1. You are instructed to initiate a foreclosure against the parties named in this referral.

If the title search

indicates different or additional parties, please contact the processor assigned to this case. Wells
Fargo Bank N.A. has elected to partiCipate in both the Fannie Mae and Freddie Mac designated
programs. In the event your office is FNMNFHLMC designated, consider this loan "IN PROGRAM"
and treat it as such.

2. At times you may receive a referral that you are handling another foreclosure acUon relating to the
same property on behalf of us or another entity. If any of the liens are owned by Freddie Mac you
must reject this referral using a close reason of "Freddie Mac Conflict - Dual Referral'.

3. If you are unable to complete Ihe first legal action timely and agency/investor timelines will not be met,
you must advise the foreclosure processor via VendorScape, if possible, of the circumstances
surrounding the delay. You musl file first legal action by the appropriate HUD deadline to avoid an
interest curtailment or no later than 30 days after referral in judicial states and 10 days in non.judicial
states, whichever comes first. We will hold our attorneys responsible for any financial penalty that we Foreclosure mill
incur as the result of avoidable delays on your part.
screws up...they
4, Foreclose In the name of :Wells Fargo Bank, NA. Do not initiate Foreclosure in the name of MERS, eat the fees...
Fannie Mae or Freddie Mac. If title comes up in Fannie Mae or Freddie Mac please prepare an
assignment to Wells Fargo Bank NA If title comes up in the name of MERS and you have Power of
Attorney to sign on behalf of MERS, please prepare, execute and record the assignment from MERS
to Wells Fargo Bank, NA and forward a copy of the executed assignment via VendorScape to the
"Assignment Issues" processor. Upon receipt of the recorded assignment, please forward the original
recorded assignment 10: Default Doc Department MAC X7801·02R 3476 Stateview Boulevard Fort
Mill,SC 29715. If you do /lot have Power of Attorney to sign on behalf of MERS, please prepare and
send the assignment via VendorScape to the "ASSignment Issues" processor for execution. Ignore the name of the
5. Vesting of the foreclosure deed should be taken In the name of: FHLMC. plaintiff (straw party) that's
suing, the property goes
6. The occupancy status is Occupied. This status may be subject to change at any time throughout the
foreclosure action.
to Freddie...the real party
in foreclosure!
7. If title search reveals a 2nd lien held by any Wells Fargo entity, a notice of the first liens foreclosure
must be sent via email toeadefaultnotice@wellsfargo.comandForeciosurenotices@Welisfargo.com.

8. Wells Fargo N.A. requires the foreclosure to be completed by:

<FORECLOSURE_SALE_SCHEDULED_SALE_DATE>

FHLMC
Interesting...is this the total fee
Conventional· No PMI a foreclosure mill gets? Poor
Allowable Fee: $950.00 foreclosure mill.
9. Only approved fees in accordance with FHA, VA, Fannie Mae, and Freddie Mac current schedules will
be paid. The allowable fee for this action is noted above and any charges for more than this fee must
be substantlaled and approved by Wells Fargo Bank, N.A. successor by merger to Wells Fargo Home
Mortgage before their occurrence. If such approval is nol obtained in writing, Wells Fargo Bank, NA
successor by merger to Wells Fargo Home Mortgage will not be liable for the additional charges. This
includes, but is nollimited to, contested and litigation fees associated with the foreclosure action.

So, the foreclosure mill has to eat

all the costs associated with
litigating a file...
 Initiating this legal process will be your commitment 10 complete the foreclosure and send the IiUe
conveyance package to HUDNA, if applicable, for the fee set forth by the appropriate government
agency. In addition, your firm agrees to comply with all provisions of Ihe "Fair Debt Collection
Practices Act" while representing Wells Fargo Bank NA in this matter.

This action must be completed according to the following Wells Fargo Bank, N.A. standards.

1. Accepling the referral via VendorScape CMS is an acknowledgement that your office agrees to abide
by the terms, conditions and procedures outlined in these instructions. It further indicates your finm's
ability to comply with the noted standard and the willingness to reimburse Wells Fargo Bank, NA
successor by merger to Wells Fargo Home Mortgage for any curtailments, penalties or damages
resulting from your firm's non-compliance or lack of diligence in meeting investor foreclosure
timeframes. If you are unwilling to accept these terms as stated, please contact the processor
assigned 10 this case immediately.

2. Foreclosure action is not to exceed the "Investor Compliance" timeline. If this deadline is exceeded , a
chronology is required at Ihe time of sale. In addition, for FHA loans a monthly compliance report will
be forwarded to your office requesting chronologies on the appropriate loans.

3. Wells Fargo Bank, NA requires all events to be reported within 24 hours of its complelion via
VendorScape CMS,

4. If your state requires the original loan documents in order to complete the foreclosure action, they will
be sent to your firm within 3 days of this referral. If they are not received, please infonm the processor
assigned to this case via VendorScape CMS.

5. For FHA loans your office is required to send the HUD Occupancy letter, otherwise known as the HUD
regulatory letter 24 CFR 203.381 (notice to occupant of pending acquisilion). This includes submitting
a copy of said notice to the appropriate HUD field office. In addition, you are required to resend the
notice following delays in the foreclosure process (Bankruptcy, Loss Mitigation, RPP etc .) in
accordance with regulatory compliance.

6. You should preserve the rights 10 pursue a defiCiency in those cases where preserving the rights does
not add additional time or expense to the foreclosure action. In those cases where preserving the
rights 10 pursue a deficiency results in additional time or expense, you should not preserve the rights
unless you receive specific instructions to do so.

7. Sales results must be provided to our office within 24 hours of the foreclosure sale via VendorScape
eMS, Late notification received by your firm can result in you reimbursing Wells Fargo Bank, NA
successor by merger to Wells Fargo Home Mortgage for any penalties enforced by the
Investor/lnsurer.

8. All requests for reinstatement and payoff figures should be sent through VendorScBpe CMS ,

"'After Sale Packages'" must be sent to the address listed below based on loan type.

FHA and VA Post Sale Document Packages:

Wells Fargo Bank, NA
1 Home Campus X2505-028
WOW! WOW! WOW! SO IF
Des Moines, IA 50328 YOU CAN PUSH DELAY, YOU
Fax 515-237~088 VA post sale GET A WAIVER!
Conventional and Private Post Sale Document Packages:
 Wells Fargo Bank, N.A.
7485 New Horizon Way
Frederick, MD
21703-8388
2nd Floor
MAC X3901-023

Please direct all questions regarding this case to the processor assigned,