CERTIFIED FORENSIC LOAN AUDITORS, LLC. MICHAEL D. CARRIGAN Curriculum Vitae

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1 CERTIFIED FORENSIC LOAN AUDITORS, LLC West Washington Blvd., Suite 444, Los Angeles, CA 90066; 2600 S Shore Blvd., Suite 300, League City, TX Phone: Facsimile: info@certifiedforensicloanauditors.com MICHAEL D. CARRIGAN Curriculum Vitae FEE SCHEDULE $ / Hour - Minimum Retainer 4 Hours BIO Michael Carrigan is an Expert on Mortgage Securitization Issues and prepares Property Securitization Reports on behalf of Mortgages and other Financial Data. Michael Carrigan is available to testify as an Expert Witness to support the findings contained in the Property Securitization Reports, and to educate the trier of fact on the Mortgage Securitization Process. Michael Carrigan is the Vice President of Auditing for Certified Forensic Loan Auditors, LLC. EDUCATION/PROFESSIONAL CERTIFICATIONS UCLA, College of Business, Masters of Business Administration (MBA 2000) M.B.A. Executive Program B.A. Accounting Chartered Financial Analyst Mortgage Securitization Auditor Bloomberg Essentials Training Fixed Income and Equity Essentials. UCLA Anderson Graduate School of Management California State 1

2 University at Fullerton Honors Graduate Level Investment Management Certification CAREER EXPERIENCE CERTIFIED FORENSIC LOAN AUDITORS, Los Angeles, CA June 2012 Present Vice President Auditing: Chief auditor; instructor; production manager; expert witness Vice President of Auditing providing securitization audits (Bloomberg, non-bloomberg, GSE) and loan lookups for the leading securitization and forensic auditing firm. Lead Trainer having trained and certified more than 800 Executive Professionals through the industry acclaimed Mortgage Securitization Auditor Training Class (24 hours) Participated in State Bar Approved instruction on Banking Issues in the States of California, Nevada, Illinois, New York, Georgia, and Florida. Personally completed approximately 5,000 audits of Commercial & Residential properties Using Bloomberg tesrminal & Other Public Record Data. Lead Instructional Webinars and Pod Casts for National Audience of more than 5,000 people Provide Training and Instructional Editorials that have been published in the CFLA Newsletter (35,000 distribution) Scotsmans Guide, and Niche Report. PROFESSIONAL LICENSES / CERTIFICATIONS (Current or Former) Certified Forensic Loan Auditors CFLA Mortgage Securitization Analyst MSA Ambassador Mortgage Securitization Analyst AMSA Chartered Financial Analyst CFA FINRA Series 7 2

3 FINRA Series 63 CFA Institute of Los Angeles, Inc. Association for Finance Professionals EXPERT WITNESS APPEARANCES 1. Wells Fargo vs. Patrick Kelly. Defendant represented by Seth N. Katz, Esq. Thompson Law Group, LLC, PO Box Atlanta, GA Re. Lot 24 Rivers Reach, Eufaula, AL Case number 12C Deposition taken 4/24/ Jose and Flor Barrionuevo vs. Chase Bank, NA. US District Court for Northern District of California, San Francisco Division. Case number 3:12-CV-0572 EMC. Deposition taken 5/21/13 by John C. Hedger, Attorney at Law. 560 Mission St. 25th Floor, San Francisco, CA for Chase Bank. Plaintiffs represented by Michael Yesk. Yesk Law, Attorney at Law. 70 Doray Drive, Suite 16. Pleasant Hill, CA Regarding 5931 Annandale Way, Dublin, CA Richard and Barbara Rendina vs. BAC Home Loans Servicing, Circuit Court of the Fifteenth Judicial Circuit in and for Palm Beach County, FL. Case CA XXXXMB. Deposition was taken 7/22/13. Defendant represented by Michael H. Stauder, Sr., Esq., 2074 West Indiantown Road, Suite 100, Jupiter, FL George and Monique Atwell vs. Aurora Loan Services, LLC; US Bank, NA as Trustee for Lehman XS N; Quality Loan Service Corporation; Mortgage Electronic Registration Systems, Inc.; CMG Mortgage, Inc; All Fund Mortgage. Superior Court of the State of California, County of Los Angeles, Central District. Case BC Deposition taken 1/20/14 by Victoria E. Edwards, Esquire, Akerman LLP, 1400 Wewatta St., Suite 500, Denver, CO 80202, Plaintiff represented by George M. Hill, Esquire, Rodriguez Law Group, Inc., 1961 West Huntington Drive, Suite 201, Alhambra, CA 91801, , 5. Wells Fargo Bank, NA vs. Demetria Guiuan. Superior Court of New Jersey, Chancery Division, Essex County. Docket number F Deposition taken 1/26/14 by Barbara K. Hager, Esq., Reed Smith, LLP, 136 Main Street, Suite 250, Princeton, NJ Via video teleconference. Defendant Demetria Guiuan, pro se. 179 West Mount Pleasant Avenue, PO Box 172, Livingston, NJ Wells Fargo Bank, NA vs. Gregoria Castillo. Superior Court of California, San 3

4 Diego County. Case No CU-OR-CTL. Deposition taken 1/19/15 by Fidelity National Law Group by Paul Meshek (CA State Bar ) 915 Wilshire Blvd., Ste. 2100, Los Angeles, CA (213) William Dulany Hill vs. Bank of New York Mellon. Superior Court of California, Torrance. Case No. YC Testified at prove up hearing 6/24/ U.S. Bank National Association vs. Harmesh Verma. Superior Court of New Jersey. Chancery Division: Monmouth County. Docket No. F David Rubenstein, Esq. for defendant. Rubenstein Business Law. Park 80 West, Plaza II. 250 Pehle Avenue, Suite 200. Saddle Brook, NJ (201) Appeared in court 9/14/16. Motion to allow testimony denied due to adjudged insufficient notice. Matter settled that day. 9. James Farah v. LaSalle National Bank Association as Trustee for the WAMU Pass-Through Certificates Series 2006-AR7 Trust. U.S. District Court for the District of New Jersey. Case No. 2:15 CV For Plaintiff: James Farah Pro Se, 522 A Green Village Road, Green Village, NJ (908) For Defendants: Bracewell LLP. By Ryan M. Philp, Esq. and Rebecca J. Foxwell, Esq Avenue of the Americas, New York, NY (212) Deposition taken at W. Washington Blvd., Suite 140, Los Angeles, CA on June 21, Daniel Fieves v. Washington Mutual Bank. December, Argument summary; declaration; consultation. 11. Osmundo V. Thompson and Tamara Y. Thompson v. Academy Mortgage, et.al. Superior Court of the State of Arizona in and for the County of Maricopa, 101 W. Jefferson St., Phoenix, AZ Case No. CV Defendants represented by Ross M. Mumme (AZ Bar No ), 8502 E. Via De Ventura, Ste. 200, Scottsdale, AZ Evidentiary hearing. Telephonic testimony. January 5, Attorney Susan Murphy re. Randolph v. CitiMortgage. Superior Court of California. Case No. PC Northridge, CA. Consultation. Testimony not scheduled. Court ruled in favor of opposing parties. January Attorney Jeff Barnes re. US Bank v. Lydia and Andrae Crayton. Ninth Judicial Circuit Orange County, FL. Case 2016-CA O. Consultation April Deposition scheduled for March 7, 2019 and court hearing March 8, Wilmington Savings Fund Society, FSB D/B/A Christiana Trust not individually but as Trustee for Pretium Mortgage Acquisition Trust vs. Brenda Zavison a/k/a Brenda B. Zavison a/k/a Brenda Bailey Zavison, et. Al. Case No. 4

5 2016-CA Michael Henry, Esq. for John Fitzpatrick and Tim Allen with regard to defendant Zavison. Before Judge Terrance Ketchel, Circuit Judge, Okaloosa County, 1804 Lewis Turner Blvd., Suite 400, Fort Walton Beach, FL Testified February 9, Penrose v. First Magnus Financial Corporation. United States District Court, District of Nevada. Case 3:18-cv RCJ-VPC. July Homeowner not borrower and ruled not real party in interest. 16. Wells Fargo as Trustee for Freddie Mac 2005-S001 v. Regina Campbell and Stephen Renfrow. Nineteenth Judicial Circuit for St. Lucie County, FL Case No CA Lorelei Fiala, Esq. for Defendants. Deposition by Rebecca Rodriguez, Gray/Robinson, P.A. March 16, Quiet Title granted by February Wilmington Savings Fund Society at Trustee for Deephaven Residential Mortgage Trust v. Mark Dillon, Jason Mussman and Pooneh Mussman. Superior Court of Arizona, County of Maricopa. Case CV :4. Non-sworn participation. Answered questions and gave commentary in court September 14, Mark Dillon (480) Plaintiffs represented by Marvin C. Ruth, Coppersmith Brockelman PLC, (602) , Before the Honorable Teresa Sanders. September 14, Judith Vincent Brown v. New Penn Financial. Superior Court of Arizona, County of Maricopa. Case CV :15. Evidentiary Hearing October 10, Attorney Teresa H. Foster, TERESA H. FOSTER, PLLC, 6245 N. 24 th Parkway, Ste. 100, Phoenix, AZ (602) for Plaintiff. 19. HSBC Bank v. Mastera. Superior Court. J.D. of Stamford/Norwalk Connecticut Docket FST-CV S. Hearing December 28, Prior ruling that Assignments could not be challenged. Assessment of balance owed. Ruled in favor of opposing parties. Others available by request 5

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