Bo rro er nd we Le r Week 1 One party contacts DMM Case Management. DMM then contacts other party. DMM sends both parties the DMM pack which includes the relevant client agreement (Borrower or Lender); the Draft Agreement to Mediate; the Pre-Agreed Clauses and a letter encouraging them to review the documents and to take them to their advisors if they wish. Week 2 If both parties wish to go ahead, each signs the appropriate Debt Management Mediation Client agreement and returns it with the appropriate cheque to Debt Management Mediation. DMM allocates a Mediator to the case and then contacts the proposed Mediator to ensure no conflict of interest exists. If there is a conflict, or if the mediator is not available within 2 days, the next Mediator on the panel rotation is contacted. Week 3 Mediation begins: all present sign the DMM Agreement to Mediate. Borrower will start by explaining why they are in the mediation, their relationship with the Lender and a short history from when they took out the loan. They may speak, uninterrupted by the Lender’s representative. Lender will then respond to the Borrower and give a short history of their position uninterrupted by the Borrower until the present. Mediator will facilitate the discussion process, in a neutral and even-handed way, ensuring that it follows a positive and constructive course. Agr eem ent nt held me in Signed by all parties, No Agreement ree Esc Ag row held in escrow by DMM Written out by hand by the for 1 week after which if Mediator using DMM the parties do not agreement template, including contact DMM to DMM Pre-Agreed clauses. Mediation will withdraw from the Signed by all present, will be terminate. Mediator will agreement, the final and binding from that inform DMM that the Mediated Agreement moment. mediation concluded will be valid and without agreement. binding on all parties.