APPLICATION FOR LOSS MITIGATION SERVICES

Dear Madam / Sir,

Enclosed are the loss mitigation forms you requested from Protection Law Center, LLC.

If needed, please call your legal assistant to assist you in filling out this pa ckage

Phone: 888.745.7988 ext ( ) Fax: 866. 545.2959 Email:

Website: WWW.THEPLCLAW.COM

Once your enrollment package is accepted by The Protection Law Center LLC, you w ill have our legal team at your fingertips that will work on your behalf. Our legal staff will work diligently w ith your lender and assist you towards financial stability. Your lender is a professional debt collector and will prote ct their interests first. Lenders simply do not have the time or manpower to assist borrowers in a timely fashion and in a manner that benefits the homeowner. Our legal team will not let you fall between the cracks, as your bank has done. We have successfully worked with lenders across the country in reducing interest rates, fixing adjust able rate mortgages, reallocating mortgage arrears, postponing foreclosure sale dates and other loss mitigation se rvices. The PLC LLC makes no promises or guarantees on interest rate or loan terms, but will work diligently on your behalf to negotiate and obtain the best possible offer from your lender. Please review our service agree ment and scope of representation which you will need to sign to accept the services we provide.

Once you have submitted the requested documentation, we will process your applic ation immediately and determine if we can assist you in any way.

PLC, LLC makes no promises in regards to interest rates or terms. The loss mitig ation process may take anywhere from 30 days to several months to achieve desired results from your lender. Plea se refer to our service agreement and our scope of representation which you will need to sign, to review our servi ces. If you receive any paperwork or documents from your lender during this process, please call your negotiator i mmediately and send us the paperwork to review and address on your behalf. At no time does the PLC LLC reco mmend our clients to miss any mortgage payments.

Applicant:

Date:

Co-Applicant:

Date:

Please sign to verify you have read the above letter

Regards,

Protection Law Center LLC. PLC

Directions On How To Begin

For PreApproval Complete Steps 1 through 5

1. Print the entire Application 2. Complete the 3. Complete the Borrower Enrollment Form. Financial Worksheet to the best of your ability.

4. Complete the Hardship Letter Worksheet. 5. Complete and sign the Borrower s Certification & Authorization 6. If you re going to pay by electronic check please sign the authorization form. 7. Please include the following: a. _____ pay stubs for the last thirty days b. _____ your last 2 yearsW-2 statements c. _____ if self employed year to date profit and loss statement d. _____ if self employed last 2 years full tax returns (all pages) form

e. _____ rental leases if applicable f. _____ if applicable social security, pension and/or disability statements

g. _____ your most recent mortgage statement h. _____ declaration page of homeowner s insurance policy if not included in mortg age i. _____ property tax bill if not included in mortgage

j. _____ any documentation that you may feel is relevant

*Please note: We may ask for additional documentation based on your case, and wi ll need updated documents throughout the process.

If you have questions we have the solutions! Just call our office.

BORROWER ENROLLMENT FORM

Applicant Name Social Security Co-Applicant Name Social Security

Applicant Date of Birth Applicant Home Phone Co-Applicant Date of Birth Co-Applicant Home Phone

Applicant Cell Phone Email Address Co-Applicant Cell Phone Email Address

Applicant Address (Property) Co-Applicant Address (Property) Street

Address:

Street Address:

Applicant Address (Mailing) Co-Applicant Address (Mailing) Street Address:

Street Address:

Employer: Employer: Position:

Phone:

Position:

Phone:

Employment Date: (from -

to) Salary

Employment Date: (from to) Salary

First Mortgage Information: Second Mortgage Information: Mortgage Company Name:

Mortgage Company Name:

Loan #:

Loan #:

Interest Rate: % Interest Rate: % Loan Balance:

Loan Balance:

Fixed or Adjustable:

Fixed or Adjustable:

Months Behind:

Months Behind:

Loan Company s Phone #:

Loan Company s Phone #:

Are you currently in foreclosure?

If yes, do you have a sale date?

If yes, when is it?

Have you received a Modification/Forbearance plan within the last 12 months?

If yes, when?

Are you currently in bankruptcy?

Have you ever filed bankruptcy?

If yes, chapter 7 or chapter 13?

Hardship Letter Worksheet

A Hardship letter is something all Mortgage Companies will require to consider y ou for one of their loss mitigation services. This is your opportunity to appeal to them to give you anot her chance. This should not be used to complain to what they have done or not done to make your situatio n worse. This must be honest and represent the facts clearly. It must prove the situation that caus ed you to fall behind. You must also have a legitimate excuse for falling behind too much in debt in itsel f would not be an adequate reason. Continue on a separate sheet of paper, if needed.

I/We are having problems making my monthly payments because of financial difficu lties created by: (check all that apply)

Unemployment Reduced Income Divorce/Separation

Death of My Spouse Payment Increase Military Service

Business Failure Job Relocation Illness

Incarceration Death of Family Member Medical Bills

Damage to Property Adj. Rate Mortgage

Other

Explain EACH Financial difficulty that you check above (please be specific):

This difficulty or situation happened on or about

How many children/grandchildren do

Ages:

Other

Total Occupants living in

What are you doing to make your situation better?

By Signing below, I certify the above information contained herein to be true & correct.

Applicant Signature:

Date:

Co-Applicant Signature:

Date:

BORROWER S CERTIFICATION AND AUTHORIZATION CERTIFICATION

The Undersigned certify the following:

1. I/We have applied for a Loss Mitigation Services from PLC LLC in applying for the Services, I/We completed an application containing various information on the purpose of the Lo ss Mitigation Services, the amount and source of the rate and payment adjustments, employment and income information and the assets and liabilities. I/We certify that all of the informa tion is true and complete. I/We made representations for the Loss Mitigation Services or other do cuments, nor did I/We omit any pertinent information. 2. I/We have applied for a Loss Mitigation Services from PLC LLC, in applying fo r the Services, I/We understand, authorize and agree that credit report(s) to be obtained in connecti on with this application by PLC LLC or a third party provider. 3. I/We understand and agree that PLC LLC reserves the right to verify the infor mation provided on the application with the employer and/or the financial institutions. 4. I/We fully understand that it is a Federal crime punishable by fine or impris onment, or both, to knowingly make any false statements when applying for this modification, as appl icable under the provisions of Title 18, United States Code, Section 1014.

Authorization to Release Information To Whom It May Concern:

1. I/We have applied for a Loss Mitigation Services from PLC LLC as part of the application process, PLC LLC may verify information contained in my/our application and in other document s required in connection with the Loss Mitigation Services, either before the Loss Mitigation Services is settled or as part of its quality control program.

2. A copy of this authorization may be accepted as an original.

3. I/We do hereby authorize (my lender/mortgage servicer) to release or otherwis e provide to The Staff at Protection Law Center to speak included the following, (Samantha Cancel, Eddi e Gomez, Claudia Marquez and all other PLC LLC staff) public and non-public financial information contained in my loan account which may include, but is not limited to, loan balances, final payoff, l oan payment history, payment activity, and/or property information.

This authorization is valid for One year from the above date and/or until it is removed in writing by the Borrower(s) or PLC LLC.

Applicant:

SSN:

Date:

Co-Applicant:

SSN:

Date:

For SCC use only:

Loan Number:

Property Address:

Date:

Scope of Representation PLC LLC will provide services for (the Client ) for the expressed and implied purpose of providing the following Loss Mitigation Service s and representation (as defined and referred to in the following Description of Servic es ) for (the Client ).

This agreement and representation is limited to the Loss Mitigation Services for the aforementioned client and real property address located at (the property ). PLC LLC is being engaged for the purpose of legal representation in ass isting Client with certain problems resulting from a mortgage delinquency and/or foreclosure situat ion in connection with the property. This representation does not include, E.G., appearances in court, appearances to settlement conferences, answers of default for summons and complaint, overall re presentation in the foreclosure action, appeals from any judgments or orders of the court. We will p rovide these services at additional costs to our clients.

Appeals are subject to separate discussion and negotiation between the Law Firm and you. This agreement also does not cover any services you may request in connection with an y other matter, action or proceeding.

The representation you have sought from the Law Firm may be time-consuming. In o rder to give you an understanding of what is involved; the following is our best estimation o f the steps involved in the representation as well as the time frame we expect it will take for the r epresentation to conclude:

Description of Services provided under this agreement: 1. Initial Consultation and counseling of clients rights and options regarding t heir rights, responsibilities, and alternatives in loss mitigation as well as preparing and s ubmitting all loss mitigation paperwork on behalf of the client . We will negotiate to obtain one or more of the following; negotiate a loan modification offer, short sale negotiation, s hort refinance negotiation , suspension of a foreclosure sale date, deed in lieu of foreclosure , or cash-forkeys negotiation or loan forbearance offer.

2. USE OF COUNSEL LAW FIRMS Specifically, as part of this agreement, Friedman Law Associates, PC, has been r etained as OF Counsel to PLC. Friedman Law Associates, P.C. has the right to retain local atto rneys at their discretion. 3. Contacting and negotiating with lien holders, creditors etc on your behalf rega rding the loan modification, loan restructure, short sale negotiation, short refinance neg otiation, , deed in lieu of foreclosure, or cash-for-keys negotiation, or any suspension of foreclosure sale date. 4. Negotiation Process: A. Initial Consultation and advising client regarding various loss mitigation op tions. B. Document review for various RESPA, Truth in lending and predatory lending violations while file structuring and submitting your file to the lender. C. Secure Bank authorization to speak on clients behalf.

D. Communicating with bank regarding individual client s financials and faxing appropriate documentation to the appropriate department. E. Negotiating with loss mitigation and or bank appointed negotiator regarding c lient s file on one of our loss mitigation services or resolutions (I.E. loan modificati on offer, loan restructure, loan forbearance offer, short sale negotiation , short refinan ce negotiation, suspension of a foreclosure sale date, , deed in lieu of foreclosur e , or cash-for-keys negotiation: The modification process may vary depending on your bank, and your current mortgage situation. The process may take a few weeks to several months to complete and receive a modification offer. Please note that your lender may deny your loan restructure several times before we achieve a desired result. F. If you fail to provide us with requested information and documentation which will not permit us to successfully complete services outlined in our service agreemen t and scope of representation, we will deem our services to have been completed. I f false information is provided to our firm which will not permit us to successful ly achieve the services we offer, we will deem our services completed. If you fail to comply with any requests that prohibit our firm from obtaining the services list ed, we will deem our services completed. If you cancel our services at any time duri ng the negotiating process, we will have the right to keep any fees paid to the law firm for services and time allocated to your case at an hourly rate of $300.00 per ho ur for attorney time and $150.00 per hour for paralegal time. Regardless of the hours spent on your file, the aggregate fee shall never exceed the service fee listed in this agreement. These fees are only to apply for services listed in our service agree ment and scope of representation. G. Please note: PLC LLC does not make any promises on specific rates or terms of your loan restructure offer. We at no time recommend homeowners to miss their mortgage payments at any time.

Applicant:

Date:

Co-Applicant:

Date:

Service / Retainer Agreement

The purpose of this letter agreement is to set forth the mutual understandings a nd agreements between you and PLC LLC with respect to the agreement to assist you in loss miti gation services of your mortgage recorded on the above-referenced Property (the Services ). PLC LLC ap preciates your confidence in our business and, while we can make no guarantee as to the ou tcome of your matter, we shall keep you generally apprised as to the status of your loss mitig ation services. In turn, you agree to cooperate with PLC LLC so that your matter can be properly ha ndled. You agree to be truthful with and fully cooperate with PLC LLC in regard to the services outlined in our Scope of Representation. You will provide copies of any and all corresponden ces received from, including but limited to, the lender, its agents or attorneys, or any involved f oreclosure court. You must immediately contact PLC LLC if you become aware of any pending foreclosure sale dates, bankruptcies, or any other situation that would impede, hinder, or alter the law firm s ability to represent you in the loan modification process. You shall respond to any and all requests and inquiries made by PLC LLC in a timely manner, not to exceed forty-eight (48) hou rs from the time of request. You agree not to enter into any agreement directly with the lender whil e PLC LLC is actively engaged in loan modification services on your behalf. During the pendency of thi s agreement, any loan modification or related agreement obtained through the assistance of the la w firm or the clients own efforts, will be deemed the efforts of the law firm, and as such, al l attorneys fees shall be considered earned. Your failure to cooperate shall be deemed a breach of this agreement and therefore subject to termination. PLC LLC will perform all duties it considers necessary an appropriate to complet e the services fully outlined in our Scope of Representation. You understand that nothing in this agr eement nor any oral or written statements made by PLC LLC is to be construed as a guarantee of any outcome concerning your case. For the purpose of providing you with the best and most co mprehensive loan modification services, PLC LLC., in its discretion, may employ and supervise ass ociate or co-counsel attorneys, independent contractors and/or loss mitigation specialists. In exchan ge for the Services provided by PLC LLC hereunder, you shall pay PLC LLC, a lump-sum retainer equal to $_ _____________ for negotiating your first mortgage ( Attorneys Fees ). For negotiat ing

your second mortgage, You shall pay PLC LLC a lump-sum retainer equal to $_ ___________.( Attorneys Fees ) The total amount paid will be $_ _____________________. If PLC LLC is being retained and a property sale date is Thirty (30) days from the date of this agreement, an additional lump sum retainer in th e amount of $_____ must be paid, in addition to any other attorney services as written below . The Attorneys Fees described above shall be considered a Retainer for attorneys ti me that is fully earned as services are deemed rendered. Attorney time shall be billed at a rate of $300 per hour and Paralegal time shall be billed at a rate of $150 per hour. You expressly aut horize PLC LLC. to pay for the services of associate or co-counsel attorneys, independent contractors and/o r loss mitigation specialists from the Retainer described herein. The services provided by PLC LLC are fully outlined in our Scope of Representati on which you will need to sign. Our loss mitigation services may consist of but not limited t o, change of interest rate, change of length (term) of loan, a forbearance agreement, waiver of late charges , a change from adjustable rate to a fixed rate, and a suspension of a foreclosure sale date, su bmission of loss mitigation paperwork or any additional services outlined in our scope of representation. Pl ease read our scope of representation for full service details. Fees shall be payable by electronic che cking

money order, personal check or bank/official check. No other forms of payment sh all be accepted. In the event that you fail to cooperate with PLC LLC, or that you provide PLC LLC w ith inaccurate or false information which prohibits the firm from obtaining one of our loss mitigation s ervices, we have the right to retain any amounts already paid to PLC LLC. If you cancel our services during the negotiation process, we have the right to retain any amounts already paid towards services. This agreement does not cover any appearances in court, appearances to settlement conferences, answe rs of default for summons and complaint, representation in the overall foreclosure action, appeals from any judgments or orders of the court. This agreement does not cover any litigation s ervices, which can be provided at additional costs to our clients. You further agree that, upon execution of this Agreement, PLC LLC at no time has expressed or suggested a refusal in payment concerning any of your financial obligations. I.E . Mortgage, Credit Cards, Personal Loans, Vehicle, Etc.

RETAINER AGREEMENT: Please acknowledge your agreement to the foregoing by countersigning this letter agreement and returning such signed copy to the undersigned. This letter agreement may be executed in any number of counterparts, each of which shall be an original, but all of which tog ether shall constitute one instrument. This Agreement shall be governed, construed and enforced in acco rdance with the laws of the State of Florida, without giving effect to principles of conflicts o f law. If you would like to cancel our services, you may mail or fax your cancellation letter to PLC LLC or fax to 866.545.2959 within 5 business days of signing this contract. You will be entitled to a full refund if we receive your cancellation within the 5 business days. PLC LLC reserves the right to use outsi de counsel for any services outlined in this agreement. If you cancel our services at any time duri ng the negotiating process, we will have the right to keep any fees paid to the law firm for servic es performed and time allocated to your case at an hourly rate of $300.00 per hour for Attorneys and $ 150.00 per hour for Paralegals. Regardless of the hours spent on your file, the aggregate fee shall never exceed the service fee listed in this agreement. These fees are only to apply for services listed i n our service agreement and scope of representation.

Very truly yours, On behalf of The Protection Law Center LLC

Name:

Title:

Date:

ACCEPTED AND AGREED TO BY:

Applicant:

Signature:

Date:

CoApplicant:

Signature:

Date:

Client Attestation Regarding NonGuarantee Policy

I/We,

(Client) hereby understand the following:

Nothing in this Agreement nor anything in Protection Law Center LLC s oral or written statements shall be construed or interpreted as a promise of guarantee of any particular outcome concerning my/our case or loan modification. PLC LLC makes no such promise or guarantee of any outcome. I understand that no one can force my/our lender(s) to accept any proposed resolution or modification of my/our loan(s). The Firm s acceptance of my/our case is not a guarantee as to the outcome or amounts recoverable in connection with my/our claim. I/We understand that PLC LLC is only promising to render its best professional skill and judgment and use its best efforts to change my/our current loan situation and has not guaranteed or promised any specific outcome.

ACCEPTED AND AGREED TO BY:

Applicant:

Signature:

Date:

Co-Applicant:

Signature:

Date:

ADDENDUM TO SERVICE AGREEMENT

I,

(Client) hereby recognize and

agree that any loan modification or loss mitigation offer obtained after the date of this initial application has been the result of the efforts put forth by the PLC LLC. Therefore, I also agree that I will not receive any refund in the event of a mortgage modification offer or loss mitigation offer is made after this date.

Please acknowledge your agreement to the foregoing by countersigning this letter agreement and returning such signed copy to the undersigned. This letter agreement may be executed in any number of counterparts, each of which shall be an original, but all of which tog ether shall constitute one instrument. This Agreement shall be governed, construed and enforced in accordan ce with the laws of the State of Florida, without giving effect to principles of conflicts of law.

Very truly yours,

Name:

Title:

Date:

ACCEPTED AND AGREED TO BY:

Applicant:

Signature:

Date:

Co-Applicant:

Signature:

Date:

Applicant Name:

Applicant Address:

This is to acknowledge that all monies paid to PLC LLC in regards to the service s listed in this agreement will be earned pursuant to the following fee summary: FEE SUMMARY: PLC LLC offers its services in PHASES. Accordingly, PLC LLC shall be entitled to a fee of $___________upon completion of PHASE 1, $_________ upon completion of PHASE 2, unless specified herein, and a final fee of $_______ __ due upon completion of PHASE 3, unless specified otherwise herein. The arrangement set forth herein is not set forth by law but is negotiable between P LC LLC, Client.and/or.lender/servicer. PHASE 1: Analyze income and expense statement signed by Client, analyze terms of existing loan, analyze loan as compared to fair market value conditions, eval uate Client's hardship as it relates to Client's ability to meet the requirements of Client note(s), communicate to Client all options for loan modification/resolutions, request from Client primary documentation which will include but is not limited to: current mortgage coupons for all properties owned by Client, one month recent pa y stub(s), and a 6 month profit and loss statement (if self-employed). PHASE 2: Prepare and submit 3rd party authorization to lender, underwrite Client s file pursuant to specific Lender guidelines. Request and accumulate additional Client documentation. This Client document request will include, but is not limited to, recently filed tax returns, additional and/or updated paystubs, current W-2's, updated profit and loss schedule (self employed only), rental agreements (if applicable), personal and/or business bank statements (if applicable), utility bills, 4506T form and any other financial information provi ded to Protection Law Center, LLC by Client that Protection Law Center, LLC deems material to compliance with lender guidelines, notify Client of any missin g or incomplete documents and/or missing information, assist Client in preparing hardship letter (if necessary), analyze, revise and complete final underwriting of Client's loan modification/resolution to ensure documentation will support modification created in PHASE 1, confirm receipt of 3rd party authorization with Lender, attempt an Attorney/Client.compliance.call,.and.persue.a.loan. modification/resolution.

PHASE 3: Submit and confirm receipt of loan modification/resolution with Lender, engage in active negotiations with Lender to achieve a loan modification/resolution, update Client regarding status of negotiations, analyze , review, and if necessary, revise income and expense projections based on supplemental contradictory information provided by Client or Lender, update Client regarding any changes in strategy based on a change of Lender guidelines and/or Client's inability to provide Lender with proof of income, inform and adv ise and update Client of all options regarding loan modification/resolution as outli ne in the Scope of Representation/Retainer Agreement and Attorney review of loan modification/resolution documents and/or terms.

Applicant:

Signature:

Co-Applicant:

Signature:

Applicant Name:

Applicant Address:

I am aware that the PLC LLC is only representing me with respect to loss mitigat ion services listed in the signed scope of representation and service agreement. I understand that in certain states I may need to seek outside counsel for any foreclosure actions taken agai nst me. PLC LLC is not responsible for responding to any motion papers, court appearances, settl ement conferences or anything relating to any foreclosure actions or bankruptcy filing s. PLC LLC instructs all clients to respond to motions and/or summons and complaints immedi ately or to hire a law firm to provide these services. Please speak to one of our attorneys for retainer amounts regarding any additional services or representation.

Instructions 1. Complete the form by printing legibly in dark pen and enter all numbers accur ately in the provided spaces. 2. Kindly sign this authorization in designated area.

I, hereby authorize Protection Law Center, LLC. to make a check withdrawal from my checking account listed below. Account Name as it appears on check:

Account Holders Address:

City:

State:

Zip:

Bank Name:

Bank Address:

City:

State:

Zip:

Bank Routing Number (ABA#):

(The nine numbers usually found before your account number on your bottom of you r check) Checking Account Number:

Check Number:

Please Attach Copy of Voided Check

Amount of Initial Check: $

Check #:

Date of Initial Check:

If paying on 2-payment plan please supply amount and date for second check: Amount of Second Check: $

Check #:

Date of Second Check:

Amount of Third Check: $

Check #:

Date of Third Check:

(if applicable)

(if applicable)

Authorized Signature:

Date:

Please Sign Here

PROTECTION LAW CENTER 1620 W. Oakland Park Blvd #200 Oakland Park, FL 33311 Tel: 1.888.745.7988 Fax: 1.866.545.2959 www.theplclaw.com

Borrower: ____________________________________Last 4 numbers of social:_________ ___________

Co-Borrower: _________________________________Last 4 numbers of social:_________ ___________

Property Address:________________________________________________________________________ _____

______________________________________________Zip Code__________________________ _____

Telephone Numbers:______________________________________________________________ ______

Lender:_________________________________________________________________________ _____

Loan Number:____________________________________________________________________ _____

Servicer:______________________________________Telephone:_______________________ _______

PLC Legal Assistant:______________________________________________________________________ _______

I authorize Protection Law Center, LLC and its representatives to speak on my be half regarding my loan with my lender and with whoever has servicing responsibilities for my loan.

I also authorize the lender and/or servicers handling my loan discuss my loan wi th Protection Law Center. I authorize Protection Law Center, LLC to pull credit reports to evaluate my cre dit for loss mitigation purposes. I authorize the lender and/ or servicer to notify Protection Law Center, LLC in the event that my loan payments become delinquent in the future, if the lender or servicer chooses to p rovide this service.

Borrower Signature:_____________________________

Date:_____________________________

Co-Borrower Signature:__________________________

Date:_____________________________

LIMITED POWER OF ATTORNEY

DEAR SIR OR MADAME:

This Limited Power of Attorney authorizes all present attorney and legal repres entatives to furnish full and complete legal and financial information, files and documents hereby requested b y the undersigned to the Protection Law Center 1620 W. Oakland Park Blvd #200 Oakland Park, Fl 33311 Phone: 954-640-9356 or to any representative, attorney or investigator from said law firm, pertaining to the financial or mortgage information on my home or property located at:

Name:

Property:

Loan Number:

Social Security Number:

Protection Law Center Agent: Exp Date___________

Protection Law Center has been retained to represent me in connection with the financial/mortgage loan negotiations of the aforementioned home/property and to take all necessary steps to secure the business transactions/mortgage loan negotiations thereof. All future inquiries or correspondence should be directed only to the Protection Law Center

Your full cooperation with my law firm/attorney is requested. You are further r equested to disclose no information to any other person without written authority to do so.

ALL PRIOR AUTHORIZATIONS ARE HEREBY CANCELLED.

I hereby certify that:

The foregoing Instrument was acknowledged before me this ___ day of _______, ___ ___ By_______________________, who is personally known to me or who has produced ___ __________as identification.

______________________________ Notary Public

_____________________________ CLIENT (Sign Name)

______________________________ CLIENT (Print Name)

______________________________ DATE