Excerpts:

4 Q. So all of the client files, all of your
5 clients have a file in that system, and you maintain
6 records relating to that client in these files?
7 A. No. Specific clients are in specific
8 systems. So you update only those clients that are in
9 that particular system.
10 Q. Okay. What system would MERS be in?
11 A. MERS isn’t in the system.
12 Q. They’re not? What about GMAC Mortgage, LLC?
13 A. They’re NewTrack.
14 Q. What other systems do you use for the — for
15 the clients, for your clients?
16 A. It depends upon the client.
17 Q. Can you give me some examples of the systems?
18 A. Um, we have Lendstar, we have Vendorscape,
19 those are the two that I have used.
20 Q. And you’ve also used NewTrack?
21 A. Yes, ma’am.
22 Q. What type of information do you keep in the
23 systems?
24 A. We have to update when hearings are
25 scheduled, when service is complete for the clients.

1 Q. Do you also keep in those systems,
2 information as to when the lawsuit is filed, when
3 assignments are executed, when affidavits are
4 executed?
5 A. When complaints are filed, yes.
6 Q. But not when assignments are executed or
7 affidavits are executed?
8 A. No.
9 Q. Is that information kept in another software
10 program?
11 A. Not to my knowledge.

<SNIP>

1 A. It’s a form. It’s the same form for every
2 assignment.
3 Q. So you do not read them?
4 A. They’re checked by an attorney before I sign.
5 Q. So you rely on the attorney?
6 A. Yes.
7 Q. Okay. Also, in this document it indicates
8 that “Mortgage Electronic Registration Systems, Inc.,
9 residing or located at care of GMAC Mortgage, LLC,”
10 what does that mean?
11 A. The address of the servicer.
12 Q. So Mortgage Electronic Registration System is
13 the servicer?
14 A. Mortgage Electronic Registrations is who
15 the — the mortgage apparently was sitting in the name
16 of for this file at the time.
17 Q. And GMAC is the servicer?
18 A. Correct.
19 Q. What does that phrase residing or located at
20 care of mean?
21 A. That’s an address.
22 Q. So MERS is physically located at GMAC
23 Mortgage, LLC?
24 A. I don’t know.
25 Q. Don’t know. Do you have access to any of the

1 title work, or any other information before you
2 execute the assignments of mortgage?
3 A. It’s in the file that’s been reviewed by the
4 attorney.
5 Q. So you don’t review them yourself?
6 A. No. It’s been reviewed by the attorney.
7 Q. Are you — what provides you the
8 authorization to sign?
9 You notice on the assignment, that you’re
10 executing it as Assistant Secretary of Mortgage
11 Electronic Registration System; is that correct?
12 A. Correct.
13 Q. So before I asked you if you were employed by
14 any other corporations, you indicated that you were
15 not. What does it mean when you hold the position of
16 Assistant Secretary of Mortgage Electronic
17 Registration Systems, Inc.?
18 A. We have power of attorney.
19 Q. And what does that mean?
20 A. That we had authorization to sign on behalf
21 of.
22 Q. And did you obtain that power of attorney?
23 A. No, I did not.
24 Q. Did you — do you know anything about the
25 negotiations leading up to the execution of that power

1 of attorney?
2 A. No.

<SNIP>

23 Q. If you’ll take a look at the first document
24 that I handed to you, the Lis Pendens and complaint.
25 If you look, there’s a document attached to that as

1 Exhibit A. And who is listed as the lender on that
2 document?
3 A. It says MERS.
4 Q. And does it, a little bit further down, also
5 say Taylor, Bean, and Whitaker Mortgage Corporation,
6 “lender —
7 A. Uh-huh.
8 Q. — is organized and existing under the laws
9 of?”
10 A. Uh-huh.
11 Q. Do you have any documents — did you have any
12 documents in your file relating to Taylor, Bean and
13 Whitaker Mortgage Corporation at the time you executed
14 the assignment?
15 A. I don’t know.
16 Q. Would you have looked at the original
17 mortgage prior to executing the assignment?
18 (Brief telephonic interruption.)
19 THE WITNESS: No. Again, they were reviewed
20 by an attorney.

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