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 w e will work with you to find a resolution. To assist us in providing you with th e most effective and efficient service, please follow the instructions on the Ac tion Plan included with this package. In addition to the Action Plan, you will f ind these other documents in your printed package. Submission Checklist Fax Cover Page Housing Counseling Intake Form Financial Worksheet Hard ship 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 indicate d 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 yo u 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 th e mediator between you and your servicer, the final decision for any type of mod ification, 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 neces sary items, including any additional financial documents, which apply to your si tuation. 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. Confir m that all your information listed is complete and accurate. It is especially im portant to ensure the correct spelling and accuracy of your name, address, conta ct information and loan number. 3. Utilize the fax cover page generated with thi s package and fax all the documents listed on the Submission Checklist to the fa x number provided. 4. Within 48 hours of faxing in your completed package, you w ill be contacted by one of our housing counselors to arrange for a teleconferenc e or face-to-face interview to review your information. 5. If you do not hear fr om us within 72 hours of submitting your package, please contact us at the numbe r provided on your welcome letter. 6. Please contact your counselor if you recei ve any correspondence from your lender or servicer once you have begun the couns eling process. This will ensure that you receive proper guidance and can appropr iately respond to your lender or servicer’s request.

SUBMISSION CHECKLIST Fax Cover Sheet (Please date and write in the number of pages within your packag e) Housing Counseling Intake Form (Please verify that your information is accura te) 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 attorne y (If applicable) Most recent Mortgage Statement (If available) Most recent bill s and statements for all expenses (If available) Most recent pay stubs for all e mployment and income sources Last two months of all bank statements Last two yea rs 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 Os trom Phone Number: (843) 873-5533 Alt Phone Number: (843) 693-1308 Email: bevost rom@yahoo.com SUBJECT: LOAN MODIFICATION PACKAGE CLIENT NAME: Beverly Ostrom ADD RESS: 5205 Stonewall Drive CITY: Summerville STATE, ZIP: SC 29485 Please review this Workout Package for a possible Loan Modification. Your assist ance with this process of modifying my existing loan is greatly appreciated. Tha nk 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 H ome: ________________________ 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 Famil y Size: ______ How many dependents? ________ What ages are they? _____,_____,___ __,_____,_____,_____,_____,_____,____,____ High School Diploma or Equivalent Edu cation: ___________________________ 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 Primar y Employer: _______________________________________________ Position ___________ _______________________ __________________ Hire Date Phone: ____________________ _______ Net Income: $________________ This amount is paid: ____________________________ PROPERTY INFORMATION Wells Fargo Home Mortgage 0198763666 First Mortgage Lender: ____________________ _____________________ Loan Number: ________________________________________ 5.50 0 Fixed Rate Interest Rate _______% Type of Loan: _________________________ 2050 00.00 1300.00 Principal Balance $__________________ Monthly Payment $___________ _____ SEFCU 1039075 Second Mortgage Lender: ____________________________________ _____ Loan Number: ________________________________________ 3.250 5yr. Adjustabl

e (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 Ho me Owners Insurance Home Owner Association Fee Cell Phone Payment Home Phone Pay ment Cable/Internet Payment Electric Payment Trash Payment Gas Payment Water Pay ment Monthly Food Costs Car Insurance Payment Car Payments Vehicle Gas Daycare/ Childcare Child Support Health Insurance Medical/ Dental Costs Monthly Prescript ion Costs Life Insurance Costs Credit Cards SCFCU Populate> <Auto Visa Monthly P ayments <Auto Populate> $ 1300.00 <Auto $ 200.00 Populate> $ <Auto Populate> $ < Auto Populate> <Auto $ 32.00 Populate> <Auto $ 120.00 Populate> <Auto $ 40.00 Po pulate> <Auto $ 40.00 Populate> <Auto $ 450.00 Populate> $ <Auto Populate> $ <Au to Populate> <Auto $ 62.00 Populate> <Auto $ 300.00 Populate> <Auto $ 200.00 Pop ulate> $ <Auto Populate> <Auto $ 200.00 Populate> $ <Auto Populate> $ <Auto Popu late> $ <Auto Populate> $ <Auto Populate> <Auto $ 125.00 Populate> $ <Auto Popul ate> Monthly Payments $ 100.00 Populate> <Auto $ <Auto Populate> $ <Auto Populat e> $ <Auto Populate> $ <Auto Populate> $ <Auto Populate> $ <Auto Populate> $ $ $ $ $ 100.00 Populate> <Auto $ $ $ $ $ Monthly Gross <Auto Populate> 4165.00 Loan Number: <Auto Populate> 0198763666 Monthly Net $ 3104.00 $ $ $ $ Source Salarie d Employee/ Wage Earner <Auto Populate> <Auto Populate> <Auto Populate> <Auto Populate> $ 4165.00Populate> <Auto $ 3104.00 Populate> <Auto Unpaid Balance 205000.00 $ <A uto 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 Acc ounts Other Total Total Expenses Total Balances Gross Monthly Surplus Net Monthl y 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 i s true and correct to the best of my/our knowledge. In the event a third party i s designated to assist on my/our behalf, I have included written authorization t o 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 hav e 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 y ou to consider working with us to modify our loan. Our number one goal is to kee p 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 trage dy 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 Col umbia, SC I have diligently pursued trying to save this home. Wells Fargo has be en 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 du e 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 Afforda ble 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 circu mstances have changed . For example: death in family, serious or chronic illness , permanent or short-term disability, increased family responsibilities (adoptio n 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 medi cal and health-care costs, uninsured losses (such as those due to fires or natur al disasters), unexpectedly high utility bills, increased real property taxes. I have provided details below under "Explanation." My cash reserves are insuffici ent 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 mark et funds, marketable stocks or bonds (excluding retirement accounts). Cash reser ves do not include assets that serve as an emergency fund (generally equal to th ree times my monthly debt payments). I have provided details below under "Explan ation." My monthly debt payments are excessive, and I am overextended with my cr editors. 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 sdsdsd FFFpajl; q [slfkal[ fasdasdfg asdgasdg 566-88-5245 584-11-2535

þÿTo whom it may concern, I am writing this letter to explain my unfortunate set of circumstances that hav e 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 y ou to consider working with us to modify our loan. Our number one goal is to kee p 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 trag edy 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 Col umbia, SC I have diligently pursued trying to save this home. Wells Fargo has be en 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 du e 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 informatio n from my records in order to assist me in resolving a mortgage default. This in formation will be released only to those institutions, companies and agencies th at our organization believes can provide assistance in resolving a mortgage defa ult. Examples of such entities include mortgage servicers, mortgage investors, p ublic agencies and other nonprofit organizations. If necessary, information on f ile at another entity may also be released to us. This information release/excha nge will be restricted to specific financial data, such as income, budget, debt and mortgage details provided by you. I understand that the provision of service s 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 i nformation, and that there are statutes and regulations protecting the confident iality of authorized information. I hereby acknowledge that this consent is volu ntary 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 t his consent has been taken. This consent shall expire 90 days from the date show n 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 Development of a spending plan Analysis of the mort services: gage default, including the amount and cause of default Presentation and explana tion of reasonable options available to the homeowner Assistance communicating w ith the mortgage servicer and other creditors Timely completion of promised acti on Explanation of collection and foreclosure process Identification of assistanc e 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, wh ether 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 a ppointments and understand that if we are late for an appointment, the appointme nt will still end at the scheduled time. I/We will call within 6 hours of a sche duled appointment if I/we will be unable to attend an appointment. I/We will con tact the counselor about any changes in our situation immediately. I/We understa nd that breaking this agreement may cause the counseling organization to sever i ts 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, illeg ible, 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 c harge. See the product list below. You can also call 1-800-829-1040 to order a t ranscript. 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 r eturn. If a joint return, enter the name shown first. 1b First social security n umber 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 45 06-T, and lines 6 and 9 are blank. 6 Transcript requested. Enter the tax form nu mber here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter on ly 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 avail able 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 curr ent year and returns processed during the prior 3 processing years. Most request s 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 adjustme nts made by you or the IRS after the return was filed. Return information is lim ited to items such as tax liability and estimated tax payments. Account transcri pts are available for most returns. Most requests will be processed within 30 ca lendar 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 ta x years. Most requests will be processed within 30 calendar days 7 8 Verificatio

n of Nonfiling, which is proof from the IRS that you did not file a return for t he 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 provi de a transcript that includes data from these information returns. State or loca l 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 th e IRS. For example, W-2 information for 2006, filed in 2007, will not be availab le 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 r equests will be processed within 45 days Caution: If you need a copy of Form W-2 or Form 1099, you should first contact t he 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 attach ments. 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 perio ds, 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. / / / / / / / / 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 req uested. If the request applies to a joint return, either husband or wife must si gn. If signed by a corporate officer, partner, guardian, tax matters partner, ex ecutor, receiver, administrator, trustee, or party other than the taxpayer, I ce rtify 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)