Date: January 8th, 2010

BAC Home Loans Servicing, LP

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Da%%as, &' ()2""
Home *ner
Loan +um,er: 8(102(10(
Pro-erty A..ress: Home o*ner/s a..ress
Dear 0a.am or Sir:
&his corres-on.ence *i%% serve to memoria%i1e my 2hereina3ter 4Borro*er56 .is-ute *ith
the a,ove re3erence. mortgage %oan through your o33ice, an. as +otice o3 my 7ntent to
3i%e %ega% action -ursuant to 8eorgia Co.e 9:: *ithin ;0 .ays 3rom this .ate:
<urther this notice *i%% serve as a notice to rescin. the a,ove re3erence. mortgage %oan
,ase. on your vio%ations o3 each o3 the 3o%%o*ing 3e.era% an. state %a*s, inc%u.ing, ,ut
not %imite. to, the &ruth in Len.ing Act =4&7LA>5 an. ?ea% @state Sett%ement Proce.ures
Act =4?@SPA5>, Ca%i3ornia An3airBDece-tive Business Practices Act, Breach o3 <u.iciary
Duty, Breach o3 the 7m-%ie. Covenant o3 8oo. <aith an. <air Dea%ing, Civi% Co.e9:,
an. others:
P%ease ,e a.vise. that the security interest in the a,ove re3erence. -ro-erty is no* voi.
-er this notice, an. you have t*enty =20> .ays to return a%% -ayments ma.e on this %oan
an. to .o your -art to terminate the security interest in this home: A-on com-%iance *ith
the a,ove, *e *i%% ,e contacting you to .iscuss the ten.er o3 the re.uce. -ayo33 amount
su,Cect to o33set a%% .amages an. costs:
VIOLATION OF TRUTH IN LENDING ACT (TILA)
&he -ur-ose o3 &7LA is 4to ensure meaning3u% .isc%osure o3 cre.it terms to ena,%e
consumers to ,e in3orme. a,out the cost o3 %oans an. to com-are the cre.it o-tions
avai%a,%e to them:5 73 the interest rate is not 3i!e., then the &ruth in Len.ing Disc%osure
Statement must in3orm the ,orro*er o3 the varia,%e rate 3eature o3 the %oan: A..itiona%%y,
3e.era% courts have he%. that 4a mis%ea.ing .isc%osure is as much a vio%ation o3 &7LA as a
3ai%ure to .isc%ose at a%%5
S-eci3ica%%y, 7 am *riting to reDuest co-ies o3 a%% .ocuments -ertaining to the origination
o3 the mortgage inc%u.ing:
ESett%ement Statement HADF1 EA--raisa% ELoan A--%ication
EA%% ?ight to Cance% <orms EA%% 8oo. <aith @stimates ECommitment
Letter
<HA 0ortgage 7nsurance Certi3icate E<@0A <%oo. +oti3ication EHa1ar.B<%oo.
Po%icy
EA?0 Program Disc%osure ECHA?0 BooG%et E&it%e
Commitment
E<irst Payment Letter EA.verse +otice EPurchase
Agreement
EBuy.o*n Agreement E0ortgage BroGer AgreementEPrivacy Po%icy
ECre.it Documents EA%% State S-eci3ic Disc%osures
EC%osing 7nstructions
ELocG 7n agreement ESection ;2 Disc%osures E+ote
E0ortgageBDee. o3 &rust EA%% &ruth 7n Len.ing Disc%osure Statements
EH@LC Agreement H Disc%osures EPrivate 0ortgage 7nsurance Certi3icate
EAsset Ieri3ication Documentation E7ncome Ieri3ication Documentation
E8i3t <un. %etters an. veri3ication E7temi1ation o3 Amount <inance.
ES-ecia% 7n3ormation BooG%et on C%osing Costs EContro%%e. Business Arrangement
Disc%osure
EA co-y o3 the %oan history inc%u.ing a%% -ayments ma.e, a%% 3ees incurre., *hat has
,een -ai. out o3 the escro* account, an. ho* a%% -ayments *ere a--%ie.: &his
in3ormation shou%. cover the entire %i3e o3 the %oan:
A..itiona%%y, this %etter sha%% serve as my *ritten reDuest un.er &7LA 1) ASC 1"$1=3>=2>,
*hich man.ates that you, as the servicer, -rovi.e me the i.entity o3 the true note ho%.er,
inc%u.ing their name, a..ress an. te%e-hone num,er o3 the o*ner o3 this o,%igation:
&he reason 3or o,taining this in3ormation is to assure that the terms an. con.itions are
reasona,%e an. a33or.a,%e throughout the term o3 the %oan an. that 7 *as not a victim o3
-re.atory %en.ing an.Bor servicing -ractices:
Jou shou%. ,e a.vise. that you must acGno*%e.ge recei-t o3 this Dua%i3ie. *ritten
reDuest *ithin 20 ,usiness .ays, -ursuant to 12 A:S:C: Section 2"0)=e>=1>=A> an. ?eg:
', Section ;)00:21=e>=1>:
&hanG you in a.vance 3or taGing the time to acGno*%e.ge an. ans*er this reDuest as
reDuire. ,y the ?ea% @state Sett%ement an. Proce.ures Act =section 2"0)=e>>:
Sincere%y,