______________________________________________________________________________Robert C. Frey, Loan Modification Consultant

13150 Stewart Ave., * Norwood, MN 55368-9675624 13th Street E., Suite 102, Glencoe, MN 55336

Cell: 612-790-2797; Direct: 952-467-4402; Fax: (TFree)1-866-941-FREY(3739)E-mail: bob.frey@savemyhomeusa.com

Dear Property Owner,

Thank you for requesting the attached information packet. The company is called Save My Home USA. Ican do business Nationwide except Hawaii. The service can be used for Residential 1st, 2nd, 3rd etc.mortgages, Line of Credit, 2nd home, investment properties, and commercial property mortgages. Someof the features that can be modified, depending on circumstances are:

Rate reduction.Changing an ARM to Fixed rate.Changing a short Fixed rate to a longer Fixed rate.Reducing the principle balance (particularly if the home is worth less than the mortgage balance).Eliminating missed payments and penalties.Eliminating short sale amount (selling a house for less than the mortgage amount).Deed in lieu of Foreclosure (Walk away from a property instead of being foreclosed on - keeps Credit intact).Other mortgage related rescues.The company works directly with the Customer during the process with a User name and Password.

We can help anyone from a Current payment status to someone that is up to two weeks of a Sheriff'ssale. There are 45 attorneys in the company that specialize doing just this. They are experts in this fieldand can get the job done right, with nothing left undone to help you.

No charge to pre-qualify. If pre-qualified there is a fixed fee of $2,995.00. Money back guaranteeof reasonable help less $495.00 Audit Fee. 100% back if you change your mind within 72 hours of yourpayment Depending on circumstances, it takes 2 to 5 business days to pre-qualify after I receive yourcompleted faxed packet. Call me when you have faxed your packet, if I can not answer please leave amessage and I will return your call. Since this process is time sensitive, please be sure you can pay thefee if you are pre-qualified, contact me for some suggestions if necessary.

Save My Home USA will never ask you to do anything inappropriate such as telling you not to contactyour lender or asking you to send your mortgage payments to us. Save My Home USA puts all collectedfunds into an escrow account at an FDIC-insured bank. No money will be deducted from the accountunless and until Save My Home USA performs services for you.

To pre-qualify, please be sure to fax (toll free 1-866-941-FREY (3739) the attached completed packetpages along with the items required on the Check List. If your bank has adjusted your loan (re-cast), besure to include copies of these notifications. There is no charge to pre-qualify, but the forms must be fillout completely, legibly, accurately, and accompanied with the requested supporting information.

Call me with questions anytime,

Bob Frey, Loan Modification Consultant

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Borrower Name__________________________ Co-Borrower Name_______________________

Bob Frey, Loan Modification ConsultantCell: 612-790-2797

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ALL forms with every line MUST be completely and legibly filled out fromPage 3 thru 14, and accompanied with ALL the requested copies ofinfromation from the Check List below. Your request will not be processedwithout it. Any line that is not applicable to you, place "NA" in the line. Besure you name is somewhere on every page you fax or submit. Please faxall pages to our Toll Free fax number 1-866-941-FREY (3739).

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