Office of the Commissioner of Banks

Beverly E. Perdue Governor November 14, 2012 Mekeisha Vicks & Jason Vicks 2002 Master Gunner Court Indian Trail, NC 28079 Re: Complaint against Homeward Residential, Inc.: File No. 2012-2255 Dear Mr. and Ms. Vicks: The North Carolina Office of the Commissioner of Banks (NCCOB) received a response to our letter sent on your behalf. The enclosed response is provided to facilitate communication between you and the respondent. NCCOB is charged with the duty to license, examine and supervise financial services firms under its jurisdiction and to enforce state laws applicable to financial services firms. NCCOB does not provide legal advice or represent private citizens or legal entities in any legal matter. If you are not satisfied with the respondent's reply please contact the company directly. Also, should you wish to pursue this matter further, you may want to consider consulting with a private attorney or legal services provider to determine if you have private legal rights or remedies. Sincerely, Ray Grace Commissioner of Banks

Jennifer Winborne Consumer Affairs Enclosures cc: Homeward Residential, Inc.

Location: 316 W. Edenton Street, Raleigh, NC 27603 Mailing Address: 4309 Mail Service Center, Raleigh, NC 27699-4309 (919) 733-3016 Fax (919) 733-6918 Internet: www.nccob.org An Equal Opportunity / Affirmative Action Employer