IN THE CIRCUIT COURT FOR BALTIMORE COUNTY, MARYLAND ANDREW BRENNER, et al., Substitute Trustees, Plaintiffs, v. JEFFREY M. SCHATZ, Defendant. Case No. C-03-CV-24-003218 _____________________________________________________________ # DECLARATION OF METHODOLOGY — IDENTIFICATION OF THE NOTE WITHIN GINNIE MAE POOL 082539 I, **Jeffrey M. Schatz**, Defendant *in propria persona*, declare under the penalties of perjury pursuant to **Md. Code Ann., Cts. & Jud. Proc. § 1-304** that the following is true and correct to the best of my knowledge, information, and belief, and that I directed, performed, and verified the analysis described below: ## 1. Purpose 1. This Declaration documents how the promissory note secured by 18 Edmondson Ridge Road, Catonsville, Maryland (the "Note") was identified, to a documentary certainty, as a specific loan record inside a specific Ginnie Mae security — **sequence number 1013782744 in Ginnie Mae II Pool 082539** — and authenticates the public Ginnie Mae records relied upon. It is offered as **identification**, not as a legal conclusion; it does not assert that any instrument is void. ## 2. The identifiers taken from the instruments 2. From the closing instruments alone, the Note is: (a) **FHA-insured**; (b) originated **April 13, 2010**, payable to **Wells Fargo Bank, N.A.**; (c) an **adjustable-rate** note with a **4.25%** start rate and an original principal of **$254,308**; and (d) carrying a **first payment of June 1, 2010** and a **maturity of May 1, 2040**. These attributes formed the search key. ## 3. The data and the authority to use it 3. Ginnie Mae — a wholly-owned federal government corporation within HUD — publishes **loan-level disclosure files** reporting, for every loan in every Ginnie security, a set of de-identified attributes (the files contain **no borrower names**). They are public, free, and downloadable from **ginniemae.gov**. No access-controlled system was used. For evidentiary purposes these are official government publications subject to authentication under **Md. Rule 5-902** and to judicial notice. ## 4. The method 4. Because the public files contain no names, identification is a **record-linkage** problem: link a known record (the Note) to a de-identified universe (Ginnie's data) on shared attributes. The technique proceeded in four disciplined steps: a. **Deterministic multi-key match** — filter the universe to records matching all eight published keys (program, issuer, state, original balance, note rate, first-payment date, maturity, pool type) simultaneously. b. **High-entropy disambiguation** — confirm against a near-unique fingerprint: the **penny-level current unpaid principal balance**, cross-checked to Wells Fargo's own produced servicing ledger for the same month. c. **Falsification / elimination** — actively search the complete files across multiple periods for any other record that could satisfy the key, and to confirm the loan had exited the security. d. **Amortization-series reconciliation** — confirm the balances across time form one continuous pay-down. ## 5. The match 5. The October 2013 Ginnie Mae II loan-level record for sequence 1013782744 matches the Note on every field: | Field | Ginnie Mae public record | The Note / WF ledger | Match | |---|---|---|---| | Agency program | FHA | FHA | ✓ | | Issuer | 3355 (Wells Fargo, N.A.) | Wells Fargo, N.A. | ✓ | | State | MD | MD | ✓ | | Original principal | $254,000 (rounded to nearest $1,000) | $254,308 | ✓ | | Note rate | 4.250% | 4.25% | ✓ | | First payment | 06/01/2010 | 06/01/2010 | ✓ | | Maturity | 05/01/2040 | 05/01/2040 | ✓ | | Pool type | AF (adjustable-rate, FHA) | FHA ARM | ✓ | | **Current unpaid balance** | **$230,478.84** | **$230,478.84** (WF ledger, Nov. 2013) | **✓ (exact)** | The penny-exact balance is the disambiguator: a coincidental $254,000 loan would not also carry the Note's exact balance to the cent in the same month. Among all Maryland 4.25% loans and all Wells-Fargo-issued Maryland loans in the data, only sequence 1013782744 satisfies every criterion. ## 6. The scale of the search 6. To reach that single record, I parsed **more than one hundred million** individual loan records across more than a dozen complete Ginnie Mae monthly disclosure files. The re-pool **elimination sweep** alone streamed **nine complete Ginnie Mae II monthly files** spanning 2021 through 2026 — **97,318,235** loan records — and returned **zero** Maryland re-pool match (four additional months had no complete file published and were logged as gaps). The cross-check files added the April 2021 Ginnie II file (**10,273,191** records) and the December 2020 Ginnie I file (**1,327,885** records). One record survived. ## 7. Technological assistance and verification — candor 7. The analysis was **technologically assisted**: I directed an AI analytical system and automated parsing to read the large public files and apply the match. I am not a credentialed forensic expert, and this Declaration does not represent otherwise. I personally verified every figure stated herein against the underlying public file and Wells Fargo's produced records before signing. The conclusion does not depend on credentials; it is **reproducible** — any person may download the same public files and repeat the link to reach the same record. ## 8. SOURCE-FILE PROVENANCE — every original Ginnie Mae file relied upon 8. The following table lists each original Ginnie Mae public file, whether the Note's record **appears** in it, the datum it supplies, and where that datum is used in this Declaration and in the accompanying comparison demonstratives: | # | Original Ginnie Mae file (public, ginniemae.gov) | Reporting period | Record status | Datum it supplies | Used in this Declaration | Used in comparison/demonstrative | |---|---|---|---|---|---|---| | 1 | `llmon2_201310` (Ginnie II loan-level) | Oct 2013 | **PRESENT** — seq 1013782744, Pool 082539 | All 8 match fields + current UPB $230,478.84 | ¶5 (match table) | Zipper match (all 9 teeth); balance-trail row 2 | | 2 | `GNMA_MBS_SF_LIQ_082539` (pool liquidation file) | period 201912 | **PRESENT** — seq 1013782744 removed | Removal in Dec 2019 (period 201912), UPB $186,397.89, removal reason code **2 — "Repurchase of Delinquent Loan"** (label verified against the Ginnie liquidation file layout, item LR-015) | ¶ (removal/buyout) | Balance-trail row 3 | | 3 | `082539MAF` / `GNMA_POOL_082539_MBS_MON` (pool & CUSIP disclosure) | as-of disclosure | **PRESENT (pool-level)** | CUSIP 36225EZD7; Ginnie II; pool type AF; pool issue 5/1/2010 | ¶5 (pool type), ¶ (pooling) | Zipper (pool type); identity header | | 4 | `llmon1_202012` (Ginnie I loan-level) | Dec 2020 | **ABSENT** | Confirms the loan is not Ginnie I (eliminates the prior mis-identification) | ¶4(c), ¶6 | — (elimination) | | 5 | `llmon2_202104` (Ginnie II loan-level) | Apr 2021 | **ABSENT** | Confirms the loan had exited the pool by Apr 2021 | ¶6 | — (elimination) | | 6 | Re-pool sweep: 9 complete Ginnie II monthly files (`llmon2_202112` … `llmon2_202506`) | 2021–2026 | **ABSENT (SEQHIT 0)** | Confirms the Note was never re-securitized after the Dec 2019 buyout; 97,318,235 records read | ¶6 (scale) | — (elimination) | *"Present" rows authenticate the affirmative identification; "absent" rows authenticate the elimination. Both are part of the proof.* ## 9. Continuity of the loan through its history 9. The balances reconcile as one continuous FHA ARM: origination **$254,308** (Apr. 2010) → **$230,478.84** (Nov. 2013, the figure on both Ginnie's record and Wells Fargo's ledger) → **$186,397.89** (Dec. 2019, removal from the pool). The same loan's FHA case number appears on the March 2022 recorded Partial Claim ($41,473.09, Book 46541/43), and the post-removal custody and release events (the "WF220C / GNMA-Review" coding, the Form HUD-11708 release references, and the September 2022 shipment to Deutsche Bank) attach to this same loan's servicing record. (Detailed in the accompanying methodology walkthrough.) ## 10. Limits 10. I state these limits expressly: (a) removal **reason code 2** means the loan was *bought out* of the security, **not** that the debt was paid or discharged; (b) the loan's absence from the Ginnie pool after December 2019 does not, by itself, establish that Wells Fargo retained ownership thereafter — that remains a matter for discovery; and (c) the identification rests on Ginnie's public data and Wells Fargo's produced ledger and should be confirmed against the original servicing file in discovery. ## 11. Affirmation I solemnly affirm under the penalties of perjury that the contents of the foregoing Declaration are true to the best of my knowledge, information, and belief. Dated: __________________, 2026 /s/ ________________________________________ Jeffrey M. Schatz, Defendant *in propria persona* 18 Edmondson Ridge Road, Catonsville, Maryland 21228 (240) 490-0053 · thecornerspore@gmail.com --- ### APPENDIX — VERIFY-BEFORE-YOU-SIGN CHECKLIST (remove before filing) Before signing, personally confirm each against the source file: - [ ] ¶5: open `llmon2_201310`, locate seq **1013782744**, confirm the 8 fields + UPB **$230,478.84**. - [ ] ¶5: open WF servicing-ledger (produced Ex. A), confirm **$230,478.84** for **Nov. 2013**. - [ ] ¶8 row 2: open `GNMA_MBS_SF_LIQ_082539`, confirm removal period **201912**, UPB **$186,397.89**, reason code **2**. - [ ] ¶8 row 3: open `082539MAF`, confirm CUSIP **36225EZD7**, pool type **AF**, issue **5/1/2010**. - [ ] ¶6: confirm the sweep total **97,318,235** and the two cross-check counts (**10,273,191** / **1,327,885**). - [ ] ¶9: confirm Partial Claim **$41,473.09**, Book **46541/43**, and the FHA case number matches the Note. - [ ] Attach each Ginnie file in ¶8 as a numbered exhibit; attach the WF ledger; attach the match demonstrative. - [ ] Confirm nothing in the body says the debt is "void," "discharged," or "paid."