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The Making Home Affordable program Helps Homeowners in Bankruptcy

The Making Home Affordable Program is a critical part ofthe government's effort to stabilize the housing marketand help struggling homeowners get relief and avoid foreclosure. The Program includes opportunities forhomeowners in bankruptcy to modify their mortgage to make their payments more affordable through the HomeAffordable Modification Program (HAMP).

Homeowners whose monthly mortgage payment exceeds 31 percent of their verified gross (pre-tax) income mayapply for a HAMP modification before or after filing bankruptcy. To qualify for HAMP, a homeowner musr:

r Own a one- to four-unit home that is their principal residence;. Have received their mortgage on or before January 1, 2009;. Have a mortgage payment (includlng taxes, insurance, and homeowners' association dues) that is

more than 31 percent of their gross (pre-tax) monthly income;. Owe an amount that is less than or equal to $729,750 on their first mortgage for a one-unit

property (there are higher..limits fortwo-to four-unit properties); ando Have a documented financial hardship.

To apply for HAMP, homeowners must submit an Initial Package to their mortgage servicer, which includes:. A complete Reouest for.Mod ification and Affidavit (RMA).*o A complete Tax Authorization Form (lRS Form 4506T-EZ).,*o Proof of Income. *

* These forms and a Proof of Income checklist are available on the Making Home Affordable Web site -www.MakingHomeAffordable.gov. Homeowners may also obtain copies of these forms from their bankruptcvtrustee.

Mortgage servicers will determine whether homeowners qualify for a modifibation under HAMP. Homeownerswho qualify must complete a trial period of three or four months to demonstrate that thev will be able to makereduced payments on time before their mortgage will be permanently modified.

Homeowners should discuss HAMP with their bankruptcy attorney before making an application for a HAMP loanmodification.

Please see www. MakingHomeAffordable.eov for additional details or call the Homeowner's HOPETM Hotline at1-888-995-HOPE (4673) to speak with a free HUD-certified counselor in Englii;h or Spanish.

Beware of Foreclosure Rescue Scams - Help is Freel

. Beware of anyone who asks you to pay a fee in exchange for a counseling service or modification of a delinquent loan.

. Scam artists often target homeowners who are struggling to meet their mortgage commitment or are anxious to sell theirhome. Recognize and avoid common scams.

. Assistance from a HuD-approved counselor is FREE,

. Beware of people who pressure you to sign papers immediately, or who try to convince you that they can "save" yourhome if you sign or transfer over the deed to your house.

. Do not sign over the deed to your property to any organization or individual unless you are working directly with yourmortgage company to forgive your debt.

. Never make a mortgage payment to anyone other than yo,ur mortgage company without the mortgage company'sapproval.

Making Home Affordable Program ancl Home Affordable Modification ProgramFrequently Asked Quesllions for Bankruptcy Filers

ql. What do these FAQs cover?

These FAQs provide information on the Home Affordable Modification Program (HAMP),which is one option under the government's Making Home Affordable Program. TheseFAQs are designed primarily for homeo'wners who have fi led bankruptcy or areconsider ing f i l ing bankruptcy. For detai led informat ion on HAMP and other opt ionsunder the Making Home Affordable Program, including an extensive l ist of Frequent lyAsked Questio ns, please visit www. Ma ki ng H om eAfford a b le.gov.

q2. What is the Making Home Affordable ltrogram, and what is HAMP?

The Making Home Affordable Program [s a crit ical part of the government's effort tostabi l ize the housing market and help struggl ing homeowners get rel ief and avoidforeclosure. HAMP helps homeowners who are struggl ing to keep their loans current orwho are already behind on their mortgage payments. By providing mortgage loanservicers with f inancial incentives to mcldify existing first l ien mortgages, the Treasuryhopes to help homeowners avoid forecilosure regardless of who owns or guarantees themortgage,

The Making Home Affordable Program frncludes the fol lowing programs:

o Home Affordable Ref inance Frogram (HARP)r Home Affordable Modif icat ion F'rogram (HAMP)

. Pr incipal Reduct ion Al ternat ive (PRA)' Home Affordable Unemprloyment Program (UP)

. Second Lien Modif icat ion Program (2MP)

. Home Affordable Foreclosure Alternatives (HAFA)o Options for government-insunedl mortgages: FHA-HAMP, VA-HAMP, USDA-HAMP

For more informat ion about these programs please vis i twww. M a ki ngH omeAffo rda b le.gov.

QS. Who is eligible for a loan modification under HAMP?

To be el ig ible for a loan modif icat ion under HAMP, you must:

. Be the owner-occupant of a one- to four-uni t home.

. Have an unpaid pr incipal mortgage balance that is equal to or less than;One uni t : $ lZg, lSOTwo units: 5934,200Three units: 5L,L29,250Four uni ts: SL,403,400

. Have a first l ien mortgage that was originated on or before January L,2OO9.

. Have a monthly mortgage payment ( including taxes, insurance, andhomeowners' association dues) greater than 3L percent of your monthly gross(pre-tax) income.

. Have a mortgage payment that is not affordable due to a financial hardship thatcan be documented.

These are the basic el ig ibi l i ty requirements. After you apply for HAMP, your mortgageservicer wi l l be able to tel l you i f you qual i fy.

Q+. Can I be considered for a HAMP modification if I am in bankruptcy?

Yes, if you are in an active (open) chapter 7 or chapter L3 bankruptcy case, vou must beconsidered for a HAMP modification if you, your attorney, or the bankruptcy trusteesubmits a request to the servicer. With your permission, the bankruptcy trustee maycontact the servicer to request a HAMP modification.

QS. How do I apply for a modification under ]{AIMP?

To apply for a modif icat ion under HAMP, you must submit an " ln i t ia l Package" to yourmortgage servicer that includes:

. A complete Request for Modificatir@ (RMA).' This form captures information on your income, expenses, subordinate

l iens on the property, and l iquid assets.r l t a lso includes a Hardship l \ f f idavi t and fraud not ice.

. A complete Tax Authorization Fore (lRS Form 450GT-EZ).' This form gives permission for your servicer to request a copy of the most

recent tax return you have fi led with the lRS.. Proof of Income.

r I checkl ist explaining what documents can be used as evidence ofincome is avai lable athttp : / / www. M a ki n g H o m eAffo rd a b I e . gov/c h ec k I i st. s ht m | .

l f you are in an act ive (open) chapter 7 or r :hapter L3 bankruptcy case, some servicersrnay accept copies of your bankruptcy schedules and tax returns ( i f returns are requiredto be fi led) in place of the RMA and Form IL506T-E7. You should consult with your

2

servicer to c lar i fy the documents requi i red. l f your bankruptcy schedules are more than90 days old when the mortgage servicer receives them, you must provide updated proofof income to determine HAMp el ig ibi l i ty.

The mortgage servicer 's phone nunnber and emai l address is on your monthly mortgagebi l l or coupon book, Please be pat ient yet persistent. Your servicer may be handl ing alarge volume of inquir ies about the program and i t may take some t ime before yourservicer is able to process your appl icat ion.

For more detai ls on the required inforrnat ion and forms, v is i t the "Request aModif icat ion" sect ion of www.Makingl{omeAffordable.gov. You may also obtain copiesof these forms from your bankruptcy trustee.

l f you would l ike to speak to a housing counselor approved by the Department ofHousing and Urban Development (HUD), cal l the Homeowner 's HOpE'" Hot l ine at888-995-HOPE (4673). HUD-approved lnousing counselors can help you evaluate yourincome and expenses, understand youn opt ions, and apply to your servicer for HAMp.This counse l ing is FREE.

l f you have already missed one or more mortgage paymenis and have not yet spoken toyour mortgage servicer, cal l your servicer immediately.

Q5: How much wil l a HAMP modification cost me?

lf you qual i fy for HAMP, you wi l l never be required to pay a modif icat ion fee or past-duelate fees. lf there are costs associated with the modification, such as payment of backtaxes, your mortgage servicer wi l l g ive'you the opt ion of adding them to the amount youowe on your mortgage or paying some or al l of the expenses in advance. Paying theseexpenses in advance wi l l reduce your new monthly payment and save interest costsover the l i fe of your loan.

l f you would l ike assistance from a housing counsel ing agency approved by HUD or arereferred to a HUD-approved counseloras a condit ion of the modif icat ion, you wi l l notbe charged a counsel ing fee. Beware of any organizat ion that at tempts to charge an up-front fee for housing counsel ing or modif icat ion of a del inquent loan, or anyorganizat ion that c laims to guarantee success.

q7. How will the HAMP modification affect my loan?

Your mortgage servicer may offer various options to you, including:

. Reducing your interest rate to as low as 2 percent.

. Extending the term of your loan upr to 40 years.

. Deferr ing a port ion of the pr incipal payment to a bal loon payment at the end ofthe loan term.

. Forgiv ing a port ion of the pr incipal .

Before you agree to a HAM P modification, consult with your attorney for informationabout the affect of the modification.

QS. Do I have to go through a trial perriod for a HAMP modification?

Generally, i f you are eligible for HAMP, your rnortgage servicer wil l put you on a three-month tr ia l p lan to demonstrate your abi l i ty to make t imely payments at the newmonthly payment level . l f you successful ly make al l required payments dur ing the tr ia lper iod and the income and expense inforrnat ion you provided is determined to beaccurate, your servicer wi l l execute an off ic ia l modif icat ion agreement. You wi l l berequired to s ign the modif icat ion agreem€rnt and other documents and attest that al l ofthe informat ion you provided to your servicer was true and accurate. Misrepresent ingany required informat ion is a v iolat ion of Federal law and has ser ious legalccnsequences.

At the discretion of the mortgage servicer,, i f you are in an active (open) chapter 13bankruptcy case and you are determined to be el ig ible for HAMP, you might not have tocomplete a tr ia l per iod plan. For more infrormat ion about waiver of the tr ia l per iod,consult with your attorney or, i f you do nort have an attorney, consult with thebankruptcy trustee.

Qg. What if my home is scheduled for a foreclosure sale?

Contact your mortgage servicer immediatr: ly and ask to be considered for HAMP.Servicers part ic ipat ing in the HAMP progrerm are not al lowed to proceed with aforeclosure sale whi le you are being evaluated for HAMP. In order to conduct theHAMP evaluat ion, your servicer must receive al l the required documents pr ior to sevenbusiness days before the scheduled foreclrosure sale date. You may also contact a HUD-approved housing counselor for help by car l l ing 888-995-HOPE (4673).

Q10. Will I be able to get a modification fif I am in a HAMP trial period plan andsubsequently f i le bankruptcy?

Yes, i f you are in a HAMP tr ia l per iod pl lan and subsequent ly f i le bankruptcy, you maynot be denied a HAMP modif icat ion on the basis of the bankruptcy f i l ing. The montgageservicer must work with you or your at torney to obtain any required court and/ortrustee approvals. The servicer should extend the trial period plan as necessary toaccommodate delays in obtaining court approvals or receiving your t r ia l per iodpayments when they are made to a trustee. However, servicers are not required toextend the tr ia l per iod beyond two months, resul t ing in a maximum f ive-month tr ia lper iod. l f the tr ia l per iod is extended, ) /ou shal l make a tr ia l per iod payment for eachmonth of the tr ia l per iod, including any'extension month.

Q11. What happens in chapter 13 bankruptrcy if t 'm in a trial period plan under HAMP?

lf you are in an active (open) chapter l- i3 bankruptcy case and, after f i l ing bankruptcy,you made payments as required by a HAMP tr ia l per iod plan, the mortgage servicer maynot do any of the following: (1) object to confirmation of your chapter 1-3 plan, (2) movefor relief from the automatic bankruptcy stay, or (3) move for dismissal of your chapter13 case on the ground that you paid only the amounts due under the tr ia l per iod plan.

Q12. Am I eligible for HAMP if I have received a chapter 7 bankruptcy discharge?

Yes, even if you have received a chapter 7 bankruptcy discharge, you are eligible forHAMP. l f you did not reaff i rm your montgage debt, the fol iowing language must beinserted in the Home Affordable Modification Agreement:

" l was discharged in a chapterT bankruptcy proceeding subsequent to the execut ion ofthe Loan Documents. Based on this representat ion, Lender agrees that I wi l l not havepersonal l iabi l i ty on the debt pursuant to this Agreement."

,",.* 4$06T-EZ(October 2009)

Department of the Treasurylnternal Revenue Service

Short Form Request for lndlividual Tax Return Transcript

) Request may not be processecl if the form is incomplete or illegible.

OMB No. 1545-2154

'n a Name shown on iax return. lf a joint return, enter ihe nanre shown tirst

2a lf ajoint return, enter spouse's name shown on tax return,

3 current name, address (including apt,, room, or suite no.), city, stater, and Zlp code

1b First social security number on tax return

2b Second social security number if joint tax retum

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

Tip: Use Form 4506T'EZ to order a 1040 series tax return transcript free of charge.

Third pady name Telephone number

Address (including apt., room, or suite

5 lf the transcript is to be mailod to a third party {such as a modgage company), enter the third party's name, address, and telephone number, TheIRS has no control over what the third party does wlth the tax Information.

no.), city, state, and ZIP code

Year(8) requestod' Enter the year(9 of the return transcripi you aro requesting for example, "2008'). l\4ost requests wjll be processed within'10 business days.

Caution' lf the transcript is being mailed to a thlrd party, ensure that you have lilled !n line 6 before signihg. Sign and date the fom once you havefilled in line 6. Completing these steps helps to protect your privacy.

Note' ff fhe /FS is urable to locale a retum that matches tho taxpayer idenw infomation provided above, or if IRS records indicate that the rctum hasnot been filed, the IBs may now you or the third patty that it was unabte to lacate a rctum, or that a retum was not filed, whichever is aDplicable.

Signature ol taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a. It tho request applies to a jojnt return, eithorhusband or wife must sign.

Note, This form must be recelved withln 60 days ol signalure date.

SignHere

Signature (see instructions) Date

7 Spouse's signature Date

)

Telephone number oftaxpayer on line la or 2a

For Privacy Act and Paperwork Reduction Act Notice, see page 2. Ca t , No .54185S Form 4506T-EZ (10-2ooe)

Form 4506T-EZ (1 0-2009) Page 2

Purpose of form, lndividuals can use Form4506T-EZ to request a tax return transcriptthat includes most lines of the original taxreturn. The tax return transcript will notshow payments, penalty assessments, oradjustments made to the originally filedreturn. You can also designate a third party(such as a mortgage company)to receive atranscript on line 5. Form 4506T-EZ cannotbe used by taxpayers who file Form 1040based on a fiscal tax year (that is, a taxyear beginning in one calendar year andending in the following year). Taxpayersusing a fiscal tax year must file Form4506-T, Request for Transcript of TaxReturn, to request a return transcript.

Use Form 4506-T to request the following.

o A transcript of a business return(including estate and trust returns).o An account transcript (containsinformation on the financial status of theaccount, such as payments made on theaccount, penalty assessments, andadjustments made by you or the IRS afterthe return was filed).o A record of account, which is acombination of line item information andIater adjustments to the account.r A verification of nonfiling, which is prooffrom the IRS that you did not file a returnfor the year.

o A Form W-2, Form 1099 series, Form1098 series, or Form 5498 series transcript.

Form 4506-T can also be used forrequesting tax return transcripts.

Automated transcript request. You cancall 1-800-829-1040 to order a tax retumtranscript through the automated self-helpsystem. You cannot have a transcript sentto a third pafiy through the automatedsystem.

Where to file. Mail or fax Form 45OAT-EZto the address below for the state you livedin when that return was filed.

lf you are requesting more than onetranscript or other product and the chartbelow shows two different RAIVS teams,send your request to the team based onthe address of your most recent return.

Where to mail . . .lf you filed anindividual returnand lived in:

Transcripts of jointly filed tax returnsmay be furnished to either spouse. Onlyone signature is required. Sign Form4506T-EZ exactly as your name appearedon the original return, lf you changed yourname, also sign your current name.

Privacy Act and Paperwork ReductionAct Notice. We ask for the information onthis form to establish your right to gainaccess to the requested tax informationunder the lnternal Revenue Code. Weneed this information to properly identifythe tax information and respond to yourrequest. Sections 6103 and 6109 requireyou to provide this information, includingyour SSN. lf you do not provide thisinformation, we may not be able to processyour request, Providing false or fraudulentinformation may subject you to penalties.

Routine uses of this information includegiving it to the Department of Justice forcivi l and criminal l i t igat ion, and cit ies,states, and the District of Columbia for usein.administering theirtax laws. We mayalso disclose this information to othercountries under a tax treaty, to federal andstate agencies to enforce federal nontaxcriminal laws, or to federal law enforcementand intelligence agencies to combatterrorism.

You are not required to provide theinformation requested on a form that issubject to the Paperwork Reduction Actunless the form displays a valid OMBcontrol number. Books or records relatingto a form or its instructions must beretained as long as their contents maybecome material in the administration ofany Internal Revenue law, Generally, taxreturns and return information areconfidential, as required by section 6103.

The time needed to complete and fileForm 4506T-EZ will vary depending onindividual circumstances. The estimatedaverage time is: Learning about the lawor the form, 9 min,; Preparing the form,1B min.; and Copying, assembling, andsending the form to the lRS, 20 min.

lf you have comments concerning theaccuracy of these time estimates orsuggestions for making Form 4506T-EZsimpler, we would be happy to hear fromyou. You can write to the lnternal RevenueService, Tax Products CoordinatingCommittee, SE:W:CAR:MP:T:T:SP, 1 1 1 1Constitution Ave, NW, lR-6526,Washington, DC 20224. Do not send theform to this address. Instead, see Where tofile on this page.

Alabama, Delaware,Florida, Georgia,North Carol ina, 'Rhode lsland, SouthCarolina, Virginia

lVlail or fax to the"lnternal Revenueliervice" at:

IIAIVS TeamP.O. Box 47-421litop 91lJoraville, GA 30362-,770-455-2335

I?AIVS Teaml3top 37106Fresno, CA 93888ri59-456-5876

RAIVS Teaml3top 6705*84'1l(ansas City, MO64999816--292-6102

Kentucky, Louisiana,Mississippi,Tennessee, Texas, aforeign country, orA.P.O. or F.P.O.address

llAlVS Teaml3top 6716 AUSCAustin, TX 73301ti12-460-2272

Alaska, Arizona,California, Colorado,District of Columbia,Hawaii, ldaho, lowa,Kansas, Maine,Maryland,Massachusetts,Minnesota, Montana,New Hampshire, NewMexico, New York,North Dakota,Oklahoma, Oregon,South Dakota, Utah,Vermont,Washington,Wisconsin, Wyoming

Arkansas,Connecticut, l l l inois,Indiana, Michigan,Missouri, New JerseyOhio, Pennsylvania,West Virginia

Signature and date. Form 4506T-EZ mustbe signed and dated by the taxpayer listedon line 1a or 2a. lf you completed l ine 5requesting the inforrnation be sent to athird party, the IRS must receive Form4506T-EZ within 60 days of the date signedby the taxpayer or it will be rejected.

fu rcanl.D Number p Servicer

l-J Keep the Property [- i Sel l the Property

J Pr imary Residence [-j Second Home [-j Investment

I want tct:

The proSterty is my:

Borrower's name

Socja l Secur i ty number Date of birth

Home phone number wi th area code

Cel l or work number wi th area code

Co-borrower's name

Sociai Security number Date of birth

Home phone number with area code

Cell or work number with area code

Thtz propterty is:

Mai l ing address

ilo il/i/.d a ;.;; iii;; *;;;'".iiru-ioo'.ii,"i' if w'it. ii';) -

ls the property listed for saleT LJYes il NoHave you received an offer on the property? tlyes f__l NoDate of offer ___ Amount of offer SAgent's Name:Agent's Phone Number:For Sale tty OwnerT ["i Yes i-"lNo

Who pays the real estate tax bill on your property?X I do f- iLender does tJ Paid by condo or HOA

Are the taxes currentT [j Yes t_i NoCondominium or HOA Fees [-] Yes fl No SPoid to:

iI Owner Occupied I Renter Occupied l] Vacant

Hove you contacted a credit-counseling agency for help i_] yes I NoIf yes, please complete the following:Counselor's Name: _Agency Name:

Cou nsel or's Phone N u m ber:Counselor's E-mail:

Who pays the hazard insurance premium for your property?t--i I do [] Lender does i-lPaid by Condo or HOA

lsthe policy current? l*lYes lllNoName of lnsurance Co:lnsurance Co.Tel #:

l f yes: f j Chapter 7 )Chapter 13ll No Bankruptcy case number

Filing Da

Ba la nce

-1"-----*---*--I Contact Number Loan Number

Have you filed for bankruptcyl l_,lYesHas; your bonkruptcy been dischargedT

Adclitional Liens/Mortgages or Judgments on this property:

iJ Noi*i Yes

Lien Holder's Name/Servicer

| (We) am/are requesting review under the Making Home Affordable program.I am having dif f iculty making my monthly payment becaruse of f inancial dif f icult ies created by (check al l that apply):

tr My household income has been reduced. For exa mple: u nempioyment, I n My monthly debt piyments are excessive and I am overextended withunderempioyment, reduced pay or hours, decline in business earnings, my creditots. Debt includes ctedit cards, home equity or other debt.death, dlsability or dlvorce ofa borrower or co-borrower. f

n My expenses have increased, For example: monthly mortgage payment ;nMycashreserves,includingall l iquidassets,areinsufficienttomaintajnreset, high medica or hea th care costs, uninsured losses, increased i my current mortgage payment and cover basic living expenses at theutil i t ies or property taxes. I same time.

[--i Other:

Explanat ion (cont inue on back of page 3 i f necessary) :

page 1 of3 b

::. !*!! t!s:!g!gMonthly Gross Wages

Es

Overt ime 5

Chi ld Suppor t / A l i rnony /Separation2

$

Social Security/SSDl sOtlrer monthly income frompensions, annui t ies orret irement plans

Tips, commiss ions, bon usand self 'employed income

Rents Received S

Unemploymerr t Income S

Food Stamps,Affelfare sOther ( investment income,roval t ies. intorest d v idends

etc.)

s

l $

Monthly Hou sehold Expenses/Debt

First Mortgage Payment

Second Mortgage Payment s

l n r r r r r n : aI I I ) U I O I l L E sD r n n a r t r r J i v o c .)

Cred i t Cards / ins ta l lmentLoan(s) (total minlmumpayment per month)

Alimony, clr i ld su pportpayments

N l r " t R n n t a l F v n a n q r r qS

HOA/Corrdo Fees/PropertyMaintenance

Car Payments 5

Other S

rait'itideiiat/*pinr", lS

Household:Assets

f 6 , . . r Q i n a A r r n r r r r t / q \ $

f l - rcck inn Acenr r n t (< . ) S

Savings/ Money Market S

CDs $

Stocks / Bonds $

Cther Cash orr f- land )

Other Real Estate(estimated value)

s

Other

other I

Do r-rot include t lre value of l i fe insurance orre t i rement p lans when ca lcu la t inq assets (40 '1k,pernsion funds, annuit ies, lRAs, Keogh plans, etc.)

TotalAssets ,5

.-":,':::::::: #iifyF'j:r:#!!,;tiifi:;';;|!i* f#!Ir1ll:':::::::";:.::_,,"",The foJlowlng information is requested by the fedefal govefnment in order to monitor compliance with federal statutes that pfohibit discrimination inhousing- You are not required to furnish this information, but are encouraged to do so. The law provides that a lender or servicer may notdiscriminate either on the basis ofth:s information, or on whether you choose to furnish it. lfyou furnish the information, p ease provide bothethnicity and race. For race, you may chcck more than one designation. lf you do not furnish ethnicit, race, or sex, the lender or servicef is required tonote the lnformation on the basis ofvisual obseryation oT surname if you have made this request for a loan modification ln person. lfyou do not wishto furnish the information, please check the box below.

BORROWER tl I do not wish to furnish this information CO-BORROWER D I do not wish to furnish this informatron

F f h n i r i n r l - l L ] i c n r n i r n r I r f i r r nLL t ' t u \ t L I , t - . . . . J | i l ) po t i l L t _ / t LdU l JL ,

i . - .1 Not Hispanic or LatinoEthnicity: I i Hispanic or Latino

l , . l Not Hispanic or Lat ino

Race: i l l An'rerican lndian or Alaska Native[] Asianil Black or African Americanll Native Hawaiian or Other Pacific lslanderl " l Whi te

Race: I...,1 American Indian or Alaska Nativef i Asiani-l Black or African American[-] Native Hawaiian or Cther Pacifrc lslande"i , l wh i te

Sex: [_l Female

t - l Ma leSex: [*i l'emale

l l M a l c r

[-] Face-to-face interview{"ll Mail

[ l Telephone

fl lnternetlnterviewer's Phone Number (include area cctde)

I ntervi ewer's Si o n atu re

Name/Address of lnterviewer's Emplover

^ , ^ L

Page /0 rJ r

Ac/r]li OW LEDGEM ENT AND AG REEMENTln making this requestfor consideration undet the Making Home Affordable Program, t certify under penalty of perjuty:l. Thatall of the information tn this document is truthful andtheevent(s) identified on page I isla re the reason that I

need to request a modification ofthe terms of my mortgage loan, short sale or deed-in-lieu of foreclosure.2' I u nderstand that the Servicer, the U.5. Department of the Treasury, or their agents may investigate the accuracy of my

statements and may require me to provide supporting documentation. I also understand that knowlngly submitting ialseinformation may violate Federar raw.

3 l understand the Servicerwill pull a current credit report on all borrowers obligated on the Note.4. I understand that if I have intentionally defaulted on my existing mortgage, engaged in fraud or misrepresented any

fact(s) in connection with this document, the Servicer may cancel any Agreemini under Making Home Affordable andmay pursue foreclosure on my home.

5' That my property is owner-occupied; I intend to reside in this property for the next twelve months; I have not receiveda condemnation noticej and there has been no change in the ownership ofthe Property since I signed the documentsfor the mortgage thai I wanr to modifu.

6. I am willing to provide all requested documents and to respond to all Servicer questions in a tlmely manner,/. I understand that the Servicer will use the information in this document to evaluate my eligibility for a loan modification

or short sale or deed-inlieu offoreclosure, but the Servicer is not obligated to offer me asiistance based solely onthe statements in this document.

8. I am willing to com mit to credit counseling if it is determined that my financial hardship is related to excessjve debt,9. I understand that the Servicer will collect and record personal information, including, but not limiteq ro, my name,

address, telephone number, social security number, credit score, income, payment history, government monitoringinformation, and information about account balances and activity. I understa nd and consent to the d isclosu re of mypersonal information and the terms of any Making Home Affordable Agreement by Servicer to (a) the U.S. Departmentof the Treasury, (b) Fannie Mae and Freddie Mac in connection with their responsibilities under the HomeownerAffordability and Stability Plan; (c) any investor, insurer, guarantor or servicer that owns, insures, guarantees or servicesmy first lien or subordlnate lien (if applicable) mortgage loan(s); (d) companies that perform support services inconjunction with Making Home Affordable;and (e) any HUD-certified housing counselor.

Borrower Sionature L_/d LC

Co-Borrower Siqnature [-\ ^ +^

Be advised that bysigning this documentyou understand thatany documents and information you submit to your servicer in connection with theMakingHomeAffordable Program are under penalty of peiury. Any mlsstatement of rnaterial fact made in the comp etion ofthese documents including but noilimited to misstatement regarding your occupancy in your home, hardship circumstances, and/or lncome, expenses, or as5et5 will subject you to-potentialcriminai investigatlon and prosecution for the following cr'mes: peiur, {"lse statements, rnail liaud, and wire fraud. The information contained in thesedocuments is subject to examination and verification. Any potential misrepresentation will be referred to the appropriate lawenforcement authority for investigation and prosecution. By signing this document you cert i fy, represent and agree that:"U1der penalty of perjury, al l documents and information I have provided to Lender in connection with the Mali ing HomeAffordable Program, including the documents and information regarding nry el igibi l i ty for the program, are true and correctj 'lf you are aware of fraud, waste, abuse, mismanagement or misrepresentations affiliated with theTroubled Asset Relief Program,nla:qo 'n nta't tho <tffffftp Hotline by calling 1-877-SlG-2009 (toll-free) ,202-622-4559 (fax), or www.sigtarp.gov, Mail can besentto Hotl ine Off ice of the Special Inspector GeneralforTroubled Asset Relief Prooram 1B0i L St. NWWJshing1on,DC20220.

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Your mortgage servicerborrower. You can f ind

PROOF OF INC:OME CHECKLIST

needs the documents l isted below to ver i fy the income of eachthe cor rec t mai l in rg address or fax number to submi t your

documents on the contact your Mortgage servicer page.

For each borrower who receives a salary or hourly wages:

' Copy of your two most recent pay stubs that show year-to-date earnings.

For each borrower who is self-employed:

Most recent quarter ly or year-to--da,te prof i t / loss statement.

For each borrower who has income such a:s social security, disabi l i ty or death benefi ts,pension, adoption assistance, publ ic assist"ance, or unemployment:

Copy of benef i ts statement or let ' ter f rom the provider that states the amount,f requency and durat ion o f the benef i t , o rTwo most recent bank statements showing receipt of such payment.

For each borrower who is relyfrng on al imony or chi ld support as qual i fying income*:

Copy of divorce or other court decree; or separat ion agreement or other wri t tenagreement f i led wi th the cour t that s ta tes the amount and per iod o f t ime overwhich i t w i l l be rece ived, orTwo most recent bank statement showing receipt of such payment.

" You are not requ i red to d isc lose Chi ld Suppor t , A l imony or Separat ion Main tenanceincome, un less you choose to have i t cons idered by your serv icer .

For borrowers who are current on their mortgage payments:

. 'Cop ies

o f the most recent ly f i led ancJ s igned federa l tax re turn wi th a l l schedules,i nc lud ing schedu le E -supp lemen ta l I ncome and Loss .

[ f you have o ther types o f income, cannot locate the requ i red documents , or havequest ions about the paperwork requ i red, p lease ca l l I -BBB-995 HOPE and ask for MHAHELP.