&l3A&l0o0l6d3E*p0Y*v0t0n0O(8U(s0p10h12v0s0b3T*p299x70YDSI TEST LENDER FOR HOWARD*p1843x70Y100HH*p195x134YFCW*p1737x134YJIM JONES INC*p195x182YCONVENTIONAL*p959x182YPURCHASE*p1779x182YFixed Rate*p253x232YGPM: 3050*p929x232Y1000100*p1903x286Y03/27/2007*p1077x334Y03/28/2007*p1835x338Y05/01/2007*p1935x388Y05/01/2007*p329x436YClosing Company*p1075x436YSALLY SMITH&k8H*p1743x436YJIM JONES INC, NORTH BRANCH&k12H*p231x670YHOWARD H SAMPLE XXX-XX-3333*p161x714YHANK*p1425x670Y *p1103x670YI*p237x804Y *p1427x802Y *p237x942Y *p1425x942Y *p301x1076YHOWARD H SAMPLE, A SINGLE MAN AS HIS SOLE AND SEPARATE PROPERTY*p299x1212Y1234 MAIN ST, PICO RIVERA, CALIFORNIA 90660*p179x1304YGLENN A SAMPLE*p283x1350Y5555 MAIN ST, PICO RIVERA, CALIFORNIA 90660*p329x1532Y5430 ROSEMEAD BLVD*p1341x1580YCALIFORNIA*p159x1580YLOS ANGELES*p1313x1532YPICO RIVERA*p2015x1580Y90660*p307x1630YYes*p1011x1630YSingle Family*p1481x1682YNo*p199x2202YFixed Rate*p333x2246Y400,000.00*p283x2300Y360,000.00*p479x2352Y360*p303x2604Y31 days @ $64.1096 = $1,987.40*p295x2648YNo*p875x2204Y3050*p947x2248Y380,000.00*p1061x2300Y 6.500*p905x2350Y1,867.03*p2101x2550YNo*p1873x2604YBorrower*p2091x2648YNo&k8H*p1711x2204Y2.00% (Adj: 12 Mos/Term: 12 Mos)&k12H*p1695x2300Y360&k10H*p1821x2350Y07/01/2007&k12H*p301x3350YL*p411x3350Y 200.00*p687x3350YB*p813x3350YN*p1019x2872YN&k10H*p1129x2872YTITLE DOCUMENT FEE&k12H*p1753x2870YL*p1843x2870Y 100.00*p2141x2868YB*p2269x2868YN*p1019x2918YY&k10H*p1129x2914YCLOSING FEE&k12H*p1753x2916YL*p1843x2916Y 300.00*p2141x2914YB*p2269x2914YN*p1019x2960YY&k10H*p1129x2958YBUYDOWN FEE&k12H*p1753x2958YL*p1843x2958Y 50.00*p2141x2956YB*p2269x2956YN*p1459x3306YL*p1571x3306Y1.000*p2133x3306YB*p2267x3306YN*p1899x38Y&a-1R100HH_2*p13x1770YSEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS EXHIBIT "A".*p13x1820YA.P.N.: 334455*p191x334Y05/01/2007*r3F&l0o8c1E*t300R&l1X (9U(s4148t3b0s18v1P)6J)s4148t3b0s18v1P&d@*v0o0T(s16006Z*p0x106Y*c2382a15b0P*p193Y*c4a5b0P*p198Y*c4a6b0P*p544Y*c4a2b0P*p546Y*c2381a17b0P*p638Y*c4a5b0P*p643Y*c4a3b0P*p1496Y*c2381a14b0P*p1585Y*c4a5b0P*p1590Y*c4a8b0P*p2176Y*c2381a3b0P*p2254Y*c4a5b0P*p2259Y*c4a19b0P*p2754Y*c4a7b0P*p2761Y*c2381a17b0P*p2853Y*c2381a3b0P*p4x193Y*c2377a4b0P*p545Y*c2377a1b0P*p638Y*c2377a4b0P*p1492Y*c2359a4b0P*p1585Y*c2377a4b0P*p2161Y*c2359a15b0P*p2254Y*c2377a4b0P*p2760Y*c2377a1b0P*p2856Y*c2359a1b0P*p2363x197Y*c18a7b0P*p544Y*c18a1b0P*p642Y*c18a4b0P*p1589Y*c18a9b0P*p2258Y*c18a20b0P*p2754Y*c18a6b0P*p288x2974Y*r1A*b2M*b60W*b69W*p3017Y*b42W*b51W*p3061Y*b60W*b69W*p3104Y*b60W*b69W*p3148Y*b42W*b51W*p3191Y*b60W*b69W*p3235Y*b60W*b69W*p3278Y*b60W*b69W*p3322Y*b26W*b26W*p3365Y*b26W*b26W*p3409Y*b60W*b60W*p3452Y*b60W*b60W*p3496Y*b60W*b60W*p3539Y*b67W*b67W*p3583Y*b26W*b26W*p3626Y*b46W*b46W*p3670Y*b46W*b46W*p3713Y*b53W*b53W*p3840Y*b0M*rB*p0x3842Y*c2381a16b0P*p4x3840Y*c2359a2b0P*p2066x3894Y*c10a1b0P*p2079X*c21a1b0P*p2056x3895Y*r1A*b2M*b7W*b0M*rB*p1888x3896Y*r1A*b2M*b23W?>0*b23W?> *b24W?>*b18W*b32W|*b39W%||sxcp*b39W%x|x À<8*b39W%??? Æ*b39W%χ~?0||*b38W$|>||`*b38W$>?<|A*b0M*rB*p1880x3907Y*r1A*b2M*b40W&>>|A?*b40W&>>|A?*b40W&>~> 00*b40W&>~> *b40W&>|~>8 *b40W&||~>  <*b40W&|||> `*b40W&~??0   a*b40W&?0@" A0*b40W&0 `0A`*b40W&|?0 00A`*b36W?<>????*b15W*b6W|*b5W*b5W?*b5W*b5W*b0M*rB*p96Y DOCUMENT SYSTEMS, INC.(9U(s4148t3b1s13v1P)6J)s4148t3b1s13v1P&d@*p1125XLoan Document Worksheet #(9U(s4148t3b0s9v1P)6J)s4148t3b0s9v1P&d@*p167Y Company Name:*p1593XAccount No.:(9U(s4148t3b0s7v1P)6J)s4148t3b0s7v1P&d@*p12x228YPLAN CODE:*p806XALT. LENDER CODE:*p1600XBROKER:*p12x279YLOAN TYPE:*p806XPURPOSE:*p1600XRATE TYPE:*p12x330YPAYMENT TYPE:*p806XLOAN #:*p1600XMIN #:*p12x381YCASE #:*p806XFHA SECTION NO.:*p1600XAPPLICATION DATE:*p12x432YRATE LOCK:*p806XDOCUMENT DATE:*p1600XCLOSING DATE:*p12x483YSIGNING DATE:*p806XCANCEL DATE:*p1600XDISBURSEMENT DATE:*p12x532YLOAN PROCEEDS TO:*p806XREPRESENTATIVE:*p1600XBRANCH:(9U(s4148t3b0s10v1P)6J)s4148t3b0s10v1P&d@*p25x614YBORROWERS/SELLERS (9U(s4148t3b0s7v1P)6J)s4148t3b0s7v1P&d@*p13x681YCORPORATE/TRUST NAME:*p1077x722YType* *p13x767YBORROWER #1:*p1200XBORROWER #2:*p13x812YAKA/POA:*p1200XAKA/POA:*p13x902YBORROWER #3:*p1200XBORROWER #4:*p13x949YAKA/POA:*p1200XAKA/POA:*p13x1039YBORROWER #5:*p1200XBORROWER #6:*p13x1084YAKA/POA:*p1200XAKA/POA:*p13x1174YVESTING TO READ:*p13x1309YMAILING ADDRESS:*p13x1354YSELLER CORPORATE/TRUST NAME:*p13x1397YSELLER #1: *p1200XSELLER #2: *p13x1442YSELLER ADDRESS:*p503x1481Y*TYPE: I(9U(s4148t0b0s7v1P)6J)s4148t0b0s7v1P&d@*p621X=Individual (9U(s4148t3b0s7v1P)6J)s4148t3b0s7v1P&d@*p809XT(9U(s4148t0b0s7v1P)6J)s4148t0b0s7v1P&d@*p827X=Title Only (9U(s4148t3b0s7v1P)6J)s4148t3b0s7v1P&d@*p1017XO(9U(s4148t0b0s7v1P)6J)s4148t0b0s7v1P&d@*p1039X=Officer (9U(s4148t3b0s7v1P)6J)s4148t3b0s7v1P&d@*p1191XC(9U(s4148t0b0s7v1P)6J)s4148t0b0s7v1P&d@*p1211X=Co-signer (9U(s4148t3b0s7v1P)6J)s4148t3b0s7v1P&d@*p1399XA(9U(s4148t0b0s7v1P)6J)s4148t0b0s7v1P&d@*p1421X=Attorney (9U(s4148t3b0s7v1P)6J)s4148t3b0s7v1P&d@*p1600XS(9U(s4148t0b0s7v1P)6J)s4148t0b0s7v1P&d@*p1619X=Non-Title Spouse(9U(s4148t3b0s10v1P)6J)s4148t3b0s10v1P&d@*p25x1561YPROPERTY(9U(s4148t3b0s7v1P)6J)s4148t3b0s7v1P&d@*p13x1625YPROPERTY ADDRESS:*p1227XCITY:*p13x1676YCOUNTY:*p1227XSTATE:*p1947XZIP:*p13x1727YOWNER OCCUPIED:*p759XPROPERTY TYPE: *p1809x1731YFLOOD ZONE:*p13x1778YCONDO/PUD NAME:*p1227XSECOND HOME: *p13x1829YLEGAL DESCRIPTION:(9U(s4148t3b0s10v1P)6J)s4148t3b0s10v1P&d@*p25x2230YTERMS(9U(s4148t3b0s7v1P)6J)s4148t3b0s7v1P&d@*p13x2298YRATE TYPE:*p706XGPM TYPE:*p1456XBUYDOWN TYPE:*p13x2342YAPPRAISED VALUE: $*p706XSALES PRICE: $*p1456XAPPROVED JR. LIENS: $*p13x2393YLOAN AMOUNT: $*p706XINITIAL INTEREST RATE*p1306X%*p1456XTERM: (# MOS)*p13x2444YAMORTIZATION TERM: (# MOS)*p706XPAYMENT: $*p1456XFIRST PAYMENT DATE:*p13x2495YINT. CHANGE DATE:*p706XPAYMENT CHANGE DATE:*p1456XMARGIN:*p2056X%*p13x2549YCURRENT INDEX:*p613X%*p706XCEILING (MAX) RATE:*p1306X%*p1456XFLOOR (MIN) RATE:*p2056X%*p13x2600YINITIAL RATE CAP:*p613X%*p706XSUBSEQUENT RATE CAP:*p1306X%*p1456XLIFETIME RATE CAP: *p2056X%*p13x2651YHELOC: Initial Advance $*p706XDraw Period:*p1006X months*p1156X Repayment Period:*p1456X months*p1756X Annual Charge?*p13x2702YPREPAID INTEREST:*p1456XPREPAID INTEREST PAID BY:*p13x2744YPREPAY PENALTY?*p706XPREPAY # MOS:*p1156X SOFT PREPAY # MOS:*p1756X ASSUMABLE?(9U(s4148t3b0s10v1P)6J)s4148t3b0s10v1P&d@*p25x2829YCHARGES/FEES/PREMIUMS(9U(s4148t3b0s7v1P)6J)s4148t3b0s7v1P&d@*p13x2903YCHARGE*p285XFEE TO**p459XAMOUNT*p669XPD BY**POC?*p975XPART APR?*p1209XMISC. 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Ap*b37W*b14W*b6W*b6W*b6W*b5W*b5W*b0M*rB*p3880Y form (9U(s4148t3b0s8v1P)6J)s4148t3b0s8v1P&d@*p83XHUD-1 (9U(s4148t0b0s8v1P)6J)s4148t0b0s8v1P&d@*p198X(3/86)(9U(s4148t0b1s6v1P)6J)s4148t0b1s6v1P&d@*p2221x3899Y800-649-1362(9U(s4148t3b1s8v1P)6J)s4148t3b1s8v1P&d@*p2074x3932Y(9U(s4148t0b0s8v1P)6J)s4148t0b0s8v1P&d@*p3928Y ref. Handbook 4305.2*p3961Y Previous editions are obsolete*p1110XPage 1 of 2(9U(s4148t3b0s11v1P)6J)s4148t3b0s11v1P&d@*p129Y A.(9U(s4148t3b0s12v1P)6J)s4148t3b0s12v1P&d@*p75XSettlement Statement(9U(s4148t3b0s9v1P)6J)s4148t3b0s9v1P&d@*p975XU.S. Department of Housing(9U(s4148t0b0s8v1P)6J)s4148t0b0s8v1P&d@*p1920XOMB Approval No. 2502-0265(9U(s4148t3b0s9v1P)6J)s4148t3b0s9v1P&d@*p975x168Yand Urban Development(9U(s4148t0b0s8v1P)6J)s4148t0b0s8v1P&d@*p2067X(expires 11/30/2009)(9U(s4148t3b0s8v1P)6J)s4148t3b0s8v1P&d@*p216Y B.*p56XType of Loan(9U(s4148t0b0s8v1P)6J)s4148t0b0s8v1P&d@*p309Y 1. *p88X FHA*p206X2. *p294X FmHA*p487X3. *p575X Conv. Unins.*p49x284Y*c2a29B*p536x348Y 4. *p88X VA*p206X5. *p294X Conv. Ins.*p849x270Y6. File Number:*p1329X7. Loan Number:*p1769X8. Mortgage Insurance Case Number:(9U(s4148t3b0s8v1P)6J)s4148t3b0s8v1P&d@*p405Y C.*p56XNote:(9U(s4148t0b0s8v1P)6J)s4148t0b0s8v1P&d@*p187XThis*p252X *p264Xform*p336X *p348Xis*p373X *p385Xfurnished*p528X *p540Xto*p571X *p583Xgive*p646X *p658Xyou*p714X *p726Xa*p744X *p756Xstatement*p911X *p923Xof*p954X *p966Xactual*p1059X *p1071Xsettlement*p1234X *p1246Xcosts.*p187x444Ymarked ~(p.o.c.)" were paid outside the closing; they are shown here for informational purposes and are not included in the totals. *p498Y D.*p56XName & Address of Borrower:*p825XE.*p881XName & Address of Seller:*p1625XF.*p1681XName & Address of Lender:*p747Y G.*p56XProperty Location:*p1165XH.*p1221XSettlement Agent:*p1165x871YPlace of Settlement:*p1965XI.*p2006XSettlement Date:(9U(s4148t3b0s8v1P)6J)s4148t3b0s8v1P&d@*p1042Y J.*p56XSummary of Borrower's Transaction*p1225XK.*p1281XSummary of Seller's Transaction*p1096Y 100.*p87XGross Amount Due From Borrower*p1225X400.*p1312XGross Amount Due to 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5*p941x1870Y 33.33*p1785x1870Y 166.65&k12H*p533x2236Y to: Lender&k10H*p1785x2236Y 300.00&k12H*p505x2440Y to: Lender&k10H*p1785x2440Y 100.00&k12H*p131x2848Y *p129x2900Y *p129x2950Y *p131x3224Y *p131x3280Y *p129x3502Y *p129x3556Y *p129x3610Y &k10H*p1785x3686Y 6,604.05(s1p8v0s3b16602T&k10h12H*p1231x90Y@ % =*r3F&l0o8c1E*t300R&l1X 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Ap*b37W*b14W*b6W*b6W*b6W*b5W*b5W*b0M*rB*p3880Y form (9U(s4148t3b0s8v1P)6J)s4148t3b0s8v1P&d@*p83XHUD-1 (9U(s4148t0b0s8v1P)6J)s4148t0b0s8v1P&d@*p198X(3/86)(9U(s4148t0b1s6v1P)6J)s4148t0b1s6v1P&d@*p2221x3899Y800-649-1362(9U(s4148t3b1s8v1P)6J)s4148t3b1s8v1P&d@*p2074x3932Y(9U(s4148t0b0s8v1P)6J)s4148t0b0s8v1P&d@*p3928Y ref. Handbook 4305.2*p3961Y Previous editions are obsolete*p1110XPage 2 of 2(9U(s4148t3b0s8v1P)6J)s4148t3b0s8v1P&d@*p115Y L.*p56XSettlement Charges*p180Y 700.*p131XTotal Sales/Broker's Commission based on price $(9U(s4148t0b0s8v1P)6J)s4148t0b0s8v1P&d@*p1863x202YPaid From*p1855x241YBorrower's*p1874x280YFunds at*p1856x319YSettlement*p2173x202YPaid From*p2188x241YSeller's *p2184x280YFunds at*p2166x319YSettlement*p131x234YDivision of Commission (line 700) as follows:*p288Y 701.*p131X$*p900Xto*p342Y 702.*p131X$*p900Xto*p396Y 703.*p131XCommission paid at Settlement*p450Y 704.(9U(s4148t3b0s8v1P)6J)s4148t3b0s8v1P&d@*p507Y 800.*p131XItems Payable In Connection With Loan(9U(s4148t0b0s8v1P)6J)s4148t0b0s8v1P&d@*p564Y 801.*p131XLoan Origination Fee*p615Y 802.*p131XLoan Discount*p666Y 803.*p131XAppraisal Fee*p717Y 804.*p131XCredit Report*p768Y 805.*p131XLender's Inspection Fee*p819Y 806.*p131XMortgage Insurance Application Fee *p870Y 807.*p131XAssumption Fee*p921Y 808.*p972Y 809.*p1023Y 810.*p1074Y 811.*p1125Y 812.*p1176Y 813.*p1227Y 814.*p1278Y 815.*p1329Y 816.*p1380Y 817.(9U(s4148t3b0s8v1P)6J)s4148t3b0s8v1P&d@*p1434Y 900.*p131XItems Required By Lender To Be Paid In Advance(9U(s4148t0b0s8v1P)6J)s4148t0b0s8v1P&d@*p1491Y 901.*p131XInterest from to @ $*p1350X/day*p1542Y 902.*p131XMortgage Insurance Premium for *p693Xmonths to*p1593Y 903.*p131XHazard Insurance Premium for *p654Xyears to*p1644Y 904.*p131X *p576Xyears to*p1695Y 905.(9U(s4148t3b0s8v1P)6J)s4148t3b0s8v1P&d@*p1749Y 1000.*p131XReserves Deposited With Lender(9U(s4148t0b0s8v1P)6J)s4148t0b0s8v1P&d@*p1806Y 1001.*p131XHazard insurance *p750Xmonths @ $*p1350Xper month*p1857Y 1002.*p131XMortgage insurance*p750Xmonths @ $*p1350Xper month*p1908Y 1003.*p131XCity property taxes*p750Xmonths @ $*p1350Xper month*p1959Y 1004.*p131XCounty property taxes*p750Xmonths @ $*p1350Xper month*p2010Y 1005.*p131XAnnual assessments*p750Xmonths @ $*p1350Xper month*p2061Y 1006.*p750Xmonths @ $*p1350Xper month*p2112Y 1007.*p750Xmonths @ $*p1350Xper month*p2163Y 1008.*p750Xmonths @ $*p1350Xper month*p2214Y 1009.(9U(s4148t3b0s8v1P)6J)s4148t3b0s8v1P&d@*p2268Y 1100.*p131XTitle Charges(9U(s4148t0b0s8v1P)6J)s4148t0b0s8v1P&d@*p2325Y 1101.*p131XSettlement or closing fee*p2376Y 1102.*p131XAbstract or title search*p2427Y 1103.*p131XTitle examination*p2478Y 1104.*p131XTitle insurance binder*p2529Y 1105.*p131XDocument preparation*p2580Y 1106.*p131XNotary fees*p2631Y 1107.*p131XAttorney's fees*p131x2682Y(includes above items numbers:*p1745x2733Y 1108.*p131XTitle insurance*p131x2784Y(includes above items numbers:*p1745x2835Y 1109.*p131XLender's coverage*p750X$*p2886Y 1110.*p131XOwner's coverage*p750X$*p2937Y 1111.*p2988Y 1112.*p3039Y 1113.(9U(s4148t3b0s8v1P)6J)s4148t3b0s8v1P&d@*p3093Y 1200.*p131XGovernment Recording and Transfer Charges(9U(s4148t0b0s8v1P)6J)s4148t0b0s8v1P&d@*p3150Y 1201.*p131XRecording fees:*p525XDeed $ (9U(s4148t0b0s10v1P)6J)s4148t0b0s10v1P&d@*p647X (9U(s4148t0b0s8v1P)6J)s4148t0b0s8v1P&d@*p900X; 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Ap*b37W*b14W*b6W*b6W*b6W*b5W*b5W*b0M*rB*p3898Y FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT(9U(s4148t0b1s6v1P)6J)s4148t0b1s6v1P&d@*p2221x3902Y800-649-1362(9U(s4148t3b1s8v1P)6J)s4148t3b1s8v1P&d@*p2074x3935Y(9U(s4148t0b0s8v1P)6J)s4148t0b0s8v1P&d@*p3931Y 05/17/06(9U(s4101t3b0s12v1P)6J)s4101t3b0s12v1P&d@*p492x73YFEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT(9U(s4101t0b0s9v1P)6J)s4101t0b0s9v1P&d@*p617x122Y(THIS IS NEITHER A CONTRACT NOR A COMMITMENT TO LEND)*p222Y Loan Number:*p1575XDate:*p272Y Creditor:*p322Y Address:*p422Y Borrower(s):*p522Y Address:*p621Y Lines containing an "x" are applicable:(9U(s4101t3b0s10v1P)6J)s4101t3b0s10v1P&d@*p18x714YANNUAL*p18x763YPERCENTAGE*p18x812YRATE(9U(s4101t0b0s7v1P)6J)s4101t0b0s7v1P&d@*p18x850YThe cost of your credit as*p18x885Ya yearly rate(9U(s4101t0b0s8v1P)6J)s4101t0b0s8v1P&d@*p378x1029Y%(9U(s4101t3b0s10v1P)6J)s4101t3b0s10v1P&d@*p498x714YFINANCE*p498x763YCHARGE(9U(s4101t0b0s7v1P)6J)s4101t0b0s7v1P&d@*p498x836YThe dollar amount the*p498x871Ycredit will cost you.(9U(s4101t0b0s8v1P)6J)s4101t0b0s8v1P&d@*p498x1030Y$(9U(s4101t3b0s10v1P)6J)s4101t3b0s10v1P&d@*p977x714YAmount*p977x763YFinanced(9U(s4101t0b0s7v1P)6J)s4101t0b0s7v1P&d@*p977x836YThe amount of credit provided*p977x871Yto you or on your behalf.(9U(s4101t0b0s8v1P)6J)s4101t0b0s8v1P&d@*p977x1030Y$(9U(s4101t3b0s10v1P)6J)s4101t3b0s10v1P&d@*p1457x714YTotal of*p1457x763YPayments(9U(s4101t0b0s7v1P)6J)s4101t0b0s7v1P&d@*p1457x836YThe amount you will have*p1457x871Ypaid after you have made all*p1457x906Ypayments as scheduled.(9U(s4101t0b0s8v1P)6J)s4101t0b0s8v1P&d@*p1457x1030Y$(9U(s4101t3b0s10v1P)6J)s4101t3b0s10v1P&d@*p1995x712YTotal Sale*p1942x685Y*c2a37B*p1995x762YPrice(9U(s4101t0b0s7v1P)6J)s4101t0b0s7v1P&d@*p1937x852YThe total cost of your*p1937x887Ypurchase on credit including*p1937x922Yyour down-payment of(9U(s4101t0b0s8v1P)6J)s4101t0b0s8v1P&d@*p1937x973Y$*p1937x1031Y$(9U(s4101t0b0s9v1P)6J)s4101t0b0s9v1P&d@*p18x1110YPAYMENTS: Your payment schedule will be:(9U(s4101t0b0s7v1P)6J)s4101t0b0s7v1P&d@*p18x1162YNumber of*p273XAmount of*p528XWhen Payments*p18x1197YPayments*p273XPayment ***p528XAre Due*p814x1162YNumber of*p1069XAmount of*p1324XWhen Payments*p814x1197YPayments*p1069XPayment ***p1324XAre Due*p1621x1162YNumber of*p1876XAmount of*p2131XWhen Payments*p1621x1197YPayments*p1876XPayment ***p2131XAre Due(9U(s4101t0b0s6v1P)6J)s4101t0b0s6v1P&d@*p528x1243Y *p585XMonthly Beginning*p1324X *p1380XMonthly Beginning*p2131X *p2187X(9U(s4101t0b0s8v1P)6J)s4101t0b0s8v1P&d@*p18x2051Y______ (9U(s4101t3b0s8v1P)6J)s4101t3b0s8v1P&d@*p130XDEMAND FEATURE:(9U(s4101t0b0s8v1P)6J)s4101t0b0s8v1P&d@*p458X This obligation has a demand feature.*p18x2131Y______*p120X (9U(s4101t3b0s8v1P)6J)s4101t3b0s8v1P&d@*p134XVARIABLE*p309X *p323XRATE*p415X *p429XFEATURE:(9U(s4101t0b0s8v1P)6J)s4101t0b0s8v1P&d@*p598X(9U(s4101t3b0s8v1P)6J)s4101t3b0s8v1P&d@*p18x2421YINSURANCE:(9U(s4101t0b0s8v1P)6J)s4101t0b0s8v1P&d@*p243XThe following insurance is required to obtain credit:*p243x2471Y______ Credit life insurance and credit disability*p944X______ Property Insurance*p1346X______ Flood Insurance*p1710X______ Mortgage Insurance*p243x2521YYou may obtain property insurance from any insurer that is acceptable to the Lender.(9U(s4101t3b0s8v1P)6J)s4101t3b0s8v1P&d@*p18x2571YSECURITY:(9U(s4101t0b0s8v1P)6J)s4101t0b0s8v1P&d@*p243XYou are giving a security interest in:*p318x2621Y______ The goods or property being purchased*p1002X______ Real property you already own.(9U(s4101t3b0s8v1P)6J)s4101t3b0s8v1P&d@*p18x2671YFILING FEES:(9U(s4101t0b0s8v1P)6J)s4101t0b0s8v1P&d@*p281X $(9U(s4101t3b0s8v1P)6J)s4101t3b0s8v1P&d@*p18x2721YLATE CHARGE:(9U(s4101t0b0s8v1P)6J)s4101t0b0s8v1P&d@*p300XIf payment is more than _____________________ days late, you will be charged _______________________% of the payment.(9U(s4101t3b0s8v1P)6J)s4101t3b0s8v1P&d@*p18x2771YPREPAYMENT:(9U(s4101t0b0s8v1P)6J)s4101t0b0s8v1P&d@*p262X *p300XIf you pay off early, you*p18x2821Y______ may*p300X______ will not*p570Xhave to pay a penalty.*p18x2871Y______ may*p300X______ will not*p570Xbe entitled to a refund of part of the finance charge.(9U(s4101t3b0s8v1P)6J)s4101t3b0s8v1P&d@*p18x2921YASSUMPTION:(9U(s4101t0b0s8v1P)6J)s4101t0b0s8v1P&d@*p281XSomeone buying your property*p18x2971Y______ may*p300X______ may, subject to conditions*p847X______ may not *p1125X assume the remainder of your loan on the original terms.*p18x3021YSee your contract documents for any additional information about nonpayment, default, any required repayment in full before the scheduled date and prepayment refunds*p18x3071Yand penalties.*p18x3121Y______ "e" means an estimate*p521X______ all dates and numerical disclosures except the late payment disclosures are estimates.*p132x3177YEach of the undersigned acknowledge receipt of a complete copy of this disclosure. 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Fee*p363x1453YNotary Fee*p363x1500YTitle Ins. Premium*p363x1546YRecording Fee*p326x2073YLoan Proceeds to:*p326x2244YAMOUNT FINANCED *p1920X$*p326x2290YPrepaid Finance Charge *p1920X$*p326x2374YItemization of Prepaid Finance Charge:*p1651XLoan Amount *p1920X$*p1604x2361Y*c12a12B*p1603X*c2a11B*p70x2457Y801*p70x2504Y802*p70x2550Y806*p70x2643Y901*p70x2690Y902*p70x2736Y1002*p70x2783Y808*p326x2457YLoan Origination Fee*p326x2504YLoan Discount Fee*p326x2550YTax Service Fee*p326x2597YPrepaid Interest ( days)*p326x2643Y@ % per annum*p326x2690YMtge. Ins. Premium*p326x2736YMtge. Ins. Reserves*p326x2783YOrigination Fee*p326x3294YTotal Prepaid Finance Charge*p1181X(9U(s4101t3b0s10v1P)6J)s4101t3b0s10v1P&d@*p1689x2753YThis form does*p1959X *p1972Xnot*p2030X *p2043Xcover all items*p1689x2799Yyou*p1754X *p1764Xwill*p1830X *p1841Xbe*p1882X *p1893Xrequired*p2046X *p2057Xto*p2092X *p2103Xpay*p2168X *p2179Xin*p2214X *p2225Xcash*p1689x2846Yat*p1724X *p1731Xsettlement,*p1927X *p1934Xf*p1949Xo*p1969Xr*p1986X *p1993Xe*p2010Xx*p2030Xample, *p2160Xdeposits*p1689x2892Yin*p1724X *p1737Xescrow for*p1924X *p1937Xreal*p2006X *p2019Xestate*p2120X *p2133Xtaxes*p2223X *p2236Xand*p1689x2939Yinsurance*p1861X *p1877Xmay*p1954X *p1970Xbe*p2011X *p2027Xdifferent.*p2197X *p2213X *p2229XYou*p1689x2985Ymay*p1766X *p1793Xwish*p1874X *p1901Xto*p1936X *p1963Xin*p1998Xq*p2022Xu*p2046Xi*p2059Xre *p2122Xas *p2186Xto *p2248Xthe*p1689x3032Yamounts*p1842X *p1853Xof*p1889X *p1900Xsuch other items.*p2207X *p2218X *p2229XYou*p1689x3078Ymay*p1766X *p1795Xbe*p1836X *p1865Xrequired*p2018X *p2047Xto*p2082X *p2111Xp*p2134Xa*p2156Xy*p2178X *p2208Xo*p2230Xther*p1689x3125Yadditional amounts to be settled.(9U(s4101t0b0s9v1P)6J)s4101t0b0s9v1P&d@*p1787x3188YAll disclosures are estimates*p1694x3158Y*c43B*p45x3349YThe undersigned acknowledge receiving and reading a completed copy of this disclosure.(9U(s4101t0b0s8v1P)6J)s4101t0b0s8v1P&d@*p45x3523Y(Borrower)*p1039X(Date)*p45x3648Y(Borrower)*p1039X(Date)*p45x3772Y(Borrower)*p1039X(Date)*p1275x3523Y(Borrower)*p2269X(Date)*p1275x3648Y(Borrower)*p2269X(Date)*p1275x3772Y(Borrower)*p2269X(Date)*p45x680Y*c34b0P*p249X*c0P*p2352X*c0P*p45x714Y*c0P*p249X*c0P*p2352X*c0P*p45x748Y*c0P*p249X*c0P*p2352X*c0P*p45x782Y*c0P*p249X*c0P*p2352X*c0P*p45x816Y*c0P*p249X*c0P*p2352X*c0P*p45x850Y*c0P*p249X*c0P*p2352X*c0P*p45x884Y*c0P*p249X*c0P*p2352X*c0P*p45x918Y*c0P*p249X*c0P*p2352X*c0P*p45x952Y*c0P*p249X*c0P*p2352X*c0P*p45x986Y*c0P*p249X*c0P*p2352X*c0P*p45x1020Y*c0P*p249X*c0P*p2352X*c0P*p45x1054Y*c0P*p249X*c0P*p2352X*c0P*p45x1088Y*c0P*p249X*c0P*p2352X*c0P*p45x1122Y*c0P*p249X*c0P*p2352X*c0P*p45x1156Y*c0P*p249X*c0P*p2352X*c0P*p45x1190Y*c0P*p249X*c0P*p2352X*c0P*p45x1224Y*c0P*p249X*c0P*p2352X*c0P*p45x1258Y*c0P*p249X*c0P*p2352X*c0P*p45x1292Y*c0P*p249X*c0P*p2352X*c0P*p45x1326Y*c0P*p249X*c0P*p2352X*c0P*p45x1360Y*c0P*p249X*c0P*p2352X*c0P*p45x1394Y*c0P*p249X*c0P*p2352X*c0P*p45x1428Y*c0P*p249X*c0P*p2352X*c0P*p45x1462Y*c0P*p249X*c0P*p2352X*c0P*p45x1496Y*c0P*p249X*c0P*p2352X*c0P*p45x1530Y*c0P*p249X*c0P*p2352X*c0P*p45x1564Y*c0P*p249X*c0P*p2352X*c0P*p45x1598Y*c0P*p249X*c0P*p2352X*c0P*p45x1632Y*c0P*p249X*c0P*p2352X*c0P*p45x1666Y*c0P*p249X*c0P*p2352X*c0P*p45x1700Y*c0P*p249X*c0P*p2352X*c0P*p45x1734Y*c0P*p249X*c0P*p2352X*c0P*p45x1768Y*c0P*p249X*c0P*p2352X*c0P*p45x1802Y*c0P*p249X*c0P*p2352X*c0P*p45x1836Y*c0P*p249X*c0P*p2352X*c0P*p45x1870