Dear Homeowner, I’m so glad you took the first step and contacted us about your mortgage.

We understand how difficult it is to speak about this situation, but we will work with you to find a resolution. To assist us in providing you with the most effective and efficient service, please follow the instructions on the Action Plan included with this package. In addition to the Action Plan, you will find these other documents in your printed package.          Submission Checklist Fax Cover Page Housing Counseling Intake Form Financial Worksheet Hardship Letter Hardship Affidavit Authorization Form and Client Contract 4506-T Tax Form SIGTARP Fraud Notice

Please review these documents for accuracy and sign and date them where indicated and fax them to us. Once we receive your completed package one of our housing counselors will contact your to arrange either a teleconference or face-to-face appointment to review your information. If there are questions or information you don’t understand, that’s okay. Do your best with it and we will go through the rest of it together. You can reach us at: 8835 Research Drive Irvine, CA 92618 800-724-3080 www.counselordirect.com You have taken the first step to resolving your situation. We look forward to working with you. Please be advised we are the mediator between you and your servicer, the final decision for any type of modification, forbearance or workout plan will be up to your servicer. In addition, we may need to pull and review your credit report with your permission.

Sincerely,

COUNSELOR DIRECT

ACTION PLAN
1. Please use the Submission Checklist provided to ensure you have all the necessary items, including any additional financial documents, which apply to your situation. If you are unable to locate all of your documents, gather what you can and send them in along with your printed package to begin the process. 2. Confirm that all your information listed is complete and accurate. It is especially important to ensure the correct spelling and accuracy of your name, address, contact information and loan number. 3. Utilize the fax cover page generated with this package and fax all the documents listed on the Submission Checklist to the fax number provided. 4. Within 48 hours of faxing in your completed package, you will be contacted by one of our housing counselors to arrange for a teleconference or face-to-face interview to review your information. 5. If you do not hear from us within 72 hours of submitting your package, please contact us at the number provided on your welcome letter. 6. Please contact your counselor if you receive any correspondence from your lender or servicer once you have begun the counseling process. This will ensure that you receive proper guidance and can appropriately respond to your lender or servicer’s request.

SUBMISSION CHECKLIST

Fax Cover Sheet (Please date and write in the number of pages within your package) Housing Counseling Intake Form (Please verify that your information is accurate) Financial Worksheet (Please sign and date) Hardship Letter (Please sign and date) Hardship Affidavit (Please sign and date the 3rd page) Authorization Form (Please sign and date) 4506-T Form (Please sign and date) Copy of your Mortgage Note (If available) Any correspondence from your mortgage company or its attorney (If applicable) Most recent Mortgage Statement (If available) Most recent bills and statements for all expenses (If available) Most recent pay stubs for all employment and income sources Last two months of all bank statements Last two years tax returns and W-2’s

LOAN NUMBER: #

0198763666

FAX TRANSMITTAL
Date: 01/31/2010 Send to: Counselor Direct – Intake Department Fax Number: (949) 892-1112 Loan Number: 0198763666 Qty. Pages (including cover): From: Beverly Ostrom Phone Number: (843) 873-5533 Alt Phone Number: (843) 693-1308 Email: bevostrom@yahoo.com SUBJECT: LOAN MODIFICATION PACKAGE CLIENT NAME: Beverly Ostrom ADDRESS: 5205 Stonewall Drive CITY: Summerville STATE, ZIP: SC 29485

Please review this Workout Package for a possible Loan Modification. Your assistance with this process of modifying my existing loan is greatly appreciated. Thank you,

Beverly Ostrom

PROBABILITY RATING: 55
This transmittance contains confidential client information and is intended for the expressed recipient only. If you receive this transmittance in error please contact the sender and destroy the document immediately.

HOUSING COUNSELING INTAKE FORM
01/31/2010 Date: ____________________ Beverly Ostrom Name: ___________________________________________________________________________________________________________ First M Last Summerville SC 29485 5205 Stonewall Drive Address: ____________________________________________________ ______________________________________ _______ __________ Street City State Zip Code (843) 693-1308 (843) 873-5533 Home: ________________________ Cell _______________________ 251-08-8008 _________________________ Social Security Number White Race: __________________________________
Hispanic: Yes No

11/20/1954 __________________ Birth Date
Other _______________________________

Huntsville Alabama Place of Birth: ____________________________________________ Female No Gender: _____________________ Disabled? ____________________

Separated Marital Status: _______________________

Single Adult Household Type? ______________________________________ 1 1 21 Family Size: ______ How many dependents? ________ What ages are they? _____,_____,_____,_____,_____,_____,_____,_____,____,____ High School Diploma or Equivalent Education: ___________________________

CO-HOMEOWNER
Scott Ostrom Name: _____________________________________________________________________________________________________________ First M Last _______________________ __________________ Social Security Number Birth Date White Race: __________________________________
Hispanic: Yes No Other _______________________________ Place of Birth: ____________________________________________ Gender: _____________________ Disabled? ____________________

Marital Status: _______________________ Education: ___________________________

Spouse Relationship to Customer: _____________________________ Other: ___________________

EMPLOYMENT
Superior Diesel Inc Primary Employer: ______________________________________________ 08/06/2008 ___________________ Hire Date
Phone: ______________________________

Credit Manager Position ________________________________ 3104.00 Net Income: $______________

This amount is paid: ____________________________ Co-Homeowner Employment Primary Employer: _______________________________________________ Position __________________________________ __________________ Hire Date Phone: ___________________________ Net Income: $________________

This amount is paid: ____________________________

PROPERTY INFORMATION
Wells Fargo Home Mortgage 0198763666 First Mortgage Lender: _________________________________________ Loan Number: ________________________________________ 5.500 Fixed Rate Interest Rate _______% Type of Loan: _________________________ 205000.00 1300.00 Principal Balance $__________________ Monthly Payment $________________
SEFCU 1039075 Second Mortgage Lender: _________________________________________ Loan Number: ________________________________________

3.250 5yr. Adjustable (interest Interest Rate _______% Type of Loan: _________________________only) 75000.00 200.00 Principal Balance $__________________ Monthly Payment $________________

FINANCIAL STATEMENT
Borrower Name:<Auto Populate> Beverly Ostrom Income Borrower Income Co-Borrower Income Other Income 1 Other Income 2 Other Income 3 Total Gross Income Total Net Income Expenses Mortgage Payment 2nd Mortgage Payment Monthly Property Taxes Home Owners Insurance Home Owner Association Fee Cell Phone Payment Home Phone Payment Cable/Internet Payment Electric Payment Trash Payment Gas Payment Water Payment Monthly Food Costs Car Insurance Payment Car Payments Vehicle Gas Daycare/ Childcare Child Support Health Insurance Medical/ Dental Costs Monthly Prescription Costs Life Insurance Costs Credit Cards SCFCU Populate> <Auto Visa Monthly Payments <Auto Populate> $ 1300.00 <Auto $ 200.00 Populate> $ <Auto Populate> $ <Auto Populate> <Auto $ 32.00 Populate> <Auto $ 120.00 Populate> <Auto $ 40.00 Populate> <Auto $ 40.00 Populate> <Auto $ 450.00 Populate> $ <Auto Populate> $ <Auto Populate> <Auto $ 62.00 Populate> <Auto $ 300.00 Populate> <Auto $ 200.00 Populate> $ <Auto Populate> <Auto $ 200.00 Populate> $ <Auto Populate> $ <Auto Populate> $ <Auto Populate> $ <Auto Populate> <Auto $ 125.00 Populate> $ <Auto Populate> Monthly Payments $ 100.00 Populate> <Auto $ <Auto Populate> $ <Auto Populate> $ <Auto Populate> $ <Auto Populate> $ <Auto Populate> $ <Auto Populate> $ $ $ $ $
100.00 Populate> <Auto

Loan Number: <Auto Populate> 0198763666 $ $ $ $ $ Monthly Gross <Auto Populate> 4165.00 Monthly Net $ 3104.00 $ $ $ $ Source Salaried Employee/ Wage Earner

<Auto Populate> <Auto Populate> <Auto Populate> <Auto Populate>

$ 4165.00Populate> <Auto $ 3104.00 Populate> <Auto Unpaid Balance 205000.00 $ <Auto Populate> $ <Auto Populate> 75000.00
(If not included in payment) (If not included in payment)

Summary
Total Dependants: 1 Assets Checking Accounts Savings Accounts IRA/401K/Keogh Accounts Other Total Total Expenses Total Balances Gross Monthly Surplus Net Monthly Surplus Total In Household: 1 Estimated Value $ 1000.00 $ 300.00 $ 1500.00 $ $ 2800.00 $ 3269.00 $ 282000.00 $ 896.00 $ -165.00

<Auto Populate>

<Auto Populate> <Auto Populate> <Auto Populate>
Additional Expenses attorneyPopulate> <Auto

Unpaid Balance $ 2000.00 <Auto Populate> $ <Auto Populate> $ <Auto Populate> $ <Auto Populate> $ <Auto Populate> $ <Auto Populate> $ <Auto Populate>

<Auto Populate>

<Auto Populate>

<Auto Populate> <Auto Populate> <Auto Populate> <Auto Populate>

By signing below, I\We certify that the information and documentation provided is true and correct to the best of my/our knowledge. In the event a third party is designated to assist on my/our behalf, I have included written authorization to the designee to assist on my/our behalf.
<Auto Populate>

Beverly <Auto Populate> Ostrom
Print Name
<A

01/31/2010
Date

Borrower Signature

Scott Ostrom
Print Name

01/31/2010
Date

Co-Borrower Signature

LOAN NUMBER# (0198763666 auto populated)

HARDSHIP LETTER
þÿTo whom it may concern,

To Whom It May Concern:
I am writing this letter to explain my unfortunate set of circumstances that have caused us to become delinquent on our mortgage. We have done everything in our power to make ends meet but unfortunately we have fallen short and would like you to consider working with us to modify our loan. Our number one goal is to keep our home and we would really appreciate the opportunity to do that.

The main reason that caused us to be late is custom experienced a terrible tragedy that has changed our (Form box that instructs borrower to give we have letter insertion) household financial circumstances which is described in more detail below.

March 1, 2009 my husband decided to move from our home in Summerville, SC to Columbia, SC I have diligently pursued trying to save this home. Wells Fargo has been working with me but after having paid the 3 trial loan modification payments, we seem to have reached a crossroads.

We sincerely seek your assistance in reducing our payment, relieving our past due balance, a reduction in principal balance, or defer some payments in order to maintain good standing with you again. We greatly appreciate any help you may be able to provide.

Sincerely,

Sincerely,
01/31/2010 Date: ____________

____________________________ Borrower Signature
Beverly Ostrom ____________________________ Borrower Name

____________________________ Co-Borrower Signature
Scott Ostrom ____________________________ Borrower Name

01/31/2010 Date: ____________

Home Affordable Modification Program Hardship Affidavit

Borrower Name: _ _ _ _ _ _ _Vasquez _ _ _ _ Date of Birth: _ _ _ __ Stormy _ _ _ 02/14/1974 Co-Borrower Name: _ _ _ _ _ _Ann_ _ _ _ _ _ _ Date of Birth: _ _ _ __ Jane _ Vasquez 05/05/1975 Property Street Address: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ 825 Center Street Apt. G240 Costa Mesa CA 92627 Property City, ST, Zip: Wells Fargo Home Mortgage Servicer: 5558 5555 4444 7777 Loan Number:
Wells Fargo Home Mortgage In order to qualify for 's ("Servicer") offer to enter into an agreement to modify my loan under the federal government's Home Affordable Modification Program (the "Agreement"), I/we am/are submitting this form to the Servicer and indicating by my/our checkmarks ("v''') the one or more events that contribute to my/our difficulty making payments on my/our mortgage loan.
Borrower Yes No

DO
Yes

Co-Borrower Yes No

o

0

My income has been reduced or lost. For example: unemployment, underemployment, reduced job hours, reduced pay, or a decline in self-employed business earnings. I have provided details below under "Explanation." My household financial circumstances have changed . For example: death in family, serious or chronic illness, permanent or short-term disability, increased family responsibilities (adoption or birth of a child, taking care of elderly relatives or other family members). I have provided details below under "Explanation." My expenses have increased. For example: monthly mortgage payment has increased or will increase, high medical and health-care costs, uninsured losses (such as those due to fires or natural disasters), unexpectedly high utility bills, increased real property taxes. I have provided details below under "Explanation." My cash reserves are insufficient to maintain the payment on my mortgage loan and cover basic living expenses at the same time. Cash reserves include assets such as cash, savings, money market funds, marketable stocks or bonds (excluding retirement accounts). Cash reserves do not include assets that serve as an emergency fund (generally equal to three times my monthly debt payments). I have provided details below under "Explanation." My monthly debt payments are excessive, and I am overextended with my creditors. I may have used credit cards, home equity loans or other credit to make my monthly mortgage payments. I have provided details below under "Explanation."

o

0 0 0

No

Yes

No

Yes

o

DOD

No

Yes

No

Yes

o

0 0 0

No

Yes

No

Yes

DOD D

No

Yes

No

ODD D

Yes

No

Yes

No

There are other reasons I/we cannot make our mortgage payments. I have provided details below under "Explanation."

Hardship Affidavit

Page 1 of 4

August 2009

Counselor Direct 8835 Research Drive Irvine, CA 92618 

01/31/2010

01/31/2010

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566-88-5245

584-11-2535

þÿTo whom it may concern,

I am writing this letter to explain my unfortunate set of circumstances that have caused us to become delinquent on our mortgage. We have done everything in our power to make ends meet but unfortunately we have fallen short and would like you to consider working with us to modify our loan. Our number one goal is to keep our home and we would really appreciate the opportunity to do that.

The main reason that caused us to be late is we have experienced a terrible tragedy that has changed our household financial circumstances which is described in more detail below.

March 1, 2009 my husband decided to move from our home in Summerville, SC to Columbia, SC I have diligently pursued trying to save this home. Wells Fargo has been working with me but after having paid the 3 trial loan modification payments, we seem to have reached a crossroads.

We sincerely seek your assistance in reducing our payment, relieving our past due balance, a reduction in principal balance, or defer some payments in order to maintain good standing with you again. We greatly appreciate any help you may be able to provide.

Sincerely,

Authorization for Release of Information
I hereby authorize NeighborWorks Chartered Member to release/exchange information from my records in order to assist me in resolving a mortgage default. This information will be released only to those institutions, companies and agencies that our organization believes can provide assistance in resolving a mortgage default. Examples of such entities include mortgage servicers, mortgage investors, public agencies and other nonprofit organizations. If necessary, information on file at another entity may also be released to us. This information release/exchange will be restricted to specific financial data, such as income, budget, debt and mortgage details provided by you. I understand that the provision of services at this organization is not contingent upon my decision concerning the release/exchange of information. The doctrine of informed consent has been explained to me, and I understand the contents to be released/ exchanged, the need for the information, and that there are statutes and regulations protecting the confidentiality of authorized information. I hereby acknowledge that this consent is voluntary and is valid until such request is fulfilled. I further acknowledge that I may revoke this consent at any time except to the extent that action based on this consent has been taken. This consent shall expire 90 days from the date shown below. I also acknowledge that a copy of this form is as valid as the original.

Client/Counselor Contract
NeighborWorks Chartered Member and its counselors agree to provide the following services:          Development of a spending plan Analysis of the mortgage default, including the amount and cause of default Presentation and explanation of reasonable options available to the homeowner Assistance communicating with the mortgage servicer and other creditors Timely completion of promised action Explanation of collection and foreclosure process Identification of assistance resources Referrals to needed resources Confidentiality, honesty, respect and professionalism in all services
Scott Ostrom

I/We, Beverly Ostrom      

(Homeowners) agree to the following terms of service:

I/We will always provide honest and complete information to my/our counselor, whether verbally or in writing. I/We will provide all necessary documentation and follow-up information within the timeframe requested. I/We will be on time for appointments and understand that if we are late for an appointment, the appointment will still end at the scheduled time. I/We will call within 6 hours of a scheduled appointment if I/we will be unable to attend an appointment. I/We will contact the counselor about any changes in our situation immediately. I/We understand that breaking this agreement may cause the counseling organization to sever its service assistance to me/us.

Homeowner Beverly Ostrom Homeowner Scott Ostrom Counselor

Date

Date

Date

Form

4506-T

Request for T ranscript of T ax Retur n
Do not sign this form unless all applicable lines have been completed. Read the instructions on page 2. Request may be rejected if the form is incomplete, illegible, or any required line was blank at the time of signature.
OMB No. 1545-1872

(Rev. January 2008)
Department of the Treasury Internal Revenue Service

Tip: Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can also call 1-800-829-1040 to order a transcript. If you need a copy of your return, use Form 4506, Request for Copy of Tax Return. There is a fee to get a copy of your return. 1a Name shown on tax return. If a joint return, enter the name shown first. 1b First social security number on tax return or employer identification number (see instructions)

Beverly Ostrom
2a If a joint return, enter spouse’s name shown on tax return

251-08-8008
2b Second social security number if joint tax return

3

Current name, address (including apt., room, or suite no.), city, state, and ZIP code

4

Previous address shown on the last return filed if different from line 3

5

If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party’s name, address, and telephone number. The IRS has no control over what the third party does with the tax information.

Caution: DO NOT SIGN this form if a third party requires you to complete Form 4506-T, and lines 6 and 9 are blank. 6 Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax form number per request. a Return Transcript, which includes most of the line items of a tax return as filed with the IRS. Transcripts are only available for
the following returns: Form 1040 series, Form 1065, Form 1120, Form 1120A, Form 1120H, Form 1120L, and Form 1120S. Return transcripts are available for the current year and returns processed during the prior 3 processing years. Most requests will be processed within 10 business days

b Account Transcript, which contains information on the financial status of the account, such as payments made on the account, penalty assessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax liability and estimated tax payments. Account transcripts are available for most returns. Most requests will be processed within 30 calendar days c Record of Account, which is a combination of line item information and later adjustments to the account. Available for current year and 3 prior tax years. Most requests will be processed within 30 calendar days 7 8 Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Most requests will be processed within 10 business days Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data from these information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this transcript information for up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS. For example, W-2 information for 2006, filed in 2007, will not be available from the IRS until 2008. If you need W-2 information for retirement purposes, you should contact the Social Security Administration at 1-800-772-1213. Most requests will be processed within 45 days

Caution: If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099 filed with your return, you must use Form 4506 and request a copy of your return, which includes all attachments. 9 Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than four years or periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter each quarter or tax period separately.

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Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax information requested. If the request applies to a joint return, either husband or wife must sign. If signed by a corporate officer, partner, guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to execute Form 4506-T on behalf of the taxpayer. Telephone number of taxpayer on line 1a or 2a ( )
Signature (see instructions) Date

Sign Here

Title (if line 1a above is a corporation, partnership, estate, or trust)

Spouse’s signature

Date Cat. No. 37667N Form

For Privacy Act and Paperwork Reduction Act Notice, see page 2.

4506-T

(Rev. 1-2008)