Independent Foreclosure Review Important Notice: Your loan may be eligible for an Independent Foreclosure Review that may result in compensation or other remedy. Please respond by . f: ;t . Loan Number: . Reference Number: . it i PropertyAddress: 1" I I - you have more than one mortgage account that meets the initial critertafor' an independent review, you will receive a separate notice for each. Yau will need to submit a separate Request or Review Form for each account. You are receiving this notice because the above property is or was active in the foreclosure process between January 1, 2009 and December 31, 2010. Si usted habla espanol, tenemos representantes que pueden asistirle en su idioma_ The Board of Governors of the Federal Reserve System and the Ofnce of the Comptroller of the Currency (federal bank regulators) have required an Independent Foreclosure Review to identify customers who may have been iinancially injured as a result of errors, misrepresentations, or other deficiencies made during the foreclosure process. . r; 'fs records indicate that your loan may meet the initial criteria: Your mortgage loan was active in the foreclosure process between January 1, 2009 and December 31, 2010. The property was your primary residence. If you believe that you may have been financially injured, you may submit a Request for Review Form for an Independent Foreclosure Review by a consultant outside of The Independent Foreclosure Review will not have an impact on your credit report or any other options you may pursue related to your foreclosure. If you filed a complaint about the foreclosure process prior to this independent review, you are still eligible to submit a Request for Review Form. The Review Process Step 1: Review the enclosed Request for Review Form. The form describes examples of situations that may have led to financial injury during the foreclosure process. Step 2: After reviewing the form, if you believe you may have been financially injured, complete and submit a Request for Review Form describing your situation. Return the completed form using the enclosed prepaid envelope by April 30, 2012. You will be sent an acknowledgement letter within one week after your request is received. Step 3: Your request will be evaluated to confirm eligibility for the Independent Foreclosure Review. If your request meets the eligibility requirements, it will be reviewed by an independent consultant. Step 4: Your request will be reviewed to determine if financial injury occurred because of errors, misrepresentations, or other deficiencies in the foreclosure process. l" #vit rj will provide relevant documents along with any findings and recommendations related to your request for review to the independent consultant for review. may be asked to clarify or confirm facts and disclose reasons for events that occurred related to the foreclosure process. You could be asked to provide additional information or documentation. Because the review process will be a thorough and complete examination of many details and documents, the review could take several months. The Independent Foreclosure Review will determine if financial injury occurred as a result of errors, misrepresentations, or other deficiencies in the foreclosure process. You will receive a letter with the findings of the review and information about possible compensation or other remedy. Your Request for Review Form must be postmarked no later than April 30, 2012. To find answers to your questions about the review process as vrell as information to help you complete the Request for Review Form, visit or call Monday through Friday, a.m.-X p.m. ET or Saturday, a.m.-X p.m. ET. If you are currently represented by an attorney at law with respect to a foreclosure or bankruptcy case regarding this mortgage, please refer this letter to your attorney. This notice is being sent at the direction of federal bank regulators and does not constitute an attempt to collect a debt or to impose personal liability for any obligation, including, without limitation, any obligation that was discharged, or is subject to an automatic stay in bankruptcy under Title 11 of the United States Code. Esta informacion es precisa a la fecha de impresion esta sujeta a cambios sin previo aviso. Tenga en cuenta que el restc de la correspondencia, documentos legales notas aclaratorias le seran suministrados en ingl?s. Le recomendamos que obtenga los servicios de un interprete independiente para que le ayude segun sus necesidades. This information is accurate as of date of printing and is subject to change without notice. All other communications, legal documents and disclosures will be provided to you ln English. We recommend that you obtain the services of an independent third party interpreter to assist you as needed. Consent Order Details Pursuant to enforcement actions issued on April 13, 2011, .l signed a consent order with the Office ofthe Comptroller of the Currency (OCC), the Office of Thrift Supervision (OTS) (independent bureaus ofthe U.S. Department of the Treasury), or the Board of Governors ofthe Federal Fleserve System. As part of this order, the mortgage sen/icer has hired an independent consultant to independently review certain residential foreclosure actions regarding individual borrowers. i . . or their affiliate must make all reasonable efforts to contact potentially affected customers to alert them of their opportunity to have their foreclosure action reviewed. The review will assess whether the customer incurred financial injury and should receive compensation or other remedy due to errors, misrepresentations, or other deficiencies in the foreclosure process during the period 1/1/2009 to 12/31/2010.