Testing of Model Bankruptcy Periodic Forms for Mortgage Servicing

Springside Mortgage

Customer Service: 1-800-555-1234

www.springsidemortgage.com

Mortgage Statement

Statement Date: 3/20/2015

$351,569.29

Account Information
Outstanding Principal	$264,776.43
Interest Rate (Until October 2015)	4.75%
Prepayment Penalty	Yes

Our records reflect that you are presently a debtor in an active bankruptcy case or you previously received a discharge in bankruptcy. This statement is being sent to you for informational and compliance purposes only. It should not be construed as an attempt to collect a debt against you personally.

Explanation of Payment Amount
Principal	$386.46
Interest	$1,048.07
Escrow (Taxes and Insurance)	$235.18
Regular Monthly Payment	$1,669.71
Total Fees and Charges	$410.00
Unpaid past payments	$2,259.42
Total Payment Amount	$4,339.13

Bankruptcy Notice

Account Number	1234567
Payment Date	4/1/2015
Payment Amount	$4,339.13
If payment is received after 4/15/15, $160 late fee will be charged.

Payment Amount
Payment Date: Payment Amount:	4/1/2015 $4,339.13
Additional Principal	$ .
Additional Escrow	$ .
Total Amount Enclosed	$ .

If you are currently a party in a bankruptcy case and you choose to make a voluntary payment, detach and return bottom remittance portion with your payment. Make any checks payable to Springside Mortgage.

Transaction Activity (2/20 to 3/19)
Date	Description	Charges	Payments
3/13/15	Partial Payment Received*		$1,000.00
3/16/15	Late Fee (charged because full payment not received by 3/15/2015)	$160.00
3/19/15	Property Inspection Fee	$250.00

Past Payments Breakdown
	Paid Last Month		Paid Year to Date
Principal	$0.00	$383.31
Interest	$0.00	$1,051.22
Escrow (Taxes and Insurance)	$0.00	$235.18
Fees	$0.00	$410.00
Partial Payment (Unapplied)*	$1,000.00	$1,490.00
Total	$1,000.00	$3,569.71

Important Messages

*Partial Payments: Any partial payments that you make are not applied to your mortgage, but instead are held in a separate suspense account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage.

**Account History**

Your mortgage payments are not current. Failure to bring your loan current may result in fees and foreclosure—the loss of your home. As of March 20, you are 49 days delinquent on your mortgage loan.

Recent Account History

• Payment due 12/1/14: Fully paid on time

• Payment due 1/1/15: Fully paid on 2/3/15

• Payment due 2/1/15: Unpaid balance of $589.71

• Payment due 3/1/15: Unpaid balance of $2,079.71

• Current payment date 4/1/15: $1,669.71

• Total: $4,339.13 unpaid amounts.

If You Are Experiencing Financial Difficulty: See back for information about mortgage counseling or assistance.

Jordan and Dana Smith

4700 Jones Drive

Memphis, TN 38109

1234567 34571892 342359127 DN

Springside Mortgage

P.O. Box 11111

Los Angeles, CA 90010

Springside Mortgage