Response.txt

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<?xml version="1.0" encoding="UTF-8"?><!DOCTYPE RESPONSE_GROUP SYSTEM "ResponseGroup.dtd"><RESPONSE_GROUP MISMOVersionID="2.1">

<RESPONSE ResponseDateTime="05/07/15 19:34:42"><KEY _Name="ConversationID" _Value="Not Applicable"/><RESPONSE_DATA _GloballyUniqueIdentifier="A7852020004BF68F1703F2

4222F4FF2E"><FNM_PRODUCT _Name="DO" _FunctionName="Underwrite" _Vers

ionNumber="2.0"/></RESPONSE_DATA><STATUS _Condition="DONE" _Name="SERVICE" _Description="Service

Request Completed" _Code="0"/></RESPONSE>

</RESPONSE_GROUP>

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<?xml version="1.0" encoding="UTF-8"?>

<!DOCTYPE DO_UNDERWRITE_RESPONSE SYSTEM "DOUnderwriteResponse_v2_0.dtd"><DO_UNDERWRITE_RESPONSE MORNETPlusCasefileIdentifier="1240540478" BrokerInstitutionIdentifier="692895">

<STATUS _Condition="SUCCESS" _Name="SBADOWF1.3" _Description="Successful Completion, Recommendation Available" _Code="0"/>

<CREDIT_INFORMATION SSN="999121234" CreditReportIdentifier="5004509"/><_RECOMMENDATION _Code="6" _ReferredIndicator="1" _EligibleIndicator="0"

RecommendationDescription="Approve/Ineligible "/></DO_UNDERWRITE_RESPONSE>

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Credit Log----------

Credit Report Retrieval Log ===========================

Date: 05/07/2015 19:34:39.965User: l58b3ens

SSN Requested Joint/ CrRptRefNo Indv

========= ========================= ======999121234 5004509 Joint

Import Log----------

--------------------------------------------------------------------------------Casefile Support Service Results File--------------------------------------------------------------------------------



Command: CaseInitUserID: l58b3ensInstID: 692895Date: 05/07/2015 19:34:39.517-------------------------------------------------------------------------------- ----------------------------------------------------------------------------- Case: 1240540478 Transaction ID: T100099-002 Control Number: 2000 -----------------------------------------------------------------------------

Dataset: 1003 Data Warning: Year must be next year or before Field Value: '0' Description: Automobile Year Segment: 06D (Occurrence #1) Field Number: 06D-040 (Pos=43, Len=4) Blanking out field value Default value <null> would be used on import.

Warning: Year must be next year or before Field Value: '0' Description: Automobile Year Segment: 06D (Occurrence #2)

Field Number: 06D-040 (Pos=43, Len=4) Blanking out field value Default value <null> would be used on import.

Warning: Must be Y or N Field Value: '3' Description: I do not wish to furnish this info Segment: 10A (Occurrence #1) Field Number: 10A-030 (Pos=13, Len=1) Blanking out field value Default value N would be used on import.

Warning: Must be Y or N

Field Value: '3' Description: I do not wish to furnish this info Segment: 10A (Occurrence #2) Field Number: 10A-030 (Pos=13, Len=1) Blanking out field value Default value N would be used on import.

Warning: Deleting segment for SSN[] in Seg[06C] since it is not a valid Borrower




Warning: Deleting segment for SSN[] in Seg[06D] since it is not a valid Borrower

Warning: Deleting segment for SSN[] in Seg[06D] since it is not a valid



Borrower

Dataset: Additional Case Data No Errors/Warnings detected

Dataset: Product Data No Errors/Warnings detected

----------------------------------------------------------------------------- Processed Transaction successfully -------------------------------------------------------------------------------------------------------------------------------------------------------------

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<?xml version="1.0" encoding="UTF-8" standalone="no"?><!DOCTYPE CodifiedFindings SYSTEM "CFFVersion1.1.dtd"><CodifiedFindings><ResponseHeader FileType="CFF" FileVersionIdentifier="1.1" InstitutionIdentifier="692662" UserName="l58b3ens" UnderwritingEngineName="9.2" UnderwritingResultsDateTime="20150507 19:34:40" UnderwritingSubmissionNumber="1"/>

<Casefile FNMCaseIdentifier="1240540478" LenderCaseIdentifier="DI-C04"/><CasefileMessages><Message MessageIdentifier="7" MessageSeverityTypeCode="1" MessageCategoryType

Code="1"><LenderMessageText><Line MessageText="This case does not meet Fannie Mae's eligibility requir

ements."/></LenderMessageText><ConsumerMessageText><Line MessageText="NULL"/>

</ConsumerMessageText><GuideReference GuideType="01" GuideReferenceIdentifier="" GuideLinkAddress=

""/>

</Message><Message MessageIdentifier="633" MessageSeverityTypeCode="1" MessageCategoryTypeCode="3">

<LenderMessageText><Line MessageText="This case was processed and determined to be ineligible

as a limited cash-out refinance in accordance with the input data. However, it has also been determined that it may be eligible as a cash-out refinance. If this is the desired purpose of refinance, modify the application and resubmit the case for underwriting."/>

</LenderMessageText><ConsumerMessageText><Line MessageText="NULL"/>

</ConsumerMessageText>

<GuideReference GuideType="01" GuideReferenceIdentifier="" GuideLinkAddress=""/></Message><Message MessageIdentifier="1772" MessageSeverityTypeCode="1" MessageCategoryT

ypeCode="3"><LenderMessageText><Line MessageText="This case is ineligible because the amount of cash take

n out of the subject property equity exceeds the limit of 2 percent of the loanamount or $2000 for limited cash-out refinances."/>

</LenderMessageText>



<ConsumerMessageText><Line MessageText="NULL"/>


""/></Message><Message MessageIdentifier="2375" MessageSeverityTypeCode="1" MessageCategoryT

ypeCode="3"><LenderMessageText><Line MessageText="This loan casefile has been underwritten as a limited c

ash-out refinance. If the originating lender has held the first mortgage being paid off with this transaction for less than six months prior to the disbursement date of the new mortgage loan, the lender must review the short-term financingguidelines and determine whether this transaction is still eligible for delivery to Fannie Mae as a limited cash-out refinance. In addition, the property must not be currently listed for sale. Continuity of obligation, if applicable, mustbe met. Refer to the Fannie Mae Selling Guide for additional information."/>



""/></Message>

<Message MessageIdentifier="237" MessageSeverityTypeCode="2" MessageCategoryTypeCode="4"><LenderMessageText><Line MessageText="According to the credit report, the total payments and

balances declared on the 1003 differ by more than expected tolerances. Verify that all liabilities belonging to the borrowers are disclosed on the 1003 and that the balances and payments are accurate."/>


</ConsumerMessageText><GuideReference GuideType="01" GuideReferenceIdentifier="NIL" GuideLinkAddre

ss=""/>

</Message><Message MessageIdentifier="1437" MessageSeverityTypeCode="4" MessageCategoryTypeCode="1">

<LenderMessageText><Line MessageText="The following risk factors represent strengths in the b

orrower's loan application:"/><TableRow>

<Column MessageText="Combined Loan-to-Value Ratio"/></TableRow><TableRow>

<Column MessageText="Debt-to-Income Ratio"/></TableRow>

</LenderMessageText>

<ConsumerMessageText><Line MessageText="NULL"/>


ss=""/></Message><Message MessageIdentifier="11" MessageSeverityTypeCode="5" MessageCategoryTyp

eCode="3"><LenderMessageText><Line MessageText="According to the Social Security Administration (SSA),



the Social Security number (SSN) for Patrick P Purchaser, Lorraine L Purchaser either has not been issued, or was recently issued. The SSN accuracy must be confirmed, and if incorrect, the SSN must be updated and the loan casefile resubmitted to DU. If the SSN is determined to be correct, it must be validated directly with the SSA (direct validation by a third party is acceptable), and the loan must be delivered with SFC 162. If the SSN cannot be validated with the SSA, the loan is not eligible for delivery to Fannie Mae."/>



""/></Message><Message MessageIdentifier="273" MessageSeverityTypeCode="5" MessageCategoryTy

peCode="3"><LenderMessageText><Line MessageText="The use of borrowed funds for the down payment was decl

ared on Section VIII of the loan application, and there is no corresponding asset listed for that borrower. The terms of the loan and the fact that it is secured must be verified. Monthly payments for the loan must be considered as debt for qualifying the borrower."/>

</LenderMessageText><ConsumerMessageText>

<Line MessageText="NULL"/></ConsumerMessageText><GuideReference GuideType="01" GuideReferenceIdentifier="" GuideLinkAddress=


peCode="3"><LenderMessageText><Line MessageText="This loan is also subject to all other lender specified

conditions and must comply with all applicable federal, state, and local laws and regulations."/>

</LenderMessageText><ConsumerMessageText>

<Line MessageText="NULL"/></ConsumerMessageText><GuideReference GuideType="01" GuideReferenceIdentifier="" GuideLinkAddress=


peCode="3"><LenderMessageText><Line MessageText="Verify the terms of the subordinate financing for compl

iance with the Fannie Mae Selling Guide."/></LenderMessageText><ConsumerMessageText><Line MessageText="NULL"/>



peCode="3"><LenderMessageText><Line MessageText="Based on the credit report obtained through Desktop Und

erwriter, this loan casefile must close on or before 09/01/2015. All credit documents must be no more than four months old on the note date. For guidelines on



the age of the appraisal or property inspection report, refer to the Fannie MaeSelling Guide."/>




ypeCode="3"><LenderMessageText><Line MessageText="The Adverse Market Delivery Charge will be applied when

this mortgage loan is delivered to Fannie Mae, along with any applicable loan-level price adjustments. Refer to the Selling Guide and Loan-level Price Adjustment (LLPA) Matrix and Adverse Market Delivery Charge (AMDC) Information on fanniemae.com for specific details."/>



""/></Message>

<Message MessageIdentifier="729" MessageSeverityTypeCode="5" MessageCategoryTypeCode="4"><LenderMessageText><Line MessageText="If the following judgments and garnishments have not be

en satisfied, they must be paid in full prior to or at closing and funds sufficient to settle these items must be verified and documented."/>

<TableRow> <Column MessageText="Type"/> <Column MessageText="Date Filed"/> <Column MessageText="Date Satisfied/Status Date"/>

</TableRow><TableRow>

<Column MessageText="Judgment"/>

<Column MessageText="07/01/2013"/> <Column MessageText="07/01/2013"/></TableRow><TableRow>

<Column MessageText="Judgment"/> <Column MessageText="07/01/2014"/> <Column MessageText="07/01/2014"/>

</TableRow></LenderMessageText><ConsumerMessageText><Line MessageText="NULL"/>



peCode="5"><LenderMessageText><Line MessageText="Lorraine L Purchaser's income must be supported by a pa

ystub and a W-2 from the prior year, or by a standard Verification of Employment (1005). The paystub must be dated no earlier than 30 days prior to the initialloan application date and it must include all year-to-date earnings. Additionally, the paystub must include sufficient information to appropriately calculate in



come; otherwise, additional documentation must be obtained. If a standard Verification of Employment (1005) will be obtained it must include all year-to-date earnings, as well as prior year earnings if a W-2 is not being provided. If a W-2 is not available from the prior year, the lender must determine if the income would still be acceptable per the Selling Guide. Direct verifications provided by a third party employment verification vendor are acceptable if completed in accordance with the Selling Guide."/>




peCode="5"><LenderMessageText><Line MessageText="Patrick P Purchaser's income must be supported by a pay

stub and a W-2 from the prior year, or by a standard Verification of Employment(1005). The paystub must be dated no earlier than 30 days prior to the initial loan application date and it must include all year-to-date earnings. Additionally, the paystub must include sufficient information to appropriately calculate income; otherwise, additional documentation must be obtained. If a standard Verification of Employment (1005) will be obtained it must include all year-to-date ear

nings, as well as prior year earnings if a W-2 is not being provided. If a W-2is not available from the prior year, the lender must determine if the income would still be acceptable per the Selling Guide. Direct verifications provided bya third party employment verification vendor are acceptable if completed in accordance with the Selling Guide."/>




peCode="5"><LenderMessageText><Line MessageText="Other income for Patrick P Purchaser must be verified i

n accordance with the Fannie Mae Selling Guide."/></LenderMessageText><ConsumerMessageText><Line MessageText="NULL"/>



ypeCode="5">

<LenderMessageText><Line MessageText="The boarder income listed on the application is accepta

ble if it has been received by a borrower with disabilities from a personal assistant. This income must be supported by appropriate documentation to demonstrate a history of shared residency and the payment of rental payments for the last12 months. Refer to the Selling Guide for additional information."/>





<GuideReference GuideType="01" GuideReferenceIdentifier="NIL" GuideLinkAddress=""/></Message><Message MessageIdentifier="2469" MessageSeverityTypeCode="5" MessageCategoryT

ypeCode="5"><LenderMessageText><Line MessageText="Perform and document a verbal verification of employmen

t for each borrower within 10 business days prior to the note date for all borrowers not using self-employment income for qualifying, and within 30 calendar days prior to the note date for all borrowers using self-employment income for qualifying. For borrowers with military income, a military Leave and Earnings Statement (LES) dated within 31 calendar days prior to the note date is acceptable inlieu of a verbal verification of employment. Lenders also have the option of obtaining the verbal verification of employment after the note date (and prior to delivery of the loan to Fannie Mae), but when using this option must ensure compliance with the Fannie Mae Selling Guide."/>




ypeCode="5"><LenderMessageText><Line MessageText="Obtain a completed and signed Form 4506-T for all borro

wers at or before closing. Form 4506 or Form 8821 may be used in lieu of Form 4506-T. Refer to the Fannie Mae Selling Guide for additional alternatives."/>



""/></Message><Message MessageIdentifier="99" MessageSeverityTypeCode="5" MessageCategoryTyp

eCode="6"><LenderMessageText><Line MessageText="All net equity funds should be verified with a photocop

y of the final settlement statement. If the net equity is negative, the amountwill be subtracted from the borrower's available funds."/>




peCode="6"><LenderMessageText><Line MessageText="Funds in the amount of $0.00 are required for closing.

Available funds are insufficient by $5000.00. Assets sufficient to close theloan must be from eligible sources, and must be qualified and verified."/>






ypeCode="6"><LenderMessageText><Line MessageText="Based on the Real Estate Owned section of the loan appl

ication, the borrower currently has a property that is pending sale. If the property will not be sold prior to closing, the lender must verify that the borrower meets the reserve requirements for pending sale properties as specified in the Selling Guide."/>




ypeCode="7"><LenderMessageText><Line MessageText="Desktop Underwriter could not verify the submitted subj

ect property address for this transaction. An appraisal based on an interior and exterior property inspection reported on Form 1004 is required for one-unit properties; Form 1004C is required for manufactured homes; Form 1073 is required f

or units in condominium projects; Form 2090 is required for units in cooperative projects. Alternatively, you can modify the subject address and resubmit to verify if the system can offer a more streamlined property fieldwork recommendation."/>



ss=""/></Message><Message MessageIdentifier="2441" MessageSeverityTypeCode="5" MessageCategoryT

ypeCode="7">

<LenderMessageText><Line MessageText="Form 1004MC must be completed for any transaction on which an appraisal is obtained. Refer to the Fannie Mae Selling Guide for additional information."/>




ypeCode="7">

<LenderMessageText><Line MessageText="Based on the Actual vs. Estimated Appraised Value Indic

ator on the online loan application, the loan casefile was underwritten using an estimated value. When an appraisal for the transaction is obtained (if applicable), the appraised value on the online loan application must be updated with the value from the appraisal, and the loan casefile resubmitted to DU."/>





<GuideReference GuideType="01" GuideReferenceIdentifier="" GuideLinkAddress=""/></Message><Message MessageIdentifier="943" MessageSeverityTypeCode="7" MessageCategoryTy

peCode="3"><LenderMessageText><Line MessageText="This case was submitted to Desktop Underwriter version

9.2 by DU ONLY - ETHOS LENDING LLC. The following information is associated with this loan: Casefile ID is 1240540478 and Submission number is 1. If the loan is delivered to Fannie Mae, the Casefile ID must be provided at delivery."/>




ypeCode="3"><LenderMessageText><Line MessageText="The following list of special feature codes is provided

to assist you in determining which codes may be associated with this loan. Other codes may be required. Refer to the Fannie Mae Selling Guide for a comprehensive list."/>

<TableRow> <Column MessageText="Special Feature Code"/> <Column MessageText="Description"/>


<Column MessageText="127"/> <Column MessageText="DU Loan"/>


<Column MessageText="007"/> <Column MessageText="Limited Cash-out Refinance"/>

</TableRow></LenderMessageText>

<ConsumerMessageText><Line MessageText="NULL"/></ConsumerMessageText><GuideReference GuideType="01" GuideReferenceIdentifier="" GuideLinkAddress=


ypeCode="3"><LenderMessageText><Line MessageText="The following Credit Report information is associated w

ith this submission:"/><TableRow>

<Column MessageText="Borrower Name"/>

<Column MessageText="Credit Agency"/> <Column MessageText="Credit Report ID"/> <Column MessageText=" Credit Report Date"/>


<Column MessageText="Lorraine L Purchaser"/> <Column MessageText="200-TEST CREDIT AGENCY"/> <Column MessageText="5004509"/> <Column MessageText="05/01/2015"/>

</TableRow>



<TableRow> <Column MessageText="Patrick P Purchaser"/> <Column MessageText="200-TEST CREDIT AGENCY"/> <Column MessageText="5004509"/> <Column MessageText="05/01/2015"/>




ypeCode="4"><LenderMessageText><Line MessageText="The following credit scores were obtained by the credit

agency selected by the user and are included in the credit report:"/><TableRow>

<Column MessageText="Borrower"/> <Column MessageText="Credit Scores"/>


<Column MessageText="Patrick P Purchaser"/>

<Column MessageText="661 670 675"/></TableRow><TableRow>

<Column MessageText="Lorraine L Purchaser"/> <Column MessageText="663 670 678"/>



ss=""/></Message>

<Message MessageIdentifier="153" MessageSeverityTypeCode="7" MessageCategoryTypeCode="5"><LenderMessageText><Line MessageText="The following sources of income were used in the underw

riting analysis:"/><TableRow>

<Column MessageText="Borrower"/> <Column MessageText="Income Type"/> <Column MessageText="Amount"/>


<Column MessageText="Lorraine L Purchaser"/> <Column MessageText="Base employment income"/>

<Column MessageText="7250.00"/></TableRow><TableRow>

<Column MessageText="Patrick P Purchaser"/> <Column MessageText="Boarder income"/> <Column MessageText="650.00"/>


<Column MessageText="Patrick P Purchaser"/> <Column MessageText="Other income"/>



<Column MessageText="1500.00"/></TableRow><TableRow>

<Column MessageText="Patrick P Purchaser"/> <Column MessageText="Base employment income"/> <Column MessageText="6666.67"/>



ss=""/></Message><Message MessageIdentifier="59" MessageSeverityTypeCode="7" MessageCategoryTyp

eCode="6"><LenderMessageText><Line MessageText="The following assets were counted towards available fun

ds. With the exception of cash on hand, all available funds greater than the amount required to close have been added to cash reserves."/>

<TableRow> <Column MessageText="Borrower"/> <Column MessageText="Asset Type"/> <Column MessageText="Institution Name"/>

<Column MessageText="Amount"/></TableRow><TableRow>

<Column MessageText="Patrick P Purchaser"/> <Column MessageText="Real estate"/> <Column MessageText="Real Estate Owned"/> <Column MessageText="-5000.00"/>



ss=""/></Message></CasefileMessages><DocumentationLevelCodes RequiredDocumentationTypeCode="01" RequiredDocumentationLevelCode="101"/><DocumentationLevelCodes RequiredDocumentationTypeCode="01" RequiredDocumentationLevelCode="136"/><DocumentationLevelCodes RequiredDocumentationTypeCode="05" RequiredDocumentationLevelCode="321" BorrowerUnparsedName="Patrick P Purchaser" _SSN="999121234"/><DocumentationLevelCodes RequiredDocumentationTypeCode="03" RequiredDocumentationLevelCode="329" BorrowerUnparsedName="Lorraine L Purchaser" _SSN="999565678"/><DocumentationLevelCodes RequiredDocumentationTypeCode="03" RequiredDocumentationLevelCode="329" BorrowerUnparsedName="Patrick P Purchaser" _SSN="999121234"/>

<DocumentationLevelCodes RequiredDocumentationTypeCode="03" RequiredDocumentationLevelCode="303" BorrowerUnparsedName="Lorraine L Purchaser" _SSN="999565678"/><DocumentationLevelCodes RequiredDocumentationTypeCode="03" RequiredDocumentationLevelCode="303" BorrowerUnparsedName="Patrick P Purchaser" _SSN="999121234"/><DocumentationLevelCodes RequiredDocumentationTypeCode="03" RequiredDocumentationLevelCode="301" BorrowerUnparsedName="Patrick P Purchaser" _SSN="999121234"/><DocumentationLevelCodes RequiredDocumentationTypeCode="03" RequiredDocumentationLevelCode="301" BorrowerUnparsedName="Lorraine L Purchaser" _SSN="999565678"/><DocumentationLevelCodes RequiredDocumentationTypeCode="04" RequiredDocumentationLevelCode="212"/>



<MICoverage MIIdentifierCode="103"></MICoverage><RecommendationCode UnderwritingRecommendationTypeCode="6" UnderwritingRecommendationDescription="Approve/Ineligible"/><LoanDetails SalesPriceAmount="0.00" BaseLoanAmount="104000.00" MIAndFundingFeeFinancedAmount="0.00" UnderwritingCalculatedLoanAmount="104000.00" MortgageTypeCode="01" LoanMaturityTermMonths="360" LoanAmortizationTypeCode="05" BuydownIndicator="N" InitialBuydownRatePercent="0.000" BalloonIndicator="N" LienPriorityTypeCode="1" LoanPurposeTypeCode="05" GSERefinancePurposeTypeCode="13" CurrentFirstMortgageHolderTypeCode="02 Mac" SubordinateLienAmount="42142.00" RequestedInterestRatePercent="4.500" PurchasePriceAmount="0.00" LTVPercent="18.000" CLTVPercent="25.000" LTVWithoutFinancedMIPercent="18.000" CLTVWithoutFinancedMIPercent="25.000" FNMProductPlanIdentifier="0" FNMCommunityLendingProductName="UNKNOWN" FNMNeighborsMortgageEligibleIndicator="N" FNMCommunitySecondsIndicator="N" NonOccupantBorrowerCaseIndicator="N" FlexClassification="0"><CommunityLending MSAOrCountyName="" HUDMedianIncomeAmount="53500.00" HUDIncomeLimitAdjustmentFactor="100.000" HUDLendingIncomeLimitAmount="53500.00"/></LoanDetails><IncomeAndExpense><Expense TotalPresentHousingPaymentAmount="1366.07" OtherFinancingPrincipalAnd

InterestAmount="245.00" HazardInsuranceAmount="125.00" RealEstateTaxAmount="250.00" MIMonthlyAmount="0.00" HomeownersAssociationDuesAndCondominiumFeesAmount="0.00" OtherHousingPaymentAmount="0.00" TotalOtherExpenseAmount="0.00">

<NoteRate InterestRatePercent="4.500" FirstMortgagePrincipalAndInterestAmount="526.95" TotalExpensePaymentAmount="1146.95" TotalProposedHousingPaymentAmount="1146.95"/>

<QualifyingRate InterestRatePercent="4.500" FirstMortgagePrincipalAndInterestAmount="526.95" TotalExpensePaymentAmount="1146.95" TotalProposedHousingPaymentAmount="1146.95"/></Expense><Income BaseIncomeAmount="13916.67" CommissionIncomeAmount="0.00" BonusIncomeA

mount="0.00" OvertimeIncomeAmount="0.00" OtherIncomeAmount="2150.00" PositiveNetRentalIncomeAmount="0.00" PositiveSubjectPropertyNetCashFlowAmount="0.00" TotalIncomeAmount="16066.67"/></IncomeAndExpense><Borrowers>

<Borrower BorrowerTypeCode="1" BorrowerFirstName="Patrick" BorrowerMiddleName="P" BorrowerLastName="Purchaser" _NameSuffix="" _SSN="999121234" NonOccupantBorrowerIndicator="N" CitizenshipResidencyType="01"/><Borrower BorrowerTypeCode="2" BorrowerFirstName="Lorraine" BorrowerMiddleName

="L" BorrowerLastName="Purchaser" _NameSuffix="" _SSN="999565678" NonOccupantBorrowerIndicator="N" CitizenshipResidencyType="01"/></Borrowers><Property PropertyEstimatedValueAmount="600000.00" PropertyFinancedNumberOfUnits="1" PropertyUsageTypeCode="1" GSEPropertyTypeCode="02" GSEProjectClassificationTypeCode="99"><Location PropertyCity="Baltimore" PropertyState="MD" PropertyStreetAddress="1

234 Main" PropertyPostalCode="20600" PropertyPostalCodeExtension="1234"><GeoCodeOutput ScrubbedPropertyCity="BALTIMORE" ScrubbedPropertyState="MD" S

crubbedPropertyStreetAddress="" ScrubbedPropertyPostalCode="20600" ScrubbedPropertyPostalCodeExtension="20600" CensusTract="" CountyName="" CountyCode="" MSAIdentifier="" StateFIPSCode=""/></Location>

</Property><UnderwritingAnalysis RequiredFundsAmount="0.00" AvailableFundsAmount="-5000.00" CashBackAmount="43913.97" ShortageAmount="5000.00" NetCashBackAmount="38913.97" ReservesAmount="0.00" ReserveMonths="0" HousingExpenseRatioPercent="7.139" TotalExpenseRatioPercent="7.139" TotalExpenseRatioWithLessThanOrEqualTo10MonthsPercent="7.139" TotalExpenseRatioWithUndisclosedLiabilitiesPercent="16.402" PaymentFr



equencyTypeCode="01" AssetsToVerifyAmount="0.00" PercentSellerContribution="0.000" SellerContributionAmount="0.00" BorrowerFundsAsPctSalesPrc="0.000" EstBorrowerContributionAmount="386.00" EstBorrowerContributionPercent="0.000"/><SpecialFeatureCodes><SpecialFeatureCode SpecialFeatureCode="127" SpecialFeatureDescription="DU Loa

n"/><SpecialFeatureCode SpecialFeatureCode="007" SpecialFeatureDescription="Limite

d Cash-out Refinance"/></SpecialFeatureCodes><IncomeAssetEmploymentList><ListAsset BorrowerUnparsedName="Patrick P Purchaser" _SSN="999121234" AssetTy

peCode="NE" CashOrMarketValueAmount="-5000.00" AssetInstitution="Real Estate Owned"/> <ListIncome BorrowerUnparsedName="Patrick P Purchaser" _SSN="999121234" Income

TypeCode="20" IncomeAmount="6666.67"/><ListIncome BorrowerUnparsedName="Patrick P Purchaser" _SSN="999121234" Income

TypeCode="45" IncomeAmount="1500.00"/><ListIncome BorrowerUnparsedName="Patrick P Purchaser" _SSN="999121234" Income

TypeCode="BI" IncomeAmount="650.00"/><ListIncome BorrowerUnparsedName="Lorraine L Purchaser" _SSN="999565678" Incom

eTypeCode="20" IncomeAmount="7250.00"/><ListEmployment BorrowerUnparsedName="Patrick P Purchaser" _SSN="999121234" Em

ployerName="Ammanom" EmploymentCurrentIndicator="Y" EmploymentPrimaryIndicator="

Y" SelfEmployedIndicator="N" MonthsOnThisJobNumber="251"/><ListEmployment BorrowerUnparsedName="Lorraine L Purchaser" _SSN="999565678" EmployerName="Baddabap" EmploymentCurrentIndicator="Y" EmploymentPrimaryIndicator="Y" SelfEmployedIndicator="N" MonthsOnThisJobNumber="209"/></IncomeAssetEmploymentList><CreditReportSummary NumberOfBorrowersWithCredit="2" MostRecentCreditReportDate="20150501"><CreditReport AgencyReferenceNumber="5004509" JointIndividualIndicator="J" Age

ncyIdentifier="200" AgencyName="200-TEST CREDIT AGENCY" _Date="20150501"><CreditReportBorrowerInformation SubjectSpouseCode="1" _SSN="999121234"><CreditRiskScore ScoringModelName="BEACON 5.0" ScoringSource="1" ScoreValu

e="670"/><CreditRiskScore ScoringModelName="FICO(R) Risk Score, Classic 04" Scoring

Source="3" ScoreValue="661"/><CreditRiskScore ScoringModelName="EXPERIAN/FAIR ISAAC II" ScoringSource="2" ScoreValue="675"/>

</CreditReportBorrowerInformation><CreditReportBorrowerInformation SubjectSpouseCode="2" _SSN="999565678"><CreditRiskScore ScoringModelName="BEACON 5.0" ScoringSource="1" ScoreValu

e="678"/><CreditRiskScore ScoringModelName="FICO(R) Risk Score, Classic 04" Scoring

Source="3" ScoreValue="670"/><CreditRiskScore ScoringModelName="EXPERIAN/FAIR ISAAC II" ScoringSource="

2" ScoreValue="663"/></CreditReportBorrowerInformation>

</CreditReport>

<TradelinesSummary Count="14" NumberOfMortgages="3" NumberOpen="11" NumberOpenRevolving="" NumberOpenSixMoreMonthsOld="" NumberOpenedPast6Months="0" NumberOpenedPast7to12Months="0" AverageAge="96" RevolvingBalance="" RevolvingLimit="" RevolvingUtilizationRate="18.400"/><DelinquentTradelinesSummary NumberEver30Plus="1" NumberEver60Plus="0" NumberM

ortgageEver30Plus="0" NumberMortgageEver60Plus="0" NumberCurrentPastDue="0" DelinquencyPercent="7.143"/><DelinquenciesSummary Number30PlusPast12Month="" MostRecent30PlusNonMortgageAg

e="23" NumberTradelineBankruptcies="0" NumberTradelineForeclosures="0"/><MajorDerogatoryCredit MostRecentDate="20140701" MostRecentAge="10">



<MajorDerogatoryCreditDetail Type="1" Count="0"/><MajorDerogatoryCreditDetail Type="2" Count="0"/><MajorDerogatoryCreditDetail Type="3" MostRecentSatisfiedDate="20140701" Mos

tRecentFiledDate="20140701" MostRecentAge="10" Count="2"/><MajorDerogatoryCreditDetail Type="4" Count="0"/><MajorDerogatoryCreditDetail Type="6" Count="0"/><MajorDerogatoryCreditDetail Type="5" Count="0"/>

</MajorDerogatoryCredit></CreditReportSummary><EndNote Text="Copyright(c) 1994-2015 Fannie Mae"/></CodifiedFindings>

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-------------------------------------------------------------------------------- *** TEST CREDIT REPORT ***

DATE ORDERED: 05-01-2015 ACCOUNT #: 99999FNMA ORDER #: 50048REPORT PRICE: $0.00 REQUESTED BY:PREPARED FOR: FANNIE MAE TESTING BUREAU SIMULATION

BORROWER: PURCHASER, PATRICK SSN: 999121234PRESENT ADRESS: 1234 MAIN STREET BALTIMORE, MD 20600

SPOUSE: PURCHASER, LORRAINE SSN: 999565678

--------------------------------------------------------------------------------

AMT PYMT DATE HIGH DATE CUR TERM/ PAST HIST CURRENTECOA OPEN BAL RPTD BAL PYMT DUE 30-60-90 STATUS--------------------------------------------------------------------------------

1) CALIBER BANK 2233445 - Installment J 07/01 7500 09/06 0 60/0.00 0,0,0 C-AsAgreed

2) LIABILITY BANK 752479 - Installment J 09/08 8129 11/12 0 48/0.00 0,0,0 C-AsAgreed

3) BACK BREAKING LOANS 347853 - Installment I 06/08 39697 04/15 0 120/0.00 0,0,0 C-AsAgreed

4) CREDIT LOSER CARD 66 - Revolving I 04/97 12500 04/15 0 /0.00 0,0,0 C-AsAgreed

5) APPALLING CHARGE 7 - Revolving J 01/06 1300 04/15 0 /0.00 0,0,0 C-AsAgreed

6) MERRY CREDIT 13584 - Revolving J 07/10 2747 04/15 2663 /79.00 0,0,0 C-AsAgreed

7) POLITE CREDIT 4567890 - Revolving J 05/07 5900 04/15 253 /10.00 0,0,0 C-AsAgreed

8) NO NONSENSE CREDIT 4569817 - Revolving



J 05/08 3560 04/15 2530 /75.00 0,0,0 C-AsAgreed

9) SANE CREDIT 721987 - Revolving J 02/09 150 04/15 81 /25.00 0,0,0 C-AsAgreed

10) TROUBLING CARDS 234 - Revolving I 01/13 13750 04/15 2000 /100.00 0,0,0 C-AsAgreed

11) ACE MORTGAGE 478453 - Mortgage I 06/08 106701 04/15 98514.03 360/746.07 0,0,0 C-AsAgreed

12) BEST MORTGAGE 316157 - Mortgage I 01/14 23000 04/15 22754.08 180/233.29 0,0,0 C-AsAgreed

13) ENLIGHTENED BANK 5566778 - Mortgage I 01/09 9700 04/15 3000 120/245.00 0,0,0 C-AsAgreed

14) TALBOTS 24543 - Revolving J 10/00 1000 04/15 0 /0.00 2,0,0 C-AsAgreed

******************************** PUBLIC RECORDS ********************************

1) TYPE: Judgment STATUS: Pending AMOUNT: 400

FILED: 2014-07-01 SATISFIED: 2014-07-01

2) TYPE: Judgment STATUS: Pending AMOUNT: 75FILED: 2013-07-01 SATISFIED: 2013-07-01

********************************************************************************

*********************** INQUIRIES FOR THE PAST 12 MONTHS ***********************

1) FARMERS TRUST 2015-03-012) MOBIL OIL 2015-04-013) SEARS 2014-11-10

4) DELL COMPUTERS 2015-04-015) NLE FINANCIAL 2015-03-016) SMG FINANCIAL 2015-02-157) PROVIDENT BANK 2015-02-018) BELL ATLANTIC MOBILE 2015-01-019) J I KISLAK BANK 2014-12-05

********************************************************************************

***************************** CREDIT BUREAU SCORES *****************************

EquifaxBeacon5.0 PURCHASER, PATRICK Equifax 670

EquifaxBeacon5.0 PURCHASER, LORRAINE Equifax 678FICORiskScoreClassic04 PURCHASER, PATRICK TransUnion 661FICORiskScoreClassic04 PURCHASER, LORRAINE TransUnion 670ExperianFairIsaac PURCHASER, PATRICK Experian 675ExperianFairIsaac PURCHASER, LORRAINE Experian 663********************************************************************************

****************************** ERRORS AND WARNINGS *****************************



********************************************************************************

********************************************************************************

NOTE: This credit report is provided for training purposes only in conjunction with Desktop Originator and Desktop Underwriter.

It is not a residential mortgage credit but is a replication of a 3-in-file merged report. It may not meet the standards set forth by Fannie Mae, FHA, or VA for real estate transactions and it may not represent the minimum requirements for an "in-file" credit report.

The borrowers used for DU Testing and Training purposes are fictitious and do not relate to real people. The names, addresses and social security numbers were created at random, and any

similarity with real individuals is unintentional.

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<FINDINGS><!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN"><html> <head> <title>Desktop Underwriter Findings, Patrick P Purchaser</title> <meta http-equiv="Content-Language" content="en-us"> <meta http-equiv="Content-Type" content="text/html; charset=windows-1252"> </head> <body>

<table border="0" width="100%" cellspacing="0" cellpadding="0"> <tr>

<td width="100%" align="left" bgcolor="#003466"> DU Underwriting Findings

</td> </tr> </table> <div align="center"> <center> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="100%" align="left" valign="top" bgcolor="#D1DEE9">SUMMARY

</td> </tr> </table> <table width="95%" border="0" frame="hsides" rules="rows" cellspacing="0" cellpadding="0"> <tr> <td width="23%" align="left" valign="top">Recommendation</td><td width="27%" valign="top">Approve/Ineligible</td>



<td width="23%" align="left" valign="top"> </td><td width="27%" valign="top"> </td> </tr> <tr> <td width="23%" align="left" valign="top">Primary Borrower</td><td width="27%" valign="top">Patrick P Purchaser</td><td width="23%" align="left" valign="top">Co-Borrower</td><td width="27%" valign="top"><fontface="Times New Roman" size="3" color="#000000">Lorraine L Purchaser</td> </tr> <tr> <td width="23%" align="left" valign="top">Lender Loan Number</td><td width="27%" align="left" valign="top">DI-C04</td><td width="23%" align="left" valign="top">Casefile ID</td><td width="27%" align="left" valign="top">1240540478</td> </tr> <tr>

<td width="23%" align="left" valign="top">Submission Date</td><td width="27%" align="left" valign="top">05/07/2015 07:34PM</td><td width="23%" align="left" valign="top">Submitted By</td><td width="27%" align="left" valign="top">l58b3ens</td> </tr> <tr> <td width="23%" align="left" valign="top">First Submission Date</td><td width="27%" align="left" valign="top">05/07/2015 07:34PM</td><td width="23%" align="left" valign="top">DU Version</td><td width="27%" align="left" valign="top">9.2</td> </tr> <tr> <td width="23%" align="left" valign="top">Submission Number</td><td width="27%" align="left" valign="top">1</td><td width="23%" align="left" valign="top"></td>

<td width="27%" align="left" valign="top"></td> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td align="left" valign="top" bgcolor="#CCCCCC">Mortgage Information</td>



</tr> </table> <table border="0" width="95%" frame="hsides" rules="rows" cellspacing="0" cellpadding="0"> <tr> <td width="27%" align="left">LTV/CLTV/HCLTV</td><td width="20%" align="right">18.00% / 25.00% / 28.00%</td><td width="3%"></td><td width="23%" align="left">Note Rate</td><td width="27%" align="left">4.500%</td> </tr> <tr> <td width="27%" align="left">Housing Expense Ratio</td><td width="20%" align="right"> 7.14%</td><td width="3%"></td><td width="23%" align="left">Loan Type</td><td width="27%" align="left">Conventional</td> </tr> <tr> <td width="27%" align="left">Debt-to-Income Ratio</td><td width="20%" align="right"> 7.14%</td><td width="3%"></td><td width="23%" align="left">Loan Term</td><td width="27%" align="left">360</td> </tr>

<tr> <td width="27%" align="left" valign="top">Total Loan Amount</td><td width="20%" align="right" valign="top">$104000.00</td><td width="3%"></td><td width="23%" align="left">Amortization Type</td><td width="27%" align="left">Fixed Rate</td> </tr> <tr> <td width="27%" align="left">Sales Price</td><td width="20%" align="right">$0.00</td><td width="3%"></td><td width="23%" align="left">Loan Purpose</td><td width="27%" align="left">Refinance</td> </tr> <tr>



<td width="27%" align="left">Actual/Estimated Appraised Value</td><td width="20%" align="right">$600000.00</td><td width="3%"></td><td width="23%" align="left">Refi Purpose</td><td width="27%" align="left">Limited Cash-Out</td> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td colspan="4" align="left" valign="top" bgcolor="#CCCCCC"><fontface="Arial, Helvetica" size="3" color="#000000">Property Information</td> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="23%" align="left" valign="top">Property Address</td><td width="24%" align="left" valign="top">

1234 Main</td><td width="3%" align="right" valign="top"></td><td width="23%">Number of Units</td><td width="27%">1</td> </tr> <tr> <td width="23%"></td><td width="24%" align="left" valign="top">Baltimore, MD 20600-1234</td><td width="3%" align="right" valign="top"></td><td width="23%" align="left" valign="top">Occupancy Status</td>

<td width="27%" align="left" valign="top">Primary Residence</td> </tr> <tr> <td width="23%" align="left" valign="top">Property Type</td><td width="24%" align="left" valign="top">Attached</td><td width="3%" align="right" valign="top"></td><td width="23%" align="left" valign="top"></td><td width="27%" align="left" valign="top"></td> </tr>

</table> </center> </div> <div align="center"> <center> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="100%" align="left" valign="top" bgcolor="#D1DEE9">RISK/ELIGIBILITY</td> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="5%" align="left" valign="top"> 1</td><td width="95%" valign="top">This case does not meet Fannie Mae's eligibility requirements.</td> <tr> <td colspan="2"> </td> </tr> </tr> <tr> <td width="5%" align="left" valign="top"> 2</td><td width="95%" valign="top">This case was processed and determined to be ineligible as a limited cash-out refinance in accordance with the input data. However, it has also been determined that it maybe eligible as a cash-out refinance. If this is the desired purpose of refinance, modify the application and resubmit the case for underwriting.</td> <tr> <td colspan="2"> </td> </tr>

</tr> <tr> <td width="5%" align="left" valign="top"> 3</td><td width="95%" valign="top">This case isineligible because the amount of cash taken out of the subject property equity exceeds the limit of 2 percent of the loan amount or $2000 for limited cash-out refinances.</td> <tr> <td colspan="2"> </td> </tr> </tr> <tr>

<td width="5%" align="left" valign="top"> 4</td><td width="95%" valign="top">This loan casefile has been underwritten as a limited cash-out refinance. If the originatinglender has held the first mortgage being paid off with this transaction for less than six months prior to the disbursement date of the new mortgage loan, the lender must review the short-term financing guidelines and determine whether thistransaction is still eligible for delivery to Fannie Mae as a limited cash-out refinance. In addition, the property must not be currently listed for sale. Continuity of obligation, if applicable, must be met. Refer to the Fannie Mae Selling Guide for additional information.</td> <tr> <td colspan="2"> </td>

</tr> </tr> </table> </center> </div> <div align="center"> <center> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="100%" align="left" valign="top" bgcolor="#D1DEE9">POTENTIAL RED FLAGS</td> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="5%" align="left" valign="top"> 5</td><td width="95%" valign="top">According tothe credit report, the total payments and balances declared on the 1003 differ by more than expected tolerances. Verify that all liabilities belonging to the borrowers are disclosed on the 1003 and that the balances and payments are accurate.</td> <tr> <td colspan="2"> </td> </tr> </tr> </table> </center> </div> <div align="center"> <center> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr>

<td width="100%" align="left" valign="top" bgcolor="#D1DEE9">FINDINGS</td> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="5%" align="left" valign="top"> 6</td><td width="95%" valign="top">The following risk factors represent strengths in the borrower's loan application: <table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr>

<td align="left" valign="top">Combined Loan-to-Value Ratio</td> </tr> <tr> <td align="left" valign="top">Debt-to-Income Ratio</td> </tr> </table> </td> <tr> <td colspan="2"> </td> </tr> </tr>

</table> </center> </div> <div align="center"> <center> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="100%" align="left" valign="top" bgcolor="#D1DEE9">VERIFICATION MESSAGES/APPROVAL CONDITIONS</td>



</tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="5%" align="left" valign="top"> 7</td><td width="95%" valign="top">According tothe Social Security Administration (SSA), the Social Security number (SSN) for Patrick P Purchaser, Lorraine L Purchaser either has not been issued, or was recently issued. The SSN accuracy must be confirmed, and if incorrect, the SSN must be updated and the loan casefile resubmitted to DU. If the SSN is determinedto be correct, it must be validated directly with the SSA (direct validation bya third party is acceptable), and the loan must be delivered with SFC 162. If the SSN cannot be validated with the SSA, the loan is not eligible for delivery to Fannie Mae.</td> <tr> <td colspan="2"> </td> </tr> </tr> <tr> <td width="5%" align="left" valign="top"> 8</td><td width="95%" valign="top">The use of borrowed funds for the down payment was declared on Section VIII of the loan appli

cation, and there is no corresponding asset listed for that borrower. The termsof the loan and the fact that it is secured must be verified. Monthly payments for the loan must be considered as debt for qualifying the borrower.</td> <tr> <td colspan="2"> </td> </tr> </tr> <tr> <td width="5%" align="left" valign="top"> 9</td><td width="95%" valign="top">This loan isalso subject to all other lender specified conditions and must comply with all applicable federal, state, and local laws and regulations.</td>

<tr> <td colspan="2"> </td> </tr> </tr> <tr> <td width="5%" align="left" valign="top"> 10</td><td width="95%" valign="top">Verify the terms of the subordinate financing for compliance with the Fannie Mae Selling Guide.</td> <tr> <td colspan="2"> </td> </tr>

</tr> <tr> <td width="5%" align="left" valign="top"> 11</td><td width="95%" valign="top">Based on thecredit report obtained through Desktop Underwriter, this loan casefile must close on or before 09/01/2015. All credit documents must be no more than four months old on the note date. For guidelines on the age of the appraisal or property inspection report, refer to the Fannie Mae Selling Guide.</td> <tr>



<td colspan="2"> </td> </tr> </tr> <tr> <td width="5%" align="left" valign="top"> 12</td><td width="95%" valign="top">The Adverse Market Delivery Charge will be applied when this mortgage loan is delivered to Fannie Mae, along with any applicable loan-level price adjustments. Refer to the Selling Guide and Loan-level Price Adjustment (LLPA) Matrix and Adverse Market Delivery Charge (AMDC) Information on fanniemae.com for specific details.</td> <tr> <td colspan="2"> </td> </tr> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="5%" align="left" valign="top" bgcolor="#CCCCCC"> </td><td width="95%" align="left" valign="top" bgcolor="#CCCCCC">Credit and Liabilities</td>

</tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="5%" align="left" valign="top"> 13</td><td width="95%" valign="top">If the following judgments and garnishments have not been satisfied, they must be paid in full prior to or at closing and funds sufficient to settle these items must be verified and documented. <div align="center">

<table width="90%" border="1" cellspacing="0" cellpadding="0"> <tr> <td width="33%" align="left">Type</td><td width="33%" align="left">Date Filed</td><td width="33%" align="left">Date Satisfied/Status Date</td>

</tr> <tr> <td width="33%" align="left">Judgment</td>

<td width="33%" align="left">07/01/2013</td><td width="33%" align="left">07/01/2013</td>

</tr> <tr> <td width="33%" align="left">Judgment</td><td width="33%" align="left">07/01/2014</f



ont></td><td width="33%" align="left">07/01/2014</td>

</tr> </table> </div> </td> <tr> <td colspan="2"> </td> </tr> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="5%" align="left" valign="top" bgcolor="#CCCCCC"> </td><td width="95%" align="left" valign="top" bgcolor="#CCCCCC">Employment and Income</td> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr>

<td width="5%" align="left" valign="top"> 14</td><td width="95%" valign="top">Lorraine L Purchaser's income must be supported by a paystub and a W-2 from the prior year, or by a standard Verification of Employment (1005). The paystub must be dated noearlier than 30 days prior to the initial loan application date and it must include all year-to-date earnings. Additionally, the paystub must include sufficient information to appropriately calculate income; otherwise, additional documentation must be obtained. If a standard Verification of Employment (1005) will be obtained it must include all year-to-date earnings, as well as prior year earnings if a W-2 is not being provided. If a W-2 is not available from the prior year, the lender must determine if the income would still be acceptable per the Selling Guide. Direct verifications provided by a third party employment verification

vendor are acceptable if completed in accordance with the Selling Guide.</td> <tr> <td colspan="2"> </td> </tr> </tr> <tr> <td width="5%" align="left" valign="top"> 15</td><td width="95%" valign="top">Patrick P Purchaser's income must be supported by a paystub and a W-2 from the prior year, or by a standard Verification of Employment (1005). The paystub must be dated no earlier than 30 days prior to the initial loan application date and it must inclu

de all year-to-date earnings. Additionally, the paystub must include sufficientinformation to appropriately calculate income; otherwise, additional documentation must be obtained. If a standard Verification of Employment (1005) will be obtained it must include all year-to-date earnings, as well as prior year earningsif a W-2 is not being provided. If a W-2 is not available from the prior year,the lender must determine if the income would still be acceptable per the Selling Guide. Direct verifications provided by a third party employment verificationvendor are acceptable if completed in accordance with the Selling Guide.</td> <tr>



<td colspan="2"> </td> </tr> </tr> <tr> <td width="5%" align="left" valign="top"> 16</td><td width="95%" valign="top">Other incomefor Patrick P Purchaser must be verified in accordance with the Fannie Mae Selling Guide.</td> <tr> <td colspan="2"> </td> </tr> </tr> <tr> <td width="5%" align="left" valign="top"> 17</td><td width="95%" valign="top">The boarder income listed on the application is acceptable if it has been received by a borrower with disabilities from a personal assistant. This income must be supportedby appropriate documentation to demonstrate a history of shared residency and the payment of rental payments for the last 12 months. Refer to the Selling Guide for additional information.</td> <tr> <td colspan="2"> </td>

</tr> </tr> <tr> <td width="5%" align="left" valign="top"> 18</td><td width="95%" valign="top">Perform and document a verbal verification of employment for each borrower within 10 business days prior to the note date for all borrowers not using self-employment incomefor qualifying, and within 30 calendar days prior to the note date for all borrowers using self-employment income for qualifying. For borrowers with military income, a military Leave and Earnings Statement (LES) dated within 31 calendar days prior to the note date is acceptable in lieu of a verbal verification of employment. Lenders also have the option of obtaining the verbal verification of empl

oyment after the note date (and prior to delivery of the loan to Fannie Mae), but when using this option must ensure compliance with the Fannie Mae Selling Guide.</td> <tr> <td colspan="2"> </td> </tr> </tr> <tr> <td width="5%" align="left" valign="top"> 19</td><td width="95%" valign="top">Obtain a completed and signed Form 4506-T for all borrowers at or before closing. Form 4506 or Form 8821 may be used in lieu of Form 4506-T. Refer to the Fannie Mae Selling

Guide for additional alternatives.</td> <tr> <td colspan="2"> </td> </tr> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="5%" align="left" valign="top" bgcolor="#CCCCCC"> </td>



<td width="95%" align="left" valign="top" bgcolor="#CCCCCC">Assets</td> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="5%" align="left" valign="top"> 20</td><td width="95%" valign="top">All net equity funds should be verified with a photocopy of the final settlement statement.If the net equity is negative, the amount will be subtracted from the borrower's available funds.</td> <tr> <td colspan="2"> </td> </tr> </tr> <tr> <td width="5%" align="left" valign="top"> 21</td><td width="95%" valign="top">Funds in theamount of $0.00 are required for closing. Available funds are insufficient by $5000.00. Assets sufficient to close the loan must be from eligible sources, and must be qualified and verified.</td> <tr>

<td colspan="2"> </td> </tr> </tr> <tr> <td width="5%" align="left" valign="top"> 22</td><td width="95%" valign="top">Based on theReal Estate Owned section of the loan application, the borrower currently has aproperty that is pending sale. If the property will not be sold prior to closing, the lender must verify that the borrower meets the reserve requirements for pending sale properties as specified in the Selling Guide.</td> <tr> <td colspan="2"> </td>

</tr> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="5%" align="left" valign="top" bgcolor="#CCCCCC"> </td><td width="95%" align="left" valign="top" bgcolor="#CCCCCC">Property and Appraisal Information</td> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0">

<tr> <td width="5%" align="left" valign="top"> 23</td><td width="95%" valign="top">Desktop Underwriter could not verify the submitted subject property address for this transaction. An appraisal based on an interior and exterior property inspection reported on Form 1004 is required for one-unit properties; Form 1004C is required for manufactured homes; Form 1073 is required for units in condominium projects; Form 2090 is required for units in cooperative projects. Alternatively, you can modify the subject address and resubmit to verify if the system can offer a more st



reamlined property fieldwork recommendation.</td> <tr> <td colspan="2"> </td> </tr> </tr> <tr> <td width="5%" align="left" valign="top"> 24</td><td width="95%" valign="top">Form 1004MC must be completed for any transaction on which an appraisal is obtained. Refer to the Fannie Mae Selling Guide for additional information.</td> <tr> <td colspan="2"> </td> </tr> </tr> <tr> <td width="5%" align="left" valign="top"> 25</td><td width="95%" valign="top">Based on theActual vs. Estimated Appraised Value Indicator on the online loan application, the loan casefile was underwritten using an estimated value. When an appraisal for the transaction is obtained (if applicable), the appraised value on the online loan application must be updated with the value from the appraisal, and the loan casefile resubmitted to DU.</td>

<tr> <td colspan="2"> </td> </tr> </tr> </table> </center> </div> <div align="center"> <center> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="100%" align="left" valign="top" bgcolor="#D1DEE9">OBSERVATIONS</td> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="5%" align="left" valign="top"> 26</td><td width="95%" valign="top">This case was submitted to Desktop Underwriter version 9.2 by DU ONLY - ETHOS LENDING LLC. The following information is associated with this loan: Casefile ID is 1240540478 and Submission number is 1. If the loan is delivered to Fannie Mae, the Casefile ID must be provided at delivery.</td> <tr>

<td colspan="2"> </td> </tr> </tr> <tr> <td width="5%" align="left" valign="top"> 27</td><td width="95%" valign="top">The following list of special feature codes is provided to assist you in determining which codes may be associated with this loan. Other codes may be required. Refer to theFannie Mae Selling Guide for a comprehensive list.



 <div align="center"> <table width="90%" border="1" cellspacing="0" cellpadding="0"> <tr> <td width="50%" align="left">Special Feature Code</td><td width="50%" align="left">Description</td>

</tr> <tr> <td width="50%" align="left">127</td><td width="50%" align="left">DU Loan</td>

</tr> <tr> <td width="50%" align="left">007</td><td width="50%" align="left">Limited Cash-out Refinance</td>

</tr> </table> </div> </td> <tr> <td colspan="2"> </td> </tr> </tr> <tr> <td width="5%" align="left" valign="top"> 28</td><td width="95%" valign="top">The following Credit Report information is associated with this submission:

 <div align="center"> <table width="90%" border="1" cellspacing="0" cellpadding="0"> <tr> <td width="25%" align="left">Borrower Name</td><td width="25%" align="left">Credit Agency</td><td width="25%" align="left">Credit Report ID</td><td width="25%" align="left"> Credit Report Date</td>

</tr> <tr> <td width="25%" align="left">Lorraine L Purchaser</td><td width="25%" align="left">200-TEST CREDIT AGENCY</td><td width="25%" align="right">5004509</td><td width="25%" align="left">05/01/2015</f



ont></td>

</tr> <tr> <td width="25%" align="left">Patrick P Purchaser</td><td width="25%" align="left">200-TEST CREDIT AGENCY</td><td width="25%" align="right">5004509</td><td width="25%" align="left">05/01/2015</td>

</tr> </table> </div> </td> <tr> <td colspan="2"> </td> </tr> </tr> <tr> <td width="5%" align="left" valign="top"> 29</td>

<td width="95%" valign="top">The following credit scores were obtained by the credit agency selected by the user and are included in the credit report: <div align="center"> <table width="90%" border="1" cellspacing="0" cellpadding="0"> <tr> <td width="50%" align="left">Borrower</td><td width="50%" align="left">Credit Scores</td>

</tr> <tr> <td width="50%" align="left">Patrick P Purchaser</td><td width="50%" align="left">661 670 675</td>

</tr> <tr> <td width="50%" align="left">Lorraine L Purchaser</td><td width="50%" align="left">663 670 678</td>

</tr> </table> </div> </td> <tr> <td colspan="2"> </td> </tr> </tr> <tr>



<td width="5%" align="left" valign="top"> 30</td><td width="95%" valign="top">The following sources of income were used in the underwriting analysis: <div align="center"> <table width="90%" border="1" cellspacing="0" cellpadding="0"> <tr> <td width="33%" align="left">Borrower</td><td width="33%" align="left">Income Type</td><td width="33%" align="left">Amount</td>

</tr> <tr> <td width="33%" align="left">Lorraine L Purchaser</td><td width="33%" align="left">Base employment income</td><td width="33%" align="right">7250.00</td>

</tr> <tr> <td width="33%" align="left">Patrick P Purchaser</td><td width="33%" align="left">Boarder income</td><td width="33%" align="right">650.00</td>

</tr> <tr> <td width="33%" align="left">Patrick P Purchaser</td><td width="33%" align="left">Other income</td><td width="33%" align="right">1500.00</td>

</tr> <tr> <td width="33%" align="left">Patrick P Purchaser</td><td width="33%" align="left">Base employment income</td><td width="33%" align="right">6666.67</fon

t></td>

</tr> </table> </div> </td> <tr> <td colspan="2"> </td> </tr> </tr>



<tr> <td width="5%" align="left" valign="top"> 31</td><td width="95%" valign="top">The following assets were counted towards available funds. With the exception of cash on hand, all available funds greater than the amount required to close have been added to cash reserves. <div align="center"> <table width="90%" border="1" cellspacing="0" cellpadding="0"> <tr> <td width="25%" align="left">Borrower</td><td width="25%" align="left">Asset Type</td><td width="25%" align="left">Institution Name</td><td width="25%" align="left">Amount</td>

</tr> <tr> <td width="25%" align="left">Patrick P Purchaser</td><td width="25%" align="left">Real estate</td><td width="25%" align="left">Real Estate Owned</td><td width="25%" align="right">-5000.00</td>

</tr> </table> </div> </td> <tr>

<td colspan="2"> </td> </tr> </tr> </table> </center> </div> </body> </html></FINDINGS><UNDERWRITING ANALYSIS><html> <head> <meta http-equiv="Content-Language" content="en-us">

<meta http-equiv="Content-Type" content="text/html; charset=windows-1252"><title>Desktop Underwriter Analysis, Patrick P Purchaser</title> </head> <body> <table border="0" width="100%" cellspacing="0" cellpadding="0"> <tr bgcolor="#FFFFFF">



<td width="100%" align="left" bgcolor="#003466"> Underwriting Analysis Report</td> </tr> </table> <center> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="23%" align="left" valign="top">Recommendation</td><td width="27%" valign="top">Approve/Ineligible</td><td width="23%" align="left" valign="top"> </td><td width="27%" valign="top"> </td> </tr> <tr> <td width="23%" align="left" valign="top">Primary Borrower</td><td width="27%" valign="top">Patrick P Purchaser</td><td width="23%" align="left" valign="top">Co-Borrower</td><td width="27%" valign="top">Lorraine L Purchaser</td> </tr>

<tr> <td width="23%" align="left" valign="top">Lender Loan Number</td><td width="27%" align="left" valign="top">DI-C04</td><td width="23%" align="left" valign="top">Casefile ID</td><td width="27%" align="left" valign="top">1240540478</td> </tr> <tr> <td width="23%" align="left" valign="top">Submission Date</td>

<td width="27%" align="left" valign="top">05/07/2015 07:34PM</td><td width="23%" align="left" valign="top">Submitted By</td><td width="27%" align="left" valign="top">l58b3ens</td> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="100%" align="left" valign="top" bgcolor="#D1DEE9">PROPERTY INFORMATION</td> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="23%" align="left" valign="top">Property Address</td><td width="24%" align="left" valign="top">1234 Main</td><td width="3%" align="right" valign="top"></td>



<td width="23%">Number of Units</td><td width="27%">1</td> </tr> <tr> <td width="23%"></td><td width="24%" align="left" valign="top">Baltimore, MD 20600-1234</td><td width="3%" align="right" valign="top"></td><td width="23%" align="left" valign="top">Occupancy Status</td><td width="27%" align="left" valign="top">Primary Residence</td> </tr> <tr> <td width="23%" align="left" valign="top">Property Type</td><td width="24%" align="left" valign="top">Attached</td><td width="3%" align="right" valign="top"></td><td width="23%" align="left" valign="top"></td><td width="27%" align="left" valign="top"></td> </tr>

</table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="100%" align="left" valign="top" bgcolor="#D1DEE9">MORTGAGE INFORMATION</td> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="23%" align="left" valign="top">Loan Type</td>

<td width="27%" align="left" valign="top">Conventional</td><td width="30%" align="left" valign="top">LTV/CLTV/HCLTV</td><td width="20%" align="right" valign="top">18.00% / 25.00% / 28.00%</td><td width="5%"></td> </tr> <tr> <td width="23%" align="left" valign="top">Amortization Type</td><td width="27%" align="left" valign="top">Fixed Rate</td><td width="30%" align="left" valign="top">Loan Amount</td><td width="20%" align="right" valign="top">$104000.00</td> </tr> <tr> <td width="23%" align="left" valign="top">Balloon</td><td width="27%" align="left" valign="top">No</td><td width="30%" align="left" valign="top">Financed MI Amount</td><td width="20%" align="right" valign="top">$0.00</td>



</tr> <tr> <td width="23%" align="left" valign="top">Community Lending</td><td width="27%" align="left" valign="top">No</td><td width="30%" align="left" valign="top">Total Loan Amount</td><td width="20%" align="right" valign="top">$104000.00</td> </tr> <tr> <td width="23%" align="left" valign="top">Payment Frequency</td><td width="27%" align="left" valign="top">Monthly</td><td width="30%" align="left" valign="top">Sales Price</td><td width="20%" align="right" valign="top">$0.00</td> </tr> <tr> <td width="23%" align="left" valign="top">Lien Type</td><td width="27%" align="left" valign="top">First Mortgage</td><td width="30%" align="left" valign="top">Actual/Estimated Appraised Value</td><td width="20%" align="right" valign="top">$600000.00</td> </tr> <tr> <td width="23%" align="left" valign="top">Amt. Subordinate Fin.</td><td width="27%" align="left" valign="top">$42142.00</td><td width="30%" align="left" valign="top">P&I</td><td width="20%" align="right" valign="top">$526.95</td> </tr> <tr> <td width="23%" align="left" valign="top">Loan Purpose</td><td width="27%" align="left" valign="top">Refinance</td><td width="30%" align="left" valign="top">Note Rate</td><td width="20%" align="right" valign="top">4.500%</td> </tr> <tr> <td width="23%" align="left" valign="top">Refi Purpose</td><td width="27%" align="left" valign="top">Limited Cash-Out</td><td width="30%" align="left" valign="top">Qualifying Rate</td><td width="20%" align="right" valign="top">4.500%</td> </tr> <tr> <td width="23%" align="left" valign="top">Owner Existing Mtg.</td>



<td width="27%" align="left" valign="top">Freddie Mac</td><td width="30%" align="left" valign="top">Bought Down Rate</td><td width="20%" align="right" valign="top">0.00%</td> </tr> <tr> <td width="23%" align="left" valign="top">Buydown</td><td width="27%" align="left" valign="top">No</td><td width="30%" align="left" valign="top">Term (Months)</td><td width="20%" align="right" valign="top">360</td> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="50%" align="left" valign="top" bgcolor="#D1DEE9">INCOME</td><td width="50%" align="left" valign="top" bgcolor="#D1DEE9">QUALIFYING RATIOS</td> </tr>

</table> <table width="95%" border="0" cellpadding="0"> <tr> <td width="23%" align="left" valign="top">Base</td><td width="24%" align="right" valign="top">$13916.67</td><td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top">Housing Expense</td><td width="20%" align="right" valign="top"> 7.14%</td> </tr>

<tr> <td width="23%" align="left" valign="top">Commission</td><td width="24%" align="right" valign="top">$0.00</td><td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top">Debt-to-Income</td><td width="20%" align="right" valign="top"> 7.14%</td> </tr> <tr> <td width="23%" align="left" valign="top">Bonus</td><td width="24%" align="right" valign="top">$0.00</td><td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top"></td><td width="20%" align="right" valign="top"></td> </tr> <tr> <td width="23%" align="left" valign="top">Overtime</td><td width="24%" align="right" valign="top">$0.00</td><td width="3%" align="right" valign="top"></td><td width="50%" align="left" colspan="2" valign="top" bgcolor="#D1DEE9">EXPENSE RATIOS</td> </tr> <tr> <td width="23%" align="left" valign="top">Other</td><td width="24%" align="right" valign="top">$2150.00</td><td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top">Including < 10 Mos.</td><td width="20%" align="right" valign="top"> 7.14%</td><td width="5%"></td> </tr> <tr> <td width="23%" align="left" valign="top">Positive Net Rental</td><td width="24%" align="right" valign="top">$0.00</td>

<td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top">With Undisclosed Debt</td><td width="20%" align="right" valign="top">16.40%</td> </tr> <tr> <td width="23%" align="left" valign="top">Subj. Pos. Cash Flow</td><td width="24%" align="right" valign="top">$0.00</td><td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top"></f

ont></td><td width="20%" align="right" valign="top"></td> </tr> <tr> <td width="23%" align="left" valign="top">Total</td><td width="24%" align="right" valign="top">$16066.67</td><td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top"></td><td width="20%" align="right" valign="top"></td> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="95%" align="left" valign="top" bgcolor="#D1DEE9">PROPOSED MONTHLY PAYMENT</td> </tr>



</table> <table border="0" width="95%" cellpadding="0"> <tr> <td width="26%" align="left" valign="top">First P&I (Qualifying)</td><td width="21%" align="right" valign="top">$526.95</td><td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top">Negative Net Rental</td><td width="20%" align="right" valign="top">$0.00</td> </tr> <tr> <td width="26%" align="left" valign="top">Second P&I</td><td width="21%" align="right" valign="top">$245.00</td><td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top">Subj. Neg. Cash Flow</td><td width="20%" align="right" valign="top">$0.00</td> </tr> <tr>

<td width="26%" align="left" valign="top">Hazard Insurance</td><td width="21%" align="right" valign="top">$125.00</td><td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top">All Other Payments</td><td width="20%" align="right" valign="top">$0.00</td> </tr> <tr> <td width="26%" align="left" valign="top">Taxes</td>

<td width="21%" align="right" valign="top">$250.00</td><td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top">Total Expense Payment</td><td width="20%" align="right" valign="top">$1146.95</td> </tr> <tr> <td width="26%" align="left" valign="top">Mortgage Insurance</td><td width="21%" align="right" valign="top">$0.00</td>

<td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top"></td><td width="20%" align="right" valign="top"></td> </tr> <tr> <td width="26%" align="left" valign="top">HOA Fees</td><td width="21%" align="right" valign="top">$0.00</td><td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top">Present/Principal Housing Payment</td><td width="20%" align="right" valign="top">$1366.07</td> </tr> <tr> <td width="26%" align="left" valign="top">Other</td><td width="21%" align="right" valign="top">$0.00</td><td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top"></td><td width="20%" align="right" valign="top"></td> </tr> <tr> <td width="26%" align="left" valign="top">Total Housing Payment</td><td width="21%" align="right" valign="top">$1146.95</td><td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top"></td>

<td width="20%" align="right" valign="top"></td> </tr> </table> <table border="0" width="95%" cellspacing="0" cellpadding="0"> <tr> <td width="95%" align="left" valign="top" bgcolor="#D1DEE9">FUNDS</td> </tr> </table> <table border="0" width="95%" cellpadding="0"> <tr>

<td width="23%" align="left" valign="top">Total Available Assets</td><td width="24%" align="right" valign="top">$0.00</td><td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top">Cash Back</td><td width="20%" align="right" valign="top">$43913.97</td> </tr> <tr> <td width="23%" align="left" valign="top">Funds Required to Close</td>

<td width="24%" align="right" valign="top">$0.00</td><td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top">Net Cash Back</td><td width="20%" align="right" valign="top">$38913.97</td> </tr> <tr> <td width="23%" align="left" valign="top">Reserves Required to be Verified</td><td width="24%" align="right" valign="top">$0.00</td><td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top">Excess Available Assets, not required to be verified by DU</td><td width="20%" align="right" valign="top">$0.00</td> </tr> <tr> <td width="23%" align="left" valign="top">Total Funds to be Verified</td><td width="24%" align="right" valign="top">$0.00</td><td width="3%" align="right" valign="top"></td><td width="30%" align="left" valign="top"></td><td width="20%" align="right" valign="top"></td> </tr> </table> </center> 

<table border="0" width="100%" cellspacing="0" cellpadding="0"> <tr> <td width="100%" bgcolor="#FFFFFF" align="left" valign="top">The recommendation for this case is: Approve/Ineligible</td> </tr> </table> <table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="100%" bgcolor="#FFFFFF" align="left" valign="top">Copyright (c) 1994-2015 Fannie Mae</td> </tr>

</table> </body></html></UNDERWRITING ANALYSIS>

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</_LATE_COUNT><_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03"></_PAYMENT_PATTERN><CREDIT_COMMENT _Code="FA" _SourceType="Equifax"></CREDIT_COMMENT><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_LIABILITY><CREDIT_LIABILITY BorrowerID="BORRBorrower BORRCoBorrower" CreditLoanType="CreditCard" _AccountIdentifier="13584" _AccountOpenedDate="2010-07" _AccountOwnershipType="JointParticipating" _AccountReportedDate="2015-04" _AccountStatusDate="2015-04" _AccountStatusType="Open" _AccountType="Revolving" _HighBalanceAmount="2747" _MonthlyPaymentAmount="79.00" _PastDueAmount="0" _TermsSourceType="Provided"

_UnpaidBalanceAmount="2663"><_CREDITOR _Name="MERRY CREDIT"></_CREDITOR><_CURRENT_RATING _Code="C" _Type="AsAgreed"></_CURRENT_RATING>

<_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="FirstYear"></PERIODIC_LATE_COUNT><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="SecondYear"></PERIODIC_LATE_COUNT><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="ThirdYear"></PERIODIC_LATE_COUNT></_LATE_COUNT><_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03"></_PAYMENT_PATTERN><CREDIT_COMMENT _Code="FE" _SourceType="Equifax"></CREDIT_COMMENT>



<CREDIT_COMMENT _Code="POA" _SourceType="TransUnion"></CREDIT_COMMENT><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_LIABILITY><CREDIT_LIABILITY BorrowerID="BORRBorrower BORRCoBorrower" CreditLoanType="CreditCard" _AccountIdentifier="4567890" _AccountOpenedDate="2007-05" _AccountOwnershipType="JointParticipating" _AccountReportedDate="2015-04" _AccountStatusDate="2015-04" _AccountStatusType="Open" _AccountType="Revolving" _HighBalanceAmount="5900" _MonthlyPaymentAmount="10.00" _PastDueAmount="0" _TermsSourceType="Provided" _UnpaidBalanceAmount="253"><_CREDITOR _Name="POLITE CREDIT"></_CREDITOR><_CURRENT_RATING _Code="C" _Type="AsAgreed"></_CURRENT_RATING><_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="FirstYear"></PERIODIC_LATE_COUNT><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="SecondYear"></PERIODIC_LATE_COUNT><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="ThirdYear"></PERIODIC_LATE_COUNT></_LATE_COUNT><_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03"></_PAYMENT_PATTERN><CREDIT_COMMENT _Code="FE" _SourceType="Equifax"></CREDIT_COMMENT><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_LIABILITY><CREDIT_LIABILITY BorrowerID="BORRBorrower BORRCoBorrower" CreditLoanType="CreditCard" _AccountIdentifier="4569817" _AccountOpenedDate="2008-05" _AccountOwnersh

ipType="JointParticipating" _AccountReportedDate="2015-04" _AccountStatusDate="2015-04" _AccountStatusType="Open" _AccountType="Revolving" _HighBalanceAmount="3560" _MonthlyPaymentAmount="75.00" _PastDueAmount="0" _TermsSourceType="Provided" _UnpaidBalanceAmount="2530"><_CREDITOR _Name="NO NONSENSE CREDIT"></_CREDITOR><_CURRENT_RATING _Code="C" _Type="AsAgreed"></_CURRENT_RATING><_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="FirstYear"></PERIODIC_LATE_COUNT><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="SecondYear"></PERIODIC_LATE_COUNT><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="ThirdYear"></PERIODIC_LATE_COUNT></_LATE_COUNT><_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03"></_PAYME

NT_PATTERN><CREDIT_COMMENT _Code="FE" _SourceType="Equifax"></CREDIT_COMMENT><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_LIABILITY><CREDIT_LIABILITY BorrowerID="BORRBorrower BORRCoBorrower" CreditLoanType="CreditCard" _AccountIdentifier="721987" _AccountOpenedDate="2009-02" _AccountOwnershipType="JointParticipating" _AccountReportedDate="2015-04" _AccountStatusDate="2015-04" _AccountStatusType="Open" _AccountType="Revolving" _HighBalanceAmount="150" _MonthlyPaymentAmount="25.00" _PastDueAmount="0" _TermsSourceType="Provided"

_UnpaidBalanceAmount="81"><_CREDITOR _Name="SANE CREDIT"></_CREDITOR><_CURRENT_RATING _Code="C" _Type="AsAgreed"></_CURRENT_RATING><_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="FirstYear"></PERIODIC_LATE_COUNT>

<PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="SecondYear"></PERIODIC_LATE_COUNT><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="ThirdYear"></PERIODIC_LATE_COUNT></_LATE_COUNT><_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03"></_PAYMENT_PATTERN><CREDIT_COMMENT _Code="FE" _SourceType="Equifax"></CREDIT_COMMENT><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_LIABILITY>



<CREDIT_LIABILITY BorrowerID="BORRBorrower" CreditLoanType="CreditCard" _AccountIdentifier="234" _AccountOpenedDate="2013-01" _AccountOwnershipType="Individual" _AccountReportedDate="2015-04" _AccountStatusDate="2015-04" _AccountStatusType="Open" _AccountType="Revolving" _HighBalanceAmount="13750" _MonthlyPaymentAmount="100.00" _PastDueAmount="0" _TermsSourceType="Provided" _UnpaidBalanceAmount="2000"><_CREDITOR _Name="TROUBLING CARDS"></_CREDITOR><_CURRENT_RATING _Code="C" _Type="AsAgreed"></_CURRENT_RATING><_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="FirstYear"></PERIODIC_LATE_COUNT><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="SecondYear"></PERIODIC_LATE_COUNT><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="ThirdYear"></PERIODIC_LATE_COUNT></_LATE_COUNT><_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03"></_PAYMENT_PATTERN><CREDIT_COMMENT _Code="POA" _SourceType="TransUnion"></CREDIT_COMMENT><CREDIT_COMMENT _Code="FE" _SourceType="Equifax"></CREDIT_COMMENT><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_LIABILITY><CREDIT_LIABILITY BorrowerID="BORRBorrower" CreditLoanType="Mortgage" _AccountIdentifier="478453" _AccountOpenedDate="2008-06" _AccountOwnershipType="Individual" _AccountReportedDate="2015-04" _AccountStatusDate="2015-04" _AccountStatusType="Open" _AccountType="Mortgage" _HighBalanceAmount="106701" _MonthlyPaymentAmoun

t="746.07" _PastDueAmount="0" _TermsMonthsCount="360" _TermsSourceType="Provided" _UnpaidBalanceAmount="98514.03"><_CREDITOR _Name="ACE MORTGAGE"></_CREDITOR><_CURRENT_RATING _Code="C" _Type="AsAgreed"></_CURRENT_RATING><_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="FirstYear"></PERIODIC_LATE_COUNT><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="SecondYear"></PERIODIC_LATE_COUNT><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="ThirdYear"></PERIODIC_LATE_COUNT></_LATE_COUNT><_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03"></_PAYMENT_PATTERN><CREDIT_COMMENT _Code="POA" _SourceType="TransUnion"></CREDIT_COMMENT>

<CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_LIABILITY><CREDIT_LIABILITY BorrowerID="BORRBorrower" CreditLoanType="Mortgage" _AccountIdentifier="316157" _AccountOpenedDate="2014-01" _AccountOwnershipType="Individual" _AccountReportedDate="2015-04" _AccountStatusDate="2015-04" _AccountStatusType="Open" _AccountType="Mortgage" _HighBalanceAmount="23000" _MonthlyPaymentAmount="233.29" _PastDueAmount="0" _TermsMonthsCount="180" _TermsSourceType="Provided" _UnpaidBalanceAmount="22754.08"><_CREDITOR _Name="BEST MORTGAGE"></_CREDITOR><_CURRENT_RATING _Code="C" _Type="AsAgreed"></_CURRENT_RATING><_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="FirstYear"></PERIODIC_LATE_COUNT><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="SecondYear"></PERIODIC_LATE_COUNT>

<PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="ThirdYear"></PERIODIC_LATE_COUNT></_LATE_COUNT><_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03"></_PAYMENT_PATTERN><CREDIT_COMMENT _Code="56" _SourceType="Experian"></CREDIT_COMMENT><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_LIABILITY><CREDIT_LIABILITY BorrowerID="BORRBorrower" CreditLoanType="HomeEquityLineOfCredit" _AccountIdentifier="5566778" _AccountOpenedDate="2009-01" _AccountOwnershipT



ype="Individual" _AccountReportedDate="2015-04" _AccountStatusDate="2015-04" _AccountStatusType="Open" _AccountType="Mortgage" _HighBalanceAmount="9700" _MonthlyPaymentAmount="245.00" _PastDueAmount="0" _TermsMonthsCount="120" _TermsSourceType="Provided" _UnpaidBalanceAmount="3000"><_CREDITOR _Name="ENLIGHTENED BANK"></_CREDITOR><_CURRENT_RATING _Code="C" _Type="AsAgreed"></_CURRENT_RATING><_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="FirstYear"></PERIODIC_LATE_COUNT><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="SecondYear"></PERIODIC_LATE_COUNT><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="ThirdYear"></PERIODIC_LATE_COUNT></_LATE_COUNT><_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03"></_PAYMENT_PATTERN><CREDIT_COMMENT _Code="56" _SourceType="Experian"></CREDIT_COMMENT><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_LIABILITY><CREDIT_LIABILITY BorrowerID="BORRBorrower BORRCoBorrower" CreditLoanType="CreditCard" _AccountIdentifier="24543" _AccountOpenedDate="2000-10" _AccountOwnershipType="JointParticipating" _AccountReportedDate="2015-04" _AccountStatusDate="2015-04" _AccountStatusType="Paid" _AccountType="Revolving" _HighBalanceAmount="1000" _MonthlyPaymentAmount="0.00" _PastDueAmount="0" _TermsSourceType="Provided" _ UnpaidBalanceAmount="0"><_CREDITOR _Name="TALBOTS"></_CREDITOR>

<_CURRENT_RATING _Code="C" _Type="AsAgreed"></_CURRENT_RATING><_HIGHEST_ADVERSE_RATING _Code=" " _Type="AsAgreed" _Date="2013-07"></_HIGHEST_ADVERSE_RATING><_LATE_COUNT _30Days="2" _60Days="0" _90Days="0"><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="FirstYear"></PERIODIC_LATE_COUNT><PERIODIC_LATE_COUNT _30Days="2" _60Days="0" _90Days="0" _Type="SecondYear"></PERIODIC_LATE_COUNT><PERIODIC_LATE_COUNT _30Days="0" _60Days="0" _90Days="0" _Type="ThirdYear"></PERIODIC_LATE_COUNT></_LATE_COUNT><_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCC1CCCCC1" _StartDate="2015-03"></_PAYMENT_PATTERN><CREDIT_COMMENT _Code="FA" _SourceType="Equifax"></CREDIT_COMMENT>

<CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_LIABILITY><CREDIT_PUBLIC_RECORD _AccountOwnershipType="Individual" _BankruptcyAssetsAmount="0" _BankruptcyLiabilitiesAmount="400" _DispositionType="Pending" _FiledDate="2014-07-01" _LegalObligationAmount="400" _SettledDate="2014-07-01" _Type="Judgment"><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_PUBLIC_RECORD><CREDIT_PUBLIC_RECORD _AccountOwnershipType="Individual" _BankruptcyAssetsAmount="0" _BankruptcyLiabilitiesAmount="75" _DispositionType="Pending" _FiledDate="2013-07-01" _LegalObligationAmount="75" _SettledDate="2013-07-01" _Type="Judgment"><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_PUBLIC_RECORD><CREDIT_INQUIRY _Date="2015-03-01" _Name="FARMERS TRUST"><CREDIT_REPOSITORY _Sou

rceType="MergedData"></CREDIT_REPOSITORY></CREDIT_INQUIRY><CREDIT_INQUIRY _Date="2015-04-01" _Name="MOBIL OIL"><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_INQUIRY><CREDIT_INQUIRY _Date="2014-11-10" _Name="SEARS"><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_INQUIRY><CREDIT_INQUIRY _Date="2015-04-01" _Name="DELL COMPUTERS"><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY>



</CREDIT_INQUIRY><CREDIT_INQUIRY _Date="2015-03-01" _Name="NLE FINANCIAL"><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_INQUIRY><CREDIT_INQUIRY _Date="2015-02-15" _Name="SMG FINANCIAL"><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_INQUIRY><CREDIT_INQUIRY _Date="2015-02-01" _Name="PROVIDENT BANK"><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_INQUIRY><CREDIT_INQUIRY _Date="2015-01-01" _Name="BELL ATLANTIC MOBILE"><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_INQUIRY><CREDIT_INQUIRY _Date="2014-12-05" _Name="J I KISLAK BANK"><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY></CREDIT_INQUIRY><CREDIT_SCORE BorrowerID="BORRBorrower" CreditRepositorySourceType="Equifax" _ModelNameType="EquifaxBeacon5.0" _Value="670"></CREDIT_SCORE><CREDIT_SCORE BorrowerID="BORRCoBorrower" CreditRepositorySourceType="Equifax" _ ModelNameType="EquifaxBeacon5.0" _Value="678"></CREDIT_SCORE><CREDIT_SCORE BorrowerID="BORRBorrower" CreditRepositorySourceType="TransUnion"

_ModelNameType="FICORiskScoreClassic04" _Value="661"></CREDIT_SCORE><CREDIT_SCORE BorrowerID="BORRCoBorrower" CreditRepositorySourceType="TransUnion" _ModelNameType="FICORiskScoreClassic04" _Value="670"></CREDIT_SCORE>

<CREDIT_SCORE BorrowerID="BORRBorrower" CreditRepositorySourceType="Experian" _ModelNameType="ExperianFairIsaac" _Value="675"></CREDIT_SCORE><CREDIT_SCORE BorrowerID="BORRCoBorrower" CreditRepositorySourceType="Experian"

_ModelNameType="ExperianFairIsaac" _Value="663"></CREDIT_SCORE></CREDIT_RESPONSE></RESPONSE_DATA></RESPONSE></RESPONSE_GROUP>

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1RCC 1020000420151000 P0.00 0 P0420150320151111111111111111111112111112 0720130 2 0 0 0 0 0 2 0 0 0 0 0 E0123 7R00146 O1 131+00670 1R00146 O1 132+00678 1R00146 O3 141+00661 1R00146 O3 142+00670 1R00146 O2 6 1+00675 1R00146 O2 6 2+00663 1T0018



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