HUD Schedule of Standard Attorney's Fees -- Effective 9/1/2005

  ------- ------------- ------------- ------------ ------------ --------------
  State   Nonjudicial   Judicial      Bankruptcy   Possessory   Deed-in-Lieu
          Foreclosure   Foreclosure   Clearance    Action       

  AK      \$1,250                     Varies^13^   \$375        \$400

  AL      \$600^1^                    Varies^13^   \$375        \$400

  AR      \$650                       Varies^13^   \$275        \$400

  AZ      \$675                       Varies^13^   \$275        \$400

  CA      \$650                       Varies^13^   \$525        \$400

  CO      \$850                       Varies^13^   \$275        \$400

  CT                    \$1,350^2^    Varies^13^   \$375        \$400

  DC      \$650^1^                    Varies^13^   \$375        \$400

  DE                    \$1,000       Varies^13^   \$325        \$400

  FL                    \$1,250       Varies^13^   \$375        \$400

  GA      \$650^1,3^                  Varies^13^   \$375        \$400

  GU      \$1,250                     Varies^13^   \$375        \$400

  HI      \$1,250       \$1,900       Varies^13^   \$525        \$400

  IA      \$600         \$900         Varies^13^   \$325        \$400

  ID      \$650                       Varies^13^   \$375        \$400

  IL                    \$1,150^5^    Varies^13^   \$325        \$400

  IN                    \$1,050^6^    Varies^13^   \$325        \$400

  KS                    \$900         Varies^13^   \$325        \$400

  KY                    \$1,150       Varies^13^   \$375        \$400

  LA                    \$950         Varies^13^   \$325        \$400

  MA      \$1,300                     Varies^13^   \$625        \$400

  MD      \$850^1,3^    \$850         Varies^13^   \$375        \$400

  ME                    \$1,300       Varies^13^   \$525        \$400

  MI      \$700^7^                    Varies^13^   \$325        \$400

  MN      \$700                       Varies^13^   \$325        \$400

  MO      \$700                       Varies^13^   \$325        \$400

  MS      \$600^1^                    Varies^13^   \$375        \$400

  MT      \$650                       Varies^13^   \$375        \$400

  NC      \$600^8^                    Varies^13^   \$375        \$400

  ND                    \$950         Varies^13^   \$325        \$400

  NE      \$650^9^      \$900         Varies^13^   \$325        \$400

  NH      \$950                       Varies^13^   \$425        \$400

  NJ                    \$1,350       Varies^13^   \$375        \$400

  NM                    \$950         Varies^13^   \$275        \$400

  NV      \$650                       Varies^13^   \$375        \$400

  NY                    \$1,300^10^   Varies^13^   \$725        \$400

  OH                    \$1,150       Varies^13^   \$325        \$400

  OK                    \$950^5^      Varies^13^   \$275        \$400

  OR      \$725                       Varies^13^   \$375        \$400

  PA                    \$1,300^11^   Varies^13^   \$425        \$400

  PR                    \$1,150^12^   Varies^13^   \$300        \$400

  RI      \$950                       Varies^13^   \$525        \$400

  SC                    \$850         Varies^13^   \$375        \$400

  SD      \$600         \$900         Varies^13^   \$325        \$400

  TN      \$600^1^                    Varies^13^   \$375        \$400

  TX      \$600                       Varies^13^   \$325        \$400

  UT      \$650         \$600         Varies^13^   \$275        \$400

  VA      \$650^1,3^                  Varies^13^   \$375        \$400

  VI                    \$1,150       Varies^13^   \$300        \$400

  VT                    \$1,000       Varies^13^   \$375        \$400

  WA      \$725                       Varies^13^   \$375        \$400

  WI                    \$1,150       Varies^13^   \$325        \$400

  WV      \$600^1,3^                  Varies^13^   \$375        \$400

  WY      \$650                       Varies^13^   \$375        \$400
  ------- ------------- ------------- ------------ ------------ --------------

**[Footnotes]{.underline}:**

(1) The fee covers the combined attorney's and notary's fees

(2) This fee applies to strict foreclosures. If the foreclosure orders a
    Foreclosure by Sale, the fee will be \$1,550.

(3) The fee covers both the attorney's fee and the trustee's commission
    (or statutory fee).

(4) The fee includes reimbursement of any fee for the attorney's
    certificate of title.

(5) The fee increases by \$100 if foreclosure is achieved by summary
    judgment.

(6) In addition to the allowable foreclosure fee, an auctioneer's fee of
    up to \$250 is allowed for the services of a state licensed
    auctioneer requested by the lender and approved by the court.

(7) The fee increases to \$1,100 for a nonjudicial foreclosure for a
    case in which the attorney provides services for "proceedings
    subsequent" that involve registered land.

(8) The fee includes the notary's fee. An additional fee of \$250 is
    allowed for an attorney court appearance for a foreclosure hearing.

(9) This fee relates to the exercise of the power of sale under a deed
    of trust.

(10) This fee applies to foreclosures other than those conducted in New
     York City and Long Island. A fee of \$1,850 applies to foreclosures
     conducted in the five boroughs of New York City (Bronx,
     Brooklyn/Kings, Manhattan, Queens and Staten Island) and in Long
     Island (Nassau and Suffolk Counties).

(11) The fee covers certain additional legal actions necessary to
     complete the foreclosure, including motions to postpone or relist a
     sale and motions to reassess damages.

(12) In addition to the allowable foreclosure fee, \$150 is allowed for
     a notary fee for completed foreclosures. However, if a deed of
     judicial sale cannot be executed contemporaneously with the
     foreclosure sale, \$300 is allowed for the notary fee.

(13) This fee assumes that all required procedural steps have been
     completed. The maximum attorney's fee varies based on the chapter
     under which the bankruptcy action is filed.

-   For Chapter 7 bankruptcies, the maximum allowable fee is \$650.

-   For Chapter 11, 12 and 13 bankruptcies, the maximum allowable fee is
    \$1,000.