**Exhibit D**

**[Local Bankruptcy Form 315.1, 13 Plan]{.underline}**

\[Caption as in Bankruptcy Official Form No. 16B\]

**\[DO NOT DELETE ANY PROVISION OF THIS FORM**

**MARK PROVISIONS THAT DO NOT APPLY AS N/A**

**ANY ADDITIONAL PROVISIONS MUST BE RECITED IN PART IV. G**\]

**Chapter 13 Plan**

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

(Date of Plan)

**I. [PLAN ANALYSIS]{.underline}**

**A.** TOTAL DEBT PROVIDED FOR UNDER THE PLAN AND ADMINISTRATIVE
EXPENSES

1\. Total Priority Claims (Class One)

a\. Unpaid attorney\'s fees \$

Total attorney\'s fees are estimated to be \$ of which \$ has been
prepaid.

b\. Unpaid attorney=s costs (estimated) \$

c\. Total Taxes \$

Federal:\_\_\_\_\_\_\_\_\_\_\_\_ ; State:\_\_\_\_\_\_\_\_\_\_\_\_\_

d\. Other \$

2\. Total of payments to cure defaults (Class Two) \$

3\. Total payment on secured claims (Class Three) \$

4\. Total of payments on unsecured claims (Class Four) \$

5\. Sub-total \$

6\. Total trustee\'s compensation (10% of debtor\'s payments) \$

7\. Total debt and administrative expenses \$

**B.** RECONCILIATION WITH CHAPTER 7

1\. Assets available to Class Four unsecured creditors if Chapter 7
filed

a\. Value of debtor\'s interest in non-exempt property \$

  ------------------------ ------------------- --------------------- --------------------- ------------------------ -------------------------- --------------------
  [Property]{.underline}   [FMV]{.underline}   less                  less                  X [Debtor=s]{.underline} less                       = [Net
                                               [Costs]{.underline}   [Liens]{.underline}   [Interest]{.underline}   [Exemptions]{.underline}   Value]{.underline}
                                               [of Sale]{.underline}                                                                           

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

b\. Plus: value of property recoverable under avoiding powers \$

c\. Less: estimated Chapter 7 administrative expenses \$

d\. Less: amounts payable to priority creditors other than

costs of administration \$

e\. Equals: estimated amount payable to Class Four

creditors if Chapter 7 filed (if negative, enter zero) \$

2\. Estimated payment to Class Four unsecured creditors under the
Chapter 13 Plan \$

plus any funds recovered from Aother property@ described in Section
II.A.3 below.

**II. [PROPERTIES AND FUTURE EARNINGS SUBJECT TO THE SUPERVISION AND
CONTROL OF THE TRUSTEE]{.underline}**

**A.** The debtor submits to the supervision and control of the Trustee
all or such portion of the debtor\'s future earnings or other future
income as is necessary for the execution of the Plan, including:

1\. Future earnings of \$ per month which shall be paid to the trustee
for a period of

approximately months, beginning , 20 .

2\. Amounts necessary for the payment of Class Five post-petition
claims: \$ .

3\. Other property (specify): .

**B.** Debtor agrees to make payments under the Plan as follows:

GVOLUNTARY WAGE ASSIGNMENT TO EMPLOYER: G DIRECT PAYMENT: From Debtor to
Trustee

(Employer=s Name, address, telephone number)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

(\_\_\_\_)\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Paid in the following manner:

\$ to be deducted [\_\_\_\_\_\_\_\_\_\_\_\_\_\_]{.underline} (weekly,
monthly, per pay period, etc.)

**III. [CLASSIFICATION AND TREATMENT OF CLAIMS]{.underline}**

**A. [Class One \-- Claims entitled to priority under \' 507, Title 11,
United States Code]{.underline}**[.]{.underline} Unless other provision
is made in paragraph III(C), each creditor in Class One shall be paid in
full in deferred cash payments prior to the commencement of
distributions to any other class (except that the payments to the
Trustee shall be made by deduction from each payment made by the debtor
to the Trustee) as follows:

1\. Allowed administrative expenses

\(a\) Trustee\'s compensation (10% of amounts paid by debtor under this
Plan) \$

\(b\) Attorney\'s Fees (estimated and subject to allowance) \$

\(c\) Attorney\'s Costs (estimated and subject to allowance) \$

2\. Federal Taxes \$

> 3\. State Taxes \$
>
> 4\. Other Taxes
> (describe)\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
> \$

5\. Other Class One Claims (if any) \$

> \[ \] None
>
> \[ \] Priority support arrearage: Debtor owes past due support to in
> the total amount of \$\_\_\_\_\_\_\_\_\_\_\_\_\_\_ that will be paid
> as follows:
>
> \[ \] Distributed by the Trustee pursuant to the terms of the Plan; or
>
> \[ \] Debtor is making monthly payments via a wage order \[ \] or
> directly \[ \] (reflected on Schedule I or J) in the amount of \$ to .
> Of that monthly amount, \$ is for current support payments and \$ is
> to pay the arrearage.
>
> \[ \] Other:

**B. [Class Two \-- Defaults]{.underline}**

> **1**. **[Class Two A (if none, indicate) \-- Claims set forth below
> are secured *only by an interest in real property that is the
> debtor\'s principal residence*]{.underline}***.* Defaults shall be
> cured and regular payments shall be made.

\[ \] None

  --------------------- ----------- ---------- ----------- -------- ----------------
  Creditor              Total       Interest   Total       No. of   Regular Payment
                        Default     Rate       Amount to   Months   per \_\_\_ (i.e.
                        Amount to              Cure        to Cure  month, week,
                        be                     Arrearage            etc.) to be Made
                        Cured[^1]                                   Directly to
                                                                    Creditor and
                                                                    Date of First
                                                                    Payment

                                                                    

                                                                    

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

> **2. [Class Two B (if none, indicate) BPursuant to 11 U.S.C.
> \'1322(b)(5), secured (*other than claims secured only by an interest
> in real property that is the debtor\'s principal residence*) or
> unsecured claims set forth below on which the last payment is due
> after the date on which the final payment under the Plan is
> due]{.underline}**. Defaults shall be cured and regular payments shall
> be made:
>
> \[ \] None

  ----------------- ------------ ---------- ---------- ----------- -------- ----------------
  Creditor          Collateral   Total      Interest   Total       No. of   Regular Payment
                                 Default    Rate       Amount to   Months   per \_\_\_ (i.e.
                                 Amount to             Cure        to Cure  month, week,
                                 be                    Arrearage            etc.) to be Made
                                 Cured^1^                                   Directly to
                                                                            Creditor and
                                                                            Date of First
                                                                            Payment

                                                                            

                                                                            

                                                                            

                                                                            

                                                                            

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

> **3. [Class Two C B Executory contracts and unexpired
> leases.]{.underline}** Executory contracts and unexpired leases are
> rejected, except the following which are assumed:

  ----------------- ------------------ ----------- --------- --------------
  Other Party to    Property, if any,  Total       No. of    Regular
  Lease or Contract Subject to the     Amount to   Months to Monthly
                    Contract or Lease  Cure, if    Cure      Payment Made
                                       any                   Directly to
                                                             Creditor and
                                                             Date of First
                                                             Payment

                                                             

                                                             

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

*In the event that debtor rejects the lease or contract, creditor shall
file a proof of claim or amended proof of claim reflecting the rejection
of the lease or contract within 30 days of the entry of the order
confirming this plan, failing which the claim may be barred.*

**C. [Class Three \-- All other allowed secured claims (*other than
those designated in Classes 2A and 2B above*) shall be divided into
separate classes and provided for as
follows]{.underline}**[:]{.underline}

> 1\. The following creditors shall retain the liens securing their
> claims, and they shall be paid the amount specified which represents
> the lesser of:
>
> \(A\) the value of their collateral or
>
> \(B\) the remaining balance payable on the debt over the period
> required to pay the sum in full.

  ---------------- ----------- ------------- ------------ ----------- ---------- ---------
  Creditor         Specify     Description   Fair Market  Amount of   Interest   Total
                   Treatment   of Collateral Value of     Debt as     Rate       Amount
                   (select A                 Collateral   Scheduled              Payable
                   or B above)                                                   

                                                                                 

                                                                                 

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

*If debtor is proposing to modify the rights of a secured creditor,
debtor must specifically serve such creditor in the manner specified in
Fed.R.Bankr.P. 9014 and 7004.*

> 2\. The debtor surrenders the following property securing an allowed
> secured claim to the holder of such claim:

  ----------------------- ----------------------- -----------------------
  Creditor                Property                Anticipated Date of
                                                  Surrender

                                                  

                                                  

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

Relief from the automatic stay to permit enforcement of the liens
encumbering surrendered property shall be deemed granted by the Court at
the time of confirmation of this Plan. With respect to property
surrendered, no distribution on the creditor=s claim shall be made
unless that creditor shall file a proof of claim or an amended proof of
claim to take into account the surrender of the property.

3\. **Adequate Protection**: The following creditor(s) shall receive
payments in the nature of adequate protection as follows:

  ----------------- --------------- ------------ ------------ ------------
  Creditor          Collateral      Adequate     Adequate     Number of
                                    Protection   Protection   Months Until
                                    Payment Paid Payment Paid Regular
                                    Through the  By the       Payments
                                    Trustee      Debtor(s)    Under Plan

                                                              

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

> \[ \] None

**D. [Class Four \-- Allowed unsecured claims not otherwise referred to
in the Plan.]{.underline}** Class Four Claims are provided for as
follows (check one):

> 1\. \[ \] Class Four claims are of one class and shall be paid pro
> rata % of such claims (or shall share pro rata the sum of \$ ) and
> shall be paid all funds remaining after payment by the Trustee of all
> prior classes; or
>
> 2\. \[ \] Class Four claims are divided into more than one class as
> follows:

**E. [Class Five \-- Post-petition claims allowed under \' 1305, Title
11, United States Code]{.underline}**[.]{.underline} Post-petition
claims allowed under \' 1305 shall be paid as follows: .

> \[ \] None

**IV. [OTHER PROVISIONS]{.underline}**

**A.** Payment will be made directly to the creditor by the Debtor(s) on
the following claims:

  --------------------- ------------------------- -------------- ---------
  Creditor              Collateral, if any        Monthly        No. of
                                                  Payment Amount Months to
                                                                 Payoff

                                                                 

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

**B.** The effective date of this Plan shall be the date of entry of the
Order of Confirmation.

**C. ORDER OF DISTRIBUTION**:

> 1\. \[ \] The amounts to be paid to the Class One creditors shall be
> paid in full, except that the Chapter 13 Trustee=s fee shall be paid
> up to, but not more than, the amount accrued on actual payments made
> to date. After payment of the Class One creditors, the amounts to be
> paid to cure the defaults of the Class Two A, Class Two B and Class
> Two C creditors shall be paid in full before distributions to
> creditors in classes Three, Four, and Five (strike any portion of this
> sentence which is not applicable). The amounts to be paid to the Class
> Three creditors shall be paid in full before distributions to
> creditors in classes Four and Five. Distributions under the plan to
> unsecured creditors will only be made to creditors whose claims are
> allowed and are timely filed pursuant to Fed.R.Bankr.P. 3002 and 3004
> and after payments are made to Classes One, Two A, Two B, Two C and
> Three above in the manner specified in Section III.
>
> 2\. \[ \] Distributions to classes of creditors shall be in accordance
> with the order set forth above, except:
> \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

**D. MOTIONS TO VOID LIENS UNDER 11 U.S.C. \' 522(f)**. In accordance
with Fed.R.Bankr.P. 4003(d), Debtors intend to file, or have filed, *by
separate motion served in accordance with Fed.R.Bankr.P. 7004*, a motion
to void lien pursuant to 11 U.S.C. \' 522(f) as to the secured creditors
listed below:

  ---------------- ------------------- ----------------- -----------------
  Creditor         Collateral          Date Motion to    Date of Order
                                       Void Lien Filed   Granting Motion
                                                         or Pending

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

**E.** **STUDENT LOANS**:

G No student loans

G Student loans are to be treated as follows:

**F. RESTITUTION**

G No restitution owed

> G Debtor owes restitution in the total amount of \$\_\_\_\_\_\_which
> is paid directly to \_\_\_\_\_\_\_\_\_\_\_\_ in the amount of
> \$\_\_\_\_\_\_\_\_\_\_per month for a period of months.

G Debtor owes restitution to be paid as follows:

**G. OTHER** (List **all** additional provisions here.)

**V. [REVESTMENT OF PROPERTY IN DEBTOR]{.underline}**

All Property of the estate shall vest in the debtor at the time of
confirmation of this Plan.

**VI. [INSURANCE]{.underline}**

Insurance in an amount to protect liens of creditors holding secured
claims is currently in effect and will \[ \] will not \[ \] (check one)
be obtained and kept in force throughout the period of the Plan.

  ---------------- ---------------- ------------ -------------------------
  Creditor to Whom Collateral       Coverage     Insurance Company, Policy
  This Applies     Covered          Amount       No. and Agent Name,
                                                 Address and Telephone No.

                                                 

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

\[ \] Applicable policies will be endorsed to provide a clause making
the applicable creditor a loss payee of the policy.

Dated:

Signature of Debtor

Signature of Attorney for Debtor Signature of Co-Debtor Spouse

Attorney\'s Address

City, State, and Zip Code

Telephone Number

[^1]: The lesser of this amount or the amount specified in the Proof of
    Claim.