All materials within this agreement cannot be shared in any fashion without the express written permission of Group

Trust, LLC.
Any violations will prohibit user or Independent agent from conducting any future business with MIFR or Group Trust, LLC.
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MORTGAGE INVESTORS FRAUD RECOVERY, LLC
Resolving Bank Loan Fraud for Home and Business Property Owners
Group Trust, LLC Exclusive Master Licensee and Authorized Agent
4426-B Hugh Howell Road, Suite 200
Tucker, GA 30084
Tel: 770-939-8283; Fax: 770-939-3177
www.mortgageinvestorsfraudrecovery.com
This opportunity to identify and address fraud related to the origination and handling of your mortgage loan is being made
possible through an alliance of various providers of services through a cooperative with Mortgage Investor Fraud
Recovery, LLC (MIFR). MIFR endeavors to ferret out fraud in the mortgage industry and serve home owners by helping
them get into and stay in homes for themselves and their families. In doing so MIFR finds providers of products and
services to serve its members who share its philosophy and need the various services it offers. The agreement being
offered herein is an example of such a collaboration to resolve the many egregious and unfair business practices of many
lenders and their assignees in this country. Should you choose to move forward to enter into an agreement with the below
providers any fees you pay will include automatic enrollment into the cooperative. Your support will enable MIFR to find
other ways to serve you and your fellow members. By entering into this Agreement you agree to be added to the mailing,
email, fax, text and voice mail list of Group Trust, LLC the program master licensee.
MORTGAGE INVESTOR FRAUD RECOVERY CONSULTATION AND SERVICES
Commercial / Residential Application and Agreement
EACH PROPERTY SUBMITTED REQUIRES A SEPARATE APPLICATION SUBMISSION FORM AND PAYMENT
OF FEES - NO EXCEPTIONS. NO WORK WILL COMMENCE UNTIL FEES HAVE BEEN PAID.
DATE: _______________________
REFERRING INDEPENDENT AGENT: ________________________________ AGENT CELL PHONE: _____________________
CLIENT / APPLICANT NAME: ________________________________________ Contact Number: _________________________
CLIENT / APPLICANT ADDRESS: ____________________________________________________________________________
CLIENT / APPLICANT EMAIL ADDRESS: ______________________________________________________________________
LOAN BEING REFERRED - BORROWERS INFORMATION
BORROWERS NAME(S) (if different than Client): _______________________________________________________________________
PROPERTY ADDRESS: _________________________________________________________________________________
BORROWERS PHONE: _____________________________ CELL PHONE: _____________________________
BORROWERS EMAIL ADDRESS: __________________________________
BORROWERS SSN OR EIN: _____________________ BORROWERS DATE OF BIRTH: _____________________
COPY OF DRIVERS LICENSE: YES NO or OTHER I.D.: ___________________

All materials within this agreement cannot be shared in any fashion without the express written permission of Group Trust, LLC.
Any violations will prohibit user or Independent agent from conducting any future business with MIFR or Group Trust, LLC.
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FIRST MORTGAGE LOAN NUMBER: _________________
CURRENT SERVICER/BANK NAME: _________________________________________________________________
CURRENT LOAN BALANCE $___________________________
COPY OF CURRENT LOAN STATEMENT ATTACHED: YES NO
COPY OF ORIGINAL LOAN MORTGAGE ATTACHED: YES NO
COPY OF ORIGINAL HUD-1 CLOSING STATEMENT ATTACHED: YES NO
**************************************************************************************************************************************************
SECOND MORTGAGE (if any) LOAN NUMBER: ________________________
CURRENT SERVICER/BANK NAME __________________________________________________
CURRENT LOAN BALANCE $_______________________________
COPY OF CURRENT LOAN STATEMENT ATTACHED: YES NO
COPY OF ORIGINAL LOAN MORTGAGE ATTACHED: YES NO
COPY OF ORIGINAL HUD-1 CLOSING STATEMENT ATTACHED: YES NO
************************************************************************************************************************************************
COPY OF APPRAISAL ATTACHED YES NO or COPY OF BPO (Brokers Price Opinion) ATTACHED YES NO
CONDITION REPORT AND/OR LIST OF REPAIRS NEEDED IS ATTACHED: YES NO
IS PROPERTY CURRENTLY IN FORECLOSURE: YES NO DATE OF LAST PAYMENT: _________________
If YES, please note an additional fee of $1,500 will be required if foreclosure sale must be stopped. See paragraph K 3.
HAS PROPERTY ALREADY BEEN FORECLOSED?: YES NO IF YES; DATE OF FORECLOSURE: ____________
ARE THERE ANY OTHER LIENS OR ENCUMBRANCES AGAINST THIS PROPERTY: YES NO
IF YES, WHAT ARE THEY? (Give full details, write on back if need be): ____________________________________________
ORIGINAL BORROWER IS IN BANKRUPTCY: YES NO
IF YES, please indicate type: CHAPTER 13 CHAPTER 7 CHAPTER 11
* THE DEED TO THIS PROPERTY IS CURRENTLY IN THE NAME OF: _____________________________________________
* NOTE: IF CLIENT NAME ABOVE IS DIFFERENT THAN THE ORIGINAL BORROWER ADDITIONAL WORK WILL
BE REQUIRED AND AN ADDITIONAL $1,000 FEE WILL BE DUE.
NOTE: Property Owner is hereinafter referred to as Client
CLIENT PROPOSES THAT CURRENT AFTER REPAIRED MARKET VALUE OF THE PROPERTY IS
$______________________. (This amount determines Service Fee as further described in Paragraph K 7).
SAID AMOUNT SHALL BE REVIEWED BY GROUP TRUST, LLC AND CLIENT SHALL BE NOTIFIED
WITHIN TEN (10) BUSINESS DAYS IF THE VALUE IS FOUND TO BE DIFFERENT. CLIENT HEREWITH
UNDERSTANDS AND AGREES TO ENTER INTO AN ADDENDUM AS TO VALUE IF AFTER REPAIR
VALUE IS FOUND TO BE HIGHER.

All materials within this agreement cannot be shared in any fashion without the express written permission of Group Trust, LLC.
Any violations will prohibit user or Independent agent from conducting any future business with MIFR or Group Trust, LLC.
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TERMS OF APPLICATION
A. INTRODUCTION: Under the National Mortgage Settlement Act, the following is NOT a loan modification, this is a
SETTLEMENT based on specifically identified investors fraud. A program has been developed to help property
owners receive damages due to the fraud. The 50-2-40 program available through Group Trust, LLC offers a fifty
(50%) reduction of the loan on your property BASED upon today's value reflecting it's current condition and current
market value. The settlement will provide a two percent (2%) interest rate loan of the agreed amount for forty
(40) years secured by the property submitted for fraud settlement. Further conditions are explained below.
Mortgage Investors Fraud Recovery, LLC (hereinafter referred to as Consultant or MIFR) is authorized to
identify fraud in mortgage loan documents and settle the original loan amount with a reduction of Fifty (50) % of
current market value, and make available a mortgage loan with terms of a two percent (2%) fixed interest rate
payable over forty (40) years for the above described loan and property information with the following terms and
conditions which must be agreed to before work can commence:
Group Trust, LLC (hereinafter referred to as Group Trust) is acting as the exclusive authorized agent of
MIFR under a master license agreement to market MIFR's services, explain its offering, intake potential clients,
collect fees and dues, execute liens, enforce this agreement and remit payments to the respective parties who
will provide services under this agreement.
B. ITEMS CONTAINED IN SETTLEMENT: Once you contract for our services, diligent research and a detailed
fraud audit will be performed on your loan. If fraud is discovered on your loan, notifications will be made and
negotiations with the investor will be performed. Once an agreement is reached the settlement offer outlined above
will contain or will be negotiated under the following provisions:
1. There is no credit check required.
2. No proof of income or financial status reporting to the investor is needed.
3. This is not a loan modification, it is a settlement.
4. The value/loan reduction is non taxable.
5. This settlement will not generate an IRS form 1099 to the original borrower.
6. The loan will contain no pre-payment penalty.
7. The loan can be assumed by a subsequent buyer of the property.
8. Any past negative credit reporting against the original borrower related to this loan will be removed.
9. The settlement will contain a three month trial period to prove that you intend to pay.
10. The final settlement documents will be disbursed from escrow after the trail period.
11. Failure to pay as and when due according to the terms of the settlement during this period will
result in loss of the settlement.
C. ACCEPTANCE OF OFFER: At the time of finalizing your settlement, you will be receiving final settlement
documents. It will be your decision to accept the settlement offer. However, provided the offer is at least Fifty percent
(50%) of market value reduction for your property (this number may differ from your opinion or an appraisers opinion
of value as this will be a negotiated number with the loan investor) coupled with a loan payable at two percent (2%)
fixed interest rate payable over forty (40) years then the fee due MIFR has been fully earned and all preliminary,
interim and post settlement fees have been earned and/or are due and payable whether or not you complete the
paperwork with the mortgage investor.
D. GUARANTEE: All work detailed herein by MIFR is guaranteed. If for any reason the work cannot be completed,
the client will be reimbursed with a full refund of any amounts received from them subject to the provisions of
paragraph B above. Any mortgage or note executed by client related to this transaction will be satisfied and released
at that time. To insure this provision MIFR has in place a performance bond to insure the guarantee of the refund so
stated.

All materials within this agreement cannot be shared in any fashion without the express written permission of Group Trust, LLC.
Any violations will prohibit user or Independent agent from conducting any future business with MIFR or Group Trust, LLC.
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E. DIFFICULT CLIENT: Until time of settlement, should client become unwieldy or difficult, as determined by MIFR
or Group Trust, MIFR and/or Group Trust reserves the right to cancel this agreement and refund one-half of the
earned amounts paid or due to be paid to it or its representatives. Any balance unpaid by client will still be due and
payable. This provision also applies if it is later found that client failed to disclose additional liens against the subject
property or if any other information stated herein or provided later is found to be purposely incomplete or deceptive.
F. LIEN TO BE ATTACHED: Client agrees to the payments as contained herein. A second (or third) mortgage lien
will be executed by client and will be recorded by Group Trust against the subject property to insure that client will
pay as agreed. Failure to pay as agreed herein is subject to forfeiture or property and a DEED IN LIEU OF
FORECLOSURE shall be recorded as outlined in paragraph 8 below and/or court action for foreclosure shall be
instituted.
G. NOT A LOAN MODIFICATION: Client is informed that this application is NOT a LOAN MODIFICATION in any
way, shape or form. It is a SETTLEMENT from the investor.
H. ANTICIPATED CLOSING DATE: The Company has experienced an average closing of each settlement of six
months from date of application. In some instances we have experienced a lesser time frame. We advise all clients
to expect the six month period as an average. We will make a concerted effort to close earlier when possible. In the
case that a sooner closing occurs, then the balance of any financed payment is due before the settlement
documents can be provided.
I. CANCELLATION: Client has three (3) business days from the date of this application to cancel this agreement.
If, after three (3) business days have elapsed, and there has been no notification by mail to the address above to
cancel, then this application automatically converts into an agreement and all conditions and fees contained herein
are accepted and work will proceed.
J. APPLICATION and CONSULTATION FEES: These are payable to GROUP TRUST who intakes all consulting
applications. Fees are based on the face amount of the loan or the loan balance, whichever is higher. The
application fees are:
Amount of Note or Balance: Application Fee - - plus - - Monthly Support Payment
Below $1,000,000 $3,500 down plus $3,000 payable over six months at $500.00 per month
From $1,000,000 to $1,500,000 $12,000 plus $500 per month (Not to exceed six months)
From $1,500,001 to $2,000,000 $20,000 plus $500 per month (Not to exceed six months)
From $2,000,001 to $3,000,000 $30,000 plus $1,000 per month (Not to exceed six months)
From $3,000,001 to $4,000,000 $40,000 plus $1,000 per month (Not to exceed six months)
From $4,000,001 to $5,000,000 $50,000 plus $1,000 per month (Not to exceed six months)
Note 1: A 5% discount will be credited if Application Fee and all Monthly Support Payments are paid in full up front.
Note 2: Higher loan balance amounts priced upon request.
Note 3: Any payments made by Credit Card are subject to 4% merchant and processing costs added to said payment.
K. ADDITIONAL TERMS, CONDITIONS AND FEES:
1) NO DISCOUNTS: Due to the nature of this service, all files submitted are worked on a first come, first served
basis. The labor applied to each file is intense so multiple properties, whether submitted at the same time or
at different times are NOT eligible for a volume discount. Independent agents of GROUP TRUST on behalf
of Mortgage Investors Fraud Recovery, LLC are NOT authorized to give discounts of any type for this service
and no side deals will be honored.

All materials within this agreement cannot be shared in any fashion without the express written permission of Group Trust, LLC.
Any violations will prohibit user or Independent agent from conducting any future business with MIFR or Group Trust, LLC.
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2) NOT THE ORIGINAL BORROWER: If the party applying for the fraud recovery is NOT the original borrower
additional attention and work must be performed therefore an additional fee of $1,000 per loan will be due,
payable to GROUP TRUST.
3) IMPENDING FORECLOSURE: In the event client is confronted with an upcoming foreclosure sale date,
Mortgage Investor Fraud Recovery is authorized to act as agent for client to intercede and stop the
scheduled sale based on findings of investor fraud. There is an additional fee of $1,500, which is required
and must be paid to GROUP TRUST prior to proceeding with stopping the foreclosure. There is no
guarantee the foreclosure will be stopped but MIFR will proceed to reverse the foreclosure deed if one is
issued.
4) MISSED PAYMENTS: ANY missed or late payments whether for Application Fees, Monthly Support Fees or
trail period payments will cause breach of contract and will stop any further processing and will end the
settlement work under the following schedule:
a. NOTICE OF NON-PAYMENT WILL OCCUR ON OR ABOUT FIVE (5) DAYS AFTER DUE DATE.
b. NOTICE OF IMPENDING DEFAULT WILL OCCUR ON OR ABOUT TEN DAYS (10) OF DUE DATE.
c. NOTICE OF DEFAULT AND CLOSURE OF CASE WILL OCCUR ON OR ABOUT FIFTEEN (15) DAYS OF
DUE DATE AT WHICH TIME WORK WILL CEASE AND THE FILE WILL BE CLOSED.
5) LATE CHARGES: Late payments cause added burdens and additional administrative costs. Therefore ANY
payment received LATE (after date due) incurs LATE CHARGES as follows:
a. 1-5 DAYS (One to Five days) Late Five percent (5%) of the monthly fee due
b. 6-10 DAYS Late (Six to Ten days) Ten percent (10%) of the monthly fee
c. 11-15 DAYS Late (Eleven to Fifteen days) Fifteen percent (15%) of the monthly fee
6) REINSTATEMENT: A one-time reinstatement fee of $1,500 will be due following day FIFTEEN (15) to
restart any work after any missed payment if paid within FORTY-FIVE (45) days of said missed payment.
Otherwise the file will be CLOSED. Therefore reinstatement WILL NOT BE POSSIBLE and an entirely
NEW FEE will be due with the understanding that the ENTIRE AMOUNT of the Application Fee and all
Monthly Support Payments must be paid upfront BEFORE any work will commence.
7) ADDITIONAL FEE AT SETTLEMENT: An additional fee, equal to 10% of the Current Market Value of
Property (see Notes below) will be due upon signing the acceptance. This fee is payable to GROUP
TRUST ON OR BEFORE the completion of the trial period of the settlement agreement.
EXAMPLES:
Example 1 Example 2
Current Property Value $100,000.00 $500,000.00
Settlement Loan Amount $50,000.00 $250,000.00
New Loan Monthly P&I Payment @ 2% for 40 years $151.41 $757.06
Settlement Fee 10% of Current Market Value (see Note 1) $10,000.00 $50,000.00
NOTE 1: The final negotiated settlement loan amount will be based upon a minimum of 50% of the
current market value; however in some cases a reduction in current loan balance will achieve a better
result for the client. Whichever is in the best interest of Client will be negotiated; however. in all cases
the Settlement Fee is calculated and paid based upon 10% of the agreed market value.
NOTE 2: The settlement fee is EARNED at the time final settlement is offered even if you elect not to
accept the offer or refuse to sign the documents.

All materials within this agreement cannot be shared in any fashion without the express written permission of Group Trust, LLC.
Any violations will prohibit user or Independent agent from conducting any future business with MIFR or Group Trust, LLC.
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8) TRIAL PERIOD; AGREEMENT REGARDING DEED IN LIEU OF FORECLOSURE;
FORFEITURE: The settlement agreement stated above executed by client to the investor
will likely contain a payment time period called a trial period. CLIENT AGREES TO
EXECUTE A DEED IN LIEU OF FORECLOSURE TO GROUP TRUST THAT WILL BE
HELD IN ESCROW UNTIL ALL AGREED PAYMENTS ARE MADE AS AGREED. Should
client fail to make any trial period payment in time to be received at least five (5) business
days prior to the due date, AND/OR any Monthly Support Payments, AND/OR the
Settlement payment, AND/OR signing the final settlement documents then GROUP
TRUST shall notify client either by Phone, Fax, Text, Email or U.S. Mail and allow five (5)
days for payment and/or signatures. Should required payment and/or signatures not be
received then Group Trust MAY IMMEDIATELY RECORD THE DEED IN LIEU OF
FORECLOSURE HELD IN ESCROW EXECUTED UPON INCEPTION OF THIS
AGREEMENT AT WHICH TIME BORROWER OR FORMER DEED HOLDER WILL HAVE
NO FURTHER RIGHTS REGARDING THE SUBJECT PROPERTY DUE TO FAILURE TO
COMPLETE THE AGREEMENT. Clients Initials: ______________ ______________
9) COMPLETION OF TRANSACTION: Once CLIENT completes payment of ALL required trial period
payments AND fees, charges and costs owed to GROUP TRUST as outlined herein GROUP TRUST will
SATISFY and RELEASE the Second (or third) Mortgage Lien it obtained at the inception of the trial period.
L. RESTRICTED PRICING: Client shall only pay the amounts shown hereinabove. Should
\any Independent Agent propose any side or added payment other than as shown herein then Client shall
immediately notify MIFR and/or GROUP TRUST at the contact shown herein.
M. RESOLUTION OF ISSUES: This document is constructed in accordance with the laws of the State of Florida.
Any controversies, disputes or problems arising from this agreement shall be first handled through direct
negotiations between the parties. If no resolution can be found then next through confidential mediation with the
addition of a third party licensed mediator. Should resolution not be possible through mediation then the matter
shall be submitted to binding arbitration before 1 or 3 arbitrators in accordance with state law. Any finding of the
arbitrator(s) shall be binding on all the parties. This provision requires the initials of all parties signing below.

_____________ _____________ _____________ _____________
Client Client MIFR, LLC member Group Trust, LLC member
N. CONFIDENTIALITY: Client understands and agrees that the services being provided are unique and valuable. In
the delivery of its services certain of MIFR's and GROUP TRUST's proprietary developed processes, procedures,
forms, formats, formulas, techniques and other information will by necessity be shared. Therefore client(s) agree as
follows:
1) Client will concurrently sign a Non-Disclosure, Non-Compete, Non-Circumvention Agreement.
2) Upon delivery of this document that neither it nor its substance shall be disclosed publicly or privately to
any third party excepting for those who are in a confidential relationship with client related to this
transaction. Said confidential relationship can be, attorney or assignee, insurance agent, named real
estate agent or where so defined by State or Federal Law.
3) Borrower and/or its agents and/or its assignee agree to be bound to this confidentiality upon
acceptance of this agreement.
O. ADDITIONAL STIPULATIONS:

All materials within this agreement cannot be shared in any fashion without the express written permission of Group Trust, LLC.
Any violations will prohibit user or Independent agent from conducting any future business with MIFR or Group Trust, LLC.
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P. CONDITIONS OF ACCEPTANCE OF APPLICATION: This Application / Agreement is intended to be a summary
of the elements needed to hire the herein named consultant to settle issues related to fraud on the above named
clients loan or lien on the above named clients property.
By affixing my/our signature to this document, I/We fully understand and agree to all terms. If not fully
understood seek the advice of council who is also bound by the confidentiality of this agreement.
CLIENT / APPLICANT SIGNATURE: ___________________________________________________________
Print Name: _____________________________
CLIENT / APPLICANT SIGNATURE: ___________________________________________________________
Print Name: _____________________________
REFERRING INDEPENDENT AGENT Signature: ___________________________________________________________
Print Name: _____________________________
GROUP TRUST Authorized Signature: ___________________________________________________________
Print Name: _____________________________
PAYMENT: Enclosed is my payment of $_____________ by Check (Check # __________) and/or Credit
Card made payable to Group Trust, LLC to be applied to application fee and monthly support fees. This
represents my Payment in Full or Initial Application Fee only leaving a balance due of $_________ which
shall be paid to arrive by the first of every month. I will be paying said monthly payment by Check or Credit
Card . I authorize the credit card charge as shown below.
Credit Card Information Visa Master Card Discover AMEX
Credit Card number: ______________________________________________________ Security Code: _______
Name on Card: _________________________________________________ Expiration Date: ______/________
I authorize GROUP TRUST to charge my card $__________________ for the application fee.
I authorize GROUP TRUST to charge my card $____________ per month monthly support fee for six (6) months.
Cardholder Signature: __________________________________________________________
I understand and agree that a 4% merchant and processing fee will be added to any payments paid by credit card.
Note: Your payment may be processed through Trust Associates