Paths of Note(s) and

Mortgages(s)
Loan #114726037
Tim A. Bryant

Bank of New York

Actual Funder

Paths of the Note(s) - loan# 114726037

Borrower

Countrywide
Home Loans, Inc

Mortgage Electronic
Registration Systems, Inc

Goldman Sachs
Mortgage Company

BAC Home Loans

Servicing, LP

Goldman Sachs Mortgage

Securities Corp

Bank of
America, NA

HSBC Bank USA

As Trustee
GSAA HET 2005-15

Nationstar
Mortgage

Morgan Stanley
Mortgage Capital
Holdings, LLC

Goldman Sachs
& Co.

GSAA Home Equity

Trust 2005-15

Note converted
Into a security

HSBC Bank USA

As Trustee
GSAA HET 2005-15

Deutsche Bank
National Trust
as Document Custodian
GSAA HET 2005-15

Bank of
America, NA

W ells Fargo
GSAA HET 2005-15

HSBC Bank USA

As Trustee
GSAA HET 2005-15

???
Bearer

18 U.S.C. 514. Fictitious obligations

(a) Whoever, with the intent to defraud
(1) draws, prints, processes, produces, publishes, or otherwise makes, or attempts or causes the
same, within the United States;
(2) passes, utters, presents, offers, brokers, issues, sells, or attempts or causes the same, or with
like intent possesses, within the United States; or
(3) utilizes interstate or foreign commerce, including the use of the mails or wire, radio, or other
electronic communication, to transmit, transport, ship, move, transfer, or attempts or causes the
same, to, from, or through the United States,
any false or fictitious instrument, document, or other item appearing, representing, purporting, or
contriving through scheme or artifice, to be an actual security or other financial instrument issued
under the authority of the United States, a foreign government, a State or other political
subdivision of the United States, or an organization, shall be guilty of a class B felony.
(b) For purposes of this section, any term used in this section that is defined in section 513(c) has
the same meaning given such term in section 513(c).
(c) The United States Secret Service, in addition to any other agency having such authority, shall
have authority to investigate offenses under this section.

Massachusetts General Laws: CHAPTER 266, Section 53A: Bank officers and employees p
misconductp penalty
An officer, director, trustee, agent or employee of a bank, as defined in section one of chapter
one hundred and sixty-seven, who wilfully misapplies otherwise than as described in section fiftytwo or fifty-three, any of the moneys, funds, credits or other property of such bank; or who,
without authority from the directors or trustees of such bank, executes or issues a certificate of
deposit, order or bill of exchange, or makes an acceptance, purporting to be executed, issued or
made by such bank; or who, without such authority, assigns any note, bond, draft, bill of
exchange, mortgage, judgment, decree or other property of such bank; or who loans the funds or
credit of such bank to any individual, corporation, joint stock company, trust, association or
partnership when the assets of such borrower are known by such officer, director, trustee, agent
or employee to be less than all the liabilities of such borrower other than debts subordinated to
such loan, unless such loan is adequately secured or is necessary for the protection of existing
loans; or who knowingly receives or accepts for such bank any fictitious, valueless, inadequate or
irresponsible obligation directly or as security or endorsement unless the consideration or
security is otherwise sufficient, or unless it shall be necessary to prevent loss upon a debt
previously contracted in good faith; or who certifies any check drawn upon such bank unless the
drawer then has on deposit with the bank and entered to his credit on its books not less than the
amount of money specified in the check; or who resorts to any fictitious or colorable loan,
transfer or device to avoid any provision of law relating to such bank; or who knowingly makes or
causes to be made any false entry in any book, report or statement of such bank; and any
person who knowingly aids or abets any violation of this section shall be punished by a fine of
not more than ten thousand dollars or by imprisonment in the state prison for not more
than ten years, or in a jail or house of correction for not more than two and one half years,
or by both such fine and imprisonment .

Massachusetts General Laws: CHAPTER 266, Section 35: False material statements or
omissions during or in connection w ith mortgage lending process p penalties p mitigating
factors with respect to sentencing
(b) Whoever intentionally: (1) makes or causes to be made any material statement that is false or
any statement that contains a material omission, knowing the same to be false or to contain a
material omission, during or in connection with the mortgage lending process, with the intent that
such statement be relied upon by a mortgage lender, borrower or any other party to the
mortgage lending process; (2) uses, or facilitates the use of, any material statement that is false
or any statement that contains a material omission, knowing the same to be false or to contain a
material omission, during or in connection with the mortgage lending process, with the intent that
such statement be relied upon by a mortgage lender, borrower or any other party to the
mortgage lending process; (3) receives any proceeds or any other funds in connection with a
residential mortgage closing, knowing such proceeds or funds were obtained in violation of
clause (1) or (2); or (4) files or causes to be filed with a registrar of deeds any document that
contains a material statement that is false or a material omission, knowing such document to
contain a material statement that is false or a material omission, shall be punished by
imprisonment in the state prison for not more than 5 years or by imprisonment in the
house of correction for not more than 2 and one-half years or by a fine of not more than
$10,000 in the case of a natural person or not more than $100,000 in the case of any other
person, or by both such fine and imprisonment .
Any person who engages in a pattern of residential mortgage fraud shall be punished by
imprisonment in the state prison for not more than 15 years or by a fine of not more than
$50,000, in the case of a natural person, or not more than $500,000 in the case of any other
person, or by both such fine and imprisonment.

Note #1
As evidenced by the alleged face of the promissory note

No in trust endorsements. Note is strictly for the use of the bearer.

There is no identified note holder or payee. Performance to pay the
instrument can only occur by disclosure of the actual holder of the
original wet-ink note.

Countrywide Home
Loans, Inc. (CHL)

???
(Bearer paper)

Undated CHL indorsement-in-blank appears

on note between 2013-2015
Signatory to indorsement (David A. Spector) left CHL in
August of 2006, and CHL ceased to exist in November
2008.

Massachusetts General Laws: CHAPTER 267, Section 16: Fictitious signatures of

corporate officers or agents
If a fictitious or pretended signature, purporting to be the signature of an officer or agent of a
corporation, is fraudulently affixed to an instrument or writing purporting to be a note, draft or
other evidence of debt issued by such corporation, with intent to pass the same as true, it shall
be a forgery, although no such person may ever have been an officer or agent of such
corporation, or ever have existed.
Massachusetts General Laws: CHAPTER 266, Section 31: Signaturep obtaining under false
pretenses
Whoever by a false pretence, with intent to defraud, obtains the signature of a person to a written
instrument, the false making whereof would be a forgery, shall be punished by imprisonment
in the state prison for not more than ten years, or by a fine of not more than five hundred
dollars and imprisonment in the jail for not more than two years .
Massachusetts General Laws: CHAPTER 266, Section 33: Larceny p false pretences
relating to contracts , banking transactions or credit
(1) Whoever, with intent to defraud, obtains by a false pretence the making, acceptance or
endorsement of a bill of exchange or promissory note, the release or substitution of collateral or
other security, an extension of time for the payment of an obligation, or the release or alteration
of the obligation of a written contract, or (2) whoever, with intent to defraud, by a false
statement in writing respecting the financial condition, or means or ability to pay, of himself or of
any other person, obtains for himself or for any other person credit from any bank or trust
company or any banking institution or any mortgage lender, as defined in section 1 of chapter
255E, or any retail seller of goods or services accustomed to give credit in any form whatsoever
shall be guilty of larceny.

Massachusetts General Laws: CHAPTER 106, ARTICLE 3, Section 3-203: Transfer of

Instrumentp Rights Acquired by Transfer
(a) An instrument is transferred when it is delivered by a person other than its issuer for the
purpose of giving to the person receiving delivery the right to enforce the instrument.
(b) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the
transferee any right of the transferor to enforce the instrument, including any right as a holder in
due course, but the transferee cannot acquire rights of a holder in due course by a transfer,
directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality
affecting the instrument.
(c) Unless otherwise agreed, if an instrument is transferred for value and the transferee does
not become a holder because of lack of indorsement by the transferor, the transferee has a
specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of
the instrument does not occur until the indorsement is made.
(d) If a transferor purports to transfer less than the entire instrument, negotiation of the
instrument does not occur. The transferee obtains no rights under this Article and has only the
rights of a partial assignee.

Notes #2 and #3
As evidenced by the records of the Securities Exchange
Commission (US)

Note converted into securities

Goldman Sachs & Co.

(Principal Balance Only)

Goldman Sachs Mortgage Conduit Program

Countrywide
Home Loans

Goldman Sachs
Mortgage Co.

GS Mortgage
Securities Corp.

Note sold twice

GSAA Home Equity Trust

2005-15

Deutsche Bank National

Trust Company
as Custodian
GSAA Home Equity Trust 2005-15
HSBC Bank USA
As Trustee
GSAA Home Equity Trust 2005-15

There are no in trust or use endorsements on the face of the promissory note at
issue, for any of these entities other than Countrywide Home Loans.

Securities Exchange Act

VALIDITY OF CONTRACTS
SEC. 29. (a) Any condition, stipulation, or provision binding any person to waive compliance with any provision of
this title or of any rule or regulation thereunder, or of any rule of a self-regulatory organization, shall be void.
(b) Every contract made in violation of any provision of this title or of any rule or regulation thereunder, and every
contract (including any contract for listing a security on an exchange) heretofore or hereafter made, the
performance of which involves the violation of, or the continuance of any relationship or practice in violation of,
any provision of this title or any rule or regulation thereunder, shall be void (1) as regards the rights of any person
who, in violation of any such provision, rule, or regulation, shall have made or engaged in the performance of any
such contract, and (2) as regards the rights of any person who, not being a party to such contract, shall have
acquired any right thereunder with actual knowledge of the facts by reason of which the making or performance of
such contract was in violation of any such provision, rule,or regulation: Provided, (A) That no contract shall be void
by reason of this subsection because of any violation of any rule or regulation prescribed pursuant to paragraph
(3) of subsection (c) of section15 of this title, and (B) that no contract shall be deemed to be void by reason of this
subsection in any action maintained in reliance upon this subsection, by any person to or for whom any broker or
dealer sells, or from or for whom any broker or dealer purchases, a security in violation of any rule or regulation
prescribed pursuant to paragraph (1) or (2) of subsection (c) of section 15 of this title, unless such action is
brought within one year after the discovery that such sale or purchase involves such violation and within three
years after such violation. The Commission may, in a rule or regulation prescribed pursuant to such paragraph (2)
of such section 15(c), designate such rule or regulation, or portion thereof, as a rule or regulation, or portion
thereof, a contract in violation of which shall not be void by reason of this subsection.
(c) Nothing in this title shall be construed (1) to affect the validity of any loan or extension of credit (or any
extension or renewal thereof) made or of any lien created prior or subsequent to the enactment of this title, unless
at the time of the making of such loan or extension of credit (or extension or renewal thereof) or the creating of
such lien, the person making such loan or extension of credit (or extension or renewal thereof) or acquiring such
lien shall have actual knowledge of facts by reason of which the making of such loan or extension of credit (or
extension or renewal thereof) or the acquisition of such lien is a violation of the provisions of this title or any rule or
regulation thereunder, or (2) to afford a defense to the collection of any debt or obligation or the enforcement of
any lien by any person who shall have acquired such debt, obligation, or lien in good faith for value and without
actual knowledge of the violation of any provision of this title or any rule or regulation thereunder affecting the
legality of such debt, obligation, or lien.

Massachusetts General Laws: CHAPTER 259, Section 4:

STATUTES OF FRAUDS AND LIMITATIONS
PREVENTION OF FRAUDS AND PERJURIES
Representation as to anothers creditp necessity of writing
No action shall be brought to charge a person upon or by reason of a representation or assurance
made concerning the character, conduct, credit, ability, trade or dealings of any other person,
unless such representation or assurance is made in writing and signed by the party to be charged
thereby, or by some person thereunto by him lawfully authorized.

Massachusetts General Laws: CHAPTER 156D, Section 15.02 : Consequences of

transacting business without authority
(a) A foreign corporation transacting business in the commonwealth without delivering to the
secretary of state for filing the certificate required by section 15.03 shall not maintain a
proceeding in any court in the commonwealth until the certificate is delivered and filed.
(b) The successor to a foreign corporation that transacted business in the commonwealth
without delivering to the secretary of state for filing the certificate required by section 15.03
and the assignee of a cause of action arising out of that business shall not maintain a
proceeding based on that cause of action in any court in the commonwealth until the foreign
corporation or its successor delivers the certificate and it is filed.

Massachusetts General Laws: CHAPTER 156D, Section 15.01 : AUTHORITY TO

TRANSACT BUSINESS REQUIRED
(a) A foreign corporation that transacts business or has a usual place of business in the
commonwealth shall deliver the certificate required by section 15.03 to the secretary of state for
filing.

Notes #4 and #5
As evidenced by recorded documents in the Hampden County (MA)
Registry of Deeds
The trust cannot, by operation of law, obtain a part of the
trust corpus 8 years after the Closing Date.

BACHLS is a servicing subsidiary of

BofA, and does not buy or sell notes

Countrywide Home
Loans, Inc.

Mortgage Electronic
Registration Systems, Inc.
In its individual capacity

BAC Home Loan

Servicing, LP
In its individual capacity

Bank of America, NA
(Successor to BAC)
In its individual capacity

HSBC Bank USA, as Trustee

GSAA Home Equity Trust 2005-15
Nationstar Mortgage
In its own capacity

Note Sold twice

MERS is not a licensed bank, and cannot buy,
sell, or hold notes

Nationstar is a mortgage
servicing company, and does
not buy or sell notes.

There are no in trust or use endorsements on the face of the promissory note at
issue, for any of these entities other than Countrywide Home Loans.

Massachusetts General Laws: CHAPTER 267, Section 1: False or forged records,

certificates, returns, attestations and other writings
Whoever, with intent to injure or defraud, falsely makes, alters, forges or counterfeits a public
record, or a certificate, return or attestation of a clerk or register of a court, public register, notary
public, justice of the peace, town clerk or any other public officer, in relation to a matter wherein
such certificate, return or attestation may be received as legal proof; or a charter, deed, will,
testament, bond or writing obligatory, power of attorney, policy of insurance, bill of lading, bill of
exchange or promissory note; or an order, acquittance or discharge for money or other property
or a credit card or an instrument described as a United States Dollar Travellers Check or
Cheque, purchased from a bank or other financially responsible institution, the purpose of which
is a source of ready money on cashing the instrument without identification other than the
signature of the purchaser; or an acceptance of a bill of exchange, or an endorsement or
assignment of a bill of exchange or promissory note for the payment of money; or an
accountable receipt for money, goods or other property; or a stock certificate, or any evidence or
muniment of title to property; or a certificate of title, duplicate certificate of title, certificate issued
in place of a duplicate certificate, the registration book, entry book, or any indexes provided for
by chapter one hundred and eighty-five, or the docket of the recorder; shall be punished by
imprisonment in the state prison for not more than ten years or in jail for not more than
two years.
Massachusetts General Laws: CHAPTER 267, Section 5: Uttering false or forged records,
deeds or other writings
Whoever, with intent to injure or defraud, utters and publishes as true a false, forged or altered
record, deed, instrument or other writing mentioned in the four preceding sections, knowing the
same to be false, forged or altered, shall be punished by imprisonment in the state prison
for not more than ten years or in jail for not more than two years .

18 USC 1005 - FRAUD AND FALSE STATEMENTS

1005. Bank entries, reports and transactions
Whoever, being an officer, director, agent or employee of any Federal Reserve bank, member bank,
depository institution holding company, national bank, insured bank, branch or agency of a foreign bank, or
organization operating under section 25 or section 25(a) of the Federal Reserve Act, without authority from the
directors of such bank, branch, agency, or organization or company, issues or puts in circulation any notes of
such bank, branch, agency, or organization or company; or
Whoever, without such authority, makes, draws, issues, puts forth, or assigns any certificate of deposit, draft,
order, bill of exchange, acceptance, note, debenture, bond, or other obligation, or mortgage, judgment or
decree; or
Whoever makes any false entry in any book, report, or statement of such bank, company, branch, agency, or
organization with intent to injure or defraud such bank, company, branch, agency, or organization, or any other
company, body politic or corporate, or any individual person, or to deceive any officer of such bank, company,
branch, agency, or organization, or the Comptroller of the Currency, or the Federal Deposit Insurance
Corporation, or any agent or examiner appointed to examine the affairs of such bank, company, branch,
agency, or organization, or the Board of Governors of the Federal Reserve System; or
Whoever with intent to defraud the United States or any agency thereof, or any financial institution referred to
in this section, participates or shares in or receives (directly or indirectly) any money, profit, property, or
benefits through any transaction, loan, commission, contract, or any other act of any such financial
institution
Shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both.
As used in this section, the term national bank is synonymous with national banking
association; member bank means and includes any national bank, state bank, or bank or trust
company, which has become a member of one of the Federal Reserve banks; insured bank
includes any state bank, banking association, trust company, savings bank, or other banking
institution, the deposits of which are insured by the Federal Deposit Insurance Corporation; and
the term branch or agency of a foreign bank means a branch or agency described in section 20
(9) of this title. For purposes of this section, the term depository institution holding company has
the meaning given such term in section 3(w)(1) of the Federal Deposit Insurance Act.

Notes #6, #7, and #8

As evidenced by the correspondance from Servicers to Borrower

QWR response

QWR response

QWR response

Countrywide Home
Loans, Inc.

Bank of America, NA
(As successor to CHL)
In its individual capacity

Wells Fargo
GSAA 05-15"

Nationstar Mortgage
(Current claimed Noteholder #2)

Morgan Stanley Mortgage

Capital Holdings, Inc.

QWR response

HSBC Bank USA, as Trustee

GSAA Home Equity Trust 2005-15
(Current claimed Noteholder #1)

Bank attorney
responses

Mortgagee affidavit

There are no in trust or use endorsements on the face of the promissory note at
issue, for any of these entities other than Countrywide Home Loans.

Mortgage #1 and #2
As evidenced by the records of the Hampden County (MA) Registry of
Deeds.
Executed & recorded in 2012, 7 years after the
Closing Date, in contravention of the trust
indentures, which have yet to be recorded.
MERS did not sell / assign the mortgage & note as a
nominee, but as the sole owner of both.

Mortgage Electronic
Registrations Systems, Inc., (MERS)
as nominee for
Countrywide Home Loans, Inc.

BAC Home Loan

Servicing, LP (BACHLS)
In its individual capacity

Bank of America, NA
As successor to
BACHLS
In its individual capacity

HSBC Bank USA

as Trustee
GSAA Home Equity Trust 2005-15
Nationstar Mortgage
In its individual capacity

Bank of America assigned the loan out of

the trust to Nationstar in 2013..

NY Code - Section 7-2.4: Act of trustee in contravention of trust

If the trust is expressed in the instrument creating the estate of the trustee, every sale,
conveyance or other act of the trustee in contravention of the trust, except as authorized by
this article and by any other provision of law, is void.

Massachusetts General Laws - Chapter 233, Section 70: Judicial notice of foreign law
The courts shall take judicial notice of the law of the United States or of any state, territory or
dependency thereof or of a foreign country whenever the same shall be material.

The signature line passing over and through a wet-ink signature, is impossible.

Mortgages #3 and #4
As evidenced by the recorded documents of the US Securities
Exchange Commission and US Patent and Trademark Office

MERS
as nominee for
Countrywide Home Loans, Inc.

Countrywide Home Loan Servicing, LP (CHLS)

As nominee for
Goldman Sachs Mortgage Company (GSMC)
Bank of America
f/k/a
Nations Bank, NA

CHLS
as nominee for
Goldman Sachs Mortage
Securities Corporation
(GSMSC)

JP Morgan Bank
As Custodian for
GSMC

HSBC Bank USA, NA

as Trustee
GSAA Home Equity Trust 2005-15
Deutsche Bank National Trust
As Custodian
GSAA Home Equity Trust 2005-15
Treasury Bank, NA
As Custodian for
GSMSC

The only interest retained by Countrywide Home Loans, after sale of the loan, was for
servicing. MERS did not assign and record the mortgage to any of these entities.

NY Code - Section 7-2.1: Extent of trustee's estate

(a) Except as otherwise provided in this article, an express trust vests in the trustee the legal
estate, subject only to the execution of the trust, and the beneficiary does not take any legal
estate in the property but may enforce the trust. (b) This section does not prevent the creator of
a trust from providing to whom the property shall belong in the event of the failure or termination
of the trust or from disposing of the property subject to the execution of the trust. Such a
transferee shall have a legal estate in the property as against all persons except the trustee and
those lawfully claiming under him. (c) A trust as described in sections 9-1.5, 9-1.6 and 9-1.7 of
the estates, powers and trusts law, including a business trust as defined in subdivision two of
section two of the general associations law, may acquire property in the name of the trust as
such name is designated in the instrument creating said trust. Any property, so acquired can be
conveyed, encumbered or otherwise disposed of only in such name by a conveyance,
encumbrance or other instrument executed by: (1) the person or persons authorized by the
instrument creating said trust; or (2) the person or persons authorized by a resolution duly
adopted by the trustees; or (3) a majority of the trustees unless the instrument creating said
trust otherwise provides. Any instrument of conveyance, encumbrance or disposition delivered
prior to the effective date of this section to or by a trust to which this section applies, in its trust
name is hereby validated provided that no action or proceeding to cancel or disaffirm it shall be
instituted within one year from the effective date hereof, but nothing herein contained shall
affect any such pending action or proceeding.

Mortgages #5 and #6
As evidenced by MERS undisclosed Governing Documents
Mortgage converted to an electronic
Document of Title - UCC Art. 7 as
evidenced by MERS MIN number.

MERS
as nominee for
Countrywide Home Loans, Inc

MERSCORP, Inc
As proprietor of
the MERS System

Investors &
Securities Intermediaries

MERS
As nominee for
all MERS members

Pretender Lenders
And Servicers

Tangible mortgage ceases to be

the transferable record.

Under UCC Article 7, when an electronic Document of Title is created, then the tangible
document ceases to exist, by operation of law.

Massachusetts General Laws - Chapter 106, Section 1-201: Definitions

"Document of title'' includes bill of lading, dock warrant, dock receipt, warehouse receipt or order
for the delivery of goods, and also any other document which in the regular course of business or
financing is treated as adequately evidencing that the person in possession of it is entitled to
receive, hold and dispose of the document and the goods it covers. To be a document of title a
document must purport to be issued by or addressed to a bailee and purport to cover goods in
the bailee's possession which are either identified or are fungible portions of an identified mass.

Massachusetts General Laws - Chapter 106, Section 7-105: Reissuance in alternative

medium
(c) Upon request of a person entitled under a tangible document of title, the issuer of the
tangible document may issue an electronic document of title as a substitute for the tangible
document if:
(1) the person entitled under the tangible document surrenders possession of the document to
the issuer; and
(2) the electronic document when issued contains a statement that it is issued in substitution
for the tangible document.
(d) Upon issuance of an electronic document of title in substitution for a tangible document of
title in accordance with subsection (c):
(1) the tangible document ceases to have any effect or validity