Document/ExhibitDescriptionPagesSize
1: 10-K Annual Report HTML 3.64M
2: EX-4.39 Instrument Defining the Rights of Security Holders HTML 65K
16: EX-10.108A Material Contract HTML 252K
17: EX-10.108B Material Contract HTML 15K
18: EX-10.108C Material Contract HTML 32K
19: EX-10.109A Material Contract HTML 244K
20: EX-10.109B Material Contract HTML 32K
21: EX-10.109C Material Contract HTML 31K
22: EX-10.112 Material Contract HTML 21K
3: EX-10.22 Material Contract HTML 16K
4: EX-10.25 Material Contract HTML 14K
5: EX-10.26 Material Contract HTML 16K
6: EX-10.51 Material Contract HTML 14K
7: EX-10.52 Material Contract HTML 14K
8: EX-10.53 Material Contract HTML 25K
9: EX-10.54 Material Contract HTML 26K
10: EX-10.67 Material Contract HTML 27K
11: EX-10.68 Material Contract HTML 34K
12: EX-10.92 Material Contract HTML 20K
13: EX-10.94 Material Contract HTML 17K
14: EX-10.95 Material Contract HTML 19K
15: EX-10.99 Material Contract HTML 13K
23: EX-12.1 Statement re: Computation of Ratios HTML 27K
24: EX-21 Subsidiaries of the Registrant HTML 54K
25: EX-23 Consent of Experts or Counsel HTML 16K
26: EX-31.1 Certification per Sarbanes-Oxley Act (Section 302) HTML 17K
27: EX-31.2 Certification per Sarbanes-Oxley Act (Section 302) HTML 17K
28: EX-32.1 Certification per Sarbanes-Oxley Act (Section 906) HTML 14K
29: EX-32.2 Certification per Sarbanes-Oxley Act (Section 906) HTML 14K
I
have reviewed this annual report on Form 10-K of Countrywide Financial Corporation;
2.
Based
on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the
circumstances under which such statements were made, not misleading with respect to the period covered by this report;
3.
Based
on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of
operations and cash flows of the registrant as of, and for, the periods presented in this report;
4.
The
registrant's other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act
Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f))
for the registrant and have:
a.
Designed
such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating
to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
b.
Designed
such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance
regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
c.
Evaluated
the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and
procedures, as of the end of the period covered by this report based on such evaluation; and
d.
Disclosed
in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's
fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and
5.
The
registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and
the audit committee of the registrant's board of directors (or persons performing the equivalent functions):
a.
All
significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the
registrant's ability to record, process, summarize and report financial information; and
b.
Any
fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.