From: Lance Cassino <lancecassino@msn.

com> Sent: Tuesday, March 24, 2015 1:36 PM

To: 'McCarty, Joanna B'
Subject: This is a courtesy email regarding my ERROR RESOLUTION AND INFORMATION REQUEST sent certified today -
see attached.

Hello Joanna,

This is a courtesy email to you regarding my ERROR RESOLUTION AND INFORMATION REQUEST to
Chase sent certified today – see attached.

Instead of working on providing all requested in this ERAIR letter, if Chase would rather do the right thing, due
to serious Chase issues that could lead to refunding all payments with interest and other related damages**,
please do so by filing a “REQUEST FOR RELEASE OF DEED OF TRUST” like Cassino’s previous request
for release of deed of trust recorded 12/15/2005 – see enclosed copy in attachment.

Respectfully,

Lance R. Cassino
POB 1050
Conifer, CO 80433

** after not winning in state court and partially settling paying $10,000 for Cassino’s attorney fees in March
2013 and not winning in Federal Court - after Cassino withdrew without prejudice. In both cases Chase has
these issues:
1. No original note as it was deemed “lost” after likely shredding (with 2 robosigned/faulty notary
affidavits “explaining”;
2. No indorsements and no allonges impressed or attached to lost note;
3. A deed of trust that has only 5 vacant acres on it (not adjoining 5 acres with home);
4. The vacant 5 acres on the deed of trust has part of my neighbors home on it;
5. The admission by JP Morgan Chase Bank N.A. in 13 billion settlement with the FDIC made
November 19, 2013 (from Exhibit D 13) - let alone the Lawrence Nardi deposition in FL 2011.
6. Cassino’s TILA rescission letter dated January 30, 2015 – see enclosed copy in attachment.

From: McCarty, Joanna B [mailto:joanna.b.mccarty@chase.com] Sent: Wednesday, January 07, 2015 12:18 PM
To: Lance Cassino
Subject: RE: Erin essentially denied our claim. Are you still represented by counsel? RE: work directly with Chase
regarding resolution. FATIC Claim CO-110920

Hello Lance,

We cannot release or subordinate, that’s our interest in the property, because that is our interest in the
property. If you can’t subdivide without that, we are going to be forced to file another claim with the title
company.

Thanks,

Joanna B. McCarty, Esq.

Associate Counsel
JPMorgan Chase Bank, N.A.
Mortgage Banking Legal Department
4 Chase Metrotech Center, 18th Floor
Brooklyn, NY 11245
(P) 718-242-0029
joanna.b.mccarty@chase.com

From: Lance Cassino [mailto:lancecassino@msn.com]

Sent: Tuesday, December 23, 2014 2:59 PM
To: McCarty, Joanna B
Subject: RE: Erin essentially denied our claim. Are you still represented by counsel? RE: work directly with Chase
regarding resolution. FATIC Claim CO-110920

RE: Erin essentially denied our claim. Are you still represented by counsel?

Hello again Ms. McCarty,

You may not be aware of my case details, but that is what Steve Navaro and I did in the “partial settlement” in
state court.

We denied Chase’s claim of note holder in due course, but if that fact could be absolutely proven to us in the
future (accounting records, tax records, consideration paid) along with Chase actually doing a loan modification
of just the loan principal, interest and term (not a new loan) then we would proceed with the minor adjustment,
splitting with Chase ? First American Title the estimated $2,200 or so cost.

The conditions and wording was to give us an out of the partial settlement due Chase not having capacity or
standing to enter into a contract – our partial settlement. By shepardizing/proving that the further evidence we
had from other Chase cases (where Chase admitted it is not successor-in-interest to WaMu loans), is accurate
and citable. Including issues with MERS in other citable cases.

Anyway we – Chase and the Cassino’s - have been in a stalemate for almost 2 years.

So, instead of Chase and ? First American Title paying half of the cost for a minor adjustment over Chase’s
alleged lien in the settlement agreement that Chase had no capacity or standing to contract, here is another
option for some good faith and good will by Chase/First American Title, in a case devoid of good faith and
good will by Chase.
I’ve been “conditionally” approved for a “temporary” reverse mortgage of approximately $125,000 to do a full
blown subdivision of my current 2 parcels of my home and 45 acres into 5 parcels each a buildable home site.
One 5 vacant acre site that is on the deed of trust and has my neighbor’s home partly on it, one 10 acre site with
current home and 3 new 10 acre home sites. This subdivision could cost in the neighborhood of $10-15-20,000
and take 6-9 months which I do not have funds for without the reverse mortgage to both pay for and improve
my financial ability to complete the subdivision. The balance of the funds are to pay off a $75,000 note on 40
vacant acres I own ¼ to the south of my home and for some home improvements.
The condition is the title company - First Integrity Title Company - requires a release (or partial) or
subordination of the deed of trust. See Mr. Jerry Spaeth’s email below on this condition .
With Chase’s cooperation on doing this, nothing is really lost by Chase, as the Chase 11/26/2012 appraisal of
the home and 45 acres with 2 parcels was for $455,000. When the subdivision is complete, this is the value of
the 5 parcels:
Parcel 1 - Home and 10 acres $375,000 per Chase 11/26/2012 appraisal of the home and 10 acres only.
Parcel 2 - 5 vacant acre home site $145,000 – with neighbor’s home partly on
Parcel 3 - 10 vacant acres home site North - $200,000
Parcel 4 - 10 vacant acres home site Middle - $200,000
Parcel 5 - 10 vacant acres home site South - $200,000
Total approximately $1,120,000
I’ve attached vacant land comparables for Conifer, CO 80433 that supports the above values and my property
listings with Craig Marks of Keller Williams at www.SilverLinksRanch.US.
When the subdivision is completed, I will sell only 1 of the 3 new 10 vacant acre parcels and payoff the reverse
mortgage on the home and 45 acres. The remaining parcels are for our 4 grandchildren and will be eventually
put into the adjoining Cassino Family Real Estate Trust of a cabin and 120 acres recorded 8/19/2010 with
Jefferson County Clerk & Recorder.
Bottom line, this requested cooperation and good faith and good will from Chase, only improves both sides
position to really settle one way or the other - in the future and without Chase and ? First American Title paying
for half the cost of the minor adjustment, as I will pay for the entire subdivision cost in exchange for Chase
cooperation with First Integrity Title company on the reverse mortgage.
And, when and if the real note holder in due course shows up, we are more than able and ready to fully settle
this matter. We are not trying to get a “free home” per our pleadings in both state and federal court.
Please review with Chase management.
Thank you and happy holidays.
Lance Cassino
p.s. regarding “Are you still represented by counsel?” – not at the moment. I am a certified paralegal that
prepares reports for real estate attorneys, title attorneys, investors and more. When I need to retain an attorney I
will like I did with Mitchell J. Stein, Keith Gantenbien and Steve Navaro.
================ First Integrity Title Company email =====================================

From: Jerry Spaeth [mailto:Jerry@firstintegritytitle.com] Sent: Tuesday, September 30, 2014 11:08 AM
To: Dan Riddell; 'Lance Cassino'
Cc: Bruce E. Simmons
Subject: RE: Please let me know if you have any questions or concerns. > RE: have Chase release their interest on the
40 acres that you are trying to get the mortgage on

Lance, feel free to call me or email. My direct line is 303-209-0330. I understand everything you wrote but
until a court rules that one or both parcels are not encumbered, we have to require a release (or partial
depending on what the new deed of trust is going to encumber) of the deed of trust.
Thanks,
Jerrold F. Spaeth, Esq.
President & Gen. Counsel
First Integrity Title Company
950 South Cherry Street, Suite 1220
Denver, Colorado 80246
303.837.9171 Office
303.484.6081 Fax
www.firstintegritytitle.com
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===============================================================================

From: McCarty, Joanna B [mailto:joanna.b.mccarty@chase.com] Sent: Tuesday, December 23, 2014 11:19
AM
To: Lance Cassino
Cc: Lynn and Betty Cassino
Subject: RE: Erin Woods statement "Please be advised that First American received a claim directly from
Chase regarding this matter and at this time we do not intend to take further action > RE: work directly with
Chase regarding resolution. FATIC Claim CO-110920

Hello Lance,

I did receive your e-mail. And yes, Erin essentially denied our claim. Are you still represented by counsel?

Thanks,

Joanna B. McCarty, Esq.

Associate Counsel
JPMorgan Chase Bank, N.A.
Mortgage Banking Legal Department
4 Chase Metrotech Center, 18th Floor
Brooklyn, NY 11245
(P) 718-242-0029
joanna.b.mccarty@chase.com

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