October 1, 2009

Re: Qualified Written Request Dear ________________: This letter is sent under the Real Estate Settlement Procedures Act (RESPA) section 6 and all other applicable provisions of said act. On behalf of ___________________ I am writing to request the following materials: (1) Copies of all documents pertaining to the origination of my mortgage including my loan application, Right to Cancel, Deed of Trust, note, adjustable rate note, Truth in Lending statements, Good Faith Estimate (GFE), HUD 1, appraisal (including comparable properties, which were used to arrive at value for the above loan, and all required disclosures. These copies should be legible and all documents shall be copied in their entirety. (2) A copy of the loan history including all payments made, all fees incurred, what has been paid out of the escrow account, and how all payments were applied. This information should cover the entire life of the loan. It is our contention that either, the loan terms were misrepresented at the time of closing, or payments made to the servicer on this note were inaccurately charged, and/or posted. These have caused undue and unnecessary financial and emotional stress. Additionally based on my review of the facts there exists a strong possibility that the loan terms may have been modified after signing. I am very interested in the time period [after insert date], when payments started increasing. It was at this time [that _______ became ill, and was not able to return to work for six months (until November 2006)]. [During this time, unfortunately our financial reserves were drained, and we were forced to shuffle payments to avoid foreclosure, car repossessions, utility shutoffs, etc.] My office has been in contact with numerous people within your customer service departments, loss mitigation departments, and recently in the process of trying to bring this loan current, or attempting to renegotiate this loan. We were advised that someone would contact us and there would be no problem getting assistance to bring the account current. However to date there has been no effort on your end to communicate. The family I represent has been proactive in this process and does not want to lose their home.

Further should it be necessary an application for a hardship withdrawal is in hand, to bring the loan current. We must have a letter with an amount to bring the loan current, and after an industry professional reviews all documents, and agrees that the amount on the letter are accurate, I will advise __________ to begin making payment to bring the loan current. My office has been given the runaround by your voice recognition call routing system on numerous occasions. I have talked to various agents with different versions of what the loan modification process really entails. I have been re-routed to the wrong department or individual, dozens of times. In order to comply with Section 6 of RESPA you are required to acknowledge this request within 20 business days and you must try to resolve the issue within 60 business days. In closing my clients are not trying to get out of paying anything only getting the loan current, and to proceed with timely payments for the remaining duration of the loan. Sincerely,