Expense Codes: Activity Listing Expense codes + Expense descriptions Notes
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1 Exhibit 74 and Income Codes for Reimbursement Claims Codes: Activity Listing Action Foreclosure Attorney Fees (Judicial) Attorney Fees Torrens Act Limited to applicable properties in MN only Mediation Court Costs Prior approval is required Mediation Attorney Fees Prior approval is required Attorney Fees (Non Judicial) Bulk Trial Foreclosure/Inquest Process Limited to FL, NY and NYC only Process Server Fee/Postage for Mailing of Foreclosure Notices Attorney Fees to Shorten a Redemption Period Prior approval is required Additional Mediation Hearings Prior approval is required Foreclosure on a Cooperative Share Prior approval is required Final Report/Accounting of the Foreclosure Sale Status/Conciliation/Case Management Prior approval is required Conference Advertising Fees Posting Advertising Fees Publication Sheriff/Auctioneer Fees Court Costs Title Work Torrens Act Costs (MN only) Limited to applicable properties in MN only Title Preliminary Cost Limited to OH and KY only Appraisal Charge Prior approval is required Bankruptcy Chapter 7 Proof of Claim Preparation Chapter 7 Motion for Relief from Stay (up to 2 hearings and order) Chapter 7 Additional Hearings Chapter 7 Multiple Filing Litigation Chapter 11 Proof of Claim, Plan Review and Plan Negotiations 03/09/16 Page E74 1
2 Chapter 11 Motion for Relief from Stay (up to 2 hearings and order) Chapter 11 Objection to Plan (up to 2 hearings) Chapter 11 Agreed Order; Court Certification of Default/Stay Terminated Chapter 11 Agreed Order; Notice of Default/Stay Termination Chapter 11 Payment Change Prior approval is required Notifications Chapter 11 Notice of Fees, s & Prior approval is required Charges Chapter 11 Response to Final Cure Prior approval is required Payment for Agreed Response Chapter 11 Response to Final Cure Prior approval is required Payment for Dispute Chapter 11 Additional Hearings Chapter 11 Multiple Filing Litigation Chapter 12 Proof of Claim, Plan Review and Plan Negotiations Chapter 12 Motion for Relief from Stay (up to 2 hearings and order) Chapter 12 Objection to Plan (up to 2 hearings) Chapter 12 Agreed Order; Court Certification of Default/Stay Terminated Chapter 12 Agreed Order; Notice of Default/Stay Termination Chapter 12 Payment Change Prior approval is required Notifications Chapter 12 Notice of Fees, s & Prior approval is required Charges Chapter 12 Response to Final Cure Prior approval is required Payment for Agreed Response Chapter 12 Response to Final Cure Prior approval is required Payment for Dispute Chapter 12 Additional Hearings Chapter 12 Multiple Filing Litigation Chapter 13 Proof of Claim, Plan Review and Plan Negotiations Chapter 13 Motion for Relief from Stay (up to 2 hearings and order) Chapter 13 Objection to Plan (up to 2 hearings) Chapter 13 Agreed Order; Court Certification of Default/Stay Terminated 03/09/16 Page E74 2
3 Chapter 13 Agreed Order; Notice of Default/Stay Termination Chapter 13 Payment Change Notifications Chapter 13 Notice of Fees, s & Charges Chapter 13 Response to Final Cure Payment for Agreed Response Chapter 13 Response to Final Cure Payment for Dispute Chapter 13 Additional Hearings Chapter 13 Multiple Filing Litigation Chapter 11 Amended Plan Review Chapter 12 Amended Plan Review Chapter 13 Amended Plan Review Court Costs Other Court Costs (PACER, transcript, witness fees) Appraisal Charge Prior approval is required 03/09/16 Page E74 3
4 Contested Probate Proceedings (Judicial) Prior approval is required Foreclosure Contested Foreclosure Resolved by Prior approval is required Motion for Summary Judgment (Judicial) Responding to a Motion to Dismiss Prior approval is required (Judicial) Motion for Mediation in a Contested Prior approval is required Foreclosure (Judicial) Contested Foreclosure Resolved by Trial Prior approval is required (Judicial) Contested Foreclosure Fee Other Prior approval is required (Judicial) Probate Proceedings (Non-Judicial) Prior approval is required Contested Foreclosure Resolved by Prior approval is required Motion to Dismiss (Non-Judicial) Contested Foreclosure Resolved by Prior approval is required Summary Judgment Motion (Non-Judicial) Motion for Mediation in a Contested Prior approval is required Foreclosure (Non-Judicial) Contested Foreclosure Fee Other (Non- Prior approval is required Judicial) Borrower Initiated Motions Prior approval is required Reply to Affirmative Defenses/Motion to Prior approval is required Strike Discovery (RFP, RFA, Roggs) Prior approval is required Other Legal Deed-in-lieu of Foreclosure Attorney Fees Receiver Fees Prior approval is required Receivership Additional Court Prior approval is required Appearance Cost Sheriff/Auctioneer Fees Other Actions Suit On Note / Deficiency Judgment Prior approval is required Certificate of Regularity Guardian Ad Litem Prior approval is required Skip Trace / Investigative Report Reimbursable up to a maximum of $ Environmental/Department/ Violation Search Other Searches Courier/Overnight Delivery/ Certified Mail All Recording Fees Utilities Electric Bills Gas Bills Oil Bills Water Bills Other Utilities Prior approval is required 03/09/16 Page E74 4
5 Property Repairs Maintenance/ Preservation Emergency Repairs Fence Repair As needed to repair or replace damaged sections of fence in order to secure pool area or property perimeter Dehumidifier As needed to abate/prevent mold growth due to moisture Mold Treatment Abatement of interior mold growth with non-primer or non-paint-based chemicals intended for such use (e.g. bleach). A bid to remove mold must be submitted if treatment is not expected to abate further mold growth Utilities Transfer To be used when an on-site visit and wait time are required Roof Repair/Replacement As needed, if active leak is present. Flat roofs must not be tarped; all other roofs, however, may be tarped if repair work cannot be completed within the expense limit Gutter Repair/Cleaning As needed to prevent blight, roof damage and leaks Interior Painting Prior approval is required Exterior Painting Prior approval is required Sump Pump/HVAC Repair/Replacement Servicing and restart as needed. Existing hardware must be tested with generator if electric is not on at the property Flooring Repair Prior approval is required Appliance Repair/Replacement Prior approval is required Other Repairs Prior approval is required Other Replacements Prior approval is required Securing (Knob Locks) If needed for access to, and/or securing of, the property Boarding (Broken Windows) Where needed, as required by local ordinances. All missing windows and doors should be boarded, not repaired Police/Fire Report 03/09/16 Page E74 5
6 Pool (In Ground Pool Securing) Covering or boarding of in ground pools Pre-foreclosure Vacant Property Registration Initial vacant property registration and reregistration fees Securing (Padlocks) If needed for access to, and/or securing of, the property Securing (Slider Locks) If needed for access to, and/or securing of, the property Securing (Window Locks) If needed for access to, and/or securing of, the property Security Door If needed for access to, and/or securing of, the property Boarding (Doors) As needed to secure nonaccess entryways with missing or broken doors Extermination (Non-Licensed) As needed, to address infestation with over-thecounter products Pool (Above Ground Pool Securing) Covering or boarding of above ground pools. Pool may be tarped if pool frame is unable to support weight of covering or boarding. Collapsed pools may be moved to an exterior shed, garage or other secure structure on the property Pool Draining To be used when draining pools, hot tubs, spas or ponds Pool (Hot Tubs or Spa Securing) Covering or boarding of hot tubs, spas or ponds Interior Property Cleaning (Refrigerator) As needed, to remove all perishables from refrigerators, freezers and other appliances that may pose a risk of infestation to the property. Interior must be wiped down and free of hazards. 03/09/16 Page E74 6
7 Trash Removal/Dumping Fees To be used as needed for the removal of health hazards and exterior debris. Interior debris that may pose a risk to the property must also be removed. Exterior personals resulting in a violation or in the way of the grass being cut may be moved Interior Property Cleaning (Toilets) Extermination (Licensed) Fumigation by a professional extermination company Pest Removal Removal of dead vermin from property Initial Yard Maintenance (Lots greater than 10,000 sq. ft.) Initial Yard Maintenance (Lots of up to 10,000 sq. ft.) Yard Maintenance (Lots of up to 10,000 sq. ft.) Yard Maintenance (Lots Greater than 10,000 sq. ft.) To be used on properties with lots greater than 10,000 square feet. Full yard and/or perimeter cut, weed removal or desert landscaping, as applicable, once per Yard Maintenance Season.* To be used on properties with lots of 10,000 square feet or less. Full yard cut, weed removal or desert landscaping, as applicable, once per Yard Maintenance Season.* To be used on properties with lots of 10,000 square feet or less. Semi-monthly full yard grass cuts, weed removal or desert landscaping, as applicable, during Yard Maintenance Season.* To be used on properties with lots greater than 10,000 square feet. Semi-monthly full yard or perimeter grass cuts, weed removal or desert landscaping, as applicable, during Yard Maintenance Season.* Trimming (Shrubs) As needed during Yard Maintenance Season* Trimming (Trees) As needed during Yard Maintenance Season* 03/09/16 Page E74 7
8 Winterization (Dry) One time charge during winter season** Dewinterization Prior approval is required Winterization (Wet/Steam) One time charge during Winterization Season** Winterization (Radiant) One time charge during Winterization Season** Re-winterization If necessary, once per calendar year Winterization (Additional Unit) One time charge during winter season** Capping (Electric) To be used if electric is on Capping (Gas) As needed to prevent damage to property Capping (Water) As needed to prevent damage to property Capping (Sewer) As needed to prevent damage to property Capping (Chimney) As needed to prevent access to critters and small vermin Snow Removal As needed during winter season** Dryer Vent Cover As needed to prevent access to critters and small vermin Other Maintenance Costs Prior approval is required Exterior Property Inspection Interior Property Inspection Deed-in-Lieu Property Inspection One time charge prior to deed execution. The Servicer must complete the workout settlement pursuant to Section for reimbursement of this expense Ordinance Required Property Inspection (Weekly) No more than four in a given month Ordinance Required Property Inspection (Biweekly) No more than two in a given month Liens Superior (First) Liens Prior approval is required IRS Liens Prior approval is required Other Liens Prior approval is required 03/09/16 Page E74 8
9 Insurance/ Taxes Homeowners' Association (HOA) Deed-in-Lieu Subordinate Lien Payment The Servicer must complete the workout settlement pursuant to Section for reimbursement of this expense Mortgage Insurance Premiums FHA Insurance Premiums Property Insurance Premiums Flood Insurance Premiums Lender-Placed Insurance Premiums Supplemental Windstorm Coverage County Property Taxes Municipal Property Taxes Borough Property Taxes Town Property Taxes Village Property Taxes School Taxes Sewer Charges Other Property Taxes Specify in comments section of the claim Supplemental Tax Transfer Tax Prior approval is required. Refer to Section Ground Rents First Tax Penalty on Non-Escrowed Mortgages Second Tax Penalty (CA only) Ad Valorem Tax Homeowners' Association and PUD Fees Refer to Section regarding such expense liens that could subordinate the Mortgage Special Assessments Condominium Project Documents/HOA Transfer Fee Other Principal Reimbursement Freddie Mac Special Inspection Prior approval is required Connectivity Fee Reimbursable up to a maximum of $25 per referral for the life of the default. (Refer to Section for details on this fee.) 03/09/16 Page E74 9
10 Technology Fee Reimbursable up to a maximum of $5 per referral, before 04/01/11, for the life of the default. (Refer to Section for details on this fee.) Invoicing Fee Reimbursable up to a maximum of $5 to process foreclosure invoices and a maximum of $5 to process bankruptcy invoices for the life of the default. (Refer to Section for details on this fee.) Deed-in-Lieu Borrower Relocation Assistance Reimbursable up to a maximum of $3,000. (Refer to Section for details on this assistance.) All Loan Modification Programs The Servicer must complete the workout settlement pursuant to Section for reimbursement of this expense Borrower Relocation Assistance Reimbursable up to a maximum of $3,000. (Refer to Section for details on this assistance.) State Registration Fee Initial property registration and the re-registration where applicable law requires a fee when conducting a foreclosure. Reimbursable up to a maximum of $ Recordation Fees Actual cost Title Costs, if applicable (except with respect to title costs in connection with a foreclosure proceeding) Notary Fees $ Home Value Explorer (HVE ) $150 Reimbursable amounts are in accordance with the limits specified in Exhibit 57A + All expense codes require from and to dates for the period billed except for the mortgage modification program expense codes. 03/09/16 Page E74 10
11 * YARD MAINTANANCE SEASON AND FREQUENCY REQUIREMENTS Year Round (Monthly) Year Round (Semi-monthly) STATES AZ, NM and NV AL, AR, CA, FL, GA, GU, HI, LA, MS, OK, SC, TX, VI and PR 06/01-09/30 (Semi-monthly) AK 03/01-10/31 (Semi-monthly) All others ** WINTERIZATION SEASONAL REQUIREMENTS STATES Not Permitted Year Round HI, GU, PR and VI AK 09/01-04/30 All others Income Codes: Activity Listing Action Income codes ++ Income descriptions Notes Escrow Escrow balance at DDLPI (positive) Subsidy/ Buydown Subsidy Fund (buydown account) Rental Rental income Other (specify) Other income (income received after DDLPI) Mortgage Insurance Premium Refund Suspense Payments Payments after DDLPI HOA Refunds Utility Refunds Attorney Refunds Insurance Refunds Property insurance premium refund Flood insurance premium refund Lender-placed insurance premium refund Supplemental Windstorm Coverage Provide a brief description of the item in the Comments section of the claim 03/09/16 Page E74 11
12 Tax Refunds County tax refund Municipal, Borough, Town, Village, tax refunds School tax refund Sewer tax refund Supplemental tax refund Interest on Escrow Interest on Escrow ++ If available, provide from and to dates for the refund period. Note: For a listing of any previous expense codes not currently listed in this exhibit, refer to earlier effective date versions of this exhibit. 03/09/16 Page E74 12
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