1. How You Can Help From a Servicers point of view Call the Servicer!!! They Can and Want to Help! We at Us Bank as a Servicer understand that things may become financially difficult for borrowers during the life of the loan. We want to Help. The first step to finding a solution is for them to contact us, their mortgage servicer. Borrowers can then explain their circumstances and their concerns to us. We can then help them to with a solution.

2. Questions for Borrowers  Are you behind in your mortgage payments at this time?  Do you want to keep your home?  Have you recovered from a temporary hardship which caused you to fall behind on your mortgage payments?  Can you afford your regular monthly payments but cannot afford to catch up the amount that is delinquent? We can help with many of these situation, but only if we have the opportunity to work with them.

3. Resolution Options for Borrowers to Retain Home Ownership  Repayment Plan  Loan Modifications  Partial Claim / Home Saver Advantage program  Short Sale  Deed in Lieu As a Servicer, Our Number 1 Goal, is to Keep the Borrower in their Home!! We utilize All Resolution Options available to Retain Home Ownership.

4. DVD “We’d like to help…..” After 90 Days of Delinquency and Numerous attempts to contact the borrower By Phone and by Mail The following 9 minute DVD is sent out to our Mortgage Revenue Bond Program First-Time home buyers.

5. DVD “We’d like to help…..” As you watch this DVD, there are sections that will provide you with insight into what your organizational groups can do to help Servicers and Borrowers connect….