!!!!!

For Borrowers Is a Short Sale right for you? Check to see if you fall under any of the following scenarios: • You are behind on your mortgage payments due to a financial or situational hardship. • You are current on your mortgage but will soon fall behind due to a financial or situational

hardship. • You want to sell your home to avoid foreclosure • The value of your home is less than what you owe on your mortgage. If you have questions about how the Short Sale process that may affect your credit score, tax situation or other legal situation, please consult with your attorney, CPA and/or credit score specialist.

Questions?? Loss Mitigation Department (410) 779-1000 Submitting your request for a workout review does not stop the foreclosure process. All normal servicing including collections, and/or foreclosure (if applicable) will continue unless you are otherwise notified in writing by your mortgage lender(s). Upon receipt of this completed application and executed documents, a client coordinator will assigned to your account. Your lender(s) will need to determine the fair market value of the property by arranging a BPO “Broker’s Price Opinion (exterior or interior). ATC Financial, LLC is not a foreclosure rescue service nor are we a loan modification company. ATC Financial, LLC is not associated with the government, and our service is not approved by the government or your lender. If you decide to accept our service, your lender may not agree to change your loan.

ATC Financial, LLC 2331 York Road, Suite 301 Timonium, Maryland 21093

410-779-1000 Office / 443-578-4673 Fax

SHORT SALE or Pre-Foreclosure Package Submit your completed request for immediate assistance.

ATC helps real estate professionals facilitate short sale negotiations for their clients. We provide this service for several reasons. Due to the overwhelming demand on short sales, Realtors, Title Companies and other real estate professionals may not have the capacity to thoroughly complete the complex set of tasks, disclosures, and handle potential liabilities associated with the short sale. We provide education to their clients of their potential outcomes so that they can make an informed decision on the approval of the short sale. We have client coordinators who handle all the document preparation. We have case managers assigned to each client so that each file is hand-held throughout the entire negotiating process. ATC does all the work from gathering all required documents from the clients, making sure the short sale package moves forward in a timely manner, negotiating the terms of the short sale to the best of our ability for the seller, coordinating settlement with the title company and Realtors and everything in between. Our Objective: 1. Our first goal: a. To obtain a short sale lien release approval. This allows the short sale to be completed. This may involve more than one mortgage. 2. Our second goal: a. If the terms of the short sale include one or more of the following, we will do our best to negotiate these terms in the best interests of the seller. Our goal is to eliminate these potential outcomes. (Note: Variables such as seller financial condition, lender investor guidelines, and state law will dictate final terms of approval)

i. Cash Contribution required by the seller at the time of closing ii. New Unsecured Promissory Note issued by the lender(s) to the seller iii. Deficiency Judgment; Issue or Waived: depending on state and investor guidelines

One of our valued services is that we provide weekly updates to our Real Estate agents on both sides (sellers and buyers) a completed package including a valid sales contract has been submitted and verified received. These weekly updates go out regardless of whether we have no news, good news or bad news. Finally, we make sure our documents are within guidelines of the DLLR and FTC MARS ruling. We absolutely do not charge any UPFRONT FEES. (See our Fee Schedule Disclosure)

WE DO NOT STOP FORECLOSURES NOR DO WE ADVERTISE THAT WE ARE A

FORECLOSURE RESCUE TEAM.

Our Service Offering

Or email to: documents.atc@gmail.com Or fax to: 443-578-4673

1. Our Service Offering: Please read thoroughly

2. Seller Checklist: Print out and initialize each section as it is completed.

3. Personal and Property Information: Complete in Full

4. ATC Financial Service Agreement: Sign and Date

5. ATC Fee Disclosure Schedule: Sign and Date

6. ATC Short Sale Approval Summary Worksheet: Sign only

7. Authorization to Release

o Fill in Name of Lender, Loan Number, Lender Address, your Listing Agent’s Name, Borrower(s) Name, Date of Birth, Social Security Number(s), Phone Number(s)

o If you have more than one lender, print out multiple copies, complete and sign

8. Financial Statements (Assets and Liabilities, Income and Expense) Complete in Full and sign/date.

9. Loan Modification Waiver: Sign and Date

10. General Waiver

o For those who do not have tax returns, bank statements or paystubs, you may use this form.

11. Hardship Affidavit & Sample Hardship Letter

o Check all that apply, provide explanation (separate sheet if necessary) sign and date

12. Arms Length Affidavit: Sign sellers side only

13. 4506-T: Fill out lines 1a, 1b, 2a, 2b, if applicable then Print and Sign

14. Dodd-Frank Certification: Complete in Full and Sign

15. HAFA Decline Letter: (If you do not wish to apply for HAFA, Sign and Date)

16. Questionnaire Addendum

17. Information Statement: Sign and Date

18. Notice of Cancellation: Keep, if you choose to cancel within 3 business days.

Items Required for Review

CHECKLIST: Fax to: 443-578-4673 or Email: documents.atc@gmail.com

PERSONAL AND PROPERTY INFORMATION (complete)

ATC FINANCIAL SERVICE AGREEMENT (sign)

ATC FEE DISCLOSURE SCHEDULE (sign)

ATC SHORT SALE APPROVAL SUMMARY WORKSHEET (sign only)

SIGNED AUTHORIZATION TO RELEASE FOR EACH LOAN

MOST CURRENT MORTGAGE STATEMENT FOR EVERY LOAN ON THE PROPERTY INCLUDING HOME-EQUITY LINES (All liens, 1ST, 2ND, etc!)

45-60 DAY PAYOFF STATEMENT FROM EACH LENDER

FINANCIALS (ASSETS/LIABILITIES, MONTHLY INCOME & EXPENSE FORMS (complete and sign)

TWO (2) MONTHS MOST RECENT BANK STATEMENTS (Official Bank Statements (printouts or pdfs are fine, but not webpages)

LOAN MODIFICATION WAIVER (complete and sign)

GENERAL WAIVER (if applicable) (complete and sign)

HARDSHIP AFFIDAVIT (complete and sign) (if necessary, you may ADD a hardship letter (see template)

ARMS LENGTH AFFIDAVIT (complete and sign)

DODD-FRANK CERTIFICATION (complete and sign)

HAFA DECLINE LETTER (Not applying for HAFA, complete and sign)

QUESTIONNAIRE ADDENDUM (sign) Employment Information

TWO (2) MOST RECENT PAYSTUBS

TWO (2) YEARS OF W2s

TWO (2) YEARS OF TAX RETURNS (1040s Federal Only) (SIGNED AND DATED)

4506-T (FILL OUT LINES 1a, 1b, 2a, 2b, IF APPLICABLE THEN PRINT AND SIGN) Please note, banks require 2 years of SIGNED tax returns* and the SIGNED 4506-T.

*Sign and date copies of tax returns on page 2 of the 1040 form. If Self-Employed

PROFIT AND LOSS STATEMENT FOR LAST CALENDAR YEAR AND MOST RECENT QUARTER

!"#$%&'()*&+%#,'-*%&

./00/120

!"#$%&'()*

+($%&'()*

,-."(/&,*.0#"%1&'0)2*# 33333343333334333333

5(%*&-6&7"#%8&9))4::41111; 33333343333334333333

5(1%")*&<8-=*&'0)2*# 33333343333334333333

>?*="=@&<8-=*&'0)2*# 33333343333334333333

A*//&<8-=*&'0)2*# 33333343333334333333

>B)("/&C::#*$$

C::#*$$&9D8*#*&1-0&/"?*;

A"%14,%(%*4E"F

>)F/-1*#

<-$"%"-=

>)F/-1)*=%&5(%*$ 33333343333334333333%-&33333343333334333333

C==0(/&,(/(#1 G

3/4./00/120

!"#$%&'()*

+($%&'()*

,-."(/&,*.0#"%1&'0)2*# 33333343333334333333

5(%*&-6&7"#%8&9))4::41111; 33333343333334333333

5(1%")*&<8-=*&'0)2*# 33333343333334333333

>?*="=@&<8-=*&'0)2*# 33333343333334333333

A*//&<8-=*&'0)2*# 33333343333334333333

>B)("/&C::#*$$

C::#*$$&9D8*#*&1-0&/"?*;

A"%14,%(%*4E"F

>)F/-1*#

<-$"%"-=

>)F/-1)*=%&5(%*$ 33333343333334333333%-&33333343333334333333

C==0(/&,(/(#1 G

!"#!$"%&'($)*"+!%+#,

!""#$%%&

'()*+,)-)$+.(/

0%1)2$1/#3/$#)*1345$#13667/($"8 9$% :3

0%1)2$1/#3/$#)*1-1%$635"123;$8 9$% :3

0%1)2(%1/#3/$#)*1535<345$#13667/($"13#1-51(5=$%);$5)1/#3/$#)*8 9$%1 :3

0%1)2$1/#3/$#)*1=-6-5)8 9$% :3 0>1*$%?12341@35A8 9$-#% B35)2%

0%1)2$1/#3/$#)*1C$(5A1;-(5)-(5$" 9$% :3

D%)1B3#)A-A$1E3@"$#&F%)(;-)$"1G-@-56$ H

I*/$13>1@3-51J%$@$6)135$K& *-./0.12-.34'5'678'5'98

L5"1B3#)A-A$1E3@"$#F%)(;-)$"1G-@-56$ H

I*/$13>1@3-51J%$@$6)135$K& *-./0.12-.34'5'678'5'98

M)2$#1B3#)A-A$F%)(;-)$"1G-@-56$ H

M)2$#1N($5%1JI-O?1'#$"()1'-#"%?1E3;$1FP7()*?1$)6QK

R31*3712-=$1-1S3#$6@3%7#$1R-)$8 9$% :3 0>1*$%?142$58

!#$1*371'7##$5)14()21*37#1B3#)A-A$8 9$% :3 0>153?1"-)$13>1@-%)1/-*;$5)

R31*3712-=$1B3#)A-A$105%7#-56$8 9$% :3

!#$1*37167##$5)1351EM!+'35"31S$$%8 9$% :3 0>153?1"-)$13>1@-%)1/-*;$5)

:-;$1-5"1T235$1U13>1EM!13#1'35"31!%%36(-)(35

E-=$1*371C$$513>>$#$"1-1@3-51;3"(>(6-)(358 9$% :3

ATC FINANCIAL, LLC SERVICE AGREEMENT THIS AGREEMENT (the “Agreement”) is made and entered into as of______________________________________, by ________________________________________(“Client”), residing at ________________________________________ ___________________________________________________________________________and between ATC Financial, LLC, (the “Company”) offering short sale negotiation services offices at 2331 York Road, Suite 304, Timonium, MD 21093. WHEREAS, the Company, from time to time, may offer services (“Service”) described below; and WHEREAS, Client seeks to obtain certain credit services from the Company pursuant to the terms of this agreement; and WHEREAS, the Company’s registered agent who is authorized to accept service of process in Maryland on behalf of the Company is Gerald Chapman whose address is 5411 Blackistone Road, Bethesda, MD 20816. NOW THEREFORE:

• Client desires to facilitate a short sale transaction and has agreed to have the Company represent the Client in connection with one or more outstanding mortgage loans secured by the Premises.

o The Service shall consist of gathering all documents from the Client required by the Client’s lender(s). o The Service shall consist of facilitating with any lenders with secured interests in the Premises for a short

sale transaction. o The Company will use its best efforts on behalf of the client to obtain a short sale lien release. o The Company may retained legal counsel to assist in all short sale transactions.

• There is no upfront consideration for the Service that will be charged to the Client o Payment of Service will be made upon settlement from the proceeds of the sale of the Premises based on

terms between the Company and/or the Client’s lenders, and/or Realtors, and/or Buyers. ! (See Fee Schedule)

• The Company has the right to immediately cease any further work on Client’s behalf and Client acknowledges that this may result in adverse consequences to Client from the lender.

• If Client takes any action to jeopardize any negotiations, Client shall remain liable for all payments and outcomes due or to become due hereunder.

• The Client may cancel this contract at any time prior to midnight of the third business day after the date of the transaction.

o In addition, the Client upon written notice, may cancel this contract at any time if the services or terms of the short sale are not acceptable for any reason (See attached Cancellation Form).

Client specifically acknowledges that the Company has made no promises or assurances as to the outcome of the Service other than that the Company will use its best efforts on behalf of the Client. Depending on the Client’s total financial situation and level of hardship, the terms and outcomes of a short sale may or may not include a deficiency balance by your lender(s) and/or cash contributions and/or promissory notes that may or may not be required by your lenders. The Company makes no promises or assurances as to a full debt and lien release. The Client may or may not experience adverse information that may appear on the Client’s consumer credit report as a result of the short sale. The services to be provided under this agreement specifically do not include representation in any litigation which will only be undertaken subject to a separate negotiated agreement. Further, the Company has disclosed to the Client that a short sale may have income tax implications. The Company does not provide tax advice and recommends that the Client seek advice from their tax advisors. The Company is not associated with the government, and its services are not approved by the government or your lender(s). Even if the Client accepts this offer and use the Company’s services, your lender may not agree to change your loan. IN WITNESS WHEREOF, the parties have executed this Agreement as of the date first written above. Accepted and agreed by ATC Financial, LLC and __________________________________________ ________________________________________

Date Date

ATC Fee Disclosure Schedule

PROPERTY:

SELLER(s) NAME:

Our short sale negotiation service fees are subject to 3rd party approval and each bank approve fees differently. ATC may receive partial, all, or none of the fees listed below as a result of executing the short sale on behalf of the seller.

THERE ARE NO FEES CHARGED TO THE SELLER.

A. Fees to be paid By Short Sale Lender(s) subject to 3rd party approval. Banks may approval all, some, or none of these fees. We may reserve the right to rename any of these fees as banks may have specific items that have to be labeled a certain way as each of them have different policies.

1. Credit Service Fee and/or Attorney Fee: 1% - 1.98% of sales price of short sale property 2. Settlement Fee: $1000.00 - $2,000.00 3. Title Services: $1000.00 - $1500.00 4. Document Preparation: $350.00 - $500.00 (Depending on the number of liens) 5. Lien Review: $250.00 - $350.00 6. Mortgage Payoff Procurement: $350.00 7. Negotiation Fee: $500.00 - $995.00 8. Notary, Overnights, misc: $75.00-$150.00

*In the event, there no cash contributions, promissory notes and/or deficiency judgments, ATC total fee collected may exceed the amounts listed above or if approved by the seller.

First, we perform our best efforts to obtain a short sale approval. Second, if there are any terms such as seller cash contributions, bank requested promissory notes, and deficiency judgments, ATC will negotiate these terms to the best of our ability. The Seller has the right to refuse the terms of the short sale at any time.

DEFICIENCY JUDGMENT DISCLOSURE STATEMENT REGARDING FEES.

Deficiency Judgments are applicable by State Law. In a deficiency State, we are not always able to have this deficiency waived due to circumstances beyond our control.

Seller acknowledges and approves that ATC may be compensated by the short sale lender and other parties according to the Service Agreement an amount equal to five thousand ($5,000) in credit service fees associated with the transaction even if a deficiency judgment is not waived for the short sale. The Seller fully releases ATC of any liability as a result of this particular compensation and outcome.

SIGNED___________________________________DATE_____________________

SIGNED___________________________________DATE_____________________!

ATC Short Sale Approval Summmary Worksheet

Print Name & Signature

Print Name & Signature

CLIENT:PROPERTY ADDRESS:

PRIOR TO SHORT SALE Approximate Payoff1st Mortgage Amount2nd Mortgage Lien

AFTER SHORT SALENet Proceeds to 1st MortgageNet Proceeds to 2nd Lien

Cash Contribution 1st LienCash Contribution 2nd Lien

Promissory Note (1st Lien) Amount Term Interest Payment

Promissory Note (2nd Lien) Amount Term Interest Payment

Is a Deficiency Allowed?

1st MortgageDeficiency Judgment Issued?

Approximate Deficiency:

2nd MortgageDeficiency Judgment Issued?

Approximate Deficiency:

A deficiency judgment is an unsecured money judgment against a borrower whose mortgage short sale did not produce sufficient funds to pay the underlying promissory note, or loan, in full. The availability of a deficiency judgment varies from state to state law.

We have been fully disclosed on the outcome of the short sale for this property and we acknowledge and take full responsibility, if any, of all financial obligations associated with this short sale.

DO NOT FILL BELOW: WE WILL PROVIDE THE RESULTS AFTER THE SHORT SALE FOR YOU

ATC Financial, LLC 2331 York Road, Suite 304, Timonium, MD 21093

410-779-1000 Office / 443-578-4673 Fax

AUTHORIZATION TO RELEASE INFORMATION

PROPERTY ADDRESS: (street, city, state, zip code)

____________________________________________________________________________________

This release will be used for the purpose of facilitating the transaction contemplated by the listing agreement between the undersigned and ATC FINANCIAL. It will be used to obtain personal and financial information of the undersigned. The authorized parties below shall use all reasonable means to ensure the information provided is used for the purpose set out below. The parties listed shall not be liable and shall be held harmless from and for any claims of loss or damage in connection with the use of this authorization. I hereby authorize:

Sean Der, James Weiskerger, Suzanne Horne, Diana Grueva, Kendall Manges, Steven Link,

of ATC Financial and/or my designated agent/realtor: , assistant, Title Company or its agents to verify any and all information pertaining to the mortgage or the property detailed below and any additional financial information pertaining to this property, including homeowner’s association, taxes, liens, and any other encumbrances. In addition, I hereby authorize the parties listed above to negotiate the terms of a short sale payoff and to deliver documents that concern my request for a short sale payoff. This authorization shall remain in effect until revoked in writing and a copy of such a revocation is provided to all parties listed above. It is understood that a photocopy or a fax of this form will also serve as authorization.

1st Mortgage Lender: ___________________________________________________________________

Account #:_______________________________________ 2nd Mortgage Lender: __________________________________________________________________

Account #:_______________________________________

! BORROWER 1:

___________________________ ___________________________ _______________ SIGNATURE SOCIAL SECURITY NUMBER DATE OF BIRTH

___________________________ ___________________________ _______________

PRINTED NAME CONTACT PHONE NUMBER DATE

! BORROWER 2:

___________________________ ___________________________ _______________ SIGNATURE SOCIAL SECURITY NUMBER DATE OF BIRTH

___________________________ ___________________________ _______________

PRINTED NAME CONTACT PHONE NUMBER DATE

!"##"$%#&'()*)+(*,&-.*.%/%).

*--%.-&*)0&,(*!(,(.(%-!"#$%#&'()*+,#&$""&$''"+-$."#&+/0)(1$2+)/

01234567589 %27:&;<=>1&?<@ *A8>97&"B1C&?D@ )17&;<=>1&?<ED@

3 4$%5

6 7""&45#-8+/9&:&;$*+/9%

< 4#(2+0+-$2#%&)0&=#')%+2&>4=%?

@ ;2)-8%A&B)/,%A&CD2D$"&ED/,%

F .87<=&,5G>5C&*22172&?<CC&=5912&HEI@

F !(+1$(G&H)1#

I J25#(&K#$"&L%2$2#

M 7D2)1).+"#>%?

C$8#NNNNNNNC),#"NNNNNNNO#$(NNN

C$8#NNNNNNNC),#"NNNNNNNO#$(NNN

P 4$%5&Q$"D#&R+0#&S/%D($/-#

3T !#(%)/$"&!()'#(2G&>4)1'D2#(%A&ED(/+2D(#A&#2-U?

33 J25#(&7%%#2%&>R+1+2#,&!$(2/#(%5+'%A&#2-U?

HJ .87<=&)89E,5G>5C&*22172&&?<CC&=5912&KEHH@

3< .87<=&)17&;<=>1&?<CC&=5912&F&L&HJ@

3@ J25#(&=#.2&B$"$/-#%

>4(#,+2&4$(,%A&/)2#%&,D#A&"+/#%&)0&-(#,+2?VVLW'"$+/&+/&=#2$+"XNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNN

H$*#&G)D&#*#(&0+"#,&.$/8(D'2-GY&>-+(-"#&)/#? OL; ZJ

[G'#&)0&B$/8(D'2-G&>%#"#-2&2G'#? 45$'2#(&I 45$'2#(&3<

E+"+/9&=$2#&>11\,,\GGGG? NNNNNNNNN\NNNNNNNNN\NNNNNNNNN

H$%&G)D(&.$/8(D'2-G&.##/&,+%-5$(9#,Y ZJ OL;&>'"#$%#&'()*+,#&$&-)'G&)0

,+%-5$(9#&'$'#(U?

B)(()]#(&;+9/$2D(# =$2#

4)^B)(()]#(&;+9/$2D(# =$2#

!"##"$%#&'()*)+(*,&-.*.%/%).

/").0,1&()+"/% !"##"$%# +"2!"##"$%# .".*,

! "#$%%&'()(#*&+(,-% . . .

/ 01-#234-&+(,-% . . .

5 6$443%%3$78%9 . . .

: ;$7<% . . .

= '$>3()&'-><#32* . . .

? @3%(A3)32* . . .

B 02C-#&D7>$4- . . .

E F)34$7*G . . .

H 6C3)I&'<JJ$#2G . . .

34 .".*,&/").0,1&()+"/%&5677&89:;<&3233= . . .

!! K-%%L&&M-I-#()N&MD6FN&O&'2(2-&D7>$4-&P(Q . . .

!/ 02C-#&@-I<>23$7% . . .

3> .?@68&A;7BC@9?:<D&5677&89:;<&33E3F= . . .

3G )%.&H%#-")*,&()+"/% . . .

>C$$%-&2$&C(1-&32&>$7%3I-#-I&R$#&#-J(*37,&2C-&4$#2,(,-S

;$##$T-#&'3,7(2<#- @(2-

6$U;$##$T-#&'3,7(2<#- @(2-

GF)34$7*&(7I&6C3)I&'<JJ$#2&37>$4-&7--I&7$2&A-&#-1-()-I&3R&2C-&;$##$T-#&$#&6$U;$##$T-#&I$-%&7$2

!"##"$%#&'()*)+(*,&-.*.%/%).

/").0,1&%23%)-%- /456789&3:9;<56 !:8:5=<&>?<@&4A&/4BC&><8D5E?<56

! "#$%&#'()*%+(,*#-.&.+(/012345$1.(6&7+8(&15(0184#&12+9 : :

; 6&7+8(*1(<#$%&#'(=*%+(/$>(1*-($12345+5($1(?!9 : :

@ 0184#&12+(*1(<#$%&#'(=*%+(/$>(1*-($12345+5($1(?!9 : :

A B+1-("&'%+1-(/$>(*C1+#(5*+8(1*-(*224<'(84DE+2-(<#*<+#-'9 : :

F ,&$1-+1&12+(*1("#$%&#'()*%+ : :

G H-=+#(,*#-.&.+8(/;15I(@#5I()*%+(JK4$-'9 : :

L M4-*%*D$3+(N*&1/89 : :

O P#+5$-(P&#58(/,$1$%4%("&'%+1-9 : :

Q M3$%*1' : :

!R P=$35(S4<<*#- : :

!! P=$35(P&#+ : :

!; T-$3$-$+8(/C&-+#I(+3+2-#$2$-'I(.&8I(+-2U9 : :

!@ 6+3+<=*1+(/=*%+(&15(2+3343&#9 : :

!A 0184#&12+(/&4-*%*D$3+I(=+&3-=I(3$>+I(+-2U9 : :

!F ,+5$2&3(J7<+18+8(/41$184#+59 : :

!G P&#(J7<+18+8(/.&8I(%&$1-+1&12+I(<&#V$1.9 : :

!L W#*2+#$+8(&15(6*$3+-#$+8 : :

!O X#'(P3+&1$1.(&15(P3*-=$1. : :

!Q S<+15$1.(,*1+' : :

;R P&D3+(6Y(Z(01-+#1+- : :

;! J1-+#-&$1%+1-(/=*DD$+8I(5$11+#I(%*[$+I(+-2U9 : :

;; Y&2&-$*18 : :

;@ S2=**3(64$-$*1 : :

;A )HM(\++8(*#(P*15*(\++8 : :

;F X+<+15+1-(P&#+ : :

;G H-=+#(,*1-=3'(J7<+18+8]]]]]]]]]]]]]]]]]]]]]]]]]]] : :

;L H-=+#(,*1-=3'(J7<+18+8]]]]]]]]]]]]]]]]]]]]]]]]]]] : :

;O .46:8&3<FB45:8&%GH<5B<BI&J:KK&8D5<B&LMNOP : :

^*##*C+#(S$.1&-4#+ X&-+

P*_^*##*C+#(S$.1&-4#+ X&-+

LOAN MODIFICATION WAIVER

I/We hereby declare that we wish to pursue a short sale transaction and do not wish to consider or approve any loan modification programs. We have decided that the short sale process best fits our needs given our particular situation. We are not interested in any loan modification and are 100% committed to the short sale. I/We understand that I have ATC Financial LLC, to complete my short sale transaction. It is not uncommon for my bank to begin offering various loan modifications plans but we have decided not to consider any previous or new loan modification offers. Borrower: ________________________________________________ Signature: ________________________________________________ Borrower: ________________________________________________ Signature: ________________________________________________

GENERAL WAIVER

I/We cannot produce the following financial documents (check all that apply):

Two Most Recent Tax Returns

Two Most Recent Bank Statements

Two Most Recent Paystubs

Other:_____________________________________________________________

Other:_____________________________________________________________

Required Explanation:

For any applicable items above, please provide a detailed reason for not having specific documents:

_________________________________________ _____________________________________

Borrower Date Co-Borrower Date

HARDSHIP AFFIDAVIT Please explain a detailed explanation of your hardship !I (We) am/are requesting to review my/our eligibility for a short sale to help prevent foreclosure. I (We) am/are having difficulty making my/our monthly mortgage payment because of financial difficulties created by (check all that apply):

My household income has been reduced. (For example, unemployment, reduced pay or hours, decline in business earnings, death, disability, or divorce or a borrower or co-borrower)

My monthly debt payments are excessive, and I am overextended with my creditors. Debt includes credit cards, home equity, or other debt.

My expenses have increased. (For example, mortgage payment reset, high medical or health care costs, uninsured loses, increased utilities, or property taxes)

My cash reserves, including all liquid assets, are insufficient to maintain the property on my mortgage loan and cover basic living expenses at the same time.

Other (please specify):____________________________________________________________ __________________________________________________________________________________ __________________________________________________________________________________ Required Explanation: For any applicable items above, please provide a detailed explanation of the hardship (attach another page if necessary): _________________________________________ _____________________________________ Borrower Date Co-Borrower Date

SAMPLE HARDSHIP LETTER – Please use this as a guide only.

(Your Name) (Your Address)

To Whom It May Concern:

We are writing this letter to explain the unfortunate set of circumstances that have caused us to become delinquent on our mortgage resulting in a potential short sale arrangement. We have done everything in our power to make ends meet but unfortunately we have fallen short and would like you to consider working with us in order to facilitate the short sale process.

The main reason we fell behind is (insert your hardship here). Now, it’s to the point where we cannot afford to pay what is owed to (lender) and our mortgage is higher than what our property is currently worth. It is to our unfortunate reality that we must sell our home in order to start over.

We would appreciate if you would approve our short sale agreement allowing a new buyer to take over ownership of our home.

Thank you for your time and patience.

Sincerely and Respectfully,

(All Borrowers’ Names & Signatures) (Date) TYPES OF HARDSHIP:

1. Financial Hardship a. Unemployment or Incoming Employment Termination b. Reduction of Income c. Expenses exceed Income d. No Rental Income (for investment properties) to support mortgage

2. Situational Hardship a. Divorce b. Death c. Disability d. Job Relocation e. Military Relocation

If you have a question about your hardship, please give us a call.!

!""#$!%#&'("')!*+,-'./01&2'&*!0-!3&#(04'

!""#$%&'()*#'+#',)#-+.'&%-'#+.#',)#/&)0(*)*#1%')12#33333333333333333333333##

#

$&+/)&'4#%11&)**2#333333333333333333333333333333333333333333333333333333333333#

333333333333333333333333333333333333333333333333333333333333333333333333333333333#

5)&)64#%77(&0#',%'#',(*#(*#%.#8!&09*#:).;',#<&%.*%-'(+.=>#

?+#/%&'4#'+#',(*#-+.'&%-'#(*#%#7%0("4#0)06)&@#6A*(.)**#%**+-(%')@#+&#*,%&)*#%#6A*(.)**#(.')&)*'#B(',#',)#0+&';%;+&>#CA&',)&@#',)&)#%&)#.+#,(11).#')&0*#+&#*/)-(%"#A.1)&*'%.1(.;*#6)'B)).#',)#*)"")&#+&#6A4)&#+&#',)(&#%;).'*#+&#D+&';%;))>#

<,)#EA4)&*#%.1#F)"")&*#.+&#',)(&#!;).'*#,%G)#%.4#%;&))0).'*#B&('').#+&#(0/"()1#',%'#B(""#%""+B#',)#F)"")&#'+#&)0%(.#(.#',)#/&+/)&'4#%*#&).')&*#+&#&);%(.#+B.)&*,(/#+7#*%(1#/&+/)&'4#%'#%.4'(0)#%7')&#',)#)H)-A'(+.#+7#',(*#*,+&'#*%")#'&%.*%-'(+.>#?+.)#+7#',)#/%&'()*#*,%""#&)-)(G)#%.4#/&+-))1*#7&+0#',(*#'&%.*%-'(+.#)H-)/'#',)#*%")*#-+00(**(+.>#

#

3333333333333333333333333333333333333333## # 3333333333333333333333333333333333333333#IF)"")&JK# # L%')# # # # IF)"")&MK# # L%')###3333333333333333333333333333333333333333## # 3333333333333333333333333333333333333333#$&(.'#?%0)J# # # # # # $&(.'#?%0)M# # ###3333333333333333333333333333333333333333## # 3333333333333333333333333333333333333333#IF)"")&9*#!;).'K# # L%')# # # IEA4)&9*#!;).'K# # L%')###3333333333333333333333333333333333333333## # 3333333333333333333333333333333333333333#$&(.'#?%0)#%.1#N+0/%.4# # # # $&(.'#?%0)#%.1#N+0/%.4####3333333333333333333333333333333333333333## # 3333333333333333333333333333333333333333#IEA4)&JK# # L%')# # # # IEA4)&MK# # L%')###3333333333333333333333333333333333333333## # 3333333333333333333333333333333333333333#$&(.'#?%0)# # # # # # $&(.'#?%0)# # ##

Form 4506-T(Rev. January 2011)

Department of the Treasury Internal Revenue Service

Request for Transcript of Tax Return

Request may be rejected if the form is incomplete or illegible.

OMB No. 1545-1872

Tip. Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can quickly request transcripts by using our automated self-help service tools. Please visit us at IRS.gov and click on "Order a Transcript" or call 1-800-908-9946. If you need a copy of your return, use Form 4506, Request for Copy of Tax Return. There is a fee to get a copy of your return.

1a Name shown on tax return. If a joint return, enter the name shown first.

1b First social security number on tax return, individual taxpayer identification number, or employer identification number (see instructions)

2a If a joint return, enter spouse’s name shown on tax return. 2b Second social security number or individual taxpayer identification number if joint tax return

3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code (See instructions)

4 Previous address shown on the last return filed if different from line 3 (See instructions)

5 If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party’s name, address, and telephone number. The IRS has no control over what the third party does with the tax information.

Caution. If the transcript is being mailed to a third party, ensure that you have filled in line 6 and line 9 before signing. Sign and date the form once you have filled in these lines. Completing these steps helps to protect your privacy.

6 Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax form number per request.

a Return Transcript, which includes most of the line items of a tax return as filed with the IRS. A tax return transcript does not reflect changes made to the account after the return is processed. Transcripts are only available for the following returns: Form 1040 series, Form 1065, Form 1120, Form 1120A, Form 1120H, Form 1120L, and Form 1120S. Return transcripts are available for the current year and returns processed during the prior 3 processing years. Most requests will be processed within 10 business days . . . . . .

b Account Transcript, which contains information on the financial status of the account, such as payments made on the account, penalty assessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax liability and estimated tax payments. Account transcripts are available for most returns. Most requests will be processed within 30 calendar days. .

c Record of Account, which is a combination of line item information and later adjustments to the account. Available for current year and 3 prior tax years. Most requests will be processed within 30 calendar days . . . . . . . . . . . . . . . . . . .

7 Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Current year requests are only available after June 15th. There are no availability restrictions on prior year requests. Most requests will be processed within 10 business days . .

8 Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data from these information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this transcript information for up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS. For example, W-2 information for 2007, filed in 2008, will not be available from the IRS until 2009. If you need W-2 information for retirement purposes, you should contact the Social Security Administration at 1-800-772-1213. Most requests will be processed within 45 days . . .

Caution. If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099 filed with your return, you must use Form 4506 and request a copy of your return, which includes all attachments.

9 Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than four years or periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter each quarter or tax period separately.

Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax information requested. If the request applies to a joint return, either husband or wife must sign. If signed by a corporate officer, partner, guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to execute Form 4506-T on behalf of the taxpayer. Note. For transcripts being sent to a third party, this form must be received within 120 days of signature date.

Telephone number of taxpayer on line 1a or 2a

Sign Here

Signature (see instructions) Date

Title (if line 1a above is a corporation, partnership, estate, or trust)

Spouse’s signature Date

For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No. 37667N Form 4506-T (Rev. 1-2011)

Dodd-Frank Certification The following information is requested by the federal government in accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub. L. 111-203). You are required to furnish this information. The law provides that no person shall be eligible to receive assistance from the Making Home Affordable Program, authorized under the Emergency Economic Stabilization Act of 2008 (12 U.S.C. 5201 et seq.), or any other mortgage assistance program authorized or funded by that Act, if such person, in connection with a mortgage or real estate transaction, has been convicted, within the last 10 years, of any one of the following: (A) felony larceny, theft, fraud or forgery, (B) money laundering or (C) tax evasion.

Borrower Co-Borrower I have not been convicted within the last

10 years of any one of the following in connection with a mortgage or real estate transaction: (a) felony larceny, theft, fraud or forgery, (b) money laundering or (c) tax evasion

I have not been convicted within the last 10 years of any one of the following in connection with a mortgage or real estate transaction: (a) felony larceny, theft, fraud or forgery, (b) money laundering or (c) tax evasion

In making this certification, I/we certify under penalty of perjury that all of the information in this document is truthful and that I/we understand that the Servicer, the U.S. Department of the Treasury, or their agents may investigate the accuracy of my statements by performing routine background checks, including automated searches of federal, state and county databases, to confirm that I/we have not been convicted of such crimes. I/we also understand that knowingly submitting false information may violate Federal law. ______________________________________ ___________ Borrower Signature Date ______________________________________ ___________ Co-Borrower Signature Date

HAFA Letter

I/We hereby declare that we wish to pursue a TRADITIONAL short sale transaction and DO NOT wish to be considered for the HAFA program. If a HAFA program has been offered, we are declining HAFA and wish to pursue with a traditional short sale for the property listed below. PROPERTY: ________________________________________________

________________________________________________ Borrower: ________________________________________________ Signature: ________________________________________________ Borrower: ________________________________________________ Signature: ________________________________________________ !

!"#$%&'(()&*#+,--#(-".+++

!" #$%&'()$%(*+(,-.+/+0.+'(,-(1%/2340,-5(4(6%.%/+(3$7+(8,.3,-(9()+4/0:(((

;" <1$-(2$71&+.,$-($6(.3+(03$/.(04&+=(8$%&'()$%(&,>+(6/++(,-6$/74.,$-(/+54/',-5(2/+',.(/+0.$/4.,$-:((?@+0($/(A$B(

4" C6()+0=(1&+40+(1/$D,'+(6$/84/',-5(2$-.42.(,-6$/74.,$-(*+&$8"(((E$/84/',-5(C-6$/74.,$-F((A47+F(( GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG((( ( GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG(((H''/+00F(( GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG(( ( (( ( GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG(((I,.)F((( ( GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG(((J.4.+KL,1F( GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG(((M3$-+NF(( GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG(((O74,&F(( GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG(((((((+

ATC FINANCIAL: INFORMATION STATEMENT CONSUMER

CREDIT FILE RIGHTS

1. The consumer has the right to review any information pertaining to the short sale of their property.

2. If ATC requests any information from a consumer reporting agency, the Consumer has the right to review any information from the consumer reporting agency, and the right to receive a copy of a consumer report containing all information in the file as provided under the Fair Credit Reporting Act.

3. The consumer may request a copy of their consumer report containing all information free of charge by the consumer reporting agency if requested by the consumer within 30 days of receiving a denial of credit as provided under the Fair Credit Reporting Act.

4. The consumer may be charged a nominal fee not to exceed $5.00 by a consumer reporting agency for a copy of the consumer report containing all the information in the consumer’s file, if the consumer has not been denied credit within 30 days from receipt of the consumer’s request.

5. The consumer has the right to dispute the completeness or accuracy of any item on the consumer contained in any file that is maintained by any consumer reporting agency as provided under the Fair Credit Reporting Act.

6. Description of Service: ATC facilitates the short sale transaction for its clients. ATC gathers all required documents from the client, prepares a short sale package based on the guidelines of the short sale lender and continually monitors the file throughout the short sale process. Upon preliminary approval, ATC will negotiate the terms of the short sale in the best interests of the seller given the financial hardship imposed on the seller and within the guidelines that are proposed by the short sale lenders. These services are not guaranteed and the short sale lender may or may not approve the transaction. The consumer will not have to pay any upfront fees to ATC for the short sale transaction. (See ATC Fee Schedule)

7. Any statements that have been accurately reported may not be permanently removed from the file of the consumer reporting agency.

8. ATC has obtained a credit services license. 9. ATC has obtained a Surety Bond authorized to do business in the State of Maryland and the

consumer has the right to file a claim if a violation has been committed by ATC and against the surety bond.

10. The consumer has the right to file a complaint to the following address: State of Maryland DLLR Office of the Commissioner of Financial Regulation 500 North Calvert Street, Suite 402 Baltimore, MD 21201

!BY SIGNING BELOW, I/WE HEREBY ACKNOWLEDGE RECEIVING A COPY OF THIS STATEMENT PRIOR TO EXECUTION OF ANY CONTRACT FOR CREDIT SERVICES, SHORT SALE NEGOTIATIONS, OR PAYMENT OF ANY MONEY OR CONSIDERATION TO ANY SUCH COMPANY. !SIGNED: !

DATE:

!"#$%&'"('%)!%&**)#$"!'

'

!"#$%&'$(&)(*+$,-./$("),0&(,1$2.,-"#,$&)'$3*)&+,'$"0$"4+.5&,.")1$&,$&)'$,.%*$30."0$,"$%.6).5-,$"7$,-*$,-.06$4#/.)*//$6&'$,-*$6&,*$,-*$("),0&(,$./$/.5)*68$$97$'"#$(&)(*+$,-./$("),0&(,1$&)'$3&'%*),$%&6*$4'$'"#$#)6*0$,-./$("),0&(,$2.++$4*$0*,#0)*6$2.,-.)$,*)$:;<=$6&'/$7"++"2.)5$0*(*.3,$4'$>?@$A.)&)(.&+1$BB@$"7$'"#0$(&)(*++&,.")$)",.(*8$$$$ #+' ,-.,/0' 1234' ,+.15-,16' 7-30' +5' 8/039/5' -' 43:./8' 8-1/8' ,+;<' +=' 1234'

,-.,/00-13+.'.+13,/6' +5' -.<'>5311/.'.+13,/' 1+?' ')#%'(3.-.,3-06' **%6' @AAB'C+5D'

E+-86' FG31/' AHI6' #37+.3G76' J-5<0-.8' @BHKA6' !"#' *)#&E' #L)!'J$M!$NL#'

"(OOOOOOOOOOOOOOOOOOOOOOOOOP'

'

'

$'L&E&QC'%)!%&*'#L$F'#E)!F)%#$"!'

'

'

'

'

OOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO' ' OOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO'

' ' ' ' ' ' ' ' ' ' M)#&'