Specialized Loan Servicing, LLC

Initial Business Response / [redacted] (1000, 6, 2015/10/22) */ This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on October 9, and received by Specialized Loan Servicing LLC ("SLS") on October 12, regarding billing adjustment and payment for the above referenced mortgage account SLS is a third-party servicer contracted by the investor to service this account by the terms of the Note and Deed of Trust According to our records on September 15, our representative spoke with you regarding the $6,payment we received on May 5, They opened a research ticket with the prior servicer regarding the balance at the time of the service transfer for the uncollected interestAfter review with the prior servicer, the check in the amount of $6,came back as non-sufficient funds with the prior servicer and it was not reversed before it was service transferredOn March 5, we adjusted the account for this amountIn order to validate this check dated January 26, was cashed and was not return for non-sufficient funds; please provide the documentation needed in order to SLS to reviewAt this time, your account balance and payments are reflected correctlyNotes on your account indicate that the Executive Services Supervisor called you on September 17, and left a message of the status regarding this issueWe have enclosed a copy of the payment history and transaction codes for your records In researching this account, we have found no errorsYour client has the right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:a.muntil 6:p.mMT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT Initial Consumer Rebuttal / [redacted] (3000, 8, 2015/10/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) This response is absolutely incorrect and an another example of this companies manipulation and incorrect cashiering departmentIn February when SLS loan servicing took over the processing of these loans from Etrade Bank I had made a $payment to the principal and when they transferred the records they did not credit my $and those funds were not processedas they should not have been as I moved the funds back to Etrade for investment, not for payment on this loanAdditionally the issue in question is not only this poor handling of the $in February, but the $check that was sent in May and attached to the original complaint that they took my money and DID NOT apply it to my principal paymentI have talked to a dozen or so of unskilled, incapable people of processing the payment that was CASHED by SLS and not applied to my principal balance! I do not owe ANY interest or payment until March of and made this principal paydown of and additional $funds to reduce this loan and they have the entire account messed up! I have filed a complaint with the Attorney General in the State of Colorado and will pursue this company with legal action if you do not address this obvious error and erroneous actions by this sub par companyI will also be filing a complaint with the Attorney General against Etrade because of the handling of my original agreement was with them and they passed [redacted] accounts off to this fraudulent company! I cannot believe the response they sendIt is incorrect, wrong, and illegal was the information is completely incorrect Final Consumer Response / [redacted] (4200, 12, 2015/11/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is not true or correctI am filing a report with the attorney general and will continue to seek justice in the case of this companies cashing my check for $which I have a copy of and the mishandling of my money and this entire accountThe check was cashed by their cashiering department and NOT credited to the principal balance of my original loan with Etrade bankThis is fraud, manipulation and denial of the truthI am repulsed by this companies lack of ability to handle the processing, collecting and integrity of my account Final Business Response / [redacted] (4000, 14, 2015/11/10) */ This letter is in response to the rebuttal filed with the Denver Revdex.com ("Revdex.com") dated November 3, and received by Specialized Loan Servicing LLC ("SLS") on November 4, regarding issue for the above referenced mortgage account Our records reflect we responded to a similar inquiry with our response dated October 30, to a dispute filed with the Colorado Department of Law ("CODOL")A copy of the correspondence is enclosed for your reviewPlease see the response below: In accordance with the terms of the mortgage contract, "all payments received by Lender under the Note and paragraphs and hereof shall be applied by the Lender first in payment of amounts payable to Lender by Borrower under paragraph hereof, then to interest payable on the Note, and then to the principal of the Note." Interest is charged on the unpaid principal until the full amount of principal has been paidAt the time the payment for $6,was received by SLS, the account had accrued interest of $5,SLS was required by the contract to apply the payment first to interest then to principalAs such $5,was applied to interest and $was applied to principalThis application was completed with an effective date of 5/5/ Please note that SLS has complied with your requests for information in accordance with both state and federal lawAs such, we consider this matter resolvedIf you should have any additional questions concerning your loan, please contact our Customer Care Department In researching your account, we have found no errorsYou have a right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above If you have any questions regarding this information, please contact Customer Care toll free at 1-800- XXX-XXXX, Monday through Friday, 6:a.muntil 6:p.mMT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT

Initial Business Response / [redacted] (1000, 6, 2015/10/05) */ Dear [redacted] This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on September 20, and received by Specialized Loan Servicing LLC ("SLS") on September 22, regarding a Deed in Lieu of Foreclosure on the above-referenced mortgage account Our records indicate that the Deed in Lieu of Foreclosure was approved September 11, execution and recording of Deed in Lieu of Foreclosure agreement and property inspectionWe realize this may be a lengthy process; we are working diligently to assist youThank you for your patience while we complete the process The original title was ordered on December 26, and again on February 12, On May 18, we received clear title and were able to move forward with the remaining steps of the Deed in Lieu of Foreclosure We apologize for the frustration that you have experienced regarding this matterWe make concerted efforts both through our internal policies and through our direct interactions to ensure courteous, knowledgeable and expeditious handling of any servicing issues which may ariseWe handle all borrower comments or concerns with the utmost consideration, and we regret to hear you were dissatisfied with our servicing of your account In researching the account, we have found no errorsYou have a right to request the documents relied upon in reaching this determination by contacting us at the number below If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:a.muntil 6:p.mMT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMTYou may also contact your assigned Relationship Manager/Single Point of Contact (SPOC), [redacted] (Teller ID: XXXXX) by calling X-XXX-XXX-XXXXFinancial information and other documentation can be forwarded to your Relationship Manager/SPOC by mail, fax, or email as follows: P.OBox XXXXXX Littleton, CO XXXXX, Fax: X-XXX-XXX-XXXX, Email: [redacted] @sls.netPlease include the ten digit loan number on all correspondence Initial Consumer Rebuttal / [redacted] (3000, 8, 2015/10/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) It seems like as soon as I filed this compliant is when SLS decided to send me a letter and got the ball rollingIt's very hard to believe that it was a coincidenceWe'll see if this gets finished in a more timely manner but, based on history, I doubt it will Final Business Response / [redacted] (4000, 14, 2015/10/23) */ This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") on October 19, and received by Specialized Loan Servicing LLC ("SLS") on October 20, regarding the Deed in Lieu of Foreclosure for the above referenced mortgage account Our records indicate that we have previously responded to a similar request for information on October and October 15, We have enclosed copies of our letters for your recordsWe cannot escalate the foreclosure process; we must follow all federal and state regulations for the foreclosure proceedingsThe process for completing a Deed in Lieu on the account is still in process In researching your account, we have found no errorsYou have a right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:a.muntil 6:p.mMT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT Final Consumer Response / [redacted] (4200, 16, 2015/10/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) as soon as I get the final papers for the deed in lieu and it's all closed I will close this complaint Sincerely [redacted]

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on September 1, and received by Specialized Loan Servicing LLC (“SLS”) on September 1, regarding an incentive promotional offer for the above-referenced second mortgage account.Our records reflect you enrolled into our Automatic Clearing House (“ACH”) payments program on February 24, The letter for the promotional offer that was sent to you was dated March 7, toenroll in ACH by April 15, You enrolled in the ACH program prior to the promotional offer and thatis why you were informed that your account did not qualify for this offerAfter confirming that you havecompleted the three ACH payments and in good faith, we are making an exception to honor this requestand issue you the $gift cardAs of the date of this letter we are in the process of issuing you a giftcard which you will receive in the mail within days.In researching your account, we have found no errorsYou have a right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for your reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at [redacted] , Monday through Friday, 6:a.muntil 6:p.mMT or TDD [redacted] , Monday throughFriday, 8:a.muntil 5:p.mMT

This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") on December 9, and received by Specialized Loan Servicing LLC ("SLS") on December 10, regarding access to this account on the above referenced loan According to our enclosed letter dated November 27, 2015, we are still missing documentation to update this accountWe need the necessary documents related to the estateWe will need a certified death certificate dated November 24, Once we receive this documentation we can update our records and this account We have added [redacted] and you, [redacted] as Executor's of the estate and as authorized third parties on the accountBoth [redacted] and you will be able to receive and/or provide information concerning the above referenced account We have enclosed a payoff quote dated December 10, and we also faxed a payoff quote to [redacted] This quote expires on January 11, We apologize for the frustration that you have experienced regarding this matterWe strive to make concerted efforts both through our internal policies and through our direct interactions to ensure courteous, knowledgeable and expeditious handling of any servicing issues which may ariseWe handle all comments or concerns with the utmost consideration, and we regret to hear you were unsatisfied with our servicing of this account We are committed in assisting borrowers whom are having a financial hardshipPlease contact our Customer Resolution (CR) Department toll free [redacted] , Monday through Friday, 6:a.mto 9:p.mMTThe CR associate will require certain financial documentation in writing in order to determine what alternative payment option(s) may be available to youIt is crucial that you complete the worksheet and forward it along with any additional documentation required to the CR Department as quickly as possibleThe financial package is enclosed In researching this account, we have found no errorsYou have the right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above If you have any questions regarding this information, please contact Customer Care toll free at [redacted] , Monday through Friday, 6:a.muntil 6:p.mMT or TDD [redacted] , Monday through Friday, 8:a.muntil 5:p.mMT

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 Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 6, 2015/10/16) */ This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on October 5, and received by Specialized Loan Servicing LLC ("SLS") on October 6, regarding fees charged for the above-referenced second mortgage account After review of our records we have confirmed that an active Consumer Financial Protection Bureau, ("CFPB") complaint was in process at the time of our responseOur records indicate the CFPB review is being completed and a response will be addressed and sent to you regarding the fees and payments with the CFPB complaint In researching your account, we have found no errorsYou have a right to request the documents relied upon in reaching this determination by contacting us at the number below If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:a.muntil 6:p.mMT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT Initial Consumer Rebuttal / [redacted] (2000, 8, 2015/10/21) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 5, 2015/06/25) */ Dear [redacted] J [redacted] and [redacted] M [redacted] , This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on June 13, and received by Specialized Loan Servicing LLC ("SLS") on June 16, regarding taxes on the above-referenced mortgage account Our records indicate that you also submitted a correspondence to the Consumer Financial Protection Bureau ("CFPB") with regards to this loan which was received by SLS on June 16, The responses for both requests received will be sent under separate cover In researching your account, we have found no errorsYou have a right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:a.muntil 6:p.mMT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT Complaint Response Date bumped because: Holiday Initial Consumer Rebuttal / [redacted] (3000, 8, 2015/07/11) */ Their response is absurdOf course there are errorsThe issue is not resolvedThey offer no resolution or a time frame on resolutionWhat else do I need to do? Final Business Response / [redacted] (4000, 10, 2015/07/17) */ Dear [redacted] J [redacted] and [redacted] M [redacted] , This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on June 13, and received by Specialized Loan Servicing LLC ("SLS") on June 16, regarding taxes for the above-referenced mortgage account Our records indicate that we have previously responded to a similar request with our correspondences dated June 25, and July 1, Copies of these letters are enclosed for your reviewPlease note that Specialized Loan Servicing LLC ("SLS") has complied with your requests for information in accordance with both state and federal lawAs such, we consider this matter resolvedIf you should have any additional questions concerning your loan, please contact our Customer Care Department In researching your account, we have found no errorsYou have a right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:a.muntil 6:p.mMT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT

I believe I had sent an attachment stating my reasons on yesterday's email but here it is in a nutshell: After receiving an email from Revdex.com with SLS's explanation I still had not heard from them on a one on one basis I have specifically told them time and again that I work "in the field" and therefore my cell phone number was given as my point of contact number I have not received one phone call from them nor have I heard from my assigned "teller." Whenever I call I am told, via recording, that my teller is helping other people and to arrange for a call back, a call back that never is returned I now call and speak to the next available teller and that seems to work but as of yesterday when I called them myself, my problem is still there I submit all the paperwork as required, I submit "letters of explanation" as required and I submit necessary documents, as required and still, I receive complete packages in the mail like the whole process is starting over I spoke to a nice gentleman yesterday and he helped greatly, he was to call me by end of day and as of this morning I have still heard nothing As I stated in my initial complaint, this Company seems like a complete sham, yet they are collecting my Interest like there's no tomorrow I am completely fed up with this company and I wish there was some kind of legal recourse I could take againt them

This letter is in response to a rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on October 13, and received by Specialized Loan Servicing LLC (“SLS”) onNovember 15, regarding the application of escrow funds to the required payoff on the abovereferenced mortgage account.Our records indicate that we have previously responded to a similar request regarding the application ofescrow funds to the required payoff on October and October 19, We have enclosed theseletters for your records.On November 14, 2016, we paid Orange County for taxes due in the amount of $4,This accountis currently escrowed for homeowner’s insurance and property taxesThe current balance as the date ofthis letter in the escrow account is $2,We spoke with you on November 10, regarding yourinquiry of the payoff quote and explained the amounts listedSince we have completed the tax paymentprior to the last conversation, we requested and updated payoff quoteWe enclosed a copy of theupdated payoff quote that was issued on November 18, that expires on December 19, with atotal amount due of $497,We have enclosed a copy of the payment history with the transactioncodes for your recordsIf we determine there are overpayments after the loan has been paid in full, wewill request a refund that would be sent to you.In researching your account, we have found no errorsYou have the right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for your reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at [redacted] , Monday through Friday, 6:a.muntil 6:p.mMT or TDD [redacted] Monday throughFriday, 8:a.muntil 5:p.mMT

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on November 21, and received by Specialized Loan Servicing LLC (“SLS”) on November 22, regarding payments on the above-referenced second mortgage account.This account service transferred to SLS on September 28, We verified the payment with the priorservicer CitiFinancial in the amount of $On November 29, 2016, we made an administrativeadjustment due to the September 26, payment being made with the prior servicer to bring your loancurrentThis account is currently due for January 3, in the amount of $We apologize for thefrustration that you have experienced regarding this matterWe strive to make concerted efforts boththrough our internal policies and through our direct interactions to ensure courteous, knowledgeable andexpeditious handling of any servicing issues which may ariseWe handle all borrower comments orconcerns with the utmost considerationWe have enclosed a copy of the payment history with thetransaction codes for your records.If you have any questions regarding this information, please contact Customer Care toll free at [redacted] , Monday through Friday, 6:a.muntil 6:p.mMT or TDD [redacted] , Monday throughFriday, 8:a.muntil 5:p.mMT

This letter is in response to a rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on October 13, and received by Specialized Loan Servicing LLC (“SLS”) on December 9, regarding a refund for the above referenced mortgage account.Our records indicate that we have previously responded to a similar request regarding the application ofescrow funds to the required payoff on October 18, October 19, November 22, and December 6, 2016.We have enclosed these letters for your records.This account was paid off on November 21, The account reflects a zero ($0.00) principal balance.We issued you a refund in the amount of $10,072.43, check number [redacted] on December 6, forthe overpayment of the accountPlease allow business days to receive this checkIf you have notreceived the check within this time frame, please contact SLS to verify the status.In researching your account, we have found no errorsYou have the right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for your reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at [redacted] , Monday through Friday, 6:a.muntil 6:p.mMT or TDD [redacted] , Monday throughFriday, 8:a.muntil 5:p.mMT

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on August 19, and received by Specialized Loan Servicing LLC ("SLS") on August 20, regarding account information and refinancing for the above-referenced mortgage accountA copy of the complaint is enclosed for your review SLS is the current servicer of your clients' mortgage loan [redacted] (the "Loan"), which was transferred to SLS for servicing on April 1, SLS is a third party servicer, contracted by the investor to service this loan per the terms of the original loan documents The correspondence we received disputed the validity of the debt associated with the LoanFor your records please find, enclosed, the following documentation: Copy of the Promissory Note Copy of the Deed of Trust SLS' Payment History and transaction codes The original and current holder of your cleints' mortgage loan is as follows: Original Creditor: Security American Mortgage Company [redacted] Current Creditor: U.SROF III Legal Title Trust 2015-1, by U.SBank National Association, as Legal Title Trustee [redacted] SLS is the servicer of the loan on behalf of the investor; correspondences made with the investor will be handled by SLS All requests for any agreements other than those to which your clients are a party are beyond the scope of a Qualified Written Request and accordingly are not being provided We are not authorized to alter or amend any condition of the original loan agreement, such as removing a co-borrower, from the NoteIn order to remove a name from the Note, this account would need to be refinancedSLS is not a financial institution and is unable to complete refinancingEven a Quit Claim Deed naming only one of your clients as responsible for the account would not alter the original loan documentsTherefore, this account remains under their names even if there an existing agreement between the borrowers and the court that one party would be responsible for the property and the paymentsHowever, other loss mitigation options may be availablePlease complete the enclosed financial package and return it with the required supporting documentation if your clients wish to be reviewed for any available programs Our enclosed letter dated July 17, reflects that we denied a request for a modification because we did not receive the specific documents needed in the time frame requested for review We are committed in assisting borrowers whom are having a financial hardshipPlease contact our Customer Resolution (CR) Department toll free ###-###-####, Monday through Friday, 6:a.mto 9:p.mMTThe CR associate will require certain financial documentation in writing in order to determine what alternative payment option(s) may be available to your clientsIt is crucial that your clients complete the worksheet and forward it along with any additional documentation required to the CR Department as quickly as possibleThe financial package is enclosed Our records indicate that this loan is in the foreclosure process; however no sale date has been set In researching your clients' account, we have found no errorsYou have a right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above If you should have any additional questions or concerns which SLS has not already addressed, please submit such inquiry in writing to: Specialized Loan Servicing LLC, You may also contact Customer Care toll free at ###-###-####, Monday through Friday, 6:a.muntil 6:p.m., MT or TDD ###-###-####, Monday through Friday, 8:a.muntil 5:p.m., MT

HelloThis is incorrect and not accurate As of the moment this claim was posted, your company was showing us months behind, simply because you posted a Dec payment in the wrong place When I tried to correct it with phones, I was told it could not be corrected, because it was over days It was your error, not mine the payment was on time Finally however, someone in your office, has corrected it and we made the payments You took days to post the payment and in that time we occurred in interest and so we were short again, by cents, again without a statement, your office gave us the amount that was needed to bring it current, since the BK was discharged and the reaffirmation was accepted So now we have payment in the process of being reserved again and as I today, I am not convinced it has been corrected I will say, however, your staff has been very pleasant to deal with and I will close this as settled, once I confirmed all is well now Complaint: [redacted] I am rejecting this response because: Sincerely, [redacted]

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on February 25, and received by Specialized Loan Servicing LLC ("SLS") on February 26, regarding payments on the above-referenced second mortgage accountThis account service transferred to SLS on December 1, The account is currently due for the May 1, contractual monthly payment of $SLS does not accept partial paymentsIn order to avoid posting funds in a manner not consistent with your wishes please send payments in the full amount billedWe sent a breach letter dated February 16, that your account was due for the January 1, payment and you needed to complete a payment by February 16, Since you did not pay the arrears by this date, you were not able to complete partial payments, as we required the full amount of $Our records reflect on February 27, we received a payment of $that brought your account current and paid through February We have enclosed a copy of the payment history along with our transaction codes for your review and recordsThe [redacted] fees can be avoided using our automated telephone system or website, provided the payment is arranged before the due date, or up to days past the due date, otherwise there is a charge of $for the [redacted] Fees at the time an automated phone payment or payment via our website is completedAlso, borrowers may send payments via the United States Postal Service with no additional fee however mailed payments must be received before the end of the grace period to avoid any late feeThe payments on this account are due on the first of each month with a day grace periodPayments received after that time may be assessed a late feeIf you are interested in loss mitigation options please find a copy of our Request for Mortgage Assistance application enclosed for your reviewWe have researched your account and our records indicate that the payments described in your dispute were not in errorWe trust that we have responded to your concernsYou have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below, but please note that SLS has already enclosed them for your referenceIf you have any questions regarding this information, please contact Customer Care toll free at [redacted] , Monday through Friday, 6:a.muntil 6:p.mMTSLS accepts calls from relay services on behalf of hearing impaired borrowers

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on November 22, and received by Specialized Loan Servicing LLC ("SLS") on November 22, regarding funds for an insurance claim on the above-referenced mortgage accountAccording to our records, you have filed a similar dispute with the Consumer Financial Protection Bureau ("CFPB") that was received on November 21, Both complaints will be addressed in the response to the CFPBIf you have any questions regarding this information, please contact Customer Care toll free at 1-800- 315-4757, Monday through Friday, 6:a.muntil 6:p.mMTSLS accepts calls from relay services on behalf of hearing impaired borrowers

This letter is in response to your dispute filed with the Denver Revdex.com (“Revdex.com”) onNovember 6, and received by Specialized Loan Servicing LLC (“SLS”) on November 7, 2016regarding the foreclosure and loan modification and on the above-referenced mortgage account.According to our records your Chapter Bankruptcy was discharged on January 31, SLS isobligated under federal bankruptcy law to comply with the requirements of the Automatic StayThisinformation is provided in response to your request and does not constitute a demand for payment.On November 16, the foreclosure sale on this property was rescindedOn November 8, wereceived your final trial payment in the amount of $As you have completed making all three trialmodification payments, we are in the process of completing a permanent loan modification offer on thisaccountOnce a decision has been reached or any additional information is needed you will be notified ofthe resultsPlease accept our apologies for any inconvenience this has caused.We have enclosed a copy of a payoff quote issued on November 7, This quote will expire onDecember 2, We have also enclosed a copy of the payment history and transaction codes for yourrecords.In researching this account, we have found no errorsYou have a right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for your reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at [redacted] , Monday through Friday, 6:a.muntil 6:p.mMT or TDD [redacted] , Monday throughFriday, 8:a.muntil 5:p.mMTFinancial information and other documentation can be forwarded bymail, fax, or email as follows: [redacted] ***, Fax: [redacted] , Email: [redacted] Please include the ten-digit loan number on all correspondence

Complaint: [redacted] I am rejecting this response because: SLS has lied to me so many times, I won't believe anything until I know the County Recorder has received it They had previously told me that the lien release had been sent and it wasn't So, if they got this right, I will be overwhelmingly surprised I'm crossing my fingers that all systems are go and they did indeed send the proper paperwork but as I stated before: SLS has lied so many times before, how can I trust them? Sincerely, [redacted] ***

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) onNovember 3, and received by Specialized Loan Servicing LLC (“SLS”) on November 4, 2016regarding documents on a loan modification for the above-referenced mortgage account.We received your Request for Mortgage Assistance (“RMA”) on October 1, and it is under review.Our enclosed October 25, letter indicated we were still missing documentation needed to completethe loan modification reviewAt the time the letter was sent we were missing the following:· A 4506-T completed correctly with line (as 1040) and line should be December 31, (12/31/14) and December 31, (12/31/15) and document signed and datedBe sure tocheck the box above the signature to accept the 4506-T.· We still need recent days of consecutive paystubs showing the employer name, pay frequency and year to date income.· We need a recent Social Security award letter or recent two full months of bank statements marking the bank deposits.We have received additional information since that time, and it appears we have received all necessarydocumentsThese documents are being reviewed for thoroughness and accuracy, as based onunderwriting standardsIf further documentation or clarity on the current documentation is needed, youwill be notified separately.Though requests for documentation may seem redundant, your investor may ask for current or morecomprehensive financial information at any timeThis is in addition to information that may haveappeared complete previouslyAdditionally, documents may be invalid due to their not being signed, ornot being completed correctlySLS is committed to helping during financial hardship; however, certainunderwriting standards must be met before we are able to complete a review for loss mitigation.In researching your account, we have found no errorsYou have the right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for their reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at [redacted] , Monday through Friday, 6:a.muntil 6:p.mMT or TDD ###-###-####, Monday throughFriday, 8:a.muntil 5:p.mMTYou may also contact your assigned Relationship Manager/Singlepoint of Contact (SPOC), [redacted] (Teller ID: ***) by calling ###-###-####Financial information andother documentation can be forwarded to your Relationship Manager/SPOC by mail, fax, or email asfollows: [redacted] ***, Fax: ###-###-####, Email: [redacted] Pleaseinclude the ten-digit loan number on all correspondence

Initial Business Response / [redacted] (1000, 6, 2015/06/04) */ This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on May 26, and received by Specialized Loan Servicing LLC ("SLS") on May 27, regarding a loan modification with the prior servicer for the above referenced mortgage account This account service transferred to SLS on March 16, After review of this account, we have honored the loan modification with SunTrust Mortgage and we have confirmed that two of the three trial payments were receivedThe last payment of $is due on or before June 1, Once the final trial payment is completed we will review for a final decision to complete the loan modification In compliance with the laws set forth by the state of North Carolina, enclosed is the following information: This account is currently due for the February 1, payment in the amount of $1,and each payment that has become due thereafter The current principal balance due is in the amount of $92, There is $being held in a suspense account The escrow balance as of today is $1, Note holder contact information: [redacted] Drive Mclean, VA XXXXX 1-800- [redacted] Enclosed is a copy of your signed loan modification agreement completed in February as well as your payment history for the above referenced loanWe have reached out to the prior servicer for a copy of the Note which we fill forward to you under separate cover once receivedSLS is the servicer on behalf of the Note holder correspondences made with the Note holder will be handled by SLS In researching your account, we have found no errorsYou have a right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:a.muntil 6:p.mMT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMTYou may also contact your assigned Relationship Manager/Single Point of Contact (SPOC), [redacted] (Teller ID: XXXXX) by calling X-XXX-XXX-XXXXFinancial information and other documentation can be forwarded to your Relationship Manager/SPOC by mail, fax, or email as follows: P.OBox XXXXXX Littleton, CO XXXXX, Fax: X-XXX-XXX-XXXX, Email: [redacted] @sls.netPlease include the ten-digit loan number on all correspondence Initial Consumer Rebuttal / [redacted] (2000, 8, 2015/06/05) */ (The consumer indicated he/she ACCEPTED the response from the business.) As long as SLS honors the program SunTrust agreed to I am satisfied

This letter is in response to the case filed with the Denver Revdex.com (“Revdex.com”) on November12, and received by Specialized Loan Servicing LLC (“SLS”) on November 14, regardingpayments for the above referenced second mortgage account.We show that we received the death certificates for George Montwill and Gail Montwill on September 12,We have updated our recordsWe currently reflect a principal balance of $27,and thisaccount is contractually due for October 1, in the amount of $and for each payment that hasbecome due thereafterThis is currently an unsecured loan and we have not received any informationthat the second loan had foreclosedIn order to review the status on this account, we will needforeclosure documents, a Form 1099-C, lien release, and/or other legal documentation that reflects thatthe property was foreclosed upon in to also include the junior lienOnce we receive these legaldocuments, we can then further review this requestYou can also reqeuest information for a shortnegotiated payoffOur records show that the Automatic Clearing House (“ACH”) payments werecancelled on October 19, Enclosed is the payment history from SLS along with our transactioncodes for your records.We have added [redacted] as an authorized third party on the account, you will be able to receiveand/or provide information concerning the above referenced account.In compliance with the laws set forth by the state of Washington, included is the following information:? This account is currently due for the October 1, payment in the amount of $and foreach payment that has become due thereafter.? The current principal balance due is in the amount of $27,This is not a payoff quote.? There are no funds being held in the suspense account.? There is no escrow account on this second mortgage.Note holder contact information:U.SBank National Association, as Trustee for Terwin Mortgage Trust 2005-5SL, Asset-BackedCertificates, Series 2005-5SL [redacted] ***SLS is the servicer on behalf of the Note holder correspondences made with the Note holder will behandled by SLS.In researching your account, we have found no errorsYou have the right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for your reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at [redacted] , Monday through Friday, 6:a.muntil 6:p.mMT or TDD [redacted] , Monday throughFriday, 8:a.muntil 5:p.mMT