February 23, 2011 Jane Doe 20 Any street Any town, NY 10467 Attorney L.L.P. ( Agent for U. . !

an" N. A., U. . #o$e %ortgage& Attorneys At 'aw (ne )un*re* o+* ,-ty .oa*, u-te 13, Any /+a0e, New Yor" 10466 (123& 41627340 5e+ (123& 11126141 Fa6 .e7 U.S. Bank National Association te-n89e-ner F-+e : 1234167 'oan : 34167340123 /re$-ses 2 sa$e Dear -r8%a*a$, ; a$ -n re0e-<t of your +etter *ate* February 27, 2003, an* your re=uest for <ay$ent -n t)e a$ount of >701,474.72 . As t)e A++ege* *ebtor, -.e. JAN? D(? ; a$ *-s<ut-ng t)e sa-* a$ount you 0+a-$ ; owe. 5)e a++ege* *ebt $ay not @a+-* an* as an ent-t+e$ent )o+*er an* $a"or of t)e note ; )a@e a @este* -nterest or 0+a-$ -n sa-* noteA Furt)er, t)-s -s a re=uest for @a+-*at-on of an a++ege* *ebt an* -s not a re=uest for a 0o<y of any -n@o-0e, state$ent, b-++, or anyt)-ng t)at s-$<+y *e+-neates <roof of a**ress. Nor -s -t a re=uest for a 0o<y of any not-f-0at-on of ass-gn$ent, negot-at-on8transfer of r-g)ts agree$ent, a++ege* agree$ent, 0ontra0t, a++ege* 0ontra0t, an* t)e +-"e, nor -s -t a re=uest for a 0o<y of any ot)er un2@er-f-e* *o0u$ent8<resent$ent referen0-ng sa-* a++ege* *ebt. Any an* a++ su0) *o0u$ents w-++ be re=ueste* un*er t)e e0t-on 6 of 5)e .ea+ ?state ett+e$ent an* /ro0e*ures A0t (.? /A& as a B9. to -n0or<orate* -nto an* be $a*e a <art of t)-s @a+-*at-on re=uest. 5)-s re=uest for @a+-*at-on of an a++ege* *ebt -s a re=uest for bona f-*e @er-f-0at-on of t)e <ur<orte* a$ount. ;n a00or*an0e w-t) +aw, on+y sworn aff-*a@-ts, oat)s, an* *e<os-t-ons =ua+-fy as a @er-f-0at-on of t)e +awfu+ e6-sten0e of a bona f-*e *ebt. Absent su0) @er-f-0at-on @a+-*at-ng t)e a++ege* *ebt, an* absent <roof of a 0+a-$ greater t)an t)at of t)e ent-t+e$ent )o+*er. 5o @a+-*ate your 0+a-$s ; a$ re=uest-ng t)e or-g-na+ wet -n" s-gnature <ro$-ssory note t)at ; s-gne* at 0+os-ng absent t)-s t)en -t wou+* not be <resu$<tuous to say t)at your 0o$$un-0at-on Cfa-+s to state a 0+a-$ u<on w)-0) re+-ef 0an be grante*.D 9)erefore, -n a00or*an0e w-t) t)e Fa-r Debt ,o++e0t-on /ra0t-0es A0t, effe0t-@e -$$e*-ate+y u<on AgentEs (Stein, L.L.P.) re0e-<t of t)-s Not-0e by 9r-tten ,o$$un-0at-on, Agent, ass-gns an* )e-rs $ust 0ease a++ 0o++e0t-on8<rose0ut-on efforts aga-nst a++ege* *ebtor, an* a++ege* *ebtorEs se0ure* <r-@ate <ro<erty. Agent -s )ereby not-f-e* of t)e fo++ow-ng /r-@a0y A0t Not-0e7 Privacy Act Notice Page | 1

5)-s wr-tten Not-0e by 9r-tten ,o$$un-0at-on 0onst-tutes Stein, L.L.P Fs (Agent& *ue2<ro0ess not-0e an* o<<ortun-ty to be )ear*. Absent 0o$<+-an0e w-t) a++ re=u-re$ents set fort) )ere-n Agent -s barre* fro$ us-ng any *efense of -$$un-ty fro$ <rose0ut-on for AgentEs a0t-ons, as we++ as t)e a0t-ons of Agents sub2agents. !y t)-s Not-0e !y 9r-tten ,o$$un-0at-on, Stein, L.L.P, as we++ as Stein, L.L.P sub-agents an* <r-n0-<a+s, s)a++ 0o$<+y w-t) t)e <ro@-s-ons of t)e /r-@a0y A0t of 1474, as +awfu++y a$en*e*, 12 U. .,. G 3401, t)e .-g)t to F-nan0-a+ /r-@a0y A0t of 1473, as +awfu++y a$en*e*, 1 U. .,. G 112a, an* t)e 5)-r* /arty u$$ons A0t, s<e0-a+ <ro0e*ures, 26 U. .,. G 7604 as +awfu++y a$en*e*, to ass-st A++ege* Debtor8ent-t+e$ent )o+*er -n "ee<-ng -n@-o+ate 0erta-n 0onst-tut-ona++y <rote0te* <r-@a0y r-g)ts.

5)-s Not-0e !y 9r-tten ,o$$un-0at-on -s b-n*-ng u<on e@ery <r-n0-<a+ an* agent re t)e subHe0t $atter set fort) )ere-n, an* ea0) <r-n0-<a+ an* ea0) agent -s7 (a& barre* fro$ <ro@-*-ng any ,re*-t .e<ort-ng Agen0y any *erogatory 0re*-t -nfor$at-on regar*-ng t)e abo@e a++ege* *ebtA (b& <ro)-b-te* fro$ 0onta0t-ng a++ege* *ebtor by $a-+, by te+e<)one, as we++ as -n <erson, bot) at a++ege* *ebtorEs res-*en0e, as we++ as at a++ege* *ebtorEs <+a0e of e$<+oy$entA an* (0& <ro)-b-te* fro$ 0onta0t-ng any ot)er t)-r* <arty regar*-ng t)e abo@e2referen0e* a++ege* *ebt unt-+ Stein, L.L.P estab+-s)es t)e e6-sten0e of t)e or-g-na+ wet -n" s-gnature <ro$-ssory note an* unt-+ sa-* a++ege* *ebt -s @er-f-e* as -n*-0ate* abo@e an* a++ege* *ebtor -s <ro@-*e* w-t) any su0) @er-f-0at-on. Note7 t)e Fa-r Debt ,o++e0t-on /ra0t-0es A0t at 11 U , G1642 et se=. states -n re+e@ant <art t)at7 CA *ebt 0o++e0tor $ay not use any fa+se, *e0e<t-@e, or $-s+ea*-ng re<resentat-on or $eans -n 0onne0t-on w-t) t)e 0o++e0t-on of any *ebt,D w)-0) -n0+u*es Ct)e fa+se re<resentat-on of t)e 0)ara0ter, or +ega+ status of any *ebt,D as we++ as Ct)e t)reat to ta"e any a0t-on t)at 0annot +ega++y be ta"en,D a++ of w)-0) 0onst-tute @-o+at-ons of +aw. 5)erefore, Agent, as we++ as any ass-gnee, -s <ro)-b-te* fro$ f-+-ng any +awsu-t, not-0e of +-en, not-0e of +e@y, an* t)e +-"e, as we++ as any ot)er +ega+ a0t-on aga-nst a++ege* *ebtor, as we++ as aga-nst any of ?nt-t+e$ent )o+*erEs se0ure* <r-@ate <ro<erty. A++ege* *ebtor )ereby re=uests fro$ Stein, L.L.P., -n a00or*an0e w-t) t)e fun*a$enta+ <r-n0-<a+s of A$er-0an Hur-s<ru*en0e an* +aw, bona f-*e *o0u$entary e@-*en0e t)at estab+-s)es t)e +awfu+ an* or e6<ress, wr-tten aut)or-Iat-on fro$ <r-n0-<a+ U.S. Bank National Association/ U.S. Home ortgage to Stein, L.L.P. to 0o++e0t for an* be t)e-r bonaf-*e *ebt ,o++e0tor as 0o*-f-e* -n 5-t+e 11 FD,/A 1642 11 U. .,. G 1642e(3& states7 C,o$$un-0at-ng or t)reaten-ng to 0o$$un-0ate to any <erson 0re*-t -nfor$at-on w)-0) -s "nown or w)-0) s)ou+* be "nown to be fa+se, -n0+u*-ng t)e fa-+ure to 0o$$un-0ate t)at a *-s<ute* *ebt -s *-s<ute*, -s a @-o+at-on of G 1642e.D 5)e atta0)e* wr-tten 0o$$un-0at-on -s .es<on*entEs res<onse Stein, L.L.P s atte$<t, @-a wr-tten 0o$$un-0at-on, to 0o++e0t an a++ege* *ebt.

Page | 2

JJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJ N-0o+e Kyr-a0ou !"SPA #UAL$%$"& '!$(("N !"#U"S(, ($LA !"#U"S( &$SPU(" )% &"B(

5)-s -s a C=ua+-f-e* wr-tten re=uestD <ursuant to t)e .ea+ ?state ett+e$ent /ro0e*ures A0t, 12 U. .,. G 2601(e&. U. . !an" #o$e %ortgage -s t)e ser@-0er of our $ortgage +oan at t)e abo@e a**ress. ; a$ )ereby re=uest-ng -nfor$at-on about t)e fees, 0osts an* es0row a00ount-ng of t)e abo@e2referen0e* +oan ; *-s<ute t)e a$ount t)at -s owe* a00or*-ng to t)e %ont)+y !-++-ng tate$ent an* re=uest t)at you sen* $e an -te$-Iat-on of t)e fo++ow-ng7 NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT . 5)e -nfor$at-on ; a$ re=uest-ng as <art of t)-s B9. -s as fo++ows7 1. A 0o<y of a++ *o0u$ents e6e0ute* by $e at t)e 0+os-ng of t)-s transa0t-on. 2. 5)e 0urrent -nterest rate. 3. 5)e a*Hust$ent *ates of ea0) -nterest rate a*Hust$ent, w-t) t)e 0orres<on*-ng a*Hust$ent a$ount. 4. 5)e 0urrent )o+*er of t)e $ortgage8*ee* of trust, t)e-r $a-+-ng a**ress for <ro0ess of ser@-0e, a+ong w-t) a 0urrent te+e<)one nu$ber. 1. 5)e 0urrent )o+*er of t)e note, t)e-r $a-+-ng a**ress for <ro0ess of ser@-0e, a+ong w-t) a 0urrent te+e<)one nu$ber. 6. 5)e *ate t)at t)e 0urrent )o+*er a0=u-re* t)-s $ortgage an* fro$ w)o$ -t was a0=u-re* fro$. 7. 5)e *ate your 0o$<any began ser@-0-ng t)e +oan. 3. 5)e <re@-ous ser@-0er of t)e +oan. 4. 5)e $ont)+y <r-n0-<a+ an* -nterest <ay$ents, an* $ont)+y es0row <ay$ents re0e-@e* fro$ t)e *ate of t)e +oanEs 0+os-ng to t)e *ate of t)-s B9..

Page | 3

10. A 0o$<+ete <ay$ent )-story, -n0+u*-ng )ow t)ose <ay$ents were a<<+-e*, -n0+u*-ng t)e a$ounts a<<+-e* to <r-n0-<a+, -nterest, es0row an* ot)er 0)arges. 11. 5)e tota+ a$ount *ue of any un<a-* <r-n0-<a+, -nterest, es0row 0)arges, an* ot)er 0)arges *ue as of t)e *ate of t)-s +etter. /+ease se<arate+y an* -*ent-fy ea0) a$ount *ue. 12. 5)e tota+ a$ount of <r-n0-<a+ <a-* on t)e a00ount u< to t)e *ate of t)-s +etter. 13. 5)e <ay$ent *ates, <ur<oses of <ay$ent an* re0-<-ent of any an* a++ fore0+osure fees an* 0osts t)at )a@e been 0)arge* to $y a00ount. 14. A brea"*own of t)e 0urrent es0row 0)arges s)ow-ng )ow -t -s 0a+0u+ate* an* t)e reasons for any -n0rease w-t)-n t)e +ast twenty2four (24& $ont)s. 11. A brea"*own of any s)ortage, *ef-0-en0y or sur<+us -n our es0row a00ount o@er t)e <ast t)ree years. 16. A brea"*own of a++ 0)arges a00rue* on t)e a00ount s-n0e t)e *ate of 0+os-ng, t)at -n0+u*es, but -s not +-$-te* by, +ate 0)arges, a<<ra-sa+ fees, <ro<erty -ns<e0t-on fees, for0e* <+a0e* -nsuran0e 0)arges, +ega+ fees an* re0o@erab+e 0or<orate a*@an0es. 17. A state$ent -n*-0at-ng w)-0) 0o@enants of t)e $ortgage an*8or note aut)or-Ie ea0) 0)arge. 13. /+ease <ro@-*e a 0o<y of a++ a<<ra-sa+s, <ro<erty -ns<e0t-ons an* r-s" assess$ents 0o$<+ete* for t)-s a00ount. 14. /+ease <ro@-*e a 0o<y of a++ trust agree$ents <erta-n-ng to t)-s a00ount. 20. /+ease <ro@-*e a 0o<y of a++ ser@-0-ng agree$ents ($aster, sub2ser@-0-ng, 0ont-ngen0y, s<e0-a+ty an* ba0"2u<& <erta-n-ng to t)-s a00ount. 21. /+ease <ro@-*e a 0o<y of a++ wr-tten +oss2$-t-gat-on ru+es an* wor"2out <ro0e*ures for t)-s a00ount. 22. /+ease <ro@-*e a 0o<y of a++ $anua+s <erta-n-ng to t)e ser@-0-ng of t)-s a00ount.

Page | 4

23. /+ease <ro@-*e a 0o<y of t)e ' A% 5ransa0t-on #-story .e<ort for t)-s a00ount, an* -n0+u*e a *es0r-<t-on of a++ fee 0o*es. 24. ;f t)-s a00ount -s reg-stere* w-t) %?. , state -ts %;N nu$ber. 21. A state$ent -n*-0at-ng t)e a$ount to <ay t)-s +oan off -n fu++ as of *ate of re0e-<t of t)-s 0orres<on*en0e . ; )ereby *-s<ute a++ +ate fees, 0)arges, -ns<e0t-on fees, <ro<erty a<<ra-sa+ fees, for0e* <+a0e* -nsuran0e 0)arges, +ega+ fees an* 0or<orate a*@an0es 0)arge* to t)-s a00ount. A**-t-ona++y, ; be+-e@e $y a00ount -s -n error an* reser@es t)e r-g)t to a$en* 0)ange an* -n-t-ate a *-s0o@ery <ro0ess by ut-+-I-ng t)e ser@-0es of a <rofess-ona+ forens-0 resear0) 0o$<any to -n@est-gate t)-s furt)er. /ursuant to 12 U. .,. G2601(e& you are )ereby not-f-e* t)at <+a0-ng any negat-@e 0o*-ng on $y 0re*-t re<ort before res<on*-ng to t)-s +etter -s a @-o+at-on of .? /A an* t)e F,.A. Your organ-Iat-on w-++ be subHe0t to 0-@-+ +-ab-+-ty -f negat-@e 0o*-ng a<<ears for t)-s a00ount before a res<onse to t)-s B9. -s <ro@-*e* to $e. /+ease <ro@-*e 0onf-r$at-on t)at you )a@e re0e-@e* t)-s B9. w-t)-n twenty (20& *ays, as re=u-re* un*er 12 U. .,. G 2601(e&. 5)-s -s re=u-re* of as agent for <r-n0-<a+. 5)ereafter, <+ease res<on* to t)ese =uest-ons w-t)-n s-6ty (60& *ays of re0e-<t of t)-s +etter, as a+so re=u-re* by 12 U. .,. G 2601(e&. Lery tru+y yours, JJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJ Jane Doe

Page | 5