PROCORPSA

[redacted] [redacted] [redacted] Date: September 18, 2015 Account: [redacted] Regarding Your Credit Card Account Dear [redacted]: We received a copy of your rebuttal complaint filed with the Revdex.com, concerning your Fifth Third Bank credit card. We appreciate the time you have taken to bring this matter to our attention. I appreciate you providing a copy of the Real Life Reward promotion for 8,000 reward points. I forwarded a copy to our Bankcard Department for further research, and a total of 8,000 reward points have been credited to your credit card account ending in [redacted]. We strive to ensure that we properly process Real Life Reward promotions. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. We believe your issue was resolved accordingly, and I hope that this letter will meet your satisfaction. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J. Office of the President Pc: Revdex.com

[redacted] [redacted] [redacted] Date: October 23, 2015 Account: [redacted] Regarding Equity FlexLine Account for [redacted] Dear [redacted]: We received a copy of your follow up complaint submitted to the Revdex.com, regarding your Power Of Attorney (POA) for [redacted] Equity FlexLine account. We appreciate the time you have taken to document additional your thoughts and concerns regarding this matter. Although you state that your mother does not remember revoking your POA, we were provided with a letter bearing [redacted] signature that revoked your POA effective March 17, 2015. Therefore, we are not able to share any details with you concerning your mother’s Equity FlexLine or recent address changes made on her behalf. If you are able to provide us with updated documentation showing you as POA, we would be more than happy to assist you at that time. In addition, at Fifth Third Bank we are committed to doing what is right for our customers and this commitment includes our fair and responsible lending practices. On September 28, 2015, Fifth Third Bank entered into an agreement with the government to settle two consumer protection matters. These matters impacted a limited number of customers, many of whom have already been reimbursed. Please be assured that Fifth Third Bank has put safeguards in place to avoid future issues. However, we are unable to provide you with any details regarding the settlement at this time. [redacted], we apologize for any inconvenience this situation may have caused you. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S. Office of the President

[redacted] Attn: [redacted] [redacted] [redacted] Date: February 8, 2018 Account: [redacted] Regarding Your Fifth Third Business Standard Checking Account Dear [redacted]: We received a copy of your complaint...

recently filed with the Revdex.com regarding your Fifth Third Business Standard Checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or hardship this matter may have caused you. When you opened your Fifth Third Business Standard Checking account ending in [redacted] on November 17, 2016, we were running a promotional campaign for customers opening a new Fifth Third Business Standard Checking account. The business checking account offer was in effect for accounts opened between October 1, 2016, and December 31, 2016; in this time period new customers would receive a $400.00 cash bonus. The qualifying activities for this offer were a $50.00 deposit transaction, a $5,000.00 average balance was maintained in the account, and that five (5) debit [redacted] transactions had to post to your account within the first sixty (60) days of the account opening. Additionally, this offer limited customers to one new account-related gift incentive per calendar year, and was not available to existing checking account holders. Please be assured that we have researched this issue fully, and have found that you do not qualify for the $400.00 cash bonus. Our research determined that the Fifth Third Business Standard Checking account ending in [redacted] was opened during the promotional time period; however the five (5) debit [redacted] transactions posted to the account after the period of the first sixty (60) days of the account opening. I am sorry for any misunderstanding that occurred. Additionally, your comments expressing less than quality service you received are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. [redacted], I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S. Office of the President Pc: Revdex.com Enclosure: Fifth Third Business Standard Checking Account Statement sent January 31, 2017

[redacted] 
[redacted] 
[redacted] Date: October 5, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding the service you received...

when attempting to file a dispute on your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Our top priority is to provide our customers with outstanding service. At Fifth Third Bank, we are continuously evaluating the service we provide to our customers. Your comments expressing less than quality service are very concerning. Please be assured that we take your feedback very seriously and the relevant parties have been contacted to express your dissatisfaction with the service you received. Our Customer Service Professionals strive to provide professional and accurate service to each and every customer they assist throughout the day. I am sorry if your recent experience did not meet the same high standard and we do not expect this will be your experience in the future. We have confirmed that a dispute was filed on September 29, 2015, for the debit card purchase of $163.33 from [redacted]. We immediately began our investigation and on September 29, 2015, your checking account was given provisional credit of $163.33 while we continue to research the dispute. If the dispute is found to be in your favor, the provisional credit will remain in your checking account. However, if the dispute is denied, the $163.33 credit will be removed from your account. You will receive notification from our Disputes Department as soon as their investigation is finalized. Please be assured that it was not our intention to cause you any frustration and we regret to hear that you may want to close out your accounts. You are a valued customer and we sincerely hope you will reconsider this decision. Please know that we value your opinion and we hope that you will continue using Fifth Third Bank for your financial needs in the future. If I may be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####. Sincerely, Lisa S. Office of the President Pc: Revdex.com

Good afternoon,We received the rebuttal sent by [redacted] regarding our response to her complaint. We determined we addressed her concerns already in our prior responses and there will be no further changes. For this reason, we will not be submitting an additional response to her rebuttal complaint. Please close the complaint.Thank you, Shawna H.

[redacted] Date: August 11, 2015 Account:         [redacted] Regarding Your Essential checking Account Dear [redacted]: We received a copy of your complaint recently filed with the Better Business...

Bureau, concerning the dispute you filed for an ATM deposit at the [redacted] Banking Center. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns. On May 8, 2015, we began a dispute investigation when you informed us that of the $500.00 you deposited into the ATM, we returned $100.00 to you and informed you that the remaining $400.00 was a security risk. We also provided provisional credit for the $400.00 while we investigated the disputed transaction. Unfortunately, the dispute was not found in your favor, because the ATM in question was in balance after your deposit. Therefore, on June 16, 2015, we removed the provisional credit of $400.00 that we had previously credited to your account. Although we denied your initial claim, we have given the matter careful consideration and have decided to credit your account for the disputed deposit. As a courtesy to you and as a gesture of our appreciation of your relationship with the Bank, we posted a $400.00 credit to your checking account ending in [redacted] on August 10, 2015. This credit is a permanent credit and our investigation is complete. I can assure you that it was not our intention to cause you any undue hardship and we sympathize with the difficulties you have encountered. On behalf of the Bank, please accept my sincere apology for any inconvenience this matter may have caused you. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer C.Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I still think the bank should address the problems internally as well to ensure other customers don't have the same sub-par experience that we encountered. I do appreciate the steps they took with our loan after the complaint was made. I hope that our contractor and I have a pleasant experience with Fifth Third during the 6-9 months of construction. 
Thank you so much for your help in getting this matter resolved. 
[redacted]

[redacted]Date: July 29, 2015 Account: [redacted]Regarding Your Installment LoanDear [redacted]:We received a copy of your complaint filed with the Revdex.com regarding your installment loan account. We appreciate the time you...

have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter.It is my understanding that you have spoken directly to Jeremy H., Recovery Collections Manager, regarding the title for your vehicle. We determined that your vehicle’s original title, of which the Bank only possessed one (1) original copy, was sent to you on July 22, 2009. The title was sent to the address that was on file at that time of [redacted]. Because we already sent you the one (1) original title that we held, we do not have another title to send to you. At this time, the only option available to the Bank is to send a release of lien letter to you, which you can then take to the state to request a duplicate title. I confirmed that you called the Bank on July 6, 2015, and requested we send your title. You provided us with an updated address of [redacted] and the request was submitted. However, because we previously mailed the title, we could only send you a lien release letter. Our records indicate that a lien release was sent to you on July 8, 2015. However, it is my understanding that you did not receive it.We determined that the original title was mailed to you and that no Bank error occurred at that time in 2009. However, we understand that you requested a title multiple times and that various Bank personnel advised they would have one (1) sent to you when in fact, we no longer possessed the title to send. I am very sorry for the distress and inconvenience this situation has caused you. We strive to provide accurate and professional service, and I regret that was not your experience. In the interest of customer service, Mr. H. emailed a copy of the certified lien release to you. He also sent a lien release to you via overnight mail. He included a $95.00 check to cover the cost of obtaining a duplicate title from the state. We confirmed per the United Parcel Service (UPS) tracking number that the lien release and check were delivered on July 24, 2015, at 9:47 a.m. If this was not the case, please contact me directly using the phone number listed below. Please contact me directly if you did not receive the letter and check.Please be assured that your concerns regarding the customer service you received and the information that was provided to you have been forwarded to the relevant Bank personnel. I am sorry for your negative experience with the Bank. We appreciate your feedback as it assists us in identifying problems and to continuously improve the level of service we provide to our customers. However, I cannot inform you of specific internal corrective actions that may be taken.We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,Shawna T. Office of the PresidentPc: Revdex.com

[redacted] [redacted] [redacted] Date: October 20, 2017 Account: [redacted] Account: [redacted] Regarding Your Essential Checking Accounts Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau concerning your Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. As you are already aware, on August 14, 2017, you received a $7,500.00 credit from the Bank for the [redacted] Pay transactions that you disputed on your Essential Checking account ending in 1098. On October 4, 2017, our Disputes Resolution Department sent a letter explaining that your case was approved and that the credit issued on August 14, 2017, is final. A copy of the letter sent on October 4, 2017, is enclosed for your review and convenience. Additionally, on September 19, 2017, you received a credit from the Bank for the [redacted] Pay transaction that you disputed on your Essential Checking account ending in [redacted]. On September 19, 2017, our Disputes Resolution Department sent a letter explaining that your case was approved and that the credit issued on September 19, 2017, is final. A copy of the letter sent on September 19, 2017, is enclosed for your review and convenience. Thank you for speaking with me regarding this matter on September 28, 2017. At that time, you expressed your concern regarding the security of [redacted] Pay. We are continually improving our services and processes, and have updated our [redacted] authentication requirements to prevent unknown individuals from accessing your Fifth Third Bank account even if they have gained access to your personal email information. [redacted] Pay cannot be utilized without first logging into our website with a specific User ID and Password. The [redacted] Pay transactions in question did not alert our Fraud Department as being potentially fraudulent transactions because the individual who accessed your account information on our website at 53.com, did so by using your Internet Banking User ID and password. The Bank had no way of knowing that the [redacted] Pay transactions were not initiated by you. Per your request, and as you are already aware, [redacted] Pay has been disabled from your online banking profile so that it cannot be used. Please also accept my sincere apologies of for the level of service you received when you previously contacted the Bank regarding this matter. We strive to provide professional and accurate service to our customers and we regret if this has not been your experience. [redacted], you are valued customer of the Bank and I appreciate this opportunity to respond to your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosure: Letter Dated October 4, 2017 Letter Dated September 19, 2017

[redacted] Date: December 22, 2017 Regarding [redacted] Transactions at Fifth Third Bank Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your recent experience. We...

appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties at the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. Although Fifth Third Bank offers [redacted] services in many of our banking centers, not every employee in our banking centers may have access to the [redacted] system at all times; therefore, there may be times when there is not an employee present who can assist with [redacted] transactions. Additionally, there may be occasionally system issues preventing [redacted] transactions from being initiated. As part of my research into your concerns, I contacted our [redacted] Banking Center. I confirmed that, when you called the [redacted] Banking Center on December 9, 2017, the employee with whom you spoke explained to you that they could assist you with a [redacted] transaction. When the employee told you that they could assist you with a [redacted] transaction, that employee was not aware that there was no employee present who had access to the [redacted] system. I also confirmed that steps are being taken to ensure that every employee of the [redacted] Banking Center has access to the [redacted] system, so that the issue you experienced does not happen again. As part of my research into this matter, I also contacted our [redacted] Banking Center. I confirmed that, when you called the [redacted] Banking Center on December 9, 2017, the employee with whom you spoke explained to you that they could not assist you with a [redacted] transaction. This is only because, while there were several employees with access to the [redacted] system, there was an issue with the Western [redacted] system, which prevented [redacted] transactions from being initiated on that day. The system access issues have since been resolved. We strive to provide accurate and professional service to our customer and we regret if that has not been your experience. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President

[redacted] Date: October 15, 2015 Account: [redacted] Regarding Your [redacted] Debit Card Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com. We appreciate the time you have...

taken to document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns. Thank you for notifying us of your complaint. We strive to provide you with the best possible service, and when you feel that it fails to meet your expectations, it’s important for us to know. We’re sorry that you received service that prompted you to contact the Revdex.com with a complaint, and we regret any inconvenience or frustration that your experience has caused you. From your complaint, it is clear we did not meet your expectations. I am truly sorry we disappointed you. I have shared the information you brought to our attention with the management of the department you contacted. Additionally, our senior management regularly reviews customer feedback as part of our ongoing commitment to improving our operations. When a customer contacts the Bank, we expect each situation will be handled in a professional manner. I apologize that this was not what happened when you initially contacted us and we expect that this will not be the case in the future. Your patronage is important to us and we hope that you’ll continue to give us opportunities to serve you. [redacted], thank you for speaking with me on October 8, 2015, about your experience with our call center agent. As we discussed in our phone conversation, the Fraud Department was attempting to contact you because of suspicious activity on the debit card ending in [redacted], which is in Karen [redacted] name and is connected to your joint checking account. Once they were able to verify that the pre-authorization with [redacted] in [redacted], was valid, they were able to remove the block on her card that was placed on September 28, 2015. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We value all of our customers and any feedback that is provided. Please feel free to contact me personally to discuss any concerns that you may have in the future. We look forward to continuing our relationship with you and hope that we can serve you once again. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer C. Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  
I understand the difference between the two programs. My complaint is with the confusion and lack of clarity. Also, I was never given the option to choose which benefits I wished to retain during the switchover in 2014. This response is not acceptable to me, nor will I continue to be a customer of this institution as a result. 
Regards,
[redacted]

Please close this complaint, I do not wish to continue further. It is clear that Fifth Third Bank is sticking to their extortion policies involving overdraft fees. Their policies are nothing more than fabricated BS, with no true ethic value nor substance.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  .
The original response by this business was to send me all the statements that they had never sent in the past.  This is not acceptable to provide me with 3 years of statements outlining draft charges when they were not sending them all along.Their entire argument is based upon the fact that draft charges are valid if the savings account is not accompanied by a checking account.  I had a checking account and they closed it.  I was not provided notice of this account being closed.My offer on resolution to this company was to allow them to keep slightly more than 2/3 of the draft charges and to refund me the original $50 I used to open the account which would have been valued at thirty-two (32) cents on the dollar.The office of the president has deemed that it will be worth the trouble for them to stand by their decision of refunding me seven (7) cents on the dollar on charges that don't equate any actual hard cost to the business.It's funny that they keep responding how valuable I am as a customer, when I am no longer a customer, and they steal money from me.  I guess it does make me valuable when they take 93% of my money.I warned that failure to meet my minimum resolution request will result in further complaints, bad publicity, and possible litigation.  Apparently it is worth it to them to fight it over $39 when they could have refunded that amount and still come out ahead by $106.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  
Regards,
[redacted]

[redacted] [redacted] [redacted] [redacted] Date: March 9, 2018 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning...

your checking account. We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We have completed a review of your account ending in [redacted]. On March 5, 2018, we reversed a portion of the monthly service charge in the amount of $2.63. Following this reversal, your account was brought to a zero (0) balance. As of March 5, 2018, the account has been closed and you no longer have any open or active accounts with us. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M.Office of the President Pc: Revdex.com

Hello: We believe we have addressed the customer’s concerns in our two (2) prior responses. She has provided no new information in her complaint. We will not be sending another written response, unless the customer can provide new details to her complaint. Thanks.  Pat SucherCustomer Care Team SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOPCincinnati, OH 45263

We will not be sending another response to this customer since we consider this matter closed and we do not have any additional information for the customer regarding her complaint. All issues have been previously addressed.Thanks,Adam P.Consumer Resolution SpecialistFifth Third Bank | Office of the President5050 Kingsley Dr.MD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### | Fax: ###-###-####Email: [redacted]

[redacted] [redacted] [redacted] Date: August 19, 2016 Regarding Your Recent Mortgage Loan Application Dear [redacted]: We received a copy of the complaint you filed with the Consumer Financial Protection Bureau and the Better...

Business Bureau, regarding your recent mortgage loan applications. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service from our employees is extremely concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience the application process may have caused you. Please be assured that the senior management in your region has been informed of your dissatisfaction with the service you received. We strive to provide professional and accurate information to all of our customers, and we regret if all the service you received did not meet the same high standard. On July 13, 2016, the Bank received your telephone application for a mortgage loan. The mortgage loan originator that accepted your application was Andrew M.. Please find enclosed a copy of the Fifth Third Bank Mortgage Loan Pricing Agreement and Prepayment of Settlement Costs Policy that you signed and returned to the Bank on July 18, 2016. Specifically, on page two (2) the section titled Prepayment of Settlement Costs Policy, which states: An application fee will be charged in connection with your loan application. When applying for a residential mortgage loan a loan application fee is due. This application fee does not represent a pre-payment of specific closing costs. It does, however, represent a pre-payment of a portion of the total settlement costs. Assuming your loan application is approved, this prepayment of settlement costs will be applied towards your total costs due at closing your transaction. If your application is not approved, is withdrawn, or is approved and does not close, you will NOT be entitled to a refund of any fees paid including but not limited to the application fee and long term rate lock fee. Rate and Point Float Lock $350.00 Application fee is due upon your receipt of the Initial Loan Estimate and your expressed intent to proceed with the application when applying for a mortgage loan. Only one application fee will be charged for any one mortgage loan application. For your records we have enclosed the Mortgage Loan Pricing Agreement, Loan Estimate, your signed Notice of Intent to Proceed dated July 18, 2016, as well as the commitment letter mailed to you on July 26, 2016. Upon review of your complaint, Fifth Third has determined that the fact that the application fee was not refundable was disclosed and this fee will not be refunded as explained in the Pricing Agreement. [redacted], thank you for your patience while waiting for a response. It was certainly not our intention to cause you any hardship or frustration. If I could be of further assistance to you, please call me at 513-358-2985, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely Patrick S.Office of the President PC: Consumer Financial Protection Bureau, Revdex.com Enclosures: Settlement of Costs letter, Loan Estimate, Intent to Proceed, Commitment letter

[redacted] Date: September 30, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your complaint filed with the Revdex.com regarding your mortgage loan account. We...

appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. We researched your account and determined that you are not required to maintain Federal Housing Administration (FHA) insurance for the life of your loan. I am very sorry for any incorrect information you may have received. We strive to provide accurate and professional service, and I regret that was not your experience. Please be assured that this situation has been forwarded to the relevant Bank personnel. Please note that you must meet two (2) requirements in order to have FHA insurance removed from your loan. The outstanding principal balance must be seventy-eight percent (78%) of the original purchase price or appraised value, whichever is lower. Additionally, you must have paid FHA insurance premiums for at least five (5) years. While you have paid FHA insurance for five (5) years, your loan to value (LTV) ratio as of September 23, 2015, based on the $158,900.00 purchase price is ninety point zero seven percent (90.07%). For this reason, we are unable to remove FHA insurance from your account at this time. I am sorry for any distress this may cause you. Through the normal amortization of your loan, the FHA insurance will be removed automatically in August 2020. If your LTV reaches seventy-eight percent (78%) before then, you can request to remove FHA insurance at that time. Enclosed for your reference is a copy of the signed disclosure that explains when you can remove the FHA insurance. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna T. Office of the President Pc: Revdex.com Enclosure: FHA Disclosure