Q: Referring you back to Exhibit 18 the referral is dated first part of September.... can you account for why the appointment of successor Trustee was made a month after mediation referral?
Q: Is there any explanation why it was recorded two months after mediation started?
A: I haven't been in our website for two and a half years.
Q: It says that NWTrustees promotes philanthropy and promoting good will throughout the community. Are you personally aware of those events or activities?
A: We've done Habitat for Humanity, a local food bank, toys for Christmas, those are the things that come to mind....
Q: Has NW ever contributed to any nonprofit legal aid?
A: Not that I am aware of
Q: How about prevention of homelessness.
A: Habitat... none other that I am aware of it's nothing I coordinate.
Q: Do you recall any efforts to provide transparencies to homeowners who are subject to foreclosure.
A: In our notices we try to be as transparent as we can.
Q: Your position is you do no more than what the law requires of you.
A: With respect to foreclosure yes.
Q: You look no further that what is provided by the Servicers?
A: No, unless there is some sort of dispute.
Q: You only act when there is a dispute.
A: Yes. Well let me amend that. If I see a $5,000 balance I would like to know why they are foreclosing on that.... etc.
Q: You are speaking of things that are obvious to you. When you see something obvious to you, then you look further?
Q: When I show you the lack of notary... you never caught the fact that there was an apparent omission...
A: The notes reflect that we did not bring that issue. It wasn't addressed.