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NOTICE OF PRE-FORECLOSURE OPTIONS FLOW CHART






                                                                                      HOMEOWNER MUST
                                                      NOTICE OF                       RESPOND WITHIN 30

                                                 PRE-FORECLOSURE                    DAYS TO ASSERT MEET &

                                                       OPTIONS                            CONFER RIGHT.






                                              IF HOMEOWNER RESPONDS
                                           WITHIN 30 DAYS, HOMEOWNER

                                            HAS AN ADDITIONAL 60 DAYS
                                            TO MEET & CONFER WITH THE

                                           BENEFICIARY BEFORE A NOTICE

                                             OF DEFAULT MAY BE ISSUED




                   NO

            RESOLUTION                                                                     RESOLUTION








                                                     NOTICE OF

                                                      DEFAULT











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