+------------+-------------------------+-------------------------------+
| Attorney   |                         |                               |
| name       |                         |                               |
|            |                         |                               |
| #### Firm  |                         |                               |
| Name (if a |                         |                               |
| pplicable) |                         |                               |
|            |                         |                               |
| Attorney   |                         |                               |
| address    |                         |                               |
|            |                         |                               |
| Attorney   |                         |                               |
| city,      |                         |                               |
| state zip  |                         |                               |
|            |                         |                               |
| Attorney   |                         |                               |
| phone      |                         |                               |
| number,    |                         |                               |
| Attorney   |                         |                               |
| fax number |                         |                               |
|            |                         |                               |
| Attorney   |                         |                               |
| email      |                         |                               |
+------------+-------------------------+-------------------------------+
| ###        |                         |                               |
| UNITED STA |                         |                               |
| TES BANKRU |                         |                               |
| PTCY COURT |                         |                               |
|            |                         |                               |
| ###        |                         |                               |
|  SOUTHERN  |                         |                               |
| DISTRICT O |                         |                               |
| F NEW YORK |                         |                               |
+------------+-------------------------+-------------------------------+
| \-\-       |                         | Case No.   -      (   )       |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         | ### CHAPTER 13 PLAN           |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\--x |                         |                               |
|            |                         |                               |
| In re      |                         |                               |
|            |                         |                               |
| *          |                         |                               |
|            |                         |                               |
|         *, |                         |                               |
|            |                         |                               |
| Debtor(s). |                         |                               |
|            |                         |                               |
| SSN        |                         |                               |
| xxx-x      |                         |                               |
| x-[    ]{. |                         |                               |
| underline} |                         |                               |
| SSN        |                         |                               |
| xxx-x      |                         |                               |
| x-[    ]{. |                         |                               |
| underline} |                         |                               |
|            |                         |                               |
| \-\-       |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\-\- |                         |                               |
| \-\-\-\--x |                         |                               |
+------------+-------------------------+-------------------------------+
| [Plan      |                         |                               |
| Defin      |                         |                               |
| itions]{.u |                         |                               |
| nderline}: |                         |                               |
| If this is |                         |                               |
| a joint    |                         |                               |
| case, use  |                         |                               |
| of the     |                         |                               |
| term       |                         |                               |
| "Debtor"   |                         |                               |
| shall also |                         |                               |
| mean       |                         |                               |
| Debtors.   |                         |                               |
| The term   |                         |                               |
| "Trustee"  |                         |                               |
| shall      |                         |                               |
| always     |                         |                               |
| refer to   |                         |                               |
| Jeffrey L. |                         |                               |
| Sapir, the |                         |                               |
| Chapter 13 |                         |                               |
| Standing   |                         |                               |
| Trustee    |                         |                               |
| for this   |                         |                               |
| court, or  |                         |                               |
| his        |                         |                               |
| s          |                         |                               |
| ubstitute. |                         |                               |
| The term   |                         |                               |
| "          |                         |                               |
| Bankruptcy |                         |                               |
| Rule"      |                         |                               |
| shall      |                         |                               |
| refer to   |                         |                               |
| the        |                         |                               |
| Federal    |                         |                               |
| Rules of   |                         |                               |
| Bankruptcy |                         |                               |
| Procedure. |                         |                               |
| The term   |                         |                               |
| "Local     |                         |                               |
| Rule"      |                         |                               |
| shall      |                         |                               |
| refer to   |                         |                               |
| the Local  |                         |                               |
| Rules of   |                         |                               |
| Bankruptcy |                         |                               |
| Procedure  |                         |                               |
| of the     |                         |                               |
| United     |                         |                               |
| States     |                         |                               |
| Bankruptcy |                         |                               |
| Court for  |                         |                               |
| the        |                         |                               |
| Southern   |                         |                               |
| District   |                         |                               |
| of New     |                         |                               |
| York. The  |                         |                               |
| term       |                         |                               |
| "Petition" |                         |                               |
| refers to  |                         |                               |
| Debtor's   |                         |                               |
| bankruptcy |                         |                               |
| petition   |                         |                               |
| filed with |                         |                               |
| the court  |                         |                               |
| on         |                         |                               |
| [          |                         |                               |
|       ]{.u |                         |                               |
| nderline}, |                         |                               |
| 20[  ]{.u  |                         |                               |
| nderline}. |                         |                               |
|            |                         |                               |
| This is an |                         |                               |
| Amended or |                         |                               |
| Modified   |                         |                               |
| Plan. The  |                         |                               |
| reasons    |                         |                               |
| for filing |                         |                               |
| this       |                         |                               |
| Amended or |                         |                               |
| Modified   |                         |                               |
| Plan are:  |                         |                               |
| [          |                         |                               |
|            |                         |                               |
|            |                         |                               |
|            |                         |                               |
|            |                         |                               |
|            |                         |                               |
|            |                         |                               |
|       ]{.u |                         |                               |
| nderline}. |                         |                               |
|            |                         |                               |
| In all     |                         |                               |
| respects,  |                         |                               |
| this Plan  |                         |                               |
| shall      |                         |                               |
| comply     |                         |                               |
| with the   |                         |                               |
| provisions |                         |                               |
| of the     |                         |                               |
| Bankruptcy |                         |                               |
| Code,      |                         |                               |
| Bankruptcy |                         |                               |
| Rules and  |                         |                               |
| Local      |                         |                               |
| Rules.     |                         |                               |
+------------+-------------------------+-------------------------------+
| #          | The future earnings of  |                               |
|  Section A | Debtor are submitted to |                               |
|            | the supervision and     |                               |
| Plan       | control of the Trustee. |                               |
| Payments   | Debtor will make the    |                               |
| and        | first Plan payment no   |                               |
| Payment    | later than thirty (30)  |                               |
| Duration   | days after the date     |                               |
|            | this Petition was       |                               |
|            | filed. The Debtor shall |                               |
|            | make [  ]{.underline}   |                               |
|            | \[number\] monthly      |                               |
|            | payments to the Trustee |                               |
|            | as follows:             |                               |
|            |                         |                               |
|            | > \$[     ]{.underline} |                               |
|            | > each month, from      |                               |
|            | > \[month\]             |                               |
|            | > [                     |                               |
|            |          ]{.underline}, |                               |
|            | > 20[  ]{.underline}    |                               |
|            | > through \[month\]     |                               |
|            | > [                     |                               |
|            |          ]{.underline}, |                               |
|            | > 20[  ]{.underline}.   |                               |
|            | >                       |                               |
|            | > \$[     ]{.underline} |                               |
|            | > each month, from      |                               |
|            | > \[month\]             |                               |
|            | > [                     |                               |
|            |          ]{.underline}, |                               |
|            | > 20[  ]{.underline}    |                               |
|            | > through \[month\]     |                               |
|            | > [                     |                               |
|            |          ]{.underline}, |                               |
|            | > 20[  ]{.underline}.   |                               |
|            | >                       |                               |
|            | > \$[     ]{.underline} |                               |
|            | > each month, from      |                               |
|            | > \[month\]             |                               |
|            | > [                     |                               |
|            |          ]{.underline}, |                               |
|            | > 20[  ]{.underline}    |                               |
|            | > through \[month\]     |                               |
|            | > [                     |                               |
|            |          ]{.underline}, |                               |
|            | > 20[  ]{.underline}.   |                               |
|            | >                       |                               |
|            | > Lump-sum payment(s)   |                               |
|            | > in the following      |                               |
|            | > amount(s):            |                               |
|            | >                       |                               |
|            | > \$[                   |                               |
|            |           ]{.underline} |                               |
|            | > on                    |                               |
|            | > [                     |                               |
|            |          ]{.underline}, |                               |
|            | > 20[  ;]{.underline}   |                               |
|            | > or, if applicable     |                               |
|            | > (See Section I(3)     |                               |
|            | > below), tax refunds   |                               |
|            | > as follows:           |                               |
|            | > [     ]{.underline}%  |                               |
|            | > or amount not to      |                               |
|            | > exceed                |                               |
|            | > \$[                   |                               |
|            |          ]{.underline}. |                               |
|            |                         |                               |
|            | Pursuant to 11 U.S.C. § |                               |
|            | 1325(b)(4), the         |                               |
|            | applicable commitment   |                               |
|            | period is               |                               |
|            | [  ]{.underline}        |                               |
|            | months.                 |                               |
+------------+-------------------------+-------------------------------+
| Payment    | The Debtor will pay the |                               |
| Terms      | amounts listed above to |                               |
|            | the Trustee by bank     |                               |
|            | check, certified check, |                               |
|            | teller's check, or      |                               |
|            | money order sent to the |                               |
|            | following address:      |                               |
|            |                         |                               |
|            | > Jeffrey L. Sapir,     |                               |
|            | > Esq., Chapter 13      |                               |
|            | > Trustee               |                               |
|            | >                       |                               |
|            | > 399 Knollwood Road,   |                               |
|            | > Suite 102             |                               |
|            | >                       |                               |
|            | > White Plains, New     |                               |
|            | > York 10603            |                               |
+------------+-------------------------+-------------------------------+
|            | **OPTIONAL**: Debtor    |                               |
|            | may pay his or her Plan |                               |
|            | payments to the Trustee |                               |
|            | by way of an employer   |                               |
|            | pay order, pursuant to  |                               |
|            | 11 U.S.C. § 1325(c). If |                               |
|            | Debtor selects this     |                               |
|            | option, please check    |                               |
|            | here:                   |                               |
|            |                         |                               |
|            | Upon selecting this     |                               |
|            | option, Debtor hereby   |                               |
|            | consents to the         |                               |
|            | **immediate** entry of  |                               |
|            | an order directing      |                               |
|            | Debtor's employer to    |                               |
|            | deduct from Debtor's    |                               |
|            | wages the amount        |                               |
|            | specified in this       |                               |
|            | section and transmit    |                               |
|            | that amount directly to |                               |
|            | the Trustee on Debtor's |                               |
|            | behalf. Debtor also     |                               |
|            | agrees to notify the    |                               |
|            | Trustee immediately     |                               |
|            | upon change of          |                               |
|            | employment. A proposed  |                               |
|            | order outlining         |                               |
|            | Debtor's intention      |                               |
|            | shall be submitted to   |                               |
|            | the court for           |                               |
|            | consideration upon the  |                               |
|            | filing of this Plan.    |                               |
|            |                         |                               |
|            | Non-Debtor              |                               |
|            | Contributions. Identify |                               |
|            | the source and monthly  |                               |
|            | amount to be            |                               |
|            | contributed to the Plan |                               |
|            | from any person or      |                               |
|            | entity other than the   |                               |
|            | Debtor (a "Non-Debtor   |                               |
|            | Contributor"):          |                               |
|            | [                       |                               |
|            |                         |                               |
|            |          ]{.underline}. |                               |
|            |                         |                               |
|            | Prior to confirmation   |                               |
|            | of this Plan, each      |                               |
|            | Non-Debtor Contributor  |                               |
|            | must either (1) file an |                               |
|            | affidavit with the      |                               |
|            | court confirming the    |                               |
|            | amounts that will be    |                               |
|            | contributed to the Plan |                               |
|            | or (2) consent to entry |                               |
|            | of an employer pay      |                               |
|            | order for the amount to |                               |
|            | be contributed to the   |                               |
|            | Plan.                   |                               |
+------------+-------------------------+-------------------------------+
| #          |                         |                               |
+------------+-------------------------+-------------------------------+
| #          | Pursuant to 28 U.S.C. § |                               |
|  Section B | 586(e), the Trustee may |                               |
|            | collect the percentage  |                               |
| Trustee's  | fee from all payments   |                               |
| Fee        | and property received,  |                               |
|            | not to exceed 10%.      |                               |
+------------+-------------------------+-------------------------------+
| #          | By checking this box,   |                               |
|  Section C | the Debtor expresses an |                               |
|            | interest in discussing  |                               |
| Loss       | loss mitigation (such   |                               |
| Mitigation | as a loan modification, |                               |
|            | loan refinance, short   |                               |
| (Optional) | sale, or surrender in   |                               |
|            | full satisfaction)      |                               |
| *This      | concerning the Debtor's |                               |
| section    | residential real        |                               |
| applies    | property or cooperative |                               |
| only to    | apartment. List the     |                               |
| the        | property and/or the     |                               |
| Debtor's   | Secured Creditor(s)     |                               |
| r          | below:                  |                               |
| esidential |                         |                               |
| real       | [                       |                               |
| property   |                         |                               |
| or         |          ]{.underline}. |                               |
| c          |                         |                               |
| ooperative | The Debtor hereby       |                               |
| a          | permits the Secured     |                               |
| partment.* | Creditor(s) listed      |                               |
|            | above to contact (check |                               |
| **Section  | all that apply):        |                               |
| D**        |                         |                               |
|            | > The Debtor directly.  |                               |
| Treatment  | >                       |                               |
| of Claims  | > Debtor's bankruptcy   |                               |
|            | > counsel.              |                               |
| See        | >                       |                               |
| Section H, | > Other:                |                               |
| Varying    | > [                     |                               |
| P          |          ]{.underline}. |                               |
| rovisions. |                         |                               |
|            | (Debtor is not required |                               |
|            | to dismiss this         |                               |
|            | bankruptcy Petition     |                               |
|            | during the loss         |                               |
|            | mitigation discussions. |                               |
|            | Any agreement reached   |                               |
|            | during the loss         |                               |
|            | mitigation discussions  |                               |
|            | may be approved         |                               |
|            | pursuant to an amended  |                               |
|            | plan, and the terms may |                               |
|            | be set forth in Section |                               |
|            | H, below.)              |                               |
|            |                         |                               |
|            | Except as otherwise     |                               |
|            | ordered by the court,   |                               |
|            | the Trustee will make   |                               |
|            | disbursements to        |                               |
|            | creditors after the     |                               |
|            | court enters an order   |                               |
|            | confirming this Plan.   |                               |
|            | Unless otherwise        |                               |
|            | provided in Section H   |                               |
|            | (below), disbursements  |                               |
|            | by the Trustee shall be |                               |
|            | *pro rata* as outlined  |                               |
|            | below.                  |                               |
+------------+-------------------------+-------------------------------+
| ###        | **Attorney's fees.**    |                               |
|            | Counsel for the Debtor  |                               |
| ###        | has received a          |                               |
| Category 1 | prepetition retainer of |                               |
|            | \$[                     |                               |
| Attorney's |          ]{.underline}, |                               |
| Fees       | to be applied against   |                               |
| pursuant   | fees and costs          |                               |
| to 11      | incurred. Fees and      |                               |
| U.S.C. §   | costs exceeding the     |                               |
| 507(a)(2). | retainer shall be paid  |                               |
|            | from funds held by the  |                               |
| Not        | Chapter 13 Trustee as   |                               |
| A          | an administrative       |                               |
| pplicable. | expense after           |                               |
|            | application to and      |                               |
|            | approval by the court   |                               |
|            | pursuant to Bankruptcy  |                               |
|            | Rule 2016.              |                               |
+------------+-------------------------+-------------------------------+
| **Category | **Category 2** applies  |                               |
| 2**        | only to claims secured  |                               |
|            | by a mortgage on the    |                               |
| Claims     | real property used as a |                               |
| Secured by | principal residence of  |                               |
| a Mortgage | the Debtor.             |                               |
| on the     |                         |                               |
| Real       | [Category 2             |                               |
| Property   | De                      |                               |
| Used as a  | finitions]{.underline}: |                               |
| Principal  | For the purposes of     |                               |
| Residence  | this Category 2, any    |                               |
| of the     | reference to the term   |                               |
| Debtor     | "Secured Creditor"      |                               |
|            | means mortgagees, a     |                               |
| Not        | creditor whose interest |                               |
| A          | is secured by a         |                               |
| pplicable. | mortgage on Debtor's    |                               |
|            | real property, a holder |                               |
| See        | and/or servicer of a    |                               |
| Section H, | claim secured by a      |                               |
| Varying    | lien, mortgage and/or   |                               |
| P          | deed of trust and/or    |                               |
| rovisions. | any other similarly     |                               |
|            | situated creditor,      |                               |
|            | servicing agent and/or  |                               |
|            | their assigns. The term |                               |
|            | "Mortgage" shall        |                               |
|            | include references to   |                               |
|            | mortgages, liens, deeds |                               |
|            | of trust and any other  |                               |
|            | similarly situated      |                               |
|            | interest in real        |                               |
|            | property used as a      |                               |
|            | principal residence by  |                               |
|            | the Debtor. The term    |                               |
|            | "Contract" shall refer  |                               |
|            | to any contract or      |                               |
|            | similar agreement       |                               |
|            | pertaining to the       |                               |
|            | Mortgage. The term      |                               |
|            | "Prepetition            |                               |
|            | Arrearages" shall refer |                               |
|            | to an amount owed by    |                               |
|            | the Debtor to the       |                               |
|            | Secured Creditor prior  |                               |
|            | to the filing of        |                               |
|            | Debtor's petition. The  |                               |
|            | term "Post-Petition     |                               |
|            | Payment" means any      |                               |
|            | payment that first      |                               |
|            | becomes due and payable |                               |
|            | by the Debtor to the    |                               |
|            | Secured Creditor after  |                               |
|            | the filing of the       |                               |
|            | petition pursuant to    |                               |
|            | the Mortgage or         |                               |
|            | Contract.               |                               |
|            |                         |                               |
|            | Confirmation of this    |                               |
|            | Plan shall impose an    |                               |
|            | affirmative duty on the |                               |
|            | Secured Creditor and    |                               |
|            | Debtor to do all of the |                               |
|            | following, as ordered:  |                               |
|            |                         |                               |
|            | **(a) Prepetition       |                               |
|            | Arrearages.**           |                               |
|            |                         |                               |
|            | \(i\) For purposes of   |                               |
|            | this Plan, Prepetition  |                               |
|            | Arrearages shall        |                               |
|            | include all sums        |                               |
|            | included in the allowed |                               |
|            | claim and shall have a  |                               |
|            | "0" balance upon entry  |                               |
|            | of the Discharge Order  |                               |
|            | in this case. In the    |                               |
|            | event that a Secured    |                               |
|            | Creditor listed in this |                               |
|            | section fails to timely |                               |
|            | file a proof of claim   |                               |
|            | in this case, by this   |                               |
|            | Plan the Debtor shall   |                               |
|            | be deemed to have       |                               |
|            | timely filed a proof of |                               |
|            | claim on behalf of each |                               |
|            | such Secured Creditor   |                               |
|            | pursuant to 11 U.S.C. § |                               |
|            | 501(c), in the amount   |                               |
|            | set forth below in      |                               |
|            | Section D, Category     |                               |
|            | 2(a)(iv).               |                               |
|            |                         |                               |
|            | \(ii\) No interest will |                               |
|            | be paid on Prepetition  |                               |
|            | Arrearages unless       |                               |
|            | otherwise stated.       |                               |
|            |                         |                               |
|            | \(iii\) Payments made   |                               |
|            | by the Trustee on       |                               |
|            | Debtor's Prepetition    |                               |
|            | Arrearages shall be     |                               |
|            | applied **only** to     |                               |
|            | those Prepetition       |                               |
|            | Arrearages and not to   |                               |
|            | any other amount owed   |                               |
|            | by Debtor to the        |                               |
|            | Secured Creditor.       |                               |
|            |                         |                               |
|            | \(iv\) Information      |                               |
|            | Regarding the           |                               |
|            | Arrearages.             |                               |
|            |                         |                               |
|            | <table>                 |                               |
|            | <colgroup>              |                               |
|            | <col                    |                               |
|            | style="width: 25%" />   |                               |
|            | <col                    |                               |
|            | style="width: 24%" />   |                               |
|            | <col                    |                               |
|            | style="width: 25%" />   |                               |
|            | <col                    |                               |
|            | style="width: 24%" />   |                               |
|            | </colgroup>             |                               |
|            | <tbody>                 |                               |
|            | <tr class="odd">        |                               |
|            | <td><p><u>Secured       |                               |
|            | Creditor                |                               |
|            | &amp;</u></p>           |                               |
|            | <h5                     |                               |
|            | id="propert             |                               |
|            | y-description">Property |                               |
|            | Description</h5></td>   |                               |
|            | <td><p><u>Value of      |                               |
|            | Collateral</u></p>      |                               |
|            | <p><u>and Valuation     |                               |
|            | Method</u></p></td>     |                               |
|            | <td><u>Arrearage        |                               |
|            | Amount</u></td>         |                               |
|            | <td><p id="arrearage"   |                               |
|            | cl                      |                               |
|            | ass="heading">Arrearage |                               |
|            | </p>                    |                               |
|            | <p><u>Owed As           |                               |
|            | Of</u></p></td>         |                               |
|            | </tr>                   |                               |
|            | <tr class="even">       |                               |
|            | <td><p>[Name or state   |                               |
|            | “none”]</p>             |                               |
|            | <p><em>[Address and     |                               |
|            | Brief property          |                               |
|            | description]</em></p>   |                               |
|            | <p><em>[Add rows as     |                               |
|            | needed]</em></p></td>   |                               |
|            | <td><                   |                               |
|            | p>$<em>[Value]</em></p> |                               |
|            | <p><em>[Valuation       |                               |
|            | method]</em></p></td>   |                               |
|            | <td>                    |                               |
|            | $<em>[Amount]</em></td> |                               |
|            | <                       |                               |
|            | td><em>[Date]</em></td> |                               |
|            | </tr>                   |                               |
|            | </tbody>                |                               |
|            | </table>                |                               |
|            |                         |                               |
|            | \(v\) If Debtor pays    |                               |
|            | the amount(s) specified |                               |
|            | in section (iv)         |                               |
|            | (above), while making   |                               |
|            | all required            |                               |
|            | Post-Petition Payments  |                               |
|            | (see below), Debtor's   |                               |
|            | mortgage will be        |                               |
|            | reinstated according to |                               |
|            | its original terms,     |                               |
|            | extinguishing any right |                               |
|            | of the Secured Creditor |                               |
|            | to recover any amount   |                               |
|            | alleged to have risen   |                               |
|            | prior to the filing of  |                               |
|            | Debtor's petition.      |                               |
|            |                         |                               |
|            | \(b\) Post-Petition     |                               |
|            | Payments.               |                               |
|            |                         |                               |
|            | Debtor shall pay the    |                               |
|            | following Post-Petition |                               |
|            | Payments directly to    |                               |
|            | the Secured Creditor    |                               |
|            | listed below during the |                               |
|            | pendency of the Plan:   |                               |
|            |                         |                               |
|            | <table>                 |                               |
|            | <colgroup>              |                               |
|            | <col                    |                               |
|            | style="width: 55%" />   |                               |
|            | <col                    |                               |
|            | style="width: 13%" />   |                               |
|            | <col                    |                               |
|            | style="width: 30%" />   |                               |
|            | </colgroup>             |                               |
|            | <tbody>                 |                               |
|            | <tr class="odd">        |                               |
|            | <td><h5                 |                               |
|            | id="se                  |                               |
|            | cured-creditor">Secured |                               |
|            | Creditor &amp;</h5>     |                               |
|            | <p><u>Property          |                               |
|            | D                       |                               |
|            | escription</u></p></td> |                               |
|            | <td><u>Payment          |                               |
|            | Amount</u></td>         |                               |
|            | <td><u>Payment          |                               |
|            | Timing</u></td>         |                               |
|            | </tr>                   |                               |
|            | <tr class="even">       |                               |
|            | <td><p><em>[Name or     |                               |
|            | state                   |                               |
|            | “none”]</em></p>        |                               |
|            | <p><em>[Address Where   |                               |
|            | Post-Petition           |                               |
|            | Payments will be        |                               |
|            | sent]</em></p>          |                               |
|            | <p><em>[Add rows as     |                               |
|            | needed]</em></p></td>   |                               |
|            | <td>                    |                               |
|            | <em>$[Amount]</em></td> |                               |
|            | <td><p><em>[How         |                               |
|            | Often</em></p>          |                               |
|            | <p><em>Payment is       |                               |
|            | Due]</em></p></td>      |                               |
|            | </tr>                   |                               |
|            | </tbody>                |                               |
|            | </table>                |                               |
+------------+-------------------------+-------------------------------+
|            | \(c\) Return and/or     |                               |
|            | Reallocation of         |                               |
|            | Distribution Payment    |                               |
|            | Made to Secured         |                               |
|            | Creditor.               |                               |
|            |                         |                               |
|            | If a Secured Creditor   |                               |
|            | withdraws its claim the |                               |
|            | sum allocated towards   |                               |
|            | the payment of the      |                               |
|            | Secured Creditor's      |                               |
|            | claim shall be          |                               |
|            | distributed by the      |                               |
|            | Trustee to Debtor's     |                               |
|            | remaining creditors. If |                               |
|            | the Secured Creditor    |                               |
|            | has received monies     |                               |
|            | from the Trustee        |                               |
|            | (Distribution Payment), |                               |
|            | these monies are to be  |                               |
|            | returned to the Trustee |                               |
|            | and the monies shall be |                               |
|            | distributed to the      |                               |
|            | Debtor's remaining      |                               |
|            | creditors. If Debtor    |                               |
|            | has proposed a plan     |                               |
|            | that repays his or her  |                               |
|            | creditors in full, then |                               |
|            | these monies will be    |                               |
|            | returned to the Debtor. |                               |
|            |                         |                               |
|            | \(d\) Important         |                               |
|            | Additional Provisions   |                               |
|            |                         |                               |
|            | Secured Creditors in    |                               |
|            | Category 2 must comply  |                               |
|            | with the "Additional    |                               |
|            | Terms Applicable to     |                               |
|            | Creditors and Secured   |                               |
|            | Creditors" in Section   |                               |
|            | E, below, regarding the |                               |
|            | following: (1) any      |                               |
|            | claim for additional    |                               |
|            | amounts during the      |                               |
|            | pendency of the         |                               |
|            | Debtor's case due to a  |                               |
|            | change in the terms of  |                               |
|            | the Mortgage; (2) any   |                               |
|            | claim for Outstanding   |                               |
|            | Obligations (defined    |                               |
|            | below) that may arise   |                               |
|            | during the pendency of  |                               |
|            | the Debtor's case; or   |                               |
|            | (3) any claim for       |                               |
|            | compensation of         |                               |
|            | services rendered or    |                               |
|            | expenses incurred by    |                               |
|            | the Secured Creditor    |                               |
|            | during the pendency of  |                               |
|            | the Debtor's case.      |                               |
|            | Failure to comply with  |                               |
|            | Section E will result   |                               |
|            | in disallowance of such |                               |
|            | claims.                 |                               |
+------------+-------------------------+-------------------------------+
| ###        | Pursuant to 11 U.S.C. § |                               |
|            | 1322(b), Debtor assumes |                               |
| ###        | or rejects the          |                               |
|            | following unexpired     |                               |
| ###        | lease(s) or executory   |                               |
|            | contract(s). For an     |                               |
| ###        | executory contract or   |                               |
| Category 3 | unexpired lease with an |                               |
|            | arrearage to cure, the  |                               |
| Executory  | arrearage will be cured |                               |
| Contracts  | in the Plan with        |                               |
| &          | regular monthly         |                               |
| Unexpired  | payments to be paid     |                               |
| Leases     | directly to the         |                               |
|            | creditor or landlord    |                               |
| Not        | ("Creditor") by the     |                               |
| A          | Debtor. The arrearage   |                               |
| pplicable. | amount will be adjusted |                               |
|            | to the amount set forth |                               |
| See        | in the Creditor's proof |                               |
| Section H, | of claim, unless an     |                               |
| Varying    | objection to such       |                               |
| P          | amount is filed, in     |                               |
| rovisions. | which event it shall be |                               |
|            | adjusted to the amount  |                               |
|            | allowed by the court.   |                               |
+------------+-------------------------+-------------------------------+
|            | \(a\) Assumed.          |                               |
|            |                         |                               |
|            | <table>                 |                               |
|            | <colgroup>              |                               |
|            | <col                    |                               |
|            | style="width: 33%" />   |                               |
|            | <col                    |                               |
|            | style="width: 33%" />   |                               |
|            | <col                    |                               |
|            | style="width: 33%" />   |                               |
|            | </colgroup>             |                               |
|            | <tbody>                 |                               |
|            | <tr class="odd">        |                               |
|            | <td><h6                 |                               |
|            | id="creditor">Creditor  |                               |
|            | &amp;</h6>              |                               |
|            | <p><u>Property          |                               |
|            | D                       |                               |
|            | escription</u></p></td> |                               |
|            | <td><u>Estimated        |                               |
|            | Arrearage               |                               |
|            | Amount</u></td>         |                               |
|            | <td><u>Arrearage        |                               |
|            | Through Date</u></td>   |                               |
|            | </tr>                   |                               |
|            | <tr class="even">       |                               |
|            | <td><blockquote>        |                               |
|            | <p>[Creditor name or    |                               |
|            | state “none”]</p>       |                               |
|            | </blockquote>           |                               |
|            | <p><em>[Address and     |                               |
|            | brief property          |                               |
|            | description]</em></p>   |                               |
|            | <p><em>[Add rows as     |                               |
|            | needed]</em></p></td>   |                               |
|            | <td>                    |                               |
|            | $<em>[Amount]</em></td> |                               |
|            | <                       |                               |
|            | td><em>[Date]</em></td> |                               |
|            | </tr>                   |                               |
|            | </tbody>                |                               |
|            | </table>                |                               |
+------------+-------------------------+-------------------------------+
|            | \(b\) Rejected.         |                               |
|            |                         |                               |
|            | <table>                 |                               |
|            | <colgroup>              |                               |
|            | <col                    |                               |
|            | style="width: 33%" />   |                               |
|            | <col                    |                               |
|            | style="width: 33%" />   |                               |
|            | <col                    |                               |
|            | style="width: 33%" />   |                               |
|            | </colgroup>             |                               |
|            | <tbody>                 |                               |
|            | <tr class="odd">        |                               |
|            | <td><h5                 |                               |
|            | i                       |                               |
|            | d="creditor-1">Creditor |                               |
|            | &amp;</h5>              |                               |
|            | <p><u>Property          |                               |
|            | D                       |                               |
|            | escription</u></p></td> |                               |
|            | <td><h5                 |                               |
|            | id="estimated-arre      |                               |
|            | arage-amount">Estimated |                               |
|            | Arrearage               |                               |
|            | Amount</h5></td>        |                               |
|            | <td><h5                 |                               |
|            | id="arrearage-          |                               |
|            | through-date">Arrearage |                               |
|            | Through                 |                               |
|            | Date</h5></td>          |                               |
|            | </tr>                   |                               |
|            | <tr class="even">       |                               |
|            | <td><p>[Creditor name   |                               |
|            | or state “none”]</p>    |                               |
|            | <p>[Address and brief   |                               |
|            | property                |                               |
|            | description]</p>        |                               |
|            | <p><em>[Add rows as     |                               |
|            | needed]</em></p></td>   |                               |
|            | <td>                    |                               |
|            | $<em>[Amount]</em></td> |                               |
|            | <                       |                               |
|            | td><em>[Date]</em></td> |                               |
|            | </tr>                   |                               |
|            | </tbody>                |                               |
|            | </table>                |                               |
+------------+-------------------------+-------------------------------+
|            | **(c) Post-Petition     |                               |
|            | Payments for Assumed    |                               |
|            | Executory Contracts and |                               |
|            | Unexpired Leases.**     |                               |
|            |                         |                               |
|            | Debtor shall make the   |                               |
|            | following Post-Petition |                               |
|            | Payments directly to    |                               |
|            | the Creditor:           |                               |
|            |                         |                               |
|            | <table>                 |                               |
|            | <colgroup>              |                               |
|            | <col                    |                               |
|            | style="width: 33%" />   |                               |
|            | <col                    |                               |
|            | style="width: 33%" />   |                               |
|            | <col                    |                               |
|            | style="width: 33%" />   |                               |
|            | </colgroup>             |                               |
|            | <tbody>                 |                               |
|            | <tr class="odd">        |                               |
|            | <td><h5                 |                               |
|            | i                       |                               |
|            | d="creditor-2">Creditor |                               |
|            | &amp;</h5>              |                               |
|            | <p><u>Property          |                               |
|            | D                       |                               |
|            | escription</u></p></td> |                               |
|            | <td><u>Payment          |                               |
|            | Amount</u></td>         |                               |
|            | <td><h5                 |                               |
|            | id="                    |                               |
|            | payment-timing">Payment |                               |
|            | Timing</h5></td>        |                               |
|            | </tr>                   |                               |
|            | <tr class="even">       |                               |
|            | <td><p><em>[Creditor    |                               |
|            | name or state           |                               |
|            | “none”]</em></p>        |                               |
|            | <p><em>[Address         |                               |
|            | Post-Petition           |                               |
|            | Payments will be        |                               |
|            | sent]</em></p>          |                               |
|            | <p><em>[Add rows as     |                               |
|            | needed]</em></p></td>   |                               |
|            | <td>$<em>[Amount to     |                               |
|            | be paid]</em></td>      |                               |
|            | <td><em>[How Often      |                               |
|            | Payment is              |                               |
|            | Due]</em></td>          |                               |
|            | </tr>                   |                               |
|            | </tbody>                |                               |
|            | </table>                |                               |
+------------+-------------------------+-------------------------------+
|            | **(d) Important         |                               |
|            | Additional              |                               |
|            | Provisions.**           |                               |
|            |                         |                               |
|            | Creditors in Category 3 |                               |
|            | must comply with the    |                               |
|            | "Additional Terms       |                               |
|            | Applicable to Creditors |                               |
|            | and Secured Creditors"  |                               |
|            | in Section E, below,    |                               |
|            | regarding any of the    |                               |
|            | following: (1) any      |                               |
|            | claim for additional    |                               |
|            | amounts during the      |                               |
|            | pendency of the         |                               |
|            | Debtor's case due to a  |                               |
|            | change in the terms of  |                               |
|            | the executory contract  |                               |
|            | or unexpired lease; (2) |                               |
|            | any claim for           |                               |
|            | Outstanding Obligations |                               |
|            | (defined below) that    |                               |
|            | may arise during the    |                               |
|            | pendency of the         |                               |
|            | Debtor's case; or (3)   |                               |
|            | any claim for           |                               |
|            | compensation of         |                               |
|            | services rendered or    |                               |
|            | expenses incurred by    |                               |
|            | the Creditor during the |                               |
|            | pendency of the         |                               |
|            | Debtor's case. Failure  |                               |
|            | to comply with Section  |                               |
|            | E will result in        |                               |
|            | disallowance of such    |                               |
|            | claims.                 |                               |
+------------+-------------------------+-------------------------------+
|            |                         |                               |
+------------+-------------------------+-------------------------------+
|            |                         |                               |
+------------+-------------------------+-------------------------------+
|            |                         |                               |
+------------+-------------------------+-------------------------------+
| ###        | **Category 4** applies  |                               |
| Category 4 | to claims secured by    |                               |
|            | personal property, a    |                               |
| Claims     | combination of personal |                               |
| Secured by | and real property, and  |                               |
| Personal   | real property not used  |                               |
| Property,  | as the Debtor's         |                               |
| a          | principal residence.    |                               |
| C          |                         |                               |
| ombination | [Category 4             |                               |
| of         | De                      |                               |
| Personal   | finitions]{.underline}: |                               |
| and Real   | The term "Secured       |                               |
| Property,  | Claim" shall refer to   |                               |
| and Real   | claims secured by       |                               |
| Property   | personal property, a    |                               |
| Not Used   | combination of personal |                               |
| as         | and real property, and  |                               |
| Debtor's   | real property not used  |                               |
| Principal  | as the Debtor's         |                               |
| Residence  | principal residence.    |                               |
|            | For purposes of this    |                               |
| Not        | Category 4, any         |                               |
| A          | reference to the term   |                               |
| pplicable. | "Secured Creditor"      |                               |
|            | shall include, in       |                               |
| See        | addition to the         |                               |
| Section H, | definition of Secured   |                               |
| Varying    | Creditor in Category 2, |                               |
| P          | any creditor whose      |                               |
| rovisions. | interest is secured by  |                               |
|            | an interest in any of   |                               |
|            | the Debtor's property.  |                               |
|            |                         |                               |
|            | \(a\) List of Category  |                               |
|            | 4 Claims.               |                               |
|            |                         |                               |
|            | Pursuant to 11 U.S.C. § |                               |
|            | 1325(a), the Secured    |                               |
|            | Creditor listed below   |                               |
|            | shall be paid the       |                               |
|            | amount shown as their   |                               |
|            | Secured Claim under     |                               |
|            | this Plan. However, if  |                               |
|            | the amount listed in    |                               |
|            | the Secured Creditor's  |                               |
|            | proof of claim is less  |                               |
|            | than the amount of the  |                               |
|            | Secured Claim listed    |                               |
|            | below, the lesser of    |                               |
|            | the two amounts will be |                               |
|            | paid. In the event that |                               |
|            | a Secured Creditor      |                               |
|            | listed below fails to   |                               |
|            | timely file a proof of  |                               |
|            | claim in this case, by  |                               |
|            | this Plan the Debtor    |                               |
|            | shall be deemed to have |                               |
|            | timely filed a proof of |                               |
|            | claim on behalf of each |                               |
|            | such Secured Creditor,  |                               |
|            | in the amount set forth |                               |
|            | below.                  |                               |
|            |                         |                               |
|            | <table>                 |                               |
|            | <colgroup>              |                               |
|            | <col                    |                               |
|            | style="width: 24%" />   |                               |
|            | <col                    |                               |
|            | style="width: 17%" />   |                               |
|            | <col                    |                               |
|            | style="width: 26%" />   |                               |
|            | <col                    |                               |
|            | style="width: 17%" />   |                               |
|            | <col                    |                               |
|            | style="width: 13%" />   |                               |
|            | </colgroup>             |                               |
|            | <tbody>                 |                               |
|            | <tr class="odd">        |                               |
|            | <td><h5                 |                               |
|            | id=                     |                               |
|            | "creditor-and">Creditor |                               |
|            | and</h5>                |                               |
|            | <p><u>Property          |                               |
|            | D                       |                               |
|            | escription</u></p></td> |                               |
|            | <td><h5                 |                               |
|            | id="debt-amount">Debt   |                               |
|            | Amount</h5></td>        |                               |
|            | <td><u>Value of         |                               |
|            | Collateral and          |                               |
|            | Valuation               |                               |
|            | Method</u></td>         |                               |
|            | <td><u>Amount To        |                               |
|            | Be<br />                |                               |
|            | Paid on                 |                               |
|            | Claim</u></td>          |                               |
|            | <td><u>Interest         |                               |
|            | Rate</u></td>           |                               |
|            | </tr>                   |                               |
|            | <tr class="even">       |                               |
|            | <td><p>[name,           |                               |
|            | property address and    |                               |
|            | description or state    |                               |
|            | “none”]</p>             |                               |
|            | <p><em>[Add rows as     |                               |
|            | needed]</em></p></td>   |                               |
|            | <td>                    |                               |
|            | <em>$[Amount]</em></td> |                               |
|            | <td><                   |                               |
|            | p><em>$[value]</em></p> |                               |
|            | <p><em>[valuation       |                               |
|            | method]</em></p></td>   |                               |
|            | <td><em>$[Amount to     |                               |
|            | be paid or amount to    |                               |
|            | pay debt in             |                               |
|            | full]</em></td>         |                               |
|            | <td><em>[Interest       |                               |
|            | rate, even if           |                               |
|            | zero]</em></td>         |                               |
|            | </tr>                   |                               |
|            | </tbody>                |                               |
|            | </table>                |                               |
+------------+-------------------------+-------------------------------+
|            | \(b\) Adequate          |                               |
|            | Protection.             |                               |
|            |                         |                               |
|            | If applicable, adequate |                               |
|            | protection shall be     |                               |
|            | provided as follows:    |                               |
|            | [                       |                               |
|            |           ]{.underline} |                               |
|            |                         |                               |
|            | *\[describe and provide |                               |
|            | the basis for           |                               |
|            | calculation, or state   |                               |
|            | not applicable\]*       |                               |
|            |                         |                               |
|            | \(c\) Post-Petition     |                               |
|            | Payments.               |                               |
|            |                         |                               |
|            | Debtor shall pay the    |                               |
|            | following Post-Petition |                               |
|            | Payments directly to    |                               |
|            | the Secured Creditor    |                               |
|            | listed below during the |                               |
|            | pendency of the Plan:   |                               |
|            |                         |                               |
|            | <table>                 |                               |
|            | <colgroup>              |                               |
|            | <col                    |                               |
|            | style="width: 55%" />   |                               |
|            | <col                    |                               |
|            | style="width: 13%" />   |                               |
|            | <col                    |                               |
|            | style="width: 30%" />   |                               |
|            | </colgroup>             |                               |
|            | <tbody>                 |                               |
|            | <tr class="odd">        |                               |
|            | <td><h5                 |                               |
|            | id="secu                |                               |
|            | red-creditor-1">Secured |                               |
|            | Creditor &amp;</h5>     |                               |
|            | <p><u>Property          |                               |
|            | D                       |                               |
|            | escription</u></p></td> |                               |
|            | <td><u>Payment          |                               |
|            | Amount</u></td>         |                               |
|            | <td><u>Payment          |                               |
|            | Timing</u></td>         |                               |
|            | </tr>                   |                               |
|            | <tr class="even">       |                               |
|            | <td><p><em>[Name or     |                               |
|            | state                   |                               |
|            | “none”]</em></p>        |                               |
|            | <p><em>[Address Where   |                               |
|            | Post-Petition           |                               |
|            | Payments will be        |                               |
|            | sent]</em></p>          |                               |
|            | <p><em>[Add rows as     |                               |
|            | needed]</em></p></td>   |                               |
|            | <td>                    |                               |
|            | <em>$[Amount]</em></td> |                               |
|            | <td><p><em>[How         |                               |
|            | Often</em></p>          |                               |
|            | <p><em>Payment is       |                               |
|            | Due]</em></p></td>      |                               |
|            | </tr>                   |                               |
|            | </tbody>                |                               |
|            | </table>                |                               |
|            |                         |                               |
|            | **(d) Return and/or     |                               |
|            | Reallocation of         |                               |
|            | Distribution Payment    |                               |
|            | Made to Secured         |                               |
|            | Creditor.**             |                               |
|            |                         |                               |
|            | If the Secured Creditor |                               |
|            | withdraws its claim     |                               |
|            | and/or returns monies   |                               |
|            | it received from the    |                               |
|            | Trustee (Distribution   |                               |
|            | Payment) to the         |                               |
|            | Trustee, the sum shall  |                               |
|            | be distributed by the   |                               |
|            | Trustee to Debtor's     |                               |
|            | remaining creditors. If |                               |
|            | Debtor has proposed a   |                               |
|            | plan that repays        |                               |
|            | creditors in full,      |                               |
|            | these monies will be    |                               |
|            | returned to the Debtor. |                               |
|            |                         |                               |
|            | \(e\) Important         |                               |
|            | Additional Provisions.  |                               |
|            |                         |                               |
|            | Secured Creditors in    |                               |
|            | Category 4 must comply  |                               |
|            | with the "Additional    |                               |
|            | Terms Applicable to     |                               |
|            | Creditors and Secured   |                               |
|            | Creditors" in Section   |                               |
|            | E, below, regarding the |                               |
|            | following: (1) any      |                               |
|            | claim for additional    |                               |
|            | amounts during the      |                               |
|            | pendency of the         |                               |
|            | Debtor's case due to a  |                               |
|            | change in the terms of  |                               |
|            | the Contract; (2) any   |                               |
|            | claim for Outstanding   |                               |
|            | Obligations (defined    |                               |
|            | below) that may arise   |                               |
|            | during the pendency of  |                               |
|            | the Debtor's case; or   |                               |
|            | (3) any claim for       |                               |
|            | compensation of         |                               |
|            | services rendered or    |                               |
|            | expenses incurred by    |                               |
|            | the Secured Creditor    |                               |
|            | during the pendency of  |                               |
|            | the Debtor's case.      |                               |
|            | Failure to comply with  |                               |
|            | Section E will result   |                               |
|            | in disallowance of such |                               |
|            | claims.                 |                               |
+------------+-------------------------+-------------------------------+
| ###        | All allowed claims      |                               |
| Category 5 | entitled to *pro rata*  |                               |
|            | priority treatment      |                               |
| Priority,  | under 11 U.S.C. § 507   |                               |
| unsecured  | shall be paid in full   |                               |
| claims     | in the following order: |                               |
|            |                         |                               |
| Not        | **(a) Unsecured         |                               |
| A          | Domestic Support        |                               |
| pplicable. | Obligations.**          |                               |
|            |                         |                               |
| See        | Debtor shall remain     |                               |
| Section H, | current on all such     |                               |
| Varying    | obligations that come   |                               |
| P          | due after filing the    |                               |
| rovisions. | Debtor's Petition.      |                               |
|            | Unpaid obligations      |                               |
| ###        | incurred before the     |                               |
|            | Petition date are to be |                               |
| ###        | cured by the Plan       |                               |
|            | payments.               |                               |
| ###        |                         |                               |
|            | [Creditor               |                               |
| ###        | Status]{.underline}     |                               |
|            | [Estimated              |                               |
| ###        | Arrearages]{.underline} |                               |
|            |                         |                               |
| ###        | *\[Status, e.g., child, |                               |
|            | spouse,* \$*\[Amount    |                               |
| ###        | Owed through Date\]*    |                               |
|            |                         |                               |
| ###        | *former spouse or       |                               |
|            | domestic partner\]*     |                               |
| ###        |                         |                               |
|            | *\[Add rows as          |                               |
| ###        | needed\]*               |                               |
|            |                         |                               |
| ###        | \(b\) Other Unsecured   |                               |
| Category 6 | Priority Claims.        |                               |
|            |                         |                               |
| Codebtor   | [Creditor]{.underline}  |                               |
| Claims     | [Type of Priority       |                               |
|            | Debt]{.underline}       |                               |
| Not        | [Amount                 |                               |
| A          | Owed]{.underline}       |                               |
| pplicable. |                         |                               |
|            | *\[Creditor name or     |                               |
| See        | state "none"\]          |                               |
| Section H, | \[description\]*        |                               |
| Varying    | \$*\[Amount\]*          |                               |
| P          |                         |                               |
| rovisions. | *\[Add rows as          |                               |
|            | needed\]*               |                               |
| ###        |                         |                               |
|            | [Category 6             |                               |
| ###        | D                       |                               |
|            | efinition]{.underline}: |                               |
| ###        | The term "Codebtor"     |                               |
| Category 7 | refers to               |                               |
|            | [                       |                               |
| No         |          ]{.underline}. |                               |
| npriority, |                         |                               |
| Unsecured  | The following Codebtor  |                               |
| Claims.    | claim/claims is/are to  |                               |
|            | be paid *pro rata*      |                               |
| Not        | until the allowed       |                               |
| A          | amount of such          |                               |
| pplicable. | claim/claims is/are     |                               |
|            | paid in full.           |                               |
| See        |                         |                               |
| Section H, | ####                    |                               |
| Varying    | # Creditor Codebtor Nam |                               |
| P          | e Estimated Debt Amount |                               |
| rovisions. |                         |                               |
|            | *\[Creditor name or     |                               |
|            | state \[Codebtor        |                               |
|            | Name\]* \$ *\[Amount\]* |                               |
|            |                         |                               |
|            | *"none"\]*              |                               |
|            |                         |                               |
|            | *\[Add rows as          |                               |
|            | needed\]*               |                               |
|            |                         |                               |
|            | Allowed unsecured,      |                               |
|            | nonpriority claims      |                               |
|            | shall be paid *pro      |                               |
|            | rata* from the balance  |                               |
|            | of payments made under  |                               |
|            | the Plan.               |                               |
+------------+-------------------------+-------------------------------+
| ###        | [Section E              |                               |
|  Section E | De                      |                               |
|            | finitions]{.underline}: |                               |
| Additional | The definitions in      |                               |
| Terms      | Section D also apply to |                               |
| Applicable | this Section. The term  |                               |
| to         | "Agreement" includes    |                               |
| Creditors  | any executory contract, |                               |
| and        | unexpired lease,        |                               |
| Secured    | Mortgage (as defined in |                               |
| Creditors  | Section D) or Contract  |                               |
|            | (as defined in Section  |                               |
|            | D).                     |                               |
|            |                         |                               |
|            | **(1) Notice of         |                               |
|            | Contract Change.**      |                               |
|            |                         |                               |
|            | \(a\) At any time       |                               |
|            | during the pendency of  |                               |
|            | Debtor's case, a        |                               |
|            | Creditor or Secured     |                               |
|            | Creditor must file on   |                               |
|            | the Claims Register and |                               |
|            | serve upon the Trustee, |                               |
|            | Debtor, and Debtor's    |                               |
|            | counsel (if             |                               |
|            | applicable), at least   |                               |
|            | thirty (30) days before |                               |
|            | the change is to take   |                               |
|            | place, or a payment at  |                               |
|            | a new amount is due, a  |                               |
|            | notice (the "Notice of  |                               |
|            | Contract Change")       |                               |
|            | outlining any change(s) |                               |
|            | in the amount owed by   |                               |
|            | Debtor under any        |                               |
|            | Agreement, including    |                               |
|            | any change(s) in the    |                               |
|            | interest rate, escrow   |                               |
|            | payment requirement,    |                               |
|            | insurance premiums,     |                               |
|            | change in payment       |                               |
|            | address or other        |                               |
|            | similar matters         |                               |
|            | impacting the amount    |                               |
|            | owed by Debtor under    |                               |
|            | such Agreement (each a  |                               |
|            | "Contract Change").     |                               |
|            | Additional amounts owed |                               |
|            | by the Debtor due to a  |                               |
|            | Contract Change **shall |                               |
|            | be disallowed by the    |                               |
|            | Court** to the extent   |                               |
|            | the amounts (i) were    |                               |
|            | not reflected in a      |                               |
|            | Notice of Contract      |                               |
|            | Change filed as         |                               |
|            | required by this        |                               |
|            | subsection, and (ii)    |                               |
|            | exceed the amount set   |                               |
|            | forth in the proof of   |                               |
|            | claim filed by the      |                               |
|            | Creditor or Secured     |                               |
|            | Creditor or deemed      |                               |
|            | filed under this Plan.  |                               |
|            |                         |                               |
|            | \(b\) Within thirty     |                               |
|            | (30) days of receipt of |                               |
|            | the Notice of Contract  |                               |
|            | Change (defined above), |                               |
|            | Debtor shall either     |                               |
|            | adjust the              |                               |
|            | Post-Petition Payment   |                               |
|            | to the amount set forth |                               |
|            | in the Notice of        |                               |
|            | Contract Change, or     |                               |
|            | file a motion with the  |                               |
|            | court, objecting to the |                               |
|            | payment amount listed   |                               |
|            | in the Notice of        |                               |
|            | Contract Change and the |                               |
|            | stating reasons for the |                               |
|            | objection.              |                               |
|            |                         |                               |
|            | **(2) Notice of         |                               |
|            | Outstanding             |                               |
|            | Obligations.**          |                               |
|            |                         |                               |
|            | \(a\) At any time       |                               |
|            | during the pendency of  |                               |
|            | the Debtor's case, a    |                               |
|            | Creditor or Secured     |                               |
|            | Creditor shall file and |                               |
|            | serve upon the Trustee, |                               |
|            | Debtor, and Debtor's    |                               |
|            | counsel (if applicable) |                               |
|            | a notice containing an  |                               |
|            | itemization of any      |                               |
|            | obligations arising     |                               |
|            | after the filing of     |                               |
|            | this case that the      |                               |
|            | Creditor or Secured     |                               |
|            | Creditor believes are   |                               |
|            | recoverable against the |                               |
|            | Debtor or against the   |                               |
|            | Debtor's property (the  |                               |
|            | "Outstanding            |                               |
|            | Obligations").          |                               |
|            | Outstanding Obligations |                               |
|            | include, but are not    |                               |
|            | limited to, all fees,   |                               |
|            | expenses, or charges    |                               |
|            | incurred in connection  |                               |
|            | with any Agreement,     |                               |
|            | such as any amounts     |                               |
|            | that are due or past    |                               |
|            | due related to unpaid   |                               |
|            | escrow or escrow        |                               |
|            | arrearages; insurance   |                               |
|            | premiums; appraisal     |                               |
|            | costs and fees; taxes;  |                               |
|            | costs associated with   |                               |
|            | the maintenance and/or  |                               |
|            | upkeep of the property; |                               |
|            | and other similar       |                               |
|            | items. Within thirty    |                               |
|            | (30) days after the     |                               |
|            | date such Outstanding   |                               |
|            | Obligations were        |                               |
|            | incurred, a Notice of   |                               |
|            | Outstanding Obligations |                               |
|            | shall be filed on the   |                               |
|            | Claims Register, sworn  |                               |
|            | to by the Creditor or   |                               |
|            | Secured Creditor        |                               |
|            | pursuant to 28 U.S.C. § |                               |
|            | 1746, referencing the   |                               |
|            | paragraph(s) (or        |                               |
|            | specific section(s) and |                               |
|            | page number(s)) in the  |                               |
|            | Agreement that allows   |                               |
|            | for the reimbursement   |                               |
|            | of the services and/or  |                               |
|            | expenses.               |                               |
|            |                         |                               |
|            | \(b\) The Debtor        |                               |
|            | reserves the right to   |                               |
|            | file a motion with the  |                               |
|            | court, objecting to the |                               |
|            | amounts listed in the   |                               |
|            | Notice of Outstanding   |                               |
|            | Obligations and stating |                               |
|            | the reasons for the     |                               |
|            | objection. The          |                               |
|            | bankruptcy court shall  |                               |
|            | retain jurisdiction to  |                               |
|            | resolve disputes        |                               |
|            | relating to any Notice  |                               |
|            | of Outstanding          |                               |
|            | Obligations.            |                               |
|            |                         |                               |
|            | **(3) Application for   |                               |
|            | Reimbursement of Costs  |                               |
|            | and Fees.**             |                               |
|            |                         |                               |
|            | Pursuant to Bankruptcy  |                               |
|            | Rule 2016 and Local     |                               |
|            | Rule 2016-1, a Creditor |                               |
|            | or Secured Creditor     |                               |
|            | must file an            |                               |
|            | application with the    |                               |
|            | court if it wishes to   |                               |
|            | be compensated for      |                               |
|            | services it rendered or |                               |
|            | expenses that were      |                               |
|            | incurred after Debtor's |                               |
|            | filing of this Petition |                               |
|            | and before the issuance |                               |
|            | of the Notice of        |                               |
|            | Discharge. The          |                               |
|            | application shall list  |                               |
|            | every fee or cost       |                               |
|            | associated with the     |                               |
|            | cost of its collection  |                               |
|            | such as attorneys'      |                               |
|            | fees, court fees and    |                               |
|            | expenses and other      |                               |
|            | similar items incurred  |                               |
|            | by the Creditor or      |                               |
|            | Secured Creditor after  |                               |
|            | Debtor's filing of this |                               |
|            | Petition and before the |                               |
|            | issuance of the Notice  |                               |
|            | of Discharge. The       |                               |
|            | application shall       |                               |
|            | include a statement     |                               |
|            | sworn to by the         |                               |
|            | Creditor or Secured     |                               |
|            | Creditor pursuant to 28 |                               |
|            | U.S.C. § 1746 that      |                               |
|            | references the          |                               |
|            | paragraph number(s) (or |                               |
|            | specific section(s) and |                               |
|            | page number(s)) in the  |                               |
|            | Agreement that allows   |                               |
|            | for the reimbursement   |                               |
|            | of the services and/or  |                               |
|            | expenses. A Creditor or |                               |
|            | Secured Creditor may    |                               |
|            | request approval of     |                               |
|            | multiple fees and       |                               |
|            | expenses in a single    |                               |
|            | application, and any    |                               |
|            | application under this  |                               |
|            | subsection must be      |                               |
|            | filed not later than    |                               |
|            | thirty (30) days after  |                               |
|            | the issuance of the     |                               |
|            | Notice of Discharge in  |                               |
|            | this case. **Failure to |                               |
|            | comply with the         |                               |
|            | provisions in this      |                               |
|            | subsection shall result |                               |
|            | in disallowance by the  |                               |
|            | Court of such fees and  |                               |
|            | expenses.** The Debtor  |                               |
|            | reserves the right to   |                               |
|            | object to any           |                               |
|            | application filed under |                               |
|            | this subsection. This   |                               |
|            | subsection will not     |                               |
|            | apply to the extent     |                               |
|            | that the court has      |                               |
|            | previously approved a   |                               |
|            | Creditor or Secured     |                               |
|            | Creditor's fees or      |                               |
|            | expenses pursuant to an |                               |
|            | order or conditional    |                               |
|            | order.                  |                               |
+------------+-------------------------+-------------------------------+
| ###        | Except those expunged   |                               |
|  Section F | by order after          |                               |
|            | appropriate notice      |                               |
| Lien       | pursuant to a motion or |                               |
| Retention  | adversary proceeding, a |                               |
|            | Secured Creditor shall  |                               |
| ###        | retain its liens as     |                               |
|  Section G | provided in 11 U.S.C. § |                               |
|            | 1325(a).                |                               |
| S          |                         |                               |
| urrendered | Debtor surrenders the   |                               |
| Property   | following property and  |                               |
|            | upon confirmation of    |                               |
| Not        | this Plan or as         |                               |
| A          | otherwise ordered by    |                               |
| pplicable. | the court, bankruptcy   |                               |
|            | stays are lifted as to  |                               |
| **Section  | the collateral to be    |                               |
| H**        | surrendered.            |                               |
|            |                         |                               |
| Varying    | +---------+---------+   |                               |
| Provisions | | [       | [P      |   |                               |
|            | | Claiman | roperty |   |                               |
| ###        | | t]{.und | To Be   |   |                               |
|            | | erline} | Sur     |   |                               |
| ###        | |         | rendere |   |                               |
|  Section I | |         | d]{.und |   |                               |
|            | |         | erline} |   |                               |
| Tax        | +---------+---------+   |                               |
| Returns,   | | *\[Name | *       |   |                               |
| Operating  | | or      | \[Brief |   |                               |
| Reports    | | state   | desc    |   |                               |
|            | | "n      | ription |   |                               |
| and Tax    | | one"\]* | of      |   |                               |
| Refunds    | |         | prop    |   |                               |
|            | | *\[Add  | erty\]* |   |                               |
|            | | rows as |         |   |                               |
|            | | ne      |         |   |                               |
|            | | eded\]* |         |   |                               |
|            | +---------+---------+   |                               |
|            |                         |                               |
|            | The Debtor submits the  |                               |
|            | following provisions    |                               |
|            | that vary from the      |                               |
|            | Local Plan Form,        |                               |
|            | Sections (A) through    |                               |
|            | (G):                    |                               |
|            |                         |                               |
|            |   --------------------  |                               |
|            |   *\[Please state       |                               |
|            |   "none," or state the  |                               |
|            |   provision with        |                               |
|            |   reference to          |                               |
|            |   relevant              |                               |
|            |   paragraphs.\]*        |                               |
|            |                         |                               |
|            |   --------------------  |                               |
|            |                         |                               |
|            | **(1) Tax Returns.**    |                               |
|            | While the case is       |                               |
|            | pending, the Debtor     |                               |
|            | shall timely file tax   |                               |
|            | returns and pay taxes   |                               |
|            | or obtain appropriate   |                               |
|            | extensions and send a   |                               |
|            | copy of either the tax  |                               |
|            | return or the extension |                               |
|            | to the Trustee pursuant |                               |
|            | to 11 U.S.C. § 521(f)   |                               |
|            | within thirty (30) days |                               |
|            | of filing with the      |                               |
|            | taxing authority.       |                               |
|            |                         |                               |
|            | **(2) Operating         |                               |
|            | Reports.** If Debtor is |                               |
|            | self-employed or        |                               |
|            | operates a business     |                               |
|            | either individually or  |                               |
|            | in a corporate          |                               |
|            | capacity, Debtor shall  |                               |
|            | provide the Trustee     |                               |
|            | with monthly operating  |                               |
|            | reports throughout the  |                               |
|            | entirety of the case.   |                               |
|            |                         |                               |
|            | **(3) Tax Refunds.**    |                               |
|            | The Debtor may          |                               |
|            | voluntarily elect to    |                               |
|            | contribute tax refunds  |                               |
|            | as lump-sum payments in |                               |
|            | Section A of this Plan. |                               |
|            | Unless the Debtor has   |                               |
|            | proposed a plan that    |                               |
|            | repays his or her       |                               |
|            | creditors in full, the  |                               |
|            | court may order the     |                               |
|            | Debtor to contribute a  |                               |
|            | portion of the tax      |                               |
|            | refunds to the Plan.    |                               |
|            | The amount to be        |                               |
|            | contributed shall be    |                               |
|            | determined by the court |                               |
|            | on a case-by-case       |                               |
|            | basis.                  |                               |
+------------+-------------------------+-------------------------------+

  ------------- ---------------------------------------------------------
                

                
  ------------- ---------------------------------------------------------

+------------+---------------------------------------------------------+
| **Section  | Debtor will cure any funding shortfall before the Plan  |
| J**        | is deemed completed.                                    |
|            |                                                         |
| Funding    | \(1\) *Insurance*. Debtor shall maintain insurance as   |
| Shortfall  | required by law, contract, security agreement or Order  |
|            | of this court.                                          |
| ###        |                                                         |
|  Section K | \(2\) *Payment Records to Trustee*. Debtor shall keep   |
|            | and maintain records of payments made to Trustee.       |
| Debtor's   |                                                         |
| Duties     | \(3\) *Payment Records to Secured Creditor(s)*. Debtor  |
|            | shall keep and maintain records of post-petition        |
|            | payments made to Secured Creditor(s).                   |
|            |                                                         |
|            | \(4\) *Donation Receipts*. Where applicable, Debtor     |
|            | shall keep a record of all charitable donations made    |
|            | during the pendency of this case and maintain receipts  |
|            | received.                                               |
|            |                                                         |
|            | \(5\) *Domestic Support Obligation(s)*. Debtor shall    |
|            | maintain a record of all domestic support obligation    |
|            | payments paid directly to the recipient pursuant to a   |
|            | separation agreement, divorce decree, applicable child  |
|            | support collection unit order or other court's order.   |
|            |                                                         |
|            | \(6\) *Change in Address.* Debtor must notify the court |
|            | and the Trustee if the address or contact information   |
|            | changes during the pendency of the case. Notification   |
|            | must be made in writing within fifteen (15) days of     |
|            | when the change takes place.                            |
|            |                                                         |
|            | \(7\) *Disposal of Property.* Debtor shall not sell,    |
|            | encumber, transfer or otherwise dispose of any real     |
|            | property or personal property with a value of more than |
|            | \$1,000 without first obtaining court approval.         |
+------------+---------------------------------------------------------+

+------------+---------------------------------------------------------+
| ##         | Dated: [               ]{.underline}, New York          |
| # Debtor's |                                                         |
|  Signature | [                         ]{.underline},                |
|            | 20[  ]{.underline}.                                     |
| **         |                                                         |
| Attorney's | [                                        ]{.underline}  |
| S          | [                                   ]{.underline}       |
| ignature** |                                                         |
|            | Debtor Debtor                                           |
| Not        |                                                         |
| A          | [                                        ]{.underline}  |
| pplicable. | [                                   ]{.underline}       |
|            |                                                         |
|            | Address Address                                         |
|            |                                                         |
|            | [                                        ]{.underline}  |
|            | [                                   ]{.underline}       |
|            |                                                         |
|            | Attorney for Debtor Date                                |
+------------+---------------------------------------------------------+
| ### Att    | I, the undersigned attorney for the Debtor, hereby      |
| orney Cert | certify that the foregoing chapter 13 Plan conforms to  |
| ification  | the pre-approved chapter 13 plan promulgated pursuant   |
|            | to \[Local Bankruptcy Rule \_\_\_\_\_\] of the United   |
|            | States Bankruptcy Court for the Southern District of    |
|            | New York.                                               |
|            |                                                         |
|            | [                                        ]{.underline}  |
|            | [                                   ]{.underline}       |
|            |                                                         |
|            | Attorney for Debtor Date                                |
+------------+---------------------------------------------------------+
| ###        |                                                         |
+------------+---------------------------------------------------------+