OFFICE OF MORTGAGE SETTLEMENT OVERSIGHT – JOSEPH A. SMITH – INDEPENDENT MONITOR

National Debt

national debt

Regulators

Mortgage Related

Government Sponsored

Announcement Date: October 27, 2016

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Joseph A. Smith, Jr., Partner at Poyner Spruill

JOSEPH SMITH ABS EAST SPEECH, SEPTEMBER 24, 2014

6/8/2013 Compliance Report JPMC

10/16/2013 Interim Consumer Relief JPMC – G. Monitor’s Review of the IRG’s Assertion on Consumer Relief Credit. 1. Preliminary Review. Preliminary to the PPF’s review of the IRG’s Consumer Relief testing, I, along with the PPF and some of my other Professionals, met with representatives of Servicer to gain an understanding of its mortgage banking operations, SOR and IRG program, and the IRG’s proposed approach for Consumer Relief testing, among other things. During those meetings, Servicer provided an overview and walkthrough of its SOR and described their core processing application for mortgage loans (Mortgage Servicing Platform), core processing application for home equity loans (Vendor Loan System), application used to modify loans (Agent Desktop), foreclosure application for home equity loans (Home Equity FORTRACS), web processing application for short sales (Short Payoff), core processing application for charge-off loans (Recovery One) and web application for tracking the workflow of foreclosure, bankruptcy and post-foreclosure steps

12/4/2013 Compliance Report JPMC

3/18/2014 Final Consumer Relief Report JPMC

3/18/2014 Final Crediting report

6/18/2014 Complaince Report JPMC

8/31/2015 Monitor Report $50M BK Settlements

8/31/2015 JPMC BK Settlement

12/17/2015 Consumer Relief Progress Report JPMC

12/17/2015 Compliance Report JPMC

3/3/2016 Final Compliance Update