First International Bank & Trust 1 Corporate Drive, Suite 360 Lake Zurich, IL 60047-8945
ANTICIPATED ESCROW ACCOUNT DISBURSEMENTS COUNTY TAX HAZARD INS Total
ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT AND CHANGE OF PAYMENT NOTICE PREPARED FOR
$2,295.90 $1,235.00 $3,530.90
1
ACCOUNT NUMBER: ESCROW ANALYSIS DATE: 05/16/2026
NEW PAYMENT IS AS FOLLOWS: Principal and Interest Required Escrow Payment Shortage/Surplus Spread Optional Coverages Buydown or Assistance Payments Other
+ 2101827 000014142 2055
$1,610.17 $294.25
Total Payment New Payment Effective Date:
$1,904.42 07/01/2026
First International Bank & Trust has completed an analysis of your escrow account, and has adjusted your mortgage payment to reflect changes in your real estate taxes or property insurance. The escrow items to be disbursed from your account over the next twelve months are itemized above.
2
ESCROW ACCOUNT PROJECTION FOR THE COMING YEAR
The following estimate of activity in your escrow account from 07/2025 through 06/2026 is provided for your information. All payments we anticipate receiving as well as disbursements we anticipate making on your behalf are included, along with the Projected Escrow Account Balance, derived by carrying forward your current actual escrow balance. The Required Escrow Account balance displays the amount actually required to be on hand as specified by Federal law, State law and your mortgage documents, and may include a cushion of up to 1/6th of your Annual Disbursements. Please retain this statement for comparison with the actual activity in your account at the end of the next escrow account computation year. PAYMENTS TO ESCROW ACCOUNT MONTH STARTING BAL JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN Total
-----------------------MIP/PMI
$294.25 $294.25 $294.25 $294.25 $294.25 $294.25 $294.25 $294.25 $294.25 $294.25 $294.25 $294.25
PAYMENTS FROM ESCROW ACCOUNT ------------------------------------------------------TAXES FLOOD HAZ. INS. SPECIAL
$1,147.95
$2,354.00 $2,648.25 $2,942.50 $3,236.75 $1,148.05 $1,442.30 $1,736.55 $2,030.80 $2,325.05 $2,619.30 $1,765.60 $2,059.85 $2,354.10
$1,235.00
$1,147.95
$2,295.90
ESCROW ACCOUNT BALANCE PROJECTED REQUIRED $1,205.95 $1,500.20 $1,794.45 $2,088.70 $0.00 * $294.25 $588.50 $882.75 $1,177.00 $1,471.25 $617.55 $911.80 $1,206.05
$1,235.00
*Indicates your projected low point of $1,148.05. Your required reserve balance is $0.00. The difference between the projected low point and required reserve balance is $1,148.05. This is your escrow surplus amount. The escrow surplus amount in your escrow account is $50.00 or more. The surplus amount will be refunded to you in the form of a check that either (a) is included with this statement or (b) if your loan is current as of the date of the escrow analysis and your refund check is not included with this statement, it will be mailed to you within 30 days. If you have questions regarding this analysis, please write our Customer Service Department at First International Bank & Trust, 1 Corporate Drive, Suite 360, Lake Zurich, IL 60047-8945 or call toll free 1-855-580-4689, Monday through Friday, 8:00 am to 5:00 pm, CST.
THIS DOCUMENT IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU ARE IN BANKRUPTCY OR HAVE BEEN DISCHARGED IN BANKRUPTCY, THIS LETTER IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT IN VIOLATION OF THE AUTOMATIC STAY OR THE DISCHARGE INJUNCTION OR AN ATTEMPT TO RECOVER ALL OR ANY PORTION OF THE DEBT FROM YOU PERSONALLY.
First International Bank & Trust
2-1 710
JPMorgan Chase Chicago, IL 60603
1 Corporate Drive, Suite 360 Lake Zurich, IL 60047
0007644425
CHECK NUMBER
CHECK DATE
0007644425
05/17/23
FOR PAYMENT OF ESCROW TO MORTGAGOR
V O I D
**ONE THOUSAND ONE HUNDRED FORTY-EIGHT AND 05/100 DOLLARS**
PAY TO THE ORDER OF
JOHN LUCIE NADIA LUCIE 15428 S 38TH ST PHOENIX AZ 85044
PAYEE 1495688820
AMOUNT
$1,148.05
VOID AFTER 90 DAYS CHECKS $25000 OR MORE REQUIRE TWO SIGNATURES
Disbursement Clearing Account
<0007644425<C:071000013:CCCCCC837791661<
AUTHORIZED SIGNATURE