the debtor tried to pay the loan in full and
11
su
apparently was not accepted, check from insurance was
12 but personal check was not. From our understanding on
clo
13 this, there is no house on the property. It burned to
14 the ground on November 2nd, 2006. Please advise.
re
15 Q And with respect to this entry, it indicates

16 that there is a file under the heading Attorney
Fo
17 Correspondence. Where would that file be located?

18 A What do you mean, the file under attorney --
op
19 basically it's the file, the electronic file.

20 Q And is that part of the Process Management
St
21 system?
22 A Yes. What we do is we upload the --
w.
23 whatever documents have been received, we'll upload

24 into Document Management for the client or attorney to
ww
25 be able to review. And it would be labeled underneath
367 VALLEY AVENUE

Page 185
m
1 Attorney Correspondence.
2 Q Now, when you indicate Attorney
co
3 Correspondence, are you referring to --
4
d.
A That's just a --
5 Q -- an attorney for the borrower?
au
6 A Not necessarily. It's just basically just
7 an upload document type that we utilize.
Fr
8 Q Okay. So this is not some file which
9 segregates your communications between your network
re
10 attorneys --
11 A No.
su
12 Q -- and your company?
clo
14 Q This is simply a file where any document
re
15 generated by an attorney, whether it be for the

16 borrower or from your network, is uploaded?
Fo
17 A Yes.
18 Q And under Process Management, is that
op
19 documents that were produced for this -- during this

20 discovery request and for this deposition?
St
21 A Everything in Document Management was

22 produced.
w.
23 Q So that would include --

24 A It would include this.
ww
25 Q -- everything in that category?
367 VALLEY AVENUE

Page 186
m
1 A Yes.
2 Q Is there any other method of communicating
co
3 between a network attorney and your company that has
4
d.
not been talked about as we sit here today so far?
5 A No.
au
6 Q With respect to Entry 114, it indicates it
7 was written by an employee of Option One Mortgage
Fr
8 Company named Eldon Smith?
9 A That's correct.
re
10 Q Do you -- have you ever had any interaction
11 with Mr. Smith?
su
12 A Have I personally, no.
clo
13 Q Do you know what his employment position is
14 with Option One?
re
15 A No, I do not.
16 Q At Entry 73, there's an entry by an Ann
Fo
17 Russo with Option One which indicates foreclosure was

18 restarted by Eldon Smith as an active foreclosure.
op
19 That would've simply been their instructions through

20 your system to continue on with the foreclosure sale?
St
21 A Yeah, just basically restart the foreclosure

22 process.
w.
23 Q Does that involve a new publication?

24 A I believe so.
ww
25 Q That entry was made at about 1:55 p.m.,
367 VALLEY AVENUE

Page 187
m
1 looks like, on August the 20th of 2007.
2 There is an entry at No. 67 by a Mary
co
3 McNamee, who appears to be a Fidelity employee, or an
4
d.
LPS employee; is that right?
5 A Uh-huh.
au
6 Q With a comment about the reason for the
7 restart with the foreclosure. Apparently, she's
Fr
8 seeking that information from Option One; is that
9 correct?
re
10 A Yes.
11 Q
su
Is there anywhere in your notes that ever
12 indicates or questions Option One as to the
clo
13 application of these funds that it's holding regarding
14 this foreclosure?
re
15 A We don't -- we don't -- we didn't question

16 the client.
Fo
17 Q So whatever they tell you to do, you're

18 going to do, right?
op
20 THE VIDEOGRAPHER: Excuse me. Need to
St
21 change tape.
w.

ww
367 VALLEY AVENUE

Page 188
m
1 beginning Videotape No. 5.
2 BY MR. WOOTEN:
co
3 Q Okay. Moving on through this process with
4
d.
your notes there, Mr. Newland. Ying Hang is an
5 employee of yours?
au
6 A Which line are you looking at?
7 Q It's at 54.
Fr
8 A Yes, she is.
9 Q She is?
re
10 A Yes, she's an employee of Fidelity -- or LPS
11
su
Default Solutions, sorry.
12 Q Is she based in Mendota Heights?
clo
13 A Actually, she is based in Mendota Heights.
14 Q Is she a member of what is commonly called a
re
15 document execution team?

16 A No, she's not.
Fo
17 Q What is her position in your company?

18 A I believe she's within our referrals
op
19 department.
20 Q What is a process FC, dash, RQA?
St
21 A I believe that's reviewing of the

22 assignments.
w.
23 Q That doesn't mean request for assignment,

24 does it?
ww
25 A It could be. I don't know off the top -- it
367 VALLEY AVENUE

Page 189
m
1 could be review or request for assignment. I don't
2 know off the top of my head.
co
3 Q Every one of these little processes that are
4
d.
entered in here, have these little codes by them, like
5 the one right below that says process FC, underscore,
au
6 AL, underscore, other, underscore, other, every one of
7 those processes have some written explanation of what
Fr
8 they mean somewhere on your system, don't they?
9 A Yes, they do.
re
10 Q And that is something that you can pull up
11
su
and print off relatively simply if you have access to
12 the system, isn't it?
clo
13 A You can pull it up and be able to view it,
14 yes. I don't know about pulling it and -- I'm sure we
re
15 probably --
16 Q Is it fair to say that there is somewhere a
Fo
17 library which details the meaning --

18 A Yes, there is.
op
19 Q -- of each of those processes?

20 A Yes, there is.
St
21 Q And those are codes for actions on a file,

22 right?
w.
23 A It -- basically, they're the event

24 processes. So, in other words, the
ww
25 FC_Alabama_Other_Other process is basically the core
367 VALLEY AVENUE

Page 190
m
1 foreclosure process.
2 Q Right. I assumed that FC meant foreclosure,
co
3 but I wanted to ask.
4
d.
The next entry by this lady, which is 53,
5 indicates there's an update, and it says that there is
au
6 an initial review of assignment complete, it completed
7 on 8/21 of 2007; is that correct?
Fr
8 A Yes.
9 Q If there were a document associated with
re
10 that review, it would show up in this system somewhere
11
su
at that time, would it not?
clo
13 Q So there should be an entry on 8/21 of 2007
14 regarding that; is that fair?
re
15 A There should be.

16 Q Y'all brought in from lunch this imaging
Fo
17 information with respect to all the images that are

18 stored on your system; is that correct?
op
19 A Yes.
St
21 identification.)
22 Q I'm going to mark that as Plaintiffs'
w.
23 Exhibit 25, ask you to take a look at it.

24 Does it indicate anywhere on there that
ww
25 there's some assignment in the system?
367 VALLEY AVENUE

Page 191
m
1 A I don't see it on here.
2 Q That's a pretty important document, isn't
co
3 it, Mr. Newland?
4
d.
A Sure, it is.
5 Q Is that not the type of document that would
au
6 ordinarily be within your image records in this type
7 of process?
Fr
8 A It could be, yes. Could've also been sent
9 to the attorney directly. Without looking at it, I
re
10 don't know.
11 Q
su
If it were sent to the attorney directly,
12 would it not also have passed through New Image or
clo
13 image processing?
14 A It should be uploaded, yes.
re
15 Q Because, again, we talked about this

16 earlier, but the agreement is, is that your company
Fo
17 monitor and make this work flow happen, and Option One
18 hires you to do that, and then you deal with the
op
19 attorneys. And so you serve as the intermediary for

20 the information and documents that are passing
St
21 through; is that safe and fair to say?

22 A Yes.
w.
23 Q So if -- you agree with me if the assignment

24 is not for the correct entity or is not correct, it
ww
25 would be impossible to foreclose with a bad
367 VALLEY AVENUE

Page 192
m
1 assignment, wouldn't it?
2 MR. CASH: Objection. Calls for a legal
co
3 conclusion. If you know, you can answer.
4
d.
A That would be up to the attorney to make
5 that determination.
au
6 Q Sure. Part of -- your business, you would
7 not want to be sending out the door assignments that
Fr
8 were not correct or accurate, right?
9 A Run that by me again.
re
10 Q As part of your business in the value that
11
su
you provide to these two other defendants in this
12 case, you would not want to be reviewing assignments
clo
13 and those assignments be in error, right?
re
15 Q So normally, you would've preserved that

16 type of document in some manner, so that you could
Fo
17 have reviewed it, so that when you made an entry such

18 as No. 49 where you said that the review was complete,
op
19 you would have had some information there to show what

20 your employee reviewed, right?
St
22 Q There is a second package of documents sent
w.
23 to Mr. Humphrey's office on 8/21/07 at 11:52 a.m. at

24 Entry No. 44; is that correct?
ww
367 VALLEY AVENUE

Page 193
m
1 Q And that is about five minutes after the QA
2 review of the assignment was completed, correct?
co
3 A Yes, it is.
4
d.
Q Have you provided to myself or my co-counsel
5 the documents contained in this NewTrak image ID No.
au
6 4137583?
7 A Yes.
Fr
8 Q And have you provided by a separate
9 production the documents included in New Image ID
re
10 No. 3550946?
11 A Yes.
su
12 Q Let me see that 25.
clo
13 A It would be the June 1st entry and also the
14 August 21st entry.
re
15 Q I noticed -- oh, sorry, let me back up just

16 a second. Does the ID number in the left column of
Fo
17 Plaintiffs' Exhibit 25 bear any correlation to the

18 NewTrak image ID numbers which are indicated in these
op
19 notes?
20 A I don't know.
St
21 Q I see that there is a June 1st, 2007, entry

22 involving 17 pages at 8:38 a.m. And it is 1,335,168
w.
23 bytes in size, it involves 17 pages. And your process

24 notes indicate that ID No. 3550946 was uploaded at
ww
25 9:17, or approximately 40 minutes later, for
367 VALLEY AVENUE

Page 194
m
1 Mr. Humphrey. Does it appear to you that that entry
2 on Plaintiffs' Exhibit 25 would correlate to the entry
co
3 in No. 156 of your Process Management notes?
4
d.
A It would seem so.
5 Q Okay. On 8/21 of '07, there is an entry --
au
6 or actually two entries, one at 8:45 a.m. and one at
7 8:48 a.m., each bearing a different ID number. The
Fr
8 first, August 20 -- or September 21st entry at 8:45
9 a.m. indicates that there are 1,453,112 bytes in 18
re
10 pages.
11
su
(Brief interruption.)
12 MR. WOOTEN: There's my alarm for my call.
clo
13 Okay. I need to go take a break and get this
14 call handled.
re
15 MR. CASH: Okay.

Fo

op
19 BY MR. WOOTEN:
20 Q I'm sorry, we were talking about these
St
21 entries on August 21st of 2007, the first one,

22 1,453,112 bytes and 18 pages, and numbered in your
w.
23 imaging documents as 71874430. It says that it is a

24 screen print, dash, FC. Assuming again that FC stands
ww
25 for foreclosure?
367 VALLEY AVENUE

Page 195
m
1 A That's correct.
2 Q And then there is a second entry immediately
co
3 following, and its ID number is 71874554, and it also
4
d.
says screen prints, dash, FC, is slightly larger at
5 1,468,858 bytes and 18 pages also and three minutes
au
6 later.
7 There is no entry that I have been able to
Fr
8 locate in your process notes indicating an assignment
9 was uploaded or identified separately. Have you found
re
10 any in your review of it?
11 A No.
su
12 Q It appears that the only difference between
clo
13 the June 1st, 2007 entry and the two entries on August
14 21st is one page; is that correct?
re
15 A That's what it seems to be.

16 Q And with respect to that, is it your belief
Fo
17 that the entry numbered 44, which is at 11:52 a.m.,

18 whatever time this is on this system, where you have
op
19 NewTrak image ID No. 4137583, represents the -- one of

20 the two entries that we identified on Plaintiffs'
St
21 Exhibit 25. Is that correct?

w.
23 Q And then at Entry 37, on August the 22nd of

24 2007, there is an intercom message from Ann Russo to
ww
25 Karen Singleton on your system, indicating that Scott
367 VALLEY AVENUE

Page 196
m
1 Humphrey's office should deduct the $138,482 in
2 insurance proceeds from a total payoff of 149,045.72,
co
3 leaving a referral balance of $10,563.72. Is that the
4
d.
first indication that your company received of what to
5 do with the funds which were being held in the
au
6 restricted escrow account?
7 A We did not receive that. That was a
Fr
8 communication between Ann Russo of Option One and
9 Karen Singleton of Scott Humphrey's office. Did not
re
10 go through an LPS associate.
11 Q
su
It does not pass through your system at all?
12 A It passes through the system, but it does
clo
13 not pass to any of my associates.
14 Q Okay. We've sat here and reviewed these
re
15 notes together. Have there been any other entry that

16 you've seen in preparing to testify today that
Fo
17 indicated prior to August the 22nd of 2007 what should

18 be done with the funds in the restricted escrow
op
19 account?
20 A Not prior to that time.
St
21 Q Once that message passed from Option One to

22 Karen Singleton, that information would've been
w.
23 available to every user in your company with respect

24 to that, correct?
ww
25 A They would've been able to view it, yes.
367 VALLEY AVENUE

Page 197
m
1 Q With respect to the bidding instructions
2 indicated in Entry No. 25, which is an automated
co
3 process, that's NewTrak image ID 4368311, does that
4
d.
appear to correlate with either one of the two entries
5 made by Ann Russo, which is in the imaging section, or
au
6 Plaintiffs' Exhibit 25, on that same date at either
7 10:54 a.m. or 2:10 p.m.?
Fr
9 Q And since --
re
10 A Should say bidding instructions on it also.
11 Q It does.
su
12 A Okay.
clo
13 Q And since it also was at 10:54 a.m., does it
14 appear to correlate to Entry No. 25, which appears to
re
15 have been entered in your system of 10:55? So the

16 first entry of bidding instructions on that date, your
Fo
17 document ID No. 73300397, does it appear to correlate

18 to Entry No. 25?
op
19 A Yes.
20 Q And would Entry No. 24 be apparently the
St
21 second entry in your document imaging system at

22 2:10 p.m., No. 73316049, also called bidding
w.
23 instructions, where Mr. Humphrey's office picked up

24 those instructions?
ww
25 A I don't think that correlates with what's in
367 VALLEY AVENUE

Page 198
m
1 the Document Management system. It's just basically
2 Line 24 basically correlates with Scott Humphrey
co
3 receiving the bidding instructions.
4
d.
Q Okay. So there is a second set of bidding
5 instructions that go in at Entry 15 at 2:10, which
au
6 appear to correlate to this entry we previously
7 mentioned --
Fr
8 A Yes.
9 Q -- 73316049?
re
10 MR. CASH: Nick, I have 1:25 (sic).
11 MR. WOOTEN:
su Yeah. Let me make this call.
12 Let's go off the record.
clo
14 (Brief recess.)
re

16 BY MR. WOOTEN:
Fo
17 Q Let's see --
op
19 MR. WOOTEN: Oh, we're off the record.

20 THE VIDEOGRAPHER: Off the record at 3:03.
St

w.

24 identification.)
ww
25 BY MR. WOOTEN:
367 VALLEY AVENUE

Page 199
m
1 Q Okay. I apologize, Mr. Newland. I don't
2 want to take any more of anybody's time than
co
3 necessary. I'm going to try to move through some of
4
d.
these documents that I need to identify pretty
5 quickly, just ask you if you can recognize them. This
au
6 is a document I've marked previously as Plaintiffs'
7 Exhibit 6. I'll represent to you that it is a
Fr
8 document received during discovery from your lawyers.
9 Ask you if you recognize that document?
re
10 A Yes, I do.
11 Q
su
And is that a -- does it appear to be a copy
12 of the promissory note executed by my clients?
clo
13 A Yes.
14 Q Okay. Are there any attachments to the
re
15 actual promissory note in the case?

16 A There is an addendum.
Fo
17 Q Okay. And what does the addendum entail,

18 please, sir?
op
19 A For interest only payment period.

20 Q So that's an interest only rider --
St
21 A Yes.
22 Q -- to a promissory note. Are there any
w.
23 other documents attached to that promissory note?

24 A The allonge.
ww
25 Q Okay. And what is an allonge, please, sir?
367 VALLEY AVENUE

Page 200
m
1 A It's an assignment of the note.
2 Q And what allonges appear to be present on
co
3 that note?
4
d.
A From H&R Block Mortgage to Option One
5 Mortgage.
au
6 Q And is that the only allonge that's present?
7 A There's another allonge that's attached here
Fr
8 in the back.
9 Q Okay. Would those documents that you
re
10 produced with respect to the mortgage note be exactly
11
su
as you received them from your client, Option One?
12 A Yes.
clo
13 Q Does it appear to you from reviewing those
14 documents that the allonges to that promissory note
re
15 are, while with the note, not attached to the note?

16 A Not attached to the note?
Fo
17 Q Not physically connected to the promissory

18 note itself?
op
19 A No.
20 Q Appear to be separate pages, right?
St
22 Q Are those allonges dated in any way?
w.
23 A The note doesn't look to be dated.

24 Q And that would have been the documents which
ww
25 you would've transmitted to Scott Humphrey for the
367 VALLEY AVENUE

Page 201
m
1 purpose of conducting a foreclosure on behalf of
2 Option One, correct?
co
3 A That's correct.
4
d.
Q That would have been some of the documents
5 which would have been prepared or which would've been
au
6 retrieved through the automated processes of your
7 software, your Process Management software, right?
Fr
8 A It would've been retrieved based off of the
9 push from Option One on the documents.
re
10 Q So your software would've made the request
11
su
and they would've responded with their original
12 documents --
clo
13 A That's right.
14 Q -- or scans --
re
15 A They would push the documents to us.

16 Q Sure.
Fo
17 A To our imaging system.

op
19 THE WITNESS: To our imaging system.

20 BY MR. WOOTEN:
St
21 Q So those documents would've -- would be part

22 of what was identified, we would be able to look back
w.
23 to your imaging system at the date in the documents

24 and pick that information out, right?
ww
25 A Yes.
367 VALLEY AVENUE

Page 202
m
1 Q It looks like those documents would've been
2 pushed by Arvind Kumar on 6/4/07, at Entry 150 is
co
3 where they were explained.
4
d.
You have a corresponding entry numbered
5 67471979 that says it is the note and says that it
au
6 consists of eight pages on 6/5/07 at 5:42 a.m., and it
7 says it was uploaded by an automated process. Does
Fr
8 that sound right?
9 A Sounds correct.
re
10 Q Are there eight pages in that document?
11 A
su
Yes, there's eight pages.
clo
13 identification.)
14 Q Okay. With respect to Plaintiffs'
re
15 Exhibit 7, I'll hand it to you and represent to you

16 it's a copy of a recorded mortgage which was produced
Fo
17 by your attorneys during discovery. Ask you if you

18 recognize that document as such?
op
19 A Yes.
20 Q I see two entries with respect to a security
St
21 instrument numbered sequentially in your imaging

22 software, one is 67471976, it says it is 11 pages, and
w.
23 one is numbered 67471977, and it indicates it is 12

24 pages. Is that document 12 pages or 11 pages?
ww
25 A I'd say it's 12. It's 12 pages.
367 VALLEY AVENUE

Page 203
m
1 Q All right. 12 pages in that situation,
2 there is a cover page which is proof of recording from
co
3 the local recording official --
4
d.
A Yes.
5 Q -- is that correct?
au
6 A That's correct.
7 Q 11 pages actually make up the security
Fr
8 instrument?
9 A Yes.
re
10 Q Does that document have any assignments of
11
su
mortgage attached to it?
12 A No, I did not see any assignments attached
clo
13 to it.
14 Q Are you familiar with The Summit?
re
15 A Uh-huh.
Fo
17 identification.)
18 Q I show you -- I'm sorry, Madam Court
op
19 Reporter, I knocked your microphone over again -- a

20 document I marked as Plaintiffs' Exhibit 8. Can you
St
21 please explain what that document is?

22 A Sure. It was a newsletter that went out
w.
23 from, at the time, Fidelity National Foreclosure &

24 Bankruptcy Solutions.
ww
25 Q Pre name change to LPS?
367 VALLEY AVENUE

Page 204
m
1 A Yes.
2 Q Is The Summit still published?
co
3 A No, it's not.
4
d.
Q Do you publish a newsletter of a similar
5 name or type for the industry?
au
6 A No. LPS Default Solutions does not.
7 Q Okay. Is there a company that does that's
Fr
8 part of the Fidelity or the LPS, Inc., umbrella?
re
10 Q That document has a short summary of the
11
su
modules or platforms within LPS Default Solutions'
12 protocols; is that right?
clo
13 A Yes.
14 Q Highlighted with a pink highlighter?
re
15 A Uh-huh.
16 Q Does that accurately state in the capacities
Fo
17 of those platforms and programs with respect to what

18 they are capable of doing?
op
19 A Yes, that's correct.

20 Q Is there anything incorrect in that article?
St
21 A In your highlighted portions?

22 Q In that -- I've only highlighted portions of
w.
23 that, but that's like just a little half page segment

24 there about your platform. In that entire caption
ww
25 there discussing basically your document solution,
367 VALLEY AVENUE

Page 205
m
1 your process management and your imaging solution and
2 invoicing, is there anything in that article that is
co
3 incorrect?
4
d.
A It's pretty concise.
5 Q I understand that it's the three points and
au
6 a poem version of what you do --
7 A Yes.
Fr
8 Q -- and that that's sort of a glam thing for
9 your industry partners, but I'm just saying, there's
re
10 nothing inaccurate, is there?
11 A
su
Not that I see.
12 Q Okay. That was really all I needed out of
clo
13 that document, please, sir. And we talked about 9.
14 Did you review your answers to your
re
15 interrogatories and requests for production prior to

16 coming to the deposition today?
Fo
17 A Yes, I did.
op
19 identification.)
20 MR. WOOTEN: Do you have that copy of that?
St
21 Okay. Let him take a look at it.

22 BY MR. WOOTEN:
w.
23 Q At any time in this foreclosure process, was

24 Scott Humphrey ever representing LPS?
ww
25 A No, he was not.
367 VALLEY AVENUE

Page 206
m
1 Q In fact, he was a vendor to LPS as part of
2 the attorney network?
co
3 A Yes.
4
d.
Q So he agreed to provide services to clients
5 who were referred to him for a flat fee?
au
6 A That's correct.
7 Q And the agreement to provide those services
Fr
8 at that fee was between LPS and Scott Humphrey?
9 A That's correct.
re
10 Q There is no independent contract for
11
su
employment between Scott Humphrey and Option One, is
12 there?
clo
13 A No, there's not.
14 Q I asked a question regarding -- in my
re
15 interrogatories, regarding any contracts or agreements

16 between you and any other defendant in this case which
Fo
17 allows you to pursue collection and/or foreclosure

18 efforts on the plaintiffs' mortgage. That question
op
19 was objected to, and I'm assuming based on the nature

20 of some of the objections today, that it was objected
St
21 to because of the clause which said -- or the phrase

22 which said "which allows you to pursue collection
w.
23 and/or foreclosure efforts on the plaintiffs'

24 mortgage," right?
ww
25 A Yes.
367 VALLEY AVENUE

Page 207
m
1 MR. CASH: Well, let me object to him
2 answering as to why it was objected to.
co
3 Obviously, the objections were legal decisions
4
d.
made by the lawyers, not by the witness.
5 MR. WOOTEN: Well, I'm just -- in reading
au
6 from the answer, it says that you don't have a
7 contractual agreement with any of the other
Fr
8 defendants which authorizes LPS Default to pursue
9 collection and/or foreclosure proceedings of the
re
10 plaintiffs' mortgage, so I -- I mean, is that the
11
su
basis of the objection, was that phrase?
12 MR. CASH: Yeah.
clo
13 MR. WOOTEN: Okay. So, with respect to the
14 actual contract, we've agreed that we've got to
re
15 figure out how to get that document into play,

16 whether it's protective order or whatever, right?
Fo
17 MR. CASH: Yes.

18 MR. WOOTEN: Or partial redaction, whatever
op
19 we need to do.
20 BY MR. WOOTEN:
St
21 Q The invoicing system that you guys operate,

22 imaging or the -- what do you call it, the invoicing
w.
23 system?
24 A Invoice Management.
ww
25 Q Does that system also record images of the
367 VALLEY AVENUE

Page 208
m
1 bills which are submitted as well as the payment
2 advices which are made? In other words, does it not
co
3 only copy the bill, but does it copy the check?
4
d.
A I don't know.
5 Q Does that system indicate within that
au
6 portion of your system when the invoices submitted
7 were paid and by whom?
Fr
8 A I'm not -- I'm not an expert on Invoice
9 Management. I don't know.
re
10 Q But you indicated earlier that you have a
11
su
manager who deals with that portion of the business,
12 right?
clo
13 A I have -- not a manager that deals with that
14 portion of the business, but we do have individuals
re
15 within Invoice Management that probably could answer

16 your questions.
Fo
17 Q Is there like a team leader, supervisor,

18 vice president in charge of that?
op
19 A Yes, there is, but I don't know who that is

20 off the top of my head.
St
21 Q And that person is not a part of your normal

22 management team --
w.
23 A No, it's --
24 Q -- that you meet with regularly?
ww
25 A No, they are not.
367 VALLEY AVENUE

Page 209
m
1 Q Is there any portion of either Process
2 Management, Document Management, or Invoice Management
co
3 which would contain evidence of payments from your
4
d.
partner or your network attorney back to LPS Default
5 Solutions?
au
6 A No.
7 Q When a foreclosure sale is conducted by a
Fr
8 network attorney, if a third-party buyer purchases at
9 the sale the particular parcel being foreclosed upon
re
10 and your network attorney receives those proceeds, do
11
su
they distribute those proceeds directly to the
12 servicer or do they distribute those proceeds to LPS
clo
13 Default Solutions?
14 A Directly to the servicer.
re
15 Q Does LPS Default Solutions maintain records

16 with respect to how many sales are -- result in third
Fo
17 party sales and how many sales result in investor or

18 servicer repurchases or purchases?
op
19 A Yes, we do.
20 Q Do you know that -- what that percentage is
St
21 off the top of your head of loans which are

22 repurchased by either the investor or the servicer?
w.
23 A Not off the top of my head I do not.

24 Q Is that a normal reporting function --
ww
25 A Yes, it is.
367 VALLEY AVENUE

Page 210
m
1 Q -- that you have? Is there a name for it?
2 A The name for the --
co
3 Q The report.
4
d.
A Yeah, third-party sale report.
5 MR. WOOTEN: And, Mike, what I'm interested
au
6 in there, is not to have a bunch of information
7 about all their data, I'm really looking for the
Fr
8 percentage of sales that are conducted that
9 result in a third-party purchase versus a
re
10 repurchase by the investor or the servicer. If
11
su
you can get that for me. If I need to make a
12 separate request or whatever, I will.
clo
13 MR. CASH: I'm probably going to have you
14 make a request, because I'm probably going to
re
15 object to it. It's not relevant to any issue in

16 this case. But I don't want to fuss with you
Fo
17 about it right now.

18 But while we're talking to each other on the
op
19 record, just want the record to be clear that

20 after the break, we did produce the P -- 309?
St
21 The P309 screen for this case and the --

22 MR. WOOTEN: I'm going to go back and --
w.
23 MR. CASH: -- Invoice Management documents.

24 MR. WOOTEN: I'm going to go back through
ww
25 those documents and identify them.
367 VALLEY AVENUE

Page 211
m
1 MR. CASH: Okay.
2 MR. WOOTEN: And we'll talk about that,
co
3 so...
4
d.
MR. CASH: Okay.
5 MR. WOOTEN: Yeah. I mean, I didn't see a
au
6 P309, but I was in a hurry, so we'll look back at
7 that.
Fr
8 BY MR. WOOTEN:
9 Q In your responses to interrogatories with
re
10 respect to Item No. 3, there's a list of LPS employees
11
su
who were involved in inputting information or
12 interacting with this loan account. Is it your
clo
13 testimony that that is an exhaustive list of LPS
14 employees who were involved with this loan?
re
15 A Yes.
Fo
17 MR. WOOTEN: I'm sorry, I'm just in space.

18 I thought I was having a muscle twitch. I didn't
op
19 even realize you were touching me. It's been a

20 long night, so... I didn't mean to just be
St
21 dozing off over here. That's what two hours of

22 sleep will get you.
w.
23 BY MR. WOOTEN:
24 Q Other than the loan file number which you
ww
25 identified in your response to No. 4, there is no
367 VALLEY AVENUE

Page 212
m
1 other identification mechanism within LPS's system for
2 this particular loan account, is there?
co
3 A That's correct.
4
d.
Q And that is information provided to you by
5 Option One?
au
6 A That's correct.
7 Q With respect to the administrative services
Fr
8 fees on your answer to the interrogatory, I believe
9 it's No. 5, it indicates that there were invoices
re
10 generated by Fidelity for technology and/or
11
su
administrative services. We talked a little bit
12 earlier about the fee structure with respect to LPS.
clo
13 You indicated that all the fees came from the attorney
14 network; is that right?
re
16 Q Does LPS delineate between administrative
Fo
17 services fees and technology fees?

18 A Yes, they do.
op
19 Q Okay. What exactly is a technology fee?

20 A Utilization of our technology.
St
21 Q Okay. And can you tell me how that fee is

22 determined?
w.
23 A No, I cannot.
24 Q Is that one of those proprietary items or
ww
25 you just don't know?
367 VALLEY AVENUE

Page 213
m
1 A I do not know.
2 MR. CASH: It would be a proprietary item,
co
3 but I was pretty sure he didn't know, so I
4
d.
figured I'd save an objection. I figure I've
5 used a bunch already.
au
6 MR. WOOTEN: Sure. With respect to that,
7 Mike, that's going to obviously become an issue,
Fr
8 at least -- again, I'm not interested in exposing
9 how you structure your fees. What I am
re
10 interested in doing is identifying what fees were
11
su
charged, how they were paid and what their life
12 cycle was. So, again, I don't -- I don't care
clo
13 what you're charging, I just need to know how it
14 got -- what happened to it, where it went, that
re
15 sort of thing.
16 MR. CASH: How it got paid -- that it didn't
Fo
17 get passed on to the borrower, I understand.

18 MR. WOOTEN: Right. So --
op
19 MS. NEWMAN: It's a different company.

20 MR. CASH: Okay. The other thing is, the
St
21 technology fee isn't charged by this defendant,

22 it's a different company.
w.
23 MR. WOOTEN: Okay. So technology apparently

24 will be charged by MSP or another -- it's
ww
25 entirely different?
367 VALLEY AVENUE

Page 214
m
1 MR. CASH: A different entity.
2 MR. WOOTEN: Okay. Well, just so we can
co
3 clear this up, because that's what I'm trying to
4
d.
do today, is eliminate as many issues as
5 possible. Will we be able to get the information
au
6 about what constitutes the technology fee or at
7 least what the dollar amount is, that sort of
Fr
8 thing, so we can determine, try to follow the
9 trail, or will we be able to get the identity of
re
10 the entity who's charging that fee so we can
11
su
subpoena that information?
12 MR. CASH: Yeah, you can get the identity of
clo
13 the company.
14 MR. WOOTEN: Sure. And I'm assuming it is
re
15 another Fidelity entity, right?

16 MR. CASH: I believe so, yeah. And so if
Fo
17 you'll write me a letter, I'll write you a letter

18 back. And then if you want to subpoena it,
op
19 we'll -- to the extent we think it's irrelevant,

20 we may move to quash the subpoena but, you know,
St
21 we'll do it, take all the steps.

w.
23 MR. CASH: But, yeah, I mean, I think we can

24 do that part.
ww
25 MR. WOOTEN: Can do the dance. I
367 VALLEY AVENUE

Page 215
m
1 understand.
2 BY MR. WOOTEN:
co
3 Q As you sit here today, Mr. Newland, being
4
d.
the person that runs LPS, do you know what the
5 schedule is for the total attorney's fees for a
au
6 foreclosure in the state of Alabama?
7 A In -- can you clarify the question?
Fr
8 Q Sure. Do you know what your network
9 attorneys in Alabama agree to charge as the total
re
10 amount of attorney's fees that they will charge for
11
su
conducting a foreclosure in the state of Alabama?
12 A We have the information we supplied from the
clo
13 clients as it has been agreed to, yes.
14 Q So that information with respect to this
re
15 loan would come from your Option One agreement?

Fo
17 Q How does a foreclosure get from a servicer

18 to a network attorney? What's the vehicle?
op
19 A The servicer will, in this case, Option One,

20 will provide the approval to begin the foreclosure
St
21 process through their MSP system, which would then

22 trigger the referral in a data tape that comes to us.
w.
23 Then we would process the referral based off of them

24 sending the information to us. And then we would
ww
25 provide the mechanism or the electronic copies of the
367 VALLEY AVENUE

Page 216
m
1 documents to the attorney along with the referral.
2 Q Okay. So is it fair to say that the
co
3 servicer lets you know that a referral and a
4
d.
foreclosure needs to take place and then your
5 processes create the referral package and send it to
au
6 the network attorney?
7 A We don't create the referral package, we
Fr
8 merely send the information that's been provided to us
9 from Option One, in this case, to the attorney along
re
10 with the documents.
11 Q
su
Is it your testimony that your contractual
12 agreement with your servicers, in this case Option
clo
13 One, does not give you the right to set the parameters
14 for foreclosure with respect to the initiation of the
re
15 foreclosure and the time lines within which it must

16 take place?
Fo
18 Q You indicated that a foreclosure deed had
op
19 been prepared, in your interrogatory Response No. 28,

20 but that you did not have a copy of that deed. Is
St
21 that because the deed was not submitted for a record

22 in DeKalb County, Alabama?
w.
24 Q Are your network attorneys required to
ww
25 provide that type of documentation to you as part of
367 VALLEY AVENUE

Page 217
m
1 their contractual obligations?
2 A They are to provide a contract -- or a copy
co
3 of the deed, yes, uploaded.
4
d.
Q With respect to Option One Mortgage
5 Corporation, is it your understanding that American
au
6 Home Servicing purchased their mortgage servicing
7 rights?
Fr
8 A That is my understanding.
9 Q Do you know approximately when that took
re
10 place?
11 A
su
No, I don't know.
12 Q Did you sign a new agreement with American
clo
13 Home Servicing at or about the time that took place?
14 A I do not know.
re
15 Q If your servicer clients instruct you to

16 assess to a mortgage account on a regular basis a fee
Fo
17 or charge, such as a property inspection or a broker

18 price opinion, while a loan is in the foreclosure
op
19 process, do you follow those instructions without any

20 deviation?
St
21 A We don't have the ability to assess those on

22 the mortgage servicing system. That's up to the
w.
23 client.
24 Q So within LPS, your testimony is, is that
ww
25 you do not make any changes to any data nor do you
367 VALLEY AVENUE

Page 218
m
1 provide a batch file of electronic data which provides
2 those types of charges to be updated to client loans?
co
3 A Not those type of charges.
4
d.
Q Do you provide any data in any format to
5 your servicer clients which result in charges being
au
6 added to consumer loans?
7 A No, we do not.
Fr
8 Q Do you provide any data in any format to
9 your servicer clients with respect to the costs or
re
10 expenses incurred by LPS Default Solutions with
11
su
regards to any foreclosure process?
12 A I'm sorry, I'm going to need for you to
clo
13 repeat that, because I could barely hear you when you
14 were talking the other way. I'm sorry.
re
15 Q I'm sorry. Do you or does LPS provide any

16 electronic data to any servicing client or, in this
Fo
17 case, Option One, which provides them information with

18 regards to any expenses or costs incurred in
op
19 association with a foreclosure proceeding?

20 A No, we do not.
St

22 identification.)
w.
23 Q Show you a document that's been marked as

24 Plaintiffs' Exhibit 11, and ask you if you've seen
ww
25 that document before?
367 VALLEY AVENUE

Page 219
m
1 A That's assignment of mortgage.
2 Q All right. And do you know if that document
co
3 is a document which is located on the system either
4
d.
imaging or Process Management with respect to this --
5 A I have not seen it in our imaging system,
au
6 but then, again, it could've been sent directly to the
7 attorney for processing and have bypassed our system.
Fr
8 Q Is it your testimony that that is the first
9 time you've seen that mortgage assignment?
re
10 A Yes, this is the first time I've seen it.
11 Q Thank you.
su
Do you know what Option One's
12 principal place of business is with respect to its
clo
13 mortgage servicing operation?
14 A No, I don't.
re

16 identification.)
Fo
17 Q Show you a document that I marked as

18 Plaintiffs' Exhibit 12. Can you please explain what
op
19 that document is?

20 A Looks like it's an underwriting request from
St
21 First American.
22 Q First American is a company that is not
w.
23 affiliated with your -- with LPS Default Solutions,

24 correct?
ww
367 VALLEY AVENUE

Page 220
m
1 Q In fact, the First American family of
2 companies is a competitor to the Fidelity group of
co
3 companies; is that right?
4
d.
A In some cases, yes.
5 Q And in some cases, they utilize your
au
6 services for certain things, correct?
7 A I don't know if they utilize us or not.
Fr
8 Q Would you take a look at the -- I believe
9 it's the second page of that document, please, sir.
re
10 Does that document indicate that there is a prior
11
su
recorded first position mortgage lien on that
12 property?
clo
13 A Yes, sure does.
14 Q What's the date of that letter please, sir?
re
15 A June 6th of 2007.

Fo
17 identification.)
18 Q Let me show you this document I've marked as
op
19 Plaintiffs' Exhibit 13. Is that also an underwriting

20 request?
St
21 A Yes, it is.
22 Q What is the date of that --
w.
23 A Title search.
24 Q -- of that request?
ww
25 A May 30th, 2007.
367 VALLEY AVENUE

Page 221
m
1 Q May 30th?
2 A As the date hereof: May 30th, 2007.
co
3 Q Does that document also indicate a prior
4
d.
first position mortgage on this property?
5 A It shows SunTrust Mortgage.
au
6 Q Is that the mortgage dated --
7 A July 22nd, 2004.
Fr
8 Q Filed in Book 1235, Page 178?
9 A That's correct.
re
10 Q Does that document indicate that there's any
11
su
problem with the legal description between the
12 mortgage and title report?
clo
13 A Any indication?
14 Q Uh-huh.
re
15 A Not that I see.

16 Q Let me refer you back to this June 6th
Fo
17 letter and point out this area that's highlighted

18 right here.
op
19 THE VIDEOGRAPHER: Excuse me. Can I have a

20 second to change tape.
St
21 MR. WOOTEN: Sure. Let's take a break to

22 change the tape for just a second.
w.

24 (Brief recess.)
ww
367 VALLEY AVENUE

Page 222
m
2 BY MR. WOOTEN:
co
3 Q Okay. Mr. Newland, we were talking about
4
d.
these underwriting letters. Looks like they're marked
5 as, what, 12 and 13? 13 and 14?
au
6 A Yes, 12 and 13.
7 Q 12 and 13. Both of those indicated there
Fr
8 was a previous filed first mortgage in the case; is
9 that right?
re
11 Q
su
And neither of those indicate that that was
12 ever satisfied, do they?
clo
13 A No, not here.
14 Q Okay. And they also indicate that there's a
re
15 defect in the title description in the June 6, 2007

16 letter; is that correct?
Fo
17 A That's correct, by First American.

18 Q Did you ever ascertain if that error in the
op
19 description was ever corrected?

20 A No.
St
21 Q Anything in your notes or your system that

22 indicate that those errors were straightened out?
w.
23 A No.
24 Q Is there anything that indicates how the
ww
25 issue of the prior first mortgage was ever addressed?
367 VALLEY AVENUE

Page 223
m
1 A No, I assume that was addressed through
2 Scott Humphrey.
co
3 Q All right. Would he have normally notified
4
d.
your firm, as a network attorney, if there was an
5 issue of a prior recorded mortgage?
au
6 A Typically, there -- the attorneys will
7 notify us if there's any problems with chain of title.
Fr
8 Q And that's something that a portion of the
9 fees that they charge to a consumer's account is paid
re
10 for in a foreclosure setting, right, is to check the
11 title?
su
12 A That's something that would be probably
clo
13 through the attorney.
14 Q Sure. But I'm saying the attorney would
re
15 normally -- that would be part of their fee, to check

16 the title on what they're about to foreclose on?
Fo
17 A Part of the fee is to review the title.

18 Q Sure. And basically, what they're doing is,
op
19 I guess, you know, trying to make sure that there's no

20 prior existing liens and that there's nothing
St
21 intervening that would affect their ability to

22 foreclose, right?
w.
24 Q And they would also verify the legal
ww
25 description, right?
367 VALLEY AVENUE

Page 224
m
1 A They should.
2 Q And nothing in the system indicates that
co
3 that took place with respect to this case at this
4
d.
point, does it?
5 A No, it's not identified to us.
au
7 identification.)
Fr
8 Q Sure. Let me just have those two.With
9 respect to Exhibit 14, this is a portion of an
re
10 evidentiary submission from another case in another
11
su
part of the world having to do with the contract for
12 services between, I believe it was, Fidelity National
clo
13 Foreclosure Services and Saxon Mortgage. Let me just
14 ask you, and then --
re
15 MR. CASH: You're not going to make me

16 object to testimony from other cases involving
Fo
17 other servicers.
18 MR. WOOTEN: Oh, no, it's documents. It's
op
19 documents. I mean, I'm just -- I'm just trying

20 to establish more or less what the document's
St
21 like. I mean, I know you probably want to put

22 your objection on the record --
w.
23 MR. CASH: Probably not going to have him

24 testify about any other documents from any
ww
25 other --
367 VALLEY AVENUE

Page 225
m
1 MR. WOOTEN: No, I just want to ask him if
2 he has seen documents that look like this before,
co
3 reviewed them, familiar with them, that sort of
4
d.
thing. Just general identification. And, Mike,
5 if you want to look at that with him, I mean,
au
6 I'll represent to you that I think that came out
7 of Judge Baum's court over in your neck of the
Fr
8 woods in Texas. So you probably have seen it.
9 And that's front and back copied, to save some
re
10 trees.
11 MR. CASH:
su
I'm going to object to these
12 documents and any testimony from these documents,
clo
13 as they're from some cause number or case number
14 08-0314, apparently from the Southern District of
re
15 Texas, which -- apparently involving some other

16 servicer which has nothing to do with this case
Fo
17 or any issue in this case.

18 BY MR. WOOTEN:
op
19 Q Well, and I hear you and want you to put

20 your objection on the record and make it. And I'll
St
21 just represent that the purpose of bringing those

22 documents to the deposition today, Mr. Newland, is it
w.
23 appears to contain at least a portion of the contract

24 with the Saxon Mortgage Company, which is a mortgage
ww
25 servicer, right?
367 VALLEY AVENUE

Page 226
m
2 Q And everybody knows they're a national
co
3 mortgage servicer that's familiar with this industry,
4
d.
right?
5 A That's correct.
au
6 Q And it looks like that that's at least a
7 portion of the contract which indicates, at least to
Fr
8 some extent, a fee schedule that's set forth from that
9 contract with Saxon Mortgage and your company. Does
re
10 that appear to be right?
11 MR. CASH:
su
Go ahead, if you know.
12 BY MR. WOOTEN:
clo
13 Q And take a minute and look at it. I'm not
14 rushing you in any shape, form, or fashion. I know
re
15 that you didn't make that production to me, so --

16 A No, I mean, you know, I'm not -- I was not
Fo
17 privy to these documents, so, I don't know.

18 Q Is there a division --
op
19 MR. CASH: Hold on. I'm going to object to

20 these documents in their entirety. These come
St
21 out of the Harris bankruptcy case. For the

22 record, the referral to the bankruptcy court was
w.
23 withdrawn by United States District Judge Lynn

24 Hughes. And Judge Lynn Hughes imposed a
ww
25 protective order on all of the documents in that
367 VALLEY AVENUE

Page 227
m
1 case, which would include the contracts in that
2 case. And the protective order was very specific
co
3 that all copies of these documents were to be --
4
d.
were to be destroyed and that these documents
5 were not to be used by any person for any purpose
au
6 outside the Harris case, subject to sanctions in
7 the United States District Court for the Southern
Fr
8 District of Texas. These are from the Harris
9 case, because I see the Harris cause number on
re
10 here, and we are --
11 MR. WOOTEN:
su Sure, and I'll represent that
12 they are, but I'll tell you --
clo
13 MR. CASH: We are objecting to these and may
14 want to have a separate evidentiary hearing as to
re
15 the source of these documents, who gave them to

16 plaintiffs' counsel, where they came from, and
Fo
17 may have to have further proceedings before Judge

18 Hughes in the Southern District, subject to Judge
op
19 Hughes's protective order.

St
21 MR. CASH: And we're going to give no

22 testimony on these documents. And I'm
w.
23 instructing you not to even talk about these,

24 because these aren't even supposed to be here.
ww
25 MR. WOOTEN: Okay. And I'll represent to
367 VALLEY AVENUE

Page 228
m
1 you, Mike, those came off of the ECF system
2 through use of Pacer, so --
co
3 MR. CASH: All I'm saying is, maybe -- I
4
d.
don't know if the bankruptcy clerk didn't take
5 them down, but there is a protective order --
au
6 MR. WOOTEN: Sure.
7 MR. CASH: -- which I will forward to you.
Fr
8 MR. WOOTEN: And I'd be glad to take a look
9 at it, I hadn't seen it. So I pulled them off
re
10 the system through Pacer. I had no idea they're
11
su
subject to a protective order. So --
12 MR. CASH: I'll send it to you. And I'm not
clo
13 fussing at you --
14 MR. WOOTEN: Right.
re
15 MR. CASH: -- I'm not saying -- and for the

16 record, I am not in any way implying that
Fo
17 Mr. Wooten did anything wrong or even had

18 knowledge of the protective order. And if the
op
19 record seemed to imply that, that was not the

20 implication and there was certainly no accusation
St
21 directed at Mr. Wooten whatsoever.

22 MR. WOOTEN: Sure. And, again, I pulled
w.
23 these documents from Pacer and been aware of this

24 litigation, more or less knew of it since it
ww
25 started, so, I mean...
367 VALLEY AVENUE

Page 229
m
1 MR. CASH: Sure.
2 MR. WOOTEN: All I knew is that it was
co
3 ongoing. But I pulled these documents a long
4
d.
time ago.
5 But anyway, let's just set those to the
au
6 side, and if they're subject to protective order,
7 I'll shred them and we'll be done with it. It's
Fr
8 no big deal with respect to that.
re
10 identification.)
11 BY MR. WOOTEN:
su
12 Q Exhibit 15 is an announcement with respect
clo
13 to Fidelity -- hold on a minute. Fidelity National
14 Financial is a parent company of LPS?
re
15 A No, they're not.

16 Q Separate company. Are you familiar with a
Fo
17 company called DOCX LLC?

18 A Yes, I'm familiar with the company.
op
19 Q Do they serve as a vendor to LPS Default

20 Solutions?
St
21 A No, not a vendor of us, no.

22 Q You do not use them for mortgage lien
w.
23 release issues?
24 A No, I do not.
ww
25 Q Do not use them for assignment services?
367 VALLEY AVENUE

Page 230
m
1 A No, we do not.
2 Q Don't gain information from them from county
co
3 recording office requirements or fees?
4
d.
A No.
5 Q You are aware they were purchased by
au
6 Fidelity National Financial, Inc., right?
7 A No, I was not aware of that.
Fr
8 Q And you're saying that there is no
9 relationship of any type between LPS Default services
re
10 and DOCX?
11 A
su
None that I know of.
12 Q Is there anyone else in your firm who would
clo
13 know if there were any relationship between your
14 entity and this entity?
re

16 MR. WOOTEN: Just a second. I'm not going
Fo
17 to offer 15, I'm going to pull that, because I

18 looked at the wrong company name. So let me set
op
19 that off to the side. Is that in your way?

20 That's fine.
St
21 BY MR. WOOTEN:
22 Q Are you familiar with the missing document
w.
23 process for Document Management?

24 A I'm somewhat familiar with it, yes.
ww
25 Q What is it -- what is its purpose, what does
367 VALLEY AVENUE

Page 231
m
1 it do?
2 A Basically what it does, the attorneys will
co
3 request a document that they might not have received,
4
d.
and we will go out and -- basically what the document
5 process does, it opens up a tracking mechanism for our
au
6 associates, and/or if it's the clients, to try to
7 retrieve those documents and upload them back into
Fr
8 Document Management for the attorney.
9 Q Okay. So is there a separate set of records
re
10 where the attorney would request a missing document?
11 A
su
No, it's all Process Management.
12 Q So in the event that an attorney or servicer
clo
13 requested an affidavit or an assignment or any
14 document like that or a copy of a mortgage or a copy
re
15 of a note, to the extent they made that request, it

16 would show up in Process Management?
Fo
18 Q And, again, we talked about, typically, if
op
19 there is a document that is located, there should be a

20 response in the Process Management notes indicating
St
21 that that document was found and imaged and brought

22 into the system, right?
w.
24 Q Or that it was delivered to the person
ww
25 making the request, right?
367 VALLEY AVENUE

Page 232
m
2 Q Does the Document Management system have a
co
3 word processing function where documents can be
4
d.
altered or amended or changed prior to delivery to the
5 requester?
au
7 Q Do you have any specific training with
Fr
8 respect to that?
9 A As far as Document Management, I have
re
10 basically been trained on the ability to use it, but
11
su
there are no overriding functions that I know of where
12 you can change any document.
clo
13 Q And, again, if there were any way to alter
14 that document, there should be an archival system that
re
15 would create some record that it was changed; is that

16 your testimony?
Fo
17 A I don't know. I don't know if there's

18 anything like that in the system at all.
op

20 identification.)
St
21 Q Let me ask you if you've ever seen that

22 document or the contents of that document before?
w.
23 MR. CASH: Nick, I'm going to let you fish

24 for about 30 more minutes, and if we don't get to
ww
25 the issues in this case, I'm going to shut this
367 VALLEY AVENUE

Page 233
m
1 down and we can talk to the Court about it,
2 because we're just wasting time now.
co
3 MR. WOOTEN: Well --
4
d.
MR. CASH: I'm just telling you.
5 MR. WOOTEN: I'm -- you know, whatever you
au
6 think you need to do, brother, that's fine.
7 MR. CASH: All right.
Fr
8 MR. WOOTEN: We are to the issues in this
9 case.
re
10 MR. CASH: All right. Well, you tell me
11
su
what this document you're having him review has
12 to do with our case at all, especially given that
clo
13 it's a November 1st, 2008, document.
14 MR. WOOTEN: I'm about to show you.
re
15 MR. CASH: All right.

16 THE WITNESS: Yeah, it looks -- it looks
Fo
17 like it was possibly an article that went into

18 The Summit back in, I guess, 2008.
op
19 BY MR. WOOTEN:
20 Q Sure. This foreclosure took place in 2007,
St
21 right?
22 Remember, we talked a little bit earlier
w.
23 about incentive awards for being an APR winner?

24 A Yes.
ww
25 Q And you indicated there are no incentives?
367 VALLEY AVENUE

Page 234
m
1 A That's correct.
2 Q Middle paragraph of that document, what's
co
3 the title of it?
4
d.
A Says APR Incentive Winners.
5 Q Read that to me, please.
au
6 A It says: Each quarter FNFS distributes
7 financial incentive awards top ten performing firms in
Fr
8 foreclosure and bankruptcy in the form of $20 per
9 billable file, with the next ten firms receiving $10
re
10 per billable file. To date, FNFS has distributed over
11
su
$402,000 to the top performing firms in quarterly
12 incentive payouts.
clo
13 Q Does that sound like a financial incentive
14 for being a high APR firm?
re
15 MR. CASH: And, again, I'm going to ask what

16 is the relevance of that to any issue in this
Fo
17 lawsuit? I mean, if you can show that this firm

18 was on that, if you can show that this firm
op
19 somehow was tied to this, fine; otherwise, it is,

20 again, a wide range fishing expedition which has
St
21 nothing to do with this case.

22 BY MR. WOOTEN:
w.
23 Q You said there were no payments for having a

24 high APR, there are no financial incentives?
ww
25 A You asked if presently if we were paying out
367 VALLEY AVENUE

Page 235
m
1 any incentives, and I said no.
2 Q When did that end?
co
3 A Do not know off the top of my head.
4
d.
Q And this article in November of 2008
5 indicates they're still being paid, right?
au
6 A That could've been previously.
7 Q Okay. Well, you don't dispute the date of
Fr
8 the article's November 1st, 2008?
9 A That's what's stated there, I have not seen
re
10 the actual Summit that was produced, no. You do not
11 have a copy of that.
su
12 Q Who did you tell me the vice president was
clo
13 that was in charge of -- you had two of them that were
14 doing your attorney network? One of them -- was Mark
re
15 Cardenas one of them?

Fo
17 Q Why don't you take a look through that, and

18 take a minute and see if you see anything in that
op
19 report that's inaccurate or appears in any way to be

20 incorrect. If you do --
St
21 MR. CASH: No, I'm going to object. We're

22 not going to sit here and opine on that report.
w.
23 MR. WOOTEN: Well, hold on a minute.

24 MR. CASH: Nick, you have -- I'm going to
ww
25 instruct him not to answer. Do you have any more
367 VALLEY AVENUE

Page 236
m
1 questions about the Wood case?
2 MR. WOOTEN: Yeah, I do.
co
3 MR. CASH: All right, then ask them, because
4
d.
those are the only questions we're answering the
5 rest of the day. I will take my chances that
au
6 this Judge will require discovery to be relevant
7 to the case in front of him. I'm willing to take
Fr
8 that risk.
9 MR. WOOTEN: Okay. So we're -- you're
re
10 making your same objection on the same agreement
11
su
we made earlier today?
12 MR. CASH: Yeah. Absolutely. If we have to
clo
13 redo this, we can do it on my nickel down there,
14 but I'm not going to --
re
15 THE WITNESS: That's wrong. That's wrong.

16 MR. CASH: -- to have him sit here and
Fo
17 generally testify.
18 He will answer all the questions you have
op
19 about the Wood case.

St
21 identification.)
22 BY MR. WOOTEN:
w.
23 Q That document marked as Plaintiffs'

24 Exhibit 17, does it appear to be the August 2004
ww
25 mortgage referenced in the earlier letters indicating
367 VALLEY AVENUE

Page 237
m
1 that your client's lien was not in first position?
2 A This looks to be the July 22nd mortgage.
co
3 Q Does it appear to be recorded on August the
4
d.
11th?
5 A Yes.
au
6 Q Is there anything on that mortgage that
7 indicates it's been released?
Fr
8 A I don't see any satisfaction on this
9 mortgage.
re
11 identification.)
su
12 Q Now, I'll show you a document, represent to
clo
13 you that that is a copy of documents produced by
14 Option One to myself and my co-counsel in this case,
re
15 which are the Consolidated Note Logs from the MSP

16 software code.
Fo
17 A Okay.
18 Q Ask you if you've ever seen those documents
op
19 prior to today?
St
21 Q I notice that every entry that says FOR is

22 redacted.
w.
23 A Okay.
24 Q Do you know what FOR stands for in the MSP
ww
25 software?
367 VALLEY AVENUE

Page 238
m
1 A I believe it stands for the foreclosure
2 notes.
co
3 Q Okay. And that would be the part of this
4
d.
process that your company is in charge of, right?
5 A Yes.
au
6 Q And that would be the entries into the MSP
7 software made by the employees of LPS Default
Fr
8 Solutions; is that correct?
9 A That, I don't -- I don't know if these, in
re
10 fact, are all from that, from our Process Management
11
su
system sent back to the MSP system.
12 Q All right. So, if you'll flip through there
clo
13 and just verify for me that all of the entries marked
14 with FOR are redacted?
re
15 A They look to be. But this was a document

16 from Option One, correct?
Fo
17 Q It's an MSP document but, yes, it did come

18 from Option One.
op
19 A Okay.
20 MR. CASH: Just so the record's clear, LPS
St
21 had nothing to do with any of the redactions or

22 the decisions to redact.
w.
23 MR. WOOTEN: No. And if I inferred that

24 they did, I apologize, Mike, I wasn't doing that
ww
25 at all. I'm just drawing the correlation between
367 VALLEY AVENUE

Page 239
m
1 the two settings, okay?
2 MR. CASH: Uh-huh.
co
3 BY MR. WOOTEN:
4
d.
Q You testified earlier that you are not
5 familiar with the various modules under MSP which
au
6 report to the software from which these Consolidated
7 Note Logs arrive, are you?
Fr
8 A No, I'm somewhat familiar with the FOR, as
9 that's the foreclosure work screen.
re
10 Q Sure.
11 A
su
From my old days at Option One.
12 Q So, with respect to what's redacted, there
clo
13 is no way to know, based on these redactions, if those
14 are entries between Mr. Humphrey and his firm and
re
15 Option One or if these are entries by LPS employees,

16 right?
Fo
17 A I have no idea.
18 Q Are you aware of whether or not LPS
op
19 employees may have made entries in the MSP software as

20 a part and parcel of the work that they did for your
St
21 entity, LPS Default Solutions?

w.
23 Q Well, that kind of leaves me out in space,

24 Mr. Newland. Do you know if your employees can access
ww
25 MSP and enter notes under the foreclosure fields or
367 VALLEY AVENUE

Page 240
m
1 not?
2 A I do not know whether they can enter those
co
3 fields or not. I don't know if that's a field that we
4
d.
can actually access and put notes in there.
5 Q So I would need to talk to someone who is
au
6 more familiar about what capacities your employees
7 would have with respect to entering information into
Fr
8 MSP, right?
re
10 Q And, again, do you have anyone -- do you
11
su
know of anyone who might be knowledgeable about that,
12 who could explain that?
clo
13 A No.
14 Q And you testified earlier that prior to me
re
15 presenting you these documents, you had not had any --

16 you had not made any review or investigation of the
Fo
17 information contained in these Consolidated Note Logs?

18 A No, I have not seen anything in the note
op
19 logs.
20 Q And you made no effort during your
St
21 preparation to testify today with respect to what

22 information might've been available to your business
w.
23 through the MSP platform?

24 A No, I did not look at it, no.
ww
367 VALLEY AVENUE

Page 241
m
1 identification.)
2 Q This document marked as Exhibit 19, I'll
co
3 represent to you is a document provided to me as part
4
d.
of Option One's discovery, which indicates
5 approximately 80 people had some interaction with the
au
6 Wood loan and provides identification for those
7 people. You're not familiar with any of those people
Fr
8 unless they're an LPS employee, are you?
9 A No, I'm not familiar with these people.
re
10 Q So you would not be familiar with any
11
su
contractors from India or anything like that?
12 A No, not at all.
clo
13 Q Would you be familiar with any of the
14 businesses which provide those contractors?
re
15 A No, I'm not.

16 Q Do you know if Option One is located in
Fo
17 Jacksonville, Florida?
18 A Yes, they are.
op
19 Q Within your software services, are they

20 assigned a vendor or client code?
St
21 A Within our Process Management services?

22 Q Right.
w.
23 A Yes, they are.

24 Q So if a communication came through Option
ww
25 One to Process Management, there would be an
367 VALLEY AVENUE

Page 242
m
1 indication that that came from Option One to Process
2 Management, correct?
co
3 A It would be identified by the user ID, yes.
4
d.
(Plaintiffs' Exhibit No. 21 marked for
5 identification.)
au
6 Q Okay. Let me ask you to take a look at
7 Exhibit 21, ask if you recognize that document.
Fr
8 A I don't recognize this document, but it
9 looks like it comes from our LPS Field Services
re
10 company.
11 Q
su
Does that document appear to be either
12 property inspection or a broker price opinion?
clo
13 A It looks -- I don't know, it looks to me to
14 be a property inspection.
re
15 Q Okay. What's the date of that, please, sir?

16 A June 15th, 2007.
Fo
17 Q Do you know if any of your employees with

18 LPS Default Services enter any coding under loss
op
19 mitigation on the MSP software?

St

22 identification.)
w.
23 Q Where's that list of employees.

24 I'd ask you to take a look at Plaintiffs'
ww
25 Exhibit 22, though based on your testimony you may not
367 VALLEY AVENUE

Page 243
m
1 recognize those documents, I just want to ask you if
2 you do. I'll represent to you that I believe them to
co
3 be documents from the MSP software system provided by
4
d.
Option One.
5 A They look to be just screen shots and then
au
6 notes and I guess at the top of the page it says
7 Consolidated Notes Log, so, I imagine it's
Fr
8 Consolidated Notes Log.
9 Q Does that all, from what you're able to see,
re
10 appear to be documents which did come, in fact, from
11 MSP?
su
12 A As far as what I can see, yes.
clo
14 identification.)
re
15 Q Did I show you No. 20? It's a corporate

16 advance sheet.
Fo
17 A No.
18 Q I'll represent to you the document was also
op
19 provided to me by Option One Mortgage Company.

20 A Okay.
St
21 Q That document indicates a series of

22 transactions with respect to corporate advances. What
w.
23 is the date that the first corporate advance occurred

24 that's listed there?
ww
25 A Looks like 3/29 of '07.
367 VALLEY AVENUE

Page 244
m
1 Q Okay. And when is the last one?
2 A 10/10 of '07.
co
3 Q Does it appear that all those corporate
4
d.
advances more or less had something to do with the
5 foreclosure process?
au
6 A I don't know about the property inspection
7 fees or -- you know, whether those were associated
Fr
8 with the foreclosure or not.
9 Q Sure. And what was the date of the property
re
10 inspection?
11 A
su
That states July 5th of '07 and July 24th of
12 '07.
clo
13 Q Does the document I previously marked as 21,
14 it appears to be dated 6/15/2007 --
re
15 A Okay.
16 Q -- more or less coincide with the dates of
Fo
17 those inspections?
18 A Possibility with the billing on July 5th, or
op
19 when it was paid, I guess, that's what it looks like

20 to me.
St
21 Q Now, is this part of the segregation of

22 services in the -- on the one hand, you're over here
w.
23 at LPS Default Solutions and you're providing

24 foreclosure consultation, or however y'all term it,
ww
25 and you're getting paid by the attorney for the work
367 VALLEY AVENUE

Page 245
m
1 that you guys do. But then over here, these costs are
2 being added by the servicer on the MSP software --
co
3 A That's correct.
4
d.
Q -- for those relations?
5 A That's what it looks like.
au
6 Q And I notice in the payee category that you
7 had -- Scott Humphrey occupied one, two, three -- five
Fr
8 of those entries; and then FS, it looks like
9 F-I-D-E-L, which I'm assuming is a Fidelity entity,
re
10 there's one, two, three entries also there; and then
11
su
there is an entry for a BPO and an AVM valuation. Do
12 you know if the -- you said earlier you couldn't
clo
13 recognize 21 as to whether it was a BPO or property
14 inspection --
re
16 Q -- right? Fair enough. I can't either.
Fo
17 The invoices which were submitted by Scott

18 Humphrey which are dated in here in October and August
op
19 of 2007, those invoices were a part of what y'all just

20 brought in here while ago after lunch also?
St
21 A We brought you in the invoices. I don't

22 know if they're associated exactly with those, I would
w.
23 assume they are, but...

ww
25 identification.)
367 VALLEY AVENUE

Page 246
m
1 Q Sure. Let me show you a document I
2 previously marked as Plaintiffs' Exhibit 23, ask if
co
3 you recognize that document.
4
d.
A Looks to be an assignment of mortgage from,
5 looks like, H&R Block to Option One, dated
au
6 August 22nd, 2005.
Fr
8 identification.)
9 Q Let me show you a document I previously
re
10 marked as Plaintiffs' Exhibit 4.
11 A Okay.
su
12 Q Down at the bottom of that document it says
clo
13 something about -- the notes appear to say foreclosure
14 request. Are you able to interpret the field note
re
15 down at the bottom?

16 A Yeah, I have no idea. This is an Option One
Fo
17 entry. I have no idea what that means.

18 Q So that would've been entries made in the
op
19 MSP software again?

20 A That's what -- yeah, looks to be MSP
St
21 software, and I don't recognize -- we did not get the

22 referral prior to June 1st.
w.
23 Q Now, I believe this document was in your

24 production.
ww
25 MR. WOOTEN: Mike, do you want to look at
367 VALLEY AVENUE

Page 247
m
1 it? It doesn't have an Option One Bates stamp on
2 it.
co
3 MS. NEWMAN: Yeah, I think it was probably
4
d.
out of Document Management.
5 MR. WOOTEN: Out of what?
au
6 MS. NEWMAN: Document Management.
Fr
8 MS. NEWMAN: Sorry.
9 MR. WOOTEN: Sure.
re
10 THE WITNESS: It could've been -- could've
11
su
been part of the screen prints, the screen prints
12 that went out --
clo
13 MS. NEWMAN: Yeah, I think there's a packet
14 of screen prints in there, it probably was --
re
15 MR. CASH: We may want to go off while we're

16 having this little discussion, so she doesn't
Fo
17 have to get it all.

18 MR. WOOTEN: And the reason I said I believe
op
19 it came from y'all is because it doesn't have an

20 Option One Bates stamp on it.
St
21 MR. CASH: Exactly.

22 MR. WOOTEN: And I -- in going through these
w.
23 documents, I went through your documents first

24 before I turned to the Option One documents.
ww
25 BY MR. WOOTEN:
367 VALLEY AVENUE

Page 248
m
1 Q So, your testimony is, is those documents
2 came from -- that was not part of your Process
co
3 Management, but would've come from Document
4
d.
Management?
5 A It's an MSP screen that looks to be
au
6 basically a screen scrape that we pulled off, possibly
7 part of the referral with the documents that were sent
Fr
8 out to the attorneys for them to make the assessment
9 in reference to financial figures.
re
10 Q Sure.
11 MR. CASH:
su
Do we want -- oh, you're back on.
12 Okay. We never went off. Okay. I was going to
clo
13 say could we do all that all again on the record,
14 but we already were.
re
15 BY MR. WOOTEN:
16 Q Sure. And with respect to this document,
Fo
17 it's dated 5/25 of '07 and --

18 A That's the notes that are on there, yes.
op
19 Q Right. And there's an MSP code for a KSS,

20 which is identified in Plaintiffs' Exhibit 19 as a
St
21 Sandeep Sharma with a company called, I guess, Pune,

22 P-U-N-E, and it says borrower assistance team. And it
w.
23 indicates in that code JX050 Jacksonville, I mean, I

24 read that to say request for FCL, or foreclosure. Is
ww
25 that -- do you have any understanding of what that
367 VALLEY AVENUE

Page 249
m
1 line means or --
2 A No.
co
3 Q -- is that all guesswork on my part?
4
d.
A No. KSS, that company, has nothing to do
5 with LPS. My understanding borrower's assistance --
au
6 borrower assistance team is a term that is used by now
7 American Home.
Fr
8 Q Okay. And with respect to this, where it
9 says request for foreclosure to JAX, it -- do you have
re
10 any idea what that means?
11 A
su
I have -- I have no idea. But that is not
12 an LPS --
clo
13 Q Sure.
14 A -- acronym.
re

16 identification.)
Fo
17 Q Show you what I previously marked as

18 Plaintiffs' Exhibit 5. Is that what we would commonly
op
19 refer to as the foreclosure package that your system

20 would put together and sent to Mr. Humphrey for Option
St
21 One?
22 A This looks to be the cover sheet that goes.
w.
23 Q Sure.
24 A Now the documents behind it are not.
ww
25 Q Okay. Explain to me what the documents
367 VALLEY AVENUE

Page 250
m
1 behind it are then, please, sir.
2 A Sure. The -- basically they're bidding
co
3 information that we send to the attorneys.
4
d.
Q So is that just bidding instructions?
5 A Yes.
au
6 Q Okay. Is that all that's contained in that?
7 A Yes.
Fr
8 Q Is there anywhere on that front cover page
9 which indicates how many pages should follow that
re
10 cover page?
11 A
su
No, I don't see anything on the front page.
12 Q And what is the date of that document, if
clo
13 there is one on that front page?
14 A Sure. June 1st of 2007.
re
15 Q So that would've been the -- apparently the

16 cover letter to the original foreclosure package that
Fo
17 we talked about --
18 A Yes.
op
19 Q -- earlier today?
20 A (Nods head.)
St
21 Q And with respect to that, who does it

22 indicate that it is to?
w.
23 A Scott Humphrey.
24 Q Who does it indicate that it is from?
ww
25 A Fidelity National Foreclosure & Bankruptcy
367 VALLEY AVENUE

Page 251
m
1 Solutions.
2 Q And that's now LPS, correct?
co
3 A LPS Default Solutions, yes.
4
d.
Q Right. I'm sorry, I should've made that
5 distinction.
au
6 A No, that's okay.
7 Q And so, I'm with you now that we've gone
Fr
8 through these documents together, I agree that that --
9 the documents attached to that, I don't know how they
re
10 got in order, but they obviously don't belong attached
11 to that.
su
12 A No, they do not belong attached to this.
clo
13 Q So if you want to, snatch the top sheet off,
14 we'll just label No. 5, and the others we just won't
re
15 mark because they're bidding instructions, and I can

16 just put them back in my stack of things.
Fo
17 MR. CASH: Okay.

18 MR. WOOTEN: Or if you want me to tear it
op
19 off --
20 THE WITNESS: You tear it off.
St
21 MR. WOOTEN: Is she worried about tearing up

22 a hundred dollar bill or something?
w.
23 MS. NEWMAN: No, no, no. Now, does that

24 second document go with it?
ww
367 VALLEY AVENUE

Page 252
m
1 THE WITNESS: That just --
2 MR. WOOTEN: The second sheet indicates that
co
3 it comes from Mendota Heights, and it says Option
4
d.
One foreclosure documents, and it says: The
5 official cover sheet --
au
6 THE WITNESS: That's the cover sheet.
7 MR. WOOTEN: -- and foreclosure documents
Fr
8 are forthcoming.
9 BY MR. WOOTEN:
re
10 Q I think it might actually have been in
11 reverse.
su
Maybe it should have been --
12 A Yeah.
clo
13 Q -- first and this one should've been second.
re
15 MR. WOOTEN: Let's tear off those two.

16 And do we have a stapler, Ms. Court
Fo
17 Reporter. Clip? If we don't, we'll get one.

18 That'll be fine. Let's just use that.
op
19 And we will detach these other documents

20 since they obviously don't belong. We'll just
St
21 return that to my stack of things.

22 BY MR. WOOTEN:
w.
23 Q Y'all ran out at lunchtime, and, of course,

24 this is dated today's date and time and y'all got this
ww
25 stuff pulled down by some employees, and this was with
367 VALLEY AVENUE

Page 253
m
1 respect to some of the screens within the MSP fields
2 that we talked about in our notice of deposition?
co
3 A That's correct.
4
d.
Q I think y'all actually were able to
5 determine that you could figure out that you could
au
6 print those things from an LPS station; is that right?
7 A Yes, we were able to access them.
Fr
9 identification.)
re
10 Q Okay. And this indicates that it is a
11
su
corporate advance history screen. Does that
12 indicate -- is that a correct representation of that
clo
13 document?
14 A Yes at the top, yes.
re
15 Which I believe matches up with what you

16 provided me just a little while ago.
Fo
17 Q Sure, I think you're right. I don't think

18 there's anything spooky about those numbers at all.
op
19 And then this is a -- called a fee activity

20 ledger or the Fee 1 screen, as the MSP training people
St
21 refer to it?
w.
23 identification.)
24 A Yes, that's what it looks like. That looks
ww
25 to be tracking fees that are assessed by Option One.
367 VALLEY AVENUE

Page 254
m
2 identification.)
co
3 Q Right. We pulled off what is labeled as a
4
d.
P309, which is -- appears to be a life of loan
5 transaction sheet. I'll hand you that, represent to
au
6 you that what your counsel told me was that that is
7 the P309 form.
Fr
8 A Okay.
9 Q And you had not seen that prior to printing
re
10 it off --
11 A No.
su
12 Q -- and bringing it in here, right?
clo
14 Q And that was a document you were able to
re
15 access through --
16 A Yes, we were able to access it.
Fo
17 Q -- LPS?
18 A Associates could access it, they just don't
op
19 have the ability to change any of the information.

20 Q Sure.
St
21 A And to be honest with you, I don't -- I do

22 not know how to read this.
w.
23 Q Sure. And I'm not necessarily asking you

24 to, as much as asking you to identify that that is, in
ww
25 fact, what you guys represented to me is the P309
367 VALLEY AVENUE

Page 255
m
1 form?
2 A Yes, it is.
co
4
d.
identification.)
5 Q Okay. This document, or set of documents
au
6 labeled 29 appears to be, again, another batch of
7 those images which were pulled off during a lunch
Fr
8 break?
9 A Uh-huh.
re
10 Q That appears to be the invoices submitted by
11
su
the vendors associated with this account; is that
12 right?
clo
13 A That's correct. That have been submitted
14 through Invoice Management.
re
15 Q Okay. Is there any information that was

16 submitted through Invoice Management with respect to
Fo
17 remittances to pay those invoices?

op
19 Q With respect to this entity that -- LPS, the

20 spinoff that took place about a year ago, you said the
St
21 name change took place in February of 2009?

22 A I don't know the exact date. I think it was
w.
23 approximately February.
24 MR. WOOTEN: If y'all want to take about
ww
25 five minutes and give me a break, I think I may
367 VALLEY AVENUE

Page 256
m
1 be where I can stop.
co
3 (Brief recess.)
4
d.
THE VIDEOGRAPHER: Back on record at 5:06,
au
6 MR. WOOTEN: We've been at this a long time,
7 Mr. Newland, and appreciate your cooperation in
Fr
8 answering my questions today with respect to
9 this. I've looked back at my notes and gone
re
10 through the other documents I had here that were
11
su
unmarked, and I think what I'm going to do at
12 this point is shut down my questioning. Your
clo
13 lawyer may have other questions for you.
14 MR. CASH: Okay. I'm just going to have a
re
15 few.
16 CROSS EXAMINATION
Fo
17 BY MR. CASH:
18 Q This document that we looked at, Document
op
19 16, which says editor is The Summit, which is a

20 publication that had been talked about before, do you
St
21 remember that?
22 A Yes, I do.
w.
23 Q Is it possible for that to be an authentic

24 Summit document?
ww
25 A No, it's not.
367 VALLEY AVENUE

Page 257
m
1 Q Why is that?
2 A We stopped publishing The Summit as of April
co
3 2008.
4
d.
Q And that's dated when?
5 A November 1st, 2008.
au
6 Q Okay. So this would've been after there was
7 no longer a Summit publication?
Fr
8 A That's correct.
9 Q All right. Let me take you more to kind of
re
10 what this case is about. We've answered a lot of
11 general questions.
su
I want to focus on some very
12 specific questions with regard to Fidelity National
clo
13 Foreclosure & Bankruptcy Solutions, all right?
14 A Yes, sir.
re
15 Q In the complaint, there's a statement of

16 facts, and I want to talk about those. On
Fo
17 Paragraph 9, it says: On November 2nd, 2006,

18 plaintiffs' home burned due to an electrical fire,
op
19 leaving plaintiffs' home uninhabitable. Upon

20 receiving their notice for a mortgage payment
St
21 immediately following the fire, plaintiffs advised

22 Option One of the fire and informed Option One the
w.
23 mortgage would be satisfied as soon as the insurance

24 proceeds were paid.
ww
25 That was notice that went to Option One, not
367 VALLEY AVENUE

Page 258
m
1 to Fidelity, correct?
2 A That's correct.
co
3 Q On numerous occasions, plaintiffs contacted
4
d.
Option One requesting a payoff figure, which took
5 several months to obtain.
au
6 Plaintiffs never contacted Fidelity for a
7 payoff figure, did they?
Fr
9 Q All right. Here it says: On March 23rd,
re
10 plaintiffs mailed to Option One, two checks, a State
11
su
Farm check in the amount of 138,482, which plaintiffs
12 had endorsed over to Option One, along with their
clo
13 personal check in the amount of $6,304.04, which
14 represented the figure they were given to pay off the
re
15 mortgage.
16 Those checks did not come to Fidelity, did
Fo
17 they?
op
19 Q Of the 6,304.04, Option One asserted 4,000

20 was a prepayment penalty.
St
21 Fidelity doesn't assess or decide what

22 prepayment penalties are, do they?
w.
23 A No, they do not.

24 Q That's an Option One decision?
ww
25 A Yes, it is.
367 VALLEY AVENUE

Page 259
m
1 Q Option One initially refused to accept two
2 checks, insisting on a single payment.
co
3 Did Fidelity have anything to do with Option
4
d.
One taking one check, two checks, five checks; is that
5 anything that you control?
au
6 A No, we have no control of that.
7 Q Upon learning State Farm would not issue a
Fr
8 second check, Option One then deposited the State Farm
9 check, but continued to -- continued to refuse
re
10 plaintiffs' check on the grounds plaintiffs' check was
11
su
not a certified check and Option One would not accept
12 personal checks in the sums in excess of $5,000.
clo
13 Is that a Fidelity policy regarding
14 accepting noncertified checks?
re
15 A No, it's not.

16 Q Did Fidelity have anything to do with
Fo
17 whether to accept the payments from the plaintiffs or

18 not accept payments from the plaintiffs?
op
19 A No, we did not.

20 Q Option One refused to apply the payments it
St
21 received to plaintiffs' mortgage and continued to

22 assess fees and penalties against plaintiffs' mortgage
w.
23 loan.
24 Did Fidelity assess any fees or any
ww
25 penalties against plaintiffs' mortgage loan?
367 VALLEY AVENUE

Page 260
m
1 A No, we did not.
2 Q Did Fidelity make any decision whether to
co
3 apply payments or not apply payments to plaintiffs'
4
d.
mortgage loan?
5 A No, we did not.
au
6 MR. WOOTEN: Let me interrupt. I don't mean
7 to interrupt you, I know it's been --
Fr
8 MR. CASH: That's okay.
9 MR. WOOTEN: -- a long day, but let's just
re
10 clarify. When you say Fidelity, you're talking
11
su
about LPS Default Solutions, not any of the other
12 Fidelity companies?
clo
13 MR. CASH: No, what I'm talking about is --
14 because I want to be clear and use the same name
re
15 that's in the complaint. I'm talking what was

16 known as and sued as Fidelity National
Fo
17 Foreclosure & Bankruptcy Solutions.

18 MR. WOOTEN: Which became LPS Default
op
19 Solutions, which is how we referred to them

20 today, for clarity.
St
21 MR. CASH: Right. So for my purposes, I'm

22 going to -- when I refer to Fidelity in my
w.
23 questions, and I want you to understand this, I'm

24 referring to the defendant Fidelity National
ww
25 Foreclosure & Bankruptcy Solutions.
367 VALLEY AVENUE

Page 261
m
1 THE WITNESS: It just clarified that up
2 front.
co
3 BY MR. CASH:
4
d.
Q Okay. In April 2007, it said defendants,
5 plural, force placed homeowners' insurance on the
au
6 plaintiffs' residence, knowing the home had suffered
7 fire damage and was uninhabitable.
Fr
8 Did Fidelity have anything to do with
9 placing forced homeowners' insurance on the
re
10 plaintiffs' property?
11 A
su
No, we did not.
12 Q Is that a decision that would be made in any
clo
13 way by Fidelity?
14 A No.
re
15 Q Paragraph 13: Shortly thereafter,

16 defendants, plural, filed a notice of foreclosure,
Fo
17 which was later withdrawn. In August 2007, a second

18 notice of foreclosure was filed with the DeKalb County
op
19 Probate Court, and notices were placed in the DeKalb

20 Advertiser posting the date the foreclosure would take
St
21 place. Upon information and belief, the foreclosure

22 sale did take place on September 24th, 2007, but no
w.
23 foreclosure deed has been filed.

24 Is a decision to foreclose a decision of
ww
25 Fidelity's or is it Option One's decision whether or
367 VALLEY AVENUE

Page 262
m
1 not to foreclose?
2 A It's Option One's decision.
co
3 Q Does Fidelity have any input into or power
4
d.
to change the decisions of Option One whether or not
5 they want to foreclose?
au
6 A No.
7 Q Plaintiffs allege that defendants placed
Fr
8 upon the subject mortgage charges and fees that were
9 both false and illegal, including placing single
re
10 premium vendor placed insurance or force placed
11
su
insurance upon the loan account of the plaintiffs in
12 violation of law. That's Paragraph 14.
clo
13 Did Fidelity place any type of charge or fee
14 on this loan, including single premium vendor placed
re
15 insurance?
Fo
17 Q Does Fidelity have the authority or ability

18 to place fees and charges on this Option One loan?
op
19 A No, we do not.
20 Q The plaintiffs allege that the foreclosure
St
21 is improper and illegal for all of the following

22 reasons: A. The defendant accepted moneys from the
w.
23 plaintiff and failed to apply those funds to their

24 account in a timely and appropriate fashion.
ww
25 Did Fidelity accept any money from the
367 VALLEY AVENUE

Page 263
m
1 plaintiff?
2 A No, we did not.
co
3 Q Did Fidelity have any ability to apply those
4
d.
funds to the plaintiffs' account?
5 A No, we did not.
au
6 Q Two: The defendants charged and applied
7 significant fees and expenses to the plaintiffs'
Fr
8 account in violation of law and without legal
9 justification.
re
10 As to 15 B, does Fidelity have -- does
11
su
Fidelity place any fees or expenses on the plaintiffs'
12 account in this case?
clo
14 Q C. The defendants failed to post payments
re
15 to the plaintiffs' account so that defendants could

16 create a default or a false pretense of default.
Fo
17 Does Fidelity have anything to do with

18 posting payments to the plaintiffs' account?
op
19 A No, we do not.
20 Q Does it decide what payments to post or not
St
21 post?
22 A No, that's the client's responsibility.
w.
23 Q D. The defendants failed to engage in loss

24 mitigation as required in its agreement with its
ww
25 investors.
367 VALLEY AVENUE

Page 264
m
1 Does Fidelity have any agreement with any
2 investors to engage in loss mitigation?
co
3 A No, we do not.
4
d.
Q Is it Fidelity's role to engage in loss
5 mitigation under any agreement with investors?
au
6 A No, it's not.
7 Q This agreement is called a Pooling and
Fr
8 Servicing Agreement, or PSA, and is the document which
9 sets out this defendants' right and responsibilities
re
10 with respect to managing and curing defaults by a
11 mortgagor.
su
12 Are you a party to any pooling or servicing
clo
13 agreement, or PSA?
14 A No, we're not.
re
15 Q And by "you" I mean Fidelity.

16 A No.
Fo
17 Q The plaintiffs are an intended third-party

18 beneficiary of this agreement because the failure of
op
19 the defendants to properly manage and cure a default

20 by the mortgagor results in a loss to the trust
St
21 investors.
22 Again, are you, Fidelity, a subject to any
w.
23 pooling and services agreement having to do with the

24 Woods' loan?
ww
25 A No.
367 VALLEY AVENUE

Page 265
m
1 Q E. The defendants also, quote, packed,
2 closed quote, its charges against the plaintiffs'
co
3 account, such as repeatedly paying for drive-by
4
d.
inspections, or no inspections at all, of plaintiffs'
5 home, when they knew the home was destroyed.
au
6 Did you add any charges, and by "you" I mean
7 Fidelity, add any charges against the plaintiffs'
Fr
8 account --
9 A No.
re
10 Q -- for any such --
11 A
su
No, we did not.
12 Q All right. F. The defendants force placed
clo
13 homeowners' insurance on the property and placed such
14 insurance in an amount and cost that is unreasonable,
re
15 predatory and unconscionable and did so to create a

16 false default with the specific purpose of instituting
Fo
17 the foreclosure against the plaintiffs.

18 Did you, Fidelity, force place any type of
op
19 homeowners' insurance on the property?

St
21 Q Did you in any way attempt to create a

22 default?
w.

24 Q Do you have the authority to assess any
ww
25 charges to the loan that would create a default?
367 VALLEY AVENUE

Page 266
m
1 A No, we do not.
2 Q The defendants lacked standing to foreclose
co
3 at a time in which they allegedly foreclosed under
4
d.
Alabama law and the foreclosure is void ab initio.
5 Again, did Fidelity actually foreclose on
au
6 this property or did Option One?
7 A Option One.
Fr
8 Q Okay. The defendants are engaged in a
9 pattern of conduct with respect to their mortgaging
re
10 servicing practices whereby the defendants seek to
11
su
create false or bogus defaults so they can foreclose
12 on property for the purpose of either equity stripping
clo
13 or claiming various insurance coverages that are
14 available for servicers who foreclose on property.
re
15 First, is Fidelity a servicer?

16 A No, we're not.
Fo
17 Q And, in fact, subservicer is mentioned

18 earlier. The services you provide aren't even
op
19 under -- aren't even subservice, are they?

20 A No, we're not even subservice, no.
St
21 Q Okay. Now, is there any way that you can

22 create false or bogus defaults with the services you
w.
23 provide?
24 A No, we cannot.
ww
25 Q And you don't -- if property is foreclosed
367 VALLEY AVENUE

Page 267
m
1 upon, you don't get to equity strip it, do you? It
2 doesn't --
co
3 A No.
4
d.
Q You don't make more or less?
5 A No.
au
6 Q And you don't get any insurance coverages as
7 a servicer for foreclosure on a property, do you?
Fr
8 A No, we do not.
9 Q Paragraph 17: The defendants are engaged in
re
10 a pattern and practice of conduct which is designed to
11
su
create or manufacture false defaults for the purpose
12 of churning fees and charges on the client's mortgage
clo
13 account to increase profits to the defendants from
14 fees.
re
15 Do you charge any fees to the customer, the

16 borrower, like the Woods, do you charge any fees to
Fo
17 their account?
18 A No, we do not.
op
19 Q The defendants' conduct is oppressive,

20 wanton, malicious and intentional, and is designed to
St
21 profit the defendant at the expense of the mortgagors'

22 home.
w.
23 Do you have any fees, any activities, which

24 add any cost or fees to the mortgagors' home from
ww
25 which you profit?
367 VALLEY AVENUE

Page 268
m
1 A No, we do not.
2 Q Or to their loan from which you profit?
co
3 A No, we do not.
4
d.
Q Paragraph 20 again talks about practices
5 designed by their very nature to cause plaintiffs'
au
6 home to be declared in default for the purpose of
7 imposing fees and charges to the account which could
Fr
8 then be claimed from the investors or trust holding
9 the mortgage so the defendants could increase their
re
10 profits.
11
su
Does a foreclosure on their home give you
12 any ability to claim any fees from investor or trusts
clo
13 holding the mortgage?
14 A No.
re
15 Q By "you" I mean Fidelity.

16 A No.
Fo
17 Q Do you charge any fees that would be paid by

18 investors or trusts holding the mortgage?
op
19 A No, we do not.
20 Q This conduct was wanton in that the
St
21 defendants knew or should've known that by

22 manufacturing a default and imposing bogus or illegal
w.
23 fees against the mortgagors that injury would result

24 to the mortgagors in the form of payment of illegal or
ww
25 unauthorized fees or in the loss of the mortgagors'
367 VALLEY AVENUE

Page 269
m
1 home through foreclosure.
2 Again, imposing bogus or illegal fees, did
co
3 you impose any fees whatsoever, by "you" I mean
4
d.
Fidelity, the defendant in this case, any fees
5 whatsoever upon the plaintiffs?
au
6 A No, we did not.
7 Q Okay. Under Count II, Negligence,
Fr
8 Paragraph 24, it says: The actions of defendants were
9 negligent in that the defendants failed to properly
re
10 apply and to post payments to the account of
11
su
plaintiffs when received and in the proper amounts.
12 Did you receive, you Fidelity, the
clo
13 defendant, receive any fees from plaintiffs?
re
15 Q Or any payments from plaintiffs?

Fo
17 Q Was it your role or did you have the

18 authority to post payments to the account of
op
19 plaintiffs?
20 A We have no authority to do that.
St
21 Q Do you make any decision when to post them

22 or how much they should be -- in what amount they
w.
23 should be posted?
24 A No, we do not.
ww
25 Q The defendants placed payments into suspense
367 VALLEY AVENUE

Page 270
m
1 rather than applying the payments to the plaintiffs'
2 account.
co
3 Do -- does Fidelity play any role in
4
d.
deciding whether payments are to be placed in suspense
5 or applied to the plaintiffs' account?
au
6 A No, we do not.
7 Q You made no decision in that regard and had
Fr
8 no authority to do so?
9 A Absolutely not.
re
10 Q The defendants placed charges onto the
11
su
account of the plaintiffs that were either wrong,
12 illegal, unauthorized or in a wrong amount and failed
clo
13 or refused to correct the amount.
14 Did you place, and by you, Fidelity, the
re
15 defendant in this case, place any charges on the

16 plaintiffs' account?
Fo

18 Q Here it says: The plaintiffs and defendants
op
19 are parties to the contract in the form of a mortgage

20 that exists between them. It's a breach of contract
St
21 claim.
22 Do you have any contractual relation
w.
23 whatsoever with Mr. and Mrs. Wood, the plaintiffs in

24 this case?
ww
25 A No, we do not.
367 VALLEY AVENUE

Page 271
m
1 Q Have you ever entered into any mortgage or
2 any other contract with the Woods in this case?
co
3 A No, we did not.
4
d.
Q Count IV, Breach of Contract, the pooling
5 and services agreement. Under Count IV, that
au
6 basically allege that the pooling and services
7 agreement is a contract and that the defendants in
Fr
8 this case were acting as servicer for the subject
9 mortgage which had been securitized.
re
10 So let's start with that. Were you acting
11
su
as a servicer of this loan?
12 A No.
clo
13 Q At any time did you enter into a pooling and
14 servicing agreement regarding this loan?
re

16 Q And if you're not a party to the pooling and
Fo
17 servicing agreement, I guess you can't be in breach of

18 it, can you?
op
19 A No, you cannot.

20 Q All right. Unjust enrichment. Again, they
St
21 allege that the actions of defendants would result in

22 plaintiffs -- in defendants being unjustly enriched,
w.
23 forced to pay charges that were illegal, wrong in

24 character, wrong in amount, unauthorized, or otherwise
ww
25 improper.
367 VALLEY AVENUE

Page 272
m
1 Did you receive from the plaintiffs any
2 payment of any fees or charges in this case
co
3 whatsoever?
4
d.
A No, we did not.
5 Q Do you have -- did you have any contact with
au
6 the plaintiffs in this case whatsoever?
7 A No, we did not.
Fr
8 Q Here it says: Defendants instituted
9 foreclosure against the plaintiffs.
re
10 Did Fidelity foreclose on this loan?
11 A
su
No, we did not.
12 Q Who's -- who was the holder of the note that
clo
13 foreclosed?
14 A Option One.
re
15 Q Slander and defamation. Defendants made

16 false, slanderous or defamatory statements about
Fo
17 plaintiffs. Defendants have reported negative credit

18 information to credit reporting agencies concerning
op
19 the plaintiffs with knowledge that said information

20 was incorrect.
St
21 Did Fidelity, the defendant in this case,

22 make any reports to any credit agency of any kind
w.
23 regarding any allegations regarding the Woods in any

24 way, shape, or form?
ww
25 A No, it did not.
367 VALLEY AVENUE

Page 273
m
1 MR. CASH: That's it. Pass the witness.
2 Thank you.
co
3 REDIRECT EXAMINATION
4
d.
BY MR. WOOTEN:
5 Q With respect to the document y'all talked
au
6 about, Plaintiffs' Exhibit 15, Mr. Newland, this first
7 page talks about desktop Process Management,
Fr
8 previously known as NewTrak, and explains that the
9 desktop Process Management system is and is replacing
re
10 NewTrak. Is that information on that page accurate
11
su
with respect to the items that it describes?
12 A That's --
clo
13 Q Is that correct?
14 A That's approximately right.
re
15 Q The second page, the information contained

16 on the second page on this side, does that relate
Fo
17 correct information regarding Fidelity?

18 A As far as our addresses, yes.
op
19 Q Persons involved, that sort of thing? Scott

20 Barnes, president and COO?
St

22 Q Customer/attorney relations, those people
w.
23 all appear to be Fidelity employees?

24 A Yes, they're all Fidelity employees, except
ww
25 for Dennis Stemmle's no longer with the company.
367 VALLEY AVENUE

Page 274
m
1 Q When did he leave?
2 A I do not know.
co
3 Q With respect to the information on that
4
d.
page, does all that information appear to be correct
5 also?
au
6 A Looks to be correct.
7 Q And again, I hate to be tedious, but take a
Fr
8 look at that page. Tell me if there's anything on
9 that page that appears to be incorrect.
re
10 A That looks correct.
11 Q
su
With respect to the page that had the
12 information on it about the APR incentive winners, you
clo
13 indicated when I handed you that document that you no
14 longer pay incentives to the APR winners, right?
re
16 Q When did that process come to a conclusion?
Fo
17 A I do not recall.
18 Q Has it been since the name change of the
op
19 company?
20 A It was prior to the name change of the
St
21 company.
22 Q So sometime between today and prior to the
w.
23 name change, you don't remember exactly when, you quit

24 paying incentives?
ww
25 A That's correct. Well, prior to the name
367 VALLEY AVENUE

Page 275
m
1 change.
2 Q Right. But there was a time when Fidelity
co
3 paid incentives for their high APR firms?
4
d.
A There were times that we did pay incentives,
5 yes.
au
6 Q The information on the next page, where it
7 talks about -- it says 2007 bankruptcy winners of APR.
Fr
8 A That's the reason why November 1st of 2008
9 seems strange in reference to the front copy of this
re
10 document.
11 Q Sure.
su
12 A So --
clo
13 Q And I'm not saying that that date is
14 absolutely correct, that --
re
15 A But that's what you insinuated when you gave

16 it to me --
Fo
17 Q Right.
18 A -- that date was correct.
op
19 Q And I thought that it was.

20 A Okay.
St
21 Q I mean, I -- and apparently, it's not. So

22 I'm not trying to misrepresent anything to you or your
w.
23 lawyers or the Court. I'm just trying to

24 verify that --
ww
25 A Sure.
367 VALLEY AVENUE

Page 276
m
1 Q -- the information in this document is
2 accurate.
co
3 A (Nods head.)
4
d.
Q So this says -- this mentions 2007
5 bankruptcy winners of APR?
au
6 A Uh-huh.
7 Q Appears to be that that's reflective of the
Fr
8 year?
9 A Yeah, without going back, yes.
re
10 Q Right. And then this part talks about your
11
su
service excellence, honorable mentions?
12 A Uh-huh.
clo
13 Q And that's a big long list, says 176 firms.
14 Apparently, again, that's for the year, and that --
re
16 Q -- takes up several pages.
Fo
17 Then it has a spotlight on your referrals

18 department. And is that information all also correct?
op
19 A Well, it's -- looks to be.

20 Q And the information with respect to this
St
21 referral production, referral issues, referral reports

22 on the next page, does that all also appear to be
w.
23 correct?
24 A From my -- from what I recall, yes.
ww
25 Q Sure. And then there's another page there
367 VALLEY AVENUE

Page 277
m
1 dealing with your referrals, and looks like folks
2 employed thereby --
co
3 A Yes.
4
d.
Q -- does that seem correct?
5 And then this talks about your service data
au
6 on demand, desktop integration services.
7 A Uh-huh.
Fr
8 Q Does all that appear to be correct?
9 A Yes.
re
10 Q And then this last page, talks about payoff
11
su
express in default, and it says: FIS MSP, Process
12 Management will provide real-time payoff quotes for
clo
13 loans serviced using the FIS MSP platform.
14 A Yeah, provide them to our attorneys.
re
15 Q Right. And that was the information you're

16 talking about with respect to the prices on the
Fo
17 properties that were referred for foreclosure, right?

18 A Prices --
op
19 Q On the loans that were on -- payoffs on the

20 loans that were in foreclosure?
St
21 A Yeah, we basically referred the information

22 to the attorneys for the payoffs.
w.
23 Q Sure.
24 A Uh-huh.
ww
25 Q And that -- what that's saying is that
367 VALLEY AVENUE

Page 278
m
1 through Process Management coupled with MSP, you can
2 get that information, right?
co
3 A That's correct.
4
d.
Q And then the last couple of pages are
5 dealing with recognition of employees, apparently,
au
6 some of your document processing level people, right?
7 A Uh-huh.
Fr
8 Q So it says November 1st, 2008, but looking
9 through the actual documents, it makes reference to
re
10 the year -- yearly awards for 2007?
11 A
su
That's correct.
12 Q So we know that that had to be complete
clo
13 before this information could come out, right?
14 A Yes.
re
15 Q And you're not disputing the accuracy of the

16 information in the document, rather, this date, which
Fo
17 appears, obviously, to be wrong.

18 A Yes.
op
19 Q Okay. Is it possible that this could've

20 been a January of 2008 document, since it refers to
St
21 your 2007 APR winners?

22 A I don't know.
w.
23 Q But we know that it came after 2007, right?

24 A We believe it did, yes.
ww
25 Q Okay.
367 VALLEY AVENUE

Page 279
m
1 A I wouldn't know without seeing the original
2 documents if that was the case.
co
3 Q Sure. But with respect to the information
4
d.
contained in there, you don't dispute the accuracy of
5 the document?
au
6 A I don't dispute it.
7 Q With respect -- your lawyer sat there and
Fr
8 went through the complaint line by line, and that's
9 fine, but with respect to what your actual obligations
re
10 are for the services that you've agreed to provide, we
11
su
don't have that information until we review the
12 contracts that govern your relationship both with
clo
13 Mr. Humphrey's firm and Option One, right?
14 A It's your determination.
re
15 Q I understand that. What I'm saying is, is

16 that you can sit here today and say that you don't
Fo
17 have any rights or duties that implicate the mortgage

18 or the contract or a pooling and servicing agreement,
op
19 but without the actual contracts for what you agreed

20 to do for Option One, we really don't know what your
St
21 company agreed to do, do we?

22 A I don't know. It's up to your
w.
23 determination.
24 Q Sure. So, I mean, I understand that you're
ww
25 saying that your company does not assess fees to the
367 VALLEY AVENUE

Page 280
m
1 account, but if the contracts that you've signed with
2 Option One state that you manage the foreclosure
co
3 process for them, then it would be your company's
4
d.
decision as to how those things were done, right?
5 A No, not necessarily.
au
6 Q Okay. Well, I guess we'll try to work
7 through that when we actually get our hands on those
Fr
8 contracts, okay?
9 A It's up to you.
re
10 Q Sure.
11 MR. WOOTEN:
su All right. I don't have
12 anything else.
clo
13 MR. CASH: No, I think --
14 MR. LAWLER: Nothing.
re
15 MR. CASH: I think our next step is to get a

16 summary judgment.
Fo
17 MR. WOOTEN: What we need to do is talk

18 about those contracts also, so we can --
op
19 MR. CASH: Well, I mean --

20 THE REPORTER: Are we on the record?
St
21 MR. WOOTEN: No. No.

22 MR. CASH: No, no, no.
w.
23 THE VIDEOGRAPHER: Ends the deposition at

24 5:30.
ww
25 (Deposition concluded at 5:30 p.m.)
367 VALLEY AVENUE

Page 281
m
1 - - -
2 CERTIFICATE OF OATH
co
3
4 STATE OF FLORIDA )
d.
5 COUNTY OF DUVAL )
au
6 I, Cindy D. McClary, the undersigned
7 authority, certify that BILL NEWLAND personally
Fr
8 appeared before me and was duly sworn.
9 WITNESS my hand and official seal this 25th
re
10 day of June, 2009.
11 su
12
________________________________
clo
13 CINDY D. McCLARY, RPR, CRR
Notary Public - State of Florida
14 My Commission No. DD617209
My Commission expires: 1/10/2011
re
15
16
Fo
17
18
op
19
20
St
21
22
w.
23
24
ww
25
367 VALLEY AVENUE

Page 282
m
1 C E R T I F I C A T E
2
co
3 STATE OF FLORIDA )
4
d.
COUNTY OF DUVAL )
5 I, Cindy D. McClary, Registered Professional
au
6 Reporter, certify that I was authorized to and did
7 stenographically report the videotaped deposition of
Fr
8 BILL NEWLAND; and that pages 1 through 280, inclusive,
9 are a true record of my stenographic notes.
re
10 I further certify that I am not a relative
11
su
or employee or attorney or counsel of any of the
12 parties, nor am I a relative or employee of any of the
clo
13 parties' attorneys or counsel connected with the
14 action, nor am I financially interested in the action.
15 Dated this 25th day of June, 2009.
re
16
Fo
17
__________________________________
18 CINDY D. McCLARY, RPR, CRR
op
19
20
St
21
22
w.
23
24
ww
25
367 VALLEY AVENUE

Page 283
m
A 156:21,25 249:14 adjust 136:1 253:16 255:20
ab 266:4 189:11 239:24 acting 45:9 administrative agree 29:23
abilities 74:7 240:4 253:7 271:8,10 143:17,18 111:12 115:15
co
ability 35:20,21 254:15,16,18 action 1:2 5:16 151:1 155:15 115:17 116:2
35:24 68:5 accessed 49:2 5:19,23 6:18 155:22,24 120:17 138:1
94:25 96:20 71:22 66:1 78:25 156:5 212:7,11 138:14 160:20
d.
99:21 100:1 accesses 71:19 132:16 139:9 212:16 180:8,19 181:4
148:25 174:18 accessible 141:16 166:21 admissible 55:9 181:11 191:23
176:15 217:21 100:15 167:2 282:14 104:6,7 114:7 215:9 251:8
au
223:21 232:10 accessing 155:25 282:14 114:13 agreed 115:25
254:19 262:17 accomplished actions 66:10 advance 14:15 206:4 207:14
263:3 268:12 65:12,15 66:24 68:3 141:16 25:17 174:8 215:13 279:10
account 18:9 169:14 189:21 243:16,23 279:19,21
Fr
able 96:18,20
119:13 121:9 19:14 74:14 269:8 271:21 253:11 agreeing 115:18
121:12 122:7 157:8 173:11 active 41:16 advanced 25:15 agreement 8:16
174:1 176:7,11 61:17,23 25:19 94:1 95:8,12
re
122:12 133:2
138:6 171:4 178:5 196:6,19 186:18 advancements 96:22 113:19
184:25 189:13 211:12 212:2 activities 64:6 14:17 116:16,17
195:7 196:25 217:16 223:9 156:6 267:23
su advances 122:7 120:4,20
201:22 214:5,9 255:11 262:11 activity 33:12,13 243:22 244:4 123:10 129:11
243:9 246:14 262:24 263:4,8 41:12,17 42:2 adversarial 130:14,19
253:4,7 254:14 263:12,15,18 42:9 180:12 111:18 131:10,13,15
clo
254:16 265:3,8 267:13 253:19 Advertiser 131:17,17,20
absolutely 58:10 267:17 268:7 actual 117:16 261:20 132:1,6 137:17
116:10,18 269:10,18 136:15 146:1 advices 122:11 137:20 144:15
138:24 153:9 270:2,5,11,16 162:8 199:15 208:2 146:1,22
re
153:12 173:9 280:1 207:14 235:10 advise 184:14 147:23,25

236:12 270:9 accounts 19:10 278:9 279:9,19 advised 257:21 151:20 154:9
275:14 23:19 52:17 Adams 2:8 affect 223:21 179:19,20,24
Fo
accept 259:1,11 121:19 174:9 add 52:17,18,21 affidavit 75:24 180:6 181:23
259:17,18 accuracy 168:7 265:6,7 267:24 76:14 139:22 181:25 182:2,7
262:25 278:15 279:4 added 138:22 140:7,16 141:1 182:12,14,17
acceptable 31:6 accurate 192:8 144:12 218:6 150:9 156:10 182:25 191:16
op
accepted 184:11 273:10 276:2 245:2 157:2 231:13 206:7 207:7

262:22 accurately addendum affidavits 7:6 215:15 216:12
accepting 204:16 199:16,17 17:17 217:12 236:10
St
259:14 accusation addition 153:21 affiliate 47:19 263:24 264:1,5

accepts 181:21 228:20 Additionally affiliated 219:23 264:7,8,13,18
access 35:20,22 acknowledging 180:23 affiliates 34:24 264:23 271:5,7
w.
36:14,25 37:5 161:3 address 28:14 afield 56:12 271:14,17

38:8 39:3 43:4 acquaintances 173:16,20,21 57:19 279:18
43:20 95:4 29:17 addressed agencies 272:18 agreements
acquisition 222:25 223:1 agency 18:7 130:20 131:23
ww
122:3 133:15
133:24 156:19 33:15 addresses 272:22 132:13,14
acronym 18:4 273:18 ago 229:4 245:20 136:16,21
367 VALLEY AVENUE

Page 284
m
137:6,10 80:15 56:8,9,25 57:5 apart 68:25 256:7
146:16 149:13 allows 206:17,22 57:14,20 58:23 apologize 11:24 apprenticeshi...
206:15 Alpharetta 28:8 59:23 63:25 69:15 113:12 25:7
co
ahead 31:3 alter 36:13 64:5 74:3 116:8 199:1 approach 13:20
43:18 56:15 232:13 75:17 80:19 238:24 appropriate
59:5 61:20 altered 101:3 86:9,11 89:18 apparently 13:4 94:18
d.
97:18 98:14 232:4 98:9,14 99:2 162:20 184:11 262:24
121:3 168:16 amended 232:4 103:16,17,20 187:7 197:20 approval 175:15
184:6 226:11 America 54:19 106:13 107:4 213:23 225:14 177:21,25
au
ain't 60:23 American 217:5 107:18 108:7 225:15 250:15 178:3 179:8
Air 20:12,14 217:12 219:21 108:21 109:14 275:21 276:14 215:20
al 2:4,9 5:5 219:22 220:1 109:24 110:6 278:5 approve 171:5
189:6 222:17 249:7 110:24 112:2 appear 32:20 approximately
Fr
Alabama 1:1 5:6 amount 94:18 113:6,20,23 194:1 197:4,14 7:17,20 10:7
29:15,18,21 143:24 144:2,4 115:9,16,22 197:17 198:6 11:3,15 12:5
30:8 44:25 144:12 148:21 116:10,12,14 199:11 200:2 13:25 16:8
re
45:7 55:4 152:17 153:7 120:2,9,11,21 200:13,20 19:18 20:21,23
57:20,24 95:23 154:4,20 121:22,24 226:10 236:24 20:24 21:1
104:2 109:1 164:14 178:3,9 130:2,3,22,25
su 237:3 242:11 24:12 26:11
110:7 112:6 214:7 215:10 134:1 136:20 243:10 244:3 27:4 33:1
140:1 148:9 258:11,13 146:19 149:3 246:13 273:23 54:17 67:6
169:20 172:9 265:14 269:22 164:2,6 168:16 274:4 276:22 95:23 193:25
clo
172:25 215:6,9 270:12,13 181:1 192:3 277:8 217:9 241:5
215:11 216:22 271:24 207:6 208:15 APPEARANC... 255:23 273:14
266:4 amounts 21:24 212:8 235:25 2:2,6,12 APR 66:5 167:4
alarm 194:12 153:19 156:25 236:18 appeared 44:23 167:6,8,20,24
re
allegation 78:10 269:11 answerable 281:8 168:3,8,12,22

108:13,16 Anderson 90:23 62:12 63:20 appears 20:22 169:3,4,7,9,10
114:22 168:10 91:21 answered 160:23 161:8 170:2,19
Fo
168:12,14 ands 136:20 115:19 257:10 166:25 187:3 171:22 172:2,8

allegations 7:11 and/or 68:7 answering 7:5 195:12 197:14 172:17 233:23
53:11,15 78:16 100:24 152:21 46:13 103:12 225:23 235:19 234:4,14,24
139:15 152:5 171:20 206:17 207:2 236:4 244:14 254:4 274:12,14
op
272:23 206:23 207:9 256:8 255:6,10 274:9 275:3,7 276:5

allege 262:7,20 212:10 231:6 answers 64:10 276:7 278:17 278:21
271:6,21 Ann 166:7 167:1 87:19 88:3,6 application April 257:2
St
allegedly 266:3 183:23,25 111:22 113:15 187:13 261:4

allonge 199:24 186:16 195:24 205:14 applied 176:12 archival 232:14
199:25 200:6,7 196:8 197:5 anybody 45:23 263:6 270:5 archive 31:23
w.
allonges 200:2 announcement 71:25 121:16 apply 182:24 archived 41:11

200:14,22 229:12 135:19 259:20 260:3,3 area 8:3 10:9
allow 109:1,24 answer 36:2 anybody's 199:2 262:23 263:3 11:9 26:17
120:1,11 40:7 47:6 49:8 anymore 108:22 269:10 41:7,23 50:10
ww
allowed 93:21 49:8 52:20 anyway 9:1 applying 270:1 52:10 99:3
allowing 56:9 54:22 55:16 229:5 appreciate 84:23 135:15 178:22
367 VALLEY AVENUE

Page 285
m
221:17 123:21 248:8 associates 78:5,19 79:5,9 155:16 167:5
areas 45:24 assessments 101:25 102:2,5 79:16 83:8,20 167:12,13,25
140:7 171:19 145:17 196:13 231:6 83:22,25 84:2 168:9 169:1,12
co
180:25 asset 8:5 125:14 254:18 84:21 90:20 170:12,17
arrive 144:3 125:16,18 Associate's 28:1 92:2,9 93:14 172:9,9,20,24
239:7 126:4,8 association 93:18,20,23 174:14 185:10
d.
article 204:20 assets 8:3 62:23 218:19 94:3 95:3,11 191:19 202:17
205:2 233:17 62:25 63:14 assume 22:16 96:11,18,21,21 215:9 216:24
235:4 assigned 71:23 27:20 37:4 97:1,2 129:24 223:6 231:2
au
article's 235:8 80:13 151:2 67:10 178:14 130:15 144:13 248:8 250:3
Arvind 202:2 241:20 178:16,18 146:6 147:10 277:14,22
ASAP 184:3 assignment 223:1 245:23 147:13,24 282:13
ascertain 69:11 75:19 76:15 assumed 169:2 148:3,8,9 attorney's
Fr
133:2 146:1 77:2,8,9,17,19 190:2 149:1,9,9 110:23 153:19
222:18 78:4 80:15 assuming 14:20 151:1,2,11,15 154:14 168:25
Ashley 2:19 5:11 172:3,3 188:23 22:16 24:1 151:18 152:21 215:5,10
re
asked 39:23 44:1 189:1 190:6,25 26:1,13 37:24 153:23 162:15 attorney-client
47:20 62:2 191:23 192:1 39:17,22 50:19 163:10 164:13 129:14,21
78:9 80:4 193:2 195:8 64:9,15 170:10
su 167:7,8 169:3 Auburn 2:4
81:11 85:16 200:1 219:1,9 172:13 194:24 169:8 170:2 August 12:14
97:9 98:18,19 229:25 231:13 206:19 214:14 171:13,23,25 18:22 187:1
102:9 105:14 246:4 245:9 174:19 184:2,8 193:14 194:8
clo
126:6 135:14 assignments Atlanta 20:8,10 184:16,18,24 194:21 195:13
166:19 167:1 77:21 78:2,11 23:11,11 185:1,2,5,15 195:23 196:17
206:14 234:25 188:22 192:7 Atlanta's 20:9 186:3 191:9,11 236:24 237:3
asking 33:9 192:12,13 attached 199:23 192:4 206:2 245:18 246:6
re
34:15 41:22 203:10,12 200:7,15,16 209:4,8,10 261:17

46:11 51:21 assist 8:8 103:3 203:11,12 212:13 215:18 authentic 256:23
55:19 60:9 assistance 12:24 251:9,10,12 216:1,6,9 authority 103:23
Fo
89:10 115:13 248:22 249:5,6 attachments 219:7 223:4,13 129:21 176:10

118:16 121:24 assistant 8:13 199:14 223:14 231:8 262:17 265:24
130:12,13 9:22,25 11:7 attempt 121:13 231:10,12 269:18,20
131:15 132:5 11:10 25:21 265:21 235:14 244:25 270:8 281:7
op
132:12 174:3 26:7,10,12 attempting 282:11 authorization

178:17 180:24 28:17 65:2 12:25 attorneys 54:1,6 163:11
254:23,24 associate 102:1 attention 60:2 54:10 65:11,24 authorized
St
aspect 67:12 196:10 166:2 66:9 67:20 282:6

asserted 258:19 associated 30:21 attorney 8:2 68:3,5 71:16 authorizes 207:8
assess 217:16,21 30:22 37:1 30:17 65:2,5,7 71:18 73:11 auto 158:9,11,12
w.
258:21 259:22 73:6 74:13,21 65:22 66:4,4 92:18 93:16,22 159:21

259:24 265:24 75:10,14 83:5 66:13,24 69:20 94:3,8 95:2,6,7 automated
279:25 83:7 104:25 70:16,21,25 95:13,14 96:16 158:18,20
assessed 83:21 110:20 115:20 71:3,24,25 140:1 147:6,18 161:2 162:21
ww
253:25 190:9 244:7 75:18,22,24 147:20,25 163:1 197:2

assessment 245:22 255:11 76:2 77:11 148:20,24 201:6 202:7
367 VALLEY AVENUE

Page 286
m
automatically 128:12 131:7 99:3,4 102:3 148:23 158:9 26:5 28:15
159:21 160:7 140:10,22 136:22 141:10 159:5,7,22 45:8 51:16
AutoProc 159:6 150:5 152:21 177:4,11 163:4,8 164:20 63:1 73:25
co
available 30:14 163:7 165:20 203:24 226:21 168:5 171:3,7 88:14 89:17
33:4,7 39:10 165:22 175:24 226:22 228:4 174:15,23,24 90:8 91:14
49:2,14 83:9 178:13 179:2 234:8 250:25 177:20 183:22 99:4 122:13,17
d.
88:12,13 92:2 187:25 193:15 257:13 260:17 184:19 185:6 123:5 126:7
95:14 122:3 194:18 198:15 260:25 275:7 186:21 189:23 144:5 164:21
159:23 176:5 198:22 200:8 276:5 189:25 198:1,2 169:22 179:2
au
196:23 240:22 201:22 209:4 barely 218:13 204:25 223:18 186:24 188:18
266:14 210:22,24 bargain 147:4 231:2,4 232:10 188:21 212:8
Avenue 1:20 2:8 211:6 214:18 Barnes 86:11,24 248:6 250:2 214:16 220:8
AVM 245:11 221:16,25 87:18 89:12 271:6 277:21 224:12 238:1
Fr
award 173:6 225:9 231:7 90:11 273:20 basis 34:14 243:2 246:23
awards 233:23 233:18 238:11 base 20:12,14 62:12 64:13 247:18 253:15
234:7 278:10 248:11 251:16 baseball 27:16 74:5 112:13 278:24
re
aware 17:15 256:4,9 276:9 based 20:22 116:3 121:19 belong 251:10
45:21 52:5 backup 100:6 41:19 44:16 124:11 172:8 251:12 252:20
61:10,23 93:25 bad 191:25 53:11,13 55:24
su 207:11 217:16 belongs 165:9,15
95:5 100:14 balance 115:16 70:9 79:6,17 batch 173:22,25 165:17
101:16 122:16 173:16,19 79:20 94:25 174:2,3 218:1 beneficiary
131:18,23 174:8 175:16 101:22 103:25 255:6 264:18
clo
132:2,17 176:1 177:17 114:15 124:12 Bates 31:1,4 benefit 147:3,8
133:10 228:23 177:23 178:5 124:21 144:6,9 247:1,20 148:6
230:5,7 239:18 178:10,15,19 145:16 151:10 Baum's 225:7 benefits 147:12
239:22 178:24 179:6 151:13,14 Beach 63:18 best 21:3 119:2
re
a.m 1:19 5:7 196:3 156:15 160:11 bear 193:17 159:3

158:18 192:23 balances 23:18 169:9,11,13 bearing 194:7 bet 111:1,1
193:22 194:6,7 Bank 1:8 12:9 170:6 177:20 began 19:18 better 25:13
Fo
194:9 195:17 16:18,20,25 179:4 183:25 beginning 47:18 167:21 169:4,6

197:7,13 202:6 17:5,13,17,20 188:12,13 50:8 97:17 181:7
17:22 18:25 201:8 206:19 139:20 140:25 beyond 41:23
B bankrupt 98:15 215:23 239:13 150:6 158:1 49:7 104:17
op
B 263:10 bankruptcies 242:25 170:15 173:11 167:16 180:25

bachelor's 27:22 54:2 144:25 basically 8:7 188:1 222:1 bid 164:20,22
back 14:5,6 20:6 bankruptcy 1:9 15:10 21:12 256:5 175:15 177:20
22:15 30:21
St
5:19 8:18 25:5 37:21 begins 5:1 92:17 178:1,3,6

37:13 47:16 11:12 28:18,22 51:19 65:5,9 164:9 bidding 197:1,10
50:7 53:17 29:1,12 33:25 65:10,23 68:1 behalf 1:15 45:9 197:16,22
57:16 68:12,24
w.
40:6 48:1,8,19 71:14 77:9 46:2,2 133:19 198:3,4 250:2

70:3 77:10 61:8,12,13 92:12,17 96:22 155:6 179:14 250:4 251:15
86:14 97:16 65:25 78:5 103:3 108:10 180:4 201:1 big 20:9 121:1
99:16 102:3,10 81:5 85:10,13 123:20,21 belief 195:16 129:19 229:8
ww
102:10 117:13 89:4 92:15 124:4,6 143:20 261:21 276:13

118:4 119:24 98:6,10,11,15 144:18 147:13 believe 18:1,5 bigger 138:25
367 VALLEY AVENUE

Page 287
m
bill 1:14 3:2 5:2 24:25 26:9,10 213:5 264:7 131:12 139:23
6:1 83:9 84:1 26:15 27:2 burden 114:6 calling 21:19 141:5 150:15
208:3 251:22 Brandi 166:4,10 burdens 114:10 calls 80:17 153:6 152:22 157:13
co
281:7 282:8 166:25 bureau 153:11 180:14 192:2 158:8 164:19
billable 234:9,10 breach 270:20 burned 165:2,4 capabilities 168:11 169:23
billed 85:5,6 271:4,17 184:13 257:18 73:23 99:14 173:15 174:9
d.
144:13 154:4 break 43:19 business 18:12 capable 94:9,12 175:21 176:18
billing 85:4 97:20 116:21 21:2,10 22:7 204:18 192:12 199:15
135:22 244:18 150:4 151:6 22:17 26:21 capacities 73:23 206:16 210:16
au
bills 52:14 84:2 194:13 210:20 29:1 81:5 74:6 204:16 210:21 215:19
208:1 221:21 255:8 107:16 114:16 240:6 216:9,12
Birmingham 2:9 255:25 138:19 146:7 capacity 25:10 218:17 222:8
45:7 70:1 93:3 breaks 97:25 152:13 168:23 25:12,15 99:25 224:3,10
Fr
bit 37:13 134:16 Brief 89:25 192:6,10 caps 137:1,2 225:13,16,17
140:24 181:6 97:15 142:20 208:11,14 caption 204:24 226:21 227:1,2
212:11 233:22 145:4 162:17 219:12 240:22 capture 174:19 227:6,9 232:25
re
Block 200:4 194:11 198:14 businesses Carbiener 89:24 233:9,12
246:5 198:18 201:18 241:14 90:1,10 234:21 236:1,7
blood 29:15 211:16 221:24 business's 61:13
su Cardenas 236:19 237:14
board 103:20 256:3 button 37:2 235:15 257:10 263:12
boarding 33:15 bringing 225:21 42:10,23 cards 23:20 269:4 270:15
bogus 266:11,22 254:12 buyer 209:8 care 106:4,7 270:24 271:2,8
clo
268:22 269:2 broad 44:11 bypassed 219:7 109:21,25 272:2,6,21
Bomar 23:2,4,10 broader 9:14 bytes 193:23 113:3 138:16 279:2
23:14,17,21 broadly 130:6,8 194:9,22 195:5 213:12 cases 106:20,22
24:7 broken 91:16 B-O-M-A-R career 81:2 106:23 108:2,6
re
bonuses 172:20 broker 123:4,6 23:4 carries 164:11 109:23 141:10

Book 221:8 123:12,19,20 case 5:5 6:16 7:2 153:23 220:4,5
borrower 137:9 124:1,9 125:6 C 7:5 33:24 48:3 224:16
Fo
153:6 185:5,16 125:10 126:5 C 263:14 282:1,1 48:4,5 54:24 Cash 2:13 3:5
213:17 248:22 126:11,19,22 California 148:8 55:22 70:1,11 5:17,17 8:15
249:6 267:16 127:7,12,20 call 19:13 56:13 70:16 78:11 8:23 30:16,16
borrowers 12:24 217:17 242:12 56:15,18 81:25 79:25 80:3 31:2,12 33:22
op
13:16 brother 60:8 93:3 97:21 89:3 97:21 34:2,6,8,11,17

borrower's 233:6 174:4 194:12 98:11 103:19 34:18,21,23
137:1,3,5 brought 25:14 194:14 198:11 103:21 104:18 35:4,10 40:4
207:22
St
249:5 75:12 121:10 104:25 105:6,6 43:23 44:9,22

boss 88:7,21 166:1 190:16 called 17:24 23:2 106:3,14,17,25 45:1,5,8,12,17
89:10,12 90:4 231:21 245:20 68:6 71:8 107:1,5,8 45:25 46:5,9
98:22 99:8
w.
bottom 166:24 245:21 108:2,12,12,19 46:11,13,20,23

246:12,15 bucks 21:16 117:2,5,9 108:22 109:20 47:9,23 49:6
bought 23:21 building 28:13 134:5 165:9 111:7,11 114:4 52:19 53:9,16
Box 2:3 40:20 43:3,6 180:6 188:14 114:18 118:12 53:20 54:21,25
ww
BPO 245:11,13 buildings 43:10 197:22 229:17 120:5,6,13,22 55:1,5,13,17

branch 22:20 bunch 210:6 248:21 253:19 121:1 129:2 56:5,11,20
367 VALLEY AVENUE

Page 288
m
57:2,13,17 181:14 192:2 Certificate 3:7,8 155:15 213:11 Cindy 1:22
58:1,5,10,14 194:15 198:10 281:2 213:21,24 281:6,13 282:5
58:17,21,24 207:1,12,17 certified 259:11 263:6 282:18
co
59:9,14,18,24 210:13,23 certify 281:7 charges 52:17 CIRCUIT 1:1
60:2,7,15,17 211:1,4 213:2 282:6,10 142:9 151:1,11 circumstance
60:19,24 61:20 213:16,20 chain 223:7 151:20 153:22 13:4
d.
68:10,14,18,21 214:1,12,16,23 chance 139:18 218:2,3,5 circumstances
69:6 73:2 78:9 224:15,23 chances 236:5 262:8,18 265:2 152:3
78:14 80:17 225:11 226:11 change 48:11,15 265:6,7,25 citizens 111:10
au
82:24 84:16 226:19 227:13 50:3 97:11 267:12 268:7 city 20:9
87:22,25 88:25 227:21 228:3,7 99:22 100:1 270:10,15 CIVIL 1:2
90:2 97:23 228:12,15 115:4 149:25 271:23 272:2 claim 53:13
98:2,8,14 229:1 232:23 187:21 203:25 charging 213:13 70:11 165:3
Fr
103:9,17 104:1 233:4,7,10,15 221:20,22 214:10 166:21 167:2
104:11,13,16 234:15 235:21 232:12 254:19 Charles 62:19 175:21 177:19
104:22 105:11 235:24 236:3 255:21 262:4 64:20,21 268:12 270:21
re
105:21,24 236:12,16 274:18,20,23 check 84:22 claimed 268:8
106:2,6,10,13 238:20 239:2 275:1 118:3 184:11 claiming 266:13
106:18,22,25 247:15,21 changed 14:2
su 184:12 208:3 clarified 261:1
107:4,7,10,21 248:11 251:17 100:16,16,17 223:10,15 clarify 44:23
108:1,4 109:7 256:14,17 232:4,15 258:11,13 64:7 66:6 72:7
109:10,15,18 260:8,13,21 changes 31:24 259:4,8,9,10 98:12 123:18
clo
110:13,22 261:3 273:1 33:20 35:25 259:10,11 135:5 137:16
111:5,8,12,16 280:13,15,19 36:13,15,19 checked 175:24 137:23 215:7
111:20,23 280:22 100:5,12,24 checks 258:10 260:10
112:5,17,20,23 categories 30:18 217:25 258:16 259:2,4 clarity 125:21
re
113:4,13,17,24 98:19 channel 91:19 259:4,12,14 260:20

114:9,20 category 90:19 character cheese 86:7 clause 206:21
115:25 116:2 137:11 185:25 271:24 choice 96:13 Clay 88:8,21
Fo
116:11,18 245:6 charge 22:19 115:23 127:24 89:10,15,18

118:2,13 119:8 caught 116:21 36:3,6 52:23 choose 93:23 90:11
119:18,25 cause 176:10 53:4,7 54:6 94:7 95:10,18 Clay's 88:9
120:24 121:22 225:13 227:9 81:4 83:17 96:7,15,16,17 clear 8:15 9:19
op
123:3 125:21 268:5 88:4 89:20 147:13 148:25 40:9 46:19,24

130:2,22,24 Center 101:18 92:9 142:19 149:1 56:2 57:3
131:3,24 132:5 CEO 89:24 154:5,10,17,19 chooses 96:21 104:15 107:19
St
135:25 136:19 certain 36:15 155:25 208:18 112:10 107:21,22

137:8,21,24 37:5 66:9,24 215:9,10 chose 93:18 109:16,18
138:6,12,15,18 91:19 100:1 217:17 223:9 chosen 96:1 112:14,18,18
w.
138:20,24 102:14 146:12 235:13 238:4 Chris 129:18 112:20 113:7,8

140:17 164:1,4 147:11,20 262:13 267:15 Christine 90:23 113:25 119:25
167:21 168:2 156:21 168:1,1 267:16 268:17 chronological 120:8 125:23
168:10,16 177:22 220:6 charged 23:20 157:24 127:3 132:3
ww
177:2,6 179:16 certainly 50:4 137:3,5,9 Chuck 90:23 210:19 214:3

180:14,23 228:20 142:13,17 churning 267:12 238:20 260:14
367 VALLEY AVENUE

Page 289
m
clearance 39:7 99:23 105:14 collectors 19:13 communicate 243:19 248:21
clearly 179:21 125:4 127:10 collects 155:13 70:25 71:2 249:4 273:25
clerk 228:4 128:4 139:10 college 22:23 146:5 274:19,21
co
client 35:15,19 145:17 148:25 24:16,21 27:10 communicating 279:21,25
36:12 44:5,15 149:20,21 27:11,12 28:4 186:2 company's
45:10 55:16 152:12 171:14 column 193:16 communication 61:18 165:23
d.
56:25 57:2,4 199:12 206:4 come 10:23 65:23 129:14 280:3
58:23 60:14 215:13 217:15 21:20 53:17 129:16 196:8 compared
62:3 63:3 218:5,9 231:6 59:10 69:23 241:24 169:12
au
70:13 77:24 client's 36:16 70:3 77:10 communicatio... compensation
78:20 79:6,18 42:1,16 46:2 92:20 108:9 44:3 50:13 155:4,9,10,11
79:21,23 83:11 47:8 49:1,5 110:8,8 140:10 65:11 71:16 156:4
92:22,23 93:7 70:1 107:15 143:14 145:1 98:23 141:8 competitor
Fr
96:19,19,23 119:2 134:21 174:12 178:13 185:9 220:2
103:4 105:15 153:1 237:1 180:21 215:15 companies 125:5 competitors
107:13,18 263:22 267:12 226:20 238:17 125:9,13 138:4
re
109:13 114:16 Clip 252:17 243:10 248:3 126:21 128:5 complaint 54:24
114:22 115:8 closed 265:2 258:16 274:16 133:6 220:2,3 55:24 57:7
115:16 117:24 coach 115:6 278:13
su 260:12 58:7 139:8,11
124:12,14,17 code 44:7 50:16 comes 92:22 company 9:14 139:15 142:8
124:21 125:4 237:16 241:20 149:17 171:2 17:24 18:1 257:15 260:15
128:19 144:20 248:19,23 215:22 242:9 23:2,8 34:10 279:8
clo
144:22 148:13 codefendants 252:3 34:25 40:18,20 complete 27:24
149:11 152:22 129:23 132:11 coming 9:18 49:4 51:7 66:9 121:23
159:18,21 codes 44:7 50:16 21:15 30:11 52:16 66:5 130:19 169:14
160:11,11,13 189:4,21 39:18 109:9 81:4 83:17 169:25 170:14
re
161:25 165:15 coding 242:18 139:11 183:5 87:10,11 98:5 170:23 171:4
171:15,18 coincide 244:16 205:16 99:15 108:10 171:15 172:3,4
175:15 177:21 collect 15:11 commensurate 117:25 120:16 190:6 192:18
Fo
177:24,25 19:10,14 37:6 123:16 147:4 278:12

178:2,6,23,25 collecting 23:16 comment 156:15 160:4,7,21 completed 68:2
179:3,6,7,10 153:7 187:6 161:3,9 162:9 164:13,18
184:24 187:16 collection 15:8 comments 163:1 165:20 190:6 193:2
op
200:11 217:23 18:7,13,17 175:20 166:8 168:23 completely

218:2,16 23:8 81:1 Commercial 172:19 176:17 111:12 112:1
241:20 152:24 206:17 20:5,16,17 182:9 185:12 114:4
St
clients 40:15 206:22 207:9 21:2 22:14,25 186:3,8 188:17 completing

50:25 51:12 collections 13:13 24:4 191:16 196:4 170:3
52:3,23 53:1 13:14,16 14:6 Commission 196:23 204:7 completion
w.
62:9 65:10 14:10 15:2,5 281:14,14 213:19,22 162:16,18

66:18,19 68:8 15:14,19 16:1 commitment 214:13 219:22 169:10,17
71:20 73:12 16:4,5,7 19:9 163:12 225:24 226:9 171:7
79:10 82:14,15 21:11,13 29:25 commonly 18:3 229:14,16,17 completions
ww
84:22 95:10,17 collector 23:15 125:15 188:14 229:18 230:18 100:25

96:7,7,12 24:2 249:18 238:4 242:10 compliance 66:3
367 VALLEY AVENUE

Page 290
m
compound 43:7 99:9 237:15 132:9 145:20 copied 225:9 50:21 66:10,11
43:10 49:22,25 239:6 240:17 146:4,14 149:7 copies 31:4,5,7 66:13,14 67:3
computer 36:24 243:7,8 151:25 181:20 31:18 133:16 67:4,14,18
co
concept 138:9 constitutes 206:10 207:14 134:7 154:2 68:18 70:7,18
concern 138:25 214:6 217:2 224:11 215:25 227:3 70:22 72:2
concerned 138:9 construction 225:23 226:7,9 copy 30:6 32:18 74:21,22 78:23
d.
138:21 168:7 110:19 270:19,20 132:10 139:8 79:1,11,19
concerning consultation 271:2,4,7 140:15,22 80:5,12,16
272:18 244:24 279:18 199:11 202:16 81:3,7 83:6
au
concise 205:4 consumer 21:4,7 contracted 205:20 208:3,3 85:20 86:19,22
concluded 21:10,12 23:6 151:18 160:16 216:20 217:2 90:12,16 91:4
280:25 138:23 154:5 182:10 231:14,14 92:14 93:12,19
conclusion 80:18 154:10 218:6 contractors 235:11 237:13 94:11,14 95:9
Fr
192:3 274:16 consumers 241:11,14 275:9 99:10,11 117:3
concomitant 19:13,15 contracts 54:1,5 core 92:12 126:10 127:5
78:20 consumer's 54:9,12 94:6 189:25 129:6,9 135:8
re
condensing 223:9 127:7,11 Cornett 88:8,21 136:6 137:7
172:12 contact 157:7 128:25 129:3 89:10,15,18 139:15,24
conduct 179:14 272:5 137:13,15
su 90:11 141:13,19,24
180:3,9 266:9 contacted 206:15 227:1 corporate 6:24 142:3,6 143:2
267:10,19 152:15 258:3,6 279:12,19 17:14 19:5 143:12 145:14
268:20 contain 76:5,10 280:1,8,18 35:16 79:5,15 147:2,22
clo
conducted 209:7 76:16 209:3 contractual 112:8 119:13 150:22,24
210:8 225:23 128:3 207:7 122:7 174:8 151:22 152:14
conducting contained 44:4 216:11 217:1 243:15,22,23 153:17 154:7
201:1 215:11 50:14 99:22 270:22 244:3 253:11 156:14,20,22
re
conduit 65:10 117:23 119:1 contractural corporation 1:7 157:6,9,17,18

conference 61:2 133:17 151:20 94:1 5:5,22 9:8 157:22,24,25
confidential 151:24 178:21 contributing 24:10 148:8 158:14,21,25
Fo
120:13 179:20 193:5 240:17 168:15 217:5 159:1 161:1,6

179:23 250:6 273:15 control 42:7 Corporations 161:10,13
confidentiality 279:4 67:13,16 111:7 83:1 163:3 165:18
120:4,10,18 contents 98:24 111:10 113:21 correct 7:7,12 165:20,21
op
137:20 179:18 156:15 232:22 114:1 259:5,6 9:4,8 12:3,7 166:6,9 167:3
179:24 continue 69:10 conversation 13:5,9,18 169:17 170:1,4
connected 186:20 116:15 16:15 18:10 170:5,8 172:7
St
200:17 282:13 continued 4:1 conversations 19:15,16 24:3 175:18,22

Connecticut 259:9,9,21 80:7 24:6 25:9 176:3,13,15,19
61:24 continuing convince 112:25 28:18 30:1 176:23 177:1
w.
considered 115:6,8 113:1,2 32:3,6,7 35:21 177:11,12

82:13 171:25 contract 85:21 convinced 113:3 35:23 37:6 178:8 182:5
172:20 181:12 85:25 86:4,5,6 COO 273:20 40:19,22,24 183:13 185:13
consists 172:2 95:15,16 96:2 cool 82:25 41:4,8,13 186:9 187:9,19
ww
202:6 96:3 129:5,8 cooperation 42:11 45:4,5,8 190:7,18

Consolidated 129:10,15 256:7 45:16,17 50:20 191:24,24
367 VALLEY AVENUE

Page 291
m
192:8,14,21,24 171:16,17,20 168:8,21 152:20,21 162:15 170:25
192:25 193:2 265:14 267:24 203:18 225:7 153:3 267:15 171:21 173:17
195:1,14,21,22 costs 110:7,20 226:22 227:7 customers 52:14 173:21 175:20
co
196:24 197:8 115:20 148:11 233:1 252:16 142:19,21 197:6,16
200:21 201:2,3 171:6,8,12,14 261:19 275:23 152:10 201:23 220:14
202:9 203:5,6 171:15,20 covenants customer's 220:22 221:2
d.
204:19 206:6,9 172:5 218:9,18 146:16 173:21 234:10 235:7
212:3,6,15 245:1 cover 203:2 Customer/atto... 242:15 243:23
215:16 216:17 could've 96:1 249:22 250:8 273:22 244:9 250:12
au
216:23 219:24 191:8 219:6 250:10,16 cut 25:16 252:24 255:22
219:25 220:6 235:6 247:10 252:5,6 cycle 213:12 261:20 275:13
221:9 222:10 247:10 278:19 coverages C-A-R-B-I-N-... 275:18 278:16
222:16,17 counsel 4:19 266:13 267:6 90:8 dated 39:14
Fr
223:23 226:1,5 5:12 30:24 co-counsel C-E-R-B-I-N-... 183:7 200:22
231:23 232:1 44:24 45:3 179:11 193:4 90:7 200:23 221:6
234:1 238:8,16 48:25 109:2 237:14 244:14 245:18
re
240:9 242:2 227:16 254:6 create 70:4 D 246:5 248:17
245:3,15 251:2 282:11,13 115:11 216:5,7 D 1:22 263:23 252:24 257:4
252:14 253:3 Count 269:7 232:15 263:16
su 281:6,13 282:5 282:15
253:12 255:13 271:4,5 265:15,21,25 282:18 dates 244:16
257:8 258:1,2 country 91:9,12 266:11,22 daily 64:12 74:5 David 1:3 5:3
270:13 273:13 112:10 167:17 267:11 damage 261:7 75:3
clo
273:17,21 county 1:1 5:6 created 76:6,11 dance 214:25 day 39:14 87:19
274:4,6,10,15 26:5 29:15,18 creative 82:24 dash 188:20 160:23 176:7
274:25 275:14 29:20 30:8 credit 17:25 20:5 194:24 195:4 236:5 260:9
275:18 276:15 44:24 57:24 20:16,17 21:3 data 31:23,24 281:10 282:15
re
276:18,23 59:10 111:10 22:14,25 23:2 33:19 35:25 days 10:25 12:6
277:4,8 278:3 148:10 216:22 23:20 24:4,7 36:12,13,14,19 15:12 45:14,19
278:11 230:2 261:18 153:11 272:17 37:5 44:8 124:18 169:13
Fo
corrected 281:5 282:4 272:18,22 50:17 52:2 169:22 239:11

222:19 couple 22:15 crop 164:24 62:8 76:9 77:4 day-to-day 36:6
correlate 194:2 140:4 278:4 Cross 3:5 256:16 79:20,22 36:8 62:12
197:4,14,17 coupled 278:1 CRR 1:22 100:16 101:2,9 64:6 86:20
op
198:6 course 252:23 281:13 282:18 133:17 136:22 121:19

correlates court 1:1 5:5,12 cumulative 69:2 136:23 141:8 DDCH 133:13
197:25 198:2 5:14 30:7 157:12 159:14 164:14 134:11
169:11 170:6
St
correlation 37:13 46:3 cumulatively DD617209

193:17 238:25 56:10,14,15,18 68:23 210:7 215:22 281:14
correspondence 56:21 57:14,16 cure 264:19 217:25 218:1,4 deal 97:21 105:3
218:8,16 277:5
w.
8:8 44:2 50:12 58:20 59:3 curing 264:10 108:22 115:24

133:17 184:3 65:9 69:15 current 13:16 database 101:17 191:18 229:8
184:17 185:1,3 104:22 109:4 currently 5:20 153:15 dealing 143:8
corresponding 110:3,9,18,22 7:21 36:24 date 1:18 11:24 277:1 278:5
ww
202:4 113:25 115:9 159:8 11:25 15:25 deals 71:15 98:5

cost 110:9 115:18 120:8 customer 52:17 19:20 77:14 121:18 126:9
367 VALLEY AVENUE

Page 292
m
208:11,13 131:12,12,14 47:25 48:2 261:18,19 109:9 110:10
debt 18:6,13 131:16 132:10 89:3 112:9 delineate 212:16 115:21 116:4
80:23 133:23,25 118:25 206:16 delineated 41:11 116:17 117:1
co
debtor 184:8,10 134:12 141:7 213:21 260:24 42:1 50:10 119:19 120:4
Decatur 26:6,17 141:12,17 262:22 267:21 delinquencies 128:14 132:20
decent 134:22 142:1,12,14,18 269:4,13 15:11 139:21 185:20
d.
decide 258:21 142:24 143:15 270:15 272:21 delinquency 205:16 225:22
263:20 145:21 146:4 defendants 1:10 12:25 253:2 280:23
deciding 270:4 146:14,15,24 129:2,4 132:15 delinquent 18:9 280:25 282:7
au
decision 9:16 147:1,8 148:9 136:24 192:11 21:18 182:4 derived 144:1
70:20 93:7 149:7 150:14 207:8 261:4,16 delivered 52:14 derives 155:21
105:9 128:20 150:14,18,23 262:7 263:6,14 231:24 describe 44:8
142:4 147:14 150:25 151:17 263:15,23 delivery 169:16 50:17
Fr
258:24 260:2 151:19,24 264:9,19 265:1 232:4 describes 273:11
261:12,24,24 152:6,16,17,23 265:12 266:2,8 demand 277:6 description
261:25 262:2 153:4 154:3,8 266:10 267:9 Dennis 273:25 10:10,11
re
269:21 270:7 154:11,19,22 267:13,19 department 8:4 221:11 222:15
280:4 155:1,5,13,18 268:9,21 269:8 8:6 12:19 15:2 222:19 223:25
decisions 207:3 156:5,7,11 269:9,25
su 15:3,5,6,8 designated
238:22 262:4 157:3,21 270:10,18 38:14,15,16,18 71:25 105:20
declared 13:17 158:19 164:17 271:7,21,22 61:11 84:5,11 designed 267:10
268:6 171:24 175:11 272:8,15,17 91:23 98:20,21 267:20 268:5
clo
declined 57:9 176:9,23 177:4 defendant's 102:3 188:19 desktop 71:8
deduct 196:1 177:9 182:1,8 118:25 276:18 273:7,9 277:6
deed 81:16,16,17 188:11 204:6 defense 109:2 departments destroyed 227:4
216:18,20,21 204:11 207:8 define 89:5 87:1,3 265:5
re
217:3 261:23 209:4,13,15 defined 15:9 depending detach 252:19

deep 37:12 218:10 219:23 47:18 118:24 123:15 148:21 detail 33:12
defamation 229:19 230:9 defines 131:21 171:21 details 33:16
Fo
272:15 238:7 239:21 defining 40:5 depends 79:4,4 189:17

defamatory 242:18 244:23 47:21,23 125:4 171:18 determination
272:16 251:3 260:11 definition 30:20 deposed 6:13,14 124:14 128:18
default 13:17,21 260:18 263:16 40:7 44:12,14 16:17 46:6,14 145:18 192:5
op
48:13,22 54:13 263:16 264:19 44:15 62:24 deposited 259:8 279:14,23

54:16 85:14 265:16,22,25 definitional 44:7 deposition 1:13 determine
86:13,13,25 268:6,22 50:16 3:2 5:2,8 6:10 128:15 165:24
St
87:2,10,24 277:11 degree 27:22,24 19:2 30:11,14 169:7 214:8

89:2,2,7,13 defaults 264:10 28:2 31:6,8 32:3 253:5
95:13 96:3 266:11,22 degrees 28:4 39:11 44:2 determined
w.
102:20 118:15 267:11 DeKalb 1:1 5:6 45:11 46:4 66:16,17

118:24 124:25 defect 222:15 26:5 29:15,18 55:3,16 56:4 114:16 144:4
125:22 126:1 defendant 2:6,12 29:20 30:8 56:19 57:23 149:11 151:7
127:6,10,18,19 5:19,23 6:18 44:24 57:24 59:10,17 60:3 212:22
ww
127:21 128:3 8:17 33:24 59:10 111:10 60:6,12 98:18 determining

129:1,4,7,11 34:6,24 35:16 148:10 216:22 105:10 109:3,6 141:22
367 VALLEY AVENUE

Page 293
m
deviate 149:21 110:4,18 124:11 155:18 220:9,10,18 132:24 133:3
181:22,23 discoverable 226:18 221:3,10 146:12 155:25
deviation 217:20 55:6 104:4 divisions 87:16 230:22,23 158:23 160:9
co
deviations discovery 55:8 91:22 231:3,4,8,10 162:8,24 163:4
182:24 75:16 103:25 docs 159:7,9,23 231:14,19,21 163:13 164:10
devices 70:24 104:7 105:10 162:14 232:2,9,12,14 178:18 184:23
d.
dictated 177:24 108:6 109:1 document 30:9 232:22,22 185:19 191:20
179:5,22 110:19 113:21 30:10 31:17 233:11,13 192:22 193:5,9
difference 114:1,7,12 32:16,20 33:8 234:2 236:23 194:23 199:4
au
195:12 185:20 199:8 33:18 45:13 237:12 238:15 199:23 200:9
different 15:5 202:17 236:6 72:13,14,19,21 238:17 241:2,3 200:14,24
34:2 38:3 241:4 73:8,10,14,22 242:7,8,11 201:4,9,12,15
40:15 50:25,25 discretion 74:6,18,21,22 243:18,21 201:21,23
Fr
51:12,24,25 127:22 75:4,10,11,14 244:13 246:1,3 202:1 210:23
55:3 63:3,5 discuss 148:24 75:20,21 76:1 246:9,12,23 210:25 216:1
67:7,9 81:15 152:19 153:2 76:2,10,15,16 247:4,6 248:3 216:10 224:18
re
81:15,21,21 discussed 130:21 76:17,21 77:3 248:16 250:12 224:19,24
91:8,23,24 discussing 77:12 78:18,25 251:24 253:13 225:2,12,12,22
105:1 116:8 204:25 79:2,16 81:24
su 254:14 255:5 226:17,20,25
118:17 125:5 discussion 50:6 82:4,9,12,17 256:18,18,24 227:3,4,15,22
136:8 163:23 119:23 128:11 90:17 100:9,10 264:8 273:5 228:23 229:3
171:19 194:7 150:3 187:24 100:12 117:1,5 274:13 275:10 231:7 232:3
clo
213:19,22,25 194:17 198:21 117:8,9,21,23 276:1 278:6,16 237:13,18
214:1 247:16 121:8 122:17 278:20 279:5 240:15 243:1,3
differently 91:16 dispute 73:19 123:13,14 documentation 243:10 247:23
direct 3:4 6:5 136:17 183:25 132:21 135:9 216:25 247:23,24
re
35:2 38:21,24 235:7 279:4,6 135:11,21 documents 248:1,7 249:24

46:1,11 157:7 disputing 278:15 136:9,10 139:5 17:18 30:13,18 249:25 251:8,9
directed 69:10 distinct 40:10 146:6 153:14 30:19,21,25 252:4,7,19
Fo
228:21 distinction 156:1 159:2 31:11,13 37:5 255:5 256:10

direction 179:9 123:25 251:5 175:2 180:5 42:8 44:3,17 278:9 279:2
directives distinguish 184:24 185:7 47:5,7,12,17 document's
179:12 180:2 135:19 185:14,21 48:25 49:1,13 73:16 224:20
op
directly 10:24 distinguishing 188:15 190:9 50:12,13 62:3 DOCX 229:17

14:15 43:13 15:17 191:2,5 192:16 69:6,7,8 72:22 230:10
62:11 63:20,25 distribute 197:17,21 72:24,25 73:6 doing 21:10
St
64:5 86:10 209:11,12 198:1 199:6,8 73:11,18 74:24 25:18 58:3

146:17 191:9 distributed 199:9 202:10 75:1,2 76:5,11 59:24 107:20
191:11 209:11 234:10 202:18,24 76:11 79:11,13 109:19 114:5
w.
209:14 219:6 distributes 203:10,20,21 79:14 93:9 169:4 174:23

director 14:7,14 234:6 204:10,25 98:19,23 178:17 183:22
14:16 15:4,19 District 225:14 205:13 207:15 107:17 118:5 204:18 213:10
16:10,16 226:23 227:7,8 209:2 218:23 118:11,23 223:18 235:14
ww
disagree 111:23 227:18 218:25 219:2,3 119:1,14 238:24

disagrees 104:22 division 98:5 219:17,19 123:11 132:20 dollar 144:2,4,6
367 VALLEY AVENUE

Page 294
m
214:7 251:22 effort 134:23 43:20 71:23 endorsed 258:12 98:13 118:17
domiciled 240:20 76:14,17,22 Ends 280:23 145:2 176:21
183:17 efforts 112:12 77:1,3,18 92:1 engage 22:7 191:24 214:1
co
dominated 152:24 206:18 102:6 103:7 152:24 263:23 214:10,15
145:13 206:23 105:16 108:13 264:2,4 230:14,14
door 192:7 eight 202:6,10 114:22 133:23 engaged 59:20 239:21 245:9
d.
double-check 202:11 134:13 166:5,8 170:17 266:8 255:19
91:11 either 14:21 19:2 166:25 175:12 267:9 entries 78:24
downhill 90:10 30:19 37:22 183:11,12 engaging 59:25 162:25 163:1,8
au
dozing 211:21 38:5,10,21 186:7 187:3,4 171:23 164:14 194:6
draw 123:25 63:21 64:2 188:5,10 Engle 62:19,21 194:21 195:13
drawing 238:25 77:24 85:18 192:20 241:8 64:15 195:20 197:4
drive-by 123:21 100:8 125:9 282:11,12 enjoy 60:21 202:20 238:6
Fr
124:2 265:3 129:1,12,20 employees 36:12 enriched 271:22 238:13 239:14
dual 163:8 145:1 152:21 38:7,21 39:2 enrichment 239:15,19
due 151:23 153:5 180:10 43:3,6,7,12 271:20 245:8,10
re
171:2 257:18 197:4,6 209:1 51:6 71:19 entail 67:25 246:18
duly 6:2 281:8 209:22 219:3 78:1 79:8,21 199:17 entry 9:25 39:6
duties 279:17 242:11 245:16 91:23 99:21,24
su entails 32:13 78:20 153:18
DUVAL 281:5 266:12 270:11 102:15,16,18 enter 22:17 157:19 158:6
282:4 Eldon 186:8,18 103:1,2 107:14 35:24 36:12 158:15 159:2,3
elected 111:9 107:16 112:11 37:9 239:25 159:5 160:1,23
clo
E electrical 257:18 114:25 156:18 240:2 242:18 160:24 161:8,9
E 265:1 282:1,1 electronic 76:9 211:10,14 271:13 161:12 162:8
earlier 10:15 76:16 77:4 238:7 239:15 entered 158:7 162:13,20
15:13 63:1,2 184:19 215:25 239:19,24 170:7 189:4 164:9,11,23
re
90:14 128:25 218:1,16 240:6 242:17 197:15 271:1 166:15,24

171:10 175:4 Electronically 242:23 252:25 entering 42:15 175:9 179:18
191:16 208:10 93:15 273:23,24 240:7 183:7,9 184:7
Fo
212:12 233:22 eliminate 214:4 278:5 enterprises 184:15 186:6

236:11,25 else's 110:20 employment 145:2 149:18 186:16,16,25
239:4 240:14 employ 49:12 11:17 16:21 entire 29:23 59:1 187:2 190:4,13
245:12 250:19 52:8 62:7 18:19,23 19:18 88:4,5 152:12 192:17,24
op
266:18 63:16 170:16 20:3,7,17,19 172:8 204:24 193:13,14,21

early 14:1 16:3,5 employed 7:18 23:10 24:11 entirely 170:6 194:1,2,5,8
16:7 21:14 10:21 11:1,6 26:3 28:10 213:25 195:2,7,13,17
easier 134:16
St
12:10 17:23,24 42:25 63:5 entirety 226:20 195:23 196:15

easily 43:13 49:2 18:15 19:8 183:15 186:13 entities 129:3,12 197:2,14,16,18
ECF 228:1 20:23 23:1 206:11 145:12 197:20,21
editor 256:19
w.
65:13,16 87:19 employs 49:15 entitled 46:16 198:5,6 202:2

effect 117:18 98:22 101:21 74:12 99:15 81:9 202:4 237:21
effectively 277:2 105:13 117:25 entity 9:7 34:3 245:11 246:17
141:11 employee 7:15 168:23 40:10 76:23 environment
ww
efficiently 8:11 16:18 enabling 141:10 79:6 89:7 100:2

141:11 17:13 39:6 ended 18:22 93:18 94:13 equals 33:13,14
367 VALLEY AVENUE

Page 295
m
equity 266:12 171:16,20 140:13 157:12 208:8 factor 151:13
267:1 255:22 175:6 190:20 expertise 176:22 168:15
Eric 89:19,23 exactly 7:22 190:23 193:17 177:1 factors 171:23
co
90:10 37:14 51:17 194:2 195:21 expires 281:14 facts 257:16
error 192:13 62:8 69:5 197:6 198:23 explain 12:23 failed 262:23
222:18 123:19 200:10 199:7 202:12 33:3 44:8 263:14,23
d.
errors 222:22 212:19 245:22 202:15 203:16 50:17 67:23 269:9 270:12
escrow 174:8 247:21 274:23 203:20 205:18 77:15,22 failure 264:18
175:16 176:1,7 examination 3:4 218:21,24 108:25 118:13 fair 13:15 18:6
au
176:11 177:17 3:5,6 6:5 39:22 219:15,18 118:18 170:22 24:14 26:20
178:5,9,20 41:7,24 256:16 220:16,19 183:20 203:21 27:6 31:22
179:6 196:6,18 273:3 224:6,9 229:9 219:18 240:12 36:4 120:24
esoteric 148:14 examples 103:6 229:12 232:19 249:25 181:23,24
Fr
especially 105:15 236:20,24 explained 202:3 189:16 190:14
233:12 excellence 237:10 240:25 explains 273:8 191:21 216:2
ESQUIRE 2:3,7 276:11 241:2 242:4,7 explanation 245:16
re
2:13 exception 109:4 242:21,25 119:8 168:21 fairly 134:22
establish 151:5 excess 259:12 243:13 245:24 189:7 fall 90:19 92:16
224:20 Excuse 30:9 50:2 246:2,7,10
su exposing 213:8 133:7 137:10
established 67:15 97:11 248:20 249:15 exposé 108:10 falls 125:24
50:18 150:12 149:24 187:20 249:18 253:8 express 277:11 126:2
estimated 221:19 253:22 254:1 extend 167:16 false 262:9
clo
164:15 171:17 executed 76:1,14 255:3 273:6 extent 34:2 263:16 265:16
et 5:5 151:25 199:12 exhibits 3:10 4:1 80:17 130:25 266:11,22
event 100:25 executing 79:14 44:21 180:12 214:19 267:11 272:16
159:17 162:16 execution 79:3 exist 30:19 226:8 231:15 familiar 7:10
re
162:18 171:2,4 188:15 existing 25:25 eyes 120:5 74:11 99:8

189:23 231:12 executives 144:5 54:19 131:15 E-N-G-L-E 100:3 101:11
events 146:11 exercise 79:16 223:20 62:21 101:14,17
Fo
169:10,11 exhaustive exists 270:20 139:21 163:10

170:3,12 211:13 expanding 26:21 F 203:14 225:3
eventually 12:20 exhibit 3:12,13 expect 182:15 F 265:12 282:1 226:3 229:16
120:22 3:14,15,16,17 expedition 55:20 facilitate 160:17 229:18 230:22
op
everybody 12:20 3:18,19,20,21 56:13 57:5 facilitator 230:24 239:5,8

109:3 110:20 3:22,23,24,25 59:1 103:21 160:12 240:6 241:7,9
113:17 116:22 4:3,4,5,6,7,8,9 104:17,19 facility 8:2 26:1 241:10,13
63:21,22
St
226:2 4:10,11,12,13 105:5 234:20 familiarized

evidence 55:9 4:14,15,16,17 expense 59:11 fact 7:1 35:15,24 139:14
103:10 104:7 4:18 30:2,5 267:21 42:6 95:6 family 220:1
114:15 115:24
w.
109:1 114:8,13 32:14,17 40:23 expenses 218:10 Fannie 145:13

114:21 209:3 68:20 69:2,2 218:18 263:7 158:22 159:13 149:17 180:11
evidentiary 69:18 75:7 263:11 175:20 206:1 180:22 181:12
224:10 227:14 117:22 118:8 experienced 220:1 238:10 far 33:1 45:25
ww
exact 19:20 119:14 132:22 26:1 243:10 254:25 50:25 53:18

28:14 143:24 139:1,2,7 expert 180:15 266:17 56:12 57:18
367 VALLEY AVENUE

Page 296
m
65:24,25 68:2 149:16 151:1,7 7:15 8:11,17 275:2 finance 21:4,11
92:3 94:14 151:8,10,16,19 8:18 9:1,20 Fidelity's 31:11 21:12 23:6
108:23 110:25 151:23 152:2 10:20,24 11:13 40:3 42:21 24:10 28:3
co
121:1 146:11 154:10,11,14 12:5 28:23,25 261:25 264:4 29:24 81:1
148:23 170:19 154:15 155:15 30:17,22 31:24 field 36:25 37:1 financial 172:16
186:4 232:9 155:22,24,25 32:6 33:24,25 42:16,22 87:8 174:21 229:14
d.
243:12 273:18 156:5 206:5,8 35:17 37:24 99:8 119:16 230:6 234:7,13
FARGO 1:8 212:12,19,21 40:5,5 44:5,13 125:14,16,18 234:24 248:9
Farm 258:11 213:21 214:6 44:14 47:17,19 126:4,8 133:17 financially
au
259:7,8 214:10 217:16 47:21,23,24,25 134:4,6,8 282:14
FAS 125:15,23 223:15,17 48:2,3,4,7,18 177:1,2 240:3 find 25:3 41:16
fashion 157:24 226:8 253:19 48:20 49:4 242:9 246:14 43:19 84:14,16
172:6 226:14 253:20 262:13 50:15,18 66:13 fields 35:25 89:11 94:19
Fr
262:24 feel 34:18 47:1 66:23 67:13 36:13 98:24 140:18
fast 94:14 172:2 57:18 77:1 80:8 84:1 101:2 119:16 finds 115:19
faster 140:24 fees 52:21,23 89:3 93:21 136:12 239:25 fine 8:22 34:14
re
FC 188:20 189:5 53:4 54:5 83:9 95:3 102:8 240:3 253:1 34:20 35:9
190:2 194:24 85:1 110:23 118:17 134:21 fight 129:19 53:22 56:18
194:24 195:4 137:3,5,9 134:25 141:4
su 130:1 57:22 59:13
FCL 248:24 138:10,11 142:9,13 figure 207:15 60:1 69:13
FC_Alabama_... 142:9,13,17,19 150:10,17,20 213:4 253:5 106:19 115:23
189:25 144:13,19 154:17 157:3 258:4,7,14 116:13,18,19
clo
features 94:12 149:13 153:19 159:6 164:16 figured 213:4 119:20 130:23
February 11:20 155:12 164:13 166:5 183:11 figures 152:7,9 139:17 140:21
12:15 48:16 164:21 171:6,7 187:3 188:10 174:21 248:9 168:13 230:20
255:21,23 171:11,14,15 203:23 204:8 file 19:9 30:23 233:6 234:19
re
federal 12:9 212:8,13,17,17 212:10 214:15 37:21 41:12,17 252:18 279:9

16:18,20,25 213:9,10 215:5 220:2 224:12 42:2,9 45:10 finish 105:25
17:5,5,10,13 215:10 223:9 229:13,13 46:2 55:24 112:21
Fo
17:17,18,19,22 230:3 244:7 230:6 245:9 74:21 76:10 fire 257:18,21,22

18:24 57:20 253:25 259:22 250:25 257:12 83:6,7 93:8 261:7
61:10,18 97:21 259:24 262:8 258:1,6,16,21 154:21 160:25 firm 45:6 52:14
104:3 112:3 262:18 263:7 259:3,13,16,24 184:2,9,16,17 141:21 144:16
op
fee 52:17 54:10 263:11 267:12 260:2,10,12,16 184:18,19,19 170:16 176:18

83:17,21,23,24 267:14,15,16 260:22,24 185:8,14 177:9,13,16
85:7,18 134:5 267:23,24 261:8,13 262:3 189:21 211:24 179:14 180:3
St
136:25 137:2 268:7,12,17,23 262:13,17,25 218:1 234:9,10 182:3 223:4

138:2,4 143:14 268:25 269:2,3 263:3,10,11,17 filed 17:18 30:7 230:12 234:14
143:16,17,19 269:4,13 272:2 264:1,15,22 45:17,23 139:9 234:17,18
w.
143:22,25 279:25 265:7,18 266:5 139:23 140:1 239:14 279:13

144:1,3,10,12 Fernambucq 266:15 268:15 221:8 222:8 firms 141:11
144:17,22 45:7 140:2 269:4,12 270:3 261:16,18,23 172:17 234:7,9
145:11,15,19 Fidelity 1:8,20 270:14 272:10 files 33:13,14 234:11 275:3
ww
146:18 147:11 2:12 5:9,18 272:21 273:17 41:10,25 74:5 276:13

147:21 149:10 6:16,17,21,24 273:23,24 99:23 firm's 177:18
367 VALLEY AVENUE

Page 297
m
first 6:2 7:23 28:11 43:1 foreclosure 1:8 216:4,14,15,18 129:10 130:16
9:21,24 10:17 56:4 153:5 5:18 7:16 8:3,5 217:18 218:11 131:8 144:19
22:5,8,22 241:17 281:4 8:18 11:11 218:19 223:10 144:22 145:16
co
24:20 27:10 281:13 282:3 13:7 28:18,22 224:13 233:20 180:21 226:8
32:5 39:21 flow 65:23 67:19 29:1,11 33:25 234:8 238:1 forthcoming
41:23 44:21 67:23,24 35:17 37:23 239:9,25 244:5 252:8
d.
55:9 60:11 191:17 40:6 48:1,8,18 244:8,24 forward 120:20
86:17 87:15 flows 90:10 50:14 51:4 246:13 248:24 183:19 184:1
104:3,7 114:10 FNFS 234:6,10 53:4 61:8,13 249:9,19 228:7
au
116:12,25 focus 257:11 65:9,25 75:20 250:16,25 found 195:9
119:15 194:8 folks 27:13 78:5 79:11 252:4,7 257:13 231:21
194:21 196:4 69:22 138:17 81:6 83:8 260:17,25 four 7:20 20:21
197:16 219:8 159:13 277:1 85:10,13 89:4 261:16,18,20 22:11,13 27:5
Fr
219:10,21,22 follow 182:15,20 92:2,13,17 261:21,23 27:19 90:15
220:1,11 221:4 214:8 217:19 93:8,13 98:20 262:20 265:17 110:25 111:1,3
222:8,17,25 250:9 102:3 112:12 266:4 267:7 fourth 90:22
re
237:1 243:23 followed 179:9 114:17,19,24 268:11 269:1 frame 169:16,18
247:23 252:13 following 164:14 131:11 136:22 272:9 277:17 169:19,20
266:15 273:6 195:3 257:21 141:9 143:6,10
su 277:20 280:2 frames 170:3
FIS 71:8 277:11 262:21 144:17 145:11 foreclosures frankly 8:22
277:13 follows 6:3 146:5 149:8 54:2 94:15 137:24
Fiserv 50:24 forbearance 150:15,19 96:25 112:10 Freddie 145:13
clo
51:13,15,23 13:3 151:3 152:8 144:25 179:14 149:18 180:11
52:5,13,16 force 20:12,14 153:6,8 154:6 foremost 104:8 180:22 181:13
62:9 128:16,18 154:10,21,21 form 31:20,22 free 34:18 47:1
fish 232:23 133:3,7 261:5 154:25 155:7 32:9 33:18,22 93:20,23 95:10
re
fishing 55:20 262:10 265:12 155:14,22 36:19 37:10 95:18 104:23

56:12 57:5 265:18 156:12,23 39:23,25 40:24 Freedom 5:11
59:1 61:1 forced 137:19 157:1,4 158:16 41:6 44:4 47:9 friends 29:17
Fo
103:13,21 261:9 271:23 160:8 161:5 49:6 50:13 front 57:16 61:6
104:17,19 foreclose 69:21 167:5 169:16 52:19 61:20 225:9 236:7
105:5 234:20 80:4,11,16,23 169:17 170:15 76:9 79:17 250:8,11,13
five 7:17 12:11 81:5,9,18 93:4 170:17 171:24 87:22 164:14 261:2 275:9
op
25:20 43:11 96:1 148:10 173:12 174:10 171:9 226:14 front-end 13:13
110:25 111:1,3 162:1 182:4 176:14,19,22 234:8 254:7 13:15 15:14
193:1 245:7 191:25 223:16 176:24 177:4,5 255:1 268:24 16:5
St
255:25 259:4 223:22 261:24 177:11 180:3,9 270:19 272:24 FS 245:8

fixed 148:21 262:1,5 266:2 186:17,18,20 format 119:5 full 129:10 165:6
flat 144:10 151:8 266:5,11,14 186:21 187:7 218:4,8 184:10
w.
206:5 272:10 187:14 190:1,2 forms 37:1 39:8 fully 118:14

flip 238:12 foreclosed 209:9 194:25 201:1 39:24 function 13:12
floor 74:4 266:3,25 203:23 205:23 forth 47:16 15:9 94:20
121:18 272:13 206:17,23 53:12 54:5 170:11 209:24
ww
Florida 1:21 foreclosing 207:9 209:7 66:8,12 68:12 232:3

5:10 16:23 83:25 95:11 215:6,11,17,20 74:20 85:25 functions 73:7
367 VALLEY AVENUE

Page 298
m
97:6 232:11 236:17 86:14 96:10 147:11,20 137:15 223:19
funds 156:6,12 generate 33:16 97:18 98:14 148:12 149:9 233:18 243:6
176:10,16 generated 104:18 109:22 157:10 164:1 244:19 248:21
co
178:23 187:13 185:15 212:10 111:5 113:18 178:6,16 271:17 280:6
196:5,18 gentleman 165:9 115:9,23 118:4 187:18 190:22 guesstimation
262:23 263:4 geographic 119:17 120:19 199:3 210:13 20:22
d.
funnel 77:24 91:18 121:2 124:6 210:14,22,24 guesswork 249:3
further 227:17 Georgia 20:8,18 140:4 146:8,17 213:7 218:12 guidance 56:15
282:10 23:11,12 26:6 146:20 148:10 224:15,23 guidelines 66:8
au
fuss 210:16 26:17,18 27:17 148:17,24 225:11 226:19 66:12,15,17,23
fussing 59:15 28:8 153:15 161:20 227:21 230:16 67:7 145:1
228:13 getting 122:18 163:11 168:16 230:17 232:23 179:12 180:12
future 136:2 130:9 145:9 171:3 174:18 232:25 234:15 180:21 181:9
Fr
171:20 164:2 184:8 177:25 184:4,6 235:21,22,24 181:12 182:15
F-I-D-E-L 245:9 244:25 194:13 196:10 236:14 247:22 182:18,20
F-I-S-E-R-V give 17:9 33:18 198:5,12 248:12 256:11 Gulf 61:2
re
51:15 68:23 97:7,25 210:22,24 256:14 260:22 guys 9:1 113:9
F119 164:13 113:15 137:18 226:11 231:4 276:9 207:21 245:1
171:9 138:6 179:22 247:15 251:24
su good 171:21 254:25
216:13 227:21 goal 13:6,8 goods 21:7
G 255:25 268:11 goes 65:25 77:22 Gotcha 161:21 H
gain 230:2 given 6:10 33:21 94:15 249:22 gotten 110:2 hac 45:2
clo
game 110:3 36:20 40:6 going 31:7 33:17 govern 279:12 half 12:11 15:23
Gardere 2:13 108:23 155:14 34:3,3,12,16 governed 145:12 27:4 28:23
gather 43:13 169:8 172:17 34:18 35:1,4,5 180:10 204:23
59:2 109:20 172:21 180:2 40:9 42:16 government hand 140:22
re
gathered 59:5 233:12 258:14 43:18 44:9 145:1 149:18 202:15 244:22
general 13:8 giving 57:6 46:20 47:9 graduate 28:6 254:5 281:9
90:19 107:14 138:3 48:23 50:7 grand 61:6 handed 48:25
Fo
130:14 138:7 glad 107:23 53:9 55:19 granted 45:2 274:13

145:11 149:5 228:8 56:12 58:8 greater 175:16 handle 8:7 63:11
180:19 183:24 glam 205:8 59:6 60:23 176:2 177:17 64:21 91:8
225:4 257:11 glaring 88:19 68:22,23,24 179:7 125:10
op
generalities go 13:21 14:4 69:1,13 74:23 grew 27:18 handled 28:20

108:18 18:24 20:6 84:17,18 97:19 ground 165:2 131:11 194:14
generalization 25:16,18 27:10 98:8 103:9,13 184:14 handles 37:21
144:24 hands 280:7
St
27:13,14 31:3 104:18 105:4 grounds 113:24

generally 13:6 39:7,10 41:15 106:13 108:18 116:9 259:10 Hang 188:4
81:9 83:1 43:17 44:9 108:24 110:3 group 18:16,17 happen 191:17
103:20 143:3 happened
w.
47:2,15 53:11 110:13 112:24 19:9,13 68:11

152:25 153:2 55:20 56:12 112:25 113:1 98:6 220:2 114:18 213:14
180:5,10 57:16 58:25 115:14 120:9 grow 27:17 happens 84:3
181:11,17,21 61:1,20 68:7 122:18,25 guess 21:14 129:23 154:13
ww
181:23 182:1 68:24 72:22 130:11 131:7 101:9 123:18 happy 56:13,21
182:20,22,23 77:10,16 83:4 139:5 145:18 126:20 135:2,4 60:25
367 VALLEY AVENUE

Page 299
m
harassing 55:21 234:24 275:3 276:11 H&R 200:4 IDs 163:17,17
104:16 108:20 higher 86:23 hope 60:21 246:5 II 269:7
111:25 169:3 hour 60:11 illegal 262:9,21
co
harassment highest 172:21 111:2 I 268:22,24
57:18 112:8 172:24 hours 211:21 ID 158:16,22,23 269:2 270:12
harnessing 94:9 highlighted house 69:21 163:18 193:5,9 271:23
193:16,18,24
d.
Harris 226:21 140:8,23 124:3 165:2,4 illusory 95:19,21
227:6,8,9 204:14,21,22 184:13 194:7 195:3,19 image 72:3,4,5,9
hate 88:25 274:7 221:17 Household 197:3,17 242:3 117:15 158:23
au
hazard 101:9 highlighter 24:10 25:22 idea 133:22 160:9 163:5,9
head 10:19 204:14 Houston 2:15 163:15 228:10 191:6,12,13
15:22 18:21 Hill 20:13 HUD 161:15 239:17 246:16 193:5,9,18
38:9 49:16 hire 53:3 142:1 Hughes 226:24 246:17 249:10 195:19 197:3
Fr
52:12 84:7,13 148:8 226:24 227:18 249:11 imaged 72:23
87:12 88:11 hired 8:12 12:16 Hughes's 227:19 identification 159:7,9 162:14
93:1 117:12 12:18 13:11 Huie 45:6 140:2 30:3 32:15 231:21
re
143:23 166:12 24:23 176:17 Humphrey 80:4 69:19 134:19 images 44:3
189:2 208:20 hires 191:18 80:8,10 93:3 139:3 140:14 49:13 50:12
209:21,23 history 33:13,14 129:2,5,16
su 190:21 198:24 74:13 98:23
235:3 250:20 33:14,14,19 131:11,16 202:13 203:17 133:16 134:7
276:3 41:10,12,12,17 132:12 142:2 205:19 212:1 153:22 161:11
heading 184:16 41:18,25 42:2 143:13 144:11 218:22 219:16 190:17 207:25
clo
headings 172:14 42:2,9,9 121:7 145:21 146:15 220:17 224:7 255:7
heads-up 98:1 121:15 253:11 146:17,20 225:4 229:10 imagine 243:7
hear 12:20 51:2 hmm 69:21 151:21 153:13 232:20 236:21 imaging 72:4
73:2 116:5 hold 7:21 14:12 158:17,24 237:11 241:1,6 117:13,24
re
119:10 218:13 113:11 226:19 160:8,24 161:4 242:5,22 118:20 122:20

225:19 229:13 235:23 162:23,24 243:14 245:25 123:13 159:10
heard 6:8 23:5 holder 272:12 169:25 194:1 246:8 249:16 159:22 163:6
Fo
hearing 227:14 holding 187:13 198:2 200:25 253:9,23 254:2 190:16 194:23
hearsay 130:12 268:8,13,18 205:24 206:8 255:4 197:5,21
Heights 63:21 holds 86:23 206:11 223:2 identified 201:17,19,23
64:2 188:12,13 Holt 2:19 5:11 239:14 245:7 162:10,11 202:21 205:1
op
252:3 home 13:7 63:18 245:18 249:20 195:9,20 207:22 219:4,5

held 8:10,12 217:6,13 249:7 250:23 201:22 211:25 immediately
9:19,22 11:7 257:18,19 Humphrey's 224:5 242:3 195:2 257:21
248:20
St
14:14 16:13,25 261:6 265:5,5 144:16 164:13 implicate 279:17

24:1,4 196:5 267:22,24 164:19 192:23 identify 5:12 implicated
help 65:24 268:6,11 269:1 196:1,9 197:23 100:23 158:23 120:15
199:4 210:25
w.
143:20 homeowners 279:13 implication

helps 119:9 261:5,9 265:13 hundred 251:22 254:24 120:25 228:20
hereof 221:2 265:19 hurdle 104:3 identifying imply 228:19
hey 21:20 honest 25:11 hurry 211:6 135:16 213:10 implying 228:16
ww
high 28:6,8 137:25 254:21 hypothetical identity 73:16 import 173:10

184:1 234:14 honorable 105:17 214:9,12 important 191:2
367 VALLEY AVENUE

Page 300
m
impose 269:3 4:1 248:23 250:9 153:11 157:20 inquire 41:2
imposed 226:24 India 241:11 252:2 253:10 164:15 166:21 136:7,13
imposing 268:7 indicate 32:25 indicating 77:17 173:11,14,18 177:17
co
268:22 269:2 33:18 36:19 78:21 161:3 173:23 174:5,6 inquiry 41:2,6
impossible 73:18 76:23 195:8,25 174:7,12,20,24 41:10,23 42:4
191:25 78:6 100:16 231:20 236:25 175:23 176:5 45:24 50:10
d.
improper 101:2 123:6 indication 177:22 179:23 74:9 81:20
262:21 271:25 126:14 137:8 175:25 196:4 187:8 190:17 109:2 122:2
inaccurate 30:20 141:4,14 221:13 242:1 191:20 192:19 133:15,20
au
205:10 235:19 142:13,17 individual 196:22 201:24 134:2,6 135:15
incentive 172:16 150:25 161:11 132:14 210:6 211:11 insert 181:14
172:23 233:23 165:2,8 170:21 individually 212:4 214:5,11 insinuated
234:4,7,12,13 175:14 176:6 6:23,25 132:25 215:12,14,24 275:15
Fr
274:12 180:1 185:2 individuals 1:4 216:8 218:17 insisting 259:2
incentives 173:4 190:24 193:24 63:15 208:14 230:2 240:7,17 inspection
233:25 234:24 208:5 220:10 industry 8:25 240:22 250:3 122:16 124:2
re
235:1 274:14 221:3,10 180:8,13,21 254:19 255:15 124:18 126:15
274:24 275:3,4 222:11,14,22 181:10,21 261:21 272:18 217:17 242:12
include 41:10 250:22,24 182:21,23
su 272:19 273:10 242:14 244:6
141:21 185:23 253:12 204:5 205:9 273:15,17 244:10 245:14
185:24 227:1 indicated 28:16 226:3 274:3,4,12 inspections
included 30:14 47:10,11 93:17 inferred 238:23 275:6 276:1,18 122:10,15
clo
92:12 141:15 94:5 126:14 info 167:1 276:20 277:15 124:6,9,22,24
193:9 133:13 139:20 inform 165:15 277:21 278:2 126:6,7,9,14
including 104:2 141:20,25 information 278:13,16 127:20 244:17
107:14 122:11 142:4,7,24 33:7 37:9 279:3,11 265:4,4
re
131:21 147:19 150:17 151:7 38:11,17 41:19 information's instance 169:15

154:14 262:9 168:24 177:18 42:16,22 43:5 33:4 instituted 272:8
262:14 193:18 196:17 43:14,21 49:14 informed 257:22 instituting
Fo
inclusive 282:8 197:2 208:10 59:2 67:20 inherited 165:12 265:16

income 155:21 212:13 216:18 68:4,9 70:13 initial 101:20 instruct 57:19
Incorporated 222:7 233:25 71:21 76:5,10 172:3 190:6 111:22,24
18:2 274:13 76:17 81:14 initially 259:1 112:2 113:6,19
op
incorrect 204:20 indicates 33:1 88:13 93:15 initials 117:17 115:8,15 120:9
205:3 235:20 159:4 161:14 94:10 96:19 initiate 157:4 164:1,6 217:15
272:20 274:9 162:8,13 97:7 99:22 initiated 33:14 235:25
St
increase 154:4 164:12 183:8 101:6 109:21 initiation 216:14 instructed 110:6
267:13 268:9 183:19 184:15 110:2 119:1,2 initiative 70:19 110:24 116:11
incur 59:12 186:6,17 119:5 122:8,12 initio 266:4 instructing 56:7
w.
incurred 144:19 187:12 190:5 123:7 127:14 injury 268:23 59:22 103:15
171:7 218:10 194:9 202:23 132:18 133:24 input 134:20 103:17,19
218:18 212:9 222:24 134:4,13,20,24 262:3 108:21 109:13
independent 224:2 226:7 135:6,16,17 inputted 100:24 112:15 227:23
ww
206:10 235:5 237:7 143:20 146:9 135:17 169:12 instruction 57:9

INDEX 3:1,10 241:4 243:21 152:18,20 inputting 211:11 113:22 130:3
367 VALLEY AVENUE

Page 301
m
instructions 191:19 210:23 255:14 166:1 179:3 judgment
59:19 113:14 intermediate 255:16 210:15 213:7 280:16
180:2 186:19 14:16,18 invoiced 126:16 222:25 223:5 judgments
co
197:1,10,16,23 internally 81:25 invoices 118:7 225:17 234:16 111:15
197:24 198:3,5 82:8 122:11,13,17 259:7 July 9:11 221:7
217:19 250:4 interpret 44:19 126:13 145:22 issues 51:3 61:25 237:2 244:11
d.
251:15 112:7 246:14 146:23,25 62:4 68:6 244:11,18
instrument interpretation 153:25 208:6 69:10,20 94:17 June 1:18 5:8
161:17 202:21 182:19 212:9 245:17 98:6 175:19 39:14 45:15
au
203:8 interrogatories 245:19,21 176:23 214:4 158:17,24
insurance 69:22 7:6 205:15 255:10,17 229:23 232:25 159:6 166:3
70:3,11 128:16 206:15 211:9 invoicing 153:16 233:8 276:21 169:23 175:9
128:19 133:3,7 interrogatory 205:2 207:21 item 118:11 183:7 193:13
Fr
165:3 166:21 212:8 216:19 207:22 122:6 211:10 193:21 195:13
167:2 175:21 interrupt 112:22 involve 65:4 213:2 220:15 221:16
177:19 184:11 260:6,7 106:21 186:23 items 68:6,7 222:15 242:16
re
196:2 257:23 interruption involved 9:16 124:10,10 246:22 250:14
261:5,9 262:10 89:25 142:20 25:1 29:24 141:16 212:24 281:10 282:15
262:11,15 145:4 162:17 45:4 56:21
su 273:11 jurisprudence
265:13,14,19 194:11 198:18 73:22 79:6 iteration 72:14 105:1
266:13 267:6 201:18 211:16 84:8 109:3 it'll 8:21 57:23 jury 61:6
integration intervening 112:9 129:22 IV 271:4,5 Justice 61:12
clo
277:6 223:21 134:23 211:11 justification
intend 69:16 introduce 6:8 211:14 273:19 J 263:9
intended 264:17 investigation involves 166:4 Jacksonville JX050 248:23
intent 161:23,24 17:6,10 61:11 193:23 1:21 5:10 8:2
re
intention 161:25 61:18,24 involving 17:19 28:11,12 43:1 K

intentional 240:16 108:4 114:18 56:3 57:25 Karen 1:4 5:3
267:20 investor 77:25 193:22 224:16 63:16,17 153:5 75:3 164:12,18
Fo
interacting 74:5 209:17,22 225:15 166:10 241:17 183:23 195:25

211:12 210:10 268:12 in-house 28:20 248:23 196:9,22
interaction investors 263:25 29:10 103:5 James 63:9 keep 13:20 56:19
186:10 241:5 264:2,5,21 irrelevant 55:10 64:16 58:3 96:15
op
intercom 183:20 268:8,18 57:5 59:4 January 278:20 103:13 112:17

183:23 195:24 invoice 82:19,20 104:13,16 JAX 249:9 118:16 179:20
interest 199:19 82:22 83:3,5 108:20 112:1 Jeff 89:24 90:9 kept 120:13
job 22:22 24:7 key 101:11
St
199:20 83:10,11,16 120:12 214:19

interested 84:19 84:1,3,4,9 85:1 issue 55:21 25:1,18 27:10 170:12
210:5 213:8,10 85:3 90:17 56:10 67:12 60:3 65:4 kind 58:1 80:7
181:7 81:12 239:23
w.
282:14 118:3,5,21 69:23 70:4,8,9

interesting 79:7 122:23 126:18 70:10,11,15,16 Jr 1:3 2:7 5:3 257:9 272:22
interfere 60:5 135:21 145:22 78:12 103:11 Judge 225:7 knew 228:24
interfering 153:13,22 108:12 115:1 226:23,24 229:2 265:5
ww
59:17,18 60:7 207:24 208:8 130:8 164:24 227:17,18 268:21

intermediary 208:15 209:2 165:19,22,25 236:6 knocked 203:19
367 VALLEY AVENUE

Page 302
m
know 18:22 173:25 174:1 65:13 101:18 199:8 207:4 252:18 260:9
26:24 29:14 175:23 176:4,8 260:16 268:21 275:23 271:10
31:21 32:9,11 178:11 180:7 273:8 lead 15:1 55:7,8 level 39:6 278:6
co
32:12 36:2,16 181:1,4 182:11 knows 147:10 104:6 114:7,12 levels 167:18
37:18 38:1,5,9 182:16 183:2,3 175:25 226:2 leader 12:18 170:20,21
38:11 39:5,9 183:14 186:13 KSS 248:19 14:9,15,21 171:6
d.
39:23,24 41:19 188:25 189:2 249:4 208:17 library 189:17
42:14,18 43:15 189:14 191:10 Kumar 202:2 learn 167:24 lien 220:11
45:25 49:8,10 192:3 193:20 learned 81:20 229:22 237:1
au
49:16,24 52:7 204:9 208:4,9 L learning 25:2,5 liens 223:20
52:12,20 58:1 208:19 209:20 L 2:18 101:18 259:7 lies 58:14 106:6
59:8,9,24 212:25 213:1,3 label 251:14 leave 10:23 life 29:24 121:7
60:21 73:9,17 213:13 214:20 labeled 184:25 69:13 274:1 121:14 213:11
Fr
73:20 74:3,5,8 215:4,8 216:3 254:3 255:6 leaves 239:23 254:4
75:14,17 80:18 217:9,11,14 lack 25:13 leaving 11:16 limit 103:24
80:20,25 81:9 219:2,11 220:7 lacked 266:2 12:6 15:23 109:2 111:22
re
81:19 83:24 223:19 224:21 lady 166:20 196:3 257:19 limited 19:12
84:7,12,18,18 226:11,14,16 190:4 ledger 253:20 109:13 120:12
84:23 85:2,2 226:17 228:4 land 165:11,12
su left 16:14 27:7 156:25
85:11,17 86:2 230:11,13,15 larger 195:4 150:8 193:16 line 38:21 41:9
86:4,6 87:5,12 232:6,11,17,17 Larry 1:3 5:3 legal 55:12,17 67:12,16 94:15
87:17 88:10,21 233:5 235:3 75:3 80:18 103:23 179:4 188:6
clo
90:3,8 91:15 237:24 238:9 late 16:2,8 24:13 141:16 180:15 198:2 249:1
93:1 94:16 239:13,24 law 141:11,21 192:2 207:3 279:8,8
97:8 100:7,20 240:2,3,11 262:12 263:8 221:11 223:24 lines 66:8 67:9
101:4,5,10 241:16 242:13 266:4 263:8 94:16 216:15
re
105:8 106:6,11 242:17,20 Lawler 2:7 5:21 Lender 9:6 list 74:13 211:10
111:4 112:8 244:6,7 245:12 5:21 80:6 48:10,21 63:24 211:13 242:23
121:14 123:10 245:22 251:9 129:13,20,25 lending 17:6 276:13
Fo
125:16 127:1,2 254:22 255:18 130:6,13,23 lend/collect 25:6 listed 243:24

127:6 128:2 255:22 260:7 280:14 letter 161:25 listening 135:13
130:25 133:9 274:2 278:12 lawsuit 17:19 214:17,17 litigation 7:10
133:11 134:1 278:22,23 44:24 45:4 220:14 221:17 17:14,19 19:3
op
134:14 136:17 279:1,20,22 47:24 53:12,13 222:16 250:16 19:6 139:21

138:3 143:23 knowing 261:6 59:2 61:1 letters 222:4 228:24
144:11,14,15 knowledge 108:5,6,7,9 236:25 little 34:4 37:13
115:2 164:5
St
145:20,24,24 49:13 52:9 letting 112:21 134:16 140:24

146:3,19,21,23 126:12 228:18 167:22,23 let's 53:16 79:24 181:6 189:3,4
147:5 148:11 272:19 234:17 100:19 104:15 204:23 212:11
lawsuits 19:10
w.
148:15 149:8 knowledgeable 107:9,11 233:22 247:16

149:23 153:25 73:22 84:20 lawyer 69:25 113:16,18 253:16
153:25 154:1 105:18 240:11 70:2,2 96:1 125:23 173:17 live 19:2 27:14
161:15,21 known 18:3 48:8 119:13 256:13 178:14 198:12 29:15
ww
162:5 163:16 48:19,20,20 279:7 198:17 221:21 LLC 131:11

166:13 168:2 49:3 51:19 lawyers 95:22 229:5 252:15 229:17
367 VALLEY AVENUE

Page 303
m
LLP 2:8,13 locate 105:16 242:24 243:5 48:20,22 49:15 132:10 133:7
loan 31:11,14,25 112:11 195:8 246:25 274:8 49:20 50:19,22 133:23,25
33:12,15,15,21 located 16:21 looked 133:1 51:5,6 52:22 134:12 141:6,7
co
36:20 37:21,22 20:17 26:4 163:9 230:18 54:1,3,10,12 141:17 142:1
40:16 41:16 28:10,13 42:25 256:9,18 54:15 61:7 142:12,14,18
42:1,16 44:6 63:16,17,18 looking 11:23,24 62:24 63:20 142:24 143:15
d.
44:20 47:8 159:9,10 116:25 140:17 64:6 65:13,16 145:21 146:4
49:5 50:15 184:17 219:3 146:1 168:20 67:16 69:21 146:14,15,24
68:14 69:22 231:19 241:16 188:6 191:9 70:15,19 71:16 147:1,8,10
au
70:2,5 71:24 location 20:11 210:7 278:8 71:18,23 72:5 148:9 149:7
74:14,21 75:4 22:3 26:19 looks 32:24 72:10 74:12 150:14,18,23
75:10,15 83:6 49:25 115:1 187:1 202:1 76:14,22 77:4 150:25 151:17
93:8 96:1,9,15 166:13,16,17 219:20 222:4 77:18 78:2,20 151:19,21,24
Fr
103:13 108:15 locked 36:24 226:6 233:16 79:8,21 82:14 152:2,6,15,17
115:2 117:21 lodge 44:10 233:16 237:2 82:17 83:17 152:23 153:4
121:7,14 123:5 log 42:7 243:7,8 242:9,13,13 84:8 85:8,9,12 153:10 154:3,8
re
128:17 133:4 logs 99:9 237:15 243:25 244:19 85:14,16 86:13 154:11,19,22
134:21 137:1,3 239:7 240:17 245:5,8 246:4 86:21,23 87:1 155:1,5,13,18
137:5 141:18 240:19 246:5,20 248:5
su 87:4,19,23 156:4,7,10
141:23 143:1 log-in 36:25 249:22 253:24 88:15,18,22 157:3,21
143:14 144:7 163:19,23 253:24 274:6 89:1,1,2,5,5,7 158:19 159:16
150:12 153:1 long 7:14,18 274:10 276:19 89:13,21 92:1 164:16 165:22
clo
153:24 155:14 11:1 12:10 277:1 93:6,11,13 171:24 174:10
157:16,20 13:23 22:10 loss 11:11 12:19 94:2,3 95:3,8 175:11 176:9
173:11 174:6,7 23:24 25:10,12 12:22 13:6,7 95:12,12,14,15 177:9 182:8
176:12 178:15 26:7 27:2 13:10,20 14:4 95:16,19 96:3 183:12 187:4
re
178:20 182:3 60:22 145:13 14:5,6,13 15:4 96:4,10,10,23 188:10 196:10

184:10 211:12 211:20 229:3 15:6,20 16:9 97:1 98:22 203:25 204:6,8
211:14,24 256:6 260:9 16:17 28:17,22 99:22,24 102:6 204:11 205:24
Fo
212:2 215:15 276:13 184:1 242:18 102:14,20 206:1,8 207:8

217:18 241:6 longer 9:2 257:7 263:23 264:2,4 103:7 105:13 209:4,12,15
254:4 259:23 273:25 274:14 264:20 268:25 105:18,24 211:10,13
259:25 260:4 look 30:9 47:5 lot 78:9 94:9 106:21 108:4 212:12,16
op
262:11,14,18 68:7,25 86:15 109:8 115:14 108:13 117:25 215:4 217:24

264:24 265:25 117:13 124:6 131:7 257:10 119:13 122:4 218:10,15
268:2 271:11 138:14 139:18 lots 31:7 124:24,25 219:23 229:14
St
271:14 272:10 140:9,22 Louisiana 2:14 125:2,10,18,19 229:19 230:9

loans 21:7,17,19 145:18 159:22 love 109:23 125:21,22,22 238:7,20
21:24 22:2,5 161:19 190:23 lower 169:4 125:24 126:1 239:15,18,21
w.
49:2 73:6 200:23 201:22 LPS 2:18 9:3,13 126:21 127:4,6 241:8 242:9,18
141:12 177:10 205:21 211:6 32:8,22 35:18 127:10,18,19 244:23 249:5
209:21 218:2,6 220:8 225:2,5 36:3 37:8 38:7 127:21 128:3,5 249:12 251:2,3
277:13,19,20 226:13 228:8 39:2 40:10,12 128:23 129:1,4 253:6 254:17
ww
local 43:17 45:3 235:17 238:15 40:13 41:16 129:7,11,17 255:19 260:11
97:20 203:3 240:24 242:6 47:22 48:13,13 131:12,14,16 260:18
367 VALLEY AVENUE

Page 304
m
LPS's 32:19 68:11,15 70:23 241:21,25 222:4 224:6 188:23 189:8
40:17 88:12 71:4,7,12,19 242:2 247:4,6 229:9 232:19 207:10 211:5
97:2 102:19 71:22 72:13,14 248:3,4 255:14 236:20,23 211:20 214:23
co
127:15 158:13 72:20,21 73:8 255:16 273:7,9 237:10 238:13 224:19,21
212:1 73:10,23 74:6 277:12 278:1 240:25 241:2 225:5 226:16
LSI 126:25 74:18,22 75:11 manager 14:21 242:4,21 228:25 234:17
d.
127:1,8,12 75:21 76:2,16 15:2,3,19 243:13 244:13 248:23 260:6
lunch 118:6 78:6 81:23,24 18:16,17 22:18 245:24 246:2,7 264:15 265:6
123:1 150:4 82:5,6,9,10,11 22:19 24:5 246:10 249:15 268:15 269:3
au
190:16 245:20 82:12,17,18,19 25:21 26:1,8,9 249:17 253:8 275:21 279:24
255:7 82:21,22 83:3 26:10,12,15 253:22 254:1 280:19
lunchtime 83:10,11,16 27:3 49:17 255:3 meaning 189:17
252:23 84:1,3,5,9 85:1 84:11 208:11 market 145:13 means 13:1
Fr
Lynn 226:23,24 85:3 90:13,17 208:13 176:21,25 50:19 65:10
90:18,18,20 manages 65:5 marking 69:4,16 169:3 246:17
M 92:10,16 94:24 141:8 154:6 Marques 183:8 249:1,10
re
Mac 180:22 95:1,4,7 100:9 managing 19:9 marriage 29:15 meant 190:2
Madam 69:15 100:9,10,21,23 19:12 176:24 Martisek 64:20 measure 66:4
203:18 101:2 102:21 264:10
su 64:22 73:21 169:4 170:20
Mae 180:11,22 102:23 117:2,5 Mankato 153:5 90:24 91:3,12 171:22
mailed 258:10 117:8,10,23 166:11 91:22 measured
main 172:14 118:3,5,19 manner 192:16 Mary 187:2 167:20 171:13
clo
maintain 14:8 122:23 124:17 manufacture match 131:25 measurements
143:20 209:15 124:19,20 267:11 matches 253:15 170:19
majority 112:9 126:18 135:1,3 manufacturing materially 55:5 measures 170:2
making 21:15,16 135:7,10,12,21 268:22 matter 5:3 42:15 170:16 172:14
re
22:7 45:12,20 135:21 136:5,9 March 10:7 43:14,15 59:4 mechanism 68:2
45:21 46:10 136:10 142:8 48:16 258:9 74:23 106:24 167:11 168:24
55:12,17 56:6 145:22 146:7,9 Marietta 20:11 178:4 184:9 212:1 215:25
Fo
56:8 59:19,19 153:15 156:16 mark 68:22 69:1 ma'am 116:20 231:5
60:8 104:4 157:11,16,21 190:22 235:14 MB 162:3,5 mechanisms
116:12 145:8 163:8 170:7,11 251:15 McClary 1:22 100:22
231:25 236:10 171:12 173:10 marked 30:2,4 281:6,13 282:5 medium 44:4
op
malicious 174:11 177:5 31:1 32:14,17 282:18 50:14

267:20 184:20,24 68:19 69:18 McNamee 187:3 meet 6:9 94:14
manage 8:2 65:8 185:18,21 75:5 116:25 mean 12:21 208:24
65:24 81:5
St
194:3 198:1 119:14 132:21 50:25 77:23 member 75:18

141:11 180:4 201:7 205:1 138:22 139:2,6 79:22 82:1 90:22 96:11
264:19 280:2 207:24 208:9 140:13 190:20 89:10,11 93:20 97:2 188:14
managed 13:13
w.
208:15,22 198:23 199:6 94:14 95:20 members 64:16

management 8:3 209:2,2,2 202:12 203:16 102:1 112:17 64:18 66:13
62:13 64:9,17 210:23 219:4 203:20 205:18 125:21 130:25 95:3
65:3,20,22 230:23 231:8 218:21,23 144:1,18 158:6 Mendota 63:21
ww
66:2,3,8 67:19 231:11,16,20 219:15,17 162:4 168:12 64:2 188:12,13

67:21,23,24,25 232:2,9 238:10 220:16,18 172:12 184:18 252:3
367 VALLEY AVENUE

Page 305
m
mention 27:9 255:25 monthly 85:4,6 259:21,22,25 100:4,5,6,7,19
79:7 misinformed 85:7 260:4 262:8 101:3,15,20
mentioned 20:16 34:11,12,15 months 11:3,4 267:12 268:9 102:19 118:15
co
63:2 91:2 misrepresent 11:16,19,21 268:13,18 119:3,16 121:8
118:4 131:10 275:22 23:25 28:24 270:19 271:1,9 133:14 134:6
131:13 171:9 missing 230:22 29:2 258:5 279:17 135:22 136:12
d.
198:7 266:17 231:10 morning 25:4 mortgagee 142:16 156:19
mentions 276:4 mistakes 168:15 39:18 40:21 165:16 156:22,24
276:11 misunderstood mortgage 1:7 mortgages 22:6 173:12,18,23
au
merely 216:8 116:7 2:6 5:4,22 22:8 213:24 215:21
merger 33:16 mitigation 11:11 10:22 17:7 MortgageServ 237:15,24
mess 159:13 12:19,22 13:1 22:2 37:16,20 51:13 238:6,11,17
message 183:21 13:6,10,20 51:1,20 53:3 mortgaging 239:5,19,25
Fr
195:24 196:21 14:4,6,7,13 54:12,15,19 51:21 266:9 240:8,23
method 186:2 15:4,6,20 16:9 75:19 77:2,8 mortgagor 242:19 243:3
MICHAEL 2:13 16:17 28:18,22 78:2,4,11 80:1 180:24 264:11 243:11 245:2
re
microphone 184:1 242:19 80:13,24 264:20 246:19,20
203:19 263:24 264:2,5 127:11 141:12 mortgagors 248:5,19 253:1
mid 16:8,8 24:13 model 152:13 143:1 150:12
su 267:21,24 253:20 277:11
Middle 234:2 168:23 153:6 156:13 268:23,24,25 277:13 278:1
might've 240:22 models 21:14 157:5,8,20 motion 75:25 multivarious
Mike 5:17 30:16 modification 159:11 161:9 139:23 177:7
clo
84:14 105:8 13:3 162:9 165:5 motivation 9:13 muscle 211:18
106:15 107:20 modify 181:20 166:7 173:15 move 15:18 M-A-R-T-I-S-...
111:4 115:6 module 169:11 176:12,17 140:24 199:3 64:25
140:15 144:24 171:12 177:19 178:10 214:20
re
167:24 210:5 modules 38:3,23 178:24 180:6 moved 15:4 N

213:7 225:4 39:1 70:24 180:20 181:10 Moving 188:3 name 5:11,15,17
228:1 238:24 81:25 204:11 182:3,8 186:7 MPS 118:16 5:21 6:7 18:1
Fo
246:25 239:5 200:4,5,10 MSP 29:4,7 48:11,15 62:21

Mike's 140:22 moment 50:3 202:16 203:11 31:20,22,24 65:18 72:6,18
mill 114:17 140:9 206:18,24 32:19,21 33:20 82:2,20 87:11
Milton 28:8 moments 43:14 207:10 217:4,6 34:7 35:18 90:25 107:17
op
mind 96:6 43:16 217:16,22 36:14,25 37:9 117:9,16

mine 110:21 Monetary 173:3 219:1,9,13 37:15,16,21,23 173:16,21,22
Minnesota 49:25 money 109:8 220:11 221:4,5 38:2,6,23 39:7 173:25 174:3
183:8 203:25
St
64:3 153:5 143:11 148:21 221:6,12 222:8 39:25 40:1,12

minute 110:17 150:18,23 222:25 223:5 40:13,16 41:6 204:5 210:1,2
116:15 128:9 154:20 262:25 224:13 225:24 49:3,14 50:19 230:18 255:21
260:14 274:18
w.
178:13,14,19 moneys 15:11 225:24 226:3,9 50:20,23 51:7

226:13 229:13 142:25 150:10 229:22 231:14 65:13 73:15 274:20,23,25
235:18,23 262:22 236:25 237:2,6 74:16 94:19,22 named 186:8
minutes 42:12 monitor 191:17 237:9 243:19 95:11 96:9 names 51:10
ww
53:18 193:1,25 monitoring 246:4 257:20 98:22,25 99:10 82:8,25 126:24

195:5 232:24 141:15 257:23 258:15 99:14 100:2,4 narrow 110:18
367 VALLEY AVENUE

Page 306
m
narrowly 118:24 179:7 182:4 193:9 217:12 Nick's 119:19 193:24 194:3
national 1:8,20 216:4 Newland 1:14 NIE 117:18 195:8 196:15
2:12 5:9,18 negative 272:17 3:2 5:2 6:1,7 158:16,22 222:21 231:20
co
7:15 8:18 Negligence 31:20 32:21 night 211:20 238:2 239:25
35:17 40:5 269:7 33:17 35:14 Nods 250:20 240:4 243:6,7
47:25 48:7,18 negligent 269:9 36:11,18,23 276:3 243:8 246:13
d.
89:4 114:17 neither 180:15 47:4 48:7,23 NOI 161:22 248:18 256:9
148:19 167:19 222:11 50:11 53:25 162:3 282:9
203:23 224:12 network 65:5,7 61:5 63:11 noncertified notice 30:6,15
au
226:2 229:13 65:22 66:4,5 73:24 109:4 259:14 32:3 39:12
230:6 250:25 66:25 67:3 116:24 121:6 nonemployed 45:11,24 46:4
257:12 260:16 70:25 71:3 128:15 139:6 10:25 98:18 117:1
260:24 73:12 75:18 150:8 157:15 non-monetary 161:23,23,24
Fr
nature 8:9 83:20,22 84:21 168:20 188:4 172:23 173:4 179:4 237:21
136:24 156:4 90:20 92:2,4 191:3 199:1 non-objection... 245:6 253:2
182:13 206:19 92:10 94:3 215:3 222:3 47:13 257:20,25
re
268:5 95:3 96:11,16 225:22 239:24 normal 208:21 261:16,18
near 20:12 96:18 97:2 256:7 273:6 209:24 noticed 193:15
nearby 27:14 130:15 143:15 281:7 282:8
su normally 123:23 notices 261:19
necessarily 147:6,10,18,19 NEWMAN 2:18 192:15 223:3 notification
67:11 91:18 147:24 148:9 119:17 135:13 223:15 61:17
96:5 103:2 148:20,25 213:19 247:3,6 North 2:8 notified 178:25
clo
171:11 185:6 149:9 151:2 247:8,13 Notary 281:13 223:3
254:23 280:5 155:15 168:9 251:23 note 4:18 98:24 notify 178:22
necessary 80:15 170:17 171:25 newsletter 99:8,9 100:11 179:3 223:7
93:9 177:22 172:9 185:9,16 203:22 204:4 161:14 166:2 notifying 161:25
re
199:3 186:3 206:2 NewTrak 71:6 179:1 199:12 November

neck 225:7 209:4,8,10 71:10,11,14 199:15,22,23 184:14 233:13
need 21:17 47:5 212:14 215:8 117:3,6 118:18 200:1,3,10,14 235:4,8 257:5
Fo
47:15 68:2,4 215:18 216:6 118:20 193:5 200:15,15,16 257:17 275:8

89:5 96:12 216:24 223:4 193:18 195:19 200:18,23 278:8
97:18 103:4 235:14 197:3 273:8,10 202:5 231:15 number 30:17
104:6 112:17 never 17:12 Nick 2:3 5:15 237:15 239:7 97:4 134:22
op
113:5 115:14 25:16 78:2 6:8 46:5,14 240:17,18 158:22,23

116:21 118:2,4 86:7 96:6 97:9 53:14 54:24 246:14 272:12 193:16 194:7
135:4 149:24 116:11 120:21 58:5,25 59:20 notes 44:3,5,16 195:3 211:24
St
150:1 171:3 135:19 152:3 60:20 68:10 44:20 47:16 225:13,13

174:20 187:20 154:13 248:12 78:9 98:10 49:14 50:13,15 227:9
194:13 199:4 258:6 105:5 107:23 68:11,17 78:6 numbered
w.
207:19 210:11 new 26:22,24 109:18 110:14 86:15 98:23 194:22 195:17
213:13 218:12 33:15 72:3,4,5 116:5 118:14 99:5 100:10,24 202:4,21,23
233:6 240:5 72:9 117:5,15 120:6 137:24 117:13 142:8 numbers 193:18
280:17 123:14 156:1 198:10 232:23 157:12,16 253:18
ww
needed 205:12 158:22 163:5,9 235:24 177:18 187:11 numerous 258:3

needs 103:4 186:23 191:12 nickel 236:13 188:4 193:19 N.A 1:8
367 VALLEY AVENUE

Page 307
m
O 45:10,12,20 164:19 166:20 106:11,18 243:20 244:1
oath 3:7 46:23 46:6,15 47:2 167:1 192:23 107:9 113:16 244:15 246:11
47:7 281:2 47:14 55:3 196:1,9 197:23 113:23 115:5 248:12,12
co
object 33:22 59:19,21 60:8 230:3 116:1,6,13,17 249:8,25 250:6
35:10 47:9 69:9 109:25 official 203:3 116:22,22 251:6,17
49:6 53:9 111:20 113:13 252:5 281:9 117:8 119:18 253:10 254:8
d.
57:12,17 58:13 115:7 120:19 oh 25:11 37:8 121:25 122:20 255:5,15
58:20 60:19 181:16 206:20 70:4 73:5 123:17 124:13 256:14 257:6
80:17 87:22 207:3 121:25 145:6,8 125:2,13 126:8 260:8 261:4
au
98:8 103:9 objection's 193:15 198:19 126:19,24 266:8,21 269:7
111:19 113:6 129:25 224:18 248:11 127:17,24 275:20 278:19
129:13 130:11 obligations okay 6:17,20 7:1 129:18 131:2 278:25 280:6,8
217:1 279:9 7:18 8:14,23 131:19 132:18 old 239:11
Fr
177:6 180:14
207:1 210:15 obtain 79:9 9:10 10:14 133:2,6 134:18 once 6:14 37:23
224:16 225:11 80:15 133:16 14:12,23 15:16 135:9,25 89:3 196:21
134:7,24 159:7 15:24 22:22 138:12,15,15 ones 119:4
re
226:19 235:21
objected 206:19 258:5 23:13 25:22 138:20 143:8 One's 28:12
206:20 207:2 obtaining 68:8 26:3 27:9,19 143:18,22 159:13 166:1
objecting 227:13 77:8 31:15 32:16,25
su 144:6,11 145:8 179:21 219:11
objection 35:5,5 obvious 88:19 33:3,7 34:1,16 146:3,10,22 241:4 261:25
35:6,8,11,12 obviously 25:19 36:6,10 38:2 147:8,16 148:1 262:2
40:4 44:10 89:15 120:25 38:15 39:11 148:5,16 149:4 ongoing 229:3
clo
45:22,23 46:3 137:18 207:3 40:1,14 41:5 149:12 151:16 on-site 101:24
52:19 53:20 213:7 251:10 41:22 42:6 159:12 160:6 102:15,16
54:21 55:25 252:20 278:17 43:9,12,22 164:3 169:7 103:3,8 105:16
56:6,9 61:20 occasion 79:10 45:15 46:8 172:11 175:9 107:14 108:14
re
80:6 103:11 occasions 258:3 47:21 48:7,11 178:4,17 open 68:5

104:12,13,14 occupied 245:7 48:18,23 51:10 181:19,25 opened 159:5,21
104:20 106:1 occur 153:24 52:22 53:2,7 182:13 185:8 159:21 160:3
Fo
107:10 109:12 occurred 243:23 53:20 57:25 188:3 194:5,13 169:24

111:23 113:22 October 245:18 60:5 62:16,18 194:15 196:14 opening 26:22
113:25 114:20 Ocwen 12:9,10 63:2,12,19 197:12 198:4 160:13,17
115:3 116:4,9 12:17 13:12,24 64:5,12,15 199:1,14,17,25 opens 231:5
op
116:12 120:25 15:8,25 16:18 65:6 66:12,15 200:9 202:14 operate 207:21
164:5,7 180:23 16:20,25 17:4 68:21 71:6,21 204:7 205:12 operates 107:16
181:15 192:2 17:13,17,19,22 75:9 77:15,22 205:21 207:13 operating 72:15
St
207:11 213:4 18:24 29:7,12 78:1,14 79:20 211:1,4 212:19 operation 25:23
224:22 225:20 offer 82:19 79:24 80:1 212:21 213:20 219:13
236:10 230:17 83:16 84:6 213:23 214:2 operations 7:23
w.
objectionable offered 82:14,15 85:16 87:25 216:2 222:3,14 9:21 10:18

60:9,10,15,17 179:17 88:3 89:18 227:25 231:9 14:14,16 15:4
60:20 offering 46:22 90:9 91:15 235:7 236:9 15:19 16:11,17
offers 110:16 92:5,20 97:23 237:17,23 21:6 32:6 36:7
ww
objections 35:2
35:3 44:16 office 2:3 61:12 98:2 99:6 238:3,19 239:1 36:9 40:12
161:5 164:13 100:3 104:9,21 242:6,15 86:18,21 98:4
367 VALLEY AVENUE

Page 308
m
opine 180:25 162:14 165:24 250:16 279:1 page 3:3,11 4:2 239:20
235:22 166:1,7,20 originally 139:9 32:18 68:17 parent 9:8 34:9
opinion 123:5,7 173:15 176:17 origination 158:2 162:21 40:17,20 47:19
co
123:12,19,20 179:13,14,21 37:22 76:9 164:10,12,23 49:4 51:7
124:1 180:15 180:2,4 182:8 Orlando 16:23 195:14 203:2 229:14
180:15 217:18 182:14,17 ors 136:21 204:23 220:9 parents 165:13
d.
242:12 186:7,14,17 OS 159:25 221:8 243:6 part 12:2 16:16
opinions 124:10 187:8,12 OSI 18:4,6,15,19 250:8,10,11,13 17:16 65:7,8
125:7,11 126:5 191:17 196:8 18:23 19:1,6,8 273:7,10,15,16 72:9,21 73:12
au
126:11,20,22 196:21 200:4 19:9,19 20:1,3 274:4,8,9,11 75:4,10,11
127:7,12,21 200:11 201:2,9 20:6,7 275:6 276:22 79:8 85:4,9,12
opportunity 6:9 206:11 212:5 ought 61:2 276:25 277:10 85:14,16
18:24 57:7 215:15,19 outside 96:18 pages 157:10,11 102:17 113:22
Fr
oppressive 216:9,12 217:4 114:4 227:6 193:22,23 116:2 117:22
267:19 218:17 219:11 Outsourcing 194:10,22 118:7 122:20
Option 1:7 2:6 237:14 238:16 18:2,3 195:5 200:20 130:15 135:22
re
5:4,22 10:22 238:18 239:11 outstanding 202:6,10,11,22 147:8,12 148:6
10:23 11:1,6 239:15 241:4 164:15 202:24,24,24 157:12 184:20
11:13,18 12:1 241:16,24 overall 89:20
su 202:25 203:1,7 192:6,10
12:8 28:9,12 242:1 243:4,19 overhead 156:7 250:9 276:16 201:21 204:8
28:16 29:1,4 246:5,16 247:1 overly 44:11 278:4 282:8 206:1 208:21
70:17,20 80:4 247:20,24 overreaching paid 53:8 69:22 214:24 216:25
clo
80:8 93:2,9,10 249:20 252:3 108:20 70:2,5 126:16 223:15,17
93:17 95:25 253:25 257:22 overriding 126:16 130:19 224:11 238:3
99:18,19 257:22,25 232:11 137:2 142:18 239:20 241:3
101:21 102:3 258:4,10,12,19 overruled 110:1 155:5 156:4 244:21 245:19
re
102:10 106:21 258:24 259:1,3 oversight 8:1 165:6 177:19 247:11 248:2,7
108:4 114:23 259:8,11,20 owed 15:11 208:7 213:11 249:3 276:10
119:3 128:20 261:25 262:2,4 152:17 153:7 213:16 223:9 partial 99:16
Fo
129:1,8,17 262:18 266:6,7 164:14 235:5 244:19 207:18

131:14,20 272:14 279:13 owned 34:9 244:25 257:24 particular 38:6
132:12 141:17 279:20 280:2 40:17 49:4 268:17 275:3 65:12 79:24,25
141:21 142:5 order 53:19 125:10,19 Palm 63:18 80:1 83:6
op
142:25 143:4 69:16 120:18 owner 80:1,23 paragraph 114:20,24

143:10 144:13 124:15,21 140:25 141:14 115:1 176:22
146:4,14,17,21 127:22 207:16 P 141:25 142:7 177:1 209:9
P 2:7,13 210:20
St
147:5,19 148:2 226:25 227:2 142:23 150:9 212:2

148:7,18 149:6 227:19 228:5 Pacer 228:2,10 152:6 156:10 parties 130:16
150:11,21 228:11,18 228:23 234:2 257:17 131:21 152:1
package 93:11
w.
151:23 152:2 229:6 251:10 261:15 262:12 181:20 270:19

152:22 154:17 ordered 124:10 175:1 192:22 267:9 268:4 282:12,13
154:19,25 ordinarily 191:6 216:5,7 249:19 269:8 partner 11:13,15
159:11,13 organized 250:16 parameters 12:5 209:4
ww
160:10,14,16 157:23 packed 265:1 216:13 partners 37:25

161:9,12 162:9 original 201:11 packet 247:13 parcel 209:9 54:3 205:9
367 VALLEY AVENUE

Page 309
m
party 152:8 payoff 37:23 199:19 262:18 263:11 227:16 229:9
209:17 264:12 152:7,9 178:11 person 36:3 265:18 270:14 232:19 236:20
271:16 196:2 258:4,7 38:10 49:12 270:15 236:23 237:10
co
pass 196:11,13 277:10,12 52:8,11 62:7 placed 114:23 240:25 242:4
273:1 payoffs 277:19 62:11 73:21 128:16,16,19 242:21,24
passed 138:10 277:22 74:2 80:22 133:3,7 261:5 243:13 245:24
d.
138:22 191:12 payouts 234:12 84:8,19 87:18 261:19 262:7 246:2,7,10
196:21 213:17 pays 143:13,16 89:20 101:5 262:10,10,14 248:20 249:15
passes 196:12 156:7 105:17 111:6,9 265:12,13 249:18 253:8
au
passing 191:20 peer 90:23 91:2 112:16 183:8 269:25 270:4 253:22 254:1
pattern 266:9 peers 169:13 208:21 215:4 270:10 255:3 257:18
267:10 penalties 258:22 227:5 231:24 places 102:15 257:19,21
pay 60:2 85:1,7 259:22,25 personal 184:12 142:11 258:3,6,10,11
Fr
85:18,24 86:1 penalty 258:20 258:13 259:12 placing 114:25 259:10,10,17
86:7 110:7,8 pending 61:10 personally 7:10 261:9 262:9 259:18,21,22
110:11,13,20 people 13:21 186:12 281:7 plaintiff 152:8 259:25 260:3
re
110:23 111:2 21:6,15,19 persons 64:5 152:10 262:23 261:6,10 262:7
115:19 131:22 42:19 90:15 134:22 273:19 263:1 262:11,20
138:16 143:11 92:9 98:7 phone 21:19
su plaintiffs 1:5,15 263:4,7,11,15
143:16 146:18 103:3 241:5,7 93:2 145:6 2:2 3:12,13,14 263:18 264:17
146:25 147:5 241:7,9 253:20 phrase 206:21 3:15,16,17,18 265:2,4,7,17
149:13 150:17 273:22 278:6 207:11 3:19,20,21,22 268:5 269:5,11
clo
150:20,21 percentage phrased 135:23 3:23,24,25 4:3 269:13,15,19
172:20 178:9 54:18 94:15,17 physically 4:4,5,6,7,8,9 270:1,5,11,16
184:10 255:17 144:2 209:20 200:17 4:10,11,12,13 270:18,23
258:14 271:23 210:8 pick 93:2 163:7 4:14,15,16,17 271:22 272:1,6
re
274:14 275:4 perform 13:11 163:12 201:24 4:18,19 5:16 272:9,17,19

payee 245:6 126:11,22 picked 161:4,5 30:2,5,6,23 273:6
paying 234:25 144:16 148:20 162:24 163:5 32:14,17 69:2 plan 13:3
Fo
265:3 274:24 149:10 168:1 163:16 197:23 69:18 75:7 platform 29:4
payment 13:3 performance picking 21:18 132:22 139:2,6 35:18 37:16
21:20 54:9 167:7,8 168:25 pictures 123:22 140:13 143:1 40:17 51:5,20
122:11 143:4 168:25 pink 204:14 150:12 156:13 72:4 73:5,10
op
151:23 173:17 performed place 1:20 5:9 157:8 190:20 100:4 117:14
173:21 183:25 142:25 150:11 9:10 20:7 23:9 190:22 193:17 117:24 122:21
199:19 208:1 performers 48:12,14 77:5 194:2 195:20 122:23 154:22
St
257:20 259:2 172:21 94:16 102:16 197:6 198:23 157:21 163:6

268:24 272:2 performing 103:3 119:2 199:6 202:12 204:24 240:23
payments 21:16 167:12 169:6 126:1 133:4 202:14 203:16 277:13
w.
209:3 234:23 234:7,11 143:6 216:4,16 203:20 205:18 platforms 50:22

259:17,18,20 period 12:12 217:10,13 206:18,23 51:8,11,22
260:3,3 263:14 16:21 17:4 219:12 224:3 207:10 218:21 81:25 135:20
263:18,20 20:19 25:15 233:20 255:20 218:24 219:15 204:11,17
ww
269:10,15,18 26:20 39:12 255:21 261:21 219:18 220:16 play 27:14,16

269:25 270:1,4 48:1 149:2 261:22 262:13 220:19 224:6 110:3 207:15
367 VALLEY AVENUE

Page 310
m
270:3 36:8 65:13 79:15 262:3 president 7:19 prices 277:16,18
played 7:4 67:25 71:15 powers 79:9 7:23 8:13 9:20 primarily 8:12
please 5:12,14 91:8,12 98:24 practice 170:18 9:21,23,23,24 22:1 23:16
co
7:14,25 12:13 123:13 140:11 171:24 267:10 10:1,6,12,18 25:6 71:4 91:7
12:22 20:4 140:12 146:7 practiced 105:2 11:8,10,24 primary 8:1
21:3 24:24 147:3 156:12 practices 17:7 14:21 28:17 10:13
d.
31:18 37:13 156:19 208:6 61:7,8,14,18 32:5 49:18 principal 23:9
38:8,12 50:23 208:11,14 266:10 268:4 62:23 63:7,14 173:16,19
51:11,18 53:8 209:1 223:8 Pre 203:25 65:2 86:13,17 178:10,14,19
au
54:16 62:18,20 224:9 225:23 preaching 113:4 87:15 208:18 178:24 219:12
62:22,25 63:8 226:7 predatory 235:12 273:20 principally
63:13 64:8 portions 36:15 265:15 presidents 62:13 28:10 42:25
65:1,18,21 36:17 38:6 Premiere 17:25 62:17 63:19,23 principles
Fr
66:16,20 67:23 91:24 204:21 premium 262:10 64:4 180:20
69:4 77:15 204:22 262:14 press 42:23 print 37:1,9 39:7
84:15 105:25 position 7:21 preparation pressing 42:17 42:8,17 74:24
re
116:10 159:2 12:16 13:23 240:21 pretense 263:16 75:1 189:11
168:18 183:25 16:14 22:17 prepare 77:18 pretty 26:21 194:24 253:6
184:2,7,14 23:13 24:1,5 77:20 79:13
su 94:13,18,20 printed 42:22
199:18,25 24:20,23 25:8 prepared 76:17 140:18 191:2 printing 254:9
203:21 205:13 26:13 80:3 76:18 201:5 199:4 205:4 prints 195:4
219:18 220:9 86:10,24 216:19 213:3 247:11,11,14
clo
220:14 234:5 120:15 168:5 preparing 79:11 prevent 13:7 prior 6:9 9:18
242:15 250:1 186:13 188:17 128:14 132:19 115:6,7 10:20 11:16
plural 261:5,16 220:11 221:4 196:16 previous 11:20 12:6,8 15:23
poem 205:6 237:1 prepayment 117:9 135:18 17:22 20:3
re
point 7:5 9:25 positions 9:20 258:20,22 179:1 222:8 22:14,25 24:7
15:18 53:14 14:2 16:24 prequalify previously 10:21 30:10 39:18
55:23 80:10 19:25 148:11 15:10 30:4,15 139:11 175:20
Fo
106:4,7,8 possibility present 2:17 31:1 32:2,17 183:4 196:17

137:16 151:6 171:20 244:18 163:21,22 44:6 47:11,11 196:20 205:15
179:19 181:16 possible 74:4 200:2,6 68:13 75:15 220:10 221:3
221:17 224:4 167:2 214:5 presented 132:21 136:15 222:25 223:5
op
256:12 256:23 278:19 180:16 139:6 179:1 223:20 232:4

points 205:5 possibly 159:10 presenting 198:6 199:6 237:19 240:14
policies 114:25 233:17 248:6 240:15 235:6 244:13 246:22 254:9
St
177:23 179:5 post 2:3 263:14 presently 163:20 246:2,9 249:17 274:20,22,25
179:21,22 263:20,21 234:25 273:8 privilege 129:14
policy 259:13 269:10,18,21 preserve 115:13 pre-agree 116:3 129:22 130:4
w.
pooling 264:7,12 posted 269:23 preserved price 123:4,6,12 privileged

264:23 271:4,6 posting 261:20 192:15 123:19 124:1,9 130:24
271:13,16 263:18 preserves 125:6,10 126:5 privy 175:19,23
279:18 potentially 109:12 126:11,20,22 226:17
ww
portal 65:16,18 127:11 preserving 127:7,12,20 prizes 173:8

portion 21:9 power 58:2 79:5 56:10 217:18 242:12 pro 45:2
367 VALLEY AVENUE

Page 311
m
proactive 13:20 124:16,19,20 48:10,21 63:24 199:23 200:14 41:24 52:2
probably 8:21 134:25 135:3,6 73:7 191:13 200:17 53:3 54:1,9,15
16:8 31:3 135:21 136:5 219:7 232:3 promoted 9:23 68:1 70:13
co
38:13 52:10 142:8 146:6,7 278:6 9:24 10:5,17 81:14 93:15
70:11 161:16 146:8 153:15 procure 78:25 11:25 26:15 96:3 105:13,15
161:17 189:15 154:6,10 produce 31:3 promotion 26:14 122:7,12 126:5
d.
208:15 210:13 156:16 157:11 62:2 94:25 promotions 129:12 130:14
210:14 223:12 157:16,21 98:22 118:6 14:19 130:18 133:6
224:21,23 158:10,11,12 119:13 121:9 proof 203:2 135:11 136:21
au
225:8 247:3,14 158:20 159:5,6 121:13 123:7 proper 20:10 136:25 143:10
Probate 261:19 159:20 160:3 210:20 120:20,22 147:11,12,20
probates 8:9 160:12,13,17 produced 6:2 180:10 269:11 148:19 151:14
problem 58:15 161:2 162:21 30:15 68:12,13 properly 264:19 152:7,9 153:11
Fr
105:8 110:15 163:8 164:20 69:1 73:18 269:9 153:21 174:7
168:11 221:11 170:7,11 75:2,11,15 properties 174:19,20
problems 106:15 171:12 173:10 117:22 123:11 277:17 178:2 182:2,10
re
223:7 173:12 174:11 132:19,21 property 80:5,11 192:11 206:4,7
procedure 104:2 176:14,16 135:6 185:19 122:10,15,16 215:20,25
108:25 180:5,10 185:22 200:10
su 123:21 124:1,5 216:25 217:2
procedures 184:20 185:18 202:16 235:10 124:7,9,17,22 218:1,4,8,15
177:23 179:5 186:22 188:3 237:13 124:23 126:6,7 241:14 266:18
proceeding 188:20 189:5 producing 30:23 126:9,13 266:23 277:12
clo
218:19 189:25 190:1 137:17 127:20 165:8 277:14 279:10
proceedings 191:7 193:23 product 29:10 165:16 166:22 provided 12:24
157:4 207:9 194:3 195:8 40:16 167:2 184:13 41:20 44:6,19
227:17 197:3 201:7 production 217:17 220:12 62:8 67:20
re
proceeds 69:23 202:7 205:1,23 193:9 205:15 221:4 242:12 73:11 75:21
70:3 196:2 209:1 215:21 226:15 246:24 242:14 244:6,9 76:2 77:3
209:10,11,12 215:23 217:19 276:21 245:13 261:10 79:18,21,22
Fo
257:24 218:11 219:4 products 82:13 265:13,19 96:22 134:22

process 65:20,21 230:23 231:5 professional 266:6,12,14,25 136:5 139:22
65:24 66:2,3,7 231:11,16,20 22:22 29:24 267:7 143:5 144:9
67:17,21,25 238:4,10 81:2 282:5 propounding 147:6 148:23
op
68:11,15,17 241:21,25 profit 156:7 7:6 150:14 154:5

70:23 71:4,7 242:1 244:5 267:21,25 proprietary 161:12 162:14
71:12,19,22 248:2 273:7,9 268:2 53:10 138:1 164:16 174:14
St
78:6 79:8 274:16 277:11 profits 267:13 141:9 164:2,7 179:9,11

81:23 82:5,9 278:1 280:3 268:10 212:24 213:2 182:18 193:4,8
82:11,18 90:18 processed 160:7 program 25:14 protective 212:4 216:8
w.
91:24 92:15,17 processes 68:6 174:15 207:16 226:25 241:3 243:3,19

94:23 95:1,4,7 81:6 82:16 programs 122:4 227:2,19 228:5 253:16
100:8,10,21,23 120:16 176:24 204:17 228:11,18 provider 154:9
101:2 102:21 189:3,7,19,24 projects 168:6 229:6 provides 33:12
ww
102:23 105:13 201:6 216:5 promissory protocols 204:12 52:22 54:13

111:18 118:19 processing 9:6 199:12,15,22 provide 17:16 65:10,22 74:13
367 VALLEY AVENUE

Page 312
m
82:17 83:25 201:1 225:21 48:24 49:7 112:13 real-time 277:12
93:11 147:4,9 227:5 230:25 53:10,15,17 quickly 171:14 reask 110:23
151:17 176:18 265:16 266:12 55:3,16,18 199:5 reason 53:11
co
177:10 182:14 267:11 268:6 56:8,9 57:8,15 quiet 58:11 109:19 110:14
218:1,17 241:6 purposes 48:3 64:7 66:6 72:7 quit 59:15,16 135:23 168:4
providing 77:8 59:6 75:19 75:17 76:7 113:4 274:23 187:6 247:18
d.
141:17 148:7 78:5 260:21 79:23 81:12 quite 20:15 92:6 275:8
148:22 182:3 pursue 206:17 82:3 85:2 86:9 quote 44:13,14 reasonable
244:23 206:22 207:8 87:23 88:19 265:1,2 110:23 177:16
au
provinces 91:20 purview 127:15 89:9 92:6 97:9 quotes 277:12 reasonably 55:7
provision 94:1 push 37:2 42:10 98:9,15 103:10 55:8 114:12
127:7 128:3 201:9,15 103:16 107:5 R reasoning 171:3
182:9 pushed 202:2 107:13 108:8 R 282:1 reasons 105:16
Fr
prudent 178:22 put 90:3 108:13 114:21 116:5 raised 70:12 262:22
PSA 264:8,13 110:4 168:5 119:11 121:22 115:2 recall 10:19
Public 281:13 180:21 224:21 126:20 130:4 ran 252:23 12:12 15:21
re
publication 225:19 240:4 131:1,19 132:8 range 108:23 17:8,21 18:11
186:23 256:20 249:20 251:16 134:1 136:19 234:20 18:21 19:11,20
257:7 putting 107:14 146:19 148:14
su ranging 105:4 20:19 21:3
publicly 88:13 P-U-N-E 248:22 149:5 166:19 ranking 167:4,6 23:22 25:11
88:15 p.m 1:19 166:3 167:21 168:17 167:8,25 168:3 26:8,23 28:14
publish 204:4 186:25 197:7 177:6 181:5 168:22 169:3,5 32:1 37:3,11
clo
published 197:22 280:25 187:15 206:14 169:8,9 172:24 72:18 117:12
181:12 204:2 P309 31:20,22 206:18 215:7 ranks 168:24 123:10 163:25
publishing 257:2 32:9,11,25 questioning rapidly 26:21 274:17 276:24
pull 68:25 33:2,3,4,8,12 111:25 256:12 rating 66:5 receivable 19:10
re
157:10 189:10 33:18 36:18,25 questions 22:15 read 33:9 40:23 receivables
189:13 230:17 37:10 39:8,23 34:13,15,17 94:5 140:2 18:10 19:14
pulled 30:21 39:24,25 41:2 46:14 47:1,13 179:1 184:6 receive 70:15
Fo
228:9,22 229:3 41:6 118:10 56:20 57:5 234:5 248:24 92:18 154:24
248:6 252:25 119:16 134:15 58:6,9,20,23 254:22 173:14,14,17
254:3 255:7 134:17 210:21 59:15 60:9,10 readily 133:24 196:7 269:12
pulling 174:23 211:6 254:4,7 78:10 103:18 reading 112:5 269:13 272:1
op
189:14 254:25 106:14 108:21 142:7 207:5 received 26:13

Pune 248:21 110:5,24 111:1 ready 43:23 39:6 45:14,18
purchase 18:9 Q 111:3 112:24 184:9 61:17 76:22
QA 193:1 real 40:10 46:19
St
210:9 113:5,14 120:2 78:21 142:24

purchased 217:6 qualify 21:17 120:11 140:10 109:16,18 150:10 156:12
230:5 quarter 234:6 140:23 181:15 112:14,18 160:24 173:23
quarterly realize 15:16
w.
purchases 209:8 187:12 208:16 179:13 184:23

209:18 234:11 236:1,4,18 211:19 196:4 199:8
purchasing quash 214:20 256:8,13 really 59:4 200:11 231:3
18:11 question 6:22 257:11,12 138:16 148:15 259:21 269:11
ww
purely 127:24 33:23 36:2 260:23 158:2 205:12 receives 66:5

purpose 48:5 45:22 47:4,10 question's 210:7 279:20 209:10
367 VALLEY AVENUE

Page 313
m
receiving 156:11 221:25 224:22 236:25 157:20 166:21 109:22 112:14
198:3 234:9 225:20 226:22 referral 54:10 167:1 173:11 114:11,15,17
257:20 228:16,19 92:2,4,7,19,20 180:11 187:13 115:1 120:3
co
recess 97:15 232:15 248:13 92:23,24 93:11 190:14 206:14 167:22,23
198:14 221:24 256:2,4 280:20 95:8 96:4 206:15 259:13 168:4 210:15
256:3 282:9 143:14,15,16 271:14 272:23 236:6
d.
recognition recorded 161:16 159:23 169:16 272:23 273:17 relief 75:25
278:5 202:16 220:11 173:15 196:3 regardless remaining 152:5
recognize 199:5 223:5 237:3 215:22,23 104:24 remains 37:24
au
199:9 202:18 recording 203:2 216:1,3,5,7 regards 61:7 remember 12:16
242:7,8 243:1 203:3 230:3 226:22 246:22 181:10 218:11 19:18 24:11,15
245:13 246:3 records 78:6 248:7 276:21 218:18 117:11 118:24
246:21 123:6 191:6 276:21,21 region 167:17 123:9 233:22
Fr
recollection 209:15 231:9 referrals 188:18 Registered 256:21 274:23
19:22 record's 112:20 276:17 277:1 282:5 remittances
recommended 113:7 238:20 referred 72:12 regular 217:16 255:17
re
169:15 recurring 97:1 125:15 regularly 208:24 remuneration
reconsider 55:25 124:11 128:25 173:24 regulations 154:24
57:9 105:7 redact 238:22 174:9 206:5
su 180:11 renamed 72:9
record 5:7 8:15 redacted 237:22 260:19 277:17 reign 104:23 REO 87:6 98:21
45:13,20,22 238:14 239:12 277:21 relate 273:16 98:24
46:7,9,10,15 redaction 138:1 referring 85:17 related 125:10 rep 35:17
clo
46:24,25 47:14 207:18 93:21 95:18 relation 167:12 repeat 8:19 57:4
50:5,6,7 55:14 redactions 150:13 154:20 270:22 76:7 166:23
56:24 57:1,3 238:21 239:13 180:5 185:3 relations 245:4 168:17 181:5
59:21 68:10 Redirect 3:6 260:24 273:22 181:16 218:13
re
69:3,4 73:15 273:3 refers 9:1 93:13 relationship repeatedly 265:3

97:14,16 100:4 redo 110:5,9,21 278:20 230:9,13 rephrase 67:15
107:24 110:4 236:13 refigured 171:1 279:12 replacing 273:9
Fo
113:8 115:12 Reese 2:8 reflective 276:7 relative 130:16 report 101:12,15
115:21 118:2 refer 40:9 71:13 refuse 259:9 144:18 282:10 101:16 210:3,4
119:17,21,23 72:5 81:24 refused 259:1,20 282:12 221:12 235:19
119:24 120:1,7 82:9,11 93:8 270:13 relatively 189:11 235:22 239:6
op
121:23 128:8 96:7 152:20 regard 13:19 relatives 29:14 282:7

128:10,11,12 174:22 221:16 61:24 103:12 relay 70:16 reported 1:22
130:1 132:3 249:19 253:21 106:14 108:14 release 229:23 272:17
St
143:21 150:2,3 260:22 141:18 257:12 released 237:7 reporter 3:8

150:5 156:11 reference 6:15 270:7 relevance 53:12 5:14 31:4
187:23,24,25 6:16 68:3,8 regarding 44:20 55:10 104:5,14 69:15 110:9
w.
194:16,17,18 92:7 182:17 50:12 61:13 164:6 234:16 113:8 203:19

198:12,13,15 248:9 275:9 78:24 99:3 relevant 54:21 252:17 280:20
198:19,20,21 278:9 103:18 114:25 55:6,19,21,24 282:6
198:22 207:25 referenced 115:2 134:21 57:8,12,15 reporters 109:5
ww
210:19,19 15:13 117:15 143:1,5,10 60:25 104:5,8 Reporter's 4:18

216:21 221:23 118:11 135:20 150:11 157:4,8 107:7 108:11 reporting 5:12
367 VALLEY AVENUE

Page 314
m
94:12,20 97:6 119:15 121:7 37:20 38:2,4 184:15 186:6 184:6 236:5
170:10 209:24 124:23 135:23 41:25 44:2 190:17 195:16 restart 186:21
272:18 146:20 160:19 46:3 47:8 49:1 196:23 197:1 187:7
co
reports 94:25 171:14 172:5 49:4 51:4 54:2 200:10 202:14 restarted 186:18
141:17 272:22 183:23 185:20 55:2,15 61:7 202:20 204:17 restricted
276:21 188:23 189:1 62:3,12 63:3 207:13 209:16 175:16 176:1,6
d.
represent 5:13 201:10 210:12 64:6 66:19 211:10 212:7 178:20 179:6
5:16,18,22 210:14 219:20 67:22 75:3 212:12 213:6 196:6,18
30:5 32:18 220:20,24 78:12,18 83:3 215:14 216:14 result 209:16,17
au
43:18 133:13 231:3,10,15,25 84:21 85:8,17 217:4 218:9 210:9 218:5
134:5 139:7 246:14 248:24 90:20 91:21 219:4,12 224:3 268:23 271:21
141:21 157:19 249:9 94:23 95:18 224:9 229:8,12 results 264:20
199:7 202:15 requested 30:18 98:4,20,21,23 232:8 239:12 retain 142:1
Fr
225:6,21 39:22 61:6 99:2,14,21 240:7,21 retained 4:19
227:11,25 77:1,18 78:4 100:8 101:1 243:22 248:16 retake 110:12
237:12 241:3 80:10 126:15 112:15 116:20 249:8 250:21 retaking 115:20
re
243:2,18 254:5 152:16 177:25 116:24 117:1 253:1 255:16 retrieve 231:7
representation 231:13 117:21 119:15 255:19 256:8 retrieved 201:6
253:12 requester 232:5 120:14 121:6
su 264:10 266:9 201:8
representative requesting 121:10 122:6 273:5,11 274:3 return 252:21
6:24 17:14 146:11 258:4 122:10 123:4,5 274:11 276:20 reverse 157:23
19:6 24:25 requests 45:13 124:9 125:6 277:16 279:3,7 252:11
clo
26:10 34:24 69:12 75:18,24 126:19 127:19 279:9 review 72:22
155:20 180:17 136:1 205:15 130:17 131:19 respond 70:8,10 83:5 167:7
representatives require 96:4 132:15,20 115:12 172:5 178:2 184:25
166:14 103:7 104:3 133:4,12 134:4 responded 35:7 189:1 190:6,10
re
represented 171:16 236:6 134:11,19 201:11 192:18 193:2

54:20 254:25 required 144:16 135:6,9,15 response 106:1 195:10 205:14
258:14 145:21 146:5,8 136:12,17 134:10 137:4 223:17 233:11
Fo
representing 146:23,25 137:1,14 139:9 169:2 211:25 240:16 279:11

5:11 205:24 216:24 263:24 140:8 141:1,22 216:19 231:20 reviewed 30:10
represents 69:5 requirements 143:13 144:24 responses 211:9 32:3 39:18
195:19 230:3 147:17 150:15 responsibilities 86:5 132:18
op
reprojected requires 94:2 150:19 152:5 7:24 130:17 139:11 183:4

172:4 167:25 152:11,12,25 264:9 192:17,20
repurchase requiring 128:4 153:8,18,24 responsibility 196:14 225:3
St
210:10 residence 261:6 154:14 155:7 10:10,13 86:20 reviewing

repurchased resolution 8:7,8 155:13,21 91:5,7 178:1 188:21 192:12
209:22 79:5,15 158:6 167:5 263:22 200:13
w.
repurchases resolve 12:25 170:16 171:22 responsible 77:7 re-projection

209:18 resolved 94:17 173:23 175:20 91:13 170:25 171:5
request 31:14 respect 7:5 14:2 176:19,22 responsive 31:13 re-projections
44:11,18,19 17:6,9 28:9,16 177:10 179:13 44:17 47:12 170:24
ww
68:6 69:7,12 31:11,14,25 180:3,9,20 69:7,11 Richards 63:9

78:7,18,21 32:19 33:20 181:9 182:1,3 rest 116:17 64:16
367 VALLEY AVENUE

Page 315
m
rider 199:20 192:8,13,20 role 7:4 264:4 237:8 104:17 114:4
right 9:1,3 13:21 200:20 201:7 269:17 270:3 satisfied 178:24 129:11
15:6 16:6 201:13,24 room 61:3 222:12 257:23 score 167:4,7
co
20:25 21:22 202:8 203:1 roughshod save 8:21 121:2 scoring 167:11
26:12 27:2,17 204:12 206:24 111:17 213:4 225:9 168:24 169:10
33:10 35:22 207:16 208:12 RPR 1:22 saves 100:5 Scott 86:11,24
d.
39:19 40:21 210:17 212:14 281:13 282:18 Saxon 224:13 87:18 89:12
43:14 48:21 213:18 214:15 RQA 188:20 225:24 226:9 90:11 93:3
57:12,17,19 216:13 219:2 RSI 161:15 saying 40:11 129:2,5,16
au
59:14 60:18 220:3 221:18 rule 57:15 58:20 51:3 55:18 131:11,16
63:12 69:14,23 222:9 223:3,10 59:3 107:15 56:1,11 112:13 132:11 142:2
70:6,14 78:22 223:22,25 rules 55:2 57:20 112:17 113:7 143:13 145:20
80:11 81:16,17 225:25 226:4 57:21 81:21 119:10 135:5 146:15,16,20
Fr
81:18 86:18 226:10 228:14 104:1,2,3 136:4 147:17 151:21 153:13
88:20 90:15 230:6 231:22 108:25 112:3,6 148:6,15,17 158:17,24
94:10 98:14 231:25 233:7 ruling 55:12,18 149:6 160:6 160:8,24 161:4
re
101:1 103:24 233:10,15,21 run 36:8 56:17 205:9 223:14 162:22,24
105:3,11 106:9 235:5 236:3 93:6 111:16 228:3,15 230:8 164:12,19
108:3 109:12 238:4,12 113:20 147:7
su 275:13 277:25 169:24 195:25
110:12,19 239:16 240:8 192:9 279:15,25 196:9 198:2
111:14,16,19 241:22 245:16 running 124:3 says 40:24 69:21 200:25 205:24
111:21,24 248:19 251:4 runs 34:7 215:4 103:24 129:21 206:8,11 223:2
clo
112:2 113:21 253:6,17 254:3 rush 168:6 136:21 156:10 245:7,17
114:1,2 115:23 254:12 255:12 rushed 168:11 157:2 158:5,15 250:23 273:19
116:22 117:6 257:9,13 258:9 rushing 226:14 158:16 159:24 scrape 174:15,22
119:7 120:24 260:21 264:9 Russo 166:7 165:11,14 175:6 248:6
re
123:3,14 124:4 265:12 271:20 167:1 183:23 177:22 183:25 screen 32:11,12
126:2,17,19 273:14 274:14 186:17 195:24 189:5 190:5 32:25 33:2,6,8
127:19 129:5 275:2,17 196:8 197:5 194:23 195:4 36:21 74:20
Fo
132:6 136:11 276:10 277:15 202:5,5,7,22 83:4 100:11

137:21,24 277:17 278:2,6 S 207:6 234:4,6 133:13,14,16
138:18 139:17 278:13,23 safe 21:23 71:13 237:21 243:6 134:5,15,17
140:17 142:5 279:13 280:4 80:21 85:24 246:12 248:22 174:15,17,19
op
142:10 144:21 280:11 191:21 249:9 252:3,4 174:22,25,25

145:2 146:3 rights 37:5 sail 60:10 256:19 257:17 175:6 194:24
148:1 149:14 130:16 131:21 sale 169:17,25 258:9 269:8 195:4 210:21
170:15 180:4
St
149:19 158:3 217:7 279:17 270:18 272:8 239:9 243:5

158:13 160:4 risk 184:2 236:8 186:20 209:7,9 275:7 276:4,13 247:11,11,14
161:9,18,21 Riverside 1:20 210:4 261:22 277:11 278:8 248:5,6 253:11
sales 209:16,17
w.
162:11 164:10 Road 20:13 scans 201:14 253:20

165:25 166:8 28:15 209:17 210:8 scenario 125:7,8 screens 39:9
166:22 175:1 Roberson 183:9 sanctions 227:6 schedule 215:5 51:24,25 52:5
176:2 178:7,17 Roberson's Sandeep 248:21 226:8 100:2 119:3
ww
187:4,18 189:5 183:14 sat 196:14 279:7 school 28:6,8 156:21,23

189:22 190:2 Robin 183:24 satisfaction scope 49:7 163:12 253:1
367 VALLEY AVENUE

Page 316
m
seal 281:9 seek 79:9 134:11 200:20 210:12 54:13,15,18,19 277:6 279:10
search 220:23 266:10 227:14 229:16 66:21 67:2 servicing 40:17
second 20:6 22:5 seeking 187:8 231:9 71:20 84:25 51:20,21 95:17
co
22:6 51:14 seen 32:12 78:15 separately 85:5 85:7,18,22 128:4 136:22
68:23 86:14 86:7 196:16 195:9 94:2 99:23 180:20 181:11
142:23 179:3 218:24 219:5,9 September 10:4 102:14 127:11 217:6,6,13,22
d.
192:22 193:16 219:10 225:2,8 11:22 24:16 141:10,10 218:16 219:13
195:2 197:21 228:9 232:21 194:8 261:22 147:4 216:12 264:8,12
198:4 220:9 235:9 237:18 sequentially 224:17 266:14 266:10 271:14
au
221:20,22 240:18 254:9 202:21 servicer's 271:17 279:18
230:16 251:24 segment 204:23 series 243:21 102:18 set 10:14 53:12
252:2,13 259:8 segregates 185:9 serious 120:17 services 7:16 54:5 66:12,23
261:17 273:15 segregation serve 6:20 19:5 35:17 44:5,15 85:25 129:10
Fr
273:16 244:21 25:10 26:7 51:1 52:22 144:2,17,19,21
secrecy 60:22,24 select 93:20,21 180:12 181:9 53:3 54:2,7,13 145:16 149:10
section 74:12 142:1 191:19 229:19 54:16 63:24 149:13 160:11
re
197:5 selecting 74:24 served 25:12,14 82:14,16 85:8 198:4 216:13
sectioned 71:14 141:21 69:7 85:25 87:8 226:8 229:5
secured 80:23 send 77:19 service 17:7
su 105:14 125:14 230:18 231:9
securities 38:13 171:13 178:6 37:16 83:17,19 125:17,18 255:5
38:15 52:10 216:5,8 228:12 85:19,22 144:9 126:4,8 127:22 sets 66:8 67:7,9
securitized 250:3 148:21,23 128:6 129:11 74:20 130:15
clo
79:25 80:14,16 sending 174:24 154:5 167:18 130:17 136:16 264:9
271:9 183:23 192:7 170:20,21 136:23,25 setting 223:10
security 38:16 215:24 171:6 276:11 137:2 141:15 settings 239:1
38:18 74:2 senior 15:3,18 277:5 141:20 142:12 setup 33:15
re
101:9 161:16 seniority 37:4,6 serviced 277:13 142:25 143:5,9 Sewell 2:13
164:4 202:20 sent 26:16,18 servicer 71:23 144:17,23 shape 226:14
203:7 79:3 97:1 77:2,3 83:20 147:6,11,20 272:24
Fo
see 12:21 31:17 149:9 158:17 84:22 103:12 148:18,20 shared 154:11
58:4,14 106:22 158:24 160:8 103:19 105:17 149:10 150:11 Sharma 248:21
118:4 124:3 162:22 169:24 112:11 127:25 150:14 151:14 sheet 44:7 50:16
159:22 166:2 177:20 179:7 147:9,9,19 151:17 153:14 243:16 249:22
op
173:17 175:24 191:8,11 148:18 155:5,6 154:9,21 251:13 252:2,5

184:2,9 191:1 192:22 219:6 173:13 180:24 176:19 177:10 252:6 254:5
193:12,21 238:11 248:7 209:12,14,18 182:1,2,9 Shelley 175:11
St
198:17 202:20 249:20 209:22 210:10 206:4,7 212:7 SHERYL 2:18

203:12 205:11 sentence 41:9,23 215:17,19 212:11,17 shop 148:18
211:5 221:15 73:3 142:23 216:3 217:15 220:6 224:12 short 97:20
w.
227:9 235:18 157:2 165:14 218:5,9 225:16 224:13 229:25 172:10,11

235:18 237:8 166:24 225:25 226:3 230:9 241:19 204:10
243:9,12 separate 9:14 231:12 245:2 241:21 242:9 Shortly 261:15
250:11 71:14 89:6 266:15 267:7 242:18 244:22 shot 36:21
ww
seeing 146:22 91:5,22 98:5,6 271:8,11 264:23 266:18 shots 174:25

279:1 151:16 193:8 servicers 53:3 266:22 271:5,6 243:5
367 VALLEY AVENUE

Page 317
m
should've 82:9 120:17 Slander 272:15 118:16 239:21 244:23
115:19 251:4 131:20 185:14 slanderous solely 98:6 251:1,3 257:13
252:13 268:21 186:19 189:11 272:16 solution 134:12 260:11,17,19
co
show 30:4 32:16 single 259:2 sleep 211:22 204:25 205:1 260:25
54:22 57:7,11 262:9,14 slightly 195:4 solutions 1:9 somebody 39:5
77:4,7 114:6 Singleton 164:12 slow 51:14 5:19 8:19 9:6 70:9 84:4
d.
114:10,11 164:18 183:24 136:23 18:2,3 33:25 somewhat 25:7
139:5 142:9 195:25 196:9 small 21:7 23:18 40:6 48:1,8,10 230:24 239:8
167:11 178:18 196:22 smaller 21:24 48:13,19,21,22 soon 257:23
au
190:10 192:19 sir 6:13 7:14,25 Smith 166:4,10 85:15 86:13,25 sorry 11:23
203:18 218:23 11:2 12:13 166:25 183:24 87:2,24 89:2,2 15:16 23:3
219:17 220:18 17:23 20:4 186:8,11,18 89:4,7,13 32:8 50:2
231:16 233:14 21:3 24:24 snapshot 174:25 95:13 96:3 52:25 62:19
Fr
234:17,18 29:16,19,22 175:8 102:20 125:1 72:24 73:4
237:12 243:15 31:18 35:15 snatch 251:13 125:22 126:2 113:10 116:20
246:1,9 249:17 37:20 38:3,8 software 29:4 127:6,10,18,19 119:22 126:8
re
showed 175:4 38:12 39:12 32:19,21,22 127:21 128:3 129:20 135:13
shown 40:23 42:6 47:7 33:21 34:5,7 129:1,5,7,12 136:23 139:8
shows 31:23 48:14 49:16 35:18 37:17,18
su 131:12,13,14 145:7 150:21
221:5 50:23 51:11,18 38:2,4 39:2,7 131:16 132:10 153:14 154:18
shred 229:7 53:8 54:16 40:1,2,3 42:20 133:24,25 163:21 166:23
shut 232:25 55:1,17 56:5 42:21,21 44:5 141:7,18 142:1 174:1,17
clo
256:12 62:18,20,22,25 44:13 49:3,15 142:12,14,18 188:11 193:15
sic 198:10 63:8,13 65:19 50:15,19,22 142:24 143:15 194:20 203:18
side 33:10 90:10 66:16,20 77:15 51:1,5,7,17 145:21 146:4,6 211:17 218:12
101:25,25 169:19 178:12 62:9 65:13,16 146:14,15,24 218:14,15
re
163:10 229:6 181:6 199:18 70:24,24 71:1 147:1,9 148:9 247:8 251:4
230:19 273:16 199:25 205:13 71:15 72:1 149:7 150:15 sort 13:4,19 21:7
sign 78:2 96:21 220:9,14 74:12,15 82:21 150:18,23,25 21:21 26:14,22
Fo
107:17 217:12 242:15 250:1 83:4 94:19,20 151:17,19,24 64:10 123:22

signature 77:10 257:14 97:7 98:21,25 152:7,16,18,24 175:2 205:8
77:13,25 sister 165:12 99:14 102:19 153:4 154:4,8 213:15 214:7
signed 77:19 sit 43:4 58:10,22 102:22,24 154:11,19,22 225:3 273:19
op
95:8,14,16 74:7 133:22 117:10,24 155:1,5,13,18 sought 160:9

280:1 176:4 186:4 118:15 122:3 156:5,8,11 sound 20:24
significance 215:3 235:22 134:24 142:11 157:3,21 202:8 234:13
St
183:20 236:16 279:16 142:16 163:10 158:20 164:17 Sounds 202:9

significant 263:7 sitting 69:14 201:7,7,10 171:24 175:11 source 154:25
similar 61:25 107:2 115:10 202:22 237:16 176:10 177:4,9 155:21 173:12
w.
175:5 204:4 119:12 237:25 238:7 182:8 188:11 174:13 227:15

simple 37:2 situation 115:10 239:6,19 203:24 204:6 south 26:5
42:10 82:23 115:11 130:9 241:19 242:19 204:11 209:5 Southern 225:14
simpler 89:9 140:8 203:1 243:3 245:2 209:13,15 227:7,18
ww
simply 42:15 six 23:25 24:12 246:19,21 218:10 219:23 space 211:17
70:20 74:23 size 193:23 softwares 229:20 238:8 239:23
367 VALLEY AVENUE

Page 318
m
speak 179:16 247:20 272:16 222:22 125:18 127:4
speaking 35:2,7 stamped 31:1 states 28:23 strange 275:9 substance
35:12 130:6,8 100:11 163:6 36:21 61:11,12 street 21:6 130:10
co
143:3 stand 9:5 81:15,21 91:19 strictly 71:15 substitute
speaks 46:9 standard 54:6 91:20 226:23 148:13 111:15
special 8:3,5 180:13 181:10 227:7 244:11 strike 22:11 suburbs 20:10
d.
62:23,24 63:14 181:22 182:21 stating 164:21 strip 267:1 sub-entity 125:2
109:5 182:23 station 42:8 stripping 266:12 sued 260:16
specialist 178:22 standards 180:9 253:6 structure 97:24 suffered 261:6
au
specialty 176:18 180:21 statistics 96:25 98:13 125:24 suit 184:9
177:13 standing 116:16 97:3 138:4,11 Suite 2:9,14
specific 7:2 10:9 124:3 266:2 status 141:16 144:22 149:17 suits 108:11
11:9 34:4,19 stands 127:1 stay 26:17 75:25 212:12 213:9 summary
Fr
35:6 44:18 161:17 162:5 96:9 structures 204:10 280:16
45:13 69:10 194:24 237:24 stayed 10:13 145:16,19 Summit 203:14
80:14 138:2 238:1 Steele 165:10,12 stuff 69:16 204:2 233:18
re
182:25 227:2 stapler 252:16 165:17 104:19 113:20 235:10 256:19
232:7 257:12 start 33:11 158:1 Stemmle's 138:2 164:4 256:24 257:2,7
265:16 271:10 273:25
su 252:25 sums 259:12
specifically started 11:22 stenographic subject 17:5 SunTrust 221:5
36:16 39:9 16:4 19:21 282:9 44:6 50:15 supervision
56:7 143:5,7 24:16,17 stenographica... 69:9 120:3 38:21,24
clo
150:13 228:25 282:7 179:18 227:6 supervisor
specifics 130:9 starting 121:24 step 104:5 227:18 228:11 208:17
spell 62:20 63:9 starts 90:9 280:15 229:6 262:8 supplied 215:12
90:2,25 140:3 state 5:13 17:5 steps 65:9 68:2 264:22 271:8 support 75:25
re
140:3 17:10 27:12,13 92:13 214:21 submission 112:11 139:22

spend 23:22 27:25 30:8 stickler 89:1 224:10 143:9,17,19
spent 16:7 19:23 46:15 47:14 Stipulated submit 145:22 144:12 151:1
Fo
19:24 109:8 61:24 76:19 161:19 146:23 155:15,22,24

spinoff 9:10 81:17 91:17 stipulates 41:20 submitted 83:9 156:5
72:10 88:4,5 95:22 105:2 stop 51:2 60:9 146:25 175:15 supported 54:23
255:20 113:24 147:18 256:1 208:1,6 216:21 58:6 153:22
op
sponsored 145:1 167:13,14,16 stopped 257:2 245:17 255:10 supports 53:15

149:18 169:1,13,20 store 26:16,24 255:13,16 108:17,17
spooky 253:18 172:17,21,25 26:25 subpoena supposed 70:5,6
St
sport 27:14 204:16 215:6 stored 190:18 214:11,18,20 79:25 105:19

spot 90:4 215:11 258:10 storefront 21:5 subservice 165:5 227:24
spotlight 276:17 259:7,8 280:2 25:23 266:19,20 sure 9:19 22:2
w.
spun 9:7 281:4,13 282:3 stores 26:22 subservicer 33:12 35:9

stack 251:16 stated 15:10 storing 33:13 266:17 42:24 46:17
252:21 165:18 235:9 41:12,17 42:2 subservicing 53:25 55:11,13
stamp 31:4 statement 31:12 42:9 180:6 181:25 56:17,23 64:23
ww
76:20 77:14 114:14 257:15 straight 149:17 182:7,11,13,16 66:7 78:15

100:23 247:1 statements straightened subsidiary 81:11 82:3
367 VALLEY AVENUE

Page 319
m
86:15 92:25 89:23 90:11 238:11,11 talked 90:14,14 38:17 49:17,18
95:2 97:13 Swiss 86:7 243:3 249:19 117:2 118:21 141:9,15
102:12 104:15 sworn 6:2 281:8 273:9 122:21 132:9 212:10,17,19
co
107:6,11,25 symbol 88:17 systems 82:12 132:14 136:15 212:20 213:21
113:11 119:18 system 30:7 118:22 163:17 141:5 159:12 213:23 214:6
120:14 121:4 35:20,22,25 163:18,20 162:7 186:4 tedious 274:7
d.
122:20 123:12 36:16 37:17,18 S-E-N 90:25 191:15 205:13 tell 6:12 7:14
124:8 125:23 37:23,24 38:7 S-O-N 90:25 212:11 231:18 25:1 37:13
131:6 132:4 41:11,25 42:20 91:1 233:22 250:17 38:6,22 39:1
au
135:4 137:14 42:21,21 47:8 253:2 256:20 46:21 47:6
139:18 140:6 47:19 66:2,3,8 T 273:5 51:10 52:5
140:18 145:9 71:5,22 72:22 T 282:1,1 talking 8:17 53:7 58:21,22
149:3 150:1 75:11 76:12 take 7:9 9:10,13 51:3,4 60:13 60:25 62:7,8
Fr
155:3 160:18 78:21 82:5,6 30:8 42:12 89:6 102:6 62:11 65:21
168:20 170:23 84:3,20 94:9 43:19 47:4 113:9 137:13 66:15 69:4
172:13 176:25 95:4,14 96:10 48:11,14 50:3 141:5 143:4,24 70:5,21,21
re
183:22 187:22 96:13,15,20,23 56:4 57:23 150:9 181:21 83:23 88:6
189:14 191:4 100:6,6,7,18 59:10 60:3 194:20 210:18 97:18 98:9,10
192:6 201:16 100:25 118:20 70:19 86:14
su 218:14 222:3 107:3 115:22
203:22 213:3,6 118:22 123:14 94:15 97:20 260:10,13,15 116:14 119:12
214:14,22 124:21 134:21 106:12 109:6,9 277:16 123:18 135:18
215:8 220:13 134:25 135:17 116:21 120:25 talks 268:4 140:25 143:18
clo
221:21 223:14 143:21 145:23 123:22 124:6 273:7 275:7 159:2 160:2
223:18,19 153:16 156:1 139:18 140:9 276:10 277:5 166:15 171:3
224:8 227:11 156:16 159:11 140:22 151:6 277:10 178:7 187:17
227:20 228:6 159:22 160:21 190:23 194:13 tape 50:3 149:25 212:21 227:12
re
228:22 229:1 160:22 162:22 199:2 205:21 150:1 187:21 233:10 235:12
233:20 239:10 163:7,24 170:7 214:21 216:4 215:22 221:20 274:8
244:9 246:1 170:11 184:21 216:16 220:8 221:22 telling 38:20
Fo
247:9 248:10 186:20 189:8 221:21 226:13 Tara 62:19 56:25 57:2,4
248:16 249:13 189:12 190:10 228:4,8 235:17 64:15 107:18 112:4
249:23 250:2 190:18,25 235:18 236:5,7 task 158:18 112:12 116:9
250:14 253:17 195:18,25 242:6,24 tasks 66:24 148:19 233:4
op
254:20,23 196:11,12 255:24 257:9 168:1 tells 110:22

275:11,25 197:15,21 261:20,22 team 12:18 14:9 ten 42:12 45:14
276:25 277:23 198:1 201:17 274:7 14:15,21 15:1 45:19 116:15
taken 1:15,18
St
279:3,24 201:19,23 64:9,17 90:13 234:7,9

280:10 207:21,23,25 78:25 90:15,22 184:2 term 8:17 11:17
surprised 42:19 208:5,6 212:1 takes 111:3 188:15 208:17 24:11 25:13
276:16
w.
suspense 174:9 215:21 217:22 208:22 248:22 33:23 34:4

176:11 269:25 219:3,5,7 talk 74:2 82:1,2 249:6 35:11 44:14
270:4 222:21 224:2 108:18 121:16 tear 251:18,20 71:10 101:11
sustained 110:1 228:1,10 211:2 227:23 252:15 175:7 244:24
ww
swear 5:14 231:22 232:2 233:1 240:5 tearing 251:21 249:6

Swenson 89:19 232:14,18 257:16 280:17 technology terminal 133:25
367 VALLEY AVENUE

Page 320
m
termination 227:22 232:16 156:9 209:16 156:9 161:3 176:4 180:16
37:22 242:25 248:1 third-party 23:7 163:5,6,21,22 183:5 186:4
terms 130:7,10 testimony's 209:8 210:4,9 164:17 168:18 196:16 205:16
co
181:20 61:16 264:17 169:16,18,19 206:20 214:4
test 114:13 Texas 55:4 225:8 thought 78:14 169:20 170:3 215:3 225:22
testified 6:3 225:15 227:8 159:12 211:18 170:14,24 236:11 237:19
d.
17:13 61:5 Thank 181:8 275:19 172:4 174:9 240:21 250:19
239:4 240:14 219:11 273:2 three 9:22 13:25 178:1 181:5 256:8 260:20
testify 6:23 they'd 93:23 19:24 27:4 190:11 195:18 274:22 279:16
au
34:13 35:3 96:8 90:14 118:22 196:20 199:2 today's 252:24
43:23,24 61:6 thing 13:4 21:7 129:3,22 203:23 205:23 told 22:10 63:1
62:2 78:3 21:21,25 26:22 136:20 163:17 216:15 217:13 70:1 102:10
103:22 105:21 44:1 114:2 163:18,19 219:9,10 229:4 254:6
Fr
108:19 114:3 116:25 123:23 172:14 195:5 233:2 252:24 tongue 8:21
159:14 196:16 184:5 205:8 205:5 245:7,10 256:6 266:3 top 10:19 15:22
224:24 236:17 213:15,20 threshold 55:9 271:13 275:2 18:21 38:9
re
240:21 214:8 225:4 tie 105:6 timely 172:6 49:16 52:12
testifying 42:20 273:19 tied 234:19 262:24 68:11 84:7,12
46:24 155:4,20 things 8:9 60:25 till 24:18
su times 6:12 275:4 87:12 88:11
179:10 81:24 82:1 time 1:19 6:21 title 7:22,25 8:7 93:1 113:9
testimony 12:4 90:19 103:7 8:20 11:14 8:8,12 11:7 117:12 143:23
12:21 17:9,12 114:3 138:2,22 12:4,12 13:10 14:8,14 16:13 160:1 162:21
clo
19:3,17 28:25 140:4 146:12 14:9 16:22 62:22 63:13 164:9 166:12
31:10 32:2,8 220:6 251:16 17:2,4 19:1,8 65:1 86:12,24 172:17 188:25
36:10 37:14 252:21 253:6 21:3,10 22:3 87:10 88:9,10 189:2 208:20
40:11 41:1,5 280:4 23:23 25:15,22 220:23 221:12 209:21,23
re
41:15 46:19,20 think 6:8 8:25 26:20 28:21 222:15 223:7 234:7,11 235:3
48:24 50:11 17:25 63:11 29:5 31:23 223:11,16,17 243:6 251:13
62:6 66:22 80:3 110:14,25 39:12 43:17 234:3 253:14
Fo
67:13,16 70:14 112:18 118:14 44:10 47:5 titles 8:10 14:12 topic 39:21
74:1 75:9 78:1 120:2,12 56:16 57:6,23 16:24 19:25 total 196:2 215:5
81:8 83:13 122:18 130:22 64:7 66:8 67:9 today 6:9,10 215:9
93:10 95:25 130:24 131:24 67:12,16 70:12 17:12 30:7,11 touching 211:19
op
99:24 104:9,11 131:25 132:1,2 72:8 73:14 30:14 36:10 Touchton 28:15
117:20 121:9 134:21 151:7 76:19 77:14 45:15 48:19,25 track 77:9,12,16
143:9 149:16 197:25 214:19 80:14 92:18 49:23 54:19 tracking 100:22
St
152:6,17,23 214:23 225:6 94:15,16,18 59:7 62:6 141:16 231:5

153:10 154:3 233:6 247:3,13 97:20 100:11 66:22 69:1 253:25
154:13 155:12 252:10 253:4 100:23 102:8 74:7 75:4,12 tracks 170:12
w.
156:3,18 253:17,17 103:5 105:3 115:14,17 traded 88:15

172:19,22 255:22,25 110:11,14 117:22 120:3 trail 214:9
176:9 178:4 256:11 280:13 111:2 115:4,11 121:11 132:10 train 102:25
211:13 216:11 280:15 115:13,17 132:19 133:22 103:2
ww
217:24 219:8 thinks 104:23 122:14 134:3 135:18 139:12 trained 232:10
224:16 225:12 third 2:8 115:4 151:6 154:6,20 155:19 156:3 training 32:19
367 VALLEY AVENUE

Page 321
m
32:20 99:13,16 trying 13:21 64:12 68:4 184:25 United 61:11,12
101:17,20,22 17:25 25:3 75:20 76:1 underscore 226:23 227:7
102:9 232:7 44:18 58:5 92:3 154:24 189:5,6,6 Unjust 271:20
co
253:20 69:20 89:11 156:4 159:7 undersigned unjustly 271:22
transaction 98:12 102:11 183:21 185:7 281:6 unmarked
37:20 101:12 105:12 107:2 191:5,6 192:16 understand 6:22 256:11
d.
103:18 121:7 107:12 113:2 204:5 216:25 7:4 12:21 unpaid 173:16
121:15 158:7 113:11 115:5 218:3 230:9 18:12 35:8 173:19
254:5 117:11 119:6 262:13 265:18 46:18 53:25 unreasonable
au
transactions 119:11 123:9 types 103:6 66:7 67:24 265:14
33:16,19 137:15,22 105:15 144:23 79:23 82:3 unwilling 120:7
243:22 140:18 151:5 182:2 218:2 85:6 86:16 update 51:21,24
transfer 77:11 214:3 223:19 typically 153:20 92:6 95:20 51:25 96:18,20
Fr
translates 224:19 275:22 223:6 231:18 105:12 107:12 183:24 190:5
168:22 275:23 T-A-R-A 62:21 107:15 120:6 updated 51:13
transmitted Tucker 20:18 121:8 138:24 218:2
re
200:25 26:18,24 27:3 U 148:4,15 149:3 updates 52:6
traveled 56:3 Tuesday 1:18 Uh-huh 11:5 168:8,21 96:22 162:22
trees 225:10 5:8 32:4,23 38:16
su 181:19 205:5 updating 146:11
tried 118:18 turn 158:2 40:25 52:1 213:17 215:1 upload 76:19
184:10 turned 247:24 80:2 82:7 260:23 279:15 124:18 149:8
trigger 215:22 turns 84:2 92:11 95:24 279:24 184:22,23
clo
trip 109:5 twitch 211:18 139:16 141:3 understanding 185:7 231:7
trips 173:6 two 9:19 11:16 150:16 157:14 9:12 72:19 uploaded 73:15
true 36:18,23 15:17 16:7 158:4 162:12 76:4,8 80:22 73:16 75:21
37:21 38:3 26:11 28:23,24 164:25 167:9 84:25 94:7 76:1,12,15,21
re
73:14 102:14 29:2 62:17 169:21 175:10 102:13 124:5 123:15 153:13
102:17 112:3,5 64:18 91:20 183:10 187:5 145:3,5,15 154:1 185:16
124:2 137:25 114:10 131:25 203:15 204:15 146:2,13 191:14 193:24
Fo
282:9 135:18 171:19 221:14 239:2 155:23 156:9 195:9 202:7

trust 79:25 181:15 192:11 255:9 276:6,12 159:3 162:2 217:3
80:14,16 81:16 194:6 195:13 277:7,24 278:7 179:17 182:20 uploading
81:17 168:2 195:20 197:4 ultimately 184:12 217:5,8 154:25
op
264:20 268:8 202:20 211:21 142:18 166:19 248:25 249:5 use 8:16 29:4,7,9
trustee 61:12 235:13 239:1 umbrella 9:14 understood 35:10 36:25
81:17 245:7,10 87:4 126:21 116:7 118:14 40:12 49:3
128:5 133:8
St
trusts 268:12,18 252:15 258:10 undertaking 50:22 67:2

truthfully 259:1,4 263:6 204:8 165:23 71:25 85:1,8
147:18 two-prong unauthorized underwriting 85:18,22 94:2
268:25 270:12
w.
try 13:20 64:21 114:13 219:20 220:19 96:10,12,17

68:24 97:24 two.With 224:8 271:24 222:4 102:21,23
122:25 135:19 TX 2:15 unclear 44:12 unfamiliar 109:20,22
140:3 181:6 type 13:1 17:17 unconscionable 36:11 120:13 125:5
ww
199:3 214:8 21:25 23:19 265:15 uninhabitable 128:4 228:2

231:6 280:6 25:23 26:21 underneath 87:3 257:19 261:7 229:22,25
367 VALLEY AVENUE

Page 322
m
232:10 252:18 vendors 136:25 74:24 189:13 260:14,23 279:8
260:14 255:11 196:25 262:5 weren't 25:17
user 31:24 71:22 verbal 129:15 violation 262:12 wanted 78:15 West 63:18
co
95:12 100:15 verification 263:8 81:11 96:2 we'll 31:5 34:22
134:20 135:16 152:16 vis-a-vis 168:25 97:25 110:2 43:24 53:17
159:6 162:14 verify 102:11 void 266:4 124:17 139:17 56:18 97:24
d.
163:17,17,18 118:8,9 134:12 voluntary 146:21 190:3 105:3 115:17
196:23 242:3 223:24 238:13 165:23 wanting 112:8 115:23,24
users 136:10 275:24 vs 1:6 wanton 267:20 116:16 118:6
au
uses 35:18,19 version 172:10 268:20 120:19 178:13
50:19 122:4 172:11 205:6 W wash 120:17 184:23 211:2,6
142:12 versus 5:4 210:9 wait 70:20 wasn't 116:6 214:19,21
usually 27:13 vice 7:19,23 8:13 110:17 131:24 135:13 137:12 229:7 251:14
Fr
Utilization 9:20,21,22,23 waive 130:5 238:24 252:17,20
212:20 9:24,25 10:5 walk 21:6 36:24 wasting 233:2 280:6
utilize 40:13 10:12,17 11:7 want 10:7 12:14 way 25:3 31:1 we're 8:17 33:23
re
50:24 51:6,9 11:10,24 14:21 31:3 34:13 53:2 54:23 34:3,16,18,23
51:12 73:6 28:17 32:5 37:12 43:19 55:23 69:17 40:4,11,20
85:3 148:2 45:2 49:18 44:22 46:17,18
su 70:4 82:14 43:18,23,24
149:1,20 62:13,17,23 47:6,6 48:16 96:8 135:24 44:9 45:12
167:11 185:7 63:7,14,19,23 53:18 55:11,13 138:13 148:11 49:22 59:6
220:5,7 64:4 65:2 56:2,14,14,23 166:15 200:22 82:24 103:13
clo
utilized 28:23 86:17 87:15 57:1 58:12 218:14 228:16 103:21,22
120:5 123:16 208:18 235:12 61:1 80:6 230:19 232:13 104:15,18
utilizes 83:11,19 Vicki 175:11 86:14,15 93:3 235:19 239:13 105:4 106:22
VIDEOGRAP... 94:19 96:9 261:13 265:21 106:25 108:15
re
V 2:19 5:1 50:2,5 104:24 106:16 266:21 272:24 108:18 109:18

vague 44:12,19 50:7 97:11,14 107:19,21 ways 71:2 110:15 115:13
Valdosta 27:12 97:16 119:21 109:16 112:14 web 32:18 115:17 116:24
Fo
27:13,24 119:24 128:10 118:13 120:1,8 101:22 117:21 122:18

valuation 245:11 128:12 145:7 123:18 129:13 website 88:12 130:9 137:13
value 144:6 149:24 150:2,5 129:19 132:2,3 web-based 32:20 138:3 139:1
192:10 187:20,23,25 137:18 140:4,9 weekly 21:15 143:8 151:18
op
various 38:22 194:16,18 140:21 149:2 64:12 160:16 164:2

79:10 239:5 198:13,15,20 155:3 158:1 welcome 53:23 180:24 198:19
266:13 198:22 221:19 165:14 184:4 WELLS 1:8 210:18 227:21
vast 112:9 192:7,12 199:2
St
221:23,25 went 14:5,5,6,9 233:2 235:21

vehicle 52:2,13 256:2,4 280:23 210:16,19 15:1,1 16:9 236:4,9 247:15
52:16 108:5 videotape 5:1 214:18 224:21 25:25 27:16 264:14 266:16
109:20 215:18 225:1,5,19
w.
50:8 97:12,17 35:7 77:13,16 266:20

veil 60:22,24 150:6 188:1 227:14 243:1 160:9 165:22 we've 30:20
vendor 206:1 222:1 256:5 246:25 247:15 175:24 203:22 50:18 56:3
229:19,21 videotaped 1:13 248:11 251:13 213:14 233:17 103:10 131:10
ww
241:20 262:10 3:2 282:7 251:18 255:24 247:12,23 141:4 178:25

262:14 view 37:14 73:6 257:11,16 248:12 257:25 196:14 207:14
367 VALLEY AVENUE

Page 323
m
207:14 251:7 261:1 273:1 98:3,12,17 211:23 213:6 150:18 155:6
256:6 257:10 281:9 103:15,23 213:18,23 155:21 156:19
whatsoever 41:7 Wood 1:3,4 5:3 104:9,12,14,21 214:2,14,22,25 166:10,11
co
42:4 99:13 5:4 75:3 80:11 105:8,12,23,25 215:2 221:21 182:17 191:17
228:21 269:3,5 103:21 106:25 106:4,8,11,15 222:2 224:18 239:9,20
270:23 272:3,6 107:5,7 128:16 106:20,24 225:1,18 244:25 280:6
d.
whim 108:11 133:4 236:1,19 107:2,6,9,11 226:12 227:11 worked 12:1,9
whims 103:25 241:6 270:23 107:25 108:3 227:20,25 22:11 24:18
104:1 woods 117:21 108:24 109:8 228:6,8,14,17 60:14 159:18
au
wide 105:4 139:10 141:18 109:11,16 228:21,22 working 10:20
108:23 234:20 152:12,15 110:11,17 229:2,11 31:19 89:15
Wilborn 1:4 5:4 157:4,20 225:8 111:4,6,9,14 230:16,21 works 38:11
75:3 264:24 267:16 111:19,21 233:3,5,8,14 63:7 84:20
Fr
WILLIAM 2:7 271:2 272:23 112:4,7,19,21 233:19 234:22 97:23 121:18
willing 118:9 Wood's 75:3 113:2,11,16,18 235:23 236:2,9 166:13
120:11 236:7 Wooten 2:3 3:4 114:6,14 115:5 236:22 238:23 workstations
re
Windy 20:13 3:6 5:15,15 6:6 116:1,6,13,19 239:3 246:25 157:1
winner 233:23 6:7,8 8:21,24 116:23 118:9 247:5,7,9,18 work-at-home
winners 234:4 30:25 31:7,9 119:7,10,20
su 247:22,25 166:14
274:12,14 31:15,16 34:1 120:14 121:4,5 248:15 251:18 world 69:25
275:7 276:5 34:6,8,9,16,20 122:1 128:8,13 251:21,25 224:11
278:21 34:22 35:1,9 129:18 130:12 252:2,7,9,15 worried 120:10
clo
wish 148:3 149:1 35:13 40:8 131:6,9 132:4 252:22 255:24 251:21
wished 165:24 43:25 44:22 132:7 135:14 256:6 260:6,9 wouldn't 42:13
withdraw 55:25 45:3,6,9,15,21 136:1,3 137:14 260:18 273:4 42:17 76:23
withdrawn 4:19 46:1,8,10,17 137:22 138:5,8 280:11,17,21 86:6 153:16
re
226:23 261:17 46:22 47:3,21 138:13,16,19 word 60:11 73:7 192:1 279:1
witness 5:14 6:3 48:6 49:11 138:21,25 232:3 would've 12:1
6:4,20 7:1 19:2 50:4,9 53:16 139:4 140:15 words 129:4 14:20 15:21
Fo
47:1 49:10 53:22,24 54:25 140:20 142:22 189:24 208:2 16:1 17:18
56:7 59:23 55:2,11,15 145:6,8,10 work 12:8 13:2 20:23 21:24
61:21 88:1 56:2,6,17,23 150:1,7 162:19 16:16 17:16 24:13 25:25
90:1,5 98:16 57:11,14,22 164:8 167:23 19:12 25:3,25 31:13 78:19
op
108:7 111:22 58:3,8,12,16 168:4,14,19 28:20,24 29:11 164:20 165:23

111:25 114:3 58:19,22 59:8 177:3,8 179:25 35:18 36:12 179:1 186:19
115:7 120:1 59:13,16,22 180:18 181:3 38:7,10 39:2 192:15 196:22
St
121:25 131:2,4 60:1,5,13,16 181:18 187:22 42:7 43:12 196:25 200:25

131:7 137:7 60:18,21 61:4 188:2 194:12 51:4 53:4,5,8 201:5,8,10,11
142:21 145:5 61:22 68:13,16 194:19 198:11 62:13,17 63:18 201:21 202:1
w.
162:18 164:3 68:19,22 69:13 198:16,19,25 63:20 65:23 246:18 248:3

168:17 181:2 78:12,17 80:9 201:20 205:20 67:19,23,24 250:15 257:6
181:17 201:19 83:1,2 84:14 205:22 207:5 68:8 71:24 write 19:14
207:4 233:16 84:17,24 87:24 207:13,18,20 79:12 91:21,23 214:17,17
ww
236:15 247:10 88:2 89:8 90:6 210:5,22,24 92:3 99:22 written 45:23
251:20 252:1,6 97:13,18,24 211:2,5,8,17 102:18 138:17 75:15 132:13
367 VALLEY AVENUE

Page 324
m
158:5,6 160:1 174:4 190:16 159:6 169:23 125 175:9 179:4 248:20
186:7 189:7 244:24 245:19 193:13,21 13 3:24 220:16 19th 175:9
wrong 11:23 247:19 252:23 195:13 233:13 220:19 222:5,5 190 4:13
co
114:9 121:2 252:24 253:4 235:8 246:22 222:6,7 261:15 198 3:17
228:17 230:18 255:24 273:5 250:14 257:5 134 166:3,25 1984 24:16
236:15,15 y'all's 138:19 275:8 278:8 136 164:23 1990 20:24
d.
270:11,12 1,335,168 193:22 138,482 258:11 1994 20:24
271:23,24 Z 1,453,112 194:9 139 3:13 164:11 1997 18:22
278:17 zero 13:14 15:12 194:22 14 3:25 222:5 1998 16:5
au
wrongful 114:18 97:4 1,468,858 195:5 224:6,9 262:12 1999 14:1
Wynne 2:13 1/10/2011 14,000 95:22
$ 281:14 140 3:14 164:10 2
Y $10 234:9 1:05 150:5 144 162:25 2 3:13 50:8
Fr
yeah 24:15 25:5 $10,563.72 196:3 1:25 198:10 145 162:25 139:1,2,7
25:21 30:16 $1300 121:1 1:55 186:25 147 162:20 2nd 184:14
60:13 124:5 164:15 10 3:21 205:18 149 162:13 257:17
re
125:23 140:17 $137,000 178:15 10/10 244:2 149,045.72 196:2 2:03 187:23
162:16 164:18 178:20 10:00 43:17 15 4:3,18 198:5 2:04 187:25
171:2 174:4,23 $138,000 176:6 10:07 50:5
su 229:9,12 2:10 197:7,22
175:3 186:21 178:21 10:10 50:8 230:17 263:10 198:5
198:11 207:12 $138,482 196:1 10:54 197:7,13 273:6 2:17 194:16,18
210:4 211:5 $20 234:8 10:55 197:15 15th 242:16 2:26 198:13
clo
214:12,16,23 $402,000 234:11 1000 2:14 150 161:19,20 2:30 97:19,20
233:16 236:2 $5,000 21:24 11 3:22 156:10 162:8 202:2 20 4:8 194:8
236:12 246:16 175:17 176:2 202:22,24 150s 179:2 243:13,15
246:20 247:3 177:18 259:12 203:7 218:21 151 161:8 268:4
re
247:13 252:12 $500 84:1 218:24 152 161:2 20th 183:7 187:1
276:9 277:14 $6,304.04 258:13 11th 237:4 153 160:23 2000 14:1 16:2,2
277:21 11:07 97:14 154 159:2 16:8
0
Fo
year 10:3 15:23 11:19 97:16 156 158:15 194:3 2001 16:2
48:17 255:20 05 10:8 2002 16:3 99:16
11:41 119:22 157 158:3,5
276:8,14 07 194:5 243:25 102:10
11:48 119:24 16 1:18 4:4
278:10 244:2,11,12 2003 12:2,15
11:52 192:23 232:19 256:19
op
yearly 278:10 248:17 2004 10:4 11:22

195:17 16th 5:8 45:15
years 7:17,20 08 9:11 12:2 221:7
11:57 128:10,12 17 4:5 193:22,23
12:11 13:25 08-0314 225:14 236:24
1100 2:9 236:20,24
16:7 19:22,24 08-183 1:2 5:5 2005 11:20 246:6
St
114 186:6 267:9

20:21 22:12,13 1 118 183:7 176 276:13 2006 184:14
24:12 25:20 12 3:23 122:6 178 221:8 257:17
1 3:12 5:2 30:2,5
26:11 27:4,19 2007 158:17,24
w.
68:17 118:11 202:23,24,25 18 4:6 11:3,4,19

Ying 188:4 202:25 203:1 11:20 194:9,22 159:6 165:1
119:14 134:5
y'all 82:1 84:22 219:15,18 195:5 237:10 169:24 175:9
164:23 253:20
97:19 98:1 222:5,6,7 18th 166:3 183:8 187:1
ww
282:8
122:25 123:7 12:23 150:2 19 4:7 135:15 190:7,13
1st 158:17,24
134:22 137:18 1235 221:8 240:25 241:2 193:21 194:21
367 VALLEY AVENUE

Page 325
m
195:13,24 198:2 269:8 30:6 34:23 54 188:7 80 241:5
196:17 220:15 24th 244:11 45:10,24 47:13 80s 24:13
220:25 221:2 261:22 47:25 49:7 6 89 24:18
co
222:15 233:20 240 4:7 50:11 69:8 6 3:4,17 141:25
242:16 245:19 242 4:9,10 155:20 180:17 158:17 198:23 9
250:14 261:4 243 4:8 309 210:20 199:7 222:1,15 9 3:20 32:14,17
6th 45:18 220:15 40:23 175:6
d.
261:17,22 245 4:11 32 3:20
275:7 276:4 246 3:15 3389 2:3 221:16 205:13 257:17
278:10,21,23 249 3:16 34 54:17,18,20 6,304.04 258:19 9:07:50 158:18
au
2008 233:13,18 25 4:13 68:17 67:2,5,7,9 6/15/2007 9:10 1:19 5:7
235:4,8 257:3 157:11 190:20 3400 2:14 244:14 9:17 193:25
257:5 275:8 190:23 193:12 35203-3367 2:9 6/18 165:1 90 15:12 169:22
278:8,20 193:17 194:2 3550946 158:16 6/4/07 202:2 90-day 13:14
Fr
2009 1:18 5:8 195:21 197:2,6 193:10,24 6/5/07 202:6 91 20:24
39:14 255:21 197:14,18 36831 2:4 60 12:5 97 12:14
281:10 282:15 25th 281:9 37 195:23 601 1:20 99 16:2
re
202 3:18 282:15 67 187:2
203 3:19 253 4:14,15 4 67471976 202:22
205 3:21 254 4:16 4 3:15 141:14
su 67471977 202:23
21 4:9 242:4,7 255 4:17 150:6 211:25 67471979 202:5
244:13 245:13 256 3:5 246:7,10 69 4:12
21st 193:14 26 4:14 253:8 4th 39:14 45:18
clo
194:8,21 27 4:15 253:22 4,000 258:19 7
195:14 273 3:6 4:41 119:21 7 3:18 142:7
2100 2:8 28 4:16 21:16 4:51 256:2 202:12,15
218 3:22 216:19 254:1 40 193:25 256:5
re
219 3:23 280 282:8 4137583 193:6 7th 45:19

22 4:10 164:12 281 3:7 195:19 71874430 194:23
242:21,25 282 3:8 4368311 197:3 71874554 195:3
Fo
22nd 195:23 29 4:17 255:3,6 44 192:24 195:17 73 186:16

196:17 221:7 49 192:18 73300397 197:17
237:2 246:6 3 73316049 197:22
220 3:24 3 3:14 97:17 5 198:9
op
224 3:25 140:13,25 5 3:16 188:1 77002-5011 2:15

229 4:3 211:10 212:9 249:15
3/29 243:25 249:18 251:14 8
23 4:11 164:10
3:03 198:15,20 5th 244:11,18 8 3:19 142:23
St
245:24 246:2
3:12 198:22 5,000 179:7 150:9 203:16
23rd 258:9
3:49 221:23 5/25 248:17 203:20
232 4:4
3:56 221:25 5:06 166:3 256:4 8/21 190:7,13
w.
236 4:5
30 3:12 10:25 5:30 1:19 280:24 194:5
237 4:6
124:18 232:24 280:25 8/21/07 192:23
24 4:12 69:2,18
30th 220:25 5:42 202:6 8:38 193:22
75:7 117:22
ww
221:1,2 50 91:19 8:45 194:6,8

118:8 132:22
30(b)(6) 6:20 53 190:4 8:48 194:7
157:12 197:20
367 VALLEY AVENUE


Newland 61609 - Vol. Ie

Uploaded by

Copyright:

Available Formats

Newland 61609 - Vol. Ie

Uploaded by

Document Information

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Newland 61609 - Vol. Ie

Uploaded by

Copyright:

Available Formats

FREEDOM COURT REPORTING

Taken on behalf of the Plaintiffs

DATE TAKEN: Tuesday, June 16, 2009

601 Riverside Avenue

REPORTED BY: Cindy D. McClary, RPR, CRR

367 VALLEY AVENUE

WILLIAM P. LAWLER, JR., ESQUIRE

SHERYL L. NEWMAN, LPS

ASHLEY HOLT, VIDEOGRAPHER

367 VALLEY AVENUE

15 Plaintiffs' Exhibit No. 4. . . . . . . . . . .246

17 Plaintiffs' Exhibit No. 6. . . . . . . . . . .198

19 Plaintiffs' Exhibit No. 8. . . . . . . . . . .203

21 Plaintiffs' Exhibit No. 10 . . . . . . . . . .205

23 Plaintiffs' Exhibit No. 12 . . . . . . . . . .219

25 Plaintiffs' Exhibit No. 14 . . . . . . . . . .224

367 VALLEY AVENUE

16 Plaintiffs' Exhibit No. 28 . . . . . . . . . .254

17 Plaintiffs' Exhibit No. 29 . . . . . . . . . .255

19 was withdrawn and retained by Plaintiffs' counsel.)

367 VALLEY AVENUE

15 MR. WOOTEN: My name is Nick Wooten, and I

17 MR. CASH: My name is Mike Cash, and I

19 Bankruptcy Solutions, a defendant in this action

21 MR. LAWLER: My name is Will Lawler, and I

23 defendant in this action.

367 VALLEY AVENUE

15 Q What was that in reference to?

17 Q Okay. And was that where Fidelity was a

21 for Fidelity at that time?

23 Q Did you testify individually or as a

367 VALLEY AVENUE

15 you've been an employee of Fidelity National

17 A Approximately five years.

21 Q The position that you currently hold,

23 A I'm first vice president of operations.

25 title, please, sir?

367 VALLEY AVENUE

15 MR. CASH: Just for the record to be clear,

17 term Fidelity, we're talking about the defendant

19 Solutions? Then we just don't have to repeat it

21 MR. WOOTEN: It'll probably save my tongue,

23 MR. CASH: Okay.

25 Q I think that's what the industry more or

367 VALLEY AVENUE

17 A No, I was not.

19 sure I'm clear about this. You've only held two

21 the other is first vice president of operations?

23 president, I was promoted to vice president then

25 Q So your entry point was as assistant vice

367 VALLEY AVENUE

17 Q And when were you promoted to first vice

19 A I don't recall off the top of my head.

21 you previously employed?

23 Q And did you leave Option One and come

25 A After 30 days of being nonemployed, yes.

367 VALLEY AVENUE

15 A We had just become a partner approximately

17 Q And what was the term of your employment

23 Q I'm sorry. I was looking at your -- wrong