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Customer ServiceMonday - ThursdayFridaySaturday

1-800-848-9380

8 a.m. - midnight (ET)8 a.m. - 10 p.m. (ET)8 a.m. - 5 p.m. (ET)

1-800-582-0542Deaf or Hard of Hearing (TTY)

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LANCE R CASSINOP.O.B.1050CONIFER CO 8043313883 S WAMBLEE VALLEY RDCONIFER CO 80433

Mortgage Loan StatementLoan NumberStatement DateProperty Address

102233812703/31/2015

13883 S Wamblee Valley RdConifer, CO 80433

Total Amount Due $83,180.99Payment Due Date 04101/2015A late charge of $46.69 may apply if received after04/16/2015.

Loan Overview (as of 03/31/2015)Original Principal BalanceUnpaid Principal Balance

Interest RateEscrow Balance

Corporate Advance Balance

$200,000.00$185,465.53

5.75000%($13,938.75)

$1,985.57

Explanation of Amount DuePrincipal

InterestEscrow Payment (Taxes and/or Insurance)

$358.75$808.40$357.17

Monthly Payment $1,524.32

Prior Fees/Charges $100.00

$0.00Past Payments Breakdown FeeS/Charges Since Last Statement

Principal

Interest

Total

Paid Since Last Statement Paid Year-to-Date

$0.00 $0.00$0.00 $0.00

Original Missed Payment Date

Past Due Amount

11/01/2010

$81,556.67

$0.00 $0.00Total Amount Due $83,180.99

Transaction Activity Since Your Last statement (lncludes Fees/Charges)Transaction Date Description Total Received Principal Interest Escrow Fees Unapplied Funds

01/30/2015 COUNTY TAX PAID $877.11

Important MessagesThe Corporate Advance Balance can include expenses for inspections, home valuations, legal fees, property maintenance and other costs. It is listedunder the Loan Overview section.

If your mortgage loan servicing transferred to Chase this year, and you would like to see your previous payment history, please call the number at thetop of this statement.

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Servicemember Protections: You may be entitled to certain legal rights and protections if you or any owner or occupant of your home are orrecently were on active duty or active service as a federal or state Military Servicemember, or if you're a dependent of such a Servicemember. Formore information, please call us at 1-877-469-0110, 1-318-340-3308 if you're calling from overseas, or 1-800-582-0542 for TTY services.

If you receive or expect to receive an insurance claim check for damages to your home, you can visit chase.comllnsuranceClaim for informationabout our claim process. If you have any questions, please call us at 1-866-742-1461 Monday through Friday from 8 a.m. to midnight and Saturdayfrom 8 a.m. to 8 p.m. Eastern Time.

Please detach and return the bottom portion of this statement with your payment using the enclosed envelope. ••

00010223381273 313000 00152432 00157101 08318099 00001

CHASE0D Check box if address change is

documented on the back.

1022338127$83,180.9904/01/2015

Please tell us how youwant us 10 apply yourfunds. Make your check ormoney order payable toChase and write your loannumber on it. Please donot send post-datedchecks or cash.

Monthly Payment $($1,524.32)

LANCE R CASSINOLoan NumberTotal Amount DuePayment Due Date

Late Charges $($0.00)

$Fees Due($100.00)

Additional Principal $111111111111"1111111111111111111111111111111111111111111111I1111CHASEPO BOX 78420PHOENIX AZ 85062-8420

Additional Escrow $Total Amount Enclosed $ ,

A late charge of $46.69 may apply if received after 04/16/2015.

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Contact InformationCustomer Service InquiriesChaseP.O. Box 24696Columbus, OH 43224-0696

Insurance Claim CorrespondenceChaseP.O. Box 621539Atlanta, GA 30362Telephone: 1-866-742-1461Fax: 1-678-475-8899

Overnight PayoffsChaseAttn: Dept. PP-74563415 Vision DriveColumbus, OH 43219-6009

Exclusive Address for Noticesof Error, Information Requests,and Qualified Written RequestsChaseP.O. Box 183166Columbus, OH 43218-3166

Insurance Policies & BillsChaseP.O. Box 100564Florence, SC 29502-0564Telephone: 1-877-530-8951Fax: 1-678-475-8799

Overnight PaymentChase6716 Grade LaneBuilding 9, Suite 910Alln: p,O, Box 9001871Louisville, KY 40213-1407

Pennsylvania Tax BillsChaseP.O. Box 961227Fort Worth, TX 76161-0227Telephone: 1-877-314-6353All other states: Do not send us your tax bill

-- ~--",--0~ r-,__ 0- •...~g~'"--0--0- .•--~--0-~=;;;;;;;;;;;;;;;;0-Please note that you may update your

homeowners or flood insurance informationonline at mycoverageinfo.com. When youare prompted, please use PIN NumberCM156.

--You have the right to dispute the accuracy of the credit information reportedby writing to us at the Customer Service Inquiries address listed above. Wemay report information about your account to credit bureaus. Late payments,missed payments, or other defaults on your account may be reflected in yourcredit report.

Payment InformationThere are multiple ways you can make your monthly payment:

• Automatic payments - Sign up at chase.com and choose any day up tothe 16th for your payment to be withdrawn each month. '

• Chase Online Bill Pay - Log on to chase.com, then go to the"Payments and Transfers" tab to schedule a payment with no servicecharge.Pay by phone - Call 1-800-848-9136 to use our free automated serviceand authorize a one-time deduction from your bank account.

•

• By mail or in person - Mail your payment or stop by any Chase branch.Remember to include the payment coupon from your statement.

'For loans with a 15·day grace period.

If you do not make your mortgage payment on time or request services fromChase, you may be charged fees. Those fees may include those shown inyour loan documents, provided by law, or related to the services provided.The fee structure may change without notice except where prohibited by law.Chase commonly imposes an Insufficient Funds Fee of $25.00. Other feesmay be charged for services provided. Fees may not be applicable to certainproducts and may be limited by law.

Loan Payoff InformationThe principal balance on your statement is not a payoff quote. Payoff quotesare available online at chase.com. Log on to your mortgage account andselect the "Request a Payoff Quote" link from your Account Details page. Youmay also call the Customer Service number on the front of your statement torequest a quote through our 24-hour automated system.

Important Bankruptcy Inf~o-,-,rm~a~ti70.::..:n,-;----:-__ ---;:__ --:-;-_If you or your account is subject to pending bankruptcy proceedings, or if youreceived a bankruptcy discharge, this statement is for informational purposesonly and is not an attempt to collect a debt.

112LENDER ©2014 JPMorgan Chase & Co. JPMorgan Chase Bank, N.A. Member FDIC.

This communication is an attempt tocollect a debt and any informationobtained will be used for that purpose. ----

Important Mortgage Insurance Information (MIP)If your FHA loan was originated on or after January 1, 2001 and has anFHA Case Number Assignment Date BEFORE June 3, 2013, you maybe eligible for the waiver of your mortgage insurance premium (MIP)when the loan-to-value (LTV = loan amounVvalue of collateral) ratioreaches 78 percent of the original value, based on your originalamortization schedule of the loan.

Homeowner AssistanceYou can call the U.S. Department of Housing and Urban Development at1-800-569-4287 or the U.S. Department of the Treasury-sponsoredHOPE Hotline Number at 1-888-995-HOPE; 1-888-995-4673 and ask forMHA Help to get free assistance, or visit HopeNow.com. You can alsofind a nonprofit HUD-approved counselor who can provide theinformation and assistance you may need to avoid foreclosure by usingthe search tool at hud.gov/officeslhsglsfhlhcc/fc/.

Crediting of PaymentsPayments will be credited as of the day we receive them if the paymentis received by 5:00 p.m. in the time zone in which the mailing address onyour payment coupon is located and if (a) the payment is receivedMonday through Saturday except for legal holidays, (b) the payment isreceived at the address shown on your payment coupon, (c) yourpayment is made with a check or money order drawn on a U.S. bank inU.S. dollars, (d) the attached payment coupon is enclosed with yourpayment, and (e) your payment is sent in the enclosed return envelope.Credit for payments made in any other manner may be delayed for up tofive (5) business days. Please allow five to seven (5-7) days forpayments to reach the payment address. Please do ngt send cashthrough the mail. Please include your account number and name on thefront of your check or money order. Do not staple, tape or paper clipyour payment to your payment coupon. If you want to change how weapplied your payment to your mortgage loan, we must receive yourrequest within 60 days of the payment date.

---- ----- -------------Has your mailing address or phone number changed?

iiso, please update your information online at chase.com, where you can alSoview your recent account activity. Atternatlvely, you may check the box on the front of thispayment coupon and fill in the correct information below.

When you give us your mobile phone number, we have your permission to contact you at that number about all your Chase or J.P. Morgan accounts. Your consent allowsus to use text messaging, artificial or prerecorded voice messages and automatic dialing technology for informationaland account service calls, but not for telemarketing orsales calls. It may include contact from companiesworking on our behalf to service your accounts. Message and data rates may apply. You may contact us anytime tochange these preferences.

BorrowerName Borrower Cell Phone

BorrowerName Borrower Cell Phone

Street Address Home Phone

StreetAddress Business Phone

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Federal ECOA NoticeThe federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, nationalorigin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract), because all or part of the applicant'sincome derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer CreditProtection Act. The federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau,1700 G Street N.w., Washington, DC 20006.

Important Notice to Servicemembers and Their DependentsIf you, or any occupant of your home, are or recently were on active duty or active service, you may be eligible for benefits and protections under thefederal Servicemembers Civil Relief Act (SCRA). This includes protection from foreclosure or eviction. You may also be eligible for benefits andprotections under state law or Chase policy. SCRA and state Military benefits and protections also may be available if you are the dependent of aneligible Servicemember.Eligible service may include:

• Active duty with the Army, Navy, Air Force, Marine Corps, or Coast Guard, or Active service as a commissioned officer of the NationalOceanic and Atmospheric Administration, or

• Active service as a commissioned officer of the Public Health Service, or• Service with the forces of a nation with which the United States is allied in a war or Military action, or• Service with the National Guard of a state Militia under a state call of duty, or• Any period when you are absent from duty because of sickness, wounds, leave or other lawful cause

For more information, please call Chase Military Services at 1-877-469-0110.

Important Notice for Unemployed HomeownersIf you are having trouble making your monthly mortgage payments, we may be able to help. The Unemployment Program is designed to help you stayin your home.

If you are eligible for the program, we will offer you a grace period. During this time, we will delay some or all of your monthly payments to give youtime to improve your financial situation. These payments will be due at the end of the grace period.

The grace period is temporary. It lasts for a set number of months or until you find employment, whichever comes first. We will review your mortgage30 days before the grace period ends to see if you are eligible for a loan modification. Even if you are not eligible for a modification, we may have otherassistance options available to help you keep your home. Please call us at the telephone number listed on the first page of the statement.

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