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January 1, 2019 and all required documentation must be updated as of the new intake date and <br />recorded in the client file. The Contractor cannot submit subordinate liens for a homeowner whose <br />primary lien was already serviced by the counselor previously and where .this is not a change in <br />circumstance for the borrower or change in workout options available to the borrower, nor should the <br />Contractor resubmit clients who have on -going cases without any substantial change in circumstances <br />and that have already been filled in a previous round of funding. <br />60. Client Rights. <br />In order to keep as many options as possible available to clients, the Contractor must not engage in <br />exclusivity agreements with clients seeking foreclosure or delinquency counseling or interested <br />parties such as servicers or lenders, not shall they otherwise engage in practices which exclude other <br />counseling agencies from working with its clients or its clients' servicers or lenders, should the client <br />willingly seek assistance from another organization. <br />61. Conflict of Interest Disclosure, <br />The Contractor must disclose in writing any potential conflict of interest to IHCDA. <br />62. Exhibits. Exhibits A, B, C, D, E, and F attached hereto, are fully incorporated herein. <br />{00033430-1} <br />[REMAINDER OF PAGE INTENTIONALLY LEFT BLANK] <br />Page 19 of 29 <br />