Business Lending and Deposit Document Selection Guideprtlimages.cunamutual.com/imageserver/publishedimag… · · 2013-09-27Business Lending and Deposit Document Selection Guide

Business Lendingand Deposit Document

Selection Guide

Consumer Deposit Consumer Lending Real Estate Lending Business Services

P.O. Box 391 5910 Mineral Point Road Madison, WI 53701-0391 Email: [email protected]

MXB186 © CUNA Mutual Group 2013 All Rights Reserved

1To view document samples, go to www.loanliner.com and click on Lending Resource Center.

To order call LOANLINER Customer Service at 800.356.5012.

It’s Not Just About Lending: LOANLINER® Business Documents Provide

Unique Solutions to Meet Your Needs

Increasing IncomeNearly 70% of the profitability in the business services market comes from deposit services. LOANLINER Business documents provide you with the documents you need to open and maintain business deposit accounts. Create easy-to-sell packages that meet the needs of key business segments.

Increasing Loan VolumeTo enable you to take care of most of your business lending needs, LOANLINER documents have developed two lending packages, one for Real Estate Secured loans, and one for Small Business loans.

The Small Business loans use the same concept as LOANLINER documents’ multi-feature Open-End Consumer Lending documents. The Business Credit and Continuing Security Agreement allows you to set up the only loan plan your member’s business will ever need. Once the Plan is open, obtaining advances on the Plan (future business loans) is easy. Your member can call, or stop in to request an advance. This Lending System will be unique to the business lending market.

Improving EfficiencyNow you can create a cost-effective loan processing system that’s tailored to meet the needs of your credit union. Choose LOANLINER Business Lending and Deposit documents to reduce the paperwork for you and your members. Members will love this

streamlined approach. LOANLINER Electronic Business documents have been designed for compatibility with most data processors’ hardware and software. To ensure optimum processing efficiency, we work directly with you and your processor during installation, testing and implementation. Documents can also be provided in a fillable PDF format to allow simple “tab and fill” functionality on a PC.

Managing Lending RiskWith LOANLINER documents you can rest assured that every document is compliant with federal and state regulations and standards. CUNA Mutual Group’s dedicated legal and insurance experts continually update the system to guarantee that your business program is compliant, giving you compliance peace of mind.

Strengthening Member RelationshipsLOANLINER Business Credit and Continuing Security Agreement simplifies and speeds up the lending process, giving you an important tool to build member relationships. All documents are written in clear, straight forward language, and are easy to use and understand.

LOANLINER Business documents increase staff and member confidence and comfort at every stage of the lending or deposit process.



LOANLINER® Service and Support

Lending Resource CenterThe Lending Resource Center offers a comprehensive and timely way to stay on top of key lending and compliance issues and a variety of resources to improve your lending performance, available at your fingertips 24/7. Key resources include: compliance alerts with action steps; training and operational needs; credit union best practices; lender tutorials; product news and updates; featured questions and answers; and optional e-mail notification of newly published alerts and articles. The Lending Resource Center is available only to credit unions using LOANLINER Lending or Deposit documents or credit unions that offer one or more of the following CUNA Mutual Group products: credit disability insurance, credit life insurance, debt cancellation, guaranteed asset protection or mechanical repair coverage. To request access, go to www.cunamutual.com\lendingresourcecenter.

LOANLINER Business Documents User GuidesWe strongly recommend that all credit unions review the LOANLINER Business Documents User Guide for important document usage information, and state regulations. The User Guide can be found in the Lending Resource Center.

LOANLINER Customer ServiceFor assistance in selecting and ordering documents, checking the status of your order, or billing questions, call 800.356.5012 or e-mail [email protected].

Compliance AlertsStay informed about compliance and regulation changes. For recent compliance updates, go to www.loanliner.com and click on Lending Resource Center.

LOANLINER Compliance SupportFor assistance in selecting documents as well as answers to your compliance and document usage questions, call 800.356.5012 or e-mail [email protected].

Your CUNA Mutual Group RepresentativeCall your CUNA Mutual Group Account Representative at 800.356.2644 for more information.



LOANLINER® Business DocumentsSelection Guide

Table of ContentsBusiness DepositBusiness Account Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4Business Membership and Account Agreement (MAA) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4Business Credit Card Agreement and Addendum . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4Funds/Wire Transfer Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5Funds/Wire Transfer Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5Authorization Designation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5Funds Availability Policy and Disclosure (Reg CC) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

Small Business LoansBusiness Application . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6Business Expanded Application . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6Business Credit and Continuing Security Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6Business Credit Agreement Rider . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7Business Loan Receipt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7Authorization Designation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7Business Guaranty Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8Business Adverse Action Notice . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8UCC1 Financing Statement and Addendum . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8UCC3 Financing Statement Amendment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9Consent of Landlord . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

Business Real Estate Secured LoansReal Estate Application (FNMA 1003) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10Business Real Estate Note (Fixed Rate) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10Business Real Estate Mortgage/Deed of Trust . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10Business Real Estate Multi-State 1-4 Family Rider . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Business Condo and PUD Riders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Business Real Estate Adjustable Rate Rider . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Business Real Estate Adjustable Rate Note . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Business Real Estate Balloon Fixed Rate Note . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12Business Real Estate Balloon Note Addendum . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12Authorization Designation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12Business Adverse Action Notice . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13Business Guaranty Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13FEMA Standard Flood Zone Determination . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13Flood Insurance Notice . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

LOANLINER Business Documents CatalogLOANLINER Business Documents . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14–15

See the Business Documents User Guide in the Lending Resource Center for state-specific usage instructions. Go to www.loanliner.com and click on Lending Resource Center.



LOANLINER®

Business Deposit

Business Account CardDocuments the account relationship between the business/organization and the Credit Union and creates the Credit Union membership for the business/organization.

• Can be used to document compliance with the USA Patriot Act requirements (based on credit union policies).

• Uses check boxes to distinguish between establishing account and changing account so the same card can be used to record both establishing and changing account events.

• Provides a place to collect the address, type of business, and signature.

• Used for both business and non-profit/organization accounts.

Business Membership and Account Agreement (MAA)The MAA contains the terms and conditions defining the member’s and your credit union’s rights, responsibilities, and account-ownership issues. It solidifies a comprehensive contract that protects your credit union against problems associated with offering shares and share drafts.

• Covers essential terms and conditions governing deposit account transactions.

• Incorporates your state’s Uniform Commercial Code laws and addresses compliance issues related to ACH rules, Reg CC, Reg D, and Truth-in-Savings (TIS).

• Explains member and non-member access; account statement and notice responsibilities; share draft issues, such as endorsements, stop-payment, post-dated checks, and overdrafts; credit union liability, liens, and security interests; and account and/or member terminations, plus special account instructions, account inactivity, and death of the owner.

• Incorporates the Business Account Card by reference to it.

Business Credit Card Agreement and AddendumThe Agreement is used to provide required disclosures that apply to all business credit card holders and the rights and responsibilities of the business. The Addendum provides rate and fee information and other disclosures special to each credit union.

• The Agreement/Addendum supports both Visa® and MasterCard® programs.





LOANLINER®

Business Deposit

Funds/Wire Transfer RequestThis document provides the member’s confirmation of a member’s funds/wire transfer request, whether one-time or recurring, and agreement as to the provisions of Reg J.

Funds/Wire Transfer AgreementThis document provides the terms and conditions along with security procedures/validation processes and information. This document is used when making multiple and/or recurring wire transfer requests for both members and business accounts. It is used in combination with the Funds/Wire Transer Request to document transactions.

Authorization DesignationUsed by the business/organization to name the individuals authorized to act on behalf of the business/organization for the following purposes: opening share/deposit account(s), accessing account funds and making transactions on accounts, entering into loan plans and obtaining advances on the plans, entering into other loans and pledging business assets as collateral for loans.

• Protects the Credit Union and will reduce the risk that unauthorized parties will access account funds or initiate loans/advances.

• For deposit transactions this document is used with the Business Account Card and the Business Membership and Account Agreement.

Funds Availability Policy and Disclosure (Reg CC)Disclosure that provides the member with information about the availability of the funds in their account and establishes maximum hold periods for deposits in transaction accounts. A business version of Reg. CC is not available; however, credit unions may use the existing Consumer Reg CC disclosures instead.

Special Note on Deposit DisclosuresReg E, Truth-in-Savings, and Privacy disclosures are consumer specific regulations, and as such are not required to be given to business account members. We recommend that the Credit Union does provide some type of a rate and fee schedule to business account members.



LOANLINER®

Small Business Loans

Business ApplicationUsed to collect basic loan application data from the loan applicant(s), co-maker(s) and guarantor(s); documents the request for a business loan; and supports internal credit underwriting policies.

• Intended to be used for smaller businesses and less complex loan transactions.

• Collects pertinent information relative to the applicant(s)’ present financial condition, credit history, personal and business information.

• Flexible to allow the Credit Union to indicate what type of supporting documents needs to be provided with the application.

• Designed to be used with the Business Credit Card Agreement and Addendum.

Business Expanded ApplicationA comprehensive loan application used to collect data from the loan applicant(s) and guarantor(s); documents the request for a business loan; and supports internal credit underwriting policies.

• Used for new members, complicated business loans, and business loans where more detailed information from the business/borrower would be helpful or business loans where the Credit Union’s policies require more information about the borrower.

• Used by the Credit Union to collect details concerning the member’s attorney, accountant, insurance coverage, and franchise information.

• Flexible to allow the Credit Union to indicate what type of supporting documents need to be provided with the applications.

• Designed to be used with the Business Credit Card Agreement and Addendum.

Business Credit and Continuing Security AgreementContract between the borrower and the Credit Union that consummates the business loan Plan. The Business Credit and Continuing Security Agreement combines the basic terms and conditions of a credit agreement and a security agreement. It is a standing agreement that governs all future loans documented on the Business Loan Receipt.

• Defines the business terms and conditions that will be repeated in each loan transaction or advance.

• Specifies the security interest in collateral offered to secure the loan(s).

• A Business Credit Agreement Rider may be attached to the document in order to amend or add language to the Agreement.



LOANLINER®


Business Credit Agreement RiderUsed to amend the Business Credit and Continuing Security Agreement so that the Credit Union can customize the Business Credit and Continuing Security Agreement as necessary for each business borrower.

• Contains a brief explanation of purpose and a blank text field to allow the Credit Union to add to, delete or change the terms and conditions of the Business Credit and Continuing Security Agreement. The Credit Union may add any provisions deemed appropriate for the particular loan transaction.

• A rider is required when the Users Guide identifies state-specific terms and conditions that must be added to the Business Credit and Continuing Security Agreement or when the Credit Union wants to amend the terms of the Business Credit and Continuing Security Agreement.

Business Loan ReceiptThe Business Loan Receipt documents each loan the business borrower receives from the Credit Union and that will be subject to the Business Credit and Continuing Security Agreement. It is required for every loan transaction.

• Contains specific terms and conditions regarding the individual loan transaction, e.g., rates, fees, charges, payments, repayment schedule/terms, interest rates, balloon if applicable.

• Contains a description of collateral that will be taken as security for each loan transaction.

• Contains blank fields allowing the Credit Union to customize the terms and conditions of Business Credit and Continuing Security Agreement as necessary for each loan transaction.


• Identifies to the Credit Union the individuals authorized to act on behalf of the business to prevent unauthorized parties from accessing account funds or initiating loans/advances.

• Should be used whenever establishing a loan plan. Only needs to be updated when authorized signers change.



LOANLINER®


Business Guaranty AgreementUsed to obligate a guarantor to repay a particular loan or advance if the borrower defaults. This document is used to share risk and make an additional party liable for the loan.

• Guarantor information is gathered on the Business Application or the Business Expanded Application.

• May be used to document the personal guaranty of principals of the business.

• By checking the box indicated on the form, the guaranty given will be broad so that it is applicable to all existing and future debts incurred by the borrower under the Plan.

• If the Credit Union and guarantor intend to give a more limited guaranty, the Credit Union can create custom language that may be included in the blank fields in the Agreement.

• State-specific terms related to the guaranty are added at the end of the document. Refer to the Business Documents User Guide for language.

Business Adverse Action NoticeMulti-purpose document used to deny credit, refuse an increase of the loan amount, or terminate the existing line of credit.

• Provides reason codes that depict why the credit was denied; a counteroffer from the Credit Union; or why an account was not opened.

• Written specifically for business accounts and should not be used with consumer loans.

UCC1 Financing Statement and AddendumUsed to file the security interest in non-real estate and non-titled collateral with the appropriate state filing authority.

• Used for personal property. This document should not be used to file real estate or titled collateral like a vehicle.

• Consists of two parts: Filing Statement and Addendum. The Addendum is used to collect additional information not provided on the Filing Statement that may be required.

• Imprint is not available.

• Refer to the Business Documents User Guide for instructions.



LOANLINER®


UCC3 Financing Statement AmendmentUsed to amend or initiate a release of a previously filed UCC1 and for keeping the information up-to-date.

• Used to edit existing UCC filings, refile any change, amend collateral, terminate security interest, extend/continue time frame of security, or assign interest in the security.


• Refer to the Business Documents User Guide for instructions.

Consent of LandlordAgreement between the Credit Union, borrower, and a landlord acknowledging the Credit Union’s security interest in collateral located on leased premises and includes an agreement by the landlord to use reasonable efforts to assist lender with gaining access to collateral securing a loan when a borrower defaults on the loan. Used when a borrower places collateral in leased or rented locations or space.

• Provides the landlord with information defining what giving consent means and obtains their agreement to assist the Credit Union with gaining access to the property where the collateral is located.

• Landlord agrees to surrender collateral.

• Credit union agrees to pay for any damages to property that may be incurred during the removal of the collateral.



LOANLINER® BusinessReal Estate Secured Loans

Real Estate Application (FNMA 1003)Used to collect information on the loan applicant(s) and the real estate in order to evaluate credit worthiness for real estate secured loan transactions.

• Approved and developed by the Federal National Mortgage Association (Fannie Mae).

• Collects pertinent information relative to the applicant: present financial condition, credit history, ability to repay the loan, information on the dwelling being used as security, and personal information on the applicant(s).

• Due to adaptations on the signature block for business lending, this is a non-conforming document. It should not be used for loans that will be sold on the secondary market.


Business Real Estate Note (Fixed-Rate)Describes an agreement between the lender and the borrower for 1-4 family real estate secured loans. Documents how the borrower will repay the loan, including terms, payment amounts, dates, and total amount.

• The multi-state version is for credit unions lending in most states. Credit unions lending in Alaska, Florida, Maine, New Hampshire, New York, Vermont, Virginia, West Virginia and Wisconsin should use the state-specific version.

• Consult the Business Documents User Guide for document requirements in your state.

• Should not be used for consumer transactions.

• Due to adaptations on the signature block for business lending, this is a non-conforming document. It should not be used for loans that will be sold on the secondary market.


Business Real Estate Mortgage/Deed of TrustDocument that shows that the lender has a lien against the 1-4 family property described in the Mortgage/Deed of Trust.

• Use the state-specific Mortgage/Deed of Trust based on the physical location of the real estate.

• Contains standard clause stating the owner occupies the property.


• Recorded with local government to perfect lien.

• Is non-conforming; therefore should not be used for loans that will be sold on the secondary market.





Business Real Estate Multi-State 1-4 Family RiderUsed to amend the Mortgage/Deed of Trust to accommodate the origination of a 1-4 family, non-conforming real estate secured loan.

• Available in two versions, a multi-state version and a Michigan version.




Business Condo and PUD RidersUsed to amend the Mortgage/Deed of Trust to accommodate provisions that apply to property types.

• Available in two versions, a multi-state version and a Texas version.



Business Real Estate Adjustable Rate RiderUsed to amend the Mortgage/Deed of Trust to secure the Adjustable Rate Note.

• Provides additional covenants and agreement on the interest rate and monthly payment changes, the transfer of property or a beneficial interest in borrower.

Business Real Estate Adjustable Rate NoteDescribes an agreement between the lender and the borrower for 1-4 family, adjustable rate real estate secured loans. Documents how the borrower will repay the loan, including terms, payment amounts, dates and total amount.

• Available in several versions, a multi-state version and versions for Alaska, Florida, New Hampshire, Vermont, Virginia, West Virginia and Wisconsin.

• Your credit union can select the first day the rates will change, the frequency of change dates, the index, the maximum increase or decrease for any change, and the maximum rate.






Business Real Estate Balloon Fixed Rate NoteDescribes an agreement between the lender and the borrower for 1-4 family, real estate secured loan with a balloon payment. Documents how the borrower will repay the loan, including terms, payment amounts, dates, and total amount.

• Includes a definition of the transfer of property or a beneficial interest in borrower.

• Includes notice of other remedies, documentary tax and attorney’s fee sections.

• Available in several versions, a multi-state version and versions for New York, Virginia, West Virginia and Wisconsin.



Business Real Estate Balloon Note AddendumUsed to amend and supplement the Real Estate Balloon Note to give the borrower a conditional right to refinance the loan when the original note matures.

• The Addendum is an optional document allowing the lender to set the terms for a loan renewal at the time of the original transaction.

• Additional covenants allow borrower to refinance as long as borrower still owns the property and is current on the loan.

• The Addendum states how the interest rate on the new obligation will be calculated.

• Lender must notify borrower of the right to refinance; the lender determines the notice period.

• Borrower will pay the amount owed on the balloon payment if the borrower chooses not to refinance.

• Available in two versions, a multi-state version and a North Carolina version.


• Identifies, to the Credit Union, the individuals authorized to act on behalf of the business to prevent unauthorized parties from accessing account funds or initiating loans/advances.

• For real estate secured lending transactions it is used with the Business Real Estate Note.




Business Adverse Action NoticeMulti-purpose document used to deny credit, refuse an increase of the loan amount, or terminate the existing line of credit.

• Provides reason codes that depict why the credit was denied; a counteroffer from the Credit Union; or why an account was not opened.

• Written specifically for business accounts and should not be used with consumer loans.

Business Guaranty AgreementUsed to obligate a guarantor to repay a particular loan or advance if the borrower defaults. This document is used to share risk and make an additional party liable for the loan.

• Guarantor information is gathered on the Business Application or the Business Expanded Application.

• May be used to document the personal guaranty of principals of the business.

• By checking the box indicated on the form, the guaranty given will be broad so that it is applicable to all existing and future debts incurred by the borrower.

• If the Credit Union and guarantor intend to give a more limited guaranty, the Credit Union can create custom language that may be included in the blank fields in the agreement.

• State-specific terms related to the guaranty are added at the end of the document. Refer to the Business Documents User Guide for language.

FEMA Standard Flood Zone DeterminationDocuments the results of a determination as to whether the secured property is located in a special flood hazard area (SFHA) and will require flood insurance.

• If you are using a third party for flood determination, such as TotalTrac Flood from CUNA Mutual Group, they may provide this document for you.


Flood Insurance NoticeUsed to notify the borrower that the property securing the business loan is located in a special flood hazard area and will require flood insurance.

• IncludescopiesfortheCreditUnion,borrower,andloanservicer.

14 To order call LOANLINER Customer Service at 800.356.5012.

LOANLINER® Business DocumentsState specific documents are noted in the document description.

DOCUMENT NUMBER

TYPE

DOCUMENT DESCRIPTION

IMPRINT

BUSINESS DEPOSITDB110* E 1 Business Account Card OptionalDB100* E Business Membership & Account Agreement (MAA) OptionalD2300* E Funds/Wire Transfer Request OptionalD2350* E Funds/Wire Transfer Agreement RequiredBUSINESS CREDIT CARD AGREEMENT AND ADDENDUM (VISA AND MASTERCARD)

BXC10* E Business Visa & MasterCard CC Agreement & Addendum

Optional

BXCM1* E Business MasterCard CC Agreement & Addendum OptionalBXCV1* E Business Visa CC Agreement & Addendum OptionalBUSINESS MISCELLANEOUS (DEPOSIT AND/OR LENDING)

MXB13* E Authorization Designation OptionalBXB07* E Business Adverse Action Notice OptionalGXB01* E Business Guaranty Agreement OptionalBUSINESS APPLICATIONS

AXB10* E Business Application OptionalAXB20* E Business Expanded Application OptionalEST63* E FNMA Application (1003) N/ASMALL BUSINESS LENDING

Credit AgreementBXB10* E Business Credit and Continuing Security Agreement OptionalBXB20* E Business Credit Agreement Rider OptionalDisbursement ReceiptVXB08* E Business Loan Receipt OptionalMiscellaneousMXB11* E UCC1 Financing Statement N/AMXB12* E UCC3 Financing Statement N/AMXB10* E Consent of Landlord OptionalBUSINESS REAL ESTATE SECURED LENDING

Fixed Rate NotesNXB02* E Business RE Fixed Rate Note N/ANXBAK* E AK Business RE Fixed Rate Note N/ANXBFL* E FL Business RE Fixed Rate Note N/ANXBME* E ME Business RE Fixed Rate Note N/ANXBNH* E NH Business RE Fixed Rate Note N/ANXBNY* E NY Business RE Fixed Rate Note N/ANXBVA* E VA Business RE Fixed Rate Note N/ANXBVT* E VT Business RE Fixed Rate Note N/ANXBWI* E WI Business RE Fixed Rate Note N/ANXBWV* E WV Business RE Fixed Rate Note N/AAdjustable Rate NotesNB004* E Business RE Adjustable Rate Note N/ANBAK4* E AK Business RE Adjustable Rate Note N/ANBFL4* E FL Business RE Adjustable Rate Note N/ANBNH4* E NH Business RE Adjustable Rate Note N/ANBVA4* E VA Business RE Adjustable Rate Note N/ANBVT4* E VT Business RE Adjustable Rate Note N/ANBWI4* E WI Business RE Adjustable Rate Note N/ANBWV4* E WV Business RE Adjustable Rate Note N/ABalloon Fixed Rate NotesNB006* E Business RE Balloon Fixed Rate Note N/ANBNY6* E NY Business RE Balloon Fixed Rate Note N/ANBVA6* E VA Business RE Balloon Fixed Rate Note N/ANBWI6* E WI Business RE Balloon Fixed Rate Note N/ANBWV6* E WV Business RE Balloon Fixed Rate Note N/ARidersRXB10* E Business RE Multi-State 1-4 Family Rider N/ARXBM1* E MI Business RE 1-4 Family Rider N/ARXB40* E Business RE Multi-State Adjustable Rate Rider N/A

DOCUMENT NUMBER

TYPE


IMPRINT

BUSINESS REAL ESTATE SECURED LENDING (continued)Riders - continuedRXB50* E Business RE Multi-State Condo Rider N/ARXBT5* E TX Business RE Condo Rider N/ARXB60* E Business RE Multi-State PUD Rider N/ARXBT6* E TX Business RE PUD Rider N/AAddendumsNB017* E Business RE Balloon Note Addendum N/ANBNC7* E NC Business RE Balloon Note Addendum N/AMiscellaneousEST88* E FEMA Standard Flood Zone Determination N/AEST89* E Flood Insurance Notice OptionalReal Estate Security InstrumentsRXAK1* E AK Business RE Deed of Trust N/ARXAL1* E AL Business RE Mortgage N/ARXAR1* E AR Business RE Mortgage N/ARXAZ1* E AZ Business RE Deed of Trust N/ARXCA1* E CA Business RE Deed of Trust N/ARXCO1* E CO Business RE Deed of Trust N/ARXCT1* E CT Business RE Mortgage/Deed of Trust N/ARXDC1* E DC Business RE Deed of Trust N/ARXDE1* E DE Business RE Mortgage N/ARXFL1* E FL Business RE Mortgage N/ARXGA1* E GA Business RE Deed of Trust N/ARXHI1* E HI Business RE Mortgage N/ARXIA1* E IA Business RE Mortgage N/ARXID1* E ID Business RE Deed of Trust N/ARXIL1* E IL Business RE Mortgage N/ARXIN1* E IN Business RE Mortgage N/ARXKS1* E KS Business RE Mortgage N/ARXKY1* E KY Business RE Mortgage N/ARXLA1* E LA Business RE Mortgage N/ARXMA1* E MA Business RE Mortgage N/ARXMD1* E MD Business RE Deed of Trust N/ARXME1* E ME Business RE Mortgage N/ARXMI1* E MI Business RE Mortgage N/ARXMN1* E MN Business RE Mortgage N/ARXMO1* E MO Business RE Deed of Trust N/ARXMS1* E MS Business RE Deed of Trust N/ARXMT1* E MT Business RE Deed of Trust N/ARXNC1* E NC Business RE Deed of Trust N/ARXND1* E ND Business RE Mortgage N/ARXNE1* E NE Business RE Deed of Trust N/ARXNH1* E NH Business RE Mortgage N/ARXNJ1* E NJ Business RE Mortgage N/ARXNM1* E NM Business RE Mortgage N/ARXNV1* E NV Business RE Deed of Trust N/ARXNY1* E NY Business RE Mortgage N/ARXOH1* E OH Business RE Mortgage N/ARXOK1* E OK Business RE Mortgage N/ARXOR1* E OR Business RE Deed of Trust N/ARXPA1* E PA Business RE Mortgage N/ARXRI1* E RI Business RE Mortgage N/ARXSC1* E SC Business RE Mortgage N/ARXSD1* E SD Business RE Mortgage N/ARXTN1* E TN Business RE Deed of Trust N/ARXTX1* E TX Business RE Deed of Trust N/ARXUT1* E UT Business RE Deed of Trust N/ARXVA1* E VA Business RE Deed of Trust N/ARXVT1* E VT Business RE Mortgage N/A

* Document Version 1 E Stands for Electronic







LOANLINER® Business DocumentsState specific documents are noted in the document description.

* Document Version 1 E Stands for Electronic

DOCUMENT NUMBER

TYPE


BUSINESS REAL ESTATE SECURED LENDING (continued)Real Estate Security Instruments - continuedRXWA1* E WA Business RE Deed of TrustRXWI1* E WI Business RE MortgageRXWV1* E WV Business RE Deed of TrustRXWY1* E WY Business RE MortgageSTATE NOTICES

RMN10* E 1 MN Notice of Right to Discontinue EscrowRNM10* E NM Freedom to Choose InsurerRNY03* E NY Insurance DisclosureRNY20* E NY Interest Rate DeterminationRNY30* E NY Credit Report NoticeRNY40* E NY Straight Balloon Preapplication Disclosure

DOCUMENT NUMBER

TYPE


STATE NOTICES (continued)ROK10* E OK Title Protection Act Notice RRI10* E RI Loan Application DisclosureRTX10* E TX Mortgage Fraud NoticeETX20* E TX Notice to BorrowerETX22* E TX Notice to Borrower - SpanishEXT40* E TX AcknowledgementRVA10* E VA 1st Mortgage Application DisclosureRVT10* E VT Authorization to Obtain Credit ReportRVT20* E VT Civil Union DisclosureRWA10* E WA Waiver of DocumentsRWI10* E WI Pre Application Fee DisclosureRWI20* E WI Escrow Notice