Dear Valued Borrower(s): As your mortgage servicer, we want to help you stay in your home.

We want you to know there is a program available that may help you. If you qualify under the federal governments Home Affordable Modification Program and comply with the terms of the Home Affordable Modification Program Trial Period Plan, we will modify your mortgage loan and you can avoid foreclosure. How can you find out if you qualify? Just follow the steps below and let us know that you need help, TODAY!

Detailed instructions on what you need to do to take advantage of this program are set forth on the enclosed document entitled Complete Your Checklist. Generally, you will need to: Explain the financial hardship that makes it difficult for you to pay your mortgage loan using the Request for Mortgage Assistance (RMA, enclosed). Submit the required documentation of your income. Make timely monthly trial period payments.

If you meet the eligibility criteria, you will be offered a Trial Period Plan. The monthly trial period payments will be based on the income documentation that you provide. They will be an estimate of what your payment will be if we are able to modify your loan under the terms of the program. If you do not qualify for a loan modification, we will work with you to explore other options available to help you keep your home or ease your transition to a new home. Be sure you continue making your regular mortgage payments until you hear from us about your eligibility for this program. When we receive your completed documents and verify your information, well determine if you qualify for a Home Affordable Modification of your loan. During this review period, your home will not be referred to foreclosure or sold at a foreclosure sale.

Please complete the enclosed forms and submit all the required income documentation. Now is the time to act. We are ready to help you. Please take the steps outlined on the enclosed document Complete Your Checklist. If you have any questions, please contact us at 1.888.565.1422. Sincerely, Sharon Zuniga Senior Vice President Wells Fargo Home Mortgage

Attachments: Complete Your Checklist, Next Steps, Important Program Info, RMA, IRS Form 4506-T, Non-Borrower Occupant Certification Form, and Escrow Requirement

Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.

Beware of Foreclosure Rescue Scams. Help is free! There is never a fee to get assistance or information about the Making Home Affordable Program from your lender or a HUD-approved housing counselor. o For a HUD-approved counselor, visit: http://www.hud.gov/offices/hsg/sfh/hcc/fc/

Beware of any person or organization that asks you to pay a fee in exchange for housing counseling services or modification of a delinquent loan. Beware of anyone who says they can save your home if you sign or transfer over the deed to your house. Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt. Never make your mortgage payments to anyone other than your mortgage company without their approval.

This communication is an attempt to collect a debt and any information obtained will be used for that purpose. However, if you have received adischarge of this debt in bankruptcy or are currently in a bankruptcy case, this notice is not intended as an attempt to collect a debt and, this company has a security interest in the property and will only exercise its right as against the property. With respect to those loans secured by property located in the state of California, the state Rosenthal Fair Debt Collection Practices Act and theFederal Fair Debt Collection Practices Act require that, except under unusual circumstances collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleadingstatements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877FTC-HELP or www.ftc.gov

To see if you qualify for this program, send the items listed below to Wells Fargo Home Mortgage, 4101 Wiseman Blvd, Mail code T7408-016, San Antonio, TX 78251.
1. The enclosed Request for Mortgage Assistance completed and signed by all borrowers (no notary required), Important note: You will need to provide information about other properties you own (if applicable), including property address and loan information. If you are requesting mortgage assistance for a property that is not your principal residence, you will also need to provide information about your taxes, insurance, homeowners association fees, and occupancy status. In addition, you will need to read and initial the Rental Property Certification. 2. A signed and dated copy of the IRS Form 4506-T (Request for Transcript of Tax Return) for each borrower (borrowers who filed their tax returns jointly may send in one IRS Form 4506-T signed and dated by both of the joint filers). 3. Proof of i ncome doc umentation to v erify a ll income of eac h bor rower. F or e asy r eference, t his i nformation is separated into five sections: A. Gross monthly income B. Self-employed borrower income/business income C. Retirement/pension/unemployment and disability income D. Income from tenants E. Other income Please note: Income must be documented as required. Include combined income and expenses from the borrower and co-borrower (if any). If you include income and expenses from a household member who is not a borrower, please specify using the back of this form if necessary. Additional income documentation may or may not be required. If you have other types of income, cannot locate required documents, or have questions about the documentation required, please contact us at 1.888.565.1422. A. Gross monthly income For wage earners/salary: If homeowner(s) are wage earners, the following proof of income, including year-to-date information, must be provided, such as most recent paystubs: 30 days of wages: If paid weekly send four paystubs If paid biweekly send three paystubs If paid semi-monthly send two paystubs If paid monthly send one paystub If unable to provide paystubs, salary vouchers with the dates of payment must be dated within the last 30 days, including year-to-date information and the borrowers name and/or Social Security number. If unable to provide paystubs and salary vouchers (e.g. you are paid in cash), please send a letter from the employer with pay frequency and amount. This letter must be on company letterhead, signed and dated within the last 30 days and include year-to-date information, the borrowers name and/or Social Security number. The most recent tax returns along with a copy of filed IRS extension must be provided.

 Other Earned Income such as bonuses, commissions, housing allowance, tips, or overtime: Reliable

third-party documentation describing the amount and nature of the income (e.g., employment contract or printouts documenting tip income).

B. Self-employed/ business income

Borrowers complete personal and business tax return for the most recent year with all schedules OR Most recent quarterly or year-to-date profit and loss statement that reflects activity for the most recent three months; AND Copies of bank statement for the business account for the last two months evidencing continuation of business activity. Note: If the federal tax return has not been filed and it is past the filing deadline, please send a copy of the filing extension request along with the profit and loss statement for the year not filed. C. Retirement, pension, unemployment and disability

IRA/401K/investment income:

Most recent two months account statement AND at least ONE of the following: Borrowers most recent year of tax returns (1040) including all schedules or most recent 1099 forms Retirement or pension: Award letter for current year unless it states lifetime and three months bank statements Unemployment income and short-term disability income: Award letter within 60 days AND three months recent bank statements or cancelled checks. Social Security, disability or death benefits, pension, public assistance, or adoption assistance: Documentation showing the amount and frequency of the benefits, such as letters, exhibits, disability policy or benefits statement from the provider, AND Documentation showing the receipt of payment, such as copies of the two most recent bank statements showing deposit amounts. D. Income from tenants

Rental/boarder income:

Copy of the most recent filed federal tax return with all schedules; including Schedule E Supplemental Income and Loss. Rental income for qualifying purposes will be 75% of the gross rent reduced by the monthly debt service on the property if applicable; OR If rental income is not reported on Schedule E Supplemental Income and Loss, provide a copy of the current lease agreement with either bank statements (demonstrating receipt of rent) or evidence of damage deposits. If boarder income is also included: Proof of occupancy (i.e.cell phone or utility bill, bank statements or other evidence of occupancy from boarder).

E. Other Income Alimony, child support, or separation maintenance payments as qualifying income:* Copy of divorce decree, separation agreement, or other written legal agreement filed with a court, or court decree that states the amount of the alimony, child support, or separation maintenance payments and the period of time over which the payments will be received, AND Copies of your two most recent bank statements or other third-party documents showing receipt of payment. *Notice: Alimony, child support, or separation maintenance income need not be revealed if you do not choose to have it considered for repaying this loan. Welfare: If welfare is listed as income, need a letter from the County.

 Non-borrower household income: The income of a non-borrower who contributes to the mortgage loan payment and is included in the monthly gross income must be documented and verified using the same standards used for verifying a borrowers income, including a completed and signed 4506-T. Proof of occupancy (i.e., cell phone or utility bill, bank statements or other evidence of occupancy from contributor), Contribution letter stating contributors name, relationship, frequency, and amount of contribution, signed and dated by contributor. 4. The enclosed Non-Borrower Occupant Certification Form must be completed, signed and dated by each individual who lives at your property address whose income will be included in the review of your loan modification program, but is not on the loan as a borrower, so that we can proceed with your loan modification process. 5. We will also need the following information to complete this analysis: For homeowner insurance review and setup of Escrow account: Copy of homeowner insurance declaration page showing the annual premium amount and start and end dates of the coverage. Copy of flood insurance declaration page showing the annual premium amount and start and end dates of the coverage, if applicable. Proof of Homeowners Association Dues showing amount and frequency of dues, if applicable. If you have other types of income, cannot locate required documents, or have questions about the documentation required, please contact us at 1.888.565.1422. Please send in all required income documentation, tax returns, completed Form 4506-T, signed RMA, and the Non-Borrower Occupant Certification Form. Keep a copy of all documents for your records. Dont send original income documentation as copies are acceptable.

Please read this section carefully to understand what you can expect from this process. A. Once we receive all of your documentation and verify your information, we will determine whether you qualify for a Home Affordable Modification of your loan. If you do, we will send you a Home Affordable Modification Trial Period Plan Notice which will outline your next steps and obligations for the trial. B. Under the Trial Period Plan, you will be required to make trial period payments, instead of your regular mortgage loan payments. The trial period payments should be close to the amount you would pay under a modification. Near the end of the trial period, we will be able to calculate the final amount and the final terms of your modified loan. Then we will send you two copies of the Home Affordable Modification Agreement for your signature. C. In addition, to successfully completing the Trial Period Plan, you will need to sign and return both copies of the Modification Agreement to us promptly. The Modification Agreement will only become effective after we sign it and return it to you with all signatures. Once the Modification Agreement becomes effective, we will modify your loan. D. Please note that it may take up to 30 days for us to review your documents, after we receive all required documentation. During this review period, your home will not be referred to foreclosure or sold at a foreclosure sale. However, if you fail to comply with the terms of the Trial Period Plan and do not make other arrangements with us, your loan will be enforced according to its original terms. This could include foreclosure. What you need to know about foreclosure We will continue to work with you to help you avoid a foreclosure sale. However, please understand that if you have not yet been referred to foreclosure, that process could begin at any time. If your mortgage has been referred to foreclosure, as part of the foreclosure process, you may receive notices from a third-party attorney delivered by mail, or see steps being taken to proceed with a foreclosure sale of your home. During the HAMP trial period, a foreclosure sale will not be held as long as you comply with the terms of the trial period plan and make all your payments on time. E. Please contact us at 1.888.565.1422 if you have any questions about the process.

I will contact you if you do not qualify for this program. If you do not qualify, I will want to discuss other alternatives with you that may help you keep your home or ease your transition to another home.

NO FEES. There are no fees under the Home Affordable Modification Program. TRIAL PERIOD PLAN/MODIFICATION PROCESS. Submitting all required documentation to be considered for the program is the first step. If you are eligible for the program, you will need to successfully complete a trial period by making trial period payments. Once we are able to finalize your modified loan terms near the end of this trial period, we will send you a loan modification agreement ("Modification Agreement"), which will reflect the terms of your modified loan. In addition to successfully completing the trial period, you will need to sign and promptly return to us both copies of the Modification Agreement or your loan can not be modified. NEW PRINCIPAL BALANCE. Any past due amounts as of the end of the trial period, including unpaid interest, real estate taxes, insurance premiums, and certain assessments paid on your behalf to a third party will be added to your mortgage loan balance (the "Past Due Arrearage Amount"). If you fulfill the terms of the trial period including, but not limited to, making the trial period payments, we will waive ALL unpaid late charges at the end of the trial period. ESTIMATED MONTHLY PAYMENT. At this time, we are not able to calculate precisely the Past Due Arrearage Amount or the amount of the modified loan payment that will be due after successful completion of the trial period. As we near the end of the trial period, we will calculate any past due amount to determine your new permanent monthly payment and other modified loan terms. ESCROW ACCOUNT. The terms of your Trial Payment Plan and your Modification Agreement will require us to set aside a portion of your new monthly payment in an escrow account for payment of your property taxes, insurance premiums and other required fees. Your current loan may also require escrows. If it does not, the previous waiver of escrows is cancelled under your Trial Period Plan. We will draw on this account to pay your real estate taxes and insurance premiums as they come due. Please note that your escrow payment amount will adjust if your taxes, insurance premiums and/or assessment amounts change, so the amount of your monthly payment that we must place in escrow will also adjust as permitted by law. This means that your monthly payment may change. BORROWER INCENTIVE. Based on Home Affordable Modification Program requirements, your loan may qualify for borrower incentives. CREDIT COUNSELING. If you have very high levels of debt, you will be required to obtain credit counseling under the Home Affordable Modification Program. CREDIT REPORTING. When you become past due on your mortgage payments, it's important to understand that the actions you take to correct the situation can affect your credit score. If you choose a loan modification, your credit score could be negatively impacted during the trial period plan, but it may not be as impacted as an ongoing series of late payments or foreclosure. During that process, we are required to continue to report the delinquency status of your loan to the credit reporting agencies as "paying under a partial or modified payment agreement". When you are approved for a permanent loan modification, the modification process is complete and is recorded on your credit report as "loan modified" as long you make your permanently modified payments on time. Keep in mind that the degree of impact to your credit score depends on your overall credit circumstances and is different for each individual. For more information about your credit score, go to http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre24.shtm .

Making Home Affordable Program Request for Mortgage Assistance (RMA)

Requesting mortgage assistance for mortgage loan number: ______________________ I/We want to: The property is my/our: The property is: Keep the property Primary residence Owner occupied Sell the property Second home Renter occupied Investment property Vacant

Borrower information
Borrower Borrowers name Social Security number Home phone number ( ) Cell phone number ( ) Work phone number ( ) Email address Mailing address Date of birth Co-borrower Co-borrowers name Social Security number Home phone number ( ) Cell phone number ( ) Work phone number ( ) Email address Mailing address (if different than borrowers) Date of birth

Have you contacted a credit-counseling agency for help? If yes, complete counselor contact information below.

Yes

No

Counselors name: _____________________________Counselors phone number: ( Counselors email: _____________________________ Is any borrower a servicemember? Yes No

) _________________________

If yes, have you recently been deployed away from your principal residence or recently received a permanent change of station order? Yes No Yes No Chapter 12 Chapter 13 Has your bankruptcy been discharged? Yes No

Have you filed for bankruptcy? If yes: Chapter 7 Chapter 11

Filing date: ___________________________________ Bankruptcy case number: _________________________

Please note that if you have or will receive a discharge from a bankruptcy case, and the mortgage was not reaffirmed in the bankruptcy case, we will only exercise our rights against the property and are not attempting any act to collect the discharged debt from you personally. Additionally, your decision to discuss workout options with us is strictly voluntary. You are not obligated to

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pursue any workout options discussed with us. At your request, we will immediately terminate any such discussions should you no longer wish to pursue these options. How many single family properties other than your principal residence do you and/or any co-borrower(s) own individually, jointly, or with others? _____________ Has the mortgage on your principal residence ever had a Home Affordable Modification Program (HAMP) trial period plan or permanent modification? Yes No

Has the mortgage on any other property that you or any co-borrower own had a permanent HAMP modification? Yes No If yes, how many? _____________

Are you or any co-borrower currently in or being considered for a HAMP trial period plan on a property other than your principal residence? Yes No

Principal residence information

Note: If you are requesting mortgage assistance, you must complete this section even if you are not seeking mortgage assistance on your principal residence. Principal residence loan number Property address (if same as mailing address, write same) Number of people who live in the home Principal residence servicer name

Is this property listed for sale?

Yes

No

If yes, what was property listing date? _______________________ Have you received an offer on the property? Date of offer: ___________________ Yes No Closing date: _______________

Amount of offer: $______________________

Agent/Agency name: _______________________________ Agent/Agency phone number ( )_____________________ For sale by owner? Yes No I do Yes Yes Yes Servicer does No $ __________________________ No

Who pays the real estate tax bill on your property? Are the taxes current? Monthly condominium or homeowners association fee? Are fees paid current?

Paid to (Name and Address) ______________________________

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Who pays the homeowners insurance policy for your property? I do Servicer does Yes Paid by condominium or homeowners association (HOA) No

Is the policy current?

If paid by you, or your condominium or HOA, name of insurance company:_______________________________________ Insurance company phone number: ( ) ____________

Annual homeowners insurance: $___________________________ If there are additional liens/mortgages or judgments on this property, name the person(s), company or firm and phone number(s). Lien holder's name/Servicer: ___________________________ Phone number: ( ) _________________________

Loan number: _____________________________________ Balance: $___________________________________ Lien holder's name/Servicer: ___________________________ Phone number: ( ) _________________________

Loan number: _____________________________________ Balance: $___________________________________ Complete this section ONLY if you are requesting mortgage assistance with a property that is not your principal residence. Principal residence servicer name: __________________________________ Principal residence phone number: ( ) ___________________________ Yes No

Is the mortgage on your principal residence paid?

If no, number of months your payment is past due (if known):______________

Hardship Affidavit
I am requesting review under the Making Home Affordable Program. I am having difficulty making my monthly payment because of financial difficulties created by (check all that apply): My household income has been reduced. For example: reduced pay or hours, decline in business earnings, death, disability or divorce of a borrower or co-borrower. My monthly debt payments are excessive and I am overextended with my creditors. Debt includes credit cards, home equity or other debt. My expenses have increased. For example: monthly mortgage payment reset, high medical or health care costs, uninsured losses, increased utilities or property taxes. My cash reserves, including all liquid assets, are insufficient to maintain my current mortgage payment and cover basic living expenses at the same time. I am unemployed and (a) I am receiving/will receive unemployment benefits or (b) my unemployment benefits ended less than 6 months ago. Other Explanation (continue on back of page 3 if necessary): ___________________________________________________________________________________________ ___________________________________________________________________________________________ ___________________________________________________________________________________________

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Income/expenses for household

Important note: All income must be documented. Combined income and expense of borrower and co-borrower You are not required to disclose child support, alimony or separation maintenance income unless you choose to have it considered by your servicer. 1 2 3 Monthly household income Monthly household expenses/debt Household assets Monthly gross wages Overtime Borrower start date of employment (MMDDYYYY) Co-borrower start of employment (MMDDYYYY) Borrower other employment start date (MMDDYYYY) (If borrower has a second job) Co-borrower other employment start date (MMDDYYYY) Child support/alimony/separation maintenance Non-taxable Social Security/Social Security Disability Insurance Other monthly income from pensions, annuities or retirement plans Tips, commissions and bonus income Self-employment income Unemployment income Start date of unemployment (MMDDYYYY) Gross rent received 3 Boarder income Food stamps/Welfare Other (investment income, royalties, interest, dividends, etc.) $ $ $ $ $ $ First mortgage payment $ Checking account(s) $ $ Savings/money market account(s) $ $ Certificate(s) of deposit (CDs) $ $ $ Stocks/bond(s) $ $ Other cash on hand Other real estate (estimated value) Other $ $ $ $ $ $ Second mortgage payment/ $ other liens Homeowners insurance1 Property taxes2 Credit cards/installment loan(s) (total minimum payment per month) Alimony/separation maintenance/child support payments Net rental expenses/ property maintenance expenses Homeowners association/ condominium fees Child care expenses $ $ $ $ $ $ $

$ $

Taxable Social Security benefits $ $ $ $ $

Car payments, including car $ lease payments Car insurance/gas/ maintenance Health insurance/medical expenses Life insurance premiums (not withheld from pay) Groceries Water/sewer/utilities $ $ $ $ $

Internet/cable/satellite/cell $ phone/home phone Personal loans/tuition Charitable contributions Mortgage payments for other properties 4 Other $ $ $ $

Do not include retirement plans when calculating assets (401(k), pension funds, annuities, IRAs, Keogh plans, etc.)

Total (gross income)

Total debts/expenses

Total assets

1. Only include your homeowners insurance payment if you pay this amount yourself. 2. Only include your property tax payments if you pay them yourself. 3. Include rental income received from all properties you own EXCEPT a property for which you are seeking mortgage assistance in the following section. 4. In clude m ortgage p ayments o n a ll p roperties y ou o wn E XCEPT y our p rincipal r esidence a nd t he p roperty f or w hich y ou a re seeking mortgage assistance in the following section.

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Information about your other properties

Other properties owned You must provide information about all properties that you or the co-borrower own, other than your principal residence and the property that you are requesting assistance for. (See below.) Use additional sheets if necessary. Other Property #1 Property address: ______________________________________________________________________________ Loan number: ______________________________________ Mortgage balance: $__________________________________ Property is: Vacant Second or seasonal home Servicer name: ______________________________ Current value: $_____________________________

Rented Monthly mortgage payment*: $___________________

Gross monthly rent: $_________________________________ Other Property #2

Property address:_______________________________________________________________________________ Loan number:______________________________________ Mortgage balance: $__________________________________ Property is: Vacant Second or seasonal home Servicer name: ______________________________ Current value: $_____________________________

Rented Monthly mortgage payment*: $___________________

Gross monthly rent: $_________________________________ Other Property #3

Property address:_______________________________________________________________________________ Loan number: ______________________________________ Mortgage balance: $__________________________________ Property is: Vacant Second or seasonal home Servicer name: ______________________________ Current value: $_____________________________

Rented Monthly mortgage payment*: $___________________

Gross monthly rent: $_________________________________

* The amount of the monthly payment made to your Servicer including, if applicable, monthly principal, interest, real property taxes and insurance premiums. Other property for which assistance is requested Complete this section ONLY if you are requesting mortgage assistance with a property that is not your principal residence. I am requesting mortgage assistance with a rental property. Yes No Yes No

I am requesting mortgage assistance with a second or seasonal home. If yes to either, I want to: Keep the property

Sell the property

Property address: ______________________________________________________________________________ Loan number: _______________________________________ Do you have a second mortgage on the property? Yes No Loan Number: _______________________________

If yes, Servicer name: ________________________________

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Do you have condominium or homeowner association (HOA) fees? If yes, monthly fee: $________________________________ Are HOA fees paid current? Yes No

Yes

No

Name and address that fees are paid to: _______________________________________________________________ Does your mortgage payment include taxes and insurance? If no, are the taxes and insurance paid current? Yes Yes No No

If insurance is paid by you or HOA, name of insurance company: ______________________________________________ Insurance company phone number: (____) ________________________ Annual homeowners insurance: $________________________ If requesting assistance with a rental property, property is currently: Vacant and available for rent Occupied without rent by your legal dependent, parent or grandparent as their principal residence Other ______________________________________________ Annual property taxes: $________________________

Occupied by a tenant as their principal residence If rental property is occupied by a tenant: Term of lease /occupancy:

____ / ____/________ ____ / ____/________ MM / DD / YYYY MM / DD / YYYY

Gross monthly rent: $________________________________ If rental property is vacant, describe efforts to rent property: ___________________________________________________________________________________________ ___________________________________________________________________________________________ If applicable, describe relationship of and duration of non-rent paying occupant of rental property: _______________________ ___________________________________________________________________________________________ Is the property for sale? Yes No Phone number: (___) _______________________

If yes, listing agent's name: ______________________________ List date: ___________________________________________ Have you received a purchase offer? Yes No

Amount of offer: $____________________________________ Rental Property Certification

Closing Date______________________________

You must complete this certification if you are requesting a mortgage modification with respect to a rental property. By checking this box and initialing below, I am requesting a mortgage modification under MHA with respect to the rental property as previously described and I hereby certify under penalty of perjury that each of the following statements is true and correct with respect to that property: 1. I intend to rent the property to a tenant or tenants for at least five years following the effective date of my mortgage modification. I understand that the servicer, the U.S. Department of the Treasury, or their respective agents may ask me to provide evidence of my intention to rent the property during such time. I further understand that such evidence must show that I used reasonable efforts to rent the property to a tenant or tenants on a year-round basis, if the property is or becomes vacant during such five-year period. Note: The term reasonable efforts includes, without limitation, advertising the property for rent

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in local newspapers, websites or other commonly used forms of written or electronic media, and/or engaging a real estate or other professional to assist in renting the property, in either case, at or below market rent. 2. The property is not my secondary residence and I do not intend to use the property as a secondary residence for at least five years following the effective date of my mortgage modification. I understand that if I do use the property as a secondary residence during such five-year period, my use of the property may be considered to be inconsistent with the certifications I have made herein. Note: The term secondary residence includes, without limitation, a second home, vacation home or other type of residence that I personally use or occupy on a part-time, seasonal or other basis. 3. I do not own more than five (5) single-family homes (i.e., one-to-four unit properties) (exclusive of my principal residence). Notwithstanding the foregoing certifications, I may at any time sell the property, occupy it as my principal residence, or permit my legal dependent, parent or grandparent to occupy it as their principal residence with no rent charged or collected, none of which will be considered to be inconsistent with the certifications made herein. This certification is effective on the date I signed this form or the date the RMA is received by your Servicer. Initials: Borrower: ________ Co-borrower: _______

Dodd-Frank Certification
The following information is requested by the federal government in accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub. L.111-203). You are required to furnish this information. The law provides that no person shall be eligible to begin receiving assistance from the Making Home Affordable Program, authorized under the Emergency Economic Stabilization Act of 2008 (12 U.S.C. 5201 et seq.), or any other mortgage assistance program authorized or funded by that Act, if such person, in connection with a mortgage or real estate transaction, has been convicted, within the last 10 years, of any one of the following: (A) felony larceny, theft, fraud, or forgery, (B) money laundering or (C) tax evasion. I certify under penalty of perjury that I have not been convicted within the last 10 years of any one of the following in connection with a mortgage or real estate transaction: (a) felony larceny, theft, fraud, or forgery, (b) money laundering or (c) tax evasion. I understand that the servicer, the U.S. Department of the Treasury, or their respective agents may investigate the accuracy of my statements by performing routine background checks, including automated searches of federal, state and county databases, to confirm that I have not been convicted of such crimes. I also understand that knowingly submitting false information may violate Federal law. This certification is effective on the date I signed this form or the date this RMA is received by your servicer.

Borrower and Co-Borrower Acknowledgment and Agreement

1. I certify that all of the information in this RMA is truthful and the hardship(s) identified above has contributed to submission of this request for mortgage relief. 2. I understand and acknowledge that the Servicer, the U.S. Department of the Treasury, the owner or guarantor of my mortgage loan, or their respective agents may investigate the accuracy of my statements, may require me to provide additional supporting documentation and that knowingly submitting false information may violate Federal and other applicable law. 3. I authorize and give permission to the Servicer, the U.S. Department of Treasury, and their respective agents, to assemble and use a current consumer report on all borrowers obligated on the loan to investigate each borrowers eligibility for MHA and the accuracy of my statements and any documentation that I provide in connection with my request for assistance. I understand that these consumer reports may include, without limitation, a credit report, and be assembled and used at any point during the application process to assess each borrowers eligibility thereafter. 4. I understand that if I have intentionally defaulted on my existing mortgage, engaged in fraud or if it is determined that any of my statements or any information contained in the documentation that I provide are materially false and that I was ineligible for assistance under MHA, the Servicer, the U.S. Department of the Treasury, or their respective agents may terminate my participation in MHA, including any right to future benefits and incentives that otherwise would have been available under the program, and also may seek other remedies available at law and in equity, such as recouping any benefits or incentives previously received. 5. I certify that any property for which I am requesting assistance is a habitable residential property that is not subject to a condemnation notice.

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6. I certify that I am willing to provide all requested documents and to respond to all Servicer communications in a timely manner. I understand that time is of the essence. 7. I understand that the Servicer will use the information I provide to evaluate my eligibility for available relief options and foreclosure alternatives, but the Servicer is not obligated to offer me assistance based solely on the representations in this document or other documentation submitted in connection with my request. 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 am eligible for assistance under MHA, and I accept and agree to all terms of an MHA notice, plan or agreement, I also agree that the terms of this Acknowledgment and Agreement are incorporated into such notice, plan or agreement by references as if set forth therein full. My first timely payment, if required, following my Servicers determination and notification of my eligibility or prequalification for MHA assistance will serve as my acceptance of the terms set forth in the notice, plan, or agreement sent to me. 10. I u nderstand th at th e Servicer w ill c ollect a nd r ecord p ersonal i nformation, i ncluding, b ut n ot limited t o, m y n ame, a ddress, telephone n umber, S ocial S ecurity nu mber, c redit s core, i ncome, p ayment h istory, g overnment m onitoring i nformation, a nd information a bout a ccount b alances a nd a ctivity. I u nderstand a nd co nsent t o t he di sclosure o f my p ersonal i nformation a nd t he terms of any M aking Home A ffordable Agreement by S ervicer to (a) the U.S. D epartment of the Treasury or its agents, (b) Fannie Mae a nd F reddie M ac in c onnection with t heir r esponsibilities u nder t he H omeowner Affordability a nd S tability P lan; ( c) a ny investor, i nsurer, g uarantor o r Servicer that o wns, i nsures, guarantees o r s ervices m y first l ien or s ubordinate lien ( if applicable) mortgage loan(s); (d) companies and or individuals that perform support services in conjunction with home preservation mortgage assistance efforts; (e) auditors, including but not limited to independent auditors, regulators and agencies and (f) any HUD-certified housing counselor. 11. I consent to being contacted concerning this request for mortgage assistance at any email address or cellular or mobile telephone number I have provided to the Servicer. This includes text messages and telephone calls to my cellular or mobile telephone. Borrower signature(s): The undersigned certifies under penalty of perjury that all statements in this document are true and correct.

________________________________________ Borrower signature ________________________________________ Borrower Social Security number ________________________________________ Borrower date of birth ________________________________________ Date

____________________________________________ Co-borrower signature ____________________________________________ Co-borrower Social Security number ____________________________________________ Co-borrower date of birth ____________________________________________ Date

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Contacts if you have questions

If you have questions about this document or your available options, please contact your home preservation specialist. If you have questions about your options that your Servicer cannot answer or if you need further counseling, call the Homeowners HOPE Hotline at 1-888-995-HOPE (4673). A Hotline counselor will help you by answering questions about your available options and providing you with free HUD-certified counseling services in English and Spanish.

Information for government monitoring purposes

The following information is requested by the federal government in order to monitor compliance with federal statutes that prohibit discrimination in housing. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender or Servicer may not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, the lender or Servicer is required to note the information on the basis of visual observation and surname if you have made this request for assistance in person. If you do not wish to furnish the information, please check the box below. Borrower Ethnicity: Race: I do not wish to furnish this information. Hispanic or Latino Not Hispanic or Latino American Indian or Alaska Native Asian Black or African American Native Hawaiian or Other Pacific Islander White Female Male Co-Borrower Ethnicity: Race: I do not wish to furnish this information. Hispanic or Latino Not Hispanic or Latino American Indian or Alaska Native Asian Black or African American Native Hawaiian or Other Pacific Islander White Female Male

Sex:

Sex:

To be completed by interviewer This application was taken by: Face-to-face interview Mail Telephone Internet Interviewers name (print or type) Interviewers signature Interviewers phone number (include area code) Name /Address of interviewers employer Date Interviewers ID number

Notice to Borrower
Be advised that you are signing this document under penalty of perjury. Any misstatement of material fact made in the completion of these documents including but not limited to misstatement regarding your occupancy in your home, hardship circumstances, and/or income will subject you to potential criminal investigation and prosecution for 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. If you are aware of fraud, waste, abuse, mismanagement or misrepresentations 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 be sent to Hotline Office of the Special Inspector General for Troubled Asset Relief Program, 1801 L St. NW, Washington, DC 20220.

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Home Affordable Modification Program Non-Borrower Occupant Certification Form

Use this form for an individual at your principal address who is not on the loan as a borrower, but whose income will be included in the review of your loan modification. Borrower name(s): Mortgage account number: Property address: _____________________________________ _____________________________________ _____________________________________ __________________________________ _____________________________________ _____________________________________ Information to be completed by the non-borrower occupant: Name: _____________________________________________________________________________
First Middle Last Suffix

Date of birth: ____________________________________ Social Security Number: ______-____-________ Relationship to the borrower/homeowner: By signing below, I agree to the following: I reside at the borrowers principal residence and request my income be included in the review for a modification of the loan secured by the above property. I contribute the following income to household expenses and mortgage payments each month and will continue to do so for the foreseeable future (check one): 100% of my income Other amount $______________________ Spouse or Domestic partner Other ____________________

I direct Wells Fargo to obtain copies of my credit report to verify my occupancy in the borrowers principal residence. I understand my consent for a credit bureau report shall expire upon completion of the loan modification review. Has your income previously been used in an evaluation for a Home Affordable Modification Program trial period plan or permanent modification for a principal residence? Yes No Has the mortgage on any other property that you own had a permanent Home Affordable Modification? Yes No If yes, how many? _____________

Signature of non-borrower occupant: _________________________________________ ______________________________________

Date

Signature

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. 2012 Wells Fargo Bank, N.A. All rights reserved. Equal Housing Lender. NMLSR ID 399801

RE: Loan Modification & Escrow Requirement

If the loan is not escrowed for the payment of taxes and insurance, as part of the modification process, an escrow account will be established on the loan. If delinquent escrow amounts are advanced, then the loan will remain escrowed, even if the modification is not approved. Any prior waiver that allowed you to pay directly for taxes and insurance will be revoked.