CLAIM ADJUSTMENT SPECIALISTS

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1 CLAIM ADJUSTMENT SPECIALISTS SUPPLEMENTAL REPORT 05/13/2014 TO: Claims Department FROM: Jason Lockridge Proctor Financial Insurance 5225 Crooks Rd Dallas Parkway Troy, MI Dallas, TX (248) (248) FAX FAX DATE ASSIGNED: 04/17/2014 CLAIM #: X DATE CONTACTED: 04/18/2014 OUR FILE #: PR DATE INSPECTED: 04/21/2014 TYPE OF LOSS: Vandalism DATE OF LOSS: 04/04/2014 INSURED: LOCATION: Flagstar Bank, FSB 4940 Cline Rd Resaca, GA ENCLOSURES: 1) Adjuster's Revised Estimate of Repair COVERAGE INFORMATION: POLICY: 41LX POLICY TERM: 06/01/2013 to 06/01/2014 LOAN #: A) Dwelling INSURANCE: $280, B) A.P.S. INSURANCE: $ 28, DEDUCTIBLE: $ 2, COVERAGE VERIFIED BY: Company advised on claim report form.

2 RISK: The risk is approximately 25 years old and maintained in average condition. The two story, single family risk is of frame construction with a metal roof. The risk is located in a residential, rural neighborhood. The occupancy status is vacant. CAUSE OF LOSS: THEFT: Unknown person(s) have removed permanently affixed items from the risk. FIRE: A fire of unknown cause has caused damage to ceilings, walls, flooring, framing, counter tops, and cabinets. SUMMARY OF NEIGHBORHOOD CANVASS, INSPECTION REPORTS, UTILITY CHECK, ETC: CONTACT: Steve Marquis MCS NEIGHBORHOOD CANVASS: 4962 Cline Rd No one was home at the time of my inspection. UTILITY CHECK: Georgia Power No information was given due to privacy laws. The electric was off at the time of my inspection. POLICE REPORT: Resaca Police Department 330 Walker St NW Resaca, GA (706) No reports could be located for this location. INSPECTION REPORTS: Inspection reports show the prior borrower to be Sherry D Voyles. The initial secure of the risk was on 3/31/2014. The FTV date is shown to be 4/4/2014. No photos were provided in the inspection reports. The narrative states that there is mold throughout from fire.

3 WINTERIZATION: There was no sign of winterization at the time of my inspection. PRIOR BORROWER IDENTITIY: I was unable to locate forwarding contact information for Ms. Voyles. MAINTAINING OF HEAT: No heat was being maintained at the time of my inspection. PRIOR INSURANCE: The prior insurance is stated to be Allstate, policy The Allstate policy was replaced due to REO on 8/23/2013. ISO REPORT: There are no matching claims within the ISO Report. FIRE DEPARTMENT: Gordon County Fire-Rescue Headquarters 400 Belwood Rd. SE Calhoun, GA This small town is serviced by a volunteer fire department. I contacted the Gordon Co. Fire Rescue, and was advised that they did service Cline Road, but not as far north as the address They referred me to Whitfield County. Whitfield County Jurisdiction 804 Professional Blvd Dalton GA I spoke to Kim Richards, who confirmed that they responded to a fire at this risk location on 2/21/2014. Ms. Richards ed a Freedom of Information Request form, which I have completed and returned to her attention. I will forward the report upon receipt. ADJUSTER'S OBSERVATION: The risk was secure and maintained in average condition. Two different losses were found at the risk. There are damages as a result of theft and fire. Unknown person(s) have removed plumbing, vanity, light fixture, handrails, wiring, dishwasher, towel bars, and toilet paper holders. A fire that originated in the 2 nd floor has caused damage to flooring, ceilings, walls, framing, fixtures, cabinets and counter tops. There is smoke and water damage throughout the property. I have prepared an estimate of damages observed at the time of my inspection. There is damage to roof framing from fire. The roof is made up of metal roofing and two layers of shingles. Some of the roofing will need to be removed to repair the damaged roof framing. No broker information was provided for this loss. There may be additional damages found once repairs are underway. However, only theft or fire related damages should be considered. My estimate excludes mold. My estimate excludes unmitigated damages, as the risk has not been dried out since the fire.

4 REOPEN INSTRUCTIONS: Please reopen the file to hire an engineer to complete and origin and cause investigation. ADJUSTER S REOPEN COMMENTS: Per your request I retained the services of Donan Engineering Co to determine the cause and origin of the fire that occurred at the loss location. I met with John Hill from Donan to provide access to the property. Attached is the full report from Donan. In summary, based on what is known at this time, I am of the opinion that: The origin of the fire is the southwest corner of the second-level hallway. The ignition source causing the fire is consistent with a handheld open flame device. The classification of the cause of the fire is Incendiary. A suspect has been located by Detective Jeff Wells with the Whitfield County Sheriff s Department. I made a second visit to the property to allow access to fire investigator John Hill. I did a walk through the property and discovered that someone has gutted one of the exterior AC units. This damage was not present during my original inspection on 4/21/2014. I have prepared an estimate for new damages observed on my second visit to the property. ADJUSTMENT SUMMARY: After review of prior loss photos, it was noted the furnace in the attic was missing and not included in the estimate of repairs. I have revised my estimate to include the furnace in the theft 1 estimate. VERIFICATION OF DATE DAMAGE OCCURRED TO THE PROPERTY: The date of loss provided on the loss notice is 04/04/2014. It did appear that the theft occurred first, at an undetermined time. The fire loss does appear recent, as the risk has not dried out with time. Also, the fire banners are still laying in the yard. The fire department did confirm the date of the fire as 2/21/2014. I am unable to confirm the date of loss for the theft. I do not see evidence to connect the theft with the fire. The date of loss for the new damages occurred between 4/21/2014 and 5/23/2014. The date of loss for the fire occurred within your policy period. ADJUSTMENT: I inspected the damages and prepared the attached estimate of repairs. The borrower was not present at the time of my inspection. Since this is a manuscript, all risk, replacement cost policy, no depreciation has been applied to this loss.

5 DAMAGES: The damage to the risk consisted of: THEFT: EXTERIOR: Unknown person(s) have removed plumbing and disconnect, photos nd FLOOR STAIRS: Unknown person(s) have removed the handrail, photos nd FLOOR BATHROOM: Unknown person(s) have removed the towel bar and toilet paper holder, photos KITCHEN: Unknown person(s) have removed the dishwasher and light fixture, photos HALL BATHROOM: Unknown person(s) have removed the vanity, sink, medicine cabinet, towel ring, and toilet paper holder, photos MASTER BEDROOM: Unknown person(s) have removed the light fixture, photos MASTER BATHROOM: Unknown person(s) have removed the medicine cabinet, towel ring, and toilet paper holder, photos BASEMENT STAIRS: Unknown person(s) have removed the handrail, photos BASEMENT ROOM 1: Unknown person(s) have removed plumbing, photos BASEMENT ROOM 3: Unknown person(s) have removed plumbing, photos UTILITY ROOM: Unknown person(s) have removed plumbing, photos ND FLOOR LOFT: Unknown person(s) removed the furnace, photo 16. SUPPLEMENTAL THEFT NEW THEFT DAMAGES ADDL Exterior: Unknown person(s) have gutted an AC unit, photo 224.

6 FIRE: 2ND FLOOR LOFT: A fire has caused damage to ceilings, walls, framing, and flooring, photos CLOSET: A fire has caused damage to ceilings, walls, and flooring, photos ND FLOOR BEDROOM: A fire has caused damage to ceilings, walls, and flooring, photos ND FLOOR BATHROOM: A fire has caused damage to ceilings, walls, and flooring, photos ND FLOOR STAIRWAY: A fire has caused damage to ceilings, walls, and flooring, photos ENTRY: A fire has caused damage to ceilings, walls, and flooring, photos LIVING ROOM: A fire has caused damage to ceilings, walls, and flooring, photos MUD ROOM: A fire has caused damage to ceilings, walls, and flooring, photos LAUNDRY ROOM: A fire has caused damage to ceilings, walls, and flooring, photos KITCHEN: A fire has caused damage to ceilings, walls, flooring, counter tops, and cabinets, photos DINING ROOM: A fire has caused damage to ceilings, walls, and flooring, photos HALLWAY: A fire has caused damage to ceilings, walls, and flooring, photos BEDROOM 1: A fire has caused damage to ceilings, walls, and flooring, photos BEDROOM 2: A fire has caused damage to ceilings, walls, and flooring, photos HALL BATHROOM: A fire has caused damage to ceilings, walls, and flooring, photos

7 MASTER BEDROOM: A fire has caused damage to ceilings, walls, and flooring, photos MASTER BATHROOM: A fire has caused damage to ceilings, walls, and flooring, photos BASEMENT STAIRS: A fire has caused damage to ceilings, walls, and flooring, photos BASEMENT ROOM 1: A fire has caused damage to the ceiling, photos BASEMENT ROOM 2: A fire has caused damage to the ceiling, photos BASEMENT ROOM 3: A fire has caused damage to the ceiling, photos The following summarizes the loss: SETTLEMENT: PERIL TOTAL COST DEDUCT- RCV OF REPAIRS IBLE LOSS Vandalism/Theft $ 6, $2, $ 3, Theft 2 $ 2, $2, $ -0- Fire $64, $2, $62, TOTAL $73, $8, $65, If you are in agreement with my findings and coverage is afforded for this loss, I recommend settlement based on the above figures, less any prior payments. MUNICIPALITY WITHHOLDING: Municipality withholding does not apply to this loss. SALVAGE/SUBROGATION: There is little to no salvage value for the damaged materials. There is no known subrogation potential for this loss as the cause of the fire is not being investigated.

8 CAUSE AND ORIGIN: I had not previously recommended a cause and origin, as the date of loss had not been confirmed to be within the policy period. It appears the fire started upstairs. The only source of fire in the upstairs would be wiring, and I was unable to confirm when the electric was terminated. The alternate source of fire would involve human activity. I recommend a cause and origin investigation to try and determine the cause of loss, as there is no investigation by the fire department. REMARKS: Should you have any questions or need further adjustment activity on this claim, please do not hesitate to contact me. Otherwise, I will assume that this concludes our handling of this loss and I am closing my file with this report. Thank you for this assignment. Jason Lockridge

9 1 Insured: Flagstar Bank, FSB Business: (972) Property: 4940 Cline Rd Resaca, GA Home: 4940 Cline Rd Resaca, GA Claim Rep.: Business: Laurie Wilkins 5225 Crooks Rd. Troy, MI Estimator: Jason Lockridge Claim Number: X Policy Number: 41LX Type of Loss: Vandalism Date Contacted: 4/21/2014 Date of Loss: 4/4/2014 Date Received: 4/17/2014 1:35 PM Date Inspected: 4/21/2014 Date Entered: 4/22/ :22 PM Date Est. Completed: 5/13/2016 8:01 AM Price List: Estimate: GARO7X_APR14 Restoration/Service/Remodel FLAGSTAR_BANK FSB1 PLEASE NOTE: This is an estimate of recorded damages and is subject to review and final approval by the insurance carrier.

10 2 Exterior FLAGSTAR_BANK FSB1 1. Disconnect box - 30 amp - non fused 1.00EA (0.00) Refrigerant lineset - 3/8" x 3/4" tubing EA (0.00) up to 50' 3. HVAC Technician - per hour 1.00HR (0.00) To recharge AC unit freon and check system for damage. Totals: Exterior nd Floor 12' 4" 11' 8" 6' 2" 2' 9" 1' 1" 3' 11" 16' 10" 8' 3' 11" 17' 6" 8' 8" 6' 7" 2nd 12' Floor 6" 2' Loft 6" Shower 6' 1" (1) 12' 4" Closet (1) 14' 1" 7' 2" 2nd Floor Chimney Bathroom 2nd Floor Bedroom 14' 5" 11' 4" 11' 4" 4' 1" 4' 3" 2' 9" 8' 5" 8' 5" 1' Stor 4' 8" 4' 6" 2nd Floor Loft SF Walls SF Walls & Ceiling SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Height: Peaked Door 2' 6" X 6' 8" Opens into DEF_2ND_FLOO Door 2' X 6' 8" Opens into STORAGE_ROOM Window 2' 9" X 2' 9" Opens into Exterior Window 2' 9" X 2' 9" Opens into Exterior 40. Furnace - horizontal - forced air EA 1, , (0.00) 1, ,000 BTU Totals: 2nd Floor Loft , , FLAGSTAR_BANK FSB1 5/13/2016 Page: 2

11 3 3' 4" 4' 4" 4' Shower (1) 2nd Floor Bathroom Chimney 9' 6" 12' 6" 6' 7" 2' 10" 5' 11" 1' 11" 2' 3" 2' 6" 2' 9" 1' 2" 2' 11" 2' 6" 2 2nd Floor Bathroom Height: 8' SF Walls SF Walls & Ceiling 6.15 SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Window 2' 6" X 2' 6" Opens into Exterior Door 2' 6" X 6' 8" Opens into DEF_2ND_FLOO 2' 3" 2' 10" Shower (1) 1' 11" 3' Subroom: Shower (1) Height: 8' SF Walls SF Walls & Ceiling 0.66 SY Flooring 7.17 LF Ceil. Perimeter 5.90 SF Ceiling 5.90 SF Floor 7.17 LF Floor Perimeter Chimney Missing Wall 2' 10" X 8' Opens into ROOM3 95. Towel bar 2.00EA (0.00) Toilet paper holder 1.00EA (0.00) Totals: 2nd Floor Bathroom Total: 2nd Floor , , Main Level ) 3' 2" 2' 10" Hallway 10' 1" Stairway 9' 5" 6" 2' 1"10" 2" 4' 10" 2' 2" 1' 7" Stairway Height: 8' SF Walls SF Walls & Ceiling 2.96 SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Door 2' 1" X 6' 8" Opens into HALLWAY 135. Handrail - round / oval - softwood LF (0.00) wall mounted 136. Paint handrail - wall mounted 6.00LF (0.00) 5.09 FLAGSTAR_BANK FSB1 5/13/2016 Page: 3

12 4 CONTINUED - Stairway Totals: Stairway ' 4" 7' 1" Kitchen Height: 8' 5' 3" Kitchen 3' 7" 5" 5' 6" 3" 3' 8" Mud R 5' 4" Laundry 1' 8" 3' 6" 3' 8" 2' 9" SF Walls SF Walls & Ceiling SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Missing Wall - Goes to Floor 3' 8" X 6' 8" Opens into MUD_ROOM Window 1' 8" X 4' Opens into Exterior Missing Wall 12' 4 1/16" X 8' Opens into DINING_ROOM Missing Wall - Goes to Floor 3' X 6' 8" Opens into LIVING_ROOM 247. Dishwasher 1.00EA (0.00) Light fixture 1.00EA (0.00) Totals: Kitchen ' 4" Hall Bathroom 6' 4' 8" 4' 6" 2' 10" 7' 5" 7' 7" Closet (1) 2' 7" 2' 11" 5" 2' 6" 5" Clo Hall Bathroom Height: 8' SF Walls SF Walls & Ceiling 4.02 SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Door 2' 6" X 6' 8" Opens into HALLWAY FLAGSTAR_BANK FSB1 5/13/2016 Page: 4

13 5 Bathroom 2' 10" 2' 11" 2' 7" Closet (1) 2' 11" 2' 6" 2' 8" Subroom: Closet (1) Height: 8' SF Walls SF Walls & Ceiling 0.72 SY Flooring LF Ceil. Perimeter 6.46 SF Ceiling 6.46 SF Floor LF Floor Perimeter 334. Vanity 3.00LF (0.00) Vanity top - one sink - cultured 3.00LF (0.00) marble 336. Sink faucet - Bathroom 1.00EA (0.00) Plumbing fixture supply line 1.00EA (0.00) Medicine cabinet 1.00EA (0.00) Towel ring 1.00EA (0.00) Toilet paper holder 1.00EA (0.00) Totals: Hall Bathroom , , Hall Bathroom 7' 5" 12' 10" 12' 4" 7' 7" 2' 6" 2" 4" 7" 1' 5' 4" Stairw Fir Master Bedroom Master Bathro 7' 10" 2' 9" 2' 6" 3' 1" 8' 2" 2' 4" 2' 1' 7' 1' 11" 2' 1" 7' 2" 2' 6" Master Bedroom Height: 8' SF Walls SF Walls & Ceiling SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Door 2' 6" X 6' 8" Opens into HALLWAY Window 5' 4" X 4' Opens into MASTER_BATHR Door 2' 6" X 6' 8" Opens into MASTER_BATHR Door 2' 6" X 6' 8" Opens into Exterior Window 2' 6" X 4' Opens into Exterior 357. Light fixture 1.00EA (0.00) Totals: Master Bedroom FLAGSTAR_BANK FSB1 5/13/2016 Page: 5

14 6 om 1' 5' 4" Stairway 5' 2" Fire place Master Bathroom 2' 4" 2' 1' 1" 4' 10" 2' 6" 9' 8" 6' 3" 6' 7" 9' 4" 2' 2" 2' 8" 2' 10" Master Bathroom Height: 8' SF Walls SF Walls & Ceiling 6.89 SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Window 5' 4" X 4' Opens into MASTER_BEDRO Door 2' 6" X 6' 8" Opens into MASTER_BEDRO 375. Medicine cabinet 1.00EA (0.00) Towel ring 1.00EA (0.00) Toilet paper holder 1.00EA (0.00) Totals: Master Bathroom Total: Main Level , , Basement 6" 4" 2' 6" 1' 7" 1' 3" 5' 4" 5' 2" Basement Stairs 5' 8" 4' 1" Basement Stairs Height: 8' SF Walls SF Walls & Ceiling 2.36 SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Door 2' 6" X 6' 8" Opens into BASEMENT_ROO 394. Handrail - round / oval - softwood LF (0.00) wall mounted 395. Paint handrail - wall mounted 6.00LF (0.00) 5.09 Totals: Basement Stairs FLAGSTAR_BANK FSB1 5/13/2016 Page: 6

15 7 Basement Room 1 Height: 8' 18' 1" 17' 7" 2' 6" Storage Room Basement Room 2 Basement 5' Utility 2" Stairs 8' 11" Room 5' Closet 1" (1) 12' 5" 5' 6" 22' 8" 12' 7" 1' 7" 1' 18' 4" 19' Basement Room 1 6' 6" 8' 4" 8' 8" 5' 10" 11' 6" 12' 2" 12' 8" SF Walls SF Walls & Ceiling SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Door 2' 6" X 6' 8" Opens into Exterior Door 2' 6" X 6' 8" Opens into ROOM2 Door 2' 6" X 6' 8" Opens into BASEMENT_STA Door 2' 6" X 6' 8" Opens into ROOM Water supply line - copper with 20.00LF (0.00) fitting and hanger, 1" 398. Suspended ceiling tile - 2' x 4' 69.83SF (0.00) Rewire - average residence - copper 69.83SF (0.00) wiring Totals: Basement Room ' 2" 13' 8" 4' 4" 25' 9" Basement Room 3 Height: 8' 25' 1" Basement Room 3 7' 2" 7' 4" 3' 2' 6" 3' 10" 5' 4" 2' 6" 4' 3" Storage Ro 3' 6" 5' 2" 2' 2" Basement Stairs Utility Room Clo SF Walls SF Walls & Ceiling SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Door 2' 6" X 6' 8" Opens into BASEMENT_ROO Door 2' 6" X 6' 8" Opens into UTILITY_ROOM Door 2' 6" X 6' 8" Opens into STORAGE_ROOM 410. Water supply line - copper with 30.00LF (0.00) fitting and hanger, 1" 411. Suspended ceiling tile - 2' x 4' 35.72SF (0.00) Totals: Basement Room FLAGSTAR_BANK FSB1 5/13/2016 Page: 7

16 8 nt Stairs 2' 4" 2' 6" 4' 3" 2' 2" Utility Room 8' 11" 9' 3" 4' 1" 4' 3" Storage R Utility Room Height: 8' SF Walls SF Walls & Ceiling 4.07 SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Door 2' 6" X 6' 8" Opens into ROOM Water supply line - copper with 20.00LF (0.00) fitting and hanger, 1" Totals: Utility Room Total: Basement , , Line Item Totals: FLAGSTAR_BANK FSB , , , Grand Total Areas: 9, SF Walls 3, SF Ceiling 13, SF Walls and Ceiling 3, SF Floor SY Flooring 1, LF Floor Perimeter 0.00 SF Long Wall 0.00 SF Short Wall 1, LF Ceil. Perimeter 3, Floor Area 4, Total Area 9, Interior Wall Area 5, Exterior Wall Area Exterior Perimeter of Walls 0.00 Surface Area 0.00 Number of Squares 0.00 Total Perimeter Length 0.00 Total Ridge Length 0.00 Total Hip Length FLAGSTAR_BANK FSB1 5/13/2016 Page: 8

17 9 Summary for Theft Line Item Total 5, Overhead Profit Material Sales Tax Replacement Cost Value $6, Less Deductible (2,800.00) Net Claim $3, Jason Lockridge FLAGSTAR_BANK FSB1 5/13/2016 Page: 9

18 10 Recap of Taxes, Overhead and Profit Overhead (10%) Profit (10%) Material Sales Tax Storage Rental Tax Local Food Tax (3%) (7%) (7%) Line Items Total FLAGSTAR_BANK FSB1 5/13/2016 Page: 10

19 11 Recap by Category O&P Items Total % ACOUSTICAL TREATMENTS % APPLIANCES % CABINETRY % ELECTRICAL % FINISH CARPENTRY / TRIMWORK % FINISH HARDWARE % HEAT, VENT & AIR CONDITIONING 1, % LIGHT FIXTURES % MARBLE - CULTURED OR NATURAL % PLUMBING 1, % PAINTING % O&P Items Subtotal 5, % Overhead % Profit % Material Sales Tax % Total 6, % FLAGSTAR_BANK FSB1 5/13/2016 Page: 11