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EXHIBIT 5
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September 13, 2012 WE ARE CANCELLING

THE REMAINING AMOUNT
YOU OWE CHASE!
Yvonne D Harrity
Edward A Harrity
16445 El Centro St
Hesperia, CA 92345-5813
Property Address: 16445 El Centro St
Hesperia, CA 92345

Dear Yvonne D Harrity and Edward A Harrity:

We are writing to let you know that we are cancelling the amount you owe Chase on the loan referenced
below, totaling $200,089.85, as a result of a recent mortgage servicing settlement reached with the
states and federal government.

This means you will owe nothing more on the loan and your debt will be cancelled. You don’t
need to sign or return anything for this to happen.

As part of cancelling the amount you owe, we will:

• Report the cancellation of your debt to the Internal Revenue Service.

If you have questions about how this affects your taxes, please contact your tax advisor.
• Report the cancellation of your debt to various credit bureau reporting agencies.
We do not know what, if any, effect this will have on your credit score.
• Release the lien held by Chase and forward the release to your county records office
for processing. Depending on your county’s procedures, this may take several months.
• No longer pay property taxes or insurance on your behalf if this was part of your mortgage.
Your escrow account as well as any optional insurance product will close.
• Refund any remaining escrow balances on the account you are entitled to.
• No longer be responsible for securing the property and/or providing maintenance required
by the city if the property is vacant.

All you need to do:

• Contact your insurance company and/or taxing authority to make arrangements for paying any
remaining or new amounts due.
• Pay any taxes and/or insurance premiums associated with the property.
• Provide your address to your homeowners’ insurance agent, as well as your taxing authority, so
they will forward future bills and correspondence directly to your address.

If you have any questions, call us at 877-836-3040.

Sincerely,
Your account number:
100900426370383518

Patrick Boyle
Vice President
Please see important disclosures on the next page.

263547 DOJREC_GEN 16634

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We are a debt collector.

Keep this letter with your other mortgage documents for your records.

If you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney’s
name, address and telephone number.

To the extent your original obligation was 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 an attempt to collect a debt or to impose personal liability for such obligation.

2012 JPMorgan Chase & Co. JPMorgan Chase Bank, N.A. 17131-DOJ-REC-RR736
 Case 1:15-cv-00293-LTS-JCF Document 65-5 Filed 08/24/15 Page 24 of 49

FREQUENTLY ASKED QUESTIONS

Q: Why are you cancelling the amount I owe?
A: Chase and four other mortgage servicers have agreed to a mortgage servicing settlement with the
states and federal government. As part of the settlement, we are waiving your mortgage balance.
For more information, visit nationalmortgagesettlement.com.

Q: What are the benefits of cancelling the amount I owe?

A: You will never have to pay back this money and you owe nothing more on your account.

Q: What are the effects of cancelling the amount I owe?

A: The cancellation of your debt will be reported to the credit bureaus, but we do not know the impact,
if any, this will have on your credit score. Cancelling the amount you owe on your account may also
have tax implications. Please consult with your tax advisor to discuss those possible implications.

Q: Will Chase release the lien on my property?

A: Yes. We will release the lien held by Chase and forward the release to your county records office
for processing. Depending on your county’s procedures, this may take several months.

Q: Do I need to sign and return anything to accept this offer?

A: No action is needed on your part. Keep this letter with your other mortgage documents for
your records.

Q: What if I do not want my mortgage balance cancelled?

A: There are no closing costs or fees for this change. It is part of the mortgage servicing settlement
with the states and federal government. However, if you don’t want your debt cancelled, you must
call us at the telephone number listed on the front of the letter by October 1, 2012.

17131-DOJ-REC-RR736 FAQ

263547 DOCREC_FAQ 16634

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September 13, 2012 WE ARE CANCELLING

THE REMAINING AMOUNT
OWED TO CHASE!
Teresa M Hancock
204 New Haven Ave Unit 8E
Derby, CT 06418-2150
Property Address: 204 New Haven Avenue 8E
Derby, CT 06418

Dear Teresa M Hancock:

We are writing to let you know that we are cancelling the amount owed to Chase on the loan referenced
below, totaling $28,209.15, as a result of a recent mortgage servicing settlement reached with the
states and federal government.

This means nothing more is owed on the loan and the debt will be cancelled. Nothing needs
to be signed or returned for this to happen.

As part of cancelling the amount owed, we will:

• Report the cancellation of the debt to the Internal Revenue Service.

If you have questions about how this affects your taxes, please contact your tax advisor.
• Report the cancellation of the debt to various credit bureau reporting agencies.
We do not know what, if any, effect this will have on your credit score.
• Release the lien held by Chase and forward the release to your county records office
for processing. Depending on your county’s procedures, this may take several months.
• No longer pay property taxes or insurance on the property if this was part of the mortgage.
The escrow account as well as any optional insurance product will close.
• Refund any remaining escrow balances on the account to you.
• No longer be responsible for securing the property and/or providing maintenance required
by the city if the property is vacant.

All you need to do:

• Contact your insurance company and/or taxing authority to make arrangements for paying any
remaining or new amounts due.
• Pay any taxes and/or insurance premiums associated with the property.
• Provide your address to your homeowners’ insurance agent, as well as your taxing authority, so
they will forward future bills and correspondence directly to your address.

If you have any questions, call us at 877-836-3040.

Sincerely,
Your account number:
100900427011269656

Patrick Boyle
Vice President
Please see important disclosures on the next page.

263549 DOJREC_BK 1389

 Case 1:15-cv-00293-LTS-JCF Document 65-5 Filed 08/24/15 Page 35 of 49

Keep this letter with your other mortgage documents for your records.

If you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney’s
name, address and telephone number.

To the extent your original obligation was 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 an attempt to collect a debt or to impose personal liability for such obligation.

2012 JPMorgan Chase & Co. JPMorgan Chase Bank, N.A. 17131-DOJ-REC-RR738 BK
 Case 1:15-cv-00293-LTS-JCF Document 65-5 Filed 08/24/15 Page 36 of 49

FREQUENTLY ASKED QUESTIONS

Q: Why are you cancelling the amount owed to Chase?
A: Chase and four other mortgage servicers have agreed to a mortgage servicing settlement with the
states and federal government. As part of the settlement, we are waiving the mortgage balance.
For more information, visit nationalmortgagesettlement.com.

Q: What are the benefits of cancelling the amount owed?

A: Nothing more is owed on the account.

Q: What are the effects of cancelling the amount owed?

A: The cancellation of the debt will be reported to the credit bureaus, but we do not know the impact,
if any, this will have on your credit score. Cancelling the amount owed on the account may also
have tax implications. Please consult with your tax advisor to discuss those possible implications.

Q: Will Chase release the lien on the property?

A: Yes. We will release the lien held by Chase and forward the release to your county records office
for processing. Depending on your county’s procedures, this may take several months.

Q: Do I need to sign and return anything to accept this offer?

A: No action is needed on your part. Keep this letter with your other mortgage documents for
your records.

Q: What if I do not want the mortgage balance cancelled?

A: There are no closing costs or fees for this change. It is part of the mortgage servicing settlement
with the states and federal government. However, if you don’t want the debt cancelled, you must
call us at the telephone number listed on the front of the letter by October 1, 2012.

17131-DOJ-REC-RR738 FAQ

263549 DOCREC_FAQ 1389

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