The document discusses the National Organization of Assistance to Homeowners (NOAH) in Northern California and its partnership with the Twin Builders Foundation Corporation (TBFC) to help homeowners facing foreclosure. It describes TBFC's financial wellness program and "Full Circle Package" that provides debt management, credit education, and other services. It also details TBFC's HOPE software system for financial wellness and mentions class action lawsuits filed against lenders for inaccurate loan documents and foreclosure violations. Homeowners are encouraged to become members of TBFC for $5,000 to receive legal assistance and stay in their homes while lawsuits proceed.

1. National Organization of Assistance to Homeowners Northern California - NOAH-TBFC July 2010

3. THE MORTGAGE IS HIGHER THAN THE VALUE OF THE HOUSE

5. ALREADY RECEIVED A NOTICE OF TRUSTEE SALE (NOTS)

7. HELP YOU STAY IN YOUR HOME

8. THERE ARE MANY LEGAL REMEDIES TO GET YOU OUT OF FORECLOSUREWE ARE HERE TO HELP YOU HELP YOURSELVES. All rights reserved ● Twins Builders Foundation Corporation ● July 2010

9. Are you losing sleep over your home? Your home is your prime possession. Nothing can compare to the feeling of security that having a home can bring. And the threat of losing it can bring nightmares and a feeling of uncertainty in the family. You want to be in your home. Having a home preserves the family. Without a home, the family disintegrates and finds the kids on the streets. Fortunately, there’s one organization that is committed to making people stay in their homes. TBFC or Twin Builders Foundation Corporation, a financial wellness organization leads the way to your peace of mind and financial stability. It boasts of a unique program that puts you in your proper perspective financially while working with you to save your home. It might be the only company in the country that has a Financial Wellness Program that provides a “Full Circle Package” for families and individuals. The package includes Responsible Debt Management, Credit Education, Career Optimization, Financial Services and Retirement Planning. The NOAH NC – National Organization of Assistance to Homeowners. Northern California Is your gateway to the solutions offered by TBFC to all its members. All rights reserved ● TWINS BUILDERS FOUNDATION CORPORATION ● 2010

11. What is the H.O.P.E. System? HOPE is an acronym for Helping Ordinary People Excel. The HOPE System will help you excel in regards to your finances. It is an online financial wellness software application that will help you establish, track and maintain the 7 critical areas of financial wellness. The 7 areas are: 1. Dreams, Values and Goals 2. Getting Organized 3. Debt Elimination4. Power Spending5. Credit Grooming6. Estate Plan7. Wealth Building Results The HOPE System acts as a road map to your financial success. Confidence that you are on the right track is critical to financial wellness and overall peace of mind. HOPE software helps you to organize and adjust your financial plan in 7 critical areas of financial wellness. The result of living financially well is WEALTH. The Secret Formula of Credit Grooming: Credit report bureaus don’t want you to know the secret formula they use to determine your FICO Score. However, you don’t need to know the formula to improve your score. You only need to know what data is used to determine the score and set out to improve the data that is being reported. Our proven do-it-yourself system has been used by thousands to improve their credit score and save money. All rights reserved ● TWINS BUILDERS FOUNDATION CORPORATION ● 2010

14. State of California: filed in Southern District in January 19, 2010

15. State of California: filed in the Eastern District in February 12, 2010

16. State of California: filed in Northern district in March 5, 2010

18. Aggregation increases potential recoveries into something worth the cost.

21. Fill up the forms completely

22. An Intake Coordinator shall be assigned to help you thru the process

24. Payable in a single payment or three payments within a 60-day period

25. Payable only by Cashiers Check or Money Order

26. There may be additional fees for filing certain legal forms as needed. These fees are payable either to the Superior Court, or to the Federal District Court. These fees are unavoidable additional expenses: but there are additional attorney’s fees. All rights reserved ● TWINS BUILDERS FOUNDATION CORPORATION ● 2010

29. The Trial Date will be at the discretion of the Federal Judge, but will probably be 18 months, or 24 months, or even longer into the future. While the Class Action Lawsuit is being heard in the Federal Court, you may stay in your home without being bothered by the lenders/banks, but you must continue to pay your hazard insurance and your real estate taxes. Your personal Intake Coordinator will keep you informed of the developments. All rights reserved ● TWINS BUILDERS FOUNDATION CORPORATION ● 2010

30. The question has been asked: Will there be another Class Action Lawsuit similar to this one, after this current Class Action Lawsuit has been finished? The answer: Nobody really knows what whether there will be another Class Action Lawsuit. The best response should be that, if you are facing foreclosure in the near future, or is already in the foreclosure process, please talk to one of our Intake Coordinators who will help you. As part of your due diligence, please visit our website: http://www.noah-nocal.org ; http://www.builder4u.org All rights reserved ● TWINS BUILDERS FOUNDATION CORPORATION ● 2010

31. NORTH TO SAN FRANCISCO CONTACT US: Sally Colmenares-Pratt Head Intake Coordinator NOAH NORTHERN CALIFORNIA Twins Builders foundation Corp. Gateway Place Suite 6049 San Jose, California 95110-3709 Telephones: San Jose Office: 408-573-7431 408-573-7432 Tracy Office: 209-830-8798 Efax : 209-879-0500 SOUTH TO GILROY All rights reserved ● TWINS BUILDERS FOUNDATION CORPORATION ● 2010