COUNT EIGHT (Breach of Contract) Counter-Plaintiff incorporates herein the factual allegations of Paragraphs 1- !

" an# further sa$s% &' Counter-(efen#ants an# Counter-Plaintiff entere# into a contract to )o#if$ the ter)s of the Counter-Plaintiff*s loan' Counter-(efen#ants +reache# the Ho)e

,ffor#a+le -o#ification Progra) .oan Trial Perio# (the Contract) #ate# (ece)+er 1" !!/' The Counter-(efen#ants 0iolate# the Contract +$ not con0erting the trial perio# to a per)anent )o#ification after Counter-Plaintiff ha# ti)el$ )a#e the thir# trial perio# pa$)ent" an# after the Counter-(efen#ants ha# accepte# the fourth" fifth" si1th" an# se0enth pa$)ents fro) Counter-Plaintiff' 2' Counter-(efen#ant +reache# the Contract +$ returning all se0en of the trial

perio# pa$)ents (TPP)' The Contract clearl$ a##resses application of the pa$)ents in ' (' as follo3s% The Lender will hold the payments received during the Trial Period in a non-interest bearing account until they total an amount that is enough to pay my oldest delinquent monthly payment on my loan in full. If there is any remaining money after such payment is applied, such remaining funds will be held by the Lender and not posted to my account until they total an amount that is enough to pay the next oldest delinquent monthly payment in full. /' Counter-(efen#ants +reache# the Contract +$ not con0erting the trial perio# into

a per)anent )o#ification after Counter-Plaintiff ha# su+)itte# all of the re4uire# #ocu)ents'

5!' Counter-(efen#ants +reache# the Contract +$ not con0erting the trial perio# into a per)anent loan )o#ification after the #ocu)entation su+)itte# +$ Counter-Plaintiff su+stantiate# that Counter-Plaintiff 4ualifie# for the )o#ification un#er the Contract an# un#er H,-P' 51' Counter-(efen#ants +reache# the Contract +$ not sen#ing Counter-Plaintiff the

re4uire# *5! #a$* letter listing an$ re4uire# )issing #ocu)ents 3ith a ti)e fra)e of 5! #a$s to pro0i#e those #ocu)ents' 5 ' Counter-(efen#ant +reache# the (ee# of Trust" a contract entere# into +$ 6ells 7argo an# Counter-Plaintiff on Octo+er 18" !!&" +$ returning the se0en trial perio# pa$)ents in 0iolation of Con0ent ' ,pplication of Pa$)ents or Procee#s' 6HE9E7O9E" Counter-Plaintiff clai)s :e0en Hun#re# 7ift$ Thousan# (ollars (;&8!"!!!'!!) co)pensator$ #a)ages an# T3o -illion (ollars (; "!!!"!!!'!!) puniti0e #a)ages against Counter-(efen#ants" <ointl$ an# se0erall$" pus costs an# such other relief as <ustice )a$ re4uire'

COUNT NINE (P9O-I::O9= E:TOPPE.) (Breach of Contract) Counter-Plaintiff incorporates herein the factual allegations of Paragraphs 1-5 " an# further sa$s%

55'

Counter-Plaintiff relie# on Counter-(efen#ant 6ells 7argo*s una)+iguous

pro)ise to )o#if$ the ter)s of her loan as she su+)itte# all of the re4ueste# #ocu)ents an# the re4uire# three trial perio# pa$)ents' 5>' Counter-Plaintiff pro0i#e# Counter-(efen#ant an a##itional four )onths to

)a?e goo# on its pro)ise to )o#if$ the loan as Counter-Plaintiff su+)itte# an a##itional four )onths of trial perio# pa$)ents' Counter-Plaintiff relie# on Counter(efen#ants* acceptance of her trial perio# pa$)ent chec?s that her )o#ification 3as still +eing re0ie3e# for a per)anent )o#ification' 58' Counter-Plaintiff relie# on Counter-(efen#ants* representations each ti)e

Counter-Plaintiff calle# in her trial perio# pa$)ents that Counter-(efen#ant #i# not nee# an$ a##itional #ocu)ents to re0ie3 the file for a per)anent )o#ification' 6HE9E7O9E" Counter-Plaintiff clai)s :e0en Hun#re# 7ift$ Thousan# (ollars (;&8!"!!!'!!) co)pensator$ #a)ages an# T3o -illion (ollars (; "!!!"!!!'!!) puniti0e #a)ages against Counter-(efen#ants" <ointl$ an# se0erall$" pus costs an# such other relief as <ustice )a$ re4uire'