Exhibit 1

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BAYVIEW

lOANSERVltiHu'

Bayview Uen Servioing, LLC

4425 Ponce de Loonetvd. Sth noor

Coral QaWM, FL33146

November 6,2014 CLASS MAIL AND CERTIFIED MAII7RRR

KARL D WIT.SON

11450 FOLEYRD

FENTON MI 48430

Loan Nmnber:

Property Address: IHSOFOLJBYRD .

FENTON MI 48430

Dear BARLD WILSON:

TOs uafofmd that tlic mortgage loaii referenced above reraains in deifault and the lender intends

to lo^Iose. Spccihc infotmalion about the nature of the Sefault ipd iinporbmt contact information is

provided below.

You sigii^ and executed a promissory note secured by a mortgage or deed of trust ("the security instrument) mwhicli you agreed to repay your debt at agreed upon teams. Bticause you have not fulfilled the terms of ^s agreement, S.ervicer on behalf ofthe Noteholder intends to iiiifiatu forecloffurc action on

Mf:LLON w? properly. The foreclosure will beconducts inthe name of: TPiR BANK OF NKW YORK FKA THE BANK OF NEW YORK, AS TRUSTEE (CWALT 2004.24CB). Serviccr or flie

note holder has tlie nght to foreclose as itpossesses copies ofdie necess^ assigimient(s) ofmortgage or

deed of trust required under applicable state law. Notehold<.T, dh-ectly or toougli an agent either has

possession of the promissory note,, or in the event that Notehold^ does riot have possession of the

promissory note or is unable to find the promissory note, Noteholder will seek to pwivc the promissory

note usmg a lost note affidavit. The promissoiy note, to the extent-tiie original is in our possession, is

either made payable to Notcibolder or has been duly endorsed to" the Noteholder as applicable under state

law.

ityou do not cure tlie default or enter into aforeclosure alternative pogram within fomteen (14) DAYS

of the dale of tliis Notice, the lender intends to excrcise its rights to accelerate the mortgage debt and

uistruci its attorneys to start legal action to foreclose i5)on your mortgaged propeity.

The loan is due for 11/1/2010 and subsequent payments, plus late charges, fee? and costs. As oftoday, tlie

total delinquency and reinstatempnl amount is $.63,897.79 wliicli consists ofthe followmg:

Next Payment Due Date . ^ ' 11/1/2010

Total Monthly Payments Due: .^59,207.62

Late Charges: $147.78

Otlieir Chaiges: UncoUected NSF Fees: $0,00

OtlierFecs: $0.00

CorporateAdvanceBalance: $00.00

Unapplied Balance: fSQ.oo'^

TOTAL YOU MUST PAY to CURE DEFAULT; $63,897.79

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"'•ditional iiitonnation regarding your mortgage, you may contact us at SSS.326-

7191orbysendineawntteiirequesttotheaddre55statedbdow. . «sod

documents

• Acopyoftlienotc.

• Acopy ofthe security instrutnent with assignments establishing the ri^ii to foreclose

• Acopy ofyour paymentliistoiy since the loan was last less than 60 days past due • The name ofthe investor that holds your loan , .

Please include your loan nwnbcr and property address with yoi^ request and send to;

Bayview Loan Sei-vicing, LLC •

4425 Ponce DeLeon Blvd, 5th Floor

Miami, FL 33146

Fax: 1 (305)631-5567

The follftwinff is iinpoi tant Inyorniation about vour as pf h.., thi, notir/»

Principal Bakncc: $I46;778.82 .

Paid Thru Date: 9/30/2010

Date ofLastl'ull Payment Received: . 10/1/20] 0

Curttint Interest Rate: 625%

Date ofNext Interest Rate Adjustment (ifapplicable): N/A '

Amount of Pre-Payment Fee or PenaJty (ifapplicable): n/A

contact agovernment approved housing counseling agency which pibvidesfree orlow^cost

homeowners who are facing financial difficulty. IIoiising counseLs can helo vt^ financial condition and work with us to explore the possibility ofmodifyine your loan

beneiit ® forbearance. Foryour

H. 888.326-7191 and aak t7di;<Ct^bl5l^^'^ " wish, youmay alao conu,c,ua directly

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Tliis matteris veryimportant. Pleasegiveit yourimmediate attention,

Smcerely,

Bayview Loan Servicing LLC

4425 Ponce De Leon Blvd

Coral Gables, FL 33146

«88-326-7191

FEDERAL LAW REQUIRES US TO ADVISE YOU THAT Bayview Loan Servicing, LLC IS A DEBT

COLLECTOR AND TIMT THIS IS AN ATTEMPT TO COLLHCT A DEBT. ANY INFORMATION

OBTAINED MAY BE USED FOR THAT PURPOSE. TO THE EXTENT YOUR OBLIGATION HAS BEEN

DISCHARGED OR IS .S'UBJECT TO THE AUTOMATIC STAY IN ABANKRUPTCY PROCEEDING, THIS

NOTICE IS FOR INFOJtMATlDNAL PURPOSES ONLY AND DOES NOT CONSTITUTE ADEMAND FOR

PAYMENT OR AN ATOMFF TO COLLECT INDEBTEDNESS AS YOUR PERSONAL OBLIGATION. ]V

YOU ARE REPRESENTED BYANA'lTORNKY, Pr„RASB PROVIDE US WITH THE ATTORNEY'S NAMTi

ADDRESS AND TBLliPHONE NUMBER,

IMPORTANT DISCLOSURES

Ifyou arc currently ina bankruptcy proceeding, orhave previously obtained a.discharge ofthis debt

under applicable bankruptcy law, iiisis not an attempt to collect, ademand for payment, or an attempt to

impose personal liability forthatdebt. You arenotobligated to disaissyonr home loan withus or toenter

into a loan modification orother loan assistance program. You .^ould^:onsuli with yourbankrupiuy

attorneyor other advisorabout your legalrigbLs and optton.«{- • . .

MILITARY PERSONNEL/SERyiCEMEMBERS: If you oryouf spouse is amember of themilitary,

please contact usimmediately. The federal Semcemembers Civil Relief Act and comparable state laws

afford .Hignificanl protections, and' benefits to eligible military service persomiel, including protections

fix)m foreclosure as well as interest rate relief. For additional info^aiion and to deienniiie eligibility

please contactour Military Assistance Team toll free at 1.888.326.7191.

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EARL D WILSON

ll450FoleyRd

Fenton MI 48430-9599

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