Intake Packet

Twin Builders Foundation Corp1010 North Central Avenue, Glendale, CA 91202

Tel. No. 1‐888‐777‐9489 Fax No. 1‐(888) 755‐1416

INTAKE CHECKLIST/FAX COVERDate:

DONEDONEDONEDONEDONEDONEDONEDONEDONEDONEDONEDONEDONEDONE

Cashier's Check Set‐up of Service

Additional Information:

3. TBFC Donation Agreement

5. Copy of Closing Documents of Mortgage (1st and 2nd Lien Scanned or faxed)

12. Financial Worksheet13. TBFC Disclaimer on the Use of Legal Templates14. Postdated Checks Covering The Monthly Future Payments

Required Documents:Initial Documents1. Client Registration Form w/ Signature on 2nd page

Subject Property:Client's Name:

11. Qualified Written Request To Be Sent To Your Lender

8. A chronological story line of the borrower with the lender and their representative.7. Copy of all statement, communications, and notices from the Servicing Company

9. Authorization For Release Of Financial Records And Information10. TBFC Initial Intake Questionnaire

4. NOAH Membership Agreement

6. Donation

2. Class Action Lawyer Retainer Agreement ‐ Signed

Manager's NameCoordinator's Name

Sponsor's Name

___________________________Intake Center/Date

Client Registration Form Preliminary RequestAgent Information: Agent Code #Name: Phone: Fax:Email:

Borrower InformationFirst Name: Last Name: SSN: (Last 4 Digits)Co-Borrower InformationFirst Name: Last Name: SSN: (Last 4 Digits)Subject Property Address: E-Mail AddressCity: State: Zip:Mailing Address:City: State: Zip:Hm Phone: Wk Phone: Cell Phone:

Number of Lien Holder(s): (Check One)1st Mtg 2nd Mtg 1st & 2nd Mtg (Same Lender) 1st & 2nd Mtg (Diff. Lender)

Property Value:

Twin Builders Foundation Corp

1010 North Central Avenue, Glendale, CA 91202Tel: 1-888-777-9489 Fax: 1-(888) 755-1416

NOAH-CENTRAL

p yOccupancy: Property Type:

O/O 2nd Hm N/O/O SFR Condo Twn hm(PUD) Multi:___Unit

First Mortgage InformationLender: Loan #: Balance:Interest Rate: Payment: Mtg type:Months Delinquent: Yr Acq'd/Last Refi'd: Impounds: Y N

Second Mortgage InformationLender: Loan #: Balance:Interest Rate: Payment: Mtg type:Months Delinquent: Yr Acq'd/Last Refi'd: Impounds: Y N

Pre-Qual Validation (Check each item that applies)Client has received an NOD or foreclosure summons on the property ____________(date rec'd)Client is in active Bankruptcy or in active Bankruptcy hearingsForeclosure proceedings have started _____________________ (date)An Auction Date has been set for ___________________(sale date)Client is in a Negative Amortization Loan, and is seeking a lower and/or fixed rate/paymentClient is unemployedWithin the 12 months, client has been offered or accepted a forebearance or loan modificationClient's current mortgage payment ALONE is higher than combined household incomeClient is currently applying or has applied for a loan modification with client's bankClient is within 15 days of an auction sales dateClient owns additional properties Clients is in behind on their mortgage payments

Additional Notes:Additional Notes:

Borrower's Employment Information

Employer Name:

Employer Address: City State ZIP Code

Employer Telephone Number ( )Gross

Job Title How Long? Income:

Co-Borrower's Employment Information

Employer Name:

Employer Address: City State ZIP Code

Employer Telephone Number ( )Gross

Job Title How Long? Income:

Required Documents Needed For Preliminary Review

1. Latest Mortgage Statement and Closing Docs on all mortgages (1st and 2nd)

2. Latest document or communication from your lenders (default or foreclosure notices)

Which type of payment will you use to pay for this service (Check One) Money Order Cashier's Check

I / We declare under the penalty of perjury under the laws of the State of ___________ that the foregoing information is true and correct.

Borrower Signature Borrower Name Date

Co-Borrower Signature Co-Borrower Name Date

Please fax with the completed Membership Service Agreement and supporting documents requested above to 1 (888) 755-1416

Or e-mail to [email protected]. Thank you.

Set-Up Donation 5 Post Dated CheckPayment Checklist

Or e mail to [email protected]. Thank you.

_____________ (Client Initial Here)

The Law Office of DICKSON & ASSOCIATES ATTORNEY-CLIENT CONTINGENCY FEE AGREEMENT

The Law Office of ROY CHESTER DICKSON (collectively with any lawyers we affiliate with or engage to work with us on your matter, “Attorney”, “we” or “us”) and the individual or individuals who sign this agreement on the last page (“Client” or “you”) hereby agree that Attorney will provide legal Services to Client on the terms set forth below. The contact information for Attorney is: ROY CHESTER DICKSON DICKSON & ASSOCIATES 2323 N. Tustin Avenue Suite I, Santa Ana, CA 92705 Email: [email protected] Tel: 1-888-777-9489 Fax: 1-888-503-2119 1. CONDITIONS

a. A Class Action Lawsuit that you are requesting to participate in is currently being created against Mortgage Electronic Registration Systems, Inc. and Other Lenders. It is possible that the new lawsuits ultimately will be consolidated with other similar cases and it is possible that there will end up being several similar lawsuits, including, among others, the lawsuit in which you are named as a plaintiff.

b. To simplify this Agreement, the new lawsuit in which you will be a plaintiff, any other similar or related lawsuits we previously commenced or may hereafter commence, and any consolidation of any of these lawsuits is collectively referred to in this Agreement as “Lawsuit”.

c. This lawsuit will be filed in State Court and Client acknowledges and agrees that Client may

seek damages of more than $50,000 in the lawsuit, to the extent that Client has a basis to do so. Without limiting anything in this Agreement, regardless of the amount of damages sought by Client, Attorney does not guarantee and could not guarantee that Client will receive the amount of damages, or any damages. Attorney and Client may lose the case in which event Client likely would receive nothing. Attorney does not guarantee the Lawsuit will not be transferred to another court.

d. This Agreement will not take effect, and Attorney will have no obligation to provide legal Services (as

defined in Paragraph 2, below,) until Attorney decides to add Client as a plaintiff in the new Lawsuit AND Client returns a signed copy of this Agreement to Attorney, whether in person, by fax (entire Agreement, including signature page) to 1-888-503-2119 or by scanning the entire Agreement, including signature page into a PDF and email it to [email protected]. Attorney shall have sole discretion whether or not to add Client as a plaintiff in Court.

e. Client understands and agrees that Client is and will be part of a group of persons (and potential plaintiffs in the Lawsuit) with similar, but perhaps not identical claims to Client. This situation is discussed further below in this Agreement. As a result of there being a group of persons, we may request Client to enter into a certain “riders”, “amendments” or “addendums” to this Agreement as the matters proceed and in order to protect all persons who become plaintiffs in the Lawsuit. Client agrees


in good faith to consider these “riders,” “amendments” and “addendums”. If Client declines to sign any such riders, amendments or addendums, Attorney may not be able to include Client in the Lawsuit.

2. SCOPE OF SERVICES.

a. Client is hiring Attorney to represent Client in the matter of Client’s claims against Mortgage Electronic Registrations Systems Inc. and possibly related companies and individuals. All such companies and individuals are collectively referred to in this Agreement as “Lenders”.

b. The scope of the matters to which Attorney’s services pertain is meant to be read in the broadest possible sense and would include any matters relating to any subsidiary, successor or affiliate of Lenders; thus, Client would be permitted hereunder to access our services in any such matter to be read in the most expansive definition of what is or is not related to Lenders so long as it pertains to this matter, this broad range of services shall be referred to hereinafter as “Services”. If a court action is filed, Attorney will represent Client until a settlement or judgment, by way of arbitration or trial, is reached. Attorney will oppose any motion for a new trial or any other post-trial motions filed by an opposing party, or will make any appropriate post-trial motions on Client’s behalf.

c. Notwithstanding anything to the contrary in this Agreement: (i) the Services do not include assistance with respect to seeking injunctive or other immediate relief with respect to a foreclosure or eviction, provided that (ii) if Attorney agrees to assist in the foregoing, Attorney will be entitled to seek an award of attorney fees from the Lenders for doing so and such fees will be in addition to any compensation provided below in this Agreement for the Services.

d. After judgment, Attorney will not represent Client on any appeal, or in any proceeding to execute on the judgment, unless Client and Attorney agree that Attorney will provide such Services and also agree upon additional fees, if any, to be paid to Attorney for such Services. Services in any matter not described above will require a separate written agreement.

3. RESPONSIBILITIES OF THE PARTIES; CONFLICTS.

a. Attorney will provide those legal Services reasonably required to represent Client in prosecuting the claims described in Paragraph 2 and will take reasonable steps to keep Client informed of progress and developments. Because there are many plaintiffs. However, when issues specific to your case arise, Attorney will communicate directly with you. Client agrees to be truthful with Attorney, to cooperate, to keep Attorney informed of any information and developments which may come to Client’s attention, and to keep Attorney advised of Client’s address, telephone number and whereabouts. Client agrees to appear at all legal proceedings when Attorney deems it necessary, and generally to cooperate fully with Attorney in all matters related to the preparation and presentation of Client’s claims.

b. Notwithstanding the foregoing, to a great degree, our relationship with Client as Client’s attorney is governed by both this Agreement and the California Rules of Professional Conduct. The entire text of the Rules of Professional Conduct can be found at http://calbar.ca.gov/calbar/pdfs/rules/Rules Professional-Conduct.pdf


c. Of particular importance is Section 3-310 of the California Rules of Professional Conduct, quoted below; we have informed you that we may undertake representation of numerous Clients similarly situated. These clients may all have a unique fact pattern: They may have had their private information stolen; they may have had their identities stolen; they may have fallen victim to unfair business practices by the Lenders; or they may have had each of the foregoing circumstances – or any one of them – happen. Under Section 3-310, it is theoretically and in fact possible that our representation of each of the Clients may result in a conflict of interest which must be disclosed and waived by each of the Clients. The conflict of interests could be many, but the primary one revolves around the possibility that we may not – in our prosecution of your legal rights – obtain enough money or consideration to make each of the Clients feel as if they were made whole. In this regard, Section 3-310 provides, among other things. (B) A member shall not concurrently represent clients whose interests conflict, except with their

informed written consent. (C) A member who represents two or more clients shall not enter into an aggregate settlement of the

claims of or against the clients, except with their informed written consent. (F) As used in this rule “informed” means full disclosure to the client of the circumstances and advice

to the client of any actual or reasonably foreseeable adverse effects of those circumstances upon the representation.

d. By signing this Agreement, you understand that we may have closer relationships with certain clients

than with other clients, that each Client we represent has been damaged in differing ways and in varying amounts, that not every Client will be satisfied with any settlement or result we achieve, that we must apportion any result so as to do substantial justice for all of the Clients, and that this involves judgment on our part. We will exercise our judgment fairly and in good faith.

e. Notwithstanding these facts, you understand and acknowledge (i) that we have fully explained to you the process of apportioning settlements or results against the Lenders, (ii) you submit to any process that is fair and lawful, (iii) you understand the process may result in our representing conflicting interests and (iv) you now, and forever, hereby consent to our representing these conflicting interests among the Clients and you waive – from now until forever – any rights under Section 3-310 and any similar law in any jurisdiction in the United States.

4. LEGAL FEES.

a. Attorney will only be compensated for legal Services rendered if a recovery is obtained for Client. Client will not pay Attorney any funds at all for Attorney representation of Client in the matters, and Client shall not be responsible for paying Attorney any money to reimburse Attorney for costs incurred in such litigation. The following sets for the fee payable by Client to attorney, which is customarily referred to as a “contingency fee”.

(1) Attorney shall receive a sum equal to forty percent (40%) of the “gross recovery” pertaining to

Client.


(2) For purposes of this Agreement, the term “gross recover” means the greater of the following sums: (i) any recovery, judgment or order to pay money to you or any party affiliated with you or acting on your behalf, that is ordered by a court of competent jurisdiction in the litigation or in connection with the Services, including, but not limited to, compensatory damages, punitive damages, treble damages, restitution, all other damages and forms of judicially ordered remuneration, interest, assessments, sanctions and any other monies ordered by such a court in connection with the litigation, and (ii) any money or consideration actually received by you appertaining in any manner to the matters and/or the Services and/or the litigation, whether that sum is received by reason of negotiated settlement, mediation, arbitration, jury award, judge award or otherwise.

b. To the extent Attorney prevails in the Lawsuit on Client’s behalf, Client agrees that Attorney may apply to

the Court for an order that the defendants in the Lawsuit shall pay the Client’s legal fees. There can be no assurance such an order will be issued, or that the full amount of Client’s fees will be paid by the defendants. In any event, if the court orders the defendants to pay all or any portion of Client’s Attorney fees, Attorney is directed to apply any such award of attorney’s fees in an ethical manner to reduce Client’s obligations hereunder by the amount of the award. In the alternative, in the Attorney’s discretion, Attorney may replace in whole the contingency fee due hereunder by accepting the attorney fees paid by the defendants.

c. The payment of fees under this Paragraph 4 is irrevocable and shall be paid irrespective of any other facts whatsoever, including, without limitation, the amount of work requested by Client and the amount of work performed by Attorney as a result thereof. All proceeds of Client’s case are non-refundable and non-creditable, fully earned upon receipt by Attorney. Attorney will pay to Client the share payable to Client after first deducting Attorney’s fees and costs from all gross recoveries.

5. NEGOTIABILITY OF FEES. The fees set forth above not set by law, but are negotiable between an Attorney and Client. The foregoing “contingency” related fees have been arrived at through careful negotiations that included consideration of factors well beyond the amount of time spent and to be spent hereunder, including, without limitation, the novelty and complexity of numerous issues in the matters at hand, the amount of fees, costs and expenses Attorney is anticipated to be actually incurring in connection with any litigation, our familiarity with certain specific areas of law on a variety of issues and topics, the addition of lawyers to work with Attorney who will be compensated by Attorney out of the contingency fee, or otherwise, at no cost to Client, the preclusion of other engagements and opportunities caused by our acceptance of this engagement and Agreement, the magnitude of the Services as Client has described it, Client’s strong desire to have us personally perform the Services hereunder, and other considerations. 6. COSTS AND LITIGATION EXPENSES.

a. In connection with any litigation, there will be significant costs that will be incurred by Attorney hereunder. These costs may include the following: Travel expenses, facsimile charges (at 10 cents per page), filing fees, service or investigative fees, expert fees, jury fees, court fees, record securement, deposition fees, trial costs, parking, postage, photocopying expenses (at 25 cents per page), phone charges and other standard costs. While Client is not responsible to pay Attorney for these costs, or for any costs. Client agrees that we are entitled to deduct and take a full reimbursement for all such costs in the event of an


award as first money out. In certain circumstances connected to an award, we will be entitled to obtain a separate order of repayment from the defendants or adversaries in the litigation to reimburse some or all of the costs. We agree to use our best efforts to do so.

b. Although we may deduct the fees and costs paid to paralegals and clerks who assist us in this case, we will absorb out of our fees and share our fees with other lawyers who affiliate in with us or otherwise participate with us to represent you. Such lawyers are considered to be within the definition of Attorney for purposes of this Agreement. However, unless the signatories to this Agreement advise you otherwise, your principal relationship will be with the undersigned and the undersigned will be responsible, on your behalf, for coordination with any other lawyers we bring into the matters to work with us.

7. NO BILLING STATEMENTS. Attorney will not send Client statements regarding the services rendered hereunder. 8. APPROVAL NECESSARY FOR SETTLEMENT. Attorney will not make any settlement or compromise of any nature of any of Client’s claims without Client’s prior approval. Client retains the absolute right to accept or reject any settlement. Client agrees to consider seriously any settlement offer Attorney recommends before making a decision to accept or reject such offer. Client agrees not to make any settlement or compromise of any nature of any of Client’s claims without prior notice to Attorney. 9. LIMITATION OF REPRESENTATION Attorney is representing Client only on the matter described in Paragraph 2. Attorney’s representation does not include independent or related matters that may arise, including, among other things, claims for property damage, workers’ compensation, disputes with a health care provider about the amount owed for their Services, or claims for reimbursement (subrogation) by any insurance company for benefits paid under an insurance policy. This Agreement also does not include defending Client against, or representing Client in any claims that may be asserted against Client as a cross-claim or counter-claim in Client’s case. This Agreement does not apply to any other legal matters. If any such matters arise later, Attorney and Client will either negotiate a separate agreement if Client and Attorney agree that Attorney will perform such additional legal work or Client will engage separate counsel with respect to the cross-claim or counter-claim or additional legal work. Some lawyers working on this case do not carry professional indemnity insurance. 10. DISCHARGE AND WITHDRAWAL.

a. Client may discharge Attorney at any time, upon written notice to Attorney. Attorney may withdraw from representation of Client (i) with Client’s consent, (ii) upon court approval, or (iii) if no court action has been filed, for good cause and upon reasonable notice to Client. Good cause includes Client’s breach of this contract, Client’s refusal to cooperate with Attorney or to follow Attorney’s advice on a material matter, or any other fact or circumstance that would render Attorney’s continuing representation unlawful or unethical. Notwithstanding Attorney’s withdrawal or Client’s notice of discharge, and without regard to the reasons for the withdrawal or discharge, Client will pay Attorney for all costs incurred prior to the termination and, in the event that there is any gross recovery obtained by Client after conclusion of Attorney’s Services, Client


remains obligated to pay Attorney for the reasonable value of all Services rendered from the effective date of this Agreement to the date of discharge.

b. If Attorney is discharged or resigns, the fee to which Attorney is entitled shall be not less than one-half of the contingency fee described above in Paragraph 4, nor more than the foregoing percentage fees and will be determined by considering the period until the discharge and the materiality of the contribution of Attorney to the gross recovery obtained by Client. In the event the gross recovery has been sustainably arrived at prior to the discharge, or is equal to or less than a settlement rejected by Client, Attorney will receive the full contingency fee described above.

11. CONCLUSION OF SERVICES. When Attorney’s Services conclude, all unpaid charges will immediately become due and payable. After Attorney’s Services conclude, upon request, Client’s file and property will be delivered to Client, or Client’s other attorney, whether or not Client has paid any fees and/or costs owed to Attorney. 12. LIEN. Client hereby grants Attorney a lien on any and all claims or causes of action that are the subject of Attorney’s representation under this Agreement. Attorney’s lien will be for any sums owing to Attorney for any unpaid costs, or attorneys’ fees, at the conclusion of Attorneys Services. The lien will attach to any gross recovery, whether obtained by arbitration award, judgment, settlement or otherwise. The effect of such a lien is that Attorney may be able to compel payment of fees and costs from any such funds recovered on behalf of Client even if Attorney has been discharged before the end of the case. Because a lien may affect Client’s property rights, Client may seek the advice of an independent lawyer of Client’s own choice before agreeing to such a lien. By initialing this paragraph, Client represents and agrees that Client has had a reasonable opportunity to consult such an independent lawyer and whether or not Client has chosen to consult such an independent lawyer. Client agrees that Attorney will have a lien as specified above. Attorney shall further have the right to receive and negotiate any check, draft or cashier’s check constituting the proceeds of any payment, settlement sum, or judgment amount may retain therefrom any and all fees and expenses due to Attorney hereunder. Attorney will deposit such sums in Attorney’s trust account and thereafter will pay to Client the amounts payable to Client hereunder. This Agreement shall act as a power of attorney to negotiate any draft, receive any wire transfer, check, cashier’s check or other negotiable instrument offered as payment to Client. All payments are due in the manner set forth herein and Client agrees to pay prejudgment interest at the legal rate in the event that we are compelled to take action to collect any unpaid sums. 13. DISCLAIMER OF GUARANTEE

a. Nothing in this Agreement and nothing in Attorney’s statements to Client will be construed as a promise or guarantee about the outcome of this matter. Attorney makes no such promise or guarantees. There can be no assurance that Client will recover any sum in this matter, or obtain any other relief. Attorney’s comments about the outcome of this matter are expressions of opinion only. Client acknowledges that Attorney has made no promise or guarantees about the outcome. Rather, Client agrees that any statement Attorney has made in the past or do make in the future constitutes a good faith expression of opinion, is tentative, and is not promissory.


b. Attorney opinions are guarantees and are subject to revision as matters within the area of our Services may develop or change, or more facts may become known or available.

c. In addition to the Client’s waiver of conflicts of interests as set forth above, (i) each Client’s case is different, (ii) thus, certain Clients who become plaintiffs may be successful in the prosecution of the Lawsuit and others will not. That is one of the reasons it is very important that Client be completely forthright with us, or we will have the right to withdraw from representing Client for “good cause” in that if Client is not forthright it wastes our time, subjects us to attack in court and could hurt the other persons in the group.

d. The areas in this case are new law, changing law and thus it is impossible for lawyers to predict the future pathway for Client and indeed new law is coming down virtually monthly. Client may wish to become a plaintiff in the Lawsuit. However, Attorney has the right to decline to proceed. If Attorney does name Client as a plaintiff, in the Lawsuit Client recognizes and understands that Client may nonetheless lose Client’s claims in the Lawsuit, even if other plaintiffs prevail.

14. ENTIRE AGREEMENT. This Agreement constitutes the entire agreement between the parties pertaining to the subject matter contained herein and supersedes all prior and contemporaneous agreements, representations and understandings – whether oral, written or both – of the parties with respect to the subject matter hereof. There have been no prior or contemporaneous agreements, representations and understandings between the parties and the only agreement that formed the topic of negotiations and discussions is contained herein. No other agreement, statement or compromise made on or before the effective date of this Agreement will be binding on the parties. 15. SEVERABILITY IN EVENT OF PARTIAL INVALIDITY. If any provision of this Agreement is held in whole or in part to be unenforceable for any reason, the remainder of that provision and of the entire Agreement will be severable and remain in effect. To the extent any person attempts to, or does in fact, strike any portion of this Agreement, nothing thereby shall preclude a court of competent jurisdiction from rendering an award of legal fees to Attorney based upon doctrines of law such as quantum meruit. 16. MODIFICATION BY SUBSEQUENT AGREEMENT. This Agreement may be modified by subsequent agreement of the parties only by an instrument in writing signed by both of them or an oral agreement only to the extent that the parties carry it out. Accordingly, this Agreement may not be so modified by a writing that is unsigned by one or both of the parties hereto and it may not be modified by any oral amendment, oral agreement or other oral modification. In fact, any oral amendment or written modification that remains unsigned by both parties is invalid in that parties intent that there is no consideration for any future promises that are not contained in writing and the parties specifically wish that this be the case. 17. EFFECTIVE DATE This Agreement will govern all legal Services performed by Attorney on behalf of Client commencing with the date Attorney first performed Services. The date at the beginning of the Agreement is for reference only. Even if this


Agreement does not take effect, Client will be obligated to pay Attorney the reasonable value of any Services Attorney may have performed for Client. 18. GOVERNING LAW; OTHER JURISDICTIONS. This Agreement, governing a relationship with a California-licensed lawyer, is governed by California law. 19. APPROVALS. All parties hereto acknowledge, recite, stipulate and agree that they have received all approvals necessary under fact or law for them to execute this Agreement and enter into this attorney-client relationship. This Agreement is a binding legal document with significant consequences. All parties hereto stipulate and recite that they have been advised by separate counsel with regard to the advisability of entering into this Agreement. IF MORE THAN ONE CLIENT SIGNS BELOW, EACH AGREES TO BE LIABLE JOINTLY AND SEVERALLY FOR ALL OBLIGATIONS UNDER THIS AGREEMENT. THE CLIENT SHALL RECEIVE A FULLY EXECUTED DUPLICATE OF THIS AGREEMENT. Sincerely, ROY CHESTER DICKSON By: For the Law Office of DICKSON & ASSOCIATES THE FOREGOING IS AGREED TO AND IS ACCEPTED: (sign name) Print Name: (sign name) Print Name: Client’s Address: Client’s Facsimile: Client’s Telephone: Client’s Mobile: Client’s E-mail:

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National Organization of Assistance for Homeowners of California (NOAH-CA)

500 North State College Blvd. Suite 1100, Orange, CA 92868 Mailing Address: 1010 North Central Avenue, Glendale, CA 91202

Tel: 1-888-777-9489; Fax: 1-(888) 755-1416 http://www.noahcentral.org

FOUNDATION__________ MEMBER(S) Initials __________ Page 1 of 5

MASTER MEMBERSHIP AGREEMENT: FULL CIRCLE PACKAGE

This Master Membership Agreement (this “Agreement”) is made this ____ day of _______ 2011, by and between __________________________________________ (“Member”) with subject property located at ___________________________________________ and NATIONAL ORGANIZATION OF ASSISTANCE FOR HOMEOWNERS OF CALIFORNIA (NOAH-CA) a dba of Financial Wellness for Homeowners of Orange County Corporation, a California non-profit corporation. (hereinafter referred to as “Foundation”, and together with the Member, the “Parties”).

(This supersedes all previous agreements with the “Foundation” and any other organization associated with the “Foundation”.)

SECTION 1. SERVICES The Full Circle Package to be provided by Foundation to Member (also referred to herein as the “Services”) includes but is not limited to the following:

1) Local NOAH Membership. As a part of the mission of the foundation in organizing

NOAH’s (Local Chapter of the National Organization of Assistance to Homeowners) in every community where member is situated, Member will have access to the following Member’s services that will be part of the local NOAH but not limited to:

2) Debt Elimination. Foundation can assist Member through its third party alliance with the goal of reducing the principal owed on unsecured debt, such as credit card balances, unsecured debts, and car loans.

3) Credit Restoration and Education. Foundation shall educate Member on the credit

rating system used by credit bureaus, and ways to restore, maintain and maximize Member’s credit score,

4) Career/Livelihood Realignment and Enhancement. Foundation can assist Member with Member’s career development needs by posting their resume` in our job board and maintain them in our database for future referral. Provide training for Member to utilize a nationwide job search database, providing workshops and tools to identify interests and skill sets to re-align Member with new employment opportunities, and assisting Member with applying for funding to pay for training programs. Foundation shall assist Homeowner in augmenting their income through various resources and/or opportunities through the Foundation.

5) Financial Planning and Wealth Building. Foundation shall provide education,

consulting and services to assist Member with ways to avoid debt, save money, reach his or her financial goals and prepare for retirement.

6) Home Protection. Foundation shall assist Member in protecting Member’s home ownership by providing Member with letters which can be sent to the Lender demanding





they comply with applicable law and legal templates which Member can take to their own local attorney to which will minimize legal fees. Foundation shall also assist Member, through its strategic alliance with certain law firms and non-profit groups, to have the Member’s note sold and restructured at no more than the current fair market value. Once the note has been sold and restructured, an effort will be exerted to allocate from the closing cost that will be shouldered by lender to fund an interest reserve to service the interim loan for more or less four months. The unused portion of the interest reserve will be released to the borrower once the interim loan has been refinanced to a fixed mortgage note.

7) Mortgage Analysis and Data Research. With the goal of protecting home ownership and educating Member, Foundation, through its alliance with Twins Builders Foundation Corporation, assists Member in analyzing Member’s existing home loan(s). The objective of such analysis is to determine whether the Member’s current home loan documentation is accurate and in compliance with applicable laws, and if not, whether such errors or instances of non-compliance may be sufficient to seek revision or rescission of the loan. Inaccuracies and violations that are found may be used by the Foundation as leverage to purchase the Member’s mortgage note from Member’s lender(s).

Services can be added, modified or removed at the discretion of the Foundation, in order to best serve the Member’s interests.

SECTION 2. MEMBERSHIP DONATION COMMITMENT

The donation commitment for the Membership (the “Donation”) will be through Twins Builders Foundation Corporation (TBFC) who manages all document and process of the Full Circle Package.

Whatever donation commitment option Member chooses, if the TBFC does not receive their monthly donation on time by the first day of each calendar month, the Member will have 7 calendar days grace period to ensure the monthly donation is received by the Foundation, after which the Foundation will not be obligated to continue serving the Member and reserves the right to close the membership. Any membership Donation paid to the Foundation is non-refundable unless the Foundation determines otherwise at its sole discretion.

SECTION 3. NO GUARANTEES

Foundation makes no guarantee as to the outcome of any of the services offered except the diligence of a “Good Father”. SECTION 4. DISCLAIMER Foundation is not a credit repair service. Foundation is not a law firm. Foundation is not a credit counselor. Foundation is not a real estate or mortgage firm. Foundation is not a loan modification servicer. The Foundation is a Financial Wellness Firm whose primary mission is to help members keep





their homes and become financially well over time. The Foundation does not, and cannot, guarantee a change or alteration of the Member’s home loan obligation to the Member’s lender(s). SECTION 5. INDEMNIFICATION Foundation will not be liable to Member for any fault or damages, whether direct or indirect, and disclaims any warranties, expressed or implied. Member shall defend, indemnify, and hold harmless Foundation, its employees, volunteers, trustees, officers, directors, agents, and all members from and against any and all liabilities, claims, lawsuits, losses, damages, costs or expenses, including attorney’s Donations, unless arising as a direct result of Foundation’s willful misconduct or gross negligence. In addition, Foundation does not, and shall not, receive any Donation or compensation of any kind from any attorney to whom the Foundation may refer the Member, and the Member agrees that Foundation shall not be responsible or liable in any way for any claims, damages or causes of action suffered or incurred by the Member as the result of the Member following the advice or recommendations of any attorney referred to, or independently engaged by, the Member. SECTION 6. REMEDIES

All claims, disputes, and controversies arising out of or relating in any way to this Agreement will be resolved by binding arbitration administered by a single arbitrator in accordance with the then existing Commercial Arbitration Rules of the American Arbitration Association (“AAA”) who is a member of the local State Bar in good standing, actively engaged in the practice of law and has over 15 years’ experience in real estate law and litigation. If the Parties cannot agree to an arbitrator, the Parties agree to have AAA select a single arbitrator from among its arbitration panel.

The arbitrator will deliver the decision or award in writing with a summary of the reasons for the decision or award, and the decision or award shall be final and binding on all Parties, their successors and assigns. If deemed appropriate by the arbitrator, the arbitrator may grant a motion to dismiss the claim or a motion for summary judgment of the claim. Judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. If the arbitrator determines that a Party has generally prevailed in the arbitration proceeding, then the arbitrator shall award to that Party its reasonable out-of-pocket expenses related to the arbitration, including filing Donations, arbitrator compensation, attorney’s Donations and legal costs. The arbitration proceedings and arbitration award shall be maintained by the Parties as strictly confidential, except as is otherwise required by court order or as is necessary to confirm, vacate or enforce the award and for disclosure in confidence to the Parties’ respective attorneys, tax advisors and senior management and to family members of a Party who is an individual.





This Agreement is an election to resolve claims, disputes, and controversies by arbitration rather than the judicial process. IT IS UNDERSTOOD THAT THE PARTIES WAIVE ANY RIGHT TO A JURY TRIAL OR A TRIAL IN COURT. The Parties understand that the rules applicable to arbitration and the rights of the Parties in an arbitration differ from the rules and rights applicable in court. The arbitration will be conducted at an appropriate time and place set by the arbitrator in the county where the member resides. I / We have read the above arbitration provisions and agree to the terms and conditions. Dated: , 2010 Member/s SECTION 7. MISCELLANEOUS PROVISIONS

1) Independent Legal Counsel. The Parties have been advised to retain and consult with independent legal counsel regarding this Agreement and any and all subsequent Agreements entered into between Member and Foundation.

2) Entire Agreement. This Agreement represents the entire agreement between the Parties.

This Agreement supersedes all prior Agreements between Foundation and Member. For the protection of the Member and the Foundation, the Member shall not rely on any oral statement of any employee or representative of the Foundation that is, or may be, inconsistent with the terms of this Agreement.

3) Execution in Counterparts. This Agreement may be executed in counterparts, and

duplicate originals of each of the counterparts or duplicate originals taken together will constitute one valid and binding Agreement between the Parties.

4) Facsimile Copies Valid. Copies sent by facsimile transmission will be valid for all required

notices, consents and executions of this Agreement, provided that the original written notice, consent or execution is also sent at the same time by first class mail.

5) Favorable Interpretation of Agreement. No part of this Agreement will be interpreted for or

against any party because that party or that party’s legal counsel drafted it. 6) Modifications by Written Agreement. This Agreement may be later amended or modified

only by written agreement signed by all Parties. 7) Termination. Either party may terminate this Agreement at any time, with or without notice,

if the other party is in breach of this Agreement or of any other written agreement into which the parties have entered. Any membership Donation paid to the Foundation is non-refundable unless the Foundation determines otherwise at its sole discretion.

8) Governing Law. This Agreement shall be governed by and construed in accordance with

the laws of the state of member, without giving effect to conflict of laws.





9) Severability. If any provision of this Agreement is held by a court of competent jurisdiction

to be illegal, invalid or unenforceable, such provision may be modified by such court in compliance with the law and, as modified, enforced. All other terms and conditions of this Agreement shall remain in full force and effect and shall be construed in accordance with the modified provisions as if such illegal, invalid or unenforceable provision had not been contained in this Agreement.

10) Notice. All notices and other communications in connection with this Agreement shall be in

writing. Notice shall be considered effective when delivered to the “Foundation’s” office address, fax number, or e-mail.

11) ACKNOWLEDGMENT OF RECEIPT OF AGREEMENT BY SIGNING THIS RETAINER AGREEMENT, NOAH MEMBER AGREES THAT HE OR SHE UNDERSTANDS AND VOLUNTARILY ACCEPTS THE ABOVE TERMS AND CONDITIONS OF THIS DONATION ARRANGEMENT AND ACKNOWLEDGES RECEIPT OF A COPY OF THIS AGREEMENT. NOAH MEMBER IS OVER 18 YEARS OF AGE, FULLY UNDERSTAND THE PROVISIONS OF THIS AGREEMENT, AND UNDER THE PAIN OF PERJURY, MAINTAINS THAT ALL ACTION ARISING FROM THIS TRANSACTION ARE CIVIL IN NATURE.

IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the date first written above. NOAH-CALIFORNIA By: __________________________ Member/Borrower Signature: ________________________________ Date: _______________ Member/Borrower Name (Print): ___________________________________ Member/Co-Borrower Signature: _____________________________ Date: _______________ Member/Co-Borrower Name (Print): ___________________________________ Address for Notice: Facsimile: Email Address: Phone number(s): _________________________________

AUTHORIZATION FOR RELEASE OF FINANCIAL RECORDS AND INFORMATION

Twins Builders Foundation Corporation Legal Servicer for the

Law Offices Of Dickson and Associates

Roy Chester Dickson, Esq Representing National Organization of Assistance for Homeowners of California

1010 North Central Avenue, Glendale, CA 91202 Tel. No. (888) 777-9489 Fax: (888) 755-1416

Email: [email protected]

Re: ___________________________ Name ___________________________ Property Address ___________________________ Loan Number

TO WHOM IT MAY CONCERN:

This Authorization, or a copy thereof, will permit and authorize _________________________ to release or otherwise provide to the Law Offices of Dickson and Associates (hereinafter “Law Offices”) all financial information or documents contained in my loan file or account, including public and non‐public information, loan balance information, loan status, payment history and payment activity, any property information and final pay‐off statement.

These financial records and information are to be used by Law Offices toward pursuing and working toward a loan modification or loan alternative(s) on my behalf.

The Lender/Mortgage Servicer or Provider to whom this Authorization is presented may take reasonable steps to verify the identity of Law Offices listed above but will have no liability to verify said identity when Law Offices inquires as to my account or seeks information thereon, nor will the Lender/Mortgage Servicer or Provider have any liability whatsoever for what is done by Law Offices with the information provided with regard to my account.

I further agree to defend, indemnify and hold harmless the Lender/Mortgage Servicer or Provider from any and all claims, suits, actions or demands against the Lender/Mortgage Servicer or Provider which I or my heirs or assigns may have as a result of the providing of information by the Lender/ Mortgage Servicer or Provider to Law Offices or any person identifying themselves as a representative of Law Offices.

Date: ______________________ Signature: ______________________________________

Last Four # of SSN: ___________ Name (Print): ___________________________________

Date: ______________________ Signature: ______________________________________

Last Four # of SSN: ___________ Name (Print): ___________________________________

Your signature above indicates your agreement to the terms of this Authorization.

Note: No information contained in your account file can or will be provided to Law Offices until you have provided this signed document to Law Offices.

Legal Servicer for the Law Office of Dickson and Associates Representatives:

Juan Solis Fernando Trivisonno

Twins Builders Foundation Corporation 1010 North Central Avenue, Glendale, CA 91202

Tel: 1-888-777-9489 Fax: 1-888-755-1416 http://www.builder4u.org

TBFC is dedicated to assist you in your Financial Wellness program. All materials provided by consumer are governed by the Red Flag Compliance Act, HIPPA, FDCPA, FCRA and FACTA. None of the information provide by the consumer will be sold or disseminated to the public in any form. Legal Disclaimer: The legal information on

this form should not be construed as formal legal advice nor the formation of an attorney client relationship.

Form TBFC16 (Rev. 2-2010a)

CLIENT INITIAL INTAKE QUESTIONNAIRE

Your Name:

Spouse:

Contact Phone: Fax:

Email address:

Address of Property:

(State) (Zip Code)

Your Occupation:

Wife’s Occupation:

Is this your Primary Residence?

Do you own other properties?

Are they presently rented out?






How long have you owned your present home?

Names of any other persons living with you (please list your relationship to these people as well: “child”, “family”, “roommate”, etc):

1.

2.

3.

4.

5.

1. Are you currently in default on your 1st mortgage? YES NO

a. “If YES, is there a Sale Date set for your property? YES NO

b. “Date:

2. Have you been served any legal papers? YES NO

3. When did you purchase you home? month year






4. Was this a: Purchase Refinance

5. If your loan was a refinance loan, were any of the funds used for upgrades on the home?

YES

NO

6. Did you receive early disclosures within three days after you applied for the loan?

YES

NO

7. Was the mortgage broker/mortgage company recommended to you (e.g. by your realtor)?

YES

NO

8. Did the Mortgage Broker explain and/or recommend certain loan options to you?

YES

NO

9. Did the Mortgage Broker disclose that the interest rate on the loan was not fixed?

YES NO

10. Did the Mortgage Broker tell you how long the interest rate would stay fixed?

YES NO






11. Did the Mortgage Broker explain the possibility of the interest rate increasing and how payments were calculated? YES NO

12. Did the Mortgage Broker ever ask you to state an income different from what you earned?

YES NO

“If so, about how much was your actual income (per mo)? $

“And the amount stated on the loan application? $

13. Please state any other important misrepresentations or issues you felt the representative

failed to disclose:

14. At your closing, were you given a chance to read over the documents?

YES NO

15. Did you feel rushed during the closing process? YES NO






YOUR EFFORTS TO NEGOTIAGE and/or MODIFY THE LOAN

16. Who currently services your loan? (Is it the company you make the payments to)

17. Have you already requested a Loan Modification? YES NO

18. Has the review of your request been completed? YES NO

19. Were you: Approved Denied

20. Were you given a reason for Denial? YES NO

Please list reason(s) if given:

What is your monthly income? Take home Gross

(Please list each source of income separately and list all possible sources. This information will not be turned over to your servicer.)






What are your current payments on:

Property Taxes:

Homeowners Insurance:

HOA Dues:

Your cooperation in this endeavor is required. Please forward to TBFC any correspondence from any source regarding the status of your loan. We will need all the legal documents, collection letters, threats, and intimidation letters in order to build your case.

It is recommended that you keep a record of ALL harassing phone calls. It is against the law for collectors to call you at work, if they know you cannot accept collection calls. In order to assist you, TBFC cannot perform to (100%) efficiency without your assistance.

Please take advantage of all of the services in our financial, credit restoration and debt solution programs.






FOR INTERNAL USE ONLY

Was MERS named as a nominee mortgage (lender) YES NO

Was a Qualified Written Request sent out? YES NO

Date QWR Request sent:

Was a Debt Validation letter sent out? YES NO

Date Sent:

If mortgage was a refinance within the last (3) years, has a rescission letter been sent out?

YES NO

Name of Personal Assistant:

Email address of Personal Assistant:






This application was entered into the TBFC CRM system by:

(Your name)

(Your email address)

(Date of entry)

Supervisor:

AUTHORIZATION TO NEGOTIATE PURCHASE OF NOTE (Must be notarized)

Name of Homeowner: ________________________ Property Address: ________________________ ________________________ Name of Lender and Loan No.: ________________________ Dear Note Holder: Please let this Authorization, or a copy thereof, serve to permit and authorize Twins Builders Foundation Corp. (hereinafter “TBFC”), its staff, attorneys, affiliates and assignees to negotiate with your company a purchase agreement of the promissory note secured by the above-stated property. By my signature below I understand that if an agreement is reached for the purchase of my promissory note secured by the property located at the address above, that TBFC or its assignees will become the holder of my promissory note and that I will thereafter be indebted to TBFC or its assignees. I understand that the purchase of my note by TBFC or its assignees does not require or involve transferring Title to the property listed above. The bank, investor, institution or company to whom this Authorization Is provided may take reasonable steps to verify the identity of the negotiating party, but will have no liability to verify said identity. By my signature below, I agree to defend, indemnify, and hold harmless the bank, investor, institution or company from any and all claims, suits, actions or demands against the bank, investor, institution or company which I or my heirs and assigns may have as a result of the bank, investor, institution or company negotiating and selling the promissory note secured by my property identified above to TBFC or its assignees. This Authorization shall be valid for a period of five (5) years unless revoked by me with the acceptance of TBFCin a writing which bears both signatures. SIGNED AND AGREED TO: Dated: (Client’s printed name) (Client’s printed name) Client’s signature Client’s signature CC: Original to TBFC Client Investor Legal Department

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FINANCIAL WORKSHEET Important Notes: - The information provided doesn’t need to be exact and can be based in your best knowledge. - The information unknown or that does not apply leave it blank.

PERSONAL INFORMATION Name: Subject Property:

Dependents

Marital Status Relationship Age

INCOME INFORMATION Income information provided is monthly

Description Debtor Co-Debtor

Earnings

Gross wages, salary and commissions Estimated overtime

Subtotal Earnings Per Period Deductions

Payroll Taxes and Social Security Insurance Union dues Other Deductions

Subtotal Payroll Deductions

TOTAL Net Monthly Income COMBINED Net Monthly Income

Other Income

Particular business, profession, farm, etc. Rental from real property Interest and dividends

Alimony, maintenance or support paymt. Social Security or Gov. assistance Pension or retirement income Other monthly income TOTAL Other Monthly Income

AVERAGE MONTHLY INCOME COMBINED AVERAGE MONTHLY INCOME

DEBTS INFORMATION

Include total Debts of Debtors

Category Description Monthly Payment

Balance Due

Exempt

Secured

Debts

Mortgage (Subject Property) Mortgage (Other) Mortgage (Other) Auto Loan: Auto Loan: Other: Other: Other:

Unsecured

Priority

Debts

Child or Marital Support Involuntary Cases Contribution of employees benefits Taxes Other: Other:

Unsecured Non-priority

Debts (Credit Cards

& Loans)

Contracts & Unexpired

Leases

TOTALS

Comments or any additional information that you think could be helpful:

EXPENSES INFORMATION

Include total expenses of Debtors

Category Description Monthly Payment

Household & Utilities

Rent or Home Mortgage Real Property Taxes Home Owners Association Water & Power Telephone (Home & Cell) Internet / Cable / Satellite / Other Home Maintenance Food Clothing Laundry & Cleaning Medical & Dental Expenses

Transportation & Insurance

Transportation (Gas) Recreation & Entertainment Charitable Contributions Property Insurance Life Insurance Health Insurance Auto Insurance Other Insurance:

Installments &

Others

Auto Payments Other Installments: Other Installments: Alimony, Maintenance & Support paid to others Support to dependents not living at your home Regular expenses from business, profession, etc. Other Expenses: Other Expenses:

AVERAGE MONTHLY EXPENSES

Comments or any additional information that you think could be helpful:

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