Testing of Model Bankruptcy Periodic Forms for Mortgage Servicing

Payment Options

Automated Account Information

Springside Mortgage provides you the following options for making
your mortgage loan payments.
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Mail: P.O. Box 11111, Los Angeles, CA 90010
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Online*: www.springsidemortgage.com
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Pay-by-phone**: 1-800-123-4567
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Automatic Deduction: Enroll at www.springsidemortgage.com
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In Person: At any Springside Mortgage branch
*Select “My Mortgage Info” from the “Online Services Menu.”
** A fee may apply for this service.

Account information is easy to access through Springside Mortgage’s
Automated Phone Service by calling 877-555-9988 or 1-800-5552222. Please have your loan number and the first five (5) digits of
your Social Security Number to access this convenient service.
Automated information is available Monday-Sunday 7:00 a.m. to
11:00 p.m., Eastern Time.

Online Services
Springside Mortgage offers a variety of online services to help you
better manage your mortgage loans including:
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Payments
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Electronic Statements
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“Notify me” alerts for payments received or escrow
disbursements
You can also view your loan payment history, amortization schedule,
principal balance, interest rate and escrow account activity
Simply visit www.springsidemortgage.com and select “My Mortgage
Info” from the online services menu. For further assistance please
contact us at 1-800-678-4567.

Payment Information
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Additional Amount: Please designate how you want additional
funds to be applied; we will apply them as directed provided
your account is current. If your account is current,
undesignated funds will be applied per the terms of your
mortgage loan documents. Regardless of the account status,
principal prepayments will only be applied to your account if
your contract allows for prepayments.
Please be prompt. Payments must reach Springside Mortgage
by the due date. Your payment is credited on the day it is
received at our payment center, not the day it is postmarked.
Payments made at a Springside Mortgage branch prior to the
change of the business day will be credited the same day.
Payments are not accepted at Springside Mortgage origination
offices.
If you are in bankruptcy or received a bankruptcy discharge of
debt, this communication is not an attempt to collect a debt
against you personally, but strictly for informational purposes
only.
Notice of Negative Information: We may report information
about your account to the Credit Bureaus. Late payment,
missed payments, other defaults, or bankruptcy filing on your
account may be reflected in your credit report.

Consumer Complaints and Inquiries
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Service Fee Schedule (Unless Limited by State Law)*
Amortization Schedule: $25.00
Account History (per year): $10.00
Duplicate 1098/Escrow Analysis: $10.00
Verification of Mortgage: $20.00
Document Copies (per request): $20.00
Subsequent Payoff Statement: Varies
Automated Payment by Phone: $15.00
Fax Fee: Varies
Returned Check Fee: Varies
*May be subject to change

Important Springside Mortgage Contact Information
Payments:
P.O. Box 11111
Los Angeles, CA 90010
Correspondence Address:
P.O. Box 12111
Buffalo, NY 14240
Fax Numbers:
Fax payoff requests: 1-866-221-2222
Fax all other Customer Service requests: 1-866-555-5555
Overnight Mail:
1 Fountain Plaza
Buffalo, NY 14203
Questions about Insurance:
P.O. Box 32309
Springfield, OH 45501
Questions about Tax:
P.O. Box 209433
Fort Worth, TX 76161

Homeowners Insurance/Property Tax Information
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Mortgage Counseling and Assistance
If you would like counseling or assistance, you can find a list of
counselors in your area on the U.S. Department of Housing and
Urban Development's website at www.hud.gov. Below is contact
information for the housing finance authority in your state and for
three state- or federally-approved counseling programs in your area.
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California Department of Housing and Community
Development
rd
1800 3 St
Sacramento, CA 95811
916-445-4782
www.hcd.ca.gov
Consumer Credit Counseling Service of Orange County
2450 E. Lincoln
Anaheim, CA 92806
714-547-2227 or 866-784-2227
www.cccsoc.org
Neighborhood Assistance Corporation of America – Los
Angeles
241 South Market St
Inglewood, CA 90301
310-412-2600 or 888-297-5568
www.naca.com
Los Angeles Neighborhood Housing Services, Inc.
3926 Wilshire Blvd, Suite 200
Los Angeles, CA 90010
213-381-2862 or 888-895-2467
www.lahs.org

You can direct any complaints and inquiries to Springside
Mortgage by referencing the “Contact Us” section on the first
page of this statement.
You have the right to file complaints about Springside Mortgage
with your state banking department.

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Insurance Requirements: The terms of your loan require that
you maintain homeowner’s insurance coverage not less than
the replacement value of your property. We suggest that you
consult your insurance company to determine these coverage
amounts. Flood Insurance is required for all properties located
in a Special Flood Hazard Area as designated by FEMA.
Policy Information: To protect our mutual interests, the
mortgage clause of your policy must include the following:
Springside Mortgage, its Successors and/or Assigns, Mortgage
Loan #____, P.O. Box 392, Springfield, OH 20932. If you pay
your own insurance, please ensure that you provide us with
your current insurance information by visiting our website at
www.mycoverageinfo.com. You may also mail or fax a copy of
the declaration page to our office (Fax # 1-877-495-4455).
Damaged Property: In the event of damage to your home,
notify your insurance agent. After the claim has been filed,
please contact us at 1-888-555-3434 so that we may guide you
through this process.
Loans with Tax Escrow: If your property taxes are paid from an
escrow account with us and you receive a tax bill, please
forward the bill immediately to the following address:
Springside Mortgage, P.O. Box 30944, Fort Worth, TX 39393.
Please be sure to write your loan number on the bill. It is no
longer necessary to forward paid tax receipts on non-escrow
accounts. For property-related tax questions please call 1-877555-4444.