IRS Form 1098 | Mortgage Interest Frequently Asked Questions

trustmark.com

What is a 1098 interest statement? The 1098 statement details all interest, taxes and mortgage insurance (if applicable) paid to a lender for a given year. The lender is required to send this statement to the customer by January 31 each year. When will I receive my year-end tax statement? Trustmark will mail year-end tax statements by January 31. What deductions can I claim on my income tax return? We can’t provide tax advice. We suggest you contact your tax/financial advisor or the IRS at 1-800-829-1040 or IRS.gov for more information. I pay mortgage insurance premiums (MIP / PMI) monthly. Why isn’t that listed in Box 4 on my Form 1098? The IRS no longer requires us to report the mortgage insurance premiums on Form 1098, or your loan does not qualify for this deduction. We suggest you contact your tax/financial advisor or the IRS at 1-800-829-1040 or IRS.gov for more information. Why does my Form 1098 show more interest paid for the reporting year than the previous year? The amount of interest you pay may change from year to year, usually because of a change in your interest rate or in the number of payments we received from you during the calendar year. Why doesn’t my Social Security Number appear on Form 1098? The IRS requires us to report mortgage interest received from the “Payer of Record” on the loan. We report it in the name and Social Security Number of the primary borrower. Why is the co-borrower’s Social Security Number not on the 1098 statement? The IRS only requires the Social Security Number of the primary borrower on the 1098 statement. Can reportable interest be claimed by more than one person on their income tax return? We can’t provide tax advice. We suggest you contact your tax/financial advisor or the IRS at 1-800-829-1040 or IRS.gov for more information. Will I receive more than one Form 1098 for the same property in a year? You should receive a Form 1098 from each company to which you paid reportable mortgage interest or points. You could receive more than one Form 1098 if you refinanced the property during the year and/or if servicing of the loan was transferred.

Does Trustmark report the real estate taxes I paid during the year on Form 1098, and can I deduct them on my income tax return? The IRS does not require us to report real estate taxes paid by you on Form 1098. We do, however, provide that information to you (for informational purposes only) on the Annual Tax and Interest Statement. To determine if the real estate taxes you paid are deductible, we suggest you contact your tax/financial advisor or the IRS at 1-800-829-1040 or IRS.gov for more information. Why does my 1098 statement show that no taxes were disbursed? Your 1098 may show that no taxes were disbursed for one of the following reasons: the taxes were paid at closing, the taxes were not paid from the escrow account in the year the 1098 is reporting on, or the loan was paid off before the taxes were due. I paid points at closing. Why isn’t that listed on my 1098 statement? Not all points are reportable, according to IRS regulations. The points paid at closing may not appear on your 1098 statement if Trustmark was not the originating lender or if the loan was a refinance. We suggest you contact your tax/financial advisor or the IRS at 1-800-829-1040 or IRS.gov for more information. I made 14 payments. Why are only 13 payments listed on my 1098 statement? Only 13 months of interest can be claimed in any given year – January through January. Sometimes a borrower will have made his or her payment in December of the previous year. The January interest is claimable, because interest is in arrears (if applicable, the January payment includes December’s interest). Why does my name not appear on the year-end tax statement when I signed the loan? Only the primary and secondary borrower will be listed on the year-end tax statement or 1098, and only the primary borrower’s Social Security Number will be reported on the 1098. To change the order of the names and reporting on future year-end tax statements, please contact our Customer Contact Center at 1-800-844-2400. I am a co-borrower. Will I receive an annual 1098 mortgage interest statement? Trustmark sends one 1098 mortgage interest statement to the primary borrower at the mailing address on record. How do I obtain copies of my year-end tax statement / Form 1098 interest statement from prior years? For statements older than 13 months, please contact our Customer Contact Center at 1-800-844-2400. There may be a fee for obtaining copies of prior year tax statements.

trustmark.com 1-800-844-2400

MORTGAGE STATEMENT GUIDE

Get to know your mortgage statement. We want to make it easy to understand information about your mortgage loan. This guide outlines your mortgage

statement, explains the items that may appear on it, and includes a glossary with additional terms for your reference.

If you have any questions, please call 1-800-844-2400. Representatives are available Monday - Friday, 8:00 a.m. –

5:00 p.m., CST.

Loan Information

Account Number – The account number assigned to your loan. Payment Due Date – The date your monthly payment is due. Amount Due – The total payment due to bring your loan current. Late Fee – The amount of any late payment fee and the date the fee will be charged if your payment has not been received.

A

A

B C

Account Information

Outstanding Principal – The amount owed on your loan, excluding any interest. This is not the amount required to pay your loan in full. Interest Rate – The current interest rate expressed as a percentage. Maturity Date – The date the loan is required to be paid in full. Escrow Balance – The current amount in your escrow account to pay taxes and insurance, if applicable. Taxes Paid Year-to-Date – The amount of taxes paid on your account starting from the beginning of the current year and continuing to the present day. Loan set up on ACH draft – A preauthorized draft service from you to debit either your checking or savings account via ACH. ARM Loan – Adjustable Rate Mortgage – A mortgage loan where the interest rate on the note periodically adjusts. Next ARM Rate Change – The date on which your adjustable rate mortgage rate will change (only shown for ARM loans). Prepayment Penalty – Identifies whether your loan is subject to a penalty or fee upon prepayment of your loan according to your loan documents. Loan in Foreclosure – Indicates if your loan is in the foreclosure process.

B Explanation of Amount Due

Principal – The amount of principal included in your regular monthly payment. Interest – The amount of interest included in your regular monthly payment. Escrow (for Taxes and Insurance) – The amount of your regular monthly payment set aside in your escrow account to pay taxes and insurance, if applicable. Optional Products – The monthly premium amount for optional insurance on your loan (e.g. credit life, disability, etc.) included in your regular monthly payment, if applicable. Regular Monthly Payment – The amount of principal, interest, and escrow (for taxes and insurance, if applicable), plus any Optional Products, if applicable, due on your loan. Total Fees – The total of all unpaid fees assessed to your loan which may include:

Total Late Charges – The total of all unpaid late charges assessed to your loan.

Overdue Payment – The amount of any regular monthly payment that remain unpaid.

Unapplied Amount – Any amount from funds remitted that has not been specifically applied to a payment, principal or escrow.

Uncollected Interest – Outstanding daily simple interest due that remains unpaid.

Total Amount Due – The total payment due to bring your loan current.

C

trustmark.com 1-800-844-2400

MORTGAGE STATEMENT GUIDE

Delinquency Notice

If your loan payments are delinquent 45 days or more, this section will show the date of the delinquency, the risks if the delinquency is not cured, and the total payment due to bring your loan current. If applicable, this section will also include certain foreclosure information, including whether the first legal notice or filing required by law has been made, or if you have agreed to a loss mitigation plan or program. Recent Account History – Shows how your payments were applied since you were last current (up to the last six months).

E

Important Messages

This section is used to alert you to special messages or announcements about your account, your statement or Trustmark National Bank.

F

Transaction Activity

This section lists the transaction activity since the last statement, including all payments, fees or expenses. If the transaction activity cannot fit on the front page, all activity will be listed on a second page.

G

Payment Coupon

This section is detachable and contains the payment address. The coupon should be detached and included with your payment if you pay by check. If you want to make an additional payment, depending on the status of your account, you may designate how you want us to apply the excess funds by writing the amount on the applicable line of the coupon for:

Additional Principal

Additional Escrow

Late Payment

Total Amount Enclosed If you don’t designate how you want us to apply the excess funds, depending on the status of your account, the excess funds will be applied as permitted by your loan documents and applicable law.

H

D E

F

G

H

Past Payment Breakdown

Paid Last Month – The transaction activity on your loan since the last billing cycle. Paid Year-to-Date – The year-to-date transaction activity on your loan since the first billing cycle of the calendar year, including how your payments were allocated to the following:

Principal

Interest

Escrow (Taxes and Insurance)

Fees

Late Charges

Partial Payment/Unapplied**

Optional Product Total – The total of the payments made last month and paid year-to-date. **Partial Payment (How unapplied funds are treated) – Depending on the status of your account, any partial payments that you make are not applied to your loan, but are held in a separate suspense account. When enough funds are received to make a regular monthly payment, the payment will be applied to your loan. In some cases, partial payments may be returned to you.

D

Understanding

Your Escrow

Account

Disclosure

Statement

If you have any questions concerning

your escrow account, please call our

Customer Service Department at the

number on the enclosed statement.

FREQUENTLY ASKED QUESTIONS

Q. What is an Escrow Account? An escrow account is a separate account that is provided for you to pay your property tax and/or insurance. We collect a portion of your mortgage payment and apply it to your escrow account, which we use to pay your property tax and insurance premiums on your behalf when they become due

Q. What is an Escrow Analysis? An escrow analysis is a review of your escrow account to determine if the current monthly escrow payment is enough to pay taxes, insurance, and other bills when due. Escrow analyses are typically run annually. Occasionally, the payment of taxes or insurance causes the escrow account to reach a negative balance (escrow deficiency) and it may be necessary to perform more than one analysis during the year.

Q. How often are escrowed loans analyzed?Trustmark analyzes contractually currentescrowed loans once every 12 months todetermine the appropriate monthly escrowdeposit. Additional analysis or paymentadjustments may be necessary when significantchanges in disbursement amounts of escroweditems occur.

Q. What does an escrow analysis reveal?An analysis determines if adjustments need tobe made to the escrow deposit based on escrowdisbursements in an upcoming year. IfTrustmark has disbursed an amount higher thananticipated for any escrowed item(s), generallya shortage is created and a payment coupon willaccompany the analysis. If Trustmark disbursedan amount lower than anticipated for anyescrowed item(s), generally an overage iscreated and in most cases, we'll mail you a checkfor that amount.

Q. Why do escrow deposits change?When changes in your taxes and/or insuranceoccur or your escrow account is short, yourescrow deposit will adjust resulting in a newmonthly payment. This may cause your monthlypayment to increase or decrease.

Q. Is a cushion in an escrow account necessary?Yes, Trustmark requires a two month escrowcushion, where permitted by state law, toprotect against unanticipated disbursements.

Q. What's a minimum balance? Sometimes taxes and insurance are higher than expected. To be prepared, you're required to keepa minimum balance in your account at all times. This helps make sure any unexpected increases are covered. Your minimum balance varies by state but is calculated to not be more than 2 months of escrow payments.

Q. What's a escrow shortage? If the funds in your escrow account are projected to be below your minimum balance at the lowest point in the 12-month period, you have a shortage. This can happen if the taxes or insurance premiums for the previous 12 months were more than expected. Or, if they're estimated to go up in the next 12 months. You can make up a shortage in 1 of 2 ways: • Pay it in full. Send a check for the full shortage

amount prior to the effective date of the new payment and the funds will be deposited into your escrow account.

• Pay it over 12 months. We'll add a portion to your monthly payment.

Q. How is a shortage collected?Shortages are collected over a 12 month period

Q. What's an escrow overage? If your escrow account is projected to have more than the minimum balance required at its lowest point in the 12-month period, you have an overage. This happens if the taxes or insurance premiums for the previous 12 months were less than expected. Or, if they're estimated to go down in the next 12 months. In most cases, we’ll send you a refund check for that amount.

Q. Why didn’t I receive my escrow surplus check? If your loan was past due at the time the escrow analysis was performed, your escrow surplus check will be disbursed when your loan becomes current. If you have not received your escrow surplus check after you've brought your loan current, please contact the Customer Service Department at 1-800-844-2400 and request the surplus check be mailed to you.

Q. How can you get additional information onyour escrow account?If you need more information, please contact usat 1-800-844-2400 or visit our web site:https://trmkmortgage.trustmark.com.

567-2114-0916F

7-567-R382T-0000003-001-000-000-000-000

BORROWER NAME1234 STREET ADDRESSCITY, STATE ZIP-CODE

COMING YEAR ESCROW PROJECTIONS

NEW ESCROW DEPOSIT BREAKDOWN

TOTAL DISBURSEMENTS

(TOTAL DISBURSEMENTS DIVIDED BY 12 MONTHS)

MONTHLY ESCROW DEPOSIT

PROJECTED ESCROWBALANCE SUMMARY

PROJECTED LOW BAL

LESS REQUIRED LOW BAL

ANNUAL ESCROW ACCOUNTDISCLOSURE STATEMENTPO Box 522

Jackson MS 39205-0522

ESCROWITEM

ANNUALEXPENSE

Please detach the shortage payment coupon at perforation above and return with payment

* The figures in this section are based on adivision by twelve to get your monthly totaland may be rounded up or down to thenearest penny.

SEE REVERSE SIDE FORADDITIONAL INFORMATION

NOTICE:

Note: If your loan is an adjustable rate mortgage and is scheduled for a payment change, the "principal and interest" portion may differ. The "principal and interest" portion of your payment are subject to changes per your Note.

Note: To the extent your original obligation has been discharged, or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance and/or informational purposes only and does not constitute a demand for payment or an attempt to impose liability for such obligation.

Determining Your Escrow Shortage/Surplus

YOUR ESCROW ACCOUNT PROJECTION

ESCROW SHORTAGE COUPON

TRUSTMARK NATIONAL BANKP.O. BOX 522JACKSON, MS 39205-0522

Paying the shortage does not guarantee that

If you choose to pay your escrow shortage infull, we must receive funds prior to the effective date of the new payment.

your payment will return to the previous amount.

Escrow ShortageAmount Enclosed __________________

Please write your loan number on your check or money orderand return this coupon with your payment.

(S)

$6,526.07

$543.83

$1,087.66$661.85

SHORTAGE $425.81ESCROW SHORTAGE PRORATEDFOR 12 MONTHS $35.48

HAZARD INSURAN $2,666.00COUNTY TAX $3,860.07

• Under RESPA/Federal law, or mortgage loan documents or by state law, if applicable, we are allowed to maintainup to a two (2) month cushion within your escrow account. Trustmark has chosen to only retain a two (2) monthescrow cushion within your escrow account.

• If the projected low point calculation (a) is less than the required (b) cushion, you have a shortage• If the projected low point calculation (a) is more than the required (b) cushion, you have a surplus• Under RESPA/Federal law, your shortage can be spread over 12 months• The shortage divided by 12 months = $35.48 * This will be added to your new payment, if you choose

not to pay the shortage in full. If you choose to pay your escrow shortage in full, we must receive fundsprior to the effective date of the new payment.

(a) Projected Low Point Calculation $661.85(b) Required Cushion $1,087.66ESCROW SHORTAGE $425.81

*when your escrow balance is at its lowest point (see above)*this cushion equals (2) months of escrow payments ($543.83). see (a) above

Loan Number: 0000000001Shortage Amount: $425.81

Under Federal Law, your lowest monthly balance in the next twelve months should not exceed $1,087.66 or 1/6th of the total anticipated payments from theaccount, unless your mortgage contract or State law specifies a lower amount. Your actual lowest monthly balance is $661.85. The items with an asterisk inyour account history may explain this. For a further explanation, call 1-800-844-2400.

MONTHPAID IN

TO ESCROWPAID OUT

FROM ESCROW DESCRIPTION PROJECTED

BALANCEREQUIREDBALANCE

STARTING BALANCE $3,924.94 $4,350.7507/16 $543.83 $0.00 $4,468.77 $4,894.5808/16 $543.83 $0.00 $5,012.60 $5,438.4109/16 $543.83 $0.00 $5,556.43 $5,982.2410/16 $543.83 $0.00 $6,100.26 $6,526.0711/16 $543.83 $0.00 $6,644.09 $7,069.9012/16 $543.83 ($2,666.00) HAZARD INSURANC $4,521.92 $4,947.7312/16 $0.00 ($3,860.07) COUNTY TAX $661.85 $1,087.66 *01/17 $543.83 $0.00 $1,205.68 $1,631.4902/17 $543.83 $0.00 $1,749.51 $2,175.3203/17 $543.83 $0.00 $2,293.34 $2,719.1504/17 $543.83 $0.00 $2,837.17 $3,262.9805/17 $543.83 $0.00 $3,381.00 $3,806.8106/17 $543.83 $0.00 $3,924.83 $4,350.64TOTAL $6,525.96 ($6,526.07)

As of 05/17/2016

PAYMENT INFORMATION

CONTACT INFORMATION

Customer Service 1-800-844-24008:00am - 5:00pm CST Monday - Friday

Web site: https://trmkmortgage.trustmark.com

Statement DatePayment Due DateAccount Number

02/19/201604/01/2016

0123456789

ANALYSIS DATE: MM/DD/YYYYCURRENT NEW PAYMENT

as of MM/DD/YYPrincipal & Interest $401.12 $401.12Escrow Payment $129.02 $134.35Shortage PaymentLine 4Line 5Line 6

$11.76 $7.11

Total $541.90 $542.58

PAYMENT

1

2

3

6

7

8

4

5

567-2115-0916B

UNDERSTANDING YOUR ESCROW

ACCOUNT DISCLOSURE STATEMENT

1. Customer Care Department – Call our

toll-free number if you have questions at

1-800-844-2400.

2. Mortgage Access – Manage your

account online for access to your loan

balances, make payments online, escrow

information and more at:

https://trmkmortgage.trustmark.com

3. Account Number / Analysis Date – This

section includes your account number

and escrow analysis date.

4. Mortgage Payment – This section shows

a breakdown of your present monthly

payment and new monthly payment

amount. Your new monthly payment

amount is displayed in addition to the

effective date of the new payment

change.

5. Determining Your Escrow Shortage/

Surplus – The required escrow

balance is based upon the anticipated

disbursement amounts and due dates. If

the Projected Balance is less than the

Required Balance, a shortage is revealed.

If the Projected Balance is

greater than the Required Balance, the

escrow account has a surplus.

6. Coming Year Escrow Projections – The section identifies if you have an escrow shortage or surplus and shows a schedule of payment and disbursement activity within your escrow account anticipated for the coming year. These are only projections based on the most recent bills. The actual amounts billed to us and to you may be different.

7. Escrow Shortage Coupon or an Escrow Surplus Check – Depending upon whether you have a shortage or a surplus, your statement will either include an escrow shortage coupon to cover the shortage or indicate that a surplus check will be mailed to you within 15 days of the escrow analysis.

8. Shortage Amount – If you elect to pay the shortage with a lump sum payment, submit a check for the full amount along with the attached "Escrow Shortage Coupon". Once received, the monthly payment will be adjusted accordingly.

The reverse side of your Escrow Account Disclosure Statement provides projections from your last analysis and compares it with the actual activity.

7-567-R382T-0000003-001-000-000-000-000

BORROWER NAME1234 STREET ADDRESSCITY, STATE ZIP-CODE

COMING YEAR ESCROW PROJECTIONS

NEW ESCROW DEPOSIT BREAKDOWN

TOTAL DISBURSEMENTS

(TOTAL DISBURSEMENTS DIVIDED BY 12 MONTHS)

MONTHLY ESCROW DEPOSIT

PROJECTED ESCROWBALANCE SUMMARY

PROJECTED LOW BAL

LESS REQUIRED LOW BAL

ANNUAL ESCROW ACCOUNTDISCLOSURE STATEMENTPO Box 522

Jackson MS 39205-0522

ESCROWITEM

ANNUALEXPENSE

Please detach the shortage payment coupon at perforation above and return with payment

* The figures in this section are based on adivision by twelve to get your monthly totaland may be rounded up or down to thenearest penny.

SEE REVERSE SIDE FORADDITIONAL INFORMATION

NOTICE:

Note: If your loan is an adjustable rate mortgage and is scheduled for a payment change, the "principal and interest" portion may differ. The "principal and interest" portion of your payment are subject to changes per your Note.

Note: To the extent your original obligation has been discharged, or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance and/or informational purposes only and does not constitute a demand for payment or an attempt to impose liability for such obligation.

Determining Your Escrow Shortage/Surplus

YOUR ESCROW ACCOUNT PROJECTION

ESCROW SHORTAGE COUPON

TRUSTMARK NATIONAL BANKP.O. BOX 522JACKSON, MS 39205-0522

Paying the shortage does not guarantee that

If you choose to pay your escrow shortage infull, we must receive funds prior to the effective date of the new payment.

your payment will return to the previous amount.

Escrow ShortageAmount Enclosed __________________

Please write your loan number on your check or money orderand return this coupon with your payment.

(S)

$6,526.07

$543.83

$1,087.66$661.85

SHORTAGE $425.81ESCROW SHORTAGE PRORATEDFOR 12 MONTHS $35.48

HAZARD INSURAN $2,666.00COUNTY TAX $3,860.07

• Under RESPA/Federal law, or mortgage loan documents or by state law, if applicable, we are allowed to maintainup to a two (2) month cushion within your escrow account. Trustmark has chosen to only retain a two (2) monthescrow cushion within your escrow account.

• If the projected low point calculation (a) is less than the required (b) cushion, you have a shortage• If the projected low point calculation (a) is more than the required (b) cushion, you have a surplus• Under RESPA/Federal law, your shortage can be spread over 12 months• The shortage divided by 12 months = $35.48 * This will be added to your new payment, if you choose

not to pay the shortage in full. If you choose to pay your escrow shortage in full, we must receive fundsprior to the effective date of the new payment.

(a) Projected Low Point Calculation $661.85(b) Required Cushion $1,087.66ESCROW SHORTAGE $425.81

*when your escrow balance is at its lowest point (see above)*this cushion equals (2) months of escrow payments ($543.83). see (a) above

Loan Number: 0000000001Shortage Amount: $425.81

Under Federal Law, your lowest monthly balance in the next twelve months should not exceed $1,087.66 or 1/6th of the total anticipated payments from theaccount, unless your mortgage contract or State law specifies a lower amount. Your actual lowest monthly balance is $661.85. The items with an asterisk inyour account history may explain this. For a further explanation, call 1-800-844-2400.

MONTHPAID IN

TO ESCROWPAID OUT

FROM ESCROW DESCRIPTION PROJECTED

BALANCEREQUIREDBALANCE

STARTING BALANCE $3,924.94 $4,350.7507/16 $543.83 $0.00 $4,468.77 $4,894.5808/16 $543.83 $0.00 $5,012.60 $5,438.4109/16 $543.83 $0.00 $5,556.43 $5,982.2410/16 $543.83 $0.00 $6,100.26 $6,526.0711/16 $543.83 $0.00 $6,644.09 $7,069.9012/16 $543.83 ($2,666.00) HAZARD INSURANC $4,521.92 $4,947.7312/16 $0.00 ($3,860.07) COUNTY TAX $661.85 $1,087.66 *01/17 $543.83 $0.00 $1,205.68 $1,631.4902/17 $543.83 $0.00 $1,749.51 $2,175.3203/17 $543.83 $0.00 $2,293.34 $2,719.1504/17 $543.83 $0.00 $2,837.17 $3,262.9805/17 $543.83 $0.00 $3,381.00 $3,806.8106/17 $543.83 $0.00 $3,924.83 $4,350.64TOTAL $6,525.96 ($6,526.07)

As of 05/17/2016

PAYMENT INFORMATION

CONTACT INFORMATION

Customer Service 1-800-844-24008:00am - 5:00pm CST Monday - Friday

Web site: https://trmkmortgage.trustmark.com

Statement DatePayment Due DateAccount Number

02/19/201604/01/2016

0123456789

ANALYSIS DATE: MM/DD/YYYYCURRENT NEW PAYMENT

as of MM/DD/YYPrincipal & Interest $401.12 $401.12Escrow Payment $129.02 $134.35Shortage PaymentLine 4Line 5Line 6

$11.76 $7.11

Total $541.90 $542.58

PAYMENT

567-

2002

-061

6F

Third Party Authorization - Payoff and Document Request Form

Trustmark National Bank - Mortgage Loan Number

Borrower First Name Borrower Last Name

Co-borrower First Name Co-borrower Last Name

Property Address City State Zip Code

Third Party Name

Relationship to Customer *Authorization will expire in 90 days.

Address City State Zip Code

Daytime Phone Fax

E-mail Address

If you would like to request a Payoff Statement at this time, please complete the following and return by either email at: payoffmtgrequest@trustmark.com or by fax:1-601-208-1603.

Payoff Statement as of Date: Please indicate delivery option:

Email Fax Mail

*Processing time for a payoff request received by email or fax is 24-48 hours. A $5.00 fax fee will be assessed to the borrower’s loan.

Please indicate the payoff reasons: Refinancing with Trustmark National Bank Refinancing with another company Sale of Property

If you would like to request one of the following documents at this time, please complete the following and return by fax at: 1-601-208-1603 or by mail to the address at the bottom of this form:

Verification of Mortgage-VOM Payment History Other: Includes a 12 month payment history

*Processing time for a Verification of Mortgage or Payment History request 3 business days. There is a $20.00 fee for a VOM

I authorize the third party listed above to obtain any information on my above referenced mortgage loan account with Trustmark National Bank, I further acknowledge and agree that the applicable fees may be assessed to my account as a result of the third party’s request. Fees may be charged per item, per request and are subject to change. My signature approves both the authorization of the third party and the acknowledgement of any applicable fees. * This authorization will expire in 90 days or sooner if revoked by me.

Borrower Signature Date

Co-borrower Signature Date

Please mail the completed form to: Trustmark National Bank Attn: Document Request P.O. Box 522 Jackson, MS 39205

Please fax the completed form to: 1-601-208-1603

Mortgage Servicer name

Customer Service/Loss Mitigation Phone Number

Mortgage loan account number(s)

(all applicable fields must be completed)Third Party Information

Property address

Borrower(s) name(s)

Phone numberName of Entity, Agency, Firm

Name(s) of authorized person(s)

Office address

Mailing address

Email

State license # (if required)

Website URL

Issuing stateTax ID#

Signature of Third Party

Printed name

Date

Title

BORROWER INITIALS

The undersigned, on behalf of the Third Party, represents that: (i) it is in compliance with Regulation O (Mortgage Assistance Relief Services), if applicable, and all other applicable laws and regulations; and (ii) the Third Party information provided above is true and correct. The undersigned acknowledges that a misrepresentation or omission of fact made in connection with a government program such as Making Home Affordable may result in civil/criminal prosecution.

Third Party Acknowledgement

1 of 2

Firm Name

Individual Attorney name(s)

All states where licensed * Attach National Foreclosure Mitigation Counseling form if needed

** Attorney who represents Borrower must sign below

Approval valid until (date)

HUD HCS #

For non-profit agencies only *

Do you represent the above named Borrower for a workout arrangement with the named Servicer?

For attorneys only **

HUD Approved Counseling Agency?

Yes No Yes No

Borrower Authorization of Third Party

2 of 2

(please initial all items)

I (Borrowers listed below) authorize the above named Third Party to discuss, assist with, or, if applicable,

negotiate a workout arrangement on my mortgage(s) with the above named Mortgage Servicer (its affiliates,

agents, employees, and successors). A workout arrangement could include a modification or other relief.

I authorize my Mortgage Servicer, and Third Party and Treasury (and its agents) to share with each other

public and non-public information about my finances and my mortgage for the purpose of assisting me

in obtaining a workout arrangement, including but not limited to: (i) my mortgage payment history, terms

of my mortgage; and (ii) my social security number, credit score, income, debts and other information relat-

ed to obtaining and servicing my mortgage.

I understand that my Mortgage Servicer may contact me directly except in limited situations, such as when

I am represented by an attorney, and the Servicer and I must agree to any workout arrangement. I may still

contact my Mortgage Servicer at any time.

I understand that this Third Party Authorization Form may not be accepted by my Mortgage Servicer and my

Mortgage Servicer will notify me in writing if it is not accepted. Mortgage Loan Servicers have procedures

designed to detect fraud or improper activity and must follow privacy laws to protect borrower information.

BORROWER AUTHORIZATION OF THIRD PARTY

Borrower Authorization

This form should be transmitted to the Mortgage Servicer as soon as possible and no later than 90 days after the date signed.

Be aware of scams!

Federal and State

government agencies

have prosecuted

hundreds of companies

and lawyers who illegally

charge up-front fees.

Report scams at HOPE Hotline:

888-995-HOPE (4673)

Signature of borrower

Signature of co-borrower

Printed name

Printed name

Last 4 digits of SSN

Last 4 digits of SSN

Phone #

Phone #

Email

Email

Date

Date

Do not sign this form until the form is fully completed. Keep a copy of this form.

This Authorization expires one year from the date signed unless Borrower cancels it earlier by writing to the Servicer

or by completing an Authorization of a different Third Party.

Third Party you are authorizing (from first page)

» MOR TGAGE STATEMENT GUIDE

2nd Outstanding Principal The outstanding principal balance is the amount owed on your 2nd loan, if applicable, not including interest. If the balance is $0, no amount will be shown.

Additional Escrow If excess funds are included with your payment, depending on the status of your account, you may designate on the payment coupon that excess funds should be applied to your escrow account.

Additional Principal If excess funds are included with your payment, depending on the status of your account, you may designate on the payment coupon that excess funds should be applied to reduce your outstanding principal balance.

Amount Due The total payment due to bring your loan current.

Delinquency Notice If your loan is delinquent by more than 45 days, this section will include information regarding your delinquency, including loss mitigation or foreclosure information.

EscrowThe amount of your regular monthly payment allocated to escrow.

Escrow Balance The amount set aside in your escrow account to pay taxes and insurance, if applicable.

Expedited Payoff Fee (Fax Fee) If you request an expedited payoff statement, you may be assessed a fee, if permitted by applicable law.

Important Messages This section will include special messages and announcements about your account, your statement, or Trustmark National Bank.

Interest The amount of your regular monthly payment allocated to interest.

Interest Rate The current interest rate on your loan expressed as a percentage.

Late Fee or Late Charge A late payment fee may be charged if you make your payment after the date indicated on your statement. The amount of the late fee is based on the terms of your note.

Loan Number The account number assigned to your loan.

Trustmark.com Manage your Trustmark National Bank mortgage loan online — 24 hours a day, seven days a week. Pay your loan online and take the hassle out of writing checks and have confidence in a process that’s easy, fast, and secure.

NSF FeesA fee (return item fee) may be charged if your payment is returned or rejected by your financial institution.

Optional Items Optional items may include both credit life and/or disability insurance that you selected.

Other PaymentIf excess funds are included with your payment, depending on the status of your account, you may designate on the payment coupon that the excess funds be applied to overdue payments, fees or other expenses.

Outstanding Principal The amount of money owed on your loan, not including interest. This is not the amount required to pay your loan in full.

Overdue Payment The amount of any regular monthly payment that remains unpaid.

Partial PaymentsDepending on the status of your account, any partial payments that you make are not applied to your loan, but are held in a separate suspense account. When enough funds are received to make a regular monthly payment, the payment will be applied to your loan.

Payment Coupon The detachable section of your statement that should be included with your payment if paying by check. If excess funds are included, depending on the status of your account, you may designate how the excess funds should be applied.

Payment Due Date The date your monthly payment is due.

Prepayment Penalty According to your loan documents, your loan may be subject to a penalty or fee upon prepayment of your loan.

PrincipalThe amount of your regular monthly payment allocated to principal.

Recent Account History If your loan is delinquent 45 days or more, an account history shows how your payments were applied since the date you were last current (up to the last six months).

Regular Monthly Payment Your total monthly payment of principal, interest, and escrow (for taxes and insurance, if applicable), plus Optional Items.

Glossary of Mortgage Terms

trustmark.com 1-800-844-2400

Member FDIC trustmark.com 1-800-844-2400

CONTACT INFORMATIONYou may access your account online at trustmark.com.

Customer Service (800) 844-2400Loan Counseling (866) 229-1656Phone Payments (866) 229-1656 or (800) 243-2524

Banking/CD/Personal Loans (800) 844-2000

Customer Service Hours: Monday–Friday 8:00 a.m.–5:00 p.m.

Payoff FundsTrustmark National Bank201 Country Place Parkway Suite BPearl, MS 39208-6689

Overnight/Certified Mail PaymentsTrustmark National Bank201 Country Place Parkway Suite BPearl, MS 39208-6689

Inquiries/CorrespondenceTrustmark National BankP.O. Box 522Jackson, MS 39205-0522

Property TaxTrustmark National BankP.O. Box 522Jackson, MS 39205-0522

Notice of Error (NOE) or Request for Information (RFI) – If you believe there is an error (“Notice of Error”) or if you need additional information (“Request for Information”) relating to the servicing of your mortgage loan, you must send a written Notice of Error or Request for Information to the following address: Trustmark National Bank, P.O. Box 153, Jackson, MS 39205. Your Notice of Error or Request for Information must include your name, loan number, and sufficient detail to inform Trustmark of the basis of your Notice of Error or Request for Information.

Insurance Policies & Bills (Hazard, Flood and/or Property) All policies must reflect your loan number and Trustmark National Bank as the loss payee. Trustmark National Bank, Its Successors and/or Assigns, PO Box 5922, Troy, MI 48007-5922.

Insurance (Loss Draft Claims Correspondence)Trustmark National Bank, Loss Drafts Department, 201 Country Place Parkway, Suite BPearl, MS 39208-6689

Total Amount Due As described in the “Explanation of Amount Due” section, this is your Regular Monthly Payment, plus the total fees charged, total other expenses and overdue payments you must pay to bring your loan current.

Total Fees Charged The total of all unpaid fees assessed to your loan.

Total Other Expenses The total of all unpaid expenses assessed to your loan.

Transaction Activity Transaction activity since the last statement, including all payments, fees or expenses.

Transaction Date The date transaction activity was assessed to your account.

Experiencing Financial Difficulties If you are experiencing financial difficulties and would like to speak to one of our counselors please call 1-866-229-1656. You may obtain a list of HUD approved, non-profit homeowners counseling organizations servicing your residential area by calling toll free 1-800-569-4287 or by visiting the HUD Website at www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm.