FIS Foreclosure Solutions the Summit Sep 2006

SU M M I TSU M M I T

THE 5TH ANNUAL ATTORNEY SUMMIT

THE

2

3

4

5

6

8

9

10

11

12

13

14

15

16

17

18

19

20

EENCOURANCOURAGINGGING PPEAKEAK PPERFORMANCEERFORMANCE ININ THETHE FFIDELITYIDELITY PPARARTNERSHIPTNERSHIP

The 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 GolfTournament returned to the renownedLegends Golf Course, featuring prizes forlongest drive, longest putt, and closest to thepin. Players were given the opportunity towin $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 McCurdyand Candler LLC made the closest attempt.

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

presentation, Attorney Awards were presentedfor Performance Excellence, Service Excellence,and Rookie of the Year.

The entertainment following the dinnerthis year was provided by comedian KevinPollak, who delivered a memorable performance.Those who attended will be glad to know thatsimilar entertainment is planned for next year.

If you were unable to attend this year,mark your calendars for June 13-15, 2007,when the 6th Annual Attorney Summit willreturn to Minneapolis, MN and will be heldat the Marriott City Center in the heart ofdowntown Minneapolis. Register early tosecure your place, as the 2006 conference wassold out in only 45 days, with hotels at maximumcapacity by mid-May.

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

For those who plan ahead, the 7thAnnual Attorney Summit in 2008 will makeits way to Jacksonville, FL. Further details willbe provided after the 2007 Summit.

FIDELITY INFORMATION

FIDELITY CONTACTS

AUTOMATIC STAY -RECENT DEVELOPMENTS

CLIENT/STAFF PHOTOS

EC PURCHASING

MI MANUFACTUREDHOME PERFECTION

FNFS ATTORNEY AUDITS

ATTORNEY PERFORMANCEAWARD WINNERS

Q2 INCENTIVE WINNERS

FIRM SPOTLIGHT:MANN AND STEVENS

EMPLOYEE SPOTLIGHT:CHRISTINE ANDERSON

TENNESSEE SERVICEMEMBERSCIVIL RELIEF ACT

FEES AND COSTS MODULE

DEPARTMENT SPOTLIGHT:DOCUMENT EXECUTION

EMPLOYEE ANNIVERSARIES

ATTORNEY NEWS

TECHNOLOGY NEWS

PEAK PERFORMANCEAWARD WINNERS

BY LINDSEY LESCH

September 2006 Volume 2 Issue 3

IN THIS ISSUE

TH E SU M M I T A publication of Fidelity National Foreclosure Solutions, Inc.

SAVE THE DATE: JUNE 13-15, 2007

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

Fidelity National Foreclosure Solutions

2006 Attorney Summit“Focus on the Future”

FIDELITY INFORMATION

2

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

Fidelity National Foreclosure Solutions, Inc. (FNFS)provides loan servicers with single-source solutions for

managing foreclosures, bankruptcies, and related matters ona nationwide basis.

Possessing the expertise to manage diverse loan proceduresand credit types, FNFS helps clients realize consistent pricingfor 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 ofeach loan are identified and processed to ensure the mostefficient outcome. Stringentinternal time limits are placedon every important event andactive monitoring is conductedto minimize the overall timeframe.This loan level data is reportedto Fidelity partners on a dailybasis using NewTrak, Fidelity’sweb-based default managementtool. NewTrak allows Fidelityand 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 caseand management data at the fingertips of vendors, clients,and Fidelity employees.

NewImage Express (NIE) is another collaborative technologyproduct offered by FNFS. NIE assists Fidelity clients andvendors with the expanding document retention requirementsthey face today. It is a secure, stand-alone scanning anddocument management system that reduces manual servicingrequirements 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 integrationof NewTrak and NIE allows users to manage their files alongwith the variety of documents associated with those files.The system offers a secure 128-bit encrypted bidirectionalconduit for transmission of documents between FNFS andour clients’ offices. Stored documents can be viewed, searched,and printed worldwide from any computer through a securepassword-authenticated Internet connection. An NIE usercan easily find and send a document created years ago withoutrummaging through endless filing cabinets, making copies,and paying for the postage to mail it.

NewInvoice 5.0 is animportant tool for themortgage community thatprovides the most completevendor management solutionfor B2B electronic invoicesubmission and processingin the industry. NewInvoicehas made a significantinvestment in enhancing the

ability to create, present, and process the many thousandsof invoices received daily by clients. Using approved stagepricing, NewInvoice has made the invoice approval processfully automated, allowing focus to be limited to exceptions.

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

FIDELITY’S FIVE FUNDAMENTAL PRECEPTS

Autonomy and EntrepreneurshipBias for ActionEmployee OwnershipMinimize BureaucracyClose Customer Relationships

FLORIDA OFFICE

601 Riverside Ave.Building 5, 3rd FloorJacksonville, FL 32204904.470.7700904.470.7800 fax

MINNESOTA OFFICE

1270 Northland DriveSuite 200Mendota Heights, MN 55120651.234.3500651.234.3600 fax

The Jacksonville offices of FidelityNational 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.

FNFS MANAGEMENT

SCOTT BARNES SVP Operations 904.470.7703LARRY DINGMANN SVP Division Counsel 651.234.3506STEVE GERTHS SVP Business Development 651.234.3504JAMES IREDALE SVP MIS and Core Development 904.470.7704LAURA MACINTYRE SVP NewInvoice Operations 651.234.3511BARB NICKEL SVP Controller 651.234.3587DENNIS STEMMLE SVP Technology Solutions 904.470.7705GREG WHITWORTH President and COO 904.470.7701

3

VOL. 2 ISSUE 3 THE SUMMIT

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

EDITORLindsey Lesch

EDITORIAL DIRECTORMatthew Rogina

VP Customer/Attorney Relations

STAFF PHOTOGRAPHEREric Tate

COVER PHOTOGRAPHERRichard Reynolds

CONTRIBUTING AUTHORS*Joe Kirsch

Bill MeagherJune Mann

Thomas G. Tutton Jr.

Do you want to be featured in next quarter’sissue of The Summit? We welcome all articles orcomments about your company/firm.** Tell usabout changes, improvements, legislation thataffects you — whatever you think will beinteresting to readers of The Summit! Thedeadline for submissions for the next issue isSeptember 15.

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

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

CONTACT US!

CUSTOMER/ATTORNEY RELATIONSPOLINA BELINSKAYA 904.470.7881SELENA EDWARDS 904.470.7837KRIS HARVICK 904.470.7879JANE JOHNS 904.470.7766LINDSEY LESCH 904.470.7831DENISE MARTIN 904.470.7863MATTHEW ROGINA 904.470.7731KATHERINE ZORN 651.234.3723

[email protected]

[email protected]

NEWIMAGE [email protected]

[email protected] [email protected]

[email protected]

*The opinions expressed by contributingauthors are those of the authors and do notnecessarily reflect the opinions of FidelityNational Foreclosure Solutions.

**Fidelity reserves the right to edit submissions for space constraints.

4

S U MTHE

FIDELITY NATIONAL FORECLOSURE SOLUTIONS, INC.

Step Two- Determine if the case was filed in “good faith” as required by Subsection 362(c)(3)(B).Step Three- Determine the parameters for determining “good faith” and the related burdens of proof and presumptions.Step Four- Determine the criteria for determining “good faith.”

The court found that when the case ispresumed to have not been filed in “goodfaith” that the burden of proof is by“clear and convincing” evidence, a muchstronger burden than the previous standard“preponderance of the evidence” burden.The court also found that it can find lack of“good 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 thestay for all others.

The practical application of this is that a Creditorwill have a much better chance of prevailing when theyobject to these motions if the case is presumed to have notbeen filed in “good faith” under Subsection 362 (c)(3)(C)(i)of the Bankruptcy Code. What “good faith” meansvaries 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 to

“extend” or “impose” the automatic stay in situationswhere a debtor has filed multiple cases. Upon receipt ofone of these motions, a creditor must decide if theywant to object to the motion. In most cases, if the creditorchooses not to object, these motions are routinelygranted and the debtor gets the benefit of the automaticstay, which otherwise may not have beenavailable. Many courts will routinelyextend or impose this stay for the life ofthe plan.

A recent case styled In re: EarlMasuca entered by a Bankruptcy Courtin the Northern District of Alabama,Southern Division, (not published as ofyet) 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 ofthe 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 todetermine 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 ) when the case was filed. THOMAS G. TUTTON JR. is the

Managing Partner for ConsumerBankruptcy at Sirote & Permutt, P.C.in Birmingham, Alabama.

WHEN SHOULD A CREDITOR OBJECT TO A MOTION TO EXTENDOR IMPOSE THE AUTOMATIC STAY - RECENT CASE DEVELOPMENT

by Thomas G. Tutten, Jr.SIROTE & PERMUTT, P.C.

“MANY COURTS WILL

ROUTINELY EXTEND OR

IMPOSE THIS STAY FOR

THE LIFE OF THE PLAN.”

5

M I TVOL. 2 ISSUE 3 THE SUMMIT

CLIENT SPOTLIGHT: HOMECOMINGS

FNFS MN SOFTBALL

When the FNFS Minnesota Information Technologyand Operations co-rec league softball teams werescheduled to play against one another this summer,the FNFS activities committee sponsored a picnic atthe park on the day of the game. After the picnic,everyone filled the bleachers at the softball diamondto watch the game. Fidelity IT put forth a competitiveteam effort but, in the end, Fidelity Ops celebrated avictory and holds bragging rights along with their trophy.

PAM ANDERSON ( NEWINVOICE) NATE MILLER (OPS)

JIM MORRIS (OPS)

JULIE COON

FRANK COONJAIME GOVER(OPS TEAM CAPTAIN)

KIM WESTPHAL (IT)

CARRIE CURRAN (OPS)

MARK CARDENASMALINDA CCARDARDEE NNAAS

Photo by Ron Stuart

Photo by Ron Stuart

Photo by John Cody

Photo by John Cody

by Ron Stuart

HOMECOMINGS BK TEAM HOMECOMINGS FC TEAM

(L TO R) Christine Freeman, Jennifer Galvin, Penny Ottman, Pat Gibson, Nicki Butler,Lisa Dahl, Monica Gonzalez.

BACK (L TO R) Mike Dacey, Stacey Minear, Erin Vaughn, Tony Wolfinger.FRONT (L TO R) Brandi Smith, Monica Cervantes.

CLIENT/STAFF PHOTOS

6 www.ecpurchasing.com 888.387.0223


Welcome to EC Purchasing, partof Fidelity National Financial’sfamily of companies. We started

our business in 1999 to allow FNF customersto benefit from national account prices thatare traditionally only available to America’slargest organizations. As we embark on oursixth anniversary in business, we’re proudthat more than 20,000 businesses haveimproved their profitability by enjoyingFidelity’s 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 feworganizations. By helping our customers “link” toFNF’s buying power, EC Purchasing will reduce yourexpenses and increase your profits with no cost, norisk, and no investment. It’s one more way we can addvalue to our business relationship with you.

If you’re only using the EC Purchasing program forFedEx or UPS shipping, you’ll be amazed at the numberof additional product and service discounts that areavailable to you. We are constantly adding to the list ofcompanies that provide 20%-50% discounts to ourmembers. We encourage our members to review ourweb site, and call often to make certain they are alwaysbenefiting from all savings possibilities.

WHY ARE WE OFFERING YOU DISCOUNTS?

COMPLIMENTARY COST COMPARISON

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

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

To best understand the value of EC Purchasing, askone 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 MIZESEC PURCHASING PRESIDENT

HOW TO BECOME A MEMBER

MORE NATIONAL VENDORS PARTNER WITH EC PURCHASING

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 andtake advantage of tremendous savings!

EC Purchasing’s complimentary cost comparisons often find savings in excess of20, 30 or even 50 percent for customers.

www.ecpurchasing.com 888.387.0223 7


“EC Purchasing has proven to be a wonderful resource to Holland& Knight (the country’s 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 beinglocked into exclusive agreements or minimumpurchase commitments. I highly recommendEC Purchasing.”

DIRECTOR OF HUMAN RESOURCES,HOLLAND & KNIGHT

Andy Petterson

“With more than 300 attorneys, Winstead Sechrest & Minick P.C.is among the largest business law firms in Texas. The Firm’s size is anasset to our clients, but it presents challenges in effectively managingcosts which impact our clients’ success. Winstead’s business relationshipwith EC Purchasing, and Fidelity’s leasing group, FNF Capital,provides a deeper discount for the Firm’s fleetof more than 35 Canon High Speed/HighVolume multifunction copiers than leasingdirectly from a vendor. “

DIRECTOR OF OFFICE SERVICES,WINSTEAD, SECHRIST & MINICK, P.C.Gary Glahn

TECHNOLOGY PRODUCTS

WHAT OUR CUSTOMERS SAY

REDUCE OFFICE SUPPLY COSTS

DARE TO COMPARE:WILL ANALYZE YOUR COSTS TO QUANTIFY SAVINGS

EC Purchasing launched its business by offeringmember discounts on overnight shipping, but we’veexpanded considerably since then. Although you can

still 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 linkposted 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, it’stime to look at the discounts EC Purchasing could offeryou through Office Depot and Staples. EC Purchasingconsultants can quickly develop a complimentary analysisshowing you a side-by-side comparison of your currentcosts versus the discounted pricing you could enjoythrough EC Purchasing.

8

THE

FIDELITY NATIONAL FORECLOSURE SOLUTIONS, INC. 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 controversyabout perfection created by the Kroskie decision.

MERS v. PickrellThe ongoing perfection debate was quickly putto rest in the state court context following theIn re Oswalt decision. In Mortgage Electronic RegistrationSystems v. Pickrell, et al., __ Mich App __ (2006), theMichigan Court of Appeals held that a securityinterest 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 recordingof 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.

SummaryThe 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 lenderswith manufactured homes in Michigan.

Legislative action and judicial application have finally clarifiedwhat 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 towhere we are today. A historical review is warranted in order tofully understand the significance of this development inMichigan law.

In re KroskiePrior 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 inwhich to perfect a secured interest in a manu-factured home under the Mobile HomeCommission Act, MCL 125.2301 et seq. (“MHCA”),was to place the lender’s security interest on themanufactured home’s certificate of title.

Legislative ActionThe 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 ofmanufactured homes to real property through the recording ofan affidavit of affixture.

While the intent of the legislature may have been clear, the languageof the legislation caused more confusion than it resolved. Inthe years following the initial legislative response to In re Kroskie,additional challenges and litigation ensued. The litigants andcourts were particularly interested in whether the new legislationwas 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 unequivocallyestablished that the legislation was retroactive and that perfectionof a security interest in a manufactured home affixed to the realtycould be accomplished through the recording of a mortgage.With the recent statutory amendment, the appellate courts were

MICHIGAN: MANUFACTURED HOME PERFECTION CLARIFICATIONby Bill MeagherTROTT AND TROTT, P.C.

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

“THE COURT DETERMINEDTHAT THE LEGISLATIVE

INTENT WAS TO ALLOWSUCH LIENS TO BE

PERFECTED ACCORDINGTO REAL PROPERTY LAW.”

9


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 feedbackprovided to Network firms concerningtheir audit results. A former FNFSForeclosure Manager who also managedthe Sales Audit team within the company,Jennifer is well-versed in the timelinecompliance 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 HearingDate. Once the random audit sampling of loans is determined, anaudit process in NewTrak will launch for the firms to acknowledgethe 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 theyentered 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 listingof all files that are currently within theAPR for this internal audit by the firmand the firm has 30 days to complete allcorrective action. After 30 days, Fidelitywill 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 samplingwill 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 offirms 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 whenthe stages were actually completed, resulting in negativelyimpacted timelines for the firm! Bringing these types ofexamples to everyone’s 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.

FNFS APR RANDOM AUDIT PROGRAMby Jennifer Anthony and Lynn McNamee

M I T

REASONS A FILE COULD FAIL ANAUDIT INCLUDE:Date Fail: The date entered in NewTrakby the firm does not match the supportingdocument scanned into NewImageExpress (NIE).Incorrect Document: The documentscanned into NIE does not support thestage audit.Date Stamp Illegible: The supportingdocument scanned into NIE has anunreadable stamp or date entry or isotherwise unusable.Audit Timeframe Expired: The proofof documentation for the stage audit wasnot scanned into NIE within the allowabletimeframe of 14 days.

10

2005-2006 ATTY PERFORMANCE AWARDS

2005 PERFORMANCE EXCELLENCE - BANKRUPTCY

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

2005 PERFORMANCE EXCELLENCE - FORECLOSURE

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

2005 SERVICE EXCELLENCE - BANKRUPTCY

Codilis & Associates (IL)

2005 SERVICE EXCELLENCE - FORECLOSURE

Hughes Watters Askanase (TX)

2005 ROOKIE 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.”

- CAROLYN TAYLOR, Hughes Watters Askanase

CODILIS & ASSOCIATES HUGHES WATTERS ASKANASE SHAPIRO & KIRSCH

ROBINSON TAIT POTESTIVO & ASSOCIATES

REINER, REINER & BENDETT MANLEY DEAS KOCHALSKI

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

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

REINER, REINER & BENDETT: (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).

MANLEY, DEAS KOCHALSKI: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 CountyComplaints, Ed Kochalski (Partner), Kelly Breckner(Cuyahoga County Judgment).

POTESTIVO & ASSOCIATES:BACK (L TO R) Angel Stach, Susan Kania, JamieParavano, Amy Angelo, Brandon Evans, JackieTaylor, Shevon Elam, Rachel Jury, Erica Bryant,Brian Kendall, Karly McCallum.MIDDLE (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 Fewell,Denise Griffin, Ginny Miller, Mary Anne Lane.FRONT (L TO R) Ashley Woods, Joe Kirsch,DJ Blumer.


AR Mickel Law FirmFL David J. Stern, PAIL Codilis and Associates, PCIL Freedman,Anselmo,Lindberg & RappeIL 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 & McKeeverPA McCabe WeisbergPA Shapiro & KreismanSC Roger, Townsend, and ThomasSC Weston Adams Law FirmTN Shapiro & KirschVA Friedman and MacFadyenVA Shapiro & BursonVA Sykes, Bourdon, Ahern & Levy

Q2 - 2006 WINNERS

BANKRUPTCY

AL Scott J. HumphreyAR Mickel Law Firm, PACO Aronowitz & Ford, LLPIA Belin, Harris, Lamson & McCormicIN Bleecker Brodey and AndrewsMA Korde & AssociatesMN Usset & Weingarden, PLLPMS Adams & Edens PAMS Shapiro & MasseyNC Shapiro & IngleNC Morris, Schneider & Prior, LLCNY Jonathan D. PincusOH Manley Deas & KochalskiOH Shapiro & FeltyOH (Cuyahoga County) Manley Deas & KochalskiOR Shapiro & Sutherland, LLCPA Shapiro & KreismanSC Finkel Law Firm, LLCTN Apperson, Crumo, Duzane & Maxwell PLCVA Shapiro & BursonWI Vollmar and Huismann, S.C.

Q2 - 2006 WINNERS

FORECLOSURE

11

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

APR INCENTIVE WINNERS

2006 ATTY SUMMIT GOLF 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 & RAPPE

(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!

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


DIANA STEVENS, SCOTT BARNES(FNFS), and JUNE MANN(l to r)at the 2005 Attorney Summit,where Mann & Stevens received a“Service Excellence” Award.

12

S U MTHE


FIRM SPOTLIGHT: MANN & STEVENS, P.C.by June MannMANN & STEVENS, P.C.

Thinking outside the box, along with a strongcommitment 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 ofTexas. Its current shareholders, JuneMann and Diana Stevens, met while in lawschool, and each have more than 20 years ofexperience 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 Fidelity’s programs asspeakers and productive participants. Mann & Stevenscurrently employs eight attorneys and over 30 staffmembers. The firm is dedicated to pursuing the mosteconomical and adept solutions to ensure that their clients’issues are handled expeditiously and in a professionalmanner. Additionally, the staff at Mann & Stevens iswell 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.

June’s specialty is the representation of mortgagecompanies and financial institutions in consumer,business, and Chapter 11 bankruptcies, and Diana’smain focus is in the areas of foreclosure, eviction,probate and litigation. Additionally, two of the firm’svalued employees, Stacy Borgfeldt, the ForeclosureManager, and Thomas Delaney, the Title Manager, haveboth been with the firm since its inception and workwith many other longtime employees to resolve issues on a

daily basis.June and Diana take a very personal

interest in their firm and the cases thatthe firm is handling; clients may reachthem directly at any time to discussproblem files. This hands-on philosophyhas helped to create a solid andknowledgeable firm that is able to solveproblems aggressively and proficiently.Although each department at the firm

has 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 ofservice to their clients. This can-do attitude has helpedMann & Stevens attain the level of success it enjoys today.

“JUNE AND DIANA TAKEA VERY PERSONALINTEREST IN THEIR

FIRM AND THE CASESTHAT THE FIRMIS HANDLING...”

Mann and Stevens, P.C. earns this quarter’s Firm Spotlightfor their consistent performance, according to the Fidelity APR,in both Bankruptcy and Foreclosure in Texas.

M I T VOL. 2 ISSUE 3 THE SUMMIT

EMPLOYEE SPOTLIGHT: CHRISTINE ANDERSON

Every office has that one person who inexplicably brightensfaces and lightens the mood. In FNFS’ Minnesota

office, 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 iswilling to take on any challenge, especially those involvingthe outdoors. Whether it’s 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 of2002 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, Christinemaintained the philosophy that “you haveto have some humor in this stressful industry.”Even when she’s juggling work responsibilitiesand motherhood, Chris remembers that it’s 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 shewas 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 environmentwhere performance is measured by timelines. As she says,“It’s motivating to be able to measure your results andalways strive for more — raise the bar.”

One of Christine’s favorite things about FNFS is“how innovative everyone is.” It didn’t 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 physicallyharm others, seven-year-old Christine once placed sheetsof butcher paper (a coloring-time staple in her house)under an older sister’s 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 Christine’s 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 son’sgames, Chris enjoys spending time with herfamily in other outdoor activities. Whetherit’s snowmobiling, fishing, or playing soccer,this 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-diagnosedwith Breast cancer a year ago after having being cancer-freefor ten years. After this reoccurrence, Chris and her sistersstarted their team called “Barb’s Backers” and have beenactive in Breast Cancer fund raisers, participating in variouswalks and runs.

Christine’s life experiences have given her the necessarytools 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 visitwww.susangkolmen.org.

“IT’S MOTIVATING TO

BE ABLE TO MEASURE

YOUR RESULTS AND

ALWAYS STRIVE FOR

MORE — RAISE THE BAR.”

by Lindsey Lesch

13

The Tennessee Legislature recently passed a billthat we will call the Tennessee Servicemembers

Civil Relief Act (TSCRA). This bill was signed intolaw on May 15, 2006 and became effective July 1,2006. The bill suspends any foreclosure provision ofa home mortgage until 90 days after the return toTennessee 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 lawunder Section 202 of the Servicemembers Civil ReliefAct (SCRA).

Several distinctions should be made between the twolaws. 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, theTSCRA 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 commandingofficer 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 doesn’t return to the state?What is the relief ? The statute is silent. A lawsuitcould be brought for relief in this case. A guardianwould have to be appointed for the servicememberwho would file a report with the court. The courtcould then make a decision with the facts at handwhether to permit a foreclosure. Any pleadings shouldcontain an allegation that the mortgage company issuffering irreparable harm by not being paid. Noprecedence has been established for court rulings onthis statute.

TENNESSEE SERVICEMEMBERS CIVIL RELIEF ACT OF 2006by Joe KirschSHAPIRO & KIRSCH, L.L.P.

14

“THE STATUTE CANDELAY THE

FORECLOSURE PROCESSFOR AN INDEFINITEAMOUNT OF TIME...”


This article was written by JOE KIRSCH,managing partner of Shapiro & Kirsch,LLP, whose practice includes Tennesseeand Arkansas, with the assistance of NICKTANSEY, a third year law student atMississippi College School of Law. JOE KIRSCH NICK TANSEY

One 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 ofthe 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, theyare 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 manyfirms 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 havingactive processes and responds back to the requesterwhen completed.

Because attorneys are scored on their responsetimes 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 runningwhen the requester has acknowledged thecompletion. However, NewTrak createsa time stamp at the exact moment eachrequest is completed by the firms orvendors. The APR score is based on these

time 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 byone 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 stagewill still appear on the scorecard, but will have noweighting applied. The 2 percentage point weightingpreviously applied to Fees and Costs in bankruptcyhas been reallocated to the remaining service itemswith 1 percent going to “Referred to Received”and the other 1 percent going to “ReprojectionCompletion Percentage.”

FEES AND COSTS MODULEby Lindsey Lesch

15


“THE MODULE PROVIDES

IMMEDIATE TRACKING AS

WELL AS DOCUMENTATION

THROUGH NEWTRAK OF

WHEN AND BY WHOM

REQUESTSAREMADEAND

COMPLETED.”

16

THE

Fidelity National Foreclosure Solutions, Inc.’s DocumentExecution teams are responsible for facilitating requests

between 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 andare tracked through a process within NewTrak called“Signature Required.”

In January 2006, FNFS introduced Signature Requiredinto NewTrak. This feature provides the opportunity for theattorney, FNFS and the client to communicateregarding the execution of documents relatingto 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 workswith the clients and 3rd party investors on documentsthat FNFS is not able to execute. In Minnesota, DoryGoebel manages the Document Execution team with theassistance of supervisors Holly Farley and Bethany Hood.

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

The Document Execution team is set up like a productionline, ensuring that each document request is resolved within 24hours. On average, the team will execute 1,000 documents perday. The Document Execution department, totaling 18 associates,is divided into 2 areas, the Routing team and the DocumentReview team. The routing team distributes documentsbetween internal team members and to signors. The teamswork 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 doesnot have authority to sign. They work not onlywith the clients but also with their investors tosecure signatures and ensure they are returnedto the firms. The timeframe for forwarding adocument to a client or investor is within 24hours of the MN team launching the documentforward process. The only exception is if the

investor is unable to be located – in these cases the team willperform 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 HoustonDEPARTMENT SPOTLIGHT: DOCUMENT EXECUTION

FIDELITY NATIONAL FORECLOSURE SOLUTIONS, INC. S U M

REVIEW AND QC: BACK (L TO R) Holly Farley (sup.),Amy McBain, Allen LeTourneau, Christopher Fyhr,Alfonzo Greene.MIDDLE (L TO R) Seema Menon, Kimberley Anoka,Blong Yang.FRONT (L TO R) Laura Hescott (lead), ElizabethMilburn, Michael Thomas, Carmela Lagarile,Dory Goebel (mgr.).ROUTE AND ENTER: BACK (L TO R) Jim Morris,Christina Seabright (lead), Valarie Crawford,Andre Friedman.FRONT (L TO R) Shannon James, Amber Kaiser, ParisJackson, Bethany Hood (sup.), Dory Goebel (mgr.).

“DOCUMENTS ARE

SENT VIA NEXT DAY AIR,SO ATTORNEYS SHOULD

RECEIVE DOCUMENTS

WITHIN 48 HOURS OF

THEIR REQUEST WHEN

SIGNED IN-HOUSE.”

CONTINUED ON NEXT PAGE

REVIEW AND QUALITY CONTROL TEAM ROUTE AND ENTER TEAM

same day. Additionally, the Signature Required processallows for all users to view the status of the requesteddocument. Documents that have been forwarded toclients show their status in the “document forward”process. The next goal for document execution is to setthe standard for any requests that are received prior to2:00 CT to be mailed to attorneys the same day.

17

VOL. 2 ISSUE 3 THE SUMMITM I TEMPLOYEE ANNIVERSARIES

JULY, AUGUST, SEPTEMBER, OCTOBER

Joseph AlvaradoFelix AmenumeySarah BlockJanette BoatmanSheri BongaartsJennifer BradjichChristopher BrayTammy Brooks-SalehJacqueline BrownPaul BruhaHari CharagundlaJulie CoonJeremy CoxYvette DayTeresa DeBakerKimbretta DuncanSelena EdwardsFedelis FondungallahElizabeth GeretschlaegerPeggy GlassSteven GroutMichelle HalyardCraig HanlonChrys HoustonEtsuko KabeyaGloria Karau

1 YEAR

Robyn Colburn BANKRUPTCY SPECIALIST 5Frank Coon AVP BANKRUPTCY SUPPORT 5Jason Dreher ACCOUNTING MANAGER 5Craig Hinson FORECLOSURE SUPERVISOR 5Paul Hunt VP IT CORE DEVELOPMENT 5Katie Zrust BANKRUPTCY SPECIALIST 5Larry Dingmann SVP DIVISION COUNSEL 6Fanessa Fuller AVP IMP. AND TECH. SUPPORT 6Cathy Hagstrom STOP HOLDS SPECIALIST 6Jamal Kahin NEWINVOICE DEVELOPER 6Pam Kammerer NEWINVOICE AUDITOR 6Joel Martinson NEWINVOICE DEVELOPER 6Kim Mullins NEWINVOICE LEAD AUDITOR 6Renae Stanton BANKRUPTCY SUPERVISOR 6Mellisa Ziertman SPECIAL ASSETS LEAD 6Rodney Cadwell VP BUSINESS DEV. AND CLIENT IMP. 7Pam Anderson MANAGER, NEWINVOICE 8Angela Vaith NEWINVOICE LEAD AUDITOR 10Joyce Helberg LOSS ANALYST 11Deidra Murr NEWINVOICE AUDITOR 11Susan Carstensen POST IMP/TESTING MANAGER 13Angela Morris PRODUCTION COORDINATION MANAGER 13

YEARS

Scott KellerKyurstina LawtonLindsey LeschWhitney LewisBrock MartinDonna McNaughtMarissa MenzaSteve MoeTaylor MooreAnnmarie MorrisonMelissa MosloskiSusan NightingaleRichard OlasandeIngrid PittmanRona RamosPaige SahrKimberly SanfordErika SpencerMaya StevensonSeptember StoudemireEmmanuel TabotKeo Maney Kue VangRebecca VerdejaKim WaldroffKatrina Whitfield-BaileyJerry 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 byFidelity, 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 DOC EXECUTION TEAM

CLIENT DOCUMENTEXECUTION:BACK (L TO R)Matthew Terrill,Angie Smith,Marinda Bottoms,Annetta Milligan,Chrys Houston (mgr.)FRONT (L TO R)Reginald Lynch (sup.),Angie Bryan-Withers,September Stoudemire,Cecilia Knox (lead).

18

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

ATTORNEY GUEST SEMINARS

MONTH STATE FIRMAUGUST MS Dyke, Henry, Goldsholl SEPTEMBER KY/IN Reisenfeld & AssociatesOCTOBER VA Samuel I. White P.C.NOVEMBER SC Rogers Townsend ThomasDECEMBER NC Brock & Scott

MONTH STATE FIRMAUGUST MI Trott & Trott SEPTEMBER FL David J. Stern OCTOBER SC McDonald McKenzieNOVEMBER OR/WA Bishop White & MarshalDECEMBER FL Marshall Watson

ATTORNEY GUEST SEMINAR PROGRAM SCHEDULE 2006 - FL

MAY - FL

JULY - MN JULY - MN

SHAPIRO & SWERTFEGERBACK (L TO R):Whitney Lewis (FNFS),Andrew Devitt (FNFS),Lynn Doyscher (FNFS),Philip Hasty (S&S),Chris Maset (FNFS).FRONT (L TO R):Sean Quirk (S&S),Raynette Prince (FNFS),Jim Larotonda (S&S),Courtney Coleman(S&S).

BAER, TIMBERLAKE, COULSON & CATESBACK (L TO R): Anita Bryant, Crisha Littrell, Debra Stopforth, Jane Bailey, Angela Ortego,Nicole Smallwood, Cindy Davis, Matthew Hudspeth, Deborah Jeffries, Richard Chapman.FRONT (L TO R):Glenda Smith, Candice Elliott, Brandy Wright, Sydney Staten, SherryTolbert, Charonda Gaines, Amanda Bread, Tina Woodberry.

HUNT LIEBERTBACK (L TO R):Sabrina Wright (FNFS),Bill Geary (FNFS),Selena Edwards (FNFS).

MIDDLE (L TO R):Chrys Houston (FNFS),Michelle Halyard (FNFS),Reginald Lynch (FNFS).

FRONT (L TO R):Richard Leibert(Hunt Leibert),Susan Higgins(Hunt Leibert).

SHAPIRO & SWERTFEGERBACK (L TO R):Sean Quirk (S&S),Philip Hasty (S&S),Courtney Coleman(S&S),Christina Allen (FNFS).

FRONT (L TO R):Jim Larotonda (S&S),Jeanelle Gray (FNFS),Melissa Mosloski(FNFS).

SHAPIRO & KIRSCHBACK (L TO R):Jeremy Lipford,Sharon Fewell,Denise Griffin,Ginny Miller, MaryAnne Lane.

FRONT (L TO R):Ashley Woods, JoeKirsch, 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.

MAY - MN

APRIL - MN

ATTORNEY GUEST SEMINAR PROGRAM SCHEDULE 2006 - MN

NEW TO THE FIDELITY PARTNERSHIP

I N T H E W O R K S

19


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

Fidelity-based Signature Required processes.NewImage rolled out EquityOne as a new client on the latest version of NewImage which incorporates a new user interface and enhanced work flow management tools. Further roll-outs involving other Fidelity companies are scheduled for the weeks and months ahead.

NEWINVOICE: Now that NewInvoice has successfully converted all of its clients to 5.0, we are workingon enhancements and new modules to betterserve our customer and clients.

NEWTRAK: The following items are scheduled for releasein August/September:

New GSM (NewTrak log on screen) willpave the way for future single sign on capability with NewInvoice and NewTrak.

Spell checker for Intercoms.On/off capabilities for automated Intercoms.Data exchange with Quandis/FreddieMac DCS.

NewTrak will be upgrading hardware and software over the next month to accommodatecontinued growth.

NTIEE: NTIEE now has over 70 attorneys integrated,using differing web services to support integration between NewTrak and case management systems.We continue to work on imaging exchange capabilityand an improved error code framework. Before the end of the year, NTIEE will use the newly released Business Partner Interface to allow greater functionality including “push” of data to attorneys(NTIEE currently utilizes “pull” where attorneys request data rather than subscribing to receiveautomated updates).

FNFS PROMOTIONSOur continued growth and success as a leader in the Default Servicingindustry has enabled Fidelity to provide promotional opportunities forour team members. This summer, additional layers were added to FNFS’management 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 ServicingNewInvoice Fremont InvestmentsNewTrak HomecomingsNewTrak ABN AMRO

FIRMSAK 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, LLC CO Frascona, Joiner, Goodman and GreensteinHI Pite, Duncan & MelmetIL Wirbicki Law GroupMO Codilis, Stawiarski & MoodyMT Just Law OfficeNH Korde & AssociatesPA Shaffer & ScerniPA Zucker, Goldberg, AckermanSC, 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 clientsand firms to the Fidelity partnership from April, May, June, and July.


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.

ANGELA BOX

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

HOLLY HOWENSTINE

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 managingher Georgia foreclosure portfolio. Hermanager also recognized Holly’s thoroughwork ethic and pleasant personality.

MACY HUI

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

BRIAN GEIR

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

AMY GUIBORD

An FNFS client contacted Amy’s managerto praise her level of professionalismin any communications this clienthad received from Amy. Amy wasnominated for a Peak PerformanceAward in recognition of her proveneffort to make sure her transactionsare complete and clear at all times.

PAIGE SAHR

Paige received a Peak PerformanceAward based on the commentsreceived from Zucker, Goldberg &Ackerman. Paige took the time to walkthem through FNFS’ APR reports tohelp them better understand the factorsthat make up their reports The resultwas an improved APR score for the firm.

SANDRA SCHROEDER

Sandra was nominated for a PeakPerformance Award in May for herwork with several Fidelity clients onsales results. Each client expressedhow happy they were with Sandra’sreliable performance in this area.

LEE BODNAR

Lee received a Peak PerformanceAward for his work with ChristinaSeabright to help the Law Offices ofThomas J. Young obtain a high-priority document. Lee went “aboveand beyond” in his effort to make surethis document was sent to the firmthat day.

CHRISTINA SEABRIGHT

Christina’s Peak Performance Awardwas the result of her coordinationwith Lee Bodnar to be sure that adocument that the Law Offices ofThomas J. Young needed for a pendingBK action was executed appropriatelyand sent out immediately.

DANA BALSAVICH

When Hughes Watters and Askanasereceived their 2005/2006 ServiceExcellence Award, they were sure tolet Fidelity know that they could nothave achieved this distinction withoutthe hard work and dedication of theirFidelity bankruptcy specialist, Dana.

KATY BAUDER

In July, Katy displayed great attentionto detail in her work with Fidelityclients. Katy was credited with a“great catch” by one client for a fileon which she was instructed to closeand bill. Katy identified that the file wasnot in a restart state and made sure thefile was handled appropriately.

CARRIE CURRAN

Carrie was nominated for a PeakPerformance Award when Hughes Wattersand Askanase credited their performancein part to Carrie’s knowledgeable andprofessional performance. They said thatthey could not have won their ServicePerformance Award without theirFNFS foreclosure specialist.

PEAK PERFORMANCE AWARD WINNERS

AAPRILPRIL

AAPRILPRIL

AAPRILPRIL

MMAAYY

MMAAYY

JJUNEUNE

JJUNEUNE

JJULULYY

JJULULYY

JJULULYY

MMAAYY

MMAAYY