eLynx Document Fabrication and Expedited Forgery System

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COMBO Title and Securitization Search, Report, Documents, Analysis & Commentary GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE

DEVIL IS IN THE DETAILS

eLynx integrates electronic document delivery, online forms, electronic consent, and eSignatures into commercial client’s portals. Information and documents from multiple systems of origination can be presented within a single, consistent interface. Borrowers can provide information back to you securely and electronically. They don’t mean ‘consumers’ they mean everyone else.

Please include in your knowledgebase about LPS/DOCX remediation’s, the nationwide network of attorney’s & title & settlement agents who are eLynx and/or eDelivery participants and not part of MERS as a MEMBER but the ‘common denominator’ of all ‘retail’ escrow transactions who link to the MERS members through other services including LPS/DOCX and eLynx and TD Services.

TD Services dba TD Escrow (special services just for non-judicial states) part of the MERS network. Look at graphic revealing ‘MERS’ and Fidelity and the cloud and….

Consider the fact in the member profile, that MERS identifies who is an eDelivery and eParticipant — a rather significant fact that the systems and transactions are indeed integrated. Many have asked ‘what is eDelivery and eParticipant’ well its eLynx members who are integrated with MERS Members

Who is the MERS MEMBER? First 7 digits of a ‘Min’ # are the ‘Members ID number assigned. You can view the profile of the member who handled one transaction controlled by a 10 digit agreement (sale or purchase) number followed by a hyphen and control digit. Not all transactions are recorded in MERS long arm reach database. But LPS and DOCX and TD Services and eLynx all are integrated to communicate via the ‘cloud’ internet.

For those of you who have never viewed a ‘MERS’ Member Profile pay particular attention to eRegistry Participant and eDelivery Participant and Lines of Business.

Remind yourself that Wells Fargo Commercial Bank does not do residential mortgages clearly restated June 1998 in the public domain. Mark Oman of Norwest and Pete Wissinger liked the ‘stagecoach’ private brand label better than the ‘Norwest’ image of Alt-A assets and subprime lending.

Example of ‘servicer’ and ‘escrow’ transactions both eRegistry and eDelivery.

Corporate Name: GMAC Mortgage, LLC
Address: 3451 Hammond Ave Mail Code 507-345-186
City,State,Zip: Waterloo, IA 50702
Toll Free Number: (800) 766-4622
Direct Number: (800) 766-4622
Fax Number: (999) 999-9999
Primary Contact: GMAC MERS Dept.
Website: http://www.gmacmortgage.com
Member Org ID: 1000375
Lines Of Business: Originator, Servicer, Subservicer, Investor, Document Custodian

eRegistry Participant: Yes
eDelivery Participant: Yes

Notice ‘eDelivery’ an enterprise-wide eDelivery solution including Settlement Agent Management and integrates with ‘MERS’.

Settlement Agent Management ‘common denominator’ for all ‘retail’ servicer escrow transactions nationwide.

“With the increased risk of fraud and greater need for scrutiny in the loan process, lenders need more transparency with their closing partners and agents.

The Settlement Agent Management (SAM) component of the eCN from eLynx gives lenders the tools and information they need to work with their closing partners.

At the heart of eLynx’s electronic closing network (eCN) is SAM. 100,000 of the nation’s closing agents are registered and maintained within eCN. Registered agents handle closings for virtually every bank in the US. It is a simple process taking a settlement agent just a few minutes, but it greatly reduces a lender’s risk of fraud perpetuated by closing agents.

SAM also provides greater visibility into the status of the closing including the scheduled closing date and information about funds disbursement.

eLynx (company) products tracks and audits document delivery & receipt even can automatically print and mail documents if eDelivery is not successful

“For over a decade, eLynx has provided the most secure eDelivery applications available, allowing you to securely send data and documents wherever they need to go.”

Provides secure document delivery with tracking and auditability
Combines multiple documents into a single document or package to simplify consumption

Can include optional E-SIGN and UETA-compliant eSignatures

The great advantage of eDelivery is the speed. Instead of waiting for days to receive a document in the mail, a notice arrives in email almost instantaneously. eLynx’s eDelivery services require different levels of authentication to pick-up the information, which is much more secure than regular email.

Technology includes: HUD-1 Reconciliation; eDelivery, eSignature, eClosing, Collaboration, Fraud Mitigation, On-demand Platform, Document Viewing, …

Read description of ‘eDelivery’ on eLynx and you’ll understand how the attorney and settlement agent were part of the nationwide title & settlement services ‘retail’ escrow transactions linking to MERS. You’ll begin to understand the original note is scanned digitally and reproduced as needed.

NOTE: 10 Year life span of GMAC Mortgage of Iowa, GMAC Mortgage of PA, in 2006 sold and become new entity GMAC LLC. Financial Holding Companies must sell all affiliates and non-bank affiliates per rules of FED and they sell back to themselves in a different name or whom they are instructed to sell to.

So any MERS transactions and retail escrow funding GMAC Mortgage, LLC dba as a business entity in PA where the website used as a registered fictitious name for another registered fictitious name GMAC Bank and we wonder why consumers as borrowers are vulnerable? don’t know this servicer will take consumer property into pipeline for benefit of beneficiary their parent not the consumer.

INQUIRING MINDS WANT TO KNOW:
HOW DID ‘CHASE HOME LENDING’ A ‘SUB-SERVICER’ at Retail who did not record their own MIN 18 digits used third party temporary lenders, and Chase listed below was not a eDelivery participant with eLynx. Hmmmmm.

Corporate Name: Chase Manhattan Mtg. – Deerfield
Address: 780 Kansas Lane
City,State,Zip: Monroe, LA 71203-4774
Toll Free Number:
Direct Number: (318) 699-4636
Fax Number: (318) 555-3344
Primary Contact: Rachel Pylant
Website:
Member Org ID: 1000565
Lines Of Business: Subservicer, Investor

eRegistry Participant: No
eDelivery Participant: No

NOTE: Chase Manhattan Mortgage Corporation 1996/1997 affiliate of Norwest with GMAC-RFC – largest producer of non-conforming mortgage products not eRegistry nor eDelivery. Hmmmmmm.

INQUIRING MINDS WANT TO KNOW HOW DID ‘Wells Fargo Home Mortgage’ storefronts from June 2004 forward nationwide active as ‘eRegistry and eDelivery participants for both originations and servicing through the Minneapolis MN – Correspondent Business Operations? was never an ‘investor’? Hmmmm. Not therefore ‘Wells Fargo Bank NA’ hmmmm.

Corporate Name: Wells Fargo Home Mortgage
Address: 2701 Wells Fargo Way X9998-012
City,State,Zip: Minneapolis, MN 55467
Toll Free Number:
Direct Number: (651) 605-3711
Fax Number: (952) 562-0980
Primary Contact: Masse Adjetey
Website:
Member Org ID: 1005298
Lines Of Business: Servicer, Subservicer, Investor, Document Custodian
eRegistry Participant: Yes
eDelivery Participant: Yes

NOTE: EMAIL of ‘wellsfargo.com’ ordering title & settlement agents and local attorneys for their ‘mortgage brokers’ to place title policy in name of ‘x’ lender and for ‘x’ amount…. hmmmm. did order the retail escrow transactions – and are the recognized nationwide lender who does not do ‘mortgages’ and integrated in the title & settlement agency of former PHH and Cendant Settlement Services morphed into 4 IPO’s 2006-2008 – hmmmmm.

eLynx Webinar: Executing Your eLending Strategy for Fiserv Customers

So read all about Electronic Closings referred to Post Close and Servicing phase of loans, documents converted to paper because lenders lack infrastructure for secure electronic delivery of servicing documents to borrowers. Electronic documents require signatures and without the ability to capture binding signatures electronically, you may have to rely on wet signatures (or blue ink) which would require in-house staff to process and scan incoming mail before you could leverage electronic delivery to borrowers. eLynx can help you (clients of commercial banks) to automate the entire post close and servicing operations.

27 Responses

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  2. Affiliates and subsidairy of Wells Fargo Bank NA

    Cornerstone Mortgage Company dba Brayden Capital Home…
    Marcus Laird CEO

    Judith Belanger COO

    Docket No DBF-MBL-11-008

    7/21/2001

    Georgia Department of Banking and Finance

    GRMA

    Georgia Residential Mortgage Act O.C.G.A. Supra 7-1-1000 et seq. C&D

    BE CAREFUL WHEN SEARCHING FOR ‘DISCOVERY’ THAT YOU FIND THE SUBSIDIARIES AND DBA’S

  3. The ‘collateral’ of the former registrants incorporated into the ‘new’ and improved’ holding company in State of DE. I’m trying to figure out if TD Services dba TD Escrow Services is TDS as discussed inside of the LSTA (Loan Syndications Trade Association) as ‘their product’ including LLI.

    TD took assets and moved through USA in Holding Company in DE in order to reorganize and do business over NYSE and took back control in a short merger end of 2001.
    http://www.secinfo.com/dsvr4.4FGQk.d.htm
    DEALER PROSPECTUS DELIVERY OBLIGATION
    Credit Enhancement:
    Subordinate their risk using the ‘credit lines’ and ‘collateral’ required of the clients.
    In the event the counterparty is unable to meet its contracted obligation to return customer securities delivered as collateral, the Company may be obligated to purchase the securities

    TD Waterhouse Group Inc
    Click on these tabs to view other information related to TD Waterhouse Group Inc.

    View: Registrant About Filings
    Files Relationships Names Topics Sites All

    5 SEC Files (as “Issuer”)
    First Filing Last Filing SEC File Act Filings

    6/17/99 11/27/01 001-15101 ’34 8-A12B, DEF 14A, 10-K, NT 10-Q, 10-Q, 8-K, 15-12B
    2/14/00 11/23/01 005-58409 ’34 SC 13G, SC 13G/A, SC TO-C, SC14D9C, SC TO-T, SC 14D9, SC 13E3, SC 14D9/A, SC 13E3/A, SC TO-T/A [ * ]
    6/27/00 333-40236 ’33 S-8
    6/23/99 333-81345 ’33 S-1MEF
    4/30/99 6/23/99 333-77521: IPO ’33 S-1, S-1/A, 424B1, S-1MEF
    The Registrant hereby amends this Registration Statement on such date or
    dates as may be necessary to delay its effective date until the Registrant shall
    file a further amendment which specifically states that this Registration
    Statement shall thereafter become effective in accordance with Section 8(a) of
    the Securities Act of 1933, or until this Registration Statement shall become
    effective on such date as the Commission, acting pursuant to said Section 8(a),
    may determine.

    U.S. AND INTERNATIONAL UNDERWRITING AGREEMENT

    June 22, 1999

    Credit Suisse First Boston Corporation
    TD Securities (USA) Inc.
    As Representatives of the several U.S. Underwriters,
    c/o Credit Suisse First Boston Corporation (“CSFBC”),
    Eleven Madison Avenue,
    New York, N.Y. 100103629

    Credit Suisse First Boston (Europe) Limited
    THE TORONTO-DOMINION BANK
    As Representatives of the several Managers
    c/o Credit Suisse First Boston (Europe) Limited (“CSFBL”)
    One Cabot Square
    London, England E14 4QJ

    The ‘loan trusts’ are a mirror image of the higher end ‘brokerage’ transactions in which TD Watherhouse is the ‘TRUSTEE’ if you will. Right?

    The Reorganization
    In connection with the initial public offerings of our common stock on June 23, 1999, TD Bank reorganized its worldwide discount brokerage operations so that they would be consolidated into our company and our subsidiaries. This reorganization included the following steps:

  4. COURT OF APPEALS
    State of Washington
    DIVISION II

    Case No. 342963-8-II Nperce Co. No. 04-2-08541-7
    T.D. ESCROW SERVICES, INC. d/b/a T.D. SERVICE COMPANY, a Washington Corporation, T.D. SERVICE FINANCIAL CORPORATION, a California Corporation,
    U.S. BANCORP, f/k/a FIRSTAR BANK, NA, a Washington Corporation,
    State of Washington

    Notes from 6/27/2005 County Clerk Office Pierce County Washington
    Discussion on Deed of Trust

    In 1998, The Legislature Mandated That Delivery and Recording Are Necessary For Completion of Sale.

    In 1998, the Legislature amended the statute and clarified these
    ambiguities concerning finality of sale and transfer of deed:
    When delivered to the purchaser, the trustee’s deed shall convey all of the right, title, and interest in the real and personal property sold at the trustee’s sale which the grantor had or had the power to convey at the time of the execution of the deed of trust, and such as the grantor may have thereafter acquired. If the trustee accepts a bid, then the trustee’s sale is final as of the date and time of such acceptance ifthe trustee’s deed is recorded withinmeen days thereafter. After a trustee’s sale, no person shall have any right, by statute or otherwise, to redeem the property sold at the trustee’s sale. (Emphasis supplied).

    The deed of trust is a three-party real property security device involving the debtor (or ‘grantor’), the lender (or ‘beneficiary’), and the trustee.

    Upon default by the grantor, the beneficiary may either foreclose the deed of trust judicially, as a mortgage, or direct the trustee to commence the non-judicial foreclosure process.

    Prior to initiating foreclosure, the act requires that a default has
    occurred and that no action is pending to enforce an obligation secured by the deed of trust.

    Only then, after giving 30 days notice and an opportunity to cure, may the trustee begin the foreclosure proceedings

    The trustee of a deed of trust occupies the most important role in the non- judicial proceedings. The trustee assumes a role of fiduciary for both the mortgagee and the mortgagor

  5. OPPPSSSS – TDSF.com website oddly down? offline ? Hmmmmm. Interesting coincidence

    ian – w ‘anyone’ can file a notice of default – blank form on TD Services website:

    ‘Foreclosure’s Notice of Default’ Foreclosure request screen oddly enough just opens to anyone?

    https : // www . tdsf . com / rqsnod . htm

    TD Services dba TD Escrow Services,

    TD is a partner in a number of networks and a PREMIER provider for several industry providers including MERS.

    Look at cover pages provided in Discovery for “TD ”

    any DISCOVERY DOCUMENTS look for ‘TD’
    All dirty deeds done by the non-judicial state ‘TRUSTEES’ and Sub-stitutue ‘TRUSTEES’ and judicial states robo-firms.

    You are about to launch T.D. Service Company’s on-line request to prepare a notice of default.

    To initiate a foreclosure proceeding, please complete the request form on the following page. You must then forward copies of the applicable documents (as selected on the form) to our office. If you have any questions please contact our office at (800) 843-0260 and ask for a foreclosure specialist.

    By clicking the button below you agree to the following:
    I accept sole responsibility for the information provided to T.D. Service Company via this on-line form for the purpose of preparing foreclosure documents. I understand that this web application is proprietary to T.D. Service Company and is used solely for the purpose of initiating foreclosure proceedings. I have also read and understood T.D. Service Company’s privacy policy regarding on-line transactions.

    Chart of Document Services Outsource Work Flow, click on image, and save document using internet browser, file, save, TD_Doc_Outsource.jpg
    Paste URL and view documents http://www.tdsf.com/graphics/Outsource_flow.jpg

    Web-based Lookups, Electronic Reporting screen can be saved as a document “WEB-STAR” Lien Release Search. Click on the image and browser select ‘File’ save as TD_WEBSTAR_Lien_Release.jpg

    You’ll find in related documents and discovery, ‘Service#’ and ‘Loan#’ and Borrower Name, State, Payoff Date, Property Address. The Nancy Drew investigators will be looking at the screen image integration

    Data inside ‘input screens’ are saved inside databases and those databases used to create checks, wire transfers, falsified DOT’s, DOS,’s, Assignments, Liens, Allonges, Notes, etc

    TD preferred provider of MERS, a transaction partner with LPS, and can accept data for many of TD services INCLUDING LIEN RELEASE, ASSIGNMENT, FORECLOSURE, AND MANY OTHER TRANSACTIONS.

    TD ‘can send’ data ‘back to TD clients in wide variety of formats including:
    XML, hard-copy, txt, csv (spreadsheet default format to import and export data, and others.
    SECURE ‘FTP’
    web services,
    many othe rmethods.
    Reports & Billing on-line applications.
    On-line applications can interface (integrate) with customers’ in-house systems.

    TD partner IBM Business Recocvery Services (BRS).
    TD provides hot site aound nation mirror equipment duplicate TD’s operating environment and config.
    TD Data Security, as required by HUD, TD fully complaint with Gramm-Leach-Bliley Act (Financial Moderenzation Act) regarding ‘privacy’ of sensitive data. Consumers don’t realize when they sign credit application on-line or on paper, all bank-affiliates and non-bank affiliates globally have access to their data.

    Bruce Gauger, TD’s CIO responsible for TD’s

    ‘Trustee sale information’
    ‘lien releases’
    ‘reconveyance lookup’
    ‘assignment’
    ‘document research inquiryt’
    ‘dedicated FTP’
    ‘other’

    TD owners and benefactors constanting develop applications for their commercial clients who engage in commerce in private licensed communication channels or publically licensed communications channels.

    Publishing and posting of Legal Notices, Conducting trustee Sales, Senior Lien bidding

    TAC Trustee Assistance Corporation, a subsidiary of TD Service Financial Corp, weblink changed, Cached google not working, text only

    Publishing and posting of Legal Notices, Conducting trustee Sales, Senior Lien bidding.

    Established in 1985, Trustee’s Assistance Corporation (“TAC”) is a subsidiary of TD Service Financial Corporation. Its primary focus is providing publishing, posting, conducting trustee sales and related support services to the industry.

    TAC is headquartered in Santa Ana, California with a branch office in Phoenix, Arizona. TAC offers a broad range of services in the states of Arizona, California, Nevada, Oregon and Washington including:

    Automated Trustee Sale Hot Line:
    (714) 480-5690 (24 hours) Web-based Trustee Sale Lookup

    Publishing and posting of legal notices.
    Conducting trustee sales.
    Senior lien bidding.
    Connectivity to customer’s servicing systems, electronic transfer of publication data to newspapers.
    Messenger service for pickup and delivery of documents.
    Property inspections.
    Trustee sale/auction information free on web and by telephone (714) 480-5690.

    For more information, contact Renee M. Patrick (714) 480-5550

    This is Google’s cache of http://www.tdsf.com/tac.htm. It is a snapshot of the page as it appeared on Aug 8, 2011 18:36:42 GMT. The current page could have changed in the meantime. Learn more

    Full versionThese search terms are highlighted: td services

  6. STUNNING REVELATIONS:
    Hellow Congress Anyone Home? Both houses allowed commerce over internet governed by UCC and Microsoft’s Steve Ballmer CEO & President of Microsoft and FREDDIE MAC & Wells Fargo & Co Extreme Networks, revolutionize licensing internet channels to MSN,

    FCC Regulator so why are you ignoring commerce over internet in which general purpose business entities file falsified documents for the above referenced partners?

    Please visit 60 Minutes and post your comments. I did.
    Foreclosure Fraud we want to know more.
    And your thoughts about Paul Allen’s STUNNING REVELATION about ‘Steve Ballmer and Bill Gates’ of Microsoft planned to ‘steal’ stock away from Paul Allen! No surprise that ‘integrity’ meant ‘sound banking system’ not lawful transactions recorded in accordance with statutory laws. Steve and Bill are BULLYS and drank their own Koolaide they did not have to include lawful recording of promissory notes when real estate traded.

    Here is mine taking 2000 announcement so you all will focus on how the transactions were/are happening:

    by protectuspeople August 10, 2011 7:38 PM EDT
    Steve Ballmer CEO & President, Microsoft’s HomeAdvisor Technologies Inc. partnerships with FREDDIE MAC Chase.com GMAC-RFC, Norwest Mortgage & Bank of America automated manual 30 days into 10 days skipping recording recording mortgage deed of trust and collateral. Revolutionized real estate industry, sadly, Steve forgot to include ‘integrity’ in automated open platform. Stunning revelation by Paul that Steve Ballme & Bill Gates conspired to ‘steal’ Paul’s stock . No surprise then the virtual real estate industry channelwhich joined forces with Steve Ballmer & executives of Freddie Mac; Chase.com; GMAC-Residential Funding Corp (GMAC-RFC); Norwest Mortgage Inc., a Wells Fargo company; and Bank of America joined MSN(TM)as strategic partners and owners of the open software platform global network connect financial universe mortgage transactions. Widespread adoption of partners insures distribution to their partners, representing the majority of the nation’s real estate and mortgage professionals and integrates funding Alt-A non-conforming real estate transactions around credit checks, appraisals and underwriting decisions.

    Acquisition of Tuttle Decision Systems Inc., mortgage technology loan platform integrates depositors, sellers, purchasers, temporary lenders, underwriters unrelated third partys, insurance companies, title companies, attorneys.

    3 divisions, formed the nation’s leading consumer and business-to-business real estate and mortgage e-commerce company:

    Transaction Platform Div combines Microsoft(R) technology w/electronic loan decision processing tools (credit, underwriting & property valuation) partners streamline and automate all aspects of the mortgagereal estate transactions eliminating paperwork and red tape.

    Microsoft developed and maintains platform technologies distributed by partners to banks, lenders and real estate professionals, allowing real estate and mortgage professionals to pass along significant savings in time and cost to their own commercial brokers, dealers, distributors, brokers, attorneys, title & settlement agencies.

    Productivity Tools Div real estate professional tools expanding businesses while enabling industry professionals to fully utilize customized versions developed Realty Desktop, complete suite of tools specifically for the nation’s leading real estate companies.

    HomeAdvisor.com Div incorporate consumers with every aspect of buying, financing, moving into, maintaining, improving and selling their home. First site to offer loan platform promoted through aggressive consumer marketing campaigns.

    Jonathan Gaw, research manager of consumer e-commerce at IDC bless technology binding mortgage quotes in real time boosts the development of online real estate industry

    Microsoft’s majority stake in HomeAdvisor Technologies Inc.; Chase.com, Capital Partners, GMAC-RFC, Norwest Mortgage and Bank of America equity interest.

    Freddie Mac provided significant technology contributions, with financial interest in the new co. with strong ties back to industry partners and parent companies in the form of commercial agreements for technology sharing and distribution through online and offline channels–Leland C. Brendsel, chairman and CEO of Freddie Mac makes suite of innovative tools available to our lending partners, and enabling them to deliver a faster, mortgage process to consumers.

    Tuttle’s technology in 2000 networks over 800 mortgage banks across the country to the nation’s largest mortgage conduits and facilitated the electronic registrations via seamless data exchanges,integration of key underwriting engines,d loan origination systems unique venture is a natural extension of Chase’s long-standing relationship with Microsoft and brings together highly trusted companies and industry leaders that share a clear vision for creating new business models for the Internet economy,” said Denis O’Leary, executive vice president of Chase Manhattan and head of Chase.com.

    Chase Home Finance, the nation’s leading mortgage originator and servicer, using Internet for Chase’s entire financing correspondents, brokers, realtors and corporate customers with strong ties to MSN through a long-term commercial agreement that makes HomeAdvisor.com the network’s exclusive channel for home, real estate and mortgage decisions customers access to the most integrated shopping and e-commerce experience available on the Web today.

    Chase.com said Microsoft is the mortgage technology company best positioned to deliver real value said Bruce Paradis, president of GMAC-RFC. Microsoft’s technology leadership with our deep relationships& expertise in finance industry will be extremely tough to beat.

    wfhm.com largest direct lender to consumers, enters into this virtual relationship,” said Pete Wissinger, president and CEO of Norwest Mortgage Inc.

    Microsofts’ HomeAdvisor Technologies dramatically changed real estate industry into global network and harmed economy

  7. CORE-LOGIC PRE-FUNDING ‘ESCROW’ (Fisrt American…..
    electronic transactions include integrated network on CLOUD which execute nationwide network bank and real estate attorneys and title and settlement agents, agencies, dealers, brokers, distributors, lenders/underwriters, insurance companies, title companies, agencies, brokers, dealers, agents….

    PRODUCT
    HIGHLIGHTS
    ►► Fully automated, LQIcompliant
    prefunding
    products
    ►► Instantly verify credit,
    application and fraud data
    at prefunding
    ►►Minimize prefunding risk
    and deliver quality mortgage
    loans
    ►►Helps you make fast, reliable
    lending decisions and avoid
    loan buy-backs

    FinalCheck Deliver quality loans. Every time.
    From the risk mitigation experts that brought you ENCORE,

    CoreLogic Credco
    introduces FinalCheck – an automated, fully decisionable suite of
    LQI compliant prefunding risk evaluation products that let you verify credit, application and fraud data in an easy-to-read report in seconds.

    Three powerful prefunding data verification solutions
    The FinalCheck suite consists of three critical data verification products designed to mitigate loan buyback risk by instantly verifying loan credit, application and fraud
    data at prefunding.

    The result is a powerful set of reporting tools that provides lenders
    critical insight on any potential prefunding risk indicators before submitting the loan to the GSEs.
    CreditCheck Collects, organizes and compares any changes in tradelines, inquiries, balances, alerts and other credit profile factors that could surface between the initial prequalifying credit report and prefunding.

    AppCheck
    Identifies undisclosed applications, concurrent loans, and related fraud schemes by checking all real estate data against CoreLogic’s proprietary loan application database and the MERS loan registry.

    FraudCheck
    Screens borrowers and businesses against the HUD-GSA, HUD-LDP and other exclusionary lists to help ensure investor acceptance of your loan submissions. Unparalleled Verification Data
    CoreLogic Credco has exclusive access to one of the largest consumer and business databases in the nation. Covering over 500 million historical transaction records,
    99.8% of the U.S. population and 100% of all U.S. districts, FinalCheck allows mortgage
    professionals to make fast, reliable lending decisions at prefunding to help them ensure the integrity of the loan prior to GSE submission and avoid loan buy-backs.
    Powered by nd Merge Technology The FinalCheck suite of products is powered by nd Merge, CoreLogic Credco’s proprietary
    merge technology platform that powers ENCORE and other advanced data reporting solutions for the mortgage industry. Our nd Merge is an FCRA-compliant, fully scalable
    data merge technology platform that collects, sorts and organizes consumer and business data intelligence into an easy-to-interpret reporting format –

    FAST (I’ve seen this and not known it had to do with CREDCO ‘Prefunding’ of loan as discussed inside ‘S-3’ and ‘S-3/A’ Registration Statements / Amendments

  8. Cognizant to Acquire CoreLogic India Operations, Expanding Mortgage Services Portfolio

    Comprehensive Data: Our data library combines property and mortgage information; legal, parcel and geospatial data; motor vehicle records; criminal background records; national coverage eviction information; payday lending records; credit information; and tax records. Our platforms support a constantly changing regulatory environment

    Smarter, Faster, More Secure
    CoreLogic has built a client-optimized IT infrastructure that combines world-class data centers, flexible “on-demand” cloud-computing, enterprise-level around-the-clock operations, a highly-available unified network, and the highest levels of information security and compliance.

    World-Class Data Centers: CoreLogic operates two state-of-the-art data centers—one in California, one in Texas—that meet the highest industry standards for availability and survivability. With dynamic load-balancing and a high-availability multi-gigabyte backbone network, they are designed to provide our clients uninterrupted connectivity even in the event of a catastrophic regional outage.

    The CLOUD
    Virtualized Cloud Environment: Our virtualized, multi-tenant, cloud-computing environment delivers increased capacity on demand, allowing us to operate our various systems as one. We adhere to ITIL best practices performance guidelines to assure that we meet or exceed your expectations.

    Our unified network approach enables us to operate multiple systems as a single resource that routinely provides flexibility, transparency, scalability, and expandability. Its modularized architecture takes full advantage of our virtual “cloud” environment, always choosing the best solution for your needs. To add new network or security applications, we simply add new network modules.

    Glenpointe Centre West
    500 Frank W. Burr Blvd.
    Teaneck, N.J. 07666

    CoreLogic
    4 First American Way
    Santa Ana, CA 92707 USA

    We maintain the most comprehensive business database in the U.S., with continuously updated data from more than 3.5 billion public documents, over 500 million transactions and 70 million mortgage applications—just to name a few

    Advanced Analytics
    Our proprietary analytics algorithms and predictive modeling capabilities enable us to analyze information on multiple levels, helping our clients make informed decisions that yield extraordinary competitive results
    Unique Insights
    Working with over 40,000 clients in the public and private sectors has given us a vast storehouse of real-world experience to draw upon in helping you create effective solutions that target your unique needs
    CoreLogic can help you assess issues from every angle. As one of the leading providers of business information and services, we can combine a deep knowledge of the industries we serve with proven expertise in multidimensional data analysis and business process management. From aggregating, synthesizing and standardizing data to high-speed automated reporting, custom analytics and high-touch consulting, we can provide everything you need.

    No matter what your industry, success in the current business environment means reducing risk and improving performance. Our industry-specific data, analytics, services and consulting help companies succeed in many industries, including mortgage, real estate, capital markets, insurance, government, automotive, legal, telecom, utilities and title. Partnering with us gives you access to information, expertise and collaborative services unique to your needs:

    CoreLogic The First America Corporation launched ‘CoreLogic’
    Company Overview

    “CoreLogic is a leading provider of consumer, financial and property information, analytics and services to business and government. The company combines public, contributory and proprietary data to develop predictive decision analytics and provide business services that bring dynamic insight and transparency to the markets it serves. CoreLogic has built the largest and most comprehensive U.S. real estate, mortgage application, fraud, and loan performance databases and is a recognized leading provider of mortgage and automotive credit reporting, property tax, valuation, flood determination, and geospatial analytics and services. More than one million users rely on CoreLogic to assess risk, support underwriting, investment and marketing decisions, prevent fraud, and improve business performance in their daily operations. Formerly, the information solutions group of The First American Corporation, CoreLogic began trading under the ticker CLGX on the NYSE on June 2, 2010. The company, headquartered in Santa Ana, Calif., has more than 10,000 employees globally with 2010 revenues of $1.6 billion.”

    Family includes:
    Mortgage
    • Appraisal Services
    • AVMSelect
    • Credco
    • eAppraiseIT
    • ePostClosing
    • Residential Value View
    • CoreLogic UK
    Real Estate
    • AgentAchieve
    • Australian Property Info (RP Data)
    • Jenark
    • MarketLinx
    • Realist
    • RealQuest
    • REiSource
    • SafeRent
    Security
    • Security Breach Assistance
    Automotive
    • Credco
    Banking
    • VendorScape
    Credit
    • CompuNet™ Credit Report
    • Consumer Services
    • IdentityLogic
    • Teletrack
    Default
    • Broker Price Opinions
    • REOSource Foreclosure Properties
    • VendorScape
    Insurance
    • Flood Insurance
    International
    • CoreLogic Australia (RP Data)
    • CoreLogic India
    • CoreLogic UK
    Legal
    • Bankruptcy Verification Services
    • Driver & Motor Vehicle Information Services
    Marketing
    • ListSource
    • Online Lead Generation
    Mortgage
    • Appraisal Services
    • AVMSelect
    • Credco
    • eAppraiseIT
    • ePostClosing
    • Residential Value View
    • CoreLogic UK
    Real Estate
    • AgentAchieve
    • Australian Property Info (RP Data)
    • Jenark
    • MarketLinx
    • Realist
    • RealQuest
    • REiSource
    • SafeRent
    Security
    • Security Breach Assistance
    Tax
    • Real Estate Tax—Regional Service Centers
    • SMARTWeb Loan Administration

    Leading providers of financial property and consumer information, analytics, business intelligence into one dynamic company.

    Proprietary information and expertise
    Billions of pieces of public and private sector data
    Board of Directors

    J. David Chatham
    Director, CoreLogic, Inc.
    President and Chief Executive Officer, Chatham Holdings Corporation
    Nominating and Corporate Goverance

    Paul F. Folino
    Director, CoreLogic, Inc.
    Executive Chairman, Emulex Corporation

    Anand K. Nallathambi
    President and Chief Executive Officer, CoreLogic, Inc.
    Executive Committee

    Thomas C. O’Brien
    Director, CoreLogic, Inc.
    Chief Executive Officer and President, Insurance Auto Auctions Inc.
    Nominating & Corporate Governance Committee

    D. Van Skilling
    Chairman of the Board, CoreLogic, Inc.
    President, Skilling Enterprises
    AUDIT COMMITTEE
    Nominating & Corporate Governance Committee

    David F. Walker
    Director, CoreLogic, Inc.
    Former Director, Program of Accountancy, University of South Florida, St. Petersburg
    AUDIT COMMITTEE FINANCIAL EXPERT

    Mary Lee Widener
    Director, CoreLogic, Inc.
    Community Investment Consultant
    Executive Committee

  9. Colleen, thanks for the information on “Who’s Signing Now?” It is amazing to see how these people can be in two or even more places at once signing for who knows how many different entities

  10. FIDELITY NATIONAL TITLE GROUP, INC.
    601 Riverside Avenue
    Jacksonville, Florida 32204

    http://www.secinfo.com/dR7Km.zPx.htm

    We are a holding company whose primary assets are the securities of our operating subsidiaries. Our ability to pay dividends is dependent on the ability of our subsidiaries to pay dividends or repay funds to us. If our operating subsidiaries are not able to pay dividends or repay funds to us, we may not be able to declare and pay dividends to our stockholders.
    Our title insurance subsidiaries must comply with state and federal laws which require them to maintain minimum amounts of working capital, surplus and reserves and place restrictions on the amount of dividends that they can distribute to us. Compliance with these laws will limit the amounts our regulated subsidiaries can dividend to us. During the remainder of 2005, our title insurance subsidiaries can pay dividends or make distributions to us of approximately $89.1 million without prior regulatory approval.

    We face competition in our title business from traditional title insurers and from new entrants with alternative products.

    The title insurance industry is highly competitive. According to Demotech, the top five title insurance companies accounted for 90.2% of net premiums collected in 2004. Over 40 independent title insurance companies accounted for the remaining 9.8% of the market. The number and size of competing companies varies in the different geographic areas in which we conduct our business. In our principal markets, competitors include other major title underwriters such as The First American Corporation, LandAmerica Financial Group, Inc., Old Republic International Corporation and Stewart Information Services Corporation, as well as numerous smaller title insurance companies and independent agency operations at the regional and local level. These smaller companies may expand into other markets in which we compete. Also, the removal of regulatory barriers might result in new competitors entering the title insurance business, and those new competitors may include companies that have greater financial resources than we do and possess other competitive advantages. Competition among the major title insurance companies, expansion by smaller regional companies and any new entrants with alternative products could affect our business operations and financial condition.
    From time to time, we adjust the rates we charge in a particular state as a result of competitive conditions in that state. For example, in response to recent rate reductions by certain of our competitors, we recently filed for an adjustment of our rate structure in California for refinancings. This change could have an adverse impact on our results of operations, although its ultimate impact will depend among other things on the volume and mix of our future refinancing business in that state.

    Our historical financial information may not be representative of our results as a consolidated, stand-alone company and may not be a reliable indicator of our future results.

    Our historical financial statements may not be indicative of our future performance as a consolidated, stand-alone company. We were incorporated on May 24, 2005 in anticipation of the distribution. Prior to the distribution, FNF will contribute to us the various FNF subsidiaries that conduct our business. Our historical financial statements reflect assets, liabilities, revenues and expenses directly attributable to our operations. Accordingly, they exclude certain of our expenses that have been allocated to other operations of FNF and of FIS, and they reflect an allocation to us of a portion of the compensation of certain senior officers and other personnel of FNF who will not be our employees after the distribution but who have historically provided services to us. These allocations are expected to in general continue after the distribution under the corporate services agreements to be entered into in connection with the distribution. Further, our financial statements reflect transactions with related parties, which were not negotiated on an arms-length basis. Our historical financial statements presented in this prospectus do not reflect the debt or interest expense we might have incurred if we had been a stand-alone entity. In addition, we will incur other expenses, not reflected in our historical financial statements, as a result of being a separate publicly traded company. As a result of these and other factors, our historical financial statements do not necessarily reflect what our financial position and results of operations would have been if we had been operated as a stand-alone public entity during the periods covered, and may not be indicative of future results of operations or financial position.
    Risks Relating to the Distribution

    We will be controlled by FNF as long as it owns a majority of the voting power of our common stock and our other stockholders will be unable to affect the outcome of stockholder voting during this time.

    8/18/05 Fidelity National Title Group/Inc S-1/A

    EX-21.1 • Subsidiaries of the Registrant

    FIDELITY NATIONAL TITLE GROUP, INC.
    All companies
    As of 8/17/2005

    1 Stop Cyber Mall, Inc. New York
    2027267 Ontario Inc. Canada

    Manchester Development Corporation California
    (d/b/a Orion Realty Group)
    Marble Title Company, LLC (12%) Texas
    McHenry County Title Company Illinois
    McLean County Title Company Illinois
    McNamara, Inc. Nevada
    Member First Title Agency, LLC (50%) Michigan
    MFS Title of Texas, LP (5%) Texas
    MGEN Services Corp. Delaware
    Micro General, LLC Delaware
    Midwest Title Company Delaware
    Mission Trails Escrow, Inc. (51%) California
    National Link, L.L.C. (49.8%) Pennsylvania
    National Link, L.P. (49.5%) Pennsylvania
    National Link of Alabama, L.L.C Alabama
    National Title Company of Fresno County (51%) California
    National Title Company of San Francisco (51%) California
    National Title Company of Southern California (51%) California
    National Title Company of Ventura County (51%) California
    Nations Title Insurance of New York Inc. New York
    Nationwide Settlement Source, L.L.C Pennsylvania
    Nationwide Settlement Source, L.P. Pennsylvania

    Nationwide Settlement Source of Alabama, L.L.C Alabama
    New Market Title Agency, LLC (50.1%) Ohio
    Northwest Equities, Inc. Texas
    d/b/a NW Equities)
    NRT Title Agency, LLC (30%) Delaware
    Ocean Escrow, Inc. (51%) California
    Ottawa-Kent Title Agency, LLC (50%) Michigan
    Pacific Escrow Solutions, Inc. California
    Palm Beach Joint Title Plant, Inc. (12.5%) Florida
    Perrett Title Agency, LLC (50%) Michigan
    Pioneer Land, LLC (51%) New York
    Pioneer Land Services, LLC New York
    Pioneer National Title Company Arizona
    Preferred Title Services, LLC (50%) Michigan
    Premier National Title Company (51%) California
    Prospect Office Partners, LP California
    Real Estate Index, Inc. Illinois
    Real Estate Settlement Solutions, L.L.C Pennsylvania
    Real Estate Settlement Solutions, L.P. Pennsylvania
    Real Estate Settlement Solutions of Alabama, L.L.C Alabama
    Real Living Title Agency, Ltd. (45.1%) Ohio
    RealtyCheck.com, LLC Michigan
    Recodat Co. (25%) Ohio
    Referral Connection, LLC North Carolina
    Region Title, LLC (35%) Indiana
    Rio Grande Title Company, Inc. (20%) New Mexico
    River Valley Abstract & Title, Inc. Wisconsin
    Rocky Mountain Printing Services, Inc. California
    Rocky Mountain Support Services, Inc. Arizona
    Saddleback Title Company (51%) California
    S.D.C. Title Agency, LLC (50.1%) Ohio
    Security Title Agency, Inc. Arizona
    Security Title Company, LLC Wisconsin
    Security Union Title Insurance Company California
    Sentry Service Systems, Inc. Arizona
    Service Link, L.P. Pennsylvania
    Service Link of Alabama, L.L.C Alabama
    Service Link of Texas LLC Texas
    S-K-L-D Title Services, Inc. (12.9%) Colorado
    Southeast Funding Title Associates, LLC (10%) Florida
    SouthshoreTitle, LLC (10%) Indiana
    Southwest Michigan Title Agency, LLC (50%) Michigan
    Spring Service Corporation California
    Spring Service Texas, Inc. Texas
    Statewide Settlement Services, LLC (25%) Ohio
    Stetler Title Agency, LLC (50%) Michigan
    SunCoast Team Title, LLC (10%) Florida
    Sunrise Research Corp. New York
    Superior Data Services, Inc. New York
    SWT Holdings, LLC Texas
    Tam Title & Escrow, LLC (10%) Tennessee
    Ten Thirty-One, L.L.C Oregon
    The Album CD, LLC (66 2/3%) Delaware
    The Maryland Title Guarantee Company Maryland
    The Title Company of Canada, Ltd. Ontario, Canada
    The Title Guarantee Company Maryland
    Third Millenium Title Agency, LLC (50.1%) Ohio
    Ticor Financial Company California
    Ticor Services, LLC Delaware
    Ticor Title Abstract of New York, Inc. New York
    Ticor Title Agency of Arizona, Inc. Arizona
    Ticor Title Company Washington
    Ticor Title Company of California California
    Ticor Title Company of Oregon Oregon
    Ticor Title Consultants Ltd. Canada
    Ticor Title Insurance Company California
    Ticor Title Insurance Company Limited England
    Ticor Title Insurance Company of Florida Florida
    Ticor Title of Nevada, Inc. Nevada
    Ticor Title of Washington, Inc. Washington
    Title Accounting Services Corporation Illinois
    Title America, LLC (50.1%) Ohio
    Title and Trust Company Idaho
    Title Closing Services, LLC (17.5%) New Jersey
    Title Data, Inc. (5.6%) Texas
    Title Info Now, LLC (14.29%) Minnesota
    Title Offices, LLC (30%) Florida
    Title Reinsurance Company (36.18%) Vermont
    Title Services, Inc. Tennessee
    TitleTek, Inc. (inactive) Texas
    TPO, Inc. Oklahoma
    Tri County Title Plant Association (37.5%) Oregon
    Triple Crown Title and Settlement Services, LLC (51%) New Jersey
    TSNY Agency of New York City, Inc. New York
    (d/b/a Title Services)
    TT Acquisition Corp. Texas
    (d/b/a Texas Taxes)
    United Financial Management Company Nevada
    United Land Title Agency, LLC (50.1%) Ohio
    United Title of Nevada, Inc. Nevada
    UTC Capital Group, Inc. Texas
    Villager Title, LLC (10%) Florida
    Washington Title Company Washington
    Washington Title Insurance Company (inactive) Washington
    Welles Bowen Title Agency, LLC (50.1%) Ohio
    Wentworth Title Agency, LLC (20%) Florida
    West Point Appraisal Services, Inc. California
    West Point Properties, Inc. California
    Western Financial Trust Company California
    Woodland Title Agency, LLC (50%) Michigan
    Yuma Title & Trust Company Arizona

  11. @ Martha Raysik, please take care. This is sickening to hear. Hope you can explain in detail exactly what you did that they thought you were a danger.

    Had a family member who in front of 4 witnesses kept saying she was going to kill herself. She suffers from mental illness and also an alcoholic. We all agreed we needed to do something. Called 911, they sent the sherriff. When they talked to her, she denied everything and said she was not going to hurt herself. So with her saying she had no intention of hurting herself the sherrif could do nothing, because of the state laws protecting her. As explained to us by a counselor, the state does not want to make a mistake and get sued. Catch 22 situation. She several months later did take her life.

    Martha, check the rules of your state and if they violated your rights, sue the crap out of them.

  12. jig007

    Like it!

    “1 Stop Mortgage”

    Think about it! Powerful ‘joint venture’ with Dunkin Donuts drive throughs! A cup of coffee and DD employee asks do you want our ‘mortgage broker’ to check value of property? Click YES while using ‘credit card’ and ‘blink’ a new credit authorization sets you up with new loan# inside the new BOA $50,000,000,000 offer of toxic servicing debt! COOL.

    Dunkin Donuts Real Estae LLC, hmmmm, link unsecured credit card debt, to review for credit line increase, reveiwing all personal and real property, able to attach liens for that cup of java in the name of ‘Wells Fargo Bank NA’ a tradename for Wells Fargo Financial formerly known as Norwest, the 10 digit agreement will be the 1st 10 digits of the credit card transaction number …. prefix the ‘MERS’ ID for ‘Dunkin Donutes Real Estate LLC’ and of course there will be

    Dunkin Donuts Title & Settlement Agency for the local state escrow stransactions.
    Dunkin Donuts Attorney Lawyers Title Corporation
    Dunkin Donuts will be a member of eLynx which integrates the financial transactions with MERS eLink which networks updating the new liens against the County Recorders records….

  13. proof your mortgage isn’t worth a dime…….

    1)Bank of America over the past 10 days tried – and failed – to sell roughly $50 billion of ‘legacy’ mortgage servicing rights, according to servicing advisors familiar with the auction.

    2)PHH Corp., the nation’s fifth largest residential funder, lost $41 million in the second quarter as the fair value of its mortgage servicing rights declined by $117 million during the period.

    3)The U.S. homeownership rate fell by less than half-a-point in the second quarter to 65.9% as foreclosures accelerated and consumers put off buying homes because of fears about prices and the economy.

    4)Banks Brace for U.S. Default Fallout; Let’s skip ahead to Aug. 3. The debt ceiling hasn’t moved an inch and the United States no longer enjoys a coveted triple-A credit rating. Now what?

    THESE FOUR POSITIVE, UPLIFTING STORIES WERE POSITIVELY UPLIFTED FROM NATIONAL MORTGAGE NEWS (great source if you can afford the subscription).

    AND AFTER THEY BULLDOZE THE HOUSES THEY HAVE STOLEN AND PICKED UP BY THE FDIC THEY WILL GIVE THE LAND TO THE CHI-COMS TO PAY FOR THE DEFAULTED BONDS.

    Now, where’s that Rosetta Stone Teaches Chinese CD?

  14. Martha what state are you in?
    Do you have to stay 72 hours?
    You have been through a lot.

  15. […] Livinglies’s Weblog Filed Under: Foreclosure Law News, Foreclosure News Tagged With: crisis, foreclosure, […]

  16. CHECK IT OUT—more info re. the “fakers” from Lynn Szymoniak from frauddigest.com:

    http://frauddigest.com/pdfs/20July11SigningNow.pdf

  17. Test Run

    1 Stop Mortgage

  18. @ jessica6, thanks, that worked fine. I guess I was naive to hope that they would show the former entity instead of the pretend current non-lender.

    @martha raysik, that’s some scary $#^& there. I hope you can get a good attorney and end up owning that town. Good luck.

  19. true story.
    tonight I write this from the lock up ward, where I am stuck on a 5151hold. deemed a danger to myself or others. Thursday night I went along to serve the local bigwig of the HOA who are up to their elbows in this stinking shit of hovnanian and wells Fargo fraud. mr legrand came ouside after the boyfriend of my daughter served him, and he pushed me to the street in front of at least five witnesses. the sherrifs are crooked, and they threatened to toss me Jail if I pressed charged. by golly yes, as I hit my head on the cement.
    they then said they would throw the boyfiriend in jail, as he made a false statement during the process serving, as afterwards he screamed ,
    “how dare you hit my mother n law” and I am not yet his mother in law. then they got my daughter all worked up and got her to say I was crazy, so they would let him go, or elese he would lose his job they said. this is PLO ice brutality at its best. the fraud just never stops. thank god I was able to get my iPad in here, but it’s official, I am on lockdown in a psyco ward this very moment. can it get any worse?

  20. Today, Lawyers Title is a proud member of the Fidelity National Financial, Inc. (NYSE: FNF) family of title companies, which collectively represent the …

    From the simplest residential closing to the most complex commercial real estate transactions, Lawyers Title is committed to providing unmatched expertise and exceptional customer service.

    Our goal is to help lenders, builders, developers, attorneys and real estate professionals grow and succeed. And for our residential customers, we insure protection for your most important asset – your home. In addition to title insurance, escrow and closing services, we provide an array of title-related services and specialty finance solutions.

    If you are interested in learning more about any of these title-related services, please use the Office Locator feature to contact your local Lawyers Title representative

    Title-Related Services

    • Reconveyances
    • Recordings
    • Attorney Services
    • Flood Certification
    • Credit Reporting
    • Collection & Trust
    • Trustee Sales Guarantees
    • Real Estate Tax Service
    • Foreclosure Publishing & Posting
    • Exchange Intermediary Services
    • Real Estate Information & Technology Services

    Specialty Finance Solutions

    • Originating
    • Funding
    • Purchasing
    • Selling
    • Securitizing
    • Equipment Lease Servicing

    Name (RSSD ID) City State/ Country Institution Type As of Date

    1. LAWYERS TITLE CORPORATION (2404460) RICHMOND VA
    Domestic Entity Other

    2. LAWYERS TITLE OF ARIZONA (100759) TUCSON AZ Non-deposit Trust Company – Non-member 1990-09-29

    3. LAWYERS TITLE OF ARKANSAS, INC. (1093988) LITTLE ROCK AR Domestic Entity Other 1979-05-22

    4. NIA/LAWYERS TITLE AGENCY, LLC (3151266) PARAMUS NJ Domestic Entity Other 2003-03-11

    Active

    LAWYERS TITLE CORPORATION (2404460)

    1993-07-28 LAWYERS TITLE CORPORATION located at RICHMOND, VA was established as a Domestic Entity Other.

    LAWYERS TITLE CORPORATION (2404460) as of 12/31/2010

    Hierarchy report with the following institution types: HMDA Reporters
    1 Institution(s) Found.

    Seq Num Name (RSSD ID) Parent Seq Num City State / Country Institution Type

    1 LAWYERS TITLE CORPORATION (2404460) RICHMOND VA Domestic Entity Other

    Institution History for LANDMARK ABSTRACT AND TITLE INSURANCE COMPANY (1093988)

    3 institution history record(s) found.
    Event Date Historical Event

    1975-01-01 LAWYERS TITLE OF ARKANSAS, INC. located at LITTLE ROCK, AR was established as a Domestic Entity Other.

    1979-05-23 LAWYERS TITLE OF ARKANSAS, INC. was renamed to LANDMARK ABSTRACT AND TITLE INSURANCE COMPANY.
    1984-12-30 Institution is closed.

    FIRST ARKANSAS BANKSTOCK CORPORATION (1093942) as of 12/30/1984

    Hierarchy report with the following institution types: Commercial Bank, Cooperative Bank, Credit Union, Edge/Agreement Corporation, Financial Holding Company, Holding Company, Industrial Bank, Insurance Co. Broker/Agent/Underwriter, Nondepository Trust Company, Other Company, Savings Bank, Savings and Loan Association, and the Securities Broker/Dealer/Underwriter

    40 Institution(s) Found.

    Seq Num Name (RSSD ID) Parent Seq Num City State / Country Institution Type

    1 * FIRST ARKANSAS BANKSTOCK CORPORATION (1093942) LITTLE ROCK AR Bank Holding Company

    2 -* FIRST NATIONAL BANK IN HARRISON, THE (450847) 1 HARRISON AR National Bank

    3 –* FIRST NATIONAL INVESTMENT SERVICE, INC. (1094088) 2 HARRISON AR Domestic Entity Other

    4 -* FIRST STATE BANK (941242) 1 SPRINGDALE AR Non-member Bank

    5 –* FINANCIAL DIRECTIONS, INC. (1035072) 4 SPRINGDALE AR Domestic Entity Other

    6 -* NATIONAL BANKSHARES CORPORATION (1021178) 1 PINE BLUFF AR Bank Holding Company

    7 –* NATIONAL BANK OF COMMERCE OF PINE BLUFF (46642) 6 PINE BLUFF AR National Bank

    8 —* FINANCIAL MANAGEMENT CENTER, INC. (1094042) 7 PINE BLUFF AR Domestic Entity Other

    9 -* FIRST ARKANSAS LEASING CORPORATION (1093951) 1 LITTLE ROCK AR Domestic Entity Other

    10 -* METRO PROPERTIES, INC. (1093960) 1 LITTLE ROCK AR Domestic Entity Other

    11 -* CONSUMERS PROTECTIVE LIFE INSURANCE COMPANY (1093979) 1 PHOENIX AZ Domestic Entity Other

    12 -* FABCO ASSOCIATES FINANCE, INC. (1094015) 1 LITTLE ROCK AR Domestic Entity Other

    13 -* CAMDEN TITLE COMPANY (1094145) 1 CAMDEN AR Domestic Entity Other

    14 -* POPE COUNTY BANKSHARES, INC. (1244913) 1 RUSSELLVILLE AR Bank Holding Company

    15 –* PEOPLES BANK AND TRUST COMPANY (930545) 14 RUSSELLVILLE AR Non-member Bank

    16 —* PEOPLES INVESTMENTS, INC. (1094109) 15 RUSSELLVILLE AR Domestic Entity Other

    17 -* FIRST STATE BANK AND TRUST COMPANY (451741) 1 CONWAY AR Non-member Bank

    18 –* FIRST STATE INVESTMENT ADVISORS, INC. (1094097) 17 CONWAY AR Domestic Entity Other

    19 -* FIRST NATIONAL BANK OF HOT SPRINGS (459747) 1 HOT SPRINGS AR National Bank

    20 –* + WORTHEN BANK INTERNATIONAL (442150) 19 LITTLE ROCK AR Edge Corporation – Banking

    21 –* + FIRST SBIC OF ARKANSAS, INC. (1093997) 19 LITTLE ROCK AR Finance Company

    22 –* FIRST NATIONAL FINANCIAL, INC. (1094060) 19 HOT SPRINGS AR Domestic Entity Other

    23 –* + WORTHEN FINANCE & INVESTMENT, INC. (1094127) 19 LITTLE ROCK AR Finance Company

    24 -* FIRST NATIONAL BANK OF CAMDEN (502148) 1 CAMDEN AR National Bank

    25 –* FIRST FINANCIAL ADVISORY, INC. (1094051) 24 CAMDEN AR Domestic Entity Other

    26 -* BANK OF NEWARK (562946) 1 NEWARK AR Non-member Bank

    27 -* NATIONAL CREDIT CORPORATION (767273) 1 PINE BLUFF AR Domestic Entity Other

    28 -* WORTHEN BANK & TRUST COMPANY, NATIONAL ASSOCIATION (883249) 1 LITTLE ROCK AR National Bank

    29 –* WORTHEN BANK INTERNATIONAL (442150) 28 LITTLE ROCK AR Edge Corporation – Banking

    30 –* FIRST SBIC OF ARKANSAS, INC. (1093997) 28 LITTLE ROCK AR Finance Company

    31 —* + LANDMARK ABSTRACT AND TITLE INSURANCE COMPANY (1093988) 30 LITTLE ROCK AR Domestic Entity Other

    32 —* + BRADBAR MANUFACTURING CORPORATION (1094024) 30 LITTLE ROCK AR Domestic Entity Other

    33 —* + HOT SPRINGS TITLE COMPANY (1094033) 30 HOT SPRINGS AR Domestic Entity Other

    34 –* WORTHEN FIRST MORTGAGE COMPANY (1094006) 28 LITTLE ROCK AR Domestic Entity Other

    35 –* WORTHEN INVESTMENT ADVISORY SERVICE, INC. (1094118) 28 LITTLE ROCK AR Domestic Entity Other

    36 –* WORTHEN FINANCE & INVESTMENT, INC. (1094127) 28 LITTLE ROCK AR Finance Company

    37 -* FIRST NATIONAL BANK IN MENA (912242) 1 MENA AR National Bank

    38 –* + FIRST SBIC OF ARKANSAS, INC. (1093997) 37 LITTLE ROCK AR Finance Company

    39 -* FIRST NATIONAL BANK (919447) 1 BATESVILLE AR National Bank

    40 –* FIRST NATIONAL INVESTMENT ADVISORS, INC. (1094079) 39 BATESVILLE AR Domestic Entity Other

    Institutions Matching Selection Rule
    + For purposes of Regulation Y, the top-tier reporter’s ownership level in this banking organization does not meet the definition of “control”; however, the ownership level does meet the FY Y-10/10F reportability criteria as this banking relationship is regulated by the Federal Reserve. ^ Although this relationship is not governed by U.S. banking statutes, it is included because it is of interest to the Federal Reserve

  21. Copyright © 2009 Fidelity National Title Group. All Rights Reserved. http://www.fntg.com/default.aspx?pn=find-an-office&State=NJ
    UUCCPLUS ANNOUNCES BROADER COVERAGES, NARROWER EXCLUSIONS AND BETTER PRICING: SEPTEMBER 14, 2004
    UCCPLUS PROGRAM DESCRIPTION
    • Chicago Title UCCPlus Program Description
    • Fidelity National Title UCCPlus Program Description
    • Ticor Title UCCPlus Program Description
    • Security Union UCCPlus Program Description
    • Alamo TItle UCCPlus Program Description

    CALIFORNIA BAR ASSOCIATION – Program Description: Direct Mail
    THE SECURED LENDER – Fidelity National Financial UCCPlus Display AdvertisementCC Plus Risk Management – http://www.uccplus.com/customers.asp
    Major Trans actions in which UCCPlus has INSURED the LENDER’S SECURITY INTEREST in a Timely & Efficient Closing for Lenders, Owners, Borrowers, investors and Counsel:
    Banks/Financial Institutions:
    • Bank of America
    • Wells Fargo
    • Citigroup
    • Deutsche Bank
    • JP Morgan Chase
    • Goldman Sachs
    • Morgan Stanley
    • Bear Stearns
    • Greenwich Capital
    • Credit Suisse First Boston
    • Lehman Brothers
    • Merrill Lynch
    • GMAC
    • Wachovia
    • Key Capital
    • TIAA-CREFF
    • Countrywide
    • ARCS
    • MONY
    • Prudential
    • RAIT
    • Column Financial
    ——————————————————————————-
    1925. Calvin Coolidge was the country’s chief executive. The Charleston craze was going strong. F. Scott Fitzgerald published The Great Gatsby. The United States was experiencing one of the dizziest land booms in history. And in Richmond, Virginia, Lawyers Title was born.

    Today, Lawyers Title is a proud member of the Fidelity National Financial, Inc. (NYSE: FNF) family of title companies, which collectively represent the largest title insurance and escrow services company in the world.

    Fidelity National Title Group (FNTG) is one of the nation’s largest and most respected title insurance and escrow services companies. The Company’s seven leading title insurance underwriters – Fidelity National Title, Chicago Title, Commonwealth Land Title, Lawyers Title, Ticor Title, Security Union Title and Alamo Title – issue approximately half of all title insurance policies in the United States. Through its direct operations and agencies, Fidelity National Title Group provides title insurance in 49 states, the District of Columbia, Guam, Mexico, Puerto Rico, the U.S. Virgin Islands and Canada.

    In addition to title and closing services, ServiceLink is the company’s national lender platform, providing a full suite of origination and default related products and services to leading mortgage originators and servicers. Through unrivalled experience and customer service, innovative products and cutting edge technology, ServiceLink partners with their clients to mitigate risk, reduce cycle times and lower operating costs while driving maximum performance throughout the life of the loan. The company’s customer base includes 15 of the country’s top 20 national lenders and servicers.

    FNTG’s parent company, Fidelity National Financial, Inc. (FNF) consistently ranked on the Fortune 500 list of America’s largest companies — provides flood insurance, property and casualty insurance and home warranty insurance through our specialty insurance business. FNF is also a leading provider of outsourced claims management services to large corporate and public sector entities through its minority-owned subsidiary, Sedgwick CMS.

    More information about FNF can be found at http://www.FNF.com.
    http://www.fntg.com/pages/compliance-notification.aspx
    Fidelity National Title Group https://www.fntic.com/
    Alamo Title Insurance https://www.alamotitle.com/
    Chicago Title Insurance Co. https://www.ctic.com/
    Commonwealth Land Title Insurance Company http://www.cltic.com/
    Lawyers Title http://www.ltic.com/
    TICOR https://www.ticortitle.com/
    William P. Foley, II
    Chairman of the Board, Fidelity National Financial, Inc., Fidelity National Information Services, Inc.
    William P. Foley, II is Chairman of the Board of Directors for Fidelity National Financial Inc. (NYSE: FNF), and Executive Chairman of the Board of Directors for Fidelity National Information Services, Inc. (NYSE: FIS).
    George Scanlon
    Chief Executive Officer, Fidelity National Financial, Inc.
    George Scanlon is Chief Executive Officer at FNF. He brings nearly three decades of professional accounting, audit and financial management expertise from diverse industries to this role.
    Alan L. Stinson Executive Vice President, Fidelity National Financial, Inc.

    Alan (Al) Stinson is Executive Vice President for Fidelity National Financial, Inc. (NYSE: FNF), currently ranked number 523 on Fortune’s list of America’s largest companies, and a leading provider of title insurance, specialty insurance and claims management services.

    Brent Bickett Executive Vice President – Corporate Finance,

    Fidelity National Financial, Inc.

    Brent B. Bickett is Executive Vice President of Corporate Finance for Fidelity National Financial, Inc. (NYSE: FNF), a leading provider of title insurance, specialty insurance, claims management and information services.

    In addition, Brent serves as Executive Vice President – Corporate Finance for Lender Processing Services, Inc. (NYSE: LPS) and as Executive Vice President – Strategic Planning for Fidelity National Information Services, Inc. (NYSE: FIS).

    Raymond R. Quirk Chief Executive Officer – Fidelity National Title Group

    Randy Quirk is Chief Executive Officer of Fidelity National Title Group (FNTG), one of the nation’s largest and most respected title insurance companies. He is also President of Fidelity National Financial, Inc. (NYSE: FNF), currently ranked number 523 on Fortune’s list of America’s largest companies, and a leading provider of title insurance, specialty insurance and claims management services.

    Chris Abbinante President, Fidelity National Title Group, Inc. – Eastern Operations

    Christopher (Chris) Abbinante is President of the Eastern Operations for Fidelity National Title Group, Inc., one of the largest title insurance companies in the United States and part of the

    Fidelity National Financial, Inc. (NYSE: FNF) family of companies.
    Roger Jewkes President, Fidelity National Title Group, Western Operations

    Roger Jewkes is President of the Western Operations for Fidelity National Title Group, Inc. (NYSE:FNT), the largest title insurance company in the United States. Jewkes joined the title insurance industry in 1977 as a Title Searcher and Examiner with Western Title Insurance Company in Walnut Creek, California.

    Erika Meinhardt President, Fidelity National Title Group, Inc. – National Agency Operations

    Erika Meinhardt is President of National Agency Operations for Fidelity National Title Group, Inc.

    Prior to assuming her current position, Erika served as Division Manager and National Agency Operations Manager for Fidelity National Financial, Inc. from 2001 to 2005. Her responsibilities included management of all Chicago Title and Fidelity National Title operations in the Southeast.

    Anthony J. Park Chief Financial Officer, Fidelity National Financial, Inc.

    Anthony J. (Tony) Park is the Chief Financial Officer for Fidelity National Financial, Inc. (NYSE: FNF), a leading provider of title insurance, specialty insurance and claims management services.

    Peter T. Sadowski Executive Vice President, Chief Legal Officer, Fidelity National Financial, Inc.

    Peter T. Sadowski is Executive Vice President and Chief Legal Officer of Fidelity National Financial, Inc. (NYSE: FNF), currently ranked number 523 on Fortune’s list of America’s largest companies, and a leading provider of title insurance, specialty insurance and claims management services

    Donald Cole Senior Vice President, Chief Corporate Underwriter, Fidelity National Title Group, Inc.

    As Chief Corporate Underwriter, Donald numerous responsibilities include setting national underwriting policies and overseeing underwriting activities for the Fidelity National Title Group (FNTG) family of companies.

    Gary R. Urquhart Executive Vice President, General Claims Counsel, Fidelity National Title Group, Inc.

    Gary Urquhart serves as Executive Vice President and General Counsel for Fidelity National Title Group, Inc., one of the nation’s largest and most respected groups of title insurance underwriters. As General Counsel, Gary is responsible for managing corporate legal affairs, including law department operations, as well as staffing and management of operational costs.

  22. Imporant information following on GMAC General Motors Acceptance Corporation was renamed to GMAC LLC renamed to Ally LLC IRS 38-0572512

    General Motors Acceptance Corp a New York entity since 1919 moved to DE 1997. While in NY at 767 5th Ave New York NY 10153 & 3044 W. Grand Blvd, Detroit MI 48202

    Registrant: 1/5/94 7/25/11
    General Motors Acceptance Corp
    [ now Ally Financial Inc ] GMA U.S. SEC # 40729

    SEC: 2,333 SEC Filings (from 1/5/94 to 7/25/11)

    General Motors Acceptance Corp is a wholly-owned subsidiary of General Mortgage Corp (“GM”).

    GMAC other financial services include insurance, mortgage banking and investment services.

    Acquistions and Mergers during 1997 of interest:
    In November 1997, the Company acquired certain operating assets of LSI Holdings, Inc., a subprime financing and servicing company, and established Nuvell Credit Corporation and Nuvell Financial Services Corporation as two new subsidiaries to conduct subprime financing and servicing operations, respectively, in the United
    States. Both transactions will enable GMAC to continue its growth strategy in the financial services industry.

    Through December 31, 1997, GMAC was organized under Article XII of the Banking Law of the State of New York. In response to a request from the New York State Banking Department to Article XII investment companies that they consider changing their corporate status, GMAC determined that it did not have significant reasons to remain organized under Article XII. Accordingly, GMAC merged on January 1, 1998, with its wholly-owned Delaware subsidiary GMAC Financial Services Corporation. The surviving corporation, named General Motors Acceptance Corporation, is incorporated
    under the Delaware General Corporation Law and has assumed all ights and obligations of the predecessor New York corporation. (GMAC DE 38-0572512)

    Registrant GMAC address in 2002 S-3 $19,300,000 to be offered at $30,000,000,000. Debt Securities Warrants to Purchase Debt Securities.

    GMAC 200 Renaissance Center, Detroit MI 48265 If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933, other than securities offered only in connection with dividend or interest reinvestment plans, check the following box. X

    1/26/1998 year ended 12/31/1997
    S-3 33-31596; 333-17943; 333-12023, 333-33183
    combined value $20 Billion 500,000,000 dollars

    MORTGAGE CONTRACTS:
    ——————
    GMACMG uses various off-balance sheet financial instruments in the normal course of business to manage inherent risk. The derivative financial instruments are held for purposes other than trading and consist primarily of interest rate floors and caps, written and purchased option contracts, futures contracts, and
    individually tailored swap products.

    GMACMG uses derivative financial instruments to hedge price risk associated with its mortgage loans held for sale.

    WAREHOUSE LENDING
    Warehouse lending involves the extension of short-term secured lines of credit to mortgage originators to finance mortgage loans until such loans are purchased by a permanent investor. Advances under the lines of credit are fully secured by the underlying mortgages and bear interest at a rate which is tied to a
    short-term index.

    MORTGAGE BANKING
    GMAC Mortgage Corporation and its subsidiaries (“GMACM”) conduct mortgage banking operations in the United States. GMACM originates and markets single-family and commercial mortgage loans to investors and services these loans on behalf of investors. GMACM also offers home equity loans in some states.

    GMACM, through its wholly-owned subsidiary,
    Residential Funding Corporation (“RFC”), is also engaged in the residential wholesale mortgage conduit business. RFC purchases high balance, single-family residential mortgages from mortgage lenders throughout the United States, securitizes such mortgages into AA or AAA rated mortgage pass-through certificates, sells
    the certificates to investors and performs master servicing of these
    securities on behalf of investors. RFC also provides warehouse lending facilities to certain mortgage banking customers, with advances secured by mortgage collateral.

    SERVICING: GMAC services the retail instalment obligations it has sold to third parties in GMAC’s asset-backed securities program.

    GMACMG sells a majority of its originated loans into various governmental agency (FHLMC, FNMA and GNMA) mortgage-backed securities and whole loans to private investors. GMACMG generally packages its purchased mortgage loans into private
    mortgage-backed securities for sale to investment bankers and private mortgage investors.

    Management also reduces its credit risk for unused lines of credit it extends by applying the same credit policies in making commitments as it does for extending loans. Management does not expect any counterparty to default on its obligations
    and, therefore, does not expect to incur any cost due to counterparty default. The Company does not require or place collateral for these financial instruments, except for the lines of credit it extends.

    GMACMG conducts mortgage banking operations in the United States, Mexico, Canada and the United Kingdom. GMACMG originates and markets single-family and commercial mortgage loans to investors and services these loans on behalf of
    investors. In addition to offering other consumer products including home equity loans, insurance services and trustee services, GMACMG packages securities backed by home equity loans and sub-prime mortgages. GMACMG also actively
    pursues the acquisition of mortgage servicing rights from other mortgage bankers and financial institutions. Operations of GMACMG’s various mortgage banking subsidiaries are conducted through its three primary businesses, GMACM, GMACCM and RFC.

    3/10/1994 GMAC’s ratings:

    Medium &
    Long Term Commercial
    Debt Paper
    ——— ———-
    Duff & Phelps Credit Rating Co. A- D-1
    Fitch Investors Service, Inc. A- F-1
    Moody’s Investor Service, Inc. Baa1 P-2
    Standard & Poor’s Corporation BBB+ A-2

    LINES OF CREDIT WITH BANKS

    On May 19, 1993, agreements were put in place which establish four syndicated bank credit facilities in the U.S. and Europe. The new syndicated credit agreements replaced various individual bank credit facilities maintained by GMAC.

    In the U.S., the syndicated bank credit facilities include a four year,
    $10.0 billion revolving credit facility, as well as a $5.0 billion 364-day asset backed commercial paper liquidity and receivables credit facility to a non-consolidated special purpose entity established to issue asset backed commercial paper. These facilities serve primarily as back-up for GMAC’s unsecured and asset backed commercial paper programs, respectively. On January 26, 1994, the size of the asset backed commercial paper liquidity and
    receivables credit facility was increased to $8.3 billion. In Europe, the syndicated facilities will be used as needed to fund GMAC’s financing operations in line with the Company’s historical reliance on bank debt outside the U.S. and Canada.

    Registration Statements No’s:

    We consent to the incorporation by reference of our report dated February 9, 1994, appearing in this Annual Report on Form 10-K of General Motors Acceptance Corporation for the year ended December 31, 1993, in the following Registration Statements:

    1994
    Registration
    Form Statement No. Description
    —- ————- ——————————-

    S-3 33-12059, $3,000,000,000 General Motors
    33-26057 and Acceptance Corporation GMAC
    33-31596 Variable Denomination
    Adjustable Rate Demand Notes

    S-3 33-45308 and $5,000,000,000 General Motors
    33-49133 Acceptance Corporation
    Debt Securities

    S-3 33-49609 and $10,000,000,000 General Motors
    33-51381 Acceptance Corporation
    Medium -Term Notes

    MAY 30TH 1995 MOODY’S INVESTORS SERVICES, INC.
    RAISED THE CREDIT RATINGS OF THE COMPANY AND IT PARENT, GENERAL MOTORS CORP AS WELLS AS CERTAIN RELATED AFFILIATES.

    SENIOR DEBT FROM Baa1 to A3
    Commercial Papter form Prime-2 to Prime-1

    The Company is pleased with the upgraded ratings as it expects to benefit from increased competitiveness resulting from enhanced financial flexibility and lower borrowing costs.

    Moved from NY to DE by 1997 merged with its predecessor originally incorporated in NY in 1919.

    GMAC Insurance Holdings Inc formed in 1997 conducts insurance operations primarilyin US, Canada and Europe through its subsidiaries, Motors Insurance Corp and Integon corp.

    MORTGAGE BANKING

    GMAC Mortgage Group Inc. and its subsidiaries (“GMACMG”) perform a wide array of real estate financial services including the origination, purchase, financing and servicing of residential, commercial and multifamily mortgage loans as well
    as the issuing, purchasing and selling of mortgage-backed securities. In addition, GMACMG actively pursues the acquisition of mortgage servicing rights from other mortgage bankers and financial institutions. Operations of GMACMG’s
    various mortgage banking subsidiaries are conducted through its three primary businesses: GMAC Mortgage Corporation (“GMACM”); GMAC Commercial Mortgage Corporation (“GMACCM”); and Residential Funding Corporation (“RFC”).

    GMACM originates first and second lien residential mortgage loans through a nationwide retail network and direct lending centers, including its Family First program. Family First, a custom mortgage services program offered to GM
    employees, dealers, and stockholders, is now the country’s largest mortgage program to a single affinity group. In addition to selling its originated loans in the secondary market while retaining the right to service the loans, GMACM actively acquires servicing rights from other mortgage bankers and financial
    institutions. GMACM has diversified its operations to include trustee services and mortgage related insurance products.

    GMACCM is the nation’s largest commercial and multifamily mortgage loan servicer. It is a direct lender and correspondent for life insurance companies and pension funds. GMACCM provides a wide range of innovative financial products and services including long-term, interim and construction financing, appraisal
    services and specialized financing and marketing services.

    RFC is engaged in several interrelated business lines including mortgage securitization, investing, origination and lending operations. RFC, the number-one issuer of private-label mortgage-backed securities in the United
    States, purchases non-conforming, single-family residential mortgages from mortgage lenders throughout the United States, securitizes such mortgages into mortgage pass-through certificates, sells the certificates to investors and
    performs master servicing of these securities on behalf of investors. In addition to prime residential mortgages, RFC also purchases and securitizes sub-prime residential mortgages, home equity lines of credit and home improvement loans. RFC also provides warehouse lending facilities to certain
    mortgage banking customers secured principally by mortgage collateral as well as long-term secured lines of credit to construction lending project managers and national and regional homebuilders. In addition, Residential Money Centers,
    which was acquired in early 1995 by GMACMG, offers a variety of first- and second-mortgage loans to homeowners who do not meet the credit standards normally required in the mortgage market.

    The mortgage banking business is highly competitive. GMACMG competes with other mortgage banking companies, commercial banks, savings associations, credit unions and other financial institutions in every aspect of its business, including funding and purchasing loans from mortgage brokers, purchasing loans
    from correspondents, securitizing and selling loans to investors and acquiring loan servicing rights and origination capabilities.

    March 17, 1998

    RATING AGENCY Senior Debt Commercial Paper
    ——————————– ————— ———————–
    Duff & Phelps Credit Rating Co. A- D-1 Fitch Investors Service, Inc. A F-1
    Moody’s Investors Services, Inc. A3 Prime-1
    Standard & Poor’s Ratings Services A A-1

    —————————————-
    From 2002

    Description of Debt Securities

    The debt securities offered are to be issued under an Indenture dated as of July 1, 1982, as amended by:

    o a First Supplemental Indenture dated as of April 1, 1986

    o a Second Supplemental Indenture dated as of June 15, 1987
    o a Third Supplemental Indenture dated as of September 30, 1996

    o a Fourth Supplemental Indenture dated as of January 1, 1998
    o a Fifth Supplemental Indenture dated as of September 30, 1998 and as further amended by the Trust Indenture Reform Act of 1990 (together, the “Indenture”), between us and The Bank of New York, Successor Trustee (the “Trustee”), copies of which are filed as exhibits to the registration statement. The following summaries of certain provisions of the Indenture are not complete and are subject to all provisions of the Indenture, including the definition of certain terms.

    he Indenture provides that, in addition to the debt securities beingoffered, additional debt securities may be issued without limitation as to aggregate principal amount, but only as authorized by our Board of Directors.

  23. Carrie – I need another set of eyes to decipher GMAC Mortgage LLC registered with secretary of state in various fictitious names including GMAC Bank, gmacmortgage.com, etc, as related to GMAC Mortgage Corp of IA, GMAC Mortgage Corp of PA, etc.
    GMAC or General Mortors Acceptance Corp is formerly GMAC LLC and now Ally LLC.

    Coincidence used for an example and overview:
    ‘MERS’ website you will find an interesting chart.
    Live example of MERS eRegistry and eDelivery Recipients – Overview

    ‘1000108 – GMAC Interim Funder – UAT
    ‘1000113’ – Wells Fargo Home Mortgage a div Wells Fargo Bank NA
    ‘1000130’ – Fannie Mae – UAT

    Recipient Distribution Approval 1000130 –
    Fannie Mae 2/26/2006
    Approval Conditional

    MIN
    1000101 – 092300011-4 ‘First Nationwide Mortgage Corp’ Inactive
    1000101 – 092300011-4 ‘First Nationwide Mortgage Corp’ Inactive
    1000109 – 000000003-1 ‘National Americas Investment Inc.’ Active
    1000116 – 030411160-6 ‘JP Morgan Chase Bank’ Active

    Note: MERS MIN MEMBER ID: 100101: First Nationwide Mortgage Corp not active in MERS database today. Found name definition defined inside Property Records Industry Association http://www.pria.us presentation. A very interesting discussion and presentation to municipalities for managing land and property records.

    Citibank dba First Nationwide Mortgage Corp 5280 Corporate Dr., Frederick MD 21703-8351 – Looked up and found this entity responsible for funding commercial loans for over 50 years in all 50 states. Conventional and private funded loan programs, high loan – high value rations and no ceiling on loan amounts.
    Direct source for COMMERCIAL mortgage transactions.
    Gerald Ford -Chb
    Bernard koegan AVP
    Diana Yocke Dir of MIS

    Note: MERS MIN 1000116 – paularush.com website provides excellent disclosure on MERS and JPM – Chase – Warehouse Lenders etc.

    AltA MERS Linke website Underwriters “prefer look of loan detail screen” on MERS Link search as it provides detail on the trustee as well as the recording information.
    ————————————————————————————-

    Discussion:

    General Mortors Acceptance Corporation renamed to GMAC LLC renamed to Ally LLC

    1/5/94 7/25/11 General Motors Acceptance Corp
    [ now Ally Financial Inc ] GMA U.S. SEC # 40729

    1996 GMAC-RFC subsidiares o General Mortors Acceptance Corp are indeed related to birth of Norwest Asset Securities Corp … newly acquired affiliate (GMAC-RFC, Chase Manhattan Mortgage Corp, Norwest ….)

    When the clock tolled 01 – 01 – 2000 and the world did not end, the banks were positioned well to utilize quantum data processing using the ‘pending’ surrounding the processing of virutal requests to engate nationwide the attorneys and title and settlement agents, agencies, insurance companies, etc. to engage in retail escrow net-funding during origination and force feed the Alternative Receivable Assets and Alternative Loans pipelines.

    Since June 2004, all of the Originations processed by Wells Fargo Bank NA are processed under a tradename and the ‘mortgage corporation’ business is not done inside of Wells Fargo Bank, National Association, Sioux Falls SD, not all of the origination and servicing transactions including the SEC are through Wells Fargo Bank NA tradename dba Wells Fargo Financial formerly known as Norwest Financial in Minneaplis MN.

    Both American Servicing Company and Wells Fargo Bank NA are merely tradenames and not the entity – I repeat a ‘tradename’ not a legal business entity.

    Fact of the matter ‘ Wells Fargo Bank, National Association in SIoux Falls SD stopped doing residential mortgages per public documents June 1998. Remember Wells Fargo Bank, National Association the OCC approved to be the first trade bank of the United States of America 1996. June 1998 the merger – marriage of Wells Fargo & Co and Norwest in progress. Norwest already known as the largest producer of non-conforming mortgage products.

    Mark Oman and Pete Wissinger of Norwest liked the ‘sound’ of the ‘stagecoach’ much better than Norwest Finanical know to be the largest producer of sub-prime and alternative investments, alternative loans, alternative financing feeding pipeline of the new ABS, MBS, RMBS transactions to purchasers of non-conforming mortgage products….. in joint ventures with ….

    Let us not forget that Norwest survived the merger like a marraige and took on the spouse’s last name ‘ Wells Fargo & Co’ whose Parent holding company WFC HOLDINGS corp moves all of the assets in its owners name c/o Cede & Co Nominee DTC safely out of the USA every dollar deposited invested in accordance with its many charters including ‘national association.’

    What about Microsoft’s venture ?
    News Release
    REDMOND WA 3/16/2000
    Formation HomeAdvisors Technologies Inc.
    Steve Ballmer, president and CEO of Microsoft, as well as executives from Freddie Mac; Chase.com; GMAC-Residential Funding Corp. (GMAC-RFC); Norwest Mortgage Inc., a Wells Fargo company; and Partners in HomeAdvisor Technologies are committed to the widespread adoption of the Bank of America.

    Microsoft will hold a majority stake in HomeAdvisor Technologies Inc.; Chase.com, Chase Capital Partners, GMAC-RFC, Norwest Mortgage and Bank of America will also be taking an equity interest in the new venture, and Freddie Mac has provided significant technology contributions and has a financial interest in the new company.

    The new company will have strong ties back to its industry partners and parent companies in the form of commercial agreements for technology sharing and distribution through online and offline channels. Bryan Mistele, general manager of HomeAdvisor, will continue to lead the new company.

    Interesting that on 3/13/2000 Wells Fargo & Co. classification with FED changed to Finanical Holding Company.

    No accident that 3 days later on 3/16/2000 “The mortgage market is undergoing revolutionary changes, driven largely by advances in technology,” said Leland C. Brendsel, chairman and CEO of Freddie Mac. “Through HomeAdvisor Technologies, we are responding to these changes by making our suite of innovative tools available to our lending partners and enabling them to deliver a faster, more efficient and lower-cost mortgage process to consumers.”

    Freddie Mac is one of the nation’s largest investors in residential mortgages, helping home buyers save billions of dollars on their home loans each year. Chase, GMAC-RFC, Norwest Mortgage and Bank of America represent more than $400 billion dollars in mortgage originations each year, based on relationships with a vast majority of real estate and mortgage professionals.

    Freddies’ acquisition of Tuttle Decision Systems and its Electronic Services Platform enables HomeAdvisor Technologies to link data capture, decisioning and underwriting engines and third-party service providers to mortgage pricing conduits in the secondary loan market.

    Tuttle’s technology links more than 800 mortgage banks across the country to the nation’s largest mortgage conduits and facilitated the electronic registration of more than $26.5 billion in mortgages last year. Seamless data exchanges and integration of key underwriting engines and loan origination systems enable HomeAdvisor Technologies to save considerable time and money for both consumers and industry professionals.

    “We’ve taken a critical look at several industry players and now know that Microsoft is the mortgage technology company best positioned to deliver real value to its customers,” said Bruce Paradis, president of GMAC-RFC. “The combination of its technology leadership with our deep relationships and expertise in the mortgage finance industry make for a formula that will be extremely tough to beat.”

    “As the nation’s largest direct lender to consumers, we are very excited to enter into this relationship,” said Pete Wissinger, president and CEO of Norwest Mortgage Inc. “HomeAdvisor Technologies extends our ability to improve the value and service we provide the American home buyer. It is a natural fit with our ongoing strategy to serve our customers when, where and how they want to be served.”

    “This unique venture is a natural extension of Chase’s long-standing relationship with Microsoft and brings together highly trusted companies and industry leaders that share a clear vision for creating new business models for the Internet economy,” said Denis O’Leary, executive vice president of Chase Manhattan and head of Chase.com.

    “The formation of HomeAdvisor Technologies is an example of how Chase Home Finance, the nation’s leading mortgage originator and servicer, is using the Internet to deepen relationships with Chase’s entire home financing customer base — correspondents, brokers, realtors and corporate customers.”

    The HomeAdvisor Technologies loan platform, which will debut on HomeAdvisor TM .com in the coming weeks, automates many of the steps required to approve and finance a mortgage, including credit checks, appraisals and underwriting decisions. As a result, this new process can save the average home buyer more than $2,000 over the course of a loan, enable them to instantly lock a real loan rate online, and cut the closing process from more than a month to just 10 days. The platform will also eliminate many of the closing costs associated with mortgages today.

    HomeAdvisor Technologies also announced today the acquisition of Tuttle Decision Systems Inc., a mortgage technology company that enables the loan platform to provide risk-based, lockable loan rates from multiple lenders more cost-effectively than those available anywhere else.

    “HomeAdvisor Technologies makes buying a home easier and more affordable, thanks to groundbreaking new technology and some incredible partners,” Ballmer said. “HomeAdvisor Technologies is dedicated to helping everyone — consumers as well as real estate and mortgage professionals — save countless hours and thousands of dollars with new products developed as a result of this partnership with Freddie Mac, Chase.com, GMAC-RFC, Norwest Mortgage and Bank of America.”

    HomeAdvisor Technologies will consist of three divisions, each with distinct goals for improving the way homes are bought, financed, maintained and sold. Together, these three groups will form the nation’s leading consumer and business-to-business real estate and mortgage e-commerce company:

    • The Transaction Platform Division will combine Microsoft® technology with electronic loan decision and processing tools (credit, underwriting and property valuation) from its partners to streamline and automate all aspects of the mortgage and real estate transaction, saving consumers money while virtually eliminating paperwork and red tape. This platform will be developed and maintained by HomeAdvisor Technologies and distributed by partners to banks, lenders and real estate professionals, allowing real estate and mortgage professionals to pass along significant savings in time and cost to their own customers.

    • The Productivity Tools Division will provide real estate professionals with the tools essential for expanding their businesses profitably and better serving their customers while enabling industry professionals to fully utilize customized versions of the products developed by the Transaction Platform Division. Last month, HomeAdvisor Technologies announced Realty Desktop, its first productivity tool. Realty Desktop is a complete suite of tools designed specifically for the nation’s leading real estate companies.

    • The HomeAdvisor.com Division is expanding the scope of HomeAdvisor.com to address every home-related decision that consumers make in their lifetime.

    About HomeAdvisor Technologies Inc.

    HomeAdvisor Technologies, Inc. is dedicated to dramatically improving the way homes are financed, bought, sold and maintained. The new company, already backed by Chase Manhattan Mortgage, Freddie Mac, GMAC-RFC, Microsoft, Norwest Mortgage and Bank of America, consists of three distinct divisions focused on delivering the tools and services necessary to revolutionize the real estate and mortgage transaction while delivering significant time and cost savings to consumers as well as real estate and mortgage professionals. The company’s award-winning consumer Web site, HomeAdvisor.com, helps consumers address every home-related decision while providing the lowest loan rates available on the Web. (Details of guarantee will be available online at http://www.homeadvisor.com/ .)

    About Microsoft

    Founded in 1975, Microsoft (Nasdaq “MSFT” ) is the worldwide leader in software for personal and business computing. The company offers a wide range of products and services designed to empower people through great software – any time, any place and on any device.

    Microsoft, MSN and HomeAdvisor are either registered trademarks or trademarks of Microsoft Corp. in the United States and/or other countries.

    General Motors Acceptance Corporation
    Affiliated Issuers
    Ally Credit Canada Limited
    General Motors of Canada Limited
    CAMI Automotive Inc.
    General Motors Corporation
    GMAC Commercial Mortgage Funding Asia, K.K.
    GMAC International Finance B.V.
    GMAC Australia LLC
    GMAC, Australia (Finance) Limited
    GMAC (U.K.) plc
    GMAC Bank GmbH
    GMAC Financial Services (N.Z.) Limited
    Delphi Corporation
    GMAC Commercial Mortgage Bank Europe, plc
    GMAC Commercial Mortgage Funding, plc
    Escrow Bank USA
    Residential Capital, LLC
    Residential Funding of Canada Finance LLC

  24. @etolle Go to MERS site and under tools select members directory
    than select mers ready member search. Enter the 7 digit code and that should tell you the owner.

  25. Can anyone elaborate on the following from above:

    “Who is the MERS MEMBER? First 7 digits of a ‘Min’ # are the ‘Members ID number assigned.”

    Is there a data base that one can locate the actual Mers member by this 7 digit deal?

  26. From propublica.org comment section of this article:

    http://www.propublica.org/article/gmac-mortgage-whistleblower-foreclosure

    “John R.
    Yesterday, 8:46 p.m.

    to realitycheck… oh… it’s much worse than that. 1st., they didn’t loan any of their own money.. they created a “Trust” with the promise of filling it with bundled mortgages (called mortgage backed Securities). Then they sold shares of the Trust to investors and took that money to loan to homeowners.. then, they made the loans and charged commissions and fee’s… then, before they could make the deposits into the Trusts legally (IRS & Trust Law), they had to “bundle those loans” using another legal “entity”. So they transferred the mortgages to a securitizing “Agent” (again charging fee’s) who bundled up about 5000 mortgages into the above mentioned “Mortgage backed Security” and then transferred the bundle (again charging another fee) to another “entity” called the “Depositor” who (for a fee of course) Deposited the MBS’s into the Trust (sometimes!) and all the while, generally, retaining the rights to act as the Trustee for the Trusts (for which they charged a fee!)

    Knowing that the loans were less than good…. they then bet against the Trusts!

    When it all went down, the collected from the bets (Credit Default Swaps) and us taxpayers too!

    So whereas the banks got the bailout money… they didn’t own the bad mortgages! That way, they weren’t being “paid off”… we were all just getting screwed!”

    Doesn’t that mean “NOT FUNDED”?

  27. Top O’ the morning Neil…..

    http://www.youtube.com/watch?v=Ek5mo734hF4

    BTW you have a typo in the headline. Next thing you know major media will pick at you for it. I can hear them now…. “See….. he had a typo on July 30th….. He’s not legit!!!!!….. the banks are okay!”

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