CA - As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation.

CO - If you feel Regions has violated Colorado law by not providing you a single point of contact to discuss your delinquency or by "dual tracking" (continuing a foreclosure action while simultaneously considering your application for a loan modification), you may file a complaint with the Colorado Attorney General at 1-800-222-4444 or at https://coag.gov/. You may also file a complaint with the CFPB at 1-855-411-2372 or at http://www.consumerfinance.gov.

NY - Regions hopes we have provided you with the service you deserve but if not you may file a complaint. To contact us in writing, send to: Customer Service, P.O. Box 18001, Hattiesburg, MS 39404-8001, or contact us by phone at 1-800-986-2462 ext. 2775 or secure email from the Messages tab on any page. Borrowers may file complaints about their Servicer with the New York State Department of Financial Services. Borrowers may also obtain further information from the New York State Department of Financial Services by calling the Department’s Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department’s website at http://www.dfs.ny.gov/. Regions is exempt from registration with the Superintendent.

Regions Bank dba Regions Mortgage may be a debt collector under applicable law. This communication may be deemed an attempt to collect a debt, and any information obtained could be used for that purpose.

We may tell a credit bureau about a late payment, missed payment or some other default on your account. This information may be reflected on your credit report.

Payments will be applied in the order that they became due (oldest first) unless bankruptcy or other court ordered payment plan is in place. We reserve the right to reject payments that are not sufficient to satisfy the debt currently due.

Any late charges, if shown are due. Future late charges may be avoided by making your payment on time.

Late charges will be assessed on payments received after your allotted grace period. Regions Mortgage is not responsible for postal delays or delivery problems. Please see additional information on the Make a Payment page for information on crediting of payments received at any location.

Servicemembers on “active duty” or “active service,” or a spouse or dependent of such a servicemember may be entitled to certain legal protections and debt relief pursuant to the Servicemembers Civil Relief Act (50 USC App. §§ 501-597b) (SCRA).

• Regular members of the U.S. Armed Forces (Army, Navy, Air Force, Marine Corps and Coast Guard).
• Reserve and National Guard personnel who have been activated and are on Federal active duty.
• National Guard personnel under a call or order to active duty for more than 30 consecutive days under section 502(f) of title 32, United States Code, for purposes of responding to a national emergency declared by the President and supported by Federal funds.
• Active service members of the commissioned corps of the Public Health Service and the National Oceanic and Atmospheric Administration.
• Certain United States citizens serving with the armed forces of a nation with which the United States is allied in the prosecution of a war or military action.

• The SCRA states that a debt incurred by a servicemember, or servicemember and spouse jointly, prior to entering military service shall not bear interest at a rate above 6 % during the period of military service and one year thereafter, in the case of an obligation or liability consisting of a mortgage, trust deed, or other security in the nature of a mortgage, or during the period of military service in the case of any other obligation or liability.
• The SCRA states that in a legal action to enforce a debt against real estate that is filed during, or within one year after the servicemember’s military service, a court may stop the proceedings for a period of time, or adjust the debt. In addition, the sale, foreclosure, or seizure of real estate shall not be valid if it occurs during, or within one year after the servicemember’s military service unless the creditor has obtained a valid court order approving the sale, foreclosure, or seizure of the real estate.
• The SCRA contains many other protections besides those applicable to home loans.

• In order to request relief under the SCRA from loans with interest rates above 6% a servicemember or spouse must provide a written request to the lender, together with a copy of the servicemember’s military orders. Requests should be mailed to: Regions Mortgage, P.O. Box 18001, Hattiesburg, MS 39404-8001, Attention: Special Loans/SCRA or you may contact us at 1-800-986-2462.
• There is no requirement under the SCRA, however, for a servicemember to provide a written notice or a copy of a servicemember’s military orders to the lender in connection with a foreclosure or other debt enforcement action against real estate. Under these circumstances, lenders should inquire about the military status of a person by searching the Department of Defense’s Defense Manpower Data Center’s website, contacting the servicemember, and examining their files for indicia of military service. Although there is no requirement for servicemembers to alert the lender of their military status in these situations, it still is a good idea for the servicemember to do so.

• Servicemembers and dependents with questions about the SCRA should contact their unit’s Judge Advocate, or their installation’s Legal Assistance Officer. A military legal assistance office locator for all branches of the Armed Forces is available at https://legalassistance.law.af.mil
• “Military OneSource” is the U. S. Department of Defense’s information resource. If you are listed as entitled to legal protections under the SCRA (see above), please go to http://www.militaryonesource.com/legal or call 1-800-342-9647 (toll free from the Unites States) to find out more information. Dialing instructions for areas outside the United States are provided on the website.

HAZARD INSURANCE REQUIREMENTS: It is your responsibility to maintain adequate fire and extended coverage for your dwelling. This hazard insurance must include fire and extended coverage and must be in an amount equal to 100% of the replacement cost of the structure and improvements, or provide loss protection on a guaranteed replacement cost basis. It must also contain a standard Mortgagee clause naming Regions Bank dba Regions Mortgage ATIMA Attn: Insurance Center, P.O. Box 200401, Florence, SC 29502-0401. Other terms, conditions and requirements may apply. Please contact our Insurance Center at 1-888-723-4316 if you have any questions. If your property is damaged by fire or any other cause, your loss draft check will have Regions Mortgage as a payee.

When any loss occurs you should immediately contact our Customer Service Department at 1-800-986-2462 for further instructions.

If you fail to provide proof of required insurance, we may at our option obtain insurance on your property with an insurance company of Regions Mortgage's choice. The costs of insurance purchased will be charged to you and will become an additional obligation secured by your mortgage or deed of trust. Please note that the insurance obtained by Regions Mortgage may not provide coverage identical to that which you had previously obtained and/or it may be more expensive than that which you could have obtained on your own. The coverage we obtain will be a standard hazard policy with fire and extended coverage which will cover only the structure of the property. There will be no contents or liability coverage. An affiliate of Regions Bank may receive a commission if insurance is placed by us. Federal regulations mandate that any property located in a Special Flood Hazard Area (Zones A and V) have flood insurance in effect for the term of the loan. If these regulations apply to your property at or after loan origination and/or acquisition, Regions Mortgage reserves the right to require you to obtain flood insurance or may obtain it for you. The flood insurance obtained by Regions Mortgage may be more expensive than the coverage that you could obtain on your own, and could provide less coverage than if you obtained coverage yourself.

PRIVATE MORTGAGE INSURANCE: If you have Private Mortgage Insurance (PMI) on your loan, and certain conditions are satisfied, you may be able to cancel the PMI coverage. Please contact us at 1-800-986-2462 for additional information concerning your cancellation rights, if any.

PROPERTY TAX REQUIREMENTS: If you receive a delinquent, corrected or supplemental tax notice from your taxing authority, please forward it immediately to: Regions Mortgage, P.O. Box 23870, Rochester, NY 14692 or fax to 1-817-826-1186 . Any delays in forwarding these notices to us may result in penalties and interest being assessed against your property. These notices are released only to the homeowner, therefore, you must promptly request that Regions Mortgage pay these bills or send your payment directly to the taxing authority.

You have certain rights under Federal law related to resolving errors in the servicing of your loan and requesting information about your loan.

If you want to request information about your loan or if you believe an error has occurred in the servicing of your loan and would like to submit an Error Resolution or Informational Request, it must be sent to our exclusive address for Error Resolution and Informational Request at P. O. Box 110, Hattiesburg, MS, 39403-0110.

When requesting information or notifying us of an error, include the following information:

• Name(s) of Borrower(s)
• Information allowing the identification of your mortgage loan (i.e. loan number, property address etc.)
• The specific information requested or the specific error which is believed to have occurred.

Your request for information or error notice will usually be acknowledged in writing within five (5) business days of receipt unless excused under the applicable regulation.

A final written response to an error notice will be issued unless excused under the applicable regulation.

You may initiate a request for information or notice of error by calling our Customer Service Department at 1-800-986-2462 or via our Secure Message Center available through MyMortgage website; however, to protect your rights under Federal Law, you must submit written confirmation of your request or notice of error to P. O. Box 110, Hattiesburg, MS, 39403-0110.