fis foreclosure solutions lps lender processing services the summit volume 3 issue 4 december 2007

BUSINESS OBJECTS

SU M M I TTHE

2

3

4

5

6

7

8

9

10

12

14

15

16

17

18

19

20

ENCOURAGING PEAK PERFORMANCE IN THE FIS PARTNERSHIP

The FIS Foreclosure Solutions, Inc.Business Analytics group supports the

analysis tools, live reporting environment,and ad-hoc reporting needs of FISForeclosure Solutions and its customer base.The Business Analytics team maintains thecontent available on the FNDS ReportsOnline Web site, including the AttorneyPerformance Reports (APR). FNDSReports Online currently stores more than800 live Crystal reports and archives over10,000 static reports (in PDF, Excel, or textfiles). Each month, there are more than36,000 views of these reports.

Based on the growth of the FISForeclosure Solutions-managed portfolioover the past several years and due toincreased reliance on our reporting environmentfor near real-time data for analysis and decisionsupport, two projects will be completed in2008 that demonstrate our commitment tocustomer-focused solutions.

Business Objects ImplementationIn the first quarter of 2008, Business Objectswill replace FNDS Reports Online as theprimary reporting environment. BusinessObjects is a full-featured environment, providingthe infrastructure for housing both live Crystalreports and static documents. In addition,Business Objects provides a wide array oftools that facilitate reporting dashboards,dynamic drill-down reports, interactive maps,and other tools that we can leverage for yearsto come. Business Objects is currently livefor some users and remaining users will bephased in during the first quarter of 2008.

Integrated Security is one of the greatestinitial benefits of the Business Objects product.Users will be able to access Business Objects

from the FIS Desktop without maintaininga separate reporting Web site user name andpassword. This will streamline both usersetup and ongoing maintenance.

Performance and stability are two morekey benefits of the transition to the BusinessObjects environment. Business Objectsallows for more simultaneous requests on keyreports, such as the APR. Additionally, theuser-friendly interface makes it easy tolocate and find specific reports quickly.

Increased Data Processing CapacityWhile moving to a new reporting environment,a new SQL Server 2005 data processingenvironment was brought online this year.This exponentially improves response timefor live reports that are requested throughBusiness Objects. This environment bettersupports our production of key performancereporting such as the APR, Client PowerRating (CPR), and Monthly PerformanceReports (MPR). We have already experiencedan 80 percent reduction in nightly processingtime for the APR.

FIS Foreclosure Solutions is committedto providing in-depth analysis and user-drivendata solutions through the Business Analyticsgroup. The implementation of Business Objectsand a new data processing medium is theproduct of much effort across several teamswithin our organization. By continuing to raisethe bar for ourselves and to partner withour colleagues in the industry to understandthe needs for specific tools, we will continueto add value by providing relevant customer-focused solutions to our mortgage servicingclients and to their Attorney Network.

FIS INFORMATION

FIS CONTACTS

RAMIFICATIONS OF FANNIE

MAE CAP ON TITLE COSTS

CLIENT SPOTLIGHT

EMPLOYEE SPOTLIGHT:CHRYS HOUSTON

THE FUTURE OF FDCPALAWSUITS

Q3 ATTY RECOGNITION

EMPLOYEE ANNIVERSARIES

DEPARTMENT SPOTLIGHT:QUALITY CONTROL

FIRM SPOTLIGHT: HUGHES

WATTERS & ASKANASE

LOOKING BEYOND THE

HEADLINES

STATE YOUR CASE

NOTICE THE NETWORK

APR CHANGES

ATTORNEY GUEST SEMINARS

TECHNOLOGY NEWS

PEAK PERFORMANCE

AWARD WINNERS

BY MICHAEL CLOIN

VICE PRESIDENT, BUSINESS ANALYTICS / FINANCIAL SUPPORTIN THIS ISSUE

TH E SU M M I T A publication of FIS Foreclosure Solutions, Inc.

December 2007 Volume 3 Issue 4

2

FIS INFORMATION

FIS Foreclosure Solutions, Inc. A Division of Fidelity National Default Solutions

FIS Foreclosure Solutions, Inc. provides loan servicerswith single-source solutions for managing foreclosures,

bankruptcies and related matters on a nationwide basis.FIS Foreclosure Solutions, Inc. possesses the expertise

to help clients manage diverse loan procedures and credittypes, enabling clients to realize consistent pricing fordefault management services and reductions in the costper loan serviced.

When clients refer a loan to local counsel through FISForeclosure Solutions, Inc., the loan timeline is manageduntil resolution. Clients identifythe unique requirements oftheir portfolios and the loansare processed through FISForeclosure Solutions, Inc. toensure the most efficientoutcome. Internal timelimitations for key events areset and active monitoring isconducted to minimize theoverall timeframe fromreferral to resolution. The loan-level data is reported toFidelity National Information Services, Inc. (FIS) partnerson a daily basis using FIS Desktop, a Web-based defaultmanagement technology.

FIS Desktop is an industry-changing proprietaryenterprise application that provides users with a singlepoint of contact into technology-driven solutions,enabling clients to streamline their processes and managedocument and invoicing needs online. This reducestimelines, mitigates risk and saves resources.

FIS Desktop Process Management (previously NewTrak)allows users to efficiently direct and deliver all relevantinformation, images and services from one secure, real-time platform. Reconciliation of third-party informationis simplified by utilizing a single, Web-based access point

that bridges a client's third-party service providers andFIS. This means quicker processing and cost savings, aswell as the virtual elimination of the risk of error.

Document Management (previously NewImageExpress), FIS Desktop's end-to-end document imagingsolution, essentially omits the need for paper by capturing,indexing, routing, archiving and retrieving documentsthrough secure, Web-based connections. This customizedenterprise application manages a document's life cycle,from data extraction and electronic generation through

preset routing protocols,ultimately automating acompany's uniquedocument structure.

FIS Desktop InvoiceManagement (previouslyNewInvoice) uses real-time, online services withspecialized modules toautomate every aspect ofthe billing and invoicingprocesses. From

presentment and processing to postpayment activities,Invoice Management's automation saves time and eliminateserrors.

From referral to invoice, FIS Foreclosure Solutions,Inc. and FIS Desktop provide unique, money-savingsolutions for the mortgage community.

FIS’ FIVE FUNDAMENTAL PRECEPTS

Autonomy and EntrepreneurshipBias for ActionEmployee OwnershipMinimize BureaucracyClose Customer Relationships

FLORIDA OFFICE

601 Riverside Ave.Building 5, Floor 3Jacksonville, FL 32204904.470.7700904.470.7800 fax

MINNESOTA OFFICE

1270 Northland DriveSuite 200Mendota Heights, MN 55120651.234.3500651.234.3600 fax

2

NAME CHANGES AND URL CHANGES

In conjunction with the rebranding of the FIS LoanPortfolio Solutions’ (FIS LPS) technology applications

in January 2007 to the FIS Desktop suite of products,the URLs of these applications have been updated toreflect the new names as of December 2, 2007.

In addition to the FIS Desktop changes, FidelityNational Foreclosure Solutions, Inc. also recentlychanged our name to FIS Foreclosure Solutions, Inc.

Application Previous URL New URLProcess Management Newtrak.com pm.fisdesktop.com(f.k.a. NewTrak)

Invoice Management Fndsonline.com im.fisdesktop.com(f.k.a. NewInvoice)

Document Management Newimageexpress.com dmc.fisdesktop.com(f.k.a. NewImageExpress)

FORECLOSURE SOLUTIONS AND LPS MANAGEMENT

SCOTT BARNES FIS Foreclosure Solutions President and COO 904.470.7703LARRY DINGMANN SVP Division Counsel 651.234.3506STEVE GERTHS SVP Business Development 651.234.3504ED HILL SVP FIS LPS 281.827.2676JAMES IREDALE Chief Technology Officer, FIS LPS 904.470.7704LAURA MACINTYRE COO/Sr. Managing Director, FIS Desktop ™ 651.234.3511BARB NICKEL SVP Controller 651.234.3587

3

VOLUME 3 ISSUE 4 THE SUMMIT

THE SUMMITThe Summit is published quarterly by theCustomer/Attorney Relations team for employees,clients and attorney firms in the FIS ForeclosureSolutions, Inc. partnership.

EDITOR

Lindsey Lesch

ASSISTANT EDITOR

Emily Bruce

STAFF PHOTOGRAPHERS

Katherine Zorn

CONTRIBUTING AUTHORS*

Marlon BatesRyan KrumrieCarolyn TaylorJanuary Taylor

Larry Zielke

Do you want to be featured in next quarter’sissue of The Summit? We welcome all articles orcomments about your company/firm.** Tell usabout changes, improvements, legislation thataffects you – whatever you think will beinteresting to readers of The Summit! Thedeadline for submissions for the next issue isJanuary 14.

We also welcome your photos (digital photosset to the highest resolution are preferred).Send comments, photos and story ideas to:

E-mail: [email protected]: 904.470.7831Fax: 904.470.7800

DOWNLOAD PREVIOUS ISSUES

CONTACT US!

CUSTOMER/ATTORNEY RELATIONSPOLINA BELINSKAYA 904.470.7881JINNI BOUGIE 651.234.3821TERRI BOYETTE 904.470.7766EMILY BRUCE 904.470.7850KRIS HARVICK 904.470.7879CHRYS HOUSTON 904.470.7712LARISSA JONES 904.470.7931LINDSEY LESCH 904.470.7831ANGELICA LOPEZ 818.257.5530MELINDA LOYD 903.355.0199CHRIS PRUITT 262.255.1604MATTHEW ROGINA 904.470.7731HALEY SEABROOK 904.470.7935STEVE SICKLER 904.470.7917BRIDGETTE SMITH 904.470.7894KATHY THOMPSON 832.559.3989RYAN VOGT 904.470.7851

This issue of The Summit is nowavailable for download on ourWeb site. Are you new to TheSummit audience? Please visit ourWeb site to access previousissues.

*The opinions expressed by contributingauthors are those of the authors and do notnecessarily reflect the opinions of FISForeclosure Solutions, Inc..

**FIS reserves the right to edit submissions for space constraints.

3

http://thesummit.fndsportal.com

4

THE

FIS FORECLOSURE SOLUTIONS, INC.

in a full search. While a limited title search characteristicallybegins at the vesting deed into our borrower and movesforward, most of the more detrimental title defects (includinglegal description errors, missing ownership/equitable interests,and prior owner liens) are found further back in the chain.

Unresolved title issues identified post-foreclosure cancause significant delays in the resale of the property andeven possible liability on the part of the lender. Specifically,a title issue identified during the resale of a property can

cause the lender to lose a prospective buyerwhile the title issue is being resolved. Adelayed notice to a title insurance companyof a defect in title can also potentially voida title insurance policy. Certain unresolvedtitle issues can render a foreclosure invalidor wrongful, which may cost the lendersignificant litigation fees and liabilities.

There are several ways a lender canlimit delays and liability. If a lender does

not have a lender’s title insurance policy, they can order afull search and absorb the title costs that exceed the FannieMae cap. Alternatively, if the lender does have a policy,they should provide it to the vendor at the referral stageof a foreclosure. This will confirm that the lender hasinsurable title up to the point of the recording of thesecurity instrument and should allow a REO attorney totack off of the existing policy at the resale of the property.Having a title insurance policy readily available to the vendorswill also decrease possible delays in REO because the titleinsurance company can beimmediately notified of any titledefects and, as a result, initiatethe resolution process.

In an effort to decrease the fees and costs of foreclosure,Fannie Mae issued a memorandum in June 2007 (to

become effective Aug. 1, 2007) limiting the reimbursementamount of title costs associated with foreclosure for allFannie Mae insured loans. By capping the reimbursementamount at $200 per case, Fannie Mae determined it would“better contain their credit losses and make it easier forborrowers to refinance or cure delinquency of their loans.”The reimbursement of costs provided by Fannie Mae willinclude the initial search and all updates.

Placing a cap on the reimbursementamount for title services during a foreclosurewill require vendors to pursue alternativemeans of obtaining necessary title information.Such alternatives, as suggested by FannieMae, would include using title searches orabstracts instead of a title commitment orTrustee Sale Guarantee. In such instances,the resulting title search would be uninsuredby a title insurance company provider and a full searchmay still be required at the REO stage of the process inorder for title insurance to be issued at closing.

The benefits of running a full 40-year title search inpreparation for foreclosure allows the vendor to identifyand cure all title issues prior to exercising the power of saleclause provided in the security instrument (for non-judicialjurisdictions). There are several reasons for running a titlesearch, the most important of which are to identify allparties that are required to be given notice of the foreclosure,confirm that the lender has a valid lien on the subjectproperty, and verify a clear chain of title. Some of theseissues can be determined by a limited title search, but thereare certain situations where title defects can only be identified

January N. Taylor is an Associate Attorney at Morris,Schneider, Prior, Johnson, and Freedman, LLC in Atlanta.Ms. Taylor is a member of both the State Bar of NorthCarolina and Georgia. Her area of practice is real propertywith a focus on foreclosure law and related title issues.

RAMIFICATIONS OF FANNIE MAE CAP ON TITLE COSTSby January TaylorMORRIS, SCHNEIDER, PRIOR, JOHNSON & FREEDMAN, LLC

“UNRESOLVED TITLEISSUES IDENTIFIED POST-FORECLOSURE CAN CAUSESIGNIFICANT DELAYS IN

THE RESALE OF THEPROPERTY AND EVEN

POSSIBLE LIABILITY ON THEPART OF THE LENDER.”

S U M

5

VOL. 3 ISSUE 4 THE SUMMITM I T

CLIENT SPOTLIGHT: FREMONT AND OPTION ONE - CA

FREMONT INVESTMENT AND LOAN:Back: Luis Tena (FIS), Vikki Richards, Kristin Bowles (FIS), Scott WalkerMiddle: Angelica Lopez (FIS), Danielle McKeon, Sabrina Olsen (FIS),Zaneathea Murphy, Shelly Tello (FIS), Amber Olivares (FIS), DianaLarrondo(FIS) Front: Chrys Houston (FIS), Freddy Tierra, Christanya Blackman (FIS),Emma Ramirez (FIS)

OPTION ONE:Back: Camron Hashemi, Michael Campos, Kathleen DeGrammont,Jim McGraw, Raymond Elmes, Gino TomasinoFront: Angelica Lopez (FIS), Tracy Solomon, Scarlett Lang, GayleeCone, Vicki Tsai, Chrys Houston (FIS), Cindi Ellis, Rosario Brockway,Kim Ecklund

FREMONT INVESTMENT AND LOAN MANAGEMENT:Scott Walker, Chrys Houston (FIS), Cynthia VanPatten,Angelica Lopez (FIS), Jamie Brander, Richard Power

firms by improving communication between them and FIS. “Documents were previously tracked through Issues

in Process Management, but we knew we needed a betterway as the volume increased,” Chrys said. Tracking documentrequests through the various events within the document-specific processes has allowed for better tracking, reportingand more thorough and accessible data.

“I really enjoy working with clients and firms andcould do so while working in docs through the building of

processes and by providing ongoingtraining. It’s very rewarding,” she said. Inaddition to building relationships withclients, Chrys enjoys traveling to clientoffices, one factor that brought her toCustomer Relations.

Chrys is now over a team of threeoffsite Customer Relations managers. Shecoordinates visits to client offices and clientvisits to FIS Foreclosure Solutions offices,

attends client calls daily, and follows up on client requeststo ensure escalated items are resolved timely.

“I love the staff. Everyone is on top of their gameand works with a sense of urgency when it comes to theclient’s needs” she said.

As Chrys settles into her new role at FIS, her spunkypersonality remains the same. Her strength and zest forlife prevailed through two breast cancer diagnoses. Her first,which came at the age of 30 when her daughters were agesfive and eight months, brought on a series of surgeries andtests. One year later, her cancer returned. This time, she wentthrough six months of chemotherapy and six weeks ofradiation. Although she misses her long curly hair, she receivedso many compliments on her short cut and decided not togrow it back out after her treatments ended. Chrys hasnow been cancer-free for three yearsand looks forward to her future withher family and at FIS.

“I want to build a strong andpositive rapport with our clients bymaking sure we are providing a highlevel of customer service anddelivering results every day.”

Amidst the colorful decorations and gadgets on herdesk sits Chrys Houston, phone piece in ear and

hands on keyboard. Chrys is the Assistant Vice Presidentof Customer Relations at FIS Foreclosure Solutions, Inc.and her position requires constant communication withclients and FIS associates.

A native of Minneapolis and a University of Minnesotaalumna, Chrys started out in the business as a homeimprovement (second lien) mortgage collector at GreenTree Financial 14 years ago. She then movedinto foreclosures and FHA claims and evenhandled spa and above-ground poolrepossessions. While at Green Tree, Chrysworked her way up to supervisor, at whichtime Conseco Finance bought out thecompany. When this happened, Chrysdecided to leave the brisk weather of herhome state to brave the desert heat in Tempe,AZ for two years as a supervisor for Consecoin the FHA claims and Equity Analysis department. Chrysthen headed across the country to Jacksonville, as a unitmanager over high risk and private investor foreclosures forLOGS/First American. Four years later, Chrys had theopportunity to join the FIS team in the Special Assetsdepartment heading up the Document Retrieval area.

Even with the dramatic climate changes, Chrys saidthe biggest adjustment to living in the south was learningto refer to soft drinks as “soda” rather than “pop.” Growingup in Minnesota, Chrys was active in sports and figureskated for many years. She now enjoys taking her daughtersKayla, 11 and Kori, 6 to the indoor rink on the weekends.She misses the Mall of America, but not the cold weatheror snow, and makes sure to fit in a trip when she visitsher family back home.

Chrys transferred to her current position in CustomerRelations after two years as the manager of the DocumentRetrieval team. During that time, her team grew from 10associates to more than 40. As the company expanded, aneed for a more streamlined module became apparent.With the immediate impact on her team, Chrys was closelyinvolved in the development of the document module thatwent live this year. The new module benefits both clients and

EMPLOYEE SPOTLIGHT: CHRYS HOUSTONby Emily Bruce

6

“I WANT TO BUILD ASTRONG AND POSITIVE

RAPPORT WITH OUR CLIENTSBY MAKING SURE WE ARE

PROVIDING A HIGH LEVELOF CUSTOMER SERVICE ANDDELIVERING RESULTS…”


Judge Richard Kyle, United States District Court forthe District of Minnesota, issued an order on Sept.

12, 2007, granting a law firm summary judgment anddismissing all claims brought against it under the FairDebt Collection Practices Act (15 U.S.C. § 1692 et.seq.). In dismissing the case, Judge Kyle rejected theplaintiff ’s contention that a law firm engaged almostexclusively in the practice of mortgage foreclosureswas a “debt collector” for all purposes and was subjectto all of the provisions of the FDCPA.

In Plaintiff v. Shapiro, Nordmeyer& Zielke, LLP (D. Minn. Court FileNo. 06-3103), the law firm had beenhired by a mortgage company to initiatea non-judicial foreclosure when themortgage was in default. The propertywas “torrens” (registered property)and Shapiro, Nordmeyer & Zielke, LLPconfirmed on the title report that theplaintiff was the registered owner of the property.Shapiro, Nordmeyer & Zielke, LLP then published anotice of mortgage foreclosure sale for six consecutiveweeks prior to the sale as required under Minnesota law.The plaintiff claimed that the mandatory foreclosurenotices published in a legal newspaper violated the FDCPA’sprohibition on communicating debt information relatingto her finances to third parties.

While recognizing a split in authority on the issueamong the circuit courts, Judge Kyle concluded that the

law firm was “an enforcer of a security interest” and that“foreclosing on a mortgage does not constitute debtcollecting activity under the FDCPA.” Therefore, the lawfirm was subject only to one provision (15 U.S.C. §1692(f)) of the FDCPA and was not subject to claimsunder any of the other provisions of the Act, in particularthe third party communication provisions on which theplaintiff ’s claims were based. Because the plaintiffpresented only “a mere conclusory assertion” that the

law firm violated section 1692f(6), JudgeKyle dismissed the entire case with prejudice.The plaintiff ’s attorney filed a notice ofappeal this October after Judge Kyle deniedhis request to modify the order.

This case represents a chance to havethe 8th Circuit rule in favor of foreclosureattorneys. We feel the facts of this case arefavorable, and that a published 8th CircuitCourt of Appeals decision in our favor will

set the stage for a favorable U.S. Supreme Court decisionin the future, if it should ever get to that level. At thevery least, it will help those attorneys in the 8th circuitvoid off frivolous FDCPA lawsuits. If you have anyquestions regarding this case, they can be directed toBarry O’Neil and Brett Clark of Lommen, Abdo, Cole,King & Stageberg, P.A. who represented the law firmin successfully defending the claims. Contactinformation can be found at www.lommen.com.

THE FUTURE OF FDCPA LAWSUITSby Larry Zielke and Ryan KrumrieSHAPIRO, NORDMEYER & ZIELKE, LLP

7

VOL. 3 ISSUE 4 THE SUMMIT

Lawrence "Larry" Zielke is the Managing Partner ofShapiro, Nordmeyer & Zielke, LLP. He has beenadmitted to the Minnesota Bar since 1983, spending thelast 17 years concentrating his practice on representingmortgage lenders and Servicers in all Minnesota counties.

“THIS CASEREPRESENTS A CHANCE

TO HAVE THE 8THCIRCUIT RULE IN

FAVOR OF FORECLOSUREATTORNEYS.”

ATTORNEY PERFORMANCE RECOGNITION

Q3 - 2007 FORECLOSURE

Q3 - 2007BANKRUPTCY

AZ Malcolm & CisnerosCA Malcolm & CisnerosCO Janeway Law Firm, PCIA Dunakey & KlattKS Kozeny & McCubbinMA Ablitt & CharltonME Shapiro & Morley, LLPMS Morris and AssociatesNC Nodell, Glass & HaskellNE Kozeny & McCubbinNV Malcolm & CisnerosPA Martha Von RosenstielPA McCabe WeisbergPA Goldbeck McCafferty & McKeeverPA Zucker, Goldberg & AckermanTX Mann & StevensTX Hughes, Watters & AskanaseTX Codilis & StawiarskiTX Brown & Shapiro, LLPVT Lobe & Fortin

AL Shapiro & Pickett, LLPAL Scott J. HumphreyDC Rosenberg & Associates, LLCFL Gary I. Gassel, PAIA Dunakey & KlattIN Bleecker Brodey and AndrewsKY Manley Deas Kochalski, LLCMD The Fisher Law Group, PLLCME Shapiro & Morley, LLPMS Morris and AssociatesMS Adams & Edens PANC Roberson, Haworth & ReeseNC Shapiro & Ingle, LLPNH Barron & Stadfeld, PCNJ Koury, Tighe, Lapres, Bisulca & SommersNY Jonathan D. PincusNY McCabe WeisbergTN Apperson, Crump, Duzane & Maxwell PLCVA Sykes, Bourdon, Ahern, & Levy, PCVA Rosenberg & Associates, LLCWI Vollmar and Huismann, SC

8

THE

FIS FORECLOSURE SOLUTIONS, INC.S U M

Each quarter, FIS Foreclosure Solutions, Inc. recognizesthe top 20 performing firms in foreclosure andbankruptcy. We would like to congratulate the followingfirms for their performance during Q3 2007.

9


Terri BoyetteMitch CollingwoodJason DowningJuli EzellLaurie FaltesekAndre Friedman

Wesley FrostKari GrinnellCourtney GulliePaula HoustonBobbi HughesXiao Jiang

Brandon KielShannon LeeberBridgette SmithMie Woody

NOVEMBER

Lakesha AdamsLeesa BarduniasGregory BiersackMichael BowmanClark BoyesenKimberly DerynckLeena Gomber

Kevin HamiltonPangfua HerJaqueline Lehman-MeggisonTara LindholmMelinda LoydEric OgechiRachel Onsinyo

Kelly PerrinThomas SalkiewiczRobin SmithDragan SpiridonovicBrian SwannerVesna Vujaklija

DECEMBER

Chalonda AdamsDamein AndersonJillian BanaszewskiCarl ChisholmDesiree FairchildCrystal HawleyJacqueline Hunter

ONE YEAR

Faith HuxTanya KnollSeth LucasAlexis McKinnonBerry MorganTran PhamJohnnie Timm

Linda ThursamKrishna VulisettiCaitlin WheelessHeidi WilsonHouawa Yang

JANUARY

NOVEMBER DECEMBER

FIVE YEARS

OR MORE

JANUARY

5 Chris Anderson6 John Cody6 Norma Folley 6 Jackie Notch7 Greg Whitworth8 Gina Akdeniz8 Stacey Rubbelke11 Karen Froggatte

6 Scott Topel 5 Elizabeth Anselmo5 Laura Bondgien5 Tammy Brooks-Saleh5 Chuck Henrickson5 Donna Kalb5 Rick Wilken6 Kathleen Milsow

EMPLOYEE ANNIVERSARIES

ONE YEAR

ONE YEAR

10


unnecessary holds that may have been added in error. Attorney auditors are responsible for auditing all

APR-eligible stages ensuring the attorneys are providingaccurate data within Process Management. A randomselection process is used to identify events to be audited.

The client reporting staff handles several client-specific reports, some of which arehandled daily, weekly or monthly.

The internal audit area holds meetingswith the managers of each department ona monthly basis to talk about trends andtraining opportunities within FIS.

The sale auditors keep tabs on themost current timelines provided byFNMA and FHLMC and also providefeedback on trends within the different

states so they can work with the attorneys on theirperformance. With these sale audits, the department isable to provide the data to clients to identify trendingwithin the different states and attorney offices regardingsales performance.

All attorney audits are based on the informationprovided in the attorney expectation document. Theattorney auditors are able to assist with the updates onthe attorney expectation document that is provided tothe FIS attorney network. When trends are identifiedwithin the audits, QC discusses the finding with the firm.With this, the auditors areable to make sure allattorneys are on the samepage when updating ProcessManagement so the APRdata stays consistent.

Strong and open lines ofcommunication within the

In April 2006, FIS Foreclosure Solutions initiated thecreation of a Quality Control (QC) department to

audit staff and network firms. Jennifer Anthony, amanager in Foreclosure Attorney Management at thetime, was asked to develop and initiate this department.

The department began with two associates auditingstaff members in the ForeclosureAttorney Management area and twoassociates working on reporting for aclient. Shortly thereafter, the teamexpanded to audit staff in BankruptcyAttorney Management, Special Assets -Title and Litigation, Stop/Holds,Bankruptcy Issue Resolution, DocumentRetrieval, Bankruptcy Setups andBankruptcy Closings. A specializedgroup was later created to audit sales each month.

In addition to auditing internal functions, Jennifer’steam developed a random audit program to audit networkattorneys on items completed in Process Management.

The Quality Control department hires within FISForeclosure Solutions to ensure that each auditor hasthe background and knowledge of the department theyaudit. The department is broken down into four areas:internal audits, sales audits, attorney audits, and clientreporting.

The internal auditors are specialized within thedepartments they audit. They are responsible for auditingthe FIS staff ’s daily functions such as re-projections,issues, holds and intercoms.

The sales auditors are responsible for auditing allsales that are out of compliance each month by the endof the month. They review files from referral to saleheld and add any allowable holds that were missed bythe attorneys or clients. They also review for any

DEPARTMENT SPOTLIGHT: QUALITY CONTROLby Jennifer AnthonyMANAGER, QUALITY CONTROL

“WHEN TRENDS AREIDENTIFIED WITHIN THE

AUDITS, QC DISCUSSESTHE FINDING WITH

THE FIRM.”

Jennifer AnthonyManager


department are vital to our success. The QC team hasan open door policy for all areas and the team useseach other to bounce questions, concerns and issuesoff one another.

Some future goals for this area are to audit alldepartments within the operations at FIS ForeclosureSolutions and to start using a new reporting methodwithin the internal audit area. Additionally, theknowledgeable staff in the department may assist withadvanced training for employees.

With all of the growth in her area, Jennifer findssatisfaction in knowing that her area is beneficial to theoverall performance of the company.

Elizabeth AnselmoStaff Auditor

Katy GrotjohnStaff Auditor

Mary KrieselStaff Auditor

Mary StensonStaff Auditor

Deana AcostaAttorney Auditor

Lynn DoyscherAttorney Auditor

Jennifer WersalSales/Staff Auditor

Dava DawsonClient Reports

Valestine HughesClient Reports

Wendi WildeSales Auditor

Traci PetscheSales Auditor

Rebecca VerdejaSales Auditor

Tanya LindbackSales Auditor

Tara McGrawSales Auditor

Anne NealSales Auditor

Jackie NotchSales Auditor

11

12

THE


importance to the mortgage servicing industry:bankruptcy, business planning and strategy, commercialfinance, real estate, consumer financial services, andlitigation. This model enables Carolyn and HWA toprovide cost-effective and comprehensive advice andrepresentation to mortgage servicers from paymentdisputes to class action defense.

Carolyn established the firm’s default servicinggroup when she joined HWA in January1994. On individual, firm and clientlevels, Carolyn fosters the developmentof leadership qualities, a cooperativesprit, and pride and self-sufficiency inwork performance.

To develop these attributes, emphasisis placed on independent thinking whileimposing a strong sense of responsibilityand accountability among employees.

Carolyn also provides her team with constant feedbackas to their progress and accomplishments. At the sametime, Carolyn and the section managers maintain an“open door” policy, ensuring they are always availableto assist employees with challenging questions andissues. Finally, Carolyn utilizes a “buddy system” under

HughesWattersAskanase (HWA) provides guidanceand solutions for mortgage servicers caught in the

throes of the subprime mortgage crisis and creditcrunch. A full-service law firm based in Houston, HWAis ideally positioned to take on the broad ranging andcomplex issues faced by mortgage servicers and lendersin the current environment. HWA’s representation oflenders and servicers provides it with a uniqueperspective on the issues currentlyplaguing the mortgage industry.

Carolyn Taylor, manager of HWA’sdefault servicing group, was a criticalcomponent in the evolution of the firmfrom a specialized boutique to a full-service commercial firm. Prior to herarrival, HWA focused primarily on realestate and trustee/debtor bankruptcyrepresentation. The establishment andgrowth of Carolyn’s mortgage servicing practiceexposed HWA first-hand to the myriad of issues facedby mortgage servicers, leading the firm to expand itscapabilities to confront these issues.

Today, HWA has wide-ranging expertise andexperience in six interrelated areas of particular

L TO R: CAROLYN TAYLOR AND DOMINIQUE VARNERare partners at HWA. Carolyn is also the manager offirm’s default servicing group.

FIRM SPOTLIGHT: HUGHES WATTERS & ASKANASEby Carolyn TaylorMANAGER, HUGHES WATTERS & ASKANASE

“HWA’s representationof lenders and servicers

provides it with aunique perspective on

the issues currentlyplaguing the mortgage

industry.”

S U M

13


The emphasis on strong moral and ethicalpractices, coupled with prompt client communicationand timely results, are the foundations for HWA’sunparalleled services and its stellar reputation withclients, colleagues, and members of the judiciary.

As a member of FIS Foreclosure Solutions’Attorney Roundtable, HWA will continue to work withthe FIS management team to address current industrychallenges.

which each team member is paired with a “back-upbuddy” who has been trained to provide additionalsupport when needed and fill in when the primarymember is out of the office.

To develop these attributes on the client level, workis assigned to team members based on client and mattertype rather than task. Carolyn also encourages opencommunication between the HWA team and clients.This enables team members to develop personalrelationships and partnerships with Fidelity and clientrepresentatives. That philosophy and collective teamwork culminated in the selection of HWA toparticipate in the Freddie Mac Designated CounselProgram (Texas).

The firm’s partnership with FIS ForeclosureSolutions, which began in October 2004, continues todevelop and prosper to meet the demands of theexpanding client base. The Texas FIS ForeclosureSolutions specialists and management team have alwaysbeen willing go the extra mile to resolve issues andprovide the utmost in service for our mutual clients.This hard work and dedication made it possible forHWA to receive the Service Excellence Award (2005-2006) and the Summit Award (2006-2007)at FISForeclosure Solutions’ Annual Attorney Summit.

FRONT ROW: Theresa Medrano, Tiana Santos, Niayana Goonie, JaniceVessella, Capri Savage, Carolyn Taylor, Valeria Bertolini, TiffanyBazaldua, Shameeza Alli, SECOND ROW: Steve Bedinghaus, Cassie Riner, Jarusha HarrisGena Mayss, Gail Sheridan, Emily Corriden, Melinda Pieper, RobertVasquez, Catherine ZeisTHIRD ROW: Kelly Sarabok, Brendetta Scott, Dominique Varner, TrishCorriden, Karen Dockens, Tina Pavlock

HH UGHESUGHES WWATTERSATTERS & A& ASKANASESKANASE

The delinquency problems in California, Florida,Nevada and Arizona are exacerbated by declining homevalues, high inventories of houses, and a much higherpercentage of “investor loans” where the borrower is notliving in the house. For example, in Nevada, 32 percent ofmortgages in foreclosure are investor loans. In Arizona,the rate is 26 percent. Florida’s rate is 25 percent andCalifornia’s rate is 21 percent. The national average is only

13 percent.In addition to geography, the type of

mortgage loan is a key determiner in thelikelihood of default. Contrary to popularopinion, the division is not between primeand subprime loans. The division is betweenfixed and adjustable rate loans. Thedelinquency rate of prime fixed rate loanshas stayed current, with subprime fixedrate loans decreasing in delinquency. On

the other hand, the rate of delinquency is increasingmoderately for prime adjustable rate loans and it isincreasing dramatically for subprime adjustable rate loans.

When mortgage loan professionals understand the truenature of the current delinquency problem, they can makebetter decisions regarding loss mitigation. On a nationalscale, one size does not fit all. A fixed rate loan default inUtah, for example, should be administered differentlythan an adjustable rate loan in default in Nevada.

Extraordinary loss mitigation measures should bereserved for adjustable rate loan defaults or defaults in thosevery few states where foreclosures are truly skyrocketing.

Pick up a newspaper and the headlines will jump out atyou: “Foreclosures Skyrocketing!” Turn on the television

and you will be bombarded by reports on how the financialsky is falling with property values dropping, lenders runningout of money to lend, and foreclosures running rampant.A barrage of gloomy financial reports has diminished thepublic’s confidence in the housing and lending markets.As a result, most people believe the loan delinquencyproblem affects the entire nation.

Truthfully, the mortgage default problemis limited to certain types of loans andcertain geographical areas. As professionalsin the mortgage industry, we should lookbeyond the headlines to fully understandthe problem.

Without a doubt, the delinquency ratefor residential mortgage loans is on the rise.The Mortgage Bankers Association recentlycalculated that delinquent mortgage loans (excludingloans in foreclosure) are currently 5.12 percent of allmortgage loans. This is an increase from 4.39 percent ayear ago. Foreclosures rates have also risen. The percentageof mortgage loans in foreclosure is currently 1.40 percentof all mortgage loans. A year ago, the foreclosure rate was0.99 percent.

However, national averages hide the real story aboutthese statistics. The increase in national foreclosure ratesis currently caused by only four states: California, Florida,Nevada and Arizona. If these four states were excludedfrom the calculation, the national foreclosure rate wouldactually be declining. In reality, 34 states are showing adecline in foreclosure rates, 12 states are showing modestincreases and only four states are showing substantialincreases. The newspaper headlines should exclaim thattwo-thirds of all states show declining foreclosure rates.

LOOKING BEYOND THE HEADLINESby Marlon BatesSCALLEY READING BATES HANSEN & RASMUSSEN, P.C.

14

“THE INCREASE INNATIONAL FORECLOSURE

RATES IS CURRENTLYCAUSED BY ONLY FOUR

STATES: CALIFORNIA,FLORIDA, NEVADA

AND ARIZONA.”


Marlon Bates is the managing partner of ScalleyReading Bates Hansen & Rasmussen, P.C. in Salt LakeCity. The primary focus of his practice is lendersupport, including foreclosures, bankruptcy, evictions,loan workouts, loan documentation, and litigation.

STATE YOUR CASE

15


“Probably the biggest area where we are assisting the client in the loss mitigation area is in the preparation of modificationagreements. We are receiving a huge volume of requests for these. We work directly with the loss mitigation department tohammer out the terms of the mod, quickly prepare it, then express the mod to the customer. In Florida, there is no requirementthat these modifications be recorded in the public records. We have also stepped up letter writing campaigns both before andduring the foreclosure. We have found this to be a very effective way of beginning communications and possible workouts.”

- Dan ConsuegraLaw Offices of Daniel C. Consuegra (Fla.)

“Our group has a pre-foreclosure loss mit program in both our judicial and non-judicial states. We have a Chapter 7 MotionFor Relief/First Meeting of Creditors Program, a program for judicial foreclosures in Cleveland rather than the backlogs anddelays in Cuyahoga County Common Pleas Court, and a program that includes a Notice of Loss Mitigation in every judicialforeclosure our firm files. We have designed these programs so that there is no cost or expense back to the lender or servicer.”

- Frank J. VenezianoWeltman, Weinberg and Reis Co., L.P.A. (Ill., Mich., Ohio, Pa.)

“We have drafted a letter that outlines loss mitigation opportunities for homeowners who truly want to remain in their homes.This letter is either mailed to the homeowner the day the complaint is filed or some servicers have us send the letter along withthe complaint and same is served by a private process server. When a borrower calls because of the letter or otherwise, weprovide the borrower with a toll-free loss mitigation number and offer to transfer the borrower (hot transfer) to a loss mitigationaccount manager who interacts with the borrower to determine whether or not that individual is a candidate for any lossmitigation programs. When a borrower calls this firm, we immediately provide the servicer with a way to contact the borrower.”

- Dennis V. Ferguson Reisenfeld & Associates (Ind., Ky., Ohio)

“Virginia is a trustee state, and the trustee has fiduciary duties to both the noteholder and borrower. Thus, it is very difficultto negotiate terms of loss mitigation plans without the risk of being subject to a complaint alleging violation of those dutiesby favoring the noteholder’s interests should a loss mitigation plan later fail. However, we do support loss mitigation effortsby drafting forbearance plans, loan modification documents, and deeds in lien of foreclosure in accordance with the termsnegotiated by the noteholder or servicer.”

- Richard KneeGlasser and Glasser, P.L.C. (Va.)

In the last issue of The Summit, we asked our attorney network to submit answers to the following question:

Because of increases in foreclosure volumes, some servicers are pursuing loss mitigation efforts asalternatives to foreclosure. In what loss mitigation efforts by servicers has your firm taken part?

As the mortgage industry continues to evolve with new business styles, strategies, and industrystandards, we would like to readers to share their thoughts on these changes. In order to accomplishthis, we pose a mortgage industry question in The Summit newsletter to obtain feedback on aparticular topic. The question for this issue is:

Is your firm aware of any pending legislation in specific states that could affectforeclosure rates (such as state-imposed moratoriums or other interventions)?

Please submit responses to this topic to [email protected] with subject line, “State Your Case.”

nkellnersmith

Highlight

16

THE


“I would like to recognize Sue Forder of Moss Codilis. She is good to work with and is always looking to help shortentimelines with her proactive approach.”

- Andrew Fuerstenberger, Special Assets manager

“Over the past few months, I have worked closely with the litigation group at the Ben Ezra Law Firm. The entirelitigation staff has been very responsive and helpful and has made great efforts in streamlining how a specific client’s loansare handled. Managing attorney David Rodstein took the time to contact both the client and FIS Foreclosure Solutionsto determine what information was needed and when it was needed to ensure the client and FIS were able to make aquick decision on how to proceed with litigated matters. This determination and interest, shared by the entire litigationteam at Ben Ezra’s office, has made a significant difference in the timeline of litigated files.”

- Keri Gaber, Special Assets lead

“Andrew Goldberg of Rosicki, Rosicki & Associates provides immediate response times. Any time I send a request toAndrew regarding a client’s edit project, whether it’s additional instructions for an amended POC or a request to amenda form in Process Management, he usually responds within the hour to advise that the issue is being taken care of and itis always successfully completed.”

- Brian Swanner, Reporting specialist

“Shapiro & Ingle is thorough with explanations, quick in responses and has assisted numerous times with the retrievalof POC’s for aged cases and processes that were not assigned to their firm. This firm, specifically Shela Dickey andDenetra Oot, always goes above and beyond to provide exceptional communication to service our company, teams andclients. Their guidance and support, on a daily basis, is very much appreciated.”

- Chalonda Brinson, Bankruptcy specialist

“Zucker, Goldberg & Ackerman responds to intercoms and emails quickly and makes sure the job is done at the endof the day. I would like to especially recognize Tina Saggio, who is a big asset to both the attorney’s office and FIS. Sheis a conscientious worker who takes the time to make great comments in Process Management along with making surethe Core is complete everyday. She is also very friendly and cares about her work.”

- Donna Kalb, Foreclosure Attorney Management representative

“I would like to recognize Alex Maltez from Bierman, Geesing & Ward, LLC. He has been an incredible resource.When I contact this firm, Alex is always available and provides consistent, reliable information to aid the client.”

- Jason Starkey, Bankruptcy specialist

NOTICE THE NETWORK

S U M

FIS Foreclosure Solutions staff would like to thank the following firms/individuals for their consistent effortsto increase the success of our partnerships:

17


ATTORNEY PERFORMANCE REPORT

New stages and weighting for the MFR scorecard include:MFR Referred to MFR Filed 35 percentMFR Filed to Hearing/Objection Date 5 percentHearing/Obj. Date to Hearing/Obj. Results 5 percentMFR Referred to Results 25 percentAO Results to AO Submitted 10 percentMFR Referred to Order Entered 5 percentMFR Referred to Received 3 percentEvent Completion Percentage 4 percentApproved Reprojection 4 percentReprojection Completion Percentage 4 percent

Initial Stage Measurement: The initial stage measurementon both the Foreclosure and MFR scorecards will bechanged from “File Received” to “File Referred.”

Illustration of Chapter seven and Chapter 13 distribution:The distribution of Chapter seven and Chapter 13 fileswill be shown in the State Attorney Section of the APR.

Inherited Files Stage Update: Stages for which thecompletion of the first event of the stage occurs afterthe date of transfer will be included in the APR forinherited files.

To ensure firms understand the changes that will go intoeffect, updated APR guides and a network announcementoutlining the changes will be released prior to the effectivedate of these changes. Notes from the roundtablemeetings during which these changes were discussed areavailable on the Attorney Roundtable Notes Web site at:http://fndsportal.com/attorneyroundtable/

For questions related to these changes, please [email protected].

Since its initial release in 2004, the Attorney PerformanceReport (APR) has proven beneficial to FIS

Foreclosure Solutions network firms and clients alike,creating a valuable marketing tool for firms and reducingloss severity for clients. Changes to the APR model havebeen limited to only one or two releases each year tomaintain the stability of the report. Enhancements sincethe original model include the introduction of datanormalization, weighting adjustments, allowable delayadjustments, a client-specific data section, and theaddition of the color-coding section and correspondingtenure and volume requirements. The AttorneyRoundtable, established in 2005, has helped FIS’reporting department prioritize changes to the model.

In 2007, FIS proposed additional enhancements tothe Attorney Roundtable members for review and feedback.The proposed enhancements included changes to the stageswithin the Motion for Relief (MFR) scorecard, separationof Chapter seven and Chapter 13 files within the MFRscorecard, and inclusion of inherited files on stages inwhich the first event of the stage occurs after the date oftransfer. Based on the feedback received from networkfirms and through continued discussion with theroundtable members, additional changes were requested forthe next APR enhancement release.

FIS Foreclosure Solutions is please to announce thenext set of APR enhancements scheduled for release inQ1 2008:

MFR APR Scorecard stage and weighting adjustments:In addition to weighting adjustments for current stageson the MFR scorecard, proposed changes include theaddition of an “Agreed Order Submitted to Court” eventin Process Management and an increase in the APRscoring period from 90 days to 120 days.

by Lindsey Lesch

18

FIS Foreclosure Solutions, Inc. A Division of Fidelity National Default Solutions

ATTORNEY GUEST SEMINARS

SEPTEMBER - MN SEPTEMBER - FL

OCTOBER - FL

NOVEMBER - FL

GRAY & ASSOCIATES(L to R): John Cody (FIS), Nate Miller (FIS), Steven Zablocki,Colleen Quirk, Liquenda Allotey (FIS), Jay Pitner

REINER, REINER & BENDETT(L TO R): Adam Bendett and Randy McHugh

LERNER, SAMPSON & ROTHFUSSBACK (L TO R): Drew Boyles, Stephanie Hafer, Bill Purtell, LindseyLesch (FIS)FRONT (L TO R): Lakesha Adams (FIS), Polina Belinskaya (FIS)

PLUESE, BECKER & SALTZMAN(L TO R): Lindsey Lesch (FIS), Lakesha Adams (FIS), Rob Saltzman,Polina Belinskaya (FIS), Sandy Becker

DOONAN, GRAVES & LONGORIA(L TO R): Janice Geier, Donna Small, John Doonan, Stefanie Landry,Reneau Longoria

LAURITO & LAURITO(L TO R): Erin Laurito, September Hall, Jinni Bougie (FIS)

OCTOBER - MN

NOVEMBER - MN

(ABOVE)PUMPKIN CARVINGCONTEST:“FIShark” by BKAtty Management.

19


TECHNOLOGY NEWS

CLIENTSFIS Desktop Avelo MortgageFIS Desktop EMC BankruptcyFIS Desktop Carrington Mortgage Services FIS Desktop Home Loan ServicesFNFS Marix MortgageFNFS PHH Mortgage

FIRMSAL Albertelli LawCA/NV Aztec Foreclosure CorpCA Old Republic Default Management ServicesCA Solomon Grindle Silverman & SpinellaCT/DC/ McCabe, Weisberg and ConwayMD/VADC/VA Curran & O'Sullivan, PCFL Phillips, Flynn, DareneauGA Moore & AssociatesGA Shuping, Morse & RossKY Reynolds & Thompson, LLPLA Foreclosure Law Firm, LLCMN Elizabeth Mason, PCNJ/PA Stern & Eisenberg, LLPNY Ziccardi & Rella PCOH Luper, Neidenthal and LoganOK Lamun, Mock, Cunnyngham & DavisSC Riley Pope & LaneyWV Law Office of D. Kevin Moffatt

NEW TO THE FIS PARTNERSHIPFIS Foreclosure Solutions welcomes the following clientsand firms to the FIS partnership from September,October, November and December.

This Halloween, FIS Foreclosure Solutions inJacksonville held a candy drive to benefit theClara White Mission, a non-profit organization thatprovides housing, training, food and more to the needy in Jacksonville.We are proud to announce that the JAX office donated 3,202pieces of candy to the CWM. Team members also competed in acube decorating contest. Kevin Stoutenburg’s bidding instructionsteam took first place (see photo below).

The Minnesota office participated in a pumpkin carvingcontest and a costume contest. The winning pumpkin was a“FIShark” created by the Bankruptcy Attorney Management team.

EMPLOYEE ACTIVITIES

(RIGHT)CUBE DECORATINGCONTEST: KevinStoutenburg’s team’swinning team cube.

(LEFT)COSTUME CONTESTL TO R: ChuckHenrickson,Rebecca Conrin,Sarah French


The Peak Performance Award program was created to recognize superior employee performance at FIS Foreclosure Solutions. Employees arenominated for noteworthy performance, customer praise, suggestions or improvements, or completion of additional tasks. Peak PerformanceAward winners have taken it upon themselves to improve our company through their exceptional work ethic, creativity, and customer service.

20

PEAK PERFORMANCE AWARD WINNERS

BARBARA WINN

A network firm contacted Barbara’smanager saying, “She has been unbelievablyhelpful to everyone she deals with here. Ihave employees every day tell me howtruly great she is.” Barbara is a BK attorneymanagement associate in MN.

LEO STANFIELD

Leo, a financial support supervisor inJacksonville, was recognized for resolvinga client’s timing issue. The client said,“Leo did a great job stepping up on thisissue to get it working for us. I called him... he took it and just made it happen.”

MICHAEL REAP

Mike, a financial support specialist inJacksonville, consistently goes beyond hisjob duties. His supervisor said, “Mike takesgreat pride in being able to fully resolve anydisputes or complaints and assist all partiesin making a well-informed decision.”

KATHY GIDDINGS

A client recently contacted Kathy’s managerto say, “I wanted to let you know howappreciative I am of Kathy's promptnessand attention to a given matter. She is areliable contact for me and I can alwaysdepend on her giving her best effort.”

Andy contributed to the Mail team’ssuccess in working a client’s maildiligently to bring their number down tozero. Their focus and dedication wasgreatly appreciated by the client and FISForeclosure Solutions staff.

RACHEL ONSINYO

A client recently expressed howimpressed they are with Rachel’s workon exception reports and her managershared in their praise. Rachel is a clientreconciliation specialist.

NANCY DUNCAN

Nancy’s supervisor and manager sharedin their praise for her. “When she finishesher work, she will go around thedepartment to see who needs help andshe dives right in.” Nancy is a FC attorneymanagement associate in Jacksonville.

LUCILLE BLESSING

A FIS Foreclosure Solutions managercontacted Lou, a FC attorneymanagement associate, and was“wowed by her friendly nature.” Lou’smanager noted that she always has agreat attitude and work ethic.

BRENT REICHOW

A client contacted Brent’s manager andsaid, “I deal will complicated issues dayin and day out and hit many brick walls.That was until I met Brent. He truly is agreat team player.” Brent is a titlemanagement associate in MN.

BETHANY HOOD

Bethany, a supervisor on the Mail teamin MN, and two of her team memberssuccessfully got a client’s mail bin downto zero. They cleared out the queueearlier than expected because of theirdedication to the project.

Dameyan, on the BK POC/PlanReview team in Jacksonville, took on aclient’s POC edit project. He and BrianSwanner successfully handled thisextensive project while keeping up withtheir daily duties.LAYLA WEIDE

Layla worked with her Mail teammembers to clear a client’s mail queue.The client said, “Thank you all so muchfor all of your hard work on this mailbin. I am thrilled to see it at zero again.”

BRIAN SWANNER

Brian’s manager and a client praised himand Dameyan Barrett for theirdedication to complete that client’sPOC edit project. Brian is a member ofthe BK POC/Plan Review team inJacksonville.

DAMEYAN BARRETT

ANDY MORCOMB