Customer Service

• CONTACT US
• IMPORTANT TIPS AND INFORMATION CONCERNING YOUR ACCOUNT
• PAYMENT FAQ
• INSURANCE INFORMATION
• PAYOFF REQUEST
• CHANGE OF ACCOUNT INFORMATION
• SCHEDULE OF ADDITIONAL SERVICES
• PRIVATE MORTGAGE INSURANCE (PMI) CANCELLATION POLICIES
• FAIR CREDIT REPORTING ACT
• GUIDE TO YOUR ESCROW ACCOUNT
• AUTO PAY
• AUTO PAY Registration (Adobe Acrobat required)
• STANDARD VOICE 24
• eSTATUS FAQ
• TIPS ON MANAGING YOUR ACCOUNT
• HOME AND BUSINESS INSURANCE

Contact Us

Customer Service Department (504) 569-3921 or (800) 448-4190
8:30 A.M. to 4:30 P.M. Monday-Friday, C.S.T.

You can retrieve account information by accessing Standard Voice 24, our interactive voice response system by calling (800) 448-4190.

Email Us or
Click here for our mailing address.

STANDARD MORTGAGE CORPORATION	Fax Numbers
Payoff/Assumption Dept.	(504) 569-3715
Insurance Dept. Tax Dept.	(866) 515-7510 (817) 699-1423
Customer Service/Collections	(504) 569-3714

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IMPORTANT TIPS AND INFORMATION CONCERNING YOUR ACCOUNT

PLEASE REMEMBER TO FILE FOR HOMESTEAD EXEMPTION, IF YOU ARE ELIGIBLE.

PAYMENT With AutoPay: Please visit and register for eStatus. With AutoPay you can authorize a monthly bank draft. You will have the option to visit our web site monthly to schedule the payment, or you may select auto-repeat to process the draft on the 1st of each month. Click here for the AutoPay registration form.

PAYMENT by Mail: We urge you to pay by mail using the addressed envelope provided. Do not send cash and do not mail the entire coupon book. When remitting, detach the next coupon and mail it with your check or money order to: STANDARD MORTGAGE CORPORATION at P.O. Box 53426, New Orleans, LA 70153-3426. Be sure to write the mortgage account number on your check or money order to ensure prompt processing.

AVOID LATE CHARGES: Payments are due on or before the first day of each month and become delinquent thereafter. Recent regulations from some Governmental Agencies and Investors require that we report delinquent accounts monthly to several National Credit Reporting Agencies. WE ENCOURAGE PROMPT PAYMENT! The late payment amount shown on the coupons is to be paid on or after the 17th of the month; and any payment received by our office on or after the 17th day must include the late charge or the payment may be refused. If additional funds are included with any payment, please specify the purpose in the blocks provided on the coupons.

OUT OF COUPONS? Do not delay your mortgage payment because you are waiting for more coupons. Simply put your account number on your check or money order and mail it to us. If you request a new payment book, a $5.00 fee will be charged to you for producing a duplicate. We suggest that you keep your book in a safe place.

OTHER CORRESPONDENCE: When writing about your account or paying any amount other than the coupon amount, the correspondence should be mailed to our office mailing address:

Standard Mortgage Corporation
701 Poydras Street, Box 45
New Orleans, LA 70139

FREQUENTLY ASKED QUESTIONS CONCERNING YOUR PAYMENTS

1. When is my payment considered late?
   Your payment is due in our processing center on or before the due date. It is considered late the following day.

2. Do I have a grace period?
   No. The time between the due date and the assessment of a late charge, normally 15 days, is not a grace period. It is a convenience to allow for such things as mail delays, weekends and holidays.

3. What if my payment is postmarked before the assessment date?
   We do not consider the postmarked date. According to your mortgage documents, the date we receive your payment is the date we use to determine whether a late charge is assessed.

4. Are late charges ever waived?
   Late charges normally are not waived unless documentation can be provided which proves we received your payment on or before the date the late charge was assessed. Proof normally consists of a copy of the front and back of your canceled check or money order. If the check or money order is endorsed prior to the assessment date, the late charge will be waived.

INSURANCE INFORMATION

INSURANCE INFORMATION: Your mortgage requires that you maintain insurance in constant force and that you notify us in the event you reduce or increase the amount of insurance, terminate it for any reason, or make a change in the agency now insuring your property. You should be certain that the amount of insurance that you carry is sufficient at today's replacement cost. You should consider contacting your agent to thoroughly review the adequacy of your coverage, INCLUDING FLOOD INSURANCE, in the event your property may now by in a special flood hazard area. Substitution policies are due in this office 30 days prior to the expiration of your existing policy. We assume no responsibility for maintaining insurance coverage on your property, and if you or your insurance agent fails to renew the insurance policy (ies) on your property or fail to forward the premium notice to us, you will not have any insurance coverage on the property to protect your equity and interests.

OPTIONAL INSURANCE: To obtain information on Life Insurance that could pay your mortgage debt in the event of death and/or Accident and Health Insurance that could pay your monthly mortgage payments, subject to certain guidelines, contact our Customer Service Department.

CHANGE OF NAME OR ADDRESS: Should you have a change in your name, address or telephone number, please notify us by completing the appropriate section of the form provided in your coupon book or submit your change via eStatus.
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PAYOFF/ASSUMPTION POLICY

Our Account Estatus will furnish current unpaid loan principal balances, but this must not be construed as sufficient for prepayment. All payoff requests must be sent in writing to:

Attention: Payoff Department
Standard Mortgage Corporation
701 Poydras Street, #300 Plaza
New Orleans, LA 70139-0300

Fax: (504) 569-3715
E-mail: csr5@stanmor.com

If you contemplate selling your home, please make this information available to your realtor, attorney or notary in sufficient time prior to your closing.
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CHANGE OF ACCOUNT INFORMATION FORM

1. ADDRESS CHANGE
2. PHONE NUMBER CHANGE
3. SOCIAL SECURITY NUMBER CHANGE
4. OTHER CHANGES:
   • DIVORCE: If titleholders are divorced, please attach a copy of the RECORDED divorce decree.
   • DEATH: If either titleholder is now deceased, please attach a copy of the death certificate.
   • MARRIAGE: If marriage has occurred, please attach a copy of marriage license.
   • NAME CHANGE: If there has been a legal name change, please attach a copy of the RECORDED document evidencing the change.

Schedule of Additional Services

Item	Item
Amortization Schedule	Lost Document Research
Check reissue	Payoff Statement over 2 in 12 months
Coupon Book Replacement	Priority Fee
Document Copies	Verification of Mortgage
Duplicate Year End Statement	Notary Fee
Loan History over 25 mo.

PRIVATE MORTGAGE INSURANCE (PMI) CANCELLATION GUIDELINES

Automatic Termination Guidelines for Single Family Principal/ Second Home

Mortgages Closed On or After 7/29/99
Automatic termination: The earlier of (1) the date the mortgage balance is first scheduled to reach 78% of the original value; or (2) the mid-point of the amortization period.
Effective date: 7/29/1999

Mortgages Closed Before 7/29/99
Automatic termination: Mid-point of the amortization period
Effective date: 1/02/2001.

Cancellation Evaluation Based on Original Value
Mortgages Closed On or After 7/29/99
Cancellation point: Loan-to-value ratio must be 80% or less
Effective: 7/29/99.

Cancellation Evaluation Based on Original Value
Mortgages Closed Before 7/29/99
Cancellation point: Loan-to-value ratio must be 80% or less
Effective: 5/07/99.

• Payment Status: No 30 day late payments in the 12 months prior to the cancellation date/point, and no 60 day late payments in the 24 months prior to cancellation date and cancellation point.
• Evidence of Value: Appraisal to support loan-to-value requirements at borrower's expense.

  No minimum length of time from date loan was closed.

Cancellation Evaluation Based on Current Value
Mortgages Closed Before, On or After 7/29/99
Cancellation Date: Loan-to-Value ratio must be 80% or less, if 5 years or more have elapsed since loan origination; or Loan-to-Value ratio must be 75% or less if 2 or more years, but less than 5 years, have elapsed since origination.

Minimum seasoning requirements: 2 years for 75% LTV cancellation, 5 years for 80% LTV cancellation.

Effective date: 5/7/99 or 7/29/99 Mortgage insurance cancellation must be approved at the above cancellation points provided the following criteria are satisfied:

• Payment Status: No 30 day late payments in the 12 months prior to the cancellation date/point, and no 60 day late payments in the 24 months prior to cancellation date and cancellation point.

• Current Appraisal (at borrower expense)

• Minimum seasoning requirement does not apply if the increase in value is due to property improvements made after loan origination

Please contact Standard Mortgage Corporation for the guidelines that affect your specific loan. The above guidelines do not apply to investment property and 2-4 family properties.

Standard Mortgage Corporation provides this summary as a service to our customers. It should not be considered as a legal opinion or definitive of all aspects of HPA or Fannie Mae's and Freddie Mac's mortgage insurance cancellation guidelines. Source: GE Capital Mortgage Insurance.
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IMPORTANT INFORMATION ABOUT THE FAIR CREDIT REPORTING ACT

Send your notice to:

Attention: Customer Service
Standard Mortgage Corporation
One Shell Square
701 Poydras Street, #300 Plaza
New Orleans, LA 70130-0300

GUIDE TO ESCROW ACCOUNT DISCLOSURE STATEMENT

The left side of this form is a projection of the escrow disbursements for the next year. This may show the actual amount paid for that item, or if unknown, the projection may include a RESPA authorized adjustment to the previous year's disbursement. The total of the projected disbursement(s) is divided by a specific number of months to arrive at the monthly escrow deposit before surplus or shortage adjustment. The monthly Escrow Deposit is used on the Coming Year Escrow Projection Statement for the "Payments to Escrow".

The right side of this form, PAYMENT INFORMATION, provides an itemized description of your New Payment Amount including any required surplus, deficiency and/or shortage adjustment. For comparison, an itemized description of your previous payment has been provided.
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GUIDE TO ESCROW ACCOUNT COMING YEAR PROJECTION

The left side of the projection form is a month-to-month description from our escrow account. The beginning Escrow Required Balance includes the disbursement of any surplus reported or repayment of all shortages and/or deficits. The maximum low point by Federal Law (RESPA) is 2 monthly deposits (1/16) of your total annual disbursements from your escrow account. However, if your loan documents or state law specifies a lower minimum balance, this lesser amount will be the allowable low point for your account.

The right side of this form is a comparison of the projected low point of your escrow account to the allowable low point to determine a surplus or shortage. If the projected low point is greater than the allowable low point, there is a surplus. If the surplus is $50.00 or greater, it will automatically be refunded to you. If less than $50.00, we have the option of refunding or lowering your monthly payments accordingly.

If the projected low point is less than the allowable low point, there is a shortage and/or deficiency, which will be recovered by an adjustment to your monthly payment over the specified number of months. The adjustment amount(s) appear in the Low Balance Summary and Current Payment box.
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GUIDE TO ESCROW ACCOUNT HISTORY

An asterisk (*) indicates a difference in either the amount or date. When applicable, the letter "E" beside an amount indicates that a payment or disbursement has not yet occurred but is estimated to occur as shown.

Your projected low point may or may not have been reached based one or more of the following factors:

PAYMENT(S)

• Monthly payment(s) received were lesser OR greater than expected.
• Monthly payment(s) received earlier OR later than expected.
• Previous overage was returned to escrow.
• Previous deficiency/shortage not paid entirely.

  TAXES

• Tax rate and/or assessed value changed.
• Exemption status lost or changed.
• Supplement/Delinquent tax paid.
• Tax bill paid earlier OR later than expected.
• Tax installment not paid.
• Tax refund received.
• New tax escrow requirement paid.

  INSURANCE

• Premium changed.
• Coverage Changed.
• Additional premium paid
• Insurance bill paid earlier OR later than expected.
• Premium was not paid.
• Premium refund received.
• New insurance escrow requirement paid.
• Force placed insurance premium paid.

  IF YOUR ACCOUNT HAS A DEFICIT AND / OR SHORTAGE:

  The escrow analysis shows that you have a total deficit and/or shortage of, we have divided this shortage by 12 and added the prorated amount to your monthly payment. You may pay this shortage in full by sending a check for the entire shortage amount. Please send a separate check or money order along with this form (do not include with your monthly mortgage payment) to the following address:

  Customer Relations
  Standard Mortgage Corporation
  One Shell Square
  701 Poydras Street, Suite 300 Plaza
  New Orleans, LA 70139-0300

  Please write your loan number on the check to ensure proper credit to your escrow account. Please do not include with your monthly mortgage payment. A new coupon book will be sent to you automatically, within thirty days.

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AutoPay
Tired of writing checks? Make life a little simpler. Pay your monthly mortgage payment without leaving the comfort of your home and without writing a check!

Instructions:
Complete the authorization form and register for eStatus to use the AutoPay feature.

Once registered click on the "Payment Options" tab within eStatus to view the AutoPay online payment options that are available to you. It's that easy!

AutoPay benefits:

• Reduce your cost of checks and stamps.
• Reduce the amount of time you spend writing checks.
• Eliminates the possibilities of lost or misdirected payments.
• If you sign up for "recurring" billing, AutoPay even takes care of paying your bill when you're on vacation!
• Autopay will confirm receipt of a scheduled payment via e-mail.
  
  
  This free service is available to all Standard Mortgage® customers from the 1st to the 10th of each month.

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Standard Voice 24

You can now retrieve your account information by accessing Standard Voice 24, our new interactive voice response system. Simply call (504) 569-3921 or (800) 448-4190.

When prompted, please enter your loan number and last four digits of your social security number.

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FAQ

To use eStatus you must at a minimum, be using Internet Explorer version 5.0 or greater and it is required that Internet Explorer be using 128-bit encryption, set to accept cookies, and Java scripts need to be enabled.

**Note** When selecting an eStatus password, both alpha and numeric characters (letters and numbers only) must now be used. No other types of characters will be accepted. Also, passwords must be from a minimum of 6 characters to a maximum of 8 characters long. Incorrectly entered passwords will receive the following error message: “Password is required to consist of alpha and numeric characters. Please try again.”

What is eStatus?

Current loan balances

12-month payment history

Year-to-date totals

Payment due dates

And a whole lot more!

Don't forget...
By registering for eStatus you will, also, be able to PAY your mortgage online with AutoPay.

What does it mean when I try to log on to eStatus and I get an error message which states: “ Unable to connect to data source?”
This will occur when our database is down for maintenance. This happens infrequently during normal business hours. However, we do bring our system down on a daily basis, around 5 pm, for a data backup and end of day processing. This interruption normally lasts only around ten minutes.

Why am I getting the message "The Page Cannot Be Displayed" message when trying to view eStatus on your Web Site?
This may occur if your computer is not using 128-bit encryption.
To determine the current level of encryption on your computer, click About Internet Explorer on the Help menu. The level of encryption on your computer is displayed next to the words "Cipher Strength."

If the cipher strength on your computer is not 128 bits, download and install the encryption pack appropriate for your operating system to upgrade your computer to 128-bit encryption.

To locate the Internet Explorer High Encryption Pack and other updates for Microsoft’s Internet Explorer, click on: http://www.microsoft.com/windows/ie/default.asp

What are cookies?
Cookies, small text files stored on your hard disk, contain data you provide or information about the choices you make when visiting a Web site. In order to sign in to eStatus, your Web browser must be set to accept cookies.

How do I enable cookies?
If you are running Microsoft Internet Explorer, go to ‘Tools’ and select ‘Internet Options’ and when that window pops up click on the security tab, then there should be a custom level button. Click that and you get a list of options. Look for the one like "Allow cookies that are stored on your computer" either enable it or set it to prompt you.

How do I check Internet Explorer to see if it is configured to run Java programs automatically?
First, you must be using at least Internet Explorer 5.0. Open ‘Internet Explorer’ to any website (for example, http://www.stanmor.com ). On the ‘Tools’ menu, click ‘Internet Options’, click the ‘Security’ tab, click the ‘Internet’ Web content zone, and then click ‘Custom Level’.

In the ‘Settings’ box, under ‘Java Permissions’, make sure ‘Disable Java’ is not selected, click OK and then click OK again.

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