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HomeMy WebLinkAboutWeststar Loan Servicing, Inc - 2006-06-26 .v • , CONTRACTS SUBMITTAL TO ,a CITY CLERK'S OFFICE To JOAN FLYNN, City Clerk F c „ • Y _ .' _ .<- ,, ,- • _ rya .,,' , Name of Contractor. MESTSTAR LOAN SERVICING, ING. Purpose:of Contract: For`Exampie:Audit Services or Water Quality Testing Huntington Lake C Huntington central Park `Provide loan servicing for'the City ofHuntington Beach's Rehabilitation loan Program ,r Amount-of Contract: ' Not to exceed Ten Thousand, Dollars ($10,000.00) F -Copy,of'contract distributed to: The original insurance certificate/waiver distributed, to Risk Management ��C] Initiating Dept: , ClfyTreasurer ORIGINAL bonds sent to Treasurer. a , xssya , Date: �/ Z(o 0 • , Name/ ansion City,pttorney's_Office , i , < , . w , , F . c. a , , , I PROFESSIONAL SERVICES CONTRACT BETWEEN ' THE CITY OF HUNTINGTON BEACH AND WESTSTAR LOAN SERVICING, INC. FOR PROVIDING LOAN'SERVICING FOR THE CITY'OF HUNTINGTON BEACH'S `REHABILITATION LOAN,PROGRAM THIS AGREEMENT ("Agreement") is rnade and entered into by and between the': City offluntington.Beach, a municipal corporation of the State of California, hereinafter referred to as "CITY; and WESTSTAR LOAN SERVICING; INC., a. -California hereinafter referred to as "CONSULTANT." WHEREAS, CITY desires to ,engage the services. of a consultant to provide loan 'servicing for the CITY s Rehabilitation Loan Program; and : Pursuant to documentati n on file in the office of the City Clerk the .r vi i the. Huntington Beach Municipal Code; Chapter �_03 relating to T procurement .of professional service contracts have been complied with,and 'CONSULTANT has been selected to erform these services ` NOW,.THEREFORE, it is agreed by CITY and CONSULTANT as follows: I. 'SCOPE�OF SERVICES- . 1 r Except as otherwise* provided by:this Agreement, CONSULTANT shall rovide all services as described in,-its its Proposal (including Exhibits "A" through "L" attached thereto) dated August �2, 2005. The entirety of CONS,ULTANT's'Au ust 12 g y g 2005 Proposal is attached hereto-as Exhibit A and is incorporated into this Agreement by thin reference. These services shall sometimes hereinafter be referred- to as the . ".PROJECT." CITY shall assign a staff coordinator to work directly with CONSULTANT in the performance of this Agreement. CONSULTANT hereby designates Christie,Edhon,' :. 06agree/weststar I j, .a shall represent:CONSULTANT and be CONSULTANT'S primary contact person' with CITY: 2 ADDITIONAL SERVICES OF CONSULTANT In addition to all of the services of CONSULTANT as set forth ,m Fits, ,. _ August,12 2005P . . . g_ , , Proposal, CONSULTANT shall also:. Establish the first day°of a given month as the payment date of all new loans`set up by it during its performance of this Agreement; and B." Make daily deposits of all loan proceeds paid-to if by borrowers, and mail dailyremittance'information with principal and interest breakdowns,'to to CITY's City,': " . p P � Y Treasurer, P.,O. Box 711; Huntington Beach, CA 92648 3. TERM,_TIME OR PERFORMANCE ,` Unless. 'sooner terminated as rovided for' herein the initial' term of this _;Agreement shall'be for the period commencing on March 1, 2006 and ending on'+February 28,2009: w . 4. COMPENSATION In consider'atioiiof the performance of the services described herein, CITY agrees jo pay CONSULTANT a fee not to exceed" Ten Thousand Dollars ($10 000.00) ursuant to the p payment schedule attached hereto as,Exhibit B and-incorporated herein 4b mutually agreed upon change to the. amount this-:.reference. Any y g p g to'' be ,paid . for ` CONSULTANT.s,,services shall take the form of a written modification of this Agreement As stated in CONSULTANT's Proposal, CONSULTANT's fee for setting up"a new loan shall be'Forty Dollars ($40.00) per loan. However, this new,loan set up fee , shall be waived for any of thos existing loans previously administered for`the CITY �by 2 . 06agre&weststar o CONSULTANT. A list of these formally administered loans, to which this waiver is applicable, :is attached to this Agreement as Exhibit C and 'incorporated- herein by reference. As further 'stated in CONSULTANT's Proposal, CON:SULTANT's monthly "? fee for reporting and the maintenance of records is Nine Dollars ($9,00) per -loan, per month''-And as further stated in C ONSULTANT's Proposal, CONSULTANT'S fee for the p _ _ collection of delinquent accounts is Five Dollars ($5.00) per.delin uent notice sent. q 5: PRIORITIES :In the event there are any conflicts or inconsistencies between this ' Agreement, the CITY's Request for Proposal ("RFP") dated Auguste 3, 2005� or the 'CONSULTANT's Proposal,, the following order of precedence -'shall govern. (1) Agreement,'g2 .the CONSULT T's Proposal, and 3 the CITY's RFP. � ) p O 6 EXTRA WORK In the event CITY requires additional'services not included in Exhibit-'.'A" „ or .changes in the scope of services described in' Exhibit A, CONSULTANT will . undertake such work only after receiving written authorization from CITY. Additional compensation for such extra work shall be allowed only if the prior written approval.of :: �• CITY is obtained.. 7.. METHOD OF PAYMENT A.' CONSULTANT shall be entitled to monthly a ments�toward the o � YpY . total amount of compensation to be paid to it under Paragraph 4 of this Agreement. ." a B:- Delivery of work product: A copy of every memorandum letter, report, calculation and other . documentation prepared, by CONSULTANT shall.-be , 06agree/weststar 3 submitted to CITY to demonstrate progress toward completion of tasks. In the event CITY rejects or has comments on any such product, CITY shall,identify specific,requirements'for satisfactory completion. Any such product which has not been formally accepted.,or. . ^ R G : rejected b CITY shall be deemed' accepted. J. Y C.' CONSULTANT shall submit to CITY an invoice for each progress N payment!due. 'Such invoice shall 3 1) Reference.this Agreement; G 2) Describe the services performed; 3)• Show the total amount of the payment due; 4).. Include a certification by a principal member of C NSULTANT's firm that the work has been erformed-in p accordance with the provisions of this Agreement; and 5) For all payments include an estimate of the:percentage of, work completed. Upon submissicl of any such invoice, if CITY is 'satisfied .that :•" CONSULTANT is making satisfactory progress toward completion of tasks in accordance. '? r with thisw Agreement; 'CITY shall promptly approve the invoice, in`which event payment' shall be made within thirty (30) days of receipt of the invoice by-CITY. Such approval shall not;,be unreasonably withheld. If CITY does not approve an invoice CITY shall notify, ,CONSULTANT in writing of the reasons for non-approval within seven (7) calendar'(days of receipt of the invoice; and CONSULTANT's performance shall be suspended until the parties agree that b performance er past CONSULTANT is in, or has p p Y been brought into compliance, or until this Agreement is terminated as provided herein. ` ' 06agree/weststar .. E k D.. '` Any billings for extra work or additional services authorized by CITY shall be ,invoiced separately to CITY. Y. . Such invoice shall- contain all of the information required above, and in addition shall list the hours expended and hourly rate a charged for such time. Such invoices shall be approved by CITY if the work performed is . in accordance with the extra work or additional services requested,and if CITY is satisfied. , thai the-statement of hours worked and costs incurred is accurate. Such 'a'approval shall not ° pp _ . be unreasonably withheld: Any dispute between the parties concerning payment of such A an invoice`,shall be treated as separate and apart from the ongoing performance of the remainder of this Agreement. ' 8 DISPOSITION OF PLANS, ESTIMATES AND OTHER DOCUMENTS „ t CONSULTANT agrees that all materials prepared hereunder, including all. on coal drawings, designs, .re orts both field and office notices calculations ma g g � g � p . - � � psi memoranda letters and other documents, shall be turned over to CITY upon termination of this Agreement or upon PROJECT completion. whichever shall occur first. In the event -thisAgreernent is terminated said materials may be used by CITY in the completion of the' PROJECT or as it otherwise seen fit. Title 'to said materials shall pass to CFTY upon payment'of fees determined to be earned b CONSULTANT to the- .point of termination'or completion of the PROJECT,-Whichever is applicable. CONSULTANT shall be e'ntitled'-to retain copies of all data prepared thereunder. ` 0 91 HOLD HARMLESS CONSULTANT hall protect,.defend, indemnify, save and 'hold harmless CITY;.its officers, officials, employees, and agents from and against any.and all liability; loss, expenses, costs and fees (including, without limitation, costs and fees of litigation'of . 06agree/weststar 5 every nature } arising out of or in.connection with CONSULTANT's performance of this Agreement or its failure to comply with any of its obligations contained in this Agreement by CONSULTANT, its officers, agents or employees except such loss or damage which was caused by the sole negligence or willful misconduct of CITY. CITY shall be reimbursed by CONSULTANT for all costs and attorney's fees incurred by CITY in enforcing this obligation. WORKERS' COMPENSATION AND EMPLOYER'S `'LIABILITY ' INSURANCE , Pursuant to California Labor Code Section 1861, CONTRACTOR es awareness .of .Section 3700 et se . of this. Code which 'requires ever g q 9 Y acknowledges employer to be :insured. against liability for workers' compensation; CONSULTANT. t covenants that it will comply with such provisions prior to commencing.performance of the work hereunder• and shall indemnify, defend and hold harmless CITY from and against all claims, demands, payments,suit, actions proceedings, and judgment of every nature and. 'description, including attorney's fees and costs presented, brought or recovered against the ;CITY, for or on.account of any liability under,any of said acts which may be incurred by .reason of any work to be, erformled by,CONSULTANT under this Agreement.. . CONSULTANT 'shall maintain. workers' compensation insurance in- an amount of not, less'than One Hundred Thousand Dollars ($100,000) bodily injury by accident;',each occurrence, One Hundred Thousand Dollars $100 000 bodily injury b. disease, each employee, Two Hundred Fifty Thousand Dollars ($250,000) bodily injury by disease, policy.limit. .06agree%weststar 6 CONSULTANT shall require all subcontractors to provide such workers' - compensation insurance for all of the subcontractors' employees.- CONSULTANT shall p. � furnish to CITY a certificate of waiver of subrogation under the terms of the workers' compensation insurance and CONSULTANT shall similarly require all subcontractors,to, waive subrogation. 11`. GENERAL LIABILITY INSURANCE In addition to ,the workers' compensation insurance and CONSULTANT's covenant to indemnify CITY; CONSULTANT shall obtain and furnish to CITY; a policy of general public liability ins, rance, including motor vehicle coverage covering the .. PROJECT. This policy shall,� y indemnif CONSULTANT- 'its officers',. agents' and _ • • - - . employee's while acting within the scope of their duties, against any and all claims arising,-- out-or.in connection with the PROJECT, and shall provide coverage in not, less than the followingamount: combined siin le limit bodily injury and property damage, including � g Y J Y p p Y g � products/completed operations.liability and blanket contractual' liability,of$1,000,000 per W " occurrence.., If coverage is provided under a form which includes a -designated general aggregate,re ate,�limit� the aggregate g limit must be no less than $1 000 000 for this PROJECT. .. This policy shall name CITY, its. agents, its officers, employees, and volunteers as Additional Insureds, and shall specifically provide that any other insurance coverage which may, _ be applicable to the PROJECT shall be- deemed excess coverage and that CONSULTANT's insurance shall be primary: Under no circumstances shall said above-mentioned insurance contain a self- insured retention, or a "deductible" or any other similar form of limitation on the required coverage. ,e:' &agree/weststar 7 , '12. PROFESSIONAL'LIABILITY INSURANCE CONSULTANT shall obtain and furnish to CITY a professional liability insurance policy covering the work performed by it hereunder. Said policy.shall provide' coverage for CONSULTANT's professional liability in an amount not less than $1,000,000 per occurrence and ir'the aggregate. A claims-made policy shall be acceptable if the policy further provides that ` .-.. p y A. The policy retroactive date coincides with or precedes the initiation ,, of the scope of work (including subsequent policies purchased,as renewals or replacements): '13 CONSULTANT shall notify CITY . of the reporting of any circumstances or incidents that might give rise to future claims. CONSULTANT will make every effort to maintain similar insurance during I the required extended period of coverage following project completion, including .the requirement of adding all additional` insureds. , If insurance is terminated for an reason, CONSULTANT yCO SU agrees.to ,purchase an extended reporting provision of at least two"(2) years to report claims arising from work performed in,connection with this Agreement. 13: CERTIFICATE OF INSURANCE; ADDITIONAL INSURED ENDORSEMENTS Prior to commencing performance of the work hereunder, CONSULTANT shall furnish to CITY certificates of insurance subject to approval of the CityAttorney evidencing the foregoing insurance coverages as required by this. Agreement; the certificates shall: . • 06ajree/weststar g i A. provide the name and policy number of each carrier and policy; B. state'that the policy is currently:in force; and C. promise to provide that such policies will not be canceled'.or modified without thirtyI s prior written notice of CITY. (30�days' p - , CONSULTANT shall maintain the foregoing insurance coverages in .force until the work under this Agreement is full completed and accepted b CITY. g � Y .p p Y , The requirement for carrying the foregoing insurance coverages shall, not derogate from the CONSULTANT s defense, hold harmless and indemnification obligations as set forth under,thi fs Agreement.,, CITY or its representative resentative shall at all times, p , have -the right to- demand the original or a copy of all the policies of insurance. CONSULTANT.shall pay, in a prompt and timely manner, the premiums on all insurance hereinabove required. CONSULTANT- ]shall provide a separate copy of the additional -insured endorsement to each of CONSULTANT's insurance policies, naming CITY, its officers,- elected and appointed officials" pp employees, agents and volunteers as Additional' Insureds, to the City Attorney for approval prior to any payment hereunder. ' 14. INDEPENDENT CONTRACTOR CONSULTANT is, and shall be, acting at all times in the performance of this Agreement as an independent contractor herein and not as an employee of CITY. . ' CONSULTANT shall secure at its own cost and expense, and be responsible for any and all payment of all taxes, social security, state disability insurance compensation, Y Y unemployment compensation and other payroll deductions for CONSULTANT and its 06agree/weststar 9 officers, .agents and employees and all business licenses, if any, in connection with the - •services to be performed hereunder. 15. TERMINATION F AGREEMENT` All work required hereunder shall be performed in a good and workmanlike .manner. Either party may terminate this Agreement, at any time with or without cause, during either the initial term of this Agreement or any extension thereof, and whether or.. not PROJECT is full complete, upon sixty 60 days prior written notice` to the other • ,.. Y p �, p Y � ) Y ..party. In the event of termination, regardless of which party terminates this Agreement, all finished and unfinished docum is exhibits report, and evidence shall at the option of - � p � � ` CITY, become its property and shall be promptly delivered to it by CONSULTANT: _. 16. ASSIGNMENT AND DELEGATION - This Agreement is a personal service contract and the supervisory work hereunder shall not be delegated by CONSULTANT to any other person or entity without the prior express written consent of CITY: "17. ° COPYRIGHTS/PATENTS CITY shall own11 ri hts to an patent or co ri "ht on any work item or. g Y p pY g material produced as a result of this Agreement. . o. . 18. CITY EMPLOYEES AND OFFICIALS CONSULTANT . s hall employ no CITY official nor any regular CITY employee in the work performed pursuant to this Agreement. No officer or employee of CITY shall have an financial interest in this y Agreement in violation of the applicable , provisions of the California Government Code. ` 1 0 06aaree/weststar 19. NOTICES Any notice or special instructions required to be given,in writing under this Agreement' shall be given either by personal delivery to CONSULTANT's agent (as 'designated in Section 1"hereinabove) or to CITY's Director of Economic Development as p .. the situation shall warrant, or by enclosing the same in a sealed envelope, postage prepaid, and depositing the same in the United States Postal Service, addressed as follows: TO CITY: TO CONSULTANT: Director of Economic Development Christie Eurton, Manager City of Huntington Beach WestStar Loan Servicing, Inc. 2000 Main Street 2340 Paseo Del Prado, Suite D-104 `Huntington Beach, CA 92648 Las Vegas,Nevada 89126-9503 and City Treasurer` City of.Huntington Beach 2000 Main Street Huntington Beach, CA 92648° 20. MODIFICATION No waiver or modification of any language in this Agreement shall be valid , unless in writing and duly executed by both parties. ,2 L SECTION HEADINGS 'The titles captions, section paragraph, subject headings, and descriptive � > p g p � J g � ° phrases at the beginning of the various sections in this Agreement are merely descriptive and are included solely for convenience of reference only and are not representative 'of ., Y Y p matters included or excluded from such provisions, and,do not interpret, define,.limit or describe, or,construe the intent �f the arties or affect the construction or interpretation of p tp any provision of this Agreement. 06agree/weststar 1 1 f 22. INTERPRETATION OF THIS AGREEMENT { The language of all parts of this Agreement shall in all cases be construed as a whole, according to its fair meaning, and not strictly for or against any of the parties. I If any provision of this Agreement is held by an arbitrator or court of competent jurisdiction to be unenforceable, void, illegal or invalid or affect the remaining covenants and provisions of this Agreement. No covenant or provision shall be deemed dependent i upon any other unless so expressly provided here. As used in this Agreement, the masculine or neuter gender and:singular or plural number shall be deemed to include the I other whenever the context so indicates or requires. Nothing contained herein shall be construed so as to require the commission of any act contrary to law, and wherever there is any conflict between any provision contained herein and any present or future statute, law, r ordinance or regulation contrary to which the parties have no right to contract, then the latter shall prevail, and the provision of this Agreement which is hereby affected shall be curtailed and limited only to the extent necessary to bring it within the requirements of the law. 23. DUPLICATE ORIGINAL j The original of this Agreement and one or more copies hereto have been i prepared and signed in counterparts as duplicate originals, each of which so executed shall, irrespective of the date of its execution and delivery, be deemed an original. Each of the parties hereto shall retain an originally signed copy hereof. Each duplicate original shall be deemed an original instrument as against any party who has signed it. i 06agreehveststar 12 i f 24. IMMIGRATION . 1 CONSULTANT shall be responsible for full compliance with the immigration and naturalization laws of the United States and shall, in particular, comply with the provisions of the United States Code regarding employment verification. 25. LEGAL SERVICES SUBCONTRACTING PROHIBITED CONSULTANT and CITY agree that CITY is not liable for payment of any subcontractor work involving legal services, and that such legal services are expressly outside the scope of services contemplated hereunder. CONSULTANT understands that pursuant to Huntington Beach City Charier Section 309, the City Attorney is the exclusive legal counsel for CITY; and CITY shall not be liable for payment of any legal services expenses incurred by CONSULTANT. 26. ATTORNEY'S FEES a i In the event suit is brought by either party to enforce the terms and I provisions of this Agreement onto secure the performance hereof, each party shall bear its own attorney's fees. 27. FIDELITY BOND Prior to undertaking performance under this Agreement, CONSULTANT i I shall furnish proof to CITY, for approval by the City Attorney, that it has obtained a fidelity bond covering any loss or damage caused by the dishonest or unlawful acts or acts of any of its employees who perform services to CITY under this Agreement. - � I CONSULTANT shall maintain said bond in force and effect during the initial term of this Agreement. The fidelity bond shall be recalculated upon any extension of this Agreement. I j ; 06aoreehveststar I I3 i 28. GOVERNING LAW This Agreement shall be'governed and construed in accordance with the laws of the State of California. 29... ENTIRETY ' This . Agreement+ contains the entire agreement between the "parties respecting the subject matter of this Agreement and supersede all prior understandings and agreements whether oral or in writing. IN WITNESS WHEREOF theartie, parties hereto have caused this Agreement,to be executed by and through their authorized officers on WESTSTAR LOAN SERVICING, INC. CITY OF HUNTINGTON BEACH a municipal corporation of the State of California By: print name Direct of Econom' Development ITS: (circle one)Chairman/President ice President (Pursuant To HBMC§3.03.100) AND . gz� reasurer , APPROVED AS TO FORM: : print name ITS: (circle one)'Secretarv/Chief.Financial Officer sst. j/ Secretary—Treasurer. City.Attorney `�� 1 `/ , REVIEWS AND APPROV ty dministrator (on1 or contract 50,000,00 and over) 06aaree/weststar 14 z t . . j , l f i . EXHIBIT "A„ STATEMENT OF WORK: '(Narrative of work to be performed) See attached description 'of services to be performed upon request (as also contained in original proposal submitted by Weststar Loan Servicing, Inc. dated August 12;2005. B. CONSULTANT'S DUTIES'AND RESPONSIBILITIES: 1. See attached, as referenced above. 2 C. CITY'S DUTIES AND RESPONSIBILITIES: x 1. See attached, as referenced above. r ' 2. D. WORK PROGRAM/PROJECT SCHEDULE: The Huntington Beach Rehabilitation Loan Program is an ongoing.program. , I , 4 ' i r imp/contracts group/exA/10/4/O5 I _ Iw bits A Premier Loan Servicing Com�ny _ - '' . R F. d CC L gust 10;.2005 _ _ , City of Huntington Beach Attn: Terri King, Economic, evelopment 2000=Main Street Huntingtoii'Beach CA^92648--_ v Reference = Br'd'for Rehabilitation an Servicing _ 4. Dear;Tem: Enclosed"please find our Response to the City of Huntington Beach-.`:.`Request for Propos 1" for the'above referenced loan servicing from Weststar Loan Servicing, Inc �4 Also e closed is Proof of Insurance as requested in Appendix A of your.Request for.' ,ropos 1 r X ;As.the office manager;°I.will be the primary contact with regard-to your loan servicing 'portfolio I;have over I-7 years of managerial experience in theaoan.servicing�industry. ti } Frorri 19Wuntil F994 I was the Vice President/Office�Maria er:for FNRS Financial g-, _ Corporation: In 1994 the,FNRSservicmg portfolio was.sold to;Weststar Loan Servicing,. Inc and Weststar retained me in the same capacity: -Over the years Weststar-has participated in many audits-by the:state agencies that"goveM' - ° their activities: When we were'located in Pasadena, California we were randomly- T audited.by.the California Department;of Real Estate. "In Nevada our industry is monitored by the Nevada`State Division`ofMortgage Lending and_were are randorril l audited for compliance. ,e a - If you have any questions or need.additional information, Lcan be contacted at 702-252-: � :._. - 0439,°extension 300 .7, My fax number isvr702-252- 0740.. .' Sincerely, .,.:. ' ristie Eurton a Manager F , a ir ':%ce _ s ' , 2340 Paseo Del Prado:/-Suite.D-104-/P.O.Box 29503/Las Vegas,Nib 89126-9503/-702-252-0439/Fax 702.252=0740/: w c-es-ttoan;ociin t West •Star A Premier Loan ; Servicing Company ' v. - 1. •.- :. —i a - -. City of Huntington Beach r , Rehabilitation Loan Program m - tt M_ F - , i _4 t - n n: Response'to Request�for Proposal 4� , , r ' .. . E : August 12, 2005 P Las Ve as; NV . 2340 Paso Del Prado/Suite-D-104/P.O.Box 29503/Las Vegas,NV 89126-9503/702-252-0439/Fax 702,252'0740/www.westloan.corn ` CORPORATE OVERVIEW Weststar Loan Servicing, Inc., a subsidiary of Weststar Mortgage Corporation;based in Albuquerque,New Mexico, (collectively"Weststaf and"the Company") functions as a•loan servicer,for city and county redevelopment and rehabilitation agencies, seller carry-back notes, resort properties, land subdivisions, as well a collection agent for monthly rents-on rental " properties. The Company contracts with municipalities, financial institutions,real estate developers and..title companies'to!perform individual loan servicing functions on their consumer and mortgage loan portfolios.,.Our scope of services includes: .. Loan Servicing Trust Fund Accounting and Disbursements `Th6'breath of experience and services we provide is due to the fact we are not a single industry loan.servicer. • During'the past 22 years, Weststar and affiliates have gained considerable depth of experience in servicing consumer loan products. The Company has specialized in this arena and is continuing- -to expand,based on industry recognized skills in providing specialized reporting and collection programs. We currently support clients such as City of Long Beach, City of Huntington Beach, _,City of Inglewood, City of Yakima,!City of Detroit, U.S. Bancorp, Norwest Bank, Stewart Title, Fidelity National Title and other NYSE companies. Our full service approach provides the necessary range of supplemental activities from collection efforts through.to foreclosure; providing our clients the scope of services crucial to maintaining servicing value and protecting the underlying asset. Our,experience with multiple loan types augments our broad capabilities with the collection of loans. The Company is currently supporting approximately 100,000 loans. The loans supported, are equally split between loans serviced by the Company for others and loans serviced by major institutions.utilizing the Weststar technology in a°service bureau environment. , r COMMUNITV-DEVELOPMENT and REDEVELOPMENT AGENCIES .The primary,objective of Title I of the Housing and Community Development Act of 1974, as ainended; is the development of viable urban communities by providing decent housing, a suitable living environment, and expanding economic'opportunities for persons of low and •. ♦, moderates. income. • . ` Many'local a encies,'in keeping with national objectives have also devel oped commercial and economic development programs.. These programs are, in many cases, dedicated to the , rehabilitation of:commercial or ind�strial space, or.for facade improvement.. In California', particularly, seismic retrofitting is of primary concern to many county governments. Weststar is developing a.specialty in assisting city and county redevelopment agencies account and manage these assets. Most agencies simply do nothave the volume of loans necessary.to . fora . , invest in the appropriate technologyto assist them in adequately tracking and collecting-on the loans,which have been made. -In its service to government agencies, Weststar is committed to meeting the specialized needs of our clients. Aided by a staff'of dedicated professionals, our-services are'structured on the needs of our clients: We bring to you a significant amount of private sector knowledge and an understanding of public sector purpose. Weststar has knowledge in both direct loan servicing and funds disbursement. Funds are held in trust and disbursed without delay;daily,weekly or semi-monthly upon proper authorization Weststar,is noted for dependable, efficient service delivery. Our professional staff offers you a broad ran e of disciplines including{business administration finance and loan servicing. We., g p g t g. try to provide innovative ideas and approaches for services,which are continually passed on to our. client base regardless of industry. { I Y . Summary of the benefits Weststar provides to Cityand County Redevelopment Agencies ♦ 'LONGEVITY--,,We have a long term proven track record of providing loan portfolio management and other financial and administrative services to government agencies, private investors and land developers. Long term stability is an important factor when dealing with extended term notes ♦ FINANCIAL STABILITY -- Our g strop audited financial . condition, attested to by Arthur , Andersen LLP,provides you the assurance the company can fulfill its contractual term. A _broad client base means financial independence, i.e., the company is not dependent on any - one client to.stay in business. / { ♦ DIVERSIFICATION We offer a wide variety of financial and administrative services. ..Our:company can meet potential client needs such as: loan processing, underwriting, document preparation, construction funds disbursement, and several other,'specialized a services, all designed to meet your program requirements. :,FLEXIBLE REPORTING-- We have developed a series of reports which track each funding source utilized by the client and then roll-up the accounts into a single report providing administrators,with a quick clear picture of their portfolios.- In addition, if a borrower has a loan,,which was funded by multiple sources, Weststar tracks and reports on each, fractionalized portion of the loan by funding source. f LOAN SERVICING AND PORTFOLIO MANAGEMENT . The ongoing management of the portfolio is critical to ensure the repayment of the loans and having these funds available for continual lending to new borrowers. Some of our typical services:include: ♦ . Payment processing , Coupon production. . �. Telephone customer service = Delinquency management Specialized management reporting services,by funding source Annual'production of 1098's for borrowers, -=including an annual history of payments received. Payment'Processing All payments received are posted to the account on the day received,except for.accounts, which are in foreclosure. Funds are available for disbursement within 24 hours after receipt providing. a check does not get returned due to insufficient funds. Coupon Production Coupons are produced in-house the same day a request for coupons,is received. Annually,a coupon booklet is produced and sent to the,borrowers. Should the borrower misplace their coupon booklet,replacement coupons will be immediately produced and sent to the borrower. Monthly, billing statements can be generated based on the needs of individual clients. Telephone Customer Service 4. Customer service representatives are available during normal business hours,to answer any loan- related,questions from either the borrower or representatives,of the client. Anationwide 800#is available.so as to minimize the expense to the borrower and client., Delinquency Management Weststar•provdesthe client the ability to monitor and control the delinquencies within their portfolio: We are able to design a delinquency notice program to fit the specific needs of the client. Delinquency'notices are typically sent at_the end of the grace period specified in the promissory note or at 15 30 and 60 days after the payment is due. The frequency of notices sent, however, is based on our.client's needs. In addition,Weststar will automatically assess any late fees incurred,based on the-late provisions stated in the promissory.note, if payment is not received within the grace period. If late fees incurred are not included in the payment received from,the borrower, we will then"accrue" the late fees until paid. In addition, Weststar provides the client with a delinquency,report each month in order to monitor the portfolios delinquency rates. Specialized Management Reporting Monthly-reports are provided to manage the loan portfolio. Reports include: R. A Contract Transaction Report for the total portfolio, which displays the basic loan status, and payment activity., A Delinquency Report based on the minimum days late requested by the agency (i.e., 15,3.0 or 60 days delinquent), ■ New Loans Setup; :Paid Off Loans, Contract Transaction Report by Funding-Source (same as the normal contract transaction " report, except it.only reports`loans by funding pool). Specialized reports can be.created'at the client's request based on their needs. All Ireports can be 1 produced on demand, and faxed or mailed to the client. In addition, basic portfolio information and reports and delinquency information and reports may be retrieved by our clients via our Internet website—www.westloan.com. `Annual-Production of IRS Reporting Documents Each January, Weststar produces a 1098.for every borrower;providing them with the interest, which was paid on the loan. The form utilized by Weststar also provides the borrower a history of all payments processed by Weststar for the pervious year: This allows the borrower to compare.theirr records with the,payments received by Weststar: -TRUST FUND ACCOUNTING AND DISBURSEMENTS All client funds received by Weststar whether payments from borrowers"or funds advanced,by. ~ the client'in anticipation of loan funding are held in"designated trust accounts. Each year, our, auditors,Grant Thornton,review and report on the trust funds in accordance with,our licensing requirements:. Weststar works with its clients with respect to their requirements for remitting funds to the client from loan'payments received`by Weststar: We are able to disburse funds in a variety of means depending on the client's needs. Funds can be disbursed daily, weekly,'semi-monthly or monthly, via direct deposit into client bank accounts utilizing ACH or check disbursement. In addition, at month end, Weststar provides the Agency with a report that summarizes all the cash inflows and outflows for the client. ,' SERVICES TO BE PROVIDED For the City of Huntington Beach ' The following is a description of the services Weststar will provide to the City of Huntington Beach("City") and the fees_to be charged for the service. . NEW LOAN SETUP. Weststar will setup a new loan account for each new loan submitted to the Company within 24. hours,provided the information required to be supplied by the City is complete. A setup form will be provided to the City for the required information;an example of such form is supplied in the EXHIBIT section of this Proposal. When a loan is setup by the Company, a welcome letter is sent notifying the borrower that Weststar will be servicing the loan on behalf of the City, the letter will provide their with their loan number, and our customer service 800#. In addition, they will receive payment coupons for the remainder of the year. The coupons will provide an amount which is required to be paid each month-in accordance,with the terms and conditions of their note, including principal and interest; and will also show the amount due if the account is received subsequent to the last day of the z . grace period. The fee for this service is: $40.00 per new.loan setup by Weststar. LOAN SER VICING In accordance with generally acceptable loan servicing practice,the Company will comply with -all-relevant'and applicable requirements of any State or Federal laws, rules or regulations respecting or governing consumer credit and truth-in-lending and will provide the following services; PAYMENT PROCESSING : .Weststar will deposit all funds that are received into a client tru ' st account-that is a segregated account from Weststar's corporate funds. This client trust account is a non-interest bearing account,based on the California Department of Real Estate regulations, which govern the loan servicing industry in California. ➢ Weststar will assess a borrower for late fees in accordance with the.terms and conditions of -their respective note-. Such late fee will be assessed at the end of the specified grace period if Weststar has not received the payment. ➢ Weststar will contact the borrower on a periodic basis to secure any information that may be, required to be supplied in accordance with the loan agreement. Each disbursement to the City will be segregated according to the funding source and will reconcile with the month end reports provided by the Company. These monthly remittances andreports will be provided no later than the 5th business day of the following month or at intervals requested by the City. . The monthly remittances to the City will represent all principal,interest, and,late fees less applicable servicing fees, and NSF checks. Each disbursement will be for the applicable program°designated by the loan-funding source. These disbursements will`reconcile with the. ; individual program reports provided by Weststar. REPORTING AND MAINTENACE OF RECORDS Weststar will provide.the City,with.a comprehensive set of monthly-reportsby funding source as .provided below: ➢ ,.Each month, a Contract Transaction Report (see EXHIBITS)by funding source will be provided to the City, showing each'loan serviced;payments processed, principal, interest, and late fee application, and the remaining principal balance due on each loan. An Aging Report (see EXHIBITS) will also be provided highlighting all accounts that are y q P . more".than 30 days delinquent. The report will provide the borrowers name, address,.and • ,• delinquent amounts. Upon request by the City,the Company will provide the City with a report of each loan that `is delinquent and will provide all recorded comments noted by the staff in`the memo fields related to conversations with,the borrowers. ➢ ,At times, Weststar may obtain information related to a specific property.in which the City is a:lienholder, related to abandonment, waste, or other"matter that may affect the value of the underlying property. At such time, the Company will notify the City of its information so that City personnel may take appropriate action to preserve its asset. ➢ .Upon request by the City, the Company will provide amortization schedules on specific loans requested. ➢. Upon receipt of payoff request, Weststar will provide the party requesting the payoff,a written payoff statement. ➢ :'Each year a form 1098 will be provided to each borrower highlighting interest paid during the previous calendar year and a payment history-for the calendar year. The fee for this service is: $ 9.00 per loan per month a COLLECTION OF DELINQUENT ACCOUNTS (Optional Service) :Weststar has not been involved with the loan documentation preparation, underwriting or previous collection efforts on the loans made by the City of Huntington Beach, and as such, the Company will,diligently execute its duties and will attempt to contain the delinquencies through ; the,following.methods; ➢ -.Based on the terms and conditions of each individual note, the Company will'immediately, send o it'a•standard reminder letter to the borrower the day after the end of the-specified- --grace period,,shoulda payment not be received on the specific loan. ➢ .When a note becomes 30 days delinquent a second letter will be sent to.the borrower, again . ; demanding payment of the past due monthly payment and late char ges.,, ➢ When an account is 60 days past due a third and final demand for payment will be made prior r to tlie.initiation of a formal demand for payment of the full amount due and owing., The Company will also attempt to contact the borrower via the telephone in order to establish the . reasons for the delinquencies and attempt to cure the past due amounts. ➢ .For delinquent accounts that are between 60-90 days in arrears, Weststar rnayprovide recommendations to the City to accept an extension agreement on a note if.the borrower is . able to demonstrate to Company personnel, that there has been a reduction in household income and that the borrower can pay at least the interest owing on a monthly basis. It is the City's responsibility to evaluate the information and approve any,extension agreement with the borrower. ➢ In addition, for accounts that are delinquent, Weststar may also provide the City with a recommendation to modify the remaining terms and conditions of the existing mortgage given the circumstances surrounding the borrowers capacity to continue to make payments. It is the City's responsibility to evaluate the information and approve any loan modification with the-borrower. Any and all communications with the borrower and Weststar staff will be in compliance with the. Fair Debt Collection Practices Act. The fee for this service is: $5.00 per notice Sent SCHEDULE OF EXHIBITS Exhibit A Monthly Contract Transaction Report Exhibit B Monthly Aging Report for delinquent accounts Exhibit C Borrower Payment History Exhibit D NSF Letter to Borrower Exhibit E Late Notice Letter Exhibit F Borrower 1098 Exhibit G Loan Setup Information Exhibit.H Welcome Letter Exhibit I State of Nevada Escrow Agency License Exhibit J Payoff Calculations Exhibit K Miscellaneous Services and Fees Exhibit L References EXHIBIT A - CONTRACT TRANSACTION REPORT CONTRACT TRANSACTIONS REPORT The contract transaction report is the main report utilized by our clients each month. It is an accumulation of the activity that may affect the loan: This report will show activitysuch as: . 4 ♦ Normal monthly cash receipts, Insufficient funds; ♦ Additional principal payments, Impounds and. i Non-cash items,such as, payments made directly to the beneficiary, debt, forgiveness or charge-offs. In addition,this report is used by accountng departments to prepare the monthly journal entries recording the activity for the month by each pool or funding.source. Items reported are: • Account number. F. .. Borrower, • Number of days`of interest calculated for that payment . :Date payment,received • Due date the payment was applied to • Next payment due date • Number of days delinquent • Payment amount • Payment application between interest, principal, impounds and late fees • Year to date information Current principal balance The end of the report summarizes the activity by non-cash activity, insufficient funds and regular cash payments. Also reported are the total. number of accounts and number of payments processed. EXHIBIT B MONTHLY AGING REPORT ' FOR DELINQUENT ACCOUNTS AGING REPORT The aging,report provides complete delinquency information listedin account number order. The basic information provided on the report encompasses: • Customer name address and phone number • Underlying property address • Contract or note date Date of last payment made Next payment due date Number of days delinquent. • Number of payments behind • Quick aging of delinquent payments • Principal and interest currently due Current note balance . The summary at the end of the report summarizes the delinquent payments and the delinquent note balances so an appropriate loss reserve can be calculated. ' W t e'ststar Loan .Servicing Corporation ,,,. Las Vegas . . ..' ,. . • -_ - 'MINIMUM NUMBER OF DAYS LATE SEL - "-�` a - •. .:,-`�„ - ---__ -_______ Account - Forf Name--and Phone, - Legal _ Contrac •` b Number I'-In I - - Address. - I Description,. Date'.. . .Prot _-- _____ ___ ------------- - - ____ ---__ ___ ------------I Developer 660 _ - 660-11517-4 I - ( COLLINS MARY L - 714 847-3901 - - - - ( 03/01/0 I. I 20752 MISSION LANE - I- - HUNTINGTON BEACH CA 92646 660-.11517-5 SCHUMACHER CHRISTINE M 714 536-6474I 04/01/0 - - 20701 BEACH BLVD SP #77 I HUNTINGTON BEACH CA 92648 ' Days Cnt P & I Due _--Current-Bal-I. Installments Due Exceed To 29-L-- '. 277.06I I Current Balance 30-59 2 I 277.06 34,180.59 60-89 I L - 90-Up I - - I. Cnt I Principal Interest Total P&II TOTAL I- 2 1554...12 I 34,180.59 0 ------------------ _ 1 , .. r EXHIBIT C BORROWER PAYMENT HISTORY CUSTOMER ACCOUNT PAYMENT HISTORY The customer account history is provided to either the borrower or the.Agency upon request. Our history statement provides the payment information on-the particular loan,and furnishes the customer with the following information: Date payment was received and posted by Weststar Date the payment was due for Number of days of interest applied for that particular payment Payment amount posted • Distribution of the payment amount between principal, interest, impounds, late fees • .:An''accrued and unpaid interest Current principal balance remaining on the note " Payment., History prepared for } •.MARY '_L' COLLINS 20752 MISSION LANE 'HUNTINGTON 'BEACH',: CA '92646 -- --- -r --- ----- - Account Number ;c 660-11517-4 - COLLINS/CITY- O.F HUNTINGTON BEACH -Interest,-•Rate 3 . 500D o Payments per Year . : 12 ` . Pmnt .`Due Type. No.. Payment ., Prin. LateBuyer Seller: - - ` Accrued - ', ;.Date Date Days. Amount. + .Int'. Misc. Fee Fee Fee Principal Interest .Interest•. . Balance' ` 04/02 04/03 .01• 30 178+'12' 178.12,. 105.2.0 72.92 '24,,894-.80 • 05/06- 05/63 '1X 30: `=e^178.00. ', 178.00 - . .105.39 '72.61' 24,789.41 - 06/09 06/03 ,1X 30 178_50 175:50 106.26' 72.30 24,683:21.0' 07/07 '07/03 01 .3'0' "" 178.12 178:12 106.13 71.99 Z4,5.77.08. ' O8/O5 08/03 01 30 178112 - �'178.12 106.44 " 7.1..68 _ 24,470.64 - 09/08_: 09/03 '01 30 178.12 •178.12 " 106.75 71.37 24,363.89 10/06." =10/03 '•01' 30 : 178.12 178"12 107.06 71.06 14,256.83 11/13 ' 11/0T 01 30 178.12 " 178 12 107.37' " 70.75 w, •24 149.46 "`.. 12%11 -12%0301 '30 ' 178'.12 178.12 - - 107.6870:44°, 24;041..78 TOTAL`-.2003 • 1,603:34 .1;603.34'. .-. .00- .0.0 - .00 •00 - 9.58.22' 645..12 24,041.78 - 01/12 -c01/04 _iX 30 `; 180.00 180.00 109'.88 70.12 •23,931.90 ' 02/iT .02/04 'lX 30 180.00 178.12 1.88 3.00 108.32- 69.80 723,821.58 `03/0W" 03%04 1X 30 ` 180.00 '17.8._12 1.88 ` 108.63 69.49 :' 23,714.95 04/15 04/04 . 1X }0 180.00, 178.12 1.88 108.95 69.17 23 606.00 6S/14', " 05/04-' 1X 30 180.00 178.12 1.88 109.27 68.85 23,496.73 06/04' 01 30 178.12 178.:12. '. 109.59 68.53 23,387.14 , 67/19., .07/04 -:1X= 30' 178.12 '178.12 3.00 109.91. 68.21', - 08/12- ;08/04 01 '3'0 178.12 178.12 - 110:23 - 67..89 23,167 00 �* ,.09/13,' ,0,9/04...,..01.. 30.'. ..�.�+.178...12 178.12�: , 110_55 67.57 .23,056.45' `10/12` "10/04 �'.O1 3'0• _ 178.12 "178..12 110.87 67.2.5 .•'_.22 945:58 11/18`. -11/04 '-;1X _30,. .- '178..12 178.,12 3.00 111..20 66.92. ' 22,834.38, - 12/06; •.12/04.. 01 30. 178.12 178.12 -: ,. 111."52 66.60 22,722..86 TOTALi2004 _ ;2,•146.84 2,139.32 - ".00 7..52 .00 9:00 ,. 1,318.92 -820..40: _ 22,722.86 _. -61/10 • 01/05: 01 30- 178.12 -- 178.12 111.84 66.28 22,611:02` •• 02/07.,' 02/05 •01 =30 178.12` 178.12 112.17 `65.95 22,498.85 ---` -, -.---- ----` - --- - . 'Printed by,- ,: ' • a = e .t _ Payment Hist,ory 'prepared .for MARY, L :COLLINS . 20752 MISSION LANE- ` HUNTINGTON BEACH CA 92 64 6 =-=-------------- :.y .r -? --r Account Number 660-'11517-4` COLLINS/CITY OF HUNTINGTON BEACH ` Interest , Rate 3 . 5000% Payments per Year 12 Pmnt,V- Due Type -No: Payment Prin Late Buyer Seller' Accrued _. -.Date Date-' Days -" ,Amount. + Int basc - Fee Fee Fee, Principal Interest Interest Balance` 03/07, 03/05 01'•'3.0 178.12 178.12 112.,50 65-.62 221386'.35 s 04/08: 04/05 01 -30•, 178.12 178.12 112-.83 65.29 „06J06 -.05/05 °1X 30 _ 356.24 347.33 8.91 3.06 282.37 64.96 21,991.15 07/08,' �06/05'. 1X 30 200.00 - '.191.09 8.91 3.0.0 126.95. - �64.14. 21,864.20 TOTAL 2005 1,268:72 1,250.90 '.00 17.82 ' .00. 6.00 .858'.66 - 392.24 - —21,864.20` ----' ------ ------ - ------ --- Printed,-_by . LVG CHRISTIE08/10/05 EXHIBIT D NSF LETTER TO BORROWER _ — �s �. _ _- _. d - _ _ - - . � � � i­ . . .,�. , _1 � . . � � - "_esfStar . .__ z A Premier Loan _ '' _ _ .+ Ser . . Co - - 9 mAaPY _. . -,i'. _ - -- . � - �.. _ _ - - - r - - _ - - 1. w - - _._:- - -- - .-_ , ..,.,_.,,- -. _.. . .� ti August 10, 2005: - __- ,. _ - . -.7 . _ _ - _ _ _ — a} "F s w _ .. - _ - -- --•- I r_ - -_ ,.. .,", .r_ -_ . _ _ - --___ _. _ -_ . . - _ _ , . „ _ — _. . James R Gilles = - - --. _ :F .. _. .__ a-, , ,. . . • - - 3844 S inbean:Drive - Los Angeles, CA 90065 -- . - __ ._. II-_ Reference`s Account No 000 '14888" _. _ _ Amount Due 4$1,260 00 - _ "- - - .. ._ T _ . µ x g - - - - Dear James =A - F- .. -_ _ " _ .�-! , �' ..,- z - t Your check no 6101.in the amount of$-I 00 00, which was=recently submitted _for payment on - _ a - the;above�"eA&enced loan, was returned:by your_bank with the notation"Non Sufficient Funds" 1. It is imperative that you remit a cashier's=check or money order`'as.replacement for your returned >_,_ - cheek -- _addition, there is a`fee due of$50 00 to reimburse Weststar for bank and processing . T_ : .. . , fees.incurred as{a result of your returned check:; This$$0 00`fee must e.if uded with your ,. next payment 'Failure to do so will re"suit . the rejection of your payment until all fees are =. - ,. -.. - -' s. - paid to Weststar _, . . - = - ,_. w - - w _ m._- Please remit the total d"ue of;$1,260:00 tosmy attention,:within seven (7) days of_the date of this m i "y` x. . : - t - }letter Be,wawarezthat failure to respond totithis request'may'result ins-legal;action. - .. a 1.- Gt ._, t. .«.• t Thank you for„y_our prompt attention to this matter ;Shouldyou have anyquestrons,please ­-co ntact n e directly at (877),827=2301 - } Y _ 9 y _ - Smcerel , - - -- _ ,_._ _ .. _ _ , _ _ . rr , -- - w ,-n. T - -_ 1 _ -•- - - _.- - - Christie Eurton ; - _-_ _ , . ,. , - ,t ... _, r Manager_ -. ,:: a " - - .- ., - :. _ - . _ _ /ce - E - . - - . . . - _. _ _ _ _ _ ._. . . _ , - -.: .: _ - { - t-. -._ W :_5 - - i __ _. _ - - d•.. .. _ . - - - - . . _ .. _ .. :. : _. _ - _ . -. . '- o-__ .. _ _ - - - - ^... . _ - + - - - _.. -.- _ - _ _ . -_.r_.. - .. _ - .. _ - _ - -.. _. .- . - I -,2-40 P` " Del P-6& _'Suite D-104/P.O Box N9 -/Las Vegas,NV.891 6 9503/702-252-0439/Fay 702'-252 0940J www west7oan coin ., :- z. g. i,.:_ ._ _ c t • EXHIBIT E LATE NOTICE.LETTER - DELINQUENCY NOTICES .. Weststar has the ability to provide delinquency notices at varying intervals on a loan level depending on client's instructions. These notices are meant to remind the borrower that their payment has not been received in accordance with the note, .which they signed. The notices can,be customized to a client's specific request for large portfolios. The notices provide the borrower with specific payments-that'are:delinquent as . well as accrued unpaid late fees.: Notices can-be,sent-at client specified intervals, providing it does not conflict with the-terms-specified in the promissory note. . A Premier Loan _: Servicing Company 10/05 MARY'',L. COLLINS F ;'207.52' MI'S'SION- LANE _ HUNTINGTON BEACH, CA 92646 RE: Weststar Loan Servicing Corporation - `La`s Vegas Account #66:0-11517.,-4-COLLINS;_pays__CIT,Y`OF.:'HUNTINGT..ON 'BEA Dear.,Customer::: _ This ``lett"er is, being sent. to- you at-. the request of_-your e beneficiary- a°nd i int'&nded as'- formal" not�i:c.e .to 'you that.,the following payments have not'_been, received .by. us'_ as° _specified by yo.ur^ l.oan contract . 4 . As of today, the- ,following amount.s';are. requred to bring your account current . .:Please:°.be .advised that other- '. charg.es may accrue' between...now,_and ,the time make you our, y your._ payment ;07/O1./05 =' Regular-Payment 1,78 _12,. 08[01/05' Regular Payment 178 .-12 . _ 07/17 eQ5' Contract -Late Fee: 8 9_1. Total 3 6 5 . 15 P1`ease send in the above amounts as soon a-srpossible = Sincerely "=_WESTSTAR :LOAN"SERVICING ..CORP. - CITY �OF`:HUNTINGTON-BEACH;.CI TY,.TREAS JRER ' SHARI L. FREIDENRICH , PO -BOX .Z711 r , HUNT°TNGTON._BEACH, " CA .92648 2340 Paseo Del Prado:/Suite D-104%P.O.Box`29503_/Las Vegas,NV 89126-9503/702-252-0439/Fax'702-252=0740/www wesd6dti.com _ EXHIBIT F BORROWER FORM 1098 YEAR END INTEREST REPORTING Each January, Weststar provides borrowers with a year-end interest statement. Our statements provide the borrower not only.with the interest they paid for the year; but provides them with a detailed history of their payment activity. This form provides the borrower the ability to review their payment activity as Weststar has recorded, and compare it to their own records. In addition, if the account has multiple borrowers, each borrower will receive a statement for their proportionate share of the interest paid for the year, r ti EXHIBIT G LOAN ACCOUNT SETUP FORM WESTSTAR LOAN SERVICING,INC. Account Information and Agreement SECTION A -= LOAN INFORMATION Original note balance $ Current note balance $ Payments per year(check one): Monthly Quarterly Semi-annually Annually Payment type(check one) . Principal and Interest Interest Only Principal only Payment amount $ Interest calculation method 365 days per year 360 days per year' Interest rate % Contract date / / Interest start date / / First payment due date Maturity date of note Late fees(per note): $ fixed fee amount, %of Principal&interest amount, %of balance,, none Late The due days after payment due date SECTION B -- PAYER(BORROWER)INFORMATION (Attach extra sheet for additional information) _.' Payer Name Social Security or Tax'ID# Address City State Zip code Phone number SECTION C -, PAYEE(BENEFICIARY)INFORMATION Payee Name Social Security# ' Address City . State Zip code Phone number . I EXHIBIT H WELCOME LETTER _..Star _i A Premier Loan = `. Sermcrng Company .__ - _� Y ALL_. _._.- ;,. _ - .. , . _ . . ; —�• - - _ w ,E August 1:0 2005- 4Audrey I >Lewis:- : 1.7572 Prescott_Lane - _ -Hu ntrngton Beaeh, CA 92647 =` Reference: --.Account Number:: : 660=11,517=7 Dea-r Ms.Lewis:; Welcome to Weststar Loan Servicing;Incw Tlie City of Huntingtor%Beach recently contracted - With Weststar to-collect, process aril disburse your loan payments.-We will begin processing your payment effective:8/1/OS Yourjnew Weststarf account number is referenced above Please _ _ refer to this number when contacting Weststar Loan Servicing regarding-your account: a. t v Enclosed.are paymentpcoupons through July 2006 _ You will receive a complete payment coupon w booklet m"July of each=-year Each.eoupon is.imprmted with youraecountnumber, pay..ment amount and the datea:payment`is due Anew and convenient option is the Automatic-Debit -. -al This,option facilitates efficient;-hassle-free payment processing. If you are } interested;please give us-a call`and we ill send you a`setup form.,If youwish to receive.a t .. stateiAentif6llowirig°each payament there will be'-an additional charge,of$2 0Qper payment. _ 'Pxlease notify us�,as soon as possible'if,you'would like this service - Y - Eor-,y convenience;:account mformatiori canbe obtained by calling our4Custorner Service.: _.. v ;- Center at 877 827�2301 `:Representatives are on duty;from 9:00 a.m_to 1-2 00 noon and 1:00 p.m ,. to 4`;00-p:m ,`Monday through Friday _ Sincerely,_ . _ - Christie Eurton WESTSTAR LOAN SERVICING,-;INC _ _ G :Enclosure , �r 9_uite = 04/PQBox295. Las Ugas, 89126953/702230eo DelPad N 25 =0439/Eax 70Z-252 07407 vi+ww westloan corn_ EXHIBIT I STATE OF NEVADA ESCROW AGENCY LICENSE . I � f-I�"I. - I .I �I 1..7i��,-­'r,7­ - . .'. . __- . ­ , .-- N- 41 - NFOAT"Sim, " *�i,-*, - , _�", .- ___, ;, ,,� - I � " I- - , ,-.. aj- &Z . - ,.". Q ­1 � 2- Y " 0, � - .. - � �, ,i._,,, . I �, � , �, . v? 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J,; , . - - 4 1 ,� � �`_', ,-� �' '!,:t,�_K_,�,'��` `��`�,� � : -1- ... , ,�11 -1 lo�,,:i��*�"',cl, :�,t_ ,� , I'll, � 1, W - �', , � TF � ,�,��l,�v��.e)l:"���:�,,,�,"�, _�, '' �� I . .. - - I �1. �. .011 S 1:17_', ART. ..00,; �,." ,,, i"', '.., � I � � � P�,_ t..� I I_,� . �_ � , ...� � .." , �� � RAIR EXHIBIT J PAYOFF CALCULATIONS W.6stSt r a Servicng;Company PAYOFF- CALCULATIONS =„ y Prepared. for F FIRST AMERI CAN TIT-LE'• -t Request: Date 0,7/27/'05 FILE'- NO.- 2669948C: - , PayofV Dater 07/,28/05 _. :. Telephone - �80.0�-525-�3633•-. . , =. . .. " FP,X ., :; 714689 4269w Account.-Data .Account *. 660-123.5 7-3-.GIL-LILAND /- CITY OF . HUNNTINGTON Legal -Remarks Beneficiary approval requ.=ired. You must request -up-date t not: paid :in full by-date .specfled t Wesastar not doing recon: . Detail Data s _ Current Balance . '." .7,,.606 44 Interest Paid To 08;/Ol`/05 t Unpaid ,Interest 0.0 Payoff To O'7/28•/05 V ry . Interests umber of =Days 3 = _ ��2 .23)- �N _ h Discount 700. L-Annual- Ii t-•Rate 3 540p=0 0 Transaction <Fee Regular �Payinent 60':48- _.. C°lose, Out:.;Fee - 0 0_ Statement FFee.'- 3 5 0 0 - ' : - Payoff •Amount 7, 639':.21 =Dailyy Interes-t 74 CERT-I=FIED. FUNDS ONLY CHECKS'-MUST; BE''MADE• PAYABLE TO WES.TSTP,R LOAN SERVTCING ,CHECKS' NOT MADE 'PAYABLE TO WESTSTAR WILL -BE RETURNED .TO MAKER. ANY ACCRUED FEES, : INTEREST OR -LATE. CHARGES WILL: BE. THE . RESPONSIBILITY OF THE PRESENTER; *.*OFFICE HOURS: ` 9;:AM -12 =NOON AND..1: _ - _ LLPM 'TQ; 4 . PM�MONDAY- THRU.-.FRIDAY**• - ,. s ubectto l. approval, and Thispayoffcalculation i 4 Wests;tar' s- final audit:upon- receipt of "funds All: fees. are' due :and payable ii'med ate`ly .,prior;, to_ closing "the .ac:count., Documents°; will note � . ,,be, recorded/r-e eased until- ,all =°outstanding ponies', have •been paid.- °Weststar reserves ahe 'right to ;demand additional; funds tq co:rre^ct any `. error or in:. 'above payoff.^ fgure' .that .<was •`calculated :in good ,'faith, ;,whether the error o.r omission is mathematical-,. a'1-erieal, h .. _ _ -, . r._. :ty o- gr.aph:ical,• or, for=• any transactions .that: occurred; ono°oxr after'_ the. =-- date° of this .payoff quote.,..,_ _ Thank--you ,for ,the: opportunity, to service` your lean = Please contact our o.f-fice` if -you have any- -questions regarding-.your;' account.. Weststar- Loan..Serva.c` ng. Corporation .Las`..V.egas _. 2340 Paseo.De1 Prado/Suite D-.104/P.O.'Box 29503:/Las'Vegas,NV'89126-9503/702-.252'0439/Fax 702-252-0740/:www.westloan.eom _.. . , _F _ : EXHIBIT K MISCELLANEOUS SERVICES AND FEES . . Miscellaneous Services and Fees Returned Check Fee $ 50.00 Per Item Demand Statement Fee $100.00 Per Request Reconveyance Fee $ 85.00 Per Request Account Cancellation Fee $. 3 5.00 Per Account Record Changes` $ 35.00 Per Change Research/Special Handling $ 40.00 Per Hour Payoff Calculations $ 40.00. Authorized B llzc,l hrstie Eurton, Manager Date: /� l EXHIBIT L REFERENCES References Marlie'Miranda. City of Long Beach 333 West Ocean Blvd., 5th Floor Long Beach, CA 90802 Phone. 562-562=6780 From, 1995 to present services provided as outlined in this proposal. Laura Halcom Brea Redevelopment Agency 1. Civic Center Circle Brea,,CA 92821 Phone: 714-671-4421 From 1997 to present services provided as outlined in this proposal. z James Brown City of Inglewood One Manchester Blvd., 5th Floor Inglewood; CA 90301 Phone: 310-4.12-8800 From 2002 to present services provided as-outlined in this proposal: Certification Form ''I certify that all of the information presented in this proposal is true and accurate to the best of my understanding. I also certify that I have the authority to submit this proposal (which may result in a contractual relationship with the City of Huntington Beach_ .' / — . Authorized signature Date Print name and title _g_ EXHIBIT B EXHIBIT "B" Payment'Schedule,(Fixed Fee Payment) Charges Tor time during travel are normal not reimbursable and will only be paid if ,y performing g x. such time is actually used in erforrnm services CITY or as otherwise Arran ed with CITY. 2 he fixed fee , • CONSULTANT shall be entitled to progress payments toward t set forth herein in accordance with•the following progress and payment schedules. 3. . 'Delivery of work product: A copy of every memorandum, letter, report, calculation; and other documentation',prepared by CONSULTANT shall be'submitted to CITY to demonstrate progress toward completion of tasks. In the event CITY rejects or has comments orf any.such product, CITY shall identify specific requirements for satisfactory completion. . w CONSULTANT shall submit to CITY an invoice for each monthly progress payment, due.. Such invoice shall: A) .Reference this Agreement;' B) Describe the services performed; C) Show the total amount of the payment due; D.) Include a certification by a principal member of CONSULTANT's firm that the work has been performed in accordance with the provisions of this. Agreement;and; E)- For all payments include an estimate of the percentage of work completed. .Upon submission of any 'such invoice, if CITY is satisfied #hat CONSULTANT 'is, making satisfactory progress toward completion of tasks in accordance with this Agreement, "CITY shall- .approve the -invoice, in which event payment shall be made within thirty (30) days of receipt of the invoice.by`CITY. Such approval shall not be unreasonably withheld: If CITY does not approve an" invoice, CITY shall notify CONSULTANT in writing of the reasons for non-approval and the schedule.of performance set forth in Exhibit 'W'.may at the option of CITY be suspended until the parties agree that past performance by CONSULTANT is in, or has been brought into compliance "or until this Agreement has expired or is terminated as provided herein.. -5. Any billings for extra work or additional services authorized ,in advance:and in writing by 'CITY shall be'invoiced separately to.-,CITY. " Such invoice ,shall contain all of the .information required above, and in addition shall list the hours expended and"hourly rate charged for f, such time. Such invoices shall be approved by CITY if the work performed is in accordance with the . extra work or additional services requested, and if CITY is satisfied that the statement of hours Worked and costs incurred is accurate. �Such approval shall not be unreasonably withheld. Any dispute between the parties concerning payment of such an invoice shall be treated as separate and apart from the ongoing performance of the remainder of this Agreement, agree/forms/exB-Lfixed fee/3/2/06 EXHIBIT B ; EXHIBIT C , y W ststar Loan Servicing Corporation Las. .Vegas, = CONTRACT' TRP,NSACTIONS CITY OF HUNTINGTON BEACH` '.".SHARI L.°FREIDENRICH, 'CITY TREASURER' ,., :. F,ACTIVITY FROM SESSIONS 3606 T0.3626, "DAYS.' ,'O1°/01/06:"to O1/31/06,s _ is PO BOX 711, „ , LUANN BRUNSON/TERRI RING - HUNTINGTON BEACH CA,92648 -,' 714--536-552v9 •".'' ` • - _ 'Account. . .Account #'Days Payment--,This Due,Next .Due'Days Pmt I^` .:Payment Total Interest Principal,Accrued � ,Misc Escrow Late' Buyer- Seller'I Number Message •.° - Date Date " Date Late-Type- 'Amount ' - P & I _" - Paid Paid Interest-,-`� Paid Paid .Fee Fee- Fee.,- )EVELOPER 660 „ ;60-11515-7 SHELTON/CITY-OF HUNTINGTON 09/30/05 11/61/05 91 >60-11515-8 .DECOCK/CITY OF HUNTINGTO 30l 01/23/06 02/'61/06 03/01/06 1X 100.00_ _ . t 100,00 21.40,' `78.60 „ ;60-11515-9 MEDINA/CITY OF HUNTINGTON 12/27/05 02/61/06, - i60-11516-4. DE RUYTER/CITY OF HUNTIN ;. 301' 01/13/06, 02/01/06 .03/01/06.1. 01 59.18 59..18 21.76 37.42 i60-11516-6 GOLDEN/CITY OF HUNTINGTO 301 01/03/06.12/01/05 02/01/06 1X 200.00 200.00 71:49 128.51 01/30/06 01/O1/06 1X 100.00 10Q..00 71.11 28,.89 i60-11516-8; VOTAW/CITY OF HUNTINGTON 301 01/11/06 02/01/06 03/01/06' 01 37.50 37.50 37.50 360-11516-9,.HAMILL/CITY.OF'HUNTINGTO- 301 01/30/06 12/01/05 01/01/06 30 '1X_ 175.00 175.00 '50.67 124.33 .,. - i60-11517-0 RAIA/CITY OF HUNTINGTON 301 01/03/06 01/O1/06 02/01/06' 01 127.43 127,.43' 47..99 .7.9.44 ` 560-11517-4 COLLINS/CITY-OF HUNTINGT.: 301 01/06/06 01/01/06'02/01/06 1X 160.06 :180:00.•-. 62.23 - 117.77 560-11517,-5. SCHUMACHER,LUJAN/CITY HUNT, 1 12/14/05 02/Oi/o6 560-11517-6 MILLAUD/CITY'OF HUNTINGT'' '301,01/03/06 01/01/06 02/01/06 01 172.65 172.65 53.64 119.0E 560-12295-2 ,CINOCCO/HUNTINGTON BEACH 1,-12/29/05 - 02/07/06 i60-12338-6 HARKINS/HUNTINGTON BEACH, 301 01/27/06 01/01/06 02/01/06 01',�'' .89.77. - 89.77 ., '15.53 560-12338-8 HIPP/HUNTINGTON BEACH 301 01/05/06 01/01/06 02/01/06 01 I :; 160.32 160.32 . 20.91 139.41 560-12338-9. HIPP/HUNTINGTON BEACH 301 '01/05/06' 01/01/06 02/01/06 ,t'° 01 177.20 .177.20 23.11- 154.09 - 560-12340-6 ODEN/HUNTINGTON BEACH 301. 01/09/06 01/01'/06 02/01/06 0 1 253,14 253.14 '20.86 232.48 560-12345-5 HOUGH/HUNTINGTON BEACH- 301 01/02/06 01/01/06 02/01/06' O1 I 103.58 103.58. 8.76 94.88 ' 360.12357-8. CAIN/CITY OF HUNTINGTON 301' 01/03/0,6 01/01/06 02/01/06, 1X 175,00 - 175.00 54.59 120.41 -560-12358-0 NELSON/CITY OF HUNTINGTO 30.1 01'/30/06 02'/01/06 03/01/06 01 'I: 101.06 101.06 .�,. 25.36 75.70 560-12358-1 GARISEK/ CITY OF HUNTING 301 01/02/06 01/01/06 02/01/06- ix 100:00 100.00, 23.88 c 76.12 560-12358-2 GARISEK / CITY OF HUNTIN-- 301' 01/25/06 02/01/06 04/01/06. 01. "'67.57 67.57. . 15.72 51.85 ` J_01/30/06 03/01/06 01 67.57, 67..57- 15.63-. 51.94 560-12358-4 BAKER / CITY OF HUNTINGT'- 301 01/26%06 02/._O1/06 03/01/06 01 ' I 178.72 ` 178.72 67.87 ..: 110.85 560-12358-5 HOWARTH / CITY OF HUNTIN 3DI-01/11/06 O1/01/06'02/01/06 1X 1 108.00 107c23 40.89 66.34. .77 - ° 560-.12358-6 BARTLETT / "CITY OF HUNTI'' 301 01/13/06­01/01/06 '02/61/06 01 I 178'.72 178,.72 69.15 109.57 -- -- --- - - --- ------------- Non-cash Payments `.' . Rejected Payments Unapplied Payments Regularjayments 2,912.41 839.79 2,071 857711,, ---------------------- 77 a .. ...y - Number of Accounts 24 Total Payments. 2,'912 41 ,. - 839.79 i`. Number:of Payments•z - 22; 2j9T1 64 = '2,071 85 , ' .:--..y 77 T6ta1.Non-cash.Down Payment =00,,- - , .", Total-Cash.Down -Payment :- 00, Pw , 9 l- • � a ' r y INSURANCE AND INDEMNIFICATIO . " MODIFICATION REQUEST 1 Re uested b . Christi Mendoza, Risk Mana ement q Y q City of Huntingk in`8e 2 . Date: April 25, 2006 City Attorne s acw �' Gffi- ce , 3. Name of"contractoripermiftee: Weststar Mortgage Corportaion 4. , Description of work to be performed: Loan servicinq services .for the,. , city s' housing rehabilitation loan program Value and length of contract: $10,000, March 1, 2006 = February 28,2009 6.r Waiver/modification request:-- $10,000 deductible/professional liability insurance: ` = 77' Reason for request and why it should be granted: Unable to comply with the city's ,zero: deductible/SIR insurance requirement 8: Identify the risks to the City in approving this waiver/modification: None. . 0 � Dep t Head Signature Date: APPROVALS Approvals must be.obtained in the order listed'on this form, 'Two approvals are required for a request to be granted;.Approval from theCity Administrator's Office is'only requiretl if Risk Management t ,"city.Attomey's ice disagree, 1 g'Rr k Management <o Approved, El.,Denied: Signature Date 2: . - City Attorney's Office proved El Deni ignature Date :City Administrator's Office :« ❑ Approved 0Denied Signature Date If approved;the i,ompleted waiver/m ification re toe , ,jp to _ sutimitted.to the City.Attorriey's Office,along with"the contract for approval; O"nce the contract has been approved, :this-fotm.s;to be;filed with the Risk Management Division:of Administrative Sernces , v y , o „•: J.�+,.,..f'..,:..✓'! ..Y..rt,Y. :�•f,•'k>k .. 't`. ::a :bf. r2. ''.x.::X^A W NO DATE f ' ..�.`S•'. 4:."4:s,.,� •cia: ;. ,..#..k.•.Q I8 j20Q6 ,. PRODUCER Frank Hines THIS CERTIFICATE IS ISSUED AS A MATTER OF IWORMATI0N ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE IiUB ,International Southwest Agency' HOLDER. THIS CERTIFICATE DOES NOT AMEND, EXTEND OR P O Hox 90756 87199 ALTER THE COVERAGE AFFORDED BY THE POLICIES 'BELOW: 7770 JCfferson NE, Suite 101 COMPANIES AFFORDING COVERAGE Albuquerque, 1qM 07109 COwANY Hartford Fire Insurance Company `(505)828-4000•` (505)828-0732 A '"84t1ED COwANY Underwriters at.-Lloyds of London Weetstar Mortgage Co ration B "P.O•.-Box.25400 COMPANY , < C. .. Albuquerque',NM 87125 COMPANY - D ::` .....: -- ..:1.,yam..,,:�.•e > r ».�?-':i;,.:;�'s• •8 q»<i::.y.': ,':!>. ,s.< #"E:x: .,;:..,w:,, ;'i a 2s� 'iz�R,:;'ae«='.. fiR-<-Y -v r.i ':.Z.�.�,+�>,d. �✓ .€ #.a. }�v ..;>.,.'#..r.. ...3rK..:.�.. S` ..y,1j�'s�€E.�.'. .r.��';e.,,��,.�i:si'.. .�£t.S`•f�3•e,#;• .,'i;"�”` •a: _ ...r: - _ d :<$s rk ::< •,:pax,,<o.' ••--..$,;.,. 3,.,;.?�''�R%��T� -t, �„�.. <§ ..3z., .E rE ;.q ;�>i:»... �^: �"i:.k":f.g,.,: .;:r•:e' gip. � :� ^. ,`F't,:..4:t.. �n•r��q :�. {:tiKv:: S lf_r .i �:.Si.R�:�R''E':ta�?•"5..+ x� kg,'i+ 4;4'�t..>�;- ♦.: �F<�,•.,sx.Ys�.� s. <c_ k'Q•1"..fin ��".d:�d '.�5:':.:Y::S::e>x-�.•. ,i�'.,E3vsiT!•�• S -z••5`<."� Y'Lxl. 1:.2:.D.1•.s I�.:s-i;ti•.:�.::.. CS•'✓s Y.:'::v�:,:i• THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE WSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED,NOTWITHSTANDING ANY REQUIREMENT.TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT T01`WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE'TERMS. -' EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. CO POLICY ERECTME POLICY EXPIRATION - ' •` - LTR .... .TYPE OF.IHSURANVE •` POLICY Wj&WER UNTS .DATE IlMM/DD/YTI DATE tMN/DOMq -A GglI WUAttitm " 34SBAC$8697 2/13/2005 2/13/2006 GENmALAGGREGATE r4,000,000 COMMERCIiLGEWLIWLIABIUTY -.' _ - PR000CTS-COMPIOPAGG a 4,000,000,. CLAIMS MADE OCCUR PERSONAL&AOV INJ1113Y : 2,.000,00.0 •F` .. • .OWNQR•5d CONTRACTOH"5 PROT '; EACHOCCURRENCE e'.2,000,000 ' 00,000` FIRE OAMAGE(Any ontka a3 MED EXP(Any ono oersoal a 10,000 - A Auroimil)* FLIABRITY`••'.,. 34SBACS8897 2/13/2005 2/13/2006 ANY AU70.. - - - - COMBINED SINGLE LMMT• e 2 Y0 QO,DQO .. ALL OWNED AUTOS BPDtr- Y I Y , �• .SCtMDU1.ED AUT06.. .. . _ -.. DI Parse�,y 5 . - ... 600tLY INJURY x: NON-OWNED AUTOS AS TO F K PROPERTV oAMAGE :- onRAc u�aRm JE 1 _' 'i1 GRATA `. tr AUTO ONLY•FA ACCIDENTS "* ' ,• C A IZNE 1-... ., - , OTHER THAN AUTO ONLY:.ANY AUTO'•:. - ..- EACH ACCIDENT S - _ - AGGREGATE * EXCESS UABILMY .. .•s - , .,: - - - EACH OCCURRENCE • e - '. U91iEUJ1tFORM` . .�, - AGGREGATE M • < . . OTHER THAN UMBRELLA FORM - - ' ..• - - "i, _ .; ...` A woacEmcaMraesAnoNAND 34WECFP9801. 12j13/2005 2j13/2006, r�aa�erER6•.tusnmr' .. , EL EACH ACCIOeQT� a 1,000"000 THE"DI AIETQfI!, : INCL -:.. '.... • • EL DISEASE:•POLICY LIMIT e 1,.000,000 ... PAILTNERSdE)MIVE ` - - q ' OFFICER5 ARE." EXCL "EL DISEASE-EA e%WLOYEE, s 11,00010001 �. '• S < " 110600086804A 1/30/2005 1/30/2006 ,. . , Errors Limit $1,,000,000 ' LiSb lity Deductible '$10,060 R CRIPTION OF ORERAnONRA.OGATtONSIVUMCU"PWAL rrom ity of Huntington Reach,-its agents, ite-officerd, employees and volunteers are additional insureds regarding general liabilj 0 ..�.i:^� .I��iY�.ti�2-:ia�f"S.a•<::i A..��.dk Jl.".b,0.. :�PY�.,;,c'•..,5--.::'i •{'.S::r r<`'�:'>:;i>.;::.�;;i+k�atf<' :•1�<`2iTw�<FK'43�au•° F ' ..- ..,........ . ..., irk"�k�,�^.ig+2�A�.'���.Ev�«::�'.£��s':,�R�Y'�:3'•�::'ru:',�'ui�r:�-�t>&�s���S', .. .,.».....�r,.�.'bi�3"�2 1.>. x•� r �i y,�;As�`,.,� �-t: . rEE'' .. t a-[7c(K:ifSu,>w `f^o�s...a. R `�.•s`L>.^u i:�s�p...F.ix3,:�Y�. City of Huntington BeaOIL SHOULD ANY Of TK MOVE DEECIWD POLICIES eE CANCELLED,BEFORE THE.. "q. Attn '.. 'Riak Management"% - ' FXIIRAMON" PATSTKKWOF,.THE ISSIANG COMPANY WILLXN2aV7dXX MAN 2000 Main Street. 30 yDAYS WiYTTEN NOTICE To THE CERTIFfC:ATE HOLDER NAMED TO THE LEFT. • b dC �Iy44C1 ic0 £ non-Pa 6 LI�7if01FYE�](W..IDIIet�fti67'(OR?t1lCl3Ali , 4 , Huntington,Beach,.CA 9264e ssr'S^' fT vx..- _f S" ' < bAIITMOR12E0 ;k�'"s'�;!f�! a.S•o: � � ' L Y3'`. .•;r.—":?.:•oT ,f�R�#fir ..•'Wp_R" 3-h f � 'Xir 4F E ,;.n f,,y;dw ft Ys^�,''�:.f rk' :i.µ'-�..F,••$. - r#?= .< 5.ts,'!L?.k✓. . :.^dY: 3x:.Se f:aA'-,;Y, •`.��.. �. :; y .,' a •.:. ... „� .-' BV INESS LIABILITY COVERAOI=FORM O in the care, custody Y or p y 8 is provision does not b cons oa of,-or ov which h si al b. Coverage- under this' w control is being exercised for any (1') "Bodily injury",or "property_damage" `purpose by you, any of your that:occurred; or employees", "volunteer workers', , (if you are (2) "personal and advertising any partner or member ', injury a partnership or joint venture), or. arising out of an offense committed any member(if you are a limited before, you acquired or formed -the liability company) organiza tion, b. Real Estate Manager 4. Operator Of Mobile Equipment Any person (other than your."employee"or 1tVflh respect to "mobile equipment" registered ins y'. ="volunteer worker', or any organization your name under any motor vehicle registration o while acting As your real estate manager. law, any person is an insured while driving such o c:M Temporary, . Custodians Of Your equipment along a public highway,with your.; _ permission. Any other person or organization Property responsible for the conduct of such person is.. o Any person'or organization having proper also an insured, but only With respect to liability o - temporary custody of your property if you arising out of the operation of the equipment,and Ln, i.:. . die, but only;. only if no other insurance of any kind i5 available. " b •r •,, M,, With respect to liability,arising out of the to that person or organization for this Lability; w maintenance or use of that property;and However,no person or organization Is an insured 1(2) Until your legal representative has with respect to: o' been appointed.:, a. "Bodily injury" to a co"employee" of the. d .Legal Repre5erltative if You Die person driving the equipment,or, . Your legal representative if'you die, but b• "Property damage" to property owned tiy; `s a only with respect to duties as such. That rented to, in the charge of or occupied by ' representative will have all your rights and You or the employer of any.person who is ? an insured under this provision,'-' _ duties under this insurance . ,. e. Urnamed Subsidiary = 5. Operator of Nonowned Watercraft . = Any subsidiary and subsidiary thereof, of With respect to watercraft you do hot own that yours,which is a legally incorporated entity is less than:51 feet long and is not Pbeing used to carry persons for a charge.an of which you own a financial interest of r►Y p y person is an , more than 50% of the voting stock on the insured while operating s such watercraft with your permission. Any , other person or effective date of this Coverage Part. organization for the'responsible condu t of f The insurance_ afforded herein for any. c such person is also an insured,. but only with. . subsidiary not shown'in the Declarations' respect to liability arising out of the operation y' a apply s ,a named insured does not ly to,.,, : -� of the watercraft; and. only if no other ' -injury or damage with respect to which an insured' under this insurance is also an insurance of any kind is available to that —_- insured under another policy or would be person or organization for this liability., an insured under such policy but for its However, no person `or organization is an • termination or upon the exhaustion of its insured with respect to; �. . If writs of insurance: a. "Bodily injury" to a co-pemployee" of the . ." 3. Newly-Acquired Or Formed Organization person operating the watercraft; or Arty`organization you newly acquire or form, b•'. "Property damage" to property owned'by, _ rented to, in the charge of or occupied, -, other than -a partnership;. joint venture or • � ... by limited liability company, and over you you or the employer,of any person who is, maintain financial interest of more than 50%of an insured under this provision. the voting stock. will qualify as a Named #r6. Additional Insureds When...Required By • Insured,if there is no other similar insurance Written Conuact, 'Written Agreement Or -"- •,available to that organization. However Permit `a Covera�a under this provision 'is afforded The "g p person(s) or organization(s) identified in only until the 180th day after you acquire Paragraphs a.through f. below are additional', or forms the organization or the end-of the : insureds when,you have agreed, in a written policy.period,whichever is earlier;and Form SS�00 08 04 05 Page'11 of 24 BJSINESS,L(A6(L(TX COVERA;S�E FORM contract, written•agreement or because of a (e) Any' failure to make "such permit issued by a state or political inspections,:adjustments. tests .or subdivision, that such person ar organization servicing as -the. vendor 'has be added as an additional insured on your agreed to make or normaliy' °policy, provided the injury or damage occurs undertakes t6 make in the usual Subsequent to the execution of the•contract or course. of business, in connection agreement, or the issuance of the permit. with the distribution or sale of the a A 'person or organization is an additional ` products; - T insured under this provision only for that (f) Demonstration, installation -period 'of time required by the ` contract, cing o rEpair, operations serv'i r agreement-or permit. except such operations performed r However, no such person or organization is an ' at - the vendor's premises in ` additional insured under this provision if such cannection with the. sale or' he person_ or . organisation is included as an product; 'G additional insured by an endorsement issued (q) Products which,, after.distribution ' by,us and made a part of this Coverage.Part, or.sale by you, have been ahe(ed •' Including all persons or organizations added' or relabeled. or used as a;. as, additional insureds under the specific ' contalner, part or ingredient°of any` additions( insured coverage grants in Section other thing or substance by o ,for' ".F.. Optional Additional Insured Coverages: the vendor;,or• ; a: Vendors (h) "Bodily injury" o, "property a damage" arising out of,the, 'sole Any person(s)or organrzation(s) (referred to negligence of the vendor for its - below as vendor), but only with respect to own acts or'omissions or those of "bodily.Inj<ury' or "property damage" arising its employees or anyone else out of "your products" which are distributed acting on iis'behalf- However;this or.sold in the regular course of the vendors exclusion does not apply to: bik iness and only if this Coverage Part: » r The exceptions contained in z "property coverage for bodily Injury' or O p • Subparagraphs(dj or(f);or • property damage' included within the "products completed operations hazard'. (ii) Such inspections, adjustments "<. (1) The insurance afforded to the vendor tests or servicing as the vendor is subject to the following additional has agreed to make or normally' . exclusions undertakes to make in the usual course of business, in This insurance does not apply to: Connection.with the distribution- (a) "Bodily fnlury` or "property- or sale of the products' R damage" for which the vendor is 4 'r obligated to pay damages by (2) 'This,insurance does not apply to 'any insured person or, organization from reason of the assumption of whom you have acquired such products, liability in a contract or agreement. • or any" ingredient, part or container, Y This exclusion does not apply to entering into, accompanying or liability .for damages that the, containing such products: vendor would have—inthe absence of the contract or agreement; b. Lessors of-Equipment - (b) Any express warranty Any person or organization .from unauthorized'by you; whom you lease equipment; but only F `' with respect to their liability for."bodily (c),Any.physical or chemical.change. jury„ .,property damage" or, in the Product made intentionally personaland advertising _ by the Vendor; . furry"g in' caused, who in le or in-part by your (d) Repackaging, except when maintenance, operation or use of unpacked solely for the purpose,of equipment leased to you by `such.` inspection.. demonstration._testing. person or organization., or the substitution of pacts under instructions from the manufacturer, and .then repackaged in the original container; - Page 92 of 24 ; " - ,. 'Form'SS 00.08 04 05, o , • -Mendoza, Christi From: Brunson,Luann Sent; Wednesday, April 19, 2006 8:28 AM To: Mendoza, Christi Subject: RE:.Weststar Mortgage Corp Categories: Ins Certs/Waiver CC you're:''the besti- here's the info ou asked for Please let me know if there is-ANYTHING else I ca n d©! . Y - thankyouthankyou ` Luann ---original:Message-----•- " Froth: Mendoza,Christi _ :Sent ` , Monday,April 17,2006 4:21 PM , To:,. Brunson,Luann Subject:° Task Status Report:_Weststar Mortgage Corp FYI., I fax d the request to the Ins Co for the add'I insured endorsement page for their GL (the endorsement 'must bear the naming even though the certificate has it) and 1 will need the waiver info to prepare a waiver form for.their$1 OK PL deductible. If you can give me the waiver info,all the better: Brief description of their contract project in one to two sentences - loan Servicing services for the city's `housing rehabilitation loan program Timeframe contract: March 1,2006 -February 28, 2009' D611ar.value(of their contract) $10,000 , Contracf 1ns/TalbotAgency:.505-82&4000,fax 505-82M732 ' 04/17/06.-Fax'd to Ins and mailed copy(cert dated 8/16/05) to Insured for Add'I insured endorsement/GL `. Waiver info requested/PL for$1 OK deductible { .,. , L • a . • , sU PROFESSIONAL SERVICE CONTRACTS et PURCHASING CERTIFICATION •Hun Beach'® , 1 Requested by: Stanley Smalew"itz, Economic Development Department (Staff: Terri-King X8831) n 2. Date: June 5, 2006 3. . .,Name of consultant: Weststar Loan Servicing, Inc. F 4. Attach the written . statement of the specification, conditions and other: requirements for the requested services that was provided to solicted 4 consultatnts in your answer to 11 of this form. 5: :Amount of the contract: $10,000.00 6` • Are sufficient funds available to fund this contract?1 E Yes, [1 No gjjpp.9903W.., 6 6-e5 7: Company number and object code where funds are budgeted:B68�9365 8: 1s,this contract generally described on the list of professional service contracts approved by the City Council'? ® Yes, 0 No . 1s this contract within$25,000 or 25% (whichever is less) of the amount stated on --the list of professional service contracts approved by the City Council?' M.Yes., ❑ No 10. Were'(at least) informal written proposals requested of three-consultants? Yes, '. ❑ No 11. .'-Attach list of consultants from whom proposals were requested (including a contact telephone number). 1`2. Attach proposed scope of work. 613. Attach proposed payment schedule. i ARDAMADRIL, Manager Purchasing/Central Services ' If the answer to any these questions is`,No, the contract will require approval from the City Council. " LIST OF SERVICE PROVIDERS SENT.RFP FOR HOUSING REHABILITATION LOAN SERVICING August 3, 2005 Circle Lending North American Note Servicing Center,Inc. Attn: Request for Proposals Attn: Tom Standen Sr., Two Canal'Park PO Box 77 'Cambridge,MA 02141 Midpines; CA 95345 (800) 805-2472 Toll Free (209) 742-5732 (617)859-4899 FAX- - (209) 742-7153 FAX supportna,circlelending`om tom@sellerloans.com Evergreen Note Servicing Trust Accounting Center,' Attn: Request for Proposals 1419-6th St. 208 No. Meridian PO Box 730 Puyallup,WA 98371 Anacortes,WA 98221 (866),358-6683 Toll Free (800) 562-2044 Toll Free = (253) 845-4430 FAX (360)293-0662 -mailkftote6ollection.com tac@trustaccountingcenter.com Fidelity Contract Services,Inca Weststar Loan Servicing PO'Box 535 Attn: Christie Eurton 319 3xd St. SE 2340 Pasco Del Prado#D104 Puyallup,WA 98371-0055 Las Vegas,NV 89102 (800) 95.5-4449 Toll Free (877) 827-2301 Toll Free (253)770-4612 FAX (702)252-0740 FAX puvallupgg,go2fcsxom_ ChristieEPWestloan.com :First American Finance Corporation 1104 E..Kocki Dr. Portland, IN 47371. (877)287-2274 Toll Free (765)768.4121 FAX-(call first to see if correct) infognotecitY.com.,' First Federal Savings and Loan Association of Port Angeles PO,Box 351 'Port Angeles,WA 98362 (800) 800-1577 Toll Free (360)>457-0485 FAX askusAa a.com. FirstService . 241.East Saginaw.Hwy. . PO Box 4549 East Lansing, MI 48826 (517) 336-7639 firstservicegfnba.com Date letters sent:August 3, 2005 Due date:August 31, 2005 teiii\wests�arlrpw;�5tstar20QbtllXstltatzsvcg245.cQc - REQUEST FOR PROPOSAL Servicing of Housing Rehabilitation Loans for the City of Huntington Beach Housing Rehabilitation Loan Program ' August 3, 2005 I. SUMMARY-OF THE PROJECT This Request'for Proposals (RFP) is designed to solicit an individual or firm ("Contractor")•to service the housing rehabilitation loans originated by the City of Huntington Beach ("City") in connection with the City of Huntington Beach Housing Rehabilitation Loan Program("Program"j. The Program is federally funded with Community Development Block Grant ("CDBG") funds. -The services being solicited include maintenance of the City's amortized loan portfolio("Loan Portfolio") as it currently'. exists and-as it continues to increase or decrease with new loans and loan payoffs: . City staff, on an ongoing basis,.originates low-interest, amortized loans which are added, or`•removed if paid in full, to the Loan Portfolio:which is comprised of approximately 29 loans as of August 1, 2005.1t is anticipated that at least 4-5 new amortized loans will be generated each year and that a minimum of '5 loan payoffs will occur each-year.The City currently utilizes a loan servicing agent to collect loan payments, remit.monies received via deposits to a designated City bank account, generate and send disclosures and delinquent letters to borrowers as needed; prepare loan payoff demands, process loan payoffs and generate monthly Loan Portfolio reports: The.City Treasurer develops and has authority over the City's accounting policies and procedures which directly impact the Program and loan servicing agent or Contractor. r. :-Please'review the information below before submitting your bid: II: TERMS AND.CONDITIONS ., p p - 1. Proper er Record Keeping:' g:' Contractor must maintain accurate records and permit,complete access , 'by the City-to those records for audit purposes, should the need arise. 2. . Conflict of Interest: Since the funds used to pay for the services rendered by the Contractor will, '> be public.funds, provided through the City of Huntington Beach, there must be no conflict of interest on the,part of the City Council, or other public officials or on the part of the contractor.in . relation to the execution of the contract, µ 1 . III. DISCLAIMER `The•issuance of this RFP by the City in no way obligates the City of Huntington Beach to accept any proposal that is received. 4 " • r ` ,IV. PROPOSAL FORMAT l: The proposal must have all'questions addressed. 2:•- All'�proposals must be typewritten, or printed in a clear.legible manner so it is easy to read and,, understand. : 3. ,The proposal must be.signed in ink. ; V. PROPOSAL DUE DATE : . . Yon must submit your bid in triplicate(3 copies, unbound) on or before August 31, 2005, at 5:00 pm to: The City of Huntington Beach Bid for Rehabilitation Loan Servicing Attn ,Terri King,Economic Development 2000.Main Street 5 Huntington Beach, CA.92648 Any proposals received after that time will,remain unopened and will not'be eligible for. evaluation. VI. ADDITIONAL INFORMATION OR QUESTIONS ABOUT PROPOSAL Requests for additional information or questions about the RFP need to be',in writing 3 days prior to bid opening: Please direct written correspondence to: City.of Huntington Beach. Attn: Terri King, Economic Development, , 2000 Main Street. Huntmgtori Beach, CA 92648 z VII: MINIM QUALIFICATIONS 1: . -Minimum of five (5)years experience as a contractor performing duties similar to those . 'described in this RFP. 2. ;Knowledge of all state and federal processes and standards associated with the loan servicing industry, in general and as they will relate to the loan servicing relationship being proposed. 3. ' 'Demonstrated,ability in the preparation and issuance of loan servicing related`-reports, m disclosures,notices and letters as required by state and federal lending and tax laws and regulations. 4: .,.Ability-to strictly monitor and manage a loan portfolio that is funded with state or federal , 'funds and assist in disputes that-may arise in connection with the loans being serviced; if' needed or'requested.' 5. Proof of Insurance to meet the Manager's and City's requirements (see attached Appendix 'A"). . VIII.JNFORMATION FOR SUBMISSION OF PROPOSAL I..' Name of organization.' 2: `Organization type and status (Sole Proprietorship, Partnership, or Corporation, etc.) 3 Contact person. _ 4: Contact person phone and fax number. 5:. References. Please list three (!)for whom you have provided the above described loan servicing duties. Please supply the following information for each reference: , Name 1 . Business'Name and Address - - • Phone#- • Description of services provided to person or firm being referenced Time.period services were provided to person or firm being referenced . - 3'_ 4 " IX:_OUTLINE OF QUALIFICATIONS Please answer each question or respond with attached material as requested: ' Please attach-a resume for each principal'associated with your proposal. ` which' ou o erate and if re uired to monitor loans that are enerated in-and se m y. p 9 � g 2..' Please attach a copy of your licensing as required for loan servicing in the state from to properties located in—the state of California. 3: Describe how`.many years your firm has been in business and the number.and type,of loanx ." -portfolios you have serviced. 4 ..Outline your qualifications related to the duties and responsibilities listed.in the job ,de scription outlined in Section VII of this RFP. 5 `Have you ever participated in, or responded to a request generated by, a city,state.or federal audit? If so, briefly describe your involvement with the event, how you `responded, and what-the outcome of the audit was. Please note the type of public organization being audited, the type of funding involved(city, redevelopment, state, federal):and.your relationship with the public organization. . 6: Attach a sample set of a monthly generated loan servicing report, loan set-up forms and letters(both with reference to your client (City) and their participants/borrowers), loan payoff demand or estimate, and notice/letter of delinquency. . -X. FEES FOR SERVICE .All-Proposals must have completed the following information. Please indicate the'rate your firm_ will`charge to monitor an individual account, taking into account the following tasks_ or events:,, . :Loan.Set-Up • Monthly Monitoring of Loan as per Terms of the Note r' Delinquency Pa off E timate notice/letter.call char ed to borrower y (typically g ower directly) Loan Payoff ,. Other functions not listed Please include an AUTHORIZED SIGNATURE below your fee proposals. r . =XL CERTIFICATION . Y ., Please attach a completed Certification Form(see attached)to each of the three (3) proposals being submitted. Each of the proposals must contain an original authorized signature. , . , • }" Certification Form I-certify that all of the information presented in this proposal is true and accurate'to the best of - - my understanding; I also certify that I have the authority:to submit this proposal (which may result in a-contractual relationship with the City of Huntington Beach. Authorized signature Date Print name and title , . i 5