4 Wells Fargo Home Mortgage ... WFHM... Affidavit Processing Training ... and ... PaP Workbook - Ancilliary Documents Which Correlate To... Attorney Procedure Manual

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WFHM Affidavit Processing Training.

Module 1: Course Overvfew
Course Description
This training course is designed to meet the goals that Wells Fargo MO.rtgage has set forth to
execute Judgment affidavits for court Illing in tHe state of New Jersey. this course is designed to train
the Reviewer/Signer of judgment affidavits the process in which Wells Fargo will receive, review, sign,
and notarize the affidavits. While there are currently seven main roles In the judgment
process: document preparer, reviewer/signer, exceptions processor,.notary, quality controller,
shipping and Imaging processor, and team lead, the focus of this training will be on the reviewer/signer
role with a high-level overview of the other roles In the process: Job aids have been provided for details
on the document preparer, reviewer/signer, exception nolary, quality controller, shipping
and imaging processor and team lead roles. Although itil;lnstructor-";ad training module Is focused'on
the reviewer/signer role, all Individuals Involved In the process .are expected to attend this training,
regardless. of role, to gain foundational knowledge of the judgment affidavit process, the Importance-of
the reViewer/signer role-and the responsibilities of the reviewer/signer role, as all other roles In the .
process are In support of the reviewer/signer.
It Is Important to note that a Judgment affidaVit Is a legal document submlttea to a courtllf law. The In
depth details of a judgment affidavit will be explored In this course. When a Wells .Fargo team member
signs the document In the presence 'of a notary, the documentls filed with the court and can be used In
court proceedings relating to a foreclosure.
"'NOTE: The signer (Affiant) may be asked to appear In a legal proceeding (deposition) If there are any
disputes as to the accuracy or validity of the affidavit they have executed.
PAP: For PAP process information, refer to the CORE PAP Workbook>lntroduction.
Course Objectives
The overall objectives of this course Include:
List your role responsibilities; Explain the Importante'ofyaur role to our customers, Wells Fargo,
the courts, and our Shareholders.
Explain the purpose and design of the judgment affidavit process.
Correctly discern judgment affidavits from other executables 100% of the time. .
Place affidavits that are In old New Jersey templates Into the approved No,:" Jersey state
template with 100% accuracy.
Review affidavits, correctly Identifying exceptions 100% of the time.
Correctly sign affidavits 100% of the time.
Correctly notate MSP when the Ille has been signed.
wFHM Affidavit Processing Training - Module 1
For Internal Use Only
WF309
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WFHM Affidavit Processing Training.
Module 1: Course Overvfew
Course Description
This training course is designed to meet the goals that Wells Fargo MO.rtgage has set forth to
execute Judgment affidavits for court Illing in tHe state of New Jersey. this course is designed to train
the Reviewer/Signer of judgment affidavits the process in which Wells Fargo will receive, review, sign,
and notarize the affidavits. While there are currently seven main roles In the judgment
process: document preparer, reviewer/signer, exceptions processor,.notary, quality controller,
shipping and Imaging processor, and team lead, the focus of this training will be on the reviewer/signer
role with a high-level overview of the other roles In the process: Job aids have been provided for details
on the document preparer, reviewer/signer, exception nolary, quality controller, shipping
and imaging processor and team lead roles. Although itil;lnstructor-";ad training module Is focused'on
the reviewer/signer role, all Individuals Involved In the process .are expected to attend this training,
regardless. of role, to gain foundational knowledge of the judgment affidavit process, the Importance-of
the reViewer/signer role-and the responsibilities of the reviewer/signer role, as all other roles In the .
process are In support of the reviewer/signer.
It Is Important to note that a Judgment affidaVit Is a legal document submlttea to a courtllf law. The In
depth details of a judgment affidavit will be explored In this course. When a Wells .Fargo team member
signs the document In the presence 'of a notary, the documentls filed with the court and can be used In
court proceedings relating to a foreclosure.
"'NOTE: The signer (Affiant) may be asked to appear In a legal proceeding (deposition) If there are any
disputes as to the accuracy or validity of the affidavit they have executed.
PAP: For PAP process information, refer to the CORE PAP Workbook>lntroduction.
Course Objectives
The overall objectives of this course Include:
List your role responsibilities; Explain the Importante'ofyaur role to our customers, Wells Fargo,
the courts, and our Shareholders.
Explain the purpose and design of the judgment affidavit process.
Correctly discern judgment affidavits from other executables 100% of the time. .
Place affidavits that are In old New Jersey templates Into the approved No,:" Jersey state
template with 100% accuracy.
Review affidavits, correctly Identifying exceptions 100% of the time.
Correctly sign affidavits 100% of the time.
Correctly notate MSP when the Ille has been signed.
wFHM Affidavit Processing Training - Module 1
WF309
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WFHM AffidilVit Processing Traif!i(lg
m: For PAP process Information refer to the CORE PAP workbook Module 1: Course OVerview
>Course ObJectives.
Course Design
This course consists of 6 modules. Throughout these modules, you will be provided with activities and
guided It Is also Important to note that ,hroughout the participant guides for each module,
there are Important references to Job aids tliat you will need to perform your role to Wells Fargo
compliance stardards.
Module 1: Overview
Module 2: My Role and Responsibilities
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Module 3: Dissecting a Judgment Affidavit and Beginning your process
Moduie 4: Reviewing Affidavits and Handling Exceptions
Module 5: Signing, and Handing-Off the Affidavit
Module 6: ConclusIon
The total duration of the course w1l1 be approximately two days.
Participant Expectations
As a participant that attends the training sessions, you will be expected to be able to meet allof the
learning objectives stated earlier. In addition, throughout the course curriculum, you w111 be asked to
complete and/or participate In activities that will provide hands on experience and test knowledge
retention. At the end of the course ail participants will be required to complete' a Web Based Training
(WBT) Module that Includes an assessment and pass with a score of 100r.. '
"'Every participant w111 sign an acknowledgment statement to verify that they have completed and
participated In the New Jersey Judgment Affidavit Training and understood all processes, procedures,
and materials within the training. This statement will be held In your Wells Fargo personnel desk file.
Exit Interview
A Senior level Manager will conduct an exit interview you at the of this course to access
the knowledge attained before you are permitted to review and sign Judgment'affldavits.
WFHM Affidavit Processing TrainIng - Module 1
For Intemal Use Only
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WFHM Affidavit Processing Training
Module 2: My Role and Responsibilities
Introduction ,
The role of the reviewer/signerls to review and sign judgment affidavits, The document preparer,
exceptions processor, notary, quality controller, shipping and imaging processor, and team lead
will all support the reviewer/signer in their role, It is important for everyone to have an in depth
understanding of their job responsibilities In the process. To get you started with this
understanding, we will explore in this module, four key concepts:
What is a judgment affidavit
The judgment affidayit process
Your respqnsibililies and why the"y are importa,i11
, Tools you will use in'the process '
After this module, you should be able to:
ExplaJn what the reviewer/signer IS,attesting to whE\n they,sign ajutjgment affidavit
List your role and responsibilities in the judgment affidavit
Explain the importance of your roie our custorT)ers, Wells Fargo; the courts, aner our'
Shareholders , . ," , .'
Explain the purpose and design of the judgmemt affidavit process
What is a Judgment Affidavit
What Is an affidavit?
As defined by Wells Fargo, an affidavit is a'swom statement in writing, usually requiring
notarization. Notarization refers to the legal authef]tication of the signature' in a written
document. ' "
Other common definitions include:
Wikll!edla
"An' affidavit is a formal swom statement of signed by the author, whd is 'called the
affiant or deponent, and witnessed as to the authenticity of the affiant's signature by a
taker of oaths, stich as a nolary publiC or.'cOllunissioner of oaths, The name is Medieval
, , ,Latin for he has declared upon oath. An affidavit is a type of verified statement or
showing, or in other words, it contains verification, meaning it is under oath or penalty of
perjury and this serves as evidence to its veracity and is required for court proceedings,'
Miriam Webster Dictionary
'a sworn statement in writing made especially under oath or on affirmation before an
authorized magistrate or officer" '
WFHM AffidavitProcessingTraining- Module 2
For internal Use Only
Pagel
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WFHM Affidavit Processing Training ,
, ActivitY: Affidavit True or False
Directions: statements regarding what an ,affidavit is will be displayed. Determine If it Is
a true or false statement 8e prepared to explain why it Is true or false. Use the space
below to take notes: "

What Is an affidavit used jor?
You will be working with Judgment affidavits used in the foreclosure process, The
reviewer/signer Will be reviewing and signing these affidavitsas a representative of Wells 'Fargo
(In some Instances. Wachovia). When !lie reviewer/signer executes (signs) the affidavit they are
stating under oath that the Information in the document is fact (accurate and true) to the coull
What exactly is a judBmerrt affidavit?
Judgment'affidavits are' a sub-set of documents that are executed (signed) during the
foreclosure process to prove that a borrower,ls in default. These documents include things like
the reason for the the date the default began, a summary, or detailed account of the
amount of default or other Information about the loan or the mortgaged property,
A judgment affidavit typically includes information about the borrowers debt in support of the
requested foreclosure proceeding, In many states in which the foreclosure action is a judicial or
'quasi' judicial proceeding, this document must be sworn under penalty of perjury and submitted
to a court or to a clerk of coull This document must be executed in states In which the
foreclosure Is handled as a civil lawsuit and conducted under the oversight of tl)e coull
There are currently 23 states that require judgment, affidavits to be with the court during
foreclosure, these are known as Judicial process states:
CT, DE, Fl, lA, Il, IN, KS, KY, LA, MD, ME, NO, NJ, NM, NY" OH, OK, PA, PR, SC, SO,
VT,WI
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These states the foreclosure proceeding's 10 be handled Ihrough the state's court of law.
There are inslances where a judgment affidavil Will be requir,ed in other slates, If it was found
necessary. In either case, we must file an accurate judgment affidavit with the slate:
The names of these types of affidavits vary from stale-te-state, but some of the common names
are:
Certification of Proof of Amount Due
Certification of Amounts Owing
WFHM Affidavit Processing Training - Module 2
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WFHM Affidavit Processing' Trainijlg'
Affidavit In Support of Motion of Summary Judgment
Affidavit of Prove Up ,
Affidavit of Status of Account and Military Affidavit
Affidavit of Proof of Amou!)t due and'Non-Mllitary ,Sjlrvice
Affidavit of Merit
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Validation of the judgment affidavit must be cOmpleted to ensure the data within !lie,'affidavit Is
accuraie' based on Information contained withl!) Wehs f.argb systems of record. Once the '
affidavit Is validated, signed In the presence of a notary' and notarized the affidavit will be sent to
the attomey to the court.', ,', ':,: ' . '. , .. " . '
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Actiyity: Describe a Judgment Affidavit '.: ,,' .. :
Directions: Take a moment to write down your of what a Judgment
affldavlt.ls. Be prepared to share with class. ,Use'the space below to write down your
definition: ' , .
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PAP:, For PAP Information', refer to 'the CORE PAP workbook Module 2: 'My Role and
Responslblltles >. Judg,ment Affidavit Prpcess,
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Judgment-Affidavit Process
Why was the Judgment Affidavit process designed this way?
Wells F.argo has redesigned the judgment affidavit process to ensure that we are following the
legal guidelines to protect the company and our interest in the property as well as the legal
rights of our customers .. The process' ensures we print the physical materials needed by the
court, address incorrect Information in the affidavit, correctly sign the affidavit, track the process
as nee,ded, and image and ship the documents required.
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WFHM Aiiidavit Processing Training
Your Responsibilities and Why They are Important
Reviewer/Signer Role
First, lers discuss the reviewer/signer role. The reViewer/signer is responsible for:
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Authpri,zed signers:
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Are responsible ,to ensure the accuracy of the affidaVit and validate the data cOntained
therein,
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Must understand the content,of the document and Its purpose,in the foreclosure process,
Should read everything. If,something is unclear pr if there Is, an error, do NOT
slgn/execute'the documenllnstead; reject it for correction and/or clarification.
Should understand the correct signing protocol and the notary requirements In the state
In which you reside. ,
Must read and validate all of the data and statements on the affidaVit against the
approprlate,data f r ~ m the systems of record. '
To do this the reViewer/signer will need:
Access to the affidavit Including any exhibits, the systems of record and the foreclosing
entity Information.
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An affidavit checklist which is required to be completed as the data elements are
reviewed and validated.
Once validated the affidavit must beslgned/executed and sworn In the presence of a notary.
Why Is this important?
Executing the affidavit properly Is important'to the customer, Wells Fargo Home Mortgage, our
shareholders, and to the reviewer/signer personally. If the affidavit Is not accurate and not
properly exeCuted, it could result In Wells Fargo. losing their Interest In the properlY, and incuiring
flnes. As a signer, a civil suit could be brOUght against you. .
PAP: For PAP process Information, refer to the {;ORE PAP workbook Module 2: My Role and
Responslblltles > Your Responsibilities and Why They are Important.
Document Preparer
Why Is this Important?
You are creating the physical file the reviewer/signer will work from. You provide them with a
foundation to do their role.
Exceptions Processor
Why Is this iniportant?
You are ensuring that we have resolved Inaccuracy in the affidavit and providing the supporting
documentation needed to do so, allowing the reviewer/signer to sign an accurate affidavi.l
Notary
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WFHM Affidavit Processing Training',
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The notary is to officially witness signaiures on legal certifYing t9 the
validity of the document arid the signature, In most states, it is reqylred that the Judgment
affidavit be notarized. The notary is responsible for understanding and adhering to any specific
requirements for the document and state the documenfis being notarized In, to ensure the
notarization Is valid.
Why is this important?
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In most states. itls required thatthe judgment affidavit be notarized:lf it is 'not notarized or Is not
notarized correctly, the affidavit can be rejected, causing legal, reputational and monetary rfsk to
,Welfs Fargo. ' , '
Quality.c0ntroller
Why is it important?
It Is Important that alf fifes are reviewed for quality and, that all tracking have, ,
been made to avoid rfsks to the company. You 'heip to ensure that at a high-level the affidavit
looks like it was signed and notarized correctly and that we have alf the supporting
documentation needed,
Shipping and Imaging
Shipping and imaging work together to ensure that all of t!Je documents are appropriately
shipped to the attorney's and imaged for our records.
Why is this important?
The shipping and imaging team ensures we have a record pf a file and that the fifes get to the
appropriate, attorney In a timely m,mner.
Team Lead
There, are three main team iead roles: Document Preparation Team Lead, Reviewer/Signer
Team Lead and Quality Control Team Lead, The leads ensure that they: ,
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Why is this Important?
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WFHM Affiilavit Processing Train!ng .
Team leads direct the flow of work and ensure that files are processed In a timely manner.
Team lea.ds also ensure that tlie workflow been accurately documented in SharePoinl
All Roles'
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All of the roies working together heip us avoid risk. These risks inciude:
1, Regulatory Risk: If processes/steps are not completed, WFHM would be in violation of
slatutes.
2. Operational Risks: If not completed in'a timely manner, It could result In delay or
canceliatlon of hearings and In some cases possibly the.9anceliatlolJ of the foreciosure
action. . .
3. Financial Risks: Untimely and incorrect processing could result In financlai los's to the
company,
4. Customer Service Risks: Internal and External Customer dissatisfaction can result if
. documents are,not compiEilted properly and ina timely manner .. :-,
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Activity: Describe Your Role
Dlrectrons: Take a moment to write down some important points you learned about your
role in the module. Be prepared to share with the Use the space below to write
down yC?ur points and nbtes from the activity:

PAP: For PAP process Information, refer to the CORE PAP workbook Module 2: My Role and ,
Responsibilities> Tools You Will Use in the Process
Tools You Will Use in the Process
Now that you have an understanding of the process and "the roles- involved in the process,
highlight some of the tools you will use to complete the process.
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an copy
where each file is In the process, who performed
For In!ernal Use Only
roie in the and in the
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process.
System of Record
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To ensure that the affidavit Is for a loan In active
foreclosure, not past Judgment or sale, and to
ensure the Information In the affidavit Is correcl
The systems of record Welis Fargo
These systems contain ali of the current Information
currently USeS for servicing mortgages
about each loan and are used to track and manage
are MSP (aka Fidelity, LPS or CPI),
each loan.
Vendorscape and the Investor Matrix.
MSP Used to track and manage each loan.
Vendorscape Used to Il')anage the Foreclosure process, Including
communications with attorneys. Houses some of
the same, but not ali of, the Information in MSP.
Investor Matrix Used to track Investor of loans.
Job Aids'. Used to help. you complete common steps in the
process.
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WF319
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Module 3: Dlssectlng!l Judgment Affidavit and Beginning Your Review Process
Introduction
This module will provide an In depth examination of a New Jersey judgment affidavit. In New
Jersey, there are two parts to the Judgment-affidavit; the certificate of of am6unt due and
the statement:of amount due. to have a clear and In depth understanding of
both of these do'cumimts. 'In:thls,module we will explore key concepts:
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What does a judgment affidavit look'like and how do IlderrtltY It?
Common Ne:-v Jersey state template. components (data elements).
Handling other affldavlts.incorre,ctly placed In your-proce,ssing Inventory.
Placing Information Into the approved New Jersey state standard template Ifan old
by an attorney, ' ,
ill: For PAP'process Informatlon"refer to the CORE PAPWorkbook Module 3: Dissecting a
Judgment Affidavit and Beginning Your Review Process>lntroductlon
Upon the completion of this modull!, you should be able to:
Correctly discern judgment affidavits from other executables 100% of the time
Identify common components 'of a'judgment affidavit
Place affidavits that are in old New Jersey templates Into the approved,New Jersey
template with 100% accuracy
What does a judgment affidavit look like? How do 1 identity the judgment
affidavit?
The New Jersey judgment affidavits that you will receive from the doc prep team may be in
several different templates depending on the law firm that prepared It.
In order to ensure you are looking at a judgment affidaVit, look for the follqwlng language and
data elements:
1. The judgment affidavit cc,lUld'lnciude but not be limlted'to language as "judgment,"
"certification of proof of amount due;" "summary Judgment," "affidavit of proof,"
"amounts due and owing", "affidavit of or "affidavit of merit" on the first
page of the affidavit.
WF320
VS.
<<MORTLFIRS'Dt MQRTUASTh. Er
AI..
. DEFENDANr (S)
. Langoage that verifieS the'
dp'c Is a judgment affidavIt
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I. I am cmploycd by
SUPERlORCOURT OFNEW JERSEY
CHANCERY.DIVISION
COUNTY COUNTY
DOCl{ETNO: F-<cOOCKETh

UNTDUE
of full age, bereby certifies:
asa
_______ SaidcompllllYis
O' ilmottgageservichlg CQIllpllllY amhodzed to se.tv.il:o lIIld handle mortgage
2. The New Jersey Judgment affidavit Includes a statement of amounts due, which
contains a breakdown of the what the borrower owes. This Includes, but Is not limited
to principal balance, 'Interest, late charges, taxes, corporate advances and Insurance.
WF321
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\statement Amounts. Due
AMOUNTDUESCHEDm..B
NorEANDMORTGAGl! DATI!D
Remrdedon ___ Qllmly.lnBook_atPage ___ -,
____________________________ _
___ ____________ ___
STAIEMl!N'tOF AMOUNT DUl!:
Unpaldl'rlndpalBalanceasof ______ $,..-___ _
!n!ereslfrom to 5, _______ --:_
---,>peryear;$ perdayx ____ .days)
LaleCharg6from 10-:-::-___
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HomeOwnersfnrurancePtem1ums$ ____ _
___ -,--_
1nspedIn""s ____ _
Wlnterlz!ng/Seou:fnS:--__ _
Sub-TotalofAdvaru:esS. ____ ,-

-"--;-r
NetAdvance.$ $_--..,. ____ _
1nterestonadvancesfrom to ______ $.--' ______ _
Othercharges("lJI'dly)S. _____ _
TOTALDUEASOF ___ ..,-____ S ___ __
.... l"U_ .... and .. l!s&al ... ......
thaa......w>nysUlj>1us""."Y.tha=ywlll .. deposltodlntothoSa.l'!!rlarCotut'll:ustFunaand
"'i'P."onclz!naogu..sutpl11S.or""l'l'utll=l. ...

ofthosutplusm"",,),. __
SUlj>hu.lI""l'.
Activity: Judgment Affidavit True or False?
Sample documents will be displayed. Determine if the document displayed Is an affidavit
document. Be prepared to explain whythe document Is or Is not a judgment affidavit. Use the space
below to take notes:

WF322'

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Data Elements ofthe New Jersey affidavit state template
Now that we know how to Identify a Judgment affidavit, let's look at the components or data
elements of the affidavit. For each state, a standard Judgment affidavit template has been
created l o ~ g with a checklist of data elements. let's.take a look at the standard template for
New Jersey and the data elements (components) within the Judgment affidavit.
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FOrlclOS\l!eAlllillVitSlgnels CheckJIsI
IIMvJalSey
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to. _____ _
Dolo._____ _
Plalntl!! (Vesting Info/Foreclosure Entity)
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This section of!he judgment affidavit states who the plaintiff In court action Is .
The Plalntlff'ls the term used In some jurlsdlqtlons for the party who initiates a lawsuit (also
known as an action) before a court. By dolng'sci; the plaintiff seeks a legal rell)edy In the
foreclosure action, and If successful, the court wi!llssue judgment In favor oIthe plaintiff and
make the appropriate court order (e.g., an order for damages).' .
The plaintiff Is typically the Investor of the loan and whom once the foreclosure Is completed
the name that will be on title of the property. This. Information Is listed on the top left hand
side of the document.
Figure 1: Pialntiff Section of Affidavit

PLAlNllFF . ,

VS. VestlnglForeclosure Entity
. MORT1]1RST <iMORT1_LASTh. ET
AL.
DEFENDANT(S)
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SUPERIORCOURTOFNEWJERSEY
CHANCERYDlViSJON '
<<COUNTY COUNTY
DOCKETNO: F-;<dJOCKET
CIVlLAClION

AMOUNT DUE
Section 2: Defendant (Borrower's Name)
This section of the judgment affidavit, states who the defendant in the foreclosure court action
Is. A defendant Is any party who Is required to answer the c,?mplalnt of a plaintiff In a civil
lawsuit (foreclosure) before a court. In the case of a foreclosure, the defendant Is the
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mortgagor(s) or borrower(s) listed on the note and/or deed and anyone on the title to the
property.
One of the defendants should match the borrower found In our system of record.
Figure 2: Defendant Section of Affidavit
Borrower's Name
Signers Name and Title
SlJPERIORCOURTOFNEW JERSE'l
CHANCERYDMSION
<,:X;lUNTYl> COUNTY
DOCKETNO: F-DOCKE'l "
CIVn.ACllON "
"CER:1lFICA'IlON OF PROOF OF
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this section of the Judgment affidavit statesthe"name and title ofthe RevIewer/Signer "
affidavit. As the affiant, you should print your name on the line as It appears in your officershlp.
You will fIll In your title as "Vice PresIdent" or "AssIstant Vice President" of loan documentation.
Figure 3: Signers Name and Title""

DEFENDANT (S)
I J.'-d'Ua.v .... v.&. .z J.v,..rv" v",
AMOUNT DUE "

1! servire lIIldhandl. mortgage
Company Information
This section should state the company that Is servicing the loan (successor) for the stated
Investor (plaintiff). In some cases We!"l. Fargo servicing the loan In the name of Am.erIca's
Servicing Company or Wachovla.
Figure 4: Company Information
o l!mortgagc.sexvici:ng tompmy authorized to ser\'ke lIIld handle mortgage
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PAP: For PAP process Information, refer to the CORE PAP Module 3:
Dissecting a Judgment Affidavit and Beginning Your Review Process>. Common'
components (data elements) of the New Jersey affidaVit state template>Section 5:
Co.mpany Information.
or Plalntlif. Selection
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These paragraphs Indicate whether the company stilted In Section 4' Is the servicer of the
plaintiff or the plaintiff Itself. If the compaiiy Is the serilcer, It attests that you are authorized to
handle mortgage transactions on behalf of the plaintiff Involving debtors names I the
complaint. If the company Is plaintiff, It states you have the authority tomake this affidavit
on the plaintiff's behalf. The attorney will select the appropriate checkbox, but It Is your Job to
verify the correct selection' was made. ' . . i .
Figure 5: Servlcer.or Plalnt/ffSe'e.ctlon
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1. J amem,ptoyed by
__ ________
!!f!lortgagesetYicing company antbotized to service and handle mortgage
make this
in the
tcompany's
"
.. thori1ylo
Asplaintifi'snpresentllive.lhave
the authority to mske 1his on bebalfoftheplitintii!
Affiant Statement
This paragraph In the Judgment affidavit states that you are authorized to review the affidavit
for the plaintiff and that you are swearing under oath and In the presence ofa notary that all
figures and statementS within the affidavit are true and fall within the gUidelines of business
practiCeS,. policies, and procedures of Wells fargo.
Further, this paragraph states that you have personally reviewed the affidavit and
to its accuracy.
"Note: This means that the af!ldavit is a legal document and you can be deposed to verify
Its accuracy. .
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Figure 6: A/flantStatement
2.
b1lSiness m:ords, including loan docnmcnts and loan aa:ount records, mainlBinod.
by ____ ..... Theserecords (which include daIa compilations, eItctronicaJly
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imagedd6cuJntnts, and otIuon;):are made at.ornear.tbc tinw by. orfrominformation
l!!:ovided by, PeIllOns wi!hknowlodgc oftbeactiYi1y and transactil>nS rclIcctedin. such
'(e(Xlrds, and are made and lrepl in.1hc oomse ci'b1lSiness llctivilycondncted rego1arly by
_____ -'. It Isthete.,"l!larpractice ot' ____ sbusiness to make
In connedion with making this affidavit, I havCllcqnired personal
knowledge of the stared herein bypersonaUy "".mining _____ s
b!!sin= rerords oonceming the note and mortgage loan described in the Complaint.
Paragraphs 3 and 4 .
Paragraph 3 affirms that the property cannot be d!vlded.up sale ana must be sold as a single
tract Paragraph 4 that there are no other credits or debits that are due besides the amounts
stated In the Judgment affidavit.
Figure 7: Paragraphs 3 and 4
3. Uponinfonnation and beHO!; thopropertydcsttibed in thoComplamt filed
in this cause cannot be divided and should be sold as a singlctracl
4. TherolltCnajustdebls. set-oflS.crcdils orallowances dneorto become
due from theplaintifitothe defendants, other than those set fotthherein.
Note Holder
This paragraph affirms that the plaintiff is the holder of the note. You must verify this checking the
chain of title In our systems of record. (Instructions for doing this are In Module 4:)
Figure 8: Note Holder
5. Plaiutiff is the holder ot'Ihe aforesaid obligation and mortgage.
Statement of Amounts Due Attached
WF327

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paragraph: 6 of the New Jers'ey Judgment affidavit States that the plaintiff Is'owed the amount
listed In the Statement of Account. You must verify that this document'ls attached to the"
affidavit ami then you must validate each'data element on It: " ,
. . . ,', . . '.
Figure 9:-Statement of Amijlints Due Attached
. '6. ' due lo'd!&lll3lntifrptlrSUIIIlIW the_ of'the
,
. You must validate each data.
,1:llement on,the Statement of
Amo,t.\nts Due. "
Per DIem Amount and Good Through Date
This paragraph states the amount oflnterest that will accrue on the loan each day
(per diem amount) from the date the judgment figures were run (good through date). The
values for these data elements shQuld match our systems ,of record.
, Figure :1.0: Per Diem and Good Through Date
7.
(da!Io):
"-
Per dlemlDrerestin the amount of.;,::':"lj' wUhcaue an thepm"':tlftom
- ,
PerPlem AmQunr
Good Through DOIt9
Paragraphs 8 and 9
says you understand that the courts,will rely on the Information contained In
this affidavit In order to a determination about foreclasure action ..
Paragraph'9 that you. certify that the statements In the judgment alfldavlt are true and
that you understand that If any of the are willfully false, that you
are subject to punlsh'"!1ent: '
Flgure':1.l: Paragraphs 8 and'9
3. I undeIstand that1hc court will rclyupon this CertifiCation in snpport of
the pIaintm's"PPlicationfor a Coreclo= jndgmenlJn the within 3CtiOn.
9. I hereby ctrtil'y that the foregoing stalemerus made by me arc true and I
am aware that ifany statements made by me are willfn1lytlllse, I am
subject to punisbment
Statement.of Amounts Due Data Elements
",
WF328
As we discussed earlier, the statement of amounts due lists out fees Incurred by the defendant
that Wells Is legally claiming they are owed the claim (law suit). The figures
In the fee block are called "judgment flgures/' There Is an appllca\lon that automatically
the Judgment figures for a loan, based on the loan data within our syStems. The attorney should be .
using these figures, housed In our systems of records (Vendorscape and MSP) when they draft and ' .
submIt the fee block In the affidavit. It Is Important that you are verifying these figures are correct
and currently outstanding. When you sign the Judgment affidavit, you are legally bound to the
accuracy of these figures.
Each of the figures In the fee block will need to be verified against the Judgment figures found
In our systems of record
. , '; : .
Figure 1.2: Statement at AmountsDue Data Elements
AMo'dJ.'lTDUESCHEDUU
NOIEANDMORICAGEOA"fED :'1'
RecotdCMlon atl"age

Mortll"ll'Holdoc iii!ii
.
Unp>ldl'Dndp>lBahrunasOl Jl $ ',$r
lnt""'&om to $ "'I--iil.
(In''''''' .... -_%per,...' ___
'LatcChl.rgcshom to
cs hnQ-lC mot)S
Adv .. ""throup fer.

. . s ___ _
1. Note and Mortgage Dated - The date the borrower signed the no1;e and the mortgage.
2. Recording Information - The date and county where the Mortgage/Deed of Trust was
recorded; also Includes Book and Page number In which the Mortgage/Deed ofTrust
was recorded.
3. Property Address - The address of the property being foreclosed on.
4. Mortgage Holder - Vestlng/Forecloure Entity and Company Information
5. Good Thru Date and Total Amount -Indicates the date that these figures are good for
and the total amount being claimed.
6. Unpaid Principal Balance - The remaining balance on the loan excluding interest .
. 7. Interest - money paid at a certain percentage rate forthe !Jse of anothers funds to
purchase the property, usually expressed as an annual percentage. For fixed rate
mortgages, you will see a "ITom" and "to" date listed, along with percentage rate of the
interest. The "from" date should be the due date (date the loan payment beC<!me .due)
minus one month, given how billing works. The "to" date should be the same as your
good through date.
WF329 .

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8. Late Charges -late cha'rges Incurred due to lack of timely payments prior to the date
the demand letter was sent.
9. Real Estate Taxes - Any funds that Wells fargo has paid on behalf of the customer to
local tax authorities to maintain our Interest In the property.
, 10: Homeowner's Insurance' Premium - Any hazard Insurance money, that Wells fargo has
disbursed on beh,alf of the borrower to maintain the Insurance on the property., .
11. Mortgage Insurance Premium. Wells fargo continues to make payments on Insurance
premiums once the loan Is In default. This figure Is the amount that may be recoverable
from the Insurance company/premium.
12. Inspections -If a p.roperty Inspection has been conducted by our Vendor, these are the .
costs associated with that.lnspectlon. This field also Includes any costs relatedtq .
preservation (up keep) of the like lawn care.
13. Winterizing/Securing -If a propertY, Inspection been conducted by
these are the costs associated with tliat Inspection. This field also Includes any costs
related to preservation (up keep) ofthe property, like lawn care.
': .
14. Sub-total of Advances - The subtptal of advances on the New Jersey of
Account Is the sum of the Real Estate Taxes, Home Owners Insurance Premiums,
Mortgage InsurancePremlum, Inspections, and Winterizing/Securing Items. .'
lS .. Less Escrow Monies -Funds that have been.recelvea fromthe borrower OR an ,
source that have no.t yet been applied towards the property taxes, hazard
Insurance, mortgage Insurance a.nd/or HOA dues, The escroW balance should be
subtracted from the total amount.
16. Net Advances - The Net Advances Amount Is the of Advances minus Less
Escrow Monies (escrow advance).
17. Interest on Advances From and To Dates I Amount - The Interest on Advances amount
will alwayS' be $0.00, as WFHM 'does not charge Interest on advances. Therefore, t?e
Interest on Advances From and To dates do not need to. be validated.
lS', Other Charges- This can Include other amounts that are due on the loan such as
Inspections that occurred prior to foreclosure and other returned tees, etc.
19, Total Due- Total ofall the lines above; the amount we are seeking judgment against the
borrowers.
" .
Note: Some Judgment figures on the fee Block may be itel)1ized by the attorney. When the
figure has been itemized, you will see .. breakdown of each fee, advance, and disbursement,
and when It occurred listed under the total. Most often you will see this for homeowner's
Insurances, real estate taxes, mortgage Insurance premiums, inspections, wlnterlzlng/securl!1g, .
and, other.
WF330
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TAX DISBURSEMENTS 2,404.11
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m: For PAP process Information, refer to the CORE PAP Workbook Module" 3: Dissecting a
Judgment I\ffldavlt and Beginning Your Process> Common components.(data elements)
of the New Jersey affidavit state template> Section 7: Fee Block Data Elements
Execution OJ Affidavit
This Is the section where you will execute or sign the affidavit. The signing of the affidavit has
to take place In the presence of a notary .
. Note: Notary will ask you read'a dally affidavit certification statement aloud: I,
certify that on Iflli'liitl reviewed and slgned:the attached list of affidavits. I
further affirm that I followed all procedures and proCesses as outllnea,ln the Wells Fargo
Home MortKage Foreclosure Policy Manual and the training I received.
Figure 1.9 - Sectlan 9: Execution of Affidavit
______ ____________ ___
Notary Affirmation
The notary Is then responsible for notarizing the affidavit In this section of the document by
completing the statement and notarizing the document:
'1bc:toreloin& tn'bummt lYolS "1lm,lo bton:!nlltbiJ chJ of Januury
YOllrllamo ."",bp"".,IIyl>= .. to=,
,.
Verify tho TyptNum Hue: _______________ _
YClJr Is 2011
NOTARY PUBLlC, State ol' ________ _
MyccD:nili.doD apiru: ____________ _
WF331
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Activity: Matching
DirectIons: Match the definItIons wIth the'components and/or screenshots
Affidavit Component Definition '
Plaintiff
Defendant
State and County of
Signer.
Signers Name and Title
Company Informat!on
Affiant Statement
Fee Block
Execution qf Affidavit
Notary Affirmation
Activity: Crossword
a. company that is servicing the loan for the stated Investor
'(successor) .
b. lists out fees Incurred by the defendant that Wells Is
legally claiming they are owed In the clalin (law suit)
c.
2. Amznt b aumcrind to:nU1 thb" hlSd:avit on be:halCofthalbimitt. In 1hI: rtt}llupttfomatlet job
f\Inttiom.l am f2mi1iu blllineareemds m:zinWatdby tar !he. pmpDS6
loam, 'IhtterttOnh (Vlbkhlneh1de cbta eotcpillfiom, doeamtll1S, md otbua) m mid.
at by. or tlwnintcrm;;lionpzu\ided by,pmom \\itbJcnowltdp otlbudiYity andtmmttlons
reflected in SIlchmotih. in ;ctMtr-eotldudtdngUIm,-bJo
is the tegnlu pradke otWdls mvidng businw to Mt 1hm ltcmdL In COzmectiOD v.iIh
nWcinslhis d1kb rito 1 h .... e ItqcIttdpasonalJalowltilg: otlll! maUm mad heuiz:I by pusomlo/
these blnlnWRItdL J. cop)'otnldbwicmrecord(s)bfut att.ched..
d. section where YOll will execute or sign the affidavit
e.
I. A:mlnl Is
AJ. JtrYtcu. Faqo b tuPOlUible lor !he otthblclm tntuutlcn Irld pti:su!t ofllly de'
MJI:I)'DWItl.
f. any party who Is required to answer the complaint of a
plaintiff or pursuer In.a civil lawsuit (foreclosure) before a
court.
g.
h. party who Initiates a lawsuit (also known as an action)
before, a cburt.
I. state and county the Signer Is pliysically located ,In
WF332
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Fee Blocl{ Figures
r-
-
.
r-
:-
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..
- -
I' I
, I
I I I
r- r- 'I
I-
r- r- r- r-
r- r-

I I II I I II I I I I I
L-
r-
L-
r- r-
L-
,
I I I I I
I' I I I I I I I I I I I I I I I I I I I I I I I I I I
' I' I I I I II I
1
10
I I I I I I I I I II II I I I
-
ACROSS
3 Indicates the date that these figures are good thru
6 .Any funds that Wens Fargo has paid on behalf of the customer to local tax authorities to
maintain our interest in the property. .
7 Private Mortgage Insurance or Mortgage Insurance Premium;Tbis figure is the amount
that may be recoverable from the insurance company/premium.
8 .Any hazard insurance money that WeDs Fargo has disbursed on behalf of the borrower.
to maintain the insurance on the property.
9 The remaining balance on the loan excluding interest
10 Amount which are funds received from the customer, displayed as a negative number.
. . . .
#10 HInt: This can be used for payment towards fees dealing wIth Escrow.
Down
llf a property Inspection has been conducted by our Vendor, these are the costs associated
with that InspectIon
2 Money paid at a certain percentage rate for the use of another's funds to purchase the
property, usually expressed as an annual percentage
WF333
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4 This can Include other amounts that are d\le on the loan such as fees for Inspectlon$ that
occurred prior to foreclosure, returned Items, etc"
5 Amount we are seeking Judgment against the borrowers
. . .. . .' " :. :.".: .:\::.: : ": .
" , :.:....... ':".. :";: ,;," :: l. ,
. Handling Non Mfidavits or
Suspended ....... : .... :... .' ..; '" I .... : .' :
.. -' ".' ' , ',,',. :,.':" .
'< ''''', ..', f .:,'. ." .. ",' ":.', " .:_
There are a few scenarios ii\iJhic)1"th'';
. .. ,'":. . .. :."'" . . ... .:. ",:' '.
1, The document Is :', :. ,." . '", '.: ,: '.;:. :." ,;-;'"""" "' '
J t!. , t '; .. ; " :', ,',; : :",. :.: '. "
2, The afflqavlt Is for a gr.for jiJdgrllEliit \1Mpasseo;': '.;::' "'
. . \;;':: -::. . ,' :. .. " .. :.'-:; . ;:.'
The document Is not a ' ... ".i:," .. : . ( "
If you the n9f a .the be ended
(. . .. " .
and you should hand over the tlhito thesharePolntteamand"emaii the document to. the Non-FG "
JudgmentRequestsmallbox",'. :"{.,;<;,:": ..... , ... :' ,:r:: ' ,,' .:.
. ':,:,"":, :; .. .... <,. '::;:':. ,',\ ':::4;',.
EA!!: For PAP proce.ss Information, refer fo thE!" CORE PAP Workbook' Module' 3:' ' - .
Dissecting a Judgment Affidavit and Beglnnlng.yqur Review Process> Handling Non
Judgment Affidavits and Affidavits for. loans Past Judgmel1t or S"uspend!ld>The
? document Is not a judgment affidavit, Place the file in the Affidavit Process
Stopped box,
t'":,' "
t.
Example:
1" Category on left side of colon"
L = Loss MItigation .
F = Foreclosure
B = Bankrutpcy
R=REO
.. 2" On right side.otcolon
C = Complefed(Sale was held)
R = Removed (ReinstatementLPaldln Full)
S = Suspended (either for Bankruptcy or Loss
Mitigation)
A=Active
Next, ensure you are looking at a new Judgment affidavit and thatjudgmeni affidavit process has not'
passed in the process. You will look to ensure that the loan has been referred to foreclosure:
. .
U01-(RFR 2 Am & ASGN 2 PRCSR) Date of Referral: Should have a scheduled and actual date
WF334
You will look to the two steps below do not have completion dates (they may have
scheduled dates, which Is OK):
T14 -Judgment Entered/Granted
T32 - Foreclosure Sale Held
. . .
FOR3 . , .; , ., t
FOR TRAClaNG E65 FOliC
.. L: F:A S: R: 05/07/10 TYPE CONy.
1035 ,. , , . . , BELOIT WI 53511-0000
ACT A<:TIJAI. nFSC:RTPTTON PRED FLT
092310 092310 U01 RFR 2 ATTY & ASGN 2 PRCSR 0
til U SEND JUDGlol FIGS TO ATTY uOl 0
092310 092910 13 PAYOFF PROVIDED GOOD THRU u01 0
100310 092310 N82 NOTE RECEIVED BY ATTY U01 10
092310 092310 1<5G RECORDED TO ATTY u01 0
092310 092310 1<68 TITLE POLICY SENT TO ATTY uOl 0
100310 100810 uS2 TITLE RECVD uOl 10
101310 100410 T01 1ST LEGAL ACTN COMPLETED" u01 20
111810 102010 TOS SVC ON DFNS COMPLETED T01 45
,n11 1 !'JM R T0585
121010 T14 JUDGM ENTERED GRANTED T17 31
022811 T19 PRE SALE REDEMPTION EXP T14 90
011411 030211 u20 Flc SCHEDULED SALE DATE T14 45
032011 U99 FINAL TITLE CLEAR T14 110
030111 u31 SEND BID INSTRCTN TO ATTY T14 91
030211 T32 F C SALE HELD U20 0
050211 T39 AFT SALE CONFIRMATION EXP T32 61
8..: For PAP process Information, refer to the CORE PAP Workbook Module 3:
Dissecting a Judgment Affidavit ahd Beginning YDur Review Process> Handling Non
Affidavits and Affidavits for Loans Past Judgment or Suspended>The
affidavit Is for a loan that Is suspended or for which judgment has passed
If the referal step and date Is not present, or If the judgment entered/granted or foreclosure sale held
steps, have actual dates, the.process needs to be stoppe,d on file .. The, file either has not been
referred to or has already beengranted 0'0 the loan: the file In the
Affidavit Process, Stopped,box, . .' . . " . '
" . .
information the neW state standard template if an old template is
being submitted by an attorney and inserting new judgment: figures
When working a file, you may come across judgment affidavits that are formatted In an old.
template. If this Isthe case, you wlll,haveto open a blank new template (Template Job.Aid) to
transfer the Information In the old affidavit to the new standard template. You will also be
responsible for placing new judgment figures from our system of record Into the Fee Block.
Given delays In processing of affidaVits, the figures submitted In the' affidaVit by the attorney's
are out-ofdate. You must follow the "CORE Template Job Aid" provided to be in compliance
when completing this process. Let's take a look at the type of information you will have to
transfer to the new template:
1. Court and County Information
2. Plaintiff Information
3. Defendant Information
4. Case Number
WF335
5. Affiant (Your Name)
6. Your title
'7. 'Fees from the fee block
8. Per diem and '''to'' date :
9. Your name under "Further Affiant Sayeth Not"
'.
Helpful Tips
When transferring information onto the, new use,the Paste Speclal>Unformatted Text
option. This will allow you to copy and paste text without messing up the formatting of the new
affidavit.
Make sure to keep the font style and size consistent with the new affidavit. (Again, the best way
to ensure this Is by using the Paste Speclai>Unformatted Text option).
Do not change the font size or margins of the new affidavit In an attempt to reduce page size or
reformat it. Keep the existing font size and formatting and make sure all text that you key in or
paste matches the eXisting template,
Remove underlining, highlighted text, and user Instructions from the template,
Cory-ect Formatting Examples
The snbjectlol!ll wa&.d]lefor September 2010 at the time Plaintifffi'Ied its complainttoforeclose
on the mortgage, The paymentdefaulthas not beOQ cnredsince Pl:WitifffileditS complaint.
lam alan VP ofLo';"DoCmnenlation furWeIlsFargo Bank;NA (hereinafta"Wtlls Fargo"). ,exvicer of
themortgageloan. In the:regularporforman.ce of my job functions. I am familiar withbusiness
Incorrect Formatting Examples
. The subject loan was due fur_September 2009 the
time Plaintiffiled its complaint to fow:lose on the mortgage. The pa}'lllent ddirultill!s not been
cured since Plaintifffiled its complaint.
lam alan VP ofLoanDocumentation for Wells Fatgo Bank, NA
(Imcinafter"WclIsFargo,,). serviru ofthemongagel<lan. In ther<guIarpaformance ofmy job
.... ........ T ...... ..... ,..4' .. i. t..... ..: ... _ .. ...... _.t_-...:L. .... : .... J 1-. ,t7...11 .. tt ____ "' ...... 1,. .. _ ...............
WF336
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Activity: Placing information from an old affidavit into the new state template
for New Jersey ,
Directions: Use the copy of al) old New Jersey affidavit and fill In the blanks In the copy of the
, .
new state template for New Jersey. Remember to use your "Judgment Affidavit Template"
Job aid to help you complete this activity.
Old Template Sample
XRZ-101801/btl
ZUCKER, GOlDBERq & ACKERMAN, llC
Attorneys for Plaintiff
200 Sheffield Street, Suite 301
. ..
Mountainside, NJ 07092-0024
1-908-233-8500
Wells Fargo Bank, NA
vs.
CRAIG S. BINGER; et al
", "
Plaintiff,
Defendant(s)
,,'
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SUPERIOR COURT OF' NEW JERSEY
CHANCERY DIVISION
BURLINGTON COUNTY
DOCKET NO. F.-16S37-08
Civil Action.
CERTIFICATION OF PROOF
OF AMOUNT DUE
_____ .,-____ hereby certifies and says:
1. I am of Wells,Fargo Bank, NA, and as such, has the
authority to make this Certification on behalf oUhe plaintiff
2. I have examined the records of the plaintiff, concerning the above referred to oollgatlon
and Mortgage, and I find from said records that there Is due to the plaintiff in this cause the sum of
WF337
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_$239,808,86 as set rorth' oii the'sdedule hereto, with Interest to
grow thereDn from 11/2112010' , ," " .... ", ,
'3: ' ,; .. are no debts, Dr' due"or to' from, the
plalntlff to the defendantS; other than tliose set forth herein, ", ',' ,
4, Plaintiff Is stili the holder and owner Dfthe afDresald obligatlDn'an,d Mortgage.
5, I hereby certify that the foregoing statements made by me are true; I am aware that If
any ofthe foregoing statements made by me are pun'iShiii'erit.'"
Dated:
Wells FargoBank;NA,
.' .. . .
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Print Name.
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WF338
SCHEDULE TO CERTIFICATION OF PROOF OF AMOUNT DUE
In the sum of: $185,000.00 Payable on: 2037
Made by: 11 .. ...... __ - __ .2.,,:
Secured by a Mortgage set forth In the ComplaInt whIch obligation and Mortgage are held by plaintiff.
Nota and Mortsase dated: May 23, 2007
Recorded on June 11, 2007 In Burlington County, In Page"
Property Address: .. 8 ___ ..... 'l1li'.,1_ ........
Mortgage Holder: Wells Fargo Bank, NA
STATEMENT OF AMOUNT DUE
Principal balance as of date of
Interest from 1/1/2008 to"11/21/2010 @$ 34.00 Per Diem for 1056 days
Advances for Home Owner Insurance
Advances for Mortgage Insurance
Advances for Taxes-(Please see below for Breakdown.)
Advances for Property Inspections
Advances for Winterization
Interest on Advances
Accumulated late Charges (0 @ $ 0,00)
late Charges from February 15, 2008 to March 17, 2008- 2 months @ $
60,00 (filing of Complaint (April 28, 2008)
Suspense Balance (If applicable)
$183,866.01
$35,904.00
$1,632.14.
$Q,736.00
.$13,150.71
$ 400.00
$. 0.00'
$
0.00
$ 0.00
$120.00
, 1$ 0.00)
WF339
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rOTALAMOUNr DUE"P/.AINrIFF $239,808.86
SIgn Name
Dated:
P.rintNome
Surplus Money: If after the sale and satisfaction of,the mortgage debt, costs a,nd expenses,
there remains any surplus money, the money will be deposited Into the Superior Court Trust Fund and,
any claiming the surplus, or any part thereof, may file a motion to court' Rules 4:64-3
and 4:57-2 stating the nature and extent of that person's claim and asking for an order directing
payment <if the surplus money. The Sheriff or other person conducting the sale will have Information
regarding the surplus, If any.
WF340
WFHM'Affidavit Processing' Training
TAX BREAKDOWN:
Disbursement from EsC/llW - City Taxes 1011212010
Disbursement Mm EsC/llW- City Taxe. 07112/2010
Disbursement from Escrow City Taxes 0411512010
Disbursement from EsC/llW - City Taxes 0112212010
Disbursement from Escrow - City Taxes 1011212009
Disbursement from EsOlOW - City Taxes 0811412009
Disbursement from EsOlOW - City Taxes 041071200"
Disbursement from EsO!OW - City Taxes 0112312009
Olsbursement from Escrow - Pity Taxes 1011412008
DisbUrsement frem I$m)w - City Taxes 0710812008
Disbursement from Escrow - City Taxes 0411712008
WFH1'I Affidavit Processing Training - Module 3

,$(-1,325,57)
$(-1,156,99)
$(-1,156,99)
$(-1,235,22)
$(-1,235,23)
$(-1,138,76)
$(-1,138.76)
$(-1,151;81)
S(-I,201,92)
$(-1,100,84)
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WF341
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WFHM JA'ffidavit Processing Training,
Vendorscape Judgment Figures Sample '
Please use these figures for judgment through 11/2112010.lfyou have any questions, please conlnot
person listed below.
Principal Balance .................................................... " ........... $183,866.01
Interestfrom 1/112008 to 1112112010 ....................................... $35,904.00
Interest Rate .0725%
Per Diem $34.00
Allowable Late Charges ............. : ..................... $120.00
'Per Month $35.00
Suspense Balance ............................................................... $500.00
Escrow Balance ........................... ; .......... : .............. : ............ $0.00
Escrow Advance ............... '" .............................................. $6,059.92
Tax Advances ........... , ........................ $13,150.71
Hazard Insurance Advances ................... $1,632.14 '
Mll'Il'MI Advances .............................. $4;736.00
Miscellaneous Escrow Advances ... , .................... $0.00 ,
Corporate Advance ............................................................... $1,225 .00
Inspections ................ ".:.; ..... ; .... $300
BPO/Appraisals ............................ $0,00
Property Preservation Adv(s) ............. $0.00
Bankruptcy Balance .................... $0.00
Bankruptcy Fees and Costs .................. $0.00
Corp. Adv. for unpaid HazII'ax ............. $0.00
Misc. Corporate Adv(s) ............. $0.00
203K Disbursement ......................... $0.00
Other Fees (prior to Foreclosure) ........... $IOO.OO Other Returned Items .............. $O.OO
Other Inspection Fees ................ $100.00 Other Miscellaneous Fees .................. $0.00 Oilier Pymt
Shortage Aqvanced by Servicer on your behalf ............. $0.00 Total Debt as ofJudgment
Date .................... $239,808.86 .
Sincerely,
Pre-Foreclosure Specialist
WFHM Affidavit Processing Training Module 3'
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New Template Sample
PLAINTIFF
VS.

ET Al.
SUPERIOR COURT OF NEW JERSEY
CHANCERY DIVISION
"COUNTY COUNTY
DOCKET NO: F-DOCKET
CIVil ACfION
DEFENDANT (S) CERTIFICATION OF PROOF OF AMOUNT DUE
1. I am employed by
company Is
-'"
a mortgage servicing company authorized io service and handle mortgage transactions
on behalf of the plaintiff Involving the mortgage debtors named In the plaintiffs complaint. The plaintiff
.
has not revoked said mortgage servicing company's authority and as such, mortgage servicing
company's representative has the authority to make this affidavit on behalf of the plaintiff:
@: plaintiff In the above-entitled action. As plaintiffs representative, I have the authority
to make this on behalf of the plaintiff.
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2. In the regular performance of my Job functions, I am!amlllarwlth'the business records,
Including loan documents andloan account records, maintained by These records
(which Include data compilations, electronically Imaged documents, and others) are made at or near the
time by, or from Information provided persons with knowledge of the activity and transactions
such records, and are made and kept In the course of business activity conducted regularly
It Is the regular practice of business to make these records. In
have acquired personal knowledge of the matters stated herein
by personally examining
described In the Complaint.
business records the note and mortgage loan
3. Information and belief, the'property described In the,Complalnt flied In this cause
cannot be divided and should be sol!! as a single tract.
4. There are no Just debts, set-offs, credlts.or. allowances due or to become due from the plaintiff
to the defendants, other than those set forth herein.
5.
6. The following amounts due to the'plaintiff pursuant to the terms of the Note and

Mortgage are set forth In the
... .. .... _-J\'>..:'> _
7.

Per diem Interest In the amount accrue. on the prlncjpal from
8.. I understand that the court will rely upon this Certification In support of the plaintiffs
application for a foreclosure Judgment In the action.
9. I hereby certify that the foregoing statements made by me true and I am aware that
If any of the foregoing statemenis made by me are willfully false, I am subject to punishment.
.
WF344
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WFHM Processing Training
Dated:
Statement of Amounts Due
AMOUNT DUE SCHEDULE
NOTE AND MORTGAGE DATED
Recorded on ____ in ___ County, in Book __ at Page ___ _
Property Address: _______________________ _
Mortgage Holder: _______________________ _
STATEMENT OF AMOUNT DUE:
Unpaid Principal Balance as of $ ______ _
Interest from to $ ______ _
(Interest rate = __ % per year; $ per day x ____ ,days)
Late Charges from to ___ _
($ fmo. x __ mos.) $ _____ _
Advances through for:
Real Estate Taxes $ ____ _
Home Owners Insurance Premiums $ ____ _
Mo;rtgage Ins\lfll!lce Premium $ ____ _
Inspections $ ____ _
Winterizing/Securing $ ____ _
Sub-Total of Advances $ __ --, __
. ,
Less Escrow Monies ($, ____ --1
Net Advances $ $ _____ _
Interest on advances from to $ _____ _
Other charges (specify) $, ____ _
TOTAL DUE AS OF $ ____ _
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Module 4: Reviewing Affidavits and Handling Exceptions
Introduction . .' .
One of the. most Important things the do Is that the In the
affidavit Is correct. To do so, they need to know how to verify the Information and what to do If the
Information Is Incorrect, In this module, we will dlsc.uss:
o Verifying Data Elemerits of an Affidavit
o Using MSP; Vendorscapeand Other Tools In VourValidatlon'
o The Validation Process
o Handling
After this should to: .
o Explain why it Is Important to correctly Identify and address excepUons prIor to signing an .
affidavit
o Review affidavits, correctly exceptions lOO%.ofthe time
o correctly address affidavit exceptions 100% of the time
Verifying Data Elements of an AffidaVit
Why Is It Important that I verify that each data elem'lint In the affidavit Is correct?
When you Sign a Judgment affidaVit, you declaring to the court that the Information In the affidavit Is
correct and that you have verified the data,
What data elements of the affldaylt must be verified for the state of New Jersey?
You must verify In the New Jersey Judgment that all of the following are correct:
WFHM Affidavit Processing Training. Module 4 Part Intra
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WF346

WFHM Processing Training
Entity
'W ClIANCIlRY DIVISION
oCOUNI'Y. COU!I1Y
VI!. DOCKE'INO:l..DOI:KJ!T.
Signer's Name
>.'C'c.::., " .... ________ .....,+_ Company Information
Signer's liUe
..... .... -",....;IoMo .... """',.... ..... ...,,-__ "---If- Plaintiff or Servicing
ih b ....... tIlIad oelI .... As plslntllf', Rl""m>Ialivo,lbav.
thuutlton'ly to msl."I this" u belWf oftL. plalntif.
1. In the cmyjob fimaUon1, , IDD fami112twlth Iha
.. oonisJ {n.oln.dm;lom.doGWDnliJ.aDd
, ThU'!'RConh(whithlncludeeat.compllaUom..e1tdrontce1ly
blpd dOt'lmllnU, and othut)an1l1Adul (lrZWlr thethu by, (If' &om.Infoan.etiOll
by, panms'Wfth l"JUIm-edpafth"aoUvltyad tnnu.olbmu .. nt.e1t1i{n such
... =d>udl:.pllDU,....",.. a<tivllycoooua.d .. :uJulyby
'$1numASltolmh
;:cPl - .. -
..
sbl.dl .... m
bUJmHs -rn.ords c.oDctmmJ fh.J Dolunil mortpp lo.anducribe.d bl theCamphh:t.
WFHM Affidavit Processing Training - Module 4 Part Intra
For Intemal Use Only
Company Specification
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3. Ul"'ninfotmAtio ."dkllel;lhol't._d .. cribedhLIhoComplaInUllol
ru1hliOlllJeCllmot'badlvJdfdcndshobldMSolds.,tnPatract.
"f "l'bN,areno just deb1s,.,ud..offi:r ettdits:Or&W:mw dliUtfhl beeomt
.,
Note Holder'
---!--Statement of Amounts Due
Attached
__ ..... __ Diem Amount
8. Good Through Date
lhlplsmufi'sapplk;&dttlllfofa{oRtlaSUftjudgwnUntlaw.itblnactlo.a.
9, midAbl":mea:r.trulled [
anyjl'Ib 1m'Q
subJ"'1l> pWll._
Statement 'Of Amounts Due
.,
, Date :t Execution Data
Date
Recording County
Book and Page
: Adqress
Plaintiff
;,:e.----F'ee Block (every number

,.!],cs:-:':;.: ').:'
WFHM Affidavit Processing Training - Module 4 Part Intro
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and date In the Statement
of Amounts Due must be
validated and checked
against the total.).
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How do I validate each of these data elements?
You will need to check each data element outlined above against Wells Fargo's systems of record. You
will ensure that each data element In the affidavit matches the data maintained In our recqrds. You wl!1
be provided with a standard set of screenshots from each system to validate Including:
Vendorscape
Judgment Figures Message (Vendorscape Message)
Vendor Instructions
MSP
P190
Additionally, you may navigate to the following screens to research loan information and figures:
MSP
FOR2
Foil3
OLQH
Other
Investor Matrix
Note: If any additional screens from our systems of record are used In your review of the affidavit, you
need to print the screen and Include It In the physical file. This Includes any updated versions of screens
you use that were already In your physical file, like the P190,,Vendorscape Judgment Figures Message or
the Vendor Instructions:
let's discuss where you will need to go and what you will see In these systems, foryalldatlon purposes.
Using MSP, Vendorscape and Other Tools in Your Validation
lIendorscape
For the purposes of the affidaVit process, you will be provided with screenshots of two screens In
Vendorscape:
Judgment Figures Message
Vendor Instructions
let's discuss each now.
Vendorscape Judgment Figures Message (Vendors cape Message)
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The Judgment Figures Message In (Vendorscape Message) Is used to In
the fee block on the affidavit. There Is an applidation !hat automatically calculates the Judgment figures
for a loan, b?sed on the loan data Y.lIthln have beencal,culated they are,
In Vendorscape vIa an message wlth.!ri the system, At times, than
Judgment figures may be present In the messages, The latest one has been found and a screenshet of
the message printed for you, You will use this 'mess'age to validate tlie Fee Block data element of the
affidavit.
"
Individual Mos g>
".',
Admin User
'.<
from: freedmttnprocessor (America's SotvldngCoJ
To:
When the Judgment

Rca.d: f2J1312010 4:35 PM
11201 t figures were run
OCher RelUmed Kerns
Vendorscape Vendor Instructions
Good Througl) Date
Judgment FIgures
The Vendor Instructions In Vendorscap,e are to the plaintiff In the affidavIt.
WFHM Affidavit Processing Training Module 4 Part Intra
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There Is a document housed within Vendorscape that provides attomey (vendor) Instructions on the
entity the loan should be foreclosed In the name of (who the Investor Is) based on Information housed I ~
MSP and our Investor Matrix. MSP tracks the Investor of the loan through an Investot Number that Is
attached to each loan. The Investor Matrix houses the actual name of the Investor, based on the
Investor Number. That Information Is then put Into the vimdor Instructions In Vendorscape. e l o ~ Is,an
example of the excerpt you should pay special attention to In the document.
Vesting/Foreclose
Entity
MSP
have Power of Attorney to sign on behalf ofMERS, please prepare, execute and record the
asslgnmenl from MERS to Wells Fargo Bank, N.A. and forward a copy of the executed assignment
via VendorScape to the "Assignment Issues" processor. Upon receipt of the recorded assignment,
please forward the original recorded asslgnmentto: Default Doc Department MAC X7801-Q2R
3476 Statevlew Boulevard Fort M11I, SC 29715. If you do not have Power of Attorney to sign on
behalf of MERS, please prepare and send the assignment via VendorScape to the "Assignment
Issues'" processor for execution.
5. Vesting of the foreclosure deed should be taken In the name of: ErlI.M2l!
For the purposes of affidavit verification, you will be provided with a screenshot of P190, but you may
also need to view the following screens within MSP In your review process:
FOR2
FOR3
DLQH
Let's discuss each now.
P190
The P190 screen lists the borrower (defendant) information, due date of the loa.n and investor number,
along with loan status Information. You will use this screen to validatethe name of the borrol'{er
(defendant) Is correct on the affidavit
Note: Although you will receive a screenshot of the P190 with your file, you should navigate to and
view P190 within MSP at the time of review, to ensure the status of the loan has not changed.
WFHM Affidavit Processing Training Module 4 Part Intra
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1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
FOR2
Investor Numlrer and Category- each Investor Is assigned a specific number and category
Due Date - the date the first delinquent payment was due '
Principle Balance - this Is the current first and second (In the case of a second mortgage)
principle balance on the property
Bill Name and Address - the name and address In which bills are mailed to
Tax Name-the name In which local taxes are paid In
Property Address - the physical location of the property the loan is on
Escrow-the current escrow balance
Advance - the current escrow advance. (amount paid into e,,;crow by Wells Fargo, where the
mortgagor's escrow balance did not cover the costs; borrower owes)
Suspense -the suspense balance
Loan Date -the date In which the loan was originated.
Area in tlie P190 screen where you go to enter the name oftlie next screen you want to display.
Orig Loan - amount of the original loan
: ",
The FOR2 screen lists the judgment figures, and all of the notes on the loan relating to foreclosure. If the
judgment figures cannot be found In the Vendorscape messages, you will use this s r e e ~ to view the
judgme,nt figures. The judgment figures on FOR2 and In the Vendorscape message are the same and
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were using the same applicatlon . the IUs ,easier to read
judgment In Vendorscape, to tlie' (ormattiilj{<i"nd"user In Vend'orscape. To view the
judgtl!entflgures on allthe ' on the locate the
newestJtid!iinent ' ,
. . '. .. , ,.. . '.
, "
FOR3 , '
This screeo tracUs the steps n'eeded In'order to complete the foreclosure, as weU as the dates these
steps are scheduled to be complete and when they are actually completed. You will use this screen to
ensure that you are looking at a new judgment affidavit and that judgment affidavit process has not
passed In the process, Youwlll need to navigate to this screen iri MSP.
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L: F:A B: R:
At the top ofthls screen.you can see the current stat.us of the foreclosure process on the loan:
1 Category on left side of colon
L = Loss Mitigation
F = Foreclosu te
B = Bankrutpcy
R=REO
2" Category on right side of colon
C = Completed'(Sale was,held)
R = Removed (Reinstatement, Paid in Full)
S = Suspended (either for Bankruptcy or Loss
. Mitigation)
A = Active
Below this on the screen, you will see from left to right:
SCHED: Scheduled date of the step (when expected tp be complete)
ACTUAL: Date step was completed
STEP: Standard letter/number Identifier for the step
STEP Description: Short-hand,descrlption of the step In the process
PRED: The step that comes before said step
WFHM Affidavit Processing Training - Module '4 Part Iniro
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, fLT: Amount of days to 'c,omplete the step, , ' " " ,
.. .. : ... .. .. .. ",: ' " , \ ( ." " .... : . :- ..... ..
DD,cH;' FE,El"DLQH " ' "
be utlli:ed to validate tne ligures In fee block whe'" ", ;
enccimtered, occljis when tlie 'attorney broken down a fee total In the affidavit, for '" ,
exa(11ple Tax 6jsbursements); In\o' line,ltems that show a amount and date",
for each Tn the total" , ' , .' '.;
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Exa,mpfe ..
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c';py th .. ltomlt.,d
tho,
.ndp.sto
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2.404,77
;.
DDCH "
DDCH corporate advance for (after foreclosure begins), BPO//!oppralials,
property,preservatlon, and Bankruptcy, may need to use this screen to research discrepancies.,
betw":en the corporate.advance figures In the figures ,and the affidavit: '
Judgment Figures Example '
Advance, .54,230.53
InsRecrions , , . , , .$1,646.34
BPO/Appraisals , $0.00
prcpen:y Adv(s) .,' 52, 584.1.9
aalance . $0.00
Bankrupccy FEes and co>cs so.oo
Adv. for
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DDCH Screen'
1. Transaction Code - the" code that is assigned to monetary trarisactlons that are corporate advances
on the loan
Z. Date-date the advance was made
3. Amount - the amount of the transaction
4. Payee. Code -this Is a coding system that denotes If the fee Is recoverable (R ), non-recoverable (N),
or third-party m (meaning the will pay the fee)
. S. -.the ofth.e tha:took place
Feel
The'FEE 1 lists a history oflate fees, NSF (non-sufficlentfunasj TeeS; Inspection fees (prlon" the' start of
foreclosure.process) and other fees. You may need to use this screen to research discrepancies
between the other fee figures In the judgment figures and the affidavit:
Tot:a
Sincerely, .
p,e-Forelosure specialiSL
WFHM AffidavIt ProcessIng TraIning - Module 4'Part Intra
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Feel Screen
1.
2.
3.
Description':: this provlde;a descrlptlpn of the fe,e'
iiate Assessed arid'Amount -!hls column Indicates the date In whlchthe desc;ibed fee
charged to the borrower's account and the amount assessed
Date Paid and Amount- these columns will be flied out when the borrower has paid the fee
assessed. The date and amount paid will be fllledout
4. Date Waived and Amount- these columns will be filled out If the fee was waived (meaning did
not need to be paid by the borrower. It will Include the date it was waived and the amount
waived
DlQH
The DlQH lists the detailed payment hlstoTy of all payments applied to the loan. You may need to use
this screen to uriderstand in the escrow balance, escrow advance and principal amount
listed on the affidavit.and in our judgment figures.
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The easiest way to this screen Is line by line, Different columns on the screen will be filled out,
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1. Applied - date the fee was applied to the account
2. Due - date the fee was due, as well as the due date.ofthe loan
3. Transaetlon code':' this Is a.code'that denotes the tYpe,oftransaetlon that took place .t,his,cqdE!, "
will help you fee was fO,r... '.
4. Amount.- this column Indlcate.s amounts or'tlie transaetlons made on the loan
5. P&I-Indlcates wHether amount paid was-applled to principal and Interest. If a discrepancy"
exists with the Prlncipll1 Balance on an affidavit may assist In resolving
6. Escrow -Indlcates,whether. amount paid was applied to the escrow account. Negative amounts
. represent a irom the escrow '.' .
7. Late charge - assessments Of late charges
8. NSF Fee - Non Sufficient Funds -If the borrower has sent In a check and the,check
Is returned as not payable due to funds In the borrower's bank account
.
NavlgatJng MSP and Vendorscape
Although a package of MSP and Vendorscape screenshots are being provided to you forthe purposes of
your validation, there may be times when you need to log Into MSP and/or Vendorscape to find
additional. Information or enter in notes Into the systems. There are two Job aids provided to you for
help with this:
Job Aid: Accessing, Navigating, and Understanding MSP Screen for Affidavit Review
Job Ald:.Vendorscape
WFHM Affidavit Processing Training Modure 4 Part Intro
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Other Tools
Investor MatrIx
At times, you may have to view and prlnteout the I,nvestor Matrix This will most often occur when the
Vendorscape Vendor Instructions did not list a plaintiff, but Instead was blank or said "contact
processor". In thesecases,you need to print out Investor Matrix to validate the plaintiff against.
As a remlnder- MSP tracks the Investor of the loan through an Investor Number that Is att<iched to each
loan. The Investor Matrix houses the actual name of the 1nvestor, based on the Investor Number and
. " . .
Investor Category
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The matrix can be found here:
http://servlc1ng.wfhm.homestead.wellsfargo.com/dient relatlons/matrlces.asp under the Investor
Vesting Matrix. Detailed Instructions for viewing the Investor.Matrix can be found In Investor Matrix
Job Ald.
Procedurai Job AIds
To ensure you validate all data elements on the affidavit, there Is an Affidavit Checklist specific to each
state that requires an affidavit. The state Affidavit CheckliSt must be used to ensure you have validated
each needed data element on the affidavit. The checklist provides you with a document where you can
check-off each data element validated, along with a spot to note rejections andror corrective action If
needed.
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Also to aid with your efforts, there Is a procedural document, Affidavit New Jersey -Judicial Affidavit,
with help on how. to validate each data In each state specific affidavit. This Job aid will tell you
where to validate each data element, '
Activif;Y: Using Systems o/Record/or Validation,
Directions: Note where you would validate each Itelj> on the affidavit. Use the "Using MSP,
Vendorscape and Other Tools In Your Validation" portion of your partlclpant'gulde for'help with this'
activity.
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For Internal Use Only , '
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SOPERIOR.COlJlIOFNl!W lERSl!Y
C!WlC!!R:YDIVIl!lON
.coUNTY. COONTY
.DOCKTNO:I'...DO=.
ClVILACIION
CI!I!l1FICAnoNOFPROOF OF
AMO!JNTDIJE
D
"'" I. h .. .."pl,yo<lby
.' ............ .
=v .: .. ......... "fi ... 0 comp.myI:s
:D. alDort!2i'2scvicln:lclImpmyntl1oriudtD
cm.bahalr .. c1tbmt umroiD l!u
complabrt.
ed2ssudt. smrldDJ:'compmys
ACtJon, A1 plabrti' .) npramnto.tm, Ib.sva
W. IUthOrily to m!l.b thlUln bwlE of 1llI plaIntlff.
ThvuACOm(w'lUeA-lncludedat.coJUpiT1Uow..mtroniWly
!ma;td. dot:UllUuh
1
mui Gthtn) at. DUct.:at oCIrnw '!he t1m .. by,. c:r from tnrormaUo:a.
by, b-anuctlGlwaflkltdfn noh.

,,'li t: j},. it
.' .. ;1 .. :f..': :" '''.:: 'I IUs lhetepJlarpnr.dtM.of . .-!:: ,lncineu1ol:l1.tl."f!'
lh,slnel)rds.
bowladp of'theJ1UUeu s\;dtdhccolb1 hyp.nonsllyc:a:mhlb::I" . .:;.c.t.,.: " ",$
Ki'" .
1. Vesting/Foreclosure Entity: ______ or ______ _
2. Borrower's Name: ______ _
3. Signer's State and County: You ensure It Is correct
4. Signer's Name: Officershlp documents
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5. Signer's Title: Offlcershlp documents.
6. Company Information: We'll discuss In a later portion ofthe training
7. Good Through Date: _____ _
8. & 22. Total Amount: _..,-__ _
9. Principal: _______ 10.11. & 12. Interest Amount, Interest "From To" Date, Interest Date:
13. Pre-Acceleration Late Charges: _____ _
14. Hazard Disbursements: ___ --I, research regarding Itemization can be done on the __ '--_
screen
15. Tax Disbursements: ____ research regarding Itemization can be done on the __ _
screen
16. Property Inspections/Preservation: ______ , research regarding can be done on
the. and screen
17. PMI/MIP Insurance: _____ research regarding Itemization can be done on the __ _
screen
18. Bankruptcy FeeS/Costs: _____ ..J research regarding itemization can be done on the
___ .screen
19. Other: ___ --I, reSearch regarding Itemization can be done on the ___ screen
20. Escrow Balance Credit: _____ 21. Unapp.lled Funds Credit: ____ _
23. Per Diem: ____ _
24.DATE: _____ _
Bonus Questions:
When would you use the FOR3 screen1 _________________ _
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Module 5: Signing the Judgment Affidavit "
Introduction
Once the reviewer/signer has has the affidavit anI! has determined that It Is correct, It.ls ready
to be Qr'slgned, id not and
handing' 6iiof the JUdgment In' fhls '
explore ,key ; ... . '; -.:.:
:;1", "._ !: ' ... ::': :':::".' .. ::i. -.. ' ';":' ....
Rem[ryflers prior to slghlpg ,'" ;,'. ".'. .," .. '.:'. : . , "
Th .. procedure for correctly signIng an affidavit It Is reviewed
Noting MSP for completed affidavits
By the completion of this module, you should be able'to:'
Correctly sign affidavits 100% of the time
. Correctly notate MSP' once the 'affldaYit Is signed
Reminders prior to signing the affidaVit .
Prior to signing the ensure:
". You have reviewed the affidavit in Its entirety
You understand and can speak to any exceptlo.ns and'resolutlons
You have printed any screens. used in your review and validation (including updated prints of
screens Included In the original physical file)
Additionally, for Palm Beach County in Florida, you must:
Print the DLQH screen starting from the point of default (and any pav.ment historY screens used
during the review like P3Q9, SER1/HIST, SER1!HTAX,
Blackout the loan number on the DlQH screen (and any payment history screens used during
the review like P309, SER1/HIST, SER1/HTAX, SER1/HMJP, SER/HHZ)
Date of default Is the last date the loan was current.
. .
Note: For Florida, you must also initial aU documents you used during your review of the affidavit.
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Correctly signing an affidavit once it is reviewed
Once you have finished reviewing the affidavit according to the procedures ou.tlined in Module 4 there
are a couple of steps that you need to take in order to correctly sign the affidavit. Let's take a look at
those steps.
1. On the outside of the file folder, mark the "Reviewed" field with your name and the date.
2. Wait for the notary to come to your workstation. At this time, you will sign your collection of
"Ready to Sign" judgment affidavits In the presence of the notary.
a. The notary will ask to your Identity. You 'must present the notary with a valid
driver's license. The notary only needs to verify your Identity once a day If you an,
working with a different notary each day. Otherwise, it Is said the notary "knows
personally" the Individual signing the affidavit.
b. You must swear to the nbtary that the documents are true and accurate. This requires
that you read a "Dally Affirmation Certification".
3. Once the ncitary has verified your Identity and you have read your Dally Affirmation Statement
aloud, you will Sign the judgment affidavit.
a. All affidavits are to be signed in blue ink by you with the exception of the state of illinois.
illinois requires the signer to sign in black.
b. The notary may sign In bJue or black ink.
c: Do Not Indude your title in the notary block section of the affidavit.
4. You th.e notary then must mark the appropriate fields of "Signed" and "Notarized" on the
.cover of the file.
5. Pass the file to the SharePoint team.
PAP: For PAP process Information, refer to the CORE PAP workbook Module 5: Signing the
Judgment Affidavits> Correctiy signing an affidavit once it is reviewed
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,"{:';:. :.:::';.' :: . ",. ': .. ' :, .. ;:::.:.:":' .. :? ':'" .' " .. :.-,'"-::,' : -"'''1:, .. "
Note: uS!ld rlur!ng yo'ur review ofthe affidavit. Tnls
toyol! that yciu'lIse In (ex: "
of record (ex:
Pi90 In t"he:P190 screen MSt>;:>lprlnt theeurrellt and
Initial It.) .,. .. , . .', . .": :";:;. . " .' .': .. ' , ::; \. . ;' - ... ' '. ,
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Activity: Correctly Signing an Affidavit
Directions: Take a'moment to think about the important points around correctly signing the judgment
affidavit. Use the space below to jot down,yourthoughts. Be'prepared to share your thoughts with the
class
o
o
o
o
For PAP process Information, refer to the CORE PAP workbook Module 5: Signing the
Judgment Affidavits> Notating MSP for completed affidavits,
Notating MSP for completed affidavits
After the file has been signed and notarized, y.ou mus.t enter a log code.!nto MSP to record thatthe
affidavit has been signed and mailed to the attorney (the Imaging and Shipping team will mail all
applicabie documents the attorney), Let's take a look at how you will enter this log code into FOR2:
Entering the log code In MSP
1. Log in and navigate te the FORZ'screen (Foreclosure Notes).
2. Press "FS".
3, Enter log c.ode FCJASM (FCJDGMT AFF Signed & Mailed to Atty).
For internal Use Only
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4. Press to save this Information to MSP.
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Module 6: Conclusion
m:' For PAP process Information, refer to the CORE PAP workbook Moduie 6:
COIicluslon>Revlew.
Review
During the training session you have been presented with five learning modules. let's review some of
the key points to remember In each module:
Module 4: Reviewing Affidavits and
Handllrg exceptions
Support and Resources
You responsible to ensure the accuracy of the
documents and vall9ate the data contained therein .
The components (data elements) of the affidavit that
you are responsible for verifyhig.
Using MSP and Vendorscape to verify the components
Common scenarios that would cause an exception
during the review process. .
How to handle "allowable/fixable" exceptions and'how
to
The participant guide and job aids will be posted to SharePoint for your reference.
Team leads
Supervisor/Manager
WHIM Affidavit Processing Training - Module 6
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WFHM AJfid.avit Processing Training
Activity: Putting it all together .
Directions: Each group will get an affidavit file to review. Use all of your resource material
(participant guide and Job aids) to correctly:
Place the affidavit Into the new template
Revl.ew your affidavit, Including marking the label on the front of your file folder
. Note and resolve exceptions
Use the space below to record any notes. Be prepar.ed to share your review process with the '
class.
.Please:do not write on any material of! the inside of the folcferlll
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Jaimee Gonzales
Pick-a-Payment Foreclosure
Operational Risk Management
Brown
Enterprise Risk Mgmt
Legal
Revision History
m,
COre PAP1!;lmJOg:-
Joey Washington ap,
II
COre PaPTralnlng-
Dana McFadden,Appr

D1J,
COre PaP Training -
'm'
COre PAP Tralnlng-
MarkFarrrer approva
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Mlch.II.' Jordan 3110/11 Created document
Micheli. Jordan 3111/11 Edits per Business Unit feedback
.
Revision History - Post Approval
WFHM Affidavit Processing Training - PAP Workbook
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WFHM- Affidavit Processing Training
PaP Workbook Introduction
Loss Control Plck-a-Paymelit (PAP) portfolio processing Is different In some areas from the Wells Fargo
Home (WFHM) portfolio when executlngJudgm,mt Affidavits. The most notable dl,fference
between PAP ani! Is that PAP's portfolio consists of mostly'Adjustable Rate Mortgage (ARM)
loans. 'lJ1e ncitable differences are personnei roles and systems of record. ,"
this workbook wllJ guide you through the differences, enabling you to perform your duties In the
Judgment Affidavit process s'uccessfullyon a loan.
, ..
Module 1:' Course Overview
Key Differences ,
Course Objectives
There Is one additional course objective for PaP beyond what is presented In the core materials:
Accurately calculate the judgment figures for a loan 100% of the time, '
Module 2: My Role and' Responsibilities
Key Differences.
Judgment Affidavit Process
I, Roles and Responsibilities are distributed differently for PAP - Document Preparer,
Figure Analyst, Reviewer/Slgner/aC, and Notary,
Ii. There are also different steps in the Judgment Affidavit process,
JIJ. PaP manually the judgment figures for all ofthelrloans; this Is an additional
step for the Figure Analyst,
WFHM Affidavit Processing Training - PAP Worlcbook
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Your Responsibilities and Why They are Important
The Figure Analyst and Reviewer/Signer / QC are the main roles of the Judgment Affidavit process .
. Together they are responsible for:
.1, Ensl,(l"fftgdocllMefit
Is .Jude.umt
nffJdllvlt,lsfora
10tln fR'JleUvn
not
past the pOint Dr
Judgmeryt
Enwring
Infnrmatlon In
thoollidavll, .
uslngsystemstlf
recOrd ., ':
.. Affidavit must not be signed If Inronnauon tn the.offidavil IS not correct
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Figure Analyst
Judgment Affidavits are completed by the Flgure Analyst.
I. Calculates figures and types figures Into affidavit
II. Saves affidavit Into department shared drive
III. Assigns file to Reviewer / Signer / QC '
, Iv. Prints affidavit ana places It In the Doc Prep file for the Reviewer I Signer I QC
Reviewer I SEgner I QC
Judgment Affi.davlts are reviewed, vandated, and signed by the Reviewer I Signer I QC.
I. Reviews and validates Information on MSP
II. clianges on allowable exceptions and reprints 'affidavit
Iii. Follows Reject process for non-fixable
Iv. Signs affidaVits In the presence of a notary
The supporting roles of the Document Preparer and Notary also play an Important part In the Judgment
Affidavit process. .
Document Preparer
Judgment Affidavits are prepared for processing by the Doc pr.ep Team.
I. LPS prints the required Affidavits and ships them to the Doc Prep Team via overnight mail.
II. The Doc Prep Team receives affidavit package from lPS .
Iii. Determines whether affidavit Is on an approved format. If not, follows the Reject proc.ess
Iv. Sorts affidavits by non-figure and figure affidavits
v. Prints supporting docs for figure affidaVits
vi. Non-figure Affidavits are assigned to a Reviewer {Signer / QC; Figure affidavits are assigned to a
Figure Analyst
Notary
Judgment Affidavits are notarlzeq, shipped, and tracked by the Notary.
I. Notarizes affidavit
iI. Prepares file and send to Default Administration for Imaging
III. Ships affidavit to appropriate location
Note: If any Notary elements are Incorrect, the affidavit Is ;eexecuted and re-notarlzed.
Due In partto size dlfferences'between the PAP and WFHM portfOliOS, the main and supporting roles
outlined above assume the responsibilities of the Exceptions Processor, Quality Controller, Shfpplng and
Imaging, and Team Lead roles In WFHM.
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Tools You Will Use in the Process
. ".
PAP uses different ap"pllcatlons to process"Judgment Affidavits . "
I. LPS Dash a.oard t? the'lIff1davlt process flow.
II. MSP: . . .' ."
a. There Is only 1 session (Client 512) and MSP.Ts web-based with a different login process.
b. The following system codes In MSP'ari! used to' Indicate milestones In the affidavit process:"
o . Step 145 - Judgment Entered '. "
o Step"OBO - Scheduled Sale Date
o FC72D - FC poe Prep Team - Supporting Docs and FigureS
o Task FC72i.- Debt F1gure;- o.C.: . : .. .,
o TaskFC722 - Attorney .GrrOr Taslc.- DebtFlgUres" "
Q . Task FC725 - Non-Military Affidavit
o Task FC726 - Fe Debt Figures Notarize'
o Task FC727 - FC Afflaavit'MallEid ".".
o Task F.C728-FCComplalnt Doe process
o Task fe729 - FC spr process: .. "
o Task F030 - Interrogat9rJes Doc:. process
o Task Fc::731- FCloss Mitigation Mise Doc .
o logeode FCDEirr:"(Approved Debt Figures}:
Q log code FWDOCP (Doc Package to SIgners)..
III. PAP does not use Share Point, VendorScape, or Investor Matrix In judgment affldavlt process
Module 3: Dissecting a Judgment Affidavit and BE.!ginning Your Process
Key
Introduction
PAP does not convert Into an approved template; instead, the affidavit follows a Reject process
if received In an unapproved format.
Common components (data elements) of the Florida template
Section 5: Company Information
. The company information should always refleCt Wells.Fargo Sank ,N.A., as It Is PAP's'buslness
practice to always foreclose In the name of Wells Fargo.
Chain of title verbiage should also be Included based 'on the Note Holder.
Note Holder Verbiage Exhibits
Waeliovia Wells Bank, N.A. is the successor of a merger with;Welis
A
Mortgage, FSB
Fargo Ban .southwest, N.A. formerly known as Wachovia
Mortgage, FSB as evidenced by that certain official certification
leiter fromilie Office of the. Comptroller of the Currency (OCC) .
dated November 1,2009 attached hereto as Exhibit
World Savings
Wells Fargo Bank, !'I.A. Is the successor of a merger with Wells
AandS
WFHM Affidavit Processing Training - PAP Workbook PageS
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Bank, FSB
Fargo Bank Southwest, N.A. formerly known as Wachovla .
Mortgage, FSB as evidenced by that certain official certification
letter from the Office of the Comptroller of the Currency (OCC)
dated November 1, 2009 attached hereto as exhibit "Zi." Wachovla
Mortgage, FSB was formerly known, prior to its name change, as
World Savings Bank, FSB,as evidenced by the Notice of
Amendment of Charter and Bylaws letter from the Office of Thrift
Supervision (O,TS) dated November 19, 2007 attached hereto as
':'Xhlblt "ili" ,
World 'Savings
Wells Fargo Bank, N.A.ls the successor of a merger with Wells A, B, and
and Loan
Fargo Bank Southwest, N.A. formerly known as Wachovla
C
Association
Mortgage, FSB as evidenced by that certaIn official certification
letter from tlie Office of the Comptroller of the Currency (OCC)
dated November 1, 2009 attached as ExhIbit "i:!." Wachovla
Mortgage, FSB was formerly kl)own, prior to its name change, as
World SavIngs Bank, FSB as evidenced by, the Notice of
Amendment of Charter and Bylaws letterfrom the Office of Thrift
Suporvlsion (OTS) dated November 19, 2007 attached hereto as
exhibit "lI!.',' World SavIngs Bank, FSB was the successor of a
merger and combination wIth World SavIng!, and Lnan AssocIation
as evIdenced by the ArtIcles of CombInation, dated and effective
December 31,2000 attached hereto as ..
* ReIer to lor exhibits.
Section 7: Fee Block Data Elements
PAP does not have automation for calculating Judgment (igures; Instead, It is a manual process
performed by the Figure Analyst
Handling Non Judgment Affidavits, Affidavits Prepared by David Stern and
Affidavits for Loans Past judgment or Suspended
The dDcument Is not a Judgment affidavit:
Non Judgment a'lfldavl!s are directly assigned to the Reviewer I Signer' QC by the Doc Preparer
The affidavit is for a IDan that is suspended orfor which judgment has passed:
You wlll verify Step 010 - ReIer to Atty /Trustee has an actual date to the loan was referred to
foreclosure.
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Additionally, you will look to ensure the following steps below do not have actual completion dates
(they may scheduled dates, which Is OK):
Step 145 - Judgment Entered
Step 08U - Scheduled Sale Date
FOR3 ., .... "c';"r:."':.,;.: ___ FOR TRACKING PWt 010/122 03/0e/ II 12:56:28
L: F:R Bt R: 02/15/10 TYPE CONV .. RES. ARM H:H F:4
. .;;'i -;: .. ! GUAR
-------------------------------------------------------------------------<HORE-
ACi SCHED ACTUAL STEP STEP DESCRIPTION PRED FLT COST G R C L F P T
081711l" lql . Y .JUOGENENT FILED 013 25 H
020811 !i3[ Iql 175 II 3
031011 075 BIO 145 37 II
030811 080' SCHEDULED SALE 'OATE . 145 35 II 4
0316 r! U!l !l LI DaD I H
031611 OB7 REJ G80 I 1I 62
031611 305 3RD PARlV SALE OBO I
032611 150 SALE CONFIRI1ED .oao 11
If the referal step and date are not present, or If the judgmententered/granted"or foreclosure sale held
steps have'actual dates, the process needs to be stopped on this file. The file either has not been.
referred to foreclosure yet or judgment been granted on the loan. In these cases, follow the
Reject process.
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Module 4: Reviewing Affidavits .and Handling Exceptions
' :' 1, '
Differences .
IntroductIon . . . ," .
FIgure AffidavIts are rec.elved plank and by the FIgure Informati,?n
always match our sysiem..<if record. Any dIscrepancies are immedIately fixed and new
affidavit is. reprinted ., ' . '. . ' ,;.
How do I vandate each of these dO.ta elem"enis'?
, .... ' . .
Ven'dorscape'
.:: . ",
PAP does not use Vendorscape in the Judgment Affidavit process.
M5P
P190
MIPl
DLQl
o FEEl '
PAYtJ
of Indebtedness
; FOR3
P309-Sl&5S
Other
o lAM (Corporate Advance)
The Validation Process
o FIgures on the Fee Block are validated through M5P- DLQ1, FEEl, PAY4, Statement of
Indebtedness (501), FOR3, and P309 (Screens 1 and 5). In addItIon, PAP first validates there Is MI
on the loan by usIng MIP1.
o The 501 Is created by goIng through the PAY screens. The FIgure Analyst utilizes the informatfon
on the 501 to enter dates and onto the judgment affidavit.
o Any dIscrepancIes. on the Fee Block are ImmedIately fixed and a new afffdavit Is printed.
Signer's Name Affidavit Data Element
How your name appears In your offlcershlp Is provIded to you. upon completion of your certlffcation.
Good Through Date Affidavit Dato' Element
The system date Is the Good Through Date entered on the afffdavit. This date Is found in M5P on
the PAV4 screen. MSP shows current figures through the end of business day the day prior sO be
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sure to Inputthe previous business day for the "As of' date. This date will become your Good
h r o u g ~ date. You must also put "00" In the LmER XP field. Tn)s tells the system to generate a Fe
STATEMENT OF INDEBTNES5 (SOil and not an actual payoff.
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Interest Amount AffIdavIt Data Element
The Interest amount entered on the affidavit is gSneriited using the Statement of
PAV4 ..
NAME
AS-OF 03/03/11 PAYOFF CALCULATION TOTALS 03/03/11 12: 16:36
... - . CONTACT HnIIE : --,.'.
PRINCIPAL GALANCE 230.250.6S ----------- RATE CIIANGES ----------
INTEREST 03103/11 ': .:. .. IB
PRO RATA HIP/PHI
ESCROW ADVANCE
ESCROW BALANCE
SUSPENSE BALANCE
HUO BALANCE
REPLACEHErlT RESERVE
RESTRICTED ESCROW
TOTAL-FEES
5,050.44
.08
.00
.00
.00
.00
INT FROa RATE A'JOUNT
02/15/10 7.25500 IS.OSO.73
03/04/ II
ACCUIt LATE CHARGES
ACCUH NSF CHARGES
OTIIER FEES DUE
PENALTY INTEREST
FLAT/OTHER PENALTY FEE
CR LIFE/ORIG FEE RBATE
RECOVERABLE BALANCE
48.00
1,051.56
.00
.00
.00
.00
.00
1,567.00
TOTAL INTEREST
TOTAL TO PAYOFF
NU/1BER OF COPIES, 1
IB,050.73
264,066.42
PRESS PF I TO PRIm
Interest FrrSm Data Eie;'ent '; . . ':.,
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The Interest dates entereclon the affidavit Is generated usIng the Statement of Indebtedness.
1. Interest From Date that will be placed on the affidavit
2. Interest Through Date that will be placed on the affidavit
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Interest Rate Affidavit Data Element
The Interest rate ehterea on the affidavIt Is generated usIng the Statement of Indebtedness
, . .
PAY3 ,., .. '. AS-Of 03/03/11 PAYOfF fEES AND PERDIEH 03/03/11
----- 1ST PERDIEH INTEREST - ASSESS 11AIVE ------- ADDITIONAL fEES -------
FROM AHOUIIT ,,!! I .00 LOTE CHARGE
II II 2 .00 .
11 II 3 RECORDUm FlEE
N Y .00 FnX FEE
11 \' S .00 DEHAtlD srnrEIiENT FEE
N U G .00 SU5PENS:!
11 l,aSI.56 Accua LATE CHARGES
11 .00 oceull NSF CHARGES
II aD OTHER FEES DUE
---------------------------------- HEllO !TEllS ---------------------------------
PAYHENT Lie 97.63 TYP 13 ST 12 cNTY 031 INV DB I 10 I
PF3: INV COHMENTS, IST------------------------------------- FEE COMHENTS
PRESS PF 14 FOR HEllOS ACTIVE FORECLOSURE
LOSS lilT IND = I DIRECT TO RISK COMPLETED LOSS II!TIGATlON
LOAN IS IN FORECLOSURE, F/C STOP = 3 LOAN PAST'DUE 12 HONTHS
232 DAYS PROJECTED LEGAL DATE
. , .
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Per Affl,dpvlt Data. Element .
". . ...
' The Per DIem. entered on the affidavit 15 generated usIng the Statement of Indebtedness .
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Pre-Acceleration Late Charges Affidavit Data Element
Late Charges are calculated FEEl and FOR3ln MSP. Total late charges accrued from theflrst
legal date are subtracted from the-total late charges accrued on the loan. There are some 5t!tes
where Late Charges are not collected.
States oa;" (Step OlD) Forward
For these stites; eliarges assessed Date ara excluded, The Demand
date (for this purpose)'lstheactual date step found ci'ri'the FOR3 screen: If the
amount calcUlated.!s less than ' on,the '
o ' d':: .:'::-::", :,',.. . J> .. . ... - ;
o DE ': , '
o . .
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o IL :,
o IN ' " ', "
o ME
o OK
States Where Late Charges.Are Excluded from 1st legal Forward: , ,'
Forthese,states, any late 1"legal date-rs E!xCiilded, The Legal date
\.. ' . . ' . . . . ' "
is the actual date ofth.e T01,step found on the FOR3 screen, ,
o NO
o NJ
o NY
0 ' PA
States Wh.ere AU late Charges Are-
For these,states, the'aniount of late charges assessed'shoulialways be ; ero
provided):,: '
o SO -State niqulres we use the amounfthat Is listed on the complaint -which we do not
have to ' -
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" .. ' , ".: \' .' .' '; ... '-:,' .. :',' ...
Qn FEEl ehler'" !'l'qn the Codes field :" " ',',:,',,' ... ,"
" , :' 3:, Retrieve the.NIT
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'4'.: -Enter.the fn .',
5.
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. E): SUQtraetthElseconcfnumbet-fro'mtfiefirst '. , ". .J: .... : . ;" . . . ' ' .
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ScenarIo 2- FlorIda Loan
1. What Is the 1ate used to calculate the [ate charge?
2. What Is the total amount of late charges?
3, What Is the amount of late charges atcrued after your allowable date?
4. Subtract number 3 from number 2.
"" "r
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. :' 3, what after ___ -----'
", 4, Subtract nUYrllier3rrorillniriiberV' , '. , . .
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Ha?ard Insurance AffIdavit Data 'Element. '
" '" ' " "!, '. ". .-
The P309 screen utl!i;e'd to Hazard .. nce figtIres block,
Tax Disbursements Affidavit Data Element
The P309 screen Is utilized to validate the Tax Disbursement figures In the fee block,
WFHM Affidavit Processing Training - PAP Workboolt
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PMIIMIP Insurance Affidavit Data Element
MIPlls used to first validate MI exist on the loan. The P309 screen'is utilized to valldate'the Mortgage
. Insurance figures in the fee block,
11IP J .;:;.:;; ________ MORTGAGE INSURANCE 02-23-11 15:56:4B
NAI1E it :;;t-mHi",; TYPE CONV. RES. ARM
PROP -/i,,'Fii iJC",j;i' t ;;a.\;', liAN [( GROUP
-----HAIN------------------------------------------------------- POOL PMI -----
ACT SEQ OV PAVEE TRll DUE DISB AIIOUNT BILL ADJ FL VP PAVEE POLICY
02 12 .00 Y
III TYPE LPHI IND ST. TAX AHT- INV RSN CD AUTO TERli _
CONP ... [ill RHS RATE % PRI III COV PROP VAL PURCHASE PRICE LTV
I 0.0000 0 162.4
-----_.
ACTIVE FORECLOSURE, FULL SETTLEMENT 01/15/09
LOSS HIT IUD = I DIRECT TO RISK COMPLETED LOSS MITIGATION
LOAN IS IN FORECLOSURE, FIC STOP = 4 650 DAYS PAST PROJECTED LEGAL DATE
PAYEE ----DISBUR5EfIENT AND REFUND 11ISTORY----
mill NO PAYEE HEADER UN)! TVP PAYEE DUE PAID A!IOUNT
NO DISB OR REFUND HIST
Corporate Advance Affidavit Data Element
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Corporate Advance amounts entered In the affidavit are obtained using P309 screen 5. This block will
usually encompass any data element that Is advanced on the loan. Some of the data elements found In
Corporate alreadY Itemized In the fee block. To access this Inf?rmatlon you will take
the following steps: .
, "
' ..
1. Enter "P309".!nto the screen field. Hit Enter.
2. Put "S5" at the bottom right corner. Hit Enter.
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1. Applied - date the fee was applied to the account
2. Due-datethe fee was due, as well as the due date of the loan
3. TransactIon code - thIs Is a code that denotes the type of transactIon that took place.
ThIs code will help you whatthe fee was for.
NOTE: If the transaction code begIns wIth a "6" (DebIt), you add to the total. If It beglns
wIth a "7" (credIt), you subtract that amountfrom the total.
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p309 I_N ou.:':o MORTGAGE LOAN HISTORY SCREEN 5 03-07-11
E "_. ". mV-L"l OlO-135-OC:-
A
- "z nUE 03 .. 15-10 TYPE 13-/1
3R 85 NAN 11 I'-T1PE 1 INT ,05760C";:; FIRsr P6 242,676.66 2ND PB .00
'IUD .00 iIET 1313.12 SF.OOOOOOOO SUSP .00 Sl'OP II S P F II A D L
,EP .00 ReS .00 0 0 0 3 0 0 0 0
APP OS-02 02-22 02-21 02-19 02-12
DUE 03-10 00-00 03-10 12-10 ClO-OO
:L 52 Ot) G 30 co. 1 61 DO 3 51 00 G 31 00
PROCESSOR ICL CHJ;.
MRe.C rep 1'0 . flO 974.76 ,00 .00 ZOo vo
1,054.76 80.00 30.00 80.00
,:,U AU U'.J .00 .00 .00 .00
31<0 CP BAl .00 .00 .00 .CO .00
i'!ftC CP f>J) .00 .00 00 .00 00
NRI<C BAL .00 .00 .00 .00 .00
CORP PAYEE 99RO<1 S9RG1
FCAT03?50lJ ASF'OL I'J.UNIV
REAsotJ CD i-O\f- r-:':PI
ROC
PAYEIi:
NPL ID
Mf.m CK NO
PAGE 001 OF 008
6300,67319
TOTAL TMHS f.'/AII.ABlE 0037 mAN

/sl
4; HIt "FS" untH this balance clears out to zero.
Note: It.doe; matter if the loan:has beyond the that t!ie .chargeS cIear.autto
In the screen beloW you will se.ethe loari,zero's outon 11-13. There listed
for 10-91, however the corporate advance was cleared after that sa we do not worrY about those
charges. . . ' '. ' .'
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Use since the
advance 1n 'accotint any credli;s' th"at appear on'
the loan. ':.;' , , '.. ," '_d'" ' ',- ,
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Property fnspectfon!Preservat/on Affidavit Data Element
Property Inspection/preservation amounts are found In P309; however, at this time PAP does not
collect these fees on the Judgment Affidavits. '
. For Internal Use Only
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Bankru"tcy NfliliJv!t Data I'lement
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and 'C,Ol','tS . In the affidavit are using P309, 5 or
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P309 LN " HORTGAGE LOAN HISTORY SCREEN 5 03-03-11
NAHE :.: ;-:'::.;_,:z.:: INV-LN 010-001-0022261135 DUE 03-15-11 TYPE 13
BR 99 HAN B P-TYPE I HIT . 0515000 FIRST PB I I 1,237.23 2ND PO .00
HUD .00 NET 693.87 SF _00000000 SUSP _00 STOP 0 B P F N n 0 L
REP .00 RES a a 0 0 I a a 0
APP 02-28 01-28 12-30 12-30
DUE 02-11 ' a I-II 0 1-11 0 1-11
TYPE/mAN/SEQ I 71 00 I 1 71 00 75 00 1 73 09
PROCESSOR
IlREC CP AD . 00 I I _80 .00 .00
IIREC 8AL 300. 00 .00 .08 _00
3RD CP AD . 00 .00 . 00 .00
'II
CORP PAYEE
PAYEE
REASON CD
ELOC
PAYEE
IIPL ID
mCR CK NO
PAGE G81 OF 094
630056B39B
TOTAL TRANS AVAILABLE 0020 OLDEST TRAN /SI
Handling Exceptions
Fixable by Reviewer Excepllon
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Non-Fixable by
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Module 5: Signing the Judgment 'Affidavit
. . ; .
!{ey Differences . .
CUrrently
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PAP uses the following system code.s In MSP to Indicate milestone.s in the affidavit process:
o TASK,FC7is - Approved Affidavit .
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o TASK FC726 - Notary completed
o TASK FC727 - Affidavit Mailed
Correctly signing an affidavit once it Is reviewed
. .
PAP does not pass on the affidavit to a SharePolnt team. Once sIgned and notarized, the notary
prepares the flle for Imaging and shipping.
Notating MSP for completed affidavits
Entering the log code In M5.P
1. Enter log code FCDEBT (Approved Debt FIgures) along with all affidavit f l g u ~ e ~
Note: The Good Through date will always reflect the system date.
Module 6: Conciusion
Review
: ... ".
During the training session.you have been presented with learning modules that will assist you In
completing PAP Judgment AffidavIts. Remember to always be 100% sure of the InformatIon you provide
on these documents before you sIgn them. These documents serve as legal documents durIng the
forecJosure process and you can be called to testify on theIr content.
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Appendix A - Official certification letter from the Office of the of
,the Currency (OCC) dated November 1, 2009
() "
NpVOlIIbeT 3,
l'4irlllll .. :s.:HattDll
VlclIl'mld.OIII
Wc!liJ fpigo fI',,*,;NQIionoIADsocl!!llon
,'; ",' "
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, .Al'JlUoiltloi WacljovlaMort!lJlli North 1o'ballonB!, ' ,
' : ' , l:mlllumO nppllOlllion lo:mlllgsih.\IQlr'IozlcdlmDkwllhlind futooW&ll::llIu::g,iJ llllllk, 0 " "
" NnIIm:lnl ,(i.sBoIilon,.Bl"""l'an..SOUIhDnkola ',, ' ' ;,;' ," , ,
, , ApplloJIliOll, Nmo.1>!ni"'20Q9.}4L-1)-ooo1lUld ..
" , " ,
;, ':
(OCc) o:f1h. '

',:IJimi" Wo1Js.lIlIlJi<l BlO11I SOu1J:rrIOst, 1, 2009: '.l11isls
!I1SO,the offia!IIl ,IIOrtI6cutioorlll motga 'Wells l'aigiJ'!l;ru.: So1ltl!west, ' : "
" rmd inlo'l'1ol111lllugo lllllli; NJIliom>l A.socl.ili<m, IllDUx P.alIs,'S011Ihll*OIll, '" '
',' .
"
"
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, .l'Iavcmbllt 1, 2009. , ' , " , , " ,
, bll'l; CODIllclmeill'(202) B74-Sl94 O)"o-;v, cll18ll nl:, ", ' ,\
. , IlOIllIOllllJinb":""I11lDI'bi:ra " ' "
ID BIll' " " " " " ' :, .. " ' . ,,',
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Appendix B NotiCe of Amendinent 'of Charter Bylaws letter from the Office
ofThrift Supervision (OTS) dcited.No,!ember 19,'200!
Of!ce of Thrift ' ..
Dopartll!eDt oft1l.e '.l'!elL9WY ..
. lIIo/lo/fJ3 J. DJ'''
." '. JlI.!IstI11ltl/'CicmtdDlr6ctOl' "
JonIpctO.Sen.llouJoml. s.ltGOSo, Iloly Cifl, CIt. 940i4-1916 :
P.O.Jloxll!5. SinF_l!oo, CA.'412Q.116S To1'P)!On"(6SO) (6;0) 74507001
..
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lolmA. Stakei;Bsq. .' . , .. .. . ': ....
VioaP.reslilontandksllllantGeneo:alCounsel .... . '. '. . . . ..... ' ..
Car.POration
Legal Division '-NC06S0'
On/)
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301 S01Ifh ChlIrlotte Street
Cllailottc, NO WS8' .
:. 0; 1'0' .. ,.
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Dear Mr. Stoker: .
" ."
. Re: World Savings Bank, l1SB, Oakland, Capfomla
Malice of.AmmldJnentofCbmterandllylaws
This isinrespollS01o your 8;.20in, with enclosures,.which YOll
filed Officeof'lbrift onbelWfofWOIldBavblgll BIUlk, 17SB
10 amend thoMvlnssbllllk's a1utrIar bylnwsw ohangs !ts =0 WachoviaMOItgage.
"ESB!llld rcfleohi ohange in the looa'tioll ofilBb.ome offiCe. The neW bome offiell lid<lr\$a
, .
Is 6825.A11an!o ParltwllY . North1as Vegas, Nevada,
. .' ..
Thbfustul)uonmetthot6quiIemtmt!tof12 c:F.R. 552;4(\)) !llld552.t!(b)(2),.!md the
proposed limendmentS will offeotlve Deoombat 31, :2007; as sat'iorth. in 1h .. Board 6
Directms' resolution ado;ptingiho chlmgas to the ohin1er"andbylaws, The.flliugalso met.
thetOCj\liroment'of 12 Bavlngs.?aD!<no1lfy1he if,there in'll :.
c.hahge in pC)D)ancm address ofilsb.omo office.. . .. . : " ..
Please fuel to (6S0) 746-7025 if theta are anY
. .' .'
'co: RobertBUlllJ,FDICAfumta
Sincemly;
. it-ok-&" T :J)r .
Nioholas J. Dyat
AsSistantRegionalDiteetor :
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Appendix C - Articles of Combination .. dated and effective December 31,.2000
.AlU1CL'BS OF COMBWATlm{

WORLD BAVlNGS AND WAN ASSOCIA'l1ON.
AJ1l3DBE!>L BAY1NGS AND J,OAN ASSOC1A'l'lON
T.E!ESBAR:1'let.Bs 0'P as 200D (tho
".Adlol.es'? ens adopted byWorldSav1nga l3acl<.IISB,:a fbd!lmlly bank'\Vllh.!fs .
p.duciplll lit !90rl!lllrlsan Sb:cllf, Ollldund, Cn1lfornla C'l1BB") tlIId by Wol'ld
." Savlngl! <rodLoan.AllsoclatlOll, ePedetlll Savings and Lo'1l1,AssoolattQll. with lIS prinolpal ofioes
lotlalcdat 1901 :e.mson Street, Oakland. Callfomi'a. C'WSLA!}.
.' .
ofWSLA "",11"SB havednly.mlo,ptd BIId
Bpprollllti Mcigorlllld thDl'Jan ofCQmblnnti01l, as
" AND WHBRBAS.tho 'PIan oCombirurtlon set-forth 11erclnhas beM. by aU
tho oi'PSB. .
.AND WHBrulAS, th9Plan ofCombinllllon aeUorth herein has be;l1l!.P,PIOVllti by 8lI
_ ......... -_ . . .... _ . , ._- - ... - - ... "" . ..... -..... .
NOW. Tm!ll.I3FORB, thcs ofColnbinatlon lUll ner.by ndopmli.
. . .
.ARTICLBI
pLAN OF COlldBlNATIGN
. 1. t. Th'PTnu9fCmnblnalkm, This:tll;lll or combInation (th. "l'Ian of CQl!1blnatlon")
sob! iorilt tb:Jtanns aftho wIth Mci Into PSI! (th.e wIth PSB '
IiUwlvmg(lho "SllrVivlllg Instirntiol).'l), and the WSLAshateboJder iccehflDg.tlle Donsldatnll.tm

1.2. Effeot ofili. Merw;. From BIIda!terlhc Bfi'colive Tim. (lIS botelnoftcr defined), the
8tuvlvJng lnstltulioD, U! afederal saving. bl!llk, is andl;h.n be oDllSldered tho Bl1aID bnsiru>ss aud'
(iOljlomto "".h ofWBLA jlJjdFSll, and ell .assotsandpio,p.t!yofllSll QIld WSLA,
w!lhOll! ilJrtber.@I,J$lhel'roperly of tho SlllVlvlnS JiletUutlon to tho SlIIlIC COItent as !!beyworc
111. ptqpMty ofWSLA lU1d FBB, and Ihe Burvi'ling lnst!tutlon tBed'shaU b. noontinUallon of
FSB tlnd WSLA. All rlgbfs and atWSLAehllllnmlliD linimpatred,-andFSB, allho
llf!bO!ive TIJIlo, Wooeeds 10 IlIl tbos. rights aud "bllg.llons, BUbjeutjO th.1romo Ownel!l' LIlllIl
Aol Uld olb ... BppUcalii. Tho Sorvlving JilslilUtlon Is ll!\d shllll be subjcctlO and bl>
doomed to.haVo assumed all o!tb. dobls, obUgatio'1l3 and' dull.", otcl1llh ofWBLA and
JlSB andaucoccil.l0 <Ill of eaoD. oflhofuol.tlOll.Olhlp", fiduolnzy ot o!her",I ,.s:!\lI1y OIld to th.
sllmO extent cS if such properl)' rlghlB;prlvnogos, pow ..... francbises, d'ebl8, duti ..
and rolationships hed been orlgintUly IUIquJrod, jnoumd or .ont<:red into by the SurvJvjng
institution. In cddltlOll, nnypondtngaotlon or othor judlolal prodeodins'to whioh clther ofWSLA.
or FSB Is n l'nrf;y .hall Dolbo dcellled to llave abaled or to ba.ve dlaoontlnued bylOIl!!On nftho
Morgl'l", bntIIlnY b" prosoOllt.dio itnalJudg!lletlt, or do.reolD tho.samo manner .. iftbe
Merger had llotbeen or1M SIlMVIlIg Instltutlon rony be aubst!\!lIl:d as a party to snoh
action otproccedlng, tuld order or doore!> may bo renderediO! or lI!l'1iDflt lt1hat
might hava bennrendmd for or .linIust elthor nfWSLA or PSB ICthe Merger bndnot
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ltirect!va TIJ\1f1, thBdirecla!'B and oflleara oell!o SIl1'I'IvJn.g 1ns!l!utlonM! l!.1let
aIw11 flD deslgnuted hi Bellllon 1.5.
, . . ." .
U, &l!l!!Imr. :Fha Cht\tlerotllSl>
prlorto IhD IIQlainended by !he Metger, blltsbBl1 crintlJnlefl! \ha CharterQftha
Sumv"AlS !Ilstilllllon 1IllTe.iGl!.1ld until olhCtWIBe amudlid aa ptovlded bylaw. . '.
'. .1.4. klm
prior to lh$:BftectW4 Tlmo abll11 llS. o1't/1$ Sutv1v1n,g rnmItuIlon \lIlI!t.
oIhe.tWlsa flIw. . .
1.5, DltMtomlll!q .. Tied!reclorB andcflii:';ra of.PBaaAilE.themrooi!veThn".
shall cOlllmtll! millie dUeolO1ll nnd-o!l'roexs OflboSurvivmg'l'nstilutloll, cl!angcustruJ
Bolltdoflllmlolll or s1\arDholdor ofthB SurvivIng Institution shollctctotmlllO'ln aorol'llllllcowlth
tho byla.w.
.
1..6, EMI!lOffJoe: Thobe olIlcallfilSll shsll be tho hOIllll offiao SorIivlng
tnstll\lllon, ..... . .. .
.
'.
1.1. Efti!ctiya Tillie 'lll.d Cloelng,' Tho MWe\' Is llfieotlvo Peoembor 31, 200D, fo1lowlJ1g
.. tllOl'=eJlipt ofan I!llcessuytegidatory IIpWva!s, !lie 62tlBfhnilon ofall condi1!onsoonfaimld in - :: ...... - "
snoh Ilppl'l)vnIs, illItIIioationand DJIiu:o'9iIl'Jiy all:nnCOSBar,YtogUl/rtOJj' mUhorities of tho lif
SII(lll effiwfivenol1S, end IhQ e;tpltiIt!OJi ofaU sfa!il!ctyw!Iillog:p!lliod.!l in tespeat iIweof (!be
"
1.S; ,QmvnWl!ll'Jj:gwlroonWnok.
,'hara, ofWIILA CllllUllOll StoQk'?,!ssued AlId outstanding Immeil.latslyprIott? ibn
;Bfil!ot!ve 'l'Imo, It, by vlr!tw nnynottotl lin tMpl\tt ll!hO hohier
Ihl!teof, oi'COJIlIllons!ockllfl1Sa, . .
A:R:I'.!CLB ]I
. AfPROVIlLOF))lREO'l'ORSANDSl:tAlU!:a0WEM 01 VlSLA
. C!ivJtsJjpitlrui. The :mthorized
. sbaxes ofWSLA CommanStock, S1011lll'value, ofw:bieh15,OOO
shm5qfWS.LA. COllllllon oUl6Isndlog, .An \ssuC\iJllldoufstan(ling sliares
fWSLA COllUllon Stock:wero{luJy $ut1IorlzMand JIlld .'
.l1ClIllSsllSSnblo. <. -... .'.
. .
i2. 8Jll'9Ynl. Tho oODSllIIIDlalwn oflho ItanSSUtiODS aonmmplatedby these ArlioleSwas
, dulYlllId "I'1II11ll)' 1!ppnrlled almrehalJ!cl>. and by !lie l3ll11Id ofDirectoll1 ofWBLA In . .
.lICcordtjnce with !he CharterofWSLA Bnd app!icablelnws md r.ogulatlone. .Alllj,OOO
onfalnndl!!g SlmrllS ofCo=n StnakofWstA worevoled for tho MJlrsli:nO shares W/)IIi v.oted
ngeinsl!he MlItlIcr. Extep! for such nplJWl'a!s, no athot corporato proceedings on tlu! 'pa:ctoi'
WBtAaremee.9BlIIYto !Ilmaftlions$o contemplated. Thesc.Allioles havo beon
{\uly and valIdly mQutcd lllld WilLA. .
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ART.tCLB m
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APPB.OYALQFDIRECTORS.A'NDSHARBROJ,DBrulOlIFSB
.
s.1. WI!a!WHon. Thoauthorlzc:d
Me:tgm'. colJsbll\d:of30,OOO shares ofFBB Comml1liBllIok, $10plltvalno, ofwblcb 15,OO(}
CoJlllllOllStoakmxoiBmled!llldo1l!stimdlng, AIIlBlI\lcd.andwtslalldlngalulm of
l1SB and VAUdlylaBucd, 1IlO:1iIJlypald,
. A1l'prOY!!1. QftbG trDnsao"Dns by lh=Io Art!oJI:S VlII8
daly and valldlynpprovcdliylhe ahl!(o!)ol\let nod by the I)Dhrd orn,Jreotottl afllSI! in aooordnons
with tho cJim1er ofliSB Il!)d nppllQabl6Jawa mid regulnt!on:j, AU 15,000 oublnIuling/llnn'es.'()f
' CTu:!moii al-.aillS 'WailIwllld 2g-.h1st th3 Ma.-ger.
Bxccpt!Q181lQh approvals
J
9J1 dulplltt pfFBB aro neoessaryto
oOllS\llllllla!lfllo tmnsuctlOllll ao ccDlllmplulod. Tlleso ArlIo!C! bavobeen d\Il;y ana vaUdly
by:FSB.
. INWITNBSS Wl1JlimOP,1SB by
Ihcit duly alilhorlu!1 llII oflho (Iny
.. __ .... _ ....... t.:.. ..... _._._ ... _._ ... _____ . _ . ___ ... _._' : ............. _ .. __ ..... : ..
World SAvrogallaDlr,l'Sll
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By; ,f/!!ftI!8Ikof" . ' ....
CbI6fl!;t .
. . ..
World S1lvings and L1lJu\.AssoaIaUon, allodeml
SavillssltndLoJUiAssoclBlion
. .
+
By:
ScnlilrR'Ccoullvo Vioali're3lden1
.'

, Sccretmy
Vorificd by:
lljl sonloiVioe President
'.
GrOllp k<>PIeSldent
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ART/Cum OF OOMBlNA110N
The'foregolng Arlloles of Comblnalfon concs.mlng tha merger of World .
SavIngs and Loan AssociaUan, a SavIngs and Loan Ass{Jclatlol1,
Oakland, CaIlfornIa. willi and infOWorfd Savings Bank, FSB, Oakland;
C:allfomla, wet&"flled wllh .the Corporate Secretary ofilie Office of1hrlft
SupervisIon, and endorsed pursuentto 12 p.F.R. Section 552.1?(J) ofilia Rules
. fgr Federal Assoclallons. aniNe the:!?! day of
,2000;
, ..... - OFPlCa Sit THRIFT SlJPImVISlON--,--- _ .. -
D!l)lartment of tbe 1\'aasury

By: ;.,:.:.;'
NatUne-Y.
Its:' Secra!aJy
..
WFHM Affidavit Processing Training - PAP Workbook Page 27
For Internal Use Only' .

4 Wells Fargo Home Mortgage ... WFHM... Affidavit Processing Training ... and ... PaP Workbook - Ancilliary Documents Which Correlate To... Attorney Procedure Manual

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