YOUR INFORMATIONAL GUIDE TO CHASE HOME LENDING …

YOUR INFORMATIONAL GUIDE TO

CHASE HOME LENDING ACCOUNTS

This guide contains information on the free services, costs and fees associated with Chase mortgage and home equity accounts, as well as information about loans in default.

Mortgage Loans ............................................... Page 1 Home Equity Accounts .................................. Page 2 Loans Past Due or in Default ....................... Page 3

?2018 JPMorgan Chase & Co. 46348-PFS-0418

A GUIDE TO

MORTGAGE FREE SERVICES, FEES AND COSTS

This page shows the common services, fees and costs associated with your mortgage account. As our customer, you don't have to pay for many services that can help you manage your mortgage loan. We may charge other fees and costs that are not listed here.

FREE SERVICES Making a Payment

Payoff Quote

Document Request Mortgage Verification Amortization Schedule Recast Modification

Flood Title Certification Escrow Analysis

Subordination Assumption

DESCRIPTION

Paying your mortgage online, by mail or by phone. Visit WaysToPay for all the free, convenient ways to make your payment. Preparing a payoff statement. Visit payoff or call our automated service at 1-877-505-2894 to request a quote. Copies of your loan documents or loan history.

Verify your mortgage.

Copies of the amortization schedule for the remainder of your loan.

If you make a large principal balance reduction and we agree to modify your loan so you can lower your monthly payments. Your account must be in good standing. If we are asked to verify a property that isn't located in a flood zone.

We will provide an escrow analysis on an annual basis. Additional analysis are available upon request to review for changes in your property tax valuation or insurance premiums which may change your monthly payment. When we agree to allow our mortgage or deed of trust to be behind that of another lender.

If we update the individuals legally responsible for repaying the loan.

AMOUNT (MIN-MAX) 1

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

FEES Mortgage Late Fee

Non-Sufficient Funds (NSF) Balloon Reset

Adjustable-Rate Mortgage (ARM) Conversion

Charged when a scheduled payment isn't received by the due date or end of the grace period. To avoid this fee, visit WaysToPay to see how you can make your mortgage payment for free in many convenient ways.

Charged when a payment is returned due to not having enough money available in an account or your financial institution doesn't honor the payment. If you ask and we agree to extend the payment period when a loan term ends and an unpaid balance remains. If you ask and we agree to convert an adjustable-rate mortgage to a fixed-rate mortgage.

This amount is listed on your monthly statement. It's based on your loan amount, property location and rates found in your agreement.

$0-$25

$250-$500

$500 or amount written in loan documents

COSTS Full Appraisal Broker Price Opinion Recording

Partial Release/ Land Transaction

If we hire an appraiser to determine fair market value of your property.

$275-$1,170

If we hire a licensed real estate broker to provide an opinion of market value.

$78-$110

When the county recorder charges a fee for the recording of the mortgage or deed to secure our loan and the document to release the lien once the loan is paid off, as allowed by applicable law.

Fee set by county recorders or local laws

If there is a request made to release part of the collateral from our mortgage or for any other requests to modify the collateral in any other way (Example: adding collateral, lot line adjustments, easements etc.).

$50-$300

1Amounts may vary depending on the service, location, timing and any investor or legal requirements.

If you're seeking mortgage assistance, visit MortgageAssistance to find the information you need to apply for help. Costs associated with a loan being in default are included on Page 3 of this guide.

Page 1

?2018 JPMorgan Chase & Co. 46348-PFS-0418

A GUIDE TO

HOME EQUITY FREE SERVICES AND FEES

This page shows the common services, fees and costs associated with your home equity account. As our customer, you don't have to pay for many services that can help you manage your account. We may charge other fees and costs that are not listed here.

FREE SERVICES Making a Payment

Payoff Quote Over the Limit Prepayment Penalty Stop Payment

DESCRIPTION

AMOUNT (MIN-MAX) 1

Paying your mortgage online, by mail or by phone. Visit WaysToPay for all the free, convenient ways to make your payment.

$0

Preparing a payoff statement. Call our automated service at 1-877-505-2894 to request a quote.

$0

Exceeding the credit amount for a home equity line of credit.

$0

Closing the line of credit within 36 months from the date it is opened.

$0

When a stop payment is requested on a line of credit check.

$0

FEES Home Equity Late Fee

Non-Sufficient Funds (NSF) Annual Fee

Charged when a scheduled payment isn't received by the due date or end of the grace period.

To avoid this fee, visit WaysToPay to see how you can make your home equity payment for free in many convenient ways.

$25 or as determined in the home equity loan/ line documents

Charged when a payment is returned due to not having enough money available in an account or your financial institution doesn't honor the payment.

Charged annually during the line of credit draw period, beginning on the first anniversary date.

$0-$25

$0-$50 depending on individual program and terms in the home equity loan/ line documents

1Amounts may vary depending on the service, location, timing and any investor or legal requirements.

If you're seeking mortgage assistance, visit MortgageAssistance to find the information you need to apply for help. Costs associated with a loan being in default are included on page 3 of this guide.

Page 2

?2018 JPMorgan Chase & Co. 46348-PFS-0418

PROPERTY VALUE

PROPERTY PRESERVATION -- TO ENSURE THE PROPERTY IS OCCUPIED AND MAINTAINED

A GUIDE TO

COSTS FOR MORTGAGES PAST DUE OR IN DEFAULT

This page shows the common costs that you may have to pay if your mortgage loan is past due or in default. These costs may vary depending on the service required, your location, how quickly the service is needed, if the work is done under extraordinary circumstances, and any investor or other legal requirements such as state or local laws. You may have to pay other costs that are not listed here.

The costs listed below make up the Corporate Advance Balance located in the loan overview section on your monthly statement.

COSTS Full Appraisal

Broker Price Opinion (BPO)

DESCRIPTION

If we hire an appraiser to inspect the property and determine the fair market value. If we hire real estate brokers to estimate the property's market value.

AMOUNT (MIN-MAX)

$275-$1,170 per event $78-$110 per event

Inspection

If we hire an inspector to check if someone is living on the property or review the property condition.

Securing Property

If we hire contractors to secure vacant and/or abandoned properties, such as installing locks.

Closing Pools, Spas, Jacuzzis and Hot Tubs

If we hire contractors to close pools, spas, Jacuzzis and/or hot tubs at vacant and/or abandoned properties.

Lawn Care/Snow Removal If we hire contractors to remove snow or perform lawn care at vacant and/or abandoned properties.

System Maintenance

If we hire contractors to repair and/or maintain plumbing, electrical, heating and cooling systems at vacant and/or abandoned properties.

Winterization

If we hire contractors to protect vacant and/or abandoned properties from winter weather.

Debris or Vehicle Removal

If we hire contractors to remove debris or unworkable vehicles from vacant and/or abandoned properties.

Utilities Payments

If we make water, electric, gas or other utility payments for vacant and/or abandoned properties.

Damage Repairs

If we hire contractors to repair or fix damages at vacant and/or abandoned properties.

Cleaning

If we hire contractors to clean vacant and/or abandoned properties.

Treating Mold

If we hire contractors to treat mold or mold-related damage of the property.

Capping Utility Lines Pest Control

If we submit a request to cap gas, water, sewer lines and/or exposed electrical wires at vacant and/or abandoned properties.

If we hire an extermination company to fumigate vacant and/or abandoned properties.

$15-$35

$10-$1,200 $50-$1,650

$50-$800

Based on contractors' bid $100-$520 Based on contractors' bid Based on local rates charged by utility company Based on contractors' bid Based on contractors' bid Based on contractors' bid $2-$100

$30-$500

Attorney/Trustee Costs Process Server Publication/Posting

Costs incurred and charged by attorneys/trustee during the foreclosure process. Amounts vary on work performed or issues raised. Court costs aren't included.

Costs charged by foreclosure attorneys, sheriff or other third-party process server to serve appropriate parties with legal notices. Costs vary based on several factors, such as the number of parties served and the difficulty reaching them.

Costs charged if we must advertise or publish notice of foreclosure sale. Costs vary based on the publication method and other factors.

$925-$4,950 $1-$2,500 $15-$1,600

Search Cost Update Cost Report Cost

Cost to perform a title search during the foreclosure process. Cost to update the most recent title search. Cost for a title report.

$50-$900

$50-$1,300

Up to $800 or based on unpaid principal balance

If you're seeking mortgage assistance, visit MortgageAssistance to find the information you need to apply for help.

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?2018 JPMorgan Chase & Co. 46348-PFS-0418

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