Summit Vo.2.Issue3.Sept

8/7/2019 Summit Vo.2.Issue3.Sept

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S U M M I TS U M M I T

T HE 5TH A NNUAL ATTORNEY SUMMIT

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EE NCOURANCOURA GINGGING PP EA KEA K PP ERFORMANCEERFORMANCE ININ TH ETH E FF IDELITYIDELITY PP AR AR TNERSHTNERSH

T he 5th Annual Attorney Summit, heldthis June in Minneapolis, was marked by record attendance, beautiful golfing weather,and successful entertainment. This year, 550attendees were registered for the conference,

which provided attendees the opportunity tomeet with Fidelity management, clients, andfellow attorneys during the golf tournament,cocktail hour, various presentations, dinner,and the open house at the FNFS office.

The 2006 Attorney Summit Golf Tournament returned to the renownedLegends Golf Course, featuring prizes forlongest drive, longest putt, and closest to thepin. Players were given the opportunity to

win $20,000 for a hole in one on hole #17.No one took home the prize for a hole inone this year, but Frank Olson of McCurdy and Candler LLC made the closest attempt.

This years FNFS presentation coveredtopics such as Fidelity Network Performancein Bankruptcy and Foreclosure, Attorney Performance Reporting, Client Power Rating,EC Purchasing, NewInvoice, NewTrak,NewImage, and ProVest. At the end of the

presentation, Attorney Awards were presenfor Performance Excellence, Service Excelland Rookie of the Year.

The entertainment following the dinnthis year was provided by comedian KeviPollak, who delivered a memorable performa

Those who attended will be glad to know similar entertainment is planned for next

If you were unable to attend this yeamark your calendars for June 13-15, 2007

when the 6th Annual Attorney Summit wreturn to Minneapolis, MN and will be hat the Marriott City Center in the heart of downtown Minneapolis. Register early tosecure your place, as the 2006 conferencesold out in only 45 days, with hotels at maximcapacity by mid-May.

Registration for the next Summit willbegin in spring 2007. Stay tuned for websinformation.

For those who plan ahead, the 7th Annual Attorney Summit in 2008 will maits way to Jacksonville, FL. Further detailbe provided after the 2007 Summit.

F IDELITY INFORMATION

F IDELITY C ONTACTS

AUTOMATIC STAY -R ECENT D EVELOPMENTS

CLIENT /S TAFF PHOTOSEC P URCHASING

MI M ANUFACTUREDH OME P ERFECTION

FNFS A TTORNEY AUDITS

ATTORNEY PERFORMANCEAWARD W INNERS

Q2 I NCENTIVE W INNERS

F IRM SPOTLIGHT :M ANN AND STEVENS

EMPLOYEE SPOTLIGHT :CHRISTINE ANDERSON

TENNESSEE SERVICEMEMBERSC IVIL R ELIEF ACT

F EES AND C OSTS M ODULE

D EPARTMENT SPOTLIGHT :D OCUMENT EXECUTION

EMPLOYEE ANNIVERSARIES

ATTORNEY N EWS

TECHNOLOGY N EWS

PEAK P ERFORMANCEAWARD W INNERS

BY L INDSEY LESCH

September 2006 Volume 2 Iss

IN THIS ISSUE

T H E S U M M I T A publication of Fidelity National Foreclosure Solutions, Inc.

SAVE THE DATE : J UNE 13-15, 2007

Attorney Performance and Golf Tournament Award Winners pictured on pages 10 and 11

Fidelity National Foreclosure Solutions

2006 Attorney SummitFocus on the Future


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F IDELITY INFORMATION

Fidelity National Foreclosure Solutions, Inc. A Division of Fidelity National Default Solut

F idelity National Foreclosure Solutions, Inc. (FNFS)provides loan servicers with single-source solutions formanaging foreclosures, bankruptcies, and related matters ona nationwide basis.

Possessing the expertise to manage diverse loan proceduresand credit types, FNFS helps clients realize consistent pricing for default management services as well as reductions in thecost per loan serviced.

When clients refer a loan to FNFS, we manage and reporton the loan until resolution. The individual requirements of each loan are identified and processed to ensure the mostefficient outcome. Stringentinternal time limits are placedon every important event and

active monitoring is conductedto minimize the overall timeframe.

This loan level data is reportedto Fidelity partners on a daily basis using NewTrak, Fidelitys

web-based default managementtool. NewTrak allows Fidelity and its clients to view status from the lowest level of detailon a case all the way up to an aggregated view of thestatewide and nationwide performance of the vendor. Itprovides unparalleled efficiency by delivering critical case

and management data at the fingertips of vendors, clients,and Fidelity employees.

NewImage Express (NIE) is another collaborative technology product offered by FNFS. NIE assists Fidelity clients and

vendors with the expanding document retention requirementsthey face today. It is a secure, stand-alone scanning anddocument management system that reduces manual servicing requirements by transitioning hard copied documents to anelectronic, indexed format for easy filing, retrieval, and storage.Once information has been transferred to electronic format,

it becomes a more valuable strategic resource. The integraof NewTrak and NIE allows users to manage their files al

with the variety of documents associated with those file

The system offers a secure 128-bit encrypted bidirectionconduit for transmission of documents between FNFS aour clients offices. Stored documents can be viewed, searchand printed worldwide from any computer through a secupassword-authenticated Internet connection. An NIE usercan easily find and send a document created years ago withrummaging through endless filing cabinets, making copiand paying for the postage to mail it.

NewInvoice 5.0 is important tool for themortgage community t

provides the most comp vendor management solutfor B2B electronic invosubmission and processin the industry. NewInvohas made a significantinvestment in enhancing

ability to create, present, and process the many thousandof invoices received daily by clients. Using approved stapricing, NewInvoice has made the invoice approval procfully automated, allowing focus to be limited to exceptio

From referral to invoice, Fidelity National ForeclosurSolutions, Inc. provides unique, money-saving solutions the mortgage community.

F IDELITY S F IVE F UNDAMENTAL PRECEPTS Autonomy and EntrepreneurshipBias for ActionEmployee OwnershipMinimize Bureaucracy Close Customer Relationships

FLORIDA O FFICE601 Riverside Ave.Building 5, 3rd Floor

Jacksonville, FL 32204904.470.7700904.470.7800 fax

M INNESOTA O FFICE1270 Northland DriveSuite 200Mendota Heights, MN 55651.234.3500651.234.3600 fax

The Jacksonville offices of Fidelity National Foreclosure Solutions,

NewTrak, NewImage Express, andNewInvoice relocated to a new office onthe Fidelity corporate campus indowntown Jacksonville this July. Thenew workspace provides a positiveenvironment with additional amenitiesand room for continued growth.


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FNFS M ANAGEMENT

SCOTT B ARNES SVP Operations 904.470.7703LARRY D INGMANN SVP Division Counsel 651.234.3506STEVE GERTHS SVP Business Development 651.234.3504AMES IREDALE SVP MIS and Core Development 904.470.7704

LAURA M ACINTYRE SVP NewInvoice Operations 651.234.3511BARB N ICKEL SVP Controller 651.234.3587DENNIS S TEMMLE SVP Technology Solutions 904.470.7705GREG W HITWORTH President and COO 904.470.7701

VOL . 2 I SSUE 3 THE SUMM

THE SUMMITThe Summit is published quarterly by theCustomer/Attorney Relations Team foremployees, clients, and attorney firms in theFidelity National Foreclosure Solutions partnership

E DITOR Lindsey Lesch

E DITORIAL D IRECTOR Matthew Rogina

VP Customer/Attorney RelationsS TAFF PHOTOGRAPHER

Eric Tate

COVER PHOTOGRAPHER Richard Reynolds

CONTRIBUTING A UTHORS * Joe Kirsch

Bill Meagher June Mann

Thomas G. Tutton Jr.

Do you want to be featured in next quartersissue of The Summit ? We welcome all articles ocomments about your company/firm.** Tell usabout changes, improvements, legislation thataffects you whatever you think will be

interesting to readers of The Summit! Thedeadline for submissions for the next issue isSeptember 15.

We also welcome your photos (digital photossetto the highest resolution are preferred). Sendcomments, photos, and story ideas to:

E-mail : [email protected] : 904.470.7831Fax: 904.470.7800

C ONTACT U S!

CUSTOMER /A TTORNEY R ELATIONSPOLINA BELINSKAYA 904.470.7881SELENA EDWARDS 904.470.7837

K RIS H ARVICK 904.470.7879 J ANE JOHNS 904.470.7766LINDSEY LESCH 904.470.7831DENISE M ARTIN 904.470.7863M ATTHEW R OGINA 904.470.7731K ATHERINE ZORN 651.234.3723

[email protected]

N EW T RAK [email protected]

N EWIMAGE E [email protected]

[email protected]@fnfs.net

N [email protected]

* The opinions expressed by contributing authors are those of the authors and do notnecessarily reflect the opinions of Fidelity National Foreclosure Solutions.

**Fidelity reserves the right to edit submissions for space constra


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S U MTHEF IDELITY N ATIONAL F ORECLOSURE SOLUTIONS , I NC .

Step Two- Determine if the case was filed ingood faith as required by Subsection 362(c)(3)(BStep Three- Determine the parameters fordetermining good faith and the related burdensof proof and presumptions.

Step Four- Determine the criteria for determininggood faith.

The court found that when the case ispresumed to have not been filed in goofaith that the burden of proof is by clear and convincing evidence, a muchstronger burden than the previous standarpreponderance of the evidence burden

The court also found that it can find lack ofgood faith pertaining to an individualcreditor in the case while finding good

faith as to the rest of the creditors. This allows thecourt to refuse to extend or impose the stay for anindividual creditor while allowing the extension of thstay for all others.

The practical application of this is that a Creditor will have a much better chance of prevailing when theobject to these motions if the case is presumed to have notbeen filed in good faith under Subsection 362 (c)(3)(C)of the Bankruptcy Code. What good faith means

varies from jurisdiction to jurisdiction. Each localcounsel is in the best position tohelp make that determination.

By now, all creditors have seen numerous motions inone form or the other requesting the court toextend or impose the automatic stay in situations

where a debtor has filed multiple cases. Upon receipt of one of these motions, a creditor must decide if they

want to object to the motion. In most cases, if the creditorchooses not to object, these motions are routinely granted and the debtor gets the benefit of the automaticstay, which otherwise may not have beenavailable. Many courts will routinely extend or impose this stay for the life of the plan.

A recent case styled In re: EarlMasuca entered by a Bankruptcy Courtin the Northern District of Alabama,Southern Division, (not published as of yet) addressed many of the complicatedlegal issues involved when a request to impose orextend the automatic stay is filed and objected to by acreditor in the case. In this particular case, the debtorhad filed several prior cases. Motions to lift the automaticstay had been filed in each of these cases on behalf of the mortgage creditor. The debtor filed a Motion toExtend Stay or, in the alternative, Motion to ImposeStay. This motion was timely objected to by the mortgagecreditor, a hearing was held and the court entered a four-

teen page opinion setting out all of the legal issuesinvolved with such a motion and objection. The court found that there were four steps to

determine whether to extend a stay pursuant to section362(c)(3) of the Bankruptcy Code:

Step One- Determine if there was in fact a limitationof the stay under Subsection 362(c)(3)(A ) whenthe case was filed.

T HOMAS G. T UTTON JR . i s theManaging Partner for ConsumerBankruptcy at Sirote & Permutt, P.C.in Birmingham, Alabama.

WHEN SHOULD A CREDITOR OBJECT TO A MOTION TO EXTEND

OR IMPOSE THE AUTOMATIC STAY - RECENT CASE DEVELOPMENTby Thomas G. Tutten, Jr.SIROTE & PERMUTT, P.C.

M ANY COURTS WILLROUTINELY EXTEND OR

IMPOSE THIS STAY FOR

THE LIFE OF THE PLAN .


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M I T VOL . 2 I SSUE 3 THE SUMMCLIENT SPOTLIGHT : H OMECOMINGS

FNFS MN S OFTBALL

When the FNFS Minnesota Information Technology

nd Operations co-rec league softball teams werecheduled to play against one another this summer,he FNFS activities committee sponsored a picnic athe park on the day of the game. After the picnic,veryone filled the bleachers at the softball diamondo watch the game. Fidelity IT put forth a competitiveeam effort but, in the end, Fidelity Ops celebrated a

victory and holds bragging rights along with their trophy.

PAM AND ERSON ( NEW INVOICE ) N ATE M ILLER (O PS )

J IM M ORRIS (O PS)

JULIE C OON

F RANK C OONJAIME G OVER (OPS TEAM CAPTAIN )

K IM W ESTPHAL (IT)

CARRIE C URRAN (O PS )

M ARK C ARDENASMALINDA CC ARDARD EE NN AAS

Photo by Ron Stuart

Photo by Ron Stuart

Photo by John Cody

hoto by John Cody

by Ron Stuart

H OMECOMINGS BK T EAM H OMECOMINGS FC T EAML TO R ) Christine Freeman, Jennifer Galvin, Penny Ottman, Pat Gibson, Nicki Butler,isa Dahl, Monica Gonzalez.

B ACK ( L TO R ) Mike Dacey, Stacey Minear, Erin Vaughn, Tony WolfingerFRONT ( L TO R ) Brandi Smith, Monica Cervantes.

CLIENT /S TAFF PHOTOS


6/206 www.ecpurchasing.com 888.387.0223

F IDELITY N ATIONAL F ORECLOSURE SOLUTIONS , I NC .

W elcome to EC Purchasing, partof Fidelity National Financialsfamily of companies. We startedour business in 1999 to allow FNF customersto benefit from national account prices thatare traditionally only available to Americaslargest organizations. As we embark on oursixth anniversary in business, were proudthat more than 20,000 businesses haveimproved their profitability by enjoying Fidelitys discounts on office supplies,overnight shipping, wireless, copiers, faxmachines, scanners, conference calling, and more!

As a Fortune 500 company, FNF has negotiatedsignificantly discounted prices available to a select few organizations. By helping our customers link toFNFs buying power, EC Purchasing will reduce yourexpenses and increase your profits with no cost, norisk, and no investment. Its one more way we can add

value to our business relationship with you.

If youre only using the EC Purchasing program forFedEx or UPS shipping, youll be amazed at the numberof additional product and service discounts that areavailable to you. We are constantly adding to the list of companies that provide 20%-50% discounts to ourmembers. We encourage our members to review our

web site, and call often to make certain they are alwaysbenefiting from all savings possibilities.

W HY ARE W E O FFERING YOU D ISCOUNTS ?

C OMPLIMENTARY C OST C OMPARISON

Joining the EC Purchasing program is fast andsimple. Just follow these three easy steps:

1. Log on to www.ecpurchasing.com and click onSign Up Here.2. Complete the application, providing contactinformation for your sponsor.3. EC Purchasing will contact you with your password.

To best understand the value of EC Purchasing, ask one of our account executives to provide you with acomplimentary cost comparison. Just send us invoicesof what you are currently spending for office supplies,copiers, computers, overnight shipping, and more. Ouraccount executives will provide you with an exactcomparison identifying the percentage savings andanticipated annual savings.

STEVE M IZESEC P URCHASING PRESIDENT

H OW TO BECOME A M EMBER

MORE NATIONAL VENDORS PARTNER WITH EC P URCHASING

EC Purchasing has negotiated significant discount pricing with national vendors for office supplies, computers, copiers wireless communications, temporary labor, and overnight shipping (examples shown below). Sign up for FREE antake advantage of tremendous savings!

EC Purchasings complimentary cost comparisons often find savings20, 30 or even 50 percent for customers.


7/20 www.ecpurchasing.com 888.387.0223

VOL . 2 I SSUE 3 THE SUMMIT

EC Purchasing has proven to be a wonderful resource to Holland& Knight (the countrys 11th largest law firm with offices throughoutthe U.S.). We have worked with their account executives to exploresavings opportunities in office supplies, overnight delivery, copiers, ITequipment, wireless service, and more. With EC Purchasing, we areable to enjoy volume discounts without being locked into exclusive agreements or minimumpurchase commitments. I highly recommendEC Purchasing.

D IRECTOR OF H UMAN R ESOURCES ,H OLLAND & K NIGHTAndy Petterson

With more than 300 attorneys, Winstead Sechrest & Minick P.C.is among the largest business law firms in Texas. The Firms size is anasset to our clients, but it presents challenges in effectively managing costs which impact our clients success. Winsteads business relationship

with EC Purchasing, and Fidelitys leasing group, FNF Capital,provides a deeper discount for the Firms fleetof more than 35 Canon High Speed/High

Volume multifunction copiers than leasing directly from a vendor.

D IRECTOR OF OFFICE SERVICES , WINSTEAD , SECHRIST & M INICK , P.C.Gary Glahn

T ECHNOLOGY P RODUCTS

WHAT

OUR

CUSTOMERS

SAY

R EDUCE O FFICE SUPPLY C OSTS

DARE TO COMPARE :W ILL ANALYZE YOUR COSTS TO Q UANTIFY SAVING

E C Purchasing launched its business by offering member discounts on overnight shipping, but weveexpanded considerably since then. Although you canstill enjoy significant savings on FedEx and UPS shipments,take a look at the wide variety of discounts offered throughEC Purchasing on other products and services:

Members may purchase HP and Dell equipment fromthe manufacturer directly from a preferred pricing link posted on the EC Purchasing web site. For custom ITProducts such as servers, scanners, networked printers,and more, please call our preferred value added reseller,

JDMI infrastructure.

If the cost of paper, pens, tape, files and other officesupplies is taking a huge bite out of your budget, itstime to look at the discounts EC Purchasing could offeryou through Office Depot and Staples. EC Purchasing consultants can quickly develop a complimentary analysisshowing you a side-by-side comparison of your currentcosts versus the discounted pricing you could enjoy through EC Purchasing.


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THE

F IDELITY N ATIONAL F ORECLOSURE SOLUTIONS , I NC . S U M

now fully empowered to issue the key governing opinions onmanufactured home perfection in Michigan.

Judicial ApplicationIn re Oswalt

In re Oswalt, 444 F3d 524 (6th Circ. 2006), presented the SixthCircuit with the manufactured home security perfection issue inthe bankruptcy context for the first time since the post- Kroskielegislative amendment. The Court opined that the most recentlegislative amendment to the MHCA applies retroactively. TheCourt interpreted the legislative intent as being to clarify thepre-Krsokie version of the MHCA and to resolve the controversy about perfection created by the Kroskie decision.

MERS v. Pickrell The ongoing perfection debate was quickly putto rest in the state court context following theIn re Oswalt decision. In Mortgage Electronic RegistratSystems v. Pickrell, et al., __ Mich App __ (2006), the

Michigan Court of Appeals held that a security interest in a manufactured home affixed to realproperty prior to July 14, 2003 could be perfectedthrough the recording of a mortgage. The Courtdetermined that the legislative intent was toallow such liens to be perfected according to

real property law. The Court concluded that the security interestin the affixed manufactured home was perfected with the recording of the mortgage that encumbered both the real property and allfixtures, despite not having a secured interest reflected on thecertificate of title to the manufactured home.

Summary

The two cases above offer much needed judicial support to theevolving legislation in the State of Michigan on the manufacturedhome issue. While additional challengesmay arise, the intent of the legislature, withthe support and clarification of the judiciary,offers much needed assistance to lenders

with manufactured homes in Michigan.

Legislative action and judicial application have finally clarified what was previously a perplexing issue in the State of Michigan.In short, a security interest in a manufactured home affixed toreal property can now be perfected through the recording of amortgage. It took several years of various challenges, legislativeinvolvement, and ultimately judicial interpretation to get to

where we are today. A historical review is warranted in order tofully understand the significance of this development inMichigan law.

In re Kroskie Prior to July 14, 2003, there was no mechanism in Michigan toconvert a manufactured home to real property. In fact, theSixth Circuit Court of Appeals ruled in In re Kroskie , 315 F.3d644 (6th Cir. 2003) that the only manner in

which to perfect a secured interest in a manu-factured home under the Mobile HomeCommission Act, MCL 125.2301et seq.(MHCA),

was to place the lenders security interest on the

manufactured homes certificate of title.Legislative Action

The Kroskie decision created chaos in the Michiganmanufactured home financing market. In responseto the chaos, the Michigan legislature enactedPublic Act 44 of 2003 on July 14, 2003. Public Act 44 amendedthe MHCA to add a statutory mechanism for conversion of manufactured homes to real property through the recording of an affidavit of affixture.

While the intent of the legislature may have been clear, the languageof the legislation caused more confusion than it resolved. In

the years following the initial legislative response toIn re Kroskie,additional challenges and litigation ensued. The litigants andcourts were particularly interested in whether the new legislation

was to be given retroactive effect and whether it was sufficientto allow perfection through standard real property methods.

The Michigan legislature took action in response to theongoing turmoil. On October 4, 2005, the MHCA was onceagain amended. The most recent amendment unequivocally established that the legislation was retroactive and that perfectionof a security interest in a manufactured home affixed to the realty could be accomplished through the recording of a mortgage.

With the recent statutory amendment, the appellate courts were

M ICHIGAN : M ANUFACTURED H OME PERFECTION C LARIFICATIONby Bill Meagher TROTT AND TROTT, P.C.

BILL MEAGHER is the supervising Attorney of the Litigation Department, as well as a partner,at Trott and Trott, P.C..

T HE COURT DETERMINEDTHAT THE LEGISLATIVE

INTENTWAS TO ALLOWSUCH LIENS TO BE

PERFECTED ACCORDINGTO REAL PROPERTY LAW .


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Since 2005, FNFS Operations has been conducting randomaudits of core stage information entered into NewTrak by Fidelity Network Attorneys. The purpose of that effort is tomaintain the reliability of the Attorney Performance Report(APR) program. This is accomplished by ensuring that allfirms are following the stage reporting requirements for theirstate outlined by FNFS Operations in the NewTrak StageExpectations document.

In 2006, the FNFS Quality Assurance Department, managedby Jennifer Anthony, re-vamped theexisting audit process in order to increasethe random sampling, provide improvedreporting information back to FNFS SeniorManagement, and to improve the feedback provided to Network firms concerning their audit results. A former FNFSForeclosure Manager who also managedthe Sales Audit team within the company,

Jennifer is well-versed in the timeline

compliance needs and APR StageExpectations requirements necessary fora successful APR Audit program.

Each month, the Quality Assuranceteam randomly selects several states toaudit. Once a state is selected, every firmin that state is audited at the same time.

The initial audit contains a random sampleof all core stages scored in the foreclosureand bankruptcy processes: First Legal,Service Complete, Judgment Entered, MFR Filed, and Hearing Date. Once the random audit sampling of loans is determined, anaudit process in NewTrak will launch for the firms to acknowledge

the audit. In order to complete the audit, firms are required touse NewImage Express to upload satisfactory evidence (such asthe filed, stamped copy of a court document) that the date they entered in NewTrak for stage completion is accurate. The specificevidence required for each stage was agreed to by the firmspracticing in each state, and is outlined in the NewTrak StageExpectations document. Firms have a maximum of 14 days toupload these supporting documents.

Once audits are completed, notification is sent to thefirms via e-mail indicating the results of their audit. If a firmpasses the initial or Primary audit, a letter is sent stating thatthe firm has passed their audit and the audit is complete. If

any loans fail during the Primary audit, the Quality Assuranceteam conducts a Secondary audit with a larger sample of filesfor each failed stage. If a firm fails the Primary audit but thenpasses the Secondary audit, a letter is sent stating what filesfailed the initial audit, that those files have been corrected, thatthey have passed the second audit, and their audit is now complete.

If, however, a firm fails the Secondary audit, they areexpected to conduct an internal audit of the stages whichfailed and to make all necessary corrections to their stage

information. Fidelity provides the listing of all files that are currently within the

APR for this internal audit by the firmand the firm has 30 days to complete allcorrective action. After 30 days, Fidelity

will conduct another Final random auditto ensure compliance by the firm and toreview the percentage of events thatrequired correction. Failure to achieve apassing audit from this Final sampling

will result in consequences up to andincluding removal from the APR scorecardsystem and notification of audit resultsto clients.

The Quality Assurance team is pleasedto report a very positive trend in all auditsperformed to date. While a handful of firms have failed their primary or sec-ondary audit, it has been determinedthat in most cases the failures were not

the results of false information which would have improvedthe timelines represented in the APR. Instead, most of thesefirms were found to have populated dates later than when

the stages were actually completed, resulting in negatively impacted timelines for the firm! Bringing these types of examples to everyones attention has allowed firms to makecorrections which reflect their true performance.

As the APR Audits continue, please be sure that your firmis in compliance with the NewTrak Stage Expectations document(available by contacting your designated FNFS State Representativeor Supervisor). The Attorney Performance Report (APR) isan important reference tool for firms, for clients and forFidelity, and the Quality Assurance team appreciates yourassistance in protecting its integrity.

F NFS APR R ANDOM AUDIT PROGRAMby Jennifer Anthony and Lynn McNamee

M I T

R EASONS A FILE COULD FAIL AN AUDIT INCLUDE :Date Fail : The date entered in NewTrak by the firm does not match the supporting document scanned into NewImageExpress (NIE).Incorrect Document: The documentscanned into NIE does not support thestage audit.Date Stamp Illegible : The supporting document scanned into NIE has anunreadable stamp or date entry or isotherwise unusable.

Audit Timeframe Expired : The proof of documentation for the stage audit wasnot scanned into NIE within the allowabletimeframe of 14 days.


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2005-2006 A TTY PERFORMANCE AWARDS2005 P ERFORMANCE EXCELLENCE - BANKRUPTCY

Reiner, Reiner & Bendett (CT)Robinson Tait (WA)

2005 P ERFORMANCE EXCELLENCE - F ORECLOSURE

Manley Deas Kochalski (OH)Potestivo & Associates (MI)

2005 S ERVICE EXCELLENCE - BANKRUPTCCodilis & Associates (IL)

2005 S ERVICE EXCELLENCE - F ORECLOSUHughes Watters Askanase (TX)

2005 R OOKIE OF THE YEAR Shapiro & Kirsch (TN)

We are honored to receive the 2005/2006 Service Excellence Award! Theaward was certainly a morale booster for our employees.

- C AROLYN T AYLOR , Hughes Watters Askanase

CODILIS & A SSOCIATES H UGHES WATTERS ASKANASE SH APIRO & K IRSCH

R OBINSON TAIT POTESTIVO & A SSOCIA TES

R EINER , R EINER & B ENDETT M ANLEY D EAS KOCHALSKI

R OBINSON TAIT : (L TO R ) Nicole Krause, JenniferCastleton, Jennifer Tait, John Edmundson,Sydney Robinson and Tammy Buechler

BACK (LTO R ) B.J. Maley(Bankruptcy Supervising Attorney), Pam Fotino (Bankruptcy Manager),Jaycy Varghese (Bankruptcy Supervisor).FRONT (L TO R ) Trish Zannelli and Sue Trudo.

R EINER , R EINER & B ENDETT : (L TO R ) Anna Allard (bk paralegal), Kathleen T. Madigan(attorney at law), Randall S. McHugh (partner& managing bankruptcy attorney), Patti AnnLipinski (bk paralegal), Anna Gordon (bk paralegal).

M ANLEY , D EAS K OCHALSKI :BACK (L TO R ) Thayer Horton (Service Mgr.), BrianHuggins (Cuyahoga County Mgr.), Michele Brown(Cuyahoga County Judgment), Liz John (CuyahogaCounty Admin), Kim Milosevich (Judgment Mgr.),

Jen Jordan (Sale Mgr.), Karissa Mirtallo (FirstLegal Mgr.)FRONT (L TO R ) Heather Burdick (Cuyahoga County Complaints, Ed Kochalski (Partner),Kelly Breckner(Cuyahoga County Judgment).

POTESTIVO & A SSOCIATES :BACK (L TO R ) Angel Stach, Susan Kania, JamieParavano, Amy Angelo, Brandon Evans, Jackie

Taylor, Shevon Elam, Rachel Jury, Erica Bryant,Brian Kendall, Karly McCallum.M IDDLE (L TO R )Pam Smith, Christina Barberi,Pauline VanDamme, Brian Potestivo, JocelynFloyd, Karen Zeock, Trina Warren, Heather Christel.FRONT (L TO R ) Angela Veda, Megan Schwarze,Holly Eason, Susan Brown, Lauren Kush,Charlotte Haack.

BACK (L TO R ) Jeremy Lipford, Sharon FewDenise Griffin, Ginny Miller, Mary Anne F RONT (L TO R ) Ashley Woods, Joe KirsDJ Blumer.



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AR Mickel Law FirmFL David J. Stern, PAIL Codilis and Associates, PCIL Freedman,Anselmo,Lindberg & Rappe

IL Kluever and PlattLA The Boles Law FirmMA Korde and AssociatesNH Harmon Law Offices, PCNJ Fein, Such, Kahn & ShepardNJ Zucker, Goldberg & AckermanNY Shapiro & DiCaro

OR Shapiro & Sutherland, LLCPA Goldbeck McCafferty & McKePA McCabe Weisberg PA Shapiro & Kreisman

SC Roger, Townsend, and ThomasSC Weston Adams Law Firm TN Shapiro & Kirsch VA Friedman and MacFadyen VA Shapiro & Burson VA Sykes, Bourdon, Ahern & L

Q2 - 2006 W INNERSBANKRUPTCY

AL Scott J. Humphrey AR Mickel Law Firm, PA

CO Aronowitz & Ford, LLPIA Belin, Harris, Lamson & McCormicIN Bleecker Brodey and AndrewsMA Korde & AssociatesMN Usset & Weingarden, PLLPMS Adams & Edens PAMS Shapiro & Massey NC Shapiro & IngleNC Morris, Schneider & Prior, LLCNY Jonathan D. PincusOH Manley Deas & KochalskiOH Shapiro & Felty OH (Cuyahoga County) Manley Deas & KochalskiOR Shapiro & Sutherland, LLCPA Shapiro & KreismanSC Finkel Law Firm, LLC

TN Apperson, Crumo, Duzane & Maxwell PLC VA Shapiro & Burson WI Vollmar and Huismann, S.C.

Q2 - 2006 W INNERSFORECLOSURE

Each quarter, FNFS distributes financial incentive awardsto the top ten performing firms in Foreclosu re andBankruptcy in the form of $20 per billable file, w ith thenext ten firms receiving $10 per billable file. To dateFNFS distributed over $275,000 to top performing firmsas quarterly incentive payouts.

APR I NCENTIVE W INNERS

2006 A TTY SUMMIT G OLF TOURNAMENT

I received yesterday the letter and check regarding the Bankruptcy Incentive Award.I am very proud of the work that my staff has done to get to this point. We arestriving to be in the top 10 nationwide. I fully understand that you do not need togive out the incentive awards. I am very appreciated of this and in my way havetried to use your incentive to create an incentive for my staff. We are going to usethe check to create a "lunch" fund to buy bagels, pizza and other foods.

- Steven C. Lindberg, FREEDMAN , ANSELMO, LINDBERG & R APPE

(left) Lisa Cinquegrani (BK Manager) and Steven Lindberg.

(LEFT ): Selena Edwards(FNFS) at Hole 17,

where a Hole in Onecould have won $20,000. There were no Hole inOne winners this year.Better luck next year!

(R IGHT ): The team with the lowest score(L to R):Mike Arnovitz,Gerald Shapiro,Clay Cornett,and Ernie Codilis.



12/20

DIANA S TEVENS , SCOTT B ARNES(FNFS), and JUNE M ANN (l to r)at the 2005 Attorney Summit,

where Mann & Stevens received aService Excellence Award.

2

S U MTHEF IDELITY N ATIONAL F ORECLOSURE SOLUTIONS , I NC .F IRM SPOTLIGHT : M ANN & S TEVENS , P.C.by June Mann

M ANN & S TEVENS , P.C.

Thinking outside the box, along with a strong commitment to quality service from loyal employees

has helped Mann & Stevens, P.C. to effectively andefficiently represent its clients since 1996. Mann &Stevens is based in Houston and provides services tothe mortgage banking industry throughout the state of

Texas. Its current shareholders, JuneMann and Diana Stevens, met while in law school, and each have more than 20 years of experience representing mortgage companiesand financial institutions in consumer andbusiness bankruptcy, foreclosure, eviction,probate and litigation matters.

Partnered with Fidelity and itspredecessor since the inception of thefirm, Mann & Stevens has grown andcontinues to prosper as Fidelity has expanded in orderto meet its clients needs. June and Diana have attendedthe Fidelity Summit each year since its inception, andhave taken an active role in Fidelitys programs asspeakers and productive participants. Mann & Stevenscurrently employs eight attorneys and over 30 staff members. The firm is dedicated to pursuing the mosteconomical and adept solutions to ensure that their clientsissues are handled expeditiously and in a professionalmanner. Additionally, the staff at Mann & Stevens is

well versed and trained in the many complex issues thatface the mortgage banking industry and the firm isproud to state that someone will always be there tosolve any last minute issues that may arise.

Junes specialty is the representation of mortgagecompanies and financial institutions in consumer,business, and Chapter 11 bankruptcies, and Dianasmain focus is in the areas of foreclosure, eviction,probate and litigation. Additionally, two of the firms

valued employees, Stacy Borgfeldt, the ForeclosureManager, and Thomas Delaney, the Title Manager, haveboth been with the firm since its inception and work

with many other longtime employees to resolve issues on adaily basis.

June and Diana take a very personalinterest in their firm and the cases thatthe firm is handling; clients may reachthem directly at any time to discussproblem files. This hands-on philosophy has helped to create a solid andknowledgeable firm that is able to solveproblems aggressively and proficiently.

Although each department at the firmhas its own employees and managers, June and Dianapromote teamwork. When the going gets tough, it iscommon for the firm to draw upon all of its internalresources and talent to deliver the highest standards of service to their clients. This can-do attitude has helpedMann & Stevens attain the level of success it enjoys today.

J UNE AND D IANA TAKEA VERY PERSONALINTEREST IN THEIR

FIRM AND THE CASESTHAT THE FIRM

IS HANDLING ...

Mann and Stevens, P.C. earns this quarters Firm Spotlight for their consistent performance, according to the Fidelity APR,in both Bankruptcy and Foreclosure in Texas.


13/20

M I T VOL . 2 I SSUE 3 THE SUMME MPLOYEE SPOTLIGHT : C HRISTINE A NDERSON

E very office has that one person who inexplicably brightensfaces and lightens the mood. In FNFS Minnesotaoffice, that person is Christine Anderson. With her goodhumored pranks and spunky attitude, Chris has earned areputation as the office jokester. However, her charms arenot limited to humor alone. In work and in play, Chris is

willing to take on any challenge, especially those involving the outdoors. Whether its snowmobiling or Walleye fishing,this native of the Midwest has a new take on what it is to bean all-American Mom.

Chris started with Fidelity in the fall of 2002 as a Customer Service Supervisor.

At that time, her team handled referrals, feesand costs, payoffs and reinstatements,judgment figures, and bids. With the numerousresponsibilities she was undertaking, Christine

maintained the philosophy that you haveto have some humor in this stressful industry.Even when shes juggling work responsibilitiesand motherhood, Chris remembers that its the littlethings that can add to your day like finding just the rightcowbell to ring when her team resolves a problem file.Like Christopher Walken and Will Ferrell in their famousSNL skit, Chris teams always need more cowbell!

Christine has worked in many different areas of thecompany. First as Customer Service Supervisor whereshe was later promoted to Manager. Shortly thereafter she

was transferred to a Foreclosure Manager. She then becamea Special Assets Manager and was recently promoted toan Assistant Vice President on the Special Assets team.Motivated by a challenge, Chris thrives in this environment

where performance is measured by timelines. As she says,Its motivating to be able to measure your results andalways strive for more raise the bar.

One of Christines favorite things about FNFS ishow innovative everyone is. It didnt take long for her

to notice that everyone is excited about new ideas andchange. This creative thinking is a perfect fit for Christine,

who, as the youngest of nine children, was forced to useher brains to combat her older siblings. Never one to physically harm others, seven-year-old Christine once placed sheetsof butcher paper (a coloring-time staple in her house)under an older sisters mattress when she was picked on.

When this sister, who was a very light sleeper, tried to getcomfortable in her bed, her mattress crinkled and crunched

all night long. While Christines antics may show her

mischievous side, those who know her willtell you that she is truly kind and is refreshinglydevoted to her family. When she and herhusband are not traveling to their sonsgames, Chris enjoys spending time with her

family in other outdoor activities. Whetherits snowmobiling, fishing, or playing soccerthis sporty mother lives life to the fullest

and for a good reason. While she has always been adventurous,Chris attitude changed a bit when her mother was re-diagnosed

with Breast cancer a year ago after having being cancer-freefor ten years.After this reoccurrence, Chris and her sistersstarted their team called Barbs Backers and have beenactive in Breast Cancer fund raisers, participating in various

walks and runs.Christines life experiences have given her the necessary

tools for dynamic leadership. Her good nature, witty anticsand motivating managementstyle make her a perfect fitin any department.

To learn more about how youcan help with the fight againstBreast cancer, please visit

www.susangkolmen.org.

I TS MOTIVATING TOBE ABLE TO MEASURE

YOUR RESULTS AND

ALWAYS STRIVE FOR

MORE RAISE THE BAR .

by Lindsey Lesch


14/20

T he Tennessee Legislature recently passed a billthat we will call the Tennessee ServicemembersCivil Relief Act (TSCRA). This bill was signed intolaw on May 15, 2006 and became effective July 1,2006. The bill suspends any foreclosure provision of a home mortgage until 90 days after the return to

Tennessee of any reservist or Tennessee NationalGuard member. Such an agreementmust have been entered into beforebeing called into full-time duty outsidethe U.S. during a period of hostilities.

To take advantage of the TSCRA,the servicemember must submit certaininformation to the lender. The service-member must provide a written notice tothe lender prior to or during deploymentin order to suspend foreclosure of ahome during the period of deployment. The noticemust include a copy of the deployment order and ananticipated date of return that authorizes the lender torely upon such date in any future foreclosure. If theanticipated date of return changes, the servicemembermust submit additional notice to the lender. Such noticecan be given at any stage before a final foreclosuresale. Notice can also be given pursuant to federal law under Section 202 of the Servicemembers Civil Relief

Act (SCRA).Several distinctions should be made between the two

laws. The TSCRA pertains specifically to the purchaseof a home by certain servicemembers in the state of

Tennessee, while the SCRA applies to any civil actionby or against a servicemember. Unlike the SCRA, the

TSCRA does not require the servicemember to go tocourt and does not provide damages if the act is violated.

Additionally, the TSCRA requires servicemembers tosubmit a copy of their deployment orders, while theSCRA requires a communication stating how the military

duty interferes with the proceeding and acommunication from the commanding officer denying military leave. Theservicemember still may execute a waiverpursuant to Section 107 of the SCRA.

The TSCRA also has practicalimplications for the company whichmay service such a file. The statute candelay the foreclosure process for anindefinite amount of time because it

provides that the mortgagee may not commenceaction until the servicemember returns to the state.

What if the servicemember doesnt return to the state? What is the relief? The statute is silent. A lawsuitcould be brought for relief in this case. A guardian

would have to be appointed for the servicemember who would file a report with the court. The courtcould then make a decision with the facts at hand

whether to permit a foreclosure. Any pleadings shouldcontain an allegation that the mortgage company issuffering irreparable harm by not being paid. No

precedence has been established for court rulings onthis statute.

T ENNESSEE SERVICEMEMBERS CIVIL R ELIEF ACT OF 200by Joe KirschSHAPIRO & K IRSCH, L.L.P.

4

T HE STATUTE CANDELAY THE

FORECLOSURE PROCESSFOR AN INDEFINITEAMOUNT OF TIME ...


This article was written by JOE K IRSCH,managing partner of Shapiro & Kirsch,LLP, whose practice includes Tennesseeand Arkansas, with the assistance of NICK

T ANSEY , a third year law student atMississippi College School of Law. JOE K IR SCH NICK T ANSEY


15/20

O ne of the benefits of NewTrak is its ability totrack and document the progress of a file, which then allows FNFS to report performancebased on this data. Prior to March of 2005, fees andcosts requests from servicers and vendors came in viaemail to a designated public box. The turnaroundtime for the request was about 30 hours.

In March of 2005 the introduction of the Fees and Costs Module revolutionizedthe fees and costs process for FNFS andits clients. The module provides immediatetracking as well as timeline documentationof when and by whom requests aremade and completed through NewTrak.

When a servicer needs the fees andcosts on a file, a requester opens a feesand costs request in NewTrak. Thisautomatically generates a request on all activeprocesses on that loan to the vendor assigned toeach process (Foreclosure, Bankruptcy, BPO,

Vacancy, etc.). When all of the fees and costs for theeligible processes have been provided and totaled, they are combined in one module and sent back to therequester. With the automation of the system andmeasurable performance through NewTrak, theaverage time for a fees and costs request has beenreduced to approximately 40 minutes, with many firms averaging only a matter of minutes.

Additional convenience has been created forusers, such as loss mitigators, who do not need accessto NewTrak for anything other than fees and costs.

These users are able to request fees and costs quotesthrough the website, www.feesandcosts.com or .net.

These websites provide a direct link to the Fees andCosts Module in NewTrak. This module also allows for

automation, which sends out requests to vendors having active processes and responds back to the requester

when completed.Because attorneys are scored on their response

times for fees and costs requests through FNFS Attorney Performance Reporting (APR), we wouldlike to take the time to provide additional information

about a couple features of the module thathave generated some questions:

The Fees and Costs timer willcontinue to tick even after the requesthas been completed. It will stop running

when the requester has acknowledged thecompletion. However, NewTrak createsa time stamp at the exact moment eachrequest is completed by the firms or

vendors. The APR score is based on thesetime stamps. The data included in the APR for feesand costs requests is accessible through theService Detail Report on the FNFS Reporting Site.

A fees and costs request will automatically openon every open process for the loan in question, evenif multiple processes are currently being handled by one firm. Firms handling multiple processes arerequired to respond to the request in each process.

The Fees and Costs Turntime Service Activity hasbeen removed from the BK APR score. This stage

will still appear on the scorecard, but will have no

weighting applied. The 2 percentage point weighting previously applied to Fees and Costs in bankruptcy has been reallocated to the remaining service items

with 1 percent going to Referred to Receivedand the other 1 percent going to ReprojectionCompletion Percentage.

F EES AND COSTS M ODULEby Lindsey Lesch


T HE MODULE PROVIDESIMMEDIATE TRACKING AS

WELL AS DOCUMENTATION

THROUGH NEW TRAK OFWHEN AND BY WHOM

REQUESTSAREMADEAND

COMPLETED .


16/206

THE

Fidelity National Foreclosure Solutions, Inc.s DocumentExecution teams are responsible for facilitating requestsbetween attorneys and clients for documents that need to beexecuted. FNFS has signing authority for a number of ourclients. Any documents that can be executed by FNFS areexecuted and returned to attorneys, while those that must beexecuted by clients are forwarded to clients or investors and

are tracked through a process within NewTrak calledSignature Required.In January 2006, FNFS introduced Signature Required

into NewTrak. This feature provides the opportunity for theattorney, FNFS and the client to communicateregarding the execution of documents relating to the foreclosure or bankruptcy. Whenattorneys click on the Signature RequiredButton in NewTrak, a pop-up window opensfor them to identify the process for whichthe document needs to be executed. Once theprocess is selected, a signature required processis opened for attorneys to provide the documentthat needs to be executed through a step inNewTrak. When the document is loaded into NewTrak, itautomatically prints in Minnesota for the DocumentExecution team to work.

The Document Execution team in Minnesota manages theexecution of documents through Signature Required whileour Client Document Execution team in Jacksonville works

with the clients and 3rd party investors on documentsthat FNFS is not able to execute. In Minnesota, Dory Goebel manages the Document Execution team with theassistance of supervisors Holly Farley and Bethany Hood.

In Jacksonville, Chrys Houston manages the Client DocumenExecution team with the assistance of supervisor Reginald Lynch

The Document Execution team is set up like a productioline, ensuring that each document request is resolved within hours. On average, the team will execute 1,000 documents peday. The Document Execution department, totaling 18 associateis divided into 2 areas, the Routing team and the Documen

Review team. The routing team distributes documentsbetween internal team members and to signors. The teams work hand-in-hand to get the documents signed andreturned to the attorneys. (See Diagram on page 17).

The Client Document Execution team ismade up of 8 associates who work to obtainsignatures on all documents where FNFS doenot have authority to sign. They work not on

with the clients but also with their investors tsecure signatures and ensure they are returneto the firms. The timeframe for forwarding adocument to a client or investor is within 24

hours of the MN team launching the documenforward process. The only exception is if the

investor is unable to be located in these cases the team wperform detailed research in an attempt to obtain a contactby utilizing various resources that are available to them.

With the introduction of Signature Required, we havethe ability to track documents and identify documents thatmay have been misplaced and need to be re-executed.Documents are sent via next day air, so attorneys shouldreceive documents within 48 hours of their request whensigned in-house. Any document that is not reflecting asreturned to the attorney within 48 hours is re-executed that

by Dory Goebel and Chrys HoustonD EPARTMENT SPOTLIGHT : D OCUMENT EXECUTION

F IDELITY N ATIONAL F ORECLOSURE SOLUTIONS , I NC . S U M

R EVIEW AND QC: B ACK ( LT O R ) Holly Farley (sup.), Amy McBain, Allen LeTourneau, Christopher Fyhr, Alfonzo Greene.MIDDLE ( L T O R ) Seema Menon, Kimberley Anoka,Blong Yang.FRONT ( LT O R ) Laura Hescott (lead), ElizabethMilburn, Michael Thomas, Carmela Lagarile,Dory Goebel (mgr.).R OUTE AND E NTER : B ACK ( L T O R ) Jim Morris,Christina Seabright (lead), Valarie Crawford,

Andre Friedman.FRONT ( LT O R ) Shannon James, Amber Kaiser, Paris

Jackson, Bethany Hood (sup.), Dory Goebel (mgr.).

D OCUMENTS ARESENT VIA NEXT DAY AIR ,SO ATTORNEYS SHOULD

RECEIVE DOCUMENTS

WITHIN 48 HOURS OFTHEIR REQUEST WHEN

SIGNED IN -HOUSE .

CONTINUED ON NEXT PAGE

R EVIEW AND Q UALITY CONTROL TEAM R OUTE AND ENTER TEAM


17/20

ame day. Additionally, the Signature Required processllows for all users to view the status of the requested

document. Documents that have been forwarded tolients show their status in the document forwardrocess. The next goal for document execution is to sethe standard for any requests that are received prior to:00 CT to be mailed to attorneys the same day.

VOL . 2 I SSUE 3 THE SUMMM I TE MPLOYEE A NNIVERSARIES

JULY , A UGUST , S EPTEMBER , O CTOBER

Joseph AlvaradoFelix Amenumey Sarah Block

Janette BoatmanSheri Bongaarts

Jennifer BradjichChristopher Bray

Tammy Brooks-Saleh Jacqueline BrownPaul BruhaHari Charagundla

Julie Coon

Jeremy Cox Yvette Day Teresa DeBakerKimbretta DuncanSelena EdwardsFedelis FondungallahElizabeth GeretschlaegerPeggy GlassSteven GroutMichelle HalyardCraig HanlonChrys HoustonEtsuko KabeyaGloria Karau

1 YEA

Robyn Colburn B ANKRUPTCY SPECIALIST 5Frank Coon AVP B ANKRUPTCY SUPPORT 5

Jason Dreher ACCOUNTING M ANAGER 5Craig Hinson FORECLOSURE SUPERVISOR 5Paul Hunt VP IT CORE DEVELOPMENT 5Katie Zrust B ANKRUPTCY SPECIALIST 5Larry Dingmann SVP DIVISION COUNSEL 6Fanessa Fuller AVP I MP. AND TECH . SUPPORT 6Cathy Hagstrom S TOP HOLDS SPECIALIST 6

Jamal Kahin NEW INVOICE DEVELOPER 6Pam Kammerer NEW INVOICE AUDITOR 6

Joel Martinson NEW INVOICE DEVELOPER 6Kim Mullins NEW INVOICE LEAD AUDITOR 6Renae Stanton B ANKRUPTCY SUPERVISOR 6Mellisa Ziertman SPECIAL ASSETS LEAD 6Rodney Cadwell VP BUSINESS DEV . AND CLIENT IMP. 7Pam Anderson M ANAGER , NEW INVOICE 8

Angela Vaith NEW INVOICE LEAD AUDITOR 10 Joyce Helberg LOSS ANALYST 11Deidra Murr NEW INVOICE AUDITOR 11Susan Carstensen POST IMP/T ESTING M ANAGER 13

Angela Morris PRODUCTION COORDINATION M ANAGER 13

YEA

Scott KellerKyurstina LawtonLindsey Lesch

Whitney LewisBrock MartinDonna McNaughtMarissa MenzaSteve Moe

Taylor Moore Annmarie MorrisonMelissa MosloskiSusan Nightingale

Richard OlasandeIngrid PittmanRona RamosPaige SahrKimberly SanfordErika SpencerMaya StevensonSeptember StoudemireEmmanuel TabotKeo Maney Kue Vang Rebecca VerdejaKim Waldroff Katrina Whitfield-Bailey

Jerry Yang

Document requested in NewTrak through Signature Required.

Document is auto-printed, stapled and routed to the Review Team.

Document is reviewed based on FNFS signing authority andattorney comments. If the document can be executed by Fidelity, the review team updates NewTrak and the Printed forExecution process is initiated. If a document cannot beexecuted, the Doc Forward process will be initiated for theClient Document Execution team.

Executable documents are returned to the route team to berouted to a signor or notary. The document is placed in aninteroffice envelope and passed out to the signors.

Document is returned to the attorney. The Enter Team willcomplete the step Document Notarized and Sent to Attorney.

The document is sent by the mailroom via overnight UPS.

After the document is signed and notarized, the document is sentto the Quality Control team. This team reviews the document toensure that proper signing authority has been utilized, all informationis filled out, and proper signature and notary is completed.

CLIENT D OC EXECUTION TEAM

CLIENT DOCUMENTE XECUTION :B ACK ( LT O R )Matthew Terrill,

Angie Smith,Marinda Bottoms,

Annetta Milligan,Chrys Houston (mgr.)FRONT ( L T O R )Reginald Lynch (sup.),

Angie Bryan-Withers,September Stoudemire,Cecilia Knox (lead).


18/208

Fidelity National Foreclosure Solutions, Inc. A Division of Fidelity National Default Solut

ATTORNEY G UEST SEMINARS

MONTH S TATE F IRM AUGUST MS Dyke, Henry, GoldshollSEPTEMBER KY/IN Reisenfeld & AssociatesOCTOBER VA Samuel I. White P.C.

NOVEMBER SC Rogers Townsend ThomaDECEMBER NC Brock & Scott

MONTH S TATE F IRM AUGUST MI Trott & TrottSEPTEMBER FL David J. SternOCTOBER SC McDonald McKenzieNOVEMBER OR/WA Bishop White & MarshalDECEMBER FL Marshall Watson

ATTORNEY G UEST SEMINAR PROGRAM SCHEDULE 2006 - F

M AY - FL

JULY - MN JULY - MN

SHAPIRO & S WERTFEGER

B ACK ( LT O R ): Whitney Lewis(FNFS), Andrew Devitt (FNFS),Lynn Doyscher (FNFS),Philip Hasty (S&S),Chris Maset (FNFS).FRONT ( L T O R ):Sean Quirk (S&S),Raynette Prince (FNFS),

Jim Larotonda (S&S),Courtney Coleman(S&S).

B AER , TIMBERLAKE, COULSON & C ATESB ACK ( LT O R ): Anita Bryant, Crisha Littrell, Debra Stopforth, Jane Bailey, Angela Ortego,Nicole Smallwood, Cindy Davis, Matthew Hudspeth, Deborah Jeffries, Richard Chapman.FRONT ( L T O R ):Glenda Smith, Candice Elliott, Brandy Wright, Sydney Staten, Sherry

Tolbert, Charonda Gaines, Amanda Bread, Tina Woodberry.

HUNT LIEBERTB ACK ( LT O R ):Sabrina WrightBill Geary (FNSelena Edwards

MIDDLE ( L T O RChrys HoustonMichelle HalyarReginald Lynch

FRONT ( L T O R )Richard Leibe(Hunt Leibert) ,Susan Higgin(Hunt Leibert

SHAPIRO & S WER

B ACK ( LT O R ):Sean Quirk (SPhilip Hasty (Courtney Col(S&S),Christina Allen

FRONT ( L T O R Jim Larotonda Jeanelle GrayMelissa Moslos(FNFS).

SHAPIRO & K IRSCHB ACK ( LT O R ):

Jeremy Lipford,Sharon Fewell,Denise Griffin,Ginny Miller, Mary

Anne Lane.

FRONT ( L T O R ): Ashley Woods, Joe

Kirsch,DJ Blumer.

Fidelity would like to thank those firms who participated in the Attorney Guest Seminar program thispast quarter. The schedule for the Guest Seminars for the remainder of 2006 is listed below. Here aresome photos from a few of the seminars in April, May, and July.

M AY - MN

APRIL - MN

ATTORNEY G UEST SEMINAR PROGRAM SCHEDULE 2006 - M


19/20

N EW TO THE F IDELITY PARTNERSHIP

I N T H E W O R K S


NEWIMAGE NewImage Classic is kicking off a barcoEXPRESS : project to provide further automation for

Fidelity-based Signature Required processNewImage rolled out EquityOne as a new clieon the latest version of NewImage whichincorporates a new user interface and enhan

work flow management tools. Further roll-ouinvolving other Fidelity companies are schedufor the weeks and months ahead.

N EW INVOICE : Now that NewInvoice has successfulconverted all of its clients to 5.0, we are woron enhancements and new modules to betserve our customer and clients.

N EW TRAK : The following items are scheduled for relin August/September:New GSM (NewTrak log on screen)

pave the way for future single sign ocapability with NewInvoice and NewT

Spell checker for Intercoms.On/off capabilities for automated IntercoData exchange with Quandis/FreddieMac D

NewTrak will be upgrading hardware andsoftware over the next month to accommodacontinued growth.

NTIEE: NTIEE now has over 70 attorneys integrausing differing web services to support integrabetween NewTrak and case management system

We continue to work on imaging exchange capaand an improved error code framework. Beforeend of the year, NTIEE will use the newly releBusiness Partner Interface to allow greatefunctionality including push of data to attor(NTIEE currently utilizes pull where attorneyrequest data rather than subscribing to recautomated updates).

FNFS P ROMOTIONSOur continued growth and success as a leader in the Default Servicing ndustry has enabled Fidelity to provide promotional opportunities for

our team members. This summer, additional layers were added to FNFSmanagement structure with the following promotions:

Barb Nickel: Senior Vice President, ControllerChuck Cote: 1st Vice President and FL IT Site ManagerDave Funk: 1st Vice President and MN IT Site ManagerBill Newland: 1st Vice President and FL Ops Site ManagerChris Hymer: 1st Vice President and MN Ops Site ManagerMichael Cloin: Vice President, Business AnalyticsStephen Garrett: Vice President, Core DevelopmentMatt Rogina: Vice President, Customer/Attorney RelationsChristine Anderson: Assistant Vice President, Special AssetsFrank Coon: Assistant Vice President, Bankruptcy SupportBill Geary: Assistant Vice President, Financial SupportScott Walter: Assistant Vice President, Bankruptcy Attorney Management

CLIENTSFNFS and NewTrak AegisFNFS and NewTrak Specialized Loan Servicing NewInvoice Fremont InvestmentsNewTrak HomecomingsNewTrak ABN AMRO

F IRMSAK Alaska Trustee, LLCAK,HI,ID,MT,OR,WA,TX Malcolm CisnerosAK,HI,ID,MT,OR,WA,TX Trustee Corps.AL, MS Dumas and McPhail, L.L.C.AR Robert S. Coleman, Jr., P.A.CO Edwards & Taylor, LLCCO Frascona, Joiner, Goodman and GreensteinHI Pite, Duncan & MelmetIL Wirbicki Law GroupMO Codilis, Stawiarski & Moody MT Just Law OfficeNH Korde & AssociatesPA Shaffer & ScerniPA Zucker, Goldberg, Ackerman

SC, TN Brock & Scott, PLLCSC Fleming and Whitt, P.A.(formerly Pearce W. Fleming Law)TN Richard B. Maner, PCTX Robertson & Anschutz, P.C.VA Specialized, Inc. of Virginia

Fidelity National Foreclosure Solutions welcomes the following clientsnd firms to the Fidelity partnership from April, May, June, and July.


20/20


The Peak Performance Award program was created to recognize superior employee performance at FNFS. Employees are nominated fornoteworthy performance, customer praise, suggestions or improvements, or completion of additional tasks. Peak Performance Award winnershave taken it upon themselves to improve our company through their exceptional work ethic, creativity, and customer service.

A NGELA BOX

Angela received a Peak Performance Award for her work in the BK POCand Plans department. Her managerpraised Angelas personal attention toher clients problems and the way shetakes full ownership of any issues untilthey are resolved. Angela was recently promoted to Supervisor over this team.

H OL LY H OWEN STINE

In April, Holly was nominated for anaward for her assistance with holdsand stops on GA/TX Super Tuesday.Holly gladly stepped in and completedthese additional tasks while also managing

her Georgia foreclosure portfolio. Hermanager also recognized Hollys thorough work ethic and pleasant personality.

M ACY H UI

Macys manager nominated her for aPeak Performance Award for herimpressive responsiveness to issuesfor Fidelity clients as well as fellow Fidelity associates. Multiple internalteams have praised Macys consistentassistance and expedient resolution toissues.

BRIAN GEIR

Brian received a Peak Performance Award when he went out of his way after business hours to help a clientresolve issues with access to one of their systems. He was nominated by ateam other than his own for the extratime and effort he put in to supportFNFS operations.

A MY GUIBORD

An FNFS client contacted Amys managerto praise her level of professionalismin any communications this clienthad received from Amy. Amy wasnominated for a Peak Performance

Award in recognition of her proveneffort to make sure her transactionsare complete and clear at all times.

Paige received a Peak Performance Award based on the commentsreceived from Zucker, Goldberg &

Ackerman. Paige took the time to walk them through FNFS APR reports tohelp them better understand the factorsthat make up their reports The result

S ANDRA SCHROEDER

Sandra was nominated for a PPerformance Award in May for

work with several Fidelity cliensales results. Each client exprehow happy they were with Sanreliable performance in this area.

LEE BODNAR

Lee received a Peak Perform Award for his work with ChriSeabright to help the Law Office

Thomas J. Young obtain a hpriority document. Lee went ab

and beyond in his effort to make this document was sent to the fthat day.

CHRISTINA SEABRIGHT

Christinas Peak Performance Aw was the result of her coordin with Lee Bodnar to be sure thdocument that the Law Offices

Thomas J. Young needed for a penBK action was executed appropriand sent out immediately.

D ANA B ALSAVICH

When Hughes Watters and Askareceived their 2005/2006 SerExcellence Award, they were sulet Fidelity know that they couldhave achieved this distinction witthe hard work and dedication ofFidelity bankruptcy specialist, Dana

K ATY B AUDER

In July, Katy displayed great atteto detail in her work with Fidclients. Katy was credited wigreat catch by one client for aon which she was instructed to cand bill. Katy identified that the filenot in a restart state and made surefile was handled appropriately.

Carrie was nominated for a PPerformance Award when Hughes Waand Askanase credited their performin part to Carries knowledgeableprofessional performance. They saidthey could not have won their SerPerformance Award without t

PEAK PERFORMANCE AWARD W INNERS

AA PRILPRIL

AA PRILPRIL

AA PRILPRIL

MM AA YY

MM AA YY

JJ UN EUN E

JJ UN EUN E

JJ ULUL YY

JJ ULUL YY

JJ ULUL YY

MM AA YY

MM AA YY