(you will return every page in this package except this cover page)

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1 RE: Chapter 13 Bankruptcy Instructions Effective 1/1/2016 Dear New Client: Thank you for choosing Grantham Law, LLC. I hope that during your initial interview that we were able to answer any questions that you had concerning bankruptcy. As we discussed, we work on an hourly fee, and require a retainer deposit. The hourly fee will be billed against the retainer, and any unused retainer will be refunded upon completion of all work or termination of services by either party. You may pay the retainer all at once or break up your payments in monthly installments. The retainer, hourly rate and expenses are disclosed in the attached fee agreement and schedules. If you wish to retain us, please follow these instructions carefully: 1. Read this letter and all attached paperwork: If you agree with the terms of the fee agreement, initial each page and sign the fee agreement and its schedules. Complete and sign all the other forms that are contained in this package and return all the signed forms along with your retainer to: Grantham Law, LLC 271 Cambridge Street Suite 203 Cambridge, MA (you will return every page in this package except this cover page) 2. Follow the Instructions on our Website: On the webpage where you downloaded this package, proceed to Step 2 and once you have finished, proceed with the following steps until the instructions tell you to stop. Do not skip any steps and follow the instructions carefully. 3. Notify Your Creditors: Once you have retained our services, you may inform your creditors that you have retained a bankruptcy attorney. Please give your creditors this number to call to confirm representation: Please do not give them our toll free number, we will not confirm representation if a creditor calls this number, it is for new clients only. 4. While your petition is being prepared, you must stop using your credit cards and stop making all credit card payments. However, it is important that you do continue to pay your utilities, housing payments, automobile payments, and insurance. If you have any questions about what you should be paying, please contact us. If you have a debit card with a Visa or MasterCard logo, it is ok to use that card. 5. If you are currently behind in your mortgage payments, or are facing foreclosure, please let us know immediately!!! Send us any correspondence you receive regarding a pending foreclosure. Again, I would like to thank you for choosing us to represent you in this matter. If you have any questions or concerns, please feel free to contact me directly at the number listed below. Best regards, Grantham Law, LLC 100 Cummings Center Suite 224C Beverly, MA Tel/fax (978)

2 CHAPTER 13 CLIENT CONTACT INFORMATION Please take a moment to complete the following information and return this sheet with your fee agreement. If any of this information changes, you are responsible for informing us immediately. NAME: SPOUSE NAME (IF FILING JOINTLY): PHYSICAL ADDRESS: MAILING ADDRESS: SAME AS ABOVE HOME PHONE #: CELL PHONE #: ( ) - ( ) - PRIMARY ADDRESS: Please answer the following questions: I am filing: Individually; or, With a Spouse I/We own home: yes; no If I/we own our home; it is my/our intent to: Keep the property; Surrender the property Either I or spouse (if filing jointly) own investment property: yes; no I have received a notice of foreclosure concerning property that I own: yes; no BANKRUPTCY QUESTIONNAIRE OPTIONS Important: In order to prepare your bankruptcy petition, you must complete a detailed questionnaire that will provide us with information on your current financial situation. You have two options of preparing this questionnaire. You may either complete an online questionnaire on our website, or fill out old-fashioned paper forms. Once you decide whether to use the paper forms or online forms; check your selection below and follow the instructions: Paper Forms: I DO NOT WISH TO USE ELECTRONIC FORMS, PLEASE SEND ME A QUESTIONNAIRE THROUGH THE MAIL. If you select paper forms, you will receive a paper questionnaire and instructions in about 7-10 days. (Please be aware that paper forms take more time to process. If time is of the essence, we recommend that you chose the online forms.) Online Forms: (preferred method). Our online forms are easy to use and confidential; moreover, it will speed up how fast we can prepare your bankruptcy petition. If you chose to use the online forms, go to Follow the instructions on the page; beginning with Step 2. Initials:

3 CHAPTER 13 ATTORNEY-CLIENT FEE AGREEMENT This document (the "agreement") is the written fee contract that the law requires lawyers to have with their clients. We, GRANTHAM LAW, LLC will provide legal services to you,, and, on the terms set forth below. 1. CONDITIONS. This agreement will not take effect, and we will have no obligation to provide legal services, until you return a signed copy of this agreement and pay the initial deposit called for under Paragraph SCOPE OF SERVICES. You are hiring GRANTHAM LAW, LLC as your attorney, to represent you in a Chapter 13 Bankruptcy proceeding. We will provide all legal services reasonably required to represent you for a Chapter 13 Bankruptcy this includes all services typically required to obtain a discharge of your debts through this type of bankruptcy proceeding, including but not limited to: the preparation and filing of your petition, schedules, and plan, representing you before the trustee in the 341 meeting of creditors, periodically reviewing your progress and filing a motion for discharge, and responding to trustee and creditor motions within the usual scope of the bankruptcy. 3. CLIENT'S DUTIES. You agree to be truthful with us and with the preparation of your bankruptcy schedules, to cooperate, to provide us with any documentation we require, to abide by this agreement, to pay all bills on time and to keep us advised of your address, telephone number and whereabouts. You are responsible for notifying us of all legal documents you receive relating to foreclosure of your property. 4. MINIMUM FEE/DEPOSIT. Prior to the filing of your bankruptcy you agree to pay GRANTHAM LAW, LLC a retainer deposit of the amount set forth in Schedule A. Your bankruptcy will not be filed until the retainer has been paid in full, regardless of the status of any foreclosure or other legal proceeding. Your initial deposit will be applied as a credit that will be used to pay your legal fees and other charges you incur as outlined in paragraph 5 of this agreement. Any and all remaining credit/retainer at the conclusion of our services will be refunded to you (if any). 5. LEGAL FEES AND BILLING PRACTICES. You will be billed by the hour at our prevailing rates for all time spent on your matter. You will also be responsible for all costs incurred by us while working on your bankruptcy. Our current hourly rates and costs are set forth on the attached Schedule A. If the amount of our legal fees exceeds the amount of your retainer deposit, thus exhausting your deposit, we reserve the right to file a fee request with the Bankruptcy court and our fees will be paid from the amounts you paid the Bankruptcy Trustee as an administrative expense. 6. DISCHARGE AND WITHDRAWAL. You may discharge us at any time. We may withdraw with your consent or for good cause. Good cause includes your breach of this agreement, your refusal to cooperate with us or to follow our advice on a material matter, or any fact or circumstance that would render our continuing representation unlawful and/or unethical. When our services conclude, all unpaid charges will immediately become due and payable. After our services conclude, we will, upon your request, deliver your file to you, along with any unused retainer and other property of yours in our possession. Initials:

4 7. CASE DISMISSAL. In the event that your bankruptcy case is dismissed by the Court due to: (a) your failure to make plan payments; (b) your failure to comply with a Court order; or, (c) you seek to voluntarily dismiss your bankruptcy, our representation under this fee agreement will terminate once the Court enters an order closing your case. At that time, we will refund to you your unused deposit. If your deposit has been depleted, and there remains an unpaid legal fee to this firm, you authorize us to seek collection of our fees from the monies you paid into your Chapter 13 plan to the chapter 13 trustee in your case. 8. FULLY INTEGRATED CONTRACT. I understand that this document is a contract that represents the full agreement between Grantham Cencarik, PC and me. Grantham Cencarik, PC had not made any promises or representations about the outcome of my matter, other than the ones that are expressly contained in this agreement. GRANTHAM LAW, LLC I/We understand that this document is a legally binding contract that creates obligations. I/We have read and understood the foregoing terms and agree to them. If more than one party signs below, we each agree to be liable, jointly and severally, for all obligations under the foregoing agreement. Signature: Spouse (if joint): Print: Print:

5 SCHEDULE A Chapter 13 Bankruptcy Rate Schedule A. Retainer Amount: $3,500.00: Not self-employed, not avoiding or reducing a second mortgage or other secured debt. $4,000.00: You are self-employed, or we are avoiding a second mortgage or other secured loan. $ : Other (use only if instructed by your attorney) B. Hourly Rates: $ per hour C. Billing Period/Billing Increments: Billing Period is from first day to the last day of each month We charge in increments of 1/10 th of an hour D. Costs & Expenses In-Office Photocopying: Fax (incoming): Mileage Other costs/expenses: $ 0.15 per page $ 0.15 per page Current IRS Standard when incurred charged to you at actual cost to firm E. Notice/Changes The rates on this schedule may change if given 30 days written notice. If you decline to pay any increased rates, we will have the right to withdraw as your lawyers.

6 ONLINE CREDIT REPORT INSTRUCTIONS Prior to obtaining your credit reports you must provide us with the following: A. Signed Credit Report Order Form (attached); B. Completed Authentication Questionnaire (attached); C. Copies of two forms of ID, one of which must have your picture, both of which must have your current address (if you are filing jointly, 2 forms of id for each debtor). Below are acceptable forms of ID: (you are not limited to the ones listed below) Picture ID Drivers License State ID Card Passport 2 nd ID Utility Bill Credit Card Statement Canceled Check Proof of Insurance Card Pay Stub Car Registration IMPORTANT: Do not fax the attached form directly to CreditInfoNet!!! Return the form to us with your fee agreement.

7 4540 Honeywell Court Dayton, OH Facsimile Consumer Request & Agreement for Consumer Liability Report (CLR) Name SS# - - Spouse s Name (if joint) SS# - - Address City State Zip This writing constitutes my written instructions to Credit Infonet to obtain my credit files and compile a list of all accounts with a balance owing. The completed results in the form of a creditor liability report is to be delivered on-line or via Fax to the CIN Referral Agent. Data elements from this request may also be utilized for downloading into the Agents automated bankruptcy filing system. TERMS OF SALE The undersigned (hereinafter referred to as Consumer(s) contracts with Credit Infonet for the use of its services under the terms, conditions, and agreements outlined below. The Fair Credit Reporting Act FCRA (Public Law ) provides in section (Sec. 604) Permissible purposes of reports: that any consumer reporting agency may provide a report (Sec. 604) (2) In accordance with the written instructions of the consumer to whom it relates The FCRA also provides (Sec. 619) that anyone who knowingly and willfully obtains information under false pretenses shall be fined under Title 18, or imprisoned not more than one year, or both. Having been made aware of these provisions of the law, the Consumer(s) agree to the following. They are the person(s) on whom they are requesting the report be prepared, and they have presented positive identifying information to prove so. They are requesting this report under the right granted them in (Sec. 604) (2) of the FCRA as disclosed above. The Consumer(s) agree that the sole purpose and obligation of Credit Infonet in this transaction is to provide a means by which they may obtain a report consisting of the data from national credit files at their written instructions. The FCRA places no restrictions on how Consumer(s) may utilize or share a report that is ordered at their written instructions. Consumer(s) acknowledges and agree that after a report is delivered to their possession Credit Infonet and its sources of information can in no way be held responsible or liable for its use. Credit Infonet agrees that it will provide the Consumer with a report in a Creditor liability summary or schedule format showing all Creditors listed with balances owing. Credit Infonet shall provide, when available the names, address, and direct phone numbers of information furnishers (Credit Grantors or Public Records sources) within the file. No additional information from the files shall be included in this report. Consumer(s) agree to pay in advance the fee for this report to the participating referral agent. Signature Spouse s (if Joint) Date Product Requested: CLR (2) Source Individual Joint Referral Agent Code: A13486 Name: Dax B. Grantham Phone (978) Fax (978) dax@grantham.legal Prior to accessing the CLR Report this Consumer request and a photocopy of proper picture identification must be faxed to: Alternatively it may be scanned and up-loaded to the CIN On-Line transaction. Picture ID may be copied on lower portion of this order or as a separate attachment. May also be printed on legal for additional space.