STATE OF NEW YORK SUPREME COURT : COUNTY OF ERIE _______________________________________ CREDIT-BASED ASSET SERVICING AND SECURITIZATION, LLC Plaintiff,

Index No. 2003-2388 -againstMARSHA PILLICH, et. al. Defendants. _______________________________________ STATE OF TEXAS COUNTY OF HARRIS ) ss) )

AFFIDAVIT OF CHRISTOPHER A. WYATT

I, CHRISTOPHER A. WYATT, being first duly sworn, deposes and says as follows: 1. My name is Christopher A. Wyatt, and I currently reside at 406 Spring Lakes Haven, Spring, Texas 77373. I have personal knowledge of the facts stated in this affidavit based on my personal knowledge and experience. The

statements contained herein are true and correct. If called upon, I would be willing to testify in court as to these matter. 2. On November 5, 2011, Plaintiff engaged to related to a review mortgage documents as well as certain affidavits relating to the summary judgment

motion seeking a judgment of foreclosure relating to certain real property commonly known as, 8 Eltham Drive, Amherst, NY 14226 (the Subject Property). Qualifications 3. I currently offer services as a consultant and/or as an expert in the field of mortgage loan servicing through my company, Wyatt Consulting Services. 4. A true and correct copy of my curriculum vitae is attached hereto, Marked Exhibit A, and incorporated by reference. 5. 3. To summarize my qualification and expertise, I have over 20 years of experience in the residential mortgage loan servicing industry beginning with my employment at Bank United where I worked from October 1987 to May 2000, to Litton Loan Servicing (Litton) where I was employed from June 2001 to April 2010, and then to my present employment with Wyatt Consulting Services that began on May 2010. 6. 4. During my employment with Litton, I served in the position of Vice President Litigation and Executive Resolution; however, I am not an attorney. Documents Reviewed 7. I reviewed the following documents: a. Affidavit of Helen Steels, a true and correct copy of which is attached hereto as Exhibit B. b. Affidavit of Jackie Houston, a true and correct copy of which is attached hereto as Exhibit C. c. Assignment, dated December 31, 2002, executed by George Knight, as

Assistant Vice President of Nationscredit Financial Services Corporation, a true and correct copy of which is attached hereto as Exhibit D. d. LINKEDIN.COM public employment resume published by George Knight. Affidavit of Helen Steels 8. The affidavit of Helen Steels does not contain an execution date. 9. Although the notary merely indicates that Ms. Steeles affidavit was executed on or about July 23, 2003, it has been my experience while working at Litton that these types of affidavits were not executed in the presence of the a notary. 10. More importantly, the affidavit indicates that Ms. Steele is an authorized agent of the Plaintiff, Credit Based Asset Servicing and Securitization LLC (CBass), and that her knowledge is based on an examination of the records of C-Bass. 11. From working at Litton, I know that C-Bass limited the number of Litton officers to act as an authorized representative through a Limited Power of Attorney. However, there is nothing in Ms. Steeles affidavit stating that Ms. Steele was an authorized representative acting on C-BASSs behalf through a limited power of attorney. 12. There is no indication by C-BASS or Ms. Steele that Ms. Steele was authorized to execute this affidavit on behalf of C-Bass. Based on my

experience with while working at Litton, Ms. Steele did not have authority. 13. Furthermore, C-Bass was not servicing the loan for the Subject Property, thus it did not maintain the appropriate records with this Litton servicer. Based upon my direct knowledge as to Littons internal procedures concerning

Littons litigation support, it is my opinion that Ms. Steele could not have reviewed any records maintained by C-Bass to support her affidavit in this action. 14. Finally, it has been my experience that Litton representatives during this time period did not actually review the underlying loan information (e.g., computing amounts due and owing) prior to or after the execution of any affidavits. Affidavit of Jackie Houston 15. As with the affidavit of Helen Steele, the affidavit of Jackie Houston does not contain an execution date. (see Exhibit B) 16. Although the notary merely indicates that the affidavit was executed on or about January 4, 2004, it has been my experience that these types of affidavits were not likely executed in the presence of the a notary. 17. More importantly, the affidavit indicates that she is an authorized agent of the C-Bass, and that her knowledge is based on an examination of the records of C-Bass. 18. C-Bass limited the number of Litton officers to act as an authorized representative through a Limited Power of Attorney. However, there is nothing in Ms. Houstons affidavit stating that Ms. Houston was an authorized representative acting on C-BASSs behalf through a limited power of attorney. 19. There is no indication by C-BASS or Ms. Houston that Ms. Houston was authorized to execute this affidavit on behalf of C-Bass. Based on my

experience with while working at Litton, Ms. Houston did not have any

authority. It is my opinion, that Ms. Houston could not have reviewed any records maintained by C-Bass in order provide any information concerning the loan in her affidavit. 20. Finally, it has been my experience that Litton representatives during this time period did not actually review the underlying loan information (e.g., computing amounts due and owing) prior to or after the execution of any affidavits. Assignment Allegedly Authorized by George Knight 21. I based my opinion on my review of this 12/31/02 assignment of the Pillich Note related to the endorsements on the Note and the Assignment of Mortgage and George Knights published work resume. 22. C-Bass filed a recorded document in Erie County Clerks office in Jan 19,2003 of an Assignment of Mortgage, dated December 31, 2002, executed by George Knight, as Assistant Vice President of AAMES Capital Corporation.(Exhibit D) However, a public work resume filed by George Knight

himself(seeExhibit E) portrays George Knights entire work career published with LINKEDIN.com, a national internet recruiting search firm, as being employed solely by AAMES Home Loan as a collateral control

manager from 1996 through 2003, not as an officer of either AAMES Capital Corporation or AAMES Home Loan. This is strong evidence that someone including George Knight was working collateral control and in the right place at the right time to assist in falsifying signatures and may not have been an officer of AAMES Capital Corporation.

23. The Assignment of Mortgage is stamped as notarized by R.P. Umali. 24. Based on my review of this Assignment, it is my opinion, that the Notary signature was forged on this assignment. 25. In support of this opinion, I reviewed three (3) separate assignments that were executed by R.P. Umali. (see Exhibit D) 26. Based on my review of the signatures on these assignments, it is my opinion, that the Nationscredit Financial Services Corporation Assignment of Mortgage was not notorized by R.P. Umali. 27. Furthermore, the Nationscredit Financial Services Corporation assignment conveys title to a mortgage, dated May 19, 1999. The mortgage at issue in this case was dated May 12, 1999. As a result, it is my opinion, that this assignment is invalid by reason of the forgery and AAMESofficer impersonation that is a massively re-occurring crime in the mortgage industry known as a robo-signed document. All of the above statements are true and correct and stated as facts based upon my own personal knowledge. ______________________________________ CHRISTOPHER WYATT, Affiant Sworn to and subscribed before me on this the _____ day of _________________, 2011.

___________________________________ Notary Public My Commission Expires: ______________