Maria addison

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The Law Offices of Macey, Aleman & Searns PARTNERS Mark Osterman (AK) Katrina Washington (AL) Steve Westerfield (AR) Cynthia Starkey (AZ) Adam Gerard (CA) Mark Hofgard (CO) Jason Searns (CO) Dan Ruggiero (CT) Tamara McDowell (DC) Matthew Carucci (DE) Gary Singer (FL) Anne Edwards (GA) Everett Walton (HI) Thomas Sundvold (IA) Thomas Humphrey (ID) Colin Banyon (IL) Jeffrey Aleman (IL) Thomas Macey (IL) Kelly Sibert (IL) Eric Jackson (IN) Matt Durgin (KS) Joseph Blandford (KY) Donald Hodge (LA) Dan Ruggiero (MA) Sheron Barton (MD) Jeremey Miller (ME) Jeff Cojocar (MI) Daniel Reiff (MN) Stephen Coffin (MO) John Windsor (MS) Mark Anderson (MT) Harry Marsh (NC) Keith Trader (ND) Thomas Sundvold (NE) Jeremey Miller (NH) David Knapp (NJ) Denise Snyder (NM) Michael Terry (NV) Dan Ruggiero (NY) Robert Raper (OH) Ron Brown (OK) Alex Golubitsky (OR) Ronald Rojas (PA) Alberto De Diego (PR) Burton Kliman (RI) Phil Murdock (SC) Dwight Moore (TN) Chris Miglilaccio (TX) Justin Rammell (UT) Edith Gray (VA) Tim King (VT) Chris Mercado (WA) Greg Straub (WI) Justin Rammell (WY) MAIN OFFICE ADMINISTRATIVE OFFICE 233 S. Wacker Dr., Suite 5150 13205 US Hwy 1, Suite 302 Chicago, IL 60606 Juno Beach, FL 33408 Phone: (312) 753-7535 Phone: (561) 721-8272 Fax: (877) 216-2088 Fax: (561) 370-6190 Dear Client, law firm that focuses on resolving all mortgage related issues. We are hopeful to find a mortgage workout which will fit not only your current financial situation but allow you financial security in the future as well. We know this is a stressful time for you and our goal is to help alleviate as much as that stress as possible. Collection activity on your account will likely continue while you are in the foreclosure process even if you are working with your lender on a resolution. Our goal is to slow down the foreclosure process and make the banks prove up their case to allow you the maximum amount of time to achieve your goals with respect to the property (i.e., entering into a loan modification, working out a short sale, repayment plan, forbearance plan, deed–in-lieu of foreclosure, consent judgment, etc.) To make this process successful, you must read the following pages carefully. However, the requirements below are critical to the success of your modification; we cannot help you if you do not comply with them. 1) COOPERATE WITH YOUR ATTORNEY AND THE ATTORNEY’S STAFF. It is imperative that you comply with our requests and actively participate in this process. Your responsibilities do not end as soon as you hand in your initial paperwork. You must stay actively involved in the process so that we may contact you immediately, should we require additional information. You must also keep us informed of ANY changes in your circumstances and send us all documents you receive from your mortgage lender, loan servicer, or the court. 2) RETURN ALL CALLS AND EMAIL IMMEDIATELY. You MUST check your email and voicemail at least two time per day and return any communication from us immediately and in no circumstance more than 48 hours from when we attempt to contact you. 3) SUBMIT ALL DOCUMENTS WITHIN 48 HOURS OF OUR REQUEST. You must submit all requested documents to us within 48 hours of our request and all documents must be complete and accurate. We want your resolution and/or modification to be successful and completed as quickly as possible. To do this, we need your help. Please remember that if you fail to meet any of the above requirements, you are in breach of your responsibilities and you are sole responsible for any negative actions your mortgage lender or loan servicer may take due to your failure to comply with these requirements. If you have any questions, please contact us immediately so that we may continue working together to solve your mortgage problem. We look forward to helping you on your way to financial stability. Sincerely, Macey, Aleman and Searns The Mortgage Law Group, LLP Managing Attorney Jason Searns Thank you for entrusting your home to The Law Offices of Macey, Aleman & Searns. We are a full service

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Transcript of Maria addison

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The Law Offices ofMacey, Aleman & Searns

PARTNERS

Mark Osterman (AK)

Katrina Washington (AL)

Steve Westerfield (AR)

Cynthia Starkey (AZ)

Adam Gerard (CA)

Mark Hofgard (CO)

Jason Searns (CO)

Dan Ruggiero (CT)

Tamara McDowell (DC)

Matthew Carucci (DE)

Gary Singer (FL)

Anne Edwards (GA)

Everett Walton (HI)

Thomas Sundvold (IA)

Thomas Humphrey (ID)

Colin Banyon (IL)

Jeffrey Aleman (IL)

Thomas Macey (IL)

Kelly Sibert (IL)

Eric Jackson (IN)

Matt Durgin (KS)

Joseph Blandford (KY)

Donald Hodge (LA)

Dan Ruggiero (MA)

Sheron Barton (MD)

Jeremey Miller (ME)

Jeff Cojocar (MI)

Daniel Reiff (MN)

Stephen Coffin (MO)

John Windsor (MS)

Mark Anderson (MT)

Harry Marsh (NC)

Keith Trader (ND)

Thomas Sundvold (NE)

Jeremey Miller (NH)

David Knapp (NJ)

Denise Snyder (NM)

Michael Terry (NV)

Dan Ruggiero (NY)

Robert Raper (OH)

Ron Brown (OK)

Alex Golubitsky (OR)

Ronald Rojas (PA)

Alberto De Diego (PR)

Burton Kliman (RI)

Phil Murdock (SC)

Dwight Moore (TN)

Chris Miglilaccio (TX)

Justin Rammell (UT)

Edith Gray (VA)

Tim King (VT)

Chris Mercado (WA)

Greg Straub (WI)

Justin Rammell (WY)

MAIN OFFICE ADMINISTRATIVE OFFICE

233 S. Wacker Dr., Suite 5150 13205 US Hwy 1, Suite 302

Chicago, IL 60606 Juno Beach, FL 33408

Phone: (312) 753-7535 Phone: (561) 721-8272

Fax: (877) 216-2088 Fax: (561) 370-6190

Dear Client,

law firm that focuses on resolving all mortgage related issues. We are hopeful to find a mortgage workoutwhich will fit not only your current financial situation but allow you financial security in the future as well.

We know this is a stressful time for you and our goal is to help alleviate as much as that stress aspossible. Collection activity on your account will likely continue while you are in the foreclosureprocess even if you are working with your lender on a resolution. Our goal is to slow down theforeclosure process and make the banks prove up their case to allow you the maximum amount oftime to achieve your goals with respect to the property (i.e., entering into a loan modification, workingout a short sale, repayment plan, forbearance plan, deed–in-lieu of foreclosure, consent judgment, etc.)

To make this process successful, you must read the following pages carefully. However, the requirements below are critical to the success of your modification; we cannot help you if you donot comply with them.

1) COOPERATE WITH YOUR ATTORNEY AND THE ATTORNEY’S STAFF. It is imperativethat you comply with our requests and actively participate in this process. Your responsibilitiesdo not end as soon as you hand in your initial paperwork. You must stay actively involved inthe process so that we may contact you immediately, should we require additional information.You must also keep us informed of ANY changes in your circumstances and send us all documents you receive from your mortgage lender, loan servicer, or the court.

2) RETURN ALL CALLS AND EMAIL IMMEDIATELY. You MUST check your email and voicemailat least two time per day and return any communication from us immediately and in nocircumstance more than 48 hours from when we attempt to contact you.

3) SUBMIT ALL DOCUMENTS WITHIN 48 HOURS OF OUR REQUEST. You must submit allrequested documents to us within 48 hours of our request and all documents must be completeand accurate.

We want your resolution and/or modification to be successful and completed as quickly as possible.To do this, we need your help. Please remember that if you fail to meet any of the above requirements,you are in breach of your responsibilities and you are sole responsible for any negative actions yourmortgage lender or loan servicer may take due to your failure to comply with these requirements.

If you have any questions, please contact us immediately so that we may continue working togetherto solve your mortgage problem. We look forward to helping you on your way to financial stability.

Sincerely,

Macey, Aleman and SearnsThe Mortgage Law Group, LLPManaging AttorneyJason Searns

Thank you for entrusting your home to The Law Offices of Macey, Aleman & Searns. We are a full service

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RETAINER AGREEMENT

I. Parties and Purposes: This Agreement for legal services is entered into on the date shown below between The MortgageLaw Group, LLP, also known as the law firm of Macey, Aleman & Searns (hereinafter referred to as TMLG), and________________________________ (hereinafter referred to as Client). Client has engaged TMLG to provide foreclosuredefense services in connection with Client’s real estate and related contract, mortgage(s) or similarly secured documents.Such litigation defense will include all services as outlined in Section III Scope below, as well as, where appropriate, negotiations for mortgage workout solutions including, but not limited to, loan modification, forbearance, repayment, deed-in-lieu of foreclosure, cash for keys, consent foreclosure, sale or short sale, resolution of issues involving junior liensor judgments attached to the property, and securing the Client the time required to be properly considered for the aforementioned options with respect to the subject property, including an appropriate exit from the property if in the bestinterests of the Client (collectively referred to as Mortgage Relief Services herein). In addition, the Client will receive, at noadditional cost, law-related services including budget counseling, financial coaching and identity monitoring. This contractis solely between TMLG, any assigns, or related entities that may be formed in the future and not any individual, partner,member, or employee of TMLG.

II. Condition of Effectiveness: This Agreement does not take effect, and TMLG has no obligation to provide any services,until both the Client and TMLG have executed a copy of this Agreement and delivered such copy to the other party.

III. Scope: TMLG will provide appropriate defense of a foreclosure action commenced by parties holding a secured interestin Client’s real estate which is defined and limited as follows:

a) Review of all complaints or pleadings in regard to the foreclosure of any mortgage or similar secured interest in regardto the Client’s real estate located at (Location of Real Estate). Upon timely receipt of the foreclosure Summons andComplaint or related document from Client, TMLG will attempt to resolve the litigation prior to formally responding tothe lawsuit with a court pleading.

1. In order for receipt to be considered “timely,” Client must deliver to TMLG, at its designated office for receipt ofsuch matters, a copy of the Summons and Complaint or similar document served upon Client immediately uponreceipt, but in no event any later than fifteen (15) days prior to a response being due.

b) Filing a responsive pleading to any complaint, pleading or secured interest document litigation, including attendance at required court hearings, if TMLG is unable to reach a satisfactory settlement with the appropriate creditor.

c) Any and all required court filing fees and costs to respond to the Complaint served upon Client are the responsibilityof the Client. (See attached Terms, Conditions and Disclosures for further information regarding court costs).

d) TMLG and Client agree that TMLG, as a part of its defense of any foreclosure action, will attempt to enter into a mortgage workout solution with Client’s mortgage servicer(s). Client agrees that TMLG is retained to perform thefollowing services in connection with the matter: evaluation of client financial data in relation to client’s mortgage(s);review and evaluation of Client’s current loan terms; Client counseling of mortgage workout options and correspondinglikelihood of success; communicating and negotiating with the servicer of the note and/or its assignees (includingbut not limited to investors and trustees) to effectuate a workout solution for the Property; review, assessment, and explanation of workout details of documents memorializing workout terms.

e) Client agrees that TMLG is not retained to perform the following services:

1. Tax, financial planning or accounting advice;

2. Modification, collection or improvement of Client’s credit reports or scores;

3. Any bankruptcy advice, except as specifically provided for below;

4. Performance of other debt resolution services such as debt settlement; or

5. Elimination of harassment or collection calls from collectors.

TMLG will discuss specific debt related issues with Client and, if appropriate, offer additional legal services or consultationswith regard to bankruptcy or other debt resolution services for Client’s consideration.

Client Initials _________

MARIA ADDISON

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Client Initials _________

IV. Term: The term of this Agreement shall commence on the effective date and continue until the negotiated resolution of asuccessful mortgage workout disclosed by Client in Exhibit A of this Agreement or until termination of this Agreement asprovided in Paragraph XII.

V. Subcontracting Specific Law-Related Tasks: TMLG may subcontract certain law-related tasks including negotiations withmortgage loan servicers and certain customer support responsibilities to third parties with comparable or greater aptitude inthese law-related services. TMLG and other legally trained, licensed personnel will supervise all negotiations and customersupport. These law-related services outlined below are all included in the flat fees paid by the client for legal services.

The implementation, management, maintenance, and supervision of a mortgage workout solution shall be performed underthe direct supervision of TMLG attorneys by Attorney Processing Solutions (hereinafter referred to as APS). TMLG has anon-exclusive reciprocal referral agreement with APS to provide these services directly and through their agents underTMLG’s direct supervision. These are services required for mortgage workout solutions but are not legal services. Thereis no attorney-client relationship between Client and APS in regard to these services and any specific communicationsbetween Client and APS are not protected by attorney-client privilege. APS cannot and will not provide any legal adviceto the Client other than as communicated through APS by TMLG and under TMLG’s supervision.

The implementation, management, maintenance, and supervision of budget counseling, financial coaching and identitymonitoring shall be performed under the direct supervision of TMLG attorneys by Consolidated Legal Services (hereinafterreferred to as CLC). There is no attorney-client relationship between Client and CLC in regard to these services and anyspecific communications between Client and CLC are not protected by attorney-client privilege. CLC cannot and will notprovide any legal advice to the Client other than as communicated through CLC by TMLG and under TMLG’s supervision.

VI. Client Obligations: The Client will perform the following obligations:

a) As an ongoing obligation and within the time frames set forth by TMLG, Client will provide TMLG with all informationand documents, as requested by TMLG, with respect to the mortgage(s) subject to foreclosure action;

b) Where Client seeks mortgage modification in resolution of any pending or anticipated foreclosure action, Client mustsubmit all lender required documentation to TMLG within 14 calendar days of signing this Attorney Retainer Agreement.Client’s Expected Local Attorney Review Date will follow within 7-10 business days, provided Client’s documentationmeets lender and investor specifications. TMLG will not submit Client’s request for mortgage modification to Client’smortgage loan lender or servicer without first having received ALL lender required documentation and shall not beresponsible for any failure on Client’s part to deliver said documentation to TMLG;

c) All information provided by Client must be complete, truthful, and accurate;

d) Client will respond to all other requests for communication or documentation from TMLG or its representatives within72 hours and will promptly provide TMLG with any change of address or other contact information;

e) Client will forward all correspondence from lenders, servicers, government entities, courts and public trustees,including collection letters, demands, complaints, Notices of Default or Acceleration, and Notices of Sale. TMLG isunder no obligation to verify information supplied by Client;

f) If a servicer contacts Client, Client will not engage in negotiation or workout discussions. Rather, Client will inform servicer that Client is represented by TMLG, provide the servicer with TMLG’s contact information, and advise servicerthat all future communications shall be directed through TMLG. If a servicer engages in harassing or abusive conduct,the Client will promptly notify TMLG and provide complete and accurate information regarding such contacts;

g) Subsequent to the execution of this Agreement, Client shall pay a flat fee in accordance with the total mortgage balance(s) as set forth in the attached payment schedule (Payment Schedule), hereby included in Exhibit B of thisAgreement and incorporated by this reference; and

h) Client agrees to timely and fully pay all debt modification negotiated by TMLG and approved by Client.

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VII. Law Firm’s Obligations: In consideration for Client’s obligations as stated in Section VI, TMLG agrees to use its bestefforts to defend the foreclosure action and, where appropriate, obtain a successful mortgage workout solution for Clientby providing basic legal services on an efficient and cost-effective basis.

CLIENT EXPRESSLY AGREES THAT TMLG MAKES NO SPECIFIC GUARANTEE REGARDING THE OUTCOME OFANY FORECLOSURE ACTION, MORTGAGE MODIFICATION OR OTHER NEGOTIATTION FOR A MORTGAGEWORKOUT SOLUTION CONSISTENT WITH THE OBJECTIVES OF THE CLIENT.

In the event that Client’s objective is obtaining a mortgage loan modification, a trial period may be required before thelender offers a permanent workout solution. In the event a trial period is achieved by TMLG and accepted by Client, suchtrial period will be deemed a successful mortgage workout.

TMLG offers its advice based on the information as disclosed by Client and Client agrees that TMLG is not responsibleand assumes no liability for changes in the law, changes in Client’s financial situation, and/or facts revealed after TMLG’sreview of Client’s documentation that could affect in any way the advice TMLG provides Client.

TMLG and its staff will timely respond to all Client inquiries and keep the Client informed as to developments in negotiationsand all offers of mortgage workouts. TMLG’s obligation to negotiate shall only apply to the Property and correspondingmortgage(s) as disclosed by the Client. The details of such obligation are included in Schedule A of this Agreement.

VIII. Fees and Costs: In consideration for all services to be rendered, Client agrees upon execution of this Agreement to payTMLG a Flat Fee retainer, which includes a monthly recurring component, as set forth in the Payment Schedule attachedas Exhibit B to this Agreement. Client acknowledges that this Agreement is based on a Flat Fee earned, not billed by thehour. However, for accounting of earned and unearned fees only, fees are calculated in six minute intervals, with six minutes being the minimum time billed for any one project as provided for in the attached Payment Schedule.

Client also agrees that if the Client’s initial payment fails for any reason, TMLG is under no obligation to provide any legalor law-related services under this Agreement until such time the client successfully recompenses TMLG.

IX. Electronic Payment Authorizations: By signing this Agreement, and completing the attached Electronic Funds Transferauthorization, Client authorizes TMLG and its designated third-party payment processor to deduct all legal fees and costsvia electronic payment authorizations from Client’s authorized checking, savings or other account. Client shall pay TMLG aone-time administrative fee of one hundred and twenty-five dollars ($125) for all electronic, ACH, wire transfer and relatedadministrative services.

TMLG requires a minimum of five (5) business days to change any scheduled Electronic Funds Transfer (“EFT”) fromClient’s authorized bank account. It is also understood that Client shall not make or request more than one paymentdate alteration during the contract. Client will be charged an additional service fee of forty dollars ($40) for any payment date alteration. Any payment returned as non-sufficient funds “NSF” will be charged a thirty-five dollar($35) returned check fee that will be due with the payment replacing the NSF payment.

X. Client Acknowledgement: Client acknowledges and agrees that:

a) TMLG is authorized to work on Client’s behalf in defense of the disclosed foreclosure action against Client’s propertyand to secure a mortgage workout solution where applicable;

b) TMLG shall provide such Mortgage Relief Services on a best efforts basis;

c) The outcome of any foreclosure action and TMLG’s negotiation of any mortgage workout solution is uncertain. Each case is unique and results may vary;

d) Client’s mortgage workout solution may be limited to a Forbearance Plan, Repayment Plan, Short Sale, Deed-in-Lieu or Cash for Keys program. TMLG will consult with Client as to the most effective strategy basedon the Client’s circumstances and all variables that cannot be predicted in advance;

e) TMLG’s mortgage workout negotiations may not prevent servicer’s harassment, nor prevent phone calls fromservicer’s various departments to Client;

f) Collection activity by the servicer will continue during the mortgage workout negotiations up to and including receivingNotices of Default and Notices of Sale;

Client Initials _________

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Client Initials _________

g) Client may be sued by the servicer and foreclosure actions may proceed. While TMLG will negotiate with theservicer to stop or postpone the sale date while the mortgage workout is under review, TMLG cannot guaranteethat such postponement will occur;

h) The discharge of indebtedness may be considered a taxable event and Client should consult a tax professional for anysuch advice or services; and

i) TMLG will not agree to provide the services under this Agreement absent Client’s full understanding and acceptanceof the basis for the work to be performed.

XI. Impact on Credit Rating: Client acknowledges that nonpayment, late payments, and mortgage workout options may result in derogatory credit information transmitted to the major credit reporting agencies. TMLG takes no responsibilityor such derogatory credit reporting. TMLG does not provide debt consolidation services, nor credit repair services, andClient acknowledges herein that it received proper notice regarding possible consequences to the Client’s credit rating.

XII. Termination and Severability: Client agrees that both parties may sever the relationship at any time. The party choosingto terminate the Agreement will document the decision by sending written notice to the other party. The termination willoccur upon receipt of such notice.

If such termination occurs and within 30 days of the date of said termination, the Client will be provided with an accountingof fees earned. Client shall only be responsible for fees incurred through the date of cancellation and in accordance with thePayment Schedule listed in Exhibit B. TMLG may cancel this Agreement if the Client fails to make payments as previouslyagreed upon or for any violation of the Client Obligations listed in section VI. If any legal action is brought regarding thisAgreement, the prevailing party shall be entitled to legal fees and court costs.

XIII. Authorizations: The Client authorizes TMLG as follows:

a) Client authorizes TMLG to disclose information regarding Client’s financial condition or status to servicers holdingClient’s mortgage(s) in regard to any income and expenses and/or any debt settlement programs or bankruptcies thatthe Client may be or have been involved in. Further, TMLG may obtain information concerning Client from such creditors;

b) Client authorizes TMLG to disclose to servicers, investors, and any assignees that TMLG and its representatives, or subcontractors, are authorized to negotiate mortgage workout options on behalf of the Client; and

c) Client authorizes TMLG to negotiate mortgage workout solutions as a part of the overall defense of a foreclosure action.

XIV. Confidentiality: TMLG agrees that any information provided by Client will be kept confidential and used only in the defenseof a foreclosure action and the provision of other Mortgage Relief Services described in this Agreement.

XV. Disclosures and Disclaimers: Client acknowledges and understands that:

a) TMLG is not a government agency or associated with the government; TMLG’s services have not been approved bythe government or Client’s lender;

b) Client’s lender may not agree to change the terms of Client’s loan;

c) Client’s failure to make scheduled mortgage payments could cause Client to lose their home and damage Client’scredit rating;

d) TMLG cannot and does not make any guarantee of any kind regarding the outcome of any foreclosure case or thesuccess of any negotiation for a mortgage workout;

e) Client may accept or decline any mortgage workout solution achieved by TMLG;

f) It is not necessary to pay a third party to arrange for a loan modification or other form of forbearance from your mortgagelender or servicer. You may call your lender directly to ask for a change in your loan terms. Nonprofit housing counselingagencies also offer these and other forms of borrower assistance free of charge. A list of nonprofit housing counselingagencies approved by the United States Department of Housing and Urban Development (HUD) is available fromyour local HUD office or by visiting www.hud.gov.

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In addition to mortgage modification, mortgage workouts may include short sale, deed-in-lieu of foreclosure, cash for keys,and bankruptcy. Mortgage modification may decrease a mortgage’s interest rate, extend the terms of the mortgage, andpossibly forbear some of the principle owing on the mortgage. A mortgage modification will most likely impact a Client’scredit rating less than a short sale and deed-in-lieu may impact Client’s credit rating. A short sale and deed-in-lieu mayimpact less on the Client’s credit rating than a foreclosure and bankruptcy. Bankruptcy may discharge the majority ofClient’s debts; however, Client has requested TMLG to pursue other alternatives at this time to avoid bankruptcy. TMLG will discuss and advise Client as to the bankruptcy option, including fees and costs, at any time that Client’s circumstances change or Client requests such consultation.

There are no additional fees or costs required from Client for such consultation and advice regarding bankruptcy. (See Exhibit A of this Agreement for further information about these alternate remedies).

XVI. Arbitration and Waiver of Class Action Arbitration: Client and TMLG agree that in the event of any claim or dispute between Client and TMLG related to this Agreement or the performance of any services hereunder, the parties expresslyagree such claim or dispute shall be submitted to binding arbitration upon the request of either party upon the service ofthat request.

The parties expressly acknowledge and agree that the relationship created by this Agreement and the services renderedpursuant to it are unique to Client’s individual circumstances. As such, the arbitration shall proceed solely on an individualbasis without the right for any claims to be arbitrated on a class action basis or on bases involving claims brought in a purported representative capacity on behalf of others. The arbitrator’s authority to resolve and make written awards islimited to claims between Client and TMLG alone. Claims may not be joined or consolidated unless agreed to in writingby all parties. No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute withanyone who is not a named party to the arbitration.

The parties shall initially agree on a single arbitrator to resolve the dispute. The matter may be arbitrated either by the Judicial Arbitration Mediation Service or American Arbitration Association, as mutually agreed upon by the parties or selected by the party filing the claim. The arbitration shall be conducted in either the county in which Client resides, orthe closest metropolitan county. Any decision of the arbitrator shall be final and may be entered into any judgment in anycourt of competent jurisdiction. The conduct of the arbitration shall be subject to the then current rules of the arbitrationservice. The costs of arbitration, excluding legal fees, will be split equally or be borne by the losing party, as determinedby the arbitrator. The parties shall bear their own legal fees.

XVII. Integration: This Agreement and all schedules are the complete and exclusive statement of the Agreement of the partiesand supersede any proposal, prior agreement, oral or written, and any other communication related to this matter.

XVIII. Enforceability: In the event that any portion of this Agreement is determined to be illegal or unenforceable, the determinationwill not affect the validity or enforceability of the remaining provisions of this Agreement, all of which shall remain in fullforce and effect. The parties agree to insert another provision that will be valid to come in closest to the original intent ofthe Agreement.

XIX. Amendment: This Agreement may be modified by a subsequent agreement by the parties only by an instrument in writing, signed by both TMLG and Client and no waiver of any provision or condition of this Agreement shall be effectiveor binding unless such waiver be in writing and signed by the party claiming to have given such waiver.

____________________________________________ ______________________________________________The Mortgage Law Group, LLP Client Name

By: Jason E. Searns, Esq. ______________________________________________Managing Partner Client Signature

Witness Our hands and seal on ________________________

MARIA ADDISON

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EXHIBIT ADisclosure and Election of Services

TMLG is a full service mortgage relief law firm that provides debt negotiation and restructuring, bankruptcy services and, where appropriate, referral to consumer credit counseling agencies and/or government programs such as HUD. The followingprovides information as to all these approaches to mortgage relief services for your review. Clients should fully understand theadvantages and disadvantages of each to make an informed decision.

Mortgage Workouts often offer distressed homeowners alternatives to foreclosure. Workouts may consist of one or more ofthe following solutions: loan modification, forbearance, repayment plans, short sale, deed-in-lieu of foreclosure or cash for keys.Some loan modification programs are offered by the government while other programs are offered by servicers. Modificationsmay be temporary or permanent and may consist of temporarily or permanently lowering the interest rate on a mortgage, changing an adjustable rate mortgage to a fixed rate mortgage, extending the amortization term of a loan, and/or forbearing aportion of the unpaid principle balance until the end of the loan. A servicer may also allow a homeowner to make interest onlypayments until their financial hardship has passed. A forbearance occurs when a homeowner is allowed to make decreasedpayments for a pre-determined period of time while a repayment plan merely capitalizes the arrears and allows the homeownerto pay the arrears over time to become current. Short sales occur when a servicer allows a homeowner to sell their home forless than the unpaid principle balance because the home’s fair market value is less than the amount the homeowner owes. A deed-in-lieu consists of a homeowner merely handing the keys to their home to the servicer rather than going through aforeclosure. It is possible for a homeowner to obtain “cash for keys” when doing a deed-in-lieu. “Cash for keys” is a programwhich pays the homeowner cash to help offset the cost of moving from the home.

Credit Counseling offers services that will allow you to work with a certified credit counselor to devise a plan that is tailored toyour specific needs and goals. Credit counseling agencies often provide services for free and will help to educate you abouthow to avoid financial problems in the future by offering debt management classes or seminars. They do not erase your debt.Instead they work with you to budget money so that you can pay off the debt often times by debt consolidation. Collections byyour creditors may continue while using a credit counselor and most plans require you to pay your entire debt balance over thelife of the plan. Consumer credit counseling agencies are required to advise you that they are compensated by the creditorsbased on the amount of debt they are able to have you pay.

Bankruptcy will usually discharge your unsecure debt and your creditors are not permitted to contact you once you have filedwith the court. There are two kinds of bankruptcy; Chapter 13 bankruptcy where you are generally able to keep property that ismortgaged such as your house or car and are expected to repay debts in three to five years and Chapter 7 bankruptcy whereyou must give up all non-exempt property and assets that you own in exchange for a discharge of most debt. Bankruptcy maybe appropriate if you have pending foreclosures, collection litigation or wage garnishments, however, you will generally be unable to establish credit for up to ten years.

In 2005, the bankruptcy law was changed to make it more difficult for some consumers to file Chapter 7 bankruptcy based ona financial means test and credit counseling requirements that may require a repayment of some of your debt.

Debt Negotiation is a process where the law firm, based on your specific circumstances, develops a plan to manage your debtresolution with your creditors. In general terms, it is a process of negotiating with your creditors for a lower balance/forgivenessof debt, a reduced interest rate, a reduced monthly payment or other restructuring alternatives. To be successful in debt negotiation, you need to have sufficient cash flow to meet your living expenses each month and provide some funds towardsresolution of your debt.

TMLG will contact all your mortgage lenders in writing that you are represented by the law firm and that we are advising you as to all alternatives for debt resolution. As you have indicated in your compliance review, you prefer TMLG to attempt debt negotiation as an alternative to bankruptcy. However, if your financial circumstances change, we will advise you as to otherdebt resolution alternatives outlined above, so you can make an informed decision based on our advice.

If you have any questions regarding the above options, please contact us for further explanation. If you are ready to proceed,sign below your acknowledgement that you have reviewed all possible debt resolution options and have determined that debtnegotiation by TMLG is your preference, subject to your ability to request a different alternative if your circumstances change in the future. Please review Section XV of this Agreement prior to executing your informed consent below.

__________________________________________________________________________ __________________________Client Signature Date

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EXHIBIT BPayment Schedule

Upon execution of this Agreement, or on the dates otherwise agreed to by Client and TMLG, the Client shall pay TMLG an Initial Flat Fee Retainer Fee as calculated below. Work on Client’s file may not commence until such initial retainer is paid.

Processing Flat Fee $1,625.00This amount includes Client’s one-time administrative fee of one hundred and twenty-five dollars ($125) for all electronic, ACH,wire transfer and related administrative services as provided for in Section IX of this Agreement.

Mitigation Flat Fee $____________This amount is equal to one (1) of the Client’s pre-modified monthly mortgage payments, including all applicable taxes andinsurance, or a minimum of one thousand, two hundred, and ninety-five dollars ($1,295.00), whichever is greater.

Initial Flat Fee Retainer $____________Thereafter, Client shall pay TMLG a monthly recurring flat fee retainer equal to one-half of the Client’s pre-modified monthly

Services on Client’s behalf as described herein. Client agrees to pre-authorize payment of the initial and monthly recurringfees pursuant to via Electronic Funds Transfer (EFT) or other payment method as agreed to by the parties.

The foreclosure defense legal services provided by TMLG in Section I of this Agreement are included in the flat fee structure asoutlined above. In the event that TMLG’s provision of Mortgage Relief Services includes negotiating for modification of Client’smortgage loan terms, Client’s Initial Flat Fee Retainer will be held in TMLG’s client trust account and shall be disbursed tocover appropriate fees to TMLG and costs incurred by TMLG based upon completion of the following:

$1,195.00 upon completion of Stage I

$____________ upon completion of Stage II

$____________ upon completion of Stage III

Stage I services consist of the following:

a. Completion of financial statement questionnaire and consultation;

b. Review and analysis of Client’s financial statement questionnaire to evaluate Client’s difficulty to pay existing contracted

loan payment and the likelihood of repaying a modified loan payment;

c. Evaluation of the “hardship” affecting Client’s ability to handle financial obligations including your mortgage loan payments;

d. Analysis of preliminary financial data and mortgage loan terms as provided by Client including, but not limited to: income,

P&L statements, tax returns, principal loan balance, monthly payment amount, payment history, escrowed items, loan

documents, interest rate, rate adjustments, and equity;

e. Analysis of Client’s existing loan terms and equity and comparison to relevant market conditions;

f. Determination and application of all potential underwriting criteria to Client’s case file based on Client’s lender guidelines

as understood by TMLG (Note: Our experience informs us that lender guidelines may change without prior notice);

g. TMLG staff Attorney analysis of preliminary underwriting results;

h. Communication with Client regarding analysis of preliminary assessment of information specified above;

i. Document preparation including but not limited to the Attorney Retainer Agreement, Third Party Authorization, Hardship

Letter, Financial Worksheet, and document requests and mailing of the Client Welcome Package;

j. Documentation requests from Client as deemed necessary, based on TMLG’s preliminary evaluation and our current

understanding of lender guidelines which vary from lender to lender;

k. Development of Financial Summary;

l. Assistance with Hardship Affidavit; and

m. Confirmation of lender submission requirements.

Client Initials _________

mortgage payment, in the amount of $_________, on the ______ day of each month, so long as TMLG continues Mortgage Relief

1560

3,185.00

700.00

$995.00

$995.00

26.00

Page 9: Maria addison

Stage II services consist of the following:

a. Completion of required federal forms and lender forms;

b. Compilation of financial documents in compliance with lender requirements;

c. Preparation of file and review of all financial documents by TMLG Underwriter;

d. Underwriting of file to support maximized loan terms favorable to the borrower and in consideration of both federal and

investor guided options as applicable;

e. Underwriting analysis, creation and completion of loan modification submission package by TMLG Staff Attorneys;

f. Final underwriting analysis and review of completed loan modification package by TMLG Local Partner/Attorney for

lender submission;

g. Transmission of Third Party Authorization or Power of Attorney to lender; and

h. Transmission of loan modification package to lender.*

*To ensure timely receipt of submission package by lender, TMLG may in its discretion and according to each individual filesubmit the Client’s loan modification package, although Client has failed to render all necessary documents as requested.The submission of each loan modification request package is a time sensitive matter.

Stage III services consist of the following:

a. Verification of receipt of Client’s submission package by lender;

b. Continued monitoring of loan modification package review process with lender;

c. Assisting Client in providing lender required documents; and

d. Proposal of alternative loan solution where deemed necessary.

If this Agreement is terminated by Client, appropriate refund of fees shall be calculate based on work performed at an hourlyrate. Such fee calculation shall be billed at the following hourly rates: Legal assistants/caseworkers, $50.00/hr.; paralegals/underwriters/negotiators, $90.00/hr.; Managing paralegals/underwriters/negotiators, $150.00 hr.; Attorneys, $300.00/hr.All fees described herein are subject to applicable state laws, statutes, rules, and regulations.

__________________________________________________________________________ __________________________Client Signature Date

Page 10: Maria addison

PARTNERS: MAIN OFFICEWillis Tower 233 S Wacker Dr., Suite 5150 Chicago, IL 60606

ADMINISTRATIVE OFFICE13205 US Hwy 1, Suite 302

Juno Beach, FL 33408Phone: 561-721-7300

POWER OF ATTORNEY

TO: Loan Number: (LENDER/SERVICING COMPANY) Borrower Information:

Name: DOB: SSN:

Co-Borrower Information (if applicable):

Name: DOB: SSN:

Real Property Address:

Information to be released to: The Mortgage Law Group, LLP and all employees, associates, affiliates, assignees, and/or agents associated therewith.

Information to be released: Any and all account information, verbal or written, that The Mortgage Law Group, LLP may request.

Communications Directive: This serves as formal notice of representation. As such, all future communications shall be directed to my attorney(s) at the above stated firm. Any subsequent attempts to communicate with me directly, be it intentional or unintentional, will be deemed a violation of applicable state laws and/or the Fair Debt Collections Practices Act (FDCPA), 15 U.S.C. §§ 1692 et seq.

Borrower Authorization & Rights:“I hereby authorize you to release the requested information to the above stated entity as my legal representative. Further, I provide the above stated entity authority to negotiate terms and/or conditionally accept modified terms of the mortgage associated with the above stated loan on my behalf. I understand that I may revoke this authorization at any time and I must do so in writing. I understand that the revocation does not apply to information already released in response to this authorization. I further understand that once the above information is disclosed, it may be re-disclosed by the recipient and the information may not be protected by federal privacy laws or regulations. THIS AUTHORIZATION REMAINS IN AFFECT UNTIL REVOKED IN WRITING.”

“I herby release its affiliates, employees, (Name(s)) (Lender/Servicer)officers, agents and directors from any claim that might arise in connection with this authorization.”SIGNATURE: _________________ Printed Name: ____________________ Date: ___________

SIGNATURE: _________________ Printed Name: ____________________ Date: ___________

On this ___ day of ________, 201__, in ___________________county, in the state of ____________________, I certify _______________________________ is the person(s) who signed on the preceding or attached document in my presence.

[SEAL] _________________________ Notary Public My Commission Expires:___________

Phone: (888) 595-2818 Fax: (800)391-2178

Burton Kliman (MA)

Sheron Barton (MD)

Jeremey Miller (ME)

Nick Chapie (MI)

Julianne Emerson (MN)

Stephen Coffin (MO)

John Windsor (MS)

Mark Anderson (MT)

Harry Marsh (NC)

Thomas Sundvold (NE)

Jeremey Miller (NH)

David Knapp (NJ)

Denise Snyder (NM)

Michael Terry (NV)

Jim Moran (NY)

Robert Raper (OH)

Ron Brown (OK)

Alex Golubitsky (OR)

Ronald Rojas (PA)

Alberto De Diego (PR)

Burton Kliman (RI)

Phil Murdock (SC)

Tim Hogan (SD)

Christopher Miglilaccio (TX)

Justin Rammell (UT)

Todd Hoyle (VA)

Tim King (VT)

Christopher Mercado (WA)

Greg Straub (WI)

Justin Rammell (WY)

Ira Turner (CT)

Sheron Barton (DC)

Matthew Carucci (DE)

Gary Singer (FL)

Anne Edwards (GA)

Everett Walton (HI)

Thomas Sundvold (IA)

Thomas Humphrey (ID)

Colin Banyon (IL)

Ed Castaldo (IN)

Matt Durgin (KS)

Joseph Blandford (KY)

Donald Hodge (LA)

Todd Hoyle (AL)Steve Westerfield (AR)

Adam Gerard (CA)

Mark Hofgard (CO)

Mark Osterman (AK)

Jonathan Levine (AZ)

Mark Osterman (AK) Todd Hoyle (AL)

Steve Westerfield (AR) Cynthia Starkey (AZ)

Adam Gerard (CA) Mark Hofgard (CO)

Ira Turner (CT) Sheron Barton (DC)

Matthew Carucci (DE) Gary Singer (FL)

Anne Edwards (GA) Everett Walton (HI)

Thomas Sundvold (IA) Thomas Humphrey (ID)

Colin Banyon (IL) Ed Castaldo (IN) Matt Durgin (KS)

Joseph Blandford (KY) Donald Hodge (LA)

Burton Kliman (MA) Dan Ruggiero (MA)

Sheron Barton (MD) Jeremey Miller (ME)

Nick Chapie (MI) Julianne Emerson (MN)

Stephen Coffin (MO) John Windsor (MS)

Mark Anderson (MT) Harry Marsh (NC)

Thomas Sundvold (NE) Jeremey Miller (NH)

David Knapp (NJ)Denise Snyder (NM) Michael Terry (NV) Dan Ruggiero (NY)

Jim Moran (NY) Robert Raper (OH)

Ron Brown (OK) Alex Golubitsky (OR)

Ronald Rojas (PA) Alberto De Diego (PR)

Burton Kliman (RI) Phil Murdock (SC)

Chris Miglilaccio (TX) Justin Rammell (UT)

Edith Gray (VA) Tim King (VT)

Chris Mercado (WA) Greg Straub (WI)

Justin Rammell (WY)

VERICREST FINANCIAL 9800823016

MARIA ADDISON 04/28/1956 616-01-0430

718 IDYLLWILD AVE, Rialto, CA 92376

MARIA ADDISON

MARIA ADDISON

VERICREST FINANCIAL

Page 11: Maria addison

AuthorizAtion ForM

This form will serve to acknowledge that the captioned mortgagor has authorized The Mortgage Law Group, LLP, and

Loan #:__________________________________________________________________________________

MortgAgor / Borrower/s (hoMeowner)

Borrower Name:____________________________________________________________________________________

Co-Borrower Name: ________________________________________________________________________________

Property Street Address: ____________________________________________________________________________

________________________________________________________________________________________________

City, State, Zip: ____________________________________________________________________________________

Borrower Social Security #: __________________________________________________________________________

Co-Borrower Social Security #: ________________________________________________________________________

MortgAgee / Lender (BAnk)

Lender: __________________________________________________________________________________________

Street Address: ____________________________________________________________________________________

________________________________________________________________________________________________

City, State, Zip: ____________________________________________________________________________________

Loan #: ________________________________________________________ Phone: __________________________

*the AuthorizAtion is vALid untiL revoked By the Borrower.

MortgAgor’s signAture

Borrower Signature: _________________________________________________________ Date: ______________

Co-Borrower Signature: ______________________________________________________ Date: ______________

The Law Offices ofMacey, Aleman & Searns

233 S. WWWacker Dr., Suite 5150 • Chicago, IL 60606 • Ph: 888.595.2818

Ken Lewis, Marla Pica, Caitland Harper, Dee Montgomery, Davina Dallsingh, Esther Gilles, Frank DeSanti, Gina Sullivan,Kym Irving, Lesley Green, Lidiana Suarez, Mercedez Galindo, Monique L’Italien, Natalie Camareno, Nicole Carlos,

(This is in accordance with Title 24 of the CFR 203.500 HUD).

communicate with their Mortgage lender/servicer concerning their hardship, in an attempt to resolve their mortgage problems. Irma Reynoso, Stacey Mcnesky, Stevie Beine, Sherice Hamilton,Tom McCabe, and Toni DeSanti, to act in their behalf to

VERICREST FINANCIAL

9800823016

MARIA ADDISON

616-01-0430

718 IDYLLWILD AVE, Rialto, CA 92376

9800823016

,

Page 12: Maria addison

AUTOMATIC BILL PAYMENT ENROLLMENT FORM &FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT

(THIS IS NEITHER A CONTRACT NOR A COMMITMENT TO LEND)

______________________________________________________________________________________________________________Name (as shown on your account)

______________________________________________________________________________________________________________Address (as shown on your account) City State Zip

______________________________________________________________________________________________________________Name of Financial Institution Branch

______________________________________________________________________________________________________________Address of Financial Institution City State Zip

______________________________________________________________________________________________________________Email Phone

PLEASE DEDUCT MY AUTOMATIC BILL PAYMENT FROM MY ACCOUNT: � Personal/Business Checking � Savings

______________________________________________________________________________________________________________Bank Routing Number Account Number

I / We hereby authorize TMLG, its designees, and the financial institution above to process an electronic funds transfer(s)(EFT) from my bank account. Futhermore, I / we authorize TMLG and its designees to process or change future electronic funds transfers without written authorization and upon verbal, telephonic authorization. This authority will remain in in effect until my / our attorney’s fees are paid in full. I / We understand this is not a loan commitment.NOTE: DEBIT AUTHORIZATIONS MUST PROVIDE THAT THE RECEIVER MAY REVOKE THE AUTHORIZATION ONLY BYNOTIFYING THE ORIGINATOR IN THE MANNER SPECIFIED IN THE AUTORIZATION. THIS AUTHORIZATION MAY ONLYBE MODIFIED OR CANCELLED BY CONTACTING THE MORTGAGE LAW GROUP 561.721.7335 OR 13205 US HWY 1,#302, JUNO BEACH, FL 33408, NO LESS THAN 5 BUSINESS DAYS PRIOR TO THE SCHEDULED DEDUCTION DATE.Should remittance be returned by a financial institution as non-negotiable for any reason, I agree to be obligated to payimmediately an additional service fee to The Mortgage Law Group the sum of $35.00.

______________________________________________________________________________________________________________Signature Date

This is not a loan transaction. Disclosure is made pursuant to federal law because I/we may authorize installments of greater then4 payments to pay off my/our attorney fee. There is no demand feature or variable rate feature in this transaction. This transactiondoes not grant any security interest in any property, and does not contain any provision for credit, life, flood, or disability insurance.Payments are not subject to a late fee. There is no early payment penalty. My/our attorney encourages me/us to pay the fees as quicklyas possible so that the attorney representation can be completed as quickly as possible. This authorization for payment and theunderlying attorney contract is not assignable or transferable. There are no filing or recording fees associated with this transaction.

PAYMENT SCHEDULEPAYMENT # AMOUNT DATE PAYMENT # AMOUNT DATE1 4

ANNUALPERCENTAGE RATE

The cost of your creditas a yearly rate %

0%

FINANCE CHARGEThe dollar amount the

credit will cost you

$0.00

AMOUNT FINANCEDThe amount of your attorney fee

$________

TOTAL OF PAYMENTSThe total amount you willhave paid after making allpayments as scheduled

$________

The Law Offices ofMacey, Aleman & Searns

233 S. WWWacker Dr., Suite 5150 • Chicago, IL 60606 • Ph: 888.595.2818

2

3

TOTAL FEERecurring: Beginning:

Consultant Name: _______________________________________Service: _____________________________________________

MARIA ADDISON

718 IDYLLWILD AVE Rialto CA 92376

CHASE BANK

CA

[email protected] (909) 714-1497

322271627 4414228802

$1,195.00 8/26/2011

$995.00 9/26/2011

$995.00 10/26/2011 11/26/2011

3,185.00

700.00

Angel Serna Modification 1st Mtg

06711014100

ANGEL SERNA Chicago

Page 13: Maria addison

Authorization for Services. I hereby authorize NoteWorld to receive payments from me, hold my money, disburse payments, and provide me with account and transaction information (collectively, “Services”) as these Services relate to my agreement with ______________________ _____________________(”Payment Recipient”). I understand and specifically acknowledge that NoteWorld is providing these Services to me as an independent third-party and is not an employee, partner, joint venturer or agent of Payment Recipient.

NoteWorld Fees. I acknowledge that NoteWorld charges fees for its Services that are separate from the fees I may have agreed to pay Payment Recipient. I agree to pay fees to NoteWorld in accordance with the fee schedule set forth below. I understand that NoteWorld may change these fees at any time either with or without advance notice to me.

Standard Fees Account Set Up FREE Annual Trust Management Fee $23.00 per year (if applicable) Payment Processing Fee Electronic Payments $12.50 per payment Non-Electronic Payments $25.00 per payment Settlement Disbursements FREE

Other Fees That May Apply Wire Transfer Fee $15.00 per wire (incoming/outgoing) Account Changes/Modifications FREE Stop Payment Fee FREE Returned Item Fee FREE

Payments. I understand that NoteWorld accepts electronic payments (ACH, Pay-By-Web, Pay-By-Phone) and non-electronic payments (money orders, personal checks) and that I will be charged a processing fee based on the payment method I choose. If I change my method of making payments to NoteWorld, I understand that my payment processing fee will be adjusted accordingly. I understand that NoteWorld does not accept post-dated checks. If I remit a post-dated check and it is processed, I understand that NoteWorld takes no responsibility for any fees that I may incur related thereto.

Disbursements. I authorize NoteWorld to disburse money on my behalf according to the terms of my agreement with Payment Recipient. I also authorize NoteWorld to disburse fees to Payment Recipient.

Trust Account. I understand and agree that my payments will be deposited to, held in, and disbursed from a NoteWorld Client Trust Account. I acknowledge and agree that the NoteWorld Client Trust Account is non-interest bearing, which means no interest will accrue on the funds being held on my behalf and I will not be entitled to any interest on those funds. I understand that my funds being held by NoteWorld belong to me and that they are separately insured by the FDIC up to the maximum amount.

Account Information. I understand and agree that Payment Recipient will be given access to view my NoteWorld account information and that NoteWorld may communicate with Payment Recipient about my NoteWorld account information.

Cancellation. I understand that, if I want to cancel this Sign-Up Agreement and close my NoteWorld account, I can contact NoteWorld via: PHONE: 1-800-535-9192; E-MAIL: [email protected]; MAIL: NoteWorld, PO Box 2236, Tacoma WA 98401; or FAX: 1-877-830-3177. I understand that all cancellations will be completed within five (5) days of such request and that NoteWorld will not charge me a fee for cancellation.

Refunds. If I cancel my NoteWorld account or otherwise make a request for a refund, NoteWorld will return to me all funds in NoteWorld’s possession, if any, as of the date my notice is received by NoteWorld. I acknowledge and agree that my refund will not include amounts already disbursed under the terms of my agreement with Payment Recipient, fees already disbursed to Payment Recipient and fees already received by NoteWorld. I understand that refunds will be processed within five (5) days of any request and that NoteWorld will not charge me a fee for the refund. I agree that NoteWorld shall remit any refunds due to me via ACH credit to my designated bank account of record unless otherwise instructed by me in writing.

Indemnity and Release. I agree to indemnify and hold NoteWorld, its officers, managers, members and employees harmless from any and all claims, damages, demands, liabilities, suits, losses, other legal actions and proceedings, and expenses of any kind or nature, including, but not limited to, reasonable costs and attorneys’ fees, arising out of or in any way related to the provision of Services to me, unless such claims, damages, demands, liabilities, suits, losses, other legal actions and proceedings, and expenses arise out of NoteWorld’s failure to exercise ordinary care in providing Services to me. I agree to pay NoteWorld upon demand for said items. I further agree to release NoteWorld and its officers, members, managers, agents and employees from any and all claims, damages, demands, lawsuits, liabilities, losses and any other legal actions or proceedings arising out of a dispute between me and Payment Recipient.

I HAVE READ AND UNDERSTAND THE ABOVE INFORMATION.

Customer Initials:

Customer 1 Customer 2

Sign-Up Agreement

NoteWorld Servicing Center, PO Box 2236, Tacoma, WA 98401, (800)535-9192, FAX (877) 830-31771 of 2 Rev. 3.04.2011

®

The Mortgage Law Group

Page 14: Maria addison

CUSTOMER ACCOUNT SERVICES INFORMATION (PLEASE PRINT)

Customer 1

Street Address Phone Number

City State Zip E-mail address

Payment Recipient (Individual or Company Name) Payment Recipient Account ID Number (if applicable)

Customer 2

Last Name First Name M.I. Social Security Number* Date of Birth*

*Required by the Bank Secrecy Act and corresponding federal and state Anti-Money Laundering laws.

RECURRING ACH DEBIT AUTHORIZATION

Customer 1 Signature Date Customer 2 Signature Date

2 of 2

DESIGNATED BANK ACCOUNT (PLEASE PRINT)

Bank Name Bank Account Number Bank Routing Number

Bank Street Address Bank City, State, Zip

First Payment Amount ($000.00) Recurring Payment Amount ($000.00)

Start Date for Recurring Payments (MM/DD/YYYY) Recurring Payment Date (DD)

Account Type Savings Checking

I authorize NoteWorld to initiate recurring Automated Clearing House (ACH) debits from, and credits to, my designated bank account identified above and I authorize the depository financial institution named above to process said entries. I understand that debits will be withdrawn on the payment dates noted above unless otherwise instructed by me, and that sufficient funds must be available in my designated bank account at least two (2) business days prior to the payment due date. If the payment date falls on a weekend or holiday, funds will be withdrawn the following business day. I may make changes to my payment amount or payment date by contacting NoteWorld at least five (5) days prior to the desired change. If the recurring payment amount and/or date noted above vary from what has been pre-authorized, NoteWorld will give me ten (10) days’ notice of the new payment amount and/or date. This authorization is to remain in force until the schedule of debits is completed or until NoteWorld has received notification of a change or cancellation allowing no fewer than five (5) days for NoteWorld to act. NoteWorld is not liable to me or any other person for not completing a transaction as a result of any limit on my designated bank account, if my financial institution fails to honor any debit from my designated account or for my failure to provide my Social Security Number and Date of Birth when required. I authorize NoteWorld to recover funds via an ACH debit from my bank account in the event of an error or in the event that a debit is returned for any reason, including non-sufficient funds. I acknowledge that the origination of ACH transactions through NoteWorld to my bank account must comply with the provisions of U.S. law.

I acknowledge that the information above is true and correct and that recurring ACH debits are authorized by me.

Sign-Up Agreement®

Rev. 03.04.2011

According to Contract

According to Contract

Account Holder Name Social Security Number* Date of Birth*

MARIA ADDISON

718 IDYLLWILD AVE

Rialto CA 92376

CHASE BANK

CA

3222716274414228802

8/26/2011

$1,195.00

06711014100

616-01-0430 04/28/1956

Page 15: Maria addison

13205 US Hwy 1, Suite 302 Juno Beach, FL 33408 Phone: ����721-7300 | Fax: ������� ��

Loan �������n Do�

Client

ument �� �����t

Name: _______________________________________

Email: __________ _____________________________________

Phone Number: ___________________________________

Address: ____________________________________________

____________________________________________

Welcome ����r – 4th page must be signed and dated 4506T and 4506T-EZ – Both forms completed, signed and dated Last 2 months Income Docume�����n ����t & Loss Statement YTD (if applicable – Self-Employed or 1099 Employee) Last 3 months of Bank Statements (all pages even if blank) 2 Years of Federal Tax Returns – 2nd page must be signed and dated. Include all schedules and W-2’s. Home A��rdable ���������n Program (HAMP) Request for ���������n and A�advit (RMA) L���r of Financial Hardship Recent Mortgage Statement (All Mortgages 1st ______ 2nd ______ 3rd ______ ) Recent U����y Bill (Needed to show proof of residence) Notarized Power of !��rney Signed Financial Statement Dodd-Frank Cer��c���n – Completed and signed. Lender Speci�c Documents (If applicable) Other: __________________________________________________________

***Please read the following carefully as some documents require

Client Signature _____________________________________________ Date: _____________________________

(PLEASE INCLUDE THIS SHEET WHEN SENDING YOUR DOCUMENTS)

*** signatures.

MARIA ADDISON

[email protected]

(909) 714-1497

718 IDYLLWILD AVE

Rialto, CA 92376