The Law Offices of David J. Stern, P.A. Plaintiff, v. Chase Home Finance, LLC, Defendant

Case 1:11-cv-21039-PCH Document 1-2 Entered on FLSD Docket 03/25/2011 Page 1 of 118
Service of Process
Transmittal
03/15/2011
CT Log Number 518189654
TO: Carl Del Vecchio
JPMorgan Chase Bank, N.A.
1 Chase Manhattan Plaza - 20th Floor, Legal Department
New York, NY 10005
RE: Process Served in Florida
FOR: Chase Home Finance LLC (Domestic State: DE)
ENCLOSED ARE COPIES OF LEGAL PROCESS RECEIVED BY THE STATUTORY AGENT OF THE ABOVE COMPANY AS FOLLOWS:
TITLE OF ACTION: The Law Offices of David J. Stern, P.A., Pltf. vs. Chase Home Finance, LLC, Dft.
Name discrepancy noted.
DOCUMENT(S) SERVED: Summons, Complaint, Cover Sheet, Exhibit(s)
COURT/AGENCY: Miami-Dade County Circuit Court, FL
Case # 11 -8033CA01 (23)
NATURE OF ACTION: Breach of Contract; Failure to pay Plaintiff for the legal services provided to
Defendant - Seeking $398,979.95
ON WHOM PROCESS WAS SERVED: C T Corporation System, Plantation, FL
DATE AND HOUR OF SERVICE: By Process Server on 03/15/2011 at 13:20
JURISDICTION SERVED: Florida
APPEARANCE OR ANSWER DUE: Within 20 days after service, exclusive of the day of service
ATTORNEY(S) / SENDER(S): Jeffrey A. Tew
Tew Cardenas LLP
The Four Seasons Tower
1441 Brickell Avenue
15th Floor
Miami, FL 33131
305-536-1112
ACTION ITEMS: CT has retained the current log, Retain Date: 03/15/2011, Expected Purge Date:
04/14/2011
Image SOP
SIGNED: C T Corporation System
PER: Donna Moch
ADDRESS: 1200 South Pine Island Road
Plantation, FL 33324
TELEPHONE: 954-473-5503
Page 1 of 1 / MC
Information displayed on this transmittal is for CT Corporation's
record keeping purposes only and is provided to the recipient for
quick reference. This information does not constitute a legal
opinion as to the nature of action, the amount of damages, the
answer date, or any information contained in the documents
themselves. Recipient is responsible for interpreting said
documents and for taking appropriate action. Signatures on
certified mail receipts confirm receipt of package only, not
contents.
IN THE CIRCUIT COURT OF THE 11 TH JUDICIAL CIRCUIT IN AND FOR

MIAMI-DADE COUNTY, FLORIDA
THE LAW OFFICES OF DAVID J. STERN, P.A. CASE NO // gO 6/Y-DI

Plaintiffs,
V.
CHASE HOME FINANCE, LLC
Defendant.
/ ,31/1—/n
SUMMONS
THE STATE OF FLORIDA:

TO EACH SHERIFF OF THE STATE: 42-ri / 4/4 s-ics
YOU ARE COMMANDED to serve this summons and a copy of the Complaint in this action on
Defendant:
CT Corporation System
1200 South Pine Island Road
Plantation, Florida 33324
Defendant is required to serve written defenses to the Complaint on Plaintiff's attorney:
Matias R. Dorta, Esq.

Tew Cardenas LLP
1441 Brickell Ave, 15 th Floor
Miami, FL 33131
Tel. 305-536-1112
within 20 days after service of this summons on that defendant, exclusive of the day of service, and to file
the original of the defenses with the Clerk of this Court either' before service on Plaintiff's attorney or
immediately thereafter. If a defendant fails to do so, a default will be entered against that defendant for
the relief demanded in the Complaint.
DATED: EAR 14
CLERK OF THE CIRCUIT COURT
(Court Seal)

MARLENE GARCIA;
By:
Deputy Clerk
IMPORTANT
If you are a person with a disability who needs any accommodation to participate in this
proceeding, you are entitled, at no cost to you, to the provision of certain assistance. Please
contact the Miami-Dade County Court's ADA Coordinator at Lawson E. Thomas Courthouse
Center, 175 N.W. 1st Ave., Suite 2702, Miami, FL 33128, telephone numbers (305) 349-7175
for voice or (305) 349-7174 for TDD and 349-7355 for fax, within two working days of your
receipt of this document. If you are hearing or voice impaired, please call 711 for the Florida
Relay Service."
IMPORTANTE
Usted ha sido demandado legalmente. Tiene 20 dias, contados a partir del recibo de esta
notificacion, para contestar la demanda adjunta, por escrito, y presentarla ante este tribunal. Una
llamada telefonica no lo protegera. Si usted desea que el tribunal considere su defensa, debe
presentar su respuesta por escrito, incluyendo el numero del caso y los nombres de las partes
interesadas. Si usted no contesta la demanda a tiempo, pudiese perder el caso y podria ser
despojado de sus ingresos y propiedades, o privado de sus derechos, sin previo aviso del tribunal.
Existen otros requisitos legales. Si lo desea, puede usted consultar a un abogado
inmediatarnente. Si no conoce a un abogado, puede llamar a una de las oficinas de asistencia
legal que aparecen en la guia telefonica.
Si desea responder a la demanda por su cuenta, al mismo tiempo en que presenta su

respuesta ante el tribunal, debera usted enviar por correo o entregar una copia de su respuesta a la
persona denominada abajo como "Plaintiff/Plaintiffs Attorney" (Demandante o Abogado del
Demandante).
IMPORTANT
Des poursuites judiciares ont ete entreprises contre vous. Vous avez 20 jours consecutifs
a partir de la date de l'assignation de cette citation pour deposer une reponse ecrite a la plainte ci-
jointe aupres de ce tribunal. Un simple coup de telephone est insuffisant pour vous proteger.
Vous etes oblige de deposer votre reponse ecrite, avec mention du numero de dossier ci-dessus et
du nom des parties nommees ici, si vous souhaitez que le tribunal entende votre cause. Si vous
ne deposez pas votre reponse ecrite dans le relai requis, vous risquez de perdre la cause ainsi que
votre salaire, votre argent, et vos biens peuvent etre saisis par la suite, sans aucun preavis
ulterieur du tribunal. Ii y a d'autres obligations juridiques et vous pouvez requerir les services
immediats d'un avocat. Si vous ne connaissez pas d'avocat, vous pourriez telephoner a un
service de reference d'avocats ou a un bureau d'assistance juridique (figurant a l'annuaire de
telephones).
550056.1
2
•
M IN THE CIRCUIT COURT OF THE ELEVENTH JUDICIAt CIRCUIT IN AND FOR MIAMI-DADE COUNTY, FLORIDA.
• IN THE COUNTY COURT IN AND FOR MIAMI-DADE COUNTY, FLORIDA.
'
DIVISION CASE NUMBER
E3 CIVIL
• • • DISTRICTS
FAMILY
CIVIL COVER SHEET
//26 e/96.)
PLAINTIFF
OTHER
VS. DEFENDANT
(d
CLOCK IN
THE LAW OFFICES OF DAVID J. CHASE HOME FINANCE, LLC

STERN, P.A.
The civil cover sheet and the information contained here does not replace the filing and service of pleadings or other papers
as required by law. This form is required by the Clerk of Court for the purpose of reporting judicial workload data pursuant to
Florida Statute 25.075. See instructions and definitions on reverse of this form.
TYPE OF CASE (If the case fits more than one type of case, select the most definitive category.) If the most descriptive
label is a subcategory (is indented under a broader category), place an x in both the main category and subcategory boxes.
• 001 - Eminent Domain • 119- Other Real Property Actions $250,000 or
more
•
12 003 - Contracts and Indebtedness
0,10 - Auto Negligence III Professional Malpractice
•• 094 - Malpractice - Business
022 - Products Liability
••
111
023 - Condominium 095 - Malpractice - Medical

Negligence - Other
•097 - Business Governance • ••
Other
096 - Malpractice - Other professional
•• 098 - Business Torts

• • 120 - Antitrust/Trade Regulation
121 - Business Transactions
• •
099 - Environmental/Toxin Tort
100- Third Party Indemnification 122- Constitutional Challenge - Statute or
Ordinance
• • 101 - Construction Defect
102- Mass Tort • 123- Constitutional Challenge - Proposed
amendment
• 103- Negligent Security

104 - Nursing Home Negligence
• • 124 - Corporate Trust
125 - Discrimination - Employment or Other
III 105 - Premises Liability - Commercial
••
106 - Premises Liability - Residential
107- Negligence - Other
• 1111 126- Insurance Claims
127 - Intellectual Property
• • III 128- Libel/Slander

•
Real Property/Mortgage Foreclosure
108 - Commercial Foreclosure $0- $50,000
129- Shareholder Derivative Action
IIII 130- Securities Litigation
111 109 - Commercial Foreclosure $50,001 -$249,999
• •
110 - Commercial Foreclosure $250,000- or more
• 131 - Trade Secrets
IN 132- Trust Litigation
•
111 - Homestead Residential Foreclosure $0 - $50,000
112 - Homestead Residential Foreclosure
• 133 - Other Civil Complaint
Ell 009 - Bond Estreature
• - $50,001 - $249,999
.113 Homestead Residential Foreclosure $250,000 or
more
•• 014- Replevin
• 114- Non-Homestead Residential Foreclosure

$0 -$50,000
•• 024 - Witness Protection
080- Declaratory Judgment
• 115- Non-Homestead Residential Foreclosure

$50,001 -$249,999
•• 081 - Injunctive Relief
082 - Equitable Relief
• 116 - Non-Homestead Residential Foreclosure

$250,000 or more • • 083 - Construction Lien
084 - Petition for Adversary Preliminary Hearing
• 117 - Other Real Property Actions $0 -$50,000
• • 085 - Civil Forfeiture
086 - Voluntary Binding Arbitration
• 118 - Other Real Property Actions $50,001 -
$249,999
087- Personal Injury Protection (PIP)
ev. Clerk's web address: www.miami-dadeclerk.com

COMPLEX BUSINESS COURT
This action is appropriate for assignment to Complex Business Court as delineated and mandated by the
Administrative Order. Yes 0 No
REMEDIES SOUGHT (check all that apply):

monetary;
o non-monetary declaratory or injunctive relief;
O punitive
NUMBER OF CAUSES OF ACTION: [ 3]

(specify) Breach of contract, open account, accounts stated
IS THIS CASE A CLASS ACTION LAWSUIT?

O Yes
No
HAS NOTICE OF ANY KNOWN RELATED CASE BEEN FILED?

No
O Yes If "Yes", list all related cases by name, case number, and court.
IS JURY TRIAL DEMANDED IN COMPLAINT?

O Yes
No
I CERTIFY that the information I have provided in this cover sheet is accurate to the best of my knowledge and belief.
Signature Florida Bar # 770817

ney .r pa (Bar # if attorney)
Matias R. Dorta /41—

(type or print name) Date
CLK/CT 96 Rev. 12/09 Clerk's web address: www.miami-dadeclerk.com

IN THE CIRCUIT COURT OF THE 11th

CIRCUIT, IN AND FOR MIAMI-DADE
COUNTY, FLORIDA
THE LAW OFFICES OF DAVID J. STERN, P.A.
V.
Plaintiff,
CASE NO.:
//- gel ei-e)
CHASE HOME FINANCE, LLC
Defendant
THE ORIGINAL FILED
ON MAR 1 4 2011
COMPLAINT IN OFFICE R
The Law Offices of David J. Stern, P.A. sues Chase Home Finance, LLC and alleges:
JURISDICTION AND VENUE
1. This is an action of excess of $15,000, exclusive of attorney's fees, costs and
interest and within the jurisdiction of this court.
2. Plaintiff, The Law Offices of David J. Stern, PA. ("DJSPA"), is a Florida
corporation with its principal place of business in Plantation, Florida.
3. Defendant, Chase Home Finance, LLC, ("Chase"), is a foreign limited liability
company with its principal place of business in New Jersey that is authorized to do business in
Florida.
" 4. Chase is subject to jurisdiction in this forum because it operates, conducts,
engages and carries on business in the State of Florida; it breached a contract in this State by
failing to perform acts required by the contract to be performed in this State; it has offices and
agencies in this State, it owns, possesses and holds mortgages and other liens on real property in
this State, and it is engaged in substantial and not isolated activity within the State.
TEW CARDENAS LLP

Four Seasons Tower, 15th Floor, 1441 Brickell Avenue, Miami, Florida 33131-3407 • 305-536-1112
• Case 1:11-cv-21039-PCH Document 1-2 Entered on FLSD Docket 03/25/2011 Page 8 of 118
5. Venue is proper in Miami-Dade County because Defendant has an office in
Miami-Dade County for the transaction of its customary business.
6. All conditions precedent to filing this action have been performed or have
occurred.
COUNT I
BREACH OF CONTRACT
7. DJSPA realleges paragraphs 1 through 6 as if fully set forth herein.
8. In early 2006, Chase and DJSPA entered into a contract for DJSPA to provide
legal services to Chase. A copy of the contract is attached hereto as Exhibit A.
9. Chase breached the contract by failing to pay DJSPA for the legal services it
provided to Chase.
10. DJSPA was damaged by Chase's breach of contract.
WHEREFORE, DJSPA demands judgment for damages against Chase, plus interest and
costs.
COUNT II
OPEN ACCOUNT
12. Chase owes DJSPA $398,979.95 that is due with interest since February 24, 2011,
according to the account, attached as Exhibit B.
WHEREFORE, DJSPA demands judgment for damages against Chase, plus interest and
costs.
COUNT III
ACCOUNT STATED
Page 2 of 3
TEW CARDENAS LLP
Four Seasons Tower, 15th Floor, 1441 Brickell Avenue, Miami, Florida 3313 1-3407 •
• Case 1:11-cv-21039-PCH Document 1-2 Entered on FLSD Docket 03/25/2011 Page 9 of 118
14. Before the institution of this action, DJSPA and Chase had business transactions
between them and on February 25, 2011 agreed to the resulting balance.
15. DJSPA rendered a statement to Chase, a copy being attached hereto as Exhibit C,
and Chase did not object to the statement.
16. Chase owes DJSPA $398,979.95 with interest since February 24, 2011 on the
account.
WHEREFORE, DJSPA demands judgment for damages agai n o Chase, plus interest and
costs.
DATED: March 14, 2011
Respectfully submitted,
TEW CARDENAS LLP

Counsel for The Law Offices of David J.
Stern, P.A.
The Four Seasons Tower
1441 Brickell Avenue, 15 th Floor
Miami, Florida 33131-3407
Telephone: 305.536.1112
Facsimile: 305.536.1116
JEFFRE A. W
Florida Bar No. 121291
MATIAS R. DORTA
Florida Bar No. 770817
551816.1
Page 3 of 3
TEW CARDENAS LLP
Four Seasons Tower, 15th Floor, 1441 Brickell Avenue, Miami, Florida 33131-3407 •
Case 1:11-cv-21039-PCH Document 1-2 Entered on FLSD Docket 03/25/2011 Page 10 of
118
EXHIBIT A
Case 1:11-cv-21039-PCH Document 1-2 Entered on FLSD Docket 03/25/2011
PagePage
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Schedule #1
TO CHASE HOME FINANCE LLC
ATTORNEY/TRUSTEE AGREEMENT
Chase Agreement No. ?Th
This Schedule #1 (hereinafter called the "Schedule"), effective February 8, 2006, is a supplement to the
Attorney/Trustee Agreement (hereinafter called the "Agreement") entered into by and between David J.
Stern, P.A. and Chase Home Finance LLC dated February 8, 2006, and incorporates, by reference, all
terms and conditions therein contained.
This Schedule is subject to the conditions enumerated below. In the event of a conflict between the terms
of this Schedule and the terms of the Agreement, the terms of this Schedule shall prevail. The Exhibit(g)
to this Schedule, if any, shall be deemed to be a part hereof. In the event of any inconsistencies between
the terms of the body of this Schedule and the terms of the Exhibit(s) hereto, the terms of the body of-this
Schedule shall prevail. Capitalized terms not otherwise defined in this Schedule shall have the meaning
set forth in the Agreement.
Site Of Performance
Services related to this Schedule shall be for Columbus, Ohio.
Scope Of Work
ARTICLE I - GENERAL
1. Monthly status reports must be provided to our office. These reports should include our loan number,
loan type, borrower name, property address, file status and comment section. The monthly status
reports must be provided in accordance with the Contact List CHF provides you from time to time.
Your firm agrees to commit the necessary resources to technology advancement, as it becomes
available to transmit the status reports to CHF electronically to avoid paper copy in the future.
Additionally your firm agrees to maintain online via the designated technology all actions taken on
the case and its corresponding result.
2. We have engaged First Americanleal Estate Solutions (First American) to review CBI" s loan file to
ensure all conditions precedent to a foreclosure have been met and compile the foreclosure or
bankruptcy package from the loan file and forward it to you (except for accounts referred from
Cleveland). You agree to bear all costs associated with the services provided by First American and
not to charge any borrower for such costs.
ARTICLE II- REIMBURSEMENT FOR SERVICES RENDERED
1. FEES
All fees will be within applicable Agency/Insurer Requirements according to the type of file you are
handling, irrespective of whether state law permits a greater fee. If attorneys have permission from
the investors to change more than the allowable amounts, a copy of the investor approval should be
submitted with the attorney invoice. If additional fees are necessary as the result of required, non-
routine work, you must provide a written request for additional fees with an appropriate detailed
Case 1:11-cv-21039-PCH Document 1-2 Entered on FLSD Docket 03/25/2011Page
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description of the work required and the estimated amount of time required to complete the work (the
Budget). Management must approve the Budget in writing in advance of the work being performed.
You are not permitted to bill a borrower separately for any other amount that is not approved in
advance by CHF, but in no event will you charge an amount (i) that is not authorized by the
borrower's loan documents or (ii) that violates relevant law. The per hour charge, which may only
be charged for litigated issues or upon CHF requested special projects, will be in accordance with the
attached Exhibit B. Any charges in excess of the allowed rate or hourly billings must be approved by
CHF in writing prior to billing. Bills in excess of the allowed rate or hourly billings not previously
approved by CHF will not be paid. Document retrieval fees will be reimbursed when it is necessary
to obtain documents from third parties (e.g., county or district clerks, county recorders, etc.) in order
to proceed with and/or complete the foreclosure and bankruptcy process timely. Costs for phone calls,
postage, copying, courier and faxing will not be paid in addition to the allowable or hourly rate unless
approved by CHF in writing prior to billing and payment.
2. BILLINGS
A. A separate bill for all bankruptcy, replevin, and foreclosure matters for each loan number is to be
prepared and remitted to CHF on the standardized billing format, a copy of which is attached hereto,
as Exhibit A. All bills are to be sent separate from other correspondence or attachments not
specifically and solely relating to the bill for Services. Each bill must include a detail of the services
rendered along with any outstanding amounts. Your firm understands that failure to comply with the
required format will result in nonpayment of, or delay in payment of, your bill.
All invoices must be remitted in accordance with the following:

(i) For matters referred by Columbus, Ohio:
Chase Home Finance LLC

ATTN: Compliance Invoice Processing
P.O. Box 342980
Columbus, Ohio 43234-2980
Fax: 614-422-7860
B. In the event that the firm has a properly submitted invoice which has not been satisfied by
CHF within 60 days, the firm will send a copy of said invoice which has been stamped or labeled
as a "copy" as follows:

(i) For matters referred by Columbus,

Attn: Supervisor, Compliance Invoice Processing
3415 Vision Drive
Columbus, Ohio 43219
With a cover letter explaining the enclosure(s).
C. Monitoring fees will not be paid since all foreclosures and CHF personnel monitor
bankruptcies. Notwithstanding, you must ensure that a bankruptcy has not been filed prior to
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filing a foreclosure action.
D. All charges in a bill must be in compliance with HUD Mortgagee Letter 2001-19 if
applicable. Expenses for telephone calls, express or certified mail, postage and copying, will not
be reimbursed except for charges incurred to perfect service or notify borrowers in compliance
with Applicable Law. If those charges are required under Applicable Law, please indicate so on
your invoices.
ARTICLE III - FORECLOSURES
1. COMMENCING PROCEEDINGS
A. Adherence to all instructions contained in our transmittal letter is required. Copies of all
pleadings must be sent to CHF and any other parties we may specify in our transmittal upon
request by Off.
B. You must offer the borrower the option of pursuing alternatives to foreclosure through Chase's
Homeowner's Assistance Department. If a borrower requests a work out, the file should be
referred back to the foreclosure technician with recommendations that the file be referred to
CHF's Homeowner's Assistance Department.
C. Upon receipt of a file from our office, you are obligated to review the file and notify CHF
immediately if you believe commencing a foreclosure is problematic. For instance, if you believe
CHF may have committed a servicing error, which resulted in the borrower's default, you should
notify ClIF immediately as described in this Agreement. If commencing a foreclosure does not
appear problematic, please send notification in accordance with Applicable Law to the debtor
advising that you are representing us and foreclosure proceedings are being initiated.
D. All foreclosures must be initiated within 30 days of receipt of the files for matters referred by
Columbus, (i) unless Applicable Law prohibits you from doing so, in which case you agree to
provide substantiating documentation to CHF or (ii) CHF advises you to delay foreclosure as a
result of your notification of a problem in doing so.
E. You agree to provide a prompt response in providing property sales results and to provide
verifications of recording information within one business day and then follow up in writing via
fax to the attention of the appropriate CHF employee.
F. Adherence to Applicable Law and applicable Agency/Insurer Requirements is mandatory in

performing Services hereunder and you agree to comply with all Applicable Law and applicable
Agency/Insurer Requirements. Any exceptions must be approved by CI-IF in writing. In the
event that an extension of time is warranted in a particular matter, you agree to assist us in
submitting justification to an Agency/Insurer or procuring written Agency/Insurer
acknowledgment and acceptance of your request.
G. You agree to contact our office immediately if you are advised that a property is vacant, damaged
or environmentally contaminated or if there is any other material matter with regard to the
property or the borrower. This information should also be reflected on your monthly status
report. CHF will process all insurance claims.
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H. On all FHA loans:
(i) For all matters referred by Columbus, your office must send the HUD occupancy letters
as required by HUD, except in states where the 70 to 90 day time frame falls before the
referral of foreclosure.
(ii) For all Columbus matters, evictions should begin immediately upon completion of the
Foreclosure sale on properties occupied at the time of sale. The eviction should begin
without waiting for instruction after sale from CIT.
2. FORECLOSURE REINSTATEMENTS/PAYOFFS
A. For all Bankruptcy Serviced in Columbus, we will direct all inquiries for reinstatements and
payoff fi gures to your office. You agree that prior to accepting payoff funds on behalf of CI-1F,
you will contact CHF immediately with regards to matters referred by Columbus or to the line
staff member handling the case. For matters referred by Columbus, all payoff funds on FHA
loans must be received by the Columbus office the last day of the month or an additional month's
payment is due from the borrower. All payments received must be sent overnight mail to our
office within one business day of receipt to ensure prompt application within our office. All
inquiries for reinstatements and payoff figures will be directed to your office. You agree that,
prior to accepting payoff funds on behalf of CHIP, you will contact CHF immediately (via the
Voice Response Unit) with regard to matters referred by Columbus or direct line to the staff
member handling the case to get updated information. For matters referred by Columbus, all
payoff funds on FHA loans must be received in our office by the last day of the month or an
additional month's payment is due from the borrower. All payments received must be overnight
mailed to our office within one business day of receipt to ensure prompt application within our
office. You may not charge a reinstatement fee on any foreclosure or bankruptcy actions. To the
extent you receive a short payment, for either reinstatement or payoff, you should notify CHF
immediately to determine whether CIE is willing to accept such short payment.
B. Except as provided in B and C below, if you are requesting payoff or reinstatement figures, please
e-mail your request to CHFfclpayreinQipmchase.com . Turnaround time for these requests is
generally less than three business days. If you have a rush request, please send an e-mail marked
urgent rush request to the aforementioned address.
C. For all Bankruptcies serviced Columbus, please call 800-332-3412 for payoff quotes.
Turnaround time for these requests will be within three business days. If you have a rush request,
fax to (614) 422-5200 Attention: Bankruptcy Payoff/Reinstatement Department. Please include
the Chase Loan number. Please do not fax your request unless it is truly a rush request.
3. FORECLOSURE SALES
For matters referred by Columbus, once a sale date has been scheduled for an FHA or VA loan, a
Warranty Deed(s) to (i) the appropriate investor or mortgagee and HUD or VA or (ii) directly to HUD or
VA, depending upon local requirements, must be prepared in accordance with Applicable Law and
Agency/Insurer Requirements, and mailed immediately to our office.
Within the first five business days of each month, you must provide a "Cancelled Sale Report" which will
reflect the sales that were cancelled during the prior month. This report must include the
following information:
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Loan Number
Mortgagor Name
Property Address
Investor (if applicable)
Date Cancelled or Postponed and By Whom
Reason (if known)
"Cancelled Sale Reports" must be sent as follows:
For matters referred by Columbus, Foreclosure Manager, 3415 Vision Drive, Columbus, Ohio
43219.
Sale results must be sent via electronic mail to the proper foreclosure analyst on the date the sale occurs
so CIIF can properly notify investors, as necessary. Repeated non-compliance will result in CHF's
passing any investor/Agency fines on to your office.
CHF''s prior approval must be obtained before postponing a foreclosure sale. An immediate telephone
call to our office is necessary if you believe a sale should be postponed. To the extent a borrower
gives you a reasonable basis to believe that a loan has improperly been referred for foreclosure
due to a servicing defect, you should contact CHF immediately.
1. It is your responsibility to escalate matters to the appropriate senior levels within CHT
management or to the Legal Department.
2. All telephone calls need to be returned promptly whether they are from CHF personnel or the
borrower.
3. You must immediately communicate any reinstatement attempts by the borrower and be very
responsive to the borrower.
4. Bankruptcy and foreclosure bills should be billed in amounts and in accordance with
Agency/Insurer Requirements and may only quote reinstatement and other reasonable
expenses in accordance with Agency/Insurer Requirements.
5. You must ensure that the first legal action is filed within Agency/Insurer Requirements, or
within such time frames specified in Section III (1)(D), whichever is earlier. If there is no
applicable Agency/Insurer Requirement for a particular File, you will comply with FNMA
requirements. However, please note that CHF views outside counsel as the last resort and
check on a file prior to foreclosure. Every file should be reviewed with an eye toward
possible litigation against CHF and legitimate claims of wrongful foreclosure.
6. You may not charge a reinstatement fee on any foreclosure or bankruptcy actions.
7. You must provide a direct dial or extension number to CHF so that it may quickly reach you.
8. All correspondence must include CHF loan number, borrower name and property address.
9. If you have not received bidding instructions within three days before the scheduled sale,
please contact the relevant CHF personnel listed in the Contact List, provided from time to
time.
Case
Chase1:11-cv-21039-PCH Document 1-2
Manhattan Mortgage Corition Entered on FLSD Docket 03/25/2011
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4. ESCALATION PROCEDURES
CHF is committed to providing a high level of service to expedite foreclosure matters. If you do not
receive requested information or documentation within the timeframes specified in this Agreement, or in
order to meet applicable deadlines, you are required to escalate the matter to the applicable department
supervisor and then to the applicable department manager. You will be held accountable for performance if
you fail to escalate matters to the appropriate CHF management.
5. THE FOLLOWING INFORMATION RELATES TO FHA LOANS:
A. All FHA foreclosures must be completed within the timeframes as required by the FHA
in accordance with all Applicable Law and Agency/Insurer Requirements. You agree to
submit documentation for exceeding these timeframes and to be liable for any
controllable delays. A chronology letter is required on all foreclosure cases referred to
your office. This is to include any foreclosure, bankruptcy, and eviction proceedings.
B. A title policy in the name of the Secretary of Housing and Urban Development is
required for all FHA loans within 30 days after the Deed to HUD is recorded. This should be sent
immediately to HUD with a copy to CMAX at the CMAX Address, and included with the title
package sent subsequent to conveyance.
C. All FHA foreclosures must have property taxes paid prior to deed recordation. If you are
aware that taxes are due, kindly notify our office to allow for CHF's payment of said
taxes.
6. THE FOLLOWING INFORMATION RELATES TO VA LOANS:
A. You agree to order the VA appraisal on behalf of CHF at least 60 days, but no later than 90 days,
(or at the earliest possible time before sale if the sale date is less than 60 days from the date of
referral) before the sale date. VA appraisal bills should be sent directly to Compliance Invoice
Processing at CHF. This information should be reflected on your monthly status report.
VA Servicer Number for CHF, Ohio 255511
B. The Title Policy must be issued in the name of the Secretary of Veterans Affairs for all VA
conveyances within 30 days after the foreclosure sale and should be sent to the VA immediately
with a copy to CMAX at the CMAX Address.
7. CONVENTIONAL
All foreclosures must be completed within the allowable timeframes and other Agency/Insurer
Requirements and in accordance with all Applicable Law. You will be asked to submit documentation for
exceeding the timeframes and will be held liable for controllable delays, except as otherwise stated herein.
All private investor foreclosures will be completed in accordance with all Applicable Law and unless
otherwise instructed by CHF, will be processed in accordance with the Agency Requirements of FNMA.
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8. POST-SALE
A. If FHA property is known to be occupied based on the occupancy status noted on the bidding
instructions at the time of the foreclosure sale and CHF is the successful bidder at the sale, eviction
proceedings are to begin immediately after the sale or upon expiration of the applicable redemption
period. No eviction shall be started until written instructions are received from CBE Prior approval
must be obtained before postponing an eviction action.
B. You agree to deliver good marketable title, in accordance with applicable Agency/Insurer
Requirements, under the law of the state in which the foreclosure was completed. Title searches
should be completed to insure all property taxes and liens are paid prior to conveyance.
C. For matters referred by Columbus, your firm must submit title evidence and all other title approval
letters (27011A), directly to FHA or VA, with a copy to CMAX, attention Chase Home Finance
LLC Processor, at 12395 First American Way; Poway, CA 92064 ("CMAX Address"), or any CHF
designated personnel. You will be responsible for any penalties incurred by CHF as a result of
these documents not being forwarded to the appropriate Agency within the time required by
Agency/Insurer Requirements, unless the applicable request for extension has been submitted
within the proper timeframe.
D. Any outstanding property taxes and/or liens, up to a maximum of $1,000, that hinder the timely
conveyance of a property within the Agency/Insurer Requirements should be advanced by you
according to the Agency/Insurer guidelines (FHA 2002-19). Reimbursement for these advances
must be forwarded to the CHF Invoice Processing Department, accompanied by a complete
breakdown of the taxes or liens paid, a copy of the invoice and the check used to pay these taxes or
liens. Taxes or lien invoices greater than $1,000 should be forwarded to the appropriate post-
Foreclosure analyst for immediate payment directly through CHF's Invoice Processing
Departments.
E. For matters referred by Columbus, you agree to file the appropriate extensions in accordance with
applicable Agency/Insurer Requirements. You will incur penalties to CHF as a result of the non-
filing of these documents.
F. You agree that all CBF documents relating to the foreclosure process, including invoices, should be
made readily available, without charge to CBI', throughout the post-foreclosure process and as
needed subsequent thereto. In accordance with applicable state and federal law, clear and legible
imaged documents will be accepted.
G. For matters referred by Columbus, your firm must present its final invoice within 10 days of the
title package submission and prior to the time CHF makes its referral of the final Agency/Insurer
claim for reimbursement of these expenses. Failure to present your invoice prior to this time could
require CHF to incur costs for filing a supplemental claim, or could result in the Agency/Insurer
failing to reimburse Chase Home Finance LLC. You will be responsible for all such costs and
reimbursements.
H. You agree to record deeds on third party sales unless it violates the foreclosure procedures in your
jurisdiction.
I. For Rent Control matters, you are to request occupied conveyance from the Investor/Insurer, and
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you may NOT charge a fee for collecting rent on behalf of CHF.
9. LITIGATION
A. If an Answer contesting foreclosure is filed and/or discovery is sought, please notify us in writing
with the proposed billing structure attached as follows:
For matters referred by Columbus: Default Resolution Manager, Phone: 614-422-3749, Fax: 614-
422-2043.
B. If a Counterclaim, Adversary Action, or other filing for which a significant legal issue is raised
(e.g., TILA, Fair Lending, RESPA, etc.) please fax a copy immediately as follows:
Chief Litigation Counsel, Phone: 732-205-8882, Fax: 732-205-8838.
Please note that if new litigation is filed against CHF, you are not permitted to accept service on behalf of
CHF. However, if you are provided a courtesy copy of such litigation, you must immediately notify CHF
litigation counsel.
10. DEFICIENCY JUDGMENTS
CHF, our investor or insurer will make decisions regarding seeking deficiency judgments.
ARTICLE V — REPLEVINS
1. Adherence to all instructions contained in our transmittal letter is required. Copies of all
pleadings must be sent to CHF and any other parties we may specify in our transmittal.
2. Upon receipt of a file from our office, you are obligated to review the file and notify CHF
immediately if you believe commencing a replevin is problematic. For instance, if you believe
notify CHF immediately as described in this Agreement. If commencing a replevin does not appear
problematic, please send notification in accordance with Applicable Law to the debtor advising that
you are representing us and replevin proceedings are being initiated.
3. You are required to verify the tax status on each referred account including obtaining information
on delinquent amounts owed and advise CHF of such status.
4. All replevins must be initiated within three (3) days of receipt of the files (i) unless Applicable Law
prohibits you from doing so, in which case you agree to provide substantiating documentation to
CHF or (ii) CIE advises you to delay replevin as a result of your notification of a problem in doing
so as described in paragraph number 2 above.
5. You are reqUired to notify CHF immediately in writing upon receipt of the Writ.
6. All writs are to be obtained within 90 days of receipt of the file. If the Writ will not be obtained
within 90 days of receipt of the file, you are to advise CHF immediately and in writing of the
reason for the delay and remedy for the delay.
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7. Adherence to Applicable Law and applicable Agency/Insurer Requirements is mandatory in

Agency/Insurer Requirements. Any exceptions must be approved by CHF. In the event that an
extension is warranted, you agree to assist us in submitting justification to an Agency/Insurer or
procuring written Agency/Insurer acknowledgment and acceptance of your request.
8. You agree to contact our office immediately if you are advised that a home is vacant, damaged, or
environmentally contaminated or if there is any other material matter with regard to the home or the
borrower. This information should also be reflected in your monthly status report.
9. It is your responsibility to elevate matters to the appropriate senior levels within CHF management
or to the Legal Department.
10. All telephone calls must be returned promptly whether they are from CHF personnel or the
borrower.
12. All correspondence must include CHF's loan number, borrower name and address.
ARTICLE IV - BANKRUPTCIES
1. GENERAL
A. You must notify CHF via electronic means the day you receive notice of the commencement of
bankruptcy by a CHF borrower so as to enable CHF to comply with the automatic stay.
Instructions must be obtained from CHF's Banlatiptcy Department before your firm's
representation of CHF in a bankruptcy if it interrupts a foreclosure, unless your firm is already
handling such foreclosure. For all Bankruptcies serviced in the Columbus servicing facility, please
call 1-800-332-3412. Turnaround time for these requests will be within three business days. If you
have a rush request, fax to (614) 422-5435 Attention: Bankruptcy Payoff/Reinstatement
Department. Please include the Chase Loan number. Please do not fax your request unless it is
truly a rush request.
B. CHF's approval must be obtained before proceeding with bankruptcy Services including, but not
limited to, stipulations, amended claims and plan objections. You must contact CHIP immediately,
and escalate the issues as necessary in order to assure CHF's interests are protected or in order to
obtain such approval.
C. Adherence to all instructions contained in our transmittal letters is required.
D. Copies of all completed Services (e.g., entered orders, stamped proof of claims, copies of plans,
proofs of claim, motions for relief, 341 hearing data sheets, etc.), must be sent to our office. For
matters referred by Columbus, in the case of the 341 data information sheet, this information needs
to be (sent via electronic means) immediately after the meeting to the Bankruptcy Department. In
the case of a proof of claim or a motion for relief, this information must be received within two
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weeks from our request for these Services.
E. You must advise us in cases where you have identified that the debtor has filed bankruptcy
previously. In these cases we will discuss what our best options will be on a case-by-case basis so
as to assist in preventing bankruptcy abuse. You must also advise us whenever you have reason to
believe that a debtor has justifiably filed bankruptcy to delay a foreclosure that was imprudently
commenced by CHF in any way related to a servicing defect.
1. You must notify the Bankruptcy technician managing the account of any hearings scheduled
related to the account. You must also bring to the Bankruptcy specialist's attention any
disputed items or objections (i.e., payment disputes, objection to proof of claim, etc.). If
specialist has not provided needed information or documentation within ten (10) days, you
must immediately notify the Bankruptcy specialist's supervisor or manager to insure proper
attention is given to the matter. It is your responsibility to escalate matters as necessary to the
appropriate senior levels within CHF management or to the Legal Department. If the matter is
not brought to the proper attention, any losses will be billed to your firm and could result in
suspension of future referrals.
2. You must verify the Bankruptcy Proof of Claim figures provided and ensure compliance with
Applicable Laws.
3. You must adequately protect CHF in all agreed orders or stipulations.
4. On loans for which you are handling for the foreclosure and bankruptcy, we require you to
resume the foreclosure action immediately after relief from stay is granted or the bankruptcy
has been dismissed or discharged, unless the state has adopted a statutory holding period before
the foreclosure process can resume. If the loan needs to be re-breached (due to acceptance of
payments in the bankruptcy) you should notify the assigned Foreclosure Specialist.
5. Any debtor payments received by your firm should be immediately mailed to: Chase Home
Finance LLC, Attn: G-7 - PP, Bankruptcy Payment Processing, P. 0. Box 342010, Columbus,
OH 43234-2010.
F. For matters referred by Columbus, if the loan is an active bankruptcy, please contact the
Bankruptcy Phone Center Unit to obtain Payoff and Reinstatement quotes, at 1-888-332-3412. The
Bankruptcy Payoff and Reinstatement fax number is 614-422-5435 Attn: Bankruptcy
Payoff/Reinstatement Analyst.
2. CHAPTER 13 BANKRUPTCIES
A. We do not require you to monitor post petition payments, but we will accept reports from your firm
if available. However, we do not expect to be charged monitoring fees. We will advise your firm
if filing for relief is necessary.
B. All legal fees incurred prior to bankruptcy filing must be included in the Proof of Claim.
C. Additional interest paid by the Chapter 13 trustee on our arrearage must be included as part of
CHF's claim at the contract rate, the allowable rate in your state or such other rate approved by the
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court.
D. For matters referred by Columbus, attendance at the 341 creditors meeting is required for all
bankruptcy matters handled by your firm if necessary to protect CHF's interest. The 341-fact sheet
must be filled out and (sent via electronic mail) to us immediately after the meeting so as to
determine the feasibility of one of our workout alternatives. All schedules must be obtained for our
review along with a copy of the plan for each case. The schedules should be reviewed prior to
sending them to Chase with an opinion on whether we should object to the plan. If a workout
alternative may be possible, we may seek your assistance in the handling of the matter.
E. Inform Off immediately upon learning of a cramdown proceeding.
3. CHAPTER 7 AND 11 BANKRUPTCIES
A. For matters referred by Columbus, attendance at the 341 creditors meeting is REQUIRED if
necessary to protect CHF's interests, and completed 341 fact sheets for all bankruptcy matters
handled by your firm is also required. The 341-fact sheet must be filled out and faxed to us
immediately after the meeting so as to determine the feasibility of one of our workout alternatives.
All schedules must be obtained for our review along with a copy of the plan for each case. If a
workout alternative may be possible, we may seek your assistance in the handling of the matter.
B. In Chapter 7 asset cases we will require that a Proof of Claim be timely filed by
your firm on our behalf. All Chapter 11 cases will also require a Proof of Claim to
be timely filed.
C. If a Proof of Claim referral is sent, it should be filed on Chase's behalf regardless

of Chapter type. Proof of Claim must be filed within 30 days of request.
4. MOTIONS FOR RELIEF
A. For matters referred by Columbus, all motions for relief must be filed within five business days
from the date the motion is requested. Filed copies are to be returned to us within five days of
B. Under no circumstances should CHF's motion for relief be withdrawn after we have been charged
for it without written authorization from CHF.
C. For consideration of a repayment agreement with a debtor, we will not entertain an agreement that
will exceed six months unless there are extenuating circumstances. CHF requires you, and you
agree, to seek enforceable orders. Stipulated agreements should not be negotiated or approved
without CHF's prior consent.
5. TERMINATION OF AUTOMATIC STAY
A. All orders terminating the bankruptcy (i.e., orders for relief, dismissals, etc.) must be sent via
electronic mail to our office the day they are received by your firm.
B. The day relief is granted or you are notified of a dismissal, discharge, etc., CHF' s Bankruptcy
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Department must be notified via Electronic mail. If your firm was handling the prior foreclosure
action, then your firm should restart the foreclosure proceedings immediately following the relief of
stay, dismissal or discharge, provided the mortgagor has not brought the loan contractually current.
CHF is to be notified via e-mail or fax within 24 hours of the foreclosure being reinstated.
6. OBJECTION TO CONFIRMATION
Attorneys in states that fall under the jurisdiction of the 9th circuit (Alaska, Arizona, California, Guam,
Hawaii, Idaho, Montana, Nevada, Oregon and Washington) will object to confirmation of any Chapter 13
plan that does not contain language that negates the effect of the Peters decision. To the extent decisions
similar to the Peters decision are reached in other circuits, then you must likewise object to confirmation of
any Chapter 13 plan that does not contain language that negates the effect of such decision. Failure to
object will result in your firm's being required to reimburse GEE for any damages, costs and expenses that
CHF suffers resulting therefrom.
You must immediately inform CHF of any Chapter 13 plan that does not adequately protect CHF's
interests, and object to such plan.
7. BILLING
Upon completion of each service rendered in connection with the bankruptcy (i.e., proof of claim has been
filed, motion for relief has been prepared, etc.), a bill must be submitted with supporting documentation
under separate cover to CHF as follows:
For matters referred by Columbus: Chase Home Finance LLC, ATTN: Default Invoice Processing, 3415
Vision Drive, Columbus, OH 43219.
ARTICLE VI- ALTERNATIVES TO FORECLOSURE
A loan is classified as an Alternative to Foreclosure if one of the following occurs:
1. A deed-in-lieu of foreclosure is approved by CHF
2. A loan modification is approved by CHF
3. Another workout arrangement is approved by CHF
1. DEED-IN-LIEU
A. All deeds-in-lieu of foreclosure require prior CHF authorization for acceptance and should not be
processed unless a good title in accordance with all applicable Agency/Insurer Requirements and
Applicable Law is obtained. Preliminary title review results are to be communicated to CHF, via
electronic means within 14 days of referral to your office.
B. When you determine that a title is clear in accordance with Applicable Law and Agency/Insurer
Requirements, all deed-in-lieu documents should be sent to the appropriate parties for execution
within three business days of the title examination. It is your responsibility to follow-up with the
borrower and CHF for return of the executed documents.
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C. CHF must be notified of deed recordation on VA and Conventional loans by telephone

or electronic mail within one business day.
D. A Title Policy in accordance with Agency/Insurer Requirements must be issued and received by
CHF on all deeds-in-lieu within 30 days from deed recording on VA and Conventional loans and in
accordance with FHA requirements on FHA loans.
E. If CHF is in second lien position, you must obtain current payoff information and figures through
completion.
2. LOAN MODIFICATION
If we require a Loan Modification Agreement, our request letter will contain all applicable terms and
conditions to be included in the Agreement.
3. PARTIAL CLAIMS
Within one business day of receipt of the approved Partial Claim from CHF, you will e-mail a copy of the
cover letter to the Recorder's Office to CHF's Post Sale Department.
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Schedule #2
Chase Agreement No.
Stem, P.A. dated February 8, 2006, and incorporates, by reference, all terms and conditions therein
contained.
of this Schedule and the terms of the Agreement, the terms of this Schedule shall prevail. The Exhibit(s)
to this Schedule, if any, shall be deemed to be a part hereof. In the event of any inconsistencies between
the terms of the body of this Schedule and the terms of the Exhibit(s) hereto, the terms of the body of this
Schedule shall prevail. Capitalized terms not otherwise defined in this Schedule shall have the meaning
set forth in the Agreement.
Site Of Performance
Services related to this Schedule shall be for San Diego, California.
Scope Of Work
ARTICLE I - GENERAL
1. For matters referred by San Diego, the attached Wired Funds Transfer Security Agreement must be
completed and returned to us with the executed Agreement (Exhibit D). CHF will then conduct a
one-time call back process to the individual(s) designated in the agreement in order to verify the wire
instructions provided. As part of your representation of CHF, there are instances when we are
required to wire funds to you. Depending on the loan type, these instances often include bidding at a
superior mortgagee's foreclosure sale, paying delinquent property taxes, and paying off a superior
mortgagee.
2. We have engaged First American Real Estate Solutions (First American) to review CHF's loan file to
ensure all conditions precedent to a foreclosure have been met and compile the foreclosure or
bankruptcy package from the loan file and forward it to you (except for accounts referred from
Cleveland). You agree to bear all costs associated with the services provided by First American and
not to charge any borrower for such costs.
3. For matters referred by San Diego, you are required to use the Lenstar software system as the
standard method of communication between you and CHF. All events and commentaries must be
fully documented, as well as Title Reports, which will follow a standard format for input (Exhibit E),
and Bankruptcy Proof of Claim Parameters Report (Exhibit F). Your fees for the use of Lenstar may
not -be passed on to CHF, or the borrower. You are required to respond to requests from CHF for
actions or updates within one business day.
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ARTICLE II- REIRIBURSEIVIENT FOR SERVICES RENDERED
1. FEES
A. All fees will be within applicable Agency/Insurer Requirements according to the type of file you
are handling, irrespective of whether state law permits a greater fee. For subprime loans referred by
San Diego, the allowable fees are those designated by FNMA. If additional fees are necessary as the
result of required, non-routine work, you must provide a written request for additional fees with an
appropriate detailed description of the work required and the estimated amount of time required to
complete the work (the Budget). Management must approve the Budget in writing in advance of the
work being performed. You are not permitted to bill a borrower separately for any other amount that
is not approved in advance by CHF, but in no event will you charge an amount (i) that is not
authorized by the borrower's loan documents or (ii) that violates relevant law. •The per hour charge,
which may only be charged for litigated issues or upon CHF requested special projects, will be in
Carl.ol/1 dance with the attached Exhibit C. Any char ges in excess of the allowed rate or hourly billings
must be approved by CIE in writing prior to billing. Bills in excess of the allowed rate or hourly
billings not previously approved by CHF will not be paid. Document retrieval fees will be
reimbursed when it is necessary to obtain documents from third parties (e.g., county or district clerks,
county recorders, etc.) in order to proceed with and/or complete the foreclosure and bankruptcy
process timely. Costs for phone calls, postage, copying, courier and faxing will not be paid in addition
to the allowable or hourly rate unless approved by CHF in writing prior to billing and payment. If a
file is closed within two weeks of referral, you may bill only $250 plus your costs.
B. Foreclosure/Replevin - To be sent to our office on an interim basis during the foreclosure/replevin

process: (i) upon filing of the complaint; and (ii) immediately upon completion of sale or when the
foreclosure/replevin action is interrupted by a bankruptcy, unless indicated differently on attached
Schedules. For subprime matters referred by San Diego, one-half of the allowable fee may be billed
after the filing of the complaint, and the remaining half may be billed immediately upon completion
of the sale, or when the action is interrupted by bankruptcy or placed on hold by CHF.
2. BILLINGS
A. A separate bill for all bankruptcy, replevin, and foreclosure matters for each loan number is to be
prepared and remitted to CHF on the standardized billing format, a copy of which is attached hereto,
as Exhibit H. All bills are to be sent separate from other correspondence or attachments not
specifically and solely relating to the bill for Services. Each bill must include a detail of the services
rendered along with any outstanding amounts. Your firm understands that failure to comply with the
required format will result in nonpayment of, or delay in payment of, your bill.
All invoices must be remitted in accordance with the following:
For subprime matters referred by San Diego:

ATTN: Default Accounts Payable
P.O. Box 501830
San Diego, California 92150-9011
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B. In the event that the firm has a properly submitted invoice which has not been satisfied by CHF
within 60 days, the firm will send a copy of said invoice which has been stamped or labeled as a
"copy" as follows:
For matters referred by San Diego,

ATTN: Accounts Payable Supervisor
P.O. Box 501830
San Diego, California 92150-9011
C. For matters referred by Columbus, and San Diego monitoring fees will not be paid since all
foreclosures and CHF personnel monitor bankruptcies. Notwithstanding, you must ensure that a
bankruptcy has not been filed prior to filing a foreclosure action.
D. All charges in a bill must be in compliance with HUD Mortgagee Letter 91-14 if applicable.
Expenses for telephone calls, express or certified mail, postage and copying, will not be
reimbursed except for charges incurred to perfect service or notify borrowers in compliance with
Applicable Law. If those charges are required under Applicable Law, please indicate so on your
invoices. For matters referred by San Diego, the following will not be reimbursed:
Mileage/Parking, Referral Fees, Deed Preparation Fees, and Fees for Conversations with CHF
Employees.
ARTICLE Di - FORECLOSURES
1. COMMENCING PROCEEDINGS
pleadings must be sent to CHF and any other parties we may specify in our transmittal upon
request by CHF.
B. Upon receipt of a file from our office, you are obligated to review the file and notify CIE
immediately if you believe commencing a foreclosure is problematic. For instance, if you believe
notify GIP immediately as described in this Agreement. If commencing a foreclosure does not
appear problematic, please send notification in accordance with Applicable Law to the debtor
advising that you are representing us and foreclosure proceedings are being initiated.
C. For subprime matters referred by San Diego, you are to assume the required breach/acceleration
letters have been sent by CHF and have expired prior to referral. If you believe re-breach is
appropriate, you must obtain approval from CHF San Diego prior to taking action.
D. All foreclosures must be initiated within 30 days of receipt of the files for matters referred by San
Diego, (i) unless Applicable Law prohibits you from doing so, in which case you agree to provide
substantiating documentation to CET or (ii) CHF advises you to delay foreclosure as a result of
your notification of a problem in doing so.
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E. You agree to provide .a prompt response in providing property sales results and to provide
verifications of recording information within one business day and then follow up via Lenstar to
the attention of the appropriate CHF employee.
F. Adherence to Applicable Law and applicable Agency/Insurer Requirements is mandatory in

Agency/Insurer Requirements. Any exceptions must be approved by CHF in writing. In the
event that an extension of time is warranted in a particular matter, you agree to assist us in
submitting justification to an Agency/Insurer or procuring written Agency/Insurer
acknowledgment and acceptance of your request.
G. You agree to contact our office immediately if you are advised that a property is vacant, damaged
or environmentally contaminated or if there is any other material matter with regard to the
property or the borrower. This information should also be reflected on your monthly status
report. For matters referred by San Diego, notification must be via Lenstar. CHF will process all
insurance claims.
A. For all Bankruptcy Serviced in San Diego, we will direct all inquiries for reinstatements and
payoff figures to your office. You agree that prior to accepting payoff funds on behalf of CHF,
you will contact CHF immediately with regards to matters referred by Columbus or to the line
staff member handling the case. All payoff funds on FHA loans must be received by the
Columbus office the last day of the month or an additional month's payment is due from the
borrower. All payments received must be sent overnight mail to our office within one business
day of receipt to ensure prompt application within our office. You agree that, prior to accepting
payoff funds on behalf of CHF, you will contact CHF immediately (via the Voice Response Unit)
with regard to matters referred by Columbus or direct line to the staff member handling the case
to get updated information. All payments received must be overnight mailed to our office within
one business day of receipt to ensure prompt application within our office. You may not charge a
reinstatement fee on any foreclosure or bankruptcy actions. To the extent you receive a short
payment, for either reinstatement or payoff, you should notify CHF immediately to determine
whether CHF is willing to accept such short payment.
B. Except as provided in B and C below, if you are requesting payoff or reinstatement figures, please
e-mail your request to CHFfclpayreinAinmchase.com . Turnaround time for these requests is
generally less than three business days. If you have a rush request, please send an e-mail marked
urgent rush request to the aforementioned address.
C. For subprime loans referred by San Diego, requests for payoffs and reinstatements are to be
submitted via Lenstar. In case of emergency, you may call (800) 628-1674, extension 2195 from
7 a.m. to 5 p.m. Pacific Time.
D. For all Bankruptcies serviced in San Diego, please call 800-332-3412 for payoff quotes.
fax to (614) 422-5200 Attention: Bankruptcy Payoff/Reinstatement Department. Please include
the Chase Loan number. Please do not fax your request unless it is truly a rush request.
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Within the first five business days of each month, you must provide a "Cancelled Sale Report" which will
reflect the sales that were cancelled during the prior month. This report must include the following
information:
Loan Number
Mortgagor Name
Property Address
Investor (if applicable)
Date Cancelled or Postponed and By Whom
Reason (if known)
For subprime loans referred by San Diego, a Cancelled Sale Report is not required, but the cancelled sale
notification is to be sent by Lenstar.
CHF' s prior approval must be obtained before postponing a foreclosure sale. An immediate telephone
call to our office is necessary if you believe a sale should be postponed. To the extent a borrower gives
you a reasonable basis to believe that a loan has improperly been referred for foreclosure due to a
servicing defect, you should contact CHF immediately.
1. It is your responsibility to escalate matters to the appropriate senior levels within CHF
management or to the Legal Department.
2. All telephone calls need to be returned promptly whether they are from CHF personnel or
the borrower.
3. You must immediately communicate any reinstatement attempts by the borrower and be
very responsive to the borrower.
4. Bankruptcy and foreclosure bills should be billed in amounts and in accordance with
Agency/Insurer Requirements and may only quote reinstatement and other reasonable
expenses in accordance with Agency/Insurer Requirements.
5. You must ensure that the first legal action is filed within Agency/Insurer Requirements,
or within such time frames specified in Section IH (1)(D), whichever is earlier. If there is
no applicable Agency/Insurer Requirement for a particular File, you will comply with
FNMA requirements. However, please note that CHF views outside counsel as the last
resort and check on a file prior to foreclosure. Every file should be reviewed with an eye
toward possible litigation against CHF and legitimate claims of wrongful foreclosure.
7. You must provide a direct dial or extension number to CHF so that it may quickly reach
you.
8. All correspondence must include CHF loan number, borrower name and property
address.
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If you have not received bidding instructions within three days before the scheduled sale, please contact the
relevant CHF personnel listed in the Contact List, provided from time to time.
receive requested information or documentation within the timeframes specified in this Agreement, or in
you fail to escalate matters to the appropriate CHF management.
5. IRE FOLLOWING INFORMATION RELATES TO FHA LOANS:
A. All FHA foreclosures must be completed within the timeframes as required by the FHA
in accordance with all Applicable Law and Agency/Insurer Requirements. You agree to
submit documentation for exceeding these timeframes and to be liable for any
controllable delays. A chronology letter is required on all foreclosure cases referred to
your office. This is to include any foreclosure, bankruptcy, and eviction proceedings.
B. A title policy in the name of the Secretary of Housing and Urban Development is
required for all FHA loans within 30 days after the Deed to HUD is recorded. This should be sent
immediately to HUD with a copy to CMAX at the CMAX Address.
C. All FHA foreclosures must have property taxes paid prior to deed recordation. If you are
aware that taxes are due, kindly notify our office to allow for CHF's payment of said
taxes.
6. THE FOLLOWING INFORMATION RELATES TO VA LOANS:
A. You agree to order the VA appraisal on behalf of CHF at least 60 days, but no later than 90 days,
(or at the earliest possible time before sale if the sale date is less than 60 days from the date of
referral) before the sale date. VA appraisal bills should be sent directly to Compliance Invoice
Processing at CHF. This information should be reflected on your monthly status report.
VA Servicer Number for CHF, Ohio 255511
B. The Title Policy must be issued in the name of the Secretary of Veterans Affairs for all VA
conveyances within 30 days after the foreclosure sale and should be sent to the VA immediately
with a copy to CMAX at the CMAX Address.
7. CONVENTIONAL
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8. POST-SALE
A. If FHA property is known to be occupied based on the occupancy status noted on the bidding
instructions at the time of the foreclosure sale and CHF is the successful bidder at the sale, eviction
proceedings are to begin immediately after the sale or upon expiration of the applicable redemption
period. You should not wait for instructions from CHF to begin this process.
B. You agree to deliver good marketable title, in accordance with applicable Agency/Insurer
Requirements, under the law of the state in which the foreclosure was completed. Title searches
should be completed to insure all property taxes and liens are paid prior to conveyance.
D. Any outstanding property taxes and/or liens, up to a maximum of $1,000, that hinder the timely
conveyance of a property within the Agency/Insurer Requirements should be advanced by you.
Reimbursement for these advances must be forwarded to the CHF Invoice Processing Department,
accompanied by a complete breakdown of the taxes or liens paid, a copy of the invoice and the
check used to pay these taxes or liens. Taxes or lien invoices greater than $1,000 should be
forwarded to the appropriate post-Foreclosure analyst for immediate payment directly through
CHF's Invoice Processing Departments. For subprime matters referred by San Diego, invoices
should be forwarded to P.O. Box 501830, San Diego, CA 92150-9011.
E. You agree that all CHF documents relating to the foreclosure process, including invoices, should be
made readily available, without charge to CHF, throughout the post-foreclosure process and as
needed subsequent thereto. In accordance with applicable state and federal law, clear and legible
imaged documents will be accepted.
F. For matters referred by San Diego, your firm must present its final invoice prior to the time CHF
makes its referral of the final Agency/Insurer claim for reimbursement of these expenses. Failure
to present your invoice prior to this time could require CHF to incur costs for filing a supplemental
claim, or could result in the Agency/Insurer failing to reimburse Chase Home Finance LLC. You
will be responsible for all such costs and reimbursements.
G. You agree to record deeds on third party sales unless it violates the foreclosure procedures in your
jurisdiction.
9. MONITORING FIRST FORECLOSURE ACTIONS ONLY
For matters referred by San Diego, in those instances in which CHF holds the second lien position (and is
current) and the first mortgagee is foreclosing, CHI' may refer loans for monitoring of the first's action only
and not for foreclosure of CHF' s interest. For a flat rate fee of $200, you are required to file a notice of
appearance (or answer & cross-claim if applicable) in the first mortgagee's foreclosure action and monitor
the status of that action monthly. It is your responsibility to ensure that all necessary steps are taken to
protect CHF's interest. You must advise CHF immediately in writing upon notification of the scheduling
of the first mortgagee's foreclosure sale.
10. LITIGATION
A. If an Answer contesting foreclosure is filed and/or discovery is sought, please notify us in writing
with the proposed billing structure attached as follows:
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Time and Materials- Schedule /M 118
For matters referred by San Diego: Foreclosure Manager, Phone 858-618-5093, Fax: 888-371-
3821.
B. If a Counterclaim, Adversary Action, or other filing for which a significant legal issue is raised
(e.g., TELA, Fair Lending, RESPA, etc.) please fax a copy immediately as follows:
Chief Litigation Counsel, Phone: 732-205-8882, Fax: 732-205-8838.
Please note that if new litigation is filed against CHF, you are not permitted to accept service on behalf of
CHF. However, if you are provided a courtesy copy of such litigation, you must immediately notify CHIP
litigation counsel.
CHF, our investor or insurer will make decisions re garding seeking deficiency judgments. For matters
referred by San Diego, you will take all necessary steps to ensure that CI-IF's rights to deficiency balances
are protected in accordance with applicable state law.
ARTICLE IV — REPLEVINS
1. Adherence to all instructions contained in our transmittal letter is required. Copies of all
pleadings must be sent to CHIP and any other parties we may specify in our transmittal.
2. Upon receipt of a file from our office, you are obligated to review the file and notify CHF
immediately if you believe commencing a replevin is problematic. For instance, if you believe
notify CHF immediately as described in this Agreement. If commencing a replevin does not appear
problematic, please send notification in accordance with Applicable Law to the debtor advising that
you are representing us and replevin proceedings are being initiated.
3. You are required to verify the tax status on each referred account including obtaining information
on delinquent amounts owed and advise CHF of such status.
4. All replevins must be initiated within three (3) days of receipt of the files (i) unless Applicable Law
prohibits you from doing so, in which case you agree to provide substantiating documentation to
CHF or (ii) CHF advises you to delay replevin as a result of your notification of a problem in doing
so as described in paragraph number 2 above.
5. You are required to notify CHF immediately in writing upon receipt of the Writ.
6. All writs are to be obtained within 90 days of receipt of the file. If the Writ will not be obtained
within 90 days of receipt of the file, you are to advise CHIP immediately and in writing of the
7. Adherence to Applicable Law and applicable Agency/Insurer Requirements is mandatory in

Agency/Insurer Requirements. Any exceptions must be approved by CHIP. In the event that an
extension is warranted, you agree to assist us in submitting justification to an Agency/Insurer or
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procuring written Agency/Insurer acknowledgment and acceptance of your request.
8. You agree to contact our office immediately if you are advised that a home is vacant, damaged, or
borrower. This information should also be reflected in your monthly status report.
9. It is your responsibility to elevate matters to the appropriate senior levels within CHF management
or to the Legal Department.
10. All telephone calls must be returned promptly whether they are from CHF personnel or the
borrower.
12. All correspondence must include CHF' s loan number, borrower name and address.
ARTICLE V - BANKRUPTCIES
1. GENERAL
A. You must notify CHF via Lenstar the day you receive notice of the commencement of bankruptcy
by a CHF borrower so as to enable CHF to comply with the automatic stay. Instructions must be
obtained from CHF's Bankruptcy Department before your firm's representation of CHF in a
bankruptcy if it interrupts a foreclosure, unless your firm is already handling such foreclosure. For
all Bankruptcies serviced in the San Diego servicing facility, please call 1-800-332-3412.
. fax to (614) 422-5435 Attention: Bankruptcy Payoff/R.einstatement Department. Please include the
Chase Loan number. Please do not fax your request unless it is truly a rush request.
B. CHF's approval must be obtained before proceeding with bankruptcy Services including, but not
limited to, stipulations, amended claims and plan objections. You must contact CHF immediately,
and escalate the issues as necessary in order to assure CHF's interests are protected or in order to
obtain such approval.
C. Adherence to all instructions contained in our transmittal letters is required.
D. Copies of all completed Services (e.g., entered orders, stamped proof of claims, copies of plans,
proofs of claim, motions for relief, 341 hearing data sheets, etc.), must be sent to our office. In the
case of a proof of claim or a motion for relief, this information must be received within two weeks
from our request for these Services.
E. You must advise us in cases where you have identified that the debtor has filed bankruptcy
previously. In these cases we will discuss what our best options will be on a case-by-case basis so
as to assist in preventing bankruptcy abuse. You must also advise us whenever you have reason to
believe that a debtor has justifiably filed bankruptcy to delay a foreclosure that was imprudently
commenced by CHF in any way related to a servicing defect.
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Time and Materials- Schedule
1. You must notify the Bankruptcy technician managing the account of any hearings scheduled
related to the account. You must also bring to the Bankruptcy specialist's attention any
disputed items or objections (i.e., payment disputes, objection to proof of claim, etc.). If
specialist has not provided needed information or documentation within ten (10) days, you
must immediately notify the Bankruptcy specialist's supervisor or manager to insure proper
attention is given to the matter. It is your responsibility to escalate matters as necessary to the
appropriate senior levels within CHF management or to the Legal Department. If the matter is
not brought to the proper attention, any losses will be billed to your firm and could result in
suspension of future referrals.
2. You must verify the Bankruptcy Proof of Claim figures provided and ensure compliance with
Applicable Laws.
3. You must adequately protect CHF in all agreed orders or stipulations.
4. On loans for which you are handling for the foreclosure and bankruptcy, we
require you to resume the foreclosure action immediately after relief from stay is granted or the
bankruptcy has been dismissed or discharged, unless the state has adopted a statutory holding
period before the foreclosure process can resume. If the loan needs to be re-breached (clue to
acceptance of payments in the bankruptcy) you should notify the assigned Foreclosure
Specialist.
5. Any debtor payments received by your firm should be immediately mailed to:
For matters referred by San Diego, request the information via Lenstar.
F. For matters referred by subprime San Diego, you will comply with the parameters in Exhibit G.
2. CHAPTER 13 BANKRUPTCIES
A. We do not require you to monitor post petition payments, but we will accept reports from your firm
if available. However, we do not expect to be charged monitoring fees. We will advise your firm
if filing for relief is necessary.
B. All legal fees incurred prior to bankruptcy filing must be included in the Proof of Claim.
C. Additional interest paid by the Chapter 13 trustee on our arrearage must be included as part of
CHF's claim at the contract rate, the allowable rate in your state or such other rate approved by the
court.
D. All schedules must be obtained for our review along with a copy of the plan for each case. The
schedules should be reviewed prior to sending them to Chase with an opinion on whether we
should object to the plan. If a workout alternative may be possible, we may seek your assistance in
the handling of the matter.
E. Inform CHF immediately upon learning of a cramdown proceeding.

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3. CHAPTER 7 AND 11 BANKRUPTCIES
A. If a workout alternative may be possible, we may seek your assistance in the handling of the matter.
B. In Chapter 7 asset cases we will require that a Proof of Claim be timely filed by your firm on our
behalf. All Chapter 11 cases will also require a Proof of Claim to be timely filed.
C. If a Proof of Claim referral is sent, it should be filed on Chase's behalf regardless of Chapter type.
Proof of Claim must be filed within 30 days of request.
4. MOTIONS FOR RELIEF
A. For matters referred by San Diego, all motions for relief must be filed within five business days
from the date the motion is requested.
B. Under no circumstances should CHF's motion for relief be withdrawn after we have been charged
for it without written authorization from CHF.
C. For consideration of a repayment agreement with a debtor, we will not entertain an agreement that
will exceed six months unless there are extenuating circumstances. CHF requires you, and you
agree, to seek enforceable orders. Stipulated agreements should not be negotiated or approved
without CHF's prior consent.
5. TERMINATION OF AUTOMATIC STAY
A. All orders terminating the bankruptcy (i.e., orders for relief, dismissals, etc.) must be sent via
electronic mail to our office the day they are received by your firm. For subprime (San Diego)
notification of the order is to take place via Lenstar.
B. The day relief is granted or you are notified of a dismissal, discharge, etc., CHF's Bankruptcy
Department must be notified via Electronic mail. For subprime (San Diego,) notification of the
order is to take place via Lenstar. If your firm was handling the prior foreclosure action, then your
firm should restart the foreclosure proceedings immediately following the relief of stay, dismissal
or discharge, provided the mortgagor has not brought the loan contractually current. CHF is to be
notified via Lenstar, e:mail or fax within 24 hours of the foreclosure being reinstated.
6. OBJECTION TO CONFIRMATION
Attorneys in states that fall under the jurisdiction of the 9th circuit (Alaska, Arizona, California, Guam,
Hawaii, Idaho, Montana, Nevada, Oregon and Washington) will object to confirmation of any Chapter 13
plan that does not contain language that negates the effect of the Peters decision. To the extent decisions
similar to the Peters decision are reached in other circuits, then you must likewise object to confirmation of
any Chapter 13 plan that does not contain language that negates the effect of such decision. Failure to
object will result in your firm's being required to reimburse CIIF for any damages, costs and expenses that
CHF suffers resulting therefrom.
You must immediately inform CHF of any Chapter 13 plan that does not adequately protect CHF's
interests, and object to such plan.
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7. BILLING
Upon completion of each service rendered in connection with the bankruptcy (i.e., proof of claim has been
filed, motion for relief has been prepared, etc.), a bill must be submitted with supporting documentation
under separate cover to CHF as follows:
For matters referred by San Diego: Chase Home Finance LLC, P.O. Box 501830, San Diego, CA 92150-
9011.
ARTICLE VI- ALTERNATIVES TO FORECLOSURE
a. A deed-in-lieu of foreclosure is approved by CI-IT
b. A loan modification is approved by CHF
c. Another workout arrangement is approved by CHF
1. DEED-IN-LIEU
A. All deeds-in-lieu of foreclosure require prior CHF authorization for acceptance and should not be
processed unless a good title in accordance with all applicable Agency/Insurer Requirements and
Applicable Law is obtained. Preliminary title review results are to be communicated to CHF, via
electronic means within 14 days of referral to your office.
B. When you determine that a title is clear in accordance with Applicable Law and Agency/Insurer
Requirements, all deed-in-lieu documents should be sent to the appropriate parties for execution
within three business days of the title examination. It is your responsibility to follow-up with the
borrower and CHF for return of the executed documents.
C. CHF must be notified of deed recordation on VA and Conventional loans by telephone

or electronic mail within one business day. For subprime (San Diego) notification of the order is to
take place via Lenstar.
D. A Title Policy in accordance with Agency/Insurer Requirements must be issued and received by
CHF on all deeds-in-lieu within 30 days from deed recording on VA and Conventional loans and in
accordance with FHA requirements on FHA loans.
E. If CHF is in second lien position, you must obtain current payoff information and figures through
completion.
2. LOAN MODIFICATION
If we require a Loan Modification Agreement, our request letter will contain all applicable terms and
conditions to be included in the Agreement.
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3. PARTIAL CLAIMS
Within one business day of receipt of the approved Partial Claim from CHF, you will e-mail a copy of the
cover letter to the Recorder's Office to CHF's Post Sale Department.
118 Page 1 of 12
Schedule #3
Chase Agreement No.

Teati,N
Stern, P.A. and Chase Home Finance LLC dated February 8, 2006, and incorporates, by reference, all terms
and conditions therein contained.
of this Schedule and the terms of the A greement, the terms of this Schedule shall prevail. The Exhibit(s) to
this Schedule, if any, shall be deemed to be a part hereof. In the event of any inconsistencies between the
terms of the body of this Schedule and the terms of the Exhibit(s) hereto, the terms of the body of this
Schedule shall prevail. Capitalized terms not otherwise defined in this Schedule shall have the meaning set
forth in the Agreement.
Site Of Performance
Services related to this Schedule shall be for Milwaukee, Wisconsin.
Scope Of Work
ARTICLE I - GENERAL
1. The Attorney/Trustee is required to maintain current and accurate records for each individual loan
handled. These files shall be available to CHF or its authorized representatives for audit purposes at
any time. You agree upon reasonable notice to provide CHF or its authorized representatives full and
complete access to Bank files, documents and other items, including but not limited to funds held by
you, with regard to the services to be performed here under ("Bank Documents"), at any time during
business hours and to make available knowledgeable personnel for the purpose of responding to
questions or inquiries regarding Bank Documents and the status of the services being performed here
under. You agree that all Bank Documents and any other Bank property, which may come into your
possession as a result of the services provided hereunder, are always the property of CHF and you
should return at your expense Bank Documents and other property to CHF immediately upon demand.
2. All fees are to be in accordance with allowable fee provisions under FNMA Standards. Any amount
above the allowable fee structures must be approved by CHF in writing prior to the provision of the
services in question. Requests to exceed the fee cap must be submitted to the processor handling the file
via electronic transmission, or via overnight mail. CHF will make every effort to respond to the fee cap
waiver request within forty-eight (48) hours of receipt. If the request for fee cap waiver is extremely
time sensitive due to a pending appeal, etc., a phone call should be placed to the appropriate Bank
department manager for verbal approval. Costs for phone calls, postage, copying, courier and faxing
will not be paid unless approved in writing by CHF prior to the provision of the services in question.
CHF requires that all invoices be submitted via the iClear web-based billing system. It is understood
by you that failure to comply with the required format could result in nonpayment of your invoices.
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3. Unless otherwise arranged in a subsequent writing, all funds necessary to meet the costs and expenses
required in handling the foreclosure, bankruptcy or alternatives to foreclosure, etc., will be advanced by
the Attorney/Trustee. CHF will reimburse you in accordance with the billing procedures set forth
herein in this Schedule.
4. Weekly foreclosure status reports sent by CHF are to be returned completed within 7 days of receipt.
Do not send status reports via fax transmission, but via e-mail in an Excel or .txt format. The e-mail
should be sent to the designated address: BKl_FCL_STATUS@BANKONE.COM . Do not send the
status report to individual Bank associates.
5. You agree that it is your responsibility to maintain updated policies and procedures in accordance with
all FNMA Standards and Applicable Law and that CHF is under no obligation to inform you of
changes in FNMA Standards and/or Applicable Law.
6. All inquires or correspondence, in addition to checks, should be sent to the attention of the appropriate
department (e.g., Foreclosure or Bankruptcy). All incoming information must be identified by CM.'
loan number, mortgagor name, property address and type of action such as foreclosure, bankruptcy, etc.
A contact list that provides Retail Asset Management ("RAM") contact information (names by
department, e-mail addresses and phone numbers), will be provided to your firm with applicable
updates from time to time, and this list, or others provided, must be used for all escalation matters as
outlined below in this Schedule.
1. FEES
A. All fees shall be within applicable FNMA Standards. You agree to provide loan status and account
information to us upon request and without any charge. In addition, copying, postage, courier, faxing,
long distance phone charges and other such ancillary expenses are all considered a cost of doing
business and will not be paid by CHF. If additional fees are necessary as the result of required, non-
routine work, you must provide a written request for additional fees with an appropriate detailed
description of the work required and the estimated amount of time required to complete the work (the
"Budget"). Management must approve the Budget in writing in advance of the work being performed.
You are not permitted to bill a borrower separately for any other amount that is not approved in
advance by CHF, but in no event will you charge an amount (i) that is not authorized by the borrower's
loan documents or (ii) that violates relevant law. The per hour charge, which may only be charged for
litigated issues or upon Bank requested special projects, will be in accordance with the attached Exhibit
C. Bills in excess of the allowed rate or hourly billings not previously approved by CHF will not be
paid. Document retrieval fees will be reimbursed When it is necessary to obtain documents from third
parties (e.g., county or district clerks, county recorders, etc.) in order to proceed with and/or complete
the foreclosure and bankruptcy process timely.
2. EXPENSES
A. Bank One shall not reimburse the firm for travel and other expenses incurred by the firm's personnel in
connection with this Schedule.
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3. BILLINGS
A. Invoices must be submitted through the iClear web-based billing system in accordance with the
timeframes below:
B. Standard Foreclosure - Invoices must be submitted no more than TWICE during the process: (i) upon
filing of the complaint or other first legal action; and (ii) within five (5) days of the completion of sale
or when the foreclosure. action is interrupted by a bankruptcy. Sheriff costs / confirmation costs must
be submitted within twenty-four (24) hours of receipt.
C. Bankruptcy — Invoices must be submitted within ten (10) days of completion of each service rendered
in connection with a bankruptcy (i.e., proof of claim has been filed, relief from the automatic stay has
been requested, etc.), a bill must be submitted. All bankruptcy actions undertaken are per our request.
We will only payment for services that we have requested that your firm perform in writing.
D. Contested Foreclosures - Invoices must be submitted on a monthly basis in order to allow us the ability
to better monitor the case and settlement possibilities and in accordance with other areas of this
Schedule.
E. Reinstatement/Payoff - Invoices must be submitted when the funds are tendered to our office.
F. Alternatives to Foreclosure - Invoices must be submitted upon completion of each service rendered, or,
if requested by CHF, within forty-eight (48) hours of CHF's request. If CHF requests that the
foreclosure action be placed on hold pending the completion of a repayment agreement, you agree to
submit your invoice within 48 hours of receiving the request.
G. NEVER SUBMIT DUPLICATE INVOICES! If follow up is necessary, an e-mail or letter is to be

sent to the appropriate department manager referencing the outstanding invoice, the amount, the
Fortracs account number, the invoice type, and the status of your firm's account. This should only be
done when a bill becomes sixty (60) days past due.
H. If your office receives funds on behalf of CHT (i.e., reinstatements, payoffs, etc.), Attorney/Trustee fees
should NOT be deducted from these funds. All funds should be sent to via overnight mail to the
attention of the Foreclosure Operations Dept., 111 E. Wisconsin Ave., Mail Code WI1-4030,
Milwaukee, WI 53202. A final bill for your services must be sent when the fully submitted funds are
sent to our office. All bills must be submitted in the attached format. Fees on a reinstatement should
reflect the stage at which the foreclosure action was at the time of reinstatement.
I. Monitoring fees will not be paid unless CHF is a junior lienholder. In these instances the foreclosure or
bankruptcy attorney will be responsible to monitor the progress of any foreclosure action commenced
by the senior lienholder. Any fee associated with this service is to be approved by a member of RAM
management prior to service being provided.
J. Invoices not received as indicated herein, or if you have not provided us with an original IRS form W-
9, will not be paid by CHF at that time.
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K. The address to send "traditional" paper invoices is:
Chase Home Finance

Accounts Payable Department
111 E. Wisconsin Ave.
Mail Code WI1-4030
Milwaukee, WI 53202
Note that the automated electronic billing software system (once activated) must be used for
submission of invoices in lieu of sending "traditional" invoices.
L. Any invoice submitted more than thirty (30) days outside the above referenced guidelines may be
subject to a reduction in fees. Failure to submit invoices within sixty (60) days of the final action will
result in full non-payment of the invoice. Double or duplicate billing will result in a termination of
new referrals.
M. If there exists a good faith dispute with regard to an item appearing on an invoice, CHF has the right to
withhold such disputed amount while the parties attempt to resolve the dispute. CHF's withholding of
such payment shall not constitute a breach of this Schedule, nor shall it be grounds for the firm to
suspend its performance of services, so long as CHF pays on a timely basis those amounts that are
undisputed and owing.
ARTICLE III - FORECLOSURES
1. CONEVIENCING PROCEEDINGS
A. Upon receipt of a file from our office, you are obligated to review the file and notify CHF immediately
if you believe commencing a foreclosure is problematic. For instance, if you believe CHF may have
committed a servicing error, which resulted in the borrower's default, you should notify CHF
immediately as described in this Schedule. If commencing a foreclosure does not appear problematic,
please send notification in accordance with Applicable Law to the debtor advising that you are
representing us and foreclosure proceedings are being initiated.
B. If the foreclosure documents are not received by the attorney within 5 days of the foreclosure referral,
the firm should obtain the necessary certified copies for the court records and invoice CHF for the
additional cost. No prior authorization is necessary to incur this cost. If Applicable Law requires
original documents then they will be provided within 10 days of the foreclosure referral. In the event
CHF subsequently obtains new information necessary for the firm to perform the foreclosure or
discovers information contrary to that disclosed in the initial referral, which is unknown to the firm,
CHF shall provide the firm with a written supplement via fax or e-mail, disclosing the additional
information within a reasonable time.
C. Adherence to all instructions contained in our letter is required. Copies of all pleadings and
correspondence must be retained by the firm and provided to CHF and any other parties within twenty-
four (24) hours of a request. If the title work does not reflect that CIEF may initiate foreclosure
according to the instructions provided, please contact the foreclosure processor immediately.
D. All foreclosures must be initiated (sometimes known as "first legal filing"), within twenty-five (25)
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days or at the earliest possible date of receipt of the foreclosure referral. If a demand letter is required,
all complaints must be filed within twenty-four (24) hours of the expiration of the demand.
E. You agree to provide the appropriate CHF employee(s) with prompt sales results and verifications of
recording information within twenty-four (24) hours of the completed action or on the next business
day. If the foreclosure begins to run past the applicable FNMA timelines, your office agrees to provide
a chronology to CHF detailing the delays in the completion of the foreclosure. Failure to provide this
could cause the firm to be liable for penalties/fees reduction.
F. Adherence to Applicable Law and FNMA Standards is mandatory in performing services hereunder
and you agree to comply with all Applicable Law and FNMA Standards. Any exceptions to FNMA
Standards must be approved in writing by CHF. In the event that the delay is due to a failure on the
part of the firm, the firm will be liable for penalties/fee reductions and any lost interest (calculated at
the contract rate of the specific loan account) associated with the delay.
G. You agree to contact our office immediately if you are advised that a property is vacant, damaged,
environmentally contaminated or of any other material matter with regard to the property or the status
of the mortgagor. CHF will process all insurance claims unless otherwise noted.
A. All necessary information needed to quote reinstatements and payoff figures will be directed to your
office even if CHF has requested you to place the action on hold pending the completion of a
forbearance plan. You agree that prior to accepting payoff funds on behalf of CHF, you will contact
CHF immediately via the payoff/reinstatement e-mail addresses listed below. All reinstatements and
payoffs received by your office must be sent via overnight mail to our office within twenty-four (24)
hours of receipt to insure prompt application within our office. Your fees should not be taken out of
the reinstatement or payoff proceeds. The full amount of the reinstatement or payoff must be remitted
to CHF, and a subsequent bill must be submitted for all related fees and costs. You may not charge a
reinstatement fee on any foreclosure or bankruptcy actions. To the extent you receive a short payment,
for either reinstatement or payoff, you should notify CHF immediately to determine whether CELF is
willing to accept such short payment.
B. Except as provided in C below, all requests for payoff and reinstatement quotes are to be sent to our
specified e-mail addresses: (i) payoffs are to be e-mailed to LOSSMTT_PAYOFFS@BANKONE.COM
and (ii) reinstatement quotes are to be e-mailed to LOSSMIT REINSTATE@BANKONE.COM . Our
turnaround time for these requests is 72 hours. If it is a rush request, please indicate that in the subject
line of the request. Please do not fax unless e-mail is unworkable for whatever reason. All outstanding
fees and costs are to be added to the quote provided by CHF prior to providing the same to the
borrower or their representative. Attorney is responsible to review the payoff and reinstatement quote
to insure that all items can be collected pursuant to the laws of the applicable state. If any amounts are
deemed uncollectible, the Attorney is responsible to CHF for the over charged amounts and any costs
or damages. If changes are made to the payoff or reinstatement quote, the attorney is to notify the
foreclosure or bankruptcy processor within twenty-four (24) hours.
C. Call 800.576.6730 for payoff quotes. Turnaround time for these requests will be within three business
days. If you have a rush request, fax to (414) 977-9233 Attention: Payoff/Reinstatement Department.
Please include CT-IF loan number. Please do not fax your request unless it is truly a rush request.
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A. You must contact us at least five (5) business days prior to a foreclosure sale to obtain a bid.
1. It is your responsibility to escalate matters to the appropriate senior levels within Bank management.
2. All telephone calls need to be returned promptly whether they are from Bank personnel or the
borrower.
responsive to the borrower
5. You must provide a direct dial or extension number to CHF so that it may quickly reach you.
6. All correspondence must include CHF loan number, borrower name and property address.
7. If you have not received bidding instructions within three days before the scheduled sale, please
contact the relevant Bank personnel.
B. CBI's prior approval must be obtained before postponing a foreclosure sale. An immediate telephone
call to our office is necessary if you believe a sale should be postponed. To the extent a borrower gives
you a reasonable basis to believe that a loan has improperly been referred for foreclosure due to a
servicing defect, you should contact CHF immediately. If a foreclosure sale is postponed without prior
written approval of CHF and your firm has been given a bid, then your firm will be responsible for any
and all costs, fees and damages associated with setting and completing a new foreclosure sale as well as
any additional interest that accrues on the loan, for the entire period of the delay. If your firm is made
aware of issues that would, in your opinion, not make it in CHF' s best interest to take title to the
property and is unable to obtain prior authorization to postpone the sale, a detailed explanation must be
provided to CHF foreclosure manager and your firm will not be held liable for fees, costs and damages
associated with the rescheduling of the sale unless the failure to obtain authorization was due to your
delays.
C. When your firm communicates to CHF that there is a property ready to go to foreclosure sale, your firm
is certifying that the foreclosure has been done in compliance with Applicable Law. Further, your firm
will confirm that any repayment plan or solicitation deals have not caused the sale to be invalid.
D. Once a sale date has been scheduled, a Warranty Deed to CHF must be prepared in accordance with
Applicable Law and FNMA Standards, and mailed immediately to our office for execution at least forty
five (45) days prior to the scheduled sale. If your firm has not received the executed deed within fifteen
(15) days of the foreclosure sale, then it is your firm's responsibility to follow-up for the documents
from CHF to insure timely recording of the document. If failure to comply with this guideline delays
proper conveyance to CBI, then your firm will be held responsible for all losses incurred by this delay.
E. Third party foreclosure sale proceeds must be remitted to CHF in full. Your fees should not be taken
out of the proceeds. A subsequent bill must be submitted for all related fees and costs.
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receive requested information or documentation within the timeframes specified in this Schedule, or in
you fail to escalate matters to appropriate Bank management.
5. CONVENTIONAL
6. POST-SALE
A. You agree to deliver good title, in accordance with applicable FNMA Standards and Applicable Law of
the location of the property. CHF retains the right to conduct all title work with our designated title
company. If CHF chooses to retain the services of a specific title company, your office will be notified
at the time of referral. In such cases the specified title company will be retained throughout the
foreclosure and REO processes.
B. Copies of the court stamped foreclosure deed with the correct vesting and/or the recorded originals of
the foreclosure deed must be forwarded to our offices within 30 days of sale unless restricted by
applicable state and Federal laws (i.e. in the cases of some redemption laws, the foreclosure deed
cannot be filed until the redemption period expires) at which time the certified copies and/or originals
are to be forwarded within thirty (30) days of expiration of such period.
C. If property is known to be occupied based on the occupancy status noted on the bidding instructions at
the time of the foreclosure sale and CHF is the successful bidder at the sale, eviction proceedings are to
begin immediately after the sale or upon expiration of the applicable redemption period. You should
not wait for instructions from CHF to begin this process.
• D. You agree that all Bank documents relating to the foreclosure process, including invoices, should be
made readily available, without charge to CHF, throughout the post-foreclosure process and as needed
subsequent thereto. In accordance with applicable state and federal law, clear and legible imaged
documents will be accepted.
E. You agree to record deeds on third party sales unless it violates the foreclosure procedures in your
jurisdiction.
7. LITIGATION
If an answer with affirmative defenses contesting the foreclosure is filed, or a counterclaim is filed,
please notify CHF foreclosure processor and the Chase Home Finance Legal Department, (attn: Lauren
Weisberg, 194 Wood Avenue South, 2nd Floor, Iselin, NJ 08830) in writing. A copy of the answer,
counterclaim or motion should be sent with the proposed billing structure. This letter should also
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indicate projected legal fees and your firm's preliminary status and projection for the outcome. CHF's
Legal Department will then provide the firm with instructions on how to proceed.
All decisions regarding actions for deficiency judgments will be made solely by CHF with counseling
from your firm. You are required to preserve our rights to pursue a deficiency in all applicable
states.
ARTICLE VI— REPLEVINTS
pleadings must be sent to CHF and any other parties we may specify in our transmittal.
B. Upon receipt of a file from our office, you are obligated to review the file and notify CHF immediately
if you believe commencing a replevin is problematic. For instance, if you believe that CHI' may have
committed a servicing error, which resulted in the borrower's default, you should notify CHF
immediately as described in this Schedule. If commencing a replevin does not appear problematic,
please send notification in accordance with Applicable Law to the debtor advising that you are
representing us and thatreplevin proceedings are being initiated.
C. You are required to verify the tax status for each referred account including obtaining information on
delinquent amounts owed and advise CHF of such status.
D. All replevins must be initiated within three (3) days of receipt of the files (i) unless Applicable Law
prohibits you from doing so, in which case you agree to provide substantiating documentation to CHF
or (ii) CHF advises you to delay replevin as a result of your notification of a problem in doing so as
described in paragraph B above.
E. You are required to notify CHF immediately in writing upon receipt of the Writ.
F. All writs are to be obtained within 90 (ninety) days of receipt of the file. If the Writ will not be
obtained within 90 days of receipt of the file, you are to advise CHF immediately and in writing of the
G. Adherence to Applicable Law and applicable Agency/Insurer Requirements is mandatory in performing

Services hereunder and you agree to comply with all Applicable Law and applicable Agency/Insurer
Requirements. Any exceptions must be approved by CHF. In the event that an extension is warranted,
you agree to assist us in submitting justification to an Agency/Insurer or procuring written
Agency/Insurer acknowledgment and acceptance of your request.
H. You agree to contact our office immediately if you are advised that a home is vacant, damaged, or
borrower. This information should also be reflected in your weekly status report.
I. It is your responsibility to elevate matters to the appropriate senior levels within Bank management.
J. All telephone calls must be returned promptly whether they are from Bank personnel or the borrower.
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K. You must immediately communicate any reinstatement attempts by the borrower and be very
L. All correspondence must include CHF loan number, borrower name and address.
ARTICLE VII- BANKRUPTCIES:
1. GENERAL:
A. Instructions must be obtained from CHF's Bankruptcy Department before your firm's representation of
CIE in a bankruptcy, when the filing interrupts a foreclosure.
B. CHF's approval must be obtained before proceeding with additional bankruptcy services including, but
not limited to, stipulations, amended claims, and plan objections. CHF must approve all breakdowns
and amounts used in drafting any agreed/consent orders before submission to the debtor's attorney or
the court. If CHF approval is not obtained in accordance with the above, any additional fees or costs
associated with correction will be waived, and your firm will indemnify CHF for any corresponding
losses/damages.
C. Strict adherence to all instructions contained in our referral is required.
D. Copies of all completed services (i.e., proof of claims, motion for relief, consent orders, dismissals,
discharges, etc.) must be immediately sent to our office.
E. It will be necessary for your firm to advise CHF in cases where you have identified that the debtor has
filed bankruptcy previously. In these cases we will discuss what our best options will be on a case-by-
case basis so as to assist in preventing bankruptcy abuse.
2. CHAPTER 13 BANKRUPTCIES:
A. Monitoring of post-petition payments is not to be done by your firm, as this process is done solely
within CHF's Bankruptcy Department. Therefore, we do not expect to be charged monitoring fees.
We will advise your firm if filing for appropriate relief is necessary.
B. All legal fees incurred by your firm or a previous foreclosure or bankruptcy firm prior to the current
bankruptcy filing must be included in the Proof of Claim. Names of previous counsel will be included
in the proof of claim referral if applicable. Notify CHF immediately of any amended proof of claim
figures. If your firm is unable to obtain the prior attorney fees your firm should immediately contact
CHFruptcy processor.
C. Additional interest paid by the Chapter 13 trustee on our arrangement must be included as part of
CHT's Proof of Claim at the rate of 12% or the allowable rate in the applicable state or district.
D. In jurisdictions where the Chapter 13 trustee pays both pre- and post-petition payments through
confirmation, the post-petition payments must be added to the claim and corrected figures must be sent
to CHF immediately.
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3. CHAPTER 7 BANKRUPTCIES:
In Chapter 7 asset cases we may require that a Proof of Claim be filed by your firm on behalf of CHF.
All legal fees incurred by your firm or a previous foreclosure or bankruptcy firm prior to the current
bankruptcy filing must be included in the Proof of Claim or provided to CHF. Names of previous
counsel will be included in the proof of claim referral if applicable. Notify CHF immediately of any
amended proof of claim figures.
4. MOTIONS FOR RELIEF:
A. All motions for relief must be filed within 10 days from the date the motion is requested in writing by
CHF.
B. Under no circumstances should CBI's motion for relief be withdrawn after we have been charged for it
without prior written authorization from CHF or under extenuating court circumstances. If the motion
is withdrawn without written consent from CHF then the cost of refiling the motion and any additional
losses will be billed to your firm and could result in suspension of future foreclosure and bankruptcy
referrals. CHF will not pay any invoice where the motion for relief was not filed prior to the date of
discharge.
5. TERMINATION OF AUTOMATIC STAY:
All orders terminating bankruptcy (i.e., orders for relief, dismissals, etc.) should be e-mailed or faxed to
our office the day they are received by your firm. bankruptcy processor should also be notified by e-
mail. If your firm was handling the prior foreclosure action then your firm should restart the
foreclosure proceedings immediately following the relief of stay, dismissal or discharge, provided the
mortgagor has not brought the loan contractually current. CHF is to be notified via e-mail or fax within
twenty-four (24) hours of the foreclosure being reinitiated.
6. OBJECTION TO CONFIRMATION:
Attorney/Trustees in states that fall under the jurisdiction of the 9th Circuit (Alaska, Arizona,
California, Guam, Hawaii, Idaho, Montana, Nevada, Oregon and Washington) shall object to
confirmation of any Chapter 13 plan that does not contain language that negates the affect of the Peters
decision. Failure to do so leaves your firm open for any damages costs expenses that might result
against CHF.
7. DISPUTED ITEMS OR OBJECTIONS:
Any disputed items or objections must be brought immediately to bankruptcy specialist attention (i.e.,
payment disputes, objection to proof of claim, etc.). If specialist has not provided needed information
or documentation within 10 days, attorney must immediately notify bankruptcy supervisor or manager
to insure proper attention is given to the matter. If the matter is not brought to the proper attention, any
losses will be billed to attorney firm and could result in suspension of future referrals.
ARTICLE VIII- ALTERNATIVES TO FORECLOSURE:

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1. Deed-in-lieu of Foreclosure
2. Loan Modification
3. Stipulated Repayment Plans
1. DEED-1N-LIEU:
A. All Deed-in-Lieu of foreblosure require prior written Bank authorization for acceptance and should not
be processed unless clean title in accordance with all applicable FNMA Standards and Applicable Law
has already been obtained. Preliminary title review results are to be communicated to CHF (via fax or
e-mail) within 14 days of the Deed-in-Lieu referral to the Attorney/Trustee office. If CHF is in second
lien position, you must obtain current payoff information and figures through completion.
B. When the Attorney/Trustee determines that title is clear in accordance with Applicable Law and FNMA
Standards, all Deed-in-Lieu documents should be sent to the appropriate parties for execution within
three (3) business days of the completed title examination. It is your responsibility to follow up with
the Mortgagor and CIE (or any other parties) for return of the executed documents.
C. CHF must be notified of deed recordation by telephone or e-mail/fax within twenty-four (24) hours.
D. A Title Policy in accordance with FNMA Standards must be issued and received by CBI on all Deed-
in-Lieu within thirty (30) days from date of the deed recording.
2. LOAN MODIFICATION:
If we request a Loan Modification Agreement, our request letter will contain all applicable terms and
conditions to be included in the Loan Modification Agreement unless your firm has made prior written
arrangements to use its own modification agreements. A rough draft of the Agreement must be
delivered to CHF within 48 hours of the request from CHF. A final copy of the Agreement must be
delivered to the mortgagor within 48 hours of CHF's approval. CHF must be notified within 48 hours
of receipt of the executed Agreement.
3. STIPULATED REPAYMENT PLANS:
If we request a stipulated repayment plan, our request letter will contain all applicable terms and
conditions to be included in the stipulated repayment plan unless your firm has made prior written
arrangements to use its own agreements. A rough draft of the plan must be delivered to CHF within 48
hours of the request from CHF. A fmal copy of the plan must be delivered to the mortgagor within 48
hours of CHF's approval. CHF must be notified within 48 hours of receipt of the executed Agreement.
ARTICLE VIM - REIMBURSEMENT:
1. The firm agrees that CHF reserves the right to penalize firms for failure to meet any pre-determined
time frames/deadlines and procedures as established by the FNMA Standards that are caused by the
firm's negligence or intentional or willful misconduct with penalties to include, but not limited to, lost
interest, reasonable attorney fees, marketing costs, fines, and penalties as assessed by the FNMA
Standards. You agree to reimburse CHF within thirty (30) days of written notice of such amounts.
2. Where clear and convincing proof of misconduct on the part of the firm is verified to have caused a
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financial loss to CHF, CHF shall seek recovery of those financial losses from the firm.
ARTICLE X - CONCLUSION:
CBF may terminate your services at any time without prior written notice. This Schedule and its
corresponding Agreement in no way constitute a guarantee of referrals or casework of any kind. Upon
termination, you agree to properly execute substitution of counsel documents on pending matters and to
immediately forward all Bank Documents and the executed substitutions of counsel documents in
accordance with CBI's written instructions.
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Agreement # CAIJ I 19 63-7 118
CHASE HOME FINANCE LLC

February 8, 2006
INTRODUCTION
Chase Home Finance, LLC and JPMorgan Chase Bank, N.A. (individually and collectively
"Chase", "we" or "us") may retain your law firm David J. Stern, P.A. ("Attorney/Trustee", "the
firm" or "you") to provide attorney/trustee services in connection with foreclosures,
bankruptcies; replevin actions and alternatives to foreclosure on loans serviced by Chase as more
specifically set forth in this Agreement (the "Services"). By executing this Agreement where
indicated below, you agree that you will comply with the terms of this Agreement when handling
ail such matters on behalf of Chase.
Whenever used herein, the following words and phrases will have the following meaning:
a. Agency/Insurer: The Federal National Mortgage Association (Fannie Mae), the

Federal Home Loan Mortgage Corporation (Freddie Mac), the Veteran's
Administration (VA), the Federal Housing Administration (FHA) / U. S. Department
of Housing and Urban Development (HUD), or the private mortgage insurance
company, as apRlicable.
b. Agency/Insurer Requirements: The applicable rules, regulations, announcements,

notices, directives, instructions, servicing guides and mortgagee letters of the
Agency/Insurer, as applicable, all as may be amended from time to time, including
but not limited to time frames for processing files. Unless otherwise instructed by
Chase, private investor loans will be governed by FNMA's requirements.
c. Applicable Law: All federal, state and local laws and regulations, as amended from
time to time, applicable to the Services to be provided hereunder, including but not
limited to all applicable rules of professional conduct or codes of legal ethics, the
Fair Debt Collection Practices Act, and those federal laws known as the Immigration
Reform and Control Act and the Americans with Disabilities Act. Without limiting
the generality of the first sentence of this Section c, you will comply with: (i)
Executive Order 11246 and the regulations issued pursuant thereto, including the
equal opportunity clause set forth in Section 202 of such order and Section 60-1.4(a)
and other sections of the regulations contained in Parts 1-60 of Chapter 60 of Title 41
of the Code of Federal Regulations ("CFR"); (ii) the Rehabilitation Act of 1973 and
the regulations issued pursuant thereto, including the regulations set forth in Section
60-741.4 of Title 41 of CFR and (iii) the Vietnam Era Veterans Readjustment Act of
1974 and the regulations issued pursuant thereto, including the regulations set fOrth
in Section 60-250.4 of Title 41 of CFR. The provisions of such Sections 60-1.4(a),
60-741.4 and 60-250.4 are incorporated in this Agreement by reference. Sections,
parts, chapters and titles are referenced by number in effect as of November 1, 1992.
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Agreement # 118
d. FNMA Standards: The standards reflected in the FNMA Guides.
ARTICLE I - GENERAL
1. You are required to maintain current, accurate, and complete records for each individual
loan handled (the Files). The Files will be available to Chase or its representatives for
audit purposes at any time. You agree that all Chase Files and any other Chase property
which may come into your possession as a result of the Services provided hereunder are
the property of Chase and you agree to return the Chase Files and other property to Chase
immediately upon demand. You agree to maintain these files for seven years after the
corresponding case has been closed.
You agree, upon reasonable notice and at no cost to Chase, to provide the internal and
external auditors and personnel of Chase and its affiliates, and any examiners or agents
from any regulatory body asserting jurisdiction over the business of Chase or any of
Chase's affiliates (collectively, the "Auditors"), full and complete access to the Files
(including but not limited to your records, systems, controls, processes and procedures
and records of funds held by you), with regard to the Services to be performed hereunder,
at any time during business hours and to make available knowledgeable personnel for the
purpose of responding to questions or inquiries regarding the Chase Files and the status
of the Services being performed hereunder, in order to verify your compliance with this
Agreement.
2. When you return the signed original of this Agreement, you will provide the information
and documentation required in Exhibit A. You will update this information no less
frequently than annually or, if we request, at such other reasonable times. You must
maintain the professional liability insurance specified in Exhibit A throughout the term of
this Agreement. You will send the information and documentation required in Exhibit A
to the following address:

Attention: Strategic Sourcing Group
3415 Vision Drive
3. You represent and warrant as follows:
a. You are duly organized and existing in good kanding under the laws of the
jurisdiction in which you are organized, are duly qualified and in good
standing as a foreign corporation in every state in which the character of your
business requires such qualification, and have the power to own your property
and to carry on your business as now being conducted.
b. The execution and delivery of this Agreement and compliance by you with all
provisions of this Agreement: (i) are within your corporate power and
authority; and (ii) have been duly authorized by all requisite corporate
proceedings.
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Agreement # 118
c. The execution and delivery of this Agreement will not conflict with or result
in a breach of the terms, conditions or provisions of, give rise to a right of
termination or constitute a default under, or result in any violation of, your
firm's organizational documents or any mortgage, agreement, contract,
instrument, order, judgment, decree, statute, law, rule or regulation to which
you or any of your respective properties are subject.
d. No authorizations, consents, approvals or notices of or to any "Person" are

required in connection with: (i) the performance, execution or delivery by
you of your obligations under this Agreement; and (ii) the validity and
enforceability of this Agreement. For purposes of this Agreement, the term
"Person" will mean any individual, firm, corporation, business trust,
partnership, or other entity and shall include any successor (by merger or
otherwise) of such entity.
e. You agree to provide all Services hereunder in compliance with all

Agency/Insurer Requirements, Applicable Law and customary and prudent
standards in your locale.
f. You will: (i) comply with the descriptions and representations as to the
Services and performance standards set forth in this Agreement; (ii) render
Services in a professional manner consistent with the standards of your
industry using appropriately trained and qualified personnel; and (iii) not
infringe on, violate or misappropriate any patent, copyright, trade secret,
trademark or other proprietary right of any entity in performing the Services
and such other obligations.
4. You understand that your client is Chase and not the specific Chase employee who
assigns a matter to you. In reviewing Chase's files or in interactions with a borrower or
borrower's counsel, if you determine that Chase has exposure of any nature (e.g., due to a
servicing defect), Chase expects that you will advise the Chase employee responsible for
managing the File of such exposure. To the extent you believe a matter is not being
properly handled by Chase's employee(s) (e.g., failure to consider Chase's servicing
defect), and you believe damages could accrue to Chase, including but not limited to the
filing of a contested or adversary action on behalf of the borrower, or if you determine
that a property has been sold at foreclosure sale in error, you are obligated to escalate the
matter immediately in accordance with the Contact List Chase provides you from time to
time.
5. You must provide us with information about your firm that we request from time to time
6. Your office will respond to all inquiries relating to payoff and/or reinstatement, as well as
foreclosure/replevin process questions, whether they are from Chase personnel or from
the borrower. Inquiries relating to payoff/reinstatement quotes must be resolved within
one (1) business day. All other phone calls and written inquiries, including inquiries
made through Lenstar, Venderscape, or any other such means, must be responded to
within two (2) business days of receipt.
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Agreement # 118
7. You agree that it is your responsibility to remain current on all Agency/Insurer

Requirements and Applicable Law and that Chase is under no obligation to inform you of
changes in Agency/Insurer Requirements and/or Applicable Law. Any fees or penalties
incurred by Chase associated with the failure to comply with the applicable changes will
be the responsibility of the Attorneys/Trustees.
8. All inquires, correspondence, checks, etc., should be sent to the attention of the Chase
managing technician, and to the respective department for the case you are handling,
unless this Agreement otherwise requires a different recipient. All such information must
be identified by the Chase loan number, borrower name, property address and type of
action, such as foreclosure, bankruptcy, replevin, etc.
9 You will keep confidential and will not use or disclose to any other party any Customer
Information, except as authorized in writing by Chase or as appropriate in connection
with performing the Services in accordance with this Agreement and subject to any
conditions set forth elsewhere in this Agreement. For purposes of this Agreement,
"Customer Information" will mean information, in any form, provided to you by or on
behalf of Chase, that uniquely identifies a current, former or prospective Chase customer.
Customer Information includes, but is not limited to, copies of such information or
materials derived from such information. You agree that the term "Customer
Information" includes "nonpublic personal information" having the meanings set forth in
Section 509 of the Gramm-Leach Bliley Act (P.L 106-1-02) (15 USC Section 6809) and
the implementing regulations thereof. You will comply with all applicable privacy and
data protection laws, rules and regulations which are or which may be applicable to your
performance of this Agreement.
10. You will maintain appropriate physical, electronic and procedural safeguards to store,
dispose of (if applicable) and secure Customer Information to protect it from
unauthorized access, use, disclosure, alteration, loss and destruction. You will control
access to Customer Information and, except as required by law, permit access only to
individuals who need access in connection with the Services provided to Chase and will
cause such individuals to maintain the confidentiality of Customer Information.
11. You are not permitted to communicate with the media or press regarding any matters or
cases handled by Chase, even though the cases and court decisions are a matter of public
record. If the media or press approaches you regarding a Chase case or matter, you must
reply that you are not authorized to issue a statement.
12. You shall not enter into any contract or arrangement with any person, other than an
employee of your firm who contracts with you to furnish labor, material or both in
connection with your obligations under this Agreement ("Subcontractor") whereby such
Subcontractor would have responsibility for providing any of the Services without the
prior written consent of Chase.
13. You expressly acknowledge that your status under this Agreement shall for all purposes
be that of an independent contractor attorney, and not that of an agent, partner, joint
venturer or employee of Chase, including without limitation payment obligations for all
benefits, taxes, impositions, freight charges, customs duties, export-import charges,
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Agreement # 118
value-added taxes or other duties, charges or assessments which any state, county,
municipality or other governmental authority may impose on the Services or otherwise in
connection with the Services, licensed, rendered or delivered under this Agreement, as
well as for any liability associated with the Services which you perform under this
Agreement. You have the sole responsibility to pay all the aforesaid taxes or duties
which any governmental authority may assess. Unless otherwise provided in this
Agreement, you will provide all necessary equipment and related materials, including
specialized equipment, and the like to perform the Services.
14. You acknowledge and agree that this Agreement does not establish an exclusive
relationship between you and Chase and that Chase may contract with any third party law
firm without incurring any liability. Further, upon the written request of Chase, you will
within three (3) business days execute any withdrawal or substitution of counsel motions
or similar motions as required under Applicable Law.
15. You expressly acknowledge that your personnel have not provided any gift, gratuity,
service or other inducement to any Chase employees or to any agency involved in
retaining your Services.
1. FEES
A. Bills submitted to Chase for payment must be done in accordance with the time frames
below:
(i) Foreclosure/Replevin - To be sent to our office on an interim basis during the

foreclosure/replevin process: (i) upon filing of the complaint; and (ii) immediately
upon completion of sale or when the foreclosure/replevin action is interrupted by
a bankruptcy, unless indicated differently on attached Schedules.
(ii) Bankruptcy - Upon completion of each of the applicable Services rendered in

connection with a bankruptcy (i.e., proof of claim has been filed, relief from the
automatic stay has been requested, etc.), a bill must be submitted. All bankruptcy
actions are to be performed per our request. We will only remit payment for
Services that we have requested that your firm perform.
(iii) Litigation - To be submitted on a monthly basis.
(iv) Reinstatement/Payoff- must be submitted when the funds are submitted to our
office. Include the invoice with the Reinstatement/Payoff Funds in the same
package.
(v) Alternatives to Foreclosure - You agree to provide bills upon completion or, if
requested by Chase, within two (2) business days of Chase's request.
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Agreement # 118
(vi) Monitoring First Foreclosures/Estate Claims — Upon filing of the claim or notice
of appearance/answer.
(vii) Within thirty (30) days of conveyance - Final invoice to include eviction and title
policy fees and/or costs.
B. Lump sum billing for total charges is NOT acceptable. For routine matters, please
indicate your fee and itemized disbursements. Invoices on'non-routine matters must
show the task performed, the date the task was performed, the person performing the
task, a breakdown of time, your hourly rate charges and a breakdown of expenses
incurred in connection with the Services performed on behalf of Chase.
C. Invoices for your Services must be sent to Chase preferably within thirty (30) days but a
time frame not to exceed ninety (90) days after rendering of final Services. If such
invoices are not received by Chase within ninety (90) days after rendering of final
Services, you will be conclusively deemed to have waived any right to payment for said
Services. Any prior written approval for charges in excess of allowable rate and hourly
billings must be attached to your invoice for payment. Payment will not be made without
this documentation.
D. The firm will describe in detail the specific Services rendered in the invoices it submits to
Chase and the description will include at a minimum the following information: the
Chase loan number, borrower name and property address for which the Services were
rendered; the date on which the Services were requested by Chase; the name of the Chase
personnel so requesting; and the date and description of the Services rendered.
E. Chase will pay each valid invoice that the firm properly submits to Chase as outlined
above and will do so within thirty (30) days after Chase receives said invoice. In the
event that Chase in good faith disputes all or any portion of any invoice that the firm
submits to Chase, Chase will notify the firm thereof and will specify in such notice the
amount that Chase so disputes and its reason for disputing such amount Chase also will
pay that portion (if any) of any such bills that it does not dispute and will do so within
thirty (30) days after Chase receives the subject invoice. Chase's not paying that portion
(if any) of any invoice that it disputes will not be deemed to be a breach of any agreement
that the firm may have or may have had with Chase .. If and when Chase notifies the firm
of any dispute concerning a bill, the firm will have thirty (30) days in which to submit a
written request to Chase for further review of that invoice and if no such request is
received by Chase within that time frame, the firm will have waived its right to payment
of the disputed funds.
F. In the event that the firm has a properly submitted invoice which has not been satisfied by
Chase within sixty (60) days, the firm will send a copy of said invoice which has been
stamped or labeled as a "copy" to the addresses indicated on the applicable attached
Schedule.
G. Any duplicate payment remitted by Chase must be promptly reimbursed to Chase.

Refunds of duplicate payments are to be sent to the same addresses as duplicate invoices.
Any refunds due Chase shall be remitted in a separate invoice and not netted against any
•Case
Page 7 of 11
Agreement # 118
outstanding charges.
H. If your office receives funds on behalf of Chase (i.e., reinstatements, payoffs, etc.), your
fees should not be deducted from these funds. A final bill for your Services must be sent
to Chase when the funds are sent to our office. For informational purposes only, send a
breakdown of outstanding attorneys' fees to Chase at attyfees@jpmchase.com .
I. If invoices are not received as indicated herein, or if you have not provided us with a
certified IRS Form W-9, it will result in non-payment of your invoices.
J. Billings for advances paid by the attorney on behalf of Chase will include a copy of the
statement of charges, including, but not limited to, the date(s) of service and penalty,
interest, and principal breakdown, and a copy of the check used to pay such charges.
ARTICLE III - INDEMNIFICATION
You agree to indemnify and hold harmless Chase and its affiliates, and their successors and
assigns, and investors, and their respective directors, officers, employees and agents, harmless
from any claims, demands, losses, actions, causes of actions, liabilities, judgments, damages,
penalties, fines, forfeitures and costs, including but not limited to, reasonable attorney's fees and
loss of interest or cost reimbursement from Agencies/insurers or private investors which:
a. arise due to your action, which in any way constitutes a breach of any of
your representations or warranties as set forth in this Agreement;
b. are incurred as a result of the negligence, willful misconduct or breach of

any obligation of you or your personnel under this Agreement, including
but not limited to the obligation to comply with investor or
Agency/Insurer timeframes or Applicable Law;
c. result from a claimed infringement of a copyright, trademark, service

mark, patent or other intellectual property right, by you in performing the
Services under this Agreement; or
d. are for personal injury, general torts (including, but not limited to,
malpractice claims) or property damage incurred as a result of the
negligent or intentional acts under this Agreement of you or your
personnel in handling of individual cases on behalf of Chase, including but
not limited to any failure by you to give proper notice in a foreclosure
action. Should a contested foreclosure action, adversary proceeding in a
bankruptcy, or other claim or litigation be filed as a result of any such
failure by you, at Chase's request, you will take over the defense of Chase,
at your expense, which defense obligation will be in addition to your
obligation to indemnify Chase as described above. Chase specifically
reserves the right to retain litigation counsel of its choice, at your expense,
to defend any such claims or act as co-counsel to you, at its sole option.
• Case 1:11-cv-21039-PCH
Page 8 of 11
Agreement # 118
ARTICLE IV - CHASE PERSONNEL
Where specific Chase employees are referenced in this Agreement, Chase may change the names
of the Chase employees to be included herein upon written notice to you.
ARTICLE V - TERMINATION
Chase may terminate your Services at any time without prior written notice. Chase may advise
you over the telephone and relay the reasons behind its decision at its discretion. This
Agreement in no way constitutes a guarantee for referrals or casework of any kind. Upon
termination, or in the case of a contested foreclosure action which Chase elects to assign to a
different attorney, you agree to properly execute substitution of counsel documents on pending
matters and to immediately forward all Chase Documents, Files and the substitutions of counsel
in accordance with Chase's instructions. In addition, at any time after Chase has terminated your
Services under this Agreement, you shall provide reasonable transitional services to assist Chase
in moving the Services to another provider. To the extent the termination is not as a result of an
uncured breach of the Agreement by you, Chase shall reimburse you for your direct out-of-
pocket costs incurred in connection with the transition services, provided such costs were
incurred with Chase's prior, written approval. If Chase requires a copy of any document relating
in any way to the Services previously rendered by you while this Agreement was in effect, you
will timely provide a copy of such document to Chase at no cost to Chase. Should you refuse to
cooperate with Chase in providing such document or otherwise in providing transitional services,
you will be liable to Chase for any loss Chase incurs resulting therefrom.
ARTICLE VI- MISCELLANEOUS
a. You will not use any "Chase" name, or any abbreviation thereof, or any "Chase" logo, or
any adaptation thereof, in any advertising or trade displays, or for any other commercial purpose,
without Chase's prior written consent.
b. No modification of this Agreement will be effective unless it is in writing and such

writing is signed by authorized representatives of Chase and you. No waiver of any right or
remedy under this Agreement will be effective unless it is in writing and such writing is signed
by an authorized representative of the party to be charged therewith. Notwithstanding anything to
the contrary in this paragraph, Chase reserves the right to unilaterally modify terms and
conditions of this Agreement and any amendments or Exhibits hereto, which relate to policies
and procedures such as company contacts, phone numbers and addresses, reporting formats,
required use of third party service providers, and other such matters upon written notice.
Notwithstanding anything to the contrary contained in this Agreement, any amendment or

Schedules or Exhibits hereto, if any of our standard requirements should contradict a legal
provision or practice custom in the applicable jurisdiction, you will promptly notify us and
provide us evidence of such contradiction, and the applicable requirement will be automatically
deemed modified to the extent necessary to comply with such legal provision or practice custom.
c. Any provision of this Agreement which is prohibited or unenforceable in any jurisdiction

Case Home
• Chase 1:11-cv-21039-PCH
Finance LLC Document 1-2 Entered on FLSD Docket 03/25/2011 Page 57 of
Page 9 of 11
Agreement # 118
will, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability

without invalidating the remaining provisions of this Agreement, and no such prohibition or
unenforceability in any jurisdiction will invalidate such provision in any other jurisdiction.
d. The failure of Chase or you at any time to require performance of the other of any
provision of this Agreement will in no way affect its right thereafter to require performance of
the other of such provision, nor will such failure be held to be a waiver of any succeeding breach
of such provision or a waiver of such provision itself.
e. Neither Chase nor you will be liable for any indirect, special or consequential damages,
even in the event that it is advised of the possibility that such damages may arise, occur or result.
f. Neither Chase nor you will be liable for any failure to perform, or any delay in
performing, its obligations pursuant to this Agreement, that arises out of; is caused by or results
from acts of God or other circumstances that are beyond its reasonable control. In the event that
any such circumstances do arise, occur or result, Chase and you will use reasonable efforts to
overcome them as promptly as practicable.
g. The section headings used in this Agreement are intended for reference purposes only
and will not affect the interpretation of this Agreement.
h. This Agreement will be governed by, and construed in accordance with the laws of the
State of Ohio.
i. You have received, reviewed and understand the Chase Fair Lending Policy Statement, a
copy of which is attached as Exhibit B. You are cognizant of your own obligations under 42
U.S.C. 3601 et seq., 15 U.S.C. 1691 et seq., and other applicable federal, state and local fair
lending and fair housing statutes ("Fair Lending Laws"). You will adhere to the Fair Lending
Laws. You will likewise adhere to Chase's Fair Lending Policy Statement, which statement has
been distributed to all of your employees with responsibility relating to this Agreement. In the
event you detect any incident or activity which constitutes or results in a violation of the Fair
Lending Laws with respect to any matter relating to this Agreement, you will immediately notify
Chase.
j. Chase may assign its rights and obligations under this Agreement, in whole or in part, to
any affiliate; however, Chase agrees to notify you of any such assignment. You may not assign
your rights or obligations under this Agreement, in whole or in part, to any entity without the
prior written consent of Chase.
k. If any provision of this Agreement is declared or found to be illegal, unenforceable or

void, then both parties shall be relieved of all obligations arising under such provision, but only
to the extent that such provision is illegal, unenforceable or void, it being the intent and
agreement of the parties that this Agreement shall be deemed amended by modifying such
provision to the extent necessary to make it legal and enforceable while preserving its intent or,
if that is not possible, by substituting therefor another provision that is legal and enforceable and
achieves the same objective.
' Chase Home Finance LLC
Page 10 of 11
Agreement # 118
I. This Agreement supersedes any prior understandings, written agreements or oral

arrangements between the parties, which concerns the subject matter of this Agreement. Subject
to Section n below, the terms of this Agreement shall govern if there is any conflict between this
Agreement and any other written instrument that concerns or affects the subject matter of this
Agreement.
m. The provisions relating to the following rights and obligations shall survive the
termination, cancellation, expiration or rescission of this Agreement: ownership of work product,
representations and warranties, indemnification, and confidentiality and privacy of Customer
Information. In addition, any provisions relating to the enforcement of any of the surviving
provisions and any remedies available under this Agreement shall also survive.
n. Except as expressly stated in this Agreement, if there exists a conflict between the terms
of this Agreement, as may be amended from time to time, and any exhibit, schedule or
addendum, the terms of the addendum will govern.
o. Except as specifically provided in this Agreement, the rights and remedies provided in
this Agreement and all other rights and remedies available to either party at law or in equity are,
to the extent permitted by law, cumulative and not exclusive of any other right or remedy now or
hereafter available at law or in equity, neither asserting a right or employing a remedy shall
preclude the concurrent assertion of any other right or employment of any other remedy.
p. During the term of this Agreement, including any renewals or extensions, you agree to
provide the Services to Chase as a most favored customer ("MFC"). "MFC" means a
customer(s) of yours who receives terms and conditions (including, without limitation, pricing
terms) that are more favorable than those received by any other similarly situated customer of
yours. To determine whether Chase is an MFC, you will evaluate and compare the following
items with your other customers: (i) the overall quantity of Services Chase acquires from you;
(ii) the total dollar amount Chase spends for Services rendered by you; (iii) the service levels
provided to other customers of similar services; (iv) whether a substantial portion of the Services
acquired by Chase are for a purpose similar to that of another customer; and (v) the per unit cost
of providing a substantial portion of the Services to Chase is within 5% of the per unit cost of
providing similar services to another customer.
q. Throughout the term of this Agreement, you shall maintain a disaster recovery plan and
the capacity to execute such plan, which plan, at a minimum, shall conform to the standards set
by the Federal Financial Institutions Examination Council. Upon request by Chase, you shall
provide Chase with an executive summary of your most current disaster recovery plan and a
detailed description of the disaster recovery plan test results. Upon the occurrence of any
disaster requiring use of your disaster recovery plan, you shall immediately notify Chase in
writing of same, and you shall provide to Chase equal access as your other customers in the
provision of the Services contemplated by this Agreement. If Chase reasonably determines that
you have not or cannot put your disaster recovery plan in place quickly enough to meet Chase's
needs or are otherwise unable to provide equal access to such Services, you shall promptly assist
and support Chase in seeking such Services from an alternative source.
r. The exhibits, schedules and any addendum to this Agreement are fully incorporated into
and constitute a part of the substantive provisions of this Agreement.
•Case
Home Finance 14,C Document 1-2 Entered on FLSD Docket 03/25/2011 Page 59 of
Page 11 of 11
Agreement # 118
ACKNOWLEDGMENT
I, THE UNDERSIGNED, AS A REPRESENTATIVE OF THE FIRM LISTED BELOW, HAVE.

READ AND UNDERSTAND THESE PAGES KNOWN AS THE CHASE HOME FINANCE
LLC ATTORNEY/TRUSTEE AGREEMENT.
orized Signa re
-•■■■
Date 2 21 M (0
Firm Name: David J. Stern, P.A.
Name-Title (C13‘ I k°
Street Address 801 South University Drive, Suite 500
City, State and Zip Code Plantation, FL 33324
Phone Number (954) 233-8000
Fax Number (954) 233-8333
Taxpayer Identification Number (2)-5-0
Agreed to: Chase Home Finance LLC
By
Date
Address: 3415 Vision Drive

118
EXHIBIT B
118
CHASE - ACCOUNTS RECEIVABLE DUE THE LAW OFFICES OF DAVID J. STERN, PA.
Bill 11 Date Matter Code Loan Number Client Client Name Total Billed Total AR Fmacnumber
1011016 11/10/2010 09-25279 13717574 EMC EMC MORTGAGE CORPORATION 125.00 125.00 328610917
438615 6/2/2008 08-31573 15542343 EMC EMC MORTGAGE CORPORATION 1,417.66 20.16 330927744
775566 1/12/2010 08-36287 15698764 EMC EMC MORTGAGE CORPORATION :1,030.27 5.58 330961101
984628 10/27/2010 07-03693 15872427 EMC EMC MORTGAGE CORPORATION (100.00) (100.00) 330992015
410708 3/18/2008 07-96951 16054306 EMC EMC MORTGAGE CORPORATION 1,417.10 710 331063514
551798_1.xls Page 1 of 28
118
CHASE - ACCOUNTS RECEIVABLE DUE THE LAW OFFICES OF DAVID J. STERN, P.A.
Bill # Date Matter Code Loan Number Client Client Name Total Billed Total AR Fmacnumber
1055143 12/29/2010 09-20849 1955558985 BON CHASE HOME FINANCE 85.00 85.00 521297613
294752 10/17/2006 03-05929 7188576 EMC EMC MORTGAGE CORPORATION 825.00 825.00
345523 7/27/2007 06-71342 15415854 EMC EMC MORTGAGE CORPORATION 3,807.36 3,807.36
353737 9/7/2007 07-77938 3627171 EMC EMC MORTGAGE CORPORATION 500:00 500.00
551798_1.xls Page 2 of 28
118
Bill # Date Matter Code Loan Number Client Name

Client Total Billed Total AR Fmacnumber
366028 10/22/2007 06-63279 3571759 EMCT EMC MORTGAGE CORPORATION 500.00 500.00
402545 2/19/2008 06-71344 3591740 Emcr EMC MORTGAGE CORPORATION 1,375.20 1,375.20
405386 2/29/2008 07-C19445 170514424 EMC EMC MORTGAGE CORPORATION 460.00 460.00
437926 5/31/2008 08-C21231 16204364 EMC EMC MORTGAGE' CORPORATION 650.00 650.00
551798_1.xls Page 3 of 28
118
Bill it Date Matter Code Loan Number Client Client Name Total Billed Total AR Fmacnumber
437963 5/31/2008 08-C20172 12066312 EMC EMC MORTGAGE CORPORATION 1,010.00 535.00
438021 5/31/2008 08-C20847 10924405 EMC EMC MORTGAGE CORPORATION 550.00
551798_1.xls Page 4 of 28
118
Bill f# Date Matter Code Loan Number Client Client Name Total Billed Total AR Fmacnumber
438037 5/31/2008.08-C20488 13625231 EMC EMC MORTGAGE CORPORATION 850.00 850.00
438047 5/31/2008 07-C18321 12606760 EMC EMC MORTGAGE CORPORATION 1,195.00 1,195.00
551798_1.xls Page 5 of 28
118
439205 6/4/2008 07-C17791 • 3586922 EMC EMC MORTGAGE CORPORATION 450.00 450.00
551798_1.x Is Page 6 of 28
118
551798_1.xls Page 7 of 28
118
CHASE - ACCOUNTS RECEIVABLE DUE THE LAW OFFICES OF DAVID .1. STERN, P.A.
551798_1.xls Page 8 of 28
118
Bill It Date Matter Code Loan Number Client Client Name Total Billed Total AR Fmacnumber
453047 6/30/2008 07-88658 18087072 EMC EMC MORTGAGE CORPORATION :1,138.00 1,138.00
473167 8/6/2008 07-C17686 3493152 EMC WIC MORTGAGE CORPORATION 475.00 475.00
551798_1.xls Page 9 of 28
118
551798_1.xls Page 10 of 28
118
Bill tt Date Matter Code Loan Number Client Client Name Total Billed Total AR Fmacnumber
473228 8/7/2008 08-C20280 13541420 EMC EiV1C MORTGAGE CORPORATION 550.00 550.00
473230 8/7/2008 08-C20477 7473531 EMC EMC MORTGAGE CORPORATION• 550.00 550.00
5517981.xls Page 11 of 28
118
Bill# Date Matter Code Loan Number Client Client Name Total Billed Total AR Fmacnumber
473262 8/7/200808-C22075 12627675 EMC EMC MORTGAGE CORPORATION 550.00 550.00
473285 8/7/2008 08-C23089 11840667. EMC EMC MORTGAGE CORPORATION 550.00 550.00
473287 8/7/2008 08-C23091 13336862 . EMC EMC MORTGAGE CORPORATION 550.00 550.00
551798_1.xls Page 12 of 28
118
CHASE - ACCOUNTS RtCEIVABLE DUE TI-IE LAW OFFICES OF DAVID J. STERN, P.A.
473678 8/7/2008 07-C17586 13558531 [MC EMC MORTGAGE CORPORATION 907.00 907.00
551798_1.xIs Page 13 of 28
118
481408 8/22/2008 08-52650 EMC EMC MORTGAGE CORPORATION 358.75 358.75
551798_1.xls ' Page 14 of 28

118
510756 10/7/2008 01-66634 2333359 EMCT EMC MORTGAGE CORPORATION 1,161.74 1,161.74
520655 10/22/2008 08-91050 0017950551-900 EMC EMC MORTGAGE CORPORATION 1,050.00 1,050.00
551188 12/24/2008 07-26246 129680005 BON CHASE HOME FINANCE 1,717.20 1,717.20
552360 12/30/2008 08-34219 114441223 BON CHASE HOME FINANCE 300.00 300.00
554262 1/5/2009 08-70212 15434681 EMC' EMC MORTGAGE CORPORATION 1,765.00 1,765.00
551798_1.xls Page 15 of 28
118
617087 4/28/2009 09-24230 128928827 CMMS CHASE MANHATTAN MORTGAGE COR 250.00 250.00
617091 4/28/2009 09-40611 1.00001E+17 BON CHASE HOME FINANCE 450.00 450.00
631578 5/28/2009 09-43310 1.009E+17 CHA CHASE MANHATTAN MORTGAGE COR 250.00 250.00
677023 8/12/2009 09-68005 13481346 EMC EMC MORTGAGE CORPORATION • 2,229.80 15.00
551798_1.xls Page 16 of 28
118
723178 10/23/2009 09-82916 22993406 EMC EMC MORTGAGE CORPORATION 2,002.50 30.00
724208 10/26/2009 09-48331 10392991 CMM CHASE MANHATTAN MORTGAGE COR 250.00 250.00
729216 11/5/2009 08-55758 15638190 EMC EMC MORTGAGE CORPORATION '1,181.93 6.23
551798_1.xls Page 17 of 28
118
CHASE - ACCOUNTS RECEIVABLE DUE THE LAW OFFICES OF DAVID.). STERN, P.A.
Bill it Date Matter Code Loan Number Client Client Name Total Billed Total AR Fmacnumber
825979 3124/2010 08-50584 3822541 EMC EMC MORTGAGE CORPORATION 1,674.40 150.00
834674 4/6/2010 07-21859 3814548 EMCT EMC MORTGAGE CORPORATION 500.00 500.00 .
935100 9/2/2010 10-26271 10271541 BON. CHASE HOME FINANCE 450.00 450.00
946047 9/21/2010 07-98686 8955601 EMC EMC MORTGAGE CORPORATION 1,04030 250.00
551798_1.xls Page 18 of 28
118
Bill # Date Matter Code Loan Number Clien t Client Name Total Billed Total AR Fmacnumber
951076 9/30/2010 10-32449 22642607 EMC EMC MORTGAGE CORPORATION 4,785.50 3,96030
551798_1.xis Page 19 of 28
118
BRIO Date Matter Code Loan Number Client Name

Client Total Billed Total AR Fmacnumber
1054600 12/29/201007-08149 10338704 BON CHASE HOME FINANCE 840.00 840.00
1054637 12/29/201007-74284 23048515 EMC EMC MORTGAGE CORPORATION 100.00 100.00
1054693 12/29/201007-97127 940499948 BON CHASE HOME FINANCE 1,871.70 1,871.70
1054797 12/29/201008-35934 10357923 BON CHASE HOME FINANCE 2,550.50 2,550.50
551798_1.xls Page 20 of 28
118
CHASE - ACCOUNTS RECEIVABLE DUE THE LAW OFFICES OF DAVID .i. STERN, P.A.
551798_1.xls Page 21 of 28
118
CHASE - ACCOUNTS RECEIVABLE DUE THE LAW OFFICES OF DAVID .I. STERN, P.A.
1057039 . 12/31/2010 05-48447 11087335 EMC EMC MORTGAGE CORPORATION 60.70 60.70
551798_1.xIs Page 22 of 28
118
1062887 1/7/2011 04-C15608 245702499 BON CHASE HOME FINANCE 20.00 20.00
551798_1.xls Page 23 of 28
118
551798_1.xls Page 24 of 28
118
Bill It Date Matter Code Loan Number Client Client Name Total Billed Total AR Fmacntimber
1065266 1/7/2011 08-C25093 EMC EMC MORTGAGE CORPORATION 720.00 720.00
5517981.xls Page 25 of 28
118
551798_1.xls Page 26 of 28
118
551798_1.xls Page 27 of 28
118
Bill U Date Matter Code Loan Number Client Client Name Total Billed Total AR Fmacnumber
1111776 2/11/2011 08-81957 12411344 EMC EMC MORTGAGE CORPORATION :1,250.00 1,250.00
1113389 2/14/2011 07-19273 22667778 EMCT - EMC MORTGAGE CORPORATION 35.00 35.00
398,979.95
551798_1.xls Page 28 of 28
118
EXHIBIT C
118
FOUR SEASONS TOWER

15TH FLOOR
TEW .• 'CARDENAS LLP 1441 BRICKHLL AVENUE
A TTO1NEY S AT LAW 1■61M41, FLORIDA 33131-3407
T 305.536.1112
F 305.536.1116
WWW.TEWLAW.COM
Writer's Direct Dial No. (305) 536-8452

Email: jt@tewlaw.com.
February 25, 2011
Email: erin.e.folk©chase.com
Erin E. Spencer
Re: Chase (EMCT, EMC, BON, CHA, CMMS and CMM)

Accounts Receivable Due The Law Offices of David J. Stem, P.A.
Dear Ms. Spencer:
Our firm has been engaged by the The Law Offices of David I. Stern, P.A. ("the law
firm") to collect payment of the outstanding and unpaid invoices for legal fees and expenses
("the invoices") that you owe the law firm.
Attached to this letter is a spread sheet itemizing the unpaid invoices which as of this date
total $398,979.95. We reserve the right to supplement this claim with additional unpaid
invoices. This letter shall serve as the law firm's demand that you pay the invoices upon your
receipt of this letter. If I we have not resolved this claim within fifteen days of the date of this
letter I have been instructed to take appropriate action to collect these invoices. If you have any
questions or wish to discuss this matter please contact me.
Very truly yours,
JT:jab
Enclosure
551365.1
118
984628 10/27/2010 07-03693 15872427 EMC EMC MORTGAGE CORPORATION (100.00) (100.00) 330992015

551798_1.xIs Page 1 of 28
118
1055143 12/29/2010 09-20849 1955558985 BON CHASE HOME FINANCE 85.00 85.00 521297613
551798_1.xIs Page 2 of 28
118
551798_1.xls Page 3 of 28
118
CHASE - ACCOUNTS RECEIVABLE DUE THE LAW OFFICES OF DAVID!. STERN, P.A.
437963 5/31/2008 08-C20172 12066312 EMC EMC MORTGAGE CORPORATION 1,010.00 535.00
551798_1.xls Page 4 of 28
118
551798_1.xls Page 5 of 28
118
CHASE . ACCOUNTS RECEIVABLE DUE THE LAW OFFICES OF DAVID J. STERN, P.A.
5517981.xls Page 6 of 28
118
551798_1.xls Page 7 of 28
118
Bill # Date Matter Code Loan Number Client Client

Name Total Billed Total AR Fmacnumber
440246 6/5/2008 08-C21191 19095157 EMC EMC MORTGAGE CORPORATION • 550.00 550.00
551798_1.xIs Page 8 of 28
118
473163 8/6/2008 07-C17494 • 13385935 EMC EMC MORTGAGE CORPORATION 465.00 465.00
551798_1.xls Page 9 of 28
118
473224 8/7/2008 08-C20164 15558968 EMC . EMC MORTGAGE CORPORATION 550.00 550.00
551798_1.xIs Page 10 of 28
118

551798_1.xls Page 11 of 28
118
CHASE - ACCOUNTS RECEIVABLE DUE THE LAW OFFICES OF DAVID J. STERN, PA.
551798_1.xls Page 12 of 28
118
Bill # Date Matter Code Loan Number Client Client Name Total Billed TotalAR Fmacnumber
551798_1.xls Page 13 of 28
118
481408 8/22/2008 08-52650 EMC EMC MORTGAGE CORPORATION 358.75 358.75
5517981.xls Page 14 of 28
118

520655 10/22/2008 08-91050 0017950551-900 EMC EMC MORTGAGE CORPORATION 1,050.00 1,050.00
554262 1/5/2009 08-70212 15434681 EMC' EMC MORTGAGE CORPORATION 1,765.00 1,765.00
551798_1.xls Page 15 of 28
118
617091 4/28/2009 09-40611 1.00001E+17 BON CHASE HOME FINANCE 450.00 450.00
631578 5/28/2009 09-43310 1.009E+17 CHA CHASE MANHATTAN MORTGAGE COR 250.00 250.00
551798_1.xls Page 16 of 28
118
724208 10/26/2009 09-48331 10392991 CMM CHASE MANHATTAN MORTGAGE COR 250.00 250.00
726207 10/29/2009 09-63038 13720727 EMC EMC MORTGAGE CORPORATION• 385.00 235.00
551798_1.xls Page 17 of 28
118
551798_1.xls Page 18 of 28
118
Bill# Date Matter Code LoanNumber Client Client Name Total Billed Total AR Fmacnumber
551798_1.xls Page 19 of 28
118
CHASE - ACCOUNTS RECEIVABLE DUE THE LAW OFFICES OF DAVID.). STERN, P.A.
Bill IS Date Matter Code Loan Number Client Client Name Total Billed • Total AR Fmacnumber
551798_1.xls Page 20 of 28
118
CHASE - ACCOUNTS RECEIVABLE DUE THE LAW OFFICES OF DAVID 1. STERN, P.A.
551798_1.xls Page 21 of 28
118
12/31/2010 05-48447
1057039 , 11087335 EMC EMC MORTGAGE CORPORATION 60.70 60.70
551798_1.xIs Page 22 of 28
118
1057994 1/4/2011 08-C21984 17864778 EMC EMC MORTGAGE CORPORATION • 100.00 100.00
1062887 1/7/2011 04-C15608 245702499 BON CHASE HOME FINANCE 20.00 20.00
551798_1.xIs Page 23 of 28
118
551798_1.xIs Page 24 of 28
118
1065266 1/7/2011 08-C25093 EMC EMC MORTGAGE CORPORATION 720.00 720.00
551798_1.xls Page 25 of 28
118
551798_1.xls Page 26 of 28
118
551798_1.xls , Page 27 of 28
118
1111752 2/11/2011 06-65162 3780749 EMCT EMC MORTGAGE CORPORATION '1,943.20 1,943.20
398,979.95
551798_1.xIs Page 28 of 28

The Law Offices of David J. Stern, P.A. Plaintiff, v. Chase Home Finance, LLC, Defendant

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The Law Offices of David J. Stern, P.A. Plaintiff, v. Chase Home Finance, LLC, Defendant

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Case 1:11-cv-21039-PCH Document 1-2 Entered on FLSD Docket 03/25/2011 Page 1 of 118

RE: Process Served in Florida

FOR: Chase Home Finance LLC (Domestic State: DE)

IN THE CIRCUIT COURT OF THE 11 TH JUDICIAL CIRCUIT IN AND FOR

THE LAW OFFICES OF DAVID J. STERN, P.A. CASE NO // gO 6/Y-DI

CHASE HOME FINANCE, LLC

THE STATE OF FLORIDA:

Defendant is required to serve written defenses to the Complaint on Plaintiff's attorney:

Matias R. Dorta, Esq.

Si desea responder a la demanda por su cuenta, al mismo tiempo en que presenta su

THE LAW OFFICES OF DAVID J. CHASE HOME FINANCE, LLC

023 - Condominium 095 - Malpractice - Medical

•• 098 - Business Torts

• 103- Negligent Security

127 - Intellectual Property

• • III 128- Libel/Slander

• 114- Non-Homestead Residential Foreclosure

• 115- Non-Homestead Residential Foreclosure

• 116 - Non-Homestead Residential Foreclosure

ev. Clerk's web address: www.miami-dadeclerk.com

COMPLEX BUSINESS COURT

REMEDIES SOUGHT (check all that apply):

NUMBER OF CAUSES OF ACTION: [ 3]

IS THIS CASE A CLASS ACTION LAWSUIT?

HAS NOTICE OF ANY KNOWN RELATED CASE BEEN FILED?

IS JURY TRIAL DEMANDED IN COMPLAINT?

Signature Florida Bar # 770817

Matias R. Dorta /41—

CLK/CT 96 Rev. 12/09 Clerk's web address: www.miami-dadeclerk.com

IN THE CIRCUIT COURT OF THE 11th

THE LAW OFFICES OF DAVID J. STERN, P.A.

JURISDICTION AND VENUE

1. This is an action of excess of $15,000, exclusive of attorney's fees, costs and

interest and within the jurisdiction of this court.

2. Plaintiff, The Law Offices of David J. Stern, PA. ("DJSPA"), is a Florida

corporation with its principal place of business in Plantation, Florida.

3. Defendant, Chase Home Finance, LLC, ("Chase"), is a foreign limited liability

" 4. Chase is subject to jurisdiction in this forum because it operates, conducts,

TEW CARDENAS LLP

5. Venue is proper in Miami-Dade County because Defendant has an office in

Miami-Dade County for the transaction of its customary business.

7. DJSPA realleges paragraphs 1 through 6 as if fully set forth herein.

legal services to Chase. A copy of the contract is attached hereto as Exhibit A.

10. DJSPA was damaged by Chase's breach of contract.

11. DJSPA realleges paragraphs 1 through 6 as if fully set forth herein.

according to the account, attached as Exhibit B.

13. DJSPA realleges paragraphs 1 through 6 as if fully set forth herein.

and Chase did not object to the statement.

DATED: March 14, 2011

TEW CARDENAS LLP

Chase Agreement No. ?Th

ARTICLE II- REIMBURSEMENT FOR SERVICES RENDERED

All invoices must be remitted in accordance with the following:

Chase Home Finance LLC

Chase Home Finance LLC

With a cover letter explaining the enclosure(s).

filing a foreclosure action.

ARTICLE III - FORECLOSURES

F. Adherence to Applicable Law and applicable Agency/Insurer Requirements is mandatory in

H. On all FHA loans:

"Cancelled Sale Reports" must be sent as follows:

5. THE FOLLOWING INFORMATION RELATES TO FHA LOANS:

6. THE FOLLOWING INFORMATION RELATES TO VA LOANS:

VA Servicer Number for CHF, Ohio 255511