Law Offices Of

NISSON, VOSS, and ASSOCIATES

100 North Brand Blvd. Suite 14 Glendale, CA 91203 (888)999-4313 FAX (888) 999-5764 info@nissonlaw.com

ATTORNEY-CLIENT CONTINGENCY FEE AGREEMENT For MASS ACTION JOINDER and Administrative Complaints The Law Offices and lawyers engaged by Twin Builders Foundation Corporation (collectively with any lawyer we affiliate with or engage to work with us on your matter, hereinafter referred to as Attorney, we or us) and the individual or individuals who sign this agreement on the last page (Client or you) hereby agree that Attorney will provide legal Services to Client on the terms set forth below. 1. CONDITIONS a. A Mass Action Lawsuit that you are requesting to participate in is currently being created against Mortgage Electronic Registration Systems, Inc. and Other Defendants. A separate lawsuit will be filed in several jurisdictions in every state. It is possible that the new lawsuits ultimately will be consolidated with other similar cases and it is possible that there will end up being several similar lawsuits, including, among others, the lawsuit in which you are named as a plaintiff. b. To simplify this Agreement, the new lawsuit in which you will be a plaintiff, any other similar or related lawsuits we previously commenced or may hereafter commence, and any consolidation of any of these lawsuits is collectively referred to in this Agreement as Lawsuit. c. This lawsuit will be filed in Federal Court and Client acknowledges and agrees that Client may seek damages of more than $500,000 in the lawsuit; to the extent that Client has a basis to do so. Without limiting anything in this Agreement, regardless of the amount of damages sought by Client, Attorney does not guarantee and could not guarantee that Client will receive the amount of damages, or any damages. Attorney and Client may lose the case in which event Client likely would receive nothing. Attorney does not guarantee the Lawsuit will not be transferred to another court. d. This Agreement will not take effect, and Attorney will have no obligation to provide legal Services (as defined in Paragraph 2, below,) until Attorney decides to add Client as a plaintiff in the new Lawsuit AND Client returns a signed copy of this Agreement to Attorney, whether in person, by fax (entire Agreement, including signature page) to 1-888-999-5764 or by scanning the entire Agreement, including signature page into a PDF and email it to info@nissonlaw.com. Attorney shall have sole discretion whether or not to add Client as a plaintiff in Court. e. Client understands and agrees that Client is and will be part of a group of persons (and potential plaintiffs in the Lawsuit) with similar, but perhaps not identical claims to Client. This situation is discussed further below in this Agreement. As a result of there being a group of persons, we may _____________ (Client Initial Here)

request Client to enter into a certain riders, amendments or addendums to this Agreement as the matters proceed and in order to protect all persons who become plaintiffs in the Lawsuit. Client agrees in good faith to consider these riders, amendments and addendums. If Client declines to sign any such riders, amendments o addendums, Attorney may not be able to include Client in the Lawsuit. 2. SCOPE OF SERVICES. a. Client is hiring Attorney to represent Client in the matter of Clients claims against Mortgage Electronic Registrations Systems Inc. and possibly other defendants and individuals. All such companies and individuals are collectively referred to in this Agreement as Lenders. Attorney and its duly appointed representative will coordinate and work with local lawyers in every other state to pursue Clients claims. b. The scope of the matters to which Attorneys services pertain is meant to be read in the broadest possible sense and would include any matters relating to any subsidiary, successor or affiliate of Lenders; thus, Client would be permitted hereunder to access our services in any such matter to be read in the most expansive definition of what is or is not related to Lenders so long as it pertains to this matter, this broad range of services shall be referred to hereinafter as Services. If a court action is filed, Attorney will represent Client until a settlement or judgment, by way of arbitration or trial, is reached. Attorney will oppose any motion for a new trial or any other post-trial motions filed by an opposing party, or will make any appropriate post-trial motions on Clients behalf. c. Notwithstanding anything to the contrary in this Agreement: (i) the Services do not include assistance with respect to seeking injunctive or other immediate relief with respect to a foreclosure or eviction, provided that (ii) if Attorney agrees to assist in the foregoing, Attorney will be entitled to seek an award of attorney fees from the Lenders for doing so and such fees will be in addition to any compensation provided below in this Agreement for the Services. d. After judgment, Attorney will not represent Client on any appeal, or in any proceeding to execute on the judgment, unless Client and Attorney agree that Attorney will provide such Services and also agree upon additional fees, if any, to be paid to Attorney for such Services. Services in any matter not described above will require a separate written agreement. 3. RESPONSIBILITIES OF THE PARTIES; CONFLICTS. a. Attorney will provide those legal Services reasonably required to represent Client in prosecuting the claims described in Paragraph 2 and will take reasonable steps to keep Client informed of progress and developments. Because there are many plaintiffs. However, when issues specific to your case arise, Attorney will communicate directly with you. Client agrees to be truthful with Attorney, to cooperate, to keep Attorney informed of any information and developments which may come to Clients attention, and to keep Attorney advised of Clients address, telephone number and whereabouts. Client agrees to appear at all legal proceedings when Attorney deems it necessary, and generally to cooperate fully with Attorney in all matters related to the preparation and presentation of Clients claims.

_____________ (Client Initial Here)

b. Notwithstanding the foregoing, to a great degree, our relationship with Client as Clients attorney is governed by both this Agreement and the California Rules of Professional Conduct. The entire text of the Rules of Professional Conduct can be found at http://calbar.ca.gov/calbar/pdfs/rules/Rules Professional-Conduct.pdf c. Of particular importance is Section 3-310 of the California Rules of Professional Conduct, quoted below; we have informed you that we may undertake representation of numerous Clients similarly situated. These clients may all have a unique fact pattern: They may have had their private information stolen; they may have had their identities stolen; they may have fallen victim to unfair business practices by the Lenders; or they may have had each of the foregoing circumstances or any one of them happen. Under Section 3-310, it is theoretically and in fact possible that our representation of each of the Clients may result in a conflict of interest which must be disclosed and waived by each of the Clients. The conflict of interests could be many, but the primary one revolves around the possibility that we may not in our prosecution of your legal rights obtain enough money or consideration to make each of the Clients feel as if they were made whole. In this regard, Section 3-310 provides, among other things. (B) A member shall not concurrently represent clients whose interests conflict, except with their informed written consent. (C) (F) A member who represents two or more clients shall not enter into an aggregate settlement of the claims of or against the clients, except with their informed written consent. As used in this rule informed means full disclosure to the client of the circumstances and advice to the client of any actual or reasonably foreseeable adverse effects of those circumstances upon the representation.

d. By signing this Agreement, you understand that we may have closer relationships with certain clients than with other clients, that each Client we represent has been damaged in differing ways and in varying amounts, that not every Client will be satisfied with any settlement or result we achieve, that we must apportion any result so as to do substantial justice for all of the Clients, and that this involves judgment on our part. We will exercise our judgment fairly and in good faith. e. Notwithstanding these facts, you understand and acknowledge (i) that we have fully explained to you the process of apportioning settlements or results against the Lenders, (ii) you submit to any process that is fair and lawful, (iii) you understand the process may result in our representing conflicting interests and (iv) you now, and forever, hereby consent to our representing these conflicting interests among the Clients and you waive from now until forever any rights under Section 3-310 and any similar law in any jurisdiction in the United States. 4. LEGAL FEES. a. Attorney will only be compensated for legal Services rendered if a recovery is obtained for Client. Client will not pay Attorney any funds at all for Attorney representation of Client in the matters, and Client shall not be responsible for paying Attorney any money to reimburse Attorney for costs incurred in such litigation. The following sets for the fee payable by Client to attorney, which is customarily referred to as a contingency fee. _____________ (Client Initial Here)

(1)

Attorney shall receive a sum equal to Thirty Five percent (35%) of the gross recovery pertaining to Client. Additional Ten Percent (10%) will be donated to the Twin Builders Foundation Corporation (TBFC) to assist all homeowners towards their long term financial wellness. For purposes of this Agreement, the term gross recover means the greater of the following sums: (i) any recovery, judgment or order to pay money to you or any party affiliated with you or acting on your behalf, that is ordered by a court of competent jurisdiction in the litigation or in connection with the Services, including, but not limited to, compensatory damages, punitive damages, treble damages, restitution, all other damages and forms of judicially ordered remuneration, interest, assessments, sanctions and any other monies ordered by such a court in connection with the litigation, and (ii) any money or consideration actually received by you appertaining in any manner to the matters and/or the Services and/or the litigation, whether that sum is received by reason of negotiated settlement, mediation, arbitration, jury award, judge award or otherwise.

(2)

b. To the extent Attorney prevails in the Lawsuit on Clients behalf, Client agrees that Attorney may apply to the Court for an order that the defendants in the Lawsuit shall pay the Clients legal fees. There can be no assurance such an order will be issued, or that the full amount of Clients fees will be paid by the defendants. In any event, if the court orders the defendants to pay all or any portion of Clients Attorney fees, Attorney is directed to apply any such award of attorneys fees in an ethical manner to reduce Clients obligations hereunder by the amount of the award. In the alternative, in the Attorneys discretion, Attorney may replace in whole the contingency fee due hereunder by accepting the attorney fees paid by the defendants. c. The payment of fees under this Paragraph 4 is irrevocable and shall be paid irrespective of any other facts whatsoever, including, without limitation, the amount of work requested by Client and the amount of work performed by Attorney as a result thereof. All proceeds of Clients case are non-refundable and noncreditable, fully earned upon receipt by Attorney. Attorney will pay to Client the share payable to Client after first deducting Attorneys fees and costs from all gross recoveries. 5. NEGOTIABILITY OF FEES. The fees set forth above not set by law, but are negotiable between an Attorney and Client. The foregoing contingency related fees have been arrived at through careful negotiations that included consideration of factors well beyond the amount of time spent and to be spent hereunder, including, without limitation, the novelty and complexity of numerous issues in the matters at hand, the amount of fees, costs and expenses Attorney is anticipated to be actually incurring in connection with any litigation, our familiarity with certain specific areas of law on a variety of issues and topics, the addition of lawyers to work with Attorney who will be compensated by Attorney out of the contingency fee, or otherwise, at no cost to Client, the preclusion of other engagements and opportunities caused by our acceptance of this engagement and Agreement, the magnitude of the Services as Client has described it, Clients strong desire to have us personally perform the Services hereunder, and other considerations. 6. COSTS AND LITIGATION EXPENSES.

_____________ (Client Initial Here)

a. In connection with any litigation, there will be significant costs that will be incurred by Attorney hereunder. These costs may include the following: Travel expenses, facsimile charges (at 10 cents per page), filing fees, service or investigative fees, expert fees, jury fees, court fees, record securement, deposition fees, trial costs, parking, postage, photocopying expenses (at 25 cents per page), phone charges and other standard costs. While Client is not responsible to pay Attorney for these costs, or for any costs. Client agrees that we are entitled to deduct and take a full reimbursement for all such costs in the event of an award as first money out. In certain circumstances connected to an award, we will be entitled to obtain a separate order of repayment from the defendants or adversaries in the litigation to reimburse some or all of the costs. We agree to use our best efforts to do so. b. Although we may deduct the fees and costs paid to paralegals and clerks who assist us in this case, we will absorb out of our fees and share our fees with other lawyers who affiliate in with us or otherwise participate with us to represent you. Such lawyers are considered to be within the definition of Attorney for purposes of this Agreement. However, unless the signatories to this Agreement advise you otherwise, your principal relationship will be with the undersigned and the undersigned will be responsible, on your behalf, for coordination with any other lawyers we bring into the matters to work with us. 7. NO BILLING STATEMENTS. Attorney will not send Client statements regarding the services rendered hereunder. 8. APPROVAL NECESSARY FOR SETTLEMENT. Attorney will not make any settlement or compromise of any nature of any of Clients claims without Clients prior approval. Client retains the absolute right to accept or reject any settlement. Client agrees to consider seriously any settlement offer Attorney recommends before making a decision to accept or reject such offer. Client agrees not to make any settlement or compromise of any nature of any of Clients claims without prior notice to Attorney. 9. LIMITATION OF REPRESENTATION Attorney is representing Client only on the matter described in Paragraph 2. Attorneys representation does not include independent or related matters that may arise, including, among other things, claims for property damage, workers compensation, disputes with a health care provider about the amount owed for their Services, or claims for reimbursement (subrogation) by any insurance company for benefits paid under an insurance policy. This Agreement also does not include defending Client against, or representing Client in any claims that may be asserted against Client as a cross-claim or counter-claim in Clients case. This Agreement does not apply to any other legal matters. If any such matters arise later, Attorney and Client will either negotiate a separate agreement if Client and Attorney agree that Attorney will perform such additional legal work or Client will engage separate counsel with respect to the cross-claim or counter-claim or additional legal work. Some lawyers working on this case do not carry professional indemnity insurance. 10. DISCHARGE AND WITHDRAWAL. a. Client may discharge Attorney at any time, upon written notice to Attorney. Attorney may withdraw from representation of Client (i) with Clients consent, (ii) upon court approval, or (iii) if no court action has been filed, for good cause and upon reasonable notice to Client. Good cause includes Clients breach of this _____________ (Client Initial Here)

contract, Clients refusal to cooperate with Attorney or to follow Attorneys advice on a material matter, or any other fact or circumstance that would render Attorneys continuing representation unlawful or unethical. Notwithstanding Attorneys withdrawal or Clients notice of discharge, and without regard to the reasons for the withdrawal or discharge, Client will pay Attorney for all costs incurred prior to the termination and, in the event that there is any gross recovery obtained by Client after conclusion of Attorneys Services, Client remains obligated to pay Attorney for the reasonable value of all Services rendered from the effective date of this Agreement to the date of discharge. b. If Attorney is discharged or resigns, the fee to which Attorney is entitled shall be not less than one-half of the contingency fee described above in Paragraph 4, nor more than the foregoing percentage fees and will be determined by considering the period until the discharge and the materiality of the contribution of Attorney to the gross recovery obtained by Client. In the event the gross recovery has been sustainably arrived at prior to the discharge, or is equal to or less than a settlement rejected by Client, Attorney will receive the full contingency fee described above. 11. CONCLUSION OF SERVICES. When Attorneys Services conclude, all unpaid charges will immediately become due and payable. After Attorneys Services conclude, upon request, Clients file and property will be delivered to Client, or Clients other attorney, whether or not Client has paid any fees and/or costs owed to Attorney. 12. LIEN. Client hereby grants Attorney a lien on any and all claims or causes of action that are the subject of Attorneys representation under this Agreement. Attorneys lien will be for any sums owing to Attorney for any unpaid costs, or attorneys fees, at the conclusion of Attorneys Services. The lien will attach to any gross recovery, whether obtained by arbitration award, judgment, settlement or otherwise. The effect of such a lien is that Attorney may be able to compel payment of fees and costs from any such funds recovered on behalf of Client even if Attorney has been discharged before the end of the case. Because a lien may affect Clients property rights, Client may seek the advice of an independent lawyer of Clients own choice before agreeing to such a lien. By initialing this paragraph, Client represents and agrees that Client has had a reasonable opportunity to consult such an independent lawyer and whether or not Client has chosen to consult such an independent lawyer. Client agrees that Attorney will have a lien as specified above. Attorney shall further have the right to receive and negotiate any check, draft or cashiers check constituting the proceeds of any payment, settlement sum, or judgment amount may retain therefrom any and all fees and expenses due to Attorney hereunder. Attorney will deposit such sums in Attorneys trust account and thereafter will pay to Client the amounts payable to Client hereunder. This Agreement shall act as a power of attorney to negotiate any draft, receive any wire transfer, check, cashiers check or other negotiable instrument offered as payment to Client. All payments are due in the manner set forth herein and Client agrees to pay prejudgment interest at the legal rate in the event that we are compelled to take action to collect any unpaid sums. 13. DISCLAIMER OF GUARANTEE a. Nothing in this Agreement and nothing in Attorneys statements to Client will be construed as a promise or guarantee about the outcome of this matter. Attorney makes no such promise or guarantees. There can be no assurance that Client will recover any sum in this matter, or obtain any other relief. Attorneys comments about the outcome of this matter are expressions of opinion only. Client acknowledges that _____________ (Client Initial Here)

Attorney has made no promise or guarantees about the outcome. Rather, Client agrees that any statement Attorney has made in the past or do make in the future constitutes a good faith expression of opinion, is tentative, and is not promissory. b. Attorney opinions are guarantees and are subject to revision as matters within the area of our Services may develop or change, or more facts may become known or available. c. In addition to the Clients waiver of conflicts of interests as set forth above, (i) each Clients case is different, (ii) thus, certain Clients who become plaintiffs may be successful in the prosecution of the Lawsuit and others will not. That is one of the reasons it is very important that Client be completely forthright with us, or we will have the right to withdraw from representing Client for good cause in that if Client is not forthright it wastes our time, subjects us to attack in court and could hurt the other persons in the group. d. The areas in this case are new law, changing law and thus it is impossible for lawyers to predict the future pathway for Client and indeed new law is coming down virtually monthly. Client may wish to become a plaintiff in the Lawsuit. However, Attorney has the right to decline to proceed. If Attorney does name Client as a plaintiff, in the Lawsuit Client recognizes and understands that Client may nonetheless lose Clients claims in the Lawsuit, even if other plaintiffs prevail. 15. ENTIRE AGREEMENT. This Agreement constitutes the entire agreement between the parties pertaining to the subject matter contained herein and supersedes all prior and contemporaneous agreements, representations and understandings whether oral, written or both of the parties with respect to the subject matter hereof. There have been no prior or contemporaneous agreements, representations and understandings between the parties and the only agreement that formed the topic of negotiations and discussions is contained herein. No other agreement, statement or compromise made on or before the effective date of this Agreement will be binding on the parties. 16. SEVERABILITY IN EVENT OF PARTIAL INVALIDITY. If any provision of this Agreement is held in whole or in part to be unenforceable for any reason, the remainder of that provision and of the entire Agreement will be severable and remain in effect. To the extent any person attempts to, or does in fact, strike any portion of this Agreement, nothing thereby shall preclude a court of competent jurisdiction from rendering an award of legal fees to Attorney based upon doctrines of law such as quantum meruit. 17. MODIFICATION BY SUSEQUENT AGREEMENT. This Agreement may be modified by subsequent agreement of the parties only by an instrument in writing signed by both of them or an oral agreement only to the extent that the parties carry it out. Accordingly, this Agreement may not be so modified by a writing that is unsigned by one or both of the parties hereto and it may not be modified by any oral amendment, oral agreement or other oral modification. In fact, any oral amendment or written modification that remains unsigned by both parties is invalid in that parties intent that there is no consideration for any future promises that are not contained in writing and the parties specifically wish that this be the case. 18. EFFECTIVE DATE _____________ (Client Initial Here)

This Agreement will govern all legal Services performed by Attorney on behalf of Client commencing with the date Attorney first performed Services. The date at the beginning of the Agreement is for reference only. Even if this Agreement does not take effect, Client will be obligated to pay Attorney the reasonable value of any Services Attorney may have performed for Client. 19. GOVENING LAW; OTHER JURISDICTIONS. This Agreement, governing a relationship with a California-licensed lawyer, is governed by California law. 20. APPROVALS. All parties hereto acknowledge, recite, stipulate and agree that they have received all approvals necessary under fact or law for them to execute this Agreement and enter into this attorney-client relationship. This Agreement is a binding legal document with significant consequences. All parties hereto stipulate and recite that they have been advised by separate counsel with regard to the advisability of entering into this Agreement. IF MORE THAN ONE CLIENT SIGNS BELOW, EACH AGREES TO BE LIABLE JOINTLY AND SEVERALLY FOR ALL OBLIGATIONS UNDER THIS AGREEMENT. THE CLIENT SHALL RECEIVE A FULLY EXECUTED DUPLICATE OF THIS AGREEMENT. Sincerely, For: Law Offices of NISSON, VOSS, and Associates

THE FOREGOING IS AGREED TO AND IS ACCEPTED: Print Name: Print Name: Clients Address: (sign name) (sign name)

Clients Facsimile: Clients Telephone: Clients Mobile: Clients E-mail: _____________ (Client Initial Here)