Preview
FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017
NYSCEF DOC. NO. 41 RECEIVED NYSCEF: 12/22/2020
EXHIBIT 1
FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017
NYSCEF
SPSRL
DOC. NO. 41 RECEIVED NYSCEF: 12/22/2020
P.O. Box 65250
SaltLake City,UT 84165
Date: 09/27/2012 Re: SPS Loan Number 3439
__ PropertyAddress: URSINA RD
ST ALBANS, NY 11434
sm
WALTER MCDOWELL
17726 URSINA RD
JAMAICANY 11434
Dear Customer
We are pleasedto informyouthat theservicingof your1st lien
mortgage loan willbe transferred
from Bank Of America N A to
SelectPortfolioServicing,Inc.(SPS)effective10/01/2012.
Here are a fewimportantpointsthatwill help youunderstand how this
transfermay affectyou:
8 Your prior servicerwill your mortgage payments after09/30/2012.
stop accepting
' allpayments must be remitted toSPS.
Beginning 10/01/2012,
S You can expect tobegin statements from SPS within thenext few weeks. Ifyou do not receivea
receivingmonthly
statement priorto your next due date,please includethe attached temporary compon with your payment Be
certaintoreference your new SPS loan number, as set forth
above, on your check.
' Ifyou have mailed your payment to yourprior servicerand itis receivedafter itwillbe
already 10/01/2012,
forwarded to SPS for processing.
' Ifyour prior servicer drafts your payment from your bank that servicewillcease and
automatically =onth'y account,
you will have to provideSPS with a completed Authorization for Withdrawal and Direct Payment form (enclosed).
The completed authorization may takeup to45 days toprocess. We willnotify you when the directwithdrawal will
commence. Until you receivethat notice,you must remit any payments that come due.
' Ifyou were provided mortgage orother types ofoptional insurance through your
life,
disability prior servicer,these
serviceswillnot be continued. Ifyou wish to continue theseservices,you must contact your private insurer.
= Please callyour insurance agent within 15 days torequest that themortgagee on your insurance be changed to
policy
read "SelectPortfolioServicing, Inc.,itssuccessorsand/or assigns".
' This transfer doesnot affect terms orconditions of yourloan documents other than terms related to the
any directly
servicingof yourloan.
Ifyou have any gasaticñarelatedto the
transferofservicingfrom your prior please
servicer, contacttheirCustomer Service
Department at 1-800-669-6607. The mailingaddress foryour priorserviceris as follows:PO Box 5170, SimiValley, CA 93062.
Ifyou have any questionsregardingyour loanon or after
10/01/2012, pleasecontactthe SPS Customer ServiceDepartment at
1-800-258-8602 from 7 a.m.to 8 p.m.Eastern Time, Monday throughFriday; andSaturday from 8 a.m.to 12 p.m.Eastern Time.
You may alsoaccess youraccount informationonlineat www.spservicing.com.
Ifyou wish to send a written
requestaboutyour account or dispute
any of theinformationon this=tate=ent,pleasedo not includeit
with yourmonthly payment. Allwritten requestsmust be sentto theaddresslistedbelow for as this
Di:¡::'::":qui-ca, is our
exclusiveaddress forprocessingthese matters.Ifyou send yourrequest or dispute
to any otheraddress,it maynotbe processed in
accordance withour Customer Service Timelines.
Important Mailing General Correspondence Payment Remittance Disputes/Inquires
Addresses: P.O. Box 65250 P.O. Box 65450 P.O. Box 65277
SaltLake City, UT 84165 SaltLake City, UT 84165 SaltLake City, UT 84165
Pleaseinclude your loan number on allcorrespondence.
NY RESIDENTS: SPS is registeredwith theNew York Banking Department. You may filecomplaints or obtain further
information from theDepueguabashinestileg.tirenBepartment's Consumer Help Unit at 1-877-BANK-NYS or by visitingthe
Department's website at
Esta cartacontieneinformacion i¡apartâate
conearnia.tte
a sus derechos.Por favor,
hágala traducir.
Nuestros reprea=tantes
bilinguesestána su di-p-ici6npara contestarc-Ada pregunta "--'- al tel6fono
1-800-258-8602 y marque la opci6n2.
SelectPortfolio
Servicing,Inc.
WALTER MCDOWELL
177 26 URSINA RD
Loan No. 3439
Payment Amount
Add"-2-na! Amount
SELECT PORTFOLIO SERVICING, INC.
PO BOX 65450
SALT LAKE CITY UT 84165-0450
Total _A_met Enclosed
II.,l..I.,lmil.Ile!:!:!!
a!n!.!.I.11...,l.I.11.....I.11
Changeof addressor :Ã phor,s? Ifso, checkhere and notechangeson back.
2771 143'I 00157853 00157853 2
FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017
NYSCEF DOC. NO. 41 RECEIVED NYSCEF: 12/22/2020
NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS
YOU ARE HEREBY NOTIFIED THAT THE SERVICING OF YOUR LOAN, THAT IS, THE RIGHT TO COLLECT
PAYMENTS FROM YOU, ISBEING ASSIGNED, SOLD OR TRANSFERRED FROM BANK OF AMERICA N A
TO SELECT PORTFOLIO SERVICING, INC. EFFECTIVE 10/01/2012. THE ASSIGNMENT, SALE OR
TRANSFER OF THE SERVICING OF THE MORTGAGE LOAN DOES NOT AFFECT ANY TERM OR
CONDITION OF THE MORTGAGE INSTRUMENTS, OTHER THAN THE TERMS DIRECTLY RELATED TO
THE SERVICING OF YOUR LOAN.
EXCEPT IN LIMITED CIRCUMSTANCES, THE LAW REQUIRES THAT YOUR PRESENT SERVICER SEND
YOU A NOTICE AT LEAST 15 DAYS BEFORE THE EFFECTIVE DATE OF TRANSFER OR AT CLOSING.
YOUR NEW SERVICER MUST ALSO SEND YOU A NOTICE NO LATER THAN 15 DAYS AFTER THE
EFFECTIVE DATE OR AT CLOSING.
YOU SHOULD ALSO BE AWARE OF THE FOLLOWING INFORMATION, PURSUANT TO SECTION 6 OF THE
REAL ESTATE SETTLEMENT PROCEDURES ACT (RESPA) (12 U.S.C. SECTION 2605):
DURING THE 60-DAY PERIOD FOLLOWING THE EFFECTIVE DATE OF THE TRANSFER OF THE LOAN
SERVICING, A LOAN PAYMENT RECEIVED BY YOUR OLD SERVICER BEFORE ITS DUE DATE MAY NOT
BE TREATED BY THE NEW LOAN SERVICER AS LATE, AND A LATE FEE MAY NOT BE IMPOSED ON
YOU.
SECTION 6 OF RESPA (12U.S.C. 2605) GIVES YOU CERTAIN CONSUMER RIGHTS. IF YOU SEND A
REQUEST"
"QUALIFIED WRITTEN TO YOUR LOAN SERVICER CONCERNING THE SERVICING OF YOUR
LOAN, YOUR SERVICER MUST PROVIDE YOU WITH A WRITTEN ACKNOWLEDGEMENT WITHIN 5
REQUEST"
BUSINESS DAYS OF RECEIPT OF YOUR REQUEST. A "QUALIFIED WRITTEN IS A WRITTEN
CORRESPONDENCE, OTHER THAN NOTICE ON A PAYMENT COUPON OR OTHER PAYMENT MEDIUM
SUPPLIED BY THE SERVICER, WHICH INCLUDES YOUR NAME AND ACCOUNT NUMBER, AND YOUR
REASONS FOR THE REQUEST. NOT MORE THAN 30 BUSINESS DAYS AFTER RECEIVING YOUR
REQUEST, YOUR SERVICER MUST MAKE ANY APPROPRIATE CORRECTIONS TO YOUR ACCOUNT, AND
MUST PROVIDE YOU WITH A WRITTEN CLARIFICATION REGARDING ANY BUSINESS DISPUTE. A 15
DAY EXTENSION IS PERMITTED IFTHE SERVICER NOTIFIES YOU BEFORE THE END OF THE 30 DAY
PERIOD AND PROVIDES THE REASON FOR THE DELAY IN RESPONDING. DURING THIS 30 BUSINESS
DAY PERIOD, YOUR SERVICER MAY NOT PROVIDE INFORMATION TO A CONSUMER REPORTING
AGENCY CONCERNING ANY OVERDUE PAYMENT RELATED TO SUCH PERIOD OR QUALIFIED
WRITTEN REQUEST. HOWEVER, THIS DOES NOT PREVENT THE SERVICER FROM INITIATING
FORECLOSURE IF PROPER GROUNDS EXIST UNDER THE MORTGAGE DOCUMENTS.
A BUSINESS DAY IS A DAY ON WHICH THE OFFICES OF THE BUSINESS ENTITY ARE OPEN TO THE
PUBLIC FOR CARRYING ON SUBSTANTIALLY ALL OF ITS BUSINESS FUNCTIONS.
SECTION 6 OF RESPA ALSO PROVIDES FOR DAMAGES AND COSTS FOR INDIVIDUALS OR CLASSES OF
INDIVIDUALS IN CIRCUMSTANCES WHERE SERVICERS ARE SHOWN TO HAVE VIOLATED THE
REQUIREMENTS OF THAT SECTION. YOU SHOULD SEEK LEGAL ADVICE IFYOU BELIEVE YOUR
RIGHTS HAVE BEEN VIOLATED.
IF YOU HAVE FILED BANKRUPTCY OR HAVE BEEN DISCHARGED IN BANKRUPTCY, PLEASE BE
ADVISED THAT THIS STATEMENT DOES NOT REPRESENT AND ISNOT INTENDED TO BE A DEMAND
FOR PAYMENT. THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY. YOU SHOULD CONTACT
LEGAL COUNSEL REGARDING YOUR OBLIGATION, IFANY, TO PAY ON THE MORTGAGE LOAN.
Esta carta leinforma que el serviciode su préstamo de hipoteca está siendo transferido a SelectPortfolio Servicing,Inc.
Varios aspectos importantes de su préstamo corriente pueden cambiarse durante y después de esteproceso. Por favor
lláme a nuestro representante de información en
y reclaiiiacieties español alnumero de telefonoindicado para hablar de
estos cambios y cualquierpregunta que usted pueda tener.
FEDERAL FAIR CREDIT REPORTING ACT/ THE FACT ACT
We may report information about your account to creditbureaus. Late payments, missed payments, or otherdefaults on
your account may be reflectedin your creditscore.
IMPORTANT NOTICE CONCERNING PRIVATE MORTGAGE INSURANCE
Ifyour residentialmortgage loan has private mortgage insurance (PMI), which isseparate and distinctfrom
Homeowners or insurance,
liability federal or statelaw may give you the right tocancel this insurance under some
circumstances. Please contact our Customer Service Department for more liifeiiliation.
AFFILIATE BUSINESS DISCLOSURE
Please note that SelectPortfolio Servicing, Inc.may utilizean affiliatedcompany to perform financial servicesrelated
to your loan account and thatSelect Portfolio Servicing,Inc., and/or the affiliated
company may receive a financial
benefit of
as a result such relationship.
HAS YOUR ADDRESS CHANGED? IF SO, PLEASE COMPLETE THIS FORM
Mailing Address
City . . State ZIP
Home Phone . .Rusiness Phone
All Borrowers'Signatures
RecisiredFor AddressChange
Borrower's Signature Co-Borrower's
Signature
FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017
NYSCEF DOC. NO. 41 RECEIVED NYSCEF: INJ277629940D
12/22/2020
FEE SCHEDULE
The following isa listof fees and charges that,subject to applicable law, or the documents evidencing your loan,
may be imposed inconnection with the servicing of your loan. Please note that the fees listed below are subject
to change from time to time.
Refer to loan Fee charged for failure to make a regular monthly payment on
Late Fee
documents time. State law may dictate the fee amount.
Fee charged when a payment by check is retumed as not paid
Up to $25.00 by your bank because of insufficientfunds in the checking
ec Fee
account.
Interest that we may be permitted to charge under the loan
Generally, calculated
ocumen s amoun we ay qu e o ay on
Interest on Advance at the interest rate
related costs and expenses.
Please referto loan Your loan documents may require you to pay an additional fee
Prepayment Fee
documents if you pay offyour loan early.
Fee charged if youare in default and we can not make contact
Inspection $9.60 - $19.99
Property
with you to determine the condition of the property.
Broker Price Opinion Fee charged for determining the value and condition of the
$89 00 - $195.00
(BPO) property when loan payments are past due.
Fee charged for appraisal used to determine the value and
Appraisal Fees $195.00 - $450.00
condition of the property.
e c ge b he relevant county/town for recording the
Recording Fee unty/ own
schedule
Fee paid to a third party charged at payoff for preparing the
Release Fee Up to$45.00
release of mortgage.
Fees and costs associated with protection of collateral.
Foreclosure Attorney This fee and cost will
Foreclosure attorney fees and costs will vary by filingtype and
Fees and Costs vary
are limited to the actual fees and costs.
Fees and costs associated with preserving obligation.
Bankruptcy Attorney This fee and cost will
Bankruptcy attomey fees and costs willvary by bankruptcy
Fees and Costs vary Chapter type and are limited to actual fees and costs.
Property
Costs
Preservation
TNs fW m Fees
each
required
situation
to
and
preserve
required
the property.
expenses.
Will vary according to
The fees shown below willbe imposed for services that you request. You willbe asked to agree to pay these
charges at the time you request the service.
Fee charged for making a payment by phone or internet. (Also
Check by Phone Up to $15.00
known as EZ Pay)
Actual Charge Actual charge from delivery service provider (such as UPS or
Express Mail Fee
Incurred FedEx) for expedited delivery of documents.
This Fee Schedule does not contain allfees that may be charged forservices rañdérad. Please note that
Select Portfolio Semiciñg, Inc.may utilize an stilliãtad company to penctm scrvices related to your loan
account and that Select Portfolio SGwiciñg, Inc. and/or the em!!sted company may recâivs financial
benefit as a result of such relationship.
Revised December 2011
Preview
FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017 NYSCEF DOC. NO. 41 RECEIVED NYSCEF: 12/22/2020 EXHIBIT 1 FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017 NYSCEF SPSRL DOC. NO. 41 RECEIVED NYSCEF: 12/22/2020 P.O. Box 65250 SaltLake City,UT 84165 Date: 09/27/2012 Re: SPS Loan Number 3439 __ PropertyAddress: URSINA RD ST ALBANS, NY 11434 sm WALTER MCDOWELL 17726 URSINA RD JAMAICANY 11434 Dear Customer We are pleasedto informyouthat theservicingof your1st lien mortgage loan willbe transferred from Bank Of America N A to SelectPortfolioServicing,Inc.(SPS)effective10/01/2012. Here are a fewimportantpointsthatwill help youunderstand how this transfermay affectyou: 8 Your prior servicerwill your mortgage payments after09/30/2012. stop accepting ' allpayments must be remitted toSPS. Beginning 10/01/2012, S You can expect tobegin statements from SPS within thenext few weeks. Ifyou do not receivea receivingmonthly statement priorto your next due date,please includethe attached temporary compon with your payment Be certaintoreference your new SPS loan number, as set forth above, on your check. ' Ifyou have mailed your payment to yourprior servicerand itis receivedafter itwillbe already 10/01/2012, forwarded to SPS for processing. ' Ifyour prior servicer drafts your payment from your bank that servicewillcease and automatically =onth'y account, you will have to provideSPS with a completed Authorization for Withdrawal and Direct Payment form (enclosed). The completed authorization may takeup to45 days toprocess. We willnotify you when the directwithdrawal will commence. Until you receivethat notice,you must remit any payments that come due. ' Ifyou were provided mortgage orother types ofoptional insurance through your life, disability prior servicer,these serviceswillnot be continued. Ifyou wish to continue theseservices,you must contact your private insurer. = Please callyour insurance agent within 15 days torequest that themortgagee on your insurance be changed to policy read "SelectPortfolioServicing, Inc.,itssuccessorsand/or assigns". ' This transfer doesnot affect terms orconditions of yourloan documents other than terms related to the any directly servicingof yourloan. Ifyou have any gasaticñarelatedto the transferofservicingfrom your prior please servicer, contacttheirCustomer Service Department at 1-800-669-6607. The mailingaddress foryour priorserviceris as follows:PO Box 5170, SimiValley, CA 93062. Ifyou have any questionsregardingyour loanon or after 10/01/2012, pleasecontactthe SPS Customer ServiceDepartment at 1-800-258-8602 from 7 a.m.to 8 p.m.Eastern Time, Monday throughFriday; andSaturday from 8 a.m.to 12 p.m.Eastern Time. You may alsoaccess youraccount informationonlineat www.spservicing.com. Ifyou wish to send a written requestaboutyour account or dispute any of theinformationon this=tate=ent,pleasedo not includeit with yourmonthly payment. Allwritten requestsmust be sentto theaddresslistedbelow for as this Di:¡::'::":qui-ca, is our exclusiveaddress forprocessingthese matters.Ifyou send yourrequest or dispute to any otheraddress,it maynotbe processed in accordance withour Customer Service Timelines. Important Mailing General Correspondence Payment Remittance Disputes/Inquires Addresses: P.O. Box 65250 P.O. Box 65450 P.O. Box 65277 SaltLake City, UT 84165 SaltLake City, UT 84165 SaltLake City, UT 84165 Pleaseinclude your loan number on allcorrespondence. NY RESIDENTS: SPS is registeredwith theNew York Banking Department. You may filecomplaints or obtain further information from theDepueguabashinestileg.tirenBepartment's Consumer Help Unit at 1-877-BANK-NYS or by visitingthe Department's website at Esta cartacontieneinformacion i¡apartâate conearnia.tte a sus derechos.Por favor, hágala traducir. Nuestros reprea=tantes bilinguesestána su di-p-ici6npara contestarc-Ada pregunta "--'- al tel6fono 1-800-258-8602 y marque la opci6n2. SelectPortfolio Servicing,Inc. WALTER MCDOWELL 177 26 URSINA RD Loan No. 3439 Payment Amount Add"-2-na! Amount SELECT PORTFOLIO SERVICING, INC. PO BOX 65450 SALT LAKE CITY UT 84165-0450 Total _A_met Enclosed II.,l..I.,lmil.Ile!:!:!! a!n!.!.I.11...,l.I.11.....I.11 Changeof addressor :à phor,s? Ifso, checkhere and notechangeson back. 2771 143'I 00157853 00157853 2 FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017 NYSCEF DOC. NO. 41 RECEIVED NYSCEF: 12/22/2020 NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS YOU ARE HEREBY NOTIFIED THAT THE SERVICING OF YOUR LOAN, THAT IS, THE RIGHT TO COLLECT PAYMENTS FROM YOU, ISBEING ASSIGNED, SOLD OR TRANSFERRED FROM BANK OF AMERICA N A TO SELECT PORTFOLIO SERVICING, INC. EFFECTIVE 10/01/2012. THE ASSIGNMENT, SALE OR TRANSFER OF THE SERVICING OF THE MORTGAGE LOAN DOES NOT AFFECT ANY TERM OR CONDITION OF THE MORTGAGE INSTRUMENTS, OTHER THAN THE TERMS DIRECTLY RELATED TO THE SERVICING OF YOUR LOAN. EXCEPT IN LIMITED CIRCUMSTANCES, THE LAW REQUIRES THAT YOUR PRESENT SERVICER SEND YOU A NOTICE AT LEAST 15 DAYS BEFORE THE EFFECTIVE DATE OF TRANSFER OR AT CLOSING. YOUR NEW SERVICER MUST ALSO SEND YOU A NOTICE NO LATER THAN 15 DAYS AFTER THE EFFECTIVE DATE OR AT CLOSING. YOU SHOULD ALSO BE AWARE OF THE FOLLOWING INFORMATION, PURSUANT TO SECTION 6 OF THE REAL ESTATE SETTLEMENT PROCEDURES ACT (RESPA) (12 U.S.C. SECTION 2605): DURING THE 60-DAY PERIOD FOLLOWING THE EFFECTIVE DATE OF THE TRANSFER OF THE LOAN SERVICING, A LOAN PAYMENT RECEIVED BY YOUR OLD SERVICER BEFORE ITS DUE DATE MAY NOT BE TREATED BY THE NEW LOAN SERVICER AS LATE, AND A LATE FEE MAY NOT BE IMPOSED ON YOU. SECTION 6 OF RESPA (12U.S.C. 2605) GIVES YOU CERTAIN CONSUMER RIGHTS. IF YOU SEND A REQUEST" "QUALIFIED WRITTEN TO YOUR LOAN SERVICER CONCERNING THE SERVICING OF YOUR LOAN, YOUR SERVICER MUST PROVIDE YOU WITH A WRITTEN ACKNOWLEDGEMENT WITHIN 5 REQUEST" BUSINESS DAYS OF RECEIPT OF YOUR REQUEST. A "QUALIFIED WRITTEN IS A WRITTEN CORRESPONDENCE, OTHER THAN NOTICE ON A PAYMENT COUPON OR OTHER PAYMENT MEDIUM SUPPLIED BY THE SERVICER, WHICH INCLUDES YOUR NAME AND ACCOUNT NUMBER, AND YOUR REASONS FOR THE REQUEST. NOT MORE THAN 30 BUSINESS DAYS AFTER RECEIVING YOUR REQUEST, YOUR SERVICER MUST MAKE ANY APPROPRIATE CORRECTIONS TO YOUR ACCOUNT, AND MUST PROVIDE YOU WITH A WRITTEN CLARIFICATION REGARDING ANY BUSINESS DISPUTE. A 15 DAY EXTENSION IS PERMITTED IFTHE SERVICER NOTIFIES YOU BEFORE THE END OF THE 30 DAY PERIOD AND PROVIDES THE REASON FOR THE DELAY IN RESPONDING. DURING THIS 30 BUSINESS DAY PERIOD, YOUR SERVICER MAY NOT PROVIDE INFORMATION TO A CONSUMER REPORTING AGENCY CONCERNING ANY OVERDUE PAYMENT RELATED TO SUCH PERIOD OR QUALIFIED WRITTEN REQUEST. HOWEVER, THIS DOES NOT PREVENT THE SERVICER FROM INITIATING FORECLOSURE IF PROPER GROUNDS EXIST UNDER THE MORTGAGE DOCUMENTS. A BUSINESS DAY IS A DAY ON WHICH THE OFFICES OF THE BUSINESS ENTITY ARE OPEN TO THE PUBLIC FOR CARRYING ON SUBSTANTIALLY ALL OF ITS BUSINESS FUNCTIONS. SECTION 6 OF RESPA ALSO PROVIDES FOR DAMAGES AND COSTS FOR INDIVIDUALS OR CLASSES OF INDIVIDUALS IN CIRCUMSTANCES WHERE SERVICERS ARE SHOWN TO HAVE VIOLATED THE REQUIREMENTS OF THAT SECTION. YOU SHOULD SEEK LEGAL ADVICE IFYOU BELIEVE YOUR RIGHTS HAVE BEEN VIOLATED. IF YOU HAVE FILED BANKRUPTCY OR HAVE BEEN DISCHARGED IN BANKRUPTCY, PLEASE BE ADVISED THAT THIS STATEMENT DOES NOT REPRESENT AND ISNOT INTENDED TO BE A DEMAND FOR PAYMENT. THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY. YOU SHOULD CONTACT LEGAL COUNSEL REGARDING YOUR OBLIGATION, IFANY, TO PAY ON THE MORTGAGE LOAN. Esta carta leinforma que el serviciode su préstamo de hipoteca está siendo transferido a SelectPortfolio Servicing,Inc. Varios aspectos importantes de su préstamo corriente pueden cambiarse durante y después de esteproceso. Por favor lláme a nuestro representante de información en y reclaiiiacieties español alnumero de telefonoindicado para hablar de estos cambios y cualquierpregunta que usted pueda tener. FEDERAL FAIR CREDIT REPORTING ACT/ THE FACT ACT We may report information about your account to creditbureaus. Late payments, missed payments, or otherdefaults on your account may be reflectedin your creditscore. IMPORTANT NOTICE CONCERNING PRIVATE MORTGAGE INSURANCE Ifyour residentialmortgage loan has private mortgage insurance (PMI), which isseparate and distinctfrom Homeowners or insurance, liability federal or statelaw may give you the right tocancel this insurance under some circumstances. Please contact our Customer Service Department for more liifeiiliation. AFFILIATE BUSINESS DISCLOSURE Please note that SelectPortfolio Servicing, Inc.may utilizean affiliatedcompany to perform financial servicesrelated to your loan account and thatSelect Portfolio Servicing,Inc., and/or the affiliated company may receive a financial benefit of as a result such relationship. HAS YOUR ADDRESS CHANGED? IF SO, PLEASE COMPLETE THIS FORM Mailing Address City . . State ZIP Home Phone . .Rusiness Phone All Borrowers'Signatures RecisiredFor AddressChange Borrower's Signature Co-Borrower's Signature FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017 NYSCEF DOC. NO. 41 RECEIVED NYSCEF: INJ277629940D 12/22/2020 FEE SCHEDULE The following isa listof fees and charges that,subject to applicable law, or the documents evidencing your loan, may be imposed inconnection with the servicing of your loan. Please note that the fees listed below are subject to change from time to time. Refer to loan Fee charged for failure to make a regular monthly payment on Late Fee documents time. State law may dictate the fee amount. Fee charged when a payment by check is retumed as not paid Up to $25.00 by your bank because of insufficientfunds in the checking ec Fee account. Interest that we may be permitted to charge under the loan Generally, calculated ocumen s amoun we ay qu e o ay on Interest on Advance at the interest rate related costs and expenses. Please referto loan Your loan documents may require you to pay an additional fee Prepayment Fee documents if you pay offyour loan early. Fee charged if youare in default and we can not make contact Inspection $9.60 - $19.99 Property with you to determine the condition of the property. Broker Price Opinion Fee charged for determining the value and condition of the $89 00 - $195.00 (BPO) property when loan payments are past due. Fee charged for appraisal used to determine the value and Appraisal Fees $195.00 - $450.00 condition of the property. e c ge b he relevant county/town for recording the Recording Fee unty/ own schedule Fee paid to a third party charged at payoff for preparing the Release Fee Up to$45.00 release of mortgage. Fees and costs associated with protection of collateral. Foreclosure Attorney This fee and cost will Foreclosure attorney fees and costs will vary by filingtype and Fees and Costs vary are limited to the actual fees and costs. Fees and costs associated with preserving obligation. Bankruptcy Attorney This fee and cost will Bankruptcy attomey fees and costs willvary by bankruptcy Fees and Costs vary Chapter type and are limited to actual fees and costs. Property Costs Preservation TNs fW m Fees each required situation to and preserve required the property. expenses. Will vary according to The fees shown below willbe imposed for services that you request. You willbe asked to agree to pay these charges at the time you request the service. Fee charged for making a payment by phone or internet. (Also Check by Phone Up to $15.00 known as EZ Pay) Actual Charge Actual charge from delivery service provider (such as UPS or Express Mail Fee Incurred FedEx) for expedited delivery of documents. This Fee Schedule does not contain allfees that may be charged forservices rañdérad. Please note that Select Portfolio Semiciñg, Inc.may utilize an stilliãtad company to penctm scrvices related to your loan account and that Select Portfolio SGwiciñg, Inc. and/or the em!!sted company may recâivs financial benefit as a result of such relationship. Revised December 2011