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Short Sale Package Dear Homeowner: Prior to taking your Short Sale listing, the following documents are needed for every Borrower that is on the loan(s). Please do not send over an incomplete package; please fax all documents in one fax to (866) 936-2043. The following documents are needed:

□ Borrower’s Authorization

o Complete the enclosed form with all requested information and sign & date o If any of your loans are with Countrywide or Bank of America, the additional Bank of America Authorization will need to be

completed as well.

□ Mortgage Statements o Provide the most recent mortgage statement for each bank (1st bank, 2nd bank, etc.) o Please note that these must be actual statements, which include the loan account numbers, as well as original loan balance etc.

□ Hardship Letter o A “Hardship Letter” is a brief letter written by you, the homeowner, that briefly describes the reason for your Short Sale situation o Included is a Hardship Letter that will help you describe your reason for short sale.

□ Paycheck Stubs/Statements o Must have the past 3 paycheck stubs/statements, these must be the most recent. o If self-employed, a 6-month Profit & Loss Statement is needed

□ Tax Returns o Copy of 2 most recent tax returns (not W-2s) o Only need Form 1040 (2 pages, “the summary page of your taxes”)

□ Bank Statements o Last 3 months bank statements o Must include all pages of the bank statement (even if they are blank) o Must have your personal information printed on it (name, address, etc.)

□ Financial Statement/Budget o Complete the enclosed form and sign & date o PLEASE NOTE: Most banks and bank employees will not read this document in detail, HOWEVER, in the rare occurrence that it

does happen, the bank or bank employee is looking to see that your monthly obligations equal or exceed your monthly income.

□ Group 46:10 Disclaimer o Carefully read the enclosed form and sign & date

□ Loan Modification Waiver o Carefully read the enclosed form and sign & date

□ Authorization of Release o Carefully read the enclosed form, complete, sign & date

□ Seller Expectation Document o Carefully read the enclosed form and sign & date

□ Tenant Authorization o If the property is tenant occupied, this form must be completed by you and your tenant.

□ No Information Waiver (if necessary) o Please sign and date on the appropriate sections(s) of this form only if one or more of the following apply:

You are not employed or cannot provide Paystubs You have not filed your taxes or cannot provide Tax Returns You do not have Bank Statements or cannot provide Bank Statements

□ Additional Lender Specific Forms o Some lenders require specific forms. If you have any of the lenders listed below, please complete the requested documents at

the end of this package. Bank of America/Countrywide – “Bank of America Authorization to Release Information” Wells Fargo/ASC – Listing Addendum, Contract Addendums, Closing Date Extension, & Arm's Length Affidavit

***Again, please make sure the information requested above is provided for each borrower who qualified for the original loan. ***Please send all information in one fax – do not send in multiple faxes and do not send incomplete packages Thank you, Group 46:10

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Borrower’s Authorization Form Phone 480-449-6642 Fax 866-936-2043

3920 S. Rural Rd., Suite 110, Tempe AZ 85282

I hereby authorize Group 46:10 and its agents, specifically Fred Weaver, Kevin Kauffman, Bret Cramer, Brian Weaver, Jamie Keeling,

David Baird, Stephanie Wedlich, Alex Black, Lee Redding, Sharlene Hodgkins, Tessa Weedman and/or its assigns, to have full access to

my loan account information.

This is for the purpose of verification of account or mortgage balances, negotiation based on offers received, including but not limited to

the payoff and other information pertinent to the existing financing, or the loan in any fashion. I authorize written or verbal contact with any

and all lenders or note holders on my behalf, at all times, for an indefinite time period. It is also understood that a photocopy of this form

will also serve as authorization.

Borrower Name Co-Borrower Name

Property Address:

Borrower’s SSN: Co-Borrower’s SSN:

First Lenders Company Name: Phone #

Loan or Account Number for 1st Lender:

Second Lenders Company Name: Phone #

Loan or Account Number for 2nd Lender:

Third Lenders Company Name: Phone # ____________ _______ __

Loan or Account Number for 3rd Lender:

As the Seller of this home, I hereby declare that this authorization form is valid and active for the entire time I have my home listed with

Group 46:10. This authorization does not expire – even if my lender(s) have some ‘guideline’ that says the authorization must be

signed and dated within the last specific time period (for example the last 60 or 90 day time period) – this authorization renews

automatically.

Borrower Signature Date Co-Borrower Signature Date

Financial Analysis

Property Address: ______________________________________________________________________________

City: ____________________ State: _________________ Zip: __________________

Borrower’s Name: ______________________________________________________________________________

Date of Birth: _________________________________ SSN: _______________________________

Mailing Address: _______________________________________________________________________________

Co Borrower’s Name: ___________________________________________________________________________

Date of Birth: ________________________________ SSN: ______________________________________

Mailing Address: _______________________________________________________________________________

How many people in your household including yourself? ________________

Reasons for Short Selling?

Check all that apply:

□ Abandonment of property □ Excessive Obligations □ Payment Adjustment □ Casualty Loss □ Illness in Family □ Payment Dispute □ Reduction of Income □ Illness of Borrower □ Property Problems □ Death in Family □ Inability to Rent Property □ Title Problems □ Death of Borrower □ Separation/Divorce □ Transferring Property □ Job Transfer □ Military Service □ Unemployment □ Business Failure □ Fraud □ Incarceration □ Marital Difficulties □ Other □ Other_____________

Total Monthly Income Borrower 1 Borrower 2

Monthly Employment Income

Pay Frequency

Monthly Government Income

Monthly Unemployment Income

Monthly Rental Income

Monthly Alimony Income

Monthly Child Support Income

Total:

Total Combined:

I (We) understand that the financial information provided is an accurate statement of my (our) loan financial status.

By: ____________________________________________________ Date: ____________________

Signature of Borrower

By: ____________________________________________________ Date: ____________________

Signature of Co-Borrower

Monthly Expense Worksheet Family Expenses: Contributions:

Auto Maintenance (Gas Oil Changes, Etc) Church/Charity

Food/Groceries/Toiletries Other Monthly Contributions

Medical/Dental Debt - Auto:

Alimony/Child Support Paid Auto Payment 1

Child Care Auto Payment 2

Entertainment Total Monthly Auto:

Tuition/School Debt - Credit Card:

Pet Supplies CC Payment 1

Other Monthly Family Expenses CC Payment 2

Total Family Expenses: CC Payment 3

Home Expenses: CC Payment 4

HOA Dues Total Monthly CC Payments:

Taxes Debt - Mortgages:

Home Repairs 1st Lien Residence

Rent Expenses 2nd Lien Residence

Moving Expenses Student Loan Payments

Total Home Expenses: Other Monthly Loan Payment 1

Utilities: Other Monthly Loan Payment 2

Cable Insurance:

Electricity Auto Insurance

Natural Gas Health Insurance

Phone/Internet Life Insurance

Sewer/Water Other Monthly Insurance Expenses

Other Monthly Utilities Expenses Total Insurance Expenses:

Total Utilities Expenses: Assets:

Work Expenses: Home

Dry Cleaning Checking Account

Parking Total Assets

Union Dues Total Expenses:

Other Monthly Work Expenses Total Debt:

Total Work Expenses: Total Expenditures:

Total Income:

How to Write a Hardship Letter

Please use the follow guide to help you in creating an accurate and well written Hardship Letter

that can be used during the processing of your short sale. Below you will find both things to

include in your letter and what things NOT to include in your letter.

What to include in your hardship letter.

• Include job loss or decreases in month income.

• Include health expenses or inability to work due to disability.

• Include information on any poor health conditions.

• Increased debt and a rise in expenses.

• Recent bankruptcy filings or consideration of filing bankruptcy.

• Inability to gain acceptance to other loan modification programs.

• Relocation requirements for employment.

• Depleted savings and additional funds.

What NOT to include in your hardship letter.

• Increase in pay or promotion.

• Additional bank accounts with an abundance of money in them.

• Simply not wanting to pay my mortgage out of choice.

• The market has shifted therefore my home is no longer worth the amount I paid for it.

• Do not include information regarding 401K, retirement, or investments.

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Group 46:10, LLC 3rd Party Short Sale Negotiation Agreement

3920 S. Rural Rd. Suite # 110 Tempe, AZ 85282

480-449-6642 Phone 866-936-2043 Fax

I, the undersigned, acknowledge that Group 46:10, LLC is not a licensed real estate brokerage. Group 46:10, LLC is a company specializing in mitigating foreclosure losses. Group 46:10, LLC discloses that they are not attorneys or certified public accountants and I understand that I have been advised to consult with any of these professionals with regard to any specific questions I may have relative to these areas of expertise. It has been disclosed to me that once an offer is made to me from a potential buyer and accepted by me, the seller, Group 46:10, LLC will make every attempt to successfully negotiate the offer for Short Sale in order to save my home from foreclosure. In the event of a Short Sale on my property, I understand there is no guarantee that the lender beneficiary on my property will approve a payment for less than the full amount due on the loan. In the event a Short Sale is not able to be agreed upon I realize and acknowledge that foreclosure is a possibility that I have been made aware of. I also understand agree that Group 46:10, LLC may charge miscellaneous mitigation/negotiation/processing fees to my lender(s) in an amount up to 6% of sales price. Group 46:10 shall never allow a closing to be hindered or interfered with over any additional fees they may get paid from Client/Seller’s lender(s). I am also aware that I am not allowed, to receive any cash compensation from this transaction in any way, shape or form. I have also been advised that some home loans may not be fully or partially released through a Short Sale and the lender may have additional recourse against me. This includes, but is not limited, an agreement to sign and unsecured or secured promissory note or cash due at closing. I further have been advised that there may be tax ramifications associated with saving my home from foreclosure auction, including but not limited to, the issuance of an IRS tax form 1099 for any shortfall of the mortgage debt. I have been advised to seek professional tax and legal advice concerning these possibilities. Although every effort will be made to obtain a full release/payoff status on my loan, neither the listing agent, nor Group 46:10, LLC can promise how the lender will handle any deficiency of the loan. I have been advised to seek the council of a qualified real estate attorney for this matter. ________________________________ _________ _________________ Name Date _________________________ ________________ _________________ Name Date

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Loan Modification Waiver I hereby acknowledge that I am not interested in any form of a loan modification on my home. By agreeing to work with Group 46:10, I state that I am 100% committed to selling my home through a Short Sale. I understand that once I have hired Group 46:10 to complete my Short Sale, that it is not uncommon for my bank(s) to begin offering various loan modification plans as a strategy for my bank(s) to collect more money from me. This form is an acknowledgement to Group 46:10 and my bank(s) that I have no interest in a loan modification. I am only interested in selling my home via a Short Sale. Borrower & Co Borrower Names:                        

Property Address: Signature Date Signature Date

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Group 46:10 Short Sale Process and Seller Expectations

Thank you once again for choosing to work with Group 46:10. We know that this time can be very difficult on you. It is our objective to help you Short Sale your home and move forward from this period in your life as quickly as possible. This document was created to inform you of how we process all of our Short Sale listings and the expectations that we place on you, as the Seller of the home. Please read through this entire document and sign/date the last page, to acknowledge your acceptance of our Short Sale process and the expectations you will be held to. Who We Are We are the premier Short Sale team in the Phoenix metro area – we specialize in helping homeowners that owe more against their home than it is currently worth sell their home without bringing any money to closing. We specifically negotiate with your bank(s) to accept less than what you owe them. Our team officially formed in February of 2008 and since that time we have successfully closed on 90+% of our Short Sale transactions. Homeowners hire us because they understand the value that we offer. This value comes from our experience, results, and process. Experience As a team, we have over 10 years experience in negotiating and successfully closing Short Sales. We got our start negotiating Short Sales as investors and in recent years have begun negotiating files for Realtors and their clients. All of the Short Sale negotiation is done “in-house.” We do not send any of our files to a 3rd party Negotiation Company. Results Nearly 95% of our business is currently Short Sales. We have 100 listings at any given moment. More than 90% of our Short Sale listings successfully close. In 2008 and 2009 we closed over 200 Short Sale transactions. While we will never guarantee that we can close every Short Sale (and we think you should be really leery of anyone that tells you they can), we strongly believe that if it is a deal that can be done, we will get it done! Process We believe that we have a Short Sale process that is unmatched in the industry. From our initial consultation with you all the way through and after the closing, we have a process in place that delivers results and aims to eliminate potential problems. Our process is actually pretty simple – it’s all the other Realtors Short Sale processes that are confusing and make no sense (we’re somewhat kidding). Here’s our process…

Prior to taking your Short Sale Listing, we collect the “Financial Package” from you which includes all of the information your bank will request from us.

You list your home with your preferred Listing Agent and the day the home goes in MLS we send the Seller's Authorization Form to the bank. This document allows us to communicate with your bank directly.

Your Listing Agent markets your property and prices the home at, or slightly below, market value until we get an offer

We are only looking for ONE contract to send to the bank. We are looking for ONE qualified Buyer with an appropriate offer

price that has serious intentions on closing the transaction. If we have this, we will fully execute ONE contract to send to the bank. If additional offers are received once an offer has been accepted by you, we will notify you of the new offer, and you may view it through our online Transaction Management system.

Once an offer is received on your property, your Listing Agent will quickly review that offer with our team and then will contact

you and send you the offer that was received for your signature and initials. This offer will have been reviewed to ensure all terms will meet the lenders’ requirements. In some cases a counter offer will be generated to ensure the offer meets all necessary terms. It is imperative that you send that contract back to your Listing Agent immediately, as the contract is time sensitive. If you have any questions regarding that contract, please address those with your Listing Agent before signing

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anything. Upon acceptance, we will also request that you send updated Bank Statements and Paystubs along with the signed contract.

Once the contract is fully executed, we submit the fully executed contract, a HUD-1, and all of your financial documents to the

bank to begin the 60-90 day Short Sale process (this is the average length of processing time – some are much quicker, some take up to 90 days). Please be patient throughout this process. At times you may feel things are moving slowly but remember this is not a regular transaction and we are doing all we can on our end to make things go as quickly as possible.

Your bank(s) will then do one or more valuations on the home to identify what they think the home is worth. Once their

valuations are back, they’ll review the offer and all corresponding documentation, and finally issues their decision.

Once the bank accepts the terms of the offer, we’ll issue a document called the Agreement Notice – the notice to all parties that the Short Sale has been approved. In rare circumstances we will need to go back to the Buyer and tell them why the bank will not accept their offer and give them an opportunity to raise their offer.

Marketing Your Home Your home will be shown to both investors and traditional buyers through the MLS and many other websites. It is a requirement of ours that your home has a lockbox on it for easy showing access. Statistics have shown over and over again that homes with lockboxes on them sell much faster than those that are by appointment only. During this process, your home may be shown several times a day. It is your responsibility to make sure the home is in good showing condition and is available to be shown in an appropriate and timely manner. Our mutual goal is to get the highest and best offer in the shortest amount of time. While your home is being shown by other Realtors, please be sure to direct any non-property related questions to your Listing Agent. Part of having your home in good showing condition includes keeping all utilities (electricity, water, gas, sewer, etc.) on at the home for the duration of the sales process. Per the Exclusive Right To Sell/Listing Agreement, it is the Seller’s responsibility to keep all utilities on while marketing the home as well as while we are in the negotiation and closing process. It is imperative utilities be on at the time of the Buyers home inspection. Marketing a Home with Tenants On some occasions the homes that we list are tenant-occupied rather than owner-occupied. In this situation, it is imperative that you are in full communication with your tenant. Your tenant must agree to sign an agreement with you to vacate the property within 2 weeks of the bank agreeing to the short sale. Additionally, we will not list any homes that are tenant-occupied without the written consent of you and the tenant to allow a lock-box on the property and any and all showings of the property with 1 hour advanced notice. We will not list a home if the tenant is not cooperative with any of the above points. We have created a Tenant Acknowledgement form for you to use with your tenants. This form entails all of the points covered above and must be signed by you and your tenants prior to the listing of your home.

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Items in Home: We understand that there are items in your home you may not want to part with, however, there are several items in every home that are considered “fixtures” according to the sales contract. The following items are considered a fixture and are expected to convey with the home: Range/Oven Built In Appliances Light Fixtures Towel, Curtain & Drapery Rods Ceiling Fans Draperies/Blinds Attached Floor Coverings Flush Mounted Speakers Attached Fireplace Equipment Window & Door Screens/Sun Screens Shutters & Awnings Solar Systems Attached TVs & Satellite Dishes Storage Sheds Water Misting Systems Garage Door Openers & Controls Timers Mailboxes Outdoor Fountains and Lights Built In Barbeques Outdoor Fireplaces

If you wish to remove any of the above items, they must be removed prior to the listing appointment and/or any property showings. Although the property will be offered “AS-IS”, the Buyer is entitled to perform inspections to determine their satisfaction with the conditions of the property. In compliance with the AAR As-Is Addendum, the property must be in the SAME condition on the date of close of escrow as it is on the date the offer is produced. Any changes to the condition of the property can seriously jeopardize the pending close of escrow. HOA(s) Your Homeowner’s Association(s) has the ability to file legal action against you for delinquent HOA Dues or Fines. Several lenders will not authorize the payment of past HOA dues, penalties or fines. We strongly recommend that you keep your HOA dues current and abide by all rules and regulations of the HOA(s) in order to avoid any penalties. Communication from Us To keep you informed throughout the transaction we have developed a system which will enable you to get updates on your transaction on a regular basis. We use an online transaction management system called SureClose which allows you to see the progress of your transaction from day one through the successful close of escrow. We will send you an email with instructions on how to log in to the system at the time we list your home. We ask that you check the online system first for updates before contacting us directly. We are very confident in our team’s abilities to assist you at any time but ask that you use our online system as much as possible as the majority of our time is spent negotiating successful transactions with your lender(s). Please contact your Listing team if you have any questions around how to use the system. Communication from You If you receive any documentation in the mail from your bank(s) outside of a standard collection letter, please email or fax us this documentation as soon possible. Of specific interest to us is anything with a foreclosure sale date on it – especially if your home is in Pinal County (It is very difficult for us to research foreclosure sale dates in Pinal County). Unless we instruct you to do so, we ask that you have no contact with your lender(s) throughout the Short Sale process – any contact from you to your lender(s) only complicates the process. If we do need you to contact someone at the bank, we will instruct you to do so and ask that you make this contact within 24 hours from the time we make the request.

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Short Sale Approval Once the offer has been approved by the lender(s), you will be notified through a document called the Agreement Notice that we can now proceed with closing on the transaction. Our standard Short Sale Addendum that is included with every fully executed contract states that the close of escrow will take place 21 days from the date of lender(s) approval. If you are still living in the home at this time, you must be prepared to move out before the closing. Closing Process After the issuance of the Agreement Notice, the title company will contact you to schedule a time to sign the official seller closing documents. Our title officer is able to sign you at the main Driggs Title office at 1951 W Camelback Rd Suite 101 Phoenix AZ 85015 (19th Ave and Camelback). If you desire to be signed at a different location, there will be a $150 fee for a mobile signer to meet you at the location of your choice. Please note that there are no alternative closing arrangements that can be made. Please bring your I.D., and a good attitude with you to closing Keys Please keep all keys in your possession until Close of Escrow. Upon close of escrow please leave all keys, garage door openers, pool keys, mailbox keys, appliance manuals, property manuals/info, etc. in a kitchen drawer or on the kitchen counter at the property. Your Future Financial Freedom Keep all documents pertaining to this sale in a safe place. Please call us with your new forwarding address so we can keep in touch with you. Try not to incur any new debt and try to keep low balances on any credit cards you may have. Maintain good consumer credit by not paying late on your currently active accounts. Pay your rent by check or some other way that can be tracked to show evidence that you are paying on time. These things will assist you should you choose to purchase a new property in the near future. We understand that this decision may have been very difficult to come to. With that said, we would like to remind you that the whole purpose of this transaction is to position yourself and your family in a better place; a place with a healthier financial future and one which allows security and freedom. We look forward to working with you toward a successful transaction! Best Regards, Fred Weaver & Kevin Kauffman

Group 46:10, LLC 3920 S. Rural Rd. Suite 110 Tempe, AZ 85282 info@group4610.com

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Seller Expectations Acknowledgement Form

I , as seller of the property located at agree to the following: / To keep the subject property in good showing condition, including, but not limited to keeping all utilities on

through close of escrow.

/ To submit written authorization signed by tenant (if applicable) allowing a lockbox on the property, showings with 1 hour notice, and agreement to vacate the property within 2 weeks from delivery of Agreement Notice.

/ To respond to all Realtor requests for showings within 24 hours. / To direct any non-property specific questions from Realtors to my Listing Agent. / To deliver any requested items, including contract and updated financials within 36 hours of request to my

Listing Agent.

/ That no items considered a fixture (as defined on page 2 of this document) will be removed from home after home is listed.

/ That home will be left in the same condition at close of escrow as it was at time offer was made.

/ That I/we will contact Group 46:10 upon receipt of any communication from my lender(s) with regards to anything other than standard collections.

/ That I/we will notify Group 46:10 immediately if I receive anything with regards to a foreclosure sale date on my property.

/ In the event that I am asked by Group 46:10 to contact my lender, I will do so within 24 hours of that request.

/ To respond to any phone calls or emails from the Title Co. within 24 hours.

/ To notify Group 46:10 of any changes in property status, including, but not limited to vacating the home, going out of town while home is occupied, any changes in tenant status.

/ To allow BPO Agent, Appraiser, and Inspector access within 24 hours of request.

/ I further understand that multiple offers will not be accepted on my property. Any and all offers received after acceptance of an offer will be viewable by logging into Group 46:10’s Sureclose Transaction Management System.

/ I certify that I have read and fully understand the entire Seller Expectation document. Seller’s Signature Date Seller’s Signature Date

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Tenant Authorization I/we, as tenant(s) of property located at , have been made aware that the above mentioned property is being listed for sale. I understand that a sign will be posted in the front yard, and that Realtors will be showing the home. Showing Instructions:

Realtors may call me to show home, if I do not answer the phone, they may leave a message and show the property using a lockbox put on home. Realtors may show between the hours of ______ and ______ without calling (using lockbox). Other than these hours, they must call to arrange a time to show. Tenant Phone Number:

Furthermore, I agree that upon notification that the home will be closing or that contract has been fully accepted, I will have two (2) weeks to vacate the property in good condition. Tenant Date Tenant Date Owner Date

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Frequently Asked Questions Through-out the Process

The bank keeps calling, what should I do? o Please understand that there are many departments within each bank. Generally speaking, the department that is

calling you most frequently while you are behind on payments is the Collections Department. The Collections Department and the Short Sale Department are usually not communicating with each other. Collection calls usually continue even while we are working on the Short Sale process. If you do not want to receive calls from anyone at the bank, simply put a letter in writing that requests your bank does not contact you by phone any longer, but instead only uses the mail. It may also be helpful to reference the Fair Debt Collection Practices Act.

I called my bank to check on the status of the Short Sale and they said they are missing documentation. Why are they saying this?

o First off, please do us a favor and do not contact your bank. Please trust us that the banks have enough calls to field in a day that they do not need multiple parties calling them on the same transaction. Oftentimes incorrect information is given by phone representatives so please don’t ever be alarmed at what one representative at a bank says. Please trust that we will be in conversation with your bank(s) multiple times each week as we work the Short Sale process.

What if I have a foreclosure sale date on the home? o Most banks will not indefinitely put a foreclosure sale date on hold just because we have the home listed as a short

sale. With a high amount of certainty we can tell you that the Bank will extend/postpone the sale date as long as needed to review a good Short Sale offer – the key is getting an offer to them to review at least a week before the scheduled foreclosure sale date. We get numerous foreclosure sale dates extended or postponed every month so please don’t be alarmed over a sale date if we are in the negotiation process on a Short Sale and have an offer on the home. Please also understand that most foreclosure sale dates are not postponed until we’re 2-5 days out from the sale date.

How much commission do you pay to Buyers Brokers? o Let us begin by saying that we ALWAYS, ALWAYS, ALWAYS pay the commission that we advertise in the MLS. We

have never, and will never, pay less than what is advertised. We advertise and pay a 2.5% co-broke.

o Contrary to “popular belief” (also known as un-educated belief), all short sale lenders do not pay 6% commission. While Fannie Mae has acknowledged they will pay 6% commission, there are still many lenders today that will not pay more than 5% (and others that will tell you they only pay 4% - 4.5% commission). We only pay 2.5% because we’re simply not willing to do all the work involved in getting a short sale approved, and then only earn 2% or less commission.

o Please also understand, there are many times where the 1st lender may agree to pay a 6% commission, but to get the deal approved with the 2nd lender, we have to use some of the commission to meet their required net.

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Copies of last 3 Pay Stubs I/We are unemployed or do not have Pay Stubs to provide. __________________________ ____ Borrower Signature Date ___________________________ ___ Co-Borrower Signature Date

Copies of last 3 months Bank Statements

I/We no longer have a bank account or are unable to provide Bank Statements. __________________________ ____ Borrower Signature Date ___________________________ ___ Co-Borrower Signature Date

Copies of last 2 Years Tax Returns

I/We have not done my/our taxes for the past 2 years or we are unable to provide tax returns. __________________________ ____ Borrower Signature Date ___________________________ ___ Co-Borrower Signature Date

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Authorization of Release

I hereby request that you provide to the authorized representatives of Group 46:10 with the following information regarding my loan for the property located at: Prop Address: Loan #

Investor Name: Investor File #:

Investor Phone: Fax:

Investor Physical Address:

Do I have Mortgage Insurance on this Loan?: MI Cert #

Mortgage Insurance Company Name:

Furthermore, this Authorization of Release will allow me to have access to any BPO’s or Appraisals that are done on my property.

I am hereby officially requesting that you provide the authorized associates of Group 46:10, as my representatives, with a copy of any BPOs or Appraisals at the time they are delivered to the bank. Additionally, this Authorization of Release shall serve as explicit permission and authorization to discuss any matters about the BPOs or Appraisals with Group 46:10 associates as well.

All above requested information, including Investor Information, MI Information and BPO information may be faxed directly to Group 46:10 at 866-936-2043 or emailed to shortsaleapprovals@group4610.com or provided verbally to any one of my authorized representatives.

Thank you for your help.

Signature Date Signature Date Printed Name Date Printed Name Date

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HOA INFORMATION

The information regarding your HOA is a very large part of negotiating your Short Sale. Please complete this form in its entirety and submit to Group 46:10 with your Short Sale package. It may be necessary for you to call your HOA in order to obtain this information. If this information is not obtained, it will be necessary for the title company to request it, which may cost up to $500.

Property Address:

Does your subdivision have an HOA Yes No (If no, there is no further information needed)

HOA Name: HOA Phone:

HOA Payment: Paid:

Date last HOA Payment Made:

Are there any current assessments due: If yes, how much:

What is the Transfer Fee Disclosure Fee:

Additional Information:

If your Lenders are:

Wells Fargo/ASC LBPS Chase

There are additional forms after this

page for you to complete.

For Wells Fargo/ASC loans - Pages 19-23

For LBPS loans - Pages 24-26

For Chase loans - Pages 27-37

Short Sale Listing Addendum

Listing Information:

(Date) (Loan Number)

Seller(s): Please Print:

Seller(s): Please Print

Property Address: _____________________________________ City, State, Zip Code:

Date of original listing agreement:

Listing Agent/Broker Name: (License Number)

� Property Condition: Property is being sold in an “as is” condition.

� Listing Agreement: "Seller may cancel this Agreement prior to the ending date of the listing period without advance notice to the Broker, and without payment of a commission or any other consideration if the property is conveyed to the mortgage insurer or the mortgage holder. The sale completion is subject to approval by the mortgagee.”

� Arms-Length Transaction – Mortgagors and mortgagees must adhere to ethical standards of conduct in their dealings with all parties involved in a Short Sale transaction. The Short Sale must be between two unrelated parties and be characterized by a selling price and other conditions that would prevail in a typical real estate sales transaction.

(Seller Signature) (Date)

(Seller Signature) (Date)

(Realtor / Broker Signature) (Date)

AFFIDAVIT OF “ARM’S LENGTH TRANSACTION”

All Parties to the contract on the premises dated :

Property address:

Hereby affirm that this is an “Arm’s Length Transaction”,

No party to this contract is a family member, business associate, or share a business

interest with the mortgagor. Further, there are no hidden terms or special understandings

between the seller or buyer or their agents or mortgagor.

The Buyers and Sellers nor their Agents have any agreements written or implied that will

allow the Seller to remain in the property as renters or regain ownership of said property

at anytime after the execution of this short sale transaction. None of the parties shall

receive any proceeds from this transaction except the sales commission.

___________________________ _____________________________

(Seller) Date (Seller) Date

___________________________ _____________________________

Print Name Print Name

___________________________ ______________________________

(Seller’s Agent) Date (Buyer’s Agent) Date

___________________________ ______________________________

Print Name and Company Print and Company

___________________________ ______________________________

(Buyer) Date (Buyer) Date

___________________________ ______________________________

Print Name and Title Co. Name Print Name and Title Co. Name

THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COLORADOATTORNEYGENERAL.GOV/CA. LBPS maintains a local office at 600 Seventeenth Street, Suite 800 North Tower, Denver, CO 80202. The office’s phone number is 866.436.4766. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. IBM Lender Business Process Services, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR.

F009B

THIRD PARTY AUTHORIZATION

I/We authorize IBM Lender Business Process Services, Inc. to (initial all that apply):

_____ Release any and all information regarding my loan to my designated agent(s) listed below. Such information may

include, but is not limited to, the amount due on my loan, payment and credit history, loan payoff(s) and any credit transactions.

_____ Negotiate with my designated agent(s) listed below any and all payment plans, forbearance agreements, modifications or other loss mitigation solutions.

_____ Accept any directions or authorizations from my designated agent(s) listed below as valid directions or authorizations from me regarding any escrow deficiencies and agreements to impound for escrow. An escrow account is required for the Home Affordable Mortgage Program.

I/We agree to hold LBPS, its employees, officers and agents harmless from any claims, suits, action or demand based upon the above authorization. This authorization is valid until revoked. (You may authorize more than one third party.) Loan Number: _______________________ Property Address: _______________________________________ _______________________________________

AUTHORIZED AGENTS

Company Name: Company Name:

Individual(s): Individual(s):

Phone Number: Phone Number:

Primary Borrower Printed Name: Primary Borrower Signature: Date: _______________

Co-Borrower Printed Name: Co-Borrower Signature: Date: _______________

NOTARY ACKNOWLEDGMENT

State of _____________________ County of _____________________________ On _________________________ before me, _________________________________________ (Insert name and title of the notary) personally appeared ______________________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of _________________ that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Notary Signature ______________________________ (Seal)

Important Information

We are attempting to collect a debt, and any information obtained will be used for that purpose.

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in yourcredit report.

If you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney’s name, address, and telephone number.

If you are currently a debtor in bankruptcy proceedings and subject to the protections of the automatic stay, or if you have received afinal discharge in a bankruptcy,this notice is for compliance and/or informational purposes only and not an attempt to impose personal liability for the debt in violation of the bankruptcy laws.However, Chase Home Finance LLC still has the right under the Mortgage to foreclose on the Property.

8583CSSIP 1/5/11 Short Sale Information Packet Page 1 of 10

SHORT SALE INFORMATION PACKET

In order for us to evaluate your Short Sale request, you must complete this packet, sign in all therequired places and fax or mail it to Chase with the required documentation.

Please keep a copy of everything you send to us for your records.

This packet contains the following:

1. Required Documentation Checklist –Detailed list of the documents you must send to us in addition to the packeta. From You, the Borrower and Co-borrowerb. From Your Real Estate Agent

2. Authorization to Provide and Release Information –Grants Chase permission to provide information pertaining to your mortgage tonecessary agents

3. Request for Consideration of Short Sale –Information about your property, loans, income, etc., as well as details on the circumstancesthat have made it difficult for you to stay up-to-date with your mortgage payments

4. IRS Form 4506-T Request for Transcript of Tax Return –Allows Chase to receive a transcript of your tax return to verify income information

5. Dodd-Frank Certification –The federal government now requires that all borrowers seeking assistance under the Making HomeAffordable (MHA) Program complete and sign the enclosed Dodd-Frank Certification

If you need any assistance completing this packet please contact us at 866-233-5320.

Please send the completed packet as well as all required documentation:

BY REGULAR MAIL:

Chase Fulfillment CenterP.O. Box 469030

Glendale, CO 80246

BY OVERNIGHT MAIL:

Chase Fulfillment Center710 South Ash St.

Suite #200Glendale, CO 80246

BY FAX:

866-220-4130

If you are aWage Earner (you receive aW-2 from your employer) please provide:

� Two (2) most recent Pay Stubs (two for each borrower)

� Length of service with Current Employer: Borrower Year(s):______ Month(s):______ Co-borrower Year(s):______ Month(s):______

� Most recent one (1) month’s complete Bank Statement

If you are Self Employed, please provide:

� P & L Statement / Audited or reviewedYTD Income Statement (must provide)

� Most recent two (2) years’ Tax Returns completed (personal and business, signed with all pages) or 1099s or most recenttwo (2) years filed and proof of extension

� Last four (4) months complete Business and Personal Bank Statements (must provide all pages. If a business account is not used,provide a written statement stating a business account is not used)

Everyone must provide the following:

� Most recent statement(s) supporting assets listed on page 2 of the Request for Consideration of Short Sale Form (must provideall pages of statements)

� Most recent completedTax Return (signed with all pages) or most recent filed and proof of extension (signed with all pages)

� Proof of occupancy (if owner occupied) – a recent utility bill in your name at property address

� If loan is Non-Escrowed:

A) Copy of the most recent property tax bill(s) with a copy of the cancelled check for all applicable taxes (County, City, School, etc.)

B) Copy of the current insurance declaration page for all applicable coverage types (must show premium amount for homeowner’s,flood, and wind)

C) Proof of payment of Homeowner’s Association Fees (if applicable)

� If Non-OwnerOccupied:

A) Rental Income with copies of Rental Agreement if a tenant resides in the property

B) Amount of Principal, Interest, Taxes, Insurance, and HomeOwner Dues for Primary Residence

C) Primary Residence Address

� Authorization to Provide and Release Information – Allows Realtor or designee to discuss the account with Chase, if desired.Be sure to sign this form

� Completed Request for Consideration of Short Sale Form (enclosed). Be sure to sign and date this form.

� Completed 4506-T – Request for Transcript of Tax Return (enclosed.) Be sure to sign and date this form.

1A. FROM YOU, THE BORROWER AND CO-BORROWER

1B. FROM YOUR REAL ESTATE AGENT

� Listing Agreement

� Detailed Listing History (MLS Printout)

� Sales / Purchase Contract (SignedOffer)

� 3 Comparable Active Listings/3 Comparable Sales/Pictures of the Property & Neighborhood

� HUD (Estimated Closing Statement)

8583CSSIP 1/5/11 Short Sale Information Packet Page 2 of 10

REQUIRED DOCUMENTATION CHECKLIST

Loan Number: _________________________

TO: Chase

DATE: ______________________________

BORROWER(S): _________________________________________________

PROPERTYADDRESS: _________________________________________

_________________________________________

I/(We), _________________________________________________________________________(borrower(s) name(s)) , currently residing

at _______________________________________________________________________ in the County of _________________________________,

State of __________, hereby authorize Chase Home Finance LLP/JPMorgan Chase Bank, N.A (collectively “Chase”) to release, furnish, and

provide any information related to mymortgage under loan number ____________________________ to _____________________________

_______________________________________________________________ (name of third party).

I UNDERSTANDTHATTHISAUTHORIZATION ISVALIDUNTIL SUCHTIMETHATCHASECONFIRMS IT HAS RECEIVEDWRITTEN NOTICE FROM ME

REVOKINGTHIS PRIORAGREEMENT.

____________________________________________ ____________________________________________Borrower Signature Co-borrower Signature

____________________________________________ ____________________________________________Borrower Name (Printed) Co-borrower Name (Printed)

8583CSSIP 1/5/11 Short Sale Information Packet Page 3 of 10

AUTHORIZATIONTO PROVIDE AND RELEASE INFORMATION

Loan Number: _________________________

8583CSSIP 1/5/11 Short Sale Information Packet Page 4 of 10

REQUEST FOR CONSIDERATION OF SHORT SALE FORM

Servicer: ______________________________________________________ Loan Number: _________________________

8583CSSIP 1/5/11 Short Sale Information Packet Page 5 of 10

REQUEST FOR CONSIDERATION OF SHORT SALE FORM

Loan Number: _________________________

8583CSSIP 1/5/11 Short Sale Information Packet Page 6 of 10

REQUEST FOR CONSIDERATION OF SHORT SALE FORM

Loan Number: _________________________

ACKNOWLEDGEMENTANDAGREEMENT

Inmaking this request for considerationunder theMakingHomeAffordable Program I certify under penaltyof perjury:

1. That all of the information in this document is truthful and the event(s) identified on page 1 is/are the reason that I need torequest a modification of the terms of my mortgage loan, short sale or deed-in-lieu of foreclosure.

2. I understand that the Servicer, the U.S. Department of Treasury, or their agents may investigate the accuracy of mystatements and may require me to provide supporting documentation. I also understand that knowingly submitting falseinformation may violate Federal law.

3. I understand the Servicer will pull a current credit report on all borrowers obligated on the Note.

4. I understand that if I have intentionally defaulted on my existing mortgage, engaged in fraud or misrepresented anyfact(s) in connection with this document, the Servicer may cancel any Agreement under Making Home Affordable andmay pursue foreclosure on my home.

5. That my property is owner-occupied; I have not received a condemnation notice; and there has been no change in theownership of the Property since I signed the documents for my existing mortgage.

6. I am willing to provide all requested documents and to respond to all Servicer questions in a timely manner.

7. I understand that the Servicer will use the information in this document to evaluate my eligibility for a loan modification orshort sale or deed-in-lieu of foreclosure, but the Servicer is not obligated to offer me assistance based solely on thestatements in this document.

8. I am willing to commit to credit counseling if it is determined that my financial hardship is related to excessive debt.

9. If I was discharged in a Chapter 7 bankruptcy proceeding subsequent to the execution of the Loan Documents, or amcurrently entitled to the protections of any automatic stay in bankruptcy, I acknowledge that Servicer is providing theinformation about the Making Home Affordable program at my request and for informational purposes, and not as anattempt to impose personal liability for the debt evidenced by the Note.

10. I understand that the Servicer will collect and record personal information, including, but not limited to, my name, address,telephone number, social security number, credit score, income, payment history, government monitoring information, andinformation about account balances and activity. I understand and consent to the disclosure of my personal information andthe terms of Making Home Affordable Agreement by Servicer to (a) the U.S. Department of the Treasury; (b) Fannie Mae andFreddie Mac in connection with their responsibilities under the Homeowner Affordability and Stability Plan; (c) any investor,insurer, guarantor or servicer that owns, insures, guarantees or services my first lien or subordinate lien (if applicable) mortgageloan(s); (d) companies that perform support services in conjunction with Making Home Affordable; and (e) any HUDcertified housing counselor.

11. I understand that if Servicer offers me a trial period plan under the Making Home Affordable Program, and I fail to accept orcomplete the trial plan for any reason, including, for example, declining the trial plan offer, failing to accept the trial plan offer,failing to make trial plan payments in a timely manner, or failing to accept a final modification at the end of the trial period,I may permanently lose eligibility for a modification under the Making Home Affordable Program and any other modificationprogram offered by Servicer.

8583CSSIP 1/5/11 Short Sale Information Packet Page 7 of 10

REQUEST FOR CONSIDERATION OF SHORT SALE FORM

Loan Number: _________________________

BORROWER SIGNATURE

CO-BORROWER SIGNATURE

Date: / /

Date: / /

HOMEOWNER’S HOTLINE

If you have questions about this document or the modification process, please call your Servicer.If you have questions about the program that your Servicer cannot answer or need further counseling,

you can call the Homeowner’s HOPETM Hotline at 1-888-995-HOPE (4763). The Hotline can help answer questionsabout the program and offers free HUD-certified counseling services in English and Spanish.

888-995-HOPE

Homeowner’s HOPE

TM Hotline

TM

NOTICE TO BORROWERS

Be advised that by signing this document you understand that any documents and information you submit to your Servicer in connection with the Making HomeAffordable Program are under penalty of perjury. Anymisstatement of material fact made in the completion of these documents including by not limited tomisstatementregarding the occupancy in your home, hardship circumstances, and/or income, expenses, or assets will subject you to potential criminal investigation and prosecutionfor the following crimes: perjury, false statements, mail fraud, and wire fraud. The information contained in these documents is subject to examination and verification.Any potential misrepresentation will be referred to the appropriate law enforcement authority for investigation and prosecution. By signing this document, you certify,represent and agree that: “Under penalty of perjury, all documents and information I have provided to Lender in connection with the Making Home AffordableProgram, including the documents and information regarding my eligibility for the program, are true and correct.”

If you are aware of fraud, waste, abuse mismanagement or misrepresentation affiliated with the Troubled Asset Relief Program,please contact the SIGTARP Hotline by calling 1-877-SIG-2009 (toll-free), 202-622-4559 (fax), or www.sigtarp.gov. Mail can besent to Hotline Office of the Special Inspector General for Troubled Asset Relief Program, 1801 L St. NW,Washington, DC 20220.

8583CSSIP 1/5/11 Short Sale Information Packet Page 8 of 10

Form 4506-T(Rev. January 2010)

Department of the TreasuryInternal 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 also call 1-800-829-1040 to order a transcript. 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 or employer identification number (see instructions)

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

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

4 Previous address shown on the last return filed if different from line 3

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 formnumber 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 taxinformation 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 executeForm 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

SignHere

� 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. 1-2010)

Phone number:866-233-5320

Regular Mail:Chase Fulfillment CenterPO Box 469030Glendale, CO 80246

Overnight Mail:Chase Fulfillment Center710 South Ash Street, Suite #200Glendale, CO 80246

8583CSSIP 1/5/11 Short Sale Information Packet Page 9 of 10

Form 4506-T (Rev. 1-2010) Page 2

General InstructionsPurpose of form. Use Form 4506-T torequest tax return information. You canalso designate a third party to receive theinformation. See line 5.Tip. Use Form 4506, Request for Copy of Tax Return, to request copies of taxreturns.Where to file. Mail or fax Form 4506-T to the address below for the state you lived in,or the state your business was in, whenthat return was filed. There are two address charts: one for individual transcripts (Form1040 series and Form W-2) and one for all other transcripts.

If you are requesting more than onetranscript or other product and the chartbelow shows two different RAIVS teams,send your request to the team based onthe address of your most recent return.Automated transcript request. You cancall 1-800-829-1040 to order a transcriptthrough the automated self-help system.Follow prompts for “questions about your tax account” to order a tax returntranscript.

Chart for individualtranscripts (Form 1040 seriesand Form W-2)

If you filed anindividual returnand lived in:

Mail or fax to the“Internal Revenue Service” at:

Florida, Georgia,North Carolina,South Carolina

RAIVS TeamP.O. Box 47-421Stop 91Doraville, GA 30362

770-455-2335Alabama, Kentucky, Louisiana, Mississippi, Tennessee, Texas, a foreign country, or A.P.O. or F.P.O. address

RAIVS TeamStop 6716 AUSCAustin, TX 73301

512-460-2272

Alaska, Arizona, California, Colorado, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, Wyoming

RAIVS TeamStop 37106Fresno, CA 93888

559-456-5876

Arkansas,Connecticut, Delaware,District of Columbia,Maine, Maryland,Massachusetts,Missouri, NewHampshire, NewJersey, New York,Ohio, Pennsylvania,Rhode Island, Vermont,Virginia, West Virginia

RAIVS TeamStop 6705 P-6Kansas City, MO64999

816-292-6102

Chart for all other transcripts If you lived inor your businesswas in:

Mail or fax to the “Internal RevenueService” at:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Florida, Hawaii, Idaho, Iowa, Kansas,Louisiana, Minnesota, Mississippi,Missouri, Montana,Nebraska, Nevada, New Mexico,North Dakota,Oklahoma, Oregon,South Dakota,Tennessee, Texas, Utah, Washington,Wyoming, a foreign country, or A.P.O. orF.P.O. address

RAIVS TeamP.O. Box 9941Mail Stop 6734 Ogden, UT 84409

801-620-6922

Connecticut, Delaware, District of Columbia, Georgia, Illinois, Indiana, Kentucky, Maine,Maryland,Massachusetts, Michigan, NewHampshire, NewJersey, New York,North Carolina,Ohio, Pennsylvania, Rhode Island, SouthCarolina, Vermont, Virginia, West Virginia, Wisconsin

RAIVS TeamP.O. Box 145500 Stop 2800 FCincinnati, OH 45250

859-669-3592

Line 1b. Enter your employer identification number (EIN) if your request relates to abusiness return. Otherwise, enter the first social security number (SSN) shown on the return. For example, if you are requesting Form 1040 that includes Schedule C (Form 1040), enter your SSN.Line 6. Enter only one tax form number per request.Signature and date. Form 4506-T must be signed and dated by the taxpayer listed on line 1a or 2a. If you completed line 5 requesting the information be sent to a third party, the IRS must receive Form4506-T within 120 days of the date signedby the taxpayer or it will be rejected.

Individuals. Transcripts of jointly filedtax returns may be furnished to eitherspouse. Only one signature is required.Sign Form 4506-T exactly as your nameappeared on the original return. If youchanged your name, also sign your currentname.

Corporations. Generally, Form 4506-Tcan be signed by: (1) an officer having legalauthority to bind the corporation, (2) anyperson designated by the board ofdirectors or other governing body, or (3)any officer or employee on written requestby any principal officer and attested to bythe secretary or other officer.

Partnerships. Generally, Form 4506-T can be signed by any person who was a member of the partnership during any part of the tax period requested on line 9.

All others. See Internal Revenue Code section 6103(e) if the taxpayer has died, is insolvent, is a dissolved corporation, or if a trustee, guardian, executor, receiver, or administrator is acting for the taxpayer. Documentation. For entities other than individuals, you must attach the authorization document. For example, this could be the letter from the principal officer authorizing an employee of the corporation or the Letters Testamentary authorizing an individual to act for an estate.

Privacy Act and Paperwork Reduction Act Notice. We ask for the information on this form to establish your right to gain access to the requested tax information under the Internal Revenue Code. We need this information to properly identify the tax information and respond to your request. You are not required to request any transcript; if you do request a transcript, sections 6103 and 6109 and their regulations require you to provide this information, including your SSN or EIN. If you do not provide this information, we may not be able to process your request. Providing false or fraudulent information may subject you to penalties.

Routine uses of this information include giving it to the Department of Justice for civil and criminal litigation, and cities, states, and the District of Columbia for use in administering their tax laws. We may also disclose this information to other countries under a tax treaty, to federal and state agencies to enforce federal nontax criminal laws, or to federal law enforcement and intelligence agencies to combat terrorism.

You are not required to provide theinformation requested on a form that is subject to the Paperwork Reduction Act unless the form displays a valid OMB control number. Books or records relating to a form or its instructions must be retained as long as their contents may become material in the administration of any Internal Revenue law. Generally, tax returns and return information are confidential, as required by section 6103.

The time needed to complete and file Form 4506-T will vary depending on individual circumstances. The estimated average time is: Learning about the law or the form, 10 min.; Preparing the form, 12 min.; and Copying, assembling, and sending the form to the IRS, 20 min.

If you have comments concerning theaccuracy of these time estimates or suggestions for making Form 4506-T simpler, we would be happy to hear from you. You can write to the Internal Revenue Service, Tax Products Coordinating Committee, SE:W:CAR:MP:T:T:SP, 1111 Constitution Ave. NW, IR-6526, Washington, DC 20224. Do not send the form to this address. Instead, see Where to file on this page.

8583CSSIP 1/5/11 Short Sale Information Packet Page 10 of 10

In making this certification, I/we certify under penalty of perjury that all of the information in this documentis truthful and that I/we understand that the Servicer, the U.S. Department of the Treasury, or their agentsmay investigate the accuracy of my statements by performing routine background checks, includingautomated searches of federal, state and county databases, to confirm that I/we have not been convictedof such crimes. I/we also understand that knowingly submitting false information may violate Federal law.

__________________________________________ ______________Date

__________________________________________ ______________Date

Borrower

� I have not been convicted within the last10 years of any one of the following inconnection with a mortgage or realestate transaction:

(a) felony larceny, theft, fraud or forgery,(b) money laundering or(c) tax evasion

Dodd-Frank Certification

The following information is requested by the federal government in accordance with the Dodd-FrankWall Street Reform and Consumer Protection Act (Pub. L. 111-203). You are required to furnishthis information. The law provides that no person shall be eligible to receive assistance from theMaking 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, ifsuch person, in connection with a mortgage or real estate transaction, has been convicted, within the last10 years, of any one of the following: (A) felony larceny, theft, fraud or forgery, (B) money laundering or (C)tax evasion.

Servicer: ______________________________________________ Loan Number: _________________________

Co-Borrower

� I have not been convicted within the last10 years of any one of the following inconnection with a mortgage or realestate transaction:

(a) felony larceny, theft, fraud or forgery,(b) money laundering or(c) tax evasion