Axia Financial, LLC

Client Funds Commitment Structure

Step 1 – Case Is Built – Field Review
Client’s budget and hardship information is reviewed for candidacy by the affiliate. This step
constitutes the ‘Field Review’.

Step 2 – Processing - Committee Review

Client’s file is reviewed a second time internally by the Axia processing team before forwarding it to
our Mitigation Department.

Step 3 - Mitigation Department Review

The client’s file is reviewed three (3) additional times by the mitigation manager, processing manager
and processor.

The determination is made regarding whether the client is a candidate for a modification and if the
modification is eligible for a Phase I of Phase II guarantee.

The client will be notified and the guarantee agreement will be executed with the package.
Step 4 – Full Package is Collected by Affiliate from Client
• Full package is collected with:
o Financial Documentation
o Hardship Letter
o Signed Authorization
o Disclosures
• Funds are Collected

Step 5 – Mitigation Processor Review

Entire file is reviewed and any additional documentation needed is collected. The file has passed final
quality control and the “Authorization to Represent” is sent to lender.

Step 6 – “Authorization to Represent” has been Accepted

A total of seven (7) case reviews have been done to insure the clients that are being served truly have
winnable cases.

Step 7 - Forensic analysis and mitigation processes have been initiated with the lender.

I have read and understand the process:

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Borrower Signature Date

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Co-borrower Signature Date